Service Charges (Inclusive of Service Tax)
( With effect from 01/09/2015)
Sr. No. 
Particular 
Existing 
New 
I 
Current /CC/OD 
1 
Cheque return Charges 
Rs. 150/ 
1) Rs. 150/
2) Incase of Recovery Cheques Rs. 200/ 
2 
A/c. Maintenance Charges 
Rs. 60/ per quarter 
Rs.100/ per quarter 
3 
Duplicate statement Charges 
Rs. 20/per page & maximum Rs. 500/ 
Rs. 25/per page & maximum Rs. 500/ 
4 
Cheque book charges 
Rs. 2/ per cheque 
Rs. 3/ per cheque (personalized chequebook) 
5 
Stop Payment charges 
Rs. 50/ per cheque 
Rs. 60/ per cheque 
6 
A/c. Closed within one year 
Rs. 250/ 
Rs. 250/ 
7 
Min. Balance charges 
Rs. 50/ per transaction 
Rs. 50/ per transaction 
8 
Clearing against charges 
Rs. 5/ per thousand 
Rs. 5/ per thousand 
II 
Saving 
1 
Cheque return Charges 
Rs. 50/ 
Rs.100/ 
2 
Duplicate Pass Book 
Rs. 50/ 
Rs. 50/ 
3 
Cheque Book charges 
Rs. 2/ per cheque 
Rs. 3/ per cheque (personalized chequebook) 
4 
Account closed within one year 
Rs. 100/ 
Rs. 100/ 
5 
Stop Payment Charges 
Rs. 30/ per cheque 
Rs. 60/ per cheque 
6 
Min. Balance Charges 
Rs. 20/ per transaction 
Rs. 30/ per transaction 

Sr. No. 
Particular 
Existing 
New 
III 
Recurring 
1 
Duplicate pass book 
Rs. 30/ 
Rs. 50/ 
2 
Pending installment 
Rs. 2/ per Rs. 100/ per month 
Rs. 2/ per Rs.100/ per month 
3 
A/c closed within 6 months 
Rs. 25/ 
Rs. 25/ 
4 
A/c closed after 6 months 

 NIL 
IV 
OBC / IBC 
1 
Collection Charges
Upto Rs. 1000/
10015000
500110000
10001100000
Above Rs.100000 
Upto Rs. 5000/  Rs. 40/
Rs. 5001/ Rs. 10000/  Rs. 50/
Rs. 10001 Rs. 50000  Rs. 75/
Rs. 50001 Rs.100000  Rs. 100/
Rs. 1.00 lakh  Rs. 150/
(All above charges are inclusive of Postage) 
Upto Rs. 5000/  Rs. 40/
Rs. 5001/ Rs. 10000/  Rs. 50/
Rs. 10001 Rs. 50000  Rs. 75/
Rs. 50001 Rs.100000  Rs. 100/
Rs. 1.00 lakh & above  Rs. 150/
(All above charges are inclusive of Postage)

2 
OBC / IBC return charges 
OBC Cheque sent directly
SB Rs. 50/
CA CC Rs. 100/
OBC sent through other Bank
Actual Charges of other Bank 
OBC Cheque sent directly
SB – Rs. 50/
CA & CC – Rs. 100/
OBC sent through other Bank
Actual Charges of other Bank

V) 
Bank Guarantee  Issued through won bank 
1 
Secured Guarantee 
3% p.a. Minimum Rs. 150/ 
3% p.a. Minimum Rs. 150/ 
2 
Secured against FDR 
2% p.a. Minimum Rs. 150/  For 100% deposit 
2% p.a. Minimum Rs. 150/  For 100% deposit 
3 
Bank Guarantee from Other Bank 
 
3% p.a. Minimum Rs. 150/ (Sharing basis)


Sr. No. 
Particular 
Existing 
New 
VI 
Loan 
1 
Loan Form Housing / Personal 
Rs. 60/ 
Rs. 100/

2 
Business loan Form 
Rs. 120/ 
Rs. 150/

3 
Process / Scrutiny Fees

0.50 % of loan amount Minimum Rs. 250/
Maximum Rs. 1.00 lakh 
0.50 % of loan amount Minimum Rs. 500/ 0.2% at the time of submission of proposal (Non Refundable) 0.3% at the time of issuing sanction letter.

