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 alance of RS. 10000/-:= Panalty of Rs. 300/- per Quarter
Privilege Current Accounts For non-maintenance of QAB alance of RS. 150000/-:= Panalty of Rs. 1000/- per Quarter
Premium Current Accounts For non-maintenance of QAB alance of RS. 50000/-:= Panalty of Rs. 500/- 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 + ST. 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 + ST. 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 + ST. 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 + ST. 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 + ST. 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 + ST. 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 + ST. 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 + ST. 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 + ST. 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.
Kalupur 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 50/-
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
  • Branch to collect upfront 50% of total processing fee on receiving application
  • Remaining 50% fee be levied on sanction and first disbursement of advances
  • 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%
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