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S E R V I C E   C H A R G E S   S C H E D U L E

HOME

Sr. No.

Subject matter

Particulars

 

Rates w.e.f. 01-08-2011

(Exclusive of service –tax)

In Rupees

S E C T I O N – I

 

Folio Charges & Other Charges for

Misc. Services

 

1.

 

 

 

 

 

 

 

 

Ledger folio charges

(Per half year)

 

 

 

 

 

 

 

 

 

 

Applicable to Current Accounts-------

Free folio allowed based on average credit balance: -

Av. Cr. Bal.                       No. of free folio/s per annum

Rs.                                                   Proposed

Upto 25000/-                                         Nil

25001/-     to  50000/-                            2

50001/-     to  100000/-                          4

100001/-   to  200000/-                          8

Above  200000/-                                 All free

 

For Cash Credit & Over Draft (excluding against term deposits) A/Cs ----                                           Nil

[Charges per folio subject to minimum Rs.250/- & maximum Rs.2000/-]

 

-NO-FRILLS A/Cs- Charges- NIL

 

For accounts maintained on computers 30 entries or part thereof be treated as one ledger page.  

[This clause is applicable in all the cases.]

 

Applicable to Savings Bank Accounts

Only 100 debits per half year (other than service charges & debits on account of transfer to R/D, NPP ) are allowed and in case it exceeds 100 debits -------

75/-  per

folio

 

 

 

 

 

 

 

 

100/- per folio

 

 

 

 

 

 

 

 

 

 

 

20/- per

debit entry 

2.

Duplicate Pass Book/

 Statement

Individual:

Issuance of duplicate pass book/statement with latest balance only ------

In case of CA / CC / OD --------------

          

In case of SB / RD / NPP --------------

For previous entries (if required) ---- per ledger folio or part thereof

In case of CA / CC / OD --------------

In case of SB / RD / NPP --------------

No Frill A/c 

Non Individual:

Issuance of duplicate pass book/statement with latest balance only

In case of CA/CC/OD-----------------

 

In case of SB/RD/NPP----------------

For previous entries(if required)------per ledger folio or part thereof

In case of CA/CC/OD---------------

In case of SB/RD/NPP--------------

 

 

 

 

50/-

 

30/-

 

 

50/-

30/-

NIL 

 

 

 

75/-

 

50/-

 

 

75/-

50/-

3.

 

 

Duplicate TDR (in case of lost one)

Issuance of duplicate TDR in case of lost one --

100/-  per receipt

4.

Call Deposit

Issuance of Call Deposit Receipt ----------

100/- per receipt

5.

Cheque Book

MICR / NON MICR

 

 

 

 

i) Savings Bank: -

   Without any charges for –6- months or part thereof

  

    Subsequent cheque book/s ------------

 

ii) CA / CC / OD: -

 

    First cheque book containing 50 leaves -----------

         

     

Subsequent cheque book/s ---------------

 

·     Issuance of more than one cheque book – discretion of the Branch Manager on the basis of business relationship with the party.

·     Issuance of cheque book for giving post-dated cheques – should be discouraged.

·     Valued customer – cheque book charges can be waived (subject to cost analysis) by the Branch Manager. The justification thereof should be recorded properly in a separate register.    

 

 

20 leaves

 

2/- per leaf

 

 

 

Free

 

 

2/- per leaf

  

6.

Minimum balance for opening different accounts

i)    Current Account: -   (Minimum opening amount)

                   Rural  Semi urban  Urban   Metro

 

Personal        500/-   1000/-      3000/-  4000/-Accounts                              

 

Other           1000/-  2000/-      4000/-  6000/-

Accounts

 

ii)  Savings Bank Account: -

          

With             300/-   500/-       750/-    1000/-

cheque book

 

Without         200/-  300/-       400/-     500/-

cheque book

 

Pensioners     100/-  100/-       100/-     100/-

 

 

7.

 

 

 

 

Minimum balance charges

 

 

Charges for not maintaining minimum balance ( per month )

 

 i) Current Account --------

ii) Savings Bank --------- 


NOTE: - Charges are to be recovered under intimation to a/c holder.

 

 

 

 

150/-

50/-

 

 

8.

