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IFSC Code -IBKL0452JSB

Banking in Jain Way

Service Charge

Service Charge

SERVICE CHARGE

List Of Service Charges (Amount in ₹)

1.

Deposit Related Transactions:

 

1.1

Ledger Folio Charges

(Only for Current & Overdraft a/cs):To be charged ½ yearly or at the time of closing/ transferring a/c. per page consisting 40 entries

Rs.25/- per entry (no free entries/folios)

1.2

Duplicate Pass Book / Statement:

 

 

With only last balance entry Rs.70.00
With previous entries of 40 Rs. 25.00 entries per page in addition to the above

1.3

Cheques Book Charges:

(while issuing): Per cheques leaf (In SB a/c’s 30 cheques per year are to be issued free of cost)

2.00 per leaf

1.4

Accounts Closing Charges:

S. B. A/c Rs.75/-

Current A/c Rs.100/-

1.5

Dormant A/c Charges (Annual):

(1/2 yearly)

S. B. A/c Rs.10/-

Current A/c Rs.20/-

1.6

Minimum Balance Charges (Monthly):

S. B. A/c Rs.30/-

Current A/c Rs.50/-

1.7

Stop Payment Charges (Per Instrument):

S. B. A/c Rs.75/-

Current A/c Rs.75/-

1.8

Standing Instructions:

Per transaction no charges are to be levied for transfer from Current/OD/SB to RD A/Cs or Loan A/Cs

Rs.20/-

1.9

Confirmation of Signatures:

Irrespective type of A/c

Rs.50/-

1.10

Issue of certificates

(NOC /NDC/Certificate of Balance/ Certificate of Interest charged on Loan or advances/ Cheques honored Per Certificate (No charge for issue of certificate of interest paid on deposits)

Rs.50/-

1.11

Enquiry of Old Transactions:

Transactions of more than a year old

Rs.50/-

1.12

Issue of Duplicate Deposit Receipts:

Per Receipt

Rs.75/-

1.13

Half yearly charges

(Current/Overdraft a/c s)(Incidental A/c maintenance charges)Per occasion only for operative a/c

Rs.50/-

1.14

Loss of Tokens: Per token

Rs.50/-

1.15

Fate Enquiry:

Per enquiry Plus out of pocket expenses

Rs.100/-

2.

Remittances:

 

2.1

Issue of Cheques Payable at Par Instruments:

Amounts

Up to 10000/- Rs.20/-

Above 10000/- Rs.50/-

2.2

Issue of Pay Orders/ Bankers Cheques against Cash

Receipt:

Above 10000/- up Rs.30/- + Rs.1

To 100000/- per 1000/-

Above 10000/ –

Above 10000/- Rs.120/- + Rs.1 per

1000/- above

Rs.1.00 lac

2.3

Cancellation/Revalidation/Issue of Duplicate Pay Order/Cheques Payable at Par:

Revalidation Rs.10/-

Cancellation Rs.15/-

3

Collection

 

3.1

Collection of Inward / Outward Cheques:

Upto & including Rs.10000/-

Above 10000/- & upto & including Rs.1.00

Lac

Above Rs.1.00 lac to Rs,5.00 lacs

Above Rs.5.00 lacs to Rs.7.00 lacs

Above Rs.7.00 lacs to Rs.10.00 lacs

Above Rs.10.00 lacs to Rs.5/- per 1000 max 8000/-

(Postage & out of pocket charges extra)

 

Rs.50/- per instrument

Rs.100/- per instrument

 

Rs.500/- per instrument

Rs.1000/- per instrument

Rs.3000/- per instrument

Rs.5/- per 1000 maximum 8000/-

3.3

Dishonor of Inward/Outward Bills/cheques:

 

3.3.1

Outward Clearing Return

Inward Clearing Return

Rs.100/- per instrument

Rs.300/- per instrument

3.3.2

If cheques are drawn outside the city:

ECS Return Debit Credit

Rs.300.00 per transaction Irrespective of type

4.

Purchase of Cheques/Discount of Bills

 

4.1

Cheques/Drafts (Local/Outstation):

Commission

35.00 per instrument

 

In both these cases, interest as applicable to clean advances are to be collected for the number of days Bank is out of funds in addition to postage & out of pocket expenses.

(At present 16% p.a.)

 

5.

Locker Rent:

(Rent on Lockers to be collected annually in advance w.e.f. 01.04.2011)

Type Rent

A 935/-

B 1100/-

C 1155/-

D 1375/-

E 1705/-

F 2035/-

G 2145/-

H1 2915/-

H2 1485/-

I 3465/-

 

5.1

Locker Applications:

Per application / Registration Charges

Visit / Operation Charges (whenever visit / operation exceeds 10 quarter)

Surrender Charges

Late Payment of Rent Charges

Break open Charges : Actuals as per bill

 

Rs.300/-

Rs.50/- per visit/operation

 

Rs.500/-

Rs.50/-

Rs.750/- handling charges in addition to actual

6.

