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Service Charges :w.e.f 01.05.2018

ATM Transactions

DETAILS

OUR (JKSBL)ATM USAGE

OTHER ATM USAGE CHARGES

OTHER ATM USAGE

FREE TRANSACTIONS

SAVING ACCOUNTS
Financial
Cash Withdrawal Per Day / Per Transactions
NIL Rs. 20/-
Per Transactions
Either Financial & / or
Non-financial



Maximum
5
Transactions
Per Month
Non-Financial
Non-Financial
Balance Inquiry
Mini Statement Etc.
NIL Rs. 10/-
Per Transactions
CURRENT ACCOUNTS Financial
Cash Withdrawal Per Day / Per Transactions
NIL Rs. 25/-
Per Transactions
Either Financial &/or
Non-financial

No Free Transactions


All transactions are Chargeable
Non-Financial
Balance Inquiry Mini Statement Etc.
NIL Rs. 10/-
Per Transactions

Cheque Book Issue

Particulars
Charges









CHEQUE BOOK ISSUE
CHARGES
Saving:
  • Two chequebook of 15 leaves each will be issued free of cost for each financial year.
  • For additional cheque book Rs. 3.00 per leaf i.e. Rs.45.00 for 15 leaves cheque Book will be charged.
Special Saving:
  • Three chequebook of 15 leaves each will be issued free of cost for each financial year.
  • For additional cheque book Rs.3.00 per leaf i.e. Rs.45.00for 15 leaves cheque Book will be charged.
Current/CC/OD/ODDEP:
  • Rs.3.00 per leaf i.e. Rs.135.00 for 45 cheque leaves will be charged.
  • Rs.5.00 per cheque leaf with voucher (Minimum quantity 450)
  • Rs.10.00 per leaf for Post Dated Cheque to all above product.
Special Current
  • As per Gold and Platinum Scheme. The details about the scheme is available with Branch Officials
STOP PAYMENT CHARGES Saving:
  • Rs.100.00 Per Instrument Maximum
  • Rs.450.00
Current/CC/OD/ODDEP:
  • Rs.150.00 Per Instrument Maximum
  • Rs.600.00
STOP PAYMENT CHARGES  
In case of loss of complete Cheque Book
  • For all Saving Bank Account products Rs.400.00 per book (30 leaves)
  • For all Other Account products Rs.600.00 per book (45 leaves)
CHEQUE RETURN  
CHARGES (Inward)
  • Saving:
    Rs.150.00 plus 18% p.a. interest on cheque amount.
  • Current/CC/OD/ODDEP:
    Rs.250.00 plus 18% p.a. interest on cheque amount.
CHEQUE RETURN  
CHARGES (Outward)
  • Saving:
    Rs.150.00 per instrument
  • Current/CC/OD/ODDEP:
    Rs.250.00 per instrument.
  • Term Loan (PDC):
    Rs. 250.00 per instrument
ECS RETURN  
CHARGES (Inward)

  • Saving:
    Rs.150.00 plus 18% p.a. interest on amount.
  • Current/CC/OD/ODDEP:
    Rs.250.00 plus 18% p.a. interest on amount.
Issue of Loose Leaf Rs.10.00 per Leaf

(*) All above charges are exclusive of service tax

Demand Draft Issue

Demand Draft Issue Charges
  • Rs.2.00 per thousand Minimum Rs.25.00
    Maximum Rs.15000.00 drawn on HDFC Bank.
  • In case of another Bank, Rs.100.00 per draft plus other Bank charges.

Issue of Duplicate Demand Draft

Issue of Duplicate Demand Draft Rs.100.00 Per Demand draft.

Revalidation of Demand Draft

Revalidation of Demand Draft Rs.100.00 Per Demand draft.

Cancellation of Demand Draft

Cancellation of Demand Draft Rs.100.00 Per Demand draft.

