| BANK CHARGES FY 2025-26 | ||
| SR.NO | PARTICULARS | AMOUNT |
| 1 | MEMBER FORM(GREEN) | Rs.50 + GST |
| 2 | MEMBER ENTRANCE FEE | Rs.100 + GST |
| 3 | SHARE TRANSFER FEE(PER SHARE 25) | Rs.1 + GST |
| 4 | MEMBER I-CARD FEE | Rs.50 + GST |
| 5 | DUPLICATE MEMBER I-CARD FEE | Rs.50 + GST |
| 6 | NOMINAL MEMBER FORM(GREEN) | Rs.50 + GST |
| 7 | NOMINAL MEMBER FEE | Rs.100 + GST |
| 8 | DUPLICATE PASSBOOK- SAVING, RECURRING, LOAN etc. | Rs.100 + GST |
| 9 | CHEQUE BOOK CHARGES | |
| A | CTS 2010 CHEQUE BOOK SAVING ACCOUNT | 60 + GST 15 Pages |
| B | CTS 2010 CHEQUE BOOK CURRENT ACCOUNT / CASH CREDIT ACCOUNT | 120 + GST 30 Pages |
| 10 | SMS CHARGES | |
| SMS CHARGES | 0.20 paisa + GST Per SMS at actual count basis Quarterly basis | |
| 11 | ATM CARD | |
| A | 1.RUPAY ATM Debit Card Form fee | NIL |
| B | 2.YEARLY CHARGES | 100 + GST |
| C | 3.DUPLICATE CARD CHARGES | 200 + GST |
| D | 4 NEW PIN NUMBER | NIL |
| DUPLICATE PIN NUMBER ISSUE | NIL | |
| E | 5.FOR CHANGES IN OPERATION AUTHORITY | 100 + GST |
| F | 6. ATM Card destroy charges due to non collection | NIL |
| G | 7.EXTRA CARD CHARGES (FOR JOINT A/C HOLDER) EACH CARD | 100 + GST |
| H | 8.EVERY MONTH FIRST 5 TRANSACTIONS(FINANCIAL / NON FINANCIAL BOTH) | NIL |
| I | 9.AFTER THIS FOR EACH FINANCIAL TRANSACTION | Rs.19 + GST |
| J | 10.AFTER THIS FOR EACH NON FINANCIAL TRANSACTION | Rs.7 + GST |
| 12 | CHEQUE RETURN CHARGES | |
| 1] INWARD CHEQUE RETURN CHARGES | Rs.250 + GST | |
| 2] OUTWARD CHEQUE DISHOUNOUR CHARGES | Rs.200 + GST | |
| 3] CHEQUE RETURN CHARGES FOR FINANCE COMPANY | Rs.265 + GST | |
| 4] ECS RETURN CHARGES (PER ECS) | Rs.265 + GST | |
| 5] OUTWARD ECS RETURN CHARGES(PER ECS) | Rs.265 + GST | |
| 6] STOP PAYMENT OF ECS | ||
| 13 | CHEQUE STOP PAYMENT CHARGES | |
| A | Saving (EXCEPT LOST CHEQUE) PER CHEQUE | Rs.100 + GST |
| B | current (EXCEPT LOST CHEQUE) PER CHEQUE | Rs.100 + GST |
| 14 | SIGNATURE VERIFICATION/ACCEPTANCE OF NEW ECS | Rs.150 + GST |
| 15 | MINIMUM BALANCE CHARGES | |
| A | 1.SAVING ACCOUNT | A charge of Rs. 25 will be levied on praportionate basis per quarter on the difference between the minimum required balance and the actual daily balance. |
| B | 2. CURRENT ACCOUNT | A charge of Rs. 50 will be levied on praportionate basis per quarter on the difference between the minimum required balance and the actual daily balance. |
| 16 | IMPS CHARGES | |
| A | Rs. 1,000/- To Rs. 50,000/- | Rs.10 + GST |
| B | Rs. 50,000/- To Rs. 1 To 2 Lakh | Rs.20 + GST |
| C | ABOVE 2 Lakh to 5 lakh (This Limit is stop by IT for security ) | NA |
| 17 | NEFT CHARGES | |
| A | 1. upto Rs.10000/- | Rs.5 +GST |
