w.e.f. 8th Aug 2024
Cheque Book Issue Charges (Auto)
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Sr.No. |
Description |
Charges |
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Cheque Book Charges |
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1 |
Saving - |
2 per
cheque leaf |
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2 |
CA/CC – |
2 per
cheque leaf |
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3 |
PDC for Financial Institutions* |
15
per cheque leaf |
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Stop Payment Charges (All a/cs with cheque book facilities)
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Sr.No. |
Description |
Charges |
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1 |
Cheque |
150
per cheque leaf |
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2 |
Debit ECS |
250
per ECS |
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Cheque / ECS Return Charges (Auto)
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Sr.No. |
Description |
Charges |
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1 |
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For all Values |
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Details |
Inward |
Outward |
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Saving A/c and ECS |
200 |
100 |
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Current A/c and ECS |
500 |
300 |
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Cash Credit |
500 |
300 |
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Counter Cheque Return |
100 |
100 |
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Duplicate Pass Book / Statement/Certificate new
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Sr.No. |
Description |
Charges |
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1 |
Savings & Recurring (Current Financial Year) |
15 per computer page |
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2 |
Savings & Recurring (Previous Year/s) |
40 per computer page |
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3 |
Current / Cash Credit(Current Financial Year) |
40 per computer page |
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4 |
Current / Cash Credit (Previous Financial Years) |
40 per computer page |
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5 |
Share Certificate |
50 per share certificate of 100 and
for 100 above 2% of share certificate and maximum amount is not more than
1000 |
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6 |
Cheque transaction Image/information |
NIL |
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7 |
Deposit Receipt |
NIL |
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Charges for Closure of A/c before 12 Months (Auto)
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Sr.No. |
Description |
Charges |
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1 |
Savings |
Within 3 month |
₹ 200.00 |
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before 12 months |
₹ 150.00 |
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After 1 year No Charges |
NIL |
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2 |
Recurring |
Within 3 month |
NIL |
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before 12 months |
₹ 100.00 |
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After 1 year No Charges |
NIL |
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3 |
Current |
Within 3 month |
₹ 500.00 |
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before 12 months |
₹ 300.00 |
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After 1 year No Charges |
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3 |
FD ( Within 15 Days – From Date of Opening (except Auto Renewal) |
NIL |
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In Case of Token Lost
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Sr.No. |
Description |
Charges |
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1 |
Lost Token |
500 Per Token |
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Signature Verification
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Sr.No. |
Description |
Charges |
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1 |
Signature Verification |
150 Per Verification |
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Loan, Nominal Member, Share Application Form Fee
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Sr.No. |
Description |
Charges |
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1 |
Loan Application Form Fee |
Loan Application - 100/- |
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2 |
Nominal Member, Share Application Form Fee |
Regular Share Application - 100/- |
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Loan Processing Fee (To be collected at the time of
acceptance of form)
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Sr.No. |
Description |
Charges |
Min Rs. |
Max |
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1 |
New Term Loans |
0.40% |
500 |
No Limit |
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2 |
New Cash Credit |
0.40% |
500 |
No Limit |
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3 |
Cash Credit Renewal (as it is) |
0.35% |
500 |
20000 |
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4 |
Housing loan |
0.50% |
1500 |
15000 |
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5 |
Solvency certificate |
0.20% |
500 |
5000 |
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6 |
Sanctioned TOD/EOD |
0.35% |
500 |
1000 |
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7 |
Education Loan (Secured/Unsecured) |
0.35% |
500 |
5000 |
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8 |
Gold Loan |
0.25% |
100 |
250 |
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9 |
FDCC / FDTL / FDOD |
NIL |
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10 |
Restructurings of credit facility |
0.40% |
500 |
3000 |
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11 |
Retail loans |
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A |
Two Wheeler |
0.75% |
500 |
No Limit |
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B |
Three/Four Wheeler |
0.50% |
1000 |
15000 |
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C |
Consumer Durable |
1.00% |
500 |
No Limit |
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D |
Personal |
1.00% |
1000 |
No Limit |
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Penal Charges in Cash Credit / Term loan (Auto)
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Sr.No. |
Description |
Charges |
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1 |
Monthly non-submission
of stock/book debts statements till 10th of the following months |
2% per month on Outstanding Balance |
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2 |
Non-submission of
application for renewal and review of cash credit facility/documentation
non-completed before due date from the date of expiry of limit. |
2% of Outstanding Balance |
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3 |
Overdrawn amount in CC
