ROI Service Charges

  • Rate of Interest

  • Service Charges

  • Deposits

    ROI for Domestic Savings, NRE Savings & Term Deposits: (W.E.F. 22nd Nov 2023)
    Savings Deposits (Domestic, NRE & others) 2.50 % p.a.
    NRE Term Deposits above 12 months to 18 months 5.50% p.a.
    NRE Term Deposits above 18 months to 36 months 6.00% p.a.
    NRE Term Deposits above 36 months - below 60 months 6.25% p.a.

    Note :

    • Above mentioned RoI is for Term Deposits Upto Rs. 100 lakh.
    • RoI for Bulk Term Deposits above Rs. 100 lakh To Rs. 500 lakh is 50 BPS lower than the card rate (Retail Deposits).



    Interest Rate applicable for Term Deposits below Rs.15 lakh effective from 22-Nov-2023 will be as under :
    Tenure For General For Senior Citizen
    7 to 14 Days 3.00% 3.50%
    15 to 45 Days 3.00% 3.50%
    46 days to 90 days 4.00% 4.50%
    91 days to 179 days 4.50% 5.00%
    180 days to 250 days 5.00% 5.50%
    251 Days Special - MMDS 5.50% 6.00%
    252 Days to 1 years 5.50% 6.00%
    Above 1 year to less than 2 year 6.75% 7.25%
    2 years to less than 3 years 7.00% 7.50%
    3 years to less than 5 years 6.50% 7.00%
    5 years to 10 years 6.50% 7.00%
    Tax Savings Scheme Monthly and Qyaterly Interest Payout (5 year Lock-in) 6.00% 6.50%
    Tax Savings Scheme - Cumulative Interest (5 year Lock-in) 6.00% 6.50%
  • Retail Loan

