Service Charges

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Service Charges

A. SERVICE CHARGES- DEPOSITS

Sr No	Particulars		Type	Service Charges excluding GST	S/M
1	Non Maintainance of Minimum Balance	A	SB - Operative (Based on Monthly Average Balance)	Metro/Urban MAB Rs 2000/- Balance >=1,000 to < 2,000 Rs. 38/- per month Balance>=500 to < 1,000 Rs. 56/- per month Balance Rs. 0 to < 500 Rs. 75/- per month Semi Urban : MAB Rs. 1,000/- Balance>=500 to < 1,000 Rs. 25/- per month Balance>=250 to < 500 Rs. 38/- per month Balance Rs. 0 to < 250 Rs. 50/- per month Rural Branches: MAB Rs 500/- Balance>=250 to < 500 Rs. 10/- per month Balance >=125to < 250 Rs. 15/- per month Balance Rs. 0 to < 125 Rs. 20/- per month MAB – Monthly Average Balance	S
				If charges are levied for two consecutive quarter A/c may be closed after giving due notice. (Minimum balance condition and related charges are not applicable for 'Yuva Yojna', 'Pension' and 'No Frills/BSBDA accounts, Mahasarvajan Savings Bank accounts and other products where minimum balance condition is not applicable)	S
		B	Royal SB	Below Minimum Monthly Average Balance (*MAB) of Rs. 1,00,000/- : Rs 1,000/- per quarter	S
		C	Purple SB	Below Minimum Monthly Average Balance (*MAB) Rs 3,00,000/- No penalty. If required balance is not maintained for TWO consecutive qtrs., branches may take a call to convert the account into normal SB and withdraw the benefits, based on merit of the account	S
		D	CA - Operative	Metro / Urban / Semi urban : MAB Rs. 5000/- Charges: Rs. 800/- per month Rural : MAB Rs 2500/- Charges :Rs. 175/- per month *MAB – Monthly Average Balance	S
		E	Diamond CA	QAB Rs 1 Lakh: Rs. 2500/- Qtrly	S
				MAB- Monthly Average Balance QAB-Quaterly Average Balance	S
2	Duplicate Passbook / Account Statement(Through Counter)	A	SB	Initial or continued passbook free. Rs.100/- per duplicate Passbook with latest balance plus Rs.75/- per group of 25 entries or part thereof	S
		B	CA / CC	First Statement : Free Duplicate account statement: Rs.100/- per 25 entries or part thereof	S
		C	TD	Rs. 100/- for duplicate of lost receipt	M
3	Cheque Leaves	A	SB	20 free leaves p.a. Rs.5.00 per additional leaf (Rs 100/- for cheque book of 20 leaves)	S
		B	Royal SB	100 free leaves p.a.	S
		C	Purple SB	200 free leaves p.a.	S
		D	CA / CC	Rs.5.00 per leaf (Rs 250/- for cheque book of 50 leaves)	S
4	Loss of Chq Book	A	SB	NIL	S
4	Loss of Chq Book	B	CA / CC	NIL	S
5	Cheque Return	A	Outward (Return of cheques drawn on our Bank)	Financial reason:Rs.500/- Per Chq upto three cheque return in a month; Thereafter, Rs.1000 per return in the same month for financial reasons Non-Financial reason attributable to drawer : Rs. 150/- Per Chq per occasion	S
5	Cheque Return	B	Inward (Return of cheques deposited by our customers)	Financial reason: Rs.500/- Per Chq Non-Financial reason attributable to drawer: Rs. 150/- Per Chq	S
6	Stop Payment	A	SB	Rs.200/- per cheque. Max.Rs.1000/- per reference (No Charges for Stop Transaction through Digital Channels)	S
6	Stop Payment	B	CA / CC	Rs.300/- per cheque. Max.Rs.2000/- per reference (No Charges for Stop Transaction through Digital Channels)	S
7	Account Maintainance	A	SB	NIL	S
7	Account Maintainance	B	CA / CC	CA - On the basis of Quarterly Average Balance (QAB) in the previous quarter Below Rs 1,00,000 : Rs 200/- per quarter >=1,00,000 to < 2,00,000 : Rs 150/- per quarter >=2,00,000 to < 5,00,000 : Rs 100/- per quarter >= Rs 5,00,000 : Free For Newly opened Current a/c : Rs 150/- in 1 st quarter or part thereof. CC - Rs 150/- per quarter Business Correspondents- Account Maintenance charges not applicable to BCAs & Govt. accounts.	S
8	CBS Transactions	A	Cash Deposit: SB Account	Free - 3 Cash Deposit Transactions per month (excluding Alternate channel transactions) After 3 free transactions in a month : Rs 100/- per transaction. To be applied at the time of Cash Deposit (Cash handling charges extra) Excluding : BSBDA/FI/PMJDY accounts.	S
		B	Cash Withdrawal (At home and NonHome branches)	Free - 3 Cash Withdrawal Transactions in a month in both home & non-home branch put together (excluding Alternate channel transactions) After 3 free transactions in a month : Rs 100/- per transaction. To be applied at the time of withdrawal Payment of Chq at Non-Home branch, cash payment only against self-drawn cheque. Subject to cap of Rs. 50000/- per day.	S
		C	Cash handling	1. For SB,CA, Mixi OD, CC Account Holders: Up to Rs. 1,00,000/- per day : FREE For cash deposits above Rs. 1,00,000/- , cash handling charges at Re. 1/- per Rs. 1,000/- or part thereof; With a minimum of Rs. 100/- per transaction and a maximum of Rs.10,000/- per transaction. For two or more trnx in a day, charges shall be collected by taking cumulative total of the cash deposited during the day on the amount in excess of Rs. 1 lakh. 2. Diamond Accounts: No charges 3. No Charges for Loan / NPA / Write off recovery	S
		D	Transfer of Funds (at Non-home branches)	Free	S
		E	Collection of cheques (at Non-home branches)	Free	S
9	SMS Alert	A		SB - Rs 15/- per quarter CA/CC - Rs 25/- per quarter	S
9	SMS Alert			Following categories of customers are exempted from SMS alert charges : BSBDA/FI/PMJDY Customers, Staff members (including ex-staff members) & Pension Account Holders
10	Reconstitution of Account	A	Verification of Signature	Rs 150/- per verification per instance	M
		B	Change of signatures	Rs. 150/- per occasion	M
		C	Attestation of Photograph	Rs 150/- per verification per instance	M
		D	Addition/deletion of names in accounts/reconstitution of accounts	Rs. 150/- per occasion	M
		E	Operational instructions (including lockers)	Rs. 150/- per occasion	M
		F	Change in email / address / mobile number	1st Occasion : Free 2nd Occasion & thereon : Rs 150/- per instance	M
		G	Nomination (through branch)	1st registration of nomination : Free per account Change in registered nomination : Rs 100/- per instance per account Nomination re-registration (in case of deceased nominee) : Nil (Nil, if done through alternate channels)	M
11	Enquiry relating to old records	A	upto 6 months	Rs. 150/- per item	M
		B	upto 1 year	Rs. 200/- per item	M
		C	upto 2 years	Rs. 250/- per item	M
		D	above 2 years	Rs. 250/- per item for first 2 years and Rs. 100 for every additional year or part thereof.	M
12	OBC / IBC Cheques	A	Up to Rs 10,000/-	Rs 50/- per instrument	S
			Above Rs 10000 To Rs 100000	Rs 150/- per instrument	S
