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Service Charges

A. SERVICE CHARGES- DEPOSITS

Sr NoParticulars TypeService Charges escluding GST w.e.f. 18/04/2019S/M
1Non Maintainance of
Minimuim Balance
ASB - Operative
(Based on Monthly
Average Balance)
Metro/Urban *MAB Rs 1500/-
Shortfall<=50% : Rs 20/- per month
Shortfall>50% to 75% : Rs 30/- per month
Shortfall>75%: Rs 40/- per month

Semi Urban *MAB Rs 500/-
Shortfall <=50% : Rs 15/- per month
Shortfall>50% to 75% : Rs 20/- per month
Shortfall>75%: Rs 30/- per month

Rural *MAB Rs 500/-
Shortfall<=50%: Rs 5/- per month
Shortfall>50% to 75% : Rs 7.50/- per month
Shortfall>75% Rs 10/-per month
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
BRoyal SBBelow Minimum Monthly Average Balance (*MAB) of Rs.
1,00,000/- :
Rs 1,000/- per quarter
S
CPurple SBBelow 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
DCA - Operative(No diff. between Individual and Non Individual)
Metro / Urban / Semiurban : *QAB Rs. 5000/-
Charges for non maintaining of *QAB Rs. 2500/-per quarter
Rural : *QAB Rs 2500/- :
Charges :Rs. 500/- per quarter
S
EDiamond CAQAB Rs 1 Lakh: Rs. 2500/- QtrlyS
  *MAB- Monthly Average Balance *QAB-Quaterly Average BalanceS
2Duplicate Passbook
/ Account
Statement(Through
Counter)
ASBInitial or continued passbook free.

Rs.100/- per duplicate Passbook with latest balance plus Rs.50/-
per group of 30 entries or part thereof
S
BCA / CCFirst Statement : Free

Duplicate account statement: Rs.100/- per 30 entries or part thereof
S
CTDRs. 100/- for duplicate of lost receiptM
3Cheque LeavesASB20 free leaves p.a.
Rs.5.00 per additional leaf
(Rs 100/- for cheque book of 20 leaves)
S
BRoyal SB100 free leaves p.a.S
CPurple SB200 free leaves p.a.S
DCA / CCRs.5.00 per leaf (Rs 250/- for cheque book of 50 leaves)S
4Loss of Chq BookASBNILS
BCA / CCNILS
5Cheque ReturnAOutward
(Return of cheques
drawn on our Bank)
(Per Chq per occasion)
Financial reason:
upto 1Lakh: Rs. 300/-
above 1Lakh: Rs.500/-
Technical/ Other reason: Rs. 150/-
S
BInward
(Return of cheques
deposited by our
customers)
(Per Chq per occasion)
Financial reason:
upto 1Lakh: Rs. 300/-
above 1Lakh: Rs.500/-
Technical/ Other reason: Rs. 150/-
S
6Stop PaymentASBRs.200/- per cheque.
Max.Rs.1000/- per reference
S
BCA / CCRs.300/- per cheque.
Max Rs.2000/- per reference
S
7Account
Maintainance
ASBNILS
BCA / CC(Charges to be applied once in a year)
Rs.100/- per electronic page (30 entries) or part thereof
2 Free pages for Avg. Cr. Bal. of Rs. 25,000 to Rs. 50,000/-
5 Free pages for Avg. Cr. Bal. of Rs. 50,001 to Rs. 2,00,000/-
Free for Avg. Cr. Bal. Above Rs. 2,00,000
Business Correspondents- Account Maintenance (Ledger
Folio) charges not applicable to BCAs.
S
8CBS TransactionsACash DepositNIL
(For Cash handling charges, please refer point No. 8-C
below))
S
BCash WithdrawalSB: (Other than using alternative channels)
For Debit Cash entries over 30 per half year, Rs.20/- per
withdrawal (To be applied at the time of withdrawal).

CA: No Charges

No charges to be levied on cash payment of cheque at NonHome branch, only against self-drawn cheque.
Subject to cap of Rs. 50000/- per day
S
CCash handling1. For SB a/c holders: Free

2. For CA, Mixi OD A/c, CC:
Free for first 1000 pieces per day.
From 1001 pieces onwards-Rs.25 per 100 pcs or part thereof.
(For two or more transactions in a day, charges shall be collected
by taking cumulative total of the cash deposited during the day)

3. No Charges for Loan / NPA / Write off recovery

4. Diamond Accounts: No charges
S
DTransfer of Funds (at
Non-home branches)
FreeS
ECollection of cheques
(at Non-home branches)
FreeS
9SMS AlertA Rs.15/- per QuarterS
    Following categories of customers are exempted from SMS alert
charges: BSBDA /FI/PMJDY Customers, Staff Members (
including ex-staff members ) & Pension Account Holders
 