 

Addition / deletion of names in joint accounts / Nominations / Change in operational instructions in lockers/

Accounts

In case of addition / deletion of names in joint accounts, extending nomination facility, subsequently after opening of A/c. change in operational instructions in any type of account or locker (per occasion) ------------                                     

 

 

 

 

 50/-

9.

Standing instructions.

Charges for carrying out standing instructions (per transaction) is to be levied to the account from which the amount is transferred: -

 

i) Within the same branch ----------

 

ii) Outside the branch - in same city / outstation-----

 

  

 

 

 

20/-

 

50/-

10. No balance for carrying out standing instructions. Charges, per occasion, where the standing instruction/s could not be carried out due to insufficient balance --------- 50/-

11.

Stop payment

 

Charges for carrying out stop payment instructions, per instrument: -            

i) Where complete information is available: -

 

   a] C/A, C/C & O/D -------

 

b)      b] Savings Bank --------

 

ii) In case of loss of complete blank cheque book: -

    [Maximum ceiling]

   a] C/A, C/C & O/D --------

 

   b] Savings Bank ---------

 

Branches to inform the account holder at the time of account opening and also while issuing cheque book so that the account holder keeps the cheque book in proper security and follows its safe keeping.

 

 

 

 

100/-

 

50/-

 

 

 

300/-

 

100/-  

12

Cheque returned unpaid

A) Charges for local cheques returned unpaid, per instrument: -

 

i) Cheque deposited  & returned unpaid (inward returning), Self drawn cheques & where returned more than two times --

             

ii) Cheques drawn on us (outward returning)

Financial reasons ----------

 

Other reasons ---------
 
Important: -

 

In case of C/C, O/D, D/L, T/L, ---- etc. in addition to usual    returning charges branch should recover interest @ Base Rate + 7.50% p.a. for the period for which bank remains out of funds and the amount of interest should be credited to the P/L account under head “Interest received on advances”.

 

iii) Charges for entries (debit) received through ECS and not responded / returned ---------

             

B) Charges for outstation cheques returned unpaid, per instrument -----

 

 

 

 

 

 

NOTES: -

i)       For transfer cheques received at branch, the charges to be recovered from drawer of the cheque.

ii)      No charges to be recovered in case of outward returning on account of stop payment instructions.

iii)     Where the frequency of cheque returning is high, the branch manager can double the said charges.

 

 

 

 

50/-

 

 

 

 

200/-

 

50/-

 

 

 

 

 

 

 

 

 

 

 

200/-

 

 

50% of collection charges subject to minimum of Rs.50/-

  

13.

 

 

 

 

 

 

 

 

 

 

 

 

Inoperative Accounts

 

 

 

 

 

 

 

 

 

 

 

A) Savings Bank Account: -

I- A/Cs maintaining minimum balance ------

 

II- A/Cs not maintaining minimum balance,

    incidental charges to be recovered under

    an advice to account holder ---------

 

III- The balance in the a/c is less than Rs.50/-, incidental charges to be recovered under an advice to account holder

 

B)  Current Account ---------

 

NOTE: - Branch to ensure that in no case overdraft is created in the account due to recovery of incidental charges in inoperative accounts. Branch should endeavor for making inoperative accounts into operative by follow up.

 

No charges

 

50/-per

half year

 

 

Entire

balance

 

 

100/- per

half year

 

14.

 

 

Issuance of certificates

Charges (per certificate) for issuance of balance certificate, interest certificate etc.

(i) for individuals----------

                                               

 (ii) for others -------------

 

 

30/-

 

50/-

15.

Premature closure of A/Cs (within a year)

Charges to be recovered at the time of premature (within a year) closing of a account: -

i) Ordinary SB A/c ----------

 

ii) Cheque operated SB A/C ---------

 

iii) Current Account ------------ i) Individual

                                           ii)Non Individual

 

iv)  R.D. A/C or similar type of a/c ----------

 

v)  Closure of a/c due to death of a/c holder -

 

NOTE: -

No charges if the account is being transferred to our bank’s Branch within the city / in another city (Accept out of pocket charges viz. Postage/Telephone/Fax etc.)

 

 

 

50/-

 

100/-

 

200/-

500/-

 

50/-

 

No charges 

16.

Issue of solvency certificate

Upto Rs.5 lacs -----------

 

 Above Rs.5 lacs -----------

 

(rates per lac & part thereof subject to maximum of Rs.15000/-)

 

NOTES: -

I)   For issuance of capacity certificate for obtaining VISA for educational purpose for students – 50% of the charges as mentioned above subject to maximum Rs.1500/-.

