SERVICE CHARGES ( w.e.f. 01.06.2009 )

Note : Service charges mentioned below are not includes Service Tax.

Service tax ( as applicable from time to time ) is to be recovered from customer separately.

DEPOSIT SECTION :

1.Savings Bank Account

Particulars	Revised Service Charges (+) Service Tax, as applicable from time to time
Minimum Balance	Rs.1,000/- with Cheque book facility. Rs.500/- without cheque book facility.
Charges for non-maintenance of minimum balance	Charges are Rs.20/- per day per transaction.
Issue of Duplicate Pass book	Rs.50/- with latest balance + Rs.10/- per page for previous entries.
Cheque Book Charges	Rs.20/- for single cheque book. Rs.100/- per extra cheque book at a single time.
Photo attestation	Rs.10/- per photo.
Signature attestation for ECS	Rs. 100/-.
Signature attestation	For obtaining loans from other financial institutions Rs.100/- per attestation.
Stop payment charges	Rs.100/- per instance.
Account closure	Rs. 50 /- if closed within one year without cheque book. Rs.150/- if closed within one year with cheque book.
Bouncing of cheque – Local / ECS (issued by our customer)	Rs. 100/- per instrument for cheque amount below Rs.1.00 lakh. Rs.100/- + Re.0.50 per Thousand for cheque amount above Rs.1.00 lakh. Above mentioned charges are also applicable for return of ECS.
ATM Card	Free. In case of loss of ATM Card Rs.100/- for duplicate card.
Balance enquiry	Free.
Balance Certificate	Rs.50/-.
Loss of Token	Rs.500/-
Service Charges	No Charges for operative accounts. Rs.100/- on half yearly basis towards Dormant / In-operative accounts.

2. Current Account

Particulars	Revised Service Charges (+) Service Tax, as applicable from time to time
Minimum Balance	Rs.3,000/-.
Charges for non-maintenance of minimum balance	Charges are Rs.50/- per day per transaction.
Cheque Book Charges	Rs.100/- for single cheque book of 50 leaves.
Photo attestation	Rs.10/- per photo.
Signature attestation for ECS	Rs. 100/-.
Signature attestation	For obtaining loans from other financial institutions Rs.100/- per attestation.
Stop payment charges	Rs.100/- per instance.
Bouncing of cheque / ECS – Local (issued by our customer)	Rs. 100/- per instrument for amount below Rs.1.00 lakh. Rs.100/- + Re.0.50 per Thousand above Rs.1.00 lakh. Above mentioned charges are also applicable for return of ECS.
Bouncing of cheque – Local (deposited by our customer)	Rs. 25/- per returned cheque.
ATM Card	Free. In case of loss of ATM Card Rs.100/- for duplicate card.
Balance enquiry	No Charges.
Service Charges	Rs. 50/- on half yearly basis for operative Rs.100/- on half yearly basis for Dormant / In-operative accounts.
Balance Certificate	Rs.100/-.
Issue of account statement	I'st Statement of account free. For duplicate Rs.50/- minimum + Rs.20/- per page thereafter.
Statement / Records pertaining to more than 3 years	Minimum Rs.100/- or Rs.25/- per page whichever is higher.
Account closure	Rs.250/- if closed within one year.
CA/TOD against Deposit ( Fresh / Renewal )	Rs. 25/-.
Loss of Token	Rs. 500/-.

3. Term Deposit :

Particulars	Revised Service Charges (+) Service Tax, as applicable from time to time
Issue of Duplicate Pass Book	Rs.50/- per pass book for Recurring & Shubhamangal Account.
Duplicate Term Deposit Certificate / Receipt	Rs.100/-.
Penal Charges for delayed installments Rec. & Shubhamangal	Rs.1.50 per 100/- per month.
Interest Certificate	Free Once in a year. In case of duplicate certificate Rs.100/-.

