ANNEXURE-1
(Revision of Service Charges in 69 parameters)
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Sr No. |
Particulars |
Existing Service Charges |
Revised Service Charges |
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A. Retail Credit |
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1 |
Housing Loan – Documentation Charge |
₹1,350/- flat |
₹25 Lakh: ₹2,000/-,
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2 |
Processing Charges Housing Loan – Takeover of Loan |
₹ 2,500/- |
0.50% of loan amount. Min ₹2,500 ; Max ₹20,000/- |
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3 |
Top-Up Home Loan (Term Loan) – Processing Fee |
Min ₹ 2,500/-, Max ₹20,000 + GST
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Min ₹2500/-, Max ₹35,000 + GST
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* Documentation charges of Rs.1350/- for Housing loan to continue till Festival Bonanza period i.e. upto 31.12.2026 * Processing charges waiver to continue till 31.12.2026. |
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4 |
Earnest Money Deposit Charge |
₹100/- per application |
₹500/- per application |
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5 |
Vehicle Loan – Two-Wheeler – Processing Fee |
0.50% of loan amount. Min ₹500/- ; Max ₹2,000/- |
0.50% of loan amount Min ₹500/- ; Max ₹5000/- |
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6 |
Education Loan (Domestic, other than overseas) – Processing Fee |
NIL |
Upto ₹20 Lakh: Nil (Except Staff/Exstaff, PM Vidyalaxmi scheme and AAA/ AA category colleges) |
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7 |
Gold Loan – Safekeeping Charges (post-tenure/post-closure) |
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B. Agriculture Credit |
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8 |
Upfront Fee (Fresh Term Loans) / Processing Fee (Renewal/Review) |
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9 |
Documentation Charges (Fund Based/Non-Fund Based, by exposure) |
₹ 15,000/- |
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C. Credit (Corporate/Other, ex-Retail & Agri) |
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10 |
Inland LC – Opening Charges (per LC) |
Opening charges: 1.00% p.a. (charges for the period of liability from the date of opening of credit to the last date of opening of Credit to the last date of its validity @0.25% for every period of 3 months or part thereof with minimum of ₹500/-) Usance: 2.00% p.a. (For the usance period of complete month or part thereof. In case of sight bills/usance for less than 1 month, minimum 1-month charges @0.1675%, minimum ₹1000/) |
Opening: 1.20% p.a. (charges for the period of liability from the date of opening of credit to the last date of opening of Credit to the last date of its validity @ 0.30% for every period of 3 months or part thereof with minimum of ₹500/-) Usance: 2.00% p.a. (For the usance period of complete month or part thereof. In case of sight bills/usance for less than 1 month, minimum 1-month charges @0.1675%, minimum ₹1000/) |
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11 |
Term Loan – Annual Review Charges |
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12 |
Documentation Charges (Fund Based/Non-Fund Based, by exposure) |
CONSORTIUM ADVANCES: Documentation charges shall be applicable in line with Consortium. DOCUMENTATION CHARGES ON ADHOC: At par of normal documentation charges |
CONSORTIUM ADVANCES: Documentation charges shall be applicable in line with Consortium. DOCUMENTATION CHARGES ON ADHOC: At par of normal documentation charges |
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13 |
TEV (Techno-Economic Viability) Study Charges |
TEV Study charges: The charges of the Consultants shall have to be borne by the concerned borrower and the loan applicant should be clearly informed of the same. Moreover, the payment to the Consultant should be made by the Bank directly and TEV study should be conducted at the instance of the Bank and not at the request of the borrower.
