SERVICE CHARGES W.E.F. 01-01-2010

Locker Rent (To enable system to collect, please define the new rent through “System administration >> Locker definitions >> Rent rule definition >> 955”)	Type of locker		Population group wise rate per annum
	Type	Locker Size	Urban	Semi Urban	Rural
	A	Small	1200	800	600
	B	Medium	1500	1000	750
	C	Large	1800	1200	900

Issue of Demand draft/Local DD commission	Amount Ranging from to	DD Commission	Local DD Commission
	Up to and inclusive of Rs.1000/-	Rs.20/-	Rs.20/-
	Above Rs.1000/- up to & inclusive of Rs.10000/-	Rs. 30/-	Rs. 30/-
	Above Rs.10000/- up to Rs.1 Lakh	Rs. 2.50 per 1000/- or part thereof with a minimum of Rs. 30/-	Rs. 1.50 per 1000/- or part thereof with a minimum of Rs. 30/-
	Above Rs.1 Lakh	Rs. 3 per 1000/- or part thereof with a maximum of Rs.10000/-	Rs. 1.50 per 1000/- or part thereof with a maximum of Rs.7500/-

Revalidation/Cancellation/Issue of Duplicate DD/ local DD	Amount Ranging from to	Charges
	Up to Rs. 1 Lakh	Rs. 50/- per DD
	Above Rs.1 Lakh to less than Rs. 10 Lakh	Rs. 100/- per DD

Cash Handling Charge

Norms

FOR CASH REMITTANCE TO CA / OD / OCC ACCOUNTS

� No charges for cash remittances of up to Rupees One Lakh per day per account.

� No charges for cash tendered in denominations of Rs. 100/- and above

� For cash deposits above Rs. 100000/-, cash handling charges @ Rs. 5/- per packet tendered (1 packet = 100 pieces), shall be collected for denominations below Rs.100/-, subject to a minimum of Rs. 50/- and a maximum of Rs. 5000/- per transaction.

� Cash handling charges shall be collected from customers for remitting cash to the credit of their CA / OD / OCC accounts, as above.

� Customers are exempted from cash handling charges for remitting cash to their SB accounts irrespective of the amount.

� If a customer makes two or more remittances of cash in a day, cash handling charges shall be collected, if the total remittance during the day exceeds the exempted limit of Rupees One Lakh.

� If the branch finds that any customer is regularly remitting huge cash through smaller denomination, the branch may increase the per-packet charges with the approval of RO.

Cheque collection charges – Levy of service charges for outstation cheques/ inward cheques for collection (for both outward (OSC)/inward (ISC) cheque/instruments)	Amount	Charges
	Up to Rs.10000/-	Rs.50/- per instrument
	Rs. 10,001/- to 1,00,000/-	Rs.100/- per instrument
	Rs. 1,00,001/- and above	Rs.150/- per instrument

Bills for collection - Outward/Inward (Clean/Documentary/Demand/Usance)	Amount	Charges
	Up to & inclusive of Rs. 20000/-	Rs.100/-
	Above Rs. 20000/- up to & inclusive of Rs. 1 Lakh	Rs. 5/- per 1000/-or part thereof. Minimum Rs.100/-
	Above Rs.1 Lakh up to & inclusive of Rs.10 Lakh	Rs. 6/- per 1000/- or part thereof.
	Above Rs. 10 Lakh	Rs. 7/- per 1000/- or part thereof with a maximum of Rs.10000/-

Cheques/Bills lodged in SB/CA/OD/OCC

Cheque/Bill return charges (Local instruments)	Particulars	Outward Returns	Inward Returns
	Particulars	Return of outward instruments (Outward local cheques / instruments including Local Clearing Cheques/LOSCs etc., lodged by customers for collection and returned to us by other Banks/Branches ) - Collected as handling charges.	Return of Inward Instruments (Inward Local Cheques/Clearing instruments received for payment but returned to other Banks/Branches) only in case of the cheque/instruments being returned for want of funds/similar reasons (to be debited from our drawer customer's a/c.)
	Cheques/Bills lodged in SB	Rs.20/- per instrument	Rs.20/- per instrument
	Cheques/Bills lodged in CA/OD/OCC	Rs.50/- per instrument	Rs.50/- per instrument

