Amount in Rupees

To collect applicable GST on charges

Particulars	Charges*
Any account	20/- per statement per account

Particulars	Charges
Per Pass Book with latest Balance	120/-
Per Pass Book with entries of less than 2 years old-per page (40 entries per page)	40/- in addition to 120/-
In case of entries more than 2 years	300/-

Particulars	SB		CA
	Stop Payment	Stop Payment cancellation/Revocation	Stop Payment	Stop Payment cancellation/Revocation
Charges	100/- per instrument	50/-	200/- per instrument	100/-

Particulars	Charges
Enquiry of old records upto 6 months	100/- per item
Enquiry of old records above 6 months upto 1 year	200/- per item
Enquiry of old records beyond 1 year	300/- per item

SB				CA
With Cheque Book		Without Cheque Book		With Cheque Book
Below one Year from the date of opening	Above one year  from the date of opening	Below one Year from the date of opening	Above one year  from the date of opening	Below one Year from the date of opening	Above one year  from the date of opening
200/-	100/-	100/-	50/-	600/-	300/-
SB A/C No Frill closed before one year					10/-
Closure of deceased depositor ‘s Account-Death claims					NO Charges

Particulars	Charges
RD premature closure within 1 year from date of opening	100/-

A-Outward Bills (OBC)
Particulars	Charges
Upto and inclusive of 5000/-	50/-
5001 to 10000/-	60/-
10001 to 100000/-	125/-
Above 1 Lakh	250/-
Sent directly to Banks-Public/Private/Co Operative/Other RRBs	As per collection charges
Dividend/interest warrants /refund orders -up to Rs.500/-	No Charges
Dividend/interest warrants /refund orders -above Rs.500/-	As per collection charges
Immediate credit of outstation cheques upto Rs.15000/-	As per collection charges
B-LSC
Particulars	Charges
Local sites for collection	No Charges
Local Bills for collection	30/-
Immediate credit of local cheques upto Rs.15000/-	10/-
C-Inward Bills for Collection
Particulars	Charges
Upto and inclusive of 5000/-	50/-
5001 to 10000/-	100/-
10001 to 100000/-	150/-
Above Rs 1 lakh	8/- per thousand with minimum of 800/- & maximum of 15,000/-

Particulars	Charges
Confirmation of specimen signature of customers(including attestation of photo)	200/-

Particulars	Charges
SB	100/- per annum
CA	500/- per annum

Particulars	Charges
Ordinary Post	Actual or 25/-  whichever is higher
Registered Post	Actual or 50/- whichever is higher
Registered post with acknowledgement	Actual or 55/- whichever is higher
Courier	Actual or 50/- whichever is higher

Particulars	Charges
Before 12 months	Penalty of 3% on the balance outstanding in NN Deposit Account
Above 12 months	No penalty
NND partial /full debit towards repayment of loan in own name /creation of Term Deposit	No penalty

Particulars	Charges	Particulars
A	Re-claiming of UCD/ DEA Fund	100/-
B	Interest paid/collected certificate	One certificate per CIF per year free, then 150/- per certificate
C	Balance certificate-SB-CA/OD/CC/ODD etc	100/-
D	RD delayed installment credits	1.50 for every  100/- per month of term of  5 years or less and  2/- for above 5 years
E	Annual Maintenance Charges for CA	50/-

Amount in Rupees

To collect applicable GST on charges

Particulars	Charges
Un delivered Jewels	UptoRs. 1 lakh	Above Rs. 1 lakh
	100/- per month or part there of	200/- per month or part there of

Particulars	Charges*
	Intra Branch	Inter Branch
Standing Instructions for self, RD & Loan A/Cs	No Charges	No Charges
Credit to third party account	50/- per Execution	50/- per Execution
Standing Instructions-non execution due to in sufficient funds(only one time in a month)	75/-	75/-

Particulars	SB	CA
	Charges
For accounts maintained on computers entries or part thereof be treated as one folio.	40/-	40/-
Charges for used Folios	No Charges	100/- per folio per quarter  with a minimum of 300/-
Ledger Folio Charges are not applicable to the Central & State Government accounts.
Charges should be collected once in a quarter on completed pages only.  Part of the page should be considered as full page.
To debit these charges on or before last Friday of each quarter   or on the date of closure of accounts whichever is earlier.

