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SBI Account Se Paise Kat Rahe Hain?

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SBI Account Se Paise Kat Rahe Hain? 2025 Mein Debit Charges Ka Reason aur Updates 

Agar aapka State Bank of India (SBI) account hai aur aapke account se paise kat rahe hain, to shayad aapko SMS notifications mein ₹147.50 ya aur koi amount deduct hone ka message mila hoga. Yeh ek common concern hai SBI customers ke beech, aur iske peeche ka reason samajhna zaroori hai. SBI, India ka sabse bada public sector bank, apne 40 crore+ customers ke liye transparent policies rakhta hai, aur har deduction ke saath SMS alert bhejta hai. Is SEO optimized aur detailed guide mein hum aapko batayenge ki SBI account se paise kyun kat rahe hain, 2025 ke latest debit charges, aur kaise aap in charges se bach sakte hain. Yeh article Hindi aur English mix mein hai for better readability and high search engine ranking.

Why Money is Deducted from SBI Account? | SBI Account Se Paise Kyun Kat Rahe Hain?

SBI apne customers se various services ke liye charges deduct karta hai, jaise debit card maintenance, ATM transactions, aur other banking services. Agar aapke account se paise kat rahe hain, to iske kuchh common reasons hain:

  • Debit Card Annual Maintenance Charges: SBI har debit card ke liye annual maintenance fee charge karta hai, jo card type ke hisaab se vary karta hai.
  • ATM Transaction Charges: Free transaction limit exceed hone par ATM withdrawals ya non-financial transactions ke liye charges lagte hain.
  • Processing Fees: Certain services jaise tax payments ya merchant EMI transactions ke liye processing fees lagaye jate hain.
  • Other Services: Cheque book, demand draft (DD), ya SMS alerts ke liye bhi nominal charges apply ho sakte hain.

SBI apne customers ko har deduction ke baare mein SMS ya email ke through inform karta hai, so no need to panic. Let’s dive into the details of these charges as per 2025 updates.

SBI Debit Card Annual Maintenance Charges | Debit Card Ke Annual Charges

Ek common reason jo customers ke account se paise katne ka wajah banta hai, woh hai Debit Card Annual Maintenance Charges (AMC). SBI apne debit cards ke liye yearly fee charge karta hai, jo card type par depend karta hai. As per the latest updates effective from April 1, 2024:

  • Classic, Silver, Global, Contactless Debit Cards: ₹200 + GST (approx. ₹236 after 18% GST).
  • Yuva, Gold, Combo, My Card: ₹250 + GST (approx. ₹295 after GST).
  • Platinum Debit Card: ₹325 + GST (approx. ₹383.50 after GST).
  • Pride Premium Business Debit Card: ₹425 + GST (approx. ₹501.50 after GST).

Example: Agar aapke paas Classic Debit Card hai, to ₹200 + 18% GST = ₹236 (previously ₹147.50 jab GST ₹125 par lagaya jata tha). Yeh charge har saal second year ke shuruat mein deduct hota hai.

Note: Basic Savings Bank Deposit (BSBD) accounts aur Kisan Credit Card (KCC) accounts ke liye AMC waived hai as of May 1, 2025.

SBI ATM Transaction Charges in 2025 | ATM Transaction Charges Ka Update

SBI customers ko har mahine limited free ATM transactions milti hain. Agar aap yeh limit cross karte hain, to charges apply hote hain. Latest rules effective from February 1, 2025, ke mutabik:

  • Free Transaction Limits:
    • SBI ATMs: 5 free transactions per month (financial + non-financial).
    • Other Bank ATMs: 10 free transactions per month (metro aur non-metro dono).
  • Charges After Free Limit:
    • SBI ATMs:
      • Financial transactions (cash withdrawal): ₹15 + GST per transaction.
      • Non-financial transactions (balance enquiry, mini statement): Free.
    • Other Bank ATMs:
      • Financial transactions: ₹23 + GST per transaction (increased from ₹21 as per RBI guidelines effective May 1, 2025).
      • Non-financial transactions: ₹10 + GST per transaction.
    • Declined Transactions (Insufficient Balance): ₹20 + GST per transaction (unchanged).

Example: Agar aap 6th time SBI ATM se cash nikalte hain, to ₹15 + 18% GST (approx. ₹17.70) charge hoga.

Pro Tip: Apne free transaction limits ko save karne ke liye balance checks aur mini statements ke liye SBI YONO app ya net banking use karein.

Other Common SBI Charges in 2025 | Anya Charges Jo Apply Ho Sakte Hain

SBI ke account se paise katne ke aur bhi kuchh reasons ho sakte hain. Here’s a detailed look:

1. Cheque Book Charges

  • First 50 Cheque Leaves: Free in a financial year for most accounts.
  • Additional Cheque Leaves: ₹3 per leaf + GST.
  • Current Accounts:
    • Power Base: 50 free leaves per month.
    • Power Gain: 200 free leaves per month.
    • Power Pack: 1,000 free leaves per month.
    • Shubharambh-Startup: 10 free leaves per month.
    • Beyond free limit: ₹3 per leaf + GST.

