ATMs & Banking Centers
  
Home Service Charges

Current service charges
Sr.No. Particulars Account Type Charges
1 Core Banking / Intersol Saving Cash Transactions upto Rs. 100000- free per day(Clubbed limit) above Rs.100000 Rs.2 per thousand Maximum Rs.1000
    Current Cash Transactions Up to Rs.200000 Free. Above Rs.200000 free per day (Clubbed limit) Rs.2 per thousand. Maximum Rs.2000
2 Cheque Book All Saving Accounts 2 Cheque Books of 20 Leaves Free in financial year and thereafter Rs. 2.50 per cheque leaf
    All Current / Cash Credit / Overdraft accounts Rs. 3 per cheque leaf
3 a. Demand Draft (IDBI Bank, HDFC Bank, ICICI Bank, AXIS Bank) SB,CA & Other Rs.1 to Rs.5000 = Rs.20 Rs.5001 to Rs.10000 = Rs.30 Above Rs.10000 Rs.3.00 per thousand Maximum Rs.15000
  b. Demand Draft ( Bank of Maharashtra ) SB,CA & Other Rs.1 to Rs.2500 = Rs.10 Above Rs.2500 =Commission Rs.2 per thousand Maximum Rs.3000
4 Payslip SB,CA & Other Rs.1 to Rs.1000 = Rs.20 Above Rs.1000 = Rs.3.00 per thousand Maximum Rs. 15000
5 Duplicate DD/ PO SB,CA & Other Rs.50 per instrument
6 Revalidation DD/ PO SB,CA & Other Rs.50 per instrument
7 Cancellation DD/PO SB,CA & Other Rs.50 per instrument
8 RTGS SB,CA & Other Up to Rs.2.00 lac Free Rs. 2.00 lakh to Rs. 5.00 lakh Rs.25 Above Rs.5.00 lakh Rs.50
9 NEFT SB,CA & Other Upto Rs. 10,000 - Rs.2.50. From Rs.10,001 to Rs. 1.00 lakh- Rs. 5. From Rs. 1.00 lakh to Rs. 2.00 lakhs - Rs. 15. Above Rs. 2.00 lakh - Rs. 25
10 ATM Card SB,CA & Other Free
11 Visa Debit Card SB,CA & Other Debit Card Issuance Free & Annual fee Rs. 50 on card basis.
12 Service Charges for Outstation Cheque Collection (IBC / OBC)
Amount Savings a/c Others a/c
Upto Rs. 5000/- Rs. 25/- +S.Tax Rs. 25/- +S.Tax
Rs.5001/- to Rs.10000/- Rs. 50/- +S.Tax Rs. 50/- +S.Tax
Rs.10001/- to Rs.100000/- Rs. 100/- +S.Tax Rs. 150/- +S.Tax
Rs.100001/- to Rs.1000000/- Rs. 150/- +S.Tax Rs. 250/- +S.Tax
Rs.1000001/- to Rs.5000000/- Rs. 250/- +S.Tax Rs. 500/- +S.Tax
Rs. 5000001/- to Rs. 10000000/- Rs. 300/- +S.Tax Rs. 1000/- +S.Tax
Rs. 10000001/- and Above Rs. 500/- +S.Tax Rs. 1500/- +S.Tax
13 No due certificate SB,CA & Other Free
14 Cheque Return outward SB,CA & Other Rs. 100/- per instrument
15 Cheque Return Inward SB,CA & Other up to Rs.10000 - Rs.100 above Rs. 10000- Rs.100+ Rs. 1.50 per thousand Maximum Rs. 1000/- per instrument
16 Account Closure Charges Saving Closed within 1 Year - Rs. 200/- & Closed within 3 Years Rs. 100/-
    Current Closed within 1 Year - Rs. 300/- & Closed within 3 Years Rs. 200/-
17 Minimum Balance
Particulars Balance Criteria Penalty for not maintenance of prescribed minimum balance
Regular Saving Account Rs. 1000/- Rs. 150/-
Cosmos Premium Saving Account Rs.10000/- Rs. 500/-
NRE/NRO Saving Account Rs. 1500/- Rs. 150/-
Regular Current Account Rs. 5000/- Rs. 500/-
NRE Current Account Rs. 1500/- Rs. 500/-
