"Bank for U - Banking for All"
"Bank for U - Banking for All"
| Amount of cheque | |
|---|---|
| Upto Rs.5000/ | Rs. 40/- Per instrument |
| Above Rs.5000/- upto Rs.10000/- | Rs. 80/- Per instrument |
| Above Rs.10000 - upto Rs.1 lakh | Rs.150/- per instrument |
| Above Rs.1 lakh | Rs.236/- per instrument |
| The above charges will be all inclusive.No additional charges i.e.courier charges, out of pocket expenses etc.should be levied from the customer. | |
| A. Collection Charge | |
|---|---|
| Upto Rs.10000/- | Rs.120.00 per instrument |
| Above Rs.10000/ | Rs. 13/- Per Rs.1000/- or part thereof, Max. Rs. 31,506/- |
| CHEQUES | |
| 3.1 For Returned Unpaid Outstation Cheques and /Outstation Bills | |
| Cheques upto Rs. 1lac | |
| a) Individual - Rs. 250/-(10% rebate for Senior Citizen) | |
| b) Others - Rs. 300/- | |
| Cheques above RS. 1 lac uptoRs. 100 lac | |
| a) Individual – Rs. 500/-per instrument | |
| b) Others - Rs. 700/- | |
| Cheques above Rs. 100 lac | |
| Rs. 1000/- per instrument | |
| 3.2 For Unpaid Local Cheques Returned to Branch | Cheques upto Rs. 1lac |
| a) Individual - Rs. 108/-(10% rebate for Senior Citizen | |
| b) Others - Rs. 160/- | |
| Cheques above RS. 1 lac uptoRs. 100 lac | |
| Individual – Rs. 215/-per instrument | |
| 3.3 For inward clearing cheque (including ECS mandates) Returned unpaid | |
| 3.3.1 Upto Rs.1 lac | Rs.250/- |
| 3.3.2 Above Rs.1 lac | Rs.700/- |
| Note : No ECS charges to be levied in respect of Income Tax refund order as per the extant RBI directives. RBI charges if applicable shall also be loaded to above charges. | |
| 4.1 Outstation cheques | Per instrument Normal collection charge + Applicable intt. |
| 4.2 Local cheques purchased | Applicable intt. Min. Rs.103/- |
| 4.3 Local Bills returned unpaid | 50% of collection charge, Min. Rs.205.00 plus returning charges |
| 4.4 Outstation Bills returned unpaid | 50% of collection charge, Min. Rs.205.00 plus returning charges |
| 5.1 Charges for presentation of usance bill for acceptance | Rs. 200/- per Bill |
| 5.2 Charges for change of instruction (for both usance and demand bill) per occasion | Rs.200/- per Bill |
| 5.3 Charges for free delivery of documents (under collection of bills) or to be returned back as unrealised | Full commission as per collection of bills Min. Rs.200/-+ out of pocket expen. |
| 6.1 Electronic Clearing Service-CREDIT | ||
| For Individual | No charge to individual beneficiaries account | |
| For Corporate Bodies/Institutions | Upto 10000 entries per occasion | Rs 6/- per entry + RBI/NPCI or destination bank charges if any |
| Above 10000 upto 1 lac entries per occasion | Rs 5/-per entry + RBI/NPCI or destination bank charges if any Min 45000/-. | |
| Above 1 lac entries per occasion | Rs 5/-per entry + RBI/NPCI or destination bank charges if any Min 400000/- | |
| 6.2 Electronic Clearing Service- DEBIT | ||
| ECS charges for debit CLEARING ( only for Corporate bodies / institutions) | Debit Clearing : Rs 4/-per transaction + RBI/NPCI or destination bank charges if any Min 2890/- | |
| 6.3 Electronic Clearing Service – DEBIT RETURN charges (ECS Return for insufficiency of funds) | ||
| Amount | Individual Account | Other Accounts |
| Upto Rs. 1.00 lac | Rs. 120/- per occasion (For senior citizens 10% rebate) | Rs. 20/- per occasion. |
| Above 1.00 lac and upto Rs.10.00 lac | Rs. 250/- | |
| Above Rs.10.00lac uptoRs.100.00 lac | Rs.650/- | |
| Above Rs. 100.00 lac | Rs. 1200/- | |
| Note : No ECS charges to be levied in respect of income tax refund orders as per extant . RBI charges if applicable shall also be loaded to above charges . | ||
| a) Actual postage cost/telegram charges and other out of pocket expenses are to be recovered in addition to the prescribed charges.However, charges prescribed under "Collection of outstation cheques (item 1 above) are inclusive of postal/courier charges etc. |
| b) In case of cash transactions for collection of cheques/bills an additional charge of 30% over the prescribed rate to be charged. |
| c) In case of cheques and bills collected through another bank, both banks should recover 50% of their respective collection charges. |
| d) As per our agreement with UCO Bank, UCO Bank will charge Rs.30/- for collection of outstation cheque which is to be treated as out of pocket expenses. |
| 8.1 Issuance of Demand Draft / PO / TT (other than against tender of cash) | |
| Amount of Demand Draft | |
| Upto Rs.10000/- | Rs . 60/- per instrument |
| Above Rs.10000/- | Rs.6/- per thousand or part thereof Min.Rs.60/- Max.Rs.25000 /-- |
| 8.2 Remittance through Electronic Mode –NEFT/ RTGS {Inward charges free} | |
| RTGS | |
