SERVICE CHARGES REVIEW
ALM sub committee meeting dated : 09/01/2026
Applicable date : 01/02/2026
| Sr. no. | Particulars | Amount | |
| Saving | |||
| 1 | Saving bank A/C-no frills a/c | ||
| 2. | Saving bank A/C minimum balance | Rs.200.00 | |
| 3. | Charges for non-maintenance there of | Rs. 25.00 | |
| 4. | S.B.A/C with cheque facility | Rs.1000.00 | |
| 5. | Issue of cheque book | Per cheque leaf Rs. 5.00 | |
| 6. | Issue of loose cheque for new all cheque book | Per leaf Rs. 10.00 | |
| New account Cheque book | Per leaf Rs. 50.00 | ||
| New account opening for Cheque book | Rs. 1000.00 | ||
| 7 | Charge for non maintenance there | Rs. 25.00 | |
| Current A/C | |||
| 8. | Minimum balance | Rs.1000.00 | |
| 9. | Charges for non maintenance there of | Rs.50.00 | |
| 10. | Issue of duplicate statement | Per page Rs 25.00 | |
| 11. | Issue of cheque book | Per cheque leaf Rs. 5.00 | |
| 12. | Issue of loose cheque for new all cheque book | Per leaf Rs.10.00 | |
| 13. | Issue of duplicate Passbook | Rs.100.00 | |
| Miscellaneous | |||
| 14. | No dues certificate | Rs.200.00 | |
| 15. | Solvency certificate | Rs. 500.00 | |
| 16. | Balance certificate | Rs. 200.00 | |
| 17. | Interest certificate | Rs. 200.00 | |
| 18. | Account closure before 12 month | Rs. 100.00 | |
| 19. | Photo attestation | Rs. 200.00 | |
| 20. | Signature attestation | Rs. 200.00 | |
| 19. | Stop payment charges | Rs. 100.00 | |
| 20. | In-operative account charges | Rs. 100.00 | |
| Remittance facilities | |||
| 21. | DD issue | Min. Rs.10.00 up to Rs. 10000.00
Rs.1.00 per Rs.1000.00 for amount above 10000.00. Maximum Rs. 5000.00. |
|
| 22. | Issue of pay order/Banker cheque | Min. Rs. 10.00 up to Rs. 10000.00.
Rs. 1.00per Rs. 1000.00 for amount above 10000.00. Max. Rs. 5000.00. |
|
| 23. | Issue of telephonic transfer (T.T.) | NA | |
| 24. | RTGS/NEFT | Min Rs.10.00 up to Rs. 10000.00
Rs. 0.50 per Rs. 1000.00 for amount up to Rs. 1,00,000.00 and above Max. Rs.100.00 |
|
| 25. | DD cancellation | Rs.200.00 | |
| 26. | DD duplicate | Rs.200.00 | |
| 27. | DD-revalidation | Rs.200.00 | |
| 28. | PO-cancellation | Rs.200.00 | |
| 29. | PO duplicate | Rs.200.00 | |
| PO-revalidation | Rs.200.00 | ||
| Cheque Collection | |||
| 30. | Local and Outstation | ||
| 31. | Outward CTS Clearing | Min. Rs 50.00 for amount upto Rs. 50,000.00
For amount above Rs. 50,000.00 Rs 1.00 per Rs. 1,000.00, Max Rs. 5000.00 |
|
| 32. | Inward CTS Clearing | Min. Rs 50.00 for amount upto Rs. 50,000.00
For amount above Rs. 50,000.00 Rs 1.00 per Rs. 1,000.00, Max Rs. 5000.00 |
|
| 33. | Outstation inward and outward cheque / bills received for collection | Min. Rs. 50.00 up to Rs. 10000.00
for amount above Rs. 10000.00. Rs. 1.50 per Rs. 1000.00, Max. Rs. 5000.00 |
|
| 34. | Cheque return charges | ||
| 35. | Inward and outward CTS clearing | Rs. 500.00 | |
| 36. | Cheque return charges -Outstation inward and outward cheque / bills received for collection | Rs. 500.00 | |
| 37.
|
Outward Mandate Presenting Charges | Rs,200.00 | |
| 38 | Inward Mandate returning Charges | Rs,200.00 | |
| 39 | IMPS Charges | Nill | |
| Loan processing charges | |||
| Loan amount | Process Fees | ||
|
40 |
Rs. 50,000.00 to RS.2,00,000.00 | 1.00 % of loan amount.
