Bank Charges

Bank Service Charges

Bank Service Charges w.e.f 01.10.2024
Loans & Advances Charges w.e.f 01.10.2026

Sr.	Type of Charges	Perticulars
1.	I. C. charges	Rs. 60/- per page * (54 entries)
2.	Cheque return charges (for insufficient funds)	For Inward clearing:-Rs. 250/- per instrument* For Outward clearing:-Rs. 50/- per instrument*
3.	NACH Mandate Return Charges	For Inward Mandate Return:-Rs. 250/- per instrument* For Outward Mandate Return:-Rs. 50/- per instrument*
4.	Cheque return charges (for any reason)	For Inward clearing/Transfer:- Rs. 100/- per instrument* For Outward clearing/Transfer:- Rs. 50/- per instrument*
5.	Stop payment charges	Rs. 50/- per Cheque *
6.	A/c closed charges (with cheque book) (to be recovered if account is closed within 6 months.)	i) Saving bank account – Rs. 100/- * ii) Current account - Rs. 250/- * + Recovery of pending I.C. Charges .
7.	A/c closed charges(without cheque book) (to be recovered if account is closed within 6 months.)	Rs. 50/- *
8.	Duplicate Pass-book (Saving Bank)	Rs. 50/- *
9.	Duplicate Pass-book (M.S.Y/ JBY.)	Rs. 20/- *
10.	Locker Rent	Small lockers - Size(5x7) : Rs.800/- + GST Medium lockers - Size(5x14) : Rs.1900/- + GST Large lockers - Size(11x14) : Rs.3300/- + GST Locker Size - 7 x 19.5 : 3300/- + GST Locker Size - 7 x 21 : 3300/- + GST Locker Size - 7 x 18 : 3300/- + GST Locker Size - 20 x 15 : 6000/- + GST Locker Size - 16 x 21 : 6000/- + GST New Rates are effiective from Due Dates onwardes. FDR - interest Amount of 3 years Rent (As per RBI guidelines)*
11.	Penalty for late payment of Locker Rent	Rs. 10/- p.m. for Small locker * Rs. 30/- p.m. for Medium locker * Rs. 40/- p.m. for Large locker * Rs. 50/- p.m. for Extra Large locker *
12.	Locker visit charges	Free upto 24 visits in a year & thereafter @ Rs. 50/-* per visit
13.	Signature verification charges	DELETE
14.	Duplicate statement of account	Rs. 25/- per page *
15.	Draft cancellation charges	Rs. 50/- *
16.	Pay order cancellation charges	Rs. 50/- *
17.	Charges for issue of duplicate draft	Rs. 50/- *
18.	Charges for issue of duplicate pay order	Rs. 50/- *
19.	Service Charges for not maintaining minimum balance	Saving Account- Rs. 45/- per quarter * Current Account- Rs. 150/- per quarter * on average quarterly balance. * Not to be recovered for accounts of staff and students
20.	Issue of drafts / pay orders (other than drafts of nationalised banks)	Rs.1 per thousand with a minimum of Rs. 30/-* maximum Rs. 7500/-*
21.	Cheque Book Charges	Saving Account- Rs.50/-per cheque book of 15 leaves (In a year one cheque book of 15 leaves is free of charge) Current /Cash Credit & Other Account- Rs. 165/- per cheque bookof 48 leaves (In a account first cheque book is free of charges)
22.	No Dues Certificate	Rs. 50/-*
23.	Enquiries relating to old records (more than 12 months old)	Rs. 100/-* per item
24.	Charges for excess debit entries in Saving account	Rs. 10/-* per debit entry in excess of 100 debit entries per year(Other than UPI Transections)
25.	Issue of Duplicate Share Certificate	Rs. 25/-*
26.	RTGS/NEFT	Upto Rs. 10000/- - Rs. 2/- Rs. 10001/- to Rs. 100000/- -Rs. 5/-* Rs. 100001/- to Rs. 200000/- -Rs. 10/-* Rs. 200001/- to Rs. 500000/- -Rs. 25/-* above Rs.500000/- - Rs.50/-*
27.	IMPS Outward Transections (Mobile Banking Channel)	Rs.1 to Rs.10,000/- - Free From Rs.10,001/- to Rs.5,00,000/- - Rs.5/-*
28.	Cash Handling Charges i) Saving ii) Current iii) ODCD	For Deposit first 1000 pices free thereafter Rs.5/- + GST per 100 pices or part thereof for the cash deposited in accounts during the day from Home or Non Home Branches . * Maximum Rs.5000/- +GST
29.	SMS Alert Charges i) For Saving ii) Current/CCC/SCC/Hyp	i)Rs.15/- per quarter* ii)Rs.30/- per quarter*
30.	ATM Card Charges i)ATM AMC Charges ii)ATM Duplicate/reissue charges	i)First Year Free and from 2nd year onward Rs.150/-* p.a ii)Rs.500/- per Card*

