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  • Service Charges

SERVICE CHARGES & OTHER CHARGES

Service tax plus any other statutory charges thereon will be collected in addition to the amount of charges mentioned below

  • 1. CHEQUE BOOK FACILITY

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    For SB- Number of free leaves in a calendar year

    40 leaves

    40 leaves

    40 leaves

    b

    For CA- Number of free leaves ( At the time of A/c opening)

    First set of 25 leaves

    c

    For SB- Cheque Book charges

    3.50/leaf

    3.50/leaf

    3.50/leaf

    d

    For CA/OD/CC/OCC - Cheque Book charges

    3.50/leaf

    3.50/leaf

    3.50/leaf

  • 2. ISSUE OF PASS BOOK / STATEMENT / BALANCE CERTIFICATE / INTEREST CERTIFICATE

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    SB /CA/OD/CC/OCC– Issue of pass book/Pass statement

    First set free of charges for all categories

    b

    SB - Pass book/Pass statement – additional set/copies

    20/per page, minimum 40/per occasion

    10/per page, minimum 40/per occasion

    10/per page, minimum 40/per occasion

    c

    CA/OD/CC/OCC - Pass book/Pass statement – additional set/copies

    30/per page, minimum 80/per occasion

    20/per page, minimum 60/per occasion

    20/per page, minimum 60/per occasion

    d

    SB /CA/OD/CC/OCC - Issue of Balance Certificate (per certificate)

    100/-

    60/-

    40/-

    e

    Interest paid / interest collected Certificate -

    First copy- free

    f

    Interest Certificate - Issue of extra copy

    100/-

    60/-

    40/-

  • 3. ISSUE OF DUPLICATE PASS BOOK

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    Pass Book with latest Balance

    85/-

    60/-

    40/-

    b

    Duplicate Pass sheet / statement

    85/per pass sheet,40/per additional page, with minimum 100/-

    60/per pass sheet , 25/per additional page, with minimum 75/-

    40/per pass sheet, 10/per additional page, with minimum 50/-

    c

    Note: 40 entries or part thereof is treated as one page / sheet

  • 4. ISSUE OF DUPLICATE DEPOSIT RECEIPT

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    ISSUE OF DUPLICATE DEPOSIT RECEIPT

    50/per receipt.

  • 5. TRANSFER OF SB A/C to any of our branches.

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    TRANSFER OF SB A/C to any of our branches.

    Out of pocket expenses to be recovered, with a maximum of 50/-

  • 6. STOP PAYMENT /REVOCATION

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    For SB Accounts – Stop payment instruction

    100/- per cheque, Maximum 500/occasion

    60/- per cheque, Maximum 300/occasion

    40/- per cheque, Maximum 200/occasion

    b

    For CA/OD/CC/OCC – Stop payment instruction

    200/- per cheque, Maximum 600/occasion

    100/- per cheque, Maximum 500/occasion

    100/- per cheque, Maximum 500/occasion

    c

    Cancellation/Revocation-for All accounts

    40/- flat

    30/- flat

    20/- flat

  • 7. COPY OF PAID CHEQUE

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    COPY OF PAID CHEQUE

    50/per instance

  • 8. NOMINATION FACILITY

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    NOMINATION FACILITY

    Registration of nomination first time – free, thereafter 100/-for every change

  • 9. LEDGER FOLIO CHARGES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    For SB Accounts

    No folio charges

    b

    CA/OD/CC/OCC/KCC - No. of free folios , if Daily average credit balance in the account is

    Up to 50,000/-

    No free folios

    No free folios

    No free folios

    50001- 100,000/-

    3 ledger page

    RS.100,001 – 200,000/-

    5 ledger page

    RS.200,001 – 500,000/-

    10 ledger page

    Above Rs .500,000/-

    No folio charges

    100/per ledger page(40entries or part thereof shall be treated as one page)shall be collected on quarterly basis at the end of the quarter.

  • 10. NON-MAINTENANCE OF MINIMUM BALANCE  ::  (For both operative & in-operative A/cs)

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    Basic Savings Bank Accounts (BSB)

    No charges

    No charges

    No charges

    b

    SB Accounts

    Flat charge of 30/per month ( to be collected once in a month on last working day)

    c

    Current Accounts

    60/per day. Maximum 300/per calendar month

    For Senior Citizen, no charges for non-maintenance of minimum balance in SB. Branch Manager will have the discretion to waive/relax the charges for non-maintenance of minimum balance, if average balance for the preceding 3 calendar months is 10 times the applicable minimum balance for the category.

