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The Sutex Co-operative Bank Ltd.
Service Charges ( From Dt .01/01/2026)
Sr. No. Charges        Frequency   Charges in Rs.  GST 18%  Total Rs. 
1 Ecs Return Charges  **       Per Transaction            350           63              413
                 
2 Inward Clg Return Charges  Chq Amt Below Rs.1.00 crore       Per Cheque            350           63              413
     Chq Amt Rs.1.00 crore and above per account         0.05% of Chq.Amt.+ GST 
3 Outward Clg. Return Charges  **       Per Cheque              30             5                35
                 
4 Stop Payment Charges        Per Cheque            200           36              236
                 
5 Minimum Balance Charges  (Current Accounts)       Per Transaction Day   Nil 
     (Savings Accounts)         Nil 
6 Token Lost penalty        As and when             500           90              590
                 
7 Membership Application Fee        Per Application              10            -                  10
                 
8 Nominal Membership Fee        Per Application              20            -                  20
                 
9 Chequebook Charges      Per Cheque Leaf                 3            -                    3
                 
10 Obc Return Charges        Per Transaction   Nil 
           
11 NEFT          Nil 
           
12 RTGS         
           
13 Duplicate A/C Statement/Passbook Chg        Per Stat/Passbook            200           36              236
                 
14 Sign Verification Charges        Per Transaction            200           36              236
                 
15 Solvancy Issue Commision  Upto Rs.5.00 lakhs               1,000          180            1,180
    Above Rs.5.00 lakhs and upto Rs.25.00 Lakhs              3,000          540            3,540
    Above Rs.25.00 lakhs and upto Rs.50.00 Lakhs              5,000          900            5,900
    Above Rs.50.00 lakhs and upto Rs.100.00 Lakhs            10,000       1,800          11,800
    Above Rs.1.00 Crore        10,000 per crore 
              Maximum 50,000 
16 ECS Mandate Charge                   250           45              295
                 
                 
17 Share Transfer Fee (Shtrf)        Per Share              10            -                  10
           Maximum            200            -                200
18 Loan Account Folio Charges          Nil 
19 Current / Limit Account Folio Charges      Minimum   Quarterly              90       16.20              106
  (Folio is = 30 Transaction) Per Extra Transaction    Rural branches max Rs.90 per quarter                 3         0.54                  4
20 OBC/IBC Collection Charges          Nil 
21 OBC Postage Charges        Postage Charges As applicable 
22 Loan Processing Charges*        Per Application        
  *Nil on Priority Sector Loans upto Rs.50,000/-                                           1  To             1,00,000             500           90              590
                               1,00,001              5,00,000          1,000          180            1,180
                                 5,00,001           10,00,000          2,500          450            2,950
                              10,00,001           25,00,000          4,000          720            4,720
                              25,00,001           40,00,000    0.25% of sanctioned amt. 
                              40,00,001        1,00,00,000    0.30% of sanctioned amt. 
     Above 100.00 Lacs Sanc. Amt.     0.50% of sanctioned amt. 
  CC / MCC / ODPROP Renewal Charges  Upto 50.00 Lacs Sanc. Amt.   (of Sanctioned Amt.)  0.10%    
   Above 50.00 Lacs Sanc. Amt.  0.15%    
  Gold Loan Processing charges (From 01/09/2023)  50% discount on above stated applicable charges.       
  W.E.F. : 01/08/2021:      
  For Drop-down limits : Charges shall be applied on actual limit prevailing (reduced) on the date of renew / review.      
  For Multiple Loans of same applicant : Charges shall be applicable as per the slab of aggregate sanctioned amount.       
  For Limit Enhancement : Prorata charges applicable from the date of last renewal to new renewal.      
23 D.D. Cancellation Charge          Nil 
24 Cheque Book Cancellation Charge        Per Leaf              25         4.50                30
25 Rupay ATM Debit Card Charges        Card Issuance             100           18              118
           Annual Fee              50             9                59
           Platinum Card            200           36              236
           Pl.Card Annual Fee            100           18              118
           Duplicate Card            250           45              295
         Per Transaction (Financial)              23         4.14                27
         Per Transaction (Non Financial)              23         4.14                27
         PIN regeneration charge              50             9                59
   Free Transactions at Sutex Bank ATM : 5 transactions (including non-financial transactions) per month.     
   Free Transactions at Other Bank ATM : 3 transactions in metro and 5 transactions in non-metro (including non-financial transactions) per month.     
26 L/C Commission      Double of the amount payable by our bank to service provider commercial bank + GST     
  TT Comm.        
           
