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BANK OF INDIA
SERVICE CHARGES & FEES ON BASIC BANKING (EXCLUSIVE OF SERVICE TAX)
W.E.F.15.12.2016
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17 Issue of Payslip / Bankers cheque 50% extra charges over applicable rates as under :
against cash UPTO Rs.10000/-
Non-Individuals :Rs.100/-
Individuals (Non-Rural) : Rs.80/-
Individuals (Rural) : Rs.60/-
ABOVE Rs.10000/- UPTO Rs.50000/- : Rs.400/-
18 Revalidation/Cancellation of Bankers Rs. 100/- per instrument.
Cheque
19 Issuance of Duplicate Bankers Cheque Rs.100/- per instrument.
20 Issue of Telegraphic Transfers Discontinued by the Post & Telegraph Department
21 Collection of Cheques Upto Rs. 5000/- : Rs. 25/-
> Rs. 5000/- to 10000/- : Rs. 50/-
> Rs. 10000 to Rs. 1 lac: Rs. 100/-
> Rs 1 lac to Rs. 5 lac : Rs. 200/-
> Rs. 5 lacs to 10 lacs : Rs. 225-/
> Rs. 10 lacs : Rs. 250/-
22 Collection of Bills Upto 10000/- : Rs.150/- >Rs.10000/- : Rs.10/- per 1000/-
Minimum Rs.150/-; Maximum Rs.15000/-
PLUS out of pocket expenses per bill.
23 Purchase of DD/Outstation Cheque a. Rs.500/- to Rs.5000/-: Rs.30/- per Cheque
b. Above Rs.5000/- upto & incl. Rs.10000/-: Rs.60/-
per cheque.
c. Above Rs.10000/- upto & incl. Rs.1 lacRs.100/-
per Cheque.
d. Above Rs.1 lac Rs.200 per Cheque.
In addition, interest as applicable for clean overdraft will be
charged for the days bank is out of funds.
24 Presentation of Usance Bills Rs.100/-
25 Postal Charges a) Ordinary Post: Actual, subject to Minimum Rs. 15/-
b) Regd/Speed Post/courier: Actual, Minimum Rs.50/-
c)Fax- Actual, Minimum Rs.50/-
26 Inoperative account charges SB a/c NIL Current A/c: Linked to Avg. Qtly. Balance
27 Charges for excess Debit entries in SB Free Upto 50 customer induced debit entries per Half
accounts other than ADC Year. Beyond 50 debitentries: Rs.10/- per entry.
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holding For additional copies: Rs.107/- per copy.
33 Collection of interest/Dividend Same as existing; i.e., as under :
2.75% : Minimum: Rs.53/- per warrant
For warrants upto Rs.53/- charges are discretionary.
34 Charges for transfer of shares Same as existing, i.e. Rs.107/- per transfer deed
35 Charges for deletion of deceased Same as existing, i.e., Rs.222/-
persons name, change in name, etc.
in respect of corporate accounts
36 Purchase/Sale of shares/Securities Same as existing, i.e., 2.75%. Minimum : Rs.267/- per
other than under Power of Attorney transaction
executed in favour of the bank
37 Handling charges for Purchase/sale of Same as existing, i.e., 2.75%. Minimum. : Rs.267/- per
shares/securities under Power of transaction
Attorney executed in favour of Bank
38 Redemption of securities Same as existing, i.e., 2.75%. Minimum. : Rs.267/- per
transaction
39 Safe Deposit Articles Smaller Box:
10X10X10 cms Rs.900/- p.a. per box
20X20X20 cms Rs.1800/- p.a. per box
30X30X30 cms -Rs.2700/- p.a. per box.
