Service Charge

Sr. No

Particulars

1

PROCESSING CHARGES

a)Fresh Working Capital Limit

Priority Sector & Non-Priority Sector

Upto Rs.2.00 Lakh - NIL

Above Rs.2.00 Lakh to Rs.5.00 crore or part thereof

Rs.350.00 per Lakh.

b) For Term Loan

Priority Sector

Upto Rs.25000.00 -  NIL

Above Rs.25000.00 – 1.20% of loan amount

Non-Priority Sector

Upto Rs.25000.00 -  NIL

Above Rs.25000.00 – 1.20% of loan amount

2

Processing Charges in case of enhancement of Working Capital Limit

Priority Sector & Non-Priority Sector

Upto Rs.2.00 Lakh - NIL

Above Rs.2.00 Lakh to Rs.5.00 crore or part thereof

Rs.350.00 per Lakh.

3

Renewal Charges of Working Capital Limit(Without Enhancement)

Upto Rs.2.00 Lakh - NIL

Above Rs.2.00 Lakh to Rs.5.00 crore or part thereof

Rs.350.00 per Lakh

4

Term Loan: Review/Renewal Charges

(Except Retail Credit)

0.100% of Limit or part thereof

5

Loans & Advances against liquid instruments ,namely Bank’s own Term deposit/Fixed deposit etc

No processing charges to be realised

6

Against NSC / LIP / KVP etc

Upto Rs.25000.00 -  1.00 % of Loan amount

Above Rs.25000.00 – 1.50% of Loan amount

7

Charges giving copies of documents

(copies if sought by the customer for submission to any statutory authority)

Actual photocopying Charges + Rs.1500/-

8

Providing Credit Report at the request of client

Rs.1500.00 per occasion.

9

Prepayment of Term Loan

Upto Rs.5.00 Lac – NIL

Above Rs.5.00 Lac -- @ 1.50 % to be realised

10

DOCUMENTATION CHARGES

Upto Rs.25000.00

NIL

Above Rs.25000.00 to Rs.50000.00

Rs.250.00

Above Rs.50000.00 to Rs.2.00 lakh

Rs.1400.00

Above Rs.2.00 lakh to Rs.5.00 lakh

Rs.3200.00

Above Rs.5.00 lakh to Rs.20.00 lakh

Rs.3550.00

Above Rs.20.00 lakh to Rs.1.00 crore

Rs.6000.00

Above Rs.1.00 crore to Rs.5.00 crore

Rs.8000.00

11

INSPECTION / SUPERVISION CHARGES

Upto Rs.25000.00

NIL

Above Rs.25000.00 to Rs.1.00 lakh

Rs.200.00 per Inspection

Above Rs.1.00 lac to Rs.2.00 lakh

Rs.250.00 per inspection

Above Rs.2.00 lakh to Rs.5.00 lakh

Rs.350.00 per Inspection

Above Rs.5.00 lakh to Rs.10.00 lakh

Rs.1750.00 per inspection

Above Rs.10.00 lakh to Rs.20.00 lakh

Rs.2500.00 per inspection

Above Rs.20.00 lakh to Rs.50.00 lakh

Rs.4000.00 per inspection

Above Rs.50.00 lakh -

Rs.8500.00 per inspection

In case of Outstation Inspection

In addition to the above charges, actual expenses paid by the Bank Officials against TA, Halt age etc. to be realised.

12

GUARANTEE

Financial & Performance Guarantee with 80 – 90 % cash margin

@ 1.70% per annum

Financial & Performance Guarantee with 80 – 90 % cash margin

@ 10.90 % per annum

Renewal of Guarantee

The charges are same as those applicable for issuance of fresh Guarantee

13

SOLVENCY CERTIFICATE

Upto Rs.1.00 lakh

Rs.1000/-

Above Rs.1.00 lakh to Rs.5.00 lakh

Rs.3000/-

Above Rs.5.00 lakh to Rs.10.00 lakh

Rs.5000/-

Above Rs.10.00 lakh to Rs.15.00 lakh

Rs.8000/-

Above Rs.15.00 lakh to Rs.20.00 lakh

Rs.11000/-

Above Rs.20.00 lakh to Rs.25.00 lakh

Rs.14000/-

Above Rs.25.00 lakh  --

@1.10 % of amount or part thereof

14

Saleable Loan Forms/Booklet

Rs.50/- per Set/Booklet

15

COMMITMENT  CHARGES

Term Loan

@0.55 % per annum (p.a) on the balance of Term Loan remaining undrawn portion( to be realized at the end of each Quarter)

Working Capital Limit

( both Fund & Non Fund)

@0.55 % per annum (p.a) on the balance of Term Loan remaining undrawn portion( to be realized at the end of each Quarter)

Prepayment of Term Loan

Upto Rs.5.00 lac –NIL

Above Rs.5.00 lac-if loan is taken over, prepayment charges @1.20% to be realised.

