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Non-Credit Related Service Charges

Non-Credit Related Service Charges All Service Charges are exclusive of GST (Wherever Applicable)

pnb has started charges for sms alerts for transactions w.e.f. 01.07.2013

Individual Customers of Rural branches, Sr. Citizens & Pensioners (Charges for Sr. Citizens & Pensioners are irrespective of location of Branch)
Remittances by way of Demand Drafts / Local Demand drafts (Non Cash Basis)
Sl. No. Category Charges (Excluding GST)
Issuances of DD/Local DD Non-Individuals Individual customers of Semi-urban, Urban & Metro Branches Individual Customers of Rural branches, Sr. Citizens & Pensioners (Charges for Sr. Citizens &Pensioners are irrespective of location of Branch)
1 For GENERAL PUBLIC: (Excluding Students)
1 (i) Drafts upto Rs.10000/- Rs.40/- Rs.35/- Rs.30/-
1 (ii) Draft above Rs.10000/- Rs.4.00 per Rs.1000/- or part thereof subject to a Minimum of Rs.50/- and Maximum Rs.12000/- Rs.3.50 per Rs.1000/- or part thereof subject to a Minimum of Rs.40/- and Maximum Rs.12000/- Rs.3.00 per Rs.1000/- or part thereof subject to a Minimum of Rs.30/- and Maximum Rs.12000/-
1 (iii) For Students: Drafts in respect of his/her education/ examination fee only N.A. Rs.20/- for draft upto Rs.5000/- Above Rs.5000/- normal charges will apply (Free for students availing Education loan from our Bank) Rs.20/- for draft upto Rs.5000/- Above Rs.5000/- normal charges will apply (Free for students availing Education loan from our Bank)
Note: Credit/ Deposit Scheme (including NO Frill account) specific concessions would continue as mentioned specifically in the concerned Scheme.
2 DEMAND DRAFTS: REVALIDATION, CANCELLATION ,ISSUANCE OF DUPLICATE INSTRUMENTS ETC. ( Separate provision for Students have also been provided at footnote #)
2 (i) Demand Draft Revalidation* Rs.100/-
2 (ii) Demand Draft Cancellation Charges*

(i) Draft upto Rs.1000/- Rs. 20/- per draft

(ii) Draft above Rs. 1000/- Rs. 100/- per draft

2 (iii) Cancellation of instruments / issuance of other Lost instrument(s)* Rs.100/-
* Plus Actual Out of Pocket Expenses. # For Students: If demand draft(s) were got issued for educational purposes, students will be required to pay only Rs.10/- per instrument in respect of item no. 2 (i), (ii) & (iii)
Non-Individuals Individual customers of Semi-urban, Urban & Metro Branches Individual Customers of Rural branches, Sr. Citizens & Pensioners (Charges for Sr. Citizens &Pensioners are irrespective of location of Branch)
3 ISSUANCE OF DUPLICATE DEMAND DRAFTS:
3 (i) Upto Rs.10000/- Rs.100/-
3 (ii) Rs.10001/- to Rs.100000/- Rs.125/-
3 (iii) Above Rs.100000/- Rs.150/-
REMITTANCE OF FUNDS: FOR REMITTANCES/RETIREMENT OF BILLS THROUGH CASH, 30% EXTRA on the normal charges TO BE CHARGED IN ALL CASES, EXCEPT STUDENTS, MENTIONED BELOW Students are exempted from additional charges of 30% for issuance of drafts/ Local drafts, against deposit of cash, for educational purposes.

Notes:

  • Out of pocket expenses like Regd. dak charges for sending drafts /other instruments on behalf of customers must be recovered in full.
  • No Charges To Be Levied For Issuance Of Demand Draft Issued For Payment Of Proceeds Due To Restrictions Under Income Tax Act For Paying In Cash In Respect Of Matured Deposit Accounts Like Term Deposits And Ppf Or Other Such Accounts Under Govt. Run Savings Schemes
  • Premium Savings A/C. And Current A/C. Customers Shall Be Charged As Per Guidelines Issued From Time To Time In The Specific Scheme.
4 CHEQUE BOOK CHARGES:
4 (i) Issuance of MICR Cheque Books Rs.3.00 per cheque leaf Rs.2.50 per cheque leaf Rs.2.25 per cheque leafs
4 (ii) Issuance of Multicity Cheque Books Rs.3.00 per cheque leaf Rs.2.50 per cheque leaf Rs.2.25 per cheque leaf
4 (iii) Personalised Cheque Book (Bearing name & account number duly printed) Rs.3.00 per cheque leaf Rs.2.50 per cheque leaf Rs.2.25 per cheque leaf
5 Free cheque leaves to PNB Smart Banking (Current Account) Customers As per guidelines issued from time to time
6 Free Cheque Leaves to Saving Fund Account Customers (except Premium SF customers) 20 cheque leave free per half year.
7 Premium (Saving Fund) Customera As per guidelines issued from time to time
8 Interest Certificate in Deposit Accounts NOTE: one certificate to be issued `free of cost` every year. (Charges are to be levied only when the certificate has been lost after issuance and not in the event of non- receipt) Rs.100/- Rs.100/- Rs.100/-
Non-Individuals Individual customers of Semi-urban, Urban & Metro Branches Individual Customers of Rural branches, Sr. Citizens & Pensioners (Charges for Sr. Citizens & Pensioners are irrespective of location of Branch)
9

Balance Certificate/ Other Certificate, in Deposit Accounts

Note:

Original TDS to be issued Free of Cost. Charges are to be levied only when the certificate has been lost after issuance and not in the event of non-receipt of the same.

