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J&K Grame e n Bank H e ad Of f ice N arwal, N e ar Fruit Co mp le x , Jammu E- ail!

" rame e n# ank $re d iff mail%co m ' N o%& '( )' * + , & '( )) &,

Ref. No: -F.S.C/PD&G/JKGB /13-7551 CIRCU !R N"-20# ! BR!NC$%S / "FFIC%S

Date: 04.07.2013

Dear Sir, Re&: - Re'()e* Se+'(,e C-a+&e) fo+ 'a+(o.) Se+'(,e) /.e.f 04.07.2013 Please refer to Head Office circular No.152 dated 30.03.2009 wherein Ban !ade last re"ision in ser"ice char#es. Since then nu!$er of chan#es occurred in the industr% due to introduction new technolo#% in the $an sector. &arious t%'es of additional ser"ices e.# ()*S, N+,),-n%where Ban has $een introduced for the $enefit of the custo!ers. has has in# in#

-s such, it has $een felt necessar% to re"ise . rationali/e the ser"ice char#es in line with rates 're"ailin# in the !ar et and as 'rescri$ed $% (B0 fro! ti!e to ti!e to 'ro"ide $an in# 'roducts and ser"ices at co!'etiti"e rates to the custo!ers. -ccordin#l% Hon1$le $oard durin# $oard !eetin# held on 21.02.2013 has accorded a''ro"al for re"ision of ser"ice char#es as 'er anne3ure w.e.f 04.05.2013 enclosed therein. Branches are ad"ised to adhere these re"ised ser"ices char#es schedule strictl%. 0t is reiterated that no 'owers are "ested with B6s to allow an% concession in ser"ice char#es and for #i"in# an% concession in ser"ice char#es 'rior 'er!ission of co!'etent authorit% will ha"e to $e o$tained. Branches are ad"ised to 7udiciousl% reco"er the re"ised ser"ice char#es .-n% re"enue lea a#e on account of deficient or non8le"%in# of char#es shall ha"e to $e !ade #ood fro! the errin# officer. 9ours faithfull%, 0G.1.Sa*(23 Ge4e+a5 1a4a&e+

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J&K Grame e n Bank H e ad Of f ice N arwal, N e ar Fruit Co mp le x , Jammu E- ail! " rame e n# ank $re d iff mail%co m ' No %&' () '* + , &' () )& ,

Re'()e* Se+'(,e ,-a+&e) S,-e*.5e /.e.f

04.07.2013

1. Co55e,t(o4 ,-a+&e) )-o.5* 4ot 6e 5e'(e* (4 +e)7e,t of 5o,a5 ,-e2.e & *+aft) 7+e)e4te* t-+o.&- ,5ea+(4&.
-!ount in (s. %8,-a4&e o4 DD9)/ 1: i ;' to (s.5000 ii ,ro! (s.5001.8 < -$o"e -#ainst :ash (s. 15.8 (s. 2.50.8 'er thousand or 'art thereof with a !ini!u! of (s. 30.8 -#ainst )ransfer 15.8 (s. 2.8 'er thousand or 'art thereof with a !ini!u! of (s. 25.8. 6a3i!u! (s.15000.8

2. Pa; o+*e+)/Ba4<e+) ,-e2.e


-#ainst :ash -#ainst )ransfer i ;'to (s.5000 (s. 15.8 15.8 ii ,ro! (s.5001.8 < (s. 1.00.8 'er thousand (s.0.55.8 'er thousand or 'art -$o"e or 'art thereof with a thereof with a !ini!u! of (s. !ini!u! of (s. 30.8 25.8. 6a3i!u! (s.3500.8 :-e a6o'e )e+'(,e) ,-a+&e) a+e e8,5.)('e of Ba4<(4& Se+'(,e) :a8 /-(,- )-a55 6e +e,o'e+e* a) 7e+ t-e +ate a775(,a65e f+o= t(=e to t(=e.

