Service Charges and Fees

DNS Bank    04-Aug-2016

Locker Rent

(w.e.f 01 April, 2018)

Given below the rent in summarized from of broad categories of lockers based on the area in cubic inches.

No.

Group

Area
(Cubic Inches)

Rent in Rs.

Existing Type of Lockers

01

Small

Up to 750

1100.00

A,B,C,D

02

Medium - A

751 to 1500

2200.00

E,F, G, H, K & AC

03

Medium - B

1501 to 3500

3000.00

AA, I, X, Y, J, BB, AD,
AF

04

Medium - C

2201 to 3500

3800.00

N, Q, M, Z, L, O

05

Big

3501 to 5500

5500.00

P, W, R, S, AE, AG

06

Large

Above 5501

6800.00

T ,U, V, AB

 

No.

Type

Size in Inches

Total Volume
(Cubic Inches)

Rent in Rs.

Height (H)

Width (W)

Depth (D)

Small Group

1

A

4

6

20.5

492.00

1100.00

2

B

6

4.5

20.5

553.50

1100.00

3

C

4.5

6.5

20.5

599.63

1100.00

4

D

5

7

20.5

717.50

1100.00

Medium A Group

5

E

7.5

5.5

20.5

845.63

2200.00

6

F

6

8

20.5

984.00

2200.00

7

AC

6.25

8.26

20.5

1058.31

2200.00

8

G

4

13

20.5

1066.00

2200.00

9

H

4.5

13.5

20.5

1245.38

2200.00

10

K

7

10

20.5

1435.00

2200.00

Medium B Group

11

AA

7.43

10.35

20.5

1576.46

3000.00

12

I

6

13

20.5

1599.00

3000.00

13

X

5.5

15

20.5

1691.25

3000.00

14

Y

5.5

16

20.5

1804.00

3000.00

15

J

7.5

12

20.5

1845.00

3000.00

16

BB

16

6

20.5

1968.00

3000.00

17

AD

6.25

16.68

20.5

2137.13

3000.00

18

AF

12.63

8.26

20.5

2138.64

3000.00

Medium C Group

           

19

N

13

10

20.5

2665.00

3800.00

20

Q

10.5

13.5

20.5

2905.88

3800.00

21

M

7

21

20.5

3013.50

3800.00

22

Z

7.43

20.86

20.5

3177.29

3800.00

23

L

12

13

20.5

3198.00

3800.00

24

O

13

12

20.5

3198.00

3800.00

Big Group

25

P

12

15

20.5

3690.00

5500.00

26

W

12

16

20.5

3936.00

5500.00

27

R

13

15.5

20.5

4130.75

5500.00

28

AE

12.63

16.6

20.5

4297.99

5500.00

29

S

13

18

20.5

4797.00

5500.00

30

AG

15.25

16.2

20.5

5064.53

5500.00

Large Group

31

T

15

18

20.5

5535.00

6800.00

32

U

15

20

20.5

6150.00

6800.00

33

V

15.5

20.5

20.5

6513.88

6800.00

34

AB

15.89

20.8

20.5

6775.50

6800.00

 

Revised Charges+GST - Loan & Advances

(w.e.f 31 Aug, 2015)

No.

Particulars

Revised Charges+GST
(in Rs.)

Revised Charges+GSTCommercial
(in Rs.)

1)

Up to Rs. 2.00 Lakh

300.00

750.00

2)

Rs. 2.00 Lakh to Rs. 25.00 Lakh

750.00

Minimum Rs.1000/- or 0.10 % of sanctioned amount.

