Free Call To Us:
0721 2563440
Abhinandan Urban Co-op. Bank Ltd., Amravati |
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| Service Charges w.e.f. Date 15/12/2022 | |||||||||||||||||
| BOD Meeting Dt. 11/11/2022 Resolution No. 18(4) | |||||||||||||||||
| No. | Description | Charges Applicable + GST Extra | |||||||||||||||
| 1 | Issue of Demand Draft / Pay Order / Bankers / Cheque | ||||||||||||||||
| A) | Our Branches Up to Rs. 10,000/- Above Rs. 10,000/- |
By transfer Or by Cash Rs. 40/- ( Rs. 40/- + 2 Rs. Per thousand) |
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| B) | HDFC Bank / IDBI Bank Up to Rs. 10,000/- Above Rs. 10,000/- |
Rs. 40/- (Rs. 40/- + 2 Rs. Per thousand) |
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| C) | NEFT Up to Rs. 2 Lakh |
Rs 10/- If the SB/CA Holder customer maintain average monthly balance Rs. 1 Lakh & above - Charges Waive off |
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| D) | RTGS Above to Rs. 2 Lakh to 5 Lakh Above to Rs. 5 Lakh |
Rs. 25/- Rs. 45/- If the SB/CA Holder customer maintain average monthly balance Rs. 1 Lakh & above - Charges Waive off |
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| E) | E-Payment (IDBI) Vat Tax Challan / Income Tax Challen PF Challan / PT Challan Up to Rs. 1 Lakh Above Rs.1 Lakh to 3 Lakh Above Rs. 3 Lakh to 5 Lakh Above Rs. 5 Lakh to 10 Lakh Above Rs. 10 Lakh |
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| 2 | DD / Pay Order Cancellation Charges : | ||||||||||||||||
| Drawn on our Branches, HDFC Bank and IDBI Bank up to Rs.10000/- Above Rs. 10000/- |
Rs. 50/- per Instrument Rs. 100/- per Instrument |
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| 3 | Cheque & Bills Collection Charges (Commission On Bills ) : | ||||||||||||||||
| A) | O.B.C. (Outward Bill & Cheques Collection) | ||||||||||||||||
| 1) |
General Cheques & Bill Up to Rs. 10,000/- Above Rs. 10000/- to 100000 Rs. 100001 & Above |
Rs. 60/- + Postage Rs. 120/- + Postage Rs.130/- + Postage |
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| 2) | O.B.C. Returning charges : | Rs.120/- + Postage |
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| No. | Description | Charges Applicable + GST Extra | |||||||||||||||
| B) | I.B.C. Inward Bill & Cheques Collection Charges) | ||||||||||||||||
| 1) |
Other than Nationalized Banks Up to Rs. 10,000/- Above Rs. 10,000/- |
Rs. 55/- + Postage Rs. 55/- + Rs. 1/- per Thousand + postage |
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| 2) |
Nationalized Banks Up to Rs. 10,000/- Above Rs. 10,000/- |
Rs. 110/- + Postage Rs. 110/- + Rs. 1 per Thousand + Actual Nationalized Banks Commission + Postage |
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| 3) | I.B.C..Returning Charges | Rs. 110/- Postage or VPL | |||||||||||||||
| 4 | Cancelled & Re-issued Demand Draft / Pay Order / Bankers Cheque : | ||||||||||||||||
| 1) 2) |
P.O./ DD on our Branches & HDFC & IDBI Bank & other Nationalized Banks |
Documentation charges + Rs. 110/- per Inst. .. Documentation charges + Respective Bank Charges + Rs. 110/- per instrument |
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| 5 | Building Fund Fee : | ||||||||||||||||
| A) | i) All type of limit and term Loan A/c (Excluding Staff Loan, L.A.F.D.R. / LIC NSC / WHR. / Gold / Covid -19 Loan) Loan upto Rs. 5 Lakh Above 5 Lakh to 15 Lakh Above Rs. 15 Lakh to 1 Crore Above Rs. 1.00 Crore |
Minimum Rs. 500/- 1% Loan Sanction Amount 0.75 % Loan Sanction Amount 0.50 % Loan Sanction Amount 0.40 % Loan Sanction Amount (Maximum Rs. 1,20,000/-) |
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| Valuation & Insurance Charges for Gold & Silver Ornaments : | |||||||||||||||||
| 6 | 1) |
Valuation Charges |
i) 0.20% on Loan Disbursement Amount (Minimum Rs 100/- and Maximum Rs. 1000/-) ii) For Chandur Bazar Br (Minimum Rs. 100/- Maximum 700/-) up to 1 Lakh 1.25/- Per Thousand Above 1 Lakh 1.10/- Per Thousand |
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| 2) | Insurance Charges | 0.50% on Amount Loan Disbursed (Minimum Rs.150/- Maximum as per Loan Disbursement ) |
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| 7 | Stop Payment Instruction Charges : | ||||||||||||||||
| All Types of A/c | Rs. 120/- per instrument Rs.600/- for a series of Instruction beyond 5 Cheques At the time of closing A/c submission of remaining cheques if customer fail to handover it then Rs. 20 per cheque. |
