Note:- The Revised Service Charges are effective w.e..

f 1st November,2013

Sr. No.
1 2 3 4 5 6 7 8 9 10 11 11A 11B 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Safe Deposit Lockers Annual Charges Safe custody charges Safe deposit articles

Description

Page NO. 3 4 4 4 7 8 10 11 11 11 12 13 13 14 14 14 15 15 16 16 16 16 16 17 17 17 17 17 18 19

BASIC SERVICE CHARGES RELATING TO DEPOSIT ACCOUNTS (ALL SEGMENTS) Remittance & Collection Facility Debit Card Related Charges ELECTRONIC TRANSFER CHARGES/ECS (ALL SEGMENT) NEFT RTGS Customer Transactions (R-41) RTGS Inter-Bank Transactions (R-42) SWIFT CHARGE CONCESSIONS IN SERVICE CHARGES INDIVIDUALS IN RURAL AREAS,PENSIONERS AND SENIOR CITIZANS Service charges concession to defence persons PERSONAL SEGMENT ADVANCE RELATED SERVICE CHARGES (Home Loan Processing Fee) Processing Charges for Auto Loans Processing Charges for other P Segment Loans ADVANCES RELATED SERVICE CHARGES (OTHER THAN P SEGMENT) Upfront fee Project Appraisal Fee Lead Bank Fees Revalidation of Sanctions Pre-Payment Charges(other than P. Segment) Allocation of limits Equitable Mortgage(SME & C&I only) Commercial Paper Commitment Charges Working Capital (WC) Term Loans Inspections Charges
Documentation Charges For Large Corporates

Inland BGs 1

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 Letters of Comfort (LOC) Exercise of Swing Option Inland LCs Bills (Demand) RECOVERY OF SERVICE CHARGES FOR SERVICES OTHER THAN SANCTION OF CREDIT FACILITIES APPLICATION OF PENAL INTEREST SERVICE CHARGES FOR PROVIDING CREDIT INFORMATION REPORTS UNDER CREDIT INFORMATION COMPANIES GOVERNMENT BANKING: CHARGES FOR e-FREIGHT FACILITY TO CUSTOMERS FOREIGN EXCHANGE RELATED SERVICE CHARGES (A. Exports Related Transactions) For establishing L/Cs/Guarantees on deferred payment terms covering import of goods Extending validity Period of LCs/ Guarantees on deferred payment terms covering Import of Goods Commission on Import Bills(under LCs) Commission on import bills (not under LC) If the overseas remitting bank or the exporter abroad requests proceeds of collection bills to be remitted in a currency other than the currency of the bill. Parcels INWARD REMITTANCES OUTWARD REMITTANCES( foreign currency) Guarantees Miscellaneous ISSUANCE OF RATE CERTIFICATES ISSUANCE OF IMPORT LETTER OF CREDIT AGAINST 100% OR MORE CASH MARGIN ISSUANCE OF BANK GUARANTEES AGAINST 100% OR MORE CASH MARGIN AND ALSO AGAINST COUNTER GUARANTEE OF GOVERNMENT OF INDIA (GOI) Discretionary powers to reduce the service charges on forex transactions Refund of Commission for Unexpired Period of Foreign Bank Guarantee(s) (FBG) Discretionary Power regarding Concession in Advance related Service charges & Penal Interest Note:-1.Postal Charges-Ordinary Rs.15/-,Regd/Speed post/courier Rs.36/2.Out of pocket expenses such as/Telex/cable/correspondent banks charges-Actual to be recovered. 3.Remittance Charges-Equal to Demand draft /Banker cheque issue charges.

19 19 19 22 22 23 24 24 25 29 30 30 31 31 31 31 32 34 36 36 37 37 38 38 39

Note:- The Revised Service Charges are effective w.e..f 1st November,2013

STATE BANK OF PATIALA MASTER CIRCULAR ON SERVICE CHARGES (Inclusive of ServiceTax@12.36% ) 1.

Safe Deposit Lockers Annual Charges Locker Existing Charges Revised Charges

1.1

SMALL Size A 125 X 175 x 492 Size B 159 X 210 X 492

Metro & Urban Centres: Rs.1000 Semi-urban & Rural : Rs.750/-

Metro & Urban Centres: Rs.1019/Semi-urban &Rural Rs.764/-

Manually

1.2

MEDIUM Size C 125 X 352 X 492 Size D 189 X 263 X 492 Size E 159 X 423 X 492 Size H1 325 X 210 X 492 LARGE Size F 278 X 352 X 492 Size G 189 X 529 X 492 Size H 325 X 423 X 492

Metro & Urban Centres: Rs.2500 Semi-urban & Rural : Rs.1500/-

Metro & Urban Centres: Rs.2547/Semi-urban & Rural Rs.1528/-

Manually

1.3

Metro & Urban Centres: Rs.3000 Semi-urban & Rural : Rs.2500/-

Metro & Urban Centres: Rs.3056/Semi-urban & Rural Rs.2547/-

Manually

1.4

EXTRA LARGE Size L 404 X 529 X 492 Size L1 385 X 529 X 492

Metro & Urban Centres: Rs.5000 Semi-urban & Rural : Rs.4000/-

Metro & Urban Centres: Rs.5093/Semi-urban & Rural Rs.4075/-

Manually

1.In case of loss of key of the lockers, a service charge of Rs.509/- has to be recovered from hirer in addition to the actual expenditure incurred in breaking open the locker and changing of key by manufacturer of lockers. 2.One Time Locker Registration Charges:- Rs.509/3.No. of Locker visits per year: 12 visits free: thereafter Rs.51/- per visit to be recovered manually. 4.Locker Rent Overdue Charges: 1st Quarter 2nd Quarter 3rd Quarter 1yr 10% of annual rent 25% of annual rent 40% of annual rent 50% of annual rent

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 2
Safe custody charges a) Scrips (for each scrip) b) Sealed cover (for each cover) c) Banks own deposit receipt Existing Charges Rs.100/- per script Min. Rs.200/- p.a. or part thereof Rs.200/- per cover p.a. or part thereof NIl Existing Charges Rs.500/- one time charges Rs.100/-per envelope p.a. Rs.500/- per Packet p.a. Rs.1000/- per Large packet/box p.a. Subject to max. total dimension (i.e. length+ width +height) should not exceed 100 c.m. If exceed 100 c.m. Rs.20 per cm. (subject to availability of space) Existing Charges Revised Charges a) Rs.102/- per scrip. Min. Rs.204/- p.a. or part thereof b) Rs.204/- per cover p.a. or part thereof. c) Nil Revised Charges Rs.509/- one time charges Envelop - Rs.102/- p.a. Packet: Rs.509/- p.a. Large packet / Box Rs.1019 p.a. (100 cmmax) Beyond that Rs.20/- per. cm.

Manually Manually N.A Manually Manually Manually Manually

Safe deposit articles

4. 4.1

BASIC SERVICE CHARGES RELATING TO DEPOSIT ACCOUNTS (ALL SEGMENTS) Issue of MICR cheque SB (Only Multicity/CTS2010 standard cheques will be issued

Revised Charges

Rs.3.00 per cheque leaf

Rs.2.00 per cheque leaf. First 50 leaves Multicity Cheque book free Emergency Cheque request (10 leaves set):Rs.2/-per leaves.

System Manually System Manually System

4.2

Issue of MICR cheque CA/CC(Only Multicity/CTS-2010 standard cheques will be issued Quarterly Average Balance (QAB)-Non maintenance charges- Current Account (All Segments) Quarterly Average Balance Non Maintenance charges- Savings Bank account

Rs.3.00 per cheque leaf

Rs.2.00 per cheque leaf. First 100 leaves Multicity Cheque book free. Emergency Cheque request (10 leaves set): Rs.2/- per leaves Rs.611/- per quarter ( all segment) All segment -NIL

4.3 4.4

Rs.1000/- per qtr. All segment -NIL

N.A

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 4.5 4.6
NIL With latest Balance Rs.100/- additional Rs.100/- per folio (40 entries) for additional previous entries Nil -Rs.102/- with latest balance, additional -Rs.102/- per 40 entries, for previous entries. Monthly Statement of Current Account/CC Account- NIL Rs. 51/- per instrument up to 3 leaves. Range of Cheques Rs.204/Nil Within 14 days:- NIL Beyond 14 days-upto 6 months: Rs.255/(individual),Rs. 1019/-(Company) After 6 months but before 12 months: Rs.153/-(Individual), Rs.509/-(NonIndividual) Rs.102/-(inclusive of postal charges). -Cheque upto Rs.1.00 lacs: Rs.102/-+Out of pocket expenses, if any. -Cheque above Rs.1.00 lacs: Rs.204/-+ Out of pocket expenses, if any. Rs. 76/+ Other Banks charges ( No charges will be recover, where the customer is not at fault)
If PDC for loan repayment is returned unpaid, a penalty of Rs.281/- per cheque will be recovered in addition to the penal interest.

Issue of Pass book Duplicate Pass book/Statement(Saving Bank Account, Current Account & Cash credit Account)

N.A System

4.7 4.8 4.9

Stop payment instructions Balance enquiry Account closure:

Rs.50/- per instrument up to 3 leaves Nil A/c closure upto 6 months A/c closure after 6 months but before 12 months Individual Rs.250/Companies Rs.1000/Individual Rs.150/Companies Rs.500/-

System N.A Manually

4.10 4.11

Transfer of Account( SB/CA) Cheque returned charges (for insufficient fund only) Cheques drawn on us. (Local /Outstation) (Outward & Inward clearing Cheque return charges- cheque drawn on us (for technical reason, other than link/system/ power failure) Cheque Returning charges of Post Dated Cheque (PDC) Cheque/bills deposited with us:-returned unpaid by other banks (Local/Outstation)

4.12

Rs.100 per occasion (inclusive of postal charges) -For Cheques upto Rs.1,00,000/-, Rs.100/+out of pocket expenses if any -For cheques above Rs.1,00,000/-, Rs.200/- + out of pocket expenses if any Rs.75/- + other bank charges if any

Manually System

Manually

4.13

If PDC for loan repayment is returned unpaid, a penalty of Rs.250/- per cheque will be recovered in addition to the penal interest.

