UCO Service Charges

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http://ucobank.com/service-charges.htm 1

UCO BANKService Charges

(w.e.f. 01/04/2012)

Service Charges

A BILLS , REMITTANCES, DEPOSITS, LOCKERS & SAFE-CUSTODY

Service Charge (Rs.) (Incl. of all taxes)

Existing rateeffective from 01.09.2007

Effective from 1st May 2011Will effective from 1st April2012

1Collection ofoutstation cheques

Pre Tax Hike Post Tax Hike

Amount of cheque

Upto Rs.5000/- Rs.25/- Per instrument Rs. 26/- Per insturment Rs. 26/- Per insturment

Above Rs.5000/- uptoRs.10000/-

Rs. 55/- Per instrument Rs. 56/- Per instrument

Above Rs.10000 - uptoRs.1 lakh

Per Rs.1000/-or part thereof Rs.4.50/- Min. Rs.45/- Rs.110/- per instrument Rs.112/- per inst rument

Above Rs.1 lakhPer Rs.1000/-or part thereof Rs.4.00/-Min. Rs.450/-

Rs.165/- per instrument Rs.168/- per instrument

(i) The above charges will be all inclusive.No additional charges i.e.couriercharges, out of pocket expenses etc. should be levied from the customer.(ii)In case of outstation cheques purchased and credited to customers accouninterest amount for the period bank remains out of fund shall be realised at therate as per terms of sanction/clean OD rate as applicable. Besides normalcollection charge as per item no.1 shall be rea lised.In case of local cheques purchased, a flat rate of Rs.50/- per instrument shallbe recovered.Branches should use electronic mode like RTGS/NEFT, wherever available , toremit proceeds to the collecting brank/branch

2 Speed Clearing

Collection of high valuecheques i.e aboveRs.1 lac per chequepresented in speedclearing.

Cheques upto and inclusive Rs.1 lac- No chargeCheques valued above Rs.1 lac -Rs.165/- per instrument inclusive of

all charges

Cheques upto and inclusive Rs. 1 lac- No chargeCheques valued above Rs.1 lac -Rs.168/- per instrument inclusive of

all charges

Branches should make use of Speed clearing /National Clearing whereveravailable and levy charges as per the rates mentioned above.

Service(Processing ) charge for local clearing(by clearing house) from memberbanks

System

Drawee Bank Presenting Bank

Clearing at MICR-CPCs

Rs.1.00 Rs.2.00

Cheque Truncation Rs.1.00 Rs.1.50

2 Collect ion of Bills

A. Collection Charge

Upto Rs.10000/- Rs.75/- Per instrument Rs. 100.00 per instrument Rs. 102.00 per instrument

Above Rs.10000/-Rs. 8/-Per Rs.1000/- or part thereofMin. Rs.100/- Max. Rs. 25000/-

Rs. 8/-Per Rs.1000/- or part thereofMin. Rs.102/- Max. Rs. 25467/-

3

Handling Chargesfor Cheques / Billsreturned unpaid(Perinstrument/peroccasion)


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3.1 Local chequesreturned unpaid/outward (includingcash / transfercheques)

Per instrument Rs.75.00

Cheques upto Rs. 1 lac.Indv. Account-Rs.100/- (Rs..75for-R.Br. S. Citizen,Pensioner)Others \A/c-Rs.150/- per cheque.Cheque above Rs1 Lac- upto Rs. 1Cr.Rs. 200/- per instrumentCheque above Rs. 1 cr.Rs.600/- per instru.

Cheques upto Rs. 1 lac.Indv. Account-Rs.102- (Rs..76 for-R.Br. S. Citizen,Pensioner)Others \A/c-Rs.153/- per cheque.Cheque above Rs1 Lac- upto Rs. 1Cr.Rs. 204/- per instrumentCheque above Rs. 1 cr.Rs.611/- per instru.

3.2 Local chequesreturned unpaid/inward clearingcheques

Per instrumentRs. 60/- (150/ above Rs.1 lac) + applicable intt. - asper sanction or in case of casual transaction withapproval of competent authority - BPLR + 3%

Cheques upto Rs. 1 lac.

Indv. Account-Rs.100/- (Rs..75for-R.Br. S. Citizen,Pensioner)Others \ A/c-Rs.150/- per cheque.Cheque above Rs1 Lac- upto Rs. 1Cr.Rs. 200/- per instrumentCheque above Rs. 1 cr.Rs.600/- per instru.Plus Int. at clean OD rate for theperiod the bank remains out of fund

Cheques upto Rs. 1 lac.

Indv. Account-Rs.102/- (Rs..76 for-R.Br. S. C itizenPensioner)Others A/c-Rs.153/- per cheque.Cheque above Rs1 Lac- upto Rs. 1Cr.Rs. 204/- per instrumentCheque above Rs. 1 cr.Rs.611/- per instru.Plus Int. at clean OD rate for theperiod the bank remains out of fund

3.2A. Local chequesfor presentationdirectly at the draweebank

Rs.100/(Rs. 80 in R.Br,Seniorcitizen,pensioner) + out of pocketexpenses or 50% of collectionchargewhichever is higher.

Rs.102/(Rs. 81 in R.Br,Seniorcitizen,pensioner) + out of pocketexpenses or 50% of collectionchargewhichever is higher.

Note: In No Frill Accounts, charges for cheques returned unpaid shall be restricted to 25% of normal bank charges.

3.3 Outstationcheques returnedunpaid

Per instrument 50% of collection charge, Min.Rs.100.00

Per instrument50% of collection chargeMinimum Rs.200/-

Per instrument50% of collection chargeMinimum Rs.204. 00

BILLS

3.4 Local Bills returnedunpaid

Per instrument 50% of collection charge,Min. Rs.100.00

50% of collection charge, Min.Rs.200.00 plus returning charges


3.5 Outstation Billsreturned unpaid

Per instrument 50% of collection charge,Min. Rs.100.00



4 Other Charges:

4.1 Charges for

presentation of usancebill for acceptance

Rs.75/- Per bill Rs. 120/- per Bill Rs. 122/- per Bill

4.2 Charges forchange of instruction(for both usance anddemand bill)peroccasion

Usance bill Rs.50.00Demand bill Rs.30.00

Usance Bill Rs.100/-Demand Bill Rs.75/-

Usance Bill Rs.102/-Demand Bill Rs.76/-

4.3 Charges for storingPost Parcel [subject toavailability of space].

Size of each packet /box should not exceed8000 cc

Rs.25.00 per Item per day

Max. Rs.1000.00

Rs.50.00 per Item per dayMax. Rs.1000.00

(to be returned after 25 days fromdue date)

Rs.51.00 per Item per dayMax. Rs.1019.00

(to be returned after 25 days fromdue date)

4.4 Charges for freedeliviery of documents(under collection ofbills) or to be returnedback as unrealised

Full commission as per collection of billsMin. Rs.100.00

Full commission as per collection ofbillsMin. Rs.120/-+ out of pocket expen.

Full commission as per collection ofbillsMin. Rs.122/-+ out of pocket expen

5 Electronic Clearing Service (ECS)

5.1 Electronic Clearing

Discretion to Regional Head subject to min. of Rs. 5/-per transaction. No charges to individual beneficiariesaccount. [Min. serv ice charges on any single input

No charges to individual beneficiariesaccount.Service charges for input submissionto (National Clearing Cell (NCC) is to

No charges to individual beneficiariesaccount.Service charges for input submissionto (National Clearing Cell (NCC) is to


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c) Cancellation ofDD/Pay Order

Rs.100/- Per instrument Rs.100/- Per instrument Rs.102/- Per instrument

Note:-If DD/PO amount is less thanRs. 100/- then 50% of value shall belevied as Bank charges for theservice mentioned under point no.9a.b.c.

Note:-If DD/PO amount is less thanRs. 100/- then 50% of value shall belevied as Bank charges for theservice mentioned under point no.9a.b.c.

10 Deposit/withdrawal of cash/ Collection of cheques and Transfer of Funds at CBS branches.

Cheque Collection

charges(i) Depossit of chequesof samecentre(Base/Non basebranches)

Collection of local cheque by any CBS branch at the

same centre where base branch is located ( e. g.customer having an account at a CBS branch inKolkata and cheque drawn on any bank in Kolkatadeposited at any CBS branches participating inClearing House - FREE

(ii) Deposit of chequesof other centres

ii) Collection of Cheque through non base outstationCBS branches (by presentment through local clearing,

viz. customer having an account at CBS branches inKolkata and deposits a cheque at Mumbai which is tobe presented to any Bank in Mumbai through loc

Outstation cheque collection charges

+ fund transfer (Intersol) chargesshall be levied.

Outstation cheque collection charges

+ fund transfer (Intersol) chargesshall be levied.

b)Deposit/withdrawalof Cash

at local non-base branchUpto Rs.50000/- -Free

Above Rs.50,000/- @Rs.1.50 per Rs.1000/- or partthereofMin. Rs.22.50 per transactionMax Rs.12,000/-

at local non-base branchUpto Rs.25,000/- per day-free

Above Rs.25000/- @ Rs.1.75 perRs.1000/- or part thereof (Min.Rs.25/- per transaction)Max.Rs.12000/-

at local non-base branchUpto Rs.25,000/- per day-free

Above Rs.25000/- @ Rs.1.80 perRs.1000/- or part thereof (Min.Rs.25/- per transaction)Max.Rs.12224/-

at outstat ion (non-base) branchUpto Rs.50,000/- - Free

Above Rs.50,000/[email protected] per Rs.1000/- or part thereof Min.Rs.40/-per transactionMax Rs.12000/-

at outstat ion (non-base) branchUpto Rs.25,000/- per day AboveRs.25000/- @Rs.3.00 per Rs.1000/-or part thereof (min.Rs.50/- pertransaction)

at outstat ion (non-base) branchUpto Rs.25,000/- per day-free

Above Rs.25000/- @Rs.3.00 perRs.1000/- or part thereof(min.Rs.51/- per transaction)

Deposit of Cash (w.e.f. 04.01.2012)

At Local/ Outstation (non-base) branchIn terms of Ministry of Finnance, Government of India - Charges fully waived. Free of chargeat any branch of other Bank for credit to account with our bank branch & vice versa - will attract charges equal to NEFT charges

Note: For deposit of Cash - Cash handling charges shall be levied asapplicable in addition to charges as aforesaid.(Cash withdrawal atnon-base branches by self only with maximum amount Rs. Fiftythousand per day per account. )

c) Fund Transferbetween CBS branches(Non-cash)

At the same city/centre - Free of cost. At differentcity / centre -- Upto Rs.50000/= per day free.Thereafter @Rs.1.50 / Rs.1000 or part thereof.Min. Rs.30/= max Rs.12000/= per transaction

Intracity - FREEIntercity -Less than Rs.1 lac - @Rs.6/- per Tr.Rs.1 lac less than 5 lac - Rs.28/- perTr.Rs.5 lac and above Rs.55/- per Tr.

