Revision of Service Charges – Deposit

S Particular Type (Existing Charges) Revised Charges

N s (w.e.f. 01.08.2020)
1 Non SB - Metro/Urban *MAB Rs 1500/- Metro & Urban : *MAB Rs 2,000/-
Maintenan Operativ Shortfall<=50% : Rs 20/- per month >=1,000 to < 2,000 Rs. 38/- per month
ce of e Shortfall>50% to 75% : Rs 30/- per month >=500 to < 1,000 Rs. 56/- per month
Minimum Shortfall>75%: Rs 40/- per month Rs. 0 to < 500 Rs. 75/- per month
Balance Semi Urban : *MAB Rs. 1,000/-
Semi Urban *MAB Rs 500/- >=500 to < 1,000 Rs. 25/- per month
Shortfall <=50% : Rs 15/- per month >=250 to < 500 Rs. 38/- per month
Shortfall>50% to 75% : Rs 20/- per month Rs. 0 to < 250 Rs. 50/- per month
Shortfall>75%: Rs 30/- per month Rural Branches: *MAB Rs 500/-
>=250 to < 500 Rs. 10/- per month
Rural *MAB Rs 500/- >=125to < 250 Rs. 15/- per month
Shortfall<=50%: Rs 5/- per month Rs. 0 to < 125 Rs. 20/- per month
Shortfall>50% to 75% : Rs 7.50/- per
month *MAB – Monthly Average Balance
Shortfall>75% Rs 10/-per month

CA - (No diff. between Individual and Non Metro / Urban / Semi urban : *MAB Rs. 5000/-
Operativ Individual)
e Charges: Rs. 800/- per month
Metro / Urban / Semi urban : *QAB Rs.
5000/- Rural : *MAB Rs 2500/-

Charges: Rs. 2500/-per quarter Charges :Rs. 175/- per month

Rural : *QAB Rs 2500/- : *MAB – Monthly Average Balance

Charges :Rs. 500/- per quarter
2 Duplicate SB Initial or continued passbook free. Initial or continued passbook free.
Passbook
/ Account Rs.100/- per duplicate Passbook with Rs.100/- per duplicate Passbook with latest
Statement latest balance plus Rs.50/- per group of balance plus Rs.75/- per group of 25 entries
30 entries or part thereof or part thereof
CA / CC First Statement : Free First Statement : Free

Duplicate account statement: Rs.100/- per Duplicate printed account statement: Rs.100/-
30 entries or part thereof per 25 entries or part thereof
5 Cheque Outward (Per Chq per occasion) Financial reason:Rs.500/- Per Chq upto
Return (Return Financial reason:upto 1Lakh: Rs. 300/- three cheque return in a month;
of above 1Lakh: Rs.500/- Thereafter, Rs.1000 per return in the same
cheques Technical/ Other reason: Rs. 150/- month for financial reasons
drawn Non-Financial reason attributable to drawer :
on our Rs. 150/- Per Chq per occasion
Bank)
Inward (Per Chq per occasion) Financial reason:
(Return Financial reason: Rs.500/- Per Chq
of upto 1Lakh: Rs. 300/-
cheques above 1Lakh: Rs.500/- Non-Financial reason attributable to drawer:
deposite Technical/ Other reason: Rs. 150/- Rs. 150/- Per Chq
d by our
custome
rs)
Page 1
 S Particular Type (Existing Charges) Revised Charges
N s (w.e.f. 01.08.2020)
6 Stop SB Rs.200/- per cheque. Rs.200/- per cheque.
Payment Max.Rs.1000/- per reference Max.Rs.1000/- per reference
(No Charges for Stop Transaction through
Digital Channels)
CA / CC Rs.300/- per cheque. Rs.300/- per cheque.
MaxRs.2000/- per reference Max.Rs.2000/- per reference
(No Charges for Stop Transaction through
Digital Channels)
7 Account CA / CC (Charges to be applied once in a year) CA -
Maintenan On the basis of Quarterly Average Balance
ce Rs.100/- per electronic page (30 entries) (QAB) in the previous quarter
Charges or part thereof
Below Rs 1,00,000 : Rs 200/- per quarter
2 Free pages for Avg. Cr. Bal. of Rs. >=1,00,000 to < 2,00,000 : Rs 150/- per
25,000 to Rs. 50,000/- quarter
>=2,00,000 to < 5,00,000 : Rs 100/- per
5 Free pages for Avg. Cr. Bal. of Rs. quarter
50,001 to Rs. 2,00,000/- >= Rs 5,00,000 : Free