Manually

4.14

For Cheques upto Rs.1,00,000/-, Rs.100/+ out of pocket expenses if any For Cheques above Rs.1,00,000/-, Rs.200/- + out of pocket expenses if any

-Cheque/bill upto Rs.1.00 lacs: Rs.102/-+Out of pocket expenses, if any. -Cheque /bill above Rs.1.00 lacs: Rs.204/-+ Out of pocket expenses, if any.

System

Note:- The Revised Service Charges are effective w.e..f 1st November,2013
Cheque returned charges. (for technical reasons) Rs.75/- + other bank charges if any

4.15 4.16 4.17 4.18 4.19 4.20 4.21 4.22 4.23

Signature verification Balance Certificate Interest Certificate No dues certificate Presentation of Usance Bills Photo Attestation charges Recordcopy of the cheque Enquiries relating to old records. (more than 12 months) Solvency certificate

Rs.100/- per instance Rs.100/- per instance First Free Extra copy Rs.100/- per certificate Priority sector No charges Rs.100/- per instance Rs.100 per instance Rs.100/Rs.100/- per instance Rs.100/- per item

Rs.102/- per instance. Rs.102/- per instance. Rs.102/- per instance. Priority sector No charges. Others Rs.102/- per certificate Rs.102/- per instance. Rs.102/- per instance. Rs.102/- per instance. Rs.102/- per item Non-Commercial:- Rs.306/Commercial:- Rs.255/- per lacs, Min. Rs.1019/-Max. Rs.15280/Ordinary: Rs.15/Regd/Speed post/courier: Rs.36/Rs.25/ Rs.25/ Nil Upto one bundle( 1000 pieces) : NIL More than one bundle: Rs.102/- per bundle, max. Rs.10187/Rs.509/-

Manually Manually Manually Manually Manually Manually Manually Manually Manually

Non-Commercial :Rs.300/Commercial:- Rs.250/- per lac

Min. Rs.1000/- Max. Rs.15000/-

4.24 4.25 4.26 4.27 4.28

Postal charges Failed S.I. Failed EMI charges Issue of Deposit at Call receipt(payable at branch) Cash Handling charges for CA/CC account (other than P. Seg. customer) Allowing operations through Power of Attornerny/ Mandate Inoperative account

Ordinary Rs.15/Regd / Speed post/courier:Rs.35/Rs.25/ Rs.25/ Nil Rs.100/- per bundle Max. 10,000/-(upto one bundle:-NIL) Rs.500/- per annum No service charges if stipulated minimum balance requirement is complied with in the A/c. Otherwise charges applicable for

Manually Manually Manually N.A Manually

4.29 4.30

Manually Manually

SB a/c - NIL C A/c: Linked to AQB

Note:- The Revised Service Charges are effective w.e..f 1st November,2013
non-maintenance of minimum balance. If the amount is less than the applicable charges then the account to be closed and advised to the customer. Rs.5/- per entry (For entries over 30 per year) (Other than SBP alternate channel transactions)

4.31

Charges for excess debit entries in SB

Rs.5/- per entry. (For entries over 30 per year)(Other than alternate channel/ATM txn. Other than SBP ATMs).

System

4.32 4.33 5. 5.1

Setting up of Standing Instruction (SI) including SI for other than Bank transfer Processing of SI (other than Bank transfers) Remittance & Collection Facility
Issue of Demand Draft/ Bankers Cheque

Rs.50/Rs.25/- + remittance charges+ postage

Rs.51/-

System

System Rs.25/-+ remittance charges + postage (Remittance & Postage charge Manually) Upto 5,000/Above Rs.5,000/-upto Rs.10,000/Rs.10/Rs.41/System

Upto 5,000/-

Rs.25/-

Above Rs.5,000/-upto Rs.10,000/- Rs.40/Above Rs.10,000/- upto Rs.1.00 lacs: Rs.3/- per 1000/- or part thereof, Min Rs.50/-

Above Rs.10,000/- upto Rs.1.00 lacs: Rs.3/per 1000/- or part thereof, Min Rs.51/Above Rs.1.00 lac: Rs.3/- per 1000/-or Part thereof. Min. Rs.306/-and Max. Rs.12733/For remittances by cash deposit, cash handling charges will be extra or Rs.10/- per draft, whichever is higher Rs.102/Rs.102/- per draft Upto Rs.5,000/Rs.51/- +$ Above Rs.5,000/- upto Rs.10,000/Rs.76/- +$ Above Rs.10,000/Rs. 6/- per Manually

Above Rs.1,00,000/-Rs.2.50 per Rs.1000/- or part thereof

In addition to above charges, cash handling charges or Rs.10 per draft whichever is higher.

5.2 5.3 5.4

Revalidation/cancellation drafts/ Bankers cheque Issuance of duplicate demand draft/Bankers cheque Collection of Bills

Rs.100/- per instrument Rs.100/- per instrument Upto Rs.5,000/Rs.50/Above Rs.5,000/- and upto Rs.10,000/Rs.75/Above Rs.10000/- Rs.6/- per thousand

Manually Manually Manually

Note:- The Revised Service Charges are effective w.e..f 1st November,2013
Min. Rs.100/- Max. 12,500/- + Out of pocket expenses
1000/- Min. Rs.102/- Max. Rs.12,733/- + $

Note: $ = out of pocket expenses Upto Rs.5,000/- Rs.28/Above Rs.5,000/- upto Rs.10,000/- Rs.56/Above Rs.10,000/-upto Rs.1.00 lac Rs.112/Above Rs.1.00 lacs upto Rs.5.00 lac Rs.225/-

5.5

Collection of Outstation Cheques (inclusive of postage and out of pocket expenses.)

Upto Rs.5,000/- Rs.25/Above Rs.5,000/- upto Rs.10,000/Rs.50/AboveRs.10,000/-upto Rs.1.00 lac Rs.100/Above Rs.1.00 lacs upto Rs.5.00 lac Rs.200/Above Rs.5.00 lacs upto Rs.10.00 lac Rs.225/-

System

5.6

DD Purchase Outstation cheque

5.7

Collection of cheques under Speed Clearing System for SB a/c customer. (inclusive of postage and out of pocket expenses.) Collection of cheques under Speed Clearing System for CA a/c & other customers. (inclusive of postage and out of pocket expenses.)

Above Rs.10.00 lacs Rs.250/-(Max) Interest 0.50 % + collection charges + out of pocket expenses. In case of cheques returned unpaid interest at 16% p.a. after adjusting the amount collected 0.50%. Upto and Including Rs.1.00 lac: NIL Above Rs.1.00 lacs upto Rs.5.00 lac Rs.175/Above Rs.5.00 lac upto Rs.10.00 lac Rs.200/Above Rs.10.00lac Rs.225/-

Above Rs.5.00 lacs upto Rs.10.00 lac Rs.253/Above Rs.10.00 lacs Rs.281/-(Max) Interest 0.50%+ collection charges+ out of pocket expenses. In case, cheque returned unpaid, interest 16% p.a. after adjusting the amount collected 0.50%. Upto and Including Rs.1.00 lac: NIL Above Rs.1.00 lacs upto Rs.5.00 lac Rs.197/Above Rs.5.00 lac upto Rs.10.00 lac Rs.225/Above Rs.10.00lac Rs.253/Upto Rs.1.00 lac: Rs.22/Above Rs.1.00 lac upto Rs.5.00 lac Rs.197/Above Rs.5.00 lac upto Rs.10.00 lac Rs.225/Above Rs.10.00lac Rs.253/Local Charges as applicable for Bankers Cheque outstation charges as applicable to remittances. RS.15/- (Inclusive of service tax)per quarter)

System

System

5.8

System

Upto Rs.1.00 lac: Rs.20/Above Rs.1.00lac upto Rs.5.00 lac Rs.175/Above Rs.5.00lac upto Rs.10 lac Rs.200/Above Rs.10.00lac Rs.225/Local Charges as applicable for Bankers Cheque outstation charges as applicable to remittances. N.A

5.9

Payment of Deposit receipts to another bank SMS alert charges Debit Card Related Charges ATM cum debit card

Manually

5.10 6. 6.1

System Manually

Silver card Platinum Debit Card

NIL Rs.300/-

Silver Platinum Debit Card:

NIL Rs.306/-

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 Gold international debit card Rs.100/Annual Rs.100/Gold international debit card Rs. 102/Rs.102/Recovered at CDC Belapur through Trickle feed once a year

6.2

ATM

cum

Debit

Card

Maintenance fee from the second year of 6.3 6.4 6.5 6.6 issuance Card Replacement Charge Duplicate PIN/Regeneration of PIN ATM card/PIN/KIT returned by courier due to wrong address Transaction charges for ATM usages: SBI Group ATMs ATM linked National Financial Switch(NFS) utpo 5 transactions in a month in SB a/c. Beyond 5 transactions in SB a/c Other than SB a/cTransaction charges for other services on ATMs: Utility Bill Payment All Temple Trust Donations Fee Payment for Education Institutions. All Mobile Top up Card to Card Transfer.
On line request for Draft Issue

Rs.200/Rs.50/`50/-

Rs.204/Rs.51/Rs.51/-

Manually Manually Manually System

Nil Nil Nil Nil

Nil Nil Rs.20/- per transaction Rs.20/- per transaction N.A

6.7

N.A.

Nil

6.8

N.A.

6.9 9

eZ-Pay card:

Issuance fee Rs.100/-

Upto Rs.10,000/NIL Above Rs.10,000/- upto Rs.1.00 lac : Rs.50/Above Rs.1.00 lac. Rs.100/Issuance fee: Rs.102/Reloading charges: Rs.10/-

Manually

INB End/

Note:- The Revised Service Charges are effective w.e..f 1st November,2013
Replacement of card/PIN Rs.102/-Refund of unspent amount at SBP Branches Rs.102/Issuance fee: Rs.102/Replacement Card: Rs.102/Rs.10/Rs.50/- per transaction Nil Nil Manually System System System N.A N.A

6.10 6.11 6.12 6.13 6.14 7

Sr. No.

Gift Card IRCTC Fee Online Air ticket booking through merchant site Income Tax, Service Tax and Excise duty payment On line Custom Duty payment, Central Railway Freight Collection, Collection Module for Corporate. ELECTRONIC TRANSFER CHARGES (ALL SEGMENT) Inter-Core Charges between our branches Transfer transaction between SBP branches Local/Outstation

Issuance fee Rs.100/N.A. N.A. N.A. N.A.

