ROI Service Charges
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Deposits
ROI for Domestic Savings, NRE Savings & Term Deposits: (W.E.F. 22nd Nov 2023)
Savings Deposits (Domestic, NRE & others) 2.50 % p.a. NRE Term Deposits above 12 months to 18 months 5.50% p.a. NRE Term Deposits above 18 months to 36 months 6.00% p.a. NRE Term Deposits above 36 months - below 60 months 6.25% p.a. Note :
Interest Rate applicable for Term Deposits upto Rs 100 lakh, effective from 01-Nov-2025 will be as under.
Tenure For General For Senior Citizen 7 to 14 Days 3.00% 3.50% 15 to 45 Days 3.00% 3.50% 46 days to 90 days 4.00% 4.50% 91 days to 179 days 4.50% 5.00% 180 days to 250 days 5.00% 5.50% 251 Days Special - MMDS 5.50% 6.00% 252 Days to 1 years 5.50% 6.00% Above 1 year to 18 Months 6.65% 7.15% Above 18 months to less than 3 years 6.50% 7.00% 3 years to less than 5 years 6.50% 7.00% 5 years to 10 years 6.50% 7.00% Tax Savings Scheme Monthly and Qyaterly Interest Payout (5 year Lock-in) 6.00% 6.50% Tax Savings Scheme - Cumulative Interest (5 year Lock-in) 6.00% 6.50% *The above rates will be applicable to Recurring Deposits also but tenor will be from 1 year to 10 years.
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Retail Loan
Retail Loan : Click here to know more about.
Note :
1 Charges on actual basis means all charges( with applicable GST
2 For all above loans Terms and Conditions applied as per Book Let./Scheme Document
3 Salary Tie-up : Salary directly credited with our Bank under confirmation from employe
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Special Retail Loan
SR. NO PRODUCT NAME ROI MARGIN SHARE LINKAGE PROCESSING FEES (EXCLUDING GST) DOCUMENTATION CHARGES GUARANTOR/S NOMINAL MEMBERSHIP FEES 1 Personal Loan Kalyan Vishesh Vaiyaktik Karja For salaried individuals along with guarantor -11.40 % p.a. 15 % of agreement cost / construction cost Rs. 1,000/- Loan up to Rs.1 lakh - Rs. 500/ - of loan amount On actual basis One guarantor Rs. 100/ - per guarantor For others -11.90% p.a. Above Rs.1 lakh - 0.50% of loan amount 2 Loan for Idol Makers Loan for Idol Makers / Ganpati Murtikar 10 % p.a. NIL Rs. 1,000/- NIL (1) On actual basis + CERSAI charges One guarantor Rs.100/ - per guarantor (2) For hypothecation : Rs.300/- per instrument (3) For mortgage : Rs. 500/- per property up to 4 properties and Rs. 100/- for each property thereafter 3 Kalyan Gramin Gruh Nirman Max. Rs.15.00 lakhs for purchase of flat 0.40% of loan amount (Minimum Rs.1000/-) . 9.00 % p.a. 10 % Rs. 1,000/- On actual basis One guarantor Rs.100/ - per guarantor 15 years Rs.25.00 lakhs for construction of house / bunglow 4 Kalyan Gramin Udyog Yojana Max. loan amt. Rs.15.00 lakhs 0.40% of loan amount (Minimum Rs.1000/-) 9.00% 10% Rs.1000/- (1) On actual basis One guarantor Rs.100/ - per guarantor 10 years 5 Kalyan Gramin Suvidha Yojana Max. loan amt. Rs.10.00 lakhs 0.40% of loan amount (Minimum Rs.1000/-) 9.00% 20% Rs. 1,000/- (1) On actual basis One guarantor Rs.100/ - per guarantor 10 Years 6 Covid 19 Emergency Loan For Salary Earners Covid 19 Emergency Loan For Salary Earners In case of Housing / Morgtage loan - 8.50 % p.a. In case of Housing / Morgtage loan - Margin should be 10% Rs. 1,000/- NIL (1) On actual basis + CERSAI charges One guarantor Rs.100/ - per guarantor In case of Personal loan - 8.50 % p.a. In case of Personal loan - NIL (2) For hypothecation : Rs.300/- per instrument (3) For mortgage : Rs. 500/- per property up to 4 properties and Rs. 100/- for each property thereafter -
Commercial Loan
SR. NO PRODUCT NAME ROI MARGIN SHARE LINKAGE PROCESSING FEES (EXCLUDING GST) DOCUMENTATION CHARGES GUARANTOR/S NOMINAL MEMBERSHIP FEES 1 Cash Credit / Overdraft Facility CC / CDOD Facility Based on credit risk rating (A) For Cash Credit Facility : 2.50 % Rs. 25 lakh whichever is less As per size of advance but not more than 1% of exposure (1) Stamp duty on documents to be executed: ₹ 100/- per document (as per prevailing stamp duty act, subject to change as per govt. Notification).