3. %5e,t+o4(, P+o*.,t)
a= 0nward ()*S . N+,) :har#es.+:S transactions8,ree, no char#es to $e le"ied. $= Outward transactions8 i ii R:GS8 (s. 2 lac to 5 lac -$o"e (s. 5 lac (s. 25 'er transaction (s. 50 'er transaction (s. 2.50 (s. 5 .8 (s.15.8 (s. 25.8

N%F: i ;'to (s. 10,000 ii (s10001 to (s. 1 lac iii -$o"e (s. 1 lac u'to (s. 2 lac i" -$o"e (s. 2 lac

)he a$o"e char#es are a''lica$le onl% to transactions ori#inated and 'a%a$le within 0ndia.

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J&K Grame e n Bank H e ad Of f ice N arwal, N e ar Fruit Co mp le x , Jammu E- ail! " rame e n# ank $re d iff mail%co m ' No %&' () '* + , &' () )& ,

4. %5e,t+o4(, Re=(tta4,e I4te+ 6+a4,)ransfer of !one% fro! custo!er account to 3rd 'art% accounts !aintained with non $ase $usiness units irres'ecti"e of the clearin# reason usin# che>ue . de$it authorit% ;' to (s. 1 lac -$o"e (s. 1 lac ,ree (s. 50.8 'er (e!ittance

N":%:(e!ittance a$o"e (s. 50000.8 shall $e effected $% de$it to the account onl%. Postal char#es and out of 'oc et e3'enses should reco"ered on actual $asis. )ransfer of funds on !aturit% of the ter! de'osit as well as 'eriodical interest of the de'osit fro! one $ranch to another $ranch of the $an shall $e allowed -) P-( Dis$urse!ent of loan 'roceeds $% !eans of account 'a%ee PO.DD. other transfers shall $e allowed -) P-( )ransfer of funds fro! collection -ccounts of an or#ani/ation . ,ir! . 0ndi"idual !aintained at one or !ore $ranches of the $an to !ain account !aintained at an% $ranch shall $e allowed -) P-(. Howe"er, Postal char#es and out of 'oc et e3'enses li e tele'hone, fa3 etc should $e reco"ered on actual $asis.

5.
i

Co==())(o4 o4 ,o55e,t(o4 of C-e2.e)/B(55)


0nter $ranch ?within @A*B Branches= ,ree

:ollection of che>ue .DD. Govt che>ues at an% $ranch drawn ;' to (s. 500.8 on other $an s . treasuries at the 'lace of initiatin# $ranch for credit to the account of the (s. 501.8 to (s. 10000.8 $eneficiar% !aintainin# his . her account at other $ranch outside clearin# centre. (s. 10001 .8 to (s. 100000.8 -$o"e 1 lac ii 0nter Ban @A*B to other $an s $e%ond clearin# /one

(s. 20.8 'er 0nstru!ent (s. 50.8 'er 0nstru!ent (s. 100.8 'er 0nstru!ent (s. 150.8 'er 0nstru!ent (s. 20.8 'er 0nstru!ent (s. 50.8 'er 0nstru!ent

;' to (s. 500.8 (s. 501.8 to (s. 10000.8


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J&K Grame e n Bank H e ad Of f ice N arwal, N e ar Fruit Co mp le x , Jammu E- ail! " rame e n# ank $re d iff mail%co m ' No %&' () '* + , &' () )& ,

(s. 10001 .8 to (s. 100000.8 -$o"e 1 lac

(s. 100.8 'er 0nstru!ent (s. 150.8 'er 0nstru!ent

:-e a6o'e )e+'(,e) ,-a+&e) a+e e8,5.)('e of Ba4<(4& Se+'(,e) :a8 /-(,- )-a55 6e +e,o'e+e* a) 7e+ t-e +ate a775(,a65e f+o= t(=e to t(=e.