The fee structure as approved by the Bank’s Board payable to the consultant is as under:
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TEV Study charges: The charges of the Consultants shall have to be borne by the concerned borrower and the loan applicant should be clearly informed of the same. Moreover, the payment to the Consultant should be made by the Bank directly and TEV study should be conducted at the instance of the Bank and not at the request of the borrower. The fee structure as approved by the Bank’s Board payable to the consultant is as under:
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14 |
Purchase/Discount of Bills/Cheques/Drafts (Outstation & Local) |
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15 |
Amendment/Modification of Accepted Sanction Terms |
0.02% of loan amount, Min ₹1,000/Max ₹5 lakh |
0.02% of loan amount, Min ₹5,000/Max ₹10 lakh |
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16 |
Revalidation of Sanction |
50% of applicable Process Fee, Max ₹2.5 lakh |
50% of applicable Process Fee, Max ₹10 lakh |
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17 |
Issuance of NOC (Ceding Charge / Other Purpose) |
0.05% of limit, Min ₹2,000/-Max ₹50,000/- |
0.05% of limit, Min ₹5,000/-Max ₹500,000/- |
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18 |
Issuance of Solvency Certificate |
0.10% of certificate amount, Min ₹1,000/-Max ₹25,000/- |
0.10% of certificate amount, Min ₹1,000/-Max ₹50,000/- |
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19 |
Providing Credit Information/Opinion (on request) |
₹1,000 per occasion |
Individual ₹1,000/occasion. Non-individual ₹1,500/occasion. |
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20 |
Registration of Power of Attorney |
₹100 (individual) / ₹150/- (non-individual) per occasion |
₹200/- per occasion individual/ ₹500/- per occasion (non-individual) |
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21 |
CERSAI Charges (Creation/Modification of Security Interest) |
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22 |
Mortgage Charges (by limit) |
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D. Forex |
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23 |
Export LC – Amendment Charges |
₹500/- (own customer) / ₹1,000 (other bank customer) per amendment |
₹1000/amendment for own customers; ₹2,000/amendment for non-customers |
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24 |
Import LC – Opening (Sight/Usance) |
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25 |
Commission on Import Bills – Under LC |
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26 |
Commission on Import Bills – Not Under LC |
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27 |
Inward Remittance Commission (NRE/NRO, non-export) |
NRE/NRO a/c with CBI: NIL. Else ₹150 flat, any amount. |
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28 |
Bill Purchased/ /Discounted/ Negotiated/ Collection/ Consignment Exports/ Advance payment Basis (including export to Warehouse, Merchanting Trade, Deemed Export, Service or Software Export, Regular Export etc. |
For BL/AWB/PP/PR per bill lodgement: ₹1,000 per bill lodgement (per BL/AWB/PP/PR) irrespective of Bill amount.
₹250/- per BL/AWB/PP/PR - 100% advance received (IRM/FIRC value date should not be later than the BL/AWB/PP/PR and shipping bill date) irrespective of Bill amount. For courier receipt/e-commerce: ₹250 per Bill/Invoice for ecommerce & Courier receipt bills irrespective of Bill amount. Including e-BRC Charges Note: The above rates shall be applicable for maximum upto 5 Shipping Bills. For Over and above 5 shipping Bills, ₹ 500/- per Shipping Bill will be charged in addition to above charges. |
For BL/AWB/PP/PR per Bill lodgement - (a) ₹ 1000/- Per Bill Lodgement (Per BL/AWB/PP/PR) for bill amount upto ₹50.00 Lakh (b)₹ 1500/- Per Bill Lodgement (Per BL/AWB/PP/PR) for bill amount of above ₹50.00 Lakh
₹ 250/- Per BL/AWB/PP/PR - 100% Advance Received (IRM/FIRC Value Date Should not be later than the BL/AWB/PP/PR and Shipping Bill date) irrespective of bill amount. For Courier Receipt / e-commerce: ₹ 250/- per Bill/Invoice for e-commerce & Courier Receipt bills irrespective of bill amount.
