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Service Charges  

 Chapter – I
DEPOSITS
1.  (A) LEDGER FOLIO CHARGES –B B SB Accounts : No Folio Charges 
1.  (B) LEDGER FOLIO CHARGES –B B Current Accounts
Services Other than Individuals Individuals*
Other than Rural Rural
For computerised – Charges per folio per half year (40 entries or part thereof considered as one ledger page / folio) `  77 `  77 `  77
However, to the extent shown below, free folios annually are allowed depending on the daily average credit balances maintained by the Account Holders (on half yearly basis) and CC (M) accounts covered fully against Term Deposits with requisite margin, folio charges are exempted.
Up to `  25,000/- Nil Nil Nil
`  25,001/-   to `  50,000/- Nil 3 3
`  50,001/-& #160; to ` 1,00,000/- 3 5 5
` 1,00,001/- to ` 2,00,000/- 5 10 10
` 2,00,001/- to ` 5,00,000/- 10 All All
Above ` 5,00,000/- All All All

* Individuals means
a) Accounts opened in single name by individual persons
b) Accounts opened in joint names by individual persons
c) Kartha of a HUF

2. Standing instructions:
Services Other than Individuals Individuals*
Other than Rural Rural
i) Accepting and recording of standing instructions ` . 31 ` . 26 ` . 21
ii) Execution of S/I for the credit of party’s own accounts Nil Nil Nil
iii) Execution of S/I within the branch for the credit of third party’s accounts – each entry `.21 `.16 `.10
iv) Execution of S/I involving remittance of funds to other branches 50% of existing exchange on remittance without any out of pocket expenses. 50% of existing exchange on remittance without any out of pocket expenses. 50% of existing exchange on remittance without any out of pocket expenses.
v) Cancellation / revocation of standing instruction - for all types of accounts `.41 `.41 `.41

 

3. Recording of stop payment instructions per cheque* 
a) For SB Accounts `. 102 Max. `.510 `. 61 Max. `.306 `. 41 Max. `.102
b) For other accounts `. 102/- for C.A/c / CC(M) /CC (H) Max. `. 510 `. 82/- for C.A/c / CC (M) / CC(H) Max. `. 408 `.61/- for C.A/c / CC (M) / CC(H) Max. `. 306
* Service charges need not be collected while returning cheques with ‘stop payment instruction’

 

4. Non-maintenance of stipulated minimum balance as required (V-Saral, Senior citizens, staff members, pensioners, Defence personnel exempted) for general SB / Current accounts (These charges are not applicable to special schemes)
Services Other than Individuals Individuals*
Other than Rural Rural
a) Current accounts ` . 128/- per month ` . 87/- per month ` . 72/- per month
b) SB accounts ` . 102.00 per month   ` . 31.00 per month   ` . 31/- per month  
5. Incidental Charges on Inoperative / dormant Accounts
Services Other than Individuals Individuals*
Other than Rural Rural
a) Inoperative / Dormant Savings Bank Accounts
i) Where the balance is less than the required minimum balance (i.e., `. 1000/- HOC 46/2007) ` .153.00 per half year   ` . 51.00 per half year   ` . 41/-per half year
ii) Where the balance is `. 1000/- and above Nil Nil Nil
b) Inoperative / Dormant Current Accounts      
i) Where the balance is less than the required minimum balance (i.e., less than `. 2000/- )   ` . 153/- per half year     ` . 77/- per half year     ` . 41/-per half year  
ii) Where the balance is `. 2000 and above       ` . 102.00 per half year   Nil Nil

In respect of the inoperative accounts (both S B and CA) maintained at CAD, HO, Incidental Charges has to be charged at a flat rate of `.50/- per half year (in the month of September and March) until the balance available in the account irrespective of the category of the customer.

