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SERVICE CHARGES FOR DEPOSIT ACCOUNTS

& OTHER MISCELLANEOUS ISSUES


1(A). ISSUANCE OF DEMAND DRAFT/ BANKERS CHEQUE/PAY ORDER

Am!"# S$%& R'()*'+ R%#'*(`)
Up to ` 5,000 ` 25
Above ` 5,000 up to `10,000 ` 40
Above `10,000
` 3.00 per ` 1,000 or part thereof,
Minimum ` 40, Maximum ` 15,000
N#',
). I" -%*' . DD/BC/PO )**!'+ %/%)"*# -%*01 %++)#)"%$ 234 -0%5/'* 6)$$ &' $'()'+.
)). P*#%/'/!# . 7-8'# '97'"*'* 6)$$ &' $'()'+ '9#5% %* #0' -%*' m%: &'.
1(B). DUPLICATION/ REVALIDATION/CANCELLATION DD/BC/PO
N%m' . I#'m* R'()*'+ R%#'*
Issuance of Dupicate !"evai#ation!
$anceation of DD!%$!&'
10( of the Amount
)"oun#e# upto nearest "upees*
Maximum ` 100 per Instrument
;.(A) COLLECTION OF OUTSTATION CHEQUES
V%$!' S%()"/* A/- -!*#m'5*
(`)
O#0'5 -!*#m'5*
(`)
(7'5 )"*#5!m'"#)
Upto `5,000 25 25
Above `5,000 an# upto `10,000 50 50
Above `10,000 an# upto `1.00 +ac 100 100
Above ` 1 ac 150 150
N#', 1. T0' %&(' -0%5/'* 6)$$ &' %$$ )"-$!*)('. N %++)#)"%$ -0%5/'* *!-0 %* C!5)'5
C0%5/'*1 O!# . P-8'# E97'"*'* *0!$+ &' $'()'+ .5m #0' -!*#m'5.
;. F5 !#*#%#)" -0'<!'* -$$'-#'+ #05!/0 %"#0'5 &%"8, Cmm)**)" " 23,23
&%*)*1 ).'. 5'm)##)"/ &%"8 # -0%5/' 234 & -$$'-#)"/ &%"8 # -0%5/' 234 . #0'
%77$)-%&$' 5%#'.
;. (B) COLLECTION OF CHEQUE UNDER SPEED CLEARING
1
V%$!'
S'5()-' -0%5/'* .5
*%()"/* %/- -!*#m'5*
S'5()-' -0%5/'* .5 -!55'"#
%/- %"+ #0'5 -!*#m'5*
Upto an# incu#in, ` 1 ac -i -i
Above `1 ac `150 `150
=. COLLECTION OF BILLS
N%m' . #0' I#'m* R'()*'+ R%#'*
Up to ` 10,000 ` 100 per Instrument
Above `10,000 ` 10 per ` 1,000 or part thereof, Maximum ` 30000
N#', A-#!%$ P*#%/'/!# . 7-8'# '97'"*'* 6)$$ &' $'()'+ '9#5%.
>. HANDLING CHARGES FOR CHEQUES / BILLS RETURNED UNPAID
N%m' . I#'m* R'()*'+ R%#'*
+oca $he.ues!%is ` /5 per che.ue for 0%
` 150 per che.ue for 'ther
` /5 per %i
'utstation $he.ues!%is `150 for A
N#', T0' %&(' -0%5/'* %5' # &' 5'%$)?'+ !"+'5 )"#)m%#)" # #0' 7%5#:. P*#%/'
6)$$ &' 5'%$)?'+ '9#5%.
2. CLOSURE OF ACCOUNTS
T:7'* . A--!"# R'()*'+ R%#'*
0avin,s %an1 A!c
2ith $he.ue %oo1
2ithout $he.ue %oo1
2ith $he.ue %oo1 3 `150
2ithout $he.ue %oo1 3 `100
$urrent A!c ` 250
N#' , @ 4he 0ervice $har,es are evie# if the A!c. is cose# 5ithin one 6ear of openin,1
'9-'7#)"/ " #0' .$$6)"/ -%*' A
a* 2here Account is transferre# to another branch,
b* 'penin, of another A!c in 7oint names,
c* Death of the A!c ho#er )Manua6 #ebite#*,
#* &ensioner 5ithout $he.ue %oo1. )0r. $iti8ens no5 #iscontinue#*
At the time of cosure of accounts 5ithin one 6ear of the openin,, if the baance avaiabe
is insufficient to cover up the above char,es, the avaiabe baance in the account 5i be
forfeite# an# no extra amount to be caime#.
-o char,es 5i be evie# if the account is cose# after one 6ear of openin,.
&osta,e!$ourier an# out of poc1et expenses to be reai8e# on actua basis over an#
above the 0ervice $har,es.
2
B. (%) MINIMUM BALANCE CRITERIA FOR SAVINGS BANK ACCOUNT
(&) MINIMUM BALANCE CRITERIA FOR CURRENT ACCOUNT
N%m' . #0' )#'m* R'()*'+ R%#'*
R!5%$ O#0'5*
In#ivi#ua `1000 `3000
'thers `2500 `5000
C. PENAL CHARGES FOR FALL IN MINIMUM BALANCE
N%m' . I#'m* R'()*'+ R%#'*
(O" Q!%5#'5$: A('5%/' B%$%"-' &%*)*)
0avin,s %an1 5ith $he.ue %oo1
` /5 per .uarter 3 "!0U
`125 per .uarter 9others
0avin,s %an1 5ithout $he.ue %oo1
` 30 per .uarter9 "!0U
` :0 per .uarter9'thers
&ensioners
0% 5ith $he.ue
0% 5ithout che.ue
)faciit6 to senior $iti8ens #iscontinue#*
-i
$urrent A!c ; In#ivi#ua
` 300 per .uarter 3"!0U
`450 &er .uarter9 other
$urrent A!c ; 'ther
` 300 per .uarter 3"!0U
` 450 &er .uarter9 other
N#',
1. 4here is no char,e to be evie# in -o fris 0% Account. <o5ever, if the -o =ris 0% account is
converte# into -orma 0% account, the usua 0ervice $har,es 5ou# be appicabe.
2. 4he above pena char,es are to be reai8e# un#er intimation to the part6.
3. 4he above char,es 5ou# be evie# on Q!%5#'5$: A('5%/' B%$%"-' (QAB*.
1. CHEQUE BOOK CHARGES FOR SB/CURRENT/CC/OD ACCOUNTS
N%m' . #0' I#'m* R'()*'+ R%#'*
MICR C0'<!'*;
0avin,s %an1 A!c, $urrent, $$, 'D A!c
` 3.00 per $he.ue eave
N"DMICR C0'<!'*;
0avin,s %an1 A!$ $urrent, $$, 'D A!c

N%m' . #0' I#'m* R'()*'+ R%#'*
2ith $he.ue %oo1 for ,enera ` 500 for "ura!0U
` 1000 for Metro!Urban
2ith $he.ue %oo1 for pensioners
)concession to 0enior $iti8ens to be #iscontinue#*
-i
2ithout $he.ue %oo1 for ,enera ` 100 for "ura!0U
` 500 for Metro!Urban
2ithout $he.ue %oo1 for pensioners.
)concession to 0enior $iti8ens to be #iscontinue#*
-i
3
M!$#)D-)#: C0'<!'*
N#' ,
I. "$: ;3 )"*#'%+ . '9)*#)"/ B3 -0'<!' $'%('* 6)$$ &' %$$6'+ .5'' # S.B.
)"+)()+!%$ A/-. 0$+'5* )" % -%$'"+%5 :'%5. (R'()*'+)
II. F5 -0'<!'* .5 #0' 7!57*' . P*# D%#'+ C0'<!'* (PDC) .5 !5
&%"81 " -0%5/'* *0!$+ &' $'()'+. H6'('51 .5 5'7%:m'"# . $%"* # #0'5
&%"8*/FI*1 +!&$' . !*!%$ -0%5/'* *0%$$ &' 5'%$)?'+.
E(A) LOCKER RENT,
T:7' I""'5 V$!m'
(C!. I"-0'*)
C$%**).)-%#)" R'()*'+ R%#'*
M'#5/U5&%" B5%"-0 S'm) U5&%"/ R!5%$
B5%"-0
A> 53? 0ma 1100 ?00
% @5? Me#ium 1500 1200
$> 11@: Me#ium 1@00 1500
D 133/ Me#ium 2400 2000
<I 1@2@ +ar,e 1 3000 2500
A 1@/@ +ar,e 1 3000 2500
=> 2/@: +ar,e 2 3:00 3000
B 2@44 +ar,e 2 3:00 3000
< 3?@/ C.+ :000 5000
+ :2?/ A.+ /200 :000
E(B) DISCOUNTS FOR CUSTOMERS PAYING LOCKER RENT IN ADVANCE
L-8'5 R'"# 7%)+ )" A+(%"-' R'()*'+ R%#'*
If +oc1er "ent of 3 6ears pai# in a#vance
D)*-"#)"!'+
If +oc1er "ent of 5 6ears pai# in a#vance
E(C) PENAL CHARGES FOR LOCKER RENT IN DEFAULT
S)?' . L-8'5 R'()*'+ R%#'*
0ma D Me#ium ` 50 per Euarter or part thereof
+ar,e ` /5 per Euarter or part thereof
C+ D A+ ` 125 per Euarter or part thereof
N#' ,
4
a. In case of oss of 1e6s, oc1er rent of one 6ear pus actua cost of repairin, to be reai8e#.
b. 4he oc1er rents are to be reai8e# in the 1
st
.uarter of the financia 6ear i.e. 5ithin 30
th
Fune. An6 #efaut or not maintainin, the re.uisite baance in the account 5i attract penat6
char,es )excu#in, 0taff members of the %an1*.
13. SAFE CUSTODY CHARGES
N%m' . I#'m* R'()*'+ 5%#'*
0crips ` 100 per 0crip or part thereof, Minimum ` 200
0eae# $over ` 500 per $over
0eae# %oxes9 200 cu. $m. ` 10000 per %ox
%an1Gs o5n Deposit "eceipt -i
N#', B9'* %&(' ;33 -!. -m. #:7' "# # &' %--'7#'+
11. ISSUANCE OF SOLVENCY CERTIFICATES
Am!"# S$%& R'()*'+ R%#'*
Up to `25 acs
`10000
Above `25 acs ` 25,000
1;. ELECTRONIC FUND TRANSFER (NOT APPLICABLE NOF)
1=.A NATIONAL ELECTRONIC FUND TRANSFER (NEFT)
1=.B INDODNEPAL NEFT REMITTANCE CHARGES

