Sr. No.

Particulars

Amount of Service Charges

A

DEPOSITS:

1

SAVING DEPOSIT:

a)

1)

MINIMUM AMOUNT TO OPEN AN ACCOUNT:

i)

With Cheque Book

Without Cheque Book

₹1,500/-

ii)

Satara / Pune Region:

With Cheque Book

Without Cheque Book

₹1,000/-

b)

i)

CHARGES FOR NON-MAINTENANCE OF MINIMUM BALANCE IN A MONTH:

Charges for failure to maintain minimum balance

Adherence to RBI guidelines, customers will be provided a one-month period to maintain the stipulated minimum balance. Any charges incurred will be applied proportionately. Maximum ₹ 50.00 + GST

## Inoperative accounts are exempt from these charges.

ii)

(Including ATM Transactions):

Note: The entries of S.I. internal transactions to be excluded.

₹ 25/- + applicable GST per withdrawal above 100 withdrawals (Half yearly charges)

c)

CLOSURE OF ACCOUNTS:

i)

If closed within one year from the date of opening of the Account.

₹ 500.00 + applicable GST

ii)

If closed after one year from the date of opening of the Account.

# (No charges for activation of Inoperative Account)

# No Closure Charges on account of Death of Customer.

₹ 250/- + applicable GST

iii)

Charges for unused cheques surrendered / lost/Stolen/misplaced to be collected at the time of closing of account.

(Note Charges to be collected for only unused cheques out of last issued cheque book)

The customer is to be specifically informed at the time of opening of the Account regarding the above charges.

₹ 15/- per cheque + applicable GST

d)

RETURN INWARD (CRC/ECS/ECS OF Cheques /ECS -DR/RD/NACH-DR:

i)

For want of funds & other reasons including stop payment

Upto ₹ 1 lakhs- ₹ 500/- + applicable GST

Above ₹ 1 lakhs to ₹5 lakhs- ₹ 600/- + applicable GST

Above ₹ 5 lakhs to ₹.10 lakhs- ₹ 750/- + applicable GST

Above ₹ 10 lakhs – ₹ 1,000/- + applicable GST

ii)

Return OUTWARD

(Charges for cheque received unpaid which are sent in clearing)

(Applicable for ECS/NACH Returns also)

₹ 200/- + applicable GST

iii)

ECS Mandate for Debit Clearing

₹ 5,000/- Fixed Deposit (Lien should be mark for ECS Debit)

v)

Signature Verification

₹ 100/- per signature + applicable GST

iv)

ECS Mandate for Debit Verification

₹ 100/- per Mandate + applicable GST

e)

ISSUE OF CHEQUE BOOKS:

(Personalized cheque Books)

# Discontinued as no Loose Cheques issued.

15 cheque leaves free in every financial year thereafter ₹ 5/- per cheque leaf + applicable GST.

Non-Collection of Personalized Cheque book from the branch within stipulated time i.e. within 1 month

Rs 25/- per cheque book

f)

ISSUE OF DUPLICATE PASS- BOOK:

i)

ii)

With Present balance

With previous entries

₹ 50/- + applicable GST

₹ 50/- + Rs. 10/- per page of pass- book + applicable GST

₹ 50/- per page of computer statement (per page = 40 entries) + applicable GST

₹ 25/- Email statement per page+ applicable GST

g)

i)

ii)

Cheque deposited for repayment of loan which is return unpaid.

Stop payment Charges

Stop payment instruction after Loss of complete cheque book or range of cheques

Up to ₹ 1 lakhs- ₹ 700/- + applicable GST.

Above Rs. 1 lakhs upto ₹ 10 lakhs- ₹1,000/- + applicable GST.Above ₹ 10 lakhs – ₹ 1,250/- + applicable GST

₹ 200/- + applicable GST

₹ 200/- + applicable GST per instances

h)

WITHDRAWAL FROM THE ACCOUNT WITHOUT PASS- BOOK:

Note: charges to be collected at the time of payment of withdrawal amount.