			Above Rs 100000 to Rs 500000	Rs. 300/- per instrument	S
			Above Rs 500000 to Rs 1000000	Rs. 300/- per instrument	S
			Above Rs 1000000	Rs.375/- per instrument	S
		B	Royal/Purple Savings Bank Accounts	Immediate Credit of outstation Cheques up to Rs 25,000/- free of charge (not exceeding 2 cheques per month)	M
		C	Commision Sharing	On 50:50 basis where collecting bank does not have a branch.	M
		D	Collection of cheques/warrants by mandate (except salary & pension- cheques/ ECS credit)	Rs.10/- per credit entry	M
		13	OBC / IBC Bills	A	Up to Rs 10,000/-	Rs. 150/- per bill	S
					Above Rs 10000 To Rs 100000	Rs. 15/- per 1,000 or part thereof Min Rs.150/-	S
					Above Rs 100000 to Rs 1000000	Rs. 15/- per 1,000 or part thereof Min Rs.1500/-	S
					Above Rs 1000000	Rs. 15/- per 1,000 or part thereof Min. Rs.15, 000/-, Max. Rs.20,000/-	S
B	Additional Charges for retirement of IBC against cash			Normal Charges as mentioned above for account holders Others: 50% over and above Normal Charges. (acceptance of cash of Rs.50,000/ & above not permitted)	S
14	Outstation Chq / Bills Return unpaid			A		50% of collection charges Minimum Rs.100/- + other bank charges if any	S
15	DD/PAY ORDER (No difeerence between Individuals and Non Individuals)			A	Upto Rs.5,000/-	Rs. 30/- per Instrument	S
		Rs.5,001 to 10,000/-	Rs. 50/- per Instrument		S
		Above Rs.10,000/-	Rs. 100/- per Instrument for DD / Pay Order. No charges are to be levied when issued directly in favor of suppliers/contractors as part of disbursement of loan amount.		S
		B	Diamond CA	Free	S
		C	Issue of duplicate	Up to Rs. 5,000- Rs. 100/- Above Rs. 5,000 - Rs. 200/-	S
		D	Cancellation	Up to Rs. 500/- : Free Abv Rs 500/- : Rs 150/- per instrument	S
		E	Revalidation	Rs. 150/- per instrument	S
		16	Collection of Deposit Receipt of other	A	Local	NIL	M
		16	Collection of Deposit Receipt of other	B	Others	as per OBC cheques	M
		17	Remittance of Term Deposit on Maturity to other Bank	A		As applicable to NEFT / RTGS (Remittance allowed only through NEFT /RTGS)	S
		18	Standing Instuctions	A	Registration	NIL	S
				B	Execution	NIL	S
C	Non-Execution			Rs 200/- (If Credit account is Deposits Account : Free)	S
19	ECS Credit			A		As Destination branch- Nil	S
				B		As Sponsor Bank- Rs 5/- per transaction (above Rs 2 crore, additional Rs 50/- to be charged as Clearing house charges)	S
				C		Minimum- Rs 2750/-	S
		D		No charges to individual beneficiary's account.	S
20	ECS Debit	A	Registration	Rs. 150/-	S
20	ECS Debit	B	Execution	Rs.3.50/- per transaction (above Rs.2 cr, additional Rs. 50/- to be charged as Clearing House Charges) (Min. Rs. 2,750/-)	S
21	Inward RTGS			Free	S
	Outward RTGS (minimum threshold Rs. 2 Lakh)
				Rs. 2 lakh to Rs. 5 lakh: Rs. 25/- (Across counter) Rs. 5/- (Digital Mode) Above Rs. 5 Lakhs: Rs. 50/- (Across counter) -Rs. 10/- (Digital Mode)	S
		22	Inward NEFT			Free	S
			Outward NEFT
				A	Upto Rs. 10,000/-	Across Counter: Rs 2.5/- per trxn Digital Mode: Free	S
					Rs. 10001 to 1 Lakh	Across Counter: Rs.5/- per trxn Digital Mode: Free	S
	1 Lakh to 2 Lakh				Across Counter: Rs 15/- per transaction Digital Mode: Free	S
Above 2 Lakh	Across Counter: Rs.25/- per transaction Digital Mode: Free				S
B	Royal SB			Free NEFT/RTGS through internet banking	S
C	Purple SB			Free unlimited NEFT/RTGS remittances	S
D	Diamond CA			Free	S
23	Power of attorney / mandate			A	Allowing operations through power of attorney/mandate	Rs. 500/-for Individual Rs. 1000/-for Non-Individual	M
24	Inoperative Charges			A	SB	No charges to be levied irrespective of the balance in the account	S
24	Inoperative Charges			B	CA	No charges to be levied irrespective of the balance in the account	S
25	Closure of Account		A	SB	Saving accounts-Up to 14 days from account opening date: NIL ( asper BCSBI CODE) If closed within 15 days to 1 year- Rs 500/- (other than Royal and Purple) Rs. 500 for non-individual accounts	S
			B	Royal SB	Before 1 year: Rs 1,000/-	S
			C	Purple SB	Before 1 year: Rs 1,000/-	S
		D	CA	Up to 14 days from account opening date: NIL ( as per BCSBI CODE) If closed within 15 days to 1 year-Rs 750/- (No difference between Individual and Non Individual)	S
26	Interest Certificate			First certificate free. Rs 100/- for per additional copy.	M
27	Balance Certificate			First certificate free. Rs 100/- for per additional copy.	M
28	Debit Card	A	Issuing New Card	NIL	S
		B	Annual Maint.	1. General Public 1st year Free Rs. 200 from second year onwards 2. Staff/Ex- Staff/BSBD/Pension/Yuva/Royal/ Purple/MKCC : Free	S
		C	Add-on Card	Rs. 300/-	S
		D	Replacement	Rs. 100/-	S
		E	Re-issue of Hot-listed Card	Rs. 150/-	S
		F	Enhancement/Reduction in Limits (Through Branch)	Rs. 50/-	S
		G	Re-PIN	Rs. 50/- (Green PIN-No charges)	S
29	ATM Usage	A	Bank's ATM	NIL	S
		B	Other Bank's ATM	1. For Saving Bank Accounts-First 5 transactions in a month FREE (Except six metros viz Mumbai, New Delhi, Chennai, Kolkata, Bangalore & Hyderabad where 3 transactions only –both financial and non financial) 2. CA: Rs. 20/- for Financial & Rs 10/- for Non Financial 3.Above Stipulated Usage: From 6th transaction onwards in a month Financial: Rs. 20/- Non-Financial: Rs. 10/- 4.. Declined transaction due to insufficient funds (both SB & CA accounts): Rs. 20/-	S
		C	Visa International (For both Current and Savings)	Financial: Rs. 100/ For USA Rs. 105/- For other countries In addition 2 % of transaction amount Non-Financial: Rs. 34/- for balance enquiry	S
		D	POS at Petrol Pump Railway Counter	2.5 % of transaction amount subject to min. Rs 10/-	S
		E	Cash at POS withdrawal	For SB & CA - Rs 10/- per withdrawal	S
30	Loss of Token	A		Rs. 100/- per lost token	M
31	Safe Custody Charges	A	Bank's Own Deposit Receipt	Rs. 50 p.a.	M
		B	Scrips	Rs. 100/- per scrip. Min. Rs. 200/- p.a. or part thereof.	M
		C	Sealed Cover	Rs. 500/- per cover p.a. or part thereof.	M
			SEALED BOXES:
		D	Small Box (upto 1000 cubic cm)	Rs. 1000/- p.a. per box	M
		E	Medium Box (upto 8000 cubic cm)	Rs. 2000/- p.a. per box	M
		F	Large Box above 8000 cubic cm)	Rs. 5000/- p.a. per box	M
32	Door Step Banking	A	Upto Rs. 2.00 Lac	Rs. 3250/-(Daily Cash pickup charges/month) Per call charges Rs. 125/-.	M
		B	Above Rs. 2 Lac upto Rs. 3 Lac	Rs. 4500/-(Daily Cash pickup charges/month) Per call charges Rs. 175/-.	M
		C	Above Rs. 3 Lac upto Rs. 4 Lac	Rs. 6500/- (Daily Cash pickup charges/month) Per call charges Rs. 250/-.	M
