| S No. |
Area of Banking Service |
Service charges (exclusive of service tax) |
| I |
Opening & Minimum balances |
Quarterly average balances |
| |
Current Account & ICD |
(Amount in Rupees)
Metro |
Urban |
Semi-urban |
Rural |
| 5000 |
3000 |
2000 |
1000 |
|
| |
AB Premium Current Account |
(Amount in Rupees)
Metro |
Urban |
Semi-urban |
Rural |
| 1,00,000 |
1,00,000 |
1,00,000 |
1,00,000 |
|
| |
Savings Account with cheque book |
(Amount in Rupees)
Metro |
Urban |
Semi-urban |
Rural |
| 500 |
500 |
250 |
250 |
|
| |
Savings Account without cheque book |
(Amount in Rupees)
Metro |
Urban |
Semi-urban |
Rural |
| 250 |
250 |
250 |
100 |
|
| |
Abhaya Savings Account with cheque book |
(Amount in Rupees)
Metro |
Urban |
Semi-urban |
Rural |
| 500 |
500 |
500 |
300 |
|
| |
Abhaya Savings Account without cheque book |
(Amount in Rupees)
Metro |
Urban |
Semi-urban |
Rural |
| 300 |
250 |
250 |
150 |
|
| |
ASB Plus Account with cheque book |
(Amount in Rupees)
Metro |
Urban |
Semi-urban |
Rural |
| 500 |
500 |
500 |
400 |
|
| |
ASB Plus Account without cheque book |
(Amount in Rupees)
| Metro |
Urban |
Semi-urban |
Rural |
| 300 |
300 |
300 |
200 |
|
| |
Abhaya Gold Account |
(Amount in Rupees)
Metro |
Urban |
Semi-urban |
Rural |
| 1000 |
1000 |
1000 |
1000 |
|
| |
AB Jeevan Abhaya
Age 18 – 35 years
Age 36 – 50 years
Age 51 – 55 years |
(Amount in Rupees)
Age in Years |
Metro |
Urban |
Semi-urban |
Rural |
| 18 – 35 |
1000 |
750 |
750 |
750 |
| 36 – 50 |
1000 |
1000 |
1000 |
1000 |
| 51 – 55 |
1000 |
1000 |
1000 |
1000 |
|
| |
AB Kiddy Bank |
(Amount in Rupees)
Metro |
Urban |
Semi-urban |
Rural |
| 150 |
150 |
150 |
150 |
|
| |
AB Easy Savings account (No-frills account) |
(Amount in Rupees)
| Metro |
Urban |
Semi-urban |
Rural |
| 5 |
5 |
5 |
5 |
|
| |
|
|
| II |
Charges for not maintaining of minimum balances |
| |
Current Account & ICD |
Rs.200/- per quarter at all centres |
| |
AB Premium Current Account |
Rs.400/- per quarter at all centres |
| |
Savings group accounts except AB Super Salary and AB Easy Savings accounts |
Rs.50/- per quarter at Rural Centres and Rs.100/- per quarter at other centres |
| |
AB Super Salary account |
Rs.150/- per quarter at all centres |
| |
|
|
| III |
Closure of accounts |
| |
Savings group accounts except AB Easy Savings accounts |
| Particulars |
Non-individuals |
Individual |
Pensioner / Sr. Citizen /Individual in Rural Areas |
| Within one year of opening |
Rs.200/- |
Rs.150/- |
Rs.100/- |
| After one year of opening |
Rs.100/- |
Rs.80/- |
Rs.60/- |
Rs.3/- per cheque leaf (if charges are not levied at the time of issue of cheque book) |
| |
Current Account group |
| Particulars |
Non-individuals |
Individual |
Pensioner / Sr. Citizen / Individual in Rural Areas |
| Within one year of opening |
Rs.500/- |
Rs.350/- |
Rs.250/- |
| After one year of opening |
Rs.300/- |
Rs.200/- |
Rs.150/- |
Rs.3/- per cheque leaf (if charges are not levied at the time of issue of cheque book) |
| |
Premature closure of RD accounts within 6 months |
RD General accounts
Rs.10/- where the balance outstanding is less than Rs,100/-
Rs.20/- where the balance ranges between Rs.100/- to Rs.1000/-
Rs.50/- where the balance outstanding is more than Rs.1000/-
AB RD PLUS
0.50% on the balance outstanding subject to a minimum of Rs.50/- and maximum of Rs.500/- |
| |
|
|
| IV |
Issuance of duplicate statements / passbooks |
Duplicate statement / passbook with latest balance
Rs.15/- For Statement and Rs.15/- for Passbook
Duplicate statement / passbook with previous entries
Rs.25/- for each 40 entries for Statements
