Service Charges

28 May 2019 17:03:00

DETAILS

 

OUR (JKSBL)ATM USAGE

OTHER ATM USAGE CHARGES

OTHER ATM USAGE

FREE TRANSACTIONS
SAVING ACCOUNTS
 Financial
Cash Withdrawal Per Day / Per Transactions 		NIL Rs. 20/-
Per Transactions 		Either Financial & / or
Non-financial



Maximum 5
Transactions
Per Month
Non-Financial
Non-Financial
Balance Inquiry
Mini Statement Etc.		 NIL Rs. 10/-
Per Transactions
CURRENT ACCOUNTS/   CC/OD Accounts
 Financial
Cash Withdrawal Per Day / Per Transactions 		NIL Rs. 25/-
Per Transactions		 Either Financial &/or
Non-financial

No Free Transactions


All transactions are Chargeable
Non-Financial
Balance Inquiry Mini Statement Etc.		 NIL Rs. 10/-
Per Transactions
Particulars
Charges









CHEQUE BOOK ISSUE
CHARGES		 Saving:
  • Two chequebook of 15 leaves each will be issued free of cost for each financial year.
  • For additional cheque book Rs. 3.00 per leaf i.e. Rs.45.00 for 15 leaves cheque Book will be charged.
Special Saving:
  • Three chequebook of 15 leaves each will be issued free of cost for each financial year.
  • For additional cheque book Rs.3.00 per leaf i.e. Rs.45.00for 15 leaves cheque Book will be charged.
Current/CC/OD/ODDEP:
  • Rs.3.00 per leaf i.e. Rs.135.00 for 45 cheque leaves will be charged.
  • Rs.5.00 per cheque leaf with voucher (Minimum quantity 450)
  • Rs.10.00 per leaf for Post Dated Cheque to all above product.
Special Current
  • As per Gold and Platinum Scheme. The details about the scheme is available with Branch Officials
STOP PAYMENT CHARGES Saving:
  • Rs.100.00 Per Instrument Maximum
  • Rs.450.00
Current/CC/OD/ODDEP:
  • Rs.150.00 Per Instrument Maximum
  • Rs.600.00
STOP PAYMENT CHARGES  
In case of loss of complete Cheque Book
  • For all Saving Bank Account products Rs.400.00 per book (30 leaves)
  • For all Other Account products Rs.600.00 per book (45 leaves)
CHEQUE RETURN  
CHARGES (Inward)
  • Saving:
    Rs.150.00 plus 18% p.a. interest on cheque amount.
  • Current/CC/OD/ODDEP:
    Rs.250.00 plus 18% p.a. interest on cheque amount.
CHEQUE RETURN  
CHARGES (Outward)
  • Saving:
    Rs.150.00 per instrument
  • Current/CC/OD/ODDEP:
    Rs.250.00 per instrument.
  • Term Loan (PDC):
    Rs. 250.00 per instrument
ECS RETURN  
CHARGES (Inward)

  • Saving:
    Rs.150.00 plus 18% p.a. interest on amount.
  • Current/CC/OD/ODDEP:
    Rs.250.00 plus 18% p.a. interest on amount.
Issue of Loose Leaf Rs.10.00 per Leaf
 
(*) All above charges are exclusive of service tax
Demand Draft Issue Charges
  • Rs.2.00 per thousand Minimum Rs.25.00
    Maximum Rs.15000.00 drawn on HDFC Bank.
  • In case of another Bank, Rs.100.00 per draft plus other Bank charges.
Issue of Duplicate Demand Draft
Issue of Duplicate Demand Draft Rs.100.00 Per Demand draft.
Revalidation of Demand Draft
Revalidation of Demand Draft Rs.100.00 Per Demand draft.
Cancellation of Demand Draft
Cancellation of Demand Draft Rs.100.00 Per Demand draft.
 
