NAME OF BANK : BANK OF BARODA SERVICE CHARGES AND

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NAME OF BANK : BANK OF BARODA

SERVICE CHARGES AND FEES SECTION – I DEPOSITS AND ALLIED SERVICES ( Service Tax at applicable rate will be levied on service charges)

Sr No.

AREA OF BANKING SERVICE

EXISTING SERVICE CHARGES EXCLUDING SERVICE TAX

PROPOSED SERVICE CHARGES –EXCLUDING SERVICE TAX

w.e.f 01.11.2015

1. Ledger folio charges

Applicable to CA ( including RRBs), & CC, OD (excluding loan against banks own deposits & Fast Access) Rs. 50/- per ledger page - Current Accounts Free folio allowed p.a. based on Av. Cr. bal. as follows: Av.Cr. Bal (Rs.) Free folios Upto25000/- NIL Above 25000/- & upto to 50000/- 4 Above 50000/- All Free NOTE: For a/cs maintained on computers, 30 entries or part thereof to be treated as one ledger page.

Applicable to CA ( including RRBs), & CC, OD (excluding loan against banks own deposits & Fast Access)

Minimum ` 75/- .

- Current Accounts Free folio allowed p.a. based on Av. Cr. bal. as follows: Av.Cr. Bal (Rs.) Free folios Up to Rs.1 lac Nil Above Rs.1 lac - All Free NOTE: For a/cs maintained on computers, 25 entries or part thereof to be treated as one ledger page. Ledger folio charges to be recovered on quarterly basis.

Transaction Charges

- Savings Bank Accounts For SB A/cs No folio charges - However not more than 100 debits (other than service charges & debits on account of transfer to auto sweep account) per half year should be allowed in SB a/c and in case the number of debits

exceeds 100 a service charge of ` 10/-

per debit exceeding 100 be charged. Ledger folio charges to be recovered on half yearly basis at the time of half-yearly closing.

- Savings Bank Accounts For SB A/cs No folio charges - However not more than 50 debits per half year should be allowed in SB a/c and in case the number of debits exceeds 50 a

service charge of ` 15/- per debit

exceeding 50 be charged. Following transactions are excluded.

1. Standing Instructions

2. Transactions through ADC

incl.ECS

3. Auto sweep, system generated

(service charge, interest etc.)

Transaction charges to be recovered on half yearly basis at the time of half-yearly closing.

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2. a) Charges for issue of Duplicate Statement / Pass Book

Individual:

First Pass Book free

` 50/-- per Pass Book / Statement with

latest balance only. Charges for

previous entries (if required) `.50/- per

ledger page or part thereof.

Individual:

First Pass Book free

` 100/-- per Pass Book / Statement

with latest balance only. Charges for

previous entries (if required) ` 75/- per


Non- Individual-

` 100/- per Pass Book / Statement with




Note: For accounts maintained on computers, 30 entries or part thereof be treated as one ledger page.

Non- Individual-

` 150/- per Pass Book / Statement with




Note: For accounts maintained on computers, 25 entries or part thereof be treated as one ledger page.

b) Issue of letter of acknowledgement/ duplicate TDR in case of loss of TDR

For Acknowledgement ` 25/-

For Duplicate TDR ` 80/-

For Acknowledgement ` 50/-

For Duplicate TDR ` 150/-

3. Cheque Book Issuance Charges

Savings Bank :

In SB Accounts of individuals - 40 leaves will be free in a financial year. Free supply of cheque books in a SB a/c will be on pro-rata basis, i.e. 20 cheque leaves for -6- months (H.Y. April- Sept & Oct-March and/or part thereof) Subsequent cheque book as under:-

Personalized cheque book `.3/- per

cheque leaf

Non-personalized cheque book `.2.5 per

cheque leaf.

Cheque book of 15 leaves is supplied by RBO. In SB Accounts of individuals -45 leaves will be free in a financial year. Only two cheque books will be issued at a time. Thereafter Personalized and non personalized

cheque book ` 5.00/- per cheque leaf

CA/CC/OD/Fast Access: 1st cheque book is free and subsequent

cheque book @ ` 3/- per leaf for

MICR/NON MICR cheque books. Note: 1

st Cheque book means cheque

book of 50 leaves. In case of valued customers: -- Cheque

book issuance charges can be waived by Branch Manager

1st cheque book is free and subsequent

cheque book @ ` 5.00/- per leaf for

CTS/MICR/NON MICR cheque books. Note: 1

st Cheque book means cheque

book of 50 leaves. Wherever cheque books are printed by the customer after obtaining permission of Stationary and Security Form Department, Head Office, Baroda, the cost of paper should be recovered from the customer at the rate of Rs.500/- per 1000 leaves (over and above charges to

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w.e.f 01.11.2015

be paid by customer directly to the printer for printing.)