Free for Avg. Cr. Bal. Above Rs. 2,00,000 For Newly opened Current a/c : Rs 150/- in
1st quarter or part thereof.
Business Correspondents- Account
Maintenance (Ledger Folio) charges not CC - Rs 150/- per quarter
applicable to BCAs.
Business Correspondents- Account
Maintenance charges not applicable to BCAs
& Govt. accounts.

8 CBS Cash NIL Free - 3 Cash Deposit Transactions per

Transactio Deposit (Cash handling extra) month (excluding Alternate channel
ns : SB transactions)
Account
After 3 free transactions in a month : Rs
100/- per transaction.

To be applied at the time of Cash Deposit

(Cash handling charges extra)

Excluding : BSBDA/FI/PMJDY accounts.

Page 2
S Particular Type (Existing Charges) Revised Charges
N s (w.e.f. 01.08.2020)
Cash FREE Free - 3 Cash Withdrawal Transactions in
Withdra Payment of Chq at Non-Home branch, a month in both home & non-home branch
wal : SB cash payment only against self-drawn put together (excluding Alternate channel
& CA / cheque. transactions)
CC Subject to cap of Rs. 50000/- per day.
After 3 free transactions in a month :
(At Rs 100/- per transaction.
home
and To be applied at the time of withdrawal
Non-
Home Payment of Chq at Non-Home branch, cash
branche payment only against self-drawn cheque.
s) Subject to cap of Rs. 50000/- per day.
Cash 1. For SB a/c holders: 1. For SB,CA, Mixi OD, CC Account
handling Free Holders:
2. For CA, Mixi OD A/c, CC:
Free for first 1000 pcs per day. Up to Rs. 1,00,000/- per day : FREE
From 1001 pcs onwards-Rs.25 per 100 For cash deposits above Rs. 1,00,000/- ,
pcs or part thereof. cash handling charges at Re. 1/- per Rs.
1,000/- or part thereof;
for two or more trnx in a day, charges With a minimum of Rs. 100/- per
shall be collected by taking cumulative transaction and a maximum of Rs.10,000/-
total of the cash deposited during the day per transaction.

3. No Charges for Loan / NPA / Write off For two or more trnx in a day, charges
recovery shall be collected by taking cumulative
total of the cash deposited during the day
4. Diamond Accounts: No charges on the amount in excess of Rs. 1 lakh.

2. Diamond Accounts: No charges

3. No Charges for Loan / NPA / Write off

recovery
9 SMS Alert Rs.15/- per Quarter SB - Rs 15/- per quarter
CA/CC - Rs 25/- per quarter
Following categories of customers are
exempted from SMS alert charges : Following categories of customers are
BSBDA/FI/PMJDY Customers, Staff exempted from SMS alert charges :
members (including ex-staff members) & BSBDA/FI/PMJDY Customers, Staff members
Pension Account Holders (including ex-staff members) & Pension
Account Holders
10 Reconstitu Nominat New Charge 1st registration of nomination : Free per
tion of ion account
Accounts (through Change in registered nomination : Rs 100/-
branch) per instance per account
Nomination re-registration (in case of
deceased nominee) : Nil
(Nil, if done through alternate channels)
Change Rs. 150/- per occasion 1st Occasion : Free
in email 2nd Occasion & thereon : Rs 150/- per
/ mobile instance
/address

Page 3
 S Particular Type (Existing Charges) Revised Charges
N s (w.e.f. 01.08.2020)
15 Gift Gift At Par Removed
Cheques Cheque
16 DD/MT/TT Rs.10,0 Rs. 5/- per thousand or part thereof Rs. 100/- per Instrument for DD / Pay
/PAY 01/- and Min.Rs.100/- Max. Rs.20000/- Order.
ORDER above
No charges are to be levied when issued No charges are to be levied when issued
directly in favor of suppliers/contractors as directly in favor of suppliers/contractors as
part of disbursement of loan amount. part of disbursement of loan amount.

