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Service Charges & Fee

Cheque Book Issue Charges (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
Cheque Book Charges
1 Saving - ₹ 2.50 per cheque leaf
2 CA/CC - ₹ 2.50 per cheque leaf
3 PDC for Financial Institutions* No cheques will be issued for PDC purpose

Stop Payment Charges (All a/cs with cheque book facilities) - (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
1 Cheque ₹ 150 per cheque leaf
2 Debit ECS ₹ 250 per ECS

Cheque / ECS Return Charges (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
For all Values
1 Details Inward Outward
Saving A/c ₹ 200 ₹ 100
Current A/c ₹ 500 ₹ 300
Cash Credit ₹ 500 ₹ 300
Counter Cheque Return ₹ 100 ₹ 100
No any charges taken from customer for return of cheque due to technical reason.

Duplicate Pass Book / Statement / Certificate new - (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
1 Savings & Recurring (Current Financial Year) ₹ 15 per computer page
2 Savings & Recurring (Previous Year/s) ₹ 40 per computer page
3 Current / Cash Credit(Current Financial Year) ₹ 40 per computer page
4 Current / Cash Credit (Previous Financial Years) ₹ 50 per computer page
5 Share Certificate ₹ 50 per share certificate of 100 and for 100 above 2% of share certificate
and maximum amount is not more than 1000 -As per Byelaw
6 Cheque transaction Image/information NIL
7 Deposit Receipt NIL
8 Duplicate Passbook (Saving Account) ₹ 50

Charges for Closure of A/c before 12 Months - (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
1 Savings Within 3 month ₹ 200.00
Above 3 Months to before 12 months ₹ 150.00
After 1 year NIL
2 Recurring Within 3 month NIL
Above 3 Months to before 12 months ₹ 100.00
After 1 year NIL
3 Current Within 3 month ₹ 500.00
Above 3 Months to before 12 months ₹ 300.00
After 1 year NIL
3 FD (Within 15 Days – From Date of Opening
(except Auto Renewal)		 NIL

In Case of Token Lost - (Charges to be collected by the branch manually)

Sr.No. Description Charges (Rs.)
1 Lost Token ₹ 500 Per Token

Signature Verification - (Charges to be collected by the branch manually)

Sr.No. Description Charges (Rs.)
1 Signature Verification ₹ 150 Per Verification

Loan Application Form, Nominal Member, Share Application Form Fee - (Charges to be collected by the branch manually)

Sr.No. Description Charges (Rs.)
1 Loan Application Form Fee Loan Application - ₹ 100/-
2 Nominal Member 1. Nominal Member Form Fee - ₹ 50/-
2. Nominal Member Entrance Fee - ₹ 50/-
3. Nominal Member Subscription - ₹ 250/-
3 Share Application Form Fee 1. Share Application Form Fee – ₹ 100/-
2. Share Membership Entrance Fee - ₹ 50/-

Loan Processing Fee (To be collected at the time of acceptance of form)

Sr.No. Description Charges (Rs.)
% Min ₹ Max
A Retail loans
1 Two Wheeler 0.75% ₹ 500 No Limit
2 Four Wheeler 0.50% ₹ 1,000 ₹ 15,000
3 Consumer Durable 1.00% ₹ 500 No Limit
4 Personal 1.00% ₹ 1,000 No Limit
5 Housing loan 0.50% ₹ 1,500 ₹ 15,000
6 Education Loan (Secured/Unsecured) 0.35% ₹ 500 ₹ 5,000
7 Gold Loan (Retail + Business Loans) 0.25% ₹ 100 ₹ 2,500
8 FDCC / FDTL / FDOD (Retail + Business Loans) NIL
B Business loans
1 New Cash Credit 0.40% ₹ 500 No Limit
2 Cash Credit Renewal (as it is) 0.35% ₹ 500 ₹ 20,000
3 Solvency certificate 0.20% ₹ 500 ₹ 5,000 *
*
  1. Upto ₹ 100 Lakhs - ₹ 5,000
  2. Above ₹ 100 Lakhs - ₹ 5,000 + ₹ 2,000 for per ₹ 100 Lakhs
4 Sanctioned TOD/EOD 0.35% ₹ 500 ₹ 10,000
5 Restructurings of credit facility 0.40% ₹ 500 ₹ 3,000
6 Commercial Vehicle (Three / Four Wheeler) 0.50% ₹ 1,000 ₹ 15,000
Note: Processing Fees for Group Loans will be applicable as decided by Hon. BOD and it will be vary from company to company.

Penal Charges in Cash Credit / Term loan -(Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
1 Monthly non-submission of stock/book debts statements till 10th of the following months ₹ 20/- per Thousand on Sanctioned Amount Min. ₹ 500/- & Max. ₹ 10,000/-
2 Non-submission of application for renewal and review of cash credit facility/documentation non-completed before due date from the date of expiry of limit. ₹ 20/- per Thousand on Sanctioned Amount Min. ₹ 500/- & Max. ₹ 20,000/-
3 Delay in Installments ( after due date of installment) 2% per Month on Overdue Amount
4 Overdrawn amount in CC accounts over sanction limit / DP whichever is less (Drawing Power & Sanctioned Limit whichever is less) 2% per Month on Overdrawn Limit
Note: - C/C Renewal letter to be sent to Customer before 1 month prior of the due date.

