Service Charges

Saving Account Schemes Service charges Revision w.e.f 25.08.2017

Sr. No	Particulars	Regular Saving Account	Premium Saving Account	Premium Plus Saving Account	Royale Saving Account
1	Minimum balance	AQB – Rs. 1000/-	AQB Rs.10,000/-	AQB – Rs.25,000/-	AQB – Rs.100,000/-
2	Penalty for non maintainence of Minimum Balance	Rs. 200/- per Quarter	Rs. 650/-	Rs. 800/-	Rs. 1000/-
3	Core Banking / Intersol	Deposit – Cash Deposit upto Rs. 100000- free per day (Clubbed limit) above Rs.100000 Rs.2 per thousand Maximum Rs.1000 Withdrawal (per day) – Cash – Withdrawal free upto 25,000/-, thereafter Rs. 2 per thousand. Clearing & Transfer – No limit	Deposit – Free Withdrawal (per day) – Cash – Withdrawal free upto Rs. 1 Lac, thereafter Rs. 2 per thousand. Clearing & Transfer – No limit	Free	Free
4	Cash Deposit Charges	Free	Free	Free	Free
5	Cheque Book	2 Cheque Books of 20 Leaves Free in financial year and thereafter Rs. 3.00 per cheque leaf	First 100 cheque leaves free per F.Y; thereafter Rs.3/- per cheque leaf	First 200 cheque leaves free per F.Y; thereafter Rs.3/- per cheque leaf	First 500 cheque leaves free per F.Y; thereafter Rs.3/- per cheque leaf
6	Demand Draft – IDBI, HDFC, ICICI, AXIS	Re.1 to Rs.5000 = Rs.25 Rs.5001 to Rs.10000 = Rs.35 Above Rs.10000 Rs.4.00 per thousand Maximum Rs.15000	Unlimited Free	Unlimited Free	Unlimited Free
7	Payslip	Re.1 to Rs.1000 = Rs.25 Above Rs.1000 = Rs.4.00 per thousand Maximum Rs.15000	Unlimited Free	Unlimited Free	Unlimited Free
8	RTGS (w.e.f 01.07.19)	Rs.2 Lakh – Rs.5 Lakh= Rs.25/- Above Rs. 5 Lakh = Rs.50/- No time varying charges	Free	Free	Free
9	NEFT (w.e.f 01.07.19)	Upto Rs. 1.00 lakh- Free Above Rs. 1.00 lakh to Rs. 2.00 lakh= Rs. 10 Above Rs. 2.00 lakh- Rs. 15	Free	Free	Free
10	DD/Payslip issued for loan disbursement	Rs. 100 per instrument	Rs. 100 per instrument	Rs. 100 per instrument	Rs. 100 per instrument
11	Duplicate DD/ PO	Rs.100 per instrument	Rs.100 per instrument	Rs.100 per instrument	Rs.100 per instrument
12	Revalidation DD/ PO	Rs.100 per instrument	Rs.100 per instrument	Rs.100 per instrument	Rs.100 per instrument
13	Cancellation DD/PO	Rs.100 per instrument	Rs.100 per instrument	Rs.100 per instrument	Rs.100 per instrument
14	Internet / Mobile Banking	Free	Free	Free	Free
15	SMS Banking	Rs. 25/- per quarter applicable to all account related transactions	Free	Free	Free
16	Quick Pay Facility / Bill Payment facility	Free	Free	Free	Free
17	Duplicate Passbook	Rs.50/-	Free	Free	Free
18	Statement to Saving Accountholders	Minimum 50 upto 10 pages thereafter Rs.5/- per page	Minimum 50 upto 10pages thereafter Rs.5/- per page	Minimum 50 upto 10pages thereafter Rs.5/- per page	Minimum 50 upto 10pages thereafter Rs.5/- per page
19	Cheque Return Inward	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument
20	Cheque Return Outward	Rs. 100/- per instrument	Rs. 100/- per instrument	Rs. 100/- per instrument	Rs. 100/- per instrument
21	Stop Payment	Rs.100/- per instrument Series of cheque leaves – Rs.500/- Revocation of Stop Payment – Rs.100 per instruction.	Rs.100/- per instrument Series of cheque leaves – Rs.500/- Revocation of Stop Payment – Rs.100 per instruction.	Free	Free
22	ECS Debit Return	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument
23	Counter Cheque Return	Rs.100 per instrument	Rs.100 per instrument	Rs.100 per instrument	Rs.100 per instrument
24	Account Closure Charges	Upto 14 days – Nil 15 days to less than 6 months – Rs. 250/- Upto 1 Year – Rs. 150/-	Upto 14 days – Nil 15 days to less than 6 months – Rs. 250/- Upto 1 Year – Rs. 150/-	Upto 14 days – Nil 15 days to less than 6 months – Rs. 250/- Upto 1 Year – Rs. 150/-	Upto 14 days – Nil 15 days to less than 6 months – Rs. 250/- Upto 1 Year – Rs. 150/-