>. !4;/-e+e Ba4<(4& / I4t+a CBS 6+a4,- )e+'(,e C-a+&e)


-. D+POS0) O, :-SH De'osit of cash at initiatin# $ranch for creditin# to account at $ranch with in @<A state li!it (s.50000.8 'er re!ittance De'osit of Boan install!ent of an% a!ount "ia cash . che>ue at initiatin# $ranch for credit of de!and loan account with our $an $ranch with in @<A state. B. C0)H D(-C-B O, :-SH :ash 'a%!ent to drawer at non $ase $ranch u' to (s. 2.00 la h 'er che>ue :ash 'a%!ent to 3rd 'art% u' to (s. 0.50 la h 'er che>ue )(-NS,+( O, 6ON+9 )ransfer of !one% fro! custo!er account to his de!and loan account for de'osit of loan install!ent )ransfer of !one% fro! custo!er account to third 'art% accounts !aintained with Non $ase $ranch usin# che>ue or De$it -uthorit% . 0= ;'to (s. 1.00 la h 00= -$o"e (s. 1.00 la h (s. 1.00 'er 1000.8 su$7ect to !ini!u! of (s.20.8 ,ree of cost

,ree of cost ,ree of cost

:.

,ree of cost

,ree (s. 50.00 'er re!ittance

:-e a6o'e )e+'(,e) ,-a+&e) a+e e8,5.)('e of Ba4<(4& Se+'(,e) :a8 /-(,- )-a55 6e +e,o'e+e* a) 7e+ t-e +ate a775(,a65e f+o= t(=e to t(=e. i. Branches are re>uired to char#e co!!ission on $ills. che>ue. ii. No +3chan#e shall $e le"ied while re!ittin# 'roceeds throu#h de!and draft . 'a%!ent order of inward $ill . che>ue.

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J&K Grame e n Bank H e ad Of f ice N arwal, N e ar Fruit Co mp le x , Jammu E- ail! " rame e n# ank $re d iff mail%co m ' No %&' () '* + , &' () )& ,

7. C-e2.e Boo< C-a+&e)


:har#es F+ee C-e2.e 5ea'e) 7e+ ;ea+ 1 Sa"in# Ban -ccount ? -ll "ariants= 2 :urrent -ccount Bo++o/a5 !,,o.4t) 1 Cith Bi!its u' to 10.00 la hs 2 Cith Bi!its a$o"e 10.00 la hs 2 .8 'er che>ue leaf 50 50 50 100

#. B(55 / C-e2.e Ret.+4 C-a+&e)


a= 0nward clearin# che>ue (eturn char#es Outward clearin# :he>ue (eturn char#es S.B -.: D 30.8 :D.::.SOD -.:SD 50.8 S.B -.: D 20.8 :D.::.SOD -.:SD 30.8 Handlin# char#es of 50E of the 'rescri$ed collection char#es 6ini!u! D8 25.8 S.B -.: D 30.8 :D.::.SOD -.:SD 50.8

Outward :he>ue (eturn char#es? Outstation=

0nward :he>ue (eturn char#es? Outstation

NoteD8 1. Po)ta5 C-a+&e) a4* o.t of 7o,<et e87e4)e) 5(<e te5e7-o4e? fa8 et, )-o.5* 6e +e,o'e+e* o4 a,t.a5 6a)() (4 ,a)e of 6(55). $o/e'e+? 4o a**(t(o4a5 ,-a+&e) ).,a) ,o.+(e+ ,-a+&e)? o.t of 7o,<et e87e4)e)? et, )-a55 6e 5e'(e* f+o= t-e ,.)to=e+) fo+ ,o55e,t(o4 of ,-e2.e). 2. Co55e,t(o4 ,-a+&e) )-o.5* 4ot 6e 5e'(e* (4 +e)7e,t of 5o,a5 ,-e2.e) a4* *+aft) 7+e)e4te* t-+o.&- 5o,a5 ,5ea+(4&.? 3. I4 ,a)e ,-e2.e () +et.+4e* fo+ +ea)o4) 1.S(&4at.+e) 4ot ),a44e* 2. C-e2.e Boo< N.=6e+ 4ot e4te+e* 3.!,,o.4t N.=6e+ of t-e *+a/e+ 4ot =e4t(o4e*. No ,-e2.e +et.+4 ,-a+&e) )-a55 6e 5e'(e*.

