Service Charges

		Individuals	Corporate	Others
A	Interest Rates
1.1	Savings Dep MUR	3.10%	0.00%	NA
1.11	Savings Dep (FCY)	0.00%-0.10%	0.00%-0.10%	NA
1.2	Term Dep (MUR)	3.30%-3.75%	3.30%-3.75%	NA
1.4	Term Dep (FCY)
1.41	Term Dep (USD)	0.5%-4.50%	0.5%-4.50%	NA
1.42	Term Dep (GBP)	0.5%-3.50%	0.5%-3.50%	NA
1.43	Term Dep (EURO)	0.5%-4.50%	0.5%-4.50%	NA
2	Credit Facilities (MUR)
2.1	Prime Lending Rate	7.45%	7.45%	NA
2.2	Credit Card	NA	NA	NA
2.3	Other credit facilities-Margin over PLR	PLR+ 3% ABOVE PLR	PLR + 3% ABOVE PLR	NA
3	Credit Facilities(FCY)
3.1	Margin over LIBOR	NA	NA	NA
B	DEPOSITS
4	Savings Account
4.1	Minimum account opening balance	MUR1,000	MUR5,000	NA
4.2	Minimum credit balance to earn interest	MUR5,000.00	NA	NA
	Quarterly  service charges if QAB falls below minimum balance	MUR100	MUR500	NA
5	Current Account
5.1	Minimum account opening balance	MUR5,000.00	MUR5,000.00	NA
5.2	Quarterly  service charges if QAB falls below minimum balance	MUR100.00	MUR500.00	NA
6	Call Deposit Account
6.1	Minimum balance	NA	NA	NA
6.2	Quarterly  service charges if QAB falls below minimum balance	NA	NA	NA
6.3	Monthly service charges	NA	NA	NA
7	Term deposits (MUR)
7.1	Minimum amount	MUR25,000.00	MUR100,000.00	NA
7.2	Deposit withdrawn before maturity within 3 months	Interest will be paid 1% below card rate for completed period	Will be forfeited	NA
7.3	Deposit withdrawn before maturity after 3 months	Interest will be paid 1% below card rate for completed period	Interest will be paid 1% below card rate for completed period	NA
8	Term deposits (FCY)
8.11	Minimum amount USD	USD1,000	USD1,000	NA
8.12	Minimum amount GBP	GBP100	GBP100	NA
8.13	Minimum amount EUR	EUR100	EUR100	NA
8.21	Deposit withdrawn before maturity USD	Interest will be paid at agreed rate for completed period	Interest will be paid at agreed rate for completed period	NA
8.22	Deposit withdrawn before maturity GBP	Interest will be paid at agreed rate for completed period	Interest will be paid at agreed rate for completed period	NA
8.23	Deposit withdrawn before maturity EUR	NIL	NIL	NA
9	Foreign Currency Account
	Minimum balance
9.1	Euro	NA	NA	NA
9.2	Pound Sterling	NA	NA	NA
9.3	US Dollar	NA	NA	NA
9.4	Minimum credit balance to earn interest	NA	NA	NA
9.5	Monthly service charges	NA	NA	NA
9.6	Dormant charges of FCY Deposit Accounts	EUR10 GBP10 USD10	EUR10 GBP10 USD10
C	CREDIT FACILITIES
10	Credit Cards
10.1	Annual fee	NA	NA	NA
10.2	Replacement of lost/stolen cards	NA	NA	NA
10.3	Cash advance fee	NA	NA	NA
10.4	Overlimit fee	NA	NA	NA
11	Loans and advances
	Processing fee
11.1	Against Deposits	0.25%, of sanctioned limit Min MUR500 Max MUR2000	0.25%, of sanctioned limit Min MUR500 Max MUR2000	NA
11.11	Home Loans	1.0% of sanctioned limit Above MUR3.0M No charge	NA