6. Non compliance with rule regarding maximum withdrawals in Savings Bank account
Services Other than Individuals Individuals*
Other than Rural Rural
If withdrawals through  cheque / withdrawal slips exceed 50 (fifty) times per calendar year `.5 per   cheque `.5 per   cheque `. 3/- per cheque [However in case of V-Saral SB account, only one cheque book of 10 leaves per year is permitted

 

7. Closure of the accounts [Except in case of death of depositor, transfer to another branch, transfer for term deposits or for opening another joint account]
Services Other than Individuals Individuals*
Other than Rural Rural
Current Account a) if closed within 12 months; b) if closed after 12 months   `.510.00 `.306.00   `.179.00 `.153.00   `.153.00 `.77.00 [However, accounts of Pensioners and Senior Citizens are exempted]
Savings Bank Account a) with Cheque book b) Without cheque book   `. 153/-
`. 61/-
  `. 133/- `. 51/-   `. 128/- `. 46/- [However, accounts of Pensioners, Senior Citizens and V-Saral Accounts are exempted]

 

8. Issue of Pass Book / Statement of Accounts / Term Deposit Receipts etc
Services Other than Individuals Individuals*
Other than Rural Rural
One time free  (Pass Book / statement of accounts may be obtained from any of our CBS branches)
Charges for duplicate
a) SB / C A/c / RD / JND / CC(M) / CC(H) / Any other type of account
i) with only the latest balance ii) For recording additional / previous entries – Per page of 40 entries ` . 41/-  
` . 51/-
` . 31/-
  ` . 41/-
` .26/-  
` . 26/-
b) Term Deposits (All cases) ` . 76/­- per receipt ` . 60/- per receipt ` . 55/- per receipt

 

9. Issuance of Cheque Books in all Centres
Services Other than Individuals Individuals*
Other than Rural Rural
i) Current / CC (M) / CC (H) a/c `. 4/- per cheque leaf `. 4/- per cheque leaf `. 3/- per cheque leaf
ii) SB accounts i) 50 free cheque leaves per calendar year. ii) `.3/- per cheque leaf over and above the 50 free cheque leaves per calendar year. i) 50 free cheque leaves per calendar year ii) `.3/- per cheque leaf over and above the 50 free cheque leaves per calendar year. i) 50 free cheque leaves per calendar year ii) `.3/- per cheque leaf over and above the 50 free cheque leaves per calendar year.
iii) Multi City Cheques (CC(M) and CC(H) a/cs only) `. 10/-per cheque leaf `. 10/-per cheque leaf `. 10/-per cheque leaf

 

10. Handling Charges for Cheques Returned Unpaid
Local cheques:   Cheques issued by our account holders but returned unpaid by us through clearing or across the counter for want of funds and/ or cheques deposited by our account holders but returned unpaid by other banks for want of funds:
Services Other thanIndividuals Other than Rural Rural
(a) In case of SB Account (i) cheque received and deposited by our account holder ` .61.00 for deposited cheque returned   ` .36.00 for deposited cheque returned ` .31.00 for deposited cheque returned
(ii) cheque issued by our account holder   ` .204/- for issued cheque returned. ` .102.00 for issued cheque returned ` . 61.00 for issued cheque returned
(b) In case of Current / CC(M)/ CC(H)/ Accounts(i) cheque received and deposited by our account holder   ` .61.00 for deposited cheque returned   ` .61.00 for deposited cheque returned   ` .61.00 for deposited cheque returned
(ii) cheque issued by our account holder ` . 255.00 for issued cheque returned   ` .163.00 for issued cheque returned     ` . 133.00 for issued cheque returned  

 

11.      Handling charges on return of ECS :  Charges as applicable to cheque return of SB / Current accounts

 

12. Enquiry on CBS platform, upon written request and after verifying specimen signature
Services Other than Individuals Individuals*
Other than Rural Rural
a) Balance enquiry Nil Nil Nil
b) Statement of account / Pass Book
i) At parent CBS branch (First time) Nil Nil Nil
ii) At other CBS branches     - First Time     - Charges for duplicate pass book /     statement of account   Nil As indicated under item      No.(8) (b) above

 

