Service Charges

General Operational Charges
Particulars Charges (GST is levied 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
Minimum Balance charges
Current Accounts
Existing Regular Current Accounts For non-maintenance of QAB Balance of Rs. 5000/-:= Penalty of Rs. 150 /- per Quarter.
Special Current Accounts For non-maintenance of QAB Balance of Rs. 10000/-:= Penalty of Rs. 300 /- per Quarter.
Privilege Current Accounts For non-maintenance of QAB Balance of Rs. 50000/-:= Penalty of Rs. 500 /- per Quarter.
Premium Current Accounts For non-maintenance of QAB Balance of Rs. 150000/-: Penalty of Rs. 1000 /- per Quarter.
Saving Accounts
Regular Saving Accounts For non-maintenance of QAB Balance of Rs. 1000/-:= Penalty of Rs. 3 per cheque shall be debited to the account from the following quarter.
Special Saving Accounts For non-maintenance of QAB Balance of Rs. 5000/-:= Penalty of Rs. 25 /- per Quarter.
Privilege Saving Accounts For non-maintenance of QAB Balance of Rs. 20000/-:= Penalty of Rs. 50 /- per Quarter.
Premium Saving Accounts For non-maintenance of QAB Balance of Rs. 50000/-: Penalty of Rs. 100 /- per Quarter.
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
Other Bank Draft
(1) HDFC Bank Upto Rs. 49999/- : Rs. 20/- , Rs. 50000/- & above : RS. 30/-
(2) 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
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)
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/-
Cash service charges(for Cash credit & OD) cash deposited exceeds daily Rs. 1.5 Lac : Rs. 10 + GST per packet (more than or equal to 50 notes is consider as full packet). (Aggregate monthly cash deposit limit - Rs. 30 Lacs)
Regular Saving Accounts (10102) cash deposited exceeds daily Rs. 25000 : Rs. 10 + GST per packet (more than or equal to 50 notes is consider as full packet). (Aggregate monthly cash deposit limit - Rs. 1 Lac)
Special Saving Accounts (10107) cash deposited exceeds daily Rs. 50000 : Rs. 10 + GST per packet (more than or equal to 50 notes is consider as full packet). (Aggregate monthly cash deposit limit - Rs. 2 Lacs)
Privilege Saving Accounts (10103) cash deposited exceeds daily Rs. 1 Lac : Rs. 10 + GST per packet (more than or equal to 50 notes is consider as full packet). (Aggregate monthly cash deposit limit - Rs. 4 Lacs)
Premium Saving Accounts (10104) cash deposited exceeds daily Rs. 2 Lacs : Rs. 10 + GST per packet (more than or equal to 50 notes is consider as full packet). (Aggregate monthly cash deposit limit - Rs. 8 Lacs)
Regular Current Accounts (20101) cash deposited exceeds daily Rs. 50000 : Rs. 10 + GST per packet (more than or equal to 50 notes is consider as full packet). (Aggregate monthly cash deposit limit - Rs. 10 Lacs)
Special Current Accounts (20102) cash deposited exceeds daily Rs. 1.5 Lac : Rs. 10 + GST per packet (more than or equal to 50 notes is consider as full packet). (Aggregate monthly cash deposit limit - Rs. 15 Lacs)
Privilege Current Accounts (20103) cash deposited exceeds daily Rs. 2 Lacs : Rs. 10 + GST per packet (more than or equal to 50 notes is consider as full packet). (Aggregate monthly cash deposit limit - Rs. 20 Lacs)
Premium Current Accounts (20104) cash deposited exceeds daily Rs. 5 Lacs : Rs. 10 + GST per packet (more than or equal to 50 notes is consider as full packet). (Aggregate monthly cash deposit limit - Rs. 30 Lacs)
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 chequesto 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)
Advances
New member entrance fees 100/-
Nominal Member fees 10/-
Processing charges Proposed charges
Working Capital = FB + NFB
Up to Rs 5.00 lacs Nil
Rs 5.01 lacs to Rs 10.00 lacs Rs. 1000
Rs 10.01 lacs to Rs 25.00 lacs Rs. 2500
Rs 25.01 lacs to Rs 100.00 lacs 0.10 % of loan amount
Rs 100.01 lacs to Rs 500.00 lacs 0.15% of loan amount
Above Rs 500.01 lacs 0.20% of loan amount
Maximum Rs 6.00 lacs
Renewal charges half of the above
Adhoc limit Processing fee Minimum Rs. 1000/- or 0.15% of adhoc limit amount whichever is lower. (proportionately for the period)
Processing charges Term Loan (Not applicable to retail loan products)
Up to Rs 5.00 lacs Nil
Rs 5.01 lacs to Rs 10.00 lacs Rs. 1000
Rs 10.01 lacs to Rs 25.00 lacs Rs. 2500
Rs 25.01 lacs to Rs 100.00 lacs 0.25% of loan amount
Rs 100.01 lacs to Rs 500.00 lacs 0.35% of loan amount
Above Rs 500.01 lacs 0.40% of loan amount
Maximum Rs 6.00 lacs
Total cap Rs 6.00 lacs for both WC + TL
Agreement charges (above Rs. 5 crore) Agreement- in principle letter issued for advances above Rs. 5 crore-fees of Rs. 5000/-be charged & the same amount be adjusted against processing charges if limit is sanctioned.