| B | 2.above 10000/- to 1,00,000/- | Rs.10+GST |
| C | 3.Above 1,00,000/- to 2,00,000/- | Rs.15+GST |
| D | 4.Above 2,00,000/- to 5,00,000/- | Rs.20 +GST |
| E | 5.Above 5,00,000/- only for (HDFC to HDFC bank account transfer) | Rs.25+GST |
| 18 | RTGS | |
| A | 1.Above 2,00,000/- to 5,00,000/- | Rs.25+GST |
| B | 2.Above 5,00,000/- | Rs.50+GST |
| 19 | CASH HANDLING CHARGES | |
| A | 1.Saving A/C Cash Deposit Home Branch (As per customer Account ) | Rs 5 will be charged for each packet of 100 notes exceeding 5 packets of any denomination. |
| B | 2.Current A/c Cash Deposit Home Branch (As per customer Account) | Rs 5 will be charged for each packet of 100 notes exceeding 5 packets of any denomination. |
| C | ABB 1.Saving A/c Cash Deposit (As per customer Account ) | Rs 5 will be charged for each packet of 100 notes exceeding 5 packets of any denomination. |
| D | ABB 2.Current A/c Cash Deposit (As per customer account ) | Rs 5 will be charged for each packet of 100 notes exceeding 5 packets of any denomination. |
| F | Service Charges for exchange of Soiled/Imperfect Notes | More than 20 pieces- ₹ 2/- per piece on entire tender |
| 20 | CLOSER OF ACCOUNT | |
| A - Savings Account | (i) Within 1 month – Rs. 200 +GST (ii) 1 month to 6 months Rs.150+ GST , (iii) 6 months to 12 months Rs.100 +GST | |
| B -Student Savings Account | NIL | |
| C.Basic Saving Account | NIL | |
| D - Current Account | (i) Within 1 month – Rs. 500 +GST (ii) 1 month to 6 months Rs.300+ GST , (iii) 6 months to 12 months Rs.200 +GST | |
| E.Daily /Manthly Recurring Account | 1 day to 12 months Rs.50+ GST | |
| 21 | OUTWORDS BILL | |
| A | 1] OUTWORDS BILL COMMISION(O.B.C) (PER 1 THOUSAND) | 7 + GST per thousand |
| B | 2] OTHER BANK COMMISSION /POSTAGE CHARGES/ MINIMUM COMMISSON ON POSTAGE | Rs.150/- (+) Rs.50/- Postage (+) Other Bank Commission |
| C | 3] COMMISSION + POSTAGE CHARGES | Rs.150/- (+) Rs.50/- Postage (+) Other Bank Commission |
| D | DUPLICATE FD RECEIPT ON STAMP PAPER OF CHARGES | |
| Duplicate Deposit Receipt with normal proceduer As per Stamp Paper(indemnity bond) | 100 + GST | |
| 22 | DEMAND DRAFT / PAY ORDER | |
| a) | Upto Rs 10,000 | Minimum Rs. 50 +GST |
| b) | Above 10000 and upto Rs 1 lakh | Per thousand Rs. 3+GST |
| C) | Above 1 lakh and upto Rs 10 lakh | Per thousand Rs. 3+GST |
| D) | Above 10 lakh | Maximum Rs. 4000/- |
| E) | DUPLICATE DEMAND DRAFT/PAY ORDER/CANCELLATION CHARGES | Rs.50 + GST |
| F) | CANCELLATION OF DEMAND DRAFT/PA ORDER (PER HEAD) | Rs.50 + GST |
| 23 | DUPLICATE CERTIFICATE -REGISTRATION ON LIEN/RELEASE OF LIEN | Rs.100 + GST |
| 24 | LOCKER RENT(MINIMUM 3 YEARS ADVANCE RENT/PER YEAR + SERVICE TAX | |
