Etawah UrbanForms, loan rates & service charges
Review loan rates and service charges, and access the bank’s application forms.
- DEAF claim applicationWord document (.docx)
- KYC / common application formPDF
- Service chargesPDF · Effective 1 September 2023
- Loan interest rate scheduleExcel workbook (.xlsx)
Deposit information
For savings, current and fixed deposit account details, please contact the bank. The supplied documents do not specify current deposit interest rates or product terms, so confirm those directly with the branch.
Passbook assistance · Customer request / KYC form
Loan interest rates
| Loan type | Amount / condition | Interest rate | Notes |
|---|---|---|---|
| Consumer Loan | Up to ₹1 lakh | 14% | |
| Consumer Loan | Above ₹1 lakh | 16% | Up to the exposure limit for unsecured loans |
| Retail Loans | Up to ₹5 lakh | 12.5% | |
| Retail Loans | Above ₹5 lakh | 12% | Subject to exposure limit |
| Personal Loan | Up to ₹1 lakh | 18% | Collateral-free loan |
| Loan Against Property | Up to ₹10 lakh | 15% | |
| MSME Loan | GST registration not mandatory up to ₹10 lakh | 15% |
Refer to the loan rate schedule for the bank's supplied details.
Service charges
Effective 1 September 2023. Approved by the Board on 25 August 2023. Charges are exclusive of applicable tax, as stated in the circular.
View the complete service charge circular (PDF)
| Service | Account / condition | Charge |
|---|---|---|
| Cheque books | Current / CC | ₹2 + GST per leaf; 60 leaves ₹120 + GST |
| Cheque books | Savings | ₹2 + GST per leaf; 15 leaves ₹30 + GST |
| Stop payment | Savings / Current / CC | ₹50 + GST per instrument; maximum ₹500 + GST per instance |
| Monthly average balance shortfall | Current | Up to 50%: ₹50 + GST; above 50% to 75%: ₹75 + GST; above 75%: ₹100 + GST per month |
| Monthly average balance shortfall | Savings | Up to 50%: ₹5 + GST; above 50% to 75%: ₹7.50 + GST; above 75%: ₹10 + GST per month |
| Minimum balance | Savings / Current | Savings without cheque book: ₹1,000; with cheque book: ₹2,000; Current: ₹5,000 |
| Account closure | Savings (excluding Basic & Small accounts under financial inclusion) | After one year: ₹200 + GST. Nil for closure within 14 days; transfer between branches; death of holder (manually debited); closing an individual savings account to open a joint account; pensioner without cheque book. |
| Account closure | Current | ₹500 + GST |
| Statement print | Savings / Current / CC / OD | Savings: ₹20 + GST for annual statement more than once. Current / CC / OD: ₹50 + GST for quarterly statement more than once. |
| Locker security | Refundable on surrender | ₹10,000; bank staff ₹5,000. Interest payable at contracted ROI. |
| Locker rent | Annually in advance | ₹1,200; bank staff ₹500 |
| Cheque return | Insufficient funds | Savings: ₹250 + GST. Current / CC / OD: up to ₹1 lakh ₹250 + GST; above ₹1 lakh ₹500 + GST. Technical reasons: ₹125 for all. |
| Mandate return (inward & outward) | Insufficient funds | Savings: ₹250 + GST. Current / CC / OD: up to ₹1 lakh ₹250 + GST; above ₹1 lakh ₹500 + GST. Technical reasons: ₹125 for all. |
| SMS | Savings / Current / CC / OD | ₹15 + GST per quarter per account |
| Duplicate | TDR / Passbook | TDR: ₹100 + GST; passbook: ₹50 + GST |
| Membership | Membership fee | ₹10 |
| Nominal member | Borrower / Non-borrower | Borrower: ₹2; non-borrower: ₹50 |
| RD late fee | Per month | ₹1.50 per ₹100 |
| Processing fees (loans & advances) | Sanction amount | Up to ₹50,000: ₹500. Above ₹50,000: 1% of sanction amount, maximum ₹5,000. |
| Collection of bills | Local | Nil |
| Collection of outstation cheque | Amount bands shown in circular | ₹10,000: ₹50 + GST; above ₹10,000: ₹200 + GST |
| Demand draft / Bankers cheque | Issue | Up to ₹5,000: ₹25 + GST; above ₹5,000 to ₹10,000: ₹50 + GST; above ₹10,000 to ₹1 lakh: ₹4 per ₹1,000 (minimum ₹50); above ₹1 lakh: ₹4 per ₹1,000 (minimum ₹400, maximum ₹1,500). |
| NEFT | As annotated in supplied circular | Up to ₹1 lakh: ₹5 + GST; above ₹1 lakh to ₹2 lakh: ₹25 + GST |
| RTGS | Bands and annotations reproduced from supplied circular | Up to ₹1 lakh: ₹5 + GST; ₹1 lakh to ₹5 lakh: ₹25 + GST; above ₹5 lakh: ₹50 + GST |
| Revalidation / cancellation | Demand draft / Bankers cheque | ₹100 + GST. No revalidation charge on pledged demand drafts / bankers cheques. |
| Postal charges | Ordinary / Registered speed post | Ordinary: ₹20 + GST (actual expenses); registered speed post: minimum ₹50 + GST (actual expenses) |
| Signature verification | Per instance | ₹100 + GST |
The circular states that no charges apply to bank staff for personal use, excluding locker rent. The transfer bands and amended amounts above follow the supplied circular; consult the branch for transaction eligibility.
KYC / common application form
View and print the KYC / common application form (PDF).
The form covers SMS alerts, duplicate passbook, personalised cheque book, branch transfer, account closure, KYC documents, address corrections and mobile-number changes.
Complete your account and personal details, select the required service and sign the form. For address changes, the form asks for a copy of the new address proof and the original for branch verification. Listed documents include voter ID, driving licence, Aadhaar, passport, PAN, MGNREGA job card and other proof.
The supplied form prints SMS alerts at ₹17 per quarter and duplicate passbook at ₹50. The dated service circular separately lists ₹15 + GST per quarter and ₹50 + GST respectively; confirm the applicable charge with the branch.
DEAF claim application
Download the DEAF claim application (Word).
For unclaimed deposits / inoperative accounts, the claimant may apply as self, nominee, legal heir or other claimant. Complete the account holder name, account number, amount, communication address, mobile number, claimant capacity, branch and date, and sign the claim form.
Claims are settled after due diligence and authentication of the documents and claim, according to the bank’s process and policy. Submit the completed application to the branch for verification.
Unclaimed deposits
Search DEAF records as at 31 October 2026 and download the claim application.