Cheque Book Issue Charges (Auto)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| Cheque Book Charges | ||
| 1 | Saving - | 2 per cheque leaf |
| 2 | CA/CC - | 2 per cheque leaf |
| 3 | PDC for Financial Institutions* | 15 per cheque leaf |
Stop Payment Charges (All a/cs with cheque book facilities)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Cheque | 150 per cheque leaf |
| 2 | Debit ECS | 250 per ECS |
Cheque / ECS Return Charges (Auto)
| Sr.No. | Description | Charges (Rs.) | |
|---|---|---|---|
| Inward | Outward | ||
| 1 | Saving A/c and ECS | 200 | 100 |
| 2 | Current A/c and ECS | 500 | 300 |
| 3 | Cash Credit | 500 | 300 |
| 4 | Counter Cheque Return | 100 | 100 |
No any charges taken from customer for return of cheque due to
technical reason.
Duplicate Pass Book / Statement/Certificate new
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Savings & Recurring (Current Financial Year) | 15 per computer page |
| 2 | Savings & Recurring (Previous Year/s) | 40 per computer page |
| 3 | Current / Cash Credit(Current Financial Year) | 40 per computer page |
| 4 | Current / Cash Credit (Previous Financial Years) | 40 per computer page |
| 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 -As per Byelaw |
| 6 | Cheque transaction Image/information | NIL |
| 7 | Deposit Receipt | NIL |
Charges for Closure of a/c before 12 Months (Auto)
| Sr.No. | Description | Charges (Rs.) | |||
|---|---|---|---|---|---|
| 1 | Savings | Within 3 month | ₹ 200.00 | before 12 months | ₹ 150.00 |
| After 1 Year No Charges | NIL | ||||
| 2 | Recurring | Within 3 month | NIL | before 12 months | ₹ 100.00 |
| After 1 Year No Charges | NIL | ||||
| 3 | Current | Within 3 month | ₹ 500.00 | before 12 months | ₹ 300.00 |
| 3 | FD ( Within 15 Days - From Date of opening, except Auto Renewal) | NIL | |||
In Case of Token Lost
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Lost Token | 500 Per Token |
Signature Verification
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Signature Verification | 150 Per Verification |
Loan, Nominal Member, Share Application Form Fee
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Loan Application Form Fee | Loan Application - 100/- |
| 2 | Nominal Member, Share Application Form Fee |
Regular Share Application - 100/- Nominal member App. - 50/- |
Loan Processing Fee (Applicable on Sanction Amount.)
| Sr.No. | Description | Charges (Rs.) | Min Rs. | Max |
|---|---|---|---|---|
| 1 | New Term Loans | 0.40% | 500 | No Limit |
| 2 | New Cash Credit | 0.40% | 500 | No Limit |
| 3 | Cash Credit Renewal (as it is) | 0.35% | 500 | 20000 |
| 4 | Housing loan | 0.50% | 1500 | 15000 |
| 5 | Solvency certificate | 0.20% | 500 | 5000 |
| 6 | Sanctioned TOD/EOD | 0.35% | 500 | 1000 |
| 7 | Education Loan (Secured/Unsecured) | 0.35% | 500 | 5000 |
| 8 | Gold Loan | 0.25% | 100 | 250 |
| 9 | FDCC / FDTL / FDOD | NIL | ||
| 10 | Restructuring of credit facility | 0.40% | 500 | 3000 |
| 11 | Retail loans | |||
| A | Two Wheeler | 0.75% | 500 | No Limit |
| B | Three / Four Wheeler | 0.50% | 1000 | 15000 |
| C | Consumer Durable | 1.00% | 500 | No Limit |
| D | Personal | 1.00% | 1000 | No Limit |
Penal Charges in Cash Credit / Term loan (Auto)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Monthly non-submission of stock/book debts statements till 10th of the following months | 2% per month on Outstanding Balance |
| 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 |
| 3 | Overdrawn amount in CC accounts against clearing | 2% of Outstanding Balance |
| 4 | Delay in Installments ( after due date) | 2% of Outstanding Balance |
| 5 | Overdrawn amount in CC accounts over sanction limit / DP whichever is less | 2% of Outstanding Balance |
Note: - C/C Renewal letter to be sent to Customer before 1 month prior
of the due date.
Gold Appraisal Charges
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | To be reimbursed to Gold Valuer | As per contract agreement with Gold Valuer |
Bank Guarantee and Letter of Credit (Fresh & Renewals)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 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 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.
