UNITED BANK OF INDIA RATES AT A QUICK GLANCE AS ON 23.04.2012 DEPOSIT ACCOUNTS. ppt

UNITED BANK OF INDIA ANNEX-III RATES AT A QUICK GLANCE AS ON 23.04.2012 DEPOSIT ACCOUNTS. Savings Bank A/C Nature Rate of Interest Minimum Balance Normal Senior Citizen Rural Semi Urban Urban Savings Bank A/C 4% 4% With Cheque Book :Rs.500/- Without Cheque Book : Rs.50/- With Cheque Book :Rs.500/- Without cheque book:Rs.100/ - With Cheque Book :Rs.500/- Without cheque Book :Rs.100/- A.Domestic Minimum balance in SB a/c for Pensioners.:0 a. With cheque book facility 4% 4% b. Without Cheque Book facility. 4% 4% c. No frill Account 4% 4% B. Non-Resident a. NRO 4% 4% b.NRE 4% 4% Term Deposit A.Domestic Rate of Interest w.e.f. 19.11.2012 Period of Deposit Other than senior citizen Additional Rate for Senior Citizen 7 days to 30 days 6.25 0 31 days to 90 days 7.00 0 91 days to 269 days 7.5 0 270 days to 364 days 8.00 0 1 year 8.75 0.75 1 year to less than 2 years 8.75 0.75 2 years to less than 3 years 8.75 0.75 3 years to less than 5 years 8.75 0.75 5 years and above 8.75 0.75 B. Non Resident Accounts a. NRO (all maturities) Period of Deposit Other than senior citizen Additional Rate for Senior Citizen 7 days to 30 days 6.25 0 31 days to 90 days 7.00 0 91 days to 269 days 7.5 0 270 days to 364 days 8.00 0 1 year 8.75 0 1 year to less than 2 years 8.75 0 2 years to less than 3 years 8.75 0 3 years to less than 5 years 8.75 0 5 Years and above b. NRE (All maturities 1 Year 8.75 w.e.f. 19.11.2012 1 year to less than 2 years 8.75 w.e.f. 19.11.2012 2 years to less than 3 years 8.75 w.e.f. 19.11.2012 3 years to less than 5 years 8.75 w.e.f. 19.11.2012 5 years and above 8.75 w.e.f. 19.11.2012 FCNR(B) Rate of Interest w.e.f. 01.11.2012. 1 yr & above but < 2 yrs. 2 yrs & above but < 3 yrs. 3 yrs & above but < 4 yrs 4 yrs & above but < 5 yrs. For 5 years.(max) i)USD 2.86 2.39 3.46 3.59 3.77 ii)GBP 3.03 2.75 3.83 3.94 4.07 iii)EUR 2.48 2.43 3.53 3.69 3.88 LOANS Base Rate :10.45% w.e.f. 23.04.2011 Rate of Interest With effect from 23.04.2012 Processing Charge 1.Housing Loan Upto Rs. 25.00lac Above Rs 25 Lac & Upto Rs 30 LAC Above Rs 30 LAC and Upto Rs 75 lac Above Rs 75 Lac & upto Rs 150 Lac 0.5% Floating Category Floating rate is linked with BR and subject to change with revision of BR from timer to time.BR 10.45 w.e.f.23.04.2012 Upto 5 years BR+0.25 %i.e.10.7 0% BR+0.30%i. e.10.75% BR+0.30%i.e.10.75 % BR+0.55%i.e.11% pa More than 5 years & upto 15 years BR+0.25 % i.e 10.70% BR+0.30%i. e.10.75% BR+0.30%i.e.10.75 % BR+0.55%i.e.11% pa More than 15 years upto 25 years BR+0.50 % i.e.10.95 % BR+0.30%i. e.10.75% BR+0.30%i.e.10.75 % BR+0.55%i.e.11% pa Fixed Category No fixed rate category with effect from 16.02.2011 2.Personal Loan 1% a) Consumer Durable Loan BR+6%i.e.16.45% for individual BR+5.5%i.e.15.95% For individual with 50% collaterisation b.Senior Citizen Loan scheme Do do c.Personal Loan Scheme BR+6%i.e.16.45% d.Personal loan to pensioner BR+4.75%.i.e.15.20% 3.Veheicle Loan Repayment upto 3 years Repayment over 3 years 0.5% A.Two wheeler loan BR+1.80,i.e.12.25% BR+2.30,i.e.12.75% b. Three wheeler loan BR+1.80,i.e.12.25% BR+2.30,i.e.12.75% c. For new car BR+1.80,i.e.12.25% BR+2.30,i.e.12.75% d.For Old