Intracity - FREEIntercity -Less than Rs.1 lac - @Rs.6/- per Tr.Rs.1 lac less than 5 lac - Rs.29/- perTr.Rs.5 lac and above Rs.56/- per Tr.

BMiscellaneousService Charges

11LedgerMaintainanceCharges)

11.1 Current/ CC/ODAccount

Per Folio per half-yearRs. 75/-

Account Maintenance ChargesCA/CC A/c

Rs. 2.00 per ent ry Minimum-Rs.50.00 Maximum Rs.1000.00 perhalf yearsubjected to free entriesBal. upto Rs 25000-NILUpto Rs 50000 - 50Upto Rs 1 lac - 75Upto Rs 2 lac- 125Upto Rs 5 lac- 250

Above Rs 5 lac- All Free

Account Maintenance ChargesCA/CC A/c

Rs. 2.00 per entry Minimum-Rs.51.00 Maximum Rs.1019.00 perhalf yearsubjected to free entriesBal. upto Rs 25000-NILUpto Rs 50000 - 51Upto Rs 1 lac - 76Upto Rs 2 lac- 127Upto Rs 5 lac- 255

Above Rs 5 lac- All Free

11.2 Charges for additional debit entries in S.B. A/cs.

Free debit entriespermitted

No. per half year50

No. per half year 50 No. per half year 51

Charges for additionaldebit entries [*]

Per addl. entryRs.10/-

Per addl. Entry Rs.10/- Per addl. Entry Rs.10/-


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[*] No charge shall be levied if the balance in the account is maintained above Rs.25000/=

Incidental Charges for Accounts not operated for 1 year

12 (a) Savings Bank Accounts

Balance Rs.1000 ormore

half yearly Nil Nil Nil

Balance < Rs.1000/- >Rs.50

half yearly Rs.30Rs.50/- per half year for CBSBranches

Rs.51/- per half year for CBSBranches

Balance below Rs.50/-half yearly*available balance and a/c to be closed under adviceto customer.

*available balance and a/c to beclosed under advice to customer.

*available balance and a/c. to beclosed under advice to customer.

* After giving notice entire balance to be appropriated & account should be closed

(b) Current

Irrespective of Balancehalf yearlyRs.50/-

Rs.150/- -CBS per ha lf yearly Rs.153/- -CBS per ha lf yearly

13 Charge for not maintaining Minimum Balance

(a) SB with chequefacility

Per quarter Rs.150/- (Rural Br.-Rs.100/-)

Per quarter Rs.153/- (Rural Br.-Rs.102/-)

(b) SB without chequefacility

Rs.100/- Per quarter Rs.102/- Per quarter

(c)SB Pension/Sr.Citizen account withcheque facility

Rs. 150 per quarter Rs. 153 per quarter

(d)SB PensionSr.Citizen account withoutcheque facility

Rs. 100 per quarter Rs. 102 per quarter

(e) Current Per quarter Rs.450/- Per quarter Rs.458/-

Note1: Default in non-maintenance in minimum balance shall be reckoned onaverage monthly balance in the account. Note 2: Charges fornon-nmaintenance of minimum balance in account of Sr.citizen are not to belevied for the first default.The depositor to be advised to make good the gapfailing which applicable default charges as mentioned above shall be applied.

14 Charge for closure of a/c within 12 months

Savings BankWithout Cheque Book Rs.100.00, With Cheque BookRs.150.00

Rs.200/- Rs.100.00 for RuralBranches

Rs.204/-Rs.102.00 for Rural Branches

Current /CCFor Firms & Companies Rs.500.00, For othersRs.150.00

For firms & CompaniesRs.500.00, For others Rs.250.00

For firms & Companies Rs.509.00,For others Rs.255.00

Note:No Charges shall be levied in case of death of deposited and transfer ofdeaceased depositor a/c. to our other branch.

15 Charge for issuance of cheque book

(a). Sav ings Bank (Perleaf)

MICR & Non-MICRPer leaf

Rs.3/-

Rs. 3 per leaf. (including multicity

cheques)

Rs. 3 per leaf. (including multicity

cheques)

Free Chq. Leaves in 1/2 year

Rural BranchesNo. of Chq. Leaves40

No. of Chq. Leaves 20 No. of Chq. Leaves 20

Other BranchesNo. of Chq. Leaves

30

No. of Chq. Leaves 20 No. of Chq. Leaves 20

(b).Current / CashCredit (per leaf)

MICR & Non-MICRPer leafRs.2.50

Rs. 3 per leaf (including multicitycheques)

Rs. 3 per leaf (including multicitycheques)

16 Charge for issuing daily/weekly statement of accounts


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Daily statement Per month Rs. 100/-Rs.1000/- per year. For repeatrequest, Rs.2/- per entry. Min.Rs.100/- per request

Rs.1019/- per year. For repeatrequest, Rs.2/- per entry. Min.Rs.102/- per request

Weekly st atement Per month Rs.50/-Rs.450/- per year for repeatrequest, Rs.2/- per entry. Min.Rs.100/- per request

Rs.458/- per year for repeatrequest, Rs.2/- per entry. Min.Rs.102/- per request

Monthly Statement Per month - f reeOnce Free, thereafter, Rs.2/- perentry. Min. Rs.100/- per request

Once Free, thereafter, Rs.2/- perentry. Min. Rs.102/- per request

17 Charge for issuing duplicate pass book with latest entry

17. 1 Individuals Per occasion Rs. 40/-Rs.75/ Rs.50 (Rural Br.) peroccasion

Rs.76/ Rs.51 (Rural Br.) per occasio

17.2 Others thanindividuals

Per occasion Rs.50/- Rs.100 per occasion Rs.102 per occasion

with previous entries( additional charges w.e.f 04.01.2012) in addition to duplicate pass book charges of previous column

40 entries(per folio) or part Rs. 51/- for inidividuals

40 entries(per folio) or part Rs. 76/- for other than individuals

18 Charge for issuance of duplicate interest certificate/balance certificate

Rs.50/- per occasion Rs.75/- per occasion Rs.76/- per occasion

19 Charge for attestation of customer's signature on documents (per signature attested)

19.1 Individuals Rs.50/- Rs.75/- Rs76/-

19.2 Other thanindividuals

Rs.75/- Rs.100/- Rs102/-

20Charge for addition/ deletion of names/change in operational instructions/ recording of power ofattorney in accounts of individuals (other than deceased A/c)

Rs.75/- Rs.100/- per occasion Rs.102/- per occasion

21Charge for change in constitution/ operational instruction/ authorised signatory/ recording power ofattorney in accounts other than individuals

Rs.100/- per occasion Rs.250/- per occasion Rs.255/- per occasion

22Charge for stoppayment of cheque(per instrument)

22.1 Sav ings Bank

Other than Rural

branches

Rs.50/- per occasionRs.75/- per cheque

Max.Rs.500/- per lot

Rs.76/- per cheque

Max.Rs.509/- per lot

For Rural Branch Rs. 40/- per occasionRs.50/- per chequeMax.Rs.300/- per lot

Rs.51/- per chequeMax.Rs.306/- per lot

22.2 Current Account

Other than ruralbranches

Rs.100/- per occasionRs.100/- per chequeMax.Rs.500/- per lot

Rs.102/- per chequeMax.Rs.509/- per lot

For Rural BranchPer occasionRs.80/-

Rs.80/- per chequeMax Rs.350/- per lot

Rs.81/- per chequeMax Rs.357/- per lot

23Charges for ATMCard

23.1 Issuance of NewATM Card/Duplicatecard/PIN/Annualmaintainance Charges

Nil Nil Nil

23.2 ATM Transaction


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c arges

i)Cash withdrawal Our Bank's ATM

Per occasionour Bank's ATM - free

Per occasion - Free Per occasion - Free

Other Bank's ATM Per occasion ATM of SBI and its associates - Rs.20/-

5 transaction in a month in SB a/c -Free.Thereafter charges @ Rs.20 pertransaction.

5 transaction in a month in SB a/c -Free.Thereafter charges @ Rs.20 pertransaction.

ii) Balance inquiry our Bank's ATM - free our Bank's ATM - free our Bank's ATM - free

ATM of SBI and its associates - Rs.8/- Other Bank's ATM - Free Other Bank's ATM - Free

23.8 Point of Sales(POS) transactions atPetrol Pumps andRailway ReservationCounters as perShared NetworkRegulations

Service Charges @2.5% oftransaction value or Rs.10.00whichever is higher

Service Charges @2.5% oftransaction value or Rs.10.00whichever is higher

23.9 Transaction Abroad

a) Cash withdrawalthrough VISANetworked ATMs

Rs.100/- + 2% of the currencyconversion charges per transaction

Rs.102/- + 2% of the currencyconversion charges per transaction

b) Balance Enquirythrough VISA

Networked ATMs

Rs.25.00 Rs.25.00

24 Charge for late payment of Recurring Deposit instalments

RD of 60 months orless

pm/Rs.100 Rs.2.00 Rs.2/- per Rs.100/- p.m. Rs.2/- per Rs.100/- p.m.

RD of above 60months

pm/Rs.100 Rs.2.00 Rs.2/- per Rs.100/- p.m. Rs.2/- per Rs.100/- p.m.

