Service Charges (applicable wef April 1st 2013) 1 A Minimum quarterly average balance requirement and quarterly maintenance

charges in SB accounts Where no visa card has been issued to an account holder
No VISA Card Minimum bal requirement Branch location Metro Urban Semi urban Rural QAB with cheque book facility 3000 2500 2000 1000 QAB without cheque book facility 1000 750 500 100 QMC per quarter 40 40 40 40

B

Where visa card has been issued to an account holder
With VISA Card Branch location Metro Urban Semi urban Rural QAB 3000 3000 3000 3000 QMC per quarter 80 80 80 80 25

Visa card charges per quarter

QAB is quarterly average balance and QMC is quarterly maintenance charges. The quarter for reckoning is calendar quarter. There are exemptions from QMC to the following categories of SB accounts Newly opened accounts for the respective quarter Accounts in newly opened branches of less than one year old Accounts in centres where we do not have ATM Staff accounts Salary accounts Student accounts Young India and Junior India accounts CUB Janatha savings accounts (No frills accounts) (now called basic savings account) Accounts with CUB cash – ATM card holders NRI accounts

the aggregate of all transactions will be taken for charging purpose. Part of a bundle will be treated as one for charging purpose. additional amount of Rs 40 per bundle will be recovered for notes in the denomination of Rs 50 and less.5 times but is < 125 times in a calendar quarter Cash to QAB exceeds 125 in preceding 3 calendar months Small denomination notes Charges No charges Charges at Re 1 per Rs 1000. where such bundles are more than one.5 times the average quarterly average balance and cash handling charges will be levied on cash turnover exceeding 12.2 Minimum quarterly average balance requirement and quarterly maintenance charges in current accounts (other than classic plus accounts) Minimum balance requirement QAB is < Rs 5000 QAB is between Rs 5000 and less than Rs 10000 Quarterly maintenance charges Rs 500 per quarter Rs 400 per quarter 3 Minimum quarterly average balance requirement and quarterly maintenance charges in classic plus accounts Minimum quarterly balance requirement in classic plus account is Rs 1 lac and classic plus account holders are subject to cash handling charges as per the details below. Charges at Rs 3 per Rs 1000 will be recovered on monthly basis immediately after the month end. It will be recovered on quarterly basis immediately after the quarter. If QAB falls short of Rs100000. S No 1 2 Cash received in the account Cash to QAB upto 12.5 times in a calendar quarter Cash to QAB exceeds 12.5. Small denomination notes charges will be levied at the time of cash transaction. 3 4 . If more than one cash deposit takes place on the same day in a branch. In case of small denomination notes. QMC will be levied at the higher of Rs 1500 per quarter or cash handling charges for the quarter Quarterly maintenance charges 4 Cash transactions in current accounts (including overdraft facility in current accounts and classic plus accounts) There will be no cash handling charges if cash deposited in a quarter is upto 12.

For example rent remitted in November will attract 2 quarter penalty of 20%. 6 6a Cheque book issue charges Savings Bank account Newly opened account Additional cheque book One cheque book (20 leaves) free if opened with an amount above QAB requirement Rs 3 per leaf where QAB < Rs 50000 Cheque book free if QAB for the previous quarter at the time of issue > Rs 50000 Staff accounts No frills accounts NRI accounts Rs 35 as courier charges from all other than the exempted categories and where previous quarter QAB > Rs 50000 Exemptions Courier charges recovery 6b Current accounts General category (other than classic plus) Rs 4 per leaf where QAB < Rs 100000 No cheque book charges where QAB > Rs 100000 Classic plus. and where it falls below Rs 1 lac they will be treated like normal current account holders.5 Locker rent Locker rent is based on location of a branch where locker facility is availed. Courier charges: Rs 35 to all . Subsequently.e before June end). locker hirers need to pay the annual rent within 3 months after the beginning of the financial year (i. Branches are categorised into the following five categories metro 1 metro 2 urban semi urban and rural Customers may contact the branch to know the categorisation of the branch Rent per annum in Rs Category Metro 1 Metro 2 Urban Semi urban Rural Large/ Extra large 5000 4500 4000 3000 3000 Medium 3000 2500 2000 2000 2000 Small 1500 1250 1000 1000 1000 From new locker hirers locker rent will be recovered upto March end.current account No cheque book charges where QAB > Rs 100000. In case of delay there will be late payment penalty at 10% per quarter (or part thereof).