Am!"# S$%& R'()*'+ R%#'*
Up to `50,000
-'4 A&&+I$A%+A
Above `50,000
R'()*'+ R%#'*
O!#6%5+ R'm)##%"-'*
Up to ` 1 +ac ` 5 per 4ransaction
Above `1 +ac to `2 +ac `15 per transaction
Above `2 +ac `25 per transaction
I"6%5+ R'm)##%"-'*
An6 Amount -i
5
GIH F5 &'"'.)-)%5)'* m%)"#%)")"/ %--!"#* 6)#0 N'7%$ S#%#' B%"8 L#+. (NSBL),
F5 5'm)##%"-' .5m % &%"8 %--!"# )" I"+)% # % &%"8 %--!"# 6)#0 %": &5%"-0 . N'7%$
S#%#' B%"8 L#+.1 #0'5' *0%$$ &' " -0%5/' ).'. #0' 5'm)##%"-' )* .5'' . -0%5/'.
GIIH F5 &'"'.)-)%5)'* "# m%)"#%)")"/ %--!"# 6)#0 N'7%$ S#%#' B%"8 L#+. (NSBL)I
I. #0' &'"'.)-)%5: )* "# m%)"#%)")"/ %": %--!"# 6)#0 NSBL1 %"+ #0' .!"+* %5' +)*#5)&!#'+
#05!/0 #0' -0%""'$ . #0' A/'"#* . NSBL,
()) A$$ 5'm)##%"-'* (-%*0 5'm)##%"-'*/ +)*&!5*'m'"#*) !7 # INR. 21333/D1 % .$%# -0%5/'
. INR. 23/D )"-$!*)(' . S'5()-' T%9 .5 '('5: 5'm)##%"-'.
())) R'm)##%"-'* (-%*0 5'm)##%"-'*/ +)*&!5*'m'"#*) %&(' INR. 21333/D %"+ !7 # INR.
231333/D % .$%# -0%5/' . INR. C2/D )"-$!*)(' . *'5()-' #%9.
T0'*' -0%5/'* 6)$$ &' 7%**'+ " # NSBL 60 )" #!5" 6)$$ *0%5' #0' *%m' 6)#0 #0'
%..)$)%#'+ M"': #5%"*.'5 %/'"-)'*.
T0' '"#)5' %m!"# . -0%5/'* -$$'-#'+ .5m #0' 5'm)##'5 6!$+ &' 5'm)##'+ # N'7%$ %"+
6!$+ .5m % 7%5# . #0' m'**%/' .5m%#. T0!*1 #0' 5'm)##)"/ &%"8* )" I"+)% 5)/)"%#)"/
5'm)##%"-'* !"+'5 #0' *-0'm' 6!$+ #5%"*.'5 .!"+* .5'' . -0%5/'.
1>. REMITTANCE THROUGH JREAL TIME GROSS SETTLEMENT (RTGS)
N%m' . I#'m* R'()*'+ R%#'*
(7'5 #5%"*%-#)")
+oca In5ar# "emittance
A In5ar# "emittance 9 -I+
'utstation In5ar# "emittance
+oca 'ut5ar# "emittance -i
'utstation 'ut5ar# "emittance
` 2 to `5 acs
` 5 acs D above
` 25
` 50
N#', C0%5/'* $'()'+ &: RBI 6)$$ &' &5"' &: &%"8* %"+ 6)$$ "# &' 5'%$)*'+ .5m
-!*#m'5*.
12.1 ECS C0%5/'* .5 C5'+)# C$'%5)"/
N!m&'5 . E"#5)'* R'()*'+ R%#'*
Up to 10,000 entries ` 3 per entr6 H "%I or Destination %an1 $har,es if an6.
Above 10,000 up to 1 ac
entries
` 2 per entr6 H "%I or Destination %an1 $har,es if an6.
Minimum ` 30,000
Above 1 ac entries
`1 per entr6 H "%I or Destination %an1 $har,es if an6.
Minimum ` 2,00,000
12.; ECS C0%5/'* .5 D'&)# C$'%5)"/
N%m' . #0' I#'m* R'()*'+ 5%#'*
Debit $earin,
`1 per transaction H "%I or Destination %an1 $har,es
if an6, Minimum ` 2,/50
6
"eturnin, $har,es on account
of insufficient fun#s
` 50 per entr6 0%
` /5 per entr6 from other t6pes of accounts
Income 4ax "efun# 'r#ers -i
12.= ECS C0%5/'* .5 S7"*5 B%"81 D'*#)"%#)" B%"8 %"+/5 RBI
ECS C0%5/'* R'()*'+ R%#'*
0ponsor %an1
"%I or Destination %an1 $har,es if
an6, Minimum ` 2/50
$har,es pa6abe to Destination %an1 an#!or "%I
'n actua basis, i.e. as 5aive#!b6
the ,ui#eines of "%I
1B. INTERNATIONAL DEBITDC!mDATM CARD SERVICE
N%m' . #0' I#'m*
R'()*'+ R%#'*
Membership fee -i
+ate &a6ment fee
-i
Interest $har,es -i
Annua fee `100 per annum, )5aive# for 1
st
6ear*
"ene5a $har,es `100
$ar# "epacement $har,es `100
=or Dupicate &I- -i
4ransaction $har,e for usin, B%"8* O6" ATM -i
4ransaction $har,e for &artner %an1s in In#ia
connecte# throu,h NFS/VISA N'#658
-i for $ash 2ith#ra5a an#!or
%aance An.uir6
4ransaction $har,e for %an1s connecte# throu,h
VISA N'#658 )Abroa#*
`125 for $ash 2ith#ra5a D ` 30 for
%aance An.uir6
&oint of 0ae )&'0* 4ransaction $har,es
-i
Usin, $ar# at &etro &umps
2.50( or `10 Minimum
Usin, $ar# for "ai5a6 4ic1et "eservations 2.50(
NFS MEMBER BANKS
1
A++A<A%AD
%A-I
2
DACA+'&MA-4
$"ADI4 %A-I
3 IAU" CJ0JA %A-I
4 A-D<"A %A-I 5 I$I$I %A-I :
'"IA-4A+ %A-I '=
$'MMA"$A
/ AKI0 %A-I @ ID%I %A-I ? &U-FA% -A4I'-A+ %A-I
10
%A-I '=
%A"'DA
11 I-DIA- %A-I 12 0'U4< I-DIA- %A-I
13
%A-I '=
MA<A"A04"A
14
I-DIA- 'CA"0AA0
%A-I
15
4AMI+-AD MA"$A4I+A
%A-I
1: $A-A"A %A-I 1/ I-DU0I-D %A-I 1@
4<A $'0M'0 $'9
'&A"A4ICA %A-I +4D.
1? $A4<'+I$ 20 FAMMU IA0<MI" 21 4<A D<A-A+AI0<MI
7
0J"IA- %A-I %A-I +4D. %A-I +4D.
22
$I4J U-I'-
%A-I
23 IA"-A4AIA %A-I 24 <D=$ %A-I
25
$'"&'"A4I'-
%A-I
2:
04A4A %A-I '=
I-DIA
2/ U-I4AD %A-I '= I-DIA
2@ DA-A %A-I 2?
U-I'- %A-I '=
I-DIA
30 CIFAJA %A-I
31 JA0 %A-I 32 %A-I '= I-DIA
8
1C. OTHER ITEMS,
N%m' . I#'m* R'()*'+ R%#'*
Issuance of Dupicate &ass
%oo1!0tatement
`50 +atest entr6
`:0 for previous Antr6!40 entries )per pa,e*
+e#,er =oio $har,es for $4 A!c,
$$ A!c D 'D A!c
`:0 per 40 entries
Issuance of a##itiona 0tatement of
Accounts for $4 A!c, $$ A!c D 'D
A!c
`100 per A##itiona 0tatement
1 month free
"emittance a,ainst 4en#er of
$ash!DD!%$!&'
50( over D above norma rate
Issuance of $a Deposit "eceipts -i
0tan#in, Instructions )0I*
`35!9 per transaction 3 other %ranch.
-ote; If the stan#in, instructions cou# not be carrie# out
for insufficient baance in the account the char,e of `35!9
is to be evie#.
F5'' . -0%5/', D
i* $re#itin, ! "emittin, interest in 4erm Deposits.
ii* $re#itin,!remittin, "ecurrin, Deposit instaments.
iii*$re#itin,! remittin, instament in +oan a!c.
0top &a6ment Instructions ` 50 for 0% per instrument
` /5 for others per Instrument
Max. ` 300
Issuance of 4raveersG $he.ues ` 0.50 per `100, Min `10
Issuin, certificates pertainin, to
securities! ist of securities o#,e#
` 100 per certificate or ist
Issue of -o9#ues certificate!baance
confirmation
` 50 per $ertificate
-i )if 5ithin the 0ervice Area*
Attestation of customerGs si,nature
on share transfer form!+I$ &oic6!U4I
certificates etc.
` 50 per certificate or ist
&hoto Attestation ` 50 per certificate
4urnover commission on Bovt.
%usiness.)vi8. $%A$, $%D4 etc*
L 0? &aise per ` 100,
`45! per chaan for 4ax coection
`:0! per entr6 )pension*
<an#in,!Inci#enta $har,es for In9
operative! Dormant 0% A!c
-i
<an#in,!Inci#enta $har,es for In9
operative! Dormant $urrent A!c )If
baance is beo5 `50,000*
`/5 per haf 6ear
$oection of Deposit receipts on
maturit6 from 'ther %an1
$oectin, ban1 sha ev6 char,es as appicabe to
remittances. In case of oca coection, char,es as
appicabe to %an1ersG $he.ue, be evie#
0harin, of commission 5hen
instrument is coecte# throu,h
branch of another ban1
$ommission on 50;50 basis, i.e. remittin, ban1 to char,e
50( D coectin, ban1 to char,e 50( of the appicabe
rate.
+oss of 4o1en ` 100 per to1en
&resentation of Usance %is for
acceptance
` 100 per %i
9
N%m' . I#'m* R'()*'+ R%#'*
An.uir6 reatin, to o# recor#
)An.uir6 upto 12 months o# 3 =ree*
An.uir6 above 1 6ear upto 3 6rs `100
Above 3 6rs but upto 5 6ears ` 200
Above 5 6rs ` 500
&enat6 char,es for #epositin,
#ea6e# instaments in "!D account
`1.50 per `100 per month upto 5 6ears
`2.00 per `100 per month9more than 5 6ears
Deposit of cash in bu1
`100 per 1000 pieces of currenc6 notes of an6
#enomination
0ein, of &rospectus D Appication
=orms for A#ucationa Institutions !
<ousin, %oar#s ! 'ther
'r,ani8ations
4o be ne,otiate# 5ith the correspon#in, Institution!
%oar#!others at the Mona 'ffice +eve on case to case
basis
1K. SERVICE CHARGES OF JANYFHERE BANKING FACILITY
P%5%m'#'5 S$%& R'()*'+
F)"%"-)%$ T5%"*%-#)"*
$ash Deposit Upto 25000 -I+
Above 25000 -I+
$ash 2ith#ra5a Upto 25000 -I+
Above 25000 -I+
4ransfer of fun#s )to be
#ebite# from #ra5eeGs
account*
Upto 1 ac -I+
Above 1 ac upto 2 ac
Above 2 ac
$earin, An6 amount -I+
0pee# $earin, Upto 1 ac -orma $har,es as #efine#. -o
a##itiona char,es un#er NAn65here
%an1in,G.
Above 1 ac
A$0 "eturn for insufficient
fun#
0% Accounts -orma $har,es as #efine#. -o
a##itiona char,es un#er NAn65here
%an1in,G.
'ther Accounts
Issue of DD ! -A=4 !
"4B0
A customers -orma $har,es as #efine#. -o
a##itiona char,es un#er NAn65here
%an1in,G.
N"DF)"%"-)%$ T5%"*%-#)"*
0tatement char,es A customers -I+
U7+%#)"/ . 7%**&8 A$$ -!*#m'5* -I+
0top &a6ment Instructions 0% Accounts -orma $har,es as #efine#. -o
a##itiona char,es un#er NAn65here
%an1in,G.
'ther Accounts -orma $har,es as #efine#. -o
a##itiona char,es un#er NAn65here
%an1in,G.
S#%.. A--!"#* -o char,es un#er OAn65here
ban1in,P
1E. CHEQUE TRUNCATION SYSTEM (CTS) A RECOVERY OF PROCESSING CHARGES
10
As per #irectives of "eserve %an1 of In#ia, foo5in, service char,es are intro#uce# 5ith effect from
31.3>. ;311 for instruments presente# in $40 are as un#er;
&resentin, %an1;9 ` 0.50 per instrument
Dra5ee %an1; ` 1.00 per instrument
NOTE,
P*#%/' & T'$'/5%70 %"+ #0'5 !# . 7-8'# '97'"*'* # &' 5'%$)?'+ " %-#!%$
&%*)* ('5 %"+ %&(' #0' S'5()-' C0%5/'*1
JSERVICE TAL to be evie# extra as per extant ,ui#eines receive# from Bovernment
from time to time.
MMM
11
SERVICE CHARGES ON CREDIT RELATED ISSUES
PROCESSING FEES & PREPAYMENT FEES FOR RETAIL CREDIT PRODUCTS ,
S$
N
S-0'm'
REVISED PROCESSING
CHARGES
P5'7%:m'"#
P'"%$#:
D-!m'"#
%#)" C0%5/'*
M5#/%/'
C0%5/'*
I"*7'-#)" &
S!7'5()*)"
C0%5/'*
1 A %an1 "ent Upto "s. 25 ac ; 1(,
Minimum "s. 2500