The beneficiaries who opt for any e-payment from Govt. Deptts,certification of mandate will be free.

Rs.150/- per certificate (Other than those which have been specifically exempted by bank)
10 attestation of signatures/ photograph Rs.200/- per instrument except Signature attestation for ECS purpose. Rs.100/- per instrument except Students, Defence forces, War widows, Physically-Handicap & Signature attestation for ECS purpose Rs.50/-per instrument except Students, Pensioners Defence forces , War widows, Physically-Handicap & Signature attestation for ECS purpose
11 Nomination Charges 1st option of nomination to be done free of charge, after exercising 1st option of nomination, for every change in nomination in any type of account Rs.100/-
12 Stop Payment Instructions* Rs. 100/- per instrument, Loss of cheque book: Rs.500/- for Saving & Rs.600/- for C/A Rs. 60/- per instrument, Loss of cheque book: Rs.250/ for Saving & Rs.500/- for C/A. Rs. 50/- per instrument, Loss of cheque book: Rs.200/ for Saving & Rs.400/- for C/A
*These charges are to be levied only once i.e. at the time of accepting the instructions for stop payment and no charges be levied while actually returning such instruments through clearing.
13 Issuance of Pass Book

Free

Pass Book shall be updated Free of Charges.

Non-Individuals Individual customers of Semi-urban, Urban & Metro Branches Individual Customers of Rural branches, Sr. Citizens & Pensioners (Charges for Sr. Citizens &Pensioners are irrespective of location of Branch)
14 Issuance of Duplicate Pass Book/ Statement:
Issuance of duplicate pass book with latest balance (Saving account customers) Rs.100/- per passbook. For previous entries Rs. 2/- per entry
Min. Rs.100/- Max.Rs.1000/-
Rs.100/- per passbook.
For previous entries Rs.2/- per entry
Min. Rs.100/-
Max.Rs.1000/-
Rs.50/- per passbook.
For previous entries Rs. 1/- per entry Min.Rs.50/-
Max.Rs.1000/-
15 Statement of Account Charges
15 (i) Monthly Once Free, thereafter, Rs. 2/- per entry, Minimum Rs.100/- per request. Once Free, thereafter, Rs. 2.00 per entry, Minimum Rs.100/-per request. Once Free, thereafter Rs. 1/- per entry, Minimum Rs.50/- per request.
15 (ii) Weekly Rs.450/- per year, for repeat request, Rs. 2/- per entry, Minimum Rs.100/- per request. Rs.450/- per year, for repeat request, Rs. 2.00 per entry, Minimum Rs.100/- per request. Rs.450/- per year, for repeat request, Rs. 1/- per entry, Minimum Rs.50/- per request.
15 (iii) Daily Rs.1000/- per year. For repeat request, Rs. 2/- per entry. Minimum Rs.100/- per request. Rs.1000/- per year. For repeat request, Rs. 2.00 per entry. Minimum Rs.100/- per request. Rs.1000/- per year. For repeat request, Rs. 1/- per entry. Minimum Rs.50/- per request.
16

Account Closure Charges

For Closing Recurring Deposit Account Within 1 Year Of Its Opening:

Rs.100/- (On Account Of Death Of Customer, No Charges Should Be Levied)

Benefit of waiving penalty for delayed payments against payment of equal number of advance installments in Recurring deposit account is not available. However, the Interest should be paid at applicable rate after deducting penalty charges.

Non-Individuals Individual customers of Semi- urban, Urban & Metro Branches Individual Customers of Rural branches, Sr. Citizens & Pensioners (Charges for Sr. Citizens &Pensioners are irrespective of location of Branch)
16 (i) for closing sf account within 1 year of their opening (except in case of death of customer) Rs.500/- Rs.300/- Rs.200/-
16 (ii) For Closing Current Account Within 1 Year Of Their Opening (Except In Case Of Death Of Customer) Rs.800/- Rs.600/- Rs.500/-
17 Penalty Charges For Depositing Delayed Instalments In Recurring Deposit Accounts PENALTY CHARGES to be levied for delayed installments in Recurring Deposit Accounts @ Rs.2/- for Rs.100/ p.m. irrespective of periodicity of deposit
18 Balance Enquiry Free.
Collection Services: To be read with notes at serial No. I to IV mentioned after item no. 22*
19 Collection Of Local Cheques Through Clearing Free
20 Collection Of Outstation Cheques (Except Cheques Which Are To Be Debited Through System)
20 (i) Cheques upto & including Rs.5000/- Rs.27.50 per instrument (inclusive of all expenses)
20 (ii) Cheques above Rs.5000 and upto Rs.10000/- Rs.55/- per instrument (inclusive of all expenses)
20 (iii) Above Rs.10000/- and upto Rs.1 lac Rs.110/- per instrument (inclusive of all expenses)
20 (iv) Above Rs. 1 lac Rs.165/- per instrument (inclusive of all expenses)
21 Collection Of Cheques through Speed Clearing (By collecting bank from customers) Upto Rs.1 lac: Free Above Rs.1 lac : Rs. 165/- per instrument
19 Collection Services: To be read with notes at serial No. I to III mentioned after item no. 23*
19 Collection Of Local Cheques Through Clearing Free Free Free
20 Collection Of Outstation Cheques (Except Cheques Which Are To Be Debited Through System)
20 (i) Outstation Instruments Upto And Including Rs.5000/- Rs.27.50 per instrument (inclusive of all expenses)
20 (ii) Cheques above Rs.5000/- and upto Rs.10000/- Rs.55/-per instrument(inclusive a llexpenses)
20 (iii) Above Rs.10000/- to Rs.1 lac Rs.110/- per instrument (inclusive of all expenses)
20 (iv) Above Rs. 1 lac Rs.165/- per instrument (inclusive of all expenses)
21 Collection Of Cheques through Speed Clearing