*Including e-BRC charges NOTE: The above rates shall be applicable for maximum up to 5 Shipping Bills. For over and above 5 shipping bills, ₹ 500/- per shipping bill will be charged in addition to above charges |
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E. General Banking |
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29 |
AMB Non-Maintenance Charge – Current Account |
Quarterly, by branch category: Rural/Semi-Urban ₹200/-, Urban/Metro ₹600/- (Regular); Premium variants (Silver/Gold/Diamond/ Vyavsaay) ₹100–600 |
Standard Rate for General Current Account Rural/Semi-Urban ₹500/quarter. Urban/Metro ₹1000/quarter for
Premium product as per circular |
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30 |
Ledger Folio / Account Maintenance Charges (beyond free entries) |
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31 |
Cheque Book Issuance – Savings Account (beyond free limit) |
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20 free leaves/FY for regular SB; Premium Scheme as per master circular |
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32 |
Cheque Book Issuance – Current Account (beyond free limit) |
Same per-leaf rates as SB (₹3–5/leaf); free leaves 60/100/150/200 by branch category (Cent Premium), variant-specific free limits for Silver/Gold/Diamond/ Vyavsaay |
Same per-leaf rates as SB (₹5/leaf), Variant-specific free limits for Silver/Gold/Diamond/Vyavsaay |
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33 |
Standing Instruction – Registration (Intra-bank / Inter-bank) |
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34 |
Stop Payment Instructions – Savings Account |
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35 |
Stop Payment Instructions – Current Account/CC/OD |
₹200/- per instrument; ₹600 for a range of 3+ cheques |
₹250/instrument. ₹700/- for a range of cheques (up to 3+ cheques) |
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36 |
Cancellation/Revocation of Stop Payment Instructions |
SB: ₹20/- per instrument, Max ₹200 per instruction. CA/CC/OD: no separate revocation rate stated on the current page. |
₹100/instrument. ₹500/- for a range of cheques (up to 10). ₹1000/occasion ABOVE 10 |
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37 |
Account Closure Charges – Savings Account |
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38 |
Account Closure Charges – Current Account |
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39 |
Registration of Power of Attorney – Individual (General Banking) |
₹500/- (all customers) |
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40 |
Change of Authorized Signatory / Reconstitution |
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41 |
Issuance of Demand Draft |
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42 |
DD Cancellation / Revalidation / Duplicate Issuance |
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43 |
Cheque/Bill Return Charges – Inward, Insufficient Funds |
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44 |
Cheque/Bill Return Charges – Outward |
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45 |
Collection of Outstation Cheques/Drafts |
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46 |
Collection of Local/Outstation Bills |
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a) upto ₹10,000: ₹125 + Out of Pocket expenses. >₹10,000: ₹10/1000 + Out of Pocket expenses. Min ₹125/Max ₹20,000/-. |
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47 |
Cash Handling Charges – Deposit, Savings Account (beyond free limit) |
Also 5 free txns/month, then ₹25/txn (non-digital channels). |
Min.₹25; Max ₹10,000/-. Also 5 free txns/month, then ₹25/txn (non-digital channels). |
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48 |
Cash Handling Charges – Deposit, Current Account/CC/OD (beyond free limit) |
(aggregate same-day deposits) |
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49 |
Cash Handling Charges – Denomination-wise (Currency & Coins) |
Free up to 1,000 pieces. Above: ₹10/100 pieces, Max ₹10,000/- |
Free up to 1,000 pieces. Above: ₹10/100 pieces, Max ₹20,000/- |
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50 |
Cash Handling Charges – Withdrawal, Savings Account (beyond free limit) |
Free: Max 5 withdrawals/month. Beyond: ₹2/1000, Min ₹25 |
First 5 branch cash withdrawals/month free; thereafter ₹50/transaction, digital /ATM transactions excluded |
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51 |