16

CIBIL Charges

Individual Rs.75.00 for each search

17

Charges for Ad-hoc Sanction for Priority & Non Priority Sector

Upto Rs.2.00 Lac—Rs.1050.00

Above Rs.2.00 Lac to Rs.10.00 Lac—Rs.3600.00

Above Rs.10.00olac to Rs.1 Crore—Rs.25500.00

18

Processing Fee

Name of Scheme

Housing Loan(Incl.Pensioners Housing Loan)

0.60%,minimum Rs.1200.00,maximum Rs.12000/-

Consumar Loan

0.60%

Car/Two /Three wheeler/Toto Loan & other vehicle Loan

0.60%

Minimum Rs.1000.00,

Maximum Rs.12000.00

Personal Loan to Salarised Person

1.20%

Personal Loan to Pensioners

1.20%

Education Loan

Upto Rs.4.00 lac -NIL

Above Rs.4.00 lac to Rs.7.50 lac—0.60%

Above Rs.7.50 lac-0.80%

Prepayment of Term Loan

Upto Rs.5.00 lac –NIL

Above Rs.5.00 lac-if loan is taken over, prepayment charges @1.20% to be realised.

Sr. No

PARTICULARS

1

Collection of Outstation Cheques

Upto Rs.5000.00

Rs.40.00

Above Rs.5000.00 – 10000.00

Rs.70.00

Above Rs.10000.00 to 100000.00

Rs.150.00

Above Rs.100000.00

Rs.250.00

Note:-In all the cases Postage & other expenses will be realised on actual basis

2

Collection of Bills

Upto Rs.5000.00

Rs.130.00

Above Rs.5000.00 – 100000.00

Rs.15.00 per thousand or part thereof + Rs.40.00

Minimum Rs.150.00

Above Rs.100000.00

Rs.15.00 per thousand or part thereof + Rs.40.00

Minimum Rs.1200.00 Maximum Rs.15000.00

3

Handling Charges

For Bills & Cheque Returned unpaid(outward)

Local Cheques & Billa

Rs.170.00 per instrument, otjer bank charges extra.

(postal & out of pocket expenses are to be realised additionally)

Outstation Cheques & Billa

Rs.250.00 per instrument, otjer bank charges extra.

(postal & out of pocket expenses are to be realised additionally)

In all the cases Postage & other expenses will be realised in full

4

Cheque Return Charges

Return outward clearing Cheque

Individual Rs.300.00

(10% rebate for Senior Citizens)

Return of outstation Cheques

Rs 300.00 per Instrument + other Bank Charges for OCC

Return of inward clearing of Cheques

Individual Rs.300.00

(10% rebate for Senior Citizens)

Collection through Other Bank

Sharing of Commission when instrument is collected through branch of another Bank.

Service Charges

(Uniform to all category Branches)

At centres where the remitting Bank has no branch and the bills/cheques are sent for collection to a branch of another Bank,the commission on bills and cheques should be shared by the remitting bank and the collecting Bank on 50:50 basis.

5

Collection of Interest/Dividend warrant directly received by the Branch

Service Charge

Rs.50.00 per instrument

6

R T G S

Rs.2.00 lac to Rs.5.00 lac

Rs.35.00 Per transaction

Above Rs.5.00 lac

Rs.65.00 per transaction.

7

N E F T

Value Band

Through Internet

Banking

Others

Upto Rs.10000.00

NIL

Rs.5.00

Above Rs.10000.00 to Rs.1.00 Lac

Rs.10.00

Rs.15.00

Above Rs.1.00 Lac to Rs.2.00 Lac

Rs.20.00

Rs.25.00

Above Rs.2.00 Lac

Rs.30.00

Rs.30.00

8

Issue of Demand Draft

Upto Rs.1000.00

Rs.30.00

Above Rs.1000 to Rs.10000.00

Rs.60.00

Above Rs.10000.00

Rs.5.00 per thousand or part thereof,

Minimum Rs.75.00

Maximum Rs.20000.00

(For pensioner/Senior Citizen,Student,10 % rebate on service may be allowed subject to a maximum as stipulated)

9

Issuance of Duplicate Draft

Upto Rs.1.00 Lac ----- Rs.150.00 per instrument

Above Rs.1.00 lac ---- Rs.250.00 per instrument

10

Revalidation of Draft

Upto Rs.1.00 Lac ----- Rs.150.00 per instrument

Above Rs.1.00 lac ---- Rs.250.00 per instrument

11

Cancellation of Demand Draft

Rs.150.00 per instrument.

12

INTERSOL RECEIPT/PAYMENT THROUGH TRANSFER MODE AT OUTSTATION BRANCHES

Receipt / Payment

  NIL

13

Cash Handling Charges

SB Account(Cash Deposit)

No Charges

CC / OD  Accounts

10 packets –Free

Above  10 packets,Rs,25.00 per packet or part thereof

Maximum Rs.18000.00

14

INTERSOL CASH TRANSACTION

Deposit

Local non parent branches/Outstation Branches—

No Intersol Charges, No Limit

** Cash Handling Charges to be realised

Withdrawal

Local non parent branches/Outstation Branches—

Withdrawal by drawer personally and by Cheque only.

Maximum Limit Rs.50000.00.**Note: For withdrawal above Rs.10000.00,Photo Identity Card of the Drawer must be produced.