Chapter II
REMITTANCES
1. Exchange on Remittances - DD / Pay orders / local DDs, etc.
Services Other than Individuals Individuals*
Other than Rural Rural
Up to ` 1, 000/- ` .31.00   ` . 26.00   ` .21.00  
Above `  1,000/- up to ` 10,000/- ` .41.00   ` .36.00   ` .31.00  
Above ` 10,000/- up to `. 1 lakh ` 2.60 per thousand or part thereof with a minimum of `.51/- ` 2.60 per thousand or part thereof with a minimum of `.41/- ` 2 per thousand or part thereof with a minimum of `.36/-
Above `  1.00 lakh up to `.10 lakhs `.2.60 per thousand or part thereof with a minimum of ` 255/- `.2.30 per thousand or part thereof with a minimum of ` 255/- `.2 per thousand or part thereof with a minimum of ` 204/-
Above `.10 lakhs ` 2.30 per thousand or part thereof, with a minimum of `.2547/- and maximum of `.12225/- `.2.00 per thousand or part thereof, with a minimum of `.2343/- and maximum of `.10187 `.2.00 per thousand or part thereof, with a minimum of `.2343/- and maximum of `.10187/-

 

2. Issue of DD / Pay orders / local DDs, etc., against tender of cash
a. Up to `.25,000/- Applicable Normal rate  
b. Above `.25,000/- subject to obtaining of PAN where the amount is `. 50,000/- and above 150% of normal charges (both in rate and cap)


3.Demand Drafts / POs - Issue of Duplicates / Cancellations / Revalidations/ Fresh issue, etc
Services Other than Individuals Individuals*
Other than Rural Rural
a) Issue of fresh demand draft in lieu of lapsed / misplaced / lost demand drafts & duplicate Pay Orders `. 102.00 per instrument   `. 61.00 per instrument   `. 51.00 per instrument
b) Cancellation of Drafts/Pay Order `. 51.00 per instrument `.51.00 per instrument `.51.00 per instrument
c) Revalidation of Pay Orders `. 102.00 per instrument `. 61.00 per instrument `. 51.00 per instrument

4. A. Cash deposit (per day per account)

  • At parent Branch :
    For SB accounts : Nil
    For Current / CCM / CCH accounts : as shown below
    i) upto and inclusive    of ` 1.00 lakh    Nil  
    ii) Above ` 1.00 lakh @ ` 51/- per lakh for the entire amount of remittance (without exemption for the first ` 1.00 lakh) and in multiples of ` 51/- with a maximum of ` 2547/- per account per day
  • (b) Cash remittances at 'other than parent branch'*
    Cash remitted by Within the clearing centre Outside the clearing centre
    By the account holder (Self) i) Remittance to Savings Bank Account : No Charges   For Current / OD / CC A/c   ii) Upto `.1.00 lakhs – No charges i) Remittance to Savings Bank Accounts : No charges upto a maximum of `.20,000/- and 50% of normal charges, as applicable to DD, for all remittance beyond `.20,000/- on the entire remittance, both in rate and cap.
      ii) Above `.1.00 lakhs – at the rate of `.51/- per lakh for the entire remittance     ii) Remittance to Current / OD / CC Accounts : 50% of normal charges, as applicable to DD, for the entire cash remittance, both in rate and cap.


    Cash remitted by
    Within the clearing centre Outside the clearing centre
    By third party i) Remittance to Savings Bank Accounts : i) Remittance to Savings Bank Accounts :
      (a)     No charges upto `.20,000/-   (a)     No charges upto a maximum of `.20,000/-
    (b)     beyond `.20,000/-    charges, as applicable to DD, on the entire remittance. (b)     For all remittances beyond `.20,000/- : charges as applicable to DD, on the entire remittance.
      ii) Remittance to Current / OD / CC Accounts : normal charges, as applicable to DD, for the entire cash remittance   ii) Remittance to Current / OD / CC Accounts : normal charges, as applicable to DD, for the entire cash remittance
    * Cash Limit: Unlimited subject to complying with KYC guidelines and obtaining copy of the PAN card for Remittance above `.50,000/-

4. B. SERVICE CHARGES ON CASH WITHDRAWAL  

If cash is withdrawn at CBS branches in the same clearing zone of the base branch (self-withdrawal within the limit indicated below*): Nil
If cash is withdrawn at CBS branches outside the clearing centre of the base branch:
a) Up to `. 10,000/- Nil
b) Above `. 10,000/- [Within the ceiling limit* as detailed below]   *   i) SB : `.50,000/- per day     ii) Current : `.1,00,000/- per day `. 2.30 per thousand or part thereof (to be debited to the drawer's account)

 [The paying branch should collect the charges to the debit of drawer's account procedurally/ manually]

EXEMPTION ON SERVICE CHARGES

The following category of accounts are exempted for levy of Service Charges.

