LIST OF PUNJAB HOLIDAYS
Under Negotiable Instruments Act

SR. NO.	DATE	DAY	NAME OF HOLIDAYS
1	26-Jan-2023	Thursday	Republic day
2	18-Feb-2023	Saturday	Maha ShivRatri
3	08-Mar-2023	Wednesday	Holi
4	23-Mar-2023	Thursday	Shaheedi Diwas S. Bhagat Singh, Sukhdev and Rajguru
5	01-Apr-2023	Saturday	Annual Closing of Bank Accounts (Bank Holiday)
7	04-Apr-2023	Tuesday	Mahavir Jayanti
8	14-Apr-2023	Friday	Ambedkar Jayanti
9	29-Jun-2023	Thursday	Id-ul-Zuha
10	15-Aug-2023	Tuesday	Independence Day
11	07-Sep-2023	Thursday	Janmashtami
12	02-Oct-2023	Monday	Mahatma Gandhi`s Birthday
13	24-Oct-2023	Tuesday	Dusshera
14	13-Nov-2023	Monday	Wishavkarma Day
15	27-Nov-2023	Monday	Guru Nanak Dev Ji Birthday
16	25-Dec-2023	Monday	Christmas

ATM & NEFT/RTGS Charges

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	ATM Charges	Annual ATM card charges ->1st year free ->2nd year – Rs.100/-	Same Charges
2	ATM Financial Txn	ATM Aquirer (Financial Txn) charges, after 5 transactions – Rs.21/- per transaction	Same Charges
3	ATM Non-Financial Txn	ATM Aquirer (Non Financial Txn) charges, after 5 transactions – Rs.7/- per transaction	Same Charges
4	New ATM card issue charges	1st ATM card is free	Same Charges
5		For reissue of ATM card – Rs.200/-	Same Charges
6	SMS Charges	Rs. 15/- per Quarter	Same Charges
7	RTGS/NEFT charges	No charges	No charges

Bank Gurantee Against Deposit Charges

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Bank Guarantee against deposit	Minimum charges Rs.500/-Up to Rs.500000- 2% p.a.Above Rs. 500000 – 1% p.a.Charges to be levied at the time of issuing of guarantee	Same Charges

Interest Certificate Charges

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Interest certificate/ Balance certificate	First copy- FreeSubsequent copy- Rs.100/-per copy	No charges

Photo Attestation and Signature Verification Charges

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Photo attestation charges	Rs.50/- for Saving AccountsRs.100/- for Current Accounts	No charges
2	Signatures verification charges	Rs.50/- for Saving AccountsRs.100/- for Current AccountsFree for- Students, Defence forces, War widows, Physically handicap & Signature attestation for ECS purpose	No charges

Account Closer Charges Saving/RD

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Account closer charges	Up to 1 year account Rs.500/-above 1 year account Rs.250/-No charges for deceased cases	No charges
2	Closing of RD A/c before maturity	Rs.100/-On account of death of customer no charges should be levied.	Same Charges
3	Penalty for late payment of RD installment	Penalty charges to be levied for delayed installments in Recurring Deposit Accounts @ Rs.2/- for Rs.100 p.m. irrespective of periodicity of deposit (Minimum Rs.20/-)	Same Charges

Cash Deposit in Current Account*

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Cash deposit in Current Account (except Govt./Coop. Institutions.)	No charges	No charges

Payments under CBS other than Parent Branch

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Payments under CBS Other than parent branchCash Payment/Deposits under CBSOther than parent branch customers.	No charges	No charges

Excess Debit Entries Charges in SB Account

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Charges for excess debit entries in SB Account	After 30 Manual Debit entries per half year, Rs.5/- per entryshould be debited by system,	No charges

Saving/Current Account->Cheque Book Charges

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Cheque Book charges Saving Bank A/c	One cheque book containing 20 leaves free per half year Rs.2.50/- per leaf for extra cheque.	Same charges
2	Cheque Book chargesCurrent A/c	No free cheque book is to be issued. Rs.3.00/- per leaf for each cheque.	Same charges

Saving/Current Account->Minimum Balance Charges

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Maintenanceof Minimum BalanceSaving Bank Deposits	The Customer who does not maintain minimum balance of Rs.500/- and Rs.1000/- withcheque book facility in his account the service charges shall be levied atthe following rates per month:Rs.100/- per month, will be debited every month.No charges for Senior Citizens.	No charges
2	Maintenanceof Minimum Balance Current Account	Min. balance Rs.5000/- is to be maintained.Rs.300/- per month, will be debited every month for non-maintenance ofminimum balance.	Same Charges

