Charges, Fees & Interest Rates
All details regarding charges, fees and interest rates applicable to users of Airtel Payments Bank account or wallet.
Schedule of Charges for Current Account
Service
Individual CA Fee/Charges (INR)
Sole Prop Fee/Charges (INR)
Annual Facilitation Charges- AFC
INR 599 Incl. GST for only CA
INR 699 Incl. GST for CA with Soundbox as added benefit.
Regular Current Account - INR 1099 Incl. GST
Account Maintenance Charges- AMC
INR 149.75 Incl. GST per quarter charged post facto for only CA
INR 129 Incl. GST per month for CA with Soundbox as added benefit.
Regular Current Account - INR 1099 Incl. GST per year
Cash Deposit (Banking Points)
Free
Free
Cash Withdrawal
For each month: Upto 75,000- Free; Greater than 75,000 - 0.75% of transaction amount
For each month: Upto 75,000- Free; Greater than 75,000 - 0.75% of transaction amount
Funds Transfer through Mobile App & IMPS
Free
Free
Since 1st Feb 2026, bank has migrated to a new regime of standard charge for current account, by shutting down Annual Subscription Charges & Effective 1st Feb 26 new current account acquisitions will be charged 599 (Incl. GST) as Account Facilitation Charge and 149.75(Incl. GST) per quarter as Account Maintenance Charge. The fee is subject to changes with time and will be updated accordingly.
Effective 1 April 2026:
- Individual Current Account customers who have paid INR 599 (incl. GST) will be moved to a Quarterly AMC model after their current annual cycle ends. Customers who have not paid INR 599 (incl. GST) will be moved to the Quarterly AMC model effective 1st April 2026. The Quarterly AMC will be INR 149.75 (incl. GST) per quarter.
- Individual Current Account customers with the Insurance Plan will continue paying INR 999 (incl. GST) annually with no change.
If sufficient balance is not maintained in the account, charges will be levied on available balance and subsequently bank will make attempts to recover the remaining charges at regular intervals.
Description
Individual CA Limits (INR)
Sole Prop CA Limits (INR)
Maximum Current Account Balance
197,000 (*terms and conditions apply)
197,000 (*terms and conditions apply)
Maximum Cash Withdrawal per transaction
49,999
49,999
Maximum Cash Withdrawal
500,000 per month/ 1,999,000 per year
500,000 per month/ 1,999,000 per year
Maximum Cash Deposit
100,000 per month/1,000,000 per year
200,000 per month/ 1,999,000 per year
Cash Withdrawal via AEPS
2 Transactions/Day(max), 10 Transactions/Month or INR 50,000 Cash Withdrawal per Month (Whichever is Minimum), INR 10,000 per transaction (Max)
2 Transactions/Day(max), 10 Transactions/Month or INR 50,000 Cash Withdrawal per Month (Whichever is Minimum), INR 10,000 per transaction (Max)
Debit card issuance & maintenance charges
349 Including GST & 199 Including GST
349 Including GST & 199 Including GST
Debit card transactions
1 Free transaction
1 Free transaction
Online Transactions using MasterCard (Per Day)
15 transactions
15 transactions
Maximum credit & debit for Current Account per day (all modes combined)
500,000 each
500,000 to 1,000,000 each based on the business documents submitted
Maximum credit & debit from Current Account per transaction
200,000 each
500,000 to 1,000,000 each based on the business documents submitted
Annual Credit & Debit Limit
5,000,000 each
5,000,000 to 50,000,000 each based on the business documents submitted
The Daily and Monthly transaction limit for Current Bank accounts would be categorized by the Bank based on risk assessment of the Customer as per Customer’s profile. These thresholds may be reviewed periodically and may be revised by the Bank as per its internal policies, risk models, and regulatory guidelines.
Based on user behaviour and risk profile of the user, limits to add money / send money / UPI transactions may be modified accordingly from time to time.