INDIAN OVERSEAS BANK BANKING OPERATIONS DEPARTMENT, CENTRAL OFFICE, CHENNAI. REVISION OF SERVICE CHARGES

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1 INDIAN OVERSEAS BANK BANKING OPERATIONS DEPARTMENT, CENTRAL OFFICE, CHENNAI. REVISION OF SERVICE CHARGES Service Charges will be effective from 1 st October, Processing Charges: (A) FOR FUND BASED LIMITS CHAPTER I Processing Charges for Loans/Advance Proposals For all types of advances under Non-priority and Other priority sectors (at the time of initial processing, each renewal and adhoc increase) including term loans under special credit schemes (Except Housing Loans) and Working capital. Amount of Loan/Limit Non-Rural Branches Rural Branches Upto Rs. 25,000/- Nil Nil Above Rs. 25,000/- Upto Rs. 2,00,000/- Rs.180 Rs.150 Above Rs. 2,00,000/- Rs.250 per lac or Rs.200 per lac or part Part thereof thereof With maximum of Rs lakhs per borrower /unit for working capital 2) For Stand alone Term Loans as well as Term Loans sanctioned with other facilities. a) Upfront fee at 1.13% of term loan limit at the time of initial sanction. 3) For Short term Agricultural Loans like KCC/ Crop Loans/ AJL (for production credit) up to Rs. 3 lakhs Amount of Loan/Limit Upto Rs. 3,00,000/- N I L 3) Short Term Agricultural Loans like KCC/ Crop loans- other than AJL above Rs. 3 lakhs Rs.200 per lakhs or part thereof. 1

2 4) Short term AJL (Agricultural Jewel Loan) above Rs.3.00 lakhs Amount of loan /limit Loan above Rs.3.00 lakhs to Rs.1 crore Loan > Rs.1 crore Charges 0.30% of sanctioned limit with max. of Rs.30000/- 0.30% of sanctioned limit with max. of Rs.50000/- 6) For Agricultural Term Loans other than Kisan Credit Card(KCC) Amount of Loan/Limit Upto Rs. 25,000/- Above Rs. 25,000/- Upto Rs. 2,00,000/- Above Rs. 2 Lakhs N I L Rs.150 per lakh or part thereof Rs.0.80% of the sanctioned Limit 7) For Jewel Loan to others Amount of Loan/Limit Irrespective of amount 0.80% of the loan amount Charges on Release of Securities (Jewel Loans-others) - Rs.200 per packet 8) For SHG and Govt Sponsored Schemes 9) For Subagruha/ Other housing Finance scheme Loans : 0.58% of the amount of loan with maximum of Rs.15000/- 10) Lead Bank Charges where we are consortium leader 0.25% of the total sanctioned limit subject to maximum of Rs.50 lakhs 11) Allocation of limits between the branches- Rs.10000/ per branch 12) Creation of Charge by way of mortgage over the securities for limit above Rs.one crores Rs.10000/ on sanction/enhancement/modification 13) Release of securities on closure of loan of Rs.25 lakhs and above Rs. 1000/ 2

3 B) FOR NON-FUND BASED LIMITS (For all sectors) Amount of Loan/Limit Non-Rural Branches Rural Branches Upto Rs. 25,000/- Above Rs. 25,000/- Upto Rs. 2,00,000/- Above Rs. 2,00,000/-to Rs.10 lakhs Above Rs.10 lakhs to Rs.100 lakhs Above Rs.100 lakhs to Rs.10 crores Above Rs.10 crores Rs.100 Rs.110 per lac or part thereof Rs.150 per lakh or part there of Rs.200 per lakh or part there of Rs.250 per lakh or part there of Rs.80 Rs.90 per lac or part thereof Rs.120 per lakh or part there of Rs.160 per lakh or part there of Rs.200 per lakh or part there of (C) Processing Charges for modification/revalidation of sanction terms CHARGES FOR MODIFICATIONS EFFECTED ON SANCTION TERMS When the terms of sanction have been accepted 0.25% on the total fund based and non-fund based limits approved under the sanction order Minimum Rs.1000/= and Maximum Rs.5 lacs CHARGES FOR REVALIDATION OF SANCTION When customer does not avail sanctioned limit till the expiry date and approach for revalidation of sanctions already expired/about to expire. 0.25% on the total fund based and non-fund based limits approved under the sanction order These should be made part of sanction letter as conditions. Minimum Rs.1000/= and Maximum Rs.5 lacs 3