(2) Stamp duty on hypothecation deed: 0.1% of the loan amount up to ₹ 5 lakh & otherwise 0.2% of loan amount.
(3) Stamp duty on mortgage document: 0.1% of the loan limit if limit is up to ₹ 5 lakh, otherwise, 0.2% of loan limit.
(4) Mortgage charge – as applicable.
(5) Professional fees / charges of advocate for search report and title clearance report- on actual basis.Two guarantor Rs. 100/ - per guarantor 30 % of stock and 40 % of receivables, supported by collateral security in the form of property or LIC Policy / Ntional Security Certificate etc. as per bank's policy. (B) For Overdraft Facility : 40% to 50% on value of property 2 Term Loan (Mortgage & Hypothecation) Term Loan Based on credit risk rating Minimum 20% of agreement value or market value of property whichever is less 2.50 % Rs. 25 lakh whichever is less As per size of advance but not more than 1% of exposure (1) Stamp duty on documents to be executed: ₹ 100/- per document (as per prevailing stamp duty act, subject to change as per govt. Notification).
(2) Stamp duty on hypothecation deed: 0.1% of the loan amount up to ₹ 5 lakh & otherwise 0.2% of loan amount.
(3) Stamp duty on mortgage document: 0.1% of the loan limit if limit is up to ₹ 5 lakh, otherwise, 0.2% of loan limit.
(4) Mortgage charge – as applicable.
(5) Professional fees / charges of advocate for search report and title clearance report- on actual basis.Two guarantor Rs. 100/ - per guarantor 25 % of cost of assets to be acquired or maximum up to 50 % of property 3 Lease Rent Discounting Loan Lease Rent Discounting Loan 9.00 % to 11.50 % p.a. 5% to 10% on rent receivable (excluding tax & TDS) Rs. 1,000/- 0.50 % of loan amount (Minimum Rs. 1 lakh, Maximum Rs. 3 lakh) (1) On actual basis + CERSAI charges One guarantor Rs. 100/ - per guarantor (2) For hypothecation : Rs.300/- per instrument (3) For mortgage : Rs. 500/- per property up to 4 properties and Rs. 100/- for each property thereafter 4 Commercial Real Eastate Loan Lease Rent Discounting Loan 9.00 % to 11.50 % p.a. 50% Rs. 1,000/- 1% of sanctioned limit (1) On actual basis + CERSAI charges Two guarantor Rs. 100/ - per guarantor (2) For hypothecation : Rs.300/- per instrument (3) For mortgage : Rs. 500/- per property up to 4 properties and Rs. 100/- for each property thereafter Note : (1) If prepaid from own sources, 1.00% of the prepaid amount in loan account. (2) Where credit facilities are shifted to or are taken over by another Bank, 2% on sanctioned limit in case of Cash Credit / Overdraft facility 5 SME Loan SME Loan Based on credit risk rating Minimum 20% of agreement value or market value of property whichever is less 2.50 % Rs. 25 lakh whichever is less As per size of advance but not more than 1% of exposure (1) Stamp duty on documents to be executed: ₹ 100/- per document (as per prevailing stamp duty act, subject to change as per govt. Notification).
(2) Stamp duty on hypothecation deed: 0.1% of the loan amount up to ₹ 5 lakh & otherwise 0.2% of loan amount.
(3) Stamp duty on mortgage document: 0.1% of the loan limit if limit is up to ₹ 5 lakh, otherwise, 0.2% of loan limit.
(4) Mortgage charge: as applicable.
