What Is Ledger Folio Charges?

Are you curious to know what is ledger folio charges? You have come to the right place as I am going to tell you everything about ledger folio charges in a very simple explanation. Without further discussion let’s begin to know what is ledger folio charges?

In the realm of banking services, various charges and fees are associated with different transactions and account management activities. One such fee that customers may encounter is ledger folio charges. In this blog post, we will explore what ledger folio charges are, why they are applied, and how they impact banking customers.

What Is Ledger Folio Charges?

Ledger folio charges, also known as account maintenance charges or account statement charges, are fees levied by banks for maintaining and providing periodic statements of transactions and account balances to their customers. These charges are typically associated with savings accounts, current accounts, and other types of bank accounts.

Purpose Of Ledger Folio Charges

The primary purpose of ledger folio charges is to cover the administrative costs incurred by banks in maintaining customer accounts, generating account statements, and providing essential information about transactions and balances. Banks invest resources in ensuring accurate and timely record-keeping, statement generation, and data security, and these charges help offset those costs.

Components Of Ledger Folio Charges

  1. Account Maintenance: Ledger folio charges contribute to the maintenance of customer accounts. This includes activities such as updating account information, processing transactions, and ensuring compliance with regulatory requirements.
  2. Statement Generation: Banks incur costs in generating periodic account statements, including printing, postage, and delivery. Ledger folio charges help recover these expenses associated with preparing and dispatching statements to customers.
  3. Data Security and Privacy: Banks invest in robust security measures to protect customer data and ensure the privacy of account information. Ledger folio charges contribute to maintaining a secure banking environment and safeguarding customer records.

Calculation And Applicability Of Ledger Folio Charges

Ledger folio charges can vary across banks and account types. They are typically calculated based on the number of transactions or folios (pages) included in the account statement. The charges may be levied on a monthly, quarterly, or annual basis, depending on the bank’s policies.

The exact amount of ledger folio charges and the frequency of their application may vary depending on the customer’s account balance, account type, relationship with the bank, and the specific terms and conditions of the banking institution.

Mitigating Ledger Folio Charges

While ledger folio charges are a standard part of banking services, customers can take certain measures to minimize or mitigate these fees:

  1. Opt for Electronic Statements: Many banks offer the option of electronic statements, also known as e-statements or online statements, which are provided through internet banking or mobile banking platforms. Opting for electronic statements instead of physical ones can often reduce or eliminate ledger folio charges.
  2. Maintain Optimal Account Balance: Some banks offer waivers or reduced charges on account maintenance fees if customers maintain a minimum account balance. Ensure you understand the balance requirements of your account and strive to keep it above the specified threshold to avoid or reduce ledger folio charges.
  3. Evaluate Account Types and Banks: Different banks may have varying fee structures and policies. Consider exploring different account types or banking institutions to find options that offer favorable terms and conditions, including lower or waived ledger folio charges.


Ledger folio charges are fees imposed by banks for maintaining and providing regular account statements to customers. These charges contribute to the administrative and operational costs associated with managing customer accounts and ensuring accurate record-keeping. By understanding the purpose and applicability of ledger folio charges, customers can make informed decisions about their banking relationships and take steps to minimize these fees through options like electronic statements and maintaining optimal account balances.


How Are Ledger Folio Charges Calculated?

Folio Charges 2. a) Current Account i) Ledger folio charges @ Rs. 75/- per page to be charged on quarterly basis. b) Saving Bank Account For a/cs maintained on computers, 25 entries or part thereof to be treated as one ledger page.

What Is The Meaning Of Ledger Folio?

Ledger Folio refers to the page number of the ledger account on which the relevant account appears.

What Is Ledger Folio Charges In Pnb?

For accounts maintained in computer, 40 entries or part thereof is treated as one ledger folio. Rs. 5/-per debits in excess of 6 debits permitted in a month. Execution of Standing Instruction / remittance to other institutions viz.LIC premium etc.

How Much Is Ledger Fee Per Transaction?

‘Ledger fees’ is the general name, but it could come under other generic names. It is charged to an account on a monthly basis. For example, if you put sh10,000 in an account and not touch it again for a whole year, when you go back, you will find sh10,000 less sh150 x 12, or whatever fee that bank is charging monthly.


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