Service Charges

Service Charges – General Banking

S.No	Details of Service provided by the Bank	Service Charges Applicable
1	Loss of Gold Loan Slip	Rs.100/- + GST
2	CHEQUE COLLECTION CHARGES
A	Outstation Cheques deposited Returned unpaid	Outstation: Rs.260/- + GST
B	OUTSTATION CHEQUE COLLECTION CHARGES
	Upto Rs.10,000/- Rs.10000/- to Rs.99999/- Rs.100000/- and above	Upto 5000/- : Rs.30/- + GST >5000/- upto 10,000 : Rs.60/- +GST >10000 upto 1 lac : Rs.100/- + GST >1 lac upto 5 lacs : Rs.200/- + GST > 5 lacs : Rs.250/- + GST (Incl of post & out of pocket exp) all segments
	Postal charges on outstation Cheques	Nil (Not to be charged as per RBI instructions)
	Cheques relating to Subsidy/ MMoney	Nil
C	LOCAL CHEQUES
I	Local Cheques : Collection charges	Nil
II	Local Cheques returned unpaid	Rs.160/- per instrument + GST
	for technical reasons–Charges	(Not to be charged where customer is not at fault as per RBI guidelines)
III	Local Cheques returned unpaid for insufficient balance - Charges	Rs.500/- +GST (irrespective of amount)
3	BC/DD Issue charges	Upto 5000/- : Rs.25/- + GST 5001/- to 10000/- : Rs.50/- + GST > 10001/- to 1 lac : Rs.5/- + GST per Rs.1000/- (Min Rs.60/- + GST ) > 1 lac : Rs.4/- + GST per Rs.1000/- (Min.600/- + GST / Max 2000/- + GST) (No additional cash handling charges)
4	If Cheques are issued through a/c of Govt dept.	NIL
5	Cancellation / Revalidation of BC/ DD	Rs.200/- + GST (per instance)
6	Issue of duplicate BC/DD/TDR/STDR	Rs.200/- + GST (per instance)
7	Issue of duplicate pass book with present balance	Rs.120/- + GST
8	Issue of statement of a/c	First page : Free Next :: Rs.100/- + GST per page
9	Balance certificate for all segments – per instance	Rs.160/- + GST
10	A/c closure within 12 months (Transfer of a/c is exempted)	Rs.160/- + GST Individuals (Excluding Basic & Small accounts under Financial Inclusion) Rs.600/- + GST Other than individuals (excluding Govt.Accounts)
11	Stop payment cheque	SB a/cs Rs.60/- + GST per instrument CA/CC a/cs Rs.110/-+ GST per instrument
12	Penalty for late payment of RD Installments	Rs.1/- per 100/- per month.
13	Inoperative accounts (SB/CA)	Nil if minimum balance maintained Otherwise Rs 100/- + GST per annum If the Amount is less than Rs 100/- + GST account should be closed.
14	SB and CA cheque book issue charges	CTS/MICR/Non MICR - SB & CA: Rs.3.50 + GST per leaf (For SB- First 20 leaves free)
15	Postal Charges	Ordinary : Actuals (Min Rs.25/- + GST) Regd/Speed/Courier: Actuals (Min Rs.60/- + GST)
16	Charges for non-maintenance of minimum balance	Non maintenance of Quartely Average Minimun Balance (QAB) (Except BSBD A/cs)
A	SB -Rural (Quartely average. Balance – Rs.500/-)	Rural : NIL
B	SB – Semi Urban (Quartely Average Balance -Rs.1000/-)	Semi-Urban : NIL
C	SB–Urban (Quartely Average balance - Rs.1500)	Urban : NIL
D	CA – Rural(Monthly Average Balance –Rs.2500)	Rs.220/- + GST per quarter
E	CA-Semi-Urban & Urban(Monthly Average Balance - Rs.5000)	Rs.220/- + GST per quarter
17	Annual service Charges –SB & CA a/c (excluding Inop a/cs)	Rs.85/- + GST (including inoperative accounts) NIL (for Staff,PMJDY & BSBD Accounts) If the Balance is less than above charges,available amount may be levied
18	Standing Instructions	Rs.60/- + GST per instruction
19	Addition / Deletion of names in deposit a/cs	Rs.100/- + GST per occasion
20	Record copy of cheque / enquiry relating to old records(>12months old)	Rs.160/- + GST per instrument
21	Interest Certificate	Rs.150/-+GST per certificate
22	TDR/STDR pertaining to our customers received from other Banks for payment Collection of other Bank’sdeposits for own constituents If above funds are invested in term deposits with us for one year & above period	Proceeds should be paid through NEFT/RTGS/DD/BC - Charges as applicable to NEFT/RTGS/DD/BC Applicable to cheques -NIL- (Except out of pocket expenses)
23	NEFT (National Electronic Funds Transfer)	Outward Remittances: Upto 10000 : Rs.2/- + GST > 10000 upto 1 lac : Rs.5/- + GST > 1 lac upto 2 lacs : Rs.15/- + GST Above 2 lacs : Rs.25/- + GST
24	RTGS (Real Time Gross Settlement)	Amnt Slab - Charges 2 lacs – 5 lacs : Rs.20/- + GST Above 5 lacs : Rs.40/- + GST
25	Debit Card replacement charges	Rs.300/- + GST
26	Duplicate PIN / Regeneration of PIN through Branch	Rs.60/- + GST
27	ATM CHARGES
	Own/SBI/OtherATM Charges (exceeding 5 permissible limit-Financial&Non-Financial)	Savings Bank a/c Financial: a)Per Transaction : Rs.22/- +GST b)Transaction declined -insufficient balance per transaction : Rs.22/- +GST Non-financial Transactions : Rs.6/- +GST CA/KCC from 1st Transaction itself : Rs.22/- +GST
	ATM Card/Kit returned by courier due to wrong address	Rs.100/- +GST
25	National Automated Clearing House (NACH) Mandate including E-mandae)	One time Mandate Authorization per Mandate Rs.50/- +GST Failed Mandate:Rs.250/- +GST
26	DISCOUNT/PURCHASE OF CHEQUES	[email protected]/- +collection charges+ GST and postage charges. In case cheques return unpaid, interest @15.50% p.a. and after adjusting the amount collected @Rs.0.50per Rs.100/- +GST
27	ISSUE OF SOLVENCY CERTIFICATES	Upto Rs.1 lakh: Rs.750/- +GST >Rs.1 lac& upto Rs.25la:Rs.3000/- +GST >Rs.25 lac&upto Rs.50 lac: Rs.6000/- +GST >Rs.50 lac: Rs.11020/- +GST
28	ISSUE OF BANK GUARANTEES
	Commission for BGs issued where margin is less than 100% (*BG minimum period is one month)	Upto Rs.5Crores : 2.75%p.a +GST >Rs.5Cr & upto Rs.10Cr : 2.25%p.a. + GST >Rs.10Cr : 1.75%p.a. +GST Min. Rs.280/- and com. To be collected quarter or part there of.
	For BGs issued with 100% margin	Rs.280/- + 25% of applicable charges + GST
29	Charges for late payment of EMIs	For all advances (excepting HLs/Education Loans upto Rs.25000/-) penal interest at 2% is to be charged on entire loan o/s for the period of default + GST
30	Equitable Mortgage Charges	Upto 1 lakh : -NIL – Above 1 lakh : Rs.200/- per lakh,with a max. of Rs11200/- +GST
31	Gold Loans	Demand Loans Proc. Charges : Rs.4.00 per Rs.1000/- Min.Rs.100/-,Max.Rs1000/- +GST Appraiser Charges : Rs.3.50 per Rs.1000/- Min.Rs.100/-, Max.Rs.400/- +GST OverDraft Proc.charges : Rs.6.00 per Rs1000/- Min.Rs100/-, MaxRs1000/- +GST Appraiser charges : Rs.3.00 per Rs.1000/- Min.Rs.50/-, Max.Rs500/- +GST