(5) Professional fees / charges of advocate for search report and title clearance report- on actual basis.Two guarantor Rs. 100/ - per guarantor Maximum up to 50 % of property
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Deposits
Particulars Revision in charges w.e.f. 01.01.2022
(Charges mentioned below are excluding GST)A Ledger Folio Charges : I Current Account - (If Average balance is Below Rs. 5,00,000/-) ₹ 100/- per Ledger Folio or fraction thereof per quarter (40 entries constitute one L.F.) Minimum ₹ 100/- II Cash Credit Account (if Annual utilization of limit is below 85%) B Duplicate Passbook ₹ 100/- per ledger page (40 entries) C Account Statement : I Account Statement ₹ 100/- per L.F. of previous entries (One L.F. contains 40 entries) E-statement is free for registered customers D Stop payment instructions / withdrawal thereof/ Cancellation of ECS: I For all type of accounts ₹ 150/- per cheque (subject to maximum ₹ 1,000/-) E Cheque/ECS Return Charges (Inward/Outward/Counter Return Charges): I Up to 5.00 lakh ₹ 250/- per instrument II Above Rs. 5.00 lakh ₹ 400/- per instrument Note: No charges should be levied if stop payment cheque is returned F Closing account/s within one year from account/s opening I Savings Account ₹ 600/- II Current Account ₹ 1000/- Exempts if Bank discontinues relationship / death of account holder G Chequebook facility: 1) I Savings Account 30 cheque leaves free in a calendar year II ₹ 3/- per cheque thereafter II No charges for accounts of Co-operative Societies 2) I Current Account: ₹ 3/- per cheque H Changes in operational instructions / addition/ deletion / substitution of names: I Savings Account Free II Current Account ₹ 100/- per occasion I Minimum Balance Charges (From April 2024): I 2% per month in proportionate to shortfall observed in previous month's actual average balance. -
Advances
Revision of Service Charges of Advances w.e.f. 01/04/2025 Particulars Revision in Service Charges w.e.f. 01/04/2025 A Processing fees - applicable to Schematic lending products : (1) Personal Loan - Kalyan Suvidha I Term loan Up to Rs. 25000/- under priority sector – NIL Other than above: @1.00% of Loan Amount - Min. Rs. 1,000/- II Overdraft facility Up to Rs. 25000/- under priority sector - NIL Other than above: @1.00% of Loan Amount - Min. Rs. 1,000/- (2) I Housing Loan - Kalyan Vastu Loan up to Rs. 80.00 Lakh - @0.50% of Loan Amount
Min. Rs. 1,000/- Maximum Rs. 25,000/-Above Rs. 80.00 Lakh - @1.00% of Loan Amount
Maximum Rs. 50,000/-(3) I Auto Finance - Kalyan Vahan Four Wheeler 0.50% of Loan Amount Min. Rs. 1,000/- Two Wheeler 1.00% of Loan Amount Min. Rs. 1,000/- (4) I Education Loan - Kalyan Saraswati 0.50% of Loan Amount Min. Rs. 1,000/- (As per Education Loan scheme max. loan amount Rs.50.00 Lakh) (5) Mortgage Loan I Loan Against Property - Kalyan Vastu Vikas Term loan Up to Rs. 80.00 Lakh - 0.50% of Loan Amount -Min. Rs. 1,000/- Above Rs. 80.00 Lakh -1.00% of Loan Amount Overdraft Up to Rs. 80.00 Lakh -0.50% of Loan Amount -Min. Rs. 1,000/- Above Rs. 80.00 Lakh -1.00% of Loan Amount II Property Purchase Loan - Kalyan Sankalp Siddhi Up to Rs. 80.00 Lakh -0.50% of Loan Amount -Min. Rs. 1,000/- Above Rs. 80.00 Lakh - 