 

II)  For issuance of above certificate to staff members for educational loan of their children: -

500/-

 

100/- per

lac

 

 

 

 

 

 

 

 

 

No Charges 

17.

Special operational instructions

Allowing operations in an account through: -

i) Power of attorney – Current, Cash Credit & Overdraft A/Cs.

 

ii) Mandate – Savings Bank Accounts -------

 

500/- per

half year

 

100/- per

half year

18.

 

Change of signatories

 

Charges for change of authorized signatory including reconstitution of a Current and Overdraft account-----

500/- per change subject to maximum 1000/-

19.

Cash Counting Charges

For all denomination Bank notes :–

a)    a) Upto ten packets –

 

b)   b) Above ten packets : for every ten packets or part thereof –

 

 

No charges

 

Rs. 100/-  + Service Tax

 

 

 

SECTION –II

 

Advances, Guarantees, Bill Discounting & LC  

 

Rates w.e.f.

01-08-2011

(Exclusive of service –tax)

(In Rupees)

1.

 

Processing Charges

Processing charges (per annum) for all kind of advances, except Agricultural Advances, Govt. sponsored schemes & Staff Accounts, at the time of initial processing as well as at the time of each renewal/ adhoc sanction: -

 

In case of bank’s credit schemes, where charges to be levied have been mentioned specifically, are to be recovered accordingly.

 

A) For General Advances:                       

(i)     Upto Rs.25000/-    -------------                     

 

(ii)     Above Rs.25000/- & upto Rs.2 lacs --

 

(iii)    Above Rs.2 lacs & upto Rs.1 crore ----

 

 

 

 

 

(iv)    Above Rs.1 crore -----------

 

 

 

 

  

 

 

 

 

 

 

Nil

 

500/-

 

300/- per lac or part thereof

(min. Rs. 1000/-)

 

 

 

Rs 400/= per Lac  or part thereof

(Minimum Rs.40000/- & max. Rs.2 lac)

 

 

 

 

 B)  For Micro & Small Enterprises (MSME):

(i)      Upto Rs 2.00 lac

 

(ii)     Above Rs 2.00 lacs & upto Rs 1 Crore-

 

 

(iii)     Above Rs 1.00 Crore & upto Rs 5.00 Crore-

 

   

(iii)    Above Rs. 5.00 crore.

 

 

 

 

Processing charges for Adhoc facility:

 

If period is Upto 3 months- Ľ of applicable rates.

 

If period is beyond 3 months and Upto 6 months- ˝ of applicable rates.

 

If period is beyond 6 months- Full amount as per applicable rates.

 

LENDING SCHEMES

 

LOANS:

PART-A: Mortgage Loans:

1- Home Loan: For all House Loans

 

 

 

 

 

 

 

2- Take over of Home Loans:

 

 

 

 

3- Advance against Property including advances against Future rentals:

 

 

 

4- Overdraft(Fresh sanction/renewal):

 

 

 

 

PART-B: Business/Other Secured Loan:

1- Traders Loan(Loan/Overdraft):

 

 

 

 

2- Loan to Doctors(Naini Health Care):

 

 

 

 

 

 

 

 

 

 

 

3- Loan to Contractors (Naini Nirman):

 

 

 

 

 

 

 

 

PART-C: Clean/Other Loan:

1- Personal Loan(Naini Sahyog):

 

 

 

 

 

 

 

2- Car Loan /Two Wheeler Loan (Suhana Safar):

 

 

 

 

 

 

 

 

3- Education Loan:

 

 

 

Prepayment Charges:

(i) Prepaid fully or Partially from own sources- NIL

(ii)Other cases-Housing Loan: 2% prepayment charges on outstanding balance.

 

Charges for late payment of EMI:

Same charges i.e. 2% on unpaid EMI.

  

IMPORTANT: - 50% OF APPLICABLE PROCESSING CHARGES ARE TO BE DEPOSITED BY THE PARTY IN ADVANCE / BEFORE PROCESSING THE PROPOSAL.

