• Raise Complaint
  • ATM Toll Free No. 1800 532 7444 / 1800 123 6230 / 1800 833 1004
  • To Block ATM card - 81065 73542
  • Customer Care Number - 99977 79901

Service Charges

Service Charges

Commision

Service Charges – General Banking

S.No Details of Service provided by the Bank Service Charges Applicable
1 Loss of Gold Loan Slip Rs.100/- + GST
2 CHEQUE COLLECTION CHARGES
A Outstation Cheques deposited Returned unpaid Outstation: Rs.260/- + GST
B OUTSTATION CHEQUE COLLECTION CHARGES
  • Upto Rs.10,000/-
  • Rs.10000/- to Rs.99999/-
  • Rs.100000/- and above
  • Upto 5000/- : Rs.30/- + GST
  • >5000/- upto 10,000 : Rs.60/- +GST
  • >10000 upto 1 lac : Rs.100/- + GST
  • >1 lac upto 5 lacs : Rs.200/- + GST
  • > 5 lacs : Rs.250/- + GST
(Incl of post & out of pocket exp) all segments

Postal charges on outstation Cheques

 Nil (Not to be charged as per RBI instructions)

Cheques relating to Subsidy/ MMoney

 Nil
C LOCAL CHEQUES
I Local Cheques : Collection charges Nil
II Local Cheques returned unpaid Rs.160/- per instrument + GST
for technical reasons–Charges (Not to be charged where customer is not at fault as per RBI guidelines)
III Local Cheques returned unpaid for insufficient balance - Charges Rs.500/- +GST (irrespective of amount)
3 BC/DD Issue charges
  • Upto 5000/- : Rs.25/- + GST
  • 5001/- to 10000/- : Rs.50/- + GST
  • > 10001/- to 1 lac : Rs.5/- + GST per Rs.1000/- (Min Rs.60/- + GST )
  • > 1 lac : Rs.4/- + GST per Rs.1000/-

    (Min.600/- + GST / Max 2000/- + GST)

    (No additional cash handling charges)
4 If Cheques are issued through a/c of Govt dept. NIL
5 Cancellation / Revalidation of BC/ DD Rs.200/- + GST (per instance)
6 Issue of duplicate BC/DD/TDR/STDR Rs.200/- + GST (per instance)
7 Issue of duplicate pass book with present balance Rs.120/- + GST
8 Issue of statement of a/c
  • First page : Free
  • Next :: Rs.100/- + GST per page
9 Balance certificate for all segments – per instance Rs.160/- + GST
10 A/c closure within 12 months (Transfer of a/c is exempted)
  • Savings :Rs.160/- + GST Individuals (Excluding Basic & Small accounts under Financial Inclusion)
  • Current :Rs.600/- + GST both individuals and non-individuals (excluding Govt.Accounts)
11 Stop payment cheque
  • SB a/cs Rs.60/- + GST per instrument
  • CA/CC a/cs Rs.110/-+ GST per instrument
12 Penalty for late payment of RD Installments Rs.1/- per 100/- per month.
13 Inoperative accounts (SB/CA)
  • Nil if minimum balance maintained
  • Otherwise Rs 100/- + GST per annum
  • If the Amount is less than Rs 100/- + GST account should be closed.
14 SB and CA cheque book issue charges

