A Debit card is a plastic card which provides an alternative payment method to cash when making purchases. Its functionality is more similar to writing a cheque as the funds are withdrawn directly from either the bank account (often referred to as a cheque card), or from the remaining balance on the card. The use of debit cards has become wide-spread in many countries and has overtaken the cheque, and in some instances cash transactions by volume.

Samriddhi Finance Company  Limited offers a SCT UPI debit cards to suit your different transactional needs. These cards offer you convenience for your financial transactions like cash withdrawal, shopping and travel. These cards are widely accepted almost all ATM's of various banks here in Nepal as well as in India(UPI). The SFCL Debit Card allows customers to access their bank account around the clock.This very Debit card is not only meant for ATMs.The customer can pay through Debit card as well while gone for shopping.

Features offered by SCT UPI debit card:

  1. Cash withdrawal (India through SCT-UPI Debit cards Domestic )
  2. Balance Enquiry
  3. PIN change
  4. Make utility payment through SCT moco.
  5. 4 years validity
  6. 24 hours 365 days banking
  7. EMV chip based card highly secured
  8. Can pay easily in different restaurents, hotels, shopping malls, hospitals etc through POS

Transaction Limit :

ATM :

S.N.

Particular

In Nepal (NPR)

In India (INR)

1.

Cash withdrawal limit per day

100000

15000

2.

Minimum cash withdrawal per transaction

500

500

3.

Maximum cash withdrawal per transaction

16000

10000

4.

Total number of transaction per day

10

5

5.

Cash withdrawal limit per month

400000

100000

 

POS:

S.N.

Particular

In Nepal (NPR)

In India (INR)

1.

Per day transaction limit

75000

100000

2.

Per month transaction limit

2250000

500000

3.

Total number of transaction per day

12

10

4.

Total number of transaction per month

360

300

 

Charges per financial transaction:

S.N.

Network

Amount

1.

First 2 Transactions per Month

FREE

2.

Other ATM Terminals

Rs 25.00

3.

In India

Rs 250.00

 

 

Charges per non-financial transaction:

S.N.

Network

Amount

1.

SCT Network

Rs 5.00

2.

NEPS and UPI Network

Rs 15.00

3.

In India

Rs 60.00

 

LIST OF INDIA BANKS AND POS WHERE ICFC CARD IS ACCEPTED

Sr. no

Name of the Bank

No. of ATMs

1

ICICI Bank

14,367

2

Union Bank Of India

7,018

3

Indian Bank

3,397

4

Punjab National Bank

8,554

5

IDBI Bank

3,779

6

Ratnakar Bank Ltd

388

7

Bank Of Maharashtra

1,864

8

City Union Bank

1,621

9

Syndicate Bank

3,907

10

Federal Bank

1,927

11

South Indian Bank

1,379

12

Development Credit Bank

533

13

Allahabad Bank

1,105

14

UCO Bank

2,769

15

United Bank of India

2,244

16

Punjab & Maharashtra Co-op Bank

301

17

Axis Bank

16,077

18

Canara Bank

9,425

19

Cosmos Bank

138

20

Lakshmi Vilas Bank

1,020

21

NKGSB Co-operative Bank

107

22

The Greater Bombay Co-operative Bank

22

23

Saraswat Co-op Bank

278

24

Abhyudaya Co-operative Bank

114

25

The Bharat Co-operative Bank ltd.

108

26

Shamrao Vithal Bank

213

27

Oriental Bank of Commerce

2,630

28

Gopinath Patil Parsik Janata Sahakari Bank Ltd

96

29

Vijay Bank

2,155

30

BTI Payments (WLAO)

3,657

31

Hitachi Payments Pvt Ltd. (WLAO)

776

32

Muthoot Finance Ltd (WLAO)

190

33

SREI Infrastructure Finance Ltd. (WLAO)

-

34

AGS Transact Technologies Ltd. (WLAO)

199

35

Karnataka Bank

1,436

36

Dhanalakshmi Bank

346

37

Mahanagar Co-operative Bank

44

38

Kalyan Janata Sahakari Bank

44

39

The Gujarat State Co-op Bank Ltd

23

40

JanaKalyan Sahakari Bank

23

41

Dena Bank

1,685

42

Andhra Bank

4,009

43

Yes Bank

1,362

44

Karur Vysya Bank

2,328

45

HDFC Bank

12,773

46

Tata Communications Payment Solutions Ltd (WLAO)

8,446

47

State Bank Of India

59,058

48

Indian Overseas Bank

3,552

49

Bank of India

7,919

50

Bank of Baroda

9,704

51

Mumbai District Central CO-OP Bank Ltd.

29

52

Thane Bharat Sahakari Bank Ltd

23

53

The A.P. Mahesh Co-operative Urban Bank Ltd

16

54

Punjab & Sindh Bank

1,238

55

Tamilnaad Mercantile Bank

1,216

Total

2,07,632

 

 

 

Sr. No.

Acquiring Banks

POS Term

1

ICICI Merchant Services (IMS)

2,50,000

2

Axis Bank

2,39,905

3

HDFC Bank

27,900

4

State Bank of India (SBI) – Worldline

1,05,217

5

State Bank of India (SBI) – Hitachi

45,000

6

Corporation Bank

1,08,548

7

Union Bank of India

18,239

8

Punjab National Bank (PNB)

17,092

9

YES Bank

6,842

10

Union Bank

18,239