₹ 30/- per instance + applicable GST

Cash Withdrawal limit at non home branch

Withdrawal ₹ 50,000/- per day

i)

ACCOUNT MAINTAINANCE CHARGES

₹ 30/- Per Quarter

2

CURRENT ACCOUNT & CC ACCOUNTS:

a)

Opening of Current Account & maintenance of minimum balance in current A/c

₹ 5,000/- (Mumbai, Thane, Navi Mumbai, Raigad District branches)

₹ 3,000/- (Satara, Pune District branches)

SERVICE CHARGES

RETURN INWARD (CRC/ECS/ECS OF Cheques /ECS -DR/RD/NACH-DR:

b)

For want of funds & other reasons including stop payment

Upto ₹ 1 lakhs- ₹500/- + applicable GST

Above ₹ 1 lakhs but upto ₹ 10 lakhs-

₹ 750/- + applicable GST

Above ₹ 10 lakhs but upto ₹ 50 lakhs:

₹ 1,250/- + applicable GST

above ₹ 50 lakhs:  ₹ 3,000/- + applicable GST.

CRC Cheques/ ECS/DR/NECH-DR passed against uncleared balance

₹ 100/- per instrument + applicable GST + interest @18% on uncleared balance in Current A/c

ii)

RETURN OUTWARD

(Charges for cheque received unpaid which are sent in clearing)

(Applicable for ECS/NACH Returns also)

₹ 200/- + applicable GST

c)

Charges for failure to maintain minimum balance in any month

Adherence to RBI guidelines, customers will be provided a one-month period to maintain the stipulated minimum balance. Any charges incurred will be applied proportionately.

## Inoperative accounts are exempt from these charges.

₹ 500/- per month + applicable GST

(Mumbai, Thane, Navi Mumbai &  Raigad District branches)

₹ 300/- per month + applicable GST

(Satara, Pune Dist. Branches).

d)

Folio charges

₹ 50/- per folio to Current A/c &  ₹ 25/- per folio to CC/OD A/c to be charges half yearly. Maximum ₹1,000/- + applicable GST (1 Folio = 40 entries on page)

e)

CLOSURE OF CURRENT ACCOUNTS:

i)

If closed within one year from date of opening of the account.

₹ 1,000/- + applicable GST

ii)

Closure of Inoperative current a/c or Transfer of Inoperative current a/c operative a/c or closure of a/c after one year

₹ 500/- + applicable GST

iii)

Charges for unused cheque to be collected at the time of closure of Current & CC a/c, Flexible loan account (Not applicable to intra portability accounts)

₹ 15/- per cheque + applicable GST

f)

i)

ii)

Issue of cheque book to bank transaction

Issue of cheque book for repayment of loans (P D C purpose) of other Banks

₹10/- per leave + applicable GST

₹ 25/- per cheque + applicable GST

Non-Collection of Personalized Cheque book from the branch within stipulated time i.e. within 1 month

₹ 50/- per cheque book

i)

ACCOUNT MAINTAINANCE CHARGES

₹ 75/- Per Quarter

g)

i)

ii)

Issue of duplicate statement of a/cs

Stop Payment Charges

Stop payment instruction after Loss of complete cheque book or range of cheques

₹ 50/- for each page of statement + applicable GST

₹ 200/- per cheque + applicable GST

₹ 200/- + applicable GST per instances

i)

If cash deposited after 1.00 p.m. for clearing Cheque/ ECS passing. (Over Night Charges – ONC)

₹ 150/- (per Cheque) + applicable GST

Mumbai, Navi Mumbai, Thane, Raigad, Satara & Pune Region.

3

TERM DEPOSITS:

a)

Issue of duplicate receipt (to be issued in the form of certificate) after furnishing sufficient documentation.