4. Opening & Maintenance of minimum balances

1) Current Accounts Individual / Non Individual

Rural / Semi-Urban – `.1,000/-*

Urban – Metro – `.10,000/- (QAB)*

Current Accounts Individual / Non Individual

Rural / Semi-Urban – ` 2,000/-*

Urban – Metro – ` 15,000/- *

* Quarterly Average Balance

2) Savings Bank Accounts. Rural / Semi-Urban

Opening of Account –Min. ` 500/-

Maintenance of minimum balance

Quarterly Average Balance-– ` 500/-*

Urban / Metro




Savings Bank Accounts. Rural / Semi-Urban




Urban / Metro




3) Savings Bank A/c - No frills A/c (Nagrik Bachat Khata) Nagrik Bachat Khata

` 50/-(All centres)

Note: ` .50/- is opening requirement

only. Maintaining minimum balance of

` 50/- not necessary.

Addition: Baroda Basic Savings Bank account Zero balance

4) Pensioners

` 5/- for all centres.

( * Already implemented) Note : No Minimum Balance charges in

SB a/cs to be recovered from employees’ institutional salary a/cs i.e. not only institutions maintaining account with the branch but also of employees whose salary is paid through SB a/cs maintained with the branch. Branches can open zero balance a/cs of such institutional employees whose salary is paid through us.

Baroda Pensioners Savings Bank account Nil Note : No Minimum Balance charges in

SB a/cs to be recovered from employees’ institutional salary a/cs i.e. not only institutions maintaining account with the branch but also of employees whose salary is paid through SB a/cs maintained with the branch. Branches can open zero balance a/cs of such institutional employees whose salary is paid through us.

Hence salary accounts to be opened / transferred to scheme code SB 113, 115

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w.e.f 01.11.2015

5. Charges for not maintaining minimum balance

Current Account Quarterly Average Balance (QAB) of

`.10000/- is not maintained :-

`.500/- per quarter

Current Account Urban/Metro Quarterly Average Balance (QAB) of

` 15000/- is not maintained :-

- ` 625/- per quarter

Rural/Semi Urban Quarterly Balance of Rs.2000/- not maintained – Rs.350/- per quarter

SB Accounts

Rural / Semi-Urban ` .50/- per quarter

Urban / Metro `.100 per quarter

.

SB Accounts

Rural / Semi-Urban ` 100/- per quarter

Urban / Metro ` 200 per quarter.

Charges will be levied as under Rural/Semi-Urban If QAB is in the range 250- 499- 50% 100-249- 80% Below 100- 100% Metro/Urban If QAB is in the range 500- 999- 50% 250-499- 80% Below 250- 100% ( Approved by Board 26.03.2015) Charges for not maintaining stipulated minimum balance is not to be recovered from inoperative Savings accounts -As stipulated by RBI. Approved by EMC vide agenda item J-2 dated 10.07.2014

Savings Bank - No frills A/c Nagrik Bachat Khata Nagrik Bachat Khata : NIL

Savings Bank - No frills A/c Baroda Basic Savings Bank account- NIL Baroda Pensioner’s Savings Bank account- NIL Baroda Salary Advantage Account - Nil

NOTE : If minimum monthly balance or minimum Quarterly Average Balance (QAB) as applicable are not maintained and any concessions and exemptions allowed during the month or Quarter as the case may be shall be withdrawn and in addition to minimum balance charges all service charges as otherwise applicable shall be levied.

NOTE : If required Quarterly Average Balance is not maintained, any concessions sanctioned must be reconsidered by the sanctioning authorities within next quarter.

6. Addition / Deletion of names in Joint Accounts/Change in operational instructions (including Lockers)

` 25/- per occasion.


No charges for deletion of name on account of death of customer in joint A/c.

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w.e.f 01.11.2015

7. Nomination ` 25/- per occasion.

First time nomination free. Modification / Change in nomination -

` 50/-

8. Charges for Standing instructions

No charge within same branch

i) `.25/- per transaction plus applicable

remittance charges in case of credits for outside the branch whether in same city or other cities i. e in other branches / Offices such as LIC etc. plus actual postage charges

ii) No charge for Super SB & Shubh SB A/cs.

No charge within the bank

i) ` 50/- per transaction plus

applicable remittance charges in case of credits for outside the branch whether in same city or other cities i. e in other branches / Offices such as LIC etc. plus actual postage charges

9. Charges for inability to carry out standing instructions due to insufficient balance in the account

`. 40/- per occasion.


