Service Charges

Sl No Particular
1 Acceptance of cash at CBS branches for credit of the customer’s account at other than home branch (inter city) i) Maximum cash deposit not to exceed Rs. 100000/- per day
ii) Upto 50000/- At par, Above 50000/- service charge of Rs 50/-+GST
Additional
Cash can be remitted at any CBS branch by an account holder or his authorised representative for credit of his Loan accounts including NPA accounts at PAR.(NA for regular SOD/CCOD for which applicable charges to be collected.)
2 AMC (Annual maintenance charges) for ATM cards For First Year of the Card no charges.From Second Year Rs. 100/- + (GST as applicable), per annum excluding PMJDY (Auto debit in CBS)
3 Cancellation/revalidation of DDs/Pay orders Rs. 100/- per instrument+GST
4 Cash handling charges CA a/cs i)Upto Rs. 1.00 lakh- NIL
ii)Above Rs. 1.00 lakh- Rs. 2/ per '000 or part there of with a minimum of Rs. 100/- & maximum of Rs. 2500/-+ GST

Separate product offering relaxation will be introduced shortly.
( CC, SOD & ODD a/cs) i)Upto Rs. 2.00 lakh- NIL
ii)Above Rs. 2.00 lakh- Rs. 1/ per '000 or part there of with a minimum of Rs. 100/- & maximum of Rs. 2500/-+ GST
Exemptions
Cash handling charges Exempted category: KCC accounts
5 Cash handling charges ( CC, SOD & ODD a/cs) i) Upto ? 2.00 lakh- NIL
ii)Above ? 2.00 lakh- ? 1/ per '000 or part there of with a minimum of Rs. 100/- & maximum of ? 2500/-+ GST
Exemptions
Cash handling charges Exempted category: KCC accounts
6 Cash handling charges - CA a/cs i)Upto ? 1.00 lakh- NIL
ii)Above ? 1.00 lakh- ? 2/ per '000 or part there of with a minimum of ? 100/- & maximum of ?2500/-+ GST
7 Cash withdrawal charges at non home branches Maximum amount that can be cashed in a single day from all non home branches of the Bank by the customer Maximum withdrawal Rs.50,000/- only by cheques subject to production of Pass book
Encashment of uncrossed third party cheques Encashment of uncrossed third party cheques is permitted only at home branch and not at non-home branches.
8 Change in operational instruction Rs.50/-+GST
9 Charges for closure of SB/Current A/cs Irrespective of age of the A/c, Rs. 50/- for SB A/c & Rs. 100/- for Current A/c+GST.

Exemption: *For the transfer of SB A/cs from one Branch. to another.
*Death of depositor
10 Charges for issuing copy of old records:For ex: Copy of DD purchased from the Bank, copy of cheque issued and debited to the account etc., for any specific purpose subject to permission from the Competent authority 250/-+ GST upto 6 months old, 500/- +GST beyond 6 months.(Staff/Ex-staff exempted)
11 Charges for issuing of cheque book In Urban & Semi Urban areas i.Rs. 4 + GST. per cheque leaf for SB/Current/OD/CC A/c holder
ii. For SB A/cs of individuals, first 25 leaves will be issued free in a calendar year
In Rural areas i. Rs. 4+GST. per cheque leaf for SB/Current/OD/CC A/c holder
ii. For SB A/cs of individuals, first 25 leaves will be issued free in a calendar year
Exemptions
SB/ODD /OD A/cs of Staff members.
12 Charges for issuing Solvency Certificate: • Upto Rs 1.00 lakh- Rs 750/-+GST
• Above Rs 1.00 lakh upto Rs 25.00 lacs- Rs 3000/- +GST
• Above Rs 25.00 lacs to Rs 50.00 lakhs- 6000/-+GST
13 Collection of Local/Clearing cheques Only out of pocket expenses if any
Exemptions
Branches falling under CTS clearing house shall collect applicable charges relating to local cheque collection as mentioned in Sl No 3 above. Collection of cheques relating to old age pension/Student scholarship shall be collected at PAR without charges/Out of pocket expenses
14 Commission / Service Charges for premature closure of ND a/c / Transferring ND amount to Loan A/c (i) Premature closure before 6 months from the date of opening the account is not allowed.