Existing Charges Max. Amt. Charges Max. Amt.

Revised Charges Charges Nil System

7.1

7.2

Cash Transaction between SBP Branches: Local /Outstation

Subject to NIL restriction for nonhome transactions for different branches. Existing Charges Upto Rs.50000/(Deposit of cash above Rs.50000/subject to prior approval of Controller of the branch receiving the cash) Cash upto Rs.50,000/Transferfor cheque upto Rs.5 lacs Charges above Rs.5 lacs&upto`10 lacs Upto Rs. 50000/- Free Above Rs.50000 & upto Rs.1 lac Rs.100 /Above Rs. 1 lac Rs.100/ per lac or part thereof Free Rs.25 per transaction Rs. 50/- per transaction

Subject to restriction for non-home transactions for different branches.

Revised Charges P-SegmentRs.25,000/SME SegmentRs.2.00 lac per day System Rs.2/- per 1000. min. Rs.10/- per transaction

A.Deposit of cash at non-home CBS branches

B.Encashment of cheque at non home branch

P-Segments; Max. limit: Rs.50,000/SME segment: Max. Limit:1.00 lacs

System Free Free upto Rs.50,000/Rs.2/- per Rs. 1000 above 50,000/-

10

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 7.3
ECS(Credit) -As Destination Bank -As Sponsor Bank -As Destination Bank -As Sponsor Bank -As Destination Bank -As Sponsor Bank -As Destination Bank -As Sponsor Bank Existing Charges -NIL -Rs.7.00 per entry(Min Rs.2750/-) -NIL Rs.3.50 per entry ( Min Rs.1400/-) Rs.50 -NIl -NIL -NIL -As Destination Bank -As Sponsor Bank -As Destination Bank -As Sponsor Bank -As Destination Bank -As Sponsor Bank -As Destination Bank -NIL -Rs.7.00 per entry(Min Rs.2750/-) -NIL Rs.3.50 per entry ( Min Rs.1400/-) Rs.50/-NIl -NIL Manually

7.4

ECS(Debit)

Manually

7.5 7.6 8.

ECS(Debit) Return for non availability of funds in customer account Charges for certifying of verifying customer mandates NEFT

System N.A

-As Sponsor Bank -NIL Revised Charges

9.

10.

Transaction Slab Charges Transaction Slab Charges Upto Rs.10,000Upto Rs.10,000NIl Nil Upto Rs.1.00 lac Upto Rs.1.00 lac Nil Nil Above Rs.1.00 lac to Rs.15.00 Above Rs.1.00 lac to Rs.15.00 2.00Lacs 2.00Lacs Above Rs.2.00 lacs Rs.25.00 Above Rs.2.00 lacs Rs.25.00 RTGS Customer Transactions (R-41) Existing Charges Revised Charges Time of settlement at the RBI From To Transaction Slab Charges Transaction Slab Charges 9.00 Hours 12.00 Hours Rs.2.00 lacs to Rs.5.00 Rs.25 Rs.2.00 lacs to Rs.25 lacs Rs.5.00 lacs Above Rs.5.00 lacs Rs.51 Above Rs.5.00 lacs Rs.51 After 12.00 Hours 15.30 Hours Rs.2.00 lacs to Rs.5.00 Rs.26 Rs.2.00 lacs to Rs.26 lacs Rs.5.00 lacs Above Rs.5.00 lacs Rs.52 Above Rs.5.00 lacs Rs.52 After 15.30 Hours 16.30 Hours (on week Rs.2.00 lacs to Rs.5.00 Rs.31 Rs.2.00 lacs to Rs.31 days) lacs Rs.5.00 lacs Above Rs.5.00 lacs Rs.56 Above Rs.5.00 lacs Rs.56 Existing Charges Revised Charges RTGS Inter-Bank Transactions (R-42) Time of settlement at the RBI From To Transaction Slab Charges Transaction Slab Charges

Manually Manually Manually Manually

Manually Manually Manually Manually Manually Manually

9.00Hours 11

12.00 Hours

Rs.2.00 lacs to

Rs.25

Rs.2.00 lacs to

Rs.25

Manually

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 Rs.5.00 lacs Above Rs.5.00 lacs Rs.2.00 lacs to Rs.5.00 lacs Above Rs.5.00 lacs Rs.2.00 lacs to Rs.5.00 lacs Above Rs.5.00 lacs Rs.5.00 lacs Above Rs.5.00 lacs Rs.2.00 lacs to Rs.5.00 lacs Above Rs.5.00 lacs Rs.2.00 lacs to Rs.5.00 lacs Above Rs.5.00 lacs

After 12.00 Hours After 15.30 Hours 11.

SWIFT CHARGE

15.30 Hours 18.30 Hours (on week days)

Rs.51 Rs.26 Rs.52 Rs.31 Rs.56

N.A

Rs.51 Rs.26 Rs.52 Rs.31 Rs.56

Manually Manually Manually Manually Manually Manually

Rs.600 flat per transaction

NOTE:i) Charges are to be recovered from the account where the credit is afforded. However, no recovery shall be effected from the accounts of customer exempted under special schemes. ii) Charges recovered are to be credited to the branch which puts through the transactions. iii) DGM modules have the discretion to reduce the maximum cash withdrawal limit per non-home transaction at non-chest branches. iv) Non-home transactions will be allowed to be conducted without any service charges from all Staff/SBP Pensioners and Staff of Associates. i) Above charges are applicable to all type of transactions, including interbank funds transfer (RTGS R-42).

ii) As above charges are all inclusive, no additional charges such as Courier charges, out of pocket expenses etc., need to be levied from the customers, except where specified. iii) The charges are applicable only to transactions originated and payable within India. iv) To reduce the Clearing Cycle and to promote electronic mode of payment, the drawee branches should use electronic modes like RTGS/NEFT, wherever available, to remit proceeds to the collecting branches.

12

Note:- The Revised Service Charges are effective w.e..f 1st November,2013

NOTE: 11A.CONCESSIONS IN SERVICE CHARGES

i) Service charges for certain categories of customer like individuals in rural areas, pensioners and senior citizens, the service charges have been reduced to 50% of applicable prescribed charges in respect of following services :(Concessions for different categories of customers at branch level only) a) Issue of duplicate Passbook/statement of accounts. b) Issue of cheque books. c) Noting of Standing Instructions. d) Stop payment instructions. e) Charges for non-maintenance of minimum balance. f) Issue of balance certificate. g) Signature verification. h) Ledger folio charges.

ii) No service charges will be levied for no frill accounts. iii) Following discretion is vested with officials for giving concession over card rates at various levels: a) Branch Manager upto SMGS:IV incumbency-25% b) c) Asstt. General Manager/ Branch Manager (Scale-V)-50% DGM module/ DGM headed Branch:75% d)General Manager (Network):-100% iv) BPR entities and Managers of Division will also exercise powers in respective grades as above in regard to concession in service charges. v) The charges are inclusive of Service Tax and no separate recovery is required to be made. 11B 1 2 3

Service charges concession to defence person

Collection of Cheques/ Instruments Remittance Remittance

At Par Collection Of salary/terminal benefits/pension cheques At par remittance to the family. One time at par remittance facility for payment of school /college fee in a calendar year . 4 Custody of wills At par custody of wills 5 Standing instructions In house standing instructions-free of charge In case of all at par transactions out of pocket expenses as actually incurred will be required to be recovered from the beneficiaries. 13

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 12 12.1
PERSONAL SEGMENT ADVANCE RELATED SERVICE CHARGES (Home Loan Processing Fee)

Existing Charges

Revised Service Charges

12.2 12.3 13 13.1

Home Loan (all types of home loans under Upto Rs. 25 lacs 0.25% of loan amt. this scheme) Above Rs. 25 lacs and upto Rs. 75 lacsRs.10000/Above Rs. 75 lacs- Rs. 20,000/Rural Housing (Gram Niwas) Nil SBP-Reverse Mortgage Loan 0.50% of the loan amount, minimum Rs.500/- and maximum of Rs.10000/-

Upto Rs.25 lacs 0.25% of loan amt. Min. Rs. 1000/Above Rs.25 lacs and upto Rs. 75 lacs Rs. 6500/Above Rs. 75 lacs- Rs.10,000/NIL 0.51% of the loan amount, minimum Rs.562/- and maximum of Rs.11236/0.51% of Loan Amount: Min. Rs.1020/Max. Rs.10200/ Rs.510/- (under Special Salary Package) Rs.5100/- for Mercedes cars

System System System N.A System

Processing Charges for Auto Loans

SBP Car Loan 0.50% of Loan Amount System
Manually Manually

13.2 13.3 13.4 14 14.1 14.2 14.3

Used Car Loan SBP Car Loan Overdraft Two-wheeler Loan Processing Charges for other P Segment Loans Loan against mortgage of the immovable property SBP Rent Scheme
Gold Loan (a) For loan upto Rs.25000/(b) For loan above Rs.25000/(c) Above Rs.1 lac Advances against RBI Relief Bond Career Loan Loan to pensioner

0.50% of Loan Amount 0.50% of Loan Amount 1.10% of Loan Amount

0.51% of Loan Amount: Min. Rs.510/Max Rs.10200/0.51% of Loan Amount: Min. Rs.510/Max Rs.10200/1.22% of Loan Amount: Min. Rs.255/Max. Rs 510/2.02% of Loan Amount Max. Rs.50,933/2.02% of Loan Amount Max. Rs.1,01,,865/
Rs.511/1.01% of loan amt. or Rs.1022/whichever is higher. 0.51% of the loan amount or `563/per application whichever is higher. 1.01% of Loan amount 0.51% of Loan amount NIL

System System System

2% of the limit sanctioned Max. Rs.50000/2.00% of Loan Amount Max. `100000/Rs.200/- per application Rs.250/- per application 0.50% of the loan amount or 500/per application whichever is higher. 1.10% of the loan amount 0.50% of the loan amount NIL

System System Manually

14.4 14.5 14.6 14

System System
N.A

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 14.7 14.8 14.9 14.10 15
SBP Gyan Jyoti Personal Loan Scheme SBP Earnest Money Loan
Loan against Demat Units of open Ended scheme of SBI Mutual fund

NIL 1.00% of the loan amount + service tax 0.50% of the loan amount, minimum Rs.100/1.10% of the loan amount

NIL 1.01% of the loan amount 0.51% of the loan amount, minimum Rs.101/1.01% of the loan amount

N.A System

System
System

ADVANCES RELATED SERVICE CHARGES (OTHER THAN P SEGMENT& Agriculture) Loan Processing Charges Up to Rs.25,000/Above Rs.25,000/- but up to Rs.2 Lacs Above Rs.2 lacs but up to 1 crore Above Rs.1 crore

Externally rated Borrowers: For AAA & AA rated borrowers A rated borrowers

-Fund based + Non-fund based limits Nil -Rs.300/-Rs.300/- per lac -Rs.250/- per lac Min Rs.30000/- Max Rs.12 lac (To be charged on adhoc limits also) (For C&I charges refer circular No.S&P/24 dated 8th September,2007)

Fund based + Non-fund based limits-Nil Rs.500/0.30% of loan amount, Max. Rs.30 lacs -----------do----------

System

0.15% of loan amount, Max. Rs.15 lacs. 0.20% of loan amount, Max. Rs.20 lacs.