Upto Rs.1 lac: Free

Above Rs.1 lac : Rs. 165/- per instrument

22 Collection of Other Bank`s Deposit Receipts on Maturity Bank shall levy charges as applicable to collection of cheques. However, if proceeds are invested in FD for a minimum period of one year then no charges only out of pocket expenses to be recovered.

Notes in respect of item no. 19 to 22:

Collection Charges In Case Of Outstation Cheques Should Be Levied On The Gross Amount Of The Instruments

All Charges Are To Be Normally Recovered From The Proceeds Of Collection, Unless Specifically Instructed To Charge From The Drawees.

Collection Charges To Be Levied For Collection Of Outstation Cheques Upto Rs.15000/- Where Immediate Credit Is Afforded

Rebate To Premium Customers Shall Be As Per The Guidelines Issued From Time To Time.

23 Collection of OUTSTATION/ LOCAL BILLS: To be read with notes at serial No. I to IV mentioned after item no. 27*
Amount of Bill Charges (Excluding GST)
23 (i) Bills Upto Rs. 10000/- Rs.100/+ out of pocket expenses.
23 (ii) Bills Over Rs.10000/- Rs.8/- Per Rs. 1000/- or part thereof Subject to a Minimum Of Rs. 100/- + out of pocket expenses Maximum Rs.12,000/-.
24 Documents/Bills: received for collection: CHANGE OF ORIGINAL INSTRUCTIONS in respect of outward/inward bill for collection including (Waiving C Form, delivery Free of Payment, extending retirement time etc.) Rs.200/- per reference
25 Documents received for collection: if required to be delivered FREE OF PAYMENT to drawee OR to be returned back as UNREALISED. Rs.200/- per reference
26 ADVANCE AGAINST CHEQUES PRESENTED IN CLEARING – CHARGES (for customers seeking advance/ withdrawal against cheques already presented by bank in Clearing House) Rs.100/- + applicable interest.
27 Charges on Inward Collection (Bank to Bank) Remittance charges to be collected from the drawee.- Where remitting bank has no branch, commission to be shared on 50:50 basis.

Notes in respect of item no. 23 to 27:

Actual Postage, Telegram Charges And Any Other Out Of Pocket Expenses Have To Be Recovered In Full From The Customers.

Collection charges in case of bills should be levied on the gross amount of the instrument.

All charges are to be normally recovered from the proceeds of collection, unless specifically instructed to charge from the drawee.

Rebate to customers shall be as per the guidelines issued from time to time in specific scheme.

28 Returning Charges: Cheques/Bills Returned Unpaid: Returning Charges/ Handling Charges

Inward Clearing: Dishonor of cheques for want of funds or for any other reasons not attributable to our bank are as under:

(For cheques where drawer has requested for Stop payment, charges are to be levied only once i.e. at the time of accepting the instructions for stop payment and no charges be levied while actually returning such instruments through clearing).

Charges (Excluding GST)
Amount of Cheque Non-Individuals Individual customersof Semi-urban, Urban & Metro Branches Individual Customers of Rural branches, Sr. Citizens & Pensioners (Charges for Sr. Citizens &Pensioners are irrespective of location of Branch)
28 (i) Cheques Upto Rs. 100,000/- Rs. 300 /- per instrument/
28 (ii) Cheque above Rs. 1 lac and upto 1 Cr Rs.500/- per instrument
Interest at applicable rate for no. of days bank remained out of fund
28 (iii) Cheque above 1 Cr Rs.2000/- for 1st cheque and Rs.2500 per instance from 2nd cheque onwards during the month
Interest at applicable rate for no. of days bank remained out of fund
Charges (Excluding GST)
S.No Category Non-Individuals Individual customers of Semi-urban, Urban & Metro Branches Individual Customers of Rural branches, Sr. Citizens & Pensioners (Charges for Sr. Citizens &Pensioners are irrespective of location of Branch)
29 (i) LOCAL CHEQUES DISHONOURED –OUTWARD CLEARING i.e. cheques received by our customers and deposited for presentation in clearing house.

For Cheques up to Rs.1 Lac: Rs.100/- per instrument.

