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BOARD OF DIRECTORS

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ATM & NEFT/RTGS Charges

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

Bank Gurantee Against Deposit Charges

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

Interest Certificate 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

Photo Attestation and Signature Verification 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

Account Closer Charges Saving/RD

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

Cash Deposit in Current Account*

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

Payments under CBS other than Parent Branch

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.

Excess Debit Entries Charges in SB Account

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.

Saving/Current Account->Cheque Book Charges

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.

Saving/Current Account->Minimum Balance Charges

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

Account Statement and Duplicate Pass Book 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.

SAFE Custody and Locker Rent Charges

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.

Standing Instructions and STOP Payment Instructions

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

Issuance/Cancellation of Banker Cheque /Pay Order/DD

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

Cheques/ECS- Outward Inward

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

Collection of Outstation Cheques/Bills

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