{"id":10204,"date":"2026-02-04T09:14:25","date_gmt":"2026-02-04T09:14:25","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10204"},"modified":"2026-02-04T09:14:25","modified_gmt":"2026-02-04T09:14:25","slug":"cash-deposit-charges-in-banks-india-2026-guide","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/cash-deposit-charges-in-banks-india-2026-guide\/","title":{"rendered":"Cash Deposit Charges in Banks \u2013 India (2026 Guide)"},"content":{"rendered":"\n

Cash deposit charges<\/strong> are fees banks may apply when you deposit cash into your bank account beyond certain limits. These charges vary by bank, account type, and deposit amount<\/strong>.<\/p>\n\n\n\n

Quick Summary<\/h2>\n\n\n\n
    \n
  • Applies to:<\/strong> Savings & current accounts<\/li>\n\n\n\n
  • Free limit:<\/strong> Yes (varies by bank\/account)<\/li>\n\n\n\n
  • Charges:<\/strong> Applied after free limit is crossed<\/li>\n\n\n\n
  • Varies by:<\/strong> Bank policy, branch location, and account variant<\/li>\n<\/ul>\n\n\n\n

    Cash Deposit Charges \u2013 Savings Account (Typical)<\/h2>\n\n\n\n

    Most Indian banks allow limited free cash deposits per month<\/strong>.<\/p>\n\n\n\n

    Common Structure (Indicative)<\/h3>\n\n\n\n
      \n
    • Free cash deposits:<\/strong> \u20b925,000 to \u20b91,00,000 per month<\/li>\n\n\n\n
    • After free limit:<\/strong>\n
        \n
      • \u20b92\u2013\u20b93 per \u20b91,000 deposited<\/li>\n\n\n\n
      • Or a flat fee<\/strong> (like \u20b950\u2013\u20b9150 per transaction)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

        Charges may differ for metro, urban, semi-urban, and rural branches<\/strong>.<\/p>\n\n\n\n

        Cash Deposit Charges \u2013 Current Account<\/h2>\n\n\n\n

        Current accounts usually have higher cash handling limits<\/strong>.<\/p>\n\n\n\n

        Typical Pattern<\/h3>\n\n\n\n
          \n
        • Free limit:<\/strong> \u20b95 lakh to \u20b910 lakh per month (depends on variant)<\/li>\n\n\n\n
        • Beyond limit:<\/strong>\n
            \n
          • \u20b92\u2013\u20b95 per \u20b91,000<\/li>\n\n\n\n
          • Higher charges compared to savings accounts<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

            Cash Deposit Through ATM \/ CDM<\/h2>\n\n\n\n
              \n
            • Cash Deposit Machines (CDM):<\/strong>\n
                \n
              • Often free up to a limit<\/strong><\/li>\n\n\n\n
              • Charges apply after exceeding monthly cap<\/li>\n<\/ul>\n<\/li>\n\n\n\n
              • Limits and fees vary by bank.<\/li>\n<\/ul>\n\n\n\n

                Cash Deposit at Non-Home Branch<\/h2>\n\n\n\n

                Some banks charge extra if you deposit cash at:<\/p>\n\n\n\n

                  \n
                • A non-home branch<\/strong><\/li>\n\n\n\n
                • A branch in another city<\/li>\n<\/ul>\n\n\n\n

                  This depends on bank policy.<\/p>\n\n\n\n

                  Who Usually Gets Free Cash Deposits?<\/h2>\n\n\n\n
                    \n
                  • Salary accounts<\/strong> (up to certain limits)<\/li>\n\n\n\n
                  • Basic Savings \/ Jan Dhan accounts<\/strong><\/li>\n\n\n\n
                  • Senior citizen accounts<\/strong> (in some banks)<\/li>\n<\/ul>\n\n\n\n

                    Always check your specific account rules.<\/p>\n\n\n\n

                    How to Check Your Bank\u2019s Cash Deposit Charges<\/h2>\n\n\n\n

                    You can confirm exact charges by:<\/p>\n\n\n\n

                      \n
                    • Checking your bank\u2019s website or app<\/strong><\/li>\n\n\n\n
                    • Viewing the Schedule of Charges<\/strong><\/li>\n\n\n\n
                    • Asking at your home branch<\/strong><\/li>\n<\/ul>\n\n\n\n

                      How to Avoid Cash Deposit Charges<\/h2>\n\n\n\n
                        \n
                      • Use CDM\/ATM cash deposit<\/strong> within free limits<\/li>\n\n\n\n
                      • Spread deposits across months if possible<\/li>\n\n\n\n
                      • Upgrade to an account with higher free limits<\/li>\n\n\n\n
                      • Use digital modes<\/strong> like UPI, IMPS, or NEFT<\/li>\n<\/ul>\n\n\n\n

                        FAQs<\/h2>\n\n\n
                        \n
                        \n
                        \n

                        Q. Is cash deposit always charged?<\/strong><\/h3>\n
                        \n\n

                        A. No. Charges apply only after crossing the free limit<\/strong>.<\/p>\n\n<\/div>\n<\/div>\n

                        \n

                        Q. Are cash deposit charges same in all banks?<\/strong><\/h3>\n
                        \n\n

                        A. No. They vary by bank and account type<\/strong>.<\/p>\n\n<\/div>\n<\/div>\n

                        \n

                        Q. Is cash deposit free in Jan Dhan account?<\/strong><\/h3>\n
                        \n\n

                        A. Usually yes, within reasonable limits.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                        Security Tips<\/h2><\/div>\n\n\n\n
                          \n
                        • Always count cash before handing it over<\/li>\n\n\n\n
                        • Keep deposit slip and receipt safely<\/li>\n\n\n\n
                        • Avoid depositing large cash amounts frequently<\/li>\n<\/ul>\n\n\n\n

                          Conclusion<\/h2>\n\n\n\n

                          Cash deposit charges<\/strong> depend on how much cash you deposit, how often, and which account you hold. To avoid extra fees, stay within free limits and use digital banking options<\/strong> whenever possible. For exact charges, always check your bank\u2019s latest schedule of fees.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10204","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10204","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10204"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}