1.00% of Loan Amount (6) Professional Loan for Doctors - Kalyan Sushrut Yojana Up to Rs. 80.00 Lakh -0.50% of Loan Amount- Min. Rs. 1,000/- Above Rs. 80.00 Lakh - 1.00% of Loan Amount (7) Travel Loan - Kalyan Paryatan 1.00% of Loan Amount - Minimum Rs. 1,000/- (8) Loan Against Term Deposits I Term Loan ------------NIL------------ II Overdraft ------------NIL------------ (9) Loan Against Paper Securities I Term loan Up to Rs. 25000/- under priority sector - NIL Above: 0.50% of Loan Amount Min. Rs. 500/- II Overdraft Loan up to Rs. 25000/- under priority sector - NIL Other than above : 0.50% of Loan Amount Min. Rs. 500/- (10) Gold Loan I In case of Bullet Repayment (Only Interest payment per month) Loan up to Rs. 25000/- under priority sector - NIL Other than above : 0.50% of Loan Amount Min. Rs. 500/- II In case of Regular Repayment (Principle + Interest payment per month) Loan up to Rs. 25000/- under priority sector - NIL Other than above : 0.50% of Loan Amount Min. Rs. 500/- (11) Top-up Loans I Housing Loan (Kalyan Vastu) Up to Rs. 80.00 Lakh - 0.50% of Loan Amount
Min. Rs. 1000/-
Above Rs. 80.00 Lakh - 1.00% of Loan AmountII Loan Against Property (Kalyan Vastu Vikas) III New Property Purchase Loan (Kalyan Sankalp Siddhi) (12) Vishesh Vaiyaktik Karja (SPLLN) I Term Loan Up to Rs. 25000/- under priority sector – NIL Other than above : 1.00% of Loan Amount – Min. Rs. 1,000/- (13) Kalyan Gramin Scheme (KGGN, KGSY, KGUY) I Term Loan @1.00% of Loan Amount - Minimum Rs. 1,000/- (14) Rent Discounting Loan I Term Loan Up to Rs. 80.00 Lakh -0.50% of Loan Amount- Min. Rs. 1,000/-
Above Rs. 80.00 Lakh - 1.00% of Loan Amount(15) Ganpati Murtikar / Idol Maker I Term Loan Loan amount up to Rs. 1.00 Lakh - NIL Loan amount above Rs. 1.00 lakh - Rs. 1,000/- (16) Kalyan Dhanvantari I Term Loan Up to Rs. 80.00 Lakh -0.50% of Loan Amount- Min. Rs. 1,000/- II Overdraft Limit Above Rs. 80.00 Lakh - @1.00% of Loan Amount (17) Personal Overdraft to Chartered Accountants Overdraft @1.00% of Loan Amount - Minimum Rs. 1,000/- (18) Kalyan Vahan - Light Commercial Loan I Term Loan 0.50% of Loan Amount - Minimum Rs. 1,000/- (19) Kalyan Pensinoers Personal Loan I Term Loan 0.50% of Loan Amount - Minimum Rs. 1,000/- (20) Kalyan Go Green - Electrical Vehicle I Four Wheeler NIL II Two Wheeler 1.00% of Loan Amount - Minimum Rs. 1,000/- (21) Kalyan Saur Urja I Term Loan Up to Rs. 80.00 Lakh -0.50% of Loan Amount-Min. Rs. 1,000/-
Above Rs. 80.00 Lakh - 1.00% of Loan Amount(22) Kalyan Vahan - Heavy Commercial Loan I Term Loan Up to Rs. 80.00 Lakh -0.50% of Loan Amount-Min. Rs. 1,000/-
Above Rs. 80.00 Lakh - 1.00% of Loan Amount(23) Kalyan Udyog Mantra (For Purchase of Machinery) I Term Loan Up to Rs. 80.00 Lakh -0.50% of Loan Amount-Min. Rs. 1,000/-
Above Rs. 80.00 Lakh - @1.00% of Loan Amount(24) Kalyan Women Empowerment I Term Loan Rs. 500/- B Processing fees - for other than Schematic Lending's: (1) New/ Fresh Limits : Funded Non-funded I Upto ₹ 300 lakh 1.00% 0.50% II Above ₹ 300 lakh upto ₹ 500 lakh 1.00% 0.50% III Above ₹ 500 lakh 1.00% 0.50% (2) Renewal of Limits: Funded Non-funded I Upto ₹ 300 lakh 0.25% 0.20% II Above ₹ 300 lakh upto ₹ 500 lakh 0.20% 0.15% III Above ₹ 500 lakh 0.15% 0.10% Note:
1. Recover Login Charges at the time receiving loan file.
2. Recover 25% of applicable Process Fees OR Rs.25,000/-, whichever is lower, at the time of handing over In-principal Sanction Letter to Borrower.C Periodic Inspection of units in case of working capital limits against stock / receivables : (1) I For limits upto ₹ 5 Lakh ₹ 500/- per visit II Above ₹ 5 Lakh and upto ₹ 15 Lakh ₹ 1,000/- per visit III Above ₹ 15 Lakh and upto ₹ 50 Lakh ₹ 1,500/- per visit IV Above ₹ 50 Lakh ₹ 2,000/- per visit (+) Add : Transportation charges if any, on actual basis Note: It should be recovered immediately after visit. D Notice charges : (1) I Overdue loan notice / reminder charges ₹ 500/- per Notice II Final notice (Before Legal action) ₹ 1,000/- plus postage or courier charges on actual basis Note: In case of NPA A/cs Charges to be collected at the time of recovery E Documentation charges : (1) A Mortgage Charges - For Schematic Retail Loans Creation/Extension of Equitable/ Registered Mortgage I Loan up to Rs. 35.00 Lakh ₹ 2,500/- II Loan above Rs. 35.00 lakh up to Rs. 80.00 Lakh ₹ 4,500/- III Loan above Rs. 80.00 Lakh ₹ 6,000/- B Mortgage Charges (Otner than Schematic) Creation/Extension of Equitable/ Registered Mortgage I Credit Limit upto Rs. 50.00 lakh ₹ 3,000/- II Credit limit above Rs. 50.00 Lakh up to Rs. 100.00 lakh ₹ 7,500/- III Credit Limit above Rs. 100.00 lakh ₹ 15,000/- C Release of mortgage : I Registered Mortgage Release - ₹1,500/- II Equitable Mortgage Release - No charges during 1st month of closure of a/c. however, if title deeds are not collected within a month of closure of a/c, charges may be levied @ ₹ 1,000/- p.m. for per property document (On closure of a/c Branch should send letter to the borrower to collect documents within 1 month.) Other charges i.e. franking, stamp duty & NOI are at actual basis Note: Relaxation power delegated to Executive Committee (Credit) (2) CERSAI Registration Charges A Hypothecation of stock, book debts, machinery, vehicles etc. I Loan amount up to Rs.5.00 Lakh - Rs.100/- per instrument II Loan amount above Rs.5.00 Lakh - Rs. 1,000/- for first instrument and Rs. 200/- for additional each instrument B Mortgage of immovable Property I Loan amount up to Rs.5.00 Lakh - Rs.100/- per property II Loan amount above Rs.5.00 Lakh - Rs. 1,000/- for first property and Rs. 200/- for additional each property C Satisfaction of hypothecation / mortgage charge Rs. 500/- (3) CIBIL Charges Retail / Individual Cibil Rs. 100/- per Cibil Commercial Cibil Rs. 3,000/- per Cibil (4) NESL Charges for Existing FTP method of upload A For Company, LLP First Year Fee Per Loan/Debt record Annual Renewal Fee per Loan/Debt record (from 2nd year onwards) I 1ST Loan / Debt Record ₹ 500/- ₹ 450/- per annum II 2nd to 10th Loan/Debt Record ₹ 200/- ₹ 200/- per annum III 11th Loan/Debt record onwards ₹ 100/- ₹ 100/- per annum B Other type of business - Partnership Firm / Proprietorship / Sahakar / Samiti / HUF / Trust / AOP / Club/ Society First Year Fee Per Loan/Debt record Annual Renewal Fee per Loan/Debt record (from 2nd year onwards) I 1ST Loan / Debt Record ₹ 300/- ₹ 250/- per annum II 2nd Loan/Debt record onwards ₹ 100/- ₹ 100/- per annum C For Individuals (as a one-time charge) I Secured Loan Rs. 100/- per loan as a one-time charges II Unsecured Loan Rs. 100/- per loan as a one-time charges F Commitment Charges (For under-utilization of Cash Credit limit) (1) If the average utilization of a working capital limit is less than 70%, commitment charges shall be levied @ 2.00% p.a. of sanction limit for under-utilized portion on quarterly basis G Gold Loans: (Safe Custody Charges) (1) Safe custody charges for gold ornaments not collected after closure of loan a/c are ₹ 500/- p.m. or part thereof after 7 days from the date of closure of loan a/c H NSC / Govt. securities loan : (1) Service charges for noting charge on certificates and or releasing charges
a) For Loan amount upto Rs.5.00 Lakh Rs. 500/-plus out of pocket expenses on actual basis per account.
b) For Loan amount above Rs.5.00 Lakh Rs. 1,000/-plus out of pocket expenses on actual basis per account.