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J&K Grame e n Bank H e ad Of f ice N arwal, N e ar Fruit Co mp le x , Jammu E- ail! " rame e n# ank $re d iff mail%co m ' No %&' () '* + , &' () )& ,

@. Re'a5(*at(o4? Ca4,e55at(o4 a4* I)).e of D.75(,ate DD/P"


i (e"alidation of 0nstru!ent ii :ancellation of 0nstru!ent iii 0ssue of Du'licate 0nstru!ent Sto' Pa%!ent 0nstructions ? Per 0nstru!ent = (s. 20.8 ? ,or *o"t. De'art!ent . uni"ersities facilit% at 'ar= (s. 30.8 (s. 40.8 S.B -.: D 25.8 'er instru!ent 6a3.D 100.8 :D.::.SOD -.:SD 50.8 'er instru!ent 6a3. D200.8 10 'er folio D 6a3 D250.8 ?,olio consist 40 transactions = 30.8 ,ree 2.00 'er leaf. ,irst 50 che>ues lea"es free 'er %ear for Sa"in# -ccount. ,ree 10.8 'er leaf for SB -.: 20.8 'er leaf for :D -.: 10.8 'er instru!ent ;' to 1000.8 -$o"e 1000.8 D ,ree

i" Du'licate State!ent

" Du'licate Pass$oo s of SB.:D.(etail loan accounts "i Standin# 0nstructions "ii 0ssuance of 60:( :he>ues "iii 0ssuance of Non 60:( che>ues i3 0ssuance of loose che>ues 3 0ssuance of call De'osit (ecei't

10. e*&e+ fo5(o .)e* (4 ,.++e4t *e7o)(t? ,a)- C+e*(t


0 Per annu! led#er folio containin# 40 (s. 40.8 'er ,olio 'er annu! entries 00 Balance in the accounts i ;' to (s. 25000 (s. 40.8 'er ,olio 'er annu! ii (s. 25001 to 2.00 lac (s. 30.8 'er ,olio 'er annu! iii -$o"e (s. 2.00 lac (s. 20.8 'er ,olio 'er annu! a= (s. 100.8 'er account shall $e le"ied if the current account holder doesn1t !aintain !ini!u! a"era#e >uarterl% $alance of (s. 1000.8. $= No folio char#es $e le"ied in current account, if a custo!er !aintains a"era#e !ini!u! $alance of (s. 10, 000.8 >uarterl%.

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J&K Grame e n Bank H e ad Of f ice N arwal, N e ar Fruit Co mp le x , Jammu E- ail! " rame e n# ank $re d iff mail%co m ' No %&' () '* + , &' () )& ,

11. Re4t "f Safe De7o)(t o,<e+)D 8


;r$an Se!i ;r$an.(ural (s.550.8 (s. 500.8 1. :-e a6o'e )e+'(,e) ,-a+&e) a+e e8,5.)('e of Ba4<(4& Se+'(,e) :a8 /-(,- )-a55 6e +e,o'e+e* a) 7e+ t-e +ate a775(,a65e f+o= t(=e to t(=e. 2. 50 E concession for $an staff < +38+!'lo%ee of @A*B with de'osit account. ?)he lessees to $e insisted u'on securit% de'osit which is sufficient to co"er the annual rent char#es=

12. Ge4e+a5 1(),e55a4eo.) Se+'(,e C-a+&e)


i :losure of -ccount D Sa"in# -ccount 1. 55.8 :urrent -ccount 2. 150.8 N":% : No C-a+&e) )-a55 6e 5e'(e* (4 ,a)e a,,o.4t () ,5o)e* "/(4& to t-e *eat- of t-e a,,o.4t -o5*e+ ii -ddition . deletion of na!es in @oint accounts . ,ree chan#es in o'erational instructions iii -ddition of no!ination not 're"iousl% done ,ree i" -llowin# o'eration in account throu#h Power of -ttorne% . 6andate holder " :han#e of -uthori/ed Si#nator% includin# reconstitution of account "i ,or Sa"in# Ban account cash withdrawals either $% che>ue or otherwise e3ceedin# 50 'er half %ear "ii Boss of co!'lete che>ue $oo and surrender of unused che>ue lea"es ? a$o"e 50E of unused lea"es= Sa"in# Ban -.: :urrent . O"erdraft. :ash credit "iii 0ssue of :ertificates No O$7ection . No dues . Balance certificate . :he>ue honoured . -ccount 6aintainin# . etc ? with res'ect to other $an s= No dues certificate to *o"t. s'onsored credit Sche!es i3 NO Dues . No o$7ection certificate with res'ect to our own Branches 3 0ssuance of )DS certificate 3i 0ssuance of Du'licate De'osit (ecei't 3ii Sol"enc% :ertificates Non :o!!ercial . :o!!ercial ?Branch 6ana#er is authori/ed to issue the Sol"enc% :ertificate= 3iii Photo attestation char#es 3i" Si#nature &erification
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100.8 'er -ccount 50.8 for e"er% chan#e 10.8 'er withdrawal ?+3ceedin# 50 'er half %ear=

