SUGGESTION/COMPLAINTS

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Charges

Charges

S.N Category Existing Charges Revised Charges + GST at applicable rates
1 Issuance of Demand Drafts (General Public excluding students)
Upto Rs. 5000/- Rs. 25/- Rs. 25/-
Drafts above Rs. 5000/- upto Rs. 10000/- Rs. 30/- Rs. 40/-
Drafts above Rs. 10000/- Rs. 2.50 per 1000/- or part thereof, min Rs. 35/- Rs. 4.00 per 1000/- part thereof, min Rs. 50/- and maximum Rs. 5000/-
For salary account holders / pension account holders Free
Demand Drafts: Revalidation, cancellation, issuance of duplicate demand drafts
Upto Rs. 1000/- Rs. 50/- Rs. 100/- per instrument
*Plus actual expenses for having taken up the matter with the drawee branch.
For students: If demand draft(s) were issued for educational purposes, students will be required to pay Rs. 10/- per instrument in respect of b(i)
2 Issuance of Bank Cash orders, pay orders / banker cheques
Amount upto Rs. 1000/- Rs. 25/- Rs. 25/-
Amount above Rs. 1000/- upto Rs. 5000/- Rs. 30/- Rs. 30/-
Amount above Rs. 5000/- upto Rs. 10000/- Rs. 35/- Rs. 35/-
Amount above Rs. 10000/- upto Rs. 1.00 Lakh Rs. 3/- per 1000/- or part thereof min Rs. 45/- Rs. 3/- per 1000/- or part thereof min Rs. 45/-
Amount above Rs. 1.00 Lakh upto Rs. 5.00 Lakh Rs. 2.50 per 1000/- or part thereof min Rs. 250/- Rs. 2.50 per 1000/- or part thereof min Rs. 250/-
Amount above Rs. 5.00 Lakh Rs. 1.50 per 1000/- or part thereof min Rs. 2000/- and max Rs. 15000/- Rs. 1.50 per 1000/- or part thereof min Rs. 2000/- and max Rs. 15000/-
3 NEFT / RTGS
Upto Rs. 10000/- Rs. 2.50/-
Above Rs. 10000/- to Rs. 100000/- Rs. 5.00/-
Above Rs. 100000/- to Rs. 200000/- Rs. 15.00/-
Above Rs. 200000/- Rs. 25/-
Above rates are subject to addition of actual postage
4 Collection Charges:
Collection of local cheques for clearing Free Free
Collection of outstation cheques, Demand Drafts, Refund voucher
Amount upto Rs. 5000/- Rs. 25/- Rs. 25/-
Amount above Rs. 5000/- upto Rs. 10000/- Rs. 30/- Rs. 50/-
Amount above Rs. 10001/- upto Rs. 100000/- Rs. 35/- Rs. 100/-
Amount above Rs. 100000/- Rs. 3.50 per 1000/- or part thereof min Rs. 50/- Rs. 200/-
5 Collection of Bills
Amount upto Rs. 10000/- Rs. 30/- Rs. 100/-
Amount above Rs. 10000/- Rs. 40/- Rs. 8/- per 1000/- or part thereof min Rs. 100/- and maximum Rs. 5000/-
Collection of Outstation Gift Cheques At par plus out of pocket expenses At par plus out of pocket expenses
Collection of other banks deposits Receipt on maturity Remittance charges applicable Remittance charges applicable
6 Returning charges: cheques / Bills returned unpaid:
Returning Charges / Handling charges
Outstation cheques / bills (IBC / OBC) 100% of collection charges min. Rs. 50/- 100% of collection charges min. Rs. 50/-
Local cheques / bills returned unpaid Rs. 50/- Rs. 50/-
Upto Rs. 10000/-
Inward Clearing return unpaid: Dishonor of cheques for want of funds or for any other reasons not attributable to the Bank levi-ability of charges of interest to drawers account (for cheques where drawer has requested to stop payment, charges to be levied only once i.e. at the time of accepting the instructions for stop payment and no charges be levied while actually returning such instruments through clearing.) 		Rs. 200/- Rs. 150/-
Above Rs. 10000/- Rs. 250/-
Above rates are subject to addition of actual postage and out of pocket expenses
7 Standing Instructions
8 Allowing operations through power of attorney / mandate Individual Rs. 50/- per occasion (other than in case of deceased)
Other than individual Rs. 100/- 		Rs. 100/-
9 Change of authorized signatory in accounts Individual Rs. 50/- per occasion (other than in case of deceased)
Other than individual Rs. 100/- 		Rs. 100/-
10 Change of name, operating instructions in accounts Individual Rs. 50/- per occasion (other than in case of deceased)
Other than individual Rs. 100/- 		Rs. 100/-
11 SI from own account to own account NIL NIL
SI from own account to other account Rs. 50/-
