The Karad Urban Co-operative Bank Ltd., Karad (Scheduled Bank)

Service Charges

(All Charges are inclusive of GST)

Sr. No.	Particulars	Existing Charges	Revised Charges
1	Savings Bank A/c (Basic Savings A/c)
	Minimum Balance	Nil	Nil
	Charges for non-maintenance thereof	Nil	Nil
2	Savings and Current Bank Account Charges
	Duplicate Statement - For All Savings & Current Bank Account, Cash Credit Account	Rs. 3 per page	Rs. 2 per page
	Duplicate pass book - For All Savings & Current Bank Account, Cash Credit Account	Rs. 60	Rs. 60
	Incidental Charges - ( Every Quarter i.e. June, Sept., Dec. & March Charges apply in the month of July, October, January & April)	Quarterly Charges for Non Compliance
	Regular Savings Bank Account (QAB Rs. 1000)	20% on Short Balance	20% on Short Balance
	Centwin Gold Savings Bank Account (At par Cheque Facility)(QAB Rs. 25000)	2% on Short Balance	2% on Short Balance
	Centwin Platinum Savings Bank Account (At par Cheque Facility)(QAB Rs. 50000)	2% on Short Balance	2% on Short Balance
	Centwin Gold Platinum Savings Bank Account (At par Cheque Facility)(QAB Rs. 100001)	2% on Short Balance	2% on Short Balance
	Regular Current Bank Account (At par Cheque Facility)(QAB Rs. 5000)	Rs. 150	Rs. 200
	Centwin Gold Current Account (At par Cheque Facility)(QAB Rs. 50000)	Rs. 1,500	Rs. 1,500
	Centwin Platinum Current Account (At par Cheque Facility)(QAB Rs. 150000)	Rs. 2,000	Rs. 2,000
3	Debit Card Service Carges (Annual Maintenance Charges )
i	Annual Debit Card Fee from Second Year
	Regular Savings & Current Bank Account	Current - 200 Saving - 200	Current - 200 Saving - 200
	Centwin Gold, Centwin Platinum and Centwin Gold Platinum Savings Bank Account Centwin Gold and Centwin Platinum Current Account	Classic & Platinum -Free	Classic & Platinum -Free
ii	Damaged Card Replacement Charges (If card Damage due to customer Fault)
	All Types of Debit Card	Rs. 200	Rs. 200
iii	Debit Card PIN Re-generation Charges ( For all Savings and Current Bank Account) - Other than Mobile banking PIN re-generation	Rs. 25	Rs. 25
iv	KUCB Bank ATMs Cash Withdrawal/Balance Enquiry	Rs. 10 per transaction will be charged to KUCB Bank card holders beyond the 10 financial transactions done every month at KUCB Bank ATMs	Rs. 10 per transaction will be charged to KUCB Bank card holders beyond the 10 financial transactions done every month at KUCB Bank ATMs
		No charges will be levied for non-financial transactions done at KUCB Bank ATMs.	No charges will be levied for non-financial transactions done at KUCB Bank ATMs.
v	Cash Withdrawal/ Balance Enquiry at Other Bank ATMs	First five transactions are Free in each calender Month, thereafter financial transactions will be charged at Rs. 24/- and Non-financial transactions will be charged Rs. 10/.	First five transactions are Free in each calender Month, thereafter financial transactions will be charged at Rs. 24/- and Non-financial transactions will be charged Rs. 10/.
