Service Charges And Commissions

ISSUE OF STATEMENT OF ACCOUNT

Savings Bank A/c Rs.20/- per page
Current/Cash Credit A/c Rs.30/- per page

ISSUE OF DUPLICATE PASS BOOKS

Savings Bank A/c Rs.75/-
Current/Cash Credit A/c Rs.75/-

A/C CLOSURE CHARGES

SB

NIL If closed within 14 days or after 1 year of  opening.

Rs.200/- when closed after 14 days and within 1 year 

CA,CC,OD and its variants

NIL If closed within 14 days or after 1 year of opening

Rs.500/- when closed after 14 days and within 1 year 

CHEQUE BOOK ISSUE

Savings, Current and Cash Credit A/cs 2 Cheque Books free in a financial year
 Savings Rs 45/- per Cheque Book
Current and Cash Credit A/csRs 135/- per cheque Book

 STOP PAYMENT CHARGES

 
 SB Rs. 100/- per Instrument, maximum Rs 500/- per occasion
 CA/CC/OD Rs. 150/- per Instrument,maximum Rs 750/- per occasion

CHARGES FOR CHEQUES RETURNED UNPAID

 
Savings
Current/Cash-Credit
Loans
INWARD OUTWARD
Rs.100/- Rs.100/-
Rs.200/- Rs.200/-
Rs.200/- Rs.200/-

MINIMUM BALANCE AND NON MAINTAINCE CHARGES THEROF

  CURRENT
 


SB

CA
MRD minimum instalment
FD
Minimum Balance Penalty
Rs.100/- without cheque book
Rs.500/- with cheque book
NIL
 
Rs.1000/- NIL
Rs.200/- N.A.
Rs.1000/- N.A.

ECS DEBIT RETURNS

Savings Rs.100/-
Current/Cash-Credit Rs.200/-

Collection/Payment of Bills Received (IBC/OBC)

Upto Rs.1000/- Rs.10/-
Above Rs.1000/- upto Rs. 5,000/- Rs.25/-
Above Rs.5,000/- upto Rs.10,000/- Rs.50/-
Above Rs.10,000/- upto Rs.50,000/- Rs.150/-
Above Rs.50,000/- upto Rs 1Lakh Rs.200/-
 Above 1 Lakh upto Rs 5 Lakh
                                  Rs 300/-
 Above Rs 5 Lakh
                                  Rs 500/-

PAY ORDERS/ DEMAND DRAFTS Charges

Upto Rs.20,000/- Rs.50/-
Above Rs 20,000/-
 Rs 3/- per thousand, maximum Rs 25000/-
Revalidation of PO/DD
Rs 100/- per instrument
Cancellation of PO/DD
Rs 100/- per instrument
   

BILLS PURCHASED/DISCOUNTED

A) Local Clearing Cheques discounted

 

Re. 1/- per thousand or part thereof (Minimum Rs.10/-)

 

 

Rs. 5.50/- per thousand or part thereof (Minimum Rs. 10/-) plus collection charges (as per OBC)
and Postage incurred plus interest @ 13% beyond 10 days from the date of discount

B) Others

BANK GUARANTEE/LC

 

LC/BG ISSUED BY GOA URBAN

 LC/BG ISSUED BY CORRESPONDENT BANK

2% FOR 6 MONTHS or part thereof  Rs 1000/- + correspondent Bnak Charges at actuals
1% for 6 months or part there of if 100% secured by lien on FD with Goa Urban
 
Any incidental charges at actuals

 LOAN APPLICATION FORM

Rs .50/-

LOAN PROCESSING FEES

Upto Rs.50 Lakhs 0.5% of the loan amount, minimum Rs 100/-
Above Rs 50 Lakhs upto Rs 1 crore
R. 25,000/- for amount of Rs 50 Lakh + additional 0.25% for amount over and above 50 Lakh
 Loan above Rs 1 crore
 Rs 37,500/- for amt of Rs 1 Crore + additional 0.25% for amount over and above Rs 1 crore
 Loans against own deposits with GUCB
NIL
 Renewal of  Cash Credit facility 0.10% of sanctioned limit, minimum Rs 500/-, maximum Rs. 10,000/-
 Charge structure is applicable to all loans, including Gold Loans. Disbursement through NEFT/RTGS to be without any additional charges, however charges for DD/PO to be recovered, for disbursement through DD/PO, over and above Loan Processing charges.