12 Stop payment instructions Rs. 50/- per instrument max Rs. 200/- Rs. 100/- per instrument max Rs. 500/-
Standing instructions with transaction in the same branch and same names NIL NIL
Standing instructions with transaction in the same branch but different names Rs. 20/- Rs. 20/-
Standing instructions with transactions involving another branch Rs. 20/- plus remittance and postage charges Rs. 20/- plus remittance and postage charges
13 Change in Mobile no. Rs. 50/-
14 Statement of accounts charges
(One statement consists of a max. of 40 entries)
Current Account One statement to be provided free in a month,
Rs. 50/- for additional statement 		One statement to be provided free in a month,
Rs. 25/- per page
15 Cash Credit limit One statement to be provided free in a month,
Rs. 50/- for additional statement 		One statement to be provided free in a month,
Rs. 25/- per page
16 Saving Bank Account One statement to be provided free in a month,
Rs. 20/- for additional statement 		Passbook entry free.
One statement to be provided free in a month,
Rs. 20/- for additional statement
17 Loan Account One statement to be provided free in a month,
Rs. 50/- for additional statement 		One statement to be provided free in a month,
Rs. 50/- for additional statement
18 Daily or weekly account statement Rs. 600/- in lumpsum and
Rs. 50/- for repeated request 		Rs. 25/- each request
19 Incidental charges
20 Minimum Balance default (Monthly Average Balance)
Saving Bank account with cheque book facility Rs. 1000/- min. balance
Rs. 30/- for default 		Rs. 1000/- min. balance
Rs. 20/- for default per day
max Rs. 500/- per half year
Saving Bank account without cheque book facility Rs. 500/- min. balance
Rs. 20/- for default 		Rs. 500/- min. balance
Rs. 10/- for default per instance
Current Account: individuals Rs. 2000/- min. balance
Rs. 50/- for default 		Rs. 2000/- min. balance
Rs. 50/- for default per day
max Rs. 1000/-
Current Account: other than individuals Rs. 3000/- min. balance
Rs. /- for default 		Rs. 3000/- min. balance
Rs. 50/- for default per day
max Rs. 1000/-
If the balance falls below the minimum during the month the penalty charges will be levied for full month. If the balance in the account is less than penalty charges account will be closed under intimation to the customer by ordinary post. The charges however shall not be applicable in case of “no frill” account, deceased accounts and Govt. Semi Govt. or trust / Association accounts.
21 Account Closure charges
For closing S/b account within one year of their opening Rs. 50/- (except in case of death of customers) Rs. 100/- (except in case of death of customers)
For closing current account within one year of their opening Rs. 50/- (except in case of death of customers) Rs. 200/- (except in case of death of customers)
For closing RD account within one year of their opening Rs. 50/- (except in case of death of customers) No charges
Salary Account within one year of their opening Rs. 500/- except in case of death of customers
22 Penalty charges for depositing delayed installments in RD accounts Rs. 2/- per 100/- per month Rs. 2/- per 100/- per month
23 Ledger Folio charges – Current account Rs. 60/- folio of 40 entries per half year Rs. 50/- folio of 40 entries
24 Saving Bank However if the monthly average credit balance is more than Rs. 50000/- five free folios be provided Free
Cheque Book charges
Issuance of saving cheque books Free 50 cheque leaves per 6 months,
Rs. 50/- for additional 25 folios 		One cheque book upto 25 leaves free per 6 months,
Rs. 50/- for additional 25 folios
Issuance of current account / CC cheque books Free One cheque book upto 50 leaves free per 6 months,
Rs. 50/- for additional 25 folios
Transfer of entire balance in saving bank account to some other bank Normal remittance charges Normal remittance charges
25 Interest certificate in deposits account One certificate to be issued free of cost every year,
Rs. 50/- for additional request 		One certificate to be issued per quarter free of cost,
Rs. 50/- for additional request