4	SMS Alert Charges For All Savings & Current Bank Account, Cash Credit Account	Free	Free
5	Cash Handling Charges
	Home Branch
	Cash Transaction Deposit & Withdrawal At Home Branch	NIL	NIL
	Non-Home Branch
	Cash Deposit transaction at Other Branch	NIL	NIL
	Cash withdrawal transactions Upto Rs.50,000/- per instances	NIL	NIL
	Cash withdrawal Above Rs.50,000/- per instances	Charges Rs. 1.20 Per Thousand or part thereof (Maximum Rs. 6000/-)	NIL
6	Remittance Facilities Through our Bank
	PO / DD Issue	Upto 1000 - Rs. 30 1001 to 10000 - Rs. 50 Above 10000 - Rs. 5 Per Thousand or part thereof (Max Rs. 17500)	Upto 1000 - Rs. 30 1001 to 10000 - Rs. 50 Above 10000 - Rs. 5 Per Thousand or part thereof (Max Rs. 17500)
	PO/ DD Cancellation	Rs. 75.00 per Instrument	Rs. 75.00 per Instrument
	Issue of Duplicate PO/DD	Same as PO/DD Issue	Same as PO/DD Issue
7	Collection of outward/ Inward Cheque	1) Up to 5,000 - Rs. 30	1) Up to 5,000 - Rs. 30
		2) 5,001 to 10,000 - Rs. 60	2) 5,001 to 10,000 - Rs. 60
		3) 10,001 to 1 Lakh - Rs. 120	3) 10,001 to 1 Lakh - Rs. 120
		4) Above 1 Lakh - Rs. 150	4) Above 1 Lakh - Rs. 150
8	Service Through other Bank
	At Par Cheque Issue on other Bank	Rs. 2 per Rs. 1000 or part thereof	Rs. 2 per Rs. 1000 or part thereof
	At Par Cheque Cancellation	Rs. 60	Rs. 60
9	Cheque Return Charges - Without Technical reason	Inward clearing : i) Cheque Amount upto Rs.1 Lakh - Rs.180 per Cheque ii) Cheque Amount above Rs.1 Lakh to 5 Lakh Rs.250 per Cheque iii) Cheque Amount above Rs.5 Lakh to 10 Lakh Rs.600 per Cheque iv)Cheque Amount above Rs.10 Lakh to 25 Lakh Rs.1200 per Cheque v)Cheque Amount above Rs.25 Lakh to 50 Lakh Rs.2000 per Cheque vi)Cheque Amount above Rs.50 Lakh to 100 Lakh Rs.4000 per Cheque vii)Cheque Amount above Rs.100 Lakh to 500 Lakh Rs.5000 per Cheque viii)Cheque Amount above Rs.500 Lakh to 1000 Lakh Rs.10000 per Cheque ix) Cheque Amount Above 1000 Lakh Rs.15000 per Cheque	Inward clearing : i) Cheque Amount upto Rs.1 Lakh - Rs.180 per Cheque ii) Cheque Amount above Rs.1 Lakh to 5 Lakh Rs.250 per Cheque iii) Cheque Amount above Rs.5 Lakh to 10 Lakh Rs.600 per Cheque iv)Cheque Amount above Rs.10 Lakh to 25 Lakh Rs.1200 per Cheque v)Cheque Amount above Rs.25 Lakh to 50 Lakh Rs.2000 per Cheque vi)Cheque Amount above Rs.50 Lakh to 100 Lakh Rs.4000 per Cheque vii)Cheque Amount above Rs.100 Lakh to 500 Lakh Rs.5000 per Cheque viii)Cheque Amount above Rs.500 Lakh to 1000 Lakh Rs.10000 per Cheque ix) Cheque Amount Above 1000 Lakh Rs.15000 per Cheque
	Same as above	Outward clearing : i) Cheque Amount upto Rs.1 Lakh - Rs.180 per Cheque ii) Cheque Amount above Rs.1 Lakh to 5 Lakh Rs.250 per Cheque iii) Cheque Amount above Rs.5 Lakh to 10 Lakh Rs.600 per Cheque iv)Cheque Amount above Rs.10 Lakh to 25 Lakh Rs.1200 per Cheque v)Cheque Amount above Rs.25 Lakh to 50 Lakh Rs.2000 per Cheque vi)Cheque Amount above Rs.50 Lakh to 100 Lakh Rs.4000 per Cheque vii)Cheque Amount above Rs.100 Lakh to 500 Lakh Rs.5000 per Cheque viii)Cheque Amount above Rs.500 Lakh to 1000 