Notice for miscellaneous service charges Notice for revision in locker rental charges w.e.f 1st October 2018 Service charges applicable to Savings / Current / Term deposit / Overdraft / Loan a/c. GST will be levied over and above the service charges applicable.
No
Type of Charge
Charges Amount (Rs)
1
Ledger folio
A
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit (Small Account)/ Elite/ Elite Silver/ Elite Gold/ Campus/ Akshay salary/ Suvidha/ PMJDY Savings Account
No charges
B
Regular/ Elite Current a/c/ Overdraft a/c
Minimum Rs. 100 per quarter, otherwise Rs. 50 per folio of 40 entries or part thereof whichever is higher
C
Platinum Current a/c
D
Premium Current a/c
Minimum Rs. 50 per quarter, otherwise Rs 25 perfolio of 40 entries or part thereof whichever is higher
2
Duplicate Passbook
Rs 50/- per passbook
Regular/ Elite/ Platinum/ Premium Current a/c/ Overdraft a/c
Not applicable
3
Duplicate Statement (Per page = 40 entries)
Rs 50/- per page or part thereof
Rs 75/- per page or part thereof
4
Cheque leaf charges (Per leaf)
Savings a/c - Regular/NRE/NRO/Senior citizen/Easy deposit scheme/ Campus/ Akshay salary/ Suvidha
20 cheque leaves free every financial year, thereafter Rs 4/- per cheque leaf
Elite Savings a/c
40 cheque leaves free every financial year, thereafter Rs 4/- per cheque leaf
Elite Silver Savings a/c
100 cheque leaves free every financial year, thereafter Rs 4/- per cheque leaf
Elite Gold Savings a/c
Free unlimited
E
Cubs Savings a/c
Not Applicable
F
Janhit (Small Account) Savings a/c
G
Regular Current a/c
50 cheque leaves free p.a. , thereafter Rs 4/- per cheque leaf.
H
Elite Current a/c
200 cheque leaves free p.a. , thereafter Rs 4/- per cheque leaf.
I
250 cheque leaves free p.a. , thereafter Rs 4/- per cheque leaf.
J
5
Issue of loose cheque leaf
(i) Urban/ Metro branches = Rs 5/- per cheque leaf
(ii) Semi-Urban branches = Rs 2.50/- per cheque leaf
(iii) Rural branches = Rs 2.50/- per cheque leaf
6
Non Collection of Personalized Cheque book from the branch within stipulated time (Return undelivered)
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit (Small Account)/ Elite/ Elite Silver/ Elite Gold/ Campus/ Akshay salary/ Suvidha
Rs 25/- per cheque book
Rs 50/- per cheque book
7
Minimum balance for With/ without Cheque book facility – Average quarterly balance (AQB) requirement w.e.f 07.01.2019
Regular Savings a/c - a). For Individuals - Including minor /NRE/NRO b) For Non individuals - Trust, Foundation, Society, HUF etc.
(i) Urban/ Metro branches = Rs 2000/-
(ii) Semi-Urban branches = Rs 1000/-
(iii) Rural branches = Rs 500/-
(i) Urban/ Metro branches = Rs 5000/-
(ii) Semi-Urban branches = Rs 5000/-
(iii) Rural branches = Rs 5000/-
(i) Urban/ Metro branches = Rs 25000/-
(ii) Semi-Urban branches = Rs 25000/-
(iii) Rural branches = Rs 25000/-
(i) Urban/ Metro branches = Rs 100000/-
(ii) Semi-Urban branches = Rs 100000/-
(iii) Rural branches = Rs 100000/-
(i) Urban/ Metro branches = Rs 100/-
(ii) Semi-Urban branches = Rs 100/-
(iii) Rural branches = Rs 100/-
Easy deposit/ Campus/ Akshay salary/ Suvidha Savings a/c/ PMJDY Savings Account
(i) Urban/ Metro branches = Nil
(ii) Semi-Urban branches = Nil
(iii) Rural branches = Nil
(ii) Semi-Urban branches = Rs 2500/-
(iii) Rural branches = Rs 1500/-
(i) Urban/ Metro branches = Rs 10000/-
(ii) Semi-Urban branches = Rs 10000/-
(iii) Rural branches = Rs 10000/-