First time issue and bank 1 SB/CA closure 2 Charges for ATM transactions in other bank ATMs 3 Cheque return charges Enquiries regarding old transactions (> 6 mths old) SI for transfer within Bank SI for transfer outside the bank Balance certificate ATM cards/ visa cards (first/ renewal/ 4 5 6 7 .6c CC OD customers Cheque book issue Courier charges Rs 4 per leaf Rs 35 7 Transaction charges S No Category Charges No charges for classic plus accounts. Thereafter the charges will be Rs. and Rs 400 for business entities (including proprietary concerns) if closed within the first 12 months and Rs 200 thereafter.20 per transaction. In general category it will be at Rs 5 per entry (other than internet and branch induced debits and credits) after giving free transactions based on QAB as under QAB < Rs 25000: 50 transactions per quarter QAB > Rs 25000 & upto Rs 1 lac: 100 transactions per quarter QAB > Rs 1 lac: 150 transactions per quarter At Rs 5 per entry if number of transactions (other than internet and branch induced debits and credits) exceed 25 per quarter 1 Current account 2 8 CC OD accounts Other services S No Item Recommended charges Rs 250 if closed within the first 12 months and Rs 100 thereafter for individuals. Rs 200 per card. Transfer of account from one branch to another is not treated as account closure. Financial or non-financial transactions by SB account holders from other bank ATMs will be free upto 5 transactions per month. This is applicable to all other than Staff accounts NRE accounts SB accounts where previous calendar quarter QAB > Rs 50000 Inward clearing including ECS returns Rs 100 per cheque/ ECS return Outward clearing Rs 100 per cheque This is applicable to all including classic plus accounts. Rs 100 per item Free Rs 100 as setting up charge and Rs 10 for each transaction thereafter Rs 25/ per certificate(for each copy) For card replacement at customer request.

00 Rs.00 Lakhs Rs. Schedule of exchange rate for DDs in Rupees is given below. 50% concession for senior citizens and individuals in rural branches For DDs in foreign currency.1.25 per transaction Above Rs.00 Ii .1000.00lakhs Rs. charges are RTGS – Rs. 50. 50. Rs 50 for all.00 Rs. A i Account holders DD issue Up to Rs.00 Rs 4 per Rs 1000 MinRs 100 Rs 4 per Rs 1000 Rs 4 per Rs 1000 Rs.00 lakhs to Rs.00 lakhs Rs.00 Rs.2. 50.50/= per transaction NEFT – Upto Rs.10000.10.2 lakhs – Rs.00 lakh to Rs.00 to 5000.00 to 1000.500.00 Lakhs and above DD cancellation Charges for all if DD/PO is issued by debit to purchaser's account Rs.500.00 lakh – Rs. 50% concession for senior citizens and individuals in rural branches Rs 100 for all.00 Rs.00 lakh – Rs.Free Outward RTGS/NEFT through alternate channels.00 Rs.00 to 10000.5000.S No Item replacement) Balance enquiry Stop payment of a cheque Signature verification 8 9 10 11 Foreign DD 12 Payment by ECS 13 RTGS/NEFT Recommended charges induced replacements like on validity period expiry will be issued free.00 – Rs. 50.00 to 1.5/= per transaction Above Rs.5. Free Rs 100 for all.00 Rs.Free Where the same is handled at branches.25/= per transaction__________ Free Free after taking necessary indemnity at customer’s cost 14 15 9 Issue of pass book or statement Duplicate FDR Remittance facilities (including through other banks) (Rupee or in foreign currency) No DD/PO charges for staff and for senior citizens 50% reduction on card rate will be allowed. 50% concession for senior citizens and individuals in rural branches Inward RTGS/NEFT.15 per transaction Above Rs.1.00 Lakh to 10. 50.2.5.1.00 Rs. the exchange is as for Rupee DDs apart from collecting foreign bank transaction charge for debit in the bank’s nostro account.

