Sr. No.	Particulars	Applicable service charges w.e.f. 17.07.2025
A	DEPOSITS SECTION
1	Savings Bank Account
a	Minimum Balance	--
	Charges for not maintaining minimum balance	--
b	Issue of Duplicate Pass book	Rs.50/- per passbook with transaction for the current year only. Rs.30/- per each previous year. (Note : Charge applicable after first passbook)
c	ATM Card maintenance Charges	Rs. 100/- per year (Except BSBDA)
d	ATM Card Re-issue fee	In case of loss of ATM Card Rs.150/-
e	Cheque Book Charges	First - 1 - cheque books of 15 leaves - Free of cost at the time of opening of account. Additional cheque book Rs 3/- per leaves.
f	Stop payment charges	Rs 250/- per stop payment instruction.
g	Inward return charges/NACH/SI (Per instrument)	Rs. 200/- per instrument/ cheque/ ECS
	Outward return charges (Per instrument)	Rs.100/- per instrument/ cheque/ ECS
h	SMS Charges	On actual basis at prevailing rate
i	Dormant / Inoperative charge	No Charge
j	Account closure	Rs 200/- if closed within one year.
2	Current Account
a	Minimum Balance	--
b	Charges for not maintaining minimum Balance.	--
c	Issue of Duplicate Statement of account	Rs.20/- per page.
d	Business Debit Card (ATM) maintenance Charges	Rs 250/- per year
	ATM Card re-issue Fee	In case of loss of ATM Card Rs.250/-
e	Net Banking Charges	Free of cost.
f	SMS charges	On actual basis at prevailing rate
g	Cheque Book Charges	1) First cheque books of 45 leaves Free of cost at the time of opening of account. 2) Additional cheque book Rs 3/- per leaves.
h	Stop payment charges	Rs 250/- per stop payment instruction.
i	Inward return charges/NACH/SI (Per instrument)	Rs. 350/- per instrument/ cheque/ ECS
	Outward return charges (Per instrument)	Rs. 150/- per instrument/ cheque/ ECS
j	Account closure	Rs. 200/- if closed within one year.
k	Dormant / Inoperative charge	No Charges.
3	Term (Fixed ) Deposits Account
a	Issuance of duplicate Fixed Deposit Receipt	Rs 150/- per FDRs. Stamp charges for Indemnity shall be on actual basis as applicable to State Stamp Act.
4	Draft/T.T./Pay Order
	[A] Through Own Bank	Non Cash Cash up to Rs.49999.00 Rs 0.50 per Rs. 1000.00 Rs.1.00 per Rs.1000.00 Subject to minimum of Rs.20.00 to maximum Rs.1000.00 Subject to minimum of RS.25.00.
	[B] Through other bank	Actual other bank charged + 0.50 paisa per Rs. 1000.00
	[C]Issue of duplicate DD/Pay order(in lieu of instrument)	Rs. 150.00/- (+) cost of Stamp paper for indemnity bond.
	[D] Cancellation/Revalidation of DD/ Pay Order	Rs. 100.00 per instrument.
	Inward Bill Collection - IBC	Deleted
	Outward Bill Collection - OBC	Deleted
5	Postage Charges	Ordinary as actual subject to minimum Rs. 30.00.
6	ATM Charges	Other Bank ATM
	Financial Transaction	Rs.23+GST
	Non-financial transaction	Rs.10+GST
		Above charge applicable after 5 free transaction (Inclusive of financial and non-financial transactions) per month.
7	RTGS
	Inward remittance	FREE
	Outward remittance	Rs.2 Lacs to Rs.5 Lacs Rs. 10/- Rs.5 Lacs & above Rs. 25/-
	NEFT
	Inward remittance	FREE
	Outward remittance	Up to Rs.10,000 Nil Above 10,000 up to 1,00,000 Rs.5.00 Above 10,0000 up to 2,00,000 Rs.10.00 Above 2,00,000 Rs.15.00
8	Loss of Token	Rs.200.00 per lost.
9	Signature Verification/Attestation	Rs. 200.00 per signature.
10	Interest Certificate	Free
11	No Dues Certificate	Rs.100/- per certificate
12	Addition/Deletion of Name	Rs.100/- per request
13	Cash Handling Charges [For SB/CA/CC A/C.]
	(A) Cash Withdrawal Charges	Upto Opening Balance - Free Otherwise Rs. 50/- per lac
	(B) Cash Deposit in Current A/c	No Charge
	(C) Cash deposit in CC/OD	No Charge
14	Stationery [Folio] Charges	Deleted
15	ABB (Other Branch) Transaction
	Cash	Free
	Transfer	Free
	Clearing	Free
16	NACH Mandate Charges	Rs.50/- per mandate
17	Confidential Report Charges	Rs.500/- per report
18	Registration / Change in POA mandate	Rs.20/- per occasion
19	Operation through POA mandate	No Charge
20	RTGS/NEFT charge through E-Banking channel.	No Charge
21	CIC Charges
	Consumer CIR+ CV Score	Rs.100/-
	Commercial CIR	Rs.1500/-
22	Locker Rent
		Locker Type Rent A 900+ GST B 1400+ GST C 2700+ GST D 5400+ GST E 1400+ GST F 1100+GST G 2700+GST H 1400+GST I 5400+GST J 1400+GST Locker operation charges to be levied Rs.50.00 plus GST on each locker operation transaction after 24 Free locker operation transactions in a Financial Year.
