(Multistate bank)
With effect from
1st April 2018
Charges Effective from 01.04.2018
1. Minimum Amount Balance for A/C Opening
Sr. No | Description | Minimum Balance (Rates) |
Minimum Balance to be maintained in account |
1 |
Current A/c ( Individual ) |
Rs. 2500 |
Rs. 2500 |
2 |
Current A/c (Partnership Firm) |
Rs. 5500 |
Rs. 5000 |
3 |
Current A/c (Companies ) |
Rs.10500 |
Rs. 10000 |
4 |
Saving A/c (Without Cheque book) |
Rs. 500 |
Rs. 500 |
4 |
Saving A/c (With Cheque Book / ECS instructions and Debit Card) |
Rs. 1000 |
Rs. 1000 |
5 |
Saving A/c (Demat Linked) |
discontinue |
discontinue |
6 |
Recurring |
Rs. 100 |
NA |
7 |
Ashirwad Saving A/c |
Rs. 100 |
NA |
8 |
Salary Account |
Rs. 0 |
NA |
2. Minimum Balance Charges (If minimum balance is not maintained)
Sr.No. | Description | Charges |
1 | Current A/c | Rs. 50 per transaction |
2 | Saving | Rs. 10 per transaction |
3. Inoperative /Dormant A/c (Incidental Charges)
Sr.No. | Description | Charges |
1 | Current A/c | Rs. 100 (Quarterly) |
2 | Saving A/c | Rs. 50 (Quarterly) |
4. Cheque Book Issue Charges
Sr.No. |
Description |
Charges |
Cheque Book Charges |
||
1 |
Saving - |
Rs. 2 per cheque leaf |
2 |
CA/CC – |
Rs. 2 per cheque leaf |
3 |
PDC for Financial Institutions* |
Rs. 15 per cheque leaf |
5. Stop Payment Charges (All a/cs with
Sr.No. |
Description |
Charges |
1 |
Cheque |
Rs. 100 per cheque leaf |
2 |
Debit ECS |
Rs. 150 per ECS |
6. Ledger Folio Charges (Quarterly)
Sr.No. |
Description |
Charges |
1 |
Saving |
NIL |
2 |
CA |
Rs. 50 per page (Page=60 Entries) |
3 |
Free Pages if Balance in account –(Quarterly Average) |
> Rs. 50000 NIL |
|
|
above Rs. 50000 All free |
7. Cheque/ECS Return Charges
Sr.No. |
Description |
Charges |
|
Details |
Inward |
Outward |
|
Saving A/c and ECS |
Rs. 50 |
Rs. 50 |
|
Current A/c and ECS |
Rs. 300 |
Rs. 100 |
|
Cash Credit |
Rs. 300 |
Rs. 100 |
No any charges
8. Duplicate Pass Book / Statement/Certificate
Sr.No. | Description | Charges |
1 | Savings & Recurring (Current Financial Year) | Rs. 10 per computer page |
2 | Savings & Recurring (Previous Year/s) | Rs. 25 per computer page |
3 | Current / Cash Credit(Current Financial Year) | Rs. 25 per computer page |
4 | Current / Cash Credit (Previous Financial Years) | Rs. 25 per computer page |
5 | Share Certificate | Rs. 50 per share certificate of Rs.100 and for Rs. 100 above 2% of share certificate and |
6 | Cheque transaction Image/information | Rs.100 BELOW Rs. 50,000 |
Rs. 200 ABOVE Rs. 50,000 | ||
7 | Deposit Receipt | NIL |
9. Charges for Closure of A/c before 12 Months
Sr.No. |
Description |
Charges |
1 |
Savings & Recurring ( No charges for closure of RD account after 1 year) |
Within 3 month Rs.200 before 12 months Rs.150 After 1 year No Charges |
2 |
Current |
Within 3 month Rs.500 before 12 months Rs.300 After 1 year No Charges |
3 |
FD ( Within 15 Days – From Date of Opening (except Auto Renewal) |
NIL |
10. In Case of Token Lost
Sr.No. |
Description |
Charges |
1 |
Lost Token |
Rs. 300 Per Token |
11. Signature Verification
Sr.No. |
Description |
Charges |
1 |
Signature Verification |
Rs. 150 Per Verification |
12. Loan, Nominal Member, Share Application Form Fee
Sr.No. |
Description |
Charges |
1 |
Loan Application Form Fee |
Loan Application - Rs. 100/- |
2 |
Nominal Member, Share Application Form Fee |
Regular Share Application - Rs. 100/- Nominal member App. - Rs. 50/- |
13. Charges for amendment/modification of Sanction Terms
Sr.No. |
Description |
Charges |
1 |
Loan up to Rs. 10 |
NIL |
|
Loan above Rs.10 lacs |
Rs. 5000 (GM) |
14. No Dues Certificate, Balance Certificate, Interest Certificate (Excluding Pune Peoples Co-op Banks Customer)
Sr.No. |
Description |