(i) Urban/ Metro branches = Rs 300000/-
(ii) Semi-Urban branches = Rs 200000/-
(iii) Rural branches = Rs 200000/-
K
(i) Urban/ Metro branches = Rs 50000/-
(ii) Semi-Urban branches = Rs 50000/-
(iii) Rural branches = Rs 50000/-
8
Charges for non maintenance of Average quarterly balance (AQB) w.e.f 07.01.2019
Shortfall from prescribed AQB <=50%
(i) Urban/ Metro branches = Rs 50/- per quarter
(ii) Semi-Urban branches = Rs 30/- per quarter
(iii) Rural branches = Rs 20/- per quarter
All branches = Rs 500/-per quarter
All branches = Rs 850/- per quarter
For AQB balance below Rs 100
All branches = Rs 5/- per quarter
(i) Urban/ Metro branches = Rs 1000/- per quarter
(ii) Semi-Urban branches = Rs 600/- per quarter
(iii) Rural branches = Rs 500/- per quarter
Rs 1000/- per quarter
Rs 2500/- per quarter
Rs 1200/- per quarter
9
Stop payment instruction
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit (Small Account)/ Elite/ Elite Silver/ Elite Gold/ Campus/ Akshay salary/ Suvidha a/c
Rs 100/- + GST per cheque leaf, Maximum Rs.500/- + GST per instance
Rs 150/- + GST per cheque leaf, maximum Rs.500/- + GST per instance
10
Stop payment instruction after Loss of complete cheque book or range of cheques
Rs 100/- per instance
Rs 200/- per instance
11
Charges for setting Standing instruction for payment of loan/ RD instalment for account maintained across the Bank
12
Charges for setting Standing instruction where both debit/ credit a/c pertains to the same branch
13
Charges for setting Standing instruction where credit a/c (other than loan/RD) pertains to other branch
Rs 15/- per instruction
Regular/ Elite/ Premium Current a/c/ Overdraft a/c
14
Charges for Standing instruction transaction involving credit to another branch
Rs 10/- per transaction
15
Confirmation of signature
Rs 50/- per request
16
Photo attestation
17
Address confirmation
18
Solvency certificate for Education loan purpose
Rs 1000/- for 1st copy & Rs 100/- per copy of the rest original copies
Regular / Elite Current a/c/ Overdraft a/c
Rs 500/- for 1st copy & Rs 50/- per copy of the rest original copies
Non – Account holders
Rs 3000/- for 1st copy & Rs 150/- per copy of the rest original copies
19
Solvency certificate for Other purpose
Minimum Rs 750/-, otherwise Rs 250/- per lac or part thereof subject to maximum of Rs 100000/-
Minimum Rs 250/-, otherwise Rs 125/- per lac or part thereof subject to maximum of Rs 100000/-
20
Balance certificate
First certificate free. Duplicate or additional copies Rs 25/- per copy
First certificate free. Duplicate or additional copies Rs 12.50/- per copy
21
Issue of certificate viz. No Dues, NOC, Interest certificate, Cheque honoured, Account Maintaining etc
22
Enquiry Of Old Transactions
(i) Upto 1 year = Free
(ii) Beyond 1 year to 3 year = Rs 100/- per request
(iii) Beyond 3 years = Rs 100/- per request or Rs 100/- per page (max 40 entries per page) whichever is higher
(ii) Beyond 1 year to 3 year = Rs 150/- per request
(iii) Beyond 3 years = Rs 150/- per request or Rs 150/- per page (max 40 entries per page) whichever is higher
23
Transfer Of Account/ Term deposit (after maturity)/ Term deposit Interest
(i) Within Bank: No charges
(ii) To Other Bank: As applicable for DD/Payorder issuance
24
Unutilised cheque leaves at the time of closure of Account
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Elite/ Elite Silver/ Elite Gold/ Campus/ Akshay salary/ Suvidha