10. Charges for Stop Payment instructions (Per instrument)

In case of loss of complete blank cheque book

S.B. - ` 50/- per instrument

CA./CC./OD - ` 100/- per instrument

S.B. - ` 100/- per instrument

CA./CC./OD - ` 200/- per instrument

In case of loss of complete blank cheque book Max. ceiling as below:

Savings Bank – ` 200/-

C.A./C.C./OD – ` 400/-

In case of loss of complete blank cheque book Max. ceiling as below:

Savings Bank – ` 500/-

C.A./C.C./OD – ` 1000/-

11. Charges for Cheque returned unpaid – Clearing / Transfer

Local cheques : (A)Cheque deposited & Returned

Unpaid (Inward Return) Rs.75/- per instrument. (irrespective

of nature of reasons) + ` 50/- out of

pocket expenses.

upto 1 lac - ` 125/-

Above ` 1 lac to less than ` 1 crore

- ` 250/-

Above ` 1 crore - ` 500/-

Cheque return due to technical reason – not at the fault of customer- No charges

Local cheques : (B) Cheque (drawn on us) returned (Outward Return)–

` 250/- (in respect of cheque returned

for financial reasons) and Rs.50/- for

other reasons + ` 50/- out of pocket

expenses.

Cheque (drawn on us) returned (Outward Return)– (Financial Reason) Upto 1 lac

- ` 250/-

Above ` 1 lac to less than ` 1 crore

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w.e.f 01.11.2015

In respect of inward clearing

cheques returned unpaid due to financial reasons, Intt. @ Base Rate+7.5% p.a. for the period the bank was out of funds is also to be recovered. The Intt. Is to be credited to P/L Intt. Received A/C (Others).

- ` 500/-

For ` 1 crore and above

- ` 750 per instrument

In case Bank remains out of funds :; actual interest @ 7.5% over base rate is to be charged extra

For other reasons – ` 250/-

For technical reasons- not at the fault of customer- No charges

12.

Incidental charges for inoperative accounts

A) Inoperative Savings Bank a/cs. i) Account maintaining stipulated

minimum balance - Nil ii) Account not maintaining stipulated

minimum balance - `.75/-at the time

of interest application as at end of 1st

year of inoperative status under advice to a/c holder.

iii) If the balance in the a/c is ` 75/- or

less - Entire balance to be appropriated towards service charges under advice to the account holder.

A) Inoperative Savings Bank a/cs. i)Account maintaining stipulated minimum balance - Nil ii) No penal charges on inoperative

Savings accounts where stipulated minimum balance is not maintained -

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For inoperative Current Account -

` 100/- per half year.

This charge is in addition to charges for not maintaining minimum balance. Branch should take care that in no case overdraft is created in the a/c due to recovery of Incidental charges in inoperative A/Cs. Branch should endeavor for making inoperative A/Cs into operative by follow up.

For inoperative Current Account -

` 200/- per half year.

This charge is in addition to charges for not maintaining minimum balance. Branch should take care that in no case overdraft is created in the a/c due to recovery of Incidental charges in inoperative A/Cs. Branch should endeavor for making inoperative A/Cs into operative by follow up.

13. Charges for issuance of Balance Certificate, at the request of customer

`.40/- per certificate (for individuals)

`.60/- per certificate (for others)

Normally free once in a year but in Premium & Privilege current account - free of charge

` 75/- per certificate (for individuals)

` 150/- per certificate (for others)

14. Charges for issuance of Interest Certificate, at the request of customer

First certificate free.

Additional ` 100 per copy

15. Premature closure of A/cs -(within a year)

SB A/c

Individual : `.100/-

Others : `.200/-

SB A/c

1. No charges if the account is

closed within 14 days of first

customer induced credit into the

account and if account is closed

due to death of Account Holder

2. Rs.200/- plus service tax if

account is closed beyond above

time but within 1 year of the first

customer induced transaction.(Excluding Small

Savings bank and Basic Savings

Bank accounts).

.

Current Account

Individual : `.100/-

Others : `.200/-

Current Account

Individual : ` 250/-

Others : ` 500/-

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w.e.f 01.11.2015

RD/ YSJY A/c

Individual : `.75/-

Others : `.100/-

Closure of Account due to death of Account Holder

No Charges

RD/ YSJY A/c

Individual : ` 100/-

Others : ` 150/-

Closure of Account (all types of account) due to death of Account Holder

No Charges

16. Issue of Solvency Certificate

Upto `.5/- lacs ---- `.500/-

Above `.5/-lac--- `.100/- per lac &

part thereof subject to

maximum of ` 15,000/-

NOTE: For issuance of capacity certificate for obtaining VISA for educational purpose for students- only 50% of the charges as mentioned

above subject to maximum `.1500/-.

Non commercial – ` 300 per lac

Commercial – ` 300 per lac.

Min. ` 1500/- Max. ` 25000/-

NOTE: For issuance of capacity certificate for obtaining VISA for educational purpose for students- only 50% of the charges as mentioned

above subject to maximum ` 2500

Charges for issuance of Bankers Certificate on behalf of contractor clients for participating in the Government tender.

