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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

Banking Facilities to Senior Citizen of more than 70 years of age and Differently Abled Persons are as under:

Sl.No. Nature of Service Service Charges#
(Door Step Banking (DSB) to Senior Citizens Above 70 Years & Differently Abled Persons)
1 Non-financial transaction Rs.60/- + GST
2 Financial transactions Rs.100/- + GST
  • Service to be provided through Base Branch only.
  • Customer’s registered address should be within the radius of 5 KMs of the base branch at Metro/ Urban/ Semi Urban and 2 KMs in Rural area.
  • Amount of cash deposit/ withdrawal per day restricted to Rs.20,000/-
  • The above mentioned service charges will be applicable w.e.f 01.07.2019.

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)
S.No. PARTICULARS CHARGES

A.1. - SERVICE CHARGES PERTAINING TO GENERAL BANKING

1. MAINTENANCE OF LEDGER ACCOUNTS

1.1

Minimum Balance Requirement and Charges for Not Maintaining Minimum Balance in the Account

Saving Account

Minimum Quarterly Average Balance (QAB)

Area

Min. QAB

Initial Deposit

Rural

Rs. 500/-

Rs. 500/-

Semi Urban

Rs. 1000/-

Rs. 1000/-

Urban & Metro

Rs. 2000/-

Rs. 2000/-

Charges per Qtr. for Not Maintaining Minimum Balance

Shortfall in QAB

Rural

Semi-Urban

Urban/ Metro

Up to 50%

Rs. 50/-

Rs. 100/-

Rs. 150/-

Above 50%

Rs. 100/-

Rs. 150/-

Rs. 250/-

Current Account

Minimum Quarterly Average Balance (QAB)

Area

Min. QAB

Initial Deposit

Rural

Rs. 1000/-

Rs. 1000/-

Semi Urban

Rs. 2000/-

Rs. 2000/-

Urban & Metro

Rs. 5000/-

Rs. 5000/-

Charges per Qtr. for Not Maintaining Minimum Balance

Charges

Rural/ SU

Urban/ Metro

Rs. 200/-

Rs. 300/-

· QAB of Rs.100/- is required for Self Help Group accounts (irrespective of location of branch)

· Charges as above shall be levied for non-maintenance of minimum average balance quarterly.

· Recovery of charges should not turn into negative balance solely on account of levy of service charges.

· No Penal Charges for non-maintenance of minimum balance in respect of Inoperative/ Dormant accounts as per RBI guidelines

· Frequency of charging Qtly charges shall be in line with PNB i.e. Apr./Jul/Oct./Jan.

1.2

Duplicate Passbook / Statement

Pass Book/ StatementNon-Individuals & Individual (All Branches)

With latest Balance only

Rs. 100/-

With previous Entries

Rs. 2/- per entry, Min Rs. 100/- Max. Rs. 1000/-

Note:

· Issuance of new passbook shall be free of cost.

· For CA/CC/OD: One statement of account per month free.

· In case customer requests for statement through M-Banking / I-Banking /through e-mail & In case of Flexi deposit accounts (Saving & Current) charges shall be NIL.

· Statement of Account with Shorter Frequency (For CA/CC/OD Accounts only): Customer to register e-mail login and utilize i-Bank facility for downloading statement.

1.3

INCIDENTAL / LEDGER FOLIO / ACCOUNT MAINTENANCE CHARGES– OPERATIVE ACCOUNTS BEYOND FREE OF CHARGE PERMISSIBLE ENTRIES

Free Folio Allowed in Accounts in Current Accounts

Quarterly Average Credit Balance (in Current account)

Up to Rs. 25,000/-

NIL

Above Rs. 25,000/- up to Rs. 50,000/-

2

Above Rs. 50,000/- up to Rs. 1,00,000/-

4

Above Rs. 1,00,000/- up to Rs. 2,00,000/-

7

Above Rs. 2,00,000/-

No limit

For accounts maintained in computer, 40 entries or part thereof is treated as one ledger folio.

Charges beyond free limit

SB Account

Rs. 2/-per entry in excess of 40 debits permitted in half year in SB account (for non-cash transaction excluding bank induced/ ATM/ i-Bank)

CA/ Cash Credit/ Overdraft

Rs. 2/-per, entry subject to Min Rs. 100/- Max. Rs. 1000/-

(no free folios in OD/CC Accounts)

CHARGES ON EXCESS DEBITS IN ACCOUNT

Basic Savings Bank Deposit Account (BSBD)

Rs. 5/-per debits in excess of 6 debits permitted in a month.

1.4

Cheque Book Issuance Charges

CTS-2010 Standard Cheques

Non Individuals/ Individuals

Personalised request through

(a) Digital mode: Rs. 3/- per leaf

(b) Branch- Rs. 4/- per leaf

Non- Personalised

Rs. 5/- per leaf

Free Cheque Book:

SB A/c:One Cheque book of 20/25 Leaves free in a FY

BSBD Account:10 Cheque Leaves Free Per year

1.5

Standing Instructions

Particulars

Charges

For transactions involving transfer of funds to other centers

Applicable ABB Charges

Registration of SI

Within the Bank: NIL

Inter Bank:Rs. 50/- per instruction

Execution of Standing Instruction / remittance to other institutions viz.LIC premium etc.

Within the Bank: NIL

Inter Bank:Rs. 50/- per instruction plus Remittance charges plus actual postage

Non Execution of SI (due to insufficiency of Funds) Applicable to all types of transactions

Rs. 100/- per transaction plus Remittance charges plus actual postage

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:

1.Crediting/ Remitting interest in term deposit

2.Crediting/Remitting Recurring Deposit installments

3.Crediting/Remitting installments in Loan accounts

1.6

Stop Payment Instructions

Particulars

Charges

SB Accounts

Rs. 100/- per instrument,

Range of Cheque Rs. 300/- (range of 3 and more cheque)

CA/CC/OD Accounts

Rs. 200/- per instrument,

Range of Cheque Rs. 600/- (range of 3 and more cheque)

· 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.

