Service Charges

Particular

ChargesExclusive of Taxes

Minimum Balance Charges

Regular Saving a/c with Cheque Books

NIL

Regular Saving a/c without Cheque Books

NIL

Janata Basic Savings

NIL

Janata Kids Savings

NIL

Premium Savings

NIL

Regular Currents a/c (Minimum Balance Rs.3000/-)

Rs. 100/- per month

Premium Currents a/c (Avg. monthly balace Rs. 50000/-)

Rs. 300/- per month

Quarterly Service Charges

Current a/c, Cash Credit, Overdraft

Rs. 125/- per quarter

Cheque Book Charges

Savings a/c

NIL

Savings a/c more than 1 chequebook request

Rs. 3/- per leaf

Current a/c, Cash Credit, Overdraft

Rs. 3/- per leaf

SMS Charges

Savings a/c

Rs. 10/- + GST per quarter

Current a/c

Rs. 20/- + GST per quarter

Cheque/Bills Collection (OBC)

Upto 10,000/-

Rs. 100/-

Above 10,001/- Upto 1,00,000/-

Rs. 150/-

Aove 1,00,001/-

Rs. 200/-

Cheque/Bills Collection (OBC) Return (Except Technical Reasons)

Savings a/c

Rs. 200/- + postage

Current a/c, Cash Credit, Overdraft

Rs. 200/- + postage

Inward/Outward/NACH (Debit) Return Charges (Except Technical Reasons)

Savings a/c

Rs. 200/- per instrument

Current a/c, Cash Credit, Overdraft

Rs. 200/- per instrument

Stop Payment Charges

Savings a/c, Current a/c, Cash Credit, Overdraft

Rs. 150/- per instrument
Multiple Max Rs.500/-

Account Closure Charges

Savings a/c

Rs. 125/- (within 1 year), NIL beyond 1 year or death + Rs. 3/- for unused cheque leaf

Current a/c

Rs. 500/- (within 1 year), NIL beyond 1 year or death

Penalty on Recurring Deposits for delayed payment of monthly installments

Accounts for the period upto 5 years

Rs. 1.50/- per 100/- per month

Accounts for the period above 5 years

Rs. 2/- per 100/- per month

Pay Orders

Issue

Rs. 5/- per 1000 (minimum Rs. 25/- maximum Rs.300/-)

Cancellation/Duplicate/Revalidation

Rs. 50/- per instrument

Demand Draft

Issue/Cancellation/Duplicate/Revalidation

Rs. 100/- per instrument + Issuing bank charges

At par cheques

Issue

Rs. 5/- per 1000 (minimum Rs. 25/- maximum Rs.500/-)

Cancellation/Revalidation

Rs. 100/- per instrument

Enquiry relating to old records/issuing Photocopy of the Paid Cheque/Record copy of the cheque

1 year upto 3 years

Rs. 100/- per enquiry/record/page

3 years upto 5 years

Rs. 200/- per enquiry/record/page

5 year upto 10 years

Rs. 300/- per enquiry/record/page

Share Certificate

Duplicate

Rs. 100/- per certificate

Transfer

Rs. 100/- per certificate

Fate Enquiry / Confirmation Charges

Upto 10 Lakhs

Rs. 200/- per instrument per lakh

Above 10 lakhs

Rs. 300/- per instrument per lakh

Solvency Certificate

Other than Educational Purpose having credit facility limit

0.10% of amount (Minimum Rs. 1000/- Maximum Rs. 10000/-)

Adhoc Solvency Certificate without credit facility limit

0.10% of amount (Minimum Rs. 500/- Maximum Rs. 5000/-)

Additional/Duplicate Certificate

Rs. 100/- per certificate

For Educational Purpose

Free (For more than 1 certificate Rs. 25/- per certificate)

NEFT/RTGS Charges

No charges if transactions are through mobile banking

Amount Limit	Charges per transaction (For Branch Banking)
NEFT
Upto Rs.10000	NIL
Above 10000 – 1 Lakh	Rs.4/- + GST
Above 1 Lakh – 2 Lacs	Rs.10/- + GST
Above 5 Lacs	Rs.20/- + GST
RTGS
Amount Limit	Charges per transaction (For Branch Banking)
2 Lakh – 5 Lacs	Rs.20/- + GST
Above 5 Lacs	Rs.40/- + GST

Cash Handling Charges

For Savings Account
Monthly cash deposit upto Rs. 1 lakh and/or Average Monthly Balance Rs.5 lakhs and above	NO Charges
Monthly cash deposit above Rs. 1 lakh and/or Average Monthly Balance below Rs.5 lakhs	Rs. 100/- per lakh for amount above 1 lakh
For Current Account
Monthly cash deposit upto Rs. 1 lakh and/or Average Monthly Balance Rs.1 lakhs and above	NO Charges
Monthly cash deposit above Rs. 1 lakh and/or Average Monthly Balance below Rs.1 lakhs	Rs. 100/- per lakh for amount above 1 lakh
For OD/CC Account and limit upto Rs.20 lakh
Monthly cash deposit upto Rs. 5 lakh	NO Charges
Monthly cash deposit above Rs. 5 lakh	Rs. 100/- per lakh for amount above 5 lakh
For OD/CC Account and limit between Rs.20 lakh and 100 lakh
Monthly cash deposit upto Rs. 10 lakh	NO Charges
Monthly cash deposit above Rs. 10 lakh	Rs. 100/- per lakh for amount above 10 lakh
For OD/CC Account and between Rs.100 lakh and 200 lakh
Monthly cash deposit upto Rs. 25 lakh	NO Charges
Monthly cash deposit above Rs. 25 lakh	Rs. 100/- per lakh for amount above 25 lakh
For OD/CC Account and above Rs.200 lakh
Monthly cash deposit upto Rs. 40 lakh	NO Charges
Monthly cash deposit above Rs. 40 lakh	Rs. 100/- per lakh for amount above 40 lakh
Low Denomination Charges for all accounts
200 pieces/coins free (1 Bundle = 100 pcs) per day	NO Charges
Above 200 pieces/coins free (1 Bundle = 100 pcs) per day	Rs. 10/- per 100 pieces/coins above free limit

