Sr. No. |
Particulars |
Amt. of Charges |
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1 | SAVING DEPOSIT (OPERATIVE / INOPERATIVE) |
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a) |
1) |
ACCOUNT OPENING & MAINTENANCE OF MINIMUM BALANCE |
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i) |
With Cheque Book |
Rs. 1000/- |
In case of salary holders account to be open with Rs.100/- only.
For first 3 months minimum balance condition is waived for recovering minimum balance charges to the account. |
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ii) a) b) |
Satara / Pune Region: With Cheque Book Without Cheque Book |
Rs. 500/- Rs. 300/- |
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b) |
1) |
PENALTY |
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i) |
Charges for failure to maintain minimum balance. |
15% on the amount of different between the average balance maintained during the month & the minimum balance as prescribed charges to be rounded to nearest rupees minimum Rs.5/- + applicable GST. | ||||||||||||||||||||||||||||||
ii) |
Charges for Withdrawal more than prescribed limit (including ATM Transactions ) Note : The entries of S.I. Internal transactions to be excluded. |
Rs. 10 per withdrawal above 100 withdrwals (Half yearly charges)+ applicable GST | ||||||||||||||||||||||||||||||
c) |
CLOSURE OF ACCOUNTS |
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i) |
If closed within one year from date of opening A/c |
Rs. 150/- + applicable GST |
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ii) |
If closed after one year from date of opening A/c |
Rs. 100/- + applicable GST |
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iii) |
Charges for unused cheques surrendered / lost / Stolen / misplaced to collected at the time of closing of account. (Note Charges to be collected for only unused cheques out of last issued cheque book) The Customer is to be specifically informed at the time of opening of Account regarding above charges. |
Rs. 15/- per cheque + applicable GST |
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d) |
RETURN OUTWARD (CRC/ECS/ECS OF Cheques/ECS-DR/RD/NACH-DR) |
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i) |
For want of Funds & other reasons including stop payments.
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Upto Rs. 1 Lac – Rs.400/- +applicable GST Above Rs. 1 Lac upto Rs. 10 Lac Rs.500/- + applicable GST
Above Rs. 10 Lac – Rs. 1000/- + applicable GST |
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ii) |
Return Inward ( charges for cheque received unpaid which are sent in clearing ) (Applicable for ECS/NACH Returns also) |
Rs. 100/- + applicable GST |
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iii) |
ECS Mandate for Debit Clearing |
Rs. 5000/- Fixed Deposit or monthly R.D. Rs. 500/- (Lien should be mark For ECS Debit) |
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iv) |
Signature Verification |
Rs. 50/- per signature + applicable GST |
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e) |
ISSUE OF CHEQUE BOOKS additional cheque books (Persnalized / Non-Persnalized cheque Books) |
Rs. 5/- per cheque leaf – one cheque book of 15 leaves free in six month (will be governed by calender months ) + applicable GST
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f) |
ISSUE OF DUPLICATE PASS BOOK |
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i) ii) |
With Present balance With previous entries |
Rs. 25/- + applicable GST Rs. 25/- per page of computer statement + applicable GST Rs. 20/- Email statement per page + applicable GST |
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g) |
i) ii) |
Cheque deposited for repayment of loan which is return unpaid Stop payment Charges |
Upto Rs. 1 Lac – Rs.400/- +applicable GST Above Rs. 1 Lac upto Rs. 10 Lac Rs.500/- + applicable GST Above Rs. 10 Lac – Rs. 1000/- + applicable GST Rs.100/- + applicable GST |
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h) |
WITHDRAWAL OF WITHOUT PASS BOOK Note: Charges to be collected at the time of payment of withdrawal amount. |
Rs.30 /- per instance + applicable GST | ||||||||||||||||||||||||||||||
i) |
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CASH HANDLING CHARGES |
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i)
ii) |
Upto Rs.2.00 Lacs
Rs.200001/- & above
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Free
Rs. 20/- per 10000/- or part of thereof per day in CBS branches. + applicable GST. |