Rs.75/- plus additional Rs.50/- per bunch of every 40 entries for Passbooks |
| |
|
|
| V |
Cheque book issuance charges |
Savings group accounts
25 leaves free in a year (from the date of opening)
Rs.2.50 per leaf thereafter
Current account & ICD
No free cheque book. Rs.3/- per leaf
AB Premium Current Account
No charges |
| |
|
|
| VI |
Stop payment instructions |
| Particulars |
Non-individuals |
Individual |
Pensioner / Sr. Citizen / Individual in Rural Areas |
| Per cheque |
Rs.60/-
(Max. Rs.250/- for multiple cheques at a time) |
Rs.55/-
(Max. Rs.225/- for multiple cheques at a time) |
Rs.50/-
(Max. Rs.200/- for multiple cheques at a time) |
|
| |
|
|
| VII |
Standing instructions |
Noting of standing instructions – Rs.25/-
Within same branch – No charge
Inter-Bank and Intra-Bank (outside city) – Remittance charges plus out-of-pocket expenses.
Non-execution of standing instruction due to insufficient balance in the account – Rs.100/-
Re-noting of standing instructions – Rs.100/- |
| |
|
|
| VIII |
Inoperative accounts |
Savings accounts
If minimum balance stipulated is maintained – NIL
Balance is less than Rs.50/-: Account will be closed and balance will be appropriated under advice to the accountholder at his last recorded address.
Balance Rs.51/- to Rs.100/-: Rs.50/- per year under advice to the accountholder at his last recorded address
Balance above Rs.100/-: NIL
Current account group
If minimum balance stipulated is maintained – NIL Balance is less than Rs.100/-: Account will be closed and balance will be appropriated under advice to the accountholder at his last recorded address.
Balance Rs.101/- to Rs.500/-: Rs.100/- per year
Balance Rs.501/- to Rs.2500/-: Rs.50/- per year
Balance above Rs.2500/-: Rs.20/- per year |
| |
|
|
| IX |
Issuance of Balance Certificate |
Rs.100/- per certificate |
| |
|
|
| X |
Issuance of interest certificate |
No charges |
| |
|
|
| XI |
Enquiries relating to Old records (more than 12 months old) |
| Non-individual |
Individual |
Pensioner / Sr. Citizen /Individual in Rural Areas |
| Rs.115/- per item |
Rs.110/- per item |
Rs.100/- per item |
|
| |
|
|
| XII |
Record copy of cheque / other instruments |
| Non-individual |
Individual |
Pensioner / Sr.Citizen/ Individual in Rural Areas |
| Rs.100/- per item |
Rs.100/- per item |
Rs.100/- per item |
|
| |
|
|
| XIII |
Penal charges delayed payment of instalments in RD accounts |
10 paise for instalment of Rs.10/- per month in multiples thereof irrespective of period of deposit |
| |
|
|
| XIV |
CBS operations Inter-SOL charges |
For Savings and Current Account groups |
| |
Cash Deposit (by self) |
Upto Rs.50000/- (max.): Free |
| |
Cash Deposit (by others) |
Upto Rs.1000/- (min.): Rs.10/-
Rs.1001 to less than Rs.50000/- (max.): Rs.2/- per thousand with minimum of Rs.10/- |
| |
Cash withdrawal |
For self cheques (Customer to be present) upto Rs.50000/-: Free |
| |
Transfer of funds (non-cash transactions) |
Upto Rs.1.00 lacs: Free
Rs.1.00 lac and above: Rs.50/- per transaction |
| |
Issuance of DDs / Pos |
Applicable service charges will be collected |
| |
Deposit of clearing instruments at non-home branch, drawn on other banks |
Savings group accounts: Free
Current account group: Upto Rs.1.00 lac – NIL
Rs.1.00 lac and above – Rs.50/- per instrument |
| |
|
|
| XV |
Cash handling charges |
For CD and ODCC accounts only
Upto one bundle: NIL
More than one bundle: Rs.100/- per bundle (max. Rs.10000/-) |
| |
|
|
| XVI |
Collection of cheques / bills |
| |
Collection of outstation cheques |
Upto Rs.10000/-: Not exceeding Rs.50/- per instrument.