 

NOTE:- 

1. No processing charges for staff member’s loan a/cs. 

 

2. No processing charges for loan / OD accounts against bank’s term deposits.

 

3. In Term Loan A/Cs processing charges are to be recovered one time only, not on subsequent renewals.

 

4. Loan against Govt. securities UTI/ MF/ NSCs/ KVPs etc. –

 

5.  Advances under consortium: - processing charges are to   recovered as per/ in line with consortium agreement/or equivalent to charges of Lead Bank...

 

6. If a proposal is reviewed after three (3) months from the due date for a further period of 12 months, processing charges are to be levied for 15 months. It should be ensured that in all cash credit/over draft accounts processing charges is recovered once in twelve months.

 

7. Charges are to be levied on sanctioned amount including takeover cases from other Banks/FIs.

 

 

NIL

 

0.25% min.

Rs 1000/=

 

Rs. 300/- per lac or part thereof

 

Rs. 400/- per lac or part thereof, Max Rs. 3.00lac

 

 

 

 

 

 

 

 

 

 

 

 

Processing Charges w.e.f 01-08-2011

 

0.50%(Minimum Rs.500/- & Max. Rs.10000/- plus service tax.

 

 

 

 

Nil (Only documentation charges to be recovered).

 

0.75% on sanctioned amount (No ceiling).

 

 

0.50% on sanctioned amount(No ceiling)

 

 

 

0.50% of the sanctioned limit(No ceiling)

 

 

0.25%     minimum Rs.750/- upto Rs.1.00 crore loan limit.

 

0.20% minimum Rs.25000/- above 1.00 crore.

 

 

 

 

0.50% in addition to documentation charges (No Ceiling).

 

 

 

 

 

 

1.00% in addition to documentation charges(Minimum Rs.1000/-)

 

 

 

 

0.50% in addition to documentation charges (Minimum Rs.500/- and Maximum Rs.10000/-).

 

 

 

No Processing charges.

 

 

 

NIL

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

flat   charges for one time - Rs.100/- .

2.

Guarantees Commission

(i) Performance guarantee---------

 

 

 

 

 

(ii) Other than performance guarantee-------

 

 

 

 

(iii) Commission on inland guarantees secured by 100% cash margin or term deposits-------

 

 

NOTES:-

(i) Refund for guarantee tendered for cancellation before the expiry date - an amount computed at half the original rate for the unexpired period of guarantees less -3- months, may be refunded as per rate charged originally (should be for a complete month).

(ii) Extended period of validity of guarantee due to restrain imposed by Court Orders at the instance of constituents from meeting their obligation to beneficiaries, when guarantees are invoked - additional commission at applicable rate be charged.

(iii) Remittances made by the Bank under guarantee, co-acceptance or similar obligations -commission/exchange as per usual rates.

(iv) No commission, from staff members, to be recovered when guarantee is issued for education of his/her dependent children.

(v) If the period of guarantee (including the claim period) is more than six months, commission should recovered on monthly basis.

(vi) If the period of guarantee is less than six months, and extension for -2- months is requested after -3- months, customer will have to pay commission for the period for which extension is being sought.   

0.25%p.m. with  minimum charges for -3- months

0.30%p.m. with  minimum charges for -3- months

 

25% of normal commission + Rs. 150/-

 

3.

Documentation charges

(Fund-based only)

In case of bank’s credit schemes, where charges to be levied have been mentioned specifically, are to be recovered accordingly.

 

Upto Rs.25000/- --------------

 

Above Rs.25000/- & Rs.2 lacs -------------

 

Above Rs.2 lacs & upto Rs.5 lacs ----------

 

Above Rs.5 lacs & upto Rs.20 lacs --------

 

Above Rs.20 lacs & upto Rs.50 lacs -------

 

Above Rs.50 lacs & upto Rs.2 crores ------

 

Above Rs. 2.00 crores -----------------

 

 

 

 

 

Nil

 

500/-

 

1000/-

 

3000/-

 

5000/-

 

8000/-

 

10000/-

 

 

 

NOTES:-

 

(i) Documentation charges are to be recovered in case of entire fund based limits including DPG, Usance LC.

(ii) Charges are to be recovered at the time of obtaining the set of documents, before disbursement.

(iii) No charges if no fresh / additional documents are obtained.

(iv) Review-cum-enhancement – for the entire amount of reviewed limits.

(v) Ad-hoc limits / Excess drawings – at the time of taking documents for ad-hoc limits.

(vi) Actual expenses incurred in registering charge with ROC to be recovered additionally.