Cosmo Premium Current Account Rs. 20000/- Rs. 1000/-
Cosmo Premium Plus Current Account Rs. 50000/- Rs. 2000/-
Non Scheduled UCBs Current Account Rs. 2.5 lac Rs. 500/-
18 Duplicate Passbook Saving Rs. 50/-
19 SMS Banking SB, CA & other Free
20 Easy Pay Facility / Bill Payment Facility SB, CA & other Free
21 Multicity Cheque Passing Charge SB, CA & other Rs.1.00 per thousand ,Maximum Rs.100.00
22 Stop Payment SB, CA & other Rs.25 per instruction
Revocation of Stop Payment - Rs.25 per instruction
23 ECS Debit Return SB, CA & other up to Rs.10000 - Rs.100
above Rs.10000 - Rs.100 + Rs.1.50 per thousand
Maximum Rs. 1000/- per instrument
24 Counter Cheque Return SB, CA & other Rs.50 per instrument
25 Unused Chequebook SB Rs. 5 per cheque leaf
    CA & other Rs. 5 per cheque leaf
26 Lost Token Charges SB, CA & other Rs.50 per token
27 Change of Nomination SB, FD & other Free
28 Signature Verification SB, CA & other Rs.50 per attestation
29 Solvency Certificate SB, CA & other Up to Rs.1.00 lakh - Rs.500
Above Rs.1.00 lakh to Rs.5.00 lakh - Rs. 700
Above Rs.5.00 lakh - Rs.1000
Rs.100 per additional copy.
30 Balance Certificate SB,CA & other Free
31 Ledger Fee CA/OD/CC Rs.200.00 per Year
32 E-Mail Statement through Mail CA & other Free
33 Duplicate Statement Charges CA & other Rs.25
34 Cash Deposit Charges
Premium Current Accounts (Per day Clubbed limit) Upto Rs. 3.00 Lac - Free Above Rs. 3.00 Lac Rs. 1.50 per thousand
Premium Plus Current Accounts (Per day Clubbed limit) Upto Rs. 5.00 Lac - Free Above Rs. 5.00 Lac Rs. 1.50 per thousand
34a UCB Current Account Charges
Current accounts of Nonscheduled UCBs & Credit Co-operative Societies Per day Clubbed limit - Up to Rs. 5.00Lac – Free Above Rs. 5.00 Lac –Rs.1.50 per thousand
All Deposit related overdraft accounts
35 BP SB, CA & other at rate 18% for actual no. of days
36 Setting up Standing Instructions SB, CA & other Rs. 50/- per SI (Excluding SI for Loan & Recurring Accounts)
37 DD Stop Payment Charges-
1. Bank of Maharashtra
2. HDFC Bank
3. Axis Bank
4. ICICI Bank
5. IDBI Bank
SB, CA & other Rs. 100/- for stop payment of all the Banks DDs.
38 Outstation Cheque Return Charges in case of-
38a Cheque directly presented to the drawer Bank (i.e. where bank is not having its own branch as well as HDFC does not have location for OBC collection) SB, CA & other Rs. 100 per instrument + Postage / Courier charges + VPL charges
38b Cheque presented through the branches where the Bank is having its own Branches SB, CA & other Rs. 100/- per instrument
38c Cheque return under HDFC Collection Scheme SB, CA & other Rs. 100/- per instrument
39 Cosmo Quick Pay Facility / Bill Payment facility SB, CA & other Free
40 Personalised Cheque Book SB, CA & other Rs. 3.00 per cheque leaf
41 DD/Payslip issued for loan disbursement CA & other Rs. 50/-

