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					Date: 30.10.2008
              SPECIFIC ITEMS FOR WHICH RATE ARE VALID TILL 30.11.2008


1.   ISSUANCE OF DEMAND DRAFT

      Amount Slab                                 Existing Rates
      Up to Rs. 1,000                             Rs. 20
      Above Rs.1,000 up to Rs. 5,000              Rs. 30
      Above Rs. 5,000 up to Rs.10,000             Rs. 35

      Above Rs.10,000                             Rs. 2.50 per Rs. 1,000 or part thereof,
                                                  Minimum Rs. 40, Maximum Rs. 12,000

     Note:
       i. In case of DD issued against cash, additional 50% charges will be levied.
       ii. Postage/out of pocket expenses will be levied extra as the case may be.

2.   COLLECTION OF OUTSTATION CHEQUES


      Amount Slab                           Existing Rates
      Up to Rs.1,000                        Rs. 25

      Above Rs. 1,000 up to Rs.10,000       Rs. 45

      Above Rs.10,000 up to Rs.1 lac.       Rs. 4.50 per Rs. 1,000 or part thereof

      Above Rs.1 lac.                       Rs. 3.50 per Rs. 1,000 or part thereof,
                                            Minimum Rs. 450, Maximum Rs. 25,000

     Note :        Actual Postage / out of pocket expenses will be levied extra.

3.   CLOSURE OF ACCOUNTS @

      Type of Account                       Existing Rates
      Savings Bank A/c
        With Cheque Book                    Rs. 100
        Without Cheque Book                 Rs. 50
      Current A/c                           Rs. 150
     Note : @ The Service Charges are levied if the A/c. is closed within one year of opening,
              excepting on the following case –
              a)      Where Account is transferred to another branch,
              b)      Opening of another A/c in joint names,
              c)      Death of the A/c holder,
              d)      Pensioner without Cheque Book.




                                                     1
4.   Minimum Balance Criteria for Savings Bank Account


                                                              Existing Rates
      Name of the Items
                                                    Rural Branch      Other Branch
      With Cheque Book for general                  Rs. 500           Rs. 500
      With Cheque Book for pensioners               Rs. 250           Rs. 250
      Without Cheque Book for general               Rs. 100           Rs. 100
      Without Cheque Book for pensioners.           Rs. 5             Rs. 20
5.
     CHEQUE BOOK CHARGES FOR SB/CURRENT/CC/OD ACCOUNTS


      Name of the Items                             Existing Rates
      MICR Cheques:
                                                    Rs. 2.50/Cheque leave
      Savings Bank A/c, Current, CC, OD A/c
      Non-MICR Cheques:
                                                    Rs. 2.00/Cheque leave
      Savings Bank A/C Current, CC, OD A/c
     Note :
     I.       60 cheque leaves will be allowed free to S.B. individual A/c. holders in a
              calendar year.
     II.      For cheques for the purpose of Post Dated Cheques (PDC) for our bank, no
              charges should be levied. However, for repayment of loans to other
              banks/FIs, double of usual charges shall be realized.

6.   INTERNATIONAL DEBIT-Cum-ATM CARD SERVICE

      Name of the Items                       Existing Rates
      Membership fee                          Nil
      Late Payment fee                        Nil
      Interest Charges                        Nil
      Annual fee                              Rs.100 per annum, (Waived for 1st year)
      Renewal Charges                         Rs.100
      Card Replacement Charges                Rs.100
      For Duplicate PIN                       Nil
      Transaction Charge for using Bank’s
                                              Nil
      Own ATM
      Transaction Charge for Partner Banks    Rs.20 for Cash Withdrawal & NIL for
      connected through NFS Network           Balance Enquiry

                                              (Inclusive of Service Tax)
      Transaction Charge for Banks            Rs.20 for Cash Withdrawal &
      connected through VISA Network          NIL for Balance Enquiry
      (India)                                 (Inclusive of Service Tax)


                                               2
     Transaction Charge for Banks                   Rs.140 for Cash Withdrawal &
     connected through VISA Network                 Rs.34 for Balance Enquiry
     (Abroad)                                       (Inclusive of Service Tax)
     Point of Sale (POS) Transaction
                                                    Nil
     Charges
     Using Card at Petrol Pumps                     2.50% or Rs.10 Minimum
     Using Card for Railway Ticket
                                                    2.50%
     Reservations




                                        NFS MEMBER BANKS

     1     ALLAHABAD BANK         2    DEVELOPMENT               3     KAUR VYSYA BANK
                                       CREDIT BANK
     4     ANDHRA BANK            5    ICICI BANK                6     ORIENTAL BANK OF
                                                                       COMMERCE
     7     AXIS BANK              8    IDBI BANK                 9     PUNJAB NATIONAL BANK
     10 BANK OF BARODA            11 INDIAN BANK                 12    SOUTH INDIAN BANK
     13 BANK OF                   14 INDIAN OVERSEAS             15    TAMILNAD MERCATILE
           MAHARASTRA                  BANK                            BANK
     16 CANARA BANK               17 INDUSIND BANK               18    THE COSMOS CO-
                                                                       OPERATIVE BANK LTD.
     19 CATHOLIC SYRIAN           20 JAMMU KASHMIR               21    THE DHANALAKSHMI BANK
           BANK                        BANK LTD.                       LTD.
     22 CITY UNION BANK           23 KARNATAKA BANK              24    HDFC BANK
     25 CORPORATION               26 STATE BANK OF               27    UNITED BANK OF INDIA
           BANK                        INDIA
     28 DENA BANK                 29 UNION BANK OF               30    VIJAYA BANK
                                       INDIA
     31 YES BANK                  32 BANK OF INDIA


7.   OTHER ITEMS
         Name of Items                                       Revised Rates
         Issuance of Statement                               Rs.40 for Latest entry
                                                             Rs.50 for previous Entry/page

     NOTE:
             P & T and other out of pocket expenses to be realized on actual basis over and
             above the Service Charges,
             „Service Tax‟ to be levied extra as per circularized instruction.




                                                     3
                                          INDEX
  Sl. No.                                Name of Items
Section A   DEPOSIT ACCOUNTS & OTHER MISCELLANEOUS ISSUES
  1.        ISSUANCE/ CANCELLATION/ DUPLICATION/REVADATION OF DD/MT/TT/ BANKERS‟
            CHEQUE / PAY ORDER
  2.        COLLECTION OF OUTSTATION CHEQUES
  3.        COLLECTION OF BILLS
  4.        HANDLING CHARGES FOR CHEQUES / BILLS RETURNED UNPAID
  5.        CLOSURE OF ACCOUNTS
  6.        PENAL CHARGES FOR FALL IN MINIMUM BALANCE
  7.        MINIMUM BALANCE CRITERIA FOR SB/CURRENT ACCOUNT
  8.        CHEQUE BOOK CHARGES FOR SB/CURRENT/CC/OD ACCOUNTS
  9.        LOCKER RENT/DISCOUNTS FOR PAYING LOCKER RENT IN ADVANCE/PENAL CHARGES
            FOR LOCKER RENT IN DEFAULT
  10.       SAFE CUSTODY CHARGES
  11.       ISSUANCE OF SOLVENCY CERTIFICATES
  12.       ELECTRONIC FUND TRANSFER (EFT)
  13.       NATIONAL ELECTRONIC FUND TRANSFER (NEFT)/INDO-NEPAL NEFT
  14.       REMITTANCE THROUGH „RTGS‟
  15.       ELECTRONIC CLEARING SERVICES (ECS) AND CREDIT/DEBIT CLEARING
  16.       INTERNATIONAL DEBIT-CUM-ATM CARD SERVICE
  17.       OTHER ITEMS
Section B   CREDIT RELATED ISSUES
     1.     1.A PROCESSING & PREPAYMENT FEES FOR RETAIL CREDIT/SCHEMATIC ADVANCE
            1.B PROCESSING FEES FOR SANCTION/RENEWAL OF ADVANCES
     2.     LEAD BANK CHARGES
     3.     UPFRONT/PROCESSING FEES FOR TERM LOAN
     4.     CHARGES FOR CREATION OF MORTGAGES AND DOCUMENTATION
     5.     INSPECTION & SUPERVISION CHARGES
     6.     COMMITMENT CHARGES
     7.     CHARGES ON PURCHASE / DISCOUNT OF CHEQUES/BILLS
     8.     COMMISSION ON BANK GUARANTEE
     9.     CHARGES ON INLAND LETTER OF CREDIT (LC)
    10.     PREPAYMENT CHARGES FOR LOANS OTHER THAN RETAIL CREDIT
Section C   FOREIGN EXCHANGE RELATED ISSUES
     1.     IMPORT TRANSACTIONS
     2.     EXPORT TRANSACTIONS
     3.     CERTIFICATES & OTHERS
     4.     MISCELLANEOUS INSTRUCTIONS
     5.     DISCRETIONARY POWERS
Section D   DP CHARGES FOR BENEFICIARY ACCOUNTS
Section E   CONCESSIONS ON VARIOUS ISSUES
      1.    CONCESSIONS ON MISCELLANEOUS ITEMS
      2.    CONCESSION ALLOWED TO STAFF/EX-STAFF MEMBERS/ DEFENCE/PARAMILITARY
            PERSONNEL/EX-SERVICEMEN/SENIOR CITIZENS/PENSIONERS
       3.   FACILITY FOR FREE TRANSFER OF FUNDS FOR RRBs/EXEMPTION ON SERVICE
            CHARGES ON PRIORITY SECTOR
      4.    FREE COLLECTION/REMITTANCE FACISLITIES
      5.    CONCESSIONS REGARDING CREDIT RELATED ITEMS
Section F   CORE BANKING SOLUTION (CBS) AND CHEQUE TRUNCATION (CTS)
            RELATED ISSUES
       1    SERVICE CHARGES OF „ANYWHERE BANKING FACILITY‟
       2    SERVICE CHARGES OF „MULTI CITY CHEQUE (MCC) FACILITY‟ /CHEQUE TRUNCATION




                                              4
         Section ‘A’




     DEPOSIT ACCOUNTS
             &
OTHER MISCELLANEOUS ISSUES




             5
                                        SECTION ‘A’


                SERVICE CHARGES FOR DEPOSIT ACCOUNTS
                    & OTHER MISCELLANEOUS ISSUES


1(A). ISSUANCE OF DEMAND DRAFT/MT/TT/BANKER’S CHEQUE/PAY ORDER
     (w.e.f. 01.12.2008 for DD only)
      Amount Slab                             Revised Rates
      Up to Rs. 1,000                         Rs. 25
      Above Rs.1,000 up to Rs. 5,000          Rs. 35
      Above Rs. 5,000 up to Rs.10,000         Rs. 40

      Above Rs.10,000                         Rs. 3.00 per Rs. 1,000 or part thereof,
                                              Minimum Rs. 40, Maximum Rs. 15,000
     Note:
       iii. In case of DD/BC/PO issued against cash, additional 50% charges will be levied.
       iv. Postage/out of pocket expenses will be levied extra as the case may be.


