Deposit Accounts
NATURE |
RATE OF INTEREST |
MINIMUM BALANCE |
|
NORMAL |
SENIOR CITIZEN |
RURAL |
SEMI URBAN |
URBAN |
ACCOUNT |
|
|
|
|
|
1. Savings Bank Account |
A. Domestic |
|
a. with cheque book facility |
3.5% |
3.5% |
Rs 500 |
Rs 500 |
Rs 500 |
b. without cheque book facility |
3.5% |
3.5% |
Rs 50 |
Rs 100 |
Rs 100 |
c. No Frills Account |
3.5% |
3.5% |
0 |
0 |
0 |
B. Non Resident |
|
a. NRO |
|
|
|
|
|
b. NRE |
3.5 % |
|
|
|
|
Rate of Interest (ROI) on Bulk Deposit Rates for Rs.1 Crore + (w.e.f : 22.04.09)
|
Period |
Rate of Interest |
| 7 days to 14 days |
2.00 % |
| 15 days to 29 days |
2.00 % |
| 30 days to 45 days |
2.00 % |
| 46 days to 90 days |
3.00% |
| 91 days to 179 days |
3.50% |
| 180 days to 269 days |
4.50% |
| 270 days to 364 days |
5.50% |
| 1 Year + |
6.00 % |
Term Deposits
Sl No |
Revised w.e.f. 10th December 2009 |
Period of Deposit
(for amt. of deposit below Rs. 1 crore) |
Other than Sr. Citizen |
Addl Rate for Sr. Citizen |
1 |
15 days to 29 days |
1.75 |
0.00 |
2 |
30 days to 45 days |
2.00 |
0.00 |
3 |
46 days to 60 days |
3.00 |
0.00 |
4 |
61 days to 90 days |
3.00 |
0.00 |
5 |
91 days to 180 days |
4.25 |
0.00 |
6 |
181 days to 269days |
5.00 |
0.00 |
7 |
270 days to less than 1 yr |
5.00 |
0.00 |
8 |
1year to less than 2 yr |
5.75 |
0.50 |
9 |
2 years and less than 3 yrs |
5.75 |
0.50 |
10 |
3 years & less than 5 yrs |
6.00 |
0.50 |
11 |
5 years and above |
6.25 |
0.50 |
No |
Revised w.e.f 22.04.2009 |
Period of Deposit |
Other than Sr. Citizen |
Additional Rate for Sr. Citizen |
Deposit of Rs 1.00 crore & above |
1 |
46 days to 90 days |
3.00 |
0.00 |
2 |
91 days to 179 days |
3.50 |
0.00 |
3 |
180 days to 269days |
4.50 |
0.00 |
4 |
270 days to 364 days |
5.50 |
0.00 |
5 |
1year & above |
6.00 |
0.50 |
Penalty for Premature withdrawal
For Retail Deposits (below Rs 100 lac):
| Particular |
Penalty |
If premature withdrawn within 14days from date of deposit |
No interest will be paid |
If premature withdrawn beyond 14days from date of deposit |
1.00% penal interest will be levied |
A. NRE term deposit rate of interest % p.a (Revised w.e.f 01.11.2009)
Period |
Rate of Interest |
1 year to less than 2 years
|
2.95% |
2 years to less than 3 years
|
3.05% |
3 years to upto 5 years
|
3.65% |
|
Note : The rates will apply to fresh and renewed NRE term deposits only |
B. Non Resident Accounts
|
Rate of Interest (Revised w.e.f. 01.11.09) |
|
1 year & above but < 2 years |
2 years & above but < 3 years |
3 years & above but < 4 years |
4 years & above but < 5 years |
For 5 years
(Maximum) |
a. FCNR (b) |
|
|
|
|
|
i) USD |
2.20% |
2.30% |
2.90% |
3.38% |
3.74% |
ii) GBP |
2.17% |
2.95% |
3.60% |
4.03% |
4.30% |
iii) EUR |
2.23% |
2.84% |
3.28% |
3.57% |
3.81% |
1. Lockers
Locker Type |
Dimension of locker units
(Height x Width x Depth in inches) |
Volume of locker units
(in cubic inches) |
Metro / Urban |
Semi-Urban / Rural |
A |
4 ½`` x 5 7/8`` x 20 3/8`` |
539 |
550 |
500 |
B |
5 13/16`` x 7 1/4 ``x 20 3/8`` |
859 |
750 |
700 |
C |
4 ½`` x12 15/18`` x 20 3/8`` |
1186 |
850 |
775 |
D |
7 ½`` x 5 7/8`` x 20 3/8`` |
1337 |
1100 |
1050 |
H1 |
12 3/8`` x 7 ¼``x 20 3/8`` |
1828 |
1300 |
1250 |
E |
5 13/16`` x 15 13/16`` x 3/8`` |
1878 |
1300 |
1250 |
F |
10 ½ x 12 15/16`` x 20 3/8`` |
2644 |
2000 |
1800 |
G |
7 x19 15/16`` x 20 3/8`` |
2766 |
2300 |
2100 |
H |
12 3/8`` x 15 13/16`` x 20 3/8`` |
3987 |
2700 |
2600 |
L |
15 ½`` x 19 15/16`` x 20 3/8`` |
6297 |
4500 |
4200 |
2. United International Debit Cards (Revised from 15th Oct. 2009)
A. Transaction Charges At ATMs:
| ATM Type |
Cash Withdrawal
(per transaction) |
Balance Enquiry
(per occasion) |
United Bank ATMs |
Free |
Free |
Visa ATMs (Abroad) |
Rs.125.00 |
Rs.30.00 |
Category of Service |
Limit on per transaction amount.