Rs 5/- per cheque leaf
Janhit (Small Account) Savings a/c/ PMJDY Savings Account
Rs 2/- per cheque leaf
25
Closure Of Account
Savings a/c - Regular/NRE/NRO/Senior citizen/ Easy deposit scheme/ Cubs/ Campus/ Akshay salary/ Suvidha
(i) Within 6 Months = Rs 200/-
(ii) Within 1 year = Rs 150/-
(i) Within 6 Months = Rs 250/-
Within 1 year = Rs 500/-
Within 1 year = Rs 750/-
Within 6 Months = Rs 10/-
(i) Within 6 Months = Rs 500/-
(ii) Within 1 year = Rs 250/-
(i) Within 6 Months = Rs 300/-
(ii) Within 1 year = Rs 200/-
(i) Within 6 Months = Rs 2000/-
(ii) Within 1 year = Rs 1000/-
(i) Within 6 Months = Rs 1000/-
(ii) Within 1 year = Rs 500/-
26
Addition / Deletion Of Names
In joint accounts / Nomination changes in operational instruction
Rs 25/-per request
In case of death case
27
Allowing operation through power of attorney/ Mandate
Rs 50/-per request
28
Withdrawal by cheque or otherwise exceeding 50 per half year (Excluding system generated transactions on alternate delivery channel of our Bank)
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Elite/ Elite Silver/ Elite Gold/ Campus/ Akshay salary
Rs 5/- per withdrawal after the 50thtransaction
Janhit (Small Account) / Suvidha Savings a/c / PMJDY Savings Account
Regular/ Elite/ Platinum/ Premium Current a/c
29
Cash Deposit/ Withdrawal limit at home branch
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit (Small Account)/ Elite/ Elite Silver/ Elite Gold/ Campus/ Akshay salary/ Suvidha / PMJDY Savings Account
Deposit/ Withdrawal = No limit
30
Cash handling charges at home branch
Savings a/c - Regular/ NRE /NRO/ Senior citizen/ Easy deposit scheme/ CUBS/ Janhit (Small Account)/ Elite/ Elite Silver/ Elite Gold/ Campus/ Akshay salary
Deposit/ Withdrawal = No charges
Suvidha Savings a/c / PMJDY Savings Account
Deposit = No charges
Withdrawal = First 4 transactions free in a month thereafter Rs. 10/- each for subsequent transaction.
Regular Current/ Elite Current/ Overdraft a/c – Withdrawal charges per day per branch
If total Cash Withdrawal for that particular branch for that particular day exceeds Rs 100000/- = Rs 5/- per 10000 or part thereof on the full amount
Regular Current/ Elite Current/ Overdraft a/c – Deposit charges per day per branch
Regular Current/Overdraft a/c – Free pieces per day per branch (home and non-home branch) - 200 Thereafter Rs. 5/- per 100 pieces or part thereof.
Platinum/ Premium Current a/c- Deposit charges per day per branch
Premium - Free pieces per day per branch (home and non-home branch) - 500 Thereafter Rs. 5/- per 100 pieces or part thereof.
Cash deposited by Customer/ Non customer for remittance by way of DD/PO/ NEFT
Higher of (i) or (ii)
(i) On the basis of amount - Rs 10/- per 10000 or part thereof on the full amount
(ii) On the basis of notes – Rs. 10/- per 100 notes or part thereof
31
Cash Deposit/ Withdrawal limit at non home branch
(i) Deposit = No limit
(ii) Withdrawal = Rs 25000/- per day
(ii) Withdrawal = Rs 50000/- per day
32
Cash handling charges at non home branch
If total Cash Withdrawal for that particular branch for that particular day exceeds Rs 100000/- = Rs 10/- per 10000 or part thereof on the full amount
Platinum Current a/c- Deposit charges per day per branch
Platinum– Free pieces per day per branch (home and non-home branch) - 1500 Thereafter Rs. 5/- per 100 pieces or part thereof.