1(B). DUPLICATION/ REVALIDATION/CANCELLATION DD/BC/PO

      Name of Items                                     Revised Rates
      Issuance of Duplicate /Revalidation/              10% of the Amount
      Cancellation of DD/BC/PO                          (Rounded upto nearest Rupees)
                                                        Maximum Rs. 100 per Instrument


2.   COLLECTION OF OUTSTATION CHEQUES*(w.e.f. 01.12.2008)

      Amount Slab                        Revised Rates

      Up to Rs.10,000                    Rs. 50 per instrument

      Above Rs.10,000 up to Rs.1 lac.    Rs. 100 per instrument

      Above Rs.1 lac.                    Rs. 150 per instrument


     *Note : The above charges will be all inclusive. No additional charges such as Courier
             Charges, Out of Pocket Expenses should be levied from the customers.


3.   COLLECTION OF BILLS

      Name of the Items                  Revised Rates
      Up to Rs.10,000                    Rs. 100 per Instrument
                                         Rs. 10 per Rs. 1,000 or part thereof,
      Above Rs.10,000
                                         Maximum Rs. 30,000

     Note:   Actual Postage/out of pocket expenses will be levied extra.




                                                6
4.       HANDLING CHARGES FOR CHEQUES / BILLS RETURNED UNPAID

          Name of Items                       Revised Rates
          Local Cheques/Bills                 Rs.   50 per cheque for SB
                                              Rs.   75 per cheque for other
                                              Rs.   75 per bill
          Outstation Cheques/Bills            Rs.   75 per cheque for SB
                                              Rs.   100 per Cheque for Other
                                              Rs.   150 per Bill

         Note: The above charges are to be realized under intimation to the party. Postage
               will be realized extra.

5.       CLOSURE OF ACCOUNTS(w.e.f. 01.12.2008) @
          Type of Account                     Revised Rates
          *Savings Bank A/c
                                              With Cheque Book – Rs.100
            With Cheque Book
                                              Without Cheque Book – Rs. 75
            Without Cheque Book
          Current A/c                         Rs. 200

         Note : @ The Service Charges are levied if the A/c. is closed within one year of opening,
                excepting on the following case –
                 d)   Where Account is transferred to another branch,
                 e)   Opening of another A/c in joint names,
                 f)   Death of the A/c holder,
                 d)   Pensioner/Sr. Citizens without Cheque Book.
               At the time of closure of accounts within one year of the opening, if the balance
                available is insufficient to cover up the above charges, the available balance in the
                account will be forfeited and no extra amount to be claimed.
               No charges will be levied if the account is closed after one year of opening.
               Postage/Courier and out of pocket expenses to be realized on actual basis over and
                above the Service Charges.
6.0      PENAL CHARGES FOR FALL IN MINIMUM BALANCE
          Name of Items                                     Revised Rates
          Savings Bank with Cheque Book                     Rs. 20 per Month
          Savings Bank without Cheque Book                  Rs. 10 per Month
          Pensioners/Sr. Citizens
          SB with Cheque                                    Nil
          SB without cheque
          Current A/c : Individual                          Rs. 100 per Occasion
          Current A/c : Others.                             Rs. 150 per Occasion

      Note:
      1. There is no charge to be levied in No frills S B Account. However, if the No Frills SB account
         is converted into Normal SB account, the usual Service Charges would be applicable.
      2. The above penal charges are to be realized under intimation to the party.
      3. Senior Citizens are to be informed after the first default that they should make good the gap.
         If the default continues after this, the Senior Citizen should be advised to change the account
         from a cheque account to non-cheque account and apply penal charges later.
      4. The above charges would be levied on Non-CBS branches. However, for CBS branches,
         charges would be levied on QAB.




                                                        7
7.    Minimum Balance Criteria for Savings Bank Account(w.e.f. 01.12.2008)



       Name of the Items                                                   Revised Rates

       With Cheque Book for general                                     Rs. 500 for Rural/SU
                                                                      Rs. 1000 for Metro/Urban
       With Cheque Book for pensioners/Sr. Citizens                           Rs. 250
       Without Cheque Book for general                                 Rs. 100 for Rural/SU
                                                                      Rs. 500 for Metro/Urban
       Without Cheque Book for pensioners/Sr. Citizens                Rs. 20 Metro/Urban/SU
                                                                           Rs. 5 for Rural



7.1   Minimum Balance Criteria for Current Account


       Name of the Items                                        Revised Rates
                        Rural        Other
                        Branch       Branch
       Individual                                 Rs. 1,000    Rs. 3,000
       Others.                                    Rs. 2,500    Rs. 5,000


8.    CHEQUE BOOK CHARGES FOR SB/CURRENT/CC/OD ACCOUNTS(w.e.f. 01.12.2008)


       Name of the Items                                 Revised Rates
       MICR Cheques:
       Savings Bank A/c, Current, CC, OD A/c
                                                         Rs. 2.50 per Cheque leave
       Non-MICR Cheques:
       Savings Bank A/C Current, CC, OD A/c

      Note :
      I.       60 cheque leaves will be allowed free to S.B. individual A/c. holders in a calendar
               year.

      II.      For cheques for the purpose of Post Dated Cheques (PDC) for our bank, no charges
               should be levied. However, for repayment of loans to other banks/FIs, double of
               usual charges shall be realized.

      III.     Free Cheque Book Facility for all Current Accounts (Old & New) for maintaining
               Rs. 50,000 and above Minimum Balance regularly.




                                                     8
9(A) LOCKER RENT

     Type            Inner          Classification                Revised Rates
                    Volume                               Metro/Urban   Semi Urban/ Rural
                  (Cu. Inches)                             Branch            Branch
      A*           539            Small                        900                    750
      B            859            Medium                      1200                   1000
      C*           1186           Medium                      1500                   1250
      D            1337           Medium                      2000                   1600
      HI           1828           Large 1                     2500                   2000
      E            1878           Large 1                     2500                   2000
      F*           2786           Large 2                     3000                   2500
      G            2844           Large 2                     3000                   2500
      H            3987           V.L                         5000                   4000
      L            6297           E.L                         6000                   6000

     Note: Branches can charge higher rent depending upon charges of other Banks in the centre.


9(B) DISCOUNTS FOR CUSTOMERS PAYING LOCKER RENT IN ADVANCE


      Locker Rent paid in Advance                                Revised Rates
      If Locker Rent of 3 years paid in advance                  10% Discount
      If Locker Rent of 5 years paid in advance                  15% Discount

9(C) PENAL CHARGES FOR LOCKER RENT IN DEFAULT


      Size of the Locker                             Revised Rates
      Small & Medium                                 Rs. 50 per Quarter or part thereof
      Large                                          Rs. 75 per Quarter or part thereof
      VL & EL                                        Rs. 125 per Quarter or part thereof

     Note :

     a.    In case of loss of keys, locker rent of one year plus actual cost of repairing to be realized.
     b. New rental charges to be informed to the customers and are applicable at the time of
        renewal only.
     c. Free Locker Rent for the first year for all Current Account holders (old & new) maintaining
          minimum balance of Rs.25,000 & above on regular basis vide IC No. 10135/PLG/2008-
          09/01 dated 09.08.2008.
     d. The locker rents are to be realized in the 1st quarter of the financial year i.e. within 30th
          June. Any default or not maintaining the requisite balance in the account will attract penalty
          charges (excluding Staff members of the Bank).




                                                     9
10.    SAFE CUSTODY CHARGES
        Name of Items                        Revised Rates
        Scrips                               Rs. 5 per Scrip or part thereof, Minimum Rs. 100
        Sealed Covers.                       Rs. 250 per Cover
        Sealed Boxes                         Rs. 2,000 per Box
        Bank‟s own Deposit Receipt           Nil

11.    ISSUANCE OF SOLVENCY CERTIFICATES

         Amount Slab                                       Revised Rates
         Up to Rs.5 lacs                                   Rs. 1,000
         Above Rs.5 lacs up to Rs.10 lacs                  Rs. 2,500
         Above Rs.10 lacs up to Rs.25 lacs                 Rs. 3,000
         Above Rs.25 lacs upto Rs. 50 lacs                 Rs. 7,500
         Above Rs. 50 lacs                                 Rs. 15,000

12.    ELECTRONIC FUND TRANSFER (EFT)#

        Amount Slab                          Revised Rates
        Up to Rs.50,000                      Rs. 20 per Transaction
                                             Rs. 0.50 per Rs. 1,000 or part thereof,
        Above Rs.50,000
                                             Minimum Rs. 50, Maximum Rs. 1,000

13.A NATIONAL ELECTRONIC FUND TRANSFER (NEFT)#

        Amount Slab                          Rates
        Outward Remittances
        Up to Rs.1,00,000                    Rs. 5 per Transaction
        Above Rs.1 lac                       Rs.25 per transaction
        Inward Remittances
        Any Amount                           Nil

13.B   INDO-NEPAL NEFT REMITTANCE CHARGES
[I]    For beneficiaries maintaining accounts with Nepal State Bank Ltd. (NSBL):
       For remittance from a bank account in India to a bank account with any branch of Nepal
       State Bank Ltd., there shall be no charge i.e the remittance is free of charge.
[II]   For beneficiaries not maintaining account with Nepal State Bank Ltd. (NSBL);
       If the beneficiary is not maintaining any account with NSBL, and the funds are distributed
       through the channel of the Agents of NSBL:
       (i)       All remittances (cash remittances/ disbursements) up to INR. 5,000/-, a flat charge
                 of INR. 50/- inclusive of Service Tax for every remittance.
       (ii)      Remittances (cash remittances/ disbursements) above INR. 5,000/- and up to INR.
                 50, 000/- a flat charge of INR. 75/- inclusive of service tax.
       These charges will be passed on to NSBL who in turn will share the same with the affiliated
       Money transfer agencies.
       The entire amount of charges collected from the remitter would be remitted to Nepal and
       would form a part of the message format. Thus, the remitting banks in India originating
       remittances under the scheme would transfer funds free of charge.




                                                   10
14.    REMITTANCE THROUGH ‘REAL TIME GROSS SETTLEMENT’ (RTGS)#

           Name of Items                                                      Revised Rates
           Local Inward Remittance                   Nil
           Outstation Inward Remittance              Nil
           Local Outward Remittance                  Nil
           Outstation Outward Remittance
                            Rs.1 to 5 lacs Rs.25 per transaction
                           Rs. 5 lacs & above Rs.50 per transaction
              #:       CONCESSIONS

              1.   Zonal Head/Branch Head of Scale-V & above may be authorised to allow upto 100% concession (free)
                   of Service Charges on Remittance through EFT/NEFT/RTGS to the constituents on merit basis.

              2.   Branch Head may be authorised to allow upto 50% concession of Service Charges on Remittance
                   through EFT/NEFT/RTGS to the constituents on merit basis.

              3.   These charges shall be applicable for all types of transactions, including inter-bank funds transfers.


15.0   ELECTRONIC CLEARING SERVICES (ECS)
       The Service Charges on Electronic Clearing Services (ECS) is to be levied only on Corporate
       Bodies/Institutions. Rs.40/- per entry would be charged from all types of accounts for returning
       of Instruments unpaid due to insufficient funds in case of Debit Clearing.