* Plus GST @ 18% which is to be rounded off to next Rupee if it is 50 paisa and above.

* Postages to be charged in a uniform way @ Rs.10/- per side for covers sent by ordinary post/courier & Rs.30/- per side for covers sent by Regd. Post/ Speed Post.

Sr.	Particulars of Service Charges	Revised Rates w.e.f. 01/03/2019
1	I. C. charges	Rs. 120/- per page *
2.	Cheque return charges (for insufficient funds)	For Inward clearing:-Rs. 200/- per instrument* For Outward clearing:-Rs. 50/- per instrument*
3.	Cheque return charges (for any reason)	For Inward clearing:- Rs. 100/- per instrument* For Outward clearing:- Rs. 50/- per instrument*
4	Stop payment charges	Rs. 100/- per cheque *
5	A/c closed charges (with cheque book) to be recovered if account is closed within 6 months.	i) Saving Bank Account – Rs. 100/- * ii) Current Account - Rs. 250/- * + recovery of pending I. C. charges *
6	A/c closed charges (without Cheque Book) to be recovered if account is closed within 6 months.	Rs. 100/- *
7	Duplicate Pass-book (Saving Bank)	Rs. 50/- *
8	Duplicate Pass-book (M.S.Y/ JBY.)	Rs. 20/- *
9	Signature verification charges	Rs. 50/- *
10	Duplicate statement of account	Rs. 25/- per page *
11	Draft cancellation charges	Rs. 100/- *
12	Pay order cancellation charges	Rs. 50/- *
13	Charges for issue of duplicate draft	Rs. 60/- *
14	Charges for issue of duplicate pay order	Rs. 60/- *
15	Collection of cheques sent to our Branches & HDFC Bank	i) Upto Rs. 1000/- - Rs. 10/- * + Postage of both sides ii) Rs. 1001/- to Rs.10000/- - Rs30/- * + Postage of both sides iii) Rs. 10001/- to 100000/- -Rs.75* + Postage of both sides iv) above Rs. 100000/- to Rs. 500000/- -Rs. 200/-* + Postage of both sides v)above Rs. 500000/- Rs.250/-* + Postage of both sides Cheque Return Charges - 50% of above charges* + Postage of both sides
16	Collection of Cheques sent to other Banks.	50% of above * + charges of other bank + Postage
17	Collection of cheques received from other Banks.	i) Upto Rs. 10000/- - Rs. 20/- + Postage + D.D. Commission ii) Above Rs. 10000/- - Rs.30/- * + Postage + D.D. Commission * iii) For HDFC Bank only Postages to be recovered. iv) Cheque return charges – Upto Rs.10000/- Rs. 20/- * + Postage v)Above Rs. 10000/- Rs. 30/- *+ Postage
18	Bills received for collection (IBC)	i) Upto Rs. 10000/- - Rs. 20/- * + postage + D. D. Commission * ii) Above Rs.10000/- - Rs.30/-+ Rs.1/- per thousand +postage + D.D. Commission * Bill Return charges Upto Rs. 10000/- Rs. 25/- + postage Above Rs. 10000/- Rs. 35/- + postage
19	Service Charges for not maintaining minimum balance	Saving Account- Rs. 45/- per quarter * Current Account- Rs. 150/- per quarter * on average quarterly balance. * Not to be recovered for accounts of staff and students
20	Issue of drafts / pay orders	Rs.1/- per thousand with a minimum of Rs.30/-* maximum Rs.7500/-
21	Cheque Book Charges	Saving Account- Rs. 36/-per cheque book of 15 leaves (In a year one Cheque Book of 15 leaves is free of charge) Current /Cash Credit & Other Account- Rs. 115/- per cheque bookof 48 leaves (In a account first cheque book is free of charges)
22	Charges for excess debit entries in Saving account	Rs. 10/-* per debit entry in excess of 100 debit entries per year
23	No dues Certificate	Rs. 50/- *
24	Enquiries relating to old records (more than 12 months old)	Rs. 100/*- per item
25	Issue of Duplicate Share Certificate	Rs. 25/-*
26	RTGS/NEFT	Upto Rs. 10000/- Rs. 2/- Rs. 10001/- to Rs. 100000/- Rs. 5/-* Rs. 100001/- to Rs. 200000/- Rs. 10/-* Rs. 200001/- to Rs. 500000/- Rs. 27/-* above Rs.500000/- Rs.50/-*
27	Locker Rent	Small - Rs. 2000/-* Medium - Rs. 3500/-* Large - Rs. 5000/-*
28	Penalty for late payment of locker rent	Rs. 40/-* p.m. for Small locker Rs. 70/-* p.m. for Medium locker Rs. 100/*- p.m. for Large locker
29	Locker visit charges	Free upto 24 visits in a year & thereafter @ Rs. 50/-* per visit
30	Cash Handling Charges i) Saving ii) Current iii) ODCD	For Deposit first 1000 pices free thereafter Rs.5/- + GST per 100 pices or part thereof for the cash deposited in accounts during the day from Home or Non Home Branches . * Maximum Rs.5000/- +GST
	v) RD Installment-in cash (Below Rs. 50000/-)	Free
	vi) TL type Cash-Deposit	Free
	vii) Transfer/Clearing -Deposit/ Withdrawal Saving, Current, All types of Loan A/cs.	Free
31	SMS Alert Charges i) For Saving ii) Current/CCC/SCC/Hyp	Rs.15/- per quarter* Rs.30/- per quarter*