CTS/MICR/Non MICR - SB & CA: Rs.3.50 + GST per leaf

(For SB- First 20 leaves free)
15 Postal Charges
  • Ordinary : Actuals (Min Rs.25/-)
  • Regd/Speed/Courier: Actuals (Min Rs.60/-)
16 Charges for non-maintenance of minimum balance Non maintenance of Quartely Average Minimun Balance (QAB) (Except BSBD A/cs)
A SB -Rural (Quartely average. Balance – Rs.500/-) Rural : NIL
B SB – Semi Urban (Quartely Average Balance -Rs.1000/-) Semi-Urban : NIL
C SB–Urban (Quartely Average balance - Rs.1500) Urban : NIL
D CA – Rural (Monthly Average Balance – Rs.1000)(Other than premium CA) Rs.220/- + GST per quarter
E CA-Semi-Urban/Urban/Metro:(Monthly Average Balance - Rs.2000) )(Other than premium CA) Rs.220/- + GST per quarter
17 Annual service Charges –SB & CA a/c (excluding Inop a/cs)
  • Rs.85/- + GST (including inoperative accounts)
  • NIL (for Staff,PMJDY & BSBD Accounts)
  • If the Balance is less than above charges,available amount may be levied
18 Standing Instructions Rs.60/- + GST per instruction
19 Addition / Deletion of names in deposit a/cs Rs.100/- + GST per occasion
20 Record copy of cheque / enquiry relating to old records(>12months old) Rs.160/- + GST per instrument
21 Interest Certificate Rs.150/-+GST per certificate
22 TDR/STDR pertaining to our customers received from other Banks for payment
  • Collection of other Bank’sdeposits for own constituents
  • If above funds are invested in term deposits with us for one year & above period

Proceeds should be paid through NEFT/RTGS/DD/BC - Charges as applicable to NEFT/RTGS/DD/BC Applicable to cheques

-NIL- (Except out of pocket expenses)
23 NEFT (National Electronic Funds Transfer) - Customer Transactions at Branches. [Through Internet Banking (INB) and Mobile Banking(MB)]

Outward Remittances:

  • Upto 10000 : Rs.2/- + GST
  • > 10000 upto 1 lac : Rs.5/- + GST
  • > 1 lac upto 2 lacs : Rs.15/- + GST
  • Above 2 lacs : Rs.25/- + GST
24 RTGS (Real Time Gross Settlement) - [Through Internet Banking (INB) and Mobile Banking (MB)

Amnt Slab - Charges

  • 2 lacs – 5 lacs : Rs.20/- + GST
  • Above 5 lacs : Rs.40/- + GST
25 Debit Card replacement charges Rs.300/- + GST
26 Rupay Debit / Kisan card maintenance charges from second year onwards
Card Variant Charges
Classic Debit Card Rs. 150/- +GST
Kisan Card Rs. 52/- +GST
Platinum Debit Card Rs. 200/- +GST
PMJDY Debit Card Nil
27 Duplicate PIN / Regeneration of PIN through Branch Rs.60/- + GST
28 ATM CHARGES
Own/SBI/OtherATM Charges (exceeding 5 permissible limit-Financial&Non-Financial)
  • Savings Bank a/c
    • Financial:

      a)Per Transaction : Rs.22/- +GST

      b)Transaction declined -insufficient balance per transaction : Rs.22/- +GST

    • Non-financial Transactions : Rs.6/- +GST
  • CA/KCC from 1st Transaction itself : Rs.22/- +GST
ATM Card/Kit returned by courier due to wrong address Rs.100/- +GST
29 National Automated Clearing House (NACH) Mandate including E-mandae)
  • One time Mandate Authorization per Mandate Rs.50/- +GST
  • Failed Mandate:Rs.250/- +GST
30 DISCOUNT/PURCHASE OF CHEQUES

Interest@0.50perRs.100/- +collection charges+ GST and postage charges.

In case cheques return unpaid, interest @15.50% p.a. and after adjusting the amount collected @Rs.0.50per Rs.100/- +GST
31 ISSUE OF SOLVENCY CERTIFICATES
  • Upto Rs.1 lakh: Rs.750/- +GST
  • >Rs.1 lac& upto Rs.25la:Rs.3000/- +GST
  • >Rs.25 lac&upto Rs.50 lac: Rs.6000/- +GST
  • >Rs.50 lac: Rs.11020/- +GST
32 ISSUE OF BANK GUARANTEES
Commission for BGs issued where margin is less than 100% (*BG minimum period is one month)
  • Upto Rs.5Crores : 2.75%p.a +GST
  • >Rs.5Cr & upto Rs.10Cr : 2.25%p.a. + GST
  • >Rs.10Cr : 1.75%p.a. +GST

