Service Charges
Sr.No PARTICULARS SERVICE CHARGES

SERVICE TAX
APPLICABLE

YES/NO
1 MINIMUM BALANCE CHARGES
1) Saving A/C Rs. 50/- YES
2) Current A/C Rs.100/- YES
2 CLEARING CHEQUES RETURN CHARGES
A Outward Cleraing Cheque Return Charges
1) Saving A/C Rs.1 to 10000/- Rs.100/- YES
above Rs.10000/- Rs.200/- YES
2) Current A/C Rs.1 to 10000/- Rs.100/- YES
above Rs.10000/- Rs.200/- YES
B Inward Clering Cheque Return Charges
1) Saving A/C Rs.500/- + 18 % int. YES
2) Current A/C Rs.500/- + 18 % int. YES
C ECS DR\CR Return Charges
1) Saving A/C Rs.500/- YES
2) Current A/C Rs.500/- YES
3 ACCOUNT CLOSING CHARGES
1) Saving A/C
i) If closed within 1 year from the date of opening A/c Rs.35/- YES
ii) If closed after 1 year Rs.25/- YES
iii) Charges for unused cheques at the time of Closing A/c Rs.1/- per cheque YES
2) Current A/C
i) If closed within 1 year from the date of opening A/c Rs.100/- YES
ii) If closed after 1 year Rs.50/- YES
iii)Charges for unused cheques at the time of Closing A/c Rs.1/- per cheque YES
4 INCIDENTAL CHARGES
1) For Current, ODCC, ODFDR,ODFA, ODOD A/c Rs.150/- per half year YES
5 CHEQUE BOOK CHARGES
1) Saving A/c NIL N.A.
2) Current A/c Rs.1/- per cheques YES
6 SAVING A/C DUPLICATE PASSBOOK CHARGES
i) With present Balance Rs.25/- YES
ii) With Previous Entries Statement Rs.10/- per page or YES
Rs.35/- per book
7 DUPLICATE STATEMENT CHARGES
1) Current Deposit A/c & Other Deposit A/c Rs.10/- per page YES
8 DUPLICATE TERM DEPOSIT RECEIPT CHARGES Rs. 10/-. YES
9 RECURRING DEPOSIT PENALTY Rs. 1.50 for every Rs.100/- N.A.
(Penalty for delayed payment)
10 A) LOAN APPLICATION FORM FEES
(i) Personal loan/Tangible Security/ Rs. 50/- N.A.
(ii) Business Loan/Vehicle Loan Rs. 150/- N.A.
(iii) Bank Guarantee & solvency certificate Rs. 50/- N.A.
(iv) Housing Loan Rs. 150/- N.A.
(v) Membership 'A' Class Rs. 5/- N.A.
(vi) Nominal Membership 'B' Class Rs.5/- N.A.
B) LOAN PROCESSING CHARGES Non-refundable
(i) Personal Loan/Busines Loan Rs.5000/- to 25000/- Rs. 150/- YES
Rs.25001/- to 50000/- Rs. 250/- YES'
(ii) Business Loan Rs.50001/- to 100000/- Rs. 500/- YES
Rs.100001/- to 500000/- Rs.1000/- YES
Rs.500001/- to 2500000/- Rs.2500/- YES
Above 25 lacs to 50 lacs Rs. 3500/- YES
Above 50 lacs to 1 Crore Rs. 5000/- YES
Above 1 Crore Rs. 7500/- YES
(iii) Gold Loan Up to Rs. 25000/- Rs. 100/- YES
More than Rs. 25000/- Rs. 150/- YES
(iv) Vehicle Loan 0.50% YES
C) EXCHANGE OF PLEADGED SHARE CERTIFICATES/DEMATE Rs.200/- YES
D) DEFAULTERS NOTICE CHARGES
I) LOANS/CASH CREDIT/OVERDRAFT
1) 1ST Notice Rs. 100/- YES
2) 2ND Notice Rs. 100/- YES
3) 3RD Notice ( Personal visit & Notice ) Rs. 100/- YES
4) Advocate Notice Rs. 300/- YES
E) ISSUE OF N.O.C. to R.T.O. PER VEHICLE Rs. 25/- YES
F) VEHICLE SEIZING CHARGES
a) Light motor vehicle / Two wheeler /Three Wheeler Rs. 500/- N.A.
b) Heavy vehicle Rs. 3500/- N.A.
