| Service Charges effective From 01/01/2018 | |||||||
|---|---|---|---|---|---|---|---|
| Sr.No. | Particular / Nature of Service | Particular | Criteria | Basic Amount Rs. Ps. |
CGST @ | CGST @ | Including GST Amount Rs. Ps. |
| 9% | 9% | ||||||
| Amount Rs. Ps. |
Amount Rs. Ps. |
||||||
| 1 | Minimum Balance | No Frill Saving A/c | Balance Zero | - | - | - | - |
| Regular Saving A/c (Without Cheque Book) | Rs 500/- | - | - | - | - | ||
| Regular Saving A/c (With Cheque Book) | Rs 1000/- | - | - | - | - | ||
| Regular Current A/c | Rs 3000/- | 25.00 | 2.25 | 2.25 | 29.50 | ||
| 2 | Inoperative / Dormant A/c | Saving A/c | As per RBI Norms | 50.00 | 4.50 | 4.50 | 59.00 |
| Current A/c | As per RBI Norms | 100.00 | 9.00 | 9.00 | 118.00 | ||
| 3 | Cheque Book Issue | Saving A/c | Per Leaf | 2.50 | 0.23 | 0.23 | 2.96 |
| Current A/c | Per Leaf | 2.50 | 0.23 | 0.23 | 2.96 | ||
| Cash Credit / TPO / CFD ETC. | Per Leaf | 2.50 | 0.23 | 0.23 | 2.96 | ||
| 4 | Duplicate Pass Book / Account Statement | Saving A/c | Per Pass Book | 25.00 | 2.25 | 2.25 | 29.50 |
| Current A/c | Per Page | 15.00 | 1.35 | 1.35 | 17.70 | ||
| Cash Credit / TPO / CFD / Other Loans | Per Page | 15.00 | 1.35 | 1.35 | 17.70 | ||
| 5 | Demand Draft / Pay Order | Pay Order | Upto 1000 | 5.08 | 0.46 | 0.46 | 6.00 |
| 1001 TO 20000 | 10.00 | 0.90 | 0.90 | 11.80 | |||
| 20001 & Above | Rs.0.50 Per Thousand | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | |||
| HDFC | Upto 1000 | 5.08 | 0.46 | 0.46 | 6.00 | ||
| 1001 TO 20000 | 10.00 | 0.90 | 0.90 | 11.80 | |||
| 20001 & Above | Rs.0.50 Per Thousand | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | |||
| Demand Draft / Pay Order | State Bank of India | Per Thousand or Part thereof | Rs.1.10 Per Thousand (Minimum Rs.15/-) | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | |
| State Bank OF Mysore | UPTO RS 5000/- | 25.00 | 2.25 | 2.25 | 29.50 | ||
| ABOVE RS 5,000/- UPTO RS 10,000/- | 110.00 | 9.90 | 9.90 | 129.80 | |||
| ABOVE RS.10,000/- UPTO RS 1,00,000/- | Rs.5.50 Per Thousand or Part thereof Minimum Rs.55/- | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | |||
| ABOVE RS 1,00,000/- | Rs.5/- Per Thousand or Part thereof Minimum Rs.550/- Maximum Rs.15255/- | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | |||
| Demand Draft / Pay Order (IF PURCHASED IN CASH) On Any Bank | Per Thousand or Part thereof | Rs.2.50 Per Thousand or Part thereof Minimum Rs.10/- | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | ||
| Demand Draft / Pay Order Revalidation & Cancellation | Per Demand Draft / Pay Order | 50.00 | 4.50 | 4.50 | 59.00 | ||
| Duplicate Demand Draft / Pay Order | Per Demand Draft / Pay Order | 25.00 | 2.25 | 2.25 | 29.50 | ||
| 6 | Cheque / Draft Discounting (GST Not Applicable) | Cheque / Demand Draft / Pay Order / Banker's Cheque Discounting | Per Thousand or Part thereof | Rs.2.50 Per Thousand or Part thereof Minimum Rs.25/- Per Instrument Per Day | - | - | Rs.2.50 Per Thousand or Part thereof Minimum Rs.25/- Per Instrument Per Day |
| 7 | Stop Payment Charges | Per Instrument | * Rs.22/- Per Cheque | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | |
| Cancellation / Revocation of Stop Payment | Per Instrument | Rs. 22/- Per Instrument | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | ||
| 8 | Against Cheque Clearance Payment (Clearing Against) | Only for Savings and Current A/c | Per Thousand or Part thereof | Rs.2.50 Per Thousand or Part thereof Minimum Rs.25/- Per Day | - | - | Basic Charges (+) Applicable Taxes |
