Fees and Charges applicable before 1st July 2007

Description of Charges	Plus Current Account
Current Accounts with Cheque facility
Minimum Balance (Average Quarterly Balance)	Rs. 1,00,000/-
Charges for non maintenance thereof per Quarter	If upto Rs.50,000/- - Rs.1,500/- & If below Rs.50,000/- - Rs.6,000/-
Other Current Account facilities
Issue of Duplicate / Adhoc Statement	Rs. 100 at Branch or Phonebanking (Non-IVR), Rs. 50 per statement through Phonebanking (IVR), Netbanking, ATM, Mobilebanking.
Mode of calculation of minimum average quarterly balance	Sum of Daily Closing Balance for financial quarter / Number of days in the Qtr
Remittance facility through own Bank
Effective 1st July 2006, up to 100 cheque leaves issuance FREE per month. Issuance in excess of above will be charged @ Rs.2/- per cheque leaf issued. For accounts not maintaining AQB free limit is not applicable & the same is charged @ Rs.2/- per cheque issuance.	-
Demand Drafts - Issued payable at BRANCH Locations & Issued from Home Branch / Duplicate DD	-
Demand Drafts payable at Mumbai, Delhi, Kolkata, Chennai, Ahmedabad, Bangalore, Hyderabad, Trivandrum, Chandigarh, Bhopal, Nagpur, Jaipur, Bhubaneshwar, Kanpur, Patna & Guwahati	FREE
Demand Drafts payable at any Other Branch locations	FREE upto Rs.10 lacs per day per account. Above which full amount will be charged @ Rs.0.50 per Rs.1,000/-, min Rs.25/- max Rs.5,000/-. Effective 1st July 2006, Free up to a total of Rs.50 lacs per month, incremental to be charged @ Rs.0.25 p
For accounts not maintaining Average Quarterly Balance	Charges @ Rs.0.25 per Rs.1,000, minimum Rs.25/-, maximum Rs.5,000
Demand Drafts - Issued payable at BRANCH Locations & Issued from Non-Home Branch / Duplicate DD	Rs.0.50 per Rs.1,000, min Rs.25/-
Issuance of DD/ PO through PhoneBanking	Rs. 25 **Only DD amount upto Rs 300,000 for Current Plus Accountholders accepted at Phonebanking. All standard charges for DD are applicable as above.
DD-Cancellation/Revalidation	Rs.50/-
Pay Orders Issued from HOME Branch / Duplicate PO	FREE. Effective 1st July 2006, Free up to 25 Pay Orders per month, incremental to be charged @ Rs.0.50 per Rs.1,000, minimum Rs.25/-, maximum Rs.5,000/-
Pay Orders Issued from NON-HOME Branch / Duplicate PO	Rs.0.50 per Rs.1,000, minimum Rs.25/-, maximum Rs.5,000/-
For accounts not maintaining Average Quarterly Balance	Charges @ Rs.0.50 per Rs.1,000, minimum Rs.25/-, maximum Rs.5,000/-
PO-cancellation/Revalidation	Rs.50/-
Inter-city funds transfer within Branch locations except Dahej - includes both collection & payment in the accounts	Free upto Rs.1 Crore per month, incremental to be charged @ Rs.0.50 per Rs.1,000/-, includes cash & non-cash transactions
EFT Charges- inward	FREE
EFT Charges- outward	FREE
RTGS-Outward	Rs.0.25 per Rs.1,000/- per transaction, minimum Rs.50/-, maximum Rs.1,000/-
RTGS-Inward	FREE
Remittance facility through other Bank
DD- Issue / Duplicate DD	Rs.2.50 per Rs.1000/- Minimum Rs.50/-
DD-Cancellation / Revalidation	Rs.50/-
Cheque Collection
Local	FREE. Effective 1st July 2006, Up to 300 cheque deposits per month FREE. Cheque Deposits in excess of above will be charged @ Rs.5/- per cheque deposit. For Accounts not maintaining AQB Rs.5/- per cheque deposit.
Outstation through own bank	FREE, Effective 1st July 2006, Courier Charge of Rs.10/- per cheque, subject to realisation of funds
Outstation through another bank	0.40% (minimum Rs.25/-) + courier charge Rs.25/-, Credit on receipt of clear funds
Bouncing of cheques- Local	-
Cheques Drawn on us	-
Due to Insufficient Funds	Rs.300/- per Instrument
Accounts not maintaining AQB as of previous quarter	Rs.350/- per Instrument
Due to Technical Reasons	No Charge
Cheques Deposited Returned Unpaid	-
Local	Rs.50/- per Instrument
Accounts Not maintaining AQB as of Previous Quarter	Rs.100/- per Instrument
Bouncing of cheques- outstation- through own bank	Rs.100/- per Instrument
Bouncing of cheques- outstation- through another bank	Rs.100/- per Instrument
Cash Transactions
Cash Deposits	Cash Deposit upto Rs.10 lacs per month allowed Free at Home Branch. Deposits in excess of above will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. For accounts not maintaining AQB Free limits are Not Applicable. Cash Deposits at Non-Home Branch is NOT allowed.
Miscellaneous
Balance enquiry	Rs.25/-
Balance Certificate	Rs.50/-
Interest Certificate	Rs.50/-
Account closure	Upto 14 days - No charge 15 days upto 6 months - Rs 100/- Above 6 months - No charge
Photo attestation	Rs. 50/-
Signature attestation	Rs.50/-
Stop Payment Charges	Particular Cheque:- Rs. 50/- (Rs.40/- through PhoneBanking) & Range of Cheques:- Rs. 100/- (Rs. 80/- through PhoneBanking) & FREE through Net Banking
Inoperative account	Activation of Dormant/inoperative account Rs. 100/-
Phonebanking - IVR	Free
Phonebanking - Non IVR	Free
Phonebanking - Non IVR	Rs. 50 per call on non maintenance of Min balance for transactions that are available on IVR but are done through the PhoneBanking executive
ECS (Debit) Return Charges	Rs 200 (plus taxes)

Fees and charges applicable before 1st September,2010