NATURE
|
RATE OF INTEREST
|
MINIMUM BALANCE
|
|
NORMAL
|
SENIOR CITIZEN
|
Rural
|
Semi Urban
|
Urban
|
ACCOUNT
|
|
|
|
|
|
1. Savings Bank A/c
|
A. Domestic
|
a. With cheque book facility
|
2.85
|
2.85
|
500.00
|
1000.00
|
2000.00
|
b. Without cheque book facility
|
2.85
|
2.85
|
500.00
|
1000.00
|
2000.00
|
c. Basic Savings Bank Deposit
Account
|
2.85
|
2.85
|
0.00
|
0.00
|
0.00
|
B. Non Resident
|
|
|
|
a. NRO
|
NA
|
b. NRE
|
|
2. Term Deposits
|
A. Domestic
|
Rate of Interest
|
Term Deposits (All Maturities)
|
Up to & including
` 15 Lakhs
|
For Deposits above `15 Lakhs but less than ` 1Crore
|
7 days to 14 days
|
3.25%
|
3.25%
|
15 days to 30 days
|
3.25%
|
3.25%
|
31 days to 45 days
|
3.25%
|
3.25%
|
46 days to 90 days
|
4.25%
|
4.25%
|
91 days to 179 days
|
4.25%
|
4.25%
|
180 days and above but less than 270 days
|
4.95%
|
4.95%
|
270 days and above but less than 1 year
|
5.75%
|
5.75%
|
1 year and above but less than or equal to 18 months
|
6.70%
|
6.70%
|
Above 18 months but less than or equal to 2 years
|
6.25%
|
6.25%
|
Above 2 years but less than or equal to 3 years
|
6.25%
|
6.25%
|
Above 3 years but less than or equal to 5 years
|
5.75%
|
5.75%
|
Above 5 years but less than or equal to upto 10 years
|
5.35%
|
5.35%
|
|
|
|
B. Non-Resident Accounts
|
|
a. NRO (All Maturities)
|
NA
|
b. NRE (All Maturities)
|
|
Rate of Interest
|
|
1 year &
above but < 2 years
|
2 years &
above but < 3 years
|
3 years &
above but < 4 years
|
4 years & above but < 5 years
|
For 5 years (Maximum)
|
c. FCNR(B)
|
NA
|
i) USD
|
ii) GBP
|
iii) EUR
|
iv) CAD
|
v) AUD
|
|
|
|
|
|
|
CHARGES
|
Fee Based Services
|
In Rs. Excluding GST
|
1. Lockers
|
|
|
Type
of Locker
|
Metro / Urban/
Semi Urban
|
Rural
|
|
|
|
1
yr
|
2
yrs
|
3
yrs
|
1
yr.
|
2
Yrs
|
3
Yrs.
