Deposits and Allied Services

Collections

Remittances

Safe Deposit Lockers

Retail Loans

Foreign Exchange Remittance

Miscallaneous Services

Advances

Demat Charges

Cards

General

Services Rendered Free of Charge

3) REMITTANCES

5) RETAIL LOANS

Particulars	Unified Processing charges*
Loan Processing Charges	PART - A: Mortgage Loans Baroda Home Loan (Resident Indians) - Loans upto Rs. 20/- lacs : 0.35% - Loans above Rs. 20/- lacs : 0.40% - Maximum : Rs. 15000/- Take over of Home Loans - 0.10% - Maximum : Rs. 5000/- Baroda Home Loan to NRIs / PIOs - Loans upto Rs. 20/- lacs : 0.35% - Loans above Rs. 20/- lacs: 0.40% - Maximum : Rs. 15000/- Baroda Home Improvement Loan - 0.35% Baroda Additional Assured Advance - 0.35% - Maximum : Rs. 15000/- Baroda Mortgage Loan To Resident/NRIs - Loan (one time) : 1.00% - Minimum : Rs. 1000/- - Maximum : Rs. 15000/- - Overdraft (Fresh sanction/ Renewal) 0.35% - Minimum : Rs. 1000/- - Maximum : Rs. 15000/- Baroda Ashray (Reverse Mortgage) - 0.20% - Maximum : Rs. 10000/- (one time) PART - B: Business / Other Secured Loan Baroda Traders Loan (Loan/Overdraft) (Fresh Sanction / Renewal) - 0.35% - Minimum : Rs. 1000/- - Maximum : Rs. 30000/- Baroda Loan to Doctors (Fresh Sanction / Renewal) - 0.35% - Maximum : Rs. 15000/- Baroda Advance Against Securities - Rs. 100/- flat plus out of pocket expenses and actual conveyance charges. Baroda Career Development 0.50% of Loan amount PART - C: Clean / Other Loan Baroda Personal Loan - 2% - Minimum : Rs. 250/- Baroda Loan to Pensioners/Defence Pensioners - Rs. 100/- (Fixed) Baroda Car Loan - 0.75% - Maximum : Rs. 6000/- Baroda Car Loan To HNIs - 0.50% - Maximum : Rs. 15000/- Baroda Two-Wheeler Loan - 2% - Minimum : Rs. 250/- Baroda Salary Advantage Savings Account - 0.5% - Minimum : Rs. 100/- Education Loan - Baroda Scholar - 1% to be recovered upfront, which shall be refunded, if applicant avails the loan. Education Loan - Baroda Vidya and Baroda Gyan - Nil
Prepayment Charges	(Applicable for under mentioned products only) 1. Baroda Housing Loan Prepaid partly or fully from own sources – NIL Other cases – 0.5% of balance outstanding for each year of residual period of the loan subject to max. of 2%. Cases where opted for conversion from fixed to floating rate of interest – 0.5% for the residual period of loan subject to maximum 3%. 2. Baroda Home Improvement Loan In case of full prepayment 1% of amount prepaid (including amount prepaid in last financial year) No charges on part prepayment 3. Baroda Housing loan to NRIs / PIOs Prepaid partly or fully from own sources – NIL Other cases – 0.5% of balance outstanding for each year of residual period of the loan subject to max. of 2%.
No Dues Certificate	For borrower under priority sector – NIL Others – Rs.50/- per occasion (Rural Branches Rs.10/- per occasion)
Solvency Certificate	Upto Rs.5/- lacs ---- Rs.500/- Above Rs.5/-lac--- Rs.100/- per lac & part thereof subject to maximum of Rs.15,000/- For Students: 50% or Max. Rs.1,500/-
Charges for late payment of EMI	2% p.a. on overdue amount for overdue period. In addition to above, Service Tax as applicable from time to time shall be levied.
Charges for changing from fixed to floating rates of interest	Applicable in under mentioned products only 1. Baroda Housing loan 0.50% of the outstanding balance for every year for the residual period of the loan subject to maximum 2% of the amount outstanding from the date of allowing conversion. 2. Baroda Housing loan to NRIs / PIOs 0.50% of the outstanding balance for every year for the residual period of the loan subject to maximum 2% of the amount outstanding from the date of allowing conversion.
Charges for changing from float to fixed rates of interest	option is not allowed by our Bank, hence, presently not applicable

Unified Processing charges: (comprising of Documentation Charges, Document Verification Charges applicable for advance of Rs.10 lacs & above and Post Sanction Inspection Charges) & Service Tax as applicable from time to time shall be additionally recovered. Present rate of service tax is 10.30 %.

