TERM DEPOSIT ACCOUNT Service Charges

SERVICE CHARGES FOR DEPOSITS

SR. No. DESCRIPTION OF SERVICE CHARGES Our Present Charges (Exclusive GST)
1 SAVING BANK ACCOUNT:
A Minimum Balance Required NEW A/c to be open with:
i) WITH CHEQUE BOOK WEF 01.04.2012. Rs. 1,000/-
ii) 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
a First Passbook / Continuation of Pass Book Free
b Issue of Duplicate Pass Book Rs. 50/- for 1st Page & Rs. 25/- Per Page thereafter.
c Issue of Duplicate Bank Statement (if required) Rs.100/- Per Folio (40 Entries)
di Issue of Cheque Book First 50 Cheque leaves free in a Financial Year. Thereafter Rs.3.00 per cheque leaf
dii Issue of Additional Cheque Book Rs.3.00 Per Cheque leaf
diii Issue of Loose Cheque Leaves Rs.20/- Per Leaf
div Charges for Unused Cheques at the time of Closure of Account
ei (If we have not charged Cheque Book Charges for SB Account) Rs.3.00 Per Cheque leaf
eii Cancellation of Mutilated Cheque Rs.3.00 Per Cheque leaf
f Charges for Account Closure Within 6 Months of opening: Rs.150/-
Above 6 Months of opening: Rs.100/-
g Cheque Return Charges
i) Inward Clearing Return Charges (Not Applicable in case of Technical Reason) Rs. 100/- + Rs.2.25 Per Thousand or Part Thereof
ii) Outward Clearing Return Charges (Not Applicable in case of Technical Reason) Rs.150/- Per Instrument
iii) Electronic Clearing Debit Return Charges (ECS/NACH Return Charges)
This Charge is not applicable in case of return due to Technical reason, such as 'Wrong Encoding', etc.		 Rs.100/- + Rs.2.25 Per Thousand or part thereof
iv) Outward Clearing Return Delivery Charges Actual Registered AD Charges
h.i Stop Payment Charges Rs.100/- Per Instrument. Maximum Rs.500/- Per instance
h.ii Stop Payment Instruction after Loss of Complete Cheque Book or Range of Cheques Charges (Above 4 Cheques) Rs. 200/- Per instance
i Withdrawal by Cheque or otherwise exceeding 50 per Half Year (Excluding system generated transactions on alternate delivery channel of Bank) Rs.5/- Per Withdrawal, after the 50th Transaction
2 CURRENT BANK ACCOUNT:
a Charges for Non-Maintenance of Minimum Balance of Rs.3,000/- Balance Below Rs. 3,000/-
i) Charges Per Month for Non-Maintenance of Average Monthly Balance (AMB) of Rs.3,000/- Rs.200/- Per Month
ii) If Balance is Below Rs. 3,000/- for 7 Days, in a Month Additional Rs.10/- for each day
iii) If Balance is Below Rs. 3,000/- for 20 Days, in a Month Rs.500/-
b Issue of Monthly Bank Statement (First Time/Original) Nil
c Issue of Duplicate Bank Statement Rs.100/- Per Computer Page or Part Thereof
d Charges for issue of Cheque Book for CA/CC/OD Account Rs. 3.00 Per Cheque
e Charges for Account Closure
i) Within Six Months Rs.400/- (OD Against FDR: Nil)
ii) Above Six Months Rs.300/- (OD Against FDR: Nil)
f Charges for Unused Cheques at the time of Closure of Account Rs.3.00 Per Cheque leaf
g Cheque Return Charges (For CC/OD & Loans also)
i) Inward Clearing Return Charges (Not Applicable in case of Technical Return) Rs.100/- + Rs.2.25 Per Thousand or Part Thereof
ii) Outward Clearing Return Charges (Not Applicable in case of Technical Return) Rs.150/-
iii) Electronic Clearing Debit Return Charges (ECS/NACH Return Charges)
This Charge is not applicable in case of return due to Technical reason, such as 'Wrong Encoding', etc.		 Rs.100/- + Rs.2.25 Per Thousand or part thereof
iv) Outward Clearing Return Delivery Charges Actual Registered AD Charges
h.i) Stop Payment Charges Rs.100/- Per Instrument. Maximum Rs.500/- Per instance
h.ii) Stop Payment Instruction after Loss of Complete Cheque Book or Range of Cheques Charges (Above 4 Cheques) Rs. 200/- Per instance