Lakh Rs.10000 per Cheque ix) Cheque Amount Above 1000 Lakh Rs.15000 per Cheque	Outward clearing : i) Cheque Amount upto Rs.1 Lakh - Rs.180 per Cheque ii) Cheque Amount above Rs.1 Lakh to 5 Lakh Rs.250 per Cheque iii) Cheque Amount above Rs.5 Lakh to 10 Lakh Rs.600 per Cheque iv)Cheque Amount above Rs.10 Lakh to 25 Lakh Rs.1200 per Cheque v)Cheque Amount above Rs.25 Lakh to 50 Lakh Rs.2000 per Cheque vi)Cheque Amount above Rs.50 Lakh to 100 Lakh Rs.4000 per Cheque vii)Cheque Amount above Rs.100 Lakh to 500 Lakh Rs.5000 per Cheque viii)Cheque Amount above Rs.500 Lakh to 1000 Lakh Rs.10000 per Cheque ix) Cheque Amount Above 1000 Lakh Rs.15000 per Cheque
	KUCB to KUCB Cheque Return Charges - Due to Insufficient Funds (Same as above)	i) Cheque Amount upto Rs.1 Lakh - Rs.180 per Cheque ii) Cheque Amount above Rs.1 Lakh to 5 Lakh Rs.250 per Cheque iii) Cheque Amount above Rs.5 Lakh to 10 Lakh Rs.600 per Cheque iv)Cheque Amount above Rs.10 Lakh to 25 Lakh Rs.1200 per Cheque v)Cheque Amount above Rs.25 Lakh to 50 Lakh Rs.2000 per Cheque vi)Cheque Amount above Rs.50 Lakh to 100 Lakh Rs.4000 per Cheque vii)Cheque Amount above Rs.100 Lakh to 500 Lakh Rs.5000 per Cheque viii)Cheque Amount above Rs.500 Lakh to 1000 Lakh Rs.10000 per Cheque ix) Cheque Amount Above 1000 Lakh Rs.15000 per Cheque	i) Cheque Amount upto Rs.1 Lakh - Rs.180 per Cheque ii) Cheque Amount above Rs.1 Lakh to 5 Lakh Rs.250 per Cheque iii) Cheque Amount above Rs.5 Lakh to 10 Lakh Rs.600 per Cheque iv)Cheque Amount above Rs.10 Lakh to 25 Lakh Rs.1200 per Cheque v)Cheque Amount above Rs.25 Lakh to 50 Lakh Rs.2000 per Cheque vi)Cheque Amount above Rs.50 Lakh to 100 Lakh Rs.4000 per Cheque vii)Cheque Amount above Rs.100 Lakh to 500 Lakh Rs.5000 per Cheque viii)Cheque Amount above Rs.500 Lakh to 1000 Lakh Rs.10000 per Cheque ix) Cheque Amount Above 1000 Lakh Rs.15000 per Cheque
10	Stop Payment Charges	Rs.180	Rs. 180
11	ECS / ACH (Debit) Return Charges	Rs. 250	Rs. 250
12	Cheque Book Charges
	Regular Savings Bank Account	15 Cheque Leaves Free After first cheque book Rs. 4 per leaf e.g. Charges Rs.60 ( book contents 15 Cheques)	15 Cheque Leaves Free After first cheque book Rs. 4 per leaf e.g. Charges Rs.60 ( book contents 15 Cheques)
	Centwin Gold Savings Bank Account (At par Cheque Facility)	30 Cheque Leaves Free in a Financial Year Rs.4 per Cheque leaf after threshold of 30 Cheque Leaves	30 Cheque Leaves Free in a Financial Year Rs.4 per Cheque leaf after threshold of 30 Cheque Leaves
	Centwin Platinum and Centwin Gold Platinum Savings Account (At par Cheque Facility)	60 Cheque Leaves Free in a Financial Year Rs.4 per Cheque leaf after threshold of 60 Cheque Leaves	60 Cheque Leaves Free in a Financial Year Rs.4 per Cheque leaf after threshold of 60 Cheque Leaves
	Regular Current Bank Account (At par Cheque Facility)	First Cheque Book Free After first cheque book Rs.4 per leaf e.g. Charges Rs.60 ( book contents 15 Cheques)	First Cheque Book Free After first cheque book Rs.4 per leaf e.g. Charges Rs.60 ( book contents 15 Cheques)