(*) All above charges are exclusive of service tax

Type Of Charges

Particulars

Charges

Loan Processing Charges Excluding ODDEP/DEPLN/Mortgage Loans :
New / Additional Limits 0.70% of Sanctioned limit(0.20% of applied amount(maximum Rs.25,000) to be paid upfront which will be non refundable
Renewal of Existing Limits 0.35% of Sanctioned Limits
Mortgage Loans :
Mortgage Term Loan  
New / Additional Mortgage Overdraft 1.00% of Sanctioned limit(0.20% of applied amount(maximum Rs.25,000) to be paid upfront which will be non refundable
Renewal of existing Mortgage Overdraft 0.70% of Sanctioned Limits
Business Loan Processing Charges
Product Name Product Code Processing charges
Cash Credit Clean (New) CC 0.70 % p.a
Cash Credit Clean (Renewal) CC 0.35 % p.a
Cash Credit Hyp. (New) CCHYP 0.70 % p.a
Cash Credit Hyp. (Renewal) CCHYP 0.35 % p.a
Mortgage Overdraft (New) MORTG-OD 1 % p.a
Mortgage Overdraft (renewal) MORTG-OD 0.70 % p.a
Loan against land & Bldg LNBLD 0.70 % p.a
Loan against Plant & Machinery PLMLN 0.70 % p.a
Demand Loan DEMAND 0.70 % p.a
Term Loan against Book debts BDBLN 0.70 % p.a
Working capital against specific order WCDL 0.70 % p.a
Mortgage Term Loan MORTG-TL 1 % p.a
Adhoc Cash Credit HYP (1st time) ADHOC CCHYP 1 % p.a
Adhoc Cash Credit HYP (after 1st time) ADHOC CCHYP 2 % p.a
Adhoc Mortgage Overdraft (1st time) ADHOC MORTG-OD 1 % p.a
Adhoc Mortgage Overdraft (after 1st time) ADHOC MORTG-OD 2 % p.a
Bill Discounting IBP 0.70 % p.a
Bank Guarantee BG 0.70 % p.a
Letter of Credit LC 0.70 % p.a
RETAIL LOAN PROCESSING CHARGES
Product Name Product Code Processing charges
Personal Loan NJADHAR @ 0.70 % p.a
Vehicle Loan ( For Second Hand use ) VEHLN @ 0.70 % p.a
Gold Loan GLDLN @ 0.70% ( For General Accounts )
( subject to min. Rs. 250/- )
0.50% ( For Weaker Section )
Housing Loan NJNIWAS @ 0.30% to @ 0.50%
( as per QRPM eligibility )
Vehicle Loan (For Commercial use) VEHLN @ 0.50%
Vehicle Loan ( For Two-Wheeler ) NTOWHEEL @ 0.25%
Loan against Govt. Securities GOVLN @ 0.25%
( subject to min. Rs. 250/- and Max Rs. 5000/-)
Loans to Professionals JANPRO @ 0.25%
Mortgage Term Loan RCMTL 1.00 % p.a
NJNIWAS - B NJNIVSB Rs. 1000/-
Education Loan JANVIDYA Nil
Vehicle Loan ( For Personal use ) NSPCARLN Nil
Bank Guarantee Commission
  • 3.00% p.a.
  • 2.00% p.a. in case of 100% Cash Margin
  • Plus Rs.250.00 Service Charges.
Letter of Credit Inland

2.50% p.a. plus Rs.250.00 Service Charges.
Issuance of Solvency Certificate
(Amount in Rs.)		 > Rs.250.00 per lac
> Minimum Rs.750.00
> Maximum-Rs.25,000
> If the solvency certificate is to be issued for educational purpose, the charges will be 50% of above.
Drawing against Unclear Effects
  • Saving & Current:
    18% p.a. interest on cheque amount.
  • CCHYP/CC/OD/ODDEP:
    3.25% over the regular interest rate.
Bill Discounting under L/C

Rs.1250.00 handling charges per bill

Bill Discounting not under L/C
(Amount in Rs.)		 Commission:
0.75% per thousand-minimum-Rs.500  
Request for change of sanctioned terms Rs. 2500/- per request to be paid upfront.
For Cash Withdrawal
 
Saving
 
For Home Branch -NIL
For ABB Branch -
Upto Rs.25000/- NIL
Rs.25001 to Rs.2,00,000/- Rs.100.00 plus Rs.1.00 per thousand or part thereof
Current/CC/OD/ODDEP For Home Branch - NIL For ABB Branch Transaction
Upto Rs.25,000/- NIL
Rs.25,001/- to 2,00,000/- Rs.125.00 plus Rs.1/- per thousand or part thereof
For Cash Receipts
 
Saving
For Home Branch
Upto Rs.1,00,000/- NIL
Above Rs.1,00,000/- Rs.50.00 plus Rs.1/- per thousand or part thereof
For ABB Branch
Upto Rs.50,000/- NIL
Above Rs.50,000/- Rs.100.00 plus Rs.1.00 per thousand or part thereof
Current/CC/OD/ODDEP
For Home Branch
Upto Rs.1,00,000/ NIL
Above Rs.1,00,000/- Rs.75.00 plus Rs.1.00 per thousand or part thereof
For ABB Branch
Upto Rs.1,00,000/- Rs.100.00 plus Rs.1.00 per thousand or part thereof
Above Rs.1,00,000/- Rs.125.00 plus Rs.1.00 per thousand or part thereof
 
