Rs.200/- + GST per Month. For each month of quarter.
Rs.500/- + GST per Month. For each month of quarter.
5
Auto Sweep Facility
Yes
Yes
6.a
Minimum Balance to avail Auto Sweep Facility & amount of tranches
Minimum balance Rs.50,000/- for availing Auto Sweep Facility, Auto sweep In tranches of Rs. 25,000/-
Minimum balance Rs 100,000/- for availing auto sweep facility. Auto sweep in the tranches of Rs.50,000/-
6.b
Pre-mature Penalty
NIL
Nil
6.c
FFD (Sweep-in & Sweep-out facility in multiple of Rs.25,000/-)
Tenure: Maximum 12 Months. FFD will get effected at 2nd of every Month by default for period of 7 days to 360 days.
Tenure: Maximum 12 Months. FFD will get effected at 2nd of every Month by default for period of 7 days to 360 days.
7
Personal Accidental Insurance coverage (Accidental Death)
5 Lakhs 1. Personal Accident Insurance coverage for only one person per account and the name has to be specified by the account holder. 2. Eligibility will start after successful compliance of scheme criteria for 3 Months. If QAB Rs.50,000/- is not maintained PAIS will not be renewed for next year.
10 Lakhs 1. Personal Accident Insurance coverage for only one person per account and the name has to be specified by the account holder. 2. Eligibility will start after successful compliance of scheme criteria for 3 Months. If QAB Rs.1,00,000/- is not maintained PAIS will not be renewed for next year
7.a
Account Maintenance/Ledger Folio Charges
Free
Free
8
Cheque Book
50 Leaves Free per Month
100 Leaves Free per Month
9
NEFT/RTGS
Free up to Rs.10 lakhs per day through NET Banking & Mobile Banking. In Branch: Waiver of 50% of applicable charges
Free up to Rs.20 lakhs per day through NET Banking & mobile banking. In Branch: Waiver of 50% of applicable charges
10
IMPS/Per Day
Free up to Rs.2 lakh per day
Free up to Rs.2 lakh per day
11
PO/DD/TT/MT
25% Concession
100% Concession
12
Debit Card (Rupay Platinum (Personalized)
Issuance Free,
Issuance Free,
13
Waiver In Processing Charges Of Retail Loans (Home Loan & Car Loan)
100 % Concession
100 % Concession
14
Sound box
Installation Charges: Plan(A) :One time Rs.1,500/- for one time Installation with ownership &
Plan(B) : Rs.500/- ownership with Bank.
under plan (A) rent will start after 3 months.
Plan B waiver: Rs.500/- + GST.
Monthly Rental: Fully waived for 6 months. Thereafter applicable charges.
Plan B waiver : Rs.500/- + GST.
Monthly rental: Fully waived
(If customer does not avail any POS facility, then 3 Merchant QR with sound boxes will be offered free of cost along with waiver in monthly rental.)
15
QR Code.
Free Installation as well as monthly rental.
Free Installation as well as monthly rental.
16
Online Tax Payment Facility
Free
Free
17
E-Banking/M-Banking
Free
Free
18
SMS Charges
Free
Free
19
Standing Instruction Registration charges
Free
Free
20
Statement of Account
Monthly once Free (Physical statement). (Plus Monthly Free Mailed Statement)
Applicable Charges Rs.174/- + GST per 40 entries per request
Applicable Charges Rs.174/- + GST per 40 entries per request
22
Stop payment charges
Free
Free
23
Balance Certificate
Free
Free
24
Signature verification
Free
Free
25
Photo attestation
Free
Free
26
Locker Rent (Small size locker)
25% concession on 1st year rent
50% concession on 1st year rent
27
Demat Account
Demat Account Maintenance Charges for first year FREE.
Demat Account Maintenance Charges for first year FREE.
28
POS machine installation charges and Monthly rental @600/- per month
Installation : Free Monthly Rental ; 50% waived i.e. Rs.300/- per month. Fully waived if QAB is maintained above Rs.1 Lakh.
1st POS completely free and it will be fully waived for 2nd POS, if QAB is maintained above Rs.2 Lakh.