Inspection & Processing Charges on Loans & Advances

Processing Charges on Loans & Advances
Loans Segment	Processing Charges
KCC (Crop loans)	Up to Rs 25000/- : Nil Above Rs 25000/- & upto Rs 2 lakhs : Rs 500/- + GST Above Rs 2 lakhs : 0.30% of loan amount + GST
Loans to Self Help Groups Up to Rs 2,00,000/- : Above Rs 2,00,000/- :	Up to Rs.50,000/- : Nil Above Rs.50,000/- : 0.5 % of limit sanctioned + GST
Housing Loans & Car Loans	0.50% with minimum of Rs.3000/- and a cap of Rs 10000/- + GST
PLAEM	1.00% with minimum of Rs.3000/- and a cap of Rs 10000/- +GST
Education Loans	Rs 5000/- to be collected at the time of delivering sanction letter to the student/guardian + GST Rs 1000/- to be appropriated towards processing charges + GST Rs 4000/- to be adjusted towards margin at the time of release of loan + GST If the loan is not availed for any reason Rs 4000/- to be refunded + GST
Gold loans	Rs 4.00 per 1000/-, Min Rs 100/- & Max Rs 1000/- + GST
All other Loans	Up to Rs 25000/- : Nil Above Rs 25000/- : 1.10 % of limit sanctioned + GST
Notes: No processing charges are applicable to DLs/Cash key against TDRs and loans sanctioned to weaker sections under Govt sponsored schemes. No processing charges to be recovered on loans against own deposits, NSCs, KVPs, IVPs etc. The processing charges are to be recovered at the time of initial processing as well as at each renewal. Where account could not be renewed in time, processing charges to be recovered for continuing the limit.

INSPECTION CHARGES
Loan Limit	For PER segment & SHG	For all Loans & Advances (other than PER segment & SHG
Up to 25000	NIL	NIL
Above 25000 up to 2 lacs	Rs.250/- p.a. + GST	Rs.500/- p.a. + GST
Above 2 lac up to 10 lacs	Rs.600/- p.a. + GST	Rs.500/- per lac + GST
Above 10 lacs	Min.Rs.150/- per visit + GST	Rs.500/- per lac + GST

SMS

Charges for SMS alert: Rs.20/- + GST per quarter.

Safety Lockers

Locker Rent	Small	Rural	Rs.920 + GST
		Semi Urban	Rs.920 + GST
		Urban	Rs.1320 + GST
	Medium	Rural	Rs.2000 + GST
		Semi Urban	Rs.2000 + GST
		Urban	Rs.3000+ GST
	Medium	Rural	Rs.5000 + GST
		Semi Urban	Rs.5000 + GST
		Urban	Rs.6000 + GST
Locker operations	Up to 12 visits / Year	Free
	13th Visit onwards	Rs.150/- per visit +GST
	Locker rent overdue charges
		1st Qtr 10% of Annual Rent + GST
		2nd Qtr 25% of Annual Rent +GST
		If rent is not paid for more than two quarters, Locker is to be break open.
	One time registration for lockers	Rs.550/- + GST
Locker Break Open Charges	Rs.1500/-+GST (In addition to actual expenditure incurred for break open the locker and changing the lock by manufacturers of lockers will also be charged)