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  1. Home
  2. Service Charges

Service Charges

news and event

  • RFP REF NO. WBSCB/TENDER/KASHINAGAR/Interior/1.1 dated 24/02/2022 for SELECTION of VENDOR for COMPOSITE WORK OF INTERIOR FURNISHING ALONG WITH CIVIL WORK, ELECTRICAL WORK, CCTV and HVAC WORK for our KASHINAGAR BRANCH
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  • CORRIGENDUM-3 : Postponement of RFP No. WBSCB/POS/1.1 dated 29.09.2021 for Procurement of Point-of-Sale Devices
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  • RFP REF NO. WBSCB/TENDER/Calendar/1.1 dated 10 /11/2021 for SELECTION of VENDOR for PRINTING & SUPPLY OF CALENDAR AND DIARIES FOR THE YEAR 2022
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  • CORRIGENDUM-2: Extension of Last Date for Bid Submission of the RFP No. WBSCB/POS/1.1 dated 29.09.2021
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Service Charges

REVISED SCHEDULE OF SERVICE CHARGE OF THE WEST BENGAL STATE CO-OPERATIVE

BANK LTD. WITH EFFECT FROM 02/04/2018

A: DEPOSIT AND OTHER LIABILITY RELATED SERVICES

Sl. No. Type of Service Revised Service Charges w.e.f 2nd April, 2018 (Including Goods & GST).
1 2 3
1. Issuance of Managers’ cheque/pay order Upto Rs.1000/- Rs. 21/- Inclusive of GST
Above Rs.1000/- to Rs.5000/- Rs. 26/- Inclusive of GST
Above Rs.5000/- to Rs.10000/- Rs. 52/- Inclusive of GST
Above Rs. 10000/- Rs. 7/- per thousand or part thereof subject to minimum Rs. 62/- & maximum Rs. 10,261/- . No charges for payment against Term Deposit Receipt/Loan Disbursement/Payment on behalf of Bank.
2. Issue of Bankers’ cheque/DD on KMB Upto Rs.1000/- Rs. 21/- Inclusive of GST
Above Rs.1000/- to Rs.3000/- Rs. 26/- Inclusive of GST
Above Rs.3000/- to Rs.10000/- Rs. 52/- Inclusive of GST
Above Rs. 10000/- Rs. 7/-(Incl. GST) per thousand or part thereof subject to minimum Rs. 67/- (Incl. GST) & maximum Rs. 10,261/- (Incl.GST). No charges for payment against Term Deposit Receipt/Loan Disbursement/Payment on behalf of Bank.
3. Issue of duplicate managers’ cheque/pay order/draft /Bankers’ cheque/DD on KMB Any amount Rs.124/ Incl of GST
4. Issue of Duplicate Bankers’ cheque/Draft on other Bank Any amount Rs.124/- (Incl. of GST)
5. Cancellation/Revalidation of Drafts/Manager’s cheque Rs.103/(Incl. of ST)
6. Collection of outstation DD/Cheque DW etc. (plus postage + out of pocket expense) Up to Rs. 5000/- Rs.31/-(Incl. GST) plus postage + out of pocket exp.
Above Rs. 5000/- to Rs. 10000/- Rs.62/-(Incl. GST) plus postage + out of pocket exp.
Above Rs. 10000/- to Rs.10.00 lac Rs. 6/- per thousand or part thereof st. minimum Rs.52/-
Above Rs. 10.00 lac Rs.5.00 per thousand or part thereof st. minimum Rs.52/- and Maximum Rs.10,261/-.
7. Collection of Bills Up to Rs.1000/- Rs. 83/-
Above Rs.1000/- up to Rs.5000/- Rs. 103/-
Above Rs.5000/- or part thereof Rs. 11/- per thousand
Subject to minimum Rs. 88/-(Incl. GST) and maximum Rs. 10261/-(Incl. GST) plus actual postage and courier per all cases.
8. Handling charges for cheque/bills returned unpaid local charges/bills Up to Rs/1.00 lac Rs.103/ Incl of GST
Above Rs.1.00 lac Rs.206/ Incl of GST
9. Handling charges for outstation cheque/bills returned upto Rs.1.00 lac Rs.129/-(Incl. GST)
Above Rs.1.00 lac Rs.257/-(Incl. GST)
10. Issue of duplicate pass book/statement of A/C / term deposit receipt copy Rs.52/-(incl. GST) for 1st page plus Rs.26/- (Incl. GST) per additional page
11. Stop payment instruction Rs. 72/-(Incl. GST) per occasion (applicable up to 3 cheques). For more than 3 cheques additional charges of Rs. 31/-(Incl. GST) per cheque. i.e for four cheques charges will be Rs.72/- for 1st 3cheques + Rs.31/- for 4th cheque. So total charges for cheques will be Rs.103/-.