	Centwin Gold Current Account (At par Cheque Facility)	75 Cheque Leaves Free in a Financial Year Rs.4 per Cheque leaf after threshold of 75 Cheque Leaves	75 Cheque Leaves Free in a Financial Year Rs.4 per Cheque leaf after threshold of 75 Cheque Leaves
	Centwin Platinum Current Account (At par Cheque Facility)	300 Cheque Leaves Free in a Financial Year Rs.4 per Cheque leaf after threshold of 300 Cheque Leaves	300 Cheque Leaves Free in a Financial Year Rs.4 per Cheque leaf after threshold of 300 Cheque Leaves
13	Charges for RTGS
	Inward RTGS	Free	Free
	Outward RTGS through Branches
	Regular Savings Bank Account, Centwin Gold Savings Bank Account & Regular Current Bank Account	Rs. 2 Lakh to Rs.5 Lakh - Rs 25 per Transaction Above Rs. 5 Lakh -Rs 50 per Transaction	Rs. 2 Lakh to Rs.5 Lakh - Rs 25 per Transaction Above Rs. 5 Lakh -Rs 50 per Transaction
	Centwin Platinum and Centwin Gold Platinum Savings Bank Account, Centwin Gold and Centwin Platinum Current Bank Account	Free	Free
14	Charges for NEFT / IMPS
	Inward NEFT / IMPS	Free	Free
	Outward NEFT/IMPS
	Regular Savings Bank Account, Centwin Gold Savings Bank Account & Regular Current Bank Account	Upto Rs. 10000 -Rs. 2 per transactions Above Rs. 10000/- to Rs 1 Lakh -Rs.5 per transactions Above Rs. 1 Lakh to Rs. 2 Lakh -Rs. 15 per transactions Above Rs. 2 Lakh -Rs. 25 per transactions	Upto Rs. 10000 -Rs. 2 per transactions Above Rs. 10000/- to Rs 1 Lakh -Rs.5 per transactions Above Rs. 1 Lakh to Rs. 2 Lakh -Rs. 15 per transactions Above Rs. 2 Lakh -Rs. 25 per transactions
	Centwin Platinum and Centwin Gold Platinum Savings Bank Account,Centwin Gold and Centwin Platinum Current Bank Account	Free	Free
15	Outward RTGS/NEFT/IMPS through Mobile Banking	NIL	NIL
16	TDS, TAX & Other Online Payment	NA	Upto Rs. 1 Lakh per challan -Rs. 60 Above Rs. 1 Lakh to Rs 3 Lakh per challan -Rs.120 Above Rs. 3 Lakh to Rs. 5 Lakh per challan -Rs. 160 Above Rs. 5 Lakh -Rs. 160 + Rs. 20 per Lakh (Above Rs. 5 Lakh)
17	Locker Rent
	For Pune, Solapur -	Small Rs. 1300	Small Rs. 1500
		Medium Rs. 2600	Medium Rs. 3000
		Big Rs. 3300	Big Rs. 3800
		Jumbo Rs. 4000	Jumbo Rs. 4500
		Jumbo(LK) Rs. 5300	Jumbo(LK) Rs. 5800
	For Mumbai (Bhoiwada, Mahim)	Small Rs. 1300	Small Rs. 1500
		Medium Rs. 2600	Medium Rs. 3000
		Big Rs. 5100	Big Rs. 5500
		Jumbo Rs. 6400	Jumbo Rs. 7000
		Jumbo (LJ) Rs. 9100	Jumbo (LJ) Rs. 9800
	For Kamothe Panvel	Small (S04) Rs. 1000	Small (S04) Rs. 1200
		Medium(M04) Rs. 1400	Medium(M04) Rs. 1600
		Big(B06) Rs. 1800	Big(B06) Rs. 2000
		Jumbo(Jo5) Rs. 9000	Jumbo(Jo5) Rs. 9500
	Other than Mumbai, Panvel, Pune, & Solapur -	Small Rs. 800	Small Rs. 1000
		Medium Rs. 1200	Medium Rs. 1500
		Big Rs. 2000	Big Rs. 2500
		Jumbo Rs. 2500	Jumbo Rs. 3000
		Jumbo(LK) Rs. 4000	Jumbo(LK) Rs. 4500
18	Addition/Deletion of names	NIL	NIL
19	Confirmation of signature/address confirmation/photo attestation	Rs.30 per request	Rs.30 per request
20	Issue of Loose Cheque	Rs. 15 per Cheque	Rs. 15 per Cheque
21	MMS Set up Charges	Rs. 100	Rs. 100
