| S No. | Year | Prize | Description | Organisation |
|---|---|---|---|---|
| 1 | 2010-11 | Overall Performance | Overall Performance | NAFSCOB, Mumbai |
| 2 | 2011-12 | State Award | NABARD | |
| 3 | 2011-12 | Best Performance | Best Performance Award (Ist Prize) | The Punjab State Cooperative Bank |
| 4 | 1982-83 | Certificate of Merit’ | Certificate of Merit’ | Rural Development Agnecy Ludhiana |
| 5 | 2014 | Participated in ‘Dairy & Agri Expo – 2014’ | Progressive Dairy Farmer’s Association Punjab at Ludhiana | |
| 6 | ISO 9001:2000 | ISO 9001:2000 | JAS-ANZ |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | ATM Charges | Annual ATM card charges ->1st year free ->2nd year – Rs.100/- + GST | Same Charges |
| 2 | ATM Financial Txn | ATM Aquirer (Financial Txn) charges, after 5 transactions – Rs.21/- per transaction + GST | Same Charges |
| 3 | ATM Non-Financial Txn | ATM Aquirer (Non Financial Txn) charges, after 5 transactions – Rs.6/- per transaction + GST | Same Charges |
| 4 | New ATM card issue charges | 1st ATM card is free | Same Charges |
| 5 | For reissue of ATM card – Rs.200/- | Same Charges | |
| 6 | SMS Charges | Rs. 15/- per Quarter | Same Charges |
| 7 | RTGS/NEFT charges | Upto Rs. 10000.00 – Rs. 2.50From Rs. 10001.00 to 1.00 lakh – Rs 5.00Above Rs. 1.00 lakh to 2.00 lakh – Rs. 15.00Above Rs. 2.00 lakh to Rs. 5.00 lakh – Rs. 25.00Above Rs. 5.00 lakh – Rs 50.00 |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Bank Guarantee against deposit | Rs.500/-Up to Rs.500000- 2% p.a.Above Rs. 500000 – 1% p.a.Charges to be levied at the time of issuing of guarantee | Same Charges |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Interest certificate/ Balance certificate | First copy- FreeSubsequent copy- Rs.50/-per copy | No charges |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Photo attestation charges | Rs.50/- for Saving AccountsRs.100/- for Current Accounts | No charges |
| 2 | Signatures verification charges | Rs.50/- for Saving AccountsRs.100/- for Current AccountsFree for- Students, Defence forces, War widows, Physically handicap & Signature attestation for ECS purpose | No charges |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Account closer charges before 6 Months | Rs 150.00 Saving accountRs 500.00 current account(on account of death of customers no charges should be levied) | No charges |
| 2 | Closing of RD A/c before maturity | Rs.100/-On account of death of customer no charges should be levied. | Same Charges |
| 3 | Penalty for late payment of RD installment | Penalty charges to be levied for delayed installments in Recurring Deposit Accounts @ Rs.2/- for Rs.100 p.m. irrespective of periodicity of deposit (Minimum Rs.20/-) | Same Charges |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Cash deposit in Current Account (except Govt./Coop. Institutions.) | Currentupto Rs. 1 lakh – FreeAbove 1 lakh -denomination upto Rs 100 – Rs 10 per packetdenomination above Rs 100 – Rs 8.00 per packet Max Rs 1000.00 |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Payments under CBS Other than parent branchCash Payment/Deposits under CBSOther than parent branch customers. | Upto Rs. 20000.00 free of costAbove Rs. 20000.00 upto Rs. 50000.00-Rs. 50.00 should be charged by the system, only for cash transaction. Max limit is Rs. 50000.00 and the payment above Rs. 20000.00 is to be made by cheque only. | No charges for staff in salary account under inter branch cash payment. Max. limit is Rs. 50000 and payment above Rs. 20000 is to be made by cheque only. |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Charges for excess debit entries in SB Account | After 30 Manual Debit entries per half year, Rs.5/- per entryshould be debited by system, | No charges, where staff ODs are maintained. |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Cheque Book charges Saving Bank A/c | One cheque book containing 20 leaves free per half year Rs.2.50/- per leaf for extra cheque. | One cheque book containing 10 leaves every month of salary account is given free Rs.2.50/- per leaf for extra cheque. |
| 2 | Cheque Book chargesCurrent A/c | No free cheque book is to be issued. Rs.3.00/- per leaf for each cheque. | One cheque book containing 10 leaves every month of salary account is given free Rs.2.50/- per leaf for extra cheque. |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Maintenanceof Minimum BalanceSaving Bank Deposits | The Customer who does not maintain minimum balance of Rs.500/- and Rs.1000/- withcheque book facility in his account the service charges shall be levied atthe following rates per month:Rs.50/- per month, will be debited every month.No charges for Ex-Staff and Senior Citizens. | No charges |
