Schedule of Service Charges on Inland Transactions w.e.f. 18.04.2016 Prodcuts and Services Povided free of Service Charges Nature of Service 1 2 3 4 5 6 7 9 Transfer, Collection, Remittance & Cash Transactions UNION BANK OF INDIA Remittances for creation of a term deposit or payment of installment of cumulative deposit through DD,Cash,RTGS/NEFT/ Intersol Fund Transfer Intersol credit through cheques/ requests for intersol transfer Repayment of loan through cash Safe custody of Bank's own Deposit Receipt Statement of account Updation of passbook Issuance of duplicate deposit receipt Enquiry/statement of account (downloaded/printed) through Internet Banking/Telebanking 1 Fund Transfer through the following modes: (i) Non-individuals RTGS - Inward a) `2 lacs to 5 lacs (As per time of entry in FINACLE as follows) Individuals 08:00 hrs to 11:00 hrs Per Transaction 28.63 28.63 After 11:00 hrs to 13:00 hrs Per Transaction 30.92 30.92 After 13.00 hrs Per Transaction 34.35 34.35 b) Above `5 lacs (As per time of entry in FINACLE as follows) 08:00 hrs to 11:00 hrs Per Transaction 57.25 57.25 After 11:00 hrs to 13:00 hrs Per Transaction 59.54 59.54 After 13.00 hrs Per Transaction 62.98 62.98 (ii) NEFT - Inward (iii) Intersol fund transfer through cheques/ requests for intersol transfer Upto `10000 2.86 2.86 Above `10000 to 1 lac 5.73 5.73 Above `1 lac to 2 lacs Per Transaction 17.18 17.18 Above `2 lacs Per Transaction 28.63 28.63 (iv) At par multicity cheques issued by Upto `1 lac customers & presented at clearing Above `1 lac to 2 lacs house at non-base centre Per Transaction 16.50 16.50 (v) Nature of Service RTGS -Outward (Minimum amount of remittance under RTGS - `2 lacs) NEFT - Outward At par multicity cheques presented under CTS Particulars Above `2 lacs to 5 lacs Per Transaction 26.50 26.50 Above `5 lacs Per Transaction 52.50 52.50 2 Speed Clearing (to by Upto `1 lac collecting bank from customers) `1 lac & above Per Transaction 172.00 172.00 3 Electronic Clearing Service Applicable for debit as well as credit clearing 4 Collection of Outstation cheques Unit Per transaction 3.50 3.50 Upto `5000 Per cheque 29.50 29.50 Above `5000-10000 Per cheque 57.50 57.50 Above `10001-1 lac Per cheque 114.50 114.50 Above `100000 Per cheque 200.00 200.00 Service Charges (`)
5 Collection of Bills 6 Upto `10000 Per bill 125.00 125.00 `10001 1 lacs Above `1 lacs - `25 lacs Per 1000 11.50 11.50 Minimum 125.00 125.00 Per 1000 10.50 10.50 Minimum 1028.00 1028.00 Above `25 lacs Flat 28625.00 28625.00 Demand Draft Upto `5000 Per remittance 51.50 51.50 `5001 10000 Per remittance 77.50 77.50 7 Remittances against tender of cash (Maximum remittance `50000) `10001 1 lac Above `1 lac DD Per 1000 5.00 5.00 Minimum 77.50 77.50 Per 1000 4.50 4.50 Minimum 500.00 500.00 Maximum 15286.00 15286.00 Applicable normal remittance charges plus 50% of normal charges Upto `1000 - Normal charges Above `1000 - Applicable normal remittance charges plus 50% of normal charges 8 Purchase of DD for educational purpose by students NEFT Per Transaction 16.50 16.50 Upto `5000 Per DD N.A. 20.00 Above `5000 N.A. Normal charges applicable to DD 9 Issue of duplicate DD/Cancellation/ Upto `5000 Per DD 21.50 21.50 Revalidation of DD (Revalidation `5001-1 lac Per DD 51.50 51.50 allowed upto 1 year from the date Above `1 lac Per DD 150.00 150.00 of issue) For students Per DD N.A. 16.50 10 Cash transactions (i) Cash withdrawal in SB/CD/CC/OD (ii) Cash Deposit in SB accounts I) Cash Deposit at Base Branch II) Cash Deposit at Non-base Branch - Cash Deposit Upto `50000 per - Cash Deposit above free limit Per `1000 1.00 1.00 Minimum 10.00 10.00 Maximum 10382.00 10382.00 (iii) Cash Deposit in CD/CC/OD accounts Cash Deposit upto `1lac per day Cash Deposit above `1 lac per day (Base as well as non-base branch) Per `1000 1.00 1.00 Minimum 10.00 10.00 Maximum 11450.00 11450.00 Other charges Nature of Service Particulars Unit 1 Duplicate Statement/ Pass book For entries upto one year (40 entries to be treated as one ledger folio) For entries older than one year (40 entries to be treated as one ledger folio) Non-individuals Individuals SB - Per folio 82.00 61.50 Maximum 2000.00 1500.00 CD -Per folio 82.00 61.50 Maximum 2000.00 1500.00 SB - Per folio 102.00 76.50 Maximum 10000.00 7500.00 CD - Per folio 204.00 154.00 Maximum 10000.00 7500.00 2 Duplicate Deposit Receipt 3 Issue of cheque books Per ch. Leaf 3.50 3.00 4 Stop Payment Instructions Single cheque Per instruction 172.00 129.00 Range of cheques Service Charges (`) Subject to 40 free cheque leaves in a financial year in SB Accounts SB - Per instruction 400.00 300.00 CD - Per instruction 764.00 572.50
