Service Charges

UCO BANK

Schedule of Service Charges w.e.f. 01.05.2009

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

(a) SB with cheque facility

 

 

      CBS Branches

Per quarter

150.00 (Rural - Rs.100/-)

      Non-CBS branches

Per quarter

100.00 (Rural Rs.75/-)

(b) SB without cheque facility

 

 

     CBS Branches

Per quarter

100.00

     Non-CBS branches

Per quarter

75.00

(c)  Current

 

 

      CBS Branches

 

450.00

      Non-CBS branches

 

300.00

Note: Charges for non-maintenance of minimum balance in account of Sr. citizen are not to be levied for the first default. The depositor to be advised to make good the gap failing which applicable default charges as mentioned above shall be applied.     

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

40

 

Charge for issuing duplicate pass book with latest entry 

Individual

Per occasion

50.00

Other than individual

Per occasion

100.00

 

Individuals

40 entries Per folio

  50.00

Other than individuals

40 entries per folio

  75.00

  

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/-
a) for senior citizens

per instrument

35.00

b) in all rural branches

35.00

c) in all other cases

40.00

 

 

 

Above 10000/- 

Per Rs.1000.00 or part thereof

3.00 Min.45.00 Max 17500/-

For all rural branches

Per Rs.1000.00 or part thereof

2.75
Min Rs.40.00 Max.Rs.15000/-

 

Pay Order other than against tender of cash

Upto Rs.10000/-

For senior citizens
In all Rural branches
In all other cases

 

Per instrument

 

35.00
35.00
40.00

Above Rs.10000/-  

Per Rs.1000.00 or part thereof

3.00
Min.Rs.45.00 Max.17500/-

For all rural branches

Per Rs.1000.00 or part thereof

2.75
Min.Rs.40 Max.Rs.15000/-

 

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

50% of applicable charge  Min.Rs.100/-

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)

less than Rs.1 lac

Per transaction

6.00

1 lac and above

Per transaction

28.00

 

Real Time Gross Settlement (RTGS)

Rs.1 to less than 5 lacs

Per Transaction

28.00
 

Rs.5 lacs and above

Per Transaction

55.00

  

Collection of outstation cheques

  

Unit

Service Charge (Rs.) (Incl. of S.T & E.Cess)

Amount of cheque

 

 

Upto Rs.10000

per instrument

55.00

Above Rs.10000 - upto Rs.10 lacs

per instrument

110.00

Above Rs. 10 lac

per instrument

165.00

Collection of Bills

Upto Rs.10000/-

per instrument

  95.00

Above Rs.10000/-

Per Rs.1000/- or part thereof

8.00 Min.Rs.100/- Max.Rs.25000/-

 

Handling Charges (Per instrument)

CHEQUES

Local cheques returned unpaid outward (including cash /transfer cheques)

per instrument

 

Rs.100/-

Local cheques returned unpaid inward clearing cheques

per instrument

Rs.125.00 

Outstation cheques returned unpaid 

Per instrument

50% of collection charges Min.Rs.200/-

BILLS

 

 

Local Bills returned unpaid

 

Per instrument

50% of collection charge Min.200.00 plus returning charges

Outstation Bills returned unpaid 

 Per instrument

 50% of collection charges Min.Rs.200.00 plus returning charges

  

ATM Services

Issuance of new ATM

 

Nil

Annual Fee/ Renewal Charges

  Per card

Rs.100.00 from 2nd year

Issuance for Duplicate Card

  Per card

100.00

Issuance of New Pin

  Per occasion

100.00

 ATM transaction charges

 

 

   i) Cash withdrawal

 

 

      Our Bank’s ATM

 

Free

      ATM of SBI and its 
      associates

Per occasion

 Free

ATM of MITR Banks

 

Free

  ii) Balance inquiry

  

 

     Our Bank’s ATM

 

Free

     ATM of SBI and its
     associates

     ATM of MITR Banks

   

Miscellaneous :

Incidental Charges for Accounts not operated for 1 year

(a)Savings Bank Accounts

 

 

Balance Rs.1000/- or more

Half yearly

Nil

Balance <Rs.1000/- >Rs.30/-

Half yearly

Rs.30/-NonCBS
  Rs.50/-CBS

Balance below Rs.30/- in Non-CBS
Balance below Rs.50/- in CBS branches

Half Yearly

available balance and a/c to be closed under advice to customer

(b) Current

 

 

Irrespective of balance

Half yearly

Rs.100/- Non-CBS
Rs.150/- CBS

Charge for closure of a/c within 12 months

(a) Savings Bank Accounts

 

 

without cheque book

 

100.00

with cheque book
For CBS

 

150.00
200.00

(b) Current

 

 

For firms and Companies

 

500.00

For others

 

            250.00

  

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.75/-
Other than individual Rs.100/-

 

Charge for stop payment of cheque (per instrument)

Savings Bank

Per instrument Per occasion

Other than Rural Branch Rs.75/- Max Rs.250/- per lot
Rural Branch Rs.50/- Max.250/- per lot