4 
Custody charges (Gold loan) 
Rs. 60/ per quarter

Upto Rs. 2.00 lakh – Rs. 100/ per quarter Upto Rs. 5.00 lakh – Rs. 150/ per quarter Above Rs. 5.00 lakh – Rs. 250/ per quarter

5 
Commitment charges 
1% p.a. on unutilized amount

1% p.a. on unutilized amount 
6 
Collection of bills under bills discounting / Bill Limit 
Rs. 6/ per thousand 
Rs. 6/ per thousand 
7 
Cheque purchase & drawl against clearing 
Rs. 4/ per thousand Max. Rs. 2000/ (Amt. of BP – As permitted by RBI)

Rs. 5/ per thousand (Amt. of BP – As permitted by RBI) 
8 
Stock verification charges

Upto Rs. 5.00 lakhs Rs. 100/ per quarter Above Rs. 5.00 lakhs Rs.200/ per quarter 
Upto Rs. 5.00 lakhs Rs. 100/ per quarter Above Rs. 5.00 lakhs Rs. 200/ per quarter

9 
C.C Renewal Charges 
Upto Rs. 5.00 lakhs Rs. 100/ per year Above Rs. 5.00 lakhs Rs. 250/ per year

0.1% on loan amount and Min. 500/ 

Sr. No. 
Particular 
Existing 
New 
VII 
Commission 
1 
Pay Order 
Rs. 2/ per thousand  Min. Rs. 10/ for customer
Rs. 3/ per thousand  Min. Rs. 15/ for Noncustomer Max Rs. 2000/ for both categories. 
Rs. 2/ per thousand  Min. Rs.10/ for customer Rs. 3/ per thousand  Min. Rs. 15/ for Noncustomer Max Rs. 2000/ for both categories. 
2 
D.D. Commission 


i) 
HDFC / Saraswat 
Rs. 2/ per thousand Min. Rs. 10/ Max.5000/

Rs. 2/ per thousand Min. Rs. 10/ Max.5000/

ii) 
SBBJ 
As per rate of SBBJ

As per rate of SBBJ

3 
Solvency Certificate 
Rs. 250/ per lakh , Min. Rs. 250/ Max. Rs. 10000/ 
Rs. 250/ per lakh , Min. Rs. 500/ Max. Rs. 15000/

i) 
Through own bank 
ii) 
Through other bank 
Rs. 500/ + other bank charges 
Up to Rs. 10.00 lakhs  Rs. 1000/ + other bank charges Above Rs. 10.00 lakhs  Rs. 2000/ + other bank charges