(vii) Obtaining LAD – No documentation charges.

(viii) No documentation charges : -  Educational loans, LABOD/OD against bank’s own deposits & loans    against NSCs, KVPs, Govt. Securities, loan to staff  members and Pensioners.

(ix) Due to some reasons, if the documentation charges are debited to D/L /T/L account, the branch to ensure that the amount so debited is recovered immediately and credited to the said loan account.

 

 

4.

Inspection charges

Charges (per inspection) for carrying out inspection of securities charged to the Bank:-

Accounts with limits- 

 

a. Upto Rs.25000/- --------------

 

b. Above Rs.25000/- & Rs.2 lacs ----------

 

c. Above Rs.2 lacs & upto Rs.10 lacs ------

 

d. Above Rs.10 lacs & upto Rs.20 lacs ---

 

e. Above Rs.20 lacs & upto Rs.25 lacs ----

 

f. Above Rs.25 lacs & upto Rs.50 lacs ----

 

g. Above Rs.50 lacs & upto Rs.1 Crore----

 

h. Above Rs.1 Crore & upto Rs.5 crores ---

 

i. Above Rs. 5.00 crores -----------

 

 

 

 

NIL

 

400/-

 

500/-

 

750/-

 

750/-

 

1000/-

 

1500/-

 

2500/-

 

5000/-

   

NOTES:

 

(i) In additional to the above, actual conveyance and out of pocket expenses reimbursed to be recovered

(ii) In case of advance facility against Real Estate and Housing Loans the inspection charges are to be recovered once for all

(iii) In case of Loan accounts, other than commercial vehicles & machinery, inspection charges are to be recovered once for all

(iv) In case of Loans of Commercial Vehicles & Machinery, the inspection is to be carried out on half yearly intervals & charges to be recovered accordingly

(v) Inspection Charges are to be credited in the head of "Other Charges" of Profit & Loss account.

(vi) No Inspection Charges for Crop Loans

 

5.

Exchange & Commission

 

Bills Purchased / Discounted

 

Exchange / Commission on

 

OUTSTATION cheques / bills :-

 

i) For instruments drawn on our branches and no other banks where we have branches---------

 

 

ii) For instruments drawn on other banks where we do not have branch ---------

 

 

 

LOCAL cheques/bills:-

Bills purchased, where the cheque/bill is drwan on local bank and collectable through local clearing house / on presentation across the counter, exchange @ Rs. 3.50 per thousand subject to a minimum of Rs.50/- to be charged. 

 

NOTES:-

(i) The above noted exchange & commission covers interest for 10 days for (I) and 14 days for (II).

(ii) On cheques / bills returned unpaid, penal interest @ Base Rate + 7.50% p.a. from 11th/15th day of purchase as the case may be till date of actual reimbursement.

(iii) Overdue interest is also to be charged @ 2% p.a. on cheques / bills realized/returned unpaid from 11th/15th day as the case may be.

(iv) Out of pocket expenses (postage, telegram etc.) and collecting bank’s charges, if any, should be recovered in full.

(v) “Date of actual reimbursement”:-

a. Where a bill is sent to our branch, the date on which funds is actually received at the drawee center/branch.

b. Where bills are sent to other banks or where instruments are returned unpaid, the date of reversal of the B.P. entry at the purchasing branch.

 

  

 

 

 

 

 

@ Rs.9/- per thousand or part thereof

 

@ Rs.12.50

per thousand or part

thereof

 

 

6.

Payment against clearing/

uncleared effects

Where the branch allows payment against clearing / uncleared effects charges are to be recovered as under: -

 

(i) In case of C/C, O/D accounts, interest is to be recovered @ applicable to the concerned account for the period for which bank remains out of funds subject to minimum of Rs. 100/-per occasion.

 

(ii) In case of other accounts such as C/A interest is to be charged @ Base Rate  + 7.50% p.a.  for the period bank remains out of funds subject to minimum of Rs. 100/-per occasion.

 

 

7.

Inland Letter of Credit

(I) Usance charges according to the tenor of the bill:-

 

  (i) For bills upto -7- days sight

 

 

 

 

 (ii) Over -7- days & upto -3- months

 

 

 

 

 

(iii) Over -3- months sight -----------

 

 

 

 

 

 

 

(II) Commitment Charges:-

For the period of liability (i.e. date of opening of LC to the last date of its validity) - for each quarter or part thereof ---------------- 

 

(III) Extension of LC / Amendment of LC etc.:-

 

 

 

 

 

 

NOTES:-

a) An extension may be allowed free of commitment charges if such extension does not run into another block of -3- months.