TO TOP

6) FOREIGN EXCHANGE REMITTANCE

Sr. No.	Area of Banking Service	Service Charges (Floor Rates) Exclusive of Service Tax
1.	Remittance Outward	On all outward remittances a) Sundry Remittance        –    Rs100 upto Rs.10,000/- and                                             --  Rs.200 above Rs.10,000/- b) Advance Remittances against imports (additional charges equivalent to 50% of the following are recoverable). On each bill drawn in foreign currency, on which the bank earns exchange benefit. -- @ 0.25% with a minimum of Rs.500. Max Rs.50,000 On each bill drawn in Rupees and on each bill drawn in foreign currency on which the bank does not earn exchange benefit. --- @ 0.35% with a minimum of Rs.500 Max Rs70,000/- In case of advance remittance, for individual transactions, concession is extended on the incremental value as under up to Rs.1/- crore                                   - Normal Charges Above Rs. 1/- crore up to 3/- cores        - 50% over & above normal charges                                                                  upto Rs.1/- crore. Above Rs.3/- crores up to Rs.5/- crores - 25% over & above normal charges                                                                   upto Rs.3/- crores. Above Rs.5/- crores and above           - 12.5% over & above normal charges                                                                  up to Rs.5/- crores. c) Payment of foreign currency draft by the drawee bank by issuing their own draft in the same currency in favour of the beneficiary bank with whom the relative foreign currency amount is to be deposited in a FCNR Account. -- A service charge for the issue of their own draft @ 0.10% with a minimum of Rs.200/- d) EEFC Accounts Where the bank effects outward remittance to the debit of EEFC account of the customer commission payable : --0.10% with a minimum of USD 10 and maximum of USD 50 or its rupee equivalent.
2.	Remittance Inward	a) Commission in respect of each clean payment effected under instructions from a foreign correspondent (inward remittance) -- Rs.100/- (Whenever proceeds are to be credited to Deposit account with us)    -- no charges b) Where the inward remittance has to be executed in foreign currency by issuing a demand draft/mail transfer/payment order/telegraphic transfer commission shall be recovered from beneficiary/beneficiary’s bank as the case may be          -- 0.1% (Min. Rs.100/- and Maximum Rs.5000/-) c) Clean instrument for Collection: Commission to be recovered on clean instruments sent for collection abroad.                 -- 0.1% (Min. Rs.50/- and Maximum Rs.5000/-) d) Foreign Currency instruments sent on collection within India In respect of foreign currency instruments favouring resident beneficiaries sent for collection within India, charges as applicable for inland transactions may be recovered
3.	TCs - Selling	a) Issue of Foreign Currency Travellers Cheques Commission       -- @ 1% on rupee equivalent payable by the customer b) Where at the request of the beneficiary, foreign currency traveller cheques are issued by the Authorized Dealers against foreign currency remittances received from abroad, the commission payable :        -- @  0.25%
4.	TCs - Encashing	Nil
5.	TCs - Foreign Currency	@ 1% on rupee equivalent payable by the customer

TO TOP

7) MISCELLANEOUS SERVICES

Sr.No.	AREA OF BANKING SERVICE	SERVICE CHARGES (FLOOR RATES) Exclusive of Service Tax
1.	Safe Custody Charges	Scrip: - Rs.5/- per scrip. Minimum Rs.50/- per year or part thereof.Sealed Covers: - Rs.100/- per cover per annum or part thereof.Sealed Boxes:    Rs.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
2.	Service Charges for handling scrip	Rs. 30/- per block of 10 pieces of scrip or part thereof, subject to a minimum of Rs. 30/- per account.
3.	Transfer of Securities from one account to another, at the same branch	50% of the charges on lodgment / withdrawal of securities     (Rs.2/- per piece with a minimum of Rs.30/- on each occasion).
4.	Transfer of Securities From pledge to safe custody.	As per 2 above.
5.	Issuance of Certificate of holding	Rs. 30/- per year.
6.	Production of Certificates to appropriate authorities for collection of dividend / interest warrants.	1% with a minimum of Rs. 30/- per warrant.
7.	Purchase/Sale/ Redemption of Securities	1% with a minimum of Rs. 30/- per transaction.
8.	Attestation of customer’s signature	Individual:  -         Rs.30/- per instrument / occasion. Non- Individual: -  Rs.50/- per instrument / occasion. In Baroda advantage current account free once in three months and free of charges in case of Baroda Premium Current Account (BPCA) and Baroda Premium Current Account Privilege (BPCAP)}
9.	Issuance of no dues certificate	I. For borrowers under Priority Sector	- NIL.
		II Others	- Rs. 50/- per occasion. (Rural branches Rs.10/- per occasion)
10.	Providing credit report (including opinion and introduction)	Rs. 250/- per occasion
11.	Inquiries relating to old records.	3 to 12 months old    :  Rs. 25/- per item.      Above 12 months     :  Rs.100/- per item
12.	To ascertain fate of local cheques lodged in clearing, at the request of the customer.	Rs.50/-  plus  actual conveyance charges
13.	Drawing against uncleared effect.	Interest to be charged on drawing against un-cleared effect.
14.	Photo attestation	Rs. 100/- per photo / occasion