`.500/- per certificate

` 1000/- per certificate

17. Opening accounts with restrictive operations

Current, Cash Credit, Over Draft Account

`. 200/- per half year

Savings Bank Account

`. 50/- per half year

Current, Cash Credit, Over Draft Account One time at the time of acceptance of instruction or at the time of modification

` 500/-

Savings Bank Account

` 100/-

18. Allowing operations in

an a/c through a) Power of Attorney b) Mandate

Savings Bank Accounts - `. 50/- per half

year Current, Cash Credit, Over Draft

Account - `. 200/- per half year

One time charges at the time of acceptance/modification of instructions.

Savings Bank Accounts - ` 500/-

Current, Cash Credit, Over Draft

Account - ` 1000/-

19. Change of authorized signatory including reconstitution of A/c.


` 100/- per change


` 250/- per change

20. Post parcel for Collection

Our usual collection charges plus

storage charges @ `.25/- per day with a

minimum of `. 100/-

Our usual collection charges plus

storage charges @ ` 50/- per day with a

minimum of ` 250/-

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w.e.f 01.11.2015

21 Copy of original of cheque / DD (paid by the Bank)

Rs.100 upto 6 months old record

Rest - ` 250

SECTION III COLLECTIONS

1. Collection of outstation cheques (By sending cheques physically) a) Through our

bank’s branches

Upto `.10,000/- - `. 50-

Above `.10,000/- to `..1/- Lac – `.100/-

`.1/- Lac and above – `.150/-

Above charges are inclusive of out of pocket expenses i.e. no postages. Discretion to Branch Manager to charge upto 50% of our charges in deserving cases.

CHARGES MANDATED BY RBI w.e.f. 30.03.2012

Upto ` 5,000/- - ` 25/-

Above ` 5,000/- and upto ` 10000/-

- ` 50/-

Above ` 10,000/- to ` 1/- Lac – ` 100/-

` 1 Lac to ` 5 Lac – ` 200/-

` 5 Lac to ` 10 Lac – ` 225/-

Above ` 10 Lac – ` 250/-

Above charges are exclusive of out of pocket expenses i.e. postages /courier extra.

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b) Direct through

other banks i.e. instruments drawn at a centre where we have no branch.

Above Charges are to be shared on 50:50 basis between collecting bank and paying bank and proceeds should be remitted through RTGS /NEFT to other bank. (pl refer Circular No. HO:BR:102: 55 dated 06.05.10)

Above Charges are to be shared on 50:50 basis between collecting bank and paying bank and proceeds should be remitted through RTGS /NEFT to other bank.

2.

Cheques collected through our branch for another bank

For Immediate credit of outstation cheques -- Our usual collection charges should be recovered in full.

For Immediate credit of outstation cheques -- Our usual collection charges should be recovered in full.

Outstation Cheque return charges

50% of collection charges

Collection of other Banks deposits / receipts on maturity

If proceeds are invested in FD for a minimum period of 1 year then no

charges. Else flat – ` 50/-

3.

Collection of Bills (Clean / Doc.-Demand & Usance)

a) Applicable to IBCs

Bills for Amount :

Upto `.100000/- - `.9/- Per `.1000/-

Or part thereof subject to

Minimum `.100/-.

Bills for Amount :

Upto ` 100000/- - ` 12- Per ` 1000/-

Or part thereof subject to

Minimum ` 100/-.

Above `. 1 lac `..8/- per `..1000/-

upto `.10/- or part thereof

lacs subject to a min. of

`..800/-

Above ` 1 lac ` 11/- per ` 1000/-

upto ` 10/- or part thereof

lacs subject to Minimum

` 1200/-

Above `.10/- `.6/- per `.1000/-

Lacs Min. `. 8,000/- &

Max. ` 10,000/-

Above ` 10/- ` 10/- per ` 1000/-

Lacs Min. ` 10,000/- &

Max. ` 12,000/-

Postage is to be recovered on actual basis.

Postage/Courier is to be recovered on actual basis in higher multiple of Rs.5/-

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b) Applicable to OBCs

Bills for Amount

Upto `.100000/- - `..7/- per

`..1000/- or part

thereof subject to

minimum `..50/-

Above `.. 1/- lac `..6/- per `.1000/-

& upto `..10/- lacs or part thereof

subject to a min. of

`.600/-

Above `. 10/- `..5.00 per

lacs `..1000/-

min. `.. 5000/- &

max. `.10000/-

Note: Branch Manager to waive/ reduce charges in deserving cases after examining the cost benefit. Postage is to be recovered on actual basis.

Bills for Amount

Upto ` 100000/- - ` 10/- per

` 1000/- or part

thereof subject to

minimum ` 100/-

Above ` 1/- lac - ` 9/- per ` 1000/-

& upto ` 10/- lacs or part thereof

subject to a min.

of ` 1000/-

Above ` 10/- ` 8/- per ` 1000/-

lacs Min. ` 9,000/- &

Max. ` 15,000

4. Handling charges for bills returned unpaid. Local Outstation

`.50/- per instrument

50% of the collection charges subject to

a min. `.100/-

Note: Postage is to be recovered extra.

