SERVICE CHARGES W.E.F. 01.11.

2014
All charges are exclusive of service tax. Service Tax @12.36% applicable on all service charges.

Sl No Items
1.
PB

Description

PROPOSED CHARGES

Safe Deposit
Registration Charges (one time)
Lockers
Annual Rent
New Size/ Type
Size A:125 x 175 x 492
Size B:159 x 210 x 492

Medium:

Large:

NO CHANGE

(Metro & Urban Centres:)

Rs. 979/-

(Semi-urban & Rural:)

Rs. 756/-

Size:C:125X352X492; Size:D:189X263X492
Size:E:159x423x492
Size H1:325X210X492
Metro & urban Centres:

Rs. 2492/-

Semi-urban & Rural:

Rs. 1513/-

Size:F:278X352X492
Size:G:189X529X492
Size:H:325x423x492
Metro & Urban Centres:

Rs. 4450/-

Semi-urban & Rural:

Rs. 4450/1

Extra large:

Size L:404X529X492
Size:L1:385X529X492
Metro & Urban Centres:

Semi-urban & Rural:

Note: In case of loss of key of the Lockers, a service
charge of Rs. 500/- has to be recovered from hirer in
addition to the actual expenditure incurred for breaking
open the locker and changing the lock by manufacturers
of lockers.
Locker rent overdue charge
1st Qtr 2nd Qtr

Rs. 6675/Rs. 6675/Rs. 750/-

NO CHANGE
PROPOSED

3rd Qtr
1 Year
For more than 1 year
2.
PB

Locker to be broken

(d) No. of locker visits per year-12 visits per year free;
thereafter Rs. 51/- per visit.

3.
Safe deposit articles One time charge for all kinds of
SME
Safe Deposit Articles .
Additional charge for Envelope
(p.a.)
Additional charge for Packet
(p.a.)

Rs.100/Rs.550/-.
Rs.125/Rs.550/-

Additional charge for Large

packet / Box- (max. 100 cms.)
p.a.
Subject to maximum total
dimensions (i.e.length + width +
height) not exceeding 100 c.m,.
if exceeds 100 c.m. Rs. 20 per
cm. (subject to availability of
space available)

4.

Safe Custody charges

Rs.1100/-

Rs.50/-

Scrips ( for each scrip)

Sealed cover(each)

Rs.150/- per scrip

.Min.Rs.300/- p.a.

Account Related charges

8.
SME

9.

Issue of Cheque
Issue of MCC cheque
books (All segments) CA all segments/CC
CA/CC

Passbook

Rs.2/- per leaf

(first 50 cheque leaves free)

Emergency Cheque request (10

leaves set):

Rs.3/-per leaf.

Issue of Passbook

Free

PB

Duplicate Passbook

SME

w.e.f.09.01.2008

With
latest
balance
(Rs. 100/- additional per
previous entries)

Monthly

Free

10.
SME

Statement of
account

(All Segments)
Duplicate statement
(All Segments)

11.
SME

Stop
instruction

Rs.
100/-.
40 entries for

paymentSB Accounts

With latest balance Rs. 100/(Rs. 100/- additional per 40 previous

entries)

No change

(All Segments)
w.e.f.09.01.2008

Stop
payment CA/CC
instructions
(All Segments)
12.
PB

A/c closure
(SB/CA)

a) Within 14 days

Rs. 100/- per instrument up to 3 leaves

Range of Cheques Rs.200/NIL

b) Beyond 14 days
months

but upto 6 Rs. 300/Excluding Basic & small accounts opened

Individual under FI.

c) After 6 months but before 12 Rs. 200/Excluding Basic & small accounts opened
months
Individual under FI.
13.
PB
SME

Transfer of accounts Per occasion (Inclusive of postal Rs. 100/(SB and CA)
charge)
(All Segments)

COLLECTION AND REMITTANCE CHARGES

14.
Cheque Returned
(a) Cheques drawn on us.( forFor Cheques upto Rs. 1,00,000/-, Rs.225/+ out of pocket expenses, if any
PB
Charges
insufficient funds only)
( For all Segments)
For Cheques above Rs. 1,00,000/-,
Rs.350/- + out of pocket expenses, if any
(b) Cheque returned charges- Rs.100/- + out of pocket expenses, if any
Cheques drawn on us. (for technical
reasons) (Not to be charged where
customer is not at fault as per RBI
guidelines)
15.
Cheque/bill
Cheque/bill upto Rs.1.00 lacs:
SME deposited with us
returned unpaid by
others(Local/
Cheque/bill above Rs.1.00 lacs:
Outstation)

Rs.100/-+ Out of
pocket expenses, if any.

