Service Charges (applicable wef April 1^st 2024)

1. Minimum monthly average balance requirement and monthly maintenance charges in SB accounts

1.1 Where debit card has been issued to an account holder

Minimum monthly average balance of Rs.7500 per month to be maintained. Whenever the monthly average balance falls below the required level the revised charges will be LEVIED as below :

MONTHLY AVERAGE BALANCE (MAB) REQUIREMENT	MAINTENANCE CHARGES PER MONTH
UPTO Rs 1000	Rs 50 Per month
>Rs 1000 & upto Rs 2000	Rs 50 Per month
>Rs 2000 & upto Rs 3000	Rs 50 Per month
>Rs 3000 & upto Rs 4000	Rs 40 Per month
>Rs 4000 & upto Rs 5000	Rs 35 Per month
>Rs 5000 & upto Rs 7500	Rs 25 Per month
>Rs 7500	NO CHARGE
DEBIT CARD CHARGES PER QUARTER WHERE AVERAGE BALANCE MAINTAINED IS LESS THAN RS 15000	RS 50 PER QUARTER

1.2 Where no debit card has been issued to an account holder

Branch location	Monthly minimum average balance requirement (Amount in Rs.)
	With cheque book facility	Without cheque book facility
Metro	3000	1000
Urban	2500	750
Semi urban	2000	500
Rural	1000	100

1.2.1 Maintenance charges per month in non- debit card accounts but with cheque book(In Rs.)

Monthly avg balance maintained	Rural	Semi Urban	Urban	Metro
Upto Rs 100	22	22	22	22
>Rs 100 & upto Rs 250	22	22	22	22
>Rs 250 & upto Rs 500	17	17	17	17
>Rs 500 & upto Rs 750	17	17	17	17
>Rs 750 & upto Rs 1000	17	17	17	17
>Rs 1000 & upto Rs 2000	No charge	17	17	17
>Rs 2000 & upto Rs 2500	No charge	No charge	17	17
>Rs 2500 & upto Rs 3000	No charge	No charge	No charge	17

1.2.2 Maintenance charges per month in non- debit card accounts without cheque book (In Rs.)

Monthly average balance maintained	Rural	Semi Urban	Urban	Metro
Rs.1 to upto Rs 100	22	22	22	22
>Rs 100 & up to Rs 250	No charge	22	22	22
>Rs 250 & upto Rs 500	No charge	17	17	17
>Rs 500 & upto Rs 750	No charge	No charge	17	17
>Rs 750 & upto Rs 1000	No charge	No charge	No charge	17

The month for reckoning is calendar month.

There are exemptions from maintenance charge to the following categories of SB accounts, and Transactions through Net Banking, Mobile Banking and CUB ATMs are free

• Newly opened accounts for the respective quarter
• Accounts in newly opened branches of less than one year old
• Accounts in centres where we do not have ATM
• Staff accounts
• CUB Janatha savings accounts (No frills accounts) (now called basic savings account)
• Accounts with CUB card holders
• NRI accounts

The following accounts are exempted from maintenance charge and transactions through Net Banking and Mobile Banking and CUB ATMs are free. However, Financial or non-financial transactions DONE by below mentioned SB account holders from other bank ATMs will be free upto 5 transactions per month. Thereafter the charges will be Rs.20 per transaction.

• Salary Savings Accounts
• Young India Accounts
• Junior India accounts

1.3 CUB BSBD product

The following facilities will be offered to our customers under the revised BSBD account:

• The deposit of cash at bank branch as well as ATMs/CDMs
• Receipt/ credit of money through any electronic channel or by means of deposit /collection of cheques drawn by Central/State Government agencies and departments
• No limit on number and value of deposits that can be made in a month
• Four withdrawals in a month, including ATM withdrawals
• No Cheque book facility
• ATM-cum-Debit card will be issued
• Free passbook facility

2. Minimum monthly average balance requirement and monthly maintenance charges in General current accounts

Minimum Monthly average balance to be maintained is Rs. 50,000/- Per Month, If monthly average balance falls short of Rs. 50,000/- month, charges will be levied at amount shown below

Minimum Balance Maintained	GENERAL CA
MAB Above Rs.50,000/-	0
Rs.25,000/- to Rs.50,000/-	450
Rs.10,000/- to Rs.25,000/-	500
Rs.5,000/- to Rs.10,000/-	550
Rs.2,500/- to 5,000/-	600
Less than Rs.2,500/-	650

3. a Minimum monthly average balance requirement and monthly maintenance charges in classic plus current accounts

Minimum average balance requirement in classic plus account is Rs 1,00,000/-,  If average balance falls short of Rs.1,00,000/-, monthly charges will be levied at amounts shown below

Minimum Balance Maintained	CUB CLASSIC PLUS
MAB Above Rs.1,00,000/-	0
Rs. 75,000/- to Rs.1,00,000/-	550
Rs.50,000/- to Rs.75,000/-	600
Rs.25,000/- to Rs.50,000/-	650
Rs.10,000/- to Rs.25,000/-	700
Rs.5,000/- to Rs.10,000/-	700
Rs.2,500/- to 5,000/-	700
Less than Rs.2,500/-	700

3.b Minimum monthly average balance requirement and monthly maintenance charges for other Current Accounts

Account Type	Start-Up	REGULAR	SILVER	GOLD	PLATINUM
Minimum Monthly Average Balance to be Maintained	0	Rs.10,000/-	Rs.25,000/-	Rs.50,000/-	Rs.1,00,000/-

Minimum Balance Maintained	Start-Up	REGULAR	SILVER	GOLD	PLATINUM
MAB Above Rs.1,00,000/-	0	0	0	0	0
Rs. 75,000/- to Rs.1,00,000/-	0	0	0	0	550
Rs.50,000/- to Rs.75,000/-	0	0	0	0	600
Rs.25,000/- to Rs.50,000/-	0	0	0	450	650
Rs.10,000/- to Rs.25,000/-	0	0	400	500	700
Rs.5,000/- to Rs.10,000/-	0	350	450	550	700
Rs.2,500/- to 5,000/-	0	450	500	600	700
Less than Rs.2,500/-	0	500	550	650	700

4 Cash transactions in current accounts

S.no	Cash received in the account	GENERAL CA	CLASSIC PLUS CA
1	Cash to quarterly average balance (QAB) up to 12.5 times in the previous calendar quarter	No charge	No charge
2	Cash to QAB exceeds 12.5 times but is < 125 times in the previous calendar quarter	Charges at Rs.2.50 per Rs.1000	Charges at Rs.2.25 per Rs.1000
3	Cash to QAB exceeds 125 times in the previous calendar quarter	Charges at Rs.4.50 per Rs.1000	Charges at Rs.4.25 per Rs.1000

