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		Duplicate Passbook	₹ 100/- per ledger page (40 entries)

C		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

D		Stop payment instructions / withdrawal thereof/ Cancellation of ECS:
	I	For all type of accounts	₹ 150/- per cheque (subject to maximum ₹ 1,000/-)

E		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

F		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

G		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

H		Changes in operational instructions / addition/ deletion / substitution of names:
	I	Savings Account	Free
	II	Current Account	₹ 100/- per occasion

Particulars				Revised w.e.f. 19.11.2023
A		Processing fees - applicable to Schematic lending products :
(1)		Personal Loan - Kalyan Suvidha
	I	Term loan				Loan up to Rs. 25000/- under priority sector - Process Fees NIL
						For other Loans @1.00% of Loan Amount - Minimum Rs. 1,000/-
	II	Overdraft facility				Loan up to Rs. 25000/- under priority sector - Process Fees NIL
						For other Loans @1.00% of Loan Amount - Minimum Rs. 1,000/-
(2)	I	Housing Loan - Kalyan Vastu					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(3)	I	Auto Finance - Kalyan Vahan					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(4)	I	Education Loan - Kalyan Saraswati					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(5)		Mortgage Loan
	I	Loan Against Property - Kalyan Vastu Vikas
		Term Loan					@1.00% of Loan Amount - Minimum Rs. 1,000/-
		Overdraft					@1.00% of Loan Amount - Minimum Rs. 1,000/-
	II	Property Purchase Loan - Kalyan Sankalp Siddhi					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(6)		Professional Loan for Doctors up to ₹ 500.00 Lakh - Kalyan Sushrut Yojana				@1.00% of Loan Amount - Minimum Rs. 1,000/-
						@1.00% of Loan Amount - Minimum Rs. 1,000/-
						@1.00% of Loan Amount - Minimum Rs. 1,000/-
(7)		Travel Loan - Kalyan Paryatan					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(8)		Loan Against Term Deposits
	I	Term Loan					------------NIL------------
	II	Overdraft					------------NIL------------
(9)		Loan Against Paper Securities
	I	Term loan				Loan up to Rs. 25000/- under priority sector - Process Fees NIL
						For other Loans @1.00% of Loan Amount - Minimum Rs. 1,000/-
	II	Overdraft				Loan up to Rs. 25000/- under priority sector - Process Fees NIL
						For other Loans @1.00% of Loan Amount - Minimum Rs. 1,000/-
(10)		Gold Loan
	I	In case of Bullet Repayment (Only Interest payment per month)				Loan up to Rs. 25000/- under priority sector - Process Fees NIL
						For other Loans @1.00% of Loan Amount - Minimum Rs. 1,000/-
	II	In case of Regular Repayment (Principle + Interest payment per month)				Loan up to Rs. 25000/- under priority sector - Process Fees NIL
						For other Loans @1.00% of Loan Amount - Minimum Rs. 1,000/-
(11)		Top-up Loans
	I	Housing Loan (Kalyan Vastu)					@1.00% of Loan Amount - Minimum Rs. 1,000/-
	II	Loan Against Property (Kalyan Vastu Vikas)					@1.00% of Loan Amount - Minimum Rs. 1,000/-
	III	New Property Purchase Loan (Kalyan Sankalp Siddhi)					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(12)		Vishesh Vaiyaktik Karja (SPLLN)
	I	Term Loan				Loan up to Rs. 25000/- under priority sector - Process Fees NIL
						For other Loans @1.00% of Loan Amount - Minimum Rs. 1,000/-
(13)		Kalyan Gramin Scheme (KGGN, KGSY, KGUY)
	I	Term Loan					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(14)		Rent Discounting Loan
	I	Term Loan					Loan up to Rs.300.00 Lakh - @1.00% of Loan Amount Loan above Rs. 300.00 Lakh up to Rs.500.00 Lakh - @0.75% of Loan Amount Loan Above Rs.500.00 Lakh - @0.50% of Loan Amount
(15)		Ganpati Murtikar / Idol Maker
	I	Term Loan				Loan up to Rs. 25000/- under priority sector - Process Fees NIL
						For other Loans @1.00% of Loan Amount - Minimum Rs. 1,000/-
(16)		Kalyan Dhanvantari
	I	Term Loan					@1.00% of Loan Amount - Minimum Rs. 1,000/-
	II	Overdraft Limit					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(17)		Personal Overdraft to Chartered Accountants
		Overdraft					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(18)		Kalyan Vahan Light Commercial Vehicle Loan
	I	Term Loan					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(19)		Kalyan Pensinoers Personal Loan
	I	Term Loan					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(20)		Kalyan Go Green - Electrical Vehicle Loan
	I	Term Loan					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(21)		Kalyan Saur Urja Loan
	I	Term Loan					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(22)		Kalyan Heavy Commercial Vehicle Loan
	I	Term Loan					@1.00% of Loan Amount - Minimum Rs. 1,000/-
(23)		Kalyan Udyog Mantra (For Purchase of Machinery)
	I	Term Loan					@1.00% of Loan Amount - Minimum Rs. 1,000/-

B		Processing fees - applicable to credit proposals other than Schematic Lending's:
(1)		New/ Fresh Limits :	Funded	Non-funded
	I	Upto ₹ 300 lakh	1.00%	0.50%
	II	Above ₹ 300 lakh upto ₹ 500 lakh	0.75%	0.35%
	III	Above ₹ 500 lakh	0.50%	0.25%
(2)		Renewal of Limits:	Funded	Non-funded
	I	Upto ₹ 300 lakh	0.25%	0.20%
	II	Above ₹ 300 lakh upto ₹ 500 lakh	0.20%	0.15%
	III	Above ₹ 500 lakh	0.15%	0.10%

C		Periodic Inspection of units in case of working capital limits against stock / receivables :
(1)	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 :
(1)	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)		Documentation Charges (For Schematic Loans)
		Loan up to Rs. 35.00 lakh	₹ 1500/- + GST
		Loan above Rs. 35.00 lakh	₹ 2500/- + GST
(2)		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	₹ 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	₹ 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 up to 2% 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	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	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 be 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

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

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/-

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	Change of Nomination*	₹ 25/- per instance

F	Name addition (Individual / Firm)*	₹ 50/-

G	Issue of Duplicate Share certificate*	₹ 100/-

H	Transfer of shares: *	₹ 100/- (As per Bye Laws)

I	Transmission of shares*	------------NIL------------
	*In deceased cases where Registered Nominee should be member of the Bank

J	Copy of Bye-Laws	₹ 500/- only to members(Free on website)

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 W.e.f. 1st Oct. 2024	₹ 0.18 /- per SMS, maximum ₹ 500 for all SB, CA, OD accounts (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------------