(*) All above charges are exclusive of service tax

Loan Related

Type Of Charges

Particulars

Charges

Loan Processing Charges Excluding ODDEP/DEPLN/Mortgage Loans :
New / Additional Limits 0.70% of Sanctioned limit(0.20% of applied amount(maximum Rs.25,000) to be paid upfront which will be non refundable
Renewal of Existing Limits 0.35% of Sanctioned Limits
Mortgage Loans :
Mortgage Term Loan  
New / Additional Mortgage Overdraft 1.00% of Sanctioned limit(0.20% of applied amount(maximum Rs.25,000) to be paid upfront which will be non refundable
Renewal of existing Mortgage Overdraft 0.70% of Sanctioned Limits
Business Loan Proessing Charges
Product Name Product Code Processing charges
Cash Credit Clean (New) CC 0.70 % p.a
Cash Credit Clean (Renewal) CC 0.35 % p.a
Cash Credit Hyp. (New) CCHYP 0.70 % p.a
Cash Credit Hyp. (Renewal) CCHYP 0.35 % p.a
Mortgage Overdraft (New) MORTG-OD 1 % p.a
Mortgage Overdraft (renewal) MORTG-OD 0.70 % p.a
Loan against land & Bldg LNBLD 0.70 % p.a
Loan against Plant & Machinery PLMLN 0.70 % p.a
Demand Loan DEMAND 0.70 % p.a
Term Loan against Book debts BDBLN 0.70 % p.a
Working capital against specific order WCDL 0.70 % p.a
Mortgage Term Loan MORTG-TL 1 % p.a
Adhoc Cash Credit HYP (1st time) ADHOC CCHYP 1 % p.a
Adhoc Cash Credit HYP (after 1st time) ADHOC CCHYP 2 % p.a
Adhoc Mortgage Overdraft (1st time) ADHOC MORTG-OD 1 % p.a
Adhoc Mortgage Overdraft (after 1st time) ADHOC MORTG-OD 2 % p.a
Bill Discounting IBP 0.70 % p.a
Bank Guarantee BG 0.70 % p.a
Letter of Credit LC 0.70 5% p.a
RETAIL LOAN PROCESSING CHARGES
Product Name Product Code Processing charges
Personal Loan NJADHAR @ 0.70 % p.a
Vehicle Loan ( For Second Hand use ) VEHLN @ 0.70 % p.a
Gold Loan GLDLN @ 0.70% ( For General Accounts )
( subject to min. Rs. 250/- )
0.50% ( For Weaker Section )
Housing Loan NJNIWAS @ 0.30% to @ 0.50%
( as per QRPM eligibility )
Vehicle Loan (For Commercial use) VEHLN @ 0.50%
Vehicle Loan ( For Two-Wheeler ) NTOWHEEL @ 0.25%
Loan against Govt. Securities GOVLN @ 0.25%
( subject to min. Rs. 250/- and Max Rs. 5000/-)
Loans to Professionals JANPRO @ 0.25%
Mortgage Term Loan RCMTL 1.00 % p.a
NJNIWAS - B NJNIVSB Rs. 1000/-
Education Loan JANVIDYA Nil
Vehicle Loan ( For Personal use ) NSPCARLN Nil
Bank Guarantee Commission
  • 3.00% p.a.
  • 2.00% p.a. in case of 100% Cash Margin
  • Plus Rs.250.00 Service Charges.
Letter of Credit Inland

2.50% p.a. plus Rs.250.00 Service Charges.