3)

Rs. 25.00 Lakh to Rs. 70.00 Lakh

1000.00

Upto Rs.25.00 Lakhs-

Rs.3000/-or 0.10% of loan amount. Maximum amount to be recovered Rs.15,000/-

 

Visit & Inspection Charges

SN Particulars of loan amount  Distance Charges+GST
1 Aggregate of loan amount upto Rs.25.00 lakhs - If unit/securities is within radius of 1KM  Rs. 500/- 
   
- If unit/securities is situated within 1 to 5 KM   Rs. 1000/- 
   
- If unit/securities is above radius of 5 KM Rs. 1500/-
2 Aggregate of loan amount above  Rs.25.00 to 100.00 lakhs - If unit/securities is within radius of 1KM  Rs. 1000/- 
   
- If unit/securities is situated within 1 to 5 KM  Rs. 1500/- 
   
- If unit/securities is above radius of 5 KM Rs. 2000/-
3 Aggregate of loan amount above  Rs. 100.00 lakhs - If unit/securities is within radius of 1KM  Rs. 1000/- 
   
- If unit/securities is situated within 1 to 5 KM  Rs. 2000/- 
   
- If unit/securities is above radius of 5 KM Rs. 2500/-
 Actual fare / other charges / out of pocket expenses to be collected separately.  + Conveyance and other out of pocket expenses at actual, irrespective of distance.
 

Notice Charges

No.

Particulars

Revised Charges+GST
(in Rs.)

1)

Reminder Notice

100.00

2)

Demand Notice - D2

300.00

3)

Demand Notice - D3

500.00

4)

Sec-49 Notice

750.00

5)

Final Notice

1000.00

6)

Gold Loan Auction Notice

*1000.00

*In case of Gold Loan, Advertisement charges and other out of pocket expenses to be recovered in addition to the Auction Notice.

 

OTHER CHARGES:                                                                                

No.

Particulars

Revised Charges+GST
(in Rs.)

1)

Noting or Releasing of charges / assignment / reassignments & encashment of NSC / KVP / IVP etc.

 

-------------------------------------------

Noting or Releasing of charges/assignments/reassignments & encashment of LIC.

250.00 + Conveyance and other out of pocket expenses at actual to be recovered separately

-----------------------

250.00

2)

Lien / Charge noting on shares under D'mat or in physical form & encashment / realization of shares under D'mat / physical form

350.00

3)

Commitment charges for non availment of Loan within 3 months

0.50% of loan amount

4)

Document Handling charges under Letter of Credit (for issue as well as for discount)

Rs. 1000.00 up to Rs. 50.00 Lacs (bill/Letter of Credit) per transaction

Rs. 2000.00 Above Rs. 50.00 Lakh and up to Rs. 200.00 Lakh (bill/Letter of Credit) per transaction

Rs. 2000.00 above Rs. 2500.00 Lakh (bill/Letter of Credit) per transaction

 

5)

Credit Rating Charges

Rs. 7500.00

6)

Entry Point Credit Rating

Rs.  10000.00

 

Processing Charges for Loans & Advances

Particulars

Processing Charges
(in Rs.)

1. Personal Loans

 

Easy Loan (Repayment of Old debts scheme)

1.00% Min. Rs. 500.00

 

Utsav Scheme

1.00% Min. Rs. 500.00

 

Consumer durable items Household items, House Repairs / Renovation (where property is not mortgaged) Ceremonial Loans

1.00% Min. Rs. 500.00

 

Consumer durable items Household items, House Repairs / Renovation (where property is not mortgaged) Ceremonial Loans

1.00% Min. Rs. 500.00

 

Clean cc up to Rs 1.75%

1.00% Lakh Minimum
Rs. 500

2. Business Loans

 

Business Loans, Cash credit, New renewal enhancement, Term Loan (Mortgage, Purchase of Business Property, Hypothecation of Plant & Machinery) LC and Bank guarantee.

0.75% sanctioned loan amount

 

Legal Charges applicable for Commercial Loan and Advances where property mortgage is involved.

0.10% of the amount of loan applied Minimum
Rs. 5500

 

 

Enhancement in Working Capital facilities which includes Cash Credit, Flexi Overdraft, Bills Discounting limit, Project Loan, BG/LC limit etc.

0.25% for renewal portion and 0.50% on enhanced limit.

 

 

Review/Renewal of Working capital limits (e.g. Cash Credit, Flexi OD, PRLN, Pledge, Bills Discounting ,salary earners OD etc.)

0.25% of the Sanctioned Loan Amount

     

3. Vehicle Loans

 

Vehicle Loans Personal & Commercial.