Min. Rs.280/- and com. To be collected quarter or part there of.
For BGs issued with 100% margin Rs.280/- + 25% of applicable charges + GST
33 Charges for late payment of EMIs For all advances (excepting HLs/Education Loans upto Rs.25000/-) penal interest at 2% is to be charged on entire loan o/s for the period of default + GST
34 Equitable Mortgage Charges
  • Upto 1 lakh : -NIL –
  • Above 1 lakh : Rs.200/- per lakh,with a max. of Rs11200/- +GST
35 Gold Loans
  • Demand Loans
    • Proc. Charges : Rs.4.00 per Rs.1000/- Min.Rs.100/-,Max.Rs1000/- +GST
    • Appraiser Charges : Rs.3.50 per Rs.1000/- Min.Rs.100/-, Max.Rs.400/- +GST
  • OverDraft
    • Proc.charges : Rs.6.00 per Rs1000/- Min.Rs100/-, MaxRs1000/- +GST
    • Appraiser charges : Rs.3.00 per Rs.1000/- Min.Rs.50/-, Max.Rs500/- +GST

Inspection & Processing Charges on Loans & Advances

Processing Charges on Loans & Advances
Loans Segment Processing Charges
KCC (Crop loans)
  • Up to Rs 25000/- : Nil
  • Above Rs 25000/- & upto Rs 2 lakhs : Rs 500/- + GST
  • Above Rs 2 lakhs : 0.30% of loan amount + GST
Loans to Self Help Groups
  • Up to Rs 2,00,000/- :
  • Above Rs 2,00,000/- :
  • Up to Rs.50,000/- : Nil
  • Above Rs.50,000/- : 0.5 % of limit sanctioned + GST
Housing Loans & Car Loans 0.50% with minimum of Rs.3000/- and a cap of Rs 10000/- + GST
PLAEM 1.00% with minimum of Rs.3000/- and a cap of Rs 10000/- +GST
Education Loans
  • Rs 5000/- to be collected at the time of delivering sanction letter to the student/guardian + GST
  • Rs 1000/- to be appropriated towards processing charges + GST
  • Rs 4000/- to be adjusted towards margin at the time of release of loan + GST
  • If the loan is not availed for any reason Rs 4000/- to be refunded + GST
Gold loans Rs 4.00 per 1000/-, Min Rs 100/- & Max Rs 1000/- + GST
All other Loans
  • Up to Rs 25000/- : Nil
  • Above Rs 25000/- : 1.10 % of limit sanctioned + GST

Notes:

  • No processing charges are applicable to DLs/Cash key against TDRs and loans sanctioned to weaker sections under Govt sponsored schemes.
  • No processing charges to be recovered on loans against own deposits, NSCs, KVPs, IVPs etc.
  • The processing charges are to be recovered at the time of initial processing as well as at each renewal. Where account could not be renewed in time, processing charges to be recovered for continuing the limit.
INSPECTION CHARGES
Loan Limit For PER segment & SHG For all Loans & Advances (other than PER segment & SHG
Up to 25000 NIL NIL
Above 25000 up to 2 lacs Rs.250/- p.a. + GST Rs.500/- p.a. + GST
Above 2 lac up to 10 lacs Rs.600/- p.a. + GST Rs.500/- per lac + GST
Above 10 lacs Min.Rs.150/- per visit + GST Rs.500/- per lac + GST

Charges for SMS alert: Rs.20/- + GST per quarter.

Locker Rent Small Rural Rs.920 + GST
Semi Urban Rs.920 + GST
Urban Rs.1320 + GST
Medium Rural Rs.2000 + GST
Semi Urban Rs.2000 + GST
Urban Rs.3000+ GST
Medium Rural Rs.5000 + GST
Semi Urban Rs.5000 + GST
Urban Rs.6000 + GST
Locker operations Up to 12 visits / Year Free
13th Visit onwards Rs.150/- per visit +GST
Locker rent overdue charges
1st Qtr 10% of Annual Rent + GST
2nd Qtr 25% of Annual Rent +GST
If rent is not paid for more than two quarters, Locker is to be break open.
One time registration for lockers Rs.550/- + GST
Locker Break Open Charges Rs.1500/-+GST (In addition to actual expenditure incurred for break open the locker and changing the lock by manufacturers of lockers will also be charged)