SERVICE MANUAL CHARGES W.E.F 01.04.2016 Sr. No. 1 Particulars Part I Amount of charges ( All our Service Charges are Inclusive of Service Tax ) SAVINGS DEPOSITS (OPERATIVE/ INOPERATIVE/ DORMANT) (a) ACCOUNT OPENING & MAINTENANCE ` 300/- (Min. Avg. Balance) OF MINIMUM BALANCE (b) PENALTY i) Charges for failure to maintain 15% on the amount of difference minimum balance between the actual balance maintained & the minimum balance as prescribed. ii) Charges for withdrawls more than prescribed ` 10/- per withdrawal above *100 withdrawals Limit (Including ATM transactions) (Half yearly charge) (c) CLOSURE OF ACCOUNTS i ) If closed within 1 year from the date ` 200/- of opening the A/c ii) If closed after 1 year & before 2 years from ` 125/- the date of opening the A/c. iii) If closed after 2 years from the date of opening the A/c. NIL iv) Charges for unused cheques ` 5/- per cheque leaf (d) RETURN OUTWARD (CRC/ ECS/ discounting of cheques/ecs- DR/RD/NACH-DR) i) For want of funds & other reasons including Upto ` 1 lac - `. 300/- stop payment Above ` 1 lac & upto `10 lac- `. 500/- Above `10 lac - `.1,000/- ii) Return Inward ` 100/- per cheque (Charges for cheques received unpaid which are sent in clearing) : 1 :
(e) ISSUE OF CHEQUE BOOKS Additional cheque books ` 5/- per cheque leaf - 1 cheque book of *30 leaves free in *6 months (will be governed by Calendar months) (f) ISSUE OF DUPLICATE PASS BOOK i) With present balance ` 50/- ii) With previous entries ` 50/- + ` 10/- per page of pass book ` 25/- per page of computer statement (g) SURRENDER OF UNUSED CHEQUES ` 5/- per unused cheque leaf FOR OPERATIVE SB A/C. (h) WITHDRAWALS OK WITHOUT PASS BOOK ` 25/- per instance (i) SERVICE CHARGES FOR CASH DEPOSIT No charges for deposit of currency notes for ` 100 and above denominations. For Currency notes below ` 100 denomination - *10 packets free per day & above *10 packets ` 5/- per packet (1 packet=100 pieces) 2 CURRENT ACCOUNTS, CC ACCOUNTS, FLXLN & SOD A/cs. (Service charges applicable for CC A/cs will also be applicable for all types of SOD A/cs.,if not specified otherwise) (a) ACCOUNT OPENING & MAINTENANCE ` 3,000/- for Mumbai Region Branches OF MINIMUM BALANCE FOR CURRENT A/Cs ` 2,000/- for Outstation Branches including Pune & Nashik Region Branches (b) CHARGES FOR FAILURE TO MAINTAIN MINIMUM ` 150/- per month BALANCE IN ANY MONTH FOR CURRENT A/Cs. (c) FOLIO CHARGES ` 25/- per folio to current A/c & ` 15/- per foilo to CC, FLXLN & SOD A/cs will be charged half yearly max. ` 100/- i) 1 folio = 40 entries on computer page ii) 1 folio free half yearly Note : No Charges will be made applicable in case of e-statement (d) CLOSURE OF CURRENT ACCOUNT i) If closed within 2 years from the date ` 500/- of opening the A/c ii) If closed after 2 years NIL : 2 :
iii) Charges for unused cheques ` 5/- per cheque leaf (e) ISSUE OF ADDITIONAL CHEQUE BOOK 50 cheque leaves free in Current, ` 5/- per cheque leaf CC, FLXLN & SOD A/c once in 3 months (f) ISSUE OF DUPLICATE STATEMENT ` 50/- for each page of statement OF A/CS for Current, CC, FLXLN & SOD A/C (g) RETURN OUTWARD (CRC/ECS/discounting of cheques/ ECS-DR/RD/NACH-DR) i) For want of funds & other reasons including Upto ` 1 lac - `. 300/- stop payment Above ` 1 lac & upto `10 lac- `. 