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ServiceCharges

Service Charges on Advances & Other Services - Revision

Sl. No Particulars of Charges/Services Amount of Charges
I For Short Term Agrl. Loans (Crop Loans, CKCC, GKCC, RMG, JLG, LAMS & Produce Loans) 0.80%of Bank loan With a minimum of Rs.500
II For Term Loans (MSME/SSI, RT, BE, P&SE, RTO, GCC, SCC, RCC, TLOTH, Clean Loans and Consumer Durable Loans)
A Up to Rs.10 lakh 1.50% of Loan Amount with a minimum of Rs. 500
B Above Rs.10 lakh to Rs. 50 lakh Rs.15,000 + 1% of Loan amount above Rs.10 lakh
C Above Rs.50 lakh to Rs.100 lakh Rs.55,000 + 0.75% of Loan amount above Rs.50 lakh
D Above Rs.100 lakh Rs.92,500 + 0.50% of Loan amount above Rs.100 lakh
III For cash credits and over drafts 1% of limit Sanctioned either Fresh or Renewal per annum..
IV SOD to traders and SOD to MSME 1% of the sanctioned limit either fresh or Renewal per annum.
V In case of SHG Farm sector and non-farm sector cash credits / term loans Limit sanctioned to SHG Group having 10 members:
Upto a sanction limit of Rs.250, 000:
No service/processing charges to be collected. Exemption for service/processing charges was kept in Finacle itself up to sanction limit of Rs.250,000 irrespective of number of members.
Sanction Limit more than Rs.250,000 :
Service/processing charges would be @ 0.50% of the sanction limit per annum.
Limit sanctioned to group having members greater than/ less than 10 members:
In this case, exemption limit shall be worked out basing on per member sanction limit
i.e. if Per member sanction limit is less than Rs.25,000, no service/ Processing charges to be collected.
If Per member sanction limit is greater than Rs.25,000, service/processing charges to be collected @ 0.50% of the sanction limit.
Note: Branches to manually reverse/collect services charges in this case as there is no system support.
VI Educational loans No processing charges up to a sanction limit of Rs.10 lakh.
1% of the loan amount if sanction limit exceeds Rs.10 lakh.
VII Housing loans
A Up to Rs.5 lakh 0.50% of the loan amount with a minimum of Rs.500 up to a sanction limit of Rs.5.00 lakh.
B Above Rs.5 lakh to Rs. 20 lakh 1% of the Loan amount
C Above Rs.20 lakh Rs. 20,000 + 0.75% of loan amount above Rs.20 lakh
VIII Mortgage Loans 1% of the loan amount
Exemptions:Staff Loans, Education Loans to Staff children (under EL), Housing loans to Staff (under HLPS), LAD, SOD against Bank deposits, Gold Loans & LASS are fully exempted and in case of all other Govt. Sponsored schemes up to sanction limit of Rs. 50,000/-.
Note: Processing charges are not to be collected on Priority Sector Advances up to Rs.25,000/-. Total liability is the criteria for arriving the limit (KCC+AAA+ etc ) of Rs. 25,000/-.
Particulars of Charges/Services Amount of Charges
Upfront recovery of Appraising or Processing Charges
(All term loans)		 Branches should collect the eligible processing charges along with GST amount and keep the amount in Sundry creditors till the loan proposal is being processed and sanctioned. After disbursal of loan, amount kept in Sundry creditors is to be transferred to the loan account towards recovery of processing charges. No branch is allowed to take up the term loan proposal without collecting processing charges at upfront.
Particulars of Charges/Services Amount of Charges
Mortgage Charge/ Mortgage Creation Charges
(Mortgage charges for Agri loans up to Rs.3.00 lakhs are exempted)		 Rs.2,500
Above Rs.10 lacs up to Rs.50 lacs Rs.5,000
Above Rs.50 lacs up to Rs.1 crore Rs.10,000
Above Rs. 1 crore up to Rs.5 crore Rs.15,000
Above Rs. 5 crore Rs.25,000
Particulars of Charges/Services Amount of Charges
On Agricultural Term Loans (ATL, AAA, CCMTL) On one time basis @ 1.50% on Bank Loan with a minimum of Rs.500.
