Note:
- The service charges & fees are subject to Revision/change from time to time without any notice.
- Service Tax at the prescribed rate will be extra.
- The Service charges are effective from 01.05.2024
Service Charges
Schedule Of Service Charges(Effective from 01.05.2024)
| (A) | Remmittance Facility:- | ||
| 1 | Demand Draft/Banker’s Cheque issue | ||
| (i) Up To Rs. 5000/- | Rs. 30/-+GST | ||
| (ii) Above Rs. 5000/- Up To Rs.15000/- | Rs. 40/-+GST | ||
| (iii) Above Rs. 15000/- | Rs. 2/- per thousand+GST | ||
| Concession to the parties :- | |||
| (i) Maintaining minimum balance of Rs. 1.00 lac in their C.D./S.B.account | 50% concession | ||
| (ii) Maintaining minimum balance of Rs.50,000/- in their C.D./S.B.account | 25% concession | ||
| 2 | D.D./B.C. cancellation charges :- | Rs. 100/- per D.D./B.C.+GST | |
| 3 | D.D./B.C. Revalidation charge | Rs. 100/- per D.D./B.C.+GST | |
| 4 | Duplicate D.D./B.C. issue charge | Rs. 100/- per D.D./B.C.+GST | |
| 5 | Stop payment of DD/Cheques issued on other Bank | Rs. 100/- per D.D.+other Bank’s charge | |
| 6 | RTGS/NEFT charges | No charge as per RBI guidelines | |
| IMPS/MOBILE APP CHARGE (A)Inter Branch Transfer (B) IMPS (For staff members All charges are free) |
Nil Rs.0 to 10000/- = 5.00 + GST Rs.10001 to 25000 =10.00+GST Rs. 25001 to 100000 =25.00+GST |
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| (B) | Bills/Cheques collection/Return:- | ||
| (B) (1)Outstation Cheques collection (OBC) charges | Saving A/c Holder | Others A/c Holder | |
| 1 | Upto Rs. 5,000/- | 25/-+GST | 50/-+GST |
| 2 | Rs. 5,001/- To Rs. 10,000 /- | 50/-+GST | 75/-+GST |
| 3 | Rs. 10,001/- To Rs. 1,00,000/- | 100/-+GST | 150/-+GST |
| 4 | Above Rs. 1,00,000/- | 150/-+GST | 200/-+GST |
| (B) (2)OBC Cheque return Charges | As per ( B ) (1) cheque collection charges | ||
| (B) (3)(a) IBC Commission (Bills) | |||
| (i) Upto Rs. 5000/- | Rs. 50 +GST and Postage | ||
| (ii) Above Rs. 5000/- | Rs. 7 Per Thousand + GST & Postage (Minimum Rs 50 /-) | ||
| (B) (3)(b) IBC Commission (cheques) | |||
| (i) Upto Rs. 5000/- | Rs. 25 + GST and Postage | ||
| (i) Above Rs. 5000/- | Rs. 3.50 Per Thousand + GST(Minimum Rs 25/-) + Postage | ||
| (B) (4)OBC (Bills Collection Charges) | As per (B) (3) (a) IBC (Bills) Commission | ||
| (B) (5)IBC Return | As per IBC Commission | ||
| (C) | Savings/Current Deposit a/c Charges :- | ||
| 1 | 1.Cheque Book Charge(Saving Bank A/c) :- | ||
| (i) First 30 cheque leaves (per year) | Free | ||
| (ii) Next 31 to 60 cheque leaves in a year | Rs. 3/- Per Leaf+ GST | ||
| (iii) Above 60 cheque leaves in a year | Rs. 5/- Per Leaf+GST | ||
| 2.Cheque Book Charge( C.D./C.C./C.F. A/c) :- | Rs. 3/- Per Leaf+ GST | ||
| Concession : (i) A/c maintaining minimum Balance of Rs. 1.00 for CD A/C Minimum Balance of Rs. 50,000/- For SB A/C | 100% Concession | ||
| (ii) A/c maintaining minimum Balance of Rs. 50,000/- for C.D. a/c and minimum balance of Rs.25000/- for SB a/c | 50% Concession | ||
| (iii) for CC and CF a/c limit Rs.2500000/- and above | 100% Concession | ||
| 2 | Charge for not maintaining Minimum Balance in the account:- | ||
| (A) Minimum Balance required to be maintained: (Except inoperative a/cs) | |||
| (i) In SB A/c : With Cheque Book facility | Rs. 1000/- | ||
| Without Cheque Book facility | Rs. 200/- | ||
| (ii) In CD A/c | Rs. 3000/- | ||
| (B) (i) Minimum Balance Charges in SB A/c with Cheque Book facility | NIL | ||
| (ii)Minimum balance Charge in S.B.A/c without cheque book facility | NIL | ||
| (iii) Charge in CD A/c | Rs. 300/- Per Month | ||
