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Service Manual Charges w.e.f. 01st April 2014
Particulars
Sr.No.
Amount of charges
Part I
1
SAVINGS DEPOSITS (OPERATIVE/ INOPERATIVE/ DORMANT)
(a)
i)
ACCOUNT OPENING & MAINTENANCE OF MINIMUM BALANCE
With cheque book
`` 1,000/-
ii)
Without cheque book
i)
PENALTY
Charges for failure to maintain
minimum balance
(b)
ii)
(c)
i)
ii)
` 300/-
` 50/- quarterly
(Including Savings Dead/ Dormant/
Inoperative A/c.)
More than 60 withdrawals in six months
(Including ATM transactions)
` 10/- per withdrawal above 60 withdrawals
(Half yearly charge)
CLOSURE OF ACCOUNTS
If closed within 2 years from the date
of opening the A/c
` 125/-
If closed after 2 years from the date of
opening the A/c.
NIL
` 5/- per cheque leaf
iii) Charges for unused cheques
surrendered/lost/stolen/misplaced to
be collected at the time of closing of A/c
(d)
i)
RETURN OUTWARD (CRC/ ECS/ discounting of cheques)
For want of funds & other reasons including
Upto Rs. 1 lac Rs. 300/stop payment
Above Rs. 1 lac & upto Rs.10 lac-Rs. 500/Above Rs.10 lac Rs.1,000/-
Note: Above charges are applicable to NRESB/NROSB
ii)
(e)
` 100/- per cheque
RETURN INWARD
(Charges for cheques received unpaid
which are sent in clearing)
(Applicable for ECS Returns also)
ISSUE OF CHEQUE BOOKS
Additional cheque book
* ` 4/- per cheque leaf.
i)
ISSUE OF DUPLICATE PASS BOOK
With present balance
` 25/-
ii)
With previous entries
` 25/- + ` 6/- per page of pass book
` 15/- per page of computer statement
(g)
SURRENDER OF UNUSED CHEQUES
FOR OPERATIVE SB A/C.
` 5/- per unused cheque leaf
(h)
Withdrawals ok without Pass Book
` 20/- per instance
(i)
Service Charges for Cash deposit
(f)
NIL
1
2
CURRENT ACCOUNTS, CC ACCOUNTS, FLXLN & SOD A/cs.
(a)
Account opening & maintenance of
minimum balance for Current A/cs
` 3,000/- for Mumbai Region Branches
` 2,000/- for Outstation Branches including
Pune & Nashik Region Branches
(b)
Charges for failure to maintain minimum
balance in any month for Current A/cs.
` 125/- per month
(including inoperative A/cs.)
(c)
Folio Charges
` 20/- per folio to current A/c &
` 10/- per foilo to CC, FLXLN & SOD A/cs
to be charged half yearly max. ` 100/-
(d)
i)
CLOSURE OF CURRENT ACCOUNT
If closed within 2 years from the date
of opening the A/c
` 500/-
ii)
If closed after 2 years
NILNIL
` 5/- per cheque leaf
iii) Charges for unused cheques
surrendered/ lost/ stolen/ misplaced to
be collected at the time of closure of
Current, CC, flexible loan & SOD A/c
(e)
ISSUE OF ADDITIONAL CHEQUE BOOK
` 4/- per cheque leaf
(f)
ISSUE OF DUPLICATE STATEMENT
OF A/CS for Current, CC, FLXLN
& SOD A/C
` 25/- for each page of statement
(g)
i)
ii)
(h)
RETURN OUTWARD (CRC/ECS/discounting of cheques)
For want of funds & other reasons including
Upto Rs. 1 lac Rs. 300/stop payment
Above Rs. 1 lac & upto Rs.10 lac-Rs. 500/Above Rs.10 lac Rs.1,000/` 50/- per cheque
CRC cheques/ ECS debit passed in TOD
(SB/ CC/ CD/ FLXN/ SOD Accounts)
iii) CRC cheques/ ECS debit passed
against uncleared balance
I) ` 50/- per cheque + int. @ 18% p.a.
