Cash Transfer Receipt Format - Excel - Excel by dtc13290

VIEWS: 228 PAGES: 33

More Info
									UNION BANK OF INDIA
PRDD (O&M)

                                         Schedule of service charges on inland transactions

(I) Service charges which are subject to Service Tax

                                                                                            Charges (Rs.)
                                                                                                  Ser.Tax
 Sr.                                                                                            inclusive of
            Nature of Service             Particulars                           Basic Service
 No.                                                                Unit                         Education
                                                                                   Charges
                                                                                                    Cess
                                                                                                  @12.24%
  1     Collection of Cheques
 (a)    Collection of local                                 Free
        cheques by local non-
        base branches for credit
        to local base branch.


 (b)    Collection of Outstation
        cheques (For non-CMS
        clients)
  (i)   Cheques drawn on CBS      Upto Rs.5000              Per cheque          36.00           4.41
        branches of Union Bank
                                  Rs.5001 – 10000           Per cheque          45.00           5.51
        of India and deposited at
        any CBS Branch AND        Rs.10001 – 50000          Per 1000            2.00            0.24
                                                            Minimum             50.00           6.12
                      Cheques
                                   Rs.50001 - Rs.100000     Per 1000            1.50            0.18
        drawn on Bank other
        than Union Bank of India                            Minimum             100.00          12.24
        and deposited at centre    Above Rs.100000          Per 1000            1.00            0.13
        on which it is drawn.
                                                            Minimum             150.00          18.36

                                                            Maximum             1500.00         183.60
 (ii)   Cheques drawn on CBS      Upto Rs.5000              Per cheque          36.00           4.41
        branches of Union Bank
                                  Rs.5001 – 10000           Per cheque          45.00           5.51
        of India and deposited at
        any CBS Branches in the Rs.10001 – 50000            Per 1000            2.00            0.24
        account under same                                  Minimum             50.00           6.12
        customer ID.
                                  Rs.50001 - Rs.100000      Per 1000            1.50            0.18

                                                            Minimum             100.00          12.24

                                   Above Rs.100000          Per 1000            1.00            0.13
                                                            Minimum             150.00          18.36

                                                            Maximum             1500.00         183.60
                                   Concession to account holders under UCCA in CBS Branches, MGCA in Non-CBS branches & M
                                   & Non-CBS) are as specified in the instruction circulars on these schemes. (All cheques draw
                                   CBS/non-CBS branches and other banks to be considered for free limit)




                                                                                                               1
                                                                                              Charges (Rs.)
                                                                                                   Ser.Tax
Sr.                                                                                              inclusive of
            Nature of Service              Particulars                           Basic Service
No.                                                                       Unit                    Education
                                                                                    Charges
                                                                                                     Cess
                                                                                                   @12.24%
(iii)   Cheques drawn on Bank       Upto Rs.5000               Per cheque        28.00           3.43
        other than Union Bank of
                                    Rs.5001 – 10000            Per cheque        45.00           5.51
        India and deposited at
        center other than the       Rs.10001 – 10 lacs         Per 1000          5.00            0.61
        center on which it is                                  Minimum           50.00           6.12
        drawn. AND Cheques
                                    >Rs.10 lacs - Rs.25 lacs   Per 1000          5.00            0.61
        drawn on Non-CBS
        branches of Union Bank                                 Minimum           5000.00         612.00
        of India and deposited at   Above Rs.25 lacs           Per 1000          4.00            0.49
        any CBS Branch
                                                               Minimum           12500.00        1530.00
                                                               Maximum           25000.00        3060.00
                                    Concession to account holders under UCCA in CBS Branches, MGCA in Non-CBS branches & M
                                    & Non-CBS) are as specified in the instruction circulars on these schemes. (All cheques draw
                                    CBS/non-CBS branches and other banks to be considered for free limit)


                                    The charges should be recovered from the beneficiary's account by that CBS branch which p
                                    through the transaction of crediting the proceeds.


 2      Collection of Bills         Upto Rs.10000              Per bill          107.00          13.10
                                    Rs.10001 – 1 lacs          Per 1000          9.00            1.10
                                                               Minimum           107.00          13.10
                                    >Rs.1 lacs-Rs.25 lacs      Per 1000          8.00            0.98
                                                               Minimum           900.00          110.16
                                    Above Rs.25 lacs           Flat              25000.00        3060.00
                                    Note for CBS branches: Where the forwarding branch is a CBS branch, charges to be recover
                                    branch which realises the bills. The proceeds should be directly credited to the beneficiary
                                    held at the forwarding CBS branch. No authority cheque is to be issued.



 3      Collection of cheques in Same as applicable to
        National Clearing        collection of outstation
                                 cheques i.e.


                                    Upto Rs.5000               Per cheque        28.00           3.43
                                    Rs.5001 – 10000            Per cheque        45.00           5.51
                                    Rs.10001 – 10 lacs         Per 1000          5.00            0.61
                                                               Minimum           50.00           6.12
                                    >Rs.10 lacs - Rs.25 lacs   Per 1000          5.00            0.61
                                                               Minimum           5000.00         612.00
                                    Above Rs.25 lacs           Per 1000          4.00            0.49
                                                               Minimum           12500.00        1530.00
                                                               Maximum           25000.00        3060.00




                                                                                                                 2
                                                                                         Charges (Rs.)
                                                                                               Ser.Tax
Sr.                                                                                          inclusive of
          Nature of Service            Particulars                           Basic Service
No.                                                             Unit                          Education
                                                                                Charges
                                                                                                 Cess
                                                                                               @12.24%
4     Remittances (DD/TT/MT)    Upto Rs.5000             Per remittance     36.00            4.41
                                Rs.5001 – 10000          Per remittance     45.00            5.51
                                Rs.10001 – 1 lac         Per 1000           3.50             0.43
                                                         Minimum            45.00            5.51
                                > Rs.1 lac               Per 1000           3.00             0.37
                                                         Minimum            400.00           48.96
                                                         Maximum            15000.00         1836.00