i Cash Deposit Handling Charges for CA / OD / CC Upto Rs.2.00 Lakh (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. 2/- per Thousand or part thereof or Rs.5/- Per Bundle of 100 Notes of each denomination or part thereof, whichever is higher
j Drawal against Uncleared cheques presented for Clearing (Prior approval from Competent Authority is necessary) (IBP) Not Applicable
3 Half-Yearly Service Charges for Current Account Rs. 250/- Per Half Year (For Current A/c)
4 TERM DEPOSIT ACCOUNT:
a Issue of Duplicate Receipt (Indemnity Bond with Proper Stamp Duty is to be obtained) Nil
b Changes in Operational Instruction (In all Deposit & Loan/OD/CC Accounts) Nil
c Balance Certificate First Certificate Free. Duplicate or Additional copies Rs.50/- Per Copy
d Accrued Interest Certificate (Both Deposit & Loan) First Certificate Free. Duplicate or Additional copies Rs.50/- Per Copy
e Penalty on RD for delayed payment of Monthly Installment:
i Account for the period upto 5 Years For Deposit upto 5 Years: Rs.1.50 for Rs.100/- Per Month
ii Account for the period above 5 Years For Deposit Above 5 Years: Rs.2.00 for Rs. 100/- Per Month
5 LOSS OF TOKEN (If Identified) Rs. 200/- Per Token
6a Cheque / Bills Collection (OBC) Outstation through Our Bank (Inclusive of Postage and Out of Pocket Expenses)
1 Upto & including Rs.5,000/- Rs.50/-
2 Above Rs.5,000/- and Upto & including Rs.10,000/- Rs.100/-
3 Above Rs.10,000/- and upto & including Rs.1.00 Lakh Rs.150/-
4 Above Rs. 1.00 Lakh Rs.200/-
6b Service Charges for Cheque collection under Speed Clearing (By Collecting Banks from Customer)
1 Upto and including Rs.1.00 Lakh NIL
2 Above Rs. 1.00 Lakh Rs.200/-
7 Cheque / Bills Collection (IBC) Outstation through Other Bank Rs.10/- Per Thousand, Minimum Rs.40/- + Other Bank's Charges + Postage. Maximum Rs.1,000/-
8 Bouncing of Cheques (OBC & IBC) Rs.75/- Per Instrument + Actual Postage
9a One Time Locker Registration Charges For Locker Size 'A', 'B' & 'C': Rs.500/- + GST. From Locker Size 'D' and above: Rs.1,000/- +GST
9b Safe Deposit Locker Annual Charges / Rent (2 years rent in advance to be taken) Changed As under: * / **
A= 6" * 4.5" = Rs. 800/-
B=7.5" * 6" = Rs.1,200/-
C=13" * 4.5" = Rs.1,400/-		 A= 6" * 4.5" = Rs.1,200/-
B=7.5" * 6" = Rs.1,400/-
C=13" * 4.5" = Rs.1,800/-
* Goods & Service Tax (GST) @ 18.00%* to be recovered separately * Goods & Service Tax (GST) @ 18.00%* to be recovered separately
D=9.5" * 7" = Rs.1,800/-
E=7.5" *12" = Rs.2,500/-
F=16" * 6" = Rs.2,500/-		 D=9.5" * 7" = Rs.2,500/-
E=7.5" *12" = Rs.3,500/-
F=16" * 6" = Rs.3,500/-
G=13" *10.5" = Rs.3,500/-
H= 20" * 7" = Rs.4,500/-
I= 20" *15.5" = Rs.5,500/-		 G=13" *10.5" = Rs.4,500/-
H= 20" * 7" = Rs.5,500/-
I= 20" *15.5" = Rs.6,500/-
9c Locker Operation Charges in a Financial Year 24 Times in a Financial Year Free. Rs.75/- Per Operation thereafter
9d Locker Rent Overdue Charges 1st Quarter 10% of Annual Rent
2nd Quarter 25% of Annual Rent
3rd Quarter 40% of Annual Rent
4th Quarter 50% of Annual Rent
9e Break Open of Lockers (Loss of Key or Non-Payment of Locker Rent) Rs.1,000/- + Actual Breaking Charges
9f Locker Closure Charges Rs.500/- + Monthly Proportionate Locker Rent to be taken. For this, fraction of Month to be treated as Full Month
10a Payorders / Demand Draft / Bankers' Cheque
a Issue of Pay Order / Demand Draft Rs.2.00 Per Thousand or part thereof, Minimum Rs. 25/- & Maximum Rs. 600/-
b Issue of HDFC At Par Cheque HDFC Charges + Rs.2.00 Per Thousand Or Part thereof, Min. Rs. 25/-, Max. Rs.2,000/-
c Issue of MSC/ MDCC Bank Cheques As per 10b. Above
d Issue of SBI/ Other Bank's Demand Draft As per 10b. Above
e Pay Order / Cheque / DD Revalidation Rs.50/- Per Instrument
f Pay Order / Cheque / DD Cancellation Rs.50/- Per Instrument
g Pay Order / Cheque / DD Duplicate Rs.50/- Per Instrument
