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सेवा प्रभार

टिप्‍पणी : सभी सेवाप्रभार जीएसटी रहित है. दिनांक 20.06.2019 से प्रभावी रुप में इन सेवा प्रभारों पर जीएसटी दर 18.00% (वर्तमान में) अतिरिक्त लगाया जाएगा

जमाराशियां एवं संबद्ध सेवाएं
Sr. No. Area of Banking Service Revised Service charges ( Excluding  GST) w.e.f. 01.07.2020
1 Ledger Folio Charges Applicable to CA ( including RRBs), & CC, OD (excluding loan against banks own deposits &   Fast Access) Our charges is Rs 125/- per 25 entries (one folio) Current Accounts:-
Av. Cr. Bal (Rs)                  Folios (per quarter)*
Up to Rs 25000 All folios are chargeable
Above Rs 25000/- to Rs 1 lac Chargeable after 2 folios
Above Rs 1 to Rs 2 lac Chargeable after 5 folios
Above Rs 2 to Rs 5 lac Chargeable after 10 folios
Above Rs 5 lac Folio Charges not applicable
Note:
For A/cs maintained on computers, 25 entries or part thereof to be treated as one ledger page.
Ledger folio charges to be recovered on quarterly basis.
Excluding Transactions done through ADC in CA/CC/OD
       
Transaction Charges Metro- Urban Savings Bank Accounts – ( excluding BSBD and FI accounts**)
  • Upto 50 debit entries Charges – Not applicable
  • Exceeding 50 debit entries : Rs 15/- per debit
Following transactions are excluded.
  • Standing Instructions
  • Transactions through ADC incl. ECS
  • Auto sweep, system generated (service charge, interest etc.)
Transaction charges to be recovered on half yearly basis at the time of half-yearly closing
** For BSBD and FI accounts there is no service charges
Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch Savings Bank Accounts – ( excluding BSBD and FI accounts**)
  • Upto 50 debit entries Charges – Not applicable
  • Exceeding 50 debit entries : Rs 12/- per debit
Following transactions are excluded.
  • Standing Instructions
  • Transactions through ADC incl. ECS
  • Auto sweep, system generated (service charge, interest etc.)
Transaction charges to be recovered on half yearly basis at the time of half-yearly closing
2

a) Charges for issue   of Duplicate Statement / Pass Book

Individual: ( SB, Time deposits) Metro- Urban   Rs100/- per Duplicate Passbook/statement with latest Balance only. Charges applicable after first passbook.
Charges for previous entries (if required) Rs 75/- per ledger page or part thereof
Individual: ( SB, Time deposits) Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch   Rs 75/- per Duplicate Passbook/statement with latest Balance only. Charges applicable after first passbook.
Charges for previous entries (if required) Rs60/- per ledger page or part thereof
Non- Individual: ( CA/CC/OD) Rs 150/- per Duplicate statement with latest balance only (charges applicable after first statement).
Charges for previous entries (if required) Rs 150/- per ledger page or part thereof. Note:
For accounts maintained on computers, 25 entries or part thereof be treated as one ledger page.
                                                  
b) Issue of letter of
acknowledgement/ duplicate TDR in case of loss of TDR
Non Individual ( CA,CC, OD) For Letter of  Acknowledgement & Duplicate TDR  -  Rs 175/- (in Both cases) Individual (SB, other deposits)
Metro- Urban
For Letter of  Acknowledgement & Duplicate TDR  -  Rs 150/- (in Both cases)
Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch
Individual (SB, other deposits) For Letter of  Acknowledgement & Duplicate TDR  -  Rs 125/- (in Both cases)
3 Cheque Book
Issuance Charges
Savings bank account: Metro-Urban After -30- leaves in a financial year charges @ Rs 4 per cheque leaf. Savings bank account: Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch
Savings Bank customer of Rural branches, Senior citizen and  pensioners
Rs.2.50 per cheque leaf
Only two cheque books will be issued at a time
Current/CC/OD After issuance of 1st cheque book, charges for subsequent cheque book @ Rs 5.00/- per leaf. Note: 1st Cheque book means cheque book of 50 leaves. Wherever cheque books are printed by the customer after obtaining permission of Stationary and Security Form Department, Head Office, Baroda, the cost of paper should be recovered from the customer at the rate of Rs 1000/- per 1000 leaves (over and above charges to be paid by customer directly to the printer for printing.)
4 Opening & Maintenance of Minimum Balances Current Accounts. (CA 101)
Individual / Non Individual
Rural / Semi-Urban Rs 2000/-
Urban Rs 5,000/-*
Metro Rs 10,000/- *
*  Quarterly Average Balance
Savings Bank Accounts. (SB 101)
Rural Rs 500*
Semi-Urban Rs 1000*
Urban / Metro Rs 2000/-*
* Quarterly Average Balance  
Baroda Basic Savings Bank account
Zero balance
Baroda Pensioners Savings Bank account SB 114
Zero Balance Note: No Minimum Balance charges in SB A/cs to be recovered from employees’ institutional salary A/cs i.e. not only institutions maintaining account with the branch but also of employees whose salary  is paid through SB a/cs maintained with the branch. Branches can open zero balance A/cs of such institutional employees whose salary is paid through us. Hence salary accounts to be opened / transferred to scheme code SB 113,115. If salary/pension is discontinued in these accounts, account will be transferred to SB 101 and charges will be applicable accordingly.
5 Charges for not   maintaining minimum balance Current Account
Metro

Quarterly Average Balance (QAB) of  Rs 10000/- is not maintained
Rs 800/-  per quarter
Urban:

Quarterly Average Balance (QAB) of  Rs 5000/- is not maintained
Rs 600/-  per quarter
Rural/Semi Urban

Quarterly Average Balance (QAB) of  Rs 2000/- is not maintained
Rs 400/- per quarter
 
  SB  Accounts
Urban / Metro Rs 250 per
quarter
  Metro/Urban
If QAB is in the range

Rs1500-  Rs2000
25%
Rs 1000 - Rs 1499 50%
Rs 500 - Rs 999 75%
Below Rs 500 100%
 
SB  Accounts-
Rural  /  Semi-Urban- branches,Senior citizen /pensioners at any branch Rs 125/- per quarter     
  Rural
If QAB is in the range

Rs375-   Rs500
25%
Rs 250 - Rs 374   50%
Rs 125 - Rs 249    75%
Below Rs 125 100%
Semi-Urban
If QAB is in the range

Rs750-  Rs1000
25%
Rs 500- Rs 749   50%
Rs 250- Rs 499   75%
Below Rs 250 100%
Charges will not be applicable in following types of accounts Savings Bank - No frills A/c
Baroda Basic Savings Bank account-
Baroda Pensioner’s Savings Bank account-SB-114
Baroda Salary Advantage Account
For maintaining Balance Quarter is defined as under: 16th March to 15th June
16th June to 15th September
16th September to 15th December
16th December to 15th March
6 Addition / Deletion of names in Joint Accounts/Change in operational instructions (including Lockers) Savings and other deposit accounts
Metro/Urban
Rs 200/- per occasion Not applicable for deletion of name on account of death of customer in joint A/c.
Savings and other deposit accounts
Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch
Rs 175/- per occasion Not applicable for deletion of name on account of death of customer in joint A/c.
7 Nomination Not applicable for First time nomination Modification / Change in nomination – Rs 100/- per occasion
8 Charges for Standing instructions Within the Bank -  Not chargeable Rs 50/- per transaction  plus applicable remittance charges in case of credits for outside the branch whether in same city or other cities  i. e in other branches / Offices such as LIC etc. plus actual postage charges
9 Charges for inability to carry out standing instructions due to insufficient balance in the account Rs 100/- per occasion.
10 Charges for Stop Payment instructions
(Per Instrument)
Metro-Urban
Savings Bank Rs100/- per instrument
Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch
Savings Bank Rs75/- per instrument
 
CA/CC/OD  
All branches
Rs  200/- per instrument

In case of loss of complete blank cheque book

CA/CC/OD- All branches
In case of  loss of complete blank cheque book
Max. ceiling as  below:
C.A./C.C./OD      Rs  1000
Metro-Urban
 SB  
Savings Bank Rs   500/-
Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch
 

Savings Bank
Rs 400/-
11 Charges for Cheque returned unpaid –(Inward) Clearing / Transfer

 

 

 

 

 

 

 

 

 

  Charges for Cheque returned unpaid –(Outward) Clearing / Transfer

  CA/CC/OD- All branches
Upto 1 lac Rs 150/-
Above   Rs 1 lac to less than  Rs 1 crore Rs  250/-
For  Rs 1 crore and above     Rs   500/-
Cheque return due to technical reason – not at the fault of customer-in all cases No charges
 Metro-Urban (SB)

Upto 1 lac
Rs 125/-
Above   Rs 1 lac to less than  Rs 1 crore Rs  250/-
For  Rs 1 crore and above     Rs   500/-
Cheque return due to technical reason – not at the fault of customer-in all cases No charges
Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch- Savings Bank
Upto 1 lac Rs 100/-
Above   Rs 1 lac to less than  Rs 1 crore Rs  225/-
For  Rs 1 crore and above     Rs   450/-
Cheque return due to technical reason – not at the fault of customer-in all cases No charges
 CA/CC/OD- All branches (Financial Reason)
Upto Rs 1 lac Rs  250/- 
Above  Rs 1 lac to less than Rs 1 crore Rs  500/-
For Rs 1 crore and above Rs  750/- 
In case Bank remains out of funds :; actual interest @ MCLR ( One year)+SP+6.25%) is to be charged extra (to be levied Manually) For other reasons –   Rs 250/- For technical reasons- not at the fault of customer- No charges
 Metro-Urban (SB) (Financial Reason)
Upto Rs 1 lac Rs  225/- 
Above  Rs 1 lac to less than Rs 1 crore Rs  475/-
For Rs 1 crore and above Rs  725/- 
In case Bank remains out of funds :; actual interest @ MCLR ( One year)+SP+6.25%) is to be charged extra (to be levied Manually) For other reasons –   Rs 225/- For technical reasons- not at the fault of customer- No charges
Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch  (Financial Reason)
Savings Bank
Upto Rs 1 lac Rs  200/- 
Above  Rs 1 lac to less than Rs 1 crore Rs  450/-  
For Rs 1 crore and above Rs  700/-   
In case Bank remains out of funds :; actual interest @ MCLR ( One year)+SP+6.25%) is to be charged extra (to be levied Manually) For other reasons –   Rs 200/-
For technical reasons- not at the fault of customer- No charges
Charges for entries (Dr.) received through ECS and not responded:- As per cheque return charges
12 Incidental charges for inoperative accounts Inoperative Savings Bank a/cs.All branches
  1. Account maintaining stipulated minimum balance - Nil
No penal charges on inoperative Savings accounts where stipulated minimum balance is not maintained - as stipulated by RBI.
   