25	Unused Chequebook	Rs.3 per cheque leaf	Rs.3 per cheque leaf	Rs.3 per cheque leaf	Rs.3 per cheque leaf
26	Lost token Charges	Rs. 500/- per token	Rs. 500/- per token	Rs. 500/- per token	Rs. 500/- per token
27	Change of nomination	Free	Free	Free	Free
28	Signature / Photo/ Address Verification	Rs.100/- per attestation	Rs.100/- per attestation	Rs.100/- per attestation	Rs.100/- per attestation
29	Solvency Certificate	For Education Loan – Rs. 1000/- for 1st Copy & Rs. 100/- per copy for rest of originals. For Other Purpose – Rs. 250/- per lac, Min. Rs. 750/- Maximum cap on Solvency charges – Rs. 25000/-	For Education Loan – Rs. 1000/- for 1st Copy & Rs. 100/- per copy for rest of originals. For Other Purpose – Rs. 250/- per lac, Min. Rs. 750/- Maximum cap on Solvency charges – Rs. 25000/-	For Education Loan – Rs. 1000/- for 1st Copy & Rs. 100/- per copy for rest of originals. For Other Purpose – Rs. 250/- per lac, Min. Rs. 750/- Maximum cap on Solvency charges – Rs. 25000/-	For Education Loan – Rs. 1000/- for 1st Copy & Rs. 100/- per copy for rest of originals. For Other Purpose – Rs. 250/- per lac, Min. Rs. 750/- Maximum cap on Solvency charges – Rs. 25000/-
30	Balance Certificate	Current year free, Previous year charges Rs. 100/- per certificate	Current year free, Previous year charges Rs. 100/- per certificate	Current year free, Previous year charges Rs. 100/- per certificate	Current year free, Previous year charges Rs. 100/- per certificate
31	Issue of certificates such as NOC, No dues, maintaining accounts, interest certificate, cheque honoured	No dues & Interest Certificate – Free Other Certificates – Rs. 100/-	No dues & Interest Certificate – Free Other Certificates – Rs. 100/-	No dues & Interest Certificate – Free Other Certificates – Rs. 100/-	No dues & Interest Certificate – Free Other Certificates – Rs. 100/-
32	Enquiries of old Transactions	Upto 1 year Free Above 1 year – Rs. 200/-	Upto 1 year Free Above 1 year – Rs. 200/-	Upto 1 year Free Above 1 year – Rs. 200/-	Upto 1 year Free Above 1 year – Rs. 200/-
33	Setting up of Standing Instructions	Intra Bank– Free Inter Bank (Other than ECS Debit, FD interest credit to other Bank) – Rs. 100/-	Intra Bank– Free Inter Bank (Other than ECS Debit, FD interest credit to other Bank) – Rs. 100/-	Intra Bank– Free Inter Bank (Other than ECS Debit, FD interest credit to other Bank) – Rs. 100/-	Intra Bank– Free Inter Bank (Other than ECS Debit, FD interest credit to other Bank) – Rs. 100/-
34	DD Stop Payment Charges – 1. Bank of Maharashtra 2. HDFC Bank 3. Axis Bank 4. ICICI Bank 5. IDBI Bank	Rs. 100/- for stop payment of all the Banks DDs.	Rs. 100/- for stop payment of all the Banks DDs.	Free	Free
35	Outstation Cheque Return Charges	Rs. 100 per instrument + Postage/ Courier charges + VPL Charges	Rs. 100 per instrument + Postage/ Courier charges + VPL Charges	Rs. 100 per instrument + Postage/ Courier charges + VPL Charges	Rs. 100 per instrument + Postage/ Courier charges + VPL Charges
36	Demat Account AMC	Regular Charges	Regular Charges	Regular Charges	First Year AMC Free
37	Flexi-fixed Deposit Scheme	N.A	FFD Scheme available With min. bal of Rs.10000 remaining amount will be transferred to FFD in multiples of Rs. 5000	FFD Scheme available With min. bal of Rs.25000 remaining amount will be transferred to FFD in multiples of Rs. 10000	FFD Scheme available With min. bal of Rs.100,000 remaining amount will be transferred to FFD in multiples of Rs. 10000