| Rs.2 lacs to less than Rs.5 lacs | |
| a) From 8 a.m to 11 a.m.- Rs. 30/- | |
| b) After After 11 a.m. to 13.00 hours – Rs. 30/- | |
| c) After 13.00 hrs to 16.30 hrs. – Rs. 30/- | |
| Rs.5 lacs and above | |
| a) From 8 a.m to 11 a.m. - Rs. 60/- | |
| b) After 11 a.m. to 13.00 hours – Rs. 60/- | |
| c) After 13.00 hrs to 16.30 hrs. – Rs. 60/- | |
| NEFT | |
| Up to Rs. 10000/- | Rs. 3/- per transaction |
| Above Rs. 10000/- and up to Rs 1,00,000/- | Rs. 6/- per transaction |
| Above Rs. 100000/- and up to Rs. 2,00,000/- | Rs. 18/- per transaction |
| Above Rs. 2 ,00,000/ | Rs. 30/- per transaction |
| 8.3 Issuance of DD/PO/ TT/ Pay Order against tender of Cash (restricted to amount less than Rs.50,000/-) | Additional 50% over the normal charges to non-customers & 30% to the customers shall be levied. |
| 8.4 Miscellaneous | |
| a) Issuance of Duplicate DD/Pay Order | Rs. 180/- per instrument |
| b) Revalidation of DD/Pay Order | |
| c) Cancellation of DD/Pay Order | |
| (a) Cheque Collection charges (i) Deposit of cheques of same centres (base/Non-base branches) | Collection of local cheque by any CBS branch at the same centre where base branch is located (e.g. customer having an account at a CBS branch in Howrah and cheque drawn on any bank in Howrah deposited at any CBS branches participating in Clearing House) - FREE |
| (ii) Deposit of cheques of other centres | Outstation cheque collection charges + fund transfer (Intersol) charges shall be levied. |
| b)Deposit/withdrawal of Cash | at local non-base branch Upto Rs.25,000/- per day-free Above Rs.25000/- @ Rs.2.00 per Rs.1000/- or part thereof (Min. Rs.30/- per transaction) Max.Rs.12500/- |
| at outstation (non-base) branch Upto Rs.25,000/- per day-free Above Rs.25000/- @Rs.3.00 per Rs.1000/- or part thereof (min.Rs.50/- per transaction) | |
| Note: For deposit of Cash - Cash handling charges shall be levied as applicable in addition to charges as aforesaid.(Cash withdrawal at non-base branches by self only with maximum amount Rs. Fifty thousand per day per account. ) | |
| c) Fund Transfer between CBS branches (Non-cash) | Free |
| 10.1 Current/ CC / OD Accounts | Account Maintenance Charges CA/CC A/c Rs. 3/- per entry Minimum- Rs.60/- Maximum Rs.1200/- per quarter subject to free entries Quarterly Avg Credit balance upto Rs25000 -Nil 25001- 50000 - 50 50001 to Rs 1 lac - 75 100001 to Rs 2 lac - 125 200001 to Rs 5 lac - 250 Above Rs 5 lac - All Free |
| Note : If no transaction is made during the quarter , a minimum of Rs. 55/- would be charged as ledger Maintenance Charge | |
| 11.2 Charges for additional debit entries in S.B. A/cs. | |
| Free debit entries permitted | No. per half year - 50 |
| Charges for additional debit entries [*] | Per addl. Entry Rs.15/- |
| [*] No charge shall be levied (i) if the balance in the account is maintained above Rs.25000/(ii) for Government Account (iii) standing instruction for debit entries | |
| (a) Savings Bank Accounts | |
| Balance Rs.1000 or more | NIL |
| Balance < Rs.1000/- > Rs.80 | Rs.80/- per half year |
| Balance below Rs.80/- | *Available balance and a/c to be closed under advice to customer. |
| * After giving notice entire balance to be appropriated & account should be closed.No charges of BSBD and PMJDY account | |
| (b) Current | |
| Irrespective of Balance | Rs. 200/- per half year |
| S. B A/c with cheque Facility | ||
| Minimum Balance | Individual | Other |
| Rural | 250 | 250 |
| Semi-Urban | 500 | 1000 |
| Urban& Metro | 1000 | 1500 |
| S. B A/c without Cheque Facility | ||
| Minimum Balance | Individual (Min. Bal.) | |
| Rural | 100 | |
| Semi-Urban | 250 | |
| Urban& Metro | 500 | |
| Current Account | Individual | Other |
| Rural | 1000 | 2000 |
| Semi-Urban | 2000 | 2500 |
| Urban & Metro | 3000 | 5000 |
| Charges for non-maintenance of minimum balance in account of Sr. Citizen are not to be levied for the first default. The depositor to be advised to make good the gap failing which applicable default charges as mentioned above shall be applied. | ||
| (a) SB with cheque facility (Per occasion ) | ||
| i) If shortfall is uptoRs. 100 = Penal charges will be 26.00% of shortfall . Min Rs. 10/- | ||
| ii) If shortfall is above Rs. 100 but below Rs. 500 = Penal charges will be 36.00% of shortfall | ||
| iii) If shortfall is above Rs. 500 but uptoRs. 1500 = Penal charges will be 41.00% of shortfall | ||
| (c) Current | Per quarter 550/- | |
| Note1: Default in non-maintenance in minimum balance shall be reckoned on average monthly balance in the account. Note 2: Charges for non-maintenance of minimum balance in account of Sr. citizen are not to be levied for the first default. The depositor to be advised to make good the gap failing which applicable default charges as mentioned above shall be applied. | ||
