Service Charges
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Sr. Particulars Rates (Present GST as applicable)
 01  Issue of Duplicate Demand Drafts  Rs. 60/- per instrument
 02  Revalidation/Cancellation of Drafts  Rs. 50/- per instrument
 03  Handling charges for outward Cheques/Bills returned  unpaid [ For reasons other than our Bank's mistake]  Rs. 75/- per instrument
 04  Stop payment Instructions  Rs. 50/-per instrument
 05  Standing Instructions  Rs. 25/- per transaction
 06  A/c Closure Charges  Rs. 100/- if a/c is closed before 12 months (except no-frill a/cs)
 07  Issue of Duplicate Pass Book  Rs. 25/- per pass book with transaction for the current year only.
Rs. 20/- per each previous year
 08  Issue of Duplicate Statement  Rs.20/- per ledger folio
 09  Enquiry relating to old records (if the enquiry is for an item  more than 12 months old)  Rs. 20/- per item
 10  For issuance of No Dues Certificate  Rs. 50/-per certificate
 11  Issue of Solvancy Certificate
 Upto Rs. 1/- lacs
 Above Rs. 1/- lacs & Upto Rs.25/- Lacs
 Above Rs. 25/- lacs & Upto R. 50/- lacs
 Above Rs. 50/- lacs
 Rs. 750/-
 Rs. 1200/-
 Rs. 2500/-
 Rs. 5000/-
12 Issue of Cheque Books
  SB A/cs 1 Cheque Book (15L)every 2 month free thereafter Rs.2 per cheque leaf
  Current A/cs  Rs. 3/- per cheque leaf
(If average balance Rs.1/- Lacs quarterly maintained-No Charge)
  OD(FD)/CC/Hypo/BD A/cs Re. 3/- per cheque leaf
13 Processing Chages : For New and renewal cases, and all adhoc and temporary limits.
  for advances up to Rs.5/- lacs NIL
  Above Rs.5/- lacs to Rs.10/- lacs NIL
  Above Rs.10/- lacs to Rs.25/- lacs Rs. 2500/-
    W.C. T.L.
  Above Rs.25/- lacs to Rs.100/- lacs 0.10% 0.25%
  Above Rs.100/- lacs to Rs. 500/- lacs 0.15% 0.75%
  Above Rs.500/- lacs 0.20% 0.40%
  Adhoc / Temporary Limits Minimum Rs. 1000/- or 0.15% of the limits sanctioned whichever is higher
Max. Processing Charges will be Rs. 6/- Lacs / For renewal 50% of above charges
Note :
1. No Processing Charge to be collected on H.P. Loans, Housing Loans, Education Loans irrespective of amount of loan.
2. After sanction of the credit facilities, if the party does not utilise the sanctioned limits and does not even execute security documents, processing charge once taken will not be refunded.
14 e-Payment Service - Free (w.e.f. 01-09-2012)
(Tax Challan) VAT (Guj.VAT) CST - Excise and Service Tax
 15  Service Rendered Free of Charge
[1]  DDs/ Pay orders on MUMBAI & DEHGAM free of cost.
[2]  No service charge for Minimum balances in No FRILL A/Cs.
[3]  1 Chequebook per quarter in S/B A/C.
[4]  Loan Processing (New / Renewal) upto Rs. 25,000/-
[5]  Enquiry relating to old records for an item less than 1 year free.
[6]  Account Statement free
[7]  No penal Int. for loans upto Rs. 25000/- under priority sector.
[8]  *RTGS / NEFT Services Free of Cost.
 16  Bill Discounting under L/C
   Bill discounting under L/C charge Rs 750/- (+) interest as applicable
   Bank Guarantee
 (A)  With 100% Cash Margin -  1% p.a. or part thereof. Minimum Rs. 200/-
 (B)  Others -  1.5% p.a. or part thereof. Minimum Rs. 500/-
[1]  Guarantee Commission to be levied on entire validity period including claim period
[2]  Commission to be collected upfront.
[3]  Commission to be collected at every renewal
 17 Issue of Inland Foreign L/c  1% p.a. of L/C amount, if margin is 100%
1.5% p.a. of L/C amount, if margin is less than 100%.
In the case of issue of L/C through Karur Vaishya Bank, then that Bank's charges will be levied additionally.
 18 Late Stock Statement  1% penal interest after grace period of one month from due date of submission.
 19 Late Insurance  In case of insurance policy due date, 1% penal int. from due date.
 20 Any type of Certificate Issue  Rs. 50/-
 21 Confidential Report Charges  Rs. 200/-
 22 Amount Transfer by FAX  Rs. 30/- extra to our Pay order charges
 23 Signature Verification Charges  Rs. 15/-
 24  Inward Cheque Return Charges
(For inadequate Balance in the A/c)
  (For inadequate Balance in the A/c) Savings Other
  Upto Rs. 50,000/- Rs. 75/- Rs. 100/-
  Upto Rs.1,00,000/- Rs. 150/- Rs. 200/-
  Upto Rs.2,00,000/- Rs. 200/- Rs. 250/-
  Above Rs.2,00,000/- Rs. 300/- Rs. 500/-
25 Loan Recovery Post dated Cheq. Return Rs. 250/-(Per Cheque)
 26 Inspection charges : Per Visit
   For Advances up to Rs.10/- Lacs   Rs. 100 + GST
   Above Rs.10/- lacs to Rs.25/- Lacs   Rs. 200 + GST
   Above Rs.25/- lacs to Rs.50/- Lacs   Rs. 300 + GST
   Avove Rs.50/- Lacs   Rs. 1000 + GST
27 Half yearly incidental Charges
  Current Accounts Rs. 50/-
  Advances A/cs other than Term Loan and Overdraft a/cs Rs. 200/-
28 RTGS / NEFT (w.e.f. 01-11-2016)
  Inward No Charges
  Outward (RTGS)
  Rs. 2.0/- Lacs to Rs 5.0/- Lacs Rs. 25/-
  up to Rs. 5.0/- Lacs Rs. 50/-
  Outward (NEFT)
  up to Rs. 10,000/- Rs. 2.50/-
  Rs. 10,001/- to Rs. 1 Lacs /- Rs. 5/-
  Rs. 1,00,001/- to Rs. 2 Lacs /- Rs. 15/-
  Rs. 2 Lacs /- than more Rs. 25/-
29 ECS Inward Return Charges
  Upto Rs.50,000.00  Rs.50/-
  Upto Rs.1/- Lacs  Rs.100/-
  Upto Rs.2/- Lacs  Rs.150/-
  Above Rs.2/- Lacs  Rs.200/-
30 Outward Bill Collection Charge (OBC)
  Upto Rs.10,000.00 Rs.50/-
  Above 10,000/- Upto Rs.1/- Lacs Rs.100/-
  Above Rs.1/- Lacs Rs.150/-
31 Cash Handling Charge (w.e.f. 15-05-2014)
  Up to Rs.1,50,000/- cash deposit per account per day - No Charges
  Cash deposit for more than Rs.1,50,000/- Charges will be Rs. 50/- per Rs.1,00,000/- or part thereof + Service Tax