		D	Above Rs. 4 Lac upto Rs. 5 Lac	Rs. 7000/-(Daily Cash pickup charges/month) Per call charges Rs. 265/-.	M
		E	Above Rs. 5 Lac upto Rs. 6 Lac	Rs. 9000/-(Daily Cash pickup charges/month) Per call charges Rs. 340/-.	M
		F	Above Rs. 6 Lac upto Rs. 8 Lac	Rs. 9500/-(Daily Cash pickup charges/month) Per call charges Rs. 360/-.	M
		G	Above Rs. 8 Lac upto Rs. 10 Lac	Rs. 10000/-(Daily Cash pickup charges/month) Per call charges Rs. 385/-.	M
		H	Above Rs. 10 Lac upto Rs. 20 Lac	Rs. 17500/-(Daily Cash pickup charges/month) Per call charges Rs. 675/-.	M
		I	Above Rs. 20 Lac upto Rs. 30 Lac	Rs. 18500/- (Daily Cash pickup charges/month) Per call charges Rs. 700/-.	M
		J	Above Rs. 30 Lac upto Rs. 40 Lac	Rs. 19500/-(Daily Cash pickup charges/month) Per call charges Rs. 750/-.	M
		K	Above Rs. 40 Lac upto Rs. 50 Lac	Rs. 20000/- (Daily Cash pickup charges/month) Per call charges Rs. 775/-.	M
		L	Above Rs. 50 Lac upto Rs. 75 Lac	Rs. 23500/- (Daily Cash pickup charges/month) Per call charges Rs. 900/-.	M
		M	Above Rs. 75 Lac upto Rs. 1 Cr	Rs. 44000/-(Daily Cash pickup charges/month) Per call charges Rs. 1875/-.	M
		N	Above Rs. 1 Cr upto Rs. 1.50 Cr	Rs. 50000/- (Daily Cash pickup charges/month) Per call charges Rs. 2500/-.	M
		O	Above Rs. 1.50 Cr upto Rs. 2 Cr	Rs. 60000/- (Daily Cash pickup charges/month) Per call charges Rs. 3125/-.	M
			Additional Charge for all cases**	Loose cash counting charges @Rs.50/- per bundle (ie. 1000 pieces). Fake note detection & Contingency Charges (which include note counting & sorting) @Rs.50/- per bundle (ie. 1000 pieces). Cheque pick up with beat cash is free. When only cheque pick up is requested on call basis an amount of Rs. 60/- per call will be charged from customers. Service provider will be sending the MIS of the toll charges (if any) with the monthly billing; however cost of toll charges is to be collected from customers. NO Charges for cash deposit at Non-Home branch.	M
33	Locker	A	Type A	1. Security Deposit: Rs. 12000/- 2. Rent: Metro/Urban/SU: Rs. 1800/- p.a. Rural: Rs. 1200/-p.a.	S
			Type B	1. Security Deposit: Rs. 12000/- 2. Rent: Metro/Urban/SU: Rs. 2000/-p.a. Rural: Rs. 1200/-p.a.	S
			Type C	1. Security Deposit: Rs. 15000/- 2. Rent: Metro/Urban/SU: Rs. 3600/-p.a. Rural: Rs. 2400/-p.a.	S
			Type D	1. Security Deposit: Rs. 15000/- 2. Rent: Metro/Urban/SU: Rs. 3600/-p.a. Rural: Rs. 2400/-p.a.	S
			Type E	1. Security Deposit: Rs. 25000/- 2. Rent: Metro/Urban/SU: Rs. 4000/-p.a. Rural: Rs. 2700/-p.a.	S
			Type H1	1. Security Deposit: Rs. 25000/- 2. Rent: Metro/Urban/SU: Rs. 4000/-p.a. Rural: Rs. 2700/-p.a.	S
			Type F	1. Security Deposit: Rs. 25000/- 2. Rent: Metro/Urban/SU: Rs. 5000/-p.a. Rural: Rs. 4000/-p.a.	S
			Type G	1. Security Deposit: Rs. 25000/- 2. Rent: Metro/Urban/SU: Rs. 5000/-p.a. Rural: Rs. 4000/-p.a.	S
			Type H	1. Security Deposit: Rs. 25000/- 2. Rent: Metro/Urban/SU: Rs. 6000/-p.a. Rural: Rs. 5000/-p.a.	S
			Type L	1. Security Deposit: Rs. 50000/- 2. Rent: Metro/Urban/SU: Rs. 10000/-p.a. Rural: Rs. 8000/-p.a.	S
			Type K	1. Security Deposit: Rs. 50000/- 2. Rent: Metro/Urban/SU: Rs. 10000/-p.a. Rural: Rs. 8000/-p.a.	S
		B	Diamond CA	One Locker Free (Any type)	S
		C	Registration	NIL	S
		D	Visit	12 visits per year free. Thereafter : Rs.100/- per visit	S
		E	Loss of Keys	Actual expenses incurred towards replacement of keys + Rs 2000/- towards administrative cost	M
		F	Staff and Ex-Staff Concession	i) 25 % concession in locker rent in one locker of any type. ii) Security deposit for staff & ex-staff is applicable as per locker type. The facility is for one locker in name of staff & ex-staff only (incl. joint a/c).	S
		G	Penalty for Rent in Arrears	3% p.m. on the amount of locker arrears (also applicable for staff & ex-staff))	M
		H	Special Discount for Advance Payment of Rent for Customers and Staff	No discount at present.	M
34	DMAT	A	Documentation	Actuals	M
		B	Dematerialization Charges	Rs. 5/- per certificate	M
		C	Transaction (Sell/Debit)	Rs.2/- per certificate Min. Rs. 25/- per request 0.03% of value subject to min. Rs.25/- & max. Rs. 500/-	M
		D	Pledge	For MAHA E-trade Online Trading Customer flat charges Rs 10/- per transaction	M
		E	Unpledge	Rs. 60/- per ISIN (pledgor), Rs. 40/- per ISIN (pledgee) Rs. 30/- per ISIN (pledgor),	M
		F	Pledge invocation	Rs. 20/- per ISIN (pledgee)	M
		G	Remateralisation / Repurchase	Rs. 40/- per transaction	M
		H	Failed Transaction	Rs. 30/- per transaction	M
		I	Late Transaction	Rs. 25/- per transaction	M
		J	Demat/Other mail	Rs. 20/- per transaction	M
		K	Freeze / Unfreeze Charges	Actuals (Min. Rs. 25/- per trax.)	M
		L	Annual Maintenance	Rs. 50/- per transaction Rs. 500/- p.a.(for individuals/ NRI/HUF Trust), Rs.150/- p.a. for existing / retired staff, Rs. 1,000/- p.a. for others (payable in advance) Free for 1st year for Royal Saving A/C Free for Diamond Current A/C	M
		M	Basic services Demat. Account (BSDA)	AMC Free for 1st year 50% of AMC waived from Year 2 for Purple Savings Account	M
35	Instant Locker		Security Deposit	Metro/Urban Branch : Rs 7,500/- Semi Urban/Rural Branch : Rs 5000/- In the form of term deposit for 6 months period with auto renewal mandate.	S
			Rent Category - I (A,B,C, D,E,H1)	1-7 Days : Metro/Urban/Semi Urban/Rural - Rs 500/- 8-15 Days : Metro - Rs 700/-, Urban - Rs 600/-, Semi Urban/Rural - Rs 500/- 16-30 Days : Metro - Rs 1200/-, Urban - Rs 800/-, Semi Urban/Rural - Rs 600/- 31-60 Days : Metro - Rs 1500/-, Urban - Rs 900/-, Semi Urban/Rural - Rs 700/- 61-90 Days : Metro - Rs 1800/-, Urban - Rs 1200/-, Semi Urban/Rural - Rs 1000/-	S
			Rent Categor y - II (F,G,H,L ,K)	1-7 Days : Metro/Urban/Semi Urban/Rural - Rs 600/- 8-15 Days : Metro - Rs 1000/-, Urban - Rs 700/-, Semi Urban/Rural - Rs 600/- 16-30 Days : Metro - Rs 1500/-, Urban - Rs 1000/-, Semi Urban/Rural - Rs 900/- 31-60 Days : Metro - Rs 1700/-, Urban - Rs 1200/-, Semi Urban/Rural - Rs 1100/- 61-90 Days : Metro - Rs 2000/-, Urban - Rs 1500/-, Semi Urban/Rural - Rs 1200/-	S
			Visit	6 free visit during the lease period. Thereafter : Rs.100/- per visit	S
			Loss of Keys	Actual expenses incurred towards replacement of keys + Rs 2000/- towards administrative cost	S
			Staff and Exstaff Concession	i) 25 % concession in locker rent in one locker of any type. ii) Security deposit for staff & ex-staff is applicable as per locker type. The facility is for one locker in name of staff & ex-staff only (incl. joint a/c).	S

