Service Charges
Rates
| No | Service Charges Comparison Service Wise | TTCB New Service Charge (Effect From 15/09/2025) |
|---|---|---|
| 1 | Cheque Book Charges | |
| Savings | 45 Leaves free for one year. Additional cheque book will be charge Rs. 3/- per leaves | |
| Current | Rs.3/- per leaf | |
| Overdraft Accounts | Rs.3/- per leaf | |
| 2 | Inward Cheque Return / ECS Charges | |
| Any Amount (Per Instrument) | for Except fund Charges Rs.100/- per instrument | |
| Above Rs. 1 to Rs. 2 lac (Per Instrument) | Rs. 250/- for all inward cheque/ECS Return | |
| Above Rs. 2 lac Up to Rs.5 lacs (Per Instrument) | Rs. 1.50/thousand for all inward cheque & ECS Return | |
| Above Rs.5 lac to 10 lac (Per Instrument) | Rs. 1000/- all inward/ECS returns | |
| Above Rs.10 lac (Per Instrument) | Rs. 1500/- all inward/ECS returns | |
| 3 | Outward Cheque Return/ ECS Charges | |
| (Per instrument) | ||
| Up to Rs. 10,000/- (Per instrument) | up to Rs. 10,000/- – Rs. 100/- for all type of account | |
| Rs. 10,001/- to Above (Per instrument) | Rs. 10,001/- to Above (Per instrument) – Rs, 200/- for all type of Account | |
| (Loan Recovery cheque Return) | Rs.250/- | |
| 4 | Pass Book Printing/Statement Charges / Incidental Charges | |
| SB Pass Book Printing | free | |
| Advances & Current A/c Statement Charges per page (per page containing 40 entries) | Min.Rs.150/-Up to 200 entries or Rs. 0.75 per entry (Half Yearly) | |
| 5 | Minimum Balance Charges | |
| SB A/c :- Minimum Bal. Rs.1000/- | No Charge | |
| Current A/c :- Minimum Bal. Rs. 5000/- | Rs. 150/- per quarter | |
| 6 | Duplicate Passbook/Statement | |
| SB A/c | Rs.50/- | |
| CC /Current A/c Statement Charges per page (per page containing 40 entries) | Rs.10/- (Per Page) | |
| 7 | Outward Bills/Cheques for Collection | |
| Up to 10000/- (per instrument) | Rs.100/- | |
| 10001 to 100000 (per instrument) | Rs.200/- | |
| above 100000/- (per instrument) | Rs.500/- | |
| 8 | Inward Bills/Cheques for Collection | |
| Up to 50000/- (per Rs.1000) | Rs.2/- | |
| 50001 to 100000 (per Rs.1000) | Rs.2.50/- | |
| above 100000/- (per Rs.1000) | Rs.3.00/- | |
| 9 | Pay Order Charges (per Instrument) | |
| Up to 25000/- | Rs.50/- | |
| 25001 to 100000 | Rs.50/- | |
| above 100000 and Above | Rs.100/- | |
| Duplicate / Revalidation / Cancellation | Rs. 50/- | |
| Stop Payment | Rs. 50/- | |
| 10 | Inward RTGS/NEFT | Free |
| Outward RTGS | 2 lac to 5 lac: Rs.25/-, Above 5 lac: Rs.50/- | |
| Outward NEFT | Up to 10000/-: Rs.2.5/-, 10001/- to 1 lac: Rs.5/-, above 1 lac to 2 lacs: Rs.15/-, above 2 lacs : Rs.25/- | |
| E-Tax payment | Free | |
| RTGS/NEFT charge through Mobile Banking channel | Free | |
| 11 | Demand Drafts | Free |
| Duplicate / Revalidation / Cancellation | Rs. 100/- | |
| Stop payment | Rs. 25/- | |
| 12 | Inspection Charges (Monthly / Quarterly / Half-Yearly / Yearly) | |
| All Advances accounts except FDODs / Adv against Govt. Security | Up to Rs. 5 lacs – Rs. 300/- Above 5 to 10 lac –Rs. 400/- above 10 lacs – Rs. 500/- for term loan flat – Rs. 250/- | |
| 13 | Documentary Bills (Demand/Usance) Purchased/discounted/collection | |
| Up to Rs.1000/- | Rs.15/- | |
| Rs. 1001/- Up to Rs. 5000/- | Rs.30/- | |
| Rs. 5001/- & Up to Rs. 10000/- | Rs.50/- | |
| Rs. 10001/- Up to Rs. 1.00 lac | Rs.5/- per thousand | |
| Above Rs. 1.00 lac | Rs.4.50/- per thousand, min Rs.450/- | |
| In case of Purchase/Discount of Bills | Charges as above plus Interest for the intervening period Up to due date. | |
| 14 | Bank Guarantee / LC Charges | Equal to charges of Agency Bank. |
| 15 | Miscellaneous Charges | |
| Issue of Solvency Certificate | Rs. 0.20% of Solvency amount. And/or Minimum Rs. 500, Max Rs. 20000/- | |
| Photo/Signature Verification | Rs.50/- | |
| Noting of Stop Payment Instruction | Rs.50/- | |