|
No of cash withdrawals free of cost.
|
Charges applicable for cash withdrawal beyond free limit.
|
Cash withdrawal from UBI ATMs |
As existing |
As existing |
As existing/ No Charges |
Cash withdrawal from other Bank ATMs |
Rs.10,000.00 |
5 per month |
Rs.20.00 |
B: Debit Card Charges:
Activity |
Charge in INR |
Issuance of Primary Card |
Free |
Issuance of Add on Card |
100.00 + Service Tax |
Annual Charge |
1st Year---Free
2nd Year onwards--50.00 + Service Tax |
Duplicate card |
150.00 + Service Tax |
Re-PIN |
50.00 + Service Tax |
Charge slip retrieval charges |
300.00 + Service tax--per charge slip |
Account overdrawn charges |
100.00 + Service tax--per occasion |
Surcharge |
2.5% -on transactions at petrol pumps |
C: Other Information:
Activity |
Limit in INR |
Minimum balance to be maintained for issuance of card |
1000.00 |
Maximum permissible cash withdrawal per day from ATM |
15000.00 |
Maximum permissible shopping at POS (Merchant Establishment/shop) |
15000.00 |
Maximum no. of Transactions per day |
5 |
3. Drafts / TT / MT
Nature of Service |
Service Charge
(Inclusive of Service Tax) |
ISSUE OF DEMAND DRAFT / MAIL TRANSFER / TT
(NOT AGAINST TENDER OF CASH) |
Upto Rs.1000/= |
Rs.17/= |
Above Rs.1000/= upto Rs.5000/= |
Rs.28/= |
Above Rs.5000/= upto Rs.10000/= |
Rs.34/= |
Above Rs.10000/= upto Rs.100000/= |
Rs.2.25 per thousand or part thereof with a minimum of Rs.34/= |
Above Rs.100000/= |
Rs.1.70 per thousand or part thereof with a minimum of Rs.225/= |
Nature of Service |
Service Charge
(Inclusive of Service Tax) |
ISSUE OF DEMAND DRAFT / MAIL TRANSFER / TT
(AGAINST TENDER OF CASH) |
Upto Rs.1000/= |
Rs.22/= |
Above Rs.1000/= upto Rs.5000/= |
Rs.39/= |
Above Rs.5000/= upto Rs.10000/= |
Rs.51/= |
Above Rs.10000/= upto Rs.100000/= |
Rs.2.80 per thousand or part thereof with a minimum of Rs.51/= |
Above Rs.100000/= |
Rs.2.25 per thousand or part thereof with a minimum of Rs.280/= |
For cash DD/MT/TT for Rs.50,000/- and above during any one day, PAN/ GIR No. is to be quoted. If not quoted Form 60 or Form 61 is to be obtained. For TT – Rs.100/- to be charged extra as cost of TT.
