Service Charges
Rates
| No | Service Charges Comparison Service Wise | TTCB New Service Charge (Effect From 15/09/2025) |
|---|---|---|
| 1 | Cheque Book Charges | |
| Savings | 45 Cheque Leaves Free per Year. Additional Cheque Leaves: ₹3/- per Leaf. |
|
| Current | ₹3/- per leaf | |
| Overdraft Accounts | ₹3/- per leaf | |
| 2 | Inward Cheque Return / ECS Charges | |
| Any Amount (Per Instrument) | Insufficient Funds Charges: ₹100/- per Instrument | |
| Above ₹1 to ₹2 lakh (Per Instrument) | ₹250/- for all inward cheque/ECS Return | |
| Above ₹2 lakh Up to ₹5 lakh (Per Instrument) | ₹1.50/thousand for all inward cheque & ECS Return | |
| Above ₹5 lakh up to ₹10 lakh (Per Instrument) | ₹1,000/- all inward/ECS returns | |
| Above ₹10 lakh (Per Instrument) | ₹1,500/- all inward/ECS returns | |
| 3 | Outward Cheque Return / ECS Charges | |
| (Per instrument) | ||
| Up to ₹10,000/- (Per instrument) | up to ₹10,000/- – ₹100/- for all type of account | |
| ₹10,001/- to Above (Per instrument) | ₹10,001/- to Above (Per instrument) – ₹200/- for all type of Account | |
| (Loan Recovery cheque Return) | ₹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.₹150/-Up to 200 entries or ₹0.75 per entry (Half Yearly) | |
| 5 | Minimum Balance Charges | |
| SB A/c :- Minimum Bal. ₹1,000/- | No Charges | |
| Current A/c :- Minimum Bal. ₹5,000/- | ₹150/- per quarter | |
| 6 | Duplicate Passbook / Statement | |
| SB A/c | ₹50/- | |
| CC /Current A/c Statement Charges per page (per page containing 40 entries) | ₹10/- (Per Page) | |
| 7 | Outward Bills / Cheques for Collection | |
| Up to ₹10,000/- (per instrument) | ₹100/- | |
| ₹10,001 to ₹1,00,000 (per instrument) | ₹200/- | |
| Above ₹1,00,000 (per instrument) | ₹500/- | |
| 8 | Inward Bills / Cheques for Collection | |
| Up to ₹50,000 (per ₹1000) | ₹2/- | |
| ₹50,001 to ₹1,00,000 (per ₹1000) | ₹2.50/- | |
| Above ₹1,00,000/- (per ₹1000) | ₹3.00/- | |
| 9 | Pay Order Charges (per Instrument) | |
| Up to ₹25,000/- | ₹50/- | |
| ₹25,001 to ₹1,00,000 | ₹50/- | |
| Above ₹1,00,000 and Above | ₹100/- | |
| Duplicate / Revalidation / Cancellation | ₹50/- | |
| Stop Payment | ₹50/- | |
| 10 | Inward RTGS/NEFT | Free |
| Outward RTGS | ₹2 lakh to ₹5 lakh : ₹25/-, Above 5 lakh: ₹50/- | |
| Outward NEFT | Up to ₹10,000/-: ₹2.5/-, ₹10,001/- to ₹1 lakh: ₹5/-, Above ₹1 lakh to ₹2 lakh: ₹15/-, Above ₹2 lakh : ₹25/- |
|
| E-Tax payment | Free | |
| RTGS/NEFT charge through Mobile Banking channel | Free | |
| 11 | Demand Drafts | Free |
| Duplicate / Revalidation / Cancellation | ₹100/- | |
| Stop payment | ₹25/- | |
| 12 | Inspection Charges (Monthly / Quarterly / Half-Yearly / Yearly) | |
| All Advances accounts except FDODs / Adv against Govt. Security | Up to 5 lakh – ₹300/- Above 5 to 10 lakh – ₹400/- Above 10 lakh – ₹500/- For Term Loan (Flat) – ₹250/- |
|
| 13 | Documentary Bills (Demand/Usance) Purchased/discounted/collection | |
| Up to ₹1,000/- | ₹15/- | |
| ₹1,001/- Up to ₹5,000/- | ₹30/- | |