00 Lakhs Rs.1.00 Rs 3 per Rs 1000 MinRs 100 Rs 2 per Rs 1000 Rs 2 per Rs 1000 Rs.00 Rs. 50.A Iii iv v Account holders DD revalidation DD-duplicate issue Banker’s cheque – Issue Up to Rs.00 Rs 4 per Rs 1000 Min Rs 100 Rs 2 per Rs 1000 Rs 2 per Rs 1000 Rs.00 Rs. 50. 50.00 Rs. 50.00 to 1000.00 Rs.00 Lakh to 10.00 Lakhs and above – Rs.00 Rs.10000.00 Rs.00 Rs.00 Lakhs Rs.500.00 lakhs and above Pay Order – cancellation Pay Order – revalidation Pay Order – duplicate Issuance Charges for all if DD/PO is issued by debit to purchaser's account Rs.00 Rs.00 Rs 100 for POs upto Rs 5000 & Rs 250 thereafter Additional charges of Re1 per Rs vi vii viii C .00 Rs. 50.00 to 5000.500.00 Rs.00 to 5000. 50. 50.500.00 to 1.00 Rs 100 for DDs upto Rs 5000 & Rs 250/ thereafter Rs.1.00 Rs. 50.10.00 to 1.00 Rs 100 for POs upto Rs 5000 & Rs 250/ thereafter vi vii viii B i Non account holders DD Issue Up to Rs.00lakhs Rs.00lakhs Rs. 50. 50.00 to 10000.00 Rs.5000.00 Rs.00 Rs 3 per Rs 1000 Minimum Rs 100 Rs 3 per Rs 1000 Rs 3 per Rs 1000 Ii Iii iv v DD cancellation DD revalidation DD-duplicate issue Banker’s cheque issue Upto Rs.00 Lakhs Rs. 50. 50.00lakhs Rs.00 to 1. 50. 50.00 Rs.500.00 Rs.1000.00 to 10000.10000.500.00 Rs.00 to 5000.10000. 50.00 Rs.1.00 Rs.00 Rs.00 Lakh to 10. 50.1000.00 lakhs and above Pay Order – cancellation Pay Order – revalidation Pay Order – duplicate Issuance Where DD/PO is taken by Rs 100 for DDs upto Rs 5000 & Rs 250/ thereafter Rs.10.00 to 1000.00 to 1000.00 Rs.5000.00 Rs. 50.00 Rs.00 to 10000.00 Rs.500.10.5000.00 Lakh to 10.1000.

10000 Rs.10 per book 10 paise per Rs.1.per Rs 1000 Service charges for other customers Rs 50 per instrument Rs 100 per instrument Rs 150 per instrument Rs 150 per instrument Rs 250 per instrument Rs 300 per instrument Rs. Rs.42/Rs.5/.6/.10000 to Rs.6/.per 1000 Rs.25/Rs.5 per instrument) .per Rs 1000 Rs.10000 and upto & incl.5000/Above Rs.per 1000 ii Collection of bills UPTO Rs.5000 & upto & incl.62/Rs.000 Above Rs.per 1000 Senior citizens & individuals in rural areas Rs 25 per instrument Rs 25 per instrument Rs 50 per instrument Rs 75 per instrument Rs 125 per instrument Rs 150 per instrument Rs.1000 Rs.7/.per 1000 Rs.00 lac Rs.5 lacs Rs 25 per instrument Rs 50 per instrument Rs 100 per instrument Rs 150 per instrument Rs 250 per instrument Rs 300 per instrument Rs.00 lac to Rs 10 lacs Rs 10 lacs and above iii Cheque collection under speed clearing Upto & including Rs.100.A Account holders remitting cash Charges for all if DD/PO is issued by debit to purchaser's account 1000 will be levied as cash handling charges from all for DD/BC where the amount of DD/BC exceeds Rs 5000 10 Collection of cheques and bills SB account holders general category i Collection of Outstation cheques Upto & incl.52/Rs.5000 Rs.1000 to Rs.per Rs 1000 Rs.50/Rs.per 1000 Rs.6/.52/Rs.6/.1.per 1000 Rs.5/. Rs. 100.10000 Above Rs.000 NIL Above Rs 100000 Rs 150 NIL NIL Rs 100 NIL Courier charges of Rs 35 will be recovered in addition to the above 11 Account opened under financial Inclusion – No frills accounts Collection of cheques/bills/drafts Local Outstaion Issuing of cheque books upto one book For every additional cheque book Commission for demand drafts /Banker’s cheque No charges No charges No charges Rs.2 lacs & upto Rs 5 lacs Above Rs.5000 to Rs.42/Rs.100.7/.5/.100 (subject to a minimum of Rs.35/Rs.62/Rs.000 & upto Rs 2 lacs Above Rs.