ATLSW
Upto Rs.25,000. No evaluation fee
Above Rs.25,000. 0.70% of the loan amount
Particulars of Charges/Services Amount of Charges
Up to Rs.25,000 NIL -
Above Rs.25,000 up to Rs.2 lacs Rs.100 per Half year
Above Rs.2 lacs up to Rs.5 lacs Rs.150 per Half year
Above Rs.5 lacs up to Rs.25 lacs Rs.300 per Half year
Above Rs. 25 lacs up to Rs.1 crore Rs.500 per Half year
Above Rs.1 crore Rs.1000 per Half year
ATLSW No inspection/administrative charges
Note: Inspection Charges and Evaluation fee are not to be collected on Priority Sector Advances up to Rs.25,000. Total liability is the criteria for arriving the limit (KCC+AAA+ etc ) of Rs. 25,000.
Particulars of Charges/Services Amount of Charges
Marking of/Lifting of lien/Hypothecation/ Other charges with RTO/ Revenue Authority Rs.200/- per Asset plus out of pocket expenses if any for limit up to Rs.200,000
Rs.500/- per Asset plus out of pocket expenses if any for limit above Rs.200,000
No charges on Agri based schemes.
Sl. No Particulars of Charges/Services Amount of Charges
I Up to Rs.50,000 The charge is 1% on the loan amount to be payable by the borrower with no minimum amount.
The applicable amount shall be collected from the borrower or deducted from the loan proceeds at the time of first disbursement. 0.25% shall be paid to the appraiser and remaining is to be taken as banks processing charges.
II Above Rs.50,000 & upto Rs.100,000 The charge is 1% on the loan amount to be payable by the borrower.
The applicable amount shall be collected from the borrower or deducted from the loan proceeds at the time of first disbursement. 0.30% shall be paid to the appraiser (Appraisal charge) and the remaining is to be taken to Bank’s income account (processing charge).
III Above Rs.100,000 & upto Rs.200,000 The charge is 0.75 % on the loan amount to be payable by the borrower.
The applicable amount shall be collected from the borrower or deducted from the loan proceeds at the time of first disbursement. 0.33% shall be paid to the appraiser (Appraisal charge) and the remaining is to be taken to Bank’s income account (processing charge).
IV Over & above Rs.200,000 The charge is 0.75 % on the loan amount with a maximum of Rs.2000 to be payable by the borrower.
The applicable amount shall be collected from the borrower or deducted from the loan proceeds at the time of first disbursement. Rs.500 shall be paid to the appraiser (Appraisal charge) and the remaining is to be taken to Bank’s income account (processing charge).
Particulars of Charges/Services Amount of Charges
Appraising Charges On ATLSW (For any amount) Rs.3 per thousand direct to the gold Jewel appraiser
Particulars of Charges/Services Amount of Charges
Re-Appraising charges on all type of Gold loans outstanding for more than 30 months 0.10% of loan, minimum of Rs.50 and maximum of Rs.200 per account
(The appraiser of nearby Branches other than the appraiser who has originally appraised the ornaments should do the Reappraise)
Sl. No Particulars of Charges/Services Amount of Charges
A 1) Up to a sanction limit of Rs.1 lakh Rs.100 per account per half year
B 2) Sanction limit above Rs.1 lakh Rs.200 per account per half year
Sl. No Particulars of Charges/Services Amount of Charges
A Up to Rs.1000 Rs.60 + Out of pocket expenses
B Above Rs.1000 & up to Rs. 5,000 Rs.80 + Out of pocket expenses
C Above Rs.5,000 & up to Rs.10,000 Rs.100 + Out of pocket expenses
D Above Rs.10,000 & up to Rs.1 lakh Rs.9 per Rs.1,000 or part thereof subject to a minimum of Rs.100 + Out of pocket expenses
E Above Rs.1 lakh & up to Rs.10 lakh Rs.8 per Rs.1,000 or part thereof subject to a minimum of Rs.900 + Out of pocket expenses
F Above Rs.10 lakh Rs.7 per Rs.1,000 or part thereof subject to a minimum of Rs.8,000 + Out of pocket expenses
Sl. No Particulars of Charges/Services Amount of Charges
A Up to Rs.10,000 Rs.50 per instrument
B Above Rs.10,000& up to Rs.1 lakh Rs.100 per instrument
C Above Rs.1 lakh Rs.175 per instrument
The above charges will be all inclusive. No additional charges such as courier charges, out of pocket expenses are to be levied from the customers. The paying and collecting Bank shall share the above charges on 50:50 basis. In case the paying Bank is our own Bank branch, the collecting branch shall collect the entire commission. As per RBI guidelines Instant credit of out station cheques up to Rs.15,000 should be allowed by collecting only the above charges.