New Additional Service Charges

1	Outstation cheque collection (inward/ outward)	Upto Rs.5000/- Rs25/- above Rs. 5000 & upto Rs.10000/- Rs 50/- above Rs.10000 & upto Rs. 1.00 Lacs – Rs 100/- Above Rs. 1.00 Lac – Rs 150/-	Upto Rs.5000/- Rs25/- above Rs. 5000 & upto Rs.10000/- Rs 50/- above Rs.10000 & upto Rs. 1.00 Lacs – Rs 100/- Above Rs. 1.00 Lac – Rs 150/-	Upto Rs.5000/- Rs25/- above Rs. 5000 & upto Rs.10000/- Rs 50/- above Rs.10000 & upto Rs. 1.00 Lacs – Rs 100/- Above Rs. 1.00 Lac – Rs 150/-	Upto Rs.5000/- Rs25/- above Rs. 5000 & upto Rs.10000/- Rs 50/- above Rs.10000 & upto Rs. 1.00 Lacs – Rs 100/- Above Rs. 1.00 Lac – Rs 150/-
2	Matured FD remittance by DD/PO/RTGS/NEFT or any other way	At actuals	At actuals	At actuals	At actuals
3	Duplicate FDR	Rs. 25/- per instrument	Rs. 25/- per instrument	Rs. 25/- per instrument	Rs. 25/- per instrument
4	Non collection of cheque books upto 3 months	Rs. 25/-	Rs. 25/-	Rs. 25/-	Rs. 25/-
5	Allowing operations through power of attorney/ Mandate	Rs. 100/- per request	Rs. 100/- per request	Rs. 100/- per request	Rs. 100/- per request
6	Change of accountname / holder	Rs. 50/-	Rs. 50/-	Rs. 50/-	Rs. 50/-
7	Recoed copy of cheque per instance	Rs. 25/- per instrument	Rs. 25/- per instrument	Rs. 25/- per instrument	Rs. 25/- per instrument
8	Original cheuqe from Go-down OEC	Normal delivery Rs. 50/- per carton and Rs. 250/- per trip Express Delivery Rs. 75/- per carton and Rs. 500/- per trip	Normal delivery Rs. 50/- per carton and Rs. 250/- per trip Express Delivery Rs. 75/- per carton and Rs. 500/- per trip	Normal delivery Rs. 50/- per carton and Rs. 250/- per trip Express Delivery Rs. 75/- per carton and Rs. 500/- per trip	Normal delivery Rs. 50/- per carton and Rs. 250/- per trip Express Delivery Rs. 75/- per carton and Rs. 500/- per trip
9	NACH mandate registration	Rs. 10/- per utility registration	Rs. 10/- per utility registration	Rs. 10/- per utility registration	Rs. 10/- per utility registration
10	NACH mandate processing	Rs. 2 per mandate per person	Rs. 2 per mandate per person	Rs. 2 per mandate per person	Rs. 2 per mandate per person
11	Locker rent overdue charges	Rs. 100/- per pending month	Rs. 100/- per pending month	Rs. 100/- per pending month	Rs. 100/- per pending month
12	Scan Copy of CTS Cheque Image ( I/W & O/W ) NACH,BFL & BHFL Mandate	Up to 3 Month Rs.50 + GST Thereafter Rs.100 + GST	Up to 3 Month Rs.50 + GST Thereafter Rs.100 + GST	Up to 3 Month Rs.50 + GST Thereafter Rs.100 + GST	Up to 3 Month Rs.50 + GST Thereafter Rs.100 + GST
13	MMS Charges (Mandate Management Charges)	For Inward Mandates Rs.100 for signature verification and for registration. For Outward Mandate other than Cosmos customer registration Rs.200/ with GST – an each transaction Fees Rs.5/-And outward transaction return charges Rs.100/- with GST. For Utility code registration Rs.500/- with GST	For Inward Mandates Rs.100 for signature verification and for registration. For Outward Mandate other than Cosmos customer registration Rs.200/ with GST – an each transaction Fees Rs.5/-And outward transaction return charges Rs.100/- with GST. For Utility code registration Rs.500/- with GST	For Inward Mandates Rs.100 for signature verification and for registration. For Outward Mandate other than Cosmos customer registration Rs.200/ with GST – an each transaction Fees Rs.5/-And outward transaction return charges Rs.100/- with GST. For Utility code registration Rs.500/- with GST	For Inward Mandates Rs.100 for signature verification and for registration. For Outward Mandate other than Cosmos customer registration Rs.200/ with GST – an each transaction Fees Rs.5/-And outward transaction return charges Rs.100/- with GST. For Utility code registration Rs.500/- with GST
14	Salary Uploading charges	One time charges of Rs. 500/- with GST are recommended. Transaction cost each Rs.2/- for per transaction. Return transaction Rs.50/-with GST	One time charges of Rs. 500/- with GST are recommended. Transaction cost each Rs.2/- for per transaction. Return transaction Rs.50/-with GST	One time charges of Rs. 500/- with GST are recommended. Transaction cost each Rs.2/- for per transaction. Return transaction Rs.50/-with GST	One time charges of Rs. 500/- with GST are recommended. Transaction cost each Rs.2/- for per transaction. Return transaction Rs.50/-with GST
15	Setting up of Standing Instructions	Intra Bank – Free Inter Bank (Other than ECS Debit & FD interest credit) – Rs. 100/- one time charges to be levied for setting up of Standing instruction.	Intra Bank – Free Inter Bank (Other than ECS Debit & FD interest credit) – Rs. 100/- one time charges to be levied for setting up of Standing instruction.	Intra Bank – Free Inter Bank (Other than ECS Debit & FD interest credit) – Rs. 100/- one time charges to be levied for setting up of Standing instruction.	Intra Bank – Free Inter Bank (Other than ECS Debit & FD interest credit) – Rs. 100/- one time charges to be levied for setting up of Standing instruction.
16	Free other Bank ATM transactions, to customers of following branches, as On-site ATMs are not available at these branches presently. 1.Hosur 2.Coimbatore 3.Annanagar Chennai, 4.Madipakkam Chennai, 5.Veera Desai Andheri (West), 6.Paldi, 7.Zaveri Bazar 8. Matunga (E)	10 transactions free per month, thereafter regular charges will be applicable. Value added services – PIN changed, Mini statement on other Bank ATM will be chargeable from first transaction.	10 transactions free per month, thereafter regular charges will be applicable. Value added services – PIN changed, Mini statement on other Bank ATM will be chargeable from first transaction.	10 transactions free per month, thereafter regular charges will be applicable. Value added services – PIN changed, Mini statement on other Bank ATM will be chargeable from first transaction.	10 transactions free per month, thereafter regular charges will be applicable. Value added services – PIN changed, Mini statement on other Bank ATM will be chargeable from first transaction.