15.1   ECS Charges for Credit Clearing

           Number of Entries                       Revised Rates
           Up to 10,000 entries                    Rs. 3 per entry + RBI or Destination Bank Charges if any.
           Above 10,000 up to 1 lac                Rs. 2 per entry + RBI or Destination Bank Charges if any.
           entries                                 Minimum Rs. 30,000
                                                   Re. 1 per entry + RBI or Destination Bank Charges if any.
           Above 1 lac entries
                                                   Minimum Rs. 2,00,000

15.2   ECS Charges for Debit Clearing

           Name of the Items                               Revised Rates
                                                           Re. 1 per transaction + RBI or Destination Bank
           Debit Clearing
                                                           Charges if any, Minimum Rs. 2,750
           Returning Charges on account of
                                                           Rs. 40 per entry from all types of accounts
           insufficient funds
           Full waiver in respect of Income
                                                           Nil
           Tax Refund Orders

15.3   ECS Charges for Sponsor Bank, Destination Bank and/or RBI

           ECS Charges                           Revised Rates
           Sponsor Bank                          RBI or Destination Bank Charges if any, Minimum Rs. 2750
           Charges payable to
                                                 On actual basis, i.e. as waived/by the guidelines of RBI
           Destination Bank and/or RBI




                                                             11
16.    INTERNATIONAL DEBIT-Cum-ATM CARD SERVICE (w.e.f. 01.12.2008)


Name of the Items                                         Revised Rates

Membership fee                                            Nil

Late Payment fee                                          Nil

Interest Charges                                          Nil

Annual fee                                                Rs.100 per annum, (Waived for 1st year)

Renewal Charges                                           Rs.100

Card Replacement Charges                                  Rs.100

For Duplicate PIN                                         Nil

Transaction         Charge          for        using
                                                          Nil
Bank’s Own ATM
Transaction Charge for Partner Banks in India             Nil for Cash Withdrawal and/or Balance Enquiry
connected through NFS/VISA Network
Transaction Charge for Banks connected                    Rs.125 for Cash Withdrawal &
through VISA Network (Abroad)                             Rs.30 for Balance Enquiry
Point of Sale (POS) Transaction Charges                   Nil

Using Card at Petrol Pumps                                2.50% or Rs.10 Minimum

Using Card for Railway Ticket Reservations                2.50%




                                            NFS MEMBER BANKS

       1     ALLAHABAD BANK          2    DEVELOPMENT CREDIT BANK     3     KAUR VYSYA BANK
       4     ANDHRA BANK             5    ICICI BANK                  6     ORIENTAL BANK OF COMMERCE
       7     AXIS BANK               8    IDBI BANK                   9     PUNJAB NATIONAL BANK
       10    BANK OF BARODA          11   INDIAN BANK                 12    SOUTH INDIAN BANK
       13    BANK OF MAHARASTRA      14   INDIAN OVERSEAS BANK        15    TAMILNAD MERCATILE BANK
       16    CANARA BANK             17   INDUSIND BANK               18    THE COSMOS CO-OPERATIVE BANK LTD.
       19    CATHOLIC SYRIAN BANK    20   JAMMU KASHMIR BANK LTD.     21    THE DHANALAKSHMI BANK LTD.
       22    CITY UNION BANK         23   KARNATAKA BANK              24    HDFC BANK
       25    CORPORATION BANK        26   STATE BANK OF INDIA         27    UNITED BANK OF INDIA
       28    DENA BANK               29   UNION BANK OF INDIA         30    VIJAYA BANK
       31    YES BANK                32   BANK OF INDIA




                                                           12
17.       OTHER ITEMS (w.e.f. 01.12.2008 Issuance of Statement only)
  Name of Items                                                  Revised Rates
  Issuance of Duplicate Pass Book/Statement                      Rs. 50 Latest entry
                                                                 Rs.60 for previous Entry/page
  Ledger Folio Charges for CT A/c, CC A/c & OD A/c               Rs.60 per Ledger Page
  Issuance of additional Statement of Accounts for CT            Rs.60 per Additional Statement
  A/c, CC A/c & OD A/c                                           1 month free
  Remittance against Tender of Cash                              50% over & above normal rate
  Issuance of Call Deposit Receipts                              Nil
                                                                 Rs.35/- per transaction – other Branch.
                                                                 Note: If the standing instructions could not be carried out
                                                                 for insufficient balance in the account the charge of Rs.35/-
                                                                 is to be levied.
  Standing Instructions (SI)
                                                                 Free of charge: -
                                                                 i) Crediting / Remitting interest in Term Deposits.
                                                                 ii)Crediting/remitting Recurring Deposit installments.
                                                                 iii)Crediting/ remitting installment in Loan a/c.
  Stop Payment Instructions                                      Rs.50 for SB per instrument
                                                                 Rs.75 for others per Instrument
                                                                 Max. Rs. 300
  Issuance of Travellers‟ Cheques                                Rs. 0.50 per Rs.100, Min Rs.10
  Issuing certificates pertaining to securities/ list of
                                                                 Rs. 100 per certificate or list
  securities lodged
  Issue of No-dues certificate/balance confirmation              Rs. 50 per Certificate
                                                                 Nil (if within the Service Area)
  Attestation of customer‟s signature on share transfer
                                                                 Rs. 50 per certificate or list
  form/LIC Policy/UTI certificates etc.
  Photo Attestation                                              Rs. 50 per certificate

  Turnover commission on Govt. Business.                         @ 11.22 Paise
  (viz. CBEC, CBDT etc)                                          per Rs. 100
  Handling/Incidental Charges for In-operative/ Dormant
                                                                 Nil
  SB A/c
  Handling/Incidental Charges for In-operative/ Dormant
  Current A/c (If balance is below Rs.50,000)                    Rs.75 per half year

  Collection of Deposit receipts on maturity from Other          Collecting bank shall levy charges as applicable to
  Bank                                                           remittances. In case of local collection, charges as
                                                                 applicable to Bankers‟ Cheque, be levied
  Sharing of commission when instrument is collected             Commission on 50:50 basis, i.e. remitting bank to charge
  through branch of another bank                                 50% & collecting bank to charge 50% of the applicable rate.

  Loss of Token                                                  Rs. 100 per token
  Presentation of Usance Bills for acceptance                    Rs. 100 per Bill
  Enquiry relating to old record                                 Enquiry above 1 year upto 3 yrs Rs. 100
  (Enquiry upto 12 months old – Free)                            Above 3 yrs but upto 5 years Rs. 200
                                                                 Above 5 yrs Rs. 500
  Penalty charges for depositing delayed instalments in          Rs.1.50 per Rs.100 per month for
  R/D account                                                    upto 5 years
                                                                 Rs.2.00 per Rs.100 per month-more than 5 years

                                                                 Rs.100 per 1000 pieces of currency notes of any
  Deposit of cash in bulk                                        denomination

  Selling of Prospectus & Application Forms for
                                                                 To be negotiated with the corresponding Institution/
  Educational Institutions / Housing Boards / Other
                                                                 Board/others at the Zonal Office Level on case to case basis
  Organizations

  NOTE:
          Postage & Telegraph and other out of pocket expenses to be realized on actual basis over and
           above the Service Charges,
          ‘SERVICE TAX’ (12.36%) to be levied extra as per extant guidelines received from Government from
           time to time.

                                                           ***

                                                            13
      Section ‘B’




CREDIT RELATED ISSUES




            14
                                                      SECTION ‘B’
                      SERVICE CHARGES ON CREDIT RELATED ISSUES
  1.A      PROCESSING FEES & PREPAYMENT FEES FOR
           RETAIL CREDIT/ SCHEMATIC ADVANCES
                                                                                   Revised Rates
  Name of Scheme
                                                   Processing Fees                                         Prepayment Fees

                                                                                                    2% of the Outstanding Balance
  AllBank Saral Loan Scheme                  1% of Loan amount, Minimum Rs. 500
                                                                                                    only in case of takeover

  Personal Loan to Doctors & Medical                                                                2% of the Outstanding Balance
                                             1% of Loan amount, Minimum Rs. 500
  Practitioners                                                                                     only in case of takeover
  Allahabad Bank Personal Loan Scheme
                                             0.50% of Loan amount, Minimum Rs. 200                  NIL
  for Pensioners
                                                                                                    2% of Outstanding Balance only in
  AllBank Mobike Scheme                      Rs. 500/-
                                                                                                    case of takeover
                                             Rs. 1000/-                                             2% of Outstanding Balance only in
  Car Loan to salaried persons
                                             (Allahabad Bank Employees- NIL)                        case of takeover
                                                                                                    2% of Outstanding Balance only in
  Car Loan to others.                        1% of the loan amount, Minimum. Rs. 2,000
                                                                                                    case of takeover
  Loan against NSC/KVP                       1% of loan amount, Minimum Rs. 250                     NIL
                                             For studies in India- Nil
                                             For studies abroad -Rs.500/- upfront subject to the
  Education Loan Scheme                      conditions that this amount would be adjusted          NIL
                                             against the loan amount once the loan is availed
                                             from us.
                                             0.50% of Loan amount, Maximum Rs.10,000                2% of Outstanding Balance only in
  Housing Finance *
                                             (Allahabad Bank Employees- NIL)                        case of takeover
  Housing Finance for furnishing, repair     0.50% of Loan amount, Minimum Rs. 500
                                                                                                    NIL
  etc                                        (Allahabad Bank Employees- NIL)
                                             Upto Rs. 25 lac : 1%, Minimum Rs. 2,500
                                                                                                    2% of Outstanding Balance only in
  AllBank Rent Scheme                        > Rs. 25 lac to Rs. 150 lac : 0.50%, Min. Rs. 25,000
                                                                                                    case of takeover
                                             > Rs. 150 lac : 0.25%, Minimum Rs. 75,000
                                             Upto Rs. 25 lac : 1%, Minimum Rs.2,500
                                                                                                    2% of Outstanding Balance only in
  AllBank Property Scheme                    > Rs. 25 lac to Rs. 150 lac : 0.50%, Min. Rs. 25,000
                                                                                                    case of takeover
                                             > Rs. 150 lac : 0.25%, Min. Rs. 75,000
                                             Loan upto Rs. 50,000 : Rs.500                          2% of the Outstanding Balance
  AllBank Abhushan Scheme
                                             Loan above Rs. 50,000 : Rs.1,000                       only in case of takeover
                                             Rs. 200- per lac, Minimum Rs. 1,000                    2% of Outstanding Balance only in
  AllBank Trade Scheme
                                             Maximum Rs. 20,000                                     case of takeover
  Overdraft facility in Savings Bank
                                             NIL                                                    NIL
  Accounts
  All Bank Gold Loan Scheme                  NIL                                                    NIL
  AllBank Gyan Dipika Scheme                 NIL                                                    NIL
  Personal Loan for LICI Employees &
                                             1% of Loan amount, Minimum Rs. 500                     NIL
  Officers
  Personal Loan to LICI Agents               1% of Loan amount, Minimum Rs. 500                     NIL
  Clean Overdraft facility for LICI
                                             1% of Loan amount, Minimum Rs. 500                     NIL
  Officers
  Housing Loan to LICI Employees,
                                             0.50% of Loan amount, Minimum Rs. 10,000               NIL
  Officers & Agents
  Short term Loans for Financing by
  local Housing Board & Development          Loan amount upto Rs. 50,000: Rs.250
                                                                                                    NIL
  Authorities for Allotment of               Loan amount above Rs. 50,000: Rs.500
  Residential Plot/Flat House
  AllBank Reverse Mortgage Scheme            One month‟s annuity maximum Rs 10,000/=                NIL

* Housing Finance: Conversion Charges from floating to fixed & vice versa would be levied as under-
  From fixed to floating: 2% of Outstanding Balance on date of Conversion,
  From floating to fixed: 0.50% of Outstanding Balance on date of Conversion.




