INDEX OF ANNEXURE SN. Service Charge for Pg no 1 MAINTAINANCE OF ACCOUNTS 2 1.1 Ledger folio charges 2 1.2 Duplicate Passbook / Statement 2 1.3 Cheque Leaf Charges 3 1.4 Minimum Balance -Savings Bank 3 1.5 Minimum Balance-Current account 4 1.6 Stop Payment Instructions 4 1.7 Loss of Token 4 1.8 Standing Instructions 4 1.9 Confirmation/ Verification of Specimen Signature/Photo 4 1.10 Issue of Certificates 5 1.11 Inoperative/Dormant account charges 5 1.12 Transfer of Savings Bank A/c 5 1.13 Transfer of Deposits 5 1.14 Closure of Account 5 1.15 Addition / deletion of names in joint accounts / nomination / change 5 in operational instructions. 1.16 Allowing operation in account through Power of Attorney / Mandate 5 holder 1.17 Change of authorized signatory including reconstitution of account 6 1.18 For Saving bank accounts, withdrawal either by cheque or other 6 1.19 Cash Handling Charges 6 2 REMITTANCES 6 2.1 Remittance by issue of Demand Draft (DD) 6 2.2 Remittance by issue of Bankers Cheque / Local DD 7 2.3 Revalidation of DD /PO 7 2.4 Cancellation of DD/PO 7 2.5 Cancellation of lost instruments (DD/PO) 7 2.6 Issue of Duplicate DD 7 2.7 Additional charges for handling cash 8 3 COLLECTIONS 8 3.1 Outstation cheque collection - Outward / Inward 8 4 SOLVENCY CERTIFICATES 9 5 SAFE CUSTODY CHARGES 9 6 INTERSOL CHARGES ( + Service Tax) 9 6.1 Cash Deposit at local/outstation nonbase Branches 9 6.2 Cash withdrawal at Local/ outstation non base branch 9 6.3 Transfer of funds between accounts located at same 9 centre/city/other city also 6.4 Cheque collection under speed clearing 10 6.5 Collection of outstation cheques 10 7 SDV Locker Charges 10 1
SERVICE CHARGES- EXCLUDING SERVICE TAX S.N. Type of Service 1 MAINTAINANCE OF ACCOUNTS 1.1 Ledger folio charges Savings Bank A/c Including MSS accounts Annexure II Current, Overdraft, Cash Credit Account @ `.60/- per 40 entries per quarter. RD/MSS and Term Deposit Accounts 1.2 Duplicate Passbook / Statement No Charges for Basic Saving Bank Account/ NREGA Account. SAVINGS Bank Accounts With entries upto 12 Months :- Metro/Urban/ Semi Urban Rural Pensioners/ Non Senior Citizen ( at all centers) `.50/- `.75/- `.25/- `.25/- With entries more than 12 Months :- Metro/Urban/ Semi Urban Rural Pensioners/ `.1.50 per entry, Min `.75/- Max `.500/- Non `.2.00/- per entry Min `.100/- Max `.500/ `.1.00/- per entry Min `.50/- Max `.500/ Senior Citizen ( at all centers) `.1.00/- per entry Min `.50/- Max `.500/- Current Account 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/- 2
1.3 Cheque Leaf Charges 1.4 Minimum Balance SAVINGS Bank Accounts with cheque book facility Non (M/U/SU) Rural (M/U/SU) Rural /Pensioners/ Senior citizen ` 3.00 per leaf ` 2.00 per leaf ` 3.50 per leaf ` 2.00 per leaf For SB accounts of individuals 50 cheque leaves will be free in a year Quarterly Average Balance in Branches at : Metro / Urban Semi Urban / Rural- Pensioner/Staff/Ex- Staff `. 1000/- `.500/- Minimum Balance SAVINGS Bank Accounts without cheque book facility Charges for not maintaining minimum quarterly average balance Saving Bank Accounts Quarterly Average Balance in Branches at : Metro/Urban `.500/- Semi Urban/ Rural/ Pensioner/ Staff/Ex-Staff No charges for Rural & Semi Urban Centers No charges for Inoperative Account. Metro & Urban 1). At the end of each quarter during the Financial Year, the calculation of Quarterly Average Balance (QAB) will be calculated by the Finacle System and wherever the shortfall will be observed, an SMS will be sent on the latest registered mobile no. of the customer wherein 30 days notice will be issued to the Account Holder to restore the minimum QAB in the account. A letter to this effect to be generated by system and to be sent to the customer by respective branch on the last working day of the quarter itself. After the expiry of 30 days i.e. at the end of next month of the preceding quarter, system will calculate the average balance of 4 months i.e. previous quarter plus current month and it will be verified whether the minimum QAB is restored in the accounts identified during the previous quarter or not. If not then the minimum balance charges will be levied as mentioned below. 2). If the minimum QAB is not restored, the following charges will be levied proportionate to the shortfall in the minimum QAB i.e. Required Minimum QAB Calculated QAB as of last date of the respective quarter (3 months) = Shortfall in QAB At the time of debiting minimum balance charges, customer will be informed by sending SMS intimating the same and further notifying him/her the shortfall in QAB to be made good by him for prevention of further 3
