Complaints | Service Charges and Fees | Citizen Charter                                                                   हिन्दी


    Services Charges

SERVICE CHARGES EFFECTIVE FROM  26.11.2008
* Special category of individual includes senior citizens, pensioners 
   & individuals in rural areas
Sr  Nature of Service Particulars Revised Charges w.e.from 26.11.2008
A SERVICE CHARGES APPLICABLE TO BASIC BANKING SERVICES
Other than Individuals
 Individuals Special Category of Individuals*
I Service Charges Relating to Deposit Accounts    
1 Issue of cheque books a) MICR Cheques Rs. 2/- per cheque leaff Rs. 2/- per cheque leaff Rs. 2/- per cheque leaff
  SB /CA /OD /CC A/cs.s.   at the time of issue at the time of issue at the time of issue
    b) Non-MICR cheques Rs. 1/- per cheque leaff Rs. 1/- per cheque leaff Rs. 1/- per cheque leaff
      at the time of issue at the time of issue at the time of issue
    Free Cheque leaves in a calender year for S.B.A/cs.Only   50 leaves free 60 leaves free
2 Issue of Pass Book / Statement First Pass Book / Statement Free Free Free
    Additional Set / copy Rs. 25/-per ledger page -  Rs. 20/-per ledger page -  Rs. 15/-per ledger page
      For a/cs maintained on computers 40 entries or part thereof treated as one ledger page.
3 Duplicate Pass Book / Statement a) With Latest Balance Rs. 25/- per pass book / statement Rs. 20/- per pass book / statement Rs. 15/- per pass book / statement
    b) For previous entries Rs. 25/-per ledger page -  Rs. 20/-per ledger page -  Rs. 15/-per ledger page
      For a/cs maintained on computers 40 entries or part thereof treated as one ledger page.
     
4 Issue of Balance Certificate Including Interest paid / Collected Rs. 25/- per certificate Rs. 20/- per certificate Rs. 15/- per certificate
5 Stop Payment Instructions Instructions / revocation of instrcts. Rs. 50/- Per Cheque  Rs. 40/- Per Cheque  Rs. 30/- Per Cheque 
  Rs. 250/- Per Series Rs. 200/- Per Series Rs. 150/- Per Series
6 Balance Enquiry (including enquiry relating to old records) Upto 2 years old  Free   Free   Free 
   2 to 3 years old    Rs. 50/-   Rs. 40/-   Rs. 30/- 
   3 to 5 years old   Rs. 60/-   Rs. 50/-   Rs. 40/- 
   More than 5 years old - Rs.100/-   Rs. 100/-   Rs. 80/-   Rs. 60/- 
7 closure of Accounts within 12 months. a) Current A/c Rs. 150/- plus folio charges as applicable. Rs. 125/- plus folio charges as applicable. Rs. 100/- plus folio charges as applicable.
   
     b) Savings A/c        
     without cheque book   Rs.50/-   Rs.40/-   Rs.30/- 
     with cheque book   Rs.100/-   Rs.80/-   Rs.60/- 
8 Handling charges for cheques / bills returned unpaid (For inward cheques received for payment)  A) Local Cheques       
   a) For S/B A/cs   Rs.50/- per cheque   Rs.40/- per cheque   Rs.30/- per cheque 
   b) For others    Rs.100/- per cheque   Rs.80/- per cheque   Rs.60/- per cheque 
   B) Outstation cheques and Local / Outstation bills:-   50% of collection charges minimum Rs. 25/-   45% of collection charges minimum Rs. 20/-   40% of collection charges minimum Rs. 15/- 
 
