CENTRAL MADHYA PRADESH GRAMIN BANK

SCHEDULE OF SERVICE CHARGES (REVISED w.e.f. 01.04.2014)

Schedule I - BASIC BANKING SERVICES

(Service charges as under are exclusive of service tax and cess, 

which would be levied at appropriate rates over & above the charges)

I. PART A - DEPOSIT ACCOUNTS.

 

SR.

No.

Particulars

Existing

Revised(Effective from 01.04.2014)

1

MICR & NON-MICR Cheque Book charges.

a) SB A/C & No Frill A/C.

Up to 30 leaves per year -- -Free > 30 leaves - Rs.3.00 per leaf

Up to 30 leaves per year -- -Free > 30 leaves - Rs.3.00 per leaf

b) CD/CC/OD A/C S.

At the time of opening of New a/c-

One chq book of 50 leaves -Free

All additional chq Books -

Rs 3.00 per leaf

At the time of opening of New a/c-

1st chq book of 50 leaves -Free

All additional chq Books -

Rs 3.00 per leaf

2

Issue of Passbook / Balance Certificate.

2.1

Issue of Pass Book/Statement of A/C at monthly intervals.

Free

Free

2.2

Issue of Balance Certificate / Interest Certificate at request of customer.

Per Balance Certificate. - Rs.75/- Interest. Certificate. - Free

Per Balance Certificate. - Rs.75/- Interest. Certificate. - Free

3

Issue of Duplicate Pass Book / Statement of A/C.

Per Pass Book with last balance -

Rs.50/-

Per previous entries - Rs.100/- (per ledger page of 40 entries)

Per Pass Book with last balance -

Rs.50/-

Saving Non-Individual Account Rs.100/

For previous entries - Rs.100/- (per ledger page of 40 entries)

4

Stop Payment Instructions.

Per instrument / SB - Rs.75.

Per instrument / CD - Rs.100/-

For range of Cheques /SB -

Rs.400/- For range of Cheques/CD - Rs.600/-

Per instrument / SB - Rs.75./

Per instrument / CD/CC/OD - Rs.100/-

For range of Cheques /SB - Rs.400/

/- For range of Cheques/CD/CC/OD - Rs.600/-

5

Balance Enquiry

-Free

-Free

6

Closure of A/CS. (within one year)

SB Account

Current Account

Without Cheque book /SB - Rs.100/-

With Cheque book / SB - Rs.150/-

CD/ Individuals/ Prop./ Firm- Rs.300/-,

CD/Company- Rs.500/-.

Without Cheque book /SB - Rs.100/-

With Cheque book / SB - Rs.200/-

Individuals/ Prop./ Firm/Company - Rs.500/-,

.

7

Return of cheques

7.1

Return of cheques (Inward) involving outlay of Bank’s Fund.

For Financial reasons - Rs.200/- + interest @ Base rate + 4% for no. of days Bank remains out of fund.

For Other reasons - Rs.100/-

A. Financial Reasons :

(i) Cheque amount less than Rs.25 Lakhs

Rs.200/- + interest BPLR+2% for

no. of days Bank remains out of fund.

(ii) Cheque amount Rs25 Lakhs but less

than Rs. 1 crore

Rs.500/- + interest @BPLR+2% for

no. of days Bank remains out of fund.

(iii) Cheque amount Rs. 1 crore and above

Rs.700/- + interest BPLR+2% for

no. of days Bank remains out of fund.

B. Other Reasons - Rs.200/- per instrument

.

7.2

Return of cheques (outward

Per instrument - Rs.100/-

A. Financial Reasons :

(i) Cheque amount less than Rs.25 Lakhs

Rs.200/- + interest @ BPLR+2% for

no. of days Bank remains out of fund.

(ii) Cheque amount Rs25 Lakhs but less

than Rs. 1 crore

Rs.500/- + interest @ BPLR+2% for

no. of days Bank remains out of fund.

(iii) Cheque amount Rs. 1 crore and above

Rs.700/- + interest @ BPLR+2% for

no. of days Bank remains out of fund.

B. Other Reasons - Rs.100/- per instrument

8

Attestation of Customer signature/ photo

Per instrument/per occasion- Rs.50/-

Per instrument/per occasion. Rs.50/-

*Point Of Sale

9

Ledger Folio charges

Free

9.1

Saving A/Cs

Free

Free

9.2

Current A/Cs.