25 Charge for standing instructions (per transaction)

26 Registrat ion

Same branch and insame name

per transactionNil

Nil Nil

Same branch but indifferent name

per transactionRs.10/- + remittance and postage charge Rs.25/- individual / Rs. 50/- others

per transaction + actual remittancecharges

Rs.25/- individual / Rs. 51/- othersper transaction + actual remittancecharges

Involving anotherbranch

per transactionRs.10/- + remittance and postage charge

Charge forinsufficiency of fundsto carry out standinginstructions

Per occasionRs.30/-

Rs.50/- per occasion Rs.51/- per occasion

27

Charge for issuanceof SolvencyCertificate (percertificate)

Rs.250/- per lacMin.Rs.750/-Max.Rs.15000/-

Rs.255/- per lacMin.Rs.764/-Max.Rs.15280/-

28 Cash Handling charges

Per day per account Per day per account

upto 10 packetsAbove 10 packetsNotes upto Rs.100denomination

[email protected] per packetMax Rs.10,000/-



Above Rs.100/-denomination

@Rs.8 per packetMax Rs.10,000/-



29 Charges for Safe Custody

Scrips Rs.10/ per scrip.Min. Rs.100/-p.a. or part therof Rs.350/- per cover p.a. or partthereof

Rs.357/- per cover p.a. or partthereof

Sealed Covers Rs.200/- per cover p.a.or part thereof


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Sealed Boxes Rs. 1000/- per year or part thereof per box. - . .

thereof. - . .

thereof

30Postal charges(per packet)

Actual Actual Actual

31Enquiry re lating to oldrecords (more than 12months old)

Upto 1 year old record Rs. 100/- perreference. Beyond 1 year Rs. 300/-per year per reference + out ofpocket expense

Upto 1 year old record Rs. 100/- perreference. Beyond 1 year Rs. 305/-per year per reference + out ofpocket expense

32Loss of safe depositlocker key

Rs. 250/- + actual expenses forbreaking and replacement of thelocker

Rs. 255/- + actual expenses forbreaking and replacement of thelocker

33Photo attestioncharges

Rs. 50/- per certificate Rs. 51/- per certificate

34Issue of DuplicateDeposit receipt.

Rs. 50/- per request per instrument Rs. 51/- per request per instrument

35Record copy of thecheque

Rs. 50/- per instance Rs.51 per instance

Note :(1) In case of tierised deposit proucts (SB A/c / CA), no frills SB A/c andother products etc. benefits/concession as per the relevant scheme shallapply.

C Locker Rent :

1 Schedule of Locker Rent (inclusive of all taxes)

CategoryVolume(cubic inch)

ExistingUCO Bankw.e.f. 1st May 2009

Existing Pre- Tax Hike Proposed Post-Tax Hike

Rural/SU Urban/Metro Rural/SU Urban/Metro Rural/SU Urban/Metro Urban/Metro

A

i) 469.90 735.00

800 1000 815 1019 1019

ii) 534.77

B

i) 858.69 785.00

ii) 878.17 900 1200 917 1222 1222

iii) 731.80

C

i) 1186.21 1475.00

1500 2500 1528 2547 2547

ii) 1155.09

D

i) 1337.11 1475.00

ii) 1307.72 1500 2500 1528 2547 2547

E

i) 1872.67 1960.00

ii) 1841.33

iii) 1828.02 2500 3000 2547 3056 3056

iv) 2234.25

F

i) 2767.82 2455.00

2750 3000 2801

3056 up to30.04.2012.(Increased to 3565w.e.f. 01.05.2012)

iii) 2622.38

G

i) 2843.59 3056

ii) 2766.33

H

i) 3986.97 3435.00

ii) 3682.66

L-1

i) 4214.60 4000 4500 4075 4584 4584


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ii) 4671.61

K&L

i) 6296.51 4420.00

ii) 6009.61 4500 5000 4584 5094 5094

2

Locker Rent for Staff-members: Locker Rent for Staff-members:

Effect ive from 1st May 2009 Existing Pre- Tax Hike Proposed Post-Tax Hike

Rural /SU

Urban / MetroRural /SU

Urban /Metro

Rural /SU

Urban /Metro

Urban / Metro

A Type (onelocker only) 300.00 395.00 490.00 450.00 550.00 458 560

3

Penalty for late payment of Locker Rent ( per quarter or part thereof) : Penalty for late payment of Locker Rent ( per quarter or part thereof) :

Effective from1st May 2009

Existing Pre- Tax Hike Proposed Post-Tax Hike

A & B Type 50.00 50.00 51

C & above 250.00 250.00 255

(Penalty appliciable after 3 months of due date applicable also to staff member/ex-staff members).

4

Locker standing in the name of retired/voluntarily retired/ deceased staff members

Locker standing in the name of retired/ voluntarily retired/ other member of staff and in case of deceased staf f members on transfer to the name of the spouse

upto the end of his/her life may continue with staff concession.

Note: (Proposed)

Lockers can be leased for a period upto 3 years at a time subject to advance payment of rent. However, there would not be any concession in caseadvance rent is paid by customers. The rent payable for the overdue period to the date of revision would be recovered at old rate and the revised ratewill be recovered proportionately from the date of revision. Where rent for 3 years has been recovered prior to revision, no difference amount on accountof revision in rent shall be recovered for the current financial year only and the revised rate shall be applicable from the next financial year. Refund of advancerent may be allowed for the un-expired period in case the locker is surrendered before the expiry of the period of three years for which advance rent has beenpaid. The refund will be made in complete years i.e. fraction of a year remaining in the year of surrender shall be ignored.

PART -IISERVICE CHARGES ON ADVANCES (PS & NPS)

I. PRIORITY SECTOR ADVANCES EXCEPT EDUCATION LOANSA. PROCESSING CHARGES (for Advances other than Term Loan & DPG)*

Amount of Advance Effective from Effective from 1st May 2011 Will effective from 1st April 2012 Will effective from 1st April 2012

1st May,2009 Pre Tax Hike Post Tax Hike Post Tax Hike

Up to Rs.25, 000/- Nil Nil Nil Nil

Above Rs.25, 000/- Rs. 350.00 per lac Rs. 350.00 per lac Rs. 357.00 per lac

Min. Rs. 350.00 Min. Rs. 350.00 Min. Rs. 357.00

* This table is also applicable for sanction of Short Term Loans upto 12 months.B.RENEWAL CHARGES (for Advances other than Term Loan & DPG)



Up to Rs.25,000/- Nil Nil Nil Nil

Above Rs.25,000/- Rs.350.00 per lac Rs.350.00 per lac Rs.357.00 per lac

Min. Rs.350.00 Min. Rs.350.00 Min. Rs.357.00

C.PROCESSING CHARGES FOR TERM LOANS & DPG

I. Fresh Term Loan/DPG sanctioned excluding loanssanctioned under Retail Segment

Effective fromEffective from 1st May

2011Will effective from

1st April 2012Will effective from 1st

April 2012



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. , -

Above Rs.25,000/-1.1236% of theSanctioned limit

1.1236% of theSanctioned limit

1.1446% of theSanctioned limit

Min Rs. 600.00 Min Rs. 600.00 Min Rs. 611.00

II.Review of Term Loan (On run down Balance)

Up to Rs.25,000/- NIL NIL NIL

Above Rs.25,000/-Rs. 120.00 per lac, Min.Rs.250.00,

Rs. 120.00 per lac, Min.Rs.250.00,

Rs. 122.00 per lac, Min.Rs.255.00,

Max. Rs.55000.00except Retail Credit



D. AD-HOC SANCTION CHARGES:

Amount ofAd-hocSanction

Effective from Effective from 1st May 2011

Willeffectivefrom 1st

April 2012

Will effective from 1st April 2012

1st May,2009 Pre Tax HikePost Tax

HikePost Tax Hike

Upto Rs.25,000/-

NIL NIL NIL

AboveRs.25,000/-

Normal processing charges for the periodof sanction on pro-rata basis (min. Chargefor 3 months)



E. DOCUMENTATION CHARGES:



Up to Rs.25,000/- Nil Nil Nil

Above Rs.25,000/- Rs. 200 .00 Rs. 200 .00 Rs. 204 .00

Up to Rs.2 lacs

Above Rs.2 lacs upto Rs.5 lacs Rs.1300.00 Rs.1300.00 Rs.1324.00



Above Rs.50 lacs upto Rs.5 crores Rs.5600.00 Rs.5600.00 Rs.5705.00

Above Rs 5 crores Rs.14000.00 Rs.14000.00 Rs.14262.00

II. NON-PRIORITY SECTOR ADVANCES :A. PRE-PROCESSING CHARGES :

Particulars Effective from Effective from 1st May 2011 Will effective from 1st April 2012 Will effective from 1st April 2012


In case ofnewaccountswithexposureof Rs.10lacs andabove

Preprocessing charges equal to10% of t otal applicable processingcharges would be recoveredupfront after clearance of theadvance proposal by the NewBusiness Committee (NBC) i.e.before taking up the proposal fordetailed processing. The remaining90% of the processing charges areto be recovered in full before thedisbursement begins. The pre-processing charges would be non-refundable.

Preprocessing charges equal to10% of total applicable processingcharges would be recoveredupfront after clearance of theadvance proposal by the NewBusiness Committee (NBC) i.e.before taking up the proposal fordetailed processing. The remaining90% of the processing charges areto be recovered in full before thedisbursement begins. The pre-processing charges would be non-refundable.

Preprocessing charges equal to10% of total applicable processingcharges would be recoveredupfront after clearance of theadvance proposal by the NewBusiness Committee (NBC) i.e.before taking up the proposal fordetailed processing. The remaining90% of the processing charges areto be recovered in full before thedisbursement begins. The pre-processing charges would be non-refundable.

Preprocessing charges equal to10% of t otal applicable processingcharges would be recoveredupfront after clearance of theadvance proposal by the NewBusiness Committee (NBC) i.e.before taking up the proposal fordeta iled processing. The remaining90% of the processing charges areto be recovered in full before thedisbursement begins. The pre-processing charges would be non-refundable.

B. PROCESSING CHARGES:


11/34



a Ot er t an Term oan & DPG




Above Rs.25,000/- Rs.400.00 per lac or part thereof Rs.400.00 per lac or part thereof Rs.407.00 per lac or part thereof

Min Rs.700.00 Min Rs.700.00 Min Rs.713.00

* This table is also applicable for sanction of Short Term Loans upto 12 months.b) Term loan & DPG

I. Fresh Term Loan/DPGsanctioned excluding loans

sanctioned under RetailSegment


Willeffectivefrom 1stApril2012



HikePost Tax Hike

Up to Rs.25, 000/- Nil Nil Nil

Above Rs.25,000/-1.35% of the sanctioned limit for f irstyear plus annual renewal charge or

25% one time charge for 10 years.