LOAN ON GOLD(Disbursement charges)

Upto Rs. 1000/- Rs.30/-
Above Rs. 1000/- upto Rs.5000/- Rs. 40/-
Above Rs. 5001/- upto Rs.10000/- Rs.75/-
Above Rs. 10001/- upto Rs.25000/- Rs.100/-
Above Rs. 25001/- upto Rs.50000/- Rs.150/-
Above Rs. 50001/- upto Rs.1 lac Rs.250/-
Above Rs. 1lac upto Rs.2lacs Rs.350/-
Above Rs. 2lacs upto Rs.3lacs Rs.800/-
Above Rs. 3lacs upto Rs.10lacs Rs.1,600/-
Above Rs. 10lacs Rs.2,700/-
  

ISSUE OF SOLVENCY CERTIFICATE

Rs.500/- per lakh of part there of to a minimum of Rs 2,500/- and a maximum of Rs 25000/-
Additional copy Rs 1000/- per certificate
  

PRECLOSURE CHARGES FOR LOANS/CC 

 Rs.10,00,000/- & above
 @ 1% of the sanctioned loan/c.c. amount or os amount whichever is higher
 car/housing loans
 @ 0.5% of the sanctioned loan/c.c. amount or os amount whichever is higher
  NIL pre-closure charges for CC accounts closed after 10 years from the date of initial sanction.

 NO DUES CERTIFICATE

 
 Per Certificate
 Rs.100/-

 CERSAI RELATED CHARGES

 
 Charge Creation
 Rs.500/- per asset
 Charge Modification
 Rs.300/- per asset

RUPAY DEBIT CARD CHARGES

 Annual Fee(p.a)
 Rs 100/-
 Additional Card(p.a)
 Rs 150/-
 Rupay Debit Card at GUCB ATMs -Cash withdrawal,Balance Inquiry
 NIL
 Other bank ATMS
 
 3 transactions (financial & Non financial) per month- Metro 5 transactions (finacial & Non financial) per month Non Metro
 NIL
Cash withdrawl at Other ATMs
 Rs 20/-
 Balance Inquiry at Other ATMs
 Rs 8.50/-
 Card Replacement Fee Rs 100/-
 PIN Replacemnt fee :
 RS 50/-
 ATM Cash withdrawl Limit per day
 Rs 20000/-
 POS Limit
 
 Daily POS Limit Rs 30000/-

 SMS ALERT CHARGES

 
SB
 Rs. 10/- per quarter
 CA/CC/OD Rs. 25/- per quarter

 CHEQUE COLLECTION CHARGES

LOCAL NIL
 OUTSTATION 
 Upto Rs.10,000/-
 Rs 50/- + Courier charges
 Above Rs. 10,000/- & upto Rs 100,000/-
 Rs 100 + Courier charges
  Above Rs. 100,000/- Rs 200 + Courier charges

 OUTWARD NEFT/RTGS CHARGES

 NEFT 
 SB NIL
 CA/CC/OD 
  Upto Rs.10,000/- NIL
  Above Rs. 10,000/- & upto Rs 100,000/- Rs.   5/-  per txn
  Above Rs. 100,000/- & upto Rs 200,000/- Rs. 15/- per txn
 Above Rs 200,000/-
 Rs. 25/- per txn

 RTGS

 
 SB NIL
  CA/CC/OD 
  Above Rs. 200,000/- & upto Rs 500,000/- Rs. 25/- per txn
  Above Rs 500,000/- Rs. 50/- per txn
  

 SAFEKEEPING CHARGES FOR GOLD HELD UNDER  PLEDGE

 upto 30 days from date of loan closure 

 NIL
 More than 30 days from loan closure Rs 100/- per month or part there of
   

SND RELATED CHARGES

CURRENT
Commission to SND Agent: 2% of the amount collected in a month
Commission to SND Agent on SNDL: 2% of the amount collected in a month
SND Charges to loan account where repayment is through SND agent
All charges exclusive of Government taxes,levies,etc
   
   

CASH HANDLING CHARGES

Further to our above circulars and based on the various representations recived from customers of bank. Board of Directors in their meeting held on 16th November 2022, have reconsidered and the same has been revised as under commencing from 01st December, 2022:
Sr. No Product Type Limit per Customer Charges
1 Savings and current Accounts Cash deposits upto Rs. 25,00,000/- per month(per customer) NIL
Cash deposits Above Rs. 25,00,000/- during the month(In aggregate) Rs. 50/- per lac and proportionate there off(to be rounded off to the next highest rupee)
2 Cash/ Credit/Overdraft Accounts Monthly cash deposits upto 100 times of the Avg interest for last 12 months(i.e. from 01st Oct - Previous year to 30th Sept - Current year) or Rs.25,00,000/- (whichever is higher) per customer NIL
Cash Deposits above the arrived limit as above. Rs. 50/- per lac and proportionate there off(to be rounded off to the next highest rupee)
3 All other products No limit for cash Deposits NIL
Taxes as applicable    

 ** ALL CHARGES EXCLUSIVE OF GOVT CHARGES AND LEVIS

NEWS

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