Particulars	Charges
Issue of Duplicate Receipt	100/- per receipt

Particulars	Charges
Registration	SB	Other Accounts
	100/-	200/-

Particulars	Charges
Loss of Token	125/- per token

Particulars	SB-General	BSBD
Withdrawals excluding ATM withdrawals allowed at no cost  per month	8	4
Charges per entry in excess of limit	10/- per withdrawal	10/- per withdrawal
Debit entries in SB accounts	NO Limit	NO Limit
Staff/Ex Staff are exempted

Particulars	Charges
Number of cash withdrawals allowed at NO cost	NO Limit

Particulars	Charges
First time Registration	No Charges
Addition/Deletion/Modification	100/- per instance

Particulars	Charges*#
Addition/Deletion , merger of companies	100/- per account per instance

Particulars	Charges*
Change in mode of operation	100/- per account per instance

Particulars	Charges
Reconstitution particulars recording in accounts	100/- per account per instance

Particulars	Charges*
Updation /Addition/Deletion of Authorized signatory(other than individuals)	100/- per account per instance
Self Help Groups are exempted

Particulars	Charges
Addition/Deletion of names in Joint Accounts	100/- per instance

Particulars	Charges
Copy of paid Cheque	100/- per cheque

Particulars	Charges
Noting of loss of cheque leaf/book	5/- Per leaf with minimum of 50/- and maximum of 500/-

Particulars	Charges
Inward Returns for the reason INSUFFICIENT FUNDS-upto Rs.10,000/-	100/-
Inward Returns for the reason INSUFFICIENT FUNDS-above Rs.10,000/-	200/-
Inward Returns for the reason other than INSUFFICIENT FUNDS-upto Rs.10,000/-	100/-
Inward Returns for the reason other than  INSUFFICIENT FUNDS-above Rs.10,000/-	200/-
Outward Returns for any reason irrespective of amount	200/-

Particulars	Charges
Presentation of Usance Bills for acceptance	100/- per Bill

Particulars	Charges
Service/collection charges	No Charges
Out of Pocket expenses	Shall be borne by Branch

Particulars	Charges
Service/collection charges	As per Normal Charges
Remittance to Prime Minister’s / Chief Minister’s Relief Funds	At par

Particulars	Charges
Remittance of matured deposit amount to own account of customer with other Banks.	Applicable Charges to NEFT/RTGS
Collection of maturity proceeds of a Term Deposit of another bank/branch if the proceeds are invested with collecting branch in Term Deposit	No Charges
Remittance of Maturity proceeds through DD/BC in  the name of Account holder	Charges as per Exchange on DDs

Amount in Rupees

To collect applicable GST on charges

Particulars	Charges*
Up to Rs.1.00 Lakh per day per A/c	No Charges
Above Rs.1.00 Lakh	1/- per thousand with a minimum of 100/-  per day per Account
Staff, PKCC, SHG, PMJDY, BC Settlement A/c & NND Agent A/c are exempted

Particulars	Charges
Upto 500 pieces per day per customer	No Charges
Above 500 pieces per day	above 10/- per 100 pieces or part there of

Particulars	Charges*#
Up to 1 Lakh	5/-
Above 1 Lakh and up to 2 Lakhs	15/-
Above 2 Lakhs	25/-

Particulars	Charges*#
Rs. 2 to 5 lakhs	25/-
Above 5 Lakhs	50/-

Particulars	Charges
Upto Rs.2,000/-	NO Charges
Above Rs.2,000/-	5/- per transaction