22	Account Closure Charges* No closure charges applicable if account is closed and opened at any other KUCB Branches and closure proceeds are transferred to newly opened account No closure charges in case the customer has multiple accounts having same title and wishes to close any account amongst the same. *No closure charges on account of death of customer.	If Closed on or before 1 year-Rs. 240 If Closed after 1 year-Rs.120	Saving Account - Rs. 200 Current Account - Rs. 300
23	Trustee Execution Fees	Fees as per Tariff Card of Trustee & Executorship Services	Fees as per Tariff Card of Trustee & Executorship Services
24	Tax Payment Charges	Upto Rs. 3 Lakh-Rs.70 per Transaction Above Rs.3 Lakh -Rs.140 per Transaction	Upto Rs. 3 Lakh-Rs.70 per Transaction Above Rs.3 Lakh -Rs.140 per Transaction
25	Inability to carry out standing instructions due to insufficient balance in the account (After 5 Occasions in a year)
	Savings Account	Rs. 50 per Occasion	Rs. 50 per Occasion
	Other Accounts	Rs. 60 per Occasion	Rs. 60 per Occasion
26	Locker Operation Charges (Applicable from 01/05/2023)	Fist 5 operation in every month - NIL After 5 operation in every month- Rs. 50 per operation	Fist 5 operation in every month - NIL After 5 operation in every month- Rs. 50 per operation
27	Gold Loan -Custody Charges	Rs. 300 Per 100 gm or part thereof	Rs. 300 Per 100 gm or part thereof
28	Gold Loan Valuation Fee	Re. 3/- per 1000 or part thereof on the basis of gold vauation	Re. 3/- per 1000 or part thereof on the basis of gold vauation
29	Processing Fees
	Karad Urban Krushi Sanjeevani Karj Yojana	0.30% of Loan Amount (Minimum Rs. 2500)	0.30% of Loan Amount (Minimum Rs. 2500)
	Karad Urban Vastupurti Gruh Karj Yojana	0.30% of Loan Amount (Minimum Rs. 1500 )	0.30% of Loan Amount (Minimum Rs. 1500 )
	Karad Urban Udyogvardhini Karj Yojana	0.30%of Loan Amount (Minimum Rs. 2500 )	0.30%of Loan Amount (Minimum Rs. 2500 )
	Urban Vidyajyoti Educational Loan Scheme	0.30% of Loan Amount (Minimum Rs.2500 )	0.30% of Loan Amount (Minimum Rs.2500 )
	Karad Urban Akshay Urja Karj Yojana	0.30% of Loan Amount (Minimum Rs. 2500)	0.30% of Loan Amount (Minimum Rs. 2500)
	Karad Urban Vahan Karj Yojana	0.60% of Loan Amount (Minimum Rs. 600)	0.60% of Loan Amount (Minimum Rs. 600 )
	Laptop Kharedi Karj Yojana	Rs. 500	Rs. 500
	Saksham Patdharak Karj Yojana	0.20% of Loan Amount (Minimum Rs. 600)	0.20% of Loan Amount (Minimum Rs. 600)
	Karad Urban Sukshm Ann Prakriya Udyog	0.30% of Loan Amount (Minimum Rs. 2500)	0.30% of Loan Amount (Minimum Rs. 2500)
	Unsecured Loan for Women	No Processing Fee	No Processing Fee
	Consumer Durable Loan Scheme	0.30% of Loan Amount (Minimum Rs. 1200 )	0.30% of Loan Amount (Minimum Rs. 1200 )
	Karad Urban Krushi Sanjivani Karj Yojana (Cash Credit)	0.30% Loan Amount (Minimum Of Rs. 2500)	0.30% Loan Amount (Minimum Of Rs. 2500)
	Karad Urban Arthik Vikas Karj Yojana	0.30% Loan Amount (Minimum Of Rs 2500/-)	0.30% Loan Amount (Minimum Of Rs 2500/-)
