GST (Goods & ServiceTax) will be charged on all commission & charges
Present Rate of GST Applicable is 18% w.e.f. 01.07.2017
 
A) ADVANCES 
Processing Charges
i) Upfront Processing charges (Non refundable) Except for MSME loans upto Rs.5.00 lakhs
Upto Rs.50,000/- Rs.250/-
Upto Rs.1,00,000/- Rs.500/-
Upto Rs.5,00,000/- Rs.1,000/-
Above Rs.5,00,000/- Rs.2,000/-
Above Rs.1,00,00,000/- Rs.10,000/-
ii) Processing charges (inclusive of upfront charges)
Type of Loan
MSME loans upto Rs.5.00 lakhs NIL
MSME loans above Rs.5.00 lakhs to Rs.100 lakhs 0.60%
Other Business Loans upto Rs.100 lakhs 0.60%
MSME & Other Business Loans above Rs.100 lakhs 0.60% of loan amount subject to maximum of Rs.1.00 lakh
Gold Loan upto Rs.50,000/- Rs.5/- per thousand (minimum Rs.100/-)
Gold Loan above Rs.50,000/- 0.30% of loan amount (min. Rs.250/- and maximum Rs.5000/-) 
Top Up Loan 0.30% of the loan amount.
For Other Loans other than those mentioned above
Upto Rs.50,000/- Rs.10/- per thousand (min Rs.250/- including upfront charges)
Above Rs.50,000/- 0.60% of loan amt (min Rs.500/- including upfront charges)
In case of recovery of upfront processing charges, balance charges to be recovered on acceptance of sanction letter
Prepayment Charges
Pre-Payment charges on floating rate term loans to individual borrowers. Nil
Pre Payment charges for non individual borrowers on floating rate term loans (in case of takeover by other Insitutions) 2% of outstanding amount
No dues certificate 
(a) For borrowal accounts Free
(b) For non-borrowal accounts Rs.50/-
Solvency Certificate  Rs.100/-+0.25% of the solvency amount subject to a minimum of Rs.250/- maximum of Rs. 15000/-
Late payment of EMI/ instalment/ interest 2% penal interest on overdue amount of principal/ interest
Non review of limits 2% penal interest  on the Balance outstanding 
Commitment charges 1% p.a. of the advance amount not availed of within 3 months of the sanction date 
Stamp documents  At Government applicable rates
Nominal Membership fees Rs.100/- per applicant & guarantor
Non-submission of Stock, Book debts, Creditors statement and Audited Financials 2% penal interest for the period of delay
Review of CC/OD/MOD  0.20% of the loan amount min Rs.500/- maximum Rs.25,000/-
Inspection of stock/book debts/ factory/ plant & machinery Rs.100/- per visit + actuals
Reminders for stock statements and renewal of CC/ OD limilts Rs.100/- per instance
Recovery visit charges/other recovery proceeding charges Rs.100/- + actuals per instance.
For charges for unsuccessful execution of SI's/return of installment/EMI cheque Above Rs.5000/-   Rs.50/- for every instance
Safe custody charges gold loans closed but pledged ornaments not collected within 1 month Rs.100/- per month to be charged every month till collection
Sealing taking charge of immovable property Rs.1000/- + actual expenses incurred.
For amendment in sanction terms/ revalidation of sanction letter 0.1% of loan amount minimum of Rs. 500/- & maximum Rs. 5,000/-
B) Registration of charges with CERSAI
Form I  Creation & Modification of security interest in favour of secured creditors
Upto Rs.5 lacs Rs.50/-
Above Rs.5 lacs Rs.100/-
Form II   Satisfaction of existing Security Interest Nil
Form III  Particulars for Securitization or Reconstruction of Financial Assets (for acquisition of financial assets for the purpose of securitization or reconstruction of Financial Assets) Rs.500/-
Form IV  Satisfaction of Securitization or Reconstruction of Financial Assets Rs.50/-
Form IV  Any application for information recorded/ maintained in the Register by any person Rs.10/-
Form IV  Condonation of delay charges (additional fees not exceeding 10 times of basic fee, as applicable)
Delay Period From Upto Rs. 5 lakhs Above Rs. 5 lakhs
31st-40th day Rs. 100/- Rs. 200/-
41st- 50th day Rs. 250/- Rs. 500/-
51st-60th day Rs. 500/- Rs. 1,000/-
C) BANK GUARANTEE
Commission will be recovered as per BG period
BG period will be rounded off in multiples of 3 months
 Fully Secured by Cash/Bank Term deposits Rs.100/- +0.50%p.a. of Bank Guarantee Amount
 Guarantee secured by security other than cash / Bank's Term deposits Rs.100/- +2%p.a.  of Bank Guarantee Amount.   Minimum one quarter commission non refundable
(Minimum commission on a guarantee - Rs.100/- + charges applicable for a period of minimum 6 months in case BG period is less than 6 months)
RENEWAL - Bank guarantee Same as for issue of fresh guarantee. If renewal is during claim period of original BG then the claim period  already charged will not be charged at the time of renewal.