Above Rs.1 Lac: Rs.200/- per instrument. + out of pocket expenses if any

29 (ii) LOCAL CHEQUES -for presentation directly at the drawee bank Rs.100/- + out of pocket expenses or 50% of collection charges whichever is higher.
30 Local Bills –for presentation directly at drawee bank/ drawee Rs.200/- + out of pocket expenses or 50% of collection charges whichever is higher
31 Returning Charges For Outstation Cheques/ Bills
31 (i) Cheques upto Rs.1 Lac Rs 100/- per instrument + out of pocket expenses
31 (ii) Cheques above Rs.1 Lac Rs.200/- per instrument + out of pocket expenses
32 Bills Rs.200/- + out of pocket expenses or 50% of collection charges whichever is higher.
33. Standing Instructions:
33 (i) Registration Rs.50/-
33 (ii) Execution: Rs.35/-+ Remittance Charges+ Out of pocket expenses.
33 (iii) NON-EXECUTION CHARGES (due to insufficiency of funds) Rs. 50/- per transaction Rs. 35/- per transaction Rs. 35/- per transaction

NOTE: No charges to be levied for transfer entries within the accounts maintained at the same branch and instructions in respect of the following shall be carried out free of charge and no SI registration charges and SI remitting charges are to be levied:

Crediting/ Remitting interest in term deposit

Crediting /Remitting Recurring Deposit installments

Crediting /Remitting installments in Loan accounts

Charges (Excluding GST)
S.No. Category Non-Individuals Individual customers of Semi-urban, Urban & Metro Branches Individual Customers of Rural branches, Sr. Citizens & Pensioners (Charges for Sr. Citizens &Pensioners are irrespective of location of Branch)
34 Charges For Recording Reconstitution Of Account Rs.200/- PER OCCASION (exempted in case of death of the existing signatory) No charges for savings and current (individual) accounts. No charges for savings and current (individual) accounts.
35 ALLOWING operations through power of attorney/mandate Rs.500/- Per Annum or part thereof. Rs.300/- per annum or part thereof. Rs.250/- per annum or part thereof.
36 Change Of Authorised Signatory In Accounts Rs. 300/- Per Occasion (exempted for change due to death of the existing signatory), Rs.200/-per occasion (exempted for change due to death of the existing signatory), No charges from defence forces, Ex-servicemen, Physically Handicapped, war widows & Sr. Citizens Rs.200/- per occasion (exempted for change due to death of the existing signatory), No charges from senior citizens. Defence forces & ex-service men, Physically handicap, war widows & Sr. Citizens
37 Copy of original of cheque/draft (paid by the bank) Rs.100/- for original or Rs.50/- for attested copy per instrument.
38 Charges For Drawing Cheque Less Than Rs. 50/- Rs. 20/- Per Cheque No Charges No Charges
39 Transfer Of Savings Bank Account To Any Of Our Branches. Only Out of Pocket expenses to be recovered with a maximum of Rs.50/-
40 Transfer Of Entire Balance In Savings Bank Account To Some Other Bank Remittance Charges + Out of pocket expenses
41. Electronic Clearing Service
41 Transfer Of Entire Balance In Savings Bank Account To Some Other Bank Remittance Charges + Out of pocket expenses
42. Electronic Clearing Service

ECS: Credit Clearing: Charges (Per Data Entry/Record)

sponsor bank: Minimum Charges Rs.2000/- + Charges Payable To Rbi And Destination Bank, If Any.
Upto 10000 records @Rs.5/- per record + charges payable to RBI and Destination Bank, if any.
Above 10000 to 100000 records @Rs.3/- per record + charges payable to RBI and Destination Bank, if any. (Subject to a minimum of Rs.50,000/-).
Above 100000 records @Rs.2/- per record + charges payable to RBI and Destination Bank, if any. (Subject to a minimum of Rs.3, 00,000/-.)
ECS: Debit Clearing
ECS: Debit Clearing: Rs.3/- Per Transaction Charges Minimum Charges Rs.2000/- + Charges Payable To Rbi And Destination Bank, If Any. Subject To Recovery Of All Out Of Pocket Expenses Including Processing Charges In Case They Are Ever Again Levied By Reserve Bank Of India.
A sum of Rs.100/- be levied as returning charges on return of ECS (Debit) on account of Insufficient Funds.
Full waiver in respect of INCOME TAX REFUND ORDERS: Reserve Bank of India vide their circular No. RBI/2004/90- DBGA. GAD No. H-767/42.01.034/2003-04 dated 9.3.2004 on the subject has conveyed that Government has taken a decision to implement Electronic Clearing services (ECS) credit for direct tax refunds. Accordingly, no ECS charges be levied in respect of Income Tax Refund Orders.

PNB Insta-Remit: Notwithstanding Anything Contained In Any Other Circular, Following Service Charges Would Be Levied For Transfer Of Funds Through:

Real Time Gross Settlement (Rtgs)

national electronic fund transfer(neft)

Structured financial messaging system (sfms)

The following charges are to be recovered from the customers as per time varying tariff on all the outward RTGS transactions:

Block Time of transaction verification Time varying tariff per transaction (Rs.) RTGS Charges
From To Rs.2 lacs to Rs.5 lacs Above Rs.5 lacs
1 08:00 11:00 Nil Rs.25/- Rs.50/-
2 After 11:00 13:00 2.00 Rs.27/- Rs.52/-
3 After 13:00 16:30 5.00 Rs.30/- Rs.55/-
4 After 16:30 10.00 Rs.30/- Rs.55/-
B RTGS: Inward Remittances: Free
SERVICE charges for NEFT
C Outward Neft For Customer Related Transactions: Amount of transaction Charges
Upto Rs.10000/- Rs. 2.50
Above Rs.10000/- to Rs.1 lac Rs. 5.00
Above Rs.1 lac to Rs.2 lac Rs.15.00
Above Rs. 2 lac Rs. 25.00
NEFT Charges if transactions made through digital channels i.e. Internet Banking, Mobile Banking & Kitty.
Up to 5000 NIL
Above 5000 to 10000 Rs. 2
D Inward :NEFT Free
If handling of cash is involved, cash handling charges would be levied @ 30% extra of normal charges.
E SMS Alerts Charges Rs.15/- per quarter from the customers registered for SMS Alerts