 
9 Attestation of        
  Customers Signature / Per Attestation / case Rs. 25/- Rs. 20/- Rs. 15/-
  Photo        
II Service Charges Relating to Loan Accounts    
10 Issuance of No dues Certificate  a) For Agriculture purpose and Govt Sponsured Schemes    Free of cost as per RBI guidelines   Free of cost as per RBI guidelines   Free of cost as per RBI guidelines 
 
   
     b) For others  Rs. 25/- Rs. 20/- Rs. 15/-
III Service Charges Relating to Remittance Facilitieslating to Remittance Facilities    
11 Remittances 1) Upto Rs. 1.00 Lac  Rs. 2.00 Per Thousand   Rs. 1.75 Per Thousand   Rs. 1.50 Per Thousand 
  (DD/TT/MT)  
      (Min. Rs. 30)  (Min. Rs. 25)  (Min. Rs. 20) 
    2) Above Rs. 1.00 Lac Rs. 1.50 Per Thousand Rs. 1.25 Per Thousand Rs. 1.00 Per Thousand
      (Min. Rs. 150 & Max. Rs. 15000/-)  (Min. Rs. 125 & Max. Rs. 12500/-)  (Min. Rs. 100 & Max. Rs. 10000/-) 
     
    Note:- 1) For TT, Telephone Charges be recovered seperately
2) For Miraj / Nipani / Islampur / Tasgaon /Jaysingpur branches - charges will be Rs.3.00 
3) In case of DD issued against cash up to Rs. 50,000/- additional 25% of        normal charges be levied.Per Thousand 
12 Bankers cheque /  1) Upto Rs. 1,00,000/- Rs. 1 Per Thousand Rs. 0.90 Per Thousand Rs. 0.80 Per Thousand
  Pay Order   (Min Rs. 30) (Min Rs. 25) (Min Rs. 20)
    2) Above Rs.1,00,000/- Rs. 0.75 Per Thousand  Rs. 0.60 Per Thousand  Rs. 0.50 Per Thousand 
      (Min. Rs. 75 &  (Min. Rs. 60 &  (Min. Rs. 50 & 
       Max. Rs. 2500)  Max. Rs. 2250)  Max. Rs. 2000)
    against tender of cash -  Normal charges + 25% of normal Note:- 1) Pay order against tender of cash -  Normal charges + 25% of normal  charges be levied.
13 Cancellation of DD /  Per instrument Rs. 50/- Rs. 40/- Rs. 30/-
  Pay Order
14 Revalidation of DD / Per instrument Rs. 50/- Rs. 40/-  
  Pay Order
15 Issue of Duplicate Per instrument Rs. 50/- Rs. 40/- Rs. 30/-
  Demand Draft
16 Issue of Duplicate  Per instrument Rs. 50/- Rs. 40/- Rs. 30/-
  Bankers cheque / PO
17 c)Electronic Clearing (As applicable for cheque return charges Sr. no 21)
  Service (ECS)
       
18 ii)National Electronic Fund Transfer(NEFT) Up to Rs.1 lakhs  
-  Rs. 5 per transaction (Service charges Rs. 4.45 + Service Tax Rs. 0.55)
 
Rs.1 lakhs and above  
 -  Rs. 25 per transaction (Service charges   Rs. 22.25 + Service Tax Rs. 2.75)
 
19 Collection of Local  For all type of  Free Free Free
  Cheques Accounts
    Cheques on Our Bank      
   1) Upto Rs. 1 Lakh   Rs.3.00 per thousand   Rs. 2.75 per thousand   Rs. 2.50 per thousand 
   (Min. Rs. 30)   (Min. Rs. 25)   (Min. Rs. 20) 
     2) Above Rs. 1 Lakh   Rs. 2.50 per thousand    Rs. 2.25 per thousand    Rs. 2.00 per thousand  
    Note :- 1) Out of pocket exps. LikePostage etc. will be recovered fully.
      2) In case of our Branch to Branch collection, only presenting branch will charge the commission.
     3) In case of other Banks - Commission charged / deducted by collecting Bank will be revocered fully & separetaly. 
20
Collection of Outstation Cheques (OBC)*
 Up to Rs. 10,000
Rs. 50 per instrument (Service charges Rs. 44.50 + Service Tax Rs. 5.50)
    Rs. 10,000 to Rs. 1,00,000  Rs.100 per instrument (Service charges Rs. 89.00 + Service Tax Rs. 11.00) 
   