TO TOP

8) ADVANCES

Sr.No.	Area of Banking Service	Service Charges (Floor Rates) Exclusive of Service Tax
1.	a) Processing      Charges	1. Processing charges are recovered on per annum basis for all kind of advances at the time of initial processing as well as at each renewal (including agricultural advances)* Upto                         Priority Sector Adv.   Rs.50000/-                  -   NIL    All other                       -  Min. Rs.250/- Above Rs.50000/-    Priority Sector Adv. upto Rs. 2/- lacs.  ---                NIL                                  All other                                   -- @0.5%, Min.Rs.250/- Above Rs.2/- lacs & upto Rs.1/- crore   -  @ 0.25%  Min Rs.1000/-  Above Rs. 1/- Crore -   @ 0.20%   Min Rs.25000/-Max Rs.5 Lacs   (For Micro & Small Enterprises – Processing Charges is NIL upto Rs.2/- lacs) Other than Term Loan: Above Rs.2/- lacs & upto Rs.1/- crore       -  0.25% min Rs.1000/- Above Rs. 1/- Crore       -@ 0.20%   Min Rs.25000/-Max Rs.5 Lacs   For Term Loan/s ( Fresh) Above Rs.2/ lacs up to Rs.1/ crore      - @ 0.25%  Min Rs.1000/-Above Rs.1/ crore to  Rs.5/ crore                                                      - @ 0.20% Min Rs.25000/- Max Rs.1 Lac                                Above Rs. 5/- Crore              - @ 0.60%   Maxi Rs.10,00,000/- Review of Term Loans/ Loans Processing charges for Term Loan/ loans  at the time of each review is recovered at half rate of the initial charges on the reviewed amount. For recovery of processing charges all the existing loans are aggregated and recoverable processing charges worked out as under: 1.Loans aggregating up to UptoRs.5.00crore  - @ 0.10% of the loans                                                                                  amount Max Rs.50,000/- 2.Loans aggregating more than Rs.5.00crore  - @ 0.30% of the loans                                                                            amount Max Rs.7,50,000/- Working Capital Fund Based Processing charges - Above Rs.1/ crore to  Rs.5/ crore                                                 - @ 0.20% Min Rs.25000/- Max Rs.1 Lac                                  Above Rs. 5/- Crore              - @ 0.20%   Maxi Rs.5,00,000/- Working Capital Non-Fund Based Processing charges -  Above Rs.1/ crore to  Rs.5/ crore                                                      - @ 0.10% Max Rs.50,000/-                                 Above Rs. 5/- Crore              - @ 0.10%   Maxi Rs.5,00,000/- Note Total processing charges on FB working capital and  NFB should not exceed Rs.500000/ CARE: Advance under Bills Rediscounting scheme is treated as Fund Based limit. Processing charges for Ad-hoc sanctions: (To be recovered in full irrespective of the period for which the ad-hoc is sanctioned.) Upto Rs.50,000/-                                         -  NIL Above Rs.50,000/-  upto Rs. 2/- lacs          - @ 0.50% Min.Rs.125/-                     Above Rs.2/-  Rs.1/- Crore.                        - @0.25%  Min Rs.1000/- Above Rs.1/- Crore.                            - @ 0.10% Min Rs.25,000/- & Max Rs.5 Lacs  * Proviso: As per code of BCSBI no processing charges for loan upto Rs.5/- lacs is recovered if the loan is not sanctioned. In all other cases, 50% of the processing charges (non-refundable) is recovered in advances in new accounts. Prospective borrower is informed in writing about non- refund of the same and acknowledgement from the borrower having accepted the clause that processing fee is not refundable is kept on record. 50% of the processing charges (non-refundable) is recovered in case advance is sanctioned but not availed by the prospective borrower. Prospective borrower is informed in writing about non- refund of the same and acknowledgement from the borrower having accepted the clause that processing fee is not refundable is kept on record Processing charges for Term Loan at the time of each review should be recovered at half rate of our initial charges on the reviewed amount. No Processing charges for Direct Agricultural advances upto Rs.10/- lacs. No processing charges is levied on bills purchased / discounted under Letter of Credit (under regular limit as well as ad-hoc basis)
	(b) Processing charges for giving agreement in principal in respect of advances account.	Full Processing Fee as per existing schedule of charges + an additional fee of Rs.2/- lacs is collected in respect of term  loan applications where the amount of loan is over Rs. 1 crore (no separate additional fee is collected where only working capital facility are applied for) The aforesaid will also be subject to the proviso that- a) In case for any reason the final proposal is not sanctioned 50% of the fee collected (i.e. processing fee and additional fee) will be refunded. b) In case the final proposal is sanctioned and the borrower avails the facility the advance fee collected will be adjusted/ refunded against the total fee chargeable as per the extant guidelines.
