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UNION BANK OF INDIA
Latest Service Charges (Applicable to all branches)
( inclusive of Service Tax & Education Cess
12.36%)
Sr. No. Services Charges - For Non-Individuals Charges - For Individuals
1 Savings Bank A/c- No frills A/c
Minimum balance (Average Quarterly Balance for CBS
branches & Monthly Minimum Balance for non-CBS
branches):
1.1 North-Eastern states Nil Nil
1.2 Other states Rs.25 Rs.25
1.3 Charges for non maintainence thereof Nil Nil
2 Savings Bank A/c with Cheque facility
Minimum balance(Average Quarterly Balance for CBS
branches & Monthly Minimum Balance for non-CBS
branches):
2.1 - Rural Rs.250 Rs.250
2.2 - Semi Urban Rs.500 Rs.500
2.3 - Urban Rs.1000 Rs.1000
2.4 - Metro Rs.1000 Rs.1000
3 Charges for non maintainence thereof Rs.91.01 per quarter (Non-CBS branches Rs.91.01 per quarter (Non-CBS branches
will recover proportionately every month will recover proportionately every month
based on monthly balance maintained. CBS based on monthly balance maintained. CBS
branches will recover on Quarterly Average branches will recover on Quarterly Average
Balance basis) Balance basis)
4 Savings Bank A/c without Cheque facility
Minimum balance (Average Quarterly Balance for CBS
branches & Monthly Minimum Balance for non-CBS
branches):
4.1 - Rural Rs.100 Rs.100
4.2 - Semi Urban Rs.250 Rs.250
4.3 - Urban Rs.500 Rs.500
4.4 - Metro Rs.500 Rs.500
5 Charges for non maintainence thereof: Rs.60.67 per quarter (Non-CBS branches Rs.60.67 per quarter (Non-CBS branches
will recover proportionately every month will recover proportionately every month
based on monthly balance maintained CBS based on monthly balance maintained CBS
branches will recover on Quarterly Average branches will recover on Quarterly Average
Balance basis.) Balance basis.)
6 Other Savings Bank account facilities
Issue of Duplicate Statement/Pass Book
6.1 For entries of one year (40 entries to be treated as
Rs.50.56 per folio Rs.38.20 per folio
one ledger page)
6.2 For previous entries(40 entries to be treated as one
Rs.60.67 per folio Rs.46.07 per folio
ledger page)
6.3 Issue of loose cheque leaves Nil Nil
6.4 Mode of calculation of minimum balance CBS Branches:Quarterly Average balance CBS Branches:Quarterly Average balance
Non-CBS Non-CBS
Branches:Minimum balance between 10th Branches:Minimum balance between 10th
and last day of the month and last day of the month
UNION BANK OF INDIA
Latest Service Charges (Applicable to all branches)
( inclusive of Service Tax & Education Cess
12.36%)
Sr. No. Services Charges - For Non-Individuals Charges - For Individuals
7 Remittance Facilities through own bank
DD/MT/TT-Issue:
7.1 Upto Rs.250 Rs.11.24 per remittance Rs.8.99 per remittance
7.2 Rs.251 - 500 Rs.16.85 per remittance Rs.12.36 per remittance
7.3 Rs.501 - 2500 Rs.28.09 per remittance Rs.21.35 per remittance
7.4 Rs.2501 - 5000 Rs.40.45 per remittance Rs.30.34 per remittance
7.5 Rs.5001 - 10000 Rs.50.56 per remittance Rs.38.20 per remittance
7.6 Rs.10001 - 1 lac Rs.3.93 per 1000
Rs.3.93 per 1000
Minimum Rs.50.56
