ANNEXURE I- Schedule of Charges for Basic Banking Services

Amount in Rupees
To collect applicable GST on charges

i-Issue of Cheque Book

Charges
SB CA
Individuals Other than Individuals Other than
PARTICULARS
Individuals Individuals
Branch category Branch category
R U/SU R U/SU R U/SU R U/SU
Free Cheque leaves in a calendar
year 20
Charges after expiry of free leaves
5/- per leaf
R-Rural, U-Semi Urban & SU-Semi Urban

ii -Noting of loss of Cheque leaf/book

Particulars Charges
Noting of loss of cheque leaf/book 5/- Per leaf with minimum of 50/- and maximum of 500/-

iii - Statement of A/C

Particulars Charges
Any account 20/- per statement per account
iv- Issue of duplicate pass book:

Particulars Charges
Per Pass Book with latest Balance 120/-
Per Pass Book with entries of less than 2 years old-per page(40 40/- in addition to 120/-
entries per page)
In case of entries more than 2 years 300/-

v- Stop Payment

SB CA
Particulars Stop Stop Payment Stop Stop Payment
Payment cancellation/Revocation Payment cancellation/Revocation
Charges 100/- per 50/- 200/-per 100/-
instrument instrument

Page 1 of 17
vi-Enquiry relating to old Records

Particulars Charges
Enquiry of old records upto 6 months 100/- per item
Enquiry of old records above 6 months upto 1 200/- per item
year
Enquiry of old records beyond 1 year 300/- per item

vii-Closure of SB & Current Accounts

SB CA
With Cheque Book Without Cheque Book With Cheque Book
Below one Year Above one year Below one Year Above one Below one Above one
from the date of from the date of from the date year from Year from year from the
opening opening of opening the date of the date of date of
opening opening opening
200/- 100/- 100/- 50/- 600/- 300/-
SB A/C No Frill closed before one year 10/-
Closure of deceased depositor ‘s Account-Death claims NO Charges

viii- RD premature closure.

Particulars Charges
RD premature closure within 1 year from date of opening 100/-

ix- Return unpaid instruments

Charges
Particulars
Local-Inward Local-Outward

Returned unpaid for INSUFFICIENT FUNDS(Cheques drawn 200/- per 200/- per
on us)-SB instrument instrument
Returned unpaid for INSUFFICIENT FUNDS(Cheques drawn 250/- per 250/- per
on us)-CA/OD/CC/ODD instrument instrument
Returned unpaid for Other Reasons where customer is at 200/- per 200/- per
fault(Cheques drawn on us) instrument instrument
Local Outward-Returned unpaid due to technical reasons and no fault of customer NO Charges
Return of Outstation Inward Instruments 50% of prescribed collection charges,
with a minimum of 150/-

x-ECS Mandate

Particulars Charges
Mandate Registration one time 250/-
Mandate verification 200/-
Mandate Failure 250/-

Page 2 of 17
xi-Collection of Bills

A-Outward Bills (OBC)

Particulars Charges
Upto and inclusive of 5000/- 50/-
5001 to 10000/- 60/-
10001 to 100000/- 125/-
Above 1 Lakh 250/-
Sent directly to Banks-Public/Private/Co Operative/Other RRBs As per collection charges
Dividend/interest warrants /refund orders -up to Rs.500/- No Charges
Dividend/interest warrants /refund orders -above Rs.500/- As per collection charges
Immediate credit of outstation cheques upto Rs.15000/- As per collection charges
B-LSC
Particulars Charges
Local sites for collection No Charges
Local Bills for collection 30/-
Immediate credit of local cheques upto Rs.15000/- 10/-
C-Inward Bills for Collection
Particulars Charges
Upto and inclusive of 5000/- 50/-
5001 to 10000/- 100/-
10001 to 100000/- 150/-
Above Rs 1 lakh 8/- per thousand with minimum
of 800/- & maximum of 15000/-

xii- Confirmation/Attestation of Specimen Signature

Particulars Charges
Confirmation of specimen signature of customers(including attestation of photo) 200/-

xiii- Demand Drafts-(IBDD & SYBDD)

