Service charges Indian Overseas Bank

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					                               Indian Overseas Bank
                           Banking Operations Department
                                   Central Office

Chart on Service Charges effective from 01.04.2012 (Updated on 10.05.2012)

   1. The under mentioned Service charges are inclusive of Service Tax and
      Education cess.
   2. 50% additional Charges will be recovered from Non-Customers

                 Processing Charges for Loans/Advance Proposals

Processing Charges:

FOR FUND BASED LIMITS

    1) For all types of advances under Non-priority and Other priority sectors
(at the time of initial processing, each renewal and adhoc increase)
including term loans under special credit schemes and Working capital.”

 Amount of Loan/Limit                         CHARGES (Rs.)
                            Non-Rural Branches     Rural Branches
Upto Rs. 25,000/-           Nil                    Nil
Above Rs. 25,000/-
Upto Rs. 2,00,000/-         168/-                          134/-
Above Rs. 2,00,000/-        Rs. 204/- per lac or           Rs.153/ per lac or part thereof
                            Part thereof
                            (With a maximum of Rs.10.19 lacs per individual/borrowing
                            unit for working capital advances)

2) For Stand alone Term Loans as well as Term Loans sanctioned with other
facilities.

a) Upfront fee at 1.02% of term loan limit at the time of initial sanction and
b) Financial charges at 1.02% of term loan limit at the time of every review/ renewal
subject to a ceiling of Rs. 5 .09 lakhs.

3) For Short term Agricultural Loans like KCC/ Crop Loans/ AJL up to Rs. 3 lakhs

 Amount of Loan/Limit                            CHARGES (Rs.)
Upto Rs. 25,000/-                                                    NIL
Above Rs. 25,000/-
Upto Rs. 3,00,000/-                                         Rs.112 per lakh

4) Short Term Agricultural Loans like KCC/ Crop loans- other than AJL
   above Rs. 3 lakhs
                                                      Rs.134 per lakh
                                                                                         1
5) For SHG and Govt. sponsored schemes                    NIL



6) For Agricultural Term Loans
 Amount of Loan/Limit                       CHARGES (Rs.)
Upto Rs. 25,000/-                                              NIL
Above Rs. 25,000/-
Upto Rs. 2,00,000/-                                     Rs.112 per lakh
Above Rs. 2 Lakhs         0.57% of the sanctioned Limit

7) For Agricultural Jewel Loans :
 Amount of Loan/Limit                       CHARGES (Rs.)
Above Rs. 3 Lakhs up to 0.29% of the sanctioned Limit- Minimum Rs.1530/-
Rs. One Crore             Maximum Rs.25,470/-
Above Rs. One Crore       0.23% of the sanctioned Limit- Maximum Rs.25,470/-

8) For Jewel Loan to Others :

  Amount of Loan/Limit                      CHARGES (Rs.)
Irrespective of amount    0.57% of the loan amount

9) For Subagruaha/ Other housing Finance scheme Loans :

  Amount of Loan/Limit                      CHARGES (Rs.)
Irrespective of amount    0.58% of the loan amount – Maximum Rs. 10,190/

FOR NON-FUND BASED LIMITS (For all sectors)
 Amount of Loan/Limit                   CHARGES (Rs.)
                      Non-Rural Branches      Rural Branches
Upto Rs. 25,000/-     Nil                     Nil
Above Rs. 25,000/-
Upto Rs. 2,00,000/-   Rs.85/-                 Rs. 67/-
Above Rs. 2,00,000/-  Rs. 102/- per lac       Rs. 76/- per lac


Bills / Cheques for Collection (Including Supply Bills)

Outward / inward collection of cheques / instruments

A: Outstation cheques, demand drafts, interest warrants, dividend warrants,
refund order, income tax refund orders, local/outstation collections from treasury
and post office


For SB account holders:
                                                                                 2
     Amount of the                          CHARGES (Rs.)
       Instrument
Upto & inclusive of        Rs.29/ per instrument
Rs.5000/-
Above Rs.5000/ and up      Rs.56/ per instrument
to and inclusive of
Rs.10,000/
Above Rs. 10000/- upto     Rs.112/ per instrument
Rs. 1,00, 000/-
Above Rs. 1,00,000/        Rs.168/ per instrument
For other accounts:

     Amount of the                          CHARGES (Rs.)
       Instrument
Up to Rs.10,000/       Rs.6/ per 1000 with a minimum of Rs.22/ and
                       maximum of Rs.56/
Above Rs. 10000/- upto Rs.112/ per instrument
Rs. 1,00, 000/-
Above Rs. 1,00,000/    Rs.168/ per instrument


B : Outward collection of Cheques through Speed Clearing :

    Amount of the                           CHARGES (Rs.)
      Instrument
Upto & inclusive      of Rs. NIL
Rs.100000/-
Above Rs. 100000 /         Rs.153 per instrument

1) The above charges are as per RBI framework of Service charges for outstation
Cheque collection.
2) No other charges towards postages/ Out of pocket expenses are to be recovered
from customers.

Outward / inward collection of Bills
(Clean, Documentary, Demand/Usance including supply bills)

      Amount of the                         CHARGES (Rs.)
       Instrument
Upto & inclusive of        Rs.51/- + actual Postages
Rs.5000/-
Above Rs. 5000/- upto      Rs.76/- + actual Postages
Rs. 10000/-
Above Rs. 10000/- but      Rs.6/- per 1000 with a minimum of Rs.102/ +
less than Rs. 1 Lakh       Actual Postages
Rs. 1 Lakh and above but   Rs.6/- per 1000 + Actual Postages
                                                                               3
below Rs.10 Lakhs
Rs.10 Lakhs and above      Rs.6/- per 1000 + Actual Postages
                           Maximum Rs.12730/-

CHARGES FOR BILLS/CHEQUES RETURNED UNPAID
(BOTH INWARD/OUTWARD) :

Category                   Service charges
Local Cheques/bills        For Cheques Outward                              Rs.51/-
(both Inward/ Outward)     For bills both Outward/ Inward                  Rs.51/-
                           Cheques Inward:
                           Up to Rs.25000/                                    Rs.31/-
                           > Rs.25,000 upto Rs. 1 lakh                        Rs.51/-
                           > Rs. 1 lakh up to Rs. 10 Lakhs                    Rs.76/-
                           > Rs.10 Lakhs up to Rs. One Crore                Rs.102/-
                           > Rs. One Crore        Rs.153/- for first three returns
                                                  and Rs.204/- thereafter.
For outward Outstation
Cheques
Upto & inclusive of        Rs.6/- per 1000 with a minimum of Rs.22/- and Maximum
Rs.10000/-                 of Rs. 56/-
Above Rs. 10000/- upto     Rs.112/- per instrument
Rs. 1,00, 000/-
Above Rs. 1,00,000/        Rs.168/- per instrument


Category                   Service charges
For Outward outstation     50% of collection charges stipulated for bills subject to a
bills/ Inward collection   minimum of Rs.51/-
bills
Cheque return charges   Cheques Inward:
for Inward Cheques      Up to Rs.25000/                              Rs.31/-
                        > Rs.25,000 upto Rs. 1 lakh                   Rs.51/-
                        > Rs. 1 lakh up to Rs. 10 Lakhs             Rs. 76/-
                        > Rs.10 Lakhs up to Rs. One Crore          Rs.102/-
                        > Rs. One Crore Rs.153/- for first three returns and
                        Rs.204/- thereafter.
Cheque return charges Up to Rs. 1 Lakh                                 NIL
for returns under Speed > Rs. 1 Lakh                Rs.153/- per instrument
Clearing
ECS-return charges      Up to Rs..25,000/                           Rs.31/-
                        > Rs.25,000 up to Rs. 1 lakh                 Rs.51/-
                        > Rs.1 lakh up to Rs.10 lakhs               Rs.76/-
                        > Rs.10 lakhs up to Rs.1 Crore             RS.102/-
                        > Rs. 1 Crore- Rs.153 for first 3 returns and Rs.204/-
                        thereafter.

