Report A
(Amount Rs. in Lakhs)
| Particulars | Proposed Charges (w.e.f 01st July 2018) |
|---|---|
| 1. CHEQUE RETURN CHARGES | |
| I/w Chq. Return Charges | Rs. 150/- or 15% of Cheque Amt. p.d. with maximum cap of Rs. 500/- whichever is Higher + GST |
| O/w Chq. Return Charges | Rs.75/- + GST |
| ECS Debit Return Charges | Rs.75/- + GST |
| ECS Credit Return Charges | Rs. 150/- or 15% of Cheque Amt. p.d. with maximum cap of Rs. 500/- whichever is Higher + GST |
| ACH DR / CR Return Charges | Rs. 150/- or 15% of Cheque Amt. p.d. with maximum cap of Rs. 500/- whichever is Higher + GST |
| ABPS DR / CR Return Charges | Rs. 150/- or 15% of Cheque Amt. p.d. with maximum cap of Rs. 500/- whichever is Higher + GST |
| 2. CHEQUE BOOK CHARGES | |
| Particulars | Proposed Charges |
| Saving A/c's Cheque book | Rs. 1.50 per Cheque after utilisation of 50 Cheques p.a.+ GST |
| Current, C.C & OD A/c's Cheque book | Rs.2.50 per Cheque + GST |
| 3. PAY-ORDER CHARGES (by Cheque) : | |
| Particulars | Proposed Charges |
| Up To Rs. 5,000/- | Rs.35/- + GST |
| Above Rs. 5,000/- to Rs. 10,000/- | Rs.50/- + GST |
| Above Rs. 10,000/- | Rs. 100/- or 0.25% of amount, whichever is higher with maximum cap of Rs. 1000 + GST |
| 4. DEMAND DRAFTS (HDFC BANK) CHARGES (by Cheque) : | |
| Particulars | Proposed Charges |
| Up To Rs. 5,000/- | Rs.35/- + GST |
| Above Rs. 5,000/- to Rs. 10,000/- | Rs.35/- + GST |
| Above Rs. 10,000/- to Rs. 1 lac | Rs. 100/- or 0.25% of amount, whichever is higher |
| Above Rs. 1 lacs | 0.25% of amount, whichever is higher with maximum cap of Rs. 1000 + GST |
| DD/PO By Cash below Rs. 50,000/- only (In case of Cancellation refund will not be made in cash) | |
| Upto Rs.10,000/- | Rs.100/- + GST |
| Rs.10,000/- to Rs.49,000/- | Rs.150/- + GST |
| If party deposited Cash in their A/c and requires DD/PO on same day. | Rs.2.00 per 1000 + GST |
| 5. RTGS/NEFT, IMPS & TAX REMITTANCE CHARGES | |
| Particulars | Proposed Charges |
| Upto Rs. 2 lacs | Rs.25/- + GST |
| Above Rs. 2 lacs | Rs.50/- + GST |
| To avail concession in the above charges party has to maintain an average credit balance of Rs. 2.00 lacs in the account. | |
| Tax Remittance (Per Transaction) | Rs.75/- + GST |
| IMPS - Credit | Nil |
| IMPS – Debit (upto Rs. 25,000/-) | Rs. 5/- + GST |
| 6. FIBC Charges: | |
| Particulars | Proposed Charges |
| FIBC | Actual Charges Debited by HDFC Bank + Our Charges – 100% of HDFC Actual Charges |
| Above Rs. 2 lacs | Rs.50/- + GST |
| 7. IBC/OBC Charges: | |
| Particulars | Proposed Charges |
| Upto Rs 10,000/- | Rs.100/- + GST + DD Comm+Postage Chrgs |
| Above Rs 10,000/- | Rs.150/- + GST + DD Comm+Postage Chrgs |
| 8 OTHER MISCELLENIOUS CHARGES : | |
| Particulars | Proposed Charges |
| Folio Charges (½ Yearly) | Rs. 10/- per Page + GST |
| Stop Payment Charges (SB A/c's) | Rs. 100/- + GST per instrument, with maximum cap of Rs. 1000/- |