CURRENT ACCOUNT	CASH TO QUARTERLY AVERAGE BALANCE (QAB) UP TO 12.5 TIMES IN THE PREVIOUS CALENDAR QUARTER	CASH TO QAB EXCEEDS 12.5 TIMES BUT IS < 125 TIMES IN THE PREVIOUS CALENDAR QUARTER	CASH TO QAB EXCEEDS 125 TIMES IN THE PREVIOUS CALENDAR QUARTER
START-UP	No Charge	Charges at Rs.5 per Rs. 1000	Charges at Rs.6 per Rs. 1000
REGULAR	No Charge	Charges at Rs.4 per Rs.1000	Charges at Rs.5 per Rs.1000
SILVER	No Charge	Charges at Rs.3 per Rs.1000	Charges at Rs.4.75 per Rs.1000
GOLD	No Charge	Charges at Rs.2.50 per Rs.1000	Charges at Rs.4.50 per Rs.1000
PLATINUM	No Charge	Charges at Rs.2.25 per Rs.1000	Charges at Rs.4.25 per Rs.1000

Cash handling charges will be recovered upfront as for all current accounts. To encourage Bulk Note Acceptor (BNA) use, above charges will be given 20% discount

5. Cash transactions in CCOD accounts (including overdraft facility against FDs)

S No	CCOD limit (Last quarter avg balance)	Free cash limit per month	Charges above the free limit
1	Upto Rs 1 lac	Rs 2 lacs per month	Rs 2.75 per Rs 1000
2	Above Rs 1 lac and upto Rs 3 lacs	Rs 5 lacs per month
3	Above Rs 3 lacs and upto Rs 5 lac	Rs 10 lacs per month
4	Above Rs 5 lacs to Rs 1 cr	Rs 15 lacs per month
5	Above Rs 1 cr	Rs25 lacs per month

6. Cash transactions in savings accounts

Where cash remitted in a month exceeds Rs 1 lac in an account but less than Rs 10 lacs, charges at Rs. 3.00 per Rs 1000 will be collected for such excess amount remitted. If it exceeds Rs 10 lacs per month, charges at Rs. 5.00 per Rs 1000 will be collected.

7. Cash handling charges- late receipts

Additional 25% charge to what is applicable will be levied if cash is remitted after 3.30 pm. at the branch and on BNA. The cut off time of 3.30 pm will be suitably modified in respect of branches which open before 10 am or later than 10 am. Same additional 25% charge will be applicable for Cash Deposits made through the branches open on holidays like the second and fourth Saturdays to provide basic banking facilities primarily to retail customers.

8. Cash handling charges for small denomination notes and coins

Denomination		Charges per bundle in excess of more than one bundle per month
Rs. 50/Rs.20/Rs.10/Rs.5	Rs. 30/-

In case of deposit of small denomination notes viz., Rs. 50/20/10/5 etc, an additional amount per bundle as above will be recovered where such bundles are more than one. Part of a bundle will be treated as one for charging purpose. This also applies to all types of accounts i.e SB, CA and CCOD accounts. Branches are permitted to deduct the above charges then and there.

Where coins are tendered in bulk, charges will be recovered at Rs. 10 per Rs 100 in SB, CA and CCOD accounts if more than Rs. 100 is tendered on any working day in an account.

The charges will be collected with applicable GST.

9. Locker rent

Locker rent is based on location of a branch where locker facility is availed. Branches are categorised into the following five categories

• Metro 1
• Metro 2
• Urban
• Semi Urban and
• Rural

Category	Rent per annum in Rs
	Large/ Extra large	Medium	Small
Metro 1	5300	3350	1850
Metro 2	4800	2850	1600
Urban	4300	2350	1300
Semi urban	3300	2350	1300
Rural	3300	2350	1300

From new locker hirers locker rent will be recovered upto March end. Subsequently, locker hirers need to pay the annual rent within 3 months after the beginning of the financial year (i.e before June end). In case of delay there will be late payment penalty at 10% per quarter (or part thereof). For example rent remitted in November will attract 2 quarter penalty of 20%.

10. Cheque book issue charges

Where the on-line or ATM channel is used for ordering a cheque book, the following charges will apply. If the request is given in a branch, handling charges of Rs 30 will be levied to improve the electronic mode apart from the following.

10a Savings Bank account

Newly opened account	One cheque book (20 leaves) free if opened with an amount above QAB requirement
Senior Citizen Account	One Cheque Book (20 leaves) free per year
Additional cheque book	- Rs 4 per leaf where QAB<10000 - One cheque book per financial year is free if QAB for the previous quarter at the time of issue is between Rs 10000 and Rs 50000. Charges at Rs 4 per cheque leaf are applicable from the second cheque book in a year. - Cheque book free if QAB for the previous quarter at the time of issue >Rs 50000
Exemptions	- Staff accounts -  No frills accounts - NRI accounts
Courier charges recovery	Rs 40 as courier charges from all where cheque book issue charges are levied.

10b. Current accounts

CURRENT ACCOUNT*	SILVER	GENERAL CA & GOLD	CLASSIC PLUS CA & PLATINUM
Where QAB is more than Rs.1 Lakh	1st 25 Leaf Free of Charges, -Rs.6/leaf thereafter	1st 25 Leaf Free of Charges,Rs.6/leaf thereafter	FREE
Where QAB is less than Rs.1 Lakh	1st 25 Leaf Free of Charges, -Rs.6/leaf thereafter	1st 25 Leaf Free of Charges,Rs.6/leaf thereafter	Rs. 6/leaf

For all other current accounts Rs.6 per Leaf

Courier charges: Rs 40 Applicable to all Current Accounts

10c. CCOD customers

Cheque book issue	Rs 6 per leaf
Courier charges	Rs 40

11. Transaction / Counter Service charges

While there will be no Transaction / Counter Service charges in SB accounts, Classic Plus accounts, and Platinum current accounts, charges for other current accounts and CCOD account is given below.

Transaction / Counter Service charges	Charges
Current Acounts
START-UP CA	Rs. 50 per transaction done
REGULAR CA	Rs. 25 per transaction done
SILVER CA	4 free transactions per month after which Rs. 25/ per transaction done
GOLD & GENERAL CA	20 free transactions per month after which Rs. 15/ per transaction
PLATINUM & CUB CLASSIC PLUS CA	Free
CCOD accounts	25 Free Transaction Per Quarter after which Rs. 15/ per transaction

The charges will be recovered at quarterly interval. While counting the number of transactions, we will exclude transactions done through alternate channels like ATM transactions, on-line transactions, and system generated transactions like interest application.