Q "s. 25 ac to "s. 150 ac ;
0.50(, Min. "s. 25,000 R
Q "s. 150 ac ; 0.25(,
Minimum "s. /5,000
2( of
'utstan#in,
%aance on6
in case of
ta1eover
Appicabe as
per char,es
prescribe#
un#er 7%5% =.>
Appicabe as
per char,es
prescribe#
un#er 7%5% =.>
Appicabe
as per
char,es
prescribe#
un#er 7%5%
=.2
2
A %an1
&ropert6
3
A %an1
4ra#e
"s. 2009 per ac,
Minimum "s. 1,000
Maximum "s. 20,000
2( of
'utstan#in,
%aance on6
in case of
ta1eover
Appicabe as
per char,es
prescribe#
un#er 7%5% =.>
Appicabe as
per char,es
prescribe#
un#er 7%5% =.>
Appicabe
as per
char,es
prescribe#
un#er 7%5%
=.2
4
A%an1
$ommercia
Cehice
=inance
0.50( of oan amount
Minimum 3 "s 1000!9
2( of
'utstan#in,
%aance on6
in case of
ta1eover
Appicabe as
per char,es
prescribe#
un#er 7%5% =.>
Appicabe as
per char,es
prescribe#
un#er 7%5% =.>
-I+
5
$ar +oan
)=or saarie#
cass D for
others*
1( of +oan amount,
Minimum "s. 500
)Aahaba# %an1
Ampo6ees9 -I+*
2( of
'utstan#in,
%aance on6
in case of
ta1eover
-i -A -I+
:
A %an1
Mobi1e
"s. 500!9
2( of
'utstan#in,
%aance on6
in case of
ta1eover
-i -A -I+
/
<ousin,
+oan
0.50( of +oan amount,
Maximum "s.10,000
)Aahaba# %an1
Ampo6ees9 -I+*
-I+ -i -A
-I+
@
<ousin, oan
to +I$
Ampo6ees !
'fficers !
A,ents
?
<ousin,
=inance
0cheme for
-"I!&I'
10
&remium
<ousin,
=inance
0cheme for
<-Is
"s 25000!9 -I+ -i -A -I+
11 <ouse
=urnishin, !
0.50( of +oan amount,
Minimum "s.200
-I+ -i -A -I+
12
S$
N
S-0'm'
REVISED PROCESSING
CHARGES
P5'7%:m'"#
P'"%$#:
D-!m'"#
%#)" C0%5/'*
M5#/%/'
C0%5/'*
I"*7'-#)" &
S!7'5()*)"
C0%5/'*
"epairin,
+oan
)Aahaba# %an1
Ampo6ees9 -I+*
12
0hort term
oan for
appication
mone6
)finance# b6
oca housin,
boar#!authoriti
es for
aotment of
resi#entia
pot!fat!
houses*
` 200!9 -I+ -i -A -I+
13 0ara +oan 1( of +oan amount,
Minimum "s. 500
2( of
'utstan#in,
%aance on6
in case of
ta1eover
-i -A -I+
14
&ersona
+oan
)Doctors*
15
&ersona
+oan
)&ensioners*
0.50( of +oan amount,
Minimum "s.200
)Aahaba# %an1
Ampo6ees9 -I+*
2( of
'utstan#in,
%aance on6
in case of
ta1eover
-i -A -I+
1:
&ersona oan
to +I$
empo6ees !
'fficers !
A,ents
1( of +oan amount,
Minimum "s. 500
2( of
'utstan#in,
%aance on6
in case of
ta1eover
-i -A -I+
1/
'ver#raft
0cheme for
+I$ officers
1@
+oan a,ainst
-0$!IC&
0.50( of +oan amount,
Minimum "s.200
)Aahaba# %an1
Ampo6ees9 -I+*
2( of
'utstan#in,
%aance on6 in
case of
ta1eover
-i -A -I+
1? 'D in 0% A!c
-I+ -I+
-I+ -A -I+
20
A#ucation
+oan
21 B6an Deepi1a
22 Bo# +oan
23
"everse
Mort,a,e
0cheme
'ne monthGs annuit6
maximum ` 10,000!S
2( of
'utstan#in,
%aance on6
in case of
ta1eover
-i -A -I+
24
A%an1 I&'!
=&' =inance
0cheme
0aar6 tie9up cases 3 -I+,
'thers 9 ` 500!9
-I+ -i -A -I+
13
&rocessin, fee 5i not be pa6abe in case of oan to Aahaba# %an1 Ampo6ees ) 0ervin, D
"etire# * un#er <ousin, +oan, <ouse =urnishin, +oan, $ar +oan, A%an1 Mobi1e +oan,
&ersona +oan)&ensioners*, "everse Mort,a,e 0cheme, A%an1 I&'! =&' =inance 0cheme
D +oan a,ainst -0$!IC&.
&repa6ment &enat6, 5herever prescribe# 5i be char,e# on6 in case of ta1eover of oan b6
other %an1 ! =I.
Inspection D 0upervision $har,es 5i be appicabe on6 in case of A%an1 "ent, A%an1
&ropert6 D A%an1 4ra#e.
Documentation D Mort,a,e char,es are pa6abe on6 in case of A%an1 "ent, A%an1
&ropert6 , A%an1 4ra#e D $ommercia Cehice =inance 0cheme.
In "etai schemes 5here mort,a,e char,es are not appicabe )-A*, actua char,es for
creation of mort,a,e i.e. fees pa6abe for -A$, re,istration 5ith $entra "e,istr6, cost of
stamp, =ees pa6abe for re,istration of mort,a,e etc 5i be borne b6 the borro5er!)s*
In case of annua revie5 ! rene5a of term oan un#er above "etai 0chemes at existin, eve
)5herever appicabe* no char,es 5i be reai8e#.
I" -%*' . %""!%$ 5'()'6 / 5'"'6%$ . O('5+5%.# L)m)# !"+'5 A$$B%"8 P57'5#:1 A$$B%"8
T5%+' & Cmm'5-)%$ V'0)-$' F)"%"-' S-0'm' P5-'**)"/ -0%5/'* 6)$$ &' %77$)-%&$' %*
7'5 S$. N.;1 = %"+ > 5'*7'-#)('$:.
14
SERVICE CHARGES ON CREDIT RELATED ISSUES
;.1. SERVICE C HARGES FOR AGRICULTURE CREDIT

PROCESSING FEES / UP FRONT FEES FOR SANCTION/RENEFAL OF ADVANCES
C5'+)# $)m)#* R'()*'+ R%#'*
Upto `3 ac -i
Above `3 ac
I$$ 3 -I+
'4<A"0 - `225.00 per ac or part thereof
"estructurin, of Debt -I+
A+0- S%"-#)" & S05# T'5m L%"
Above `20,000 an# upto `50,000 `1000
Above `50,000 an# upto `25 acs 0.25( of the A#9hoc!0hort 4erm +oan, Minimum `1000,
Above `25 acs an# upto `5 crore 0.25( of the A#9hoc!0hort 4erm +oan, Min. `20,000
Above `5 crores
0.25( of the A#9hoc!0hort 4erm +oan,
N#', U7.5"#/P5-. F''* .5 5'"'6%$/5'()'6 . #'5m $%" !"+'5 A/5$. D NIL
;.;. CHARGES FOR CREATION OF MORTGAGE & DOCUMENTATION CHARGES
C5'+)# $)m)#* (F & NF) M5#/%/' C0%5/'* D-!m'"#%#)" C0%5/'*
R'()*'+ R%#'* R'()*'+ R%#'*
Up to `2 acs
-I+
-I+
Above `2 acs but up to `5 acs
I$$ 3 -I+
'4<A"0 9 `1000.00
Above `5 acs but upto `10 acs
I$$ 3 -I+
'4<A"0 9 `2000.00
Above `10 acs but upto `25 acs
I$$ 3 -I+
'4<A"0 9 `3000.00
Above `25 acs but upto `1 crore
I$$ 3 -I+
'4<A"0 9 `5000.00
Above `1 crore `10,000
I$$ 3 -I+
'4<A"0 9 `10000.00
;.=. INSPECTION AND SUPERVISION CHARGES
15
C5'+)# L)m)#* R'()*'+ 5%#'*
Upto `50,000 -I+
Above `50,000 upto ` 3 ac
I$$ 3 -I+
'4<A"0 9 `500 p.a.
Above ` 3 ac
I$$ 3 -I+
'4<A"0 9 `500 per ac p.a.
)Maximum `12000.00*
;.>. A": #0'5 -0%5/'* !"+'5 A/5)-!$#!5%$ "# +'.)"'+ 0'5')" %&(' m!*# &' $'()'+ %* 7'5
-0%5/'* !"+'5 #0'5 %+(%"-'*.
NOTE, F5 -"-'**)"* !"+'5 PSC 7$'%*' 5'.'5 S'-#)" E 1.C
16
SERVICE CHARGES ON CREDIT RELATED ISSUES
OTHER ADVANCES ELCLUDING AGRICULTURE & RETAIL CREDIT
=.1. PROCESSING FEES FOR SANCTION/RENEFAL OF ADVANCES
(BOTH FUNDED & NON FUNDED)
GOTHER THAN AGRICULTURE & RETAIL CREDITH
N%m' . #0' I#'m* R'()*'+ R%#'*
&roposas up to `25,000 -i
&roposas above `25,000 up to `2 acs `300 per ac or part thereof min. `300
&roposas above `2 acs `350 per ac or part thereof
"estructurin, of Debt /5( of the usua char,es
A+0- S%"-#)" & S05# T'5m L%"
Above `20,000 an# upto `50,000 `1000
Above `50,000 an# upto `25 acs 0.50( of the A#9hoc ! 0hort 4erm +oan,
Min. `1000
Above `25 acs an# upto `5 crore 0.50( of the A#9hoc!0hort 4erm +oan,
Mini. `22,000
Above `5 crores
0.50( of the A#9hoc!0hort 4erm +oan,
=.;. LEAD BANK CHARGES,
$har,es for ea#ership in the $onsortium Accounts, incusive of the accounts, 5here the %an1
is the ea#er in financin, 4erm +oan
N%m' . #0' I#'m* R'()*'+ 5%#'*
$har,es for +ea#ership in
the consortium Account
a. 0.30( p.a. of the a,,re,ate fun#e# & "" .!"+'+
imits from the ban1in, s6stem, ne,otiabe but not
beo5 0.150(,
b. In case of sic1 units! units un#er restructurin,, 0.130(
of the a,,re,ate fun#e# imit from the ban1in, s6stem
both 5or1in, capita an# term oan 5i be reai8e#.
=.=. UPFRONT/PROCESSING FEES FOR TERM LOANS
(OTHER THAN AGRICULTURE AND RETAIL CREDIT)
17
N%m' . #0' I#'m* R'()*'+ R%#'*
F5'*0 T'5m L%" sanctione# excu#in, oans
sanctione# un#er "etai $re#it (A* U7.5"#)
Upto ` 25000; -i
Above ` 25000 an# upto
`2 +ac ; `300 )M0As 9 -i *R
Above `2 +ac ; 1 (
0tan#b6 cre#it assistance to5ar#s re#emption of
$& issue#!to be issue# b6 the borro5er )to be
char,e# on pro9rata for a Min. perio# of 3 months*
1( per annum basis
"evie5! "ene5a of 4erm +oan
(A* P5-'**)"/ F''*)
` 100 per `1 +ac,
Minimum ` 1000,
Maximum `2,50,000
Axcept "etai $re#it
) M0A!'ther &0$ 3 -I+ *
=.>. CHARGES FOR CREATION OF MORTGAGE & DOCUMENTATION
( OTHER THAN AGRICULTURAL CREDIT BUT INCLUDING RETAIL CREDIT LOANS)