| 9 | OBC Collection Charges | If Cheque is Realised | Upto Rs 5000 | 25.00 | 2.25 | 2.25 | 29.50 |
| Rs 5001 To 10000 | 50.00 | 4.50 | 4.50 | 59.00 | |||
| Rs 10001 To 100000 | 100.00 | 9.00 | 9.00 | 118.00 | |||
| Above 100000 | Rs.150/- (+) Rs.25 Postage (+) Other Bank Commission | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | |||
| 10 | OBC Collection Charges | If Cheque is Returned | Upto 1000 | 10.00 | 0.90 | 0.90 | 11.80 |
| From 1001 TO 10000 | 25.00 | 2.25 | 2.25 | 29.50 | |||
| Above 10001 | Rs.50/- (+) Rs.25 Postage (+) Other Bank Commission | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | |||
| 11 | IBC Collection Charges | If Cheque / Bill is Realised * In case of Payment through NEFT/RTGS/DD take commission as applicable for NEFT/RTGS/DD | Upto 1000 | Rs.10/- (+) Rs.34/- Postage | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes |
| From 1001 TO 10000 | Rs.22/- (+) Rs.34/- Postage | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | |||
| 10001 & Above | Applicable DD Comm. (+) Postage & Stationery Charges Rs 34/- (Minimum Rs 56) | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | |||
| If Cheque / Bill is Returned | Per Cheque / Bill | Applicable Postage Charges + Handling Charges Rs. 25/- Per IBC | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes | ||
| 12 | Cheque / ECS Return Charges | Cheque Drawn On Us Return Unpaid | Per Thousand, No Charges if no fault of Customer | Per Thousand Rs 2.15/- Minimum. Rs 25/- Maximum. Rs 340/- No Charges If No Fault Of Customer | Applicable Taxes | Applicable Taxes | Basic Charges (+) Applicable Taxes |
| Cheques deposited with us, returned unpaid. | Per Instrument, No Charges, If No Fault Of Customer. | 50.00 | 4.50 | 4.50 | 59.00 | ||
| ECS Return Minimum Rs.25.42 (Rs.30/- including GST) Maximum Rs.338.98 (Rs.400/- including GST) |
Per Thousand | 2.00 | 0.18 | 0.18 | 2.36 | ||
| 13 | RTGS / NEFT | RTGS | 2 Lac To 5 Lac | 25.00 | 2.25 | 2.25 | 29.50 |
| Above 5 Lac | 50.00 | 4.50 | 4.50 | 59.00 | |||
| NEFT | Upto 10000 | 2.38 | 0.21 | 0.21 | 2.80 | ||
| From 10000 To 1 Lac | 4.66 | 0.42 | 0.42 | 5.50 | |||
| From 1 Lac To 2 Lac | 15.00 | 1.35 | 1.35 | 17.70 | |||
| Above 2 Lac | 25.00 | 2.25 | 2.25 | 29.50 | |||
| 14 | ATM Card Charges | New ATM card Issue Charges | First Time | FREE | - | - | - |
| Duplicate ATM card Issue Charges | Per ATM Card | 100.00 | 9.00 | 9.00 | 118.00 | ||
| Duplicate Pin mailer Issue Charges | Per Pin mailer | 50.00 | 4.50 | 4.50 | 59.00 | ||
| Replacement of Damaged ATM Card. | Per ATM Card | 100.00 | 9.00 | 9.00 | 118.00 | ||
| Cash withdrawal Charges after 5 Transaction | Per Transaction | 20.00 | 1.80 | 1.80 | 23.60 | ||
| For Non Financial Transaction - Balance inquiry, Minimum Statement | Per Enquiry | 10.00 | 0.90 | 0.90 | 11.80 | ||
| 15 | Lost Token | Per Token | 152.54 | 13.73 | 13.73 | 180.00 | |
| 16 | Signature Verification / Attestation ON | Per Verification / Attestation | 25.00 | 2.25 | 2.25 | 29.50 | |
| 17 | Solvency Certificate | General | Per Lac Minimum Maximum |
100.00 500.00 5000.00 |
9.00 45.00 450.00 |
9.00 45.00 450.00 |
118.00 590.00 5900.00 |
| Educational Purpose | Per Lac Minimum Maximum |
50.00 250.00 1000.00 |
4.50 22.50 90.00 |
4.50 22.50 90.00 |
59.00 295.00 1180.00 |
||
| For extra each copy | 100.00 | 9.00 | 9.00 | 118.00 | |||
| 18 | E-Payment Charges | Per E-Payment | 50.00 | 4.50 | 4.50 | 59.00 | |
| 19 | SMS Charges | Quarterly | 15.00 | 1.35 | 1.35 | 17.70 | |
| * Note : - Current Applicable GST rate is @ 18% (CGST @ 9% and SGST @ 9%) | |||||||
| Service Charges Applicable for Various Loans - Effective From 01/07/2017 |