` 100/- per instrument

50% of the collection charges subject to

a min. `.200/-

Note: Postage/courier is to be recovered on actual basis in higher multiple of Rs.5/-.

5. Charges for presentation of usance bills

`.60/- per bill. (Also in cases of BP/BD –

where there is a change in instructions.

` 100/- per bill. (Also in cases of BP/BD

– where there is a change in instructions.

6.

Change of original instruction in respect of OBC/IBC e.g. a) Delivering free of

payment b) waiving 'c' form

etc c) Allowing rebate d) Extending time for retirement

`..60/- per request

` 100/- per request

Section IV REMITTANCES

Sr. No.


Existing SERVICE CHARGES


w.e.f. 01.11.2015

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1. Issuance of DD/BC

Charges for DD / BC Individual:

Up-to `.10,000/- `..50/-

Above `.10000/- @ `.4.00 per

`..1,000/- or part

thereof subject to

Min. `.50/- & Max.

`..15,000/- + Cash

Handling charges.

Charges for DD / BC Individual:

Up-to ` 10,000/- ` 60/-

Above ` 10000/- @ ` 5.00 per `

1,000/- or part thereof subject to

Min. ` 50/- & Max. `

15,000/- + Cash Handling charges

Non-Individual:

Upto `.1000/- - `..40/-

Above `..1000/-to - `..50/-

`.10000/

Above `.10000 @ `.4.00 per

`.1000/- or part

thereof subject to

Min. `.50/- & Max.

`..15,000/- + Cash

handling charge Note :

i) At par issuance of DD/Bankers' cheque in respect of loan sanctioned by the branch and payment is made directly to the suppliers.

ii) Discretion to reduce/waive charges vested with Regional Manager on case to case basis upon recommendation of the branch subject to half yearly review - keeping in view the value of the account.

Non-Individual:

Upto ` 1000/- - ` 80/-

Above ` 1000/-to - ` 100/-

` 10000/

Above ` 10000 @ ` 5.00 per `

1000/- or part thereof subject to

Min. ` 60/- & Max. `

15,000/- + Cash Handling charge

Note :

i)At par issuance of DD/Bankers' cheque in respect of loan sanctioned by the branch and payment is made directly to the suppliers. ii)Discretion to reduce/waive charges vested with Regional Manager on case to case basis upon recommendation of the branch subject to half yearly review - keeping in view the value of the account.

2. Cancellation of DD/ Bankers' cheque and/or issue of fresh DD/ Bankers' cheque in lieu of lost one.

Individual:

`..100/- per instrument.

(In case of lost instrument, `..200/-)

Individual & Non Individual:

Up to ` 500/- Nil

Above ` 500/- ` 100/- per

instrument. In case of lost instrument,

Up to ` 500/- ` 20/-

Above ` 500/- ` 200/- per

instrument.

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DUPLICATE DD

Non Individual-

`.100/- per instrument.

Individual & Non Individual-

` 250/- per instrument.

3.

Against tender of cash for any mode of remittance

50% plus ST higher charges over floor rates

50% plus higher charges over floor rates

4 Remittance of fund through RTGS ( through Cheque) As per RBI circular RBI/2011-12/166-DPSS(CO)RTGS No. 388/04/04/.002/2011-12 dated 05.09.2011

With effect from 26.11.2011 (A) On all RTGS Transactions (INWARD)-- -NIL Total charges( Incl. Service Tax)

Transaction `2

Lacs

to `5

Lacs

Above

` 5

Lacs

Between 9.00 hrs.

to 12 hrs.

28/- 55/-

After 12 hrs. to

15.30 hrs.

29/- 56/-

After 15.30 hrs. to

17.30 hrs.

33/- 61/-

After 17.30 hrs. 33/- 61/-

With effect from 26.11.2011 (A) On all RTGS Transactions (INWARD)-- -NIL Total charges( Incl. Service Tax)

Transaction `2

Lacs

to `5

Lacs

Above

` 5

Lacs

Between 9.00 hrs.

to 12 hrs.

28/- 55/-

After 12 hrs. to

15.30 hrs.

29/- 56/-

After 15.30 hrs. to

17.30 hrs.