1.35% of the sanctioned limit for f irstyear plus annual renewal charge or


1.38% of the sanctioned limit for f irstyear plus annual renewal charge or


II. Review of Term Loan

Up to Rs.25,000/- NIL NIL NIL

Above Rs.25,000/- Rs. 125.00 per lac, Rs. 125.00 per lac, Rs. 127.00 per lac,

Min. Rs.250.00, Min. Rs.250.00, Min. Rs.255.00,

Max. Rs.56000.00 Max. Rs.56000.00 Max. Rs.57047.00

(Except Retail Credit) (Except Retail Credit) (Except Retail Credit)

C. RENEWAL CHARGES for advances other than Term loan & DPG

Amount of

Advance Effective from Effective from 1st May 2011

Will effective from 1st April

2012 Will effective from 1st April 2012


Up toRs.25,000/-

Nil Nil Nil

AboveRs.25,000/-

At the same rate as processingcharges



D.ADHOC SANCTION CHARGES:

Amount

of Ad-hocSanction


Will

effectivefrom 1stApril 2012



HikePost Tax Hike

Up toRs.2 lac

Rs.600.00 Rs.600.00 Rs.611.00

AboveRs.2 lacs

Normal processing charge for the period ofsanction on pro-rata basis till adjustment(Min.charges for 3 months)

Normal processing charge for the period ofsanction on pro-rata basis till adjustment(Min.charges f or 3 months)

Normal processing charge for the period ofsanction on pro-rata basis till adjustment(Min.charges for 3 months)

E. Documentation charges :


12/34



Amount of Advancefrom

Effective f rom 1st May 2011

1st April 2012

1st April 2012

1st

May,2009Pre Tax Hike Post Tax Hike Post Tax Hike


Above Rs.25,000/- Rs.250.00 Rs.250.00 Rs.255.00

Up to Rs.2 lacs

Above Rs.2 lacs upto

Rs.5 lacs

Rs.1300.00 Rs.1300.00 Rs.1324.00

Above Rs.5 lacs uptoRs.25 lacs

Rs.2000.00 Rs.2000.00 Rs.2037.00

Above Rs.25 lacs uptoRs.50 lacs

Rs.4000.00 Rs.4000.00 Rs.4075.00

Above Rs.50 lacs uptoRs.5 crores

Rs.5600.00 Rs.5600.00 Rs.5705.00

Above Rs. 5 crores Rs.14000.00 Rs.14000.00 Rs.14262.00

In case of loan against deposit , UCO Securities Loan and staff loan nodocumentation charge are to be rea lised.

F.OTHER SERVICE CHARGES

a.Applicable for customers falling under FC & MC Categories

Particulars Effective from Effective from 1st May 2011

Will

effectivefrom 1st

April 2012



HikePost Tax Hike

1. Issuance of NOC (perNOC)

Rs.55,000.00 Rs.55,000.00 Rs.55,000.00

2. Modification of terms andconditions of sanction

Rs.55,000/= per modif ication. Rs.55,000/= per modif ication. Rs.56028/= per modif ication.

Min. Rs. 1.00 lac Min. Rs. 1.00 lac Min. Rs. 101870.

3. Revalidation of sanction50% of regular processing charges.Maximum of Rs.11 lacs.

50% of regular processing charges.Maximum of Rs.11 lacs.

51% of regular processing charges.Maximum of Rs.1120570 .

4. Penal charges fordeferred drawal in case ofterm loans.

0.10% per month on the drawings notmade on the scheduled date for thedelayed drawing period.

0.10% per month on the drawings notmade on the scheduled date for thedelayed drawing period.

0.10% per month on the drawings nomade on the scheduled date for thedelayed drawing period.

5.Mortgage charges

a. in case of sole bankingaccounts

Rs.25000.00 Rs.25000.00 Rs.25467.00

b. in case of consortium /multiple banking accounts

Rs.25,000.00 Rs.25,000.00 Rs.25,467.00

6. Parting of process notefor f iling with SEBI for IPOor any similar purpose

Rs.600000.00 Rs.600000.00 Rs.611220.00

7. Loan Syndication1.15% of the debt syndicated uptoRs.25 crore.

1.15% of the debt syndicated uptoRs.25 crore.

1.17% of the debt syndicated uptoRs.25 crore.

0.6% of the debt syndicated forabove Rs.25 crore (Min. Rs.25crores).

0.6% of the debt syndicated forabove Rs.25 crore (Min. Rs.28 lacs).

0.6% of the debt syndicated forabove Rs.25 crore (Min. Rs.28 lacs).

b.Applicable for customers falling under SE Category


13/34



1. Issuance of NOC (per NOC) Rs.600.00 Rs.611.00

2. Modification of terms and conditions ofsanction

Rs.600.00 per modification. Rs.611.00 per modification.

3. Revalidation of sanctionApplicable regular processing charges, subject to ceiling ofRs.5.00 lacs.

Applicable regular processing charges, subject to ceiling ofRs.509350 .

G.MISCELLANEOUS CHARGES :

Particulars Effective from 1st May,2009

Effective from 1st May 2011 Will effective from 1st April 2012


a. Processing Chargesfor advances against

NSC, KVP etc and GoldLoans:-

Flat Rs.245.00 + Appraisers Fee ( for Gold

Loan)


Loan)


Loan)

b. Supervision Charges(Applicable to PS & NPSlimits of Rs. 1 crore &above)

Rs.2950.00 half year Rs.2950.00 half year Rs.3005.00 half year

C.Inspection Charges(Priority & Non-PrioritySector Advances)

Amount of Advance Effective from 1st May,2009

Above Rs.25,000/- upto2 lacs -

Rs.145.00 per inspection Rs.145.00 per inspection Rs.148.00 per inspection

Above Rs.2 lacs up toRs.10 lacs -


Above Rs.10 lacs up toRs.25 lacs


Above Rs.25 lacs up toRs.50 lacs

Rs.980.00 per inspection.+ConveyanceCharge + Out of pocket exp



.

Above Rs.50 lacs up to 1crore

Rs.2950.00 per insp.+Con.Char.+Out ofpocket exp.


Rs.300500 per insp.+Con.Char.+Out ofpocket exp.

Above 1 croreRs.4900.00 per insp.+Con.Char.+Out ofpocket exp.



d) Lead Bank Chargesfor Consortium

Advances: (PrioritySector & Non PrioritySector) :

0.140% of the total fund based workingcapital limits sanctioned by the consortium (i.e. Assessed working capital Fund Basedlimit). Renewal Charges at the same rate tobe recovered every year.



e)Issuance of no duescertificate (PrioritySector & Non PrioritySector)

Particulars Effective from Effective from 1st May 2011 Will effective from 1st April 2012

1st May,2009 Pre Tax Hike Post Tax Hike

i) No duescertificate(NDC) for smallloans upto Rs.50,000/-to small and marginalfarmers, share cropperand the like

NIL NIL NIL

(Not required) (Not required) (Not required)


14/34



ii) No duescertificate(NDC) forothers

Rs.45.00 per certificate Rs.45.00 per certificate Rs.45.00 per certificate

Effective f rom 1st May 2011 Will effective from 1st April 2012

f). Charges for issuance of No duescertificate to clients whose NPA accountsare set tled by entering into compromise (

Applicable in all cases where sanctioned

loan/limit/disbursed amount is above Rs.5lacs)-


i) NPA accounts where terms of compromiseare strictly adhered to


ii) NPA accounts where repayment is notreceived as per original schedule/failedcompromise is revived:


Particulars Effective from

1st May,2009

g) Processing Charges / Roll over chargesfor FCNR (B) loan

Rs 50000.00 per occasion Rs 50000.00 per occasion Rs 50935.00 per occasion

h) For ear-marking credit limits sanctionedby us and to be availed by the borrowersfrom other bank

The service charge of 1.20% perannum will be levied on quarterlybasis i.e. 0.30% per quarter:

The service charge of 1.20% perannum will be levied on quarterly basisi.e. 0.30% per quarter:

The service charge of 1.22% perannum will be levied on quarterlybasis i.e. 0.30% per quarter:

i) Pre-payment and commitment charges; Sanctioning Authorities shall stipulateprepayment/commitment charges insanction terms.

i. Prepayment chargesNo prepayment charges in thefollowing :

No prepayment charges in the followingcharges

No prepayment charges in thefollowingcharges

a)Agricultural loans upto Rs.10lacs

a)Agricultural loans upto Rs.10 lacs a)Agricultural loans upto Rs.10 lacs

b)Other Priority Sector loansupto Rs.5 lacs

b)Other Priority Sector loans upto Rs.5lacs

b)Other Priority Sector loans uptoRs.5 lacs

c)Other Term Loan Accountswith limit upto Rs.2 lacs.

c)Other Term Loan Accounts with limitupto Rs.2 lacs.

c)Other Term Loan Accounts withlimit upto Rs.2 lacs.

For other term loans as perAnnexure-1 enclosed. (Beinggoverned by Loan PolicyDocument and changes/amendments as advised by RiskManagement Dept. )

For other term loans as per Annexure-1 enclosed. (Being governed by LoanPolicy Document and changes/amendments as advised by RiskManagement Dept.)

For other term loans as perAnnexure-1 enclosed. (Beinggoverned by Loan Policy Documentand changes/ amendments asadvised by Risk Management Dept.)

ii. Commitment Charges :

Where average availment of fund based credit during a month is less than 70% of thelimit sanctioned, commitment charges @1/12th percent on the unutilised limit shall be

levied for that month. Service tax at applicable rate shall be added by branches tothe commitment charges. (Being governed by Loan Policy Document and changes/amendments as adv ised by Risk Management Dept. )

Note : Assessment of average availment during a month shall be based on the % ofactual interest for the month with respect to the interest calculated on the full limit fo

the month.

j) Processing Charges on Banks Own Loan Schemes:

Schemes Effective from

Effectivefrom 1st

May2011

Will ef fect iv e f rom 1st April 2012 Will ef fective from 1st April 2012

Pre Tax

Post Tax Hike Post Tax Hike


15/34



1. UCORent

FreshSanctions

1% of the sanctioned loan amount. 1% of the sanctioned loan amount. 1% of the sanctioned loan amount.