    Sr. No. Retail Loan Schemes Loan Amount Margin Share Linkage Process Fee Rate of Interest % Guarantors requirement Repayment period
    1(i) Term Loan
    against Bank’s Term Deposit (FDLN)
    Maximum: As per bank's exposure norms and margin criteria 5% to 10% Nil Nil ROI of FD+1%(Up to Rs.15.00 lakh) ROI of FD+0.50% to 0.75%(For Rs.15.00 lakh and above) For Third party (ROI of FD+ 1%) Single Loan OR Fix Deposit above Rs.100.00 lakh- additional ROI-0.50% to 1.00% N.A. Up to maturity of Deposit
    (ii) Overdraft
    against Bank’s Term Deposit (FDOD)
    Maximum: As per bank's exposure norms and margin criteria 10% Nil Nil ROI of FD+1%(Up to Rs.15.00 lakh) ROI of FD+0.50% to 0.75% (For Rs.15.00 lakh and above) For Third party (ROI of FD+ 1%) Single loan OR Fix Deposit above Rs.100.00 lakh additional ROI @0.50% to 1.00% N.A. 12 months OR Maturity of FD whichever is earlier
    2(i) Term Loan against Gold Ornaments- Bullet Payment (GLLN) Maximum: Rs.2.00 lakh 35% NMF up to Rs.1.00 lakh, and for above Rs.1,000/- Up to Rs.1.00 lakh-Rs.500/- Above Rs.1.00 lakh-0.50% 9.00% N.A. 12 months
    (ii) Term Loan against Gold Ornaments 24 EMIs (GLLN -1) Maximum: As per bank's exposure norms and margin criteria 25% NMF up to Rs.1.00 lakh, and for above Rs.1,000/- Up to Rs.1.00 lakh-Rs.500/- Above Rs.1.00 lakh-0.50% 9.00% N.A. 24 months
    3(i) Term Loan facility against Govt. Paper Securities NSC/LIC Maximum : As per bank's exposure norms and margin criteria 10% if above 3 years else 20% Rs.1,000/- Up to Rs.1.00 lakh-Rs.500/-, Above Rs.1.00 lakh-0.50% 9.50% N.A. Maximum 60 months OR residual period up to maturity of security whichever is shorter. For Overdraft 12 months subject to review
    (ii) Overdraft against Govt. Paper Securities NSC/LIC Maximum : As per bank's exposure norms and margin criteria 10% if above 3 years else 20% Rs.1,000/- Up to Rs.1.00 lakh-Rs.500/-, Above Rs.1.00 lakh-0.50% 9.50% N.A.
    4(i) Kalyan Suvidha – Personal Loan Scheme (PLLN) Minimum: Rs.0.50 lakh Maximum Rs.5.00 lakh 10% @ 5.00% of Loan Amount @ 1.00% of Loan Amount Minimum Rs.500/- 13.50% if repayment tie up with salary. 14.00% - In all other cases. One Guarantor Maximum 8 years (6 months moratorium-Approval by C.M.H.O.-Credit)
    (ii) Kalyan Suvidha – Personal Overdraft Minimum: Rs.0.50 lakh Maximum Rs.5.00 lakh -- @ 5.00% of Loan Amount @ 1.00% of Loan Amount Minimum Rs.500/- 13.50% if repayment tie up with salary. 14.00% - In all other cases. One Guarantor Repayable on demand subject to Annual Review
    5 Kalyan Vishesh Vaiyaktik Karja Yojana (SPLLN) Minimum: Rs.2.00 lakh Maximum Rs.5.00 lakh 10% of Agreement Cost/Const Cost @ 5.00% of Loan Amount @ 1.00% of Loan Amount Minimum Rs.500/- 13.50% if repayment tie up with salary. 14.00% - In all other cases. Minimum One Guarantor 9 Years
    6 Kalyan Vastu Scheme (HSLN) Minimum: Rs.5.00 lakh Maximum Rs.140.00 lakh (subject to limit allowed by RBI) For New 10%, For Resale 10% @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower @ 0.25% of Loan Amount For Salaried & Businessman: Up To Rs.35.00 lakh - 8.50%. Up to above Rs. 35.00 lakh- 10.00%. No Guarantor, however spouse to be taken as Co-applicant. If spouse is not taken as guarantor then One Guarantor Maximum 20 years (Moratorium till construction OR 18 months whichever is earlier in deserving cases and on demand)
    7 Kalyan Vahan (Four Wheeler/Two Wheeler- KVLN) Maximum : As per bank's exposure norms and margin criteria For New :
    Nil on Basic Cost OR 10% of on-road price.
    For Resale : 20%
    @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower No Guarantor. (Spouse on Best Effort Basis) Four Wheeler :
    CIBIL score up to 700 – 9.00% p.a. CIBIL Score above 700- 8.50% (For Resale 1.00% extra) Four Wheeler For loan above Rs.20.00 lakh: CIBIL score up to 700 - 10.00%.p.a. and CIBIL score above 700- 9.50% (For Resale 1.00% extra) Two Wheeler: 12.00%
    Four Wheeler :
    Rs. 5000/- Lumpsum For Two Wheeler: Rs. 1500/- Lumpsum
    7 years for new Car 4 years used Car (based on valuation report)
    Four Wheeler :
    For loan above Rs.20.00 lakh : CIBIL score up to 700 - 10.00%.p.a. and CIBIL score above 700- 9.50% (For Resale 1.00% extra) Two Wheeler 12.00%
    8 Kalyan Vastu Vikas (KVVLN) Minimum: Rs.2.00 lakh Maximum: For CDOD Rs.35.00 lakh and for Term Loan (may be up to Rs.100.00 lakh) 20% @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower @ 0.50% of Loan Amount Minimum Rs.1000/- Up Rs.35.00 lakh -10.00% Above Rs.35.00 Lakh 10.50% One Guarantor 15 Years
    9 Kalyan Sankalp Siddhi (KSS) Minimum: Rs.5.00 lakh Maximum: Rs.35.00 lakh (may be up to Rs.100.00 lakh) 10% @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower @ 0.50% of Loan Amount Minimum Rs.1000/- One Guarantor 15 Years (inclusive of moratorium of 24 months if required)
    10 Kalyan Paryatan – Term Loan for Tour Minimum: Rs.0.25 lakh Maximum: As per bank's exposure norms 10% up to Rs.2.00 lakh and 20% above 2.00 lakh @ 5.00% of Loan Amount 0.50% of loan amount (Minimum Rs.1000/-) 13.50% for unsecured.
    12.00% for secured
    One Guarantor 15 Years
    11 Kalyan Gramin Suvidha scheme (KGSY) Maximum : Rs.10.00 lakh 20% @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower @ 0.50% of Loan Amount Minimum Rs.1000/ 11.00% One Guarantor 10 Years
    12 Kalyan Gramin Udyog Scheme (KGUY)-Ganapati Idol making above Rs.5.00 lakh to be covered under Maximum : Rs.15.00 lakh 20% @ 1.00% of Loan Amount OR Rs. 25000/- whichever 0.50% of loan amount (Minimum Rs.1000/-) 11.00 % One Guarantor 10 Years
    13 Kalyan Gramin Gruh Nirman (KGGN) Maximum :
    1) Rs.15.00 lakh for purchase of flat.
    2) Rs. 25.00 lakh for cosntruction of house/bunglow
    10% @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower 0.50% of loan amount (Minimum Rs.1000/-) 11.00% One Guarantor 15 Years
    14 Kalyan Saraswati Education Loan (Unsecured loan up to Rs.5.00 lakh) For unsecured
    Minimum :Rs.0.50 lakh. Maximum : Rs.5.00 lakh
    For Secured
    Minimum :Rs.0.50 lakh. Maximum : Rs.50.00 lakh.
    10% @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower 0.50% of loan amount (Minimum Rs.1000/-) 10.00% One Guarantor 12 Years (Including moratorium). However, up to Rs.5.00 lakh, repayable in 60 months (Excluding moratorium)
    15 Kalyan Shushrut Yojana Minimum: Rs. 5.00 lakh
    Maximum: Rs. 500.00 lakh
    20% on cost of Machinery and Estimate of Renovation and 10% on Property
    For Purchase of Ambulance NIL on basic price
    1) Up to Rs.50.00 lakh - 2.50% OR Rs.0.50 lakh, minimum
    2) Above Rs.50.00 lakh up to Rs.100.00 lakh - 2.50% OR Rs.1.00 lakh minimum
    3) Above Rs.100.00 lakh up to Rs.500.00 lakh - 2.50% OR Rs.2.00 lakh minimum
    0.50% of loan amount (Minimum Rs.1000/-) Up To Rs.35.00 lakh - 9.00%
    Above Rs.35.00 lakh to Rs.50.00 lakh - 9.50%
    Rs.50.00 lakh and Above based on CRR
    One Guarantor 48 to 84 months (inclusive of moratorium period) for Furniture / Equipment
    84 to 120 months (inclusive of moratorium period) for premises
    12 months for Overdraft limit (Maximum 18 months moratorium depending upon need and requirement of project)
    16 Ganpati Murtikar/Idol Maker Scheme Minimum: Rs.0.25 lakh
    Maximum: Rs.5.00 lakh
    -- @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower 0.50% of loan amount (Minimum Rs.1000/-) 11.00% One Guarantor One Time repayment (By end of Festive Season- Sept/Oct)
    17 Top Up under -
    All loans A/cs where property is mortgaged with us.
    As per available coverage and repayment Capacity 20% @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower 0.50% of loan amount (Minimum Rs.1000/-) Up Rs.35.00 lakh -8.50% Above Rs.35.00 Lakh10.00%Up Rs.35.00 lakh -8.50% Above Rs.35.00 Lakh10.00% For Housing Top Up Loan : No Guarnator & Consent from existing guarantor. (However spouse tobe taken as Co Applicant) For Top up Term Loan : One Guarantor or Existing Guarantors Maximum 120 months
    18 Kalyan Vahan (Light Commercial Vehicle - KVLN) Manimum : Rs.5.00 lakh. Maximum : Rs. 35.00 lakh. 25% on Hypothecati on and 20% on Property @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower 0.50% of loan amount (Minimum Rs.1000/-) 10.00% Minimum One guarantor Maximum Tenure up to 7 years (Including initial moratorium up to 12 months)
    19 Personal Overdraft scheme for practising C.A Minimum : Rs.0.50 lakh. Maximum : Rs. 5.00 lakh -- @ 5.00% of Loan Amount 0.50% of loan amount (Minimum Rs.1000/-) Priority Sector : 9.50% Non Priority Sector : 11.00% No Change (Spouse on best effort basis) Repayable on demand subject to Annual Review
    20
    (New Sche me
    Kalyan Vahan (Light Commercial Vehicle - KVLN) Maximum Rs.10.00 lakh. (Subject to applicable T&C Minimum : Rs.0.50 lakh. Maximum : Rs. 10.00 lakh. For New Vehicle only 20% of on road price @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower 0.50% of loan amount (Minimum Rs.1000/-) 10.50% One Guarantor 5 years
    21
    (New Sche me
    Kalyan Pensioners (PLLN) Minimum : Rs.0.50 lakh. Maximum : Rs. 5.00 lakh. 10% @ 5.00% of Loan Amount @ 1.00% of Loan Amount Minimum Rs.500/- 9.50% One Guarantor (T & C applicable) Up to 5 years (T& C applicable)
    22 Kalyan Go-Green Electrical Vehicle Loan Scheme Personal Use:
    Minimum : Rs.0.50 lakh. Maxumum: As per bank's exposure norms and margin criteria
    Commercial Use:
    Minimum :Rs.0.50 lakh. Maximum : Rs. 10.00 lakh.
    10% @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower 0.50% of loan amount (Minimum Rs.1000/-) Personal use : 9.00%
    Commercial use : 10.00%
    Two Wheeler : 12.00%
    For Personal use : No Guranarator For Commercial use : One Guarantor For Two Wheeler :
    Up to 5 Years For
    Four Wheeler :
    Up to 7 Years
    23 Kalyan Saur Urja Minimum : Rs.0.50 lakh.
    Maximum : Rs. 35.00 lakh.
    25% @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower 0.50% of loan amount (Minimum Rs.1000/-) Loan up to Rs. 35.00 Lakh : 10.50%
    Loan aabove Rs. 35.00 Lakh: 11.00%
    One Guarantor + Spouse * Up to 7 Years
    24 Kalyan Vahan - Heavy Copmmercial Vehicle Loan Minimum : Rs.5.00 lakh.
    Maximum : Rs. 100.00 lakh.
    20% No change 0.50% of loan amount (Minimum Rs.1000/-) 10.5% (Incentive 0.50% on prompt repayment quarterly basis will be discontinue henceforth) Min. Two Guarantor Maximum up to 8 yearts inclusive moratorium period
    25 Kalyan Udyog Mantra (For purchase of Machinery) Minimum : Rs.1.00 lakh.
    Maximum : Rs. 100.00 lakh.
    20% @ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower 0.50% of loan amount (Minimum Rs.1000/-) Without Collateral: 11.00%* Collateral Security 50% - ROI 10.50% Collateral Security 60% - ROI 10.00% Collateral Security 70% - ROI 9.50% Collateral Security 80% - ROI 9.00% Min. Two Guarantor Maximum up to 7 yearts inclusive moratorium period