50 .8 100 .8

30.8 ,ree ,ree ,ree 20.8 ;' to 20.00 lacs F 200.8 -$o"e 20.00 lacs to 50.00 lacs F 1000 -$o"e 50.00 lacs F 2000.8 30.8 30.8

J&K Grame e n Bank H e ad Of f ice N arwal, N e ar Fruit Co mp le x , Jammu E- ail! " rame e n# ank $re d iff mail%co m ' No %&' () '* + , &' () )& ,

13. Re5a8at(o4 to :+a*e a4* I4*.)t+; (4 J&K State 0.7 to 31)t 1a+,-? 20133
1 2 (e!ittances ? Pa'er $ased onl%= DDs, Pos, ))s etc :ollection of outstation $ills 25E concession on nor!al char#es. 6ini!u! D 15.8 6a3i!u! D 11250.8 50E concession on nor!al char#es. 6ini!u! D 30.8 6a3i!u! D 5000.8

14. Pe4a5 C-a+&e) fo+ !,,o.4t) -a'(4& 6a5a4,e) 6e5o/ t-e 7+e),+(6e* 5(=(t) fo+ ,o=7.te+(Ae* 6a5a4,e)
i SB accounts without :he>ue $oo facilit% ? 6ini!u! -"era#e Guarterl% $alanceD (s. 500.8= ii SB accounts with che>ue $oo facilit% ? 6ini!u! -"era#e Guarterl% $alanceD (s.1500.8= (s. 100.8 'er Gtr for non !aintenance of -GB (s.200.8 'er Gtr if -GB is less than (s.500.8 (s.100.8 'er Gtr if -GB is $etween (s. 501 to (s.1499.8 ? :har#es for non !aintenance thereof 'er Gtr= Nil Nil

iii No ,rill . Social welfare accounts i" 6*N(+*Co4,e))(o4) 1. 2. 3. 4.

-t 'ar collection of Pension. ter!inal dues of Defence 'ersonal. Defence unit !aintainin# account with the $ranches shall $e allowed collection at 'ar. No ser"ice char#es $e le"ied on collection of che>ue of D(D-.BDOs. )he collection of che>ue re'resentin# 'a%!ent of di"idend warrants, !aturit% 'roceeds of 0nsurance 'olicies .$onds . de'osit instru!ents . 'ostal certificate in the na!e of e!'lo%ee . e38 e!'lo%ee of @A*B or his de'endent fa!il% !e!$ers shall $e allowed Hat Par1 .

?Howe"er the a$o"e concessions are su$7ect to (eco"er% of 'osta#e . out of 'oc et e3'enses under rule.= B(-N:H+S SHO;BD B+&9 B-NA0N* S+(&0:+ )-I J 10.40E -) P(+S+N) ON S;:H S+(&0:+ :H-(*+S -S P+( 0NS)(;:)0ONS 0SS;+D B9 H+-D O,,0:+ ,(O6 )06+ )O )06+ O&+( -ND -BO&+ P(+S:(0B+D +I:H-N*+ . :O660SS0ON . BO:A+( (+N). B(-N:H 0S ,;()H+( -D&0S+D )O S+ND -D&0:+ O, B-NA0N* S+(&0:+ )-I -BON* C0)H )H+ S)-)+6+N) ON P(+S:0B+D ,O(6-) )O B(-N:H :H-NN0 H066-) C0)H0N - C++A1S )06+ -) )H+ +ND O, +-:H G;-()+( .