A - Cards Issue & Maintenance
Particulars	Charges
	New	Duplicate	Renewal	Annual Fee	Repin
Rupay Normal EMV-Instant	0	100	100	100	50
Rupay Normal EMV-Personalized	250	250	250	100	50
Rupay Platinum-Instant	250	250	250	200	50
Rupay Platinum-Personolized	250	250	250	200	50
PMJDY & KCC Rupay Cards	No Charges
B - Transactions
Particulars				Charges
ATM Financial Transactions (Cash Deposit, Cash Withdrawal, Transfer etc.)  Free Transaction in APGB ATMs				5 per month
ATM Financial Transactions (Cash Deposit, Cash Withdrawal, Transfer etc.)  Free Transaction in other Bank ATMs				3 per month
Exceeding above Free Transactions				20/- per transaction
ATM Non-Financial Transactions (Balance Enquiry, Mini Statement, Pin Change etc.)  Free transactions in APGB  ATMs				5 per month
ATM Non-Financial Transactions (Balance Enquiry, Mini Statement, Pin Change etc. )  Free transactions in other bank  ATMs				3 per month
Exceeding above Free Transactions				10/- per transaction

Particulars	Charges
SMS charges	15/- per account per quarter

Particulars	Charges
Internet Banking password reset through Branch	100/- per instance

Particulars	Charges
CIF transfer-Inter Branch	100/-

Particulars	Charges
Biometric  update with or without demographic	100/- (Including GST)
Only demographic	50/- (Including GST)
Colour Print of Aadhar	30/- (Including GST)
Black & White print of Aadhar	12/- (Including GST)

Particulars	Charges
Mandate Registration one time	250/-
Mandate verification	200/-
Mandate Failure	250/-

Products	(A) Processing charges	(B) Documentation charges
Housing (All Variants) including Housing CRE and for PMAY loans above the respective slabs of LIG/MIG.	0.50% of the sanctioned loan with a Minimum of Rs.2,500/- and maximum of Rs.15,000/-	Nil
Pragathi Vehicle loan (4 wheeler)	0.25% of the sanctioned loan with a Minimum of Rs.1,000/- and Maximum of Rs.5,000/-	Nil
Pragathi Vehicle loan (2 wheeler)	0.25% of the sanctioned loan with a Minimum Rs.250 and Maximum of Rs.1,000/-	Nil
Personal Banking Scheme loan	1% of the sanctioned loan with a Minimum of Rs.1,000/-	Nil
Pragathi Multi Purpose Mortgage Loan	1% of the sanctioned loan with a Minimum of Rs.5,000/-	Upto Rs.25,000/-: Nil Above Rs.25,000/-: Rs.200/- per lakh or part thereof with a minimum of Rs.200/-
Rent Plus (Individuals)	1% of the sanctioned loan with a Minimum of Rs.5,000/-	Upto Rs.25,000/- Nil Above Rs.25,000/-: Rs.200/- per lakh or part thereof with a minimum of Rs.200/-

Products	(A) Processing charges	(B) Documentation charges
Pragathi MSME–Working Capital/OD	Upto Rs.25,000/-: Nil Above Rs.25,000 - Rs.10.00 lakhs: 0.25% per lakhs or part thereof with a minimum of Rs.500/- Above Rs.10.00 lakhs- Rs.400/- per lakh or part thereof	Upto Rs.25,000/-: Nil Above Rs.25,000:- Rs.200/- per lakh or part thereof with a minimum of Rs.200/-
Pragathi MSME Term loan	Upto Rs.2.00 lakhs-0.50% of the loan with a minimum of Rs.500/- Above Rs.2.00 lakhs-Rs.10.00 lakhs: 1% of the loan with a minimum of Rs.2,000/- Above Rs.10.00 lakhs: 1.25% of the loan.	Upto Rs.25,000/-: Nil Above Rs.25,000/-: Rs.200/- per lakh or part thereof with a minimum of Rs.200/-
Pragathi Doctor Plus	0.50% of the loan amount	Upto Rs.25,000/-: Nil Above Rs.25,000/-: Rs.200/- per lakh or part thereof with a minimum of Rs.200/-