Gold Valuation Charges

Sr.No. Description Charges (Rs.)
1 To be reimbursed to Gold Valuer As per contract agreement with Gold Valuer

Bank Guarantee and Letter of Credit (Fresh & Renewals)

Sr.No. Description Charges (Rs.)
1 Against 100% deposit 0.50% Per Year + Other Banks Commission
2 Partly secured by Term Deposit less than 100% & Remaining Security by way of Property or Machinery 2.5% Per Year + Other Banks Commission
3 For BG/LC issue by us Same as above (excluding of other bank commission)
Note:- In case of Bank Guarantees issued for a period less than 3 months, charges will be collected for a minimum period of one quarter and its multiple for additional part period.

Credit Monitoring / Visit Charges (Excluding Home loans) - (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
( except FD/Gold/Staff/Group loan/Debit Mandate )
1 Credit Monitoring Charges for Total Limits of ₹ 10 Lakhs & Above Upto ₹ 50 Lakhs - ₹ 300 Per Quarter & Above ₹ 50 Lakhs - ₹ 500 Per Quarter
2 Below ₹ 10 Lakh Charges Per Quarter through system
₹ 1 Lakh to ₹ 2 Lakh ₹ 75
Above ₹2 Lakh to ₹5 Lakh ₹ 125
Above ₹5 Lakh to ₹10 Lakh ₹ 187.5

Foreclosure Closure of Loan A/c (Excluding Housing Loans) -

Sr.No. Description Charges (Rs.)
1 Foreclosure Closure of Loan A/c
(Including Loans given to Individual(s)
for business purpose)		 Upto 24 Month - 3%
25 Month to 48 - 2%
48 Months to 60 - 1%
Above 60 Months - Nil

Note:
1. Period will be count from Date of first disbursement of loan
2. It is applicable in case where said loan(s) taken over by other bank
2 Foreclosure Closure of Loan A/c (Individual Loans) NIL

Loan Sanction Letter Revalidation Charges (3 Month)

Sr.No. Description Charges (Rs.) Minimum
1 Revalidation Charges 0.05% Sanctioned Limit ₹ 1,000/-

Remittances- Pay orders / DDs (Auto) - (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
1 Pune Peoples Co-op Bank (Pay-Orders) ₹ 0.50 Per ₹ 1,000/-
Minimum - ₹ 20
Maximum - ₹ 1,000/-
2 HDFC/IDBI ₹ 0.50 Per ₹ 1,000/-
Minimum - ₹ 20
Maximum - ₹ 2,000/-
3 State Bank of India Issuance of SBI DD is discontinued
4 By Cash (PAN is mandatory for ₹ 50,000/- & above) Rs. 2.00 Per ₹ 1,000/-
Minimum - ₹ 40

DD / PO/ Revalidation/ Duplicate & Cancellation Charges - (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
1 HDFC /SBI & other Banks Upto ₹ 1,500 – Charges ₹ 50
Above ₹ 1,500- Charges ₹ 100
2 Pay Order Upto ₹ 1,500 – Charges ₹ 25
Above ₹ 1,500- Charges ₹ 50

RTGS - (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
1 Outward ₹ 2 Lakhs to ₹ 5 Lakhs - ₹ 25/-
Above 5 Lakhs - ₹ 50/-
2 Inward NIL

NEFT - (Charges will be collected by CBS) as per RBI Guidelines

Sr.No. Description Charges (Rs.)
1 Upto ₹ 10000 ₹ 2.50
2 From ₹ 10000 to ₹ 1 Lakh ₹ 5/-
3 Above ₹ 1 Lakh upto ₹ 2 Lakhs ₹ 15/-
4 Above ₹ 2 Lakhs ₹ 25/-
Note:

1. No charges for Inward NEFT transactions.

2. No charges for NEFT fund transfer initiated online through mobile banking app.

Locker Rent & Security Deposit

Sr.No. Description Charges (Rs.)
1 Locker Rent & Security Deposit Depending upon locker size. Charges schedule can be availed from any branch. – Schedule attached.
A Delay in payment of Rent after 30 April ₹ 50/- Per month
B Locker Operation charges 50 visit in Yearly Free
Above 50 visits per visit ₹ 50/-

Note : Charges to be debited to customer’s account, in case customer do not have any account with us then collected in cash
C Break Open of locker in case of loss of key ₹ 500 + Actual charges

Cash counting Charges / Handling Charges (Excluding Saving Account) - (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
1 Cash deposit above ₹ 50000 (for CA/CC) ₹ 2.50 per thousand
Max Rs.1000/-

ATM Card Charges - (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
1 Duplicate ATM card issue Charges ₹ 200
2 Duplicate Pin mailer issue Charges Green PIN will be used
3 Yearly Operation Charges ₹ 200
4 Additional ATM card to joint A/c holder ₹ 200