C5'+)# $)m)#* R'()*'+ R'()*'+
D-!m'"#%#)"
-0%5/'*
R'()*'+ M5#/%/'
-0%5/'*
Up to ` 50000 -i -i
`50,000 to `2 acs `1500 `1000
Above `2 acs but up to `5 acs `2500 `2,500
Above ` 5 acs but upto ` 20 acs `5000 `5000
Above `20 acs but upto `1 crore `10000 `10000
Above `1 crore `15000 `20000
N#',
%) I" -%*' . R'#%)$ C5'+)# S-0'm'*1 +-!m'"#%#)" & m5#/%/' -0%5/'* %5' %77$)-%&$' %*
7'5 %.5'*%)+ 5%#'*.
&) C0%5/'* .5 -5'%#)" . m5#/%/' 6)$$ &' -%$-!$%#'+ " #0' %m!"# . #0' L%" %"+ "#
" #0' (%$!' . #0' 757'5#:1 )55'*7'-#)(' . #0' "%#!5' . #0' -5'+)# .%-)$)#:.
-) C*# . *#%m7 %"+ #0'5 '97'"*'* 6)$$ &' &5" &: #0' &556'5 *'7%5%#'$:.
+) F0'5' " M5#/%/' )* 757*'+1 "$: D-!m'"#%#)" C0%5/'* 6!$+ &' #%8'".
') A-#!%$ -0%5/'* )"-$!+)"/ 5'/)*#5: !"+'5 C'"#5%$ R'/)*#5: *-0'm' # &' $'()'+ .5m
&556'5.
.) M5#/%/' -0%5/'* )" -%*' . *!77$'m'"#%$ m5#/%/' *0!$+ &' 5'%$)?'+ %# 5%#' . 23 4
. "5m%$ -0%5/'*
=.2. INSPECTION & SUPERVISION CHARGES
(OTHER THAN AGRICULTURAL CREDIT BUT INCLUDING LOANS UNDER RETAIL CREDIT)
18
R'()*'+ C5'+)# L)m)#* R'()*'+ 5%#'*
Upto `50,000 -I+
Above `50,000 upto `2 ac
`500)fixe#*!Etr3"!0U!U
`1000 )fixe#*!Etr for 9 Metro
Above `2 ac to 1cr
`/50 !Etr 3 "!0U!U ,
1200!Etr for Metro
Above 1cr to ` 5 cr ` 3500 ! Etr for a centers
Above ` 5 cr ` /500 ! Etr for a centers
N#', I" -%*' . R'#%)$ C5'+)# S-0'm'*1 I"*7'-#)" & S!7'5()*)" -0%5/'* %5' %77$)-%&$' %*
7'5 %.5'*%)+ 5%#'*.
=.B. COMMITMENT CHARGES
Cmm)#m'"# C0%5/'* R'()*'+ 5%#'*
=or =un#e# 2or1in, $apita +imits of
`1 $rore D above
1( p.a. on the unutii8e# portion of the
operatin, 5or1in, capita imits sub7ect to a
toerance eve of 15( of such imits
=.C. CHARGES ON PURCHASE/DISCOUNT OF CHEQUES/BILLS
=.C.(%) C0%5/'* " 7!5-0%*'/+)*-!"# . C0'<!'*
N%m' . I#'m* R'()*'+ 5%#'*
$har,es on purchase!
#iscount of $he.ues
50 paisa ( pus $oection $har,es as appicabe to
coection of $he.ues ! %is for respective sabs D out of
poc1et expenses.
=.C.(&) C0%5/'* " 7!5-0%*'/+)*-!"# . B)$$*
)) DA B)$$*,
N%m' . I#'m* R'()*'+ R%#'*
DA %is Interest ! %++)#)"%$ interest, as appicabe for 5or1in, capita a#vances
to the respective borro5er, from the #ate of purchase ti #ue #ate pus
coection char,es, service char,es an# out of poc1et expenses as
appicabe to bis for coection for the respective sab, are to be reai8e#.
-o a##itiona #iscountin, char,es to be reaise# separate6.
F5 DA B)$$*,
1. A77$)-%&$' )"#'5'*# 5%#' &%*'+ " %m!"# . &)$$ %"+ 5)*8 5%#)"/ %* 7'5 I"#'5'*# R%#'
C)5-!$%5 .5m #0' +%#' . +)*-!"#)"/ &)$$* #)$$ #0' +%#' . m%#!5)#: *0%$$ &' -0%5/'+.
;. A++)#)"%$ )"#'5'*# @ ;4 ('5 "5m%$ 5%#' 6)$$ &' 5'-('5'+ .5 #0' 7'5)+ . +'.%!$# .5m
#0' &556'5.
=. P5'*-5)&'+ *'5()-' -0%5/' .5 -$$'-#)" . &)$$* %"+ !# . 7-8'# '97'"*'* 6)$$ &'
5'%$)?'+.
))) DP B)$$*,
N%m' . I#'m* R'()*'+ R%#'*
D& %is Discount char,es L 0.:0( of the %i Amount )for a perio# not excee#in,
/ #a6s* pus norma coection char,es! 0ervice $har,es )-orma Interest
rate be6on# / #a6s* pus out of poc1et expenses 5i be reai8e#.
19
=.K. COMMISSION ON BANK GUARANTEE
=.K.(%) P'5.5m%"-' G!%5%"#''
Am!"# S$%& R'()*'+ 5%#'*
Up to ` 5 $rore
`250 H 0.:0( per Euarter 5ith minimum of 2 Euarter,
Minimum `:00
Above ` 5 $rore up to ` 10
$rore
`:00 H 0.:0( per Euarter 5ith minimum of 2 Euarter
Above ` 10 $rore `1000 H 0.:0( per Euarter 5ith minimum of 2 Euarter
=.K.(&) F)"%"-)%$ G!%5%"#''
Am!"# S$%& R'()*'+ 5%#'*
Up to ` 5 $rore
`250 H 0.@0( per Euarter 5ith minimum of 2 Euarter,
Minimum `:00
Above ` 5 $rore up to ` 10 $rore `:00 H 0.@0( per Euarter 5ith minimum of 2 Euarter
Above ` 10 $rore `1000 H 0.@0( per Euarter 5ith minimum of 2 Euarter
N#', I" -%*' . "' #)m' B%"8 G!%5%"#'' .5 m5' #0%" ` ; $%-* ("# -('5'+ &: 1334 m%5/)" )"
#0' .5m . FDR)1 75-'**)"/ .'' %* %77$)-%&$' *0!$+ &' 5'%$)?'+ %# #0' #)m' . .)5*# *%"-#)".
=.K. (-) G'"'5%$
S$
N.
N%m' . I#'m* R'()*'+ R%#'*
)) R'"'6%$ .
G!%5%"#''
4he $har,es 5i be the same as those appicabe for issuance of
fresh Buarantees, except that the caim perio# be not char,e# for,
if the rene5a is effecte# before the expir6 #ate of the ori,ina
Buarantee. In essence the char,es shou# be on tota fina caim
incu#in, the enhance perio# pus caim perio#.
))) Cmm)**)" "
Am'"+m'"#*
=or amen#ments other than amount, perio# an# purpose of
Buarantee, commission at the fat rate of ` 1,000 5i be recovere#.
)))) G!%5%"#'' "
%--!"# . 7%:m'"#
. S#%#!#5: +!'*
=ie# functionaries ma6 consi#er proposa for issuin, Buarantees
favourin, $ustoms!Axcise Authorities for pa6ment of 0tatutor6
#ues. As the ris1 factors for issuin, of such t6pe of Buarantees are
ver6 hi,h, no concession in $ommission 5i be permitte# for
issuin, such t6pe of Buarantees. <o5ever, Buarantee shou# not
be issue# in favour of Income 4ax!0aes 4ax authorities for pa6ment
of statutor6 #ues 5ithout obtainin, specific permission from <ea#
'ffice.
)() G!%5%"#'' %/%)"*#
1334 C%*0
C('5/FDR
25( of -orma $har,es to be evie# 5ith a minimum of `/00!9. As
this is area#6 a $oncessiona rate, no further concession 5ou# be
permitte# at fie# eve.
20
S$
N.
N%m' . I#'m* R'()*'+ R%#'*
() C%"-'$$%#)" C0%5/' It is observe# that borro5ers are reuctant to arran,e for return of
ori,ina Buarantee, #u6 expire#, from the beneficiaries, as a resut
of 5hich the %ranches are not ta1in, prompt action to #eete the
outstan#in, Buarantees from the "e,ister, 5hich bear ne,ative
impact on computation $apita A#e.uac6.
In this re,ar#, incase of Buarantees execute# in favour of parties
other than Bovernment Departments, the %ranch!es 5i be re.uire#
to sen# a "e,istere# +etter to the beneficiar6, provi#e# no #eman#
or caim has been ma#e b6 the beneficiar6 un#er the Buarantee
5ithin its vai#it6 perio#, in#icatin, therein cear6 that if the ori,ina
Buarantee is not returne# to %an1 5ithin 15 #a6s after the #ate of
expir6 thereof, the %an1 5i #eete the sai# outstan#in, Buarantee
from its "e,ister!%oo1 of Accounts. Accor#in,6, the foo5in,
canceation char,es 5i be reai8e# from the respective borro5ers
for non9return of ori,ina Buarantee after the #ate of expir6. 4he
reai8ation of $anceation $har,e 5i not be appicabe for
Buarantees issue# to Bovernment Authorities.
Am# . G!%5%"#'' R'()*'+ 5%#'*
Upto ` 10 acs ` 1000 per Buarantee
Above ` 10 acs but beo5 ` 20 acs ` 2000 per Buarantee
` 20 acs an# above ` 5000 per Buarantee
() R'.!"+ . G!%5%"#''
Cmm)**)"
=or Buarantees ten#ere# for canceation, before the #ate of
expir6, on6 a portion of the Buarantee $ommission area#6
recovere# be refun#e# to the $ustomer. Accor#in,6 an amount
compute# at haf the ori,ina6 char,e# rate for the unexpire# perio#
of Buarantee in mutipe of 3 months ma6 be refun#e#.
()) A++)#)"%$
Cmm)**)"
A##itiona $ommission at appicabe rates 5i be evie# on the
exten#e# perio# of vai#it6 of Buarantees #ue to restraints impose#
on %an1s b6 $ourt or#ers, at the instance of $ustomers, form
meetin, their obi,ation to beneficiaries 5hen the Buarantee is
invo1e#. In or#er to protect the %an1 a,ainst possibe #isputes from
customers, the foo5in, cause ma6 be incorporate# in the $ounter
In#emnit6 to be obtaine# from customers;
That if for any reason the Bank is prevented by any action initiated
by me/us from making payment to the beneficiary of the
Guaranteed amount, I/We will also be liable to pay the Bank
Guarantee ommission for the period for which I/We delay by such
action, the payment of discharge of the Guarantee!"
=.K.(+) L'##'5 . Cm.5# )" $)'! . B%"8 G!%5%"#''
+etter of $omfort in ieu of %an1 Buarantee L 3( p.a. 5ith a minimum for 2 Euarters 5ou# be
evie#.
=.E. CHARGES ON INLAND LETTER OF CREDIT (LC)
G'"'5%$ ,
21
$ommission must be char,e# 5hen an +$ is opene# D amen#e# an# no refun# ma6 be
ao5e# in an6 circumstances 5hatsoever, 5hether a cre#it is cancee#, part6 avaie# of or
expires 5ho6 un9avaie# of.
2hen the Inan# +etter of $re#it opene# b6 a ban1 is a#vise#!confirme# b6 its o5n branch,
the a#visin,!confirmin, branch of the ban1 5i not be entite# to the a#visin,!confirmin,
commission.
In case of invocation of Buarantee, #evovement of +etter of $re#it an# if it is not re,uari8e#
5ithin a perio# of 30 #a6s, a such $oncessions ao5e# if an6 5i be 5ith#ra5n.
'ut of poc1et expenses such as posta,e, tee,ram, teex, fax cabe etc sha be coecte# in
a##ition to the usua char,es as #etaie# beo5;