The following categories of accounts have been exempted for SMS Alerts charges:

Senior Citizen accounts

Vidyarthi accounts

Mitra accounts

S.No. Category
43

Account Maintenance Charges for CA, CC, CA-OD, (erstwhile ledger folio charges) (on quarterly basis) beyond free of charge permissible entries mentioned as under:

Rs. 1.80 per entry/record, minimum Rs.50/-, maximum Rs.1000/-

However, If no transaction have been made during the quarter, Minimum of Rs 50 would be charged
43 (i) FREE ENTRY/RECORD, allowed in current accounts including CC and CA-OD, if CC & OD are running as C/A because of credit balance.
Average credit balance/ QAB :Upto Rs. 25000/- No free of cost entries allowed
Above Rs. 25000/- upto Rs.50000/- 50 entries per quarter
Above Rs. 50000/- – upto Rs. 1 lac 75 entries per quarter
Above Rs. 1 lac upto Rs. 2 lac 125 entries per quarter
Above Rs. 2 lac to less than 5 lac 250 entries per quarter
Rs. 5 lac and above Unlimited data entries free of cost
44 Saving Fund Accounts: Account Maintenance Charges for SF accounts

Free- 50 debit entries per quarter (Excluding entries related/created through alternate channels/ ATM/PNB ATMs, charges, bank`s interest, sweep debits & standing instructions)

Above 50 debit entries –Rs.5/- per entry

45 Minimum Qly. Average Balance Requirements For Saving Fund Accounts And the Charges for non maintenance of QAB in Operative Saving Fund Accounts:
QAB MaintainedCharges in Rs.
RuralSemi- UrbanUrbanMetroRuralSemi- UrbanUrbanMetro
upto 250upto 500100150200250
251-500501-100075125150200
501-7501001-150050100100150
751 -9991501 -1999255075100
* Self Help Groups(irrespective of location of branch) : Rs. 100/-

Note: However, there shall not be any condition of maintenance of minimum balance in case of, Pensioners, Students, Sr. Citizens, Blind/ Deaf & Dumb and Salaried accounts (where the account is opened in the respective code), these shall be exempted from the Quarterly Average Balance requirements.

Initial Deposit Amount for the purpose of account opening shall be Rs. 500/-, except otherwise mentioned in specified scheme, at all the offices, however, for non maintaining the required QAB, incidental charges shall be levied as per rules or as specified in the scheme.

46 (i) Minimum Qly. Average Balance And Incidental Charges Requirements For Current General Accounts
Area Minimum Qly. Average Balance and Initial Deposit Non Maintenance of QAB Charges (per quarter)
Rural Rs.2500/- Rs.400/-
Semi-Urban Rs.5000/- Rs.500/-
Urban Rs.10000/- Rs.1000/-
Metropolitan Rs.10000/- Rs.1000/-
46 (ii) Minimum Qly. Average Balance And Incidental Charges Requirements For Smart Banking Current Accounts :
Particulars Minimum Quarterly Average Balance (QAB) Non Maintenance of QAB Charges (per quarter)
Silver Rs.100000/-
For Rural & Semi-Urban Branches
Below Rs 1.00 Lac Rs 500/-
For Urban/Metro Branches
Below Rs 1.00 Lac but = 10000/- Rs 500/-
Below Rs 10000/- Rs 1000/-
Gold Rs.200000/- Rs.1000/-
Diamond Rs.500000- Rs.2000/-
Platinum Rs.1000000/- Rs.4000/-

Note: (1) For non-maintaining the required QAB, incidental charges shall be levied as stated above

Note:2: Levy of charges and penalties, as prescribed, under QAB balance shall be levied on quarterly basisinstead of pro-rata basis. Accounts closed during a quarter shall attract full charges for non-maintenance of average balance in case stipulated Balance is not maintained for the no. of days a/cs remained with bank.

47 Safe Deposit Services*
47(i) Safe Deposit Custody: Bank`s Own Deposit Receipts Free Of Cost
47(ii) Safe Deposit Of Sealed Covers From Government Bodies/Organisations Rs. 350/-Per Cover Per Annum Or Part Thereof
47(iii) Safe Deposit Of Sealed Boxes From Government Bodies/ Organisations (Size Upto 30x30x30cms) Rs.3000/-PER BOX PER ANNUM OR PART THEREOF
*For Security Considerations, These Services Are Not To Be Provided To General Public.
48 locker rents :
Size Of Locker Locker Rent (per Annum)
Metro * Urban Semi Urban Rural
Small Rs. 1500/- Rs. 1200/- Rs. 800/- Rs. 800/-
Medium Rs.3500/- Rs. 2800/- Rs.2000/- Rs.2000/-
Large Rs.5500/- Rs. 4500/- Rs.3000/- Rs.3000/-
Extra Large Rs.10000/- Rs. 8000/- Rs.6000/- Rs.6000/-
However, concession allowed in any individual product will continue.
* A premium of 25% in identified metro branches
49 Security deposit required for lockers: a Security deposit by way of Term Deposits ( for the lease period of locker) required for lockers
Size Of Locker At all Centres - Term Deposit of Rs
Small Rs. 10000/-
Medium Rs. 15000/-
Large Rs.20000/-
Extra Large Rs.30000/-
49 (a): FREE LOCKER VISITS: Unlimited
49 (b): ONE TIME REGISTRATION CHARGES AT THE TIME OF LEASING OUT OF LOCKERS
Rs 200 for Rural/Semi Urban
Rs 500 for Urban/Metro

