3 COLLECTIONS Outstation cheque collection - Outward / Inward 7

Transcription

1 INDEX OF ANNEXURE SN Service Charge for Pg no 1 MAINTAINANCE OF ACCOUNTS Ledger folio charges Duplicate Passbook / Statement Cheque Leaf Charges Minimum Balance -Savings Bank Minimum Balance-Current account Stop Payment Instructions Loss of Token Standing Instructions Confirmation/ Verification of Specimen Signature/Photo Issue of Certificates Inoperative/Dormant account charges Transfer of Savings Bank A/c Transfer of Deposits Closure of Account Addition / deletion of names in joint accounts / nomination / change 4 in operational instructions Allowing operation in account through Power of Attorney / Mandate 4 holder 1.17 Change of authorized signatory including reconstitution of account For Saving bank accounts, withdrawal either by cheque or other Cash Handling Charges 5 2 REMITTANCES Remittance by issue of Demand Draft (DD) Remittance by issue of Bankers Cheque / Local DD Revalidation of DD /PO Cancellation of DD/PO Cancellation of lost instruments (DD/PO) Issue of Duplicate DD Additional charges for handling cash 7 3 COLLECTIONS Outstation cheque collection - Outward / Inward 7 4 SOLVENCY CERTIFICATES 8 5 SAFE CUSTODY CHARGES 8 6 INTERSOL CHARGES ( + Service Tax) Cash Deposit at local/outstation nonbase Branches Cash withdrawal at Local/ outstation non base branch Transfer of funds between accounts located at same 8 centre/city/other city also 6.4 Cheque collection under speed clearing Collection of outstation cheques 9 7 SDV Locker Charges 9 1

2 Annexure I SERVICE CHARGES- EXCLUDING SERVICE TAX Effective From 12/11/2013 S.N. Type of Service 1 MAINTAINANCE OF ACCOUNTS 1.1 Ledger folio charges Savings Bank A/c Including MSS accounts `.60/- per 40 entries per quarter. Overdraft, Cash Credit Account RD and Term Deposit Accounts 1.2 Duplicate Passbook / Statement 1. SAVINGS Bank Accounts (No Charges for Basic Saving Bank Account/ NREGA Account). With entries upto 12 Months :- Metro/Urban/ Semi Urban Rural Pensioners/ `.50/- `.75/- `.25/- `.25/- With entries more than 12 Months :- Senior Citizen ( at all centers) Metro/Urban/ Semi Urban Rural Pensioners/ Senior Citizen ( at all centers) `.1.50 per entry, Min `.75/- Max `.500/- `.2.00/- per entry Min `.100/- Max `.500/ `.1.00/- per entry Min `.50/- Max `.500/ `.1.00/- per entry Min `.50/- Max `.500/- Duplicate Statement Current Account 1.3 Cheque Leaf Charges With entries upto 12 Months :- Minimum `. 100/- per month and Maximum `.600/- With entries more than 12 Months :- `.2/- per entry minimum `.600/- and Maximum `.2000/- (M/U/SU) Rural /Pensioners/ Senior citizen ` 2.00 per M/U/SU) Rural ` 3.00 ` 3.50 per ` 2.00 per leaf per leaf leaf leaf For SB accounts of individuals 50 chaque leaves will be free in a year 2

3 1.4 Minimum Balance SAVINGS Bank Accounts with cheque book facility Quarterly Average Balance in Branches at : Metro/ Urban Semi Urban / Rural `. 1000/- `. 500/- Pensioner/Staff/ Ex-Staff Quarterly Average Balance in Branches at : SAVINGS Bank Accounts without cheque book facility Charges for not maintaining minimum quarterly average balance Saving Bank Accounts Charges for not maintaining minimum balance in Basic Saving account/nrega/senior Citizens Savings Accounts 1.5 Minimum Balance for Metro/Urban `.500/- Semi Urban/ Rural/ Pensioner/ Staff/Ex-Staff No charges for Rural & Semi Urban Centers For Metro & Urban Centres `. 50/- per day be charged for the days when there is / are transactions (debit) but minimum balance is not maintained and if the account is not restored to the minimum balance in the quarter, `. 100/- per quarter be charged. Quarterly Average Balance in Branches at : Current account Charges for not maintaining minimum quarterly average balance in Current Accounts 1.6 Stop Payment Instructions Metro /Urban Semi Urban Rural `.5000/- `. 3000/- `.1000/- `. 100/- per day be charged for the days when there is / are transactions (debit) but minimum balance is not maintained and if the account is not restored to the minimum balance in the quarter, `. 250/- per quarter be charged. Account not maintaining minimum balance for 2 yrs and above account to be closed by the Bank giving notice to the customer Savings Current/ CC/ OD `. 100/- per `. 150/- per request (per request (per cheque) cheque) Pensioner/Senio r citizen/rural customer `. 100/- per request (per cheque) Loss of cheque book Saving Bank a/c `.100/- per cheque book upto 20 leaves CA/CC/OD a/cs `. 750/- per cheque book upto 100 cheque leaves and `. 5/- per cheque leaf thereafter. 1.7 Loss of Token `.100/- per reference 3