12. Additional/deletion of name Rs. 103/-(Incl. GST) per case except in case of deletion of name of deceased depositor. And except in case of also addition/deletion of name in Society and Association Account.
13. Attestation/verification of customer’s signature/issue of no dues certificate/certificate of maintenance of A/c with Bank/issue of balance certificate Rs. 103/-(Incl. GST) for every Individual
14. Changes in A/c operational instruction Rs.103/-(Incl. GST) per case except in case of society and association account.
15. Loss of Token Rs. 206/- per token (separate token stock register will have to be maintained).
16. Postage and telecommunication Actual charges incurred.
17. Tariff Actual charges incurred.
18. Closure of CD/SB Account within one year. CD Account 308/-(Incl. GST)
SB A/c both cheque and without cheque facility 103/-(Incl. GST)
Closure of R/D within 3 months from the date of opening RD A/c. Rs. 103/- (Incl. GST)
In case of deceased. No charge for closure in any A/c.
19. Fall in minimum balance For SB Rs.103/- (Incl. of GST)
For SOAPN Account Rs. 308/- per occasion.
For CD Rs.308/-
20. Minimum balance in SB A/c. Rs. 750/- with cheque facility Rs. 500/- without cheque facility. (Exemption in case of in service staff account).
21. Minimum balance in CD A/c. Rs.3000/-
22. Incidental charges in CD Account (half yearly). Rs.154/-
23. For Message charge from Bank’s Fax Machine relating to customers’ A/c. Rs. 47/-
24. Courier Charges relating to customers’ Account Actual charges.
25. Return of local clearing cheque for all reasons attributable to the drawer & dishonour of Debit/ Credit ECS Rs. 206/-Per Instrument incl. GST. If returned more than three times within one month on same account additional charges of Rs. 206/- per instrument (charges will be recovered from the drawer
26. Withdrawals in SB A/c both cheque and without cheque facility exceeding maximum stipulated as per Bank’s SB A/c. rules NOT PERMITTED IN ANY SITUATION
27. MICR cheque leaf charge for SB/CD/CC/OD Account For SB Account Rs. 4/- per cheque leaf provided that one cheque books of 25 leaves each will be issued free in a financial year.For CD/CC/OD Account Rs. 3/- per cheque leaf provided that one cheque books of 25 leaves each will be issued free in a financial year.
28. Non-MICR cheque leaf charges for SB/CC/OD Account NIL
29. Fund Transfer NIL
30. Standing Instruction Rs.52/- for first SI. as one time fees and Rs.250/- for failed. In case of RD, no charges will be applicable. (Note: Rs. 10/- per customer per month from crediting/debiting as per list submitted by the Society/LICI/any such type of institution.)
31. Sub-membership for clearing service rendered Rs. 6.00 per instrument both for outward & inward clearing.
32. Allowing account operation through Power of Attorney/Mandat Rs.565/- for Individual and Rs.1130/- for Non-Individual.
33. Charges for supply copies of documents (relating to old record) 3 months to 12 months old Rs. 103/- per item
Rs.206/- (INCL. OF GST) for 2yr and beyond that Rs.154/- (incl. GST) per year.
34. Legal opinion charge in case of complicated claim on death/insolvency/insanity of depositor & other matter of banking operations requiring legal opinion as may be necessary by the Bank. Actual charge incurred by the Bank to be realized from the applicant/claimant/depositor.
35. For Cash Deposit / Withdrawn to / from Non-home Branches except loan repayment. Upto Rs.25,000.00 nil. Above Rs.25,000.00 Rs.2 per thousand. Subject to minimum Rs.26/- Incl. GST and maximum Rs.257/- Incl. GST.
36. Cash handling charges except Loan Disbursement or Repayment NOT REQUIRED.
37. SMS Alert charges per quarter Rs.16/- (incl. GST).
38. Charges towards CSGL A/c Holder Charges towards Trading in Securities Rs.590 /- (incl. GST)
Regular Servicing Rs.118 /- (incl. GST)