                                                                                        4
Remittances (DD/ /TT/RTGS/ NEFT/ECS)
1.REMITTANCES - (DDs/ /TTs)

     Amount of the                           CHARGES (Rs.)
      Instrument
                           Non-              Individuals-        Individuals
                           Individuals       Rural               Non-Rural
Upto & inclusive of                  31                     15                 20
Rs. 1000/-
Above Rs. 1000/- upto                31                     20                 25
Rs. 5000/-
Above Rs. 5000/- upto                31                     20                 31
Rs. 10000
Above Rs. 10000/- upto 2.55 per 1000         1.80 per 1000       2.30 per 1000
Rs. 1 Lakh             Minimum of            Minimum of          Minimum of
                           Rs. 31                Rs. 25             Rs. 31
Above Rs. 1 Lakh       2.30 per 1000         1.55 per 1000       2.05 per 1000
                       Minimum of            Minimum of          Minimum of
                           Rs. 255               Rs.180              Rs. 230 and
                       and Maximum           and Maximum         Maximum of Rs.
                       of Rs. 11,350         of Rs. 11,350       11,350

2) RTGS
Type of transaction                      Service Charges (Rs)
RTGS INWARD              NIL
                              Time of settlement at RBI (w.e.f.01.10.2011)
RTGS-Outward             9.00to 12.00 hrs    After 12.00 to    After 15.30 hrs
                                             15.30 hrs
From Rs. 2 lakhs up to      Rs. 25+S.T        Rs. 26+S.T        Rs. 30+S.T
Rs. 5 lakhs                   i.e Rs. 28       i.e. Rs. 29       i.e. Rs. 34
Above Rs. 5 Lakhs           Rs. 50+S.T        Rs. 51+S.T        Rs. 55+S.T
                              i.e. Rs. 56      i.e. Rs. 57       i.e. Rs. 62
3) NEFT
Type of transaction                                Service Charges (Rs)
NEFT- INWARD                                                               NIL
NEFT-Outward
Up to Rs. 1 lakh                                                        Rs. 6
Above Rs. 1 Lakh up to Rs. 2 lakh                                      Rs. 17
Above Rs. 2 Lakhs                                                      Rs. 29
4) ECS Charges

Type of transaction                      Service Charges (Rs)
ECS- For both Inwards and Outwards
For Individuals                                             NIL
For Corporates                              Rs.2 per transaction

                                                                                    5
                                 Transaction entry Charges
                                    For CD/CC accounts

For accounts with            Free Entries              Charges
average balance ( Daily
average balance)
Up to Rs. 25,000/                               NIL      Rs.66/- for 40 entries
> Rs.25000/but < 50000                          120       Rs.66/- for each additional
                                                                   40 entries
> Rs.50,000 but < 1 lakh                        200      Rs.66/- for each additional
                                                                   40 entries
>Rs. 1 lakh but < 2 lakhs.                      400      Rs.66/- for each additional
                                                                   40 entries
> Rs. 2 lakhs                            All entries          No entry charges


                 Inland Guarantees and Deferred Payment Guarantees

Item of Service                             Charges
INLAND GUARANTEES
For Both                                    -----------------------------------
Performance Guarantees                      Non-Rural Branches
and                                         -----------------------------------
Other than Performance Guarantees           Rs.183 Plus            0.76% per quarter or part
                                            thereof with a minimum of 1.53 %
                                            ----------------------------------
                                            Rural Branches

                                            Rs.143/- plus 0.61% per      quarter or part
                                            thereof with a minimum of 1.27 %


                         Inland Letter of Credit
           SCHEDULE OF CHARGES ON INLAND LETTERS OF CREDIT

          1) A: For all Inland Letters of Credit, the following charges, with a
             minimum of Rs.102/- shall be collected :

                The minimum charges of Rs.102/- (usance + commitment charges)
                stipulated in the schedule would be applicable for both Non-Revolving and
                revolving Letter of Credit.

     a)   Usance charges according to the tenor of the bill at the rate of –

      Sl. No.     Charges                                 Period
      i.          0.31%                                   For bills upto 7 days sight
                                                                                               6
      ii.       0.51%                                    For bills over 7 days and
                                                         upto 3 months sight
      iii.      0.51%                                    For the first 3 months
                plus 0.31%                               In excess of 3 months sight


     b)      A commitment charge for the period of liability (from the date of
             opening of credit to the last date of its validity) at the rate
             of 0.31% for every period of 3 months or part thereof.