16.
SME

Upto 10000/Rs. 100/- + out of pocket expenses

Collection of bills

Upto Rs.5000/-

Rs.200/-+ Out of
pocket expenses, if any.

Above Rs.5000/- upto Rs.10000/-

Above Rs.10000/-

17.
PB/
REH&
HD
/SME
PB/
REH&
HD/
SME/
AGL

S.I.

Failed S.I.
Setting of SI(onetime fee )

EMI(All segment)
Excluding
Govt.sponsored
scheme.

Failed EMI

18.
Account Keeping
CA-SME
SME Charges per annum.
CC/OD-Limit exceeding 25000

Rs.8/- per 1000/- or part thereof

Min. Rs.100/- + Out of pocket expenses
Max. Rs.12733/- + Out of pocket expenses

Rs.225/- per S.I.

Rs.50/Rs.500/- per EMI

Rs. 550/Rs. 550/-

No a/c keeping charge for individual P Segment Customer/Govt. accounts

19.
PB &
RBU

Per & Agri segment

Gold Loan Safe
Keeping Charge

To be charged 30 days after

the expiry of the prescribed
tenure of gold Loan in Per /
Agri segment.(Currently 30
months/36
months
respectively)
(New proposal)

Rs. 750/- per annum

20.
PB

No. of cash deposit transaction in SB A/c

( Excluding Financial Inclusion Accounts)
(New proposal)

First 5 Txns in a month-NIL. Thereafter, Rs

50 per txn in a month. (Excluding Alternate
channel transactions)

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Description

21.
Issue of IOI
Upto Rs. 5,000/SME (Demand
drafts/
& BOD Bankers cheque)

PROPOSED CHARGES
(Inclusive of S.Tax)
No Change

Above Rs. 5,000/- upto Rs.

Rs. 50/10,000/-

Above Rs. 10,000/- upto Rs. Rs. 5/- per 1000/- or part thereof - Min. Rs.
1,00,000/55/Above Rs. 1,00,000/-

22.
23.

Rs. 4/- per 1000/- or part thereof Min. Rs. 404/Max. Rs. 15000/-

Cash Handling charges will be in addition to proposed charges for

issuance of IOI (Demand drafts/ Bankers cheque), if in case of cash
transaction
Revalidation/Cancellati Per instance.
Rs.100/on & issuance of
duplicate IOI
(Draft/B.Ch)
Cash handling charges(a) Upto one bundle
NIL

SME

for CA/CC for other (b) More than one bundle

than
P
segment
customers at Home
branch.

Rs.300/- per bundle of same denomination.

Loose note- Rs. 0.60 per note Min Rs.50/Max Rs. 15000/-

24
PB

For P seg. Customersa) Up to 1 bundle.

for CA/SB accounts
b) More than one bundle

NIL
Rs. 10/- per packet containing100 notes of
same denomination.
Rs. 0.60 per loose note
(In uniformity with SME proposal for loose
notes )

Sl No

Items / Description

PROPOSED CHARGES

25.

All Segments

Balance Certificate per

instance

Rs. 150/-

26.

All Segments

Interest certificate - FirstFree;

Rs. 150/-

Extra copy per certificate

27.

All Segments

Signature verification per

instance

Rs. 150/-

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28.

All Segments

No dues certificate
Priority sector
Others

29.