A-Issue of Demand Drafts

Particulars Charges
Upto and inclusive of 1000/- 30/-
1001 to 10000/- 50/-
10001/- to 100000/- 2.50 per thousand with a minimum of 50/-
100001/- to 1000000/- 2/- per thousand with a minimum of 250/-
Remittance to Prime Minister’s / Chief Minister’s At Par
Relief Funds
B-Cancellation of Demand Drafts
Particulars Charges
Upto and inclusive of 1 lakh 75/-
100001 to 10 lakhs 150/-
above 10 lakhs 600/-
DDs purchased/Presented by Government Departments No Charges
Subsidy Returns No Charges

Page 3 of 17
 C- Revalidation of Demand Drafts
Particulars Charges
Revalidation 200/-
DDs purchased/Presented by Government Departments No Charges
Subsidy Returns No Charges
D-Issue of Duplicate Demand Drafts
Particulars Charges
Issue of duplicate DD 200/-
DDs purchased/Presented by Government Departments No Charges
Subsidy Returns No Charges

xiv-CTS Clearing

Particulars Charges
Inward Returns for the reason INSUFFICIENT FUNDS-upto Rs.10000/- 100/-
Inward Returns for the reason INSUFFICIENT FUNDS-above Rs.10000/- 200/-
Inward Returns for the reason other than INSUFFICIENT FUNDS-upto Rs.10000/- 100/-
Inward Returns for the reason other than INSUFFICIENT FUNDS-above Rs.10000/- 200/-
Outward Returns for any reason irrespective of amount 200/-

xv-Usance Bills

Particulars Charges
Presentation of Usance Bills for acceptance 100/- per Bill
xvi-NRE Accounts

Particulars Charges
Service/collection charges No Charges
Out of Pocket expenses Shall be borne by Branch

xvii-NRO Accounts

Particulars Charges
Service/collection charges As per Normal Charges
Remittance to Prime Minister’s / Chief Minister’s Relief Funds At par

xviii-Term Deposits

Particulars Charges
Remittance of maturity proceeds of a Term Deposit depositor’s At par
own account maintained in another branch of our bank by
DDs/BC in the name of Account Holder
The Remittance of periodical interest payable on Term Deposits At par
through DD to the depositors own account maintained in
another branch of our Bank
Remittance of matured deposit amount to own account of If DD- as per Exchange on
customer with other outstation Banks. Remittances &
If, NEFT/RTGS-applicable rates to
NEFT/RTGS

Page 4 of 17
 Remittance of matured deposit amount to own account of If DD- as per Exchange on
customer with other Banks in same station Remittances &
If, NEFT/RTGS-applicable rates to
NEFT/RTGS
Collection of maturity proceeds of a Term Deposit of another No Charges
bank/branch if the proceeds are invested with collecting
branch in Term Deposit
Remittance of Pre-Maturity proceeds through DD/BC in the If DD- as per Exchange on
name of Account holder Remittances &
If, NEFT/RTGS-applicable rates to
NEFT/RTGS

xic-Dormant Deposits

Particulars Charges
SB 100/- per annum
CA 500/- per annum

xx-Postal Tariff

Particulars Charges
Ordinary Post Actual or 25/- whichevr is higher
Registered Post Actual or 50/- whichevr is higher
Registered post with acknowledgement Actual or 55/- whichevr is higher
Courier Actual or 50/- whichever is higher

xxi-Nithya Nidhi Deposit-Premature Closure

Particulars Charges
Before 12 months Penalty of 3% on the balance outstanding in NN
Deposit Account
Above 12 months upto 24 months Penalty of 1% on the balance outstanding in NN
Deposit Account
Above 24 months No penalty
NND partial /full debit towards repayment of loan No penalty
in own name /creation of Term Deposit

xxii-Others

Particulars Charges Particulars

A Re-claiming of UCD/ DEA Fund 100/-
B Interest paid/collected certificate One certificate per CIF per year free,
then 150/- per certificate
C Balance certificate-SB-CA/OD/CC/ODD etc 100/-
D RD delayed installment credits 1.50 for every 100/- per month of term
of 5 years or less and 2/- for above 5
years
E Annual Maintenance Charges for CA 50/-