· No charges shall be levied if stop payment instructions made through registered Internet Banking

1.7

Cancellation / Revocation of Stop Payment Instructions

SB Accounts

Rs. 20/-per instrument; Maximum Rs. 200/- per instruction

CA/CC/OD Accounts

1.8

Penalty Charges for Depositing Delayed Installment Recurring Deposit Account

Rs. 1/-per 100/- pm irrespective of periodicity of deposits.

Note: 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.

1.9

Closure of Account

Particulars

Charges

A. Account Closed within 14 days from the opening of account

No Charges

B. Accounts closed after 14 days but within 12 months of opening

RD Account

Rs. 100/-

Savings Bank account

Rs. 300/-

Current Accounts

Rs. 600/-

Accounts closed after 12 months

Nil

Note:

· No account Closure charges on account of Death of the customer.

· Transfer of account from one branch to another branch of the Bank shall not be considered as closure of account, hence no charges will be recovered. Similarly opening of another account in the joint names after closing the existing one and payment in the deceased depositor account shall not be considered as closure of account.

· If the customer is not happy about his/ her choice of SB/CA a/c or services provided by the bank, he / she may within 14 days from the opening of account, approach the bank to switch to any of our other accounts. Alternatively, he / she may ask for refund of the amount which will be given back to him / her with any interest it may have earned. The bank will not levy any service charge for closure of the account within 14 days from the date of making the first payment into the account.

1.10

Operation in the Account

Individuals

Non - Individuals

Allowing operations through Power of Attorney

Rs. 300/-all customers

Rs. 500/-

Change of Authorized Signatory / Operational instructions in the account / Recording reconstitution

Nil

Rs. 200/- per occasion

Note: No charges in case of death of existing signatory /account holder.

2. REMITTANCES

2.1

Issuance of Demand Draft

Up to Rs. 10000/-

Rs. 50/-

Above Rs. 10,000/-

Rs. 4.00 per thousand or part thereof, Minimum Rs. 50/-, Max. Rs. 15000/-

Against tender of Cash (Below Rs. 50000/-)

@50% of over and above normal charges (as mentioned above)

2.2

Issuance of Duplicate Draft / Revalidation of Draft / Cancellation of Drafts / Other Instruments

Demand Draft/Other instrument

1

Revalidation

Rs. 100/- per instrument

2

Cancellation Charges

3

Issuance of Lost instrument(s)

4

Issuance of Duplicate Draft

5

Against tender of Cash (Below Rs. 50000/-) for any mode of Remittance

Rs. 250/-per instrument

· No charges shall be levied for issuance of Drafts favoring beneficiaries on account of disbursement of Term Loans/ Retail Loans/Housing Loans.

· Credit/ Deposit Scheme (including NO Frill account) specific concessions would continue as mentioned specifically in the concerned Scheme.

· 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 respectofmatureddepositaccountsliketermdepositsandPPForothersuch accounts under Govt. run savings schemes.

2.3

Cheques / Bills Returning Charges

LOCAL RETURNING CHARGES

INWARD RETURNING CHARGES:

Amount of Cheque

Charges

DUE TO INSUFFICIENT FUND

Up to Rs. 1lac

Rs. 200/-per instrument

>Rs. 1lactoRs. 1Cr

Rs. 500/- per instrument

AboveRs. 1Crore

Rs. 2000/-for1st cheque andRs. 2500/-per instance from two cheque onwards during the month.

Interest at applicable rate for number of days Bank remained out of funds(i.e. actual interest@ clean OD is to be charged extra)

For other reason: Rs. 100/- per instrument

No charge in case of technical fault/failure

OUTWARD RETURNING CHARGES

Local Cheque (Through Clearing Hose)

UptoRs. 1Lac

Rs. 100/-per instrument.

AboveRs. 1 Lac

Rs. 200/-per instrument

Local Cheques/Bills– for presentation directly at the drawee bank:Rs. 150/-+out of pocket expenses or 50% of collection charges Whichever is higher.

OUTSTATION RETURNING CHARGES

Cheques Up to Rs. 1 Lac

Rs. 100/- per instrument + out of pocket expenses

ChequesaboveRs. 1Lac

Rs. 200/-per instrument +out of pocket expenses

Bills

Rs. 200/-+out of pocket expenses or 50% of collection charges Whichever is higher.

3. COLLECTION

3.1

Collection of Outstation Cheques / Drafts

Particular

Charges

Cheques up to Rs. 10000/-

Rs. 50/- per instrument

>Rs. 10000/- and up to Rs. 1.00

lac

Rs. 100/- per instrument

Above Rs. 1.00 lac

Rs. 200/- per instrument

· The above charges are all inclusive (other than GST and the applicable cess, if any).No additional charges such as courier charges, out of pocket expenses, etc., should be levied from the customers except in cases where specifically mentioned.

· Collection charges in case of outstation cheques should be levied on the Gross amount of the instruments

· Immediate credit of outstation cheques in accounts of individual account holders: Immediate credit of outstation cheques up to Rs. 15,000/- (on request as per above slab plus actual out of pocket expenses

Collection of Local Cheques Through Clearing: No Charges

3.2

Collection of Local / Outstation Bills-Outward & Inward

{Clean / Documentary / Usance &Supply Bills Including Bills Received Under Inland LC (Excluding Drafts, Cheques Etc.)}

Slab

Charges

Up to Rs. 10000/-

Rs. 100/- + Out of Pocket Exp.

Above Rs. 10000/-

Rs. 10/- per thousand or part thereof + Out of Pocket Exp.; Min Rs. 100/ Max.- Rs. 15000/-

CHANGE OF ORIGINAL INSTRUCTIONS (IBC/OBC) i.e. Waiving C Form, delivery Free of Payment, Extending retirement time etc.

Rs. 200/- per reference

Documents received for collection: if required to be delivered FREE OF PAYMENT to drawee OR to be returned back as UNREALISED.

Normal Collection Charges + out of pocket expenses

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.

· Actual postage/courier 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.

Outstation Returning Charges (Inward / Outward Collection)

LOCAL RETURNING CHARGES

INWARD RETURNING CHARGES:

Amount of Cheque

Charges

DUE TO INSUFFICIENT FUND

Up to Rs. 1lac

Rs. 200/-per instrument

>Rs. 1lactoRs. 1Cr

Rs. 500/- per instrument

AboveRs. 1Crore

Rs. 2000/-for1stchequeandRs. 2500/-perinstancefrom2 cheque onwards during the month.