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J&K Grame e n Bank H e ad Of f ice N arwal, N e ar Fruit Co mp le x , Jammu E- ail! " rame e n# ank $re d iff mail%co m ' No %&' () '* + , &' () )& ,

PR"C%SSING C$!RG%S F"R "!NS & !DB!NC%S


C of oa4/ (=(t !=o.4t

S.No. Na=e of t-e S,-e=e 1 !&+(,.5t.+e/ $o+t(,.5t.+e a3!&+(,.5t.+e/ $o+t(,.5t.+e-- S:-S!" 0C+o7 5oa4/ KCC3 .7to R)3.00 a,) 63!&+(,.5t.+e/ $o+t(,.5t.+e-- S:-S!" 0C+o7 5oa4/ KCC3 a6o'e R)3.00 a,) 2 S,-e=e fo+ P+o*.,t(o4-,.=-=a+<et(4& of f+.(t0!775e S,-e=e3 a3U7to R) 3.00 5a, 63!6o'e R) 3.00 5a, 3 !&+(,.5t.+e - :e+= 5oa4 S,-e=e 4 :e+= oa4 fo+ !&+(,.5t.+e/ $o+t(,.5t.+e a3 P.=7)et/ Po/e+ S7+a;e+) 63 Fa+= 1e,-a4(Aat(o4 S,-e=e 0:+a,to+ F(4a4,(4&3 ,3 Po/e+ :(55e+ S,-e=e *3 S,-e=e fo+ f(4a4,(4& of S-a55o/ :.6e De55) 5 :e+= oa4 fo+ !55(e* to !&+(,.5t.+e 0a55 ),-e=e)3 (4,5.*(4& S7o4)o+e* S,-e=e) > DaA/a4 S,-e=e 7 Ge4e+a5 C+e*(t Ca+* 0GCC3 # S/a+oA&a+ C+e*(t Ca+*0SCC3 @ Dea'e+ C+e*(t Ca+* 0DCC3 a4* !+t()a4 C+e*(t Ca+* 0 !CC3 a3U7to R) 25000 63!6o'e R) 25000 10 !+t()a4)/ SSI/ B(55a&e I4*.)t+; 0:e+= oa4? C.C. (=(t & Co=7o)(te oa43 11 Co==e+,(a5 Be-(,5e F(4a4,e S,-e=e 12 oa4) fo+ S,-oo5 B.)e) 13 1a,-(4e F(4a4,e fo+ I4f+a)t+.,t.+e P.+7o)e) 14 S=a55 B.)(4e))/ "t-e+ Se+'(,e) %4te+7+()e) 0:e+= oa4? C.C. (=(t & Co=7o)(te oa43 15 P+ofe))(o4a5 & Se5f %=75o;e* 0:e+= oa4? C.C. (=(t & Co=7o)(te oa43 1> Reta(5 :+a*e 0:e+= oa4? C.C. (=(t & Co=7o)(te oa43 17 P1%GP? J&K Se5f %=75o;=e4t S,-e=e & a55 ot-e+ )7o4)o+e* ),-e=e) 1# GIRI F(4a4,e S,-e=e 1@ Se5f $e57 G+o.7) 0S$G3
Page 9 of 11

0.00 0.25

0.00 0.25 0.25 0.25 0.50 0.50 0.25 0.25 0.25 0.00 0.00

0.00 0.25 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.25 0.50 0.00

J&K Grame e n Bank H e ad Of f ice N arwal, N e ar Fruit Co mp le x , Jammu E- ail! " rame e n# ank $re d iff mail%co m ' No %&' () '* + , &' () )& ,

