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Service Charges

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

BANK LTD. WITH EFFECT FROM 01-08-2025

A: DEPOSIT AND OTHER LIABILITY RELATED SERVICES

Sl. No. Type of Service Current Service Charge on and from 01-08-2025 (GST will be applicable additionally)
1 2 3
1. Issuance of Manager's cheque/ pay order Minimum-Rs. 25/- Rs. 5/- per Thousand plus GST
2. Issue of duplicate managers' cheque Rs. 200/- Plus GST
3. Cancellation/ Revalidation of Drafts/ Manager's cheque Rs. 200/- Plus GST
4. Issue of duplicate pass book/ statement of A/C Rs. 50/- plus GST (For each 10 pages).
5. Issue of duplicate Term deposit receipt copy Rs. 100/- plus GST (For each receipt)
6. Stop payment instruction Rs. 35/- per Instruments Plus GST
7. Additional / Deletion of name Rs. 100/- plus GST per case except in case of deletion of name of deceased depositor. And except in case of addition / deletion of name in Society and Association Account.
8. Attestation / verification of customer's signature / issue of no dues certificate / certificate of maintenance of A/c with Bank / issue of balance certificate Rs. 200/- plus GST for every Individual
9. Changes in A/c operational instruction Rs. 200/- plus GST per case except in case of society and association account.
10. Postage, Courier & Tariff Actual Cost Basis
11. Closure of CD / SB Account within one year Rs. 1000/-plus GST
12. Closure of R/D within 3 months from the date of opening Rs. 500/-plus GST
13. Minimum Average Monthly balance for Savings without Cheque facility account & Balance fall Charges Rs. 500/- & Balance fall charges Rs. 200/- plus GST, Exemption in case of Minors below age of 18, BSBD & Salary Savings Accounts
14. Minimum Average Monthly balance for Savings with Cheque facility account & Balance fall Charges Rs. 750/- & Balance fall charges Rs. 200/- plus GST, Exemption in case of Minors below age of 18, BSBD & Salary Savings Accounts
15. Minimum Average Monthly balance for Current and Balance fall Charges No Minimum Balance
16. SOPAN Account Rs. 5000 /- & Balance fall Charges Rs. 500 /- plus GST
17. Return of clearing cheque Rs. 225/- Per Instrument plus GST. up to 3 returns in a month in a same account & after that Rs. 450 /- plus GST per Instrument.
18. Withdrawals in SB A/c both cheque and without cheque facility exceeding thrice in a week as per Bank's SB A/c. rules May be allowed as an extreme emergency (such as Medical, Death, educational, marriage & others unavoidable Circumstances)
19. MICR cheque leaf charge for SB/CD/CC/OD Account One cheque books of 25 leaves each will be issued free in a financial year. After that Rs. 75 /- per cheque book plus GST
20. Standing Instruction. (except Loan Disbursement / Repayment / RD) Rs. 100/- for first SI. and
Rs. 250/- for failure SI.
21. Sub-membership for clearing / Switching & service rendered No Charges from WBSCB except proportionate platform fee & other respective transaction Charges by Services Providers.
22. Allowing account operation through Power of Attorney / Mandate Rs.600/- for Individual and Rs.1200/- for Non-Individual plus GST
23. Charges for supply copies of documents (relating to old record) No Charges if readily available to Bank.
24. Legal opinion charge in case of complicated claim on death  /insolvency / insanity of depositors & other matter of banking operations requiring legal opinion as may be necessary by the Bank. Actual Cost Basis.
25. For Cash Deposit / Cheque Withdrawal to / from Non-home Branches. (except Loan Disbursement / Repayment / Technical fault at home Branch) For General Non-Home Branch Free Limit Rs. 25,000 /- &
For Senior Citizen Rs. 1,00,000 /-
Above aforesaid Limit, Rs. 0.60 per Thousand plus GST
26. Cash handling charges for home branches. (except Loan Disbursement / Repayment) No Charges Up to 60 Lac in a year.
Above Rs. 60 Lac - Rs. 0.60 per thousand plus GST.
27. For Current Account under Suvidha Scheme (Monthly Average Balance Rs. 100000 /-) Minimum Balance Rs. 5000 /- (Product Code 5014 - 1104) No Charges of any amount of Deposit at any Branch of WBSCB.
Full charge free account but min Balance should be Rs. 5000 /- (Minimum Balance fall Charge Rs. 1000 /- per month)
28. SMS Alert charges per quarter Rs.20/- plus GST
29. Charges towards CSGL A/c Holder No Charges
30. Charges towards CSGL A/c Holder Rs. 200 /- plus GST for adjustment of maturity Proceeds / periodical Interest Adjustment for each Transaction