Cars BR+3.30,i.e.13.75% BR+3.80,i.e.14.25% % 4.Education al Loan Upto Rs.4.00 lac Above Rs.4.00 lac nil Repayable in 5 to 7 years after moratorium. Repayable in 5 to 7 years after moratorium For studies in India BR+2%i.e.12.45% BR+2.75%i.e. 13.20% For studies in abroad For girl students:0.50% concession from card rate CHARGES(updated upto 20.04.2012) Fee based services 1 Locker Rent (inclusive of service charges) Lock er type Dimension of locker units. M Rs U Rs SU Rs. Rural Rs. A 539 Cu. Inches 850/- 750/- 750/- 700/- B 859 Cu. Inches 1050/- 900/- 900/- 850/- C 1186 cu. inches 1150/- 975/- 975/- 925/- D 1337 cu. Inches 1400/- 1250/- 1250/- 1200/- E 1878 cu. Inches 1600/- 1450/- 1450/- 1400/- F 2644 cu. Inches 2300/- 2000/- 2000/- 1950/- G 2766 cu. Inches 2600/- 2300/- 2300/- 2250/- H 3987 cu. Inches 3000/- 2800/- 2800/- 2750/- H1 1828 cu. Inches 1600/- 1450/- 1450/- 1400/- L 6297 cu. Inches 4900/- 4500/- 4500/- 4450/- Circular no. O&M/SC/3/OM- 041/12-13 dated 20.04.2012. 2. ATM/ Debit Card (inclusive of service tax) Issuance of Primary Card NO CHARGE. Issuance of ad-on-card (joint account holder) Rs.113/- Annual Fee (first year) No Charge Annual Fee (second year onwards) Rs.113/- Cash withdrawal from UBI ATMs ( No limit) No Charge Cash withdrawal from other Bank ATMs ( 5 per month FREE) Rs.20/- Duplicate Card Rs.170/- Duplicate Pin Rs.57/- Circular no. O&M/SC/3/OM- 041/12-13 dated 20.04.2012. No minimum balance limit/annual/duplicate card/Re-PIN charges for UBI employees. 3.Issuance of Demand Draft (inclusive of service Tax) Upto Rs.10,000/- Rs.41/- Above Rs.10,000/- Rs.4.50 per thousand or part thereof, Minimum Rs.50/ Maximum Rs.15000/- For Pensioners/Senior Citizens/Students :10% rebate on the service charges will be allowed. Circular no. O&M/SC/3/OM- 041/12-13 dated 20.04.2012. w.e.f 01.04.2012 4 Issuance of Pay Order/Bankers Cheques, inclusive of service tax Upto Rs.100,00/- Rs.42/- Above Rs.100,00/- Rs.4.50 per thousand or part thereof. Minimum Rs.50/- For Pensioners/Senior citizens :10% rebate will be allowed. Circular no. O&M/SC/3/OM- 041/12-13 dated 20.04.2012. w.e.f 01.04.2012 5. Cancellation of Demand Drafts./Pay Orders (inclusive of service tax) Cancellation Charges of Demand Draft Rs.102/- per instrument. Cancellation Charges of Pay Orders Rs.102/- per instrument. Circular no. O&M/SC/3/OM- 041/12-13 dated 20.04.2012. w.e.f 01.04.2012 6. Issue of duplicate Pay Order ( in lieu of lost instruments) inclusive of service tax. Upto Rs.1,00,000/- Rs.77/- per instrument Above Rs.1,00,000/- Rs.153/- per instrument Circular no. O&M/SC/3/OM- 041/12-13 dated 20.04.2012. w.e.f 01.04.2012 7. Issue of duplicate Draft ( in lieu of lost instruments) inclusive of service tax. Upto Rs.1,00,000/- Rs.76/- per instrument Above Rs.1,00,000/- Rs.152/- per instrument Circular no. O&M/SC/3/OM- 041/12-13 dated 20.04.2012. w.e.f 01.04.2012 8. Revalidation of Demand Draft inclusive of service tax. Upto Rs.1,00,000/- Rs.102/- Above Rs.1,00,000/- Rs.152/- Circular no. O&M/SC/3/OM- 041/12-13 dated 20.04.2012. w.e.f 01.04.2012 9. Revalidation of Pay Order inclusive of service tax. Upto Rs.1,00,000/- Rs.102/- Above Rs.1,00,000/- Rs.153/- Circular no. O&M/SC/3/OM- 041/12-13 dated 