If LC is secured by 100% cash margin 25% of the normal charges should be collected.

2) Revolving Letters of credit:

              a) On a revolving credit in addition to the usance charges as (a) above
                 Commitment charge on the Letter of Credit amount shall be levied at
                 the rate of 0.31% (minimum Rs. 255/- ) for every period of 3 months
                 or part thereof for the period of liability from the date of opening of the
                 credit to the last date of its validity.
              b) On each reinstatement, usance charges according to tenor as stated
                 above.

              Commitment charge of 0.31% (minimum of             Rs. 255/-) on reinstated
              amount only.




3) Advising Inland Letters of Credit :

When advising Inland Letters of Credit opened by Correspondent banks (which shall
include Letters of Authority, orders to negotiate), the advising banks shall levy advising
commission at 0.10 percent of each L/C with a minimum of Rs. 140/- and a maximum of
Rs.2290/-. if such credit does not carry the confirmation. A bank shall further charge a
flat commission of Rs. 138/- for advising each amendment to the L/C.


4.     Confirmation of Inland letters of Credit :

If an advising bank confirms a Correspondent’s credit, it should collect a commitment
charge for the full validity of the credit at the rate of 0.31% for every quarter or part
thereof subject to a minimum of Rs. 138/- as well as usance charge according to the
tenor of the bill as per 1 a).

5.     Transferable Letters of credit :



                                                                                          7
When the transfers are made under a Transferable Letter of Credit (whether full or in
part and whether endorsed on the credit itself or not), a flat charge of Rs. 138/- shall be
made for each advice of transfer, except when the name of the beneficiary of the credit
is changed on instructions received directly from the opening bank. The transfer charge
shall be for the account of the first beneficiary of the credit unless otherwise specified.

On all Letters of Credit calling for usance drafts to be drawn on and accepted by banks,
an acceptance commission shall be charged at the rate of 0.31%p.m. with a minimum of
Rs. 138/- p.m.

If a charge is to be collected from the beneficiary and he refuses to pay the charge it
must be collected from the opener (applicant for the credit ).

6.     Negotiation Charges:

The Negotiating branch shall levy negotiation charges at the following rates:

       i)    For bills upto Rs. 2.50 lakhs @ 0.51% with a minimum of Rs.140/-
             For bills over Rs. 2.50 lakhs @ 0.36 % with a minimum of Rs.1325/-

                                          PLUS

       ii)    Discount at applicable rate of interest from the date of negotiation to the
              date of reimbursement

Since the negotiation charges given in the schedule are comprehensive covering both
aspects of cost of handling and cost of funds, as opined by the committee, no further
charges should be applied for the bills negotiated under LCs except the prescribed
negotiation charges and other out of pocket expenses.

If the collecting bank is not the negotiating bank, the charges as applicable to the “
Collection of Bills “ be levied by the collecting bank.


7.     Out of pocket expenses :

All out of pocket expenses such as postages, telephones etc, shall be collected from
the beneficiary unless otherwise specified.

8.     Guarantees on account of discrepancies in documents :

A commission of 0.36% with a minimum of Rs. 138/- shall be charged for joining in
customers’ guarantee and for giving guarantees on behalf of customers to other banks
in respect of discrepancies in documents negotiated under Letters of Credit when
payment received under reserve is credited to the beneficiary’s account. However, no
such charge should be recovered if money received under reserve at the request of the
customer is not parted with.

                                                                                         8
       When called upon to refund payment made to them under reserve (general or
specific reserve), banks will pay to the negotiating bank (in the case of Restricted L/Cs)
the face value of the bill together with interest at the commercial rate of the negotiating
bank plus charges. Interest/charges, if any, would be for customer’s account.


9.      Clean Payment received under Letters of Credit :

       A flat charge of Rs. 138/- will be levied by the beneficiary’s bank for receiving
clean payment and crediting beneficiary’s account.

