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TYPE OF CHARGES
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CHARGES (Excluding Taxes)
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1
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SAVING DEPOSIT
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a)
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Opening and Maintenance of minimum balance in the A/c
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[i] With cheque book
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Rs. 1000/- (Rs. 500/- for Satara District)
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[ii] Without cheque book
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Rs. 500/- (Rs.200/- for Satara District)
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b)
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Charges for failure to maintain minimum balance
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Rs. 50/- per month
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c)
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Closure of A/c
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[i] If closed within six months form date of opening
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Rs. 100/-
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[ii] If closed between six months to two years
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Rs. 50/-
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[iii] If closed after 2 years
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NIL
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[iv] Closure of Inoperative account
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Rs. 25/-
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[v] Charges for unused cheques
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Rs. 2/- Per cheque leaf
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d)
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Cheque Return Charges
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[i] Inward
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Rs.500/- +18% int.
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[ii] Outward
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Up to Rs. 10000 Rs. 100/-
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Above Rs. 10000 Rs. 200/-
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[iii] ECS DR/CR
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Rs. 500/-
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[iv] ACH / APBS / NACH ECS DR
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Rs. 100/-
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e)
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Issue of Duplicate Pass Book
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[i] With present balance
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Rs. 50 /-
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[ii] With previous entries
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Rs.50/ + Rs.10/- per page (Max. Rs.100/-)
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2
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CURRENT DEPOSIT
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a)
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Opening & Maintenance of minimum balance in the A/c
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Rs. 2000/- (Rs.1000/- for Satara District)
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b)
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Charges for failure to maintain minimum balance
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Rs. 100/- per month
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c)
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Incidental Charges
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Rs. 300/- half yearly
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d)
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Closure of A/c
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[i] If closed within one year from date of opening
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Rs.500/-
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[ii] If closed after one year
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Rs. 100/-
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[iii] Charges for unused cheques
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Rs. 5/- per cheque leaf
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e)
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Issue of Cheque Book
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Rs. 1/- per cheque
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f)
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Issue of Duplicate Statement
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Rs. 15 /- for each page of statement
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g)
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Cheque Return Charges
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[i] Inward
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Rs.500/- +18% int.
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[ii] Outward
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Up to Rs. 10000 Rs. 100/-
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Above Rs. 10000 Rs. 200/-
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[iii] ECS DR/CR
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Rs. 500/-
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[iv] ACH / APBS / NACH ECS DR
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Rs. 100/-
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3
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TERM DEPOSIT
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a)
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Issue of Duplicate Receipt
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Rs. 25/-
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b)
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Recurring Deposit (Payment for delayed payment)
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Rs. 1.50/- for every Rs. 100/-
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4
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LOAN & ADVANCES
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a)
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Cost of Application Forms
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[i] Personal Loan
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Rs. 100/-
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[ii] Business Loan
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Rs. 200/-
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[iii] Bank Guarantee & Solvency Certificate
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Rs. 50/-
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[iv] Housing Loan
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Rs. 150/-
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[v] Membership
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Rs. 5/-
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b)
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Nominal Membership
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Rs.100/-
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c)
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Processing Fees (Service Charges)
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Non- Refundable
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[i] Personal Loan / Business Loan
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Rs.5000/- to 25000/- - Rs.150/-
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Rs.25001/- to 50000/- - Rs.250/-
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Rs.50001/- to 100000/- - Rs.500/-
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Rs.100001/- to 500000/- - Rs.1000/-
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Rs.500001/- to 2500000/- - Rs.2500/-
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Above 25/- lacs to 50 lacs - Rs.3500/-
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Above 50/- lacs to 1 Crore - Rs.5000/-
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Above 1 Crore - Rs.7500/-
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[ii] Gold Loan
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0.25 % Minimum Rs. 200/-
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[iii] Vehicle Loan
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0.50%
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d)
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Notice Charges to Defaulters
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[i] Default Notices through System / Manual
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Rs. 100/- per notice
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[ii] Advocate Notice
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Rs. 500/- per notice
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[iii] Any Other Notices
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Rs. 30/- per notice
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e)
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Case File Charges
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Actual
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f)
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Visit Charges for recovery /non renewal/ non-operation
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Rs. 200/- per visit plus actual conveyance
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g)
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Assignment / Re-Assignment of NSC/KVP/IVP
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Rs.20/- per certificate
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h)
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Encashment of NSC/ IVP/ KVP/Share Certificate
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Rs.50/- per cert. plus actual conveyance
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i)
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Assignment/Re-assignment/Encashment of LIC Policy
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Rs.50/- per policy plus actual postage
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j)
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Vehicle Loan
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[i] Issue of N.O.C. to R.T.O. per vehicle
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Rs. 25/- per vehicle
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[ii] Seizing Charges
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a] Two Wheeler / Three wheeler / Light Motor Vehicle
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Rs. 500/-
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b] Heavy Vehicle
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Rs. 3500/-
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k)
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CASH CREDIT/ODFA/ODFDR/OD Clean/ CURRENT/SB A/c
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i) Adhoc Limit & Temporary Overdraft (TOD)
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2 % Additional interest over regular rate of Interest
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ii) Unclear Effects i.e. Against Clearing
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20% p.a. / Minimum Rs.25/- or Actual
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iii) TOD in Current Account
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20% p.a.