| Savings Bank | |
| Without Cheque Book : Rs.275/- | |
| With Cheque Book : Rs.375/- | |
| Current /CC | For firms & Companies and others : Rs.1000.00 |
| Note: No Charges shall be levied in case of (i)death of depositer and transfer of deceased depositor's A/C. to our other branch (ii) Basic and Small accounts opened under BSBD (iii) Closure after 12 months for SB/CA/CC | |
| (a). Savings Bank (Per leaf) | |
| MICR & Non-MICR, CTS- 2010 | Rs. 4 per leaf. (including multicity cheques) |
| Free Chq. Leaves in a half year | |
| Rural Branches | No. of Chq. Leaves 25 |
| Other Branches | No. of Chq. Leaves 25 |
| (b).Current / Cash Credit (per leaf) | |
| MICR & Non-MICR, CTS-2010 | Per leaf Rs.4/- (including multicity cheques) |
| Daily statement | Rs.1200/- per year. For repeat request, Rs.4/- per entry. Min. Rs.205/- per request |
| Weekly statement | Rs.550/- per year for repeat request, Rs.4/- per entry. Min. Rs.205/- per request |
| Monthly Statement | Once Free, thereafter, Rs.4/- per entry. Min. Rs.205/- per request |
| 17.1 Individuals | Rs.150/- per occasion |
| 17.2 Others than individuals | Rs.150 per occasion |
| 17.3 Charges for previous entry | Rs.150/- plus additional Rs.60/- per page(40 entries) |
| Charge for issuance of duplicate interest certificate/balance certificate | Rs.200/- per occasion |
| 19.1 Individuals | Rs.200/- per instance |
| 19.2 Other than individuals | Rs.200/- per instance |
| Charge for addition/ deletion of names/change in operational instructions / recording of power of attorney in accounts of individuals (other than deceased A/c) | Rs.150/- per occasion |
| Charge for change in constitution/ operational instruction/ authorized signatory/ recording power of attorney in accounts other than individuals | Rs.400/- per occasion |
| 22.1 Savings Bank | |
| Other than Rural branches | Rs.150/- per cheque Max.Rs.750/- per lot |
| For Rural Branch | Rs.120/- per cheque Max.Rs.710/- per lot |
| 22.2 Current Account | |
| Other than rural branches | Rs.260/- per cheque Max.Rs.10802/- per lot |
| For Rural Branch | Rs.240/- per cheque Max Rs.1150/- per lot |
| 23.1 Issuance of New ATM Card /Pin / Add on | Rs. 30/- |
| 23.2 Annual Maintenance Charges(if used) | Rs.120/-to be levied in advance on cards that have been used once or more since inception.
Note : No charge for Staff / Ex-staff/PMJDY/BSBD accounts |
| 23.3 Duplicate Card/ Duplicate Pin | For Duplicate Card Rs. 100/-per occasion per card
For Duplicate Pin 70/-per occasion Note : No charge for Staff / Ex-staff/PMJDY/BSBD accounts |
| 23.4 ATM Transaction Charges – Savings Bank Account (Average Monthly Balance)-Charges based on no. of Transactions | Monthly Limit on number of free ATM transactions (Both Financial and Non Financial) |
| - | ATM of Other Banks | UCO | |
| - | Metro Centers* | Other Centers | Any Center# |
| Upto Rs.25000 | 3 | 5 | 5 |
| >25000 upto Rs.100000 | 3 | 5 | Unlimited |
| >100000 | Unlimited | Unlimited | Unlimited |
| Charges for Financial Transactions beyond the set limit (Rs. Per Transaction) | Rs. 20/- | Rs. 20/- | Rs. 5/- |
| Charges for Non Financial Transactions beyond the set limit (Rs. Per Transaction) | Rs.7.08/- | Rs.7.08/- | Rs.5/- |
| *Metro: Mumbai, New Delhi, Chennai, Kolkata, Bangalore & Hyderabad # These Charges will not be applicable to Small/No Frill/BSBDA Account Holders | |||
| 23.5 ATM Transaction Charges – Current Account | Other Bank’s ATM | UCO Bank ATM |
| Monthly Limit on number of free ATM transactions (Both Financial and Non Financial) | 5 | 5 |
| Charges for Financial Transactions beyond the set limit (Rs. Per Transaction) | Rs.20/- | Rs.20/- |
| Charges for Non Financial Transactions beyond the set limit (Rs. Per Transaction) | Rs.7.08/- | Rs.7.08/- |
| 23.6 IMPS Charges | Existing Rate | Revised Rate |
| Upto Rs. 10000/- | Nil | Rs. 3/- |
| Rs. 10001/- and above | Nil | Rs. 6/- |
| RD of all tenure | Rs.2. for Rs.100/- per month. |
| Registration | |
| Same branch and in same name | per transaction - Nil |
| Same branch but in different name | Rs.50/- individual |
| Involving another branch | Rs.100/-others per transaction |
| Charge for insufficiency of funds to carry outstanding instructions | Rs.100/- per occasion |
| Charge for issuance of Solvency Certificate (per certificate) | Rs.350/- per lac Min.Rs.1000/- Max.Rs.17000/- |
| Enquiry relating to old records (more than 12 months old) | Upto 1 year old record Rs. 150/- per reference. Beyond 1 year Rs. 400/- per year per reference+ out of pocket expense |
