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Service Charges


SERVICE CHARGES AS APPLICABLE W.E.F 23.12.2016 (Excluding Bank Staff – Including Retired Members of Staff & Govt.Accounts)
All Service Charges are inclusive of Service Tax and Education Cess
Serial No. Service Charges for the Customers
1   Outstation Cheque Collection
i Upto Rs. 10000/- Rs.55/-
ii Rs10001/- to Rs. 100000/- Rs.110/-
iii Above Rs.100000/- Rs.165/-
Note: The above charges will be all inclusive. No additional charges such as Courier Charges,Out of pocket Expenses should be collected from the customer.The outstation cheques collected through another bank - Commission on 50:50 basis, i.e. Remitting bank to charge 50% & collecting bank to charge 50% of the applicable rate.The collection of instruments of Govt, Welfare services, charitable and religious institutions,defence personnel in active services, Societies for PDS purpose are allowed at par, provided they have account's with us. While making payments of DD(s) the BM are required to ensure due diligence w.r.t security features / aspects.
2 Collection of Bills
i Upto Rs. 10000/- Rs.100/-
ii Above Rs. 10001/- Rs. 10/- per Rs. 1000/-or part thereof,Minimum Rs 125/- & Maximum Rs 30000/-
Note: Actual Postage/Out of pocket Expenses will be charged extra.
3 Handling Charges for Cheques / Bills return unpaid

Local Cheques / Bills Rs 75/- per cheque for SB accounts.


Rs 100/- per cheque for other than SB accounts.

Outstation Cheques/Bills Rs 150/- for all the accounts.
Note : The above charges are to be realized under intimation to the party on a/c of insufficient fund. Postage to be realized extra.
4 CLOSURE OF ACCOUNTS
i Saving Bank a/c with cheque Book Rs 150/-
ii Saving Bank a/c without cheque Book Rs 100/-
iii Current Accounts Rs 250/-
5 Closure of R.D. Account Nil
Note : The Service Charges are to be levied if the A/c is closed within one year of opening, except the following cases : a. Where Accont is transfered to another branch of the Bank. b. Opening of another A/c in joint names & c. Death of the A/c holder.
6 Minimum Balance Criteria for Saving Bank Account
i SB A/c With Cheque Book Rs2000/-
ii SB A/c Without Cheque Book Rs 500/-
iii With Cheque Book for Senior citizen Rs100/-
iv SB No Frill A/c Nil
v SB Govt A/c Nil

Note: Minimum Balance charges will not apply to Member Society, Staff a/c & Govt Accounts.
7 Minimum Balance Criteria for Current Account
i Individual Rs 5000/-
ii Others Rs 5000/-

Note: Minimum Balance charges will not apply to Member Society, Staff a/c & Govt Accounts.
8 Penal Charges where Minimum Balance as mentioned at Sr No 6 & 7 is not maintained
i SB A/c With Cheque Book Rs 50/- per half year
ii SB A/c Without Cheque Book Rs 25/-per half year
iii Current A/c Individual Rs 100/-per half year
iv Current A/c Others Rs 150/-per half year

Note: Minimum Balance charges will not apply to Member Society, Staff & Govt Accounts.
9 CHEQUE BOOK CHARGES FOR SB/CURRENT Accounts
i Saving Bank a/c 40 cheque leaves free per year, therafter Rs. 2/- for additional leaf.
ii Current A/c 60 cheque leaves free per year, therafter Rs. 3/- for additional leaf.
10 Charges for Issuing Demand Draft on HDFC, Axis Bank, ICICI BANK & Branches of the Bank , Apex Bank , JCCB & Cash Orders
i For All DDs/Cash orders irrespective of amount Rs. 3/-per thousand  or part thereof Min Rs. 30/- & Max Rs. 12500/-
ii For students DD up to Rs. 1000/- (Charges to be adjusted manually) Rs.20/-
iii For students – admission fees , examination fees from Rs1001/- upto Rs 5000/-(Charges to be adjusted manually) Rs30/-
iv For students DD Above Rs 5000/- Rs. 3/-per thousand  or part thereof Min Rs. 30/- & Max Rs. 12500/-
Note : The issuance of drafts of educational Loan, Welfare services,Govt,PM/CM Relief Fund, charitable and religious institution,defence personnel in active services, Societies for PDS purpose are allowed at par, provided they have account with us. While issueing DD(s) the BM is required to ensure due diligence w.r.t security features / aspects.
11 Issuance of Duplicate Demand Draft/Cash Order/Revalidation/Cancellation.
i Issuance of Duplicate draft/Cash Order/Revalidation/Cancellation. 10% of the DD amount( Rounded upto nearest Rupees) Maximum Rs 100/- only
12 Stop Payment Instructions Rs. 50/- Per Instrument
13 Loss of cheque Book SB / CA Rs50/-per cheque leaf for SB & CA
14 Processing Charges for Term loans upto Rs 1.00 Crore other than HBA 0.5% of the sanctioned amount subject to minimum of Rs 500/-and maximum Rs 50000/-
15 (i) Processing Charges for Term loans above Rs One Crore upto 7.5 Crore other than Govt. 0.40% subject to minimum Rs 50000/- and maximum Rs300000/-
ii Processing Charges for Term loans above Rs 7.5 Crore other than Govt. 0.25% subject to minimum Rs 300000/-
16 Processing Charges for New Cash credit Limits 0.50% of the sanctioned amount subject to minimum of Rs 500/- and maximum Rs 50000/-
17 Processing Charges for Renewal of Cash credit Limits 0.25% of the sanctioned amount subject to minimum of Rs 500/- & maximum of Rs 25000/-
18(i) Processing charges for HBA 0.50 % of the sanctioned amount subject to minimum of Rs 500/- & maximum of Rs 15000/-
18 (ii) Fees to be charged from borrower by the Nodal Branch for equitable martgage in case of House loan (Charges manually) Rs. 500/- per deed