Per ledger folio -Rs. 70/-

Subject to free folio per annum as under:

Avg. cr. Bal.(Rs.) No. of Free

Folios

Upto 50,000 Nil

>50,000-1 lacs 4

>1 lac-2 lacs 6

>2 lacs all

Free

9.3

CC/OD A/Cs.

Per ledger folio. -Rs. 70/-

Free

Charges for excess debit entries in SB Accounts

Upto 50 entries per half year Free

more than 50 entries Rs.10/-per entry

( will not include transaction to alternate

channel/ Net Banking)

10

11

Change of authorized signatory in respect of Company/Current/CC/OD A/cs.

Per occasion -Rs.150/-

(exempted in case of death)

Per occasion -Rs300/-

(exempted in case of death)

12

Addition/ Deletion of names in joint a/c /Nomination / Change in operational instructions including SDV lockers.

First option -Free Subsequent changes -Rs-50/- (per occasion)

First option -Free Subsequent changes -Rs-100/- (per occasion )

13

Inoperative A/Cs

If minimum balance maintained-Free

If minimum bal. not maintained-Rs100/- per annum

If minimum Quarterly average balance maintained –Free

If minimum quarterly average balance not

maintained—

Saving - Rs. 50/- per quarter

Current - Rs.150/- per quarter

13.1

Loss of Token

Per token Rs.100/-

14

Incidental Charges for not maintaining quarterly average minimum balance

Charges for not maintaining minimum QAB

14.1

Saving Bank Accounts

Category Of Branch Minimum QAB*

Rural 250/-

Semi-urban 500/-

Urban 1000/-

Metro 1000/-

*Quarterly Average Balance

Per quarter -Rs. 50/-

Per quarter - Rs. 75/-

Per quarter -Rs. 100/-

Per quarter -Rs. 50/-

Per quarter - Rs. 100/-

Per quarter -Rs. 150/-

Per quarter Rs.200/-

14.2

Current Deposit Accounts

Category Minimum QAB

Rural 3,000/-

Semi-urban 3,000/-

Urban 5,000/-

Metro 7,000/-

Per quarter -Rs. 200/-

Per quarter -Rs. 300/-

Per quarter -Rs. 400/-

Per quarter -Rs. 600/-

Per quarter -Rs. 200/-

Per quarter -Rs. 300/-

Per quarter -Rs. 500/-

Per quarter -Rs. 600/-

15

Standing Instruction

Per registration -Rs.50/-.

Insufficient balance - Rs.50/-

( per transaction)

Per registration -Rs.50/-.

Insufficient balance - Rs.50/-

( per transaction)


16

Issue of Duplicate Deposit Receipt

-Free

-Free

17

Issue of ATM Cards/ Debit Cards

-Free

-Free

17.1

Issue of Duplicate ATM Card/ATM PIN

Per Card replacement. -Rs.200/- Per PIN regeneration. -Rs.50/-

Per Card replacement. -Rs.200/-

Per PIN regeneration. –Rs.50/-

18

Enquiry relating to old records

Up to one yr- per record. -Rs.100/-

> one yr- per record. -Rs.200/-

Up to one yr- per record. -Rs.100/-

> one yr- per record. -Rs.300/-

19

Issue of Solvency Certificate


a) Upto Rs.5 lac -Rs.500/-
b) > Rs. 5 lac -@Rs.150/-

per lac or part thereof.

Max Rs 15000/-

a) Upto Rs.1 lac -Rs.500/-

b) > Rs.1lac to Rs.5 lacs -Rs.1000/-

c) > Rs.5 lacs - @Rs.200/- per

lac or part thereof.

Max Rs.20000/-

19.a

SMS Alert

n/a

No Charges

20

Postal Tariff

Ordinary Post -Rs.15/-

Regd/courier/fax -Min.Rs.50/-

(dometic/foreign) or actual

whichever is higher

Ordinary Post -Rs.15/-

Regd/courier/fax -Min.Rs.50/-

(dometic/foreign) or actual

whichever is higher

21

Safe Custody Charges

1.Account opening charges

2.Sealed Covers

3.Sealed Boxes

Free

Per cover p.a Rs.500/-

Per box p.a Rs.3000/-

22

Cash Handling Charges

Not applicable

(1)All types of accounts except SB and

Term Deposit

(2) No charges upto 1000 pieces ( 10

packets)

(3) Above 1000 pieces @ Rs.10/-per

packet (i.e.100pieces) Maximum

Rs.10,000/-

 

 

  II. PART B - REMMITANCE FACILITIES

1

Issue of DD
1. Upto Rs.10000
2. Above Rs.10001 uptoRs. 100000


3. Above Rs. 100001

Rs.30/- per DD

Rs.4/- per thousand or part thereof Min Rs 40/-

Rs3.50/- per thousand or part thereof Min. Rs.400/- and Max. Rs.12000/- + 25% for cash handling charges.