Solvency Certificates

 

 

The following charges are to be collected for issue of solvency certificates

Amounts

up to Rs.5.00 lacs Rs.500/-

up to Rs.10.00 lacs Rs.600/-

up to Rs.25.00 lacs Rs.800/-

Up to Rs.50.00 lacs Rs.1100/-

Above Rs.50.00 lacs Rs.1800/-

7.

Advances

 

 

Loan Application Form

Rs.50/-

 

Processing Charges (For New and Enhancement Proposals) Processing charges are to be collected in advance.

Processing Charges are Not Applicable for Loan against Bank’s Own Term Deposits.

In case of Renewal of Limits 75 % of Normal Applicable Charges as above are payable.

Amounts

Up to Rs.25000 : Rs.100

Above 25000/- up to 50000/-: Rs.200

Above 50000/- up to 100000/-:Rs300

Above 100000/- :0.50% of the

Loan/OD amount

 

8.

Delivery/ Pledge of LIC/NSC. Per delivery/ pledge/ assignment/ reassignment

25.00 per instrument Out of pocket expenses are to be collected extra.

 

9.

Replacement of Shares & Securities / Service charges for replacement of shares:

Actual Charges to be collected

 

10.

Service Charges on Vehicle Loans

Hypothecation of vehicle Rs.100/-

Permit renewal letter Rs.40/-

Insurance renewal Rs.50/-

11.

Inspection Charges:

Actual expenses to be collected from the borrower

 

Godown Inspection Charges

Limit Charges Rs

Up to 2.00 lacs 250/-

Up to 5.00 lacs 300/-

Up to 10.00 lacs 450/-

Up to 20.00 lacs 600/-

Up to 50.00 lacs 800/-

Above 50.00 lacs 1200/-

12.

Bank Guarantees/Extension of Bank Guarantee:{These charges are to be collected in advance in addition to 200/- as fixed service charges.}

Secured by Bank’s own deposit: 0.75% P.A

Secured by other assets:2.50% P.A.

  1. Portion : 3.00% P.A.

13.

Extension of Bank Guarantee: Fixed service charges of per extension in addition to the charges as pointed in

100.00

All out of pocket expenses are to be collected in addition to the above

14.

Cash Withdrawal charges

 

 

Cash Handling charges for Cash Deposit of more than 2.00 laces per day @ # Cash Withdrawal 200000/- & above to be charged @ 0.10 % per entry for CA/OD Accounts

# Explanation: Cash Handling Charges are per entry of ` 200000/- and above for CA/OD Account Holders @ 0.10 %. However if the party withdraws more than 200000/- per day by effecting more than one transaction in single / different accounts.

@0.10% when cash deposited exceed Rs.1.50 lacs

15.

 

 

Revised Charges for NEFT as per RBI Circular

Amounts upto Rs.10000/-

Amount from Rs.10001 to Rs. 1 lac

Amount above Rs.1 lac upto 2 lacs

Amount above Rs.2 lacs.

 

Revised Charges for RTGS as per RBI Circular

Upto Rs.2/- lacs

Above Rs.5/- lacs

 

 

Rs.2.50

Rs.5/-

Rs.15/-

Rs.25/-

 

 

 

Rs.20/- + Taxes

Rs.50/- + taxes

16.

Tax Payment

Rs.300/- P.A. (per party)

17.

CIBIL Charges

Rs.150/-

18.

SMS Charges (per quarter)

Saving Rs.15/-

Current Rs.25/-

19.

Foreclosure Charges (Loan Account)

1% of loan outstanding in case of repayment

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SERVICE CHARGES AS APPLICABLE   FROM     .                     01.04.2024 

 SERVICE CHARGES AS APPLICABLE
FROM 01.04.2024 
(GST Extra)
1Deposit Related
Transactions :
Charges
1.1Ledger Folio Charges (Only for Current &
Overdraft A/c s):
Rs.0.30 per entry
 To be charged 1/2 yearly or at the time of closing
 
 transfering a/c. per page consisting 40 entries 
 (Stationary Charges) 
1.2Duplicate Pass Book /
Statement:
 
 With only last balance
entry
Rs.100.00
 With previous entries of 40 entries per pageRs.30.00
 in addition to above. 
1.3Cheque Book Charges (while
issuing):
 
 Per Cheque leaf of Current Account/Savings
Account 
Rs.2.00
 (In SB A/c 30 Cheques per year are to be issued
free 
 
 of cost) 
 No Charges for Jain Gold
Saving Account & Jain Gold Current Account.
 
