Service Charges

UCO BANK

Schedule of Service Charges w.e.f. 1/9/2007

Savings Bank A/c Minimum Balance
With cheque facility other than Pension A/c	Category of Branch				Amount
Individuals	Metro				Rs.1000/-
	Urban				Rs.1000/-
	Semi-urban				Rs.500/-
	Rural				Rs.250/-
Others	Metro				Rs.1500/-
	Urban				Rs.1500/-
	Semi-urban				Rs1000/-
	Rural				Rs.250/-
Without cheque facility other than Pension A/c
Individuals	Metro				Rs.500/-
	Urban				Rs.500/-
	Semi-urban				Rs.250/-
	Rural				Rs.100/-
With cheque facility Pension A/c
Individuals	Metro				Rs.250/-
	Urban				Rs.100/-
	Semi-urban				Rs.100/-
	Rural				Rs.100/-
Without cheque facility Pension A/c
Individuals	Metro				Rs.50/-
	Urban				Rs.50/-
	Semi-urban				Rs.50/-
	Rural				Rs.50/-
No frills A/c	Minimum balance				Rs.5/- (without cheque facility); Rs.250/- (with cheque facility)
Charge for not maintaining Minimum Balance	Per Occasion
(a) SB with cheque facility	Per occasion				40.00
(b) SB without cheque facility	Per occasion				30.00
(c)  Current	Per occasion				100.00
Charge for issuance of cheque book
Savings Bank (Per leaf)
MICR	Per leaf				3.00
Non-MICR	Per leaf				3.00
Free Chq. Leaves in a year	No. of Chq. Leaves				60
Charge for issuing duplicate pass book/statement of account	Per Ledger Folio				40.00
Charge for issuance of duplicate interest certificate/ balance certificate	Per certificate				50.00
Mode of calculation of minimum balance					Actual balance
Remittances
Issuance of Demand Draft other than against tender of cash
Amount of Demand Draft
upto 10000/-	-				30.00
Above 10000/- upto 1 lac	Per Rs.1000.00 & part thereof				2.50 Min Rs.30.00
Above 1 lac upto 10 lacs	Per Rs.1000.00 & part thereof				2.25 MinRs.250.00
Above 10 lacs	Per Rs.1000.00 & part thereof				1.75 Min.Rs.2250.00 Max.Rs.25000.00
Pay Order other than against tender of cash
Upto Rs.500/-	-				30.00
Above Rs.500/- upto Rs.1000/-	-
Above Rs.1000/- upto Rs.5000/-	-				30.00
Above Rs.5000/- upto Rs.10000/-	-				30.00
Above Rs.10000/- upto Rs.1 lac	Per Rs.1000.00 & part thereof				2.50 Min.Rs.30.00
Above Rs.1 lac upto Rs.10 lacs	Per Rs.1000.00 & part thereof				2.00 Min.Rs.250.00
Above Rs.10 lacs	Per Rs.1000.00 & part thereof				1.50 Min.Rs.2000.00 Max. Rs.15000.00
Telegraphic Transfer (T.T.)	Per instrument				DD Comm. + Telegram Cost
Issuance of DD/MT/TT/Pay Order against tender of Cash      (restricted to amount less than Rs.50,000/-)
Issuance of DD/MT/TT/Pay Order against tender of Cash is restricted to amount less than Rs.50,000.00	Additional 50% over the normal charges to non-customers & 30% to the customers shall be levied
Miscellaneous
a) Issuance of Duplicate DD/Pay Order (per instrument)	Per instrument				100.00
b) Revalidation of DD/Pay Order (Per instruments)	Per instrument				100.00
c) Cancellation of DD/Pay Order (Per instrument)	Per instrument				100.00
National Electronic Fund Transfer (NEFT)
Outward	Per Rs.1000.00 & part thereof				1.50 Min.Rs.50.00 Max.Rs.2500.00
Inward					Nil
Real Time Gross Settlement (RTGS)
Outward	Per Rs.1000.00 &part thereof Per occasion				1.00 Min. Rs.100.00 Max. Rs.2500.00
Inward					Nil
Collection of outstation cheques
	Unit				Service Charge (Rs.) (Incl. of S.T & E.Cess)
Amount of cheque
Upto Rs.500	-				25.00
Above Rs.500-upto Rs.1000	-				25.00
Above Rs.1000-upto Rs.5000	-				40.00
Above Rs.5000-upto Rs.10000	-				45.00
Above Rs.10000-upto Rs.1 lakh	Per Rs.1000/- & part thereof				4.50 Min. Rs.45.00
Above Rs.1 lakh upto Rs.10 lakhs	Per Rs.1000/- & part thereof				4.00 Min. Rs.450.00
Above Rs.10 lakhs	Per Rs.1000/- & part thereof				3.50 Min. Rs.4000.00 Max. Rs. 35000.00
Collection of Bills
Collection charge
Above Rs.10000/- upto Rs. 1 lac	per Rs.1000/-  & part thereof				Rs.8.00/- Min.100/-