NOTE: No service charges will be levied on LAFD & Secured Loan accounts.
19 Issue  of duplicate FDR/ LTD (Charges manually) Rs.50/-
20 Safe Custody  Charges
i Scrips ( For Each Scrip) Rs. 150/- Per scrip per annum
ii Sealed Cover Boxes meausuring not more than 20 cm x 10 cm. Rs. 1500/-per annum
iii Banks own deposit No charges
21 Postal Charges
i Ordinary post Rs. 15/-
ii Courrier / Regd post Rs. 35/-

NOTE: These postal charges vide Sr No 21 will be levied where Bank actually incurres the expenditure & are to be charged manually.
22 Safe Deposit Lockers Charges
i Small Rs. 600/-per annum or part thereof
ii Medium Rs. 900/-per annum or part thereof
iii LARGE Rs.2000/-per annum or part thereof
iv EXTRA LARGE Rs 4000/-per annum or part thereof
23 Penalties for Locker Rent in Default
i SMALL Rs.20/- per month or part thereof
ii MEDIUM Rs.40/- per month or part thereof
iii LARGE Rs.60/- per month & part thereof
iv EXTRA LARGE Rs.120/- per month & part thereof
24
RTGS Transactions (wef 02.10.2016)

* Rs.2 to Rs.5 lac
Rs.31/- per transaction


*Above Rs.5 lac

Rs.60/- per transaction
25 Service charges for NEFT

Up to Rs. 10000/- Rs. 2.50 per transaction
i Upto Rs.1 lac Rs.5/- per transaction
ii Above Rs. 1 lac to Rs. 2 lac Rs. 15/- per transaction
iii Above Rs.2 lac Rs.25/- per transaction
26 Issue of KCC Nil
27 Bank Guarantee Charges(Charges manually) 1% of the Guarnteed amount
28 Security for Bank Guarantee 25% liquid security and rest 75% Collateral
29 Deposit of cash at Non home branch to a/c Free upto Rs 20000/- and for Rs 20001/- to Rs 49000/- (maximum) per day per a/c @ Rs 6/-
30 (i) Transfer of fund from one branch to another branch From home branch to non home branch free upto Rs 200000/- and above Rs Two lacs to Rs Five lacs Rs30/- per day per account.
(ii)
Above Rs Five lacs @ 0.005% subject to minmum Rs30/- per day per account.
31 Clearing Charges (Anywhere Banking Facility) Free of Cost

Note : Before allowing this facility at Sr No 31 the BMs are required to ensure complaince to KYC norms & security aspects strictly.
32 Pass book updation at non home branch No charges
33 Transaction Charges Credit Transaction - cash /transfer - in RTD ,Transfer of TDR Interest ,Term loan / CClimit from other than home branch is free of cost irrespective of amount.
34 Interest Certificate (To be charged manually by the BM) First Copy Free. Extra Copy Rs. 50/-per certificate
35 Duplicate Pass book/ Statement. With latest balance Rs. 50/-. Rs. 1/-per entry for previous entries
36 Issuance of Statement of A/c. Once Free. Thereafter Re1/- per entry – Min Rs 50/- per request
37
Issue of No Due certificate. (To be charged manually by the BM) Rs. 40/- per certificate (Except KCC & Govt Sponsored Schemes)

      38      Charges for Rupay ATMcum Debit card/ Rupay KCC card (in case of issuance of ATM) 

Category

Frequency of charges
Mode(Manually by branch/through system)
Charges
Charges for issue of fresh/
First Rupay Cardincluding  
replacemnet of Maestro Card


Nil
    
Charges for issue of Duplicate Rupay Card
At the time of issuance by the branch
Manually by the Branch
Rs.100/-

Re pin of Rupay card
At the time of issuance ofn duplicate pin by the branch Manually by the Branch
Rs.25/-
In case of misprint of Pin Mailer 
Free of cost for the first time ony
Manually by the Branch Rs.25/-(for every successive re-pin required)
      39      Charges for Internet Banking
Category Frequency of charges Mode(Manually by branch/through system) Charges

Login Password
At the time of issuance by the branch Manually by the Branch
Rs.25/-(inclusive registered postage charges)

Transaction Password
At the time of issuance by the branch Manually by the Branch
Rs.25/-(inclusive registered postage charges)


General Manager