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ABOVE Rs.50000/- UPTO Rs.1 LAC Rs.3.56 per
Rs.1000/- : Min.Rs.178/- ABOVE Rs.1 LAC:
Rs.3.11 per Rs.1000/- : Min.Rs.311/ Max.Rs.8900/-
47 Enquiries regarding old entries (more Rs.250/- per instance
than 12 months old)
48 REMITTANCES
RTGS-OUTWARD(through BRANCH) $
Below Rs.2 Lacs NIL
Rs.2 Lacs to Rs.5 Lacs Rs. 22/-+applicable time varying tariff subject to a Max.of
Rs. 27/-
Above Rs.5 Lacs Rs.45/- +applicable time varying tariff subject to a Max of
Rs.50/-
(refer Cir.Ltr.no.2011-12/110 dtd.05.10.2011)
NEFT-OUTWARD(through BRANCH) $
Rs.2.50 per transaction $
Upto Rs.10,000/- $
Rs.5.00 per transaction $
Above Rs.10,000/- UPTO Rs.1 Lac $ (Charges effective from 10.01.2016)
(Charges effective from 10.01.2016)
Rs.15/-
Above Rs.1 Lac to Rs.2 Lac Rs.25/-
Above Rs. 2 Lacs
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INWARD ECS NIL
INWARD : NIL FOR ALL CENTRES NIL
Non-individuals :
Credit Clearing (per entry/item) No charge
NCC Clearing House : No Charge No Charge
Destination Bank : No Charge
Sponsor Bank : Rs.5.50 (Min. Rs.2500/-) Rs.5.50 (Min.Rs.3000/-)
Debit Clearing (per entry/item)
NCC Clearing House : No Charge No Charge
Destination Bank : No Charge No Charge
Sponsor Bank : Rs.4.00 (Min. Rs.2500/-) Rs.4.00 (Min.Rs.2670/-)
ECS Returned Rs.89/- per instrument
Note:
No Folio charges for:
1. Savings Banks accounts.
2. Accounts maintained by RRBs
(For 40 entries or part thereof to be treated as one ledger
page)
50 Inter-Sol Charges Free for all transactions (Ref. Circular Ltr No.2012-13 /
75 dated 02/07/2012)
51 Miscellaneous
Issuance of Duplicate Term deposit Receipt Rs.150/- per receipt.
Addition/Deletion of name in SB A/cs Rs.100/- per occasion in line with other peer banks.
SMS Alerts Rs.15/- per quarter (if the number of SMSs go beyond 5 in
a Quarter) from the customers registered for SMS Alerts.
SMS Charges not applicable to A/cs of staff & Ex-Staff,
A/cs opened under Prime Minister Jan Dhan Yojana
(PMJDY) Scheme, Pensioners, Senior Citizens, Salary
A/cs (SB-161-165) and SB-101 with Special Charge
Code NOMIN.
SDV Locker Rent- Overdue Charges All the hirers as under:
i. Where Annual Locker rental is upto Rs.1000/-:
Rs.40/- per month or part thereof;
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ii. Where Annual Locker rental is Rs.1000/- & above:
Rs.60/- per month or part thereof
With Cheque
Minimum Average Rs. 89/- per quarter
BOI Senior Book Facility
Quarterly Balance
Citizen Savings
(AQB) of
Bank Account Without Cheque Rs. 54/- per quarter
Rs.10,000/-
Book Facility
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The slab structure for levy of penal charges on account of non-maintenance of
stipulated balance in the account is as follows:-
1. Slab I: If the AQB in the account falls below 50% of the stipulated AQB, 100%
of the charges shall be recovered.
2. Slab II: If the AQB in the account is maintained 50% and above but less than
75% of the stipulated AQB, 75% of the charges shall be recovered.
3. Slab III : If the AQB in the account is maintained 75% and above but less than
100% of the stipulated AQB, 60% of the charges shall be recovered.
Basic Savings Bank Account ( No Frill Accounts), Savings Bank Account Scheme for
Pensioners (SB-121), BOI Saral Salary Account Scheme (SB-165), BOI Salary Plus
Account Scheme (SB-163), Star Ratnakar Bachat Salary Account (SB-164), Jai Jawan
Salary Plus Scheme (SB-161, SB-162), BOI Star Gurukul Savings Bank Account (SB -
163 with Special Charge Code GURU) and Staff Salary Accounts (SB-111) shall
remain exempted from minimum balance stipulation/ charges.
52 PENAL CHARGES for Type of current Penal Charges
Non-Maintenance of Accounts AQB Requirement
C Average Quarterly Bal.