| Loss of safe deposit locker key | Rs. 650/- + actual expenses for breaking and replacement of the locker |
| Photo attestation charges | Rs. 150/- per certificate |
| Tech Usage charges | Rs. 18/- per quarter |
| Issue of Duplicate Deposit receipt. | Rs. 150/- per request per instrument |
| Record copy of the cheque | Rs. 150/- per instance |
| Note :(1) In case of tierised deposit products (SB A/c / CA), no frills SB A/c and other products etc.benefits/concession as per the relevant scheme shall apply. | |
| 32. Cash Handling Charges | i) Upto 10 packet – Free |
| ii) Above 10 Packet = Notes uptoRs. 100 denomination @Rs. 10/- per packet ,Maximum Rs. 10426/- | |
| iii) Notes above Rs. 100 denomination @Rs. 8/- per packet , Maximum Rs.10426/- |
| 1 | Schedule of Locker Rent (inclusive of all taxes) | ||
| TYPE | Rural / SU | Urban/Metro | |
| i) Small | 1200/- | 1400/- | |
| ii) Large | 2500/- | 3500/- | |
| 2 | Locker Rent for Staff- Members | Rural / SU | Urban/Metro |
| A Type (one locker only) | 700/- | 800/ | |
| 3 | Penalty for late payment of Locker Rent ( per quarter or part thereof) : | ||
| A & B Type | 100/- | ||
| 4 | Locker standing in the name of retired/ deceased staff members | ||
| Locker standing in the name of retired/ other member of staff and in case of deceased staff members on transfer to the name of the spouse upto the end of his/her life may continue with staff concession. | |||
| 1 | Concessions / Exemptions in service charges in respect of collections, remittances and deposits : |
| 2 | Collection of instruments favouring Welfare Service, Charitable & Religious Institution may be allowed at par provided that these institutions are exempted from payment of Income Tax and also bank with us. However actual postage/transmission charges and out of pocket expenses must be recovered while collecting instruments for the above customers. |
| 3 | Collection of subsidy cheques issued by the Central and State Governments under any programme whenever applicable is to be collected at par. |
| 4 | Cheques/ Drafts favoring Prime Minister’s Relief Fund/Chief Minister’s Relief Fund are to be collected at par. However actual expenses like postage etc. should be recovered.. |
| 5 | Collection of cheques at par and free remittance facilities by way of DD may be allowed to blind and physically handicapped and also to institutions set up for their welfare/benefit , provided they bank with us. However, actual postage charges and out of pocket expenses should be recovered. |
| 6 | No service charges in respect of the following services are to be recovered from Defence Personnel in active service, the ex-servicemen and from the widows of the Defence Personnel i) Collection of cheques ii) Remittance by DD to schools and colleges and to family members who are dependent. iii) Any remittance other than above, only upto Rs.10000/- iv) In house standing instruction v) Next kin/dependents may be allowed to collect death benefit of the deceased servicemen free of charge. |
| 7 | A senior citizen maintaining average balance of Rs.10000/- in his/her SB A/c with any of our branch may remit at par funds to the debit of his/her SB a/c to credit to his account at any of our branch. |
| 8 | Free collection facility at Rural Branches – For ex-servicemen/senior citizen pensioners, free collection of outstation pension cheques will be allowed. |
| 9 | Concessions for Staff Members (existing & retired) : |
| a) No Service Charge should be levied on transaction conducted by our staff members. | |
| b) No service charge should be levied on transaction conducted by ex-staff member if he is not employed gainfully | |
| c) 'A' type locker at concessional rate. | |
| d) Minimum balance maintenance criteria not applicable | |
| Note: All out of pocket expenses to be recovered. | |
| 10 | Chairman may reduce the service charges on the merit of the case referred by the Regional Office. |
| Amount of Advance | Existing | Revised rate. |
|---|---|---|
| Up to Rs.25, 000/- | Nil | Nil |
| Above Rs.25, 000/- | Rs. 385.00 per lac & part thereof Min. Rs. 385.00 | Rs. 400.00 per lac & part thereof Min. Rs. 400.00 |
| Amount of Advance | Existing | Revised rate. |
|---|---|---|
| Up to Rs.25,000/- | Nil | Nil |
| Above Rs.25,000/- | Rs. 385.00 per lac& part thereof Min. Rs. 385.00 | Rs. 400.00 per lac& part thereof Min. Rs. 400.00 |
| I. Fresh Term Loan/DPG sanctioned excluding loans sanctioned under Retail Segment | Existing | Revised rate. |
|---|---|---|
| Up to Rs.25,000/- | Nil | Nil |
| Above Rs.25,000/- | 1.18% of the Sanctioned limit Min Rs. 710/- | 1.18% of the Sanctioned limit Min Rs. 710/- |