D For tie up loan cheques (Sugarcane and Tobacco etc.,)
Up to tie up loan amount & Interest No charges
Over and above tie up loan amount
i. Up to Rs.5,000 Rs.20
ii. Above Rs.5,000 & up to Rs.10,000 Rs.50
iii. Above Rs.10,000 Rs.100
If the proceeds of the cheque are deposited for 91 Days or more, the instrument can be collected ‘at par’. Postage also is exempted.
Staff cheques / Drafts are to be collected ‘at par’. Postage charges are exempted
Cheque Return - Outward (Cheque deposited for collection)
Particulars of Charges/Services Amount of Charges
Rs.100 plus other Bank charges, if any, plus out of Pocket expenses
Outstation cheques / Bills are to be returned by Regd. Post only and actual postal charges are to be collected. If balance is not available in the account the stipulated charges have to be collected through Value Payable Letter (VPL)
Category Urban/Semi Urban Branches Rural Branches
Up to Rs.5000 Rs.45 Rs.45
Above Rs.5,000 up to Rs.10,000 Rs.70 Rs.70
Above Rs.10,000 up to Rs.100,000 Per 1000 Rs.5 Rs.5
Min Rs.70 Rs.70
Above Rs.1 Lakh Per 1000 Rs.5 Rs.5
Min Rs.450 Rs.450
Max Rs.13350 Rs.13350
Other Charges of DD/Pay Orders Cancellation of Demand Draft/ Pay orders.
(Per instrument/Case)		 Rs.150
Demand Draft/ Pay orders- Duplicate Issuance Rs.150
Demand Draft/ Pay orders- Revalidation Rs.150
Sl. No Particulars of Charges/Services Amount of Charges
I Exchange of 0.75% of the amount of the instrument purchased should be collected (It attracts no GST). In addition to the above, the following charges are to be collected.
a) Usual collection charges
b) The instrument is to be sent by Reg. Post only. Postage of Rs.50 or actual whichever is higher is to be collected.
II For purchase of Local Cheques/ Bills. 0.25% of the amount of the instrument with a minimum of Rs.25 (It attracts no GST). Instant credit up to Rs.15,000 could be allowed by collecting Rs.5 per instrument.
III Cheques belonging to staff members pertaining to provident fund / housing loan installments /LIC payments/ Bank employees cooperative society can be purchased at par. Cheques/Withdrawals of Inspectors/Staff on deputation pertaining to salary can be purchased at par. No postage.
IV Cheques/ Bank Drafts/ Pay Orders can be purchased at par provided the entire proceeds are placed as Term Deposit/s for a period not less than 91 Days. Postage also exempted.
If the period of deposit is less than 91 Days, Branches should purchase the instruments at par with the prior permission of Chairman.
Our Bank’s lien should be noted on such deposits till the instruments purchased are realized. If such deposits are cancelled before due date, the CBP charges, which are exempted earlier, are to be collected.
Particulars of Charges/Services Amount of Charges
Up to Rs.1,000 Rs.20
Above Rs.1,000 & up to Rs.5,000 Rs.25
Above Rs.5,000 & up to Rs.10,000 Rs.30
Above Rs.10,000 & up to 1 lakh Rs.2.25 per Rs.1000 or part thereof with a minimum of Rs.30
Above Rs.1 lakh & up to Rs.10 lakh Rs.2 per Rs.1000 or part thereof with a minimum of Rs.225
Above Rs.10 lakh Rs.1.50 per Rs.1000 or part thereof with a minimum of Rs.2,000
Module Range Charges
RTGS 2 – 5 Lakh 25.00
Above 5 Lakh 50.00
NEFT Upto Rs.10,000 3.00
Rs.10,001 to Rs.100,000 4.00
Rs.100,001 to Rs.200,000 14.00
Above Rs 2 Lakh 25.00
Sl. No Particulars of Charges/Services Amount of Charges
i Transfer through Mobile Banking - NIL
ii Transfer through Branch Channel - Rs.5
(Transaction ceiling amount Re.1 to Rs.1.00 Lakh)
Sl. No Particulars of Charges/Services Amount of Charges
A NOTICES
Ordinary Notice Rs.50
Registered Notice/Auction Notice Rs.100 or Actual whichever is higher
*Collection of Outstation Bills (Documentary etc.) - Not for out station cheques for collection/Purchase.
