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.