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FEES & CHARGES

BALANCE MAINTENANCE AND CREDIT LIMIT
  MIN BALANCE NON MAINTENANCE CHARGES CASH DEPOSIT LIMIT
TYPE OF ACCOUNTS QAB (Rs.) QAB NON MAINTENANCE CHARGES NO OF NOTES DEPOSITED MONTHLY CASH DEPOSIT(Rs.)
Regular Saving 1,000 Rs. 3/- Per Cheque 1000 1,00,000
Special Saving 5,000 Rs. 25/- Per Quarter 1500 2,00,000
Privileged Saving 20,000 Rs. 50/- Per Quarter 2000 4,00,000
Premium Saving 50,000 Rs. 100/- Per Quarter 3000 8,00,000
 
Regular Current 5,000 Rs. 150/- Per Quarter 5000 10,00,000
Special Current 10,000 Rs. 300/- Per Quarter 7500 15,00,000
Privileged Current 50,000 Rs. 500/- Per Quarter 10000 20,00,000
Premium Current 1,50,000 Rs. 1000/- Per Quarter 12500 30,00,000
Cash Credit/ All type OD (SBOD, SOD, FDOD etc.)     12500 30,00,000
  *If exceeding Monthly No. of Pieces OR Monthly Cash Limit (whichever is earlier) then charge will be levied
  *Charges per packet (i.e 100 pieces) More than or equal to 50 Notes is consider as full packet and charges will be Rs. 10 + GST.
GENERAL OPERATIONAL CHARGES
PARTICULARS CHARGES (GST IS LAVIED EXTRA AS APPLICABLE FROM TIME TO TIME)
Duplicate Passbook issuing charges Rs. 25/-
Cheque book issue charges (Saving Accounts) No Charge
Stop Payment charges for all types of a/cs No Charge
Chequebook issue charges for Current / Cash Credit / FDOD Rs. 3 /- per leaf
Half yearly Incidental charges(Current and cash credit Accounts) Rs. 10 /- per 40 entries with Min. Rs. 200 /- and Max. Rs. 750/- recovered half yearly
Duplicate Statement Rs. 10/- per page
Charge for failure of SI due to insufficient balances Rs. 25/- per occasion
Operation through POA mandate Rs. 100/- p.a. for cc/od/current accounts & Rs. 50/- p.a. for savings account
Change in POA mandate Rs. 100/- for cc/od/current accounts & Rs. 50/- for savings account
Demat linked Saving A/c-For Balance less than Rs. 2500/-) Rs. 50 /- per month
Dormant / Inoperative charge Saving A/c : Rs. 30/- per quarter Current A/c : Rs. 100 /- per quarter
Confidential Report charges Rs. 100/-
Payorder / Payslip charges / inter Draft Upto Rs. 49999/- : Rs. 20/- , Rs. 50000/- & above : Rs. 30/-
Inter Branch Draft / Payorder / Payslip Cancellation, Duplication, Revalidation Rs. 20/- per occasion
Signature Verification charges Rs. 25/-
Inward Cheque / ECS return charges Upto Rs. 50000/-: Rs. 100/- for SB & Rs. 125/- for others, above Rs. 50000/- & upto Rs. 1 lac: Rs. 200/-for SB & Rs. 250/- for others, above Rs. 1 lac & upto Rs. 2 lac: Rs. 250/-for SB & Rs. 300/- for others, above Rs. 2 lac & upto Rs.5 lac: Rs. 600/-for SB & Rs.700/- for others, above 5 lacs: Rs. 1000/-for SB & Rs.1500/- for others.