₹ 200/- + applicable GST

b)

Recurring deposit

(Reduction in interest amount for delayed payment)

₹1.50 + applicable GST for every ₹100/- per month (i.e. 0.5 paisa per ₹10/-) in case of single default no interest amount to be reduced. Advance installment can be adjusted towards default.

B

LOANS & ADVANCES:

1

LOANS & ADVANCES, CASH CREDIT A/C & OTHER FORMS.

a)

SUPPLY OF APPLICATION FORMS & FILES

i)

ii)

iii)

iv)

Personal loan/ Tangible Security

Business Loan/MAPL/CC/OD

Bank Guarantee & Solvency Certificate

Housing, Mortgage/CRE Loan

₹ 100/- + applicable GST

₹ 150/- + applicable GST

₹ 100/- + applicable GST

₹ 150/- per form + applicable GST

b)

PROCESSING CHARGES:

i)

Clean Loan/ Secured Loan/ HY. Loan (Vehicle /Business/Machinery) Cash Credit /Housing/ Profession / Consumer Durable / Educational Loan.

Restructure/Reschedule of Existing Loan

Proposal for obtaining Reduction in Interest Rate on Sanctioned Loan for Commercial purpose ONLY.

₹ 1.50/- per 1,000 of demand loan amt. + applicable GST but minimum ₹ 150/- + applicable GST and maximum ₹ 15,000/- + applicable GST to be collected at the time of acceptance of application which is not refundable.

0.50% of Outstanding Loan Amount.

0.25% + applicable GST on Loan Outstanding amount

ii)

NSC/KVP/LVP/ Loan against Govt. Sec.

Gold Loan upto ₹2.00 lakhs i.e. Bullet Repayments

Gold Loan Above ₹2.00 lakhs i.e. Gold Loans under EMI.

₹ 200/- per application + applicable GST to be taken at the time of acceptance of application.

₹ 200/- per application + applicable GST.

Above ₹ 2 lakhs but upto ₹3.00 lakhs: ₹ 300/-,

Above ₹ 3 lakhs but upto ₹4.00 lakhs: ₹ 400/-,

Above ₹ 4 lakhs but upto ₹5.00 lakhs: ₹ 500/-,

Above ₹ 5 lakhs: ₹ 750/-,

c)

SERVICE CHARGES FOR LOANS/CASH CREDIT/OVERDRAFT AGAINST PROPERTY AND OTHER SECURITEY:

i)

Loans upto ₹ 50.00 Lakhs

1.00% of Sanctioned Loan amount + applicable GST

ii)

Loans above ₹50.00 Lakhs & upto ₹ 100.00 lakhs

₹ 50,000/- + 0.50% of sanctioned loan amount Exceeding ₹ 50.00 Lakhs + applicable GST.

iii)

Loans above ₹ 100.00 Lakhs

₹ 75,000/- + 0.25% of sanctioned loan amount Exceeding ₹100.00 Lakhs + applicable GST.

iv)

ISSUANCE OF IN-PRINCIPAL SANCTION LETTER OF LOAN PROPOSALS:

Upto ₹ 1.00 Lakh ₹ 500/- + applicable GST

Above ₹ 1.00 Lakh & upto 10.00 Lakh: ₹700/- + applicable GST

Above ₹ 10.00 Lakh & upto 25.00 Lakh: ₹ 1000/- + applicable GST

Above ₹ 25.00 Lakh & upto 50.00 Lakh: ₹ 1500/- + applicable GST

Above ₹ 50.00 Lakh & upto ₹100.00 Lakh: ₹ 2000/- + applicable GST

Above ₹ 100.00 lakhs: ₹ 5000/- + applicable GST

v)

Renewals of Cash Credit /Overdraft Against Gold or Property Charges:

Upto ₹ 10.00 Lakhs

above ₹ 10.00 Lakhs to ₹25.00 Lakhs

above ₹25.00 Lakhs to ₹50.00Lakhs

above ₹50.00 Lakhs to ₹1.00 Crore

above ₹1.00 Crore

For any amount for Overdraft Against Deposits

₹ 1500/- + applicable GST

₹ 2000/-+ applicable GST

₹ 3000/-+ applicable GST

₹ 3500/-+ applicable GST

₹ 4000/-+ applicable GST

₹ 200/-+ applicable GST

vi)