Interest at applicable rate for number of days Bank remained out of funds(i.e. actual interest@ clean OD is to be charged extra)

For other reason: Rs. 100/- per instrument

No charge in case of technical fault/failure

OUTWARD RETURNING CHARGES

Local Cheque (Through Clearing Hose)

UptoRs. 1Lakh

Rs. 100/-per instrument.

3.4

Purchase / Discount of Cheques / Bills

As per IRMD/ RMD guidelines issued from time to time

3.5

Collection of Deposit Receipts on Maturity

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.

In all cases, postage charges and other out of pocket expenses have to be recovered in full.

3.6

Presentation of Usance Bills For Acceptance

Rs. 100/- per bill +out of pocket expenses

3.7

Collection of Interest / Dividend Warrant Directly Received By The Branch

Dividend Warrants, Interest Warrants, refund Orders for amount upto Rs. 1000/- are to be collected at par, even they are drawn on other banks and payable at outstation centres. Out of pocket expenses like postage etc., are to be recovered in full.

4. CASH HANDLING CHARGES- DEPOSIT

4.1

SAVINGS BANK ACCOUNTS

Applicable on Base & Non Base Branch*

Based on Transaction

5 Transaction free per month thereof Rs. 25/- per transaction (Except through alternate channels i.e., BNA, ATM and CDM)

Based on Amount

Up to Rs. 2.00 lac

Free (Per day)

Above Rs. 2.00 lac

Rs. 1/- per thousand, subject to minimum Rs. 25/-

4.2

CURRENT / CASH CREDIT/ OVERDRAFT AND OTHER ACCOUNTS OF CUSTOMERS

Applicable on Base & Non Base Branch*

Based on Amount

Up to Rs. 2.00 lac

Free (Per day)

Above Rs. 2.00 lac

Rs. 1/- per thousand, subject to min. Rs. 50/-, max Rs. 15000/-

· Charges as above shall be levied for deposit of cash per day per account and are exclusive of GST.

· No Cash handling charges on amount deposited in Loan (Excluding CC/OD)/ NPA/suit filed accounts.

Note: *As per RBI master circular dt. 01.07.2015 on Customer Service in Banks, “There should be no discrimination as regard to intersol charges between similar transactions done by customers at home branch and non-home branches.”

5. CASH HANDLING CHARGES- WITHDRAWAL

5.1

Savings Bank Accounts

At Base & Non Base Branch:

Free: Maximum 5 Withdrawals in a month. Thereafter, Rs. 2/- per Rs. 1000/- or part thereof.

5.2

Current / Cash Credit/ Overdraft And Other Accounts Of Customers

At Base & Non Base Branch:

PNB Smart Roamer Current Account -

Free Amount per day as per their respective QAB

Variant

QAB

Silver

Rs. 1 Lakh

Gold

Rs. 2 Lakh

Diamond

Rs. 5 Lakh

Platinum

Rs. 10 Lakh

Thereafter applicable charges will be: Rs. 2/- per Rs.1000/- or part thereof.

All other CA/CC/OD and other Accounts of Customers

Free Amount: Rs. 1 Lakh per day.

Thereafter applicable charges will be: Rs. 2/- per Rs. 1000/- or part thereof.

6. LOCKER/ SAFE CUSTODY

6.1

Locker Rent Annual

Rural/ SU

Urban/ Metro

Small

Rs. 1000/-

Rs. 1500/-

Medium

Rs. 2000/-

Rs. 3000/-

Large

Rs. 2500/-

Rs. 5000/-

Very Large

Rs. 5000/-

Rs. 7500/-

Extra Large

Rs. 10,000/-

Rs. 10,000/-

* A premium of 25% in identified metro branches, subject to review of identified branches in the amalgamated entity.

6.2

Slab Wise Discount On Advanced Locker Rent

Period

Discount % age

1 year + 6 months & above

2%

2 years

5%

3 years

10%

4 years

15%

5 years

20%

Staff

75%

6.3

Security Deposit Required For Lockers

As per Locker Guidelines

6.4

Penalty For Delayed Payment Of Locker Rent

1stQtr.-

10%of annual rent

2ndQtr.-

25%of annual rent

3rdQtr.-

40%of annual rent

1 Year-

50%of annual rent

For more than 1 year

Locker to be broken

6.5

Restriction On Number Of Operations

No. of locker visits per year-15 visits per year free; thereafter Rs. 100/- per visit.

While issuing new locker, the branches are advised to include the following clause in the locker lease register.

I/We agree to payRs. 100/-per operation beyond 15 operations in a financial year”.

6.6

Refund Of Locker Rent

· Minimum Period of Locker facility shall be One Year and in case of Surrender of Locker, Refund of the Locker Rent, if any, shall be paid for the Complete Quarters left as on the Date of Surrender of Locker, for which Locker Rent has already been received in advance.

· In case of surrender of locker before five years, locker charges at normal rates (without concession) shall be charged and rest of the amount shall be refunded.

· In case of surrender, GST will not be refunded.

6.7

Other

One Time Registration Charges at The Time of Leasing Out of Lockers:

Rural/Semi Urban

Rs. 200/-

Urban/Metro

Rs. 500/-

BREAK OPEN CHARGES /DRILL OPENING

Actual + Rs. 1000/- towards incidental charges

DUPLICATE KEYS

6.8

Safe Custody Charges

Authorized Branches Only(Facility to be provided to existing Customers only)

Folio opening Charges

Rs. 150/-

Scrips/Security Papers

Rs. 25/-per scrip p.a. Min Rs. 100/-

Sealed Cover

Rs. 350/- per cover p.a. or part thereo

Sealed Boxes

For Boxes up to size (30cmX30cmX30cm)

Rs. 3000/-per box per annum

For bigger size

Rs. 400/- per cubic feet or part thereof per annum. Min Rs. 3500/-

Bank’s own deposits Receipts

No charges

Duplicate keys of branch/other banks shall be exempted from charges.