B. SERVICE CHARGES-ADVANCES

Sr No

Particulars

Type

Service Charges escluding GST

S/M

TOD / EOD

Interest on TOD

MCLR +8% with monthly rest

Interest on EOD

For Sanctioned EOD:
Existing ROI on sanctioned W/C limit +2% pa with monthly rest

Irregularity without sanction:
2 % pa with monthly rest for entire sanctioned W/C facility

Against Clearing

Current/Saving A/c

MCLR+8.00% p.a (Interest to be charged only for days the bank remain
out of fund)

Working Capital

For Sanctioned facility:
Existing ROI on W/C limit +2% pa with monthly rest
Irregularity without sanction:
2 % pa with monthly rest for working capital facility

BP/ BD

BP/BD of cheques

(Upto 25000/- for Metro/Urban: or
Upto 15000/- for Rural/SU):
Commission of OBC cheques (Purchased under BP customer service.
No interest to be charged)

(Above 25000/- for Metro/Urban: or
Above 15000/- for Rural/SU):
Commission per OBC cheque + Interest @0.30% which covers interest
for7 days. To be recovered at the time of purchase
For realization period beyond 7 days interest to be charged at MCLR +
8.00% p.a

BP/BD Bills

Not rated accounts:
One time basis-commission on OBC bills + interest for discounted period
@ the rate applicable to TOD i.e. MCLR+8.00% p.a.

Rated accounts:
Commission as per OBC bills + interest based on credit rating.
If the bills remain overdue, interest to be recovered for the overdue
period along with penal interest.

Certificates

Solvency Certificate

0.30% of Solvency certificate amount
Min: Rs 1000/-, Maximum Rs 30000/-

Issuance of No Dues

Metro/Urban:
Individual-Rs100/-; Non-Individual-Rs150/-

Rural/SU:
Individual-Rs25/-; Non-individual-Rs 75/-

No charges for Government sponsored schemes and Agri Loan to
SF/MF/share croppers

Providing Credit Report

Rs 1000/- per occasion

Inspection /
Supervision
Charges

Inspection / Supervision

1. upto Rs 25000/- - NIL
Above Rs 25000/- to Rs 2.00 Lac: Rs 150/- P.A. Above Rs 2.00 lac to Rs 1.00 Crore: @0.25% P.A. (Max Rs. 15000/-)
Above Rs 1.00 Crore to Rs 25.00 Crore: @ 0.15% P.A. (Max Rs 20000/-)
Above Rs. 25.00 Crore : Rs 25000/- + (Cost of visit on Actual basis)

(Charges to be levied on :
Working Capital: Total FB+NFB Limits Term Loan: Outstanding Balance )

2. Retail Loans - Housing, 4 wheeler Vehicle, LAPself occupied house & Education Loan: Rs 200/- P.A. (No charges on Education Loan upto Rs 4.00 Lakh).

3. No supervision / Inspection charges for other retail loans like 2 wheeler vehicle, Personal, Consumer, Gold, Solar and Aadhar loans

Processing Fees

Working Capital
(Both Fund based and
Non fund based
facilities)

1. Credit Limits:
upto Rs 25000/- - NIL
Rs 25001/-to Rs -1 Cr @0.35% p.a.
Rs 1 cr and above @ 0.35% p.a.
(Min Rs 1000/-)
(Max for Priority Sector : Rs 35 lacs)
Max for Exporters: Rs 17.50 lacs)
For other Advances: No max limit
Annual fees for renewal:
same as above.

2. MSME Loans:
Upto Rs 5.00 Lacs: NIL
Above Rs. 5 Lacs @ 0.30% p.a.

No processing fees on Government Sponsored schemes, against LAD and Agri Loans to small and marginal farmers’ upto Rs 3 Lakhs. For enhancement within one year: No concession

Annual fees for renewal:
up to Rs.5.00 Lacs: NIL
Rs. 5 Lacs to Rs. 20 Cr: 0.30% p.a.
Rs. 20 cr and above: As per external credit rating (Existing guidelines)
3. Incase of MKCC/Crop Loan up to Rs 3.00 Lakh for small and
marginal farmer category : NIL

Term Loan

Upto Rs 25.00 Cr @ 1.10% of Sanctioned amount Above Rs. 25.00 Cr to Rs. 100.00 Cr @ 0.90%
Above Rs. 100.00 Cr @ 0.75%

MSME Loans:
upto Rs. 5 Lacs: NIL Above Rs 5 Lacs to Rs 25.00 Cr @ 1.00% of Sanctioned amount
Above Rs. 25.00 Cr to Rs. 100.00 Cr @ 0.80%
Above Rs. 100.00 Cr @ 0.70% Additional Rs. 2000 to be recovered for sanctions from PSB portal (www.psbloansin59minutes.com)

25% of the applicable processing fees upfront subject to maximum of Rs 10 lacs be recovered before release of sanction letter (Non – refundable)

Review: (on outstanding amount)
Upto Rs. 5.00 Lacs: NIL
Above Rs. 5 Lacs @ 0.10% (Max 2 Lakh)

3. Incase of MKCC/Crop Loan up to Rs 3.00 Lakh for small and
marginal farmer category : NIL

RETAIL LOANS:

Housing Loan : 0.25% of Loan amount (Max 25000/-)
Maha Bank Top up Loan: 0.50% of Loan amount
Maha Super Car Loan : 0.25% of Loan amount (Min - Rs 1000/-and
Max - 15000/-)
Maha Bank Vehicle Loan (2 w) : 0.25% of Loan (Min - Rs 500/- )
Loan against Self-occupied Property : 0.50 % of Loan Amount
Model Education Loan Scheme : Processing charges should not be
levied. However, processing fees @ 0.50 % of the loan application
should be charged upfront in case of considering loan for studies
abroad. The fees however, be refunded upon the student taking up,
the course and availing loan, by reversal of charges through CBS
manually.
Mahascholar Education loan Scheme: No Processing / Upfront
Charges
Aadhar Loan Scheme for Pensioners: 0.50 % of Loan Amount Min.
500/-
Consumer Loan Scheme : 0.50 % of Loan Amount Min. 500/-
Personal Loan : 1 % of Loan Amount Min. 1000/-
Salary Gain Scheme : 0.50 % of Loan Amount Min. 500/-
Maha Bank Gold Loan : Rs 500/- per Loan Account

Bill discounting under
LC

@0.01%
Minimum of Rs. 500/-
Maximum of Rs. 50000/-

Non Fund Based Limits

As applicable to the fund based facility

Forward Contract Limit

NIL

Processing Fees Adhoc Interchangeability(Btwn. FB & NFB)

@ 0.15% per occasion
(Min Rs. 1000/-per occasion)

Processing Fees Adhoc Working Capital (EOD / STL)

@150% of normal processing fee on prorata basis & as per loan segment.
(Min Rs. 1000/-per occasion)

Lead Bank
Charges (Where
our Bank is a
Lead Bank)

New / Renewal

0.35% of the total FB/NFB limits/WC/TL
(Max Rs. 50 Lacs)
Same for renewal of WC limits (except TL)

Delayed Review
(Due to non
submission of
renewal data
including
Audited Balance
sheet by the
borrower)

Delayed Review of
Working Facility

12-15 months:
1% p.a. over & above applicable rate of interest for quarter

above 15 months:
2% p.a. over & above applicable rate of interest for each quarter

Commitment
Charges

Upto Rs. 1 Crore: NIL

Above Rs. 1 Crore:
New Sanction:
1. Working Capital limits if not utilised with in 3 months :-
0.50% p.a.from date of documentation to actual date of utilisation

2. Term Loan limits: if not availed with in 3 Months as per drawdown
schedule :-
0.50% p.a.from date fixed for availment to the date of actual availment

3. Exisitng Working Capital Limits:
3a.utilisation above 75% :- NIL
3b.utilization 50-75% :- 0.5% p.a. of the unutilised limits
3c.utilization Below 50% :- 1% p.a. of the unutilised limits

4. Line of Credit: 1% p.a. of the sanctioned unutilized limits

Restructuring of
Credit Facilities

Restructuring of Credit
facilities

As per normal processing fees for WC/TL facilites

MSME:
without increase in exposure:
upto 5 Lakh: NIL
above 5 Lakh: 0.10%
for increase in exposure: applicable prcessing fees for additional
facilities.