29
Immediate Credit of Outstation Cheques
Up to Rs.25,000/-
Up to Rs.25,000/-
30
Cheque Collection i. At Same Center ii. Outstation Cheque Collection Charges
i. Free ii. a) Up to Rs.5,000/- Rs.25/- + GST b) Above Rs.5000/- up to 10,000/- Rs. 50/- + GST c) Above Rs.10,000 up to Rs. 1 lakh Rs.100 +GST d) Above Rs. 1.00 lakh Rs.178 + GST
i. Free ii. a) Up to Rs.5,000/- Rs.25/- + GST b) Above Rs.5000/- up to 10,000/- Rs. 50 + GST c) Above Rs.10,000 up to Rs. 1 lakh Rs.100 +GST d) Above Rs. 1.00 lakh Rs.178 + GST
31
Cash Deposit (Base Branch)
Free up to Rs.25 Lakhs per Month. Once the monthly limit is breached cash handling charges will be levied for transactions taking place beyond threshold during the month. >Rs.25 Lakhs: Rs.1/- + GST per 1000/- with a minimum of Rs.50/-
Free up to Rs.50 Lakhs per Month. Once the monthly limit is breached cash handling charges will be levied for transactions taking place beyond threshold during the month. >Rs.50 Lakhs: Rs.1/- + GST per 1000/- with a minimum of Rs.50/-
32
Cash deposit at Non-home branch
Free up to Rs.1,00,000/- per day, Above Rs.1,00,000/- >Rs.1,00,000/- Rs.1.5/- + GST per 1000/- with a minimum of Rs.50/-
Free up to Rs.1,00,000/- per day, Above Rs.1,00,000/- >Rs.1,00,000/- Rs.1.5/- + GST per 1000/- with a minimum of Rs.50/-
33
Cash Withdrawal i. At Local non-base branch ii. At Outstation Non-base branch
Up to Rs.50,000/- Free per day.
Up to Rs.50,000/- Free per day.
34
Door Step Facility/ Pick up facility.
Banking services: Charges as applicable Agency Charges: As applicable
Banking services: Free Agency Charges: As applicable.
35
Cash Pick Up Facility
Will be finalized after implementation in our Bank.
Will be finalized after implementation in our Bank.
36
Option for Additional base Branch
No
Yes
37
Transfer of account to other branch
Free
Free
38
If the default occur for any 2 consecutive quarters in a financial year
Account will be downgraded to UCO Basic Current Account Scheme (i.e. no concession in charges) for a period of 2 quarters, and will be upgraded to UCO Business after one quarter of maintaining QAB.
Account will be downgraded to UCO Basic Current Account Scheme (i.e. no concession in charges) for a period of 2 quarters, and will be upgraded to UCO Business after one quarter of maintaining QAB.
39
Charge for closure of account within 12 months.
Charge for closure of account within 12 Months • Individual : Rs 750/- + GST (as applicable) • Others : Rs. 1000/- + GST
Charge for closure of account within 12 Months • Individual : Rs 750/- + GST (as applicable) • Others : Rs. 1000/- + GST (as applicable)
Charges for non-maintenance of minimum monthly average balance
Rs 1000 + GST (as applicable)
14
If the above default occurs for any 2 months in a half year
Account will be downgraded to UCO Basic Account Scheme (i.e. no concession in charges) for a period of 4 qt and will be upgraded to UCO CARE PLUS after one quarter of maintaining MAB
15
Charge for closure of Account. within 12 months
Rs 1000 + GST (as applicable)
16
IMPS
Free one transaction per day
17
POS Monthly rent
Free for 2 POS Machines
18
Locker Rent (Small Size only)
As per applicable charges
19
Cash Deposit
As per applicable charges
20
Merchant QR Code
Free Installation as well as monthly rental.
21
Sound Box
Free Installation under Plan B as well as free monthly rental for 1 sound box. If customer avail One POS facility then 2 additional Merchant QR with sound boxes will be offered free of cost along with waiver in monthly rental. If customer does not avail any POS facility then 6 additional Merchant QR with sound boxes will be offered free of cost along with waiver in monthly rental.
Non base branch - Inter Sol charges on such transactions.
12
Stop Payment Charges
As per applicable charges
13
Charges for non-maintenance of minimum monthly average balance
Rs. 500/- per quarter.
