Account Closure – Recurring Deposit (Exemption in case of

death of depositor)

For closure of account, Inter branch transfer of entire balance in SB/CD account – –

Transferee Branch

For closure of account, Inter branch transfer of entire balance in SB/CD account –

Transferer Branch

Transfer from Home Branch to

other branch in own account

Transfer from Home Branch to

other branch in other than own account

Savings Bank Account: –

Up to 5 cash withdrawals in a month: No charge. Beyond 5 Withdrawals: Rs.50/-+GST per transaction.

Current Accounts (where no CC/OD with our Bank exists):- Up to 5 Cash withdrawal in a month: No Charges

Beyond 5 withdrawals in a month: Rs.100/-+GST per transaction. Note:

Excludes ATM cash withdrawal.

Cash withdrawal to a bearer of cheque upto Rs.20,000/- and self-drawal upto Rs.1,00,000.00 allowed per day for both Savings and Current Deposit accounts, beyond which drawal maybe allowed but against express

consent from the Home Branch.

Chargeable if 50% of the deposit is not held for atleast 48 hours.

Free Limit: 10 times of QAB

Beyond that, Rs.1.50+GST per 1000, minimum Rs.25/- +GST per transaction.

1. Upto 20,000.00 – Rs. 25.00+GST

2. Above 20,000.00 upto 1 lac – Rs. 50.00+GST

1. Above 1 lac upto 3 lac – Rs. 100.00+GST
2. Above 3 lac – Rs. 100.00+GST plus Rs.50.00+GST per lac exceeding 3 lac

SB/CD/CC/OD: Rs.50/-+GST per instrument, Rs.200/- +GST for range-of- cheques

Revoking of Stop Payment: SB – 50/-,+GST CD/CC/OD – 50/-+GST However, if balance is not available, cheque return charges would apply.

Nil. If failed Rs.2/- per Rs.100.00 installment per month in case of Recurring Deposit.

For e-NACH: Inter Bank SI Charges shall apply.

Interest certificate in deposit

accounts

Collection Charge of Local

Clearing / Collection cheques

Upto Rs.5,000/-, charge Rs.25/-+GST

Rs.5,001/- to Rs.10,000/-, charge Rs.50/-+GST

Above Rs.10,000.00 upto

Rs.50,000.00

> Rs.10000 to Rs.1 lac: Rs.100/-+GST

• Rs.1 lac to Rs.5 lac : Rs.150/-+GST
• Rs.5 lacs to 10 lacs : Rs.200/-+GST
• Rs.10 lacs : Rs.250/-+GST

For Financial Reasons:-

Upto Rs.1 lakh: Rs.200/-+GST

Above Rs.1 lakh and upto Rs.1.00 Cr: Rs.300/-+GST Above Rs.1.00 Cr: Rs.1,500/-+GST

+ Return Charges Levied by Clearing Bank

For non-financial / technical reasons due to Customer’s fault: Rs.100/-+GST per cheque.

+ Return Charges Levied by Clearing Bank

Cheque returns due to technical reason- not at the fault of Customer:- No charge.

Cheque returns due to technical reason- not at the fault of Customer: –

No charges.

Issue of Demand Drafts / Banker’s Cheque (payable at par):- Note: 50% of our Bank charges + other Bank

charges if the cheques are collected for another Bank/Society (Owned name). (Exempted for Present Staffs)

Upto Rs.5,000/-, charge Rs.25/-+GST Rs.5,001/- to Rs.10,000/-, charge

Rs.50/-+GST

Above Rs.10,000.00 upto

Rs.50,000.00

Above Rs.1 lac, Rs.3/-+GST per thousand. Minimum Rs.400/-+GST

Maximum Rs.12,000/-+GST

Revalidation / Cancellation of

Draft / Banker’s Cheque

Issuance of Duplicate Draft /

Banker’s Cheque

From SB Accounts: Free

From Business A/cs (over Bank’s Counter / Mobile App): – Upto 10,000/- ~ Rs.2.50 +GST

10,001 to 1,00,000/- ~ Rs.5/-+GST

1,00,001 to 2,00,000/- ~ Rs.15/-+GST

2,00,001 and above ~ Rs.25/-+GST

From SB Accounts: Free

From Business A/cs (over Bank’s Counter / Mobile App): – 2,00,001 to 5,00,000/- ~ Rs.25/-+GST

5,00,001 and above ~ Rs.50/-+GST

upto Rs.1,00,000/-: Rs.2/-+GST per transaction

from Rs.1.0 lac to Rs.5.0 lac: Rs.10/-+GST per transaction Above Rs.5.0 lakhs: Rs.30/-+GST per transaction

Issue of Duplicate receipt of

Gold / TD Loan

Issue of Duplicate letter for cancellation of hypothecation

charge for HV Loan

Rs.300/-+GST per lac

Minimum Rs.900/-+GST, Maximum Rs.18,000/-+GST

However, Customers enjoying CC/OD facility at our Bank shall pay a maximum flat charge of Rs.1,000/- +GST only

Above Rs.10 lac upto Rs.50

lac

Rs.900/- +GST per annum; Fixed Deposit required – 18,000.00 (for 1 year

slab only), Principal to be renewed annually.

24 locker operations / visits per year — FREE

Beyond 24 visits: Rs.100/- +GST per visit.