4 CHAPTER II Bills / Cheques for Collection (Including Supply Bills) 1. Outward / inward collection of cheques / instruments A: Outstation cheques, demand drafts, interest warrants, dividend warrants, refund order, income tax refund orders, local/outstation collections from treasury and post office For SB account holders Amount of the Instrument Upto & inclusive of Rs.29/ per instrument Rs.5000/- Above Rs.5000/ and up Rs.56/ per instrument to and inclusive of Rs.10,000/ Above Rs /- upto Rs.112/ per instrument Rs. 1,00, 000/- Above Rs. 1,00,000/ Rs.168/ per instrument For other accounts: Amount of the Instrument Up to Rs.10,000/ Above Rs /- upto Rs. 1,00, 000/- Above Rs. 1,00,000/ Rs.10 per Rs.1000 with min. Rs.35 and max. Rs.100 Rs.120 per instrument Rs.200 per instrument B : Outward collection of Cheques through Speed Clearing : Amount of the Instrument Upto & inclusive Rs /- Above Rs / of Rs. Rs.200 per instrument 1) Collection charges in respect of outstation cheques and Inland Bills where two Banks are involved must be shared by the remitting Bank and the collecting Bank on a 50:50 basis. 2) No Service charges are to be recovered on collection of cheques towards 4

5 scholarship amounts payable to SC/ST students. 2. Outward / inward collection of Bills (Clean, Documentary, Demand/Usance including supply bills) Amount of instrument Upto & inclusive of Rs.5000/- Above Rs. 5000/- upto Rs.10000/- Above Rs /- but less than Rs. 1 Lakh Rs. 1 Lakh and above but below Rs.10 Lakhs Rs.10 Lakhs and above Rs.60 + actual Postages Rs.80 + actual Postages Rs.6/- per 1000 with a minimum of Rs.120+ Actual Postages Rs.6/- per Actual Postages Rs.6/- per Actual Postages Maximum Rs COLLECTION OF DIVIDEND WARRANTS: Dividend Warrants for amounts upto Rs. 100/- may be collected at par, subject to collection of postages, out of pocket expenses. 4. COLLECTION OF NON-MICR INSTRUMENTS: No service charges will be levied on collection of local non-micr instruments. 5. COLLECTION OF DEPOSIT RECEIPTS ON MATURITY: Collecting branch shall levy charges as applicable to remittances. 6. CHARGES FOR BILLS/CHEQUES RETURNED UNPAID (BOTH INWARD/OUTWARD): Category Local cheques (both inward/outward) For outstation outward Cheques Cheque upto Rs >Rs to Rs.1 lakh >more than Rs. 1 lakh Service Charges For Cheques- outward Rs.100 Cheques Inward Upto Rs /- Rs.60/- >Rs Rs.1,00,000/- Rs.75/- >Rs. 1 lakh to Rs.10 lakhs Rs.120/ >Rs.10 lakhs to Rs.1 crore Rs.150/ >Rs.1 crore Rs.200/ for first three returns after that Rs.300 per return Rs.6 per Rs.1000 with minimum of Rs.25/- per instrument Rs. 125 per instrument Rs. 200 per instrument 5