Locker – Registration/Allotment Charges (one-time) |
Rural/Semi-Urban: ₹300/-. Urban/Metro: ₹500/- |
Rural/Semi-Urban: ₹400/-. Urban/Metro: ₹600/- |
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52 |
Safe Custody Charges (sealed cover/box) |
Folio opening: ₹150/-. Scrip: ₹25/scrip p.a., Min ₹100/-. Sealed cover: ₹500/cover p.a. Sealed box: ₹3,000/box p.a. (up to 30x30x30cm), ₹400/cubic ft. above, Min ₹3,500 |
Folio opening: ₹250/-. Scrip: ₹25/scrip p.a., Min ₹250/-. Sealed cover: ₹1000/cover p.a. Sealed box: ₹5,000/box p.a. (up to 30x30x30cm), ₹500/cubic ft. above, Min ₹5,000/- |
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53 |
Old Record Enquiry Charges |
Up to 1 year: ₹100/reference + OPE. Beyond 1 year: ₹300/reference/request/document/sheet + OPE |
Up to 1 year: ₹200/reference + Out of Pocket expenses. Beyond 1-year upto 3 years: ₹500/reference/request/document/sheet + Out of Pocket expenses. >3 years: ₹1000 per reference + Out of Pocket expenses. |
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54 |
Attestation / Certificate Charges |
₹100/- (individual) / ₹150/- (non-individual) per occasion |
₹200/- (individual) / ₹500/- (non-individual) per occasion |
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55 |
Copy of Cheque/Draft (paid by bank) |
₹100/- per instrument (attested copy) |
₹250/- per instrument; additional copies at ₹100/- each |
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F. Digital Banking |
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56 |
IMPS – Branch/Digital Channel (Mobile/Internet Banking) |
Digital:
Branch:
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Digital:
Branch:
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57 |
NACH/ECS – Mandate Registration Charges |
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58 |
NACH/ECS – Return/Failure Charges |
₹100 per return (insufficient funds) |
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59 |
ATM – Own Bank, Beyond Free Transaction Limit |
5 free/month (financial+ non-financial). Beyond: Financial ₹15, Non-financial ₹5 |
Align to RBI ceiling: 5 free/month; thereafter Financial ₹23 + GST, Non-financial ₹10 + GST (own ATM) |
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60 |
ATM – Other Bank, Beyond Free Transaction Limit |
3 free transactions/month in six metros and 5 elsewhere. Beyond free limit: Financial ₹21; Non-financial ₹10. |
3 free in six metros / 5 elsewhere; thereafter Financial ₹23 + GST, Non-financial ₹10 + GST |
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G. Business Correspondent (BC Point) |
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61 |
Cash Withdrawal via BC – On-us (FI, beyond free limit) |
On-us FI/BC withdrawal: 6 free/month across all modes; thereafter ₹10 + GST each. |
On-us FI/BC withdrawal: 6 free/month across all modes; thereafter ₹15 + GST each. |
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H. DEMAT |
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62 |
Demat Account Opening |
NIL |
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63 |
Demat Annual Maintenance Charge (AMC) – Individual, with linked SB/CA |
General Public AMC: ₹300/year |
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64 |
Demat AMC – Non-Individual / Corporate |
Corporate/HUF AMC: ₹1,000/-. |
AMC: HUF ₹1,000; corporate ₹1,200/-. |
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65 |
Dematerialization Charges (converting physical to electronic) |
₹3/certificate + ₹35/request; actual postage charged separately |
₹5/certificate + ₹50/request; actual postage charged separately |
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66 |
Rematerialization Charges (converting electronic back to physical) |
₹15 per 100 securities or ₹15/certificate, whichever higher. |
₹25/- per 100 securities or ₹50/- per certificate, whichever is higher. |
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67 |
Pledge Creation Charges |
0.03% of market value, Min ₹30/transaction |
0.03% of value, Min ₹100/transaction, Max ₹500/ISIN + depository actuals |
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68 |
Transaction Charges (Market/Off-Market Sale/Debit) |
Sale (market/off-market): 0.03% of market value, Min ₹20/txn. |
Sale (Market/Off-Market): 0.03% of market value, Min ₹25 per transaction. |
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69 |
Failed Transaction Charges |
₹25/-instruction |
₹35/- per instruction |
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