Important Notes –
* All the Service Charges are exclusive of taxes.
1.Issue of loose cheque leaves charges for Overdraft accounts are linked to regular cheque leaf charges
2.In case of Intersol Cash deposit, both Intersol & Cash deposit charges will be applicable.
3.Service charges applicable to Janasanchay Saving Account, Basic savings Bank Deposit Account (BSBDA), Jan Dhan Savings account, Cosmo Kidz Savings Account, Cosmo Youth, Regular Salary Account, Premium Salary Account are made at par with the regular Savings account for all the features other than scheme's exclusive features.
4.Penalty for non maintenance ofprescribed balance will be charged in proportion to the shortfall observed.

Current Account Schemes Service charges Revision w.e.f 25.08.2017

Sr.No	Particulars	Regular Current Account Charges	Premium Current Account	Premium Plus Current Account	Royale Current Account
1	Minimum Balance	AQB – Rs. 5000/-	AQB Rs.20,000/-	AQB – Rs.50,000/-	AQB – Rs. 2.50 Lacs
2	Penalty for non maintainence of Minimum Balance	Rs. 650/- per Quarter	Rs. 1250/- per Quarter	Rs. 2500/- per Quarter	Rs. 3000/- per Quarter
3	Core Banking / Intersol	Deposit – Cash Deposit Up to Rs.200000 Free. Above Rs.200000 free per day (Clubbed limit) Rs.2 per thousand. Maximum Rs.2000 Withdrawal (per day) – Cash – Withdrawal free upto 50,000/-, thereafter Rs. 2 per thousand. Clearing & Transfer – No limit	Deposit – Unlimited Free Withdrawal (per day) – Cash – Withdrawal free upto 50,000/-, thereafter Rs. 2 per thousand. Clearing & Transfer – No limit	Unlimited Free	Unlimited Free
4	Cash Deposit Charges	Cash Deposit Up to Rs.200000 Free. Above Rs.200000 free per day (Clubbed limit) Rs.2 per thousand. Maximum Rs.2000	Per day clubbed limit – Upto Rs. 5.00 Lacs – Free Above Rs. 5.00 Lacs – Rs.2.00 per thousand	Per day clubbed limit – Upto Rs. 5.00 Lacs – Free Above Rs. 5.00 Lacs – Rs.2.00 per thousand	Monthly Free cash deposit of Rs. 3.00 crores thereafter Rs. 2.00 per thousand
5	Cheque Book	Rs. 3.00 per cheque leaf	300 Cheque Leaves free per F.Y thereafter Rs. 3per cheque leaf	750 Cheque Leaves free per F.Y thereafter Rs. 3per cheque leaf	Unlimited Free
6	Demand Draft – IDBI, HDFC, ICICI, AXIS	Re.1 to Rs.5000 = Rs.25 Rs.5001 to Rs.10000 = Rs.35 Above Rs.10000 Rs.4.00 per thousand Maximum Rs.15000	Unlimited Free	Unlimited Free	Unlimited Free
7	Payslip	Re.1 to Rs.1000 = Rs.25 Above Rs.1000 = Rs.4.00 per thousand Maximum Rs.15000	Unlimited Free	Unlimited Free	Unlimited Free
8	Account Maintenance charges	Rs. 200 per year	Free	Free	Free
9	RTGS (w.e.f 01.07.19)	Rs.2 Lakh – Rs.5 Lakh= Rs.25/- Above Rs. 5 Lakh = Rs.50/- No time varying charges	Free	Free	Free
10	NEFT (w.e.f 01.07.19)	Upto Rs. 1.00 lakh- Free Above Rs. 1.00 lakh to Rs. 2.00 lakh= Rs. 10 Above Rs. 2.00 lakh- Rs. 15	Free	Free	Free
11	Stop Payment	Rs.100 per instruction Series of cheque leaves Rs. 500/- Revocation of Stop Payment – Rs.100 per instruction.	Rs.100 per instruction Series of cheque leaves Rs. 500/- Revocation of Stop Payment – Rs.100 per instruction.	Unlimited Free	Unlimited Free
12	Current Account Closure Charges	Upto 14 days – Nil 15 days to less than 6 months – Rs. 250/- Upto 1 Year – Rs. 150/-	Upto 14 days – Nil 15 days to less than 6 months – Rs. 350/- Upto 1 Year – Rs. 250/-	Upto 14 days – Nil 15 days to less than 6 months – Rs. 350/- Upto 1 Year – Rs. 250/-	Upto 14 days – Nil 15 days to less than 6 months – Rs. 500/- Upto 1 Year – Rs. 350/-
13	DD/Payslip issued for loan disbursement	Rs. 100 per instrument	Free	Free	Free
14	Duplicate DD/ PO	Rs. 100 per instrument	Rs.50 per instrument	Rs.50 per instrument	Rs.50 per instrument
15	Revalidation DD/ PO	Rs. 100 per instrument	Rs.50 per instrument	Rs.50 per instrument	Rs.50 per instrument
16	Cancellation DD/PO	Rs. 100 per instrument	Rs.50 per instrument	Rs.50 per instrument	Rs.50 per instrument
17	Internet / Mobile Banking	Free	Free	Free	Free
18	SMS Banking	Rs. 25/- per quarter applicable to all account related transactions	Rs. 25/- per quarter applicable to all account related transactions	Rs. 25/- per quarter applicable to all account related transactions	Rs. 25/- per quarter applicable to all account related transactions
19	Cosmo Quick Pay Facility / Bill Payment facility	Free	Free	Free	Free
20	E-mail Statement through Mail	Free	Free	Free	Free