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j) | If Cash Deposited after 1.00 p.m. for Clearing Cheque / ECS Passing | Rs. 100/- (Per Cheque) + applicable GST
Mumbai , Navi Mumbai , Thane , Raigad , Satara & Pune Region. |
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2 |
CURRENT ACCOUNT & CC ACCOUNTS |
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a) |
Account opening & maintenance of minimum balance in current A/c |
Rs. 3000/- (Mumbai , Thane , Navi Mumbai , Raigad District Branches) Rs. 1500/- (Satara , Pune District Branches) |
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Charges |
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b) |
For want of funds & other reasons including stop payment. |
Upto Rs.1/- Lac- Rs.500/- + applicable GST
Above Rs.1/- upto Rs. 10/- Lac – Rs.700/- + applicable GST Above Rs. 10/- Lac upto Rs. 50/- Lac Rs.1200/- + applicable GST above Rs. 50/-Lac – Rs.3000/- + applicable GST
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CRC / Cheques / ECS / DR / NECH-DR Passed against un cleared balance |
Rs. 50/- per instrument + applicable GST + interest @ 18% on uncleared balance in current A/c | |||||||||||||||||||||||||||||||
c) |
Charges for failure to maintain minimum balance in any month. |
Rs.300/- p.m. + applicable GST (Mumbai , Thane , Navi Mumbai & Raigad District Branches) Rs. 100/- p.m. + applicable GST(Satara , Pune Dist. Branches) |
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d) |
Folio Charges |
Rs.25/- per folio to current A/c & Rs. 15/- per folio to CC/OD A/c to be charges Half Yearly Maximum Rs.1000/- + applicable GST i) 1 Folio = 40 Entries on computer pager ii) 1 Folio Free Half Yearly |
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e) |
CLOSURE OF CURRENT ACCOUNTS |
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i) |
If closed within one year from date of opening |
Rs. 500/- + applicable GST |
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ii) |
Closure of Inoperative current a/c or Transfer of Inoperative current a/c operative a/c or closure of a/c after one year |
Rs. 300/- + applicable GST | ||||||||||||||||||||||||||||||
iii) |
Charges for unused cheque to be collected at the time of closure of Current & CC a/c, Flexible loan account ( Not applicable to intra portability accounts) |
Rs. 10/- per cheque + applicable GST |
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f) |
i) ii) |
Issue of cheque book to bank transaction Issue of cheque book for repayment of loans(PDC Pupose) of other Banks |
Rs. 10/- per leave + applicable GST Rs. 20/- per cheque + applicable GST |
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g) |
i) ii) |
Issue of duplicate statement of a/cs Stop Payment Charges |
Rs. 25/- for each page of statement + applicable GST Rs. 100/- per cheque + applicable GST |
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h) |
i) ii) |
Up to Rs. 1.00 Lacs Rs. 100001/- & Above |
Free Rs. 25 per + applicable GST Rs. 100000/- or part of thereof per day in CBS Branches. |
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i) | If Cash Deposited after 1.00 p.m. for Clearing Cheque / ECS Passing | Rs. 100/- (Per Cheque) + applicable GST
Mumbai , Navi Mumbai , Thane , Raigad , Satara & Pune Region. |
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3 |
TERM DEPOSIT |
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a) |
Issue of duplicate receipt (to be issued in the form of certificate) |
Rs. 50/- + applicable GST |
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b) |
Recurring deposit (Reduction in interest amount for delayed payment.) |
Rs. 1.50 + applicable GST for every Rs. 100/- per month (i.e. 0.5 paise per Rs. 10/-) in case of single default no interest amount to be reduced.Advance installment can be adjusted towards default. |
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4 |
LOANS & ADVANCES, CASH CREDIT A/C & OTHER FORMS. |
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a) |
SUPPLY OF APPLICATION FORMS & FILES |
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i) |
Personal loan/ Tangible Security |
Rs. 100/- + applicable GST |
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ii) iii) iv) |
Hy. Loan (Veh.Bus.Mach.) CC/OD/MAPL/ML Loan Housing Loan Bank Guarantee & Solvency Certificate. |
Rs. 130/- + applicable GST Rs. 100/- + applicable GST Rs. 50/- + applicable GST |
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b) |
PROCESSING CHARGES |
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i) |