Rs.10000/- to Rs.1.00 lac: Not exceeding Rs.100/- per instrument
Rs.1.00 lac and above: Not exceeding Rs.150/- per instrument
In case of cheques drawn on other banks, other bank charges plus 50% of the charges mentioned above. |
| |
Collection of local cheques |
Current account group
Non-individual |
Individual |
Pensioner / Sr. Citizen / Individual in Rural Areas |
| Rs.100/- |
Rs.80/- |
Rs.60/- |
Savings group accounts
Non-individual |
Individual |
Pensioner /Sr. Citizen /Individual in Rural Areas |
| Rs.50/- |
Rs.35/- |
Rs.30/- |
|
| |
Collection of outward / inward bills |
Bill amount
Upto Rs.1000/-: Rs.60/- plus out-of-pocket expenses
Above Rs.1000/- upto Rs.5000/-: Rs.80/- plus out-of-pocket expenses
Above Rs.5000/- upto Rs.10000/-: Rs.100/- plus out-of-pocket expenses
Above Rs.10000/- upto Rs.1.00 lac: Rs.9/- per thousand or part thereof subject to a minimum of Rs.100/- plus out-of-pocket expenses
Above Rs.1.00 lac upto Rs.10.00 lacs: Rs.8/- per thousand or part thereof subject to a minimum of Rs.900/- plus out-of-pocket expenses
Above Rs.10.00 lacs: Rs.7/- per thousand or part thereof subject to a minimum of Rs.8000/- plus out-of-pocket expenses |
| |
Collection of deposit receipts |
Bank’s own deposit receipts: No charges
Other Bank’s deposit receipts: If the proceeds are placed with our bank as deposit for a minimum period of 3 months, services charges are waived. Otherwise, usual charges for collection of outstation instruments are applicable. |
| |
Speed clearing charges |
Rs.1.00 lac: Free
Above Rs.1.00 lac: Rs.150/- per instrument |
| |
Return charges for cheques presented in speed clearing |
Upto Rs.10000/-: Rs.50/-
Rs.10000/- to Rs.1.00 lac: Rs.100/-
Above Rs.1.00 lac: Rs.150/- |
| |
|
|
Service (Processing) charges for Local clearing (by clearaing houses from member banks)
|
| S No |
System |
Existing (Rs.) |
Charges to be collected w.e.f. 01.04.2011 (Rs.) |
| |
|
Presenting Bank |
Drawee Bank |
Presenting
Bank |
Drawee Bank |
| 1 |
Clearing at MICR – CPCs |
-- |
-- |
1.00 |
1.50 |
| 2 |
Cheque truncation |
-- |
-- |
0.50 |
1.00 |
|
|
Revision in Service Charges for Cheque Collection – Outstation and Speed Clearing and Minimum Balance Service Charges on Inoperative Accounts
with effect from 20. 07. 2011.
a. Service charges for Outstation Cheque Collection
|
|
S No
|
Value
|
Existing charges (Rs.)
|
Value
|
Revised Charges (Rs.)
|
|
|
|
Service charge for Savings customers
|
Service charge for other customers
|
|
Service charge for Savings customers
|
Service charge for other customers
|
|
1
|
Upto and including Rs.5000
|
25
|
50
|
Upto and including Rs.5000
|
25
|
50
|
|
2
|
Above Rs.5000 and upto and including Rs.10000
|
50
|
50
|
Above Rs.5000 and upto and including Rs.10000
|
50
|
50
|
|
3
|
Above Rs.10000 and upto and including Rs.100000
|
100
|
100
|
Above Rs.10000 and upto and including Rs.100000
|
100
|
100
|
|
4
|
Above Rs.100000
|
150
|
150
|
Above Rs.100000
|
Rs.2/- per ‘000 with a maximum of Rs.3000/-
|
|
| b. Service charges for Cheque Collection under Speed Clearing (By Collecting Banks from customers) |
|
S No
|
Value
|
Existing charges (Rs.)