  • 11. FOR INOPERATIVE ACCOUNTS

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    SB

    If balance is below applicable minimum(other than UCD)

    Half yearly 50/- or available balance, whichever is lower

    b

    CA

    Half yearly 75/- or available balance, whichever is lower

    c

    If balance in the account is above the applicable minimum – No charge. Service charges for the in-operative accounts to be collected on half-yearly basis are in addition to charges for non-maintenance of minimum balance to be levied monthly)

  • 12. BALANCE ENQUIRY OF OLD RECORDS  ::  ( For all Accounts)

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    Enquiries up to 6 months.

    Free

    b

    Above 6.months up to 1 year

    150/-

    100/-

    50/-

    c

    Beyond 1.Year – Branch head has discretion to levy extra charges over the above based on time spent, work involved, copies of documents, cheque etc.

  • 13. ACCOUNT CLOSURE   ::  (Before 1 Year)

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    SB Accounts – with cheque book

    200/per A/c

    150/per A/c

    100/per A/c

    b

    SB Accounts – without cheque book

    100/per A/c

    75/per A/c

    50/per A/c

    c

    Current Account

    750/per A/c

    500/per A/c

    200/per A/c

    Note: No charges for closure of A/c within 14 days of opening.

    Exemption: Transfer from one branch to other, Opening another account in joint names, death of the account holder

  • 14. STANDING INSTRUCTION CHARGES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    WITHIN THE SAME BRANCH

    One time registration charges 50/per case, thereafter 35/for every debit

    c

    Exemptions : Guardian A/c to Minor A/c.

    Between A/cs of Parents and children

    Between A/cs of spouses

    From Co-obligant A/c to Borrowers A/c.

    To loan/RD/Deposit accounts of self.

    b

    TO OTHER BRANCHES AND OUTSIDE AGENCIES

    One time registration charges 50/per case, thereafter 40/for every debit+ actual remittance charges+OPE

  • 15. STANDING INSTRUCTION

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    NON-EXECUTION DUE TO INSUFFICIENT FUNDS

    For SB/CA - 75/per transaction

    For SB/CA - 50/per transaction

  • 16. EXCESS NUMBER OF WITHDRAWALS IN SB.

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    EXCESS NUMBER OF WITHDRAWALS IN SB

    If withdrawal exceeds 50 per half year, either by cheque or otherwise, 2/per withdrawal subject to a minimum of 10/-

  • 17. CHEQUE / INSTRUMENT RETURN CHARGES -LOCAL

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    INWARD INSTRUMENTS (LSC/LCC/ICC) for want of funds/similar reasons – (To be debited to our customer’s account)

    SB Accounts -

    100/per instrument

    75/per instrument

    50/per instrument

    b

    CA/OD/CC/OCC

    Up to 1 Lakh

    250/-

    250/-

    250/-

    Above 1 Lakh

    300/-

    300/-

    300/-

    a

    RETURN OF OUTWARD INSTRUMENTS ( to be collected as handling charges)

    SB Accounts

    75/per instrument

    75/per instrument

    25/per instrument

    CA/OD/CC/OCC

    100/per instrument

    75/per instrument

    50/per instrument

  • 18. CHEQUE /INSTRUMENT RETURN CHARGES - OUTSTATION

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    RETURN OF INWARD INSTRUMENTS

    SB/CA/OD/OCC

    Up to 10,000/-

    25/per instrument

    25/per instrument

    25/per instrument

    Up to 10001 – 1,00,000/-

    50/per instrument

    50/per instrument

    50/per instrument

    1,00,001 & above

    75/per instrument

    75/per instrument

    75/per instrument

    b

    RETURN OF OUTWARD INSTRUMENTS

    SB/CA/OD/OCC

    Up to 10,000/-

    25/per instrument

    25/per instrument

    25/per instrument

    Up to 10001 – 1,00,000/-

    50/per instrument

    50/per instrument

    50/per instrument

    1,00,001 & above

    75/per instrument

    75/per instrument

    75/per instrument

  • 19. ECS  ::  (DEBIT RETURN)

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    ECS (DEBIT RETURN)

    Charges as applicable to cheque return charges for different categories.