(ii) 2 % commission is to be collected for premature closure after 6 months of first instalment and up to one year.

(iii) iii) For transfer of partial ND amount to loan accounts 2% commission is to be collected irrespective of completed period of deposit.

(iv) Not to pay commission for the lumpsum collection made in anticipation of refund of SD Account or during the period of Six months preceding the date of refund / maturity/ closure of Account. The "Lumpsum collection" for the purpose will mean and include any monthly collection made by an Agent exceeding three times the normal / Average monthly collection during the period of Six months immediately preceding the date of such collection.

15 Commission on Bank guarantee i. Performance Guarantee (i.e. Guarantee issued in respect of performance of non-monetary obligation of the party). ? 250/- plus 3% p.a.+GST with minimum of 1.5%
ii. Other than performance Guarantee ? 250/- plus 3.0% p.a.+GST with minimum of 1.5%
iii. For BGs more than ? 50 lakh ? 12,500 + ? 125/- per every lakh or part there of exceeding ? 50 lakh with a maximum of ? 5 lakh
iv.Processing charges in Addition to commission For BGs upto ? 50 lakh Processing charges at the rate of 0.25% of BG amount with a minimum of ? 25/. For BGs more than ? 50 lakh ?12,500 + ? 125/- per every lakh or part there of exceeding ? 50 lakh with a maximum of ? 5 lakh
v. If above Guarantees are secured by 100% cash margin in Term dep ? 250+ 25% of stipulated charges + 25% of applicable processing charges+ GST
i. Performance Guarantee (i.e. Guarantee issued in respect of performance of non-monetary obligation of the party). ? 250/- plus 3% p.a.+GST with minimum of 1.5%
ii. Other than performance Guarantee ? 250/- plus 3.0% p.a.+GST with minimum of 1.5%
iii. For BGs more than ? 50 lakh ? 12,500 + ? 125/- per every lakh or part there of exceeding ? 50 lakh with a maximum of ? 5 lakh
iv.Processing charges in Addition to commission For BGs upto ? 50 lakh Processing charges at the rate of 0.25% of BG amount with a minimum of ? 25/. For BGs more than ? 50 lakh ?12,500 + ? 125/- per every lakh or part there of exceeding ? 50 lakh with a maximum of ? 5 lakh
v. If above Guarantees are secured by 100% cash margin in Term dep ? 250+ 25% of stipulated charges + 25% of applicable processing charges+ GST
16 Commission on Bills Upto Rs.1000/- Rs.100/-+ GST
Above Rs.1000/- Upto Rs. 5000/- Rs.100/-+ GST
Above Rs.5000/- Upto Rs. 10000/- Rs.100/-+ GST
Above Rs. 10000/- Upto Rs. 100000/- Rs.8/- per Rs.1000 Min - Rs.100/-+GST
Above Rs. 1 lakh Rs.8/- per Rs.1000 Min - Rs.800/- Maximum Rs.15000/-+GST
17 Commission on outstation cheques Inclusive of Postage and other out pocket expenses Inclusive of Postage and other out pocket expenses
Above Rs.5000/- & up to & including 10000/- Rs. 50/- + GST
Above Rs.10000/- and up to & including Rs. 1.00 Lakh Rs.100/- + GST
Above Rs.1.00 Lakh Rs. 5/- per 1000 + GST (Minimum 500/- Maximum 12000/- )
18 Cost of name plate Rs. 100/- per nameplate+GST.
19 Electronic Payment System NEFT/RTGS inward NIL
NEFT Outward Up to Rs.1 lakh- Rs.4/- per transaction+GST
Above Rs.1 lakh to Rs.2 lakh –Rs. 14/- per transaction+GST
RTGS Outward Above Rs.2 lakh- Rs 5 lakh Rs.25/- per transaction+GST
Above Rs.5.00 lakh- 55/- per transaction+GST
20 Exchange on pay order/banker's cheque Upto Rs. 5000/- Rs.30/-+GST
Above Rs.5000/- upto Rs. 10000/ Rs.50/-+GST
Above Rs.10000/- Rs.2 /- per Rs.1000/- or part thereof with a minimum of Rs.50/- & maximum of Rs.1500/-.+GST
21 Exchange on Remittance(Demand Drafts) For amount Upto Rs. 5000/- Rs.40+GST
Above Rs.5000/- upto Rs. 10000/- Rs.50+GST
Above Rs.10000/- up to Rs.1.00 lakh Rs.2.50 per '000 with a minimum of Rs.50/- +GST
Above Rs.1.00 lakh Rs 5/- per '000 with a minimum of Rs.500/ maximum of 20000/-+GST
Additional
For Local Bills and Outstation cheques/Bills returned unpaid: a) Outstation cheques: 50% of prescribed collection charge subject to minimum of Rs. 200/- & maximum 500/-
b) Local/outstation Bills: 50% of prescribed collection charges subject to minimum of Rs. 200/-.& maximum of Rs.500/-

