SERVICE CHARGES MANUAL (2018-19)

SR

NO.

    PARTICULERS SERVICES CHARGES

1)

   

SAVING DEPOSIT

 
 

a)

1)

Opening & maintenance of minimum balance in the A/c

 
    i) With Cheque book Rs. 700/-
 

 

ii) Without Cheque book Rs. 500
 

b)

 
PENALTY
 
    i) Charges for failer to maintain balance (Monthly) Rs. 25/-
 

c)

 
CLOSURE OF ACCOUNT

 

 
    i) If closed within 3 Months from date of opening the account. Rs. 100/-
    ii) If closed within one year from date of opening the account Rs. 50/-
    iii) If closed after one Year Rs. 25/-
    iv) Transfer of Dormat A/c. to operative A/c Rs. 25/-
    v) Closure of Dormat A/c Rs. 50/-
    vi) Unused cheque Book [Per Leaf] Rs. 2/-
    vii) While Closure of A/c, if unused cheques not presented [Per] Rs. 2/-
 
d)
 
INWARD CLEARING CHEQUE RETURN CHARGES
 
     

(Plus 18% Int. Per Day)

Rs. 100/-
      Outward clearing cheque return charge. Rs. 50/-
      ECS mandate Debit Cleg. Rs. 100/-
 
e)
 
ISSUE OF CHEQUE BOOK
 
    i) More than 50 cheque Leaves in accounting year.

Rs.1.50

(Per chq.Leaf)

 
f)
 
ISSUE OF DUPLICATE PASSBOOK
 
      (Including Present & Previous Entries) Rs. 50/-

2)

   

CURRENT ACCOUNT & C.C ACCOUNT

 
  a)  
Opening & Maintenance of minimum balance in Current Account.
Rs. 2000/-
  b)  
Charge for failure to maintain minimum balance per month.
Rs. 150/-
  c)  
Closure of current account
 
    i) If Closure within 3 months from the date of opening. Rs. 150/-
    ii) If Closure within one year Rs. 100/-
    iii) If Closure after one year Rs. 75/-
    iv) Dormat A/c. transferred to operative A/c. Rs. 50/-
    v) Closure of Dormat A/c. Rs. 75/-
    vi) Charges for Unused cheques to be collected at the time of closure of current Rs. 2/- (per leaf)
    vii) If unused cheques not retd. Rs. 2/- (per leaf)
 
d)
 
Issue of Cheque Book (Current , C.C. & OD A/c.)
Rs. 2/- (per leaf)
 
e)
 
Issue of Duplicate statement of Account for Current And cash credit Account.
 
    i) for first page Rs. 50/-
    ii) Next pages Rs. 25/-
 
f)
 
Inward clearing cheque return charges.
 
      (Plus 18% Int. Per day) Rs. 200/-
      Outward Clearing Cheque return Charges. Rs. 50/-
      ECS Mandate Debit Cleg. Rs. 200/-
 
g)
 
In Operative Cd A/c (Half yearly Closing Charges Mar./Sept.)
Rs. 100/-

3)

   

TERM DEPOSITS

 
      Issue of duplicate Receipt. (Per Receipt.) Rs. 25/-
 
a)
 
(To be issued in the form of certificate)
 
 
b)
 
Default of RD A/c instalment (monthly per Rs.100)
Rs. 2/-

4)

   

LOAN ADVANCES, CASH CREDIT A/C & OTHER FORMS

 
 
a)
 
Supply of Applicatin forms
 
    i) Personal Loan Rs.50/-
    ii) Business Loan Rs.150/-
    iii) Vehicle Loan Rs.150/-
    iv) House loan(SPGY) Rs.150/-
    v) Other Loan (Gold ,NSC, KVP Etc)  
      up to Rs.10000/- Rs.50/-
      Above Rs. 10000/- Rs.75/-
    vi) Membership Rs.25/-
    vii) Nominal Membership Rs.25/-
 
b)
 
Processing Charges (Services Charges)
 
    i) Up to Rs.50,000/- Rs.500/-
    ii) Rs.50,000 to Rs 5.00 Lacs Rs.500/-+0.50%
    iii) Rs.5.00 lacs to Rs 30.00 Lacs Rs.2500/-+0.30%
    iv) Above Rs. 30.00 Lacs Maximum Rs.10000/-
      For SPGY Loans  
      (a) Up to Rs.5.00 lakh Rs. 2,500/-
      (b) Rs. 5.00 lakh & up to Rs.10.00 lakh. Rs. 3,500/-
      (c) Rs.10.00 lakh up to 25 lakh Rs. 5,000/-
      (d) Rs.25.00 lakh up to 50 lakh Rs. 7,500/-
      (e) Rs.50.00 lakh up to 70 lakh Rs.10,000/-
      For gold Loan  
      (a) Up to Rs.25000/- Rs.50/-
      (b) Above Rs.25001/- Rs.100/-
      (Note : While renewal of clean O.D. , C.C. Charge Processing fee)  
 
c)
 
