Janaseva Sahakari Bank (Borivli) Ltd.

SERVICE CHARGES FOR DEPOSITS FROM 01.07.2017

i)	Minimum Balance	NEW A/c to be open with :
	WITH CHEQUE BOOK WEF 01/0/4/2012	Rs. 1000/-
ii)	Minimum Balance
	WITHOUT CHEQUE BOOK	Rs. 500/-
iii)	No Frills Account / Basic Saving Account	Nil.
a	Charges for non-maintenance of Minimum Balance	Not applicable WEF 01.06.2015.
b	Issue of Duplicate Pass Book	Rs.25/- for 1st Page &
		Rs.15/- Per Page thereafter.
c	Issue of Duplicate Bank Statement (if required)	Rs.10/- Per Folio.
d1	Issue of Loose Cheque Leaves	Rs.10/- Per Leaf.
d2	Issue of Cheque Book	Rs.2.00 per cheque leaf and 50 leaf free in the year.
e	Additional Cheque Book	Rs.2.00 Per Cheque leaf.
f	Charges for Account Closure	Within 6 months of opening :
		Rs.100/-

		Above 6 months of opening :
		Rs.50/-

g	Charges for Unused Cheques at the time
	of closure of A/c.	Rs.2.00 Per Cheque leaf.
	(If we are not charging Chq. Book Chgs
	for SB A/c.'s ) / Cancellation of Mutilated
	Cheques.
h	Cheque Return Charges :
i)	Inward Clearing	RS. 75/- + Rs.2.25 Per Thousand or Part Thereof.

ii)	Outward Clearing	Rs.75/- Per Instrument.
iii)	Electronic Clearing Debit Return ( ECS )	Rs.75/- + Rs.2.25 Per Thousand or part thereof.
iv)	Outward Clearing Return delivery Charges	Actual Registered AD Charges.
I	Stop Payment Charges	Rs.25/- Per Instrument.
		(Cheque Return Charges to be taken, if cheque presented for payment)
j	Changes in operational instruction	Nil.
	( In all Deposit Accounts)

CURRENT BANK ACCOUNT

a	Charges for Non-Maintenance of Minimum	Balance Below Rs. 3,000/-
	Balance of Rs.3,000/-	Rs.100/- Per Month.
b	Issue of Bank Statement	Nil.
c	Issue of Duplicate Bank Statement	Rs.25/- Per Computer Page or Part Thereof.
d	Charges for issue of Cheque Book for	Rs. 2.50 Per Cheque.
	CA/CC/OD
e	Charges for Account Closure :
	i) Within six months	Rs.200/- (OD Against FDR : Nil)
	ii) Above six months	Rs.100/- (OD Against FDR : Nil)
f	Cheque Return Charges : ( For CC/OD & Loans also )
i)	Inward Clearing	RS. 75/- + Rs.2.25 Per Thousand or Part Thereof.
ii)	Outward Clearing	Rs. 75/-
iii)	Electronic Clearing Debit Return	Rs.75/- + Rs.2.25 Per Thousand or part thereof.
iv)	Outward Clearing Return delivery Charges	Actual Registered AD Charges.

g	Drawal against Uncleared cheques	Not Applicable.
	presented for Clearing ( Prior approval from competent authority is necessary ) (IBP) -
h	Stop Payment Charges	Rs.25/- Per Instrument.
	( For CC/OD, Loans & Others such as Pay-Order, At-Par Cheques, Demand-Draft etc. also )	(Cheque Return Charges to be taken, if cheque presented for payment)
I	Changes in Operational Instruction	Nil.
	( In all Deposit Accounts)
j	Cash deposit handling charges for CA / OD / CC	Upto Rs.2.00 Lakhs (Consolidated) OR 1000 notes (Consolidated), per day is Free.
	( The user is required to debit the same manually on next day morning, as provided by IT Department)	Over and above limit for free transactions : Rs. 1/- per Thousand or part thereof or Rs.3/- Per Bundle of 100 Notes of each denomination or part thereof, whichever is higher.
	**To be rounded in nearest ruppes.
	e.g. : For deposit of Rs.100/- * 2350 Notes, Rs.50/- * 260 Notes & Rs.10/- * 335 Notes, Charges to be recovered Rs. 63/- only.	( Higher denomination notes will be taken into account for calculating first Rs.2.00 Lakhs )