12. Cheque return charges

S.No	Particulars	Proposed Charges
12.a	Outward clearing
	For instruments < Rs 10 lakh	Rs.300/instrument
	For instruments = or > Rs 10 lakh	Rs.400/instrument
12.b	Inward clearing
	For instruments < Rs 10 lakh	Rs. 300/instrument
	For instruments = or >Rs 10 lakh	Rs. 400/ instrument

This is applicable to all accounts. For ECS/NECS/NACH returns also the above will apply

13. NEFT/ RTGS/ IMPS transactions

NEFT/ RTGS/ IMPS transactions will be charged as under

Particulars	NEFT	NEFT	RTGS	RTGS
	On-line	Thro branch	On-line	Thro branch
Up to Rs. 10000	Nil	Rs.1.50
Above Rs. 10001 to Rs.1 Lakh	Nil	Rs.4.00
Above Rs.1 Lakh & up to Rs.5 Lakh	Nil	Rs.14.00
Above Rs. 2 Lakh & up to Rs.5 Lakh			Nil	Rs.24.00
Above Rs. 5 Lakh	Nil	Rs.24.00	Nil	Rs.49.00

Particulars	IMPS
	On-line
Up to Rs. 1000	Rs.2.50
Above Rs. 1001 to Rs.25,000	Rs.5.00
Above Rs.25001 to Rs.2 Lakh	Rs.15.00

14. Non home branch transactions in CA and CCOD accounts

Non-home branch cash transactions will be charged at Rs. 20 per transaction. This charge will be applicable to all branches, instead of the earlier city branch only. This transaction fee is applicable to CA and CCOD accounts only.

15. Other services

S No	Item	Charges
1	SB/CA closure	Rs.300 if closed within the first 12 months and Rs.150 thereafter for individuals, and Rs.600 for business entities (including proprietary concerns) if closed within the first 12 months and Rs.300 thereafter. Transfer of account from one branch to another is not treated as account closure
2	Charges for ATM transactions in other bank ATMs	Financial or non-financial transactions by SB account holders from other bank ATMs will be free upto 5 transactions per month. Thereafter the charges will be Rs.20per transaction.This is applicable to all other than - NRE accounts - SB accounts where previous calendar quarter -QAB >Rs 50000
3	Enquiries regarding old transactions (> 6 months old)	Free
4	SI for transfer within Bank SI for transfer outside the bank Auto Debit/Standing Instruction Transaction Failure within bank	Free Free Rs. 50 per transaction
5	Balance certificate	Rs 25
6	ATM cards/ Debit cards (first/ renewal/ replacement)	For card replacement at customer request, Rs 250 per card. First time issue and bank induced replacements like on validity period expiry will be issued free.
7	Balance enquiry	Free
8	Stop payment of a cheque	Rs 100 for all. 50% concession for senior citizens and individuals in rural branches
9	Signature verification	Rs 100 for all. 50% concession for senior citizens and individuals in rural branches
10	Foreign DD	For DDs in foreign currency, the exchange is as for Rupee DDs apart from collecting foreign bank transaction charge for debit in the bank’s nostro account. Schedule of exchange rate for DDs in Rupees is given below.
11	Issue of pass book	Free
12	Duplicate FDR	Free after taking necessary indemnity at customer’s cost
13	Sms charges	Savings and Current accounts SMS charges at 25 paise per sms on alerts for the entire quarter or Rs 25 plus GST whichever is lower. This will be applied in accounts where prescribed minimum balance of Rs.15000 in Savings Accounts and Rs.50000 in Current Accounts has not been maintained.
14	Payment by ECS	Rs 50 for all. 50% concession for senior citizens and individuals in rural branches
15	Statement of account	If printed statements are required, it will be charged at Rs 10 per sheet with a maximum of Rs 25. However, It is free for E-Statements.
16	ATM/PIN generation/re-generation request at Branch	Rs 50 per request
17	ECS/NACH One Time Mandate Registration/Authorization Charges	Rs 20 per request
18	Electronic-Bank Guarantee & Digital Loans, Digital Documents Execution Charges	Rs 250 +GST

16. Remittance facilities (including through other banks) (Rupee or in foreign currency)

No DD/PO charges for staff

50% reduction on card rate will be allowed for senior citizens maintaining account with us and senior citizen’s name is the first holder in joint accounts.

A	Account holders	Charges for all if DD/PO is issued by debit to purchaser's account
i	DD issue
	Up to Rs.500.00	Rs. 50.00
	Rs.500.00 to 1000.00	Rs. 50.00
	Rs.1000.00 to 5000.00	Rs. 50.00
	Rs.5000.00 to 10000.00	Rs. 50.00
	Rs.10000.00 to 1.00 lakhs	Rs 3 per Rs 1000 Min Rs 100
	Rs.1.00 Lakh to 10.00 Lakhs	Rs 3 per Rs 1000
	Rs.10.00 Lakhs and above	Rs 3 per Rs 1000
ii	DD cancellation	Rs. 50.00
iii	DD revalidation	Rs. 50.00
iv	DD-duplicate issue	Rs 100 for DDs upto Rs 5000 & Rs 250/thereafter
v	Banker’s cheque – Issue
	Up to Rs.500.00	Rs. 50.00
	Rs.500.00 to 1000.00	Rs. 50.00
	Rs.1000.00 to 5000.00	Rs. 50.00
	Rs.5000.00 to 10000.00	Rs. 50.00
	Rs.10000.00 to 1.00 lakhs	Rs 3 per Rs 1000 Min Rs 100
	Rs.1.00 Lakh to 10.00 Lakhs	Rs 2 per Rs 1000
	Rs.10.00 lakhs and above	Rs 2 per Rs 1000
vi	Pay Order – cancellation	Rs. 50.00
vii	Pay Order – revalidation	Rs. 50.00
viii	Pay Order – duplicate Issuance	Rs 100 for POs upto Rs 5000 &Rs 250/ thereafter

B	Non account holders
i	DD Issue
	Up to Rs.500.00	Rs. 50.00
	Rs.500.00 to 1000.00	Rs. 50.00
	Rs.1000.00 to 5000.00	Rs. 50.00
	Rs.5000.00 to 10000.00	Rs. 50.00
	Rs.10000.00 to 1.00 lakhs	Rs4 per Rs 1000 Minimum Rs 100
	Rs.1.00 Lakh to 10.00 Lakhs	Rs 4 per Rs 1000
	Rs.10.00 Lakhs and above –	Rs 4 per Rs 1000
ii	DD cancellation	Rs. 50.00
iii	DD revalidation	Rs. 50.00
iv	DD-duplicate issue	Rs 100 for DDs uptoRs 5000 &Rs 250/ thereafter
v	Banker’s cheque issue
	Upto Rs.500.00	Rs. 50.00
	Rs.500.00 to 1000.00	Rs. 50.00
	Rs.1000.00 to 5000.00	Rs. 50.00
	Rs.5000.00 to 10000.00	Rs. 50.00
	Rs.10000.00 to 1.00 lakhs	Rs 4 per Rs 1000 Min Rs 100
	Rs.1.00 Lakh to 10.00 Lakhs	Rs 2 per Rs 1000
	Rs.10.00 lakhs and above	Rs 2 per Rs 1000
vi	Pay Order – cancellation	Rs. 50.00
vii	Pay Order – revalidation	Rs. 50.00
viii	Pay Order – duplicate Issuance	Rs 100 for POs upto Rs 5000 & Rs 250 thereafter