G) GOLD APPRAISAL CHARGES
(i) upto 150 gms. 25 paise per 1gm (gross) YES
(minimum Rs.5/-)
(ii) Above 150 gms. For 1st 150 gms (gross) @ 25 paise per gm. YES
Plus 15 paise per gm above 150 gms
Note : This is in addition to valuer charges
H) ENCASHMENT OF NSC/IVP/KVP/ ETC. CHARGES Rs. 25/- per certificate + Travelling YES
I) REASSIGNMENT OF NSC/IVP/KVP CERTIFICATES Rs. 10/- per certificate for reassignment YES
J) ENCASHMENT OF PLEDGED SHARE CERTIFICATES Rs.15/- per certificate YES
K) CHARGES IN CASH CREDIT ACCOUNT
i) Monthly non-submission of stock/book debts Rs.200/- + Monthly charges of 2% over YES
statements and above interest rate applicable till
submission of the statement.
ii) Non-renewal of cash credit facility/documentation 2% over & above the interest N.A.
not completed within 3 months from the date of rate applicable
expiry of limit (Once a c/c A/c. is classified as (Note : Above 2 charges are
inoperative/sticky a/c, no charges as above to be separate & independent of each
debited & Branch should take recovery action other till submission)
as per recovery circular)
iii) Visit fees to borrowers c/c limit against
Hypothecation of stock/book debts
(verification of stock/book debts once in a
quarter)
a) Limit upto Rs.1 lacs Rs. 50/- per visit + Actual Conveyance. YES
b) Above Rs. 1 lac upto Rs. 5 lacs Rs. 100/- per visit + Actual Conveyance. YES
c) Above Rs. 5 lacs upto Rs.10 lacs Rs. 200/- per visit + Actual Conveyance. YES
d) Above Rs. 10 lacs Rs. 500/- per visit + Actual Conveyance. YES
iv) Non-display of Banks name board in Rs. 200/- p.m. till displayed YES
business/office/factory premises/on
machinery/on vehicle (When noticed
during visit to concerned parties
11 BANK GUARANTEE CHARGES
(a) Fully Secured (100% Fixed deposit) 2% of B. G. Amount p.a. YES
(b) Partly Secured (at least 25% FDR) -"- YES
12 SOLVENCY CERTIFICATE CHARGES Rs. 100/- for
Rs. 1 lac or part thereof subject to maximum YES
Rs. 1000/-.
13 CHARGES FOR ISSUE OF INLAND LETTER OF CREDIT
(A) Commitment charges 20 paise per Rs.100/- per Quarter or YES
part thereof
(B) Usance commission 25 paise per Rs. 100/- per month YES
or part thereof
(C) Postage etc. Actual postal charges N.A.
(a) Simple Amendment Rs.100/-
(b) Enhancement commitment charges Usance commission as above on YES
amount by which L/C is enhanced
subject to minimum of Rs.100/-
(c) Extension Commitment charges as above (No commitment YES
charges if extension does not run into fresh
period of 3 months) subject to minimum of Rs.100/-
(d) Reinstatement commission for Revolving L/C Commitment charges at 20 paise per YES
Rs.100 plus usance charges as above
subject to minimum of Rs.100/-
(e) Postage etc. Actual postal charges N.A.