Products	(A) Processing charges	(B) Documentation charges
Pragathi Kisan Credit Card (KCC)	Upto Rs.25,000/-: Nil Above Rs.25,000/-: 1% of the Sanctioned loan	Upto Rs.25,000/-: Nil Above Rs.25,000/- : Rs.100/- per lakh or part thereof with a minimum of Rs.200/-
Agriculture Term Loans	Upto Rs.25,000/-: Nil Above Rs.25,000/-: 1% of the Sanctioned loan	Upto Rs.25,000/-: Nil Above Rs.25,000/-: Rs.200/- per lakh
Self Help Groups (SHGs)/SHE Fresh & Renewals	Upto Rs.2.50 lakhs: Nil   (In case of SHGs where the total number of members exceeds 10, then the branches should ensure that the loan limit shall be applicable per member of SHG upto Rs.25,000/- and not to the whole group as a whole)   Above Rs.2.50 lakhs: 0.50% of the loan/limit sanctioned	Upto Rs.2.50 lakhs: Nil   (In case of SHGs where the total number of members exceeds 10, then the branches should ensure that the loan limit shall be applicable per member of SHG upto Rs.25,000/- and not to the whole group as a whole) Above Rs.2.50 lakhs: Both Farm and Non Farm sectors: Rs.100/- per lakhs or part thereof with a minimum of Rs.100/-

Products	(A) Processing charges	(B) Documentation charges
(Includes term loans like Pragathi Commercial Complex loans, Pragathi Commercial Real Estate loans, Rent plus (Non-individuals)) and Non Priority Working Capital loans	Working capital: Upto Rs.2.00 lakhs: 0.35% of the sanctioned limit with a minimum of Rs.500/- >Rs.2.00 lakhs-Rs.10.00 lakhs: 0.50% of the sanctioned limit with a minimum of Rs.1000/- >Rs.10.00 lakhs: 1.00% of the sanctioned limit with a minimum of Rs.10000/- Term loans: Upto Rs.2.00 lakhs- 0.50% of the loan sanctioned with a minimum of Rs.500/- Rs.2.00 lakhs-Rs.10.00 lakhs-1.25% of the sanctioned loan >Rs.10.00 lakhs: 1.00% of the sanctioned limit with a minimum of Rs.10,000/-	Rs.200/- per lakh or part thereof with a minimum of Rs.200/-

Products	Charges
Agri Term loans, Pragathi MSME loans (Including MUDRA accounts), Housing loans (All variants), Pragathi Vehicle loans ( Both 2 & 4 Wheelers), Pragathi Multi Purpose Mortgage loans, Pragathi Rent Plus (Individuals) and other Non-Priority loans (Includes term loans like Pragathi Commercial Complex loans, Pragathi Commercial Real Estate loans, Rent plus (Non-individuals)) and Non Priority Working Capital loans	Upto Rs.25,000/- : Nil   Above Rs.25,000/- & upto Rs.50,000/- Rs. 100/- per visit subject to a maximum of Rs 400/- per borrowal a/c per annum   Above Rs.50,000/ - & upto Rs.2.00 Lakhs Rs.200/- per visit subject to a maximum of Rs. 800/- per borrowal a/c per annum   Above Rs.2.00 Lakhs to Rs.10 Lakhs Rs. 250/- per visit subject to a maximum of Rs.1,000/- per borrowal a/c per annum.   Above Rs.10.00 Lakhs Rs. 500/- per visit subject to a maximum of Rs.2,000/- per borrowal a/c per annum
Pragathi Kisan Credit Card (KCC)	Upto Rs.25,000/-: Nil   Above 25,000 - Rs.1.00 Lakhs: Rs.250 per visit subject to a maximum of Rs.500 per year   Rs.1.00 Lakhs - Rs.3.00 Lakhs: Rs.400 per visit subject to a maximum of Rs.800 per year   Above Rs.3.00 Lakhs to Rs.5 Lakhs: Rs.500 subject to a maximum of Rs.1,000/- per year   Above Rs.5.00 Lakhs- Rs.1,000/- subject to a maximum of Rs.2,000/- per year For KCC, Inspection charges should be debited half yearly (Twice in a year)
Self Help Groups (SHGs)	Upto Rs.2.50 Lakhs - Nil (In case of SHGs where the total number of members exceeds 10, then the branches should ensure that the loan limit shall be applicable per member of SHG up to Rs.25,000/- and not to the group as a whole)   Above Rs.2.50 Lakhs to Rs.10 lakhs Rs. 250/- per visit subject to a maximum of Rs. 1,000/- per borrowal a/c per annum   Above Rs.10.00 Lakhs Rs. 500/- per visit subject to a maximum of Rs.2,000/- per borrowal a/c  per annum