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iv) Non submission of stock/book debts statements
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Rs. 300/- + Monthly charges of 2% over and above interest rate applicable till submission of statement
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v) Non-renewal of cash credit facility within 3 months
from the date of expiry of limit
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2.00% over & above the interest rate applicable
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vi) Visit Charges to borrower (For verification of Stock/ Book Debts, once in a quarter)
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(a) Limit upto Rs.1/- lac
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Rs. 50/- Per visit + Actual Conveyance
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(b) Above Rs. 1/- lac upto Rs. 5/- lacs
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Rs. 100/- Per visit + Actual Conveyance
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(c) Above Rs. 5/- lacs upto Rs.10/- lacs
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Rs. 200/- Per visit + Actual Conveyance
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(d) Above Rs. 10/- lacs
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Rs. 500/- Per visit + Actual Conveyance
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vii) Non-display of Banks name board in office/ factory
premises/ on machinery/on vehicle
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Rs. 200/-
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l)
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Gold Loan A/c
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Sale of pledged gold ornaments by auction
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1. Loan upto Rs.5,000/-
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NIL
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2. Above Rs.5,000/- to Rs. 50,000/-
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Rs. 125/-
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3. Above Rs. 50,000/-
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Rs. 250/-
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5
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BANK GUARANTEE
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(a) Fully Secured (100% Fixed deposit)
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2% of B. G. Amount p.a.
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(b) Partly Secured (at least 25% FDR)
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2% of B. G. Amount p.a.
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6
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SOLVENCY CERTIFICATE
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Rs.100/- per Rs.1/- lac or part thereof subject to maximum Rs.1000/-
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7
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ISSUE OF INLAND LETTER OF CREDIT
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I. (a) Commitment charges
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20 paise per Rs. 100/- per Quarter or part thereof
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(b) Postage etc.
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Actual postal charges
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II. (a) Simple Amendment
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Rs.100/-
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(b) Enhancement commitment charges
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Usance commission as above on amt. by which L/C is enhanced subject to minimum of Rs.100/- Commitment charges as above (No commitment charges if extension does not run into fresh period of 3 months) subject to minimum of Rs. 100/-
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(c) Extension
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Commitment charges as above (No commitment charges if extension does not run into fresh period of 3 months) subject to minimum of Rs. 100/-
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(d) Reinstatement commission for Revolving L/C
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Commitment charges at 20 paise per Rs.100 plus usance charges as above subject to minimum of Rs. 100/-
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(e) Postage etc.