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| No. | Description | Charges Applicable + GST Extra | |||||||||||||||
| 8 | Issue of Duplicates Pass Book (SB/ RD ) / Statement Issue Charges : | ||||||||||||||||
| i) ii) iii) |
Duplicate Pass Book (Saving / RD ) Account statement for current A/c Duplicate Statement Issue |
Rs. 110/- Per Pass Book Free Pre Month one statement Rs. 10 Per Page |
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| 9 | Cheque Book Charges : | ||||||||||||||||
| A) | Saving | ||||||||||||||||
| i) ii) iii) |
Cheque Book Charges Demand of Cheque for finance Purpose If customer maintence average monthly Balance |
Rs. 3/- per leaves (Minimum Rs.45/-) Rs. 1000/- For upto 30 leaves + Rs. 250 Extra for Next 15 leaves CB Charges will be Free |
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| B) | Other than Saving Account : (All other Accounts) |
Rs.3/- per leaves (Minimum Rs. 45/-) | |||||||||||||||
| 10 | Inward / Outward Cheque Returning Charges : | ||||||||||||||||
| i) ii) iii) iv) v) |
Regular Customers Finance company cheque Inward Return ECS / Cheque Return I/w Mandate Passing (Debit) O/w Mandate Passing (Credit) |
Rs. 200/- per instruments Rs. 250/- per instruments Rs. 250- per instruments Rs. 100/- per instruments Rs. 50/- per instruments |
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| 11 | Account Closure Charges : | ||||||||||||||||
| A) i) ii) iii) |
Saving Account : Less than 1 year old A/c Above 1 year old A/c For Student A/c and Abhinandan Bal Bachat A/c / Bank own Staff A/c |
Rs. 200/- Rs. 100/- No Charges |
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| B i) |
Current Account/ other Finance A/c Less than 1 year old A/c Above 1 year old A/c |
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| 12 | Commission on Bank Guarantee : | ||||||||||||||||
| A) |
Against F. D. Receipt : |
0.50% P.a. (Minimum Rs. 750 P.a.) |
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| B) | Against NSC / LIC Policy | 1.00% P.a. (Minimum Rs. 750 P.a.) | |||||||||||||||
| C) | Against IM Property | 2.00% P.a. (Minimum Rs. 2000 P.a.) | |||||||||||||||
| No. | Description | Charges Applicable + GST Extra | |||||||||||||||
| D | Up to Rs. 20.00 Lakh a) 100% FDR Mortgage b) 100% LIC, SV, NSC, KVP Mortgage c) Property Mortgage Above Rs. 20.00 Lakh a) 100% FDR Mortgage b) 100% LIC, SV, NSC, KVP Mortgage c) Property Mortgage Bank Guarantee will be issued By H.O But BG Against FDR will be issued by Branch |
0.50 % 1.00% 2.00 % 0.25 % 0.50% 1.00 % (Bank Guarantee Commission will be Charge on yearly basic on B.G. Amount) All Issued BG. One copy of each must be keep at Branch and H.O. |
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| 13 | Solvency Certificate Charges : | ||||||||||||||||
| Only for our Bank A/c Holder At CA/SB/Loan A/c atleast One year old relationship with Bank .. .. Bank solvency certificate above Rs. 10 Lakh will be approved by H.O. |
Rs. 2.00 per thousand (Minimum Rs. 1000/- and Maximum Rs. 10,000/-) For Rs. 10 Lakh & Above financial statement required |
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| 14 | Incidental Changes (Half year Charges i.e. on 30 th Sep. / 31 st March ) | ||||||||||||||||
| A) |
All type of limit & Term Loan A/c (Excluding Loan Against FDR, Gold Loan, NSC, KVP, WHR, Kovid-19, Staff Loan) i) up to Rs 10.00 Lakh ii) Above 10.00 Lakh iii) On Current Account |
Rs. 100/- Half Yearly Rs. 200/- Half Yearly Rs. 100/- Half Yearly |
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| 15 | Locker Rent (Annually ) Other than Nagpur Br: (Rent Period will be 1 April to 31 March) |
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| i) | Locker Rent (Including GST) 1) Main Br. / Paratwada / New Cotton Market Road, Amt. 2) Badnera / Achalpur /Chandur Bazar / Dhamangaon Rly 3) Nagpur |
A (Small Size) C (Medium Size ) G (Big Size) Rs. 1100/- Rs. 2100/- Rs. 3650/- Rs. 1000/- Rs. 1850/- Rs. 3250/- Rs. 1600/- Rs. 3150/- Rs. 4800/- |
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| Locker Rent - Over Due Charges | For 1 st Quarter 10% of Locker Rent For 2 nd Quarter 20% of Locker Rent For 3 rd Quarter 30% of Locker Rent For 4 th Quarter 40% of Locker Rent |
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| No. | Description | Charges Applicable + GST Extra | |||||||||||||||
