Services Charges

SR NO Particulars Min.Balance-Rs. Charges-Rs.GST extra Remark
 1  Saving Deposit With  cheque Book  1000  25 If minimum Balance is not maintained.
 2  Saving Deposit without  Cheque Book  500  15 If minimum Balance is not maintained.
 3  SB A/C with cheque  Book(Marked for Demat)  2000  35 If minimum Balance is not maintained.
 4  Student Saving Accounts  100  NIL  -
 5  Janata Saving A/C (No frill  Account-GL Code 50) 5 NIL  -
 6  A/C closed before 6  months:
 A.With Cheque book
 B.Without Cheque book
-  300  -
 7  Duplicate Passbook    50 Entries up to last 1 year.
For entries more than 1 year additional Rs.50 per year or part of the year to be charged.
 8  Account Statement(all  account)
 a.Enteries up to last one  year of part.
 b.Entries upto earlier last  one to 3 year
 c.Old entries above 3 year
   


50 per year

50 per year

50 per page
(not year)
(Upto available record as per RBI guidlines regarding maintenance of record.)
 9  Dormant Charges A/C not operated for 2 years more   100 (Half Yearly i.e.Sep &March)  

  

2.Special SB Account for Availing Demat Service

Sr.no  Perticulars -Rs.  Charges-Rs. GST Extra
1.  Demat A/C opening charges including agreement charges  200+ RPD postage at actual.
(GST will also charge on RPD postage)
2.  Demat A/C maintainance charges  Actual charges of Pune Janata Bank and GST charges debited by Pune Janata bank + our charges 90 per year
3.  Demat Slip posting charges  Actual charges of Pune Janata Bank and GST charges debited by Pune Janata bank
4.  Request for conversion of share from physical to Demat  25 per share certificate

 

3.Current Deposit

Sr.no Perticulars -Rs. Min.Bal. Amount-Rs. Charges-Rs. GST Extra Remark
1.  Current A/C  5,000  100 per instance  If Min.balance is not maintained
2.  Closed before 6 Month  -  350  Irrespective of balance amount
3.  Operating designated bank account of Builder/Developer for particular building project  5,00,000  1000 per instance  If Min.balance is not maintained
4.  Regular Monthly Statement  -  NIL  -
5.  Duplicate Statement  -  25 per page.Min 50 and Max.Rs.1000  -

Note: In case customer is crediting the A/C by depositing cash and withdrawing by Transfer/Clearing/RTGS, branches should seek insteuctions from H.O for applying service charges/ Cash handling charges in such cases.

 

4.Recurring Deposit

Sr.no Perticulars -Rs. Charges-Rs. GST Extra
1.  Closed before 6 Months Rs.25
2.  Delayed installment (penalty rate- for per Rs.10 of installment per month) paise 15

Note: Due date of installemnt will be the date of a month in which the account is opened, penalty would be applicable after 5 grace days from the due date.

 

B) Remittances

1.DD/PO

Sr.no Perticulars -Rs. Charges-Rs. GST Extra
1.  Our bank's DD/ Pay order  3 per Rs.1000 or part(Min charges 10 Max.charges 5000)
2.  HDFC/ICICI/ING Vaishya Bank's DD  2 per Rs.1000 or part(Min charges 10 Max.charges 5000)
3A.  Other Bank's DD/ Pay Order  a) 50 for DD/Pay order upto Rs.25,000+ Other bank's actual commission
 b)100 for DD/Pay order above Rs.25,000+ Other bank's actual commission
3B.  DD/ Pay slip issued or NEFT/RTGS for disbursement of Term loan  No charges
3c.  Inter branch transfer of amount  No charges
4.  Inter branch Cash transaction from current and cash credit account(*)  No charges for transaction up to Rs.1,00,000 per day
 Rs.1 per thousand for transaction above Rs.1,00,000 per day to allowable transactions only
 (No charges for loan recovery and fixed deposit transactions for any amount)
5.  Cancellation of DD/PO of our bank/HDFC/ICICI/ING vaishya  100 per Instrument
6.  Cancellation of DD/PO of other bank  100+ other bank's actual charges
7.  Issue of duplicate DD/PO of our bank/HDFC/ICICI/ING vaishya  100 per instrument
8.  Issue of duplicate DD/PO of other bank  100+ other bank's actual Commission
9.  Revalidation of our bank/HDFC/ICICI/ING vaishya  50 per instrument
10.  Revalidation of DD/PO of other bank  50+ other bank's actual charges

 

Note: For withdrawal of cash from non-home branch, photo ID of customer should be insisted upon. The same should be attached to the instrument by paying branch. No thired party payment should be allowed. Payment by withdrawal slip is not allowed.


