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Service Charges

Service Charges on Deposit Accounts, Remittance and Other Miscelleneous Services w.e.f 01.02.2011:

Sl No. Nature of Service Rates of Service Charges (Inclusive of Service Tax) Amount in Rs.
   
General Senior Citizen
1 Collection of outstation Cheques
   
1.i Upto Rs 5000/-
Rs 25/- + STax @ 10.30%=Rs 28/- Rs 25/- + STax @ 10.30%=Rs 28/-
1.ii Above Rs 5000/- upto Rs 10000/-
Rs 50/- + S Tax @ 10.30%= Rs 56/- Rs 50/- + S Tax @ 10.30%= Rs 56/-
1.iii Above Rs 10000/- upto Rs 100000/-
Rs 100/- + S Tax @ 10.30%=Rs 111/- Rs 100/- + S Tax @ 10.30%=Rs 111/-
1.iv Above Rs 100000/-
Rs 150/- + S Tax @ 10.30%=116/- Rs 150/- + S Tax @ 10.30%=116/-
2 Collection of Local Cheques
Nil  
3 Return of Inward Clearing Cheques for individual
   
3.i Upto Rs 100000/-
Rs 100/- Rs 80/-
3.ii Above Rs 100000/-
Rs100/- + Re 0.50 per thousand above Rs 100000/- Rs 80/- + Re 0.50 per thousand above Rs 100000/-
4 Return of Inward Clearing Cheques for Non-individual
   
4.i Upto Rs 100000/-
Rs 150/- Rs 150/-
4.ii Above Rs 100000/-
Rs150/- + Re 0.50 per thousand above Rs100000/- Rs150/- + Re 0.50 per thousand above Rs100000/-
5 Return of outward clearing cheques
   
5.i For Local Cheques
Rs 75/- per instrument + other Bank charges for local cheques Rs 60/- per instrument + other Bank charges for local cheques
5.ii For outstation Clearing Cheques
Rs 100/- per instrument + other Bank charges for OCC Rs 80/- per instrument + other Bank charges for OCC
6 ECS
   
6.i ECS Credit
Nil Nil
6.ii ECS Debit
Nil Nil
6.iii ECS Return
Rs 50/- per instrument Rs 40/- per instrument
7 Collection of Deposit Receipt on Maturity
   
7.i Deposit Receipt of our Bank from another branch for creating deposit or otherwise
Nil Nil
7.ii Deposit Receipt of other Bank from another branch for creating Term deposit
Nil Nil
7.iii Deposit Receipt of other Bank from another branch for the purpose other than creating Term deposit
Normal Collection Charges as per Serial No. 1 Normal Collection Charges as per Serial No. 1
8 Issuance of Demand Draft / Mail Transfer /Bankers Cheque pay order
   
8.i Upto Rs 1000/-
Rs 15/- Rs 14/-
8.ii Above Rs 1000/- upto Rs 5000/-
Rs 25/- Rs 24/-
8.iii Above Rs 5000/- upto Rs 10000/-
Rs 31/- Rs 29/-
8.iv Above Rs 10000/- upto Rs 100000/-
Rs 3/- per thousand or part thereof with a minimum of Rs 31/- Rs 2.5/- per thousand or part thereof with a minimum of Rs 29/-
8.v Above Rs 100000/-
Rs 2.75/- per thousand or part thereof with a minimum of Rs 300/- Rs 2/- per thousand or part thereof with a minimum of Rs 250/-
9 Issue of fresh Draft / Pay Order in lieu of lost instrument
   
9.i Upto Rs 100000/-
Rs 75/- per instrument Rs 60/- per instrument
9.ii Above Rs 100000/-
Rs 150/- per instrument Rs 120/- per instrument
10 Cancellation of Draft / Pay Order
   