Additional Charges for handling cash: MT / TT Removed.

50% over & above normal charges for all.
(acceptance of cash of Rs.50,000/ &
above not permitted)
Cancell Up to Rs. 1000/- : Rs.100/- Up to Rs. 500/- : Free
ation Abv Rs 1000/- : Rs 150/- Abv Rs 500/- : Rs 150/- per instrument
18 Remittanc As applicable to remittances As applicable to NEFT / RTGS
e of Term (Remittance allowed only through NEFT
Deposit /RTGS)
on
Maturity to
other
Bank
19 Call Issuanc Rs. 50/- per receipt Removed.
Deposit e of
receipt
20 Standing Registra Rs 100/- NIL
Instruction tion
s Non- Rs 150/- Rs 200/-
Executio (If Credit account is a Loan / CC Account (If Credit account is Deposits Account : Free)
n Deposits Account : Free)
22 ECS Debit Non- Technical/ Other reason: Rs. 150/- Removed.
Executio
n
24 Outward Up to Digital Mode: FREE
NEFT Rs
(Inward: 10000/-
FREE) Rs. Digital Mode:
10001 Rs 2/- per txn Free through Digital Channels
For to 1
Current Lakh
Accounts Above Digital Mode:
Rs 1 Rs 3/- per txn
Lakh to
2 Lakh
Above 2 Digital Mode:
Lakh Rs 5/- per txn

Page 4
 S Particular Type (Existing Charges) Revised Charges
N s (w.e.f. 01.08.2020)
27 Closure of SB Saving accounts-Up to 14 days from Saving accounts-Up to 14 days from account
Account account opening date: NIL ( asper BCSBI opening date: NIL ( asper BCSBI CODE)
CODE)
If closed within 15 days to 1 year- Rs 500/-
If closed within 15 days to 1 year- Rs
200/- (other than Royal and Purple)
Rs. 500 for non-individual accounts
(other than Royal and Purple)
Rs. 500 for non-individual accounts
30 Debit Annual 1. General Public 1st year Free 1. General Public 1st year Free
Card Maint. Rs. 100 from second year onwards Rs. 200 from second year onwards

2. Staff/Royal/Purple/MKCC/Customer 2. Staff/Ex- Staff/BSBD/Pension/Yuva/Royal/

maintaining average quarterly/monthly Purple/MKCC : Free
balance Rs 50,000/ in CA/SB: Free
31 ATM Cash at
Usage POS New introduction For SB & CA - Rs 10/- per withdrawal
withdra
wal
34 Locker A 1. Security Deposit: 1. Security Deposit:
Rs. 15000/- Rs. 12000/-
2. Rent:
Metro/Urban/SU: No change in Rent
Rs. 1800/-
Rural:
Rs. 1200/-
B 1. Security Deposit: 1. Security Deposit:
Rs. 15000/- Rs. 12000/-
2. Rent:
Metro/Urban/SU: No change in Rent
Rs. 2000/-
Rural:
Rs. 1200/-
C 1. Security Deposit: No change
Rs. 15000/-
2. Rent:
Metro/Urban/SU:
Rs. 3600/-
Rural:
Rs. 2400/-
D 1. Security Deposit: No change
Rs. 15000/-
2. Rent:
Metro/Urban/SU:
Rs. 3600/-
Rural:
Rs. 2400/-

