Item

RATES

1. Loan Processing

b. Housing Loans

Upto Rs. 25000/-

Above Rs. 25000/-

NIL

0.55%

c. Loan for purchase of Two wheelers

1.10%

d. Loan for purchase of Consumer Durables

1.10%

e. Mortgage Loan

1.10%

f. Personal loan

1.10%

2. Upfront fee / Evaluation fee

Upto Rs. 25000/- - NIL

Over Rs. 2 lacs & upto Rs. 10 lacs

Over Rs. 10 lacs

Rs. 150/- per visit,

Performance guarantees as well as other than performance

2.25% Minimum 300/-

a. Collection of outstation cheques

upto Rs.5000/- - Rs.25/-

Rs.5001/- to 20000/- - 4.50 per thousand Min. 45/-

above Rs. 20000/- - Rs.5/- per thousand Min. 100/-

Maxi. 12500/- + Postage

b. Collection of bills

Upto Rs. 1000/- Rs. 65/-

Over Rs. 1000/- upto Rs. 10000/- Rs. 100/-

Over Rs. 10000/- Rs.10/-per thousand

Maxi.Rs. 12500 + Postage

Upto Rs. 10000/- - Rs.30/-
above Rs.10000/- - Rs. 2.80 per 1000/-
Mini. Rs. 50/- Maxi. 12500/-

ii) Issue of duplicate demand drafts / SBBJ Bank's cheque

50% of excange charge
Minimum Rs.110/-

iii) Revalidation / cancellation Drafts / Bankers Cheque

50% of excange charge
Minimum Rs.110/-

50% of excange charge
Minimum Rs.110/-

v) Duplicate BCs / TDRs

Rs.100/- per BC/TDR

7. Banker's cheque / pay orders

Upto Rs. 10000/- - Rs.30/-
above Rs.10000/- - Rs. 2.80 per 1000/-
Mini. Rs. 50/-   Maxi. 12500/-

a. Local cheque / bills

b. Outstation cheque / bills

Rs.75/- + other charges

Rs.150/- + other charges

9. Postal charges

Ordinary Post -- Actual/ Min. Rs.10/-

Registered Post : for instruments valued : 
Upto Rs. 50000/- Actual/Min. Rs.35/-
Above Rs. 50000/- Actual/Min. Rs.55/-

10. Payment of our deposit receipts to another bank

Local : Charges as applicable to issue of Banker's Cheque
Outstation : Charges as applicable to remittances
No discretion + Pocket charge

11. Ledger folio charges

SB a/c - No charges

Current a/c (individuals) - No charges

Over drafts / Current a/c / Cash credit a/c where limits are granted for and upto Rs. 25000/- -NIL -

all other Current a/cs i.e. Over drafts / Current a/c / Cash Credit a/c , Where limits are granted for Rs.25001/- to Rs50000/-     Rs.400/- p.a.

Above Rs. 50000/-             Rs.600/- p.a.

12. Standing instructions

Internal Rs.110/-
Outer - Rs. 25/- + DD charges + Postage

13. a. Setting up Standing Instructions (SI)

b. Processing of SI (other than Bank transfers)

Rs. 25/- + remittance charges + Postage

15. Issue of Duplicate pass book / statement

Rs. 100/- per passbook
( with latest balance)

Rs. 100/- ( for old entries per ledger sheet)

16. Issue of cheque books

a. Non MICR SB A/c

b. Non MICR Current a/c

For Non MICR + MICR

SB. Rs.3/- per leaf (20 free)

C.A. Rs.3/- per leaf

17. Charges for presentation of usance bills for acceptance

Rs. 110/- per bill

18. Enquiry relating to old records

Rs.150.00 each item.

19. No dues certificate

Rs.150/- per Certificate
(Priority Sector Free)

20. Issue of solvency certificate

i. For non-commercial purposes : Rs.275/- flat per certificate

ii. For commercial purpose :
Upto Rs. 1 lac -                               Rs. 830/-
Over Rs. 1 lac upto Rs. 25 lacs -      Rs. 3300/-
Over Rs. 25 lacs & upto Rs. 50 lacs -Rs.6600/-
Above Rs. 50 lacs -                         Rs. 11,020/-

Interest @ 50 paise % + collection charges as applicable + out of pocket expenses. In case of cheques returned unpaid interest at 16% p.a. after adjusting the amount collected @ 50 paise %

b. Bills (Demand)

Interest @ 50 paise % + collection charges as applicable + out of pocket expenses. Bills paid beyond transit period of 13 days interest @ 16% p.a. for delayed period beyond stipulated transit period. Bills returned unpaid interest @ 16% p.a. from the date of purchase. after adjusting the amount collected @ 50 paise %

22. Cheque returned - Drawn on us

Rs. 75/- per inst. + Other out of pocket charges

Rs. 150/- per inst. + other out of pocket charges

23. Minimum balance service charges

SAVING BANK A/C:
(With or Withour Cheque book)

Others             Rs. 300/- per Qtr.

Rural               Rs. 150/- per Qtr.

Current A/c

Personal A/c Rural -Rs. 750/- P.Qtr.

Others                 -Rs. 750/- P.Qtr.

Other A/c

Rural                      -Rs. 1350/- Qtr.

Others                   -Rs. 1350/- Qtr.

24. Safe Deposit Lockers

Locker Size volume
(in cubic inches)

a. small upto 1000
(Locker type A,B)

b. Medium 1001 to 2000
(Locker type C,D,E,H1)

c. Large 2001 to 4000
(Locker type F,G,H)

d. Extra large above 4000
(Locker type L , L1)

(Per annuam) Rs.

Small

25. Safe deposit article

Rs. 25/- one time plus

Envelope Rs. 20/- per annum or part thereof.

Package Rs. 25/- per annum or part thereof.

Large packet/Box Rs.140/- per annum or part thereof.

a. Scrips (for each scrip)

b. Sealed cover (for each)

c. Bank's own deposit receipt

NIL

27. Loss of Locker Key (Locker broken charge)

Rs. 600/- + Actual expenses incurred

28. Locker Rent Late Fee

Small - Rs. 15/-
Medium - Rs. 20/-
Large - Rs. 40/-
Extra Large - Rs. 75/-

29. Inoperative accounts

Rs. 75/- per year
(if Balance is less than Rs. 75/-, then Close Account, and inform customer)

30. Demand loan against security

---

31. Bank Name Plate

Rs. 20/- per Plate

32. Suit file in RACO/RODA Recovery charges

1. After suit file in Authorized office recovery from borrower - 2% of loan recovery amount.

2. After issue of decree by authorized office recovery from borrower - 5% of loan recovered amount (a) applicable

33. Recovery charges (Jeep charges etc.)

Rs. 50/- per account if jeep provided for recovery

34. Photo verification

Rs. 100/-

35. Signature verification

Rs. 100/-

36. Return cheque copy

Rs. 50/-

37. Interest certificate

First - Free , Additional copy Rs. 50/- per certificate

38. Penal Interest

A. Irregular Cash Credit A/cs

i. Upto Rs.25000/-       NIL
ii. Above Rs. 25000/- - 2% for irregular period-
iii. Non submission of stock statement ---
iv. Non submission of renewal data ---
v. Non compliance with covenants --