10.     Certificates :

       When the beneficiary asks for attestation of Commercial Invoice at the time of
negotiation/collection, such attestation, may be done free of charge but should the
beneficiary ask for attestation of invoices on a subsequent occasion then charge of Rs.
20/- per invoice with a minimum Rs. 31/- should be levied on each and every occasion
he finds it necessary to do so.
               SERVICE CHARGES FOR DEFENCE PERSONNEL / PARAMILITARY /
                                    EX-SERVICEMEN :

          Items of Service                            Charges

      i.Standing Instructions a) Standing instructions on behalf of Defence
                              Personnel/Ex-servicemen should be carried out free
                              of charge. However, actual Postal / out of pocket
                              expenses will be Recovered.

      ii.Outward remittances    a) At par remittance to family upto Rs.5000/- per
                                month and one time remittance for payment of
                                school/college fees in a year.
      iii.Collection            a) At par collection of salary / terminal dues.
      of Cheques
                                b) The next kin of the deceased soldiers will be
                                allowed to collect the cheques representing exgratia
                                from Regiments/Units, payment of terminal credit
                                balance, Armed Forces Provident Fund and family
                                pension, free of cost.




                                                                                         9
                         Miscellaneous Services
         Items of Service                                 Charges

1.a) Issue of Duplicate Statement    Flat charges of Rs.41/- for 40 entries


b) Issue of Duplicate Pass book   Flat charges of Rs.31/-
c) Issue of duplicate drafts      Flat charges- Individuals      Rs..51/-
                                  Flat charges- Non-Individuals Rs.102/-
d) Revalidation of drafts         Flat charges- Individuals      Rs..51/-
                                  Flat charges- Non-Individuals Rs.102/-
e) Cancellation of drafts         Flat charges- Individuals      Rs..31/-
                                  Flat charges- Non-Individuals Rs.51/-
f)Standing Instructions           Within same branch for credit to Loan, RD,
                                  Deposits- Free
                                  For others- Rs.31/- per transaction
g) Charges for non-maintenance of Savings Bank accounts Rs.20/- per month
Minimum balance
                                  Current Accounts- Rs.25/- per day –Maximum of
                                  Rs.76/- per month.
                                  For “No frills” account     : NIL
h) Issue of Cheque Books          One cheque with 25 leaves free
–Savings Accounts                 MICR Centres              Non-MICR Centres

                                     Rs.2.55 per cheque       Rs.1.55 per cheque

h) Issue of Cheque Books             MICR Centres             Non-MICR Centres
–Current Accounts                    Rs.3.05 per cheque       Rs.2.00 per cheque
i) Stop payment Instructions         Savings Bank                Current Account
                                     Rs.31/- per instrument Rs.102/- per instrument
                                     Maximum Rs.255/-           Rs.510/-
j) Account closure charges           For With Cheque book accounts       Rs. 76/-
For Savings Bank accounts            For without Cheque Book accounts Rs. 51/-
                                     ( No period restriction)
For Current accounts                 Rs.102/-
k) Charges for No due Certificates   For weaker sections               NIL
                                     For others                       Rs.51/-
l)     Charges      for signature
verification                      Rs.51/-
m) Issue of duplicate interest Rural                              Non- Rural
ertificate/issue     of duplicate Rs.25/-                          Rs.51/-
balance certificate