| A | 1.SMALL LOCKER | Rs.800 + GST |
| B | 2.MEDIUM LOCKER | Rs.1000 + GST |
| C | 3.BIG LOCKER | Rs.2500 + GST |
| D | 4.Loss of Locker Keys /Break Open | Rs.1000/- + At Actual break open expences |
| E | 5.Locker Operating Charges | NIL |
| F | 6.Locker Rent overdue charges | Per month and part thereof 2% of Locker Rent |
| 25 | ALL TYPES OF LOAN FORM WITH OFFICE FILE | Rs.100+ GST |
| 26 | NOTICE TO DEFAULTER BORROWER | |
| A | 1] LETTER EXPENCES | Rs.50 + GST |
| B | 2] SPEED POST EXPENCES | Rs.150 + GST |
| C | 3] REGISTER AD EXPENCE | Rs.150 + GST |
| D | 4] DEMAND NOTICE EXPENCE | Rs.150 + GST |
| E | 5] ATTACHMENT NOTICE EXPENCE | Rs.150 + GST |
| 27 | NO OBJECTION CERTIFICATE (EXCEPT NO DUES CERTIFICATE | |
| NO OBJECTION CERTIFICATE (EXCEPT NO DUES CERTIFICATE) | 100+ GST | |
| 28 | COMMISSION ON BANK GUARENTY | |
| COMMISSION ON BANK GUARENTY (MINIMUM CHARGES FOR PER 1YEAR PER 1 LAKH) | 150 + GST | |
| 29 | CIBIL CHARGES | |
| A | 1. FOR CONSUMER REPORT - Individual CIBIL Report | Rs.200 + GST |
| B | 2. FOR COMMERCIAL REPORT - Commercial CIBIL Report | Rs.2000 + GST |
| 30 | LOAN SANCTION VISIT FEE FOR | |
| A | 1. UPTO Rs. 5,00,000/- | Rs.500 + GST |
| B | 2. Rs. 5,00,001 To 10,00 000/- | Rs.1000 + GST |
| C | 3. Rs. 10,00,001 To 25,00,000/- | Rs.1500 + GST |
| D | 4. Rs. 25,00,001 To 50,00,000/- | Rs.1750 + GST |
| E | 5. Rs. 50,00,001 TO 1,00,00,000/- | Rs.2000 + GST |
| F | 6. RS- RS 1,00,00,000/- ABOVE | Rs.2500 + GST |
| 31 | RESANCTION OF LOAN | |
| A | 1.UPTO RS 5,00,000/- | Rs.435 + GST |
| B | 2.ABOVE RS 5,00,000/- | Rs.900 + GST |
| 32 | Cancellation Charges of Loan Form (Before Loan Sanction) | Rs.100 + GST |
| 33 | Cancellation Charges of Loan Form (After Loan Sanction) | Rs.300 +GST |
| 34 | RELEASE DEED CHARGES (EVERY TIME) | Rs.175 + GST |
| 35 | DUPLICATE GOLD LOAN RECEIPT ON STAMP PAPER OF CHARGES | Rs.100 + GST |
| 36 | LOAN RECOVERY CHARGES (Travaling Cahrges) | |
| A | 1.Up TO 10 KM | Rs.500+ GST |
| B | 2. From 10 Km onwards up to 20 Km | Rs.700+GST |
| C | 3. From 20 Km onwards up to100 Km | Rs.1000+GST |
| D | 4. From 100 Km onwards up to150 Km | Rs.2000 + GST |
| E | 5. From 150 Km onwards up to200 Km | Rs.3000 + GST |
| F | 5. From 200 km onwards | Rs.4000 + GST |
| G | 6.ACQUISITION OF VEHICLE (EXCEPT JCB) | Rs.650 + GST |
| H | 7 .ACQUISITION OF JCB MACHIN | Rs.4500 + GST |
| I | 8. ACQUISITION OF MACHINERY/POKLAND BREAKER | Rs.700+ GST |
| J | 9. RENT OF ACQUIRED OF LMV FOR RECOVERY | Rs.300 + GST |
| K | 10 .FOR HEAVY VEHICLE , MACHINARY PER DAY | Rs.700 + GST |
| 37 | Custody Charges of Securities/ Documents/ Title Deeds Mortgaged | |