5     Bankers’ cheque/          Upto Rs.1000             Per instrument     27.00            3.30
                                Rs1001 - 5000            Per instrument     32.00            3.92
                                Rs5001 - 10000           Per instrument     37.00            4.53
             Pay Order          Rs.10001 & above         Per 1000           3.00             0.37
                                                         Minimum            45.00            5.51
                                                         Maximum            11000.00         1346.40
                                Issuance of Bankers’
                                cheque/ Pay Order at
                                local non-base branch
                                or outstation non-base
                                                                                                     Same as above
                                branch      (Facility
                                available only at CBS
                                Branches)


6     Remittances against                                                   Normal DD/PO charges plus 50% of normal char
      tender of cash
                                As per the extant guidelines DD/PO should
      (DD/MT/TT/PO)
                                be issued for less than Rs.50000 against
                                tender of cash.
                                Remittance     against                                               Same as above
                                tender of cash from
                                local non-base branch
                                or outstation non-base
                                branch      (Facility
                                available only at CBS
                                Branches)


7     Purchase of DD / PO for Upto Rs.1000               Per instrument     14.00          1.71
      educational purpose by Above Rs.1000                                             Normal charges applicable to DD/PO
      students



8     RTGS                                              Per 1000             1.00          0.13
                                                        Maximum              1500.00       183.60
                                Minimum amount of Remittance under RTGS is Rs. 1 lac
                                Concession to UCCA a/c holders as per the scheme will be applicable.

9     Electronic Fund Transfer/ National Electronic Fund Transfer
                                Upto Rs.5000             Per remittance     36.00            4.41



                                                                                                              3
                                                                                             Charges (Rs.)
                                                                                                   Ser.Tax
Sr.                                                                                              inclusive of
          Nature of Service              Particulars                             Basic Service
No.                                                                   Unit                        Education
                                                                                    Charges
                                                                                                     Cess
                                                                                                   @12.24%
                                  Rs.5001 – 10000               Per remittance   45.00           5.51

                                  Rs.10001-50000                Per 1000         2.00            0.24
                                                                Minimum          50.00           6.12
                                  Rs.50001-100000               Per 1000         1.50            0.18
                                                                Minimum          100.00          12.24

                                  > Rs.100000                   Per 1000         1.00            0.13

                                                                Minimum          150.00          18.36

                                                                Maximum          1500.00         183.60

                                                                                 No charges should be levied if the fund transfe
                                                                                 creation of term deposit or payment of installm
                                                                                 UIRD/ cumulative deposit.



10    Multicity cheques
      Local - Multicity cheques                                                  Free
      deposited at specified
      centres will be treated
      as local.
      Outstation                  Upto Rs.25000                                  Free
                                  Rs.25000 - 100000             Per 1000         1.50            0.18
                                                                Minimum          50.00           6.12
                                  Above Rs.100000               Per 1000         1.00            0.13
                                                                Minimum          150.00          18.36
                                                                Maximum          1500.00         183.60
                                  i) Charges under                               Same as above subject to exemptions as applic
                                  UCCA/MGCA(Non-                                 under the schemes
                                  CBS)/MGSA accounts
                                  ii) If the fund transfer is                    NIL
                                  for creation of term
                                  deposit or payment of
                                  installment in UIRD/
                                  cumulative deposit in
                                  our Bank.

                                  iii) Charges for issuance
                                  of chequebooks should
                                  be recovered
                                  separately.


                                  NOTE: The CBS branch which puts through the transaction should recover the charges by de
                                  drawer's account.

11    Sweeps Facility             Between accounts in                            Free
                                  local branches




                                                                                                                4
                                                                                             Charges (Rs.)
                                                                                                   Ser.Tax
Sr.                                                                                              inclusive of
          Nature of Service             Particulars                              Basic Service
No.                                                                   Unit                        Education
                                                                                    Charges
11    Sweeps Facility                                                                                Cess
                                                                                                   @12.24%
                                 Between accounts at                             Charges as applicable to Standing instructions
                                 outstation CBS
                                 branches

                                 i) Charges for UCCA /                           Same as above subject to exemptions as applic
                                 MGCA(Non-CBS) / MGSA                            under the schemes
                                 A/cs

                                 ii) If the fund transfer is                     NIL
                                 for creation of term
                                 deposit or payment of
                                 installment in UIRD/
                                 cumulative deposit in
                                 our Bank.


12    Concession to UCCA/ Concession to account holders under UCCA in CBS Branches, MGCA in Non-CBS branches & M
      MGSA on remittances & Non-CBS) are as specified in the instruction circulars on these schemes. (All cheques draw
      through    DD,     TT,   CBS/non-CBS branches and other banks to be considered for free limit)
      MT,PO,EFT, NEFT, RTGS,
      on line fund transfer
      between CBS centers,
      use of Multicity Cheques
      and sweeps



13    Remittances for creation                                                   NIL
      of a term deposit or
      payment of installment
      of UIRD/ cumulative
      deposit


14    Cover   charges    on      Cover Charges (Including T.T. discounting charges ) on High Value Remittances, Wherever ap
      remittances                should be recovered separately.

15    Electronic   Clearing                                    Per transaction   1.00            0.12
      Service


16    Issue of duplicate DD/ PO Upto Rs.1 lac                  Per instrument    90.00           11.02
                                 Above Rs. 1 lac                                 50 % of applicable charges on DD/PO on the da
                                                                                 request

                                                               Minimum           90.00           11.02
                                 For students                  Per instrument    14.00           1.71




                                                                                                                5
                                                                                           Charges (Rs.)
                                                                                                 Ser.Tax
Sr.                                                                                            inclusive of
          Nature of Service              Particulars                           Basic Service
No.                                                                 Unit                        Education
                                                                                  Charges
                                                                                                   Cess
                                                                                                 @12.24%
17    Cancellation of DD/PO       Upto Rs.1 lac             Per instrument     67.00           8.20

                                  Above Rs.1 lac            Per instrument     90.00           11.02

                                  For students              Per instrument     14.00           1.71


18    Revalidation of DD/PO       No revalidation allowed   Per instrument     90.00           11.02
      (upto 1 year from the       after 1 year.
      date of issue)


19    Duplicate Statement/        For entries upto one      SB - Per folio     45.00           5.51
      Pass book                   year (40 entries to be
                                  treated as one ledger     CD -Per folio      45.00           5.51
                                  folio)                    Minimum            90.00           11.02

                                  For entries older than    SB - Per ledger    54.00           6.61
                                  one year (40 entries to   folio
                                  be treated as one         CD - Per ledger    134.00          16.40
                                  ledger folio)             folio

20    Duplicate Deposit Receipt                             Per receipt        45.00           5.51



21    Issue of Call Deposit                                 Per receipt        90.00           11.02
      Receipt

22    Issue of cheque books       MICR                      Per ch. Leaf       3.00            0.37
      including Multi City
      Cheque Books                Non-MICR                  Per ch. Leaf       3.00            0.37

                                  Subject to free cheque books in a financial year as per the respective schemes i.e. UCCA / M
                                  (Non-CBS) & MGSA.