For inoperative Current Account –All branches Nil charges for inoperative current account Branch should endeavor for making inoperative A/Cs into operative by follow up.
13 Charges for issuance of Balance Certificate, at the request of customer. CA/CC/OD ( All branches) Rs 150/- per certificate  Metro-Urban (SB)   Rs 125/- per certificate  
Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch (SB) Rs 100/- per certificate
14 Charges for issuance of Interest Certificate, at the request of customer  CA/CC/OD  (All branches) For Second/Additional Certificate Rs  100 per copy  Metro-Urban (SB) For Second/Additional Certificate Rs  75 per copy Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch (SB)
For Second/Additional Certificate Rs 50 per copy
15 Closure of  A/cs -within a year Saving Account: Metro-Urban No charges
  1. if the account is closed within 14 days of first customer induced credit into the account.
  1. No charges, if account is closed due to death of Account Holder.
Rs 300- : if account is closed beyond 14 days but within 1 year of the first customer induced transaction. (Excluding Small Savings bank and Basic Savings Bank accounts).
Saving Account: Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch No charges
  1. if the account is closed within 14 days of first customer induced credit into the account.
  1. No charges, if account is closed due to death of Account Holder.
Rs 275/- : if account is closed beyond 14 days but within 1 year of the first customer induced transaction. (Excluding Small Savings bank and Basic Savings Bank accounts).
 
Current account –All branches
No charges
  1. if the account is closed within 14 days of first customer induced credit into the account.
  2. if account is closed  due to death of Account Holder.
  3. If account closed beyond 14 days but within 1 year of the first customer induced transaction :
Rs.800/- 
   
Non -Individual –RD/YSJY -All branches 150/-
Closure of Account due to death of Account Holder – No Charges
Individual - RD/YSJY
Metro-Urban
Rs.100 Closure of Account due to death of Account Holder – No Charges
Individual - RD/YSJY
Rural/Semi urban  branches , Senior Citizen and Pensioners at any branch
Rs.80/-
Closure of Account due to death of Account Holder – No Charges
     
16 Issue of Solvency Certificate
Commercial Rs 500 per lac
Min. Rs 1500/- Max.
Rs  25000/-
Current /CC/OD- All branches
NOTE:
For issuance of capacity certificate for obtaining VISA for educational purpose for students- only 50% of  the charges as mentioned above subject to maximum Rs  2500/-
Non commercial Rs 300
per lac
Min. Rs 1000/-
Max. Rs  15000/-
Savings Bank
Charges for issuance of Bankers Certificate on behalf of contractor clients for participating in the Government tender.   Rs  1000/- per certificate
17 Opening accounts with restrictive operations
Current, Cash Credit, Over Draft Account One time at the time of acceptance of instruction or at the time of modification Rs 500/-  

Savings Bank Account

Rs 100/-
   
18 Allowing operations in an a/c through a) Power of Attorney b) Mandate One time charges at the time of acceptance/modification of instructions.

 

Savings Bank Accounts Rs 500/-
Current, Cash Credit, Over Draft Account Rs 1000/-
19 Change of authorized signatory including reconstitution of A/c. Current, Cash Credit, Over Draft Account Rs 250/- per change    
20 Copy of original of cheque / DD (paid by the Bank) Rs 100 upto 6 months old  record
Rest -   Rs 250
No change
21 Penalty on late payment of installment on RD account Irrespective of tenure uniform rate of Rs 1.0 per Rs 100/- per month across the board. If instalment is paid in subsequent month there should not be any penalty
संग्रहण
Sr.No. Area of Banking Service Revised  service charges excluding GST w.e.f. 01.07.2020
1    Collection of outstation cheques (By sending cheques physically)
  1. Through our bank’s branches
Charges are mandated by RBI- At all branches
CHARGES MANDATED BY RBI w.e.f. 30.03.2012
Upto  Rs 5,000/- Rs 25/-
Above  Rs 5,000/- and upto  Rs 10000/-  Rs 50/-
Above  Rs 10,000/- to  Rs 1/- Lac   Rs 100/-
Above Rs 1 Lac to Rs 5 Lac  Rs 200/-
Above Rs 5 Lac to Rs 10 Lac  Rs 225/-
Above  Rs 10 Lac Rs 250/-
Above charges are exclusive of out of pocket expenses i.e. postages /courier extra. Note:
Discretion to Branch Manager to charge upto 50% on adhoc basis within the overall limit of our charges in deserving cases.
B) Direct through other banks i.e. instruments drawn at a centre where we have no branch. Above Charges are to be shared on 50:50 basis between collecting bank and paying bank and proceeds should be remitted through RTGS /NEFT to other bank.
2 Cheques collected through our branch for another bank For Immediate credit of outstation cheques -- Our usual collection charges should be recovered in full
Outstation Cheque return charges 50% of collection charges
Collection of other Banks deposits / receipts on maturity If proceeds are invested in FD then no charges. Else flat – Rs 50/-
3. Collection of Bills (Clean / Doc.-Demand & Usance)
  1. Applicable  to   IBCs
Bills for Amount :
Upto Rs 1/- lac  Rs 12- Per  Rs 1000/- or part thereof subject to Minimum  Rs  100/-
Above  Rs 1 lac upto   Rs 10/-  lacs           Rs 11/- per  Rs  1000/- or part thereof subject to Minimum Rs  1200/-
Above Rs 10/- lacs Rs 10/- per Rs 1000/- Min. Rs 10,000/- & Max. Rs12,000/-
Postage/Courier  is to be recovered on actual basis in higher multiple of  Rs 5/-
   b) Applicable  to   OBCs Bills for Amount
Upto Rs 100000/-  Rs 10/- per  Rs 1000/- or part thereof subject to  minimum  Rs 100/-
Above  Rs 1 lac upto   Rs 10/-  lacs           Rs 9/- per  Rs 1000/- or part thereof subject to a min. of  Rs 1000/-
Above Rs 10/- lacs Rs 8/- per Rs 1000/- Min. Rs 9,000/- & Max. Rs 15,000/-
Postage/courier  is to be recovered on actual basis in higher multiple of  Rs 5/-
4 Handling charges for bills returned unpaid.
Local
Outstation
Rs 100/- per instrument 50% of the collection charges subject to a min. Rs 200/- Note: Postage/courier is to be recovered on actual basis in higher multiple of Rs 5/-.
5 Charges for presentation of usance bills Rs 100/- per bill. (Also in cases of BP/BD – where there is a change in instructions
6 Change  of original instruction in respect of OBC/ IBC e.g.
  1. Delivering free of        payment
  2. waiving 'c' form etc
  3. Allowing rebate
  4. Extending time for  retirement
Rs 100/- per request
धन प्रेषण

सेवा प्रभार और शुल्‍क खंड के अंतर्गत उल्लिखित आरटीजीएस और एनईएफटी प्रभारों की जगह शाखा में प्रभार

Sr. No. Area of Banking Service Revised  service charges ( excluding GST) w.e.f. 01.07.2020
1. Issuance of  DD/BC Individual- Upto Rs 1 lac Semi-Urban/Rural, Sr.Citizen and Pensioner at any branch
Individual- Upto Rs 1 lac Metro-Urban
Upto Rs 5000/- Rs 40/-
Above Rs 5000/- to 25000/- Rs 60/-
25001 to  Rs 1 lac Rs 3/- per thousand or  part thereof
Minimum Rs 40/- maximum Rs 300/-
Above Rs 1 lac Rs 4/- per thousand or part thereof. Minimum Rs 400/- and Maximum Rs 15000/-
Upto Rs 5000/- Rs 30/-
Above Rs 5000/- to 25000/- Rs 50/-
25001 to  Rs 1 lac Rs 2.50/- per thousand or  part thereof Minimum Rs 30/- maximum Rs 250/-
 
Above Rs 1 lac Rs3.50/- per thousand or part thereof. Minimum Rs 350/- and Maximum Rs 15000/-
Non- Individual upto Rs 1 lac ( all branches)
Upto Rs 5000/- Rs 50/-
Above Rs 5000/- to Rs25000/- Rs 75/-
 Rs25001 to  Rs 1 lac Rs 4/- per thousand or  part thereof Minimum Rs 50/- maximum Rs 400/-
 
Above Rs1 lac Rs 5/- per thousand or part thereof.
Minimum Rs 500/- Maximum Rs 15000/-
2.Cancellation of DD/ Bankers' cheque and/   Issue of fresh DD/ Bankers' cheque in lieu of lost one.-Duplicate DD/BC
Individual
Up to Rs 500/- NIL
Above Rs 500/-    Rs  75/- per instrument
In case of lost instrument
Up to Rs 500/- Rs 20/-
Above Rs 500/-    Rs 175/- per instrument
Non Individual

Up to Rs 500/-
Rs.20/-
Above Rs 500/-    Rs  100/- per instrument
In case of lost instrument
Up to Rs 500/- Rs 30/-
Above Rs 500/-    Rs 200/- per instrument
3Against  tender of cash  for any mode of remittance50% plus  higher charges over floor rates4Remittance of fund through RTGS (Through Cheque) As per RBI circular RBI/2011-12/166-DPSS(CO)RTGS No. 388/04/04/.002/2011-12 dated 05.09.2011As per RBI guidelines   A) On all RTGS Transactions
      (INWARD)--- NIL B) Outward charges
Transaction Rs 2 Lacs to Rs 5 Lacs Above Rs 5 Lacs
  Rs24.50 Rs49.50
5Payment of Fixed deposit to other bank  Remittance charges as applicable plus out of pocket expenses
विविध सेवाएं
Sr. No. Area of Banking Service Revised  service charges ( excluding GST) w.e.f. 01.07.2020
1

Safe Custody Charges

Sealed Covers: Rs 350/- per cover per annum or part thereof. (4” x 12,- thickness x 1/2”)
More than the above size, charges as applicable for sealed boxes
Sealed boxes –  Rs 3000/- per box per annum (size 200 cubic inch)

Bank’s own Deposit Receipt : No charges

2

Service Charges for handling scrips

As per discretion of Regional Manager

3

Attestation of customer’s signature

Non Individual /Joint accounts
Rs.150/- per instrument/occasion
Individual, Senior Citizen, Pensioners at any branch  Rs.100/-

4

Inquiries relating to old records.

More than 3  months to 12 months old

Rs 100/- per item

More than 12  months to 3 years old

Rs 300/- per item

Above 3 years upto 7 years

Rs  500/- per item

Above 7 years

Rs 1000/- per item

5

Photo attestation

Rs  150/- per photo /occasion

6

Cash Handling Charges-FOR CASH DEPOSIT
(Applicable to base branch, Local Non-base branches)

Savings bank account- Metro-Urban
Cash Deposit – Chargeable  Beyond 5 transactions in a month (excluding Alternate Channel transaction) - Rs 50/- per transaction

Savings Bank accounts Rural /Semi Urban  branches , Pensioner and Senior Citizen(excluding BSBD/Financial Inclusion accounts**) At any branch

Cash Deposit – Chargeable  Beyond 5 transactions in a month (excluding Alternate Channel transaction) - Rs 40/- per transaction

(In case of cash aggregatingRs 50000/- or more deposited with the bank during any one day, customer is required to quote his/her PAN or submit form 60)

**For BSBD and FI accounts there are no service charges
For CA/OD/CC/Other Accounts:
(Base and local Non base branch)

Beyond Cash Deposit of Rs 50000/- Or above 10 packets i.e. 1000 pieces of notes of any denominations taken together,whichever is higher charges will be levied as under – Above 10 packets – i.e. 1000 pieces of notescharges will be levied @ Rs 10/- per packet or a part thereof. (Min. Rs 10/- , Maxi. Rs 10000/- .”
(per day per txn)

लॉकर सेवा प्रभार
Revised service Charges (Excluding GST)  w.e.f. 20.06.2019
Class of locker Metro/  Urban Semi- Urban/ Rural
A 1500 900
B 2000 1000
D 2800 1500
C 3000 1700
E/H-1 4000 2200
G 7000 5500
F 7000 5500
H 7000 5500
L1 10000 8000
L 10000 8000

NOTES :  

  1. In case of breaking open of the locker, Rs 1000/- to be recovered as incidental charges over and above actual cost incurred for the same.
  2. Penalty for late payment of locker rent (from the due date) be levied as under:

--   Where annual locker rental is up to Rs 3000/-
-  Rs 200/- for first -3- months thereafter Rs 50/- p.m.

