Bank Charges

S. No. Particulars Charges Existing Revised from 01.04.2025
A  RTGS Charges Charges per transaction(with gst ) Charges per transaction(with gst )
1 Upto Rs. 10000 Rs. 3 Rs. 3
2 Rs. 10001 to Rs. 1 Lac Rs. 5 Rs. 5
3 Rs. 100001 to Rs. 2 Lac Rs. 15 Rs. 15
4 Above Rs. 2 Lac to Rs. 5 Lac Rs. 25 Rs. 25/
5 Above 5 Lac Rs. 50
A-1  NEFT Charges Charges per transaction Charges per transaction
1 Upto Rs. 10000 Rs. 3 Rs. 3
2 Rs. 10001 to Rs. 1 Lac Rs. 5 Rs. 5
3 Rs. 100001 to Rs. 2 Lac Rs. 15 Rs. 15
4 Above Rs. 2 Lac Rs. 25 Rs. 25
B IMPS Charges
1 Upto Rs. 10000 Rs. 6 Rs. 6
2 Rs. 10001 to Rs. 1 Lac Rs. 10 Rs. 10
3 Rs. 100001 to Rs. 2 Lac Rs. 30 Rs. 30
4 Above Rs. 2 Lac Rs. 50 Rs. 50
C OBC Charges (Cheques): 
1 Up to Rs. 5,000/- Rs. 25/- + GST Rs. 25/- + GST
2 Rs.5,001 To Rs 10,000 Rs. 50/- +GST Rs. 50/- +GST
3 Rs.10,000 To Rs. 1,00,000 Rs. 100/- + GST Rs. 100/- + GST
4 Above Rs. 1,00,000 Rs. 1 per Rs. 1000/- or part there of with a maximum of Rs. 500/-per instrument. +GST Rs. 1 per Rs. 1000/- or part thereof with a maximum of Rs. 500/- per instrument. +GST
Returning charges on Cheques returned unpaid shall be 50% of normal charges as above.
In case of more than one bank the charges should be shared for amount up to Rs.1 Lac and 50% of our bank’s charges for amount above Rs.1 Lac.
D IBC Charges (Bills) :
1 Up to Rs. 1000/- Rs. 30/- +GST Rs. 30/- +GST
2 Rs. 1001/- and up to Rs. 5000/- Rs. 50/- +GST Rs. 50/- +GST
3 Rs. 5001/- and up to Rs. 10000/- Rs. 70/- +GST Rs. 70/- +GST
4 Rs. 10001/- Above Rs. 50000/- Rs. 7/- per Rs. 1000/- or part thereof with a minimum of Rs. 70/- +GST Rs. 7/- per Rs. 1000/- or part thereof with a minimum of Rs. 70/- +GST
5 Above Rs. 50000/- Rs. 5/- per Rs. 1000/- with a minimum of Rs. 275/- +GST Rs. 5/- per Rs. 1000/- with a minimum of Rs. 275/- +GST
Returning charges on Bills returned unpaid shall be 50% of normal charges as above.
E Cheque Book Issue Charges
Savings Account:
1 First cheque book of 15 leaves – Free and there after Rs. 2.50 + GST per leaf
Current / Overdraft / Cash Credit Account:
1 First cheque book of 45 leaves – Free and there after Rs. 3.00/- + GST per leaf
F Cheque Stop Payment charges:
1 For single cheque Rs. 100/- +GST Rs. 150/- +GST
2 For more than one Cheque Rs. 100/- per cheque with maximum of Rs. 500/- +GST Rs. 150/- per cheque with maximum of Rs. 500/- +GST
G Cheque Return Charges:
Inward Cheque Return Rs. 200/- +GST per cheque Rs. 300/- +GST per cheque
Outward Cheque Return Rs. 200/- + GST per cheque Rs. 300/- + GST per cheque
H Processing Charges on Advances : 
For Cash Credit & Overdraft Limits & All Term Loan
 