|
|
SMALL
|
|
|
|
1200/-
|
2400/-
|
3600/-
|
|
Metro
|
2000/-
|
4000/-
|
6000/-
|
1500/-
|
3000/-
|
4500/-
|
|
Urban
|
1500/-
|
3000/-
|
4500/-
|
2500/-
|
5000/-
|
7500/-
|
|
Semi-Urban
|
1200/-
|
2400/-
|
3600/-
|
|
|
MEDIUM
|
|
|
|
|
Metro
|
3500/-
|
7500/-
|
10500/-
|
|
Urban
|
3000/-
|
6000/-
|
9000/-
|
|
Semi-Urban
|
1500/-
|
3000/-
|
4500/-
|
|
LARGE
|
|
|
|
|
Metro
|
6000/-
|
12000/-
|
18000/-
|
|
Urban
|
5000/-
|
10000/-
|
15000/-
|
|
Semi-Urban
|
2500/-
|
5000/-
|
7500/-
|
|
10 % Concession on advance rent payment of -3- years
|
|
|
2. Credit Cards
|
Not Available
|
Entrance Fees
|
-
|
Annual Fees
|
-
|
Add on Card
|
-
|
Service charges on outstanding balance
|
-
|
Cash withdrawal fees
|
-
|
Hot listing charges
|
-
|
Other Charges
|
-
|
|
|
3. Debit Cards
|
Rs. 200/- Annual Charges
|
International Debit Card
|
NA
|
|
|
|
|
4. Drafts/TT/MT
|
|
Issue
|
Up to Rs.10000/- Rs.100/-
Above Rs. 10000/- @ Rs.5.00 per Rs. 1000/-or part thereof subject to minimum Rs. 60/-& maximum Rs.15000/- plus cash handling charges
|
Cancellation
|
Rs. 100/-
|
5. Outstation cheque
collection
|
For individual & Non individual (Except Saving Bank Account Customer, Pensioner and Sr. Citizen Customer)
|
Up to Rs.10000/-
|
Rs. 50.00 per instrument
|
Above Rs.10000 upto Rs.1 lakh
|
Rs. 100/- per instrument
|
Above Rs.1 lakh upto Rs 5 lakh
|
Rs. 200/- per instrument
|
Above Rs.5 lakh upto Rs 10 lakh
|
Rs.225/- per instrument
|
Above Rs 10 lakh
|
Rs. 250/- per instrument
|
The above charges will be exclusive of courier charges, out of pocket expenses, etc.
|
Up to Rs.5000/-
|
Rs. 25
|
Above Rs.5000/- upto Rs.10000/-
|
Rs. 50
|
Above Rs.10000/-upto Rs.1 lakh
|
Rs. 100
|
Above Rs. 1 lakh
|
Rs. 150
|
For Pensioners and Sr. Citizens
|
Up to Rs. 10000/-
|
Rs 40/- per instrument
|
Rs. 10001 to Rs. 100000/-
|
Rs 80/- per instrument
|
Rs. 100001 and above
|
Rs 120/- per instrument
|
Outstation cheque return charges
|
50% of collection charges.
|
*The above charges will be exclusive of courier charges, out of pocket expenses, etc.
|
|
|
|
|
|
|
6. NEFT Money Transfer
|
Inward = 0.00
|
Outward =
Up to Rs. 10000/-
Above Rs 10000/- to 1 lakh
Above Rs 1 lakh to Rs. 2 lakh
Above Rs 2 lakh
|
Rs.2.25 per transaction Rs.4.75 per transaction Rs.14.75 per transaction Rs.24.75 per transaction
|
7. RTGS Money Transfer
|
Inward = 0.00
|
Outward
Upto 2 lakhs
Above Rs. 2 lakhs to Rs. 5 lakhs
Above Rs. 5 lakhs
|
NIL
Rs. 24.50/transaction
Rs. 49.50/- per transaction
|
8. Cheque return charges
|
Outward Returns
|
Inward Returns
|
For Savings Accounts
|
Upto Rs. 1.00 lakh
Above Rs.1 lakh/- upto Rs.1 crore Above Rs.1 crore
|
250/- 500/- 750/-
|
Upto Rs. 1.00 lakh
Above Rs.1 lakh/- upto Rs.1 crore Above Rs.1 crore
|
150/-
250/-
300/-
|
For Current, Overdraft Cash Credit Accounts
|
Dishonour of outstation
/ local bills & cheques
|
50% of collection charges subject to minimum of Rs 50/- plus postage charges.
|
9. Cheque Book Issue
|
(i)Savings Bank: -
· First Cheque book of 20 leaves for 6 months
· Second Cheque book of 20 leaves issued after 6 months
· Subsequent cheque book/s of 20 leaves each
|
NIL
NIL
Rs. 100/-
|
(ii)CA/CC/OD:-
· First cheque book of 50 leaves
· Subsequent cheque book/s of 50 leaves each:
|
NIL
Rs. 250/-
|
10. No Dues Certificate
|
i) First Certificate
ii) Second/Additional Certificate
|
NIL
Rs. 150/ copy
|