Aforesaid guidelines Regarding returning charges laid down are also applicable to our Staff Cheques/Bills returned unpaid.
22 Fee structure for Credit Information Reports for Commercial report Rs2.00 lakhs & above Rs.4000/-+GST
23 Fee structure for Credit Information Reports for Consumer report Upto Rs.1.00 lakh Rs.200/- +GST
Rs.1.00 lakh to Rs.5.00 lakh Rs.200/- +GST
Above Rs.5.00 lakh to Rs.10.00 lakh Rs.250/-+GST
Above Rs.10.00 lakh to Rs.25.00 lakh Rs.300/-+GST
Above Rs.25.00 lakh Rs.350/-+GST
24 Handling charges for Bills/Cheques returned unpaid:(For local/CTS clearing) For Local Cheques:
i) Cheques issued by our Account holders but returned unpaid by us through clearing or across the counter for want of funds
a) For SB A/c Cheques returned: Rs. 100/-+ GST
b) For CA/OD/CC A/c cheque returned : Rs. 200/-+ GST
ii) Cheques deposited by our customers to the credit of their accounts with us but returned unpaid by other Bank: SB- Rs 100/-+GST,CA- Rs 200/-+GST
25 Inspection Charges For Advances upto ? 25000/- Priority Sector-NIL,
Non Priority Sector-?100/- p.a.+GST
For Advances Above ?25,000/- & upto and inclusive of ? 2 lakh Priority loans: ?750/-p.a+GST
Non priority sector: ? 1000/- p.a.+GST
For Advances Above ? 2 lakh to ?25 lakh Priority Loans: ? 250 per Inspection per a/c with max of ?1000/- p.a + GST.

Non Priority: Loans: ? 300/- per inspection per a/c with max ? 1500/- p.a + GST
For Advances Above ? 25 lakh Both Priority and Non priority loans: ? 600 per inspection per a/c with max of ? 3000/- p.a+ GST
Exemptions
1) All Priority Sector Advances upto Rs. 25000/- (Cumulative)
2) Jewel loans.
3) Loans on Deposit (LD) & ODD)
4) Staff loans.
5) Demand loans given to salaried class, if loan A/c is running regular.
6) Education loans
For Advances Above ?25,000/- & upto and inclusive of ? 2 lakh Priority loans: ?750/-p.a+GST
Non priority sector: ? 1000/- p.a.+GST
For Advances Above ? 2 lakh to ?25 lakh Priority Loans: ? 250 per Inspection per a/c with max of ?1000/- p.a + GST.