For security considerations, these services are not to be provided to general public

7. DOOR STEP BANKING (DSB)

7.1

For Sr. Citizens Above 70 Years and Differently Abled Persons

Particulars

Charges

Non-Financial Txn

Rs. 60/-

Financial Txn

Rs. 100/

7.2

For All SB/CA/CC/OD Customers: Customers, depositing cash of Rs. 2 lacs or more per day for an average of 10 days in a month in areas having a currency chest, have to be mandatorily provided Doorstep Banking Services

· This option is provided to CA/ SB account customers who agree to keep desired float in their account so that the actual Security Agency charges are paid by the Bank.

· Commitment Charges - If customer doesn’t maintain requisite float balance, Commitment Charges will be charged, on monthly basis, @ 4% of the deficit of float balance in customer account, on daily deficit amount OR actual Bank’s Service Charges for DSBs, as given under.

· Maximum cash pickup limit: As per prevalent Banker’s Indemnity Policy (presently, Rs. 2 Crore per cash van)

· Service Charges: Rs. 25/- + Cash Deposit Charges at base branch, as per prevalent IRMD / RMD Circular + Service Provider’s Charges on actual basis.

8. MISCELLANEOUS SERVICES

8.1

Old Record Enquiries

Particulars

Charges

Up to one Year Old

Rs. 100/- per reference Plus out of pocket Expenses

Beyond 1 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.

8.2

Attestation / Certificate

Individuals

Non –Individuals

Rs. 100/-Per occasion

Rs. 150/-Per occasion

Illustrative List of Certificate/ Attestation

1. No Objection Certificate

2. No Dues Certificate

3. Duplicate TDS Certificate:

4. Interest Certificate (One certificate to be issued ‘free of cost’ every year.)

5. Certificate of Balance (Only two certificates are free in a year)

6. Cheque Honoured Certificate

7. Account Maintaining Certificate:

8. Any other certificate relating to deposit account except Solvency certificate charges for which are charges prescribed by IRMD/RMD:

9. Attestation of customer’s signature/ Photograph

10. Address Confirmation

11. Issue of Duplicate Deposit Receipt

Exemption:

No service charges shall be levied for:

1. Issue of No Dues Certificate on adjustment of Loan A/c.

2. Issue of No Objection Certificate to the applicants under various Government sponsored schemes

3. Certificate of Interest paid on Deposits or TDS Certificate for the first time

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

5. Signature attestation for ECS purpose.

8.3

Other

Particulars

Charges

Copy/ image of Cheque/ Draft (Paid/) by the bank Rs. 100/-for attested copy per instrument
Image of Cheques sent for collection (In CTS) Rs. 100/- per instrument
Loss of (Metal) Token Rs. 50/- per Token
Postal Charges (Regd. Post/Speed Post/ Courier Charges) Rs. 75/- or actual expenditure- whichever is higher
Nomination Charges First time: Free there after Rs. 100/- per occasion

8.4


Concessional/ Exempted Categories

AS PER ANNEXURE-I

8.5

Concessions Not Specified Elsewhere

As per discretionary power vested with various sanctioning authority.



EXEMPTION / CONCESSIONS FOR VARIOUS CATEGORY OF CUSTOMERS
1. Defence /Ex-servicemen /Paramilitary Forces /CISF a) At par remittance to family upto Rs. 50,000/- per month. Further, they may be allowed onetime remittance for payment of school/college fees in a year. Postage and out of pocket expenses are to be recovered.
b) At par collection of all cheques to be received from the Govt. in respect of Salary/TA/DA/Arrears/Terminal Dues etc.
c) At par custody of Wills;
d) Standing instructions free of charge within same branch;
e) Normal concessions (instant credit facilities) as applicable to other customers in respect of outstation cheques up to Rs. 15,000/- at a time.
f) No service charges for attestation / certificate.

Note:
-> The accounts opened under specific scheme for Defence personals will enjoy the concessions /freebies available under that product.
-> The next kin of the deceased soldiers will be allowed to collect at par the cheques representing Ex- gratia from Regiments / units, payment of Terminal Credit Balance, Armed Forces Provident Fund and Family Pension.
-> In respect of Defence units, the service of collection of outstation cheque at par shall continue to be extended as hitherto.
2. Freedom fighters and their widows /widowers, widows of Defence Forces /Police forces personnel dying on duty No service charges to be levied on:
-> Remittance -> Issuance of cheques
-> Collection of pension bills/pension cheques
-> Discount of pension bills/pension cheques
-> Attestation / Certificate
3. Senior Citizens -> Senior Citizens shall be allowed two Remittances / Collections aggregating to
Rs. 25,000/-per month free of charges for personal use.
-> No condition of maintenance of minimum balance.
-> The accounts should be in single name of senior citizen or jointly with a close relative where senior citizen is principal account holder.
-> 50% concession in:
• Duplicate passbook and statement.
• Cheque book issuance charges
• Stop payment instructions
• Closure of account
• Issuance of duplicate draft /revalidation of draft / cancellation of drafts/other instruments
-> No charges for cancellation / revocation of stop payment instructions
-> 10% additional concession on advanced locker rent to senior citizen is available subject to the condition of maintaining quarterly average balance of
Rs. 50000 and above shall also continue
-> No service charges for attestation / certificate
4. Pensioners -> No service charges to be levied on Collection / Discount of Pension Cheques / Bills of Pensioners of Central / State Govt. and Armed Forces.
-> Free remittance facility by debit to S.B. Account maintained by pensioners for personal uses.
-> At par collection of cheques of retirement dues.
-> No condition of maintenance of minimum balance.

