Customer Service Charges
| Particular | Charges in Rs. |
|---|---|
| NEFT - 0 to 10,000 | Rs. 2.00 |
| NEFT - 10,001 to 1,00,000 | Rs. 4.00 |
| NEFT - 1,00,001 to 2,00,000 | Rs. 12.00 |
| RTGS - 2,00,001 to 5,00,000 | Rs. 20.00 |
| RTGS - 5,00,001 & above | Rs. 40.00 |
Public Disclosures
Service Charges
All the charges + GST will be applied (Charges + GST).
Loan Application Form
| Particular | Charges in Rs. |
|---|---|
| Per form | Rs. 100.00 |
| Duplicate statement/passbook - Saving, R/D, Pigmy, Loan passbook | Rs. 50.00 |
| Statement per page | Rs. 10.00 |
| Current A/c statement per page | Rs. 10.00 |
Loan Processing Charges
Term Loan
| Particular | Charges in Rs. |
|---|---|
| Up to Rs. 15,000 | Nil |
| Rs. 15,001 to Rs. 50,000 | Rs. 200.00 |
| Rs. 50,001 to Rs. 1,00,000 | Rs. 300.00 |
| Rs. 1,00,001 to Rs. 5,00,000 | Rs. 300 + Rs. 4 per thousand above 1 Lakh |
| Rs. 5,00,001 to Rs. 10,00,000 | Rs. 1,900 + Rs. 3 per thousand above 5 Lakh |
| Rs. 10,00,001 and above | Rs. 3,400 + Rs. 2 per thousand above 10 Lakh |
Vehicle Loan
| Particular | Charges in Rs. |
|---|---|
| Up to Rs. 5,00,000 | 1% of the loan amount |
| Rs. 10,00,001 and above | Rs. 5,000 + 0.50% above Rs. 5 Lakh |
Housing
| Particular | Charges in Rs. |
|---|---|
| Up to Rs. 5,00,000 | 0.50% of the loan amount |
| Rs. 5,00,001 to Rs. 10,00,000 | 1.00% of the loan amount |
| Rs. 10,00,001 and above | Rs. 10,000 + 0.50% above Rs. 10 Lakh |
Cash Credit
| Particular | Charges in Rs. |
|---|---|
| Up to Rs. 50,000 | Rs. 200.00 |
| Rs. 50,001 to Rs. 2,00,000 | Rs. 500.00 |
| Rs. 2,00,001 to Rs. 5,00,000 | Rs. 500 + 0.40% above Rs. 2 Lakh |
| Rs. 5,00,001 to Rs. 10,00,000 | Rs. 1,700 + 0.30% above Rs. 5 Lakh |
| Rs. 10,00,000 and above | Rs. 3,200 + 0.25% above Rs. 10 Lakh |
Recovery / Notice Charges
CIBIL Charges
| Particular | Charges in Rs. |
|---|---|
| Individual | Rs. 500.00 |
| Commercial | Rs. 500.00 |
Notices to Defaulters
| Particular | Charges in Rs. |
|---|---|
| Notice (UPC) per notice | Rs. 50.00 |
| R.A.D. per notice | Rs. 100.00 |
| Notice before suit file (with guarantors) | Rs. 600.00 |
| Advocate notice | Rs. 200.00 + Adv. charges |
Visit Charges / Recovery Charges
| Particular | Charges in Rs. |
|---|---|
| Defaulter's business / resident / secured property per visit | Rs. 100.00 |
Other Charges
HP Loan Termination / HPTR
| Particular | Charges in Rs. |
|---|---|
| Two wheelers | Rs. 50.00 |
| Four wheelers | Rs. 100.00 |
| Commercial vehicle | Rs. 300.00 |
Seizing Charges
| Particular | Charges in Rs. |
|---|---|
| Two / Three wheeler | Rs. 300.00 |
| Light motor vehicle | Rs. 500.00 |
| Heavy motor vehicle | Rs. 1,000.00 |
| Excavators / cranes | Rs. 2,000.00 |
Assignment / Reassignment / Encashment
| Particular | Charges in Rs. |
|---|---|
| LIC policies per policy | Rs. 50.00 + postage |
Bank Guarantee
| Particular | Charges in Rs. |
|---|---|
| Fully secured by the bank | Rs. 200 + 2% of guarantee amount per year |
| Charges for invoked guarantees | Rs. 300 per bank guarantee + interest @ 24% on guarantee amount till the date of repay |
Certificates & D.D.
| Particular | Charges in Rs. |
|---|---|
| Solvency Certificate | Rs. 500 per lakh (max Rs. 2,000) |
| Additional copy of certificate | Rs. 100.00 |
| Pay Orders / D.D. - up to Rs. 20,000 | Rs. 20.00 |
| Pay Orders / D.D. - above Rs. 20,001 | Rs. 20 + Rs. 1 per thousand, max commission Rs. 2,000 |
| Cancellation of P.O./D.D. | Rs. 100.00 |
| Reissue of P.O./D.D. | 0.50% of commission |
Auction of Pledged Ornaments
| Particular | Charges in Rs. |
|---|---|
| Loan up to Rs. 5,000 | Rs. 200 + notice charge |
| Rs. 5,001 to Rs. 50,000 | Rs. 300 + notice charge |
| Rs. 50,001 to Rs. 1,00,000 | Rs. 500 + notice charge |
| Rs. 1,00,001 and above | Rs. 750 + notice charge |
Membership / Card / Account Charges
| Particular | Charges in Rs. |
|---|---|
| Entry fee for member per instance | Rs. 100.00 |
| Issue of duplicate ID card | Rs. 100.00 |
| Transfer of share certificate | Rs. 100.00 |
| Nominal member fee | Rs. 100.00 |
| Cheque stop payment | Rs. 100.00 |
| Confirmation specimen sign | Rs. 50.00 |
| ATM duplicate card per card | Rs. 100.00 |
| ATM duplicate PIN per PIN | Rs. 100.00 |
Gold Loan
| Particular | Charges in Rs. |
|---|---|
| Valuation charges per lakh | Rs. 150.00 |
| Insurance charges per gram | Rs. 5.00 |
Account & Service Charges
| Particular | Charges in Rs. |
|---|---|
| Minimum balance charges - savings account | Rs. 0.00 |
| Minimum balance charges - current account | Rs. 0.00 |
| CERSAI charges | As per CERSAI charges |
| Bank charges to ROC | As per actual |
| Cancellation charge to ROC | As per actual |
| Cheque book charges - saving/current/CC per cheque | Rs. 4.00 |
Closure / Return / SMS / ATM / Maintenance / Pigmy
| Particular | Charges in Rs. |
|---|---|
| Closed within 6 months | Rs. 200.00 |
| Closed within 1 year | Rs. 150.00 |
| Closed within 2 years | Rs. 100.00 |
| Closed after 2 years | Nil |
| Unused cheques when closure of account per cheque | Rs. 5.00 |
| Inward / outward return - saving | Rs. 250.00 |
| Inward / outward return - current / CC | Rs. 100.00 |
| SMS alert charges per year | Rs. 200.00 |
| ATM card maintenance charges per year | Rs. 100.00 |
| Account maintenance charges per year | Rs. 200.00 |
| Pigmy deposit premature closure / partly transfer | 3% of closure / transfer amount |