Page 5
S Particular Type (Existing Charges) Revised Charges
N s (w.e.f. 01.08.2020)
E 1. Security Deposit: 1. Security Deposit:
Rs. 50000/- Rs. 25000/-
2. Rent:
Metro/Urban/SU: No change in Rent
Rs. 4000/-
Rural:
Rs. 2700/-
Locker H1 1. Security Deposit:Rs. 50000/- 1. Security Deposit:Rs. 25000/-
2. Rent:Metro/Urban/SU:Rs. 4000/-
Rural:Rs. 2700/- No change in Rent
F 1. Security Deposit: 1. Security Deposit:
Rs. 50000/- Rs. 25000/-
2. Rent:
Metro/Urban/SU: No change in Rent
Rs. 5000/-
Rural:
Rs. 4000/-
G 1. Security Deposit: 1. Security Deposit:
Rs. 50000/- Rs. 25000/-
2. Rent:
Metro/Urban/SU: No change in Rent
Rs. 5000/-
Rural:
Rs. 4000/-
H 1. Security Deposit: 1. Security Deposit:
Rs. 50000/- Rs. 25000/-
2. Rent:
Metro/Urban/SU: No change in Rent
Rs. 6000/-
Rural:
Rs. 5000/-
L 1. Security Deposit: No change
Rs. 50000/-
2. Rent:
Metro/Urban/SU:
Rs. 10000/-
Rural:
Rs. 8000/-
K 1. Security Deposit: No change
Rs. 50000/-
2. Rent:
Metro/Urban/SU:
Rs. 10000/-
Rural:
Rs. 8000/-
Staff 25 % in “A” type of lockers only. i) 25 % concession in locker rent in one
and Ex- The facility is for first locker only locker of any type.
staff ii) Security deposit for staff & ex-staff is
Conces applicable as per locker type.
sion The facility is for one locker in name of
staff & ex-staff only (incl. joint a/c).

Page 6
S Particular Type (Existing Charges) Revised Charges
N s (w.e.f. 01.08.2020)
Penalty 2% p.m. on the amount of locker arrears 3% p.m. on the amount of locker arrears
for Rent (also applicable for staff) (also applicable for staff & ex-staff)
in
Arrears
36 Instant Security New Product Metro/Urban Branch : Rs 7,500/-
Locker Deposit Semi Urban/Rural Branch : Rs 5000/-

In the form of term deposit for 6 months

period with auto renewal mandate.
Rent New Product 1-7 Days :
Categor Metro/Urban/Semi Urban/Rural - Rs 500/-
y-I 8-15 Days :
(A,B,C, Metro - Rs 700/-, Urban - Rs 600/-, Semi
D,E,H1) Urban/Rural - Rs 500/-
16-30 Days :
Metro - Rs 1200/-, Urban - Rs 800/-, Semi
Urban/Rural - Rs 600/-
31-60 Days :
Metro - Rs 1500/-, Urban - Rs 900/-, Semi
Urban/Rural - Rs 700/-
61-90 Days :
Metro - Rs 1800/-, Urban - Rs 1200/-, Semi
Urban/Rural - Rs 1000/-
Rent New Product 1-7 Days :
Categor Metro/Urban/Semi Urban/Rural - Rs 600/-
y - II 8-15 Days :
(F,G,H,L Metro - Rs 1000/-, Urban - Rs 700/-, Semi
,K) Urban/Rural - Rs 600/-
16-30 Days :
Metro - Rs 1500/-, Urban - Rs 1000/-, Semi
Urban/Rural - Rs 900/-
31-60 Days :
Metro - Rs 1700/-, Urban - Rs 1200/-, Semi
Urban/Rural - Rs 1100/-
61-90 Days :
Metro - Rs 2000/-, Urban - Rs 1500/-, Semi
Urban/Rural - Rs 1200/-
Visit New Product 6 free visit during the lease period.
Thereafter : Rs.100/- per visit
Loss of New Product Actual expenses incurred towards
Keys replacement of keys +
Rs 2000/- towards administrative cost

Staff New Product i) 25 % concession in locker rent in one

and Ex- locker of any type.
staff ii) Security deposit for staff & ex-staff is
Conces applicable as per locker type.
sion The facility is for one locker in name of
staff & ex-staff only (incl. joint a/c).