Minimum Rs.50.56
7.7 Above Rs.1lac Rs.3.37 per 1000
Rs.3.37 per 1000
Minimum Rs.449.44
Minimum Rs.449.44
Maximum Rs.16854.00
Maximum
Rs.16854.00
8 Remittance against tender of cash(DD/MT/TT/PO)
Normal DD/PO charges plus 50% of normal Applicable DD/PO charges plus 50% of
charges normal charges
(As per the extant guidelines (As per the extant
DD/PO should be issued for less than guidelines DD/PO should be issued for less
Rs.50,000/- against tender of cash) than Rs.50,000/- against tender of cash)
Purchase of DD/ PO for educational purpose by
8.1
students
Upto Rs.1000 N.A. Rs.15.73 per instrument
Above Rs.1000 N.A. Normal charges
9 DD /PO/TT -Cancellation:
9.1 Upto Rs.5000 Rs.16.85 per instrument Rs.12.36 per instrument
9.2 Rs.5001 - 10000 Rs.28.09 per instrument Rs.21.35 per instrument
9.3 Rs.10001 - 50000 Rs.56.18 per instrument Rs.56.18 per instrument
9.4 Rs.50001 - 100000 Rs.75.28 per instrument Rs.75.28 per instrument
9.5 Above Rs.1 lac Rs.101.12 per instrument Rs.101.12 per instrument
9.6 For students N.A. Rs.15.73 per instrument
10 DD/PO/TT-Duplicate
10.1 Upto Rs.5000 Rs.16.85 per instrument Rs.12.36 per instrument
10.2 Rs.5001 - 10000 Rs.28.09 per instrument Rs.21.35 per instrument
10.3 Rs.10001 - 50000 Rs.56.18 per instrument Rs.56.18 per instrument
10.4 Rs.50001 - 100000 Rs.101.12 per instrument Rs.101.12 per instrument
10.5 Above Rs.1 lac 50% of applicable charges on DD/PO on the 50% of applicable charges on DD/PO on the
date of request date of request
Minimum Rs.101.12 Minimum Rs.101.12
10.6 For students N.A. Rs.15.73 per instrument
11 DD/PO-Revalidation(Upto I year from date of issue)
11.1 Upto Rs.5000 Rs.16.85 per instrument Rs.12.36 per instrument
11.2 Rs.5001 - 10000 Rs.28.09 per instrument Rs.21.35 per instrument
11.3 Rs.10001 - 50000 Rs.56.18 per instrument Rs.56.18 per instrument
11.4 Rs.50001 - 100000 Rs.75.28 per instrument Rs.75.28 per instrument
11.5 Above Rs.1 lac Rs.101.12 per instrument Rs.101.12 per instrument
11.6 For students N.A. Rs.15.73 per instrument
12 PO - Issue
12.1 Upto Rs.250 Rs.11.24 per instrument Rs.8.99 per instrument
12.2 Rs.251 - 500 Rs.16.85 per instrument Rs.12.36 per instrument
12.3 Rs.501 - 2500 Rs.30.34 per instrument Rs.22.47 per instrument
12.4 Rs.2501 - 5000 Rs.35.96 per instrument Rs.26.97 per instrument
12.5 Rs.5001 - 10000 Rs.41.57 per instrument Rs.31.46 per instrument
UNION BANK OF INDIA
Latest Service Charges (Applicable to all branches)
( inclusive of Service Tax & Education Cess
12.36%)
Sr. No. Services Charges - For Non-Individuals Charges - For Individuals
12.6 Rs.10001 & above
Rs.3.37 per 1000 Rs.3.37 per 1000
Minimum Rs.50.56 Minimum Rs.50.56
Maximum Rs.12359.60 Maximum Rs.12359.60
13 EFT Charges -inward Nil Nil
14 EFT Charges -outward:
Upto Rs.250 Rs.11.24 per transfer Rs.8.99 per transfer
Rs.251 - 500 Rs.16.85 per transfer Rs.12.36 per transfer
Rs.501 - 2500 Rs.28.09 per transfer Rs.21.35 per transfer
14.1 Upto Rs.5000 Rs.40.45 per transfer Rs.30.34 per cheque
14.2 Rs.5001 - 10000 Rs.50.56 per transfer Rs.38.20 per cheque
14.3 Rs.10001 - 50000 Rs.2.25 per 1000 Rs.2.25 per 1000