Premium Current a/c – Withdrawal charges per day per branch
Premium Current a/c – Deposit charges per day per branch
33
Remittance by issue of DD/ Mail transfer/ TT
Upto Rs 1000
Rs 20/-
Above 1000 and upto Rs 1 lakh
Minimum Rs 30/-, otherwise Rs 3/- per 000 whichever is higher
Above 1 lakh and upto Rs 10 lakh
Minimum Rs 300/-, otherwise Rs 2/- per 000 whichever is higher
Above 10 lakh
Minimum Rs 300/-, otherwise Rs 2/- per 000 whichever is higher subject to Maximum Rs 15000/-
34
Issue Of Payorder/ DD
Elite/ Elite Silver/ Elite Gold Savings a/c
Free Unlimited
Savings a/c - Regular/NRE/NRO/Senior citizen/ Easy deposit scheme/ Cubs/ Janhit (Small Account) / Campus/ Akshay salary/ Suvidha / PMJDY Savings Account
(i)
Rs 30/- + GST
(ii)
Minimum Rs 50/-, otherwise Rs 4/- per 000 +GST
(iii)
Rs 3/- per 000 +GST
(iv)
Maximum Rs 15000/- +GST
Regular Current/ Overdaft a/c
Elite Current a/c (5 Payorder/ DD free per calendar month with maximum limit of Rs 25000/- per Payorder/ DD thereafter as below)
Platinum/ Premium Current a/c
35
Revalidation of Payorder/ DD
Rs 50/- per instrument
36
Cancellation of Payorder/ DD
37
Issue of duplicate Payorder/ DD
38
Electronic Clearing Service (Return)
Rs 150/- + GST
Rs 300/- + GST
39
RTGS Inward
Free
40
RTGS Outward at the branch
42
NEFT Inward
43
NEFT Outward at the branch
45
Collection Of outward / Inward cheque
Upto Rs 5000
Rs 25/-
Above Rs 5000 & upto Rs 10000
Rs 50/-
Above Rs 10000 & upto Rs 100000
Rs 100/-
Above Rs 100000
Rs 150/-
46
Collection Of outward / Inward bill
Rs 30/-
Above Rs 1000 & upto Rs 5000
Rs 70/-
Minimum Rs 60/-, otherwise Rs 6/- per 000 whichever is higher
Above Rs 100000 & upto Rs 1000000
Minimum Rs 500/-, otherwise Rs 5/- per 000 whichever is higher
Above Rs 1000000
Minimum Rs 3000/-, otherwise Rs 4/- per 000 whichever is higher subject to Maximum Rs 15000/-
47
Return Dishonour Of bill/ Cheque
(i) Inward Clearing = Rs 150/- + GST
(ii) Outward Clearing = Rs125/- + GST
(i) Inward Clearing = Rs 300/- + GST
(ii) Outward Clearing = Rs 200/- + GST
52
Fore-closure/ prepayment penalty on floating interest rate home loans
53
Printing & postage charges for notices sent to Dormant/Inoperative savings & current account holders
Printing & postage charges at actual
Service Charges for Demat Account (w.e.f. 01.07.2014)
Sr.
Tariff Head
Tariff Rate
Account Opening :
Nil
Dematerialisation :
Rs. 3/- per certificate with a minimum of Rs. 25/
plus Rs. 25/- courier charges.
Rs. 30/- per request as courier charges for mutual fund request.
Rematerialisation :
a) Rs. 25/-per certificate plus Rs. 25/- courier charges
b) Rs. 25/- for every 100 securities or part thereof plus Rs. 25/- courier charges
The charges will be applicable as per clause ‘a’ or ‘b’ whichever is higher.
Recoversion of Mutual Fund units into Statement of Account (SOA)
Rs. 25 per instruction.
Redemption of Mutual units through Saraswat Bank
0.04% of the market value of transaction with a minimum of Rs. 21/- per transaction.
Transaction Charges :
a) Sale
0.04% of the market value of transaction with a minimum of Rs. 21/- per transaction
b) Purchase
Sale of Debt Securities
0.04% of the value of transaction with a minimum of Rs. 40/- per transaction and maximum of Rs. 1000/- per transaction.
Pledge :
a) Pledge Creation
Rs. 50/- per ISIN
b) Pledge Closure
Rs. 25/- per ISIN
c) Pledge Invocation
Custody Fee :
Annual Maintenance Charges:
NSDL
a) Individuals & other categories
Rs. 400/- per annum
b) Corporate accounts
Rs. 900/- per annum
CDSL
c) Individuals & other categories
d) Corporate accounts
Speed–e on NSDL :
a) AMC charges
Rs. 50/- per annum (In addition to Regular AMC)
b) Sale transaction
Rs. 10/- per transaction
Easiest on CDSL :
NIL
KYC Registration Agency :
a) Upload of KYC data
Rs. 50/- per holder
b) Download of KYC Data
Conditions:
Locker Rent charges for Andheri West Branch w.e.f 1st April 2019*