Service Charges And Fees

DEPOSIT AND OTHER LIABILITY RELATED SERVICE CHARGES & FEES (Excluding GST) wef 01.07.2023
Sl. No. Type of Service Existing Service Charges wef  01.04.2016 Service Charge wef   01-07-2023 Remarks
1 Issue of Bankers’ cheque Up to Rs. 1,000/- Rs. 25/- No Change
Above Rs.1,000/- up to Rs. 10,000/- Rs. 25
Above Rs. 10,000 up to Rs. 1 Lac 0.25% or minimum Rs 40 which is higher No Change
Above Rs. 1 Lac 0.25% or minimum Rs 250 which is higher No Change
2 Issue of duplicate Bankers’ cheque Rs. 50/- Rs. 100/-
3 Cancellation/Revalidation of Bankers’ cheque Rs. 50/- Rs. 100/-
4 Issue of Demand Draft Up to Rs. 1,000/- Rs. 25/- No Change
Above Rs.1,000/- up to Rs. 10,000/- Rs. 25
Above Rs. 10,000 up to Rs. 1 Lac 0.25% or minimum Rs 40 which is higher  No Change
Above Rs. 1 Lac 0.25% or minimum Rs 250 which is higher No Change
5 Issue of duplicate Demand Draft Rs. 50/- Rs. 100/-

 

6 Cancellation/Revalidation of Demand Draft Rs. 50/- Rs. 100/-
7 Collection of Cheques Outstation Rs. 50/- per instrument up to Rs. 5,000/-
Rs. 75/- for above 5,000/- to Rs. 10,000/-
Rs. 100/- for above 10,000/- to Rs. 1 Lac
Rs. 150/- for above Rs. 1 Lac		 No Change
8 Cheque Return Charges- Inward SB- Rs. 50/- CA, CC & OD- Rs. 75/- SB- Rs. 250/- CA, CC & OD- Rs. 250/-
9 Cheque Return Charges- Outward SB- Rs. 75/- CA, CC & OD- Rs. 100/- SB- Rs. 250/- CA, CC & OD- Rs. 250/-
10 Collection of Bills 1- Up to Rs. 5,000- Rs. 51/-
2- Above 5,000 to Rs 10,000- Rs. 76/-
3- Above 10,000 – Rs. 6/- per thousand Min Rs. 102/- ; Max Rs. 12,733+ other expenses if any.		 4- Upto Rs. 1 lac-Rs.10/- per Rs. 1000/- or part thereof min 100
5- Above Rs.1 lac &upto Rs.10 lacs only-Rs. 9/- per Rs. 1000/- or part thereof subject to minimum of Rs.1000/-
6- Above Rs.10 lacs only-Rs. 8/- per 1000/- or part thereof subject to minimum of Rs.9000/- & maximum Rs.15000/-
NOTES: – 
(i)   Postage to be recovered separately.
(ii)  Handling charges for bills returned unpaid:
a-Local: (per instrument) Rs. 100/-
b-Outstation: (per instrument) -50% of collection charges subject to minimum of Rs.150/-
11 Return of clearing cheque for all reasons attributable to the drawer & Not Defined Rs. 250/-

 

dishonour of Debit/ Credit ECS
12 Stop payment instruction 1- Rs. 50- per Instruction
2-  In case of loss of complete cheque book
a) SB- Rs. 150/-b)CA, CC &OD – Rs. 250/-		 1-  Rs. 100/- per Instruction

2- In case of loss of complete cheque book

a) SB- Rs. 250/-

b) CA, CC &OD – Rs. 500/-
13 Issue of duplicate pass book Saving -Rs. 50/-
Other – Rs. 150/-		 No Change
14 Closure of Current Account within one year. Rs. 150/ Rs. 250/-
15 Closure of SB Account within one year. Rs. 100/ No Change
16 Closure of No Frill Account within one year. NIL No Change
17 RD late Fee (Penalty for default in installment payment) Rs 2.00 for every Rs. 100 per month No Change
18 Folio Charges Saving Account- NIL
For CA/CC/OD Account: Rs 50/- per Folio
1 Folio = 40 Transaction,		 Saving Account- NIL
For CA/CC/OD Account: Rs 75/- per Folio		 Half Yearly
19 Standing Instruction Rs.50/- per SI. No Change
20 Cheque leaf charge for SB/CA/CC/OD Account Rs. 2/- per cheque leaf (First cheque book will be given free of charge for Saving Bank Account) No Change
21 For Cash Withdrawn from Nonhome Branches (Free for any technical fault at home Branch) Up to Rs 25,000- NIL
Above Rs 25,000/- Rs 2/- per Rs 1,000/- or Maximum Rs.10,000/-		 No Change
22 Minimum balance in SB A/c NIL 1-With cheque facility- Rs. 500/-