500/- Above `10 lac - `.1,000/- ii) CRC cheques/ecs-dr/nach-dr passed in TOD ` 50/- per cheque - (SB/ CC/ CD/ FLXLN/ SOD Accounts) iii) CRC cheques/ecs-dr/nach-dr passed i)) ` 50/- per cheque + int. @ 18% p.a. against uncleared balance on uncleared balance in Current A/c. ii) ` 10/- per cheque in CC/FLXLN/All types of SOD A/c iv) Charges for cheques/ecs/nach received unpaid ` 100/- per cheque which are sent in clearing (CSC return inward) (Applicable to loan A/c also) (CD/CC/FLXLN/SOD A/cs) v) Overdrawals allowed in all types of CC A/c by ` 75/- per transaction way of cash or transfer transaction (h) SERVICE CHARGES FOR CASH DEPOSIT * Free Limit : ` 25.00 lakh during the calender i) For CC/FLXLN/ all types of SOD & CD A/cs - No month charges for deposit of currency notes for ` 100 and above denominations. For Currency notes below ` 100 denomination - *10 packets free per day & above *10 packets ` 5/- per packet (1 packet = 100 pieces) ii) In addition to above- For Current A/c - *25 paise per ` 1000/- for Cash Deposit above the free limit : 3 :
Note : For SOD/CC/FLXLN A/cs- If facility is availed just to use our Bank's services for deposit of heavy cash and use of RTGS/NEFT/POS for remittance of the funds, the charges for cash deposit will be applicable at the same rate as applicable to CD A/cs. i.e. *25 paise per ` 1,000/-. 3 TERM DEPOSITS (a) ISSUE OF DUPLICATE RECEIPT ` 25/- (to be issued in the form of Certificate) (b) DDS ACCOUNTS Please contact the Branch Manager. Closure of account before maturity (c) RECURRING DEPOSIT ` 1.50 for every ` 100/- per month (Penalty for delayed payment) (i.e. 15 paise per ` 10/-) (d) SERVICE CHARGES FOR CASH DEPOSIT NIL 4 (a) LOANS & ADVANCES, CASH CREDIT, FLXLN & SOD A/CS PROCESSING CHARGES FOR NEW APPLICATIONS ONLY/ IN PRINCIPLE ACCEPTANCE & TAKE OVER PROPOSALS ( EXCEPT HOUSING LOANS) (NON-REFUNDABLE) i) Upto ` 10 Lakh NIL ii) Above ` 10 Lakh 0.10% of the amount applied (Maximum ` 25,000/-) Note:Processing charges will be collected at the time of acceptance of new applications & adjusted towards service charges if the facility is sanctioned. Processing charges are non-refundable if the proposal is withdrawn or rejected. (b) SERVICE CHARGES FOR i) Cash Credit, Bill Discounting (Not backed by 1.3% for first sanctioned limit & subsequently Letter of Credit) & WCTL on enhanced limit subject to max. ` 25.00 Lakh (Except OD against FDRs & FLXLN) (Per party in case of combined facilities) Note: The said charges will be applicable for bill discounting other than Bills discounted under Letter of Credit (BDLC) ii) For all SOD IMP A/cs @ 1.30% on amount sanctioned iii) For Secured Overdraft (SOD) & Loans 0.70% of loan amount subject to against collateral securities like NSCs/ minimum ` 100/- maximum ` 1000 RBI Bonds/ LIP/ KVP iv) Term Loan (All Types) (Except loan against term deposit & FLXLN) 1.3% of sanctioned limit subject to maximum ` 25.00 Lakh (Per party in case of combined facilities) v) Gold Loans & SODGLD @ 0.7% of loan amount subject to minimum ` 100/- maximum ` 1000 : 4 :
vi) Housing Loan 0.7% of sanctioned limit vii) Short Term Corporate Loan (STCL) 1.3% of sanctioned limit Note :1) In case STCL is sanctioned for the period less than one year, then service charges will be collected proportionately for the number of months, considering the service charges @ 1.3% for 12 months. 