Minimum Rs.56.18 Minimum Rs.56.18
14.4 Rs.50001 - 100000 Rs.1.69 per 1000 Rs.1.69 per 1000
Minimum Rs.112.36 Minimum Rs.112.36
14.5 Above Rs.100000
Rs.1.13 per 1000 Rs.1.13 per 1000
Minimum Rs.168.54 Minimum Rs.168.54
Maximum Rs.1685.40 Maximum Rs.1685.40
15 RTGS - Outward Rs.1.13 per 1000 Rs.1.13 per 1000
(Minimum
amount of remittance under RTGS is Rs.1 lac)
16 RTGS- Inward Nil Nil
17 Collection of Cheques:
Collection of local cheques Free Free
Collection of Outstation Cheques(For non-CMS clients)
17.1 Collection of cheques drawn on CBS branches of Union
Bank of India & deposited at any CBS branch AND
Cheques drawn on Bank other than Union Bank of
India and deposited at centre on which it is drawn
Upto Rs.250 Rs.11.24 per cheque Rs.8.99 per cheque
Rs.251 - 500 Rs.16.85 per cheque Rs.12.36 per cheque
Rs.501 - 2500 Rs.28.09 per cheque Rs.21.35 per cheque
Upto Rs.5000 Rs.40.45 per cheque Rs.30.34 per cheque
Rs.5001 - 10000 Rs.50.56 per cheque Rs.38.20 per cheque
Rs.10001 - 50000 Rs.2.25 per 1000 Rs.2.25 per 1000
Minimum Rs.56.18 Minimum Rs.56.18
Rs.50001 - 100000 Rs.1.69 per 1000 Rs.1.69 per 1000
Minimum Rs.112.36 Minimum Rs.112.36
Above Rs.100000
Rs.1.13 per 1000 Rs.1.13 per 1000
Minimum Rs.168.54 Minimum Rs.168.54
Maximum Rs.1685.40 Maximum Rs.1685.40
UNION BANK OF INDIA
Latest Service Charges (Applicable to all branches)
( inclusive of Service Tax & Education Cess
12.36%)
Sr. No. Services Charges - For Non-Individuals Charges - For Individuals
17.2 Cheques drawn on CBS branches of Union Bank of
India and deposited at any CBS branch in the account
under same customer ID
Upto Rs.250 Rs.11.24 per cheque Rs.8.99 per cheque
Rs.251 - 500 Rs.16.85 per cheque Rs.12.36 per cheque
Rs.501 - 2500 Rs.28.09 per cheque Rs.21.35 per cheque
Upto Rs.5000 Rs.40.45 per cheque Rs.30.34 per cheque
Rs.5001 - 10000 Rs.50.56 per cheque Rs.38.20 per cheque
Rs.10001 - 50000 Rs.1.13 per 1000 Rs.1.13 per 1000
Minimum Rs.28.09 Minimum Rs.28.09
Rs.50001 - 100000 Rs.0.84 per 1000 Rs.0.84 per 1000
Minimum Rs.56.18 Minimum Rs.56.18
Above Rs.100000
Rs.0.57 per 1000 Rs.0.57 per 1000
Minimum Rs.84.27 Minimum Rs.84.27
Maximum Rs.842.70 Maximum Rs.842.70
17.3 Cheques drawn on Bank other than Union Bank of
India and deposited at centre other than the centre
on which it is drawn AND Cheques drawn on non-CBS
branches of Union Bank of India and deposited at any
CBS branch
Upto Rs.250 Rs.11.24 per cheque Rs.8.99 per cheque
Rs.251 - 500 Rs.16.85 per cheque Rs.12.36 per cheque
Rs.501 - 2500 Rs.28.09 per cheque Rs.21.35 per cheque
Upto Rs.5000 Rs.40.45 per cheque Rs.30.34 per cheque
Rs.5001 - 10000 Rs.50.56 per cheque Rs.38.20 per cheque
Rs.10001 - 10 lacs Rs.5.62 per 1000 Rs.5.62 per 1000
Minimum Rs.56.18 Minimum Rs.56.18
Rs.10 lacs - 25lacs Rs.5.62 per 1000 Rs.5.62 per 1000
Minimum Rs.5618 Minimum Rs.5618
Above Rs.25lacs
Rs.4.49 per 1000 Rs.4.49 per 1000
Minimum Rs.14045 Minimum Rs.14045
Maximum Rs.28090 Maximum Rs.28090
18 Foreign Exchange Transactions
18.1 Remittance Outward(On all foreign currency outward
remittance not being proceeds of import bills).