BREAK OPEN CHARGES - Actual + Rs 1000
50 Penalties for Locker Rent in Default
Size Of Lockers Penalty charges per month or part thereof at all the branches* (also read notes)
Small Rs. 20/
Medium Rs. 40/-
Large Rs. 60/-
Extra Large Rs.120/-

* 1. ANY DEFAULT WILL ATTRACT PENALTY CHARGES FOR A COMPLETED MONTH.

2. The rent should become due w. e. f. 1st of the succeeding month in which the locker is leased out. One month may be allowed for payment of rent due.

51 Old Records Inquiries*
Duration of old record Charges: (PER ITEM / REFERENCE)
51 (i) Upto one year old Rs. 100/-per reference/request/ document/ per sheet + Out of pocket expenses
51(ii) Beyond one year Rs.300/- per reference/request/ document/ per sheet + Out of pocket expenses
*Charges To Be Refunded For Mistake Detected On The Part Of The Bank.
52 Presentation Of Usance Bills For Acceptance Charges
52(i) Presentation of Usance Bills for Acceptance Bills upto Rs. 1 lakh Bills above Rs. 1 lakh
All Centres Rs.100/- + out of pocket expenses Rs.150/- + out of pocket expenses
53 Issuance Of Local Demand Draft Current Account With Sbi Or Other Banks (For Clearing Cheques Drawn In The Account A levy of commission of 15 paisa per cent will be applied in respect of cheques drawn favouring third parties including cheques favouring other Banks
53 (i) Collection of local cheques Collection of local cheques on behalf of agency banks will also be charged at the above mentioned rates.
54. Postal Charges For All Services To Be Charged As Under
54(i) Ordinary Post Rs.10/- or actual expenditure whichever is higher
54(ii) Regd. Post/ Courier Charges Rs.75/- or actual expenditure- whichever is higher
55. Cash Handling Charges (DEPOSIT):
55 (i) Cash Deposit Charges at Base Branch

Saving Fund - Free

For Current/CC/OD Customers (Other than Saving Fund):

Upto Rs. 2 lac per day -- Free

Above Rs.2 lac per day -- Rs. 1/- per Rs.1000/- or part thereof

55(ii) Cash Deposit at all branches within same city. (Other than Base Branch.)

Saving Fund – Free upto Rs.5,000/- per day

For Saving Fund above Rs.5,000/- and Current/CC/OD Customers;

Rs. 1/- per Rs. 1000/- or part thereof with a minimum of Rs. 25/- per transaction

55(iii) Cash Deposit at Outstation Non-Base Branches (Other than same city branches)

Saving Fund – Free upto Rs.5,000/- per day

For Saving Fund above Rs.5,000/- and Current/CC/OD Customers :

Rs. 2/- per Rs. 1000/- or part thereof with a minimum of Rs. 25/- per transaction

Note for 55(i) to 55(iv):

There is no limit for depositing cash in all type of accounts.

There are no charges for depositing cash in KCC, RD, Term Loan, Demand Loan including NPA & Protested accounts, RRBs sponsored by PNB at any branch.

Cash Deposit Charges will be applicable as per guidelines of various specific schemes issued from time to time.

Maximum limit is Rs.25,000/-per day per account for deposit of cash at non base branches (Local/outstation)/cash deposit machine.

55(iv) Cash Deposit Through Cash Deposit Machine (Cdm):
CDM at base branch

Saving Fund – Free

For Current/CC/OD Customers (Other than Saving Fund):

Upto Rs. 2 lac per day -- Free

Above Rs.2 lac per day -- Rs. 1/- per Rs. 1000/- or

CDM at all branches within same city. (Other than Base Branch.)

Saving Fund – Free upto Rs.5,000/- per day

For Saving Fund above Rs.5,000/- and Current/CC/OD Customers :

Rs. 1/- per Rs. 1000/- or part thereof with a minimum of Rs. 25/- per transaction

CDM at Outstation Non-Base Branches (Other than same city)

Saving Fund – Free upto Rs.5,000/- per day

For Saving Fund above Rs.5,000/- and Current/CC/OD Customers :

Rs. 2/- per Rs. 1000/- or part thereof with a minimum of Rs. 25/- per transaction

55(v) Cash deposit charges for issuance of FDR in favour of Banks against tender of Cash (FDR in favour of customers, excluding Banks, shall be issued free of cash handling charges) If FDR is issued for a period up to 45 days cash handling charges @ Re.1/- per Rs.1000/- or part thereof shall be recovered. If FDR is issued for a period above 45 days to 90 days cash handling charges @ Rs.0.50 per Rs.1000/- or part thereof shall be recovered. However, FDRs for 91 days and above shall continue to be issued without recovering cash handling charges. Note: FDR in favour of RRBs sponsored by PNB shall be issued without recovering Cash Handling Charges.
56 Cash Handling Charges (WITHDRAWAL):
56 (i) Cash withdrawal at Base Branch Free
56(ii) Cash withdrawal at local non-base Branch

For Savings customers:

No Charges for cash withdrawal up to Rs.1 lac per day. Thereafter, Re.1/- per Rs.1000/- or part thereof.