21	Duplicate Statement Charges	Minimum 50 upto 10pages thereafter Rs.5/- per page	Minimum 50 upto 10pages thereafter Rs.5/- per page	Minimum 50 upto 10pages thereafter Rs.5/- per page	Minimum 50 upto 10pages thereafter Rs.5/- per page
22	Cheque Return Inward	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument
23	Cheque Return Outward	Rs. 100/- per instrument	Rs. 100/- per instrument	Rs. 100/- per instrument	Rs. 100/- per instrument
24	ECS Debit Return	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument	up to Rs.10000 – Rs.150 above Rs.10000 – Rs.150 + Rs.1.50 per thousand Maximum Rs. 1000/- per instrument
25	Counter Cheque Return	Rs. 100 per instrument	Rs. 100 per instrument	Rs. 100 per instrument	Rs. 100 per instrument
26	Unused Chequebook charges at the time of A/c closure	Rs.5 per cheque leaf	Rs.5 per cheque leaf	Rs.5 per cheque leaf	Free
27	Lost token Charges	Rs.500 per token	Rs.500 per token	Rs.500 per token	Rs.500 per token
28	Signature/ photo/ address Verification	Rs.100/- per attestation	Rs.100/- per attestation	Rs.100/- per attestation	Rs.100/- per attestation
29	Solvency Certificate	For Education Loan – Rs. 1000/- for 1st Copy & Rs. 100/- per copy for rest of originals. For Other Purpose – Rs. 250/- per lac, Min. Rs. 750/- Maximum cap on Solvency charges – Rs. 25000/-	For Education Loan – Rs. 1000/- for 1st Copy & Rs. 100/- per copy for rest of originals. For Other Purpose – Rs. 250/- per lac, Min. Rs. 750/- Maximum cap on Solvency charges – Rs. 25000/-	For Education Loan – Rs. 1000/- for 1st Copy & Rs. 100/- per copy for rest of originals. For Other Purpose – Rs. 250/- per lac, Min. Rs. 750/- Maximum cap on Solvency charges – Rs. 25000/-	For Education Loan – Rs. 1000/- for 1st Copy & Rs. 100/- per copy for rest of originals. For Other Purpose – Rs. 250/- per lac, Min. Rs. 750/- Maximum cap on Solvency charges – Rs. 25000/-
30	Balance Certificate	Current year free, Previous year charges Rs. 100/- per certificate	Current year free, Previous year charges Rs. 100/- per certificate	Current year free, Previous year charges Rs. 100/- per certificate	Current year free, Previous year charges Rs. 100/- per certificate
31	BP	at rate 18% for actual no.of days	at rate 18% for actual no.of days	at rate 18% for actual no.of days	at rate 18% for actual no.of days
32	Issue of certificates such as NOC, No dues, maintaining accounts, interest certificate, cheque honoured	No dues & Interest Certificate – Free Other Certificates – Rs. 100/-	No dues & Interest Certificate – Free Other Certificates – Rs. 100/-	No dues & Interest Certificate – Free Other Certificates – Rs. 100/-	No dues & Interest Certificate – Free Other Certificates – Rs. 100/-
33	Enquiries of old Transactions	Upto 1 year Free Above 1 year – Rs. 200/-	Upto 1 year Free Above 1 year – Rs. 200/-	Upto 1 year Free Above 1 year – Rs. 200/-	Upto 1 year Free Above 1 year – Rs. 200/-
34	Setting up of Standing Instructions	Intra Bank– Free Inter Bank (Other than ECS Debit, FD interest credit to other Bank) – Rs. 100/-	Intra Bank– Free Inter Bank (Other than ECS Debit, FD interest credit to other Bank) – Rs. 100/-	Intra Bank– Free Inter Bank (Other than ECS Debit, FD interest credit to other Bank) – Rs. 100/-	Intra Bank– Free Inter Bank (Other than ECS Debit, FD interest credit to other Bank) – Rs. 100/-
35	Stop Payment Charges for Demand Draft – 1. Bank of Maharashtra 2. HDFC Bank 3. Axis Bank 4. ICICI Bank 5. IDBI Bank	Rs. 100 for stop payment of all the Banks DDs.	Rs. 100 for stop payment of all the Banks DDs.	Free	Free
36	Outstation Cheque Return Charges in case of –	Rs. 100/- per instrument + Postage @ actuals	Rs. 100/- per instrument + Postage @ actuals	Rs. 100/- per instrument + Postage @ actuals	Rs. 100/- per instrument + Postage @ actuals
37	Demat Account AMC	Regular charges	Regular charges	Regular charges	First Year AMC Free
38	Flexi-fixed Deposit Scheme	FFD Scheme available With min. bal of Rs.300,000 remaining amount will be transferred to FFD in multiples of Rs. 50000	FFD Scheme available With min. bal of Rs.300,000 remaining amount will be transferred to FFD in multiples of Rs. 50000	FFD Scheme available With min. bal of Rs.300,000 remaining amount will be transferred to FFD in multiples of Rs.50000	FFD Scheme available With min. bal of Rs.10,00,000 remaining amount will be transferred to FFD in multiples of Rs. 50000