1.4Accounts Closing Charges: 
 S.B. A/cRs.75.00
 Current A/cRs.100.00
1.5Dormant A/c Charges ): 
 S.B. A/cRs.10.00
(1/2 yearly)
 Current A/cRs.20.00
(1/2 yearly)
1.6Minimum Balance Charges
(Monthly Prorate of actual shortfall):
 
 S.B. A/c     – 
Rs.1000/-
Rs.50.00
 Current A/c  – Rs.2500/-Rs.100.00
 (No Charges in A/c
Classified as In-operative)
 
1.7Stop Payment Charges (Per
Instrument):
 
 S.B. A/c    Rs.100.00
 Current A/c  Rs.150.00
1.8Standing Instructions: 
 Per transactionRs.25.00
 No Charges are to be levied for transfer from  
 Current / OD/SB to RD A/cs or Loan A/cs 
1.9Confirmation of Signatures
:
 
 Irrespective type of A/cRs.100.00
1.10Issue of Certificates (NOC/NDC/Certificate of Balance/
Certificae of Interest charged on
 Loan or advances / Cheques honored Per Certificate 
 (No charge for issue of certificate of Interest
paid on
Rs.100.00
 deposits) 
1.11Enquiry of Old Transaction 
 Transactions of more than a
year old  
Rs.100.00
1.12Issue of Duplicate Deposit
Receipts:
 
 Per ReceiptRs.100.00
1.13Half yearly Charges
(Current /Overdraft a/cs)
 
 (Incidental A/c Maintenance Charges)Rs.100.00
 For Operative A/c only 
1.14Loss of Tokens:  
 Per tokenRs.100.00
1.15Fate Enquiry : 
 Per enquiry Rs.100.00
 Plus out of Pocket expenses 
2Remittances
:
 
2.1Issue of Pay Orders/
Bankers Cheques against 
 
 Amount 
 Upto Rs.1000/-Rs.20.00
 Upto Rs.10000/-Rs.30.00
 Above Rs.10000/-  up to Rs.100000/-Rs.30.00
plus @Rs.1/-
  per 1000/- above 10000/-
 Above Rs.100000/-Rs.120.00
plus @Rs.1/-
  per 1000/- above 100000/-
  (Minimum Rs.120/- Maximum
Rs.2000/-)
2.2Cancellation/ Revalidation/ Issue of Duplicate Pay
Order:
 
 RevalidationRs.25.00
 CancellationRs.30.00
3COLLECTION 
3.1Collection of Inward /
Outward Cheques & Bills 
(Outstation):
 
 Up to and including
Rs.10000/-
Rs.50.00
per Instrument
 Above Rs.10,000/- and up to
& including Rs.100000/-
Rs.100.00
per Instrument
 Above Rs.100000/- to
Rs.500000/-
Rs.500.00
per Instrument
 Above Rs.500000/- to
Rs.700000/-
Rs.1000.00
per Instrument
 Above Rs.700000/- to
Rs.1000000/-
Rs.3000.00
per Instrument
 Above Rs.1000000/- Rs.5/-
per 1000 maximum 8000/-
Rs.5.00
per 1000/- max.8000
 (Other Bank Charges, Postage & out of
pocket  
 
 charges are extra) 
3.2Dishonor
of Inward/ Outward Bills/ Cheques:
 
3.2.1If cheques are drawn on
our branches charges (local) Outward Return:
 
 S.B A/cs  (up to Rs.1.00 Lakh)Rs.300.00
per instrument
 Current / Overdraft A/cs
(up to Rs.1.00 Lakh)
Rs.300.00
per instrument
 For Amounts above Rs.1.00
Lakhs (All type of accounts)
Rs.500.00
per instrument
 OUTWARD BILLS / CHEQUES 
3.2.2If cheques are drawn on
other local banks Charges (local) Outward Return
 
 S.B. A/c, Current A/c & Overdraft A/cRs.100.00 Per Instrument
  0.06% of the amount
 ECS/NACH Return Debit
Credit
Rs.300.00
per transaction
  irrespective of type of
account
3.2.3If cheques are drawn
outside the city:
50% of normal collection
charges
3.2.4Inward/ Outward Bills
(Outstation / Local) charges:
50% of normal collection
  charges
4Purchase
of Cheques / Discount of Bills :
 
4.1Cheques Rs.35/-
per instrument
4.2BillsRs.100/-
per instrument
 (Interest @14% p.a. for
period of collection extra)
 
