Mewar Aanchalik Gramin Bank, Udaipur, Rajasthan, INDIA Mewar Aanchalik Gramin Bank, Udaipur, Rajasthan, INDIA Mewar Aanchalik Gramin Bank, Udaipur, Rajasthan, INDIA
Mewar Aanchalik Gramin Bank, Udaipur, Rajasthan, INDIA
Mewar Aanchalik Gramin Bank, Udaipur, Rajasthan, INDIA
 
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Mewar Aanchalik Gramin Bank, Udaipur, Rajasthan, INDIA
Details of Existing Service Charges on Advances and other related facilities Vis~a~Vis Proposed for Revision
Annexure-I     
S.N. Particulars w.e.f. 01.04.2009
1. 1. Processing Charges in all A/cs viz Term Loan/Cash Credit/Overdraft/KCC/Bank Guarantee above the sanctioned limits of Rs. 25000/- at the time of Fresh sanction as well as at the time of every renewal/revision/enhancement of credit limits except govt. sponsored Programme/ S.H.G. / loan against TDR/NSC/KVP etc. and Education Loan as per the following schedule.  
  i) On term loan/credit limits except Housing Loans  
 
  1. For Term Loan/C.C. Limits/KCC/Bank Guarantees up  to Rs. 25000/-
NIL
 
  1. For Term Loan/ C.C. Limits above Rs.25000/- & up  to  Rs. 2.00 lacs
Rs. 200/-
 
  1. For Term Loan/ C.C. Limits above Rs.2.00 lacs & up  to  Rs. 20.00 lacs
Rs. 200/- per lac or part thereof
 
  1. For Term Loan/ C.C. Limits above Rs.20.00 lacs & above Rs. 1.00 Crore
Rs. 200/- per lac or part thereof with a Maximum of Rs.15000/-
 
  1. For Term Loan/ C.C. Limits above Rs.1.00 Crore
Actual charges but not less   than Rs. 15000/-
   ii)  Term Loans for Housing Purposes except credit cum  subsidy scheme for rural housing  @ 0.50% on the sanctioned amount with a minimum of Rs. 200/-
  iii) Individual Mortgage Loan Scheme  
  For Term Loans @ 0.50% on the sanctioned amount (subject to maximum of Rs. 20000/-)
  For O.D. Limits @ 0.50% on the sanctioned amount (subject to maximum of Rs. 20000/-)
  Out of pocket expenses (Valuation, Advocate Fee, Documentation, stamps, inspection charges etc.) to be recovered from the borrower on actual basis, before release of facility.  
  iv) Suvidha Loan Business  
  For Term Loans @ 0.50% on the sanctioned amount (subject to maximum of Rs. 20000/-)
  For O.D. Limits @ 0.50% on the sanctioned amount (subject to maximum of Rs. 20000/-)
  Out of pocket expenses (Valuation, Advocate Fee, Documentation, stamps, inspection charges etc.) to be recovered from the borrower on actual basis, before release of facility.
  v) MBKY @ 0.50% on the sanctioned amount (subject to maximum of Rs. 5000/-)
2. Up-front Fee  
  i) Priority Sector Term Loans One time Up-front Fee @ 1.00% on all term loans covered under Priority Sector in addition to Processing Charges except government sponsored programmes/S.H.G./MBKY/Suvidha Loan Business/ Housing Loan/ Education Loan Loan against TDR/N.S.C. /K.V.P. etc. and Education Loan.
   ii) Non Priority Sector Term Loans One time Up-front Fee @ 1.00% on all term loans covered under non-priority sector including personal loan (except schematic finance like Individual Mortgage Loan/Car Loan, two wheeler loans to individuals and institutional loan etc.) in addition to processing charges.
3. Inspection Charges & Godown Charges/ Stock Inspection Charges–
  1. Inspection Charges on Term Loans falling under Priority Sector)
 