    Note :

    1 Charges on actual basis means all charges( with applicable GST

    2 For all above loans Terms and Conditions applied as per Book Let./Scheme Document

    3 Salary Tie-up : Salary directly credited with our Bank under confirmation from employe

  • Special Retail Loan

    SR. NO PRODUCT NAME ROI MARGIN SHARE LINKAGE PROCESSING FEES (EXCLUDING GST) DOCUMENTATION CHARGES GUARANTOR/S NOMINAL MEMBERSHIP FEES
    1 Personal Loan
    Kalyan Vishesh Vaiyaktik Karja For salaried individuals along with guarantor -11.40 % p.a. 15 % of agreement cost / construction cost Rs. 1,000/- Loan up to Rs.1 lakh - Rs. 500/ - of loan amount On actual basis One guarantor Rs. 100/ - per guarantor
    For others -11.90% p.a. Above Rs.1 lakh - 0.50% of loan amount
    2 Loan for Idol Makers
    Loan for Idol Makers / Ganpati Murtikar 10 % p.a. NIL Rs. 1,000/- NIL (1) On actual basis + CERSAI charges One guarantor Rs.100/ - per guarantor
    (2) For hypothecation : Rs.300/- per instrument
    (3) For mortgage : Rs. 500/- per property up to 4 properties and Rs. 100/- for each property thereafter
    3 Kalyan Gramin Gruh Nirman
    Max. Rs.15.00 lakhs for purchase of flat 0.40% of loan amount (Minimum Rs.1000/-) . 9.00 % p.a. 10 % Rs. 1,000/- On actual basis One guarantor Rs.100/ - per guarantor 15 years
    Rs.25.00 lakhs for construction of house / bunglow
    4 Kalyan Gramin Udyog Yojana
    Max. loan amt. Rs.15.00 lakhs 0.40% of loan amount (Minimum Rs.1000/-) 9.00% 10% Rs.1000/- (1) On actual basis One guarantor Rs.100/ - per guarantor 10 years
    5 Kalyan Gramin Suvidha Yojana
    Max. loan amt. Rs.10.00 lakhs 0.40% of loan amount (Minimum Rs.1000/-) 9.00% 20% Rs. 1,000/- (1) On actual basis One guarantor Rs.100/ - per guarantor 10 Years
    6 Covid 19 Emergency Loan For Salary Earners
    Covid 19 Emergency Loan For Salary Earners In case of Housing / Morgtage loan - 8.50 % p.a. In case of Housing / Morgtage loan - Margin should be 10% Rs. 1,000/- NIL (1) On actual basis + CERSAI charges One guarantor Rs.100/ - per guarantor
    In case of Personal loan - 8.50 % p.a. In case of Personal loan - NIL (2) For hypothecation : Rs.300/- per instrument
    (3) For mortgage : Rs. 500/- per property up to 4 properties and Rs. 100/- for each property thereafter
  • Commercial Loan