Page 5 of 17
ANNEXURE II - Schedule of Charges relating to Services (Other than Basic Banking
Services) such as Collection Charges for Bills, Ledger Folio Charges etc.,
Amount in Rupees
To collect applicable GST on charges

i-Minimum Balances
A-Minimum Balances to Maintain in accounts
Balance to maintain
Particulars SB CA
Without Cheque Book With Cheque Book
Rural Branches 500 1000 2000
Semi Urban Branches 1000 1500 3000
Urban Branches 1000 2000 5000
Staff 5 5 0
Pension/Disabled persons 5 5 0
Students 25 25 0
Other SB 0 0 0
B-Charges for non-maintenance of Minimum Balances to Maintain in accounts
Particulars Charges
SB 100/- based on Average Minimum Balances
CA 200/- based on Average Minimum Balances

ii-Safe Custody
Particulars Charges
Upto Rs. 1 lakh Above Rs. 1 lakh
Un delivered Jewels 100/- per month or part there 200/- per month or part there
of of

iii-Standing Instructions
Particulars Charges
Intra Branch Inter Branch
Standing Instructions for self, RD & Loan A/Cs No Charges 100/- per instruction
Credit to third party account 50/- per instruction 50/- per instruction
Standing Instructions-non execution due to in 75/- 75/-
sufficient funds(only one time in a month)

iv-Ledger Folio Charges

Particulars SB CA
Charges
For accounts maintained on computers entries or part 40 40
thereof be treated as one folio.
Charges for used Folios No Charges 100/- per folio per quarter
with a minimum of 300/-
Ledger Folio Charges are not applicable to the Central & State Government accounts.
Charges should be collected once in a quarter on completed pages only. Part of the page should be
considered as full page.

Page 6 of 17
 To debit these charges on or before last Friday of each quarter or on the date of closure of accounts
whichever is earlier.
v-Issue of Duplicate Deposit Receipt
Particulars Charges
Issue of Duplicate Receipt 100/- per receipt

vi- Addition /Deletion of name, merger of companies

Particulars Charges
Addition/Deletion , merger of companies 100/- per account per instance

vii-Mode of operation
Particulars Charges
Change in mode of operation 100/- per account per instance

viii-Recording reconstitution of accounts

Particulars Charges
Reconstitution particulars recording in accounts 100/- per account per instance

ix-Authorized Signatory
Particulars Charges
Updation/Addition/Deletion of Authorized signatory(other 100/- per account per instance
than individuals)
Self Help Groups are exempted

x-Power of Attorney
Particulars Charges
SB Other Accounts
Registration 100/- 200/-

xi-Tokens
Particulars Charges
Loss of Token 125/- per token

xii-Lockers
A-Locker Security Deposit
Locker Size Rural Branch Semi Urban Branch Urban Branch
Small 10000/- 10000/- 10000/-
Medium 15000/- 15000/- 15000/-
Large 20000/- 20000/- 20000/-
Very Large 25000/- 25000/- 25000/-
B-Locker Rent
Locker Size Rural Branch Semi Urban Urban Branch
Type Measurements Branch
Particulars Charges
Small 5”X7.2”X20.08” 1000/- 1500/- 1500/-
Medium 5”X14.4”X20.08” 2000/- 2500/- 2500/-

Page 7 of 17
 Large 11.12”X14.4”X20.08” 3000/- 3500/- 3500/-
Very Large 12.88X17.36”X20.08” 4500/- 5500/- 5500/-
C-Locker Operations
Particulars Charges
Free visits per year 12
Charge per visit for exceeding free visits 100/-
One time locker registration charges a-Small & Medium size-500/-
b-Large & Very Large size-1000/-
Loss of Locker Key/Break open charges 1000/- + Actual expenditure incurred
*if locker security deposit is not available, an additional amount of Rs.250.00 is to be collected per locker
per year.
* if locker rent is not collected, not to debit from security deposit.
xiii-SB Account- Withdrawals
Particulars Charges
Withdrawals excluding ATM withdrawals allowed 50
at no cost per calendar half-year
Charges per entry in excess of limit 10/- per withdrawal
Debit entries in SB accounts NO Limit
Staff/Ex Staff are exempted

xiv-Current Account- Withdrawals

Particulars Charges
Number of cash withdrawals allowed at NO cost NO Limit

xv-Nomination Facility
Particulars Charges
First time Registration No Charges
Addition/Deletion/Modification 100/- per instance

xvi-Joint Accounts
Particulars Charges
Addition/Deletion of names in Joint Accounts 100/- per instance

xvii-Copy of paid cheque

Particulars Charges
Copy of paid Cheque 100/- per cheque

Page 8 of 17
ANNEXURE III - Tariff structure for CBS Services
Amount in Rupees
To collect applicable GST on charges