C

Where DD/PO is taken by remitting cash

Additional charges of Rs 1 per Rs 1000 will be levied as cash handling charges from all for DD/BC where the amount of DD/BC exceeds Rs 5000

17. Collection of cheques and bills

		SB account holders general category	Senior citizens & individuals in rural areas	Service charges for other customers like CA, CCOD
i	Collection of Outstation cheques
	Upto & incl. Rs.5000/-	Rs 25 per instrument	Rs 25 per instrument	Rs 50 per instrument
	Above Rs.5000 & upto & incl. Rs.10000	Rs 50 per instrument	Rs 25 per instrument	Rs 100 per instrument
	Above Rs.10000 and upto & incl. 100,000	Rs 100 per instrument	Rs 50 per instrument	Rs 150 per instrument
	Above Rs.100,000 & upto Rs 2 lacs	Rs 150 per instrument	Rs 75 per instrument	Rs 150 per instrument
	Above Rs.2 lacs & upto Rs 5 lacs	Rs 250 per instrument	Rs 125 per instrument	Rs 250 per instrument
	Above Rs.5 lacs	Rs 300 per instrument	Rs 150 per instrument	Rs 300 per instrument
ii	Collection of bills
	UPTO Rs.1000	Rs.42/-	Rs.25/-	Rs.42/-
	Rs.1000 to Rs.5000	Rs.52/-	Rs.35/-	Rs.52/-
	Rs.5000 to Rs.10000	Rs.62/-	Rs.50/-	Rs.62/-
	Rs.10000 to Rs.1.00 lac	Rs.7/- per 1000	Rs.5/- per Rs 1000	Rs.7/- per 1000
	Rs.1.00 lac to Rs 10 lacs	Rs.6/- per 1000	Rs.5/- per Rs 1000	Rs.6/- per 1000
	Rs 10 lacs and above	Rs.6/- per 1000	Rs.5/- per Rs 1000	Rs.6/- per 1000

iii	Cheque collection under speed clearing
	Upto & including Rs.100,000	NIL	NIL	Rs 100
	Above Rs 100000	Rs 150	NIL	NIL

Courier charges of Rs 40 will be recovered in addition to the above

18. Account opened under financial Inclusion – No frills accounts

Collection of cheques/bills/drafts	Charges
Local	No charges
Outstation	No charges
Issuing of cheque books upto one book	No charges
For every additional cheque book	Rs.10 per book
Commission for demand drafts /Banker’s cheque	10 paise per Rs.100 (subject to a minimum of Rs.5 per instrument)

19. Processing and inspection charges

Fund based
Processing charges (other than scheme loans)
For advances uptoRs. 25,000/- (for priority sector and micro & small enterprise advances)	NIL
For priority sector advances above Rs. 25,000/- and upto 2.00 lakhs (other than micro & small enterprises advances)	Rs 750
For priority sector advances above Rs. 2.00 lakh and upto Rs. 5.00 lakh (other than micro & small enterprises advances)	Rs 2500
For micro & small enterprises advances upto Rs. 5.00 lakh	NIL
For agricultural advances uptoRs. 2.00 lakh.	NIL
For Agri OD limits(Fresh and renewal)	1.00% Minimum of Rs 5500
For agricultural advances above Rs. 2.00 lakh and uptoRs. 5.00 lakh	0.15% pa with minimum of Rs 500
For Agricultural loans above Rs.5.00 lakh (short term, medium term and long term loans)	1.10 % Minimum Rs.10000
For non-priority advances upto Rs. 5.00 lakh	0.30% pa with a minimum of Rs 750
For all jewel loans (other than agri) (processing, appraising and documentation)	0.50%
For all jewel loans (agri) (appraising )	0.25%
CUB Swarna OD/ CUB Swarna Loan Upto Rs 50.00 lakh Above Rs 50.00 lakh to Rs 1.00 Crore	0.25% 0.15%
Super NAJL Upto Rs 3.00 lakh Above Rs 3.00 lakh to Rs. 5.00 lakh Above Rs 5.00 lakh to Rs. 10.00 lakh	0.10% 0.15% 0.20%
Six Months Jewel Loan	Upto Rs.10.00 Lakhs – 0.15% Rs.10.00 lakhs to Rs.25.00 Lakhs – 0.10% Above Rs.25.00 Lakhs –0.05%
CUB Sona Pawn Upto Rs 50.00 lakh Above Rs 50.00 lakh to Rs 1.00 Crore	0.25% 0.15%
LAD/ODAD Against Own Deposits/Third Party Deposits	NIL
For advances above Rs. 5.00 lakh
For all advances above Rs. 5.00 lakh (For MSE)
For working capital limits (both new and renewal)	1.00% p.a. Minimum Rs 5500
For loans (short term, medium term and long term loans)	1.10 % Minimum Rs.10000
For all advances above Rs. 5.00 lakh (Other Priority Advances)(Other Than MSE’s)
For working capital limits (both new and renewal)	1.00% p.a.Minimum Rs 5500
For loans (short term, medium term and long term loans)	1.10 % Minimum Rs.10000
For all advances above Rs. 5.00 lakh (Non priority Advances)
For working capital limits (both new and renewal)	1.00% p.a.Minimum Rs 5500
For loans (short term, medium term and long term loans) Except for real estate exposure & future rent receivables	1.10 % Minimum Rs.10000
For loans(short term, medium term and long term loans) for Real estate exposure & future rent receivables and Loans for Investment in business	2% of Sanctioned amount/limit Minimum Rs.15000
Term loan review charges: (for all loans over Rs. 10 lakh with sanctioned maturity period > 24 months)	0.10% pa Minimum Rs 2500

Scheme loans	Processing Charge
CUB Consumer, & CUB Eazy Ride	1.25% Minimum Rs 1000
CUB – Yohavahana	1.25% Minimum Rs 1000
Housing Loan CUB Swayam Graha Affordable Home Loan Prime Home Loan Premium Housing Loan	Upto Rs. 25.00 lakh – 0.25% Above Rs. 25.00 lakh - 0.35% Minimum Rs. 1000 0.35% 0.25% 0.20%
Loan against Property	0.50%
CUB - Dharani Special	1.25% Minimum Rs 2000
CUB - Easy business	1.00% Minimum Rs 8500
CUB- VidhyaVani (for studies in India) Upto Rs 10.00 lakh	Will be stipulate as per IBA Norms
CUB- VidhyaVani (for studies abroad) Upto Rs 20.00 lakh	0.20% Minimum Rs3000