2) In case of conversion of one type of facility to another no service charges. viii) Bill discounted under LC 0.1% of sanctioned limit subject to minimum of ` 250/- (will be collected at the time of discounting of bill) Note : In case of renewal of CC/BD etc. charges will be only on enhanced limit. In case of TOD, charges will be for proportionate period (monthwise). (c) NOTICE TO DEFAULTERS LOANS i) D-1 Notice ` 50/- ii) D-2 Notice ` 50/- iii) D-3 Notice ` 50/- iv) D-4 & Subsequent Notices ` 80/- if sent by Reg. A. D. otherwise ` 50/- v) Advocate Notice ` 500/- vi) Case file charges Actual vii) Visit charges per visit to borrower/ ` 150/- per visit (Only if visit notice is served) sureties for recovery purpose CASH CREDIT ACCOUNTS i) D-22 Notice ` 60/- ii) D-23 Notice ` 60/- iii) Renewal reminder notice ` 60/- iv) Notice for non-operation in account ` 60/- for more than 3 months v) Advocate notice ` 600/- vi) Case file charges Actual vii) Visit charges for recovery/ ` 150/- per visit (Only if visit notice is served) non-renewal/non-operation viii) Non display of Bank's name board at ` 500/- place of business/office/factory premises/on machinery/on vehicle (d) (e) STATUTORY NOTICE i) Issued u/s 13 (2) of SARFAESI Act ` 2,500/- ii) Reconveyance of Mortgaged Property ` 1,000/- + actual stamp duty * Charges waived for Udupi Region Branches VEHICLE ETC. i) Issue of NOC to RTO ` 50/- ii) Issue of HPTR to RTO ` 50/- iii) Seizing charges a) Two wheeler/three wheeler ` 1,500/- b) Light motor vehicle ` 2,000/- c) Heavy vehicle ` 4,000/- d) Excavators & cranes ` 10,000/- or actual outsourcing charges as approved. Note : The seizing charges will be recovered before release of vehicles : 5 :
(f) i) SEALING/ POSSESSION OF IMMOVABLE PROPERTIES a) Flat/Stall/Gala/Shop/Bunglow ` 2,000/- plus actual expenses incurred for taking possession, police protection chgs.,etc. b) Factory Premises/Industrial Unit ` 5,000/- plus actual expenses incurred for taking possession, police protection chgs.,etc. c) Possession of Flat/ Stall/ Gala/ Shop/ Bunglow through Court ` 2,000/- plus actual expenses incurred for taking possession, police protection chgs.,etc. ii) Possession of Factory Premises/ Indl. Unit through Court a) Sanctioned amt. upto ` 5.00 Lakh ` 3,000/- plus actual expenses incurred for taking possession, chgs of court official,police protection,etc. b) Sanctioned amt. above ` 5.00 Lakh to ` 50.00 Lakh ` 5,000/- plus actual expenses incurred for taking possession, chgs of court official,police protection,etc. c) Sanctioned amt. above ` 50.00 Lakh ` 10,000/- plus actual expenses incurred for taking possession, chgs of court official, police protection, etc. (g) i) ASSIGNMENT OF NSC/KVP ` 50/- per certificate & actual travelling charges not exceeding ` 200/- (both inclusive) + actual post office charges ii) ENCASHMENT OF NSC/IVP/KVP ETC. ` 100/- per certificate + actual travelling cost not exceeding ` 250/- (both inclusive) + actual post office charges (h) REASSIGNMENT OF NSC/IVP/KVP NIL (i) ENCASHMENT OF PLEDGED SHARE ` 60/-per transaction + actual brokerage CERTIFICATES - DEMAT Shares (j) ASSIGNMENT/REASSIGNMENT/ ` 50/- + *actual charges of LIC + postage ENCASHMENT OF LIP ETC. 5 BANK GUARANTEE (Fresh and renewals) (a) PARTLY SECURED BY ONLY OUR BANK'S TERM DEPOSIT i) Less than 50% of Bank Guarantee amount 2.50% per annum + ` 125/- (inclusive of claim period) ii) iii) iv) 50% or more but less than 100% of Bank Guarantee FULLY SECURED BY ONLY OUR BANK'S TERM DEPOSIT *Amendment without value enhancement & without extension of time period 1.50% per annum + ` 125/- (inclusive of claim period) 1% of BG amount subject to minimum ` 100/- & maximum ` 1,000/- Rs.300/- per amendment v) *In case of amendment with value enhancement &/or extension of time period : 6 : *Charges on pro-rata basis as per i), ii) & iii) above will be applicable in addition to Rs. 300/- per amendment.