2. RTGS (Outward)

Sr.no Perticulars -Rs. Charges –Rs. GST extra MODE
1.  2.00 lakh to 5.00 lakh 28 S
2.  Above 5.00 lakh 53 S

        

3. NEFT (Outward)

Sr.no Perticulars -Rs. Charges –Rs. GST extra MODE
1.  Upto 10,000 2 S
2.  10,001 to 1,00,000 5 S
3.  100000 to 2,00,000 15 S
4.  Above 2,00,000 27 S

        

4. RTGS/NEFT (Inward)

Sr.no Perticulars -Rs.  charges –Rs. GST extra MODE
1.  RTGS(Inward) /NEFT(Inward) NIL --

        

5. E-Tax Payment (Any type of Tax)

Sr.no Perticulars -Rs. Charges-Rs. GST Extra
1.  E-Tax Payment 50 per challan

        

C) Cheque Book Charges(All types of Account) from 2nd cheque book onwards.

        

1. MICR/ Pesonalised Cheque book

Sr.no Perticulars -Rs. Charges-Rs. GST Extra
1.  Per leaf 3.00 per cheque leaf
2.  Stop payment charges 50 per instruction maximum 100 for more than one cheque in a series

Note: First Cheque book to be given free of charges

        

2. Cheque return/ ECS return charges: Inward clearing retuen charges (cheque/ ECS)

Sr.no  Perticulars -Rs.  Charges-Rs. GST Extra
1.  Current/Cash credit/OD Accounts 200 per cheque/ECS
2.  Saving Account 150 per cheque/ECS
3.  Return of cheque for technical resoan NIL
4.  Counter return of cheque 50 per cheque/ECS
5.  saving/current (up to 1 lakh) 150 per cheque/ECS
6.  saving/current (above 1 lakh) 250 per cheque/ECS

        

3.Outward Clearning(Cheque is returned by other bank)

Sr.no  Perticulars -Rs.  Charges-Rs. GST Extra
1.  Current/Cash credit/OD Accounts 100 per cheque/ECS
2.  Saving Account 100 per cheque/ECS
3.  Return of cheque for technical resoan NIL

        

D) OBC collection Charges (For Saving Accounts)

        

Sr.no  Perticulars -Rs.  Charges-Rs. GST Extra
1.  Up to 5,000 27
2.  5,001 to 10,000 55
3.  10,001 to 1 Lakh 110
4.  Above 1 Lakh 2 per thousand or part+ postage.(Max 2000)

        

E) OBC collection Charges (For other account- Current, Cash Credit, Over Draft etc)

        

Sr.no  Perticulars -Rs.  Charges-Rs. GST Extra
1.  Below 10,000 100
2.  Above 10,000 150/- Per Instrument

Note: Charges on OBC up to Rs.1 lakh are fixed by RBI, hence if any other bank charges more than above, branches should Demand for refund of excess charges recovered by that bank.

        

F) IBC collection Charges (Cheques and DDs/POs)

        

Sr.no  Perticulars -Rs.  Charges-Rs. GST Extra
1.  Below 10,000   55+Postage and bank charges
2.  10,000 to 1 lakh  100+Postage and bank charges
3.  Above 1 Lakh  150+Postage and bank charges

        

G) IBC collection Charges (Other than cheques and DDs/POs)

        

Sr.no  Perticulars -Rs.  Charges-Rs. GST Extra
1.  Below 10,000  100+ Postage at actual+ Other bank's actual DD charges(if applicable)
2.  Above 10,000  3 per thousand or part + actual postage +Other bank's actual DD charges(if alpplicable)

        

H) Other Services

        