4 1.8 Standing Instructions Registration of SI `.50/- (one time charge) Execution of SI - `.50/-+ Remittance Charges Execution of SI- (due to insufficient funds) : `.50/- per transaction Installment of Recurring Deposit/Recovery of Banks dues - No charges (for registration or execution ) 1.9 Confirmation/ Verification of Specimen Signature/Photo For all purposes 1.10 Issue of Certificates No objection / Balance/ Interest charged/ Cheque honoured/ Account maintaining and duplicate deposit receipt etc Inoperative/Dormant account charges (Maintaining minimum balance) Inoperative/Dormant account charges (Not maintaining Minimum Balance) 1.12 Transfer of Savings Bank Ac Within the Bank To Other Banks 1.13 Transfer of Deposits proceeds or interest Within the Bank To Other Banks `.50/- per reference Students/War widows/ Defense personnel/basic Saving Account/PWD : No Charges (M/U/SU) `.75/- per certificate Rural /Pensioners/ Senior citizen `.40/- per certificate Savings A/c : Current A/c : M/U/SU) `.125/- per certificate Rural Metro/Urban Semi Urban Rural Per quarter Per quarter Per quarter SB `. 100 CA `. 250 `. 250 `. 250 `.40/- per certificate Actual Charges or as per DD/PO charges + actual postage/courier charges Actual Charges or as per RTGS/NEFT charges + actual postage/courier charges 1.14 Closure of Account If closed within one year SB a/c CA a/c 1.15 Addition / deletion of names in joint accounts / nomination / change in operational instructions Allowing operation in account through Power of Attorney / Mandate holder `. 200/- `.300/- (if closed within one year)- `.50/- per occasion Savings Bank Account `.50/- Current / Overdraft / Cash Credit `.125/ Change of authorized signatory including reconstitution of account 1.18 For Saving Bank accounts, withdrawal either by cheque or other exceeding 50 per half year `.100/- per reference `.3.00 per withdrawal 4

5 1.19 Cash Handling Charges per day(applicable in CA/CC/OD a/cs) (Corporate a/cs with specific MOU be exempted) Upto 10 packets or upto ` lac (of any denomination whichever is more) More then 10 packets or `. 10 per packet or part above Rs1.00 lac Min `. 50/- Max ` /- ( Saving,DKCC, CC/ Loan repayment upto sanctioned limit of `. 2,00,000/-, PSUs, NPA recovery, Corporate / Institutions having salary account of their employees is exempted from cash handling charges irrespective of any amount.) 2 REMITTANCES 2.1 Remittance by issue of Demand Draft (DD) Pensioners/ Senior Citizens/ Rural Customers /Students DD Upto `.100/- `.25/- `.30/- `.20/- 25% over and above normal charges in case of DD issued against tender of cash Above `.100/- up to `.10,000/- `.50/- `.60/- `.30/- 25% over and above normal charges in case of DD issued against tender of cash Above `. 10,000 to `.1 lac DD beyond `. 49,999/- not be issued in cash `. 50,000 and above by debiting account of the customer) ` per thousand or part Min `. 30/- Max `. 300/- ` per thousand or part Min `. 35/- Max `. 350/- ` per thousand or part Min `. 25/- Max `. 250/- Above `.1 lac `.2.75 per thousand or part Min `. 275/- Max ` /- ` per thousand or part Min `. 300/- Max ` /- ` per thousand or part Min `. 300/- Max ` /- 5