Issuance of Solvency Certificate
(Amount in Rs.)
Rs.250.00 per lac
minimum Rs.750.00
maximum-Rs.25,000
Drawing against Unclear Effects
  • Saving & Current:
    18% p.a. interest on cheque amount.
  • CCHYP/CC/OD/ODDEP:
    3.25% over the regular interest rate.
Bill Discounting under L/C

Rs.1250.00 handling charges per bill

Bill Discounting not under L/C
(Amount in Rs.)
Commission:
0.75% per thousand-minimum-Rs.500

RTGS & NEFT Charges

Value Band
REVISED NEFT CHARGES PER TRANSACTION. W.E.F. 01.01.2014
( in Lakh)
REVISED RTGS CHARGES PER TRANSACTION. W.E.F. 01.01.2014
( in Lakh)
NEFT
TIME SLOT
NOT APPLICABLE
Charges from 9.00 hours to 12.00 hours Charges after 12 hours to 15.30 hours Charges after 15.30 hours to 17.30 hours. Charges after 17.30 hours
Up to 1 Lakh
5.00
NOT APPLICABLE
1 to 2 Lakhs
15.00
NOT APPLICABLE
Above 2 Lakhs to 5 Lakhs
NOT APPLICABLE
25.00
26.00
30.00
30.00
Above 5 Lakhs
NOT APPLICABLE
50.00
51.00
55.00
55.00

Note Counting

For Cash Withdrawal

Saving
For Home Branch -NIL
For ABB Branch -

Upto Rs.25000/- NIL
Rs.25001 to Rs.2,00,000/- Rs.100.00 plus Rs.1.00 per thousand or part thereof

Current/CC/OD/ODDEP
For Home Branch - NIL
For ABB Branch Transaction

Upto Rs.25,000/- NIL
Rs.25,001/- to 2,00,000/- Rs.125.00 plus Rs.1/- per thousand or part thereof



For Cash Receipts

Saving
For Home Branch

Upto Rs.1,00,000/- NIL
Above Rs.1,00,000/- Rs.50.00 plus Rs.1/- per thousand or part thereof

For ABB Branch

Upto Rs.50,000/- NIL
Above Rs.50,000/- Rs.100.00 plus Rs.1.00 per thousand or part thereof



Current/CC/OD/ODDEP

For Home Branch

Upto Rs.1,00,000/ NIL
Above Rs.1,00,000/- Rs.75.00 plus Rs.1.00 per thousand or part thereof

For ABB Branch

Upto Rs.1,00,000/- Rs.100.00 plus Rs.1.00 per thousand or part thereof
Above Rs.1,00,000/- Rs.125.00 plus Rs.1.00 per thousand or part thereof

(*) All above charges are exclusive of service tax

Duplicate

Particulars
Charges
Issue of Duplicate Fixed/KTY receipts in case of loss of original receipts Rs.100.00 per receipt (Necessary formalities required to be completed before issue of the receipt/s)
Issue of Duplicate Balance Confirmation Certificate & Interest Certificate - both Deposit & Advance Rs. 50.00 Per Certificate
Duplicate ATM & PIN Mailer Rs.100.00 Per Occasion
Duplicate Pass Book (Saving/RD) Rs.50.00 in passbook format for records upto 18 Months. Rs.50.00 plus Rs.15.00 per page in statement format only (A4) for records prior to 18 Months.
Duplicate Statement Rs.75.00 per page

Locker Charges

Annual Rent on SDV Lockers
Below mentioned Service Charges (exclusive of Service Tax ) are w.e.f.01.05.2018
 
Type of Locker
Existing Rent
Revised Rent w.e.f. 01.04.2014
 
A
700.00
800.00
 
B
850.00
1000.00
 
C
1800.00
2000.00
 
D
2000.00
2,200.00
 
E
2500.00
2,800.00
 
F
2800.00
3,000.00
 
G
2900.00
3,000.00
 
H
3000.00
4,200.00
 
H1
2400.00
2,800.00
 
L
6670.00
7,500.00
 
D-1
2500.00
2,800.00

Outstation Cheque Collection

Type Of Charges
Charges
Outstation Cheque Collection Charges
Amount in Rs.
Up to Rs. 10,000 Rs. 50.00
Rs. 10,001 to Rs. 1,00,000/- Rs. 100.00
Above Rs. 1,00,000/- 1.50 per thousand
Plus Other Bank charges if any  
 
Bills Collection Charges
Amount in Rs.
Upto Rs. 5,000.00 Rs. 50.00
From Rs. 5,001.00 to Rs. 10,000.00 Rs. 75.00
Above Rs. 10,001.00 6.00 per thousand Minimum 75.00
Plus Other Bank charges if any  
Bills and Outstation
Cheque return Charges
50% of the applicable collection charges plus Postage and other Bank charges if any.