Clean / Secured / HY. Loan (Veh./Bus./Mach.) Cash Credit /Housing/ Profession / Consumer Durable / Educational Loan. |
Rs. 1/- per 1000 of demand loan amt. + applicable GST but minimum Rs. 60/- + applicable GST and maximum Rs. 9000/-. + applicable GST To be collected at the time of acceptance of Applicaiton ., which is not refundable. |
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ii) |
Gold/NSC/KVP/LVP/ Loan against Govt. Sec. Against Deposit of our Bank |
Rs. 150/- per application + applicable GST to taken at the time of application acceptance. |
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c) |
SERVICE CHARGES FOR LOANS/CASH CREDIT/OVERDRAFT AGAINST PROPERTY AND OTHER SECURITY |
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a) |
Loan Upto Rs. 25.00 Lakhs |
1% of Sanctioned Loan Amount + applicable GST |
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b) |
Loans above Rs. 25.00 Lakhs upto Rs. 50.00 Lakhs |
Rs. 25,000/- + 0.50% of Sanctioned Loan Amt. + applicable GST ExceedingRs. 25.00 Lakhs |
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c) |
Loans above Rs. 50.00 lakhs & upto Rs. 100.00 Lakhs |
Rs. 37,500/- Plus 0.25% of Sanctioned Loan Amt. + applicable GST ExceedingRs. 50.00 Lakhs |
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d) |
Loans above Rs. 100.00 lakhs |
Rs. 50,000/- Plus 0.20% of Sanctioned Loan Amt. + applicable GST ExceedingRs. 50.00 Lakhs |
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e) |
Preliminary Sanction Letter |
Upto Rs.1.00 Lac Rs. 500 /- + applicable GST Rs.100001/- to 1,00,00,00/- Lac Rs.700/- + applicable GST Rs.10,00,001/- to 25,00,000/- Rs.1000/- + applicable GST Rs.250,0,001/- to 50,00,000/- Rs.1500/- + applicable GST Rs. 50,00,001/- to 1,00,00,000/- Rs.2000/- + applicable GST Above Rs.1,00,00,001 Rs.5000 + applicable GST |
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f) |
Project take over proposal from other bank loan |
50% of applicable service charge as per above slab. + applicable GST |
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g) |
Renewals of Cash Credit /Overdraft Against /Gold Property Charges: |
Rs. 1200/- + applicable GST |
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h) |
If cash deposited after 1.00 p.m. for clearing Cheque/ ECS passing |
Rs. 100/- ( per Cheque) Mumbai, Navi Mumbai, Thane, Raigad, Satara & Pune Region |
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d) |
Exchange of pledged share certificates |
Rs. 250 + applicable GST per transaction irrespective of number of certificates. |
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e) |
CIBIL Charges |
Rs. 300/- + applicable GST |
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f) |
Property/Stock Audit fees for Cash Credit & Over Draft Loan account by banker auditor Rs. 50 Lakhs to Rs. 1.00 Crore |
Rs. 3000/- + applicable GST per audit. |
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g) |
Special Inspection Charges |
Rs. 500/- + applicable GST |
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h) |
Mortgage Noting Charges |
As applicable by registering authority. |
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i) |
NOTICE TO DEFAULTERS LOANS |
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i) |
R – 1 Notice …. 1st Notice |
Rs. 50/- + applicable GST |
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ii) |
R – 1 Notice …. 2nd Notice |
Rs. 100/- + applicable GST |
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iii) |
R – 3 Notice …. Personal visit & Notice |
Rs. 150/- + aplicable GST |
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iv) |
R – 3 & R – 4 Notice Advocate notice |
Rs. 300/- + applicable GST |
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v) |
Case file charges |
Actual |
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vi) |
Visit charges per visit to borrower/sureties for recovery purpose (after sanctioned of Loan) |
Rs. 150/- + applicable GST |
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vii) |
Any other Notice |
Rs. 100/- applicable GST |
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j) |
VEHICLES ETC. |
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i) |
Issue of NOC to RTO per vehicle |
Rs. 100/- + applicable GST as per vehicle |
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ii) |
Seizing Charges |
Rs. 1000/- + applicable GST per vehicle Rs. 2000/- per vehicle+ Actual Exp.out off Mumbai, Navi Mumbai, Thane, Raigad, Satara & Pune District. |
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iii) |