Charges |
1 |
No Dues Certificate (Excluding Pune Peoples Co-op. Banks Customer) |
Rs. 100 |
2 |
Balance Certificate/List Of Document |
Rs. 25 |
3 |
Interest Certificate LOAN |
Rs. 25 |
16. Penal Charges in Cash Credit / Term loan
Sr.No. |
Description |
Charges |
1 |
Monthly non-submission of stock/book debts statements till 10th of the following months |
Rs. 100 per month |
2 |
Non-submission of application for renewal and review of cash credit facility/documentation |
3% of O/s Bal over ROI |
3 |
Overdrawn amount in CC accounts against clearing |
3% over applied ROI |
4 |
Delay in Installments ( after due date) |
3% over applied ROI |
5 |
Overdrawn amount in CC accounts over sanction limit |
3% over applied ROI |
17. Gold Appraisal Charges
Sr.No. | Description | Charges |
1 | To be reimbursed to Gold Valuer | As per contract with Gold Valuer |
18. Bank Guarantee and Letter of Credit (Fresh & Renewals)
Sr.No. |
Description |
Charges |
1 |
Against 100% deposit |
1.25% Per Year + Other Banks Commission |
2 |
Partly secured by Term Deposit less than 100% & Remaining Security by way of Property or Machinery |
2.5% Per Year + Other Banks Commission |
3 |
For BG/LC issue by us |
Same as above (excluding of other bank commission) |
Note:- In
a minimum period of one quarter and
19. Credit Monitoring / Visit Charges for Total Limits of Rs.10 Lac & Above (Excluding Home loans)
Sr.No. |
Description |
Charges |
1 |
Credit Monitoring Charges for Total Limits of |
|
2 |
Below Rs. 10 Lacs |
Charges per anum through |
|
Rs. 1 lac, Rs. 2 lac |
Rs. 300 |
|
Rs. 2 lac, Rs. 5 lac |
Rs. 500 |
|
Rs. 5 lac, Rs. 10 lac |
Rs. 750 |
20. Premature Closure of Loan A/c (Excluding Housing Loans)
Sr.No. |
Description |
Charges |
1 |
Premature Closure of Loan A/c ( Excluding Individual Loans) |
If 25 Month to 48 2% 48 Months to 60 1% Above 60 Months Nil |
2 |
Premature Closure of Loan A/c (Individual Loans) |
NIL |
21. Loan Sanction Letter Revalidation Charges (6 Month)
Sr.No. |
Description |
Charges |
Minimum |
1 |
Revalidation Charges |
0.05% Sanctioned Limit |
Rs. 1000 |
22. Account Maintenance charges for the accounts having no transaction for
Sr.No. |
Description |
Charges |
1 |
Saving A/c |
Rs. 500 |
2 |
Current A/c |
Rs.750 |
Balance above ` 500/- should be transfer to RBI DEAF account as per RBI guidelines
23. Remittances- Pay orders / DDs
Sr.No. |
Description |
Charges |
1 |
Pune Peoples Co-op Bank (Pay-Orders) |
Rs. 0.50 Per Rs. 1000 |
2 |
HDFC/IDBI |
Rs. 0.50 Per Rs. 1000 |
3 |
State Bank of India |
As per different slabs |
4 |
By Cash |
Rs. 2.00 Per Rs. 1000 Minimum Rs. 40 |
24. DD/PO/Revalidation/Duplicate & Cancellation Charges
Sr.No. |
Description |
Charges |
1 |
HDFC /SBI & other Banks |
|
2 |
Pay Order |
|
25. RTGS
Sr.No. |
Description |
Charges |
1 |
Outward |
Rs. 2 Lac to Rs. 5 Lac Rs. 25/- |
2 |
InWard |
NIL |
26. NEFT
Sr.No. |
Description |
Charges |
1 |
|
Rs. 5/- |
2 |
From 10000 to 1 lac |
Rs. 10/- |
3 |
Above 1 lac |
Rs. 15/- |
4 |
Above 2 lac |
Rs. 25/- |
27. OBC Collection Charges for Saving Account holders (If Cheque is realized)
Sr.No. |
Description |
Charges |
1 |
|
Rs. 25 +Actual charges |
2 |
From 10001 to 100000 |
Rs. 50 +Actual charges |
3 |
Above 100000 |
Rs. 75 +Actual charges |
28. OBC Collection Charges for Other than Saving A/c (If Cheque is Realised)
Sr.No. |
Description |
Charges |
1 |
Upto Rs. 10000 |
Rs. 50 Per Cheque +Actual charges |
2 |
From Rs. 10001 to Rs. 1 Lac |
Rs. 100 Per Cheque +Actual charges |
3 |
Above Rs. 1 Lac |
Rs. 150 Per Cheque +Actual charges |
29. OBC Collection Charges (If Cheque is returned)
Sr.No. |
Description |
Charges |
1 |
Upto Rs. 1000 |
Rs. 25 Per Cheque + Postage Rs. 25 + Paying Bank Commission. |
