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Service Charges

Service Charges

 

Service/ Amount  Individual Customers Co-operatives Rate for other customers

RTGS/NEFT ( Slabwise)

Upto Rs.1,00,000/-  Rs.5/- plus Service Tax  Rs.5/- Plus Service Tax Rs.5/- plus Service Tax
Rs.1,00,001/- to Rs.1,99,999/-  Rs.15/- plus service Tax   Rs.15/- plus service Tax  Rs.15/- plus service Tax
Rs.2,00,000/- to Rs.5,00,000/-   Rs.25/- plus service Tax  Rs.25/- plus service Tax Rs.25/- plus service Tax
Above Rs.5,00,000/-  Rs.50/- plus Service Tax  Rs.50/- plus Service Tax Rs.50/- plus Service Tax
DD/ MT Commission  
Upto Rs.1,000 Rs.20/- plus Service Tax  Rs.10/- plus Service Tax Rs.20/- plus Service Tax
Rs.1,001/- to Rs.1,00,000/- Rs.20/- plus Rs.3 per Rs1000/-  for amounts exceeding Rs.1000 or part there of plus service Tax Rs.10/-plus Rs.2 per Rs.1000/- for amounts exceeding Rs.1000 or part there of plus service tax Rs.20/- plus Rs.3/- per Rs.1000/- for amounts exceeding Rs.1000 or part thereo plus Service Tax
 Above Rs.1,00,000/- Rs.2/-per Rs.1000/- or part thereof subject to a minimum of  Rs.320/-  Rs.10/- plus Rs.1000 per Rs.1000 or part thereof subject to a minimum of Rs.210  Rs.2 per Rs.1000/- or part there of subject to a minimum o Rs.320/-
DD Commission to Current account holders   
Maintaining a minimum balance of Rs.50,000/-      75% of the above rates
Maintaining a minimum balance of Rs.1,00,000/- 50% of the above rates
DD commission to students in favour of educational institutions Rs.1.50/-per Rs.1000/- or part there of subject to a minimum of Rs.15/-
 OBC  Commission
Upto Rs.10,000 Rs.5per Rs.1000 or part therere of subject to a minimum of Rs.20/- and Maximum of Rs.50/- plus service tax
Upto Rs.10,001 to Rs.1,00,000/- Rs.1/-per Rs.1000/- or part there of subject to a minimum of Rs.50/- and maximum of Rs.100/- plus service tax
Above Rs.1,00,000/- Rs.1/-per Rs.1000/- or part there of subject to a minimum of Rs.50/- and maximum of Rs.150/- plus service tax
ABB CHARGES
For Customers except co-operatives For Co-operatives
One account holder to another account holder account                  ( By transfer) 50% of DD commission rate

Upto Rs.1,00,000/- - Nil

Rs.1,00,000/- to Rs.2,00,000/-  - Rs.50/-plus service tax

Above Rs.2,00,000/- - Rs.100/-plus service tax

 

 
One account holder to his own account upto Rs.50,000/-               ( By transfer) No Charges
One account holder to his own account above Rs.50,000/-             (By transfer)

Rs.1/- per Rs.1000/- or part there of for amounts above Rs.50000/-subject to a minumum of Rs.10/- plus service tax applicable

(No ABB Commission for fixed deposit closed and transferred to his account with another branch of ADCB. Similarly No ABB commission for amounts transferred to loan account with another branch of ADCB. DD

 ABB transactions through Cash remittance

Commission as applicable for issue of DD plus service tax

 Loan Processing Charges 
 All loans except gold loan

Upto Rs.10 lakhs - 1% of Loan amount plus service tax

Above Rs.10 lakhs - Rs.10000/- plus 0.50% for each Rs.1000/- above Rs.1,00,000/- plus service tax

Gold loan except Agricultural gold loan, Swarnamithra and swarnanidhi schemes

 No processing Charge.

Insurance charge plus service tax as below:

Upto Rs.50,000 - Rs.100/- Only

Upto Rs.1,00,000/-- Rs.150/-only

Above Rs.1,00,000/- - 0.15% of loan amount subject to maximum of Rs.1000/-

Agricultural Gold loan  1% of loan amount plus service tax
Bhoomi mithra 

0.50% of loan amount plus service tax  

(on yearly renewal -0.25% of loan amount renewed plus service tax)

Swarnanidhi Gold Loan scheme

Upto Rs.10,00,000/-  - 1% of Loan amount plus service tax

Above Rs.10,00,000/-  - Rs. 10000 plus +0.50% of loan amount above10 lakhs subject to a maximum of Rs.17500/- plus insurance @0.25% loan amount subject to a maximum of Rs.2000/-

Swarnamithra Gold Loan Scheme

0.50% of Loan amount plus service tax

(on yearly renewal -0.25% of loan amount plus service tax

OTHER CHARGES for SB Account holders
 Initial deposit on opening of SB Account except No frill account ( Without cheque book facility)  Rs.250/-
 Initial deposit on opening of SB Account except No frill account ( With cheque book facility)  Rs.1000/-
Minimum balance to avail ATM facility                                                                          Rs.1000/-
penalty for insufficient minimum balance Rs.50 /- per year
Cost of cheque book upto 20 leaves per year Free
Cost of Cheque book above 20 leaves Rs.25/-per book
In operative charges Rs.Rs.50/year
OTHER CHARGES for Current Account holders
Initial deposit to open a current account cheque book facility Rs.5000/-
Minimum balance required Rs.5000/-
Cost of cheque leaves upto 30 Nos Free
Cost of cheque leaves above 30 Nos Rs.25/book
In operative charges Rs.50/year
OTHER CHARGES  
Account Closing charge Rs.50 plus service tax
On Dishonour of cheques Rs.100 plus service tax
RD penal interest 2% on arrear amount
Duplicate passbook 50 plus service tax