Rs.50/- per DD

Rs.4/- per thousand or part thereof

Min Rs 50/-

Rs.4/- per thousand or part thereof

Max.

Rs.12000/- + 25% for cash charges.

2

Cancellation of DD

Rs.100/- per DD.

Rs.100/- per DD

3

Revalidation of DD

Rs.100/- per DD

Rs.100/- per DD

4

Issuance of Duplicate DD

Rs.100/- per DD

Upto Rs.10000/-

Rs.100/- per DD

Rs.10001/-to Rs.1 Lac Rs.150/- per DD

Above Rs.1 Lac

Rs.200/- per DD

5

Bankers' Cheque/PayOrder- Issue

1. Upto Rs.10000

2. Above Rs.10001 uptoRs. 100000


3. Above Rs. 100001

Rs.30/- per BC

Rs.4/- per thousand or part thereof Min Rs 40/-

Rs3.50/- per thousand or part thereof Min. Rs.400/- and Max. Rs.12000/- + 25% for cash handling charges

Rs.50/- per BC

Rs.4/- per thousand or part thereof

Min Rs -50/-

Rs.4/- per thousand or part thereof

Max.

Rs.12000/- + 25% for cash charges

6

Cancellation of Banker Cheque/Pay Order

Rs.100/- per BC.

Rs.100/- per BC

7

Revalidation of Banker Cheque/Pay Order

Rs.100/- per BC.

Rs.100/- per BC.

8

Issuance of Duplicate Banker Cheque/Pay Order

Rs.100/- per BC.

Rs.100/- per BC

9

ECS Debit Return Charges

Returning. Charges Rs.100/-

Returning. Charges Rs.100/-

10

NEFT

Inward

Outward

Up to Rs.1 lac-

A bove Rs.1 lac to less than 2lacs

FREE

Rs.5/-

Rs.15/-

FREE

Up to Rs.1 LAC FREE

Above Rs 1 lac upto Rs. 2 lacs Rs.. 15/-

Above Rs. 2 lacs Rs.-. 25/- -

11

RTGS

Inward

Outward

Rs.2 lacs to Rs.5 lacs.

above Rs.5 lacs.

FREE

Rs.25/-

Rs.50/-

Free

Rs.25/-

Rs.50/-

 

 

III PART C - COLLECTION OF CHEQUES/BILLS etc.

1

Collection of Cheques- Local

FREE

FREE

2

Collection of Cheques - Outstation

Amount upto Rs.5000/-

Amount from Rs.5001/-to Rs.10000/-

Amount above Rs10001/-to Rs 1 Lac

Above Rs 100001/-

Rs 25/-

Rs 50/-

Rs 100/-

Rs 4.50 per thousand or part thereof

Min Rs 450/-

Rs 25/-

Rs 50/-

Rs 100/-

Rs 4.50 per thousand or part thereof

Min Rs 450/-

3

Cheques for Collection–Returned Unpaid

(Outward):

i) Local cheques

ii) Outstation cheques

Note-

Postage at prescribed rate would be

levied in addition to above service charges

i) Rs.100/- per instrument

ii)50% of collection charges subject

to a minimum of Rs.100

i) Rs.100/- per instrument

ii)50% of collection charges subject

to a minimum ofRs.100

4

Collection of Bills:

1. Up to Rs. 10000

2. Above Rs.10000 upto Rs.1 lac

Schedule of collection of cheques

applicable to bills will apply to supply bills also

Rs.100/-

@ Rs.8/- per thousand or part of thereof

Min. Rs.100/- + out of pocket exp.

Max. Rs.12000/-

Rs.200/-

@ Rs.8/- per thousand or part of thereof

Min. Rs.200/- + out of pocket exp.