6 2.2 Remittance by issue of Bankers Cheque / Local DD No DD above `. 1 lac to be issued in cash Above `. 1 lac s 6 individuals Upto `.100/- `.25/- `.30/- `.20/- Above `. 100/- to `.50/- `.60/- `.30/- `.10000/- Above `.1000 to `. 1 lac ` per thousand or part ` per thousand DD beyond ` /- not to be issued in cash Min `. 28/- or part Max `. 275/- Min `. 30/- Max `. ` per thousand or part Min `. 250/- Max ` /- 300/- ` per thousand or part Min `. 300/- Max ` /- 2.3 Revalidation of DD /PO s s Upto `.100/- `.25/- `.30/- `.20/- Above `. 100/- to `.50/- `.100/- `.40/- `.10,000/- Above `.10,000/- `.100/- `.200/- `.80/- 2.4 Cancellation of DD/PO s s Upto `.100/- `.25/- `.30/- `.20/- Above `. 100/- to `.70/- `.80/- `.60/- `.10,000/- Above `.10,000/- `.125/- `.175/- inclusive of all the charges 2.5 Cancellation of lost instruments (DD/PO) `.150/- inclusive of all the charges (per Instrument) 2.6 Issue of Duplicate DD s s Upto `.100/- `.50/- `.75/- `.35/- Above `.100/ to ` `.75/- `.100/- `.60/- Above `.10,000/-- `.1 Lac `.125/- `.150/- `.100/- Above `.1 Lac Min. 50% of the commission or `.150/- whichever is higher Min. 50% of the commissio n or `.200/- whichever is higher Pensioners/ Senior Citizens/ Rural Customers `. 2.50per thousand or part Min `. 25/- Max `. 250/- ` per thousand or part Min `. 200/- Max ` /- Pensioners/ Senior Citizens/ Rural Customers/Student Pensioners/ Senior Citizens/ Rural Customers `.90/- inclusive of all the charges Pensioners/ Senior Citizens/ Rural Customers Min. 50% of the commission or `.130/- whichever is higher

7 2.7 Additional charges for handling cash: For Account Holders For - Account Holders 25% over and above normal charges in case of DD issued against tender of cash upto `.49,999/- 50% over and above normal charges in case of DD issued against tender of cash upto `.49,999/- 3 COLLECTIONS 3.1 Outstation cheque collection - Outward / Inward Upto and including `.5000/- `.25/- (inclusive of all charges) Above `.5000/- and upto and including `.50/- (inclusive of all charges) `.10,000/- Above `. 10,000/- and upto and `.100/- (inclusive of all charges) including `.1 lac/- Above `. 1 lac- `.150/-@ (inclusive of all charges) Collection of Outward/Inward Bills Upto ` `. 100/- Above ` upto `. 1 ` 10/- per thousand or part Min ` 120/- lac Above `. 1lac ` 10/- per thousand or part Min.- ` 1000/-, Max `.15,000/- Return / Dishonour of Bills / Cheques (per instrument) through own Bank Upto 10000/- `.100/- including all charges `.125/- including all charges Pensioner /Senior Citizen/ Rural Customer `.150/- including all charges Above 10000/- `.150/- including all charges `.200/- including all charges `.90/- including all charges Return / Dishonour of Bills / Cheques (through ( other Bank Upto 10000/- `.100/- + other Bank charges if any Above 10000/- `.150/- + other Bank charges if any `.125/- + other Bank charges if any `.200/- + other Bank charges if any Pensioner /Senior Citizen/ Rural Customer `.75/- + other Bank charges if any `.90/- + other Bank charges if any 7

8 Return / Dishonour of Bills / Cheques (per instrument) Cheques received in inward clearing upto ` Return / Dishonour of Bills / Cheques (per instrument) Cheques received in inward clearing above to ` `.100/- `.150/- `.50/- `.100/- + `.0.50 per `. 1000/- 4 SOLVENCY CERTIFICATES Up to `.1 lac ` 1000/- Above `.100,000/- upto ` 2000/- `.10,00,000/- Above `.10,00,000/- upto ` 3000/- `.25,00,000/- Above `.25,00,000/- upto ` 7000/- `.100,00,000/- Above `. 1crore ` 15,000/- 5 SAFE CUSTODY CHARGES `.150/- + `.0.50 per `. 1000/- Scrips - `.5/-per scrips, Min `.50/-. Sealed cover - `.350/- per cover Sealed boxes - Small Box- `.500/- Medium Box- `.1000/- Large Box- `.2500/- Bank s own deposit receipt - no charges Pensioner /Senior Citizen/ Rural Customer Pensioner /Senior Citizen/ Rural Customer `.100/- + `.0.50 per `. 1000/- 6 INTERSOL CHARGES ( + Service e Tax) 6.1. Cash Deposit at local/outstation non base Branches 6.2 Cash withdrawal at non base branch Cash withdrawal at non base branch (local / Outstation) is restricted to `.50,000/- (Third party withdrawal is not permitted) Free facility of aggregate cash withdrawal at non base branch (local & outstation) per day upto `. 25,000/- for self and not for third party. Above `. `. 2/- Per thousand or part with minimum charges of `. 50/- Cash withdrawn through ATM will not attract any cash withdrawal charges. Present withdrawal limit through ATM per day- Silver Card `. 20,000/- Gold Card `. 50,000/- 6.3 Transfer of funds between accounts located at same centre/city/other city also 8

9 6.4 Cheque collection under Speed Clearing Upto and including `. 1 lac Above `. 1 lac `.100/- per instrument including all charges 6.5 Collection of outstation cheques (from one Dena Bank Branch to another Dena Bank Branch ) 9

10 10