VIII 
Signature Verification 
Rs. 30/ 
Rs. 60/ 

Other Charges
Sr. No. 
Particular 
Existing 
New 
1 
Charges for duplicate deposit receipts 
Rs. 20/ per receipts 
Rs. 50/ per receipts 
2 
Duplicate DD/PO charges 
P.O. Rs.10/ HDFC DD Rs.20/ SBBJ & SARCO – As Actual 
P.O. Rs. 20/ HDFC DD Rs. 50/ SBBJ & SARCO – As Actual 
3 
Cancellation of DD / Revalidation & P.O. 
HDFC Rs. 25/ SBBJ & SARCO – As per rate of SBBJ & SARCO 
HDFC Rs. 50/ SBBJ & SARCO – As per rate of SBBJ & SARCO 
4 
ECS Return 
Saving  Rs. 35 / Current  Rs. 50/ 
Saving  Rs. 60/ Current  Rs. 100/ 
5 
RTGS 
Upto Rs. 5.00 lakhs Rs. 28/
Above Rs. 5.00 lakhs Rs. 56/ 
Upto Rs. 5.00 lakhs Rs. 28/
Above Rs. 5.00 lakhs Rs. 56/ 
6 
NEFT 
Upto Rs. 1.00 lakhs Rs. 6/
Rs. 1.00 lakhs to Rs. 2.00 lakhs – 17/
Above Rs. 2.00 lakhs Rs .28/ 
Upto Rs. 1.00 lakhs Rs.6/ Rs. 1.00 lakhs to Rs. 2.00 lakhs – 17/ Above Rs. 2.00 lakhs Rs. 28/ 
7 
Forex Transactions 
Outward Remittance Upto Rs. 1.00 lakhs Rs.50/ Plus Charges of HDFC & SARCO Above Rs. 1.00 lakhs Rs.100/ Plus Charges of HDFC & SARCO Inward Remittance Charges of HDFC & SARCO 
Outward Remittance Upto Rs. 1.00 lakhs Rs.50/ Plus Charges of HDFC & SARCO Above Rs. 1.00 lakhs Rs. 100/ Plus Charges of HDFC & SARCO Inward Remittance Charges of HDFC & SARCO 
8 
Franking 
Rs. 10/ per document 
As per E Franking (proposed) 
9 
Cash Handling Charges 
 
Up to Rs. 5.00 lakhs Receipts free Above Rs. 5.00 lakhs Rs. 10/ per lakhs 
10 
ETax Payment 
 
Rs. 60/ Per Challan 
11 
Outward Clearing Cheque Retun Saving /Current / OD/ CC 
 
Rs. 60/ For Loan Account – Rs.350/ 
12 
Gold loan 
 
Processing Fee Rs.100/ 
13 
Issue of LC (LCInland) 
 
1% (Minimum 500/)+ other Bank charges at actual 
14 
Precloser charges for loan 
 
2% on Outstanding Balance of loan amount (If take over from other bank) Except Housing Loan 

Locker Charges
Locker Category 
Locker Size in C.M.s 
Present Locker Rent 
New Locker Rent
(w.e.f. 1st April 2016) 
A 
11.43 x 15.24 x 50.29 
520/ 
650/ 
B 
15.24 X 18.42 x 50.29 
830/ 
1050/ 
C 
11.43 X 17.78 x 50.29 
600/ 
750/ 
D 
15.24 X 19.05 x 50.29 
860/ 
1100/ 
E 
15.24 X 20.32 x 50.29 
920/ 
1150/ 
F 
11.43 X 33.02 x 50.29 
1120/ 
1400/ 
G 
17.78 X 24.1 x 50.29 
1270/ 
1600/ 
H 
17.78 X 25.40 x 50.29 
1340/ 
1700/ 
I 
15.24 X 40.64 x 50.29 
1835/ 
2300/ 
J 
15.24 X 43.18 x 50.29 
1950/ 
2450/ 
K 
17.78 X 50.80 x 50.29 
2680/ 
3350/ 
L 
20.32 X 30.48 x 50.29 
1835/ 
2300/ 
M 
22.86 X 33.02 x 50.29 
2240/ 
2800/ 
N 
26.67 X 33.02 x 50.29 
2610/ 
3300/ 
O 
31.75 X 40.64 x 50.29 
3820/ 
4400/ 
P 
40.64 X 30.48 x 50.29 
3670/ 
4250/ 
Q 
30. 48 X 39.37 x 50.29 
3555/ 
4100/ 
R 
39.37 X 50.80 x 50.29 
5920/ 
6850/ 

Special Instructions :

Year for locker rent will be from 1st of April to 31st March of Next year.

Late Fee @ 2% per month on locker rent overdue should be charged is the rent is not paid before 30th June of the year.

Late Fee will be applicable on the locker rents remaining overdue from 1st July 2014.

In case any different size locker is available in the branch, nearest size should be considered for applying rent and security deposit and size should be reported to Head Office.