33/- 61/-

After 17.30 hrs. 33/- 61/-

5

Remittance of fund through NEFT through cheque/cash

(A) NEFT Transactions (INWARD) - Nil B) NEFT Transactions (OUTWARD):--

Up to `.1 lac - `..5/- per transaction

Above `. 1 lacs- to `..2 lacs - `..15/- per

transaction

Above `..2 lacs - `..25/- per transaction

A) NEFT Transactions (INWARD) - Nil B) NEFT Transactions (OUTWARD):--

Up to `.1 lac - Nil

Above `. 1 lacs- to `..2 lacs - `..15/- per

transaction

Above `..2 lacs - `..25/- per transaction

6 ECS Form / Mandate Verification

`.100/- per occasion

7 Payment of Fixed deposit to other bank

Remittance charges as applicable plus out of pocket expenses

SECTION – V MISCELLANEOUS SERVICES

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1.

Safe Custody Charges

Scrips - `. 5/- per scrip. Minimum

`..50/- per year or part thereof.

Sealed Covers: `.100/- per cover per

annum or part thereof.

Sealed Boxes: `..500/- p.a. per box

measuring not more than 200 cubic inches; proportionately higher charges for bigger boxes. Bank’s own Deposit Receipt : No charges

To be deleted

Sealed Covers: ` 350/- per cover per

annum or part thereof.

Sealed boxes – ` 3000/- per box per

annum (size 200 cubic inch)

Bank’s own Deposit Receipt : No charges

2. Service Charges for handling scrips

`. 30/- per block of 10 pieces of scrip or

part thereof, subject to a minimum of

` 30/- per account.

As per discretion of Regional Manager

3. Attestation of customer’s signature

`.50/- per instrument / occasion.

` 100/- per instrument / occasion.

In case of joint A/c. - ` 150/-

4 Inquiries relating to old records.

3 to 12 months old : `..50/- per item.

Above 12 months : `.200/- per item

Up to 3 months – free

3 to 12 months old : ` 100/- per item.

Above 12 months : ` 300/- per item

5

To ascertain fate of local cheques lodged in clearing, at the request of the customer.

FREE

Free under CTS.

6 Photo attestation

`.100/- per photo / occasion ` 200/- per photo / occasion

7 Cash Handling Charges-FOR CASH DEPOSIT (Applicable to base

branch and also to Local Non-base CBS branches)

Total cash deposited at Base and local Non-base branch AT BASE BRANCH a. Savings Bank Accounts : No charges upto `..1,00,000/- per day. b. Other than Savings Bank Accounts

No charges upto `.50,000/- per day.

c. In case cash deposit amount is beyond the amount mentioned in item (a) and (b), charges @ `.25/- per `.50,000 and part thereof to be recovered on the amount in excess of amount `.1,00,000/- per day

Total cash deposited at Base and local Non-base branch

a. Savings Bank accounts

Cash Deposit -Any Amount - Free of charge

(In case of cash aggregating

` 50000/- or more deposited with the

bank during any one day , customer is required to quote his/her PAN or submit form 60/61)

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(Savings Bank Accounts) and `.50,000/- per day (Other than Savings Bank Accounts).

NON BASE BRANCH

UPTO `.50,000/- –

NIL Above

`.50,000/- 50%

more than

above charges + ST

There is no change in Inter-sol cash deposit charges mentioned at section 13.

The powers to waive / reduce the cash handling charges, earlier vested with branches headed by Scale IV and above (Refer to Circular No. HO:BR:99/68 dated 17.05.2007) has since been withdrawn vide Circular No. HO:BR:99/133 dated 09.10.2007 and henceforth the Regional Manager / Deputy Regional Manager have been authorized to reduce / waive the cash handling charges on case to case basis on the merit of each case).

b. For CA/OD/CC/Other Accounts:

Cash Deposit Upto ` 50000/- Or

Upto 10 packets i.e. 1000 pieces of notes of any denominations taken together, whichever is higher - free of charge per day

Above 10 packets –i.e. 1000 pieces of

notes charges will be levied @ ` 10/-

per packet or a part thereof.

(Min. ` 10/- , Maxi. ` 10000/- plus

Service tax at applicable rate.”

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SECTION – VI LOCKER SERVICE CHARGES In terms of EMC direction the Locker Rent should be reviewed at interval of -2-years


Class of locker Metro Urban SU/ Rural

A 1100 900 700

B 1200 1000 750

D 1550 1350 900

C 1650 1450 1000

E/H-1 2000 1800 1400

G 3000 2800 2400

F 3000 2800 2400

L1 5000 4500 4000

H 3500 3300 2800

L 5000 4800 4200


w.e.f. 01.11.2015

Class of locker Metro/ Urban

SU/ Rural

A 1500 900

B 1600 1000

D 2500 1500

C 2600 1700

E/H-1 3200 2200

G 4500 4500 F 4500 4500 L1 6700 6700 H 4700 4500 L 6700 6700

Page 17 of 21

SECTION – VII INTER-SOL CHARGES:-

Sr. No.