For CC, C/A, OD:

No Charges for cash withdrawal up to Rs.25000/- per day. Thereafter, Re.1/- per Rs.1000/- or part thereof.

56 (iii) Cash withdrawal at outstation non-base Branch

For Savings customers:

No Charges for cash withdrawal up to Rs.50000/- per day. Thereafter, Rs.2/- per Rs.1000/- or part thereof.

For CC, C/A, OD:

No Charges for cash withdrawal up to Rs.25000/- per day. Thereafter, Rs.2/- per Rs.1000/- or part thereof.

57 Transfer Of Funds
57(i) Transfer of Funds between Accounts at all the Branches* Free
58 clearing:
58(i) For presenting cheque at Outstation Branches through inward clearing Free
58(ii) Collection of Cheques through Non-base outstation branches Free
59 IMPS Charges Rs. 5/- per transaction will be charged (w. e. f 23.07.2014)
If made through digital channels i.e. Internet Banking, Mobile Banking & Kitty

service charges pertaining to atm / debit cards

Sl.No. Particulars of Charges Charges
1 Type of Card
Platinum Card Rs 300/-
International Card Rs 200/-
Prepaid Card Rs 20/-
Other Card Nil
2 Charges for Issue of Duplicate ATM/Debit Card/Replacement of ATM/Debit Card Rs. 200/-
3 ATM/Debit Card (including Add on Cards) Annual Fee on completion of one year and thereafter to be charged on yearly basis. Rs. 100/-
4 Charges for issuing Add on Card Rs. 100/- per card
5 Charges for issue of duplicate PIN (However, if the Card has not been used even once due to error in printing of PIN, issue of Duplicate PIN shall be free) Rs. 50/-
6 Issue of ATM/Debit Card with photograph of the Cardholder Rs. 25/-
7 Mitra Card Annual Fee/Duplicate PIN/Duplicate Card Charges Nil
8 Mark up Charges for each POSP transaction at Petrol Pumps, Restaurants and for Railway Bookings, etc. @2.5% subject to minimum of Rs.10/-

"Sr. Citizens maintaining Quarterly average balance of Rs 5000/- are eligible for waiver of annual fees of ATM/Debit Card. Annual Charges will be automatically recovered at HO level through CBS. For PNB Saving Bank Account Cardholders, ATM transactions (Financial as well as Non-Financial) on PNB networked ATMs are free. Bank has restricted number of free transactions on other Bank`s ATMs in six metro cities from existing five to three, whereas at non metro centers, free ATM transactions will continue to be five as earlier. However, the overall cap for free transactions on other Bank ATMs will be five. Over and above these free transactions, charges will apply as Rs. 20/- per transaction (financial as well as non-financial)."

The charges for International transactions at ATMs are as follows:

  • Cash Withdrawal - Rs. 150/- per transaction
  • Balance Enquiry - Rs. 15/- per transaction

The charges for International ATM transactions in Nepal under Everest Bank Ltd. Sharing arrangement are as follows:

  • Cash Withdrawal - Rs. 50/- per transaction
  • Balance Enquiry - Rs. 15/- per transaction

The charges for International ATM transactions in Bhutan under Druk PNB Ltd. (DPL) Sharing arrangement are as follows:

  • Cash Withdrawal - Rs. 6/- per transaction
  • Balance Enquiry - Nil

For International use the maximum threshold limit for cash withdrawal, POS & Ecommerce transaction has been fixed as Rs.25000/- as per RBI guidelines.

Depository Charges
charges
S. No. Activity for investors having Demat account only for investors trading through IDBI Capital/ SMC/NSBL for Staff
1 A/c Opening NIL (only stamp charges) NIL (only stamp charges) NIL (only stamp charges)
2 A/c Closing NIL NIL NIL
3 A/c Freezing / Defreezing Rs. 20/- per instruction NIL NIL
4 Dematerialisation Rs. 2.25/- per certificate with minimum of Rs.25/- including postage Rs. 1/- per certificate with minimum of Rs.25/- including postage Rs. 1/- per certificate with minimum of Rs.25/- including postage
5 Rematerialisation

a fee of Rs.10 for every hundred securities or part thereof ;

OR

b a flat fee of Rs.10 per certificate, whichever is higher. No rematerialisation fee shall be charged for Government Securities.

a. a fee of Rs.10 for every hundred securities or part thereof ;

OR

b. a flat fee of Rs.10 per certificate, whichever is higher. No rematerialisation fee shall be charged for Government Securities.

OR

a. a fee of Rs. 10 for every hundred securities or part thereof ;

OR

b. a flat fee of Rs. 10 per certificate, whichever is higher. No rematerialisation fee shallbe chargedfor Government Securities.