Particulars	Charges
Mortgage charges	Upto Rs.10.00 lakhs- Rs.2,000/- >Rs.10.00 lakhs-Rs.100 per lakh with a minimum of Rs.2,000/- and maximum of Rs.5,000/-

Performance Guarantee	(i) Financial & Performance -300/- + 3.6% p.a. or part thereof (ii) Cash Margin-300/- + 25% of 3.6% (0.9%) per annum
Other than performance Guarantee	(i) Financial & Performance -300/- + 3.6% p.a. or part thereof (ii) Cash Margin-300/- + 25% of 3.6% (0.9%) per annum
Guarantee against 100% cash payment as deposit/margin	300/- + 25% of 3.6% (0.9%) per annum
Full commission should be collected as per the above rates if the cash deposit is only a part of the security offered.
Guarantee commission should be collected in advance at the time of issuing guarantee for the full liability   and claim period.
Guarantee commission has to be collected for a minimum period of one year even if the guarantee period is less than one year and insteps of quarters for guarantees of above one year.  A part of the quarter is to be treated as full quarter.
The commission should be collected as above for the extended period of validity of the guarantee treating it as a fresh guarantee.

Particulars	Charges
Solvency Certificate	Upto Rs.1.00 lakhs- Rs.1,000/- Above Rs.1.00 lakhs- Rs.10.00 lakhs-Rs.3,000/- Above Rs.10.00 lakhs- Rs.25.00 lakhs- Rs.4,500/- Above Rs.25.00- lakhs-Rs.50.00 lakhs- Rs.6,000/- Above Rs.50.00 lakhs- Rs.12,000/-

OD/CC/ODH	Rs150/- folio per quarter  with a minimum of 300/- for O.D./C.C./O.D.H account
For Self Help Groups OD A/cs	Upto Rs. 2.50 lakhs Nil (In case of SHGs where the total number of members exceeds 10, then the branches should ensure that the loan limit shall be applicable per member of SHG up to Rs.25,000/- and not to the group as a whole). Above Rs. 2.50 lakhs :   Rs. 100/- per folio per annum.
For accounts maintained on computers, 40 entries or part thereof be treated as one folio.
Folio Charges are not applicable to term loan accounts and staff advances.
Ledger Folio Charges are not applicable to the Central & State Government accounts with the branch
These Charges should be collected once in a quarter on completed pages only.  Part of the page should be considered as full page.  Branches are advised to debit these charges on or before last Friday of each quarter   or on the date of closure of accounts whichever is earlier.