Cheque/Bill return charges (Outstation instruments)	Particulars	Outward Returns	Inward Returns
	Particulars	Return of Outward Instruments (Outward Outstation Cheques/Instruments including OSCs lodged by customers for collection and returned to us by other Banks/Branches)	Return of Inward Instruments (Inward Outstation Cheques/Instruments received for payment but returned to other Banks/Branches)
	Cheques (SB/CA/OD/OCC)	50% of applicable collection charges, with a minimum of Rs. 25/- + Postage	50% of applicable collection charges with a minimum of Rs. 25/- + Postage
	Bills (SB/CA/OD/OCC)	50% of applicable collection charges, with a minimum of Rs. 75/- + Postage	50% of applicable collection charges, with a minimum of Rs. 75/- + Postage

Cheque book issue charges (SB/CA/OD/OCC Accounts)	Particulars	SB	CA/OD/OCC	Remarks
	MICR Cheques	Rs. 3/- per cheque leaf	Rs. 3/- per cheque leaf	The MICR/Non-MICR cheques charges for SB accounts are levied only for the additional leaves issued in excess of the free entitlement.
	Non MICR Cheques	Rs. 2/- per cheque leaf	Rs. 2/- per cheque leaf
	Free cheque leaves in a calendar year	60 leaves free	No free leaves

Issuance of no due certificate

No charges

Charges for non maintenance of minimum balance in a half year when the balance falls below the applicable minimum in a half year (applicable for both operative /inoperative accounts)	Head		Charges
	GJSB		Nil
	SB	Without cheque book facility (Min. Balance - Rs.200/-)	Rs.30/- to be collected half yearly as at June & December
		With cheque book facility (Min. Balance - Rs.1000/-)	Rs.60/- to be collected half yearly as at June & December
	CA (Min. Balance - Rs.2000/-)		Rs.100/- to be collected half yearly as at June & December
SB	Nil

Charges for closure before 1 year	Head		Charges	Exemptions	Remarks
	GJSB		Nil	- Closed for transferring to another branch - Closed for opening another account in joint name - Closed due to the death of the A/c holder	Exemptions should be handled manually i.e. branches can reverse the charges debited by the system in the exempted cases
	SB	Without cheque book facility	Rs.25/-
		With cheque book facility	Rs.50/-
	CA		Rs.150/-

Safe custody charges	Charges	Applicable to
Safe custody charges	Rs.100/- per month per loan with a maximum of Rs.600/-	Presently applicable only in cases of Gold loan packets not released after closing the GL account

Standing instruction charge (To enable system to collect, define the charges while lodging Standing Instruction in the General Standing Instruction Maintenance)	Nature of Standing Instruction	Charges
	For transfer of funds to customer's own a/c within the same branch	Nil
	For transactions involving credit to another A/c within the same branch	Rs.5/- per transaction.
	For transfer of funds to other branches and outside agencies	Rs. 10/ per transaction plus actual remittance charges

Ledger folio charge

SB/OD/OCC

Remarks

Rs.30/- per ledger page

Nil

40 entries or part thereof shall be treated as one page
To be collected on half yearly basis (September & March)
Free folios can be provided based on the average credit balance as shown below:

Daily Average Credit Balance	Number of folios free
Upto Rs. 25000/-	NIL
Above Rs. 25000/- up to Rs. 50000/-	3 ledger pages
Above Rs.50000/- up to Rs. 100000/-	5 ledger pages
Above Rs.100000/- up to Rs. 200000/-	10 ledger pages
Above Rs.200000/-	No folio charges.

Other basic banking services	Nature of charge	Charges
	Issue of duplicate deposit receipt	Rs.50/- per receipt
	Loss of locker key	Actual break open charges and Rs.100/-as miscellaneous charges
	Locker operations	No charges
	Signature verification including attestation of customers signature/photos	Rs. 30/- per attestation/case

Issue of pass book/pass sheet/ statement	Particulars	Charges for SB/CA/OD/OCC
	First set	Free of charges
	Additional set /copies/duplicate pass book	Rs.20/- per occasion

Stop payment instructions/Revocation of instructions	Particulars	SB	CA/OD/OCC	Remarks
	Stop payment instructions including for range of cheques /blank cheuqes/ cheque book lost etc.	Rs.30/- per cheque leaf Maximum Rs.200/- per occasion	Rs.100/- per cheque leaf Maximum Rs.500/- per occasion	Amount deducted by the system over and above the maximum should be reversed manually.
	Cancellation/revocation of instruction	Rs.10/- flat per instruction	Rs.10/- flat per instruction

Postal Tariff/ out of pocket expenses. Postal Tariff should be collected wherever applicable	Particulars	Charges	Remarks
	Ordinary Post	Actual. Minimum Rs. 10/- per envelope	Postages/out of pocket expenses are in addition to service charges applicable mentioned elsewhere.
	Regd. post/Courier	Actual. Minimum Rs. 30/- per envelope
	Telegram/Fax/Telephone only at the request of customer	Actual. Minimum Rs.50/- per message or actual charges whichever is higher.