i-Cash Handling Charges-CA/OD

Particulars Charges
Up to Rs.1.00 Lakh per day per A/c No Charges
Above Rs.1.00 Lakh 1/- per thousand with a minimum of 100/- per day per
Account
Staff, PKCC, SHG, PMJDY, BC Settlement A/C & NND Agent A/C are exempted

ii-Small denomination Notes-below 100

Particulars Charges
Upto 500 pieces per day per customer No Charges
Above 500 pieces per day above 10/- per 100 pieces or part there of

iii-NEFT

Particulars Charges
Up to 1 Lakh 5/-
Above 1 Lakh and up to 2 Lakhs 15/-
Above 2 Lakhs 25/-

iv-RTGS

Particulars Charges
Rs. 2 to 5 lakhs 25/-
Above 5 Lakhs 50/-

v-IMPS

Particulars Charges
Upto Rs.2000/- NO Charges
Above Rs.2000/- 5/- per transaction

Page 9 of 17
vi-ATM Cards

A-Cards Issue & Maintenance

Particulars Charges
New Duplicate Renewal Annual Fee Repin
Rupay Normal EMV-Instant 0 100 100 100 50
Rupay Normal EMV-Personalized 250 250 250 100 50
Rupay Platinum-Instant 250 250 250 200 50
Rupay Platinum-Personolized 250 250 250 200 50
PMJDY & KCC Rupay Cards No Charges
B-Transactions
Particulars Charges
ATM Financial Transactions (Cash Deposit, Cash Withdrawal, Transfer etc.) Free 5 per month
Transaction in APGB ATMs
ATM Financial Transactions (Cash Deposit, Cash Withdrawal, Transfer etc.) Free 3 per month
Transaction in other Bank ATMs
Exceeding above Free Transactions 20/- per transaction
ATM Non-Financial Transactions (Balance Enquiry, Mini Statement, Pin Change 5 per month
etc.) free transactions in APGB ATMs
ATM Non-Financial Transactions (Balance Enquiry, Mini Statement, Pin Change 3 per month
etc. ) free transactions in other bank ATMs
Exceeding above Free Transactions 10/- per transaction

vii-SMS

Particulars Charges
SMS charges 15/- per account per quarter

viii-Internet Banking

Particulars Charges
Internet Banking password reset through Branch 100/- per instance

ix-CIF transfer

Particulars Charges
CIF transfer-Inter Bank 100/-

x-Aadhar Enrolment & Updation

Particulars Charges
Biometric update with or without demographic 100/-(Including GST)
Only demographic 50/-(Including GST)
Colour Print of Aadhar 30/-(Including GST)
Black & White print of Aadhar 12/-(Including GST)