Balance & Other Certificate Issuing charges No charge
Outward cheque return charges(only for term loan) Upto Rs.1000/- Charge Rs. 100/-, above 1000 & upto 5000/- Charge Rs. 150/-, above 5000 & upto 25000/- Charge Rs. 300/-, above 25000/- Charge Rs. 750/-
Outward cheque return charges(for all types of accounts other than term loan) Upto Rs.10,000/- Charge Rs. 50/-, above 10,000 & upto 25,000/- Charge Rs. 100/-, above 25,000 & upto Rs. one lac Charge Rs. 150/-, above one lac and upto Rs. 5 lacs Charge Rs. 200/-, above 5 lacs charge Rs. 250/-
Account closed before 1 year For Saving A/c – Rs. 100/- , Current A/c – Rs. 200/-
ATM card surrendered / lost Rs. 100/-
Non-home branch transactions No charge
RTGS Charges
Inward remittance Nil
Outward remittance Rs. 2 lacs to Rs. 5 Lacs – Rs.25/- , Rs. 5 lacs & above – Rs. 50/-
NEFT Charges
Inward remittance NIL
Outward remittance Up to Rs.10,000/- Rs. 2.5/- , Above Rs.10,001/- to 1 lacs – Rs. 5/- , Above 1 lacs to 2 lacs Rs. 15/- , Above 2 lacs Rs. 25/- NEFT BY CASH Up to Rs. 10,000 /- Rs. 2.5/- , Above Rs. 10,001 /- to Rs. 1,00,000 – Rs. 5/-, above 1 lac & upto 2 lacs -Rs. 15/-, above 2 lacs – Rs.25/-
No RTGS/NEFT charge through E-Banking channel till 31/03/2019
Standing instruction No charge
Enquiry relating to old records/Transaction Inquiry (More than 3 Years) Min Rs. 150/- + GST for first page and for additional Pages Rs. 20/- + GST per Page. (Max. = Rs. 2000)
E-Tax payment No charge
Charges for unused cheques to be collected at the time of closure of current,CC, OD a/cs No charge
Recurring deposit (penalty for delay payment) 1.5% per month
ATM – Transaction decline due to insufficient balance Rs. 20 + GST
NACH mandate Rs. 50 + GST (one time mandate charge per mandate)
OTHER BANK DRAFT CHARGES :
HDFC Bank Upto Rs. 49999/- : Rs. 20/- , Rs. 50000/- & above : RS. 30/-
Nationalised Bank Upto Rs. 20000/- : Rs. 30/- Above Rs. 20000/- : 0.15% of amount of DD (Max. Rs. 5500/-)
Other Bank Draft Cancellation, Duplication, Revalidation Rs. 75/- Per Instruction
ADVANCES
SHARES OVERDRAFT
Solvency Certificate Upto Rs.50,000/- : Rs.250/-, Rs. 50,001 to 1 lac: Rs. 500/-, Above 1 lac to 5 lacs: 1000/-, Above 5 lacs to 10 lac: Rs. 1500/-, Above 10 lacs to 25 lac: Rs. 3000/-, Above 25 lacs to 1 crore: Rs. 5000/-, Above 1 crore to 3 crore: 7000/-, Above 3 crore to 5 crore: Rs. 10000/-, Above 5 crore: Rs. 15000/-
MODIFICATION IN SANCTION TERMS & CONDITIONS
ADVANCES TYPES LOAN AMOUNT
   
