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 |