10.i Upto Rs 10000/-
Rs 80/- per instrument Rs 60/- per instrument
10.ii Above Rs 10000/-
Rs 100/- per instrument Rs 80/- per instrument
11 Cancellation of Lost Demand Draft / Pay Order
Rs 90/- + actual expenses incurred Rs 80/- + actual expenses incurred
12 Revalidation of Draft / Pay Order
   
12.i Upto Rs 10000/-
Rs 100/- per instrument Rs 80/- per instrument
12.ii Above Rs 10000/-
Rs 150/- per instrument Rs 120/- per instrument
  Remittance of funds by way of demand drafts or any other mode for value of Rs. 50,000/- and above is to be effected by debit to the customer's account or against cheques and not against cash payment.
13 Duplicate Statement / Pass Book  
13.i With latest balance Rs 45/- per Pass Book
13.ii With previous entries per ledger folio or part thereof considering 40 entries as one ledger in case of computerized or CBS Branch
  1. Rs 60/- for the last one year
  2. Rs 80/- for one to three years
  3. Rs 125/ for more than three years
13.iii CD Statement – Daily / Weekly / Fortnightly One Statement to be provided free in a month. Rs 54/- to be levied for additional statement per month
14 Call Deposit Receipt Rs 40/- per Receipt
15 Addition / Deletion of Name Rs 100/- per occasion. No charge for deletion of name of the deceased customer
16 Signature Verification Rs 50/- per verification/per signature
17 Closure of SB A/C within 12 months of its opening  
17.i Without cheque book Rs 100/- per account
17.ii With cheque book Rs 150/- per account
17.iii Exemption from operation of Sr. No. 17
  1. When A/C is transferred to another branch
  2. Opening of another A/C in joint name
  3. Death of the A/C holder
18 Closure of CD A/C within 12 months of its opening Rs 200/- per account
18.i Exemption from operation of Sr. No. 18
  1. When A/C is transferred to another branch
  2. Opening of another A/C in joint name
  3. Death of the A/C holder
19 Closure of RD A/C within 12 months of its opening Rs 75/- per account
20 Fall in Minimum Balance in SB  
20.i Minimum balance without Cheque Book Facility - Rs 100/- Rs 40/- per occasion regardless of "with" & "without" Cheque Book
20.ii Minimum balance with Cheque Book Facility-Rs 500/-  
21 Fall in Minimum Balance in CD  
21.i Minimum balance for Non MICR cheques - Rs 1000/-
  1. Individual-Rs 50/- per occasion
  2. Others- Rs 100/- per occasion
21.ii Minimum balance for MICR cheques - Rs 2500/-  
22 IC for inoperative Accounts  
22.i SB Accounts maintaining stipulated minimum balance Rs 50/- per account/per half year
22.ii CD Accounts maintaining stipulated minimum balance Rs 100/- per account/per half year
  If the balance falls below Rs 50/- or Rs 100/- as the case may be, the entire balance is to be apportioned towards service charge and the account is to be closed under advice to the account holder with a request to return the cheque book.
23 Issuance of cheque Books
   
