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Service Charges

List of Charges




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PARTICULARS

Revised Charges ( ₨ )

1 SAVINGS DEPOSITS (OPERATIVE/ INOPERATIVE/ DORMANT)
a)  ACCOUNT OPENING & MAINTENANCE OF MINIMUM BALANCE
           With Cheque Book ₨ 1000/-
           Without Cheque Book ₨ 500/-
           No Frills A/c ₨ 100/-
b) PENALTY
           i) Charges for failure to maintain minimum balance ₨ 50/-
           ii) No Frills A/c NIL
c) CLOSURE OF ACCOUNTS (SB/SBS)
           i) If closed within 6months from from the date of opening the A/c ₨ 300/-
           ii) If closed within 1 year from date of opening the A/c ₨ 200/-
           iii) If closed within 3 years from the dt of opening the A/c ₨ 100/-
           iv) If closed after 3 years ₨ 100/-
           v) Small saving a/c if closed before 1 year Small saving a/c if closed after 1 year NIL No charges for
               activiation of Inoperative A/c
NIL
           vi) Charges for unused cheques surrendered/lost/stolen/misplaced will be collected at the time of
                closing of A/c
₨ 5/- per leaf
d) RETURN OUTWARD (CRC/ ECS/ discounting of cheques/ECS- DR/RD/NACH-DR)
           i) For want of funds & other reasons including Upto ₨ 1 lac -
              Above ₨ 1 lac & upto ₨ 10 lac-
             Above 10 lac -
₨ 200/-
           ii)  Return Inward (Charges for cheques received unpaid; which are sent in clearing)
               (Applicable for ECS/NACH Return also)
₨ 100/- per cheque
e) ISSUES OF CHEQUES BOOKS
           Additional cheque books (Personalised) ₨ 3/-PER LEAF
f) ISSUE OF DUPLICATE PASS BOOK
           i) With present balance ₨ 50/-
₨ 50/-+ per page of passbook
           ii) With previous entries ₨ 10/-
₨ 20/-per page of computer statement
g) SURRENDER OF UNUSED CHEQUES FOR OPERATIVE SB A/C ₨ 5/-
h) WITHDRAWALS OF WITHOUT PASS BOOK ₨ 3/-PER LEAF
i) Dormant account to operative Status changing ₨ 100/- per account
2 CURRENT ACCOUNTS
(Service charges applicable for CC A/cs will also be applicable for all types of SOD A/cs.,if not specified otherwise)
a) Account opening & maintenance of minimum balance for Current A/cs ₨ 3000/-
b) Charges for failure to maintain minimum balance in any month for Current A/cs ₨ 100/-
c) Incidential Charges ₨ 150/- (Half yearly)
d) Closure of Current Account
           i) If closed within 3 months from the dt of opening the A/c ₨ 500/-
           i) If closed within 3 months from the dt of opening the A/c ₨ 500/-
           ii) If closed within 1 year from date of opening A/c ₨ 500/-
           iii) If closed within 3 years from the dt of opening A/c ₨ 500/-
           iv) iv) If closed after 3 years Charges for unused cheques surrendered/stolen/misplaced ₨ 500/-
           v) to be collected at the time of closure of Current, CC A/c, flexible loan, SOD A/c ₨ 5/- per chq
(Note : Charges to be collected only for unused cheques out of last issued cheque book)
e) ISSUE OF ADDITIONAL CHEQUE BOOK 50 cheque leaves free in Current, CC, FLXLN & SOD A/c once in 3 months ₨ 5/- per chq