Half-Yearly Service Charges for CA/CC/OD

Half-Yearly Service Charges for CA/CC/OD

Rs. 50/- Per Half Year. ( Current A/c) Based on Sanctioned Amount of CC/OD:
a.Upto Rs.50,000/- :Rs. 35/-
b.Rs. 50,001/- to Rs.1,00,000/-:Rs. 85/-
c.Rs.1,00,001/- to Rs.5,00,000/-:Rs.170/-
d.Above Rs.5,00,000/- : Rs.340/-

Term Deposit

a	Issue of Duplicate Receipt (Indemnity Bond with Proper Stamp Duty is to be obtained)	Nil.
b	Changes in Operational Instruction ( In all Deposit Accounts)	Nil.
c	Accrued Interest Certificate	Nil.
d	Penalty on RD for delayed payment of monthly installment A/cs for the period upto 5 yrsA/cs for the period above 5 yrs( Penalty leviable on delayed installmentmay be set off against payment of equal no. of advance installments )	i) For Deposit upto 5 Years : Rs.1.50 for Rs.100/- Per Month & ii) For Deposit Above 5 Years : Rs.2.00 for Rs. 100/- Per Month.

LOSS OF TOKEN

LOSS OF TOKEN ( If Identified )

Rs. 100/- Per Token.

Cheque / Bills Collection

Cheque / Bills Collection (OBC) Outstation through Our Bank ( Changed as per RBI Circular )	1.Upto & including Rs.5,000/-:Rs.25/- 2. Above Rs.5,000/- and Upto & including Rs.10,000/- : Rs.50/- 3. Above Rs.10,000/- and upto & including Rs.1.00 Lakh : Rs.100/-. 4. Above Rs. 1.00 Lakh : Rs.150/-.
Service Charges for Cheque collection under Speed Clearing ( By Collecting Banks from Customer )	1. Upto and including Rs.1.00 Lakhs : NIL, 2. Above Rs. 1.00 Lakh : Rs.150/-( From All Customers )
Cheque / Bills Collection (IBC) Outstation through Other Bank	Rs.5/- Per Thousand, Min Rs.20/-+ Other Bank's Chgs. + Postage. Maximum Rs.600/-
Bouncing of Cheques (OBC & IBC)	Rs.75/- Per Instrument + Postage.

Safe Deposit Locker Annual Charges / Rent

( 2 years rent in advance to be taken )	A= 6" X 4.5" = Rs. 800/- B=7.5" X 6" = Rs.1200/- C=13" X 4.5 = Rs.1400/-
* Goods & Service Tax (GST) @ 18.00%* to be recovered separately.	D=9.5" X 7" = Rs.1800/- E=7.5" X 12"= Rs.2500/- F=16" X 6" = Rs.2500/-
** 9% to be credited to 444/1 SGST Payable A/c., 9.00% to be credited to 444/2 CGST Payable A/c.	G=13" X 10.5" = Rs.3500/- H= 20'' X 7" = Rs.4500/- I= 20'' X 15.5" =Rs. 5500/-
Break Open of Lockers	Rs.300/- + Actual Breaking Charges.
Locker Operation Charges in a Financial Year Additional Each Operation after 24 times in a Financial Year	24 Times in a Financial Year Free. Rs. 50/- Per transaction thereafter.
Locker Rent Overdue Charges (This charges are require to be recovered manually.)	1st Quarter 10% of Annual Rent 2nd Quarter 25% of Annual Rent 3rd Quarter 40% of Annual Rent 4th Quarter 50% of Annual Rent.