14 CHARGES FOR COLLECTION OF
OUTSTATION CHEQUES THROUGH HDFC
Up to Rs. 25,000/- Rs. 30/- YES
Rs. 25001/- to 50000/- Rs. 55/- YES
above Rs. 50000/- per thousand Rs.1.25/- YES
Maximum Rs.2500/-
15 CHEQUES FOR ISSUE OF AT PAR CHEQUE OF HDFC BANK Up to Rs. 10,000/- Rs. 10/- YES
above Rs. 10000/- per thousand Rs.1/- YES
Maximum Rs. 1500/-
16 NATIONAL CLEARING CHEQUES CHARGES Rs. 50 per Instrument YES
17 CHARGES FOR COLLECTION OF OUTSTATION
BILLS IBC/OBC/BD/UNDER L/C Rs. 100/- to 2000/- Rs. 20/- YES
Rs. 2001/- to 5000/- Rs. 25/- YES
Rs. 5001/- to 7000/- Rs. 30/- YES
Rs. 7001/- to 15000/- Rs. 35/- YES
Rs.15001/- to 30000/- Rs. 45/- YES
Rs.30000/- to 50000/- Rs. 55/- YES
above Rs.50000/- per1000/- Rs.2.50 YES
Plus Actual Postage N.A.
Note : Each bill should be treated as a separate bill &
should not be clubbed for the purpose of
calculation of charges.
18 PAY ORDERS CHARGES
I) ISSUE OF PAY ORDERS
i) UPTO Rs.500 Rs. 10/- YES
ii) 501 to 1000 Rs. 15 YES
iii) 1001 to 5000 Rs. 20/- YES
iv) 5001 to 10000 Rs. 25/- YES
v) 10001 to 50000 Rs. 1.25 per 1000/- YES
Minimum Rs.25/-
vi) 50001 to 100000 Rs. 50/- YES
vii) 100001 to 500000 Rs. 100/- YES
viii) above 500001 Rs. 150/- YES
II)
a) i) Revalidation of pay order within Rs.10/- YES
one year from date of issue
ii) Cancellation of pay order Rs. 10/- YES
b) i) Issue of pay order favouring our bank ---
ii) Issue of other banks Demand Draft & at Par cheques Up to 1000/- Rs. 5/- YES
1001/- to 2500/- Rs. 10/- YES
2501/- to 5000/- Rs. 15/- YES
5001/- to 10000/- Rs. 20/- YES
above Rs. 10000/- Rs. 2/- per thousand YES
Maximum Rs.1500/-
Postage Extra. N.A.
19 SAFE DEPOSIT LOCKERS CHARGES
A) Safe Deposit Lockers Form Fees Form fee Rs. 15/- YES
Stamp fee Rs. 100/- As per Act
B) Locker Rent (p.a.)
(1ST April to 31st March)
(1) Size No.1 Small Size Rs.250/- YES
(2) Size No.2 Medium Size Rs.500/- YES
(3) Size No.3 Big Size Rs.750/- YES
C) Delay in payment of Rent Rs.25/- per month YES
D) Break open of Locker in case of loss Rs.500/- plus actual charges YES
of key/Non payment of rent
NOTE :
The Branch should immediately write to the locker
manufacturing Company for replacement of lock &
key and the new key should be given to the allottee
in a Company sealed pack.
E) Surrender of locker Rs.200/- YES
F) Safe custody charges
Gold loan closed but pledged ornaments are not Rs. 100 per month plus postage YES
claimed after 1 month from date of closoure after
sending the reminder notice to the loanee regarding
the charges.
20 MISC. CHARGES
A) Issue of duplicate share certificate Rs. 10 per certificate YES
B) Transfer of share certificate Rs. 10 per certificate YES
C) Issue of any other certificate by Bank. Rs. 10/- per certificate YES
D) I) Certificate for interest on term deposit/saving NIL N.A.
account or balance certificate
II) Duplicate certificate as above Rs. 10 per certificate YES
E) Stop Payment Instructions Rs. 10 per cheque per instruction YES
(All a/cs with cheque book facilities) Max. Rs.100/-
F) Revokment of stop payment Rs. 10 per instruction YES
G) No dues certificate Rs. 10/- per certificate YES
(In case of Govt. aided loans such charges need
not be collected)
H) Sign verification
a) In case of internal bank purpose NIL N.A.
b) In case of outsiders Rs.10/- YES
I) Charges to be collected for the Loss of Token Rs.100/- YES
(All a/cs)
Note : Some of the charges though not applicable
are enlisted above in the service manual, but will be
made applicable in the near future.
 
 
 
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