accounts against clearing |
2% Outstanding Balance |
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4 |
Delay in Installments (
after due date) |
2% Outstanding Balance |
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5 |
Overdrawn amount in CC
accounts over sanction limit / DP whichever is less |
2% Outstanding Balance |
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Gold Appraisal Charges
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Sr.No. |
Description |
Charges |
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1 |
To be reimbursed to Gold Valuer |
As per contract agreement with Gold
Valuer |
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Bank Guarantee and Letter of Credit (Fresh & Renewals)
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Sr.No. |
Description |
Charges |
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1 |
Against 100% deposit |
1.25% Per Year + Other Banks
Commission |
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2 |
Partly secured by Term Deposit less than 100% & Remaining
Security by way of Property or Machinery |
2.5% Per Year + Other Banks
Commission |
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3 |
For BG/LC issue by us |
Same as above (excluding of other
bank commission) |
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Note:- In case of Bank Guarantees issued for a period less than
3 months, charges will be collected for a minimum period of one quarter and
its multiple for additional part period. |
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Credit Monitoring / Visit Charges for Total Limits of Rs.10
Lac & Above (Excluding Home loans)
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Sr.No. |
Description |
Charges ( except FD/Gold/Staff/Group
loan/Debit Mandate ) |
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1 |
Credit Monitoring Charges for Total Limits of Rs.10 Lac &
Above (Excluding Home loans) |
Upto 50 lac - Rs.300 Per Quarter
& Above 50 lac - Rs.500 Per Quarter |
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2 |
Below Rs.10 Lacs |
Charges Per Quarter through system |
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Rs. 1 lac to Rs. 2 lac |
Rs.75 |
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Above Rs.2 lac to Rs.5 lac |
Rs.125 |
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Above Rs.5 lac to Rs.10 lac |
Rs.187.5 |
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Foreclosure Closure of Loan A/c (Excluding Housing Loans)
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Sr.No. |
Description |
Charges |
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1 |
Foreclosure Closure of Loan A/c (Excluding Individual Loans) |
Upto 24 Month - 3% Above 60 Months - Nil |
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2 |
Foreclosure Closure of Loan A/c |
NIL |
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Loan Sanction Letter Revalidation Charges (3 Month) |
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Sr.No. |
Description |
Charges |
Minimum |
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1 |
Revalidation Charges |
0.05% Sanctioned Limit |
Rs.1,000/- |
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Remittances- Pay orders / DDs (Auto)
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Sr.No. |
Description |
Charges (Rs.) |
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1 |
Pune Peoples Co-op Bank (Pay-Orders) |
0.50 Per 1,000/- |
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2 |
HDFC/IDBI |
0.50 Per 1,000/- |
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3 |
State Bank of India |
As per different slabs |
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4 |
By Cash |
Rs. 2.00 Per 1,000/- |
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For SBI: - 0.05% of amount + Charges as per different slabs
charge by SBI |
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DD / PO/ Revalidation/ Duplicate & Cancellation Charges
(Auto)
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Sr.No. |
Description |
Charges (Rs.) |
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1 |
HDFC /SBI & other Banks |
Upto 1,500 – Charges 50 |
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2 |
Pay Order |
Upto 1,500 – Charges 25 |
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RTGS (Auto)
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Sr.No. |
Description |
Charges |
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1 |
Outward |
Rs.2 Lac to Rs.5 Lac - Rs.25/- |
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2 |
Inward |
NIL |
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NEFT (Auto)
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Sr.No. |
Description |
Charges |
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1 |
Upto Rs.10000 |
Rs.5/- |
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2 |
From Rs.10000 to Rs.1 lac |
Rs.10/- |
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3 |
Above Rs.1 lac upto Rs.2 lac |
Rs.15/- |
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4 |
Above Rs.2 lac |
Rs.25/- |
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Locker
Rent & Security Deposit
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Sr.No. |
Description |
Charges |
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1 |
Locker Rent & Security Deposit |
Depending upon locker size. Charges
schedule can be availed from any branch. – Schedule attached. |
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A |
Delay in payment of Rent after 30 April |
Rs.50/-
Per month |
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B |
Locker Operation charges |
50 visit in Yearly Free Above 50 visits per visit Rs.50/- |
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C |
Break Open of locker in case of loss of key |
Rs.500 + Actual charges |
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Cash counting Charges / Handling Charges (Excluding Saving Account)
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Sr.No. |
Description |
Charges |
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1 |
Cash deposit above 50000 ( for CA/CC) |
Rs.2.50/- per thousand |
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ATM Card Charges
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Sr.No. |
Description |
Charges(Rs.) |
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1 |
Duplicate ATM card issue Charges |
100 |
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2 |
Duplicate Pin mailer issue Charges |
Green PIN will be used |
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3 |
Yearly Operation Charges |
100 |
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4 |
Additional ATM card to joint A/c holder |
100 |
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ATM Transaction Fee (Auto)
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Sr.No. |
Description |
Charges |
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1 |
On Us |
05 free transactions (inclusive of financial and
non-financial transactions) After 5 transactions charges for – 1.