--   Where annual locker rental is above Rs 3000/-
- Rs 500/- for first -3- months thereafter Rs 100/-   p.m.

When the rent is paid in advance for -3- years 10% discount may be allowed to General Public.  

However, 20% discount in locker rent in case of Premium current account and Premium current account privilege customers if rent is paid in advance for a period of three years and above.

CHARGES FOR LOCKER OPERATIONS MORE THAN 12 TIMES A YEAR – Rs  100/- PER OCCASION (FOR GENERAL PUBLIC)

Rent in advance can be accepted for maximum three years only
अंतर-सोल-प्रभार
Sr. No. Area of Banking Service Revised service charges ( excluding GST) W.e.f. 01.07.2020
1 CASH DEPOSIT

CASH DEPOSIT
Metro-Urban-Savings Account (excluding BSBD/ FI Accounts**) - Cash handling charge as applicable to base branch i.e. charges will be levied above – 5 – per transaction per month at any branch - Rs 50/- per transaction

Rural /Semi Urban branches, Senior citizen and Pensioner at any branch -Savings Account (excluding BSBD/ FI Accounts**) - Cash handling charge as applicable to base branch i.e. charges will be levied above – 5 – per transaction per month at any branch - Rs 40/- per transaction.

Cash deposit- Outstation branch: No change
CA/CC/OD/others : Chargeable in case of cash deposit in excess of Rs 25000/- per day per account  at Rs 2.50 per thousand or part thereof at outstation branch

2 CASH WITHDRAWAL

(Base branch, local non base branch  and outstation )

CA/CC/OD :- Beyond First five transactions  per month (excluding withdrawals from ATM) charges of Rs 150/- per transaction.

Savings bank- Urban –Metro  branch
Beyond First five transactions  per month (excluding withdrawals from ATM) charges of Rs 125/- per transaction.

 Savings Bank- Rural/Semi-Urban branches and  Senior citizen, pensioner at any branch

Beyond First five transactions  per month (excluding withdrawals from ATM) charges of Rs 100/- per transaction.

However, Maximum withdrawal allowed at outstation branch is Rs 50000/- per day to the account holder only.

Note:

.Inter SOL cash payments to third parties is totally withdrawn
2. Per day per transaction limit of Rs 50000 /- is fixed for cash withdrawal by drawer by self cheque (through withdrawal up to Rs 25000/- - SB Account without cheque book facility) at Non Base CBS branches irrespective of nature of accounts. Passbook should accompany with Withdrawals

सामान्‍य
Sr. No. Area of Banking Service Revised service Charges
(Excluding GST)  w.e.f. 20.06.2019
1 APPLICABLE TO ALL ABOVE SERVICES/ ACTIVITIES) Postal  & Telecommunication TARIFF  a)  Ordinary Post    – Actual, subject to Min. Rs 15/-
b)  Registered / Speed Post/courier – Actual, subject to Min. Rs 75/-
c)  Fax - Actual, subject to Min Rs 60/-.
Courier Charges Rs 75- per instrument per occasion, unless otherwise specified to the contrary.
2 Higher Service charges for non customers of the Bank. For all banking services to non-customers of the Bank, service charges shall be 50% higher than the floor rates, across the board plus Taxes
3 Definition of Floor rates Floor rates shall mean rates of service charges fixed by our bank as detailed in this circular.
फॉरेक्‍स संबंधित प्रभार

Sr. No.

Services

Revised  Charges w.e.f. 10.02.2020

1

Bill purchased/discounted/negotiated

  • Foreign Currency Export Bill

Bill amount below equivalent USD 25000.00 –
Rs. 1000.00
Bill amount equivalent to USD 25000.00 and above–
Rs. 1500.00
(Additionally Rs. 100.00 per shipping bill to be charged if the more than one shipping bill is submitted under a single export bill.)

  • Rupee Export Bill

Bill amount below equivalent USD 25000.00 –
Rs. 1000.00
Bill amount equivalent to USD 25000.00 and above–
Rs. 1500.00
(Additionally Rs. 100.00 per shipping bill to be charged if the more than one shipping bill is submitted under a single export bill.)

2

Forwarding export documents to another bank due to reason such as LC being restricted to the latter or the LC have been confirmed by that bank.

Rs. 1000.00 per bill
Additionally Rs. 100.00 per shipping bill to be charged if the more than one shipping bill is submitted under a single export bill.

3

Where reimbursement under a Letter of Credit is claimed by the bank with another Authorized Dealer in India

Rs. 500.00 per claim

4

For joining customer’s guarantees and giving guarantee on behalf of customers in respect of discrepant documents.

Proposed to be discontinued as not applicable

5

Commission in lieu of exchange
=> Transfer of letters of credit
=> Amendments

Serial no 5 Discontinued as
Already mentioned in Sr.No.23 i.e Rs. 1000/- per transfer and subsequent amendments

6

For each Export bill sent for Collection

--Bill amount up to equivalent USD 5000.00 –                  Rs 250.00
-Bill amount equivalent to USD 5001.00 to USD 25000– Rs 750.00
-Bill amount beyond equivalent USD 25000.00 –  0.0625 % subject to maximum of Rs. 2000/-

Additionally Rs. 100.00 per shipping bill to be charged if the more than one shipping bill is submitted under a single export bill.

7

If the entire sets of export documents have been sent by the exporter directly to the overseas buyer after complying with Exchange Control formalities.
- For each export bill sent for collection by exporter against which advance payment already received

Bill amount up to equivalent USD 5000.00 – Rs 250.00
-Bill amount equivalent to USD 5001.00 to USD 25000– Rs 500.00
-Bill amount beyond equivalent USD 25000.00 – Rs 1200.00

Additionally Rs. 100.00 per shipping bill to be charged if more than one shipping bill is submitted under a single export bill.

8

For each export bill sent for collection against which advance payment already received.

  • a- Full bill amount received in advance
  • b-Part Bill amount received in advance and remaining on collection basis

Discontinued
Included in Section XI Sr.No. 7 of Circular dated 15.06.2019

9

In case of each overdue export bill, sent on collection where the proceeds are not received in NOSTRO account on or before the due date and in case of each overdue export bill purchased/discounted/negotiated/ and subsequently treated as collection item after crystallization.

Rs. 500.00 per bill on quarterly basis after the due date and upto the date of realization (Overdue charges will be recovered at the end of every quarter. However, pro rata charges to be taken in first quarter and in the quarter when bill is realized)

9a - Advance Remittances against exports

Rs.200/- per remittance

10

Charges for issuance of export related certificates

Rs. 100.00 per certificate

11

Issuance of NOC for discounting export Bills with other bank

Rs. 1000.00 per bill

12

Net off/Set off of export bills against import of goods (For Per shipping Bill)
Other than these charges, no Bill collection charges to be recovered.

Rs. 1000.00 per shipping bill.

13

Approval for extension of due date
(Other than Applicable normal charges)

-Extension of due date up to 270 days from shipping bill date – Nil
-Extension of due date beyond 270 days from shipping bill date – Rs.1000/- per extension

14

Issuance of  GR waiver Certificate

Rs. 500.00 per certificate

15

Approval for write-off of export bills
(Other than overdue charges)

-Write-off of export bills against Bank charges- Nil
-Self Write-off of export bill by exporter- Nil
-Others- Rs.1000 per shipping bill

16

Late submission of documents (after 21 days from the date of shipment)
(Other than normal applicable charges for collection and overdue)

-Submission of documents beyond 30 days and up to 3 months - Rs.100 per shipping bill
-Submission of documents beyond 3 months - Rs.500 per shipping bill

17

Crystallization charges for export bills purchased/discounted at the time of crystallization.

Rs. 1000.00 per bill

18

Advising  Letter of Credit for the Our bank’s clients

Rs. 1000.00 per LC

19

Advising  Letter of Credit for the other-Bank clients

Rs. 2000.00 per LC

20

Advising of Amendment for Our Bank’s clients

Rs. 600.00 per amendment

21

Advising of Amendment for Other-bank clients

Rs. 600.00 per amendment

22

LC confirmation charges where LC opened in favour of Indian Exporter

a.Sight :
- 0.25% for the first quarter   
- 0.15% p.m. thereafter
(Min. Rs. 1500.00)
-  For LC amount exceeding INR 5.00 crore commission @ 0.50% per annum
(These charges i.e. @ 0.50% p.a. are applicable on the entire LC amount whenever the LC amount exceeds Rs. 5 crore)
-  Charges will be calculated from the date of opening of LC to the date of expiry of LC.
b.Usance:
-1.5% p.a. (Min. Rs. 2000.00)
- For LC amount exceeding INR 5.00 crore commission @ 0.40% p.a.
- Charges will be calculated from the date of opening of LC to the date of expiry of LC plus the usance period
(These charges i.e. @ 0.40% p.a. are applicable on the entire LC amount whenever the LC amount exceeds Rs. 5 crore)

Charges applied for actual number of days per annum basis.

23

Transfer of Letter of Credit

Rs. 1000.00 per transfer and subsequent amendment

24

For establishing an Import Letter of Credit/ Revolving Letter of Credit/ Letter of Credit covering imports of goods on deferred payment terms/ Back to Back letter of credit and Reinstatement charges (upon the reinstatement under a Revolving letter of Credit)

a.Sight
- 0.35% for the first quarter
- 0.15% p.m. thereafter
(Min. Rs. 1500.00)

  • Usance
  • 1.5% p.a. or part thereof     
  • For LC amount exceeding INR 5.00 crore commission @ 0.40% p.a. or part thereof.

          (Min. Rs. 2000.00)
(These charges i.e. @ 0.40% p.a. are applicable on the entire LC amount whenever the LC amount exceeds Rs. 5 crore)

Charges applied for actual number of days per annum basis.

25

In case of a Letter of Credit established against 100% cash deposit as Security.

25% of the charges as mentioned in Serial No 24

26

STANDBY LETTER OF CREDIT

Discontinued
Included under point 81

27

Extension of validity of LC

Rs.1000/- per amendment plus charges applicable as per point 24

28

In case of enhancement of value of credit

Rs.1000.00 per amendment
In case of enhancement of the value of a letter of credit, charges as per point No. 24 for establishing a letter of credit shall be recovered for the additional amount, for the remaining period.
In case of both enhance of value of Credit and extension of validity for a particular LC at a time, amendment charges will be recovered for one event. Other charges shall be recovered as per norms.

29

In case of amendment extending the tenor of the Bills of Exchange

Rs.1000.00 amendment charges In the case of amendment altering the tenor of the Bill of Exchange, additional charges as per point no 24 shall be collected on the outstanding liability under the LC

30

Amendment other than extension of validity or enhancement of tenor of the bill of exchange

Rs.1000.00 per amendment.