    SR. NO PRODUCT NAME ROI MARGIN SHARE LINKAGE PROCESSING FEES (EXCLUDING GST) DOCUMENTATION CHARGES GUARANTOR/S NOMINAL MEMBERSHIP FEES
    1 Cash Credit / Overdraft Facility
    CC / CDOD Facility Based on credit risk rating (A) For Cash Credit Facility : 2.50 % Rs. 25 lakh whichever is less As per size of advance but not more than 1% of exposure (1) Stamp duty on documents to be executed: ₹ 100/- per document (as per prevailing stamp duty act, subject to change as per govt. Notification).
    (2) Stamp duty on hypothecation deed: 0.1% of the loan amount up to ₹ 5 lakh & otherwise 0.2% of loan amount.
    (3) Stamp duty on mortgage document: 0.1% of the loan limit if limit is up to ₹ 5 lakh, otherwise, 0.2% of loan limit.
    (4) Mortgage charge – as applicable.
    (5) Professional fees / charges of advocate for search report and title clearance report- on actual basis.
    Two guarantor Rs. 100/ - per guarantor
    30 % of stock and 40 % of receivables, supported by collateral security in the form of property or LIC Policy / Ntional Security Certificate etc. as per bank's policy.
    (B) For Overdraft Facility :
    40% to 50% on value of property
    2 Term Loan (Mortgage & Hypothecation)
    Term Loan Based on credit risk rating Minimum 20% of agreement value or market value of property whichever is less 2.50 % Rs. 25 lakh whichever is less As per size of advance but not more than 1% of exposure (1) Stamp duty on documents to be executed: ₹ 100/- per document (as per prevailing stamp duty act, subject to change as per govt. Notification).
    (2) Stamp duty on hypothecation deed: 0.1% of the loan amount up to ₹ 5 lakh & otherwise 0.2% of loan amount.
    (3) Stamp duty on mortgage document: 0.1% of the loan limit if limit is up to ₹ 5 lakh, otherwise, 0.2% of loan limit.
    (4) Mortgage charge – as applicable.
    (5) Professional fees / charges of advocate for search report and title clearance report- on actual basis.
    Two guarantor Rs. 100/ - per guarantor
    25 % of cost of assets to be acquired or maximum up to 50 % of property
    3 Lease Rent Discounting Loan
    Lease Rent Discounting Loan 9.00 % to 11.50 % p.a. 5% to 10% on rent receivable (excluding tax & TDS) Rs. 1,000/- 0.50 % of loan amount (Minimum Rs. 1 lakh, Maximum Rs. 3 lakh) (1) On actual basis + CERSAI charges One guarantor Rs. 100/ - per guarantor
    (2) For hypothecation : Rs.300/- per instrument
    (3) For mortgage : Rs. 500/- per property up to 4 properties and Rs. 100/- for each property thereafter
    4 Commercial Real Eastate Loan
    Lease Rent Discounting Loan 9.00 % to 11.50 % p.a. 50% Rs. 1,000/- 1% of sanctioned limit (1) On actual basis + CERSAI charges Two guarantor Rs. 100/ - per guarantor
    (2) For hypothecation : Rs.300/- per instrument
    (3) For mortgage : Rs. 500/- per property up to 4 properties and Rs. 100/- for each property thereafter
    Note : (1) If prepaid from own sources, 1.00% of the prepaid amount in loan account.
    (2) Where credit facilities are shifted to or are taken over by another Bank, 2% on sanctioned limit in case of Cash Credit / Overdraft facility
    5 SME Loan
    SME Loan Based on credit risk rating Minimum 20% of agreement value or market value of property whichever is less 2.50 % Rs. 25 lakh whichever is less As per size of advance but not more than 1% of exposure (1) Stamp duty on documents to be executed: ₹ 100/- per document (as per prevailing stamp duty act, subject to change as per govt. Notification).
    (2) Stamp duty on hypothecation deed: 0.1% of the loan amount up to ₹ 5 lakh & otherwise 0.2% of loan amount.
    (3) Stamp duty on mortgage document: 0.1% of the loan limit if limit is up to ₹ 5 lakh, otherwise, 0.2% of loan limit.
    (4) Mortgage charge: as applicable.
    (5) Professional fees / charges of advocate for search report and title clearance report- on actual basis.
    Two guarantor Rs. 100/ - per guarantor
    Maximum up to 50 % of property
  • Deposits