     Rs. 10,000 to Rs. 1,00,000    Rs. 150 per instrument (Service charges Rs. 133.50 + Service Tax Rs. 16.50) 
    * The above charges will be all inclusive. No. additional charges such as courier charges, out of pocket expences, etc should be leived from the customers                                         
21 Cheque Return - Outward (Cheque deposited for collection )  A) Local Cheques       
   a) For S/B A/cs   Rs.25/- per cheque   Rs.20/- per cheque   Rs.15/- per cheque 
   b) For others    Rs.50/- per cheque   Rs.40/- per cheque   Rs.30/- per cheque 
   B) Outstation cheques    50% of collection charges minimum Rs. 25/-   45% of collection charges minimum Rs. 20/-   40% of collection charges minimum Rs. 15/- 
B SERVICE CHARGES APPLICABLE TO SERVICES (OTHER THAN BASIC BANKING SERVICES Revised Charges w.e.from 10.01.2008
1 Collection of Billls  a) Demand Bills-  Rs. 3.00 Per Thousand (Min. Rs. 30/-)
  (I. B. C.) (Clean/Secured)
    b) Usance Bills Rs. 4.50 Per Thousand (Min. Rs. 50/-)
    c) Cheques/Demand  Upto Rs. 1 Lac -  Rs. 2.50 Per Thousand (Min. Rs. 25/-)
    Drafts Above Rs. 1 Lac - Rs. 2.00 Per Thousand
    (For All above maximum Rs. 15,000/-)
  Note: 1) Out of pocket exp. like Postage etc.will be recovered fully.  
    2) In case of Usance Bills, these charges are to be collected up front. Additionaly
         holding charges @ 25% of the normal charges after due date are to be levied.
    3) In case of Demand Bills, if bills are not cleared within 15 days from the date of 
       receipt additionaly holding charges '@ 25% of the normal charges are to be levied
     4) In case of our Branch to Branch collection, only presenting branch will charge  
         the commission.       
2 Standing  Rs. 25/- per transaction - involving credit to another account other than those of customer 
  instruction within the same branch.   
      Exemption allowed for -  
      i) Crediting / Remitting interest on Term Deposits 
      ii) Crediting / remitting Recurring Deposit instalment.
      iii) Crediting / Remitting instalment of Term Loan A/c.
3 Ledger Folio charges   Rs. 40/- per ledger page. 
  for CA/OD/CC a/cs No. of free pages allowed per year on the basis of average credit balance maintained
    i) Up to Rs. 25000/- - NIL  
    ii) Above Rs. 25000/- to Rs. 50000/- - 3  
    iii) Above Rs.50000/- to Rs. 1. Lac - 5  
    iv) Above Rs. 1 Lac to Rs. 2 Lacs - 10  
    v) Above Rs. 2.00 Lacs - ALL  
       
    (For accounts maintained on Computer 40 entries or part thereof to be treated as 
    one ledger page.)  
    Note :- No folio charges for Saving Bank A/cs.  
4 Duplicate Term Rs. 50/- Per receipt
  Deposit Receipt
5 Charges for not  a) Metro / Urban Branches     
  maintaning   C/A - Rs. 100/- Per Month   
  (Monthly Average   S/B -  Rs. 25/- Per Month   
  Balance)  b) Semi Uraban / Rural Branches   
     C/A - Rs. 50/- Per Month   
     S/B -  Rs.10/- Per Month   
     (To be levied per month till minimum balance isrestored)   
       
