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Service Charges

our schedule of low service charges

The following is the exhaustive list of schedule of service charges as on Nov 01, 2011.

• Savings Bank A/c - No Frills A/c TMB Janatha Savings

  Service Charge: Savings Bank A/c - No Frills A/c TMB Janatha Savings

  Minimum Balance	Rs. 5.00.
  Charges for non-maintenance of Minimum Balance	Nil.

• Savings Bank Accounts with Cheque Book Facility

  Service Charge: Savings Bank Accounts with Cheque Book Facility

  Minimum Balance	Quarterly average balance - Metro, Urban & Semi Urban - Rs. 500.00, Rural - Rs. 250.00.
  Charges for non-maintenance of Minimum Balance	Rs. 100.00 / quarter.

• Savings Bank Accounts without Cheque Book Facility

  Service Charge: Savings Bank Accounts without Cheque Book Facility

  Minimum Balance	Quarterly Average Balance - Rs. 100.00 all centres.
  Charges for non-maintenance of Minimum Balance	Rs. 100.00 / quarter.

• Other Savings Bank account Facilities

  Service Charge: Other Savings Bank account Facilities

  Issue of Duplicate Statement	Rs. 10.00 per ledger folio. Minimum Rs. 15.00 + postage if any.
  Issue of loose cheque leaves	Rs. 25.00 per leaf
  Issue of Cheque Books	SB: 60 leaves free in a year. More than 60 leaves - Rs. 2.00 per leaf for MICR & Rs. 1.00 per leaf for non-MICR.
  Issue of duplicate pass book	Rs. 10.00 per pass book with an additional charge of Rs. 5.00 per ledger folio or part there of (One ledger folio = 40 entries).
  Issue of duplicate deposit receipt	Rs. 50.00 per receipt plus cost of stamp paper for indemnity bond.
  Mode of calculation of minimum balance	Quarterly Average Balance (QAB)
  Ledger Folio Charges TMB SB Premium	Nil.
  Charges for exceeding permissible no. of debits in SB	Rs. 2.00 for every withdrawal if number of withdrawals by cheque or otherwise exceeds 100 per year. Institutions are exempted from this stipulation.
  Charges for statement through e-mail for SB / SB Premium / VISA / Santhosh / SB NRE / SB NRO	Free for any frequency.

• Current Accounts

  Service Charge: Current Accounts

  Non maintenance of minimum balance	Current (monthly) - Metro Rs. 300.00, Urban Rs. 250.00, Semi Urban Rs. 200.00 & Rural Rs. 100.00.
  Cheque Books	Current / OD / CC - MICR - Rs. 2.00 per leaf, Non-MICR - Rs. 1.00 per leaf.
  Ledger folio charges (CA / OD / CC)	Rs. 15.00 per folio (half yearly) - No charges if average credit balance is Rs. 2 Lakhs and above. (40 entries = 1 folio) Minimum : Rural / Semi Urban - Rs. 50.00, Urban - Rs. 75.00, Metro - Rs. 100.00.
  Ledger Folio Charges TMB Pearl & TMB Platinum	Nil.
  Charges for statement through e-mail for current, OD / CC A/c’s	Daily basis - Rs. 100.00 per month: Weekly basis - Rs. 50.00 per month, Fornightly basis - Rs. 25.00 per month, Monthly basis - Free of charge.

