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| Operational Activities: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Good for Payment Charge | Free |
| 2 | Cancellation of Good for Payment Cheque | Rs. 300.00 |
| 3 | Interest Earned Certificate/Other | Free |
| 4 | Account statement charge sent through fax/mail | Free |
| 5 | Cheque issuance against loss of requisition slip | Rs. 200 |
| 6 | Cheque book destroy crossing six months | Rs. 200 |
| 7 | Stop Payment Charge | Free |
| 8 | Withdrawal Slip/Issuance of One leaf Cheque | Rs. 50 |
| 9 | Dormant account activation fee | Free |
| 10 | Charge to publish death notice | Actual Cost |
| 11 | Account scheme change | Rs. 300 |
| 12 | Balance Certificate | Free |
| 13 | Account Closure Charge | Rs. 200 if closed within 6 months, otherwise free |
| 14 | Account Statement charge for 1 time | Free |
| 15 | Account Statement charge for more than 1 time | Reprint Rs. 50 per page (Institutional) / Rs. 10 per page (Individual) |
| 16 | Issuance of duplicate FD receipt | Rs. 300 |
| 17 | C-ASBA Fee | Rs. 5 |
| 18 | Standing Instruction (as per customer request) | Rs. 200 |
| 19 | Courier Charge | Actual Cost or minimum Rs. 100 |
| Record Retrieval | ||
| 1 | Within 6 months | Free |
| 2 | After 6 months | Rs. 500 per record |
| 3 | Record Retrieval Charge (CCTV Footage) | |
| a) | Retrieval on all case | Rs. 500 |
| b) | Records for view only purpose | Rs. 300 |
| c) | If required by regulators | Free |
| Clearing Charge: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Below Rs. 2,00,000 | Nil |
| 2 | Rs. 2,00,000 & above | As per NCHL |
| 3 | Express Clearing | As per NCHL |
| 4 | Late presentment | As per NCHL |
| 5 | Inward cheque return | Rs. 300 |
| Interbank Payment Transaction Fees: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Up to Rs. 500 | As per NCHL |
| 2 | Rs. 500 to Rs. 50,000 | As per NCHL |
| 3 | Above Rs. 50,000 | As per NCHL |
| 4 | Dividend up to Rs. 100 | As per NCHL |
| 5 | Other IPS Transactions | As per NCHL |
| Connect IPS Transaction Fees: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Up to Rs. 500 | As per NCHL |
| 2 | Rs. 500 to Rs. 5,000 | As per NCHL |
| 3 | Above Rs. 5,000 | As per NCHL |
| 4 | RTGS** | |
| 5 | Transactions from 10:00 A.M. to 14:00 P.M. | Rs. 10.00 |
| 6 | Transactions from 14:00 P.M. onwards | Rs. 20.00 |
| ATM Charges: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Joining Fee (Initial) | Free for 1st year |
| 2 | Replacement Fee | Rs. 250.00 |
| 3 | Re-Issuance Fee | Rs. 250.00 |
| 4 | Subscription Fee | Rs. 250.00 |
| 5 | Card Blocking/Unblocking Fee | Rs. 100.00 |
| 6 | Pin Registration Fee | Rs. 50.00 |
| 7 | a). Cash Withdrawal from our ATM | Free |
| b). Cash withdrawal at other BFIs ATM | As per SCT | |
| 8 | ATM Charge if not collected within 90 days | Rs. 250 |
| Mobile Banking Charges: | ||
| S. No | Particulars | Fees & Charges |
| 1 | First Subscription (New Registration) Renewal/SMS Alert | FREE |
| 2 | SMS Alert from 2nd Year | Rs. 350.00 |
| 3 | Pin Code Generation | Free |
| 4 | Pin Code Re-Generation | Free |
| 5 | Inter Banking Fund Transfer | Rs. 10.00 per transaction |
| 6 | Block/Unblock Charge | Free |
| 7 | Mobile Number Modification | Rs. 50 |
| 8 | QR Registration | As per NCHL/Fonepy |
| Loan Management/Service Charges: | ||
| S. No | Loan Type | Service Charge |
| 1 | Business Loan | 1.25% |
| 2 | SME Loan | 1.25% |
| 3 | Housing Loan | 1.25% |
| 4 | Personal Loan | 1.25% |
| 5 | Share Loan | 1.25% |
| 6 | Real Estate Loan | 1.25% |
| 7 | Gold Loan | 1.25% |
| 8 | Agriculture Loan | 1.25% |
| 9 | Educational Loan | 1.25% |
| 10 | Hire Purchase & Auto Loan | 1.25% |
| 11 | Hire Purchase & Auto Loan-Used | 1.25% |
| 12 | Heavy Equipment | 1.25% |
| 13 | Professional Loan | 1.25% |
| 14 | Bridge Gap Loan | 1.25% |
| 15 | Consortium Loan | As per Syndicated Agreement and further, consortium decision |
| 16 | Deprived Sector Wholesale Lending | Up to 0.50% |
| 17 | Deprived Sector Retail | 1.25% |
| 18 | Renewal Charge for All Funded Loans | Max 20% of Service Charge per annum |