	Sakal Vehicle Loan Scheme		0.25% Loan Amount (Minimum Of Rs 600/-)
	Letter of Credit	Rs. 600 per LC Issue	Rs. 600 per LC Issue
	Subsidy Proposal	Rs. 5000	Rs. 5000
	Other Loans
	Municipality	Upto Rs.1 L - Rs.445 Rs. 1L to 5L - Rs.890 Above Rs.5L - Rs.890+ 1.20% of Amt Above 5L	Upto Rs.1 L - Rs.445 Rs. 1L to 5L - Rs.890 Above Rs.5L - Rs.890+ 1.20% of Amt Above 5L
	Grampanchayat	Upto Rs.1 L - Rs.300 Rs. 1L to 5L - Rs.600 Above Rs.5L - Rs.600+ 1.20% of Amt Above 5L	Upto Rs.1 L - Rs.300 Rs. 1L to 5L - Rs.600 Above Rs.5L - Rs.600+ 1.20% of Amt Above 5L
30	Nonfunded Credit Facility Commission
	Bank Guarantee
	100% FD	0.30% of BG Amount per year (Minimum Rs. 500 )	0.30% of BG Amount per year (Minimum Rs. 500 )
	Fully/Partly Secured (FD+Property)	3.00% of BG Amount per year (Minimum Rs. 1200 )	3.00% of BG Amount per year (Minimum Rs. 1200 )
	Fully Secured (with other bank)	3.00% of BG Amount per year (Minimum Rs. 1200 )+Other Bank Actual Commision	3.00% of BG Amount per year (Minimum Rs. 1200 )+Other Bank Actual Commision
	Letter of Credit	3 % of LC Amount per year	3% of LC Amount per year
	Solvency Certificate	0.12% of Solvency Certificate Amount (Minimum Rs. 1200 ) (Maximum Rs. 20000 )	0.12% of Solvency Certificate Amount (Minimum Rs. 1200 ) (Maximum Rs. 20000 )
	Bank Credit Facility Certificate	0.12% of Bank Credit Facility Certificate Amount (Minimum Rs. 1200 ) (Maximum Rs. 20000 )	0.12% of Bank Credit Facility Certificate Amount (Minimum Rs. 1200 ) (Maximum Rs. 20000 )
31	Loan Application Fee
	Govt.Securities, Gold Loan, Cheque Discounting & T.O.D. (Borrower)	Rs. 30	Rs. 30
	Borrower	Rs. 120	Rs. 120
	Co-Borrower	Rs. 60	Rs. 60
33	Pre-Closing Loan Accounts Charges
	For Cash Credit Above 5L	2.40%	2.40%
	For Term Loan Above 5L (other than Individual Borrower)	2.40%	2.40%
33	No dues Certificate	Rs. 100	Rs. 100
34	Other Charges
	CIBIL Report Charges	Consumer Report Charges Rs. 120/- Commertial Report Charges Rs. 2000/-	Consumer Report Charges Rs. 150/- Commertial Report Charges Rs. 1500/-
	Cash Credit Review / Renewal Charges	Upto Rs. 25 Lakh Rs.600/- 25 Lakh to 50 Lakh Rs. 1200/- 50 Lakh to 100 Lakh Rs. 2400/- Above 100 Lakh Rs. 6000/	Upto Rs. 25 Lakh Rs.600/- 25 Lakh to 50 Lakh Rs. 1200/- 50 Lakh to 100 Lakh Rs. 2400/- Above 100 Lakh Rs. 6000/
	CERSAI Registration Charges	Loan upto Rs. 5 Lakh - Rs. 120/- Loan above Rs. 5 Lakh- Rs. 240/	Loan upto Rs. 5 Lakh- Rs. 75/- (Per Entry Registration) Loan above Rs. 5 Lakh- Rs. 150/- (Per Entry Registration)

Return Code	Reasons for Return Charges
1	Insufficient Fund
2	Exceeds Arrangement
3	Effects not Cleared; Present again
4	Refer to drawer
10	Drawers Signature Incomplete
12	Drawers Signature Differs
13	Drawers Signature Required
14	Drawers Signature not as per mandate
17	Alterations Require drawers authentication
32	Instrument Undated without proper date
34	Amount in words and figures differ
88	Payees Name Required

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Service Charges Applicable From 01/04/2025

Inward & Outward Clearing Cheque Return Reasons