Revised service charges w.e.f. 16.03.2020 are Inclusive of GST : (Service charges will not be applicable to Staff/ retired staff of KCCB and Govt. accounts/ Semi government/ Board/ Corporations etc.)
Updated on 16.03.2020
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 1 | Outstation Cheque Collection | |
| i | Upto ₹10,000/- | ₹55/- |
| ii | ₹10,001/- to ₹1,00,000/- | ₹110/- |
| iii | Above ₹1,00,000/- | ₹165/- |
| iv | Collection of Local Cheques | Free |
| v | Collection of Cheques for the repayment of Term Loan installment | Free |
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 cheque 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 and Societies for PDS purpose are allowed at par, provided they have account with us. While making payments of DD(s) the BM are required to ensure due diligence w.r.t. Security features / aspects.
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 2 | Collection of Bills | |
| i | Upto ₹10,000/- | ₹118/- |
| ii | Above ₹10,000/- | ₹10/- per ₹1,000/- or part thereof, Minimum ₹125/- & Maximum ₹30,000/- |
Note: Actual Postage/Out of pocket Expenses will be charged extra.
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 3 | Returning Charges/Handling Charges for Cheques / Bills return unpaid | |
| i | Local Cheques / Bills | ₹175/- per cheque for SB accounts. |
| ii | Local Cheques / Bills | ₹260/- per cheque for other than SB accounts. |
| iii | Outstation Cheques / Bills | ₹300/- 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.
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 4 | Closure of Accounts (within 1 year of its opening) |
|
| i | Saving Bank A/c with Cheque Book | ₹150/- |
| ii | Saving Bank A/c without Cheque Book | ₹100/- |
| iii | Current Accounts | ₹250/- |
| iv | RD Accounts | ₹100/- |
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 Account is transferred to another branch of the Bank,
b) Opening of another A/C in joint names &
c) Death of the A/C Holder.
d) Closure charges will not be applicable to BSBDA/ PMJDY/ No Frill/ Small accounts opened under Financial Inclusion.
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 5 | Penalty Charges on RD Accounts |
|
| i | Penalty Charges for depositing delayed installments in RD | ₹2/- + GST (per ₹100/- per month |
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 6 | Minimum Balance Criteria for Saving Bank Account | |
| i | SB A/c With Cheque Book | ₹2000/- |
| ii | SB A/c Without Cheque Book | ₹500/- |
| iii | With Cheque Book for Senior citizen | ₹100/- |
| iv | SB No Frill A/c | Nil |
| v | SB Govt A/c | Nil |
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 7 | Minimum Balance Criteria for Current Account | |
| i | Individual | ₹5,000/- |
| ii | Others | ₹5,000/- |
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 8 | Penal Charges where Minimum Balance as mentioned at Sr No 6 & 7 is not maintained | |
| i | SB A/c With Cheque Book | ₹50/- per half year |
| ii | SB A/c Without Cheque Book | ₹25/-per half year |
| iii | Current A/c Individual | ₹100/-per half year |
| iv | Current A/c Others | ₹150/-per half year |
Note: In case the balance is less than the amount of charges to be levied, entire available amount in the account would be deducted and balance amount would be deducted as and when amount is deposited in the account. However, it may be ensured that outstanding balance in the account does not become negative. Minimum Balance Charges will not apply to Society, Staff A/C & Govt. Accounts, BSBDA, No Frill, PMJDY accounts.
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 9 | Cheque Book Charges for SB/Current Accounts | |
| i | Saving Bank A/c | 40 Cheque leaves free per year, thereafter ₹2/- for additional leaf. |
| ii | Current A/c | 60 Cheque leaves free per year, thereafter ₹3/- for additional leaf. |
| iii | Issuance of KCC Cheque Book | Nil |
Note: There shall be no charges for issuing of cheque books against Govt. Accounts/ Boards & Corporation/ Federations/ Societies.
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 10 | Charges for issuing Demand Draft on HDFC, Axis Bank, ICICI Bank, Branches of the Bank, Apex Bank, JCCB and Cash Order | |
| i | For All DDs/Cash orders irrespective of amount | ₹3/-per thousand or part thereof Min ₹30/- & Max ₹12,500/- |
| ii | For students DD up to Rs. 1000/- (Charges to be adjusted manually) | ₹20/- |
| iii | For students – admission fees , examination fees from ₹1,001/- upto ₹5,000/-(Charges to be adjusted manually) | ₹30/- |
| iv | For students DD Above ₹5,000/- | ₹3/- per thousand or part thereof Min ₹30/- & Max ₹12,500/- |
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 issuing DD(s) BM is required to ensure due diligence w.r.t. Security features/ aspects.