PROPOSED SERVICE CHARGES EXCLUDING SERVICE TAX

w.e.f.01.11.2015

1 CBS Operations Inter-SOL charges (A) CASH DEPOSIT (Outstation)

(A) CASH DEPOSIT (Inter-SOL) Local Non-base branches Free of charge in respect of any amount / any number of cash deposit per day per account. * *Instead of Inter-SOL CBS charges, the local non-base branch will levy cash handling charge as applicable to base branch at the rate mentioned in Point No.15 of Section –V

(A) CASH DEPOSIT (Outstation) Local Non-base branches At local non-base branches cash handling charges will be levied as applicable to base branch.

NOTES :

1. In case of breaking open of the locker, `.250/-

to be recovered as incidental charges over and above actual cost incurred for the same.

2. Penalty for late payment of locker rent (from

the due date) be levied as under:

--Where annual locker rental is up to `. 1000/-

- `..20/-p.m. or part thereof for first 3-

months and `..30/- p.m. thereafter.

--Where annual locker rental is above `.1000/-

- `..30/-p.m.for first 3months and `..50/- p.m.

thereafter. When the rent is paid in advance for -3- years & above, 10% discount may be allowed, However, 20% discount in locker rent in case of Premium current account and Premium current account privilege customers if rent is paid in advance for a period of three years and above.

For Staff /Ex-staff- concession of 25% in rent is allowed only as per Book of Instructions, 2003 NEW PROVISION FOR CHARGES FOR LOCKER OPERATIONS MORE THAN 12 TIMES

A YEAR – `.50/- PER OCCASION.

NOTES :

1. In case of breaking open of the locker, ` 1000/-

to be recovered as incidental charges over and above actual cost incurred for the same.

2. Penalty for late payment of locker rent (from the due date) be levied as under:

-- Where annual locker rental is up to ` 3000/-

- ` 200/- for first -3- months thereafter

` 50/- p.m..

-- Where annual locker rental is above `.3000/-

- ` 500/- for first -3- months thereafter

` 100/- p.m..

When the rent is paid in advance for -3- years & above, 10% discount may be allowed to General Public only.

However, 20% discount in locker rent in case of Premium current account and Premium current account privilege customers if rent is paid in advance for a period of three years and above.

CHARGES FOR LOCKER OPERATIONS MORE

THAN 12 TIMES A YEAR – ` 100/- PER OCCASION

(FOR GENERAL PUBLIC) Rent in advance can be accepted for maximum three years only.

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w.e.f.01.11.2015

Out-station Non-base branches

Cash deposit `.25000/- per day per

account is free of charges, thereafter

in excess of `.25000/-, service charges

will be @ `.2/- per thousand or part

thereof.

Out-station Non-base branches For SB Accounts - Cash deposit

upto ` 30000/- per day per account

is free of charges, thereafter in

excess of ` 30000/-, service

charges will be levied at Rs.2.50 per thousand or part thereof.

(For Rs.50000/- and above PAN is

required to be submitted as per

requirement of Income Tax)

CA/CC/OD/others

Cash deposit upto ` 25000/- per

day per account is free of charges,

thereafter in excess of ` 25000/-,

service charges will be levied at Rs.2.50 per thousand or part thereof.

(B) CASH WITHDRAWAL (Inter-SOL)

B) CASH WITHDRAWAL (Inter- SOL) Local Non-base branches Free of charge in respect of any

amount / any number of cash

withdrawals per day per account.

Out-station Non-base branches

Cash withdrawal up to ` 25000/- per

day per account is free of charges,

thereafter in excess of `.25000/-,

service charges will be levied @

`.2/- per thousand or part thereof

Note:

1. Inter SOL cash payments to third parties is totally withdrawn

2. Per transaction limit of ` 50000 /- is

fixed for cash withdrawal by drawer by self cheque at Non Base CBS branches irrespective of nature of accounts.

B) CASH WITHDRAWAL (Inter-SOL) Local Non-base branches & Out-station Non-base branches

Cash withdrawal Charges at Local

non base and outstation branch -

No charge.

However, Maximum withdrawal

allowed at outstation branch is `

50000/- to the account holder only will continue

Note: 1.Inter SOL cash payments to third

parties is totally withdrawn

2.Per transaction limit of ` 50000 /-

is fixed for cash withdrawal by drawer by self cheque (through

withdrawal up to ` 25000/- - SB

Account without cheque book facility) at Non Base CBS branches irrespective of nature of accounts. Passbook should accompany with Withdrawals.

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w.e.f.01.11.2015

(C)FUND TRANSFER (Inter-SOL) (i) Transfer of funds within the same clearing area through cheque.

C)FUND TRANSFER (Inter-SOL) Transfer of funds through cheque amongst the customers of CBS branches will as under: Free of charge transfer of funds through cheque irrespective of any amount.

C)FUND TRANSFER (Inter-SOL) Transfer of funds through cheque amongst the customers of CBS branches will as under: Free of charge transfer of funds through cheque irrespective of any amount.