Above Rs.1 lac upto Rs.10 lacs	per Rs.1000/- & part thereof				Rs.7.50/- Min.Rs.800.00
Above Rs.10 lacs	per Rs.1000/- & part thereof				Rs.6.50/- Min.Rs.7500/- Max.25000/-
Handling Charges (Per instrument)
For Returned Unpaid Outstation Cheques and Local/Outstation Bills	Per instrument				50% of collection charge, Min. Rs.100.00
For Unpaid Local Cheques Returned to Branch	Per instrument				Rs.75.00
For inward clearing cheque Returned unpaid
Upto Rs. 1 lac	Per instrument				Rs. 60/- + applicable Intt. - as per sanction or in case of casual transaction with approval of competent authority - BPLR + 3%
Above Rs. 1 lac	Per instrument				Rs. 150/- + applicable Intt. - as per sanction or in case of casual transaction with approval of competent authority - BPLR + 3%
ATM Services
Membership Fee					Nil
Annual Fee					Nil
Renewal Charges					Nil
Late Payment Charges					Nil
Interest Charges					Nil
Replacement Charges
For Duplicate Card					Rs.100/-
For Duplicate Pin					Rs.50/-
Transaction charges for Partner banks
SBI					Rs.18/- for Cash withdrawal & Rs.7/-for balance enquiry plus service charges
MITR Group					Rs.15/- for Cash withdrawal & Rs.4/- for balance enquiry plus service charges
Miscellaneous :
Incidental Charges for Accounts not operated for 1 year
(a) Savings Bank Accounts			half yearly
Balance Rs.1000 or more			half yearly		Nil
Balance > Rs.1000/- > Rs.30			half yearly		30.00
Balance below Rs.30			half yearly		*available balance
(b) Current
Irrespective of Balance			half yearly		50.00
Charge for closure of a/c within 12 months
Savings Bank					Without Cheque book Rs.100/- With cheque book Rs.150/-
Current /CC					For Companies Rs.500/- For Others Rs.150/-
Charge for issuance of duplicate interest certificate/ balance certificate			Per certificate		50.00
Charge for attestation of customer's signature on documents (per signature attested)			per signature attested		Individual Rs.50/- Other than individual Rs.75/-
Charge for stop payment of cheque (per instrument)
Savings Bank			Per instrument Per occasion		Other than Rural Branch Rs.50/- Rural Branch Rs.40/-
Current/ CC			Per instrument Per occasion		Other than Rural Branch Rs.100/- Rural Branch Rs.80/-
FOREIGN EXCHANGE TRANSACTIONS
Outward Remittances
Commission for all remittances other than import			Rs.100/- for amount upto Rs.10,000/- and Rs.200/- for above Rs.10000/- (where no exchange benefit accrues to the Bank including cases where contract is booked with another AD, additional charge @ 0.10% with a minimum of Rs.500/-)
Inward Remittances
Encashment of TT/MT/DD, cover of which has been received			Current TT buying rate (no additional exchange margin or interest to be charged) Commission:- Rs.100/- for inward remittance upto Rs.100,000/- and RS.200/- for above Rs.100,000/-. (But if proceeds are to be credited to the deposit account with us, the commission will be waived).
Encashment of TT/MT/DD, cover of which has not been received			TT buying rate plus exchange margin of 0.125% Interest shall be recovered separately from the customer at domestic commercial rate for the period of 15 days. Commission:- Rs.100/- for inward remittance upto Rs.100,000/- and RS.200/- for above Rs.100,000/-. (But if proceeds are to be credited to the deposit account with us, the commission will be waived).
Customer personal cheque IMO/PO payable abroad			TT buying rate plus exchange margin of 0.125%. Interest shall be recovered separately from the customer at domestic commercial rate for the period of 15 days Commission:- Rs.100/- for inward remittance upto Rs.100,000/- and RS.200/- for above Rs.100,000/-. (But if proceeds are to be credited to the deposit account with us, the commission will be waived).