Page 7
 Revised Service Charges – Credit

SN Service Charge Present Charges Revised Charges (w.e.f. 01.08.2020)

5 Inspection / upto Rs 2.00 Lac- NIL 1. upto Rs 25000/- - NIL
Supervision Rs 2.00 lac to Rs 1.00 Cr. Above Rs 25000/- to Rs 2.00 Lac: Rs 150/- P.A.
Charges @0.0625% per quarter Above Rs 2.00 lac to Rs 1.00 Crore: @0.25% P.A.
Max Rs 10000 p.a. + cost of visit (Max Rs. 15000/-)
(on actual basis) Above Rs 1.00 Crore to Rs 25.00 Crore: @ 0.15%
Above Rs 1 cr: Rs 15000 p.a P.A.
+ cost of visit (on actual basis) (Max Rs 20000/-)
Above Rs. 25.00 Crore : Rs 25000/-
Charges to be levied on + (Cost of visit on Actual basis)
Working Capital: Total FB+NFB
Limits (Charges to be levied on :
Term Loan: Outstanding Balance Working Capital: Total FB+NFB Limits
Term Loan: Outstanding Balance )

2. Retail Loans - Housing, 4 wheeler Vehicle, LAP-

self occupied house & Education Loan:
Rs 200/- P.A.
(No charges on Education Loan upto Rs 4.00 Lakh).

3. No supervision / Inspection charges for other

retail loans like 2 wheeler vehicle, Personal,
Consumer, Gold, Solar and Aadhar loans.
6 Processing Fees 1. Credit Limits: 1. Same as earlier
A Working Capital upto Rs 25000/- - NIL
(Both Fund based Rs 25001 to Rs -1 Cr @0.35% p.a.
and Non fund Rs 1 Cr and above @ 0.35% p.a.
based facilities) (Min Rs 1000/-)
(Max for Priority Sector : Rs 35 lacs)
Max for exporters: Rs 17.50 lacs) For
other advances: No max limit
Annual fees for renewal :
Same as above

2. MSME Loans: 2. MSME Loans:

Upto Rs 5.00 Lacs: NIL Upto Rs 5.00 Lacs: NIL
Rs. 5 Lacs to Rs 20 Cr: 0.25% p.a. Above Rs. 5 Lacs @ 0.30% p.a.
Rs 20 Cr and above: as per external
credit rating (Existing guidelines)
No processing fees on Government
Sponsored schemes, against LAD No processing fees on Government Sponsored
and Agri Loans to small and marginal schemes, against LAD and Agri Loans to small and
farmers’ upto Rs 3 Lakhs. marginal farmers’ upto Rs 3 Lakhs.
For enhancement within one year: For enhancement within one year: No concession
No concession

Annual fees for renewal: Annual fees for renewal:

Upto Rs 5.00 Lacs: NIL Same as above
Rs. 5 Lacs to Rs 20 Cr: 0.30% p.a.
Rs 20 Cr and above: as per external
credit rating (Existing guidelines)

Page 8
SN Service Charge Present Charges Revised Charges (w.e.f. 01.08.2020)
B Processing Fees 1.10% of sanctioned amount Upto Rs 25.00 Cr @ 1.10% of Sanctioned amount
Term Loan Maximum Limit: Above Rs. 25.00 Cr to Rs. 100.00 Cr @ 0.90%
Priority sector: Rs 100 lacs Above Rs. 100.00 Cr @ 0.75%
Exporters: Rs 50 lacs
For other Advances: No maximum
limit MSME Loans :
upto Rs. 5 Lacs: NIL
MSME Loans: Above Rs 5 Lacs to Rs 25.00 Cr @ 1.00% of
upto Rs. 5 Lacs: NIL Sanctioned amount
above 5 Lacs: 1% Above Rs. 25.00 Cr to Rs. 100.00 Cr @ 0.80%
Additional Rs. 2000 to be recovered Above Rs. 100.00 Cr @ 0.70%
for sanctions from PSB portal Additional Rs. 2000 to be recovered for sanctions
(www.psbloansin59minutes.com) from PSB portal
(www.psbloansin59minutes.com)
25% of the applicable processing
fees upfront subject to maximum of 25% of the applicable processing fees upfront
Rs 10 lacs be recovered before subject to maximum of Rs 10 lacs be recovered
release of sanction letter (Non – before release of sanction letter (Non – refundable)
refundable)