Sr.no  Perticulars -Rs.  Charges-Rs. GST Extra
1.  Loan Application Form  Rs.50 Per application form
2.  No dues Certificate to Other Banks  Rs.50 Per account
3.  No dues Certificate to borrower himself  NIL for 1st Certificate.
 Rs.50/- Per additional/Duplicate Certificate.
4.  Signature Verification including ECS Mandate  Rs.50 per verification
5.  Photo Verification  Rs.50 per verification
6.  Loss of token  Rs.100 per token
7.  Standing Instruction  Rs.50 per SI(Excluding SI for loan and RD A/C)
8.  Instruction for statement through E-mail  No charges
9.  SMS alert facility for saving deposit  Free for first one year and Rs.25 per year from sbsequent year
10.  SMS alert facility for Current account/Cash Credit  100 per year

        

I) ATM Card Charges and transaction Charges

        

Sr.no  Perticulars -Rs.  Charges-Rs. GST Extra
1.  Issue of first card per Customer  Free of Cost
2.  Issue of another card(in case of single customer having more than one saving account)  200 per card
3.  Blockage of card  100 per instance
4.  Annual charges  160 per card
5.  Reissue of card  150 per card
6.  Duplicate PIN  100 per instance
7.  Transaction Charges- Financial and Non-Financial  5 transaction in SJSB ATM and 3 transactions in other  ATM in Semi and urban area in a month are free.
 Thereafter 20 per financial transaction and Rs.10 per  non-financial transaction

        

J) Credit Monitoring Charges

        

1.For all types of Term Loan and Cash Credit (Excluding TLTD, CCTD and Staff Account)-

 

Sr.no  Outstanding Balance -Rs.  Charges Per Annum-Rs. GST Extra
1.  1000 to 25000 50
2.  25001 to 50000 100
3.  50000 to 2 Lakh 300
4.  200001 to 4 Lakh 500
5.  400001 to 10 Lakh 1000
6.  1000001up to 25 Lakh 1500
7.  25,00,001 to 1Cr. 2500
8.  Above 1 Cr. to 5 Cr. 3500
9.  Above 5 Cr. 5000
     

        

K) LOAN PROCESSING FEES

        

1.For all types of Business Term Loan and Cash Credit- Applicable to Limit up to Rs.50 Lakh (Other than Loans given in point No.3 below)

Sr.no  Loan Applied for-Rs  Processing Fees-Rs.
for New TL & CC and Enhancement of
CC Proposal.GST Extra
 Processing Fees-Rs.
 Only for Renewal of
 CC. GST Extra
1.  Up to 10,000 200 100
2.  10,001 to 25000 300 150
3.  25,001 up to 1,00,000 400 200
4.  Above 1,00,000 up to 2,00,000 500 250
5.  Above 2,00,000 up to 3,00,000 600 300
6.  Above 3,00,000 up to 4,00,000 800 400
7.  Above 4,00,000 up to 5,00,000 1000 500
8.  Above 5,00,000 up to 6,00,000 1400 700
9.  Above 6,00,000 up to 7,00,000 2000 1000
10.  Above 7,00,000 up to 10,00,000 2500 1250
11.  Above 10,00,000 up to 20,00,000 1% 2500
12.  Above 20,00,000 up to 30,00,000 1% 5,000
13.  Above 30,00,000 up to 40,00,000 1% 7,500
14.  Above 40,00,000 up to 50,00,000 1% 100,00
15.  Up to 50 lacs for EOD 0.25% -

        

2.For all types of business Term Loan and Cash Credit - Applicable to Limit above Rs.50 Lakh (Other than Loans give in point No.3 below)

 

Sr.No Repayment Period of the Loan applied for in months Processing Fees-Rs. for New TL& CC and Enhancement of CC Proposal GST Extra % of Loan applied for Renewal of CC Limit-Rs. in Lakh Processing Fees-Rs. Only for Renewal of CC GST Extra
1.  Up to 12  0.70  Above 50 up to 100  17500/-
2.  Above 12 up to 24  0.80  Above 100 up to 200  20,000/-
3.  Above 24 up to 36  0.90  Above 200 up to 300  22,500/-
4.  Above 36 up to 48  1.00  Above 300 up to 400  25,000/-
5.  Above 48 up to 60  1.10  Above 400 up to 500  30,000/-
6.  Above 60  1.20  Above 500  35,000/-
     (Subject to Maximum Rs.5 Lakh)    
7.  EOD  0.25% For EOD Amount  Above 50 lakh  -