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 11 | Issuance of Duplicate Demand Draft/Cash Order/Re-validation/Cancellation. | |
| i | For DDs/Cash Orders upto ₹50,000 | 10% of the DD amount( Rounded upto nearest Rupees) and Maximum ₹200/- only |
| ii | For DDs/Cash Orders above ₹50,000 | 10% of the DD amount( Rounded upto nearest Rupees) and Maximum ₹1,000/- only |
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 12 | Service Charges on Deposits/Standing Instructions | |
| i | Allowing operation through Power of Attorney/Mandate/Change of Authorized Signatories, Change of Name, Operating Instruction etc | ₹118/- |
| ii | From own Account to own Account | Nil |
| iii | From own Account to other Account | ₹60/- |
| iv | Stop Payment Charges | ₹118/- per instruction or maximum ₹500/- |
| 13 | Loss of Cheque Book SB/CA | ₹50/- per Cheque Leaf for SB and CA |
| 14 | Processing Charges | |
| i | SHG/NRLM SHG | Nil |
| ii | KCC upto ₹3.00 lac | Nil |
| iii | KCC above ₹3.00 lac | 0.60% of the sanctioned amount subject to maximum of ₹50,000/- |
| vi | Processing Charges for Term Loan above ₹1.00 Crore other than HBA | 0.60% of the sanctioned amount subject to minimum of ₹500/- and maximun of ₹50,000/- |
| v | Loan against NSC/KVP/LIC | ₹120/- |
| 15 | Processing Charges for Term loans | |
| i | Processing Charges for Term loans above ₹1 Crore upto ₹7.5 Crore other than Govt. | 0.50% subject to minimum ₹50,000/- and maximum ₹3,00,000/- |
| ii | Processing Charges for Term loans above ₹7.5 Crore other than Govt. | 0.30% subject to minimum ₹3,00,000/- |
| 16 | Processing Charges for Cash Credit Limits | |
| i | Processing Charges for New Cash Credit Limits | 0.60% of the sanctioned amount subject to minimum of ₹500/- and maximum ₹50,000/- |
| ii | Processing Charges for Renewal of Cash Credit Limit KCC Limit | 0.30% of the sanctioned amount subject to minimum of ₹500/- and maximum ₹50,000/- |
| 17 | Processing Charges for HBA | 0.50% of the sanctioned amount subject to minimum of ₹500/- & maximum of ₹15,000/- |
Note: No Service Charges will be levied on LAFD and SLI against deposit accounts
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 18 | Credit Information Com.(CIC) Charges | ₹150 |
| 19 | Issuance of duplicate FDR/ LTDR (Charges manually) | ₹50/- |
| 20 | Safe Custody Charges | |
| i | Scrips (For Each Scrip) | ₹200/- Per scrip per annum |
| ii | Sealed Cover Boxes measuring not more than 20 cm * 10 cm. | ₹1800/-per annum |
Note: This Service is not provided to General Public
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 21 | Postal Charges | |
| i | Ordinary post | ₹15/- |
| ii | Courrier / Regd post | ₹35/- |
Note: These Postal Charges vide Sr. No. 21 will be levied where Bank actually incures the expenditure and are to be charged manually
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 22 | Safe Deposit Lockers Charges | |
| i | Small | ₹800/-per annum or part thereof |
| ii | Medium | ₹1,200/-per annum or part thereof |
| iii | Large | ₹2,500/-per annum or part thereof |
| iv | Extra Large | ₹4,500/-per annum or part thereof |
Note: For existing employees/ retired member of the staff, 50% of locker charges are applicable. Branches should ensure that rent is recovered in advance for each F.Y. If the locker is hired in the middle of the year, the locker charges shall be obtained in advance proportionately for remaining months (including charges for the full month in which the locker is hired) till the end of current financial year.