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Actual postal charges
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8
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- COLLECTION OF OUTSTATION CHEQUES (IBC/OBC)
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Saving A/c Customer Other Type of Customer
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i) Upto Rs. 5000
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Rs. 25/- Rs. 50/-
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ii) Above Rs.5000 upto Rs.10,000
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Rs. 50/- Rs. 75/-
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iii) Above Rs.10,000 upto Rs.1,00,000/-
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Rs. 100/- Rs. 125/-
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iv) Above Rs. 1 lac
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Rs.1.25/- per Rs.1000/- Max. Rs. 2000/-
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- NATIONAL CLEARING
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(i) OUTWARD NATIONAL CLEARING CHEQUES
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Rs. 50/- per instrument
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(ii) NATIONAL CLEARING CHEQUE RETURN UNPAID
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Rs.50/- per instrument
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- COLLECTION OF OUTSTATION BILLS
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(IBC/OBC/BD/ UNDER L/C)
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i) Upto Rs. 1000
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Rs.25/- + Postage
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ii) Above Rs.1000 upto Rs.5000
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Rs.40/- + Postage
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iii) Above Rs.5000 upto Rs.10,000
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Rs.60/- + Postage
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iv) Above Rs.10,000 upto Rs.1,00,000
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Rs.6/- per Rs.1000/- + Postage
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v) Above 1 lac
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Rs.600/- + Rs.2.50 per 1000 above 1 Lac + Postage
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9
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PAY ORDERS
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[a] Issue of Pay Orders
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i) Up to Rs.500
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Rs.10/-
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ii) Above Rs.500 up to Rs.1000
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Rs.15/-
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iii) Above Rs. 1000 up to Rs. 5000
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Rs.20/-
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iv) Above Rs.5000 up to Rs.10000
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Rs.25/-
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v) Above Rs.10000 up to Rs.50000
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Rs. 50/-
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vi) Above Rs.50000 up to Rs. 1 lac
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Rs.75/-
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vii) Above Rs.1 lac up to Rs.5 lacs
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Rs.100/-
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viii) Above Rs.5 lacs upto Rs.10 lacs
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Rs. 250/-
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viii) Above Rs.10 lacs
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Rs. 500/-
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[b] Revalidation / Cancellation of pay order
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Rs.20/-
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[c] Issue of other banks Demand Draft & At Par Cheque
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Up to 1000/- Rs.5/- 1001/- to 5000/- Rs.15/- 5001/- to 10000/- Rs.20/- Above Rs. 10000/- Rs.2/- per thousand
Maximum Rs.1500/- Postage Extra
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10
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SAFE DEPOSIT LOCKERS
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[a] Opening of Lockers
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Form Fee Rs.50/- Stamp Fee Rs.100/- As per Act
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Note:- Key Deposit may be obtained for locker. It should not be under re-investment scheme. It should be renewed every year & arrears of locker rent if any should be recovered from fixed deposit amount & only balance amount should be renewed.
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(1) Size No.1 Rs. 25,000/-
(2) Size No.2 Rs. 50,000/- (3) Size No.3 Rs.1,00,000/-
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[b] Rent per Year (1st April to 31st March)
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Size No.1
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Rs.1,000/- (Rs. 600/- for Satara District)
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Size No.2
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Rs.1,800/- (Rs.1,000/- for Satara District)
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Size No.3
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Rs.3,500/- (Rs.2,000/- for Satara District)
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[c] Penalty for late payment of Rent
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Rs.25/- per month or part thereof
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[d] Break open of Locker
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Rs.500/- plus Actual Charges
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[e] Surrender of Locker
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Rs. 200/-
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11
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RTGS, NEFT & E-TAX
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(i) RTGS
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- Rs.2.00 Lac to Rs. 5.00 Lac
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Rs. 25/-
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- Rs. 5.00 Lac above
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Rs. 50/-
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(ii) NEFT
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- Up to Rs.1.00 Lac
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Rs. 5/-
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- Rs. 1.00 Lac above
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Rs. 25/-
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(iii) E-TAX (Per Challan)
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Rs. 100/-
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12
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GENERAL
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[a] Issue of duplicate Share Certificate
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Rs.50/- per certificate
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[b] Issue of any other Certificate by Bank
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Rs.50/- per certificate
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[c] Transfer of Share Certificate
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Rs.50/- per certificate
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[d] Certificate of Interest on Deposit / Balance Certificate
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NIL
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[e] Stop Payment Instructions
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Rs. 10/- per cheque Max. Rs.100/-
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[f] Revoke of Stop Payment Instruction
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Rs. 10/- per cheque Max. Rs.100/-
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[g] No dues certificate (in case of Govt.aided loans such
charges need not collected)
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Rs.10/- per certificate
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[h] Signature Verification
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i) In case of internal bank purpose
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Nil
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ii) In case of outsiders
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Rs.10/-
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[i] Charges to be collected for the Loss of Token
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Rs.100/-
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