Issue of Foreign Currency Travellers Cheques and Currency Notes
Commission on rupee equivalent			0.75%
Commission on foreign currency travellers  cheques issued against foreign currency remittance received from abroad/debited to EEFC a/c.			0.25%
General Instructions :
a) Actual postage cost/telegram charges and other out of pocket expenses are to be recovered in addition to the prescribed charges.
b) In case of cash transactions for collection of cheques/bills an additional charge of 30% over the prescribed rate to be charged.
c) In case of cheques and bills collected through another bank, both banks should recover 50%of their respective collection charges.
RETAIL LOANS
PROCESSING CHARGES (for advances other than Term Loan & DPG)
Amount of Advance			Unit		Service Charge(Rs.)
Upto Rs.25,000/-			-		Nil
Above Rs.25,000/- upto Rs.2 Lacs			Per Rs. 1 Lac		275.00 Min. 275.00
Above Rs.2 Lacs			Per Rs. 1 Lac		275.00
RENEWAL CHARGES (for advances other than Term Loan & DPG)
Amount of Advance
Upto Rs.25000/-			-		Nil
Above Rs.25,000/- upto Rs.2 Lacs			Per Rs. 1 Lac		275.00 Min.275.00
Above Rs.2 Lacs			Per Rs. 1 Lac		275.00
UPFRONT FEE FOR TERM LOAN & DPG (in lieu of Processing Charges)
Amount of Advance
Upto Rs.25,000/-			-		Nil
Above Rs.25,000/-			% of the sanctioned limit		1% of the sanctioned limit Min. 500.00
Ad-hoc Sanction Charges
Amount of Advance
Above Rs.25000/-			Normal processing charge for the period of sanction on pro-rata basis (Min. charge for 3 months)
Processing Charges on Bank's Own Loan Scheme :
Scheme			Processing Charge
UCO Cash			1% of loan amount, Minimum Rs.500/-
UCO Nari Shakti			1% of loan amount, Minimum Rs.500/-
UCO Pension			NIL
UCO Car			1% of loan amount, Maximum Rs.1000/-
UCO Shelter			0.5% of loan amount, Minimum Rs.1000/- No processing fee for take over loan
UCO Shopper			2% of loan amount, Maximum Rs.500/-
UCO Trader			0.50% (fund based)/ 0.25% (non-fund based limit)
UCO Securities (Loan against NSC, KVP etc.)			Rs.100/- flat per case
UCO Mortgage			1% of loan amount
UCO Education			NIL
UCO Rent			0.5%, Maximum Rs.2.00 lacs
UCO Real Estate			0.8% on the amount of loan applied for alongwith the application. 1% up front fee of the sanctioned loan amount.
Processing Charges/Roll Over Charges for FCNR(B) loan			Rs.20000/- per occasion
For earmarking credit limits sanctioned by us and to be availed by the borrowers from other Bank, the service charge of 1% per annum will be levied on quarterly basis i.e. 0.25% per quarter.
Pre-payment charges and Commitment Charges (for facilities above Rs.2 lacs):
a) Prepayment Charges :
Accounts with limit upto Rs.2 lacs			No prepayment charges
Accounts with limit above Rs.2 lacs & upto Rs.1 crore			0.5% + Service Tax & Education Cess
Accounts with limit above Rs.1 Crore & upto Rs.10 crores			1% + Service Tax & Education Cess
Accounts with limit above Rs.10 crores			2% + Service Tax & Education Cess
b) Commitment Charges: Where average availment of fund based credit during a month is less than 70% of the limit sanctioned commitment charges @ 1/12th percent on the unutilized limit shall be levied for that month. Service Charge at applicable rate (i.e. 12.36% shall be added to the commitment charge)
Issuance of No Dues Certificate : Non-Priority Sector
Rs.50/- per certificate
Items		Rate of service charges Effective from 1st September, 2007		Modification in service charges
Issuance of No dues certificate (Priority Sector & Non Priority Sector)		Rs.50/- per certificate		Rs.50/- per certificate (No Dues Certificate shall not be required for loans upto Rs.50000/- to small/ marginal farmers/ share croppers & the likes )
Charges for issuance of 'No Dues Certificate' to clients whose NPA accounts are settled by entering into compromise (applicable in all cases where sanctioned loan/limit/disbursed amount is above Rs.5 lacs)
NPA Accounts where terms of Compromise are strictly adhered to			1000.00 per certificate
NPA Accounts where repayment is not received as per original schedule/failed compromise is revived.			2000.00 per certificate
Charge for issuance of Solvency Certificate (per certificate)
upto 100000			per certificate		750
Above 100000			per certificate		Rs.250/- per lac Min. Rs.750/- Max. Rs.15000/-