Ref: Board Resolution No. 10 dated 30-06-2021 & 9 dt- 28-10-2024

The existing various service charges wef 16-07-2021 on wards is as mentioned below.

I.    Processing charges (fresh loans): under EMR / Gehan
0.40% of loan amount with maximum of  Rs.10,000/- (Minimum Rs.1000/-)

(fresh loans) under CGB:-
0.10% of  loan amount with maximum of Rs.2000/-- (Minimum Rs.1000)

Renewal of existing limit (under EMR)
0.20% of loan amount with minimum Rs.1000/-  Maximum Rs.6500/-

Renewal of existing limit (under CGB) /Gehan
.05% of loan amount with maximum Rs.1000/-.  Minimum Rs.500/-

(In case of loan enhancement under Property Loan, OD, CC & SBC processing charges should be collected as per the rate for the enhanced amount only)

For yearly renewal of OD/CC/SBC (EMR, CGB & Gehan):-
0.05% of loan amount
Minimum Rs.500/-
Maximum Rs.2000/-

II.    Locker Rent
Small type            = Rs.  800/- per year
Medium Type      = Rs.  1200/- per year
Large Type           = Rs.1500/- per year  

III.    Break open of Lockers
Rs.750+ Actual locker breaking charges
(Collect the amount Rs.750/- under the head of ‘Miscellaneous’)

IV.    Key Deposit for Lockers
Small Type      =  Rs. 5000/-
Medium Type    =  Rs. 7500/-
Large Type    =  Rs. 10000/-

V.    Commission on demand draft :
Rs.2/- per 1000/- or part there of with minimum  of  Rs.25/-
     
VI.    Commission on duplicate draft
For all duplicate drafts     :  Rs.100/-
   
VII.    Stop payment request
Rs.100/- per cheque
(Collect the amount under the head ‘Commission’)

Note: such cheque, if presented, should be marked prominently across the face
‘STOPPED PAYMENT’

VIII.    Issue of  duplicate pass book:     
             For SB a/c/CA/RD etc.               =   Rs. 50/-
             For ML/OD/CC/SBC  etc.           =   Rs. 50/-
             (Collect the amount under the head ‘Commission’)

IX.    For closure of accounts within 6 months from the date of  opening:
SB a/c                               = Rs. 100/-
Current a/c                      = Rs. 500/-
After 6 months                = Nil
 ( Collect the amount under the head  “Commission”)

X.    Late fee on Recurring Deposits
Rs.2/- per  100/- per month or part of  a month
(Collect the amount under the head “Interest on Loans”)
   
XI.    Folio Charges
CA/OD/CC/SBC      =  Rs.50/- per folio or 40 entries

XII.    Forms (wef 11-11-2024)
For DL forms                                     = NIL
For other loans                                  = Rs.100/-
(For Porters loan, Santhwanam & Samriddhi loan Rs.50/- only)

Forms (while disbursing loans) (wef 11-11-2024)
All  loans                                           = Rs. 250/-


For Ledger printout of A/C statement: -      Rs. 10/- per page

 XIII.     Miscellaneous Charges            
Loan up to Rs. 1 Lakh                           =Rs. 200/-
Above 1 lakh to 5 lakh                          =Rs. 300/-
Above 5 Lakh to 10 lakh                        =Rs. 400/-
 Above 10 lakh                                      =Rs. 500/-

XIV.    Forms (for Gold Loan) (wef 11-11-2024)
For all Gold Loan                                   =Rs. 50/-

             
XV.    Insurance charges (for Gold Loan)
Up to 25000/-                                            =Rs. 50/-
25001 to 100000                                 =Rs. 80/-
Above 1 lakh                                                    =Rs. 100/-

XVI.    Cheque Collection Charges
Commission for all Non-CTS collection cheques:                       =Rs.100/- per instrument      

XVII.    Cheque returns charges:

A)- For Return of CTS Inward Clearing Cheques
        Upto Rs. 1,00,000/-                                        =Rs. 100/-
        Above Rs. 1,00,000/-                             =Rs.250/-

B)- For Return of CTS Outward Clearing Cheques                   =Rs.150/-
C)- For Return of Non CTS Inward Clearing Cheques             =Rs.150/-
D)- For Return of Non CTS Outward Clearing Cheques             =Rs.150/-

Notes:
1.    The cheque return charges for CTS inward & outward clearing will be debited from CTS clearing section.  
2.    Non CTS outward & Inward clearing cheque return charges should be adjusted from branches.  
3.    Commission should not be collected for CTS clearing.

XVIII.    Bank Guarantee (For  Existing Customers)
(Head office only)
    Fully secured by FDR                                                                   =Rs. 100/- + 2%  p.a
    Fully secured by FDR + Other tangible securities                  =Rs.100/+ 2.5 p.a

XIX.    Cheque Book Charges:
First Chequebook for SB, Nofrill SB, CA, OD, CC & SBC           =FREE
Additional Cheque book for SB & Nofrill SB                              =Rs. 25/- per book
Additional Cheque book for CA,OD,CC &SBC                            =Rs. 50/- per book
(should be debited from branches)

XX.    Commission for RTGS / NEFT
Rs. 1   to Rs.10,000     =Rs. 2.50
Rs.10,001 to Rs.1,00,000    =Rs. 5/-
Rs. 1,00,001 to Rs. 2,00,000    =Rs. 15/-
Rs. 2,00,001 to Rs. 5,00,000    =Rs. 25/-
Above Rs.5 lakh    =Rs. 50/-
(should be collected by branches)


XXI.    SMS Alert Charge:
Half Yearly charge                            =Rs. 25/- per account
(Will be debited from IT Cell)


XXII.    Mandate (MMS) Charge
Mandate creation                              =Rs. 50/-
Mandate Return                                 =Rs. 50/-
(Will be debited from IT Cell)

XXIII.    ATM / Debit Card charges:   (Will be debited from IT Cell)

FEES
Annual Fee    Rs.150/-
Additional Card (p.a)    Rs.150/-
PIN Replacement charge    Rs.30/-
Card Replacement fee    Rs.200/-

Daily Usage Limit
Cash Withdrawal Transaction Limit    Rs.30,000/-
Purchase Transaction Limit at  Merchant Establishment    Rs. 100000/-


XXIV.    Notice Charge & Court Cost
Collect Actual Charges

GST at applicable rates should be collected additionally with all charges