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| SR.NO | SCHEME | APPLICABLE CHARGES (Excluding GST) | MAXIMUM (Excluding GST) |
| 1 | Ware House Receipt HYP Loan | 0.1000% Of Loan Amount | |
| 2 | 3 / 4 Wheeler Commercial use | 0.2500% Of Loan Amount | |
| 3 | Rickshaw Old / New | 0.2500% Of Loan Amount | |
| 4 | Wholesale Cloth Merchant | 0.2500% Of Loan Amount | |
| 5 | Loan Against Future Rent Receivable | 0.2500% Of Loan Amount | |
| 6 | Eco Friendly Karja Yojana | 0.2500% Of Loan Amount | |
| 7 | Education Loan | 0.2500% Of Loan Amount | |
| 8 | Hospital (Doctors) Scheme | 0.2500% Of Loan Amount | |
| 9 | Professional (CA/ Advocate etc) Clean CC | 0.2500% Of Loan Amount | |
| 10 | Gold Loan / NSC / LIP / KVP | 0.2500% Of Loan Amount | |
| 11 | Cash Credit against Gold Loan | 0.2500% Of Loan Amount | |
| 12 | Two Wheeler | 0.3000% Of Loan Amount | |
| 13 | Four Wheeler | 0.3000% Of Loan Amount | |
| 14 | Cash Credit Renewal | 0.5000% Of Loan Amount | 15000 |
| 15 | TPO (OD) Renewal | 0.5000% Of Loan Amount | 15000 |
| 16 | TPT (Traders Property Term Loan) | 0.5000% Of Loan Amount | 50000 |
| 17 | New Cash Credit | 0.5000% Of Loan Amount | 50000 |
| 18 | Term Loan | 0.5000% Of Loan Amount | 50000 |
| 19 | New TPO (OD) | 0.5000% Of Loan Amount | 50000 |
| 20 | Education Institute Loan | 0.5000% Of Loan Amount | |
| 21 | Loan against Deposit | NIL | NIL |
| 22 | Housing Loan | Rs 250/- Per Lac | |
| 23 | Delay In Stock Statement | If Stock form / Work In Progress form Not submitted before 10th of next month, 2.00% per annum On outstanding balance From the 1st day of the month till the date of submission, Maximum. Rs 1000/- per month | |
| 24 | Loan Closed Before Due Date - Commitment Charges | ||
| A | CC / TPO (Upto 10 Lac) | No Charges | |
| B | CC / TPO (For Limit Above 10 Lac) | 2.00% Per Annum on Sanctioned Limit for Remaining Period of Limit. | |
| C | Term Loan (For Limit Above 10 Lac) | ||
| I | For Individuals / Proprietorship Firm | No Charges | |
| II | Other Loans (Other then Individuals / Proprietorship Firm) | 2.00 % Per Annum on Advance Repayment Amount | |
| 25 | Stock Verification Charges | ||
| A | Upto 5 Lacs | Rs 100/- | |
| B | Above 5 Lacs | Rs 250/- | |
| 26 | Loan Application Nominal Member,Share Application Form Fee | ||
| Loan Application Form Fee | 1. Rs 101.70 (Rs.120/- including GST) 2. Hypo Rickshaw (For SC/ST'S) Rs 12.72/- (Rs.15/- including GST) |
||
| Nominal Member, Share Application Form Fee | Membership application Form - Rs.25.42 ( Rs 30/- including
GST) Nominal Membership application form – Rs 12.72/- (Rs.15/- including GST= ) |
||
| Membership List | Rs 1000/- | ||
| Byelaws Copy | Rs.25.42 (Rs.30/- including GST) | ||
| 27 | Bank Guarantee / Letter Of Credit | ||
| A | Bank guarantee (Full cover of fixed deposit) | Upto 5 Lacs Rs 100/- per annum & Above 5 Lac – Rs 20/- Per Lac. Per year. | |
| B | Bank guarantee (covered by other security) | 2.00% Per Annum On Bank Guarantee Amount (Minimum. Rs 200/-) | |
| C | Bank guarantee / Letter Of Credit Availed From Other Banks | ||
| I | Availed From Saraswat Bank | Amount Equal to Commission Debited by Saraswat Bank to Our Bank. | |
| II | Availed From Bank Of Baroda | Full Cover of Fixed Deposit - Rs 100/- | |
| 30% of Secured Bank Guarantee - Commission Debited By Bank Of Baroda + Same Amount Our Commission. | |||
| D | Letter Of Credit | 2.00% per annum on sanctioned amount, Minimum. Rs 100/- Per Year |
|
| * | Note : - Current Applicable GST rate is @ 18% (CGST @ 9% and SGST @ 9%) | ||