Nature of Service |
Service Charge
(Inclusive of Service Tax) |
ISSUE OF BANKERS’ CHEQUE / PAY ORDER
(NOT AGAINST TENDER OF CASH) |
Upto Rs.1000/= |
Rs.17/= |
Above Rs.1000/= upto Rs.5000/= |
Rs.28/= |
Above Rs.5000/= upto Rs.10000/= |
Rs.34/= |
Above Rs.10000/= upto Rs.100000/= |
Rs.1.70 per thousand or part thereof with a minimum of Rs.34/= |
Above Rs.100000/= |
Rs.1.20 per thousand or part thereof with a minimum of Rs.170/= |
Nature of Service |
Service Charge
(Inclusive of Service Tax) |
ISSUE OF BANKERS’ CHEQUE / PAY ORDER
(AGAINST TENDER OF CASH) |
Upto Rs.1000/= |
Rs.22/= |
Above Rs.1000/= upto Rs.5000/= |
Rs.34/= |
Above Rs.5000/= upto Rs.10000/= |
Rs.45/= |
Above Rs.10000/= upto Rs.100000/= |
Rs.2.50 per thousand or part thereof with a minimum of Rs.45/= |
Above Rs.100000/= |
Rs.1.70 per thousand or part thereof with a minimum of Rs.253/= |
For cash Bankers’ Cheque / Pay Order for Rs.50,000/- and above during any one day, PAN/ GIR No. is to be quoted. If not quoted Form 60 or Form 61 is to be obtained.
Nature of Service |
Service Charge
(Inclusive of Service Tax) |
ISSUE OF FRESH DEMAND DRAFT / PAY ORDER
(in lieu of lost instrument) |
Upto Rs. 1,00,000/- |
Rs. 60/- per instrument |
Above Rs. 1,00,000/- |
Rs. 125/- per instrument |
Nature of Service |
Service Charge
(Inclusive of Service Tax) |
REVALIDATION / CANCELLATION OF DEMAND DRAFT / PAY ORDER |
Rs.50/- per instrument |
4. Outstation Cheque Collection
Nature of Service |
Service Charge
[Inclusive of Service Tax] |
Upto Rs. 10000 |
Rs. 50 per instrument |
Above Rs. 10000 to Rs. 100000 |
Rs. 100 per instrument |
Above Rs. 100000 |
Rs. 150 per instrument |
5. NEFT / RTGS Money Transfer
Nature of Service |
Service Charge |
RTGS [Real Time Gross Settlement] |
Inward RTGS transactions |
No Charge |
Outward RTGS |
|
Rs. 1,00,000 to Rs. 5,00,000 |
Rs. 25 per transaction |
Above Rs. 5,00,000 |
Rs. 50 per transaction |
Nature of Service |
Service Charge |
NEFT [National Electronic Fund Transfer]* |
Inward NEFT transactions |
No Charge |
Outward NEFT |
|
upto Rs.1,00,000 |
Rs. 5 per transaction |
above Rs.1,00,000 |
Rs. 25 per transaction |
Nature of Service |
Service Charge |
ECS [Electronic Clearing Service] |
Inward ECS transactions |
No Charge |
ECS debit returns |
Rs. 100/- uniformly per transaction for all
reasons attributable to the drawer. |
Nature of Service |
Service Charge |
COLLECTION OF OUTSTATION CHEQUE |
Upto Rs. 10000 |
Rs. 50 per instrument |
Above Rs. 10000 to Rs. 100000 |
Rs. 100 per instrument |
Above Rs. 100000 |
Rs. 150 per instrument |
The above charges are excluding Service Tax.
6. Cheque Return Charges
Rs. 100/- uniformly per instrument for all reasons attributable to the drawer.
7. Cheque Book Issue
Nature of Service |
Service Charge
(Inclusive of Service Tax) |
Savings Bank |
MICR |
Rs.2.50 per cheque leaf (one cheque book of 20 leaves Free in a calendar year including Multi-City cheque book) |
NON-MICR |
Rs.2.50 per cheque leaf (one cheque book of 20 leaves Free in a calendar year) |
For issuing PDCs in favour of our Bank |
No Charge |
United Basic Savings Bank Account |
For availing cheque book facility, a minimum balance of Rs 250/- is to be maintained in the account |
one cheque book of 10 leaves Free in a calendar year |
Current Deposit / OD / CC |
MICR |
Rs.2.50 per cheque leaf |
NON-MICR |
Rs.2.50 per cheque leaf |
United Gold Current Account |
MULTI CITY CHEQUE |
One Cheque Book of 25 leaves Free per month |
United Platinum Current Account |
MULTI CITY CHEQUE |
Two Cheque Books of 25 leaves each Free per month |
8. No Dues Certificate
Nature of Service |
Service Charge
(Inclusive of Service Tax) |
ISSUANCE OF NO-DUES / NO-OBJECTION CERTIFICATE |
Priority Sector |
Per Certificate |
Rs. 10/- per certificate |
Non-Priority Sector |
Per Certificate |
Rs. 150/- per certificate |
|