(b) CHARGES FOR INVOKED BANK GUARANTEE ` 1,000/- per Bank Guarantee Note : i) Charges will be collected for a minimum period of 1 month or part thereof. ii) For Bank Guarantee issued through other Bank - Commission of other Bank + our commission @ 50% of above will be collected. 6 SOLVENCY CERTIFICATES/CREDIT WORTHINESS CERTIFICATES/CERTIFICATE FOR GRANTING LOANS & ADV. (SUBJECT TO COMPLIANCE OF CONDITIONS) Upto ` 25.00 Lakh ` 200/- per ` 1.00 Lakh or part thereof subject to maximum ` 2,500/- Above ` 25.00 Lakh to ` 50.00 Lakh ` 5,000/- Above ` 50.00 Lakh to ` 1.00 Crore ` 10,000/- Above ` 1.00 Crore to ` 10.00 Crore ` 15,000/- Above ` 10.00 Crore to ` 25.00 Crore ` 20,000/- Above ` 25.00 Crore ` 25,000/- Note : 1) If certificate is issued to individuals for their ward's education purpose, 25% of the charges as mentioned above. 2) In case of extra original copy of same certificate ` 115/- per certificate. 7 ISSUE OF INLAND LETTER OF CREDIT I (a) Commitment charges 20 paise per ` 100/- per quarter or part thereof Note : will be collected at the time of opening of L/C (b) Usance Charges i) For Sight L/C 20 paise per ` 100/- ii) Upto 6 Months Usance 20 paise per ` 100/- per month or part thereof (c) Postage etc. ` 50/- or actual postages whichever is higher II Amendment without extension of period or enhancement in the value of the L/c Enhancement in value or extension of period ` 500/- Recalculate committement and usance charges as per 1 (a) (b) above and difference will be levied III Advising letter of Credit ` 500/- + postage ` 50/- or actual whichever is higher Advising amendment to letter of credit : 7 : ` 250/- + postage ` 50/- or actual whichever is higher
IV Reinstatement commission for Revolving L/C 20 paise per ` 100/- per quarter or part thereof + usance charges as per tenor of the bill V VI Postage etc. Retirement of Documents Inland LC Documents received with discrepancies ` 50/- or actual postages whichever is higher 30 paise per ` 100/- or part thereof minimum ` 250/- & maximum * ` 7,500/- ` 500/- per set of discrepant documents will be deducted from the proceeds. VII VIII Inland Letter of credit issued through other Bank's like HDFC Bank / Bank of India/UBI, etc. Inland LC Transmission through SFMS: i) Issue of Full Text L/C `.1,000/- ii) Transmission of any other message `.300/- Charges will be levied as per our charges structure above or as per rate of charges levied by that Bank whichever is higher. In case other Bank charges are higher, then flat Rs.300/- will be collected in addition to other Bank's charges 8 (a) CHEQUES & BILLS COLLECTION COLLECTION OF OUTSTATION CHEQUES (IBC / OBC) i) Upto & Including ` 5000/- ` 25/- ii) Above ` 5000/- upto & including ` 10,000/- ` 50/- iii) Above ` 10,000/- upto & including ` 1,00,000/- ` 100/- iv) Above ` 1,00,000/- ` 165/- v) Charges for return unpaid outstation 50% charges as above 8 (a) + actual postage & cheques ` 5/-(to compensate component of service tax) (b) RTGS/NEFT INWARD/OUTWARD Please contact the Branch Manager CHARGES : 8 :
