Service Charges

w.e.f. Aug 01st, 2025

Demand Draft & Pay order Charges (Saving A/c & Current A/c)
Demand Draft Issue - Free on Opening Balance
Demand Draft Issue - Rs.1/- per thousand subject to minimum Rs.10/- maximum Rs.5000/-
Demand Draft Cancellation Charges Rs.100/-
Cheque Collection ( OBC and IBC) Charges
Upto Rs.5000/- Rs.25/- per transaction
Above Rs.5000/- to Rs.10000/- Rs.50/- per transaction
Above Rs.10000/- to Rs.100000/- Rs.100/- per transaction
Above Rs.100000/- Rs.150/- per transaction
OBC & IBC Return Charges Rs.100/- per instrument
Outward Cheque Return Charges
12 instrument per F.Y Free
More than 12 instrument per F.Y Rs.50/- per instrument
Inward Cheque Return/NACH or ECS Return Charges
Up to Rs.100000/- Rs.200/- per instrument
Above Rs.100000/- to Rs.200000/- Rs.300/- per instrument
Above Rs.200000/- to Rs.500000/- Rs.400/- per instrument
Above Rs.500000/- Rs.700/- per instrument
ACH/ ECS Mandate Registration Charges Rs.100/- per instrument
Duplicate Passbook & Share Holder ID Card Charges
Rs.50/- Per Request
Account Statement Charges
Per Month Free for single time after that Rs.100 per request.
Notice Charges/Signature Verification/Duplicate NOC/Any Other Certificate
Rs.200/- Per Notice/Certificate.
Confidential Report Charges
Rs.500/- Per Report
Postage Charges
Rs.50/- per Post
BSBD Account
No charges levied for any transaction/activity
RTGS Charges
Inward Free
Outward
Through Kadi Bank Mobile Application Free
Above Rs.200000/- to Rs.500000/-(Saving A/c & Current A/c) Rs.25/- per transaction
Above Rs.500000/-(Saving A/c & Current A/c) Rs.50/- per transaction
Free If Customer maintains Average Monthly Balance(Previous Month) Rs. 25000/- and above in Saving Account and Rs. 50000/- and above in Current Account
NEFT Charges
Inward Free
Outward
Through Kadi Bank Mobile Application Free
Upto Rs.10000/-(Saving A/c & Current A/c) Rs.2.50/- per transaction
Above Rs.10000/- to Rs.100000/-(Saving A/c & Current A/c) Rs.5/- per transaction
Above Rs.100000 to Rs.200000/-(Saving A/c & Current A/c) Rs.15/- per transaction
Above Rs.200000/-(Saving A/c & Current A/c) Rs.25/- per transaction
Free If Customer maintains Average Monthly Balance(Previous Month) Rs. 25000/- and above in Saving Account and Rs. 50000/- and above in Current Account
IMPS Charges (Kadi Bank Mobile Application)
Inward Free
Outward
Upto Rs.9999/- Free
Above Rs.10000/- to Rs.99999/- Rs.5/- per transaction
Above Rs.100000/- to Rs.200000/- Rs.10/- per transaction
Above Rs.200000/- to Rs.250000/- Rs.15/- per transaction
Locker Charges
Closure/ Lock Replacement Rs.1000/- per Locker
Cheque Book Charges
Hypothication CC/Secured Cash Credit / FDOD A/cs Free
Cheque Book Issue in Saving A/c Per F.Y. 15 leaves free than after Rs.2/- Per Cheque Leaf
Cheque Book Issue in Current A/c Per F.Y. 30 leaves free than after Rs.2/- Per Cheque Leaf
Free If Customer maintains Average Monthly Balance(Previous Month) Rs. 25000/- and above in Saving Account and Rs. 50000/- and above in Current Account
Cheque Book Stop Payment Instructions Rs.100/- per Request
Rupay Debit Card & Pin Charges
Annual Charges Free
Platinum Contactless Debit Card one time (Duplicate/Replacement/New Card) Rs.500/-
New ATM Pin Rs.50/-
ATM Transaction Charges
Free All Transaction on ATM Machine of Shree Kadi Nagarik Sahakari Bank Ltd/HDFC Bank Ltd
ATM Machine of other Bank
Upto 5 Transaction Non Metro City/3 Transaction Metro City Free per month
Above 5 Transaction Non Metro City/3 Transaction Metro City Rs.23/- for Financial Transaction
Above 5 Transaction Non Metro City/3 Transaction Metro City Rs.23/- for Pin Change/Mini statement/Balance Inquiry
Average Monthly Balance Non-Maintenance Charges
Saving A/c- Minimum Balance Rs.1000/- Rs.50/-
Average Quarterly Balance Non-Maintenance Charges
Current A/c- Minimum Balance Rs.5000/- Rs.200/-
SMS Charges (Quarterly)
Saving / Current / Over Draft A/c Rs. 0.25/- per SMS, Maximum Rs. 30 per quarter
Cash Withdrawal Charges
Current Account Free - Opening Balance
Rs.35/- per lakh
Overdraft against FDR Free up to Rs. 1000000/- per day after that Rs. 35/- per lakh
Cash Deposit in Current A/c
Last Month Average Balance above Rs.100000/- Free
Last Month Average Balance above Rs.50000/- to Rs.100000/- Rs.5 per bundle if bundle count more than and equal to 3
Last Month Average Balance up to Rs.50000/- Rs.10 per bundle if bundle count more than or equal to 3
Cash Deposit in Saving A/c
Last Month Average Balance above Rs.25000/- Free