Max. Rs.12000/-

5

1. Charges forpresentation of usance bill

For acceptance

2.Change of original instructions

3.Post parsal for collection

NIL

Rs. 100/ per bill

Rs. 100/ per request

Usual collection charges +storage

Charges @Rs.5/ per day

(Local & Outstation) Bills for Collection

Returned Unpaid

Local – Rs.100/- per bill

Outstation – 50% of collection charges

subject to minimum of Rs.100/-

Local – Rs.100/- per bill

Outstation – 50% of collection charges

subject to minimum of Rs.100/-

NOTE:

1. For cash transactions additional charges of 25% over the rates mentioned to be

levied.

2. In case of SIBC additional charges of 25% over the rates mentioned under (bills)

to be levied.

3. Postage at prescribed rate would be levied in addition to above service charges

NOTE:

1. For cash transactions additional charges of 25% over the rates mentioned to be

levied.

2. In case of SIBC additional charges of 25% over the rates mentioned under (bills)

to be levied.

3. Postage at prescribed rate would be levied in addition to above service charges

 

 

IV REVISED RENTAL RATES FOR SAFE DEPOSIT LOCKER (No revision existing charges to continue)

Amount in (Rs.)

Type

Dimensions

Volume in cu.cms

Rent Per Year

 

Height

Width

Depth

Rural/ Semi-urban

Urban/ Metro

Group I

A

11.74

13.33

34.29

5366.18

900

1200

A

11.43

14.92

51.75

8825.21

 

 

A-1

11.43

16.19

51.75

9576.42

 

 

A

11.43

19.05

55.88

12167.39

 

 

Group II

B

14.76

18.41

51.75

14062.11

900

1200

B

15.55

19.68

46.99

14380.06

 

 

MMO

A

13.65

26.35

45.08

16214.00

-

1200

Group III

C

11.74

34.29

46.99

18916.51

1500

2500

C-1

11.43

32.86

51.75

19436.77

 

 

C

11.43

34.13

51.75

20187.98

 

 

Group-IV

D

17.78

23.81

51.75

21907.93

1500

2500

B-1

14.76

19.68

77.72

22575.85

 

 

D-1

17.78

25.08

51.75

23076.48

 

 

B

11.43

38.01

55.88

24277.30

 

 

 

 

MMO

B/BB

19.05

26.35

45.08

22628.69

-

2500

 

 

Group-V

H-1

31.43

18.41

51.75

29943.91

1500

2500

E

15.55

41.27

46.99

30155.76

 

 

E

14.76

40.16

51.75

30675.41

 

 

Group-VI

F

26.67

34.29

46.99

42973.02

2500

3000

F

26.67

32.86

51.75

45352.47

 

 

G

17.78

50.64

51.75

46594.62

 

 

F

22.86

38.01

55.88

48554.61

 

 

MMO

C

19.05

52.70

45.08

45257.38

-

3500

Group VII

H

31.11

41.27

46.99

60330.91

3500

5000

H

31.43

40.16

51.75

65320.34

 

 

L-1

29.21

50.64

51.75

76548.31

 

 

Group VIII

L

39.37

50.64

51.75

103173.80

5000

6000

 

 

Group IX (MMO)

D

86.00

47.00

35.00

141470.00

 

11000

D

64.13

64.13

45.08

185398.57

-

11000

D

75.00

122.00

75.00

686250.00

 

15000

(locker operation for 36 time during Financial year is - free)

(New Provision : charges for locker operation for more than 36 times a year-- Rs 50/- per occasion)

IV REVISED RENTAL RATES FOR SAFE DEPOSIT LOCKER (No revision existing charges to continue)

Amount in (Rs.)

Type

Dimensions

Volume in cu.cms

Rent Per Year

 

Height

Width

Depth

Rural/ Semi-urban

Urban/ Metro

Group I

A

11.74

13.33

34.29

5366.18

1200

1600

A

11.43

14.92

51.75

8825.21

 

 

A-1

11.43

16.19

51.75

9576.42

 

 

A

11.43

19.05

55.88

12167.39

 

 

Group II

B

14.76

18.41

51.75

14062.11

1200

1600

B

15.55

19.68

46.99

14380.06

 

 

MMO

A

13.65

26.35

45.08

16214.00

-

1600

Group III

C

11.74

34.29

46.99

18916.51

2000

3300

C-1

11.43

32.86

51.75

19436.77

 

 