New Additional Service Charges

1	Outstation cheque collection (inward/ outward)	Upto Rs.5000/- Rs25/- above Rs. 5000 & upto Rs.10000/- Rs 50/- above Rs.10000 & upto Rs. 1.00 Lacs – Rs 100/- Above Rs. 1.00 Lac – Rs 150/-	Upto Rs.5000/- Rs25/- above Rs. 5000 & upto Rs.10000/- Rs 50/- above Rs.10000 & upto Rs. 1.00 Lacs – Rs 100/- Above Rs. 1.00 Lac – Rs 150/-	Upto Rs.5000/- Rs25/- above Rs. 5000 & upto Rs.10000/- Rs 50/- above Rs.10000 & upto Rs. 1.00 Lacs – Rs 100/- Above Rs. 1.00 Lac – Rs 150/-	Upto Rs.5000/- Rs25/- above Rs. 5000 & upto Rs.10000/- Rs 50/- above Rs.10000 & upto Rs. 1.00 Lacs – Rs 100/- Above Rs. 1.00 Lac – Rs 150/-
2	Matured FD remittance by DD/PO/RTGS/NEFT or any other way	At actuals	At actuals	At actuals	At actuals
3	Duplicate FDR	Rs. 25/- per instrument	Rs. 25/- per instrument	Rs. 25/- per instrument	Rs. 25/- per instrument
4	Non collection of cheque books upto 3 months	Rs. 25/-	Rs. 25/-	Rs. 25/-	Rs. 25/-
5	Allowing operations through power of attorney/ Mandate	Rs. 100/- per request	Rs. 100/- per request	Rs. 100/- per request	Rs. 100/- per request
6	Change of accountname / holder	Rs. 50/-	Rs. 50/-	Rs. 50/-	Rs. 50/-
7	Recoed copy of cheque per instance	Rs. 25/- per instrument	Rs. 25/- per instrument	Rs. 25/- per instrument	Rs. 25/- per instrument
8	Original cheuqe from Go-down OEC	Normal Delivery ( Within 24 hours ) Rs.50 per carton and Rs.250 Per trip. Express Delivery ( Same Day ) Rs.75 per carton and Rs.500 Per trip.	Normal Delivery ( Within 24 hours ) Rs.50 per carton and Rs.250 Per trip. Express Delivery ( Same Day ) Rs.75 per carton and Rs.500 Per trip.	Normal Delivery ( Within 24 hours ) Rs.50 per carton and Rs.250 Per trip. Express Delivery ( Same Day ) Rs.75 per carton and Rs.500 Per trip.	Normal Delivery ( Within 24 hours ) Rs.50 per carton and Rs.250 Per trip. Express Delivery ( Same Day ) Rs.75 per carton and Rs.500 Per trip.
9	NACH mandate registration	Rs. 10/- per utility registration	Rs. 10/- per utility registration	Rs. 10/- per utility registration	Rs. 10/- per utility registration
10	NACH mandate processing	Rs. 2 per mandate per person	Rs. 2 per mandate per person	Rs. 2 per mandate per person	Rs. 2 per mandate per person
11	Locker rent overdue charges	Rs. 100/- per pending month	Rs. 100/- per pending month	Rs. 100/- per pending month	Rs. 100/- per pending month
12	Scan Copy of CTS Cheque Image ( I/W & O/W ) NACH,BFL & BHFL Mandate	Up to 3 Month Rs.50 + GST Thereafter Rs.100 + GST	Up to 3 Month Rs.50 + GST Thereafter Rs.100 + GST	Up to 3 Month Rs.50 + GST Thereafter Rs.100 + GST	Up to 3 Month Rs.50 + GST Thereafter Rs.100 + GST
