SERVICE CHARGES AS PER RBI GUIDELINES

Savings Bank A/c - No frills A/c

Minimum Balance Rs. 5.00

Charges for non maintenance thereof NIL

Saving Bank Accounts with Cheque facility

Minimum Balance Non-Rural Rural

Rs. 1000.00 Rs. 500.00

Charges for non maintenance thereof SB A/C-Rs.200/- per quarter for Non-Rural branches
SB A/C-Rs.100/- per quarter for Rural branches

Saving Bank Accounts without Cheque facility

Minimum Balance Non-Rural Rural

Rs.500.00 Rs.250.00

Charges for non maintenance thereof SB A/C-Rs.300/- per quarter for Non-Rural branches
SB A/C-Rs.150/- per quarter for Rural branches

Other savings bank account facilities

Issue of Duplicate Statement With latest balance Rs.100/- (Additional Rs.100/- for every 40 entries or part thereof)
Rs.2.00 per cheque leaf and 20 leaves free in a year for Saving Bank A/c (Other than
Issue of cheque leaves Multi city cheque Book)
Issue of duplicate pass book With latest balance Rs.100/- (Additional Rs.100/- for every 40 entries or part thereof)
Mode of calculation of minimum Average of closing balances of all days during the quarter.
balance

Remittance Facilities through own Bank

Upto Rs.10000/- Rs. 30/-
DD- Issue For > Rs.10000/- charges Rs.0.25 percent (i.e. per Rs.100/-)
Minimum Rs. 50/- Max. Rs. 12500/- (cash handling charges Rs.10/-)
No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per
DD-Cancellation instrument (flat rate)
No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per
DD-Duplicate instrument (flat rate)
No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per
DD-Revalidation instrument (flat rate)
Upto Rs.10000/- Rs. 30/-
PO - Issue For > Rs.10000/- charges Rs.0.25 percent (i.e. per Rs.100/-)
Minimum Rs. 50/- Max. Rs. 12500/- (cash handling charges Rs.10/-)
No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per
PO-cancellation instrument (flat rate)
No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per
PO-Duplicate instrument (flat rate)
No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per
PO-Revalidation instrument (flat rate)

TT - Issue Upto Rs.10000/- Rs. 30/-

For > Rs.10000/- charges Rs.0.25 percent (i.e. per Rs.100/-) Max. Rs. 12500/-
(cash handling charges Rs.10/- + Rs.110/- per telegram for TT)

TT - Cancellation Not applicable

TT-Duplicate Not applicable

TT-Revalidation Not applicable

NEFT Charges- outward Up to Rs. 1 lac : Rs. 6/- per transaction

Above Rs. 1 lac : Rs. 28/- per transaction

NEFT Charges- inward NIL

RTGS-Outward Up to Rs. 5 lac : Rs. 28/- per transaction

Above Rs. 5 lac : Rs. 55/- per transaction

RTGS-Inward NIL
Collection of Cheques i) Up to Rs.10000/-- : Rs.55/- per instrument 

ii) Over Rs.10000/-

Upto Rs.100000/- : Rs.110/- per instrument 

iii) Rs.100001/- & above : Rs. 165/- per instrument

Remittance Facilities through other Not Applicable

bank

DD- Issue Not Applicable

DD-Cancellation Not Applicable

DD-Duplicate Not Applicable

DD-Revalidation Not Applicable

PO - Issue Not Applicable

PO-cancellation Not Applicable

PO-Duplicate Not Applicable

PO-Revalidation Not Applicable

TT - Issue Not Applicable

TT - Cancellation Not Applicable

TT-Duplicate Not Applicable

TT-Revalidation Not Applicable

EFT Charges- inward Not Applicable

EFT Charges- outward Not Applicable

RTGS-Outward Not Applicable

RTGS-Inward Not Applicable

Collection of Cheques Not Applicable

Foreign Exchange Transactions

Remittance Outward Rs.1000/- (Swift Charges)

Remittance Inward Rs.150/- per remittance

TCs - Selling 0.5 % of Rupee value

TCs - Encashing NIL

TCs – Foreign Currency NIL

Cheque Collection

Local NIL (Through Clearing)

Outstation through own bank i) Up to Rs.10000/-- : Rs.50/- per instrument 

ii) Over Rs.10000/-

Upto Rs.100000/- : Rs.100/- per instrument 

iii) Rs.100001/- & above : Rs. 150/- per instrument 

Outstation through another bank i) Up to Rs.10000/-- : Rs.50/- per instrument 
ii) Over Rs.10000/-
Upto Rs.100000/- : Rs.100/- per instrument 
iii) Rs.100001/- & above : Rs. 150/- per instrument 