Metro-Rs. 5000/-, Urban -
O (AQB) in CD A/cs. 1. Metro Branches:-
N Normal Current Account Rs. 2500/-, Semi-Urban
T Rural/ Rs. 1000/- Rs. 600/-+Applicable
I Rs. 20,000/- to less than service tax per
N SILVER Current Account quarter, if the AQB is
Rs.50,000/-
U less than Rs. 5000/-
Rs. 50,000/- to less than
E GOLD Current Account
D Rs.1,00,000/-
2. Urban/Semi-Urban
GOLD PLUS Current Rs. 1,00,000/- to less than
Branches:- Rs. 500/-
Account Rs.2,00,000/-
+Applicable service
DIAMOND Current Rs. 2,00,000/- to less than
tax per Quarter, if the
Account Rs.5,00,000/-
AQB is less than Rs.
DIAMOND PLUS Current Rs. 5,00,000/- to less than 2500/-
Account Rs.10,00,000/-
3. Rural Branches: -
PLATINUM Current Rs.10,00,000/- to less than Rs. 350/- +Applicable
Account Rs.20,00,000/- service tax Quarter
PLATINUM PLUS Current per, if the AQB is less
Rs. 20,00,000/- and above than Rs. 1000/-.
Account
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Penal Charges for Super Current Plus Deposit Scheme
AQB-Rs.35.00Lac):: Rs. 5000/-+Applicable service tax per quarter
53 NEFT/RTGS-OUTWARD TIERISED CD Accounts under Scheme Code CD-201,CD-209 & CD-211:
Transaction Charges AQB below Rs.20,000/- : Standard charges of NEFT-RTGS Outward to apply
(through Branch) SILVER 90% of the Normal charges of NEFT-RTGS Outward to apply
Applicable to TIERISED GOLD 80% of the Normal charges of NEFT-RTGS Outward to apply
CD A/cs GOLD PLUS 70% of the Normal charges of NEFT-RTGS Outward to apply
DIAMOND 50% of the Normal charges of NEFT-RTGS Outward to apply
DIAMOND PLUS 40% of the Normal charges of NEFT-RTGS Outward to apply
PLATINUM & PLATINUM PLUS BOTH A/CS. FREE OF CHARGE
#- Pl. refer overleaf for detailed list of category of SB & CD A/c. Schemes and of Staff including Ex-Staff
for whom charges have been waived for Online NEFT / RTGS Outward Transactions (through INTERNET
(NET) Banking)
# - ONLINE NEFT / RTGS OUTWARD TRANSACTION CHARGES will not be applicable to A/cs. of Staff
and Ex-Staff and also to Savings Bank Schemes viz. BOI Jai Jawan Salary Plus, BOI Salary Plus, BOI
Saral Salary, BOI Star Senior Citizen (SB-166), BOI Star Mahila (SB-167), BOI Gurukul, SB Pensioner
(SB-121), BOI STAR YUVA (SB-116), Ratnakar Salary, Star Diamond and BOI Suraksha SB Plus and
Current A/c. Schemes (Tierised Current A/c. Category NORMAL TO PLATINUM PLUS), Star Benefit CD
Plus, BOI CD Plus, Super CD Plus and Crystal Current A/c.)
#- Detailed list of category of SB & CD A/c. Schemes and of Staff including Ex-Staff for whom charges
have been waived for Online NEFT / RTGS Outward Transactions (through INTERNET (NET) Banking)
CHANGES MARKED WITH # & $ APPEARING UNDER ITEM NO.48 ON PAGE NO.5 ARE AS
PER THE APPROVAL DATED 04.12.2015 ACCORDED BY MD&CEO AND ED ON THE
MEMORANDUM NO.HO:MKT:AS:2015-16:21 DATED 02.12.2015 PUT UP BY MARKETING
DEPARTMENT, HEAD OFFICE.
$ - RTGS/NEFT Outward Transactions thro Branch is FREE for BOI Salary PLUS A/c Scheme
for Para Military Forces (SB-163 Spl Charge Code-0201) & Jai Jawan Salary PLUS A/c Scheme
(SB161 & SB162) as mentioned vide Br.Cir.Nos.108/199 dt.29.01.2015 & 109/41 dt.12.05.2015
respectively.