on uncleared balance in Current A/c.
ii) ` 10/- per cheque in CC/FLXLN/All
types of SOD A/c
iv) Charges for cheques received unpaid
which are sent in clearing
(CSC return inward) (CD/CC/FLXLN/SOD A/cs)
` 100/- per cheque
(Applicable to loan A/c also)
v)
` 55/- per transaction
Overdrawals allowed in CC A/c by way of
cash or transfer transaction
Service Charges for Cash deposit
Free limit : 12 times of MAB (Monthly Avg.Bal) during
the calendar month
3
i) No Service Charges for Deposit of Cash for all CC A/c
Holders
ii) For Current A/c - 50 paise per Rs.1,000/- for Cash
Deposit above the free limit
TERM DEPOSITS
(a)
Issue of Duplicate receipt (to be
issued in the form of Certificate)
` 25/-
(b)
DDS accounts
Closure of account before maturity
Please contact Branch Manager
…2…
(c)
Recurring Deposit
(Penalty for delayed payment)
* ` 1.50 for every ` 100/- per month
(i.e. 15 paise per ` 10/-)
(d)
Service Charges for Cash deposits
NIL
4
LOANS & ADVANCES, CASH CREDIT, FLXLN & SOD A/CS
(a)
i)
PROCESSING CHARGES FOR NEW APPLICATIONS ONLY/ IN
PRINCIPLE ACCEPTANCE & TAKE OVER PROPOSALS ( EXCEPT HOUSING LOANS)
(NON-REFUNDABLE)
Upto ` 10 Lakh
NIL
ii)
Above ` 10 Lakh
(b)
i)
ii)
0.10% of the amount applied*
(Maximum ` 25,000/-)
SERVICE CHARGES FOR
Cash Credit, Bill Discounting (Not backed by
Letter of Credit) & WCTL
(Except OD against FDRs & FLXLN)
1.3% for first sanctioned limit & subsequently
on enhanced limit subject to max. ` 25.00 Lakh
(Per party in case of combined facilities)
For all SOD IMP A/cs
@ 1.30% on amount sanctioned
iii) For Secured Overdraft (SOD) & Loans
against collateral securities like NSCs/
RBI Bonds/ LIP/ KVP
0.70% of loan amount subject to
minimum ` 100/- maximum ` 1000
iv) TERM LOAN (All Types)
(Except loan against term deposit & FLXLN)
v)
1.3% of sanctioned limit subject to
maximum ` 25.00 Lakh (Per party in
case of combined facilities)
Gold Loans & SODGLD
@ 0.7% of loan amount subject to
minimum ` 100/- maximum ` 1000
vi) Housing Loan
0.7% of sanctioned limit
vii) Short Term Corporate Loan (STCL)
1.3% of sanctioned limit
viii) Bill discounted under LC
0.1% of sanctioned limit subject to
minimum of ` 250/-
(c)
*
i)
ii)
iii)
iv)
v)
vi)
vii)
NOTICE TO DEFAULTERS
LOANS
D-1 Notice
D-2 Notice
D-3 Notice
D-4 & Subsequent Notices
Advocate Notice
Case file charges
Visit charges per visit to borrower/
sureties for recovery purpose
` 30/` 40/` 50/` 80/- if sent by Reg. A. D. otherwise ` 50/` 500/Actual
` 150/- per visit (Only if visit notice is served)
*
i)
ii)
iii)
iv)
CASH CREDIT ACCOUNTS
D-22 Notice
D-23 Notice
Renewal reminder notice
Notice for non-operation in account
for more than 3 months
v) Advocate notice
vi) Case file charges
vii) Visit charges for recovery/
non-renewal/non-operation
`
`
`
`
50/60/60/60/-
` 600/Actual
` 150/- per visit (Only if visit notice is served)
3
viii) Non display of Bank's name board at
place of business/office/factory
premises/on machinery/on vehicle
(d)
i)
ii)
(e)
STATUTORY NOTICE
Issued u/s 13 (2) of SARFAESI Act
Reconveyance of Mortgaged Property
VEHICLE ETC.
i) Issue of NOC to RTO
ii) Issue of HPTR to RTO
iii) Seizing charges
a) Two wheeler/three wheeler
b) Light motor vehicle
c) Heavy vehicle
d) Excavators & cranes
(f) i)
ii)
` 1,500/` 2,000/` 4,000/` 10,000/- or actual outsourcing charges
as approved.