(c) COLLECTION OF OUTSTATION BILLS IBC/OBC/BD/SBD i) Upto ` 1,000/- ` 20/- ii) Above ` 1,000/- upto ` 5,000/- ` 35/- iii) Above ` 5,000/- upto ` 10,000/- ` 60/- iv) Above ` 10,000/- upto ` 1.00 Lakh ` 6/- per ` 1,000/- or part thereof v) Above ` 1.00 Lakh ` 5.50 per ` 1,000/- as part thereof subject to minimum ` 600/- maximum ` 2,000/- vi) Charges for return unpaid outstation bills 50% charges as above 8 (c) subject to minimum ` 20/- vii) Postage Actual viii) Supply bill discounting Handling charges - ` 25/- per bill (d) BILLS NEGOTIATED UNDER L/C (Handling charges) ` 1,000/- + Postage 9 [I] (a) PAY ORDERS ETC. ISSUE OF PAY ORDERS i) Upto ` 500/- ` 10/- ii) Above ` 500/- upto ` 1,000/- ` 15/- iii) Above ` 1,000/- upto ` 5,000/- ` 25/- iv) Above ` 5,000/- upto ` 20,000/- ` 30/- v) Above ` 20,000/- upto ` 2.00 Lakh ` 50/- vi) Above ` 2.00 Lakh ` 100/- (b) CONCESSIONAL RATE FOR STUDENTS 50% of above charges - 9 [I] (a) subject to EXAM FEES/PAYMENT TO COLLEGE/ minimum of ` 10/- UNIVERSITY, PENSIONERS & SENIOR CITIZENS (c) i) ISSUE OF DUPLICATE PAY ORDER/ISSUE OF ` 50/- FRESH PAY ORDER AGAINST REVALIDATION ii) STOP PAYMENT / CANCELLATION OF ` 50/- PAY ORDER (d) ISSUE OF PAY ORDER FAVOURING OUR BANK Nil : 9 :
[II] ISSUE OF ICICI BANK/HDFC BANK Same as pay order charges mentioned in CHEQUES UNDER CHEQUE DRAWING 9 [I] (a). For cancellation ` 50/- to be ARRANGEMENT collected as in case of pay orders 10 SAFE DEPOSIT LOCKERS (a) OPENING OF LOCKERS i) Key Deposit i) Small size locker - ` 8,000/- (Includes charges for break open in cases of ii) Medium size locker - ` 17,000/- non-payment of rent) iii) Large size locker - ` 30,000/- ii) Service Charges ` 500/- plus franking amount (b) RENT PER YEAR (1st April to 31st March) Type Dimension (cms) i) Small Size A 12.5x17.5x49.2 ` 1200/- 11.4x16.5x49.2 B 15.9x21.0x49.2 ` 1500/- 15.2x20.3x49.2 ii) Medium Size 2A 12.5x35.2x49.2 ` 2400/- 11.4x33.0x49.2 2B 15.9x42.3x49.2 ` 3,000/- 15.2x40.6x49.2 30.5x20.3x49.2 17.8x26.7x49.2 iii) Large Size 4A 27.8x35.2x49.2 ` 5,000/- 26.7x33.0x49.2 17.8x53.3x49.2 4B 32.1x42.3x49.2 ` 6,000/- 30.5x40.6x49.2 38.1x53.3x49.2` 7,000/- 36.8x53.3x49.2 (c) NUMBER OF ACCESS ALLOWED Every quarter 10 access free ` 50/- PER QUARTER per additional access over & above 10 free access in the quarter : 10 :
(d) DELAY IN PAYMENT OF RENT Small lockers - Medium lockers - Large lockers - ` 50/- p.m. ` 75/- p.m. ` 100/- p.m. (e) BREAK OPEN OF LOCKER IN CASE OF ` 1000/- plus actual charges LOSS OF KEY/NON PAYMENT OF RENT (f) SURRENDER OF LOCKER # ` 1500/- (If locker surrendred within 3 Years from date of hire) (g) SAFE CUSTODY CHARGES 1) Gold loan closed but pledged ornaments are ` 300/- p.m. not claimed within 1 month from date of closure (after sending the notice to the loanee regarding the charges) 2) Sale of pledged gold ornaments by auction i) Loans upto ` 5,000/- ` 150/- + applicable tax + actual gold valuer charges ii) Above ` 5,000/- upto ` 50,000/- ` 250/- + proportionate advertisement charges + Applicable Tax+actual gold valuer charges iii) Above ` 50,000/- ` 300/- + proportionate advertisement charges + Applicable Tax+actual gold valuer charges 11 DEMAT SERVICE TARIFF & CHARGES 1) Account Opening Charges NIL 2) Transaction Charges NIL Purchase / Credit 3) Transaction Charges Sales / Debit 0.04% Subject to minimum of `. 