Service Charges & Fees w.e.f. 1st October, 2006

Reduction in Service Charges w.e.f. 01.09.2007

1) DEPOSIT PRODUCTS

Particulars	Charges
Savings Bank A/c - No frills A/c	Nagrik Bachat Khata
Minimum Balance	Rs. 50/-
Charges for non maintenance thereof	Nil
Saving Bank Accounts with Cheque facility
Minimum Balance	Rural – Rs.500/- S/U - Rs.500/- Urban – Rs.500/- Metro - Rs.1000/- For CBS Branches :- (Irrespective of Area) Quarterly Average Balance (QAB) : Rs.1000/-
Charges for non maintenance thereof	Rural : Rs. 25/- per month SU : Rs.50/- per month Urban/Metro : Rs.50/- per month Savings Bank A/c at CBS Branches irrespective of classification of Area If Quarterly Average Balance (QAB) of Rs.1000/- is not maintained : - Rs.100 per quarter
Saving Bank Accounts without Cheque facility
Minimum Balance	Rural – Rs.250/- S/U - Rs.500/- Urban – Rs.500/- Metro - Rs.1000/- For CBS Branches :- (Irrespective of Area) Quarterly Average Balance (QAB) : Rs.1000/-
Charges for non maintenance thereof	Rural : Rs.15/-- per month SU : Rs.50/- per month Urban/Metro : Rs.50/- per month Savings Bank A/c at CBS Branches irrespective of classification of Area If Quarterly Average Balance (QAB) of Rs.1000/- is not maintained : - Rs.100 per quarter
Other savings bank account facilities
Issue of Duplicate Statement	Rs. 50/- per Duplicate Statement with latest balance only. Charges for previous entries (if required) Rs. 50/- per ledger page or part thereof. Note : For accounts maintained on computers, 30 entries or part thereof be treated as one ledger page
Issue of loose cheque leaves	40 leaves will be free in a financial year. Free supply of cheque books in a SB a/c will be on pro-rata basis, i.e. 20 cheque leaves for -6- months and/or part thereof. ) Subsequent cheque book @ Rs. 2.50 per leaf for MICR/NON MICR Cheque books.
Issue of duplicate pass book	Rs. 50/- per Duplicate pass book with latest balance only. Charges for previous entries (if required) Rs. 50/- per ledger page or part thereof. Note : For accounts maintained on computers, 30 entries or part thereof be treated as one ledger page
Mode of calculation of minimum balance	If balance on any day during the calendar month remains below the stipulated minimum balance then it is reckoned as balance below minimum balance for the entire month which will attract service charges.

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2) REMITTANCE FACILITIES THROUGH OWN BANK

Particulars	Charges
DD-Issue	UptoRs.1000/- -- Rs.20/- Above Rs.1000/- to Rs.10000/- --Rs. 35/- Above Rs10000/- -- Rs. 3.00 per Rs.1000/- or part thereof subject to min. of Rs.35/- & maximum Rs.12000/- Note : Against tender of cash for any mode of remittance--> 50% higher charges over above floor rates.
DD-Cancellation	Rs.75/- per instrument. (In case of lost instrument, 50% of value of instrument subject to max Rs.100/-)
DD-Duplicate	Rs.75/- per instrument. (In case of lost instrument, 50% of value of instrument subject to max Rs.100/-)
DD-Revalidation	Nil
PO-Issue	UptoRs.1000/- -- Rs.20/- Above Rs.1000/- to Rs.10000/- -- Rs. 35/- Above Rs10000/- -- Rs. 3.00 per Rs.1000/- or part thereof subject to min. of Rs.35/- & maximum Rs.12000/- Note : Against tender of cash for any mode of remittance--> 50% higher charges over above floor rates.
PO-Cancellation	Rs75/- per instrument. (In case of lost instrument, 50% of value of instrument subject to max Rs.100/-)
PO-Duplicate	Rs.75/- per instrument. (In case of lost instrument, 50% of value of instrument subject to max Rs.100/-)
PO-Revalidation	Nil
TT-Issue	UptoRs.1000/- -- Rs.20/- Above Rs.1000/- to Rs.10000/- -- Rs. 35/- Above Rs10000/- -- Rs. 3.00 per Rs.1000/- or part thereof subject to min. of Rs.35/- & maximum Rs.12000/- Plus Rs.100/- per TT inclusive of Telegram / FAX charges. Note: Against tender of cash for any mode of remittance--> 50% higher charges over above floor rates.
TT-Cancellation	Nil
TT-Duplicate	Nil
TT-Revalidation	Not applicable
EFT Charges-inward	Nil
EFT Charges-outward	Rs.1.50- per Rs.1000/- subject to Min. Rs.100/- & Max. Rs.1500/- per transaction
RTGS-Outward	Rs.50/- per transaction irrespective of any amount.(Inclusive of Service Tax)
RTGS-Inward	Nil
NEFT Outward	Up to Rs.50,000/- Rs.10/- per transaction Above Rs.50,000/- and up to Rs.1.00 lac Rs.25/- per transaction Above Rs.1.00 lac Rs.50/- per transaction irrespective of any amount (Charges inclusive of service tax)
Collection of Cheques	A) Through our bank's branches Upto Rs. 5000/- - Rs. 25/- Above Rs.5000/- to Rs.20000/- -- Rs. 4.00 per Rs.1000/- or part thereof subject to min. of Rs.40/- Above Rs20000/- -- Rs. 4.50 per Rs.1000/- or part thereof subject to maximum Rs.12500/- B) Through our branch for another bank 50% of our charges to be recovered. C) Direct through other banks i.e. instruments drawn at a centre where we have no branch. Other bank charges plus 50% of our charges to be recovered. Note: postage per instrument to be recovered as under: Upto Rs.100/- : No postage Rs.100/- to Rs.1000/- : Rs.10/- Rs.1000/- : Actual charges In case sent by courier : Actual charges