| Stop Pmt.Charges of Cheques other than SB / DD / PO | Rs. 150/- + GST per instrument, with maximum cap of Rs. 1500/- |
| Stop Payment Revocation Charges | Rs. 200/- + GST per instrument, with maximum cap of Rs. 1500/- |
| Cash Deposit Charges | To be discussed |
| Late Cash Deposit | Rs. 100/- + GST per Transaction |
| * Minimum Balance – SB A/c's | Rs. 25/- + GST per Month |
| * Minimum Balance – CA | Rs. 100/- + GST per Month |
| A/c Close Charges – SB A/c's | Rs.100/- + GST |
| A/c Close Charges – CA A/c's | Rs 200/- + GST |
| A/c Close Charges – CC/OD A/c's | Rs. 200/- + GST |
| Duplicate Statement Charges | Rs. 20/- per Page + GST |
| Duplicate Pass Book Charges | Rs. 50/- + GST |
| Addition/Deletion of name in A/c's | Rs. 50/- + GST |
| Duplicate Debit Card Charges | Rs. 200/- + GST |
| Duplicate PIN for Debit Card Charges | Rs. 60/- Incl. of GST |
| SMS Charges At the beginning of every Qtr. |
Rs. 15/- + GST |
| Share Transfer Charges | Rs. 150/- + GST |
| Duplicate Share Certificate Chrgs | |
| a. Upto Share holding of 100 Shares | Rs. 50/- + GST |
| b. Above Share Holding of 100 Shares | Rs. 50/- + GST |
| Signature Verification Charges | Rs. 75/- + GST |
| Mandate Signature Verification Charges | Rs. 75/- + GST |
| Certificate Charges | Rs. 75/- + GST |
| Charges for Bills drawn against LC | Rs. 1400/- + GST |
| LOAN PROCESSING CHARGES | |
|---|---|
| Particulars | Proposed Charges (w.e.f 01st July 2018) |
| For C.C (Hyp), Mortgage OD (Fresh/Adhoc) | |
| Upto Rs.25,000/- | Rs.150/- + GST |
| Rs.25000/- to Rs.2 lacs | Rs.750/- + GST |
| Above Rs.2 lacs to Rs.10 lacs | 0.50 % + GST |
| Above Rs.10 lacs to Rs. 1.00 Crore | 0.75% with maximum of Rs.75,000/- + GST |
| Above Rs. 1.00 Crore | 0.50% with maximum of Rs.75,000/- + GST |
| For LAP Policy | 0.50% of limit with maximum cap of Rs. 25,000/- + GST |
| Renewal of Existing Facilities | 0.50% of limit with maximum cap of Rs.2.00 lacs + GST |
| For Term Loans : | Rs. 250/- or 1% of limit, whichever is higher with maximum cap of Rs. 2.00 lacs + GST |
| For Education Loan : | |
| Studies in India | |
| a) Upto Rs. 5.00 lacs | Rs.500/- + GST |
| b) Above Rs. 5.00 lacs | Rs.500/- + GST |
| Studies Abroad | |
| a) Upto Rs. 5.00 lacs | 0.75% + GST |
| b) Above Rs. 5.00 lacs | 0.75% + GST |
| Gold Loan (OD/TL) | Rs 750/- + GST |
| Loan Against LIC/NSC/KVP/IVP/RBI Bond (Fresh/Enhancement) | |
| For Term Loans | Rs.150/- + GST |
| For OD Limit | Rs.150/- + GST |
| Branches to collect processing charges alongh with application of Fresh proposal | |
| Upto Rs.1 lacs | Rs.100/- + GST |
| Above Rs.1 lacs to Rs.2 lacs | Rs.600/- + GST |
| Above Rs.2 lacs to Rs.5 lacs | Rs.1200/- + GST |
| Above Rs.5 lacs to Rs.10 lacs | Rs.2000/- + GST |
| Above Rs.10 lacs to Rs. 15 lacs | 0.50% of limit + GST |
| Above Rs. 15 lacs | 0.50% of limit with maximum cap of Rs. 25,000/- + GST |