 

1% sanctioned loan amount

 

Four Wheeler for personal use

 

0.50%

Minimum 1000.00
   Two Wheeler for Personal Use  

0.50%

Minimum 500.00

4. Housing Loans

 

Housing Loan

Upto Rs.20.00 Lakhs

Above Rs.20.00 Lakhs

0.25%

Minimum 1000.00

 

Housing Plus

0.75% of the loan amount

5. Mortgage Loans

 

Mortgage Loans / O.D. / RPM (Gruha Saukhya / Gruha Sajawat) DNSB Vyapar Loan

1% sanctioned loan amount & Minimum Rs. 500

6. Advance against Share / Mutual Funds

 

Advance against Share / Mutual Funds / Debentures/ Govt. Bonds

0.75% Min Rs. 500.00 + D'mat Charges + Other Charges as applicable

7. Advance against Govt. Securities & Gold

 

Advance against Govt. Securities - NSC / LIC / KVP / IVP & Gold Loan

0.50% Loan amount Minimum Rs. 250

8. AD-HOC Cash credit / TOD

 

AD-HOC Cash credit / TOD

Rs. 5000.00 / or 1% of over limit whichever is maximum.

 

Request for releasing part amount from original sanctioned limit, pending compliance of few terms and conditions and/or request for modification of terms of sanction after issue of sanction letters

For loan limits upto Rs.200.00 Lakhs.

-Rs.2000/- per request

For limits above Rs.200.00 Lakhs upto Rs.1000.00 Lakhs

-Rs.5000/- per request.

For limits above Rs,1000.00 Lakhs.

-Rs.10000/- per request

9. Educational Loan

 

Educational Loan

0.50% sanctioned loan amount

10. Loan for Handicapped

 

Loan to Handicapped persons

Rs. 200.00

 

Loan up to pensions

0.25% up to sancation Loan amount Min. Rs100.00

 

Loan up to professionals

0.25% up to sancation Loan amount

     
  Clean Cash Credit upto Rs.4.50 Lakhs 1% of sanctioned loan amount.Minimum Rs.500/-
  DNS Laghu Udyojak Scheme/ Minus 2 & Minus 1 (For MSME Units)

In case of takeover of accounts from other banks, no processing charges to be recovered however if enhanced limit granted , 0.50% on enhanced limits to be charged

 

In case of other than takeover loans, 0.75% of loan sanctioned amount.
  Pledge Limit (Sugar & other commodities)

New limit – 0.25%

Renewal – 0.25%

 

In case of Fresh Business Loans, the abovementioned Processing Charges are to be recovered in stage wise.

Stages

Revised Charges +GST

At the time of submission of proposal

10% of total applicable processing charges of 0.75% i.e.0.075% of loan amount applied (Non Refundable).

At the time of In Principal Approval

0.1875%  i.e. 25% of applicable of processing charges

 

At the time of issuance of final sanction

0.4875%  i.e. 65% of applicable of processing charges

 

Commission of Bank Guarantee

Particulars

Revised Charges+GST
(in Rs.)

Commission on Bank Guarantee

 

A] Issued by us with 100 % margin / fully Secured

1.50 % upfront for entire period on quarterly pro-rata basis + Rs. 100/-

 

B] Partly Secured

3% upfront for entire period on quarterly pro-rata basis +
Rs. 100 /- per transaction (Part of quarter to be taken as full quarter).

 

C] If issued by other bank

50% of rates mentioned in A and / or B above (as applicable) + Rs. 100.00 per transaction. Other Bank's charges to be recovered in actual.

 

Other Charges (w.e.f 31 December, 2018)

No.

Particulars

Revised Charges+GST
(in Rs.)

1)

Folio Charges

CD, CC / OD: Rs. 50 /- per
30 entries / Per folio. ( Quarterly)

2)

Stop Payment Charges

A) Saving Bank Account Rs. 100 /- per instrument

B) Other than saving bank account Rs. 100/- per instrument

C) CURRENT/OD and other related account Rs.125/- per instrucment 

3)

Minimum Balance Charges

 

Saving With Cheque book Rs. 1000 /- Without Cheque book Rs. 500 /-

Rs. 50 /- per month

 

Current Rs. 2000 /-

Rs. 350 /- per month

4)

Inward Cheque Return charges and E.C.S. Return

Rs. 4 /- per 1000 /- minimum Rs. 250 /-
E.C.S. Rs. 100/- per entry

5)

Outward Cheque Return charges

For Saving Rs.50/-
For Current Rs.100/-

6)

Duplicate Pass book Statement charges

SB: Rs. 50 /- per Pass book.