(Should be done exclusively by permanent employee of Bank)I Prepayment of credit facilities: If credit facilities are prepaid before due date by borrowers
(other than individual borrower/s carrying floating interest rate)(1) I Own Source From Own Source:
1.00 % on Sanctioned limit in case of cash credit / overdraft facility & on Prepaid amount in case of Term LoanFor loan above ₹ 37 lakh 1.00 % on Sanctioned limit in case of cash credit / overdraft facility & on Prepaid amount in case of Term Loan. II Taken over by Another Bank From taken over by another Bank :
4.00 % on Sanctioned limit in case of cash credit / overdraft facility & on Prepaid amount in case of Term Loan.J Any Change in other sanction terms : (1) 0.10% of the limit subject to Min. ₹ 1000/- & Max. ₹ 25,000/- K Commission on Bank Guarantee : (1) Opened by our Bank: I Fully Secured by 100% Cash Margin (Term Deposit) @0.50% p.a. on BG Amount - Min Rs.1,000/ Per Bank Guarantee II Other cases @2.00% p.a. Note: In respect of BGs issued against 100% cash margin / FDs no separate typing / handling charges to be recovered. In respect of all other BGs, however, charges of ₹ 500/- per BG instrument should be recovered separately when typing job is carried out by Bank / Branch. (2) Opened through the other Banks: Other Bank charges + our charges as above L Opening of Letter of Credit : (1) Opened by our Bank: I Fully secured by term deposit 1% p.a. on LC Amount II Other cases 2% p.a. on LC Amount Out-of-pocket expenses on postage / telegram / telex / fax / cab etc., to be recovered separately. (2) Opened through the other Banks : Other Bank charges + our charges as above M Amendment Charges : (1) Amendment Charges ₹ 500/- Note: If the amendment is in respect of the amount or period of L/C appropriate additional charge on the amount so increased or the extension of usuance period shall also be recovered. N Solvency Certificate : (1) Any purpose (except Education purpose) ₹ 10/- per thousand Min ₹ 1000/- & Maximum ₹ 10000/- (2) Education purpose ₹ 200/- per copy minimum ₹ 1000/- irrespective of amount of certificate. O Sale of Form (1) Sale of Loan Application Form Rs. 50/- Note: All System generated Charges will be applied to accounts on Quarterly basis -
Instruments & Remittances
Particulars Revision in charges w.e.f. 01.01.2022
(Charges mentioned below are excluding GST)A Issue of Pay-order / Demand Draft / Cheque on banks 1 Up to and including ₹ 10,000/- ₹ 30/- 2 ₹ 10,001 to ₹ 1,00,000/- ₹ 2/- per ₹ 1,000/- or part thereof, minimum ₹ 30/- 3 Above ₹ 1,00,000/- ₹ 350/- B Issue of Duplicate Demand Draft / Pay-order/ Term Deposit Receipt / Cheque on banks ₹ 100/- C Cancellation of Demand Draft / Pay-order / Cheque on banks ₹ 100/- D Revalidation of Demand Draft / Pay-order / Cheque on banks ₹ 50/- (Revalidation is permitted only 2 times) E Closure of Fixed/Savings/Current A/cs & Remittance of balance by Pay order / DD NIL F Remittance by Electronic Device 1 Inward RTGS / NEFT / IMPS / Internet Banking NIL 2 Outward RTGS For ₹ 2 lakh to less than ₹ 5 lakh ₹ 25/- per transaction For ₹ 5 lakh and above ₹ 50/- per transaction 3 Outward NEFT / IMPS / Internet Banking Upto ₹ 10,000/- ₹ 2.50 per transaction Above ₹ 10,000 upto ₹ 1 lakh ₹ 5/- per transaction Above ₹ 1 lakh upto ₹ 2 lakh ₹ 15/- per transaction Above ₹ 2 lakh ₹ 25/- per transaction G Collection of Bills/Cheques 1 Up to and including ₹ 5,000/- ₹ 25/- (applicable only in case of savings account) 2 Above ₹ 5,000/- and up to and including ₹ 10,000/- ₹ 50/- 3 Above ₹ 10,000 and up to & including ₹ 1,00,000/- ₹ 100/- per instrument 4 Above ₹ 1,00,000/- ₹ 150/- per instrument 5 Purchase of cheques presented in Mumbai Clearing ₹ 2/- for every ₹ 1,000/- or part thereof 6 Immediate withdrawal against salary cheque ₹ 25/-per instrument. 