Service Charges

JANATHA SEVA CO-OPERATIVE BANK LTD.,



SL NO	Details of Charges on Services offered by the Bank	Charges in Rs.
	SHARE DEPARTMENT
1	Share Application Fee	50
2	Share Admission Fee	25
3	Share Fee on Purchase of each Share	10
4	Share Fee on Transfer of each Share	10
5	Duplicate Share Certificate	100
6	Duplicate ID Card	100
7	Associate to Regular Membership Conversion Fee	100

	DEPOSIT
1	Duplicate Deposit Certificate with indeminity up to Rs.50000/-	100
2	Duplicate Deposit Certificate with indeminity Above Rs.50000/-	200
3	Duplicate RD card	100
4	SB Duplicate Pass Book	50
5	SB A/c Closing Charges	100
6	Current A/c Closing Charges	200
7	Current A/c Incidental Charges(Annually)	200
8	Stop Payment Charges (per cheque)	100
9	SB Account Pass Sheet – per sheet	5
10	Current A/c Pass Sheet – per sheet	10
11	Cheque Book Charges for SB & Current A/c- per leaf	1
12	Cash Deposit to SB & Current Account above Rs. 20.00 Lakhs	0.02%
13	Charges in made of Operation of the A/c – Conversion of SB Minor to Major A/c	100
14	Signature /Photo Verification of Certificate of A/c holder	100
16	SMS Charges Annually	100
17	Nominee Change	100
18	Card safe application maintenance charges(Annually)	50
	DIGITAL PAYMENT DEPARTMENT
1	ATM Card Charges	200
2	Mobile Banking Re-registration Charges(Due to mobile change)	100
3	NEFT/RTGS Charges – Upto 1,00,000/-	5
	1,00,000/- to 5,00,000/-	25
	5,00,000/- and above	50
4	ATM card Annual Charges	200
5	IT /PF /PT & other Payments per transaction	50

	CHEQUE COLLECTION DEPARTMENT
1	Inward Cheque Return Charges	150
2	Outward Cheque Return Charges	150
3	Cheque /PO /DD Discount Charges upto 50,000/- per day	50
	Cheque /PO /DD Discount Charges above 50,000/- per day	0.10%

	DD /PO Department
1	PO / DD Commission upto 5,000/-	20
	PO / DD Commission above 5,000/- to 10,000/-	25
	PO / DD Commission above 10,000/- to 15,000/-	30
	PO / DD Commission above 15,000/-	0.2%
	PO/DD Revalidation Charges	50
2	Cancellation of DD / PO	50
3	Locker Break Open Charges	5000
4	Locker Rent :
	Small	500
	Medium	1000
	Large	2000
	Extra Large	3500
	Penal Charges for Locker Rent	2% of actual rent per month
	LOANS & ADVANCES
1	Loan Application Fee	50
2	Legal Charges	3000
3	Valuation Charges – Only Vacant site	1500
	– Site & Building	2000
4	Processing Charges for Loans(except Deposit Loans)	0.50%
	Processing charges for Janatha seva Rental Loan	0.25%
5	Gold Loan Appraiser Charges – Upto 2 Lakhs	200
	– Above 2 to5 Lakhs	300
	– Above 5 Lakhs	500
6	Processing Charges on OD Sanction / Renewal
	a) 2,00,00,000/-	0.50%
	b) 2,00,00,000/- to 4,00,00,000/-	0.40%
	c) 4,00,00,000/- to 5,00,00,000/-	0.30%
7	Insurance Charges (Property Loan & Gold Loan)	As per the Insurance premium
8	Stamp Charges – above 1.00 Lakh	As per stamp Act
9	EC Charges	250
10	Loan Pre Closure Charges (Reducing Balance scheme) (expect vechicle loans)
	– Upto 1 year	2% of the loan Drawing power
	– above 1 year to 3 years	1%of the loan Drawing power
	– above 3 years to 5 years	0.5% of the loan Drawing power

	EMI Scheme: – Below 1 year	3%
	– Above 1 year to 3 years	2%
	– Above 3 years to 5 years	1%
11	Recovery :
	1) Notice Charges- 1st Notice	21
	2) Notice Charges- 2nd Notice	50
	3) Notice Charges- 3rd Notice	50
12	Demand Notice Charges	500
13	Possession Notice Charges	1000+paper Notification
14	Sale Notice Charges	2000+News Paper Notification
15	Legal Notice and Case appearance Charges	As per Advocate fees
16	Physical Possession of the Property	As per Advocate fees

17	Bank Guarantee	0.2%

GST as applicable for all the services offered by the Bank.