ATM Transaction Fee – In line with RBI guidelines (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
1 On Us 05 free transactions
(inclusive of financial and non-financial transactions)

After 5 transactions charges for –
1. Financial Transactions - ₹ 21 per transaction + Applicable GST
2. Non-Financial Transactions - ₹ 5 per transaction + Applicable GST
2 Off-Us 03 transactions in Metro Centres / 05 transactions in Non-Metro Centres
(inclusive of financial and non-financial transactions)

After 5 transactions charges for –
1. Financial Transactions - ₹ 21 per transaction + Applicable GST
2. Non-Financial Transactions - ₹ 5 per transaction + Applicable GST
Note:
1. Metro Centres: Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad.
2. Charges will be levied as per RBI Guidelines

Recovery Charges (Charges debited to loan Account)

Sr.No. Description Charges (Rs.)
1 Up to 10 K.M. 1. If staff used two-wheeler for travelling purpose for recovery then charges will be ₹ 10 per K.M.
2. If staffs used four-wheeler for travelling purpose for recovery then charges will be ₹ 25 per K.M.
2 Above 10 K.M. 1. If staff used two-wheeler for travelling purpose for recovery then charges will be ₹ 15 per K.M.
2. If staffs used four-wheeler for travelling purpose for recovery then charges will be ₹ 50 per K.M.

Vehicle Charges

Sr.No. Description Charges (Rs.)
1 Issue of NOC to RTO ₹ 150
Seizing Charges
a. Light motor vehicle / two wheeler / three wheeler/four wheeler For two wheeler - ₹ 500 & For Four wheeler - ₹ 1,000
b. Heavy vehicle ₹ 3,000
c. Excavators & Cranes ₹ 5,000 or actual outsourcing charges as approved

Inter branch Transaction Charges (Excluding Saving) - (Charges will be collected by CBS)

Sr.No. Description Charges (Rs.)
1 Cash / Clearing
# Cash handling charges are applicable for Cash Deposition as per schedule of charges 		1.Non-Cash Transactions are Free
2.Cash Transactions
a) Up to ₹ 50,000/- are Free and
b) Above ₹ 50,000/- ₹ 2.50 per thousand (Max ₹ 1,000/-)

Assignment / Reassignment Charges

Sr.No. Description Charges (Rs.)
1 Assignment of NSC ₹ 150 + actual Post office charges
2 Encashment of NSC ₹ 150 + actual Post office charges
3 Reassignment of NSC NIL
4 Assignment / Encashment of LIC Policy ₹ 150/- per LIC branch + actual charges

Safe Custody Charges

Sr.No. Description Charges (Rs.)
a. Gold loan closed but pledged ornaments are not claimed within 07 working days from date of closure ( after sending the notice to the loanee regarding the charges ) ₹ 500/- per month
b. Sale of pledged Gold ornaments by auction
Loans upto ₹ 10,000/- ₹ 100
Above ₹ 10,001/- to upto ₹ 1,00,000/- ₹ 500 + proportionate advertisement charges
Above ₹ 1,00,001/- ₹ 1000 + proportionate advertisement charges

Others

Sr.No. Description Charges (Rs.)
1 Transfer Share Certificate ₹ 5 Per Share Certificate (Refer Bye Law)
2 Issue of any other certificate by Bank for the purpose other than for our Banks purpose (Including verification of Signature ) ₹ 100 Per Certificate
3 Income Tax Certificate for interest on term deposit/savings account or Balance certificate NIL
4 Change in Nomination for Share Certificate ₹ 5 Per Change ( Refer Bye Law)
5 Where balance is insufficient to carry out Standing Instruction ₹ 50 Per transaction, if the instruction is towards the loan EMI
6 Attestation of Photograph ₹ 50 for photograph
7 Charges for giving copies of documents ₹ 10 Per page Minimum 50
8 Enquiry relating to Old records ₹ 150 per item for records more than 12 months old (As per Law)

₹ 100 per item for records less than 12 months old
9 SMS Charges ( Saving / Current / Cash Credit ) Charges @ ₹0.15 (excl. GST) per SMS, maximum ₹150 + GST per quarter for SB accounts, and ₹500 + GST per quarter for CA and CC accounts.

Immediate Credit of local / outstation cheques/instruments

Sr.No. Description Charges (Rs.)
1 Immediate Credit of local / outstation cheques/ instruments ₹ 250/- will be charged on each such case as a flat fee over and above the normal collection charges.

Locker Rent

Sr.No. Description For Charges
1 Locker Rent Click here

Note :-

1 As far as possible charges to be collected by debiting to party’s / customer’s account
a. Supply of loan application forms
b. Locker rent / delay charges
c. Actual postage & travelling cost wherever applicable
3 While debit charges, account should not reflect debit balance (SB/CA). Charges to be recovered when account came in credit.
4 All the Services mentioned above should be charge with GST Extra. (Wherever it is applicable)
5. Powers for Waiver of Charges –
Upto 25% charges waiver – CEO
2. Above 25% charges waiver – Hon. BOD
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