1 Up to Rs.1 Lac Rs.500/- + GST Rs.500/- + GST
2 Above Rs.1 Lac 0.50% of Loan Amount 0.50% of Loan Amount
3 Any Modification in sanctioned Rs. 1000/- +GST
On Review / Renewal of Cash Credit / Overdraft Limits – Same  charges, as above
I DD Commission :
Up to Rs. 5000/- Rs.20/- + GST Rs. 40/- +GST
Rs. 1001/- to Rs. 5000/- Rs.25/-GST
Rs. 5001/- to Rs. 10000/- Rs.30/-+GST Rs. 60/- +GST
Rs. 10001/- to Rs.1 Lac Rs. 40/- +GST
Above Rs. 1 Lac Rs. 2/-  +GST per Rs. 1000/- Rs. 100/- +GST
Lost Instruments Rs. 100/- +GST per Instrument
Cancelation Charges Rs. 150 +GST per Instrument
J  Pay Order Commission : 
1 Up to Rs. 500/- Rs. 10/- +GST Rs. 20/- +GST
2 Rs. 501/- to Rs. 1000/- Rs. 15/- +GST
3 Rs. 1001/- to Rs. 5000/- Rs. 20/- +GST Rs. 40/- +GST
4 Rs. 5001/- to Rs. 100000/- Rs. 25/- +GST Rs. 60/- +GST
5 Rs. 10001/- Rs.1 Lac Rs. 1.25 +GST per Rs. 1000/-
6 Above Rs. I Lac to Rs. 5 Lac Rs. 0.75 +GST per Rs. 1000/- Rs. 100/- +GST
7 Above Rs.5 Lac Rs.0.50 +GST per Rs. 1000/- Rs.0.70 +GST per Rs. 1000/-
8 Cancelation Charges Rs. 150 +GST per Instrument
9 Lost Instruments Rs. 100/- +GST per Instrument
K Inspection Charges for Cash Credit & Overdraft Limits: (to be recovered every year) 
For Cash Credit & Overdraft Limits :
1 Up to Rs.1 Lac Rs.100/- +GST for every  year  Rs.200/- +GST for every  year
2 Rs.1 Lac & Up to Rs.10 Lac Rs.200/- +GST for every  year Rs.400/- +GST for every  year
3 Above Rs. 10 Lac Rs. 1500/-+GST for every year
 Bank Guarantee Commission : 
 1  Financial guarantee secured by 100% cash margin in the shape of Bank Deposit & Cash Security  Rs.100/- +GST plus 25% of charges as above, applicable to partly secured bank guarantees. i.e. 1% Rs.100/- +GST plus 25% of charges as above, applicable to partly secured bank guarantees. i.e. 2%
L Minimum Balance Charges:
1 Saving Account: with Cheque facility Min. Rs.1000/- ( Quarterly average balance) Rs. 150/- + GST Rs. 150/- + GST
2 Current Account :  Minimum  Rs. 3000/- ( Quarterly average balance) Rs. 300/- +GST Rs. 300/- +GST
M Loacker Rent:
1 ‘ A ‘ category Rs. 1200/- +GST Rs. 1400/- +GST
2 ‘ B ‘ Category Rs. 1800/- +GST Rs. 2000/- +GST
3 ‘ C ‘ Category Rs. 2500/- +GST Rs. 2800/- +GST
N Cash Handling Charges and deposit at other than base branch
1 Upto Rs 100000/- NIL NIL
2 Rs. 100001/- to Rs. 500000/- 100+GST 50+GST
3 Above Rs. 500000/- Rs. 150/- +GST 100+GST
O Duplicate Statement Charges
1 Per Page Rs. 40/- +GST Rs. 50/- +GST
2 Duplicate PassBook Rs. 50/-  +GST Rs. 50/-  +GST
P Inoperative to Operative Rs. 100/- +GST NIL
 
Q Signature Verification Rs. 100/- per Signature
R Photo Attestation Rs. 50/- per Photo
S NACH —
1 Mandate Charges Rs. 100/- +GST
2 Return Charges Rs. 150/- +GST Rs. 200/- +GST
T Debit Card
1 First Year Free
2 2nd Year & onwards  Rs. 150/- per Card Rs. 200/- per Card
U ATM Transaction
1 Financial Tr. with other Bank Rs. 20/- per transaction
2 Non financial Tr. Other Bank Rs. 15/- per transaction
 
V Inspection of property every three years Rs. 500/- per property
SMS Charges (Quarterly) Actual
Charges for cancellation lien on NSC/IVP/Lic Policy Rs. 100/-+GST per instrument
Mortgage creation charges  other than Housing  Loans Rs. 100/- per Lac or part thereof
Prepayment Charges for Mortgage Loan Rs. 1% of prepaid amount +GST
Commitment charges in CC/MO limit 1% p.a. + GST of un-availed part if average utilization is below 75% in a month.
W Mobile banking activation charges Rs.100/-+GST
X UPI /IMPS Activation charges Rs.100/-+GST
Y DEVIATION CHARGES ON LOAN AND ADVANCE RS. 1000+GST