C

11.43

34.13

51.75

20187.98

 

 

Group-IV

D

17.78

23.81

51.75

21907.93

2000

3300

B-1

14.76

19.68

77.72

22575.85

 

 

D-1

17.78

25.08

51.75

23076.48

 

 

B

11.43

38.01

55.88

24277.30

 

 

 

 

MMO

B/BB

19.05

26.35

45.08

22628.69

-

3300

 

 

Group-V

H-1

31.43

18.41

51.75

29943.91

2000

3300

E

15.55

41.27

46.99

30155.76

 

 

E

14.76

40.16

51.75

30675.41

 

 

Group-VI

F

26.67

34.29

46.99

42973.02

3400

4000

F

26.67

32.86

51.75

45352.47

 

 

G

17.78

50.64

51.75

46594.62

 

 

F

22.86

38.01

55.88

48554.61

 

 

MMO

C

19.05

52.70

45.08

45257.38

-

4800

Group VII

H

31.11

41.27

46.99

60330.91

4500

7000

H

31.43

40.16

51.75

65320.34

 

 

L-1

29.21

50.64

51.75

76548.31

 

 

Group VIII

L

39.37

50.64

51.75

103173.80

6700

8000

 

 

Group IX (MMO)

D

86.00

47.00

35.00

141470.00

 

15000

D

64.13

64.13

45.08

185398.57

-

15000

D

75.00

122.00

75.00

686250.00

 

20000

(locker operation for 36 time during Financial year is - free)

(New Provision : charges for locker operation for more than 36 times a year-- Rs 50/- per occasion)

 

V. CONCESSION/EXEMPTION IN SERVICE CHARGES  

1. Concession in Service Charges:

2. Concession in Service Charges:

Discretionary powers for granting concession in Service Charges in case of remittances, DD, TT, RTGS, NEFT, Banker’s Cheque, Collection charges (Cheques/Bills), Deposit account charges (ledger folios Cheque Book, Cheque return charges, Minimum Balance, Standing Instruction stop payment, duplicate pass book, statement of accounts etc.) and other miscellaneous charges for ancillary services (safe custody charges, solvency certificate charges, NOC charges, Signature attestation, duplicate DD etc., revision are proposed as under:

Discretionary powers for granting concession in Service Charges in case of remittances, DD, TT, RTGS, NEFT, Banker’s Cheque, Collection charges (Cheques/Bills), Deposit account charges (ledger folios Cheque Book, Cheque return charges, Minimum Balance, Standing Instruction stop payment, duplicate pass book, statement of accounts etc.) and other miscellaneous charges for ancillary services (safe custody charges, solvency certificate charges, NOC charges, Signature attestation, duplicate DD etc., revision are proposed as under:

All the concessions in service charges are to be done maximum for 1 year after analyzing cost – benefit analysis. It has to be ensured that there is net benefit to the bank .

Delegatees

Revised

RM (Scale IV)

25%

GM (Scale V)

40%

CHAIRMAN

Full Discretion

Delegatees

Revised

RM (Scale IV)

25%

GM (Scale V)

40%

CHAIRMAN

Full Discretion

In case it amounts to net loss,GM (Scalev) will have discretionary power upto Rs.10000/- per account per year and beyond that Chairman will have full power

3. Concession in Service Charges for Advances.

Concession in Service Charges for Advances .

Discretionary powers for granting concession of Service Charges for advance (Processing, Inspection and Supervisory Charges/ Commitment Charges and commission in LC/LG for facilities sanctioned by sanctioning Authority or below under their delegated powers.

The discretionary powers for granting concession of Service Charges for advance i.e. Processing, Inspection and Supervisory Charges/ Commitment Charges and commission in LC/LG for facilities sanctioned by sanctioning Authority or below under their delegated powers.

Delegatees

Revised

RM (Scale IV)

20%

GM (Scale V)

50%

CHAIRMAN

Full Discretion

Delegatees

Revised

RM (Scale IV)

20%

GM (Scale V)

50%

CHAIRMAN

Full Discretion

Ø

4. Concession/Exemption in Service Charges.

Concession/Exemption in Service Charges .

