| Tariff scope | Retail fee index spanning ordinary Savings, Salary Package, BSBD/basic and selected digital/ATM services. Product-specific tariffs override generic bank guidance. | Retail fee index using Regular Savings as a mainstream base case while keeping Salary, Basic, Preferred, Imperia and Current Account tariffs separate. |
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| 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. | Regular Savings: metro/urban shortfall charges range from ₹150 to ₹600 by AMB band; semi-urban up to ₹300; rural AQB shortfall charges are ₹270 or ₹450 by band under the reviewed consolidated schedule. Programme exemptions can override only the matching product. |
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| Debit-card charges | Debit-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. | Current HDFC Platinum Debit Card page: ₹850 + applicable taxes annual fee and ₹200 + taxes replacement; programme-linked variants can receive a waiver while eligibility is maintained. |
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| ATM charges | For 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 free counts and post-free charges are controlled by the matching HDFC account/ATM tariff. Older consolidated pages can contain stale post-free ATM figures, so the dedicated ATM/cash profile remains the current operational anchor. |
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| Cash / branch | Branch/cash pricing remains account/service-specific; no single SBI cash-handling rate is inferred across Savings, Salary, BSBD and business products. | Regular Savings: four free cash transactions per month; aggregate cash up to ₹2 lakh/month is free. Beyond the applicable free value, ₹5 per ₹1,000 or part thereof, minimum ₹150; third-party cash is capped at ₹25,000/day under the reviewed tariff. |
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| Transfers | Digital transfer pricing is rail/channel specific. The fee ledger does not convert one IMPS/NEFT/RTGS waiver or charge into a universal transfer fee. | Online NEFT/RTGS are nil-charge for reviewed eligible retail scope. Branch transfer fees remain amount-slab specific and are not treated as digital fees. |
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| Digital services | SBI Unipay's reviewed digital bill-payment channels are nil-charge to the customer; underlying biller/card/tax charges remain separate where applicable. | HDFC BillPay/SmartPay reviewed customer service fee is zero; programme/account and payment-instrument charges remain separate. |
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| Waivers | BSBD/basic, KCC, Salary Package and other programme concessions are retained as scoped overrides rather than treated as bankwide fee waivers. | Preferred and Imperia currently state nil savings non-maintenance charges inside the programme and waive the ₹850 annual Platinum Debit Card fee while programme membership is maintained. |
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| Effective-date logic | Current and announced-future charges are stored separately. A future-effective row cannot replace the current tariff before its effective date. | A fee row retains the source's stated effective date where published; legacy pages remain evidence conflicts rather than silently overriding a newer product/programme page. |
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