Prepayment Penalty 2% p.a. only on total outstanding amount of all the facilities in case of takeover of account by other bank/FI/NBFC for borrowers other than individual borrowers i.e. Sole proprietorship firm, partnership firm, LLP, Companies etc. The said condition will be applicable for all advances irrespective of amount.
(B) Housing Loans  
Process charges Upto Rs. 25.00 Lacs Loan = Processing fees Rs. 2500 + ST
Above Rs. 25.00 Lacs = 0.20% of the sanctioned amount + ST (Max. Rs. 7500 + ST)
(upto 30/06/2018 No processing charge on housing loan upto Rs. 25 Lacs)
Pre-payment charges Nil
(C ) Vehicle loans  
Process charges (Car Loan) Upto Rs. 5.00 Lacs Loan = Zero Processing fees
Above Rs. 5.00 Lacs to Rs. 10.00 Lacs = Rs. 1000 + GST
  More than Rs. 10 Lac  Rs. 1500 + GST
(D) Shares overdraft  
Process charges As above
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/-
(E) Education loans No Process Charge
LAP Processing Fee 0.40%
Advances against Govt. Security (Processing Fee) Upto 5 Lacs = NIL
Over 5 Lacs = 0.05% of the sanctioned amount (CC & Loan)
Modification in Sanction Terms & Conditions
Types of Modification in Sanctioned Terms & Conditions 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
International Business Banking Division
Export Document  
Collection / Negotiation / Purchase / Discounting  
Commission ( On Equivalent of INR ) 0.0500% on equivalent INR
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 From EEFC A/c  
Commission Rs. 500
Turn Over Tax As Applicable
GST As Applicable
Import Document ( Outside L/C )  
Document Handling Charges Rs. 250
Commission 0.075% (Min. 500/- & Max: 2500/-)
Swift Charge Rs. 750
Turn Over Tax As Applicable
GST As Applicable
Letter of Credit  
Issue Charges  
Commitment Charges (per Quarter) 0.25%
Usance Charges ( per month ) 0.10%
Swift Charges Rs. 2000
GST As Applicable
Amendment Charges  
Commission Rs. 1000
Swift Charges Rs. 1000
GST As Applicable
Payament Charges ( Realisation of Import Document under L/C )  
Commission 0.15%
Swift Charges Rs. 750.
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  
For Other than Export  
Commission ( On Equivalent of INR ) 0.75%
Min. Rs. 300
Max. Rs. 1500
Turn Over Tax As Applicable
GST As Applicable
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
Other Charges  
Any Certificate Issue Charges Rs. 100
GST As Applicable
Demat Charges
Account opening form NIL
Advance/Deposit With savings / current account
Account Maintenance Rs. 250/- p.a. * For BSDA accounts having holding valuation upto Rs. 50000/- :- No AMC is charged. * For BSDA accounts having holding valuation exceeding Rs. 50000/- and upto Rs. 2 lacs:- Rs. 100/- p.a. *For corporate accounts - Rs. 1000/-
Demat Rs. 3/- per certificate plus Rs. 25 per request *Rs. 25/-per request for conversion of MF units represented by SoA into demat form
Remat *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 + ST applicable per operation.
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