Non fund based – commission	Commission Charges
Issuance LC / BG in connection with the domestic business transactions	a) 3 % per annum b) Collateral 100% 1. upto Rs.1.00 crore secured by 100% cash collateral , then commission – 1.00 % p.a 2. above Rs.1.00 crore secured by 100% cash collateral, then commission of 2.00% p.a c) Minimum charge for any guarantee is Rs.1000/-

Non fund based - Processing charges	Processing Charges
For BG / LCs limit (inland) partly secured / Unsecured (new or renewal) and cash margin is greater than 10%.	0.25% Minimum Rs. 1250
For BG / LCs limit (inland) partly secured / Unsecured (new or renewal) and cash margin is 10%.	0.30% Minimum Rs. 1500
For BG / LCs limit (inland) fully secured by deposits with CUB (new or renewal)	0.10% Minimum Rs. 1000

Application fees: Application fees to be collected from all the borrowers at the time of submission of loan application for processing

For MSME advances	Rs.5000
Affordable Home loan Prime Home loan Premium Housing loan	Upto Rs.1.00 crore – Rs.2000 Above Rs.1.00 crore – Rs.4000
Loan against property	Upto Rs.1.00 crore – Rs.2000 Above Rs.1.00 crore – Rs.4000

Processing Charges:

50% of loan processing charges will be recovered upfront at the time of conveying sanction to a borrower, subject to a maximum of Rs 2 lacs. The advance amount recovered will be adjusted against full amount at the time of availing the newly sanctioned limit

Unit inspection charges (other than stock audit fees)	Per annum in Rs
Limit Below Rs. 2.00 lacs	NIL
Limit above Rs. 2.00 lacs & uptoRs. 10.00 lacs	3000
Limit above Rs. 10.00 lacs and uptoRs. 50.00 lacs	5000
Limit above Rs. 50 lacs & uptoRs. 5 crores	12000
Limit above Rs. 5 crores	25000
Stock audit fees	Actual
Recovery at half year ends on proportionate basis

20. Commitment charges for non utilisation of sanctioned limit

S No	Facility	Utilisation level	Charges
1	CCOD facility with limit >Rs 10 lakh	Below 25%	0.75% pa
		Between 26% to 50%	0.50%pa
		Above 50%	No charges

This will be charged on the unutilized part. New loans sanctioned (not enhancement or renewal) in a quarter of a financial year will be exempt from this charge for that financial quarter. Term Loans and OD limits against FDs and staff loans will be exempt. The fees will be levied at quarterly interval on proportionate basis based on utilization in that quarter.

21. Pre-closure of loan facility

TYPE	CHARGES
LAD/ODAD	NIL
Jewel Loan	NIL
All floating rate term loans availed by Individual borrowers for purposes other than business.	NIL
MSME borrowers – if loan closed from own sources	NIL

For all other advances (other than the advances mentioned above)

Loan Limit	Pre-Closure Charge
If the pre-closure amount in case of term loan or loan limit sanctioned is less than Rs. 3.00 crore	3% of the outstanding amount in case of term loan / Sanctioned limit in case of Working capital limits
If the pre-closure amount in case of term loan or loan limit sanctioned is more than Rs. 3.00 crore	3% of the outstanding amount in case of term loan / Sanctioned limit in case of Working capital limits

22. Processing fee- advances

In respect of new credit facility, 50% processing fee will be recovered before sanction letter is issued and the balance at the time of availing the facility. This 50% amount is non-refundable even if the facility is not availed later.

23. Charges for non-compliance with regulatory requirements and other similar requirements

The Bank is taking lot of efforts in ensuring compliance with regulatory and similar other requirements. Some customers show little importance to such requirements and the Bank’s follow up efforts take unnecessary time and effort. To bring some sort of discipline, and also to part recover expenditure in follow up, charges will be recovered as indicated below. This is apart from other punitive efforts the Bank and/or regulator may prescribe.

S No	Item	Remark
1	Non submission of bill of entry in time	As per RBI requirement, importers are required to submit bill of entry within 6 months from the date of remittance. Where there is delay the Bank will levy 2% per annum as non- compliance fee from the 7th month till compliance. Part of a month will be treated as one month for levying charges
2	Late payment of locker rent	10% incremental rent for each quarter of default after giving a grace period of 3 months from the date the rent falls due.
3	Non submission of stock statement and financials	As given in the terms of sanction to individual borrower

24. Periodicity of recovery of service charges

S No	Item	Periodicity
1	Maintenance charges for SB/CA	The charges will be applied at end of every month.
2	Cash handling charges	As and when the transaction takes place
3	Cheque book issue	As and when issued
4	Transaction charges	Quarterly (for each calendar quarter)
5	Locker rent	In April for the year beginning April
6	ATM transaction charges	At the time of rendering service when the transaction in a month exceeds free limit
7	Others	At the time of rendering the service
8	Processing charges	As and when a loan is sanctioned and disbursed
9	SMS Charges	Quarterly (for each calendar quarter)
10	Debit Card Charges	Quarterly (for each calendar quarter)

25. Charges for transaction in ATMs / POS / e-COM outside India - Usage Outside India - Wef 01-Aug-2024

Description	Charges
Decline charges for insufficient balance - at Other bank ATMs / POS / e-Com transaction anywhere in world or at mechant outlet / websites outside India	Rs.25/- plus applicable taxes / per transaction
ATM charges - Usage outside India - for balance enquiry	Rs.25/- plus applicable taxes / per occasion
Foreign currency ATM / POS /e-COM transaction charges - usage outside India	Rs.150/- plus applicable taxes / per transaction and 3.50% cross currency Mark-up charges on the transaction amount plus applicable taxes

26. The revision is applicable from April 1st 2024. The charges are exclusive of GST. Applicable GST will be collected separately as per the rates in force.

Any modification in tax laws including GST will be to the account of the customer.

27. GST issues in Current and Savings (CASA) accounts

Tax authorities have made a claim on the Bank stating that monthly minimum balance charges collected by the Bank are to compensate the Bank towards banking services rendered in these accounts where the average balance falls below threshold level(s). The tax authorities contend that these services have been rendered free to customers who maintain balance above these threshold level(s). On this premise they have raised a claim on the Bank on GST payable by the Bank on such free services in all the accounts where the balance is above the threshold level(s). The Bank has appealed against the claim. In case the Bank is required to pay the claimed amount of GST, GST on proportionate basis will be recovered from all CASA accounts where no minimum balance charges have been levied. Per account GST will depend on likely outcome of the tax litigation.

