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Savings Bank Account (SBOGP)

Eligibility Any Individuals in single name, Two or more individuals (Joint Accounts),Minors, Illiterate persons, Blind Persons, Hindu Undivided families (HUF), Clubs, Associations, Committees, Societies, Schools, Trusts, Executors, Administrators, Institutions/Agencies specifically permitted by the RBI, pensioners and Staff members.
Minimum Balance (in Rs)
Category Rural S-Urban Urban
With CHQ book 1000 1000 1000
Without CHQ book 500 500 500
Type of ATM/Debit card RUPAY Card
Debit Card charge Issue charge – FREE Annual maintenance charge – No charges for the 1 st Year & Rs.125/- per year from 2 nd Year onwards.
Access to CGGB ATM / Sponsor bank(UBI)ATM No limit on number of transactions
Access to other bank ATM No charges up to 5 transactions (financial + non-financial) per month. Beyond 5 transactions, Rs.20 per one financial transaction & Rs. 8 per Non-financial transaction
ATM Cash Withdrawal Limit Rs.25,000/- Per day
POS Limit Rs. 50,000/- Per day
SMS Banking Charges No charge for the accounts of Senior Citizens, No frill accounts, Pensioner’s accounts, Accounts of CGGB Staff. All other accounts will levied with Rs. 20 per quarter
Cheque leaves including Personalized Cheque Leaves 25 leaves free/ year. Beyond 25 leaves, Rs. 2.50 per leaf will be charged
DD As per applicable charges
NEFT/RTGS/IMPS As per applicable charges.
Account closure -within 12 months of opening Rs. 150 (for Rural Branch) & Rs. 200 (For Urban & Semi-urban branches)

Penalty* for Non-Maintenance of Average Quarterly Balance(AQB)

*No penalty for SB accounts of Senior citizens
Shortfall in AQB A/c with chq book A/c without chq book
Rs 501 - 1000 Rs 100 -NA-
Rs 251 - 500 Rs 50 Rs 50
Up to Rs 250 Rs 25 Rs 25

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