| Description of Charges | Plus Current Account |
|---|---|
| Current Accounts with Cheque facility | |
| Minimum Balance (Average Quarterly Balance) | Rs. 1,00,000/- |
| Charges for non maintenance thereof per Quarter | If upto Rs.50,000/- - Rs.1,500/- & If below Rs.50,000/- - Rs.6,000/- |
| Other Current Account facilities | |
| Issue of Duplicate / Adhoc Statement | Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 50 per statement through Phonebanking (IVR), Netbanking, ATM, Mobilebanking. |
| Mode of calculation of minimum average quarterly balance | Sum of Daily Closing Balance for financial quarter / Number of days in the Qtr |
| Remittance facility through own Bank | |
| Effective 1st July 2006, up to 100 cheque leaves issuance FREE per month. Issuance in excess of above will be charged @ Rs.2/- per cheque leaf issued. For accounts not maintaining AQB free limit is not applicable & the same is charged @ Rs.2/- per cheque issuance. | - |
| Demand Drafts - Issued payable at BRANCH Locations & Issued from Home Branch / Duplicate DD | - |
| Demand Drafts payable at Mumbai, Delhi, Kolkata, Chennai, Ahmedabad, Bangalore, Hyderabad, Trivandrum, Chandigarh, Bhopal, Nagpur, Jaipur, Bhubaneshwar, Kanpur, Patna & Guwahati | FREE |
| Demand Drafts payable at any Other Branch locations | FREE upto Rs.10 lacs per day per account. Above which full amount will be charged @ Rs.0.50 per Rs.1,000/-, min Rs.25/- max Rs.5,000/-. Effective 1st July 2006, Free up to a total of Rs.50 lacs per month, incremental to be charged @ Rs.0.25 p |
| For accounts not maintaining Average Quarterly Balance | Charges @ Rs.0.25 per Rs.1,000, minimum Rs.25/-, maximum Rs.5,000 |
| Demand Drafts - Issued payable at BRANCH Locations & Issued from Non-Home Branch / Duplicate DD | Rs.0.50 per Rs.1,000, min Rs.25/- |
| Issuance of DD/ PO through PhoneBanking | Rs. 25 **Only DD amount upto Rs 300,000 for Current Plus Accountholders accepted at Phonebanking. All standard charges for DD are applicable as above. |
| DD-Cancellation/Revalidation | Rs.50/- |
| Pay Orders Issued from HOME Branch / Duplicate PO | FREE. Effective 1st July 2006, Free up to 25 Pay Orders per month, incremental to be charged @ Rs.0.50 per Rs.1,000, minimum Rs.25/-, maximum Rs.5,000/- |
| Pay Orders Issued from NON-HOME Branch / Duplicate PO | Rs.0.50 per Rs.1,000, minimum Rs.25/-, maximum Rs.5,000/- |
| For accounts not maintaining Average Quarterly Balance | Charges @ Rs.0.50 per Rs.1,000, minimum Rs.25/-, maximum Rs.5,000/- |
| PO-cancellation/Revalidation | Rs.50/- |
| Inter-city funds transfer within Branch locations except Dahej - includes both collection & payment in the accounts | Free upto Rs.1 Crore per month, incremental to be charged @ Rs.0.50 per Rs.1,000/-, includes cash & non-cash transactions |
| EFT Charges- inward | FREE |
| EFT Charges- outward | FREE |
| RTGS-Outward | Rs.0.25 per Rs.1,000/- per transaction, minimum Rs.50/-, maximum Rs.1,000/- |
| RTGS-Inward | FREE |
| Remittance facility through other Bank | |
| DD- Issue / Duplicate DD | Rs.2.50 per Rs.1000/- Minimum Rs.50/- |
| DD-Cancellation / Revalidation | Rs.50/- |
| Cheque Collection | |
| Local | FREE. Effective 1st July 2006, Up to 300 cheque deposits per month FREE. Cheque Deposits in excess of above will be charged @ Rs.5/- per cheque deposit. For Accounts not maintaining AQB Rs.5/- per cheque deposit. |
| Outstation through own bank | FREE, Effective 1st July 2006, Courier Charge of Rs.10/- per cheque, subject to realisation of funds |
| Outstation through another bank | 0.40% (minimum Rs.25/-) + courier charge Rs.25/-, Credit on receipt of clear funds |
| Bouncing of cheques- Local | - |
| Cheques Drawn on us | - |
| Due to Insufficient Funds | Rs.300/- per Instrument |
| Accounts not maintaining AQB as of previous quarter | Rs.350/- per Instrument |
| Due to Technical Reasons | No Charge |
| Cheques Deposited Returned Unpaid | - |
| Local | Rs.50/- per Instrument |
| Accounts Not maintaining AQB as of Previous Quarter | Rs.100/- per Instrument |
| Bouncing of cheques- outstation- through own bank | Rs.100/- per Instrument |
| Bouncing of cheques- outstation- through another bank | Rs.100/- per Instrument |
| Cash Transactions | |
| Cash Deposits | Cash Deposit upto Rs.10 lacs per month allowed Free at Home Branch. Deposits in excess of above will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. For accounts not maintaining AQB Free limits are Not Applicable. Cash Deposits at Non-Home Branch is NOT allowed. |
| Miscellaneous | |
| Balance enquiry | Rs.25/- |
| Balance Certificate | Rs.50/- |
| Interest Certificate | Rs.50/- |
| Account closure | Upto 14 days - No charge 15 days upto 6 months - Rs 100/- Above 6 months - No charge |
| Photo attestation | Rs. 50/- |
| Signature attestation | Rs.50/- |
| Stop Payment Charges | Particular Cheque:- Rs. 50/- (Rs.40/- through PhoneBanking) & Range of Cheques:- Rs. 100/- (Rs. 80/- through PhoneBanking) & FREE through Net Banking |
| Inoperative account | Activation of Dormant/inoperative account Rs. 100/- |
| Phonebanking - IVR | Free |
| Phonebanking - Non IVR | Free |
| Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive | |
| ECS (Debit) Return Charges | Rs 200 (plus taxes) |