Services Offered

Some of the value added services are -

Mobile Banking Facilities

Phone Banking Facilities
ATM facilities - Vile Parle (W), Malad (W), Mulund (W), Kalbadevi and Andheri (W)
Online Demat Services available with all our branches
Any where banking facility
Tie-up with Max New York Life for selling / marketing Life Insurance Products.
Tie-up with Iffco - Tokio General Insurance Co. for General Insurance Products.
Immediate transfer of funds through RTGS
Collection of Reliance Energy Bills
Franking of all documents with the value of stamp duty.

We are also offering the following services to the customers -

The Bank issues Demand Drafts of HDFC Bank under reciprocal arrangement.
Vault facility is available at Vile Parle (W), Malad (W), Kandivali (W), Borivali (W), Bhayander (W),
Nallasopara (E), Mulund (W), and Ghatkopar (W) Branch.
All branches are computerized and upgraded with latest technology.
We have deployed the Core Banking Solution, Any where, Any Time, Any Branch banking facility to
our customer.
The Bank's tradition is to provide need based finance on time.
Depository Services (At Demat Dept.) - The bank's depository services have received overwhelming
response with over 24000 active accounts being serviced. For convenience of investors, all branches
act as collection centers
The Bank is amongst the first to introduce Toll Free Phone Service at our Administrative Office -

1800228300
The Bank is giving ATM facility at Vile Parle (West), Malad (W), Kalbadevi, and Mulund (W) Branch
and at Kandivali(W) Branch.
The Bank is offering value added services i.e. Payment of Utility Bills like Electricity etc.

…………………..

Deposit Schemes
Kapol Tax Saving Deposit Scheme
The Kapol Bank has introduced a new scheme vide which you can not only deposit your amount and avails
best interest rates but also you can get the tax deduction, the details as below :-
  Investment upto Rs.1,00,000/-
 Period of Deposits : 5 years (Lock-in-Period)
 Tax Relief under Sec 80C of the Income Tax Act.
 Rate of Interest : 9% with quarterly rests.
 Interest is taxable

Term Deposits
We are offering the following interest rates to the deposits, as on 1st August, 2009 -
I
n
t
e
r
e
s
t

R
a
t
e
s

15 to 45 days

46 to 90 days

91 to 180 days

181 to

12 months less than 24 months

…………….

Service Charges
Back

ANNEX- I

Service Charges - Relating to Saving Bank A/c. - No Frills A/c.

Savings Bank A/c - No frills A/c

NA

Minimum Balance

NA

Charges for non maintenance thereof

NA

Saving Bank Accounts with Cheque facility

Minimum Balance

Rs. 1000/-

Charges for non maintenance thereof

Rs. 20/- per month

Saving Bank Accounts without Cheque facility

Minimum Balance

Rs. 500/-

Charges for non maintenance thereof

Rs. 10/- per month

…………..

Remittance Facilities through own bank

- Rs. 2.50 per 1000,

DD- Issue/ cheque drawing facility with HDFC
- Min. Rs. 25/- and
Bank
- Maximum Rs. 5000/-

DD-Cancellation Rs. 25/- per instrument

DD-Duplicate Rs. 25/- per instrument

DD-Revalidation Rs. 25/- per instrument

- Rs. 2.00 per 1000,

PO – Issue - Min. Rs. 15/- and
- Maximum Rs. 5000/-

PO-cancellation Rs. 10/- per instrument

PO-Duplicate Rs. 10/- per instrument

PO-Revalidation Rs. 10/- per instrument

TT – Issue No Service

TT – Cancellation No Service

TT-Duplicate No Service

TT-Revalidation No Service

EFT Charges- inward No Service

EFT Charges- outward No Service

NEFT Upto Rs. 1.00 Lakh . Rs 5

1)Rs 1 to 5 Lakhs --- Rs. 25

RTGS-Outward
2)Above Rs 5 Lakhs - Rs. 50

Upto Rs. 10000 - Rs, 50

Collection of Cheques Rs. 10000 to Rs 1,00,000.Rs. 100/-

Rs.100001 and above Rs. 150/-

Remittance Facilities through other banks
Remittance Facilities through other bank

DD- Issue

Other Bank charges + Rs.0.50 ps- per Rs.1000/-

DD-Cancellation

Other Bank charges + Rs.10/- per instrument

DD-Duplicate

Other Bank charges + Rs.10/- per instrument

DD-Revalidation

Other Bank charges + Rs.10/- per instrument

PO - Issue

NA

PO-cancellation

NA

PO-Duplicate

NA

PO-Revalidation

NA
 Foreign Exchange Transactions

Remittance Outward Other Bank charges + 0.25%

Remittance Inward Other Bank Charges + Rs.100/-

TCs - Selling Other Bank Charges + Rs.100/-

TCs – Encashing Other Bank Charges + Rs.100/-

TCs - Foreign Currency Other Bank Charges + Rs.100/-

Cheque Collections

Rs. 5/- per Rs.1000/-

Outstation through own bank

Minimum Rs. 10/- and Maximum Rs.1,000/- +
postage @ actuals

Outstation through another bank Other bank charges + Rs.10/- per instrument

Bouncing of cheques- Local (Outward) Rs. 50/- per instrument

Rs.2/- per Rs.1,000/-

Bouncing of cheques- Local (Inward) including
ECS debit returns
Minimum Rs.50/- Maximum Rs. 2,500/-