GST (Goods & ServiceTax) will be charged on all commission & charges
Present Rate of GST Applicable is 18% w.e.f. 01.07.2017
 
Fee Based Services
1) Lockers
(a)Type of Lockers** 1st Year 2nd Year 3rd Year
 
Small Size1 (6" x 4" x 18") Rs.1000/-  p.a Rs.1000/-  p.a Rs.1000/-  p.a
Small Size 2 (11" x 7" x 20") Rs.1000/-  p.a Rs.1000/-  p.a Rs.1000/-  p.a
Medium Size1 (13" x 4" x 18") Rs.2,500/- p.a Rs.2,500/- p.a Rs.2,500/- p.a
Medium Size 2 (11" x 7" x 20") Rs.2,500/- p.a Rs.2,500/- p.a Rs.2,500/- p.a
Large Size 1(13" x 10" x 18") Rs.4,000/- p.a Rs.4,000/- p.a Rs.4,000/- p.a
Large Size 2 (14" x 11" x 20") Rs.4,000/- p.a Rs.4,000/- p.a Rs.4,000/- p.a
Large Size 3 (21" x 07" x 20") Rs.4,200/- p.a Rs.4,200/- p.a Rs.4,200/- p.a
Large Size 4(21" x 16" x 20") Rs.4,500/- p.a Rs.4,500/- p.a Rs.4,500/- p.a
 
Nature of Service Service Charges
(b)Key Deposits * Small Size1  Rs.4,000 /-
  Small Size 2  Rs.4,000 /-
  Medium Size1 Rs.10,000/-
  Medium Size 2  Rs.10,000/-
  Large Size 1 Rs.16,000/-
  Large Size 2  Rs.16,000/-
  Large Size 3  Rs.16,800/-
  Large Size 4 Rs.18,000/-
 (c) Agreement charges Rs.100/-
(d) Delay in payment of locker rent Small Rs.25/- p.m. Medium Rs.50/- p.m. Large Rs.100/- p.m. to be charged  till rent is received. 
(e) No of Locker operations Free - 10 Locker operations per month.  Use of locker operations exceeding 10 in a month - Charge of Rs 100/- per instance per month
(f) Reminder for locker rent Rs.25/- + actual postage charges
 
**For existing lockers only the revised rentals will be applicable and not the revised security Deposit as mentioned above
**For all lockers allotted after 1st May 2016 locker rentals as well as security deposit will be as mentioned above
 
2) Transaction Service Charges for ATM
Nature of Service Service Charges
Annual Fees for ATM Card Free  
Card Issuance fee Rs.100/- 
Card Replacement within India  Rs.150/- 
Card Replacement (Abroad)  Rs.150/- .(+ Actual courier charges)
PIN Regeneration Rs.100/-
All Transaction on Citizencredit  Co-op Bank ATMs  Free  for our Bank customers
 
NFS/Rupay Member Bank ATMs
Free 5 Transactions per month inclusive of both Financial and Non Financial Transactions
Above 5 Transactions - Financial Transaction Rs. 17/- 
Above 5 Transactions - Non Financial Transaction  Rs. 9/- 
 
3) Demand Draft / At par instrument Charges 
Nature of Service Service Charges
Demand Draft  
ICICI Bank DD Rs.2/- per 1000/- subject to minimum of Rs.25/-
Other Banks DD Other bank charges + Rs.50/-
  (Reimbursement of out of pocket expenses(if any) would be on actuals.
 