| Custody charges of securities/ documents/ title deeds mortgaged with Bank not collected within 30 days from closure of advance | For Gold - Rs 500/- per month or part thereof For Other Security Documents -Rs.500/- per month Or Minimum Rs.1000/- | |
| 38 | Commitment Charges for Cash Credit /Overdraft Account | |
| Commitment charges for Overdraft a/c other than secured against Tangible securities enjoying limit above Rs. 50 lakh | 2% p.a. on unutilized portion of Cash Credit /overdraft, will be levied excluding GST, where the average quarterly utilization is below 75% of sanctioned limits | |
| 39 | Nach Mandate | Rs.100/- + GST |
| 40 | Solvency Certificate for Non-Borrowers | |
| A | Savings a/c | Minimum Rs 1000/-, otherwise Rs 250/- per lac or part thereof subject to maximum of Rs 50,000/-+GST |
| B | Current a/c / RERA Regular | |
| 41 | Solvency certificate for Education loan Purpose | |
| A | Savings a/c - | Minimum Rs 500/-, otherwise Rs 150/- per lac or part thereof subject to maximum of Rs 25,000/-+GST |
| B | Current a/c/ Cash credit /Overdraft a/c | |
| 42 | CERSAI CHARGES | |
| A | Charge creation (Property Loan) | Below 5 lakh Rs.100+ GST, Aboce 5 lakh Rs. 200 +GST |
| B | Charge modification (Property Loan) | |
| C | Charge creation (Hypothecation Commercial) | |
| D | Charge modification (Hypothecation Commercial) | |
| E | Charge creation (Hypothecation Retail) | |
| F | Charge modification (Hypothecation Retail) | |
| 43 | POSTAGE CHARGES | |
| A | Genral Simple Post card / Reg.AD | AT Actual |
| B | 1 st Notice | Rs.100/- + GST |
| C | 2 nd Notice | Rs.100/- + GST |
| D | 3 rd Notice | Rs.100/- + GST |
| E | Issuance of Final Recall Notice | Rs.100/- + GST |
| F | Issuance of SARFAESI Notice | Rs.100/- + GST |
| 44 | Old Record of Account | |
| A | Before 3 years. | Rs.200 +GST |
| B | 5 Years to 7 Years | Rs.300+ GST |
| C | 8 Years to 10 Years | Rs.1000+GST |
| 45 | LOST TOKAN | |
| Token Lost by customer | Rs.200+ GST | |
| 46 | STATEMENT CHARGES | |
| 1.Savings a/c | Per Page Rs.15/- +Gst | |
| 2.Current a/c/ Cash credit /Overdraft a/c | Per Page Rs.15/- +Gst | |
| 47 | ACCOUNT OPEN | |
| A | 1.Savings a/c Without Cheque Book | Rs.200/- |
| B | 2.Savings a/c With Cheque Book + ATM facility | Rs.500 /- |
| C | 3.Current a/c | Rs.1000/- |
| 48 | GOLD LOAN VALUER CHARGES | |
| A | Gold Loan Up to 1 Lakh | Rs.300/- |
| B | Gold Loan above 1 Lakh | 0.20% AS PER CARD RATES |
| C | Renewal of Gold Laon As it is | Rs.300/- |
| D | If gold loan is renewal by adding gold or withdrwal gold ornaments,charges is applicable as per new gold loan. | 0.20% AS PER CARD RATES |