• Remittance Facilities through own Bank

  Service Charge: Remittance Facilities through own Bank

  DD Issue	For Customers: Up to Rs. 1 Lakh - Rs. 0.175 paise per Rs. 100.00 subject to a minimum of Rs. 10.00 per draft. Above Rs. 1 Lakh - Rs. 0.125paise per Rs. 100.00 subject to a minimum of Rs. 175.00 per draft. For Cash Remitting Account Holders: Up to Rs. 1 Lakh - Rs. 0.175 paise per Rs. 100.00 subject to a minimum of Rs. 15.00. Above Rs. 1 Lakh - Rs. 0.150 paise per Rs. 100.00 subject to a minimum of Rs. 175.00 per draft. For Non-Account Holders: Rs. 0.200 paise per Rs. 100.00 subject to a minimum of Rs. 20.00 per draft.
  DD Cancellation	Rs. 50.00 per Instrument.
  DD Duplicate	Rs. 50.00 per Instrument.
  DD Revalidation	Rs. 50.00 per Instrument.
  PO Issue (Local Draft)	Rs. 0.10 paise per Rs. 100.00 per instrument. Minimum Rs. 25.00, Maximum Rs. 5,000.00.
  PO Cancellation	Rs. 50.00 per Instrument.
  PO Duplicate	Rs. 50.00 per Instrument.
  PO Revalidation	Rs. 50.00 per Instrument.
  MT Issue	From account to account (same name accounts at different branches) - At Par. From one account to other account - Actual postage + Rs. 5.00. For cash remitting customers usual DD charges + actual Postage
  MT Cancellation	N.A.
  MT Duplicate	N.A.
  MT Revalidation	N.A.
  FTFT Outward	Less than Rs. 1 Lakh: Rs. 5.00 per transaction. Rs. 1 to 5 Lakhs: Rs. 25.00 per transaction. Above Rs. 5 Lakhs: Rs. 50.00 per transaction. (Commission for Cash Remittances & Non Customers: Rs. 2.00 per Rs. 1,000.00 with minimum Rs. 25.00 commission.)
  NEFT Charges [TMB eTransfer] - Inward	Free
  NEFT Charges [TMB eTransfer] - Outward	Rs. 5.00 flat for less than Rs. 1 Lakh, for Rs. 1 to 2 Lakhs - Rs. 15.00 and above Rs. 2 Lakhs - Rs. 25.00. Additional Time Varying Tariff as below applicable.
  RTGS Outward	Rs. 2 Lakhs to Less Than 5 Lakhs: Rs. 25.00 per transaction. Above Rs. 5 Lakhs: Rs. 50.00 per transaction. Additional Time Varying Tariff as below applicable.
  Time Varying Tariff for NEFT/RTGS	Additional Time Varying Tariff: 09:00 to 12:00 hrs - NIL, 12:00 hrs to 15:30 hrs - Rs. 1.00, 15:30 hts to 17:30 hrs - Rs. 5.00, Beyond 17:30 hrs - Rs. 10.00.
  RTGS Inward	Free

• Remittance Facilities through Other Bank

  Service Charge: Remittance Facilities through Other Bank

  DD Issue	HDFC & IDBI arrangements No extra cost. Normal DD issuing Charges. For DD on other banks, actual other bank charges plus Rs. 0.05 paise commission per Rs. 100.00 per instrument.
  DD Cancellation	Charges at Actuals.
  DD Duplicate	Charges at Actuals.
  DD Revalidation	Charges at Actuals.
  PO Issue (Local Draft)	No such arrangement with other banks.
  PO Cancellation	No such arrangement with other banks.
  PO Duplicate	No such arrangement with other banks.
  PO Revalidation	No such arrangement with other banks.
  TT Issue	No such arrangement with other banks.
  TT Cancellation	No such arrangement with other banks.
  TT Duplicate	No such arrangement with other banks.
  TT Revalidation	No such arrangement with other banks.
  EFT Charges - Inward	No such arrangement with other banks.
  EFT Charges - Outward	No such arrangement with other banks.
  RTGS Outward	No such arrangement with other banks.
  RTGS Inward	No such arrangement with other banks.
  Collection of Cheques	With IDBI & HDFC no extra cost.

• Foreign Exchange Transactions

  Service Charge: Foreign Exchange Transactions

  Remittance Outward	Commission - TT for import - 0.25%, Commission - TT for non-import - 0.125% subject to a minimum of Rs. 100.00.
  Remittance Inward	Rs. 225.00. Personal Remittances: - Rs. 50.00 up to USD 5000 & Rs. 100.00 for above USD 5000.
  TC - Selling	Commission - Not exceeding 1% on rupee equivalent. Commission for TC issued against foreign currency remittances received from abroad - 0.25%.
  TC - Encashing	0.25% subject to a minimum of Rs. 25.00.
  TC - Foreign Currency	Service not available at present.

• Cheque Collection

  Service Charge: Cheque Collection

  Local	Nil.
  Speed Clearing Non-At Par Cheques	View / Download (Format: Adobe "PDF" Document).
  Outstation through own Bank	View / Download (Format: Adobe "PDF" Document).
  Outstation through other Bank	View / Download (Format: Adobe "PDF" Document).
  Bouncing of cheques - Speed Clearing	Savings Account: Upto Rs. 10,000.00 - Rs. 50.00 per instrument. Above Rs. 10,000.00 to Rs. 1 Lakh - Rs. 100.00 per instrument. Above Rs. 100000 - 50% of Outstation Cheque Collection Charges. Current Accounts & Other type of Accounts 50% of Outstation Cheque Collection Charges.
  Bouncing of cheques - Local	Instruments sent for collection through clearing returned unpaid Rs. 10.00 per instrument: Instruments drawn by customers on us returned unpaid through clearing or otherwise Rs. 1.00 per Rs. 1,000.00 per day minimum of Rs. 100.00 per instrument.
  Bouncing of cheques - outstation - through own bank	View / Download (Format: Adobe "PDF" Document).
  Bouncing of cheques - outstation - through other bank	View / Download (Format: Adobe "PDF" Document).
  Allowing operation through Power of Attorney / Mandate Holder (One time)	Savings Rs. 50.00, Current / OD / CC Rs. 100.00.
  Change of Authorised signatory including reconstitution of account	SB : Rs. 50.00, Current / OD / CC Rs. 100.00 per occasion.
  Record copy of the cheque	Rs. 10.00 per instrument i.e. cheque/s honoured in a single date, subject to the min of Rs. 15.00 per instance. Actual xerox charges to be collected when color xerox taken. If there is a dispute about a cheque paid and the request is made within a period of one year no charges shall be levied.