Manually

16

1.No processing charge to be recovered on loans against our own deposits, Govt. securities, NSCs, KVPs, IVPs etc. 2.25% processing charge or Rs.1 lac flat, whichever is lower, to be recovered up-front for limit up to Rs.100 crore, above which flat Rs.5 lac will be recovered up-front fee. Full processing fee may be recovered at the time of actual disbursement and initial fee adjusted from this fee. 3.Processing charges are not applicable for term loans, as upfront fee will be recovered. 4.The charges are to be recovered at the time of initial processing as well as each renewal (i.e. annual). 5.Where account could not be renewed in time due to delayed submission of data by the borrower, the charge is to be recovered for continuing the advance. 6. In respect of PMRY/SGSY and other Govt. sponsored schemes, recovery of service charges will be in accordance with the terms of the scheme. Upfront fee

-Term Loans to all Micro Enterprise units under MSME Act -Term Loans above Rs.2 lacs but up to Rs.5 crore (other than Micro Units) -Term Loans above Rs.5 cr. but up to Rs.25 cr.

N.A 1.25% of loan amount 1.50% of loan amount 1.00% of loan amount Min. Rs.15 lac (To be charged on short term

NIL System 1.25% of loan amount. 1.00% of loan amount (Min.Rs.6.25 lac)

15

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 -Term Loans above Rs.25 cr. For Externally rated Borrowers: -AAA &AA rated -A rated -For Scheme, where Refinance is obtained. 17
Project Appraisal Fee Project cost Up to Rs.25 cr. Above Rs.25 cr. but up to Rs.50 cr. Above Rs.50 cr. but up to Rs.100 cr. Above Rs.100 cr. Lead Bank Fees % of Project (Rs. in lacs) Cost Min. Max. 0.50 2.50 12.50 0.40 12.50 20.00 0.30 20.00 30.00 -30.00 Negotiable Not less than 0.15% p.a. on fund based working capital limits extended by the consortium. A higher percentage where feasible Max. Rs.30 lacs
50% of the applicable processing charges.

corporate loans also) As specified by refinancing agency

0.80% of loan amount (Min. Rs.25 lac) -0.50% of loan amount (Min.2.50 lacs) -0.60% of loan amount (Min.Rs.3 .00 lacs). -As specified by Refinancing Agency (to be charged on Short Term Loans also).
% of project (Rs. in lacs) Cost Min .Max . 1.00 10.00 25.00 0.75 25.00 37.50 0.50 37.50 50.00 ---50.00 Negotiable 0.50% p.a. on fund based and Non-fund based limits extended by consortium with a cap of Rs.50.00 lacs or the processing charges on entire WC limits whichever is higher.
50% of the applicable processing charges.

Manually

Manually

18

Manually

19

20 21

Revalidation of Sanctions*** Working Capital Term Loan *** Not applicable for revalidation of pricing approvals. Pre-Payment Charges (other than P. Segment) Allocation of limits

Manually 50% of the applicable Upfront charges. 50% of the applicable Upfront charges.

(Refer Circular No.SP/SNP/28/08-09 dated 10th November,2008) Rs.10000/- p.a. for allocation of limits to each branch. (To be recovered by controlling branch). In case of advances moved from one business unit to another at Banks instance- No charge

2% of the pre-paid amount(loans prepaid from own resources will not attract prepayment/pre-closure charges). Rs.15000/- p.a. for allocation of limits to each branch. (To be recovered by controlling branch.) In case of advances moved from one business unit to another at Banks instance No charge

System Manually

16

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 22
Per borrowings entity with FB limits of -Per borrowing entity with FB limits of up Equitable Mortgage(SME & C&I only) ( Once the maximum charges for one slab Up to Rs.10 lacs - Rs.500 per lac to Rs.10 lacs: Rs.500 per lac stands recovered, no equitable mortgage Above Rs.10 lac but upto Rs.5 crore -Above Rs.10 lac but up to Rs.5 crore: Rs.15000/charges to be recovered for the further Rs.15000/Above Rs. 5 crore Rs.20000/renewal/ enhancement till the new slab starts. -Above Rs.5 crore: Rs.25 per lac, Min. However, while there is a substitution of title Rs.25,000/-and Max. Rs.40,000/deeds, charges shell be recovered a fresh.) 1.The charges are applicable for extension of mortgage for enhancement on enhanced portion of credit limit and for substitution of title deeds also. 2.The charge specified is applicable per instance irrespective of the number of title deeds. 3.The charge is applicable for extension of equitable mortgage recorded in favour of other lenders also. 0.15% p.a. 0.15% p.a. Commercial Paper Issuing & Paying Agency Commission If Average Utilisation is Commitment Charges Working Capital More than 75% : No charges. (WC) For all fund-based limits irrespective of size of Between 50-75% : 0.25% p.a. the loan (Exemptions WC Limits of Sick/Weak 0.25% p.a. on the entire unutilized portion (to be recovered on entire unutilised Units, Export Credit, Purchase/ Discounting of if average utilization is 60% or less portion on quarterly basis.) Bills, Against Bills for Collection, Commercial To be levied half-yearly Less than 50% : 0.50% to Banks/ FIs/ Co-op be recovered on entire unutilised portion Banks/LDBs, Pre-sanctioned Lines of credit). on quarterly basis. In case of Standby Line of Credit(WC) :1% of Up-front fee (to be levied half yearly) 1.20% for delayed draw down beyond 2 1.20% for delayed draw down beyond 2 Term Loans For all term loans.(irrespective of working month month. capital limits) Inspections Charges -Nil Nil Up to Rs.25,000/-Rs.500/- p.a. Rs.500/- p.a. Over Rs. 25,000/- &upto Rs.2 lacs Rs.500/- per lac p.a. for inspection within -Rs.250/- per lac p.a Max. of Rs.10,000. Above Rs.2 lacs but up to Rs.1crore same municipal limits or within an 8 Km. (with in same municipal area) -Rs.100/-per lac p.a. Max. Rs.20,000/radius of the location of the Branch, with Above Rs.1 crore but up to Rs.5crore i) Amaximum of Rs.12000/- p.a. for (with in same municipal area). inspection stipulated at monthly intervals. -Actual charges + 25% of above Above Rs.5 crore ii) A maximum amount of Rs.9000/- p.a. (i.e.Rs.20,000/-)subject to a Minimum of for inspections stipulated at quarterly Rs.25,000/-p.a. intervals iii) A maximum amount of Rs.6000/- p.a. -Actual charges + 25% subject to a For Outstation Inspection for inspections prescribed at half yearly minimum of Rs. 15000/- p.a. Manually

23 24

Manually Manually

25 26

Manually
Recovered at CDC Belapur through Trickle feed once a year Limit up to Rs.2.00 Lac above Rs.2.00 Lac recovered manually.

17

Note:- The Revised Service Charges are effective w.e..f 1st November,2013
For WC limits such as CC/EPC limits etc.: recovery of inspection charges should be levied in one account only. All other instructions will remain unchanged. intervals. iv) Amaximum amount of Rs.3000/- p.a. for inspections prescribed at yearly intervals. For outstation inspection or beyond 8 Km radius of the location of the Branch actual Charges + 25%, subject to (i) a Minimum of Rs.10000/- p.a. for inspections stipulated at monthly intervals (ii) a minimum of Rs.7500/- p.a. for inspections stipulated at quarterly intervals. (iii) a minimum of Rs.5000/- p.a. for inspections stipulated at half yearly intervals. (iv) A minimum of Rs.2500/- p.a. for inspections stipulated at yearly intervals.

27

Documentation Charges For Large Corporates (Limit above Rs.100 crore)

Manually
Above Rs.5 crore Rs.12000/*Where Equitable Mortgage charges are recovered, documentation charges will not be recovered. up to 50% of documentation charges may be waived by sanctioning authority, strictly on business consideration.

Modification of Standard documents viz. CF1, CF2, CF3 etc. Drafting of documents for special purpose, eg .Registered Mortgage, Corporate loans, Post Merger Documents, Hypothecation documents for Fixed Assets or Current Assets alone etc. Drafting of documents for Syndicated Term Loan. Memorandum of Entry for Creation of Equitable Mortgage and Drafting of Declaration by the Company regarding Deposit of Title Deeds(no specific documents are available) For Other Customers. Loan above Rs.1 crore & upto Rs.5 crore. Loan above Rs.5 crore

-Rs. 1 lac -Rs.2 lacs per facility.

-Rs.10 lacs. -Rs.1 lac (In this case, EM charges will not be recovered separately)

N.A.