Reviewon rundownBalance

Rs. 225.00 per lac, Min. Rs.250.00, Max.Rs.56000.00

Rs. 225.00 per lac, Min. Rs.250.00, Max. Rs.56000.00Rs. 229.00 per lac, Min. Rs.255.00, Max.Rs.57047.00

2. UCO

RealEstate

FreshSanctions

0.8% on the amount of loan applied foralong with the application. 1.20% processingfee of the sanctioned loan amount.

0.8% on the amount of loan applied foralong with the application. 1.20% processingfee of the sanctioned loan amount.

Review ofTL on rundownBalance

Rs. 125.00 per lac, Min. Rs.250.00, Max.Rs.56000.00

0.8% on the amount of loan applied for along with theapplication. 1.20% processing fee of the sanctioned loanamount.

0.8% on the amount of loan applied foralong with the application. 1.20% processinfee of the sanctioned loan amount.

Renewalof CC/WC

Rs.395.00 per lac or part thereof Rs. 125.00 per lac, Min. Rs.250.00, Max. Rs.56000.00Rs. 127.00 per lac, Min. Rs.255.00, Max.Rs.57047.00

Rs.395.00 per lac or part thereof Rs.402.00 per lac or part thereof

3.UCOShilpaUdyog

FreshSanctions

0.50% of FB Limit 0.50% of FB Limit 0.50% of FB Limit

0.25% of NFB Limit 0.25% of NFB Limit 0.25% of NFB Limit

Review/RenewalCharges

Rs.345.00 per lac or part thereof Rs.345.00 per lac or part thereof Min. Rs.350.00Rs.351.00 per lac or part thereof Min.Rs.357.00

# Review/Renewal Charges (UCO Trader) : At the same rate as processing charges.

PART-III

GUARANTEE& LETTER OFCREDIT

ServiceCharges in Rs.(Incl. of all

taxes)

A) Charges forGuarantee

1.Commissionon issuance ofGuarantee(Periodincluding claimperiod)

Particulars Effective from 1st May 2011 Will effective from 1st April 2012 Will effective from 1st April 2012

Pre Tax Hike Post Tax Hike Post Tax Hike

(i) PerformanceGuarantee

Rs.170 + 2.20% p.a. (Min. 170 +1.10%charges for 2 quarters)

Rs.170 + 2.20% p. a. (Min. 170 +1.10%charges for 2 quarters)

Rs.173 + 2.24% p. a. (Min. 173 +1.12%charges for 2 quarters)

(ii) OtherGuarantees(Includingissuance ofletter ofcomfort f orbuyers credit

Rs.170 + 3.30% p.a. (Min. 170 + 1.65%charges for 2 quarters)




16/34



o e : o e : o e :

a) Charges are to be recovered upfront forthe full period including the claim period unlessotherwise sanctioned by the competentauthority.

a) Charges are to be recovered upfront forthe full period including the claim period unlessotherwise sanctioned by the competentauthority.

a) Charges are to be recovered upfront for thefull period including the claim period unlessotherwise sanctioned by the competentauthority.

b) Guarantee for the period beyond sixmonths would attract commission, reckoningthe part period of guarantee beyond 6 monthsin terms of completed quarters. (For aperformance guarantee issued for 16 months,guarantee commission for 1 year should belevied @ Rs.170 +2.20 p.a. and for the

remaining 4 months commission should belevied @ 0.55% per quarter for 2 quarters byreckoning 4 months as two quarters.)

b) Guarantee for the period beyond sixmonths would attract commission, reckoningthe part period of guarantee beyond 6 monthsin terms of completed quarters. (For aperformance guarantee issued for 16 months,guarantee commission for 1 year should belevied @ Rs.170 +2.20 p.a. and for the

remaining 4 months commission should belevied @ 0.55% per quarter for 2 quarters byreckoning 4 months as two quarters.)

b) Guarantee for the period beyond six monthswould attract commission, reckoning the partperiod of guarantee beyond 6 months in termsof completed quarters. (For a performanceguarantee issued for 16 months, guaranteecommission for 1 year should be levied @ Rs.170+2.20 p.a. and for the remaining 4 months

commission should be levied @ 0.55% perquarter for 2 quarters by reckoning 4 months astwo quarters.)

c) Additiona l commission at applicable rate willbe levied on the extended period of guaranteedue to rest raint imposed by court order.

c) Addit ional commission at applicable rate willbe levied on the extended period of guaranteedue to rest raint imposed by court order.

c) Addit ional commission at applicable rate willbe levied on the extended period of guaranteedue to rest raint imposed by court order.

2. Refund ofguaranteecommission

No refund if the purpose for which theguarantee was issued is served and the originalguarantee is returned for cancellation before theexpiry date. If the purpose for which guaranteewas issued is not served, 50% of original ratefor the unexpired period less 1 quarter will berefunded. (Guarantee with an unexpired periodof 10 months is tendered for cancellation, refunwill be calculated for 7 months @ 50% of originacommission.)

3. Renewal /Extension ofGuarantee

Same charges as applicable for issuance of freshguarantee. However, for the claim period, nocharge to be levied if the renewal is effectedbefore the expiry date of the original guarantee

4. Guaranteessecured by100% term

depositincluding thirdparty depositsof our Bank

Rs.173 + 25% of normal commission.if the BG is

secured by 100% CASA deposit, full commisionshall be waived.

B) Charges forInland Letter ofCredit

Particulars

1. LC OpeningCharges

Following charges with a min. of Rs.750/-should be levied

Following charges with a min. of Rs.764/- shoulbe levied

a) Usance Charge : 2.20% p.a. for theusance period (complete month or partthereof). In case of sight bills / usance for lessthan 1 month, minimum one month charges

And

a) Usance Charge : 2.24% p.a. f or the usanceperiod (complete month or part thereof). Incase of sight bills / usance for less than 1 monthminimum one month charges And

b) Commitment Charge : For the period of

liability (from the date of opening of credit tothe last date of its validity) @ 1.10% p.a. witha minimum period of 1 month or part thereof.

b) Commitment Charge : For the period of

liability (from the date of opening of credit to thelast date of its validity) @ 1.12% p.a. with aminimum period of 1 month or part thereof.

2. Extension ofvalidity period

An extension may be allowed free ofcommitment charge, if such extension does notrun to next month, otherwise a fresh charge of1.10% p.a. for a minimum period of 1 monthwith a min. of Rs.750/-.

An extension may be allowed free ofcommitment charge, if such extension does notrun to next month, otherwise a fresh charge of1.12% p.a. for a minimum period of 1 monthwith a min. of Rs. 764/-.

3. Increase inamount ofcredit

Both usance and commitment charge onadditional amount at applicable rate with aminimum charge of Rs.750/-.

Both usance and commitment charge onadditional amount at applicable rate with aminimum charge of Rs.764/-.

4. Otheramendments(other than by


17/34



extension ofvalidity periodor increase inthe value ofLC)

Flat commission of Rs.750/- Flat commission of Rs.764/-

5. Revolving LC

Same as per LC opening charges (usance +Commitment) + on each reinstatement usancecharges 2.20% p.a. according to tenor andcommitment charge of 1. 10% p.a. onreinstated amount.

Same as per LC opening charges (usance +Commitment) + on each reinstatement usancecharges 2.20% p.a. according to tenor andcommitment charge of 1.10% p. a. on reinstatedamount.

Min. 750/-. Min. 750/-.

6.Adv ising ofLCs opened bycorrespondentBanks

Rs.735/- Rs.749/-

7. Adv ising ofamendments

Rs.490/- per amendment Rs.499/- per amendment

8. Confirmationof LC

As applicable to LC opening charges. As applicable to LC opening charges.

9. TransferCharge Rs.735/- per transfer. Rs.749/- per transfer.

10. AcceptanceCommission

On all LCs established by other banks callingfor usance drafts to be drawn on and accepted

by our Bank, an acceptance commission @2.20% p.a. with a min. of Rs.750 shall becharged.

On all LCs established by other banks calling forusance drafts to be drawn on and accepted byour Bank, an acceptance commission @ 2.20%p.a. with a min. of Rs.750 shall be charged.

11.Billsreceived underLC

0.22% flat. 0.22% flat.

12. Negotiationcharges (inaddition tointerest fromd/o negotiationto d/oreimbursement)

For bills upto Rs.2.50 lacs 0.44% with a min.Rs.750/-


For bills over Rs.2. 50 lacs 0.28% with a min.Rs.1500/- plus discount at applicable rate ofinterest from the date of negot iation to thedate of reimbursement.

For bills over Rs.2. 50 lacs 0.29% with a min.Rs.1528/- plus discount at applicable rate ofinterest from the date of negot iation to the dateof reimbursement.

1.Negotiation charges and interest thereon areto be collected for the LCs established by otherbanks. In such case, collection charges shouldnot be levied.


2.In case of LCs established by our Bankbranches only collection charges are to becollected and interest as per rating should becollected for the usance period. In case ofsight documents interest for a maximum periodof 15 days should be collected subject to aminimum of Rs.750/-.

2.In case of LCs established by our Bankbranches only collection charges are to becollected and interest as per rating should becollected for the usance period. In case of sightdocuments interest for a maximum period of 15days should be collected subject to a minimum ofRs.764/-.

13. Guaranteeson account ofdiscrepancies indocumentsunder LC

1. If payment received under reserve iscredited to beneficiarys account 0.25% witha min. of Rs.750/-

1. If payment received under reserve is creditedto benef iciarys account 0.25% with a min. ofRs.764/-

2. If payment received under reserve at therequest of the customer is not parted with nocharges.


When called upon to refund payment made tothem under reserve, Banks will pay to thenegotiating bank the face va lue of the billtogether with interest at the commercial rateof the negotiating banks plus charges.Interest / charges, if any, would be forcustomer/s a/c.

When called upon to refund payment made tothem under reserve, Banks will pay to thenegotiating bank the face va lue of the billtogether with interest at the commercial rate ofthe negotiating banks plus charges. Interest /charges, if any , would be for customer/s a/c.


18/34



14. LC securedby 100% cashmargin / termdeposit

25% of normal charges in respect of LCopening charges subject t o a minimum ofRs.750/-

25% of normal charges in respect of LC openingcharges subject to a minimum of Rs.764/-

15. Issuance ofcertificate tobeneficiary

No charge for attestation of commercialinvoices at the time of negotiation / collection.On subsequent occasions Rs.20.00 perinvoice, minimum Rs.50.00.