    Particulars Revision in charges w.e.f. 01.01.2022
    (Charges mentioned below are excluding GST)
    A Ledger Folio Charges :
    I Current Account - (If Average balance is Below Rs. 5,00,000/-) ₹ 100/- per Ledger Folio or fraction thereof per quarter (40 entries constitute one L.F.) Minimum ₹ 100/-
    II Cash Credit Account (if Annual utilization of limit is below 85%)
    B Service Charges
    (1) Savings Account : No Charges (W.E.F. 01.08.2022)
    (2) Current Account : ₹ 100/- Half yearly (W.E.F. 01.08.2022)
    C Duplicate Passbook ₹ 100/- per ledger page (40 entries)
    D Account Statement :
    I Account Statement ₹ 100/- per L.F. of previous entries (One L.F. contains 40 entries)
    E-statement is free for registered customers
    E Stop payment instructions / withdrawal thereof/ Cancellation of ECS:
    I For all type of accounts ₹ 150/- per cheque (subject to maximum ₹ 1,000/-)
    F Cheque/ECS Return Charges (Inward/Outward/Counter Return Charges):
    I Up to 5.00 lakh ₹ 250/- per instrument
    II Above Rs. 5.00 lakh ₹ 400/- per instrument
    Note: No charges should be levied if stop payment cheque is returned
    G Closing account/s within one year from account/s opening
    I Savings Account ₹ 600/-
    II Current Account ₹ 1000/-
    Exempts if Bank discontinues relationship / death of account holder
    H Chequebook facility:
    1) I Savings Account 30 cheque leaves free in a calendar year
    II ₹ 3/- per cheque thereafter
    II No charges for accounts of Co-operative Societies
    2) I Current Account: ₹ 3/- per cheque
    I Changes in operational instructions / addition/ deletion / substitution of names:
    I Savings Account Free
    II Current Account ₹ 100/- per occasion
  • Advances