Above Rs.5 crore Rs.12000/-

-Rs.10,000/-Rs.20,000/-

18

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 28
Inland BGs Performance guarantees as well as financial guarantees Minimum Commission Upto Rs. 5 crore Above Rs.5 cr. and upto Rs.10 cr. Above Rs.10 cr. For Refund of Commission for unexpired Guarantee. Upto 25% Upto 50% Manually Nil 2.75% p.a. 2.25% p.a. 1.75% p.a. Plus Rs.250/_ in each case as handling charges Borrowers rated SB5 & below 0.25% p.a. over and above the normal charge Backed by 100% discharge of liability (viz., cash margin, sanctioned term loan, guarantee of First Class bank, 100% lien on drawing power) 0.6875%p.a.Others 2.75% p.a.Minimum charges for 3 months will be recovered. @ 0.02% of amount involved, subject to a minimum of Rs.500/- and a maximum of Rs.2500/- (No authority has been vested with discretion to reduce this service charge). Minimum charge Rs.400/Usance Charge 0.30% for Bills up to 7 days sight 0.60% for bills over 7 days sight & up to 3 months sight 0.60% for first 3 months plus 0.30% p.m. in excess of 3 months for bills over 3 months sight Plus Commitment charge A commitment charge for the period of liability (from the date of credit to the last date of its validity) @0.30% for every period of 3 months or part thereof with a Rs.500/2.10% p.a. 1.60% p.a. 1.30% p.a.
Discretion will be with DGM(Module) Discretion will be with GM (Network).

29

Letters of Comfort (LOC)

30

Exercise of Swing Option

Backed by 100% discharge of liability (viz., cash margin, sanctioned term loan, guarantee of First Class bank, 100% lien on drawing power) 0.525% p.a. Others 2.10% p.a.Minimum charges for 3 months will be recovered. @ 0.02% of amount involved, subject to a minimum of Rs.500/- and a maximum of Rs.2500/- (No authority has been vested with discretion to reduce this service charge). 2% p.a. 1.90% p.a. 1.60% p.a. Minimum charges 0.60% p.a. or Rs.1000/- whichever is higher. (Above charges are inclusive of commitment fees and usance charges.)

Manually

Manually

31

Inland LCs (i)Opening charges LC upto Rs.5 core Above Rs.5 crore to Rs.10 crore. Above Rs.10 crore.

Manually

19

Note:- The Revised Service Charges are effective w.e..f 1st November,2013
minimum of Rs.200/Add on levy on the normal charge for borrowers with SB5/SBTL5/others in SSI and SB6/SBTL6 and below at6% and12% respectively. LCs up to Rs.6crore No change (normal rate) LCs above Rs.6crores Up to Rs.6crores normal rate For amount in excess of Rs.6crores 85% of the normal rate. LCs above Rs.12crores Upto Rs. 6crores normal rate For amount in excess of Rs.6 crores and up to Rs.12crore 85% of the normal rate. For amount in excess of Rs.12crores 70% of the normal rate. 1.In respect of LC Charges, for high value customers (i.e.for all Commercial branches, MCG branches and as decided by GM(Retail Network),customer-wise schedule of Service charges shall be prepared and enclosed to the loan sanction proposal. In the other words, there will be a rate card for every sanction with company-wise rate to be fixed by the respective Sanctioning Authority. 2.For LCs with 100% cash margin: 25% of the regular charges to be recovered. 3.For LCs established through Internet Module of Exim Bill: 90% of the regular charges to be recovered. 4.LC charges to be recovered at monthly intervals for the actual period of LC liability Outstanding in Banks books, with a minimum period of one month. For this purpose, broken days in a month will be treated as full month for recovery of commission.

(ii) Increasing value of credit

When the amount of credit is subsequently increased both usance and commitment charge shall be made on the amount so increased with Minimum charge of Rs.300/(including If the extension does not run into a fresh period of 3 months, no commitment charge to be levied if the extension runs into a fresh period of 3 charge @ 0.30% for further period of 3 months Minimum Rs.300/-

Applicable charges for the increased Manually amount to be recovered. Minimum charge of Rs.300/-

(iii)Extension of Revolving LCs)

period

LC opening charges for the period it Manually will be extended. Minimum Rs.300/-

20

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 (iv) Revolving LCs Same as per LC opening charges plus on each reinstatement, usance charge according to tenor and commitment charges @ 0.30% will be charged, on the reinstated amount min. Rs.300/Flat Commission of Rs.300/Same as per LC opening charges Manually .Min. Rs.500/-

(v) Other amendments apart from extension in validity period or increase in value of LC (vi) Transferable Letters of Credit

Flat commission of Rs.300/-on each Manually amendment.

(vii) Advising of LCs (viii) Advising of amendments

(ix) Adding confirmation (x) Acceptance charges (XI) Retirement of bills under Inland LC (xii) Non-payment /non-acceptance of Demand/ Usance Bills of Exchange on presentation/on due date (xiii) Out of pocket expenses

Rs.400/- per transfer except when the Rs.500/- per transfer except when the Manually name of the beneficiary is changed under name of the beneficiary is changed under instructions from opening Bank. instructions from opening Bank. Manually 0.06% on each LC with a Minimum Flat Rs.1500/Rs.1200/Manually Rs.500/- per advice Rs.400 per advice
As applicable to LC opening charges An acceptance commission of 0.30% with a minimum Rs.300/0.25% of the bill amount with Max. of RS.20,000/0.15% of bill amount Minimum Rs.300/All out of pocket expenses such as postages, telegrams, telexes, cables shall be collected from the beneficiary unless otherwise specified If payment received under reserve is credited to beneficiarys account 0.30% with a min. of Rs.1200/Flat charge of Rs.400/Rs.50/- per invoice Min. Rs.150/- on each occasion Rs.400 per advice As applicable to LC opening Charges An acceptance commission of 0.30% p.a. with a minimum of Rs.300/0.25% of the bill amount with Max. of RS.20,000/0.15% of bill amount. Minimum Rs.500/No out of pocket expenses such as postages, telegrams, telexes, cables shall be collected from the beneficiary unless otherwise specified If payment received under reserve and credited to beneficiarys account 0.30% with a min. of Rs.2000/Flat charge of Rs.500/Rs.100/- per invoice. Min Rs.500/- on each occasion Rs.500/- per advice. Manually Manually Manually Manually Manually

(xiv) Guaranteeing discrepancy in documents negotiated under LCs (xv) Clean payment received under LC (xvi) Attestation of commercial invoice subsequent to negotiation (xvii) Advising amendments

Manually Manually Manually Manually

21

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 32
(a) Bills (Demand) (1)Interest 0.50% + collection charges as applicable + out of pocket expenses (2)Bills paid beyond transit period of 13 days interest @ 16% p.a. for delayed period beyond stipulated transit period (1) Interest 0.50% + collection charges as applicable + out of pocket expenses (2) Bills paid beyond transit period of 13 days interest @16% p.a. for delayed period beyond stipulated transit period (3) Bills returned unpaid interest @16% p.a. from the date of purchase after adjusting the amount collected 0.50 % Manually Rates are reviewed at regular intervals based on the liquidity position of the Bank, market conditions and are now linked to Base Rate and advised from time to time. Discount at interest rate as applicable to cash credit + Negotiation Charges as applicable +Out of pocket expenses as applicable. Manually Manually

(3)Bills returned unpaid interest @ 16% p.a. from the date of purchase after adjusting the amount collected 0.50 % For demand bills under LCs, negotiation charges to be levied instead of collection charges (b) Discounting of Bills (Usance)* Discounting rates are linked to BPR Bills under SBP / First Class Banks LCs 1.5% below BPLR Bills up to 3 months. Bills exceeding 3 months but up to 6 months 1.5% below BPLR Bills exceeding 6 months but up to 1 year Bills exceeding 1 year but up to 3 years Discount at interest rate as applicable to (c) Bills under non-first class cash credit + collection charges as Banks LCs applicable + out of pocket expenses as applicable

33

Discount at interest rate as applicable Discount at interest rate as applicable to to cash credit + collection charges as cash credit + negotiation charges as applicable + out of pocket expenses applicable + out of pocket expenses as as applicable applicable 1.The rates stipulated against bills under SBP / First Class banks LCs are applicable only for the discounting of bills which fully conform to LC terms. 2.For Demand Bills under LCs, negotiation charges to be levied instead of collection charges 3.Inland LC/ Foreign LC issued against 100% cash margin 25% of the normal charges will be recovered RECOVERY OF SERVICE CHARGES FOR SERVICES OTHER THAN SANCTION OF CREDIT FACILITIES (i) Interchangeability between limits N.A. 0.01% of the limit, minimum Rs.1,000/-, max. Rs.25,000/(ii) Ceding of Charges on Assets N.A. 0.01% of the limit, minimum Rs.1,000/-, max Rs.20,000/(iii) Approval for Mergers & Acquisitions N.A. 0.05% of the limit, minimum Rs.1,000/-, max Rs.50,000/(iv) Rephasement of Loans/ Deferment in N.A. 0.05% of the limit, minimum Loan Installments Rs.1,000/-, max. Rs.50,000/(d) Non-LC bills 22

Manually

Manually Manually Manually Manually

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 (v) Substitution of Collateral Security/ Personal Guarantees (vi) Release of Personal Guarantee/ Collateral Security (vii) (a) Change in Terms and Conditions/ Change in Project/ Items of Machinery (vii) (b) PFSBU Proposals - Change in Terms and Conditions/Change in Project/ Items of Machinery. (viii) Other Miscellaneous Approvals 34 APPLICATION OF PENAL INTEREST (i) Cash Credit Limits: Irregularities in Cash Credit Account. N.A. N.A. N.A. N.A. 0.02% of the limit, minimum Rs.1,000/-, max.Rs.30,000/0.03% of the limit, minimum Rs.5,000/-, max. Rs.50,000/0.01% of the limit, minimum Rs.1,000/-, max Rs.20,000/0.01% of the limit, minimum Rs.1,000/-, max Rs.5 lacs per proposal. 0.02% of the limit, minimum Rs.1,000/-, max.Rs.40,000a) Continuously irregular for a period beyond 60 days b) In other cases 2% on the entire outstanding 2% on the irregular portion
Manually Manually Manually Manually

N.A.

Manually

Continuously irregular for a period beyond 60 days 2% on the entire outstanding in other cases 2% on the irregular portion

System

System

(ii) Non submission of Stock statements a) SME/ AGL accounts (for limits beyond Rs.10 lacs) b) For all CAG/ MCG accounts (iii) Non submission of Renewal Data, including Audited Balance Sheet (iv) Non compliance with Financial Covenants (v) Term Loans (a) Non-payment of interest /installment

1% for the month, the stock statement is not submitted within the stipulated period

a) Rs.500/- within 10 days of due date. b) 1% for the month the stock statement is not submitted within the stipulated period. a) For Listed Companies if not submitted within 7 months- Rs.5,000/- per month. b) For others, if not submitted within 9 months- Rs.2,000/- per month. 1% on the entire outstanding 1% on the entire outstanding for the period of default.