  • No charges for remittance to Savings Bank account, term loan accounts, term deposit accounts, Special Watch accounts and NPA accounts.
  • No charges for cash remittance upto ` .100000/- per day per account (cumulative) for Current / CCM / CCH accounts.
  • No charges for Current / CCM / CCH accounts for cash remittance on maintenance of average credit balance of ` .5 lakhs during the last six months.

5. Electronic Funds Transfer (including Intersol)

  • Inward RTGS / NEFT / ECS transactions - free, no charge to be levied.
  • Intersol transactions

    (i) From customers own account to either own account or third party account with any CBS branch located in the same clearing centre Nil
    (ii) From customer's own account to his another account with any CBS branch, irrespective of location, including funds transfer through V-Net banking. Nil
  • Transfer of funds (through RTGS, NEFT, INTERSOL, V-Net, etc.) to own / third party accounts at any CBS branch located outside the clearing centre :
    Electronic Funds Transfer System Value Band Service Charges inclusive of Service Tax
    RTGS i)    Above . 2 lakhs to . 5 lakhs . 29/-
    ii)  Above . 5 lakhs . 57/-
    In addition to the above , Time varying charges on Outward RTGS transactions are charged as given below
    BLOCK TIME OF RECEIPT OF RTGS APPLICATION Charge per transaction
    From To
    1 09.00hours 11.45 hours  
    2 After 11.45 hours 15.15 hours  
    3 After 15.15 hours 17.15 hours  
    4 After 17.15 hours -  
    NEFT i)    Upto . 1 lakh NIL w
    ii)   Above . 1 lakhs to . 2 lakhs . 18/-
    iii) Above . 2 lakhs .  29/-
    RTGS / NEFT transactions by receiving cash (either direct or deposit to the account for effecting the transfer on the same day)*
     i) Upto  . 25000/- Charges as applicable to NEFT
    ii) Above  . 25000/- .   51/- per lakh or part thereof in addition to the regular RTGS / NEFT charges
     *  Cash limit : Unlimited subject to complying with KYC guidelines and obtaining copy of the Pan Card for Remittance above . 50000/-

 

Chapter - III
COLLECTIONS OF BILLS AND CHEQUES
  1. BILLS
    Bills for collection – outward / inward (Clean / Documentary / Demand & Usance Bills / Supply Bills)
    i)        Upto and inclusive of `.10,000/- ` 102/-
    ii)       Above ` 10,000/- Upto and inclusive of  ` 10,00,000/- `  8/- per thousand or part thereof with a minimum of ` 102/-
    iii)      Above ` 10,00,000/- ` 7/- per thousand or part thereof with a minimum of ` 8150/- and maximum of `  15,281/-
  1. SERVICE CHARGES FOR OUTSTATION CHEQUE COLLECTION (as per RBI directives)
    Particulars Revision proposed by our Bank ( ` ) Including Service tax @ 10.30%
    SB Accounts ( ` ) Other than Savings Bank Accounts ( ` )
    Up to and including 5,000 29/- 57/-
    Above 5,000 and up to and including 10,000 57/- 57/-
    Above 10,000 and up to and including 1,00,000 113/- 113/-
    a) Above 1,00,000 to 5,00,000   b) Above 5,00,000 to 10,00,000   c) Above 10,00,000 225/- 254/- 281/- 225/- 254/- 281/-
  2.  CHEQUE INVOLVING MORE THAN TWO CITIES / CENTRES
    Clearing cheques drawn on any other banks can be deposited in CBS branches at the centres other than where the customer has the account and amount will be collected and credited to the customers account maintained with any of the CBS branches
    Charges as applicable to outstation cheques collection    (as under (b) above) – This supersedes HO Circular No. 10100