23    Stop Payment                Single cheque             Per instruction    107.00          13.10
      Instructions                Range of cheques          SB - Per           250.00          30.60
                                                            instruction
                                                            CD - Per           535.00          65.48
                                                            instruction

24    Standing Instructions
(a)   Transaction involving                                                    Free
      credit   to  another
      account within the
      branch




                                                                                                              6
                                                                                               Charges (Rs.)
                                                                                                     Ser.Tax
 Sr.                                                                                               inclusive of
           Nature of Service               Particulars                             Basic Service
 No.                                                                    Unit                        Education
                                                                                      Charges
                                                                                                       Cess
                                                                                                     @12.24%
 (b)   Transactions involving       Execution                    Per transaction   32              3.92
       credit to account in
                                    Credit to account in the
       another branch
                                    CBS branch at
                                    outstation centers
                                    Upto Rs.5000                 Per remittance    36.00           4.41
                                    Rs.5001 – 10000              Per remittance    45.00           5.51

                                    Rs.10001-50000               Per 1000          2.00            0.24
                                                                 Minimum           50.00           6.12

                                    Rs. 50001 – 100000           Per 1000          1.50            0.18

                                                                 Minimum           100.00          12.24

                                    Above Rs. 100000             Per Rs.1000       1.00            0.13

                                                                 Minimum           150.00          18.36

                                                                 Maximum           1500.00         183.6
                                    Credit to account in the                       Charges at prescribed rate for remittances i.e.
                                    non-CBS branch at                              DD/TT/MT and the actual postage shall be reco
                                    outstation centres                             additionally.

                                    iii) If the transaction is                     NIL
                                    for creation of term
                                    deposit or payment of
                                    installment in UIRD/
                                    cumulative deposit.



 25    Inability to carry out                                    Per occasion      45.00           5.51
       standing instructions due
       to insufficient balance in
       the account


26(a) Cash Deposit at local Non- Cash Deposit at local                             Free
      base Branch                non -base Branch

26(b) Cash    Deposit at            Upto Rs.5000                 Per deposit       36              4.41
      Outstation Non-base
                                    Rs.5001 – 10000              Per deposit       45              5.51
      Branch
                                    Rs.10001-50000               Per 1000          2               0.24
                                                                 Minimum           50              6.12
                                    Rs. 50001 – 100000           Per 1000          1.5             0.18
                                                                 Minimum           100             12.24
                                    Above Rs. 100000             Per 1000          1               0.13
                                                                 Minimum           150             18.36
                                                                 Maximum           1500            183.6
27(a) Cash Withdrawal at Base                                    Free
      Branch




                                                                                                                  7
                                                                                             Charges (Rs.)
                                                                                                   Ser.Tax
 Sr.                                                                                             inclusive of
           Nature of Service             Particulars                             Basic Service
 No.                                                                 Unit                         Education
                                                                                    Charges
                                                                                                     Cess
                                                                                                   @12.24%
27(b) Cash Withdrawal at local No    Third     Party          Free
      Non-base Branch          withdrawals allowed.


27(c) Cash Withdrawal at          No    Third     Party
      Outstation Non-base         withdrawals allowed
      Branch
                                  Upto Rs.5000                Per deposit        36              4.41

                                  Rs.5001 – 10000             Per deposit        45              5.51
                                  Rs.10001-50000              Per 1000           2               0.24

                                                              Minimum            50              6.12
                                  Rs. 50001 – 100000          Per 1000           1.5             0.18

                                                              Minimum            100             12.24

                                  Above Rs. 100000            Per 1000           1               0.13
                                                              Minimum            150             18.36
                                                              Maximum            1500            183.6
                                  UCCA a/c                    Free
                                  Cash withdrawal at non
                                  base branch will be
                                  allowed subject to
                                  Maximum limit of
                                  Rs.100000 per day


 28    Charges for non-           SB - With chequebook        Per quarter        81.00           9.91
       maintenance of                 Without ch.book         Per quarter        54.00           6.61
       minimum balance
                                  SB(Pension)      -   With   Per quarter        27.00           3.30
                                  chequebook
                                  SB(Pension) - Without       Per quarter        14.00           1.71
                                  chequebook
                                  CD - Companies          Per quarter         348.00        42.60
                                  CD - Others             Per quarter         268.00        32.80
                                  NON CBS Branches will recover propotionately every monthe based on monthly minimum
                                  maintained. CBS branches will recover on the basis of QAB
                                  In case of UCCA, MGCA and MGSA if the Average Quarterly Balance falls below the prescribe
                                  two successive quarters, all value added services will stand withdrawn for such customer.

