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Service Charges
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NOTICE
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Rates At a Quick Glance
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For the Kind Attention of ATM cum Debit Card Customers
As per RBI guidelines, the following stipulations are applicable to ATM transactions in India w.e.f. 15th October 2009 :
a. For the customers of other banks, maximum cash withdrawal would be Rs. 10,000/- per transaction.
b. Cash withdrawals from ATMs of banks other than your bank more than five times in a month, may attract levy of service charges. (Maximum Rs.20/= per transaction above the free limits).
c. The facility of free cash withdrawal on other bank ATMs is extended only to the Savings Bank Account holders.
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3 Tier Service Charges For Basic Banking Services
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3 Tier Service Charges For Basic Banking Services (For amounts not exceeding Rs.10,000/=)
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Special Individuals mean individuals having account in Rural Branches, Senior Citizens & Pensioners. Categorization of senior citizens and pensioners will be done based on documentary evidences. (Service tax extra.)
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Sl No.
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Basic Banking Services
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Non-Individuals
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Individuals
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Special Individuals
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1.
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Demand Draft Purchase
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Upto Rs.10,000/-, Rs.25/-
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75% of Service Charges applicable to Non Individuals
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75% of Service Charges applicable to Non Individuals
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75% of Service Charges applicable to Non Individuals
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75% of Service Charges applicable to Non Individuals
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65% of Service Charges applicable to Non Individuals
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65% of Service Charges applicable to Non Individuals
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65% of Service Charges applicable to Non Individuals
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65% of Service Charges applicable to Non Individuals
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2.
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Demand Draft Cancellation
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Rs.50/-
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3.
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Demand Draft Duplicate
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Rs.50/-
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4.
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Demand Draft Revalidation
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Rs.50-
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5.
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ATM Card AMC
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Rs.50/-
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6.
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Out station Cheque Collection Charges (through our branches)
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upto Rs.1000/-
Rs.1000/- to Rs.5000/-
Rs.5000/- to Rs.10000/-
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Rs.15/-
Rs.25/-
Rs.35/-
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7.
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Return of Out station cheques lodged for collection – By other banks
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Half the collection charges given above + Postage & other bank charges. Minimum Rs.100/-
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8.
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Return of Out station cheques lodged for collection – By our branches
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Half the collection charges given above + Postage. Minimum Rs.100/-
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9.
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Return of local cheques lodged for collection
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Rs.50/-
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10.
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Charges for return of cheques (issued by customers) received in clearing
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SB A/cs Rs.200/-
CD A/cs Rs.300/-
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11.
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Cheque Book Charges
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Rs. 2 per leaf
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12.
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Duplicate Passbook / Pass Sheet
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Rs. 50/-
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13.
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Stop Payment instructions
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Rs.100/-
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14.
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Account closing charges After 6 months from date of opening
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Rs.25/- for SBaccounts Rs.50/- for CD accounts
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15.
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Account closing charges before 6 months from date of opening.
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Rs.75/- for SBaccounts Rs.150/- for CD accounts
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16.
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Issuance of No dues certificate
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Rs.100/-
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17.
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Issuance of Balance certificate
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Rs.100/-
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18.
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Verification of signature
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Rs.100/-
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19.
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Fund transfer through NEFT
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Rs.5/- per transaction (Upto 1 lakh)
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20.
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Balance Enquiry
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Free
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Free
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Free
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21.
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Collection of local cheques
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Free
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Free
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Free
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22.