levying of minimum balance charges in next quarter. Charges for not maintaining minimum balance in Basic Saving account/nrega/senior Citizens Savings Accounts/Inoperative Account. 1.5 Minimum Balance for Shortfall in Average Slab of Charges Balance Upto 25% 25% of prescribed min charges + S.T as applicable More than 25% to 50% 50% of prescribed min charges+ S.T as applicable More than 50% to 75% 75% of prescribed min charges+ S.T as applicable More than 75% Full charges+ S.T as applica 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 No charges for Inoperative Account. Savings `. 100/- per request (per cheque) 4 Current/ CC/ OD `. 150/- per request (per cheque) Pensioner/Senior 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 1.8 Standing Instructions Registration of SI `.50/- (one time charge) Execution of SI - `.50/-+ Remittance Charges 1.9 Confirmation/ Verification of Specimen Signature/Photo Non Execution of SI- (due to insufficient funds) : `.50/- per transaction Installment of Recurring Deposit/Recovery of Banks dues - No charges (for registration or execution ) `.50/- per reference Students/War widows/ Defense personnel/basic Saving Account/PWD : No Charges
For all purposes 1.10 Issue of Certificates No objection / Balance/ Interest charged/ Cheque honoured/ Account maintaining and duplicate deposit receipt etc. 1.11 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 1.14 Closure of Account 1.15 Addition / deletion of names in joint accounts / nomination / change in operational instructions. 1.16 Allowing operation in account through Power of Attorney / Mandate holder (M/U/SU) `.75/- per certificate Rural /Pensioners/ Senior citizen `.40/- per certificate Savings A/c : Current A/c : Non M/U/SU) `.125/- per certificate Metro/Urban Semi Urban Rural Rural `.40/- per certificate Per quarter Per quarter Per quarter SB `. 100 CA `. 250 `. 250 `. 250 Actual Charges or as per DD/PO charges + actual postage/courier charges Actual Charges or as per RTGS/NEFT charges + actual postage/courier charges a) Closure of Saving/Current account by the customer within 14 days of first deposit. b) Closure of Saving/Current account by the customer within period from 15 days to 1 year from first deposit in the account Service Charges will be as mentioned beside. `.50/- per occasion Savings Bank Account `.50/- Service Charges = Service Charges (i) Saving Bank Account = Rs.200/- (ii) Current Account = Rs.300/- Current / Overdraft / Cash Credit `.125/- 5
1.17 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 1.19 Cash Handling Charges per day(applicable in CA/CC/OD a/cs) (Corporate a/cs with specific MOU be exempted) `.100/- per reference `.3.00 per withdrawal Upto 10 packets or upto `. 1.00 lac (of any denomination whichever is more) More then 10 packets or `. 10 per packet or part above Rs1.00 lac Min `. 50/- Max `. 15000/- ( 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) DD Upto `.100/- 25% over and above normal charges in case of DD issued against tender of cash Above `.100/- up to `.10,000/- Non `.25/- `.30/- `.20/- `.50/- `.60/- `.30/- Pensioners/ Senior Citizens/ Rural Customers /Students 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) Above `.1 lac `. 3.00 per thousand or part Min `. 30/- Max `. 300/- `.2.75 per thousand or part Min `. 275/- `. 3.50 per thousand or part Min `. 35/- Max `. 350/- `. 3.00 per thousand or part `. 2.50 per thousand or part Min `. 25/- Max `. 250/- `. 2.50 per thousand or part Min `. 300/- Max `. 12000/- 6
2.2 Remittance by issue of Bankers Cheque / Local DD Max `. 12000/- Min `. 300/- Max `. 12000/- s Non individuals Upto `.100/- `.25/- `.30/- `.20/- Above `. 100/- to `.10000/- Above `.1000 to `. 1 lac DD beyond `. 49999/- not to be issued in cash No DD above `. 1 lac to be issued in cash Above `. 1 lac `.50/- `.60/- `.30/- `. 2.75 per thousand or part Min `. 28/- Max `. 275/- `. 2.50 per thousand or part Min `. 250/- Max `. 12000/- `. 3.00 per thousand or part Min `. 30/- Max `. 300/- `. 3.00 per thousand or part Min `. 300/- Max `. 12000/- 2.3 Revalidation of DD /PO s Non 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 Non s Upto `.100/- `.25/- `.30/- `.20/- Pensioners/ Senior Citizens/ Rural Customers `. 2.50per thousand or part Min `. 25/- Max `. 250/- `. 2.00 per thousand or part Min `. 200/- Max `. 12000/- Pensioners/ Senior Citizens/ Rural Customers/Student Pensioners/ Senior Citizens/ Rural Customers Above `. 100/- to `.10,000/- Above `.10,000/- `.70/- `.80/- `.60/- `.125/- `.175/- `.80/- 2.5 Cancellation of lost instruments (DD/PO) (per Instrument) @`.125/- inclusive of all the charges `.150/- inclusive of all the charges `.90/- inclusive of all the charges 2.6 Issue of Duplicate DD s Non s Upto `.100/- `.50/- `.75/- `.35/- Pensioners/ Senior Citizens/ Rural Customers 7