Bank
Guarantees

A

B

BG commission:
Performance Guarantee

BG commission:
Financial Guarantee

External Rating	Financial BG(Per Annum)	Non- Financial BG (Per Annum)
AAA & AA	1.5%	1.25%
A	2.00%	1.75%
BBB	2.50%	2.00%
BB & Below / unrated	3.00%	2.25%

Minimum – Rs 500/-
(on pro-rata basis subject to minimum for one quarter).

Renewal of Guarantee

As applicable for issuance of guarantees.
If renewal is effected before expiry date of original guarantee and if
commission was earlier charged for claim period, no commission for
claim period.

Guarantees fully
secured by deposits

25% of regular commission as above

Refund of BG
Commission

Incase of return of BG before maturity date and consequent request for
the borrower to refund the commission for the un expired period; Branch
shall refund commission at half the rate originally charged but for the
expired period plus 3 months. This is applicable when original guarantee
is received by branch.

Inland Letter of
Credit

Issue charges

Rs 250 per LC

Usance Charges

Unified Charges (Usance + Committement) :-
0.25 % per month or part thereof

Commitment charges
for the period from date
of issue to last date of
negotiation mentioned
in LC

Discontinued (Included in unified charges)

when the amount of
credit under LC is
increased

Min Rs. 500/- along with Unified Charges on enhanced amount.

Extention of Validity

Rs 1000/- + Unified charges for extended period

amendment charges
(other than increase in
LC amount and validity)

Rs 500/-

Reinstatement Charges
in case of Revolving LC

Unified charges on amount reinstated per quarter;
Min Rs 500/- p.q.

LC advising Charges

Rs 2000/- flat

Confirmation of inland
LC

As applicable to LC opening Charges

Negotiation
charges

Bills up to 2.50 lacs

0.40%- Min Rs 500/-

above Rs 2.50 lacs to
Rs 10 lacs

Rs 1500/- flat + out of pocket expenses

Above Rs 10 lacs upto
Rs 100 lacs

Rs 2500/-flat + out of pocket expenses

Above Rs 100 lacs

Rs 3500/- flat + out of pocket expenses

out of pocket expenses

actual basis

Documentation
Charges

Govt Sponsored
scheme

NIL

Crop Loan/MKCC

Upto Rs 3 lakhs: Nil
Above Rs 3 lakhs:@ 0.25%
Minimum charges: Rs 750/-
Maximum charges: Rs 25000/-

RETAIL LOANS:

Housing Loan : 0. 10 % of Loan (Max 10000/-)

Maha Bank Top up Loan: 0. 10 % of Loan (Max 10000/-)

Maha Super Car Loan : 0.20 % of Loan amount

Maha Bank Vehicle Loan (2 w) : 0.20 % of Loan amount

Loan against Self-occupied Property : 0.10 % of Loan amount

Model Education Loan Scheme : 0.20 % of Loan amount

Mahascholar Education loan Scheme:0.20 % of Loan amount

Aadhar Loan Scheme for Pensioners: 0.20 % of Loan amount

Consumer Loan Scheme : 0.20 % of Loan amount

Personal Loan : 0.20 % of Loan amount

Salary Gain Scheme :0.20 % of Loan amount

Maha Bank Gold Loan : 0.20 % of Loan amount

All Other loans

Upto Rs 25000/-: NIL
Above Rs 25000/-: 0.25% (Max Rs. 50000/-)

Giving Copies of
Loan Documents

First Time

NIL

upto Rs 2.00 lacs

Actual cost of photocopies + Rs 100/-

Above Rs 2 lacs

Actual cost of photocopies + Rs 200/-

EarMarking of
Limits

upto rs 1 cr

Rs 1500 per occasion

above Rs 1 cr

Rs 5000 per occasion

Sanction

Revalidation of sanction

Upto Rs. 1 Cr: 0.25% of the limits.
Above 1 Cr: 0.25% of the limits.
(Max Rs 5 lacs)

Validity of Sanction: 90 days.
Revalidation to be done at 2 instances only for 90 days each.
After 180days: Fresh appraisal to be undertaken

Amendment /
modification of
sacntioned terms
(Fund + Non-fund)

Upto Rs 25 lacs :- NIL
Rs 25 lacs to Rs 50 lacs :- Rs 5000/-
Rs 50 lacs to Rs 50 Cr :- Rs 100/- per lac (Max Rs 1.00 lacs)
Above Rs 50 Cr :- Rs 2 lacs

Mortgage

Mortgage Creation Charges (excluding retail loans)

Per borrowing entity with FB+NFB limits

Below Rs 1.00 Crore - Rs 5,000/-

Above Rs 1.00 crore to Rs 10 Crore - Rs 15,000/-

Above Rs 10 Crore - Rs 25,000/-

The charge specified is applicable per instance irrespective of the
number of title deeds. The charges are applicable for extension of
mortgage for enhancement and for substitution of title deeds also.
The charge is applicable for extension of equitable mortgage
recorded in favour of other lenders also

ROC filing Charges

Rs 1500/- (for corporates)

Agencies

CERSAI Charges

For creation and any subsequent modification of each movable/ immovable/ intangible secured asset for loan
upto Rs. 5.00 Lac: Rs. 250/- per asset id
Abv Rs 5.00 Lac: Rs 500/- per asset id

Search of each security with CERSAI : Rs 50/- per instance

Charge related to the attachment order passed by a court or other authority under section (5) of section 26 B to CERSAI, which involves debit to NPA account.
To be paid by debiting P/L Law charges : Rs 250/- and to be recovered from borrower at the time of closure / satisfaction of Loan.

NeSL

Actuals

Credit Information
Company (CIC) Report
Charges

Individual (CIBIL and CRIF):
Rs 100/- per instance/report
Non Individual (CIBIL):
Rs 1000/- for corporates and Rs 500/- for MSME Scoring

Trust and Retention
Account (TRA) agency
fees

Rs 5.00 lacs Flat p.a.

Project Appraisal
fee

Project Term Loans
only
(Above Rs. 10 Cr)

0.20% (max 5 lacs)
To be recovered in addition to Upfront fee in case the appraisal
note is shared with other lenders in Consortium /MBA lending.

Penal Interest

Maintaining CA with
other Bank while facility
is granted under Sole
Banking

1% additional levy over existing Rate of Interest
(only where specific permission is not obtained)

Closure of Loan

Foreclosure Charges
for CC

2% of the sanctioned Limit

Incidental charges at
the time of closure of
any Loan/ CC account
(other than LAD, Govt
sponsored Schemes
and Staff Loans)

Rs 150/-

C. SERVICE CHARGES: FOREX

Services charges relating to foreign exchange transactions are arranged into following segments:

Section	Segment
A	Export Transactions
B	Import Transactions
C	Inward Remittances
D	Outward Remittances
E	Foreign Bank Guarantees & Acceptance
F	Project Exports and Imports
G	Merchanting Trade Transactions
H	Forward Contracts
I	Transactions relating to ODI/FDI/ECB
J	SWIFT/Courier charges
K	Request forwarded to RBI
L	Delegation for considering concession in charges
M	Charges for Bulk Business and Delegation of powers for consideration of these charges.

Important notes:

The schedule stipulates charges for transaction amount in terms of USD. For other currencies the amount would be equivalent to the USD.
In lieu of exchange margin would be applicable to the transactions where Bank does not earn exchange margin, but the transaction is CY to FCY i.e. by debit to EEFC, RFC, FCA etc. unless otherwise specifically exempted. All taxes like GST,Service Tax, Swachch Bharat Cess, Foreign Exchange transaction tax to be recovered separately.

