| Sr. No. | Particulars of Charges | Period | Amount |
|---|---|---|---|
| 1 | A/C Maintenance Charges | ||
| i) Saving Account | Half Yearly | 17.25 | |
| ii) Current Account | Quarterly | 100.00 | |
| iii) All Loans | |||
| Up to 10 lacs | Quarterly | 100.00 | |
| Above 10 lacs | Quarterly | 200.00 | |
| (Not Applicable For Gold Loan Govt. Security & Fixed Deposit Loans) | |||
| iv) Inoprative A/c After 2 Years | 100.00 | ||
| 2 | Account Closing Charges | ||
| i) Saving Account | 100.00 | ||
| ii) Current Account | 250.00 | ||
| iii) If Unpaid Cheques Not Return At The Time of Closing Decision of Manager | 60.00 / Cheque | ||
| 3 | Minimum Bal Charges | ||
| i) Saving Account - Rs. 300/- (Saving A/C with Cheq. Book Rs.500/-) | If Cheque Or Payment Pass Below Limit | 30.00 | |
| ii) Current Account - Rs.1000/- | 60.00 | ||
| 4 | Clearing Cheques Return Charges | ||
| i) Outward / Inward | 100 per chq | ||
| ii) ECS | 120 per chq | ||
| 5 | No Due Certificate / Interest | 50.00+ST | |
| 6 | Cheques Stop Payment | 60.00 Per Cheq | |
| 7 | RTGS / NEFT Charges | ||
| i) Below 1 lacs | 50.00 | ||
| ii) Above 1 to 3 lacs | 70.00 | ||
| iii) Above 3 to 5 lacs | 100.00 | ||
| iv) Above 5 to 10 lacs | 150.00 | ||
| v) Above 10 lacs | 200.00 | ||
| 8 | Cheq Book Charges ( Per Cheque ) | 2.00 Per Leaves | |
| 9 | Payment Agst. MICR Clearing | ||
| i) Next Day | 50.00 Per Lacs | ||
| ii) RTGS Payment In Cash Same Time As Per RTGS /NEFT charges | |||
| Below lacs | 50.00 | ||
| 1 to 3 lacs | 70.00 | ||
| Same Day Payments | |||
| 10 | Issue Of Duplicate Pass Book | S/A, C/A | 50.00 |
| Statement Charges 2nd Time | 15.00 Per Page | ||
| 11 | Signature Verification | 100.00 | |
| Attestaion etc. | |||
| NACH Mandate Approval | 100.00 | ||
| 12 | Collection of Cheques OBC | Comm. | Postage |
| Upto 10,000 Direct | 70.00 | 30.00 | |
| Through HDFC / Kotak | 15.00 | 30.00 | |
| Above 10,000 Direct (Per Thousand) | 3.50 | 30.00 | |
| HDFC / Kotak (Per Thousand) | 1.20 | 30.00 | |
| 13 | D.D/P.O.Charges | ||
| i) P.O Umiya Bank | By Cash Per Thousand | 1.00 | |
| By A/C Per Thousand | 0.80 | ||
| ii) DD SBI upto 10,000/- | 70.00 | ||
| Above 10,000/- | Per Thousand | 3.50 | |
| SBI at per cheque upto 20,000/- | 40.00 | ||
| SBI at per By Cash | Per Thousand | 2.25 | |
| SBI at per By A/c | Per Thousand | 2.00 | |
| iii) Other Banks | By A/C Per Thousand | 1.50 | |
| eg. HDFC / Kotak/ IDBI / Axis | By Cash Per Thousand | 1.70 | |
| 14 | D.D.Cancellation Charges | ||
| i) SBI | Per Instrument | 200.00 | |
| ii) SBI at Par | Per Instrument | 100.00 | |
| iii) Pay Order | Per Instrument | 60.00 | |
| iv) HDFC/ Kotak/ IDBI/Axis | Per Instrument | 60.00 | |
| v) Franking Cancellation Certificate | Per Document | 60.00 | |
| 15 | Bill of Exchange (Discount) | ||
| Only DD /Govt. Cheques | Upto 10,000 | 30 +21% Intt. | |