11.2	Others	1.00% of sanctioned limit Min MUR2,500 MAX MUR0.1M	1.00% of sanctioned limit Min MUR10K MAX MUR0.2M
11.21	Renewal	0.5% of Review limit Min MUR1,250 Max MUR25000	0.5% of Review limit Min MUR2500 Max MUR50000
11.22	Amendment fee	MUR2,000 per modification borrower induced	MUR5,000 per modification borrower induced
11.3	Arrangement fee	NIL	NIL	NA
11.4	Ledger fee	MUR2.00 per tran + VAT Saving Non Ind, OD/CA H yearly MIN MUR500+VAT	MUR2.00 per tran + VAT Saving Non Ind, OD/CA H yearly MIN MUR500+VAT	NA
11.5	Commitment fee	Min Qtly average utilisation of sanctioned limit should be 60%. In case Qtly avg utilisation is less than 60% of sanctioned limit interest in the account will  applied on min 60% of the sanctioned lim quaterly	Min Qtly average utilisation of sanctioned limit should be 60%. In case Qtly avg utilisation is less than 60% of sanctioned limit interest in the account will  applied on min 60% of the sanctioned lim quaterly	NA
11.6	Early redemption / prepayment fee	NIL	NIL	NA
11.7	Valuation Survey & Report fee	Actual fee charged by Valuer subject to borrower protection act	Actual fee charged by Valuer subject to borrower protection act	NA
11.71	Legal charges for creation of security documents	MUR1000 fac below MUR 0.5M MUR2500 fac below MUR5M MUR5000 fac above MUR5M	MUR1500 fac below MUR 0.5M MUR3000 fac below MUR5M MUR6000 fac above MUR5M	NA
11.8	Documentation charges	Actual fee + MUR1000	Actual fee + MUR1500	NA
11.9	Gages sans deplacement	Actual fee + MUR1000	Actual fee + MUR1500	NA
11.91	Registration/Erasure of charges	Actual fee + MUR1000	Actual fee + MUR1000	NA
12	Guarantees
12.1	Performance bonds Up to MUR5.0M	1.50% p.a.	1.50% p.a.	NA
12.2	Tender / bid bonds Up to MUR5.0M	1.50% p.a.	1.50% p.a.	NA
12.3	Advance payment bonds Up to MUR5.0M	1.50% p.a.	1.50% p.a.	NA
12.4	Retention money bonds / guarantees Up to MUR5.0M	1.50% p.a.	1.50% p.a.	NA
12.5	Shipping guarantee Up to MUR5.0M	1.50% p.a.	1.50% p.a.	NA
12.6	Guarantee above Rs5.0M	1.00% p.a.	1.00% p.a.	A
D	GENERAL SERVICES
13	Treasury Bills
13.1	Account opening fee	NA	NA	NA
13.2	Transaction fee	NA	NA	NA
14	Debit cards
14.1	Annual fee	NA	NA	NA
14.2	Replacement of lost/stolen cards	MUR200.	NA	NA
14.21	Reissuance of PIN	MUR150.	NA	NA
14.3	ATM Withdrawals
14.4	Bank’s own ATMs	NIL	NIL	NIL
14.5	Other Banks ATMs in MTIUS	MUR50.	NA	NA
14.6	Other Banks ATMs Out MTIUS	MUR100	NA	NA
14.7	Balance Inquiry/Mini Statement ON US	MUR1	NA	NA
14.8	Balance Inquiry OFF US	MUR10	NA	NA
15	Others
15.1	Telegraphic transfer / SWIFT Transfer	MUR350 or equivalent in USD +out of pocket exp of 1.00% of the amount	MUR350 or equivalent in USD +out of pocket exp of 1.00% of the amount	NA
15.2.1	MACSS facility	MUR150	MUR150	NA
15.2.2	Remittance to India BOB to BOB	MUR50	NA	NA
