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/-