	(C) Commitment Charges - Commitment charges are levied in case of non-utilization / under utilization of working capital limits for advance account with fund based working capital limits of Rs.100 lacs (One crore) and above	Utilization below 75% of limit or as indicated in QIS statement: -0.50% p.a Utilization below 50% of limit or as indicated in QIS statement: - 0.75% p.a Utilization below 25% of limit or as indicated in QIS statement: - 1.00% p.a. Note: It is to be charged on the amount of under utilization below 75%. In case of line of credit without sub limit for LC facility, average utilization of non-fund based facility can be assumed as utilization of limits.
2.	Front- end fee (i.e UP FRONT FEE)	Front- end fee  is  to be levied as under: Term Loan / Demand Loan /DPG Amount Rate of Front  End  Fee       (Floor Rates) Above Rs.1.00 crore and upto Rs.15 crore 0.50% of the term Loan / Demand Loan / DPG Amount Above Rs.15 crore and upto Rs.75.00 crore 0.50% of the Term Loan / Demand Loan / DPG amount, subject to maximum of Rs.25.00 lac. Above Rs.75 crore Maximum Rs.50.00 lac Whenever earmarking in the existing limits is done and /or a “Stand by Credit Assistance” is provided to any borrower to facilitate liquidation of Commercial Paper (CP) issued by that borrower, then a “Credit Enhancement Fee” of 1%p.a. of the amount of “Standby Credit Assistance” is to be levied upfront.
	GUARANTEES a) Commission on inland guarantees	Performance Guarantees 0.50% per quarter and thereafter for completed months & part thereof, subject to a minimum charge for two quarters. Financial Guarantees 0.75% per quarter and thereafter for completed month and part thereof, subject to a minimum charge for two quarters. (Actual out of pocket expenses subject to a minimum of Rs.150/- to be recovered for each guarantee upfront)
	b) Refund for guarantees tendered for cancellation before the expiry date.	Refund for guarantees tendered for cancellation before the expiry date Portion of Guarantee Commission already recovered be refunded as under:  An amount computed at half the original rate for the unexpired period of guarantee less -3- months, may be refunded as per rate charged originally ( Should be for a complete month) Note : Any further concession is to be considered by the Functional head at Corporate office.
	c)   Extended period of validity of guarantee due to restraints imposed  by Court Orders at the instance of constituents from meeting their obligations to beneficiaries, when guarantees are invoked.	Additional commission at applicable rate is charged.
	d) Remittances made by the Bank under Guarantee, co-acceptance or similar obligations.	Commission/exchange as per our usual rates.
3.	Documentation Charges (Fund based only)	Upto Rs. 50000/-                                          -  Nil Above 50000/-  to Rs. 2 Lacs                    -  Rs.150/- Above Rs. 2 Lacs  toRs.5 Lacs                  - Rs.1000/- Above Rs. 5 Lacs  Upto Rs.20 Lacs          - Rs.1500/- Above Rs. 20 Lacs upto Rs. 50 Lacs         - Rs.2500/-   Above Rs. 50 Lacs upto Rs.5 crores         - Rs.4000/- Above Rs. 5 crores                                    - Rs10,000/- * Exemption  for direct Agricultural advance Doc. charges upto Rs. 2 lacs                        --     Nil Above Rs.2 lacs to Rs.10 lacs                   -- 50% of above  charges. Note: When to be charged New sanctions (Entire fund based limits including DPG, Usance LC and Financial Guarantees) At the time of obtaining the set of documents before disbursement. Review of a/c with existing limits No charge if no fresh / additional documents are obtained. Review with increased limits For the entire amount of reviewed limit. Ad-hoc limits  - At the time of taking documents for ad-hoc limits. Obtaining LAD     -   No Charges
		Other Conditions : Corporate accounts:  Actual expenses incurred in registering charges with ROC to be recovered additionally No documentation charges for LABOD/OD against bank’s own deposits, Loan against NSC,KVP & Govt. Securities. a) In respect of fresh sanctions / new accounts branches should invariably recover the charges as above in cash or debiting account.  If the party does not maintain any current / savings bank account or for any other reason it is recovered to the debit of party’s loan / cash credit account, branches should ensure that the amount so debited is recovered immediately and credited to the said loan / CC account. b) Documentation charges are to be credited to P/L Commission a/c (others Code 5760).  c) For issuance of No Objection Certificate or C.P.--Rs. 5000/- per occasion (no levy where Bank recovers issuing & paying agent charges as IPA)