 

2- Without cheque facility- Rs. 200/-
3- Staff account, Pensioners, Govt Account & BSBD Accounts- 0
23  Minimum balance in Current Account Rs.1,000/- Rs. 5000/-
24 Fall in minimum balance for SB Account NIL Rs. 100/- Quarterly
25 Fall in minimum balance for Current Account Rs. 150/- Rs. 250/- Quarterly
26 Issue of duplicate term deposit receipt copy NIL Rs. 150/- per receipt
27 Additional/deletion of name
[In case of addition / deletion of names in joint accounts, extending nomination facility, subsequently after opening of A/c. change in operational instructions in any type of account or locker (per occasion)]		 Rs. 50/- Rs. 100/-
28 Attestation/verification of customers’ signature/ certificate of maintenance of A/c with Bank/issue of balance certificate/ issue of no dues certificate/ ((Except Govt. Sponsored Schemes

& Crop Loans)

 Rs. 50/- per certificate Rs. 100/-
29 Changes in A/c operational instruction SB- NIL CA/CC/OD- Rs. 50/- SB- NIL Rs. 100/-
30 SMS Alert charges per quarter Rs.15/- No Change Quarterly
31 Postage and telecommunication Actual charges incurred No Change
32 Loss of token Rs. 100/- Rs. 200/-

 

33 Loss of Locker Key Rs 500/+ actual expenditure on replacement of lock. Rs 1,000/+ actual expenditure on replacement of lock.
34 Inoperative Accounts Not Defined A)       Savings Bank Account: – NILA/Cs maintaining minimum balance or not maintaining minimum balance as per RBI guidelines
B)       Current Account – Rs. 150/-
NOTE: – Branch to ensure that in no case overdraft is created in the account due to recovery of incidental charges in inoperative accounts. Branch should endeavor for making inoperative accounts into operative by follow up.		 Half Year
35 Looker Rent Staff- Rs. 500/-  :General- Rs. 1,000/- Staff- Rs. 1,000/- ; General- Rs. 1,500/-
(For staff only one locker  at staff rate, other than one will attract General rate)		 Yearly
36 Legal opinion charge in case of complicated claim on death/insolvency/insanity of depositor & other matter of banking operations requiring legal opinion as may be necessary by the Bank. Actual charge incurred by the Bank to be realized from the applicant/claimant/ depositor.
SERVICE CHARGE FOR AVAILING ATM FACILITY
1 Annual Fee from 2nd. Year Rs. 175/- No Change
2 Card Replacement Charge Not Defined Rs. 175/-
3 For Duplicate PIN Rs. 9/- No Change
5 Transaction Charges (Beyond 5

transaction)

[PIN Change is not a transaction]

 Financial-                       Rs.