SEALING/ POSSESSION OF IMMOVABLE
PROPERTIES
a) Flat/Stall/Gala/Shop/Bunglow
` 2,000/- plus actual expenses incurred for taking
possession, police protection chgs.,etc.
b) Factory Premises/Industrial Unit
` 5,000/- plus actual expenses incurred for taking
possession, police protection chgs.,etc.
c) Possession of Flat/ Stall/ Gala/ Shop/ Bunglow
through Court
` 2,000/- plus actual expenses incurred for taking
possession, police protection chgs.,etc.
Possession of Factory Premises/ Indl. Unit through
Court
a) Sanctioned amt. upto ` 5.00 Lakh
c) Sanctioned amt. above ` 50.00 Lakh
(h)
REASSIGNMENT OF NSC/IVP/KVP
(i)
ENCASHMENT OF PLEDGED
SHARE CERTIFICATES
5
` 3,000/- plus actual expenses incurred for taking
possession, chgs of court official,police
protection,etc.
` 5,000/- plus actual expenses incurred for taking
possession, chgs of court official,police
protection,etc.
` 10,000/- plus actual expenses incurred for taking
possession, chgs of court official,police
protection,etc.
` 50/- per certificate & actual travelling
charges not exceeding ` 200/- (both
inclusive) + actual post office charges
ASSIGNMENT OF NSC/KVP
ii) ENCASHMENT OF NSC/IVP/KVP ETC.
(j)
` 2,500/` 1,000/- + actual stamp duty
` 50/` 50/-
b) Sanctioned amt. above ` 5.00 Lakh to `
50.00 Lakh
(g) i)
` 500/-
` 100/- per certificate + actual travelling cost
not exceeding ` 250/- (both inclusive) +
actual post office charges
NIL
DEMAT Shares
` 60/-per transaction + actual brokerage
ASSIGNMENT/REASSIGNMENT/
ENCASHMENT OF LIP ETC.
` 30/- per policy plus actual postage
BANK GUARANTEE (Fresh and renewals)
(a)
i)
ii)
PARTLY SECURED BY ONLY OUR BANK'S TERM DEPOSIT
Less than 50% of Bank Guarantee amount
2.50% per annum + ` 125/- (inclusive of claim
period)
50% or more but less than 100% of Bank Guarantee 1.50% per annum + ` 125/- (inclusive of claim
period)
4
iii) FULLY SECURED BY ONLY OUR BANK'S TERM
DEPOSIT
iv) Amendment without value enhancement /
extension
(b)
CHARGES FOR INVOKED BANK GUARANTEE
6
1% of BG amount subject to minimum ` 100/- &
maximum ` 1,000/Rs.300/- per amendment
` 1,000/- per Bank Guarantee
SOLVENCY CERTIFICATES/CREDIT WORTHINESS CERTIFICATES/CERTIFICATE
FOR GRANTING LOANS & ADV. (SUBJECT TO COMPLIANCE OF CONDITIONS)
Upto ` 25.00 Lakh
` 200/- per ` 1.00 Lakh or part thereof
subject to maximum ` 2,500/-
Above ` 25.00 Lakh to ` 50.00 Lakh
` 5,000/-
Above ` 50.00 Lakh to ` 1.00 Crore
` 10,000/-
Above ` 1.00 Crore to ` 10.00 Crore
` 15,000/-
Above ` 10.00 Crore to ` 25.00 Crore
` 20,000/-
Above ` 25.00 Crore
` 25,000/-
Note : 1) If certificate is issued to individuals for their ward's education purpose,
25% of the charges as mentioned above.