(*) All above charges are exclusive of service tax


Pay Order Issue

Particulars
Charges
Pay Order Issue Charges
(Non Cash)
Rs.1.00 per thousand
Minimum Rs.15.00 Maximum Rs.1500.00
Pay Order Issue Charges (Cash)

Rs.2.00 per thousand Minimum Rs.30.00

Maximum Rs.100.00

Maximum amount of Pay order in cash will be issued as per extent guidelines of Income Tax.

Issue of Duplicate Pay Order

Rs.100.00 Per Pay order

Revalidation of Pay Order Rs.100.00 Per Pay order
Cancellation of Pay Order Rs.100.00 Per Pay order

(*) All above charges are exclusive of service tax

Routine Services

Type Of Charges
Particulars
Charges
Minimum Balance
to be maintained
Saving Bank Account without Cheque Book 500.00
Saving Bank Account with Cheque Book 1000.00
Special Saving Bank Account 4000.00
Current Account 3000.00
Zero Balance Current Account 0.00
Special Current Account 8000.00

Type Of Charges
Particulars
Charges
Minimum Balance
Charges
Saving Bank Account without Cheque Book NIL
Saving Bank Account with Cheque Book NIL
Special Saving Bank Account NIL
Current Account Minimum 150.00 thereafter 25.00 Per Instance
(*) Zero Balance Current Account 1750.00 yearly upfront charges
Special Current Account As per Gold and Platinum scheme.
(*)In case yearly upfront charges not paid within three months, Account shall be closed without giving notice to customer.

Standing Instruction Charges

Rs.25.00 Per Instruction

Rs.50.00 Specific Instruction for transferring funds to another account for honoring Inward Cheque and ECS.

(No charges for transferring funds to Recurring deposits/Term Deposits/Loan accounts towards the recovery of the Installments)

Inward Clearing-ECS Passed in Second Upload Saving Account Rs.2.00 per thousand Min. Rs.100.00
Current Account Rs.4.00 per thousand Min. Rs.200.00

Charges for Closure of Account Saving & Special Saving:
Within 1 year Rs.150.00 plus Rs.3.00 per leaf for unutilized cheque leaves.
Above 1 year Rs.2.00 per leaf for unutilized cheque leaves.
Current & Special Current:
Within 1 year Rs.250.00 plus Rs.5.00 per leaf for unutilized cheque leaves.
Above 1 year Rs.5.00 per leaf for unutilized cheque book.

   
Charges for Signature & Photo attestation Rs.75.00 Per Instance

Fate Enquiry Rs.50.00 Per Instance

Addition / Deletion Name, Name of the Authorized signatory and Nomination change Individual Rs.25.00
Institution NIL
Others Rs.50.00

Copy of Old Record Rs. 75.00 per transaction for 3 to 12 months old records.
Rs.150.00 Per transaction for above 12 months old records

Ledger Folio Charges for CC/CCHYP/OD/ODDEP/CA
To be recovered on quarterly basis
Rs.2.00 Per Entry Minimum Rs.50.00

Tax Challan Charges Rs.100.00 per Challan

Saving Account Withdrawals Savings:
Rs.10.00 per withdrawal (only for cash withdrawal) to be charged above 120 transactions per financial year.

Any Other Certificate not covered in this schedule of charges Rs.75.00 Per Instance

Default and or delay in depositing recurring deposit installment Rs.1.50 for every Rs.100.00 per month for deposit of five years or less
Rs.2.00 for every Rs.100.00 per month for deposit over five years .

(*) All above charges are exclusive of service tax