                                                               15
1.B    PROCESSING FEES FOR SANCTION/RENEWAL OF ADVANCES
       [OTHER THAN RETAIL CREDIT (BOTH FUNDED & NON FUNDED) & OTHER THAN TERM LOAN]


       Name of the Items                             Revised Rates
       Proposals up to Rs.25,000                     Nil
       Proposals above Rs.25,000 up to Rs.2 lacs     Rs.250 per lac or part thereof Min. 250
       Proposals above Rs.2 lacs                     Rs.300 per lac or part thereof,

       Restructuring of Debt                         50% of the usual charges
       Adhoc Sanction & Short Term Loan
       Above Rs.20,000 and upto Rs.50,000            Rs.1000
       Above Rs.50,000 and upto Rs.25 lacs           0.25% of the Ad-hoc/Short Term Loan,
                                                     Minimum Rs.1000,
       Above Rs.25 lacs and upto Rs.5 crore          0.25% of the Ad-hoc/Short Term Loan,
                                                     Minimum Rs.20,000
       Above Rs.5 crores                             0.25% of the Ad-hoc/Short Term Loan,



2.    LEAD BANK CHARGES:
      Charges for leadership in the Consortium Accounts, inclusive of the accounts, where the Bank is
      the leader in financing Term Loan

        Name of the Items           Revised Rates
                                    a.    0.25% p.a. of the aggregate funded limit from the banking
        Charges for Leadership in         system, negotiable but not below 0.125%,
        the consortium Account
                                    b.    In case of sick units/ units under restructuring, 0.125% of
                                          the aggregate funded limit from the banking system both
                                          working capital and term loan will be realized.



3.     UPFRONT/PROCESSING FEES FOR TERM LOANS

         Name of the Items                                 Revised Rates
         Fresh Term Loan sanctioned excluding loans        1% of the Loan amount for over Rs.50,000.
         sanctioned under Retail Credit (As Upfront)
         Standby credit assistance towards redemption
         of CP issued/to be issued by the borrower
                                                           1% per annum basis
         (to be charged on pro-rata for a Min. period of
         3 months)
         Review/ Renewal of Term Loan                      Rs. 100 per Rs.1 Lac,
         (As Processing Fees)                              Minimum Rs. 1000,
                                                           Maximum Rs.2,50,000
                                                           Except Retail Credit Loans.




                                                   16
       Procedure for realization of Processing Charges/Upfront Fees.
       For Working Capital
            a. The Processing Charges will be realized while sanctioning the accounts on per annum
               basis (minimum one year).
            b. The full Processing Charges will be realized while reviewing the accounts on per annum
               basis from the date of sanction.
            c. In case of Operational review for short period, a Processing Fee on pro-rata basis for the
               renewal period will be realized for minimum 1 quarter and thereafter multiple of
               quarters. The length of the renewal period will be reckoned from the original review
               date or the extended review date till the period for which operational review is done.

       For Term Loan:
       In case of fresh Term Loan, where Upfront fees at the rate more than 0.50% is being realized,
       no separate Processing Fee will be levied. However if it is less than 0.50%, normal Processing
       Fee will be realized, as applicable for reviewed/renewal of Term Loan.
4.     CHARGES FOR CREATION OF MORTGAGE & DOCUMENTATION

       Credit limits (F & NF)                           Charges for              Documentation
                                                   Creation of Mortgage             Charges
       Up to Rs.25,000                            Nil                        Nil
       Rs.25,000 to Rs.50,000                     Rs.1,000                   Rs.250
       Rs.50,000 to Rs.2 lacs                     Rs.1,500                   Rs.1,000
       Above Rs.2 lacs but up to Rs.5 lacs        Rs.2,500                   Rs.2,000
       Above Rs.5 lacs but upto Rs.10 lacs                                   Rs.2,500
       Above Rs.5 lacs but upto Rs.20 lacs        Rs.5000
       Above Rs.10 lacs but upto Rs.25 lacs                                  Rs. 3,000
       Above Rs.20 lacs but upto Rs.1 crore       Rs. 10,000
       Above Rs.25 lacs but upto Rs.1 crore                                  Rs.5,000
       Above Rs.1 crore                           Rs.15,000                  Rs.10,000
      Note :
      a) In case of Allahabad Bank Housing Finance Scheme, Education Loan Scheme and AllBank Reverse
           Mortgage Scheme no documentation charges are to be realized and Mortgage Charges to the extent
           of actual expenses incurred are to be realized. Mortgage & Documentation charges are to be
           realized in all other Retail Credit Schemes, wherever applicable.
      b)   Charges for creation of mortgage will be calculated on the amount of the Loan and not on the value
           of the property, irrespective of the nature of the credit facility.
      c)   Cost of stamp and other expenses will be born by the borrower separately.
      d)   Where no Mortgage is proposed, only Documentation Charges would be taken.

5.   INSPECTION AND SUPERVISION CHARGES

       Credit Limits                      Revised Rates
       Upto Rs.25,000                     Nil
       Above Rs.25,000 to Rs.50,000       Rs.200 per visit, Maximum Rs.1,000 per year
       Above Rs.50,000 to Rs.1 lac        Rs.300 per visit, Maximum Rs.2,000 per year
       Above Rs.1 lac to Rs.10 lac        Rs.750 per visit, Maximum Rs.5,000 per year
       Above Rs.10 lac to Rs.100 lac      Rs.1,000 per visit, Maximum Rs.7,500 per year
       Above Rs.100 lac                   Rs.2,500 per visit, Maximum Rs.25,000 per year.
Note:
No Inspection and Supervision charges are to be realized under AllBank Saral Loan Scheme, Personal Loan to
Doctors & Medical Practitioners, Allahabad Bank Personal Loan Scheme for Pensioners, Loan against NSC/KVP,
Educational Loan, AllBank Abhushan Scheme, Overdraft facility in Saving Bank Accounts, AllBank Gold Loan
Scheme, AllBank Gyan Dipika Scheme, Personal Loan to LICI Officers, Employees and Agents, Clean Overdraft
for LICI Officers & Employees and Short term Loans for Financing by local Housing Board & Development
Authorities for Allotment of Residential Plot / Flat House. In other Retail Schemes Inspection and Supervision
charges are to be realized.




                                                     17
7. COMMITMENT CHARGES

      Commitment Charges                 Revised Rates

       For Funded Working Capital        1% p.a. on the unutilized portion of the operating working
                                         capital limits subject to a tolerance level of 15% of such limits
       Limits of Rs.1 crore & above




7.    CHARGES ON PURCHASE/DISCOUNT OF CHEQUES/BILLS

7.A Charges on purchase/discount of Cheques

       Name of Items                     Revised Rates

       Charges on purchase/discount      35 paisa% plus Collection Charges as applicable to collection
                                         of Cheques/Bills for respective slabs & out of pocket
       of Cheques
                                         expenses.



7.B Charges on purchase/discount of Bills

       i)       DA Bills:

       Name of Items        Revised Rates

       DA Bills             Interest/penal interest, as applicable, for the period of credit plus Normal
                            Collection/Service Charge for collection plus out of pocket expenses. No
                            discounting charges to be realized additionally



     For DA Bills:
     1. Applicable interest rate based on amount of bill and risk rating as per Interest Rate
        Circular from the date of discounting bills till the date of maturity shall be charged.
     2. Penal interest @ 2% over normal rate will be recovered for the period of default
        from the borrower.
     3. Prescribed service charge for collection of bills and out of pocket expenses will be
        realized.


       ii)      DP Bills:

     Name of Items          Revised Rates
     DP Bills               Discount charges @ 0.50% of the Bill Amount (for a period not exceeding
                            7 days) plus normal collection charges/ Service Charges (Normal Interest
                            rate beyond 7 days) plus out of pocket expenses will be realized.




                                                     18
8.     COMMISSION ON BANK GUARANTEE

8.(A)       Performance Guarantee


       Amount Slab                             Revised Rates
                                                 Rs.200 + 0.55% per Quarter with minimum of 2 Quarter,
       Up to Rs. 5 Crore
                                                 Minimum Rs.500
       Above Rs. 5 Crore up to Rs. 10 Crore      Rs.600 + 0.50% per Quarter with minimum of 2 Quarter
       Above Rs. 10 Crore                        Rs.1000 + 0.45% per Quarter with minimum of 2 Quarter


8.(B)       Financial Guarantee


       Amount Slab                             Revised Rates
                                                 Rs.200 + 0.75% per Quarter with minimum of 2 Quarter,
       Up to Rs. 5 Crore
                                                 Minimum Rs.500
       Above Rs. 5 Crore up to Rs. 10 Crore      Rs.600 + 0.70% per Quarter with minimum of 2 Quarter
       Above Rs. 10 Crore                        Rs.1000 + 0.60% per Quarter with minimum of 2 Quarter



8.(C)           General


 Sl      Name of Items Revised Rates
No.
 i)      Renewal           of The Charges will be the same as those applicable for issuance of fresh
         Guarantee             Guarantees, except that the claim period be not charged for, if the renewal is
                               effected before the expiry date of the original Guarantee. In essence the
                               charges should be on total final claim including the enhance period plus claim
                               period.
 ii)     Commission on For amendments other than amount, period and purpose of Guarantee,
         Amendments            commission at the flat rate of Rs. 1,000 will be recovered.
iii)     Guarantee     on Field functionaries may consider proposal for issuing Guarantees favouring
         account           of Customs/Excise Authorities for payment of Statutory dues. As the risk factors
         payment           of for issuing of such type of Guarantees are very high, no concession in
         Statutory dues        Commission will be permitted for issuing such type of Guarantees. However,
                               Guarantee should not be issued in favour of Income Tax/Sales Tax authorities
                               for payment of statutory dues without obtaining specific permission from
                               Head Office.

iv)      Guarantee             25% of Normal Charges to be levied with a minimum of Rs.700/-. As this is
         against   100%        already a concessional rate, no further concession would be permitted at field
         Cash Cover/FDR        level.




                                                      19
 v)    Cancellation       It is observed that borrowers are reluctant to arrange for return of original
       Charge             Guarantee, duly expired, from the beneficiaries, as a result of which the Branches
                          are not taking prompt action to delete the outstanding Guarantees from the
                          Register, which bear negative impact on computation Capital Adequacy.


                          In this regard, incase of Guarantees executed in favour of parties other than
                          Government Departments, the Branch/es will be required to send a Registered
                          Letter to the beneficiary, provided no demand or claim has been made by the
                          beneficiary under the Guarantee within its validity period, indicating therein
                          clearly that if the original Guarantee is not returned to Bank within 15 days after
                          the date of expiry thereof, the Bank will delete the said outstanding Guarantee
                          from its Register/Book of Accounts. Accordingly, the following cancellation
                          charges will be realized from the respective borrowers for non-return of original
                          Guarantee after the date of expiry. The realization of Cancellation Charge will not
                          be applicable for Guarantees issued to Government Authorities.

