Transacting at a non-home bank branch? Be aware of the limits and charges


With the advent of the core banking system and technology, banks have enabled almost all transactions for customers across home and non-home branches

In mid-February, Durgesh Kumar’s elderly parents moved to Hyderabad from Mumbai. He has been working and living there for the last five years. The parents were planning to return to Mumbai in April, but the pandemic and the resultant nationwide lockdown meant that they had to stay put in Hyderabad.

In June, Durgesh’s father got ill and needed a large amount for treatment. The savings were parked in the home branch of a private bank in Mumbai. Unfortunately, while visiting Hyderabad, Durgesh’s parents didn’t carry the bank passbook or cheque book of the account they hold in Mumbai.

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Durgesh wasn’t allowed to withdraw money from the local branch of the bank. After, submitting the required identity proofs, account details and convincing the manager about the genuine need, an alternative was suggested by the branch manager. Many people who are stuck in such situations may have to rework their approach while dealing with a non-home branch.

What are home and non-home branches?

The home branch is the branch where the customer’s account is maintained. For instance, in Durgesh’s parent’s case, the home branch is in particular suburb of Mumbai.

The same bank’s other branches are called non-home branches. Non-home branch facilities are extended by banks within the same city at different locations as well as in other cities of India.

I have moved to another city. What are the banking transactions possible at non-home branches?

With the advent of the core banking system and technology, banks have enabled almost all transactions for customers across home and non-home branches. For instance, if you have an account with Kotak Mahindra Bank, common transactions such as cash deposits or withdrawals, applying for demand drafts, passbook updation or seeking loan statements etc. can be done at any Kotak Mahindra Bank branch irrespective of whether it is a home or non-home branch. There is no difference in procedure for availing these services.

If you are an RBL Bank customer and know-your customer (KYC) compliant, most of the common banking services can be availed just by signing up a request form at the non-home branch.

Do banks impose limit on cash withdrawal from non-home branches?

Yes, banks have imposed a limit on withdrawal from non-home branch. For instance, if you have a savings account with State Bank of India, you can withdraw up to Rs 50,000 a day at a non-home branch, using the withdrawal form accompanied with the passbook.

Are charges levied for banking transactions that are carried out at non-home branches?

Yes, the guidelines for charges may vary from bank to bank and type of accounts you hold with the bank. For instance, Kotak Mahindra Bank does not differentiate between home and non-home branches. But, for current account customers of Kotak Mahindra Bank, there are certain limits for cash transactions done at non-home branches based on the volume of transactions.

Can loan closure be done at a non-home branch?

Some banks allow loan closure from non-home branches. “While, it is advised that the documents collection process should be done from the home branch, on a case-to-case basis, there are provisions to get this done at a non-home branch location as well,” says Virat Diwanji, Group President of Retail Liabilities and Branch Banking, Kotak Mahindra Bank.

What are the non-permissible transactions at non-home branches?

In case you have an account with the SBI, then non-home branches do not issue duplicate fixed deposit receipts. Also, loan discharge through cash repayment or transfer of account is not permissible from a non-home branch. Moreover, you can’t extend investments in public provident fund (PPF) on completion of fifteen years through application at a non-home branch.

Locker facility transactions are also not allowed, obviously, as a locker it is held at a particular branch.

There are certain transactions that are very specific in nature such as a solvency certificate, which customers generally prefer to get at their home branch. However, there are provisions to get these done at non-home branches as well.


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