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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. |
Basic Banking Services |
Non-Individuals |
Individuals |
Special Individuals |
| 1. |
Demand Draft Purchase |
Rs.2/1000 + Rs.2 for MICR DDs-(Min.Rs.25/=) |
75% of Service Charges applicable to Non Individuals
75% of Service Charges applicable to Non Individuals |
65% of Service Charges applicable to Non Individuals
65% of Service Charges applicable to Non Individuals |
| 2. |
Demand Draft Cancellation |
Rs.50/= |
| 3. |
Demand Draft Duplicate |
Rs.50/= |
| 4. |
Demand Draft Revalidation |
Rs.50/= |
| 5. |
ATM Card AMC |
Rs.50/= |
| 6. |
Out station Cheque Collection Charges |
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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. |
Return of Out station cheques lodged for collection – By other banks |
Half the collection charges given above + Postage & other bank charges. Minimum Rs.100/= |
| 8. |
Return of Out station cheques lodged for collection – By our branches |
Half the collection charges given above + Postage. Minimum Rs.100/= |
| 9. |
Return of local cheques lodged for collection |
Rs.50/= |
| 10. |
Charges for return of cheques (issued by customers) received in clearing |
Rs. 2/- per thousand, with a minimum of Rs. 100/- in SB A/cs and
Rs. 200/- in CD A/cs |
| 11. |
Cheque Book Charges |
Rs. 3 per leaf |
| 12. |
Duplicate Passbook / Pass Sheet |
Rs. 50/= |
| 13. |
Stop Payment instructions |
Rs.100/= |
| 14. |
Account closing charges After 6 months from date of opening |
Rs.20/= for accounts with cheque book facility & Rs.10/= for accounts with out cheque facility |
| 15. |
Account closing charges before 6 months from date of opening. |
Rs.50/= for accounts with cheque book facility & Rs.25/= for accounts with out cheque facility |
| 16. |
Issuance of No dues certificate |
Rs.50/= |
| 17. |
Issuance of Balance certificate |
Rs.50/= |
| 18. |
Verification of signature |
Rs.100/= |
| 19. |
Fund transfer through NEFT |
Rs.5/- per transaction (Upto 1 lakh)
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| 20. |
Balance Enquiry |
Free |
Free |
Free |
| 21. |
Collection of local cheques |
Free |
Free |
Free |
| 22. |
ECS Clearing |
Free |
Free |
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.3/- 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.1000/- per Quarter |
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Remittance Facilities through own bank
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Remittance Facilities through own bank
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| DD- Issue |
Rs.2/- for 1000/- (Min. Rs.25/-) |
| 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. 1,00,000/- 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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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.1,00,000/- 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.35.00 (per instument)+other Bank’s charges
Rs.100.00 (per instument) +other Bank’s charges
Rs.150.00(per instument)+other Bank’s charges
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| Bouncing of cheques- Local |
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 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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MISCELLANEOUS
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MISCELLANEOUS
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| Balance enquiry |
NIL |
| Balance Certificate |
Rs.50/- |
| Interest Certificate |
Rs.100/- |
| Account closure |
Before 6 Months |
After 6 Months |
| SB |
50 |
20 |
| CD |
100 |
50 |
| Use of Fax/Telephone/Modem |
Actual Charges |
| Photo attestation |
Rs.100/- |
| Signature attestation |
Rs.100/- |
| Stop Payment Charges |
Rs.100/- per cheque |
| Inoperative account |
NIL |
| Internet Banking |
Rs.1/- per Rs.1000/- for fund transfer from one branch to other(within South Indian Bank) with a minimum of Rs.10/-.
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 |
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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