| Account Closure (before 1 year) | Savings A/c.- Rs.200/- , Current A/C – Rs. 500/- | |
| Account Closure (After 1 year) | Savings & Current A/c. – Rs. 100/- | |
| NACH / ECS Mandate verification | Rs.50/- | |
| Standing Instruction | Free | |
| Issue of Balance Certificate | Free | |
| Issue of No-due Certificate | Free | |
| Insufficient Fund for SI | Rs.25/- per instance | |
| Noting of SI | Free | |
| SMS Charges ( Saving/Current/OD/CC) | 15/-+ GST per quarter | |
| 16 | Loan/Advances Processing Charges | |
| Personal Loan (up to Rs.2.00 lac) | Rs. 500/- | |
| Loan Amount up to Rs. 50000/- | No Charges ( falls under PSL category ) | |
| Housing Loan | Amt. Up to Rs. 50 lac – 0.15% of loan amount | |
| Amt. above Rs. 50 lac – 0.20% of loan amount | ||
| Micro Finance Loan | ||
| up to 25,000/- | 1% of loan Amount | |
| Rs 25,000/- to Rs. 50,000/- | ||
| Ad-hoc limit | 1% of ad-hoc amount | |
| Working Capital = FB + NFB | ||
| up to Rs 5.00 lacs | 1000/- | |
| Rs. 5.01 lacs to Rs. 10.00 lacs | 0.10% of loan amount | |
| Rs. 10.01 lacs to Rs. 25.00 lacs | 0.15%of loan amount | |
| Rs. 25.01 lacs to Rs. 100.00 lacs | 0.20% of loan amount | |
| Rs 100.01 lacs to Rs 500.00 lacs | 0.25% of loan amount | |
| Above Rs. 500.01 lacs | 0.30% of loan amount | |
| Renewal : 50% of above Processing Charge will be levied while renewal | ||
| Term Loan (Vehicle / Solar / Machinery / Property / Education Loan) | ||
| Loan Processing Charges:- – up to Rs. 5 lakh Loan | Rs.1000/- +GST fixed | |
| – Above 5 to Rs. 15 lakh Loan | 0.20% of the Loan Amount | |
| – Above Rs. 15 lakh Loan | 0.30% of the Loan Amount | |
| Subject to minimum Rs. 2000/- plus GST | ||
| 17 | Other Charges on Term Loans (Specified above) | |
| Form Charge | Rs.50+GST – up to Rs. 5.00 lakh Loan Amount | |
| Rs.100+GST – Loan Amt. 5.00 to 25.00 Lakh | ||
| Rs.150+GST – Above Rs. 25.00 lakh loan Amt | ||
| CIBIL Charge | Rs.100 + GST (For Individual) | |
| Rs.800 + GST (For Commercial) | ||
| Inspection Charge | Rs.150/- GST (Yearly) | |
| applicable only vehicle loan | ||
| Share Application & Entrance fees | Rs.500 + 10 = 510/- | |
| Fix Deposit | 1.5% of Loan Amount (Except New Car) for all loans | |
| Franking on Loan Documents | Rs.900/- without Guarantor (Maximum 1200/- (300*4)) | |
| 0.25% of loan amount (Vehicle / Solar / Machinery) | ||
| Foreclosure Charge | Within 12 months – 2% of loan amount | |
| Above 12 to 24 months – 1.5% of loan amount | ||
| Above 24 to 36 months – 1% of loan amount | ||
| Above 36 months – No Charge | ||
| Documents late submission charges (Bill, Receipt, Insurance Policy) | 500/- per month after grace period. 30 days. | |
| Saving Account | Compulsory (Maintain balance of 1% of loan amount and upper limit of Rs 1.00 lakh whichever is lower for one year). | |
| 18 | ATM | ATM first year Free ATM Annual Fees Rs. 200/- ATM Duplicate pin Rs.100/- ATM Trx. Fees Rs. 20/- (TTC Bank and first 5 Trx. per month free) Transaction Declined due to Fund : Rs. 20/- (Per Decline Transaction) Financial Transaction : Rs. 15/- (Per Transaction) Non – Financial Transaction : Rs. 6/- (Per Transaction) |
| 19 | Cash Service Charges | |
| Current Account | Rs. 2.5 per thousand for cash deposit exceeds Rs. 50 lakh per month | |
| 20 | Commitment Charges | |
| Commitment Charges to be levied in case of non-utilisation/under utilisation of working capital limits. | -> Book Debt & Property OD:- No charge above 60 % . 1 % Charge + GST levied in case utilization below 60% -> CC Govt/ CC Share :- No charges above 40 % , 1% Charge + GST levid in case of utilization below 40% | |
| 21 | Loan/ Advance switch over Charges: | In case of CC/OD , 1%+ GST of limit sanctioned. |
| In case of Term Loan, 1%+ GST of Outstanding balance | ||