20.04.2012. w.e.f 01.04.2012 10. Charges of Remittance through RTGS( inclusive of service tax.) Rs.1.00 to below Rs.2.00 lac No RTGS facility Rs.2.00 lac to Rs.5.00 lac Rs.29/- Above Rs.5.00 lac Rs.57/- Circular no. O&M/SC/3/OM- 041/12-13 dated 20.04.2012. w.e.f 01.04.2012 11.Charges of Remittance through NEFT ( inclusive of service tax.) Upto Rs.1,00,000/- Nil Above Rs.1.00 lac to Rs.2.00 lac Rs.18/- Above Rs.2.00 lac Rs.29/- Circular No. O&M/SC/7/OM- 0192/12 - 13. dated 18 Jun 2012 12. Issuance of Cheque Books.(Non-individuals) inclusive of service tax Savings Bank (MICR) Rs.4.00 per Cheque leaf. (One cheque book of 20 leaves free in a calendar year) Current Deposit/OD/CC (MICR) Rs.4.00 per cheque leaf. No free cheque Book Circular No.O&M/SC/3/OM- 041/12-13 dated 20.04.2010 13. Issuance of Cheque Books.(individuals) inclusive of service tax Individuals Pensioners Senior Citizens Savings Bank (MICR/Non-MICR Rs.3.00 per cheque leaf(one cheque book of 20 leaves free in a calendar year Rs.3.00 per cheque leaf(one cheque book of 20 leaves free in a calendar year Rs.3.00 per cheque leaf(one cheque book of 30 leaves free in a calendar year Current Deposit/OD/CC (MICR/Non-MICR Rs.3.00 per cheque leaf Rs.2.50 per cheque leaf Rs.2.50 per cheque leaf Circular No.O&M/SC/3/O M-041/12-13 dated 20.04.2010 14. Return of Inward Clearing Cheques /Non-individuals (inclusive of service tax) Return of inward clearing cheques Rs.153/- per instruments Circular No.O&M/SC/3/OM- 041/12-13 dated 20.04.2010 15. Return of Inward Clearing Cheques/ Individuals (inclusive of service taxes) : Rs.102/- per instrument. For Pensioners, Senior Citizens, rebate of 10% in total is allowed. Return of inward clearing cheques (individual) Circular No.O&M/SC/3/OM- 041/12-13 dated 20.04.2010 16. Return of Outward Clearing Cheques (inclusive of service taxes) Local cheques Rs.102/- per instrument + other Bank charges for local cheques. Outstation Cheques Rs.153/- per instrument + Other Bank charges for OCC. Circular No.O&M/SC/3/OM- 041/12-13 dated 20.04.2010 17. Outstation Cheques. Revised OCC charges in the line of RBI directive, effective from 01.04.2011. Value Service Charge from all customers(all inclusive, maximum amt. chargeable to customer)excluding service tax. Upto and including Rs.5000/- Rs.25/- +service tax at 12.36%. At present Rs.28/- Above Rs.5,000/- and upto and including Rs.10,000/- Rs.50/-+service tax at 12.36%.At present Rs.56/- Above Rs.10,000/- and upto and including Rs.1,00,000/- Rs.100/- + service tax at 12.36%.At present Rs./-112/- Above Rs.1,00,000/- Rs.150/- + service tax at 12.36%.At present Rs.169/- 18. Issuance of No-dues/No objection Certificate(inclusive of service tax. Priority Sector Non-Priority Sector SU/U/Metro Rural Individuals : Rs.56/- per certificate Non-Individuals : Rs.112/- per certificate Individual Rs.112/- Individual Rs.75/- Non- Individual Rs.169/- Non- Individual Rs.112/- . UNITED BANK OF INDIA ANNEX-III RATES AT A QUICK GLANCE AS ON 23. 04. 2012 DEPOSIT ACCOUNTS. Savings Bank A/ C Nature Rate of Interest Minimum Balance. 20 .04. 2012. w.e.f 01 .04. 2012 5. Cancellation of Demand Drafts./Pay Orders (inclusive of service tax) Cancellation Charges of Demand Draft Rs.102/- per