Account Statement and Duplicate Pass Book Charges

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Statement of account All types of accounts.	One statement for current month and proceeding month is free.Rs.50/- per statement for other months of current financial year.Rs.100/- per statement for proceeding financial years.No service charges for statement through own registered E-Mail.	No charges
2	Duplicate Pass Book	First Pass-Book free.Additional passbooks on completion of previous passbook is also free.Rs.100/- for issuing duplicate passbook on request.	Same charges

SAFE Custody and Locker Rent Charges

Sr No.	Detail of Services	Applicable Charges (For Customers)	Charges	Applicable Charges {For Bank Staff (Including Retired)}
1	SAFE CUSTODY CHARGES	Charges for sealed cover/envolpe is Rs.300/- per month for per cover/ envolpe.Charges for a box is Rs.600/- per month for per box.		Same Charges
2	LOCKER RENT	Small Locker	900/- p.a.	Concession of 50% charges in Locker rent. All other charges will remain same.
		Medium Locker	1500/-p.a.
		Big Locker	3000/- p.a.
		Extra Large Locker	5000/-p.a.
		No Lien
		Note: In case of loss of key of the Lockers, actual expenditure incurred for breaking open the locker and changing the lock by manufacturers of lockers, should be recovered from the account holders. Penalty charges per Quarter or part thereof:
		Small Locker	Rs.100/-
		Medium	Rs.300/-
		Big	Rs.500/-
		Extra Large	Rs.800/-
		* Any default will atract penalty charges for a full quarter.
		*The rent should become due w.e.f. 1st of succeeding month, in which the locker is leased out. One month may be allowed for payment of rent due.

Standing Instructions and STOP Payment Instructions

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	STANDING INSTRUCTIONS	Rejection/Failure charges are Rs.50/- per instruction once during a month.For RD account rejection charges are Rs.25/- per instruction once during a month.	No charges
2	STOP PAYMENT INSTRUCTIONAll types of accounts	Per instrument Rs.100/-andRs.50/- for additional each instrument in a single instance.	Same Charges

Issuance/Cancellation of Banker Cheque /Pay Order/DD

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Issuance of Banker cheque/ Pay order/DD	Up to Rs.10000/- Rs.50/- Above Rs 10000/- Rs.50/- plus Rs.3/- per thousand for amount above Rs.10000/- Maximum Rs.10000/- Branch Manager is authorized to waive charges to Govt./Semi-Govt./ Cooperative Institutions, having good amount of deposit.	Every Staff Member is entitled for one free draft/ payorder of any amount in a month
2	Issuance of Duplicate Banker’s cheques/DDs	Rs.100/-	No charges
3	Revalidation/Cancellation Of Pay order/DDs	Rs.50/-	No charges

Cheques/ECS- Outward Inward

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Outward Cheques/Bills returned unpaid	Charges for outward Cheques/Bills Clearing Returns, outward loan Cheques return. Rs.100/- per instrument	Same Charges
2	Inward Cheques/Bills return unpaid	Rs.100/- per instrument.	Same Charges
3	ECS outward and inward clearing return	Rs.100/- per instrument	Same charges

Collection of Outstation Cheques/Bills

Sr No.	Detail of Services	Applicable Charges (For Customers)	Applicable Charges {For Bank Staff (Including Retired)}
1	Collection of Outstation Cheques	Up to Rs. 5000/- Rs 25/- From Rs 5001/- to Rs 10000/- Rs.50/- From Rs10000/- to Rs 100000/ Rs 100 Above Rs100000/- Rs150/- Above charges are per instrument.	Same charges
2	Collection of Bills	Up to Rs. 10000 Rs. 50/- plus Postal charges Rs. 10001 and above Rs.6/- per thousand, Min 100/- and Max. 12000/- plus postage. No collection charges to be levied for collection of local cheques/drafts. However, out of pocket expenses be recovered in full. Collection charges in cases of outstation cheques/bills should be levied on the gross amount of instrument. Further, No charges to be taken from Senior Citizens/pensioners for collection of pension up to Rs 10000/-	Same charges