Review: (on outstanding amount) Review: (on outstanding amount)

Upto 25 Lacs: NIL Upto Rs. 5.00 Lacs: NIL
Above 25 Lacs: 0.10% (Max 1 Lakh) Above Rs. 5 Lacs @ 0.10% (Max 2 Lakh)

D Processing Fees
Bill discounting NIL @0.01%
under LC Minimum of Rs. 500/-
Maximum of Rs. 50000/-

G Processing Fees LC/BG:

Adhoc Minimum for 1 quarter @ 0.15% per occasion
Interchangeability
(as applicable for working capital
(Btwn. FB & NFB)Limits.) (Min Rs. 1000/-per occasion)
Processing Fees Others: @150% of normal processing fee on prorata basis
H
Adhoc Working on Prorata basis min for 15 days & as per loan segment.
Capital as applicable for working capital
(EOD / STL) Limits (Min Rs. 1000/-per occasion)
(Min Rs. 1000/-per occasion)

Page 9
SN Service Charge Present Charges Revised Charges (w.e.f. 01.08.2020)
11 Bank Guarantees
Upto Rs 5 Cr: 2.5%p.a.(Min Rs 500/-
A. BG )
Commission : Abv Rs 5 Cr to Rs 10 Cr : 2% p.a. External Financial BG Non- Financial
Performance Above Rs 10 Cr: 1.75% p.a. Rating (Per Annum) BG (Per Annum)
Guarantee (on pro-rata basis subject to AAA & AA 1.5% 1.25%
minimum for one quarter) A 2.00% 1.75%
Commission is to be charges as per BBB 2.50% 2.00%
B. BG slab, in which total BG limit BB & Below 3.00% 2.25%
Commission : (sanctioned) to borrower entity falls. / unrated
Financial
Guarantee Upto Rs 5 Cr: 3%p.a. (Min Rs 500/-) Minimum – Rs 500/-
Abv Rs 5 Cr to Rs 10 Cr : 2.5% p.a.
Above Rs 10 Cr: 2% p.a. (on pro-rata basis subject to minimum for one
(on pro-rata basis subject to quarter).
minimum for one quarter)
Commission is to be charges as per
slab, in which total BG limit
(sanctioned) to borrower entity falls.
14 Documentation Upto Rs 2 lacs : NIL Upto Rs 25000/-: NIL
Charges Above Rs 2 lacs : 0.25% (Max Rs. Above Rs 25000/-: 0.25% (Max Rs. 50000/-)
50000/-)
19 Credit Individual (CIBIL and CRIF): Individual (CIBIL and CRIF):
Information Rs 50/- per instance / report Rs 100/- per instance / report
C Company (CIC) Non- Individual Non- Individual
Report Charges Rs 500/- for corporates and Rs 500/- Rs 1000/- for corporates and Rs 500/- for MSME
for MSME scoring scoring

A CERSAI Charges Rs 200/- per asset id (only at the time For creation and any subsequent modification of
of first creation) each movable/ immovable/ intangible secured asset
for loan
upto Rs. 5.00 Lac: Rs. 250/- per asset id
Abv Rs 5.00 Lac: Rs 500/- per asset id

Search of each security with CERSAI : Rs 50/- per

instance

Charge related to the attachment order passed by a

court or other authority under section (5) of section
26 B to CERSAI, which involves debit to NPA
account.
To be paid by debiting P/L Law charges : Rs 250/-
and to be recovered from borrower at the time of
closure / satisfaction of Loan.
22 Closure of Loan Incidental charges at the time of
closure of any Loan/ CC account Rs 150/-
B (other than LAD, Govt sponsored
Schemes and Staff Loans) : Rs 100/-

Page 10