Charges to be paid by the customer for all categories of loan products

A) Commercial loans :-
Sr.No. Particulars Charges to be paid
1 Process Charges & Agreement charges Process fee and Agreement fee together will be applicable @ 0.50% of loan demand. Maximum cap - Rs.10,00,000/- Upto Rs.1.00 CRs.Rs.10,000/- Above Rs.1.00 CRs.Rs.25,000/- (It is a part of process fee and it is non refundable)
2 Membership fees:
N.M entrance fee
Nominal Member fee
Member entrance fee
Rs.100/-
Rs.100/- p.a
Rs.200/- p.a
3 Visit Fee:
Upto Rs.1.00 Lacs
Rs.1.00 to Rs.5.00 Lacs
Rs.5.00 Lacs & above

Rs.100/-
Rs.Above Rs.1.00 lacs to Rs.25.00 lacs - Rs.500 /-
Rs.Above Rs.25.00 lacs - Rs.1000/-
4 Share Money 1% of loan amount or Rs. 1.00 lac or which ever is lower & remaining amount to complete 1% holding or Rs. 9.00 lacs which ever is lower in FDR form
5 Stamp Duty Applicable as per Govt.rules and regulation.
6 Foreclosure charges on the outstanding loan amount, if loan is taken over by other bank. a) If the loan account is closed within 12 months from the date of loan disbursement - 3%
b) If the account is foreclosed after 12 months but before 24 months from the date of loan disbursement - 2 %
c) If loan is foreclosed after 24 months from the date of loan disbursement – 1%
     

B) Charges to be paid by the customer for Housing Loans:
Sr.No. Particulars Charges to be paid
1 Process Charges Upto Rs.25.00 lacs - Rs.3000/-
Above Rs.25.00 lacs to 50.00 lacs - Rs.5000 /-
2 Membership fees:
N.M entrance fee
Nominal Member fee
Member entrance fee
Rs.100/- p.a
Rs.100/- p.a
Rs.200/- p.a
3 Visit Fee:
Upto Rs.1.00 Lacs
Rs.1.00 to Rs.5.00 Lacs
Rs.5.00 Lacs & above
Rs.50/-
Rs.75/-
Rs.300/-
4 Share Money 1% of loan amount or Rs. 1.00 lac or which ever is lower & remaining amount to complete 1% holding or Rs. 9.00 lacs which ever is lower in FDR form
5 Stamp Duty Applicable as per Govt.rules and regulation.
6 Prepayment charges Nil
7 Foreclosure charges on outstanding amount. In Floating Home Loan :- No foreclosure charges will be applicable for Home Loan at floating ROI.
In Fixed ROI Home Loan :- 1% on loan outstanding balance will be applicable, if account is foreclosed before completion of three years. After completion of three years foreclosure charges will not be applicable.
In Group Housing Loan:- 2 % in first 4 years & then @ 1 % in remaining 11 years - If forecloses the account by way of takeover.
In Group Home Loan if the borrower close the account from own source within first four years, 2% pre-closure charges are applicable.

C) Charges to be paid by the customer for Vehicle Loans:
Sr.No. Particulars Charges to be paid
1 Process Charges Two & three wheeler:0.20% of sanction limit Minimum Rs.100/-
Four Wheeler: 0.20% of sanction limit Minimum Rs.200/-
 
2 Membership fees:
N.M entrance fee
Nominal Member fee
Member entrance fee
Rs.100/-
Rs.100/- p.a
Rs.200/- p.a
3 Visit Fee:
Upto Rs.1.00 Lacs
Rs.1.00 to Rs.5.00 Lacs
Rs.5.00 Lacs & above
Rs.50/-
Rs.75/-
Rs.300/- maximum Rs.300/-
4 Agreement Charges Two & three wheeler:0.20% of sanction limit Minimum Rs.100/-
Four Wheeler: 0.20% of sanction limit Minimum Rs.200/-
5 Share Money 1% of loan amount or Rs. 1.00 lac or which ever is lower & remaining amount to complete 1% holding or Rs. 9.00 lacs which ever is lower in FDR form
6 Stamp Duty Applicable as per Govt.rules and regulation.