LOAN SECTION :

Particulars	Revised Service Charges (+) Service Tax, as applicable from time to time
Loan Application Form Charges (Fresh / Renewal)	Rs.100/- per form. This amount is to be debited to S-B / C-A or C-C of borrower and not to be collected in cash. Concern Official to ensure the same immediately on issuing loan application form.
Processing Charges For C/C, B/G, L/C, B/D etc. limits ( Fresh / Enhanced / Additional limits )	For fresh limits 0.50% p.a. On limit sanctioned. For Renewal / Enhancement - Rs. 250/- upto Rs.50,000/- limit. Rs.350/- + Rs.125/- per lakh or part thereof - above Rs.50,001/-limit. (For loan amount between Rs.50,001/- to below Rs.100,000/- charge Rs.350/-)
Processing Charges For Term Loan	0.50% p.a. on limit sanctioned.
Processing Charges - FD/OD ( Fresh / Renewal )	No Charges for OD upto Rs.10,000/-. Rs.25/- for OD above Rs.10,001/-.
Processing Charges - GOLD/OD, NSC/OD ( Fresh / Renewal )	Rs. 100/- up to Rs.10,000/- Limit Rs. 500/- for above Rs.10,001/- Limit.
Service Charges Cash Credit, B/D, Pledge Limit	0.25% of limit sanctioned (Minimum Rs. 500/- & Maximum Rs.10,000/-) on yearly basis.
Other Charges for Vehicle Loan ( in addition to Processing Charges)	Rs.250/- for 2 Wheelers. Rs.500/- for 3 & 4 Wheelers. Rs. 1,000/- for medium passenger / Goods vehicle. Rs.1500/- for Heavy passenger / Goods vehicle.
Non Submission of Stock Steatement	1% p.a. on limit sanctioned to be levied on monthly basis for a period of default.
Cheque Book Issue Charges Cash Credit / OD	Rs. 100/- per cheque book of 50 leaves.
Bouncing of cheque / ECS – Local ( issued by our customer)	Rs. 100/- per instrument for amount below Rs.1.00 lakh. Rs.100/- + Re.0.50 per Thousand above Rs.1.00 lakh. Above mentioned charges are Also applicable for return of ECS.
Bouncing of cheque – Local (deposited by our customer)	Rs.100/-.
Stop Payment of cheques – C/C & O/D	Rs.100/- per instance.
Penal Charges for late payment of EMI	1% p.a. for the amount in default for the days of default.
Prepayment Charges for Term Loans	Rs.500/- or 1% flat on O/s.balance, whichever is higher.
No Dues Certificate	Rs.25/-.
Commission for Bank Guarantees / Letter of Credit.	For All types of Guarantees / Letter of Credit - Rs.200/- (+) 0.75% per quarter or part thereof with a minimum of 3 % p.a. ( Note- backed by 100% margin as Fixed Deposit - 50% of above charges are to be levied ).
Commission against B/Gs, L/Cs issued under the tie-up arrangements with other banks	1) IDBI Bank : For Inland BG / LC – 0.75% p.a. (Mini.Rs.1250/-) + Rs.200/- as processing cahrges. (Branch to charge @ 2.25% p.a. commission + Rs.200/- per BG / LC in addition to the commission charged by IDBI Bank) 2) IDBI Bank : For Foreign BG / LC – 0.75% p.a. (Mini.Rs.1250/-) + Rs.200/- as processing charges + Rs.1500/- as swift cahrges. (Branch to charge @2.25% p.a. Commission + Rs.200/- per BG / LC in addition to the commission charged by IDBI Bank) 3) Saraswat Co-op.Bank : For Foreign BG / LC = As per FEDAI Rules (Branch to ensure that commission charged to the party is maximum of commission charged by Saraswat Co-op. Bank or as per our sanction) 4) Branch to ensure that commission charged to the customer is maximum of 3 % p.a. Or Double of commission charged by the other bank, in all cases, if BG / LC is issued through other banks.
Commitment Charges for C/C limit	Minimum Interest ( as per applicable ROI ) on 10% of sanctioned limit if utilisation is below 10% of sanctioned limit.
NOC Letter ( For RTO / any other financial institutions etc. )	Rs.100 /-.
Solvency Certificate Charges	Rs.500/- upto Rs.1.00 lakh. Rs.2,000/- for above Rs.1.00 lakh to Rs.5.00 lakh. Rs.2,500/- for above Rs.5.00 lakh to Rs.10.00 lakh. Rs.10,000/- for above Rs.10.00 lakh to Rs.1.00 Crore. Rs.30,000/- for above Rs.1.00 Crore. Rs.50,000/- for above Rs.5.00 Crore.