10Reconstitution of
Account
AVerification of SignatureRs 150/- per verification per instanceM
BChange of signaturesRs. 150/- per occasionM
CAttestation of
Photograph
Rs 150/- per verification per instanceM
DAddition/deletion of
names in
accounts/reconstitution
of accounts
Rs. 150/- per occasionM
EOperational instructions
(including lockers)
Rs. 150/- per occasionM
FChange in address /
mobile number
Rs. 150/- per occasionM
11Enquiry relating to
old records
Aupto 6 monthsRs. 150/- per itemM
Bupto 1 yearRs. 200/- per itemM
Cupto 2 yearsRs. 250/- per itemM
Dabove 2 yearsRs. 250/- per item for first 2 years and
Rs. 100 for every additional year or part thereof.
M
12OBC / IBC ChequesAUp to Rs 10,000/-Rs 50/- per instrumentS
Above Rs 10000 To Rs
100000
Rs 150/- per instrumentS
Above Rs 100000 to Rs
500000
Rs. 300/- per instrumentS
Above Rs 500000 to Rs
1000000
Rs. 300/- per instrumentS
Above Rs 1000000Rs.375/- per instrumentS
BRoyal/Purple Savings
Bank Accounts
Immediate Credit of outstation Cheques up to Rs 25,000/- free of
charge (not exceeding 2 cheques per month)
M
CCommision SharingOn 50:50 basis where collecting bank does not have a branch.M
DCollection of
cheques/warrants by
mandate (except salary
& pension- cheques/
ECS credit)
Rs.10/- per credit entryM
13OBC / IBC BillsAUp to Rs 10,000/-Rs. 150/- per billS
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 1000000Rs. 15/- per 1,000 or part thereof
Min. Rs.15, 000/-, Max. Rs.20,000/-
S
BAdditional 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
14Outstation Chq /
Bills Return unpaid
A 50% of collection charges Minimum Rs.100/- + other bank
charges if any
S
15Gift ChequesAGift ChequesAt ParM
16DD/PAY ORDER (No
difeerence between
Individuals and Non
Individuals)
AAbove Rs.10,000/-Rs. 5/- per thousand or part thereof
Min.Rs.100/- Max. Rs,20000/-

No charges are to be levied when issued directly in favor of
suppliers/contractors as part of disbursement of loan
amount.


Additional Charges for handling cash:
50% over & above normal charges for all.
(acceptance of cash of Rs.50,000/ & above not permitted)
S
BDiamond CAFreeS
CIssue of duplicateUp to Rs. 5,000- Rs. 100/-
Above Rs. 5,000 - Rs. 200/-
S
DCancellationUp to Rs. 1000/- : Rs.50/- per instrument
Above Rs 1000/- : Rs 150/- per instrument
S
ERevalidationRs. 150/- per instrumentS
17Collection of Deposit
Receipt of other
ALocalNILM
BOthersas per OBC chequesM
18Remittance of Term
Deposit on Maturity
to other Bank
A As applicable to remittancesS
19Call DepositAIssuance of DepositRs. 50/-S
20Standing InstuctionsARegistrationRs 100/-S
BExecutionNILS
CNon-ExecutionRs 150/-
(If Credit account is a Loan/CC Account)
S
21ECS CreditA As Destination branch- NilS
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
22ECS DebitARegistrationRs. 150/-S
BExecutionRs.3.50/- per transaction (above Rs.2 cr, additional Rs. 50/- to be
charged as Clearing House Charges) (Min. Rs. 2,750/-)
S
CNon-Execution(Per instance)
Financial reason:
upto 1Lakh: Rs. 300/-
above 1Lakh: Rs.500/-
Technical/ Other reason: Rs. 150/-
(If Credit account is a Loan/CC Account)
S
23Inward RTGS  FreeS
Outward RTGS

(minimum threshold
Rs. 2 Lakh)
A08:00 to 11:00Rs. 2 lakh to Rs. 5 lakh:
Rs. 25/- (Across counter)
Rs. 5/- (Digital Mode)

Rs. 5 lakh and above:
Rs. 50/-(Across counter)
Rs. 10/- (Digital Mode)
S
B11:00 to 13:00Rs. 2 lakh to Rs. 5 lakh:
Rs. 27/-(Across counter)
Rs. 5/- (Digital Mode)