23	New ATM Pin	Rs.50/- per request
24	Share Transfer Fee	Rs.1.00 per share subject to minimum Rs.100/-
25	Members ID Card Fee	No Charge
26	Duplicate Members ID Card fee	Rs.100/- per card
27	Entrance fee	Rs.50/-
28	Nominal Membership fee	Rs.50/-
29	Duplicate Share certificate Fee	Rs.1.00 per share subject to minimum Rs.100/-
B	LOAN & ADVNCES
1	Processing Charges
a	All type of working capital facilities (FB+NFB) such as Cash Credit/Overdraft/ BP/BD/LC/BG (Except FDOD & Real Esate Finance)	Fresh Limits: 1) No charges for limit up to Rs 25.00 lakhs 2) 0.10% + GST for limit above Rs 25.00 lakh to Rs 1.00 crs 3) 0.15% + GST for limit above Rs 1.00 crs & up to Rs 5.00 crs 4) 0.20% + GST for limit above Rs 5.00 crs & up to Rs 10.00 crs 5) 0.25% + GST for limit above Rs 10.00 crs (Maximum 5.00 lakhs) Review/Renewal of Limits: 50% of the above charges at the time of review of credit facilities with maximum of Rs 2.50 lakhs.
b	All types of Demand Loan AND Term Loans, except as mentioned under 'c' to 'g' of this chart.	One time processing fee @ 0.25% + GST of the loan limit (Maximum 10.00 lakhs).
c	Vehicle loan including personal car loan (for personal use only)	1) Rs.350/- + GST for 2 Wheeler. 2) Rs.750/- + GST for 3 Wheeler. 3) Rs. 1500/- + GST for -4- Wheeler Note: Other than above vehicles, including any public vehicle , one time processing fee to be recovered as stated under DL/TL @ 0.25%
d	Housing Loan	1) For Limit up to Rs 50.00 lakhs, no processing charges. 2) Above Rs 50.00 lakhs @ 0.10% + GST of the total hosing loan loan limit 3) Housing top-up @ 0.10% + GST of the limit sanctioned. (Note: No processing charges-In case of Housing loan taken exclusively in name of Female)
e	Advances against Shares and securities & Lease Rent Discounting	One time processing fee @ 0.25% + GST of the loan limit.
f	Loan & Overdraft against our FDRs , Gold Loan, Loan against NSC/LIC)	No processing charges to be levied.
g	Real Estate Project finance (working capital & TL both).	FOR TERM LOAN One time processing fee @ 1) 0.25% + GST of the loan limit up to 5.00 crs 2) 0.50% + GST for limit above Rs 5.00 crs with Maximum of Rs 5.00 lakhs. For Working capital limit for fresh as well as review processing fee @ 1) 0.25% + GST of the loan limit up to 5.00 crs 2) 0.50% + GST for limit above Rs 5.00 crs with Maximum of Rs 5.00 lakhs
2	Documentation Charges
a	Applicable to all type of credit facility/ies i.e. Loan and working capital	1)Slab wise as per below. Loan Upto Rs. 10 Lacs - No Charge Above Rs. 10 Lacs to Rs. 25 Lacs - Rs. 500/- Above Rs. 25 Lacs to Rs. 50 Lacs - Rs. 1000/- Above Rs. 50 Lacs to Rs. 100 Lacs - Rs. 1500/- Above Rs. 100 Lacs to Rs. 300 Lacs - Rs. 2000/- Above Rs. 300 Lacs - Rs. 2500/- 2) Actual TCR charges, Advocates fee, Registration fee, Valuation charges etc. to be recovered on actual expenses basis.
3	Cheque book charges, Inward & Outward return charges stop payment instructions, Duplicate statement of account, SMS charges etc. on loan and advances accounts.	Charges to be recovered as applicable to Current Account.
4	Bank Guarantee
		Processing Fee: (Fresh/Review) In line with as mentioned at B.1(a) Processing charges .