 29    Ledger Folio used in       Per folio                   Per annum.         81.00           9.91
       CD/OD/CC A/cs              Subject to free folios as
                                  under :
                                  Avg. cr. Balance(Rs.)       Free Folios p.a.
                 (For Accounts
       maintained on computer     Upto 25,000                 Nil
       40 entries or part         >25,000-50,000              3
       thereof to be treated as   >50,000-1 lac               5
       one ledger folio.)         >1 lac- 2 lacs              10
                                  > 2 lacs                    All

 30    Closure of Account         i)CD – Companies                               454.00          55.57
       within 12 months


                                                                                                                8
                                                                                           Charges (Rs.)
                                                                                                 Ser.Tax
Sr.                                                                                            inclusive of
          Nature of Service                 Particulars                        Basic Service
No.                                                                   Unit                      Education
                                                                                  Charges
                                                                                                   Cess
30    Closure of Account                                                                         @12.24%
      within 12 months                     - Others                            273.00          33.42
                                  ii) SB
                                  - with cheque book                           134.00          16.40
                                  - without cheque book                        90.00           11.02



31    Enquiry relating to old     1 to 3 yrs. old          Per item            103.00          12.61
      records (More than 12       3 to 5 yrs. old          Per item            156.00          19.09
      months old)                 More than 5 yrs. Old     Per item            223.00          27.30


32    Inoperative/Dormant         i) Account with          Nil
      Account                     minimum balance or
                                  above

                  (Dormancy
      period:
      CD Account – 1 year         ii) Account below
                                  minimum balance but
                                  above Rs.100
                                  - Metro/Urban            Per annum.          90.00           11.02
          SB Account – 2 years)
                                  - Semi-urban/ Rural      Per annum       or 45.00            5.51
                                                           o/s.  balance
                                                           whichever is less
                                  iii) Balance Rs.100 or   Full balance
                                  less                     amount to be
                                                           appropriated and
                                                           a/c to be closed.
                                                           Letter to be sent
                                                           to accountholder
                                                           informing closure
                                                           of account.




                                  Note:1) Dormancy period: CD Accounts – 1 year; SB Accounts – 2 years
                                  2) Folio charges in CC/CD accounts will be applicable to dormant CC/CD accounts.
                                  3) Charges for non-maintenance of minimum balance should also be recovered wherever ap



33    Charges for customer                                 Per entry           14.00           1.71
      induced debit entries in
      excess of 40 entries per
      quarter in SB A/c


34    Presentation of Usance                               per bill            107.00          13.10
      Bills for acceptance




                                                                                                              9
                                                                                          Charges (Rs.)
                                                                                                Ser.Tax
Sr.                                                                                           inclusive of
          Nature of Service                Particulars                        Basic Service
No.                                                                   Unit                     Education
                                                                                 Charges
                                                                                                  Cess
                                                                                                @12.24%
 35   Safe Custody charges        Scrips                     Per scrip        9.00            1.10
                                                             Minimum          90.00           11.02
                                  Sealed Covers              Per cover        179.00          21.91
                                  Sealed boxes
                                  Upto 1000 cc               Per box          499.00          61.08
                                  Upto 8000 cc               Per box          1003.00         122.77
                                  Upto 27000 cc              Per box          1502.00         183.84
                                  Large boxes                Per cc           0.13            0.02
                                                             Minimum          3000.00         367.20
                                  Bank's Own       Deposit   Nil
                                  Receipt
 36   Processing charges on
      advances proposals
      excluding retail lending
      schemes (Applicable to
      non-fund based advances
      also)

                                  Upto Rs 25000                               Nil

                                  Rs 25001 - 2 lacs          Per proposal     254.00          31.09
                                  Above Rs.2 lacs-10 lacs    Per Rs.1 lac     200.00          24.48

                                  Rs.10 lacs - 1 crore       Per Rs.1lac      154.00          18.85
                                                             Minimum          2504.00         306.49
                                  Above Rs. 1 crore          Per Rs.1ac       100.00          12.24

                                                                              15000.00        1836.00
                                                                              500000.00       61200.00


37(a) Renewal/ Modifications
      (i) Renewal at existing                                                 75% of          75% of
      level                                                                   normal basic    normal tax
                                                                              charges

      (ii) Renewal with           On original limits                          75% of          75% of
      enhancement:                renewed                                     normal basic    normal tax
                                                                              charges
      (Charges should be          On enhanced portion of                                             Normal Charges
      levied on pro-rata basis)   limits

      (iii) If enhancement is     On enhanced portion of Normal charges should be levied on pro-rata basis for the relevant
      subsequent to renewal       limits                 as to coincide with expiry date of original limit.
      of original limit
      (iv) In case of gap                                                     Processing charges from the date of actual ren
      between expiry date of                                                  (with or without enhancement) as per prescrib
      original facility and its                                               should be levied.
      actual renewal with or
      without enhancement




                                                                                                             10
                                                                                                Charges (Rs.)
                                                                                                     Ser.Tax
 Sr.                                                                                               inclusive of
           Nature of Service             Particulars                             Basic Service
 No.                                                                 Unit                           Education
                                                                                    Charges
                                                                                                       Cess
                                                                                                     @12.24%
                                                                                 In case the facility is utilised during the interm
                                                                                 period i.e. from the expiry of original limits till
                                                                                 renewal, processing charges at prescribed rat
                                                                                 rata basis should be levied.

                                                                                 In case the facility is kept under abeyance dur
                                                                                 intermittent period, processing charges need
                                                                                 levied.

       (v) Ad-hoc sanctions                                                      Normal processing charges for the period of s
                                                                                 should be levied on pro-rata basis till its adjus
                                                                                 conversion to regular limit.

                                                                                 Same will be applicable for further renewal of
                                                                                 sanction.
37(b) Processing charges on       i) At the time of                                                     Normal Charges
      term loans                  sanction
                                  ii) At the time of review   a. In case there   50% of           50% of
                                  (Processing charges         are no overdues    normal basic     normal tax
                                  should be levied on         in respect of      charges
                                  outstanding      loan       installment/
                                  amount and not on the       interest
                                  sanctioned amount.)
                                                              b. In case there                          Normal Charges
                                                              are overdues in
                                                              respect of
                                                              installment/
                                                              interest

                                  NOTE: NORMAL CHARGES, NORMAL BASIC CHARGES & NORMAL TAX MENTIONED IN SR. NO. 37
                                  37(b) WOULD MEAN TOTAL CHARGES, BASIC CHARGES & TAX PRESCRIBED AT SR.NO.36.



   38 Guarantee commission
       i) Performance Guarantee                                                  154 + 2.05       18.85 + 0.25
                                                                                 per 100 p.a.     per 100 p.a.

                                                              Minimum:Charges    1.03%            0.126%
                                                              applicable for 2
                                                              quarters
       ii) Other Guarantees                                                      154+3.03 per 18.85+0.37
                                                                                 100 p.a.     per 100 p.a.