    For Bills returned un-paid

    50% of applicable collection charges with a minimum of 100/- plus postage

  • 20. BILLS COLLECTION CHARGES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Up to and inclusive of 10,000/-

    100/-

    100/-

    100/-

    Above 10,000 up to 10 lakh

    8/per 1000/- or part thereof with a minimum of 100/-

    Above 10 Lakhs

    7/per 1000/- or part thereof with a minimum of 8000/- and maximum of RS.15,000/-

    Bills : Clean/ documentary /demand/ usance including supply bills.

  • 21. DEMAND DRAFTS ISSUE -OUTSTATION

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Up to and inclusive of 1000/-

    40/-

    30/-

    25/-

    Above 1000 - up to 10,000-

    50/-

    40/-

    35/-

    Above 10,000

    4/per thousand or part thereof, minimum 50/- & maximum 12000/per DD.

    3.50/per thousand or part thereof, minimum 40/- & maximum 12000/per DD.

    3.50/per thousand or part thereof, minimum 40/- & maximum 10000/per DD.

  • 22. LOCAL DEMAND DRAFTS / P.O / BANKERS CHEQUE - ISSUE

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Up to and inclusive of 1000/-

    40/-

    30/-

    25/-

    1001 - 10,000

    50/-

    40/-

    35/-

    10001- 1 lakh

    4/per thousand or part thereof, minimum 50/-

    3.50/per thousand or part thereof, minimum 40/-

    3/per thousand or part thereof, minimum 40/-

    Above 1.Lakh

    3/per thousand or part thereof, minimum 400/- & maximum 12000/per DD.

    2.50/per thousand or part thereof, minimum 400/- &maximum 12000/per DD.

    2.50/per thousand or part thereof, minimum 400/- &maximum 7500/per DD.

  • 23. ISSUE OF DD  ::  Against tender of cash( both local/outstation)

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Up to 1000/-

    No additional charges

    Above 10,000/-

    Additional charges at 50% extra on applicable charges.. For retirement of bills against tender of cash, additional charges of 300/-flat per bill shall be collected in addition to bills collection charges.

  • 24. DEMAND DRAFTS Cancellation/revalidation.

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    DEMAND DRAFT CANCELLATION- LOCAL

    100/per DD

    100/per DD

    100/per DD

    b

    DEMAND DRAFT CANCELLATION -OUTSTATION

    Up to 10 Lakh

    100/per DD

    100/per DD

    100/per DD

    Above 10 Lakh –

    1000/per DD

    750/per DD

    500/per DD

    Note: For DD less than 500/- cancellation charges 20/- only

  • 25. DEMAND DRAFTS- Duplicate Issue

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    DEMAND DRAFTS- Duplicate Issue

    Up to RS.10,000/-

    100/per DD

    100/per DD

    100/per DD

    Above 10,000/-

    50% of applicable commission for issue of DD, with minimum of 100/per DD

    50% of applicable commission for issue of DD, with minimum of 75/per DD

    50% of applicable commission for issue of DD, with minimum of 50/per DD

  • 26. OUTWARD/INWARD COLLECTION OF CHEQUES/INSTRUMENTS

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Up to 10,000/-

    50/per instrument

    50/per instrument

    50/per instrument

    10001- 100000

    100/per instrument

    100/per instrument

    100/per instrument

    100001 & above.

    150/per instrument

    150/per instrument

    150/per instrument

    Sharing of commission on 50:50 basis is applicable for cheques sent directly to other banks for want of our branch at draweecentre.

    Collection of Dividend/Interest warrants/refund

    normal collection charges

    If value of instrument is up to 500/-, no charges & only OPE+ postage. Above 500/-, normal collection charges

     

  • 27. SIGNATURE VERIFICATION

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    SIGNATURE VERIFICATION

    100/per attestation

    75/per attestation

    50/per attestation

  • 28. NO DUE Certificate

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    NO DUE Certificate

    150/-

    100/-

    50/-

    10/- for Agriculture and Priority Sector Advances. For SHG, 10/- for each member. No charges for Govt. sponsored schemes.