| 3 | Ledger Folio Charges:- | ||
| (A) On Current A/c, CC, CCF A/cs :- | |||
| (i) On First Computer Screen (Per Half Year ) 16 entries | Rs. 150/- + GST | ||
| (ii) On Next Computer Screen (Per Half Year ) 16 entries | Rs. 50/- Per Screen (Minimum 500/- )+GST | ||
| (ii) On Inoperative Accounts (Per Half Year ) | Rs. 150/- per half year+GST | ||
| (iii) CC limit up to Rs.200000/- | Rs.500/- per half year +GST | ||
| (iv) CC/CF limit up to and over 25.00 lacs regular and average use 60% of limit | 100 % free | ||
| (v) In CD a/c average balance of Rs.50000/- per month | 50% free | ||
| (vi) In CD a/c average balance of Rs.100000/- per month | 100% free | ||
| (vii) CCF a/c for personal use | 100% free | ||
| (viii) CCF a/c for commercial use | 50% charge of CC limit | ||
| 4 | Cheque/ECS Return Charge (In SB, CD, CC, CCF A/c) Inward | ||
| “(i)With The Reason “Funds Insufficient” | Rs. 3/- Per Thousand (Min.Rs.500/-) MAX Rs.5000/- +GST | ||
| (ii)With Any Other Reason Not Attributable To Bank (JNSB) | Rs. 3/- Per Thousand (Min.Rs.200/-) MAX Rs.5000/- +GST | ||
| 5 | (i)Cheque return charge in outward Clearing (fund insufficent/refer to drawer) | Rs 200 /- per cheque + GST | |
| (ii)Cheque return charge in outward Clearing (fund insufficent/refer to drawer) | Rs 100 /- per cheque + GST | ||
| (i)Cheque return charge in outward Clearing ( EMI cheque / ECS) | Rs. 3/- Per Thousand (Min. Rs.500/-) +GST | ||
| 6 | Cheque Stop Payment Charges (application to branch and from mobile application too) | ||
| (i) On SB A/c | Rs. 150/- Per Cheque+CST | ||
| (ii) On CD, CC, CCF A/c | Rs. 200/- Per Cheque+GST | ||
| 7 | Cash Handling Charges:- | ||
| (i) On SB A/c | No Charge | ||
| (ii) on CD, CC, CCF A/c (Cash deposit up to Rs.20.00 lacs home and non home branch) | No charge | ||
| (iii) Above Rs. 20.00 Lacs In A Month ( home and non home branch) | 0.15% + GST | ||
| (iv) Cash deposit over Rs.2.00 lacs per day at NON home branch(Other then staff and retired staff ) | 0.10% + GST (0.15% + GST extra if total deposit over Rs.20.00 lacs per month) | ||
| (v) Current account maintain average Rs.1.00 lac per month) | 100% free | ||
| (vi) CC/CF limit up to and over 25.00 lacs regular and average use 60% of limit | 100% free | ||
| 8 | Charge On Closing Of A/c Prior To Completion Of One Year Of Opening :- | ||
| (i) On SB A/c | Rs. 200/-+ GST | ||
| (ii) On RD A/c | Rs. 100/- +GST | ||
| (iii) On CD A/c | Rs. 500/- +GST | ||
| (Where A/c is CLOSED on A/c of DEATH of A/c holder) | No charge | ||
| 9 | Charge For Loss Of Cheque Book :- (Lost) | ||
| (i) S.B. A/c Cheque Book (20 Leaf)(Lost) | Rs.300/- Per Cheque Book Of 15L + GST | ||
| (ii) CD/CC/CCF A/c Cheque Book (25Leaf)(Lost) | Rs. 750/- per cheque book of 30L + GST | ||
| 10 | Duplicate Pass Book Issue/Statement of A/c : | ||
| (i) Statement of Account (one time free in CD/CC/CCF A/c) | Rs. 100/- Per Page+GST | ||
| (ii) Duplicate Pass Book With Latest Balance | Rs. 100/- + GST | ||
| (iii) Duplicate statement With up to 1 Year Transaction | Rs. 50/- Per Page +GST | ||
| (iv) Duplicate statement With More Than 1 Year Old Transaction | Rs. 100/- Per Page + GST | ||
| 11 | Charge For Adding/Deleting Name In The Title Of The Account :- | ||
| (i) In Accounts With Personal Name | NIL | ||
| (ii) In Other Accounts | NIL | ||
| 12 | For Allowing Operation In The Account Through Power Of Attorney :- | ||
| (i) In CD/CC/CCF A/c | Rs. 500/- (Per Year) + GST | ||
| 13 | For Modifying Specimen Signature In The Account:- | ||
| in All Types Of Accounts | Rs. 250/- + GST | ||