                                      Amount of Guarantee                       Cancellation Charge
                           a.   Upto Rs. 10 lacs                              Rs. 500 per Guarantee
                           b.   Above Rs. 10 lacs but below Rs. 20 lacs       Rs. 1000 per Guarantee
                           c.   Rs. 20 lacs and above                         Rs. 2000 per Guarantee


vi)    Refund         of For Guarantees tendered for cancellation, before the date of expiry, only a portion
       Guarantee         of the Guarantee Commission already recovered be refunded to the Customer.
       Commission         Accordingly an amount computed at half the originally charged rate for the
                          unexpired period of Guarantee multiple of 3 months may be refunded.
vii)   Additional         Additional Commission at applicable rates will be levied on the extended period of
       Commission         validity of Guarantees due to restraints imposed on Banks by Court orders, at the
                          instance of Customers form meeting their obligation to beneficiaries when the
                          Guarantee is invoked. In order to protect the Bank against possible disputes from
                          customers, the following clause may be incorporated in the Counter Indemnity to
                          be obtained from customers:

                          “ That if for any reason the Bank is prevented by any action initiated by me/us
                          from making payment to the beneficiary of the Guaranteed amount, I/We will
                          also be liable to pay the Bank Guarantee Commission for the period for which
                          I/We delay by such action, the payment of discharge of the Guarantee.”



8.D    Letter of Comfort in lieu of Bank Guarantee

       Letter of Comfort in lieu of Bank Guarantee @ 3% p.a. with a minimum for 2 Quarters would be
       levied.




                                                   20
9.     CHARGES ON INLAND LETTER OF CREDIT (LC)

       General :
           Commission must be charged when an LC is opened & amended and no refund may be
            allowed in any circumstances whatsoever, whether a credit is cancelled, partly availed of or
            expires wholly un-availed of.
           When the Inland Letter of Credit opened by a bank is advised/confirmed by its own branch,
            the advising/confirming branch of the bank will not be entitled to the advising/confirming
            commission.
           In case of invocation of Guarantee, devolvement of Letter of Credit and if it is not
            regularized within a period of 30 days, all such Concessions allowed if any will be
            withdrawn.
           Out of pocket expenses such as postage, telegram, telex, fax cable etc shall be collected in
            addition to the usual charges as detailed below:


             Name of the Items                                       Revised Rates
At the time of opening
9.A Commitment Charge
(For the period of liability i.e. from the date of 0.25% of the LC amount for every period of three
opening of credit to the last date of its validity) months or part thereof.


9.B Usance Charges (according to the tenor of the bill at the rate of)
(a) Bills up to 7 days                            0.25% of the Bill, Min. Rs. 250

(b) Bills over 7 days to 3 months                 0.50% of the Bill Min. Rs.300

(c) In excess of 3 months.                        0.50% of the Bill for the first three months plus 0.25%
                                                  p.m. in excess of three months, Min. Rs.500




Note : Rates are based on size of Individual L/C opened.


LCs up to Rs.5 crores –                          Normal rate as above .

LCs above Rs.5 crores up to Rs.10 crores : Up to Rs.5 crores normal rate & beyond Rs.5 crores up
                                                 to Rs.10 crores 85% of the normal rate to be charged.

LCs above Rs.10 crores       :                  Up to Rs.10 crores as above & beyond Rs.10 crores
                                                 70% of the normal rate to be charged.

The above concessions for Inland LC above Rs. 5 crores is proposed to have more high
value business


Note: The concessional charges @ 25% of normal charges for Letter of Credit facilities fully
       secured by cash deposit/FDR will be realized. However, no further concession should be
       allowed.




                                                   21
          Name of the Items                                    Revised Rates
                Name of the Items                                     Revised Rates
      Charges for Charge
9.J Amendment giving guarantee for
9.C                                                  0.25%, Min. Rs.500
       discrepant documents.
a. If LC is amended by way of           Both usance & commitment charges shall be levied on the
9.K Clean payment received under LC                  Rs.200 flat
   increase in amount
9.L Attestation of Commercial Invoice   amount of increase. Min. Rs.100.00 Rs.50 in each occasion.
                                                     Rs.20 per invoice Min.
        subsequent to negotiation
b. If Non-payment/ non-acceptance 0.25% of the0.10% Min. Rs.100 extended period of three
9.M LC is amended by way of              of           LC amount for every
        demand/usance
extension of period. bills of exchange on
                                        months or part thereof. Min. Rs.100
        presentation/on due date
c. Amendment other than above           Rs.150 per occasion
9.N Allocation of sub-limit                          Rs.5,000 p.a. for allocation of limits to each
                                                     branch
9.D Revolving Letter of Credit bills under
9.O Charges for retirement of                        0.25% Minimum Rs.100
        LCs.
a. Opening Charge                       Normal LC opening charge
9.P     Letter of Comfort in lieu of Letter of       @ 3% P.A. with minimum for 2 Quarters.
b. Reinstatement Charge                 On each reinstatement, usance charges according to the
        Credit or Buyers’ Credit or Standby L/C
                                        tenor as stated above and Commitment charge of 0.25% on
                                        the reinstated amounts only.

9.E    LC advising charge
(When advising Inland LC opened by
Correspondent Banks, which shall
include Letter of Authority/Order to
                                            0.05% on each LC, Min. Rs.500
negotiate    but  does    not   carry
confirmation, the advising bank shall
levy advising commission)

9.F.      LC Confirmation charge
(If,   in    advising   bank   confirm   a @0.20% for every quarter or part thereof, Min. Rs.500 as
Correspondent‟s credit it should collect well as Usance charges according to the tenor of the bill at
a commitment charge for the full the rate specified in 10.1 above.
validity of the credit)

9.G       Advise of transfer in transferable LCs
(Whether full or part and whether
                                            Rs.200 for each advice of transfer
endorsed on the credit itself or not)
9.H         Acceptance Charge
(Commission on LC calling for usance        0.20% of the bill per month, Min. Rs.500
bills to be drawn on and accepted by
the bank)
9.I LC Negotiation
Negotiating Branch shall levy negotiating charges at the following rates :

Bills :       (a) Up to Rs.2.50 lacs        0.40% of the bill, Min. Rs.500
              (b) Over Rs.2.50 lacs         0.25%, Min. Rs.1,000 plus discount at applicable rate of
                                            interest from the date of negotiation to date of
                                            reimbursement.




                                                    22
10.       PREPAYMENT CHARGES FOR LOANS OTHER THAN RETAIL CREDIT

      At present there is no specific rate for prepayment charges in the circular, and it is
      stipulated on case-to-case basis in the sanction letter. However, it is recommended
      to consider the same as under:

      Term Loan amount               Revised Rates
      All loans upto Rs.10.00 lac    In case of Term Loan, if liquidated out of own source/ own
                                     generation- Nil.
                                     In case availing loan from some other Bank/institution- 2% of
                                     the outstanding loan plus tax.
      All loans above Rs.10.00 lac   2% of the outstanding loan plus tax.


      NOTE:
         Postage and other Out of Pocket Expenses to be realized on actual basis over
            and above the Service Charges.
           ‘Service Tax’ to be levied extra as per circularized instruction.
           Reporting: In case of limit sanctioned by MCBOD, the C & MD or ED (In
             absence of C & MD) may allow 100% concession (reduction/waivement) in
             Service Charges. However, the same should be reported to MCBOD within 60
             days from the date of such sanction.



                                           ***




                                             23
           Section ‘C’




FOREIGN EXCHANGE RELATED ISSUES




                 24
                                             SECTION ‘C’

      SERVICE CHARGES ON FOREIGN EXCHANGE RELATED ISSUES

1.    IMPORT TRANSACTIONS
      Commission on Import LC including Standby LC
      Commission on opening of LC or at the time of amendment is to be realized Upfront and no
      refund shall be allowed.
1.A   Commitment Charges
      Commitment charges should be realized from the date of opening of the L/C to the last
      date of validity of Letter of Credit
      At the time of Opening of Letter of Credit

         Name of the Item                                       Revised Rate
         At the time of opening LC
         For every quarter or Part thereof                      0.15%, Min Rs 1000/-

1.B   Usance Charges

         Name of the Item                             Revised Rate
         For bill up to 10 Days sight           0.15% Minimum Rs 1000/-
         For bills over 10 Days sight and up to 0.30% Minimum Rs 1000/-
         three months sight
         For bills over Three months sight      0.30% for the first 3 months and 0.15% per
                                                      month in excess of 3 months.

      Based on the above basic charges, following charges on Letter of Credit have to be collected.

         Name of the Item             Revised Rate
         Up to Rs. 5 crores           Commission as per normal rates in full i.e. Commitment and
         (or equivalent in FC)        usance charges as above
         LCs above Rs. 5 crores &     90% of the Normal charges
         up to Rs. 10 crores
         LC above Rs. 10 crores       75% of the normal charges.



1.C   LC Issued with Full Cash Margin


Notes:

      i)     Total Charges for opening LC (commitment and Usance) should not be below Rs 2000/-.
      ii)    Margin for exchange fluctuation may be retained, if so warranted along with 100% cash margin.
      iii)   SWIFT Charges and other out of Pocket expenses as per actual.
      iv)    Quarter to mean three months from the date of opening of Letter of Credit.




                                                     25
1.D      Amendment Charges of LC

          Name of the Item                                      Revised Rate
          Amendment of Altering of Tenor                        Appropriate Usance and Commitment
                                                                Charge as applicable
          Other     than   extension     of    validity    or
                                                                Rs 1000/-
          enhancement
          Revival or reinstatement of an expired LC but Usance charge and commitment charge
          within 3 months from the date of expiry               from the date of expiry up to validity
                                                                period


         Note: For the purpose of levying commitment and usance charge, the total amount
               committed inclusive of interest amount and tolerance level shall be reckoned.


1.E      Crystallisation of Import Bill under Letters of Credit

          Name of the Item                     Revised Rate
          Up to Rs. 5 crores                   0.15% ( Normal charges)
          Above Rs. 5 crores up to Rs. 10
                                               90% of the normal charges.
          crores
          Beyond Rs. 10 crores                 75% of the normal charges.
          Late payment commission              0.15% per quarter part thereof
          Charges     on       account     of USD 100/- per discrepancy to be recovered from the
          discrepant documents         Beneficiary/ Negotiating Bank.
          (If discrepant documents are (Discrepancy charges should be stipulated at the time of
          permitted to be negotiated)  opening of Letter of Credit)



1.F      Commissions on Bills (Not under Letter of Credit)

          Name of the Item                           Revised Rate
          Where exchange benefit is earned.           0.25%, Minimum Rs 1000/-
          Bill drawn in Rupees and where
                                                      0.40% Minimum Rs 1500/-
          exchange benefit is not earned
          In case value exceeds Rs. 5 crores
          (i) On the first Rs. 5 crores         (i) Full rate as above
          (ii) On the amount which is in excess (ii) Rate applicable up to Rs. 5 crores plus 50% of the
              of Rs. 5 crores                       normal charges beyond Rs. 5 crores
          In case of documents received by 0.25%
          Imports directly from overseas Minimum Rs. 2,500
          exporters


      Note: SWIFT Charges and other out of pocket expenses (actuals) are to be recovered.