    Particulars Revision in charges w.e.f. 01.01.2022
    (Charges mentioned below are excluding GST)
    A Processing fees - applicable to Schematic lending products :
    (1) Personal Loan - Kalyan Suvidha
    I Term loan (i) Up to ₹ 1 lakh : ₹ 500/ - of loan amount
    Above ₹ 1 lakh - 0.50% of loan amount
    II Overdraft facility Up to ₹ 1 lakh - ₹ 500/ - of loan amount
    Above ₹ 1 lakh - 0.50% of loan amount
    (2) Housing Loan - Kalyan Vastu ------------NIL------------
    (3) Auto Finance - Kalyan Vahan ------------NIL------------
    (4) 1. For New Vehicles For new vehicle - NIL on basic cost or 10 % of on road price- Rs. 1,000/- At actual basis No Guarantor. (Spouse on Best Effort Basis) Rs.100/- up to Rs.50.00 lakh, for above Rs.50.00 lakh Regular Membership 7 years for New Car & 4 years for Used car
    (5) Mortgage Loan
    I Loan Against Property (Kalyan Vastu Vikas)
    Term Loan ------------NIL------------
    Overdraft ------------NIL------------
    II Property Purchase Loan - Kalyan Sankalp Siddhi
    (6) Professional Loan for Doctors up to ₹ 500.00 Lakh - Kalyan Sushrut Yojana
    I For loan up to ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable) ------------NIL------------
    II For loan above ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable) & up to ₹ 300 lakh 0.40% of sanction amount (Maximum - ₹ 1 lakh)
    III For loan above ₹ 300 lakh & up to ₹ 500 lakh 0.25% of sanction amount (Maximum - ₹ 1 lakh)
    (7) Travel Loan - Kalyan Paryatan ------------NIL------------
    (8) Loan Against Term Deposits
    I Term Loan ------------NIL------------
    II Overdraft ------------NIL------------
    (9) Loan Against Paper Securities
    I Term Loan Up to ₹1 lakh : ₹500/-
    Above ₹ 1 lakh: 0.50 % of loan amount
    II Overdraft Up to ₹ 1 lakh: ₹ 500/-
    Above ₹ 1 lakh: 0.50 % of loan amount
    (10) Gold Loan
    I In case of Bullet Repayment (Only Interest payment per month) Up to ₹ 1 lakh: ₹ 500/-
    Above ₹ 1 lakh: 0.50 % of loan amount
    II In case of Regular Repayment (Principle + Interest payment per month) Up to ₹ 1 lakh: ₹ 500/-
    Above ₹ 1 lakh: 0.50 % of loan amount
    (11) Top-up Loans
    I Housing Loan (Kalyan Vastu) ------------NIL------------
    II Loan Against Property (Kalyan Vastu Vikas)
    III New Property Purchase Loan (Kalyan Sankalp Siddhi)
    (12) Vishesh Vaiyaktik Karja (SPLLN)
    I Term Loan Up to ₹ 1 lakh: ₹ 500/-
    Above ₹ 1 lakh: 0.50 % of loan amount
    (13) Kalyan Gramin Scheme (KGGN, KGSY, KGUY)
    I Term Loan ------------NIL------------
    (14) Rent Discounting Loan
    I Term Loan 0.50 % of sanction amount (Min. ₹ 1.00 lakh & Max ₹ 3.00 Lakh)
    (15) Ganpati Murtikar / Idol Maker
    I Term Loan ------------NIL------------
    B Processing fees - applicable to credit proposals above ₹ 37.00 Lakh or 0.20% of Tire-I Capital (As applicable) other than Schematic Lending's :
    (1) New/ Fresh Limits : Funded Non-funded
    I Upto ₹ 100 lakh 1.00% 0.50%
    II Above ₹ 100 lakh upto ₹ 300 lakh 0.75% 0.35%
    Minimum ₹ 1 lakh Minimum ₹ 0.50 lakh
    Maximum ₹ 1.50 lakh Maximum ₹ 0.75 lakh
    III Above ₹ 300 lakh upto ₹ 500 lakh 0.50% maximum ₹ 2 lakh 0.25% maximum ₹ 1 lakh
    IV Above ₹ 500 lakh 0.40% maximum ₹ 3 lakh 0.20% maximum ₹ 1.50 lakh
    (2) Renewal of Limits : Funded Non-funded
    I Upto ₹ 100 lakh 0.25% 0.10%
    II Above ₹ 100 lakh upto ₹ 300 lakh 0.02% 0.07%
    Minimum ₹ 0.25 lakh Minimum ₹ 0.10 lakh
    Maximum ₹ 0.45 lakh Maximum ₹ 0.15 lakh
    III Above ₹ 300 lakh upto ₹ 500 lakh 0.15% maximum ₹ 0.60 lakh 0.05% maximum ₹ 0.20 lakh
    IV Above ₹ 500 lakh 0.12% maximum ₹ 1 lakh 0.02% maximum ₹ 0.25 lakh
    C Periodic Inspection of units in case of working capital limits against stock / receivables :
    I For limits upto ₹ 5 Lakh ₹ 500/- per visit
    II Above ₹ 5 Lakh and upto ₹ 15 Lakh ₹ 1,000/- per visit
    III Above ₹ 15 Lakh and upto ₹ 50 Lakh ₹ 1,500/- per visit
    IV Above ₹ 50 Lakh ₹ 2,000/- per visit
    (+) Add : Vehicle charges if any, on actual basis
    Note : It should be recovered at the time of renewal along with processing charges.
    D Notice charges :
    I Overdue loan notice / reminder charges ₹ 100/- per Notice
    II Final notice ₹ 200/- plus postage or courier charges on actual basis
    Note: In case of NPA A/cs Charges to be collected at the time of recovery
    E Documentation charges :
    (1) Mortgage Charges
    A Creation/Extension of Equitable/ Registered Mortgage
    Particulars Registered /Equitable Mortgage
    I Credit Limit upto Rs. 25.00 lakh ₹ 2,500/-
    II Credit limit above Rs. 25.00 Lakh up to Rs. 50.00 lakh ₹ 5,000/-
    III Credit Limit above Rs. 50.00 lakh ₹ 12,500/-
    B Release of mortgage :
    I Registered Mortgage Release - ₹1000/-
    II Equitable Mortgage Release - No charges during 1st month of closure of a/c. however, if title deeds are not collected within a month of closure of a/c, charges may be levied @ ₹ 500/- p.m. for per property document (On closure of a/c Branch should send letter to the borrower to collect documents within 1 month.)
    Other charges i.e. franking, stamp duty & NOI are at actual basis
    Note: Relaxation power delegated to Executive Committee (Credit)
    (2) CERSAI Registration Charges :
    A Hypothecation of stock, book debts, machinery, vehicles, intangible assets
    I For loan up to ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable) ------------NIL------------
    II For loan above ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable) ₹ 1000/- per instrument
    B Mortgage of immovable Property
    I For loan up to ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable) ------------NIL------------
    II For loan above ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable) ₹ 1000/- per property
    C Satisfaction of hypothecation / mortgage charge ------------NIL------------
    (3) NESL Charges for Existing FTP method of upload
    A For Company, LLP First Year Fee Per Loan/Debt record Annual Renewal Fee per Loan/Debt record (from 2nd year onwards)
    I 1ST Loan / Debt Record ₹ 300/- ₹ 250/- per annum
    II 2nd to 10th Loan/Debt Record ₹ 100/- ₹ 100/- per annum
    III 11th Loan/Debt record onwards ₹ 50/- ₹ 50/- per annum
    B Other type of business - Partnership Firm / Proprietorship / Sahakar / Samiti / HUF / Trust / AOP / Club/ Society First Year Fee Per Loan/Debt record Annual Renewal Fee per Loan/Debt record (from 2nd year onwards)
    I 1ST Loan / Debt Record ₹ 150/- ₹ 125/- per annum
    II 2nd Loan/Debt record onwards ₹ 50/- ₹ 50/- per annum
    C For Individuals (as a one-time charge)
    I Secured Loan ₹ 50/- per loan account as a One-time Charge
    II Unsecured Loan ₹ 25/- per loan account as a One-time Charge
    F Commitment Charges (For under-utilization of Cash Credit limit) :
    (1) If the average utilization of a working capital limit is less than 70%, commitment charges shall be levied @ 1% p.a. of the under-utilized portion on quarterly basis.
    G Gold Loans :
    (1) Safe custody charges for gold ornaments not collected after closure of loan a/c are ₹ 500/- p.m. or part thereof after 7 days from the date of closure of loan a/c
    H NSC / Govt. securities loan :
    (1) Service charges for noting charge on certificates and or releasing charges are ₹ 500/-plus out of pocket expenses on actual basis per account.
    (Should be done exclusively by permanent employee of Bank)
    I Prepayment of credit facilities: If credit facilities are prepaid before due date by borrowers (other than individual borrower/s carrying floating interest rate)
    (1) I Own Source
    For loan up to ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable) ------------NIL------------
    For loan above ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable) 1.00 % on Sanctioned limit in case of cash credit / overdraft facility & on Prepaid amount in case of Term Loan.
    II Taken over by Another Bank
    For loan up to ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable) ------------NIL------------
    For loan above ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable) 2.00 % on Sanctioned limit in case of cash credit / overdraft facility & on Prepaid amount in case of Term Loan
    J Change in other sanction terms such as extension of moratorium/ repayment, change in security/guarantor etc. :
    (1) 0.10% of the limit subject to Min. ₹ 1000/- & Max. ₹ 25,000/-
    K Commission on Bank Guarantee :
    (1) I Fully Secured by 100% Cash Margin (Term Deposit) up to 1.00% p.a. (Min Rs. 500/- Per Bank Guarantee)
    II Other cases 2.50% p.a.
    Note : In respect of BGs issued against 100% cash margin / FDs no separate typing / handling charges to be recovered. In respect of all other BGs, however, charges of ₹ 500/- per BG instrument should by recovered separately when typing job is carried out by Bank / Branch.
    L Opening of Letter of Credit :
    (1) I Opened through the other Banks :
    Charges levied by other Bank to be shared on 50 : 50 basis
    (2) Opened by our Bank :
    I Fully secured by term deposit 1% p.a. on LC Amount
    II Other cases 2% p.a. on LC Amount
    Out-of-pocket expenses on postage / telegram / telex / fax / cab etc., to be recovered separately.
    M Amendment Charges :
    (1) Amendment Charges ₹ 500/-
    Note : If the amendment is in respect of the amount or period of L/C appropriate additional charge on the amount so increased or the extension of usuance period shall also be recovered.
    N Solvency Certificate :
    (1) Any purpose (except Education purpose) ₹ 10/- per thousand Min ₹ 1000/- & Maximum ₹ 10000/-
    (2) Education purpose ₹ 200/- per copy minimum ₹ 1000/- irrespective of amount of certificate.
    O Issue of Status / Confidential Report :
    (1) Issue of Status / Confidential Report ------------NIL------------
    Note: All System generated Charges will be applied to accounts on Quarterly basis
  • Instruments & Remittances