FREE OF CHARGE ACCOUNTS

1) CUB YOUNG INDIA:

• Free Welcome Kit
• Free Net Banking
• Free Debit/ATM Card
• Free Mobile Banking
• Free SMS
• No Maintenance charges
• No Transaction charges

2. CUB JUNIOR INDIA:

• Free Welcome Kit
• Free Net Banking
• Free Debit/ATM Card
• Free SMS
• No Maintenance charges
• No Transaction charges

3. CUB NRE SAVINGS:

• Free Welcome Kit
• Free Net Banking
• Free Debit/ATM Card
• Free Mobile Banking
• Free Cheque Book
• Free SMS
• No Maintenance charges
• No Transaction charges

4. CUB PMJDY SAVINGS:

• Free Rupay Card
• Free SMS
• Free Life cover for Rs. 30,000/-
• No Maintenance charges

5. CUB BSBD ACCOUNTS:

The following facilities will be offered to our customers under the revised BSBD account:

• The deposit of cash at bank branch as well as ATMs/CDMs
• Receipt/ credit of money through any electronic channel or by means of deposit /collection of cheques drawn by Central/State Government agencies and departments
• No limit on number and value of deposits that can be made in a month
• Four withdrawals in a month, including ATM withdrawals
• No Cheque book facility
• ATM-cum-Debit card will be issued
• Free passbook facility

28. Service Charges for Forex Transactions

Transaction		Charges
Exports
Advance Remittance for Exports		0.150% subject to a minimum of Rs.1000/- and maximum of Rs.10000/-
Export Bills sent on collection & Export Bill sent directly by the exporter		0.150% subject to a minimum of Rs.1000/- and maximum of Rs.10000/-
Export Bills purchase/discount/negotiation		0.150% subject to a minimum of Rs.1000/- and maximum of Rs.10000/- Interest as per sanction terms
Export Bills submitted against Advance Remittance already received		For advance remittance received through our Bank – No charges For advance remittance received through other bank Less than one year - Rs. 1000 More than one year - Rs. 2500
Advising letter of credit		Rs.1500/- per LC for customer Rs.2000/- per LC for non-customer
Advising amendment		Rs.750/- per amendment for customers, Rs. 1000/- per amendment for non-customers
Transfer of letter of credit		Rs.2000/- for each transfer
Issuance of eFIRC		Rs.100/- per eFIRC
Overdue export bills sent for collection where proceeds are not received in India on or before due date. (Overdue will be reckoned from 01st Jan 2016)		For shipping bills pending for more than 9 months from the date of shipment Rs.500/- per quarter per shipping bill to be recovered at the end of every quarter. Executive-in-charge of IBD will have discretion to refund 50% of charges if details are submitted and matched in EDPMS within 1 month from the date of debit of charges.
Export Advance Remittance pending submission of shipping bills beyond period of one year (For remittances received after 01.01.2016)		Rs.500/- per remittance will be charged every quarter. Executive-in-charge of IBD will have discretion to refund 50% of charges if details are submitted and matched in EDPMS within 1 month from the date of debit of charges.
Issuance of Certificate/Attestation of any other document including invoices		Rs.750/-per document
GR Waiver Certificate		Rs.500/- per certificate
Crystallisation of foreign currency export bill		0.150% subject to a minimum of Rs.1000/- and maximum of Rs.10000/-
Approval for writing off of export bill		Rs.1000/-per request.
Approval for extension of due date for realization of export bill by Bank/RBI		Rs.1000/-per extension per bill.
Reimbursement claim		Rs.1000/- flat
Agency Commission		As applicable to outward remittance/FDD
Handling charges for dishonor/return of export bill unpaid		Rs.1000/- per bill plus other bank charges, if any.
Imports
Import Letters of Credit (Issue)	Validity Upto 3 months Beyond 3 months and upto 6 months Usance Sight 0.65% 0.85% Upto 3 months 0.80% 1.00% Beyond 3 months and upto 6 months 1.10% 1.30% Swift Charges 2000 If the validity or usance period exceeds 6 months – 0.20% will be charged additionally for each 3 month block.			Same Charges Minimum – Rs.5,000/- Swift Charges – Rs.2500/- (For 100% margin deposit, 50% of the charges) In addition, overseas bank charges if any will be recovered In case of cancellation of LC (Before Expiry) Minimum Rs.5000/- will be charged and balance will be refunded to the customer. No refund of SWIFT Charges
Import Letters of Credit (Amendment)	Rs.1000/- flat Swift Charges –Rs.1000/- flat In case of extension of period & increase in amount, charges will be collected as applicable for issuance of LC
Import Bills under Letters of Credit	No Charges
Discrepancy Fee for bills received under LCs	USD 75 or equv
Extension of LC after expiry (within 3 months from expiry date)	Charges will be collected as applicable for issuance of LC. Swift Charges – Rs.1000/-
Import Advance/Direct Remittance	Rs.1000/- flat Rs.1000/- Swift Charges
Import Collection Bills (Non LC Bills)	Rs.0.35%- Min – Rs.1500 Maximum - Rs.50,000
Import Collection Bills (Release of Bills on Free of Payment)	Rs.2000/- flat
Issue of Letter of Undertaking (LOU) for Buyers Credit	3% p.a for the period of LOU subject to a minimum of Rs.5000/- (For 100% margin deposit, 1% p.a. subject to a minimum of Rs.5000/-) Swift Charges Rs.2500/-.
Foreign Bank Guarantee/SBLC	3% p.a for the period of BG subject to a minimum of Rs.5000/- (For 100% margin deposit, 1% p.a. subject to a minimum of Rs.5000/-). In addition, actual commission payable to correspondent bank will be recovered. Swift Charges Rs.2500/-
Co-Acceptance of Import Bills received on collection basis	3% p.a for the period of Co-acceptance subject to a minimum of Rs.5000/- (For 100% margin deposit, 1% p.a. subject to a minimum of Rs.5000/-). Swift Charges Rs.1000/-
For foreign currency import bill required to be forwarded to another bank for remitting proceeds to the remitting bank abroad	Rs. 2000/- per bill
Release order pending receipt of shipping documents under Import LC.	Rs.1000/- for each release order
Custody charge for overdue collection bills	Rs.500/-per quarter for each bill if the bill is not paid within 10 days from the due date/date of presentation. (To be collected at the end of each quarter).
Import Outward Remittances pending submission of Bill of Entry for more than 6 months from the date of remittance	Rs.500/- per import remittance every quarter. Executive-in-charge of IBD will have discretion to refund 50% of charges if details are submitted and matched in IDPMS within 1 month from the date of debit of charges.
Bill of Entry pending for more than 6 months without closure or extension	Rs.500/- per Bill of Entry every quarter. Executive-in-charge of IBD will have discretion to refund 50% of charges if details are submitted and matched in IDPMS within 1 month from the date of debit of charges.
Other Remittances
Outward Remittances (Other than imports)		0.30% subject to a minimum of Rs.500/- and maximum of Rs.50000/- If remittance out of education loan, Max Rs.3000/- Swift Charges – Rs.1000/-
Outward Remittances for Overseas Direct Investments		0.30% subject to a minimum of Rs.5000/- and maximum of Rs.50000/-
Foreign Currency Cheque Issue/FDD		Rs.1000/- per instrument
FCY Cheque Cancellation/Stop Payment		Rs.500/- per Cheque/FDD
Inward Remittances Foreign Direct Investments		0.30% subject to a minimum of Rs.5000/- and maximum of Rs.10000/-
Inward Remittances (Other than Advance Remittance for Exports & Foreign Direct Investments)		Upto Rs.5 lakhs – Rs.500 Above Rs.5 Lakhs upto Rs.10 Lakhs – Rs.1000 Above Rs.10 Lakhs Rs.1500
Merchanting Trade(Inward)			0.30% subject to a minimum of Rs.2000/- and maximum of Rs.25000/-
Merchanting Trade(Outward)			0.30% subject to a minimum of Rs.2000/- and maximum of Rs.25000/- Swift Charges – Rs.1000/-
FCY Cheque Collection		0.50% subject to a min of Rs.1000/- Postage & Overseas bank charges actual to be charged
FCY Cheque Purchase @
Cheque purchase facility stands withdrawn. Collection of cheques denominated in foreign currency will be done subject to availability of collection arrangement with correspondent banks and also at the discretion of the Bank.
FCY Cheque Return Charges		Rs.1000/- flat
Forward Contract Booking		Rs.750/
Forward Contract Cancellation		Rs.500/-
Encashment of foreign travelers cheques, travel card and currency notes		NIL
Sale of foreign currency notes		NIL
Sale of foreign currency travelers cheques and travel cards		NIL
Exchange of one form of foreign exchange into another		1% with a min of Rs.100/- per transaction
Travellers Cheques/Travel CardForeign Currency Encashment Certificate		NIL
Others
Query through SWIFT relating to exports, imports, other remittances		Rs.500/- per message
Opinion Report		Actual cost of opinion report + Rs.500/-
Foreign Inward Remittance Advice/Certificate		Rs.100/- per advice/certificate
Issuance of duplicate debit/credit advices/Swift messages/FIRC/BRC etc.,		Rs.100/- per advice/Swift message
Enquiry related to old record		Rs.250/- upto 5 years Rs.500/- above 5 years