| 19 | Commitment Fee for Unutilized Limit (below 60% utilization) | Max 20% of Service Charge per annum |
| 20 | Prepayment Charge | |
| i) | Up to Loan Limit Rs. 50 Lakh | Nil |
| ii) | Term Loan over 50 Lakh | |
| a) | Up to 2 Years | 100% of Service Charge |
| b) | Above 2 Years to 5 Years | 50% of Service Charge |
| c) | After 5 Years | 20% of Service Charge |
| 21 | SWAP Charge | |
| a) | Up to 2 Years | 100% of Service Charge |
| b) | Above 2 Years to 5 Years | 50% of Service Charge |
| c) | After 5 Years | 20% of Service Charge |
| 22 | Loan Pre-disbursement Charge | Up to 0.25% per day or Rs. 5000.00 |
| 23 | Share Pledge Charge per Institution*** | Rs. 50.00 |
| 24 | Share Replacement Charge | Rs. 100.00 |
| 24 | Collateral Replacement Charge | Rs. 5000.00 |
| 25 | Inter Bank Credit Information Charge (other than loan against FD) | Rs. 500.00 |
| 26 | CIC/Inquiry | On actual basis |
| 27 | Blacklisting Charge | On actual basis |
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| Secured Transaction Registry Office | ||
| S. No | Particulars | Fees & Charges |
| a | Registering notice of security | As per actual rate |
| b | Registering notice of amendment | As per actual rate |
| c | Registering notice of continuing service | As per actual rate |
| d | Registering notice of termination | As per actual rate |
| e | Registering notice of correction | As per actual rate |
| f | Provision of ccertificate search report | As per actual rate |
| Bhu Sewa Kendra: | ||
| S. No | Particulars | Fees & Charges |
| a | Online Mortgage (Rokka) | Rs 500.00 |
| b | Online Release (Fukuwa) | Rs 500.00 |
| (Other charges, if any shall be levied as per Malpot Office). | ||
| LC/Guarantee/Commission Charges: | ||
| S. No | Particulars | Fees & Charges |
| I | Letter of Credit | |
| 1 | Cash Margin (Earmarking) | 10% |
| 2 | LC/TT/DAA/DAP Commission | |
| a) For FCY LCs | 0.15% p.q. or Min Rs 1,000 per quarter | |
| b) For INR/NPR LCs | 0.20% p.q. or Min Rs 1,000 per quarter | |
| 3 | Acceptance (AL) Commission under Usance LC | 0.08% p.m. or Min Rs 1,000 per month |
| 4 | LC/AL Validity Extension or Value Increase | Same as issuance charges |
| II | Bank Guarantee (BG) Commissions | |
| 1 | Bid Bond Guarantee (BBG) | 0.25% per Quarter or Min Rs 1,500 |
| 2 | Performance Bond Guarantee (PBG) | 0.30% per Quarter or Min Rs 1,500 |
| 3 | Advance Payment Guarantee (APG) | 0.375% per Quarter or Min Rs 1,500 |
| 4 | BG Amendment – Increase in Value and/or Time Extension | Same as issuance charges |
| III | Non-Sharing Charges | |
| 1 | LC & Guarantee Amendment (Value Decrease or Other Terms/Conditions) | Rs 1,000 per amendment |
| 2 | SWIFT Charge – LC Issuance & Payment | Rs 1,500 per message |
| 3 | Other SWIFT/Communication Charges | Rs 500 per message |
| 4 | LC Cancellation | Rs 2,000 |
| 5 | LC Overdrawn Charges | As per issuance charge or Min Rs 2,000 |
| 6 | Issuance of Multiple Bi.Bi.Ni. under Single Document Presentation | Rs 1,000 per Bi.Bi.Ni |
| 7 | Import Document Return Charges (under LC or Collection) | Rs 2,000 + applicable communication charges (SSC) |
| 8 | Endorsement of Copy Documents / Issuance of Delivery Order (DO) | Rs 1,000 per set of documents |
| 9 | BG Claim Handling Charges | Rs 2,500 per claim |
| 10 | Other Applicable Charges | As per prevailing Standard Tariff Charges (STC) |
| Guarantee Charges: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Counter Guarantee | Flat Rs. 1000 |
| 2 | Amendment (except enhancement and extension) | Rs. 500 plus Commission as per above |
| Other Documentation: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Individual/Joint/Firm/Co. (For an attempt) - In letter head | Free |
| a) | Individual/Joint/Firm/Co. - (For an attempt ) - In letter head | |
| 2 | B2B Transactions | |
| a) | BFIs/Insu/Coop (beyond 1st attempt) - Dr/Cr Advice/Slip | Rs. 50 |
| 3 | B2C Transactions | |
| a) | Individual (beyond 1st attempt) - Dr/Cr Advice/Slip | Rs. 25 |
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