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Service Charges (w.e.f. 24.08.2006) |
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Particulars |
Service charges (Incl. Service Tax@12.24%) |
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Saving Bank Accounts with Cheque facility |
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Minimum Balance |
Savings Rs.500 -With Chq Book Savings Rs. 250 without chq bk. |
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Current Rs.2500/- |
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Charges for non maintenance thereof |
Charges are Rs.10 per day per transaction |
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In respect of delay in R/D or Shubhmangal Deposit Rs. 1.50 per 100 per month |
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Saving Bank Accounts without Cheque facility |
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Minimum Balance |
Rs. 250.00 |
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Charges for non maintenance thereof |
Rs. 10.00 |
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Issue of Duplicate Statement |
Rs.10 per page |
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Issue of loose cheque leaves |
Rs. 10 per leaf |
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Issue of duplicate pass book |
Rs.30/- per Pass Book with latest bal. +Rs.10 per page for previous entries. In case of Recurring and Shubhmangal Rs.10/ per passbook. |
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Mode of calculation of minimum balance |
At the time of transaction, to be debited manually |
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Remittance Facilities through our bank |
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DD- Issue |
Mini. Rs.10 or Rs. 0.50 per 1000 on Pune & Mumbai Branches. |
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@ Re.1 for our branches other than branches in Pune, Thane and Mumbai. |
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Other as per DD arrangements schemes |
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DD-Cancellation |
Rs. 50 per draft cancelled |
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DD-Duplicate |
Rs. 50 per draft |
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DD-Revalidation |
Rs. 50 per draft |
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Pay Order - Issue |
Rs. 0.75 per thousand Minimums. Rs.50/ |
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PO-cancellation |
Rs.25
per |
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PO-Duplicate |
Rs.25
per |
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PO-Revalidation |
Rs.25
per |
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TT - Issue |
For Branches in Pune & Mumbai Min.Rs.25/+ Rs. 0.75 per Thousand. *For branches other than Mumbai and Pune Rs. 25+Rs. 1 per Thousand |
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TT - Cancellation |
Rs.25/ |
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TT-Duplicate |
For Branches in Pune & Mumbai Min.Rs.25/+ Rs. 0.75 per Thousand. *For branches other Than Mumbai and Pune Rs. 25+Rs. 1 per Thousand |
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TT-Revalidation |
None |
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EFT Charges- inward |
None |
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EFT Charges- outward |
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RTGS-Outward |
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RTGS-Inward |
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Collection of Cheques |
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Remittance facilities through other banks |
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DD- Issue |
DD of other banks as per DD arrangement schemes. |
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DD Issue in cash |
Rs.50 minimum |
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DD-Cancellation |
Rs.50/- |
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DD-Duplicate |
Rs. 50 per draft |
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DD-Revalidation |
Rs.50 per draft |
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Foreign Exchange Transactions |
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Foreign Exchange Transactions |
As applied by agency bank + Rs. 200 Handling Charges |
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Remittance Outward |
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Remittance Inward |
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TCs - Selling |
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TCs - Encashing |
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TCs – Foreign Currency |
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Cheque Collection |
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Local Clearing |
Nil |
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Local Collection |
Rs. 10+ Actuals |
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Outstation through own bank |
Outstation upto Rs.10000/- charges are Rs.20/- |
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Above Rs.10000/- Rs.20 + Rs.0.50 per Thousand or part thereof |
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Outstation through another bank |
Charges of paying bank+ Actual Postal Charges + Rs.0.50 per 1000 as handling charges |
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Bouncing of cheques- Local |
Rs. 25 for Savings Accounts and Overdraft on Fixed Deposits. |
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Rs. 50 per instrument for Current and CC A/cs Cheque Amount below Rs. 1 lakhs. |
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Rs. 0.50 per Rs. 1000/ for cheque amount more than Rs.1 lakhs |
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Bouncing of cheques- outstation- through own bank |
Rs. 30 postal charges + Rs. 1 per Rs. 1000 as handling charges |
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Bouncing of cheques- outstation- through another bank |
Commission Charged by returning bank + Rs. 30 postal charges +Rs. 0.50 per Rs.1000 as handling charges |
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Retail Loans |
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Prepayment Charges |
Lesser of Rs.250 or actual interest lost |
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No dues Certificate |
Rs. 10/- per certificate |
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Solvency Certificate |
Upto Rs.1 lakhs Rs.150/- |
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AboveRs.1lakh to Rs.5 lakh- Rs.2000 |
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Above Rs. 5 lakhs: Rs. 2000+Rs. 1 per Thousand, subject to Maximum Rs.10000/- |
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Charges for late payment of EMI |
1%p.a.for the amount in default for the days of default |
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ATM Cards |
Free |
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MISCELLANEOUS |
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Balance enquiry |
Free |
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Balance Certificate |
Upto Rs. 50000- Rs100, |
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Rs.50000-1 lakhs- Rs.200/ |
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Rs.1lakh-5 lakhs- Rs. 200 |
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Rs.5 lakhs and above Rs. 500/ |
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Interest Certificate or any other certificate |
No Charges to depositors, Rs. 25 to borrowers |
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Account closure |
Savings A/C closure within 1year Rs. 25/-without chq book, |
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Savings A/c with Chq book Rs.25+ Rs. 2.50 per unused chq. |
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Current a/c closure within 1 year Rs. 100/- |
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Use of Fax/Telephone/Modem |
At actual |
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Photo attestation |
Rs. 10/- per photo |
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Signature attestation |
For obtaining loans from financial institution Rs.50 per attestation, for others, Rs.10/ per attestation, no charges should be taken from ocean going students |
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Stop Payment Charges |
Rs. 25 per instance |
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Inoperative account |
Savings Account Rs. 25 on half yearly basis. |
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Current Account Rs. 50/ on a half yearly basis. |
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Charges Other than Above |
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Loss of Token |
Rs. 100/- |
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Non Submission of Stock Statement |
1% p.a. on limit sanctioned to be levied on monthly basis for a period of default |
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Chq book Charges |
Rs.1.50 per leaf except Savings A/c. Rs.5 per leaf if more than 1 chq book is required by Savings Account Holder |
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Statement/ Records pertaining to more than 3 previous years |
Rs.50/- |
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Share Application |
Rs.25/ |
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E.C.S return Charges |
Rs.100 per return |
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Duplicate F.D. Receipt |
Rs. 20 per receipt |
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Nominal Member charges |
Rs.10/- |