If cash deposited after 1.00 p.m. for clearing Cheque/ ECS passing

(Over Night Charges – ONC)

₹150/- (per Cheque) + applicable GST

Mumbai, Navi Mumbai, Thane, Raigad, Satara & Pune Region.

vii)

Taking Over of Loans & Advances in the category of “Standard Assets” from other banks/financial institutions.

50% of applicable Service Charges + Applicable GST.

viii)

Issuance of No Dues Certificate

Per Instance ₹ 150/-+ applicable GST

d)

Exchange of pledged share certificates

₹ 300/-+ applicable GST

Per transaction irrespective of number of certificates.

e)

CIBIL Charges:

1. Consumer Report
2. Commercial Report

₹ 350/- + applicable GST

₹ 1,200/- + applicable GST

f)

Property /Stock Audit Fees for Cash Credit & Overdraft Loan account by bank auditors:

₹50 lakhs to 1.00 Crore

Above ₹1.00 Crore

₹ 3,500/- + applicable GST Per Audit

₹ 5,000/- + applicable GST Per Audit

g)

Special Inspection Charges               

1. If Inspection by Branch official
2. If Inspection by H.O. Official

₹ 700/- + applicable GST

₹1,200/- + applicable GST

h)

Mortgage Noting Charges

As applicable by registering authority.

i)

NOTICE TO DEFAULTER’S OF LOANS

i)

ii)

iii)

iv)

v)

vi)

vii)

viii)

R – 1 Notice ………. 1^st Notice

R – 1 Notice ………. 2^nd Notice

R – 3 Notice ………. Personal visit & Notice

R – 3 & R – 4 Notice Advocate notice

Issue of Notice under SARFAESI Act

Case file charges

Visit charges per visit to borrower/sureties for recovery purpose (after sanctioned of Loan)

Any other Notice

₹200/- + applicable GST

₹250/- + applicable GST

₹300/- + applicable GST

₹500/- + applicable GST

₹1,000/- + applicable GST

Actual

₹300/- + applicable GST

₹150/- + applicable GST

j)

VEHICLE LOANS:

i)

ii)

iii)

Issue of NOC to RTO per vehicle

Seizing Charges:

a) Light Motor Vehicle/Two- Wheeler/ Three- Wheeler

b) Heavy Vehicle

Trade Certificate Charges (for the purpose of H.P. registration at RTO)

a) Light Motor Vehicle/Two-wheeler/ Three-Wheeler/ Jeep

b) Heavy Vehicle

₹ 150/- + applicable GST per vehicle

₹ 1,500/-+ applicable GST per vehicle

₹ 3,000/- + applicable GST per vehicle+ Actual Expenses out of Mumbai, Navi Mumbai, Thane, Raigad, Satara & Pune District.

₹ 250/- + applicable GST

₹350/- + applicable GST

SEALING / POSSESSION OF IMMOVABLE PROPERTIES:

i)

a)  Flat/Stall/Gala/Shop/Bungalow

₹ 2,500/- plus actual expenses incurred for taking possession, police protection charges. etc. + applicable GST

b) Factory Premises/Industrial Unit

₹ 7,000/- plus actual expenses incurred for taking possession, police protection charges, ect. + applicable GST

₹ 2,500/- plus actual expenses incurred for taking possession, police protection, etc. + applicable GST

ii)

Possession of Factory Premises/ Industrial Unit through Court:

a) Loan Sanctioned amount up to ₹ 5.00 lakh

b) Loan Sanctioned amount above ₹ 5.00 lakh to ₹ 50.00 lakh

c) Loan Sanctioned amount above ₹ 50.00 lakh

*(GST is to be collected on recovery of actual expenditure also)

₹ 3,500/- plus actual expense incurred for taking possession, charges of court official, police protection, etc. + applicable GST

₹ 7,000/- plus actual expenses incurred for taking possession, charges of court official, police protection, etc. + applicable GST

₹ 10,000/- plus actual expenses incurred for taking possession, charges of court official, police protection, etc. + applicable GST

a) ASSIGNMENT OF NSC/KVP

b) Encashment of NSC/IVP/KVP etc.