Upto 500 USD 0.14% with minimum Rs.281/- 0.14% with minimum Rs.211/-
Above 500 USD Maximum Rs.14270.00 0.14% with minimum Rs.281/-
Maximum Rs.14270
18.2 Upto Rs.2.00 lacs or equivalent
Upto 500 USD Rs.211 per remittance
Rs.281 per remittance
Above 500 USD Rs.281 per remittance
18.3 Over Rs.2 lacs or equivalent 0.14% with minimum Rs.281/- 0.14% with minimum Rs.281/-
maximum Rs.1123/- maximum Rs.1123/-
19 Issuance of DDs towards gifts, donations, students
applications,subscriptions etc.
UNION BANK OF INDIA
Latest Service Charges (Applicable to all branches)
( inclusive of Service Tax & Education Cess
12.36%)
Sr. No. Services Charges - For Non-Individuals Charges - For Individuals
19.1 Upto USD 500 Rs.56.00 flat [Swift charges, if any, Rs.43.00 flat [Swift charges, if any,
collected seperately] collected seperately]
19.2 Above USD 500 Rs.112.00 flat Rs.112.00 flat
20 Remittance Inward:
UNION BANK OF INDIA
Latest Service Charges (Applicable to all branches)
( inclusive of Service Tax & Education Cess
12.36%)
Sr. No. Services Charges - For Non-Individuals Charges - For Individuals
20.1 Inward Remittance in respect of which cover has been
received in Nostro Account
Upto USD 500 Rs.84
Rs.112
Above USD 500 Rs.112
20.2 Purchase of TTs/ Purchase of MTs /DDs where cover TT buying rate plus exchange margin of TT buying rate plus exchange margin of
has not been received in Nostro Account 0.14%. Interest shall be recovered 0.14%. Interest shall be recovered
seperately from the customer at domestic seperately from the customer at domestic
commercial rate for a transit period of 15 commercial rate for a transit period of 15
20.3 Purchase of customer's personel cheques, demand days.
TT buying rate plus exchange margin of days.
TT buying rate plus exchange margin of
drafts, international money orders, bankers payorder 0.14%. Interest shall be recovered 0.14%. Interest shall be recovered
payable abroad. seperately from the customer at domestic seperately from the customer at domestic
commercial rate for a transit period of 15 commercial rate for a transit period of 15
days.Overdue interest to be collected if the days.Overdue interest to be collected if the
instrument is returned unpaid from 16th instrument is returned unpaid from 16th
day. day.
20.4 Encashment of FC(Exporters)Rupee value at the card 0.50% towards exchange margin 0.50% towards exchange margin
rate.
20.5 Encashment of FC(Others). No commission No commission
20.6 TCs - Encashing Nil Nil
20.7 TCs - Foreign Currency (Sale):
20.8
Commission on Rupee equivalent payable by customers 1.12%Minimum Rs.281/- 1.12%Minimum Rs.281/-
20.9 Commission on foreign currency TCs issued against
foreign currency remittance received in Nostro 0.28% Minimum Rs.281/- 0.28% Minimum Rs.281/-
Account, at the request of benificiary
21 Cheque Collection
21.1 Local Ref:Colln of cheques-above Ref:Colln of cheques-above
21.2 Outstation through own bank Ref:Colln of cheques-above Ref:Colln of cheques-above
21.3 Outstation through another bank
22 Due to insufficient funds - Rs.80 Due to insufficient funds - Rs.80
Bouncing of cheques - Local/Outward
Due to technical reasons - Due to technical reasons -
Rs.80 Rs.80
22.1 Rs.100 plus interest @BPLR+3%p.a.to be Rs.75 plus interest @BPLR+3%p.a.to be
Bouncing of cheques - Local / Inward (Inward clearing
recovered for the period the bank was out recovered for the period the bank was out
cheques returned unpaid due to financial reasons).
of funds . of funds .