Current/ CC

Per instrument Per occasion

Other than Rural Branch Rs.100/- Max.Rs.500/-
per lot
Rural Branch Rs.80/- Max.350/- per lot

 

FOREIGN EXCHANGE TRANSACTIONS

Outward Remittances

Commission for all remittances other than import

Rs.170/- for amount upto Rs.11250/- and Rs.250/- for above Rs.11250/- (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.560/-) 

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/-

Per Rs. 1 Lac

Rs.350.00
Min. 350.00

RENEWAL CHARGES (for advances other than Term Loan & DPG)

Amount of Advance

 

 

Upto Rs.25000/-

-

Nil

Above Rs.25,000/-

Per Rs. 1 Lac

Rs.350.00
Min.Rs.350.00

PROCESSING CHARGES FOR TERM LOANS & DPG

I. Fresh Term Loan/DPG sanctioned excluding loans sanctioned under Retail Segment
Upto Rs.25000/-
Above Rs.25000/-

NIL
1.1236% of sanctioned limit minimum Rs.600.00

Ad-hoc Sanction Charges

Upto Rs.25 thousand

  NIL

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 Rent

 

    Fresh sanction

1% of the sanctioned loan amount

    Review on run down balance

Rs.225.00 per lac Min Rs.250.00 Max.Rs.56000.00

UCO Real Estate

 

Fresh sanctions

0.8% on the amount of loan applied for along with the application.1.20% processing fee of the sanctioned loan amount.

Review of TL on run down balance

Rs.125.00 per lac Min.Rs.250.00
Max Rs.56000.00

Renewal of CC/WC

Rs.400/- per lack of part thereof

UCO Shilpa Udyog

 

Fresh Sanctions

0.50% of FB limit/  0.25% of NFB limit

Review/Renewal charges

350.00 per lac or part thereof Min.350.00

RETAIL PRODUCTS

 

UCO Cash

1% of loan amount, Minimum Rs.750/-

UCO Nari Shakti

1% of loan amount, Minimum Rs.750/-

UCO Pension

NIL

UCO Car

1% of loan amount, Maximum Rs.1500/-

UCO Shelter

0.50% of loan amount, Minimum Rs.1500/-

UCO Shopper

1% of loan amount, Maximum Rs.750/-

UCO Trader

0.50% (fund based)/ 0.25% (non-fund based limit)

UCO Securities (Loan against NSC, KVP etc.)

Rs.250/- flat per case

UCO Mortgage

1% of loan amount

UCO Education

NIL

UCO Earnest Money

Min.500 per application

Swabhiman

0.25% of the loan amount

Processing Charges/Roll Over Charges for FCNR(B) loan

Rs.50000/- per occasion

  

For earmarking credit limits sanctioned by us and to be availed by the borrowers from other Bank, the service charge of 1.20% per annum will be levied on quarterly basis i.e. 0.30% per quarter.

Pre-payment charges and Commitment Charges (for facilities above Rs.2 lacs):

a) Prepayment Charges :

Agriculture loans upto Rs.10 lacs

No prepayment charges

 

Other Priority Sector loans upto Rs.5 lacs

Other Term Loan Accounts with limit upto Rs.2 lacs

For other term loans as per Annexure-1 enclosed. 

In case of prepayment of instalment(s), prepayment charges shall be levied on the prepaid amount at the following rates. 

Rates for Prepayment Charges

Remaining Period in months

Term loan accounts with concessional rate of interest (Rate – 1)

Term loan accounts without any concessional rate of interest(Rate – 2)