Trade Certificate Charges (for the purpose of H.P. registration at R.T.O.) |
Rs. 200/- + applicable GST
Rs. 300/- + applicable GST |
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k) |
SEALING / POSSESSION OF IMMOVABLE PROPERTIES |
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i) | a) Flat / Stall / Gala / Shop / Bunglow | Rs. 2000/- Plus actual expenses incurred for taking possession, Police protection charges. + applicable GST | ||||||||||||||||||||||||||||||
b) Factory Premises / Industrial Unit | Rs. 5000/- Plus actual expenses incurred for taking possession, Police protection charges. + applicable GST | |||||||||||||||||||||||||||||||
c) Possession of Flat / Stall / Gala / Shop / Bunglow through Court. | Rs. 2000/- Plus actual expenses incurred for taking possession, Police protection charges. + applicable GST | |||||||||||||||||||||||||||||||
ii) | Possession of Factory Premises / Indl. Unit through court
a) Sanctioned Amount. upto Rs. 5 Lac
b) Sanctioned Amount. upto Rs. 5 Lac to Rs. 50 Lac
b) Sanctioned Amount. above Rs. 50 Lac
*(GST is to be collected on recovery of actual expenditure also) |
Rs. 3000/- Plus actual expenses incurred for taking possession, Police protection charges. + applicable GST
Rs. 5000/- Plus actual expenses incurred for taking possession, Police protection charges. + applicable GST Rs. 10000/- Plus actual expenses incurred for taking possession,charges of court , Police protection charges. + applicable GST |
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L) | a) ASSIGNMENT OF NSC / KVP
b) Encashment of NSC/IVP/KVP etc.
Gold Loans |
Rs. 50 /- + applicable GST per certificate plus actual travelling cost not exceeding
Rs. 200 /- (Both Inclusive) actual post office charges + applicable GST (on all charges) Rs. 2/- per Gram. |
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5 |
BANK GUARANTEE |
1.50% of B.G. Amt. + applicable GST |
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6 |
SOLVENCY CERTIFICATE Upto Rs. 25.00 Lac Above Rs. 25.00 Lac to Rs. 50.00 Lac Above Rs. 50.00 Lac to Rs. 1.00 Crore Above Rs. 1.00 Core to Rs. 10.00 Crore Above Rs. 10.00 Core
Note : 1) If certificate is issued to individuals for their ward’s education purpose , 25 % of the charges as mentioned above + applicable GST 2) In case of extra original copy of same certificate Rs. 100/- + applicable GST per certificate
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Rs. 250/- per Rs. 1 lakh or Part thereof subject to maximum Rs. 3000/- + applicable GST Rs. 5000/- + applicable GST Rs. 10000/- + applicable GST Rs. 15000/- + applicable GST Rs. 20000/- + applicable GST
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7 |
ISSUE OF INLAND LETER OF CREDIT |
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a) |
i) |
Commitment Charges |
0.20/- paise per Rs. 100/- per Quarter or part thereof. + applicable GST |
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ii) |
Usance Commission |
0.20/- paise per Rs. 100/- per month or part thereof. + applicable GST |
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iii) |
Postage etc. |
Rs. 50% or Actual postal Charges whichever is higher + applicable GST Charges |
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b) |
i) |
Simple Amendment without extension of period or enhancement. |
Rs. 500/- + applicable GST |
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ii) |
Enhancement commitment charges |
Usance commission as above on amt. by which I/C in enhanced subject to minimum of Rs. 500/- + applicable GST |
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iii) |
Extension |
Commitment charges as above (No commitment charges if extension does not run into fresh period of 3 months) Subject to minimum of Rs. 125/- |
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iv) |
Reinstatement commission for Revolving L/C. |
Commitment charges at 0.20 paisa per Rs. 100/-plus usance charges as above subject to minimum of Rs.100/- + applicable GST |
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v) |
Postage |
Rs. 50 or Actual postages whichever is higher + applicable GST |
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8 |
BILLS & CHEQUES |
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a) |
COLLECTION OF OUTSTATION CHEQUE (IBC/OBC) |
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i) |
Upto Rs. 5000/- |
Rs. 25/- |
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ii) iii) |
Above Rs. 5001/- to Upto Rs. 10,000/- Above including Rs. 10001/- to Upto ` Rs. 1 lakh |