Page 10 of 17
 ANNEXURE IV - Service Charges related to Loans & Advances
(i) Retail lending schemes:
Products
Housing (All Variants) including
Housing CRE and for PMAY loans
above the respective slabs of
LIG/MIG.
Pragathi Vehicle loan
( 4 wheeler)
Pragathi Vehicle loan
(2 wheeler)
Personal Banking Scheme loan
Pragathi Multi Purpose
Mortgage Loan
Rent Plus (Individuals)
(ii) MSME: (Including MUDRA accounts)
Products
Pragathi MSME OD –Working
Capital
Pragathi MSME Term loan
Pragathi Doctor Plus
Amount in Rupees
To collect applicable GST on charges
(A) Processing charges (B) Documentation charges
0.50% of the sanctioned loan with a
Minimum of Rs.2500/- and maximum of Nil
Rs.15000/-
0.25% of the sanctioned loan with a
Minimum of Rs.1000 /- and Maximum of Nil
Rs.5000/-
Minimum Rs.250 and Maximum of
Nil
Rs.1000/-
1% of the sanctioned loan with a
Nil
Minimum of Rs.1000/-
Upto Rs.25000/- Nil
1% of the sanctioned loan with a Above Rs.25000/-:
Minimum of Rs.5000/- Rs.200/- per lakh or part thereof
with a minimum of Rs.200/-
Upto Rs.25000/- Nil
1% of the sanctioned loan with a Above Rs.25000/-:
Minimum of Rs.5000/- Rs.200/- per lakh or part thereof
with a minimum of Rs.200/-
(A) Processing charges (B) Documentation charges
Upto Rs.25000-Nil
Above Rs.25000 -Rs.10.00 lakhs:
Upto Rs.25000- Nil
0.25% per lakhs or part thereof with a
Rs.200/- per lakh or part thereof
minimum of Rs.500/-
with a minimum of Rs.200/-
Above Rs.10.00 lakhs- Rs.400/- per lakh or
part thereof
Upto Rs.2.00 lakhs-0.50% of the loan with
a minimum of Rs.500/- Upto Rs.25000- Nil
Above Rs.2.00 lakhs-Rs.10.00 lakhs: 1% of Rs.200/- per lakh or part thereof
the loan with a minimum of Rs.2000/- with a minimum of Rs.200/-
Above Rs.10.00 lakhs: 1.25% of the loan.
Upto Rs.25000- Nil
0.50% of the loan amount Rs.200/- per lakh or part thereof
with a minimum of Rs.200/-
Page 11 of 17
 (iii) Agriculture:
Products (A) Processing charges (B) Documentation charges
Pragathi Kisan Credit Card Upto Rs.25000- Nil
Upto Rs.25000-Nil
(KCC) Above Rs.25000/- :
Above Rs.25000: 1% of the Sanctioned
Rs.100/- per lakh or part thereof with a
loan
minimum of Rs.200/-
Agriculture Term Loans Upto Rs.25000- Nil Upto Rs.25000- Nil
Above Rs.25000-1% of the Sanctioned Above Rs.25000/- :
loan Rs.200/- per lakh
Self Help Groups Upto Rs.25000: Nil
Upto Rs.25000: Nil
(SHGs)/SHE (In case of SHGs where the total number
Fresh & Renewals of members exceeds 10, then the
(In case of SHGs where the total number
branches should ensure that the loan
of members exceeds 10, then the
limit shall be applicable per member of
branches should ensure that the loan limit
SHG upto Rs.25,000/- and not to the
shall be applicable per member of SHG
whole group as a whole)
upto Rs.25,000/- and not to the whole
Above Rs.2.50 lakhs:
group as a whole)
Both Farm and Non Farm sectors:
Above Rs.2.50 lakhs:
Rs.100/- per lakhs or part thereof with a
0.50% of the loan/limit sanctioned
minimum of Rs.100/-

(iv) Gold Loans:

Products Processing Charges
Pragathi Kisan Swarna Scheme 0.5% of the limit with a minimum of Rs.250/-
Pragathi General Gold loan
Pragathi Vyapara Swarna 0.50% of the loan with a maximum ofRs.250/-per Lakh and part thereof and
Pragathi Swarna Sprint Maximum of Rs.5000/-
Pragathi Bullet Gold loan
Swarna Credit Card

(v) Other Non-Priority sector loans:

Products (A) Processing charges (B) Documentation charges

(Includes term loans like
Pragathi Commercial
Complex loans, Pragathi
Commercial Real Estate
loans, Rent plus (Non-
individuals)) and Non Priority
Working Capital loans
Working capital:
Upto Rs.2.00 lakhs: 0.35% of the sanctioned
limit with a minimum of Rs.500/-
>Rs.2.00 lakhs-Rs.10.00 lakhs: 0.50% of the Rs.200/- per lakh or part thereof
sanctioned limit with a minimum of Rs.1000/- with a minimum of Rs.200/-
>Rs.10.00 lakhs: 1.00% of the sanctioned limit
with a minimum of Rs.10000/- (Also applicable for Personal
Term loans: Banking scheme loans, Pragathi
Upto Rs.2.00 lakhs- 0.50% of the loan Senior , Pragathi Pensioner loans)
sanctioned with a minimum of Rs.500/-
Rs.2.00 lakhs-Rs.10.00 lakhs-1.25% of the
sanctioned loan

Page 12 of 17
 >Rs.10.00 lakhs: 1.00% of the sanctioned limit
with a minimum of Rs.10000/-
(vi) Inspection charges:
Products Charges

Upto Rs.25000/- : Nil

Agri Term loans, Pragathi MSME
loans(Including MUDRA accounts),
Housing loans (All variants),
Pragathi Vehicle loans ( Both 2 & 4
Wheelers), Pragathi Multi Purpose
Mortgage loans, Pragathi Rent Plus
(Individuals) and other Non-
Priority loans (Includes term loans
like Pragathi Commercial Complex
loans, Pragathi Commercial Real
Estate loans, Rent plus (Non-
individuals)) and Non Priority
Working Capital loans
Above Rs.25000/- & up to Rs.50000 /--
Rs. 100/- per visit subject to a maximum of Rs 400/- per borrowal a/c per
annum
Above Rs.50000 / - & up to Rs.2.00 Lakh
Rs. 200/- per visit subject to a maximum of Rs. 800/- per
borrowal a/c per annum
Above Rs.2.00 Lakh to Rs.10 lakh
Rs. 250/- per visit subject to a maximum of Rs. 1000/- per borrowal a/c per
annum.
Above Rs.10.00 Lakh
Rs. 500/- per visit subject to a maximum of Rs. 2000/- per borrowal a/c per
annum
Upto Rs.25000/-: Nil
Above 25000-1.00lakhs-
Rs.250 per visit subject to a maximum of Rs.500 per year