Non Priority: Loans: ? 300/- per inspection per a/c with max ? 1500/- p.a + GST
For Advances Above ? 25 lakh Both Priority and Non priority loans: ? 600 per inspection per a/c with max of ? 3000/- p.a+ GST
Exemptions
1) All Priority Sector Advances upto Rs. 25000/- (Cumulative)
2) Jewel loans.
3) Loans on Deposit (LD) & ODD)
4) Staff loans.
5) Demand loans given to salaried class, if loan A/c is running regular.
6) Education loans
26 Inter Change Charges: (ATM Transactions) Our customers can make any number of transactions through our ATM/Sponsor bank ATM at PAR.
27 Issue of Balance confirmation/Interest paid Certificate Rs.50/-+GST
28 Issuing Duplicate Term Deposit Certificate receipt: Rs.100/-+GST per receipt
29 Issuing of Duplicate DDs/ Banker’s cheque/Pay orders Rs. 100/- per instrument+GST
30 Issuing of duplicate Pass book/Statement/Loans pass book Rs.100/-+GST, per passbook with latest balance.For uptodate entry Rs.50/-+GST per folio / page.For statement of account Rs.50/- +GST/page relating to SB and Term loan a/cs.
31 Issuing of No due Certificate (NDC) Rs.50/- per certificate+GST.
Note: No NDC charges for applicants under Govt. Scheme.
32 Issuing of Notice: Ordinary Notice Rs.50/-+GST per party per notice
Registered Notice Rs.125/-+GST per party per notice
Vakil Notice charges Professional fees of Rs. 250/- + Typing and Miscellaneous charges Rs. 50/- + Actual Postage per party + Service charges for the bank Rs.50/- + GST per Account.
33 Jewel Appraiser Fees • Upto Rs.5000/- : Rs.25/
• Above Rs.5000/- to Rs.10000/-:Rs.50/-
• Above Rs.10000/- to Rs.100000/ : Rs.3 per '000 with min.Rs.75/- and max.Rs.200/-;
• Above Rs.100000/- :Rs.2 per '000,
• max.Rs.300 for Agri.JL & non Agri JL
34 Ledger Folio Charges applicable to OD, ODD, CA, KCC a/cs Rs.100/-+GST per folio (one side of ledger page) for both manual and computer page (30 entries or part thereof considered as one ledger page / folio) should be charged per annum. If statement of A/c is issued in addition to pass book applicable charges as above shall be collected.
35 Line of Credit Rs.150/- per lakh with a minimum of Rs.750/-+GST and maximum Rs.10000/- +GST. (The Chairman has power to relax the charges upto a maximum of 50% of normal charges)
36 Locker rent • Small - Rs.1000/- + GST
• Medium - Rs.2000/- + GST
• Large - Rs.3000/- + GST
• Very large- Rs.5000/- + GST
37 Locker Security deposit • Small - Rs.7000/-
• Medium - Rs.9000/-
• Large - Rs.10000/-
• Very large- Rs.12000/-
38 Loss of token Rs. 125/- per token+GST
39 Minimum Balance limits Current Account For all current A/cs , min. limit shall be Rs. 5000/-for Urban and Rs. 2000/-semi urban & Rural branches.
SB Accounts i. Rs.1000/- for SB A/cs with a chequebook facility, for all category of branches.
ii.Rs. 500/- for SB A/cs without cheque book facility in case of Urban Branches & semi-urban and Rs. 250/- for Rural branches.
JPSB Accounts Minimum of Rs. 1000/- shall be maintained for JPSB accounts.
VPSB & VSPSB Accounts Rs. 10000/- for VPSB accounts and Rs. 20000/- for VSPSB accounts.
40 Penalty for delay in payment of instalment of cumulative / Recurring deposit a/c -Not applicable for Sanchayani Plus Deposit • Rs.1.5 for every Rs.100 p.m. for the SD/RD A/cs of 5 years & less.
• A penalty of Rs.2/- for every Rs.100/- p.m. for SD / RDA/c of above 5 years.
41 Penalty for non maintaining minimum balance in SB/CA Rs.25/-+GST per month for SB A/c.(Auto debit in CBS)
Rs.100/-+GST per month for Current A/c.(Auto debit in CBS)
Rs.25/-+GST per month for JPSB A/c.(Auto debit in CBS)
Rs.100/- per month for VPSB &VSPSB if average monthly balance
below the stipulated limit.(Auto debit in CBS)

