Particulars

Charges

Savings Bank A/c - No frills A/c

Jan Bachat Khata

Minimum Balance

Rs. 50/-

Charges for non maintenance thereof

Nil

Saving Bank Accounts with Cheque facility

Minimum Balance

Rural – Rs.500/-
S/U - Rs.500/-
Urban – Rs.500/-

Charges for non maintenance thereof

Rural : Rs. 28/- per month
SU : Rs.56/- per month
Urban : Rs.56/- per month

Saving Bank Accounts without Cheque facility

Minimum Balance

Rural – Rs.250/-
S/U - Rs.500/-
Urban – Rs.500/-

Charges for non maintenance thereof

Rural : Rs.17/-- per month
SU : Rs.56/- per month
Urban : Rs.56/- per month

Other savings bank account facilities

Issue of Duplicate Statement

Rs. 50/- per Duplicate Statement with latest balance only. Charges for previous entries (if required) Rs. 50/- per ledger page or part thereof.
Note :
For accounts maintained on computers, 30 entries or part thereof be treated as one ledger page

Issue of loose cheque leaves

40 leaves will be free in a financial year. Free supply of cheque books in a SB a/c will be on pro-rata basis, i.e. 20 cheque leaves for -6- months and/or part thereof. ) Subsequent cheque book @ Rs. 2.75 per leaf.

Issue of duplicate pass book

Rs. 50/- per Duplicate pass book with latest balance only. Charges for previous entries (if required) Rs. 50/- per ledger page or part thereof.
Note :
For accounts maintained on computers, 30 entries or part thereof be treated as one ledger page

Mode of calculation of minimum balance

If balance on any day during the calendar month remains below the stipulated minimum balance then it is reckoned as balance below minimum balance for the entire month which will attract service charges.

Particulars

Charges

DD/BC - Issue

Through personal A/c
UptoRs.10000/-   -- Rs.25/-
Above Rs.10000/- --Rs.3 per Rs.1000/- or part thereof.
                                Minimum Rs.35/-, Maximum Rs.12000/-
Other cases
UptoRs.1000/-   -- Rs.20/-
Above Rs.1000/- to Rs.10000/- -- Rs.35/-
Above Rs.10000/- -- Rs.3 per Rs.1000/- or part thereof.
                                Minimum Rs.35/-, Maximum Rs.12000/-
Note : Against tender of cash for any mode of remittance--> 50% higher charges over above floor rates.

DD/BC-Cancellation

 Rs.75/- per instrument.

DD/BC-Duplicate

50% of the amount of instrument. Maximum Rs.100/- per instrument.

DD-Revalidation

50% of the amount of instrument. Maximum Rs.100/- per instrument.

Collection of Cheques

Including Service Tax w.e.f. 01.06.09

A) Through our bank's branches
In personal & other A/c
Up to Rs.10000/- -- Rs.56/-
Above Rs.1000/- to Rs.100000/- -- Rs.111/- -
Above Rs.100000/- -- Rs.166/-

B) Through our branch for another bank
Service charges will be distrbuted 50:50, in case of collection for other Banks including BOB

C)Collection through other banks
Charges to be recoverd as per above

Note: No additional postage / courier / other expenses will be charged
 

Particulars

Charges

Processing Charges

- 0.552% for OD

- Loans above 50000 to 2 lac – 0.552% (Minimum Rs.276/-)
- Loans above 2 lac to 1 crore – 0.276% (Minimum Rs.1103/-)
- Loans above 1 crore - 0.221% (Minimum Rs.27575/-, Maximum Rs.551500/-)

- Loans above 50000 to 2 lac – No Charges
- Loans above 2 lac to 1 crore – No Charges
        - Loans above 1 crore - No Charges

- Loans above 50000 to 2 lac – 0.552% (Minimum Rs.276/-)
- Loans above 2 lac to 1 crore – 0.276% (Minimum Rs.1103/-)
        - Loans above 1 crore - 0.221% (Minimum Rs.27575/-, Maximum Rs.551500/-)

- Loans above 50000 to 2 lac – 0.552% (Minimum Rs.276/-)
- Loans above 2 lac to 1 crore – 0.276% (Minimum Rs.1103/-)
        - Loans above 1 crore - 0.221% (Minimum Rs.27575/-, Maximum Rs.551500/-)

- Loans above 50000 to 2 lac – 0.552% (Minimum Rs.276/-)
- Loans above 2 lac to 1 crore – 0.276% (Minimum Rs.1103/-)
- Loans above 1 crore - 0.221% (Minimum Rs.27575/-, Maximum Rs.551500/-)

- Loans above 50000 to 2 lac – 0.552% (Minimum Rs.276/-)
- Loans above 2 lac to 1 crore – 0.276% (Minimum Rs.1103/-)
- Loans above 1 crore - 0.221% (Minimum Rs.27575/-, Maximum Rs.551500/-)

Documentation Charges

(Applicable for all retail loan products)

No Dues Certificate

For borrower under priority sector – NIL
Others – Rs.125/- per occasion (Rural Branches Rs.15/- per occasion)

Solvency Certificate

Upto Rs.5/- lacs ---- Rs.552/-
Above Rs.5/-lac--- Rs.111/- per lac & part thereof subject to maximum of Rs.16,545/-
For Students: 50% or Max. Rs.1,655/-

Charges for late payment of EMI

2% p.a. on overdue amount for overdue period.

Particulars

Charges

Balance Certificate/ Interest Certificate

Rs.25/- per certificate (for individuals)
Rs.35/- per certificate for others.

Account closure

Premature closure of A/cs -(within a year)
SB A/c - Rural/SU : Rs.75/-
              Urban      : Rs. 150/-

Current Account : Rs. 150/-

Recurring Deposit : Rs.75/-
 
Closure of Account due : No charges to death of Account Holder

Signature attestation

Rs.50/- per occasion

Stop Payment Charges

Savings Bank. – Rs.100/- per instrument
C.A./C.C./OD - Rs.200/- per instrument

In case of loss of complete blank cheque book
Savings Bank – Rs.200/-
C.A./C.C./OD – Rs.400/-

Inoperative account

A) Inoperative Savings Bank a/cs.

1. Account maintaining stipulated minimum balance - Nil
2. Account not maintaining stipulated minimum balance Rs.83/- per half year.

B) For inoperative Current Account
— Rs.113/- per half year.