Pragathi Kisan Credit Card (KCC) Rs.1.00 lakhs- Rs.3.00 lakhs;

Rs.400 per visit subject to a maximum of Rs.800 per year

Above Rs.3.00Lakh to Rs.5 lakh:

Rs.500 subject to a maximum of Rs.1000 per year

Above Rs.5.00 lakhs-

Rs.1000 subject to a maximum of Rs.2000 per year
For KCC, Inspection charges should be debited half yearly (Twice in a year)
Upto Rs.2.50 lakhs -Nil
(In case of SHGs where the total number of members exceeds 10, then the
branches should ensure that the loan limit shall be applicable per member of
SHG up to Rs.25,000/- and not to the group as a whole).
Self Help Groups (SHGs)
Above Rs.2.50 Lakh to Rs.10 lakh
Rs. 250/- per visit subject to a maximum of Rs. 1000/- per borrowal a/c per
annum.

Above Rs.10.00 Lakh

Rs. 500/- per visit subject to a maximum of Rs. 2000/- per borrowal a/c per
annum

Page 13 of 17
(vii) Mortgage Charges: (Other than Agriculture)

Charges
Particulars
Upto Rs.10.00 lakhs- Rs.2000/-
Mortgage charges >Rs.10.00 lakhs-Rs.100 per lakh with a minimum of Rs.2000/- and
maximum of Rs.5000/-
(viii) Solvency Certificate issuance:

Charges
Particulars
Upto Rs.1.00 lakhs- Rs.1000
Above Rs.1.00 lakhs- Rs.10.00 lakhs-Rs.3000
Solvency Certificate Above Rs.10.00 lakhs- Rs.25.00 lakhs- Rs.4500
Above Rs.25.00- lakhs-Rs.50.00 lakhs- Rs.6000
Above Rs.50.00 lakhs- Rs.12000

(ix) Folio charges

Rs150/- folio per quarter with a minimum of 300/- for

OD/CC/ODH
O.D./C.C./O.D.H account

Upto Rs. 2.50 lakhs Nil (In case of SHGs where the total number
of members exceeds 10, then the branches should ensure that
the loan limit shall be applicable per member of SHG up to
Rs.25,000/- and not to the group as a whole).
For Self Help Groups OD A/cs
Above Rs. 2.50 lakhs :

Rs. 100/- per folio per annum.

For accounts maintained on computers, 40 entries or part thereof be treated as one folio.

Folio Charges are not applicable to Savings Bank Accounts, loan Accounts other than ODH, Cash Credits and staff
advances.
Ledger Folio Charges are not applicable to the Central & State Government accounts with the branch
These Charges should be collected once in a quarter on completed pages only. Part of the page should be considered
as full page. Branches are advised to debit these charges on or before last Friday of each quarter or on the date of
closure of accounts whichever is earlier.

Page 14 of 17
(x) Other Charges:

To be collected in case of gold loans closed within 1 month from

the date of sanction/disbursement beyond which charges are
(A)Gold loan handling charges -to be collected
applicable as under
in case of gold loans closed within 1 month
from the date of sanction/disbursement.
1) Upto Rs.1.00 lakh : Rs.100/-

2) Above Rs.1.00 lakh : Rs. 200/-

For both Agriculture and non-Agriculture @.0.3% on sanctioned
(B)Jewel Appraiser fee limit subject to a minimum of Rs..25/- and maximum of Rs.500/-
.
(C)Term loan annual review charges: No annual review charges
(D) Commitment Charges
Commitment charges shall be levied @ 1% per annum on the committed line of credit and unutilized/unavailed
sanctioned working capital limits or short term limit for working capital purposes and also Term loans in respect of
corporate borrowers with sanctioned limits (FB,NFB or combination including Term Loans) of Rs.100 lakhs and above
from Bank.
Norm for applicability of commitment charges
1-If average level of utilization of the working capital limit is less than 60% of the limit sanctioned in an annum.
2-If the unutilized portion of the term loan is 60 % of the sanctioned loan.
For KCC loans, Inspection charges should be debited to the loan accounts once in Half year Or on the day of closure
of loan account whichever is earlier.