All Segments

30.
Postal charges
BOD

31.
Solvency certificate
SME

No charge
Individual Rs. 100/Firm Rs. 200/-

Presentation of usance
bills per instance
(a) Ordinary

Rs. 110/-

(b) regd. /speed post/

courier
Non-commercial per lac

Rs. 45/-

Rs. 18/-

Rs. 300/-

Commercial per lac

Min.
Max.
32.
PB
SME
33.
PB
SME
34.
SME

Rs. 300/Rs. 1200/Rs. 18000/-

Photo attestation charges per instance

Rs. 150/-

Record -copy of the cheque per instance

Rs. 150/-

Enquiries relating to old (beyond 12 months old) per Rs.150/- per item upto 2 years and
records
item
thereafter additional 100/- per additional
year.

11

35.
PB
SME
36.
PB

ATM card/ KIT returned by courier due to wrong

address

Rs. 100/-

Loan to Pensioners
One time processing
charge

Rs. 500/-

New charge proposed

PB SEGMENT RELATED TRANSACTION:

37.

LIMIT
ONMONTHLY LIMIT ON NUMBER OF FREE ATM TRANSACTIONS
AVERAGE MONTHLY BALANCE SavingsMONTHLY
OF
DEBIT(BOTH FINANCIAL AND NON-FINANCIAL TRANSACTIONS)
Bank Transactions Charge : New ChargesNUMBER
proposed
based
on
number
ofTRANSACTIONS
Transactions
Other Banks ATMs @
Own Bank ATMs

(SBG)
BRANCH# Internet

< Rs 1000

Mobile
Banking #
**
20

>Rs 1000 upto Rs 25,000

>Rs 25,000 upto Rs 50,000

>Rs50,000 upto Rs 1,00,000

a.

b.

In
6
Centres $

Metro Other Centres

Any Centre#

40

10

free

Unlimited

15

free

Unlimited

Unlimited
Rs.20/- *

Unlimited
Rs.20/- *

Unlimited
Rs.5/- *

Rs.8/-

Rs.8/-

Rs.5/-

> 1,00,000
Charges for financial trxns beyond Rs.20/the set limit (Rs per trxn)
Charges for non-financial trxns
beyond the set limit (Rs per trxn)*

No limit
Rs.5/-

12

$ Namely, Mumbai, New Delhi, Chennai, Kolkata, Bangalore and Hyderabad

@This charge will not be applicable to small/no frill/Basic Savings Bank Deposit Account holders. These customers will continue to get 5 free
transactions, irrespective of the centre, as hitherto.
*Charges to be applicable from 1st November, 2014.
#Staff may be exempted from this charge.
** S.I. fed through INB/Mobile Banking will be excluded from this limit.
One way inter-changeability allowed between branch transaction and ATM transaction. It means a customer will be allowed 9 free
transactions at our Group ATMs if he does not visit the branch at all during a month or 8 free ATM transactions if he visits the branch once and
so on.

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AGRI RELATED CHARGES:

Srl Services
Proposed charges
No. Charges
38. Loan
ACC / KCC Advances
Processing ( F.B + N.F.B limits )
Charges
a) Upto Rs.50,000/: NIL
Mostly availed by marginal farmers
b) > Rs.50,000 upto Rs.1.00 lac : Rs.100 /Mostly availed by small farmers.
c) > Rs.1.00 lac upto Rs.3.00 lacs: Rs .100/- per
lac or part thereof.
d) > Rs.3.00 lacs : 0.30% of loan amount with
maximum of Rs.30 lacs ( As per extant
guidelines )
(The existing processing charges will continue for
agri advances other than ACC / KCC advances )

14

39.

Inspection
Charges

No Change.
For agricultural advances criteria
for levy of inspection charges
should be within area of operation
instead of within same municipal
limit.

40.

Rephasement ofNIL
loans / deferment
in loan instalments No charges to be levied on Agri
Term
loans
rephased
/
restructured on account of natural
calamities

41.

Discretionary
Power structure for
waiver of service
charges under Agri
segment

AGMs(Region) up to 10%
DGM (B&O)
up to 25%
GM
up to 75%
CGM
up to 100%

ATM TRANSACTION RELATED CHARGES:

15

Sl
No

Items
International Cash Withdrawal transaction

Proposed charges #
(Rs. 100/- min. + 3.5% of transaction amount)

42.

16