14
If the above default occurs for any 2 months in a half year
NA
15
Charge for closure of Account within 12 months
For Firms and Companies Rs. 500/- For Others Rs. 250/-
16
IMPS
As per applicable charges
17
POS Monthly rent
As per applicable charges
18
Sound Box
MAB Rs. 10,000/- & above : Installation Charges under Plan A & B: Charges as applicable. Monthly Rental: Fully waived for 1 months. Thereafter applicable charges. MAB Rs. 25,000/- & above : Installation Charges under Plan A & B: Charges as applicable. Monthly Rental: Fully waived for 3 months. Thereafter applicable charges.
19
QR Code
MAB 10,000/- & above, Installation free and monthly rental waived for 3 month. Thereafter charges will be applicable. MAB 25,000/- & above, Installation free and monthly rental waived for 6 month. Thereafter charges will be applicable.
20
Locker Rent (Small Size only)
As per applicable charges
21
Cash Deposit base branch
Up to Rs. 2 Lakh or 10 packets free per day. Thereafter Re. 1/- + GST per Rs.1000/- (Min. Rs.50/- +GST Max. Rs. 12000/- + GST)
22
Cash Deposit Non-base branch
Up to Rs. 1 Lakh or 10 packets free per day. Thereafter Rs. 1.5/- +GST per Rs.1000/- (Min. Rs.50/- +GST Max. Rs. 12000/- + GST)
Minimum Balances to open Account & Minimum Average Monthly Balances to be maintained in the account.
Rs. 10000/- at Metro / Urban Centre. Rs. 5000/- at Semi-Urban Centre. Rs. 2500/- at Rural Centre.
2
Cheque Book
50 Cheque leaves free per Half-Year. Thereafter, Rs. 3/- per Cheque leaf.
3
PO/DD/TT/MT
FREE: Upto Rs. 10000/- per day. Above Rs. 10000/-: 25% discount on applicable Charges.
4
NEFT/RTGS
NEFT: FREE RTGS : 50% of applicable charges
6
Ledger Folio Charges
FREE
7
Standing Instructions
FREE within same branch only. Rs. 50/- for other branches per occasion.
8
Balance Certificate
FREE
9
Statement of Account
Monthly once Free. Thereafter, Rs. 174/- per request.
10
Cheque Collection (i)At Same Centre (ii)Inter Sol Charges
At same centre- Collection of local cheque by any CBS branch at the same centre where base branch is located - FREE FREE - Inter Sol charges on such transactions.
At Other Centre - 50% Outstation cheque collection charges will be levied.
12
Stop Payment Charges
Rs. 50/- per instrument, Maximum Rs. 500/- per lot.
13
Charges for non-maintenance of minimum monthly average balance
Rs. 500/- per quarter. Wherever, Overdraft facility against liquid collateral/s is sanctioned and availed, in such cases charges for non-maintenance of monthly balance charges shall be completely waived off.
14
If the above default occurs for any 2 months in a half year
Account will be downgraded to ‘UCO Basic Current Account Scheme’ (i.e. no concessional charges) for a period of 6 months and will be upgraded thereafter on request with maintenance of minimum average balance.
15
Charge for closure of Account. within 12 months
For Firms and Companies Rs. 500/- For Others Rs. 250/- (Note - No Charges shall be levied in case of death of depositor and transfer of deceased Depositors Account to our other branch)
16
IMPS
As per applicable charges
17
POS Monthly rent
As per applicable charges
18
Sound Box
MAB Rs. 10,000/- & above : Installation Charges under Plan A & B: Charges as applicable. Monthly Rental: Fully waived for 1 months. Thereafter applicable charges. MAB Rs. 25,000/- & above : Installation Charges under Plan A & B: Charges as applicable. Monthly Rental: Fully waived for 3 months. Thereafter applicable charges.
19
QR Code
MAB 10,000/- & above, Installation free and monthly rental waived for 3 month. Thereafter charges will be applicable. MAB 25,000/- & above, Installation free and monthly rental waived for 6 month. Thereafter charges will be applicable.
