FEES AND SERVICE CHARGES APPLICABLE AS FROM 01 APRIL 2022

Individuals Corporate Others
A Interest Rates      
1.1 Savings Dep MUR 0.40% 0.00% NA
1.11 Savings Dep (FCY) 0.00%-0.10% 0.00%-0.10% NA
1.2 Term Dep (MUR) 0.50%-1.40% 0.50%-1.40% NA
1.4 Term Dep (FCY)      
1.41 Term Dep (USD) 0.50% 0.50% NA
1.42 Term Dep (GBP) 0.50% 0.50% NA
1.43 Term Dep (EURO) 0.00% 0.00% NA
2 Credit Facilities(MUR)
2.1 Prime Lending Rate 4.95% 4.95% 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 NIL NIL NA
4.2 Minimum credit balance to earn interest Rs5,000.00 Rs10,000 NA
  Monthly service charges if credit balance falls below minimum balance NIL NIL NA
4.3 Cost of cheque book Rs5.00 per leaf Rs5.00 per leaf NA
4.4 Dormant/Inoperative charges Rs500 Rs500 per half year NA
5 Current Account
5.1 Minimum account opening balance Rs5,000.00 Rs5,000.00 NA
5.2 Cost of cheque book RS5.00 per leaf Rs5.00 per leaf NA
5.3 Monthly service charges Min Rs100.00 Max Rs1000.00 per half year   NA
5.4 Min Balance Charge Rs100.00 Rs500.00 NA
6 Call Deposit Account
6.1 Minimum balance NA NA NA
6.2 Minimum credit balance to earn interest NA NA NA
6.3 Monthly service charges NA NA NA
6.4 Dormant/Inoperative charges Rs500.00 Rs500.00  
7 Term deposits (MUR)
7.1 Minimum amount Rs25,000.00 Rs100,000.00 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7.2 Deposit withdrawn before maturity within 3 months Interest will be paid 1% below card rate for completed period Will be forfeited NA
7.3 Deposit withdrawn before maturity after 3 months Interest will be paid 1% below card rate for completed period Interest will be paid 1% below card rate for completed period NA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 USD1000 USD1000 NA
8.12 Minimum amount GBP GBP100 GBP100 NA
8.13 Minimum amount EURO 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8.21 Deposit withdrawn before maturity USD Interest will be paid at agreed rate for completed period Interest will be paid at agreed rate for completed period NA
8.22 Deposit withdrawn before maturity GBP Interest will be paid at agreed rate for completed period Interest will be paid at agreed rate for completed period NA
8.23 Deposit withdrawn before maturity EUR NIL NIL NA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
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%, Min Rs.500.00 Max Rs2,000.00 NA  
11.11 Home Loans 1.00% NA  
11.2 Others 1.00% 1.00% 1.00%
11.21 Renewal 0.5% of Review limit 0.5% of Review limit 0.5% of Review limit
11.22 Amendment fee Rs500.00 per modification borrower induced Rs1000.00 per modification borrower induced  
11.3 Arrangement fee NIL NIL NA
11.4 Ledger fee Rs2.00 per tran + VAT Saving Non Ind, OD/CA Hyearly NA  
11.5 Commitment fee NIL NIL 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 NA  
11.71 Legal charges for creation of security documents      
11.8 Documentation charges NIL NA  
11.9 Gages sans deplacement Min Rs.500.00 + regn chg   NA
11.91 Registration/Erasure of charges Min Rs.500.00 +actual charge   NA
12 Guarantees
12.1 Performance bonds Up to Rs5.0M 0.125% pm Min 6mths charge or Rs.500.00   NA
12.2 Tender / bid bonds Up to Rs5.0M 0.125% pm Min 6mths charge or Rs.500.00   NA
12.3 Advance payment bonds Up to Rs5.0M 0.125% pm Min 6mths charge or Rs.500.00   NA
12.4 Retention money bonds / guarantees Up to Rs5.0M 0.125% pm Min 6mths charge or Rs.500.00   NA
12.5 Shipping guarantee Up to Rs5.0M 0.125% pm Min 6mths charge or Rs.500.00   NA
12.6 Guarantee above Rs5.0M 1.0% pa Min 6mths charge   NA
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 Rs200.00 NA NA
14.21 Reissuance of PIN Rs150.00 NA NA
14.3 Withdrawals
14.4 Bank’s ATMs NIL NIL NIL
14.5 Other Banks ATMs in MU Rs50.00 NA NA
14.6 Other Banks ATMs Out MU Rs100.00 NA NA
14.7 Balance Inquiry/Mini Statement ON US Rs1.00 NA NA
14.8 Balance Inquiry OFF US Rs10.00 NA NA
15 Others
15.1 Telegraphic transfer / SWIFT Transfer 1.00% 1.00% NA
15.2.1 MACSS facility Rs150.00 Rs200.00 NA
15.2.2 Remittance to India
BOB to BOB
Rs25.00 NA NA
15.2.3 Remittance to India
BOB to NON BOB
Rs50.00 NA NA
15.3 Audit confirmation certificate Rs500.00 Rs500.00 NA
15.4 Testimonial / Banker’s reference fee Rs100.00 Rs100.00 NA
15.5 Letter of reference Rs100.00 Rs100.00 NA
15.6 Payroll fee NA NA NA
15.7 Internet banking fee NIL NIL NA
15.8 Duplicate statement of account Rs.50 per sheet Rs.100 per sheet NA
15.9 Standing Instructions
15.91 Internal transfer Rs15.00 Rs15.00 NA
15.92 Transfer to other banks Rs30.00 Rs30.00 NA
15.93 Direct Debits on utility bill Rs4.00 Rs4.00 NA
15.94 Unpaid SI due to insufficient funds Rs100.00 Rs100.00 NA
16 Purchase of foreign cheques / bank drafts
16.1 DD INR up to INR25000 Rs150.00 Rs150.00 NA
16.2 DD between INR 25K to INR100K Rs200.00 Rs200.00 NA
16.21 DD between INR100K to INR400K Rs300.00 Rs300.00 NA
16.22 DD above INR400K Rs400.00 Rs400.00 NA
16.3 DD Other Currencies 0.30% Min 10 Max 500 0.30% Min 10 Max 500 NA
16.4 Office cheque issuance Rs100.00 Rs100.00 NA
16.5 Cheque book facility Rs5.00 per leaf Rs5.00 per leaf NA
17 Cheque returned
17.1 Inward Rs100 Rs100 NA
17.2 Outward Rs300 Rs300 NA
17.3 Stop payment orders Rs50.00 per cheque Max Rs500.00 Rs100.00 per cheque Max Rs1000.00 NA
18 Safe Deposit Lockers
18.1 Type A Rs1250.00+vat Rs1250.00+vat NA
18.2 Type B Rs2000.00+vat Rs2000.00+vat NA
18.3 Type C Rs2400.00+vat Rs2400.00+vat NA
18.4 Type D Rs3500.00+vat Rs3500.00+vat NA
18.5 Type E Rs4000.00+vat Rs4000.00+vat NA
18.6 Type F Rs4500.00+vat Rs4500.00+vat NA
18.7 Type H Rs5500.00+vat Rs5500.00+vat NA
18.8 Type L Rs6500.00+vat Rs6500.00+vat NA
18.9 Night safe NA NA NA
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