  • 29. ISSUE OF CERTIFICATE FOR PASSPORT

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    ISSUE OF CERTIFICATE FOR PASSPORT

    100/per certificate

  • 30. SAFE CUSTODY CHARGES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Over and above the existing charges one time safe custody charge

    RS.100/- for all gold loans which remain overdue beyond 45 days

  • 31. SAFE DEPOSIT LOCKER RENT

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    SAFE DEPOSIT LOCKER RENT

    Urban Branch

    Semi-Urban Branch

    Rural Branch

    Locker - Small Size

    800/-

    700/-

    600/-

    Medium Size

    1000/-

    900/-

    750/-

    Large Size

    1200/-

    1000/-

    900/-

  • 32. SAFE DEPOSIT LOCKER OPERATIONS

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    No. of operations

    24 operations free/p.a & 20/per operation beyond 24 operations

    b

    Delayed remittance of rental of lockers

    RS.20/per month/fraction of a month, for the period of delay

  • 33. LOSS OF LOCKER KEY

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    LOSS OF LOCKER KEY

    200/- plus actual break open charges

  • 34. CASH HANDLING CHARGES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    SB Accounts

    No charges

    b

    CA/OD/CC

    Up to 2 Lakh

    No charges

    Above 2 Lakh

    Rs1/per thousand or part thereof, subject to a minimum of RS.100/- and maximum of 2500/per transaction.

    Note: If a customer makes two or more remittances of cash in a day, charges shall be collected, if the total remittance during the day exceeds the exempted limit of 2lakhs.

  • 35. LOSS OF TOKEN

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    Metal Token

    60/ per token

    60/ per token

    30/ per token

    b

    Gold loan token

    20/ per token

    20/ per token

    20/ per token

  • 36. ADDITION/DELETION OF NAMES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    ADDITION/DELETION OF NAMES

    200/per case/instance

  • 37. DELETION OF DECEASED NAME, MERGER OF COMPANIES.

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    DELETION OF DECEASED NAME, MERGER OF COMPANIES.

    100/-

    Not applicable

  • 38. CHANGE IN THE NAME OF COMPANIES, including RECONSTITUTION OF A/Cs.

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    CHANGE IN THE NAME OF COMPANIES, including RECONSTITUTION OF A/Cs.

    100/-

    Not applicable

  • 39. CHANGE IN THE AUTHORISED SIGNATORIES OF COMPANIES, INCLUDING CLUBS/CO-OP SOCIETIES.

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    CHANGE IN THE AUTHORISED SIGNATORIES OF COMPANIES, INCLUDING CLUBS/CO-OP SOCIETIES.

    100/ per occasion, only for CA/OD/CC.

  • 40. REGISTERING POWER OF ATTORNEY/OPERATION BY POA/MANDATE.

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    REGISTERING POWER OF ATTORNEY/OPERATION BY POA/MANDATE.

    100/p.a. for all accounts.

  • 41. HOLDING BILLS FOR COLLECTION

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Beyond 3 months after due date ( At the request of drawer/customer and subject other applicable conditions)

    Additional 25% of normal collection charges, with a minimum of 100/per quarter.

  • 42. CHANGE OF ORIGINAL INSTRUCTIONS- OUTWARD/INWARD BILLS

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Extension of time for collection/waiver of C-form etc.

    50/per request+OPE

  • 43. POSTAL TARIFF

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    Ordinary post

    Minimum 20/per envelope or actual

    b

    Regd/Courier

    Minimum 50/per envelope or actual

    c

    Telegram/Fax/Telephones (only at the request of the customer)

    Minimum 50/per message or actual

  • 44. INTERBRANCH REMITTANCE   ::  (Inter branch/ Inter Sol remittance)

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Up to 1, 00,000/-

    No charges

    1,00,001 – 5,00,000/-

    25/-

  • 45. PARCELS RECEIVED UNDER ISC/IBC

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    PARCELS RECEIVED UNDER ISC/IBC

    5/per day should be levied from the due date of payment till clearance, with a minimum of 20/-

  • 46. INTERSOL WITHDRAWAL

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    INTERSOL WITHDRAWAL

    For maximum limit of 20,000/-, no charges

  • 47. TENDERING/DEPOSIT OF CHEQUE AT DRAWEE CENTRES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    TENDERING/DEPOSIT OF CHEQUE AT DRAWEE CENTRES

    Charges as applicable to OSC charges

  • 48. CLEARING

    CLEARING

    Free

    a

    INWARD CLEARING RETURN

    100/-

    b

    OUTWARD CLEARING RETURN

    100/-

  • 49. NEFT TRANSACTIONS

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    OUTWARD TRANSACTIONS – (Charges for the remitter)