Gold Loans (Auction Charges)

₹ 100/- + applicable GST per certificate plus actual traveling cost not exceeding ₹200/- (both inclusive) actual post office charges +applicable GST (on all charges)

₹ 100/- + applicable GST per certificate plus actual traveling cost not exceeding ₹250/-(both inclusive + actual post office charges + + applicable GST

₹ 2/- Per Gram

m)

SERVICE CHARGES FOR THE MONITORING OF CASH CREDIT ACCOUNTS.

i) Non-submission of stock/book debts statement

ii) Non-renewal of cash credit facility within 3 months from the date of expiry of limit

(Once a C/C A/c is classified as inoperative / debited & Branch should take recovery action as per recovery circular).

Monthly charges of ₹ 750/- + applicable GST non submission of the statement

2.5% over & above the interest rate applicable + applicable GST

(Note: Above 2 charges are separate & independent of each other till submission)

n)

iii) Visit Fees to borrower’s C/C Business Units or limit against, Hypothecation of stock/book debts (verification of stock/ book debts once in a quarter): Sanctioned Limits

a) Upto ₹5 lakhs

b) Above ₹ 5 lakhs Upto ₹10 lakhs

c) Above ₹10 lakhs Upto ₹50 lakhs

d) Above ₹ 50 lakhs to ₹1.00 Cr.

e) Above ₹1.00 Cr

₹ 250/- per visit+ applicable GST

₹ 350/- per visit+ applicable GST

₹ 500/- per visit+ applicable GST

₹ 700/- per visit+ applicable GST

₹ 1,000/- per visit+ applicable GST

o)

Non-display of Bank name board in the business / office / factory premises / on machinery / on vehicle (Even by giving the board (Name Plate) When notice   given to concerned parties)

₹ 500/- + applicable GST

Per Month till displayed

2

CERSAI Related Charges:

Creation & Modification of Charge (Property Loan/Hypothecation Commercial)

₹1,000/- + applicable GST

3

ISSUANACE OF BANK GUARANTEE:

a) Fully Secured (100% Fixed Deposit)

b) Partly Secured (at least 25% FDR)

2.00% of B.G. Amt. + applicable GST

3% of B.G. Amt. + applicable GST

(The above Charges must recover per annum if BG is issued for more than 1 year

4

ISSUANCE OF SOLVENCY CERTIFICATE:

Up to ₹ 25.00 lakh

Above ₹ 25.00 lakh to ₹ 50.00 lakh

Above ₹50.00 lakh to ₹ 1.00 Crore

Above ₹ 1.00 Crore to ₹ 10.00 Crore

Above ₹ 10.00 Crore

Note:

1) If certificate is Issued to individuals for their ward’s education purpose, 25% of the charges as mentioned above + applicable GST)

2) In the case of extra original copy of same certificate ₹ 100/- + applicable GST per certificate.

₹350/- per ₹1 lakh or Part thereof subject to maximum ₹ 7000/- + applicable GST

₹7,000/- + applicable GST

₹10,000/- + applicable GST

₹15,000/-+ applicable GST

₹20,000/- + applicable GST

5

ISSUE OF INLAND LETTER OF CREDIT:

i)

a) Commitment Charges

b) Usance Commission

c) Postage etc.

