| Effective from: 01/08/2025 | ||
| SCHEDULE OF VARIOUS SERVICE CHARGES | ||
| 1.Commission for Collection of Cheques (OBC) | ||
| Amount | Charges (₹) | |
| Up to ₹1,000 | 15 | |
| ₹1,001 – ₹5,000 | 30 | |
| ₹5,001 – ₹10,000 | 60 | |
| ₹10,001 – ₹1,00,000 | 120 | |
| Above ₹1,00,000 | 180 | |
| 2. Bill Discounting | Bill Discounting Charges: 0.70% (₹0.70 per ₹100) | |
| 3. Pay Orders / Demand Drafts | ||
| Amount | Charges (₹) | |
| Up to ₹1,000 | 30 | |
| ₹1,001 – ₹5,000 | 50 | |
| ₹5,001 – ₹10,000 | 60 | |
| Above ₹10,000 | ₹12 for every ₹2,000 or part thereof (rounded to the next ₹2,000) | |
| 4.Locker Hire Charges (Annual) | ||
| Locker Type | Charges (₹) | |
| Small | 1,300 | |
| Medium | 1,800 | |
| Large | 2,500 | |
| 5. Additional Cheque Book Charges | ||
| > Savings Bank Accounts: First cheque book (30 leaves/year) – Free. Each additional cheque book – ₹50. | ||
| > Current/Cash Credit/Overdraft Accounts: First cheque book (30 leaves/year) – Free. Each additional cheque book – ₹50. | ||
| 6. Duplicate Passbook Charges | ||
| Account Type | Charges (₹) | |
| Savings Bank | 100 | |
| Current Account | 100 | |
| Recurring Deposit | 50 | |
| Overdraft Account | 100 | |
| 7. Cheque Return Charges (Inward and Outward Cheque Returns) | ||
| Account Type | Charges (₹) | |
| Savings Bank | 100 | |
| Current Account | 100 | |
| 8. Account Closure Charges | ₹100 | |
| 9. Charges for Various Forms/Bonds | ||
| Particulars | Charges (₹) | |
| Unsecured Loan Documents | 150 | |
| Secured Loan Documents | 100 | |
| Gold Loan Bonds | 30 | |
| FDL Bonds | 30 | |
| Term Loan Bonds | 100 | |
| SDL Forms/Bonds | 150 | |
| 10. Stop Payment Charges | ₹125 per instruction | |
| 11. Locker Break Open Charges | ₹750 | |
| 12. No Liability Certificate | ₹100 per certificate | |
| 13. Enquiry for Old Records | ₹125 per enquiry | |
| 14. Statement Charges | ||
| Account Type | Charges | |
| Current Account | ₹15 per page | |
| Savings Bank | ₹10 per page | |
| Overdraft Account | ₹5 per page | |
| 15. Gehan Release / EM Release | ₹200 per release | |
| 16. Minimum Balance Failure Charges | ||
| Account Type | Quarterly Average Balance | Charges (₹) |
| SB with Cheque Facility | ₹1,000 | 60 |
| SB without Cheque Facility | ₹250 | 30 |
| Current with Cheque Facility | ₹1,000 | 60 |
| Current without Cheque Facility | ₹500 | 30 |
| 17. RD Penalty Charges | ₹2 per ₹100 of overdue instalment | |
| 18. NACH Charges | ||
| Particulars | Charges (₹) | |
| Mandate Registration | 100 | |
| NACH Return Charge | 300 | |
| 19. Site Inspection (Valuation) Fees | ||
| Loan Amount | Charges (₹) | |
| Up to ₹1,00,000 | 200 | |
| ₹1,00,001 – ₹2,00,000 | 500 | |
| ₹2,00,001 – ₹5,00,000 | 700 | |
| ₹5,00,001 – ₹10,00,000 | 1,000 | |
| ₹10,00,001 – ₹25,00,000 | 2,000 | |
| Above ₹25,00,000 | 3,000 | |
| 20. Home Loan Stage Disbursement Charges | ||
| Loan Amount | Charges (₹) | |
| Up to ₹1,00,000 | 250 | |
| ₹1,00,001 – ₹25,00,000 | 500 | |
| Above ₹25,00,000 | 750 | |
| 21. Notice Charges | ||
| Notice Type | Charges (₹) | |
| Ordinary Notice | 20 | |
| Registered Notice | 50 | |
| Registered A/D Notice | 60 | |
| Securitisation Demand Notice | 750 | |
| 22. Locker Rent Overdue Charges | ||
| Delay Period | Charges (₹) | |
| Up to 3 months | 25 | |
| Above 3 months to 1 year | 75 | |
| Above 1 year | Nil | |
| 23. Processing Charges | ||
| Gold Loans | ||
| Scheme | Rate | |
| Gold Loan – Special | 0.35% | |
| Gold Loan – SS | 0.35% | |
| Gold Loan – MI | 0.35% | |
| Gold Loan – EME | 0.25% | |
| Gold Loan – Ordinary | 0.55% | |
| Gold Loan – Agricultural | 0.60% | |
| Term Loans | 0.70% | |
| 24. Cash Credit Renewal Charges | ||
| Credit Limit | Charges (₹) | |
| Up to ₹2,00,000 | 500 | |
| ₹2,00,001 – ₹5,00,000 | 750 | |
| Above ₹5,00,000 | 1,500 | |
| 25. CERSAI Charges | ||
| Particulars | Charges (₹) | |
| Charge Creation | 350 | |
| Charge Release | 100 | |
| 26. CIBIL Charges | ||
| Loan Type | Charges (₹) | |
| Secured Loans (Per Borrower) | 400 | |
| Unsecured Loans | 300 | |
| 27. ATM Charges | ||
| >Annual ATM Card Charges – ₹125 | ||
| >Transaction Slip Retrieval – ₹50 | ||
| Five free transactions at other bank ATMs are permitted. Charges are applicable beyond the free limit as per the Bank’s schedule. | ||
| 28. SMS Charges | ₹15 per account per quarter + GST | |
| 29. Legal Charges | ||
| Legal charges shall be recovered based on the applicable loan amount and legal opinion, as approved by the Bank from time to time. | ||
| 30. Site Inspection (Revaluation) Fees | ||
| Loan Amount | Charges (₹) | |
| Up to ₹1,00,000 | 200 | |
| ₹1,00,001 – ₹2,00,000 | 400 | |
| ₹2,00,001 – ₹5,00,000 | 500 | |
| ₹5,00,001 – ₹10,00,000 | 600 | |
| Note: All service charges are effective from 01/08/2025. GST shall be levied wherever applicable unless specifically stated that the rate is inclusive of GST. The Bank reserves the right to revise the above charges from time to time with the approval of the competent authority. | ||