00 lakh and upto Rs. 25. 2.000/. Dharani CUB Swayam Graha CUB .Easy business CUB .75% p.VidhyaVani (for studies in India) CUB. 2.000/.50% 0.00 lakh and upto Rs. 5.00 lakhs (other than micro & small enterprises advances) For priority sector advances above Rs. 5.and upto 2.75% Minimum Rs 7500 1.Dharani Special CUB.00 lakh For agricultural advances upto Rs.00 lakh. medium term and long term loans) Term loan review charges: (for all loans over Rs.VidhyaVani (for studies abroad) Non fund based For BG / LCs limit (inland) partly secured / Unsecured (new or renewal) For BG / LCs limit (inland) fully secured by deposits with CUB (new or renewal) 1.(for priority sector and micro & small enterprise advances) For priority sector advances above Rs. Yoha Vahana.25% For all advances above Rs. Easy Ride.10% pa Minimum Rs 2000 Processing Charge 1.10% Minimum Rs 500 .25% Minimum Rs 500 1.25% Minimum Rs 1000 0. 10 lakh with sanctioned maturity period > 24 months) Scheme loans CUB Consumer.25% Minimum Rs 2500 Processing charges 0. 5.00 lakh For all jewel loans (other than agri) (processing.25% Minimum Rs 1500 NIL 0.00 lakh (both priority & non-priority) (other than scheme loans) Nature of facility Processing Charge For working capital limits (both new and renewal) 0. appraising and documentation) For all jewel loans (agri) (appraising ) NIL Rs 250 Rs 1000 NIL NIL 0. 5. 5.00 lakh For non-priority advances upto Rs. 25.10 % Minimum Rs 7500 0.30% pa with a minimum of Rs 500 0. 2.00 lakh (other than micro & small enterprises advances) For micro & small enterprises advances upto Rs. Minimum Rs 5000 For loans (short term.00% Minimum Rs 500 0.12 Processing and inspection charges Fund based Processing charges (other than scheme loans) For advances upto Rs.a.10%% pa with minimum of Rs 250 0. For agricultural advances above Rs.

50. 5 crores Stock audit fees Recovery at half year ends on proportionate basis 13 Periodicity of recovery of service charges S No 1 Item QMC for SB/CA Per annum in Rs NIL 2000 3000 7500 15000 Actual 2 Cash handling charges 3 4 5 6 7 8 14 Cheque book issue Transaction charges Locker rent ATM transaction charges Others Processing charges Periodicity Quarterly at the beginning of the following calendar quarter Same as above. 2.Fund based Unit inspection charges (other than stock audit fees) Limit Below Rs. 2.1350 . the charges will be recovered monthly.20% for each 3 months Swift Charges 2000 (Subject to validity period of 3 months) Lc Amendments 750 Flat (if amount unchanged) FIBC Realisation – 0.10% + 0.00 lacs Limit above Rs. 50 lacs & upto Rs.850 Advance Remittance – Rs. 5 crores Limit above Rs.00 lacs and upto Rs.00 lacs Limit above Rs.65% Upto 90 days 0.00 lacs Limit above Rs. 10.80% After 90 days upto 180 days 1. Cash handling charges for notes below Rs 100 denomination.1350 Import Direct Remittance – Rs.00 lacs & upto Rs.10% After 180 days 1.30% of INR (sight) + 1405 LC Bill Realisation – Rs. the recovery is at the time of transaction As and when issued Quarterly (for each calendar quarter) In April for the year beginning April At the time of rendering service when the transaction in a month exceeds 5 in other bank ATMs At the time of rendering the service As and when a loan is sanctioned and disbursed Forex Charges Imports LC Opening Sight 0. Where cash deposited to QAB exceeds 125 for trailing quarter. 10.

Rs.100 0.250/Cheque – Purchase 0.1000 DD Issue Rs.275 Remittances Inward Upto Rs.700 Cheque – Collection 0.1200 Commn Upto Rs. The charges are exclusive of service tax.250 Rs.1000000 – Rs. Above Rs.250 Commn + Rs.65 Postage All the above charges are excluding Service tax which will be collected wherever applicable at the prevailing rates 15 The revision is applicable from April 1 2013.350 Txn Chgs BRC/FIRC issue – Rs.25% Above Rs.300000 0.500000 – Rs.500001 – Rs.500 Above Rs.65 – Postage .300000 0.125% Bill Purchase – Rs.1000000 – Rs.60% Commn Rs.3 Lakhs – 0. Outward Min Comm Rs.350 Crystallisation/Return .1200 (Courier Chgs) Realisation – Rs.25%.30% on INR Value Swift Charges Rs.Rs.50% Commn Rs.1250% Realisation – Rs.350 Commn upto Rs.Exports Collection Bills – Booking .3 Lakhs – 0. Applicable service tax will be collected separately as per the rates in force.350 Advance Remittance – Rs.