B: LOANS & ADVANCE RELATED SERVICES

Sl. No. Type of Service Revision of charges with effect from 1st June, 2017
(Including GST)
1 2 3
1. Cheque/bill purchase For local upto Rs.1000/- Rs.30/-
Above Rs.1000/- to Rs.2500/- Rs.40-
Above Rs.2500/- to Rs.5000/- Rs.60
Above Rs.5000/- to Rs.10000/- Rs.375
Above Rs.10000/- Rs.5.50 p.t.
Minimum-Rs.75
Maximum-Rs.7500
2. Inspection charge for fresh/existing loans and advances except farm/farm allied/BSKP/Weavers Loan/Consortium Advance/Staff Loan/Demand Loan/MT ECCS i) Upto Rs.2.00 lac Nil
ii) Above Rs.2.00 lac upto Rs.10.00 lac Rs.575
iii) Above Rs.10.00 lac upto Rs.25.00 lac Rs.920
iii) Above Rs.25.00 lac upto Rs.50.00 lac Rs. 1725
iv) Above Rs.50.00 lac upto Rs.1.00 crore Rs.4025
v) Above Rs. 1.00 crore Rs.4600
In case actual inspection charge is more than the above limits, the actual charges will be realized.
3. Annual supervision charge/renewal charge for CC/CD/Term Loan except Farm/Farm Allied/BSKP/Weavers Loan/Consortium Advance/Staff Loan/Demand Loan/MT ECCS Loan Upto Rs.50,000/- Nil
Above Rs.50000/- upto Rs.1.00 lac Rs.230/-
Above Rs.1.00 lac upto Rs.10.00 lac aboveRs. 1 lac-Rs5 lac-Rs575 - above Rs5 lac toRs 10lac-Rs775
Above Rs.10.00 lac upto Rs.50.00 lac aboveRs. 10 lac-25 lac-Rs2070 above-Rs25 lac toRs 50lac-3450
Above Rs.50.00 lac Rs.100.00 lac Rs.4600
Above Rs.100.00 lac Rs.500.00 lac Rs.6900
Above Rs.500.00 lac Rs.1000.00 lac Rs.9200
Above Rs.1000.00 lac Rs.2000.00 lac Rs.10350
Above Rs.2000.00 lac Rs.11000
4. Loan proposal processing fees except farm & farm allied/BSKP/Weavers/ECCS/Staff Loan/Demand Loan/other priority sector/agricultural sector/MT ECCS Working capital limit upto Rs.25000/-

 

Nil
Above Rs.25000/- upto Rs.2.00 lac

 

Rs.500/-
Above Rs.2.00 lac

 

Rs. 350 per lac subject to maximum limit of 50000/-( this may be applicable for Term Loan also)

 

This charge is applicable only if the rate of processing fee/exemption of processing is not mentioned on the sanctioned letter.

 

5. Home loan processing fee 0.575% Minimum-Rs.1500
Maximum Rs. 10000
6. Commitment charge Above Rs10.00 crores and mentioned in LoS
7. Operation charge for pledge go down Rs.65/- for each block of 10 transactions (Beyond 50 transactions) or part thereof.
8. Incidental charges in CC/OD account (half yearly)

 

Computer branch Rs.60/- per compute sheet or part thereof non-computer branch Rs.50/- per ledger folio or part thereof. Subject to free folio given below for CC/OD A/c.

