Paytm Rates and charges

Rates & Charges

  • Bank Account
    Minimum account balanceNIL
    Interest Rate3.5% per year, payable monthly
    SMS AlertsFree
  • ATM Transactions
    Other Bank Metro ATMsMumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad3 free every month; post that

    • Cash withdrawal: ₹ 20/txn*
    • Mini statement, Balance check, PIN change: ₹ 8/txn*
    Other Bank Non-Metro ATMsOther than the 6 cities mentioned above5 free every month; post that

    • Cash withdrawal: ₹ 20/txn*
    • Mini statement, Balance check, PIN change: ₹ 8/txn*
    Paytm Payments Bank ATMsUnlimited Free Transactions using Paytm Payments Bank Debit Card
    Note: In cases where transactions have been done at both Metro and Non-Metro ATMs, customers are provided 5 free transactions in a month with a cap of 3 free transactions at metro ATMs
    * Rates are inclusive of taxes

  • Debit Card and Cheque Book
    Digital RuPay Debit CardFree
    Issuance Charge₹ 250
    Annual Charge₹ 150 on a yearly basis from the date of activation of the Debit & ATM card that is linked to your account
  • Lost card replacement₹ 250
    Cheque book₹ 100 (10 leaf book)
    ₹ 150 (25 leaf book)
    * Rates are inclusive of taxes
  • Instant Debit Card
    Issuance charge/ Annual subscription for physical RuPay Debit CardAs per terms with corporate
  • Lost card replacement₹ 250
  • Online Funds Transfer
    IMPSFree unlimited
    UPIFree unlimited
    NEFTFree unlimited
    To another Paytm Payments Bank account or Paytm walletFree unlimited
  • Paytm ka ATM (Banking Point)
    Domestic Money TransferMinimum Rs. 10 or 1% per transaction (Whichever is higher)
    Cash Deposit, Cash Withdrawal, Add Money to Wallet and KYCNIL*
    * Rates are inclusive of taxes
  • Schedule of charges: Paytm Wallet
    Loading money into PaytmAdd money to wallet – Nil

    *w.e.f. 1st Jan 2020;
    Loading money into Paytm via Credit Card:
    – Transactions less than INR 10,000 per month – NIL
    – Transactions greater than INR 10,000 per month – 1.75% + GST

    In case the total add money added by Credit card including current transaction exceeds INR 10,000, the entire transaction amount will be charged as 1.75% + GST

    Example,

    Case 1:

    If the 1st transaction of add money to wallet in a calendar month is of INR 12,000/-, a fee is charged on entire the INR 12,000/-.

    That is, you will be charged INR 240/- extra. So total deduction shall be of INR 12,240/- and the amount added to your wallet shall be INR 12,000/-.
    All subsequent transactions shall be charged accordingly.

    Case 2:

    Multiple transactions of add money with a cumulative amount lower than INR 10,000/-

    For example, 1st transaction of INR 1,000/-, 2nd transaction of INR 2,000/-. Neither of the two transactions is charged.

    The cumulative money added in the calendar month is INR 3,000. Therefore, any transaction up to INR 7,000/- will not be charged. However, if you initiate a transaction of INR 7,001/- the entire amount of INR 7,001/- shall be charged. All subsequent transactions shall be charged too.

    Case 3:

    Multiple transactions of add money with a cumulative amount lower than INR 10,000/-. For example, 1st transaction of INR 1,000/- 2nd transaction of INR 2,000/- 3rd transaction of INR 3,000/- and 4th transaction of INR 4,000/-. Neither of the four transactions is charged as the cumulative amount added is below INR 10,000/-. All subsequent transactions shall be charged.

Purchase at merchant siteNil
Paytm to Paytm Wallet TransferNil

  • Paytm Wallet to Paytm Payments Bank Transfer5%
    Paytm Wallet to Bank Transfer – KYC Customer5%
    Paytm Wallet to Bank Transfer – Business PartnerAs per terms with Business Partner

  • Limits: Bank Account (Non-PAN- Form 60 users)
    Cumulative Fixed Deposit Amount annually with Partner BankUp to Rs. 3 lakh
      
  • Limits: Paytm Wallet
    Loading Money using Credit Card per UserUp to Rs. 1 lakh over last 30 days
    Loading Money using single Credit Card across multiple usersUp to Rs. 1 lakh over last 30 days

  • Limits: Savings Account
    Loading Money using Debit CardUpto Rs. 10,000 per card
    Upto Rs. 10,000 per month
  • Statements and Certificates
    Online passbookFree Online Passbook and Email Statements
    Email statementsFree

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