| 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 |