23.i SB A/C for MICR & Non-MICR
Rs 2.50/- per cheque leaf (One cheque book of 20 leaves will be free in a calendar year) Rs 2.00/- per cheque leaf (One cheque book of 30 leaves will be free in a calendar year)
23.ii CD/OD/CC A/C for MICR & Non-MICR
Rs 2.50/ per cheque leaf (No free cheque book) Rs 2.00/ per cheque leaf (No free cheque book)
24 Enquiry relating to old records  
24.i 3-12 months old Rs 27/- per item
24.ii Above 1 year upto 3 years Rs 54/- per item
25 Setting up of standing instruction (Transfer to other than the same branch) Rs 110/-
26 Processing of standing instructions  
26.i Credit to another A/C of the same customer within the same branch Nil
26.ii Credit to another A/C of the same customer within the same branch Rs 50/-
27 Ledger Folio Charges for SB/CD/OD/CC Accounts  
27.i CD/OD/CC Accounts Rs 60/- per folio & No free folio
  40 entries or part thereof be taken as one folio in case of computerized or CBS Branch.
28 Loss of Token Rs 100/- per token lost
29 Stop Payment Instructions  
29.i SB Rs 50/- per cheque leaf/per occasion with maximum Rs 100/-
29.i1 CD Rs 60/- per cheque leaf/per occasion with maximum Rs 200/-
30 Operation in account through Power of attorney/mandate holder in SB/CC/OD/CD
  1. SB - Rs 75/-
  2. CC/OD/CD - Rs 150/-
31 Change in Operational instruction Rs 50/- per occasion
32 Number of withdrawal in SB account exceeding 50 in a calendar half year Rs 10/- per withdrawal in excess of Rs 50 per calendar half year
33 Service charges for Locker Rs 600/- as Annual rent (Rs 10/- per month's default in addition to normal rent)
INTER - SOL TRANSACTIONS (CBS Branches)
34 Cash deposit at local non base CBS Branches  
34.i Cash Deposit – upto Rs. 20000 No Charge
34.ii Cash Deposit – above Rs. 20000 Rs 2/- per thousand or part thereof; minimum charges Rs 50/-
35 Cash deposit at local non base CBS Branches  
35.i Cash Deposit – upto Rs.20000 No Charge
35.ii Cash Deposit – above Rs.20000 but less than Rs.50000 Rs 2 per thousand or part thereof; minimum charges Rs.50
36 Cash withdrawal at Local / Outstation branch for self (Third party withdrawal is not permitted)  
36.i Upto Rs.100000 Rs 2 per thousand or part thereof; minimum charges Rs.25
37 Transfer of Funds (Local)  
37.i Transfer of funds between CBS Branches located at the same center No Charge
38 Transfer of Funds (Outstation)  
38.i Receipts / Payments upto Rs. 100000 Rs 28/- per transaction
38.ii Receipts / Payments above Rs. 100000 – upto Rs.500000 Rs 55/- per transaction
38.iii Receipts / Payments above Rs. 500000 Rs 110/- per transaction
39 Collection of Cheques through CBS branches  
39.i Local Clearing No Charge
39.ii Upcountry  
39.iii Upto Rs. 10000 Rs 55/- per instrument
39.iv Above Rs.10000 upto Rs.100000 Rs 110/- per instrument
39.v Above Rs.1lac Rs 165/- per instrument
40 CIBIL Report  
40.i Consumer CIR (Credit Information for Individual Consumer) Rs 33/- per report (Excluding service tax)
40.ii Commercial CIR (Credit Information for commercial entity i.e firms / company / partnership etc. Rs 700/- per report (Excluding service tax)
41 RTGS Charges per transaction
41.i Rs. 1.00 lac to Rs. 2.00 lac No facility
41.ii Above Rs. 2.00 lac to Rs. 5.00 lacs Rs. 25/- (Excluding service tax)
41.iii Above Rs. 5.00 lacs Rs. 50/- (Excluding service tax)
42 NEFT  
42.i Upto Rs. 1.00 lac Rs. 5/- (Excluding service tax)
43.ii Above Rs. 1.00 lac to Rs. 2.00 lac Rs. 15/- (Excluding service tax)
43.iii Above Rs. 2.00 lac Rs. 25/- (Excluding service tax)

 

Services rendered free of Charges:

Sl No.    
1 Issuance of Cheque Book in Savings Bank Account One cheque book of 20 leaves, free in a calendar year
2 Standing instruction for credit to another account of the same customer with the same Branch Free
3 Issuance of original Pass Book Passbook Free
4 Deletion of name of deceased customer Free
5 Conversion of single account into joint account of pensioner's account for the first time Free
6 Cash deposit at local non-base CBS Branch upto Rs. 20,000/- Free
7 Cash deposit at outstation Non-base Branch upto Rs.20,000/- Free
8 Transfer of funds between CBS Branches located at the same centre Free
9 Collection of cheques through intersol transaction at Local Centre Free
10 Updating Pass Book Free
11 Statement of Accounts-Original Free

Please note that in case of Non-individuals i.e., the rate of service charges will be 125% of the normal charges applicable to the "General Category".