                                                              Minimum:Charges    1.51%            0.185%
                                                              applicable for 2
                                                              quarters
                                  NOTE: i) Guarantee commission at the above rates should be applied with minimum of Rs.17
                                  charges applicable for two quarters for the guarantee issued for the period upto six months




                                                                                                                  11
                                                                                        Charges (Rs.)
                                                                                              Ser.Tax
Sr.                                                                                         inclusive of
         Nature of Service           Particulars                            Basic Service
No.                                                            Unit                          Education
                                                                               Charges
                                                                                                Cess
                                                                                              @12.24%
                              ii) Guarantee for the period beyond six months would attract commission, reckoning the pa
                              of guarantee beyond 6 months in terms of completed quarters and part thereof.
                                                                        e.g. If a performance guarantee is issued for 16 m
                              guarantee commission is to be levied as follows:
                                                              For 1 year the commission should be levied @172.85+ 2.30%
                              Commission for remaining 4 months commission should be levied by reckoning 4 months a
                              quarters @0.575% per quarter inclusive of service tax.



39    Refund of Guarantee     If the purpose for which the guarantee was    Nil
      Commission              issued is served and the original guarantee
                              is returned for cancellation before the
                              expiry date.
                              In other cases if the purpose is not served   50% of original rate for the unexpired period o
                              and original guarantee is tendered for        guarantee less 3 months.
                              cancellation before the date of expiry


                              e.g. If the purpose for which guarantee was
                              issued is not served and the guarantee is
                              tendered for cancellation with an
                              unexpired period of 10 months, refund will
                              be calculated for 7 months @50% of original
                              commission.


40    Renewal/Extension of                                                  Same charges as applicable for issuance of fres
      Guarantee                                                             guarantee except that the claim period not to
                                                                            charged if the renewal is effected before the e
                                                                            date of the original guarantee


      Gurantees secured by                                                  NIL
      100% cash margin
      Gurantees secured by                                                  154 + 25% of 18.85 + 25%
      100% term deposit                                                     normal        of normal
      including third party                                                 basiccommissi Tax
      deposits of our bank                                                  on
                              NOTE: NORMAL COMMISSION, NORMAL BASIC COMMISSION & NORMAL TAX MENTIONED IN SR.
                              WOULD MEAN TOTAL CHARGES, BASIC CHARGES & TAX PRESCRIBED AT SR.NO.38




                                                                                                           12
                                                                                            Charges (Rs.)
                                                                                                  Ser.Tax
Sr.                                                                                             inclusive of
          Nature of Service             Particulars                             Basic Service
No.                                                                  Unit                        Education
                                                                                   Charges
                                                                                                    Cess
                                                                                                  @12.24%
41    Inland Letter of Credit
      i) LC Opening charges      a)Usance Charge with a     a) Usance Charge: 2.05%             0.25%
                                 min. mentioned below       2.30% p.a. for the
                                 AND                        usance period for
                                                            complete month
                                                            or part thereof. In
                                 b)Commitment Charge        case of sight
                                 should be levied:          bills/usance for
                                                            less than 1
                                                            month, minimum
                                                            one month charges




                                 Minimum                    Rs.561              500.00          61.20
                                 b) Commitment Charges.


                                 For the period of          1.16% p.a. with a   1.03            0.13
                                 liability (from the date   minimum period
                                 of opening of credit to    of 1 month or
                                 the last date of its       part thereof.
                                 validity)


      ii) Extension of period    An extension may be allowed free of         1.03%              0.1261%
                                 commitment charge, if such extension does
                                 not run to next month, otherwise a fresh
                                 charge of 1.1561% p.a. for a minimum
                                 period of 1 month with a min. of Rs. 561.20




      iii) Increase in amount of When the amount of credit is subsequently      500.00          61.20
      credit                     increased both usance & commitment
                                 charge shall be made on the amount so
                                 increased with a minimum charge of Rs.
                                 561.20


      v) Revolving LC            Same as per LC opening charges + on each   2.05% p.a           0.25% p.a.
                                 reinstatement usance charges 2.30% p.a.
                                 according to tenor & commitment charge of
                                 1.10% p.a. on reinstated amount - min. Rs.
                                 561.20 inclusive of tax


      vi) Advising of LCs                                                       500.00          61.20


      vii) Advising of                                      Per amendment       300.00          36.72
      amendments


      viii) Confirmation of LC                                                  As applicable to LC opening charges



                                                                                                               13
                                                                                           Charges (Rs.)
                                                                                                 Ser.Tax
Sr.                                                                                            inclusive of
          Nature of Service             Particulars                            Basic Service
No.                                                               Unit                          Education
                                                                                  Charges
                                                                                                   Cess
                                                                                                 @12.24%
      ix) Transferrable LC                                 Per transfer       500.00           61.20
      x) Acceptance                                                           On all LCs established by other banks calling fo
      Commission                                                              drafts to be drawn on & accepted by our bank,
                                                                              acceptance commission @2.30% p.a. with a mi
                                                                              Rs.561.20 inclusive of tax shall be charged




      xi) Bills received under                                                0.20%            0.0245%
      LC

      xii) Negotiation Charges   For bills upto Rs.2.50                       0.40%            0.049%
                                 lacs
                                 Minimum                                      500.00           61.20
                                 For bills over Rs.2.50                       0.26%            0.0318%
                                 lacs
                                 with a minimum plus Min.                     1000.00          122.40
                                 discount at applicable
                                 rate of interest from
                                 the date of negotiation
                                 to   the   date    of
                                 reimbursement

                                 Collection of LCs         Negotiation charges & interest thereon are to be collected for the
                                 established by other      established by other banks. In such case, collection charges should
                                 banks                     levied
                                 In case of LCs          In case of LC's established by our bank branches, only collection &
                                 established by our bank interest as per rating should be collected for the usance period. In
                                 branches                sight documents interest for a maximum period of 15 days should
                                                         collected subject to a minimum mentioned below.