Bouncing of cheques- Local/ Post Rs.75/+other bank charges if any / Rs.250/- per PDC
Dated EMI Cheque

Bouncing of cheques- outstation- Rs.150/-+other bank charges if any

through own bank

Bouncing of cheques- outstation- Rs.150/-+other bank charges if any

through another bank

Retail Loan
Housing Loans 0.50% of the loan amount
Loan Processing Charges Housing Loan (NRI) 0.50 % of the loan amount
Housing Loans (Gram / Sahyog Niwas) Nil
Personal Loans:1.00 % (Saral Score 60 and above) of the loan amount
2.00 % (Saral Score between 60 and 50)
Instant Cash (Xpress Credit) 0.55 % of the loan amount
 Loan against Mortg. Of Property 1.10 % of the loan amount
Medi-Plus 1.10% of the loan amount
Festival Loan 1.10 % of the loan amount
SCOOM (Two Wheeler) 1.10 % of the loan amount
Loan against RBI Relief Bonds 1.10 % of the loan amount
Advances against Gold Ornaments 1.10 % of the loan amount
Advances against DEMAT Units of 1.10 % of the loan amount
SBI Mutual Fund.
Auto Loan (Four wheelers) 0. 50 % of the loan amount
Loan to Pensioners Nil
Educational Loan Nil
PLUS SCHEMES Same as normal rate.
2%Penalty on amount paid in excess of normal EMI dues will be levied:
Pre-payment Charges i) In respect of the pre-closure of Housing Loans/ Car Loans before expiry of half of
the original tenure. ii) The loan is taken over by any other bank/ financial institution.
iii) Partial pre-payment is being made in the first year.
However no prepayment penalty should be levied if the loan account is foreclosed for
availing a fresh house loan/ car loan from our Bank.
Rs.100/- per certificate
No-dues Certificate Prospective borrowers under Govt. sponsored scheme, self-help groups, Individuals
coming under the direct-agriculture category will be exempt from payment of "No
Dues" charges
Non-commercial Rs. 300/-
Solvency Certificate Commercial Rs.250/-per lac or part thereof
Min.Rs.1000/- & Max.Rs.15000/-

Charges for late payment of EMI Penal rate @ 1% per month if EMI remains unpaid for 30 days after due date.

Charges for changing from fixed to 1% of out standing amount

floating rates of interest

Charges for changing from float to fixed NIL

rates of interest
Cards

ATM CUM DEBIT CARDS

Membership fee NIL

Annual Maintenance Fee Domestic : Rs.50/- from the second year of issue
International : Rs.100/- from the second year of issue

Renewal Charges NIL

Late Payment Charges Not Applicable

Interest Charges Not Applicable

Replacement charges Rs 200/-

Transaction Charge for Partner banks No Charges for State Bank Group ATMs

Transaction Charge for other banks Rs. 20/- maximum (Domestic)

Rs. 150/- + Service tax (Inter national)

Credit Card

Membership fee Not Applicable

Annual Fee Not Applicable

Renewal Charges Not Applicable

Late Payment Charges Not Applicable

Interest Charges Not Applicable

Replacement charges Not Applicable

Cash withdrawal Not Applicable

MISCELLANEOUS

Balance enquiry NIL

Balance Certificate NIL

Interest Certificate First copy : Free

Extra copy : Rs.50/-per certificate
Individual account Rs.150/-
Account closure before 12 months Non-Individuals Accounts Rs.500/-
(This does not include transfer between branches)

Use of Fax/Telephone/Modem Actual

Photo attestation Rs.100/-

Signature attestation Rs.100/-

Rs.50/- per instrument
Stop Payment Charges Rs.200/- for a range of cheques.
Rs. 75/- per annum.
In-operative account If the balance amount is less than Rs.75/-, account is to be closed and
advised accordingly to the customer.
 No service charge, if balance in in-operative account is equal to or more
than the stipulated minimum balance.

NOTE :
Individuals in Rural areas, Pensioners, and Senior Citizens, charges will be 50% in respect of the following
services:
a) Issue of duplicate passbook/ statement of account
b) Issue of chequebook
c) Noting of standing instructions
d) Stop payment instructions
e) Charges for non maintains of minimum balance
f) Issue of balance certificate
g) Signature verification
h) Account Keeping fee
Minimum balance requirement will be reduced to 50%for these classes of customers. Further no charges will be levied on
No-frill accounts, as part of our support to the National effort to improve financial inclusion.