7 Handling charges for cheques/bills returned unpaid 50% of above charges Minimum ₹ 100/- (including postage/courier ₹ 30/-) H Outstation Collection of cheque by Electronic Device (Speed Clearing) 1 Up to ₹ 1,00,000/- ₹ 75/- per instrument 2 Above ₹ 1,00,000/- ₹ 150/- per instrument I Online E Tax Charges 1 Tax Amount upto ₹ 1,000/- ₹ 40/- per transaction 2 Tax Amount above ₹ 1,001/- to ₹ 50,000/- ₹ 75/- per transaction 3 Tax Amount above ₹ 50,001/- ₹ 150/- per transaction J Foreign Inward/ Outward Remittance Charges 1 Upto ₹ 2 lakh ₹ 500/- per transaction 2 Above ₹ 2 lakh to ₹ 5 lakh ₹ 750/- per transaction 3 Above ₹ 5 lakh to ₹ 10 lakh ₹ 1000/- per transaction 4 Above ₹ 10 lakh ₹ 1500/- per transaction -
Safe Deposit Lockers
Particulars Revision in charges w.e.f. 01.01.2022
(Charges mentioned below are excluding GST)A One time Locker registration Charges: 1 For Small lockers ₹ 1000/- 2 For Medium lockers ₹ 1,500/- 3 Large lockers ₹ 2,000/- B Locker Rent : 1 Godrej / Steelage A type plus ₹ 1,600/- p.a. (Guardwell A Type + Methodex A Type) 2 Godrej / Steelage B type ₹ 1,800/- p.a. 3 Godrej / Steelage C type plus (2A Type Methodex) ₹ 2,700/- p.a. 4 Godrej / Steelage D type ₹ 3,000/- p.a. 5 Godrej / Steelage E type ₹ 3,200/- p.a. 6 Godrej / Steelage F type plus (4A & 4A1 Methodex) ₹ 3300/- p.a. 7 Godrej H1 & Guardwel 2B 1 type ₹ 3,900/- p.a. 8 Godrej / Steelage 2DG type ₹ 4,300/- p.a. 9 Godrej / Steelage 4BH type ₹ 5,500/- p.a. 10 Godrej H & Guardwel 4B ₹ 7,000/- p.a. Note : Locker rent recovered yearly and year shall be considedred Financial year C Penalty for delay in payment of rent / renewal on expiry of hiring period 1 For Type A to D ₹ 100/- per month or part thereof. 2 For Type E upwards. ₹ 200/- per month or part thereof D Breaking open of the locker When the hirer loses the key and requests for breaking open, suitable service charges should be recovered, which should cover charges to be paid to manufacturer / vendor for breaking open lockers / repairing / replacing it Plus handling charges Suitable service charges + Vendors Charge + ₹ 1000/- -
Shares
Particulars Revision in charges w.e.f. 01.01.2022
(Charges mentioned below are excluding GST)A Share Application Form ₹ 50/- B Entrance Fees for regular member ₹ 100/- (As per Bye Laws) C Entrance fees for nominal member ₹ 100/- (As per Bye Laws) (For borrower / Surety in loan against Gold/ Govt. Securities/ LIC policies / Consumer durables) D Issue of Duplicate I - Card ₹ 100/- E Change of Nomination* ₹ 25/- per instance F Name addition (Individual / Firm)* ₹ 50/- G Issue of Duplicate Share certificate* ₹ 100/- H Transfer of shares: * ₹ 100/- (As per Bye Laws) I Transmission of shares* ------------NIL------------ *In deceased cases where Registered Nominee should be member of the Bank J Copy of Bye-Laws ₹ 500/- only to members(Free on website) -
Miscellaneous
Particulars Revision in charges w.e.f. 01.01.2022