| ii) |
Locker Allotment Charges (One Time Charges not Refundable) |
Allotment of Small Size Locker Rs. 700/- Allotment of Middle Size Locker Rs. 1000/- Allotment of Big Size Locker Rs. 1500/- |
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| iii) |
Loss of Locker Key Breaking open of locker |
The expencess will be Rs. 7000/- to 8000/- | |||||||||||||||
| iv) | Number of locker visit/operations | First 25 visits per year free and after that per additional visit charges Rs. 60/- Extra | |||||||||||||||
| v) | Extra Lock Facility if required | Rs. 1000/- | |||||||||||||||
| 16 | A | Loan Application Form & Renewal Charges : | |||||||||||||||
| i) | Limits Review & renewal Limit up to 5.00 Lakh Above Rs. 5.00 Lakh to 25.00 Lakh Above Rs. 25.00 Lakh to Rs. 1 Crore Above Rs. 1 Crore |
Renewal Charges Rs. 250/- Rs. 500/- Rs. 1000/- Rs. 2000/- |
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| ii) | All types of Loan (Excluding Loan Against FDR, Gold Loan, Staff Loan / NSC, KVP, WHR Loan) |
Rs. 100/- per form | |||||||||||||||
| iii) |
Loan A/c Precloser Charges a) Pre Closer A/c Commitment Charges Limit above 20 Lakh A/c closed Charges (Limit Closed within 2 year after limit sanction) |
up toRs. 50.00 Lakhs - 1.50% above 50.00 Lakhs - 1% |
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| iv) | Loan A/c Precloser Charges . . . b) Term Loan A/c loan amount sanction above Rs. 20.00 lakh if term loan sanction for the period of 5 years & more and in this case if A/c close within 1 year or A/c take over by other Bank (Excluding Car / WHR/ Gold Loan) Commitment on outstanding Amount |
above Rs. 20.00 Lakhs to 1.00 Crore - 1% above 1 crore - 0.75% |
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| B | Stock Verification Charges (Only for S.C.C. & Hypo. Limits where the stock available ): | ||||||||||||||||
| Sanctioned Limit Slab i) Up to Rs. 10,00,000/- ii) Above Rs.10,00,000/- |
Charges Applicable Qty. Basis Rs. 30/- Rs. 60/- |
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| 17 | Penal Interest | 3% extra rate of Interest will be charge . 1) Over due accounts for Limit 2) Pending Instalment dues of term Loan |
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| No. | Description | Charges Applicable + GST Extra | |||||||||||||||
| 18 | Share Application Charges : | ||||||||||||||||
| i) ii) iii) iv) v) |
Entrance Fee Nominal Member Fee Share Trf. Fee Nomination Change Fee Duplicate share certificate (Note : (iii), (iv) & (v) Confirmation by H.O.) |
Rs. 100/- per new application Rs. 100/- per Nominal Member Rs. 100/- per application Rs. 100/- per certificate Rs. 100/- per application (GST Not Applicable) |
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| 19 | Godown Pledge / Delivery Charges / WHR Pledge Charges (Per Visit) : | ||||||||||||||||
| i) | Godown Pledge / Delivery Charges WHR Receipt Pledge Charges |
200/- per visit branch convince charges and for local Rs. 50/- per visit | |||||||||||||||
| 20 | Loan Recovery Charges : | Rs. 50/- Per Visit I st Time there after Rs. 100/- Per Visit or actual conveyance charges | |||||||||||||||
| 21 | Loss of Token Charges : | Rs 250/- Per Token Loss | |||||||||||||||
| 22 | Attestations of Customer signature Charges : | ||||||||||||||||
| For CA / SB A/c / Account for Finances | Rs. 120/- | ||||||||||||||||
| 23 | No Dues Certificate | Rs. 25/- per certificate |
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| 24 | CIBIL Report Charges | ||||||||||||||||
| i) Up to Rs. 50.00 Lakh ii) Above 50.00 Lakh |
Rs. 350/- Rs. 550/- |
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| 25 | Minimum Balance Charges Per Month : | ||||||||||||||||
| A) i) ii) iii) iv) v) |
Saving Account No frill A/c ( For Student A/c) and Abhinandan Bal bachat A/c and Bank Staff A/c Without Cheque Book With Cheque Book Current Account A/c For Finance Note : Charges Not applicable to inoperative A/c and Dormant A/c |
Minimum Bal. Limit Minimum Bal. Charges Rs. 100/- No charges Rs. 300/- Rs. 15/- Rs. 500/- Rs 20/- Rs. 2000/- Rs. 100/- Rs. 1200/- Rs. 100/- (Must be debited at the end of each month) |
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| No. | Description | Charges Applicable + GST Extra | |||||||||||||||
| 26 | Inter Branch Transaction or Home Branch Transaction : | ||||||||||||||||