* Plus GST @ 18% which is to be rounded off to next rupee if it is 50 paisa and above.

* Postages to be charged in a uniform way @ Rs.10/- per side for covers sent by ordinary post/courier

Sr.	Type of Charges	Particulars	Revised Charges w.e.f. 01.10.2026	Remarks
1	Processing Charges (Excluding LAGWHR, LAFDR, ODCD)	Processing Charges for all new loans and advances (Excluding LAGWHR, LAFDR, ODCD) as per product guidelines. In absence of product guidelines, rates will be as below: A) For NEW proposals (All type of loans & advances)	@0.50% of loan amount. Minimum Rs.100/- & Maximum Rs.3.00 Lac + GST
2	Processing Charges for LAGWHR / LAFDR / ODCD	LAGWHR: Up to Limit Rs.1 Lakh	Rs.250/- + GST
		Above Limit Rs.1 Lakh	Rs.500/- + GST
		LAFDR / ODCD	NIL	No Review / Renewal Charges
3	Processing Charges for Review (Excluding LAGWHR, LAFDR, ODCD)	Up to Limit of Rs.5 Lakhs	Rs.300/- + GST
		Limit > Rs.5 Lakh to Rs.25 Lakhs	Rs.1500/- + GST
		Above Limit Rs.25 Lakhs	Rs.1500/- + @0.025% of Limit above Rs.25 Lakhs + GST
4	Processing Charges for Renewal (Excluding LAGWHR, LAFDR, ODCD)		@0.25% of loan amount Maximum Rs.150000/- + GST
5	Processing Charges for Gold Loans		0.25% + GST of loan amount Minimum Rs.250/-	Charge not applicable to staff members.
6	Annual Service Charges for Gold Loan OD Accounts	Annual service charges	0.50% p.a. for all borrowers or Minimum Rs.1000/- + GST, whichever is higher. 1% p.a. of the original limit subject to a minimum amount equivalent to the annual rent of the smallest size locker, i.e. Rs.800/- + GST, in case the Average loan/limit utilization is below 50%.	Charge not applicable to staff members.
7	Commitment Charges	In case of Working Capital Limit, if the average limit is unutilised during the financial year below 50% of sanctioned limit.	Commitment charges @0.25% p.a. on unutilised limit of 50% of sanctioned limit.
8	Bank Guarantee Commission	a) Up to Limit or single Rs.200 Lakhs	@2% of BG Amount + GST
		b) Above Limit or Single Rs.200 Lakhs	@1% of BG Amount + GST
		For limits above Rs.200 Lakhs	If the Cash margin is provided for entire limit at the time of limit sanction, commission will be @1% of BG Limit + GST. Otherwise, wherever BG amount exceeds Rs.200 Lakhs, commission will be as per para (b) above or otherwise as per para (a).
9	Inland LC Issuing Charges	Normal Inland LC	2% p.a. on LC amount + GST
		LCs with 100% Cash Margin	1% of LC amount + GST
10	Inspection / Stock Verification / Security Visit & Verification Charges	For Limit up to Rs.5 Lakhs	NIL
		From Limit > Rs.5 Lakhs to Rs.25 Lakhs	Rs.250/- + GST per visit
		Limit > Rs.25 Lakhs to Rs.100 Lakhs	Rs.500/- + GST per visit
		Limit > Rs.100 Lakhs	Rs.1000/- + GST per visit
		For out of station visit	Charges as above + Actual reasonable travelling expenses
