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Service Charges

Particular ChargesExclusive of Taxes
Minimum Balance Charges
Regular Saving a/c with Cheque Books NIL
Regular Saving a/c without Cheque Books NIL
Janata Basic Savings NIL
Janata Kids Savings NIL
Premium Savings NIL
Regular Currents a/c (Minimum Balance Rs.3000/-) Rs. 100/- per month
Premium Currents a/c (Avg. monthly balace Rs. 50000/-) Rs. 300/- per month
Quarterly Service Charges
Current a/c, Cash Credit, Overdraft Rs. 125/- per quarter
Cheque Book Charges
Savings a/c NIL
Savings a/c more than 1 chequebook request Rs. 3/- per leaf
Current a/c, Cash Credit, Overdraft Rs. 3/- per leaf
SMS Charges
Savings a/c Rs. 10/- + GST per quarter
Current a/c Rs. 20/- + GST per quarter
Cheque/Bills Collection (OBC)
Upto 10,000/- Rs. 100/-
Above 10,001/- Upto 1,00,000/- Rs. 150/-
Aove 1,00,001/- Rs. 200/-
Cheque/Bills Collection (OBC) Return
Savings a/c Rs. 150/- + postage
Current a/c, Cash Credit, Overdraft Rs. 250/- + postage
Inward/Outward/NACH (Debit) Return Charges
Savings a/c Rs. 150/- per instrument
Current a/c, Cash Credit, Overdraft Rs. 250/- per instrument
Stop Payment Charges
Savings a/c, Current a/c, Cash Credit, Overdraft Rs. 150/- per instrument
Multiple Max Rs.500/-
Account Closure Charges
Savings a/c Rs. 125/- (within 1 year), NIL beyond 1 year or death + Rs. 3/- for unused cheque leaf
Current a/c Rs. 500/- (within 1 year), NIL beyond 1 year or death
Penalty on Recurring Deposits for delayed payment of monthly installments
Accounts for the period upto 5 years Rs. 1.50/- per 100/- per month
Accounts for the period above 5 years Rs. 2/- per 100/- per month
Pay Orders
Issue Rs. 5/- per 1000 (minimum Rs. 25/- maximum Rs.300/-)
Cancellation/Duplicate/Revalidation Rs. 50/- per instrument
Demand Draft
Issue/Cancellation/Duplicate/Revalidation Rs. 100/- per instrument + Issuing bank charges
At par cheques
Issue Rs. 5/- per 1000 (minimum Rs. 25/- maximum Rs.500/-)
Cancellation/Revalidation Rs. 100/- per instrument
Enquiry relating to old records/issuing Photocopy of the Paid Cheque/Record copy of the cheque
1 year upto 3 years Rs. 100/- per enquiry/record/page
3 years upto 5 years Rs. 200/- per enquiry/record/page
5 year upto 10 years Rs. 300/- per enquiry/record/page
Share Certificate
Duplicate Rs. 100/- per certificate
Transfer Rs. 100/- per certificate
Fate Enquiry / Confirmation Charges
Upto 10 Lakhs Rs. 200/- per instrument per lakh
Above 10 lakhs Rs. 300/- per instrument per lakh
Solvency Certificate
Other than Educational Purpose having credit facility limit 0.10% of amount (Minimum Rs. 1000/- Maximum Rs. 10000/-)
Adhoc Solvency Certificate without credit facility limit 0.10% of amount (Minimum Rs. 500/- Maximum Rs. 5000/-)
Additional/Duplicate Certificate Rs. 100/- per certificate
For Educational Purpose Free (For more than 1 certificate Rs. 25/- per certificate)
NEFT/RTGS Charges