    E. Collection of Fixed Deposit Receipts
      a) Our Bank Deposit Receipts    Nil
    b) Deposits of other Banks: i) Where entire proceeds are deposited in term deposits with our Bank for not less than 12 months   (However, out-of-pocket expenses and other bank charges to be collected) Nil
    ii) Otherwise (i.e in all other cases where the proceeds are not deposited in term deposits of not less than 12 months) As applicable to collection of cheques (as under (b) above)
    F.  Return of OBC and Local / Outstation Bills
    In all cases   50% of the prescribed collection charges as prescribed above subject to a minimum of `.100.00 50% of the prescribed collection charges as prescribed above subject to a minimum of `.76.00 50% of the prescribed collection charges as prescribed above subject to a minimum of `.60.00
    G.   Handling charges on Post Parcel along with the bills
      i) If the party retires the parcel immediately on presentation Nil Nil Nil
    ii) Otherwise Handling charge of `.21 per parcel per day with a minimum of `.50.00 Handling charge of `.10 per parcel per day with a minimum of `.21 Handling charge of `. 5.00 per parcel per day with a minimum of `.16

Handling Charge is to be credited to Incidental Charges Account and Postal Tariff to Postage.

7. Fate Enquiries at the instance of the customer
Services Other than Individuals Individuals*
Other than Rural Rural
By telegram / telex or telephone `.50.00 + Actual cost of telegram / telephone `.25.00 Actual cost of telegram / telephone `.21 + Actual cost of telegram / telephone

 

Chapter - IV
GENERAL MATTERS

 

1. Safe Custody charges
a) Sealed cover / packed `  510 minimum per cover p.a. or its multiples
b) Scrips ` 26/- per scrip with minimum of ` 255 p.a. or part thereof
c) Sealed box :  
        10X10X10 CC Minimum ` 510/- p.a. or its multiples
        20X20X20 CC Minimum ` 1019/- p.a. or its multiples
        30X30X30 CC Minimum ` 1528/- p.a. or its multiples

Note: The above charges are only indicative. Depending upon the size of the box / cover / packet, branches can charge higher in consultation with R.O.

2. Charges on operational instructions
Involving registration of documents such as power of attorney / board resolutions/ authorisation ` . 82.00 per occasion ` . 41.00 per occasion ` . 31.00 per occasion
3. Attestation charges [Branch Head / Senior Manager and above in special category branches like VLB / ELB] with proper records*
Attestation / verification of signatures, true / Xerox copies of documents / papers, etc. a) At Metro, Urban and semi-urban centres: ` 10/- per page subject to a minimum of `  26/- and a maximum of ` 102/- per document.   b) Rural centres: ` 5/- per page subject to a minimum of ` 10/- and a maximum of ` 102/- per document a) At Metro, Urban and semi-urban centres :   ` 10/- per page subject to a minimum of ` 26/- and a maximum of           b) ` 102/- per document.     `  5/- per page subject to a minimum of ` 10/- and a maximum of       ` 102/- per document

* to be collected manually

 

Certificates issued on behalf of clients by the branches / offices, like Certificate of constitution, Certificate of ownership / Names of partners, Proprietors etc.

4. Certification fee
Services Other than Individuals Individuals*
Other than Rural Rural
` 150.00 per occasion ` 100.00 per occasion ` 60.00 per occasion
Issue of No Objection Certificate (NOC) and No Due Certificate (NDC) ` 150.00 per occasion ` 100.00 per occasion ` 60.00 per occasion
Note:  No charges to be levied – (i) for issuing NOC/NDC to the applicants belonging to weaker sections / Government sponsored schemes (ii) TDS, interest certificate (both loans and deposits) with or without balance. For agriculture and priority sector advance - ` 21/- SGH – ` 10/- per each member 

5. SMS Alerts service charges w.e.f from the quarter ending 31.03.2014

Category of Account
Charges
Current / OD / CC
Rs 15/- per quarter
Savings Bank Account
Rs 10/- per quarter
Staff SB /OD A/cs, V-Basic SB, V-Basic SB Small A/cs, Platinum CA/SB, Premium SB A/cs,  Pension a/cs are exempted from levying SMS alerts charges.