Rs. 5 lakh and above:
Rs. 52/-(Across counter)
Rs. 10/- (Digital Mode)
S
CAfter 13:00Rs. 2 lakh to Rs. 5 lakh:
Rs. 30/-(Across counter)
Rs. 5/- (Digital Mode)

Rs. 5 lakh and above:
Rs. 55/-(Across counter)
Rs. 10/- (Digital Mode)
S
24Inward NEFT  FreeS
Outward NEFT
 Upto Rs. 10,000/-Across Counter: Rs 2.5/- per trxn
Digital Mode: Free
S
Rs. 10001 to 1 LakhAcross Counter: Rs.5/- per trxn
Digital Mode: Rs 2/- per trxn
S
1 Lakh to 2 LakhAcross Counter: Rs 15/- per transaction
Digital Mode: Rs 3/ per trxn
S
Above 2 LakhAcross Counter: Rs.25/- per transaction
Digital Mode: Rs 5/- per trxn
S
BRoyal SBFree NEFT/RTGS through internet bankingS
CPurple SBFree unlimited NEFT/RTGS remittancesS
DDiamond CAFreeS
25Power of attorney /
mandate
AAllowing operations
through power of
attorney/mandate
Rs. 500/-for Individual
Rs. 1000/-for Non-Individual
M
26Inoperative ChargesASBNo charges to be levied irrespective of the balance in the accountS
BCANo charges to be levied irrespective of the balance in the accountS
27Closure of AccountASBSaving accounts-Up to 14 days from account opening date:
NIL ( asper BCSBI CODE)