(*) All above charges are exclusive of service tax
Particulars Charges
Issue of Duplicate Fixed/KTY receipts in case of loss of original receipts Rs.100.00 per receipt (Necessary formalities required to be completed before issue of the receipt/s)
Issue of Duplicate Balance Confirmation Certificate & Interest Certificate - both Deposit & Advance Rs. 50.00 Per Certificate
Duplicate ATM & PIN Mailer Rs.100.00 Per Occasion
Duplicate Pass Book (Saving/RD) Rs.50.00 in passbook format for records upto 18 Months. Rs.50.00 plus Rs.15.00 per page in statement format only (A4) for records prior to 18 Months.
Duplicate Statement Rs.75.00 per page
Below mentioned Service Charges (exclusive of Service Tax ) are w.e.f.01.05.2018
Type of Locker
Annual Rent on SDV Lockers Excluding GST
A
800.00
B
1000.00
C
2000.00
D
2,200.00
E
2,800.00
F
3,000.00
G
3,000.00
H
4,200.00
H1
2,800.00
L
7,500.00
D-1
2,800.00
Safe Deposit Lockers - Other related charges
Service Charges A service charge of Rs. 100/- per SDL shall be levied for operations exceeding 10 per calendar month
Interest Interest shall be charged @ 18% p.a.at monthly rests, on the overdue locker rent from the due date till actual payment thereof.
Charges for replacement of Key An amount of Rs. 300/- plus actual expenses for break open of locker to be charged, per occasion.
Type Of Charges
Charges
Outstation Cheque Collection Charges
Amount in Rs.
Up to Rs. 10,000 Rs. 50.00
Rs. 10,001 to Rs. 1,00,000/- Rs. 100.00
Above Rs. 1,00,000/- 1.50 per thousand
Plus Other Bank charges if any  
 
Bills Collection Charges
Amount in Rs.
Upto Rs. 5,000.00 Rs. 50.00
From Rs. 5,001.00 to Rs. 10,000.00 Rs. 75.00
Above Rs. 10,001.00 6.00 per thousand Minimum 75.00
Plus Other Bank charges if any  
Bills and Outstation
Cheque return Charges		 50% of the applicable collection charges plus Postage and other Bank charges if any.
 
(*) All above charges are exclusive of service tax
Particulars Charges
Pay Order Issue Charges
(Non Cash) 		Rs.1.00 per thousand
Minimum Rs.15.00 Maximum Rs.1500.00
Pay Order Issue Charges (Cash)

Rs.2.00 per thousand Minimum Rs.30.00

Maximum amount of Pay order in cash will be issued as per extent guidelines of Income Tax.
Issue of Duplicate Pay Order

Rs.100.00 Per Pay order
Revalidation of Pay Order Rs.100.00 Per Pay order
Cancellation of Pay Order Rs.100.00 Per Pay order
 
(*) All above charges are exclusive of service tax
Type Of Charges Particulars Charges
Minimum Balance
to be maintained		 Saving Bank Account without Cheque Book 500.00
Saving Bank Account with Cheque Book 1000.00
Current Account 3000.00
Zero Balance Current Account 0.00
Type Of Charges
Particulars
Charges
Minimum Balance
Charges		 Saving Bank Account without Cheque Book NIL
Saving Bank Account with Cheque Book NIL
Current Account Minimum 150.00 thereafter 25.00 Per Instance
(*) Zero Balance Current Account 1750.00 yearly upfront charges
(*)In case yearly upfront charges not paid within three months, Account shall be closed after giving notice to customer.
Standing Instruction Charges

Rs.25.00 Per Instruction

Rs.50.00 Specific Instruction for transferring funds to another account for honoring Inward Cheque and ECS.

(No charges for transferring funds to Recurring deposits/Term Deposits/Loan accounts towards the recovery of the Installments)
Inward Clearing-ECS Passed in Second Upload Saving Account Rs.2.00 per thousand Min. Rs.100.00
Current Account Rs.4.00 per thousand Min. Rs.200.00
Charges for Closure of Account Saving & Special Saving:
Within 1 year Rs.150.00 plus Rs.3.00 per leaf for unutilized cheque leaves.
Above 1 year Rs.2.00 per leaf for unutilized cheque leaves.
Current & Special Current:
Within 1 year Rs.250.00 plus Rs.5.00 per leaf for unutilized cheque leaves.
Above 1 year Rs.5.00 per leaf for unutilized cheque book.
Charges for Signature & Photo attestation Rs.75.00 Per Instance
Fate Enquiry Rs.50.00 Per Instance
Addition / Deletion Name, Name of the Authorized signatory and Nomination change Individual Rs.25.00
Institution NIL
Others Rs.50.00
(*) Note: No charges in case of death of customer.
Copy of Old Record Rs. 75.00 per transaction for 3 to 12 months old records.
Rs.150.00 Per transaction for above 12 months old records
Ledger Folio Charges for CC/CCHYP/OD/ODDEP/CA
To be recovered on quarterly basis 		Rs.2.00 Per Entry Minimum Rs.50.00
Tax Challan Charges Rs.100.00 per Challan
Saving Account Withdrawals Savings:
Rs. 15.00 per withdrawal (only for cash withdrawals excluding ATM transactions) to be charged above 75 transactions per financial year.
Any Other Certificate not covered in this schedule of charges Rs.75.00 Per Instance
Default and or delay in depositing recurring deposit installment Rs.1.50 for every Rs.100.00 per month for deposit of five years or less
Rs.2.00 for every Rs.100.00 per month for deposit over five years .
 
(*) All above charges are exclusive of service tax
Customer Type Quarterly rate Yearly rate
Other than individual 25 100
Individual 5 20
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