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Bank fee profile comparison

State Bank of India Banking Fees & Charges vs Axis Bank Banking Fees & Charges

Compare State Bank of India Banking Fees & Charges and Axis Bank Banking Fees & Charges using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

Bank fee profile comparison

State Bank of India Banking Fees & Charges vs Axis Bank Banking Fees & Charges

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
State Bank of IndiaState Bank of India Banking Fees & Charges

SBI customers comparing the practical cost of a Savings, Salary or Basic account and wanting to distinguish current charges from announced future changes.

Cost / pricing
SBI has waived Savings Bank average-balance non-maintenance penalties since 11 March 2020, but ATM, IMPS, branch, card and other service charges remain product/channel-specific. Current ordinary Savings off-us ATM pricing from 1 December 2025 is ₹23 + GST for financial and ₹11 + GST for non-financial transactions after the applicable free allowance.
Reviewed
September 10, 2026
Evidence
5 bank sources
Open product research
Axis BankAxis Bank Banking Fees & Charges

Axis customers comparing account tiers and trying to understand which fees disappear with a salary/premium relationship and which remain card/channel-specific.

Cost / pricing
Axis fee economics are strongly product-specific. Current reviewed Easy Access terms use a balance-shortfall formula capped by branch category, while Liberty has its own cash and card tariff; Priority and Burgundy can waive selected debit-card fees only while programme conditions are satisfied.
Reviewed
September 10, 2026
Evidence
5 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
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bankingreference.info · Comparison research sheet

State Bank of India Banking Fees & Charges vs Axis Bank Banking Fees & Charges

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/sbi-banking-fees-charges-vs-axis-banking-fees-charges/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Does this tariff apply to your exact account?Establish tariff scope before treating any listed fee as applicable.

State Bank of India Banking Fees & Charges

Tariff scope
Retail fee index spanning ordinary Savings, Salary Package, BSBD/basic and selected digital/ATM services. Product-specific tariffs override generic bank guidance.
Who the tariff applies to
Applies to SBI customers only after identifying the exact deposit/account programme, debit card and service channel.

Axis Bank Banking Fees & Charges

Tariff scope
Product-scoped retail fee index. Easy Access is a mainstream balance-fee example; Liberty illustrates separate cash/card pricing; Priority/Burgundy demonstrate relationship waivers.
Who the tariff applies to
The exact Axis Savings/Salary/premium account and linked debit card must be identified before a fee is applied.
02What maintenance costs and waivers are recorded?Keep waiver conditions attached to maintenance charges.

State Bank of India Banking Fees & Charges

Account maintenance
Savings Bank average-balance non-maintenance penalty is waived from 11 March 2020 under SBI's current revised-service-charge index; separate account/service fees can still apply.
Waivers
BSBD/basic, KCC, Salary Package and other programme concessions are retained as scoped overrides rather than treated as bankwide fee waivers.

Axis Bank Banking Fees & Charges

Account maintenance
Easy Access: ₹6 per ₹100 of average-balance shortfall, capped at ₹600 metro/urban, ₹300 semi-urban and ₹150 rural under the reviewed current MID.
Waivers
Priority-linked debit-card issuance/annual fee can be nil while Priority criteria are maintained; Burgundy debit-card issuance/AMC are waived for Burgundy segment customers under reviewed material.
03Which effective-date conditions govern the charges?Check date logic and the full current cost wording before using a tariff.

State Bank of India Banking Fees & Charges

Effective-date logic
Current and announced-future charges are stored separately. A future-effective row cannot replace the current tariff before its effective date.
Current fee posture
SBI has waived Savings Bank average-balance non-maintenance penalties since 11 March 2020, but ATM, IMPS, branch, card and other service charges remain product/channel-specific. Current ordinary Savings off-us ATM pricing from 1 December 2025 is ₹23 + GST for financial and ₹11 + GST for non-financial transactions after the applicable free allowance.

Axis Bank Banking Fees & Charges

Effective-date logic
Axis MIDs carry product/version context. The exact current product MID is controlling; older or different-product schedules remain separate rather than being averaged.
Current fee posture
Axis fee economics are strongly product-specific. Current reviewed Easy Access terms use a balance-shortfall formula capped by branch category, while Liberty has its own cash and card tariff; Priority and Burgundy can waive selected debit-card fees only while programme conditions are satisfied.
Other maintained comparisons for State Bank of India Banking Fees & ChargesOther maintained comparisons for Axis Bank Banking Fees & Charges
Exact terms

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The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.