6 Security Deposit (Refundable / Non Refundable) N.A. N.A. N.A.
7 A/c Maintenance Accounts under PNB Total Freedom Scheme and senior citizens: NIL Others: Rs. 250/- p.a. Staff: 115/- p.a. For the clients maintaining trading account with IDBI Capital/SMC/NSBL- Free for the first year. From 2nd year onwards:Rs.250/- p.a., Others: Rs. 250/- p.a. Accountsunder PNB Total Freedom Scheme and senior citizens: Nil For the staff members maintaining trading account with IDBI Capital/SMC/NSBL-Free for the first year From 2nd year onwards: Rs.115/- p.a. Others: Rs.115/- p.a. For senior citizens: Nil
8 A/c Maintenance Charges for Corporate, MF, Trusts, Clubs, Brokers. Big Investors & Traders. Rs. 350/- p.a. Rs. 350/- p.a. N.A
9 Transaction (Sell) Other than Debt Instruments / Govt. Securities 0.033 % of market value with minimum of Rs. 20/- p.i. and max.of Rs. 250/- per instruction Rs. 13 /- per instruction Rs. 13 /- per instruction
10 Transaction (Sell ) in case of Debt Instruments / Govt. Securities 0.026% of market value with minimum of Rs.20/- p.i. and maximum of Rs.255/- per instruction 0.026% of market value with minimum of Rs.20/- p.i. and maximum of Rs.255/- per instruction 0.026% of market value with minimum of Rs.20/- p.i. and maximum of Rs.255/- per instruction
11 Creation of pledge Rs. 60/- per instruction for pledge in favour of PNB whereas, in case of Pledge favouring others:0.040 % of transaction value min.Rs.60/- per transaction Rs.60/- per instructions for pledges in favour of PNB whereas, in case of Pledge favouring others : 0.040% of transaction value min. Rs.60/- per transaction Rs. 60/- per instruction for pledge in favour of PNB whereas, in case of Pledge favouring others: 0.040 % of transaction value min Rs. 60/- per transaction
11 A Close of Pledge Nil Nil Nil
11B Invocation of pledge Nil Nil Nil
12 Custody Charges NIL NIL NIL
13 Other Charges Modification of Accounts details - Rs. 50/- per request. Initially one booklet (DIS) of 10 leaves will be provided free of cost. Extra DIS to be charged @ Rs.1/- per leave. N NIL NIL

Other Terms & Conditions for Depository Charges:

  • Market value as on date of transaction as advised by NSDL.
  • The above schedule of charges is based on NSDL charges and is subject to revision at the discretion of the Bank.
  • Any revision in the schedule of charges will be notified by ordinary post with 30 days notice.
  • This revision in charges supercedes all our earlier rate structures.
  • The rates indicated in % terms will be applied on the value of transactions as computed by NSDL.
  • GST as applicable would be charged extra for any service not listed above
  • AMC charged shall not be refunded in case of closure of A/c.
  • Cost of non – Judicial stamp paper to be borne by the client
  • Out of pocket expenses i.e. postage, telephone, fax, mail etc. on actual basis wherever applicable shall be charged extra.

CMS Products/Other Services

Sl.No. Activity Charges
1 CMS Services
FOR LCC MODULE
Annual Turnover In Rs. Crore
TYPE OF CENTER >250 100-250 <100
METRO 06 15 25
URBAN 20 30 50
SEMI-URBAN 50 70 90
RURAL 70 90 120
2 (Fund Collection Module) FCM Rs. 2.00 per thousand with minimum of Rs. 40 per transaction whichever is high.
3 Door Step Banking System Rs 50 Per visit service provider charges + cash handling charges at base branch.
4 e-CMS (Virtual Account) Rs.5/- per transaction.
5 ADM Facility 1. Mandate Registration/ verification charges :Rs 40.00/-per mandate (One time charge)
2. Mandate execution charges on due date :Rs 5.00/- per transaction
3. Representation for Returning Charges :Rs.100.00/- per transaction

IMPS, SMS Alert & ATM Transactions

Sl.No. Activity Charges
1 IMPS Fund Transfer Upto Rs. 1 Lac - Rs.5
2 SMS Alert Charges SB Account - Rs. 15.
Other than SB Account Rs. 25/-(Per quarter)
3 RTGS Through Net Banking
Rs. 2 Lacs to Rs. 5 Lacs Rs. 25/-
Above 5 lacs : Rs. 45/-
Through branches : As per existing charges
4 Transaction Charges at owned ATM Free upto 5 transaction. Rs. 10/- beyond 5 transations.
Number of Transactions includes:
(A) financial (where cash withdrawal is being made through ATM).
(B) Non-financial transaction for issue of mini statement. There are no charges for other non-financial transactions
5 Transaction Charges at PNB Card holders on other bank ATMs(Issuer Transaction) Free Financial/Non Financial txns (3 in case of metro and 5 in case of other centres) Beyond this Rs. 20

National Automated Clearing House(NACH) Services

Sl.No. Charges
Outward NACH Credit Transaction of Corporates
1 Rs.2/- per record subject to a minimum of Rs. 500/-
Outward NACH Debit Transaction of Corporates
2 Rs. 2/- per record subject to a minimum of Rs. 500/-
Inward NACH Mandate Varification
3 Rs. 100/- per mandate on acceptance
Outward NACH mandate of Corporates
4 Rs. 50/- per mandate on acceptance
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