Concession on charges: Request for concession in charges shall be considered by Executive-in-Charge of IBD on case to case basis.

Request for concession in LC commission can be considered by Credit Department without reference to the charges mentioned above with exception to Minimum Charges and Swift Charges.

Other Related Points

• GST on all the above charges will be collected in addition to the charges.
• Foreign currency conversion GST will be collected as notified by GoI from time to time
• For NRI customers –
  • No charges for inward remittances
  • For Outward remittances, charges will be levied as applicable to residents, besides applicable GST for foreign currency conversion
• Staff/(Son/Daughter/Father/Mother/Spouse) of Staff-No charges except foreign currency GST tax
• Retired staff/ Spouse of retired staff - No charges except foreign currency conversion GST
• Son/Daughter/Father/Mother of retired staff - 50% of the charges plus foreign currency conversion GST.

29. Revised Service charges for mortgage loans (Home loans and loans against properties)

Parameter	Existing	Revised
Loan Processing Charges (Non-Refundable)	Affordable Home loan 0.35% Prime Home loan 0.25% Premium Housing loan 0.20% Loan against property 0.50%	Up to 2% of loan amount. The processing/login fee is a one-time non-refundable fee and is collected by the Bank for the purpose of appraising the Application for the Facility and the same is independent of the outcome/result of such appraisal. The processing fee is payable at the time of submitting of the Application, by way of Cheque/Demand Draft favouring the Bank and/or such other mode as may be acceptable to the Bank.
Preclosure of loan facility	Loan Limit Existing charge If the pre-closure amount in case of term loan or loan limit sanctioned is less than Rs. 3.00 crore 3% of outstanding amount in case of term loan / sanctioned limit in case of working capital limits   If the pre-closure amount in case of term loan or limit sanctioned is more than Rs. 3 crore   3% of outstanding amount in case of term loan / sanctioned limit in case of working capital limits	Prepayment charges For the Facility with Fixed Interest Rate at the time of prepayment: 1.     2% on home loan, home improvement loan, Land loan and top up on home loan on amount prepaid and, on all amounts, tendered by the Borrower(s) towards prepayment of the Facility during the last one year from the date of final prepayment. 2.     4% on non-home loan (i.e. Loan Against Property, Non-Residential Premises, Lease Rental Discounting, Non-Home Loan Top Up, Overdraft) on amount prepaid and on all amounts tendered by the Borrower(s) towards Prepayment of the Facility during the last one year from the date of final prepayment. 3.     Nil Prepayment charges on fixed rate loans if loan is booked under priority sector lending and Borrower(s) type is Small or Micro & Loan amount is less than or equal to Rs. 50 lacs. For the Facility with Floating rate at the time of prepayment: 1.     Nil prepayment charges on home loan, home improvement loan and land loan 2.     Nil prepayment charges on top up on home loan where the Borrower(s) is individual and the end use of the loan facility is other than business purpose & the loan is closed with own funds 3.     2% on top up on home loan on amount prepaid and, on all amounts, tendered by the Borrower(s) towards prepayment of the Facility during the last one year from the date of final prepayment where the loan is given to individual Borrower(s) for business purpose and to Non-Individual Borrower(s) for all-purpose. Nil prepayment charges will be applicable to individual Borrower(s) if loan is booked under priority sector lending and Borrower(s) type is Micro or Small Enterprise and the loan is closed with borrowers’ own funds. 4.     Nil prepayment charges on non-home loan (Loan against property, Non-Residential Premises, Lease Rental Discounting, Non-Home Loan Top Up, Overdraft) where loan is given to Individual Borrower(s) and the end use of the Facility is other than business purpose and the loan is closed with borrowers’ own funds. 5.    4% on Non-home loan (Loan Against Property, Non Residential Premises, Lease Rental Discounting, Non Home Loan Top Up, Retail Trade Finance, Overdraft) on amount prepaid and on all amounts tendered by the Borrower(s) towards prepayment of the Facility during the last one year from the date of final prepayment where the loan is given to individual Borrower(s) for business purpose and to non-individual Borrower(s) for all purpose. Nil prepayment charges will be applicable to individual Borrower(s) if loan is booked under priority sector lending and Borrower(s) type is Micro or Small Enterprise and the loan is closed with borrowers’ own funds.