-> 50% concession in:
• Duplicate passbook and statement.
• Cheque book issuance charges
• Stop payment instructions
• Closure of account

• Issuance of duplicate draft /revalidation of draft / cancellation of drafts/other instruments
-> No charges for cancellation / revocation of stop payment instructions
-> No service charges for pension certificate
-> No service charges for attestation / certificate
5. Students -> Issuance (including duplicate) / Cancellation / Revalidation of Demand Draft (as per Para 2.1 and 2.2) for educational purposes, students will be required to pay only Rs. 20/- per instrument.
-> No condition of maintenance of minimum balance.
-> No service charges for attestation / certificate
6. Government Departments/ Ministries/ Departments of State Governments Including, Railways, Defence etc. -> All non-credit related service charges are exempted subject to maintenance of their account with any of our branches.
7. Remittance / Collection facilities for PM’s / CM’s Relief funds -> Free remittance facilities are permissible for these activities
8. Collection of subsidy under Government Sponsored Schemes -> At par collection of cheques (only cheques issued by Government representing subsidy under Government sponsored Schemes).
9. Teachers Employed in Government Run Schools / Central Schools -> Free discounting of salary bills / cheques up to Rs. 25000/-.
-> At par collection of salary bills.
10. Religious, Welfare Service, Charitable institutions etc. exempted from payment of income-tax under the income tax act -> Collection of instruments favouring religious, welfare service, charitable institutions who are exempted from payment of income-tax under the income tax act be done at par.
-> Issue of DDs /TTs to beneficiaries of these institutions be also done at par.
-> The concession will be subject to production of certificate from Income Tax Department for the exemption from payment of Income Tax. PNB Specific Concessions

-> Presently, following institutions have been specifically granted exemption in this respect:
1) Shri Prayagdham Trust
2) Sant Nirankari Mandal(Regd.)
3) Ved Mata Gayatri Trust, Shanti Kunj , Hardwar
4) Shri Anandpur Trust: Sukhpur, Ashok Nagar, M.P.
5) Lord Jagannath Temple, Puri
6) Tirumala Tirupathi Devasthanam-Sri Venkateshwara Nitya Anandam Trust
7) Helpage India
8) Indraprastha Cancer Society & Research Centre, New Delhi

-> Following institutions shall be extended concessions in service charges as under:
1) TAKHAT SACHKHAND SRI HAZUR ABCHALNAGAR, SAHIB, NANDED: No service charges to be levied for remittance of funds (deposited at all our branches by way of donations) to ‘Takhat’s Savings Fund Account No.0367000100002416 with BO: NANDED (Dist. No. 0367), CO; NAGPUR, FGMO: MUMBAI.

2) DIVYA YOG MANDIR TRUST, KRIPALU BAG ASHRAM – KANKHAL, HARDWAR (Uttaranchal): At Par Remittance Facility” be extended for remitting the funds (to be received from registrants all over the country as Registration Fees) either to their main Savings Fund Account No.0251000100161410 at BO: Kankhal (Dist. No. 0251), Hardwar or to the collection account No.4063002100003863 of M/s. Divya Yog Mandir Trust Account, at BO: Gurukul Kangri, (Dist. No. 4063) Hardwar. All the transactions taking place in respect of both these Accounts will also be exempted from all types of service charges.

3) Patanjali Yog Peeth Trust, Hardwar: At par remittance facility be extended for remitting the funds (to be received from registrants all over the country as Registration Fees) through cheques and cash for credit to M/s Patanjali Yog Peeth Trust account No.4063000100089119 at BO: Gurukul Kangri, (Dist. No. 4063) Hardwar. Further, distribution of entry passes for attending Yog Sadhna Shivirs organised by Patanjali Yog Peeth Trust, Hardwar shall also be done at Par.

4) Sant Nirankari Mandal (Regd.): 100% exemption in respect of cash deposit charges at Base Branch/Non Base-Local/Outstation Branches in their accounts.

5) Remittance in the account of SH. PASHUPATINATH MANDIR SAMARPAN KHATA (01800010422201111) & SH. JANKI MANDIR SAMARPAN KHATA(01300104209999) MAINTAINED AT EVEREST BANK LIMITED THROUGH COLLECTION ACCOUNT (2254002100011923) OF EBL AT BO; IBB, NEW DELHI: Free from india subject to:
-> By deposit of Cash: The amount of donations in cash should be minimum Rs. 500/- and maximum Rs. 49,999/-
-> By Transfer: The amount of donation may be accepted without any limit if the remitter deposits a cheque of his account maintained with our Bank.

UBI Specific Concessions
6) Concession for Ram Krishna Mission and Ram Krishna Math and their connected organization:
a) Collection of instrument – Free of commission
b) Issue of Draft/MT and other remittance facilities – Free of commission
c) Out of pocket expenses e.g., postage, registration, etc. – Free of cost.
d) Issue of cheque leaves (MICR and others) – Free of charge

7) National Foundation for Communal Harmony: Waiver of 100% of the exchange is allowed on the purchase of demand drafts by the donors towards donation of fund to National Foundation for Communal Harmony, an autonomous organisation under the Ministry of Home Affairs, Govt. of India
11. Blind /Disabled /DIVYANGand Institutions set up for their benefit -> Institutions which are exempted from payment of income tax and especially set up for benefits of blinds, disabled and differently abled be allowed:

-> Collection of up-country instruments at par

-> Payment made by these institutions to their own beneficiaries by way of DDs /TTs be allowed free of charges.

-> Further, in the individual accounts of these categories of persons, identified and confirmed by the Branch Manager at the time of opening of accounts, the issue of RTGS/NEFT/IMPS/DDs /TTs be allowed free of charge. Such concessions to be permitted on transactions issued to be debit of the persons’ accounts and not against cash payment.

-> Waiver of collection charges for instruments up to Rs. 50,000/- at par collection.

-> No condition of maintenance of minimum balance for Blind /Disabled / Divyang persons.

-> No service charges for attestation / certificate for Blind /Disabled / Divyang persons
12. Cooperative Banks, Land Development Banks, Service Cooperatives, Districts Rural Development 1) No charges be levied for collection of cheques deposited by DRDA, Farmers Cooperative Societies (bank’s own sponsored), primary Agricultural Societies banking with us.

2) Cooperative banks may be extended remittance facilities under RBI Remittance Facilities Scheme - 1975 provided they agree to abide by the following (restricted to issue DDs /TTs only).

-> The Urban cooperative banks should give an undertaking at their HO level that they will charge their customers same charges as charged by our bank for issue of demand drafts.

-> The concerned bank and the cooperative bank should come to an understanding to share the charges. The concessions of 50% of the usual service charges to cooperative banks might be extended only to those banks which maintained their accounts with our bank. The condition should, however, be that the cooperative bank must not pass on the benefit to their customers. Incumbent In-charge should take an undertaking from the cooperative bank that they will charge normal rates as per the service charges prescribed, to their customers.

