Axis Bank savings, salary account charges changing from 1 December 2026: All you want to know

New Delhi: Private lender Axis Bank has announced the revised tariff for domestic and Non-Resident Indian (NRI) savings and salary accounts. The bank has announced steeper penalty for accounts that fall below a certain minimum balance. Axis bank has also announced to cap free cash usage. The bank will discontinue certain premium rewards for account holders.

The fees and charges structure for Savings/Salary Accounts is being revised with effect from 1 December 2026.

Non-Maintenance Penalty

Axis Bank semi-urban and rural account holders will no longer get regional discounts on non-maintenance fees. It is applicable to domestic & NRI EASY ACCESS and equivalent accounts. Not applicable to salaried customers.

Compare existing charges and revised charges

Existing Charges

Domestic: 6% of the shortfall from the Average Monthly Balance requirement.

Minimum: Nil

Maximum: Rs 600 for Metro/Urban; Rs 300 for Semi-Urban; Rs 150 for Rural

NRI: 6% of the shortfall from the Average Monthly Balance requirement.

Minimum: Nil

Maximum: Rs 600 for Metro/Urban; Rs 300 for Semi-Urban/Rural

Revised Charges

Domestic Accounts

• Fee Structure: 6% of the shortfall from the prescribed Average Monthly Balance (AMB) requirement.
• Minimum Penalty: Nil
• Maximum Penalty: Rs 600 across all locations (Metro, Urban, Semi-Urban, and Rural).

NRI Accounts

• Fee Structure: 6% of the shortfall from the prescribed Average Monthly Balance (AMB) requirement.
• Minimum Penalty: Nil
• Maximum Penalty: Rs 600 across all locations (Metro, Urban, Semi-Urban, and Rural).

Total Relationship Value requirement (applicable for domestic and NRI PRIME, PRESTIGE, PRIORITY, SAMPANN, ADVANTAGE, ARISE Women’s and Burgundy Accounts was at 75% of the prescribed level. It is now revised to 100% of the prescribed level.

Cash transaction charges for various accounts

The bank is tightening its limits on physical cash handling.

The existing cash transaction charges (applicable to domestic and NRI EASY ACCESS & equivalent accounts, KRISHI and SAHAJ Saving Accounts) is Free for first 4 transactions or Rs 1 lakh, whichever is earlier. Free limit has been now revised to first 3 transactions or Rs 1 lakh, whichever is earlier.

For outward cheque return charges (applicable for domestic & NR EASY ACCESS & equivalent account, ADVANTAGE, ARISE Women’s, SAMPANN, KRISHI, SAHAJ, TASC, PRIME, LIBERTY, PRESTIGE, PRIORITY and Burgundy Accounts) the 1st return charge was Rs 50; 2nd return onwards was Rs 100. It has now been revised to Rs 200 per return.

Deliverable return charges (applicable to NRI Burgundy, PRIORITY, PRESTIGE and PRIME Accounts) was Rs 50/- per return. It has been revised to Rs 500 per return.

EDGE REWARD Points (applicable for Burgundy, PRIORITY, PRESTIGE, PRIME NRI and EASY NRI Accounts) was as per existing EDGE REWARDS Program. This has now been discontinued.

Axis Bank has said that all fees and charges are exclusive of taxes. The charges mentioned above will attract Goods and Services Tax(GST), as applicable.