Whic Bank offers lowest bank charges for DD?

All Public Sector Banks have learnt to make money on these fee based services as well. Try approaching low end banks among nationalised ones for least charges. Additionally, these charges are at times are less for account holders than non-account holders. Find out about this also in your vicinity and act accordingly. At times cheaper banks may be a little away and approaching them may cost by way of transportation, parking, time etc. If you add these costs, they actually becomes costlier. Banks also keep revising their charges to encourage or discourage indirectly a particular kind of service or make earnings by such services depending its demand.