N#' , R%#'* %5' &%*'+ " *)?' . I"+)()+!%$ L/C 7'"'+.

N%m' . #0' I#'m* R'()*'+ R%#'*
A# #0' #)m' . 7'")"/
=.E.(%) Cmm)#m'"# C0%5/'
)=or the perio# of iabiit6 i.e. from the
#ate of openin, of cre#it to the ast
#ate of its vai#it6*
0.30( of the +$ amount for ever6 perio# of three
months or part thereof.
=.E.(&) U*%"-' C0%5/'* (%--5+)"/ # #0' #'"5 . #0' &)$$ %# #0' 5%#' .)
)a* %is up to / #a6s 0.30( of the %i, Min. ` 500
)b* %is over / #a6s to 3 months 0.:0( of the %i Min. `/50
)c* In excess of 3 months. 0.:0( of the %i for the first three months pus 0.30(
p.m. in excess of three months, Min. `1000
22
=.13. PREPAYMENT CHARGES FOR LOANS OTHER THAN RETAIL CREDIT
T'5m L%" %m!"# R'()*'+ R%#'*
A oans upto `10.00 ac In case of 4erm +oan, if i.ui#ate# out of o5n source! o5n
,eneration9 N)$.
In case avaiin, oan from some other %an1!institution9 2( of the
outstan#in, oan pus tax.
A oans above `10.00 ac 2( of the outstan#in, oan pus tax.
NOTE,
P*#%/' %"+ #0'5 O!# . P-8'# E97'"*'* # &' 5'%$)?'+ " %-#!%$ &%*)* ('5 %"+
%&(' #0' S'5()-' C0%5/'*.
JS'5()-' T%9 # &' $'()'+ '9#5% %* 7'5 -)5-!$%5)?'+ )"*#5!-#)".
MMM
SERVICE CHARGES ON FOREIGN ELCHANGE RELATED ISSUES

N%m' . #0' I#'m* R'()*'+ R%#'*
=.E.(-) Am'"+m'"# C0%5/'
%. I. LC )* %m'"+'+ &: 6%: .
)"-5'%*' )" %m!"#
%oth usance D commitment char,es sha be evie#
on the amount of increase. Min. `1000.00
&. I. LC )* %m'"+'+ &: 6%: .
'9#'"*)" . 7'5)+.
0.30( of the +$ amount for ever6 exten#e# perio# of
three months or part thereof. Min. `1000
-. Am'"+m'"# #0'5 #0%" %&(' `1000 per occasion
=.E.(+) R'($()"/ L'##'5 . C5'+)#
%. O7'")"/ C0%5/' -orma +$ openin, char,e
&. R')"*#%#'m'"# C0%5/' 'n each reinstatement, usance char,es accor#in, to
the tenor as state# above an# $ommitment char,e
of 0.25( on the reinstate# amounts on6.
=.E.(') LC %+()*)"/ -0%5/'
)2hen a#visin, Inan# +$ opene# b6
$orrespon#ent %an1s, 5hich sha
incu#e +etter of Authorit6!'r#er to
ne,otiate but #oes not carr6
confirmation, the a#visin, ban1 sha
ev6 a#visin, commission*
0.10( on each +$,
Minimum `1000
=.E.(.) LC C".)5m%#)" -0%5/'
)If, a#visin, ban1 confirms a
$orrespon#entGs cre#it it shou# coect
a commitment char,e for the fu
vai#it6 of the cre#it*
L 0.20( for ever6 .uarter or part thereof, Min.
`1000 as 5e as Usance char,es accor#in, to the
tenor of the bi at the rate specifie# in %.3.? )b*
above.
=.E.(/) A+()*' . #5%"*.'5 )" #5%"*.'5%&$' LC*
)2hether fu or part an# 5hether
en#orse# on the cre#it itsef or not*
` 500 for each a#vice of transfer
=.E.(0) A--'7#%"-' C0%5/'
($ommission on +$ cain, for usance
bis to be #ra5n on an# accepte# b6
the ban1)
0.25( of the bi per month, Min. ` 1000
=.E.()) LC N'/#)%#)"
-e,otiatin, %ranch sha ev6 ne,otiatin, char,es at the foo5in, rates ,
B)$$* , )a* Up to ` 2.50 acs 0.40( min. `1333
)b* 'ver ` 2.50 acs 0.25(, Min. ` 2333
=.E.(N) C0%5/'* .5 /)()"/ /!%5%"#''
.5 +)*-5'7%"# +-!m'"#*.
0.30(, Min. ` 1000
=.E.(8) C$'%" 7%:m'"# 5'-')('+
!"+'5 LC
` 500 fat
=.E.($) A##'*#%#)" of $ommercia
Invoice subse.uent to
ne,otiation
` 50 per invoice Min. `100 in each occasion.
=.E.(m) N"D7%:m'"#/ ""D
%--'7#%"-' of #eman#!usance
bis of exchan,e on
presentation!on #ue #ate
0.15( Min. `200
=.E.(") A$$-%#)" . *!&D$)m)# `5,000 p.a. for aocation of imits to each branch
=.E.() C0%5/'* .5 5'#)5'm'"# .
&)$$* !"+'5 LC*.
0.25( Minimum ` 500
=.E.(7) L'##'5 . Cm.5# )" $)'! .
L'##'5 . C5'+)# 5 B!:'5*
C5'+)# 5 S#%"+&: L/C
$har,es appicabe for =inancia ,uarantee 5i be
appicabe
23
S'5()-' T%9 " Cmm)**)" Am!"#1 60'5'('5 %77$)-%&$'1 SFIFT C0%5/'* / O!# . P-8'#
E97'"*'* %# A-#!%$*1 C!5)'5/P*#%/' '#-. C0%5/'*1 E%5$: / L%#' +'$)('5: / S6%7
C0%5/'*/I"#'5'*# " O!#$%: . F!"+* '#-.1 %* %77$)-%&$'1 *0%$$ &' 5'-('5'+ )" %++)#)".
A77575)%#' &!:)"/ / *'$$)"/ 5%#' # &' %77$)'+
1. IMPORT TRANSACTIONS
$ommission on openin, of +$ or at the time of amen#ment is to be reaise# Upfront an# no
refun# sha be ao5e#.
1.A Cmm)#m'"# C0%5/'*, 0.15( per .uarter or part thereof, min. "s.1000!9
)=or fu vai#it6 of the +$ I.e. from the #ate of openin, to the ast #ate of its vai#it6*
1.B. U*%"-' C0%5/'*,
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
1% a* 0i,ht =or +$ s provi#in, for bis upto 10 #a6sG si,ht
0.15( Min "s 1000!9
1% b* DA upto ?0 #a6s =or +$ s provi#in, for bis over 10 #a6sG si,ht
upto ?0 #a6sG si,ht, 0.30( Min "s 1500!9
1% c* DA %e6on# ?0 #a6s =or +$ s provi#in, for bis over ?0 #a6s si,ht;
0.10 ( per month or part thereof.

NOTE, B#0 Cmm)#m'"# & U*%"-' -0%5/'* %5' 5'$%#'+ # 7'")"/ . LC
1.C. C"-'**)"%$ R%#'*
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
1.$ i* Up to "s. 5 crore )or e.uivaent
in =$*
$ommitment D Usance $har,es in =u as
above
1.$ ii* Above "s 5 crore Upto "s 10
crore )or e.uivaent in =$*
a* =u char,es upto +$ vaue of "s 5 crore
&us b* 50 ( of commitment D usance char,es
as in 1A D 1% above on the amount in excess of
"s 5 crore.
1.$ iii* Above "s 10 crore )or e.uivaent
in =$*
a* =u char,es upto +$ vaue of "s 5 crore
&us*
b* 50 ( of commitment D usance char,es as in
1A D 1% above on the amount in excess of "s
5 crore upto "s 10 crore &us c* 40 ( of
commitment D usance char,es as in 1A D 1 %
above on the amount in excess of "s 10 crore
1.$. iv* LC )**!'+ 6)#0 .!$$ -%*0 m%5/)"