 

6. Other charges
  Postage / Postal tariff 140% of Actual expenses 125% of Actual expenses 110% of Actual expenses
  Loss of token `. 112/- per token toward cost `. 102/- per token toward cost `. 92/- per token toward cost

 

Chapter - V
SAFE DEPOSIT LOCKERS

RENTAL RATES OF SDL PER YEAR
(In `)
Area of the Locker in Cubic inches Rural   Semi-urban   Urban   Metro  
Up to 750 734 734 795 907
751 to 1100 795 795 907 1019
1101 to 1600 1579 1691 1803 2252
1601 to 2100 1691 1915 2017 2588
2101 to 3100 2924 3148 3148 3372
3101 to 4100 3372 3372 3596 3820
4101 to 6500 4503 4503 4503 4503
Chapter - VI
DEBIT/CREDIT CARDS*
[ ALL CHARGES ATTRACT APPLICABLE SERVICE TAX]
(which is presently @ 12.36%)

 

Services Other than individuals Individuals
Other than rural Rural
A. CREDIT CARDS
a) Entrance Fee
i) Classic 306 306 306
ii) City Specific / Classic International 408 408 408
iii) Gold 1019 1019 1019
iv) Global 1019 1019 1019
b) Annual fees
i) Classic 306 306 306
ii) City Specific / Classic International 408 408 408
iii) Gold 1019 1019 1019
iv) Global 1019 1019 1019
c) Transaction charges
i) Vijaya Bank’s ATM cash withdrawal and at branches 3% 3% 3%
ii) Cash withdrawal at other banks ATMs in India 3% + `. 77/- per transaction 3% + `. 77/- per transaction 3% + `. 77/- per transaction
iii) Cash withdrawal at other banks ATMs abroad 3% + `. 102/- per transaction 3% + `. 102/- per transaction 3% + `. 102/- per transaction
d) Other charges
i) Hot listing of the card `. 204 `. 204 `. 204
ii) Card replacement `. 153 `. 153 `. 153
iii) Surcharge 2.50% or `.10/- whichever is higher on transactions at Railways / Petrol Pumps 2.50% or `.10/- whichever is higher on transactions at Railways / Petrol Pumps 2.50% or `.10/- whichever is higher on transactions at Railways / Petrol Pumps

 

Services Other than individuals Individuals
Other than rural Rural
iv) Mark up on international transactions 2.50% of the transaction amount 2.50% of the transaction amount 2.50% of the transaction amount
v) Duplicate statement `. 26/- `. 26/- `. 26/-
B. DEBIT CARDS
a) Card fees
i) Entrance fee
Non-photo card Free Free Free
Photo Card `. 102 `. 102 `. 102
ii) Hot listing `. 51/- `. 51/- `. 51/-
ii) Card replacement `. 102/- `. 102/- `. 102/-
iii) PIN re-generation `. 26/- per request `. 26/- per request `. 26/- per request
iv) Cancellation charges (Applicable if cancelled in the first card year] `. 102/- `. 102/- `. 102/-
b) Transaction charges
i) Vijaya Bank’s ATM cash withdrawal and balance enquiry / mini statement / PIN change Free Free Free
ii) NFS ATMs in India Cash withdrawal` 21/-*Balance enquiry :Nil Cash withdrawal` 21/-*Balance enquiry :Nil Cash withdrawal` 21/-*Balance enquiry :Nil
iii) Other banks’ ATMs in India Cash withdrawal` 21/-*Balance enquiry :Nil Cash withdrawal` 21/-*Balance enquiry :Nil Cash withdrawal` 21/-*Balance enquiry :Nil
iv) Other banks’ ATMs abroad Cash withdrawal `. 128/-Balance Enquiry `. 26/-Decline Transaction `. NIL Cash withdrawal `. 128/-Balance Enquiry `. 26/-Decline Transaction `. NIL Cash withdrawal `. 128/-Balance Enquiry `. 26/-Decline Transaction `. NIL
* For SB account holder five free cash withdrawals per month is allowed in ATMs  of other Banks
c) Other charges
Services Other than individuals Individuals
Other than rural Rural
i) Surcharge 2.50% or `. 10/- whichever is higher on transactions at Railways / Petrol Pumps 2.50% or `. 10/- whichever is higher on transactions at Railways / Petrol Pumps 2.50% or `. 10/- whichever is higher on transactions at Railways / Petrol Pumps
ii) Charges for copy of charge slip
For transactions at our merchants `. 102/- `. 102/- `. 102/-
For transactions at other banks’ merchants Actuals with a minimum of `. 102/- Actuals with a minimum of `. 102/- Actuals with a minimum of `. 102/-
iii) Mark up on international transactions 2.50% of the transaction amount 2.50% of the transaction amount 2.50% of the transaction amount

 

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