6 For outstation outward Bills /inward collection bills For Local outward Bills /inward bills Cheque return charges For return under speed clearing ECS-return charges 50% of collection charges stipulated for bills for collection as per point no2 subject to a minimum of Rs.60/- Rs.100 Upto Rs.1 lakhs cheque >Rs. 1 lakhs Rs.75/ Rs.250/ per instrument Up to Rs..25,000/ Rs.100 > Rs.25,000 up to Rs. 1 lakh Rs.100 > Rs.1 lakh up to Rs.10 lakhs Rs.150 > Rs.10 lakhs up to Rs.1 Crore Rs.250 > Rs. 1 Crore- Rs.250 for first 3 returns and Rs.400 from 4 th return 1. CHARGES FOR INWARD BILLS FOR COLLECTION, WHEN DOCUMENTS ARE DELIVERED FREE OF PAYMENT : Whenever documents under Inward Bills for collection are delivered free of payment to the drawee of the Bill, by a Bank, under specific instructions of the drawer of the Bill, the collecting Bank should levy handling charges in conformity, and on par with charges presently leviable in respect of Bill returned unpaid as transfer/remittance of funds is not involved. 2. Charges for change of original instructions regarding Outward/ Inward Bills for collection- Rs.75 per request. 3. Rental charges for collection bills received under Post parcel: Rs.20 per parcel per day or part thereof with minimum of Rs.50 6

7 CHAPTER III Remittances (DD/ /TT/RTGS/ NEFT/ECS) 1.REMITTANCES - (DDs/ /TTs) Amount of the Instrument Non- Individuals- Individuals Individuals Rural Non-Rural Upto Rs Rs.50 Rs.35 Rs.50 Above Rs /- upto Rs.3.00 per 1000 Rs.2.00 per per 1000 Rs. 1 Lakh Minimum of Minimum of Minimum of Rs.50 Rs.35 Rs.50 Above Rs. 1 Lakh 3.00 per per 1000 Rs.2.30 per 1000 Minimum of Minimum of Minimum of Rs.300 Rs.200 Rs.250 and Maximum and Maximum and Maximum of Rs Of Rs of Rs ) RTGS Type of transaction RTGS INWARD RTGS-Outward Service Charges (Rs) Time of settlement at RBI 9.00to hrs After to After hrs hrs From Rs. 2 lakhs up to Rs. 25+S.T Rs. 26+S.T Rs. 30+S.T Rs. 5 lakhs i.e Rs. 28 i.e. Rs. 29 i.e. Rs. 34 Above Rs. 5 Lakhs Rs. 50+S.T Rs. 51+S.T Rs. 55+S.T i.e. Rs. 56 i.e. Rs. 57 i.e. Rs. 62 3) NEFT Type of transaction Service Charges (Rs) NEFT- INWARD NEFT-Outward Up to Rs. 1 lakh Above Rs. 1 Lakh up to Rs. 2 lakh Rs. 17 Above Rs. 2 Lakhs Rs. 29 7

8 4) ECS Charges Type of transaction ECS- For both Inwards and Outwards For Individuals For Corporates -Registration Service Charges (Rs) Rs.2 per transaction Rs.100 CHAPTER IV Transaction entry Charges For CD/CC accounts For accounts with Free Entries Charges average balance ( Daily average balance) Up to Rs. 25,000/ Rs.80 for 40 entries > Rs.25000/but < Rs.80 for each additional 40 entries > Rs.50,000 but < 1 lakh 200 Rs.80 for each additional 40 entries >Rs. 1 lakh but < Rs.80 for each additional lakhs. 40 entries > Rs. 2 lakhs All entries free No entry charges 1. The entry charges should be levied annually and credited to commission account. 2.The Charges will be applicable for Current and Cash Credit Accounts only. CHAPTER V Inland Guarantees and Deferred Payment Guarantees Item of services INLAND GUARANTEES For Both performance and other than performance gurantees Chrages Non-Rural Branches Rs.200 Plus 0.80% per quarter or part thereof with a minimum of 1.60% Rural Branches Rs.160 Plus 0.70% per quarter or part thereof with a minimum of 1.40% 8