Rs. 50/- Rs. 100/- |
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iv) |
Above 1 lakh |
Rs. 200/- |
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v) |
Postage & Commission
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Above Charges include Postage & Commission charges as well as all other charges |
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b) |
OUTWARD NATIONAL CLEARING CHEQUE |
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i) |
Upto Rs. 5000/- |
Rs. 25/- + applicable GST |
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ii) |
Above Rs. 5001/- to Upto Rs. 10,000/- |
Rs. 50/- + applicable GST |
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iii) |
Above including Rs. 10001/- to Upto Rs. 1 lakh |
Rs. 100/- + applicable GST | ||||||||||||||||||||||||||||||
iv) |
Above 1 lakh |
Rs. 200/- + applicable GST |
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v) |
Postage & Commission |
Actual + applicable GST |
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c) |
COLLECTION OF OUTSTANDING BILLS |
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i) |
Upto Rs. 1000/- |
Rs. 20/- + applicable GST |
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ii) |
Above Rs. 1000/- to Upto Rs. 5000/- |
Rs. 35/- + applicable GST |
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iii) |
Above Rs. 5000/- to Upto 10000/- |
Rs. 60/- + applicable GST |
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iv) |
Above Rs. 10000/- to Upto Rs. 1 lacs |
Rs. 6/- per Rs. 1000/- or part thereof + applicable GST |
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v) |
Above Rs. 1 lacs |
Rs. 5.50/- per Rs. 1000/- or part thereof subject to minimum Rs. 600 /- maximum Rs. 2000/- + applicable GST |
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vi) |
Charges for return unpaid bills/ outstation cheques |
50% charges as above 8(a) & 8(c) subject to minimum Rs. 20/- + applicable GST
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vii) |
Postage |
Actual + applicable GST |
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9 |
PAY ORDER ETC. |
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a) |
I) |
ISSUE PAY ORDER |
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i) |
Upto Rs. 5000/- |
Rs. 30/- + applicable GST |
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ii) |
Above Rs. 5001/- to Up to Rs. 50000/- |
Rs. 60/- + applicable GST |
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iii) |
Above Rs. 50001/- to Up to Rs. 1 Lacs. |
Rs. 125/- + applicable GST |
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iv) |
Above Rs. 1 lacs to Upto Rs. 10 lacs |
Rs. 175/- + applicable GST |
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v) |
Above Rs. 10 lacs to Upto Rs. 50.00 lacs |
Rs. 250/- + applicable GST |
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v) |
Above Rs. 50 lacs |
Rs. 700/- + applicable GST |
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II) |
i) Revalidation of pay order within one year from date of issue |
Rs. 50/- + applicable GST |
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III) |
Issue of pay order favouring our Bank |
Nil |
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b) |
ISSUE OF OTHER BANKS DEMAND DRAFT/ BANKER CHARGES i.e. (H.D.F.C., I.D.B.I.)etc. |
As per Pay order charges | ||||||||||||||||||||||||||||||
C) |
i) ii) |
FUND TRANSFER CHARGES Real Time Gross Settlement (RTGS) Changes National Electronic Fund transfer (NEFT) charges
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Rs. 55/- per transaction + applicable GST Rs. 30/- per transaction + applicable GST |
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10 |
SAFE DEPOSIT LOCKERS |
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a) |
Opening of New Lockers Accounts |
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i) |
Key Deposit,however branch can mobilize higher amount of deposit also |
Rs. 10000/- for new lockers only |
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ii) | Service Charges at the time of giving new lockers Type No. 1 Type No. 2 Type No. 3 Type No. 4 Type No. 5 |
Rs. 300/- + applicable GST Rs. 350/- + applicable GST Rs. 400/- + applicable GST Rs. 750/- + applicable GST Rs. 750/- + applicable GST |
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b) |
Locker Rent: As per branch wise list Attached |
For small lockers free of Rent for 1st year | ||||||||||||||||||||||||||||||
c) |
Delay in payment of rent for all types of lockers |