     (In case of dormant accounts,  If full balance is not available in the A/c, to debit the above 
     charges Branch can appropriate entire balance & closeA/c.)   
     (In other cases, these charges to be shown as to be recovered and should be recovered  
     when customer operates his account)     
6 Cash Deposits  FD and SB account  Nil
    For Other Accounts:- Upto Rs. 5 Lacs P.M.   - Nil  
      1) Denomination Rs. 50/- & below: Rs. 5/- per packet Br Manager 
          can reduce up to Rs. 3/- per packet depending on the benefits
          derived from customers account.  
      2) Denomination Rs. 100/- & above: Rs. 2/- per packet Br Manager 
          can reduce / waive the charges depending on the benefts derived 
          from customers account.  
7 Collection of Deposit   a) For collection of Deposit receipts, for retention in term deposit with our Bank, no  
  Receipt of other      charges to be levied.   
  banks  b) For collection of Deposit receipts, for payment / credit to customers a/c  chages be  
          levied as per OBC.   
8 Remittances of banks  For remittance of banks own deposits to other banks, charges to be levied as per charges  
   own deposits to other   prescribed for DD/TT/MT (remittances) plus postage.   
  banks        
9 Handling cash  Any such tender of cash up to Rs. 50,000/- 
  from Non-Customers  Normal charges + 50% of Normal Charges to be levied. 
10 Presentation of Usance bills for acceptance  a) Less than Rs. 50000 - Rs. 50 Per bill 
   b) Above Rs. 50000 - Rs. 100 per bill 
         
11 Loss of Token  Rs. 100/- Per Token 
   
12 Locker Rent Depending on the size of locker at each branch communicated to branches vide circular no. 
    HO/ACCTTS&OP/2219/2005 dated 10/2/2005  
13 Bills Purchase 1) Outstation :- a) DD / Cheques / Bills / Hundies :-  
  And Discount   Rs. 4.50/- per Rs. 1000/- or part thereof   
      (additional postage expenses and collecting bank's charges. If the 
      bill is honoured after 7 days interest will be charges @ 18.00% p.a.,
      Subject to change as applicable from time to time.)
       
      Instruction for collection charges  
      If the discounted cheque / DD / Hundies /  
      Bills returned unpaid. After 7 days on discount
      amount interest will be charged @ 18% till the
      discounted amount recovered from the party.
       
     2) Local :-  b) Cheques/ DD's purchase  
       Rs. 1.00/- Per Thousand  
           
14 RTGS/NEFT/ECS transactions
  a) Inward Transaction  
Inward RTGS/NEFT/EGS transactions
Free, no charge to be levied
b) Outward transactions:-  
i) RTGS -
Rs. 1 to 5 Lakhs

-  Rs. 25 per transaction (Service charges
Rs. 22.25 + Service Tax Rs. 2.75)
 
Rs. 5 Lakhs & above
 -  Rs. 50 per transaction (Service charges Rs. 44.50 + Service Tax Rs. 5.50)
15 Record Copy of paid cheque                             Rs. 50/-
 
16 Postage / Courier Discretion to Branch Manager but not less than actual cost.
   
17 Use of Fax/ Telephone/ Discretion to Branch Manager but not less than actual cost.
  Modem  
18 Speed Clearing System ( Clearing high value instruments) Rs. 10,000 to Rs. 1,00,000 Free, no charge to be levied
  Rs. 10,000 to Rs. 1,00,000 Rs. 150 per instrument (Service charges Rs. 133.50 + Service Tax Rs. 16.50)

   
  
 

NOTES :-

1 The above charges are Normal standard charges applicable to all accounts. 
2 Charges for RTGS / NEFT / ECS transactions and outstanding cheques collection will be all inclusive, no additional charges such as courier charges, out of pocket expenses; service tax, etc. should be levied from the customers.
3 Branch can charge higher charges than the normal standard charges considering cost of transaction and cost of account to the Branch, status of account, nature of transaction and Banking relation of customer etc.
4 Branches have obtained concession for account holders from Head Office. Branch may continue the existing concession or charge additional amount by assessment of account and present status of account, balances, transactions, low cost deposit, term deposit and advances etc.  
5 Branch Manager should take into account cost of transaction while continuing existing concessions and recommended for new concessions. Branch should not suffer loss on account of any of the concessions granted to customers from services offered to such customers.
6 The above charges are normal standard charges and excluding service tax element therein. Branch should additionally collect service tax @ 12.36% on the above charges from customers. Kindly follow the method of calculation of service tax as per circular on service tax.