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The Kapurthala Central Cooperative Bank Ltd.
LIST OF PUNJAB HOLIDAYS
Under Negotiable Instruments Act

SR. NO.DATEDAYNAME OF HOLIDAYS
126-Jan-2025SundayRepublic day
212-Feb-2025WednesdayB’day of Sri Guru Ravidas Ji
326-Feb-2025WednesdayMaha Shivratri
414-Mar-2025FridayHoli
531-Mar-2025MondayId-Ul-Fitr
601-Apr-2025TuesdayBank Holiday
701-May-2025ThursdayMay Day
807-Jun-2025SaturdayId-Ul-Zuha (Bakrid)
915-Aug-2024ThursdayIndependence Day
1016-Aug-2025SaturdayJanmashtami
1102-Oct-2024WednesdayMahatma Gandhi`s Birthday
1207-Oct-2025TuesdayB’day of Maharshi Valmiki Ji
1320-Oct-2025MondayDiwali
1405-Nov-2025WednesdayGuru Nanak Dev Ji Birthday
1525-Nov-2025TuesdayMartyrdom Day of Guru Teg Bahadur Ji
1625-Dec-2025ThursdayChristmas Day

COPYRIGHT 2022| The Kapurthala Central Cooperative Bank Ltd
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ATM & NEFT/RTGS Charges

Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1ATM ChargesAnnual ATM card charges ->1st year free ->2nd year – Rs.100/- + GSTSame Charges
2ATM Financial TxnATM Aquirer (Financial Txn) charges, after 5 transactions – Rs.21/- per transaction + GSTSame Charges
3ATM Non-Financial TxnATM Aquirer (Non Financial Txn) charges, after 5 transactions – Rs.6/- per transaction + GSTSame Charges
4New ATM card issue charges1st ATM card is freeSame Charges
5For reissue of ATM card – Rs.200/-Same Charges
6SMS ChargesRs. 15/- per QuarterSame Charges
7RTGS/NEFT chargesUpto 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 ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Bank Guarantee against depositRs.500/-Up to Rs.500000- 2% p.a.Above Rs. 500000 – 1% p.a.Charges to be levied at the time of issuing of guaranteeSame Charges

Interest Certificate Charges

Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Interest certificate/ Balance certificateFirst copy- FreeSubsequent copy- Rs.50/-per copyNo charges

Photo Attestation and Signature Verification Charges

Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Photo attestation chargesRs.50/- for Saving AccountsRs.100/- for Current AccountsNo charges
2Signatures verification chargesRs.50/- for Saving AccountsRs.100/- for Current AccountsFree for- Students, Defence forces, War widows, Physically handicap & Signature attestation for ECS purposeNo charges

Account Closer Charges Saving/RD

Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Account closer charges before 6 MonthsRs 150.00 Saving accountRs 500.00 current account(on account of death of customers no charges should be levied)No charges
2Closing of RD A/c before maturityRs.100/-On account of death of customer no charges should be levied.Same Charges
3Penalty for late payment of RD installmentPenalty 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 ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Cash 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 ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Payments 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 ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Charges for excess debit entries in SB AccountAfter 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 ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Cheque Book charges Saving Bank A/cOne 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.
2Cheque Book chargesCurrent A/cNo 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 ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Maintenanceof Minimum BalanceSaving Bank DepositsThe 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
2Maintenanceof Minimum Balance Current AccountMin. 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 ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Statement 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.
2Duplicate Pass BookRs 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 ServicesApplicable Charges (For Customers)ChargesApplicable Charges {For Bank Staff (Including Retired)}
1SAFE CUSTODY CHARGESRs 50/-Same Charges
2LOCKER RENTSmall Locker800/- p.a.Concession of 50% charges in Locker rent. All other charges will remain same.
Medium Locker1500/-p.a.
Big Locker2500/- p.a.
Extra Large Locker4000/-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 LockerRs.100/-
MediumRs.200/-
BigRs.300/-
Extra LargeRs.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 ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1STANDING INSTRUCTIONSNo 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
2STOP PAYMENT INSTRUCTIONAll types of accountsFor 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 instrumentSame Charges

Issuance/Cancellation of Banker Cheque /Pay Order/DD

Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Issuance of Banker cheque/ Pay order/DDUp 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
2Issuance of Duplicate Banker’s cheques/DDsRs.100/-No charges
3Revalidation/Cancellation Of Pay order/DDsRs.50/-No charges

Cheques/ECS- Outward Inward

Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Outward Cheques/Bills returned unpaidCharges for outward Cheques/Bills Clearing Returns, outward loan Cheques return. Rs.100/- per instrumentSame Charges
2Inward Cheques/Bills return unpaidRs.100/- per instrumentSame Charges
3ECS outward and inward clearing returnRs.100/- per instrumentSame charges

Collection of Outstation Cheques/Bills

Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Collection of Outstation ChequesUp 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
2Collection of BillsUp 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

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