Service 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 (In case of Maintained QAB of Rs. 1000. )

Rs 3.00 per cheque book (In case of Non maintenance of QAB of Rs. 1000. )
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
Adhoc limit Processing fee Minimum Rs. 1000/- or 0.15% of adhoc limit amount whichever is lower. (proportionately for the period)
Minimum Balance charges
Current Accounts
Existing Regular Current A/c- For non-maintenance of QAB Balance of Rs 5000/-:= Panalty of Rs. 150/-
per Quarter
Special Current Accounts For non-maintenance of QAB Balance of RS. 10000/-:= Panalty of Rs. 300/- per Quarter
Privilege Current Accounts For non-maintenance of QAB Balance of RS. 50000/-:= Panalty of Rs. 500/- per Quarter
Premium Current Accounts For non-maintenance of QAB Balance of RS. 150000/-:= Panalty of Rs. 1000/- per Quarter
Saving Accounts
Regular Saving Accounts For non-maintenance of QAB Balance of RS. 1000/-:= Panalty of Rs. 3 per cheque book shall be debited to the account from the following quarter
Privilege Saving Accounts For non-maintenance of QAB Balance of RS. 20000/-:= Panalty of Rs. 50/- per quarter
Premium Saving Accounts For non-maintenance of QAB Balance of RS. 50000/-:= Panalty of Rs. 100/- per quarter
Special Saving Account For non-maintenance of QAB Balance of RS. 5000/-:= Panalty of Rs. 25/- 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 thatn 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(only for Cash credit Account except Current,FDOD) cash deposited exceeds Rs. 1.5 lacs: Rs. 10 + GST. per packet (more than or equal to 50 notes is consider as full packet)
Cash service charges((for FDOD,Unsecured cash credit) cash deposited exceeds Rs. 1.5 lacs: Rs. 10 + GST. per packet (more than or equal to 50 notes is consider as full packet)
Prvilege Saving Accounts (10103) Cash desposited exceeds Rs 1.00 Lac per day : Rs. 10 + GST. per packet (more than or equal to 50 notes is consider as full packet)
Premium Saving Accounts(10104) Cash desposited exceeds Rs 2.00 Lac per day : Rs. 10 + GST. per packet (more than or equal to 50 notes is consider as full packet)
Regular Current Accounts (20101) Cash deposited exceeds Rs. 50,000 per day : Rs. 10 + GST. per packet (more than or equal to 50 notes is consider as full packet)
Special Current Accounts (20102) Cash deposited exceeds Rs.1.5 Lac per day : Rs. 10 + GST. per packet (more than or equal to 50 notes is consider as full packet)
Privilege Current Accounts (20103) Cash desposited exceeds Rs 2.00 Lac per day : Rs. 10 + GST. per packet (more than or equal to 50 notes is consider as full packet)
Premium Current Accounts (20104) Cash desposited exceeds Rs 5.00 Lac per day : Rs. 10 + GST. per packet (more than or equal to 50 notes is consider as full packet)
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 + T/A + D/A will have to be added)
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/-
Account closed before 1 year For Saving A/c - Rs. 100/- , Current A/c - Rs. 200/-
ATM card surrendered / lost Rs. 100/-
ATM - Transaction Declined due to insufficient balance Rs. 20 + S.T as ATM charge
Non-home branch transactions No charge
NACH Mandate
NACH Mandate Rs. 50 + GST. as one time mandate charges per mandate
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 charge for RTGS/NEFT to account holders where fund transfer is through E-Banking channel.
The Kalupur Commercial Co-operative Bank has introduced e-Banking channel from 6th Feb 2017. To get maximum leverage of E-Banking facility, We propose following concession in charges to our customers for RTGS/NEFT charges done through E-Banking channel effective from 11/05/2017 to 31/03/2018
Standing instruction No charge
Enquiry relating to old records(more than 12 months old) Rs. 25/- per page, maximum Rs. 200/-
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
Advances
New member entrance fees 100/-
Nominal Member fees 10/-
Processing Charges Proposed Charges
Working Capital=FB+NFB
Term Loan(Not applicable to retail loan products)
Up to Rs 5.00 lacs Nil Nil
Rs 5.01 lacs to Rs 10.00 lacs Rs. 1000/- Rs. 1000/-
Rs 10.01 lacs to Rs 25.00 lacs Rs. 2500/- Rs. 2500/-
Rs 25.01 lacs to Rs 100.00 lacs 0.10% of loan amount 0.25% of loan amount
Rs 100.01 lacs to Rs 500.00 lacs 0.15% of loan amount 0.35% of loan amount
Above Rs 500.01 lacs 0.20% of loan amount 0.40% of loan amount
Maximum Rs 6.00 lacs
Renewal charges half of the above
Rs 6.00 lacs
Total cap Rs 6.00 lacs for both WC+TL
Subject to following notes :
  • No processing fee be levied on FDOD limit and LC discounting limit and education loan
  • For adhoc lomit 0.15% of sanctioned limit or minimum Rs 1000/- + S.Tax be levied on proportionate to the period
  • In case of renewal of cash credit limit 50% of above charge be levied
  • Processing fee should not be refunded even if the applicant does not avail the disbursement subsequently
  • Processing fee be refunded in case of rejection/non sanction of application
  • Service charge be levied in addition to above processing charge as prescribed by GOI from time to time
Commitment charges
Working capital
Nil
Term Loan Nil
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.
Commitment charges to be levied in case of non-utilisation / under utilisation of working capital limits for advance account with fund based working capital limits of Rs. 100 lacs and above Where average utilisation is upto 60% of the limit, no commitment charges to be recovered separately. Where average utilisation is below 60 % of the limit, commitment charges to be recovered 1% p.a. for unutilised portion. ( unutilised portion is the difference between the limit minus the actual average utilisation.
Prepayment charges on the o/s term loan amt (if term loan sanctioned exceeds Rs. 1 crore & loan is taken over by other bank) 2% will be applicable for the remaining/residual period of the term loan which it has run before payment. No prepayment charge from individual borrowers.
(B) Housing Loans
Process charges As above
Pre-payment charges Nil
(C ) Vehicle loans
Process charges As above
(D) Shares overdraft
Process charges As above
Solvency Certificate Upto Rs.50,000/- : Rs.250/-, Rs. 50,001 to 1 lac: Rs. 500/-, 1 lac to 5 lacs: 1000/-, 5 lacs to 10 lac: Rs. 1500/-, 10 lacs to 25 lac: Rs. 3000/-, 25 lacs to 1 crore: Rs. 5000/-, 1 crore to 3 crore: 7000/-, 3 crore to 5 crore: Rs. 10000/-, Above 5 crore: Rs. 15000/-
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, 90-120 days -1.25% of L.C., 120-150 days- 1.50% of L.C., 150-180 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
LAP Processing Fee
LAP Processing Fee 0.40% of Loan amount
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/-)
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 ) 0.72%, 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
Locker Operation charges
Locker operation 48 times free in a one year. Charges of Rs. 50 + ST applicable per operation.
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/-)
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