DD/ At par Cancellation charges of ICICI  Rs.50/- per DD
DD Cancellation charges of other banks Other bank charges + Rs.25/- per DD
DD Revalidation charges Rs.50/-per DD
 
Payorder Charges
Upto Rs.500/-  Rs.10/-
Rs.501/-  upto Rs.1,000/- Rs.20/-
Rs.1,001/-  upto Rs.5,000/- Rs.30/-
Rs.5,001/-  upto Rs.10,000 Rs.50/-
Above Rs.10,001/-  upto Rs.1 lac Rs.1/- per Rs.1000/- or part thereof minimum Rs.50/-
Above Rs.100,000/- Rs.1/- per Rs.1000/- or part thereof minimum Rs.100/-
 
Payorder Cancellation charges Rs.25/- per payorder
Payorder Revalidation charges Rs.25/- per payorder
Duplicate Payorder charges Rs.50/- per payorder
 
Payorder for Non-customers (cash handling)
Upto Rs.1000/-  Rs.40/-
Rs.1001/-  upto Rs.5000/- Rs.60/-
Rs.5001/-  upto Rs.10000 Rs.100/-
Rs.10001/-  upto Rs.50,000/- Rs.3 per Rs.1000/-or part thereof min Rs.100/-
Payorder to be issued to non customers by way of cash should be upto a maximum amount of Rs.50,000/-
 
4) Outstation Cheques for Collection  (OBC)  Maximum OBC charges -per instrument- inclusive of postage/courier, out of pocket expenses.
Nature of Service Service Charges
OBC                     Charges per instrument Savings A/c Customer Other Customers
Upto Rs.500/-                           Rs.5 Rs.25 Rs.50
Upto Rs.1000/-                        Rs.10 Rs.25 Rs.50
Rs.1001/-   upto Rs.5000/-          Rs.20 Rs.25 Rs.50
Rs.5001/-   upto Rs.10000        Rs.30 Rs.50 Rs.50
Rs.10001/-   upto  Rs.1 lac  Rs.3 per Rs. 1000 Rs.100 Rs.100
Above Rs.100000/-     Rs.150 Rs.150
 
IBC:
Upto Rs.1000/-  Rs.20/- + postage
Rs.1001/-   upto Rs. 5000/- Rs.40/- + postage
Rs.5001/-   upto Rs.10000/- Rs.60/- + postage
Rs.10001/-   upto Rs.1 lac Rs.6/- per Rs.1000 or part thereof min. Rs.60/-
Above Rs.100000/-   Rs.5/- per Rs.1000  or part thereof min Rs.600/- Max Rs.5000/-
 
5 ) National Electronic Fund Transfer (NEFT)
Nature of Service Service Charges
Inward Free
Outward  
Upto Rs.10,000/- Rs.2.50 per transaction
Rs.10,001/- to Rs.1.00 lakh Rs.5/- per transaction
Above Rs.1.00 lakh to Rs.2.00 lakhs Rs.15/- per transaction
Above Rs.2.00 lakhs Rs.25/- per transaction
 
6) RTGS
Nature of Service Service Charges
Inward Free
Outward  
Above Rs.2.00 lakhs to Rs.5.00 lakhs Rs.25/- per transaction + time varying tariff subject to a maximum of Rs. 30/-
Above Rs.5.00 lakhs Rs.50/- per transaction + time varying tariff subject to a maximum of Rs. 55/-
Time Varying Tariff.
Block Settlement Time at RBI
Block 1 08.00 to 11.00 hrs Nil
Block 2 11.00 to 13.00 hrs Rs.2/- per transaction
Block 3 13.00 to 16.30 hrs Rs.5/- per transaction
Block 4 16.30 onwards Rs.10/- per transaction
 
7) Handling charges for Cheques / Bills / ECS returned unpaid
Nature of Service Service Charges
a Outward Returns  Rs.100/- per cheque returned
  (Cheque deposited by our customers) Registered A.D / Courier charges for returning the cheque to the customer
 
b Inward Returns  Upto Rs.1 lakh -Rs.300/- per cheque 
  (Cheques drawn by our customer on their accounts) Above 1 lakh upto Upto Rs.5 lakh-Rs.500/- per cheque 
  Above 5 Lakhs Rs. 1,000/- per cheque
 
c ECS - Debit returns  Rs.300/- per ECS return
 
d No charge on Inward Cheque Return/ ECS Debit Return/ Outward Cheque Return due to Technical Reasons (Annexure IV)
 
 
e Outstation cheques 50% of collection charges (min Rs.25/- +Actual Courier / Registered A.D charges)
 
f Local bills Rs.25/- per bill + Actual Courier / Registered A.D charges
 
g Outstation bills 50% of collection charges (min Rs.25/- + Actual Courier / Registered A.D charges)
 
h Inter-branch cheque returns
  Outward Returns Rs.100/- per cheque return
  Inward Returns Rs.300/- per cheque return
 