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3) REMITTANCE FACILITIES WITH OTHER BANKS

Particulars	Charges
DD-Issue	No such arrangement with other banks
DD-Cancellation	No such arrangement with other banks
DD-Duplicate	No such arrangement with other banks
DD-Revalidation	No such arrangement with other banks
PO-Issue	No such arrangement with other banks
PO-Cancellation	No such arrangement with other banks
PO-Duplicate	No such arrangement with other banks
PO-Revalidation	No such arrangement with other banks
TT-Issue	No such arrangement with other banks
TT-Cancellation	No such arrangement with other banks
TT-Duplicate	No such arrangement with other banks
TT-Revalidation	No such arrangement with other banks
EFT Charges-inward	No such arrangement with other banks
EFT Charges-outward	No such arrangement with other banks
RTGS-Outward	No such arrangement with other banks
RTGS-Inward	No such arrangement with other banks
Collection of Cheques	No such arrangement with other banks

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4) FOREIGN EXCHANGE REMITTANCE

Particulars	Charges
Remittance Outward	On all outward remittances a) Sundry Remittance – Rs100 upto Rs.10,000/- and Rs.200 above Rs.10,000/- b) Advance Remittances against imports (additional charges equivalent to 50% of the following are recoverable). i. On each bill drawn in foreign currency, on which the bank earns exchange benefit. -- @ 0.25% with a minimum of Rs.500. Max Rs.50,000 ii. On each bill drawn in Rupees and on each bill drawn in foreign currency on which the bank does not earn exchange benefit. --- @ 0.35% with a minimum of Rs.500 Max Rs70,000/- In case of advance remittance, for individual transactions, concession is extended on the incremental value as under up to Rs.1/- crore - Normal Charges Above Rs. 1/- crore up to 3/- cores- 50% over & above normal charges upto Rs.1/- crore. Above Rs.3/- crores up to Rs.5/- crores - 25% over & above normal charges upto Rs.3/- crores. Above Rs.5/- crores and above - 12.5% over & above normal charges up to Rs.5/- crores. c) Payment of foreign currency draft by the drawee bank by issuing their own draft in the same currency in favour of the beneficiary bank with whom the relative foreign currency amount is to be deposited in a FCNR Account. -- A service charge for the issue of their own draft @ 0.10% with a minimum of Rs.200/- d) EEFC Accounts Where the bank effects outward remittance to the debit of EEFC account of the customer commission payable : --0.10% with a minimum of USD 10 and maximum of USD 50 or its rupee equivalent.
Remittance Inward	a) Commission in respect of each clean payment effected under instructions from a foreign correspondent (inward remittance) -- Rs.100/- (Whenever proceeds are to be credited to Deposit account with us) -- no charges b) Where the inward remittance has to be executed in foreign currency by issuing a demand draft/mail transfer/payment order/telegraphic transfer commission shall be recovered from beneficiary/beneficiary’s bank as the case may be. -- 0.1% (Min. Rs.100/- and Maximum Rs.5000/-) c) Clean instrument for Collection : Commission to be recovered on clean instruments sent for collection abroad. -- 0.1% (Min. Rs.50/- and Maximum Rs.5000/-) d) Foreign Currency instruments sent on collection within India In respect of foreign currency instruments favouring resident beneficiaries sent for collection within India, charges as applicable for inland transactions may be recovered
TCs - Selling	a) Issue of Foreign Currency Travellers Cheques Commission -- @ 1% on rupee equivalent payable by the customer b) Where at the request of the beneficiary, foreign currency traveller cheques are issued by the Authorized Dealers against foreign currency remittances received from abroad, the commission payable : -- 0.25%
TCs - Encashing	Nill
TCs - Foreign Currency	@ 1% on rupee equivalent payable by the customer
Cheque Collection
Local	Nill
Outstation through own bank	Upto Rs. 5000/- - Rs. 25/- Above Rs.5000/- to Rs.20000/- -- Rs. 4.00 per Rs.1000/- or part thereof subject to min. of Rs.40/- Above Rs20000/- -- Rs. 4.50 per Rs.1000/- or part thereof subject to maximum Rs.12500/-
Outstation through another bank	Other bank charges plus 50% of our charges to be recovered.
Bouncing of cheques- Local	A) Cheque deposited & Returned Unpaid (Inward Return) Rs.75/-per instrument. (irrespective of nature of reasons) In respect of inward clearing cheques returned unpaid due to financial reasons, Intt. @ BPLR+3.5% p.a. for the period the bank was out of funds is also to be recovered. B) Cheque drawn on us (Outward Return )– Rs. 100/- (in respect of cheque returned for financial reasons) and Rs. 50/- for other reasons. C) For transfer cheques received at the branch, charges to be recovered from the drawer of the cheque.
Bouncing of cheques- outstation- through own bank	50% of our collection charges subject to a minimum of Rs.75/-
Bouncing of cheques- outstation- through another bank	50% of our collection charges subject to a minimum of Rs.75/- plus other bank’s charges, if any.