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 Lac Nil
ii) Above Rs.2 Lac upto Rs.10 Lac Rs.575/-
iii) Above Rs.10 Lac upto Rs.25 Lac Rs.920/-
iii) Above Rs.25 Lac upto Rs.50 Lac Rs. 1725/-
iv) Above Rs.50 Lac upto Rs.1 crore Rs.4025/-
v) Above Rs. 1 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 Lac Rs.230/-
Above Rs.1 Lac upto Rs.10 Lac

above Rs.1 Lac to Rs. 5 Lac - Rs.575/-above Rs. 5 Lac to  Rs.10 Lac - Rs.775/-
Above Rs.10 Lac upto Rs.50 Lac above Rs.10 Lac to Rs.25 Lac - Rs.2070/- above Rs.25 Lac to Rs. 50Lac - Rs.3450/-
Above Rs.50 Lac upto Rs.100 Lac Rs.4600/-
Above Rs.100 Lac upto Rs.500 Lac Rs.6900/-
Above Rs.500 Lac upto Rs.1000 Lac Rs.9200/-
Above Rs.1000 Lac upto Rs.2000 Lac Rs.10350/-
Above Rs.2000 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 Lac

 

 Rs.500/-
Above Rs.2 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 Rs.10 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 Lac

 

 5

 
iv) Above Rs.1 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 Rs.115/-.
10. Letter of credit At 0.30% and amendment Charge-Rs. 225/- flat.
11. Charges for equitable mortgage upto - Rs.25000 Nil
above Rs.25000 - Rs.50000 Rs.100/-
above Rs.50000 - Rs.200000 Rs.500/-
above Rs.200000 - Rs.50000 Rs.1000/-
above Rs.50000 - Rs.2000000 Rs.1200/-
above Rs.2000000 - Rs.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 - Rs.25000 Nil
above Rs.25000 - Rs.50000 Rs.100/-
above Rs.50000 - Rs.200000 Rs.500/-
above Rs.200000 - Rs.50000 Rs.1000/-
above Rs.50000 - Rs.2000000 Rs.1200/-
above Rs.2000000 - Rs.10000000 Rs.2500/-
above Rs.10000000- Rs. 5000000 Rs.3000/-
above 5 crores Rs.10000/-
18. Bankers Solvancy certificate Upto Rs.1 Lac Rs.750/-
> Rs.1Lac upto Rs.10Lac Rs.1500/-
> Rs.10Lac to Rs.25Lac Rs.2500/-
> Rs.25Lac upto Rs.50Lac Rs.5000/-
> Rs.50Lac 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 (excluding GST) on & from 01-08-2025
Annual Fee from 2nd Year (waived for 1st Year) Rs. 125/-
Card Replacement Charges (With PIN) Rs. 100/-
For Duplicate PIN Rs.50/-
Free Transaction 6 Financial & 2 Non Financial transaction in a month
Transaction Charges for using ATM above free 5 transactions
limit in a month. [PIN Change is not a transaction]		 Rs. 25/- (per Financial)
including Service Tax &
Rs. 10/-(per Non-financial)
including Service Tax &
  * (PIN Change is not a Tranaction and all Transaction in WBSCB ATM is Free) *


D: IMPS Outward Transaction Charges for Mobile/ Internet/ Branch Banking

Slab Changes in Mobile/Internet Banking Changes from Branch for IMPS
Upto 1000/- No Charges Rs. 20/- plus GST per transaction
1001/- to 10000/- No Charges Rs. 20/- plus GST per transaction
10001/- to 20000/- No Charges Rs. 20/- plus GST per transaction
20001/- to 50000/- No Charges Rs. 20/- plus GST per transaction

* Maximum ceiling of transaction amount in IMPS is Rs. 50000/- per Day

** NO GST will be refunded if applied

***Penal Charges shall be payable in addition to advance rentals if there is any delay in paymant (All Sizes).