Min. Rs. 1000.00 |
|
| 41 | Rs. 2,00,000.00 to 5,00,000.00
|
1.00 % of loan amount.
Min 3000.00 |
|
| 42 | Above Rs. 5,00,000.00 | 0.50% of Loan Amount. | |
| 43 | Processing Charges for Gold Loan, LAWR | 0.25% of Loan Amount. Min. 250.00 | |
| 44 | Processing charges for Non Fund based limits | 3.00 % as of the amount. | |
| 45 | Review of Term loan (Above Rs. 1.00 lakh) | Rs. 1000.00 | |
| 46 | Review of Ad-hoc limits | 0.10% of sanctioned limits
(Min Rs. 500.00 ) |
|
| 47 | Charges for late payment of EMI | 2.00 % | |
| 48 | Deliveries/ pledge | Rs. 850.00 + out of pocket expenses | |
| 49 | Redemption of securities | Rs. 1000.00 | |
| 50 | Gold /Silver/ Gems Valuation Charges | Rs. 200.00 per Rs. 1.00 lakh.
Min. Rs. 200.00 and Max. Rs. 1000.00 |
|
| Inspection charges per occasion in respect of assets hypothecated/ mortgaged | Yearly | ||
| Up to Rs. 25000.00 | Nill | ||
| Above Rs. 25000.00 to Rs. 2.00 Lakhs | Rs. 500.00 | ||
| 49 | Above Rs. 2.00 Lakhs to Rs. 5.00 Lakhs | Rs. 1000.00 | |
| Above Rs. 5.00 Lakhs to Rs. 10.00 Lakhs | Rs. 2000.00 | ||
| Above Rs. 10 Lakhs to Rs. 25 Lakhs | Rs. 3000.00 | ||
| Ledger Maintainence Charges | |||
| All Loan accounts (not applicable to LFDR , PL & GL ) | |||
| Upto Rs. 2.00 lakhs | Rs. 500.00 | ||
| 50 | Rs. 2.00 lakhs to 5.00 lakhs | RS. 1000.00 | |
| 51 | Above Rs 5.00 lakhs to 10 Lakhs | Rs. 2000.00 | |
| Above 10 Lakhs | Rs. 3000.00 | ||
| 50 | Incidental Charges on Current Account | Rs. 200.00 | |
| 51 | Recovery Charges
(not applicable to LFDR & PL ) |
Monthly |
|
| Upto Rs. 2.00 lakhs | Rs. 500.00 | ||
| Rs. 2.00 lakhs to 5.00 lakhs | RS. 1000.00 | ||
| Rs 5.00 lakhs to 10.00 lakhs | Rs. 2000.00 | ||
| Rs 10.00 lakhs to 20.00 lakhs | Rs. 3000.00 | ||
| Above Rs. 20.00 Lakhs | Rs. 5000.00 | ||
| CC Hypothecation Stock Statement not submitted | Rs. 500.00 per month | ||
| 52 | Loan Application Charges | ||
| Loan Amount upto Rs. 2.00 Lacs | Rs. 200.00 | ||
| Loan Amount above Rs. 2.00 Lacs | Rs. 200.00 | ||
| 53 | CIBIL Report Generation Charges | Rs,300.00 | |
| 54 | Correction in CIBIL Data Charges | Rs,200.00 | |
Note: 18.00 % GST will be calculated on each charge.