Change in supplier of machines/ Change in machines / Quotation Upto 100 Lacs : 500
Release of CC by ear making of Bank Guarantee limit Upto 100 Lacs : 250 ; Above 100 Lacs : 500
Release the earmarked EPC cum FBP/FBD limit Upto 100 Lacs :250 ; Above 100 Lacs : 500
Interchangeability from CC limit to FLC cum Buyer’s credit & Bank Guarantee Upto 100 Lacs : 500 ; Above 100 Lacs : 1000
Reduction in Bank Guarantee commission / LC Charges /Rate of Interest Upto 100 Lacs : 500 ; Above 100 Lacs : 1000
Change in Property/substitution of collateral security/Change in personal guarantee Upto 100 Lacs : 500 ; Above 100 Lacs : 1000
Extension of moratorium period /Rephasement of loan Upto 100 Lacs : 500 ; Above 100 Lacs : 1000
Waiver of condition to Raise Authorized / Paid up Capital and or Unsecured Loan/change in sanction term Upto 100 Lacs : 500 ; Above 100 Lacs : 1000
Ceding of charge Upto 100 Lacs : 500 ; Above 100 Lacs : 1000
Visit charge- all advance accounts except FDODs/advance against Govt. securities Limit upto Rs. 10 lacs: Rs. 250/-, above 10 lacs & upto Rs. 25 lacs: Rs. 500/-, above 25 lacs & upto Rs. 50 lacs: Rs. 750/-, above 50 lacs: Rs. 1000/- (For out station visit: Actual + TA+DA)
Late Stock / Book debt statement Limit upto Rs. 5 lacs: Rs. 300/-, above 5 lacs & upto Rs. 20 lacs: Rs. 400/-, above 20 lacs & upto Rs. 50 lacs: Rs. 600/-, above 50 lacs & upto Rs. 100 lacs: Rs. 750/-, above 100 lacs: Rs. 1000/-
NON FUND BASED LIMITS
Bank guarantee issued by KCCB : Financial Guarantee / Performance Guarantee If backed by bank’s F.Ds (100% margin), 1% p.a. , If less than 100% cash margin, 2% p.a., (one month’s commission subject to minimum Rs.250/-)
Bank guarantee issued by other bank: Financial Guarantee Performance Guarantee If backed by bank’s F.Ds (100% margin), 1% p.a. , If less than 100% cash margin, 2% p.a., (one month’s commission subject to minimum Rs.250/-)
Bank guarantee amendment charges (other than period & amount) Rs. 100/- per amendment
Bank guarantee extension charges As above, i.e. If backed by bank’s F.Ds (100% margin), 1% p.a. , If less than 100% cash margin, 2% p.a., (one month’s commission subject to minimum Rs.250/-)
L.C. issued by bank itself (inland LC commission)/ by other bank For 90 days, 1% of L.C. amount, 91-120 days -1.25% of L.C., 121-150 days- 1.50% of L.C., 151-180 days – 1.75% of L.C.
Charges of inland LC retirement issued by bank /other bank Nil
LC amendment charges Our bank : Rs. 1000/-, Other bank : other bank’s charges plus Rs. 1000/-
Extension period(including revolving L.C.) or amendment in amount For extension of period: 0.25% for each block 30 days, For amendment in amount: In case of increase in L.C. amount, charges will be levied on additional amount for the L.C. commission applicable as per block above, i.e. from 1% to 1.75%
Bills under L.C. documents sent for realisaiton 1000/- +200/-courier charges
Process charges for LC bills discounting 1000/- per bill
Outward bills for Collection For lodgement – No charge For Release- Up to Rs. 5000/- : charge of Rs. 25 /-, Up to Rs. 10000/- : charge of Rs. 50 /- , Up to Rs. 100000/- : charge of Rs. 100 /-, Above Rs. 100000/- :- Variable charge of Rs. 2 per Rs. 1000/- , Min. charge Rs. 201 and Max. charge Rs.500/- (including postage charges)
Inward bills for Collection For lodgement – No charge, For Release – Per Rs. 1000/- Rs.3 /- charge, Min. Charge Rs. 40/- and Max. Charge – Rs. 3500 /- (including postage charges)
FOREX OPERATIONAL CHARGES
INTERNATIONAL BUSINESS BANKING DIVISION
EXPORT DOCUMENT
Collection / Negotiation / Purchase / Discounting
Commission ( On Equivalent of INR )