		BG issuance charges: Rs 250/- + GST per BG issued
		Commission: 1) BG issued by our Bank: @2.00% of the BG amount subject to minimum of Rs.1000 + GST. 2) BG issued through other Bank tie up: @2.20% of the BG amount or as per sanction terms + GST. * Commission to be recovered for the full period of BG including claim period if any mentioned in BG. * In case 100% cash margin in the form of FDRs, commission @ 1/3th of actual commission subject to minimum Rs.500 + GST to be recovered. * For recovery of commission, BG amount to be rounded off to nearest thousands and a part of thousand shall be treated as thousand. Say 121250/- means 1.22 lakhs for the purpose of commission. * Commission to be recovered on quarterly basis and even a day will be treated as a full quarter for calculation of commission. Say 1 year & 10 days means -5- quarters. Cancellation of BG: CEO is empowered to refund of commission limited to 50% of the actual commission recovered for the remaining period, LESS of one quarter. No refund of GST tax levied earlier of the actual in case of any BG cancelled before the expiry date. Extension of Period of BG: It is to be treated as a issuance of fresh BG and all usual charges for fresh BG is applicable here.
5	Letter of credit
		Processing Fee: (Fresh/Review) In line with as mentioned at B.1(a) Processing charges.
		LC Transmission charges: Rs 500/- + GST
		Commission: 1. Issuance of the LC by us @ 2.00% of the LC amount + GST + Rs 500/- SFMF charges 2. Issuance through other bank tie up: @2.20% of the LC amount + GST Rs 500/- SFMF charges. *In case 100% cash margin in the form of FDRs, commission @1/4th of actual commission to be recovered. *Commission to be recovered for the full period of LC including days of grace and up to last negotiation date. *For recovery of commission, LC amount to be rounded off to nearest thousands and a part of thousand shall be treated as thousand. Say 121250/- means 1.22 lakhs for the purpose of commission. *Commission to be recovered on quarterly basis and even a day will be treated as a full quarter for calculation of commission. Say 1 year & 10 days means -5- quarters. Cancellation of LC: Any cancellation of LC with the consent of all concern parties, before expiry date. (a)Issued by us: CEO is empowered to refund of commission limited to 50% of our usual commission. No refund of GST tax levied earlier (b)Issued through other bank tie up: Refund will be as per the practice of the LC issuing bank. Our service charges flat Rs.250/- + GST to be recovered from such refund amount. Amendment in LC: Any amendment of any kind and nature after transmission of LC, will attract amendment charges flat of Rs 1000/- + GST per amendment. In case of LC issued through other bank - their actual amendment charges plus Rs 250/- + GST for our service charges.
6	Solvency Certificate charges	0.25% of the amount of solvency certificate subject to minimum Rs.1000/- and maximum Rs.25,000/-.
7	Bank Certificate Charges	Rs 2500/- + GST per certificate Note: Bank certificate will be issued to our Borrowers who are maintaining their Savings and Fixed deposit account with our bank.
8	Restructuring of Credit facilities	0.10% + GST of the total limit after restructuring
9	Inspection charges
a	The charges to be recovered for post/ periodical inspection of securities (primary and collateral)	For Limit; 1. up to Rs 50.00 lakhs : Nil 2. Above Rs.50.00Lakhs to Rs.200 lakhs-Rs.250/- + GST. 3. Above Rs.200 lakhs to Rs. 500 lakhs - Rs.500/-+ GST 4. Above Rs. 500 lakhs to Rs 1000 lakhs- Rs 1000/-+ GST 5. Above Rs 1000 lakhs - Rs 1500/- + GST. Note: a) The above charges are per inspection per borrower. b) Where the inspection is to be carried out at two different location outside the city within which branch is located, if borrower has not arranged for vehicle then actual conveyance charges paid to be recovered over and above stipulated charges. c) If the assets charged to the bank is/are outside the city/state actual expenses incurred by the inspecting officer shall be recovered over and above stipulated charges. d) Branches to carry out post/periodical inspection as per Bank's guidelines. e) In case of priority sector lending limit up to Rs 25000/- no inspection charges etc. to be charged.
10	Other Service Charges
a	Issuing of NOC for ceding pari-pasu charge, exclusive charge, 2nd charge etc. Except in case of consortium lending	a) No charges for limit up to Rs 100 lakhs. b) Rs. 2000/- + GST for limit above Rs. 100.00 lakhs & up to Rs 500.00 lakhs. c) Rs. 3000/- + GST for limit above Rs. 500.00 lakhs to Rs 1000 lakhs. d) Rs. 5000/- + GST for limit above Rs. 1000.00 lakhs to Rs 1500 lakhs e) Rs 10000/- + GST for limit above Rs 1500 lakhs
b	For opening and maintenance of ESCROW/RERA account	Rs 4000/- + GST per year to be recovered at the time of review of the facility or at the end of the financial year i.e. 31st of March every year.