Payorders

a.	Issue of Pay Order	Rs.1.50 Per Thousand or part thereof, Minimum Rs. 10/- & Maximum Rs. 500/-
b.	Pay Order / Cheque / DD Cancellation	Rs.15/- Per Instrument.
c.	Pay Order / Cheque / DD Duplicate	Rs.25/- Per Instrument.
d.	Pay Order / Cheque / DD Revalidation	Nil
e.	Issue of HDFC at par Cheque	HDFC Charges + Rs.1.50 Per Thousand Or Part thereof, Min. 15/-, Max.1500/-
f.	Issue of MSC/ MDCC Bank Cheques	Not Applicable.
g.	Issue of SBI/ Other Bank's Demand Draft	Not Applicable.

Issue of Duplicate Share Certificate

Issue of Duplicate Share Certificate ( In case of Loss share certificate properly stamped indemnity bond is to be obtained )	Rs.25/- Per Certificate.
Share Entrance Fee	Rs. 100/- ( No GST)
Transfer of Share Certificate ( Excluding Death claim )	Rs. 100/- Per Case.

OTHERS

a.	Balance Certificate	Free.
b.	Accrued Interest Certificate ( Both Dep & Loan )	Free.
c.	Signature Attestation / Verification	Rs.50/- Per Document.
d.	Photo Attestation Charges	Rs.50/- Per Occasion.
e.	In-Operative/ Dormant Account to Operative	NIL as per RBI Circular Dt. 27.02.2015.
f	SI for transfer of funds from one accountto another account at :
i)	Same Branch - Same person	Free.
ii)	Same Branch - Other person	Free.
iii)	Other Branch - Same Person	Free.
iv)	Other Branch - Other Person	Free.
v)	Default for SI for 2 consecutive months for Free. Non-availability of funds for revival of such instruction.
g	Enquiry relating to old records for item more than 1 year	Rs.100/- Per Enquiry, Per Occasion, Plus (+) Actual Expenditure.
h	Fund Transfer : RTGS / NEFT
i)	Outward NEFT	1. Upto Rs.1.00 Lakh : Rs.5/-, 2. Rs. 1.00 Lakh and above : Rs. 25/-.
ii)	Outward RTGS	1. Upto Rs.5.00 Lakhs : Rs.25/-, 2. Above Rs. 5.00 Lakhs : Rs.50/-
iii)	( Inward NEFT & RTGS Free )
I	RUPAY ATM CARD CHARGES	Free.
j	DUPLICATE RUPAY ATM CARD CHARGES	Rs. 200/- Per Card.

Transactions through other Banks

a	Payment of Income Tax / Service Tax / M-VAT / CST / Professional Tax .	Per Transaction Rs. 35/-
b	Payment of Stamp Duty & Registration charges.	Per Transaction Rs. 50/-
c	Payment of Foreign Remittances.	Per Transaction Rs.130/-

Charges for withdrawal/ operation at ATM location

a.	At Bank's Own ATM	Free, Any numbers of time.
b.	At other than Bank's own ATM	First 5 Transactions in a month Free, thereafter, Rs.20/- Per Financial transaction & Rs. 10/- Per Non-Financial transaction + Applicable Goods & Service Tax at 18%* thereon.

Note:
(*) The above charges are exclusive of new Goods & Service Tax (GST), Presently @ 18.00 %* of Service charges. *GST are subject to change, as per Government notification from time to time.
The above charges are not applicable to individual Staff Members or a retired staff member, who retired on superannuation only & in case of joint Account of staff member/s, where staff name appeared as first name only.
Special Scheme : Current Accounts shall be classified as Gold & Platinum based on Average Credit Balance matained therein for a minimum period of 6 Months and thereafter as under :
a) Average Credit Balance of Rs. 50,000/- and above and below Rs. 5,00,000/- shall be classified as Gold Account. : 50% Discount in the above charges.
b) Average Credit Balance of Rs. 5,00,000/- and above shall be classified as Platinum Account. : No Charges applicable at all.
For the above facility, Initially charges will be debited as per Service charges manual. Subsiquent Credit ( Net of GST), if applicable will be given after each six month period for Jan-June & July-Dec period, based on Average Credit Balance as above.