₹0.20 paise per ₹100/-per Quarter or part thereof. + applicable GST

₹0.20paise per ₹100/-per month or part thereof+ applicable GST

₹50/- or Actual postage whichever is higher + applicable GST Charges

ii)

1. Simple Amendment without extension of period or enhancement

b) Enhancement commitment charges

c) Extension

d) Reinstatement commission for Revolving L/C.

e) Postage

₹ 500/- + applicable GST

Usance commission as above on amt. by which I/C in enhanced subject to minimum of ₹ 500/-+ applicable GST

Commitment charges as above (No commitment charges if extension does not run into fresh period of 3 months) Subject to minimum of ₹500/-+ applicable GST

Commitment charges at 0.20 paisa per ₹100/-plus usance charges as above subject to minimum of ₹100/-+ applicable GST

₹50/- or Actual postages whichever is higher + applicable GST

C

CLEARING SERVICES/PAY ORDERS/DRAFTS:

1

BILLS & CHEQUES

a)

COLLECTION OF OUTSTATION CHEQUE (IBC/OBC)

i)

ii)

iii)

iv)

v)

Up to ₹5,000/-

Above ₹5,001/- to Upto including ₹10,000/-

Above including ₹10,001/- to Upto ₹1 Lakh

Above ₹1 Lakh

Postage & Commission

₹ 50/-

₹ 75/-

₹ 150/-

₹ 300/-

Above Charges include Postage & Commission charges as well as all other charges.

b)

OUTWARD NATIONAL CLEARING CHEQUE

i)

ii)

iii)

iv)

v)

Up to ₹5,000/-

Above ₹5,001/- to Upto including ₹10,000/-

Above including ₹ 10,001/- to Upto ₹1 Lakh

Above ₹1 Lakh

Postage & Commission

₹ 50/-+ applicable GST

₹ 75/- + applicable GST

₹ 150/- + applicable GST

₹ 300/- + applicable GST

Actual + applicable GST

c)

COLLECTION OF OUTSTATION BILLS:

IBC/OBC/BD/SBD/BD under LC

i)

ii)

iii)

iv)

v)

vi)

vii)

Up to ₹ 1,000/-

Above ₹1,000/- & Upto ₹ 5,000/-

Above ₹ 5,000/- & Upto ₹10,000/-

Above ₹10,000/- & Upto ₹1 Lakh

Above ₹ 1 Lakh

Charges for return unpaid bills/ outstation cheques

Note: Each bill should be treated as a separate bill & should not be clubbed for the purpose of calculation of charges

Postage

₹ 50/-+ applicable GST

₹75/-+ applicable GST

₹100/-+ applicable GST

₹10/- per ₹1000/- or part thereof + applicable GST

₹10/- per ₹1,000/- as part thereof subject to minimum Rs. 1000/- maximum ₹2,000/- + applicable GST

50% charges as above 8(a) & 8(c) subject to minimum ₹20/- + applicable GST

Actual + applicable GST

2

1)

PAY ORDER ETC.

a)

1)

ISSUE PAY ORDER

i)

Upto ₹ 5,000/-

₹ 50/- + applicable GST

ii)

Above ₹ 5,001/- & Upto ₹50,000/-

₹ 75/- + applicable GST

iii)

Above ₹50,001 & Upto ₹1 Lakh

₹ 150/- + applicable GST

iv)

Above ₹ 1 Lakhs & Upto ₹10 Lakhs

₹ 200/- + applicable GST

v)

Above ₹ 10 Lakhs & Upto ₹50 Lakhs

₹ 300/- + applicable GST

vi)

Above ₹50.00 Lakhs

₹ 800/- + applicable GST

2)

i) Revalidation of pay order within one year from the date of issue

ii) Cancellation of pay order

₹ 100/-+ applicable GST

₹ 200/-+ applicable GST

3)

Issue of pay order favoring our Bank

Nil

b)

ISSUE OF DEMAND DRAFT/ AT-PAR CHEQUES i.e. (At-par cheques drawn on HDFC/ IDBI) etc.