Charges as per RBI Remittance Facility Scheme may be levied for transfer of funds from the account of Co-operative Bank at one centre to that at another centre. The charges as per RBI Remittance Facility Scheme are as follows: For remittance up to
Rs. 5000= 0.03% Minimum Rs. 0.25 For remittance over
Rs. 5000 = 0.02% Minimum Rs. 1.50
13. Regional Rural Banks sponsored by our Bank 1) 50% concession shall be available for issue of DDs /TTs and LG /ILC provided counter Guarantee /Security is obtained from the cooperative banks and the benefit of this concession is not passed on to the customers.

2) Remittance facility may also extended free to RRBs sponsored by our Bank on remittance of refinance installments to NABARD as well as remittance of refinance from NABARD.*

3) No service charges may be levied on remittances of funds among HO, branches and Controlling Offices of RRBs.*

4) No Account Maintenance charges be levied in accounts maintained by RRBs with our Bank.*

5) Collection charges are to be shared between our bank and RRBs on a 50-50 basis in the following cases*:-
-> Cheques drawn on Public Sector Banks and tendered to them for collection by RRBs.
-> Instruments tendered by Public Sector banks to RRBs for collection.

*(These instructions (no. 1 to 4) shall remain operative till priority sector and lead bank division issues any fresh instructions in respect of any of these activities regarding Regional Rural Banks)
14. Wholly owned subsidiaries of the Bank PNB Housing Finance Ltd. may be provided free remittance facility from their corporate office to the branches and vice-versa without levying any service charges.
15. Special transactions 1) Fixed Deposits including NRI Accounts:

-> On cheques issued as per Court orders for investments in terms of deposits, service charges may be waived.

-> Transfer of funds on maturity of deposits as well as periodical interest to another branch of our bank to be done at par. Where the funds are to be transferred to another bank normal charges should be levied.

-> Collecting bank need not levy any service charges. The remitting bank to levy the charges as applicable to Remittances. In case of local remittances, the charges as applicable to issue of demand draft be levied.

2) Cheques issued by Govt. of India in respect of grants made from the PM’s Relief Funds to the State Govts., Distt. Magistrates etc.

3) Cheques issued by Govt. of India in respect of grant made from the Prime Minister’s Relief fund to the State Govt, Distt. Magistrates, etc. should be collected without levying any service charges, and, credit be given immediately at par.
16. Staff, Honourably retired Staff and widows / widowers of Honourably retired Staff No service charges (including out of pocket expenses) shall be levied for various transactions. The accounts should be in single name of staff / ex-staff or jointly with a close relative where staff / ex-staff is principal account holder.
Widows / widowers of Honourably retired Staff shall not be remarried and not gainfully employed to avail the benefits.
17. Note Postage and Out of pocket expenses if any, to be recovered wherever not specified
1. Transfer Of Entire Balance In Savings Bank Account To Some Other Bank Remittance Charges + Out of pocket expenses
2. 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)

A.2. - DIGITAL BANKING OPERATIONS RELATED SERVICE CHARGES

S.No.

PARTICULARS

SERVICE CHARGES

1. FUND TRANSFER

1.1

RTGS

Slab

Charges Through

Branch

i-Banking / m-Banking

Rs. 2.00 Lac to Rs. 5.00 Lac

Rs. 20/-

NIL

Above Rs. 5.00 Lac

Rs. 40/-

1.2

NEFT

Slab

Charges Through

Branch

i-Banking / m-Banking

Up to Rs. 10,000/-

Rs. 2/-

NIL

Above Rs. 10,000/- and up to Rs. 1 Lac

Rs. 4/-

Above Rs. 1 Lac and up to Rs. 2 Lac

Rs. 14/-

Above Rs. 2.00 Lac

Rs. 24/-

1.3

IMPS

Slab

Charges Through

Branch

i-Banking / m-Banking

Up to Rs. 1000/-

Rs. 5/-

Nil

Above Rs. 1,000/- to Rs. 10,000/-

Above Rs. 10000/-

1.4

National Automated Clearing House (NACH) Mandate

Activity

Charges

Outward NACH Credit Transactions of Corporate

Rs. 2/- per record subject to a minimum of Rs. 500/-

Outward NACH Debit Transactions of Corporate

Inward NACH Mandate Verification

Rs. 100/- per mandate on acceptance

Outward NACH Mandate of Corporates

Rs. 50/- per mandate on acceptance

Returning charges on return of NACH (Debit) on account of Insufficient Funds

Rs. 100/-

2. SMS ALERTS/ INTERNET BANKING

2.1

SMS

Rs. 15/- (for Saving Bank Account) +Rs. 25/- (Other than Saving Bank Account) per quarter in all operative accounts on quarterly basis excluding Basic Saving Deposit.

2.2

Internet Banking / Mobile Banking

2.2.1

Registration

NIL

2.2.2

Duplicate Password Charges

Rs. 50/- per event in case of offline request received through Branches. However, the incumbent In-charge can waive off the charges looking into the genuineness of the case.

3. Bunch Note Acceptor (BNA) / Cash Deposit Machine (CDM)

3.

Bunch Note Acceptor (BNA) / Cash Deposit Machine (CDM)

Particular

Charges

Card/ Card less cash deposit in SB/ CA/ CC/ OD A/c up to Rs. 2.00 Lac

NIL

Card/ Card less cash deposit in SB A/c above Rs. 2.00 Lac

Rs. 1/- per Rs. 1000/- or part thereof with a min. of Rs. 15/ per transaction

Card/ Card less cash deposit in CA/ CC/ OD above Rs. 2.00 Lac per transaction

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

4. ATM CUM DEBIT CARD CHARGES / PREPAID CARD CHARGES

Variant

Classic

Gold / Platinum / International / MasterCard Standard / Platinum Moment

Rupay Select Debit Card

Prepaid

Card issuance charges

Primary

Nil

Rs. 250/-

Rs. 500/-

Rs. 50/-

Add on Card

Rs. 150/-

N.A.

Annual Maintenance Charges

Rs. 150/-

(From 2nd year onwards as 1st year charges are free)

(Nil for Classic- KCC / Classic-Mudra/ Classic - PMJDY)

For cards having balances above Rs. 500/- on the date of expiry of card, Annual Maintenance fee of Rs. 150/- will be levied & account will be maintained for one additional year, thereof. In case, balance goes below Rs. 500/-, the entire balance will be forfeited and card will be closed.