15.2.3	Remittance to India BOB to NON BOB	MUR75	NA	NA
15.3	Audit confirmation certificate	MUR1000	MUR2500	NA
15.4	Testimonial / Banker’s reference fee	MUR100.00	MUR100.00	NA
15.5	Letter of reference	MUR100.00	MUR100.00	NA
15.6	Payroll fee	NA	NA	NA
15.7	Internet/Mobile banking fee	NIL	NIL	NA
15.8	Duplicate statement of account	MUR50 per sheet	MUR100 per sheet	NA
15.9	Standing Instructions
15.91	SI Internal transfer	MUR15.00	MUR15.00	NA
15.92	SI Transfer to other banks	MUR30.00	MUR30.00	NA
15.93	Inter Bank EFT Incoming	NA	NA	NA
15.94	Inter Bank EFT Outgoing	MUR25	MUR25	NA
15.95	Direct Debits with MRA Utility bills Others	MUR6 MUR6 MUR8	MUR6 MUR6 MUR8	NA
15.94	Unpaid SI due to insufficient funds	MUR150	MUR150	NA
16	Purchase of foreign cheques / bank drafts
16.1	DD INR up to INR25000	NA	NA	NA
16.2	DD between INR 25K to INR100K	NA	NA	NA
16.21	DD between INR100K to INR400K	NA	NA	NA
16.22	DD above INR400K	NA	NA	NA
16.3	DD Other Currencies	NA	NA	NA
16.4	Office cheque issuance	MUR200	MUR200	NA
16.5	Cheque book facility	MUR6. per leaf	MUR7 per leaf	NA
17	Cheque returned
17.1	Inward	MUR100	MUR100	NA
17.2	Outward	MUR300	MUR300	NA
17.3	Stop payment orders	MUR100 per cheque	MUR100 per cheque	NA
18	Safe Deposit Lockers
18.1	Type A	MUR2000+vat	MUR2000+vat	NA
18.2	Type B	MUR3000.00+vat	MUR3000.00+vat	NA
18.3	Type C	MUR3500.00+vat	MUR3500.00+vat	NA
18.4	Type D	MUR3500.00+vat	MUR3500.00+vat	NA
18.5	Type E	MUR4000.00+vat	MUR4000.00+vat	NA
18.6	Type F	MUR4500.00+vat	MUR4500.00+vat	NA
18.7	Type H	MUR5500.00+vat	MUR5500.00+vat	NA
18.8	Type L	MUR6500.00+vat	MUR6500.00+vat	NA
18.91	Night safe	NA	NA	NA
18.92	Locker access fee more than 12 times in a year	MUR100/occasion	MUR100/occasion	NA
18.93	Break open Fees/Key replacement	Acutual cost +Serce charge of MUR2000	Acutual cost +Serce charge of MUR2000	NA
18.94	Reminders for non payment of locker rents	MUR200+Postages	MUR200+Postages	NA
18.95	Penalty for Late Payment of Rent Rent <= MUR3000	MUR20/months for 1st 3mtn thereafter MUR30/month	MUR20/months for 1st 3mtn thereafter MUR30/month	NA
18.96	Penalty for Late Payment of Rent Rent >MUR3000	MUR30/months for 1st 3mtn thereafter MUR50/month	MUR30/months for 1st 3mtn thereafter MUR50/month	NA
18.97	Rent paid in Advance for 3 years and above	Case to case basis Max Disc of 10%	Case to case basis Max Disc of 10%	NA
19	Merchant UPI and Maucas Static Code
19.1	Installation charge	NA	NA	NA
19.2	Monthly rent	NA	NA	NA
19.3	Issuance of Local QR code MDR for Bank’s account holders	0.75%+VAT/transaction amount	0.75%+VAT/transaction amount
19.4	Issuance of Local QR code MDR for other Banks account holder	1%+VAT/transaction amount	1%+VAT/transaction amount	NA
19.5	Issuance of UPI QR code MDR for Bank’s account holders	2%+VAT/transaction amount	2%+VAT/transaction amount