8) Cheque book charges
Nature of Service Service Charges
(a) Savings Bank account Cheque Book (15 leaves) (1) Free -4 cheque books per Financial Year.    
(2) Additional Cheque book  for the financial year will be Rs.2/- per leaf 
(only one cheque book will be issued at a time) 
(b) Current/Overdraft account Cheque book (30 leaves) Rs.2/- per cheque leaf
Registered AD charges as applicable will be borne by the customer if the cheque book is not collected within 5 working days from the branch.
 
9) No dues certificate 
Nature of Service Service Charges
(a) For borrowal accounts Free
(b) For non-borrowal accounts Rs.50/-
 
Other Charges
A] SAVINGS /CURRENT ACCOUNT CHARGES
Nature of Service Service Charges
1 Minimum Balance Charges SB A/c (Operative) - With and without cheque book 5% of  the difference between the actual balance maintained and minimum balance as agreed upon at the time of opening the account **
  SB A/c (Inoperative) Nil
  No frills A/c Nil
  CD A/c 100/ per month
  ATM Linked SB A/C 5% of the difference between the actual balance maintained and minimum balance as agreed upon at the time of opening the account **
  SBJR A/c 5% of the difference between the actual balance maintained and minimum balance as agreed upon at the time of opening the account **
  BSBDA NIL
  BSBDA (Small) A/c NIL
** A SMS alert  will be sent in the event the balance has fallen below the minimum  balance for the SB A/c (Operative & Inoperative ), ATM Linked    & SBJR Account
 
2 Minimum Balance Amount SB A/c Rs.200/- for accounts without cheque book facility
  SB A/c Rs.1000/- for accounts with cheque book facility
  No frills A/c Rs.100/- without cheque book facility
  CD A/c Rs.2000/- for Normal  accounts
  ATM Linked SB A/C Rs.1000/-
  BSBDA NIL
  BSBDA (Small) A/c NIL
 
3 Duplicate passbook charges SB A/c Rs.50/- per instance
  with previous entries per month No frills A/c Nil
 
4 Duplicate statement charges Rs.50/- per ledger page
 
5 Issue of duplicate Term Deposit Receipt, duplicate interest  certificate, duplicate remittance certificate Rs.50/- per ledger page
 
6 For issue of photocopy of a cheque or other documents, per instance Rs.100/- for records of more than 1yr and Rs.25/- for records less than a year. Xerox charges extra
 
7 Change in operational instructions for current/overdraft account - addition/deletion of name of partners/ directors (other than Co-op. Societies) Rs.25/- per occasion
 
8 Account Service Charges OD/CD/ CC A/c s
  Average Balance
  Upto Rs. 25000/-                           Rs.50/- per folio per quarter
  Rs.25,001/- upto  Rs.50,000/-         Rs.40/- per folio per quarter
  Rs.50,001/-  upto Rs.1 lac                No charges
  Rs.100,001/-  upto Rs.2 lacs           No charges
  Above Rs.2 lacs                     No charge
  Account Service Charges on Overdraft against Term Deposits Nil
  Current and Overdraft accounts having average credit quarterly balance of over Rs 50,000/-      Nil
 
B FOREIGN EXCHANGE TRANSACTIONS
  Nature of Service Service Charges
  Remittances - Inward & Outward
  Inward  
  (a) Direct Remittances Other Bank charges + our Bank Charges Rs.100/-
  (b) Realization of Foreign Cheques Other Bank charges + our Bank charges @ 0.25% of the cheque realized amount (Minimum of Rs. 50/-)
  Outward:
  (a) Foreign Telegraphic Transfer Other bank charges + Our Bank charges Rs.200/-
  (b) Foreign Demand Drafts Other bank charges + Our Bank charges Rs.200/-
  Encashment of Foreign Currency Notes / Travellers Cheques / Travel Currency Card Rs. 25.00
  Selling of Foreign Currency Notes / Travel Currency Card Rs. 25.00
 