13	MMS Charges (Mandate Management Charges)	For Inward Mandates Rs.100 for signature verification and for registration. For Outward Mandate other than Cosmos customer registration Rs.200/ with GST – an each transaction Fees Rs.5/-And outward transaction return charges Rs.100/- with GST. For Utility code registration Rs.500/- with GST	For Inward Mandates Rs.100 for signature verification and for registration. For Outward Mandate other than Cosmos customer registration Rs.200/ with GST – an each transaction Fees Rs.5/-And outward transaction return charges Rs.100/- with GST. For Utility code registration Rs.500/- with GST	For Inward Mandates Rs.100 for signature verification and for registration. For Outward Mandate other than Cosmos customer registration Rs.200/ with GST – an each transaction Fees Rs.5/-And outward transaction return charges Rs.100/- with GST. For Utility code registration Rs.500/- with GST	For Inward Mandates Rs.100 for signature verification and for registration. For Outward Mandate other than Cosmos customer registration Rs.200/ with GST – an each transaction Fees Rs.5/-And outward transaction return charges Rs.100/- with GST. For Utility code registration Rs.500/- with GST
14	Salary Uploading charges	One time charges of Rs. 500/- with GST are recommended. Transaction cost each Rs.2/- for per transaction. Return transaction Rs.50/-with GST	One time charges of Rs. 500/- with GST are recommended. Transaction cost each Rs.2/- for per transaction. Return transaction Rs.50/-with GST	One time charges of Rs. 500/- with GST are recommended. Transaction cost each Rs.2/- for per transaction. Return transaction Rs.50/-with GST	One time charges of Rs. 500/- with GST are recommended. Transaction cost each Rs.2/- for per transaction. Return transaction Rs.50/-with GST
15	Setting up of Standing Instructions	Intra Bank – Free Inter Bank (Other than ECS Debit & FD interest credit) – Rs. 100/- one time charges to be levied for setting up of Standing instruction.	Intra Bank – Free Inter Bank (Other than ECS Debit & FD interest credit) – Rs. 100/- one time charges to be levied for setting up of Standing instruction.	Intra Bank – Free Inter Bank (Other than ECS Debit & FD interest credit) – Rs. 100/- one time charges to be levied for setting up of Standing instruction.	Intra Bank – Free Inter Bank (Other than ECS Debit & FD interest credit) – Rs. 100/- one time charges to be levied for setting up of Standing instruction.
16	Free other Bank ATM transactions, to customers of following branches, as On-site ATMs are not available at these branches presently. 1.Hosur 2.Coimbatore 3.Annanagar Chennai, 4.Madipakkam Chennai, 5.Veera Desai Andheri (West), 6.Paldi, 7.Zaveri Bazar, 8. Matunga (E)	10 transactions free per month, thereafter regular charges will be applicable. Value added services – PIN changed, Mini statement on other Bank ATM will be chargeable from first transaction.	10 transactions free per month, thereafter regular charges will be applicable. Value added services – PIN changed, Mini statement on other Bank ATM will be chargeable from first transaction.	10 transactions free per month, thereafter regular charges will be applicable. Value added services – PIN changed, Mini statement on other Bank ATM will be chargeable from first transaction.	10 transactions free per month, thereafter regular charges will be applicable. Value added services – PIN changed, Mini statement on other Bank ATM will be chargeable from first transaction.