Non-financial-  Rs. 9/-

 19/- No Change Monthly
RTGS , NEFT AND NACH RELATED SERVICES
NEFT (Transaction Slab)
1 Upto Rs. 10,000/- Rs. 2/- No Change
2 Above Rs.10,000/- to Rs.1,00,000/- Rs. 4/- No Change
3 Above Rs.1,00,000/- to Rs.2,00,000/- Rs. 13/- No Change
4 Above 2 Lac Rs. 23/- No Change
5 Customer maintaining average monthly balance of Rs. 10,00,000/- NIL No Change
RTGS (Transaction Slab)
1 Rs. 2,00,000/- to Rs. 5,00,000/- Rs. 24/- No Change
2 Above Rs. 5,00,000/- Rs. 44/- No Change
3 Customer maintaining average monthly balance of Rs. 10,00,000/- NIL No Change
SERVICE CHARGES (ACCOUNTS & DEPOSITS)
S.No Particulars Rates (exclusive of GST) w.e.f 01.04.2016
1 Cost of MICR Cheque Book
SB Accounts First cheque book shall be free thereafter Rs 2.00 per leaf
C/A, C/C & OD accounts Rs 2.00 per leaf
2 Cash Withdrawals
i) At Home Branch Free
ii) At any non-home CBS branch
a)Upto Rs 25000/- Free
b)Above Rs 25000/- Rs 2.00 per thousand or part thereof to be debited to the drawer's account. Maximum Rs. 10,000/-
3 Cash Deposit
i) At Home Branch Free
ii) At any non-home CBS branch
Upto Rs 25000/- Free
Above Rs 25000/- Rs 2.00 per thousand with minimum charge of Rs 50/-
Charges on coins shall be levied at Rs. 2/- per one hundred coins
4 Clearing Credits
i) At Home Branch Free
ii) At any non-home CBS branch Free
5 Clearing Debits
i) At Home Branch Free
ii) At any non-home CBS branch Free
6 Transfer transactions
i) From Home Branch to any CBS Branch in the same city or vice versa Free
ii) From Home Branch to any outstation CBS Branch or vice versa Rs 25/- for transcation upto Rs. 5.00 lac and Rs. 50/- for transaction above Rs. 5.00 lac
7 Quarterly average minimum balance requirement and incidental charges for non maintainance of the same
Quarterly average minimum balance requirement
SAVING
i) Small city NIL
ii) Medium city NIL
iii) Big city NIL
CURRENT
i) Small city NIL
ii) Medium city NIL
iii) Big city NIL
Incidental charges for non maintainance of the same
8 Issuance of Passbook/Balance Certificate
a) At monthly intervals NIL
b) At customers request Rs 5/- per page.
9 Issuance of duplicate Passbook/Balance Certificate Rs 20/- for Saving & Rs 50/- for other accounts with latest entry. Rs 5/- per previous page.
10 Stop Payment Instructions Rs 50/- per instrument.
11 Balance Enquiry Free
12 Closure of A/c
Closure of A/c after a year NIL
Closure of A/c within a year
i) SB Account Rs 100/-
ii) Current Account Rs 150/-
13 Return of cheques for financial reasons involving outlay of Bank's Fund (Inward) Rs75/- for SB & Rs 100/- per chq for others
14 Return of cheques for financial reasons involving outlay of Bank's Fund (Outward) Rs 75/- for SB & Rs 100/- per chq for others
15 Attestation of customer's signature/photo Rs 50/-per certificate.
16 Balance certificate, Interest certificate NIL
17 Issuance of No Due Certificate Rs 50/- per certificate
18 Issue of DD
i) Upto Rs 1000 Rs 25/-
ii) Above Rs 1000 upto 10000 Rs 35/-
iii) Above Rs 10000 upto 1 lac Minimum Rs 40/- Rs 2.50 per Rs 1000/- or part thereof
iv) Above Rs 1 lac Minimum Rs 250/- Rs 2.50 per Rs 1000/- or part thereof
19 Cancellation of DD Rs 50/- per instrument. Out of pocket expenses, postage, if any to be recovered in full.
20 Revalidation of DD Rs 50/- per instrument.
21 Issuance of Duplicate DD Rs50/- per instrument.
22 Bankers' Cheque/Pay order-issue
i) Upto Rs 1000 Rs 25/-
ii) Above Rs 1000 upto 10000 Rs 35/-
iii) Above Rs 10000 upto 1 lac Minimum Rs 40/- Rs 2.50 per Rs 1000/- or part thereof
iv) Above Rs 1 lac Minimum Rs 250/- Rs 2.50 per Rs 1000/- or part thereof
23 Cancellation of Banker Cheque/Pay order Rs 50/- (for BC/PO cancelled charges may be recovered to the extent of their value, if the amount is less than or equal to Rs 30/-)
