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Sr. No.

Subject matter

Particulars

 

Rates

(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 Account    500/-   1000/-      3000/-  4000/- 

                                

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

 

ii)  Savings Bank Account: -

          

With cheque book    300/-   500/-       750/-    1000/-

 

Without cheque book200/-  300/-       400/-     500/-

 

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.

 

 

 

 

100/-

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/- + postage + remittance charges

 
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 @ PLR + 3.50% 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/-

 

 

 

100/-

 

50/-

 

 

 

 

 

 

 

 

100/-

 

 

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

 

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)    Upto ten packets –

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

 

 

No charges

Rs. 100/-  + Service Tax
 

 

 

SECTION –II

 

Advances, Guarantees, Bill Discounting & LC  

 

 

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

 

 

400/-

 

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.

 

 

 

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.

 

RETAIL LOANS:

 

PART-A: Mortgage Loans:

1- Home Loan: For all House Loans 0.50% (Minimum

    Rs.500/- & Max. Rs.10000/- plus service tax.

2- Take over of Home Loans: Nil

3- Advance against Property: 0.50% on sanctioned

    amount (No ceiling).

4- Overdraft(Fresh sanction/renewal):0.50% on

    sanctioned amount(No ceiling)

 

PART-B: Business/Other Secured Loan:

1- Traders Loan(Loan/Overdraft): 0.50% of the

    sanctioned limit(No ceiling)

2- Loan to Doctors(Naini Health Care): 0.25%

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

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

3- Loan to Professionals(Naini Sahyog): 0.50% in

    addition to documentation charges) (Minimum

    Rs.500/-).

 

PART-C: Clean/Other Loan:

1- Personal Loan(Naini Sahyog): 0.50% in addition to

    documentation charges(Minimum Rs.500/-).

2- Car Loan: 0.50% in addition to documentation

    charges(Minimum Rs.500/- and Maximum

    Rs.10000/-).

3- Two-wheeler Loan: 0.50% in addition to

    documentation charges (Minimum Rs.500/- and

    Maximum Rs.10000/-).

4- Education Loan: No Processing charges.

 

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%.

  

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. – flat   charges for one time - Rs.200/- .

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/=

 

As applicable to General advances
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 one year, commission should be in steps of 0.75% or 0.85% (For Performance & Other than Performance, respectively) per quarter as the case may be. Part of quarter should be treated as full quarter.

(vi) If the period of guarantee is less than one year, say six months, and extension for -3- months is requested after -6- months, customer will have to pay commission for the period for which extension is being sought.   

3% p.a. with  minimum charges for one year

3% p.a. with  minimum charges for one yea

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.20 lacs -------------

 

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

 

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

 

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

 

g. Above Rs. 5.00 crores -----------

  

 

 

 

NIL

 

400/-

 

600/-

 

800/-

 

1500/-

 

2500/-

 

5000/-

 

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 @ PLR + 3.50% 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

 

  

 

 

 

 

 

 

 

There shall be no service tax on overdue interest.

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 @ PLR + 3.5% 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/-

0.25% subject to minimum Rs.300/-

0.25% subject to minimum 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

 

 

1.

Electronic payments & Outward Bill Collection

 

 

(I) Electronic Payment Products  :

 

A) Inward RTGS/NEFT/ECS transactions - Free/No charges to be 

        levied.

B) Outward transactions :

    (i) RTGS – Rs. 1 to 5 lakh – Not exceeding Rs. 25 per transaction

        - Rs. 5 lakh and above – Not exceeding Rs. 50 per  transaction

    (ii) NEFT – Up to Rs. 1 lakh – Not exceeding Rs. 5 per transaction

        - Rs. 1 lakh and above – Not exceeding Rs. 25 per transaction

C)  ECS Debit return charges will be the same as cheque returning charges i.e. Rs.100/-.

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

 

(II) Outstation Cheque Collection * :

     

Individual & Non Individual:

A)   Up to Rs. 10000 – Not exceeding Rs. 50 per instrument.

      Rs. 10000 to Rs. 100000 – Not exceeding Rs. 100 per instrument.

      Rs. 100001 and above – Not exceeding Rs. 150 per instrument.

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

 

Pensioners:

A)  Up to Rs. 10000 – Not exceeding Rs. 40 per  instrument.

     Rs. 10000 to Rs. 100000 – Not exceeding Rs. 80 per instrument.

     Rs. 100001 and above – Not exceeding Rs. 120 per instrument.

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

Senior Citizens:

A)  Up to Rs. 10000 – Not exceeding Rs. 40 per instrument.

     Rs. 10000 to Rs. 100000 – Not exceeding Rs. 80 per instrument.

     Rs. 100001 and above – Not exceeding Rs. 120 per instrument.

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

 

 

 

(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.

Collection of deposit receipts on maturity

Charges for collecting fixed deposit receipts on maturity

 

 

No charges

4.

Presentation of Usance bill

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

100/-

 

 

 

 

SECTION- IV

 

Remittances

 

 

1.

Issuance of

DD/MT/PO

/Banker’s Cheque

Individual:

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

 

20/-

 

 

 

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

25/-

 

 

 

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

30/-

 

 

 

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

35/-

 

 

 

(v) Above Rs.10000/-

Rs.1/- per thousand or part thereof minimum Rs.30/-

 

 

 

Non Individual:

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

 

20/-

 

 

 

 

 

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

 

25/-

 

 

 

 

 

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

 

30/-

 

 

 

 

 

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

 

35/-

 

 

 

 

(v) Above Rs.10000/-

Rs.1/- per thousand or part thereof minimum Rs.35/-

 

 

 

 

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

 

 

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 qurately 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 2000/-)

 

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