A : EXPORTS:

Para	Particulars	Charges	S/M
A.1	Rupee post shipment advance: Negotiation/purchase/ discounting of export Bills – Bill amount ( both Sight or usance bills)	Upto USD 10,000 : Rs. 750/- Above USD 10,000: Rs. 1100/-	S S
A.2	Foreign currency post shipment advance: Discounting of Export Bills (EBD) ( both Sight or usance bills) To be calculated and recovered in equivalent in Indian rupees.	Upto USD 5,00,000: USD 25 Above USD 5,00,000: USD 50 Where proceeds are sent in foreign currency to other bank Additional commission In lieu of exchange would be recovered.	S S M
	NOTE: In case, export bill which has been sent on collection basis and the Bank has recovered applicable commission, the charges specified above would not be recovered again for granting any post-shipment advance i.e. bill negotiated, purchased or discounted.
A.3	Rupee advance against export bill	Will be treated as bill on collection and charges for collection of bill will be recovered.	S
A.4	Processing charges for rupee export bills	0.20% per bill Minimum: Rs 750/-, Maximum : Rs. 25,000/-	M
A.5	For forwarding export documents to other Bank in India for collection, discounting or negotiation	Rs.1100/- per document	M
A.6	Overdue Bill purchased/ discounted or negotiated where proceeds are not received in our Nostro accounts within 30 days from the due date	Rs.500/- per bill per quarter (Maximum Rs. 2000/-)	M
A.7	Reimbursement charges under letter of credit when reimbursement is claimed by AD bank in India from our Bank	Rs. 750/- per reimbursement	M
A.8	Pre-shipment credit in Foreign currency: Disbursement of PCFC. (To be calculated and recovered in equivalent in Indian rupees.)	Upto USD 5,00,000 - USD 25 Above USD 5,00,000 - USD 50	M M
A.9	Export Bills on collection: a. Export bills sent on collection to the overseas bank. b. Export Bills sent by the exporter directly to the buyer with permission from bank. c. Export bill sent on consignment basis. d. Export bills sent on collection and rupee advances have been granted by the Bank.	Bills upto USD 1,000,000 or equivalent @ 0.13% Min-Rs 800/-, Max- Rs 10,000/- Bills above USD 1,000,000: Flat Rate- Rs 7500	S
A.10	Export bill handled by Bank where payment is received in advance	Bills upto USD 1,000,000 or equivalent @ 0.13% Min-Rs 800/-, Max- Rs 10,000/- Bills above USD 1,000,000: Flat Rate- Rs 7500/- Less: Charges recovered on advance payment if received through our bank	S M
A.11	Bills in Indian rupees sent for collection	0.20% per bill (Min: Rs 750/-, Max: Rs. 25,000/-)	M
A.12	Overdue export bills sent for collection where payment of the bill has not been received in stipulated time.	Rs. 500/- per quarter Maximum Rs. 2000 per bill	M
A.13	Purchased/discounted or negotiated Export bill converted into collection	0.125% (Minimum Rs. 550/-, Maximum Rs. 10,000/-) Less commission collected at the time of Purchase/discounting	M
A.14	Where proceeds of foreign currency export bills received in Indian rupees	0.125% (Minimum Rs. 550/-, Maximum Rs. 10,000/-) Plus commission in lieu of exchange.	S
A.15	Deemed Export Bills	0.15% (Min Rs. 600/-, Max: Rs.40,000/- per bill)	M
A.16	Export L/C advising	To our client: Rs. 700/-	S
	Including courier charges	To Non customers: Rs.1500/-	M
A.17	Advising Amendment to Export LC Including courier charges	To our client: Rs. 500/- To Non customers: Rs.750/-	S M
A.18	Advising LC to our customer as a second advising bank which has been received via SWIFT by another bank.	Rs. 500/- per Advice	M
A.19	ADDING CONFIRMATION TO EXPORT LCs: To be done only with the approval of TIBD Charges are Commitment plus Usance	Charges as applicable to opening of Import LC	S
A.20	For each advice for transfer of a Export letter of credit. Transfer charges are in addition to the LC amendment advising charges.	Rs. 1000/- per transfer	S
A.21	Credit of export proceeds to EEFC Accounts	NIL	S
A.22	Approval for extension of due date for realization of export bill by Bank/RBI	Rs. 1000/- Per Bill, Per Extension	S
A.23	Late submission of export documents (after 21 days from the date of shipment as per RBI Guidelines	Rs. 250/- per month or part thereof, per bill	S
	Certificates related to Export Transactions
A.24	Issuance of BRC/e-BRC	NIL	S
A.25	Attestation in respect of export transaction – invoice etc.	Rs. 200/-	M
A.26	Other certificates related to exports like GR waiver etc. on Bank’s letter head	Rs. 200/-	M
A.27	COMMISSION IN LIEU OF EXCHANGE: Commission in lieu of exchange applicable for all transactions where Bank does not earn exchange margin	0.15% Minimum Rs.250/-	S
A.28	Processing the request for write off of export bills	In case of Self Write-off – Rs. 1000.00/- per bill In case of Write-off approved by AD Bank – Rs. 1500.00/- per bill In case of Write-off approved by RBI – Rs. 4,000.00/- per bill	S

B: IMPORTS:

Para	Particulars	Charges	S/M
B.1	Opening of Import letter of Credit including Standby LC wherever permissible. Commitment charges + usance charges		S
	Commitment charges (For full validity of LC i.e. from the date of opening to the date of expiry of LC)	0.15% per completed quarter (minimum one quarter) plus 0.075% per month thereafter. A part of the month would be treated as full month. Minimum Rs. 600/-
	Usance charges:
	Sight LC	0.15% flat min Rs. 600/-	S
	Usance LCs upto 3 months	0.30% minimum Rs.700/-	S
	Usance above 3 months	0.30% for first 3 months plus 0.10% p.m. or part thereof	S
	Applicable Rates for high Value LC based on value of each LC
	Upto USD 5,00,000	Normal Rates	S
	Above USD 5,00,000 upto USD 1,000,000	80% of normal rates	S
	Above 1,000,000 to USD 5,000,000	60% of normal rates	S
	Above USD 5,000,000	50% of normal Rates	S
	B.2	LCs opened / confirmed against 100% deposit: Volume discount would be additionally available to these LCs	50% of the applicable rate	S
B.3	Amendment to LC involving extension of validity, change of tenor from sight to usance or enhancement of LC value for which charges are recovered	Rs. 600/-	S
B.4	Amendment to LC involving extension of validity, change of tenor from sight to usance or enhancement of LC value for which charges are not recovered	Rs. 600/- Plus charges as per B.1 above minimum Rs.500/-	S
B.5	Amendment other than extension of validity or enhancement in value which does not affect Bank’s liability in terms of period or value	Rs. 600/-	S
B.6	Receipt of discrepant documents under LC	USD 50	M
B.7	Revival of LC within 3 months from the expiry date	Charges as per B.1 (at par with fresh LC)	M
B.8	Commission on import Bill under Letter of Credit (FABP)
	Import bills received under LC denominated in foreign currency – at the time of retirement or crystallization whichever is earlier.	0.20% Minimum Rs. 1000/- Maximum Rs. 25000/-	S
	Import Bill received under LC denominated in Indian rupees or import bill where no exchange commission is earned– at the time of retirement or crystallization whichever is earlier	0.15% Minimum Rs.750/- Maximum Rs. 25000/- plus commission in lieu of exchange	M
	Import bill where payment is made by debit to EEFC account or buyer’s credit amount is received from other bank.	0.15% Minimum Rs.750/-, Maximum Rs. 25000/- plus commission in lieu of exchange	S
	Import bill under LC crystallized due to non payment by the importer on due date (both sight and Usance)	Applicable commission as above plus Additional commission of 0.10% minimum Rs.250/-	M
B.9	Commission on import Bills received under collection
	Import bills denominated in foreign currency where banks earns exchange margin	Bills up to USD 1,000,000 or equivalent @ 0.25% : Min-Rs 800/-, Max- Rs 50,000/- Bills above USD 1,000,000: Flat Rate- Rs 25,000/-	S
	Import bill denominated in foreign currency on which no exchange is earned i.e. by debit to EEFC or buyer’s credit received from other banks	Bills up to USD 1,000,000 or equivalent @ 0.25% +0.15% =0.40% (inclusive of comm. In lieu of exchange) Min-Rs 800/-, Max- Rs 60,000/- Bills above USD 1,000,000: Rs 25,000/- + commission in lieu of exchange Rs 25000/- Total Rs 50,000/-	S
	Import documents received directly by importer and submitted to bank for payment where banks earn exchange margin	Bills up to USD 1,000,000/- or equivalent @ 0.25% : Min-Rs 800/-, Max- Rs 50,000/- Bills above USD 1,000,000/-: Flat Rate- Rs 25,000/-	S
	Import documents received directly by importer and submitted to bank for payment where banks do not earn exchange margin	Bills up to USD 1,000,000/- or equivalent @ 0.25% +0.15% =0.40% (inclusive of comm. In lieu of exchange) Min-Rs 800/-, Max- Rs 60,000/- Bills above USD 1,000,000/-: Rs 25,000/- + commission in lieu of exchange flat Rs 25000/- Total Rs 50,000/-	S
B.10	ADVANCE PAYMENT AGAINST IMPORT
	Advance payment against import Where bank earn exchange margin	Advance payment against import where Bank earns exchange margin Bills upto USD 1,000,000 or equivalent @ 0.25% : Min-Rs 800/-, Max- Rs 50,000/- Bills above USD 1,000,000: Flat Rate- Rs 25,000 /-	S
	Advance payment against import Where by debit to EEFC account or where bank do not earn exchange margin	Advance payment against import where by debit to EEFC account or where bank does not earn exchange margin Bills upto USD 1,000,000 or equivalent @ 0.25% +0.15% =0.40% (inclusive of comm. In lieu of exchange) Min-Rs 800/-, Max- Rs 60,000/- Bills above USD 1,000,000: Rs 25,000 + commission in lieu of exchange flat Rs 25000/- Total Rs 50,000/-	S
B.11	Forwarding Non LC import bill to other bank for payment.	Rs. 1000/- per bill	M
B.12	CERTIFICATES RELATING TO IMPORT
	Attestation of Invoice	Rs 50/-	M
	Issuance of Delivery order to Airline company for delivery of goods pending receipt of import documents	Rs. 1000/-	M
B.13	Return of import Bill on collection as per the instructions of remitting Bank	USD 60 plus courier charges	M
B.14	Charges for noting and protestin	USD 200 plus out of pocket expenses	M
B.15	REVOLVING LETTER OF CREDIT established in terms of RBI guidelines.
	Commitment charges a. on maximum amount of drawing permitted at any time from the date of establishment of LC to the date of expiry b. on each amount reinstated from the date of reinstatement to the date of subsequent reinstatement or the validity of the LC.	As applicable to import LC	M M
	Usance charges	As applicable to import LC	M
	Extension, amendment etc. and all other issues related to LC	As applicable to import LC	M
B.16	BUYER’S CREDIT : PROCESSING CHARGES
	Buyers credit where credit is arranged by importer	Rs. 1000/- per application	M
	Where quote is arranged by bank	Rs. 5000/- per application	S
B.17	Deferred payment LC
	LC covering import of goods on deferred payment terms involving payments beyond a period of 6 months from the date of shipment in instalments over a period of time as per RBI guidelines under FEMA.	0.45% per quarter or part thereof on the amount of liability at the beginning of every quarter.	M
	Amendment to Deferred payment LCs	Shall be the same as for normal letter of credit specified under: Table. B	M
	DEFERRED PAYMENT LC: 1. Commission for entire period should be recovered up-front. Prior permission of credit sanctioning authority to be obtained for recovery of commission in instalments. 2. For upfront recovery TT selling rate prevailing on the date of issuance of LC shall be applied which will prevail till expiry. For instalment recovery – TT selling rate prevailing on the date of recovery of instalment shall be applied.
B.18	FCDL	Upto USD 5,00,000: Rs 10,000/- Above USD 5,00,000: Rs 15,000/- + Commission in lieu of exchange where no exchange margin is earned	M
B.19	Bill of Entry (with delay beyond 6 months)	NIL	M