    Up to 1.Lakh

    No charge

    1,00,001 – 2 Lakh

    15/-

    Above 2 Lakh

    25/-

    b

    INWARD TRANSACTIONS – (For credit to beneficiary accounts)

    No charge

  • 50. RTGS TRANSACTIONS

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Time of receipt of request at branch

    9.00 to 12.00 Hrs

    2 Lakh to 5 Lakh

    25/per transaction

    Above 5 Lakh

    50/per transaction

    12.00 to 15.30 Hrs

    2 Lakh to 5 Lakh

    26/per transaction

    Above 5 Lakh

    51/per transaction

    15.30 to 16.00 Hrs

    2 Lakh to 5 Lakh

    30/per transaction

    Above 5 Lakh

    55/per transaction

    INWARD TRANSACTIONS

    Nil

  • 51. GOLD LOAN CHARGES   ::  (Per Account)

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    Appraisal and certification

    50 paise per Rs.100/- of loan amount, Minimum Rs.5/- and Maximum Rs.150/-

    b

    Re-appraisal charges

    5/ per account + Actual bus fare

    c

    Second Appraisal charges

    30/per account

    d

    Attending gold auction

    100/ per day

    e

    VAT on gold auction

    5% of auction proceeds

  • 52. GOLD LOAN – HANDLING & INSURANCE CHARGES   ::  ( Refer item No. 53 also)

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Loans up to 3000/-

    25/-

    3001 – 5000/-

    50/-

    Rs5001- 10,000/-

    75/-

    Rs10,001 -25,000/

    125/-

    Rs25,001- 50,000/-

    300/-

    Rs50,001 – 1.Lakhs

    350/-

    Rs1,00,001-2 Lakhs

    600/-

    Rs2,00,001 - 3 Lakhs

    700/-

    Rs 3,00,001 – 4 Lakhs

    800/-

    Rs 4,00,001 – 5 Lakhs

    900/-

    Above Rs .5 Lakhs

    1000/-

  • 53. GOLD LOAN – REFUNDABLE HANDLING CHARGES  ::  (Out of item No.52 above )

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a. Gold loan refundable handling charge

    No refund of handling charges whatever be the period of gold loan

  • 54. PROCESSING CHARGES - PRIORITY SECTOR

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    SHORT TERM LOANS

    Up to 25,000/-

    Nil

    SHORT TERM LOANS

    25001- 2 Lakh

    150/per lakh or part thereof

    SHORT TERM LOANS

    Above 2 Lakh

    200/per lakh or part thereof

    b

    TERM LOANS

    25001- 2 Lakh

    Upfront fee of 0.5% of loan amount with a minimum of 500/-

    TERM LOANS

    Above 2 Lakh

    Upfront fee of 0.75% of loan amount

    c

    VEHICLE LOANS

    Upfront fee of 0.10 % of loan amount, with a minimum of 500/-& maximum 1000/- <br>Applicable to Non - Priority Sector HL also

    d

    HOUSING LOANS

    Upfront fee of 0.50% of loan amount with a minimum of Rs. 500/- and maximum of Rs.10000/-

    e

    EDUCATION LOANS

    Inland studies: Nil & Study abroad: 1% of loan amount.

  • 55. PROCESSING CHARGES : NON PRIORITY SECTOR

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    SHORT TERM LOANS

    Up to 25,000/-

    150/-

     

    25001- 2 Lakh

    200/per lakh or part thereof

     

    Above 2 Lakh

    200/per lakh or part thereof

    For running limits, charges will be debited at the time of opening and there after annually.

    b

    TERM LOANS

    Up to 25,000/-

    100/-

     

    25001- 2 Lakh

    0.5% of loan amount with a minimum of 500/, maximum 1000/-

     

    Above 2.Lakh

    1% of loan amount with a maximum of RS.25000/-

  • 56. DOCUMENTATION CHARGES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Up to 50,000/-

    50/-

    50,001 – 2,00,000/-

    100/-

    Above 2.Lakh

    0.10% of loan amount with minimum of 250/- and maximum of 25,000/-

    Not applicable for SGSY/NRLM/VSL/LD/DRI/staff loans & Gold Loans.