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5) RETAIL LOANS

Particulars	Unified Processing charges*
Loan Processing Charges	PART - A: Mortgage Loans Baroda Home Loan (Resident Indians) - Loans upto Rs. 20/- lacs : 0.35% - Loans above Rs. 20/- lacs : 0.40% - Maximum : Rs. 15000/- Take over of Home Loans - 0.10% - Maximum : Rs. 5000/- Baroda Home Loan to NRIs / PIOs - Loans upto Rs. 20/- lacs : 0.35% - Loans above Rs. 20/- lacs: 0.40% - Maximum : Rs. 15000/- Baroda Home Improvement Loan - 0.35% Baroda Additional Assured Advance - 0.35% - Maximum : Rs. 15000/- Baroda Advance Against Property - Loan (one time) : 1.00% - Minimum : Rs. 1000/- - Maximum : Rs. 15000/- - Overdraft (Fresh sanction/ Renewal) 0.35% - Minimum : Rs. 1000/- - Maximum : Rs. 15000/- Baroda Advance Against Property to NRI - Loan (one time) : 1.00% - Minimum : Rs. 1000/- - Maximum : Rs. 15000/- Baroda Ashray (Reverse Mortgage) - 0.20% - Maximum : Rs. 10000/- (one time) PART - B: Business / Other Secured Loan Baroda Traders Loan (Loan/Overdraft) (Fresh Sanction / Renewal) - 0.35% - Minimum : Rs. 1000/- - Maximum : Rs. 30000/- Baroda Loan to Doctors (Fresh Sanction / Renewal) - 0.35% - Maximum : Rs. 15000/- Baroda Loan to Professionals (Fresh Sanction / Renewal) - 0.35% - Maximum : Rs. 10000/- Baroda Advance Against Securities - Rs. 100/- flat plus out of pocket expenses and actual conveyance charges. Baroda Career Development 0.50% of Loan amount PART - C: Clean / Other Loan Baroda Personal Loan - 2% - Minimum : Rs. 250/- Baroda Vaibhav Lakshmi - 2% - Minimum : Rs. 250/- Baroda Loan to Defence Pensioners - Rs. 100/- (Fixed) Baroda Loan to Pensioners - Rs. 100/- (Fixed) Baroda Desh Videsh Yatra Loan - 2% - Minimum : Rs. 250/- Baroda Car Loan - 0.75% - Maximum : Rs. 6000/- Baroda Two-Wheeler Loan - 2% - Minimum : Rs. 250/- Baroda Consumer Durables - 2% - Minimum : Rs. 250/- Baroda Loan for Laptops & Personal Computer - 2% - Minimum : Rs. 250/- Baroda Salary Advantage Savings Account - 0.5% - Minimum : Rs. 100/- Education Loan - Baroda Scholar - 1% to be recovered upfront, which shall be refunded, if applicant avails the loan. Education Loan - Baroda Vidya and Baroda Gyan - Nil
Prepayment Charges	(Applicable for under mentioned products only) 1. Baroda Housing Loan Prepaid partly or fully from own sources – NIL Other cases – 0.5% of balance outstanding for each year of residual period of the loan subject to max. of 2%. Cases where opted for conversion from fixed to floating rate of interest – 0.5% for the residual period of loan subject to maximum 3%. 2. Baroda Home Improvement Loan In case of full prepayment 1% of amount prepaid (including amount prepaid in last financial year) No charges on part prepayment 3. Baroda Housing loan to NRIs / PIOs Prepaid partly or fully from own sources – NIL Other cases – 0.5% of balance outstanding for each year of residual period of the loan subject to max. of 2%.
No Dues Certificate	For borrower under priority sector – NIL Others – Rs.50/- per occasion (Rural Branches Rs.10/- per occasion)
Solvency Certificate	Upto Rs.5/- lacs ---- Rs.500/- Above Rs.5/-lac--- Rs.100/- per lac & part thereof subject to maximum of Rs.15,000/- For Students: 50% or Max. Rs.1,500/-
Charges for late payment of EMI	2% p.a. on overdue amount for overdue period. In addition to above, Service Tax as applicable from time to time shall be levied.
Charges for changing from fixed to floating rates of interest	Applicable in under mentioned products only 1. Baroda Housing loan 0.50% of the outstanding balance for every year for the residual period of the loan subject to maximum 2% of the amount outstanding from the date of allowing conversion. 2. Baroda Housing loan to NRIs / PIOs 0.50% of the outstanding balance for every year for the residual period of the loan subject to maximum 2% of the amount outstanding from the date of allowing conversion.
Charges for changing from float to fixed rates of interest	option is not allowed by our Bank, hence, presently not applicable