(A) Jewel Appraiser fee	For both Agriculture and non-Agriculture @.0.3% on sanctioned limit subject to a minimum of Rs..25/- and maximum of Rs.500/- .
(B) Gold loan handling charges-to be collected in case of gold loans closed within 1 month from the date of sanction/disbursement.	Irrespective of limit/amount sanctioned charges applicable are Rs.200/-
(C) Auction of Jewels
Service charges	Rs.300/-
Paper Publication	Actual charges on proportionate basis irrespective of the loan amount
Postage	Actual charges on proportionate basis irrespective of the loan amount
(D) Loss of Gold Loan slip	Rs.50/-
(E) Commitment Charges
Commitment charges shall be levied  @ 1% per annum on the committed line of credit and unutilized/unavailed sanctioned working capital limits or short term limit for working capital purposes and also Term loans in respect of corporate borrowers with sanctioned limits (FB,NFB or combination including Term Loans) of Rs.100 lakhs and above from Bank.
Norm for applicability of commitment charges
1-If average level of utilization of the working capital limit is less than 60% of the limit sanctioned in an annum.
2-If the unutilized portion of the term loan is 60 % of the sanctioned loan.
For KCC loans, Inspection charges should be debited to the loan accounts once in Half year Or on the day of closure of loan account whichever is earlier.
(F)Modification of Sanction terms (Terms accepted by the Borrower at the time of sanction)	Upto Rs.1.00 crore-Rs.5,000/- Above Rs.1.00 crores- Rs.10,000/-
(G) Revalidation of sanction	50% of the applicable processing chares for WC limits and 30% of the upfront fee for Term loans.
(H)(i)One time charges for extending finer rate/Concessions	For loans above Rs.10.00 lakhs –Flat Rs.5,000/-
(H)(ii) Term loan annual review charges:	No annual review charges
(I) Obtaining of EC(Annual/Bi annual) charges	Rs.300/-
(J) Valuation done by Branch Official	0.20% of loan amount with Min of Rs.500/- & Max of Rs.1,000/-
Charges for assisting valuer by officer/manager	Rs.200/-
(K) Credit Information Report charges
Credit Information Report-Consumer	Rs.100/- per report
Credit Information Report-Commercial	Rs.1,200/- per report
(L) Insurance Charges	Actual
(M) No due certificate for non-customers of our Bank	Rs.100/-
(N) No due certificate for Non Govt schemes	Rs.100/-
No due certificate for Govt schemes ( Existing & New)	Nil
(O) Upfront fee for premature closure of loan by takeover/transfer of liability by other banks	The Bank has stipulated pre-payment penalty for pre-closure of Term Loans (Both priority and non priority) and loans under various Retail Lending Schemes of the Bank as under: a. Prepayment penalty may be imposed on the outstanding liability wherever the borrower makes request for transfer of his loan account to other banks/ FIs. b. Such pre-payment penalty may be decided by Head office from time to time. For the present, the same has been stipulated at 2%. c. For pre-closure of MSME loan/limit by the borrower not involving the transfer of accounts to other banks / FIs, no penalty need be levied if the sanctioned loan is less than or equal toRs.50.00 lakhs.( Code of Bank’s Commitment to Micro and Small Enterprises, 2015). d. If MSME loan/limit above Rs.50.00 lakhs is fore closed out of the own funds of the borrower (not involving the takeover), pre closure/Pre-Payment charges are applicable. For part payment in all categories (except wherever not applicable), if the O/s balance of the loan is reduced by above 40% before 2 months of the closure of the account, 2% penalty is applicable on the amount partly paid.   f. The Prepayment penalty shall be treated as other income and accounted under commission head. g. Prepayment charges shall be levied on all Housing Loan accounts prematurely closed by borrowers by availing finance from other banks/FIs and also closed out of the own funds of the borrower. h. Branches shall also mention the condition of charging foreclosure charges / prepayment penalties @2% in the terms and conditions in the sanction letter to be issued to the borrowers against their acknowledgement and place them in the customer Individual file for verification to avoid any complications in this regard.