                                 Minimum in case of                           500.00           61.20
                                 sight documents

      xiii) Guarantees on        1. If payment received                       0.23%            0.0282%
      account of discrepancies   under reserve is
      in documents               credited to
                                 beneficiary's account

                                 2. If payment received                       No charge
                                 under reserve at the
                                 request of the customer
                                 is not parted with



                                 3. When called upon Banks will pay to the negotiating bank the face value of the bill tog
                                 to refund payment   with interest at the commercial rate of the negotiating bank+ char
                                 made to them under Interest/charge, if any would be for customer's account
                                 reserve




                                                                                                              14
                                                                                        Charges (Rs.)
                                                                                              Ser.Tax
 Sr.                                                                                        inclusive of
           Nature of Service            Particulars                         Basic Service
 No.                                                           Unit                          Education
                                                                               Charges
                                                                                                Cess
                                                                                              @12.24%
       xiv) LC secured by 100%                          25% of normal      25%     of   25%    of
       cash margin/term deposit                         charges in respect normal basic normal tax
                                                        of LC opening      charges
                                                        charges subject to
                                                        a minimum of
                                                        Rs.561.20


                                  NOTE: NORMAL CHARGES, NORMAL BASIC CHARGES & NORMAL TAX MENTIONED IN SR. NO. 41
                                  WOULD MEAN TOTAL CHARGES, BASIC CHARGES & TAX PRESCRIBED AT SR.NO.41(i).




(i) Minimum Average Quarterly Balance (AQB) Requirement for CBS branches:                   (Amount in Rs.)
           CENTRES                         Savings Bank Accounts             Current Deposit Accounts
                                   Without chequebook     With chequebook    Companies       Others

Metro                                     500                   1000            10000          5000
Urban                                     500                   1000            10000          3000
Semi-urban                                250                    500            10000          2000
Rural                                     100                    250            5000           1000
Minimum AQB in the accounts of pensioners is Rs.20/-(without chequebook) and Rs.250/- (with chequebook)


(ii) Minimum balance requirements for non-CBS branches:                                  (Amount in Rs.)
            CENTRES                        Savings Bank Accounts             Current Deposit Accounts
                                   Without chequebook     With chequebook    Companies       Others

Metro                                    500                    1000            10000         5000
Urban                                    500                    1000            10000         3000
Semi-urban                               250                     500            10000         2000
Rural                                    100                     250             5000         1000
Minimum balance requirement in the accounts of pensioners is Rs.20/-(without chequebook) and Rs.250/- (with chequebook)




                                                                                                           15
                                                                  AS PER UBI FORMAT



hedule of service charges on inland transactions




                                                 Charges (Rs.)



                                                                             Total




                                                                  40.41

                                                                  50.51

                                                                  2.24
                                                                  56.12
                                                                  1.68
                                                                  112.24
                                                                  1.13
                                                                  168.36

                                                                  1683.60
                                                                  40.41

                                                                  50.51
                                                                  2.24
                                                                  56.12
                                                                  1.68

                                                                  112.24

                                                                  1.13
                                                                  168.36

                                                                  1683.60
 n to account holders under UCCA in CBS Branches, MGCA in Non-CBS branches & MGSA (CBS
S) are as specified in the instruction circulars on these schemes. (All cheques drawn on our
CBS branches and other banks to be considered for free limit)




                                                                                               16
                                                 Charges (Rs.)



                                                                             Total



                                                                  31.43

                                                                  50.51
                                                                  5.61
                                                                  56.12
                                                                  5.61
                                                                  5612.00
                                                                  4.49
                                                                  14030.00
                                                                  28060.00
 n to account holders under UCCA in CBS Branches, MGCA in Non-CBS branches & MGSA (CBS
S) are as specified in the instruction circulars on these schemes. (All cheques drawn on our
CBS branches and other banks to be considered for free limit)


ges should be recovered from the beneficiary's account by that CBS branch which puts
he transaction of crediting the proceeds.


                                                                  120.10
                                                                  10.10
                                                                  120.10
                                                                  8.98
                                                                  1010.16
                                                                  28060.00
CBS branches: Where the forwarding branch is a CBS branch, charges to be recovered by the
hich realises the bills. The proceeds should be directly credited to the beneficiary account
 e forwarding CBS branch. No authority cheque is to be issued.




                                                                  31.43
                                                                  50.51
                                                                  5.61
                                                                  56.12
                                                                  5.61
                                                                  5612.00
                                                                  4.49
                                                                  14030.00
                                                                  28060.00




                                                                                               17
                                               Charges (Rs.)



                                                                          Total



                                                               40.41
                                                               50.51
                                                               3.93
                                                               50.51
                                                               3.37
                                                               448.96
                                                               16836.00


                                                               30.30
                                                               35.92
                                                               41.53
                                                               3.37
                                                               50.51
                                                               12346.40




                                                        Same as above




                                   Normal DD/PO charges plus 50% of normal charges




                                                        Same as above




                                                              15.71
                                             Normal charges applicable to DD/PO




                                                               1.13
                                                               1683.60
amount of Remittance under RTGS is Rs. 1 lac
n to UCCA a/c holders as per the scheme will be applicable.

lectronic Fund Transfer
                                                               40.41



                                                                                     18
                                               Charges (Rs.)



                                                                            Total



                                                                 50.51

                                                                 2.24
                                                                 56.12
                                                                 1.68
                                                                 112.24

                                                                 1.13

                                                                 168.36

                                                                 1683.60

                                   No charges should be levied if the fund transfer is for
                                   creation of term deposit or payment of installment in
                                   UIRD/ cumulative deposit.




                                                                 1.68
                                                                 56.12
                                                                 1.13
                                                                 168.36
                                                                 1683.60
                                   Same as above subject to exemptions as applicable
                                   under the schemes




e CBS branch which puts through the transaction should recover the charges by debiting the
account.




                                                                                             19
                                                 Charges (Rs.)



                                                                             Total



                                    Charges as applicable to Standing instructions




                                    Same as above subject to exemptions as applicable
                                    under the schemes




 n to account holders under UCCA in CBS Branches, MGCA in Non-CBS branches & MGSA (CBS
S) are as specified in the instruction circulars on these schemes. (All cheques drawn on our
CBS branches and other banks to be considered for free limit)




arges (Including T.T. discounting charges ) on High Value Remittances, Wherever applicable,
 recovered separately.