9 Concession allowed to large units a) Limits( LG) are Rs.5 crores to Rs. Rs.10 crores 30% b) Limits( LG) are above Rs.10 crores 50% 1) The guarantee commission should be collected for the full specified period of liability at the time of signing a guarantee. The liability period means the actual validity period of the guarantee plus additional period, if any, during which claims can be made on the Bank under the guarantee. The commission is charged for minimum 2 quarters on the issue but in case of extension of LG during currency of it, the charges will be as per proposed period with minimum of one quarter. 2) If the Guarantee is secured by 100% margin by way of cash margin, 50% of the normal commission should be charged. 3) If the Guarantee is secured 100% by way of term deposits of our Bank, 50% of the normal commission can be charged, if the Guarantee is for Rs. 25 lakhs and above only. 4) Commission for Inland Deferred payment Guarantee/ Co-acceptance of bills should be collected in full at the time of issue for full period of Guarantee duly reckoning the reduced liability arising out of the payment of the installments due under the guarantee. In case the party does not provide funds for the payment of Installments on the due date then Commission should be collected for such defaulted installments also. 4) For Guarantees issued with reduced liability clause the commission could be refunded on the customer producing evidence of payment of dues. 5) Where the aggregate commission under DPG / Co-acceptance of Bills are substantial, branch should seek permission from of RO/CO for collecting commission on annual basis instead of advance collection. In such cases commission for the full one year and broken period up to the end of next calendar year should be collected at the time of issue and thereafter on an annual basis. 6) For guarantee tendered for cancellation before the date of expiry, an amount computed at half of the original rate for the unexpired period of guarantees less three months may be refunded. 7) In case of guarantees issued for export obligations pro-rata refund of guarantee commission is permitted. CHAPTER VI Inland Letter of Credit SCHEDULE OF CHARGES ON INLAND LETTERS OF CREDIT 1) A: For all Inland Letters of Credit, the following charges, with a minimum of Rs.110 shall be collected : The minimum charges of Rs.110 (usance + commitment charges) stipulated in the schedule would be applicable for both Non- 9

10 Revolving and revolving Letter of Credit. a) Usance charges according to the tenor of the bill at the rate of Sl. No. Charges Period i. 0.40% For bills upto 7 days sight ii. 0.60% For bills over 7 days and upto 3 months sight iii. 0.60% For the first 3 months plus 0.40% p.m. In excess of 3 months sight b) A commitment charge for the period of liability (from the date of opening of credit to the last date of its validity) at the rate of 0.40% for every period of 3 months or part thereof. If LC is secured by 100% cash margin 50% of the normal charges should be collected. Concession allowed to large units having non fund based limits as below a) Limits are Rs.5 crores to Rs. Rs.10 crores 30% b) Limits are above Rs.10 crores 50% 2) Revolving Letters of credit: a) On a revolving credit in addition to the usance charges as (a) above Commitment charge on the Letter of Credit amount shall be levied at the rate of 0.40% (minimum Rs.300) for every period of 3 months or part thereof for the period of liability from the date of opening of the credit to the last date of its validity. b) On each reinstatement, usance charges according to tenor as stated above. Commitment charge of 0.40% (minimum Rs.300) on reinstated amount only. 3) Advising Inland Letters of Credit : When advising Inland Letters of Credit opened by Correspondent banks (which shall include Letters of Authority, orders to negotiate), the advising banks shall levy advising commission at 0.10 percent of each L/C with a minimum of Rs. 150 and a maximum of Rs if such credit does not carry the confirmation. A bank shall further charge a flat commission of Rs.150 for advising each amendment to the L/C. 10