Rs. 20 /- per page for additional computerized statement for SB accounts

CD / CC / OD / SVOD /ALL
Rs. 100 /- per passbook.

Rs. 30 /- per page for additional computerized statement for CD / CC / OD / SVOD

7)

Signature Verification charges / photo attestation All types of A/Cs.

Rs. 50/- per Signature 

8)

Accounts transferred from inoperative status to operative status

Rs. 50 /- one time charges

9)

Cheque Book Charges MICR / Non MICR

SB:
First cheque book free & then per leaf Rs. 2/-

CD / CC / OD - Rs. 3/- per leaf

10)

Change in operational instruction
(including Lockers, Name addition /deletion in joint account and change in Nomination)

SB A/Cs:
Rs. 50/-  per instance

C D/CC / CD A/Cs:
Rs. 150/- for all accounts

11)

Standing Instruction charges for all type of A/Cs

Nil :- Within branch and from one branch to another Rs. 10 /- per transaction + applicable remittance charges and other out of pocket expenses. In respect of transfer of funds to other banks per occasion
(to be credited to P/L Incidental Charges)

12)

Issue of duplicate share certificate / Term Deposit receipt/ R.D. passbook

Rs. 100/- per share certificate / TD / FD Receipt besides obtaining indemnity bond.

13)

Issue of Balance certificate/Issuance/ obtaining of status / confidential report

SB:
Rs. 100/- per certificate / Status / Confidential Report
(Bank to Bank no charge)

CD:
Rs.100/- per original certificate & Rs. 10/- per additional copy
(Bank to Bank NIL)

14)

Account Closing charges

SB sb minr and other related Within 6 months Rs. 200/- & after 6 months Rs. 100/-
* Charges are not applicable in case of Closure on account of death of account holder.

--------------------------------------

CURRENT od and other related ac : With in 6 months Rs.500/- &
after 6 months Rs.250/-

15)

Late fee on R.D.

Rs. 1.50/- per Rs. 100 /- per month
(to be credited to P/L late fee on RD)

16)

Withdrawal against unclear salary cheque

@18% p.a. ROI or Rs. 25/- minimum per instance

17)

Photo attestation

Rs. 50/- per attested photo

18)

Excess debit entries in cash other than ATM SB

Per cash withdrawal Rs. 5/- (other than ATM) if cash withdrawal exceeds 5 times in a month

19)

Duplicate ATM Card Issue

SB/ SB minor and other related accounts :

Rs. 100 /- per card

--------------------------------------

CURRENT/OD and other related account: Rs.100/- per card
Rs.50/- ( for duplicate pin)

20)

Issue of Balance Certificate

SB A/Cs:
Rs. 50/- per certificate / Status / Confidential Report

CC Accounts:
Rs. 100/- per original certificate & Rs. 10/- per additional copy

21)

Issue of No Dues Certificate

Rs. 100/- per certificate

22)

Speed Clearing

Up to 1.00 lac Nil and above 1.00 lac Rs. 150 + out of pocket expenses

23)

E Payment of Taxes

Rs. 100/- normal charges & if given within 3 days of date of expiry Rs. 300/- per challan

24)

Old Record in the form of voucher, document, etc(other than statement of A/C)

SB:
Rs. 100/- upto 2 years record & additional Rs. 5/- p.m. after 2 years / per occasion

25

3rd PARTY VERIFICATION CHARGES:

Residence Address Verification
Office/Business Address Verification
Payslip/Form no.16/Bank Statement verification
Income tax return verification (single)

 

 

 

105.00

105.00

100.00

150.00

 

Commission on DDs / Payorders

Our Bank / HDFC Bank / Other Nationalised Bank

No.