 

b) If the LC amount and period of Usance is subsequently increased, both Usance & commitment charges should be recovered on the amount so increased with a minimum of Rs.200/-

 

c) For any amendment other than extension of validity or increase in amount, flat charges of Rs.200/- on each occasion.

 

d) Only 25% of the normal charges may be recovered if the LC is secured by 100% cash margin or term deposits.

 

e) In case of Revolving LC, the charges will be same. At the time of issuing reinstatement, commitment charges will be @ 0.25% on the reinstated amount only subject to minimum of Rs. 200/-.

 

f) Negotiation charges -

For bills upto Rs.2.50 lacs - 0.45%  subject to min. Rs.200/- and for bills over Rs. 2.50 lacs - 0.30% subject to min. Rs.1200/- + discount at applicable rate of interest from date of negotiation to date of reimbursement.

 

IMPORTANT:-

For further clarification/ guidance you may  refer to the nearest branch.            

 

0.25% subject to minimum Rs.300/-           

0.45% subject to minimum Rs.300/-           

0.458% for the first -3- months & 0.15% p.m. thereafter- min Rs. 300/-

 

0.25% subject to minimum Rs. 500/-

Out of pocket exp. are to be recovered in addition to usual charges

 

 

 

 

 

 

SECTION – III

 

Electronic Payment Products and Bills for Collection

 

Rates w.e.f.

01-08-2011

(Exclusive of service –tax)

(In Rupees)

1.

Electronic payments & Outward Bill Collection

 

 

(I) Electronic Payment Products  :

 

A) Inward RTGS/NEFT/ECS transactions -

 

B) Outward transactions :

    (i) RTGS – Rs. 2 to 5 lakh –

       

 

     Rs. 5 lakh and above –

   

 

 (ii) NEFT – Up to Rs. 1 lakh –  

        

 

     Rs. 1 lakh to 2 lakh–

     

 

     Rs. 2 lakh and above –Rs. 25 per transaction

 

 

C)  ECS Debit  return charges will be the same as cheque returning charges

(Note) These charges shall be applicable for all type of transactions, including inter bank funds transfers.

 

(II) Outstation Cheque Collection * :

     

Individual & Non Individual (Except Saving bank Account Customer, Pensioner and Sr. Citizen customers) :

 

A)   Up to Rs. 10000 –

      

 

 

 

      Rs. 10000 to Rs. 100000 –

     

 

 

 

 

      Rs. 100001 and above –

 

 

 

 

 

B)  The above charges will be inclusive of courier charges, out of pocket expenses, etc.

 

SAVING BANK ACCOUNT CUSTOMERS

 

- Up & Including Rs. 5000/-

-Above Rs. 5000/- & Upto and Including Rs. 10000/-

-Above Rs. 10000/- & Upto and Including Rs. 100000/-

-Above Rs.100000/-

 

 

 

Pensioners:

A)  Up to Rs. 10000 –

     

 

 

 

     Rs. 10000 to Rs. 100000 –

     

   

 

 

    Rs. 100001 and above –

 

 

 

 

 

B)  The above charges will be inclusive of courier charges, out of pocket expenses, etc.

 

 

Senior Citizens:

A)  Up to Rs. 10000 –

     

 

 

 

     Rs. 10000 to Rs. 100000 –

 

 

 

 

     Rs. 100001 and above –

 

 

 

 

 

B)  The above charges will be inclusive of courier charges, out of pocket expenses, etc., should be levied upon the customers.

 

 

FREE 

 

 

Rs. 25 per transaction

 

Rs. 50 per transaction

 

Rs. 5 per transaction

 

Rs. 15 per transaction

 

Rs. 25 per transaction

 

Rs.200/-

 

 

 

 

 

 

 

 

 

 

 

Not exceeding Rs. 50 per instrument.

 

 

Not exceeding Rs. 100 per instrument.

 

 

 

Not exceeding Rs. 150 per instrument.

 

 

 

 

 

 

 

 

Rs. 25/-

Rs. 50/-

Rs. 100/-

 

Rs. 150/-

 

 

 

 

Not exceeding Rs. 40 per instrument.

