CA - Money Ruby

Requirement of Balance:

Monthly Average Balance (MAB) # to be maintained

Rs. 1,00,000/-

Daily Minimum Balance (DMB) * to be maintained

-N.A-

-N.A-

#MAB is average of daily closing balance over the number of days in the month & calculated at the end of the month.

*DMB is end of the day balance.

Facilities Available:

Cash Deposits

At Base branch*

Free

At Non-Base branch:

(by a/c holder or person authorized by him) only.

Free upto Rs. 10 lacs per month

Cash Withdrawal

At Base branch*:

Free

At Non-Base branch:

Free up to Rs. 1 lac per day

Maximum cash withdrawal allowed per day 'By Self' is less than Rs.10 Lakhs in all schemes.

Maximum cash withdrawal allowed per day through 3rd party cheques is Rs.15000/- for CA Gen account and Rs.50,000/- per day for all other schemes.

Payment of Multi City Cheques (through clearing & transfer)

At Speed Clearing Centres*:

Free

At all other centres:

Per month, free, up to Rs.150 lacs or 200 transactions whichever is lower.

DD/ Local DD

DD/ Local DD ¿

(Issued from Base Branch only)

Free up to Rs.10 lacs per day.

Number of free DDs / Local DDs should not be more than 50 per month. Thereafter from the next transaction onwards charges as indicated are applicable even if the aggregate value is within the free limit.

Fund Transfer within the Bank (from Base branch).

Within the same clearing zone*:

Free

Outside the Clearing Zone :

Per day, free upto Rs.20 Lakhs or 20 transactions whichever is lower.

Inter Bank Fund Transfer

Payment through RTGS/NEFT systems (from base branch):

Per month, free up to Rs.50 lacs or 100 transactions whichever is lower.

Collection through NEFT and RTGS*

Free

Cheque Collection

Local Cheques ¿ deposited at base location ¿ payable within the clg zone

Free

Outstation cheque collection. (Cheques can be deposited for collection at Any Branch)

Free up to Rs30 lacs per month.

Number of instruments under the free limit should not be more than 100 per month. Thereafter, from the next transaction onwards, charges as indicated are applicable, even if the aggregate value is within free limit.

While calculating Free limit, the Cheques deposited at base branch as well as non-base branches will be considered.

Other Facilities:

Monthly e-statement of account ¿ on request

Free

Internet Banking ¿ Moneyclick (for eligible accounts)

Free Registration

SMS Alerts, if subscribed.

SMS Alert on debit transactions of Rs.25,000/- and above ¿ Free till - 15.10.2010.

Debit Card

Money Plant Visa International Debit Card is available to eligible account holders.

Charges for non maintenance of Minimum Balance / Average Balance:

Charges for non-maintenance of stipulated MAB

Rs.1,500/- p.m.

The account will be converted into a Normal account if the default persists for three consecutive months

Charges for non-maintenance of stipulated DMB

-N.A-

Cheque Book Charges

Non-MICR/MICR /Multi-City cheques

75 cheque leaves free per calendar year thereafter, Rs.3/- per cheque leaf

Stop payment charges

Rs.25/- per instrument

Statement of Account:

If Daily only

Rs.15/- per page irrespective of number of entries

If Weekly only

Rs.10/- per page irrespective of number of entries

If Monthly only

Free (Free monthly e-statements are also available*)

Transaction Charges applicable above the Free Limit:

**Cash deposit at base branch ¿ Cash Handling Charges

For Deposit in a single day Upto Rs.3 Lakh ¿ Free

Rs.3 Lakh to Rs.10 Lakhs ¿ Rs.100/- per Lakh

Above Rs.10 Lakhs ¿ Rs.200 per Lakh. ((Even if the amount deposited is below Rs.3 Lakhs, if the number of packets of currency is more than 30 (3000 pieces), Rs.10/- per packet (100 pieces) will be collected)

Cash deposit at non-base branch

Rs.4/- per thousand or part thereof with a minimum of Rs.25/-

Cash Withdrawals at non ¿ base branches.

Rs.3/- per thousand or part thereof with a minimum of Rs.30/-

Cash withdrawals at Non-Base branches are allowed only with prior intimation and its approval by the paying branch and subject to a per day ceiling of below Rs.10 Lakhs.

Payment of multicity cheques at non-base non speed clearing centres

At all other centres: No free limit

Re.1/- per Rs.1000 or part thereof with a Min of Rs 10/-

Issue of Demand Draft

For local DD

Rs.2/- per 1000/- with a Min. of Rs.15/-

For DDs Payable outside the zone

Rs.1.50 per 1000/- with a Min. of Rs.15/- and Max. of Rs.7500/-

Funds transfer within the Bank (outside the clearing zone)

Rs.1/1000 minimum Rs.10/- and max. Rs.50/-

Inter bank Funds transfer

Through NEFT

Below Rs.1 Lakh - Rs.5/- ; Rs.1Lakh and above-Rs.25/-

Through RTGS

From Rs.1 Lakh to below Rs.5 Lakh -Rs.25/- ; Rs.5 Lakh and above -Rs.50/-

Out station Cheque collection

Upto Rs.10,000/- Rs.5/- per 1000/-. Min- Rs.20/-; Max- Rs.50/-

Above Rs.10,000/- upto Rs.1 Lakh ¿ Rs.3/- per 1000/-. Min- Rs.50/-; Max- Rs.100/-

Above Rs.1 Lakh ¿ Rs.150/-

Other Charges:

Any cheque dishonoured from the account for want of funds or any other reason attributable to the drawer.

Re.1/- per 1000/- of the amount of the instrument returned, or part there of subject to a minimum of Rs.100/-.

Charges on Deposited Cheques (collection)

Returned (Local):

Handling charges of Rs.50/- per instrument. Plus other bank charges if any & any other charges, service tax etc.

Charges on Deposited Cheques (collection)

Returned (Outstation) :

50% of actual OBC charges with a minimum of Rs.50/- plus other bank charges if any.