D) Surety Loan / Cosmo - Credit :
Sr.No. Particulars Charges to be paid
1 Process Charges 0.20% of sanction limit Minimum Rs.100/-
2 Visit Fee Rs.50/-
3 Agreement Charges 0.20% of sanction limit Minimum Rs.100/-
4 Share Money 5% of loan amount to be held by the borrower

E) Emergency Loan And Member Education Child (Sabhasad Palya)
Sr.No. Particulars Charges to be paid
1 Process Charges Rs. 15/-
2 Visit Fee Nil
3 Agreement Charges Nil
4 Share Money Nil

F) Gold Loan
Sr.No. Particulars Charges to be paid
1 Process Charges 0.20% of sanction limit Minimum Rs.100/-
2 Visit Fee Nil
3 Agreement Charges 0.20% of sanction limit Minimum Rs.100/-
4 Share Money 1% of loan amount or Rs. 1.00 lac or which ever is lower & remaining amount to complete 1% holding or Rs. 9.00 lacs which ever is lower in FDR form

G) Share O.D.
Sr.No. Particulars Charges to be paid
1 Additional Shares Upto Rs. 1 lacs - Nil,
Above Rs. 1.00 lacs - 1 % on loan amount sanctioned ,
Rs.2000/- in shares & remaining amount in share linked deposit.
2 Visit Fee Nil
3 Agreement Charges Upto Rs. 5.00 lacs - Rs. 200/-
Above Rs.5 lacs - Rs. 500 /-
4 Valuation charges Upto Rs. 1 lacs Rs. 200 /-
For Rs.1.00 To Rs.10.00 lacs Rs.500 /-
5 Process Charges 0.20% of sanction limit Minimum Rs.100/-

H) NSC/ LIC Overdraft
Particulars Charges to be paid
Agreement Charges Rs.100 /- per agreement

Particulars Charges to be paid
Agreement Charges for the schemes,education loan,mortgage loan,cosmo medical loan , cosmos women loan , cosmos krishi finance , SME loan scheme, cosmo working capital loan scheme 0.20% of sanction limit Minimum Rs.100/-

Particulars Charges to be paid
Process Charges for the schemes,education loan,mortgage loan,cosmo medical loan , cosmos women loan , cosmos krishi finance , SME loan scheme, cosmo working capital loan scheme 0.20% of sanction limit Minimum Rs.100/-

For All Types of loans
Sr.No. Particulars Charges to be paid
1 Charges release letter in case of duplicate Rs. 100 /- per duplicate charge release document.
2 Pledge Charges Rs.100 /- per godown receipt / release form + vehicle expenses at actual.
3 Change in quotation /security/ extension in moratorium period etc. 50 % of process fee
 * Service Tax is applicable wherever necessary