22.2 50% of collection charges 50% of collection charges
Bouncing of cheques - Outstation.
23 Retail Loan Minimum Rs.80 Minimum Rs.60
Loan Processing Charges:
24 0.50% of loan amount subject to a 0.50% of loan amount subject to a
maximum of Rs.15000 maximum of Rs.15000
Union Home
(plus service tax @12.36%) (plus service tax @12.36%)
25 Union Trade:
25.1 Upto Rs 25000 Nil Nil
25.2 Rs 25001 - 2 lacs Rs.285.39 per proposal Rs.285.39 per proposal
25.3 Above Rs.2 lacs-10 lacs Rs.224.72 per Rs.1 lac Rs.224.72 per Rs.1 lac
25.4 Rs.10 lacs - 1 crore Rs.173.03 per Rs.1 lac Rs.173.03 per Rs.1 lac
Minimum Rs.2813.49 Minimum Rs.2813.50
UNION BANK OF INDIA
Latest Service Charges (Applicable to all branches)
( inclusive of Service Tax & Education Cess
12.36%)
Sr. No. Services Charges - For Non-Individuals Charges - For Individuals
25.5 Above Rs. 1 crore Rs.112.36 per Rs.1 lac Rs.112.36 per Rs.1 lac
Minimum Rs.16854 Minimum Rs.16854
Maximum Rs.561800 Maximum Rs.561800
26 Union Miles:
26.1 For two wheelers Rs.250 (plus service tax @12.36%) Rs.250 (plus service tax @12.36%)
26.2 Four wheelers<2lacs Rs.500 (plus service tax @12.36%) Rs.500 (plus service tax @12.36%)
26.3 Four wheelers>2lacs Rs.1000 (plus service tax @12.36%) Rs.1000 (plus service tax @12.36%)
27 Union Mortgage 0.50% of loan amount 0.50% of loan amount
(plus service tax @12.36%) (plus service tax @12.36%)
28 Union Health 0.50% of loan amount 0.50% of loan amount
(plus service tax @12.36%) (plus service tax @12.36%)
29 Union Comfort:
29.1 Loan upto Rs.10000/- Rs.100 plus service tax @12.36% Rs.100 plus service tax @12.36%
29.2 Loan upto Rs.50000/- Rs.250 plus service tax @12.36% Rs.250 plus service tax @12.36%
29.3 Loan above Rs.50000/- Rs.500 plus service tax @12.36% Rs.500 plus service tax @12.36%
30 Union Top Up 0.50% of Top up amount 0.50% of Top up amount
(plus (plus
service tax @12.36%) service tax @12.36%)
31 Prepayment Charges for retail advances No prepayment charges if the loan is No prepayment charges if the loan is
adjusted by the borrower from his own adjusted by the borrower from his own
verifiable legitimate sources. verifiable legitimate sources.
31.1 Take over penalty for all retail loans /advances: If 2% on the average balance of the 2% on the average balance of the
the loan is taken over by any other bank /Financial preceeding 12 months. preceeding 12 months.
Institution or adjusted by the borrower in lumpsum
from any third source / party( except genuine sale).
32 No due Certificate:
32.1 SB Rs.35 Rs.26
32.2 Business purpose Rs.125 Rs.125
32.3 Borrowers under Govt. sponsored schemes and farmers
Nil Nil
33 Solvency Certificate:
33.1 Upto Rs.1 lac Rs.250 Rs.250
33.2 Rs.1lac - 5lacs Rs.1000 Rs.1000
33.3 Rs.5lac - 10lacs Rs.2000 Rs.2000
33.4 Rs.10lacs - 25lacs Rs.2500 Rs.2500
33.5 Rs.25lacs - 50lacs Rs.5000 Rs.5000
33.6 Rs.50lacs - 1crore Rs.10000 Rs.10000
33.7 Above Rs.1 crore Rs.15000 Rs.15000
34 Charges for late payment of EMI 2% additional interest on the overdue 2% additional interest on the overdue
instalment amount instalment amount
35 Charges for changing from fixed to floating rates of
interest.( Housing loan borrowers having loan 1% of the outstanding loan amount in the 1% of the outstanding loan amount in the
outstandings of Rs.2.00 lacs and above are only existing housing loan provided: 1) The existing housing loan provided: 1) The
eligible). borrower is regular in payment of loan borrower is regular in payment of loan
instalments and instalments and
2) EM formalities are completed. 2) EM formalities are completed.