30. New Service charges for mortgage loans (Home loans and loans against properties)

Administrative Charges	0.25% of the loan facility amount or Rs.5000 per property whichever is lower. (The Administrative charges are a one-time non-refundable charge collected by the Lender for the purpose of appraising the valuation and legal verification of property to ascertain suitability of accepting the property for mortgage and the same is independent of the outcome /result of such appraisal.
Commitment charges / Non utilisation fee (Applicable for Overdraft Facility)	Minimum 30% utilization required on a quarterly average basis. Charge of 0.5% will be levied on the deficit amount*. * Not applicable for salaried customers
Part Prepayment Fees	Up to 20% of the outstanding principal amount in a financial year – Nil Beyond 20%, the rate applicable to prepayment charges as mentioned below will be applicable.
Conversion charges	For all floating (adjustable) rate linked term loan to Fixed or floating (adjustable) Rs. 3,000. Semi Fixed / Fixed Interest Rate to Floating rate- 2% of the principal outstanding For Overdraft - 0.5% of the principal outstanding

31. Penal charges specific to mortgage loans

Penal Charges in the event of default/delay in payment/repayment of any part of the loan amount on due date	Penal Charges shall be equal to 5% per annum on the overdue sum from the due date to the actual payment date plus applicable taxes or other statutory levies, if any.
Penal charges for non-collection of property documents post 60 days from the loan closure date	Rs. 1,000/- Every month charges will be levied till collection of documents.
Penal Charges for breach of construction timeline	In case of land loan, the Borrower(s) shall complete the construction of the house within 4 years. If the construction of the house is not completed within 4 years from the first disbursement date the Borrower shall be liable to pay Penal Charges as under 1% annually on the principal outstanding or Rs. 50,000/- whichever is lower or such other amount as may be specified by the Bank from time to time and it shall be levied as per the discretion of the Bank. Penal Charges will be levied every year after 4 years till the construction is completed.
Renewal Fees (Applicable for Drop line Overdraft Product)	Rs. 5,000/-
Loan / Property Document Retreival Charges	Rs. 500/-
Non-refundable charges under Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI)	Rs. 100/-
Auction charges for repossessed asset	At Actuals
Charges incurred in filing legal suit	At Actuals
Charges incurred in SARFAESI proceedings	At Actuals
Enforcement charges	At Actuals
Paper advertisement charges	At Actuals
Professional charges (Advocate Charges/Retainer ship Charges)	At Actuals
Repossession charges	At Actuals
Security guard charges	At Actuals
Cheque/Auto Debit/Electronic Clearing Service bounce charges per transaction	Rs. 500/- charges per bounce/return/dishonor of cheques and /or any payment instruction including AD / ECS / NEFT / E-Cheque or such other amount as may be specified by the Bank from time to time and it shall be levied as per the discretion of the Bank.
Cheque/Repayment mode swap charges	Rs.500
Charges for Amortisation Schedule	Rs. 200/- for physical print out at the branch
Charges for Statement of account	Rs. 200/- for physical print out at the branch
Charges for prepayment statement	Rs. 200/- for physical print out at the branch
Charges for duplicate NOC/No Dues Certificate	Rs. 250/-
Charge for revalidation of no objection certificate	Rs. 250/-
Penal charges for non-submission of the post disbursement documents	Rs. 5000/- per month (will be levied from the day the document is due till the same is not submitted)

32. Revised Service charges for Unsecured Personal loans and Business loans.

Parameter	Existing	Revised
Loan Processing Charges (Non-Refundable)	Processing fee for Personal loans Pre-qualified personal loan (ETB) – 1% of the loan amount Other than Pre-qualified Personal loans ETB – 1% of the loan amount NTB - 2% of the loan amount Processing fee for unsecured Business loans Irrespective of prequalified / normal business loans ETB – 1% of the loan amount NTB - 2% of the loan amount	Up to 2% of loan amount. The processing/login fee is a one-time nonrefundable fee and is collected by the Bank for the purpose of appraising the Application for the Facility and the same is independent of the outcome/result of such appraisal. The processing fee is payable at the time of submitting of the Application, by way of Cheque/Demand Draft favouring the Bank and/or such other mode as may be acceptable to the Bank.
Prepayment of loans	Personal loans Foreclosure of loan is not permitted for 12 months. No penal charges is applicable in case of closure with own funds after 12 months. Unsecured Business loans Foreclosure is not permitted up to 12 months. Upon closure after 12 months, 2.00% on the loan outstanding shall be collected if the entity is a Non- MSE	Personal loans and unsecured business loans Foreclosure is not permitted up to 12 months. 3% of the outstanding principal amount on the date of closure.
Penalty on EMI defaults	2.00% on the overdue EMI amount.	Penal Charges in the event of default/delay in payment/repayment of any part of the loan amount on due date Penal Charges shall be equal to 5% per annum on the overdue sum from the due date to the actual payment date plus applicable taxes or other statutory levies, if any.

33. New Service charges for unsecured personal loans / Business loans

Repayment mode swap charges	Rs. 500
Loan cancellation charges	a. Nil – If the loan is cancelled within the free look/cooling off period (i.e. 15 days from the date of disbursement). Processing Fee will be non-refundable b. If the loan is cancelled after the cooling off period, cancellation fee of Rs. 2,500 is applicable
Part payment charges	3% on the part payment amount being paid. No part payment allowed in the first 12 months.
Cheque/Auto Debit/Electronic Clearing Service bounce charges per transaction	Rs. 500/- charges per bounce/return/dishonor of cheques and /or any payment instruction including AD / ECS / NEFT / E-Cheque or such other amount as may be specified by the Bank from time to time and it shall be levied as per the discretion of the Bank.
Cheque/Repayment mode swap charges	Rs.500
Charges for Amortisation Schedule	Rs. 200/- for physical print out at the branch
Charges for Statement of account	Rs. 200/- for physical print out at the branch
Charges for prepayment statement	Rs. 200/- for physical print out at the branch
Charges for duplicate NOC/No Dues Certificate	Rs. 250/-
Charge for revalidation of no objection certificate	Rs. 250/-
Penal charges for non-submission of the post disbursement documents	Rs. 5000/- per month (will be levied from the day the document is due till the same is not submitted)

34. PENAL CHARGES FOR DELAY IN CREATING EQUITABLE MORTGAGE (EM) CHARGE & HIGH RISK POINTS

Particulars	Existing Penal Rate	Revised Charges
Penal charges for delay in creation of EM charge and other high risk points identified from time to time	1% p.a on the outstanding liability + GST	2% p.a on the outstanding liability + GST