Service Charges and fees
| Name of the bank- Punjab
National Bank |
Charges (Rs.) |
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| Savings Bank A/c -
No frills A/c |
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| Minimum
Balance |
Nil,
However initial deposit of Rs.25/- required |
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| Charges
for non maintenance thereof |
Nil
|
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| Saving Bank Accounts
with Cheque facility |
|
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| Minimum
Balance |
Rs.500/-
in Rural Branches Rs.1000/-
in other Branches (Self
help Group Rs.100/- only irrespective of location of branch)However,
Pensioners, Students, and Salaried accounts are exempted. |
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| Charges
for non maintenance thereof |
CBS
branches
(Quarterly): Rs.80/- in Rural branches and Rs.150/ in other branches. Non
CBS branches (Monthly): Rs.50/- And
Rs.100/- for High value branches |
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| Saving Bank Accounts
without Cheque facility |
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| Minimum
Balance |
Rs.500/-
in Rural Branches Rs.1000/-
in other Branches (Self
help Group Rs.100/- only irrespective of location of branch) However,
Pensioners, Students, and Salaried accounts are exempted. |
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| Charges
for non maintenance thereof |
CBS
branches
(Quarterly): Rs.80/- in Rural branches and Rs.150/ in other branches. Non
CBS branches (Monthly): Rs.50/- and
Rs.100/- for High value branches |
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| Other savings bank
account facilities |
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| Issue
of Duplicate Statement |
Rs.2.00
per entry/record, Min.Rs.100/-
Max. Rs.1000/- |
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| Statement
of account charges: Pass book shall be updated free of cost |
Rs.30/-
for additional statement |
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| Issue
of duplicate pass book |
Rs.50/-
per passbook with latest balance. |
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| Issue
of cheque leaves (MICR as well as Non MICR) |
Rs.2.50
per cheque leaf |
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| Account
Maintenance charges for Saving Fund Accounts: |
100
free of charge entries permissible on half yearly basis, thereafter
Re. 1/- per record/ entry. |
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| Free
cheque leaves to Saving bank account customer (Except Premium Saving
Account) |
20
cheques leave free per half year. |
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| Premium (Saving Fund
) Customers: |
Free
of charge cheque book facility without any limit of usage. |
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| Mode
of calculation of minimum balance |
CBS
branches-
Quarterly basis Non-CBS
branches. – Daily
basis. |
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| Charges
for recording Reconstitution of account: |
Rs.150/-
per occasion (Except for change due to death of the existing signatory
and adding the name of spouse in pension accounts.)
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| Standing Instructions: |
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| Registration: |
Rs.50/-
(one time charge) |
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| Execution: |
Rs.35/-
+ Remittance charges + out of pocket expenses |
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| Non
Execution Charges (due to insufficient funds) |
Rs.50/-
per transaction |
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| Account Maintenance
charges for Current, Cash Credit and CA-OD (erstwhile ledger folio charges, on
half yearly basis) beyond free of charge permissible entries mentioned
as under: |
Rs.2/-
per entry / record, minimum Rs.100/-, maximum Rs.1000/- |
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| Free
entry /Record, allowed in current accounts including CC and CA-OD |
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| Average
credit balance/QAB: Upto Rs.25000/- |
No free of cost entries allowed |
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| Above
Rs.25000/- upto Rs.50000/- |
100 entries per half year |
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| Above
Rs. 50000/ upto Rs.1 lac |
150 entries per half year |
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| Above
Rs.1 Lac upto Rs.2 lac |
250 entries per half year |
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| Above
Rs.2 lac to less than Rs.5 lac |
500 entries per half year |
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| Rs.
5 lac and above |
Unlimited data entries free of cost |
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| Free
cheque leaves to Premium ( Current
Account) customers: |
500
Free Cheque leaves in a calendar year. |
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| Minimum Balance / Minimum
Qly. Average Balance Requirements for Current Accounts: |
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| Area |
Non
CBS Branches Minimum Monthly Balance (Rs.) |
CBS Branches Minimum Qly. Average Balance
(Rs.) |
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| Rural |
1000 |
1000 |
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| Semi
Urban |
3000 |
3000 |
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| Urban |
3000 |
5000 |
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| Metropolitan |
5000 |
5000 |
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| Charges for non maintenance
of minimum balance in current accounts |
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| Current Accounts- Individual Current Accounts- Other
than individual
At CBS branches |
Rs.150/- Rs.500/-(at High value branches)
and Rs.250/- at other branches.
Rs.400/- per Quarter
at Rural & Semi Urban Rs.700/- per Quarter
at Urban & Metropolitan |
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| Note: If the balance falls
below the minimum during any day during the month, at non CBS branches,
penalty charges will be levied for full month. Exemption: Pension accounts
and Salary accounts. |
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| Statement of Account
Charges |
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| Current Account: One statement to be
provided free in a month |
Rs.60/- for additional statement. |
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| Premium Saving Account
Customers: Customers who have maintained Minimum Balance of Rs.25000/-
throughout the previous month. For CBS branches Minimum Quarterly Average
Balance shall be Rs.25000/- Premium Current Account
Customers: Customers who have maintained Minimum Balance of Rs.100000/-
throughout the previous month. For CBS branches Minimum Quarterly Average
Balance shall be Rs.100000/- |
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| PREMIUM SF CUSTOMERS AT CBS BRANCHES: In order to encourage customers for
keeping more QAB in their Savings Account, concessions mentioned hereinafter
shall be available to the customers during the current quarter provided
they keep the stipulated quarterly average balance of RS. 25,000/- AND ABOVE IN THE PRECEDING/LAST QUARTER.