Late Submission of Stock Statement (for CC & Term Loan)
 
    i) Up to Rs.1.00 Lacs Rs.100/-
    ii) Rs.1.00 Lacs to Rs.5.00 Lacs Rs.200/-
    iii) Rs.5.00 Lacs to Rs.10.00 Lacs Rs.300/-
    iv) Above Rs.10.00 Lacs Rs.400/-
 
d)
 
Notice of Defaulters
 
    i) for Surety Loan Rs.50/-+Postage
    ii) Other Loan Notices / Legal Notices  
      a) First Notice Rs.100/-+ Postage
      b) Second Notice Rs.200/-+ Postage
      c) Third Notice Rs.300/-+ Postage
      Case File Charges (For all Loans) Rs.200/-+ Actual Exp.
 
e)
 
Visit Charges (Inspection & Recovery)
Exp.
    i) Surety Loan Rs.100/- Per Visit
    ii) Vehicle Loan Rs.250/- Per Visit
    iii) Business Loan  
      a) Up to Rs.1.00 Lac Rs.150/- Per Visit
      b) Rs.1.00 Lacs to Rs.2.00 Lacs Rs.250/- Per Visit
      c) Rs.2.00 Lacs to Rs. 5.00 Lacs Rs.500/- Per Visit
      d)Above Rs.5.00 Lacs Rs.750/- Per Visit
    iv) Other Loans Rs.100/- Per Visit
    v) Visit Out Of Mumbai Actual Exp.
 
f)
 
VEHICLE ETC.
 
    i) Issue of N.O.C. to R.T.O per vehicle Rs.100/-
    ii) Seizing Charges  
      a) Light motor Vehicle :- Car , Jeep, Tempo Etc Rs.500/-+Towing Charges(if vehicle in dead Cond.)
      b)Heavy Vehicle :- Trailer , Truck, Bus, JCB Etc Rs.1000/-+Towing Charges(if vehicle in dead Cond)
      c) Out of Mumbai Rs.1500/-+Actual Exp.
 
g)
 
Gold VALUATION CHARGES (Only for Gold Smith)
 
      Per 10gm. Rs.2/-
 
h)
 
ENCASHMENT OF NSC/KVP ETC. (By Bank Only)
Rs.25/-per Cert.+Travelling exp.
 
i)
 
ASSIGNMENT OF NSC/KVP ETC
Rs.25/-per Cert.+Travelling exp.
  j)  
TRADE CERTIFICATE
 
    i) For All Types of Vehicles (to be shown as other Income) Rs.200/-
 
k)
 
Temporary Over Draft (After approval of H.O.)
Charges 18% Per. Int.
 
l)
 
Non-Display of Bank Name board in business/office/factory/ premises/ on machinery / on vehicle (When noticed during visit to concerned parties)
Rs.200/-
 
m)
 
Recovery of Surcharge:
 
      a) After obtaining Recovery Cert. or Hukumnama 0.50%
      b) Property forfeited but before Auction 0.75%
      c) After Auction 1.50%
 
n)
 
BANK GUARANTEE
 
      Fully Secured (100% Fixed Deposit) (Also recover charge of claim period) 1% per year & Minimum Rs.500/-

5)

   

SOLVANCY CERTIFICATE

 
  a)   Up to Rs.1.00 Lacs Rs.100/-
  b)   Rs.1.00 Lacs to Rs. 10.00 Lacs Rs.200/- Per lacs
  c)   Above Rs. 10.00 Lacs Rs.2000/-

6)

a)

 
Outstation Cheques Sent for Collection :-
 
    i) Up to Rs.500/- Rs.15/-+Postage
    ii) Rs.501/- to Rs.1000/- Rs.25/-+Postage
    iii) Rs.1001/- to Rs.5000/- Rs.45/-+Postage
    iv) Rs.5001/- to Rs.10000/- Rs.55/-+Postage
    v) Above Rs. 10001/- Per thousand Rs.5/-+postage
    vi) Maximum Rs.5000/-  
 
b)
 
