PANDYAN GRAMA BANK

Savings Bank A/c –No Frills (ELIMAI)

Minimum Balance Zero

Charges for non maintenance thereof No charges

Saving Bank Accounts with Cheque facility

Minimum Balance Rs.500 for account with cheque book

Charges for non maintenance thereof Rs.6/- per instance of non maintenance

Saving Bank Accounts without Cheque facility

Minimum Balance Rs.100 for accounts without cheque book

Charges for non maintenance thereof No charges

Other savings bank account facilities

Issue of Duplicate Statement Rs.18/- per ledger page

Issue of loose cheque leaves Rs.2.25

Issue of duplicate pass book Rs. 18/- with last entry for previous entries additional charge of Rs.18/- per page.

Remittance Facilities through own bank

DD- Issue

Amount

Customer

Non-Customer

Upto Rs..500

13

17

Rs. 501 to Rs. 1000

13

17

Rs. 1001 to Rs. 5000

23

28

Rs. 5001 to Rs. 10000

28

34

Rs.10001 to Rs. 100000

Rs.2.25/-per Rs.1000 or Part thereof Min. Rs.28

Rs.3.40/ per Rs.100/- or part thereof Min.Rs.34/-

Above Rs. 100,000 to Rs.10 lakh

As above Min .Rs.225/-

As above Min.Rs.340/-

Above Rs. 10 lakh

As above Min. Rs.2250/-

As above Min.Rs.3370/-

DD-Cancellation No-Charges

DD-Duplicate Upto Rs.2500 –Rs.23. Above Rs.2500 –Rs.35/- per instrument

DD-Revalidation Rs.13 per Instrument

PO-cancellation No-Charges

PO-Duplicate Upto Rs.2500 –Rs.23. Above Rs.2500 –Rs.35/- per instrument

PO-Revalidation Rs.13 per Instrument

TT - Issue No facility

Collection of Cheques

Remittance Facilities through other bank

DD- Issue

Amount

Customer

Non-Customer

Upto Rs..500

13

17

Rs. 501 to Rs. 1000

13

17

Rs. 1001 to Rs. 5000

23

28

Rs. 5001 to Rs. 10000

28

34

Rs.10001 to Rs. 100000

Rs.2.25/-per Rs.1000 or Part thereof Min. Rs.28

Rs.3.40/ per Rs.100/- or part thereof Min.Rs.34/-

Above Rs. 100,000 to Rs.s10 lakh

As above Min .Rs.225/-

As above Min.Rs.340/-

Above Rs. 10 lakh

As above Min. Rs.2250/-

As above Min.Rs.3370/-

DD-Cancellation NO CHARGES

DD-Duplicate Upto Rs.2500 –Rs.23. Above Rs.2500 –Rs.35/- per instrument

DD-Revalidation Rs.13 per Instrument

TT - Issue No facility

Foreign Exchange Transactions No facility

Cheque Collection

Local NO CHARGES

Amount

Commission

up to Rs. 10,000

Rs.6/- per 1000 with minimum of Rs.23/- not exceeding Rs.56/-

Rs.10,001 to Rs.1,00,000

Not exceeding Rs.111/- per instrument

Rs.1,00,001 and above

Not exceeding Rs.166/- per instrument

Outstation through another bank

Amount

Commission

up to Rs.10,000

Rs.6/- per 1000 with minimum of Rs.23/- not exceeding Rs.56/-

Rs.10,001 to 1,00,000

Not exceeding Rs.111/- per instrument

Rs.1,00,001 and above

Not exceeding Rs.166/- per instrument

Bouncing of cheques- Local Rs.56 per instrument

Bouncing of cheques- Outstation cheque upto Rs.10,000- Rs.6/- per 1,000 with minimum of Rs.23/- not exceeding Rs.56/-, For Rs.10,001 to Rs.1,00,000- Rs.111/- per instrument, For Rs.1,00,001 and above Rs.166/- per instrument

 

Retail Loan

Loan Processing Charges

PROCESSING FEE

SELF HELP GROUP

Charges

For the first linkage

NIL

For the second and subsequent linkages

0.6% on the loan amount with a maximum of Rs.750/- per loan.

For Bulk lending upto Rs.5.00 lakh

Rs. 1500/- per loan

For Bulk lending Above Rs.5.00 lakh

Rs. 3500/- per loan

CONSUMER LOANS

 

For CLSP Any amount

1.15% of loan amount with a maximum of Rs.600/-

PRIORITY SECTOR ADVANCES

Upto Rs. 25000/-

No Charges

Above Rs. 25000/- to Rs. 1 Lakh

0.6%on the loan amount

Above Rs. 1 Lakh upto Rs.5 Lakhs

1.14% on the loan amount with a maximum of Rs.5000/-

Above  Rs.5 Lakhs

1.14% on the loan amount with a maximum of Rs.6000/-

NON-PRIORITY SECTOR ADVANCES

Upto Rs.1 lakh

0.6% on the loan amount

Above Rs.1 lakh upto Rs.5 Lakhs

1.15% on the loan amount with a maximum of Rs.5000/-

Above  Rs.5 Lakhs

1.15% on the loan amount with a maximum of Rs.7500/-

MORTGAGE CHARGES

The notified branch should collect 1.15% of the loan amount with a maximum of Rs. 580/- per account.

 

Stamp duty and Registration fee on Deposit of documents

Stamp duty fee as required under the State Laws may be recovered excepting in cases exempted by respective State Government.

Prepayment Charges @1.30%

No due Certificate Rs.12 per person

Solvency Certificate Rs.0.6%

Charges for late payment of EMI Actual interest + 2% for the belated installment

Charges for changing from fixed to floating rates of interest NO FACILITY

Charges for changing from float to fixed rates of interest No facility

Cards No facility

ATM No facility

Credit Card No facility

Debit Card No facility

MISCELLANEOUS

Balance enquiry No charges

Balance Certificate Rs.11.30 per certificate

Interest Certificate Rs.11.30 per certificate

Account closure Rs.23/- for SB accounts. No closing charges for other

Use of Fax/Telephone/Modem No Facility

Photo attestation Rs.11.30 per attestation

Signature attestation Rs. 11.30 per attestation

Stop Payment Charges Rs.11.30 per instrument

Inoperative account

In-operative SB account Rs.23/ per half year in Sep & March

In operative Current Account Rs.23/ per annum + ledger folio charges

 

Jewel Loan Insurance Premium

Premium should be charged @ Rs 2/- per      Rs 1,000/- or part thereof /per year. It should be collected at the time of closure of Jewel loan a/c i.e. on the date of redemption.

 

Bank Commission for Jewel Loan

Upto Rs 10,000/- ............................Rs 50

Rs. 10001  to Rs. 25000/- ..............Rs, 75

Rs    25001  to Rs. 50000/- ............Rs100

Rs  50001 to Rs100000/- ..............Rs150

Above Rs100000/- ........................Rs 200

(Inclusive of 10.5% Service Tax)

 

Appraiser Commission for Jewel Loan

Rs.3/- per Rs 1000/-

(Maximum Rs 100/-)