C MISCELLANEOUS
  Nature of Service Service Charges
1 Balance enquiry Nil
2 Balance Certificate Free
3 Interest Certificate  Free
4 Account closure  
  Within 14 days from the 1st deposit Nil
  Above 14 days to  6 months  (SB) Rs.100/-
  Above 14 days to  6 months  (CD) Rs.500/-
5 Photo attestation / Identity verification charges Rs.25/- per verification per instance
6 Cheque clearance confirmation Free
7 Stop payment charges Rs.100/- per cheque per instance and Rs.500 for loss of entire Book
8 Signature attestation charges Rs.25/- per verification per instance
9 Postage charges  
   (a) Registered Post Actuals
   (b) Courier charges Actuals
   (c) Ordinary post Actuals
10 Withdrawal limitation in SB a/c's 60 withdrawals free - Incidental charges of Rs.2/- per excess withdrawal
11 ECS Charges Nil
 
D DEPOSITORY SERVICES w.e.f. 01.4.2015
  Nature of Service Service Charges
  Account opening / closing Nil
  SPEED-e Agreement Rs.100
  SPEED-e REGISTRATION   Rs.1000/- Registration 
  KYC Registration Charges  Rs.50/- per form
  SPEED-e FACILITY  
  a)  Transaction Charges  @ 0.03% of the transaction value (minimum Rs.30/- per scrip)
  b)  Freeze Instruction                                   Rs. 100/- per transaction (only for e-token users)
  c)  E-token (USB device)    At Cost 
  Transaction Charges  
  a)  All Purchase Nil
  b)  Market/ off-market  Sale @0.04% of the transaction value (min Rs.40/- per scrip)
  c)  Interdepository Sale @0.04% of the transaction value (min Rs.40/- per scrip)
 
  Demat Charges Rs.3.00 per certificate'(subject to min Rs.50)
  Remat Charges Rs.50/- per certificate 
  Annual Maintenance charges- Individual Rs.480/- p.a. (to be recovered upfront )
  Annual Maintenance charges- corporate Rs.800/- p.a. (to be recovered upfront )
  Annual Maintenance charges- BSDA NIL for value of holdings upto Rs.50,000
    Rs.100/- for value of holdings Rs.50,001-2 lacs
  Pledge / Hypothecation
  Creation/ Closure/ Invocation  @0.03% of the transaction value (min Rs.50/- per scrip)
 
  Failed Instructions Rs.25/- per scrip
  Late Charges Rs.100/- per occasion
  Stop Charges Rs.100/- per scrip
  Additional statement Rs.25/- per statement for a maximum of 10 pages and more than 10 pages Rs.5/- per page to a max of Rs.100/- per statement
 
  Note: 
  1. Transaction and Pledge will be billed on a monthly basis. All other charges will be recovered on spot              
  2. Minimum charges for Demat is as per Dematerlisation Form submitted
  3. Courier / Postage for demat requests and Fax charges will be on actuals
  4. Additional copy of statements at Rs. 25/- per statement (Maximum of 10 pages). Thereafter Rs.5/- per additional page, subject to a maximum of Rs.100/- per statement.
  5. Rates subject to change from time to time as per Bank’s discretion on a prior notice of 30 days.
  6. The above charges are exclusive of tax which is currently @18%
  7. Any service not quoted above will be charged separately.
  8. *Annual Maintenance Charge are refundable and will be levied upfront for a period of one year at the beginning of the financial year w.e.f. 01.04.2010. For accounts opened during the year, AMC will be recovered upfront from the month in which the account is opened to the end of the financial year
  9.Value of the transaction will be in accordance with rates provided by NSDL as on the transaction date or the preceding working day in case of transaction done on a Saturday.  
  10.If the value of the securities held in the BSDA a/c any day exceeds the cutoff limits (ie Rs 50,000/- and Rs 2,00,000/- ) AMC as applicable will be charged from that date onwards for the entire year.
 
E FRANKING CHARGES
  Nature of Service Service Charges
  Franking Charges  Service Charges
 
  E-SBTR   
  Simple receipt Rs. 50/-  to be charged from the customer upfront
  Rs 5,000/- and below non registrable documents can be done under Simple receipt.
  e-SBTR
  Registrable documents which are Rs 5,000/- & above. e-SBTR free for customer
 
F SERVICES RENDERED FREE OF CHARGE
a Cheque Collection - Local ECS Mandate No due certificate-Borrowal accounts 
 
b Miscellaneous
  Balance enquiry Balance Certificate Interest Certificate 
  Savings Cheque book ( 2  books) Cheque clearance  Passbook updation / Statement of Account
 
c Depository Services
  Account opening / closing Market Purchase Transaction Interdepository Purchase Transactions