1. $. iv )a* Up to "s. 5 crore )or e.uivaent
in =$*
25( of norma char,es
1. $. iv )b* Above "s 5 crore Upto "s 10
crore )or e.uivaent in =$*
:0 ( of Appicabe "ate for =D".
40( of Appicabe "ate for $ash
Mar,in
24
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
1. $. iv )c* Above "s 10 crore )or e.uivaent
in =$*
50 ( of Appicabe "ate for %oth $ash D =D";
1.D. Am'"+m'"# -0%5/'* . L/-
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
1.D. a* Axtension of vai#it6 of +$ 5ithin
the perio# for 5hich commitment
char,e has been coecte#
"s 500!9 fat
1.D.b* 2here extension of vai#it6 of
cre#it ,oes be6on# the perio#
for 5hich commitment char,e
has been coecte#
)'n the outstan#in, iabiit6 un#er the +$*
=resh commitment char,es at the appicabe
rate per .uarter or part thereof for the perio# of
extension 5ith a minimum of "s /50!9
1.D. c* Anhancement of +$ Caue Caue sha be arrive# at b6 a##in, the
enhancement amount to the ori,ina vaue of
the +$. %oth usance D commitment char,es as
appicabe for the vaue so arrive# at, ess
amounts area#6 reaise#. Minimum "s 1000!9
1.D. #* Amen#ment exten#in, the tenor
of the %i of Axchan,e
Usance char,es as appicabe for the amen#e#
usance perio# ess area#6 reaise# amount
Minimum "s 1000!9
1.D.e* Amen#ment other than
extension of vai#it6 or
enhancement of tenor of the %i
of Axchan,e )incu#in, #eferre#
pa6ment +$s ! Buarantees*
"s /50!9 fat
1.D.f* =or reviva of expire# +$s 5ithin
3 months from the #ate of expir6
Usance D $ommitment char,es as appicabe
for the outstan#in, +$ iabiit6 from the #ate of
expir6 up to the exten#e# vai#it6 .Minimum "s
2000!9
NOTE, I" -%*' &#0 '"0%"-'m'"# . LC V%$!' %"+ '9#'"*)" . (%$)+)#: . LC %5' )"($('+1
&#0 #0' -0%5/'* %* %&(' %5' # &' 5'%$)*'+
1.E. Im75# B)$$* U"+'5 LC*,
Cmm)**)" " Im75# B)$$* !"+'5 LC* )**!'+ &: !* %5' # &' 5'-('5'+ )" %++)#)" # LC
)**!)"/ -0%5/'*
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
1A a* F5')/" C!55'"-: B)$$* !"+'5 LC*

A# #0' #)m' . 5'#)5'm'"# 5 -5:*#%$$)*%#)"1 60)-0'('5 )* '%5$)'5
1.A.a) i* Up to "s. 5 crores 0.125( on bi amount M)")m!m R*
1333/D

1.A.a ).ii* Above "s. 5 crore up to "s. 10 crores 0.125( on "s 5 crore pus 0.100(
on the amount in excess of "s 5
crore an# upto "s 10 crore
25
1.A.a )iii* %e6on# "s. 10 crores $har,es as above for upto "s 10
crore pus 0.0/5( on the amount in
excess of "s 10 crore. Max "s
1/5,000!9
1 A b* F5')/" C!55'"-: Im75# B)$$* !"+'5
LC*
0.125( on bi amount
60'5' " '9-0%"/' &'"'.)# %--5!'* #
#0' B%"8
Minimum "s 1000!9
Maximum "s 200,000!9
1 A c* R!7'' B)$$* !"+'5 LC* As per bi un#er #omestic +$s
1.A.#* L%#' 7%:m'"# -mm)**)" 0.10( per .uarter or part thereof for
the entire over#ue perio# for bis
#ra5n un#er +$ not retire# 5ithin 10
#a6s from the #ate of receipt of bis
in case of #eman# bis an# on the
#ue #ate in case . !*%"-' &)$$*1 #
&' 5'-('5'+ %# #0' '"+ . '%-0
<!%5#'5.
1.A.f* C0%5/'* " %--!"# . +)*-5'7%"#
+-!m'"#*
U0D 50! per #iscrepanc6, if
accepte# b6 the appicant, to be
recovere# from beneficiar6 !
ne,otiatin, ban1. ) Discrepanc6
char,es shou# be stipuate# at the
time of openin, of +$*
D)*-5'7%"-)'* m!*# "# &' )"
()$%#)" . %": . #0' 75()*)"*
. FEMA 5 %": S#%#!#5:
R'/!$%#)"
1.F. Cmm)**)" " Im75# B)$$ ON# U"+'5 LC (C$$'-#)" B)$$)P

S$. N. N%m' . #0' )#'m R'()*'+ R%#'
1.=.a* 2here exchan,e mar,in is
earne# on forei,n currenc6 bis
0.20 ( on bi amount.
1.=.b* 'n each bi #ra5n in rupees an#
on each bi #ra5n in forei,n
currenc6 on 5hich no exchan,e
mar,in accrues.
0.35( on bi amount.
M%9)m!m R* ;231333/D
1.=.c* 'n bis ! #ocuments coverin,
pro7ect import un#er inter Bovt
ai# scheme )incu#in, those
finance# b6 internationa
a,encies i1e 2or# %an1, IM=,
AD% etc. 5here no etter of cre#it
is opene#.
50( of rate as appicabe for bis un#er +$ !
$oection, as the case ma6 be
Minimum "s /50!9 Maximum "s 100,000!9
1.=.#* In case of #ocuments receive#
b6 importers #irect6 from
overseas exporters ! ban1.
(A# #0' #)m' . 5'm)##%"-')
0.25 ( Minimum "s. 2500!9
1.= e* If the overseas ban1 or the
exporter abroa# re.uests
procee#s of coection bi to be
remitte# in a currenc6 other than
the currenc6 of the bi
"s 1000!9 in a##ition to commission as
appicabe for coection bi.
26
1.= f* $ountersi,nin, %i of Axchan,e
#ra5n on importers un#er +$s
0.10 ( per month or part thereof for the usance
perio# , Minimum 0.20 ( , Max 0.50 (
1.=,* &a6ment of Import %i 5hich are
sette# out of forei,n currenc6
oans arran,e# abroa# an# from
baances in AA=$ account

$ommission as appicabe for $oection Import
%i 5here no exchan,e is earne#
1.= h* If import #ocuments are re.uire#
to be for5ar#e# to another ban1
5hich is re.uire# to remit the
procee#s to the ban1 abroa#

"s 500!9 as han#in, char,e
1.= i* %oo1in, of for5ar# contract 5ith
another ban1 in respect of import
bis #ra5n un#er +$ opene# b6
us ().'. )m75# &)$$ 0%"+$'+ &:
!* &!# FC .!"+* 7!5-0%*'+ &:
#0' )m75#'5 #0!/0 #0'5
&%"8 )" I"+)% )
0.125 (
1.= 7* O('5+!' Im75# B)$$* "
C$$'-#)"
"s 500!9per .uarter or part thereof for the
over#ue perio#, to be reaise# at the en# of
each .uarter. U"7%)+ +-!m'"#* %5' "# #
&' 0'$+ &':"+ #6 <!%5#'5*1 !"+'5
)"#)m%#)" # #0' ('5*'%* B%"8. If refuse# b6
the Importer, U0D 20! per .uarter to be caime#
from '!0 %1.
1.= 1* Im75# C$$'-#)" B)$$
R'#!5"'+ U"7%)+
"s 1500! pus 'ver#ue $ommission as above.
If refuse# b6 the importer U0D 100!9 pus
over#ue commission as above, to be caime#
from the overseas %an1
1.G. I"6%5+ P%5-'$* , "s 1500!9 per month &arces must be receive# throu,h overseas ban1 !
correspon#ent an# ceare# b6 customs authorities.
;. ELPORT TRANSACTION
;.A. E975# B)$$* P!5-0%*'+ / N'/#)%#'+ / D)*-!"#'+

S$. N. N%m' . #0' )#'m R'()*'+ R%#'
2.A i* &rocessin, $har,es for each
forei,n currenc6 export bi "s 1000!9 per bi
2A ii* &rocessin, $har,es for each
rupee export bi "s 1000 per bi
2A.iii* =or for5ar#in, export #ocuments
on 5hich no coection
commission or exchan,e
accrues to the ban1)i.e. from one
ban1 to other ban1 in In#ia*

"s 1000! per bi
2A iv* "eimbursement char,es un#er
+etter of $re#it
a* "eimbursement $aim from In#ia , but
pa6ment in =$ ; "s /50! per caim
b* $aim from abroa# )other than the ban1 to
5hom bis are sent*; "s 1250! per caim.
27
2A v* =or5ar#in, export #ocument to
another ban1 for ne,otiation to
5hom +$ is restricte# b6 the
ban1 an# ! or 5hich has boo1e#
the for5ar# contract.

"s 2000! per #ocument
2A vi* =or 7oinin, customerTs ,uarantee
an# ,ivin, ,uarantees on behaf
of customers in respect of
#iscrepant #ocuments
0.15 ( of the bi amount, Minimum "s 1000!9.
D)*-5'7%"-)'* m!*# "# &' )" ()$%#)" .
%": . #0' 5!$'* . #0' -!"#5: / )"#'5"%#)"%$
5!$' / 75%-#)-'
2A vii* 'ver#ue export bis purchase# !
ne,otiate#!#iscounte# 5here
procee#s are not receive# in
-ostro accounts 5ithin Due !
-otiona Due Date
"s 1000!9 per .uarter or part thereof per bi for
the over#ue perio# )4o be reaise# at the en# of
each .uarter*
N#',
%) A77$)-%&$' %$* )" -%*' . +'.'55'+ '975#* ). #0' 5'$%#)(' '975# 75-''+* %5' "#
5'-')('+ 6)#0)" #0' *#)7!$%#'+ 7'5)+
&) N# %77$)-%&$' )" -%*' . &)$$* +5%6" " -!"#5)'* 6)#0 '9#'5"%$)?%#)" 75&$'m &!#
7%)+ )" $-%$ -!55'"-: %"+ #0' '975#'5 0%* &#%)"'+ "'-'**%5: %775(%$ .5m R'*'5('
B%"8

2A viii* $har,es for #iscrepancies in
export #ocuments un#er +$ SSSSS
2A ix* 0ubstitution ! $han,e of 4enor C0%"/' . T'"5 (6)#0)" 1K3 +%:* .
*0)7m'"#), $oncessiona rate on post9
shipment cre#it upto the exten#e# perio# in
accor#ance 5ith the #irectives of "%I. "ecover6
! pa6ment of s5ap #ifference an# interest on
outa6 of fun#s, if an6, to be ma#e.
C0%"/' . B!:'5 R* 233/D 7'5 &)$$
;.B. E975# C$$'-#)" B)$$*,
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
2. %. i* %oth forei,n currenc6 D "upee
export %is
=orei,n $urrenc6 %is 2here Axchan,e Mar,in
is earne#; 0 .10(
Min "s 1000!9 Max "s 20000!9
"upee %i ; 0.15(
Min "s 2000!9 Max "s 25000!9
2 %. ii* Axport bis sent for coection
5here procee#s are not receive#
5ithin Due ! -otiona Due Date
"s 500!9 per .uarter or part thereof for the
over#ue perio# (T &' 5'%$)*'+ %# #0' '"+ .
'%-0 <!%5#'5) (T0)* )* )" %++)#)" #
-mm)**)" %* %77$)-%&$' .5 '975# &)$$
*'"# " -$$'-#)")
2% iii* =or each compete set of export
#ocs sent b6 the exporter #irect6
to overseas bu6er in terms of
extant =AMA ,ui#eines 5hie
#isposin, of the reative B"
forms
D-* 0%"+$'+ %/%)"*# 6" FIRC
"s 500! per bi
D-* 0%"+$'+ %/%)"*# #0'5 &%"8Q* FIRC
Upto "s 2 a1h or e.uiv99"s 300! per B"
Minimum "s 500! per bi 'ver "s 2 a1h or
e.uiv "s 500! per B" form Min "s /50! Max
"s 2500!9
28
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
2% iv* A##itiona char,es 5here
procee#s of bis are receive#
throu,h a ban1 other than the
coectin, ban1 at the instance of
the exporter ! overseas bu6er.
=orei,n $urrenc6 %is 2here Axchan,e Mar,in
is earne# 0.10( Min "s 1000!9 Max "s
25000!9 "upee %i ; 0.15( Min
"s 2000!9 Max "s 50000!9
2% v* Axport %is a,ainst 5hich
a#vance pa6ment area#6
receive#
0.10( per bi, if remittance receive# throu,h
us.
Min. "s 500!9 Max. "s 3500!9
0.125 ( per bi if remittance receive# throu,h
an6 other ban1 D =I"$ is pro#uce#; Min "s
1000!9 Max "s 10000!9
;B ()) Cmm)**)" )" $)'! . E9-0%"/'