11	Issuance of Solvency Charges	Up to Rs.25 Lakhs	@0.20% of amount of certificate Minimum Rs.1000/- + GST
		Above Rs.25 Lakhs	Rs.5000/- + 0.05% of amount of certificate on amount over Rs.25 Lakhs Maximum Rs.25000/- + GST
12	Delayed Submission of Stock Statements Charges	Up to Limit Rs.25 Lakhs	Rs.100 + GST per instant of delay beyond 20 days of due date
		Limit of Rs.25 Lakhs & above	Rs.300/- + GST per instant of delay beyond 20 days of due date	Due date of submission is 10th of each month, whenever become due as per periodicity.
13	Non Submission of Renewal / Review Data, including Financial Papers Audited B/s etc		0.05% + GST per lac per month for delayed period on the amount of limit. Maximum Rs.1000/- p.m.	Delayed period is counted from 15 days before due date of Review / Renewal.
14	Line of Credit Certificate	For Existing Borrower	NIL
		For non-borrower but bank's regular customer	Line of credit up to Rs.25 Lakhs – Rs.1000/- + GST Line of credit above Rs.25 Lakhs – Rs.5000/- + GST
15	Valuation Charges (Gold Ornaments)	For Other than Pune Branches	0.15% + GST of Valuation of Gold Maximum Rs.1500/- & Minimum Rs.100/- + GST
		For Pune Branch	Up to Rs.5.00 Lakhs – Minimum Rs.500 or 0.25% of Valuation of Gold + GST Above Rs.5 Lakhs to Rs.10 Lakhs – Minimum Rs.1300/- or 0.25% of Valuation of Gold + GST Above Rs.10 Lakhs to Rs.15 Lakhs – 0.25% of Valuation of Gold + GST or Maximum Rs.3700/- + GST Above 15 Lakhs – Rs.4000/- + GST
16	Valuation of Immovable Property Charges	For Housing Loan / Home Plus Proposals	Rs.2500/- + GST per valuation for the proposal
		For Loans & advances other than Housing / Home Plus loans	For Valuation of Rs.5 Lakhs – Rs.1000 + GST For Valuation of >Rs.5 Lakhs to Rs.25 Lakhs – Rs.1000/- + @Rs.50 lakhs on above Rs.5 Lakhs + GST For Valuation of >Rs.25 Lakhs – Rs.2000/- + @Rs.40 per lakh on above Rs.25 Lakhs + GST
		For Spot Visit	If within the 50 kms of Branch periphery – No Charges. Beyond the periphery of 50 kms of branch – Rs.15/- per km for the distance from branch to spot + GST.
17	Prepayment Charges	Prepaid from own repayment	NIL
		Exposure for MSME sector up to Rs.50 Lakhs	NIL
		Other Loans	3% of limit if it is WC / Overdraft & 3% of outstanding of TL, if prepaid from other than own sources i.e. if it is taken over.
18	CIBIL Charges	For New Customers	Rs.300/- + GST for each CIBIL report
		For Existing Borrowers	NIL
19	Penal Charges	On overdue amount and violation of Terms & Conditions of Sanction	@3% on overdue amount and violation of Terms & Conditions of Sanction.

* Plus GST @ 18% which is to be rounded off to next Rupee if it is 50 paisa and above.

* Postages to be charged in a uniform way @ Rs.10/- per side for covers sent by ordinary post/courier & Rs.30/- per side for covers sent by Regd. Post/ Speed Post.