11 4. Confirmation of Inland letters of Credit : If an advising bank confirms a Correspondent s credit, it should collect a commitment charge for the full validity of the credit at the rate of 0.40% for every quarter or part thereof subject to a minimum of Rs.160 as well as usance charge according to the tenor of the bill as per 1 (a). 5. Transferable Letters of credit : When the transfers are made under a Transferable Letter of Credit (whether full or in part and whether endorsed on the credit itself or not), a flat charge of Rs.160 shall be made for each advice of transfer, except when the name of the beneficiary of the credit is changed on instructions received directly from the opening bank. The transfer charge shall be for the account of the first beneficiary of the credit unless otherwise specified. On all Letters of Credit calling for usance drafts to be drawn on and accepted by banks, an acceptance commission shall be charged at the rate of 0.40% p.m. with a minimum of Rs.160 p.m. If a charge is to be collected from the beneficiary and he refuses to pay the charge it must be collected from the opener (applicant for the credit ). 6. Negotiation Charges: The Negotiating branch shall levy negotiation charges at the following rates: i) For bills upto Rs % with a minimum of Rs.160 For bills over Rs % with a minimum of Rs PLUS ii) Discount at applicable rate of interest from the date of negotiation to the date of reimbursement Since the negotiation charges given in the schedule are comprehensive covering both aspects of cost of handling and cost of funds, as opined by the committee, no further charges should be applied for the bills negotiated under LCs except the prescribed negotiation charges and other out of pocket expenses. If the collecting bank is not the negotiating bank, the charges as applicable to the Collection of Bills be levied by the collecting bank. 11

12 7. Out of pocket expenses : All out of pocket expenses such as postages, telephones etc, shall be collected from the beneficiary unless otherwise specified. 8. Guarantees on account of discrepancies in documents : A commission of 0.40% p.m. with a minimum of Rs.160 p.m. shall be charged for joining in customers guarantee and for giving guarantees on behalf of customers to other banks in respect of discrepancies in documents negotiated under Letters of Credit when payment received under reserve is credited to the beneficiary s account. However, no such charge should be recovered if money received under reserve at the request of the customer is not parted with. When called upon to refund payment made to them under reserve (general or specific reserve), banks will pay to the negotiating bank (in the case of Restricted L/Cs) the face value of the bill together with interest at the commercial rate of the negotiating bank plus charges. Interest/charges, if any, would be for customer s account. 9. Clean Payment received under Letters of Credit : A flat charge of Rs.160 will be levied by the beneficiary s bank for receiving clean payment and crediting beneficiary s account. 10. Certificates : When the beneficiary asks for attestation of Commercial Invoice at the time of negotiation/collection, such attestation, may be done free of charge but should the beneficiary ask for attestation of invoices on a subsequent occasion then charge of Rs. 50/- per invoice should be levied on each and every occasion he finds it necessary to do so. ADDITIONAL INSTRUCTIONS / INFORMATION Commission would be charged when a LC is opened or amended and no refund could be allowed in any circumstances, Whether a credit is cancelled, is expired, when partly availed of or expired wholly unavailed of. Concessions Allowed for LG/LC: 1. 50% of normal charges are to be recovered for Letter of Guarantee/ Letter of credit secured by 100% cash Margin. 12

13 CHAPTER VII Service Charges for Defence Personnel/Ex-Servicemen SERVICE CHARGES FOR DEFENCE PERSONNEL / PARAMILITARY / EX-SERVICEMEN : Items of Service i.standing Instructions ii.outward remittances iii.collection of Cheques Charges a) Standing instructions on behalf of Defence Personnel/Ex-servicemen should be carried out free of charge. However, actual Postal / out of pocket expenses will be Recovered. a) At par remittance to family upto Rs.5000/- per month and one time remittance for payment of school/college fees in a year. a) At par collection of salary / terminal dues. b) The next kin of the deceased soldiers will be allowed to collect the cheques representing exgratia from Regiments/Units, payment of terminal credit balance, Armed Forces Provident Fund and family pension, free of cost. ADDITIONAL INSTRUCTIONS / INFORMATION Both the concession available for outward remittances and collection of cheques are applicable to meet their personal requirements only. Whenever, these are required for business/profitable vocation pursued by them, normal charges should be recovered even from Ex-servicemen / Defence Personnel. 13