| ₹5,001/- & Up to ₹10,000/- | ₹50/- | |
| ₹10,001/- Up to ₹1.00 lakh | ₹5/- per thousand | |
| Above ₹1.00 lakh | ₹4.50/- per thousand, min ₹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 | ₹0.20% of Solvency amount. And/or Minimum ₹500, Max ₹20,000/- | |
| Photo/Signature Verification | ₹50/- | |
| Noting of Stop Payment Instruction | ₹50/- | |
| Account Closure (before 1 year) | Savings A/c.- ₹200/- , Current A/C – ₹500/- | |
| Account Closure (After 1 year) | Savings & Current A/c. – ₹100/- | |
| NACH / ECS Mandate verification | ₹50/- | |
| Standing Instruction | Free | |
| Issue of Balance Certificate | Free | |
| Issue of No-due Certificate | Free | |
| Insufficient Fund for SI | ₹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 ₹2.00 lakh) | ₹ 500/- | |
| Loan Amount up to ₹50,000/- | No Charges ( falls under PSL category ) | |
| Housing Loan | Amt. Up to ₹50 lakh – 0.15% of loan amount | |
| Amt. above ₹50 lakh – 0.20% of loan amount | ||
| Micro Finance Loan | ||
| Up to ₹25,000/- | 1% of loan Amount | |
| ₹25,000/- to ₹50,000/- | ||
| Ad-hoc limit | 1% of ad-hoc amount | |
| Working Capital = FB + NFB | ||
| Up to ₹5.00 lakh | ₹1,000/- | |
| ₹5.01 lakh to ₹10.00 lakh | 0.10% of loan amount | |
| ₹10.01 lakh to ₹25.00 lakh | 0.15%of loan amount | |
| ₹25.01 lakh to ₹100.00 lakh | 0.20% of loan amount | |
| ₹100.01 lakh to ₹500.00 lakh | 0.25% of loan amount | |
| Above ₹500.01 lakh | 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 ₹5 lakh Loan | ₹1,000/- +GST fixed | |
| – Above 5 to ₹15 lakh Loan | 0.20% of the Loan Amount | |
| – Above ₹15 lakh Loan | 0.30% of the Loan Amount | |
| Important Note: Subject to minimum ₹2,000/- plus GST | ||
| 17 | Other Charges on Term Loans (Specified above) | |
| Form Charge | ₹50+GST – up to ₹5.00 lakh Loan Amount | |
| ₹100 + GST – For Loan Amount from ₹5.00 lakh to ₹25.00 lakh | ||
| ₹150+GST – Above ₹25.00 lakh loan Amt | ||
| CIBIL Charge | ₹100 + GST (For Individual) | |
| ₹800 + GST (For Commercial) | ||
| Inspection Charge | ₹150/- + GST (Yearly) | |
| Applicable Only for Vehicle Loans | ||
| Share Application & Entrance fees | ₹500 + ₹10 = ₹510/- | |
| Fix Deposit | 1.5% of Loan Amount (Except New Car) for all loans | |
| Franking on Loan Documents | ₹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 Charges | ||
| Documents late submission charges (Bill, Receipt, Insurance Policy) | ₹500/- per month after grace period. 30 days. | |
| Savings Account | Compulsory (Maintain balance of 1% of loan amount and upper limit of ₹1.00 lakh whichever is lower for one year). | |
| 18 | ATM |
|
| 19 | Cash Service Charges | |
| Current Account | ₹2.5 per thousand for cash deposit exceeds ₹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 Charges above 60 % . 1 % Charge + GST levied in case utilization below 60% -> CC Govt/ CC Share :- No Charges above 40 % , 1% Charge + GST levied 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 | ||