Ordinary Post Rs.50
Registered Post Rs.100 or Actual whichever is higher
B Telephone (To know fate of OBC) Rs.25 or actual whichever is higher
C Return of unpaid outstation cheques (to be sent by Reg. Post only). Rs.100 or Actual, whichever is higher.
Service Charges for ATM/Debit Card Usage (These charges are effective since date of card issue.)
Category of Transactions Service Charges
CGGB ATM/Debit Cardholders’ transactions on CGGB ATM Network No. of free transactions: 7 per calendar month for Cardholders.
Beyond 7 transactions Rs 20 + GST per transaction will be charged for financial transactions and Rs.8 + GST per Non-financial transactions.
Note: Non-financial transactions such as Pin Change, Balance Enquiry, Mini Statement etc., will also be counted for arriving at five free transactions in a calendar month.
Our ATM/Debit Cardholders transactions on NFS-ATM Network No. of free transactions: 5 per calendar month for Savings Bank Account Cardholders.
Beyond 5 transactions Rs 20 + GST per transaction will be charged for financial transactions and Rs.8 + GST per Non-financial transactions.
Note: Non-financial transactions such as Pin Change, Balance Enquiry, Mini Statement etc., will also be counted for arriving at five free transactions in a calendar month.
No free transactions for Current Deposit Account/OD/CC accounts Cardholders
ATM /Debit Card Annual Maintenance Charges There are no charges on usage of our Debit / ATM card during the first year. From the second year onwards, Rs.125.00 (plus GST) per year will be charged as Annual Maintenance Charges.
Re-issuance of ATM/DEBIT Cards Rs.200 (plus GST)
Charges for re-issue of PIN Green PIN : Free (Generated in our bank ATMs)
Particulars of Charges/Services Amount of Charges
SMS Alerts (Per quarter) Rs.20
NOTE: Accounts of Senior Citizens, no frill accounts, pensioners’ accounts, accounts of existing and retired staff members are exempted from levying charges for extending SMS alerts.[As per Cir.No.211 dt: 13.02.2014]
Particulars of Charges/Services Amount of Charges
Instructions Urban/Semi Urban Rural Branches
Single cheque Per instruction 100 100
Range of CHQs SB-Per instruction 400 300
CD-Per instruction 500 400
Particulars of Charges/Services Amount of Charges
Cheque Return – Inward (Cheque received for Payment) due to insufficiency of funds (Local or Outstation) Up to Rs.100,000
CD/SOD Accounts
Rs.250 Rs.150
SB Accounts
Rs.200 Rs.100
Above Rs.100,000
CD/SOD Accounts
Rs.350 Rs.250
SB Accounts
Rs.250 Rs.150
Particulars of Charges/Services Amount of Charges
Account Closure Urban/Semi Urban Rural Branches
SB group of Accounts
Closed within 12 months of opening
Rs.200 Rs.150
CD group of Accounts
Closed within 12 months of opening
Rs.500 Rs.350
No charges if the SB/CD accounts closed after one year
Particulars of Charges/Services Amount of Charges
Signature verification
(Per attestation) 		Rs.150 Rs.150
The Signature attestation should be on the Letter Head only.
Particulars of Charges/Services Amount of Charges
No dues certificate
(charges per certificate) 		Rs.150 Rs.150
Weaker sections (Incl SHG, SF/MF) – No Charges
Particulars of Charges/Services Amount of Charges
Enquiry relating to old records (more than 12 months old) Rs.150 per item Rs.100 per item
Particulars of Charges/Services Amount of Charges
Record copy of the cheque/ other instrument Rs.100 per item Rs.100 per item
Particulars of Charges/Services Amount of Charges
Gold Loan Auctions Rs.200 plus Actual Paper Publication charges on proportionate basis incurred for each A/C.