Manually

1% for the delay, beyond 3 months from the date renewal was due 1% on the entire outstanding 2% on the entire outstandings for the period of default

Manually

Manually System

(b) Cross default (Default in payment of 2% on the entire installment/ interest to other Institutions/ outstanding for the period of default Banks (c) Adverse deviation by more than 20% from stipulated level in respect of any two 23

1% on the entire outstanding for the Manually period of Default 1% on the entire outstanding for the periods of non-adherence subject to a

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 of the following items: (i) Current Ratio (ii) TOL/ TNW (iii) Interest Coverage ratio (vi) EPC Advance where exports do not 2% over applicable CC rate from the date materialize of advance minimum period of 1 year. 2% over applicable CC rate from the Manually date of advance.

1.Submission of stock statement with delay beyond 10 days of the succeeding month to be considered as non-submission expect where period extended/ specified by the sanctioning authority. 2.The aggregate penal interest on account of non-compliance not to exceed 3% in aggregate. 3.Sick units under Rehabilitation and Non-compliance on account of Natural calamities/ extraneous reasons Penal interest not to be levied. 35 SERVICE CHARGES FOR PROVIDING CREDIT INFORMATION REPORTS UNDER CREDIT INFORMATION COMPANIES For Individual Customers (All Segments) Manually 40/Rs.50/For Non-Individual Customers (All Segments) 800/Rs.500/Manually

Others 1) Actual out of pocket expenses to be recovered in all cases, except where specifically exempted. 2) Charges for services, not enumerated above, will continue as extant. 3) Service Charges proposed above are inclusive of Service Tax. The operating units will not recover any Service Tax and Education Cessthereon from the customers 36 GOVERNMENT BANKING: CHARGES FOR e-FREIGHT FACILITY TO CUSTOMERS Inter-city transaction for all e-Fright Existing Charges Service Charges. Intra-city Free N.A. Rs.100/- per transaction. Inter-city per transaction Upto Rs.20,000/Above Rs.20,000/- but upto Rs.5.00 lacs Above Rs.5.00 lacs Manually Manually Manually

24

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 37 FOREIGN EXCHANGE RELATED SERVICE CHARGES (A. Exports Related Transactions) Item Existing Charges/Commission 1. Export Bills purchased/ Negotiated/discounted a. Processing charges for each foreign currency export bill: Rs.600/- Per bill For bills upto US$5000 Rs.1200/- Per bill For bills over US$5000 b. Processing charges for each rupee 0.30%; Min. Rs.600/- per bill. export bill
c. For each complete set of export documents sent by the exporter directly to overseas buyer in terms of extant FEMA guidelines, while disposing of the relative GR forms. Rs.700/- per bill.

Revised Charges Commission Manually

Rs.600/- Per bill Rs.1200/- Per bill 0.30%; Min. Rs.600/- per bill.
Rs.700/- per bill.

Manually Manually

d. Reimbursement charges under Letterof Credit Upto US$5000 Above US$5000 &upto US$ 1lac. Above US$ 1 lac e. Forwarding export documents to another bank for negotiation to whom L/C is restricted by the bank which has booked the forward contract. f. For joining customers guarantee sand giving guarantees on behalf of customers in respect of discrepant documents. g. Overdue export bills purchased/negotiated/ discounted where proceeds are not received in Nostro Account within six months

. Rs.600/- Per reimbursement Rs.1200/- Per reimbursement Rs.1500/- Per reimbursement 0.30% Min. Rs.1000/-. Rs.600/- Per reimbursement Rs.1200/- Per reimbursement Rs.1500/- Per reimbursement 0.30% Min. Rs.1000/-.

Manually

Manually

0.20% Min. Rs.1000/-. Rs. 700/- per month or part thereof.

0.20% Min. Rs.1000/-. Rs. 250/- per month or part thereof.

Manually Manually

h. Charges for discrepancies in export US$ 50/documents under L/C 2. Collection of Bills. 0.15%; Min. Rs.600/-Max. Rs.25,000/a. (Both foreign currency and Rupee 25

US$ 50/0.15%; Min. Rs.600/-Max. Rs.25,000/-

Manually Manually

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 export bills) b. Export bills sent for collection where Rs.700/- per month or part thereof. Rs.300/- per month or part thereof. Manually proceeds are not received with in 6 months Note: (i) Applicable also in case of deferred exports, if the relative proceeds are not received within the stipulated period. (ii) Not applicable in case of bills drawn on countries with externalization problems but paid in local currency and the exporter has obtained necessary approval from RBI. c. For each complete set of export documents Rs.700/- per bill. Rs.700/- per bill. Manually
sent by the exporter directly to overseas buyer in terms of extant FEMA guidelines, while disposing of the relative GR forms.

d. Additional charge where proceeds of bills are received through a bank other than the collecting bank at the instance of exporter/ overseas buyer. 3.Certificates Issuance of certificates/ attestation in respect of export transactions. 4. Registration of export contracts 5. Processing fee for advance against Govt. sponsored incentive scheme 6. Export Letter of Credit a) Advising letter of credit (recording, scrutinising, authenticating, and verification). b) Advising amendments c) Confirmation charges

0.15%; Min. Rs.600/-

0.15%; Min. Rs.600/-

Manually

Rs.250/- per certificate. Rs.700/- flat per registration. Rs.400/- flat per amendment. 0.50%; Min. Rs.500/-. Max.25000/Rs.1500/- flat per letter of credit Rs.600/- flat per amendment LCs upto`5 crore Normal rate LCs above `5 Cores and upto` 10 crores normal rate Upto` 5 core Normal rate for amount in excess of `5 crores and upto`10 crores 50% of normal rate Lcs above `10 crore -upto`5 crores normal rate -for amount in excess of ` 5 crores and upto`10 crores -50% of the normal rate for amount in excess of 1o crores25% of

Rs.250/- per certificate. Rs.700/- flat per registration. Rs.400/- flat per amendment. 0.50%; Min. Rs.500/-. Max.25000/Rs.1500/- flat per letter of credit Rs.600/- flat per amendment *All-in-one rates applicable as quoted for import letters of Credit, below in Import Related Transactions section. -Minimum Rs.600/- for all customers. -Plus processing fee for adding confirmation Rs.1500/-

Manually Manually Manually Manually Manually Manually

I. Issuance charge II. Usance charge

26

Note:- The Revised Service Charges are effective w.e..f 1st November,2013
normal rate Minimum 600 for all customers Plus processing fee for adding confirmation for 1500/Rs.700/- flat for each advice of transfer. 0.1750% per quarter and part thereof Min. Rs.1500/-

d) Transfer of letter of credit. e) Acceptance commission for accepting usance drafts to be drawn on and accepted by banks in India.

Rs.700/- flat for each advice of transfer. 0.1750% per quarter and part thereof Min. Rs.1500/-

Manually Manually

b)Import Related Transactions IMPORT LETTER OF CREDIT ISSUANCE RATES All in-One rates for opening of Import letters of Credit. I. Issuance charges: SIGHT IMPORT LETTER OF CREDIT LCs upto Rs.5 crore LCs above Rs.5 crore & upto Rs.10 crore. Above Rs.10 crore. Existing Charges Revised Charges Manually 1.40% p.a.of LC Value (upto 10 days sight only) * Normal Rate; * 50% of normal rate; * 25% of normal rate Minimum RS.600/- for all customers USANCE IMPORT LETTER OF CREDIT II. Usance charges: Normal Sight LC Issuance charges + Usance charges: LCs upto Rs.5 crore. LCs above Rs.5 crore & upto Rs.10 crore. Above Rs.10 crore. Note Erstwhile Commitment charges now 27 * Normal Rate; * 50% of normal rate; * 25% of normal rate Minimum Rs.600/- for all customers 1.08%p.a. of LC Value * Normal Rate; (1.08%p.a. of LC Value) * 50% of normal rate; (1.08%p.a. of LC
Value)

* Normal Rate;(1.40% p.a.of LC Value) * 50% of normal rate; ;(1.40% p.a.of LC

Value)

* 25% of normal rate. ;(1.40% p.a.of LC

Value)

Minimum One Quarter charges to be recovered for all customers but not less than Rs. 600/- in any case. Manually

* 25% of normal rate. (1.08%p.a. of LC

Value)

Minimum One Quarter charges to be recovered for all customers but

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 termed as Issuance charges 2 Amendments to LC a) Extension of validity of LC within the period for which commitment charge has been collected. b) Where extension of validity of credit goes beyond the period for which commitment charge has been collected. c) Enhancement of value of credit d) Amendment extending the tenor of the Bill of Exchange e) Amendment other than extension of validity or enhancement of tenor of the Bill of Exchange (including deferred payment LCs / Guarantees)
f) For revival of expired L/Cs within 3 months from date of expiry 3. Countersigning bills of exchange drawn on importers under LCs

not less than Rs. 600/- in any case. Rs.700/- for all customers Rs.700/- for all customers Manually

Commitment charge as applicable to Issuance charge as applicable to establishment of LCs; Min. Rs.600/establishment of LCs; Min. Rs.600/Commitment and usance charge as applicable to establishment of LC. Usance charges @0.09% per month or part thereof. Rs.700/- flat for all customers

Manually

Issuance and usance charge as Manually applicable to establishment of LC. Usance charges @0.09% per month Manually or part thereof. Rs.700/- flat for all customers Manually

Issuance and usance charges from the date of expiry to the validity date of revived LC. 0.1% per month; Min. 0.25% for the tenor of the bill in addition to Issuance & Usance charges

Issuance and usance charges from the date of expiry to the validity date of revived LC. 0.1% per month; Min. 0.25% for the tenor of the bill in addition to Issuance &Usance charges Issuance Charges: 1.40% p.a.of Value*(upto 10 days sight only) LC

Manually

Manually

4.Revolving Letters of Credit: a) Issuance charges ; All-In-One rates for opening of Import Letters of Credit SIGHT IMPORT LETTER OF CREDIT LCs upto Rs.5 crore LCs above Rs.5 crore & upto to Rs.10 crore. Above Rs.10 crore. * Normal Rate; * 50% of normal rate;

Manually

* Normal Rate;( Issuance Charges: 1.40% p.a.of

LC value)

* 50% of normal rate;

1.40% p.a.of LC value)

;( Issuance Charges:

28

Note:- The Revised Service Charges are effective w.e..f 1st November,2013
* 25% of normal rate. * 25% of normal rate.
1.40% p.a.of LC value) ;( Issuance Charges:

b) Usance charge as per tenor of bill on the maximum amount of drawings permitted at one time. USANCE IMPORT LETTER OF CREDIT Normal Sight LC Issuance Charges Plus Usance Charges. LCs upto Rs.5 crore. LCs above Rs.5 crore & upto Rs.10 crore. Above Rs.10crore. *Normal Rate; *50% of normal rate; *25% of normal rate.