   Items of Service                                 Charges


                                                                               10
n) Charges for in-operative       If minimum balance is not maintained Rs.31/- per half
accounts                          year.
For   Savings  Bank    –In-       If minimum balance is maintained RS.20 per
Operative                         Half year.(debit of charges not to result in overdraft)
For   Current account    in-      If minimum balance is not maintained Rs.51/- per half
Operative                         year.
                                  If minimum balance is maintained RS.31/- per
                                  Half year. (debit of charges not to result in overdraft)
o)    Charges     for   Godown Executives                     Rs.153/- per hour
Inspection                        Officers                    Rs. 71/- per hour
For Local Godowns                 Award staff                 Rs. 41/- per hour
For outstation Godowns            Actual charges
p)Inspection      charges     for For Loans up to Rs.25,000/       NIL
priority Sector advances
                                  For Loans above Rs.25,000/ Actual charges
q) Cash handling charges          First 10 Sections                NIL
Only for CD/CC accounts           From 11th Section             Rs.10/- per section
                                  (per transaction)
                                  Maximum                       Rs.2550/-
r)     Issue     of    Solvency Up to Rs. 2 Lakhs              Rs.255/-
Certificates                      > Rs. 2 lakhs                Rs.102/- per lakh
                                  With a maximum of Rs. 10,190/-
s) Charges for credit reports/ Rs.102/-
Opinion on parties to other
Banks
t) Charges for enquires relating                        Rural      Non-Rural
to old records ( more than 12 Individuals              Rs.25         Rs.51
months)                                                  Per item/ query
                                  For Non-Individuals 51              102
                                                         Per item/ query
u) Record copy of Cheque/ Individuals                   Rs. 51 per item
Other instruments
                                  Non-Individuals       Rs. 102 per item
v) Issue of duplicate deposit
receipt                                                  Rs.51 per receipt
w) Issue of deposit at call
                                                         Rs.51 per receipt
x) Mortgage charges               0.61% of Fund based/ Non-Fund based limit with a
from borrowers in respect of minimum of Rs. 610/- and a maximum of
mortgage of properties by Rs.6110/-
borrowers/ third parties either
by equitable mortgage or
registered mortgage
Items of Service                  Charges
y) Commitment charges on 0.51% per annum subject to a tolerance level of 20% of
Working Capital Fund based, each limit.
Non-Fund based limits and
                                                                                   11
Term Loans for Rs.50 lakhs
and above
z) Pre-payment charges     For Subagruha Scheme Loans- No prepayment charges
                           when paid by the borrower out of their own sources.
                           When taken over by another Bank/ financial Institutions
                           and for all other Loans 1.02% of the pre-paid amount
                           irrespective of amount of loan and irrespective of
                           residual period is to be collected.



.




                              IX CBS Charges

Nature of Service       Charges (Rupees)              Additional Instructions




                                                                                12
Remittances from   For Intra City                Savings Bank account
Home branch                                      holders with a minimum
                   For Cash transactions         balance of Rs.5000 and
                                                 Current accounts with
                   For both Savings Bank and minimum balance of Rs.
                   Current account holders       50,000/ are eligible for 3
                                                 free remittances per month
                   Up to Rs.10,000     NIL Above not exceeding the average
                   Rs.10,000 up to Rs.99,999/ - balance of previous month.
                   Rs.6/     per transaction

                   Rs.1 lakh to belowRs.5 lakhs
                   Rs.29/   Per transaction

                   Rs 5 lakh and               above
                   Rs.56/per transaction

                   For Transfer transactions

                   For Intra City ( within the same
                   Centre) alone

                   Up to Rs. 1 Lakh NIL

                    Above Rs.1 lakh to belowRs.5
                   lakhs          Rs.29/     Per
                   transaction

                   Rs 5 lakh and               above
                   Rs.56/per transaction .




                   For intercity

                   For Cash and              transfer
                   transactions

                   For both Savings Bank and
                   Current account holders

                   Up to Rs.10,000     NIL Above

                                                                        13
                   Rs.10,000 up to Rs.99,999/ -
                   Rs.6/    per transaction

                   Rs.1 lakh to belowRs.5 lakhs
                   Rs.29/   Per transaction

                   Rs 5 lakh and            above
                   Rs.56/per transaction

                   For Current/ Cash Credit
                   account        holders      for
                   remittances by cash- Cash
                   handling charges as applicable
                   in addition to the above
                   charges is to be collected.




Remittances from   For Intra City
Non-Home branch
                   For Cash transactions

                   For both Savings Bank and
                   Current account holders

                   Up to Rs.10,000 NIL Above
                   Rs.10,000 up to Rs.99,999/ -
                   Rs.6/     per transaction

                   Rs.1 lakh to belowRs.5 lakhs
                   Rs.29/   Per transaction

                   Rs 5 lakh and above Rs.56/per
                   transaction

                   For Transfer transactions

                   For Intra City ( within the same
                   Centre) alone

                   Up to Rs. 1 Lakh NIL

                    Above Rs.1 lakh to belowRs.5
                   lakhs          Rs.29/     Per
                   transaction

                   Rs 5 lakh and above Rs.56/per
                                                      14
transaction.

For Inter City for both cash
and transfer transactions

Up to Rs.99,999/     Rs.6/-

1 lakh and above but below 5
lakhs     Rs.29 /-

Rs.5 lakhs and above

Rs.56/- Per transaction

For Current/ Cash Credit
account holders for remittances
by    cash-     Cash    handling
charges as applicable in
addition to the above charges is
to be collected.