Various CASA schemes having exclusive features

Current Account Schemes

Sr. No	Particulars	UCB Premium Current account	UCB premium Plus Current Account	Co-operative Credit Society Premium Current Account	Co-operative Credit Society Premium Plus Current Account	Shubharambh Current Account	Current Accounts of Non scheduled UCBs
	Scheme code	UCBP	UCBP+	CACP	CACP+	CAPOS	CABNK
1	Prescribed Balance Criteria	AQB – Rs. 5.00 Lacs	AQB – Rs. 10 Lacs	Min. Bal – Rs.1.00 Lac	Min Bal – Rs. 5.00 lacs	AQB – Rs. 5000/-	Min Bal – Rs. 2.50 lacs
2	Cash Deposit Charges	Upto Rs. 5 crore free thereafter Rs.1.50/ thousand	Upto Rs. 10 crore free thereafter Rs.1.50/ thousand	Free Cash deposit upto 15 times of last month's average monthly balance thereafter Rs. 1.50/thousand	Free Cash deposit upto 15 times of last month's average monthly balance thereafter Rs. 1.50/thousand	At par with Regular Current Accounts	Monthly free cash deposit upto Rs. 2.50 crores subject to daily free limit of Rs. 10 lacs thereafter Rs.1.50/thousand
3	Cheque Books	300 cheque leaves free per F.Y thereafter Rs. 3.00 per cheque leaf	500 cheque leaves free per F.Y thereafter Rs. 3.00 per cheque leaf	100 cheque leaves free per F.Y thereafter Rs. 3.00 per cheque leaf	300 cheque leaves free per F.Y thereafter Rs. 3.00 per cheque leaf	At par with Regular Current Accounts	Rs. 3.00 per cheque leaf
4	Scheme Special feature	1. Intersol Cash deposit charges @ Rs. 1.50 per thousand 2. Free RTGS/NEFT	1. Intersol Cash deposit charges @ Rs. 1.50 per thousand 2. Free RTGS/NEFT	1. Intersol Cash deposit charges @ Rs. 1.50 per thousand 2. Free RTGS/NEFT	1. Intersol Cash deposit charges @ Rs. 1.50 per thousand 2. Free RTGS/NEFT	1. Free POS Machine 2. Initial deopsit Zero.

Savings Account Schemes

Sr. No	Particulars	Cosmo Kidz saving Account	Regular Salary Savings Account	Premium Salary Account	Cosmo Youth Savings Account	Jan Dhan Saving Account	Basic Savings Bank Deposit Account	Jan Sanchay Account
	Scheme code	KIDSB & KID14	SBGNC	SBSAP	YTHSB	PMJDY	BSBDA
1	Prescribed Balance Criteria	Zero Balance account	Zero Balance Account	customer drawnig salary of min. Rs. 25000/-	Zero Balance Account	Zero Balance Account	Zero Balance Account	Zero Balance Account
2	Cash Deposit Charges	Free	Free	Free	Free	Free	Free	Free
3	Cheque Books	Cheque book facility available with minor guardian only. The cheque should be drawn by minor guardian only. 2 cheque books of 20 leaves free per F.Y thereafter Rs. 3.00 per cheque leaf	2 cheque books of 20 leaves free per F.Y thereafter Rs. 3.00 per cheque leaf	100 cheque leaves free per F.Y thereafter Rs. 3.00 per cheque leaf	2 cheque books of 20 leaves free per F.Y thereafter Rs. 3.00 per cheque leaf	Customer can avail cheque book facility however, he will have to fulfill the prescribed balance criteria specified by Bank fom time to time which is AQB Rs.1000/- presently.	One cheque book of 20 leaves free per F.Y	ATM & Cheque book facility Not Available
4	Scheme Special feature	1. No minimum balance penalty 2. On kid attaining 10 yrs. can withdraw upto Rs. 100/- independently 3. On kid attaining 12 yrs. can avail ATM card facility	No minimum balance penalty	1. No minimum balance penalty 2. Unlimited DD/ PO & RTGS/NEFT free	1. Free DD/PO drawn in flavour of schools & institutions 2. Specially designed ATM Debit Card	Free ATM Rupay Debit Card	Maximum 4 withdrawals allowed in a month including ATM withdrawals	1. Balance in the account should not exceed Rs. 50000/- including all Savings, FD & Recurring Deposit accounts. 2. Total credits should not exceed Rs. 1.00 Lac in a yr. 3. At any point of time, balance of accounts should not exceed Rs. 50000/- or total credit of the account not exceed Rs. 1.00 lac.

Please note that, all the above mentioned specific features of the scheme are kept UNCHANGED. are All other service charges of above mentioned CASA schemes are mapped to respective Regular Saving/ Current Account scheme.