As per Charges Applicable for issuance of Pay Order.

c)

REMMITENCE OF FUND THROUGH:

1. Real Time Gross Settlement (RTGS) charges
2. National Electronic Fund transfer (NEFT) charges

If transactions done through Mobile Banking

Upto ₹ 10,000/-

Upto ₹ 1,00,000/-

Above ₹ 1,00,000/-

₹ 55/-per transaction + applicable GST₹ 30/-per transaction + applicable GST

₹ 10/- + applicable GST per transaction

₹ 20/- + applicable GST per transaction

₹ 30/- + applicable GST per transaction

D

DIGITAL SERVICES:

1

SMS ALERTS CHARGES

a)

Deposit Holders: SMS Alert on Maturity & Renewals of All type of Fixed Deposit

Free

b)

Installment Type Loan Barrowers:

SMS Alert for Loan Installment Due only

Free

c)

Saving Account Holders

SMS Charges will be applied based at actual basis SMS which sent to customers on their registered EMI.

Charges @ ₹ 0.200 (excl GST) per SMS, maximum ₹ 20 + GST per quarter for all saving accounts.

calculated amount is below ₹1, it will be rounded up and considered as ₹1.

d)

Current, Cash Credit, Overdraft, & FDOD Account Holders: Debit / Credit Transaction

Charges @ ₹ 0.200 (excl GST) per SMS, maximum ₹ 100 + GST per quarter.

calculated amount is below ₹1, it will be rounded up and considered as ₹1.

2

RUPAY JAOLI DEBIT CARD CHARGES

a)

Annual Fee ( 1^st Year Free)

₹ 200/- p.a. + applicable GST

b)

Replacement of a damaged Debit Card by Customer

₹ 200/-p.a. + applicable GST

c)

Replacement of a lost Debit Card

₹ 200/-p.a. + applicable GST

d)

Pin Replacement / Duplicate PIN

₹ 25/- + applicable GST

e)

Jaoli Bank ATM for Saving A/c /

Current A/c (for Proprietorship firms)

Free up to 10 transactions per month.

₹20/- + applicable GST per transaction for additional financial transaction in the month.

NO Charges for Non-financial transaction in the month.

f)

Another bank ATM for Saving A/c:

i)

Cash Withdrawal/Balance Enquiry

Charge of ₹20/- plus applicable GST per financial transaction and ₹10/- plus applicable GST per non-financial transaction will apply for the same month.

g)

Other Bank ATM for Current A/c holders and Overdraft A/c holders:

i)

Cash Withdrawal

Charges of ₹20/-+ applicable GST

for every financial transaction

ii)

Balance Enquiry

Charges of ₹10/-+ applicable GST

For every non-financial transaction

ATM transaction declined charges

Only for insufficient balance (when used at other bank’s ATM)

₹ 20/- per transaction

A)

UPI transactions Charges

Monthly 30 transactions

Transactions 31 upto 100

Transactions 101 upto 200

Transactions above 200

(Has to be discussed with SIL)

Free

₹ 10/-

₹ 25/-

₹ 100/-

B)

IMPS transaction Charges

Upto ₹ 5,000/-

Above ₹ 5,000/- to ₹ 10,000/-

Above ₹ 10,000/- to ₹ 1,00,000/-

Above ₹ 1,00,000/- to ₹ 2,00,000/-

Above ₹ 2,00,000/-

(Has to be discussed with SIL)

Free

₹ 2/- per transaction

₹ 10/- per transaction

₹ 20/- per transaction

₹ 30/- per transaction

Point of Sale (POS) Transactions

₹ 20/- per transaction

h)

1)

ATM Cash Withdrawal Limit Per Day at DMK Jaoli Bank ATM & transactions at other than DMK Jaoli Bank ATM.

₹ 20,000/-

2)

Micro ATM Charges (available with branches)

20/- plus applicable GST

i)

Limits for the day for the financial transactions:

UPI

IMPS

E-Commerce / POS

₹ 50,000/-

₹ 1,00,000/-

₹ 1,00,000/-

j)

CBS transaction from other branches Cash / Clearing / Transfer (Excluding system generated transactions)

Free upto Five transactions per month

₹ 30/-+ applicable GST

per transactions subsequently.