 No Charge for inter- sol cash  withdrawal

15

Issue of Cheque Book

Individual

Non-Individiual

SB Account

One Cheque Book of 20 leaves free in a calander year

Rs.2.50 per Cheque leaf.

Pensioner/Senior Citizen Rs.3.00per cheque leaf.

Rs.4.00 per cheque leaf.

CD / OD /CC Account

(No free cheque Book)

Rs.2.50 per Cheque leaf.

Pensioner/Senior Citizen Rs.3.00per cheque leaf

Rs.4.00 per cheque leaf.

16

Stop Payment Instructionn (All types of Accounts)

SB Account

Rs.120.00=Per Cheque

For multiple cheques, maximum Rs.300.00)

CD / OD /CC Account

Rs.150.00=Per Cheque

For multiple cheques, maximum Rs.550.00)

17

RECORD COPY OF CHEQUE

Rs.150/- Per cheque

Addition / Deletiojn of Name

Rs.150/- per occasion

( No charge for deletion of name of deceased customer and no charge for the first time conversion of single A/C to joint A/C pensioner)

18

Closure of SB Account within 12 months of its opening

Exemption:

1)Closure due to death of the depositor

2) No –frill Accounts

1) Account with Cheque Book-Rs.300/-2) Account without Cheque Book Rs.180/-

19

Closure of CD Account within 12 months of its opening

Exemption:

1)Closure due to death of the depositor and also closing of unremunerative account

1) Individual-Rs.350/-

2) Other-Rs.600/-

20

Closure of RD account

within 3 months of its opening

Within 12 months of its Opening

 NIL

Rs.100/-

21

Change of Operational Instructions

Rs.150/- per occasion

22

Exceeding limit of number of withdrawals in SB Account(If the no.exceeds 50 in a calander half year)

Rs.20/- per entry in excess of 50 per calander half year

23

Minimum Balance in SB Account

Rural/Semi-urban & Urban Branches

With Cheque Book

Without Cheque Book

Rs.500/-

Rs.50/-

Note:-Maintenance of account with “ 0 “ balance is permissible for students/pensioners

/senior citizens/physically handicapped persons/women/mentally retarded persons/ no-Frill A/Cs and account of PACS OR LAMPS etc.

24

Minimum Balance in CD Account

Rs.1500/- for all Branches except for LAMPS / PACS etc.

25

Fall in minimum balance in SB Account

Rs.75/- per occasion with cheque book

(For all Branches)

Rs.45/- per occasion without cheque book for Rural Branches)

26

Fall in minimum balance in CD Account

Rs.300/-per occasion

27

Incidental Charges(IC) for in-operative account

1)Accounts maintaining stipulated

balance

Rs.50/- per quarter

2) If the balance falls below Rs.25/-

The entire balance to be appropriated towards service charges

Note: All accounts which are dorment for a period of 2 years or more are to be treated as inoperative accounts

28

Duplicate Statement / pass Book

SB Account-

With latest Balance

Rs.130/- per pass book

With multiple entries

Rs.150/-+ Rs.120/- per ledger Folio or part thereof

Note:-

40 entries or part thereof will be treated as Folio

CD  Statement

One statement of account per month –FREE

For duplicate or additional statement Rs.50/- per folio or part thereof

29

Attestation of Customer”s Signature

Attestation of customer”s signature whenever Bank attests signature of a customer as per recorded specimen signature in a document as required by a customer

Rs.175/- per occasion

Rs.175/- for each attestation in Joint Account.

30

Attestation of Customer”s Photograph

Rs.175/- per occasion

31

Operation in account through power of Attorney / mandate/ SB/CD/CC/OD

For SB ----Rs.150/-

For CD/CC/OD---Rs.300/-

32

Issuance of No-Dues Certificate

Priority Sector Loan

Non-Priority Sector Loan

Individual/Pensioners/Senior Citizen in all areas(R/SU & U)

Rs.80/- per certificate

Individual

(For all Branches)

Rs.150/- per Certificate

Non-individual-

Rs.150/- per Certificate

Non-individual-

Rs.180/- per certificate

33

Loss of Token

Rs.150/- per Token Loss

34

Standing Instructions

Service Charge for

Registration only

Rs.150/- per Registration

35

Issuance of Interest & Balance Certificate

Rs.150/- per Certificate

(except Housing / Educational Loan Certificate)

36

Change in Registered Nominee

Rs.100/- per occasion

37

Address Confirmation

Rs.50/- per occasion

38

Issue of Duplicate Deposit Receipt

(FD/Cash Certificate etc.)

Rs.200/- per request per instrument

39

Call Deposit/D-Call Receipt

Rs.70/- per Receipt

40

LOCKER CHARGES

For Customer

For Staff

Rs.1300/- par year

Rs.900/- per year

41

NOMINAL  SHARE

2 % of Loan Amount(in multiple of Rs.200/-)

42

e-Stamping

 (Stationery Charges)

Up to Rs.1000 of stamp value

Above Rs.1000 of stamp value

Rs.10/-

Rs.20/-