If closed within 15 days to 1 year- Rs 200/-

(other than Royal and Purple)
Rs. 500 for non individual accounts
S
BRoyal SBBefore 1 year: Rs 1,000/-S
CPurple SBBefore 1 year: Rs 1,000/-S
DCAUp 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
28Interest Certificate  First certificate free.
Rs 100/- for per additional copy.
M
29Balance Certificate  First certificate free.
Rs 100/- for per additional copy.
M
30Debit CardAIssuing New CardNILS
BAnnual Maint.1. General Public Ist year: Free
Rs. 100 from second year onwards
2. Staff/Royal/Purple/MKCC/ and Customer maintaining average
quarterly/monthly balance Rs 50,000/ in CA/SB: Free
S
CAdd-on CardRs. 300/-S
DReplacementRs. 100/-S
ERe-issue of Hot-listed
Card
Rs. 150/-S
FEnhancement/Reduction
in Limits (Through
Branch)
Rs. 50/-S
GRe-PINRs. 50/- (Green PIN-No charges)S
31ATM UsageABank's ATMNILS
BOther Bank's ATM1. For Saving Bank Accounts-First 5 transactions in a monthFREE (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
CVisa 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
DPOS at Petrol Pump
Railway Counter
2.5 % of transaction amount subject to min. Rs 10/-S
32Loss of TokenA Rs. 100/- per lost tokenM
33Safe Custody
Charges
ABank's Own Deposit
Receipt
Rs. 50 p.a.M
BScripsRs. 100/- per scrip.
Min. Rs. 200/- p.a. or part thereof.
M
CSealed CoverRs. 500/- per cover p.a. or part thereof.M
 SEALED BOXES:  
DSmall Box (upto 1000
cubic cm)
Rs. 1000/- p.a. per boxM
EMedium Box (upto 8000
cubic cm)
Rs. 2000/- p.a. per boxM
FLarge Box above 8000
cubic cm)
Rs. 5000/- p.a. per boxM
34Door Step BankingAUpto Rs. 2.00 LacRs. 3250/-(Daily Cash pickup charges/month)
Per call charges Rs. 125/-.
M
BAbove Rs. 2 Lac upto
Rs. 3 Lac
Rs. 4500/-(Daily Cash pickup charges/month)
Per call charges Rs. 175/-.
M
CAbove Rs. 3 Lac upto
Rs. 4 Lac
Rs. 6500/- (Daily Cash pickup charges/month)
Per call charges Rs. 250/-.
M
DAbove Rs. 4 Lac upto
Rs. 5 Lac
Rs. 7000/-(Daily Cash pickup charges/month)
Per call charges Rs. 265/-.
M
EAbove Rs. 5 Lac upto
Rs. 6 Lac
Rs. 9000/-(Daily Cash pickup charges/month)
Per call charges Rs. 340/-.
M
FAbove Rs. 6 Lac upto
Rs. 8 Lac
Rs. 9500/-(Daily Cash pickup charges/month)
Per call charges Rs. 360/-.
M
GAbove Rs. 8 Lac upto
Rs. 10 Lac
Rs. 10000/-(Daily Cash pickup charges/month)
Per call charges Rs. 385/-.
M
HAbove Rs. 10 Lac upto
Rs. 20 Lac
Rs. 17500/-(Daily Cash pickup charges/month)
Per call charges Rs. 675/-.
M
IAbove Rs. 20 Lac upto
Rs. 30 Lac
Rs. 18500/- (Daily Cash pickup charges/month)
Per call charges Rs. 700/-.
M
JAbove Rs. 30 Lac upto
Rs. 40 Lac
Rs. 19500/-(Daily Cash pickup charges/month)
Per call charges Rs. 750/-.
M
KAbove Rs. 40 Lac upto
Rs. 50 Lac
Rs. 20000/- (Daily Cash pickup charges/month)
Per call charges Rs. 775/-.
M
LAbove Rs. 50 Lac upto
Rs. 75 Lac
Rs. 23500/- (Daily Cash pickup charges/month)
Per call charges Rs. 900/-.
M
MAbove Rs. 75 Lac upto
Rs. 1 Cr
Rs. 44000/-(Daily Cash pickup charges/month)
Per call charges Rs. 1875/-.
M
NAbove Rs. 1 Cr upto Rs.
1.50 Cr
Rs. 50000/- (Daily Cash pickup charges/month)
Per call charges Rs. 2500/-.
M
OAbove 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
35LockerAType A1. Security Deposit: Rs. 15000/-
2. Rent:
Metro/Urban/SU: Rs. 1800/- p.a.
Rural: Rs. 1200/-p.a.
S
Type B1. Security Deposit: Rs. 15000/-
2. Rent:
Metro/Urban/SU: Rs. 2000/-p.a.
Rural: Rs. 1200/-p.a.
S
Type C1. Security Deposit: Rs. 15000/-
2. Rent:
Metro/Urban/SU: Rs. 3600/-p.a.
Rural: Rs. 2400/-p.a.
S
Type D1. Security Deposit: Rs. 15000/-
2. Rent:
Metro/Urban/SU: Rs. 3600/-p.a.
Rural: Rs. 2400/-p.a.
S
Type E1. Security Deposit: Rs. 50000/-
2. Rent:
Metro/Urban/SU: Rs. 4000/-p.a.
Rural: Rs. 2700/-p.a.
S
Type H11. Security Deposit: Rs. 50000/-
2. Rent:
Metro/Urban/SU: Rs. 4000/-p.a.
Rural: Rs. 2700/-p.a.
S
Type F1. Security Deposit: Rs. 50000/-
2. Rent:
Metro/Urban/SU: Rs. 5000/-p.a.
Rural: Rs. 4000/-p.a.
S
Type G1. Security Deposit: Rs. 50000/-
2. Rent:
Metro/Urban/SU: Rs. 5000/-p.a.
Rural: Rs. 4000/-p.a.
S
Type H1. Security Deposit: Rs. 50000/-
2. Rent:
Metro/Urban/SU: Rs. 6000/-p.a.
Rural: Rs. 5000/-p.a.
S
Type L1. Security Deposit: Rs. 50000/-
2. Rent:
Metro/Urban/SU: Rs. 10000/-p.a.
Rural: Rs. 8000/-p.a.
S
Type K1. Security Deposit: Rs. 50000/-
2. Rent:
Metro/Urban/SU: Rs. 10000/-p.a.
Rural: Rs. 8000/-p.a.
S
BDiamond CAOne Locker Free (Any type)S
CRegistrationNILS
DVisit12 visits per year free. Thereafter : Rs.100/- per visitS
ELoss of KeysActual expenses incurred towards replacement of keys +
Rs 2000/- towards administrative cost
M
FStaff ConcessionNo Security deposit for Staff
25 % rent discount in “A” type of lockers only.
The facility is for first locker only.
S
GPenalty for Rent in
Arrears
3% p.m. on the amount of locker arrears
(also applicable for staff)
M
  HSpecial Discount for
Advance Payment of
Rent for Customers and
Staff
No discount at present.M
36DMATADocumentationActualsM
BDematerialization
Charges
Rs. 5/- per certificateM
CTransaction (Sell/Debit)Rs.2/- per certificate Min. Rs. 25/- per request
0.03% of value subject to min. Rs.25/- & max. Rs. 500/-
M
DPledgeFor MAHA E-trade Online Trading Customer flat charges Rs 10/-
per transaction
M
EUnpledgeRs. 60/- per ISIN (pledgor),
Rs. 40/- per ISIN (pledgee)
Rs. 30/- per ISIN (pledgor),
M
FPledge invocationRs. 20/- per ISIN (pledgee)M
GRemateralisation /
Repurchase
Rs. 40/- per transactionM
HFailed TransactionRs. 30/- per transactionM
ILate TransactionRs. 25/- per transactionM
JDemat/Other mailRs. 20/- per transactionM
KFreeze / Unfreeze
Charges
Actuals (Min. Rs. 25/- per trax.)M
LAnnual MaintenanceRs. 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
MBasic services Demat.
Account (BSDA)
AMC Free for 1st year
50% of AMC waived from Year 2 for Purple Savings Account
M