C: INWARD REMITTANCES:

Para	Particulars	Charges	S/M
C.1	Payment received by SWIFT MT103/MT202 or any other instrument where Bank’s Nostro account is credited before passing on credit to customers. Non trade transaction. (Flat charges per remittance)	Upto USD 500: Rs. 100/- Above USD 500: Rs. 250/-	S S
C.2	Purchase of foreign currency instruments payable abroad – like personal cheques, demand drafts, IMOs or pay orders (FOBP).	1: Commission @0.25% (min Rs. 100/- max Rs.200/-) 2. Interest @ BPLR or Base Rate + 4% (whichever is higher) for 15 days. 3. Interest @ BPLR + 2% or Base Rate + 6% (whichever is higher) for overdue period beyond 15 days till recovery if instrument is returned unpaid.	S S S
C.3	Where inward remittance is to be paid/executed in foreign currency by way of issuing SWIFT or FDD etc.	0.10% Min. Rs. 250/- Maximum Rs. 5000/- Plus swift/FDD charges	M
C.4	COLLECTION OF FOREIGN CURRENCY CHEQUES/OTHER INSTRUMENTS PAYABLE ABROAD
	Collection of instruments payable abroad	0.25% Minimum Rs. 100/-, Maximum Rs, 10,000/-	S
	Collection of instruments payable abroad under guaranteed settlement	0.25% Minimum Rs. 100/-, Maximum Rs, 10,000/- Plus charges communicated by TIBD from time to time as they may vary for each Bank.	S M
	Collection of foreign currency instruments payable in India	0.25% Minimum Rs. 100/-, Maximum Rs, 10,000/- Plus Courier charges Rs. 100/-	S
C.5	TRAVELLERS CHEQUES, CURRENCY NOTES ENCASHMENT
	Travellers cheques, Currency notes encashed from Tourists and deposited in account by customers	At CN/TC Buying rate No commission to be charged.	M
	Currency notes received as export proceeds	0.25% towards commission and commission in lieu exchange margin	M
	Travellers cheques deposited towards export proceeds	0.25% Minimum Rs. 100/-, Maximum Rs, 10,000/-. No separate commission for export bill in this case in lieu of exchange.	M
	All other inward remittances where exchange is earned	0.25% Minimum Rs. 100/-, Maximum Rs, 10,000/-.	M
	All other inward remittances where exchange is not earned	0.25% Minimum Rs. 100/-, Maximum Rs, 10,000/-. Plus commission on account of in lieu of exchange.	M
C.6	FIRC/ENCASHMENT CERTIFICATE
	Issue of FIRC/Encashment certificate on security paper	Rs. 250/- per certificate	M
	Issue of FIRC/Encashment certificate on Bank’s letter head	Rs. 200/- per certificate	M
	Issuance of Duplicate FIRC	Rs. 1500/- per duplicate FIRC	M
C.7	CHEQUES RETURNED UNPAI
	Upto USD 10,000	Rs. 200/-	S
	Above USD 10,000 to USD 50,000	Rs. 1000/-	S
	Above USD 50,000	Rs. 10,000/-	S
Note: Before accepting cheque for USD 1,00,000 and above for collection B-Category branches should contact TIBD by sending a copy of cheque on fax or email. High value cheque is normally not used in international payment and therefore poses increased risk to the Bank.
C.8	Payment received by SWIFT MT103/ MT202or any other instrument where Bank’s Nostro account is credited before passing on credit to customers. Trade transaction. (Flat charges per remittance)	Rs 300/-	S

D: OUTWARD REMITTANCES:

Para	Particulars	Charges	S/M
D.1	Remittance by MT103 (Including swift charges) (For non-trade Transactions only)	0.10% Min- Rs 100/-, Max- Rs 2000/-	S
D.2	Remittance by MT103 (For commercial transactions)	0.10% (Min- Rs 500/-, Max- Rs 2000-) Plus: Swift charges as given in Section J	S
D.3	Issuance of FDD For non-trade Transactions	Upto USD 5000 - Rs. 250/- Above USD 5000 - Rs. 500/-	S
D.4	Issuance of FDD (Including SWIFT Charges) (For commercial transactions)	Upto USD 5000 - Rs. 500/- Above USD 5000 - Rs. 700/-	S
D.5	Remittance of FCNR proceeds abroad or to any other Bank in India in foreign currency	No charges. No out of pocket expenses	M
D.6	Issue of duplicate FDD (Try to cancel the old one and issue fresh one	Rs. 1500/- instead of duplicate FDD unless customer insists for duplicate FDD) Plus swift charges for sending advice	M
D.7	Sale of foreign currency Travellers where Bank earns exchange margin.	0.50% (min Rs. 100/-) On INR equivalent	M
D.8	Commission on TCs issued against deposit of Foreign Currency notes at the request of customer	1% of equivalent rupee amount Minimum Rs Rs.300/-	M
D.9	Issuance of TC by debit to EEFC/RFC/FCA Account of the customer	1% of equivalent rupee amount Minimum Rs.300/-	M
D.10	Clean outward remittances on account of IOC, HPCL, Shipping Corporation, ONGC, Railways or other PSUs/Govt Departments where Bank has to bid exchange rate	No charges	M

E: FOREIGN BANK GUARANTEES/ACCEPTANCE.