31

For revival of expired LCs within 3 months for the date of expiry

Any revival or reinstatement of an expired LC shall be at the option of the bank but within 3 months from the date of expiry and shall be subject to recovery of charges as per point 24 from the date of expiry upto the validity period of the revival Letter of Credit.

32

Letter of Comfort issued for availing Buyer’s Credit

Facility Discontinued as of now as per RBI directives.

33

Deferred Imports
Commission on Letter of Credit covering import of goods on deferred payment terms involving payments beyond a period of six months from the date of shipment over a period of time as defined in Exchange Control.

LC Amount

% per quarter

Upto 1 crore

0.25

>1 crore upto 5 crore

0.18

>5 crore

0.10

Calculated on the amount of liability under such credit at the beginning of every quarter.

Note: Charges will be recovered as mentioned above on the basis of LC amount coming under the particular slab. (For example, if LC amount is Rs. 4 crore, then charge will be @ 0.18% on entire amount.)

34

If the validity period of a Letter of Credit covering import on deferred payment terms is extended.

Flat amendment commission of Rs. 750/-, However, for any amendment extending the validity of the letter of Credit beyond 3 month period, commission at the applicable rate shall be recovered.

35

Amendment Enhancement

When the amount of an import letter of credit covering import on deferred payment terms is enhanced, commission at the applicable rate shall be recovered on the amount so enhanced. Note: For purposes of levying charges under this Rule value of each enhancement will ordinarily be considered separately without adding it to the outstanding liability of the letter of credit. However, branches may, at their discretion “add” the value of enhancement to outstanding liability of the letter of credit for purpose of levying charges depending upon the circumstances of each case.

36

Credit Opinion Report

Actual cost of report

37

Shipping Guarantee for clearance of goods pending production of bill of lading.

  1. Relating to imports under LCs opened by the  banks

 

  1. In all other cases
  1. Documents under LC:

                  Flat Rs. 1000.00 per Shipping Guarantee

  1. In all other cases:

 

0.05% p.m. for the period of guarantee, Minimum Rs. 1000.00

38

Foreign currency Import bills under LC at the time of crystallization or retirement whichever is earlier
( where exchange benefit accrues)

0.125% of the bill amount-
Minimum of Rs. 1000.00 – Maximum Rs. 25000.00

39

Foreign currency bills under LC where no exchange benefit accrues

0.25% of the bill amount.
Minimum of Rs. 1000.00 – Maximum Rs. 30000.00

40

Discrepancy charges in case of non-confirming documents under LC

USD 50, EUR 50, GBP 50, JPY 5000 for LCs issued in USD, EUR, GBP and JPY; respectively. For all other currencies equivalent to USD 50.

41

Import bill (not under LC) drawn in foreign currency on which bank earns exchange benefit.

0.15% of the bill amount.
Minimum of Rs. 1000.00 – Maximum of Rs. 25000.00

42

Import bill (not under LC) drawn in rupees and in foreign currency on which bank earns no exchange benefit.

0.30% of the bill amount.
Minimum of Rs. 1000.00 – Maximum of Rs. 50000.00

43

For foreign currency import bill required to be forwarded to another bank required for remitting proceeds to the remitting bank abroad

Rs. 1000.00 per bill as handling charges

44

For each bill received by importer directly from the overseas exporter/bank at the time of effecting remittance.
Where  exchange benefit accrues to the bank

0.125% of the bill amount.
Minimum of Rs. 1000.00 – Maximum of Rs. 10000.00

45

For each bill received by importer directly from the overseas exporter/bank at the time of effecting remittance.
Where no exchange benefit accrues to the bank

0.20% of the bill amount.
Minimum of Rs. 1000.00 – Maximum of Rs. 25000.00

46

Import documents covering project imports under Inter-Government Aid Scheme and Schemes (including projects those financed by International Agencies like  World Bank, IMF, ADB etc.) where no LC is opened.

To be charged as applicable on import bills as per point no. 41, 42, 44 and 45.

47

If foreign currency remittances are received in advance from the overseas buyer, and the specific request of merchanting trade customer hold the foreign currency funds in their Nostro A/C without converting the amount into Indian Rupee till the date of payment to the overseas supplier & the bank would not apply buying and selling rate of exchange.
Serial 41

Discontinued
( We have charged for Merchanting Trade transaction separately)

48

Issuance of Delivery Order pending receipt of Import Bill ( document not under LC)

Rs. 1000.00 per delivery order.

49

Advance remittance against imports
Where exchange benefit accrues to the bank

0.15% of the remittance amount.
Minimum of Rs. 500.00 – Maximum of Rs. 10000.00

50

Advance remittance against imports
Where no exchange benefit accrues to the bank

0.20% of the remittance amount.
Minimum of Rs. 1000.00 – Maximum of Rs. 15000.00

51

Net off/Set off of import bills against export of goods.
Other than these charges, no Import Bill collection charges to be recovered. 

Rs. 2000.00 per bill.

52

Custody charges for overdue import bills

Rs. 500.00 per bill per quarter or part thereof, after the due date.
(Overdue charges will be recovered at the end of every quarter. However, pro rata charges to be taken in first quarter and in the quarter when bill is realized)

53

Follow up for submission of BOE

1. Advance remittance for Import - Rs. 1000.00 if the BOE is not submitted within 180 days from the date of last remittance.
2. Payment against Import Bill- Rs.1000 per bill of entry if not submitted within 90 days from the date of remittance.
(Charges to be recovered at the time of submission of Bill of Entry)

54

Merchanting trade transactions for Import transaction
(Other than applicable charges for import bill i.e. collection charges, overdue charges, etc.)

Flat Rs. 500.00 per import bill

55

Counter signing/ Co-acceptance/ Availisation of Import bills

0.085% per month for the tenor of bills subject to minimum of 0.25%.

56

Recovery of commission in lieu of exchange on import bills payment of which are settled out of foreign currency loans arranged abroad, foreign currency accounts and EEFC accounts

Discontinued.
No commission in lieu of exchange to be charged in case import bills (under LC or otherwise) are realized out of foreign currency loans arranged abroad/ buyers credit.

No extra charge to be taken in case of EEFC funds too.

57

IMPORT BILLS FOR COLLECTION
Usually in respect of foreign currency collection bills the bank shall be entitled to exchange and commission. If for any reason the bank is required to forward the documents to another bank which will be required to remit the proceeds to the remitting bank abroad.

Discontinued.
Already covered under point no 43

Outward Remittances other than Imports

Sr. No.

ervices

system/manual

Revised  Charges w.e.f. 10.02.2020

58

Outward remittance in foreign currency for Non-individuals (other than advance payment against import)
Where exchange benefit accrues to the bank

Baroda Insta

0.10% of the transaction amount.
Minimum of Rs. 500.00 – Maximum Rs. 5000.00  

59

Outward remittance in foreign currency for Non-individuals (other than advance payment against import)
Where no exchange benefit accrues to the bank

Baroda Insta

0.25% of the transaction amount.
Minimum of Rs. 1000.00 – Maximum Rs. 10000.00

60

Outward remittance in foreign currency under LRS and remittance from NRO accounts

Baroda Insta

Rs. 500.00 – up to  Rs. 25000.00
Rs. 750.00 – above Rs. 25000.00

61

Outward remittance in foreign currency from NRE account

Baroda Insta

Rs. 500.00 – up to  Rs. 25000.00
Rs. 750.00 – above Rs. 25000.00

62

Issuance of Foreign Currency Demand Draft

Baroda Insta

For Individuals - Rs. 500.00 per draft

For Non-Individuals – 0.10% of the instrument amount (min. Rs. 500.00 – max. Rs. 5000.00)
0.25% for non-individual where exchange benefit does not accrue to the bank (min. Rs. 1000.00 – max. Rs 10000.00)

63

Cancellation of Demand Draft

 

Rs. 100.00 per draft

64

Issue of Foreign Currency Travellers Cheques commission

Baroda Insta

1% on rupee equivalent payable by the customer.

65

Where at the request of the beneficiary, foreign currency travelers cheques are issued by the Authorised Dealers against foreign currency remittances received from abroad.

Baroda Insta

0.25%
(Min.Rs.200.00)

66

Payment of foreign currency draft by the drawee bank by issuing their own draft in the same currency in favour of the beneficiary bank with whom the relative foreign currency amount is to be deposited in a FCNR account.

Baroda Insta

Rs. 500.00 per draft

67

Inward Remittances

Manual

Nil where proceeds are to be credited to our account.
In all other cases – Rs. 100.00

68

Commission on Clean Instruments sent for collection abroad

Baroda Insta

0.1% of the instrument amount
(min. Rs. 250.00 – max. Rs. 5000.00)

69

Foreign currency instruments favouring resident beneficiary and sent for collection in India

 

Discontinued
Already included in point 68

70

Charges for dishonoured of clean instruments sent on collection

 

0.1% of the instrument amount
(min. Rs. 250.00 – max. Rs. 2000.00)+ any cost/charges incurred by our correspondent

71

Encashment of TTs/ purchase of MTs/ DDs in respect of which cover has been received in NOSTRO accounts

 

NIL, since cover has been received in NOSTRO accounts.

72

Where the inward remittance has to be paid in foreign currency by way of a Demand Draft/ Mail Transfer/ Payment Order/ Telegraphic Transfer

 

 

Discontinued.
Already covered at point 65

73

Where the inward remittance has to be executed in foreign currency by issuing a demand draft/ mail transfer/ payment order/ telegraphic transfer commission shall be recovered from beneficiary/ beneficairy’s bank as the case may be.

Baroda Insta

0.1% min. Rs. 500.00 and max Rs. 5000.00

74

Follow-up of submission of export documents against advance remittance

Manual

-Advance remittance received up to 31.12.2018 – Nil
-Advance remittance received on or after 01.01.2019 – Rs.250 per remittance per quarter after one year from the date of receipt of advance.
Not applicable for export orders to be executed on deferred terms.
(Charges to be recovered at the end of every quarter. However, pro rata charges to be taken in first quarter and in the quarter when bill is realized)

75

Export performance guarantees for Project Exports which include:

  1. Bid-bond
  2. Bond for earnest money
  3. Guarantee for advance payment made by foreign buyers to Indian exporters/contractors

Manual

Guarantees covered by ECGC cover to the extent of 75%

1.25% p.a. including ECGC premia

Guarantees covered by ECGC cover to the extent of 90%

1.30% p.a. including ECGC premia

Guarantees covered by counter guarantee of the GOI

0.30% p.a.

Guarantees not covered by ECGC/GOI counter guarantee

1.00% p.a.

Commission in respect of Bid Bonds: Commission for issuing bid bonds for supplies to projects carried out abroad shall be recovered to the extent of 25% thereof for the full period of validity of the bonds at the time of issue. If the bid materializes the balance 75% of the commission shall be recovered, else the commission previously collected will be refunded.

76

Export Performance Guarantee (other than Project Exports) covering:

  1. Bid Bond, etc.
  2. Export Obligations in terms of import trade control regulations

Guarantees linked to deemed exports

system

0.10% p.m. for the specified period of liability. For any part of the month, the period will be reckoned as full month. A month will be considered to have 30 days.

In case of early redemption of the guarantees beyond a period of 3 months from the date of issue, 50% of the commission for the unexpired period i.e. from the date of redemption to the expiry date shall be refunded.