E

CASH/CURRENCY HANDELING:

i)

CASH HANDLING CHARGES (Saving Bank Accounts):

i)

ii)

Cash Deposits Up to ₹ 1.00 Lakhs

Cash Deposits Above ₹ 1.00 Lakhs

Free

₹ 25/- per 10,000/- or part thereof per day in CBS Branches + applicable GST

ii)

CASH HANDLING CHARGES (Current & C/C, O/D Account)

i)

ii)

Cash Deposits Up to ₹ 3.00 Lakhs

Cash Deposits Above ₹ 3.00 Lakhs

Free

₹ 30/- per 10,000/- or part of thereof per day in CBS Branches. + applicable GST.

2

A)

If maintained Float/MAB (Monthly Average Balance) ₹ 10,00,000/-

1. Free Monthly Cash Deposit Limit
2. Free Cheque leaves
3. NEFT/RTGS
4. Demand Draft
5. Charges for Non-Maintenance of Minimum MAB
6. Maximum Cash Deposit Limit at Non- Home Branch
7. Cash Withdrawal charges at Home Branch
8. Cash withdrawal Charges at Non-Home Branch
9. SMS Alerts

Unlimited Free

(Inclusive of cash deposit at Home & Non-Home Branches)

Unlimited Free

Unlimited Free

Unlimited Free

₹ 8,000/- + GST per month: if MAB < ₹ 5,00,000/-

₹ 4000/- + GST per month: if MAB > ₹ 5,00,000/-

₹ 2 Lakhs per day

Free for unlimited amount with Prior intimation.

Max. Limit Up to Rs.  100,000/- Thousand per day (self only)

Free

B)

If maintained Float/ MAB (Monthly Average Balance)

1. Free Monthly Cash Deposit Limit
2. Free Cheque leaves
3. NEFT/RTGS
4. Demand Draft
5. Charges for Non-Maintenance of Minimum MAB
6. Maximum Cash Deposit Limit at Non-Home Branch
7. Cash Withdrawal charges at Home Branch
8. Cash withdrawal Charges at Non-Home Branch
9. SMS Alerts

₹ 5,00,000/-

₹ 50.00 lakhs per month

(Inclusive of cash deposit at Home & Non-Home Branches)

1000 per Month

Unlimited Free

Unlimited Free

₹ 4000/- + GST per month: if MAB < ₹ 2,50,000/-

₹ 2000/- + GST per month: if MAB > ₹ 2,50,000/-

₹ 2 Lakhs per day

Free for unlimited Amount with prior intimation.

Max. Limit Up to Rs. 50,000/- Thousand per day (self only)

Free

C)

If maintained Float/ MAB (Monthly Average Balance)

1. Free Monthly Cash Deposit Limit
2. Free Cheque leaves
3. NEFT/RTGS
4. Demand Draft
5. Charges for Non-Maintenance of Minimum MAB
6. Maximum Cash Deposit Limit at Non-Home Branch
7. Cash Withdrawal charges at Home Branch
8. Cash withdrawal Charges at Non-Home Branch
9. SMS Alerts

₹ 1,00,000/-

₹ 25 lakh per month.

(Inclusive of cash deposit at Home & Non-Home Branches)

500/- per Month

Unlimited Free

50 draft per month

₹ 2,000/- + GST per month: if MAB

₹ 2 Lakh per day

Free for unlimited amount with prior intimation.

Max. Limit Up to Rs.  30,000/- Thousand per day (self only)

Free.

iii)

Interbranch Cash Deposit Handling Charges:

Cash Deposit Upto ₹ 25,000/-

Cash Deposit Above ₹ 25,000/-

₹ 25/- + GST per instance

₹ 50/- + GST per instance