Rs.1,000/ +GST +actual break-open charges levied by the Service

Provider

Processing Charges (INPC) for credit related items: –

50% of applicable Processing Charges shall have to be collected at the time of submission of Loan Proposal and be kept in Special A/c of respective applicant/concern. On non-Sanction, the entire amount to be refunded in transaction account against application; however, in case of non-availing of the loan facility despite Sanction by Bank Authority, the amount realized in advance shall be NOT be refunded but adjusted towards Processing Charge

+GST

Loan against Bank’s Time Deposit owned by the

borrower

Overdraft against Bank’s Time

Deposit owned by third party

a) Loan upto Rs.50,000.00 : Rs.150/-+GST

b) Loan Rs.50,001.00 to Rs.1,00,000.00 : Rs.200/-+GST

c) Loan Rs.1,00,001.00 to Rs.2,00,000.00 : Rs.300/-+GST

d) Loan Rs.2,00,001.00 to Rs.5,00,000.00 : Rs.500/-+GST

e) Loan Rs.5,00,0001.00 and above: Rs.1,000/-+GST

a) Loan upto Rs.50,000.00 : Rs.150/-

b) Loan Rs.50,001.00 to Rs.1,00,000.00 : Rs.200/-+GST

c) Laon Rs.1,00,001.00 to Rs.2,00,000.00 : Rs.300/-+GST

d) Loan Rs.2,00,001.00 to Rs.5,00,000.00 : Rs.500/-+GST

e) Loan Rs.5,00,0001.00 and above: Rs.1,000/-+GST

(out of pocket expenses towards pledge/assignment and subsequent

cancellation of pledge/reassignment, to be realized separately on actual basis)

Term Loan – Upto

Rs.25,000.00

Term Loan – Above

Rs.25,000.00

0.15% +GST of loan issued, minimum Rs.300/-+GST and maximum

Rs.50,000/-+GST

above Rs.1 lac, 0.50% +GST of loan amount, upto a maximum of

Rs.10,000/- +GST for CIBIL score 750 and above, and maximum Rs.15,000/- +GST for CIBIL score below 750

Cash Credit / Overdrafts –

Upto Rs.25,000.00

Cash Credit / Overdrafts –

Above Rs.25,000.00

0.15%+GST of loan limit, minimum Rs.300/-+GST, maximum Rs.25,000/-

+GST

Interim processing of Sanctioned / Disbursed Loan File

(Resanction / Revalidation / Change of Quotation etc. against specific application by the concerned borrower)

Rs.500/-+GST per instance

(out of pocket expenses towards pledge/assignment and subsequent release, to be realized separately on actual basis)

Rs.150/-+GST (for single issue)

However, in case of CRE-RH Project loans, each NOC (provisional & final) shall be chargeable @ Rs.100/-+GST

Any Duplicate NOC/No Dues Certificate shall be chargeable @ Rs.200/-

+GST

Charges to be borne by the borrower on actual basis for :—

1. Obtention of Title Clearance Report from Advocate on Bank’s approved panel: Once initially and thereafter every three years, throughout the loan tenure;
2. Valuation of Asset from Bank’s approved Civil / Mechanical Valuer (once initially, thereafter every three years throughout the loan tenure);
3. Registration of charges with the office of the Sub-Registrar (wherever applicable);
4. Registration of charge with ROC (wherever applicable);
5. Stamping charges (if any) for execution of documents;
6. Premia for Insurance of property/assets charged to the Bank to be borne by the borrower.

yearly charge of 1.25% +GST of Guarantee amount (Covering Guarantee

period & Claim Period), to be realized before issuance of BG

Same charges as applicable for fresh guarantee except that the claim period be not charged if the renewal is effected before the expiry date of

the guarantee.

1. Ordinary Post — Actual, subject to Min. Rs.50/-+GST
2. Registered / Speed Post/courier/ fax — Actual, subject to Min. 100/-

+GST

Any deliverable return by courier/mail due to negative reason (No such consignee/consignee shifted and no such address):

Rs.100/-+GST per return mail.

Incidental charges for accounts not operated for 1

year

Activation of inoperative

account

For activation of inoperative accounts, no charges will be levied. Incidental charge shall not be levied once the

account becomes inoperative after two years of non-operation of the account. No charge for accounts opened under Pradhan Mantri Jan Dhan Yojna.

Penal interest for late payment

of Recurring Deposits

Photo/ Record copy of

any Cheque previously paid.

For records old upto 6 months: Rs.100/-+GST per cheque.

For records over 6 months: Rs.200/- +GST per cheque.

Meeting customer’s enquiries relating to old

records/ entries (more than 12 months old).

Account Maintenance charges per annum shall be as under: – Current Account-: Rs.300/-+GST

Cash Credit / Overdraft — Limit exceeding Rs.25,000/- : Rs.400/-+GST Not applicable in Dormant Accounts.

Doorstep Banking (DSB)

Charges

Maximum 6 instalments can be paid in a calendar month, beyond which, the extra principal repayment part shall attract charge @ 1%+GST

In case of Takeover (both TL & WC loans), 2%+GST of Takeover amount

Deed of Mortgage Redemption

_ Charges

For each Individual Report: Rs.300/- (including GST)

For each Commercial Report: Rs.2,000/- (Including GST)

GOLDLN released before 3

month

A commitment fee shall be charged for average limit utilization less than 60% of sanctioned limit. The fees will be calculated on quarterly basis @ 0.25% per quarter, only for the portion of limit utilized below 60% (+GST).

For newly disbursed cases (excluding enhancement cases), committment fees will be levied from 2nd quarter onwards from the quarter of disbursement instead of charging from subsequent quarter onwards e.g. if the disbursement date is 9th January 2024, commitment fees will be

calculated on the basis of utilization for quarter starting from 1st July 2024.

Default in submission / delayed submission of

statutory documents

Delay upto 1 month: Grace Period Delay 1 month to 2 months: Rs.300/-

Delay beyond 2 months: Rs.500/- for every month or part thereof.