 

 

Not exceeding Rs. 80 per instrument.

 

 

Not exceeding Rs. 120 per instrument.

 

 

 

 

 

 

 

 

Not exceeding Rs. 40 per instrument.

 

 

Not exceeding Rs. 80 per instrument.

 

 

Not exceeding Rs. 120 per instrument.

 

 

 

 

 

 

(III) Collection of Bills (clean/ documentary/ demand /  usance)

 

  Bills for amount :-

(i)   Upto Rs.1000/- ------------

 

(ii)  Above Rs.1000/- & upto Rs.5000/- --------------

 

(iii) Above Rs.5000/- & upto Rs.10000/- --------------

 

(iv) Above Rs.10000/- & upto Rs.1 lac only ------------

 

 

 

 

(v)  Above Rs.1 lac & upto Rs.10 lacs only ---------

 

 

 

 

 

(vi) Above Rs.10 lacs only --------------

 

 

 

 

 

 

25/-

 

40/-

 

80/-

 

Rs.8/- per Rs. 1000/- or part thereof

 

 

Rs. 7/- per Rs. 1000/- or part thereof subject to minimum of Rs.800/-

 

Rs. 6/- per 1000/- or part thereof subject to minimum of

Rs.8000/- & maximum Rs.10000/-

 

 

 

NOTES: -

(i)   Postage to be recovered separately.

 

(ii)  Handling charges for bills returned unpaid: -

       Local: (per instrument) --------------               

 

        Outstation: (per instrument) ---------------

 

 

 

 

 

50/-

 

50% of collection charges subject to minimum of Rs.100/-

2.

Inward Bills for Collection (I.B.C.)

      Bills for amount: -

      (i) Upto Rs.1 lac ---------------                                                                         

 

Rs.10/- per Rs. 1000/- or part thereof subject to min. Rs.75/-

 

 

     

 (ii) Above Rs.1 lac & upto Rs.10 lacs ---------------

 

Rs.10/- per Rs.

1000/- or part thereof subject to min. Rs. 1200/-

 

 

 

 

 

 

 

 

   

 (iii) Above Rs.10 lacs -------------

 

 

 

Rs.8/-per Rs.

1000/- or part thereof subject to min. Rs. 8000/- & max.

Rs.10000/-

3.

Service Charges for Cheque Collection under Speed Clearing (by Collecting Bank from Customers)

                             All Customers   S.B. A/c Holder

 

Upto and including      NIL                 NIL

Rs. 100000/-

 

Above Rs. 100000/-    Rs.150/-    Banks Discretion

 

 

NIL

 

 

Rs. 150/-

4.

Service(Processing) Charges  for Local Clearing (by Clearing Houses from Member Banks)

                            Presenting Bank   Drawee Bank

 

Clearing at MICR      Rs. 1.00              Rs. 1.50

 

Cheque Truncation    Rs. 0.50              Rs. 1.00

 

5.

Collection of deposit receipts on maturity

Charges for collecting fixed deposit receipts on maturity

 

 

No charges

6.

Presentation of Usance bill

Charges for presentation of per Usance bill & also for change in instructions (per request)

100/-

 

 

 

 

SECTION- IV

 

Remittances

 

Rates w.e.f.

01-08-2011

(Exclusive of service –tax)

(In Rupees)

 

1.

Issuance of

DD/MT/PO

/Banker’s Cheque

Individual:

(i) Upto Rs.500/- ------------

 

40/-

 

 

 

(ii) Above Rs.500/- & upto Rs.1000/- -------

40/-

 

 

 

(iii) Above Rs.1000/- & upto Rs.5000/- -----

40/-

 

 

 

(iv) Above Rs.5000/- & upto Rs.10000/- ----

40/-

 

 

 

(v) Above Rs.10000/-

Rs.4/- per thousand or part thereof subject to minimum of Rs.50/- & Maximum of Rs. 15000/- plus cash handling charges, if any

 

 

 

Non Individual:

(i) Upto Rs.500/- ------------

 

40/-

 

 

 

 

(ii) Above Rs.500/- & upto Rs.1000/- -----

 

40/-

 

 

 

 

(iii) Above Rs.1000/- & upto Rs.5000/-----

 

40/-

 

 

 

 

(iv) Above Rs.5000/- & upto Rs.10000/- ---

 

40/-

 

 

 

(v) Above Rs.10000/-

Rs.4/- per thousand or part thereof subject to minimum of Rs.50/- & Maximum of Rs. 15000/- plus cash handling charges, if any

 

 

 

NOTES: -

(i) No charges for issuance of DRAFT/PO/Banker’s Cheque/MT in respect of loan sanctioned by the branch & payment is made directly to suppliers.