        

3.For all types of Term loans and Cash Credit under following Categories

 

Sr.No Loan Application Amount Processing Fee for Fresh Loan % GST Extra
 1.  Unsecured Loans uoto Rs.5.00 Lakh  2.00(Minimum Rs.500)
 2.  Secured Non-Business Loans  1.00
 3.  Vehicle Loans-2 Wheeler/3 Wheeler  Fixed Rs.1000
 4.  Vehicle Loans- Four Wheeler  0.50 (Minimum Rs.1000)
 5.  Vehicle Loans-Commercial Vehicle  1.00
 6.  Housing Loans  0.30
 7.  Education Loans  0.30
 8.  Solapur Janata Mudra Karj Yojna  0.30
 9.  Harit Urja Karj Yojna Loans  0.50
 10.  Solapur Janat Bahupayogi Karj Yojna  1.00

Note:
1) If sanctioned loan is not availed by the customer, then entire processing fees will be retained by the bank. No processing fees will be refunded in such cases.without prier permission of sanctioning authority.
2) If loan is rejected/ Curtailed by the bank, then 25% of processing fees will be retained by the bank and remaining amount will be refunded to the applicant.
3) No processing fees will be charged for TLTD, CCTD and staff loans

        

4.Solvency Certificate / Line of Credit Certificate Charges

 

Sr.No Solvency Certificate/Line of Certificate-for Rs. Charges-Rs. GST Extra
1.  Up to 1,00,000  700/-
2.  Above 1,00,000 up to 5,00,000  1000/-
3.  Above 5,00,000 up to 10,00,000  2000/-
4.  Above 10,00,000 up to 20,00,000  3000/-
5.  Above 20,00,000  Rs.200 Per lakh Subject to Max.Rs.25000

 

 5.Line Of Credit Certificate

 

 Sr.no  Particulars Charges-% GST Extra
1.  For Any Amount  5000/-

 

 6.Pledge Account Visit Charges

 

 Sr.no  Particulars Charges-% GST Extra
1.  Pledge Account visit charges  1,000 per visit

               

 7.Bank Guarantee

 

 Sr.no Particulars Charges-% GST Extra
1.  BG against 100% deposit  0.50
2.  BG against less than 100% deposit  2.00

               

 L)1.Locker Related Charges

 

 Sr.no Particulars Charges-% GST Extra
1.  Registration Charges  -
2.  Penalty for late Payment of Locker Rent  2% per month on locker rent will be charged after 30th June of every year
3.  Break Open Charges  Rs.6000

               

 L)2. SDV Locker Rent & Related Security Deposit

 

Locker Size in Inches Annual Rent-Rs.GST Extra Security Deposit-Rs.
 4 X 6 = 24  600/-  10,000/-
 7 X 5 = 35  750/-  10,000/-
 5 X 7 = 35  750/-  10,000/-
 7 X 6 = 42  850/-  10,000/-
 12 X 4 = 48  950/-  10,000/-
 4 X 13 = 52  1000/-  10,000/-
 5 X 14 = 70  1450/-  10,000/-
 14 X 5 = 70  1450/-  10,000/-
 7.5 X 10.5 = 78.75  1500/-  10,000/-
 6 X 18 = 108  1700/-  15,000/-
 12 X 10 = 120  1800/-  15,000/-
 11 X 13 = 143  2000/-  15,000/-
 11 X 14 = 154  2400/-  15,000/-
 7.5 X 21.5 = 161.5  2700/-  15,000/-
 07 X 21 = 147  2700/-  15,000/-
 14 X 12 = 168  3000/-  15,000/-
 10 X 18 = 180  3100/-  15,000/-
 14 X 18 = 252  3500/-  25,000/-
 15 X 18 = 270  3700/-  25,000/-
 16 X 21.5 = 344  4800/-  25,000/-
 21 X 18 = 378  5000/-  25,000/-
 24 X 20 = 480  6000/-  25,000/-

 

Note:Special Instructions 

1. Period for annual rent will be for financial year.(1st of April to 31st March)
2. Late fees @2% per month on locker rent will be chaeged, if locker rent is not paid before 30th June of every year.
3. In case any different size locker is available in the branch, the nearest size should be considered for calculation of locker rent and security deposit and such odd size should be reported to Head Office.