No charge for att estation of commercial invoicesat the time of negotiation / collection. Onsubsequent occasions Rs.20.00 per invoice,minimum Rs.51.00.

16. CleanPaymentreceived under

LC.

Flat Charge of Rs.200/- to Beneficiarysaccount.

Flat Charge of Rs.204/- to Beneficiarys account

Annexure - 1In case of prepayment of instalment(s), prepayment charges shall be levied

on the prepaid amount at the following rates.

Effective from 1st May 2011Will effective from

1st April 2012Will effective from

1st April 2012

Rates forPrepayment

Charges Pre Tax Hike Post Tax Hike Post Tax Hike

Remaining Period inmonths

Term loan accounts with concessionalrate of interest (Rate 1)

Term loan accounts without any concessionalrate of interest(Rate 2)

1 0.0007 0.0003 0.00030561

2 0.0013 0.0006 0.00061122

3 0.0019 0.001 0.0010187

4 0.0026 0.0013 0.00132431

5 0.0032 0.0016 0.00162992

6 0.0038 0.0019 0.00193553

7 0.0044 0.0022 0.00224114

8 0.005 0.0025 0.00254675

9 0.0056 0.0028 0.00285236

10 0.0061 0.0031 0.00315797

11 0.0067 0.0033 0.00336171

12 0.0072 0.0036 0.00366732

13 0.0078 0.0039 0.00397293

14 0.0082 0.0041 0.00417667

15 0.0088 0.0044 0.00448228

16 0.0093 0.0046 0.00468602

17 0.0098 0.0049 0.00499163

18 0.0102 0.0051 0.00519537

19 0.0107 0.0053 0.00539911

20 0.0112 0.0056 0.00570472

21 0.0117 0.0058 0.00590846

22 0.0121 0.006 0.0061122

23 0.0126 0.0062 0.00631594

24 0.013 0.0065 0.00662155

25 0.0134 0.0067 0.00682529


19/34



26 0.0138 0.0069 0.00702903

27 0.0142 0.0071 0.00723277

28 0.0146 0.0073 0.00743651

29 0.015 0.0075 0.00764025

30 0.0154 0.0076 0.00774212

31 0.0158 0.0078 0.00794586

32 0.0161 0.008 0.0081496

33 0.0165 0.0082 0.00835334

34 0.0169 0.0084 0.00855708

35 0.0172 0.0085 0.00865895

36 0.0176 0.0087 0.00886269

37 0.0179 0.0089 0.00906643

38 0.0182 0.009 0.0091683

39 0.0185 0.0092 0.00937204

40 0.0188 0.0093 0.00947391

41 0.0191 0.0095 0.00967765

42 0.0194 0.0096 0.00977952

43 0.0197 0.0098 0.00998326

44 0.02 0.0099 0.01008513

45 0.0203 0.01 0.010187

46 0.0205 0.0102 0.01039074

47 0.0208 0.0103 0.01049261

48 0.0211 0.0104 0.01059448

49 0.0213 0.0106 0.01079822

50 0.0216 0.0107 0.01090009

51 0.0218 0.0108 0.01100196

52 0.022 0.0109 0.01110383

53 0.0223 0.011 0.0112057

54 0.0225 0.0111 0.01130757

55 0.0227 0.0112 0.01140944

56 0.0229 0.0113 0.01151131

57 0.0231 0.0114 0.01161318

58 0.0234 0.0115 0.01171505

59 0.0235 0.0116 0.01181692

60 0.0237 0.0117 0.01191879

61 0.0239 0.0118 0.01202066

62 0.0241 0.0119 0.01212253

63 0.0241 0.0119 0.01212253

64 0.0244 0.0121 0.01232627

65 0.0246 0.0121 0.01232627


20/34



66 0.0248 0.0122 0.01242814

67 0.0249 0.0123 0.01253001

68 0.0251 0.0124 0.01263188

69 0.0252 0.0124 0.01263188

70 0.0254 0.0125 0.01273375

71 0.0255 0.0126 0.01283562

72 0.0257 0.0126 0.01283562

73 0.0258 0.0127 0.01293749

74 0.0259 0.0127 0.01293749

75 0.026 0.0128 0.01303936

76 0.0261 0.0129 0.01314123

77 0.0263 0.0129 0.01314123

78 0.0264 0.013 0.0132431

79 0.0265 0.013 0.0132431

80 0.0266 0.0131 0.01334497

81 0.0267 0.0131 0.01334497

82 0.0268 0.0132 0.01344684

83 0.0269 0.0132 0.01344684

84 0.027 0.0132 0.01344684

85 0.0271 0.0133 0.01354871

86 0.0271 0.0133 0.01354871

87 0.0272 0.0134 0.01365058

88 0.0273 0.0134 0.01365058

89 0.0273 0.0134 0.01365058

90 0.0274 0.0134 0.01365058

91 0.0275 0.0135 0.01375245

92 0.0275 0.0135 0.01375245

93 0.0276 0.0135 0.01375245

94 0.0277 0.0136 0.01385432

95 0.0277 0.0136 0.01385432

96 0.0278 0.0136 0.01385432

97 0.0278 0.0136 0.01385432

98 0.0278 0.0136 0.01385432

99 0.0279 0.0137 0.01395619

100 0.0279 0.0137 0.01395619

101 0.028 0.0137 0.01395619

102 0.028 0.0137 0.01395619

103 0.028 0.0137 0.01395619

104 0.0281 0.0137 0.01395619

105 0.0281 0.0137 0.01395619


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106 0.0281 0.0137 0.01395619

107 0.0281 0.0137 0.01395619

108 0.0281 0.0138 0.01405806

109 0.0282 0.0138 0.01405806

110 0.0281 0.0138 0.01405806

111 0.0282 0.0138 0.01405806

112 0.0282 0.0138 0.01405806

113 0.0282 0.0138 0.01405806

114 0.0282 0.0138 0.01405806

115 0.0282 0.0138 0.01405806

116 0.0282 0.0138 0.01405806

117 0.0282 0.0137 0.01395619

118 0.0282 0.0137 0.01395619

119 0.0282 0.0137 0.01395619

120 0.0282 0.0137 0.01395619

PART-IIIGUARANTEE & LETTER OF CREDIT

Service Charges in Rs. (Incl. of all taxes)

A) Charges for Guarantee

1.Commission on issuance of Guarantee (Period including claim period) Proposed

Particulars

Effective from

1st May,2009

(i) Performance Guarantee Rs.170 + 2.20% p.a. (Min. 170 +1.10% charges for 2 quarters)Rs.170 + 2.20% p.a.(Min. 170 +1.10%charges for 2 quarters)

(ii) Other Guarantees (Including issuance of letter of comfort forbuyers credit

Rs.170 + 3.30% p.a. (Min. 170 + 1.65% charges for 2 quarters)Rs.170 + 3.30% p.a.(Min. 170 + 1.65%charges for 2 quarters)

Note :

a) Charges are t o be recovered upfront for the full period including the claim period unless otherwise sanctioned by the competent authority.

b) Guarantee for the period beyond six months would attract commission, reckoning the part period of guarantee beyond 6 months in termsof completed quarters. (For a performance guarantee issued for 16 months, guarantee commission for 1 year should be levied @ Rs.170+2.20 p.a. and for the remaining 4 months commission should be levied @ 0.55% per quarter for 2 quarters by reckoning 4 months as twoquarters.)

c) Additional commission at applicable rate will be levied on the ex tended period of guarantee due to restraint imposed by court order.

2. Refund of guaranteecommission

No refund if the purpose for which the guarantee was issued is served and the original guarantee is returnedfor cancellation before the expiry date. If the purpose for which guarantee was issued is not served, 50%of original rate for the unexpired period less 1 quarter will be refunded. (Guarantee with an unexpired periodof 10 months is tendered for cancellation, refund will be calculated for 7 months @ 50% of originalcommission.)

3. Renewal / Extension ofGuarantee

Same charges as applicable for issuance of fresh guarantee. However, for the claim period, no charge to belevied if the renewal is effected before the expiry date of the original guarantee.

4. Guarantees secured by100% term depositincluding third partydeposits of our Bank

Rs.170 + 25% of normal commissionIf the B.G is secured by 100% CASA deposit full comission shall be waived


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B) Charges for Inland Letter of Credit

Particulars

Effective from

1st May,2009

1. LC Opening Charges

Following charges with a min. of Rs.750/-should be levied

Following charges with a min. of Rs.750/- should be levied

a) Usance Charge : 2.20% p.a. for theusance period (complete month or partthereof). In case of sight bills / usance for less

than 1 month, minimum one month chargesAnd

a) Usance Charge : 2.20% p.a. for the usance period (complete month or partthereof). In case of sight bills / usance for less than 1 month, minimum one month

charges And

b) Commitment Charge : For the period ofliability (from the date of opening of credit tothe last date of its validity) @ 1.10% p.a. witha minimum period of 1 month or part thereof.

b) Commitment Charge : For the period of liability (from the date of opening ofcredit to the last date of its validity) @ 1.10% p.a. with a minimum period of 1month or part thereof .

2. Extension of validity period

An extension may be allowed free ofcommitment charge, if such extension does notrun to next month, otherwise a fresh charge of1.10% p.a. for a minimum period of 1 monthwith a min. of Rs. 750/-.

An extension may be allowed free of commitment charge, if such extension doesnot run to next month, otherwise a fresh charge of 1.10% p.a. f or a minimumperiod of 1 month with a min. of Rs.750/-.

3. Increase in amount of creditBoth usance and commitment charge onadditional amount at applicable rate with aminimum charge of Rs.750/-.

Both usance and commitment charge on additional amount at applicable rate with aminimum charge of Rs.750/-.

4. Other amendments (otherthan by way of ex tension ofvalidity period or increase in thevalue of LC)

Flat commission of Rs.750/- Flat commission of Rs.750/-

5. Revolving LC

Same as per LC opening charges (usance +Commitment) + on each reinstatement usancecharges 2.20% p.a. according to tenor andcommitment charge of 1.10% p. a. onreinstated amount.

Same as per LC opening charges (usance + Commitment) + on each reinstatementusance charges 2.20% p.a. according to tenor and commitment charge of 1.10%p.a. on reinstated amount.

Min. 750/-. Min. 750/-.