| II. Review of Term Loan (On Run down Balance) | ||
| Up to Rs.25,000/- | NIL | Nil |
| Above Rs.25,000/- | Rs. 154/- per lac, Min. Rs.310/-, Max. Rs.61565/- | Rs. 160/- per lac, Min. Rs.325/-, Max. Rs.64900/- |
| Amount of Ad-hoc Sanction | Existing | Revised rate. |
|---|---|---|
| Upto Rs. 25,000/- | NIL | Nil |
| Above Rs.25,000/- | Normal processing charges for the period of sanction on pro-rata basis (min. Charge for 3 months) | Normal processing charges for the period of sanction on pro-rata basis (min. Charge for 3 months) |
| Amount of Advance | Existing | Revised rate. |
|---|---|---|
| Up to Rs.25,000/- | Nil | Nil |
| Above Rs.25,000/- Up to Rs.2 lacs | Rs. 260/- | Rs. 350/- |
| Above Rs.2 lacs upto Rs.5 lacs | Rs. 1540/- | Rs. 1700/- |
| Above Rs.5 lacs upto Rs25 lacs | Rs. 2565/- | Above Rs.5 lacs upto Rs 10 lacs Rs. 2600/- Above Rs.10 lacs upto Rs 25lacs Rs. 3000/- |
| Above Rs.25 lacs upto Rs.50 lacs | 5130/- | 5500/- |
| Above Rs.50 lacs upto Rs5 crores | 6670/- | 7000/- |
| Above Rs 5 crores | 16420/- | 18000/- |
| Particulars | Existing | Revised rate |
|---|---|---|
| In case of new accounts with exposure of Rs.10 lacs and above | Preprocessing charges equal to 10% of total applicable processing charges would be recovered upfront after clearance of the advance proposal by the New Business Committee (NBC) i.e. before taking up the proposal for detailed processing. The remaining 90% of the processing charges are to be recovered in full before the disbursement begins. The pre- processing charges would be non-refundable. | NIL . However, actual charges for pulling CIBIL report etc.to be recoverred before sending NBC proposals at all levels except for NBC proposals of PSU / AAA rated companies.The pre- processing charges would be non-refundable. |
| Amount of Advance | Existing | Revised rate |
|---|---|---|
| Up to Rs.25, 000/- | Nil | Nil |
| Above Rs.25, 000/- | For WC Funded & Non
Funded 410.00 per lac or part thereof Min 1030.00 Max. Rs.75 Lac For Short TermLoan(upto 36months)0.50% of the limit Min . : Rs. 1030.00 Max. : Rs. 25.00lac | For WC Funded & Non Funded 450.00 per lac or part thereof Min 1100/- Max. Rs.75 Lac For Short TermLoan(upto 36months) 0.50% of the limit Min . : Rs. 1100/- Max. : Rs. 25.00lac |
| I. Fresh Term Loan/DPG sanctioned excluding loans sanctioned under Retail Segment | Existing | Revised rate |
|---|---|---|
| Up to Rs.25, 000/- | Nil | Nil |
| Above Rs.25,000/- | 1.18% of the sanctioned
limit. Min : 620/- Max : 3.85Cr. | 1.18% of the sanctioned
limit. Min : 700/- Max : 3.85Cr. |
| II. Review of Term Loan | ||
| Up to Rs.25,000/- | NIL | Nil |
| Above Rs.25,000/- | Rs. 180.00 per lac,or part
thereof Min. Rs.620.00, Max. Rs.1.03Lac (Except Retail Credit) | Rs. 200.00 per lac,or part
thereof Min. Rs.700.00, Max. Rs.1.03Lac (Except Retail Credit) |
| Amount of Ad-hoc Sanction | Existing | Revised rate |
|---|---|---|
| Up to Rs.2 lac | 500.00 | For irrespective of limit : Normal processing Charges of regular WC limit for the period of sanction on pro rata basis till adjustment(Min charges for3 months) |
| Above Rs.2 lacs | Normal processing charge for the period of sanction on pro-rata basis till adjustment (Min.charges for 3 months) |
| Amount of Advance | Existing | Revised rate | |
|---|---|---|---|
| Up to Rs.25,000/- | Nil | Upto Rs.1.00 Lac: NIL Rs.1.00 Lac to Rs.10 Lac: Rs.1540/- flat Rs.10.00 Lac to Rs.1.00Cr: Rs.15400/- flat Above Rs.1.00 Crore: Rs.30800/- flat |
|
| Above Rs.25,000/- up to Rs.2 lacs | 400.00 | ||
| Above Rs.2 lacs upto Rs.5 lacs | 1500.00 | ||
| Above Rs.5 lacs upto Rs10 lacs | 2200.00 | ||
| Above Rs.10 lacs upto Rs25 lacs | 4500.00 | ||
| Above Rs.25 lacs upto Rs50 lacs | 6000.00 | ||
| Above Rs.50 lacs | 7000.00 | ||
| Particulars | Existing | Revised rate |
|---|---|---|
| 1. Issuance of NOC (per NOC) | Rs.690/- | Rs.710/- |
| 2. Modification of terms and conditions of sanction | Rs.690/- per modification. | Rs.710/- per modification. |
| 3. Revalidation of sanction | Applicable regular processing charges subject to ceiling of Rs. 517500.00 | Applicable regular processing charges, subject to ceiling of Rs.5,31,000/- |
| Particulars | Existing | Revised rate |
|---|---|---|
| a. Processing Chargesfor advances against NSC, KVP etc and Swarnanjali (Gold Loans):- | Flat Rs.310/- + Appraiser’s Fee ( for Gold Loan) | Flat Rs.350/- + Appraiser’s Fee ( for Gold Loan) |
| b. Supervision Charges (Applicable to PS & NPS limits of Rs. 1 crore & above) | Rs.3600/- half year | Rs.4000/- half year |
| c.Inspection Charges (Priority & Non-Priority Sector Advances) |
| Amount of Advance | Existing | Revised rate |
|---|---|---|
