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Rates & Charges
Transparent banking with uncompromised integrity. View our latest Service Charges and Interest Rates.
🏦 PART-1: DEPOSITS
| Service / Description | Charges |
|---|---|
| Minimum Balance (Current Account) | Rs. 5,000 |
| Minimum Balance (Saving Bank w/o Cheque Book) | Rs. 500 |
| Minimum Balance (Saving Bank with Cheque Book) | Rs. 1,000 |
| Not Maintaining Min Bal (Current A/c) / Month | Rs. 200 |
| Not Maintaining Min Bal (Saving) / Month | Rs. 50 No charges if Avg Monthly Bal is Rs. 5.00 Lacs |
| Cheque Book Charges (Saving) | Rs. 4/- per leaf 30 leaves free per FY |
| Cheque Book Charges (CA/CC/OD) | Rs. 4/- per leaf No charges if Avg Bal is Rs. 5.00 Lacs |
| Stop Payments (Saving) | Rs. 100 |
| Stop Payments (CA/CC/OD) | Rs. 150 |
| Stop Payment of Complete Cheque Book Loss (Saving) | Rs. 400 |
| Cheque Return Outward (Upto 25K / 25K-50K / 50K-2L / >2L) | Rs. 100 / Rs. 150 / Rs. 200 / Rs. 350 |
| Cheque Return Inward (Upto 1L / >1L) | Rs. 350 / Rs. 450 ACH S/B: Rs. 100, Others: Rs. 150 |
💸 PART-2: REMITTANCES
| Service / Description | Charges |
|---|---|
| Banker Cheque / DD Upto Rs. 10,000 | Cash: Rs. 50 | Transfer: Rs. 40 |
| Banker Cheque / DD Above Rs. 10,000 | Rs. 3 per 1,000 Min: 50, Max 5,000 |
| Cancellation of DD / Duplicate | Upto 20k: Rs. 100 | >20k: Rs. 200 |
📈 PART-3: ADVANCES
| Service / Description | Charges |
|---|---|
| Processing: Loans & CC Upto Rs. 25,000 | Rs. 200 |
| Processing: Loans & CC 25k to 1 Lac | Rs. 300 |
| Processing: Loans & CC 1 Lac to 2 Lacs | Rs. 500 |
| Processing: Loans & CC > 2 Lacs | 0.5% (Max 20,000) 0.25% of loan amount |
| Processing: Vehicle Loan | 2 Wheeler: Min Rs. 500 4 Wheeler: Min Rs. 1,500 |
| Visit Charges | Rs. 5.00 Per KM |
| Bank Guarantee | 2.00% of Guarantee amount / yr + Rs. 250 Service Charge |
⚙️ PART-4: MISC SERVICES
| Service / Description | Charges |
|---|---|
| Cash Handling (Per Day > 2L - 4L) | Rs. 150.00 |
| Cash Handling (Per Day > 4L - 6L) | Rs. 300.00 |
| Cash Handling (Per Day > 6L) | Rs. 600.00 |
| Locker Rent (Small / Medium / Large) | Rs. 1,200 / Rs. 2,000 / Rs. 3,000 |
| Locker Operations (>12 visits) | Rs. 100 per additional visit |
| RTGS / NEFT (Upto 1L / 1L-2L / 2L-5L / >5L) | Rs. 5 / Rs. 15 / Rs. 25 / Rs. 50 |
| New Membership Charges | Rs. 350 |
| Solvency Certificate | Rs. 100 per Lac (Min 1,000) |
🏠 Rates of Interest on Loans (W.E.F 01.01.2026)
| Type of Loan | Interest Rate | Margin |
|---|---|---|
| Housing Loan (Purchase) | 9.90% | 25% |
| Housing Loan (Repair & Renovation) | 9.90% | 25% |
| Education Loan (Upto Rs. 5 Lacs) | 9.75% | NIL |
| Education Loan (Rs. 5 to 50 Lacs) | 10.00% | 15% |
| Vehicle Loan (Two Wheeler) | 11.00% | 15% |
| Vehicle Loan (Car upto 20 Lacs) | 9.00% | 15% |
| Vehicle Loan (Car above 20 Lacs) | 10.50% | 15% |
| Commercial Vehicle | 11.50% | 25% |
| Business Loan (Upto 100 Lacs) | 10.50% | 25% |
| Business Loan (Above 100 Lacs) | 10.25% | 25% |
| Loan against LIC/NSC/KVP | 11.00% | 15% |
| Unsecured CC/OD / Business Limits | 16.50% | 25% |
| Ceremonial / Consumer Loans | 16.50% | 25% |
💰 Term Deposits (W.E.F 01.01.2026)
| Period | General Rate | Senior Citizen Rate |
|---|---|---|
| 7 days to 45 days | 3.10% | 3.60% |
| 46 days to 179 days | 4.95% | 5.45% |
| 180 days to 210 days | 5.70% | 6.20% |
| 211 days to less than 1 year | 5.95% | 6.45% |
| 1 year to less than 2 years | 6.30% | 6.80% |
| 2 years to less than 3 years | 6.45% | 6.95% |
| 3 years to less than 5 years | 6.35% | 6.85% |
| 5 years and up to 10 years | 6.10% | 6.60% |
| Special 555 Days Scheme | 6.50% | 7.00% |
Savings Bank / Compulsory Deposits: 2.55% p.a.
* Regular/Ex-Staff receive an extra 1% interest rate over & above normal/senior citizen rates.
* Regular/Ex-Staff receive an extra 1% interest rate over & above normal/senior citizen rates.
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