• Bills

  Service Charge: Bills

  Bills outward	Rs. 0.30 paise per Rs. 100.00 subject to a minimum commission of Rs. 50.00 per bill + postage + other bank charges.
  Bills Inward	Rs. 0.45 paise per Rs. 100.00 subject to a minimum commission of Rs. 50.00 per bill + postage + other bank charges.
  Bills under ILC received for collection (if the lc is issued by our own branch then charges may be collected at the LC issuing branch)	Rs. 0.20 paise per Rs. 100.00.
  Local bills sent for collection returned unpaid	Rs. 25.00 per bill.
  Outstation bills sent for collection returned unpaid	50% of collection charges subject to a minimum of Rs. 25.00 per bill shall be charged.
  Collection of deposit receipts	The charges applicable to outstation instrument i.e. bills will be collected for local/outstation deposit receipt of other Banks.

• Bills Discounting / Negotiation

  Service Charge: Bills Discounting / Negotiation

  Bills discounting	Collection charges + applicable interest + postage.
  Commission for Bills Negotiation under ILC (Interest, Postage etc)	For Bills up to Rs. 5 Lakhs - Rs. 0.20 paise per Rs. 100.00, Above Rs. 5 Lakhs Rs. 1,000.00 per bill.
  ILC negotiation for non-customers and issue of pay order / local draft	Draft issuing charges of Rs. 100.00 per local draft, in addition to the normal commission, interest and postage etc, shall be collected.

• Retail and Business Loan(s) Processing Charges

  Service Charge: Retail and Business Loan(s) Processing Charges

  All Schemes	View / Download (Format: Adobe "PDF" Document).

• Other Retail Loan Related Charges

  Service Charge: Other Retail Loan Related Charges

  Loan Prepayment Charges	Nil (If Loan Closed from own sources of funds. Not Take Over by Another Bank.).
  No Due Certificate	Rs. 50.00 For no dues certificate, free for first occasion.
  Solvency Certificate	Rs. 100.00 per Lakh or part thereof. Min Rs. 100.00, Max Rs. 10,000.00.
  Charges for late payment of EMI	No Separate Charges. But penal interest is applicable.
  Charges for changing from fixed to floating rates of interest	Yet to introduce floating rate schemes.
  Charges for changing from float to fixed rates of interest	Yet to introduce floating rate schemes.

• ATM Cards

  Service Charge: ATM Cards

  Membership Fee	Free.
  Annual Fee	Free.
  Renewal Charges	Free.
  Late Payment Charges	No Overdraft is Allowed.
  Interest Charges	Not Applicable.
  Replacement Charges	Rs. 100.00.
  Pinmailer Request [not for first time]	Rs. 50.00.
  Transaction Charge for Partner Banks	As per NFS Mandate.
  Transaction Charge for Non-Partner Banks	Not Applicable.

• Credit Cards

  Service Charge: Credit Cards

  Admission Fee	Rs. 150.00 p.a. upfront.
  Membership Fee (One Time)	Personal / Corporate Rs. 250.00. Add-on Card Rs. 150.00.
  Annual Fee	Personal / Corporate Rs. 250.00. Add-on Card Rs. 150.00.
  Renewal Charges	No extra fee other than the upfront annual fee.
  Late Payment Charges	Nil.
  Interest Charges	Commercial Rate (PLR+2.50%) + 2% p.a.
  Replacement Charges	Rs. 200.00.
  Hotlisting Charges	Rs. 200.00.
  Cash Withdrawal	2.50% of amount withdrawn minimum Rs. 20.00.

• Debit Card

  Service Charge: Debit Card

  Membership Fee	No Charge.
  Annual Fee	No Charge.
  Renewal Fee	No Charge.
  Re-Issue of PIN	Rs. 50.00.
  Replacement Charges	Rs. 100.00.
  Transaction Charges at TMB Surabhi ATM	Nil.

• Charges at Visa / Plus ATMs

  Service Charge: Charges at Visa / Plus ATMs

  Cash withdrawal at Domestic	Rs. 20.00 per transaction.
  Cash withdrawal at International	Rs. 100.00 per transaction.
  Balance Inquiry at Domestic	Nil.
  Balance Inquiry at International	Nil.