Particulars of Charges/Services Amount of Charges
Noting of Standing Instructions Rs.50
Transfer between Accounts in same branch No additional charge
Other Standing Instructions, including transfer from one branch to another branch of our Bank. Rs.20 per transaction up to Rs.10,000.
Rs.30 per transaction for above Rs.10,000
For non-execution of Standing Instruction due to insufficient balance in account and re-registration of standing instructions. Rs.100
Rs.50 per transaction involving credit to other than customers’ own accounts with in the same Branch. Charges to be levied to account from which the amount is transferred. Monthly interest on FDRs, Credit of installments to RD A/Cs and all Staff A/Cs are exempted from the above charges.
Particulars of Charges/Services Amount of Charges
Rs.100 per duplicate pass book with latest balance
Rs.50 for previous entries (if required) per Sheet or part thereof.
Ledger Folio Charges (for CD, OCC, KCC & SODRE)
Particulars of Charges/Services Amount of Charges
Average Credit Balance Free entries allowed per quarter
Up to Rs.25,000 Nil
Above Rs.25,000 up to Rs.50,000 60 Entries (1.5 Folio)
Above Rs.50,000 up to Rs.1 lakh 100 Entries. (2.5 Folios)
Above Rs.1 lakh up to Rs. 2 lakh 400 Entries. (10 Folios)
Above Rs.2 lakh No Charge
For every 40 entries (1 Folio) Rs.200 after availing free entries referred above.
Charges for entries should not be levied on Savings Bank Account.
Charges for entries, wherever applicable are to be levied on Quarterly basis.
If there are no entries in the accounts, charges for entries are not to be levied.
Minimum Balances to be maintained (Amount in Rupees)
Sl. No Particulars of Charges/Services Amount of Charges
Category Of Account Urban/Semi Urban Rural
I Current account 3000 2000
II Savings Bank
a Without cheque book 500 500
b With cheque book 1000 1000
III SGOGP With/ Without cheque book 1000 1000
IV NGOGP 1500 1500
Penal Charges for not Maintaining Minimum Balances in SB/CD
Charges for non-maintenance of minimum Average Quarterly Balance Shortfall in AQB Penal Charges
SB group– with Cheque Book 501-1000 Rs.100
251 - 500 Rs.50
Up to 250 Rs.25
SB group – without Ch. Book 251 - 500 Rs.50
Up to 250 Rs.25
SB – SENIOR CITIZENS Exempted
CD - Urban Per Quarter Rs.300
CD - Rural Per Quarter Rs.200
The minimum balance stipulation is not applicable to staff accounts. Branch manager is having discretion to open the account even with ZERO balance and minimum balance stipulation has to be ensured at the time of first transaction.
Sl. No Particulars of Charges/Services Amount of Charges
I Inoperative SB Group Accounts. No charges
II Inoperative CD Accounts No charges
Particulars of Charges/Services Amount of Charges
RD account of 5 years or less than 5years period Rs.1.50 per Rs.100 per month
RD account of more than 5 years period Rs.2 per Rs.100 per month
However penalty may be waived if the customer pays the equal number of installments in advance or subsequently.
Particulars of Charges/Services Amount of Charges
Closure of RD account within a period of 6 months from the date of opening Rs.10 where balance outstanding is less than Rs.100
Rs.20 where balance outstanding is between Rs.100 and Rs.1000
Rs.50 where balance outstanding is more than Rs.1000
Particulars of Charges/Services Amount of Charges
When DEPOSIT LOAN is closed within 15 days from the date of opening of loan account, interest should be : Actual or Rs.50 whichever is higher
Particulars of Charges/Services Amount of Charges
Collecting Bank shall levy charges as applicable to Outstation Cheques. Paying Banker is not entitled to charge any amount. If the collecting and paying Branches are of our own Branches, Collecting Bank only shall levy charge as applicable to Outstation Cheques. No charges should be collected if amount is deposited for 91 days and above. For Premature cancellation no exemption.
Particulars of Charges/Services Amount of Charges
Issue of Cheque Books SB Cheques Cheque book with 25 leaves free in a year (from the date of opening) Rs.5 per leaf thereafter.