Above `.100/ to `.10000 `.75/- `.100/- `.60/- Above `.10,000/-- `.1 Lac `.125/- `.150/- `.100/- Above `.1 Lac Min. 50% of the Min. 50% Min. 50% of the commission or of the commission or `.150/- whichever commissio `.130/- whichever is is higher. n or higher `.200/- whichever is higher 2.7 Additional charges for handling cash: For Account Holders 25% over and above normal charges in case of DD issued against tender of cash upto `.49,999/- For Non- Account Holders 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/- Above `.5000/- and upto and including `.10,000/- Above `. 10,000/- and upto and including `.1 lac/- Above `. 1 lac- 8 `.25/- (inclusive of all charges) `.50/- (inclusive of all charges) `.100/- (inclusive of all charges) `.150/-@ (inclusive of all charges) Collection of Outward/Inward Bills Upto `. 10000 `. 100/- Above `. 10000 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 / Non Pensioner Cheques (per instrument) through own Bank /Senior Customer Citizen/ Rural Upto 10000/- Above 10000/- Return / Dishonour of Bills / Cheques (through other Bank `.100/- including all charges `.150/- including all charges Upto 10000/- `.100/- + other Bank charges if any Above 10000/- `.150/- + other Bank `.125/- including all charges `.200/- including all charges Non `.125/- + other Bank charges if any `.200/- + other Bank `.150/- including all charges `.90/- including all charges Pensioner /Senior Citizen/ Rural Customer `.75/- + other Bank charges if any `.90/- + other Bank charges if any
Return / Dishonour of Bills / Cheques (per instrument) Cheques received in inward clearing upto `. 100000 charges if any charges if any Non `.100/- `.150/- `.50/- Pensioner /Senior Citizen/ Rural Customer Return / Dishonour of Bills / Non Pensioner Cheques (per instrument) /Senior Citizen/ Rural Cheques received in inward Customer clearing above to `. `.100/- + `.150/- + `.100/- + `.0.50 per `. 100000 `.0.50 per `.0.50 per 1000/- `. 1000/- `. 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 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 6 INTERSOL CHARGES ( + Service Tax) 6.1. Cash Deposit at local/outstation non base Branches 6.2 Cash withdrawal at Local/ outstation 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 `. 25,000/- @ `. 2/- Per thousand or part with minimum charges of `. 50/-. Cash Withdrawal through our ATM, by our Customer, will not attract any cash withdrawal charges. 6.3 Transfer of funds between accounts located at same centre/city/other city also Present Withdrawal limit through ATM per day Silver Card `.20,000. Gold Card `. 50,000. 9
6.4 Cheque collection under Speed Clearing 6.5 Collection of outstation cheques Upto and including `. 1 lac Above `. 1 lac `.100/- per instrument including all charges (from one Dena Bank Branch to another Dena Bank Branch ) 7.0 SDV Locker Charges (Service Tax as applicable will be charged extra) TYPE OF LOCKER METRO URBAN SEMI-URBAN RURAL 1 YR 2YRS 3YRS 1 YR 2YRS 3YRS 1 YR 2YRS 3YRS 1 YR 2YRS 3YRS A 1450 2800 4100 1400 2600 3900 1350 2600 3800 1000 1900 2800 B 1500 2900 4200 1450 2700 4100 1400 2600 3900 1300 2500 3700 C 3100 5900 8700 3050 5800 8600 3000 5700 8400 1800 3400 5000 D 3500 6700 9900 3400 6500 9600 3050 5800 8600 1900 3600 5300 E 3600 6900 10100 3500 6700 9900 3100 5900 8700 2700 5100 7600 F 4200 8000 11800 4100 7800 11600 4000 7600 11300 3100 5900 8700 G 4500 8600 12700 4400 8400 12400 4200 8000 11800 3150 6000 8900 H 5600 10700 15800 5400 10300 15200 5300 10100 15000 4000 7600 11300 H1 3950 7500 11100 3800 7200 10700 3700 7000 10400 2300 4400 6500 L 9500 18200 26800 9400 18000 26600 8500 16300 24000 5500 10500 15500 L1 8500 16300 24000 8300 15900 23400 8100 15500 22900 4900 9400 13800 In addition to above, the Locker rent at premium Location Branches presently as identified (List available with Branches) is kept as 125% of Locker rent applicable at Metro Centre, which is as under: METRO - Premium Branches RENT TYPE OF LOCKER 1 YR 2YRS 3YRS A 1800 3500 5100 B 1900 3600 5400 C 3900 7500 11000 D 4300 8200 12100 E 4500 8600 12700 F 5200 9900 14700 G 5600 10700 15800 H 7000 13400 19800 H1 4900 9400 13800 L 11800 22600 33300 L1 10600 20300 29900 10