Commission for issuing bid bonds for supplies connected with deemed export/direct exports other than project exports shall be recovered to the extent of 25% thereof for the full period of validity of the bonds at the time of issue. If the bid materializes the balance 75% of the commission shall be recovered, else the commission previously collected will be refunded.

77

Deferred Payment Guarantees covering import of goods into India/repayment of foreign currency loans

System

0.50% per quarter or part thereof for the specified period of liability calculated on the amount of liability under such guarantees at the beginning of every quarter.
Minimum charges for a quarter to be charged.

78

Advising of Guarantee

Manual

Rs. 500.00 per advice

79

Enhancement of Value/ Extension of Tenor of the Guarantee

System

Charges as per point no. 75,76 and 77 are applicable.

80

Guarantees issued against 100% cash margin/ 100% counter guarantee of the GOI

System

25% of the charges as per point no. 75,76 and 77 applicable.

81

tandby Letter of Credit against trade credits

From the date of opening of LC to last date of its validity including usance period.

System

-Below  INR 5 Crore - 1 % p.a. or part thereof
- INR 5 Crore &  above  – 0.40% p.a. These charges i.e. @ 0.40% p.a. are applicable on the entire SBLC amount whenever the SBLC amount exceeds Rs.5 crore.

81a- Standby Letter of Credit others

 

No change

82

All other guarantees

system

0.15% per month for the specified period of liability

Where the guarantee period is less than 2 months, commission recoverable shall be 0.25%.

In case of early redemption of the guarantee after a period of 2 months.

50% of the commission for unexpired period may be refunded at the discretion of bank.

83

Minimum charges for any guarantee shall be

 

Discontinued

Overseas Direct Investment

Sr. No.

Services

Revised  Charges w.e.f. 10.02.2020

84

Processing of ODI transaction including generation of UIN

Rs. 10000.00 per UIN. (one time charges)
In addition to this, charges for the remittance will be levied as applicable.

Foreign Direct Investment

Sr. No. Services Revised  Charges w.e.f. 10.02.2020

85

Processing of  (FCGPR, FCTR (to be taken at the time of first reporting to RBI like Annex 6)

Rs. 10000.00 (one time charges- where funds have been received by  Bank of Baroda)
Rs. 25000.00 (one time charges- where funds have been received by other banks)

In addition to this, charges for the remittance will be levied as applicable.

Project Export Approvals

Sr. No. Services System/manual Revised  Charges w.e.f. 10.02.2020
86 Approval for Project Exports  Manual Rs. 5000.00 per project. (one time charges) at the time of granting approval.
In addition to this, charges for the remittance will be levied as applicable.

External Commercial Borrowing

Sr. No. Services System/manual Revised  Charges w.e.f. 10.02.2020
87 ECB (Form 83 Scrutiny) Manual Rs. 5000.00 per LRN. (one time charges) where loan is arranged from Bank of Baroda
Rs. 10000.00 per LRN (one time charges) where loan is arranged from other sources/banks.
In addition to this, charges for the remittance will be levied as applicable.

Establishing Warehouses/ Setting up Liaison/ Branch Offices

Sr. No. Services System/manual Revised  Charges w.e.f. 10.02.2020
88 Setting up liaison/branch offices in India Manual Rs. 10000.00 per request
89 Establishing warehouses/ offices abroad Manual Rs. 10000.00 per request
90 Opening of accounts abroad Manual Rs. 2000.00 per request

Forward contracts

Sr. No. Services System/Manual Revised  Charges w.e.f. 10.02.2020
91 Charges for Booking of forward contracts System Rs. 500.00 per contract
92 Charges for Early Delivery/Extension of Forward Contracts Including NRIs)
Cancellation of forward contract
System Rs. 500.00 per contract Nil
93 Booking of forward sale contract in respect of import bills drawn under letter of credit opened by another bank. (Where an importer has arranged for fixation of a forward contract with a bank other than the one through whom the letter of credit has been opened). Manual 0.15% commission in lieu of exchange in addition to swap cost and interest from the date of negotiation till the date of credit of proceeds in the Bank’s Nostro a/c (min Rs. 1000.00)

Miscellaneous Charges


Sr. No.
Services System/Manual Revised  Charges w.e.f. 10.02.2020
94 Swift Charge Baroda Insta Rs. 500.00 for every SWIFT message
95 Courier Charges Baroda Insta Dispatches outside India - Rs. 1200.00 per document
Dispatches within India – Rs. 250.00 per document
96 Processing of applications /representation to RBI Manual Rs. 500.00 per application/representation.
97 Issuance of NOC for permitted cases in respect of capital account transactions Manual Rs. 1000.00 per NOC
98 Transfer of existing UIN/LRN to other AD Manual Rs. 5000.00 per transfer
99 Non submission of APR/ proof of ODI/FCGPR/FCTRS/ARF/ Project Export progress report Manual Rs. 2500.00 on a half yearly basis
General Notes:
  • In addition, any other out of pocket expenses incurred by the Bank will be recovered at actual.
  • All above charges are exclusive of SWIFT and courier charges. SWIFT/ Courier charges as mentioned above will be additional charged wherever applicable.
  • All above charges are exclusive of GST and applicable GST will be charged extra.
  • GST applicable on foreign currency exchanged – as below: (as applicable from time to time)
Amount of Currency Exchanged GST Rates Minimum GST Maximum GST
Up to INR 1.00 lakh 0.18% of currency exchanged Rs. 45.00 Rs. 180.00
Between INR 1.00 lakh and up to
INR 10.00 lakhs
INR 180.00 + 0.09% of the
currency exchanged
Rs. 180.00 Rs. 990.00
Above INR 10.00 lakhs INR 990.00 + 0.018% of the
currency exchanged
Rs. 990.00 Rs. 10800.00
  • Stamp duty charges applicable in the respective states as per government regulations from time to time will be recovered wherever applicable.
  • 100% waiver of charges on personal Inward and Outward remittances (excluding trade related transactions) be allowed in respect of existing Staff Members/ Honourably Retired Employees of our bank. Out of pocket expenses i.e. postage/courier/SWIFT/taxes etc.; if any are to be recovered on actual basis.
  • The above schedule of charges will only apply in cases where specific customer level pricing approval/sanction is not in place.
मोरगेज और रिटेल आस्ति
Sr. No. Area of Banking Service Service Charges
(Excluding GST)  w.e.f. 20.06.2019

1

Baroda Home Loan &
Baroda Home Improvement Loan

Slab wise

Upto Rs 50 Lacs
0.50% of Loan amount:
Minimum: Rs 8,500/- (Upfront)
Maximum: Rs 15,000/-

Above Rs 50 Lacs
0.25% of Loan amount:
Minimum : Rs 8,500/- (upfront)
Maximum: Rs 25,000/-

The above charges are unified processing charges which includes inspection, valuation and legal fees

For staff members:
Actual Charges for Advocate / Valuers / CERSAI / ITR verification (if any) only to be recovered.

The above charges are for all categories of borrowers under Home Loans.

2

Baroda Home Loan Top Up

0.35%
Minimum: Rs 5,000/- (upfront)
Maximum: Rs 12,500/-

3

Takeover of Home Loan 
(Resident /NRI/PIOs)

Flat: Rs 8,500/- (upfront)

4

Pre Approved Home Loan  (In Principal Sanction)

0.25% - 0.50%

Rs 8,500/- (upfront).
If the borrower submits the property documents with in the validity period of pre- approval letter, balance amount of unified processing charges as applicable to Home Loan only will be recovered from the borrower.

5

Baroda Ashray
(Reverse Mortgage  Loan)

0.20%
Upfront Charges: Rs 8,500/-
Maximum Rs 10,000/- 

6

Baroda Advance Against Gold Ornaments / Jewellery

0.50%
Minimum: Rs 500/-
Maximum
Loan upto Rs 5.00 Lakhs: Rs 2500/-
Loan above Rs 5.00 Lakhs: Rs 3500/-

7

Baroda Traders Loan
(including Baroda Traders Gold Card scheme)

OD: 0.35%
TL: 0.50%

Minimum: Rs 8,500/- (Upfront) per property

8

Baroda Loan to Doctors

0.35%
Maximum Rs 15000/-

9

Baroda Advance Against Securities

Rs 500/-
(No other charges)

Staff/ Ex-Staff: No Charges

10

Baroda Car Loan

0.50% of Loan amount
Minimum: Rs 2,500/-
Maximum Rs 10,000/-

11

Baroda Two Wheeler  Loan

2% of Loan amount,
Minimum Rs 1000/- 
Staff/ Ex-Staff: No Charges

12

Baroda Personal Loan
(including Baroda Premium Personal Loan)

2% of Loan amount
Minimum: Rs 1000/-
Maximum: Rs 10,000/-

13

Baroda Pensioners Loan

Pensioners/ Family Pensioners of our Bank (Ex-Staff) : Nil
Others : Rs 1,000/-

14

Baroda Mortgage Loan:

TL: 1%
Minimum: Rs 8,500/- (Upfront) per property
Maximum: Rs 1,50,000/-

OD:

Upto Rs 3.00 Crores: 0.35%
Minimum: Rs 8,500/- (Upfront) per property
Maximum: Rs 75,000/-

Above Rs 3.00 Crores: 0.25%
Minimum: Rs 8,500/- (Upfront) per property
Maximum: No Limit

15

Baroda Education Loan

Study in India   -  Nil

Study Abroad - 1.00% of Loan amount (maximum Rs 10,000/-) to be recovered upfront which will be refundable on availment (first disbursement) of loan.

Education Loan for students of Premier Institutions (studies in India): Nil

Education Loan for Vocational Education and Training:  Nil

Career Development: 0.50%

Notes:
(a) A non refundable Lump sum amount Rs 8,500/- per property (towards Advocate and Valuer charges) to be taken upfront in case of all Education Loan accounts, wherever property is mortgaged.

(b) No Mortgage creation charges for all types of Education Loans.

16

LABOD/ODBOD

Nil

17

Future Rent Receivables

0.50%

Minimum: Rs 1000/-

Maximum:
Upto Rs 5.00 Crores: Rs 2.00 lakhs
Above Rs 5.00 Crores and upto Rs 10.00 Crores: Rs 3.50 Lakhs
Above Rs 10.00 Crores and upto Rs 20.00 Crores: Rs 5.00 Lakhs
Above Rs 20.00 Crores: Rs 10.00 Lakhs

18

Modification Charges

Upto Rs 1.00 Crores: Rs 5,000/-
Above Rs 1.00 Crores upto Rs 10.00 Crores: Rs 15,000/-
Above Rs 10.00 Crores: Rs 25,000/-

19

Deviation Charges

Home Loans: Rs 1,500 per deviation (Maximum Rs 5,000)
Education Loan: Nil

Other Retail Loans: Rs 3,000 per deviation (Maximum Rs 10,000)

20

Commitment Charges in Mortgage Loan and Traders Loan (Overdraft facilities only)

Minimum quarterly average utilization of sanctioned limits should be 60%.

In case of quarterly average utilization of sanction limit is less than 60% of the sanction limit, interest in the account will be charged on minimum 60% of sanctioned limits on quarterly basis.

21

Mortgage Creation Charges

Per borrowing entity with FB+NFB limits of

Up to Rs 10.00 Lakhs: Rs 500/- per Lakh
Above Rs 10.00 Lakhs & upto Rs 50.00 lacs: Rs 5,000/-
Above Rs 50.00 Lakhs & upto Rs 100.00 Lakhs: Rs10,000/-
Above Rs 100.00 Lakhs: Rs 15,000/-

Mortgage creation charges as mentioned above will be recovered separately for Retail Loans, except Education Loans and Home Loans/ Home Improvement Loan and Top-up Loan.The charge specified is applicable per instance irrespective of the number of title deeds.