 

Average debit balance

 

No. of free folio

 

i) Upto Rs.25000/-

 

Nil

 

ii) Above Rs.25000/- upto Rs.50000/-

 

3

 

iii) Above Rs.50000/- to Rs.1.00 lac

 

5

 

iv) Above Rs.1.00 lac

 

Full Free
40 entries in computerized branch will be treated as one folio.
9. Issue of Bank Guarantee Rs.115/- + 0.30% per quarter in case 100% margin Minmum for two Quarter in other cases 0.75%per plus Rs115.
10. Letter of credit At 0.30% and amendment Charge-Rs. 225 flat.
11. Charges for equitable mortgage upto-25000 Nil
above25000-50000 Rs.100
above 50000-200000 Rs.500
above200000-50000 Rs.1000
above 50000-2000000 Rs.1200
above2000000-10000000 Rs.2500
above Rs.10000000- Rs. 5000000 Rs.3000
above 5 crores Rs.10000
12. Legal/expert consultancy opinion charge in case of preparing deeds/documents/agreements etc. for big project & other loan Actual charges incurred by the Bank to be realized from the applicant/claimant/depositor.
13. Personal Loan 1.15%
14. Consumer Durable Loan 1.15%
15. Non- Commercial Car Loan 1.15%
16. CIBIL Charges Consumer CIR Rs.33
Commercial CIR in case of Company /Partnership/ Others. Rs.700
17. Documentation Charges upto-25000 Nil
above25000-50000 Rs.100
above 50000-200000 Rs.500
above200000-50000 Rs.1000
above 50000-2000000 Rs.1200
above2000000-10000000 Rs.2500
above Rs.10000000- Rs. 5000000 Rs.3000
above 5 crores Rs.10000
18. Bankers Solvancy certificate Upto Rs.1.00 lac Rs.750/-
> Rs.1.00 lac upto Rs.10.00 lac Rs.1500/-
> Rs.10.00 lac to Rs.25.00 lac Rs.2500/-
> Rs.25.00 lac upto Rs.50.00 lac Rs.5000/-
> Rs.50.00 lac Rs.10000/-
19. No dues certificate PrioritySector Rs.10/- per certificate
NonPriority sector Rs.15/- per certificate
20. Loan against own Deposit NSC/ KVP/ LIP No charge except Actual charge required for creating with post office and charges for assignment and reassignment

C. SERVICE CHARGE FOR AVAILING ATM FACILITY

Name of the items Revised Service Charges for using ATM Card per annum
(including GST)
Annual Fee from 2nd. Year ( Waived for the 1st. Year) Rs. 118/-
Card Replacement Charge(With PIN) Rs. 178/-
For Duplicate PIN Rs. 60/-
Transaction charge for using bank’s own ATM NIL
Transaction Charges for using other Bank’s own ATM
(Beyond 5 transaction)
[PIN Change is not a transaction)
Rs. 21/- (Financial) including GST.
Rs. 11/-(Non-financial) including GST.

D. RTGS , NEFT AND NACH RELATED SERVICES

1(i) NEFT(TransactionSlab) Charges Revised For Current Account Holder
  Upto Rs. 10,000/- ₹4/- ( INCL. OF GST) NIL
  Above Rs. 10,000/- to Rs. 1,00,000/- ₹7/- ( INCL. OF GST) NIL
  Above Rs. 1,00,000/- to below Rs. 2,00,000/- ₹18/- ( INCL. OF GST) NIL
1(ii) RTGS (TransactionSlab)    
  Rs. 2,00,000/- to Rs. 5,00,000/- ₹30/- ( INCL. OF GST) NIL
  Above Rs. 5,00,000/- ₹59/- ( INCL. OF GST) NIL
  National Automated Clearing House (NACH)
MandateCharges
₹62/- (Incl. GST)  
₹293/- (Incl. GST)  

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