14 CHAPTER IX Miscellaneous Services Items of Service Charges 1. Issue of Duplicate Statement Pass Book Rs. 100 per 40 entries Rs. 100 Flat 2. Issue of dratf- duplicate Individual Rs.80 Non Individual Rs Revalidate of draft Individual Rs.80 Non Individual Rs Cancellation of draft Individual Rs.80 Non Individual Rs Issue of duplicate fixed deposit Rs Standing instructions Credit to Deposit/RD/Loan within same branch Free Execution Registration Others- Rs. 40 per instruction Rs.40/ 7. Charges for non-maintenance SB Rs.100 per Quarter of minimum balance CDCC Rs.500 per quarter SB- Basic SB deposit Account 8. Issue of Cheque Book Cheque - MICR Non MICR SB(50 leaves Free per calendar year) Per cheque- Rs.3.00 Rs CDCC Per cheque- Rs.3.50 Rs Stop payment instruction SB CDCC 10. Account Closure Charges SB (with Cheque Book) (without Cheque Book) CDCC 11. Issuance of No due Certificate Weaker Section Others 12. Charges for signature / Photo/ Forms/etc. verification/confirmation Pensioners-certificate of mandate 13. Issuance of Duplicate Interest/ Balance certificate 14. Charges for Inoperative Account SB CDCC (Debit of charges not to result overdraft in the account) (Per instrument) Rs.60 with max. Rs.300 per occasion Rs.120 with max. Rs.510 per occasion No charges if closed after one year (SB) Rs.80 Rs.60 Rs.200 Rs.100 per certificate Rs.100 per verification Rural Rs.40 Non Rural Rs.80 Minimum balance Maintained Not maintained Rs.20 per H. Yr Rs.70 per H. Yr Rs.50 per H Yr Rs.100 per H Yr. (Charges are per half year) 14

15 Items of Service Charges 15. Charges of Godown Inspection Limit upto Rs. 100 lakhs >Rs.1 crore to Rs. 10 crores >Rs.10 crores to Rs.50 crores >Rs.50 crores (No inspection charges for priority sector advance upto Rs.25000/) 16. Cash Handling Charges for CDCC Executive Officer award staff Rs. 250 Rs.150 Rs.100 These charges are per hour (plus actual conveyance charges) Rs.1000 per visit+ta bill passed by RO/CO Rs.1500 per visit+ TA bill passed by RO/CO Rs.2000 per visit+ TA bill passed by RO/CO First 10 sections After that Rs.10 per section with max. of Rs.2550/ 17. Issuance of Solvency Certificate 0.20% of amount involved with minimum of Rs.1000 and maximum of Rs / per certificate 18. Charges for credit opinion/report to other banks 19. Charges for inquiry relating to old records (more than 12 months) 20. Record copy of cheque /other instrument 21. Mortgage charges for non priority sector advances where land/buildings are taken as prime security (For all priority sector advances and for all non-priority sector advances with collateral securities, mortgage charges are not applicable). In case of enhancement, charges will be taken for enhanced limit only. 22. Commitment charges on working capital limit/ non fund based limit/ term loan of Rs.100 lakhs and above Individual Rs.100 per request Non individual Rs.500 per request Rural Non Rural Individual Rs 60 Rs.80 Non Individual Rs.80 Rs.120 ( charges are per query/ record/item) Rural Non Rural Individual Rs 40 Rs.80 Non Individual Rs.80 Rs.120 ( charges are per query/ record/item) 0.70% of fund based/ non fund based limit with minimum of Rs.1000 and max. of Rs.10000/- 0.51% per annum of unutilized portion subject to tolerance level of 20% on each limit. 15