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Banking product terms side by side for State Bank of India Banking Fees & Charges and Axis Bank Banking Fees & Charges
Decision factorState Bank of India Banking Fees & ChargesAxis Bank Banking Fees & Charges
Current fee postureSBI has waived Savings Bank average-balance non-maintenance penalties since 11 March 2020, but ATM, IMPS, branch, card and other service charges remain product/channel-specific. Current ordinary Savings off-us ATM pricing from 1 December 2025 is ₹23 + GST for financial and ₹11 + GST for non-financial transactions after the applicable free allowance.Axis fee economics are strongly product-specific. Current reviewed Easy Access terms use a balance-shortfall formula capped by branch category, while Liberty has its own cash and card tariff; Priority and Burgundy can waive selected debit-card fees only while programme conditions are satisfied.
Account / tariff scopeFee treatment depends on the exact account class. Ordinary Savings, Salary Package, BSBD/FI/KCC and other schemes can have different waivers or transaction allowances even when they use the same SBI channels.Reviewed Easy Access MAB is ₹12,000 metro/urban, ₹5,000 semi-urban and ₹2,500 rural, with qualifying alternatives. Non-maintenance fee is ₹6 per ₹100 of shortfall capped at ₹600/₹300/₹150 by branch category.
Waivers / free-service treatmentCurrent SBI material includes nil online/digital charges in several contexts, including SBI Unipay bill payments and product-specific digital transfers, while BSBD/basic products retain their own protected basic-service treatment.Selected premium/salary programmes provide fee waivers, and reviewed Liberty material includes unlimited free online NEFT/RTGS. Those benefits remain product-scoped.
Fee thresholds / allowancesFree-transaction counts and fee thresholds are not transaction-value limits. The dated ATM tariff, account schedule and channel tariff must be matched before calculating cost.Cash free allowances and ATM counts are fee counters rather than cash/card amount limits. Axis publishes different ATM/cash structures across Savings variants.
Who the tariff applies toApplies to SBI customers only after identifying the exact deposit/account programme, debit card and service channel.The exact Axis Savings/Salary/premium account and linked debit card must be identified before a fee is applied.
Product / programme / channel relationshipThis page is a fee index over existing SBI products and channels. It does not replace the controlling Savings/Salary/BSBD/card/transfer product page or tariff.Fee waivers belong to the maintained relationship. Moving from Priority/Burgundy/salary treatment to a base Savings account can change the applicable fee schedule.
Fee-schedule detail

Compare tariff scope and waiver mechanics.

These fields come from each product's type-specific structured research, so service comparisons are not reduced to the same six generic rows.

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Type-specific banking comparison terms for State Bank of India Banking Fees & Charges and Axis Bank Banking Fees & Charges
Decision factorState Bank of India Banking Fees & ChargesAxis Bank Banking Fees & Charges
Tariff scopeRetail fee index spanning ordinary Savings, Salary Package, BSBD/basic and selected digital/ATM services. Product-specific tariffs override generic bank guidance.Product-scoped retail fee index. Easy Access is a mainstream balance-fee example; Liberty illustrates separate cash/card pricing; Priority/Burgundy demonstrate relationship waivers.
Account maintenanceSavings Bank average-balance non-maintenance penalty is waived from 11 March 2020 under SBI's current revised-service-charge index; separate account/service fees can still apply.Easy Access: ₹6 per ₹100 of average-balance shortfall, capped at ₹600 metro/urban, ₹300 semi-urban and ₹150 rural under the reviewed current MID.
Debit-card chargesDebit-card issuance/annual/replacement pricing remains variant- and account-linked. BSBD/basic RuPay ATM-cum-Debit Card treatment is separately free under the reviewed basic-account evidence.Reviewed Easy Access product evidence lists ₹200 issuance and annual fee ₹100 rural / ₹150 other locations for the linked base card. Priority/Burgundy card fee treatment differs and can be waived.
ATM chargesFor ordinary Savings variants covered by the 1 December 2025 notice (excluding BSBD, KCC and Salary Package), five other-bank ATM/ADWM transactions are free monthly at all centres; post-free pricing is ₹23 + GST financial and ₹11 + GST non-financial.ATM/cash pricing varies by account scheme. The dedicated Axis ATM/cash profile remains the operational source; v1.44 does not turn one product's allowance into a bankwide rule.
Cash / branchBranch/cash pricing remains account/service-specific; no single SBI cash-handling rate is inferred across Savings, Salary, BSBD and business products.Liberty reviewed MID: first five cash transactions or ₹1.5 lakh monthly free, whichever is earlier; beyond that self cash ₹5/₹1,000 or ₹150 minimum, third-party ₹10/₹1,000 or ₹150 minimum.
TransfersDigital transfer pricing is rail/channel specific. The fee ledger does not convert one IMPS/NEFT/RTGS waiver or charge into a universal transfer fee.Reviewed Liberty material states unlimited free online NEFT/RTGS. Other Axis account variants can have different channel/service pricing.
Digital servicesSBI Unipay's reviewed digital bill-payment channels are nil-charge to the customer; underlying biller/card/tax charges remain separate where applicable.Digital-service fees follow the product/channel source; a free online transfer feature does not automatically waive branch or card charges.
WaiversBSBD/basic, KCC, Salary Package and other programme concessions are retained as scoped overrides rather than treated as bankwide fee waivers.Priority-linked debit-card issuance/annual fee can be nil while Priority criteria are maintained; Burgundy debit-card issuance/AMC are waived for Burgundy segment customers under reviewed material.
Effective-date logicCurrent and announced-future charges are stored separately. A future-effective row cannot replace the current tariff before its effective date.Axis MIDs carry product/version context. The exact current product MID is controlling; older or different-product schedules remain separate rather than being averaged.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