Credit Monitoring / Visit Charges for Total Limits of Rs.10 Lac & Above (Excluding Home loans)
| Sr.No. | Description |
Charges (Rs.) ( except FD/Gold/Staff/Group loan/Debit Mandate ) |
|---|---|---|
| 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 |
| 2 | Below Rs.10 Lacs | Charges Per Quarter through system |
| 3 | Rs. 1 lac to Rs. 2 lac | Rs.75 |
| 4 | Above Rs.2 lac to Rs.5 lac | Rs.125 |
| 5 | Above Rs.5 lac to Rs.10 lac | Rs.187.5 |
Foreclosure Closure of Loan A/c (Excluding Housing Loans)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 |
Foreclosure Closure of Loan A/c (Excluding Individual Loans) |
Upto 24 Month - 3% 25 Month to 48 - 2% 48 Months to 60 - 1% Above 60 Months - Nil |
| 2 | Foreclosure Closure of Loan A/c (Individual Loans) | NIL |
Loan Sanction Letter Revalidation Charges (3 Month)
| Sr.No. | Description | Charges (Rs.) | Minimum |
|---|---|---|---|
| 1 | Revalidation Charges | 0.05% Sanctioned Limit | Rs.1,000/- |
Remittances- Pay orders / DDs (Auto)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Pune Peoples Co-op Bank (Pay-Orders) |
0.50 Per 1,000/- Minimum - Rs.20 Maximum - Rs.1,000/- |
| 2 | HDFC/IDBI |
0.50 Per 1,000/- Minimum - Rs.20 Maximum - Rs.2,000/- |
| 3 | State Bank of India | As per different slabs |
| 4 | By Cash | Rs. 2.00 Per 1,000/- Minimum - Rs.40 |
For SBI: - 0.05% of amount + Charges as per different slabs charge by
SBI
DD / PO/ Revalidation/ Duplicate & Cancellation Charges (Auto)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | HDFC /SBI & other Banks |
Upto 1,500 – Charges 50 Above 1,500- Charges 100 |
| 2 | Pay Order |
Upto 1,500 – Charges 25 Above 1,500- Charges 50 |
RTGS (Auto)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Outward |
Rs.2 Lac to Rs.5 Lac - Rs.25/- Above Rs.5 Lac - Rs.50/- |
| 2 | Inward | NIL |
NEFT (Auto)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Upto Rs.10000 | Rs.5/- |
| 2 | From Rs.10000 to Rs.1 lac | Rs.10/- |
| 3 | Above Rs.1 lac upto Rs.2 lac | Rs.15/- |
| 4 | Above Rs.2 lac | Rs.25/- |
Locker Rent & Security Deposit
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Locker Rent & Security Deposit | Depending upon locker size. Charges schedule can be availed from any branch. – Schedule attached. First year 50% discount |
| A | Delay in payment of Rent after 30 April | Rs.50/- Per month |
| B | Locker Operation charges |
50 visit in Yearly Free Above 50 visits per visit Rs.50/- |
| C | Break Open of locker in case of loss of key | Rs.500 + Actual charges |
Cash counting Charges / Handling Charges (Excluding Saving Account)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Cash deposit above 50000 ( for CA/CC) |
Rs.2.50/- per thousand Max Rs.200/- |
ATM Card Charges
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Duplicate ATM card issue Charges | 100 |
| 2 | Duplicate Pin mailer issue Charges | Green PIN will be used |
| 3 | Yearly Operation Charges | 100 |
| 4 | Additional ATM card to joint A/c holder | 100 |
ATM Transaction Fee (Auto)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 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 |
| 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 – 1. Financial Transactions - Rs. 25 per transaction 2. Non-Financial Transactions - Rs. 10 per transaction |
Metro Centres: Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and
Hyderabad.
Recovery Charges (Charges debited to loan Account)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 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. |
| 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. |
Vehicle Charges
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Issue of NOC to RTO | 150 |
| Seizing Charges | ||
| a. | Light motor vehicle/two wheeler/three wheeler/four wheeler | For two wheeler - 500 & For Four wheeler - 1000 |
| b. | Heavy vehicle | 3000 |
| c. | Excavators & Cranes | 5000 or actual outsourcing charges as approved |
Inter branch Transaction Charges (Excluding Saving)
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Cash /clearing | Free |
Assignment / Reassignment Charges
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Assignment of NSC | 150 + actual Post office charges |
| 2 | Encashment of NSC | 150 + actual Post office charges |
| 3 | Reassignment of NSC | NIL |
| 4 | Assignment / Encashment of LIC Policy | 150/- per LIC branch + actual charges |
Safe Custody Charges
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 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 |
| b. | Sale of pledged Gold ornaments by auction | |
| Loans upto Rs.10,000/- | 100 | |
| Above Rs.10,001/- upto Rs.1,00,000/- | 500 + proportionate advertisement charges | |
| Above Rs.1,00,001/- | 1000 + proportionate advertisement charges |
Others
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 1 | Transfer Share Certificate | 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 ) | 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 | 5 Per Change ( Refer Bye Law) |
| 5 | Where balance is insufficient to carry out Standing Instruction | 50 Per transaction, if the instruction is towards the loan EMI |
| 6 | Attestation of Photograph | 50 for photograph |
| 7 | Charges for giving copies of documents | 10 Per page Minimum 50 |
| 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 |
| 9 | SMS Charges ( w.e.f. 05.02.2025 ) | Rs.0.15 per SMS + GST (on Quarterly Basis rounded off to Nearest One Rupee) For All Accounts (with Registered Mobile No) |
Immediate Credit of local / outstation cheques/instruments
| Sr.No. | Description | Charges (Rs.) |
|---|---|---|
| 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. |
Note :-
| 1 | As far as possible charges to be collected by debiting to party’s / customer’s account |
| a. | Supply of loan application forms |
| b. | Locker rent / delay charges |
| c. | Actual postage & travelling cost wherever applicable |
| 3 | While debit charges, account should not reflect debit balance (SB/CA). Charges to be recovered when account came in credit. |
| 4 | All the Services mentioned above should be charge with GST Extra. (Wherever it is applicable) |
| 5. |
Powers for Waiver of Charges – Upto 25% charges waiver – CEO |
| 2. | Above 25% charges waiver – Hon. BOD |