|
Value
|
Revised Charges (Rs.)
|
|
|
|
Service charge for Savings customers
|
Service charge for other customers
|
|
Service charge for Savings customers
|
Service charge for other customers
|
|
1
|
Upto and including Rs.100000
|
NIL
|
NIL
|
Upto and including Rs.100000
|
NIL
|
NIL
|
|
2
|
Above Rs.100000
|
150
|
150
|
Above Rs.100000
|
Rs.1.50 per ‘000 with a maximum of Rs.2000/-
|
|
|
The above service charges are inclusive of all charges i.e. postal, courier, handling, etc. and other bank charges. However, Service Tax shall be extra at prevailing rates.
c. Minimum Balane Service Charges on Inoperative Accounts
|
|
Type of the account
|
Existing charges
|
Revised charges
|
|
Savings Accounts
|
NIL
|
Rs.50/- per quarter in Rural areas and Rs.100/- per quarter in all other areas.
|
|
Current Accounts
|
NIL
|
Rs.200/- per quarter in all areas
|
|
|
Service Tax shall be extra at prevailing rates.
The existing system of levying inoperative service charges on inoperative accounts shall be stopped w. e. f. 20.07.2011.
|
| |
|
| XVII |
Cheque return charges |
| |
Cheques returned unpaid |
Rs.100/- plus other bank charges if any plus out-of-pocket expenses. |
| |
Cheques return – inward (cheques received for payment) due to insufficient funds in the account (Local and Non-local) |
Upto Rs.20000/-
Current accounts
Non-individual – Rs.100/- Individual – Rs.75/- Pensioners, Senior Citizens and individuals in Rural areas – Rs.50/-
Savings accounts
Non-individual – Rs.75/- Individual – Rs.60/- Pensioners, Senior Citizens and individuals in Rural areas – Rs.40/-
Above Rs.20000/-
Current accounts
Non-individual – Rs.200/- Individual – Rs.150/- Pensioners, Senior Citizens and individuals in Rural areas – Rs.100/-
Savings accounts
Non-individual – Rs.100/- Individual – Rs.80/- Pensioners, Senior Citizens and individuals in Rural areas – Rs.60/- |
| |
ECS registration |
Rs.100/- |
| |
Payment by ECS |
Free |
| |
ECS return |
Rs.100/- per each debit return |
| |
|
|
| XVIII |
Remittances |
| |
Transfer of funds by RTGS and NEFT (all types of transactions including inter-bank transfer of funds |
Inward transactions
RTGS / NEFT / ECS transactions: NIL
Outward Transactions
The Minimum amount to be sent throgh RTGS is Rs. 2.0Lakhs.
RTGS:
Rs.2 lakh to Rs.5 lakh: not exceeding Rs.25 per transaction.
Above Rs. 5 lakh: not exceeding Rs. 50 per transaction.
