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| Operational Activities: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Good for Payment Charge | Free |
| 2 | Cancellation of Good for Payment Cheque | Free |
| 3 | Interest Earned Certificate/Other | Free |
| 4 | Account statement charge sent through fax/mail | Free |
| 5 | Cheque issuance against loss of requisition slip | Rs. 200 |
| 6 | Cheque book destroy crossing six months | Rs. 200 |
| 7 | Stop Payment Charge | Free |
| 8 | Withdrawal Slip/Issuance of One leaf Cheque | Rs. 50 |
| 9 | Dormant account activation fee | Free |
| 10 | Charge to publish death notice | Actual Cost |
| 11 | Account scheme change | Rs. 100 |
| 12 | Balance Certificate | Free |
| 13 | Account Closure Charge | Rs. 200 if closed within 6 months, otherwise free |
| 14 | Account Statement charge for 1 time | Free |
| 15 | Account Statement charge for more than 1 time | Reprint Rs. 50 per page (Institutional) / Rs. 10 per page (Individual) |
| 16 | Issuance of duplicate FD receipt | Rs. 300 |
| 17 | Standing Instruction (as per customer request) | Rs. 200 |
| 18 | Courier Charge | Actual Cost or minimum Rs. 100 |
| Record Retrieval | ||
| 1 | Within 6 months | Free |
| 2 | After 6 months | Rs. 500 per record |
| 3 | Record Retrieval Charge (CCTV Footage) | |
| a) | Retrieval on all case | Rs. 500 |
| b) | Records for view only purpose | Rs. 300 |
| c) | If required by regulators | Free |
| Clearing Charge: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Below Rs. 2,00,000 | Nil |
| 2 | Rs. 2,00,000 & above | Rs. 16.95* |
| 3 | Express Clearing | Rs. 113* |
| 4 | Late presentment | Rs. 226* |
| 5 | Inward cheque return | Rs. 200 |
| Interbank Payment Transaction Fees: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Up to Rs. 500 | Rs. 2.26* |
| 2 | Rs. 500 to Rs. 50,000 | Rs. 5.65* |
| 3 | Above Rs. 50,000 | Rs. 11.30* |
| 4 | Dividend up to Rs. 100 | Rs. 2.26* |
| 5 | Other IPS Transactions | As per NCHL |
| Connect IPS Transaction Fees: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Up to Rs. 500 | Rs. 2.26* |
| 2 | Rs. 500 to Rs. 5,000 | Rs. 4.52* |
| 3 | Above Rs. 5,000 | Rs. 9.04* |
| ATM Charges: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Joining Fee (Initial) | Free for 1st year |
| 2 | Replacement Fee | Rs. 200 |
| 3 | Re-Issuance Fee | Rs. 200 |
| 4 | Subscription Fee | Rs. 750 lump sum or Rs. 250 per year (from 2nd year) |
| 5 | Card Blocking/Unblocking Fee | Rs. 100 |
| 6 | Pin Registration Fee | Rs. 50 |
| 7 | Cash Withdrawal from Finance ATM | Free |
| 8 | ATM Charge if not collected within 90 days | Rs. 100 |
| 9 | Validity of the Card | 4 Years |
| Mobile Banking Charges: | ||
| S. No | Particulars | Fees & Charges |
| 1 | First Subscription | Lifetime Free |
| 2 | Renewal Fee for Mobile Banking | N/A |
| 3 | SMS Alert | Rs. 300 |
| 4 | Pin Code Generation | Free |
| 5 | Pin Code Re-Generation | Free |
| 6 | Inter Banking Fund Transfer | Rs. 11.30* per transaction |
| 7 | Block/Unblock Charge | Free |
| 8 | Mobile Number Modification | Rs. 50 |
| Loan Management/Service Charges: | ||
| S. No | Loan Type | Service Charge |
| 1 | Business Loan | 1.25% |
| 2 | SME Loan | 1.25% |
| 3 | Housing Loan | 1.25% |
| 4 | Personal Loan | 1.25% |
| 5 | Share Loan | 1.25% |
| 6 | Real Estate Loan | 1.25% |
| 7 | Gold Loan | 1.25% |
| 8 | Agriculture Loan | 1.25% |
| 9 | Educational Loan | 1.25% |
| 10 | Hire Purchase & Auto Loan | 1.25% |
| 11 | Hire Purchase & Auto Loan-Used | 1.25% |
| 12 | Heavy Equipment | 1.25% |
| 13 | Professional Loan | 1.25% |
| 14 | Bridge Gap Loan | 1.25% |
| 15 | Consortium Loan | As per Consortium Decision/LSA* |
| 16 | Deprived Sector Wholesale Lending | Up to 0.50% |
| 17 | Deprived Sector Retail | 1.25% |
| 18 | Renewal Charge for All Funded Loans | Max 20% of Service Charge per annum |
| 19 | Commitment Fee for Unutilized Limit (below 60% utilization) | Max 20% of Service Charge per annum |
| 20 | Prepayment Charge | |
| i) | Up to Loan Limit Rs. 50 Lakh | Nil |
| ii) | Term Loan over 50 Lakh | |
| a) | Up to 2 Years | 100% of Service Charge |
| b) | Above 2 Years to 5 Years | 50% of Service Charge |
| c) | After 5 Years | 20% of Service Charge |
| 21 | SWAP Charge | |
| a) | Up to 2 Years | 100% of Service Charge |
| b) | Above 2 Years to 5 Years | 50% of Service Charge |
| c) | After 5 Years | 20% of Service Charge |
| 22 | Loan Pre-disbursement Charge | Up to 0.25% per day or Rs. 5000 |
| 23 | Share Pledge Charge per Institution | Free |
| 24 | Collateral Replacement Charge | Rs. 5000 |
| Guarantee/Commission Charges: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Bid Bond | 0.25% per Quarter or Minimum Rs. 500 per Quarter |
| 2 | Performance Bond | 0.35% per Quarter or Minimum Rs. 750 per Quarter |
| 3 | Advance Payment | 0.50% per Quarter or Minimum Rs. 1000 per Quarter |
| 4 | Counter Guarantee | Flat Rs. 1000 |
| 5 | Amendment (except enhancement and extension) | Rs. 500 plus Commission as per above |
| 6 | CIC/Inquiry | As per Actual Charge |
| Other Documentation: | ||
| S. No | Particulars | Fees & Charges |
| 1 | Individual/Joint/Firm/Co. (For an attempt) - In letter head | Free |
| a) | Individual/Joint/Firm/Co. - In letter head | Up-to an attempt - Free for more than an attempt - Rs. 50 |
| 2 | B2B Transactions | |
| a) | BFIs/Insurance Cos./Cooperatives [Dr/Cr Advice/Slip] | Up-to an attempt - Free for more than an attempt - Rs. 50 |
| 3 | B2C Transactions | |
| a) | Individual/Joint - [Dr/Cr Advice/Slip] | Up-to an attempt - Free for more than an attempt - Rs. 25 |
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