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ECS Clearing
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Free
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Free
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Free
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Other savings bank account facilities
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Other savings bank account facilities
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| Issue of Duplicate Statement |
Rs.50/- per page |
| Issue of loose cheque leaves |
Rs.2/- per leaf |
| Issue of duplicate pass book |
Rs.50/- per page |
| Mode of calculation of minimum balance |
quaterly average |
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Current Accounts
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Current Accounts
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| Minimum Balance |
Rs.5000/- |
| Charges for non maintenance thereof |
Rs.175/- per month |
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Remittance Facilities through own bank
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Remittance Facilities through own bank
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| DD- Issue |
Upto Rs.10,000/-, Rs.25
Above Rs.10,000/-, Rs.2.50 per 1000/- Max. Rs.10,000/-
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| DD-Cancellation |
Rs.50/- |
| DD-Revalidation |
Rs.50/- per DD |
| PO - Issue |
Rs.2/- per 1000/- (Min. Rs.25/-) |
| PO-cancellation |
Rs.50/- |
| PO-Duplicate |
Rs.50/- |
| PO-Revalidation |
Rs.50/- |
| TT - Issue |
Rs.2/- per 1000/- + Telephone charge (Min. Rs.100/-) |
| TT - Cancellation |
Not fixed |
| TT-Duplicate |
Not fixed |
| TT-Revalidation |
Not fixed |
| NEFT - inward |
Nil |
| NEFT - Outward |
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Upto 1 lakh
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Rs.5/- per transaction |
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1 lakhs & Above
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Rs.25/- per transaction |
| RTGS - Inward |
Nil |
| RTGS - Outward |
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Upto 5 lakhs
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Rs.25.- per transaction |
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5 lakhs & Above
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Rs.50/- per transaction |
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Foreign Exchange Transactions
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Foreign Exchange Transactions
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Remittance Outward
TT outward charges
a)Repatriation for upto usd5000(equivalent)
b)Repatriation above usd5000 upto usd25000(equivalent)
c)Repatriation above usd25000
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Rs1500+Swift charges+ser tax
Rs2000 +Swift charges+ser tax
Rs2500/-+ Swift charges+ser tax
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Foreign Currency Inward Remittance
TT inward charges
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Rs.100/- including service tax
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| TCs - Selling Base rate |
+ 1.25% |
| TCs - Encashing Base rate |
+ 1.25% |
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Cheque Collection
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Cheque Collection
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| Local |
Free of charges |
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Outstation through own bank
Amount upto Rs. 1,000/-
Rs. 1,000/- and above upto Rs. 5,000/-
Rs. 5,000/- and above upto Rs.10,000/-
Rs. 10,000/- and above upto Rs.1,00,000/-
Rs. 1,00,001/- and above
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Rs. 15.00(per instrument)
Rs.25.00 (per instrument)
Rs.35.00 (per instrument)
Rs.100.00 (per instrument)
Rs.150.00(per instrument)
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For Instruments received from other Banks
Amount upto Rs. 10,000/-
Rs. 10,000/- and above Rs.1,00,000/-
Rs.1,00,001/- and above
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Rs.25/-
Rs.50/-
Rs.75/-
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Outstation through another bank
Amount upto Rs. 1,000/-
Rs. 1,000/- and above upto Rs. 5,000/-
Rs. 5,000/- and above upto Rs. 10,000/-
Rs. 10,000/- and above Rs.1,00,000/-
Rs.1,00,001/- and above
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Rs.15.00 (per instument)+other Bank’s charges
Rs.25.00 (per instument)+other Bank’s charges
Rs.25.00 (per instument)+other Bank’s charges
Rs.50.00 (per instument)+other Bank’s charges
Rs.75.00(per instument)+other Bank’s charges
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| Bouncing of cheques- Local (lodged for collection) |
Rs.50/- |
| Bouncing of cheques- outstation- through own bank |
50% of the collection charges + Full Postage(Min. Rs.100/-) |
| Bouncing of cheques- outstation- through another bank |
50% of collection charges Full Postage(Min. Rs.100/-) |
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Retail Loan
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Retail Loan