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 23 | Penalties for Locker Rent in Default | |
| i | Small | ₹50/- per month or part thereof |
| ii | Medium | ₹75/- per month or part thereof |
| iii | Large | ₹100/- per month & part thereof |
| iv | Extra Large | ₹120/- per month & part thereof |
| 24 | RTGS Transactions Charges | |
| i | ₹2.00 Lac to ₹5.00 lac | ₹28/- per transaction |
| ii | Above ₹5.00 Lac | ₹57/- per transaction |
| 25 | Service Charges for NEFT | |
| i | Upto ₹10,000/- | ₹2.50/- per transaction |
| ii | Above ₹10001/- to upto ₹1,00,000/- | ₹5.00/- per transaction |
| iii | Above ₹1,00,000/- to upto ₹2,00,000/- | Rs 15.00/- per transaction |
| iv | Above ₹2,00,000/- | ₹25.00/- per transaction |
| 26 | Bank Guarantee Charges(Manually) | 1% of the Guarantee amount should be collected for the entire Bank Guarantee period including claim period in advance at the time of issuing bank Guarantee. |
| 27 | Security for Bank Guarantee | 25% Liquid security and rest 75% Collateral |
| 28 | Cash Deposit Transaction: Saving Bank(Excluding Financial Inclusion Account) | |
| i | Cash Deposit at Home Branch | 5 transactions are Free |
| ii | Beyond 5 transactions in a month(Excluding Alternate Channel Transaction) | ₹50/- per transaction |
| iii | Deposit of cash at Non Home Branch to Account | Free upto ₹20,000/- and for ₹20,001/- to ₹49,000/-(maximum) per day per account @₹50/- |
| 29 | Transfer of fund from one branch to another branch | From home branch to non home branch free upto ₹2,00,000/- and above ₹2 Lacs to ₹5 Lacs ₹50/- per day per account. |
| Above ₹5 Lacs @ 0.005% subject to minimum ₹50/- per day per account. | ||
| 30 | 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.
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 31 | Pass book updation at non home branch | No charges |
| 32 | Transaction Charges | Credit Transaction – cash /transfer – in RD ,Transfer of TDR Interest, Term Loan/CC Limit from other than home branch is free of cost irrespective of amount. |
| 33 | Interest Certificate (To be charged manually by the BM) | First Copy Free. Extra Copy ₹50/-per certificate |
| 34 | Duplicate Pass book/Statement | With latest balance ₹60/- ₹1/-per entry for previous entries |
| 35 | Issuance of Statement of Account for all type of accounts | First Copy Free. Thereafter for additional copy ₹1/- per entry – Min ₹60/- |
| 36 | Issue of No Due certificate. (To be charged manually by the BM) | ₹50/- per certificate (Except KCC, SHG and Govt Sponsored Schemes) |
| 37 | Charges for Rupay ATM cum Debit Card/Rupay KCC Card(in case of issuance of ATM) | |
| i | Charges for issue of Fresh/First Rupay Card(including replacement of Maestro Card) | Nil |
| ii | Charges for issue of Duplicate Rupay Card | ₹150/- |
| iii | Repin of Rupay Card | ₹50/- |
| iv | In case of misprint of Pin Mailer | ₹50/-(for every successive Repin request) |
| v | ATM Card/PIN/Kit returned by post due to wrong address | ₹100/- |
| 38 | Charges for Internet Banking | |
| i | Login Password | ₹25/-(inclusive of Registered Postage Charges) |
| ii | Transaction Password | ₹25/-(inclusive of Registered Postage Charges) |
| 39 | Annual Charges for Rupay ATM cum Debit Card | |
| i | Rupay ATM cum Debit Card | ₹100/- |
Note : Calendar year means the completion of one year from the date of activation of Rupay Card. Date of activation is date of linking the card online.
| Sr. No. | Service | Charges for the Customers |
|---|---|---|
| 40 | SMS Alert Charges | |
| i | SMS Alert Charges for SB/CA/KCC Accounts with ATM facilities | ₹15/- per quarter* |
| ii | SMS Alert Charges for other Accounts without ATM facilities(where the customer has opted for SMS Alert in the account) | ₹15/- per quarter* |
| 41 | Transactions Charges for Rupay ATM cum Debit Card/Rupay KCC Card(In case of KCCB ATM card used at other Banks ATM Machine | Note : Five transactions are free in Non Metro Cities and Three transactions are free Metro Cities |
| i | Transactions charges for every subsequent transaction thereafter (Financial Transactions) | Transactions charges for every subsequent transaction thereafter (Non Financial Transactions) |
| ₹20/- | ₹5/- | |
| 42 | Transactions Charges for Rupay ATM cum Debit Card/Rupay KCC Card (In case of KCCB ATM card used at KCCB ATM Machine) | |
| i | Free Financial Transactions | 5 |
| ii | Free Non Financial Transactions | Unlimited |
| iii | Rupay ATM cum Debit Card | Charges for Successive transaction ₹6/- |
| iv | Rupay KCC | Nil |
