Charges

Deposit Schemes

Financial Results

Success Stories

Charges

A/C Opening and Minimum Balance
Minimum Balance Charges If minimum balance is not maintained)
Inoperative /Dormant A/c incidental Charges
Charges for late payment of Installment (Recurring Deposi)
Cheque Book Issue Charges
Stop Payment Charges
Cheque/ECS Return Charges
Duplicate Pass Book / Statement
Charges for Closure of A/c before 12 Months
Lost Token
Signature Verification
Loan , Nominal Member, Share Application Form Fee
Loan Processing & Documentation & other charges.
Renewal of Cash Credit & Documentation Charges(Addition/Reduction)
Passbook of Term Loan
No Dues Certificate(Excluding Vishweshwar Banks Customer)
Bills ( Cheque/DD/PayOrder/Bankers Cheque ) Purchase Commission
Bank Guarantee and Letter of Credit
Credit Monitoring Charges for Total Limits of Rs.10 Lac & Above(Excluding Home loans)
Premature Closure of Loan A/c
Revalidation Charges
Remittances- Pay orders/DDs
RTGS
NEFT
OBC Collection Charges for Saving Account holders (If Cheque is Realised)
OBC Collection Charges for other than Saving Account holders (If Cheque is Realised)
OBC Collection Charges (If Cheque is Returned)
Locker Rent & Security Deposit.
Franking
PAN Card Charges
ATM Card & Pin Mailer Charges

Charges Effective from 01.09.2010

A/C Opening and Minimum Balance

Sr.No.	Description	Minimum Balance
1	Current A/c	3000 ( Applicable from 1.10.2010 )
2	Saving A/c (Without Cheque book)	500 ( Applicable from 1.10.2010 )
3	Saving A/c (With Cheque Book / ECS instructions)	1000 ( Applicable from 1.10.2010 )
4	Special Savings Deposit Scheme (Financial Inclusion) A/c	25 Inoperative/Dormant A/c incidental Charges
5	Kishor Savings Bank Deposit Scheme	100
6	Recurring	100 and in multiple of 50

Minimum Balance Charges If minimum balance is not maintained)

Sr.No.	Description	Charges
1	Current A/c	25 (On day of transaction if closing balance is below minimum balance required)
2	Saving A/c	20 (Monthly)
3	Special Savings Deposit Scheme(Financial Inclusion)A/c	5(Quarterly)

Inoperative /Dormant A/c incidental Charges

Sr.No.	Description	Charges
1	Current A/c	50(Quarterly)
2	Saving A/c	20(Quarterly)
3	Special Savings Deposit Scheme(Financial Inclusion)A/c	5/- (Quarterly)

Charges for late payment of Installment (Recurring Deposit)

Sr.No.	Description	Charges
1	Charges for late payment of Installment (Recurring Deposit)	1.50 per 100 per Month

Cheque Book Issue Charges

Sr.No.	Description	Charges
1	Cheque Book Charges	2 per cheque leaf
2	Two copies Cheque Book Charges	2.50 per cheque leaf

Stop Payment Charges

Sr.No.	Description	Charges
1	Stop Payment Charges	20 per cheque leaf Maximum Rs.200

Cheque/ECS Return Charges

Sr.No.	Description	Charges
1		Upto 25 Lac
		Inward	Outward
	Saving A/c and ECS	50	25
	Current A/c and ECS	150	50
	Cash Credit	150	50
		Above 25 Lac
	For All types of accounts	500	300

Duplicate Pass Book / Statement

Sr.No.	Description	Charges
1	Savings & Recurring (Current Financial Year)	30
2	Savings & Recurring (Previous Year/s)	10 Per Page
3	Current / Cash Credit(Current Financial Year)	10 Per Page Maximun 200
4	Current / Cash Credit (Previous Financial Years)	15 Per Page Maximun 300
5	FD Receipt	25 per receipt

Charges for Closure of A/c before 12 Months

Sr.No.	Description	Charges
1	Savings & Recurring	30
2	Current	100
3	FD ( Within 30 Days – From Date of Opening (except Auto Renewal)	30

Sr.No.	Description	Charges
1	Lost Token	150 Per Token

Signature Verification

Sr.No.	Description	Charges
1	Signature Verification	15 Per Verification

Loan , Nominal Member, Share Application Form Fee

Sr.No.	Description	Charges
1	Loan Application Form Fee	Loan Application - 100/-
2	Nominal Member, Share Application Form Fee	Regular and Nominal Share Application - 25/-