| 2 | Maintenanceof Minimum Balance Current Account | Min. balance Rs.5000/- is to be maintained.If the balance in the account is less than the penalty charges then the amount available should be deducted and remaining amount should be kept in hold upto 3 months and account should be closed under intimation to the customer under ordinary post. Rs.250/- per month, will be debited every month for non-maintenance ofminimum balance. | Same Charges |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Statement of account All types of accounts. | Current AccountOne statement for current month is free.Rs 50/- for duplicate statement upto one year old entriesRs 100/- for statement prior to 1 year.Saving bankRs 50/- for any type of statement, except in case the statement are required for loan from same branch should be generated and given after taking written request. | Free only for salary account. It should be generated andgiven after taking written request. |
| 2 | Duplicate Pass Book | Rs 50/- with one month old entries, but should be issued on written request only thereafter copy of statement is given as per charges mentioned above. |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Charges | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|---|
| 1 | SAFE CUSTODY CHARGES | Rs 50/- | Same Charges | |
| 2 | LOCKER RENT | Small Locker | 800/- p.a. | Concession of 50% charges in Locker rent. All other charges will remain same. |
| Medium Locker | 1500/-p.a. | |||
| Big Locker | 2500/- p.a. | |||
| Extra Large Locker | 4000/-p.a. | |||
| No Lien | ||||
| Note: In case of loss of key of the Lockers, actual expenditure incurred for breaking open the locker and changing the lock by manufacturers of lockers, should be recovered from the account holders. Penalty charges per Quarter or part thereof: | ||||
| Small Locker | Rs.100/- | |||
| Medium | Rs.200/- | |||
| Big | Rs.300/- | |||
| Extra Large | Rs.500/- | |||
| * Any default will atract penalty charges for a full quarter. | ||||
| *The rent should become due w.e.f. 1st of succeeding month, in which the locker is leased out. One month may be allowed for payment of rent due. |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | STANDING INSTRUCTIONS | No charges for Registration. Rs. 50/- per transaction involving credit to account in other Branch, remittance cgarges at the prescribed rate and actual postal shall be recovered additionally, charges to be levied on the account from which the amount is transferred.Rs. 10/- for standing instructions for transfer of amount under same customer ID within the branch from one account to another. | No charges |
| 2 | STOP PAYMENT INSTRUCTIONAll types of accounts | For CBS Branches Rs 50/- per instructions ( upto 2 instruments ) after that Rs 20/- + taxes per instrument and Rs 200/-for continuous series upto 20.00 instruments.For non CBS Branches Rs 50/- per instrument | Same Charges |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Issuance of Banker cheque/ Pay order/DD | Up to Rs. 5000 Rs.20/- 5001 – 10000 Rs. 40/-Above 10000 Rs. 2.00 per Thousand or part thereof and minimum Rs. 20/- & Max. Rs. 10000/- | Every Staff Member is entitled for one free draft/ payorder of any amount in a month |
| 2 | Issuance of Duplicate Banker’s cheques/DDs | Rs.100/- | No charges |
| 3 | Revalidation/Cancellation Of Pay order/DDs | Rs.50/- | No charges |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Outward Cheques/Bills returned unpaid | Charges for outward Cheques/Bills Clearing Returns, outward loan Cheques return. Rs.100/- per instrument | Same Charges |
| 2 | Inward Cheques/Bills return unpaid | Rs.100/- per instrument | Same Charges |
| 3 | ECS outward and inward clearing return | Rs.100/- per instrument | Same charges |
| Sr No. | Detail of Services | Applicable Charges (For Customers) | Applicable Charges {For Bank Staff (Including Retired)} |
|---|---|---|---|
| 1 | Collection of Outstation Cheques | Up to Rs. 5000/- Rs 25/- From Rs 5001/- to Rs 10000/- Rs.50/- From Rs10000/- to Rs 100000/ Rs 100/- Above Rs100000/- Rs150/- Above charges are per instrument. | Same charges |
| 2 | Collection of Bills | Up to Rs. 10000 Rs. 50/- plus Postal charges Rs. 10001 and above Rs.6/- per thousand, Min 100/- and Max. 12000/- plus postage. No collection charges to be levied for collection of local cheques/drafts. However, out of pocket expenses be recovered in full. Collection charges in cases of outstation cheques/bills should be levied on the gross amount of instrument. Further, No charges to be taken from Senior Citizens/pensioners for collection of pension up to Rs 10000/- | Same charges |