4.	Charges for carrying out inspection of securities charged to the Bank.	Accounts with limits Upto Rs.50,000/-                  -  Nil >Rs. 50000/- to  Rs. 2 lacs  -Rs.150/- per inspection >Rs. 2 lacs to Rs.20 lacs    -Rs.250/- per inspection >Rs. 20 lacs  to Rs.1 Crore -Rs.750/-  per inspection >Rs. 1 Crore to Rs. 5 Crs.   -Rs.3000/- per inspection Above Rs.5  crores             -Rs.5000/- per inspection In addition to the above actual conveyance and out of pocket expanses reimbursed to be recovered. *Charges for stock audit of accounts with limits Rs. 5/- crore and above assigned to concurrent auditors /auditors to be recovered on actual basis as per schedule / charges decided by Regional authorities. Inspection charges for the ‘Weaker Section’ will be 50% of the above.
5.	Bills purchased/ Discounted or advances there against – Exchange / Commission	For cheques/ bills i) a) On instruments drawn on our Branches other Banks where :                 Exchange @ 35 paisa % plus   Collection charges              we have branches.                                           b) For instruments drawn on other Banks :     Exchange @70 Paisa % Plus collection charges Where we do not have branches.                                                                                                                                 Note: The above covers interest for 10 days for (a) & 14 days for (b). ii) a) On cheques/ bills returned unpaid penal interest @ 2% +(BPLR+ 3%) p.a. from    11th/15th day of purchase as the case may be till the date of reimbursement. b) Overdue interest to be charged @ 2% over the applicable rate (document rate) on  cheques/bills from 11th/15th day of the case may be. NOTES: Usual collection charges as applicable for the respective slab are to be levied in all cases in addition to interest. Collecting Banks’ charges, if any, should be recovered in full. When the bills are tendered for discount under the Bills Rediscounting scheme, besides collecting the discount at the prevailing rates, normal service charges like actual conveyance and actual out of pocket expenses reimbursed etc., in sending the bills to SIDBI/IDBI also to be collected. “Date of actual reimbursement” means: a) Where a Bill is sent to our branch, the date on which funds are actually received at the Drawee Centre. b) Where Bills are sent to other Banks or where instruments are returned unpaid, the date of reversal of the B.P. entry at the purchasing branch. For collection of supply Bills, commission is to be charged as per the schedule Change of original instruction in respect of Bills purchased/discounted -Rs. 50/- per request.
6.	Charges for all inland  L/Cs
	6.1 Usance Charges:	Usance charge according to the tenor of the Bill as under: For Bills upto 30 days' sight           - 0.20% Over 30 days                               -  0.30% for the first 3 months and 10% p.m. for the period of Over                                                        3 months.
	6.2 Commitment Charges:	0.25% for every three months or part thereof for the entire period of liability (i.e. date of opening of LC to last date of its validity) (All the above charges are subject to a min. of Rs. 500/- i.e. Usance plus commitment charges) a) Usance charges in respect of inland LC is to be recovered as per the tenor of the bill. No additional usance charges are to be recovered in case of overdue bills for the overdue period and only overdue interest to be charged. b) No collection charges like IBC charges other than LC charges are to be recovered by the opening branch in respect of bills received under its LC.
	6.3 Extension/Amendment of LC	Commitment charge @ 0.25 % covers each period of –3- months and hence an extension may be allowed free of commitment charge if such extension does not run into another block of –3- months.  Otherwise a fresh commitment charge @ 0.25 % for every block of -3- months or part thereof (Minimum Rs. 500/-) is to be recovered. If the LC amount is subsequently increased, both usance and commitment charges should be recovered on the amount so increased, with a minimum of Rs. 500/-. For any amendment other than extension:        Flat Comm. Rs.500/- on   each occasion is charged  of validity or increase in amount.                      Discrepancy fee                                                                         Where bills documents are not in Conformity with the terms of LC:                       0.15% comm. on the amount of bills is charged subject                                                                                          to  min. Rs.500/- , maximum Rs.5,000/- for inland bills Up                                                                                  to Rs.1 crore and maximum Rs.10,000/- for inland bills over                                                                           Rs.1crore