21/- Per transaction (ISIN) 4) Demat Charges `. 3/- per Certificate (Min. `. 15/-) + `. 30/- Courier Charges 5) Remat Charges `. 25/- per Certificate + `. 30/- Courier Chg. 6) Account Maintenance Charges (Per annum) `. 300/- for Individuals `. 900/- for Others 7) Pledge / Unpledge / Invocation `. 50/- per ISIN 8) Freeze Charge `. 50/- per ISIN 9) Custody Fees NIL 10) Failed Instruction Charges `. 25/- per ISIN : 11 :
11) Account Maintenance Charges (Per annum) Nil for holding < `. 50,000/- for Basic Services Demat Account (BSDA) Holding from `. 50,001/- to `. 200,000/- AMC of `. 100/- Holding > `. 200,000/- Will be charged as applicable to Normal Demat Account. (6 above) Conditions: ( *As per SEBI Guidelines) a) The above charges are exclusive of service tax & Cess which will be charged as per the applicable rates. * b) All new/eligible Demat Accounts will be automatically BSDA Accounts during Account opening/new billing cycle. c) Annual Account Maintenance and Demat Charges are payable upfront. d) All other charges are payable monthly. e) Same day execution instructions will be accepted on a best effort basis at the sole risk and responsibility of the client. The Bank will not be held responsible for non-execution of same day instructions. The Bank also reserves its right to charge an additional fee @ Rs. 25/- per ISIN. f) Transaction / Holding cum Billing statements will be sent once in a month, provided there is a transaction, else once in a quarter. (Additional statement charges `. 15/- per page). g) For BSDA, Bank will provide two statements free of cost during the billing cycle. Additional physical statement will be charged `. 25/- per statement. 12 GENERAL (a) ISSUE OF OUR BANK'S SHARE ` 10/- per certificate CERTIFICATE/ *PNCPS (DUPLICATE) (b) TRANSFER OF SHARE CERTIFICATE ` 10/- per certificate (Refer Bye-laws) (c) ISSUE OF ANY OTHER CERTIFICATE BY BANK ` 50/- per certificate / request FOR THE PURPOSE OTHER THAN FOR OUR BANK'S PURPOSE (including verification of signature/ recording of ECS mandate) (d) SMS NOTIFICATION CHARGES ` 15/- per account per quarter (for SB/CD & all types of CC A/cs) (e) i) INCOME TAX CERTIFICATE FOR INTEREST ON Nil TERM DEPOSIT/ SAVINGS A/C OR BALANCE CERTIFICATE ii) DUPLICATE CERTIFICATE AS ABOVE ` 30/- per certificate (f) STOP PAYMENT INSTRUCTIONS ` 25/- per cheque per instruction (All a/cs with cheque book facilities) (maximum ` 500/- ) (g) FATE ENQUIRIES (at customers request ) i) Savings a/c ` 50/- per enquiry ii) Current, CC, FLXLN & SOD A/cs only ` 150/- per enquiry (h) SURRENDER/LOSS OF ATM CARD ` 100/- : 12 :
