Interest & Charges on Bank Statements — Explained

Interest — credit side

INT.PD / SB-INT / CREDIT INT / INTEREST EARNED: savings interest. RBI ke hisaab se savings interest daily balance par calc hoti hai, quarter-end par credit. FD interest (INT.PD.TD) bhi yahin dikhta hai. TDS (10% agar PAN linked) bhi kat sakta hai — TDS line alag dikhti hai.

Interest — debit side (beware!)

OD INT / DEBIT INT: overdraft ya negative balance par interest — APR 30-40% tak ho sakta hai. Loan EMI ke andar bhi interest component hota hai (narration me EMI dikhta hai).

Charges — poori list

• AMB / MAB / QAB CHRG: min balance na rakhne par (₹100-800/month + GST)
• SMS CHRG: ₹15-25/quarter + GST
• ATM CHG: free limit ke baad ₹20-23 + GST per txn
• CHQ RTN: cheque bounce ₹150-750
• NEFT/RTGS/IMPS CHG: ₹2.50-55 txn value par
• GST: har charge par 18%

Overcharge check kaise karein

1. Statement PDF converter me daalo
2. Summary sheet me Fees & Charges total dekho (auto-calculated)
3. Category filter me sirf "Fees & Charges" dekho — month-wise pivot banao
4. Bank ke official schedule of charges se compare karo — mismatch mile to branch me refund maango