(ii) The charges are to be hiked by at least 50% if DD/MT/PO/MT/Banker’s Cheque  is issued against the tender of cash.

 

 

2.

Cancellation /issue of fresh DD/MT/PO

Individual:

Charges for cancellation of DD / MT / PO and / or issue of fresh DD / MT / PO in lieu of lost one (per instrument) ----

 

 

50/-

 

 

 

Non Individual:

Charges for cancellation of DD / MT / PO and / or issue of fresh DD / MT / PO in lieu of lost one (per instrument) ------

 

 

60/-

 

 

3.

 

Miscellaneous services

1. Revalidation of DD/PO (per instrument) ------

 

i) Individual----

ii)Non-Individual----

 

 

50/-

75/-

 

 

 

2. Issuance of No Dues Certificate (per occasion) ---

(Except Govt. Sponsored Schemes & Crop Loans)

30/-

 

 

 

3. Inquiries relating to old (Entries for more than 12 months) [per entry] -----

 

50/-

 

 

 

4. Providing credit report (per occasion) -------------

100/-

 

 

 

Individual:

5. Attestation of customer’s signature/Photograph (per occasion) -------

 

50/-

 

 

 

Non Individual:

5. Attestation of customer’s signature/Photograph(per occasion) -------

 

 

60/-

 

 

 

 

 

SECTION- V

 

Levy of Service Charges in CBS

 

Rates w.e.f.

01-08-2011

(Exclusive of service –tax)

(In Rupees)

1.

Issuance of

"payable at par" Cheque

i) Savings Bank: -

   Without any charges for –6- months or part thereof

  

    Subsequent cheque book/s ------------

 

ii) CA / CC / OD: -

 

    First cheque book containing 50 leaves -----------

         

     Subsequent cheque book/s ---------------

 

·     Issuance of more than one cheque book – discretion of the Branch Manager on the basis of business relationship with the party.

·     Issuance of cheque book for giving post-dated cheques – should be discouraged.

·     Valued customer – cheque book charges can be waived (subject to cost analysis) by the Branch Manager. The justification thereof should be recorded properly in a separate register.    

 

20 leaves

 

2/- per leaf

 

 

 

Free

 

2/- per leaf

 

 2.

Incidental Charges for balance below average quarterly limit

Charges for not maintaining average quarterly balance ( per quarter )

 

 i) Current Account -------- (Avg Qrt Bal- Rs. 50000/-)

ii) Savings Bank ---------   (Avg Qrt Bal- Rs. 20000/-)


 

 

 

 

300/- (per Quarter)

 

 3.

Cheque Deposit Charges

Charges for Cheque Deposit at non base centre payable at centre 1/- per  thousand  (Max of Rs. 2000/-)

 

 

 

 

SECTION- VI

 

Safe Deposit Lockers

Rates w.e.f.

01-08-2011

(Exclusive of service –tax)

(In Rupees)

 

1.

Locker Rent

Class of Locker   "A"     "B"     "C"

 

Rural &             500/-   600/-   700/- 

Semi Urban

branches

 

Urban               700/-   800/-   1000/-

branches

 

Metro              1000/-  1200/-  1500/-

branches

 

where

"A" refers to Small Locker

"B" refers to Medium Locker

"C" refers to Large Locker

 

NOTE:-

1. For Staff members only - 25% of the normal rent should be recovered

2. 10% extra rent is to be charged for every year or part thereof for overdue rent amount. This will be applicable in case of staff also.

3. 10% concession- in case of advance payment for 3 years or more (for both public & staff)

 

 

 2.

Safe Custody Charges

a) Banks own deposit receipt

 

b) Sealed Cover (for each cover)

 

 

 

c) Scrips (for each scrip)
 

NIL

Rs. 200/- per cover p.a.

Rs. 100/- per scrip minimum of Rs. 200/-p.a.

 

 

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