Not applicable to:
a) Staff & Govt. deposit A/c.
b) Pensioners
c) Ex-employees of our Bank.
d) PMJDY/ No Frill accounts
42 Processing Charges on Loans / Advances: For Advances upto ? 2 lakh 0.5% of sanction amount with a minimum of ? 250/-+GST
For Advances above ? 2 lakh ?1000/- + ?500 per lakh or part thereof exceeding ? 2 lakhs +GST
For renewals upto ? 2lakh (CC/OD/KCC accounts only) 0.5% of sanction amount with a minimum of ? 250/-+GST
For renewals above ?2 lakh upto ? 50 lakh (CC/OD/KCC accounts only) ?1000/- + ?500 per lakh or part thereof exceeding ? 2 lakhs +GST
For renewals above ?50 lakh (CC/OD/KCC accounts only) ?25000/-+250/- per lakh or part there of exceeding ?50 lakhs + GST
Loan under VISA(cir.136/18) ? 250/-+GST
Jewel loans of all kinds 0.25% of loan amount with a minimum of ? 25/- +GST
For extension of limit under CC/OD/SOD Pro rata basis for the period of limit extended with a minimum of one quarter
Exemptions
Processing Charges not to be levied for following loans:- 1) All Priority Sector loans upto ?25000/- (cumulative) 2) DRI loans. 3) SHG loans. 4) Staff loans. 5) Advances against term deposit of our Bank. 6) NPS loans upto ? 5000/- 7) All Education loans
For Advances upto ? 2 lakh 0.5% of sanction amount with a minimum of ? 250/-+GST
For Advances above ? 2 lakh ?1000/- + ?500 per lakh or part thereof exceeding ? 2 lakhs +GST
For renewals upto ? 2lakh (CC/OD/KCC accounts only) 0.5% of sanction amount with a minimum of ? 250/-+GST
For renewals above ?2 lakh upto ? 50 lakh (CC/OD/KCC accounts only) ?1000/- + ?500 per lakh or part thereof exceeding ? 2 lakhs +GST
For renewals above ?50 lakh (CC/OD/KCC accounts only) ?25000/-+250/- per lakh or part there of exceeding ?50 lakhs + GST
Loan under VISA(cir.136/18) ? 250/-+GST
Jewel loans of all kinds 0.25% of loan amount with a minimum of ? 25/- +GST
For extension of limit under CC/OD/SOD Pro rata basis for the period of limit extended with a minimum of one quarter
Exemptions
Processing Charges not to be levied for following loans:- 1) All Priority Sector loans upto ?25000/- (cumulative) 2) DRI loans. 3) SHG loans. 4) Staff loans. 5) Advances against term deposit of our Bank. 6) NPS loans upto ? 5000/- 7) All Education loans
43 Scrutiny of Title Deeds (Legal/Professional Fees) • Upto 5 lakh Rs.1000/ ,
• Above 5 lakh to 10 lakh Rs 2000/- ,
• Above Rs 10 lakh Rs.3000/-.
44 Seizure of Hypothecated Assets As per HO guidelines issued from time to time.
45 Service Charges for Inter Branch transactions under CBS ECS-Credit NIL
ECS Returns SB-75/- CA/OD-150/-+GST
ECS Mandate Verification Rs.200/- +GST per Mandate (Auto - Debit in CBS)
46 Service Charges for Online Fund Transfer(Excluding Cash transaction) AT PAR/NO CHARGES
47 Service charges on Dormant A/cs. No penal charges for non maintenance of minimum balance in respect of In-operative / Dormant accounts as per RBI guidelines w.e.f. 11.12.2014.
48 Service charges on non-availment of loan after sanction of proposal Only applicable processing charges to be collected
49 Service charges/ frequent withdrawals in SB A/c If withdrawals exceed 50 per half year in SB A/c, Rs.100/- +GST per half year.
50 SMS Charges Rs. 20 inclusive of GST per quarter.(Auto debit in CBS)
51 Standing instructions: Rs.50/-+GST ( Which involves remittances of funds to other Branches for credit to parties own A/c or in favour of 3rd parties.)
No charges (Which involves credit to other than customer’s own A/c at the Branch)
52 Stop payment charges: Rs. 100/-+GST per cheque.(Maximum Rs.300/- per occasion)
53 Transmission Charges (Postal Tariff) Ordinary Post Actual charges or minimum of Rs.20/-+GST
Registered Post Actual charges or minimum of Rs.50/-+GST
Courier Charges Actual charges or minimum of Rs.50/-+GST
Telephone Charges Rs. 10/- per local call,applicable to loan accounts also.
54 Upfront fee for premature closure of loan A/c by transfer/takeover of liability by other Banks For Advances outstanding above Rs.5 lakh, 0.5% of the loan amount outstanding. Exempted category:Housing loan irrespective of amount.