f) ISSUE OF DUPLICATE STATEMENT
           A/cs for current,CC ₨ 20/- per page
g) RETURN OUTWARD /ECS
           i) For want of funds & other reasons including stop payment Upto ₨ 1 lac
Above ₨ 1 lac & upto ₨ 10 lac-
Above ₨ 10 lac -
₨ 200/-
h) RETURN INWARD CTS /ECS
3 TERM DEPOSIT
           i) Issue of Duplicate receipt (to be issued in the form of Certificate) ₨ 50/-
           ii) DDS accounts Closure of account before maturity Pending
4 LOANS & ADVANCES
a) PROCESSING CHARGES FOR NEW PROPOSALS
Pre-Processing up front charges
           i) Upto ₨ 10 lakh ₨ 1000/- (Non Refundable)
           ii) Above ₨ 10 lakh 1% of Total amount + GST
           iii) Processing charges for renewal application CC/ SOD Renewal of CC/SOD 0.25 % +GST
b) NOTICE TO DEFAULTERS LOAN
           i) Notice no-1 ₨ 250/- + Postage charges
           ii) Notice no-2 ₨ 350/- + Postage charges
           iii) Notice no-3 ₨ 400/- + Postage charges
           iv) Advocate Notice ₨ 1000/- + Postage charges
           v) Case file charges ₨ 300/-per visit
           vi) Visit charges per visit to borrower/sureties for recovery purpose ₨ 300/-per visit
c) STATUTORY NOTICE
           i) Issued u/s 13 (2) of SARFAESI Act ₨ 2500/-
           i) Reconveyance of Mortgaged Property ₨ 1000/-
d) VEHICLE ETC.
           i) Issue of NOC to RTO ₨ 100/-
           ii) Issue of HPTR to RTO ₨ 100/-
           iii) Seizing charges
                a) Two wheeler/three wheeler ₨ 500/-
                b) Light motor vehicle ₨ 1000/-
                c) Heavy vehicle ₨ 2000/-
                d) Excavators & cranes ₨ 10,000/- or actual outsourcing charges as approved
e) SEALING/ POSSESSION OF IMMOVABLE PROPERTIES
           i) Symbolic Possession ₨ 2500/- + Actual whichever is more
                a) Flat/Stall/Gala/Shop/Bunglow ₨ 5000/- + Actual whichever is more
                b) Factory Premises/Industrial Unit ₨ 5000/- + Actual whichever is more
                c) Possession of Flat/ Stall/ Gala/ Shop/ Bunglow through court ₨ 10,000/- or Actual whichever is more
           ii) Possession of Factory Premises/ Indl. Unit through Court ₨ 10,000/- or Actual whichever is more
f)
           i) PLEDGE OF NSC/KVP ₨ 100 service charges + Travelling charges+ Assigment charges+Postage charges
           ii) ENCASHMENT OF NSC/IVP/KVP ETC ₨ 200/- service charges + Travelling charges+Assigment charges+Postage charges
g) REASSIGNMENT OF NSC/IVP/KVP NIL
h) ASSIGNMENT/REASSIGNMENT/ENCASHMENT OF LIP ETC. ₨100/- per policy+ Travelling + ₨ 500/- service charges & Postage (Actual)
5
a) BANK GUARANTEE (Fresh and renewals) 1% on Fresh Renewal 0.5%
b) RTGS/NEFT INWARD OUTWARD CHARGES Amount upto ₨ 10,000/- ₨ ;2.50/-
           i) Amount upto ₨ 10,000/- ₨ 2.50/-
           ii) Upto ₨ 1,00,000/- ₨ 5/-
           iii) ₨ 1,00,000/- to below ₨ 200000/- ₨ 15/-
           iv) Above ₨ 200000/- ₨ 25/-
RTGS CHARGES
           i)  ₨ 2,00,000/- to ₨ 5,00,000/- ₨ 25/-
           ii) Above ₨ 5,00,000/- ₨ 50/-
c)  COLLECTION OF OUTSTATION BILLS BC/OBC/BD/SBD PAY ORDERS ETC