Service Charges on Credit Related Items (Excluding Retail Credit Schemes):

Sl No. Nature of Service Rates of Service Charges (Inclusive of Service Tax) Amount in Rs.
1 Processing Charges  
1.1 Working Capital  
1.1.1 Priority Sector  
1.1.1.1 Upto Rs 2.00 lakh Nil
1.1.1.2 Above Rs 2.00 lakh Rs 250/- per lakh or part thereof, maximum Rs 25 lakh
1.1.2 Non Priority Sector  
1.1.2.1 Upto Rs 25.00 thousands Nil
1.1.2.2 Above Rs 25.00 thousands upto Rs 2.00 lakh Rs 250/- per lakh or part thereof
1.1.2.3 Above Rs 2.00 lakh Rs 250/- per lakh or part thereof, maximum Rs 25 lakh
1.2 Term Loan  
1.2.1 Upto Rs 25.00 thousands Nil
1.2.2 Above Rs 25.00 thousands upto Rs 10.00 crore 1% of the Loan Account
1.2.3 Above Rs 10.00 crore upto Rs 20.00 crore Rs 10.00 lakh + 1% of the amount exceeding Rs 10.00 crore
1.2.4 Above Rs 20.00 crore Rs 20.00 lakh + 0.50% of the amount exceeding Rs 20.00 crore
1.3 Demand Loan against Bank's own TD/NSC/LIP/KVP etc Nil
2 Renewal of Advances  
2.1 Working Capital  
2.1.1 Priority Sector  
2.1.1.1 Upto Rs 2.00 lakh Nil
2.1.1.2 Above Rs 2.00 lakh 50% of the normal charges subject to stipulated maximum
2.1.2 Non Priority Sector For each renewal of limit 75% of the normal charges subject to stipulated maximum
2.1.2.1 Upto Rs 25.00 thousands  
2.1.2.2 Above Rs 25.00 thousands up to Rs 2.00 lakh  
2.1.2.3 Above Rs 2.00 lakh  
2.2 Term Loan  
2.2.1 Upto Rs 2.00 lakh Nil
2.2.2 Above Rs 2.00 lakh up to Rs 1.00 crore 50% of the processing charges subject to maximum Rs 10.00 thousand
2.2.3 Above Rs 1.00 crore up to Rs 10.00 crore Rs 20.00 thousand
2.2.4 Above Rs 10.00 crore up to Rs 25.00 crore Rs 25.00 thousand
2.2.5 Above Rs 25.00 crore Rs 2.5 lakh
3 Sanction of Ad-Hoc Limit  
3.1 Priority Sector  
3.1.1 Upto Rs 2.00 lakh Nil
3.2 Non Priority Sector  
3.2.1 Upto Rs 2.00 lakh Nil
3.2.2 Above Rs 2.00 lakh up to Rs 10.00 lakh Rs 1500/-
3.2.3 Above Rs 10.00 lakh up to Rs 1.00 crore Rs 7500/-
3.2.4 Above Rs 1.00 crore up to Rs 10.00 crore Rs 15000/-
3.2.5 Above Rs 10.00 crore Rs 30000/-
4 Performance/Financial Guarantees  
4.1 Charges for both Financial and Non Financial Guarantee 3.00% p.a minimum 2 quarters + S Tax
4.2 Financial Guarantee with 100% Cash Margin 0.75 % p.a minimum 2 quarters + S Tax
4.3 Other than Financial Guarantee with 100% Cash Margin 0.50% p.a minimum 2 quarters + S Tax
4.4 Minimum Guarantee Commission Rs 300/- or for 2 quarters whichever is higher
4.5 Renewal of Guarantee Same Charges as applicable for issuance of fresh guarantee
4.6 Guarantee Secured by State/Central Govt/Public or Private Banks 50% of the normal commission
4.7 Handling Charges Rs 200/- is to be realized additionally in all cases
5 Supervision & Inspection  
5.1 Upto Rs 25.00 thousands Nil
