• JALGAON JANATA SAHAKARI BANK LTD., JALGAON
    (Scheduled Bank)

 

Charges & fees

Pinal Charges 

 

 

Sr.

Particulars

Charges

Applicable To

1

Delay Payment Charges

In the event of the borrower failing to pay by respective due dates any amount of Principal and / or Interest thereon, the penal charges shall be levied @2% p.a. on overdue amount during the period of the default till the date of regularize of term loan account.

(Exemption– Loan sanctioned up to Rs. 25000/- to all type of loans and Antyodaya, Swayamsiddha, Vishwakarma & SHG  Loan schemes)

For Personal Type Loans and Business Loans

 

2

Over Drawn and Non-compliance charges

Non-compliance of any condition listed below shall attract 2% p.a. penal charges for each condition.

In case of delay in the renewal of the CC/OD account @2% p.a. on outstanding amount of CC/OD account till the date of renewal.

 

In case of the excess drawl amount of CC /OD account, @2% p.a. on excess drawl. The penal charges will be levied till the period of regularization of the account.

 

HYPO CC/ ODAP LOANS

(For Business Purpose)

3

Agreement to Mortgage  (If applicable)

Additional Charges will be levied on the disbursed amount till compliance of the mortgage formalities as, Nil upto 30 day, and 2% after 30 days, from the date of completion of the 30 days period till the period of completion of mortgage formalities.

 

In case of property ownership is not with borrower the additional charges will be levied on the disbursed amount till compliance of the mortgage formalities as, Nil up to 90 days, 2% after 90 days from the date of completion of the 90 days period till the period of completion of mortgage formalities.

For Personal Type Loans and Business Loans

 

4

Minimum Interest

Minimum interest for the period of 150 days or other period as decided by the bank from time to time will be charged to ODAP Limit. Interest Rate will be applicable as per the sanctioned terms.

HYPO CC/ ODAP LOANS

(For Business Purpose)

 

SN Particular Charges Applicable To
1 Any Typ of Mandate Charges (Only Once) 60/- All Account
2 SMS Charges ( Quarterly Basis) 0.15 Paise Per SMS All Account
3 ATM Cards Annual/Renewal Charges Rs. 135/- All A/c
4 ATM Card Lost/Damaged/Forgot ATM Pin Rs. 120/- All A/c
5 ATM Transactions Charges-Onus Transactions(On JJSB ATM Machine) Free All A/C
6 ATM Transactions Charges-Issuer Transactions(On Other Bank ATM Machines) Free First Five Transactions within one month
7 ATM Transactions Charges-Issuer Transactions(On Other Bank ATM Machines) Rs. 8/- Balance Enquiry/Mini Statement after 5 free Transactions
8 ATM Transactions Charges-Issuer Transactions(On Other Bank ATM Machines) Rs. 20/- Per Withdrawal Transaction after 5 free transactions
9 RTGS CHARGES(RBI/2008-09/207 AND Bank cir no. 104/5484) Free RTGS Credit
10 RTGS CHARGES(RBI/2008-09/207 AND Bank cir no. 104/5484) Rs. 3/- Upto 10000/-
11 RTGS CHARGES(RBI/2008-09/207 AND Bank cir no. 104/5484) Rs. 6/- 10,000 to 1 lac
12 RTGS CHARGES(RBI/2008-09/207 AND Bank cir no. 104/5484) Rs. 17/- 1lac to 2lac
13 RTGS CHARGES(RBI/2008-09/207 AND Bank cir no. 104/5484) Rs. 30/- 2lac to 5lac
14 RTGS CHARGES(RBI/2008-09/207 AND Bank cir no. 104/5484) Rs. 55/- Above 5lac
15 Cheque Return Charges Rs. 240/- Inword Return per cheque(finance)
16 Cheque Return Charges Rs. 175/- Inword Return Per cheque
17 Cheque Return Charges Rs. 120/- Outword Return (Next Bank Charges+Postal Charges)
18 SMS Facility 0.25 paise/sms Minimum Rs. 15/- per quarter
19 Duplicate Passbook Rs. 65/- Deposite and Pigmy