Details Charges
NONFUNDINGLIMITS  
1. Bank Guarantee Commission - To be charged on upfront basis
Bank Guarantee issued by Cosmos Bank
Financial Guarantee 2 % p.a. + S.T.
Performance Guarantee 2 % p.a. + S.T.
Bank Guarantee issued by Bank of Maharashtra
Performance Guarantee & 2 % p.a minimum of 2 quarters including S.T. + Process charges Rs.250/-
Financial Guarantee 2 % p.a minimum of including S.T.+ Process charges Rs.250/-
Bank guarantee issued bv IDBI
Performance Guarantee 3 % p.a. +S.T. +Process charges Rs.200 1- Minimum Rs. 1250/-
Financial Guarantee 3 % p.a. +S.T. + Process charges Rs.2001- Minimum Rs. 1250/-
Bank guarantee issued by Bank of India
Performance Guarantee 2 % p.a. + S.T. min.2 quarters
Financial Guarantee 2 % p.a. + S.T. min.2 Iquarters
2. Bank Guarantee Amendment Charges Rs.300/- per Amendment
3. Bank Guarantee Extension Charges 2 % p.a. + S.T.
4. Letter of Credit - Commission to be charged on upfront basis
Letter of credit issued bv Cosmos Bank
Inland LC commission 0.60 % per quarter + S.T.
Letter of credit issued by Bank of Maharashtra
Inland LC commission 0.83 % per quarter + S.T. Minimum Rs.150/- (Usance 0.55% + Commitment 0.28%)
Letter of credit issued bv IDBI
Inland LC commission 0.75 % per quarter + S.T. (Usance 0.50% + Commitment 0.25%)
Letter of credit issued by Bank Of India
Inland LC commission 0.82 % per quarter + S.T. (Usance 0.52% + Commitment 0.30%)
5. Charges for Inland L.C retirement
Letter of credit issued by Cosmos Bank 0.25% on every bill amount retired unde LC
Letter of credit issued by Bank of Maharashtra 0.25% on every bill retired under L.C
Letter of credit issued by IDBI 0.25% on every bill retired under L.C
Letter of credit issued by Bank Of India 0.30% on every bill retired under L.C with minimum of Rs. 135/-
6. Letter of Credit Amendment Charges Rs.300/- per Amendment. For any change in last date of dispatch & negotiation - Rs.300/- per Amendment OR 0.60% per quarter + S.T. , whichever is higher. [Period should be rounded off to complete month]
7. Extension in Dispatch & usance period * As per above rates for the extended period.
8. Bills under L.C. documents sent for 0.40 % of the bill value + S.T to be charged after realization + courier charges on actual. Maximum Rs.lO,OOO/-
9. Process charges for LC Discounting 0.40 % of the bill value + S.T to be charged after realization + courier charges on actual. Maximum Rs.lO,OOO/-
LC of our Bank  
LC of other Bank  
10. Process charges for Buyer's credit -
Process charges for buyer's credit roll over 50% of process fee
 * Service Tax is applicable wherever necessary

Charges For Visa / Proprietory ATM Card
Sr.No. Particulars Rate Period
1 Proprietory ATM Card Issue charges Free  
2 Visa Card Issue charges Free  
3 Proprietory Card Yearly Charges Nil Nil
4 Visa Debit Card Rs.50/- + Sr. Tax. Yearly
5 Lost Card Rs.50/- + Sr. Tax. Per Card
6 Pin Regeneration Rs.50/- + Sr. Tax. Per Pin
7 ATM Transactions by our card holder on other bank ATMs- Savings Account First Five Transactions including Financial and Non financial are Free Per Month. From 6th transaction charges as below.    
7-a Non-Financial- ATM Transactions – Savings Account Balance Inquiry Rs.8/- Per Tran
7-b Financial ATM Transaction- Savings Account Cash Withdrawal Rs.20/- Per Tran
8 ATM Transactions by our card holder on other bank ATMs- Current Account including All Financial and Non financial transactions are chargeable From 1st transaction charges as below.    
8-a Non Financial ATM Transaction – Current Account Balance Inquiry Rs.8/- Per Tran
8-b Financial ATM Transaction- Current Account Cash Withdrawal Rs.20/- Per Tran
9 Value Added Service- Pin Change and Mini Stmt - On other banks ATM, every transaction is chargeble for every cardholder. Rs.8/- + Sr. Tax Per Tran
10 POS (Point of Sale) Transactions- Domestic    
  Visa Surcharge on transactios for Fuel and Gold, Silver etc. Hotel Tips if any paid by the customers are recovered by the bank from the customer account. Rs.10/- or 2.5% of transaction amount whichever is higher,TIPS for hotel bills Per Tran
11 ATM Transaction- International    
  Charges are depend upon country / Visa Region rules.    
11-a Minimum Charges per Cash Withdrawal USD 1.25 or USD 1.75 + 1% of transaction amount Per Tran
11-b Balance Inquiry USD 0.30 Per Tran
11-c Failure of Balance Inquiry USD 0.30 Per Tran
12 POS (Point of Sale) Transactions-International    
  Charges are depend upon country / Visa Region rules. Minimum @ 1% of transaction amount Per Tran