24 Revalidation of Banker Cheque/Pay order Rs 50/- per instrument.
25 Issuance of Duplicate Banker Cheque/Pay order Rs 50/- per instrument.
26 Collection of Cheques Outstation
Upto Rs 10000/- Rs 50/- per instrument upto Rs 5000/- Rs 75/- per instrument upto Rs 10000/-
From Rs 10001/- to Rs 1.00 lac Rs 100/- per instrument.
Above Rs 1.00 lac Rs 150/- per instrument.
(Charges are inclusive of all expenses No additional charges to be levied)
27 Folio charges for Ledger Folios used in CA/OD/CC a/cs Rs50/- per page. ( 40 entries) at half yearly basis
28 Other incidental charges for SB Accounts
i) Upto 25 withdrawals per quarter NIL
ii) For withdrawals in excess of 25 per quarter Rs 100/- per quarter
29 Issuance of Duplicate Deposit Receipt NIL
30 i) Collection of Deposit Receipts on Maturity NIL
ii) Transfer of entire balance in Saving Bank Account NIL
31 Standing Instructions Rs 50/- per transaction
32 Change of authorised signatory
In respect of companies A/c Current/CC/OD A/c Rs 50/- flat
33 Collection of Bills
i).Upto Rs 10000 Rs 51/- upto Rs. 5000/- & Rs. 76/- upto Rs. 10000/-
ii) Above Rs 10000 Rs 6/- per thousand minimum Rs 102/- max Rs. 12733/- + other expenses if any
Schedule of collection of cheques applicable to bills will apply to supply bills also
1. Charges for presentation of Usance Bill for acceptance. Rs 100/- per bill
3.Post parcel collection.
(Local & Outstation) Bills for Collection returned unpaid
34 Loss of Token Rs 100/- per token
35 Charges for issue of solvency certificate
a) Upto Rs 5 lac Rs 255/- per lac Minimum Rs. 1019/- Maximum Rs. 15280/-
c) Above Rs 10 lacs to Rs 50 lacs Rs 255/- per lac Minimum Rs. 1019/- Maximum Rs. 15280/-
d) Above Rs 50 lacs Rs 255/- per lac Minimum Rs. 1019/- Maximum Rs. 15280/-
36 Enquiry relating to old records more than 12 months old Rs 25/- per page
Providing Credit/confidential report
Postal Tariff
i) Ordinary Post Rs 10/-
ii) By registered post/speed post/courier Rs 50/-
iii) Telegrams/Fax Rs 100/-
37 At par Dividend/Interest/Redemption warrants and refund orders
i) Handling charges per warrant issued NIL
ii) Processing charges NIL
iii) Communication charges NIL
iv) Interest for delayed funding NIL
38 NEFT/RTGS Charges
Inward NEFT/RTGS NIL
Outward Transactions
i) NEFT
Upto Rs 10000/- Rs 2/-
Above Rs 10000/- to Rs 1 lac Rs 4/-
Above Rs 1 lac- to Rs 2 lac Rs 13/-
Above Rs 2 lac Rs 23/-
ii) RTGS
Rs 2 lac to Rs 5 lac Rs 24/-
Above Rs 5 lac Rs 44/-
Customers maintaining average monthly balance of Rs 10 lac in their current accounts are exempted from RTGS and NEFT charges
39 SMS Charges Rs 15/- per quarter
DEBIT CARD SERVICE CHARGES
S.No Particulars Rates (exclusive of GST) w.e.f 01.04.2016
1 ATM Cards Rs. 150/-
2 Debit Cards Rs. 150/-
3 ATM transaction charges
i) On us NIL
ii) Off us (applicable beyond
a) Financial Rs 17/- [ applicable beyond the 5 transactions(3 financial and 2 non financial ) done every month]
b) Non financial Rs 6/- [ applicable beyond the 5 transactions(3 financial and 2 non financial ) done every month]
7 Card renewal charges Rs. 175 /- per annum
LOCKER RENT & SAFE CUSTODY CHARGES
S.No Particulars Rates (exclusive of GST) w.e.f 01.04.2016
1 Safe Deposit Lockers Rs. 1000/- per annum 12 visits per annum free thereafter Rs. 50/- per visit
2 Loss of locker key Rs. 1000/- plus actual expenditure on replacement of lock
3 Safe Custody Charges
i) Account opening charges NIL
ii) Sealed Covers Rs 200/- per cover per annum or part thereof
iii) SeaIed Boxes
a) Small boxes(upto 1000 cub.cm) Rs 500/-
b) Medium boxes (upto 8000 cub.cm) Rs 1000/-
c) Large boxes (abv 8000 cub cm) Rs 1000/-
iv) Bank's Own Deposit Receipts NIL