(E) Commission on Bank Guarantees & Solvency certificates

Performance Guarantee
(i) Financial & Performance -300/- + 3.6% p.a. or part thereof (ii)
Cash Margin-300/- + 25% of 3.6% (0.9%) per annum

Other than performance Guarantee

(i) Financial & Performance -300/- + 3.6% p.a. or part thereof (ii)
Cash Margin-300/- + 25% of 3.6% (0.9%) per annum

Guarantee against 100% cash payment as

deposit/margin (i) Financial & Performance -300/- + 3.6% p.a. or part thereof (ii)
Cash Margin-300/- + 25% of 3.6% (0.9%) per annum

Full commission should be collected as per the above rates if the cash deposit is only a part of the security offered.

Guarantee commission should be collected in advance at the time of issuing guarantee for the full liability and
claim period.
Guarantee commission has to be collected for a minimum period of one year even if the guarantee period is less
than one year and insteps of quarters for guarantees of above one year. A part of the quarter is to be treated as
full quarter.

Page 15 of 17
The commission should be collected as above for the extended period of validity of the guarantee treating it as a
fresh guarantee.
(F) Insurance Charges
(G) No due certificate for non-customers of our
Bank
(H) Auction of Jewels
Service charges
Paper Publication
Postage
(I) Credit Information Report charges
Credit Information Report-Consumer
Credit Information Report-Commercial
(J) Valuation done by Branch Official
Charges for assisting valuer by officer/manager
(K) Loss of Gold Loan slip
(L) One time charges for extending finer
rate/Concessions
(M) Modification of Sanction terms
(Terms accepted by the Borrower at the time of
sanction)
(N) Revalidation of sanction
(O) Capability certificate charges
(P) No due certificate
Non customers-Government schemes
Non customers-non-Government schemes
(Q) Obtaining of EC(Annual/Bi annual) charges
(R) Upfront fee for premature closure of loan
by takeover/transfer of liability by other banks
Actual
Rs.100/-
Rs.300
Actual charges on proportionate basis irrespective of the loan
amount
Actual charges on proportionate basis irrespective of the loan
amount
100/- per report
1200/- per report
0.20% of loan amount with Min of 500 & Max of 1000
200
50
For loans above Rs.10.00 lakhs –Flat Rs.5000
Upto Rs.1.00 crore-Rs.5000/-
Above Rs.1.00 crores- Rs.10000/-
50% of the applicable processing chares for WC limits and 30%
of the upfront fee for Term loans.
As applicable to Solvency certificate
NA
100
Rs.300/-
The Bank has stipulated pre-payment penalty for pre-closure of
Term Loans (Both priority and non-priority) and loans under
various Retail Lending Schemes of the Bank as under:
a. Prepayment penalty may be imposed on the outstanding
liability wherever the borrower makes request for transfer of his
loan account to other banks/ FIs.
b. Such pre-payment penalty may be decided by Head office
from time to time. For the present, the same has been stipulated
at 2%.
c. For pre-closure of MSME loan/limit by the borrower not
involving the transfer of accounts to other banks / FIs, no penalty
need be levied if the sanctioned loan is less than or equal to
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Rs.50.00 lakhs.( Code of Bank’s Commitment to Micro and Small
Enterprises, 2015).

d. If MSME loan/limit above Rs.50.00 lakhs is fore closed out of

the own funds of the borrower (not involving the takeover), pre
closure/Pre-Payment charges are applicable.

For part payment in all categories (except wherever not

applicable), if the O/s balance of the loan is reduced by above
40% before 2 months of the closure of the account, 2% penalty
is applicable on the amount partly paid.

f. The Prepayment penalty shall be treated as other income and

accounted under commission head.

g. Prepayment charges shall be levied on all Housing Loan

accounts prematurely closed by borrowers by availing finance
from other banks/FIs and also closed out of the own funds of the
borrower.

h. Branches shall also mention the condition of charging

foreclosure charges / prepayment penalties @2% in the terms
and conditions in the sanction letter to be issued to the
borrowers against their acknowledgement and place them in the
customer Individual file for verification to avoid any
complications in this regard.

Page 17 of 17