5 Standing Instructions Setting up charges (one time) 58.00 58.00 6 Inability to carry out standing instructions due to insufficient balance in the account Plus charges for fund transfer i. Transfer to our branches ii.transfer to other banks Actual ramittance charges Actual ramittance charges Per occasion 114.50 114.50 7 Enquiry relating to old records 1 to 3 year old Per item 154.00 154.00 (More than 12 months old) 3 to 5 year old Per item 230.00 230.00 More than 5 year Old Per item 358.00 358.00 8 Charges for non-maintenance of SB - With ch.book Shortfall in AQB minimum Average Quarterly 501-1000 114.50 114.50 Balance 251-500 57.50 57.50 9 Closure of Account within 12 months - Without ch.book Shortfall in AQB Upto 250 28.50 28.50 251-500 43.00 43.00 Upto 250 21.50 21.50 SB(Pension) - with / without N.A. chequebook SB of senior citizens N.A. CD - Companies Per quarter 572.50 N.A. CD - Others Per quarter 400.00 400.00 I. Accounts closed within 14 days of opening II. Accounts closed after 14 days of opening i) SB - with cheque book 229.00 172.00 - without cheque book 172.00 129.00 ii)cd Companies 1145.00 N.A. - Others 572.50 430.00 10 Inoperative/Dormant Account i) Account with minimum balance or above ii) Account below minimum balance - Metro/Urban - SB Per annum 229.00 229.00 - Metro/Urban - CD or outstanding balance 572.50 572.50 whichever is less - Semi-Urban/ Rural - SB 85.00 85.00 - Semi-Urban/ Rural - CD 343.50 343.50 iii) Account with Balance less than dormancy charges Full balance amount to be appropriated and a/c to be closed after following precribed procedure. Full balance amount to be appropriated and a/c to be closed after following precribed procedure. 11 Charges for customer induced debit entries in excess of 60 entries per quarter in SB A/c per entry 16.50 16.50 12 Ledger Folio used in CD/OD/CC A/cs Per folio 114.50 114.50 (For Accounts maintained on Subject to free folios p.a. as under : computer 40 entries or part thereof Avg. cr. Bal.(`) Free Folios Free Folios to be treated as one ledger folio) 13 Presentation of Usance Bills for acceptance Note:1) Dormancy period: 2 years Note:2) Folio charges in CC/CD accounts will be applicable to dormant CC/CD accounts. Note:3) Charges for non-maintenance of minimum balance will also wherever applicable. Upto 50,000 Above 50,000-1 lac 3 3 Above 1 lac - 5 lacs 5 5 Above 5 lacs All All Per bill 150.00 150.00
14 Safe Custody charges Scrips Per scrip 13.50 13.50 Minimum 125.00 125.00 Sealed Covers Per cover 250.00 250.00 Sealed boxes: Upto 1000 cc Per box 685.00 685.00 Upto 8000 cc Per box 1371.00 1371.00 Upto 27000 cc Per box 2056.00 2056.00 Per cc 0.19 0.19 Minimum 4111.00 4111.00 Bank's Own Deposit Receipt 15 Attestation of customer's signature For obtaining loan from other Per Occasion 114.50 114.50 banks/ institutions/other purposes 16 Issuance of any other certificate SB Per certificate 114.50 114.50 e.g. No Dues, Balance Confirmation, Maintenance of A/c., etc. on behalf of our clients as well Business Purpose as clients referred by other banks Per certificate 572.50 572.50 other than for govt. sponsored schemes 17 Photo attestation 114.50 114.50 18 Certifying or verifying customer Per mandate 114.50 114.50 ECS mandates 19 Providing record copy of cheque Per instrument 114.50 114.50 20 SMS Banking Per quarter 15.00 15.00 21 Change in authorised signatory including reconstruction of account For every change 114.50 114.50 22 Transfer of account Actual out of pocket 23 Payment of Deposit Receipt to another bank Actual out of pocket Actual out of pocket Actual out of pocket 24 Postal charges Actual