6.Adv ising of LCs opened bycorrespondent Banks

Rs.735/- Rs.735/-

7. Advising of amendments Rs.490/- per amendment Rs.490/- per amendment

8. Confirmation of LC As applicable to LC opening charges. As applicable to LC opening charges.

9. Transfer Charge Rs.735/- per transfer. Rs.735/- per transfer.

10. Acceptance Commission

On all LCs established by other banks callingfor usance drafts to be drawn on and acceptedby our Bank, an acceptance commission @2.20% p. a. with a min. of Rs.750 shall becharged.

On all LCs established by other banks calling for usance drafts to be drawn on andaccepted by our Bank, an acceptance commission @ 2.20% p.a. with a min. ofRs.750 shall be charged.

11.Bills received under LC 0.22% flat. 0.22% flat.

12. Negotiation charges (inaddition to interest f rom d/onegotiation to d/oreimbursement)


For bills upto Rs.2.50 lacs 0.44% with a min. Rs.750/-

For bills over Rs.2. 50 lacs 0.28% with a min.

Rs.1500/- plus discount at applicable rate ofinterest from the date of negot iation to thedate of reimbursement.

For bills over Rs.2. 50 lacs 0.28% with a min. Rs.1500/- plus discount atapplicable rate of interest from the date of negot iation to the date ofreimbursement.


1.Negotiation charges and interest thereon are to be collected for the LCsestablished by other banks. In such case, collection charges should not be levied.

2.In case of LCs established by our Bankbranches only collection charges are to becollected and interest as per rating should becollected for the usance period. In case ofsight documents interest for a maximum periodof 15 days should be collected subject to a

minimum of Rs.750 -.

2.In case of LCs established by our Bank branches only collection charges are to becollected and interest as per rating should be collected for the usance period. Incase of sight documents interest for a maximum period of 15 days should becollected subject to a minimum of Rs.750/-.


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13. Guarantees on account ofdiscrepancies in documentsunder LC

1. If payment received under reserve iscredited to beneficiarys account 0.25% witha min. of Rs.750/-

1. If payment received under reserve is credited to beneficiarys account 0.25%with a min. of Rs .750/-


2. If payment received under reserve at t he request of the customer is not partedwith no charges.

When called upon to refund payment made tothem under reserve, Banks will pay to thenegotiating bank the face va lue of the billtogether with interest at the commercial rateof the negotiating banks plus charges.Interest / charges, if any, would be forcustomer/s a/c.

When called upon to refund payment made to them under reserve, Banks will payto the negotiating bank the face value of the bill together with interest at thecommercial rate of the negot iating banks plus charges. Interest / charges, if any,

would be for customer/s a/c.

14. LC secured by 100% cashmargin / term deposit

25% of normal charges in respect of LCopening charges subject to a minimum ofRs.750/-

25% of normal charges in respect of LC opening charges subject to a minimum ofRs.750/-

15. Issuance of certificate tobeneficiary

No charge for attestation of commercialinvoices at the time of negotiation / collection.On subsequent occasions Rs.20.00 perinvoice, minimum Rs.50.00.

No charge for attestation of commercial invoices at the time of negotiation /collection. On subsequent occasions Rs.20.00 per invoice, minimum Rs.50.00.

16. Clean Payment receivedunder LC.

Flat Charge of Rs. 200/- to Beneficiarysaccount.

Flat Charge of Rs.200/- to Beneficiarys account.

Annexure - 1

In case of prepayment of instalment(s), prepayment charges shall be levied on the prepaid amount at the following rates.

Rates for Prepayment Charges

Remaining Period in months Term loan accounts with concessional rate of interest (Rate 1) Term loan accounts without any concessional rate of interest(Rate 2)

1 0.07% 0.03%

2 0.13% 0.06%

3 0.19% 0.10%

4 0.26% 0.13%

5 0.32% 0.16%

6 0.38% 0.19%

7 0.44% 0.22%

8 0.50% 0.25%

9 0.56% 0.28%

10 0.61% 0.31%

11 0.67% 0.33%

12 0.72% 0.36%

13 0.78% 0.39%

14 0.82% 0.41%

15 0.88% 0.44%

16 0.93% 0.46%

17 0.98% 0.49%

18 1.02% 0.51%

19 1.07% 0.53%

20 1.12% 0.56%

21 1.17% 0.58%


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22 1.21% 0.60%

23 1.26% 0.62%

24 1.30% 0.65%

25 1.34% 0.67%

26 1.38% 0.69%

27 1.42% 0.71%

28 1.46% 0.73%

29 1.50% 0.75%

30 1.54% 0.76%

31 1.58% 0.78%

32 1.61% 0.80%

33 1.65% 0.82%

34 1.69% 0.84%

35 1.72% 0.85%

36 1.76% 0.87%

37 1.79% 0.89%

38 1.82% 0.90%

39 1.85% 0.92%

40 1.88% 0.93%

41 1.91% 0.95%

42 1.94% 0.96%

43 1.97% 0.98%

44 2.00% 0.99%

45 2.03% 1.00%

46 2.05% 1.02%

47 2.08% 1.03%

48 2.11% 1.04%

49 2.13% 1.06%

50 2.16% 1.07%

51 2.18% 1.08%

52 2.20% 1.09%

53 2.23% 1.10%

54 2.25% 1.11%

55 2.27% 1.12%

56 2.29% 1.13%

57 2.31% 1.14%

58 2.34% 1.15%

59 2.35% 1.16%

60 2.37% 1.17%

61 2.39% 1.18%


25/34



62 2.41% 1.19%

63 2.41% 1.19%

64 2.44% 1.21%

65 2.46% 1.21%

66 2.48% 1.22%

67 2.49% 1.23%

68 2.51% 1.24%

69 2.52% 1.24%

70 2.54% 1.25%

71 2.55% 1.26%

72 2.57% 1.26%

73 2.58% 1.27%

74 2.59% 1.27%

75 2.60% 1.28%

76 2.61% 1.29%

77 2.63% 1.29%

78 2.64% 1.30%

79 2.65% 1.30%

80 2.66% 1.31%

81 2.67% 1.31%

82 2.68% 1.32%

83 2.69% 1.32%

84 2.70% 1.32%

85 2.71% 1.33%

86 2.71% 1.33%

87 2.72% 1.34%

88 2.73% 1.34%

89 2.73% 1.34%

90 2.74% 1.34%

91 2.75% 1.35%

92 2.75% 1.35%

93 2.76% 1.35%

94 2.77% 1.36%

95 2.77% 1.36%

96 2.78% 1.36%

97 2.78% 1.36%

98 2.78% 1.36%

99 2.79% 1.37%

100 2.79% 1.37%

101 2.80% 1.37%


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102 2.80% 1.37%

103 2.80% 1.37%

104 2.81% 1.37%

105 2.81% 1.37%

106 2.81% 1.37%

107 2.81% 1.37%

108 2.81% 1.38%

109 2.82% 1.38%

110 2.81% 1.38%

111 2.82% 1.38%

112 2.82% 1.38%

113 2.82% 1.38%

114 2.82% 1.38%

115 2.82% 1.38%

116 2.82% 1.38%

117 2.82% 1.37%

118 2.82% 1.37%

119 2.82% 1.37%

120 2.82% 1.37%

PART - IVSchedule of Revised Service Charges on External Trade/Forex Business

(Inclusive of all taxes)

Will effective from 1st April 2012 Will effective from 1st April 2012

Description Pre Tax Hike Post Tax Hike

EXPORTS

Foreign Currency Credit (PCFC/EBR)

0.185% per month or part thereof (On Rupeeequivalent amount to be recovered in Rupees.)Branch should realize actual out of pocket expenses'incurred subject to minimum ofRs. 1000.00

0.188% per month or part thereof (On Rupeeequivalent amount to be recovered in Rupees.)Branch should realize actual out of pocket expenses'incurred subject to minimum of Rs. 1019.00

GM (T & IW), GM (FC) and GM (MC) will review it fromtime to time and decide about rev isions, if any required.

GM (T & IW), GM (FC) and GM (MC) will review it fromtime to time and decide about rev isions, if any required.

For each foreign currency & rupee bill Purchased/Negotiated

0.15%, subject toMinimum Rs.500/-and MaximumRs.6000/-

0.15%, subject toMinimum Rs.509/-and MaximumRs.6112/-

Concerned sanctioning autthorities, in deserv ing cases,may reduce the maximum charges toRs. 4,000/- the reason for allowing the concessions aretobe duly recorded.

Concerned sanctioning autthorities, in deserv ing cases,may reduce the maximum charges toRs. 4,075/- the reason for allowing the concessions aretobe duly recorded.

Forwarding export document to another AD towhom LC is restricted/LC is confirmed by thelatter.

0.140%;subject to Minimum Rs.370/- and Maximum Rs.5500/-

0.143%;subject to Minimum Rs.377/- and Maximum Rs.5603/-

[Zonal Managers, in deserving cases, may reduce themaximum charges to Rs. 3,370/-, the reasons forallowing the concession are to be duly recorded]

[Zonal Managers, in deserving cases, may reduce themaximum charges to Rs. 3,370/-, the reasons forallowing the concession are to be duly recorded]

Reimbursement charges under LC Negotiated up-to

Rs. 850/- Rs. 866/-


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.Over Rs. 5 lacs

Rs.1125/- Rs.1146/-

Joining in customer guarantees/ indemnities onbehalf of customers to other banks in India inrespect of discrepancies in documents negotiatedunder credit.

0.10 % Minimum Rs.300/- 0.10 % Minimum Rs.306/-

In case of overdue export bills purchased /discounted/ negotiated where proceeds are notreceived in nostro account on or before the duedate.

Negotiated upto Rs. 2 lacs - Rs.350/- per quarter or part thereof per bill. Rs.356/- per quarter or part thereof per bill.

Over Rs.2 lacs - Rs.675/- per quarter or part thereof per bill. Rs.688/- per quarter or part thereof per bill.