2%.vi a* 2here pre9shipment a#vance
has been ,rante# a,ainst a etter
of cre#it ! export or#er but the
bis are ne,otiate# throu,h
another ban1
0.125( Minimum "s 1500! 9Maximum "s
25000!9)2here forei,n currenc6 is not receive#
from the other AD*
2%.vi b* 2here the procee#s of an export
bi ne,otiate# are pai# in forei,n
currenc6 to another A.D.
0.125( Minimum "s 1500! 9Maximum "s
25000!9
2%.vi.c* 2here an export bi is sent for
coection abroa# but the
pa6ment is receive# in rupees
throu,h another A.D. in In#ia
0.125( Minimum "s 1500! 9Maximum "s
25000!9
2%.vi.#* Deeme# export bis in forei,n
currenc6 as #efine# b6 the "%I !
Axim &oic6 from time to time.
0.125(
Minimum "s 1500!9 Maximum "s 25000!9
2%.vi.e* 2here an export bi is
ne,otiate# ! purchase# ! sent for
coection an# its procee#s are
cre#ite# to AA=$ A!$ in fu !
part.
-I+ for the part he# in AA=$ A!$
2 % vi .f* 2hen ban1 char,es recoverabe
from the #ra5ee but refuse#
$har,es to be recovere# from the exporter
2% vi ,* E975# B)$$* R'#!5"'+ U"7%)+ "s 500! per %i in a##ition to $oection !
-e,otiation ! &urchase $ommission an#
'ver#ue $ommission, as appicabe
;.C. C'5#).)-%#'*,
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
2 $ I* Issuance of certificates !
attestation in respect of export
transaction
"s 150!9 per certificate ! attestation
29
2 $ ii* R'/)*#5%#)" . E975#
C"#5%-#*
"s 300! fat per re,istration
"s 150! fat per amen#ment
2$ iii* Annua Axport 4urnover
$ertificate
"s 1000!9 per certificate )for each 6ear*
;.D. P5-'**)"/ .'' .5 %+(%"-' %/%)"*# G(#. *7"*5'+ )"-'"#)(' *-0'm'*.
0.150 ( ,Minimum "s 500!9 Maximum "s 5000!9
;.E. E975# L'##'5 . C5'+)# (I"-$!+)"/ *#%"+&: LC1 L'##'5 . A!#05)#:1 O5+'5* #
N'/#)%#'1 O5+'5* .5 7%:m'"# '#-),

S$. N. N%m' . #0' )#'m R'()*'+ R%#'
2 A.i* A#visin, etter of cre#it
)recor#in,, scrutinisin,,
authenticatin,, verification*
'5n $ustomer "s 500! fat
'thers "s 1000! fat
2 A ii* A#visin, amen#ments "s /50!9 per amen#ment
2 A iii* A#visin, +$ ! amen#ment to the
beneficiar6 throu,h another ban1
"s /50! per +$ ! Amen#ment
2 A iv* 2hen +$ is area#6 a#vise# b6
other %an1 an# receive# for
further a#visin,
"s 100! per +$ If an +$ has been a#vise# to
another branch of our %an1, no char,e sha be
evie# b6 the secon# branch.
;.F. C".)5m%#)" C0%5/'* (S!&N'-# # %775(%$ . #0' %77575)%#' %!#05)#: .5 %++)"/
-".)5m%#)")
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
2. =.i* $ommitment $har,e B#0 Cmm)#m'"# & U*%"-' C0%5/'*
2. = ii* Usance $har,e As per char,es for estabishin, Import +etter of
$re#it 5ith concessions for hi,h vaues as
appicabe
;.G. T5%"*.'5 . L'##'5 . C5'+)# (T &' 5'-('5'+ .5m #0' .)5*# &'"'.)-)%5:)
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
2.B.i* Aach a#vice of transfer "s 1000!9 per transfer
;. H. Acceptance commission for
acceptin, usance #rafts to be
#ra5n on an# accepte# b6 ban1
in In#ia
0.1/5 ( per .uarter an# part thereof for the
usance perio# Minimum "s 1500!9(A775(%$
.5m %77575)%#' %!#05)#: # %--'7# )*
5'<!)5'+)
;.I. PCFC / FCBD / FCBN ,

S$. N. N%m' . #0' )#'m R'()*'+ R%#'
2.I a* 4ransaction char,e "s 25000!9 per sanction.
30

FC D'"m)"%#'+ L%"* O#0'5 #0%" .5 E975# F)"%"-'
&0$=$ "s 25000! per sanction.
2.I b* $ommission As per export bi purchase# ! ne,otiate# !
coection
2.I c* %i <an#in, $har,es As per export bi purchase# ! ne,otiate# !
coection
2.I.#* R'('5*%$ . PCFC T5%"*%-#)"*

=or non9submission of export
#ocuments for i.ui#ation of
&$=$ an# ! or non9reaisation of
%is
=at "s 1500!9
2.I.e* =$-" )%* L%" T5%"*%-#)"* %) P5-'**)"/ F'', As appicabe to fresh
"upee +oan
&) T5%"*%-#)" C*#, Arran,in, ! monitorin,
=$D+=% +oan; "s 25,000!9
-) Cmm)#m'"# F'';1.00( if oan is avaie#
after one month but before 3 months from the
#ate of fun# aocation.
=. REMITTANCE

=.A. OUTFARD REMITTANCE (N# B')"/ P5-''+* . Im75# B)$$)
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
3.A.i* 'n a forei,n currenc6 out5ar#
remittances not bein, procee#s
of import bis
0.125( Minimum "s 250! Maximum "s 1000!9
3. A ii* Issue of #upicate forei,n
currenc6 #raft
a* 2ithin : months from the #ate of issue "s
250!9
b* %e6on# : months "s 500!9
3.A iii* "upee "emittances In#ivi#uas 0.125(
Minimum "s 100!9 in a cases
'thers; 0.30(
Minimum "s 500!9 in a cases
3.A iv* 'ut5ar# remittances from =$-"
A!c -"A A!c
=ree of $har,e for repatriation
3.A v* Issuin, =orei,n $urrenc6 Draft
for cre#it to =$-" A!c of
beneficiar6 5ith other %an1 in
In#ia
"s 250!9 per #raft.
(N C0%5/' ). FCNR A/- 6)#0 #0'5 &5%"-0 .
!*)
3.A vi* 'ut5ar# "emittance b6 #ebit to
AA=$ A!$
0.10( on AA=$ amount
Minimum "s 500! )In a##ition to commission
as appicabe for the purpose of remittance*
3.A vii* 'ut5ar# remittance ma#e for
repa6ment of =$+
"s 500! per remittance
3.A viii* Issue of =orei,n $urrenc6 #raft
for #eposit 5ith another ban1
)=$-"* a,ainst a =$ #raft of
correspon#ent %1.
"s 250! per #raft -o $har,e if =$-" A!c to be
cre#ite# is 5ith our branch*
31
3.A ix* Issuance of #rafts to5ar#s ,ifts,
#onations, stu#ent appication
)for amount upto U0D 500!9
"s 150!9 fat
3.A x* A#vance "emittance a,ainst
Import
0.150( Minimum "s 1000!9
=.B. INFARD REMITTANCE ,
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
3.% i* Ancashment of 44s D purchase
of M4s D DDs in respect of 5hich
cover has been receive# in
-ostro accounts
a* "s 250!9 per transaction
b* =or sma in#ivi#ua remittances !7 # U0D
500!9 "s 150!9 per transaction
c * -o $ommission if procee#s are cre#ite# to
account 5ith an6 of our branches
3.% ii* Ancashment of 44s D purchase
of M4s D DDs 5here
reimbursements to be obtaine#
in cover b6 #ra5in, #eman#
#rafts on overseas branches or
correspon#ent ban1s
0.125( pus interest at #omestic commercia
rate for a transit perio# of15 #a6s
3.% iii* Ancashment of customerTs
persona che.ues, #eman#
#rafts, internationa mone6
or#ers, ban1erTs che.ue etc
pa6abe abroa#.
0.150( pus interest at #omestic commercia
rate for 15 #a6s
3.% iv* R!7'' +5%.#* )**!'+ &:
-55'*7"+'"# &%"8*

3.%.iv*)a* Dra5n on the branch 5here
correspon#ent ban1 "upee
account is maintaine#
&a6ment b6 the branch 5here Costro Account is
maintaine#
=ree of char,e
3.%.iv*)b* Dra5n on the branches un#er
specia arran,ement 5here
correspon#ent ban1 "upee
account is not maintaine#
&a6ment b6 branches 5hich are #esi,nate# to
pa6 at per ;
=ree of char,e.
'thers to pa6 throu,h #esi,nate# branch.
$ommission as per #omestic che.ue coection.
=.C. C$'%" P%:m'"#*
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
32
3.$.i* Affecte# un#er instructions from
correspon#ents
"s 100!9 -o char,e if cre#ite# to a!c 5ith us
3 $.ii* In5ar# remittances to be pai# in
forei,n currencies b6 5a6 of a
#eman# #raft ! mai transfer !
pa6ment or#er! tee,raphic
transfer etc.
0.100 ( Minimum "s 250! Maximum "s 5000!9
3$ iii* "emittance to -"A A!$ =ree of char,e if account 5ith us, "s 500! fat
for accounts 5ith other %an1
=.D. C'5#).)-%#'* R'$%#)"/ # R'm)##%"-'*

S$. N. N%m' . #0' )#'m R'()*'+ R%#'
3.D i* %an1 certificate on securit6
paper in respect of cean
remittances from abroa# an# ! or
encashment of forei,n currenc6
traveersT ch.s ! forei,n currenc6
-otes
=I"$ issue# on securit6 paper
"s 250!9 per certificate
=I"$ issue# on %an1Ts etter hea#
"s 150!9 per certificate
3.D ii* $ertificate on %an1Ts etter hea#
)5here rupee vaue of in5ar#
remittance #oes not excee# "s
5000!9*
"s 200!9 per certificate
3D iii* Dupicate =I"$ )'ri,ina
reporte# ost*
Dupicate =I"$ )in ieu of ori,ina reporte# ost*
"s /50!9 per certificate.
=.E. CLEAN INSTRUMENTS FOR COLLECTION