2 |
From Rs. 1001 to Rs. 10000 |
Rs. 50 Per Cheque + Paying Bank's Commission + Rs. 25 (Postage Charges Per Cheque ) |
3 |
Above Rs. 10001 |
Rs. 100 Per Cheque + Paying Bank’s Commission + Rs. 50 (Postage Charges Per Cheque) |
30. Locker Rent & Security Deposit
Sr.No. |
Description |
Charges |
1 |
Locker Rent & Security Deposit |
Depending upon locker size. Charges schedule can be availed from any branch. –Schedule attached. |
A |
Delay in payment of Rent after 30 April |
Rs. 50 Per month |
B |
Locker Operation charges |
Rs. 50 Above 50 per visit Rs. 50 |
C |
Break Open of |
Rs. 500 + Actual charges |
31.Cash counting Charges/Handling Charges (Excluding saving)
Sr.No. | Description | Charges |
1 | Cash deposit above 50000 ( for CA/CC) | Rs. 2.50/- per thousand Max Rs.200/- |
32. ATM Card Charges
Sr.No. | Description | Charges |
1 | Duplicate ATM card issue Charges | Rs. 100 |
2 | Duplicate Pin mailer issue Charges | Rs. 50 |
3 | Yearly Operation Charges | Rs. 100 |
4 | Additional ATM card to joint A/c holder | Rs. 100 |
33. ATM Transaction Fee
Sr.No. | Description | Charges |
1 | On Us | Free |
2 | Issuer | First 5 transactions in Month – Free After 5 transactions Financial -Rs.25 |
34. IMPS Outward Transaction Fee
Sr.No. |
Description |
Charges |
1 |
Up to Rs.10000 |
Rs. 5/- |
2 |
Above Rs. 10000 |
Rs. 10/- |
35. Recovery Charges (Charges debited to loan Account)
Sr.No. |
Description |
Charges |
1 |
Up to 10 k.m. |
If recovery clerks go on memorandum a/c as per Rs. 15 per K.m. |
1 |
Above 10 k.m. |
If debit to memorandum a/c as per Rs. 50 per K.m. |
Charges will be paid at actual @ 3 per K.m. - Charges will be paid to recovery section clerks
(After payment of recovery team charges remaining amount to be credited to
36. Vehicle Charges
Sr.No. |
Description |
Charges |
1 |
Issue of NOC to RTO |
Rs. 150 |
Seizing Charges |
||
a. |
Light motor vehicle/two wheeler/ three wheeler/four wheeler |
For |
b. |
Heavy vehicle |
Rs. 3000 |
c. |
Excavators & Cranes |
Rs. 5000 or actual outsourcing charges as |
37.
Sr.No. |
Description |
Charges |
1 |
Cash /clearing |
Free |
38. Assignment / Reassignment Charges
Sr.No. |
Description |
Charges |
1 |
Assignment of NSC |
Rs. 150+ actual Post office charges |
1 |
Encashment of NSC |
Rs. 150+ actual Post office charges |
3 |
Reassignment of NSC |
NIL |
4 |
Assignment / Encashment of LIC Policy |
Rs. 150/-perLIC branch+actual charges |
39. Safe Custody Charges
Sr.No. |
Description |
Charges |
a. |
|
Loan sanction amt below Rs. 50,000- Rs. 50 per month Loan sanction amt above Rs. 50,000- Rs. 100 per month |
b. |
Sale of pledged Gold ornaments by auction |
|
|
Loans upto Rs. 10000/- |
Rs. 100 |
|
Above Rs. 10001/- upto Rs. Rs.100000 |
Rs. 500 + proportionate advertisement charges |
|
Above Rs.100001 |
Rs. 1000 + proportionate advertisement charges |
40.Others
Sr.No. |
Description |
Charges |
1 |
Transfer Share Certificate |
Rs. 5 Per Share Certificate ( Refer Bye Law) |
2 |
Issue of any other certificate by Bank for the purpose other than for our Banks purpose ( Including verification of Signature ) |
Rs. 100 Per Certificate |
3 |
Income Tax Certificate for interest on term deposit/savings account or Balance certificate |
NIL |
4 |
Change in Nomination for Share Certificate |
Rs. 5 Per Change ( Refer Bye Law) |
5 |
Where balance is insufficient to carry out Standing Instruction |
Rs. 50 Per transaction, if the instruction is towards the loan EMI |
6 |
Attestation of Photograph |
Rs. 50 for |
7 |
Charges for giving copies of documents |
Rs. 10 Per page Minimum 50 |
8 |
|
Rs.150 per item for records more than 12 months old ( As per Law) |
|
|
Rs. 100 per item for records less than 12 months old |