WELCOME TO THE FATEHGARH SAHIB CENTRAL COOPERATIVE BANK LTD.   -   IFS Code : UTIB0SFGH01  -   LICENSE NO. RPCD.(CHD) (FGS) PB-06           “COMMITED TO DEVELOPMENT”.    Expression of Interest                                                                             


Service Charges

SERVICE CHARGES

 

Postal Charges for all service Charges in the circular to be charged

 

  Only actual Postal Charges.

 

Processing Fee

Cash Credit Traders

 

 

 

 

Processing fee @ 0.25% shall be charged at the time of sanction of C.C. limit. These charges of 0.25% shall be levied every year.  

 

Processing Fee of Loans

 

a)Vehicle Loan

 

b)Consumer Loan

 

 

c)Personal Loan          

 

 

d)N.F.S  

 

Ø  Upto Rs.500000/-

Ø  Rs.500001 to Rs.10.00 lacs/-

Ø  Above Rs.10.00 lacs/-

 

 

 

e)Two Wheelers          

 

 

 

f)House Loan

 

 

 

 

 

g)Education Loan

 

 

 

 

 

Ø  0.50% of the loan amount maximum Rs.2000/-. Staff is exempted from charges.

Ø  Rs.500/- will be charged one time Irrespective of the loan amount. Staff is exempted from charges.

Ø  Rs.500/- will be charged one time time irrespective of the loan amount. Staff is exempted from charges.

 

 

 

Ø  0.50% of the sanctioned amount

Ø  0.40% of the sanctioned amount minimum Rs.2500/-

Ø  0.25% of the sanctioned amount minimum Rs.4000/- maximum Rs.10000/-

 

Ø  0.50% of the sanctioned amount maximum Rs.200/-

 

 

Ø  0.50% of the sanctioned loan amount maximum Rs.5000/- in case of Urban House Loan maximum Rs.1000/- in case of Rural House Loan.

 

 

Ø  No Charges upto Rs.2.00 lac.

Ø   Above Rs.2.00 lacs : 0.5% of the sanctioned amount.

 

 

 

 

 

 

 

Collection of Cheque/D.D

Outstation Cheques

 

Ø  Upto Rs.1000/-

Ø  Rs.1001 to Rs.5000/-

Ø  Rs.5001 to Rs.10000/-

Ø  Rs.10001 to Rs.100000/-

            .

Ø  Rs.100001 to Rs.1000000/-   

 

 

 

Ø  Above Rs.1000000    

 

 

 

 

 

Ø  Rs.10/- + Postal Charges

Ø  Rs.25/- + Postal Charges

Ø  Rs.35/- + Postal Charges

Ø  Rs.4.00 per thousand Postal Charges.

Ø  Rs.3.50 per thousand minimum Rs.400/- (maximum Rs.2500/-) Postal Charges

Ø  Rs.3.00 per thousand (maximum Rs.10000/-) + Postal Charges

(If depositor keeps the deposit minimum for 6 months in B.O., then only postal charges will be levied.

 

Collection of Bills

 

Ø  Upto Rs.1000/-

Ø  Rs.1001 to Rs.5000   

Ø  Rs.5001 to Rs.10000

Ø  Rs.10001 to Rs.10000

 

Ø  Rs.100001 to Rs.1000000

 

           

Ø  Above Rs.1000000    

 

 

Ø  Rs.25/ + Postal Charges

Ø  Rs.50/ + Postal Charges

Ø  Rs.75/ + Postal Charges

Ø  Rs.7.00 per thousand or part thereof + Postal Charges

Ø  Rs.5.00 per thousand or part thereof minimum  Rs.600/- + Postal Charges

Ø  Rs.4.50 per thousand or part thereof minimum Rs.5000/- + Postal Charges

Ø  No collection charges to be levied for collection of local

Cheques /drafts

Ø  However out of pocket expenses be recovered in full

Ø  Collection charges in case of outstation cheques/bills should be levied on the gross amount of the instalment.

 

Cheques/Bills returned unpaid

 

Ø  Local Cheques/Bills   

Ø  Outstation Cheques/Bills

 

 

Ø  Rs.100/- per instrument

Ø  50% of collection charges

Ø  Of Rs25/- + Postal Charges

 

 

 

 

 

 

 

Collection of Other Bank’s Deposit receipt On maturity

 

Ø  Collecting bank levy charges as applicable to remittance. In case of local collection, charges will be as applicable to Banker’s cheques/Pay orders be levied.

 

Remittances of Funds

 

a)  Issuance of Demand Draft

 

Ø  Upto Rs.10000/-

Ø  Above Rs.10000/-

 

 

b)  Issuance of Duplicate Draft

 

Ø  Upto Rs.100000/-

Ø  Above Rs. 100000/-   

 

 

c)Revalidation/Cancellation of Draft  

 

 

 

 

 

d)Remittance against lender of Cash

 

 

Remittancee of Banker’s Cheque

           order

 

Ø  Upto Rs.10000/-

Ø  Above Rs. 10000

 

        

Remittance of Duplicate Bankers Cheques order

           

Ø  Upto Rs.10000/-

Ø  Above Rs.10000

 

Validation/Cancellation of Draft           

 

 

 

 

 

 

 

 

Ø  Rs.25/-

Ø  Rs.2.50 per thousand or part thereof and maximum Rs.10000/-

 

 

 

 

Ø  Rs.50/-

Ø  Rs.100/-

 

 

Ø  Rs.50/- per instrument

Ø  Actual postal charges incurred for having taken up the matter with the drawee bank, in case of cancellation of lost instruments be recovered in full.

 

 

Ø  Additional charges @ Rs.20/- over and Above the rates prescribed

 

 

 

 

 

Ø  Rs.20/-

Ø  Rs.1.50 per thousand or pad   thereof

 

 

 

Ø  Rs.50/-

Ø  Rs.75/-

 

Ø  Rs.50/- per instrument

Ø  Actual postal charges incurred for having take up the matter with the drawee bank, in case of cancellation of lost instruments be recovered in full.

 

 

ATM /ATM card Charges

a)    Annual fee/renewal fee

b)    Additional Card

c)    Card Replacement fee

d)    Duplicate/regeneration of PIN

e)    Free of charges transactions

 

f)     Financial transaction after 5th

 

g)    Non Financial transaction after 5 free transactions

 

h)    Daily withdrawl limit

 

i)     Daily Purchase limit at PoS

 

 

 

 

 

 

 

 

Rs 100/- p.a. plus service tax

Rs 50/- plus service tax

Rs 200/- plus service tax

Rs 30/- plus service tax, per PIN

5 per month (including financial &Non financial)

 

Rs  17/- plus service tax

 

Rs  6/- plus service tax

 

Rs 25000/- per day, Rs 15000/- per transaction.

 

Rs 40000/-

 

 

 

 

 

 

 

 

NOTES:-

Ø  Every staff member entitiled for 2 drafts/payorders free of charges in a month

    These must be for his own use.

Ø  Free facility of Drafts is not applicable in case of DDs/Payorders purchased from Other Banks, staff members bear the expenses as charged by the Other Bank.

Ø  Service Tax may change , as per government guidelines.