#- Pl. refer overleaf for detailed list of category of SB & CD A/c. Schemes and of Staff including Ex-Staff
for whom charges have been waived for Online NEFT / RTGS Outward Transactions (through INTERNET
(NET) Banking)
# - ONLINE NEFT / RTGS OUTWARD TRANSACTION CHARGES will not be applicable to A/cs. of Staff
and Ex-Staff and also to Savings Bank Schemes viz. BOI Jai Jawan Salary Plus, BOI Salary Plus, BOI
Saral Salary, BOI Star Senior Citizen (SB-166), BOI Star Mahila (SB-167), BOI Gurukul, SB Pensioner
(SB-121), BOI STAR YUVA (SB-116), Ratnakar Salary, Star Diamond and BOI Suraksha SB Plus and
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Current A/c. Schemes (Tierised Current A/c. Category NORMAL TO PLATINUM PLUS), Star Benefit CD
Plus, BOI CD Plus, Super CD Plus and Crystal Current A/c.)
#- Detailed list of category of SB & CD A/c. Schemes and of Staff including Ex-Staff for whom charges
have been waived for Online NEFT / RTGS Outward Transactions (through INTERNET (NET) Banking)
$ - RTGS/NEFT Outward Transactions thro Branch is FREE for BOI Salary PLUS A/c Scheme
for Para Military Forces (SB-163 Spl Charge Code-0201) & Jai Jawan Salary PLUS A/c Scheme
(SB161 & SB162) as mentioned vide Br.Cir.Nos.108/199 dt.29.01.2015 & 109/41 dt.12.05.2015
respectively.
Please importantly note : Temporary Overdrafts (TODs) / Drawing against Unclear Effects :
In respect of accounts with more than 6 months old, this facility may be extended as per the
Branch Circular No.107/163 dated 22.11.2013. But this facility to be used as a tool with a discretion to
attract and retain good business.
NOTE - I :-
1. Concessions/ facilities offered under various deposit schemes to continue until further notice,
also concessions available for Staff and Ex-staff will continue.
2. Authority to offer concession in service charges to be exercised as per Branch Circular No. 98/26
of 21.05.2004 and 98/119 dtd.15.09.2004
3. Cash Deposit at other CBS branches will attract the same charges as given under Cash
Handling Charges
4. New locker rentals would be applicable from the date of renewal. If the locker rent falls in
arrears and is paid after the implementation of revised rates, the new/ revised rates will be applicable.
5. If any bills are sent by our upcountry branches for collection, charges to be shared by the
branches in the ratio of 50:50. Postage will be actual.
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6. Please refer to Br.cir.no.101/218 dtd.29.03.2008 SB Inoperative accounts.
NOTE - II :-
Various Concessions/ facilities offered under various heads of service charges to continue for
following categories of Accounts/ Schemes:
Concessions/ facilities extended to Tierised current Accounts and Other current Accounts as
per Master circular on Current Account Deposits (109/201 dt. 01.02.2016)
Jai Jawan Salary Plus Scheme (SB-161, SB-162) as modified Branch Cir No. Branch Circular
No.109/41 dated 12.05.2015
BOI Salary Plus Account Scheme, BOI Saral Salary Account Scheme and BOI Star Gurukul
Savings Bank Account (SB - 163 with Special Charge Code GURU) vide Branch Cir No.
108/199 dated 29.01.2015
Savings Bank Account Scheme for Pensioners (SB-121) as modified vide Branch Cir. No.
107/143 dated 23.10.13
BOI Senior Citizen Savings Bank Account (SB- 166) vide Branch Cir. No. 107/106 dated
13.09.2013
BOI Star Mahila Savings Bank Account (SB- 167) vide Branch Cir. No. 107/107 dated
13.09.2013
Star Ratnakar Batchat Salary Account (SB-164) vide Circular Letter No. 2012-13/ 179 dated
17.10.2012
The penal charges on account of non-maintenance of minimum balance i.e. Rs 25,000 in BOI
Saving Plus Scheme and Average Quarterly Balance of Rs. 5 lac in Super Saving Plus Deposits
shall be levied as Rs 177.99/- + service tax @14% in BOI Saving Plus Scheme and Rs. 444.99/-
+service tax@14% in Super Saving Plus Deposits, respectively.
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