2. Demand Draft (DD) Charges

  • Issuance Charges:
    • Up to ₹5,000: ₹25 + GST.
    • ₹20,000: ₹100 + GST.
    • ₹50,000: ₹250 + GST.
    • Above ₹1,00,000: Up to ₹2,000 + GST.
  • Cancellation Charges: Up to ₹100 (waived for certain accounts like Salary Package, Diamond, Platinum, etc.).

3. Processing Fees

  • Tax Payment Transactions: ₹99 + applicable taxes (effective since November 15, 2022).
  • Merchant EMI Transactions: ₹199 + applicable taxes.

4. SMS Alerts and Other Services

  • SMS Alerts: ₹15 + GST per quarter for some accounts (free for BSBD accounts).
  • Passbook Issuance: Free.
  • Account Closure Charges: Vary based on account type and age; no charges for BSBD accounts.

5. Non-Maintenance of Average Monthly Balance (AMB)

  • Good news! SBI ne March 11, 2020, se AMB non-maintenance penalty waive kar diya hai for all savings accounts. So, ab aapko minimum balance maintain na karne ki wajah se koi charge nahi dena padega.

How to Avoid Unnecessary Charges? | Charges Se Kaise Bachein?

SBI account se unwanted deductions ko avoid karne ke liye yeh tips follow karein:

  1. Use SBI ATMs: Other bank ATMs ke comparison mein SBI ATMs par lower charges hain.
  2. Stay Within Free Limits: Har month ke free ATM transactions ka dhyan rakhein aur balance checks ke liye YONO app use karein.
  3. Choose the Right Card: Agar aap frequent ATM user hain, to premium debit cards (jaise Platinum) choose karein jo higher free transaction limits offer karte hain.
  4. Opt for BSBD Account: Basic Savings Bank Deposit (BSBD) accounts zero balance aur free debit card ke saath aate hain, with no AMC or ATM decline charges.
  5. Check Statements Regularly: Apne account statements aur SMS alerts check karte rahein to know which charges are being applied.
  6. Use Digital Banking: Net banking ya YONO app ke through bill payments, transfers, aur balance checks karein to avoid extra charges.

What to Do If You’re Charged Unexpectedly? | Agar Unexpected Charges Lage To Kya Karein?

Agar aapke account se koi unexpected amount deduct hua hai, to yeh steps follow karein:

  1. Check SMS/Email Alerts: Deduction ka reason SMS ya email mein mention hoga.
  2. Contact SBI Customer Care:
  3. Visit Nearest Branch: Apne home branch mein visit karein aur statement ke saath query raise karein.
  4. File a Complaint: Online banking portal ya SBI website par grievance form fill karein.
  5. Check Official Website: SBI ki official website (www.sbi.co.in) par latest service charges check karein for clarity.

2025 Updates on SBI Charges | 2025 Mein Kya Naya Hai?

As of May 2025, SBI ne kuchh important changes introduce kiye hain:

  • ATM Transaction Charges: RBI guidelines ke under, ATM withdrawal fee ₹21 se badhkar ₹23 per transaction ho gaya hai (effective May 1, 2025).
  • Debit Card AMC: April 1, 2024, se revised AMC rates apply ho rahe hain, jisme Classic cards ke liye ₹200 + GST aur Platinum cards ke liye ₹325 + GST hai.
  • BSBD and KCC Accounts: ATM/ADWM transaction decline charges waived hain effective May 1, 2025.
  • Digital Push: SBI customers ko YONO app aur net banking ke through transactions karne ke liye encourage kar raha hai to reduce physical transaction costs.

Conclusion | Niskarsh

Agar aapke SBI account se paise kat rahe hain, to yeh usually debit card AMC, ATM transaction charges, ya processing fees ki wajah se hota hai. Common deductions mein ₹147.50 (Classic Debit Card AMC with GST) ya ₹15-23 (ATM transactions) shamil hain. 2025 mein SBI ne charges ko streamline kiya hai aur AMB penalty waive kar diya hai, jo customers ke liye ek badi relief hai. Apne charges ko track karne ke liye regular statements check karein aur digital banking ka use karein to save on fees.

Pro Tip: BSBD account ya premium debit cards choose karein for more free transactions, aur official SBI website ya YONO app se latest updates check karte rahein.

FAQs | Aksar Puche Jaane Wale Sawaal

1. SBI account se ₹147.50 kyun kata gaya?

Yeh amount usually Classic Debit Card ke annual maintenance charge (₹200 + 18% GST = ₹236) ke liye hota hai. 2024 se pehle yeh ₹125 + GST (₹147.50) tha.

2. ATM transactions ke kitne free attempts milte hain?

SBI ATMs par 5 aur other bank ATMs par 10 free transactions har month milti hain (effective February 1, 2025).

3. Kya minimum balance na rakhne ka charge lagta hai?

Nahi, SBI ne March 11, 2020, se minimum balance penalty waive kar diya hai.

4. Charges se bachne ke liye kya karna chahiye?

SBI ATMs aur YONO app ka use karein, free transaction limits ka dhyan rakhein, aur BSBD account consider karein for zero charges.

Agar yeh guide helpful lagi, to isse apne friends aur family ke saath share karein aur SBI charges ke baare mein updated rahein!

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