  • 57. INSPECTION CHARGES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Loans up to 25000/-

    Priority Sector

    NIL

    Non-Priority Sector

    30/per inspection & maximum 360/per year

    25001 – 50,000/-

    Running Limit

    50/per inspection & maximum 600/per year

    50001 – 1.Lakh

    Running Limit

    75/per inspection & maximum 900/per year

    1,00,001 to 2 Lakh

    Running Limit

    100/per inspection & maximum 1200/per year

    2,00,001 to 5 Lakh

    Running Limit

    150/per inspection & maximum 1800/per year

    5,00,001 to 10 Lakh

    Running Limit

    200/per inspection & maximum 2400/per year

    Above 10 Lakh

    Running Limit

    250/per inspection & maximum 3000/per year

    Not applicable to loans granted under all gold loans, SGSY/NRLM/DRI/VSL/LD/OD against term deposits/staff loans. Inspection charges are to be collected at the end of the quarter


    Periodicity of inspection and inspection charges on loan accounts

    Category of Loan

    Periodicity of Visit

    Inspection Charges

    KCC & Education Loan

    Yearly one visit

    1.Loan amount up to Rs.2 lakh-Rs 200/- per inspection.
    2.Loan amount above Rs.2 lakh and
    Up to Rs. 5 lakh –Rs.250/- per inspection.
    3.Loan amount above Rs.5 lakh –Rs.300/- per inspection.

    For all other loans except Gold loans, SGSY,NRLM, DRI,VSL/LD, OD against term deposits and GCL,SHG(ISK),RFGSP(Revolving Fund-Govt. Sponsored  Programme)

    Inspection to be conducted half yearly once

    1.Loan amount up to Rs.2 lakh-Rs.200/- per inspection and maximum Rs.400/- per year.
    2.Loan amount above Rs.2 lakh and up to Rs.5 lakh-Rs.250/- per inspection and maximum Rs.500/- per year.
    3.Loan amount above Rs.5 lakh- Rs.300/- per inspection and maximum Rs.600/- per year.


    CHARGES FOR RECOVERY VISIT

     

    For all overdue loans except DRI Loans, VSL/LD, OD against term deposits,

    At every quarter.

     Loan amount up to Rs.25000/-
    Priority Sector
    Non priority sector

    NIL
    Rs.50/-

    Loan amount above Rs.2 lakh to 10 lakh

    Rs.100/-

    Loan amount above Rs.2 lakh to 10 lakh

    Rs.200/-

    Loan amount above Rs.10 lakh

    Rs.400/-

  • 58. COMMITTMENT CHARGES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    WORKING CAPITAL loans

    0.25% on the entire unutilized portion, if average utilization is 60% or less (to be levied half yearly)

    b

    TERM LOANS – irrespective of working capital limit

    1.20% of the delayed draw down beyond 2 months.

  • 59. TAKE OVER/PREPAYMENT CHARGES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    TAKE OVER/PREPAYMENT CHARGES

    2% of the outstanding liability in case of takeover of the loan by other Bank/FI

  • 60. CDB – DISCOUNTING CHARGES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    CDB – DISCOUNTING CHARGES

    Applicable collection charges plus interest @ Non-Priority maximum. (Minimum of 7 days interest to be charged)

  • 61. BANK GUARANTEE

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    PERFORMANCE GUARANTEE

    Up to 10 Lakh

    Minimum 500/- plus 0.25% per month or part thereof. Minimum commission for 6.months(1.5%) to be collected, no maximum ceiling

     

    Above 10 Lakh

    Minimum 1000/- plus 0.25% per month or part thereof. Minimum commission for 6.months(1.5%) to be collected, no maximum ceiling

    b

    OTHER THAN PERFORMANCE GUARANTEE

    Up to 10 Lakh

    Minimum 500/- plus 0.30% per month or part thereof. Minimum commission for 6.months(1.80%) to be collected, no maximum ceiling

     

    Above 10 Lakh

    Minimum 1000/- plus 0.30% per month or part thereof. Minimum commission for 6.months(1.80%) to be collected, no maximum ceiling

  • 62. DELAYED SUBMISSION OF STOCK STATEMENTS

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    DELAYED SUBMISSION OF STOCK STATEMENTS

    150/per occasion in respect of SOCC and 500/-per occasion in respect of LOCC, irrespective of the fact that the statement are submitted subsequently.

  • 63. VALUATION OF SECURITIES

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    Land and Building

    0.1% of loan amount outstanding , minimum 750/- & maximum 1500/-

    b

    Plant, Machinery, Stock, Book Debt etc.