| 14 | For Registering Standing Instruction :- | ||
| (i) On Registration Of S.I. | Rs. 100/-+ GST | ||
| 15 | Permission for operating Inoperative account | No charge | |
| 16 | For Issueing Duplicate Certificate Of Interest & T.D.S. on Deposit A/c :- | ||
| (i) Duplicate certificate (First certificate Free) | Rs. 100/- + GST | ||
| 17 | For Issueing Certificate of Balance :- | ||
| In Deposit Account (first certificate free) | Rs. 100/- + GST | ||
| 18 | For Giving Photocopy Of Paid Instrument (Cheque/Draft ETC..) | ||
| (i) Within One Month | Rs. 100/- + GST | ||
| (ii) Otherwise | Rs. 200/- + GST | ||
| 19 | For Allowing Change Of Nominee In Deposit A/c | ||
| (i) On Nominee’s Death | No charge | ||
| (ii) Otherwise | No charge | ||
| 20 | For Delayed Deposit Of Instalment :- | ||
| In RD A/c | Rs. 2.00 Per 100/- Per Month. | ||
| 21 | Verifying customer’s signature :- | ||
| (i) For Use By JNSB Branches | No Charge | ||
| (ii) Use For Other then JNS Bank ( every time) | Rs. 200/- + GST | ||
| 22 | (i)MMS Outward charge ( at time of registration) (no charge for staff and retired staff ) | Rs.100/- + GST | |
| (ii)MMS Inward charge ( at time of registration) (no charge for staff and retired staff ) | Rs.200/- + GST | ||
| 23 | Attesting Customer’s Photo :- | ||
| (i) For Use By JNSB Branches | No Charge | ||
| (ii) Use For Other then JNS Bank ( every time) | Rs. 300/- +GST | ||
| 24 | Charges for using SB A/c for multiple transaction (as like current a/c) :- | First 25 debit transaction free every year, thereafter Rs 30/- + GST per every debit transcation | |
| (D) | Charges on Safe Deposit Lockers:- | ||
| (D-1)Locker RentalsFor Jodhpur CentreFor Pipar & Phalodi (per year) | |||
| (i) Small Locker | For Jodhpur-Rs.1200,For Pipar/Phalodi-Rs.1000+GST Extra | ||
| (ii) Medium Locker | For Jodhpur-Rs.2500,For Pipar/Phalodi-Rs.2000+GST Extra | ||
| (iii) Large Locker | For Jodhpur-Rs.5000,For Pipar/Phalodi-Rs.4000+GST Extra | ||
| (D-2)Penalty for delayed deposit of Locker Rental :- | |||
| (i) Small Locker | Rs. 75/- Per month of delay+GST | ||
| (ii) Medium Locker | Rs. 100/- Per month of delay+ GST | ||
| (iii) Large Locker | Rs. 150/- Per month of delay+GST | ||
| (D-3)Charges For Locker Break Open (Due To Customer’s Fault) | |||
| Due to Customer’s Fault | Rs. 2000/- + GST + Actual Exp. Payable To Service Provider Company. | ||
| (D-4)Addition of name as the locker hirers | Rs. 500/- Per instance+GST | ||
| (D-5)For Change In Nominee’s Name :- | |||
| (i) Due to death of nominee | No charge | ||
| (ii) Otherwise | No charge | ||
| (E) | Loan & Advances accounts:- | ||
| 1 | Charge for Loan application form | Rs. 100/- + GST per form | |
| 2 | Processing fee : | Rs. 500/-+ GST | |
| a(i) At The Time Of Depositing Loan Application | |||
| b(i) At The Time Of Disbursement Of Loans/CC (Up to Rs.2.00 lacs) | 0.60% (Minimum Rs.1000/-) + GST | ||
| (ii) For Loans/CC above Rs. 2.00 lacs | 0.60% (Minimum Rs.1000/- and maximum for house loan Rs.20000/- and maximum Rs.25000 for others loans and advances) + GST | ||
| (iii) For renewal of CC limit | 0.40% (Minimum Rs.500/-and maximum Rs.20000/- ) + GST | ||
| (iv) for all type of staff loan | no charge | ||
| c. Loan and advance Take over /switch over in other bank | 1.00% of loan amount (minimum Rs.5000/- ) + GST | ||
| (Note: Processing Fee of Rs.500/- Deposited With Application Form Will be Adjusted At The Time Of Release of Loan) | |||
| 3 | For Allowing Any Change In The Terms Of Loan/advances Sanction :- | ||
| (i) At The Time Of Applying For Such Change | Rs. 500/- + GST | ||