| Above Rs.25,000/- upto 2 lacs - | 155/- per inspection | 200/- per inspection |
| Above Rs.2 lacs up to Rs.10 lacs - | Above Rs. 2.00Lac
upto Rs. 25.00 Lac: 1030/-per inspection + actual Expenses Above Rs. 25.00 Lac upto 10.00 crore: Rs. 2570/- per visit + actual expenses Above Rs. 10.00 crore : Rs 10261/- per visit + actual expenses |
Rs. 2.00Lac upto Rs. 10.00 Lac Rs 350/- Above Rs. 10.00Lac upto Rs. 25.00 Lac : Rs 1000/-per inspection + actual Expenses Above Rs. 25.00 Lac upto 50.00 Lac : Rs. 1500+conveyance+out of pocket exp Above Rs. 50.00 Lac upto 1 Cr: Rs 4000/- per inspection +conveyance+out of pocket exp Above 1 Cr- 5000 per inspection+ conveyance+ out of pocket exp |
| Above Rs.10 lacs up to Rs.25 lacs | ||
| Above Rs.25 lacs up to Rs.50 lacs | ||
| Above Rs.50 lacs up to 1 crore | ||
| Above 1 crore | ||
| Note : No Inspection Charge to be levied in case of Sikshak Samman,Narishakti, Housing Loan Scheme,Education Loan,Car Loan , Self-help Group and Joint liability Group loan , Other Govt.- sponsored Scheme , and Loan against Fixed deposit and other Govt. securities | ||
| d) Lead Bank Charges for Consortium Advances: (Priority Sector & Non Priority Sector) : | 0.145% of the total fund based working capital limits sanctioned by the consortium ( i.e. Assessed working capital Fund Based limit). Renewal Charges at the same rate to be recovered every year. | 0.149% of the total fund based working capital limits sanctioned by the consortium ( i.e. Assessed working capital Fund Based limit). Renewal Charges at the same rate to be recovered every year. |
| Particulars | Existing | Revised rate |
|---|---|---|
| i) No dues certificate(NDC) for small loans upto Rs.50,000/- to small and marginal farmers, share cropper and the like | NIL (Not required) | NIL (Not required) |
| ii) No dues certificate(NDC)/ issuance of NOC for others: | Rs.60/- per certificate | Rs. 100/- per certificate |
| i) NPA accounts where terms of compromise are strictly adhered to | 1180.00 per certificate | 1500.00 per certificate |
| ii) NPA accounts where repayment is not received as per original schedule/failed compromise is revived: | 2360.00 per certificate | 2600.00 per certificate |
| Note :No charges are to be levied in cases where sanctioned loan/limit/disbursed amount is below Rs.5 lacs | ||
| i) pre-payment and commitment charges ; Sanctioning Authorities shall stipulate prepayment/commitment charges in sanction terms. |
| Particulars | Existing | Revised rate |
|---|---|---|
| i. prepayment charges | No prepayment charges in
the following : a) Agricultural loans upto Rs.10 lacs b) Other Priority Sector loans upto Rs.5 lacs c) Other Term Loan Accounts with limit upto Rs.2 lacs. For other term loans as per Annexure-1 enclosed. (Being governed by Loan Policy Document and changes/ amendments as advised by Risk Management Dept.) |
No prepayment charges in
the following : a) Agricultural loans upto Rs.10 lacs b) Other Priority Sector loans upto Rs.5 lacs c) Other Term Loan Accounts with limit upto Rs.2 lacs. For other term loans as per Annexure-1 enclosed. (Being governed by Loan Policy Document and changes/ amendments as advised by Risk Management Dept.) |
| ii. Commitment Charges : | |
|---|---|
| Existing | Revised |
| Where average availment of fund based credit during a month is less than 70% of the limit sanctioned, commitment charges @1/12th percent on the unutilised limit shall be levied for that month. Service tax at applicable rate (i.e. 15.00% shall be added to the commitment charges. (Being governed by Loan Policy Document and changes/ amendments as advised by Risk Management Dept.) | Where average availment of fund based credit during a month is less than 70% of the limit sanctioned, commitment charges @1/12th percent on the unutilised limit shall be levied for that month. Service tax at applicable rate (i.e. 18.00% shall be added to the commitment charges. (Being governed by Loan Policy Document and changes/ amendments as advised by Risk Management Dept.) |
| Note: Assessment of average availment during a month shall be based on the % of actual interest for the month with respect to the interest calculated on the full limit for the month. | |
| Schemes | Particulars | Existing | Revised rate |
|---|---|---|---|
| 1. PBGB Rent | Fresh Sanctions | 0.5% of the sanctioned loan amount. | 0.5% of the sanctioned loan amount. |
| Review on run down Balance | Rs. 230.00 per lac, Min. Rs.260.00, Max. Rs.58166.00 | Rs. 240.00 per lac, Min. Rs.270.00, Max. Rs.59685.00 | |