B. SERVICE CHARGES-ADVANCES

Sr NoParticulars TypeService Charges escluding GST w.e.f. 18/04/2019S/M
1TOD / EODAInterest on TODMCLR +8% with monthly restS
BInterest on EODFor 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
S
3Against ClearingACurrent/Saving A/cMCLR+8.00% p.a (Interest to be charged only for days the bank remain
out of fund)
S
BWorking CapitalFor 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
S
3BP/ BDABP/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
S
BBP/BD BillsNot 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.
M
4CertificatesASolvency Certificate0.30% of Solvency certificate amount
Min: Rs 1000/-, Maximum Rs 30000/-
M
BIssuance of No DuesMetro/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
M
CProviding Credit ReportRs 1000/- per occasionM
5Inspection /
Supervision
Charges
AInspection / Supervision1. upto Rs 2 Lac- NIL
Rs 2 lac to Rs 1 Cr. @0.0625% p.q.
max Rs 10000/-p.a. + cost of visit (on Actual Basis)
Above Rs 1 cr: Rs 15000/- p.a + cost of visit (on Actual Basis)
(Charges to be levied on:
Working Capital: Total FB+NFB Limit
Term Loan: Outstanding Balance)
2. No supervision charges for retail loans like Housing, Personal,
Consumer, Vehicle, Education, Solar and Aadhar loans (Excluding LAP -
self-occupied house)
3. Crop loan / MKCC
Upto Rs 3,00,000/--: Nil
Above Rs 300000/- @0.25% p.a
Minimum: Rs 750/-p.a, Maximum: Rs 5000/- p.a
S
6Processing FeesAWorking 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
Rs. 5 Lacs to Rs. 20 Cr: 0.25% p.a.
Rs 20 cr and above: As per external credit rating (Existing guidelines)
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
S
BTerm Loan1.10% of sanctioned amount
Maximum Limit:
Priority Sector Rs 100 lacs
Exporters Rs 50 lacs
For other Advances: No maximum limit

MSME Loans:
up to Rs.5 Lacs: NIL
above 5 Lacs: 1%
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-refubndable)

Review: (on outstanding amount)
Upto 25 Lacs: NIL
above 25lacs: 0.10% (Max 1 Lakh)

3. Incase of MKCC/Crop Loan up to Rs 3.00 Lakh for small and
marginal farmer category : NIL
S
CRETAIL 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
S
DBill discounting under
LC
NILS
ENon Fund Based LimitsAs applicable to the fund based facilityS
FForward Contract LimitNILS
GTOD/EOD/BG/LC
(adhoc limits)
LC/BG:
Minimum for 1 quarter
(as applicable for working capital Limits.)

Others:
on Prorata basis min for 15 days as applicable for working capital Limits
(Min Rs. 1000/-per occasion)
M
7Lead Bank
Charges (Where
our Bank is a
Lead Bank)
ANew / Renewal0.35% of the total FB/NFB limits/WC/TL
(Max Rs. 50 Lacs)
Same for renewal of WC limits (except TL)
M
8Delayed Review
(Due to non
submission of
renewal data
including
Audited Balance
sheet by the
borrower)
ADelayed 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
M
9Commitment
Charges
A 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
M
10Restructuring of
Credit Facilities
ARestructuring 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.
M
11Bank
Guarantees
ABG commission:
Performance Guarantee
Upto 5 Cr :- 2.5%p.a. (Min Rs 500/-)
5 Cr to 10 Cr :- 2% p.a.
Above 10 Cr :- 1.75%p.a.
(on pro-rata basis subject to minimum for one quarter)

Commission is to be charged as per slab, in which total BG limit
(sanctioned) to borrower entity falls.
S
BBG commission: Financial GuaranteeUpto 5 Cr :- 3%p.a. (Min Rs 500/-)
5 Cr to 10 Cr :- 2.5% p.a.
Above 10 Cr :- 2% p.a.
(on pro-rata basis subject to minimum for one quarter)