CD Cheques No free cheque book for CD account. Rs.5 per cheque leaf.
Particulars of Charges/Services Amount of Charges
Issue of Balance Certificate Rs.100 Per Certificate.
Particulars of Charges/Services Amount of Charges
Issue of Interest Certificate No Charges
Particulars of Charges/Services Amount of Charges
Loss of Token Rs.500 Per Token
Particulars of Charges/Services Amount of Charges
Cash Handling Applicable Charges
Up to one bundle per day NIL
More than one bundle Rs.100 per bundle
Maximum of Rs.10, 000/-. LADs, SODs against our Bank Term Deposits and Overdraft accounts of staff are exempted from levying of cash handling charges.
Particulars of Charges/Services Amount of Charges
*Addition/deletion of Names in all Deposit accounts Rs.100
*Changes in Operation instructions, Power of Attorney, Board resolution etc. Rs.200
Change in Nomination Rs.100
Duplicate deposit Receipt with normal procedure Rs.100
Sl. No Particulars of Charges/Services Amount of Charges
A Performance Guarantee for a period up to 6 months Rs.500+1% of the guarantee amount
B Other than Performance Guarantee for a period up to 6 months Rs.500+1.50 % of the guarantee amount
C Performance Guarantee for a period of more than 6 months Rs.500+0.50% of the guarantee amount per quarter or part thereof
D Other than Performance Guarantee for a period of more than 6 months Rs.500+0.75% of the guarantee amount per quarter or part thereof
E If guarantee is renewed before the expiry of claim period, commission should not be collected again for claim period at the time of renewal.
F BANK GUARANTEES (with 100% Cash Margin) Rs.500 + 25% of normal commission per BG issued as above
OTHER TERMS:
No processing charges are to be levied in respect of Bank Guarantees.
In case of BGs issued for a period of more than one year and the commission chargeable is more than Rs.50,000 per annum, the commission may be collected on yearly basis instead of collecting the entire commission at the time of issue itself.
Refund of Guarantee Commission: If the purpose for which guarantee was issued is served and the original guarantee is returned for cancellation before the expiry date, no commission will be refunded. For Guarantee tendered for cancellation before the date of expiry, if the purpose is not served, only a portion of the Guarantee commission already recovered be refunded to the customer. Accordingly, an amount computed at ½ of the original rate for the unexpired period of Guarantee minus 3 months may be refunded.
Additional commission at applicable rate will be levied on the extended period of validity of Guarantee due to restraints imposed to Banks by Court Orders or at the instance of customers, from meeting their obligations towards beneficiaries.
Sl. No Particulars of Charges/Services Amount of Charges
A Up to Rs.1 lakh Rs.500 per certificate
B Above Rs.1 lakh & up toRs.10 lakh Rs.1,000 per certificate
C Above Rs.10 lakh & up to Rs.25 lakh Rs.5,000 per certificate
D Above Rs.25 lakh & up to Rs.50 lakh Rs.10,000 per certificate
E Above Rs.50 lakh Rs.25,000 per certificate
Out of Pocket expenses incurred if any should also be collected.
Out of pocket expenses: All out of pocket expenses such as postages, internet usage, telexes, fax, etc shall be collected from the beneficiary unless otherwise specified.
Sl. No Particulars of Charges/Services Amount of Charges
Locker Type SDL Depth 492 mm (H X W) Charges for Safe deposit lockers (Non- Built in Safe deposit lockers) Charges for BUILT-IN Safe deposit lockers
Rural & Semi-urban Urban Rural & Semi-urban Urban
Type 1 A 125X175 1,000 1,300 1,200 1,600
C (2A) 125X352 1,600 2,200 2,000 2,600
F (4A) 278X352 3,000 3,800 3,600 4,600
Type 2 B 159X210 1,300 1,700 1,600 2,000
E (2B) 159X423 2,300 2,800 2,800 3,400
H (4B) 321X423 4,200 5,300 4,800 6,300
H1 321X210 2,300 2,800 2,800 3,400
Type 3 D 189X263 1,800 2,400 2,200 2,800
G (2D) 189X529 3,200 3,600 3,800 4,300
L (>4D) 404X529 6,000 7,000 7,200 8,400
L2(4D) 385x529 6,000 7,000 7,200 8,400
25% concession in rent to Confirmed Staff /Retired Staff /Staff working on deputation.