S$. N. N%m' . #0' )#'m R'()*'+ R%#'
3A.i* $ean instruments sent abroa#
for coection
0.15( Minimum "s 100! Maximum "s 5000!9
3A.ii* =orei,n currenc6 instruments
sent on coection 5ithin In#ia
$har,es as appicabe for inan# transactions
on the "upee e.uivaent of the instrument
>. M)*-'$$%"'!*,
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
4 I* 'btainin, 'pinion "eport for
exporter ! importer )both*
Actua amount pai# to outsi#e a,enc6 pus out
of poc1et expenses
4 ii* &rovi#in, opinion reports to
forei,n ban1s on our customers
U0D 50!9 per opinion )to be recovere# from
forei,n ban1*

2. MERCHANTING TRADE,
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
33
5.i* If forei,n currenc6 remittances
are receive# in a#vance b6 the
exporter from the overseas
bu6er an# the fun#s are he# in
nostro account at the specific
re.uest of the exporter.
$ommission L 0.0/5( on each transaction
Minimum "s 2500!9.
Maximum "s 15000!9
5. ii* 'n import bis receive# un#er
bac1 to bac1 +$
$ommission at 0.125 ( Min "s 3500! Max "s
15000!9
5.iii* 'n export bis #ra5n b6
merchant exporters
$ommission at 0.125 ( Min "s 3500! Max "s
15000!
B. GUARANTEES ,
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
:.A* G!%5%"#''* .%(!5)"/ *0)77)"/ -m7%")'* / %/'"-)'* 7'"+)"/ 75+!-#)" .
B)$$ . L%+)"/
:.A.i* +$s 'pene# b6 us "s 1000!9 per ,uarantee
:.A.ii* 'thers 0.25( for first 3 months )Minimum* pus
0.0/5( for each a##itiona month or part
thereof.
: A iii* +etter of $omfort in ieu of +$ or
%an1 Buarantee 2( p.a. Minimum 1 .uarter.
B.B. G!%5%"#''* .5 P5N'-# E975#*,
S$. N. N%m' . #0'm R'()*'+ R%#'
:.% .i* A$B$ $over /5( 0.45( per annum pus A$B$ premium at
actua.
:.%.ii* A$B$ $over ?0( 0.35 ( per annum pus A$B$ premium at
actua
:.% iii* -ot $overe# b6 A$B$ 1.20 ( per annum. =or fractiona perio# be6on#
compete# 6ears, pro9rata char,es ma6 be
reaise# but not beo5 a compete month
:.%.iv* 100( B'I counter ,uarantee 50( of the rates a,ainst each t6pe of
,uarantee
:.%.v* 100( $ash Deposits to the
extent of %an1Gs iabiit6
50( of the rates a,ainst each t6pe of
,uarantee
:.%.vi* 'ther Buarantees )not covere#
above*
1.15 ( p.a.
:.%.vii*



'ther Axport &erformance
Buarantees %i# %on#s )not
covere# above*
0.10 ( per month, M)")m!m R* =333/D R
25( of the commission sha be reaise# at the
time of issue of bi# bon#s. %aance /5( sha
be recovere# if the bi# materiaises, other5ise,
no refun# sha be ma#e.
C"-'**)"%$ R%#'*


(B)+ B"+* .5 P5N'-# E975#*)
Buarantee vaue upto "s 5 crore ; F!$$ 5%#'
34
S$. N. N%m' . #0'm R'()*'+ R%#'
Buarantee vaue above "s 5 crore ;
=u rate upto "s 5 crore 7$!* 50( of the
specifie# rate on the amount in excess of "s 5
crore
:.%.viii* E975# 7'5.5m%"-'
/!%5%"#''*1 &)+D&"+*1 '#-
(#0'5 #0%" .5 75N'-# '975#*)
an# Axport &erformance
Buarantees coverin, export
obi,ations in terms of import
tra#e contro re,uations an#
export performance ,uarantees !
bi# bon#s connecte# 5ith
#eeme# exports
0.10( per month, Minimum 0.30( or "s 1000!9
, 5hichever is hi,her In case of ear6
re#emption, Maximum 50( of the commission
for the unexpire# perio# i..e. from the #ate of
re#emption to the #ate of expir6 sha be
refun#e#
:.%.ix* Deferre# pa6ment ,uarantees
coverin, import of ,oo#s into
In#ia ! repa6ment of forei,n
currenc6 oan
0.1/5( per month or part thereof for the
specifie# iabiit6 cacuate# on the amount of
iabiit6 un#er such ,uarantee at the be,innin,
of ever6 .uarter. If instaments are remitte# b6
other A.D., the atter sha compensate L
0.125( commission on the amount so remitte#
:% x* Buarantees issue# a,ainst
counter ,uarantee of other ban1
) prime ban1, correspon#ent D
5ithin exposure imit*
0.1/5( per month Minimum "s 1000!9
:% xi* %i# %on#s for suppies
connecte# 5ith Deeme#
Axports ! Direct exports 'ther
4han &ro7ect Axports
0.15( per month, 25( of the commission sha
be reaise# at the time of issue of bi# bon#s.
%aance /5( sha be recovere# if the bi#
materiaises, other5ise, no refun# sha be
ma#e Minimum "s 1000!9
:% xii* a* A 'ther Buarantees a* 0.10 ( per month, M)")m!m R* =333/D
b* If Buarantee perio# is ess
than 2 months
b* 0.30( Minimum "s 3000!9
c* In case of ear6 re#emption c* &ro rata commission ma6 be refun#e# at the
#iscretion of the branch for fu months on6 )not
fraction of months*
C. FOREIGN CURRENCY TRAVELLERSQ CHEQUE
35
S$.. N. N%m' . #0' )#'m R'()*'+ R%#'
/. i* $ommission on "upee
e.uivaent of traveersT che.ues
so# to In#ian resi#ents
0./5 ( on "upee A.uivaent, Minimum "s
250!9
/.ii* $ommission on forei,n currenc6
traveersT che.ues issue#
a,ainst forei,n currenc6
remittance at the re.uest of the
beneficiar6.
0.50( on "upee e.uivaent Minimum "s 500!9
/.iii* 4$ Ancashment -o char,e.
/.iv* 0ae D &urchase of =orei,n
$urrenc6 -otes D $oins
At %an1Ts $ar# "ate or at rate .uote# b6
nearest a,encies for #isposin, off the currenc6 !
procurin, the currenc6, 5hichever is favourabe
to the ban1 &us $ommission; Upto U0D
50!9 -i* Above U0D 50!9 0.25 ( Min "s
10!9 Max "s 2000!9 -o $har,e for "esi#ent D
-"I $ustomers
K. FORFARD CONTRACTS,
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
@.i* =or boo1in, saes an# purchase
contracts
"s 500!9 fat per contract
@.ii* =or each re.uest for ear6
#eiver6, extension or
canceation
"s 500!9 pus s5ap cost an# canceation
char,es 5herever appicabe
E. EEFC A--!"#*,
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
?.i* In5ar# remittances cre#ite# to
AA=$ account 5ith our ban1
-I+
13. O#0'5 C0%5/'* ,
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
10.i* 02I=4 $har,es .5
a* +$ 'penin, "s 1000!9 per +$
b* %B Issuin, "s 1000!9 per %B
c* 'ut5ar# remittances "s 500!9
#* Amen#ment ! 'ther Messa,es "s 500!9
10.ii* Appication to "%I for extension
of time perio# )A4K =orm* for
reaisation of export procee#s
be6on# prescribe# perio#
"s 500!9 per appication
10.iii* =oo5 up of %i of Antr6 "s 350! per %i of Antr6 per haf 6ear
10.iv* Approva for 2rite off of Axport
%i
&roposa to "%I "s 2500!9 , Un#er %an1Ts
Authorit6 9 "s 2000!9 per case
10.v* &rocessin, $har,es for an6
other appication to "%I
"s 500!9 per occasion
36
S$. N. N%m' . #0' )#'m R'()*'+ R%#'
10.vi* =orei,n %an1 char,es )for +$
a#visin, 5here char,es are to
be borne b6 forei,n ban1.
U0D 25!9per +$ U0D 15 per amen#ment
10.vii* Attestation $har,es for
appication of Importer ! Axporter
$o#e -o
"s 250!9 per appication
10.vii* Issuance of B" 5aiver certificate "s 100! per 5aiver
10.viii* "eturnin, of cean instruments !
bis etc sent for coection
abroa#
25( of $ommission as appicabe for coection
items as appropriate.
DP SERVICE CHARGES FOR BENEFICIARY ACCOUNTS
N%m' . #0' I#'m* R'()*'+ R%#'*
I"('*#5* A--!"# T5%+'5* A--!"#
A/C O7'")"/ -I+ -I+
A/C C$*)"/ -I+ -I+
C!*#+: C0%5/' -I+ -I+
D'm%#'5)%$)?%#)" C0%5/'*
37
A.uit6 0hares `3 per $ertificate
Minimum U25 per D"= H Maiin,
$har,es )=ree for Aahaba# %an1
0hares*
`3 per $ertificate
H Maiin, $har,es
)=ree for Aahaba#
%an1 0hares*
%on#!Debenture!B90ec!$ommercia
&aper
`50 per "e.uest H Maiin, $har,es
R'm%#'5)%$)*%#)" C0%5/'* `25 per certificate H Maiin, $har,es
Annua Membership =ee `300 p.a. Upfront `1200 p.a. Upfront
T5%"*%-#)" F''* (P'5 T5%"*%-#)"), (Equity/Bond/Debentures/ G-sec)
Mar1et!'ff9Mar1et 4ransaction )%u6* -I+ -I+
Mar1et!'ff9Mar1et 4ransaction )0e*
`25
` 10 )'ther D&*
` 10 )Aahaba# %an1
D&*
T5%"*%-#)" F''* (P'5 T5%"*%-#)"), (Commercial Paper)
Mar1et!'ff9Mar1et 4ransaction )%u6* -I+ -I+
Mar1et!'ff9Mar1et 4ransaction )0e* `1000 `1000
P$'+/'
$reation `100 `100
$osure!Invocation `50 `50
M)*-'$$%"'!* C0%5/'*
Documentation =ees )Durin,
Account 'penin,*
-I+ )$ost of 0tamp &aper to be pai# `10 at present*
Deiver6 Instruction %oo1 "e.1 per foio
A##itiona 0tatement )$urrent* `25 per statement -I+
Instruction "eceive# at $ientGs "is1 > `50 per transaction `25 per transaction
Instruction =aiure $har,es `50 per transaction -I+
N#'
1. Annua Membership =ees 5i be ta1en upfront in first biin, month. Annua Membership =ees 5i be
char,e# on .uarter6 pro9rata basis for ne5 cients.
2. $usto#6 $har,es 5i be reai8e# at the en# of the financia 6ear. -o Minimum or Maximum char,es
appicabe.
3. $har,es 5i be #e#ucte# from savin,s!current account to be opene# b6 #epositor6 account ho#er.
4. A char,es are sub7ect to revision as an# 5hen #eci#e# b6 the D&.
5. >Instructions #eeme# at $ientGs "is1
Inter9#epositor6 transfer on the same #a6 receive# after 14.00 hour
'ff9mar1et instruction 5ith re.uest to execute before 10.00 hours on the same #a6.
Instructions submitte# after 1:.00 hours on the previous #a6 of pa69in #ea#ine.
NOTE,
P*#%/' %"+ #0'5 O!# . P-8'# E97'"*'* # &' 5'%$)?'+ " %-#!%$ &%*)* ('5 %"+
%&('
#0' S'5()-' C0%5/'*.
JS'5()-' T%9 # &' $'()'+ '9#5% %* 7'5 -)5-!$%5)?'+ )"*#5!-#)".
38

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