• Charges at NFS ATM Network

  Service Charge: Charges at NFS ATM Network

  Financial Transaction	Rs. 20.00 per transaction.
  Non Financial Transaction	Rs. 9.00 per transaction.

• Charges at Point of Sale

  Service Charge: Charges at Point of Sale

  For Usage at Merchant Establishment	Nil.
  For usage at Petrol Pumps	Surcharge of 2.50% of transaction amount or Rs. 10.00 [whichever is higher].

• Miscellaneous

  Service Charge: Miscellaneous

  Balance enquiry	Free.
  Balance Certificate	Rs. 50.00.
  Interest Certificate	Rs. 50.00.
  Account Maintenance Certificate	Rs. 50.00.
  Bankers Report	Rs. 100.00 per Report.
  Account Closure	Less Than 2 Years: Individuals - Rs. 50.00. Non Individuals - Rs. 75.00. Special Category (Individual in Rural area, Pensioners, Senior Citizens) Rs. 25.00. More Than 2 Years: Individuals - Rs. 25.00. Non Individuals - Rs. 75.00. Special Category (Individual in Rural area, Pensioners) Rs. 25.00. Special Category (Senior Citizens) - Nil.
  Use of Fax / Telephone / Modem	Charges at Actuals.
  Photo Attestation	Rs. 25.00 per verification.
  Signature Attestation	Rs. 25.00 per verification.
  Stop Payment Charges	Rs. 25.00 per instrument. Max Rs. 200.00.
  Locker Facility Charges	View / Download (Format: Adobe "PDF" Document).
  Breaking open of safe deposit lockers when key is lost by the hirer	Actual Charges plus Rs. 200.00.
  One time Standing Instruction registration charges ( Other than transfer to Deposit / Loan accounts) (Setting up Fee)	Rs. 10.00.

• In-Operative Account SB/RD/NMD/DSD - (Half Yearly)

  Service Charge: In-Operative Account SB/RD/NMD/DSD - (Half Yearly)

  Balance in the account	Service Charges
  Above Rs. 100.00	No Charges.
  Above Rs. 20.00 up to Rs. 100.00	Rs. 10.00.
  Below Rs. 20.00	Full Amount.

• In-Operative Current Accounts - (Half Yearly)

  Service Charge: In-Operative Current Accounts - (Half Yearly)

  Balance in the account	Service Charges
  Up to Rs. 500.00	Rs. 20.00.
  Above Rs. 501.00 up to Rs. 2,500.00	Rs. 15.00.
  Above Rs. 2,500.00	Rs. 10.00.

• Electronic Clearing Service Charges

  Service Charge: Electronic Clearing Service Charges

  ECS Debit	Free.
  ECS Credit	Free.
  ECS Debit Return	Rs. 100.00 Irrespective of Amount.
  ECS Mandate	Free for Certifying and Verifying Customer Mandate.
  Remittance of installments and interest to the credit of Term loans and Demand Loans from other branches including remittance by cash (not for operative accounts)	Free for all term loan and demand loan accounts
  Rent on Post Parcels ( for parcels not cleared on presentation - charges applicable from the date of intimation)	Rural: Rs. 5.00 per day with a minimum of Rs. 10.00; Semi-Urban: Rs. 10.00 per day with a minimum of Rs. 25.00; Urban: Rs. 20.00 per day with a minimum of Rs. 50.00; Metro: Rs. 25.00 per day with a minimum of Rs. 100.00.
  Postal Tariff	Ordinary Post Rs. 5.00, Registered Post Rs. 25.00, Courier - Rs. 15.00.
  Noting of Stop Payment of DD	Rs. 25.00 per instrument.
  Issue of Duplicate Loan Books	Rs. 10.00 per item.
  Change of original instructions: Documents / bills: (waiving C form, Delivery, C Form, Free of payment, extending retirement time, etc)	Rs. 50.00 per request from the proceeds of collection unless instructed otherwise.
  Penalties for locker rent in default	Rs. 50.00 per quarter or part thereof for all category of lockers.
  Loss of Token	Rs. 100.00 per lost token.
  ILC Advising Charges	Rs. 200.00 per ILC.
  ILC Amendment charges	Rs. 50.00 per occasion.
  ILC signature verification charges	Rs. 50.00 per ILC.

• Cash handling charges during the Extended Business Hours

  Service Charge: Cash handling charges during the Extended Business Hours

  Cash Remittances	Rs. 1.00 per Rs. 1,000.00. All customers remitting cash in current account including Anywhere accounts, overdraft and cash credit accounts (including Cash remittances vouchers pertaining to DD / TT / FTFT / NEFT / RTGS also) after 3.00 p.m.

• Note: Service Tax as applicable at prevailing rates. The above charges are with effect from Nov 01, 2011 and subject to revision from time to time, but any such revisions will be published atleast 30 days in advance.