PROCESSING CHARGES & OTHER CHARGES ON LOANS AND ADVANCES

Group	Category of loan	Charge	Minimum	Maximum
Loans granted under SGSY/SJSRY/PMEGP/DRI irrespective of loan amount		Nil	NA	NA
Other Priority sector loans up to and including Rs.25,000/- (except gold loans)		Nil	NA	NA
Priority Sector Short Term Loans above Rs.25,000/- (except gold loans) (For OCC/OD Accounts, processing charges shall be collected at the time of each renewal. Even for broken period wherever there is delay in renewal, the processing charge shall be collected proportionately. Processing charge for the broken period should be collected manually.)		Rs.100/- per lakh	Rs. 100/-	Rs.20000/-
Priority Sector Term Loans above Rs.25,000/-	Vehicle Loans	Rs.200/- per lakh	Rs. 500/-	Rs.5000/-
	Educational loans for studies in India	Nil	NA	NA
	Educational loans for studies abroad**	0.5% of loan amount	Rs. 500/-	Rs.10000/-
	Others (including housing loans)	0.5% of loan amount	Rs. 500/-	Rs.20000/-

Non priority loans irrespective of limit (^##For OCC/OD Accounts, processing charges shall be collected at the time of each renewal. Even for broken period wherever there is delay in renewal, the processing charge shall be collected proportionately. Processing charge for the broken period should be collected manually.)	Short term^##	Rs.200/- per lakh	Rs. 500/-	Rs.25000/-
	Term loans	1% of loan amount	Rs. 1000/-	Rs.25000/-
	VSL/OD against term deposits & staff loans	Nil	NA	NA
CDB	OSC Commission plus interest @ non-priority maximum (Minimum of 7 days' interest to be charged)

** In case of studies abroad, wherever the loan amount exceeds Rs.25000/-branches have to collect processing fee in the form of refundable deposit on the following terms and conditions:

� 0.5% of loan amount subject to a Minimum of Rs.500/- and maximum of Rs.10,000/-

� The refundable deposit is collected upfront and is to be kept in SL- Refundable Deposit/Processing fee for educational loans for studies abroad.

� In case educational loan is sanctioned and the loan is availed by the student borrower, the refundable deposit is to be credited to the educational loan account of the student borrower on the date of the first disbursement itself.

� In case educational loan is sanctioned but the loan is not availed by the student borrower, the refundable deposit is to be treated as processing fees and adjusted to Commission account. Branches have to ensure that no amount shall outstand in SL under this category for more than 6 months.

� In case the educational loan is not sanctioned, the refundable deposit shall be refunded to the applicant.

� This process (from collecting the service charges in SL account till the adjustment of the same) should be carried out manually.

INSPECTION CHARGES
Group	Charge	Maximum
Loans granted under SGSY/SJSRY/PMEGP/DRI/ VSL/OD against Term Deposits & Staff Loans - Irrespective of loan amount	Nil	NA
Other Loans up to Rs. 25000/-	Nil	NA
Loans above Rs. 25,000/- & up to Rs. 2 lakhs - (System will collect the charges)	Rs.50/- per visit	Rs.300/- per annum
Above Rs. 2 lakhs up to Rs. 5 lakhs - (System will collect the charges)	Rs.100/- per visit	Rs.600/- per annum
Above Rs. 5 lakhs - (System will collect the charges)	Rs.150/- per visit	Rs.1800/- per annum

	JEWEL APPRAISAL CHARGES
Group	Charges
Appraisal charges	Rs. 3.50 per thousand with a minimum of Rs. 5/- and a maximum of Rs. l50/-
Reappraisal charges	Rs. 5/- per Account + Actual bus fare
Second appraisal charges	Rs. 30/- per Account (For loans above Rs.50000/-)
Attending gold auction	Rs. 100/- per day
Incidental Charges on Gold Auction	4% of auction proceeds

Group

Category of loan

Charge

Minimum

Maximum

All categories of gold loans except SGL (per loan account charges)

For gold loans closed within 91 days the following concessions are extended.

25% of applicable rate shall only be collected if the gold loan account is closed within 31 days of pledge.