NEFT:
For transactions up to Rs. 1 lakh: not exceeding Rs. 5 (+ Service Tax)
For transactions above Rs. 1 lakh and up to Rs. 2 lakhs: not exceeding Rs 15 (+ Service Tax)
For transactions above Rs. 2 lakhs: not exceeding Rs. 25 (+ Service Tax)
|
| |
Issuance of DDs / POs |
| Particulars |
Non-individual |
Individual |
Pensioner /Sr. Citizen /Individual in Rural Areas |
| Upto Rs.1000/- |
Rs.30/- |
Rs.20/- |
Rs.15/- |
Rs.1000/- upto
Rs.5000/- |
Rs.30/- |
Rs.25/- |
Rs.20/- |
Rs.5000/- upto
Rs.10000/- |
Rs.30/- |
Rs.30/- |
Rs.25/- |
Rs.10000/- upto
Rs.1.00 lac |
Rs.2.50 per thousand or part thereof min. Rs.30/- |
Rs.2.25 per thousand or part thereof min. Rs.30/- |
Rs.1.75 per thousand or part thereof min. Rs.25/- |
| Rs.1.00 lac upto Rs.10.00 lacs |
Rs.2.25 per thousand or part thereof min. Rs.250/- |
Rs.2.00 per thousand or part thereof min. Rs.225/- |
Rs.1.50 per thousand or part thereof min. Rs.175/- |
| Rs.10.00 lacs upto Rs.50.00 lacs |
Rs.2.00 per thousand or part thereof min. Rs.2250/- max. Rs.20000/- |
Rs.1.50 per thousand or part thereof min. Rs.2000/- max. Rs.18000/- |
Rs.1.25 per thousand or part thereof min. Rs.1500/- max. Rs.15000/- |
For Telegraphic Transfer Rs.50/- extra |
| |
Cancellation of DD / PO |
Rs.100/- per instrument |
| |
Issuance of duplicate DD / PO |
Rs.100/- per instrument |
| |
Revalidation of DD / PO |
Rs.100/- per instrument |
| |
Signature verification (per attestation) |
| Non-individual |
Individual |
Pensioner /Sr. Citizen /Individual in Rural Areas |
| Rs.100/- per item |
Rs.100/- per item |
Rs.100/- per item |
|
| |
No dues certificate |
Weaker sections: No charges Others:
Non-individual |
Individual |
Pensioner /Sr. Citizen /Individual in Rural Areas |
| Rs.150/- |
Rs.125/- |
Rs.100/- |
|
| |
|
|
| XIX |
Ledger Folio charges |
On quarterly basis |
| |
Current Deposit, Cash Credit and Overdraft Accounts |
Rs.80/- per folio of 40 entries or part thereof
| Average Credit balance |
Free entries allowed per year |
| Upto Rs.25000/- |
NIL |
| Above Rs.25000/- upto Rs.50000/- |
60 entries |
| Above Rs.50000/- upto Rs.1.00 lac |
100 entries |
| Above Rs.1.00 lac upto Rs.2.00 lacs |
400 entries |
| Above Rs.2.00 lacs |
No charges |
For C & IF advance accounts: No free entries |
| |
Savings group accounts |
No charges |
| |
|
|
| XX |
Safe Custody charges |
| Category |
Charges |
| Scrips |
Rs.500/- per scrip per annum |
| Sealed cover |
Rs.500/- per sealed cover per annum or part thereof |
| Sealed boxes |
20x20x20 cm – Rs.500/- p.a.
30x30x30 cm – Rs.600/- p.a. |
| Bank’s own deposit receipts |
No charges |
|
| |
|
|
| XXI |
Addition / deletion of joint names in all Deposit accounts |
Rs.100/- |
| |
|
|
| XXII |
Changes in operation instructions, power of attorney, Board resolution, etc. |
Rs.100/- |
| |
|
|
| XXIII |
ATM / Debit Cards |
Rs.37.50/- on all ATM / Debit Cards as Half year Maintenance charges from 2nd year onwards. |
| |
|
|
| XIV |
Penal charges for excess debit entries in Savings Bank |
No charges |
| |
|
|
| XV |
Updation of passbook at non-home branches |
No charges |
| |
|
|
| XVI |
Rents on Safe Deposit Lockers |
| Locker Type |
Size (Breadth x Height)
Depth (517 mm) |
Metro |
Urban |
Semi-urban
& Rural |
| Type A (A to D) A&A1 |
115 x 150 |
1000 |
900 |
750 |
| B |
148 x 184 |
1100 |
950 |
800 |
| C |
115 x 330 |
1150 |
1000 |
900 |
| D |
178 X 238 |
1250 |
1100 |
1000 |
Type B
(E to G) E & H1 |
148 x 401 |
2000 |
1500 |
1300 |
| F |
266 X 320 |
2200 |
1800 |
1600 |
| G |
178 X 506 |
2500 |
2000 |
1800 |
| Type C (H to M) H |
|
|
|
|
|