Financial Transactions - Rs. 25 per
transaction 2.
Non-Financial Transactions - Rs. 10
per transaction |
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2 |
Off-Us |
03 transactions in Metro Centres /
05 transactions in Non-Metro Centres (inclusive of financial and
non-financial transactions) After 5 transactions charges for – 3.
Financial Transactions - Rs. 25 per
transaction 4.
Non-Financial Transactions - Rs. 10
per transaction |
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Metro Centres:
Mumbai, New Delhi, Chennai, Kolkata,
Bengaluru and Hyderabad.
Recovery Charges (Charges debited to loan Account) |
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Sr.No. |
Description |
Charges (Rs.) |
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1 |
Up to 10 K.M. |
If recovery clerks go on two
wheeler – chargers will be debit to memorandum a/c as per 15 per K.M. |
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2 |
Above 10 K.M. |
If recovery team go in our banks
four wheeler - chargers will be debit to memorandum a/c as per 50 per K.M. |
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(After payment of recovery team
charges remaining amount to be credited to misc. income account.) |
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Vehicle Charges
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Sr.No. |
Description |
Charges (Rs.) |
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1 |
Issue of NOC to RTO |
150 |
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Seizing Charges |
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a. |
Light motor vehicle/two wheeler/three wheeler/four wheeler |
For two wheeler - 500 & For
Four wheeler - 1000 |
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b. |
Heavy vehicle |
3000 |
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c. |
Excavators & Cranes |
5000 or actual outsourcing charges
as approved |
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Inter branch Transaction Charges (Excluding Saving)
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Sr.No. |
Description |
Charges (Rs.) |
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1 |
Cash /clearing |
Free |
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Assignment / Reassignment Charges
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Sr.No. |
Description |
Charges (Rs.) |
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1 |
Assignment of NSC |
150 + actual Post office charges |
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1 |
Encashment of NSC |
150 + actual Post office charges |
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3 |
Reassignment of NSC |
NIL |
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4 |
Assignment / Encashment of LIC Policy |
150/- per LIC branch + actual
charges |
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Safe Custody Charges
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Sr.No. |
Description |
Charges (Rs.) |
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a. |
Gold loan closed but pledged ornaments are not claimed within 10
working days (Earlier its 1 month) from date of closure ( after sending the
notice to the loanee regarding the charges ) |
Rs. 500/- per month |
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b. |
Sale of pledged Gold ornaments by auction |
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Loans upto Rs.10,000/- |
100 |
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Above Rs.10,001/- upto Rs.1,00,000/- |
500 + proportionate advertisement
charges |
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Above Rs.1,00,001/- |
1000 + proportionate advertisement
charges |
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Others
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Sr.No. |
Description |
Charges |
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1 |
Transfer Share Certificate |
5 Per Share Certificate ( Refer Bye
Law) |
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2 |
Issue of any other certificate by Bank for the purpose other
than for our Banks purpose ( Including verification of Signature ) |
100 Per Certificate |
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3 |
Income Tax Certificate for interest on term deposit/savings
account or Balance certificate |
NIL |
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4 |
Change in Nomination for Share Certificate |
5 Per Change ( Refer Bye Law) |
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5 |
Where balance is insufficient to carry out Standing Instruction |
50 Per transaction, if the
instruction is towards the loan EMI |
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6 |
Attestation of Photograph |
50 for photograph |
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7 |
Charges for giving copies of documents |
10 Per page Minimum 50 |
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8 |
Enquiry relating to Old records |
150 per item for records more than
12 months old (As per Law) 100 per item for records less than
12 months old |
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Immediate
Credit of local / outstation cheques/instruments
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Sr.No. |
Description |
Charges |
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1 |
Immediate Credit of local / outstation cheques/ instruments |
Rs. 250/- will be charged on each
such case as a flat fee over and above the normal collection charges. |
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Note :- |
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1 |
As far as possible charges to be collected by debiting to
party’s / customer’s account. |
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2 |
No Charges to be collected from our staff, Ex Staff and Director
except for the following services. |
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a. |
Supply of loan application forms |
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b. |
Locker rent / delay charges |
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c. |
Actual postage & travelling cost wherever applicable |
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3 |
While debit charges, account should not reflect debit balance
(SB/CA). Charges to be recovered when account came in credit. |
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4 |
All the Services mentioned above should be charge with GST
Extra. (Wherever it is applicable) |
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5 |
Powers for Waiver of Charges – 1.
Upto 25% charges waiver – CEO 2.
Above 25% charges waiver – Hon. BOD |