                                                                  1.12



                                                                  101.02
                                    50 % of applicable charges on DD/PO on the date of
                                    request

                                                                  101.02
                                                                  15.71




                                                                                               20
                                               Charges (Rs.)



                                                                           Total



                                                                75.20

                                                                101.02

                                                                15.71


                                                                101.02




                                                                50.51

                                                                50.51
                                                                101.02

                                                                60.61


                                                                150.40



                                                                50.51



                                                                101.02



                                                                3.37

                                                                3.37

o free cheque books in a financial year as per the respective schemes i.e. UCCA / MGCA
) & MGSA.


                                                                120.10
                                                                280.60

                                                                600.48




                                                                                         21
           Charges (Rs.)



                                       Total



                            35.92




                            40.41
                            50.51

                            2.24
                            56.12

                            1.68

                            112.24

                            1.13

                            168.36

                            1683.60
Charges at prescribed rate for remittances i.e.
DD/TT/MT and the actual postage shall be recovered
additionally.




                            50.51




                            40.41
                            50.51
                            2.24
                            56.12
                            1.68
                            112.24
                            1.13
                            168.36
                            1683.6




                                                     22
                                               Charges (Rs.)



                                                                          Total




                                                                40.41

                                                                50.51
                                                                2.24

                                                                56.12
                                                                1.68

                                                                112.24

                                                                1.13
                                                                168.36
                                                                1683.6




                                                                90.91
                                                                60.61
                                                                30.30

                                                                15.71

                                                            390.60
                                                            300.80
 Branches will recover propotionately every monthe based on monthly minimum balance
ed. CBS branches will recover on the basis of QAB
 UCCA, MGCA and MGSA if the Average Quarterly Balance falls below the prescribed level for
essive quarters, all value added services will stand withdrawn for such customer.

                                                                90.91




                                                                509.57



                                                                                             23
                                               Charges (Rs.)



                                                                         Total



                                                               306.42


                                                               150.40
                                                               101.02



                                                               115.61
                                                               175.09
                                                               250.30




                                                               101.02
                                                               50.51




ormancy period: CD Accounts – 1 year; SB Accounts – 2 years
harges in CC/CD accounts will be applicable to dormant CC/CD accounts.
s for non-maintenance of minimum balance should also be recovered wherever applicable.



                                                               15.71




                                                               120.10




                                                                                         24
                                Charges (Rs.)



                                                             Total



                                                 10.10
                                                 101.02
                                                 200.91


                                                 560.08
                                                 1125.77
                                                 1685.84
                                                 0.15
                                                 3367.20




                                                 285.09
                                                 224.48

                                                 172.85
                                                 2810.49
                                                 112.24

                                                 16836.00
                                                 561200.00




                                                 75% of normal charges



                                                 75% of normal charges



                                        Normal Charges



Normal charges should be levied on pro-rata basis for the relevant period so
as to coincide with expiry date of original limit.


                   Processing charges from the date of actual renewal
                   (with or without enhancement) as per prescribed rates
                   should be levied.




                                                                               25
                                              Charges (Rs.)



                                                                            Total



                                  In case the facility is utilised during the intermittent
                                  period i.e. from the expiry of original limits till its
                                  renewal, processing charges at prescribed rates on pro-
                                  rata basis should be levied.

                                  In case the facility is kept under abeyance during the
                                  intermittent period, processing charges need not be
                                  levied.

                                  Normal processing charges for the period of sanction
                                  should be levied on pro-rata basis till its adjustment or
                                  conversion to regular limit.

                                  Same will be applicable for further renewal of ad hoc
                                  sanction.
                                                       Normal Charges

                                                                50% of normal charges




                                                       Normal Charges




ORMAL CHARGES, NORMAL BASIC CHARGES & NORMAL TAX MENTIONED IN SR. NO. 37(a) &
 ULD MEAN TOTAL CHARGES, BASIC CHARGES & TAX PRESCRIBED AT SR.NO.36.




                                                                172.85 + 2.30 per 100 p.a.



                                                                1.156%



                                                                172.85+3.40 per 100 p.a.



                                                                1.695%



Guarantee commission at the above rates should be applied with minimum of Rs.172.85+ the
pplicable for two quarters for the guarantee issued for the period upto six months.




                                                                                              26
                                               Charges (Rs.)



                                                                            Total



ntee for the period beyond six months would attract commission, reckoning the part period
 tee beyond 6 months in terms of completed quarters and part thereof.
                                 e.g. If a performance guarantee is issued for 16 months,
e commission is to be levied as follows:
                       For 1 year the commission should be levied @172.85+ 2.30% p.a.
 ion for remaining 4 months commission should be levied by reckoning 4 months as 2
@0.575% per quarter inclusive of service tax.




                                   50% of original rate for the unexpired period of
                                   guarantee less 3 months.




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




                                                                172.85 + 25% of normal
                                                                commission



ORMAL COMMISSION, NORMAL BASIC COMMISSION & NORMAL TAX MENTIONED IN SR. NO.40
 EAN TOTAL CHARGES, BASIC CHARGES & TAX PRESCRIBED AT SR.NO.38




                                                                                            27
            Charges (Rs.)



                                         Total




                             2.30%




                             561.20



                             1.16




                             1.1561%



                                                 Min
                             561.20




                             561.20




                             2.30%p.a.




                             561.20


                             336.72



As applicable to LC opening charges



                                                       28
                                 Charges (Rs.)



                                                               Total



                                                  561.20
                    On all LCs established by other banks calling for usance
                    drafts to be drawn on & accepted by our bank, an
                    acceptance commission @2.30% p.a. with a minimum of
                    Rs.561.20 inclusive of tax shall be charged




                                                  0.2245%



                                                  0.449%

                                                  561.20
                                                  0.2918%

                                                  1122.40




Negotiation charges & interest thereon are to be collected for the LC's
established by other banks. In such case, collection charges should not be
levied
In case of LC's established by our bank branches, only collection &&
interest as per rating should be collected for the usance period. In case of
sight documents interest for a maximum period of 15 days should be
collected subject to a minimum mentioned below.