0.05% (Min Rs.500 and Max Rs. 1500)

If submission of the Export Bills is more than -50- in the previous FY or such commitment for current FY is given, Maximum charges : Rs.1000

 Min. Rs. 500/-
Max. Rs. 1500/-
Courier Charges Rs. 1000
Turn Over Tax As Applicable
GST As Applicable
Realization of Document Sent on Collection
Turn Over Tax As Applicable
GST As Applicable
EEFC Account
Credit in EEFC A/c No Charge
Debit in EEFC A/c Rs. 500/-
Debit From EEFC A/c
Commission Rs. 500
Turn Over Tax As Applicable
GST As Applicable
Import Document ( Outside L/C )
Document Handling Charges NIL
Commission

0.075% (Mini.Rs.500  Max- 2500)

1) If Import Bills are more than -25- in the Previous F Y then Max.-Rs. 1500  

2) If Import Bills are more than -50- in the Previous F Y then Max.-Rs. 1000  

Swift Charge Rs. 750
Turn Over Tax As Applicable
GST As Applicable
Letter of Credit
Issue Charges  
Commitment Charges (per Quarter)

1. Sight LC 1.50%pa and Min.- Rs.1500/-

2. Usance LC: 1.75% p a.

Mini.-Rs. 1500/-

Usance Charges ( per month ) LC against 110% cash margin:50% of applicable charges
Swift Charges Rs. 1000
GST As Applicable
Amendment Charges
Commission Rs. 500
Swift Charges Rs. 500
GST As Applicable
Payament Charges ( Realisation of Import Document under L/C )
Commission NIL
Swift Charges NIL
Turn Over Tax As Applicable
GST As Applicable
Forward Contract Charges
Booking / Cancellation Charges Rs. 750
Turn Over Tax As Applicable
GST As Applicable
Early Delivery/Extension or Cancellation Rs. 500/- + SWAP charges + Cancellation charges if applicable
Foreign Inward Remittance
(1)For Other than Export
Commission ( On Equivalent of INR ) 0.075%
Min. Rs. 300
Max. Rs. 1500
Turn Over Tax As Applicable
GST As Applicable
(2) For Export Purpose
Commission Rs. 300
FIR Certificate Chg. Rs. 100
Turn Over Tax As Applicable
GST As Applicable
Foreign Outward Remittance ( Wire Transfer )
Commission Rs. 500
Swift Charge Rs. 500
Turn Over Tax As Applicable
GST As Applicable
Foreign Outward Remittance ( Draft )
Commission Rs. 500
Turn Over Tax As Applicable
GST As Applicable
Foreign Guarantee
Foreign Guarantee 1) 2.0%
2) BG against 110% cash margin:50% of applicable charges
Buyer’s Credit
Buyer’s Credit L+250BPS (Inclusive of Foreign Bank Interest+Swift Charges)
Other Charges
Any Certificate Issue Charges Rs. 100
AD transfer from other bank to our bank charges Rs 500/-
Advising of Foreign Export LC / Amendment Rs 500/-
Late bill submission/overdue Export Bills charges 1) If Export Bill is up to USD 50000/- – Rs 500/- per bill
2) If Export Bill is more than USD 50000/- – Rs 1000/- per bill
Extension of time for Bills per occasion Rs 500/-
Export Bills returned unpaid Rs 500/-
Certificate Charges for GR Waiver Rs 500/-
Certificate Charges for Consignment Export Rs 500/-
Penalty for non-submission of Bill of Entry Rs. 50/- per month per Bill
Write off of Export Bills 1) Export Bill up to USD 50000/- – Rs 1500/-
2) Export Bill more than USD 50000/- – Rs 2000/-
DEMAT CHARGES :
Account opening form NIL
Advance/Deposit With savings / current account
Account Maintenance
  • Saving Accounts : Rs. 250/- p.a.
  • BSDA Saving Accounts : Holding valuation exceeding Rs.50000/- to 2 Lacs will be charges Rs.100/- p.a.
  • For Corporate Accounts : Rs. 1000/- p.a.
Dematerialization
  • Rs.3/- per certificate + Rs.25/- per request for conversion of MF units represented by SoA into demat form
Re-materialization
  • Rs. 20/-for every hundred securities or part thereof or Rs. 20/- per certificate which ever is higher
  • Reconversion of MF units into SoA:- Rs. 20/- per instruction
Transaction (Debit) 20/- per transaction / redemption of MF
Pledge Creation 0.02% of the value of the transaction (Minimum Rs. 30/- & Maximum Rs. 25000/-)
Pledge Creation confirmation 0.02% of the value of the transaction (Minimum Rs. 30/- & Maximum Rs. 100/-)
Pledge Closure 0.02% of the value of the transaction (Minimum Rs. 30/- & Maximum Rs. 25000/-)
Pledge Closure confirmation 0.02% of the value of the transaction (Minimum Rs. 30/- & Maximum Rs. 100/-)
Pledge Invocation 0.02% of the value of the transaction (Minimum Rs. 30/- & Maximum Rs. 100/-)
Failed instruction charges 20/- per instruction
Other charges (1) Stationery charges Rs. 25/- p.a.(2)Slip stop transfer Rs.50/-per request (3) Modification of client detail Rs. 10/- per request (4) Late transaction charge Rs. 20/-per request (5) Rejection of DRF sent thru courier Rs.25/- (6) Non-periodic statement charges Rs.20/- per month (7) Securities lending / borrowing 0.02% of the value of transaction (Minimum Rs. 35/-)
LOCKER OPERATION CHARGES :
Locker operation 48 times free in a one year. Charges of Rs. 50 + GST applicable per operation.

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