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| Loan Processing Charges |
0.25% to 1% |
| Prepayment Charges |
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| If closed from own sources after 2 years |
Nil |
| If closed from own sources before 2 years |
1% of the prepaid amount. |
| If closed through take over by other banks |
2% of the pre-paid amount |
| No due Certificate |
NIL |
| Solvency Certificate |
Rs.100/- per lac. Min - Rs. 100/- |
| Charges for late payment of EMI Penal |
Additional Interest at 2% |
| Charges for changing from fixed to floating rates of interest |
Option once exercised cannot be changed |
| Charges for changing from float to fixed rates of interest |
Option once exercised cannot be changed |
| Charges for furnishing copy of CIBIL / any other credit information company report, to the borrowers at their request |
Rs.50/- |
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For More Details Click Here
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Debit Cards
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Debit Cards
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| Membership fee |
NIL |
| Annual Fee |
Rs.50 plus service tax after 1 year |
| Renewal Charges |
NIL |
| Late Payment Charges |
NIL |
| Replacement charges |
Rs.100/- |
| Cash withdrawal charges through own ATMs (Max. Rs.20000/- per day) |
NIL |
| Point Of Sale (POS) transactions, below Rs.500/- |
Rs.10/-
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| Point Of Sale (POS) transactions, above Rs.500/- (Max. Rs.1,00,000/- per day) |
NIL |
| Master Card transactions for purchase of Petrol |
2% advalorem of petrol cess |
| Balance Enquiry at any ATM both domestic and International |
Free |
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For other Bank ATM Transactions (through Infinet/ MasterCard Network)
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| Cash Withdrawal through ATMs in India (max. Rs.20000/- per day) |
- Maximum Withdrawal per transaction, Rs.10000/-
- 5 transactions free per month available only for SB A/C holders.
- Rs.20/- per transaction above the free limits
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| Cash Withdrawal through ATMs outside India (respective currency equivalent upto a maximum of Rs.20000/- per day) |
Rs.100/- per transaction |
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Electronic Clearing System (ECS)
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Charges for Electronic Clearing System(ECS) w.e.f January 1 2008
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| Minimum balance |
Rs.10,000/- has to be maintained in all Destination Accounts. |
| ECS Debit Clearing-Return Charges |
Rs.100/- |
| ECS registration will automatically get closed in the event of three consecutive cheque returns in the account for want of sufficient funds. |
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Standing Instructions
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Standing Instructions
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| Setting Up Charge |
Rs.100/- |
| Amendment Charge |
Rs.100/- |
| Execution Charge |
Rs.10/-, Free for RD |
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MISCELLANEOUS
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MISCELLANEOUS
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| Balance enquiry |
NIL |
| Balance Certificate |
Rs.100/- |
| Interest Certificate |
Rs.100/- First time free |
| Account closure |
Before 6 Months |
After 6 Months |
| SB |
75 |
25 |
| CD |
150 |
50 |
| Use of Fax/Telephone/Modem |
Actuals with minimum Rs.5/- for local calls
Actuals with minimum Rs.25/- for STD calls
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| Photo attestation |
Rs.100/- |
| Signature attestation |
Rs.100/- |
| Stop Payment Charges |
Rs.100/- per cheque and batch of above 3, Rs.300/- |
| Inoperative account |
NIL |
| Internet Banking |
Rs.5/- per Rs.1,00,000/- for fund transfer from one branch to other(within South Indian Bank) .
Rs.100 for resetting password.
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Mobile Service(SMS)
Annual Fee |
Rs.75/- plus Service Tax after 6 months for Domestic customers.
Rs.150/- plus Service Tax after 6 months for NRE customers w.e.f Dec:2007
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| Change in Mobile Number |
Rs. 50/- |
| Issue of Confidential Report |
Rs. 1000/- per report |
| ECS Mandate Verification |
Rs.100/- |
| Allowing operation in account through Power of Attorney / Mandate holder – Registration / Modification |
SB a/cs Rs.100/-
CD a/cs Rs.250/-
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| Cash handling charges |
30 packets free per day. For each additional packet Rs.10/- |
| Ledger folio charges |
Rs.20/- per folio of 40 entries.( For SB, four free folios annually) |
| Postal charges |
Ordinary/Courier - Actuals with a minimum of Rs.10/-
Registered post - Actuals with a minimum of Rs.25/-
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The service charges mentioned above are subject to change without notice and subject to terms and conditions as laid down by the bank from time to time
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