Bouncing of cheques - outstation - through own

Rs. 50/- per instrument
bank

Bouncing of cheques - outstation - through

Other bank charges + Rs.10/- per instrument
another bank

Service Charges - Retail Loans

Loan Application Form Charges

Rs.100/- (inclusive of Service Tax)

(w.e.f. 28th May, 2009)

Loan Processing Charges

Non Refundable *

Rs. 500/- + Service Taxes (at actual)

In addition to above following charges

are levied -

- Upto Rs.10 lacs - 0.25% of the

sanctioned amount
- Above Rs.10 lacs to Rs.50 lacs - 0.50%
of the sanctioned amount

Maximum Rs. 2 lacs

(w.e.f. 28th May, 2009)

Prepayment Charges

2% of the outstanding amount at the

time of pre-closure of the credit facilities

No due Certificate

Rs. 25/- per certificate

Solvency Certificate

Amount

Charges per certificate

Upto Rs.10 lacs

Rs.1,000/-

Rs.10/- lacs to Rs.25/- lacs

 Cards (ATM / Credit Cards / Debit Cards etc.)

ATM

Membership fee NIL

Annual Fee NIL

Renewal Charges NIL

Late Payment Charges N.A

Interest Charges N.A.

Replacement charges Actual cost of the card

Transaction Charge for Partner banks No tie-up

Transaction Charge for Non-Partner banks No tie-up

Credit Card

Membership fee No Credit Card issued

Annual Fee N.A.

Renewal Charges N.A.

Late Payment Charges N.A.

Interest Charges N.A

Replacement charges N.A.

Cash withdrawal N.A.

Debit Card

Membership fee No Debit Card issued

Annual Fee N.A.

Renewal Charges N.A.

Late Payment Charges N.A.

Replacement charges N.A.

Cash withdrawal N.A.

Miscellaneous
Our Profile
The Kapol Co-operative Bank Ltd. was established in the year 1939 by our Founder Late Rajratna Shri Khushaldas
Kurji Parekh, an Educationalist, Socialist & Reformist. The Main objective of the Bank is to service the downtrodden
and economically weaker sections of the society. The bank is striving towards fulfilling and meeting the above
objectives laid down by the Founder.

The Kapol Co-operative Bank Ltd., has maintained its decades' tradition of being the fastest growing Scheduled Co-
operative Bank in India. The Business growth is given as under -

Established in 1939
60207 Shareholders
Dividend @ 10%
Fully computerized 15 branches, 2 Extension Counters and Departments all interconnected (CORE
BANKING). The Winners of "PIONEERS IN CORE BANKING"
Customers over 250000
Audit rating 'A'
Staff over 400

THE FINANCIAL PULSE -

Financial Pulse
 (Rs. in Crores)

CATEGORY

YEAR 1991

YEAR 2008
YEAR 2009

OVERALL PERFORMANCE

Deposits
30.43
628.03
719.17
23.63 times

Advance
22.51
380.15
406.29
18.04 times

Net Profit
0.53
2.67
3.40
6.41 times

Capital
0.72
9.88
11.45
15.90 times

Reserves
3.31
55.86
51.88
15.67 times

No. of Shareholders
14402
62410
64275
4.46 times

Net NPA
OTHER DETAILS ARE -

The Bank has introduced Franking facility for Document Stamping.

The Bank has tie-up with Max New York Life Insurance for life insurance products.

The Bank was the first to introduce the new concept of "COUNTER LESS BANKING".

The Bank is amongst the first to introduce DEMAT SERVICES in May 1999. It has an active client base
of over 24000.

The Bank achieved "SCHEDULED BANK STATUS" in January, 1998 and "MULTI-STATE" status on 9th
August, 2000 with area of operation extended to Ahmedabad and Surat Districts in Gujarat State.

The Bank's Chairman Shri.K.D.Vora was elected as the Director of National Federation of Urban Co-
operative Banks and Credit Societies Ltd., (NAFCUB) New Delhi with highest number of votes on
16th June, 2000 and has also been elected as Director on the Board of the Maharashtra Urban Co-
operative Bank's Federation Ltd. for a term of 5 years from 2002-2003 to 2006-2007.

The Bank has 14 branches in Mumbai and one branch in Surat which are fully computerized.

The Bank has provided ATM facility at Vile Parle (West), Malad (W), Picket Road (Kalbaddevi) , Mulund
(W) and Kandivali (W)Branch and is in the process of providing ATM services at one more branch.

As per the RBI guidelines, the Bank has a Special Audit Committee who reviews the audit reports and
the effectiveness of control and compliance with regulatory guidelines.

CORE BANKING SOLUTION : The Bank has established its Core Banking Solution and interconnected
all its Branches and ATMs to provide quick & quality services to the customers which facilitates "ANY
WHERE AND ANY BRANCH BANKING".

DATA CENTRE : The Bank has interconnected all its branches with its Data Centre and is offering Core
Banking Solution to its customer.

REAL TIME GROSS SETTLEMENT (RTGS) : The Bank is an active member of "Real Time Gross
Settlement System" introduced by the Reserve Bank of India.
…