Card surrender and transfer of unutilized balance

Not Applicable

Rs. 250/-

Hot Listing

Nil

Card Replacement Charges

(Duplicate Issuance)

Rs. 150/-

Duplicate PIN/ Regeneration of PIN through Branch

Rs. 50/- (for request through branch; Exempted for Govt. Sponsored Scheme

Nil (if done through Green Pin at ATMs)

Transaction declined due to insufficient Balance

Rs. 15/- (charges are applicable to staff also.)

For use of Bank’s own ATMs located in Metro and Non-Metro Areas

Free Transactions*

5 Transactions / Month

After Free Transactions*

Rs. 10/- per Transactions

Exempted from above charges:

A. Staff / Ex-staff

B. Cards issued in SBBDA

C. Defense personal and Pensioners

*Refer RBI circular RBI/2019-20/41 DPSS.CO.PD No 377/02.10.002/2019-20 dated 14/08/2019 for clarifications of “Free ATM Transactions”


For use of other Bank’s ATMs located in Metro and Non-Metro Areas

Metro^

Non Metro

Free Financial and Non-financial Transactions*

3 Transactions / Month

5 Transactions / Month

After Free Financial Transactions*

Rs. 20/- per Transactions

After Free Non-financial Transactions*

Rs. 9/- per Transactions

Ø ^viz. Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad

Ø Above charges are applicable to staff also.

*Refer RBI circular RBI/2019-20/41 DPSS.CO.PD No 377/02.10.002/2019-20 dated 14/08/2019 for clarifications of “Free ATM Transactions”

International Transactional Charges (If said facility opted in debit card)

Balance Enquiry at ATMs

Rs. 25/-

ATM cash withdrawal transactions

Sr. No.

Network

Card Type

Transaction Charges

1

PNB<> Druk Bank (Bhutan)

All PNB international Debit cards

At Druk bank ATMs

Cash withdrawal: Rs. 12/- (plus taxes)

Balance Enquiry: Rs. 2/- (plus taxes)

2

PNB <-> RMA Bhutan (Royal Monitory Authority Bhutan)

PNB Rupay International Debit Cards

For all ATMs in Bhutan other than Druk bank ATMs.

Cash withdrawal: Rs. 50/- (plus taxes).

Balance Enquiry: Rs. 10/- (plus taxes).

3

PNB <-> EBL Nepal

All PNB International Debit Cards

At EBL ATMs

Cash withdrawal – Rs. 50/- (flat)

X`Balance Enquiry – Rs. 15/- (flat)

4

PNB <-> All other transactions

All PNB International Debit Cards

Rs. 150/- (flat). Apart from this, customer is charges by the acquiring bank which is not fixed and ranges from country to country. It is typically between 2-4% of transaction amount.

Point of Sale (PoS) / e-Com Transactions

3% of transaction amount

5. CMS PRODUCTS CHARGES

1. Fee Collection Module (FCM)

Rs. 2.00/- per Rs. 1000

Minimum charge per transaction is Rs. 40.00/

2. Integrated Fee portal (IFP)

IBS: Rs. 8.00 – Rs. 20.00
Debit Card: 0.4% - 0.9%
Credit Card: 1% - 1.9%

3. CMS (Cash Management services)

(Charges in paisa /per Rs. 1000)

Annual Turn Over In Rs. Crores

TYPE OF CENTRE

>250

100-250

<100

Metro

6

15

25

Urban

20

30

50

Semi Urban

50

70

90

Rural

70

90

120

Above charges will be for credit arrangements on actual realization basis. Minimum charge per instrument Rs. 2/-

- Returning charges – Rs. 120/- per instrument

- If party desires immediate credit, interest @MCLR+6.5% shall be charged or if party is availing credit facility with @ROI being charged in the account + 1% for the days for which credit has been given in advance.

4. ADM (Auto Debit Mandate)

Mandate Registration/ verification charges : Rs. 40.00/-per mandate(One time charge)
Mandate execution charges on due date : Rs. 5.00/- per transaction
Representation for Returning Charges: Rs. 100.00/- per transaction (as per banks guidelines)

5. E – CMS

Rs. 5.00/- per transaction

Further, above charges are standard charges and charges will be client specific and will be fixed as per the cost benefit analysis of business.

"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. Services Individual Non Individual Pool A/c CM / Sub broker Beneficiary A/c Stock Broker-Collateral (New category- as per NSCCL Circular dated 12.05.2017 for acceptance of Securities as collateral.
1 Account Opening Charges Nil including staff Nil Nil Nil NIL
2 Advance/Deposit (Clients not maintaining SB/CA Account) Deposit Rs. 10000. Staff :- Nil Deposit Rs. 10000. Deposit Rs. 10000. Deposit Rs. 10000. Deposit Rs. 10000.
3 Account Maintainence Charges for Clients Maintaining SB/CA account NSDL:-
a) Registered e-mail Rs 300
b) Not registered e-mail Rs 350
c) Staff :- NIL
d) Sr. Citizen:- 115/-
CDSL :-
a) Registered e-mail Rs 300
b) Not registered e-mail Rs 350
c) Staff :- NIL
d) Sr. Citizen:- 115/-
"NSDL:-
a) Registered e-mail Rs 800
b) Not registered e-mail Rs 900
CDSL :-
a) Registered e-mail Rs 800
b) Not registered e-mail Rs 900 "
1. NSDL Rs 300
2. CDSL Rs 750
1. NSDL Rs 800
2. CDSL Rs 800
1. NSDL Rs 300
2. CDSL Rs 300
4 Account Maintainence Charges for Clients not Maintaining SB/CA account NSDL:- \
a) Registered e-mail Rs 600
b) Not registered e-mail Rs 700
c) Staff :- Nil
d) Sr. Citizen:- 115/-
CDSL :-
a) Registered e-mail Rs 600
b) Not registered e-mail Rs 700
c) Staff:- Nil d) Sr. Citizen:- Rs 115/- "
NSDL:-
a) Registered e-mail Rs 1600
b) Not registered e-mail Rs 1800
CDSL :-
a) Registered e-mail Rs 1600
b) Not registered e-mail Rs 1800 "
1. NSDL Rs 600
2. CDSL Rs 1250
1. NSDL Rs 1300
2. CDSL Rs 1300
1. NSDL Rs 600
2. CDSL Rs 750
5 Speed-e Password Based (Incl AMC)