| These charges collected while forwarding the proposal to Head Office are refundable by 50% if the proposal is declined & Non-Refundable if the applicant do not wish to avail the limit for any reason. | |
| VETTING DOCUMENTS : | |
| Particulars | Proposed Charges |
| Vetting of Documents | Rs.1500 + GST per loan a/c (irrespective of amt of loan) |
| Documents for all Loans/Advances to be vetted except those against Bank's own deposit/LIC/NSC/KVP/IVP/RBI Bond etc. | |
| TRADE CERTIFICATE CHARGES : | |
| Particulars | Proposed Charges |
| For Vehicle Loans | Rs.750/- + GST |
| Cash Deposit Charges | To be discussed |
| 12. INSPECTION CHARGES : | |
| Particulars | Proposed Charges |
| Limit upto Rs.25,000/- | Rs.150/- + GST |
| Above Limit Rs.25,000 to Rs.2 lacs | Rs.800/- + GST |
| Above Limit Rs.2 lacs to Rs.10 lacs | Rs.1000/- + GST |
| Above Limit Rs.10 lacs | Rs.1500/- + GST |
| Conveyance charges, if any to be added along with the above Inspection Charges. | |
| MORTGAGE CHARGES PREPARED BY ADVOCATE : | |
| Particulars | Proposed Charges |
| Extension of Mortgage to existing Loan | Rs.2500/- + GST |
| Handling Chrgs for submitting letter of Intimation of Mortgage to Reg. Office | Rs.1000/- + GST |
| NOTICE OF DEFAULTERS : | |
| Particulars | Proposed Charges |
| Notice by Branch | Actual Postage Charges + Out of Pocket Charges |
| Legal Notice by Advocate | Actual Postage Charges + Out of Pocket Charges |
| SOLVENCY CERTIFICATE CHARGES : | |
| Particulars | Proposed Charges |
| Upto Rs.5 lacs | Rs.550/- + GST |
| Above Rs.5 lacs to Rs.10 lacs | Rs.1500/- + GST |
| Above Rs.10 lacs to Rs.50 lacs | Rs.2000/- + GST |
| Above Rs.50 lacs | Rs.2500/- + GST |
| BANK GUARANTEE COMMISSION - Our Bank's BG (Only Financial BG's) | |
| Particulars | Proposed Charges |
| BG with 100% Margin | 1% + GST p.a. + Handling Charges of Rs. 50/- |
| BG with less than 100% Margin | 4% + GST p.a. + Handling Charges of Rs. 50/- |
| To be charged annually. If period is less, same to be treated as a Quarter. (i.e : If BG is for 6 Mths, to be charged for 2 Qtrs & if BG is for 7 Mths, to be charged for 3 Qtrs) |
|
| Please refer to HO Letter Ref. No. HO\ADV\2016-17\481, dated 24.01.2016 for BG issued from BOB, Bhandup Branch. | |
| ASSIGNMENT OF LIC POLICY/NSC/KVP/IVP/RBI BOND | |
| Particulars | Proposed Charges |
| LIC Assignment | Rs.100/- + GST per policy plus Postage/Conveyance |
| LIC Reassignment | Rs.100/- + GST per policy plus Postage/Conveyance |
| NSC/KVP/IVP/RBI BOND | Rs.50/- + GST per policy plus Postage/Conveyance |
| CIBIL Charges | |
| Consumer Data | Rs. 250/- + GST |
| Commercial Data | Rs. 1500/- + GST |
| CRESAI Charges | |
| CERSAI Charges | Rs. 500/- + GST |
Incase violation of minimum balance in saving and current accounts system will charge fix amount (mentioned above) for default cases in next consecutive of month.