2) In case of extra original copy of same certificate ` 115/- per certificate.
7
ISSUE OF INLAND LETTER OF CREDIT
I
20 paise per ` 100/- per quarter
or part thereof
(a) Commitment charges
(b) Usance Charges
i) For Sight L/C
ii) Upto 6 Months Usance
20 paise per ` 100/20 paise per ` 100/- per month
or part thereof
` 50/- or actual postages whichever is higher
(c) Postage etc.
II
III
IV
Amendment without extension of period or
enhancement in the value of the L/c
` 500/-
Enhancement in value or extension of period
Recalculate committement and usance charges as per 1
(a) (b) above and difference to be levied
Advising letter of Credit
` 500/- + postage ` 50/- or actual whichever is
higher
Advising amendment to letter of credit
` 250/- + postage ` 50/- or actual whichever is
higher
20 paise per ` 100/- per quarter or part thereof +
usance charges as per tenor of the bill
Reinstatement commission for Revolving L/C
Postage etc.
` 50/- or actual postages whichever is higher
V
Retirement of Documents
30 paise per ` 100/- or part thereof minimum
` 250/- & maximum ` 10,000/-
VI
Inland LC Documents received with
discrepancies
` 500/- per set of discrepant documents to
be deducted from the proceeds.
VII
Inland Letter of credit issued through other Bank's
like HDFC Bank / Bank of India/UBI, etc.
Charges will be levied as per our charges structure above
or as per rate of charges levied by that Bank whichever is
higher. In case other Bank charges are higher, then flat
Rs.300/- to be collected in addition to other Bank's
charges
VIII
i)
ii)
Inland LC Transmission through SFMS:
Issue of Full Text L/C
Transmission of any other message
Rs.1,000/Rs.300/5
8
CHEQUES & BILLS COLLECTION
COLLECTION OF OUTSTATION CHEQUES (IBC / OBC)
(a)
i)
ii)
iii)
iv)
v)
Upto & Including ` 5000/` 25/Above ` 5000/- upto & including ` 10,000/` 50/Above ` 10,000/- upto & including ` 1,00,000/- ` 100/Inclusive of service tax
Above ` 1,00,000/` 165/Charges for return unpaid outstation
50% charges as above 8 (a) + actual
cheques
postage & ` 5/-
(b)
RTGS/NEFT INWARD/OUTWARD
CHARGES
Please Contact Branch Manager
(c)
COLLECTION OF OUTSTATION BILLS
IBC/OBC/BD/SBD
i) Upto ` 1,000/ii) Above ` 1,000/- upto ` 5,000/iii) Above ` 5,000/- upto ` 10,000/iv) Above ` 10,000/- upto ` 1.00 Lakh
v) Above ` 1.00 Lakh
` 20/` 35/` 60/` 6/- per ` 1,000/- or part thereof
` 5.50 per ` 1,000/- as part thereof subject
to minimum ` 600/- maximum ` 2,000/50% charges as above 8 (c) subject to
minimum ` 20/Actual
Handling charges - ` 25/- per bill
vi) Charges for return unpaid outstation bills
vii) Postage
viii) Supply bill discounting
` 1,000/- + Postage
(d)
Bills negotiated UNDER L/C (Handling charges)
9
PAY ORDERS ETC.
