1. Savings Bank Account
Account Nature |
Rate of interest |
Minimum Balance |
Normal |
Senior Citizens |
Rural |
Urban |
Penalty |
| A. Domestic |
4% |
4% |
-- |
-- |
-- |
| a. With Cheque Book facility |
-- |
-- |
1000 |
1000 |
10/month |
| b. Without Cheque Book |
-- |
-- |
250 |
250 |
10/month |
| c. No Frill Account |
-- |
-- |
0 |
0 |
Nil |
| B. Non Resident |
3.5% |
3.5% |
-- |
-- |
-- |
| a. NRO |
-- |
-- |
1000 |
1000 |
10/month |
| b. NRE |
-- |
-- |
1000 |
1000 |
10/month |
2. Term Deposits
| |
Normal |
Senior Citizen |
15 lakh & above
Below 50 lakh |
above 50 lakh |
| A. Domestic |
|
|
|
|
| 30 days to 45 days [with effect from 18.05.2011] |
6,25% |
6.25% |
6.25% |
6.25% |
| 46 days to 90 days |
6.5% |
6.5% |
6.5% |
6.5% |
| 91 days to 180 days |
8.5% |
8.5% |
8.5% |
8.5% |
| 181 days to below 1 year |
|
|
9% |
9% |
| 1 year and up to 5 years |
10.25% |
10.75% |
10.25% |
10.25% |
| above 5 years |
10.25% |
10.75% |
10.25% |
10.25% |
NRE
| 1 year |
9.50% |
9.50% |
9.50% |
9.50% |
| Above 1 year but below 3 year |
9.50% |
9.50% |
9.50% |
9.50% |
| 3 year |
9.25% |
9.25% |
9.25% |
9.25% |
Loans
| |
upto 2 lakh |
above 2 lakh |
25 lakh |
| 1.4. Gold Loan for 3 months |
13% |
13% |
NA |
| for 6 months |
13% |
13% |
NA |
| 2. Housing Loan (Fixed Catogory) |
15% |
15% |
15% |
| 3. Business Loan (Vyapari Vyavasai) |
15% |
15% |
15% |
| 4. Vehicle Loan |
15% |
15% |
15% |
| 5. Personal Loan |
15% |
15% |
15% |
Various Processing Charges related to loans wef 15.1.2008
| Mortgage Loans |
Legal fee |
Land Inspection fee |
| Based on applied loan amount |
|
|
| up to 1 lakh |
150 |
250 |
| Above 1 lakh and upto 3 lakh |
250 |
350 |
| Above 3 lakh and upto 5 lakh |
300 |
500 |
| Above 5 lakh and upto 10 lakh |
400 |
100 per lakh Maximum 2000 |
| Above 10 lakh and upto 25 lakh |
500 |
|
| Above 25 lakh |
750 |
|
| Loan issue |
Stationery Charges |
| Loan amount upto 10000 |
Rs. 30 |
| Above 10000 & upto 25000 |
Rs. 60 |
| Above 25000 & upto 50000 |
Rs. 125 |
| Above 50000 & upto 2 lakh |
Rs. 250 |
| Above 2 lakh & upto 5 lakh |
Rs. 400 |
| Above 5 lakh & upto 25 lakh |
Rs. 1000 |
| Above 25 lakh |
Rs. 2500 |
Gold Loan
Insurance Charge: 0.50% of Loan amount/No. of months actually loan availed
* Not applicable for loans availed from 28.12.2010
Custody Charges of Gold: 1% of Market value of gold pledged subject to a minimum Rs. 10
(Loan account closed but ornament not released with in 3 days)
| Locker Rent |
Ordinary |
Medium |
Large |
| Rent Per Annum |
750 |
1000 |
1250 |
MICR Cheque Book Issue Charge
Saving Bank: 1 book containing 20 leaves free. Additional cheque book needed Rs 2 /leaf will be charged
Current/Overdraft Account: Re 1/leaf will be charged
| |
Inwords |
Outwards |
| Cheque Return Charges |
Rs. 100 |
Rs. 75 |
|
Cheque Collection Charges |
| MICR Clearing |
Nil |
| Instrument below Rs 10000 |
Rs. 50 + Postage |
| Rs. 10000 & above upto Rs 100000 |
Rs. 100 + Postage |
| Above Rs 100000 |
Rs. 150 + Postage |
|
DD MT Commission |
| Amount upto 1000 |
Rs 10 |
| 1000 & upto 5000 |
Rs 15 |
| 5000 & upto 10000 |
Rs 20 |
| Above 10000 upto 1 lakh |
Rs 2/1000 |
| Above 1 lakh |
Rs 20 for 10000 and Rs 1.5/1000 for balance |
|
DD Cancellation Charges |
| DD Amount upto 5000 |
Rs 25 |
| 5001 to 25000 |
Rs 40 |
| Above 25000 |
Rs 50 |
|
Revalidation of DD or Issue of Duplicate DD |
| DD Amount upto 1000 |
Rs 15 |
| Above |
Rs 25 |
|
Savings Account, Current Account |
| Handling charges for stop payment of cheques |
Rs 50 |
| Duplicate Pass Book Stationery Charges |
Rs 30 |
| Folio Charges for Current Account |
Rs 25 |
| Handling Charges for Account Closed before 1 year |
With Cheque Book |
Rs 50 |
Without Cheque Book |
Rs 25 |
|
Term Deposit |
| Stationary charges for Duplicate Deposit Receipt |
| Deposit amount below 50000 |
Rs 75 |
| 50000 & above |
Rs 100 |
|
Safe Custody Charges |
| Sealed Cover |
Rs 50 |
| Small Sealed Box |
Rs 100 |
| Large Sealed Box |
Rs 300 |
|
No Dues Certificate |
| Issued only to A Class Share Holders
|
| Stationary Charges |
Rs 25 |
|