5Safe
Deposit Lockers
 
5.1Locker Rent 
 Rent on Lockers to be
collected annually in advance
 
 TypeRevised Rent
 A1000.00
 B1200.00
 C1300.00
 D1500.00
 E1900.00
 F2300.00
 G2400.00
 H13300.00
 H21600.00
 L4000.00
5.2Locker Applications : 
 Per application /
Registration Charges
Rs.300.00
 Visit / Operation Charges
(whenever visit/ operation
Rs.50.00
 exceeds 10 in quarter.)per visit /operation
 Surrender ChargesNIL
 Late payment of Rent
Charges:
Rs.50/-
per month
 Break Open Charges: Rs.1000
handling charges
  in addition to actual
  charges of Vendor
6Solvency Certificates 
               The following charges are to be
collected for issue of solvency certificates.
 
 AmountCharges in Rs.
 Upto Rs.5.00 Lakhs1000.00
 Upto Rs.10.00 Lakhs1200.00
 Upto Rs.25.00 Lakhs1600.00
 Upto Rs.50.00 Lakhs2200.00
 Above Rs.50.00 Lakhs3500.00
7Advances : 
7.1Loan
Application Form
NIL
7.2Processing Charges (For
New & Enhancement Proposals)
 
 Processing Charges are to
be collected in advance at following rates
 
 Amount of Proposal 
 Upto Rs.25000/-100.00
 Above Rs.25000/- up to
Rs.50000/-
200.00
 Above Rs.50000/- up to
Rs.100000/-
500.00
 Above Rs.100000/-0.5% of
the Loan/ OD Amt.
 Renewal of OD above Rs.100000/-75% of the normal 
  Processing Charges
 No Processing Charges are to be collected for advacnes
against bank’s own deposits
7.3Delivery / Pledge of LIC/
NSC etc.:
 
 Per delivery / pledge/ assignment/ reassignmentRs.25.00 per Instrument             
 Out of pocket expenses are to be collected extra. 
7.4Replacement of Shares
& Securities / Service charges 
Actual
Charges to be
 for replacement of Shares:collected
7.5Service Charges on Vehicle
Loans:
 
 Service Charges on Vehicle
Loans to be collected as 
 
 follows 
 Hypothecation of VehicleRs.100.00
 Permit Renewal letterRs.100.00
 Insurance RenewalRs.100.00
7.6Inspection ChargesActual Expenses to be 
  collected from the Borrower
7.7Godown Inspection Charges: 
 LimitCharges in Rs.
 Up to 2.00 Lakhs250.00
 Up to 5.00 Lakhs300.00
 Up to 10.00 Lakhs450.00
 Up to 20.00 Lakhs600.00
 Up to 50.00 Lakhs800.00
 Above Rs.50.00 Lakhs1200.00
 (Actual Outstation Travel
Charges extra)
 
8Bank
Guarantees:
 
8.1Charges for Bank Guarantees are as follows :  
 Secured by Bank’s own deposit0.75% 
p.a.
 Secured by other assets2.50% Per Annum
 Unsecured Protion3.00% Per Annum
 These Charges are to be
collected in advance in addition to Rs.200/- as fixed service charges.
 
8.2Extension of Bank
Guarantee:
 
 Fixed Service Charges of Rs.100/- per extension
in 
Rs.100.00
 addition to the p.a.charges as above. 
 All out of Pocket expenses are to be collected in
addition to the above.
 
9Tax
Payments:
Rs.300.00
per party PA
10Cash
Handling charges : (CA / OD Accounts)
 
10.1Cash
Deposit Charges
0.10%
deposit on when cash 
  deposited exceed Rs.1.50
  Lakhs per day.
10.2Cash WithdrawalRs.150000/- and above to be
  charged @0.10% 
on amount.
  of withdrawal
11Charges for NEFT & RTGS as per RBI Circulars:
MAXIMUM CHARGES
 
 Up to Rs.10,000/-Rs.2/- +
GST
 Rs.10001/-  to 
Rs.99999/-
Rs.5/- +
GST
 Rs.100000/- to Rs.199999/-Rs.15/- +
GST
 Rs.200000/- to Rs.499999/-Rs.25/- +
GST
 Rs.5.00 Lakhs & aboveRs.50/- +
GST
 No Charges for Jain Gold
Savings Account & Jain Gold Current Account.
 
12SMS Charges 
 SAVINGS / CURRENT / OVERDRAFTRs.0.30 per 
SMS subject
  to Maximum of Rs.100/-
  qaurterly. 
No recovery 
  if calculated charges are
  below Rs.1/-
13PENALTY FOR PREPAYMENT OF
LOAN
1% of loan outstanding
in 
  case of prepayment of loan
  for fixed rate of
Interest 
 NOTE :  Above Charges are exclusive of GST. 

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