Commission is to be charged as per slab, in which total BG limit
(sanctioned) to borrower entity falls.
S
CRenewal of GuaranteeAs 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.
S
DGuarantees fully
secured by deposits
25% of regular commission as aboveS
ERefund 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.
S
12Inland Letter of
Credit
AIssue chargesRs 250 per LCS
BUsance ChargesUnified Charges (Usance + Committement) :-
0.25 % per month or part thereof
S
CCommitment charges
for the period from date
of issue to last date of
negotiation mentioned
in LC
Discontinued (Included in unified charges)S
Dwhen the amount of
credit under LC is
increased
Min Rs. 500/- along with Unified Charges on enhanced amount.S
EExtention of ValidityRs 1000/- + Unified charges for extended periodS
Famendment charges
(other than increase in
LC amount and validity)
Rs 500/-S
GReinstatement Charges
in case of Revolving LC
Unified charges on amount reinstated per quarter;
Min Rs 500/- p.q.
M
HLC advising ChargesRs 2000/- flatS
IConfirmation of inland
LC
As applicable to LC opening ChargesM
13Negotiation
charges
ABills up to 2.50 lacs0.40%- Min Rs 500/-S
above Rs 2.50 lacs to
Rs 10 lacs
Rs 1500/- flat + out of pocket expensesS
Above Rs 10 lacs upto
Rs 100 lacs
Rs 2500/-flat + out of pocket expensesS
Above Rs 100 lacsRs 3500/- flat + out of pocket expensesS
Bout of pocket expensesactual basisM
14Documentation
Charges
AGovt Sponsored
scheme
NILS
BCrop Loan/MKCCUpto Rs 3 lakhs: Nil
Above Rs 3 lakhs:@ 0.25%
Minimum charges: Rs 750/-
Maximum charges: Rs 25000/-
S
CRETAIL 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
 
DAll Other loansupto Rs 2 lacs :- NIL
Above Rs 2 lacs :- 0.25% (Max Rs. 50000/-)
S
15Giving Copies of
Loan Documents
AFirst TimeNILM
Bupto Rs 2.00 lacsActual cost of photocopies + Rs 100/-M
CAbove Rs 2 lacsActual cost of photocopies + Rs 200/-M
16EarMarking of
Limits
Aupto rs 1 crRs 1500 per occasionM
Babove Rs 1 crRs 5000 per occasionM
17SanctionARevalidation of sanctionUpto 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
M
AAmendment /
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
M
18MortgageAMortgage 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
M
BROC filing ChargesRs 1500/- (for corporates)M
19AgenciesACERSAI ChargesRs 200/- per asset id (Only at the time of first creation)M
BNeSLActualsM
CCredit Information
Company (CIC) Report
Charges
Individual (CIBIL and CRIF):
Rs 50/- per instance/report
Non Individual (CIBIL):
Rs 500/- for corporates and Rs 500/- for MSME Scoring
S
DTrust and Retention
Account (TRA) agency
fees
Rs 5.00 lacs Flat p.a.M
20Project Appraisal
fee
AProject 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.
M
21Penal InterestAMaintaining 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)
M
22Closure of LoanAForeclosure Charges
for CC
2% of the sanctioned LimitS
BIncidental charges at
the time of closure of
any Loan/ CC account
(other than LAD, Govt
sponsored Schemes
and Staff Loans)
Rs 100/-S

C. SERVICE CHARGES: FOREX

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

SectionSegment
AExport Transactions
BImport Transactions
CInward Remittances
DOutward Remittances
EForeign Bank Guarantees & Acceptance
FProject Exports and Imports
GMerchanting Trade Transactions
HForward Contracts
ITransactions relating to ODI/FDI/ECB
JSWIFT/Courier charges
KRequest forwarded to RBI
LDelegation for considering concession in charges
MCharges for Bulk Business and Delegation of powers for
consideration of these charges.

Important notes:

  1. The schedule stipulates charges for transaction amount in terms of USD. For other currencies the amount would be equivalent to the USD.
  2. 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:

ParaParticularsChargesS/M
A.1Rupee 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.2Foreign 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.3Rupee advance against export billWill be treated as bill on collection and
charges for collection of bill will be recovered.
S
A.4Processing charges for rupee export bills0.20% per bill
Minimum: Rs 750/-, Maximum : Rs. 25,000/-
M
A.5For forwarding export documents to other
Bank in India for collection, discounting or
negotiation
Rs.1100/- per documentM
A.6Overdue 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.7Reimbursement charges under letter of creditwhen reimbursement is claimed by AD bank in
India from our Bank
Rs. 750/- per reimbursementM
A.8Pre-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.9Export 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.10Export 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.11Bills in Indian rupees sent for collection0.20% per bill (Min: Rs 750/-, Max: Rs.
25,000/-)
M
A.12Overdue 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.13Purchased/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.14Where 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.15Deemed Export Bills0.15% (Min Rs. 600/-, Max: Rs.40,000/- per
bill)
M
A.16Export L/C advisingTo our client: Rs. 700/-S
 Including courier chargesTo Non customers: Rs.1500/-M
A.17Advising Amendment to Export LC
Including courier charges
To our client: Rs. 500/-
To Non customers: Rs.750/-
S
M
A.18Advising LC to our customer as a second
advising bank which has been received via
SWIFT by another bank.
Rs. 500/- per AdviceM
A.19ADDING 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.20For each advice for transfer of a Export letter
of credit. Transfer charges are in addition to
the LC amendment advising charges.
Rs. 1000/- per transferS
A.21Credit of export proceeds to EEFC AccountsNILS
A.22Approval for extension of due date for
realization of export bill by Bank/RBI
Rs. 1000/- Per Bill, Per ExtensionS
A.23Late submission of export documents (after 21
days from the date of shipment as per RBI
Guidelines
Rs. 250/- per month or part thereof, per billS
 Certificates related to Export Transactions 
A.24Issuance of BRC/e-BRCNILS
A.25Attestation in respect of export transaction –
invoice etc.
Rs. 200/-M
A.26Other certificates related to exports like GR
waiver etc. on Bank’s letter head
Rs. 200/-M
A.27COMMISSION 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.28Processing 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:

ParaParticularsChargesS/M
B.1Opening 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 LC0.15% flat min Rs. 600/-S
Usance LCs upto 3 months0.30% minimum Rs.700/-S
Usance above 3 months0.30% 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 5,00,000Normal RatesS
Above USD 5,00,000 upto USD 1,000,00080% of normal ratesS
Above 1,000,000 to USD 5,000,00060% of normal ratesS
Above USD 5,000,00050% of normal RatesS
B.2LCs opened / confirmed against 100%
deposit:
Volume discount would be
additionally available to these LCs
50% of the applicable rateS
B.3Amendment 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.4Amendment 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.5Amendment 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.6Receipt of discrepant documents under LCUSD 50M
B.7Revival of LC within 3 months from the expiry
date
Charges as per B.1 (at par with fresh LC)M
B.8Commission 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 nonpayment 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.9Commission 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.10ADVANCE 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.11Forwarding Non LC import bill to other bank
for payment.
Rs. 1000/- per billM
B.12CERTIFICATES RELATING TO IMPORT 
 Attestation of InvoiceRs 50/-M
 Issuance of Delivery order to Airline company
for delivery of goods pending receipt of import
documents
Rs. 1000/-M
B.13Return of import Bill on collection as per the
instructions of remitting Bank
USD 60 plus courier chargesM
B.14Charges for noting and protestinUSD 200 plus out of pocket expensesM
B.15REVOLVING 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 LCM

M
Usance chargesAs applicable to import LCM
Extension, amendment etc. and all other
issues related to LC
As applicable to import LCM
B.16BUYER’S CREDIT : PROCESSING CHARGES 
 Buyers credit where credit is arranged by
importer
Rs. 1000/- per applicationM
Where quote is arranged by bankRs. 5000/- per applicationS
B.17Deferred 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 LCsShall 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.18FCDLUpto 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.19Bill of Entry (with delay beyond 6 months)NILM

C: INWARD REMITTANCES:

ParaParticularsChargesS/M
C.1Payment 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.2Purchase 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.3Where 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.4COLLECTION OF FOREIGN CURRENCY CHEQUES/OTHER INSTRUMENTS PAYABLE
ABROAD
 
 Collection of instruments payable abroad0.25% 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.5TRAVELLERS 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 proceeds0.25% 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.6FIRC/ENCASHMENT CERTIFICATE 
 Issue of FIRC/Encashment certificate on
security paper
Rs. 250/- per certificateM
Issue of FIRC/Encashment certificate on
Bank’s letter head
Rs. 200/- per certificateM
Issuance of Duplicate FIRCRs. 1500/- per duplicate FIRCM
C.7CHEQUES RETURNED UNPAI 
 Upto USD 10,000Rs. 200/-S
Above USD 10,000 to USD 50,000Rs. 1000/-S
Above USD 50,000Rs. 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.8Payment 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:

ParaParticularsChargesS/M
D.1Remittance by MT103 (Including swift charges)
(For non-trade Transactions only)
0.10%
Min- Rs 100/-, Max- Rs 2000/-
S
D.2Remittance by MT103
(For commercial transactions)
0.10% (Min- Rs 500/-, Max- Rs 2000-)
Plus: Swift charges as given in Section J
S
D.3Issuance of FDD
For non-trade Transactions
Upto USD 5000 - Rs. 250/-
Above USD 5000 - Rs. 500/-
S
D.4Issuance of FDD (Including SWIFT Charges)
(For commercial transactions)
Upto USD 5000 - Rs. 500/-
Above USD 5000 - Rs. 700/-
S
D.5Remittance of FCNR proceeds abroad or to
any other Bank in India in foreign currency
No charges. No out of pocket expensesM
D.6Issue 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.7Sale of foreign currency Travellers where Bank
earns exchange margin.
0.50% (min Rs. 100/-)
On INR equivalent
M
D.8Commission 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.9Issuance of TC by debit to EEFC/RFC/FCA
Account of the customer
1% of equivalent rupee amount
Minimum Rs.300/-
M
D.10Clean outward remittances on account of IOC,
HPCL, Shipping Corporation, ONGC, Railways
or other PSUs/Govt Departments where Bank
has to bid exchange rate
No chargesM

E: FOREIGN BANK GUARANTEES/ACCEPTANCE.

ParaParticularsChargesS/M
E.1Guarantees 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.2For joining customer guarantee and giving
guarantee on behalf of customers in respect of
discrepant documents.
0.25% of amount
Minimum Rs. 1000/-
M
E.3Guarantees 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.4Guarantees 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.5Letter 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.6All 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.7Deferred payment guarantee covering import of
goods into India.
As applicable to deferred payment LC given
at Table.B (B.17)
M
E.8Availization –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

ParaParticularsChargesS/M
F.1PROJECT EXPORTS 
 Processing of project proposalUpto 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.2Project 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 ECGC0.55% p.a. plus applicable ECGC premiumM
 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 margin0.25% 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.3PROJECT 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.1Import leg transactionAs applicable to Import transaction given in Table-B
G.2Export Leg transactionAs applicable to Export Transaction given in Table-A

H: FORWARD CONTRACTS:

ParaParticularsChargesS/M
H.1Booking of sale and purchase forward
contracts
Rs. 650/-S
H.2Cancellation of forward contractRs. 500/- + swap costS
H.3Early deliveryRs. 600/- + swap cost wherever applicableM
H.4Extension/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

ParaParticularsChargesS/M
I.1Processing 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.2Subsequent remittances under ODI (after
allotment of UIN)
Rs. 1,000/- per Remittance
(apart from normal charges of outward
remittance)
M
I.3Annual APR Submission of ODI (JV/WOS)Rs. 1,000.00 Per APR/Per YearM
I.4Late Submission of APRRs. 500.00 as Late Fee
(apart from normal charge of APR above)
M
I.5Reporting of Disinvestment of JV/WOSRs. 2,000.00 per UINM
I.6Transfer of Existing UIN To/From another
Bank
Rs. 2,000.00 Per UINM
I.7Processing of FDI ProposalRs. 2,500.00 per UINM
I.8Reporting of FCGPRRs. 2,500.00 per UINM
I.9Reporting of FCTRSRs. 2,500.00 per UINM
I.10Late submission of FCGPRRs. 2,000.00 (apart from normal charge as
above)
M
I.11Processing of ECB proposals (Other than
Trade Credit)
Rs. 10,000/- per proposal.
(for allotment of LRN)
M
I.12ECB monthly reporting to RBIRs. 1,000.00 per LRN/ per monthM
I.13Transfer of existing LRN to/from another
Bank
Rs. 2000.00 per transferM

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):

ParaParticularsChargesS/M
J. a)MT 103 For Individual RemitterIncluded in the commissionS
J. b)MT 103 For Non-IndividualRs 300/-S
J. c)MT 202 For Import PaymentRs 300/-S
J. d)MT 700 - LC IssuanceRS 1000/-S
J. e)MT 707- LC AmendmentRs 300/-S
J. f)MT760-Issuance of GuaranteeRs 1000/-S
J. g)MT 767-Amendment to guaranteeRs 500/- SS
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 BillsRs 200/-S
J. k)MT-412/416 Acceptance of documentsRs 250/-S
J. l)Conveying rejection of documents under LCRs 300/-S
COURIER CHARGES 
J-AFor Sending documents in one setRs 1500/-S
J-BFor Sending documents in two setsRs 2500/-M
J-CFor Sending supplementary documents at
the request of the exporter
Rs 1500/-M
J-DFor Return of Import documents at the
request of remitting bank
USD 50/-M

K: Request forwarded to RBI

ParaParticularsChargesS/M
KAny request forwarded to RBI for
Approval/Ratification
Approval: Rs 2000/- per proposal Ratification:
Rs 4,000/- per proposal
M