c	Modification/Change in terms and conditions	Any type of modification as listed below, Flat charges of Rs 2500/-+ GST to be recovered, per modification a) Substitution of Collateral security, b) Substitution of guarantor/s, c) Release of Personal Guarantee/ Collateral Security, d) Change in items of machinery, quotations Interchangeability of limits, e) Ceding of charges on Assets charged to bank, f) Change in constitution.
d	Lead Bank charges	0.25% + GST of the limit (FB+NFB) sanctioned under consortium. The charges to be recovered every year.
e	Pre-Payment of loan and advances charges	No prepayment charges for Loan under Floating rate of interest. Our rate of interest on loan and advances is Fixed Rate of Interest for all lending products. Hence, per-payment charges to be recovered as under; a) If it is from borrower's own sources - no prepayment penalty. b) In case of take over by other bank, NBFC or from the balance held with other bank following prepayment penalty to be recovered. 1. Prepaid within -3- years from the date of disbursement @ 2% p.a. of outstanding amount (except non fund based limit). 2. Prepaid after -3- years and up to -7- years from the date of disbursement @1% p.a of outstanding amount (except non fund based limit). 3. Prepaid after -7- years from the date of disbursement - No prepayment penalty.
f	Penal charges/additional interest for non-submission of stock statement, overdue in CC/OD account and overdue EMIs etc.	1) 2% p.a. additional rate of interest to be charged on Adhoc/Excess allowed to existing borrowers. 2) 2) Penal Charges Nature of non-compliance Penal Charges Non-submission/ delayed submission of monthly Stock / Book debts statements. @ 2% p.a. on the outstanding balance in the account at the end of the previous month till the date of submission. Non-submission / delayed submission of Balance Sheet / Profit and Loss account for the purpose of review of the credit facilities on its due date. @ 2% p.a. on the total exposure at the time of due date of review of the facility/ies. Non-compliance of any of the terms and conditions of the sanction beyond -3- months such as; @ 2% p.a. on the outstanding balance as on completion of 90 days time line as per sanction till the date of compliance of the same. a) Non Creation of mortgage within a stipulated time considered. b) Non Registration of charge with ROC by the borrower within 90 days time. c) Non-compliance of any of the material terms and conditions of the sanction which may have adverse impact on perfection of security, recovery of dues etc. Excess Drawing in the CC/OD account, where the DP is less than the outstanding balance in CC/OD account or any incident by which the outstanding is more than the permissible DP/sanctioned Limit. @ 2% p.a. on the excess/overdue portion in the account and charges to be recovered from the date of such excess in the account till the adjustment of the same. Non adjustment/settlement of TOD/ Adhoc/ Excess etc. on due date. This is applicable to all types of CC/OD and Current account. @2% p.a. on the TOD / Ad hoc amount granted from the due date of the same as per sanction till the date of adjustment/ settlement. Diversion of fund or facility/ siphoning of bank loan. @2% p.a. on the outstanding balance from the date of diversion/ siphoning reported till the account settled/adjusted. In case borrower is not co-operating for completion of stock audit within 60 days from the date of intimation to the Borrower. @2% p.a. on the balance outstanding after completion of stipulated 60 days time till the date of completion of such audit. Non submission of External Rating within the stipulated time line as per sanction/review note. @2% p.a. on the balance outstanding after completion of stipulated time till the date of submission of the same. Failure to comply with the financial parameters including infusion of fresh capital, unsecured deposits and/or maintaining of specific ratios as per terms of sanction/review. @ 2% p.a. on the balance outstanding as on the due date of such compliance stipulated in last sanction/review till the date of final compliance. Non - Routing of proportionate turnover in the CC/OD account of our Bank and maintaining of current account with other Bank where the total exposure is in excess of Rs 500.00 lakhs. 2% p.a. on the balance outstanding for the period of irregularity till the date corrective steps initiated. Non - Payment of Instalment/Interest Overdue in case of Term Loan Accounts @ 2% p.a. on the overdue portion in the account and charges to be recovered from the date of such overdue in the account till the adjustment of the same. Note : In case of priority sector lending limit up to Rs 25000/- no penal Charge to be charged.
g	CERSAI Charges	CERSAI Charges applicable to such borrowers who availed any type of loan against collateral security including property (Including Mortgage + Undertaking), Machinery, Stock & book debt. Loan Amount Up to Rs 5.00 Lakh Rs.50/- Loan Amount exceeding Rs 5.00 Lakh Rs.250/- Modification charges related to CERSAI Rs.250/-
h	Commitment Charges for Non/Lower utilisation of FBWC limit more than 100 Lakh.	Average utilisation of FBWC Limit   More than 60% Nil More than 30% and up to 60% 0.50% Up to 30% 1.00%

Note :

1. All the charges are exclusive of applicable taxes from time to time.