*The locker operations are restricted to ten (10) times in a Quarter. Any operations beyond it, branches are advised to charge Rs.50 per operation. No carry over will be allowed.
Loss of Safe Deposit Locker Key URBAN Actual Expenses(To be paid to the Service provider for break open) + Rs.1000 (to bank P&L) RURAL Actual expenses(To be paid to the Service provider for break open) + Rs.500 (to bank P&L)
Sl. No Particulars of Charges/Services Amount of Charges
A For our bank customers (ONUS transaction)
Financial transaction(Fund Transfer, Cash Deposit, Cash Withdrawal) PMJDY – SB Accounts Nil
Non PMJDY – SB Accounts (first four Financial transaction in a calendar month are free) 0.40% of Transaction amount
Minimum Rs.5
Maximum Rs.50
CC/CD/OD Accounts 0.40% of Transaction amount
Minimum Rs.5
Maximum Rs.50
Term Deposits/Cumulative Deposit accounts/Term Loan accounts/Crop loan accounts Nil
NOTE:
1. First five free transactions including ATM cash withdrawals or deposits in Non PMJDY Savings Bank Accounts in a calendar month.
2. Waiver of transaction charges from BC point to Non PMJDY SB account holders who maintain AQB of Rs.10000/- and above in previous year
B For other bank customers (OFFUS transaction)
Other Bank customer utilizing our bank BC services for Cash Deposit, Cash Withdrawal, Fund Transfer 0.40% of Transaction amount
Minimum Rs.5
Maximum Rs.50
Valuation fee to Valuer (Per Asset) –Retail Loans / Agriculture Loans
Particulars of Charges/Services Amount of Charges
Value of the security Fees (in Rs.)
Up to 50,000 500
Above 50,000 up to Rs.10 lac 1,000
Above Rs.10 lac up to Rs.1 crore 3,000
Above Rs.1 crore 10,000
Particulars of Charges/Services Amount of Charges
Credit report charges CIBIL EXPERIAN
1. Fee to be collected for the
Consumer Reports generated		 Rs.150 per report Rs.100 per report
2. Fee to be collected for the
Commercial Reports generated		 Rs.1500 per report Rs.450 per report
Particulars of Charges/Services Amount of Charges
a. Scrutiny of title deeds
All Advances up to a sanctioned limit of
i) Rs.1 lac Rs.500
ii) Above Rs.1.00 lacs and upto Rs.5.00 lacs - Rs.1000
iii) Above Rs.5.00 lacs 0.20% with a minimum Rs.1000/- for the first property and Rs.750/- for each additional property, subject to a maximum of Rs.2500/-
b. Legal Audit for Rs.10.00 lakh and above advances Rs.1000
c. Recall Notices/Legal notice Rs.200/- + actual postage charges per person
Particulars of Charges/Services Amount of Charges
Parameter Applicable Charges
Eligible customers For all current and Savings Bank Accounts
1. Cash withdrawal with self Cheque (Customer to be present) UP to Rs.50000 Free of Cost
2(i). Cash remittance(Remitted by self) UP to Rs.50000 Free of Cost
2(ii).Cash remittance by others Up to Rs.10,000 Free of Cost
Above Rs.10,000 upto Rs.50,000 Rs.50/- Per transaction
3.Transfer of funds(Non-cash transactions only) Up to Rs.1 Lakh Free of Cost
Above Rs.1 Lakh Rs.50/- Per transaction
4.For loan recoveries Free of Cost
5.Issue of DD/Pos The applicable service charges shall be collected.
6.Remittence through NEFT The applicable service charges shall be collected.
*7.Cash Deposit at CDM for Non base branch Accounts Up to Rs.1000 Rs.5/-
Above Rs.1000Up to Rs.50000 Rs.1/- Per thousand with Min. Rs.5/-
# Paying branch should not allow more than one cheque from the same customer on the same day , maximum Rs.50,000/- each. While extending ABB transactions extant guidelines of Know Your Customer(KYC)/Anti Money Laundering (AML)have to be strictly complied with.

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