Loan Related Charges

Form Charges

Rs. 50/- per form

CIBIL Charges

Individual Rs. 100/-
Corporate Rs. 1000/-

CERSAI Charges

Creation/Modification of charges for loans upto 5 lakhs	Rs. 25/- per entry
Creation/Modification of charges for loans above 5 lakhs	Rs. 100/- per entry
CERSAI search charges	Rs. 10/-

Fixing Bank’s Name Plate on Mortgaged Property /Hypothecated Machinery, Vehicle, etc (photograph to be obtained)

Upto 5 Lakhs Rs. 250/- per plate
Above 5 Lakhs Rs. 500/- per plate

Notice of reminder for submission of stock, book debts statements for Cash Credit/Overdraft Limit

Rs. 100/-

Inspection of Stock/Book Debts/Factory Plant & machinery/Vehicle, etc

upto 5 Lakhs Rs. 100/- + actual expense
5 lakhs to 10 Lakhs Rs. 200/- + actual expense
10 lakhs to 25 Lakhs Rs. 300/- + actual expense
25 lakhs to 50 Lakhs Rs. 500/- + actual expense
50 lakhs to 100 Lakhs Rs. 1000/- + actual expense
above 100 Lakhs Rs. 2000/- + actual expense

Non-utilisation of Cash Credit / Overdraft Limits

Utilisation below 75%	0.50% p.a. of unutilised amount
Utilisation below 50%	1.00% p.a. of unutilised amount
Utilisation below 25%	2.00% p.a. of unutilised amount

Panel Advocate’s Charges

Title and Search Report for Properties in Palghar District	Rs. 3500/-
Title and Search Report for Properties other than Palghar District	Rs. 5500/-
Drafting of Mortgage Documents	Rs. 1000/-
Verification of Originality of Documents	Rs. 500/- + actual expenses incurred for obtaining certified copy/s from Sub-Registrar
Vetting of Documents	above 25 lakhs upto 100 lakhs – Rs. 1000/- above 100 lakhs – Rs. 2000/-

Valuation Charges

For Residential Property	For Loan upto 25 lakhs – Rs. 1500/- For Loan above 25 lakhs – Rs. 2500/-
For Commercial Property / Machinery /Vehicle	Rs. 5500/-

Stock Charges

For Loan upto 50 lakhs	Rs. 3000/-
Above 50 lakhs upto 100 lakhs	Rs. 4000/-
above 600 lakhs	Rs. 5000/-

Gold Valuer’s Charges

0.20% of value certified based on our Card rate on the valuation date (Minimum Rs. 100/- Maximum Rs.500/-

Encashment of NSCs

Minimum Rs. 50/- + actual charges

Discount of Documentary Supply Bills and Cheques

Rs.10/- per thousand (Minimum Rs. 50/-)

Non Display of Banks Name Baord

Rs.500/-

Notice Charges

1st Notice to Borrower/Guarantor	Rs. 100/-
2nd Notice to Borrower/Guarantor	Rs. 200/-
101 Notice	Rs. 300/- + actual expenses
Legal Proceedings	Rs. 500/- + Advocate fees + postage + other expenses
Notice for Salary Attachment under execution of Recovery Certificate	Rs. 500/-

Charges for Acting as custodian to the vehicle seized by the bank for recovery in Borrower’s Account

For 2 Wheelers	Rs. 50/- per day (Maximum 1000/- per month)
For 3 Wheelers	Rs. 100/- per day (Maximum 2000/- per month)
For 4 Wheelers & all other vehicles	Rs. 250/- per day (Maximum 10000/- per month)

Sale of Pledge/Hypothecated Assets Under Recovery

Gold Loans	Rs. 500/-
Other Loans	Rs. 1000/-

Symbolic / Physical Attachment Charges

Rs.5000/- + actual expenses

No Dues Certificate Apart From Account Closed Certificates

Rs.100/- per event

Visiting Charges

Rs.100/- per visit + actual expense

Other Charges

Signature Attestion

Rs. 100/- per verification

Photo Attestion

Rs. 100/- per verification

Duplicate Passbook Charges

Rs. 50/-

Duplicate Statement Charges

Rs. 50/- per page

Issue of Duplicate Receipt (Indemnity bond with proper stamp duty is to be obtained)

Rs. 100/- per receipt

Changes in operational instructions (in all deposit accounts)

Rs. 100/- per occasion

Duplicate Balance Certificate

Rs. 50/- per certificate

Duplicate Interest Certificate

Rs. 50/- per certificate

Loss of Token

Rs. 100/- per token

Standing Instructions for transfer of funds within bank

NIL

Service Charges

Important Links

Bank Information

Registered office