Sadhana Sahakari Bank Ltd. Nagpur
Bank Service Charges Details
Service Charges Applicable (Excluding GST)
1. Account & Service Charges
| Particulars | Charges |
|---|---|
| 1. Current / CC / OD Account | 1.25% | Min ₹500 | Half Yearly |
| 2. Savings Account | NIL | ROI 2.25% |
| 3. Term Loan (Up to ₹10 Lacs) | ₹300 | Half Yearly |
| 4. Term Loan (Above ₹10 Lacs) | 1.25% | Min ₹500 | Half Yearly |
| 5. Computer Maintenance Charges | ₹50 | Per Quarter |
2. Cash & Transaction Charges
| Particulars | Charges |
|---|---|
| 1. Cash Deposit | 10 Packets Free | ₹2 per Packet |
| 2. Cheque Return Charges | ₹300 per Cheque |
| 3. Stop Payment (Cheque) | ₹100 per Cheque |
| 4. Stop Payment (Demand Draft) | ₹250 |
3. Minimum Balance Requirements
| Particulars | Charges |
|---|---|
| 1. Current Account | ₹5,000 Monthly Average Balance |
| 2. Savings Account (With Cheque Book) | ₹1,000 Minimum Balance |
| 3. Savings Account (Without Cheque Book) | ₹500 Minimum Balance |
4. Loan & Processing Charges
| Particulars | Charges |
|---|---|
| 1. Loan up to ₹50 Lacs | 0.70% (Min ₹500) |
| 2. ₹50 Lacs – ₹1 Crore | 0.50% |
| 3. Above ₹1 Crore | 0.35% |
| 4. Education Loan | Interest Rate: 10% |
5. Locker & Other Charges
| Particulars | Charges |
|---|---|
| 1. Small Locker | ₹1,500 per Year |
| 2. Medium Locker | ₹2,000 per Year |
| 3. Large Locker | ₹4,000 per Year |
| 4. Locker Breaking Charges | Actual Cost + ₹700 |
6. Digital & Payment Charges
| Particulars | Charges |
|---|---|
| 1. Inward RTGS / NEFT | No Charges |
| 2. Outward RTGS (Up to ₹2 Lakh) | ₹5 |
| 3. Outward RTGS (₹2 Lakh to ₹5 Lakh) | ₹10 |
| 4. Outward RTGS (Above ₹5 Lakh) | ₹25 |
| 5. IMPS (Up to ₹25,000) | ₹5 |
| 6. IMPS (Above ₹25,000) | ₹10 |
7. Debit Card Charges
| Particulars | Charges |
|---|---|
| 1. First Year Issuance | Free |
| 2. Annual Maintenance Fee | ₹100 | From 2nd Year |
| 3. Duplicate Card Issuance | ₹200 |
| 4. ATM Transactions | 3 Free | ₹20 per Transaction |
8. Other Service Charges
| Particulars | Charges |
|---|---|
| 1. CIBIL Charges (Borrower - Single) | ₹300 |
| 2. CERSAI Charges (Per Guarantor) | ₹250 each |
| 3. MICR Cheque Book – Current Account (Normal) | ₹3 per Cheque |
| 4. MICR Cheque Book – Current Account (Finance) | ₹30 per Cheque |
| 5. MICR Cheque Book – Savings Account (Normal) | 20 Leaves Free | ₹3 per Leaf |
| 6. MICR Cheque Book – Savings Account (Finance) | ₹30 per Cheque |
| 7. MICR Cheque Book – C/C Account | ₹3 per Cheque |
⚠️ For additional / other service charges not listed above, please visit your nearest Home Branch for detailed information.