* Service Tax as applicable from time to time shall be additionally recovered. Present rate of service tax is 12.36%.

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6) CARDS

Particulars	Charges
Annual Fee	Free up to 31/12/2008
Additional Cards	Free up to 31/12/2008
Renewal Charges	Rs.113/- per year (waived upto 31/12/2008)
Card Replacement Charges (in India)	Rs.169/-
Bank of Baroda ATMs
Cash Withdrawal	Free
Balance Enquiry	Free
NFS Member Bank's ATM
Cash Withdrawal	Rs.21/-
Balance Enquiry	Rs.9/-
Other VISA Member Bank's ATMs (Abroad)
Cash Withdrawal	Rs.141/-
Balance Enquiry	Rs.34/-
Other VISA Member Bank's ATMs (in India)
Cash Withdrawal	Rs.23/-
Balance Enquiry	Rs.8/-
Charge-slip retrieval charges	Rs.337/-
Account overdrawn charges	Rs.113/- per occassion
Surcharge at Railway & Petrol Pumps	2.5% + service tax (if any) on transaction amount or Rs.10/- which is high.
Other Information
Activation of card	Can be activated through first use of PIN in any ATM.
ATM cash withdrawal limit per day	Rs.15,000/- subject to balance available in account
Purchase transaction limit per day	Rs.25,000/- subject to balance available in account
No. of transactions per day in ATM	Four
Mini Statement	Available only in our Bank's ATM and during online mode
Pin Change	Option available only in our Bank's ATM

• Tariff structure subject to change from time to time at the sole discretion of the Bank.
• Charges for cash withdrawal and balance enquiry carried out on other Bank's ATM (Acquiring Bank) which are member of NFS and VISA, will depend on the policies of those Banks.
• In the even of loss of theft of your Bank of Baroda International Debit Card or for any kind of assistance,
  please contact us at Toll Free No. 1800-220-400.

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7) MISCELLANEOUS

Particulars	Charges
Balance enquiry	Bank of Baroda ATMs Nil (Other bank’s ATM on NFS network) Rs.9/- per enquiry. Other bank VISA ATMs (in India) Rs.8/- Other bank VISA ATMs (Abroad) Rs.34/-
Balance Certificate	Rs.20/- per certificate (for individuals) Rs.30/- per certificate for others.
Interest Certificate	Nil
Account closure	Premature closure of A/cs -(within a year) - All Centres SB A/c - Individuals : Rs.150/- Others : Rs. 500/- Current Account Individuals : Rs.150/- Others : Rs. 500/- RD/ YSJY A/C All : Rs.100/- For CBS Branches : Irrespective of Area and whether of Individual or Others, if account is closed within a year : - Rs.100/- Closure of Account due : No charges to death of Account Holder
Use of Fax/Telephone/Modem	Actual charges to be recovered
Photo attestation	Rs 100/- per photo per occasion.
Signature attestation	Rs.50/- per signature per occasion
Stop Payment Charges	Savings Bank. – Rs.50/- per instrument C.A./C.C./OD - Rs.100/- per instrument In case of loss of complete blank cheque book Max. ceiling as below : Savings Bank – Rs.200/- C.A./C.C./OD – Rs.400/-
Inoperative account	A) Inoperative Savings Bank a/cs. Account maintaining stipulated minimum balance - Nil Account not maintaining stipulated minimum balance Rs.75/-at the time of interest application as at end of 1st year of inoperative status. B) For inoperative Current Account — Rs.100/- per half year.