Rs. 50/- Per month or part thereof + applicable GST | ||||||||||||||||||||||||||||||
d) |
Break open of lockers in case of loss of key/non payment of rent |
Rs. 1000/- Plus actual charges + applicable GST of company.Advertisement. | ||||||||||||||||||||||||||||||
e) |
No. of access allowed per month |
per month 5 access are freeRs. 50/- + applicable GST per additional access on monthly basis. | ||||||||||||||||||||||||||||||
f) |
Surrender Charges for all types of Lockers |
Rs. 1500/- + applicable GST | ||||||||||||||||||||||||||||||
11 |
CHARGES IN CASH CREDIT ACCOUNT |
Monthly charges of Rs. 500/- + applicable GST non submission of the statement 2.5% over & above the interest rate applicable + applicable GST (Note: Above 2 charges are separate & independent of each other till submission) |
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iii) Visit fees to borrowers C/C limit against Hypothecation of stock/book debts (verification of stock/ book debts once in a quarter) |
Rs. 200/-per visit + applicable GST |
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iv) Non-display of Bank name board in the business / office / factory premises / on machinery / on vehicle (Even by giving the board (Name Plate )When notice given to concerned parties) |
Rs. 300/-p.m. + applicable GST till displayed | |||||||||||||||||||||||||||||||
12 |
SMS ALERTS CHARGES |
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a) |
Deposit Holders : SMS Alert on Maturity & renewals of All type of Fixed Deposit |
Free | ||||||||||||||||||||||||||||||
b) |
Installment Type Loan Barrowers : |
Free | ||||||||||||||||||||||||||||||
c) |
Saving Account Holders |
Rs. 60/- + applicable GST per year (Rs. 15/- + applicable GST Quaterly ) | ||||||||||||||||||||||||||||||
d) |
Current , Cash Credit, Overdraft, & FDOD Account Holders : Debit / Credit Transaction |
Rs. 200/-per + applicable GST per year (RS. 50/- + applicable GST Quaterly) | ||||||||||||||||||||||||||||||
13 |
RUPAY JAOLI DEBIT CARD CHARGES |
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a) |
Annual Fee (from second year of issue) |
Rs. 150/-p.a. + applicable GST | ||||||||||||||||||||||||||||||
b) |
Additional fee for Additional Card (From First year of issue) |
Rs. 150/-p.a. + applicable GST | ||||||||||||||||||||||||||||||
c) |
Replacement of a damaged Debit Card by Customer |
Rs. 150/-p.a. + applicable GST | ||||||||||||||||||||||||||||||
d) |
Replacement of a lost Debit Card |
Rs. 125/-p.a. inclusive taxes | ||||||||||||||||||||||||||||||
e) |
Pin Replacement |
Rs. 100/- + applicable GST |
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f) |
Jaoli Bank ATM for Saving A/c |
Free up to 10 transactions per month. Rs. 10/- + applicable GST per transaction from additional transaction in the month. | ||||||||||||||||||||||||||||||
g) |
Other bank ATM for Saving A/c |
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i) |
Cash Withdrawal/Balance Enquiry |
Free for the first five transactions in a calendar month and Rs. 25/- + applicable GST (inclusive of tax) per cash withdrawals andRs. 15/- + applicable GST per transaction of balance Enquiry thereafter in the same month. | ||||||||||||||||||||||||||||||
h) |
Other Bank ATM for Current A/c holders and Overdraft A/c holders |
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i) |
Cash Withdrawal |
Charges of Rs. 25/- + applicable GST per cash withdrawal and for ever transaction. | ||||||||||||||||||||||||||||||
ii) |
Balance Enquiry |
Charges of Rs. 10/- + applicable GST per enquiry transaction. | ||||||||||||||||||||||||||||||
i) |
ATM Cash Withdrawal Limit Per Day at DMK Jaoli Bank ATM |
Rs. 20,000/- | ||||||||||||||||||||||||||||||
i) |
ATM Cash Withdrawal other than DMK Jaoli Bank ATM |
Rs. 15,000/- | ||||||||||||||||||||||||||||||
k) |
Purchase Transaction Limit Per Day (POS) After arrangement with stores |
As decided by the competent Authorities from time to time. | ||||||||||||||||||||||||||||||
l) |
CBS transaction from other branches Cash / Clearing / Transfer (Excluding system generated transactions) |
Free upto five transactions per month Rs. 30/- + applicable GST per transactions subsequently. | ||||||||||||||||||||||||||||||
10 |
(b) |
Locker Rent Annexure: |
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Remark:
No change in locker rent except as stated in item no 10 (a) to (f)
NOTE :
- All the applicable charges are mandatory to recover from bank customers.
- The applicable charges are mandatory to recover from the employees & their relatives.