Loan Processing & Documentation

Sr.No.	Description	% of Sanctioned Limit	Min Rs.	Max
1	New Term Loans	0.30%	300	50000
2	New Cash Credit	0.30%	300	50000
3	Vastuyog T/L	1.20%	300	10000
4	Solvency certificate	0.12%	300	10000
4	Solvancy Certificate for education purpose	0.06%	300	5000
5	Sanctioned TOD/EOD	0.12%	300	10000
6	Education Loan (Secured/Unsecured)	0.30%	300	10000
7	Gold Loan	-	50	50
8	In-Principal approval	-	300	300
9	NOC Charges	-	100	100
10	TRADE CERTIFICATE Charges	Two Wheeler Three Wheeler Four Wheeler & Other	250 350 500	250 350 500

Renewal of Cash Credit & Documentation Charges(Addition/Reduction)

Sr.No.	Description	Charges
1	Sanctioned Limit	0.15%
2	Minimum	300
3	Maximum	10000
4	In case of Limit enhancement (For enhanced Limit)	0.30 %

Passbook of Term Loan

Sr.No.	Description	Charges
1	Passbook of Term Loan	30

No Dues Certificate(Excluding Vishweshwar Banks Customer)

Sr.No.	Description	Charges
1	No Dues Certificate (Excluding Vishweshwar Banks Customer)	20

Bills ( Cheque/DD/PayOrder/Bankers Cheque ) Purchase Commission

Sr.No.	Description	Charges
1	Bills ( Cheque/DD/PayOrder/Bankers Cheque ) Purchase Commission	3 per 1000 Local Cheque - Minimum 20 6 per 1000 Out Station Cheque - Minimum 20

Bank Guarantee and Letter of Credit

Sr.No.	Description	Charges
1	Against 100% deposit	1% Per Year + Other Banks Commission + Service Charges ( Min 500)
2	Against less than 100% deposit	2% Per Year + Other Banks Commission + Service Charges ( Min 500 )

Credit Monitoring Charges for Total Limits of Rs.10 Lac & Above (Excluding Home loans)

Sr.No.	Description	Charges
1	Credit Monitoring Charges for Total Limits of Rs.10 Lac & Above (Excluding Home loans)	300 Per Quarter

Premature Closure of Loan A/c

Sr.No.	Description	Charges
1	Premature Closure of Loan A/c	1% of Outstanding Balance If account is taken over by other bank /institution. No charges if closed from own sources or as per instructions from Vishweshwar bank

Loan Sanction Letter Revalidation Charges

Sr.No.	Description	Charges
1	Revalidation Charges	0.05% Sanctioned Limit

Remittances- Pay orders / DDs

Sr.No.	Description	Charges
1	Vishweshwar Bank (Pay-Orders)	1 Per 1000 Minimum 15 Maximum 1000
2	ICICI / HDFC	1.50 Per 1000 Minimum 15 Maximum 2000
3	State Bank of India	4.00 Per 1000 Minimum 50

DD/PO/Revalidation & Cancellation Charges

Sr.No.	Description	Charges
1	ICICI /HDFC /SBI & other Banks	25 per DD+ Other Bank Charges
2	Pay Order	Upto 1500 – Charges 15 Above 1500- Charges 30
3	Revalidation Charges	25 + Other Bank Charges

Sr.No.	Description	Charges
1	Outward	2 Lac to 5 Lac 25/- Plus service tax Above 5 Lac 50/- Plus service tax
2	InWard	NIL

Sr.No.	Description	Charges
1	Outward	Upto 1 Lac 5/- Plus service tax Above 1 Lac 25/- Plus service tax
2	Inward	NIL

OBC Collection Charges for Saving Account holders (If Cheque is Realised)

Sr.No.	Description	Charges
1	Upto 5000	25
2	From 50011 to 10000	50
3	10001 to 100000	100
4	Above 100001	150 + other bank commission

OBC Collection Charges for other than Saving Account holders (If Cheque is Realised)

Sr.No.	Description	Charges
1	Upto 10000	50 Per Cheque + service tax + other bank commission
2	From 10001 to 1 Lac	100 Per Cheque + service tax + other bank commission
3	Above 1 Lac	150 Per Cheque + service tax + other bank commission

OBC Collection Charges (If Cheque is Returned)

Sr.No.	Description	Charges
1	Upto 1000	15 Per Cheque + Postage 10
2	From 1001 to 10000	15 Per Cheque + Paying Bank's Commission + 25 (Postage Charges Per Cheque )
3	Above 10001	100 Per Cheque + Paying Bank’s Commission + 50 (Postage Charges Per Cheque)

Locker Rent & Security Deposit

Sr.No.	Description	Charges
1	Locker Rent & Security Deposit	Depending upon locker size. Charges schedule can be availed from any branch.

Sr.No.	Description	Charges
1	Franking	11 Per Document

PAN Card Charges

Sr.No.	Description	Charges
1	PAN Card Charges	PAN Card coupon Fee 94

ATM Card Charges

Sr.No.	Description	Charges
1	Duplicate ATM card issue Charges	100
1	Duplicate Pin mailer issue Charges	50