The charges are applicable for extension of mortgage for enhancement and for substitution of title deeds also.

The charge is applicable for extension of equitable mortgage recorded in favour of other lenders also.

डिजिटल बैंकिंग उत्‍पाद संबंधित प्रभार

To encourage our Retail Customers to do Digital Transaction using our Digital Channels without any charge and without any fear, it has been decided by Top Management to waive transaction charges for following Transaction done by our Retails Customer using Bank’s following Digital Channels from 20th March 2020 to 19th June 2020

Product Particular Service Charges
Service Charges through Digital Channels (excluding GST) Service Charges through Branch (excluding GST) w.e.f. 20.06.2019

Internet Banking

EPFO online collection/ ESIC online collection

Rs  10/-

IRCTC online TICKET BOOKING

Rs 10/-

PASSWORD PRINTING (charges on regeneration only, free for new user)

Rs 25/- for Retail customer and Rs 50/- for Corporate customer

IMPS

upto Rs 1,000/-

Rs 1/-

Rs 2/-

Rs 1,001/- to Rs 25,000/-

Rs 1.5/-

Rs 3/-

Rs 25,001/- to Rs 2,00,000/-

Rs 5.5/-

Rs 10/-

NEFT

 

Revised w.e.f. 01.01.2020
Other than SB accounts

 

upto Rs 10,000/-

Rs 2.25

Rs 2.25

Rs 10,001/- to Rs 1,00,000/-

Rs 4.75

Rs 4.75

Rs 1,00,001/- to Rs 2 Lac/-

Rs 14.75

Rs 14.75

Above Rs 2 Lac

Rs 24.75

Rs 24.75

 

 

SB account -NIL

 

BBPS

Electronic OFF- US transactions (Customer Convenience Fee in Rs)

Bill Amount Rs
0-1000→ Rs 5/- 
1001-2000→Rs 15/-
≥2001→Rs 25

Customer Convenience Fee in Rs for OFFLINE  Physical transactions - All payment modes includes bank branches

Bill Amount Rs
0-1000→ Rs 5/- 
1001-2000→Rs 15/-
≥2001→Rs 25

National E-toll Collection

Tag Issuance Fee

Rs 84.74/-

National E-toll Collection

Tag Replacement  Charge

Rs 50/- 

NACH

Return Charges

Mandate Charges

Return Charges - Rs 250/- w.e.f. 01.10.2019

Mandate - Rs 100/-

Self Service Pass Book Printer

Duplicate Passbook Issuance Charges

Rs 100/-

Debit Card Annual fee

RuPay Classic (Non Personalised/ Personalised)

1st Year Free & Second Year onwards Rs 150/-

RuPay Platinum (Non-Personalised/Personalised)

1st Year Free & Second Year onwards Rs 200/-

Visa Classic (Non Personalised/ Personalised)

1st Year Free & Second Year onwards Rs 150/-

Visa Platinum (Non Personalised/ Personalised)

1st Year Free & Second Year onwards Rs 200/-

Master Card Classic (Personalised)

1st Year Free & Second Year onwards Rs 150/-

Master Card platinum (Personalised)

1st Year Free & Second Year onwards Rs 200/-

RuPay PMJDY (Bhamashah/Samagra)

Government Sponsored Schemes - Fee Exempted

RuPay KCC

RuPay Mudra

Debit Card PIN Regeneration

RuPay Classic (Non Personalised/ Personalised)

Rs 50/-  per regeneration

RuPay Platinum (Non-Personalised/Personalised)

Visa Classic (Non Personalised/ Personalised)

Visa Platinum (Non Personalised/ Personalised)

Master Card Classic (Personalised)

Master Card platinum (Personalised)

Mastercard world Radiance (Personalised)

RuPay PMJDY (Bhamashah/Samagra)

Government Sponsored Schemes - Fee Exempted

RuPay KCC

RuPay Mudra

Debit Card Other charges

Charge –slip retrieval charges

Rs 400/- per retrieval.

IRCTC online TICKET BOOKING

Rs 10/-

Card Replacement (Master /Visa/Rupay)

 

Rs 200/-

ATM

Number of Free OFFUS transactions

Metro ATM-3, Non Metro-5

ATM charges after free OFFUS transactions

For Financial Transaction

Rs 20/-   per transaction

For Non – Financial Transaction

Rs 10/-   per transaction

ATM International Usage Charges

Cash Withdrawal

For Classic variant : Rs 250/-  
For Platinum variant : Rs 450/- 

Balance Inquiry

Rs 30/- 

Pre-paid Card

Gift Card -Issuance : For amount up to Rs 2,000/-

Rs 50/-

Gift Card -Issuance : For amount  Rs 2,001/- Rs 10,000/-

Rs 100/-

Gift Card -Revalidation charges

Rs 100/- 

Gift Card -Card Usage Charges (Per balance Inquiry)

Rs 10/- 

Reloadable card: Issuance charges

Rs 100/-

Reloadable  card-Revalidation charges

Rs 100/-

Reloadable card -Other Service charges

Rs 20/- 

Travel Card Issuance fees - USD/GBP/EURO

Rs 150/-

Travel Card Stand by card fees - USD/GBP/EURO

Rs 150/-

Travel Card Re load fees - USD/GBP/EURO

Rs 55/-

Travel Card- Replacement Card fee in case of lost/stolen card (post age extra) USD

USD 3.0

Travel Card- Replacement Card fee in case of lost/stolen card (post age extra) GBP

GBP 2.0

Travel Card- Replacement Card fee in case of lost/stolen card (postage extra) EURO

EURO 2.0

Travel Card- Chargeback fee USD

USD 3.0

Travel Card- Chargeback fee GBP

GBP 1.5

Travel Card- Chargeback fee EURO

EURO 1.5

Travel Card- ATM Withdrawal fee USD/GBP/EURO

0.9% of Transaction value

Travel Card- ATM Balance enquiry fee USD/GBP/EURO

USD 0.5 /GBP 0.5 /EURO 0.5

Travel Card- Refund of balance in the card account : USD/GBP/EURO

Balance will be refunded after deducting INR 250/- . Foreign Currency Conversion taxes extra as applicable.

Travel Card- Deduction  on  expired  Card  (EVERY  12MONTHS): USD/GBP/EURO

USD 5.0 /GBP 3.0 /EURO 3.0

Travel Card- Inactivity Fee (card not used for 180 days): USD/GBP/EURO

USD 5.0 /GBP 3.0 /EURO 3.0

Travel Card- Card sent by other Bank(If left behind at other bank's ATM or POS): USD/GBP/EURO

USD 15.0 /GBP 10.0 /EURO 10.0

Travel Card- New ATM Pin (sent to registered email ID): USD/GBP/EURO

USD 3.0 /GBP 1.5 /EURO 1.5

Travel Card- Usage(Cross Currency):

3% of transaction value

SMS Alerts Charges

SMS Alerts Charges

Savings Account – Rs 15 charged quarterly

Current / Overdraft / Cash Credit Accounts – Rs 25 charged quarterly

कृषि और अग्रिम
Sr. No. Area of Banking Service Revised service Charges
(Excluding GST)  w.e.f. 20.06.2019

1.

Processing Charges for Agriculture

For Working Capital (Fresh/Review)
Fund Based:
Above Rs 3 lacs to Rs 10 Lacs - Rs 250/- Lac or part thereof +GST
Above Rs 10 Lacs– Rs 350/lac or part thereof maximum Rs 35.00 Lacs (For exporters Rs 17.50 Lacs)

Non Fund Based:
50% of charges Applicable for Fund Based Limit (Cap for Priority Sector Rs 17.50 lacs and for exporters Rs 7.50 lacs

For Term Loan (Fresh)
Above Rs 3 Lacs - DL/TL 1% of the limit sanctioned with a maximum of Rs100 lacs (Cap for exporter- Rs 50 lacs)

For Term Loan (Review)
Above Rs 3 Lacs – Rs 60 per lac or part thereof with No Cap

Note: Please note that any specific scheme related charges which is mentioned in the scheme specific circular remain in force and above charges are not applicable in those specific schemes of agriculture.

2.

Inspection charges for Agricultural Advances

Above Rs 3 lacs to Rs 10 Lacs - Rs 250
Above Rs 10 Lacs to Rs 1 Crore  – Rs 1000
Above Rs 1 Crore – Rs 5000

In addition to the above actual conveyance and out of pocket exp. reimbursed to be recovered

Note: Please note that any specific scheme related charges which is mentioned in the scheme specific circular remain in force and above charges are not applicable in those specific schemes of agriculture.

3.

Inspection Charges for crop loan

Above Rs 3 lacs to Rs 10 Lacs - Rs 250
Above Rs 10 Lacs to Rs 1 Crore  – Rs 500
Above Rs 1 Crore – Rs 1000

In addition to the above actual conveyance and out of pocket exp. reimbursed to be recovered

डिमैट प्रभार

Sr. No.

Area of Banking Service

Revised service Charges
(Excluding GST)  w.e.f. 20.06.2019

1

A/c Opening Charges

Rs 500/- for Individuals and Rs 750 for Non Individuals
(under revision)

2

 DEMAT Annual Maintenance
Charges

General Customer:
For Individuals-First year free for new accounts
From second year onwards Rs 500/- p.a. plus
For Non-individual - Rs 700/- plus 
BSDA customers:
For Individuals - First year free for new accounts
Thereafter no AMC to be levied if the value of holding is up to Rs 50,000/- during financial year.

AMC will be charged at Rs 100/- plus GST only for the value of holding from Rs 50,001/- up to Rs 2,00,000/- during financial year.

3

Dematerlisation of shares

Rs 5.00 per certificate with minimum of Rs 50/- plus actual postage plus

4

Re-materlisation

NSDL Demat Account : Rs 10/- plus actual postage for every hundred securities or part thereof subject to maximum fee of Rs 5,00,000/- or a flat fee of Rs 10/- per certificate whichever is higher for NSDL Demat accounts. CDSL Demat Account : Rs 30/- plus  per actual postage per ISIN

5

Transaction Charges

General Customers : 0.04% of market value subject to minimum Rs 20/- per transaction.                               
For Debt instruments and commercial papers 0.03% of market value subject to minimum Rs 20/- plus per transaction. BCML customers : Transaction charges at Rs 15/- plus per debit transactions

6

KYC registering Agency Charges
(KRA charges)

KRA charges @ Rs 40/- plus  actual postage for new KYC data to be uploaded.
KRA charges @ Rs 40/- plus per download will be applied.
For modifications in KRA of the existing clients KRA charges @ Rs 30/- plus GST plus actual postage

7

Pledge Creation

Rs 100/-  per ISIN per request

8

Pledge Creation confirmation

Rs 100/-  per ISIN per request

9

Pledge Closure

NIL

10

Pledge Closure Confirmation

NIL

11

Pledge Invocation

Rs 100/-  per ISIN per request

12

Failed instruction Charges

Nil

13

Other Charges

• Additional A/c statement Rs 20/-  per request.
• Sign verification or any other certificate & freeze / unfreeze Rs 50/- plus per request.
• One DIS booklet of 10 leaves free of
cost at the time of A/c opening and thereafter subsequent DIS will be issued @ Rs 20/-  per booklet of 10 leaves for General Customer.
• Two DIS slips only will be issued at the time of account opening to BSDA customer.
• Change of Address/ECS Rs 30/- plus  per request.