Outstation Bills Sent for collection :-
 
    i) Up to Rs.500/- Rs.15/-+Postage
    ii) Rs.501/- to Rs.1000/- Rs.35/-+Postage
    iii) Rs.1001/- to Rs.5000/- Rs.55/-+Postage
    iv) Rs.5001/- to Rs.10000/- Rs.65/-+Postage
    v) Above Rs. 10001/- Per thousand Rs.5/-+postage
 
c)
 
Outstation Bills/ Cheques Recevied for Payment :-
 
    i) Up to Rs.10000/- Rs.25/-+ Postage
    ii) Rs.1001/- to Rs.1.00 Lacs Rs.50/-+ Postage
    ii) Above Rs. 1.00 Lacs Rs.100/-+ Postage

7)

   

PAY ORDERS ETC.

 
 
a)
 
ISSUE OF PAY ORDERS.
 
    i) Up to Rs.500/- Rs.10/-
    ii) Rs.501/- to Rs.1000/- Rs.20/-
    iii) Rs.1001/- to Rs.5000/- Rs.30/-
    iv) Rs.5001/- to Rs.10000/- Rs.40/-
    v) Rs.10001/- to Rs.1 Lacs Per thousand Rs.2/- Maximum Rs.200/-
    vi) Rs.100001/- to Rs.2 Lacs Per thousand Rs.2/- Maximum Rs.400/-
    vii) Rs.20001/- to Rs.10 Lacs Per thousand Rs.2/- Maximum Rs.2000/-
    Viii) Above Rs. 10.00 Lacs Max. Rs.2500/-
 
b)
i) Revalidation of pay order within one year from date of issue. Rs.25/-
    ii) Cancellation of Pay order. Rs.25/-
    iii) Issued of Duplicate Pay Order Rs.100/-
    iv) Stop Payment Rs.50/-

8)

   

SAFE DEPOSIT LOCKERS

 
 
a)
 
Opening of Lockers
 
    i) Key Deposit Rs.5000/- for New Locker only
    ii) Service Charges (While Allotment of Lockers)  
      Form Fee Rs.25/-+Actual Stamping Charges
    iii) Locker Rent Per Year  
      Small Rs.500/-
      Medium Rs.1000/-
      Big Rs.1500/-
      (Recover Yearly Locker Rent in April Month) Rs. 2000/-
    iv) BRAKE OPEN OF LOCKER IN CASE OF LOSS OF KEY / Rs.200/-+Com.
      NON PAYMENT OF RENT. Actual Exp.
      Note :- The Branch should immediately write to the locker mfg. company for replacement of lock & key should be given to the new allotted in a company sealed pack...  

9)

   

RTGS Charges

 
      Rs.2.00 lacs to Rs.5.00 Lacs Rs.25/- (Including service Tax)
      Above Rs. 5.00 lacs Rs.50/- (Including service Tax)

10)

   

NEFT Charges

 
      Up to Rs.10000/- Rs. 2.50
      Rs.10000/- to Up to rs.1.00 Lacs Rs.5.00(Including Service Tax)
      Above Rs.1.00 Lacs to Rs.2.00 Lakh Rs.15/-(including Service Tax)
      Above Rs.2.00 Lakh Rs.25/-(including Service Tax)

11)

   

GENERAL

 
    i) Issue of any other certificate by Bank.  
      Certificate for interest on term Deposit / Saving A/c or Balance Certificate (First certificate free) Next certificate Rs.20/- Per Cert
    ii) Stop Payment Instructions. (All A/c's with cheque book facilities) Rs.50/- Per Chq.
    iii) ECS mandate registration for debit cleg. Rs.100/- Per mandate
    iv) Sign verification.  
      In case of outsiders Rs.50/-
    v) Charges to be collected for the loss of Tokan (All A/c's) Rs.100/- Per Token
    vi) issue of duplicate ATM Card (Each card) Rs.50/-
    vii) Issue of duplicate Share Certificate (For each cert.) Rs.25/-
    viii) Fate Enquiry  
      a) Saving A/c. Rs.25/-
      b) Current A/c. Rs.50/-
    ix) Member Enterance Fees  
      a) A Class Member Rs.100/-
      b) Nominal Member Rs.100/-

12)

   

CREDIT REPORT OF A PARTICULERS CUSTOMER PRIVATE & CONFIDENTIAL (For Other Bank's)

Rs.50/- Per Cert.

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