    Particulars Revision in charges w.e.f. 01.01.2022
    (Charges mentioned below are excluding GST)
    A Issue of Pay-order / Demand Draft / Cheque on banks
    1 Up to and including ₹ 10,000/- ₹ 30/-
    2 ₹ 10,001 to ₹ 1,00,000/- ₹ 2/- per ₹ 1,000/- or part thereof, minimum ₹ 30/-
    3 Above ₹ 1,00,000/- ₹ 350/-
    B Issue of Duplicate Demand Draft / Pay-order/ Term Deposit Receipt / Cheque on banks ₹ 100/-
    C Cancellation of Demand Draft / Pay-order / Cheque on banks ₹ 100/-
    D Revalidation of Demand Draft / Pay-order / Cheque on banks ₹ 50/- (Revalidation is permitted only 2 times)
    E Closure of Fixed/Savings/Current A/cs & Remittance of balance by Pay order / DD NIL
    F Remittance by Electronic Device
    1 Inward RTGS / NEFT / IMPS / Internet Banking NIL
    2 Outward RTGS
    For ₹ 2 lakh to less than ₹ 5 lakh ₹ 25/- per transaction
    For ₹ 5 lakh and above ₹ 50/- per transaction
    3 Outward NEFT / IMPS / Internet Banking
    Upto ₹ 10,000/- ₹ 2.50 per transaction
    Above ₹ 10,000 upto ₹ 1 lakh ₹ 5/- per transaction
    Above ₹ 1 lakh upto ₹ 2 lakh ₹ 15/- per transaction
    Above ₹ 2 lakh ₹ 25/- per transaction
    G Collection of Bills/Cheques
    1 Up to and including ₹ 5,000/- ₹ 25/- (applicable only in case of savings account)
    2 Above ₹ 5,000/- and up to and including ₹ 10,000/- ₹ 50/-
    3 Above ₹ 10,000 and up to & including ₹ 1,00,000/- ₹ 100/- per instrument
    4 Above ₹ 1,00,000/- ₹ 150/- per instrument
    5 Purchase of cheques presented in Mumbai Clearing ₹ 2/- for every ₹ 1,000/- or part thereof
    6 Immediate withdrawal against salary cheque ₹ 25/-per instrument.
    7 Handling charges for cheques/bills returned unpaid 50% of above charges Minimum ₹ 100/- (including postage/courier ₹ 30/-)
    H Outstation Collection of cheque by Electronic Device (Speed Clearing)
    1 Up to ₹ 1,00,000/- ₹ 75/- per instrument
    2 Above ₹ 1,00,000/- ₹ 150/- per instrument
    I Online E Tax Charges
    1 Tax Amount upto ₹ 1,000/- ₹ 40/- per transaction
    2 Tax Amount above ₹ 1,001/- to ₹ 50,000/- ₹ 75/- per transaction
    3 Tax Amount above ₹ 50,001/- ₹ 150/- per transaction
    J Foreign Inward/ Outward Remittance Charges
    1 Upto ₹ 2 lakh ₹ 500/- per transaction
    2 Above ₹ 2 lakh to ₹ 5 lakh ₹ 750/- per transaction
    3 Above ₹ 5 lakh to ₹ 10 lakh ₹ 1000/- per transaction
    4 Above ₹ 10 lakh ₹ 1500/- per transaction
  • Safe Deposit Lockers

    Particulars Revision in charges w.e.f. 01.01.2022
    (Charges mentioned below are excluding GST)
    A One time Locker registration Charges:
    1 For Small lockers ₹ 1000/-
    2 For Medium lockers ₹ 1,500/-
    3 Large lockers ₹ 2,000/-
    B
    Locker Rent :
    1 Godrej / Steelage A type plus ₹ 1,600/- p.a.
    (Guardwell A Type + Methodex A Type)
    2 Godrej / Steelage B type ₹ 1,800/- p.a.
    3 Godrej / Steelage C type plus (2A Type Methodex) ₹ 2,700/- p.a.
    4 Godrej / Steelage D type ₹ 3,000/- p.a.
    5 Godrej / Steelage E type ₹ 3,200/- p.a.
    6 Godrej / Steelage F type plus (4A & 4A1 Methodex) ₹ 3300/- p.a.
    7 Godrej H1 & Guardwel 2B 1 type ₹ 3,900/- p.a.
    8 Godrej / Steelage 2DG type ₹ 4,300/- p.a.
    9 Godrej / Steelage 4BH type ₹ 5,500/- p.a.
    10 Godrej H & Guardwel 4B ₹ 7,000/- p.a.
    Note : Locker rent recovered yearly and year shall be considedred Financial year
    C Penalty for delay in payment of rent / renewal on expiry of hiring period
    1 For Type A to D ₹ 100/- per month or part thereof.
    2 For Type E upwards. ₹ 200/- per month or part thereof
    D Breaking open of the locker
    When the hirer loses the key and requests for breaking open, suitable service charges should be recovered, which should cover charges to be paid to manufacturer / vendor for breaking open lockers / repairing / replacing it Plus handling charges Suitable service charges + Vendors Charge + ₹ 1000/-
  • Shares