           i) Upto ₨ 1000/-
           ii) Above ₨ 1000/- upto ₨ 5,000/- ₨ 25/- + Postage
           iii) Above ₨ 5000/- upto ₨ 10,000/- ₨ 50/- + Postage
           iv) Above ₨ 10,000/- upto ₨ 1 lakh ₨ 100 + postage
           v) Above ₨ 1,00,000/- ₨ 100 + ₨ 5/- per+ ₨ 1000/-
           vi) vi) Charges for return unpaid outstation bills
           vii) Postage
d) ISSUE OF PAY ORDERS
           i) Upto ₨ 500/- ₨ 10/- + tax
           ii) Above ₨ 501/- upto ₨ 1,000/- ₨ 10/- + tax
           iii)  ₨ Above 1001/- upto ₨ 5,000/- ₨ 20/- + tax
           iv) Above ₨ 5,001/- upto ₨ 20,000/- ₨ 20/- + tax
           v) Above ₨ 20000/- upto ₨ 2.00 lac ₨ 100/-
           vi) Above ₨ 50,000/- and above ₨ 1.50/- per ₨ 1,000/-
           vii) Above ₨ 2.00 lakh
e) ISSUE OF DUPLICATE PAY ORDER ISSUE OF FRESH PAY ORDER AGAINST REVALIDATION
           i) Upto ₨ 1,000/-
           ii) Above ₨ 1,000/- ₨ 50/-
           ISSUE OF HDFC BANK DEMAND DRAFT CHEQUES UNDER CHEQUE DRAWING ARRANGEMENT Same as per payorder charges
6 SAFE DEPOSIT LOCKERS
a) OPENING OF LOCKERS
           i) Key Deposit (Security Deposit)
           ii) Small size locker ₨ 10,000/-
           iii)  Medium size locker ₨ 25,000/-
           iv) Large size locker ₨ 50,000/-
b) RENT PER YEAR
(1st April to 31st March)
b) Type
           i) Small Size ₨ 1000/-
           ii) Medium Size ₨ 2000/-
           ii) Large Size ₨ 3000/-
c) NUMBER OF ACCESS ALLOWED PER QUARTER Monthly 6 access free Above 6 access ₨ 10/- per access
d) DELAY IN PAYMENT OF RENT
           i) Small lockers - ₨ 50/- p.m
           ii) Medium lockers - ₨ 75/- p.m
           iii) Large lockers - ₨ 100/- p.m
e) BREAK OPEN OF LOCKER IN CASE OF LOSS OF KEY/NON PAYMENT OF RENT ₨ 2500/- new lock + Visit charges
f) SURRENDER OF LOCKER ₨ 100/- to be adjusted from key deposit + Visit charges
g) SAFE CUSTODY CHARGES
           i) Gold loan closed but pledged ornaments are not claimed within 1 month from date of closure
            (after sending the notice loan regarding the charges)
₨ 100 per month
           ii) Sale of pledged gold ornaments by auction
                a) Loans upto ₨ 5,000/-
                b) Above ₨ 5,000/- upto ₨ 50,000/-
                c) Above ₨ 50,000/- ₨ 200+ GST+ ACTUAL EXPENSES
7 GENERAL
a) ISSUE OF OUR BANK DUPLICATE SHARE CERTIFICATE ₨ 25/- per certificate
b) TRANSFER OF SHARE CERTIFICATE ₨ 100/- per certificatee
a) ISSUE OF ANY OTHER CERTIFICATE BY BANKFOR THE PURPOSE OTHER THAN FOR OUR BANKRS PURPOSE (including verification of signature/ recording of ECS mandate) ₨ 100/- per certificate
d) SMS NOTIFICATION CHARGES (for SB/CD & all types of CC A/cs) ₨ 50/- per year
e) i) INCOME TAX CERTIFICATE FOR INTEREST ON TERM DEPOSIT
   SAVINGS A/C OR BALANCE CERTIFICATE ₨ 50/- only for term loan (not for housing loan)
f) STOP PAYMENT INSTRUCTIONS (All a/cs with cheque book facilities) ₨ 200/- per cheque
g) FATE ENQUIRIES (at customers request )
           i) Savings a/c) ₨ 50/-
           i) Current. CC & SOD A/Cs only ₨ 50/-
h) SURRENDER/LOSS OF ATM CARD Only for Loss ₨ 100/-