Minimum One Quarter charges to be recovered for all customers but not less than Rs. 600/- in any case.

1.08%p.a. of LC Value* to be recovered *Normal Rate; (1.08%p.a. of LC Value* to be

recovered)

Note Erstwhile Commitment charges now termed as Issuance charge

*50% of normal rate; 1.08%p.a. of LC Value* to be recovered *25% of normal rate. Minimum One Quarter charges to be recovered for all customers but not less than Rs. 600/- in any case

38

For establishing L/Cs/Guarantees on deferred payment terms covering import of goods

SB1/SBTL1 Commission on the balance outstanding (b/o) at the beginning of each quarter: Upto Rs.5 crore: 0.60% of b/o Above Rs.5 crore & upto Rs.10 crore: 0.30% of b/o Above Rs.10 crore: 0.15% of b/o Commission on the balance outstanding (b/o) at the beginning of each quarter: Upto Rs.5 crore: 0.60% of b/o Above Rs.5 crore & upto Rs.10 crore: 0.30% of b/o Above Rs.10 crore: 0.175% of b/o Commission on the balance outstanding Commission on the balance outstanding (b/o) at the beginning of each quarter: Upto Rs.5 crore : 0.60% of b/o Above Rs.5 crore & upto Rs.10 crore: 0.30% of b/o Above Rs.10 crore: 0.15% of b/o Commission on the balance outstanding (b/o) at the beginning of each quarter: Upto Rs.5 crore: 0.60% of b/o Above Rs.5 crore & upto Rs.10 crore: 0.30% of b/o Above Rs.10 crore: 0.175% of b/o Commission on the balance outstanding

Manually

SB2/SBTL2

Manually

SB3/SBTL3

Manually

29

Note:- The Revised Service Charges are effective w.e..f 1st November,2013
(b/o) at the beginning of each quarter: Upto Rs.5 crore: 0.60% of b/o Above Rs.5 crore & upto Rs.10 crore: 0.30% of b/o Above Rs.10 crore: 0.175% of b/o SB4/SBTL4 Commission on the balance outstanding (b/o) at the beginning of each quarter: Upto Rs.5 crore: 0.60% of b/o Above Rs.5 crore & upto Rs.10 crore: 0.50% of b/o Above Rs.10 crore : 0.25% of b/o Commission on the balance outstanding (b/o) at the beginning of each quarter: Upto Rs.5 crore: 0.09% of b/o Above Rs.5 crore & upto Rs.10 crore: 0.75% of b/o Above Rs.10 crore: 0.75% of b/o (b/o) at the beginning of each quarter: Upto Rs.5 crore: 0.60% of b/o Above Rs.5 crore upto Rs.10crore: 0.30% of b/o Above Rs.10 crore: 0.175% of b/o Commission on the balance outstanding (b/o) at the beginning of each quarter: Upto Rs.5 crore :0.60% of b/o Above Rs.5 crore & upto Rs.10 crore: 0.50% of b/o Above Rs.10 crore: 0.25% of b/o Commission on the balance outstanding (b/o) at the beginning of each quarter: Upto Rs.5 crore: 0.09% of b/o Above Rs.5 crore & upto Rs.10 crore: 0.075% of b/o Above Rs.10 crore:0.075% of b/o

Manually

ii) Against Govt.of India counter Guarantee or 100% cash deposit.

Manually

# These charges are normally determined by consortium of banks. Rates decided by the consortium shall apply. However a floor rate of 50% of the normal charges will have to be recovered.

39

Amendments a) Extending validity period within 3 Rs.600/- flat. months (for which commission has already been collected). b) Extending validity beyond 3months Additional commission at 0.60% per period. quarter or part thereof.

Manually Rs.600/- flat. Additional commission at 0.60% per quarter or part thereof. Manually Manually

40

Commission on Import Bills(under LCs) Foreign Currency bills at the time of crystalisation or retirement, whichever is Earlier
Charges on account of discrepant documents

0.125%; Minimum Rs 500/-

0.125%; Minimum Rs 500/-

US$ 30/- from the outside party. Discrepancy charges should be stipulated at the time of opening of LC

US$ 50/- from the outside party. Discrepancy charges should be stipulated at the time of opening of LC

Manually

30

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 Import bills received under Letter of Credit on which no exchange benefit accrues to opening bank (i)Rupee bills at the time of retirement (ii)If Bills are not retired within 10 days from date of receipt of bills in case of demand bills and on the due date in case of usance bills 41
Commission on import bills (not under LC)

0.225% 0.225% addl. 0.125%

0.30% Min.Rs.1000/0.30%; Minimum Rs 1000/addl. 0.125%

Manually Manually

a) Where exchange margin is earned on foreign currency bills. b) On each bill drawn in rupees and on each bill drawn in foreign currency on which no exchange margin accrues c) On bills/ documents covering project imports under intergovernmental aid scheme (including those financed by international agencies like World Bank, IMF, ADB etc.) where no letters of credit are opened. d) In case of documents received by importers directly from overseas exporters. If the overseas remitting bank or the exporter abroad requests proceeds of collection bills to be remitted in a currency other than the currency of the bill. Parcels INWARD REMITTANCES 1. Type of Transaction
a) Encashment of TTs & purchase of MTs/DDs in respect of which cover has been received in Nostro Accounts

0.225% 0.35% Minimum Rs 1000/-

0.30%; Minimum Rs 1000/(Maximum 20,000/-) 0.35% Minimum Rs 1000/(Maximum 20,000/-) Flat 0.075%; Min. 600/(Maximum 20,000/-)

Manually Manually

Flat 0.075%; Min. 600/-

Manually

42

Rs.2500/- for all customers Non-customers Rs.3500/Addl. Commission at 0.175%

Rs.2500/- for all customers Non-customers Rs.3500/Addl. Commission at 0.175%

Manually Manually

43 44

In all cases. Rs.600/- per transaction.

In all cases. Rs.600/- per transaction.

Manually Manually

Apply TT Buying Rate, no exchange margin or interest to be charged.

Apply TT Buying Rate, no exchange margin orinterest to be charged.

Manually

31

Note:- The Revised Service Charges are effective w.e..f 1st November,2013
b) Encashment of TTs & purchase of MTs / DDs where reimbursement is to be obtained in cover by drawing demand drafts on overseas branches or correspondent banks. c) Encashment of customers personal cheques, demand drafts, international money orders, bankers pay orders, payable abroad. d) Rupee drafts issued by correspondent banks (i) Drawn on the branch where correspondent Bank Rupee Account is maintained. ii) Drawn on branch, under special arrangement, where correspondent Bank Rupee Account is not maintained 2. Clean payments a) Effected under instructions from foreign correspondents Stop Payment b) Where the inward remittance has to be paid in foreign currency by way of ademand draft/mail transfer/payment order/ telegraphic transfer. 3.Certificates For issuing bank certificates on security paper in respect of clean remittances from abroad and/or for encashment of foreign currency travelers cheques/ foreign currency notes. Issue of certificates on Banks letter head (where Rupee value of inward remittance does not exceed Rs.5000/-) OUTWARD REMITTANCES a) i) On all foreign currency outward remittances not being proceeds of import bills. ii) Issue of duplicate foreign currency draft Individual Rs.100/ plus actual out of pocket expenses i.e. Apply current T.T. Buying Rate plus exchange margin @ 0.125% + interest @ 15% for a minimum period of 10 days. Apply current T.T. Buying Rate plus exchange margin @ 0.125% + interest @ 15% for a min. period of 10 days+ Rs.100/-. Free of charges. Free of charges. Apply current T.T. Buying Rate plus exchange margin @ 0.125% + interest @ 15% for a minimum period of 10 days. Apply current T.T. Buying Rate plus exchange margin @ 0.125% + interest @ 15% for a min. period of 10 days+ Rs.100/-. Free of charges. Free of charges.

Manually

Manually

N.A

Payment against draft -Rs.100/Payment against TT Rs.150/-. Payment-Rs.100/Rs.600/- flat per transaction.

Payment against draft -Rs.100/Payment against TT -Rs.150/-. Payment-Rs.100/Rs.600/- flat per transaction.