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8) Downward revision in Service Charges for CBS Operations with immediate effect.

NOTICE TO CUSTOMERS OF CBS BRANCHES

Dear Customers,
Our esteemed customers are hereby informed that the bank has reviewed the charges downward as under with immediate effect:

(1) Cash Deposit

Nature of CBS Branch	Charges Exclusive of Service Tax
Local Non-base-branches (i.e. CBS branches in same clearing area)	Free of charge in respect of any amount / any number of cash deposit per day per account.
Out-station Non base branches (i.e. CBS branches outside clearing area)	Cash deposit Rs.25000/- per day per account is free of charges, thereafter in excess of Rs.25000/-, service charges will be @ Rs.2/- per thousand or part thereof. For Baroda Premium Current Account: Cash deposit Rs.50000/- per day per account is free of charges, thereafter in excess of Rs.50000/-, service charges will be @ Rs.2/- per thousand or part thereof. For Baroda Premium Current A/C- Privilege: Cash deposit Rs.100000/- per day per account is free of charges, thereafter in excess of Rs.100000/-, service charges will be @ Rs.2/- per thousand or part thereof.

(2) Cash Withdrawal

Nature of CBS Branch	Charges Exclusive of Service Tax
Local Non-base-branches (i.e. CBS branches in same clearing area)	Free of charge in respect of any amount / any number of cash withdrawals per day per account.
Out-station Non base branches (i.e. CBS branches outside clearing area)	Cash withdrawal up to Rs.25000/- per day per account is free of charges, thereafter in excess of Rs.25000/-, service charges will be levied @ Rs.2/- per thousand or part thereof. For Baroda Premium Current Account: First Two Cash withdrawal of any amount per account per calendar month is free of charges, thereafter each cash withdrawal per day per account in that calendar month in excess of Rs.25000/-, service charges will be @ Rs.2/- per thousand or part thereof. For Baroda Premium Current A/C- Privilege: First Three Cash withdrawal of any amount per account per calendar month is free of charges, thereafter each cash withdrawal per day per account in that calendar month in excess of Rs.25000/-, service charges will be @ Rs.2/- per thousand or part thereof.

(3) Transfer of funds
Transfer of funds between our CBS branches by customers using Baroda Connect is already free upto stipulated daily/weekly/monthly/yearly limits.

In addition to above, transfer of funds through cheque amongst the customers of CBS branches will as under:

Transfer of fund by Base / Non-base branch	Charges Exclusive of Service Tax
(i) Transfer of funds within the same clearing area through cheque.	Free of charge transfer of funds through cheque irrespective of any amount.
(ii) Funds transfer amongst CBS branches: Transfer of funds outside the clearing area through cheques drawn on any of our CBS branches. Funds transfer amongst CBS branches through collection of outstation cheques drawn on our CBS branches. Funds transfer through payment of cheque drawn on our outstation CBS branches received through clearing.	Free of charge up to Rs.25000/- per day per account, thereafter in excess of Rs.25000/-, service charges will be levied @ Rs.1.00 per thousand or part thereof - Minimum of Rs.25/- & Maximum Rs.2500/-. For Baroda Premium Current A/C & For Baroda Premium Current A/C- Privilege: Free of charge - Any amount. For Super Savings Bank A/C & For Centenary Savings Bank A/C: Free of charge -Any amount.

(4) Collection of cheque

Nature of CBS Branch	Charges Exclusive of Service Tax
Collection of local cheques through clearing by local nonbase branches.	Free of charge.
Cheque collected through outstation non base branches drawn on other Banks within clearing area of that center. (The Customer having an account at our CBS branch, Mumbai and deposits a cheque, at a CBS branch in Delhi, which is drawn on SBI, New Delhi and to be presented to SBI, Delhi in local clearing).	@ Rs.2/- per thousand or part thereof subject to Maximum of Rs.6250/- per day per account. For Baroda Premium Current A/C & For Baroda Premium Current A/C- Privilege: Free of charge. For Super Savings Bank A/C & For Centenary Savings Bank A/C: Free of charge.

NOTE: Other existing charges not mentioned above remain unchanged.

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