(Charges mentioned below are excluding GST)A Enquiries relating to old entries (i) Upto one month NIL (ii) Above one month and upto one year ₹ 50/- per entry. (iii) Above one year and upto two years ₹ 100/- per entry. (iv) Above two years and upto three years ₹ 150/- per entry. (v) Above three years ₹ 200/- per entry. B Copy of the old record in the form of Voucher document, etc.:[ As per NI Act ] (i) Within a year ₹ 100/- (per voucher / document) (ii) After one year ₹ 200/- (per voucher / document) C Certificate of all types (Excluding Balance certificate / TDS certificate / Income Tax purpose certificate): (i) For General peoples ₹100/- (ii) For Senior Citizen ------------NIL------------ D Standing Instructions (i) Transaction involving transfer to another account (other than R/D installments, FD interest and loan instalment) within same branch or to the account in another branch. Free to self A/c. In other cases free up to ₹10000/- ; otherwise ₹ 25/- per transaction. (ii) S.I. failure on a/c of insufficient funds. ₹ 50/- per instance E ECS / NACH Mandate & Signature Verification ₹ 100/- per instance F Photo attestation (as per bank record) ₹ 100/- per instance G Address confirmation ₹100/- per request. H Cash Handling Charges (For SB / CD / CC / CDOD / Loan / TDR Accounts) w.e.f 1st December 2022 (i) Depositing 200 pieces of notes (Irrespective of denominations) per day NO CHARGES (ii) Charges for depositing per bundle of 100 pieces of notes or part thereof for denomination ₹100 and below beyond 200 pieces per day ₹40/- for denomination of ₹100 and below (iii) Charges for depositing per bundle of 100 pieces of notes or part thereof for denomination ₹200 and above beyond 200 pieces per day ₹20/- for denomination of ₹200 & above (iv) Charges for depositing denomination of ₹200 and above who are maintaining average balance of ₹5 lakh and above No charges (v) Charges for depositing Coins - per packet of 100 coins or part thereof, if coins exceed 10 coins per day ₹30/- Cash Handling Charges are exempted if average balance for preceding quarter in current account in Rs. 5.00 lakh and above. I Deposit of Soiled or Imperfect Notes (i) Up to 20 pieces or ₹ 5000/- per day ------------NIL------------ (ii) Above 20 pieces or ₹ 5000/- per day ₹ 2/- per piece Up to ₹ 50/- notes
₹ 5/- per piece Above ₹ 50/- notesJ SMS Charges
W.e.f. 1st Oct. 2024₹ 0.18 /- per SMS, maximum ₹ 500 for all SB, CA, OD accounts (to be recovered on quarterly basis.) K RuPay Debit cum - ATM Card (i) For Classic Card ₹ 150/- p.a. (W.e.f. 01.08.2022) after initial year of issuance (ii) For Platinum Card ₹ 150/- p.a. (W.e.f. 01.08.2022) after initial year of issuance Charges on ATM transactions (w.e.f. 01.05.2025) (iii)Other Bank ATM Metro Location up to 3 transactions per month (Financial/Non-financial) ------------NIL------------ Metro Location above 3 transactions per month (Financial/Non-financial) ₹ 23/- per transaction Non-Metro Location up to 5 transactions per month (Financial/Non-financial) ------------NIL------------ Non-Metro Location above 5 transactions per month (Financial/Non-financial) ₹ 23/- per transaction (v) Transaction decline due to ‘insufficient balance’ ₹ 20/- plus GST per declined transaction (vi) Card replacement fee ₹ 100/- per instance (vii) Green PIN ------------NIL------------ (viii) Regenerating PIN mailer fee ₹ 50/- per instance (ix) Hot listing instance in case of loss of ATM card ------------NIL------------ Card Limits & Charges
Card Variant ATM Withdrawal PoS Transactions E-com Transactions RuPay Classic Up to ₹ 25,000 Up to ₹ 1,00,000/- Up to ₹ 1,00,000/- RuPay Platinum Up to ₹ 50,000/- Up to ₹ 1,50,000/- Up to ₹ 1,50,000/- Note : Above mentioned figures are daily limits for cards transaction.