i) ISSUE OF DUPLICATE ATM CARD Additional Card ₨ 150/-
j) LOSS OF PIN/ PASSWORD RETRIVE ₨ 50/-
k) LOSS OF CHEQUE BOOK REQUISITION SLIP ₨ 10/-
l) DOCUMENTS FRANKING CHARGES Actual + ₨ 10/- per document
m) ENQUIRY RELATED TO OLD RECORDSMore than 12 months old record ₨ 25/- per instrument
n) ALLOWING OPERATIONS IN ACCOUNT THROUGH POWER OF ATTORNEY ₨ 100/- per on every change
o) SERVICE CHARGES FOR ISSUE OF "LIFE CERTIFICATE" TO SENIOR CITIZENS ₨ 25/-
p) COLLECTION OF CHARGES TOWARDS CERSAI As per BOD dt 10.10.17
q)  CHARGES FOR e-payment TAX ON BEHALF OF THE CUSTOMERS ₨ 25/-
r) INWARD ECS MANDATE ₨ 100/- per on every change
           i) Inward mandates received from NPCI for approval and debit to accounts with us. ₨ 50/-
           ii) Mandates received by our Branches from our customers for credit of loan, etc. accounts with other
               institutions, Banks, (debit to acccounts with us) etc. scanned and uploaded by us to NPCI.
₨ 50/- per instance
           iii) Mandates received from our customers for repayment of Loan installments (loan accounts with us)
               etc., scanned and uploaded by us to NPCI
₨ 50/- per instance
s) ECS RETURN CHARGES FOR LOAN
           i) Our Bank will present ECS/ACH recovery of installment between 7th and 15 th of the month. If the transaction
             is Returned with the reason ₨ Funds insufficient ₨ representation of the transaction will be done between 7th
             and 15th of the month
₨ 50/- per instance
Return Charges will be as follows:
           i) If the transaction is successful, that is repayment received by either presentation. ₨ 200/-
           ii) If transaction is returned unpaid on both occasions. ₨ 200/-
           iii) Stop payment instructions of NACH ECS-ACH Debit mandates given by custome ₨ ₨ 50/-
t) SERVICE CHARGES FOR CASH DEPOSIT Free Limit - 25 Pending
 LAKH DURING A MONTH Pending
u) PENALTY CHARGES IN CC/ FLXLN
           i) SOD/LATD/TERM LOAN A/CS As per credit policy
           ii) CHEQUE DISCOUNTING & CHEQUE PURCHASE (In case payment salary cheque is effected as per rules, no
              services charges to belevied, also in case of discount of our Bank order no charges/ interest to be collected)
Optional
           iii) DRAWALS AGAINST CHEQUES PRESENTED IN CLEARING
                a) (Savings A/c (for drawals above ₨ 5000/- only)
                b) Current, CC, OD, SOD /OD-GOLD/SOD/NSC/KVP8LIC/STFF OD
GOLD APPRAISAL CHARGES up to ₨ 2.00 lakh. Charges are ₨ 200/-
( To be reimbused to gold valuer ) up to ₨ 3.00 lakh. Charges are ₨ 300/-
SUPPLY OF APPLICATION FORMS
           i) Loan application with surety consent letter
           ii) Bank gurantee application form
           iii) Solvency certificate application
           iv) Cash Credit/ LC application and two sureties
           v) Compose loan /CC/ Bank Gurantee application for facility ₨ 50/-
v) CIBIL charges
 Remark
18% GST rate as per government policy
On the basis of Bill generated by CIBIL company + ₨ 25/- service charges



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