                  Size of limit  
  (a) For term loans up to Rs.5000/- NIL
  (b) For term loans above Rs.5000/-       
      and up to Rs.25,000/-
Rs.100/- per borrower per year
  (c) For term loans above Rs.25,000/-      
      and  up to Rs.1.00 lac
Rs.200/- per borrower per year
   d) For term loans above Rs.1.00 lac       
      and   up to Rs.5.00 lac
Rs.500/- per borrower per year
  (e) For term loans above Rs.5.00 lac  
      and  up to Rs.25.00 lac
Rs.1000/- per borrower per year
  (f) For term loans above Rs.25.00 lac Actual charges be levied with minimum of Rs. 2000/-
  B. Godown Inspection/ Security Verification Charges on CC/OD Limits  
  Size of limit  
  (a) Limits up to Rs.25,000/- NIL
  (b) Limits over Rs.25,000/- & up to Rs.1.00 lac Rs.50/- per inspection (for rural branch Rs.25/- per insp)
   (c) Limits over Rs. 1.00 lac & up to  Rs.10.00 lacs Rs.100/- per inspection (for rural branch Rs.40/- per ins)
   (d)  Limits over Rs.10.00 lacs & up to Rs.50.00 lac Rs.200/- per inspection (for rural branch Rs.80/- per insp
    (e)  Limits over Rs. 50 lac Rs.500/- per inspection (for rural branch Rs.150/- per ins
4. Service Charges on loan under Car Loan Scheme and Two Wheeler Loan Scheme to       individuals
  1. Service charges @ 1% of sanctioned limit will be recovered from the borrower, out of which 50% at the time of accepting the proposal and rest on disbursement of loan.
  2. Service Charges/penalty of Rs.500/- per bouncing of cheque per month or part thereof till depositing the amount of bounced cheque.
5. Issuance of Mewar Bank Kisan Credit Card (MBKCC)  
  1. At the time of issuing first card and  every renewal (at present after 5 yrs) Rs. 100/- per Card
  2. Issue of Duplicate Card/Pass Book Card/Pass Book Rs. 100/- per Card / Pass Book
6. Issuance of Mewar Bank Swarojgar Credit Card (MBSCC)  
  1. At the time of issuing first card and  every renewal (at present after 5 yrs) Rs. 100/- per Card
  2. Issue of Duplicate Card/Pass Book Card/Pass Book Rs.100/ - per Card/ Pass Book
7. Issuance of Mewar Bank General Credit Card (MBGCC)  
  1. At the time of issuing first card and  every renewal (at present after 5 yrs) Rs. 100/- per Card
  2. Issue of Duplicate Card/Pass Book Card/Pass Book Rs.100/ - per Card/ Pass Book
8. Conversion charges on A/C of reduction in rate of interest in existing regular Term Loan A/C on request of borrower  
  A. In existing regular term loan accounts  except Housing Loan A/Cs Conversion charges @ 50% of difference of interest rate subject to minimum of 1% of outstanding dues
  B. In Housing Loan to Individuals and commercial loan to staff members including repairs and renovations Conversion charges @ 50% of difference of interest rate without any minimum charges
9. Service Charge on Gold Loan Scheme – Service Charge @ 1.00% of sanction limit at the time of drawl of loan with a minimum of Rs.100/-.
10. Foreclosure Charges in Housing Loan Scheme, Car/Two Wheeler loan, Personal Loan, Mortgage Loan Fore closure Charges @ 3.00% of prepaid loan amount (on advance collection + outstanding loan amount) irrespective of the date of sanction for such loan account.
11. Issuance of No Dues certificate 
(Except No Dues certificate issued under government Sponsored programmes)
Rs. 50/- be levied for each certificate. 
12. Ledger Folio Charges in CC/OD Limit A/cs: Following charges be recovered on half yearly basis:
  1. Rs.80/- per ledger folio at Urban & Semi Urban branches.
   
  1. Rs.60/- per ledger folio at rural branches.
    Note: - 40 entries or part thereof shall be treated as one ledger folio for accounts being maintained on computers
13. Purchase / Discounting of Bills/ Cheques  
  A. Bills: Rs. 1/- per cent (Min. Rs. 15/-) + Overdue interest from 6th day +  Other Bank’s charges, if any
  B. Cheques: - 75 Paisa per cent (Min. Rs. 10/-) + Other Bank’s charges, if any
14. Commission on Inland Letter of Guarantee: -  
  i) Performance Guarantee: -         Rs. 200/- + 0.5% per quarter with a minimum of 1%
  ii) Other Guarantees: -                   Rs. 200/- + 0.75% per quarter with a minimum of 1.5%
  iii) In case of guarantees of over one year the variable part of the commission should be recovered by reckoning the period of guarantee beyond one year in steps of quarters and part thereof and the schedule of commission would be as under: -  
  i) Performance Guarantee: -         Rs. 200/- + 0.5% per quarter or part thereof with                        a minimum of 2.00%
  ii) Other Guarantees: Rs. 200/- + 0.75% per quarter with  a minimum of 3.00%
     Schedule of RTGS Charges & Timings
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Mewar Aanchalik Gramin Bank, Udaipur, Rajasthan, INDIA