Para	Particulars	Charges	S/M
E.1	Guarantees issued in favour of Local parties against counter guarantees of foreign Banks in foreign currency subject to prior approval from IBD	1. For Banks to whom no specific approval is given: 0.25% p.m. or part thereof for the stipulated period of guarantee. Minimum amount USD 50/- 2: For our major Nostro account Banks: As per approval of Credit Approval committee.	S M
E.2	For joining customer guarantee and giving guarantee on behalf of customers in respect of discrepant documents.	0.25% of amount Minimum Rs. 1000/-	M
E.3	Guarantees issued in favour of shipping company in lieu of Bill of Lading	Rs. 1000/- per quarter for first quarter and Rs. 1500/ per quarter or part thereof.	S
E.4	Guarantees issued in favour of Local parties against counter guarantees of foreign Banks in Indian in rupees.	1. For Banks to whom no specific approval is given: 0.20% p.m. or part thereof for the stipulated period of guarantee. Minimum amount USD 50/- 2: For our major Nostro account Bank as per approval of Credit Approval committee.	M M
E.5	Letter of comfort/guarantee for availing Buyer’s credit	0.50% per quarter or part thereof for the actual tenor (Minimum Rs. 500)	M
	For letter of comfort issued against 100% margin/deposit, the applicable rate would be 50% of the above rate.		M
E.6	All other guarantees such as Bid Bond, performance, advance payment relating to export transactions (other than project exports) and those not specified else where	0.20% per month or part thereof for the actual tenor Minimum Rs 500	M
E.7	Deferred payment guarantee covering import of goods into India.	As applicable to deferred payment LC given at Table.B (B.17)	M
E.8	Availization –co-acceptance of Bill of Exchange: Counter signing the Bill of Exchange drawn on the importer/co-acceptance of draft.	0.15% per month Minimum Rs. 500/- or part thereof.	M

F: PROJECT EXPORTS/IMPORTS

Para	Particulars	Charges	S/M
F.1	PROJECT EXPORTS
	Processing of project proposal	Upto USD 50 million: Rs. 10,000/- USD 50 million to USD 100 million: Rs. 25,000/- Above USD 100 million: Rs. 25000/- + Rs. 300 per million. (Maximum Rs. 50,000/-)	M
F.2	Project Exports: Bid bond, bond for earnest money, guarantee for advance payment by foreign buyer to India exporter
	a. In the case of guarantee covered by ECGC	0.55% p.a. plus applicable ECGC premium	M
	b. In case guarantee issued against 100% counter guarantee of Government of India	0.35 % p.a. (Minimum Rs. 1000/-)	M
	c. Against 100% cash/deposit margin	0.25% p.a. (Minimum Rs. 1000/-)	M
	d. In case of guarantee related to project export other than above	1.10% p.a. (Minimum Rs. 1000/-)	M
F.3	PROJECT IMPORTS:
	Imports documents on collection basis covering project imports under international government aid schemes (including those financed by international agencies like World Bank, IMF, ADB etc .)	0.10% Minimum Rs. 500 Maximum Rs. 2500	M

G: MERCHANTING TRADE:

G.1	Import leg transaction	As applicable to Import transaction given in Table-B
G.2	Export Leg transaction	As applicable to Export Transaction given in Table-A

H: FORWARD CONTRACTS:

Para	Particulars	Charges	S/M
H.1	Booking of sale and purchase forward contracts	Rs. 650/-	S
H.2	Cancellation of forward contract	Rs. 500/- + swap cost	S
H.3	Early delivery	Rs. 600/- + swap cost wherever applicable	M
H.4	Extension/Roll over subject to RBI guidelines. (Contract cancellation and booking should be done at the same time subject to change in underlying. It should not be treated as booking and cancellation).	Rs.800/- + swap cost wherever applicable. (for both the legs taken together)	M

I: TRANSACTION RELATING TO ODI/FDI

Para	Particulars	Charges	S/M
I.1	Processing of ODI (JV/WOS) proposals(UIN Processing Fee)	Rs. 10,000/- per proposal. For allotment of UIN (apart from normal charges of outward remittance)	M
I.2	Subsequent remittances under ODI (after allotment of UIN)	Rs. 1,000/- per Remittance (apart from normal charges of outward remittance)	M
I.3	Annual APR Submission of ODI (JV/WOS)	Rs. 1,000.00 Per APR/Per Year	M
I.4	Late Submission of APR	Rs. 500.00 as Late Fee (apart from normal charge of APR above)	M
I.5	Reporting of Disinvestment of JV/WOS	Rs. 2,000.00 per UIN	M
I.6	Transfer of Existing UIN To/From another Bank	Rs. 2,000.00 Per UIN	M
I.7	Processing of FDI Proposal	Rs. 2,500.00 per UIN	M
I.8	Reporting of FCGPR	Rs. 2,500.00 per UIN	M
I.9	Reporting of FCTRS	Rs. 2,500.00 per UIN	M
I.10	Late submission of FCGPR	Rs. 2,000.00 (apart from normal charge as above)	M
I.11	Processing of ECB proposals (Other than Trade Credit)	Rs. 10,000/- per proposal. (for allotment of LRN)	M
I.12	ECB monthly reporting to RBI	Rs. 1,000.00 per LRN/ per month	M
I.13	Transfer of existing LRN to/from another Bank	Rs. 2000.00 per transfer	M

J: SWIFT/COURIER CHARGES

(Not to be credited to P/L postage etc. It is to be credited to concerned income head in P/L Accounts):

Para	Particulars	Charges	S/M
J. a)	MT 103 For Individual Remitter	Included in the commission	S
J. b)	MT 103 For Non-Individual	Rs 300/-	S
J. c)	MT 202 For Import Payment	Rs 300/-	S
J. d)	MT 700 - LC Issuance	RS 1000/-	S
J. e)	MT 707- LC Amendment	Rs 300/-	S
J. f)	MT760-Issuance of Guarantee	Rs 1000/-	S
J. g)	MT 767-Amendment to guarantee	Rs 500/- S	S
J. h)	MT-769 /792 Other SWIFT messages related to guarantee	Rs 300/-	M
J. i)	MT-420 Tracer for bills negotiated/ discounted/purchased	Rs 300/-	S
J. j)	MT-420 Tracer for collection of Export Bills	Rs 200/-	S
J. k)	MT-412/416 Acceptance of documents	Rs 250/-	S
J. l)	Conveying rejection of documents under LC	Rs 300/-	S
COURIER CHARGES
J-A	For Sending documents in one set	Rs 1500/-	S
J-B	For Sending documents in two sets	Rs 2500/-	M
J-C	For Sending supplementary documents at the request of the exporter	Rs 1500/-	M
J-D	For Return of Import documents at the request of remitting bank	USD 50/-	M

K: Request forwarded to RBI

Para	Particulars	Charges	S/M
K	Any request forwarded to RBI for Approval/Ratification	Approval: Rs 2000/- per proposal Ratification: Rs 4,000/- per proposal	M

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Service Charges

Service Charges

A. SERVICE CHARGES- DEPOSITS

B. SERVICE CHARGES-ADVANCES

C. SERVICE CHARGES: FOREX

Services charges relating to foreign exchange transactions are arranged into following segments:

Important notes:

A : EXPORTS:

B: IMPORTS:

C: INWARD REMITTANCES:

D: OUTWARD REMITTANCES:

E: FOREIGN BANK GUARANTEES/ACCEPTANCE.

F: PROJECT EXPORTS/IMPORTS

G: MERCHANTING TRADE:

H: FORWARD CONTRACTS:

I: TRANSACTION RELATING TO ODI/FDI

J: SWIFT/COURIER CHARGES

(Not to be credited to P/L postage etc. It is to be credited to concerned income head in P/L Accounts):

K: Request forwarded to RBI