REMITTANCE FACILITIES :

Through our bank :

Particulars	Revised Service Charges (+) Service Tax, as applicable from time to time
Issue of Demand Draft	Rs.20/- upto Rs.1,000/-. Rs.20/- + Rs.1.00 per thousand thereafter for DD on all branches.
Cancellation of Demand Draft	Rs. 100/- per cancellation.
Duplicate Demand Draft	Rs. 200/- per Demand Draft.
Revalidation of Demand Draft	Rs. 100/- per Demand Draft.
Issue of Pay Order	Re.0.75 per Thousand, Minimum Rs. 50/-. No charges if issued against payment of Term Deposit above Rs.20,000/-.
Cancellation of Pay Order	Rs.50/- per pay order.
Duplicate Pay Order	Rs. 200/- per Pay Order.
Revalidation of Pay Order	Rs. 50/- per Pay Order.
Telegraphic Transfer (TT)	Rs.100/- + Re.1.00 per Thousand for all Branches.

Through Other Banks :

Particulars	Revised Service Charges (+) Service Tax, as applicable from time to time
Issue of Demand Draft	Issuing bank's actual charges (+) 75% of the exchange charged by the issuing bank.
Cancellation of Demand Draft	__________ Do __________
Duplicate Demand Draft	__________ Do __________
Revalidation of Demand Draft	__________ Do __________

Foreign Exchange Transactions :

Particulars	Revised Service Charges (+) Service Tax, as applicable from time to time
Collection	As applied by Agency Bank + Rs.200/- as Handling Charges.
Remittances – Outward	As applied by Agency Bank + Rs.200/- as Handling Charges.
TCs – Selling, Encashing & Foreign Currency	As applied by Agency Bank + Rs.200/- as Handling Charges.

CHEQUE COLLECTION :

Particulars	Revised Service Charges (+) Service Tax, as applicable from time to time
Local Counter Collection	Rs.25/- (+) Actuals.
Outstation Through own bank	Rs.50/- per instrument upto Rs.10,000/-. Rs.100/- per instrument for cheque amount between 10,001/- to 100,000/-. Rs.150/- per instrument for cheque above Rs.100,001/- Above amount includes postage/courier charges. These charges are as per RBI's circular No.DPSS.CO.No.611/03.01.03(P)/2008-09 dtd.08.10.2008.
Outstation through other banks	Charges of paying bank (+) postage (+) Re.0.75 per thousand as handling Charges.
Bouncing of Cheques – Outstation through own bank	Rs.100/- Postal Charges (+) Re.1.00 per Thousand as handling Charges.
Bouncing of Cheques – Outstation through other bank	Commission Charged by Returning Bank (VPP Charges) (+) Rs.100/- Handling Charges (includes postage).
Bills sent for Collection (Excluding cheques deposited by our customer)	Minimum Rs.500/- per bill or 2% of bill amount whichever is more.
Bills Received for Collection ( Excluding cheques issued by our customer)	Actual Demand Draft Charges (+) Postage (+)Minimum Rs.100/- per bill or 2% of bill amount whichever is more.

OTHER AREAS :

Particulars	Revised Service Charges (+) Service Tax, as applicable from time to time
Nominal Membership Form Charges ( Pl. Note there is no change in Nominal Membership Fees of Rs.5.00)	Rs.50/-.This amount is to be debited to S-B / C-A or C-C of borrower and not to be collected in cash. Concern Official to ensure the same immediately on issuing loan application form.
Share Application Form Charges	Rs.100/-.