14

Overdue Charges

Interest @18% p.a. will be payable for payment of service charges after due date (under revision)

15

Transfer of Securities from one DP to another DP consequent to
account closure

Consequent to closure of account, no charges to be levied, when Beneficiary Owner (BO) transfers all the securities lying in this account to another Branch of the same DP or to DP of the same depository or another depository, provided the BO Accounts at transferee DP and at transferor DP are one and the same i.e. Identical in all respects.

16

Other Terms & Conditions

a. Refund of AMC on closure of Demat account will be on quarterly basis( e.g. if account is closed in the month of July, refund of AMC will be applicable for remaining two quarters i.e. December & March of the financial year.
b. The service’s not listed above will be charged separately.
c. All the above charges are applicable uniformly to individuals. Non-individual except that AMC are different for individuals and Non –Individuals.
d. The charges are subject to revision from time to time at Bank’s discretion.

17

Statutory Charges at the time of Account Opening

Nil

18

Advance / Deposit

Nil

बड़ौदा नकदी प्रबंधन सेवाएं
Sr. No. Area of Banking Service Revised service Charges
(Excluding GST)  w.e.f. 20.06.2019
A
i Internal Fund Transfer (IFT) (per transaction) Nil.
ii National Electronic Funds Transfer (NEFT) (per transaction) Rs 2.50 per txn.
iii Real Time Gross Settlement (RTGS) (per transaction) Rs 25.00 per txn.
iv Immediate Payment system (IMPS) (per transaction) Rs 3.50 per txn.
v NACH Payments Rs 3.00 per txn.
B
I  
(a) Single pick up charges per pick up location (within city limit). Rs 500.00 per pick-up point per month
(b) Cheque processing charges (per instrument). Rs 3.00
(c) Returns charges per instrument. Rs 100.00
(d) Outstation cheque processing charge Rs 1.00 per 1000 minimum Rs 25.00
C
i  
(a) Registration of Instruction (Recovered from A/c holder) Rs 100.00
(b) Registration of Instruction (payable by Corporate who is receiving the fund) Rs 10.00
(c) DDI pick-up by vendor per point per month Rs 500.00
(d) DDI scanning by vendor Rs 5.00
(e) Execution of DDI transaction per entry Rs 3.00 per txn.
(f)   (i) CMS customer Rs 5.00
(ii) Mandatee Rs 250.00
ii  
   
(a) Registration of mandate (payable by Corporate who is receiving the fund) Rs 10.00
(b) Mandate pick-up by vendor per point per month Rs 500.00
(c) Mandate scanning by vendor Rs 5.00
(d) Mandate processing Rs 10.00
(e) Execution of transaction per entry Rs 3.00 per txn.
(f) Unpaid/ Returned NACH (per transaction) Rs 5, NIL for technical reasons
D
i Sweeping/ Pooling charges Nil per transaction
E
i On-boarding and subsequent Annual Maintenance Charges (AMCs) for each account  Rs 250.00
पीओएस प्रभार
Sr. No. Area of Banking Service Revised service Charges
(Excluding GST)  w.e.f. 20.06.2019
1

Installation chrgs

NIL

2 Monthly charges BOBCARDS Services:
QR Code: Rs 100
M-POS: Rs 250
POS: Rs 475
Third Party Services:
a) Sole acquiring:
PSTN: Rs 450
DGPRS (without battery):    Rs 600
GPRS (without battery): Rs 700
b) Multi acquiring:
DGPRS (without battery): Rs 450
GPRS (without battery): Rs 500
3

MDR

0

4

Debit card

0

Txn upto 1000

NIL

from 1000 to 2000

NIL

above 2000

0.90%

5

Credit card

0

Standard
(for all credit card & International Debit Card)

1.99%

premium

1.99%

super premium

1.99%

Diners & Discover Cards

3%

6

Security Deposit

1) GPRS Fixed/Wireless/ PC POS -Rs 10000/-
2) PSTN: Rs 6000/-

7

Copy of Charge Slip

0

8

Mark Up for International Txn

0

Escrow Account Charges (other than Advances) : In case of ordinary/non-borrower Escrow account i.e. PPP/ E Payment Gateway/Tender/Central or State Govt bodies/ local bodies/NBFC etc, Service Charges are as following:- 0.1% of turnover or ₹ 20000/- whichever is lower. Periodicity of this charge is annually.
DOOR STEP BANKING SERVICE TO CUSTOMER
NEW System/Manual Customer Pricing
Range Amount of Cash (Rs. )   Beat Pickup On Call Pickup Cash Delivery

RP0

ANY Cash Limit

- 0 0 -

RP1

Upto Rs. 50,000

  Rs. 4815.00 Rs. 500.00 Rs. 625

RP2

Rs. 50,001 to Rs. 1,00,000

  Rs. 5065.00 Rs. 600.00 Rs. 625

RP3

Rs. 1,00,001 to Rs. 2,00,000

Rs. 6250.00 Rs. 650.00 Rs. 625

RP4

Rs. 2,00,001 to Rs. 3,00,000

  Rs. 8500.00 Rs. 700.00 Rs. 750

RP5

Rs. 300001 to Rs. 4,00,000

  Rs. 9500.00 Rs. 800.00 Rs. 750

RP6

Rs. 4,00,001 to Rs. 5,00,000

  Rs. 14800.00 Rs. 900.00 Rs. 1125

Other Charges

Sl No. Service Service Charges to Customers
1

Beyond City Limit upto 5 KM (One way distance)

50% Extra above Charges.

2

Beyond 5 KM (One way distance) from City Limit

Rs. 15 per KM whichever is higher.

3

Extra Limit Charges

75 per Rs. 50,000/-or part thereof

4

Cash Counting & Verification at Customer's premises (Counting Machine provided by Client)

Rs. 0.50 per Rs. 1,000/-

5

Vaulting Charges (If Opted)

Rs. 15000 per Month per location or Re.0.10 per Rs. 1000/- on monthly throughout, which ever is higher.

6

Cash Processing Charges at Radiant Vault

Re.0.30 per Rs. 1000/-

7

Processing of any abnormal ratio of lower denomination of Rs. 50 and below

Rs. 8/- per Rs. 1000/-

8

Vault processed Cash Deposit

Same as On call Delivery rate.

9

CMS Document/ Cheque pickup & Delivery

Rs. 2,200/- per point per month

10

Providing Centralized Fax/ Scan copy of Deposit Slip on daily frequency (if opted)

Rs. 500/- per point per month (Single Deposit Slip)

11

Providing Bank copy of original Deposit Slip to Bank at Centralized Location (if opted)

Rs. 450 per point per month. Frequency of Courier dispatch, will be once in a month.

 Terms & Conditions:

1

Annual Price Hike -All the Fixed and Variable prices will increase by 6% every year effective from first day of every new financial year i.e. 1 April onwards

2

The proposed pricing has been worked out based on present rate of input cost of various key resources i.e. Manpower, Security, Van, Fuel Rent etc. Any upward change in the input cost, in excess of 5% due to any reasons beyond Service Provider control i.e. regulatory changes on wage structure, inflation, Market correction, Fuel price & Taxes, Service Provider will levy below applicable surcharge to pass the impact of additional Cost. Fuel Cost Surcharge & Wages Structure Surcharge.

3

With the recent Supreme Court verdict (31st Oct, 2018) pertaining to rise in Minimum Wages at Delhi location, an additional charge of Rs. 1,500/- per beat point & Rs. 50/- per on Call point, will be levied on the above given pricing grid.

4

Collections of Coins shall be out of scope of services.

5

GST as applicable shall be borne by the Bank.

अग्रिम (मध्‍यम/बड़े कॉर्पोरेट)

Sr. No.

Area of Banking Service

Revised service Charges
(Excluding GST)  w.e.f. 20.06.2019

1

(A) Processing charges for FB & NFB Working Capital Loan

FB & NFB Working Capital

Amount/Status
Up to Rs. 25000: NIL
Above Rs. 25000 (Fresh/review): Rs. 350/Lakh or part thereof
Cap for Priority Sector Rs. 35.00 Lakh
Cap for Exporters Rs. 17.50 Lakh
Other Advances No cap

Same processing charges for FB and NFB facilities as proposed above

(B) Processing charges for DL/TL/DPG/Corp Loan

(Fresh/Additional Limit)
1% of the limit sanctioned
Cap for Exporters: Rs. 50 Lakh
Cap for Priority Sector: Rs. 100 Lakh
Other Advances: No cap

(C) Processing charges for Real Estate Advances  and Future Rent Receivables

Real Estate Advances
2% of the limit without cap

Real Estate Advances under Future Rent Receivables
Scheme (Greater than Rs. 20 Cr)

2% of the limit without cap

(D) Review/Annual Review of short Term loan /DL/Corporate Loan/TL/DPG

(other than Retail Loan & Loan against Future Rent Receivables)
0.10% without Cap

(Above charges will also be applicable for review/rollover of Short Term Loan)

(E) Processing charges for giving agreement in principle in respect of advances account.

Upto Rs. 5 Crore – Nil
Above Rs. 5 Crore to Rs. 10 Crore  – Rs. 25000/-
Above Rs. 10 Crore – Fee of Rs. 2 Lakh to be obtained upfront (non-refundable).                                                                                                   (Other unified charges as applicable to be recovered on sanction)

May be chargeable only when communicated in writing to the borrower

(F) Commitment Charges
(Fund based facilities)

To be charged on the entire unutilized FB limit
AAA & AA rated customers - 0.10% p.a.
A rated customers - 0.20% p.a
BBB rated customers - 0.30% p.a.
BB and below rated customers - 0.40% p.a.

(G) Commitment Charges
(Non-Fund based facilities)

Commitment charges will be levied in case of non-utilization / under utilization of Non Fund based credit facilities with limits of Rs. 1 Crore and above @ 0.25% p.a for the unutilized portion.                                                                                       

Where average utilization is 60% and above of the limit or as indicated in QIS statement, no commitment charges to be recovered separately.

2

Guarantees Commission on inland guarantees

Whenever earmarking in the existing limits is done and /or a “Stand by Credit Assistance” is provided to any borrower to facilitate liquidation of Commercial Paper (CP) issued by that borrower, then a “Credit Enhancement Fee” of 1.00%p.a. on the amount of “Standby Credit Assistance” is to be levied upfront.

Performance Guarantee: 0.20% p.m
Financial Guarantee: 0.25% p.m

(charges to be recovered for the period including claim period, if any, at the time of issue. Part of a month to be treated as a complete month)

Where 100% cash margin (including FDR) is provided 25% of Normal charges as above is applicable.

3

Commission on Inland guarantees guaranteed by other banks / Letter of comfort

In respect of high value guarantees > Rs. 5 cr. the charges may be recovered on an annual basis, at the request of the customer and subject to the branch being confident of recovery at the beginning of each year.

4

Refund for guarantees tendered for cancellation before the expiry date. Extended period of validity of guarantee due to restraints imposed by Court Orders at the instance of constituents from meeting their obligations to beneficiaries, when guarantees are invoked.