9 [I]
(a)
i)
ii)
iii)
iv)
v)
vi)
(b)
ISSUE OF PAY ORDERS
Upto ` 500/Above ` 500/- upto ` 1,000/Above ` 1,000/- upto ` 5,000/Above ` 5,000/- upto ` 20,000/Above ` 20,000/- upto ` 2.00 Lakh
Above ` 2.00 Lakh
`
`
`
`
`
`
CONCESSIONAL RATE FOR STUDENTS
EXAM FEES/PAYMENT TO COLLEGE/
UNIVERSITY, PENSIONERS & SENIOR
CITIZENS
10/15/25/30/50/100/-
50% of above charges - 9 [I] (a) subject to
minimum of ` 10/-
*` 50/-
(c) i)
Issue of Duplicate pay order/Issue of
fresh pay order against revalidation
ii) Stop payment / cancellation of pay order
*` 50/-
(d)
Issue of pay order favouring our Bank
Nil
[II]
ISSUE OF ICICI BANK/HDFC BANK
cheques under cheque drawing
arrangement
Same as pay order charges mentioned in
9 [I] (a) (full commission) to be retained by
our Bank for cancellation ` 50/- to be
collected as in case of pay orders
10
SAFE DEPOSIT LOCKERS
(a)
i)
ii)
(b)
OPENING OF LOCKERS
Key Deposit
(Includes charges for break open in cases of
non-payment of rent)
i) Small size locker - ` 7,000/ii) Medium size locker - ` 15,000/iii) Large size locker - ` 25,000/-
Service Charges
` 500/- plus franking amount
RENT PER YEAR
(1st April to 31st March)
6
i)
Small Size
Type Dimension (cms)
A
12.5x17.5x49.2
11.4x16.5x49.2
B
ii)
Medium Size
2A
2B
iii) Large Size
4A
4B
` 1000/-
15.9x21.0x49.2
15.2x20.3x49.2
12.5x35.2x49.2
11.4x33.0x49.2
` 1200/-
15.9x42.3x49.2
15.2x40.6x49.2
30.5x20.3x49.2
17.8x26.7x49.2
27.8x35.2x49.2
26.7x33.0x49.2
17.8x53.3x49.2
` 2,400/-
32.1x42.3x49.2
30.5x40.6x49.2
38.1x53.3x49.2
36.8x53.3x49.2
` 4,800/-
(c)
NUMBER OF ACCESS ALLOWED
PER QUARTER
(d)
DELAY IN PAYMENT OF RENT
Small lockers Medium lockers Large lockers -
` 2000/-
` 4,000/-
` 6,000/-
Every quarter 10 access free ` 25/per additional access over & above 10
free access in the quarter
` 25/- p.m.
` 50/- p.m.
` 75/- p.m.
(e)
BREAK OPEN OF LOCKER IN CASE OF
LOSS OF KEY/NON PAYMENT OF RENT
` 500/- plus actual charges
(f)
SURRENDER OF LOCKER*
Nil
(g)
SAFE CUSTODY CHARGES
1) Gold loan closed but pledged ornaments are
not claimed within 1 month from date of
closure (after sending the notice to the
loanee regarding the charges)
` 200/- p.m.
2) Sale of pledged gold ornaments by auction
i) Loans upto ` 5,000/-
` 150/- + applicable tax + actual gold
valuer charges
` 250/- + proportionate advertisement
charges + Applicable Tax+actual gold valuer
charges
` 300/- + proportionate advertisement
charges + Applicable Tax+actual gold valuer
charges
ii) Above ` 5,000/- upto ` 50,000/-
iii) Above ` 50,000/-
11
DEMAT SERVICE TARIFF & CHARGES
1) Account Opening Charges
NIL
2) Transaction Charges
Purchase / Credit
NIL
3) Transaction Charges
Sales / Debit
0.04% Subject to minimum of `. 21/- Per
transaction (ISIN)
4) Demat Charges
`. 3/- per Certificate (Min. `. 15/-) + `. 30/Courier Charges
7
5) Remat Charges
`. 25/- per Certificate + `. 30/- Courier Chg.
6) Account Maintenance Charges (Per annum)
`. 300/- for Individuals
`. 900/- for Others
7) Pledge / Unpledge / Invocation
`. 50/- per ISIN
8) Freeze Charge
`. 50/- per ISIN
9) Custody Fees
NIL
10) Failed Instruction Charges
`. 25/- per ISIN
11) Account Maintenance Charges (Per annum)
for Basic Services Demat Account (BSDA)
Nil for holding < `. 50,000/Holding from `. 50,001/- to `. 200,000/- AMC of `.