EXPORT BILL FOR COLLECTION

Export Collect ion Bills sent through us 0.10% (Minimum Rs.575/-, Maximum Rs.5,600/-) 0.10% (Minimum Rs.586/-, Maximum Rs.5,705/-)

Where permitted by RBI, when the entire set ofexport documents have been sent by the exporterdirectly to the overseas buyer

0.10% (Minimum Rs.575/-, Maximum Rs.5,600/-) 0.10% (Minimum Rs.586/-, Maximum Rs.5,705/-)

In case of overdue bills sent on collection wherethe proceeds are not received in India on orbefore the due date, additional commission shallbe charged as :

Upto 2 lacs Rs. 300/- per quarter or part thereof per bill Rs. 306/- per quarter or part thereof per bill

Over Rs. 2 lacs0.125% per quarter or part t hereof per bill (MaximumRs.575/- per quarter or part thereof per bill)

0.127% per quarter or part t hereof per bill (MaximumRs.586/- per quarter or part thereof per bill)

(Not applicable in case of bills drawn on countrieswith externalisation problems but paid in localcurrency and the exporter has obtained necessaryapproval from Reserve Bank of India forextension)

Where bank charges are to be recovered from the

drawee but are refused by them.

Such charges are to be recovered from drawer. Such charges are to be recovered from drawer.

COMMISSION IN LIEU OF EXCHANGE

Where preshipment advance has been granted byan Authorised Dealer against a letter ofcredit/export order but the documents under therelative letter of credit/export order arenegotiated through another bank.

0.10%(Minimum Rs. 350/-)

0.10%(Minimum Rs. 357/-)

Where the proceeds of an export bill negotiatedby an authorized dealer are paid in foreigncurrencies to another Authorized dealer.

0.17%(Minimum Rs 575/-)

0.17%(Minimum Rs 586/-)

Where an export bill sent for collection abroad byone authorised dealer but the payment is receivedin Rupees through another authorised dealer inIndia.

0.17%(Minimum Rs 575/-)

0.17%(Minimum Rs 586/-)

Where an export bill is negotiated/ purchased/sentfor collection and the proceeds thereof arecredited to foreign currency (EEFC) account inpart or in full, on the foreign currency amountcredited to EEFC account.

0.17%(If money is kept with us, no charges will be levied.)

0.17%(If money is kept with us, no charges will be levied.)

Any export bill on which no exchange benefit

accrues to the Bank including cases wherecontract is booked with another AD.

0.17%

(Minimum Rs 575/-)

0.17%

(Minimum Rs 586/-)

Deemed export bills in foreign currency as def inedby Reserve Bank of India/Exim Policy from time to

0.17%(Minimum Rs 575/-)

0.17%(Minimum Rs 586/-)


28/34



time.

Advising Letters of Credit Rs.575/- for customers Rs.586/- for customers

Rs.1100/- for non customers Rs.1121/- for non customers

Advising Amendment Rs. 350/- Rs. 357/-

for non customers Rs. 575/- for non customers Rs. 586/-

Confirmation charges

Commitment Charges 0.19% for every quarter or part thereof 0.19% for every quarter or part thereof

Usance charges0.17% per month or part thereof for bills upto onemonth

0.17% per month or part thereof for bills upto onemonth

0.28% for bills more than one month and upto threemonths

0.28% for bills more than one month and upto threemonths

0.35% for first three months + 0.10% per month inexcess of three months for bills over three months.

0.35% for first three months + 0.10% per month inexcess of three months for bills over three months.

For individual transaction above Rs. 3 crores, chargeswill be 1/4th of the normal charges on the incrementalamount above Rs 3 crores.

For individual transaction above Rs. 3 crores, chargeswill be 1/4th of the normal charges on the incrementalamount above Rs 3 crores.

(25% concession may be given to customers rated A &above for amount upto Rs 3 Crores)

(25% concession may be given to customers rated A &above for amount upto Rs 3 Crores)

Transfer of LC Rs. 575/-for each transfer and Rs. 586/-for each transfer and

Rs. 350/- for each amendment Rs. 357/- for each amendment

Acceptance commission for accepting drafts drawnon and accepted by the Banks in India

0.17% p.m. 0.17% p.m.

Issuance of Certificate / Attestation in respect ofExport transaction.

RS. 250/- each RS. 255/- each

IMPORT

Opening of LC including Stand by LC

Commitment Charges 0.17% for every quarter or part thereof 0.17% for every quarter or part thereof

Usance charges 0.20%(Minimum Rs.500/-) For bills upto 10 days sight 0.20%(Minimum Rs.509/-) For bills upto 10 days sight

0.40% for bills over10 days and up to3 months sight

0.41% for bills over10 days and up to3 months sight

0.40% for the first three months plus 0.1% for month in

excess of three months for bills over 3 months sight

0.41% for the first three months plus 0.1% for month i

excess of three months for bills over 3 months sight

For individual transaction over Rs.3 crore charges will beat 1/4th of the normal rate as specified above on theincremental amount above Rs. 3 crore.

For individual transaction over Rs.3 crore charges will bat 1/4th of the normal rate as specified above on theincremental amount above Rs. 3 crore.

(25% of concessionmay be given to the customers rated 'A' & above foramount upto Rs. 3 crores)In case of L/C established against 100% cash/FDR assecurity ,charges will be 25 % of the normal charge.

(25% of concessionmay be given to the customers rated 'A' & above foramount upto Rs. 3 crores)In case of L/C established against 100% cash/FDR assecurity ,charges will be 25 % of the normal charge.

For the purpose of levying commitment andusance charges the total amount committedinclusive of interest amount and tolerance levelshall be reckoned

NOTE :- For Sight LC only commitment charge is tobe taken, but for Usance LC both commitment andusance charges are to be taken.

Bills not covered by LC paymentswhich will be setteled out of currencyLoans arranged abroad or foreign currency

0.20% MinimumRs. 1000/-

0.20% MinimumRs. 1019/-


29/34



accounts(EEFC)

Amendment to LC

Extension of validity of LC within 3 months periodfor which the commitment charge has alreadybeen collected.

Rs 575/- Rs 586/-

Amendment extending the validity of the LCbeyond a 3 month period

Fresh commitment charge at the applicable rate perquarter or part thereof shall be recovered subject to aminimum of Rs. 575/-

Fresh commitment charge at the applicable rate perquarter or part thereof shall be recovered subject to aminimum of Rs. 586/-

Amendment of value of LCBoth commitment and usance charges are to berecovered f or the additional amount.

Both commitment and usance charges are to berecovered f or the additional amount.

Amendment for altering tenor of the billAdditional usance charges to be collected as appropriateon the outstanding liability.

Additional usance charges to be collected as appropriateon the outstanding liability.

Amendment to a LC other than extension of itsvalidity or enhancement of its value

Rs. 300/- Rs. 306/-

Revival of expired LC within 3 months from thedate of expiry.

Usance charges + commitment charge from the date oforiginal expiry upto the new validity period of therevived LC.

Usance charges + commitment charge from the date oforiginal expiry upto the new validity period of therevived LC.

Stand by letter of credit As per LC Charges As per LC Charges

REVOLVING LETTER OF CREDIT

Commitment charges

0.17% for every period of 3 months or part thereof onthe maximum amount of permissible drawings from thedate of establishment of LC to the last date of validity,subject to a minimum of Rs. 350/-.

0.17% for every period of 3 months or part thereof onthe maximum amount of permissible drawings from thedate of establishment of LC to the last date of validity,subject to a minimum of Rs. 357/-.

Usance charge 0.10% per month or part there of (Minimum Rs 280/-) 0.10% per month or part there of (Minimum Rs 285/-)

For individual transaction over Rs. 3 crores,charges will be at 1/4th of the normal rate asspecified above on the incremental amount aboveRs. 3 crores.

NOTE :- For Sight LC only commitment charge is tobe taken, but for Usance LC both commitment and

usance charges are to be taken.

(25% concession may be given to customers ratedA & above for amount upto Rs 3 Crores)

In case of L/C established against 100% cashDeposit as security charges will be 25% of normalcharge

Reinstatement charges

On each amount reinstated (from the date of thereinstatement to the date of subsequent reinstatementor the last date of validity as the case may be),commitment and usance charges as above are to berecovered.

On each amount reinstated (from the date of thereinstatement to the date of subsequent reinstatementor the last date of validity as the case may be),commitment and usance charges as above are to berecovered.

DEFERRED IMPORTS

LCs covering deferred import of goods 0.50 % per quarter or part thereof 0.50 % per quarter or part thereof

[Where LC amount ex ceeds Rs. 3 crores [Where LC amount ex ceeds Rs. 3 crores

- On the first Rs 3 crores, - On the first Rs 3 crores,

normal rate as above and for amount above Rs. 3crores 25% of the normal rate]

normal rate as above and for amount above Rs. 3crores 25% of the normal rate]

The competent authority at the time of sanctionwill stipulate whether the commission is to berecovered upfront or in specified instalments.

Extending validity within 3 months for whichcommission is already taken where validity periodfalls beyond 3 months.

Amendment commission of Rs. 500/- For anyamendment extending the validity of the Letter of creditbeyond 3 months period, commission at the applicablerate shall be recovered.

Amendment commission of Rs. 509/- For anyamendment extending the validity of the Letter of credibeyond 3 months period, commission at the applicablerate shall be recovered.

Commission on Import Bills under LCs: 0.15% 0.15%

Foreign currency bill at the t ime of crystallization

[If the bill amount exceeds Rs. 3 crores, normal charges

[If the bill amount exceeds Rs. 3 crores, normal charges


30/34



or retirement, w ic ever is ear ier. .

the amount in excess of Rs 3 crores.] .

the amount in excess of Rs 3 crores.]

Import bill received under LC on which noexchange benefit accrues to the opening bankincluding cases where contract is booked withanother AD.

0.17% (Minimum Rs. 840/-) 0.17% (Minimum Rs. 856/-)

If the bill is not retired within 10 days f rom thedate of receipt of bills in case of demand bill andon the due date in case of usance bill.

Additional 0.17% Additional 0.17%

Charge in respect of discrepant documentreceived under LC

USD 50/- USD 51/-

Rupee Bill 0.28% with a minimum of Rs 850/- 0.28% with a minimum of Rs 866/-

[Where the bill amount exceeds Rs. 3 crores. Normalcharges upto Rs. 3 crores and 40% of Normal Chargefor the amount exceeds Rs. 3 crores.]

Commission on Import bills (not under LC)

On each bill drawn in Foreign currency, on whichthe collecting bank earns exchange benefit.

0.28% ( minimum of Rs 850/- and maximum Rs.56200) 0.28% ( minimum of Rs 866/- and maximum Rs.57251)

[For the bill amount exceeding Rs 3 crores, normalcharges upto Rs 3 crores and 40% of the normalc

Documents

UCO Service Charges