REFUND FOR GUARANTEES ON CANCELLATION: 50% of the commission charged for the unexpired period from the original date of issue / date of extension (part of month in unexpired period, to be ignored)

EXTENSION OF GUARANTEE: At the rates mentioned above in sr.no.2 calculated for the extended period (inclusive of claim period).

5

Documentation Charges

(Fund Based only)

For Corporate accounts above Rs. 1 Crore: 0.10% of limit with a maximum of Rs. 25,000/- to be charged in addition to actual expenses incurred.

No documentation charges for LABOD/OD against bank’s own deposits, Loan against NSC, KVP, Govt. Securities & loan to staff members.

Note: When to be charged
New sanctions (Entire fund based limits including DPG, Usance LC an Financial Guarantees) At the time of obtaining the set of documents before disbursement.

Review of a/c with existing limits
No charge if no fresh / additional documents are obtained.

Review with increased limits
For the entire amount of reviewed limit.

Ad-hoc limits - At the time of taking documents for ad-hoc limits.               
Obtaining LAD - No Charges

Other Conditions : a) In respect of fresh sanctions / new accounts branches should invariably recover the charges as above in cash or debiting account. 

For issuance of No Objection Certificate or C.P.: Rs. 10,000/- per occasion (no levy where Bank recovers issuing & paying agent charges as IPA).

6

Charges for carrying out inspection of securities charged to the bank
(for other than retail loans)

Accounts with limits

Upto Rs. 5 Lakh:  Nil
Above Rs. 5 Lakh – Rs. 1  Crore – Rs. 1,000
Above Rs. 1 Crore - Rs. 10 Crore – Rs. 5,000
Above Rs. 10 Crore - Rs. 25,000 per location

In addition to the above actual conveyance and out of pocket exp. reimbursed to be recovered.

*Charges for stock audit of accounts with limits Rs. 1/- crore and above assigned to concurrent auditors /auditors to be recovered on actual basis as per schedule / charges decided by Zonal authorities. 

7

Bills purchased/ Discounted or advances there against –Exchange / Commission

For cheques/ bills
i) a) On instruments drawn on our Branches / other Banks where we have branches : Exchange @ 35paise% . plus Collection charges

b) For instruments drawn on other Banks where we do not have branches: Exchange @77 Paisa % Plus collection charges

Note: The above covers interest for 10 days for (a) & 14 days for (b).

ii) a) On cheques/ bills returned unpaid penal interest
@ 2% +(1 year MCLR + 6.50%) p.a. from 11th/15th day of purchase as the case may be till the date of reimbursement.
b) Overdue interest to be charged @ 2% over the applicable rate (document rate) on cheques/bills from 11th/15th day of the case may be.
NOTES

  1. Usual collection charges as applicable for the respective slab i.e. Section II-1 in case of cheques and Section II-3 in case of supply / purchase bills are to be levied in all cases in addition to interest.
  2. Collecting Banks’ charges, if any, should be recovered in full.
  3. When the bills are tendered for discount under the Bills Rediscounting scheme, besides collecting the discount at the prevailing rates, normal service charges like actual conveyance and actual out of pocket expenses reimbursed etc in sending the bills to SIDBI/IDBI also to be collected.
  4. “Date of actual reimbursement” means:
  5. Where a Bill is sent to our branch, the date on which funds are actually received at the Drawee Centre.
  6. Where Bills are sent to other Banks or where instruments are returned unpaid, the date of reversal of the B.P. entry at the purchasing branch.
  7. Change of original instruction in respect of Bills Purchase discounted – Rs. 50/- per request.

Mentioned rates are also applicable to all segments.
(HO:BR:111:203 dated 29.07.2019)

8

Charges for all inland L/Cs

Unified charges (Commitment + Usance)

Sight LCs and upto 30 days usance: 0.70%
LCs beyond 30 days usance: 0.20% p.m (the period is to be calculated from the date of opening of LC to the last date of its validity + usance period of bill and part of a month should be construed as a completed month)

Commitment Charges: Minimum Rs. 5000/-

Extension /Amendment of LC
Rs. 500/- per amendment plus unified charges applicable as per above for the extended period.

Rs.500 per amendment. In case of enhancement of the value of a Letter of Credit, charges as per above for establishing a Letter of Credit shall be recovered for the additional amount, on the outstanding liability under the LC.

Discrepancy fee: 0.15% Min. Rs. 500/- Max. Rs. 10000/

Revolving Letter of Credit
As above at the time of opening and on each reinstatement on the amount of reinstatement, period of reinstatement and usance period of bill.

Note:
1) Charges are to be recovered when a LC is opened or amended and no refund may be allowed in any circumstances whatsoever, whether a credit is cancelled, is only partly availed of or expired wholly unavailed of.
2) Telex / Fax and cable charges shall be recovered additionally.
3) While issuing a standby LC, service charges equivalent to commission on Financial or Performance Guarantee be recovered, according to the nature of the guarantee provided by the standby LC.

Where 100% cash margin (including FDR) is provided 25% of Normal charges as above is applicable.

9

Other Charges                                                             A) Advising LCs
(only where LC opening Bank and advising Banks are different)

Rs.1,000

 

B) Confirmation of LC (only where LC opening Bank and confirming Bank are different)

No Change
For addition of confirmation, 0.20% p.m. for the period of validity and usance on the amount of LC

 

C) Transferable LCs

For each transfer Rs. 500 (whether in full or part thereof)                             
Where usance drafts are to be accepted, acceptance commission @ 0.10% p.m. to be charged; Min. Rs. 500

 

D) Negotiation charges

Rs. 1,000

 

E) Clean payments received under LC

Rs. 500

 

F) Attestation of commercial invoices

a) At the time of negotiation / collection – Nil
b) Each subsequent occasion – Rs. 100 per invoice

 

G) Guarantees due to discrepancies in documents

For joining in customer’s guarantee or giving guarantees to other banks on behalf of customers, for discrepant documents negotiated under LC

a) if payment is credited to beneficiary’s a/c. – 0.25% with a minimum of Rs. 500
b) if not parted with – Rs. 500

10

Providing Credit opinion (including opinion & introduction)

Rs. 500
$ 100 in respect of foreign banks

11

Other Credit related Areas                                         Allowing interchangeability within fund based limits, within non-fund based facilities and between fund based and non fund based limits.

One time fee of 0.25% of the amount involved subject to maximum of Rs. 25,000/-

12

Issuing of NOC of all types like granting NOC for ceding parri passu charge, exclusive charge, 2nd charge etc. (Not applicable in case of NOC / Exchange of parripassu letter in consortium accounts.)

Rs. 25 lakhs and below - Rs. 1,000
Above Rs. 25 lakhs to Rs. 10 crore - Rs. 10,000
Above Rs. 10 crore - Rs. 20,000

13

Revision of Repayment schedule in respect of TL/DL

No Charges

14

Fee for opening / operating Escrow / TRA A/Cs.  (Trust & Retention A/c.)

Our share in limits:
Upto Rs. 5 cr. – Rs. 1 Lakh
Above Rs. 5 cr and upto Rs. 10 cr. – Rs. 2 Lakh
Above Rs. 10 Cr. – Rs. 5 Lakh

The captioned charges are applicable for opening/ pertaining ESCROW/ TRA A/Cs (Trust & Retention A/C) to be recovered per annum. Periodicity of collection of above fees is annual.

15

(A) Charges for TEV study
(when report is not shared with the customer)

Project cost:

 Up to Rs. 15 Crs.
TEV study by bank – Rs. 1 Lakh
TEV study by Consultant – Consultant fee + Rs. 25000

> Rs. 15 cr and up to Rs. 300 cr - 0.05% of project cost – Min. Rs. 2 Lakh
> Rs. 300 Cr ( Where TEV study is done by PFD)

Fees to be decided on a Case to case basis

 

(B) TEV Study
(When report is shared with the customer)

Project Cost:
Up to Rs. 15 Cr:-
TEV Study by bank- Rs. 3 Lakh
By consultant—Consultant fee + Rs. 25000
>Rs. 15 Cr and up to Rs. 300 Cr.- 0.15% of project cost
>Rs. 300 Cr – TEV Study by PFD- case to case basis.

(Consultant fee ceiling to be fixed by the authority , who approves empanelment of consultants)

 

(C) Vetting / waiver of TEV Reports







Out of pocket expenses for TEV study

Vetting of TEV Reports:
Where project cost > Rs. 300 cr. – Rs. 50000
Waiver of TEV Study:
(Wherever TEV study is waived by the competent authority)

Upto Project cost Rs. 5 cr. – Nil
Above Rs. 5 cr. – Rs. 50000 (charges to be recovered in addition to usual proc. Charges for addl. Risk taken by the Bank)

All “out of pocket expenses” in addition to the TEV study charges are to be borne by the borrowers.

16

Mortgage Creation Charges
(Other than retail and Priority sector)

Per borrowing entity with FB+NFB limits of
Below Rs. 1 .00 Crore - Rs. 5,000/-
Above Rs. 1.00 crore to Rs. 10 Crore - Rs. 15,000/-
Above Rs. 10 Crore - Rs. 25,000/-

The charge specified is applicable per instance irrespective of the number of title deeds.

The charges are applicable for extension of mortgage for enhancement and for substitution of title deeds also.

The charge is applicable for extension of equitable mortgage recorded in favour of other lenders also.

17

Prepayment charges on Term Loan / Demand Loan / Working Capital Demand Loan

At the rate of 2% p.a. on the balance amount of loan and for the residual period of prepayment except Retail Loan including Loan against Future Rent Receivables/Staff Loans.

18

Modification Charges

Present Rate of recovery of modification charges is as under.
Upto Rs. 1.00 Cr - Rs. 5000
Rs. 1.00 to Rs. 10.00cr - Rs. 15000
Above Rs. 10.00 cr - Rs. 25000

Illustrative instances of Modification at the request of the borrower where this charge will be levied :-
(i) Substitution of Collateral
(ii) Release of Personal Guarantee/ Collateral Security
(iii) Interchangeability of limits
(iv)Release/ Substitution of Personal Guarantee/Collateral Security
(iv)Change in Project/ items of machinery
(v)Ceding of charges on Assets
(vi) Rephasement of Loans/ Deferment of Loan instalments
(vii) Approvals for mergers & amalgamations)
(viii) Any other miscellaneous credit related approvals.
(ix)Modification in Rate of Interest

19

Revalidation of Sanction

Working Capital - 25% of the applicable processing charges without Cap
Term Loan - 25% of the applicable upfront charges without Cap

Not applicable for Export Finance.

20

Lead Bank charges as Leader of Consortium on total assessed limits

0.20% of the aggregate of Fund Based and Non Fund Based, subject to a minimum of Rs. 5 lakhs and maximum of Rs. 50 lakhs.

This will be in addition to the processing charges

21

Charges for copy of the documents for submission to any statutory authority

Actual photocopying charges + Rs.1000/-

22

Charges if presence of bank official is required along with the documents for photo copies

Actual photocopying charges + Rs. 2000/- + Out of pocket expenses

23

Charges for cancellation of Bank’s lien on Government Securities / LIC Policies on closure of the Loan

1. Within one month from the date of closure of the loan: at the rate of Rs. 100/- per instrument + Out of pocket expenses
2. After one month from the date of closure of the loan: at the rate of Rs. 200/- per instrument + Out of pocket expenses

अंतिम देखा गया पेज

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