	6.4 Revolving Letter of Credit	a) While  opening a Revolving LC i) Usance charges As per the rates in 6.1 reckoned on the maximum amount of drawings permitted at any one time. ii) Commitment Charges As in 6.2 from date of opening to last date of its validity. (Minimum charge Rs. 500/-) b) On Reinstatement i) Usance charge according to the tenor of Bill                                         plus ii) Commitment charges of 0.25% on the Reinstated amount only    (min. Rs. 500/-) (Commitment charges are to be levied for every period of -3- months or part thereof from the date of reinstatement to the last date of its validity) Note: 1) Charges are to be recovered when a LC is opened or amended and no refund may be allowed in any circumstances whatsoever, whether a credit is cancelled, is only partly availed of or expired wholly unavailed of. 2) Telex / Fax and cable charges shall be recovered additionally. 3)  While issuing a standby LC, service charges equivalent to commission on Financial or Performance Guarantee be recovered, according to the nature of the guarantee provided by the standby LC.
	6.5 Other Charges
	1)Advising LCs (only where LC opening Bank and advising Banks are different)	a) For advising LCs including letter of Authority or orders to negotiate @ 0.15% (min. Rs. 500/- & Max. Rs.2000/-) for each LC (without confirmation) b) For advising each amendment flat commission of Rs. 500/-.
	2)Confirmation of LC (only where LC opening Bank and confirming Bank are different)	Commitment and usance charges as per 6.2 and 6.1.
	3)Transferable LCs	a) For each transfer (whether full or in part and whether endorsed on the credit itself or not), flat charges of Rs. 500/- (except when the name of the beneficiary is changed as per instructions of the opening Bank). b) On all LCs calling for usance drafts to be drawn on and accepted by banks acceptance commission @ 0.30% for the first 3 months & 0.10% p.m. thereafter, min. Rs. 500/-
	4)Negotiation charges	Flat charge of Rs.500/- per document.
	5)Clean payments received under LC	Flat charges of Rs. 500/-
	6)Attestation of commercial invoices	a) At the time of Negotiations/ collection :--  Free of charge b) Each subsequent occasion    : -- Rs. 50/- per invoice.
	7)Guarantees due to    discrepancies in    documents	Commission of 0.25% min. Rs. 500/- for joining in customer’s guarantee or giving guarantees on behalf of customers to other Banks in respect of discrepancies in documents negotiated under LC when payment received under LC/ reserve is credited to beneficiary’s account.  However, if payment received under reserve is not parted with, a flat charge of Rs. 500/- be levied.
7.	Providing credit opinion (including opinion & introduction	Rs.250/- per occasion     OR $ 50/- in respect of foreign banks
8.	[New Credit related Areas
	8.1) Interchangeability within fund based limits, within non-fund based facilities and between fund based and non fund based limit	Additional commission  @ 0.25% p.a. of earmarked amount (Min Rs.500 and Maximum  Rs.10,000/-)
	8.2) Issuing of NOC of all types like granting NOC for ceding pari passu charge, exclusive charge, 2nd charge etc. (Not applicable in case of NOC / Exchange of pari passu letter in consortium accounts.)	Limits Charges Upto Rs.25/- lacs Rs.500/- Above Rs.25/- lacs and upto Rs.1/- crore Rs.2000/- Above Rs.1/- crore Rs.5000/-
	8.3) Revision of Repayment schedule in respect of TL / DL	Limits Charges Upto Rs.10/- lacs Rs.200/- Above Rs.10/- lac and upto Rs.1/- crore Rs.2000/- Above Rs.1 crore and upto Rs.10 crore Rs.3000/- Above Rs.10 crores Rs.5000/-
	8.4) Other  Modifications in terms & conditions of sanction	Advance accounts with exposure more than Rs.1 crore – Rs.5000/- per modification For other proposal - Rs.1000/- per modification
	8.5) Fee for opening / operating Escrow / TRA A/Cs. (Trust & Retention A/c.)	Our share in limits Charges per annum Upto Rs.5/- crores Rs.1/- lac Above Rs.5/- crores and upto Rs.10/- crores Rs.2/- lac Above Rs.10/- crores Rs.5/- lacs (In case of CDR accounts, charges to be as per CDR guidelines)
	8.6) Fee for base branch for issuance of Letter of Comfort in case of extending Buyers Credit	0.15% per month on the amount of Letter of Comfort for specified period of liability
	8.7) Charges for  TEV study and Vetting of TEV Report	TEV Study( To be shared with the customer) Project cost Fee Project cost up to Rs.15/- crore TEV Study by Bank: Rs.3/ lac -TEV Study by consultant: Consultant fee * plus Rs.25000/ Over Rs.15/- crore and up to Rs.300/ crore 0.15% of project cost with a minimum of Rs.5/ lac and maximum Rs.30/ lac Above Rs.300/ crore ( Where TEV Study is done by Project Finance Division) Fee to be decided on case to case basis. *Suitable ceiling on consultant’s fee to be fixed by the concerned authority, who approves empanelment of consultants. Vetting of TEV Reports. Project cost Fee Over Rs.300/ crore Rs.50000/ Waiver of TEV Study: Wherever TEV Study is waived by the competent authority, a separate fee of Rs.50000/  will be recovered in addition to ususal processing charges for additional risk taken by the Bank due to such waiver. (In addition to above, all “out of pocket expenses” should be borne by the Co.)