| 1) 2) 3) |
Cash Transaction upto Rs.10.00 Lakh (per day Clubbed Limit ) above Rs .10.00 Lakh Cash Withdrawal Charges Inter Branch Transfer Charges |
Subject to Branch retention limit. Depend on cash available Nil |
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| 4) | Cash Deposit Handling Charges | 1) Cash deposit of Rs. 50000/- Free Per day a) For Rs. 100 and above denominations will be allow Rs. 40000/- and above b) Denomination below Rs. 100/- will be allow up to Rs. 10000/- above Rs. 10000/- per packet Rs. 5 will be charged. 2) Above Rs. 50000/- Rs.1 Per Rs. 1000/- |
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| 3) Coins are Rs. 5 per 100 Coins. | |||||||||||||||||
| 4) Current A/c holder have maintain monthly average Rs. 50 thousand minimum Balance in his A/c those customer will be allow to deposite in cash Rs. 10 Lakhs free in 1 Month. |
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| 5) Current A/c holder have maintain monthly average Rs. 1 Lakh minimum Balance in his A/c those customer will be allow to deposite in cash Rs. 20 Lakhs free in 1 month. |
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| 6) Current A/c holder are maintaining monthly average balance Rs. 2 Lakh in his A/c those customer will be allow to deposite in cash upto Rs. 40 Lakhs free in a 1 Month and so on. |
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| Note :- 1) Previous month average balance of customers A/c will be consider for allowing the customers to deposit in cash into their A/c without cash handling charges as per above ratio for the current month. 2) Cash deposit handling charges will be waive off for loan A/c & it will be accepted subject to cash retention limits of Branch 3) Rs. 5 OR Rs. 10 per Rs. 1000 will be charge on those customers who deposit the cash against their NEFT / RTGS/CTS cheque etc same day transaction. |
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| 27 | Pan Card Services | Commission Rs 100 + Postage Extra | |||||||||||||||
| No. | Description | Charges Applicable + GST Extra | |||||||||||||||
| 28 | ATM Transaction Charges for HDFC Bank ATMs & other Bank ATMs | ||||||||||||||||
| 1) |
ATM Transaction Charges for HDFC Bank ATMs & other Bank ATMs | Five transaction Free (including financial & non financial transaction ) per month There after up to Rs. 20/- per financial transaction and Rs. 10/- for non financial transaction |
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| 2) | ATM Card Fee | Rs. 150/- | |||||||||||||||
| 3) | Additional ATM Card | Rs. 150/- | |||||||||||||||
| 4) | Card Replacement Fee | Rs. 150/- | |||||||||||||||
| 5) | PIN Replacement Fee | Rs. 25/- | |||||||||||||||
| 6) | ATM Card Kit Returned Fee | Rs. 100/- | |||||||||||||||
| 7) | Card Operation insufficent Balance | Rs. 10/- | |||||||||||||||
| 8) | Rupee ATM Debit Card Annual Maintenance Charges | Rs. 108/- | |||||||||||||||
| 9) | SMS Alerts Charges | Rs. 10/- per quarter | |||||||||||||||
| 10) | Mobile Banking per Transaction | Rs. 3/- | |||||||||||||||
| 11) | IMPS Dr / Cr. Per Transaction | Rs. 3/- | |||||||||||||||
| 29 | Allowing operation through power of Attorney | Rs. 500/- for individual Rs. 1000/- for Non -individual |
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| 30 | Digital 7/12, 8 A | Rs. 30/- | |||||||||||||||
| 31 | Interest Certificate for all segments. | Original Free Duplicate Rs. 50/- |
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| 32 | Addition Deletion of Names in Joint A/c Nomination i) Charges in operating instruction ii) Incase of death case |
Rs. 25/- per Request No Charges Incase of death case |
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| 33 | Printing & Postage Charges for notice sent to Dormant /Inopertive Saving/ Current A/c Holder | Printing & Postage Charges at actual. | |||||||||||||||
| 34 | Bank Bye Laws Copy only for Regular Members | Rs. 250/- Per Copy | |||||||||||||||
| 35 | CERSAI Registration Charges For Mortgage property for all loans. | Rs. 200/- per Property. | |||||||||||||||
| Note : | 1) If Charges received in cash to be rounded of to Rs. One. (Ex. If charges amount is 12.01 Rs. Then it is to be rounded to Rs. 13/- |
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| 2) Bank reserves the right to revise the charges as its own discretion. | |||||||||||||||||