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Premium CA Customers: In order to offer incentives for keeping
more QAB in their Current Account, the following attractive concessions
shall be available to the customers during the current quarter provided
they keep the stipulated quarterly average balance of (i) Rs. 1 lac
and above, (ii) Rs. 10 lac and above in the last quarter.
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| Remittance Facilities
through own bank * |
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| DD
- Issue Up
to Rs.10000/- Above
Rs.10000/-
For
Students Drafts upto Rs.1000/-(in
respect of education/ examination fee only)
|
Rs.40/- Rs.3/- per Rs.1000/-or part thereof Min.Rs.40/
and Max.Rs.12000/- Rs.20/-
(above Rs.1000/- normal rate will apply) |
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| DD-Cancellation |
Rs.100/- |
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| DD-Duplicate Up to Rs.1 lakh
Above
Rs.1 lakh
DD-Revalidation |
Rs.100/-
plus actual out of pocket expenses incurred. Minimum
50% commission chargeable on the date of request or Rs.125/- which ever
is higher. Rs.100/- |
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| For Students: if demand draft(s)
were got issued for educational purposes, students shall not be required
to pay these charges. They will be required to pay only Rs.10/- for
demand drafts revalidation or cancellation, cancellation of lost Gift
cheque and cancellation of lost instrument(s). Students
are exempted from additional charges for issuance of drafts (against
deposit of cash also) for educational purposes. |
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| PO - Issue * Up to Rs.10000/- Above
Rs.10000/- |
Rs.40/- Rs.3/-
per Rs.1000/-or part thereof Min.Rs.40/ and Max.Rs.12000/- |
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| PO-cancellation |
Rs.100/- |
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| PO-Duplicate |
Rs.100/- |
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| PO-Revalidation |
Rs.100/- |
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| Cancellation
of Lost instrument(s) |
Rs.100/-
per instrument. |
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| TT – Issue * |
Rs.2.25
per Rs.1000/ or part thereof subject to Minimum Rs.225/- and Maximum
Rs.12000/- plus actual transmission charges. |
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| TT
- Cancellation |
No
charges |
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| TT-Duplicate |
No
charges |
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| TT-Revalidation |
No
charges |
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| Issuance
of Gift Cheques |
No
Charges |
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| Cancellation
of Lost Gift Cheque(s) |
Rs.50/-
per Gift cheque(s) requested for cancellation |
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| EFT Charges- inward |
No
charges prescribed |
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| EFT Charges- outward
* (Outstation) Up to Rs.1000/- Above Rs.1000/- to Rs.5000/- Above Rs.5000/- to Rs.10000/- Above Rs.10000/- to Rs.1 lac Above Rs.1 lakh (Local) Up to Rs.1000/- Above Rs.1000/- to Rs.5000/- Above Rs.5000/- to Rs.10000/- Above Rs.10000/- |
Rs.10/- Rs.20/- Rs.25/- Rs.2.00
per Rs.1000/- or part thereof. Rs.1.50
per Rs.1000/- or part thereof minimum Rs.200/-
Rs.10/- Rs.20/- Rs.25/- Rs.1.00
per Rs.1000/- or part thereof Minimum Rs.25/- |
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| In addition to above charges, Rs.10/-
are to be recovered in case of Inter Bank Transfer i.e. where these
are payable to other Bank and RBI. Further, EFT charges will be subject
to a minimum of Rs.30/-. |
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| Electronic Clearing
Services: Credit Clearing |
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| 1.
Sponsor Bank: Minimum charges
Rs.2750/- + Charges payable to RBI and Destination Bank, if any. |
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| a)
upto 10000 records |
@
Rs.3/- per record + charges payable to RBI and Destination Bank, if
any. |
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| b)
Above 10000 to 100000 records |
@
Rs.2/- per record (With a minimum of Rs.30000/-)+ charges payable to
RBI and Destination Bank, if any. |
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| c)
Above 100000 records |
@
Rs.1/- per record (With a minimum of Rs.200000/-)+ charges payable to
RBI and Destination Bank, if any. |
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| 2.
Charges Payable to Destination
Bank and /or RBI: On actual basis, i.e. as waived/ prescribed by
RBI from time to time. |
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| Electronic Clearing
Services: Debit Clearing |
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| ECS:
Debit Clearing |
Re.1/-
per transaction charges Minimum charges Rs.2750/- + Charges payable
to RBI and Destination Bank, if any. |
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| Returning
Charges on account of insufficient funds |
Re.40/- per record (w.e.f. 01.02.2007) | |||||||||||||||||||||||||||
| Full
waiver in respect of Income Tax Refund Orders: |
No
ECS charges be levied in respect of Income Tax Refund Orders, as per
RBI/ Govt. decision. |
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| RTGS-Outward * |
1)
0.10% per transaction, subject to a minimum of Rs.150/- and Maximum
of Rs.2000/- plus out of pocket expenses payable to RBI, if any. 2)
On upfront payment of Rs.25000/- for
usage of the RTGS facility for the next 12 months, rebate of 50% would
be admissible to the customers, subject to a minimum of Rs.150/- per
transaction |
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| RTGS: Inter Bank for
Clearing purposes only |
Rs.1.50
per thousand with Minimum Rs.500/- and Maximum Rs.1500/- |
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| RTGS-Inward |
Rs.20/
per transaction plus RBI charges, if any. |
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| NEFT/ SFMS* For customer related
transactions (other than Banks) |
Re.1/-
per thousand with a minimum of Rs.25/-per transaction and maximum of
Rs.2000/-+out of pocket expenses and RBI charges, if any. |
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| Cash Management Services |
Charges
in Paisa per Rs.1000/- |
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|
Type
of Centre |
(
Annual turnover in Rupees crores) >250 100-250 <100 |
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| Metro |
06 15 25 |
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| Non-Metro
Locations |
20 30 50 |
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| Remote
Locations |
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