TO TOP

9) DEMAT CHARGES

Sr. No.	Type of service	SERVICE CHARGES (FLOOR RATES) Exclusive of Service Tax
		Both for NSDL & CDSL DPs.
1.	Account opening	NIL
2.	Account Closing	NIL
3.	Custody charges	NIL
4.	Annual Maintenance charges	For Individuals         - Rs.350/-p.a. For Non-Individuals -  Rs.550/- p.a.
5.	Recovery of AMC	AMC will be recovered up front on monthly prorata basis in new accounts and thereafter on 1st April every year. 10% rebate will be given in AMC if customer is paying 3 years AMC in advance.
6.	Transaction charges (Sell)	(Equity instruments) Sales -(Market & Off Market) 0.04% of market value subject to minimum Rs.20/- per transaction. (Debt Instruments and Commercial Papers)- Sales -(Market & Off Market) Rs.500/- flat per transaction.
7.	Demat charges Demat/Remat Return handling charges. *	Rs.2/- per certificate with minimum of Rs.30/- + Actual Postage / Courier Charges. Rs.30/- per Return *
8.	Remat / Repurchase	Rs.30/- per ISIN + Actual Postage / Courier Charges.
9.	Pledge Creation/ / Confirmation/ Invocation	Rs.100/- flat per ISIN per request. (including request for invocation of Pledge)
10.	Additional account statement	Rs.20/- per occasion
* Share returned un-de-mated/ un-re-mated to branch for any technical reason (not at Bank’s fault) requiring to be resent to Registrar & Transfer Agent / Customer.
11	Signature Verification or any Other certificate issued per ISIN	Rs.50/- per Signature / Certificate.
12.	Account Freezing / De-freezing	Rs.50/- per request
13.	Other Charges	Stationery Charges (A) A/c Opening Form –                     Nil   (Stamp paper charges to be recovered on actual  basis )  (B) One DIS booklet of 10 leaves will be provided free of cost at the time of account opening and thereafter subsequent DIS will be issued @ Rs.20/- per booklet of 10 pages. (C)   Change of address / ECS    - Rs.26/-.
14.	Transfer of securities from one D.P. to another D.P.  consequent to account closure.	Consequent to closure of account, No charges to be levied, when Beneficiary Owner (B.O.) transfers all the securities lying in his account to another Branch of the same DP or to another DP of the same depository or another depository, provided the BO Account/s at transferee DP and at transferor DP are one and the same i.e. identical in all respects.
Other terms and conditions: 1. If the bills are not paid on due date of the bill, a penal interest of 2% p.m. will be charged. 2. AMC will not be refunded in case account is closed during the middle of the financial year. 3. The services not listed above will be charged separately. 4. All the above charges are applicable uniformly to individuals, non-individuals, CDSL and NSDL except that      AMC are different for Individuals and Non Individuals. 5. Cost of non-judicial stamp paper is to be borne by the client. 6.  Any service not listed above will be charged extra. 7.  The charges are subject to revision from time to time.

TO TOP

10) CARDS

Credit Cards	Charges
Entrance Fees	NIL
Annual Fees	1. Silver Card - Free for 1st   Year            (Principal Card - Rs.400/-)
	2. Exclusive Card – Free for 1st  Year      (Principal Card - Rs.750/-)
	3. Gold Visa – Free for 1st  Year               (Principal Card - Rs.1000/-)
	4. Gold Master-Free for 1st  Year              (Principal Card - Rs.1000/-)
	5. Corporate Global Card – Free for 1st  Year     (Principal Card – Rs.1000/-per card issued to the Company)
	6. Next Gen Card – No Fee
Add on Card	1. Silver Card-Free                                          (upto 3 Cards)
	2. Exclusive Card-Free                                   (upto 3 Cards)
	3. Gold Visa-Free                                            (upto 3 Cards)
	4. Gold Master-Free                                        (upto 3 Cards)
	5. Corporate Global Card –Free                      (upto 20 Cards)
	6. NextGen Card – No Add on Card allowed
Service Charges on Outstanding balance	2.5% PM on Balance O/s after due Date
Cash withdrawal Fees	2.5% or Min Rs.100 (Domestic), 3% or Min Rs.150 (Abroad)
Hot listing fees	NIL
Other Charges
Duplicate Bill	Rs.25 per Bill. No charges for E-Statement
Surcharge on usage at Petrol outlets & Railways	2.5% (with a minimum of Rs. 10/- at petrol outlets)
Cheque Return / Dis-honored  Charges	Rs.100 or 1% of the cheque amount whichever is more
Exceeding Credit  Limit Charges	1% over & above the sanctioned credit limit
De-blocking charges	Rs.200/-per De-blocking
Card Reinstated / Replacement charges	Rs.100/- per card
Charge slip Retrieval Charges	Rs.250/- per Charge Slip
Foreign Currency Transaction Fee	Rs. 2.75% of the transaction amount
Limit Enhancement Charges	No Fees
Balance Enquiry Charges	Rs. 25/- per transactions
Service Tax	As per Govt. guidelines
ATM Debit Cards / International Debit Card	Charges (inclusive of Service Tax)
Annual Fee	Free for life time
Additional Cards	Free for life time
Renewal Charges	Free for life time
Card Replacement charges (within India)	Rs. 169/-
Pin Regeneration	Rs. 113/-
Bank of Baroda ATMs Cash Withdrawal Balance Enquiry	Free Free
NFS Member Bank’s ATM Cash Withdrawal Balance Enquiry	Free Free
Other VISA Member Bank’s ATMs (Abroad) Cash Withdrawal Balance Enquiry	Rs. 141/- Rs.   34/-
Other VISA Member Bank’s ATMs (in India) Cash Withdrawal Balance Enquiry	Free Free
Cash withdrawal through other bank’s ATM w.e.f 15.10.2009	For Savings bank customer maximum 5 transactions per month free of cost. Thereafter a nominal charge of Rs.20/- will be levied for each transaction. Current account customers Rs.20/- per transaction
Charge-Slip retrieval charges	Rs. 337/-
Account overdrawn charges	Rs. 113/- per occasion
Surcharges at Railway and Petrol Pumps	Rs.2.5% + Service tax (if any), on transaction amount or Rs.10/- whichever is high.
Other Information :
Activation of card	Can be activated through first use of PIN in any ATM
ATM Cash Withdrawal Limit per day (Card Level Limit)	Rs.15000/- subject to balance available in account
Purchase transaction Limit per day (Card Level Limit)	Rs.25000/- subject to balance available in account
No. of Transactions per day in ATM (Card Level Limit)	Four
Mini Statement	Available
Pin Change	Available