(i) ISSUE OF DUPLICATE ATM CARD * ` 100/- (j) LOSS OF PIN/ PASSWORD RETRIEVAL ` 50/- (k) LOSS OF CHEQUE BOOK REQUISITION Savings A/c - ` 25/- per request SLIP CD/CC/FLXLN/SOD A/c - ` 50/- per request (l) DOCUMENTS FRANKING CHARGES ` 10/- per document Note : i) Charges applicable for Bank's Documents also. (m) ENQUIRY RELATED TO OLD RECORDS More than 12 months old record *` 150/- per instrument / document (n) ALLOWING OPERATIONS IN ACCOUNT THROUGHSB A/c. - ` 25/- POWER OF ATTORNEY CD/CC A/c. - ` 100/- On every change (o) SERVICE CHARGES FOR ISSUE OF NIL "LIFE CERTIFICATE" TO SENIOR CITIZENS (p) COLLECTION OF CHARGES TOWARDS Please contact the Branch Manager CERSAI REGISTRATION (q) CHARGES FOR e-payment TAX ON BEHALF i)upto `.50,000/- - `.30/- OF THE CUSTOMERS ii)above `.50,000/- - `.50/- (r) *INWARD ECS MANDATE i) Inward mandates received from NPCI for * ` 50/- per instance approval, and debit to accounts with us. ii) iii) Mandates received by our Branches from our customers for credit of loan, etc. accounts with other institutions, Banks, (debit to acccounts with us) etc. scanned and uploaded by us to NPCI. Mandates received from our customers for repayment of Loan installments (loan accounts with us), payment of RD installments (RD acccounts with us) etc., scanned and uploaded by us to NPCI. * ` 50/- per instance NIL (s) * ECS RETURN CHARGES FOR LOAN INSTALMENTS (Our Bank will present ECS/ACH recovery of installment between 5th and 10 th of the month. If the transaction is Returned with the reason ' Funds insufficient', representation of the transaction will be done between 15th and 20th of the month). Return Charges will be as follows: i) If the transaction is successful, that is repayment received by either presentation. ii) If transaction is returned unpaid on both occasions NIL `.200/- ************************* : 13 :
Part II 1 (a) PENAL CHARGES IN CC/ FLXLN/ Please contact the Branch Manager SOD/ LATD /TERM LOAN A/cs. (b) CHEQUE DISCOUNTING & Please contact the Branch Manager CHEQUE PURCHASE (In case payment of salary cheque is effected as per rules, no service charges will be levied, also in case of discount of our Bank's pay order no charges/ interest will be collected) (c) DRAWALS AGAINST CHEQUES PRESENTED IN CLEARING i) Savings A/c (for drawals above Incidental charges @ 18% p.a. ` 5,000/- only) ii) Current, CC, FLXLN & SOD A/cs Incidental charges @ 18% p.a. on uncleared amount ************************ PART III 1 (a) GOLD APPRAISAL CHARGES ` 5/- per gm (gross) min `100/- (To be reimbursed to gold valuer) (b) SUPPLY OF APPLICATION FORMS i) Loan application with surety consent letter ii) Bank guarantee application (including surety consent letter) iii) Solvency certificate application ` 25/- each iv) Cash credit/ LC application and two sureties v) Composite loan/ CC/ Bank Guarantee application for facility above ` 15.00 Lakh ************************* : 14 :