11a Issue of Duplicate Share Certificate Rs. 50/- Per Certificate
(In case of Loss Share Certificate properly stamped indemnity bond is to be obtained)
11b Share Entrance Fee Rs. 100/- (No GST)
11c Transfer of Share Certificate (Excluding Death claim) Rs. 100/- Per Case
12 No Dues Certificate / NOC / Cheque Honoured Certificate, Account Maintaining Certificate, etc. First Certificate Free. Duplicate or Additional copies Rs.100/- Per Copy
13 OTHERS:
13a Balance Certificate First Certificate/ Original Free. Duplicate or Additional copies Rs.50/- Per Copy
13b Accrued Interest Certificate (Both Deposit & Loan) First Certificate / Original Free. Duplicate or Additional copies Rs.100/- Per Copy
13c Signature Attestation / Verification / Confirmation Charges Rs.100/- Per Document
13d Photo Attestation Charges Rs.100/- Per Occasion
13e Address Verification / Confirmation Charges Rs. 50/- Per Request
13f Changes in Operational Instruction (In all Deposit Accounts) Rs. 25/- Per Request
13fi Addition/ Deletion of Names in Joint Accounts / Nomination Rs.25/- Per Request
13fii In Case of Death Case No Charge
13g Allowing Operations Through Power of Attorney / Mandate Yearly Rs.500/- for Individual, Yearly Rs.1,000/- for Non-Individual
13h SMS Alert Charges Rs.5/- per Month. For Customers who Registered for SMS Services
13i Internet Banking: View Mode Only Free
13ji In-Operative/ Dormant Account to Operative NIL as per RBI Circular Dt. 27.02.2015
13jii Printing & Postage Charges for Notice Sent to Dormant/Inoperative Saving & Current Account Holders Printing & Postage Charges, at Actual
13k Enquiry Relating to Old Records for Item of More Than 1 Year Rs.200/- Per Enquiry, Per Occasion, Plus (+) Actual Expenditure
13l ATM Charges:
13li RUPAY ATM Card Issuance Charges (First Time) Free
13lii ATM Card / KIT Returned by Post/Courier Due to Wrong Address Rs. 100/- Per Occasion
13liii Debit Card Annual Maintenance Charges (For First Year Free, Applicable from Next Year) Rs. 125/- Per Year
13liv Replacement of Damaged Debit Card Nil
13lv Duplicate RUPAY ATM Card Charges / Replacement of Lost Debit Card Rs. 300/- Per Card
13lvi Duplicate PIN / Regeneration of PIN Charges Rs. 100/- Per Occasion
13lvii ATM Cash Withdrawal Transactions N.A.
13lviii On Cash Withdrawal / Balance Enquiry at ATMs of Other Bank Rs.25/- Per Transaction
13lix ATM Transaction Declined Charges (Only for insufficient funds when used at other Bank's ATMs) N.A.
13m Standing Instruction (SI) for Transfer of Funds from One Account to Another Account at: Free
13n Fund Transfer: RTGS / NEFT:
13ni Outward NEFT 1. Upto Rs.1.00 Lakh: Rs.5/-
2. Rs. 1.00 Lakh and above: Rs. 25/-
13nii Outward RTGS 1. Upto Rs.5.00 Lakh: Rs.25/-
2. Above Rs. 5.00 Lakh: Rs.50/-
13niii Inward NEFT & RTGS Free Free
13o Transfer of Account i. Within Bank: No Charge
ii. To Other Bank: As applicable for DD/Payorder issuance
13p Postal Charges:
13pi Ordinary Actual expenses. (Minimum Rs.20/-)
13pii Registered Post/Speed Post/Courier Actual expenses. (Minimum Rs.50/-)
14a Payment of Income Tax / Service Tax / M-VAT / CST / Professional Tax Per Transaction Rs. 50/-
14b Payment of Stamp Duty & Registration Charges Per Transaction Rs.100/-
14c Payment of Foreign Remittances Per Transaction Rs.200/- + Other Bank Charges
15a At Bank's Own ATM Free, Any numbers of time
15b 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%*
16 Service Charges for Exchange of Soiled / Imperfect Notes
16i Upto 20 pieces and value upto Rs.5,000/- Nil
16ii More than 20 pieces and / or Value more than Rs.5,000/- Rs.2/- Per piece on entire tender
16iii Value above Rs.5,000/- Rs.2/- Per piece or Rs.5/- per Rs.1,000/-, whichever is higher