She has a regular savings account with HDFC Bank.
She often transacts through the branch near her home, as she feels it is more convenient and she "does not really trust internet banking".
However, her bank statement shows far more debits than she had done through branch banking.
Explains a retail banking head of a foreign bank, "Banks will have to make up for the increased savings account interest rate. Increasing charges on services is one way of doing it."
Early last year, when the Reserve Bank of India raised the savings bank rate to four per cent, bankers had made it clear they would raise service charges to help make up for the high rates.
Then, came the savings rate deregulation in October 2011.
Now, if a bank is free to fix the interest rates it wants to pay you on savings deposits, it is also free to decide on charges to adjust the pinch on its pocket.
This process has started.
HDFC Bank increased service charges on its savings bank accounts in January.
A few days ago, ICICI Bank followed suit, effective from next month.
According to the foreign bank executive, many more banks are set to follow suit.
There are some new charges too, that have been introduced, some of which you may not even know about.
Both ICICI Bank and HDFC Bank used to charge a penalty for not maintaining a minimum balance on a quarterly basis.
The two banks will now impose this charge for non-maintenance of monthly balance, depending on the type of savings account you hold, and where you stay (urban, semi-urban or rural area).
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