                                                      26
2.    EXPORT TRANSACTIONS CHARGES

2.A   HANDLING CHARGES FOR EACH BILL PURCHASED/DISCOUNTED/NEGOTIATED

           Name of the Item        Revised Rate
           Charges                 Rs 1000/- per quarter or part thereof per bill for the overdue period

      Where a branch sends an export bill for negotiation to another bank (due to reasons such as LC
      being restricted to the latter or the LC has been confirmed by latter, etc.).


       Name of the Item           Revised Rate
       Charges                    Rs.2000 per bill


      Export bills purchased / discounted / negotiated (not paid on due date i.e. overdue bill)

       Name of the Item         Revised Rate
       Charges                  Rs. 1,000 per quarter or part thereof per bill for the overdue period


2.B   EXPORT BILLS FOR COLLECTION
      Foreign Currency /Rupee Export Bill.

      Commission on export bills for collection and export under consignment arrangements and also
      advance payment

       Name of the Item           Revised Rate
       Charges                    0.075% of the Bill amount Minimum Rs 1500/- Max Rs 50,000/-


      Overdue export bills sent on collection

       Name of the Item             Revised Rate
       Charges                      Rs 1000/- per quarter or part thereof for the period beyond 180
                                    days from the date of shipment



      Note :
         a. Applicable also in case of deferred exports if the relative export proceeds are
            not received within the stipulated period.
         b. Not applicable in case of bills drawn on countries with externalization
            problem but paid in local currency and the exporter has obtained necessary
            approval from Reserve Bank.
         c. Where bank charges are to be recovered from the drawee but are refused by
            them such charges shall be recovered from the exporter.




                                                     27
2.C   COMMISSION IN LIEU OF EXCHANGE

       Name of the Item                                                    Revised Rate
       PC granted by branch but documents negotiated through               0.125%, Min Rs 2500/-
       another bank
       Proceeds of an export bill negotiated by a branch are paid          0.125%, Min Rs 2500/-
       in FC in another bank
       Bill sent for collection by one branch but payment received         0.125%, Min Rs 2500/-
       in Rupees through another bank
       Bill negotiated / purchased / sent for collection and the           0.125%, (Min Rs 2500/-) on
       proceeds thereof are collected to Foreign Currency (EEFC)           amount credited to EEFC
       account in part or in full
                                                                           account
       Deemed export bills in Foreign Currency as defined by RBI           0.125%, Min Rs 2500/-
       / EXIM Policy

2.D   EXPORT LETTER OF CREDIT

      Letters of Credit include letters of credit, standby letter of credit, letters of authority, orders to
      negotiate orders for payment and all types of documents of similar nature received from
      overseas correspondent.

       Name of the Item                           Revised Rate
       Advising Comm. and its amendment           Rs 1000/- per LC and Rs 750/- per amendment
       LC advised through another bank            Flat rate of Rs 1000/-

      Note: If an LC has been advised to another branch of our Bank, no charge shall be
            shall be levied for advising the LC and each amendment, by the second branch
             in the advising chain.

2.E   TRANSFERABLE LETTER OF CREDIT

       Name of the Item                Revised Rate
       Whether full or in part and Flat charge of Rs 1000/- (for fresh as well as for subsequent
       whether endorsed on the amendments)
       credit itself or not        (For each separate advice of transfer, the transfer charge shall
                                   be for the account of the first beneficiary of the credit unless
                                   otherwise specified).
       Confirmation of foreign Commitment and usance charges as applicable to opening of
       Bank‟s LC                   Import Letter of Credit

3.    CERTIFICATES

       Name of the Item                                                    Revised Rate
       Certificates / attestations in respect of export transactions       Rs 250/- per certificate
       For inward remittance, encashment of FTCs currency note             Rs 300/- per certificate
       i) FIRC issued on security paper
       ii) On Bank‟s letter head                                           Rs 250/- per certificate
       iii) Duplicate FIRC (in lieu of original reported lost)             Rs. 1000/- per certificate




                                                    28
4.   SUBSTITUTION/CHANGE IN TENOR

     Name of the Item Revised Rate
     Usance bill           Concessive interest on post -shipment credit in accordance with the
                           directives of RBI plus recovery/ pay swap difference. Interest on outlay of
                           funds, if any, shall be at PLR of the Bank


5.   PCFC / PSCFC

     Name of the Item              Revised Rate
     a) Transaction charge         Rs 25,000/- per sanction
     b) Commission for PSCFC       Commission to be charged as stated under Export bill/ purchased/
                                   discounted/ negotiated


6.   REMITTANCES

     Name of the Item                                      Revised Rate
     Clean instruments for collection abroad               0.30% Minimum Rs 250/-
     FC instruments for collection within India            As per inland transactions within India
     Outward Remittances                        0.125% per remittance Minimum Rs. 250/-
     Inward Remittances under instructions from Rs 500/-
     foreign correspondent
     Inward Remittance to be executed in FC by 0.125% Minimum Rs 250/-
     issuing DD / MT / payment order / TT


7.   ISSUE OF FOREIGN CURRENCY TRAVELLERS CHEQUES/ CURRENCY NOTES

     Name of the Item                                    Revised Rate
     TC issued                                           1% on Rupees equivalent Minimum Rs 250/-
     TC issued when FC received from abroad              0.25% Minimum Rs 250/-


8.   EEFC ACCOUNTS

     Name of the Item                                  Revised Rate
     Outward Remittance to debit of EEFC A/C           Additional 0.125% in lieu of exchange in EEFC A/C
     Inward Remittance to be credited to EEFC A/C      Additional 0.125% in lieu of exchange in EEFC A/C



9.   FORWARD CONTRACTS

     Name of the Item                               Revised Rate
     For booking sales and purchase contracts       Rs 1000/- flat per contract
     For each request for early delivery, Rs 1000/- plus SWAP cost and cancellation charges
     extension or cancellation            wherever Applicable




                                                  29
10.   FOREIGN CURRENCY DENOMINATED LOAN AGAINST FCNR (B) DEPOSITS (FCDLFB)

       Name of the Item                      Revised Rate
       Processing Fees                       As applicable to a fresh Rupee loan
       Transaction Cost for arranging /
                                             Rs 25,000/-
       monitoring FCDLFB loans
       Commitment Fee                        If loan is availed after one month but before three months, a
       From the date of funds                commitment fee of 1.0% p.a to be charged. If the loan is not
       allocation on month is allowed        availed within 3 months from the date of allocation the loan
       for disbursement                      will be cancelled.

11.   SWIFT CHARGES (FOR ACCOUNT OF THE TRANSMITTING BRANCH)

       Name of the Item                              Revised Rate
       LC opening                                    Rs 1,500/- per LC
       BG opening                                    Rs 1,500/- per BG
       For outward remittance                        Rs 500/-
       Amendment / other Msg.                        Rs 500/-

12.   GUARANTEES
      The following rules are applicable to guarantees connected with import and export trade, other foreign
      exchange transaction and deemed exports as defined by Reserve Bank of India and EXIM policy.

      Branches shall not be party to any guarantee for an unlimited amount and / or an unlimited period.

      Branches shall ensure to include a specific clause in all the guarantees stating the exact period within
      which claims must be made under the guarantee, besides the expiry date of the guarantee.
      TYPES OF GUARANTEES & CHARGES

       Name of the Item                                         Revised Rate
       Guarantees in favour of shipping companies /
       agencies for clearance of goods pending                   Rs 1000/- per Guarantee
       production of B/L relating to Imports under LCs
                                                                 0.30% for 3 months plus 0.15% for each
       Others not covered by above
                                                                 additional month, Minimum Rs 1000/-
       Letter of Comfort in lieu of Letter of Credit or
                                                                 3% p.a. with minimum charge for 2 quarters
       Bank Guarantee

      EXPORT PERFORMANCE GUARANTEES FOR PROJECTS EXPORTS

      In the case of guarantees covered by ECGC counter guarantees/branch shall collect
      commission as well as ECGC premium

       Name of the Item                                         Revised Rate
       12.A.
       ECGC cover 75%                                           0.50% p.a. plus ECGC Premia
       ECGC cover 90%                                           0.40% p.a. plus ECGC Premia
       Guarantee issued against 100%                 counter 0.125% per quarter
       guarantee of the Government of India
       In case of guarantees issued against cash deposit 0.125% per quarter




                                                    30
      Name of the Item                                       Revised Rate
      12.B. In case guarantee which are not
           covered by cash deposit/Govt. of India 2% p.a
           counter guarantees
      12.C. Export performance guarantees, Bid- 0.10% per month Minimum 0.30%                                 or
              bonds (other than for Project Exports) Rs 1000/- whichever is higher
              and Export performance guarantees In case of early redemption Max 50% of the
              covering export obligations in terms of commission for the un-expired period, i.e.
              import trade control regulations and from the date of redemption to the expiry
              export performance guarantees/bid date shall be refunded.
              bonds connected with deemed exports.
              Issuance of Bid bonds for supplies 25% of the above charges for the full period
              connected with deemed exports/direct of validity of the bonds at the time of issue.
              exports other than project exports.            If the bid materializes, the balance 75% of
                                                             the commission to be recovered. If the bid
                                                             is frustrated there will be no refund of the
                                                             commission collected.
      12.D      Guarantees     issued   on    behalf    of
              overseas banks/parties (where charges 0.175% per month, Minimum Rs 1000/-
              are payable by overseas banks/parties
      12.E. Deferred payment guarantees covering 0.175% per month or part thereof for the
            imports of goods into India/repayment specified liability calculated on the amount
                                                             of liability under such guarantee at the
              of Foreign currency loans.
                                                             beginning of every quarter.
      12.F.
      (i) All other guarantees                               i) 0.175% per month Min Rs 1000/-
      (ii) If the guarantee period is less than 2            ii) 0.25% per month Min Rs 1000/-
           months
      (iii) In case of early redemption                      iii) Pro rata Commission may be refunded at
                                                                  the discretion of the branch for full
                                                                  months only (not fraction of months)


13.   MISCELLANEOUS INSTRUCTIONS

         Customers should in their own interest obtain the return of cancelled guarantees at the earliest.
         Branch should continue their efforts to obtain an early return of cancelled guarantees.
         Out of Pocket Expenses such as Telex/Cable/Correspondent Bank‟s Charges – Actual to be recovered.
         Stamp Duty – As per charges prescribed by GOI.
      Notes :
             Charges for services not covered above will continue as extant.
             Where the business is shared between other banks, the charges would be shared in the
              agreed proportion.
             Where the bank charges are to be recovered from the overseas buyers/sellers but are
              refused by them, such charges shall be recovered from the customers.

14.   DISCRETIONARY POWERS TO REDUCE

                                                       31
  SERVICE CHARGES IN FOREX BUSINESS ITEMS

  The concessions regarding reduction/waiver of service charges for Foreign Exchange related
  issues on case to case basis may be considered by the filed functionaries as indicated here
  under only in case of limit sanctioned by the concerned authority or limit sanctioned by a level
  lower than the authority.

             Concessions                 Competent Authority
                               Branch Head (DGM/AGM)
            Upto 25%
                               Zonal Head (DGM/AGM)/DGM (Credit) HO
                               Zonal Head (GM)/GM (Credit) HO
            Upto 50%
                               GM (Foreign Dept. H.O.)
            Upto 75%           Executive Director
                               Chairman & Managing Director
            Upto 100%
                               /Executive Director (In absence of C&MD)




NOTE:
   P & T and other out of pocket expenses to be realized on actual basis over and
     above the Service Charges,
    ‘Service Tax’ to be levied extra as per circularized instruction.




