Interests & Charges

Gal Gal Money

Savings Account

Minimum Average Balance Zero
Interest rate on savings account Youth Savings Account 1.   Balance up to Rs.25.00 Lakhs 2.75%* ( w.e.f. 18.12.2020)
  Regular Savings Account 2.       Balance above Rs.25.00 Lakhs 3.50%* (w.e.f 14.03.2022)

Digital Payments & Transactions

Online Payments – NEFT/RTGS/UPI NEFT: Up to 1 lakhs – Free
Above 1 lac to 2 lakhs – Rs. 10/ + GST (per transaction)
Above 2 lakhs – Rs 15/ + GST (per transaction)
RTGS: Rs 2 Lakhs to Rs 5 Lakhs – Rs 24.50/ +  GST (per transaction)
Above 5 Lakhs: Rs 49.50/ + GST (per transaction)

Debit Card & ATM Charges

Annual Fee on Debit Card The first year is FREE, then ATM Annual maintenance charges
Rupay card – INR 100/Yearly
Transaction fees and limits if you use any ATM Home Branch Limit Non-Home Branch
INR 2.00 Lacs per day Above limit: Rs 2 per thousand. INR 50000/- per day Above limit: Rs 3 per thousand
Clearing & Transfer – No Limit
Transaction fees if you use any ATM other than Cosmos Bank 10 transactions are free per month; after that, regular charges will be applicable.
Value-added services – PIN
changed, and mini statements on other bank ATMs will be chargeable from the first transaction.
ATM transactions on us will be free if these customers operate from our ATMs at other locations.
Transaction Limit Minimum Limit: ₹1
Maximum Limit: ₹2 lakhs
Up to ₹1 lakh ₹5 per transaction
Above ₹1 lakh to ₹2 lakhs ₹15 per transaction

Branch Transactions & Other Charges

Get a chequebook 20 cheques are free every financial year; after that, it is Rs. 4/- per cheque.
Account Closure Up to 14 days 15 days to less than 6 months Up to 1 year
Nil INR. 250/- Rs 150/-

In the case of UPI

Transaction Limit
Daily Transaction Limit ₹ 50,000
Per Transaction Limit ₹ 10,000
Maximum Number of Transactions/Day Charges 10
Personal transactions made by individuals through UPI are free. Free

Note – GST applies to the charges mentioned above