1

Senior/Citizen

50% below the rate (for Basic Services only)

2

Defence Personnel in active service

Free

3

At par collection of Salary/Terminal dues

Free

1

Senior Citizen

50% below the rate

(for Basic

Services only)

2

Defence Personnel in active service

Free

3

At par collection of Salary/Terminal dues

Free

4

Senior Citizen/ Pensioner/ Student

Exempted

from

minimum

balance requirement

5. Free Collection/Remittance facilities. (existing/to continue)

Free Collection/Remittance facilities. (existing/to continue)

Ø Ex-Service man to meet their present requirements.

Ø Government Department attached to Ministry of Commerce/Food & Civil Supplies/Textiles & Department of State Govts./Railways/Defence etc.

Ø Government Department attached to Ministry of Commerce/Food & Civil Supplies/Textiles & Department of State Govts./Railways/Defence etc.

Ø Religious, Welfare, Service & Charitable Institution, if they are exempted from payment of Income Tax.

Ø Cheques issued by Govt. authorities representing subsidy under Government Sponsored Schemes.

Ø Collection of Salary Bills of teachers employed in Govt. runs schools/.

Ø Blind, Physical Handicapped, disabled individuals and institutions set up for their benefits.

Ø Cheques deposited by DRDA Primary Agriculture societies banking with our Bank.

Ø Pay orders/drafts for making direct payments to suppliers while disbursing loans under Govt. sponsored schemes/all borrowal disbursements.

Ø Free collection/remittance for Prime Minister’s relief fund/chief Minister’s relief fund/National Defence Fund.

Ø Dividend warrant, interest warrants and refund orders for amount up to Rs.500/-

Ø Gift cheques of our Bank are to be issued collected at par.

Ø Collection/discount of pension Bills/pension cheques of pensioners of Central/State Govts and Armed forces.

Ø Collection/discount of pension bills/cheques of freedom fighter.


Ø Religious, Welfare, Service & Charitable Institution, if they are exempted from payment of Income Tax.

Ø Cheques issued by Govt. authorities representing subsidy under IRDP and other special programmes.

Ø Salary payment of teachers employed in Govt. run schools.

Ø Blind, Physical Handicapped, disabled individuals and institutions set up for their benefits.

Ø Cheques deposited by DRDA, Farmers c0-operative societies sponsored by our Bank Primary Agriculture societies banking with our Bank.

Ø Pay orders/drafts for making direct payments to suppliers while disbursing loans under Govt. sponsored schemes/all borrowal disbursements.

Ø Free collection/remittance for Prime Minister’s relief fund/chief Minister’s relief fund/National Defence Fund.

Ø Dividend warrant, interest warrants and refund orders for amount up to Rs.500/-

Ø Gift cheques of our Bank are to be issued collected at par.

Ø Collection/discount of pension Bills/pension cheques of pensioners of Central/State Govts and Armed forces.

Ø Collection/discount of pension bills/cheques of freedom fighter.


6. Other Charges:

7. Other Charges:

i) Pensioners, Staff, Retired Staff/spouse of deceased staff, Students and Senior citizen above 60 years of age are exempted from minimum balance requirement.

i) Pensioners, Staff, Retired Staff/spouse of deceased staff, Students and Senior citizen above 60 years of age are exempted from minimum balance requirement.

ii) Waiver of processing charges in case of Bank Guarantee secured by 100% margin in the form of 100% cash and/or Bank’s own Time Deposit.

ii) Waiver of processing charges in case of Bank Guarantee secured by 100% margin in the form of 100% cash and/or Bank’s own Time Deposit.

iii) Where upfront fee is charged, processing fee should not be charged during that year.

iii) Where upfront fee is charged, processing fee should not be charged during that year.

iv) In case of renewal of Bank Guarantee, concession charges at 25% of normal charges to be charged on guarantee, fully secured by cash/deposits.

iv) In case of renewal of Bank Guarantee, concession charges at 25% of normal charges to be charged on guarantee, fully secured by cash/deposits.

8. Concession to Staff and Ex-staff:

8 Concession to Staff and Ex-staff:

Min. Balance, Incidental charges, Cheque Book charges, Remittance charges, Collection charges, Withdrawal/ Deposit in local/non- local CBS Branches.

No service charges

Min. Balance, Incidental charges, Cheque Book charges, Remittance charges, Collection charges, Withdrawal/ Deposit in local/non- local CBS Branches.

No service charges

9. Service Tax is to be recovered @ 12.36% in addition to eligible Service charges.

9 .Service Tax is to be recovered @ 12.36% in addition to eligible Service charges.