                                          ***




                                             32
     Section ‘D’




   DP CHARGES FOR
BENEFICIARY ACCOUNTS




         33
                                                          SECTION ‘D’
                            DP SERVICE CHARGES FOR BENEFICIARY ACCOUNTS
Name of the Items                                                                                   Revised
                                                                    Investors Account                 Trader’s Account
A/C Opening                                                                   NIL                                 NIL
A/C Closing                                                                   NIL                                 NIL
Custody Charge                                                                NIL                                 NIL
Dematerialization Charges
Equity Shares                                                       Rs.3 per Certificate                Rs.3 per Certificate
                                                                    Minimum Rs.25 per DRF +             + Mailing Charges
                                                                    Mailing Charges
                                                                    (Free for Allahabad Bank
                                                                    Shares)                             (Free for Allahabad Bank
                                                                                                        Shares)
Bond/Debenture/G-Sec/Commercial Paper            Rs.50 per Request + Mailing Charges
Rematerialisation Charges                        Rs.25 per certificate + Mailing Charges
Annual Membership Fee                            Rs.300 p.a. Upfront           Rs.1200 p.a. Upfront
Transaction Fees (Per Transaction): (Equity/Bond/Debentures/ G-sec)
Market/Off-Market Transaction (Buy)              NIL                           NIL
Market/Off-Market Transaction (Sell)                                           Rs. 10 (Other DP)
                                                 Rs.25
                                                                               Rs. 10 (Allahabad Bank DP)
Transaction Fees (Per Transaction): ( Commercial Papers.)
Market/Off-Market Transaction (Buy)              NIL                           NIL
Market/Off-Market Transaction (Sell)             Rs.1000                       Rs.1000
Pledge
Creation                                         Rs.100                        Rs.100
Closure/Invocation                               Rs.50                         Rs.50
Miscellaneous Charges
Documentation Fees (During Account Opening)      NIL (Cost of Stamp Paper to be paid Rs.10 at present)
Delivery Instruction Book                        Re.1 per folio
Additional Statement (Current)                   Rs.25 per statement           NIL
Instruction Received at Client‟s Risk *          Rs.50 per transaction         Rs.25 per transaction
Instruction Failure Charges                      Rs.50 per transaction         NIL
Note
1. Annual Membership Fees will be taken upfront in first billing month. Annual Membership Fees will be charged on
   quarterly pro-rata basis for new clients.
2. Custody Charges will be realized at the end of the financial year. No Minimum or Maximum charges applicable.
3. Charges will be deducted from savings/current account to be opened by depository account holder.
4. All charges are subject to revision as and when decided by the DP.
5. *Instructions deemed at Client‟s Risk
       Inter-depository transfer on the same day received after 14.00 hours.
       Off-market instruction with request to execute before 10.00 hours on the same day.
       Instructions submitted after 16.00 hours on the previous day of pay-in deadline.
 CONCESSIONS ON DP SERVICE CHARGES
 The Concessions regarding reduction/waivement of DP Service Charges for Beneficiary Accounts on case-to-case
 basis may be considered as under:

  Sl. No.                Authority for permitting Concessions                                       Concessions
 1.            Asstt. General Manager (Marketing)/                                    Upto 25% of total charges
               Dy. General Manager (Marketing)
 2.            General Manager (Marketing)                                            Upto 50% of total charges
 3.            Executive Director                                                     Beyond 50% of total charges
 4.            Chairman & Managing Director/ Executive Director in                    FULL POWER
               absence of Chairman & Managing Director
 Note: The proposals for consideration of concessional Service Charges should carry the recommendation of the respective Zonal Head.
 NOTE:
           Postage and other Out of Pocket Expenses to be realized on actual basis over and above the Service Charges.
           ‘Service Tax’ to be levied extra as per circularized instruction.
                                                                   ***



                                                                    34
          Section ‘E’




CONCESSIONS ON VARIOUS ISSUES




                35
                                                    SECTION ‘E’

                  SERVICE CHARGE CONCESSIONS ON VARIOUS ISSUES
1.A.         CONCESSIONS ON MISCELLANEOUS ITEMS

             To compete with other banks, for Transfer of Funds (*Both for Deposit and Borrowal
             Accounts), concessions may be given on the following items as under:

                      a) Issuance of DD/Bankers Cheque
                      b) EFT/NEFT/RTGS/ECS (Concessions covered in Section A at concerned items No. 12,
                          13A, 14 & 15)

             Concessions on the above facilities i.e. a) & b) may be extended to important Corporate
             customers/valuable constituents on a very selective basis, considering the merit of the case
             viz.:-
                       i)      Total business connection with the Bank
                       ii)     Frequency of the operation at the Branch
                       iii)    Cost to the Bank is minimal
             Note:*
             Deposit Accounts:
             Transfer of funds periodically from the collection accounts maintained at branches to Regional Collection
             Account and the aggregate collection is transferred as per standing arrangement to the Main account of
             the organization/firm/company.
             Advances/Borrowal Accounts
             iii)    Accounts from where debit balances are transferred.
             iv)     Accounts from where credit balances are transferred

[I]          The Powers regarding Approval Authority for concessions on above remittance facilities are as
             under:
       Sl.                    Approval Authority                        Amounts                Amount of
       No.                     for Concessions                       to be Remitted            Concession
      1.       Branch Headed by Scale II                         Upto Rs.10,000               Upto        100%
      2.       Branch Headed by Scale III                        Upto Rs.25,000               Concessions    on
      3.       Branch Headed by Scale IV                         Upto Rs.50,000               Service    Charges
      4.       Branch/Zone headed by Scale V & above             Upto Rs.50,000 & Above       for remittance

             The Branch Head upto Scale-IV may seek the permission of the higher authority for extending
             concessions beyond their capacity. Extent of concession has been left to the discretion of the
             branch head based on business consideration and value of connection on case-to-case basis.
[II]         Other Business:

             The Concessions regarding reduction/waiver of Service Charges for other issues on case-to-case
             basis may be considered as under:

             As our Bank is operating in a highly competitive environment, the Zonal Head or AGM/DGM
             headed branches, may use his/her discretion to slash the quantum of Service Charges upto
             100% on normal Service Charges to important corporate customers/valuable constituents
             considering the total business connection/ potential earning from the customer/frequency of
             operation of the branch etc.
Note: Recording of concession to avoid seepage, a register of various concessions given, should be maintained
separately by each authority, which will be available for inspection/review as & when required.


1.B.         CONCESSIONS ON LETTER OF CREDIT (LC)/BANK GUARANTEE(BG)

                                                            36
       The concessional charges @ 25% of normal charges for Letter of Credit and Bank
       Guarantee facilities fully secured by cash deposit/FDR will be realized. As this is already a
       concessional rate, no further concession would be permitted at field level.
1.C.   DISCRETIONARY POWER TO REDUCE
       SERVICE CHARGES ON FOREX BUSINESS

       The concessions regarding reduction/ waiver of service charges for Foreign Exchange related
       issues on case to case basis may be considered by the filed functionaries as indicated here
       under only in case of limit sanctioned by the concerned authority or limit sanctioned by a level
       lower than the authority.

                     Concessions                 Competent Authority
                                       Branch Head(DGM/AGM)
                  Upto 25%
                                       Zonal Head (DGM/AGM)/DGM (Credit) HO
                                       Zonal Head (GM)/GM (Credit) HO
                  Upto 50%
                                       GM (Foreign Dept. H.O.)
                  Upto 75%             Executive Director
                                       Chairman & Managing Director
                  Upto 100%
                                       /Executive Director (In absence of C&MD)

1.D.   CONCESSIONS ON DP SERVICE CHARGES
       The Concessions regarding reduction/waivement of DP Service Charges for Beneficiary Accounts
       on case-to-case basis may be considered as under:



Sl. No.        Authority for permitting Concessions                         Concessions
1.        Asstt. General Manager (Marketing)/                       Upto 25% of total charges
          Dy. General Manager (Marketing)
2.        General Manager (Marketing)                               Upto 50% of total charges
3.        Executive Director                                        Beyond 50% of total charges
4.        Chairman & Managing Director/ Executive Director          Full Power
          in absence of Chairman & Managing Director
Note: The proposals for consideration of concessional Service Charges should carry the
recommendation of the respective Zonal Head.
                                                                                                        2.
       CONCESSIONS TO STAFF/EX-STAFF MEMBERS/WIDOWS OF EX-STAFF MEMBERS

a.     Ledger Folio Charges                  No incidental charges to be levied on account maintaining in the
                                             name of existing/retired employees or jointly with close relatives.
b.     Standing Instructions                 No charges
c.     Outward remittances                   All DDs/ MTs/ TTs/ Banker‟s Cheque be issued free of charge.
                                             Cost of telegram in case of TTs to be recovered.
d.     Collection of Cheques/ Demand
                                             No charges.
       Drafts
e.     Issuance of Rupee Traveler‟s Cheque   No commission to be charged

f.     Locker Rent                           Staff members (including the retired Staff members) will be
                                             charged 50% of the annual rental charges.
g.     Fall in Minimum Balance               No charges
h.     Anywhere Banking/MCC Facility         No charges




                                                    37
3.   CONCESSIONS TO DEFENCE, PARAMILITARY PERSONNEL & EX-SERVICEMEN

     The Defence and Paramilitary personnel including ex-servicemen are the beneficiaries of the
     following concessions in respect of Service Charges from Public Sector Banks:
     i)         At par collection of salary/terminal dues.
     ii)        At par remittances to family up to Rs.10,000 per month and one time remittance for
                payment of school/college fees in a year (out of pocket expenses to be recovered)
     iii)       At par custody of Wills
     iv)        In-house Standing Instructions free of charge.

4.   FACILITY FOR FREE TRANSFER OF FUNDS FOR REGIONAL RURAL BANKS (RRBs)

     In compliance of RBI directives, the concessions for RRBs are as under:

           I. Facilities for free transfer of funds should be extended by the branches for remittance of
              funds between the Head Offices of the RRBs and their different branches free of cost
              irrespective of the fact whether the RRBs are sponsored by the Bank or not. The
              remittance may be allowed in multiples of Rs.5,000 subject to a minimum of Rs. 5,000.

           II. Other concessions to RRBs are:

                    a.   Transfer of funds for RRB Branches                          No Service charges
                    b.   Refinance installment to NABARD                             No Service charges
                    c.   Cheques/Drafts etc. drawn in favour of RRBs and
                         tendered by RRBs to Banks for collection irrespective of    No Service charges
                         whether such RRBs are sponsored by us or not.
                    d.   Collection of charges on third party                        Collection charges to
                         cheques/instruments drawn on                                be shared on the
                         PSBs and tendered to them for collection by RRBs            basis of 50% of our
                    e.   Collection charges of third party cheques/instruments       charges + 50% of
                         tendered by PSBs to RRBs for collection                     their charges



5.   CONCESSIONS TO SENIOR CITIZENS/PENSIONERS

     20% below the normal Service Charges for Deposit Accounts and other Miscellaneous Issues
     would be allowed.