16 23. Pre- closure charges Housing loan Education loan Others Term loans (Please also refer to retail Banking and Marketing Deptt circular issued from time to time for pre closure charges on retail credit scheme) 24. First Time authorization through power of attorney /mandate 25. Change of name for operation of account (only in case of CDCC) Taken over by paid from own other bank/inst. Resources Nil Nil Nil 2.23% 2.23% For the loans granted under fixed rate option prior to , 1% Pre payment charges should be collected on the amount outstanding as of date if they are closed prematurely. Rs.200 Rs.100 per change 26. Dormant Account (CDCC) Rs.100 per annum 27. Addition/deletion in joint Rs.100 per request both for SB/CDCC accounts or change in operational instructions or authorized signatories 16

17 Chapter XI Safe Deposit Lockers and Safe Custody charges Safe Custody: Items of Service Sealed covers (keys, wills, other papers sealed in a single envelope) Sealed Boxes Small packages Charges Rs.300 per cover per annum or part thereof payable in advance Rs.750 per annum payable in advance per box Rs.110 per quarter or part thereof payable in advance per package Safe Deposit Lockers: -Rentals Items of Service Charges Charges For Visits/ Operations Rs.50 per operation over and above 12 free operations in a year For delay in remittance of Locker rentals for staff and public For Loss of Locker keys 2% of rent due per month as penalty Rs.300 in addition to break opening charges SAFE DEPOSIT LOCKER RENT Metro/Urba n Semi Urban/Rural Staff at all centres Type / Category - Type A Rs.1100 Rs.700 Rs Type B Rs.1550 Rs.1000 Rs Type C Rs.1950 Rs.1150 Rs Type D Rs.2100 Rs.1300 Rs Type E Rs.2850 Rs.1750 Rs Type F Rs.3700 Rs.2600 Rs Type G Rs.3700 Rs.2600 Rs Type H Rs.5000 Rs.3300 Rs Type H1 Rs.2550 Rs.1750 Rs Type K Rs.8150 Rs.4500 Rs Type L Rs.8150 Rs.4500 Rs Type L1 Rs.6200 Rs.3900 Rs Type L2 Rs.8150 Rs.4500 Rs

18 SAFE DEPOSIT LOCKER CAUTION DEPOSIT Metro/Urban Semi METRO/URBAN - Type A Rs Rs Type B Rs Rs Type C Rs Rs Type D Rs Rs Type E Rs Rs Type F Rs Rs Type G Rs Rs Type H Rs Rs Type H1 Rs Rs Type K Rs Rs Type L Rs Rs Type L1 Rs Rs Type L2 Rs Rs % concession allowed for senior citizens (persons of age of 60 years & above) 18

19 Chapter XII For I.T related products Charges for ATM/ VISA Cards ( Both Debit and Credit cards) Items of Service Charges Issue of new VISA ATM cards Renewal of VISA/ATM cards Annual fees for ATM Debit Rs.112/ cards Re-issue of cards, if Lost/ Rs.112/ stolen/ damaged Re-issue of PINS Rs.22/ Smart Cards For usage of ATM cards at FREE Merchant establishments Surcharge at the rate of 2.50% + Service Tax of For usage of ATM cards at transaction Petrol Pumps amount or Rs.10 whichever is higher Surcharge at the rate of 2.50% + Service Tax of For usage booking of train the tickets through internet transaction amount. Charges for ATM transactions Transactions by SB account holders from other Bank ATMs-Free-5 transactions per month. Thereafter Rs.20 per transaction. For other account holders: NO FREE- For all transactions Rs.20 per transaction. Cheque Book request through Rs.61 per request ATM Payment Gateway transactions For our Bank Debit/ Credit card holders Rs.10 per transaction For other Bank Debit/ Credit card holders at 1.80% (plus applicable Service tax) of the transaction amount with a minimum of Rs.15/- The following debit card holders are exempted from the payment of the above Annual Maintenance Fee. i. SB account holders under Special Schemes, like, SB-SILVER and SB- GOLD category. ii. SB account holders under SB student scheme iii.staff Members 19

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