Last Month Average Balance up to Rs.25000/- Rs.10 per bundle if bundle count more than or equal to 3
Cash Deposit in Loan/Overdraft against FDR, LIC, KVP, NSC A/c
Rs.5 per bundle if bundle count more than or equal to 3
Account Closure Charges
Saving account holder close A/c in 365 days from opening date Rs.200/-
Saving account holder close A/c in 366 days to 730 days from opening date Rs.100/-
Current account holder close A/c in 365 days from opening date Rs.500/-
Current account holder close A/c in 366 days to 730 days from opening date Rs.250/-
Close A/c after 730 days from opening date Free
Processing Charges - Real Estate / Builder Loan (Cash Credit),Secured Cash Credit and Pledge Loan
New Sanction
Sanction Limit Up to Rs. 50000/- No Charge
Sanction Limit Above Rs. 50000/- & Up to Rs. 1 Lakh Rs.500/-
Sanction Limit Above Rs. 1 Lakh & Up to Rs. 5 Lakh Rs.500/-
Sanction Limit Above Rs. 5 Lakh & Up to Rs. 10 Lakh Rs.1000/-
Sanction Limit Above Rs. 10 Lakh & Up to Rs. 25 Lakh Rs.2000/-
Sanction Limit Above Rs. 25 Lakh & Up to Rs. 50 Lakh 0.10% of Sanction Limit
Sanction Limit Above Rs. 50 Lakh & Up to Rs. 100 Lakh 0.15% of Sanction Limit
Sanction Limit Above Rs. 100 Lakh & Up to Rs. 500 Lakh 0.20% of Sanction Limit
Sanction Limit Above Rs. 500 Lakh 0.25% of Sanction Limit
Renewal Limit
For Renewal of Limit 50% of above charges
For Re-sanction Limit (Sanction but not Disburse of Loan within 6 months) Additional 0.10% of Re-sanction Limit
Processing Charges(Term Loan) - Real Estate / Builder Loan,Loan Against Property(Commercial)
Sanction Limit Up to Rs. 50000/- No Charge
Sanction Limit Above Rs. 50000/- & Up to Rs. 1 Lakh Rs.500/-
Sanction Limit Above Rs. 1 Lakh & Up to Rs. 5 Lakh Rs.1000/-
Sanction Limit Above Rs. 5 Lakh & Up to Rs. 10 Lakh Rs.1500/-
Sanction Limit Above Rs. 10 Lakh & Up to Rs. 25 Lakh Rs.2000/-
Sanction Limit Above Rs. 25 Lakh & Up to Rs. 50 Lakh 0.10% of Sanction Limit
Sanction Limit Above Rs. 50 Lakh & Up to Rs. 100 Lakh 0.15% of Sanction Limit
Sanction Limit Above Rs. 100 Lakh & Up to Rs. 500 Lakh 0.20% of Sanction Limit
Sanction Limit Above Rs. 500 Lakh 0.25% of Sanction Limit
For Re-sanction Limit (Sanction but not Disburse of Loan within 6 months) Additional 0.10% of Re-sanction Limit
Floating to Fixed conversion charges & vice versa (Applicable to Housing Loan & Vehicle Loan)
Floating to Fixed Interest Rate 2.00% + GST on Outstanding and Undisbursed Portion of Term Loan
Fixed to Floating Interest Rate
Inspection Charges - Hypothecation CC And Secure Cash Credit
Up to Rs. 10 Lakh No Charge
Above Rs. 10 Lakh & Up to 100 Lakh Rs.250/- per visit
Above Rs. 100 Lakh & Up to 500 Lakh Rs.500/- per visit
Above Rs. 500 Lakh Rs.1000/- per visit
Cibil Report Charges
Consumer CIR Rs.200/- per report.
Commercial CIR Rs.1500/- per report.
Penal Charges on Advances A/c
Delay / default in servicing Bank's Instalment / Instatement Penal Charges will be 3.00% p.a. for default /overdue amount and default period
CC / OD facility remained un-renewed.
Excess Over sanctioned limit and / or drawing power
Default in compliance of specific term & conditions.
Late Stock Statement
Limit up to Rs.2500000 Rs.200/- per month
Limit above Rs.2500000 up to Rs.10000000 Rs.400/- per month
Limit above Rs.10000000 Rs.600/- per month
Late Insurance Charges
New Loan Account Opened Penal Charges will be 1.00% p.a. in case insurance policy is received after 30 days from loan account opening date
At the time of renewal Penal Charges will be 1.00% p.a. in case insurance policy is received after 30 days from insurance due date
Pre-Payment charge in case of all fixed interest rate loans
2.00% p.a. only on total outstanding amount of all the credit facilities in case of takeover of account by other bank/Financial institution if prepaid within 3 years from the date of disbursement.
Incidental Charges(Half Yearly)
Hypothecation CC and Secured Cash Credit Rs.0.40 per entry (Minimum Rs.250/- & Maximum Rs.750/-)
Bank Guarantee(Financial Guarantee)
If backed by bank's FDs (100% margin), 1% p.a. , If less than 100% cash margin, 2% p.a., (one month's commission subject to minimum Rs.250/-)
Solvency Certificate
0.20% of the amount of Solvency Certificate subject to minimum Rs. 500/- and maximum Rs. 20000/-.
In case of issuance of Solvency Certificate of same or lesser amount for 2nd time or more in same month, 50% of applicable Charges will be recovered.
**All Charges are Exclusive GST Rate is 18% (9% CGST + 9% SGST)**