Manually

Manually

Rs.100/

Rs.100/- per certificate

Manually

Rs.100/

Rs.100/- per certificate

Manually Manually

45

Individual (Rs.100/-). For other Rs 600/- per remittance plus actual out of pocket expense i.e. postage, courier & telegram charges

-Individual (Rs.100/-).For other Rs 600/per remittance plus actual out of pocket expense i.e. postage, courier & telegram charges -Individual Rs.100/-plus actual out of pocket expenses i.e. postage, courier & telegram charges Others Rs. 300/-

32

Note:- The Revised Service Charges are effective w.e..f 1st November,2013
postage, courier & telegram charges Others - Rs. 300/plus actual out of pocket expenses i.e. postage, courier & telegram charges plus actual out of pocket expenses i.e. postage, courier & telegram charges

b) Rupee remittances

c) Outward remittances from FCNRB A/cs, NRE A/cs, V.CLEAN INSTRUMENTS FOR COLLECTION Clean instruments sent abroad for collection Obtaining Opinion Report for exporter / importer (both) Providing opinion reports to foreign banks, on our customers VI.MERCHANTING TRADE (If foreign currency remittances are received in advance by the exporter from the overseas buyer and the funds are held in Nostro account at the specific request of the exporter Commission a) On import bills received under back to back LC b) On export bills drawn by merchant exporters VII.FORWARD CONTRACTS a) For booking sales and purchase contracts b) For each request for early delivery, extension or cancellation 33

Individuals0.125% Min.Rs.125/- in all cases. Others-0.30% Min. Rs.600/- in all cases Free of charge Individuals at 0.30% ; Min. Rs.300/- ; Others at 0.30%;(Min. Rs.600/- Max. Rs.25000/) Actual paid to outside agencies plus out of pocket expenses. USD 25/- per opinion to be recovered from foreign bank. No charges specified

-Individuals-0.125% Min.Rs.125/- in all cases. -Others 0.30% Min. Rs.600/- in all cases Free of charge Individuals at 0.30% ; Min. Rs.300/- ; Others at 0.30%;(Min. Rs.600/- Max. Rs.25000/)

Manually

N.A Manually

Actual paid to outside agencies plus Manually out of pocket expenses. USD100/- per opinion to be recovered from foreign bank. No charges specified

Manually 0.225% 0.225% Rs.700/- flat per contract Rs.700/- plus swap cancellation charges applicable. 0.225% 0.225% Rs.700/- flat per contract cost and Rs.700/- plus swap charges wherever cancellation applicable. cost and wherever Manually

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 VIII. FOREIGN CURRENCY TRAVELLERS CHEQUES Sale of foreign currency travelers cheques 1%. a) Commission on Rupee equivalent value 1%. of travelers cheques sold to Indian residents b) Commission on foreign currency 0.25%. travelers cheques issued against foreign 0.25%. currency remittance at the request of the beneficiary Guarantees:1. Guarantees favouring Shipping Cos/Agencies pending production of Bill of Lading -Rs.700/- flat -Rs.700/- flat a) LCs opened by us -0.30% for 3 months -0.30% for 3 months b) Other Guarantees -Plus 0.150% for each Addl. Month -Plus 0.150% for each Addl. Month 2. Guarantees for Project Exports a) ECGC Cover 0.50%p.a. + ECGC Premia 0.50%p.a. + ECGC Premia i) 75% 0.40% p.a.+ ECGC Premia 0.40% p.a.+ ECGC Premia ii) 90% b) 100% GOI Counter Gtee 0.045% per month; Minimum 0.150% 0.045% per month; Minimum 0.150% c) 100% Cash Deposits to the extent of 0.030% per month 0.030% per month Banks' liability Minimum 0.125% Minimum 0.125% d) Other Guarantees (not covered by a/b/c above) 1.15% /p.a. 1.15% /p.a.

Manually

46

Manually

Manually

Manually Manually Manually Manually

3. Other Export Performance. Gtees, Bid Bonds etc. 0.10% per month; Min. 0.30% (other than for Project Export) &those For Deemed Exports 4. All Other guarantees 0.175% per month; Min. 0.30%

0.10% per month; Min. 0.30%

0.175% per month; Min. 0.30% 0.175% per month; Min.0.30%

Manually

5. Guarantees issued on behalf of 0.175 per month; Min.0.30% overseas banks/ parties (where charges are payable by overseas banks/ parties) 34

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 These charges are applicable on guarantees up to Rs.5.00 crores. Guarantees for amount of more than Rs.5.00 crores attract lower charges as per table given below:
NATURE GUARANTEES OF DETAILS OF CHARGES TO BE LEVIED ON THE PORTION OF AMOUNT EXCEEDING RS.5 CRORES CATEGORY OF CUSTOMERS SB1 1.Guarantees Favouring Shipping Cos / Agencies pending production of B/L a) L/C opened by us b)Other Guarantees SB2 SB3 SB4 SB1 SB2 SB3 SB4 & BELOW

Rs.250 0.200% For 3 months+ 0.100%for each additional month

Rs.250 0.200% For 3 months+ 0.120%for each additional month

Rs.500 0.200% For 3 months+ 0.120%for each additional month

Rs.500 0.200% For 3 months+ 0.150%for each additional month

Rs.250 0.200% for 3 months +0.100% for each additional month

Rs.250 0.200% for 3 months +0.120% for each additional month

Rs.500 0.250% for 3 months + 0.120% for each additional month

Rs.500 0.250% for 3 months + 0.150% for each additional month

2.Guarantees for Project Exports a) ECGC cover i) 75% 0.300 % p.a. + ECGC Premia 0.250% p.a. + ECGC Premia 0.300% p.a. 0.350 % p.a. + ECGC Premia 0.250% p.a. + ECGC Premia 0.300% p.a. 0.400 % p.a. + ECGC Premia 0.300% p.a. + ECGC Premia 0.300% p.a. 0.450% p.a. + ECGC premia 0.350% p.a. + ECGC premia 0.300% p.a. 0.250% p.a. 1.00% p.a. 0.300 % p.a. + ECGC Premia 0.250% p.a. + ECGC Premia 0.300% p.a. 0.350 % p.a. + ECGC Premia 0.250% p.a. + ECGC Premia 0.300% p.a. 0.400 % p.a. + ECGC Premia 0.300% p.a. + ECGC Premia 0.300% p.a. 0.450% p.a. + ECGC premia 0.350% p.a. + ECGC premia 0.300% p.a. 0.250% p.a. 1.00% p.a.

ii) 90%

b) 100% GOI Counter Guarantee c) 100% of Cash Deposits Other Guarantees (not covered by a/b/c above)

0.250% p.a. 0.750% p.a.

0.250% p.a. 0.800% p.a.

0.250% p.a. 0.900% p.a.

0.250% p.a. 0.750% p.a.

0.250% p.a. 0.800% p.a.

0.250% p.a. 0.900% p.a.

35

Note:- The Revised Service Charges are effective w.e..f 1st November,2013
3. Other Export Performance Guarantees, Bid Bonds etc. and those for Deemed Exports 4. All Other Guarantees 0.065% per month Min 0.250% 0.090% per month Min 0.250% 0.070% per month Min 0.250% 0.100% per month Min 0.250% 0.080% per month Min 0.250% 0.120% per month Min 0.250% 0.085% per month Min 0.250% 0.150% per month Min 0.250 0.065% per month Min 0.250% 0.090% per month Min 0.250% 0.070% per month Min 0.250% 0.100% per month Min 0.250% 0.080% per month Min 0.250% 0.120% per month Min 0.250% 0.085% per month Min 0.250% 0.150% per month Min 0.250

47

Miscellaneous X. OUT OF POCKET EXPENSES SUCH AS TELEX/ CABLE/ CORRESPONDENT BANKS CHARGES XI. STAMP DUTY

Existing Charges N.A. N.A.

Revised Charges Actual to be recovered. As per charges prescribed by GOI.

Manually Manually

48

XII. ISSUANCE OF RATE CERTIFICATES Period Non-customers Customers Discretion Upto past 12 Rs.250/- for a block of 4 50% charges of what is Branch Managers of AGM/ Sc.IV Manually Months different currency rates applicable to non- incumbency branches and AGM at or part thereof. customers controlling office in case of other branches will have discretion to grant waiver upto 100% to customers on client specific business considerations. More than 12 months up to Rs.500/- for a block of 4 ..do.. ..do.. Manually 60 months different currency rates or part thereof. More than 60 months Rs.1000/- for a block of ..do.. 4 different currency rates or part thereof. ..do.. Manually

36

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 49. ISSUANCE OF IMPORT LETTER OF CREDIT AGAINST 100% OR MORE CASH MARGIN 25% of the normal applicable charges, to be recovered 50. ISSUANCE OF BANK GUARANTEES AGAINST 100% OR MORE CASH MARGIN AND ALSO AGAINST COUNTER GUARANTEE OF GOVERNMENT OF INDIA (GOI) 25% of the normal applicable charges, to be recovered. Notes: 1. Actual out of pocket expenses to be recovered in all cases. 2. Charges for services not covered above will continue as extant. 3. Where the business is shared between other banks, the charges would be shared in the agreed proportion. 4. Where the bank charges are to be recovered from the overseas buyers/ sellers but are refused by them, such charges shall be recovered from the customers.

37

Note:- The Revised Service Charges are effective w.e..f 1st November,2013 51. Discretionary powers: To reduce the service charges on forex transactions whether ad valorem or fixed (Except charges for rate certificates, mentioned at sl. No.XII above), can be reduced/ waived on business considerations as per following discretionary structure:

Authority Dy. General Manager (whether Branch Head orcontroller) General Manager concerned Chief General Manager MD

Existing Nil

Revised Nil

Upto 25% Upto 75% 100%

Upto 25% Upto 75% 100%

52. For Refund of Commission for Unexpired Period of Foreign Bank Guarantee(s) (FBG) Permit refund of guarantee commission for the unexpired period in case the FBG is closed prematurely. However, charges for a minimum period of one quarter are to be recovered& only a fully completed month will be considered for refund. Authority Dy. General Manager(whether controller) General Manager Concerned
Existing or Nil Revised Upto 25% of Guarantee Commission for unexpired period only

Branch

Head

Nil

Upto 50% of Guarantee Commission for unexpired period only

38

Note:- The Revised Service Charges are effective w.e..f 1st November,2013

53. Discretionary Power regarding Concession in Advance related Service charges & Penal Interest

Advance related various service charges such as processing fee, Upfront fee, Project Appraisal fee, to reduce levy of penal interest etc.(also refund penal interest penalty), pertaining to all segments as under:Sanctioning Authority DGM(Module) GM(RNW/CNW) CGM MD Existing Powers Upto 25% Upto 50% Upto 75% Upto 100% Revised NIL Upto 25% Upto 75% Upto 100%

The reduction in service charges should not be resorted to in routine manner and should be extended for business consideration only. Important circulars:1. Application of service charges on agriculture segment as per circular No.SNP/44/8-9 dated 20/02/2009 continue. 2. As per circular No.AGRI/12-13 dated 19/05/2012 processing charges waive on PBKC limits upto3.00 lac. 3. Scheme for financing to farmers against security of gold ornaments. Application of service charges as per circular No.AGRI/AGI/58/11-12 dated 23/02/2012 continues.

39

Note:- The Revised Service Charges are effective w.e..f 1st November,2013

40