6.   EXEMPTION ON SERVICE CHARGES UNDER ‘PRIORITY SECTOR’


     i).      Inspection Charges for Loans allowed under Government
              Sponsored Schemes viz. SJSRY, PMRY, SGSY, Educational Loans.
     ii).     Processing, Inspection and Incidental Charges for IRDP
                                                                                    Free of Charges
              Beneficiaries, Self Help Groups, Swarozgar Yojanas under SGSY,
              All weaker section borrowers, PACs and FSS advances.




                                                     38
7.       FREE COLLECTION/REMITTANCE FACILITIES

(i)      Cheque issued by Government of India in respect of Grants made from Prime

         Minister‟s Relief Fund to State Government, District Magistrate etc. should be

         collected free of charges

(ii)     Cheques tendered by Government Departments for credit to Government

         Accounts will be collected at par and this is applicable to all Government

         Transactions including State, Railways, Defence etc. However, cheques drawn

         at centres where, the agency banks do not have their branches and required

         to collect the cheques through some other scheduled banks/co-operative

         banks, collecting bank‟s commission may be charged by the Agency Bank.

(iii)    Govt. Departments attached to the Ministry of Commerce/Food & Civil

         Supplies/Textiles & Department of State Govts. /Railways/ Defence etc.

(iv)     Religious, Welfare, Service & Charitable Institutions, if they are exempted

         from payment of Income Tax.

(v)      Cheques issued by Govt. authorities representing subsidy under IRDP & other

         special programmes
                                                                                               Free of Charges
(vi)     Salary payment of teachers employed in Govt. run schools

(vii)    Blind, physically handicapped, disabled individuals and institutions set up for

         their benefits

(viii)   Cheques deposited by DRDA, Farmers co-operative societies sponsored by our

         Bank, Primary Agriculture societies banking with our bank

(ix)     Pay orders/drafts for making direct payments to suppliers while disbursing

         loans under Govt. sponsored schemes

(x)      Free collection/remittance for Prime Minister‟s relief fund/Chief Minister‟s relief

         fund/National Defence Fund.

(xi)     Dividend warrants, interest warrants and refund orders

(xii)    Gift cheques of our Bank are to be issued collected at par

(xiii)   Collection/discount of pension bills/pension cheques of pensioners of

         Central/State Govts and Armed forces.

(xiv)    Collection/discount of pension bills/cheques of freedom fighters.




  8.     CONCESSIONS REGARDING CREDIT RELATED ITEMS

                                                      39
         The    concessions   regarding     reduction/waivement    of    Service  Charges   including
         handling/processing, upfront, collection, discount charges etc. on also Commission on Bank
         Guarantee and Letter of Credit in case to case basis may be considered as under:

i)     a. Concession upto 25% may be permitted by Branch Head/Zonal Heads headed by AGM/DGM &
           DGM (Credit) Head Office, in case of limit sanctioned within their Discretionary Authority or a
           lower authority. i.e minimum 75% charges are to be realized.
       b. Concession upto 50% may be permitted by Zonal Heads (GM)/General Manager (Credit) Head
           Office in case of limits sanctioned by themselves/ or sanctioned by a lower authority.
       c. Concession upto 75% may be permitted by the Executive Director in case of limit sanctioned
           upto his/her authority or sanctioned by a lower authority i.e. 25% of normal charges to be
           realized.
       d. Concession upto 100% may be permitted by the CMD/ED (in absence of CMD) in case of limit
           sanctioned in all cases including himself and those sanctioned by MCBOD. However, for the
           limit sanctioned by MCBOD reporting will be made to the MCBOD within 60 days.
ii)    Concessional charges @ 25% of normal charges on Guarantee/s fully secured by Cash/FDR
       (normal rate) may be realized subject to minimum charge of Rs.700 (Rs.200+ Rs.500). Since it is a
       concessional facility, no further concession would be permitted at field level.
iii)   Concessional charges @ 50% of normal charges for Guarantees issued by the Bank against
       counter Guarantee of State Government/Central Government/Prime Bank will be allowed.
iv)    a) Service Charges viz. processing fees, upfront fees, mortgage charges and documentation
          charges in the accounts having limit up to Rs.5 lac under agriculture/priority sector credit only
          may be waived by the respective Zonal Heads to the extent of 100%.
       b) Inspection & Supervision charges may be reduced to the extent of 50% of normal charges in
         agriculture and other priority sector credit by the respective Zonal Heads.

v)     For waiver of prepayment charges, in case it is sanctioned by Branch/Zonal Office, permission
       from Zonal Office/Head Office will be obtained. In case the loan is sanctioned by Head Office, such
       waiver will be considered by respective sanctioning authority.
vi)    Service Charges will not be realized if specifically mentioned in any of Bank‟s/RBI/Govt.
       Schemes/Guidelines.
       No Charges will be realized for Staff Loans. However out of pocket charges will be realized on
       actual basis.




                                                  ***



                                                      40
           Section ‘F’




  CORE BANKING SOLUTION (CBS)
& CHEQUE TRUNCATION SYSTEM(CTS)
        RELATED ISSUES




               41
                                                            SECTION ‘F’
             CORE BANKING SOLUTION (CBS) & CHEQUE TRUNCATION SYSTEM(CTS)
                                   RELATED ISSUES

 1.           SERVICE CHARGES OF ‘ANYWHERE BANKING FACILITY’
              (As per I C No. 10118/MSD/08-09/01 dt. 01.08.2008)
 The Charges for Anywhere Banking Facilities offered to the customers of all CBS branches are
 appended below:

1.A.         Financial Transactions
 Sl.          Services /
                                              Particulars                                       Service Charges
 No.           Facilities
                             Intra City (Within the City)                      Up to Rs. 25,000/- NIL
                             (Through Local Non-Home Branches)                 Above Rs. 25,000/- Re. 1.00 per Rs. 1,000/- or part
                             Transaction Charges for Cash Deposit              thereof,
               CASH                                                            (Applicable on whole amount)
    I.
              DEPOSIT        Inter City                                        Up to Rs. 25,000/- NIL
                                                                               Above Rs. 25,000/- Rs. 3.00 per Rs. 1,000/- or part
                             (Through Non-Home Branches)                       thereof,
                             Transaction Charges for Cash Deposit              (Applicable on whole amount)
                             Intra City (Within the City)                      Up to Rs. 25,000/- NIL
                                                                               Above Rs. 25,000/- Re.1.00 per Rs.1,000/- or part
                             (Through Local Non-Home Branches)                 thereof,
                CASH         Transaction Charges for Cash Withdrawal           (Applicable on whole amount)
II.          WITHDRAWAL
                             Inter City                                        Up to Rs. 25,000/- NIL
                             (Through Non-Home Branches)                       Above Rs. 25,000/- Rs. 3.00 per Rs. 1,000/- or part
                             Transaction Charges for Cash Withdrawal           thereof,
                                                                               (Applicable on whole amount)
                             Intra City (Within the City)

                             (Through Local Non-Home Branches)
                                                                             NIL
             TRANSFER        Transaction Charges for Transfer of Funds
 III.
             OF FUNDS        Inter City                                        Up to Rs. 25,000/- NIL
                             (Through Non-Home Branches)                       Above Rs. 25,000/- Rs. 2.00 per Rs. 1,000/- or part
                             Transaction Charges for Transfer of Funds         thereof,
                                                                               (Applicable on whole amount)
                             Intra City (Within the City)

                             Collection of Local Cheques through clearing     NIL
                             by Local Non-Home branches
             COLLECTION
 IV.         OF CHEQUE       Inter City

                             Cheques collected through Outstation Non-         NIL
                             Home Branches (drawn on Other Banks
                             within clearing area of that Centre)
                                     Service Tax & Other Taxes as applicable from time to time would be exclusive of above
                                      charges.
    OTHER CHARGES
                                     Our existing charges not mentioned above, if any, will remain unchanged.



1.B. Non-Financial Transactions:
                                     Particulars                                                    Service Charges

        Statement charges for SB, Current, CC/OD A/cs
                                                                                                           NIL
        Balance Enquiry, Details of last five transactions, status of the Cheque




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2.         SERVICE CHARGES OF ‘MULTI CITY CHEQUE (MCC) FACILITY’
           (As per I C No. 10118/MSD/08-09/01 dt. 01.08.2008)

2.A        Minimum Balance criteria for MCC Facility:

                 Type of                 Maintenance of Minimum                                             Other Requirements
           Multi City Account            Quarterly Average Balance (QAB)
                                            (Calendar Quarter i.e. Mar; Jun, Sep & Dec)
 Multi City Savings Bank A/c             Rs. 2,000/-                                                         Accounts should have
 Multi City Current Account              Rs. 5,000/-                                                         been opened as per
 Multi City CC/OD Account                As per Sanctioned Limit                                             the              KYC
                                                                                                             Norms/Procedures
 Note:
 Accounts of minors, illiterate persons, blind persons, accounts under litigation/court attachment, pension accounts
  and accounts where operations are encumbered are not eligible to avail this MCC Facility.


2.B        The Service Charges for various services offered to customers are appended
           below.

                                         Multi City                            Multi City                            Multi City
         Service/
                                   Savings Bank Account                     Current Account                        CC/OD Account
      Penal Charges

Cheque Leaf Charges             Rs. 3/- Per leaf                   Rs. 3/- Per leaf                         Rs. 3/- Per leaf

Transaction Charges for
                                         Upto Rs. 10,000/-        Rs.1.50 per Rs. 1000/- or part           Rs.1.50 per Rs. 1000/- or
Cash Withdrawal/Transfer        - Nil                              thereof,                                 part thereof,
of Funds                                                           Minimum Rs.15/-,                         Minimum Rs.15/-,
                                        Above Rs.
                                10,000/- Rs.1.50 per Rs.           Maximum Rs. 10,000/-                     Maximum Rs. 10,000/-
                                1000/- or part thereof,
                                Minimum Rs.15/-,
                                Maximum Rs. 10,000/-
Clearing Transaction
Charges                                       NIL                                   NIL                                   NIL

Penal Charges for Non-          Rs. 50/- Per Quarter               Rs. 200/- Per Quarter                    Not applicable
Maintenance of Minimum          (End of Calendar Quarter           (End of Calendar Quarter i.e.
Quarterly Average Balance       i.e. March, June,                  March, June, September &
                                September & December)              December)
Cheque Retuned unpaid           Rs. 100/- per instrument           Rs. 100/- per instrument                 Rs. 100/- per instrument
Charges

Stop Payment Charges            Rs. 50/ Per Instrument             Rs. 50/ Per Instrument                   Rs. 50/ Per Instrument

Issuance       of    DD/BC      Transaction charges for SB A/c     Transaction charges for Current A/c      Transaction charges for CC/OD A/c
                                                 +                                    +                                      +
Charges                         Existing Charges for Issuance of   Existing Charges for Issuance of DD/BC   Existing Charges for Issuance of
                                DD/BC                                                                       DD/BC


Service Tax & Other Taxes       Service Tax & Other Taxes as applicable would be exclusive of above charges.




3.0        CHEQUE TRUNCATION SYSTEM(CTS) - RECOVERY OF PROCESSING CHARGES

           As per directives of Reserve Bank of India, following service charges are introduced for
           instruments presented in CTS are as under:

i.             Complete waiver of processing charges for the period from August 01, 2008 till March 31, 2009
ii.            Recovery of Re.1/- per instrument (shared equally by the presenting and drawee bank) from April 01, 2009


                                                               ***

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