State Bank of India

State Bank of India Banking Fees & Charges

  • SBI's generic ATM information and its dated 1 December 2025 ATM/ADWM charge notice are not fully aligned; the dated tariff notice is kept as the pricing anchor for the ordinary Savings scope it explicitly covers.
  • SBI has already announced a Salary Package other-bank ATM free-count revision effective 1 October 2026. Because the review date is 10 September 2026, that future rule is stored as future-effective and is not applied as today's charge.
  • BSBD/FI/KCC and Salary Package exclusions mean an ordinary Savings charge must never be copied to every SBI customer.
Axis Bank

Axis Bank Banking Fees & Charges

  • Axis does not have one useful bankwide Savings fee table for every customer; current MIDs differ by product, and v1.44 keeps those differences instead of inventing a universal Axis tariff.
  • Liberty cash allowances and Easy Access balance penalties come from different products and are not combined into one fictional account.
  • Premium debit-card waivers are relationship-dependent and can cease after programme downgrade or loss of eligibility.
Research tools

Continue from the pair into exact product-level research.

These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.

Independent source state

Verify each product from its own bank evidence.

One side's source depth or freshness never fills a gap in the other record.

State Bank of India

State Bank of India Banking Fees & Charges

Reviewed
September 10, 2026
Attached first-party sources
5
Open primary bank source ↗
MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

State Bank of India Banking Fees & Charges

Reviewed September 10, 2026 · 5 attached first-party sources

  1. Fee / charge schedulehttps://sbi.bank.in/en/web/personal-banking/information-services/kyc-guidelines/revised-service-charges
  2. Fee / charge schedulehttps://sbi.bank.in/documents/16012/22770835/NOTICE%2B%2BREVISION%2BIN%2BATM%2B%2BADWM%2BTRANSACTION%2BSERVICE%2BCHARGES.pdf/7c66ae2b-74ba-67cc-dbfa-01725136c709?t=1761913196404
  3. Issuer product pagehttps://sbi.bank.in/web/salary-account/sbi-rishtey
  4. Issuer product pagehttps://home.sbi.bank.in/web/personal-banking/accounts/saving-account/basic-savings-bank-deposit-account09b7.html
  5. Issuer product pagehttps://sbi.bank.in/hi/web/business/sme/digital-collection-products/sbi-unipay

Axis Bank Banking Fees & Charges

Reviewed September 10, 2026 · 5 attached first-party sources

  1. Issuer documenthttps://www.axisbank.com/docs/default-source/default-document-library/savings-account/axis-bank-easy-access-savings-account-mid.pdf
  2. Issuer documenthttps://www.axisbank.com/docs/default-source/default-document-library/liberty-digital-savings-mid.pdf
  3. Issuer product pagehttps://www.axisbank.com/retail/accounts/savings-account/priority-savings-account
  4. Issuer product pagehttps://www.axisbank.com/retail/accounts/savings-account/burgundy-savings-account
  5. Issuer product pagehttps://www.axisbank.com/retail/cards/debit-card