                                                  561.20



                                                  0.2582%




                                                  Min 561.20




Banks will pay to the negotiating bank the face value of the bill together
with interest at the commercial rate of the negotiating bank+ charges.
Interest/charge, if any would be for customer's account




                                                                               29
                                               Charges (Rs.)



                                                                               Total



                                                                  25% of normal charges




                                                                  Min 561.20




ORMAL CHARGES, NORMAL BASIC CHARGES & NORMAL TAX MENTIONED IN SR. NO. 41(xiv)
 EAN TOTAL CHARGES, BASIC CHARGES & TAX PRESCRIBED AT SR.NO.41(i).




                                                  (Amount in Rs.)




s is Rs.20/-(without chequebook) and Rs.250/- (with chequebook)


                                                  (Amount in Rs.)




 nts of pensioners is Rs.20/-(without chequebook) and Rs.250/- (with chequebook)




                                                                                          30
 Sr. No.   Nature of service
   42      Safe Deposit Vault                                  SDV Rental p.a.(Rs.)


                                     Break up of Serv. Chgs & Tax             Break up of Serv. Chgs & Tax
                                     Rural/ Semi Urban Branches                  Metro/ Urban Branches

                                                Ser.Tax                                   Ser.Tax
            Type of Lockers        Basic
                                              inclusive of              Basic Service   inclusive of
                                  Service                      Total                                      Total
                                               Education                   Charges       Education
                                  Charges
                                              Cess @12.24%                              Cess @12.24%
                   A            557.00        68.18           625.18 802.00            98.16           900.16
                   B            602.00        73.68           675.68 860.00            105.26          965.26
                   C            891.00        109.06          1000.06 1337.00          163.65          1500.65
                   D            981.00        120.07          1101.07 1582.00          193.64          1775.64
                   E            1114.00       136.35          1250.35 1693.00          207.22          1900.22
                   F            1604.00       196.33          1800.33 2250.00          275.40          2525.40
                   G            1751.00       214.32          1965.32 2165.00          265.00          2430.00
                   H            2027.00       248.10          2275.10 2451.00          300.00          2751.00
                  H-1           1114.00       136.35          1250.35 1515.00          185.44          1700.44
                   L            2673.00       327.18          3000.18 3921.00          479.93          4400.93
                  L-1           2317.00       283.60          2600.60 3297.00          403.55          3700.55
                                · SDV/Strong Rooms, etc. of sizes other than A to L-1, proportionate rent of the
                                SDV of maximum size that can be fitted into should be charged.

                                · Penal interest @ 18% on rent overdue with the minimum of Rs.5 should be
                                levied.
                                · Lockers can be leased for a period upto 3 years at a time subject to advance
                                payment of rent. However, there would not be any concession in case advance
                                rent is paid by customers.

                                · The rent payable for the overdue period to the date of revision i.e. 28.02.2007
                                should be recovered at old rate and w.e.f. 01.03.2007 the rent at the revised
                                rate should be recovered. Where rent for 3 years has been recovered prior to,
                                no difference is to be recovered. Such calculations should be rounded off to
                                the nearest 6 months.


Note:
1. Service charges on services through Internet Banking, Telebanking, ATM which are in the nature of account
inquiry, statement of account (to be downloaded/printed), request type are free of charge.
2.The services involving remittance, collection through Internet Banking, Telebanking, ATM are same as
charges applicable to non- Channel Services.
UNION BANK OF INDIA
PRDD (O&M)

(II) Service charges which are not subject to Service Tax



Sr.
              Nature of service                                 Revised Charges (Rs.)
No.
1     Handling charges for cheques       i) Local
      returned unpaid (including
      cash/transfer cheques)             a) Outward (Due to           Rs.80 & Rs.60
                                         Insuffent funds &
                                         technical reasons)
                                         b) Inward clearing           Rs.60 plus interest @BPLR+3% p.a.
                                         cheques returned unpaid      should be recovered for the period
                                         due to financial reasons     the bank was out of funds. The period
                                                                      will be calculated from the day the
                                                                      cheque is presented in clearing till the
                                                                      funds are replenished by the drawee
                                                                      bank (i.e. accounting date of return
                                                                      clearing in our Clearing House A/c)



                                         ii) Outstation               50% of collection charges
                                         Minimum                      Rs.80


2     Handling charges for bills         Local                        Rs.100
      returned unpaid                    Outstation                   50%of collection charges
                                         Minimum                      Rs.35


3     Attestation of customer's          i) For obtaining loan from   Rs.35 per occasion
      signature                          other banks/ purposes
                                         ii) For other institutions   Rs.35 per occasion


4     Issuance of any other              SB                           Rs.35 per certificate
      certificate e.g. No Dues,          For business purposes        Rs.125 per certificate
      Balance Confirmation,
      Maintenance of Account, etc.
      on behalf of our clients as well
      as clients referred by other
      banks other than for govt.
      sponsored schemes
Sr.
             Nature of service                               Revised Charges (Rs.)
No.
5     Loss of Token                   Per metal token (to be      Rs.120
                                      recovered from drawer's
                                      account)


6     Issuance of Solvency Certificate Upto Rs.1 lac              Rs.250
                                      Rs. 1lac - 5lacs            Rs.1000
                                      Rs.5lacs - 10lacs           Rs.2000
                                      Rs.10lacs-25lacs            Rs.2500
                                      Rs.25lacs-50lacs            Rs.5000
                                      Rs.50lacs-1crore            Rs.10000
                                      Above Rs.1crore             Rs.15000


7     Letter of Credit
      (i) Overdue Interest            · Overdue interest should be charged if the bill is not paid on due
                                      date.
                                      ·This is applicable to demand/ usance bills negotiated under LC
                                      opened by the branches. The reason for the same is that in case of
                                      any default, the Bank, which has opened the LC would be liable to
                                      honour the commitment under the LC. The position where the LC
                                      is opened by another branch of the negotiating bank or by a
                                      branch of a bank other than the negotiating bank, does not affect
                                      the position of the negotiating bank/branch.




      (ii)Attestation of commercial   Attestation at the time of negotiation/collection - Nil
      invoice                                                      Attestation on subsequent occasion -
                                      Rs.50 per invoice
      (iii) Out-of-pocket expenses    All out of pocket expenses such as postages, telegrams, telexes,
                                      cables shall be collected from the beneficiary unless otherwise
                                      specified

								
To top