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General Service Charges

No. Particulars Existing Charges
1 Savings Bank Account
With cheque book facility Rs.1,000/-
Charges for non maintenance of minimum balance Rs.50/- quarterly
Without cheque book facility Minimum balance Rs.500/-
Charges for non maintenance of minimum balance Rs.25/- quarterly
Issue of duplicate pass book Rs.50/-
Cheque book issue charges 50 cheque leaves in a financial year free of cost, thereafter Re.1/- per cheque leaf
Charges for closure of account
           With cheque book Rs.100
           Without cheque book Rs.50/-
2 Current Account Minimum Balance Rs.5,000/-
Charges for non maintenance of minimum balance Rs.100/- quarterly
Issue of duplicate statement Rs.75/- + Rs.10/- per folio
Cheque book issue charges

100 cheque leaves in a financial year free of cost thereafter Rs.2/- per cheque leaf.

For the purpose of post dated cheque Rs.10/- per cheque leaf (Not more than 25 cheque leaves at a time)
Charges for closure of account
            i)    Within 6 months Rs.250/-
           ii)    After 6 months Rs.150/-
3 Stop payment of cheque Rs. 50/- per instruction
4 Stop payment charges in case of loss of complete cheque book Rs.100/-
5 Charges of unused cheques at the time of closure Rs.5/- per leaf
6 Cheque returned  

            i)    Outward Clearing

 (Above rates are also applicable for outstation cheque but interest is to be charged only if the cheque is purchased)

 Rs.100/-
            ii)    Inward Clearing  

                    a)   Cheque upto Rs.20,000/- 
                          (for want of funds)

 Rs.200/- per cheque + Interest @ 16% p.a on the amount of cheque

                    b)   Cheque above Rs.20,000/-  
                          (for want of funds)

 Rs.200/- per cheque + Interest @ 16% p.a on the amount of cheque
                    c)    for any other technical reason Rs.200/- to be recovered per cheque.
                    d)     ECS Debits Charges applicable as per 6(ii).
7 Pay Order  
           i)     Issue charges  
                    a)    Upto Rs.5,000/- Rs.25/-
                    b)    Above Rs.5,000/-                                                      to Rs.15,000/-   Rs.50/-
                    c)    Above Rs.15,000/-  

Rs.1.50 per Rs.1,000/-
Minimum Rs.50/-
Maximum Rs.1,000/-
           ii)     Cancellation Rs.50/-
           iii)     Issue of Duplicate P.O. Rs.100/-
           iv)     Revalidation Rs.50/-
8 Demand Draft  
           i)     Issue charges  
                    a)     Upto Rs.1,000/- Rs.20/-
                    b)     Above Rs.1,000/- to                             Rs.10,000/- Rs.30/-
                    c)     Above Rs.10,000/- to Rs.1.00                             lakh- Rs.2.50 per Rs.1,000/- Min. Rs.30/-
                    d)     Above Rs.1.00 lakh to Rs.10.00                             lakh Rs.2/- per Rs.1,000/- Min. Rs.250/-
                    e)     Above Rs.10.00 lakh

Rs.1.50 per Rs.1,000/-
Minimum Rs.2,000/-Maximum Rs.20,000/-
           i)     Cancellation Rs.50/-
           ii)     Issue of duplicate DD Rs.100/-
           iii)     Revalidation Rs.50/-
9 Bankers Cheque  
           i)     Through tie-up arrangement

Rs.1.50 per Rs.1,000/-
Minimum Rs.30/-Maximum Rs.8,000/-
           ii)     Cancellation Rs.50/-
           iii)     Issue of Duplicate Bankers Cheque Rs.100/-
           iv)     Revalidation Rs.50/-
10 OBC  
           i)     Upto Rs.10,000/- Rs.25/-
           ii)     Above Rs.10,000/- to Rs.50,000/- Rs.3/- per Rs.1,000/- or part thereof minimum Rs.25/- upto Rs.10,000/-
           iii)     Above Rs.50,000/- Rs.3/- per Rs.1,000/- or part thereof minimum Rs.25/- upto Rs.10,000/-
The above rates are also applicable for cheques/bills drawn on us (received)
11 New Miscellaneous Service Charges  
           i)     Loss of Token Rs.50/- per token.
           ii)     Loss of cheque book requisition slip Rs.25/- per instance.
           iii)     Change in operational instructions/                     notice of P.A./Letter of Mandate                     including change of signatories                     (except registered societies/trust) Rs.100/- per instance.
           iv)     Fate Enquiry (for outward clearing) Rs.50/-  per Cheque + travelling expenses
           vi)     Noting and/or releasing of charges/                    encashment (NSC, KVP etc.) Rs.50/- + Actual travelling expenses.
           vi)     Assignment/Reassignment of LIC                    policies Rs.50/- + Actual travelling expenses.
           vii)     Issue of NOC/HP-TER letters to RTO Rs.50/- per instance.
           viii)     Salary attachment notice Rs.100/- per instance.
           ix)     Signature verification charges Rs.25/- per verification.
           x)     Reminder for Renewal papers/stock/                    book debt statements Rs.200/- per instance.
           xi)     Reminder for locker rent Rs.50/-
12 R.T.G.S