    Particulars Revision in charges w.e.f. 01.01.2022
    (Charges mentioned below are excluding GST)
    A Share Application Form ₹ 50/-
    B Entrance Fees for regular member ₹ 100/- (As per Bye Laws)
    C Entrance fees for nominal member ₹ 100/- (As per Bye Laws)
    (For borrower / Surety in loan against Gold/ Govt. Securities/ LIC policies / Consumer durables)
    D Issue of Duplicate I - Card ₹ 100/-
    E Cancellation of membership
    Up to ₹ 10,000/- shares ₹ 1/- per share
    From ₹ 10,001/- Shares ₹ 2/- per share maximum ₹ 5000/-
    Write off/ Set Off/Settlement ₹ 1000/-
    Death Claim ------------NIL------------ (Exempted)
    F Change of Nomination* ₹ 25/- per instance
    G Name addition (Individual / Firm)* ₹ 50/-
    H Issue of Duplicate Share certificate* ₹ 100/-
    I Transfer of shares: * ₹ 100/- (As per Bye Laws)
    J Transmission of shares* ------------NIL------------
    *In deceased cases where Registered Nominee should be member of the Bank
    K Copy of Bye-Laws ₹ 500/- only to members(Free on website)
  • Miscellaneous

    Particulars Revision in charges w.e.f. 01.01.2022
    (Charges mentioned below are excluding GST)
    A Enquiries relating to old entries
    (i) Upto one month NIL
    (ii) Above one month and upto one year ₹ 50/- per entry.
    (iii) Above one year and upto two years ₹ 100/- per entry.
    (iv) Above two years and upto three years ₹ 150/- per entry.
    (v) Above three years ₹ 200/- per entry.
    B Copy of the old record in the form of Voucher document, etc.:[ As per NI Act ]
    (i) Within a year ₹ 100/- (per voucher / document)
    (ii) After one year ₹ 200/- (per voucher / document)
    C Certificate of all types (Excluding Balance certificate / TDS certificate / Income Tax purpose certificate):
    (i) For General peoples ₹100/-
    (ii) For Senior Citizen ------------NIL------------
    D Standing Instructions
    (i) Transaction involving transfer to another account (other than R/D installments, FD interest and loan instalment) within same branch or to the account in another branch.
    Free to self A/c.
    In other cases free up to ₹10000/- ;
    otherwise ₹ 25/- per transaction.
    (ii) S.I. failure on a/c of insufficient funds. ₹ 50/- per instance
    E ECS / NACH Mandate & Signature Verification ₹ 100/- per instance
    F Photo attestation (as per bank record) ₹ 100/- per instance
    G Address confirmation ₹100/- per request.
    H Cash Handling Charges (For SB / CD / CC / CDOD / Loan / TDR Accounts) w.e.f 1st December 2022
    (i) Depositing 200 pieces of notes (Irrespective of denominations) per day NO CHARGES
    (ii) Charges for depositing per bundle of 100 pieces of notes or part thereof for denomination ₹100 and below beyond 200 pieces per day ₹40/- for denomination of ₹100 and below
    (iii) Charges for depositing per bundle of 100 pieces of notes or part thereof for denomination ₹200 and above beyond 200 pieces per day ₹20/- for denomination of ₹200 & above
    (iv) Charges for depositing denomination of ₹200 and above who are maintaining average balance of ₹5 lakh and above No charges
    (v) Charges for depositing Coins - per packet of 100 coins or part thereof, if coins exceed 10 coins per day ₹30/-
    Cash Handling Charges are exempted if average balance for preceding quarter in current account in Rs. 5.00 lakh and above.
    I Deposit of Soiled or Imperfect Notes
    (i) Up to 20 pieces or ₹ 5000/- per day ------------NIL------------
    (ii) Above 20 pieces or ₹ 5000/- per day ₹ 2/- per piece Up to ₹ 50/- notes
    ₹ 5/- per piece Above ₹ 50/- notes
    J SMS Charges ₹ 40/- p.a. (to be recovered on quarterly basis.)
    K RuPay Debit cum - ATM Card
    (i) For Classic Card ₹ 150/- p.a. (W.e.f. 01.08.2022) after initial year of issuance
    (ii) For Platinum Card ₹ 150/- p.a. (W.e.f. 01.08.2022) after initial year of issuance
    Charges on ATM transactions
    (iii)Own Bank ATM (All locations)
    Up to 5 transactions per month ------------NIL------------
    Above 5 transactions per month (Financial/Non-financial) ₹ 21/- per transaction
    (iv)Other Bank ATM
    Metro Location up to 3 transactions per month (Financial/Non-financial) ------------NIL------------
    Metro Location above 3 transactions per month (Financial/Non-financial) ₹ 21/- per transaction
    Non-Metro Location up to 5 transactions per month (Financial/Non-financial) ------------NIL------------
    Non-Metro Location above 5 transactions per month (Financial/Non-financial) ₹ 21/- per transaction
    (v) Transaction decline due to ‘insufficient balance’ ₹ 20/- plus GST per declined transaction
    (vi) Card replacement fee ₹ 100/- per instance
    (vii) Green PIN ------------NIL------------
    (viii) Regenerating PIN mailer fee ₹ 50/- per instance
    (ix) Hot listing instance in case of loss of ATM card ------------NIL------------