No charges if transactions are through mobile banking

NEFT
Amount Limit Charges per transaction (For Branch Banking)
Upto Rs.10000 NIL
Above 10000 – 1 Lakh Rs.4/- + GST
Above 1 Lakh – 2 Lacs Rs.10/- + GST
Above 5 Lacs Rs.20/- + GST
RTGS
Amount Limit Charges per transaction (For Branch Banking)
2 Lakh – 5 Lacs Rs.20/- + GST
Above 5 Lacs Rs.40/- + GST
Cash Handling Charges
For Savings Account
Monthly cash deposit upto Rs. 1 lakh and/or Average Monthly Balance Rs.5 lakhs and above NO Charges
Monthly cash deposit above Rs. 1 lakh and/or Average Monthly Balance below Rs.5 lakhs Rs. 100/- per lakh for amount above 1 lakh
For Current Account
Monthly cash deposit upto Rs. 1 lakh and/or Average Monthly Balance Rs.1 lakhs and above NO Charges
Monthly cash deposit above Rs. 1 lakh and/or Average Monthly Balance below Rs.1 lakhs Rs. 100/- per lakh for amount above 1 lakh
For OD/CC Account and limit upto Rs.20 lakh
Monthly cash deposit upto Rs. 5 lakh NO Charges
Monthly cash deposit above Rs. 5 lakh Rs. 100/- per lakh for amount above 5 lakh
For OD/CC Account and limit between Rs.20 lakh and 100 lakh
Monthly cash deposit upto Rs. 10 lakh NO Charges
Monthly cash deposit above Rs. 10 lakh Rs. 100/- per lakh for amount above 10 lakh
For OD/CC Account and between Rs.100 lakh and 200 lakh
Monthly cash deposit upto Rs. 25 lakh NO Charges
Monthly cash deposit above Rs. 25 lakh Rs. 100/- per lakh for amount above 25 lakh
For OD/CC Account and above Rs.200 lakh
Monthly cash deposit upto Rs. 40 lakh NO Charges
Monthly cash deposit above Rs. 40 lakh Rs. 100/- per lakh for amount above 40 lakh
Low Denomination Charges for all accounts
200 pieces/coins free (1 Bundle = 100 pcs) per day NO Charges
Above 200 pieces/coins free (1 Bundle = 100 pcs) per day Rs. 10/- per 100 pieces/coins above free limit
Loan Related Charges
Form Charges Rs. 50/- per form
CIBIL Charges Individual Rs. 100/-
Corporate Rs. 1000/-
CERSAI Charges
Creation/Modification of charges for loans upto 5 lakhs Rs. 25/- per entry
Creation/Modification of charges for loans above 5 lakhs Rs. 100/- per entry
CERSAI search charges Rs. 10/-
Fixing Bank’s Name Plate on Mortgaged Property /Hypothecated Machinery, Vehicle, etc (photograph to be obtained) Upto 5 Lakhs Rs. 250/- per plate
Above 5 Lakhs Rs. 500/- per plate
Notice of reminder for submission of stock, book debts statements for Cash Credit/Overdraft Limit Rs. 100/-
Inspection of Stock/Book Debts/Factory Plant & machinery/Vehicle, etc upto 5 Lakhs Rs. 100/- + actual expense
5 lakhs to 10 Lakhs Rs. 200/- + actual expense
10 lakhs to 25 Lakhs Rs. 300/- + actual expense
25 lakhs to 50 Lakhs Rs. 500/- + actual expense
50 lakhs to 100 Lakhs Rs. 1000/- + actual expense
above 100 Lakhs Rs. 2000/- + actual expense
Non-utilisation of Cash Credit / Overdraft Limits
Utilisation below 75% 0.50% p.a. of unutilised amount
Utilisation below 50% 1.00% p.a. of unutilised amount
Utilisation below 25% 2.00% p.a. of unutilised amount
Panel Advocate’s Charges
Title and Search Report for Properties in Palghar District Rs. 3500/-
Title and Search Report for Properties other than Palghar District Rs. 5500/-
Drafting of Mortgage Documents Rs. 1000/-
Verification of Originality of Documents Rs. 500/- + actual expenses incurred for obtaining certified copy/s from Sub-Registrar
Vetting of Documents above 25 lakhs upto 100 lakhs – Rs. 1000/-
above 100 lakhs – Rs. 2000/-
Valuation Charges
For Residential Property For Loan upto 25 lakhs – Rs. 1500/-
For Loan above 25 lakhs – Rs. 2500/-
For Commercial Property / Machinery /Vehicle Rs. 5500/-
Stock Charges
For Loan upto 50 lakhs Rs. 3000/-
Above 50 lakhs upto 100 lakhs Rs. 4000/-
above 600 lakhs Rs. 5000/-
Gold Valuer’s Charges 0.20% of value certified based on our Card rate on the valuation date (Minimum Rs. 100/- Maximum Rs.500/-
Encashment of NSCs Minimum Rs. 50/- + actual charges
Discount of Documentary Supply Bills and Cheques Rs.10/- per thousand (Minimum Rs. 50/-)
Non Display of Banks Name Baord Rs.500/-
Notice Charges
1st Notice to Borrower/Guarantor Rs. 100/-
2nd Notice to Borrower/Guarantor Rs. 200/-
101 Notice Rs. 300/- + actual expenses
Legal Proceedings Rs. 500/- + Advocate fees + postage + other expenses
Notice for Salary Attachment under execution of Recovery Certificate Rs. 500/-
Charges for Acting as custodian to the vehicle seized by the bank for recovery in Borrower’s Account
For 2 Wheelers Rs. 50/- per day (Maximum 1000/- per month)
For 3 Wheelers Rs. 100/- per day (Maximum 2000/- per month)
For 4 Wheelers & all other vehicles Rs. 250/- per day (Maximum 10000/- per month)
Sale of Pledge/Hypothecated Assets Under Recovery
Gold Loans Rs. 500/-
Other Loans Rs. 1000/-
Symbolic / Physical Attachment Charges Rs.5000/- + actual expenses
No Dues Certificate Apart From Account Closed Certificates Rs.100/- per event
Visiting Charges Rs.100/- per visit + actual expense
Other Charges
Signature Attestion Rs. 100/- per verification
Photo Attestion Rs. 100/- per verification
Duplicate Passbook Charges Rs. 50/-
Duplicate Statement Charges Rs. 50/- per page
Issue of Duplicate Receipt (Indemnity bond with proper stamp duty is to be obtained) Rs. 100/- per receipt
Changes in operational instructions (in all deposit accounts) Rs. 100/- per occasion
Duplicate Balance Certificate Rs. 50/- per certificate
Duplicate Interest Certificate Rs. 50/- per certificate
Loss of Token Rs. 100/- per token
Standing Instructions for transfer of funds within bank NIL