| (Intt. Should be charged from the date of purchased to relization of Instrument) | 10,001 to 1 lacs | 60 +21% Intt. | |
| Above 1 Lacs | 110 +21% Intt | ||
| 16 | Bank Guarantee Commission | New and Renewals | Minimum 200/- Maximum 2% of Bank Guarantee + ST |
| 17 | Solvency Certificate | ||
| Upto 5 lacs | 575.00 | ||
| Above 5 lacs to 10 lacs | Add 100/- Per lacs+ST | ||
| 18 | Income Tax Return + VAT Payment Charges | ||
| Upto 10,000 | 50/- | ||
| Above 1 Lacs to 5 lacs | 100/- | ||
| Above 5 lacs | 150/- | ||
| 19 | 1) Process Fees for Loans & Advance | ||
| i) Sanction Loan Amt e.g. Cash Credit, Overdraft | Minimum | 500/-+ ST | |
| Upto 25 lacs | 0.75%+ST | ||
| Above 25 lacs to 50 lacs | 0.50%+ST | ||
| Above 50 lacs to 75 lacs & above | 0.50%+ST | ||
| ii) Housing, Term Loan, Personal, Secure | Minimum | 500/-+ST | |
| Term Loan, Working Term Loan | Maximum | 1% ST | |
| 2) Process fee for gold loan and Govt. securities (KVP,LIC Policy Above Rs.50000/- may charge @0.75% on loan amount. Gold testing charges may be paid to gold smith by customer | Minimum | 100/-+ST | |
| Maximum | 500/-+ST | ||
| 3) Renewal Charges | Above 25 lacs to 50 lacs | 0.25%+ST 15% | |
| Cash Credit, Over Draft etc. | Above 50 lacs to 75 lacs & above | 0.12.50%+ST 15% | |
| 4) Renewal shall be for 3 years means agreement due date for 3 years but every year simple application for renewal in bank format along with follwing document should be taken. | |||
| i) Application form | |||
| ii) Promissory Note | |||
| iii) Letter of Continuity | |||
| iv) Lien of Set - off | |||
| v) Stock Statement | |||
| vi) Balance Sheet | |||
| vii) Profit & Loss Accounts | |||
| viii) Income Tax return | |||
| ix) Tax Receipt (Current) | |||
| x) Gumasta Licence or VAT, sales tax certificate or any Bussiness proof from borrower only | |||
| 5) Renewal Charges should be debited to borrower Account every year | |||
| 20 | Visiting Charges | ||
| i) Every Loans Half Yearly visit is essential | Visit upto 2 lacs | 200/- | |
| ii) Housing Loan, Project Loan stgewise visit report required | Above 2 lacs to 25 Lacs | 400/- | |
| iii) Loans against hypothecation of stock quaterly visit required | Above 25 lacs to 75 Lacs & above | 600/- | |
| 21 | Late fee for submission of stock statement | 50/- per lac of sanctioned limit per month | |
| 22 | Safe Deposit Locker Rent | ||
| i) Small Size | Yearly | 400+ST 15% | |
| ii) Medium Size | 900+ST 15% | ||
| iii) Large Size | 1900+ST 15% | ||
| 23 | Supply of Varies loan forms | ||
| i) Loan Upto 2 Lacs | 50/- | ||
| ii) Above 2 Lacs | 100/- | ||
| 24 | Postage Charge | (At Actual + 5/-) | |
| 25 | Online stampduty | ||
| Minimum - Upto 1,00,000/- | 200/- | ||
| Above 1 lac to 10 lac | 500/- | ||
| Above 10 lacs | 1000/- | ||
| 26 | ATM charges | Yearly | 240/- |
Umiya Urban Co-op Bank Mydt.