27 LC - TT - Non submission of Bill of Entry      150% of the amount charged by the service provider commercial bank + GST      
           
28 Bank Guarantee Commission (issuance / renewal)      1.50% of Guarantee Amount per year (One time charge in advance) + GST     
  Minimum charge Rs.3000 and Rs.2000 for issuance and renewal resp.        
  Bank Guarantee Cancellation charges      As applied by sponsor bank.     
29 TUF Subsidy Charges      1% of subsidy amount (One time charge on realisation) +GST     
           
30 Quotation change charge  Amt. of Loan upto Rs.5.00 Lacs              500           90              590
     Amt. of Loan above Rs.5.00 Lacs           2,000          360            2,360
31-A Loan / Limit Switch Over Charges (Applicable to Loans / Limit sanctioned / renewed before 01/01/2026 of Corporate Customers only)  
Term Loan Switch Over to other Bank / Financial Institute after 3 years  2% of Outstanding Amt. + GST 
CC / OD / Any Other Limit Switch Over to other Bank / Financial Institute after 3 years  2% of Sanctioned Limit + GST 
Term Loan Switch Over to other Bank / Financial Institute before 3 years  3.50% of Outstanding Amt. + GST 
CC / OD / Any Other Limit Switch Over to other Bank / Financial Institute before  3 years  3.50% of Sanctioned Limit + GST 
31-B Loan / Limit Switch Over Charges for sanction / renewal on or after 01/01/2026               (Applicable : borower-wise and NOT facility-wise)  
Individual Consumption Loans  Nil 
Income Generating Loans of Individuals upto sanctioned limit of Rs.50 lakhs  Nil 
Micro and Small Enterprises Loans (on the date of switchover) upto sanctioned limit of Rs.50 lakhs  Nil 
Term Loan Switch Over to other Bank / Financial Institute after 3 years  2% of Outstanding Amt. + GST 
CC / OD / Any Other Limit Switch Over to other Bank / Financial Institute after 3 years  2% of Sanctioned Limit + GST 
Term Loan Switch Over to other Bank / Financial Institute before 3 years  3.50% of Outstanding Amt. + GST 
CC / OD / Any Other Limit Switch Over to other Bank / Financial Institute before  3 years.  3.50% of Sanctioned Limit + GST 
32 Immovable Property / Collateral Security Change in Term Loan / OD / CC Limit        5,000            900               5,900
33 Guarantor / Partner / Director Change in Term Loan / OD / CC Limit (Not Applicable if death)        1,000            180               1,180
34 Cash Deposit Charges During the Previous Month Maintain Average Balance Condition to do Mothly Cash Deposit Charges
Type of Account
Saving Rs.1,000/- Upto Rs. 5.00 Lakhs Nil
Above Rs. 5.00 Lakhs Rs. 50/- Per Lakh + GST
Current   Rs.5,000/- Upto Rs. 5.00 Lakhs Nil
Above Rs. 5.00 Lakhs Rs. 50/- Per Lakh + GST
Current   Rs.1,00,000/- Upto Rs. 10.00 Lakhs Nil
Above Rs. 10.00 Lakhs Rs. 50/- Per Lakh + GST
Current   Rs.2,00,000/- Upto Rs. 20.00 Lakhs Nil
Above Rs.20.00 Lakhs Rs. 50/- Per Lakh + GST
Current   Rs.3,00,000/- Upto Rs. 30.00 Lakhs Nil
Above Rs.30.00 Lakhs Rs. 50/- Per Lakh + GST
Current   Rs.4,00,000/- Upto Rs. 40.00 Lakhs Nil
Above Rs.40.00 Lakhs Rs. 50/- Per Lakh + GST
Current   Rs.5,00,000/- Upto Rs. 50.00 Lakhs Nil
Above Rs.50.00 Lakhs Rs. 50/- Per Lakh + GST
Current   Rs.10,00,000/- Upto Rs. 100.00 Lakhs Nil
Above Rs.100.00 Lakhs Rs. 50/- Per Lakh + GST
Overdraft / CC -- Upto Rs. 25.00 Lakhs Nil
Above Rs. 25.00 Lakhs Rs. 50/- Per Lakh + GST
35 Commitment charges on unavailed portion of OD / CC Limits. (If limit usage less than 65% of sanc.limit) 1% of unavailed limit + GST
36 Penal Charges of overdue term loans   2% of overdue amt. + GST
37 Penal Charges of overdue / excess CC / OD limits   8% of excess amt. + GST
38 Certificate issue charges                     50             9                59
Approved in B.O.D. Meeting dated 16/12/2025.