TO TOP

11)   GENERAL

Sr.No.	AREA OF BANKING SERVICE	SERVICE CHARGES (FLOOR RATES) Exclusive of Service tax
1.	a) Postal  & Telecommunication TARIFF b) Courier Charges	a)Ordinary Post – Actual, subject to Rs.10/- minb)Registered Post  – Actual, subject toRs.30/- minc)Telegram/ Long Distance (STD) Phone & Fax – Actual/ Min Rs.50/-. Actual charges subject to a minimum of Rs.30/- 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
3.	Definition of Floor rates	Floor rates shall mean rates of service charges fixed by our bank as detailed in this Hand Book.

TO TOP

12) SERVICES RENDERED FREE OF CHARGE

Sr.No.	AREA OF BANKING SERVICE	SERVICES RENDERED FREE OF CHARGE
1.	Defence Personnel	“Only the following concessions in service charges be extended to Defense Personnel, Paramilitary Personnel, Ex-Servicemen and Central Industrial Security Force (CISF) personnel” a.At par remittance of salary / terminal dues. b.At par remittance to family up to Rs.10,000/- per month and one-time remittance for payment of school / college fees in a year.  Out of pocket expenses to be recovered. c.At par custody of WILLS. d.Normal concessions as applicable to other customers in respect of collection of outstation cheques up to Rs. 5,000/- at a time.
2.	Ex-servicemen/ widows of Ex-Servicemen, war widows, disabled service  personnel	Not to levy service charges such as processing, documentation and inspection charges on loans granted to Ex-Servicemen, Widows of Ex-Servicemen, War Widows and disabled service personnel under NEF, SEMFEX-II and SEMFEX-III schemes sponsored by SIDBI, NABARD and KVIC respectively and also on loans sanctioned by the Bank outside these schemes for their self employment purpose.
3.	Donations to PM / CM’s Relief Funds	I.  At par collection of cheques favouring the fund. II. Free remittances favouring these funds.
4.	Pensioners	(a)At par collection of Pensions bills, Pension cheques. (b) Free remittance facility by debit to S.B. A/c. maintained by pensioners for personal uses.
5.	Ministry of Health and Family Welfare	(Accredited to our Bank) a) At par collection of cheques etc. b) Free Remittance facility.
6.	Government Sponsored Schemes	At par collection of cheques (only cheques issued by Government representing subsidy under Government sponsored Schemes).
7.	Senior Citizens	(a)  Free remittance facility to be allowed by debit to S.B. A/c. maintained by Sr. Citizens for personal uses. (b)  At par collection of cheques in the name of Sr. Citizens (the a/c holder)
8.	Physically Challenged Persons	Waiver of collection charges for physically challenged persons (who have suffered loss of use of hand/hands & or leg/legs) including blind person for instruments up to Rs.10,000/- at par collection.
9.	Issuance of Cheque Book
	a.  Savings Bank : b. CA/CC/OD/       c. Nagrik Bachat Khata(“No-Frill” Account:	40 leaves will be free in a financial year. Free cheque books will be on pro-rata basis, i.e. 20 cheque leaves for -6- months and/or part thereof. First cheque book of 50 leaves are free      On request one cheque book of 10 leaves free in a Year.

TO TOP