26 Balance certificate / other certificate, deposit account One certificate to be issued per quarter free of cost,
Rs. 150/- for additional request
27 Issuance of duplicate statement / passbook
Only with latest balance Rs. 40/- Rs. 50/-
For previous entries; per entry / record Rs. 1/- per entry per record max Rs. 200/- Rs. 25/- per page
Issuance of duplicate Fixed Deposit Receipt Rs. 50/- per receipt Rs. 100/- per receipt
28 Service Charges on loans and advances
Processing charges – Loans under Priority Sector Rs. 100/- per lakh or part thereof max Rs. 2500/- Rs. 150/- per lakh or part thereof max Rs. 3000/-
Loans under non priority Sector Rs. 250/- per lakh or part thereof max Rs. 2500/- Rs. 250/- per lakh or part thereof max Rs. 5000/-
C.C. limits upto Rs. 25000/- NIL NIL
C.C. limits above Rs. 25000/- upto Rs. 2.00 Lakh 0.30% of the limit or part thereof min Rs. 200/- max Rs. 400/- 0.30% of the limit or part thereof min Rs. 200/- max Rs. 400/-
C.C. limits above Rs. 2.00 Lakh under P.S. Rs. 100/- per lakh or part thereof max Rs. 2500/- Rs. 100/- per lakh or part thereof max Rs. 2500/-
C.C. limits above Rs. 2.00 Lakh under non P.S. Rs. 100/- per lakh or part thereof max Rs. 2500/- Rs. 100/- per lakh or part thereof max Rs. 2500/-
Note:
1) In case of renewal of the cash credit limits the normal charges as above are applicable every time a limit is renewed.
2) 50% of the applicable processing charges will be recovered at the time of submission of the proposal and the rest 50% at the time of disbursal. If the proposal is not sanctioned or not availed after sanction, the refund shall not be allowed.
3) The service charges will be levied only if dividend is being paid to borrower in their shares.
4) In case dividend is not being paid to borrowers, the service charges will be levied to that extent, if the borrowers make default in repayment of loans / advances.
Loans against NSC, KVP and LIC policies Rs. 50/- Rs. 100/-
Supervision charges / incidental charges on C.C. limits (individual) Rs. 1000/- per year Rs. 1000/- per year
29 Issuance of cheque books for LABOD Free 25 leaves, Rs. 50/- for additional 25 leaves Free 25 leaves, Rs. 50/- for additional 25 leaves
30 Interest Certificate / balance certificate / other certificate One certificate to be issued free of cost every year,
Rs. 50/- for additional request 		One certificate to be issued free of cost every year,
Rs. 100/- for additional request
31 Other Services
Attestation of signatures / photographs Rs. 25/- Rs. 25/-
32 Old Record inquiries
Upto one year record Rs. 50/- per reference / request / document per sheet Rs. 50/- per reference / request / document per sheet
Beyond one year old record Rs. 100/- per reference / request / document per sheet Rs. 100/- per reference / request / document per sheet
33 Balance inquiry Free Free
34 CIC Charges
  Consumer CIR Rs. 100/-
  Commercial CIR Rs. 500/-
35 Renewal of CC limit Half of the charges as above
36 Charges for loss of token Rs. 100/- per token Rs. 100/- per token
37 Issuance of No Dues / NOC except Priority Sector Loans Rs. 50/- Rs. 50/-
38 Attestation / verification of documents Rs. 150/-
Please Note:
1) All service charges are applicable inclusive of Service Tax and education cess. Incumbent shall remit the service tax inclusive of education cess to the concerned quarter after calculation the proceeds at the end of the month.
2) Postage contained in this annexure is defined as under: Ordinary post Rs. 10/- or actual charges whichever is higher. Speed post/registered charges/post/courier Rs. 30/- or actual charges whichever are higher.
3) All Govt. accounts maintained by the bank shall be fully exempted from levy of all type service charges.
4) 10% concession shall be applicable to the institutions falling under the cooperative fold, Boards, corporations, Welfare trust, ex-serviceman and senior citizen on issue of drafts, money transfers and collection of cheques etc. over the prevailing rates.
5) Staff members/ex-employees of the bank are exempted from charges on issue of drafts.