(ii) Fund Transfer amongst CBS branches: a)- Transfer of funds outside the clearing area through cheques drawn on any of our CBS branches.

Up to `.1 Lac- Free per day

Above `.1 lac to `.5 lacs – `.25 per txn

Above `.5 lacs – `.50/- per txn

(to continue to recover from drawer of the cheque) For Baroda Premium Current A/C & Current A/C- Privilege: Free of charge - Any amount. For Super Savings Bank A/C, Shubh Savings A/C & For Centenary Savings Bank A/C: Free of charge -Any amount. For the current account holders maintaining quarterly average balance of Rs.75,000/- for the last two completed quarters Free of charge - Any amount.

Free of charge transfer of funds through cheque irrespective of any amount.

-b) Funds transfer amongst CBS branches through collection of outstation cheques drawn on our CBS branches.

Free of charge transfer of funds through cheque irrespective of any amount.

-c) Funds transfer through payment of cheque drawn on our outstation CBS branches received through clearing.

NIL ( As shown below at (E) )

Mandated by RBI under Speed Clearing charges. (In such cases, charges are levied on Payee by presenting bank as per RBI guidelines.)

NIL Mandated by RBI under Speed Clearing charges. (In such cases, charges are levied on Payee by presenting bank as per RBI guidelines.)

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w.e.f.01.11.2015

(iii) Transfer of Funds for certain specific transaction.

Periodical Transfer of funds through Inter-SOL from one account to another within the Bank @ 25% of above charges subject to following conditions: (i) From Collection Accounts (i.e.

accounts wherein no debit transactions other than such periodical funds transfer entries are reflected) to the principal account of the same organization.

(ii) Advances/Borrowal A/Cs: From

one account to any other account of same organization. When debit balances are transferred, interest for the transit period should be recovered.

Periodical Transfer of funds through Inter-SOL from one account to another within the Bank

(i) From Collection Accounts (i.e. accounts wherein no debit transactions other than such periodical funds transfer entries are reflected) to the principal account of the same organization.

No charges (ii) Advances/Borrowal A/cs: From

one account to any other account of same organization. When debit balances are transferred on the same day

No charges

(D) COLLECTION OF CHEQUES (Inter-SOL) (i) Collection of local

cheques through clearing by local non-base branches

Free of charge.

Free of charge.

(ii)Cheque collected

through outstation non base branches drawn on other Banks within clearing area of that center.

Mandated by RBI

Up to `.1 Lac- Free per day

Above `.1 lac to `.5 lacs –`.25 per txn

Above `.5 lacs – `.50/- per txn

(to continue to recover from the payee of the cheque)

Free of charge.

E) SPEED CLEARING Transfer of funds to our customer’s A/C by collection of their outstation cheques drawn on other bank’s CBS branches (Outward clearing under Speed clearing)

RBI mandated charges

Upto ` 1/- lac – NIL

Above ` 1/- lac – ` 150/-

RBI mandated charges w.e.f. 30.03.2012

Upto ` 1/- lac – SB A/c. - NIL

Others - ` 20/-

Above ` 1 lac to `5 lac – ` 175/-

Above ` 5 lac to `10 lac – ` 200/-

Above ` 10 lac – ` 225/-

Page 21 of 21

Sr. No.




w.e.f.01.11.2015

SECTION-VIII GENERAL

Sr. No.



PROPOSED CHARGES EXCLUDING SERVICE TAX

w.e.f. 01.11.2015

1.

(APPLICABLE TO ALL ABOVE SERVICES/ ACTIVITIES) a) Postal &

Telecommunication TARIFF

a)Ordinary Post

– Actual, subject to `.10/- min

a) Ordinary Post

– Actual, subject to Min. ` 15/-

b)Registered Post

– Actual, subject to `..50/- min

b) Registered / Speed Post/courier

– Actual, subject to Min. ` 75/-

c)Telegram/ Long Distance (STD) Phone & Fax

– Actual/- Min `.50/-.

c) Fax - Actual, subject to Min ` 60/-.

b) Courier Charges

Actual charges subject to a minimum

of `.50/- per instrument per occasion,

unless otherwise specified to the contrary.

` 75- per instrument per occasion,

unless otherwise specified to the contrary.

2. Higher Service charges for non customers of the Bank.

For all banking services to non-customers of the Bank, service charges shall be 50% higher than the floor rates, across the board plus ST

For all banking services to non-customers of the Bank, service charges shall be 50% higher than the floor rates, across the board plus Taxes

3 Definition of Floor rates

Floor rates shall mean rates of service charges fixed by our bank as detailed in this Hand Book.

Floor rates shall mean rates of service charges fixed by our bank as detailed in this circular.

Bina15/ervice Charges/ Website-service Charges.Operations (excl. sch. specific.09.06.15)

Documents

NAME OF BANK : BANK OF BARODA SERVICE CHARGES AND