Rs.1.50 per Rs.1,000/-
Minimum Rs.50/-Maximum Rs.5,000/-
13 NEFT Charges – Outward remittance

0.15% of the amt.
Minimum Rs.50/-Maximum Rs.5,000/-

 

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Service charges for Retail Loans

Sr.No. Particulars Existing Charges
1 Personal Loans

1.00%
Minimum Rs.100/- MaximumRs.1,000/-.
2 Housing loan  
    a) Purchase of new house

1% IC
Minimum Rs.2,000/- and Maximum Rs.15,000/-
    b) Renovation of house

1% IC
Minimum Rs.1,000/-
3 Car loans

1% IC
Minimum Rs.2,000/- and Maximum Rs.10,000/-
4 Consumers Durable / Article loan / Two wheelers

1% IC
Minimum Rs.1,000/- and Maximum Rs.2,500/-
5 Loans/Overdraft againsts Govt. Sec such as NSC/KVP/BONDS etc Rs.1,000/- flat
6 Gold Loans

1% IC
Minimum Rs.250/- Maximum Rs.10,000/-
7 Advance against Shares

1% IC
Minimum Rs.250/- Maximum Rs.5,000/-

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Service charges for Business Loans

Sr.No. Particulars Existing Charges
1 Working Capital Limits
      a) Cash Credit/ Overdraft/Bills         Discounting

0.50%

Minimum Rs.5,000/- & Maximum Rs.3.00 lakh
2 Other secured advances: such as Commercial property /Furniture & Fixture /Machinery etc

0.50%

Minimum Rs.5,000/- & Maximum Rs.3.00 lakh
3 Commercial Vehicles

    a) Truck /Tempo/Tourist         Cars/Jeeps etc

1% IC

Minimum Rs.2,000/-
    b) Taxi/Rickshaw Rs.500/-
4 Processing charges in case of Renewal of working capital facilities
    a) Upto Rs.50000/- Rs.500/-
    b) Above Rs.50000/- to Rs.1.00         lakh. Rs.1000/-
    c) Above Rs.1.00 lakh  lakh.

0.25%

Minimum Rs.1,000/-
Maximum Rs.25,000/- *
* In case of renewal and enhancement both will attract charges as mentioned in Item 1 & 4 above.
5 Service Charges incase of Temporary Overdraft( TOD) / or Temporary Overdrawing.
      a) Upto Rs.1000/- Rs.100/-
      b) Above Rs.1001/- to Rs.5000/- Rs.200/--
      c) Above RS.5001/- to         Rs.20000/- Rs.300/-
      d) Above Rs.20000/-to Rs.1.00                lakh. Rs.500/-
      e) Above Rs.1.01 lakh to above                 Rs.2.00 lakh Rs.750/-
      f) Above Rs.2.00 lakh 0.5% Minimum
6 Legal Notice Charges  
  1st Notice Rs.100/-
  2nd Notice Rs.200/-
  Legal Notice Rs.500/-
7 Visits to defaulters Actual conveyance expenses + Rs.500/-
8 Recovery Charges  
      a) While sending file to Recovery         Cell Rs.750/-
      b) While filing Case Rs.750/-
9 Stock/Security inspection Rs.500/- + Actual expenses.
10 Non Fund Based Limits  
         1     Bank Gurantee  
       a) Fully Secured  by Term          Deposit 1% p.a.
       b) Partly Secured by Term          Deposit 3% p.a.
         2     Solvency Certificate
       a) Upto Rs.1.00 lakh

0.10% of amount.
Minimum Rs.500/- & Maximum Rs.15,000/-
In case for education purpose Rs.1,000/- max.

Additional Rs.100/- per copy.
       b) Above Rs.1.00 lakh
         3     Letter of Credit (Handling charges)
       a) Upto Rs.2.00 lakh Rs.250/-
       b) Above Rs.2.00 lakh Rs.350/-

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