| 2.PBGB Real Estate | Fresh Sanctions | 0.8% on the amount of loan applied for along with the application. 1.20% processing fee of the sanctioned loan amount. | 0.8% on the amount of loan applied for along with the application. 1.20% processing fee of the sanctioned loan amount. |
| Review of TL on run down Balance | 129.00 per lac, Min. Rs.260.00, Max. Rs. 58166.00 | 132.00 per lac, Min. Rs.270.00, Max. Rs. 59685.00 | |
| Renewal of CC/WC | 403.00 per lac or part thereof | 415.00 per lac or part thereof |
| Loan scheme | Existing | Revised rate | ||
|---|---|---|---|---|
| % | Min / Max. | % | Min / Max. | |
| Swapna Neer (Houing Loan) | 0.50 | Min. 1500 | 0.50 | Min. 1540 |
| PBGBMortgage Loan | 1.00 | 1.00 | ||
| Safar Sathi (Car Loan) | 1.00 | Max. 1500 | 1.00 | Max. 1540 |
| PBGB Nagad/Sikshak Sanman (Cash Loan ) | 1.00 | Min. 500 | 1.00 | Min. 515 |
| Nari Shakti | 1.00 | Min. 500 | 1.00 | Min. 515 |
| Sarathi (Taxi) | 1.00 | 1.00 | ||
| Educare (Education Loan ) | NIL | NIL | ||
| PBGB Shopper | 1.00 | 1.00 | ||
| PBGBTrade | 0.5 | 0.5 | ||
| Any Time Loan | 100 per application | 105 per application | ||
| Utsab Ananda | 150 per case | 155 per case | ||
| Particulars | Existing | Revised rate |
|---|---|---|
| (i) Performance Guarantee | 2.00% pa (min for 2 quarters @ 1.00%) Min-Rs. 770/- . If the period of guarantee exceeds 12 months,for remaining period additional commission to be recoverred @0.50% per quarter or part thereof.Min.Rs. 385/-In addition to above actual SFMS charges to be recoverred | 2.00% pa (min for 2 quarters @ 1.00%) Min-Rs. 850/- . If the period of guarantee exceeds 12 months,for remaining period additional commission to be recoverred @0.50% per quarter or part thereof.Min.Rs. 500/-In addition to above actual SFMS charges to be recoverred. |
| (ii) Other Guarantees (Including issuance of letter of comfort for buyer’s credit | 3.00% pa (min for 2 quarters @ 1.50%) Min-Rs. 1540/- . If the period of guarantee exceeds 12 months,for remaining period additional commission to be recoverred @0.75% per quarter or part thereof.Min.Rs. 770/-In addition to above actual SFMS charges to be recoverred | 3.00% pa (min for 2 quarters @ 1.50%) Min-Rs. 1700/- . If the period of guarantee exceeds 12 months,for remaining period additional commission to be recoverred @0.75% per quarter or part thereof.Min.Rs. 850/-In addition to above actual SFMS charges to be recoverred |
| Note : a) Charges are to be recovered upfront for the full period including the claim period unless otherwise sanctioned by the competent authority. b) Guarantee for the period beyond six months would attract commission, reckoning the part period of guarantee beyond 6 months in terms of completed quarters. (For a performance guarantee issued for 16 months, guarantee commission for 1 year should be levied @ Rs.170 +2.20 p.a. and for the remaining 4 months commission should be levied @ 0.55% per quarter for 2 quarters by reckoning 4 months as two quarters. c) Additional commission at applicable rate will be levied on the extended period of guarantee due to restraint imposed by court order. | As applicable at present. | |
| 2. Refund of guarantee commission | No refund if the purpose for which the guarantee was issued is served and the original guarantee is returned for cancellation before the expiry date. If the purpose for which guarantee was issued is not served, 50% of original rate for the unexpired period less 1 quarter will be refunded. Guarantee with an unexpired period of 10 months is tendered for cancellation, refund will be calculated for 7 months @ 50% of original commission. | No refund if the purpose for which the guarantee was issued is served and the original guarantee is returned for cancellation before the expiry date. If the purpose for which guarantee was issued is not served, 50% of original rate for the unexpired period less 1 quarter will be refunded. Guarantee with an unexpired period of 10 months is tendered for cancellation, refund will be calculated for 7 months @ 50% of original commission. | |
| 3. Renewal / Extension of Guarantee | Same charges are applicable for issuance of fresh guarantee. However, for the claim period, no charge to be levied if the renewal is effected before the expiry date of the original guarantee. | Same charges are applicable for issuance of fresh guarantee. However, for the claim period, no charge to be levied if the renewal is effected before the expiry date of the original guarantee. | |
| 4. Guarantees secured by 100% term deposit including third party deposits of our Bank | Rs.180 + 25% of normal commission | Rs.300 + 25% of normal commission | |
In case of prepayment of instalment(s), prepayment charges shall be levied on the prepaid amount at the following rates.
