Fees and Charges applicable from 1st July 2007 to Jan 2009

Description of Charges	Premium Current Account
Current Accounts with Cheque facility
Minimum Balance (Average Quarterly Balance)	25,000
Charges for non maintenance thereof per Quarter	900
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	-
Demand Drafts payable at Mumbai, Delhi, Kolkata, Chennai, Ahmedabad, Bangalore, Hyderabad, Trivandrum, Chandigarh, Bhopal, Nagpur, Jaipur, Bhubaneshwar, Kanpur, Patna & Guwahati	Upto Rs.25,000 - Rs.50/-. Above Rs.25,000 to Rs.100,000 - Rs.2.50 per Rs.1,000 or part thereof, minimum Rs.50/-. Above Rs.100,000 - Rs.2/- per Rs.1,000 or part thereof, minimum Rs.250/-, max Rs.5,000/-
Demand Drafts payable at any Other Branch locations	Upto Rs.25,000 - Rs.50/-. Above Rs.25,000 to Rs.100,000 - Rs.2.50 per Rs.1,000 or part thereof, minimum Rs.50/-. Above Rs.100,000 - Rs.2/- per Rs.1,000 or part thereof, minimum Rs.250/-, max Rs.5,000/-
For accounts not maintaining Average Quarterly Balance
Demand Drafts - Issued payable at BRANCH Locations & Issued from Non-Home Branch / Duplicate DD
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	FUpto Rs.50,000/- Rs.75/- Above Rs.50,000/- Re.1/- per Rs.1,000/-, min Rs.75/-, Max Rs.5,000/-
Pay Orders Issued from NON-HOME Branch / Duplicate PO
For accounts not maintaining Average Quarterly Balance
PO-cancellation/Revalidation	Rs.50/-
Inter-city funds transfer within Branch locations except Dahej - includes both collection & payment in the accounts	Free upto Rs.10 Lacs per month, incremental to be charged @ Rs.1.50 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.50/- + Charges as Follows: Upto Rs.500/- - Rs.10/-, Above Rs.500/- upto Rs.1000/- - Rs.15/-, Above Rs.1000/- upto Rs.5000/- - Rs.25/-, Above Rs.5000/- upto Rs.10,000/- - Rs.30/-, Above Rs.10,000/- upto Rs.100,000/- - Rs.3/- per Rs.1000/- or part there
DD-Cancellation / Revalidation	Rs.50/-
Cheque Collection
Local	FREE. Effective 1st July 2006, Up to 150 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, subject to realisation of funds. Faster realisation will be charged at 0.25% (min Rs.25/-)
Outstation through another bank	Cheques (MICR) drawn on non-branch locations where we have a tie-up with correspondent bank - 0.40% (min Rs.50/-) & Cheques drawn on non-branch locations where we do not have a tie-up with correspondent bank & Non-MICR in MICR location - 0.65% + Rs.25/- (min Rs.50/-) # 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
Phonebanking - Non IVR	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)

Fees & Charges applicable from 1st July 2007 to Jan 2009