Rs.500 Staff :- Nil

NIL

Rs 500

NIL

6 Speed-e Token Based (Incl AMC) Rs.2000/- Rs.2000/- Rs.2000/- Rs.2000/- Rs.2000/-
7 Dematerialization (NSDL & CDSL) Rs 2 per certificate with minimum of Rs 35/- plus postage as applicable Rs 2 per certificate with minimum of Rs 35/- plus postage as applicable N.A Rs 2 per certificate with minimum of Rs 35/- plus postage as applicable N.A.
8 Rematerialization (NSDL & CDSL) A fee of Rs. 10 for every hundred securities or part thereof or a flat fee of Rs 10 per certificate (Whichever is higher) including Staff A fee of Rs. 10 for every hundred securities or part thereof or a flat fee of Rs 10 per certificate (Whichever is higher) N.A A fee of Rs. 10 for every hundred securities or part thereof or a flat fee of Rs 10 per certificate (Whichever is higher) N.A
9 Commercial Paper/CDS MIBOR linked paper purchase/sales 0.033% of market value with minimum of Rs 30/- per instruction and Max. of Rs 300/- per instruction. 0.033% of market value with minimum of Rs 30/- per instruction and Max. of Rs 300/- N.A 0.033% of market value with minimum of Rs 30/- per instruction and Max. of Rs 300/- N.A
10 Transaction (Debit-market, off market & inter-Depository)& Redemption of Mutual Fund Units)) 0.03 % Minimum amount Rs 25/- Max Rs 5000. *Online trading/speed-e Rs. 10/- per transaction where AMC is Annual

*Online trading/speed-e Rs. 10/- per transaction where AMC is Annual including Staff
0.03 % Minimum amount Rs 25/- Max Rs 5000. *Online trading/speed-e Rs. 10/- per transaction where AMC is Annual

*Online trading/speed-e Rs. 10/- per transaction where AMC is Annual including Staff
NSDL: Rs.10 CDSL: *Off Market/ Inter Depository Sell- Rs. 10/- *Off Market/Inter-Depository CM Delivery: 0.01 % of value; Min. of Rs 18/- *On Market Buy: 0.01% of value. Min. Rs 5/- ans Max. Rs 12/- Rs 13/ per transaction NSDL only Rs 10/-
11 Pledge Creation (NSDL & CDSL) 0.02% of of value with minimum Rs.100 0.02% of of value with minimum Rs.100 N.A 0.02% of of value with minimum Rs.100 100 +* NSDLs actual charges, if any. Rs 100 will be charged for cancellation of Pledge, as pledge cancellation charges.
12 Pledge Creation confirmation (NSDL & CDSL) 50% of pledge creation charges including staff we propose 50% of pledge creation charges N.A 50% charges of pledge creation 50% charges of pledge creation
13 Pledge Closure (NSDL & CDSL) Rs 50/- including staff Rs 50/- N.A Rs. 50/- Rs 100+ NSDLs actual charges, if any
14 Pledge Closure confirmation (NSDL & CDSL) Rs 50/- including Staff Rs 50/- N.A Rs. 50/- Rs 100+ NSDLs actual charges, if any
15 Pledge Invocation (NSDL & CDSL) Rs 50/- including staff Rs 50/- N.A Rs. 50/- Rs 100+ NSDLs actual charges, if any
16 Failed instruction charges (NSDL & CDSL) Rs 10/- including staff Rs 10/- Rs 10/- Rs 10/- Rs 10/-
17 Adhoc Account Statement Rs.50/- for staff :- Nil Rs. 50/- Rs. 50/- Rs. 50/- Rs. 50/-
18 Freezing/De Freezing Charges Rs 25/- Including Staff Rs 25/- Rs 25/- Rs 25/- Rs 25/-
19 Late Fee Rs 50/- Including staff Rs. 50/- Rs. 50/- Rs. 50/- Rs. 50/-
20 DIS Booklet Postage Charges Rs. 75/- each DIS Booklet including staff Rs. 75/- each DIS Booklet Rs. 75/- per each DIS Booklet Rs. 75/- each DIS Booklet Rs. 75/- each DIS Booklet

Notes:

Notes:

1) AMC will be levied on pro-rata for the first year of opening the account. Annual AMC shall be levied up-front during the month of April.

2) Advance fees of Rs. 10,000/- to be deposited upfront which will be adjusted against the future dues. In case the balance falls below Rs. 2000/- it shall be the responsibility of Client to replenish the upfront amount so as to continue the service.

3) NSDL/CDSL Charges for Receipt-In/Pay-out and penalty charges levied by SEBI for securities lying in pool A/c beyond stipulated period or any other charges will be charged on actual basis.

4) All the reference prices will be based on NSE price (NSDL formula) BSE Price (CDSL formula) and all charges payable monthly.

5) Punjab National Bank reserves right to revise the rate structure from time to time by giving 30 days’ notice.

6) AMC for Basic Services Demat Account (BSDA) applicable as per SEBI guidelines.

7) KRA Charges Rs. 100/- per PAN for modification.

8) Sub Broker/CM Benificiary clients will be charged at the flat rate of Rs. 300/- per month to the account.

9) NSDL/CDSL fixed charges of Rs. 500/- per annum will be charged for each corporate account.

10) Charges for listed Demat services shall be raised at monthly intervals. Demat services not listed above will be charged separately as per Bank`s policy in the line with NSDL & CDSL Depositories.

11) For Pool A/Cs -Intersettelment & CM Pool to pool per debit transaction- 0.01%+NSDL/CDSL charges (Per ISIN). Pool A/c will be charged freeze charge of Rs. 125/-. As per CDSL, additional charge of Rs. 500/- per month will be charged in pool accounts.

12) All the above mentioned charges are exclusive of GST. Additional GST will be applicable as per the prevailing rates.

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