| Remaining Period in months | Term loan accounts (%) |
|---|---|
| 1 | 0.00030561 |
| 2 | 0.00061122 |
| 3 | 0.00101870 |
| 4 | 0.00132431 |
| 5 | 0.00162992 |
| 6 | 0.00193553 |
| 7 | 0.00224114 |
| 8 | 0.00254675 |
| 9 | 0.00285236 |
| 10 | 0.00315797 |
| 11 | 0.00336171 |
| 12 | 0.00366732 |
| 13 | 0.00397293 |
| 14 | 0.00417667 |
| 15 | 0.00448228 |
| 16 | 0.00468602 |
| 17 | 0.00499163 |
| 18 | 0.00519537 |
| 19 | 0.00539911 |
| 20 | 0.00570472 |
| 21 | 0.00590846 |
| 22 | 0.00611220 |
| 23 | 0.00631594 |
| 24 | 0.00662155 |
| 25 | 0.00682529 |
| 26 | 0.00702903 |
| 27 | 0.00723277 |
| 28 | 0.00743651 |
| 29 | 0.00764025 |
| 30 | 0.00774212 |
| 31 | 0.00794586 |
| 32 | 0.00814960 |
| 33 | 0.00835334 |
| 34 | 0.00855708 |
| 35 | 0.00865895 |
| 36 | 0.00883269 |
| 37 | 0.00906643 |
| 38 | 0.00916830 |
| 39 | 0.00937204 |
| 40 | 0.00947391 |
| 41 | 0.00967765 |
| 42 | 0.00977952 |
| 43 | 0.00998326 |
| 44 | 0.01008513 |
| 45 | 0.01018700 |
| 46 | 0.01390740 |
| 47 | 0.01049261 |
| 48 | 0.01059448 |
| 49 | 0.01079822 |
| 50 | 0.01090009 |
| 51 | 0.01100196 |
| 52 | 0.01110383 |
| 53 | 0.01120570 |
| 54 | 0.01130757 |
| 55 | 0.01140944 |
| 56 | 0.01151131 |
| 57 | 0.01161318 |
| 58 | 0.01171505 |
| 59 | 0.01181692 |
| 60 | 0.01191879 |
| 61 | 0.01202066 |
| 62 | 0.01212253 |
| 63 | 0.01222247 |
| 64 | 0.01232627 |
| 65 | 0.01236227 |
| 66 | 0.01242814 |
| 67 | 0.01253001 |
| 68 | 0.01263188 |
| 69 | 0.01268184 |
| 70 | 0.01273375 |
| 71 | 0.01283562 |
| 72 | 0.01288460 |
| 73 | 0.01293749 |
| 74 | 0.01298745 |
| 75 | 0.01303936 |
| 76 | 0.01314123 |
| 77 | 0.01319140 |
| 78 | 0.01324310 |
| 79 | 0.01329315 |
| 80 | 0.01334497 |
| 81 | 0.01339496 |
| 82 | 0.01344684 |
| 83 | 0.01344684 |
| 84 | 0.01344684 |
| 85 | 0.01354871 |
| 86 | 0.01354871 |
| 87 | 0.01365058 |
| 88 | 0.01365058 |
| 89 | 0.01365058 |
| 90 | 0.01365058 |
| 91 | 0.01375245 |
| 92 | 0.01375245 |
| 93 | 0.01375245 |
| 94 | 0.01385432 |
| 95 | 0.01385432 |
| 96 | 0.01385432 |
| 97 | 0.01385432 |
| 98 | 0.01385432 |
| 99 | 0.01395619 |
| 100 | 0.01395619 |
| 101 | 0.01395619 |
| 102 | 0.01395619 |
| 103 | 0.01395619 |
| 104 | 0.01395619 |
| 105 | 0.01395619 |
| 106 | 0.01395619 |
| 107 | 0.01395619 |
| 108 | 0.01405806 |
| 109 | 0.01405806 |
| 110 | 0.01405806 |
| 111 | 0.01405806 |
| 112 | 0.01405806 |
| 113 | 0.01405806 |
| 114 | 0.01405806 |
| 115 | 0.01405806 |
| 116 | 0.01405806 |
| 117 | 0.01395619 |
| 118 | 0.01395619 |
| 119 | 0.01395619 |
| 120 | 0.01395619 |