36 Charges for changing from floating to fixed rates of One time payment of 2.50% of outstanding One time payment of 2.50% of outstanding
interest loan amount irrespective of the quantum of loan amount irrespective of the quantum of
outstanding outstanding
37 Cards
UNION BANK OF INDIA
Latest Service Charges (Applicable to all branches)
( inclusive of Service Tax & Education Cess
12.36%)
Sr. No. Services Charges - For Non-Individuals Charges - For Individuals
37.1 Debit Card/ ATM Card
37.2 Membership fee Nil Nil
37.3 Annual fee Rs.100 plus service tax @12.36% Rs.100 plus service tax @12.36%
37.4 Renewal Charges Not applicable Not applicable
37.5 Late Payment Charges Not applicable Not applicable
37.6 Replacement charges Rs.100 plus service tax @12.36% Rs.100 plus service tax @12.36%
37.7 Cash withdrawal at Union Bank ATMs
37.8
Cash withdrawal from Cash Tree member bank's ATM Rs.10 + service tax @12. 36% Rs.10 + service tax @12. 36%
37.9
Cash withdrawal from other bank ATMs(Visa) Domestic Rs.50 + service tax @12.36% Rs.50 + service tax @12.36%
37.10 Cash withdrawal from other bank ATMs(Visa) Rs.125 plus service tax @12.36% + 2% Rs.125 plus service tax @12.36% + 2%
International currency conversion charges currency conversion charges
37.11 Cash withdrawal from SBI ATM Rs.25 plus service tax @12.36% Rs.25 plus service tax @12.36%
38 MISCELLANEOUS
39 Balance enquiry :
39.1 At Customer's branch Free Free
39.2 At other Bank Visa ATM (Domestic) Rs.25 plus service tax @12.36% Rs.25 plus service tax @12.36%
39.3 At other Bank Visa ATM (International)) Rs.30 plus service tax @12.36% Rs.30 plus service tax @12.36%
39.4 At SBI ATM Rs.10 plus service tax @12.36% Rs.10 plus service tax @12.36%
40 Balance Certificate:
40.1 SB Rs.35 Rs.26
40.2 For business purposes Rs.125 Rs.125
41 Interest Certificate:
41.1 SB Rs.35 Rs.26
41.2 For business purposes Rs.125 Rs.125
42 Account closure within 12 months
42.1 CD - Companies Rs.510.11 N.A.
42.2 - Others Rs.306.74 Rs.230.34
43 SB - Without cheque book Rs.101.12 Rs.76.40
44 SB - With cheque book Rs.150.56 Rs.113.48
45 Use of Fax / Telephone / Modem Not provided for Not provided for
45.1 Photo attestation Not applicable Not applicable
46 Signature attestation:
46.1 - For obtaining loan from other banks Rs.35 per occasion Rs.26 per occasion
46.2 - For other purposes Rs.35 per occasion Rs.26 per occasion
47 Stop Payment Charges
47.1 - Single cheque Rs.120.23 per instruction Rs.89.89 per instruction
47.2 - Range of cheques Rs.280.90 per instruction Rs.211.24 per instruction
48 Inoperative account
48.1 Account with minimum balance or above Nil Nil
48.2 Account below minimum balance but above Rs.100
48.3 - Metro /Urban Rs.101.12 p.a. or outstanding balance Rs.101.12 p.a. or outstanding balance
whichever is less whichever is less
48.4 - Semi-Urban / Rural Rs.50.56 p.a or outstanding balance Rs.50.56 p.a or outstanding balance
whichever is less whichever is less
48.5 Account balance Rs.100 or less Full balance amount to be appropriated Full balance amount to be appropriated
and account to be closed. and account to be closed.
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