expenses Actual expenses 25 Handling charges for cheques returned unpaid (including cash/transfer cheques) i) Local a) Return of Outward Clearing Cheques i.e. cheques lodged by customers for collection and returned to us by other banks (Due to in-sufficient funds & technical reasons) b) Return of Inward clearing cheques i.e. cheques drawn on our branches returned to other banks (Due to technical reason) c) Return of Inward clearing cheques i.e. cheques drawn on our branches returned to other banks (Due to financial reasons) 114.50 114.50 114.50 114.50 Upto `5 lacs 229.00 229.00 Above `5lacs `10lacs 572.50 572.50 Above `10 lacs ii) Outstation Base Rate + 4.50% p.a. for 1 day plus service tax Base Rate + 4.50% p.a. for 1 day plus service tax Minimum 572.50 Minimum 572.50 Minimum 57.50 Minimum 57.50 26 Handling charges for bills returned Local 114.50 114.50 unpaid Outstation 27 Returning charges on Debit clearing under ECS Large boxes Minimum 114.50 Minimum 114.50 114.50 114.50
Safe Deposit Vault Rental (p.a.) Type of Locker A B C D E F G H H-1 L L-1 Rural/ Semi Urban Urban Branches Metro Branches 857.00 1143.00 1431.00 857.00 1143.00 1431.00 1714.00 2855.00 3149.00 1714.00 2855.00 3149.00 1714.00 2855.00 3149.00 2855.00 3426.00 4294.00 2855.00 3426.00 4294.00 2855.00 3426.00 4294.00 1714.00 2855.00 3435.00 4578.00 5725.00 6870.00 4578.00 5725.00 6870.00 SDV/Strong Rooms, etc. of sizes other than A to L-1 - proportionate rent of the SDV of maximum size that can be fitted into should be charged. Penal interest @ 18% on rent overdue with the minimum of `5 will be levied. Lockers can be leased for a period upto 3 years at a time subject to advance payment of rent. However, there would not be any concession in case advance rent is paid by customer. The rent payable for the overdue period upto the date of revision i.e.17.04.2016 would at old rate and w.e.f. 18.04.2016 the rent at the revised rate would. Where rent for 3 years has been recovered prior to revision, no difference would. Refund of advance rent may be allowed for the unexpired period in case the locker is surrendered before the expiry of the period of 3 years for which advance rent is paid. The refund will be made for unexpired period in complete years i.e. fraction of a year remaining in the year of surrender will be ignored. e.g. if the locker is surrendered after 1 year 4 months the refund will be allowed only for the period of 1year and not for 1 year 8 months. Loss of Safe Deposit Locker Key Actual expenses plus service tax Charges for Locker Operations Free operations p.a. Charges beyond 24 free operations p.a. Per Operation Minimum `1145.00 24 `57.25 All charges mentioned above are inclusive of Service Tax & Education Cess @14.5% Average Quarterly Balance (AQB) Requirement CENTRES Average Quarterly Balance (AQB) Savings Bank Accounts Current Deposit Accounts Without chequebook With chequebook Company Others Metro 500 1000 10000 5000 Urban 500 1000 10000 3000 Semi-urban 250 500 10000 2000 Rural 100 250 5000 1000 (Amount in `) Account Type Pension Accounts - Account without chequebook `20 - Account with chequebook `250 BSBDA/BSBDS Accounts Foreign Exchange Transactions (w.e.f. 15.11.2015) Services 1 Remittance Outward 1.1 On all foreign currency outward remittance not being proceeds of import bills Service Charges 0.143% with minimum `344/- Maximum `11450.00 1.2 Advance payment for Import Upto `10 lacs `1145.00 `10 lacs - 20 lacs `2290.00 Above `20 lacs 0.115% Maximum `22900.00 1.3 Remittance in conncecetion with portfolio investments, dividend, travel agents remittance of recurring nature Upto `2.00 lacs or equivalent `286 per remittance AQB
