Service Charges
| Sr.No. | Transaction | Exchange / Commission / Service Charges |
|---|---|---|
| 1 | Pay Orders | |
| Upto Rs. 5,000.00 | Nill | |
| Above Rs. 5,000.00 | Rs. 10.00 + GST | |
| Rs. 2.00 per Thousand + GST | ||
| (Minimum 10/- + GST). | ||
| 2 | Demand Drafts | |
| Upto Rs. 7,000.00 | Nill | |
| Above Rs. 7,000.00 | Rs. 15.00 + GST | |
| Rs. 2.00 per Thousand + GST | ||
| (Minimun Rs. 15/- + GST | ||
| 3 | Cheque stop Payment Charges | Rs. 50.00 + GST |
| 4 | Cheque book issue charges | Rs 5 per leaf |
| 5 | Loss of Gold Loan Acknowledgement | Rs. 100.00 |
| 6 | DD / Pay Order Cancellation | Rs. 20.00 + GST |
| 7 | Pay Order Revalidation | Rs. 20.00 + GST |
| 8 | DD Revalidation | Rs. 20.00 + GST |
| 9 | Issue of Duplicate P.O. | Rs. 20.00 + GST |
| 10 | Issue of Duplicate DD | Rs. 20.00 + GST + Other Bank Charges, If any. |
| 11 | Issue of Duplicate Passbook | Rs. 20.00 + GST |
| 12 | Statement issue Charges per page | Rs. 10.00 + GST |
| 13 | Inward / Outward Clearing Cheque and NACH Return Charges | Rs. 500.00 + GST |
| 14 | Account Closure Charges | If closed within One Year of Opening. |
| Savings Account | Rs. 100.00 + GST. | |
| Current Account | Rs. 200.00 + GST. | |
| 15 | Cheque Purchase | Interest @ 24% p.a. for the actual number of days |
| (Minimum Rs.50.00) + Postage (For Outstation Cheques Only) | ||
| Rs. 50.00 for Other bank charges. | ||
| 16 | SMS CHARGES on ( Pro-rata Basis ) | A Minimum of Rs 1/- and a Maximum of Rs 30/- ( including GST ) will be levied quarterly. |
| 17 | MINIMUM BALANCE CHARGES on ( Pro-rata Basis) | A Minimum of Rs 1/- and a Maximum of Rs 200/- ( including GST ) will be levied Half-yearly. |
| 18 | RTGS & NEFT | Upto ₹ 100000/- free for All Type of Accounts |
| Upto ₹200000/- free for All Type of Savings Accounts | ||
| ₹ 100001/- to ₹ 200000/- charges Rs.20+ GST | ||
| ₹200001/- to ₹ 500000/- charges Rs.20+ GST | ||
| ₹ 500001/- & Above charges Rs.40+ GST | ||
| 19 | IMPS CHARGES | upto Rs.5000.00 free |
| Rs.5000.01 to 10000.00 charges Rs.5+ GST | ||
| Rs.10000.01 to 100000.00 charges Rs.8+ GST | ||
| Rs.100000.01 to 200000.00 charges Rs.15+ GST | ||
| Rs.200000.01 to 500000.00 charges Rs.25+ GST | ||
| 20 | ACCOUNT CLOSING CHARGES | Account,closed will attract a service charges of Rs. 100/- +GST for S.B. Account |
| and RS. 200/- +GST for Current Account | ||
| 21 | ATM Interchange (Transactions at Non The Kanakamahalakshmi Co-Op Bank Ltd., ATMs) (With effect from 1st July 2025 | For Financial transactions i.e (withdrawl) will attract a service charge of Rs:25/- including Gst |
| For Non Financial transactions i.e (Pin Change,Mini Statement,Balance Enquiry) will attract a service charge of Rs:9/- including Gst | ||
| Sends SMS Alerts for all transactions to Registered Mobile Number | ||
| 22 | ATM annual maintenance charges | Rs. 100.00 + GST |
| 23 | Block and Reissue of ATM card | Rs. 200.00 + GST |
LOANS & ADVANCES
Share Capital 2.5% on loan amount
1% Servaice charges on loan amount + CGST 9% & SGST 9%
Legal Charges for loans upto Rs 5.00 lakhs : Rs 1200
Legal charges for loans raning from Rs 5.00 lakhs to Rs 25.00 lakhs : Rs 2000
Legal charges : 0.5% on valuation amount ( Maximum Rs 5000)
Miscellaneous charges : Rs 300 ( for obtaining Ecs etc)
Travalling : ( Minimum Rs 500 ( field inspection )
GOLD LOAN CHARGES
1.Service charges : 0.1% on market value of gold ( Min Rs 10)
2.Appraiser fees : 0.2% on loan amount ( Min Rs 50 Max Rs 200 )
3.Insurance : 0.1% on market value of gold
RENT ON LOCKERS
SMALL LOCKER
Rent : Rs 1500 + GST par annum
Stamps: Rs 100
Miscellaneous: Rs 20
CGST : 9% on rent amount
SGST : 9% on rent amount
(1500+100+20+135+135 = 1890)
MEDIUM LOCKER
Rent : Rs 2500 pa
Stamps: Rs 100
Miscellaneous : Rs 20
CGST : 9% on rent amount
SGST : 9% on rent amount
(2500+100+20+225+225 = 3070)
LARGE LOCKER
Rent : Rs 5000 pa
Stamps: Rs 100
Miscellaneous : Rs 20
CGST : 9% on rent amount
SGST : 9% on rent amount
(5000+100+20+450+450 = 6020)