Particulars

Revised Charges+GST
(in Rs.)

1)

Our Bank

 Upto Rs.1000/- Rs.20/-
Rs.1000/- and upto Rs.1.00 Lakh Min Rs.30/- Otherwise Rs.3/- per thousand
Above Rs.1.00 Lakh upto Rs.10.00 Lakh - Minimum Rs.300/- otherwise Rs.2/- per thousand
Above Rs.10/- Lakh Minimum Rs. 2000/-otherwise Rs.2/- per thousand whichever is higher subject to Maximum of Rs. 15000/-.

 

Duplication / Revalidation / Cancellation

Rs. 100/- per instrument besides indemnity

2)

State Bank of Indore

Rs. Upto Rs. 10,000/-
Rs. 50/-
Rs. 3/- per 1000/-

Duplication / Revalidation / Cancellation

Rs. 50/- per instrument besides indemnity

3)

H.D.F.C. Bank

Upto Rs. 1000/- Rs. 20/- Above Rs. 1000/- to 10,000/- Rs. 30/-

Above Rs. 10,000/- to Rs. 1 Lac - Rs. 30/- + Rs. 2/- per Rs. 1000 /- above / beyond Rs. 10,000 /-

Above 1 Lac - Rs. 210 /- + 1.50 per 1000 above / beyond Rs. 1 Lac

 

Collection on Outstation Cheques / Bills

No.

Particulars

Revised Charges+GST
(in Rs.)

1)

Collection on Outstation Cheques / Bills

Upto 5,000/- Rs. 25/- Above 5,000/- to 10000 Rs. 50/-

Above 10000/- to 1 lac Rs. 100/-

Above 1 Lac – Rs. 150/- + out of pocket expenses

2)

Collection on Outstation Cheques / Bills - Through HDFC Bank

Rs. 50/- per instrument

3)

Collection on Outstation Cheques / Bills - Through Pune Branch / Other Outstation Branches

Rs. 40 same for all branches beyond Bombay clearing area

4)

Outward / Inward (Foreign) N.A.

Outward / Inward (Foreign) Rs. 600.00 per transaction

5)

Discounting of Foreign Bills (with or without letter of credit)

Minimum Rs. 600.00 upto Rs. 10.00 lacs (bill / letter of credit) per transaction.

N.A.

Minimum Rs. 1,000.00 above Rs. 10.00 lacs (bill / letter of credit) per transaction

 

Inward Bills / Cheque Collections

No.

Particulars

Revised Charges+GST
(in Rs.)

1)

Inward Bills / Cheques for Collections

Rs. 3 /- per Rs. 1000/- + DD / Pay-Order charges

 

Cheque Purchase Charges

No.

Particulars

Revised Charges+GST
(in Rs.)

1)

For Local Cheques

Minimum Rs. 50/- per instance or @ 21% p.a. R.O.I.

2)

For Outstation Cheques

Commission @ Rs. 10/- per thousand + collection charges Minimum Rs. 100/-

 

R.T.G.S

No.

Particulars

Revised Charges+GST
(in Rs.)

1)

R.T.G.S. Outward

Upto Rs. 2 to 5 Lacs – Rs. 25 per Transaction

Rs. 5 Lacs and Above – Rs. 50 per Transaction

2)

R.T.G.S. Inward

Nil

 

NEFT Revised Charges+GST to be levied from 21st August 2012

No.

Value Band

Maximum Charges Excluding Taxes
(In Rs.)

1)

Up to Rs.10,000/-

Rs.2.50/-

2)

From Rs.10,000 to 100,000/-

Rs.5.00/-

3)

From Rs.100,000 to 200,000/-

Rs. 15/-

4)

From Rs.200,000/- and above

Rs.25/-

Mutual Arrangement Scheme (Maharashtra State Co. Op. Bank)

No.

Particulars

Revised Charges+GST
(in Rs.)