20 Jo(4t (a6(5(t; G+o.70J G3 21 %*.,at(o4 oa4) a3 .7to 5oa4 a=o.4t of R). 4.50 5a,) 63 a6o'e R). 4.50 5a,) 0fo+ )t.*(e) (4 I4*(a3 ,3 a6o'e R). 4.50 5a,) 0 fo+ )t.*(e) (4 a6+oa*3 22 $o.)(4& oa4 to P.65(, 23 So5a+ P-oto Bo5ta(, S;)te=) 0 (&-t(4&3 24 So5a+ Date+ $eat(4& S;)te= 25 oa4 S,-e=e fo+ Sto4e C-()e5(4& & Sto4e Ca+'(4& 2> G+a=ee4 B-a4*a+a4 EoFa4a-CISS fo+ Co4)t+.,t(o4/ Re4o'at(o4 of R.+a5 Go*o/4) 27 N!B!RD Da+e-o.)(4& S,-e=e 201112/P+o'()(o4 of +ef(4a4,e 2# 1(,+o C+e*(t S,-e=e) a3 F+.(t/ Be&eta65e) S-o7) o4 Re-+( 63 Ba4&5e)/ Bea.t; Ite=) Sto+e) fo+ R.+a5 Do=e4 ,3 S,-e=e fo+ &e4e+a5 7.65(, fo+ ,.tt(4& a4* ta(5o+(4& U4(t 0:/o Se/(4& 1a,-(4e)3 :a(5o+(4& S-o7 *3 S,-e=e) fo+ F(4a4,(4& PG Co44e,t(o4 fo+ /o=e4 6e4ef(,(a+(e) (4 +.+a5 a+ea) e3 S,-e=e fo+ Co4)t+.,t(o4 of o/ Co)t Sa4(tat(o4 0 a'ato+; a4*/ o+ Bat-+oo=)3 fa,(5(t(e) (4 R.+a5 !+ea) f3 S,-e=e fo+ F(4a4,(4& of I45a4* F()-e+(e) De'e5o7=e4t &3 1(,+o C+e*(t S,-e=e fo+ Ba+6e+)

0.00 0.00 0.25 0.50 0.25 0.25 0.25 0.25 0.25 0.50 0.00 0.25 0.00 0.00

0.00 0.25 0.00

Page 10 of 11

J&K Grame e n Bank H e ad Of f ice N arwal, N e ar Fruit Co mp le x , Jammu E- ail! " rame e n# ank $re d iff mail%co m ' No %&' () '* + , &' () )& ,

PR"C%SSING C$!RG%S F"R "!NS & !DB!NC%S


S.No. 1 2 3 4 5 > 7 # @ 10 11 12 13 14 Na=e of t-e S,-e=e oa4) !&a(4)t B"D)/ IC)/NSC) Pe+)o4a5 oa4 S,-e=e fo+ Ge4e+a5 P.65(, Pe+)o4a5 oa4 S,-e=e fo+ Pe4)(o4e+) Co4).=e+ oa4) Ca+ oa4 S,-e=e fo+ Ge4e+a5 P.65(, Co4).=7t(o4 5oa4 fo+ P+ofe))(o4a5 & B.)(4e))=e4 1o+t&a&e oa4 1o+t&a&e oa4 fo+ :+a*e & Se+'(,e) oa4 S,-e=e fo+ De'e5o7=e4t of Rea5 %)tate) Se,.+e* "'e+*+aft) Co4t+a,to+ F(4a4,e S,-e=e oa4 S,-e=e) fo+ Sto4e C+.)-e+) P+o,e))(4& Fee o4 Ba4< G.a+a4tee 0No4 F.4* B.)(4e))3 Co==())(o4 o4 Ba4< G.a+a4tee 0No4 F.4* B.)(4e))3 a3!&a(4)t 100C ,a)- =a+&(4 0:e+= De7o)(t 1a+&(43 C of oa4 !=o.4t 0.00 0.50 0.25 0.50 0.50 0.50 0.50 0.50 0.50 0.00 0.50 0.50 0.50C of B.G. a=o.4t

63 !t e))e+ =a+&(4

R).100G 0.15C of BG a=o.4t 7e+ 2.a+te+ o+ 7a+t t-e+eof 0(.e. 0.>0C P.! of BG !=o.4t3 R).100G 0.75C of BG a=o.4t 7e+ 2.a+te+ o+ 7a+t t-e+eof 0(.e. 3.00C P.! of BG !=o.4t3

P+o,e))(4& C-a+&e) o4 Re4e/a5 of F.4* & No4 F.4* 6a)e* Fa,(5(t(e) (3 Ca)- C+e*(t (=(t 0! !CC"UN:S3 0.10C of t-e 5(=(t a=o.4t H 01a8(=.= .7to 1.50 5a,) 3

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