20
Locker Rent (Small Size only)
As per applicable charges
21
Cash Deposit (Base Branch)
Up to Rs. 2 Lakh or 10 packets free per day. Thereafter Re. 1/- + GST per Rs.1000/- (Min. Rs.50/- +GST Max. Rs. 12000/- + GST)
22
Cash Deposit (Non-base branch)
Up to Rs. 1 Lakh or 10 packets free per day. Thereafter Rs. 1.5/- +GST per Rs.1000/- (Min. Rs.50/- +GST Max. Rs. 12000/- + GST)
The salient features of the Product “Jaya Lakshmi”
Sr.
Particulars
"Jaya Lakshmi" Current Account
1
Monthly Average Balance (MAB)
10,000/-
2
Eligibility
Individual women, Women sole proprietorship firms.
3
Initial Deposit
5,000/-
4
Non-maintaining of MAB
Rs.200/- per month
5
Auto Sweep Facility
NA
6
Minimum Balance to avail Auto Sweep Facility & amount of tranches
NA
7
If the default occur for any 2 consecutives quarters in a financial year
Account will be downgraded to UCO Basic Current Account Scheme (i.e. no concession in charges) for a period of 2 quarters.
8
Personalized Cheque leaves
First 50 Cheque leaves free. Subsequent charges applicable.
9
NEFT/RTGS
Free up to Rs.5 lakhs per day through NET Banking & Mobile Banking. In Branch: Applicable charges.
10
IMPS/Per Day
Free up to Rs.1 lakh per day.
11
Charges for DD/PO
Charges Applicable.
12
Debit Card
Yes, (Rupay Platinum personalized Card) Issuance/Re-issuance after expiry of card Free, AMC as applicable.
13
Personal Accidental Insurance coverage
5 Lakhs Personal Accident Insurance coverage for only one person per account and the only in the name of women beneficiary(Rs.2 Lakhs additional by NPCI for Ru Pay Platinum Card)
14
Sound box Installation Charges: Plan(A) : Rs.1,500/- for one time Installation with ownership Under plan A rent will start after 3 months. Plan (B) : Rs.500/- ownership with Bank. Monthly Rental Rs.105/- per Month and
Installation : Free under Plan B Monthly rental @Rs.105/- + GST Charges applicable. Monthly Rental: 100% waiver of monthly rental for first 3 months. only. (If MAB Rs.50,000/- maintained 1 sound box free, if MAB Rs.1 Lakh maintained 3 Sound box free)
15
Bank QR & Merchant QR Code
Free
16
POS Machine installation charges. (Monthly Rental Rs.600/- per Month)
Installation : Free Monthly rental: Applicable charges (Monthly rental 50% waived if MAB maintained of Rs.50,000/-, Fully waived if MAB is maintained above Rs.1 Lakh.)
17
Corporate Internet Banking
Free
18
Corporate Mobile Banking
Free
19
SMS Alerts
Free
20
Standing Instruction/NACH charges
Registration : Free Standing Instruction per transaction charges : As applicable. NACH Charges Credit & Debit per transaction: As applicable.
21
Account Keeping/Ledger Folio Charges
Free
22
Online Tax Payment Facility
Free
23
Transfer of account to other branch
Free
24
Stop Payment charges
Applicable Charges
25
Intersol transactions
Free
26
Overdraft Facility
NA
27
Monthly account statement
Physical Statement Monthly Once Free.
28
Duplicate Statement
Applicable Charges
29
Waiver In Processing Charges Of Retail Loans (Home Loan & Car Loan)
10% waiver in case there is no waiver in the parent scheme.
30
Wealth Management Services (DEMAT Account)
Applicable Charges
31
Cash Withdrawal at Base branch
Free
32
ATM Transaction
Allowed
33
Cash Withdrawal at Non-base branch
Cash withdrawal at non-base branches by self only with maximum amount of Rs.50,000/- per day per account is permissible.
34
Cash deposit (At Base Branch)
Up to Rs. 2 Lakh or 10 packets free per day. Thereafter Re. 1/- + GST per Rs.1000/- (Min. Rs.50/- +GST Max. Rs. 12000/- + GST)
35
Cash deposit at Non-base branch
Up to Rs. 1 Lakh or 10 packets free per day. Thereafter Rs. 1.5/- +GST per Rs.1000/- (Min. Rs.50/- +GST Max. Rs. 12000/- + GST)
36
Locker Rent
10% Concession for First Year only (Only Small size locker)