50% of applicable rate shall only be collected if the gold loan account is closed beyond 31 days but within 91 days of pledge.

Applicable service charges per packet shall be collected in full, if the gold loan account is closed after 91 days of pledge.

While arriving at 25%/50% as the case may be the amount of service charges should be rounded off to the nearest rupee.

Loans up to Rs.3000/-

Rs.10/-

Above Rs.3000/- & up to Rs.5000/-

Rs.20/-

Above Rs.5000/- & up to Rs.10000/-

Rs.50/-

Above Rs.10000/- & up to Rs.25000/-

Rs.100/-

Above Rs.25000/- & up to Rs.50000/-

Rs.150/-

Above Rs.50000/- & up to Rs.100000/-

Rs.200/-

Above Rs.100000/-

Rs.300/-

Guarantee commission

Rs.1OO/- + 0.50% per quarter or part thereof with a minimum of 1%. Commission on the guarantee is based on the guarantee amount and commission for the full period should be collected upfront. Concessions are permissible on case to case basis if there is 100% cash margin, Branches to take up with HO.

Valuation of immovable properties - For action under SARFAESI Act

Fee for valuation of immovable property

� The minimum fee payable is fixed as Rs.1500/-

� The above fee of Rs. 1500/- is inclusive of conveyance charges, cost of photograph and other expenses.

� When valuation is done for different properties not lying contiguously, additional fee of Rs. 100/- for each additional property can be paid in addition to the above fee of Rs. 1500/-

Valuation of securities by panel valuers - Revision in valuation fee	We are engaging the services of external valuers for valuation of properties obtained as primary/ collateral security, when the loan limit exceeds Rs.5 lakhs. The fee payable to panel valuers is as follows. The fee shall be borne by the customers, which should be collected by the branches upfront and paid to the valuers. Valuers are not eligible for any other remuneration other than the valuation fee as given below.
	Land & Building	0.1% of loan amount/outstanding subject to a maximum of Rs. 1500/- and minimum of Rs. 750/-
	Plant, Machinery, Stock, Book Debts, etc.	0.4% of the loan amount/outstanding subject to a maximum of Rs. 1500/-
	AI! Items together	0.4% of the loan amount/outstanding subject to a maximum of Rs. 2000/- out of which, fee for value of landed property should not exceed Rs. 1500/-
	Issuing stage Certificate where Building Construction is involved.	Rs. 250/- for each stage.

Legal charges/notice charges of SARFAESI notices	LSR fee	0.5% of loan amount with a minimum of Rs. 500/- and a maximum of Rs. 1000/- including the fee for verification of registry records.
	Legal notice charges	Rs. 150/- + actual postage per loan account. If notice is issued to more than 2 persons (borrowers/co-obligants) additional fee of Rs. 50/- plus postage for such additional notices. In case of notice to guarantors the same rate shall apply for guarantors separately.
	Irrecoverable charges for suit filing	Rs. 350/- per suit as clerkage and actual photostat charges (Maximum Re.1/- per page) Irrecoverable charges of Rs. 200/- per EP. Additional fee of Rs. 150/- for filing ABJ.
	Charge for notices issued under SARFAESI	Rs. 150/- + actual postage for Demand notices, Possession notices and Sale notices separately under SARFAESI Action.

SERVICE CHARGES FOR STAFF MEMBERS OF THE BANK/ RETIRED EMPLOYEES/

SPOUSE OF DECEASED EMPLOYEES/ SPOUSE OF DECEASED RETIRED EMPLOYEES

Concessions permitted for - � Staff members of the bank � Retired employees � Spouse of the deceased employee � Spouse of the deceased retired employee	The following facilities/items of service may be extended to the above category of persons without Levying commission, postage and other charges:
	Issue of DDs and Local DDs
	Collection of all Outstation and local instruments, deposit receipts, transfer of deposit accounts, provided the instruments in question are drawn in their favour (Not endorsed in their favour)
	Discounting of Drafts and other specified instruments in their favour (Not endorsed in their favour)
	Cancellation/Revalidation of DDs issued to them
	Issue of Duplicate DDs, Pass Books and Deposit Receipts
	For instruments drawn on other Banks, charges levied by other Banks are to be borne by the Beneficiary

INSPECTION CHARGES

Group

All categories of gold loans except SGL (per loan account charges)

SPOUSE OF DECEASED EMPLOYEES/ SPOUSE OF DECEASED RETIRED EMPLOYEES