1)

Upto Rs. 1000/-

Rs. 5/-

2)

Rs. 1001/- to Rs. 2500/-

Rs. 10/-

3)

Rs. 2501 to Rs. 5,000/-

Rs. 15/-

4)

Rs. 5001 /- to Rs. 10,000/-

Rs. 20/-

5)

Above Rs. 10,000/-

Rs. 2/- per thousand Maximum
Rs. 1,500/-

 

Solvency Certificate Charges

No.

Particulars

Revised Charges+GST
(in Rs.)

1)

Upto Rs. 50,000/-

Rs. 200/- for first copy (+) Rs. 200/- for per additional copy for Business and Rs. 100 for Education Purpose.

2)

Rs. 50,001 to
Rs. 2,00,000/-

Rs. 500/- for first copy (+) Rs. 200/- for per additional copy for Business and Rs. 100 for Education Purpose

3)

Above
Rs. 2,00,000 /-

0.15% for Business Purpose and 0.10% for Education Purpose.
Rs. 200 /- per additional copy for Business and Rs. 100/- for Education purpose.

 

Cash Handling Charges

No.

Particulars

Revised Charges+GST
(in Rs.)

1)

FOR Saving  A/CS and Saving related accounts

Up to 5 lacs Nil
Above Rs. 5 lakhs Rs. 3/- per 1000/-

2)

For Current, Overdraft and
other related Accounts

Up to 3 lacs Nil

Above Rs. 3 lakhs but less than Rs.15 lakhs Rs. 3/- per 1000/-

Above Rs.15 lakhs Rs. 5/- per 1000/-

3)

For Current, Overdraft and
other related Accounts

(For Denomination below Rs.100/-)
Rs. 10/- per Bundle for

For Coins :(charges per 100 coins) (per day)
Rs.10/-   Rs.10/-
Rs. 5/-   Rs. 6/-
Rs.1/- &    2 Rs.4/-
(Cash deposited in account & balance maintained for further 3 days. No charges will be applicable)

 

NFS Charges : Charges for using other than DNS Bank's ATM's

A/C Type

Non-Financial Transaction such as Balance Enquiry and Pin Change in Rs.

Cash Withdrawal in Rs.

Free Transactions per month including Non-Financial

SB

10

20

5

CD

10

20

0

OD (Except Staff)

10

20

0

Staff OD

10

20

5

 

Subsidy Handling Charges

1.    Under Pradhan Mantri Aawas Yojana (PMAY) HUDCO  for housing loans (to be recovered at the time of crediting subsidy to loan account to be recovered as loan charges)

-----------------------------------------

2.    Claims under CLCSS/TUFS or  any other subsidy.

 

 

 

Rs. 2500.00( one time) to be recovered upfront before uploading application on subsidy portal

 

 --------------------------

Rs. 5000.00 per case (one time)

FOR VEHICLE LOANS:-

 

Issue NOC to RTO

-----------------------------

100.00

----------------

Issue HPTR to RTO

-------------------------------

100.00

----------------

Seizing Charges for vehicle

1.    Two wheeler

2.    Four wheeler / Commercial Vehicle

 

1500.00

 2500.00

Vehicle Information Report

                                300.00

 
 

HANDLING CHARGES FOR FOREIGN REMITTANCES:

SN

Particulars

Revised Charges +GST

1.

Documents submitted for all types of foreign outward remittances & Export Documents sent on collection basis as well as lodgment of export documents. Also Pre-shipment & post0 shipment documents.

--------------------------------------------------

Transaction amount Upto Rs. 10.00 lakhs –Rs. 600.00

Transaction amount above Rs. 10.00 lakhs –Rs. 1000.00

---------------------------

2.

For any other foreign exchange related services:

i)             Inward Remittance

ii)            A.D. Code Issue

iii)           FIRC request

iv)           Forward Booking

 

 

 Rs. 200.00

 Rs. 200.00

 Rs. 200.00

 Rs. 500.00

 
 
ATM and SMS Revised Charges+GST w.e.f. 1st Oct. 2017 , structure of Revised Charges+GST is as under:

1. ATM Revised Charges+GST Rs.100/- per card per annum.
2. SMS charges Rs.15/- per quarter (For Saving and Other Saving related products)
3. SMS charges Rs.50/- per quarter (For Current, Cash Credit, Overdraft and other related products)