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/-)