For non customers cash
handling charges in addition to
the CBS charges as below:

First 10 sections free

From 11th section Rs.10/- per
section.




                                   15
Payments at Non-home      For Intra City( within the same Centre)
branches
                           For both Savings Bank and Current account
                          holders

                          For Cash transactions

                          Up to Rs.10,000  NIL       Above Rs.10,000
                          up to Rs.99,999/ -         Rs.6/       per
                          transaction

                          Rs.1 lakh to belowRs.5 lakhs          Rs.29/
                          Per transaction

                          Rs 5 lakh and above Rs.56/per transaction

                          For Inter City

                          Up to Rs.99,999/    Rs.6/- Per transaction

                          1 lakh and above but below 5 lakhs
                          Rs.29 /- Per transaction

                          Rs.5 lakhs and above

                          Rs.56/- Per transaction

For Updating Pass         Rs.10/ for 40 entries at Non-home branches
books                     for other than SB account holders.

For deposit of Clearing   Rs.10/ per instrument at Non-home
Instruments               branches for other than SB account holders.




                Safe Deposit Lockers and Safe Custody charges

Safe Custody:
       Items of Service                              Charges



                                                                         16
Sealed covers                     Rs.204/- per cover per annum or part thereof
(keys, wills, other papers sealed payable in advance
in a single envelope)
Sealed Boxes                      Rs.509/- per annum payable in advance per
                                  box
Small packages                    Rs.102/- per quarter or part thereof payable in
                                  advance per package

Safe Deposit Lockers: -Rentals
         Items of Service                                Charges
Locker Type                            Metro/ Urban         Rural/ Semi-urban


Type A (539 Cubic inches)                         870                        460
Type B (858 Cubic inches)                       1170                         660
TypeC (1186 Cubic inches)                       1430                         760
TypeD( 1337 Cubic inches)                       1530                         870
TypeE( 1872 Cubic inches)                       2040                        1170
Type F (2767 Cubic inches)                      2600                        1480
TypeG( 2843 Cubic inches)                       2600                        1780
TypeH( 3986 Cubic inches)                       3570                        2190
Type H1 ( 1828 Cubic inches)                    1830                        1170
TypeK( 6412 Cubic inches)                       5450                        3310
TypeL ( 6296 Cubic inches)                      5450                        3310
Type L1 (4671 Cubic inches)                     4130                        2600
Type L 2 ( 6117 Cubic inches)                   5450                        3310
       Items of Service                               Charges
Charges        For       Visits/ Rs.51/- per operation over and above 24 free
Operations                       operations in a year

For delay in remittance of Rs.20 per month as penalty
Locker rentals
For Loss of Locker keys    Rs.204/- in addition to break opening charges




                              For I.T related products

Charges for ATM/ VISA Cards


        Items of Service                                 Charges


                                                                                    17
Issue of new VISA ATM cards                                                 NIL


Renewal of VISA/ATM cards                                                    NIL
Annual fees for ATM Debit                                               Rs.112/-
cards
Re-issue of cards, if Lost/                                             Rs.112/-
stolen/ damaged
Re-issue of PINS                                                          Rs.22/
                                                                              -
Smart Cards                                                                 NIL
For usage of ATM cards at                             FREE
Merchant establishments
For usage of ATM cards at    Surcharge at the rate of 2.55% of transaction
Petrol Pumps                 amount      or Rs.10 whichever is higher
For usage booking of train   Surcharge at the rate of 2.55% of the transaction
tickets through internet     amount .
Charges for ATM transactions Cash withdrawal by SB account holders from other
                             Bank ATMs-Free-5 transactions per month.
                             Thereafter Rs.20 per transaction.
                             For other account holders:
                             NO FREE- For all transactions Rs.20 per
                             transaction.
Cheque Book request through Rs.61/- per request
ATM
Payment Gateway transactions For our Bank Debit/ Credit card holders
                             Rs.10 per transaction
                             For other Bank Debit/ Credit card holders at 1.80%
                             (plus applicable Service tax) of the transaction
                             amount with a minimum of Rs.15/-




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