100/Holding > `. 200,000/- Will be charged as
applicable to Normal Demat Account.
(6 above)
Conditions:
a) The above charges are exclusive of service tax & Cess which will be charged as per the applicable
rates.
b) Annual Account Maintenance and Demat Charges are payable upfront & are not refundable.
c) All other charges are payable monthly.
d) Same day execution instructions will be accepted on a best effort basis at the sole
risk and responsibility of the client. The Bank will not be held responsible for
non-execution of same day instructions. The Bank also reserves its right to charge
an additional fee @ Rs. 25/- per ISIN.
e) Transaction / Holding cum Billing statements will be sent once in a month, provided there is a
transaction, else once in a quarter. (Additional statement charges `. 15/- per page).
f) For BSDA, Bank will provide two statements free of cost during the billing cycle. Additional physical
statement will be charged `. 25/- per statement.
12
GENERAL
(a)
ISSUE OF OUR BANK'S SHARE
CERTIFICATE (DUPLICATE)
` 10/- per certificate
(b)
TRANSFER OF SHARE CERTIFICATE
` 10/- per certificate
(c)
Issue of any other certificate by Bank
for the purpose other than for our
Bank's purpose (including verification
of signature/ recording of ECS mandate)
` 30/- per certificate / request
(d) i)
Income Tax certificate for interest on
term deposit / savings A/c or Balance
Certificate
Nil
Duplicate certificate as above
` 30/- per certificate
STOP PAYMENT INSTRUCTIONS
(All a/cs with cheque book facilities)
` 25/- per cheque per instruction
(maximum ` 500/- )
FATE ENQUIRIES (at customers request )
Savings a/c
Current, CC, FLXLN & SOD A/cs only
` 25/- per enquiry
` 100/- per enquiry
(g)
SURRENDER/LOSS OF ATM CARD
` 100/-
(h)
ISSUE OF DUPLICATE ATM CARD
` 50/-
(i)
LOSS OF CHEQUE BOOK REQUISITION
SLIP
Savings A/c - ` 25/- per request
CD/CC/FLXLN/SOD A/c - ` 50/- per request
(j)
DOCUMENTS FRANKING CHARGES
` 10/- per document
Note: Charges applilcable for Bank's Document also.
(k)
ENQUIRY RELATED TO OLD RECORDS
More than 12 months old record
ii)
(e)
(f)
i)
ii)
` 115/- per instrument / document
8
(l)
Allowing operations in account through
Power of Attorney
SB A/c. - ` 25/CD/CC A/c. - ` 100/On every change
(m)
Service charges for issue of
"Life Certificate" to Senior Citizens
NIL
(n)
Collection of charges towards
CERSAI Registration
Please Contact Branch Manager
(o)
Charges for e-payment tax on
behalf of the customers
i)Upto Rs.50,000/- - Rs.30/ii)Above Rs.50,000/- - Rs.50/*************************
Part II
1 (a)
PENAL CHARGES IN CC/ FLXLN/
SOD/ LATD TERM LOAN A/cs.
Please Contact Branch Manager
(b)
CHEQUE DISCOUNTING &
CHEQUE PURCHASE
Please Contact Branch Manager
(c)
DRAWALS AGAINST CHEQUES
PRESENTED IN CLEARING
Savings A/c (for drawals above
` 5,000/- only)
i)
ii)
Incidental charges @ 18% p.a.
Current, CC, FLXLN & SOD A/cs
Incidental charges @ 18% p.a. on uncleared
amount
************************
PART III
1 (a)
(b)
` 4/- per gm (gross)
GOLD APPRAISAL CHARGES
(To be reimbursed to gold valuer)
min ` 50/-
SUPPLY OF APPLICATION FORMS
Loan application with surety consent letter
Bank guarantee application
(including surety consent letter)
iii) Solvency certificate application
iv) Cash credit/ LC application and
two sureties
v) Composite loan/ CC/ Bank Guarantee
application for facility above ` 15.00 Lakh
i)
ii)
9
*************************
` 25/- each