| 4 | On Giving Notice u/s 138 For Cheque/ECS Returned Unpaid In Loan Account :- | Rs.1000/-+GST + postage charge+advocate charge Rs.300/- (Rs.50/- for second copy) | |
| 5. | Inspection charges in C/C a/cs :- | ||
| (i) Limit upto Rs.2.00 lacs | Rs. 750/- annually + GST | ||
| (ii) Limit above Rs. 2.00 lacs to Rs. 25.00 lacs | Rs. 1250/- annually + GST | ||
| (iii) Limit above Rs. 25.00 lacs and up to Rs.50.00 lacs | Rs. 2000/- annually + GST | ||
| (iv) Limit above Rs.50.00 lacs | Rs.2500/- annually +GST | ||
| 6 | On Issuing No-Dues Certificate:- | ||
| (i) First time | No charge | ||
| (ii)Second time | Rs. 50/- + GST | ||
| 7 | For issuing certificate of Loan a/c being regular :- | Rs.200/- per loan a/c + GST | |
| 8 | Bank Guarantee charge:- | ||
| (i) upto Rs. 10000/- | 500/- + GST | ||
| (ii) Above Rs. 10000/- | Rs.3/- per thousand +GST (minimum Rs.500/- + GST) | ||
| 9 | “For issuing “”Hypothecation Plate””” | ||
| (i) First plate | Rs. 25/- +GST | ||
| (ii) Issue secound Plate | Rs. 100/- + GST | ||
| 10 | Loan / advance Documentation charges ( in addition to stamp duty applicable as per act) | ||
| 1. House loan (Res.) | Rs.500/- + GST | ||
| 2. House loan (Comm.) | Rs.1000/- + GST | ||
| 3. Mortgate Loan/ Mortgage CC | Rs.100/- per lac (Rs.1000/- minimum and maximum Rs.5000/-) | ||
| 4. Personal Loan | Rs.200/- + GST | ||
| 5. Vehicle Loan | Rs.200/- + GST (for two wheeler ) Rs.500/- + GST ( for others) | ||
| 6. Other Loans | Rs.100/- per lac (Rs.500/- minimum and maximum Rs.2500/-) + GST | ||
| 11 | Inspection charge for Term loans | ||
| 1. Up to Rs.10.00 lacs | Rs.500/- + GST | ||
| 2. Above Rs.10.00 lacs | Rs.750/- + GST | ||
| (F) | Other Charges:- | ||
| 1 | Postal Charge | ||
| (i) Ordinary Post | Rs. 10/- GST | ||
| (ii) Regd./Speed Post | Rs. 40/- + GST | ||
| (iii) V.P.L. Charges | Actual V.P.L. Charges + Postage | ||
| (iv) Npa / overdue notice to loanee | Rs.100/- + GST | ||
| (v) Npa / overdue notice to Gurantor | Rs.50/- + GST | ||
| 2 | Collection of Other Bank’s FDR | ||
| (i) If proceeds are deposited with the Bank (in FD A/c) | No charge | ||
| (ii) Otherwise | O.B.C. Charges | ||
| 3 | ATM and POS charges | ||
| 1. ATM card charges | No charge for first time after expire the card given 200+GST | ||
| 2.ATM annual charges ( free for all staff/ret.staff) | Rs.150/- + GST | ||
| 3.Additional card cost | Rs.150/- + GST | ||
| 4.Card replacement fee | Rs.200/- + GST | ||
| 5.ATM free transaction (Monthly) | 5 or as per RBI guidelines | ||
| 6.Atm charges from 6th Txn onwards ,For Financial (cash withdrawal by ATM) charges | Rs.21/- + GST after free transaction | ||
| 7.NON financial charger ( using ATM on ATM machine | Rs.13/- +GST after free transaction | ||
| 8.Daily ATM cash withdrawal limit | Rs.40000/-per day (Rs.10000*4) | ||
| 9.Daily purchase limit | Rs.150000/-per day (E Com transaction Rs.100000/- or POS Rs.50000/-) | ||
| 10.PIN replacement charge | Rs.50/- + GST per PIN | ||
| 11.POS Machine charges | |||
| (i) MPOS | Rs.400/- per month NPCI actual charges + GST | ||
| ii | |||
| (ii) PSTN | Rs.300/- per month NPCI actual charges + GST | ||
| (iii) GPRS | Rs.700/- per month NPCI actual charges + GST | ||
| (iv)One time installation charges | Rs.1000/-+GST | ||
| (v)In CD account minimum balance Rs.50000/- Monthly | free | ||
| (vi) If regular CC/CCF above Rs.25.00 lacs and availement minimum 50% of limit per month | free | ||
| 4 | SMS CHARGES | Per SMS charges 0.25+GST (on actual usage basis) | |
| (CR/CC/CF/SB) | Maximum Rs.20+gst on quarterly basis | ||