Over `2 lacs or equivalent 0.143% Minimum `286/- Maximum `1145/- 1.4 Issuance of DDs towards gifts, donations, students applications,subscriptions etc. Upto USD 500 Above USD 500 `115.00 [Swift charges, if any, collected seperately] `229.00 [Swift charges, if any, collected seperately] 1.5 Any other case where the bank does 0.143% Minimum `115/- not earn any exchange margin 2 Remittance Inward: 2.1 Inward Remittance in respect of which cover has been received in Nostro Account Upto USD 500 `115.00 Above USD 500 `229.00 2.2 Purchase of TTs/ Purchase of MTs /DDs where cover has not been received in Nostro Account TT buying rate plus exchange margin of 0.125%. Interest shall be recovered seperately from the customer at domestic commercial rate for a transit period of 15 days. 2.3 Purchase of customer's personal cheques, demand drafts, international money orders, bankers pay order payable abroad. TT buying rate plus exchange margin of 0.125%. Interest shall be recovered seperately from the customer at domestic commercial rate for a transit period of 15 days.overdue interest to be collected if the instrument is returned unpaid from 16th day. 2.4 Encashment of FC(Exporters)Rupee 0.0.25% towards exchange margin 2.5 Encashment of FC(Others). No commission 3 TCs - Encashing 4 TCs - Foreign Currency (Sale): 4.1 Commission on Rupee equivalent payable by customers 0.573% Minimum `286/- 4.2 0.286% Minimum `286/- Commission on foreign currency TCs issued against foreign currency remittance received in Nostro Account, at the request of benificiary All charges mentioned above are inclusive of Service Tax & Education Cess @14.5% Retail Loan 1 Loan Processing Charges: 1.1 Union Home 0.50% of loan amount subject to a maximum of `15000 (plus service tax ) 1.2 Union Trade Upto `25000 `25001-2 lacs `285.39 per proposal Above `2 lacs-10 lacs `224.72 per `1 lac `10 lacs - 1 crore `173.03 per `1 lac Minimum `2813.49 Above ` 1 crore `112.36 per `1 lac Minimum `16854 Maximum `561800 1.3 Union Miles For two wheelers `250 (plus service tax) Four wheelers<2lacs `500 (plus service tax) Four wheelers>2lacs `1000 (plus service tax) 1.4 Union Mortgage 0.50% of loan amount (plus service tax) 1.5 Union Health 0.50% of loan amount (plus service tax) 1.6 Union Comfort
Loan upto `10000/- `100 plus service tax Loan upto `50000/- `250 plus service tax Loan above `50000/- `500 plus service tax 1.7 Union Top Up 0.50% of Top up amount (plus service tax) 1.8 Prepayment Charges for retail advances No prepayment charges if the loan is adjusted by the borrower from his own verifiable legitimate sources. 1.9 Take over penalty for all retail loans 2% on the average balance of the /advances: If the loan is taken over preceeding 12 months. by any other bank /Financial Institution or adjusted by the borrower in lumpsum from any third source / party( except genuine sale). 2 Charges for late payment of EMI 2% additional interest on the overdue instalment amount 3 Charges for changing from fixed to 1% of the outstanding loan amount in floating rates of interest.( Housing the existing housing loan provided: loan borrowers having loan 1) The borrower is regular in outstandings of `2.00 lacs and payment of loan instalments and above are only eligible). 2) EM formalities are completed. 4 Charges for changing from floating to fixed rates of interest One time payment of 2.50% of outstanding loan amount irrespective of the quantum of outstanding Cards 1 Debit Card/ ATM Card 1.1 Membership fee 1.2 Annual fee (i) Accounts with AQB of `5000 - (ii) Accounts with AQB below `5000 - `100 plus service tax 1.3 Renewal Charges Not applicable 1.4 Late Payment Charges Not applicable 1.5 Replacement charges `100 plus service tax 1.6 Cash withdrawal at Union Bank ATMs 1.7 Cash withdrawal from Cash Tree member bank's ATM 1.8 Cash withdrawal from other bank ATMs(Visa) Domestic `20 plus service tax (5 transactions free to SB accounts) `20 plus service tax (5 transactions free to SB accounts) 1.9 Cash withdrawal from other bank ATMs(Visa) International `125 plus service tax + 2% currency conversion charges 1.10 Cash withdrawal from SBI ATM `20 plus service tax (5 transactions free to SB accounts) MISCELLANEOUS Balance enquiry At Customer's branch At other Bank Visa ATM (Domestic) At other Bank Visa ATM (International)) At SBI ATM Solvency Certificate Upto `1 lac `1lac - 5lacs `5lac - 10lacs `10lacs - 25lacs `25lacs - 50lacs `50lacs - 1crore Above `1 crore `250.00 + service tax `1000.00 + service tax `2000.00 + service tax `2500.00 + service tax `5000.00 + service tax `15000.00 + service tax `25000.00 + service tax