| Description of Charges |
Trade Current Account |
| Current Accounts with Cheque facility |
| Minimum Balance (Average Quarterly Balance) |
40000 |
| Charges for non maintenance thereof per Quarter |
1,200 |
| Other Current Account facilities |
| Issue of Duplicate / Adhoc Statement |
Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 50 per statement through Phonebanking (IVR), Netbanking, ATM, Mobilebanking. |
| Mode of calculation of minimum average quarterly balance |
Sum of Daily Closing Balance for financial quarter / Number of days in the Qtr |
| Remittance facility through own Bank |
| Effective 1st July 2006, up to 100 cheque leaves issuance FREE per month. Issuance in excess of above will be charged @ Rs.2/- per cheque leaf issued. For accounts not maintaining AQB free limit is not applicable & the same is charged @ Rs.2/- per cheque issuance. |
- |
| Demand Drafts - Issued payable at BRANCH Locations & Issued from Home Branch / Duplicate DD |
Till 30th June 2006, 30 such DDs will be FREE in a calender quarter, incremental to be charged @ 0.50 per Rs.1,000, min Rs.25/- |
| Demand Drafts payable at Mumbai, Delhi, Kolkata, Chennai, Ahmedabad, Bangalore, Hyderabad, Trivandrum, Chandigarh, Bhopal, Nagpur, Jaipur, Bhubaneshwar, Kanpur, Patna & Guwahati |
FREE |
| Demand Drafts payable at any Other Branch locations |
FREE upto Rs.10 lacs per day per account. Above which full amount will be charged @ Rs.0.50 per Rs.1,000/-, min Rs.25/- max Rs.5,000/-. Effective 1st July 2006, Free up to a total of Rs.20 lacs per month, incremental to be charged @ Rs.0.25 per Rs |
| For accounts not maintaining Average Quarterly Balance |
Charges @ Rs.0.25 per Rs.1,000, minimum Rs.25/-, maximum Rs.5,000 |
| Demand Drafts - Issued payable at BRANCH Locations & Issued from Non-Home Branch / Duplicate DD |
Rs.0.50 per Rs.1,000, min Rs.25/- |
| Issuance of DD/ PO through PhoneBanking |
Rs. 50 through Phonebanking **Only DD amount upto Rs 100000 for Preferred & Rs 50000 for other customers accepted at Phonebanking. All standard charges for DD are applicable as above. |
| DD-Cancellation/Revalidation |
Rs.50/- |
| Pay Orders Issued from HOME Branch / Duplicate PO |
FREE. Effective 1st July 2006, Free up to 10 Pay Orders per month, incremental to be charged @ Rs.0.50 per Rs.1,000, minimum Rs.25/-, maximum Rs.5,000/- |
| Pay Orders Issued from NON-HOME Branch / Duplicate PO |
Rs.0.50 per Rs.1,000, minimum Rs.25/-, maximum Rs.5,000/- |
| For accounts not maintaining Average Quarterly Balance |
Charges @ Rs.0.50 per Rs.1,000, minimum Rs.25/-, maximum Rs.5,000/- |
| PO-cancellation/Revalidation |
Rs.50/- |
| Inter-city funds transfer within Branch locations except Dahej - includes both collection & payment in the accounts |
Free upto Rs.25 Lacs per month, incremental to be charged @ Re.1/- per Rs.1,000/-, includes cash & non-cash transactions |
| EFT Charges- inward |
FREE |
| EFT Charges- outward |
FREE |
| RTGS-Outward |
Rs.0.25 per Rs.1,000/- per transaction, minimum Rs.50/-, maximum Rs.1,000/- |
| RTGS-Inward |
FREE |
| Remittance facility through other Bank |
| DD- Issue / Duplicate DD |
Rs.2.50 per Rs.1000/- Minimum Rs.50/- |
| DD-Cancellation / Revalidation |
Rs.50/- |
| Cheque Collection |
| Local |
FREE.Effective 1st July 2006, Up to 200 cheque deposits per month FREE. Cheque Deposits in excess of above will be charged @ Rs.5/- per cheque deposit. For Accounts not maintaining AQB Rs.5/- per cheque deposit. |
| Outstation through own bank |
FREE, Effective 1st July 2006, Courier Charge of Rs.10/- per cheque, subject to realisation of funds |
| Outstation through another bank |
0.40% (minimum Rs.25/-) + courier charge Rs.25/-, Credit on receipt of clear funds |
| Bouncing of cheques- Local |
- |
| Cheques Drawn on us |
- |
| Due to Insufficient Funds |
Rs.300/- per Instrument |
| Accounts not maintaining AQB as of previous quarter |
Rs.350/- per Instrument |
| Due to Technical Reasons |
No Charge |
| Cheques Deposited Returned Unpaid |
- |
| Local |
Rs.50/- per Instrument |
| Accounts Not maintaining AQB as of Previous Quarter |
Rs.100/- per Instrument |
| Bouncing of cheques- outstation- through own bank |
Rs.100/- per Instrument |
| Bouncing of cheques- outstation- through another bank |
Rs.100/- per Instrument |
| Cash Transactions |
| Cash Deposits |
Cash Deposit upto Rs.5 lacs per month allowed Free at Home Branch. Deposit in excess of above will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. For accounts not maintaining AQB Free limits are Not Applicable. Cash Deposits at Non-Home Branch is NOT allowed. |
| Miscellaneous |
| Balance enquiry |
Rs.25/- |
| Balance Certificate |
Rs.50/- |
| Interest Certificate |
Rs.50/- |
| Account closure |
Upto 14 days - No charge
15 days upto 6 months - Rs 100/-
Above 6 months - No charge |
| Photo attestation |
Rs. 50/- |
| Signature attestation |
Rs.50/- |
| Stop Payment Charges |
Particular Cheque:- Rs. 50/- (Rs.40/- through PhoneBanking) &
Range of Cheques:- Rs. 100/- (Rs. 80/- through PhoneBanking) &
FREE through Net Banking |
| Inoperative account |
Activation of Dormant/inoperative account Rs. 100/- |
| Phonebanking - IVR |
Free |
| Phonebanking - Non IVR |
Free |
| Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive |
| ECS (Debit) Return Charges |
Rs 200 (plus taxes) |