1

0.07%

0.03%

2

0.13%

0.06%

3

0.19%

0.10%

4

0.26%

0.13%

5

0.32%

0.16%

6

0.38%

0.19%

7

0.44%

0.22%

8

0.50%

0.25%

9

0.56%

0.28%

10

0.61%

0.31%

11

0.67%

0.33%

12

0.72%

0.36%

13

0.78%

0.39%

14

0.82%

0.41%

15

0.88%

0.44%

16

0.93%

0.46%

17

0.98%

0.49%

18

1.02%

0.51%

19

1.07%

0.53%

20

1.12%

0.56%

21

1.17%

0.58%

22

1.21%

0.60%

23

1.26%

0.62%

24

1.30%

0.65%

25

1.34%

0.67%

26

1.38%

0.69%

27

1.42%

0.71%

28

1.46%

0.73%

29

1.50%

0.75%

30

1.54%

0.76%

31

1.58%

0.78%

32

1.61%

0.80%

33

1.65%

0.82%

34

1.69%

0.84%

35

1.72%

0.85%

36

1.76%

0.87%

37

1.79%

0.89%

38

1.82%

0.90%

39

1.85%

0.92%

40

1.88%

0.93%

41

1.91%

0.95%

42

1.94%

0.96%

43

1.97%

0.98%

44

2.00%

0.99%

45

2.03%

1.00%

46

2.05%

1.02%

47

2.08%

1.03%

48

2.11%

1.04%

49

2.13%

1.06%

50

2.16%

1.07%

51

2.18%

1.08%

52

2.20%

1.09%

53

2.23%

1.10%

54

2.25%

1.11%

55

2.27%

1.12%

56

2.29%

1.13%

57

2.31%

1.14%

58

2.34%

1.15%

59

2.35%

1.16%

60

2.37%

1.17%

61

2.39%

1.18%

62

2.41%

1.19%

63

2.41%

1.19%

64

2.44%

1.21%

65

2.46%

1.21%

66

2.48%

1.22%

67

2.49%

1.23%

68

2.51%

1.24%

69

2.52%

1.24%

70

2.54%

1.25%

71

2.55%

1.26%

72

2.57%

1.26%

73

2.58%

1.27%

74

2.59%

1.27%

75

2.60%

1.28%

76

2.61%

1.29%

77

2.63%

1.29%

78

2.64%

1.30%

79

2.65%

1.30%

80

2.66%

1.31%

81

2.67%

1.31%

82

2.68%

1.32%

83

2.69%

1.32%

84

2.70%

1.32%

85

2.71%

1.33%

86

2.71%

1.33%

87

2.72%

1.34%

88

2.73%

1.34%

89

2.73%

1.34%

90

2.74%

1.34%

91

2.75%

1.35%

92

2.75%

1.35%

93

2.76%

1.35%

94

2.77%

1.36%

95

2.77%

1.36%

96

2.78%

1.36%

97

2.78%

1.36%

98

2.78%

1.36%

99

2.79%

1.37%

100

2.79%

1.37%

101

2.80%

1.37%

102

2.80%

1.37%

103

2.80%

1.37%

104

2.81%

1.37%

105

2.81%

1.37%

106

2.81%

1.37%

107

2.81%

1.37%

108

2.81%

1.38%

109

2.82%

1.38%

110

2.81%

1.38%

111

2.82%

1.38%

112

2.82%

1.38%

113

2.82%

1.38%

114

2.82%

1.38%

115

2.82%

1.38%

116

2.82%

1.38%

117

2.82%

1.37%

118

2.82%

1.37%

119

2.82%

1.37%

120

2.82%

1.37%

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 : Priority Sector & Non-Priority Sector

No dues certificate (NDC) for small loans upto Rs.50,000/- to small and marginal farmers, share cropper and the like

NIL

No dues certificate (NDC) for others

Rs.50/- per certificate

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)

 

per certificate

Rs.250/- per lac Min.Rs.650/- Max.Rs.15000/-

 

Cash Deposit/Withdrawal of Cash, Collection of cheques at CBS branches

Deposit of cheques of same centres (base/Non-base branches)

 

i)Collection of local cheques by any CBS branch at the same centre where base branch is located (e.g customer having an account at a CBS branch in Kolkata and cheques drawn on any bank in Kolkata deposited at any CBS branches participating in Clearing House Kolkata ) -
Free of cost

Deposit of cheques of other centres

Outstation cheques collection charges to be levied as per item no.A1

Deposit/withdrawal of cash

At local non-base branch upto Rs.25,000/- per day flat charge of R.10/- per transaction.

Above Rs.25000/- @Rs.1.75 per Rs.1000/- or part thereof (Min. Rs.25/- per transaction) Max.Rs.12000/-.

At outstation (nonbase branch Upto Rs.25000/- per day flat charge of Rs.10/- per transaction.

Above Rs.25000/- @Rs.3.00 per Rs.1000/- or part thereof (min.Rs.50/- per transaction)

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 : Priority Sector & Non-Priority Sector

No dues certificate (NDC) for small loans upto Rs.50,000/- to small and marginal farmers, share cropper and the like

NIL

No dues certificate (NDC) for others

Rs.50/- per certificate

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)

 

per certificate

Rs.250/- per lac Min.Rs.650/- Max.Rs.15000/-

 

Cash Deposit/Withdrawal of Cash, Collection of cheques at CBS branches

Deposit of cheques of same centres (base/Non-base branches)

 

i)Collection of local cheques by any CBS branch at the same centre where base branch is located (e.g customer having an account at a CBS branch in Kolkata and cheques drawn on any bank in Kolkata deposited at any CBS branches participating in Clearing House Kolkata ) -
Free of cost

Deposit of cheques of other centres

Outstation cheques collection charges to be levied as per item no.A1

Deposit/withdrawal of cash

At local non-base branch upto Rs.25,000/- per day flat charge of R.10/- per transaction.

Above Rs.25000/- @Rs.1.75 per Rs.1000/- or part thereof (Min. Rs.25/- per transaction) Max.Rs.12000/-.

At outstation (nonbase branch Upto Rs.25000/- per day flat charge of Rs.10/- per transaction.

Above Rs.25000/- @Rs.3.00 per Rs.1000/- or part thereof (min.Rs.50/- per transaction)

 

 

Fund Transfer between CBS Branches
(Non-cash)

Flat @Rs.1.50 per Rs.1000/- or part... Max. Rs.6000/- .

No charge for customer initiated transfer through e-banking