5.2 Above Rs 25.00 thousands upto Rs 1.00 lakh Rs 100/- per inspection
5.3 Above Rs 1.00 lakh upto Rs 2.00 lakh Rs 150/- per inspection
5.4 Above Rs 2.00 lakh upto Rs 5.00 lakh Rs 250/- per inspection
5.5 Above Rs 5.00 lakh upto Rs 10.00 lakh Rs 1150/- per inspection
5.6 Above Rs 10.00 lakh upto Rs 20.00 lakh Rs 2250/- per inspection
5.7 Above Rs 20.00 lakh upto Rs 50.00 lakh Rs 3400/- per inspection
5.8 Above Rs 50.00 lakh upto Rs 2.00 crore Rs 6750/- per inspection
5.9 Above Rs 2.00 crore Rs 11250/- per inspection
  In addition to the above actual charges, actual expenses paid by the Bank Officials against TA, Haltage etc.
6 Charges for Creation of Equitable Mortgage (Per borrowing entity with Fund based limit of)  
6.1 Upto Rs 10.00 lakh Rs 500/- per lakh
6.2 Above Rs 10.00 lakh upto Rs 5.00 crore Rs 11200/-
6.3 Above Rs 5.00 crore Rs 15000/-
7 Charges for Documentation  
7.1 Upto Rs 25.00 thousands Nil
7.2 Above Rs 25.00 thousands upto Rs 50.00 thousands Rs 100/-
7.3 Above Rs 50.00 thousands upto Rs 2.00 lakh Rs 500/-
7.4 Above Rs 2.00 lakh upto Rs 5.00 lakh Rs 1000/-
7.5 Above Rs 5.00 lakh upto Rs 20.00 lakh Rs 1200/-
7.6 Above Rs 20.00 lakh upto Rs 1.00 crore Rs 2500/-
7.7 Above Rs 1.00 crore upto Rs 5.00 crore Rs 3000/-
7.8 Above Rs 5.00 crore Rs 10000/-
  Where equitable mortgage charges are recovered, documentation charges will not be recovered.
8 Issuance of Solvency Certificate  
8.1 Upto Rs 1.00 lakh Rs 750/-
8.2 Above Rs 1.00 lakh upto Rs 10.00 lakh Rs 1500/-
8.3 Above Rs 10.00 lakh upto Rs 25.00 lakh Rs 2500/-
8.4 Above Rs 25.00 lakh upto Rs 50.00 lakh Rs 5000/-
8.5 Above Rs 50.00 lakh Rs 10000/-
9 Issuance of "No Due" Certificate  
9.1 Priority Sector Rs 10/- per certificate
9.2 Non Priority Sector Rs 150/- per certificate

 

Service Charges on Credit Related Items (Retail Credit Schemes):

Sl No. Nature of Service Rates of Service Charges (Excluding Service, Postal Charge & Out of Pocket Expenses)
1 Housing Loan 0.5%
2 Mortgage Loan 1%
3 Cash Rental 1%
4 Trade Credit 1%
5 Mortgage Credit 1%
6 Car Loan 0.5%
7 Consumer Loan 0.5%
8 Personal Loan to Salaried Persons including teachers under SSK, MSK and Para-teachers Nil
9 Festival Advance Nil
10 Sihshak Samman Yojana Nil
11 Education Loan
  1. Study in India: nil
  2. Study abroad: 0.20% of loan amount. It will be refunded if the loan is availed of by the student. In case of partial availment, refund will be made on pro-rata basis
12 Trade Credit The processing fees/review/service charges/ supervision charges etc will be applicable & levied as per service charge circular issued from time to time. Review charges/supervision charges will be realized as per norms applicable for normal working capital. (CC/OD/TL).
 
 
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