    0.4% of the loan amount outstanding , maximum 1500/-

    c

    All items together

    0.4% of the loan amount outstanding , maximum 2000, out of which, fee for value of the landed property should not exceed 1500/-

    d

    Issuing stage certificate where building construction is involved

    250/- for each stage.

  • 64. VALUATION FOR SARFAESI

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Valuation of immovable properties

    The fee payable is fixed as 2500/-. The above fee of 2500/- is inclusive of conveyance charges, cost of photograph and other expenses.

    These are not service charges and are to be paid against the bills of the panel of valuator. The fees shall be borne by the customer, which should be collected by the branches upfront

  • 65. LEGAL CHARGES/NOTICE CHARGES OF SARFAESI

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    LSR Fee

    0.5% of the loan amount with a minimum of 1000/-and a maximum of 1500/-including registry search fee of RS.500/-. For loans above 3 Lakhs & If aggregate loan exceeds 3 Lakhs , registry verification is compulsory.

    b

    For loans upto Rs.50000/-

    Rs.250/- + actaul postage per loan account

    c

    For loans above Rs.50000/-

    Rs.500/- + actual postage per loan account and if notice is issued to more than 2 persons additional fee of Rs.100/- + actual postage for such additional notices

  • 66. IRRECOVERABLE CHARGES FOR SUIT FILING

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    Filing suit without ABJ

    750/- plus actual DTP/Photostat charges.

    b

    Filing suit with ABJ

    1000/- plus actual DTP/Photostat charges.

    c

    Filing EP

    500/- plus actual DTP/Photostat charges.

    d

    Charges for notices issued under SARFAESI

    150/- plus actual postage for Demand notices, possession notices and sale notices separately under SARFAESI action.

  • 67. CERSAI TRANSACTIONS

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    NATURE OF TRANSACTIONS TO BE REGISTERED

    a

    Creation of security interest

    250/-

    b

    Particulars of Securitization or Reconstruction of Financial Assets

    1000/-

    c

    Particulars of satisfaction of Securitization or Reconstruction transactions

    250/-

    d

    Any application of information recorded/maintained in the register by any person.

    50/-

    e

    Particulars of creation or modification of Security interest in favour of secured creditors

    For loan up to5 Lakh

    250/per creation and for any subsequent modification of security interest in favour of a secured creditor

    For loan above5 Lakh

    500/per creation and for any subsequent modification of security interest in favour of a secured creditor

  • 68. CHARGES FOR CANCELLATION OF BANK’S LIEN ON GOV SECURITIES / LI POLICIES ON CLOSURE OF THE LOAN

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    a

    Within one month from the date of closure of loan at the rate of 100/- per instrument + OPE

    b

    If lien cancellation is sought after 1 month from the date of closure of loan, charges will be 200/- per instrument + OPE

  • 69. CHARGES FOR COPY OF DOCUMENTS

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    The Bank shall invariably furnish a copy of the loan agreement along with a copy of all enclosures quoted in the loan agreement to all the borrowers at the time of sanction / disbursement of loans, even in the absence of specific request from the borrower. Other than this additional copies for specific purposes shall carry the following charges.

    Charges if copy of documents is for submission to any statutory authority

    1000/- + Actual photocopying charges

    Charges if presence of bank official is require_onced along with the documents for obtention of photo copies.

    2000/- + Actual photocopying charges + OPE

  • 70. SOLVENCY CERTIFICATE

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    Commission on Solvency Certificate shall be at the rate of 0.10% of Solvency Certificate amount with a minimum of 500/- and maximum of 20,000/- per Certificate.

  • 71. OUT OF POCKET EXPENSES (OPE)

    PARTICULARS

    Other than INDIVIDUAL

    INDIVIDUAL

    Other than RURAL

    RURAL

    All expenses actually incurred for servicing the borrowal accounts such as inspection, pre-sanction and post-sanction visits, recovery visits, insurance, valuation charges payable to approved valuators in respect of land, building, plant, machinery, vehicles, sending notices, etc. should be collected from the borrower.

  • 72. ATM TRANSACTIONS

    1. 3 Free transactions in Metros and 5 free transactions in all other centres
    2. KGB Cards are allowed for unlimited free transactions in KGB and Canara ATMs
    3. Rs.20 for Financial transaction and Rs.10 for non financial transaction over and above the permitted free transactions on other Bank ATMs.