પ્રિય ગ્રાહક, જો તમારા એકાઉન્ટ માંથી તમારી સંમતિ વગર નાણાં ડેબિટ થયા હોય તો(Fraud), તાત્કાલિક Online Transaction સેવા બંધ કરવા માટે SMS to 9607877466 STOP(SPACE) (XXXXXX) Last 6 Digit A/C Number.

Dear Customer, Outward IMPS/NEFT is now available 24*7*365 on Mobile Application and Net Banking.

જો આપની સાથે ઑનલાઈન નાણાંકીય ફ્રોડ કે અન્ય સાયબર ક્રાઈમ થાય છે તો તુરંત 24 કલાક કાર્યરત સાયબર ક્રાઈમ ફરિયાદ નંબર 1930 પર કોલ કરો અથવા નેશનલ સાયબર ક્રાઈમ રિપોર્ટિંગ પોર્ટલ (NCCRP) www.cybercrime.gov.in વેબ સાઈટ પર ફરિયાદ કરી શકો છો.

Beware of phishing, vishing and smishing frauds! Bank officials will NEVER ask sensitive information i.e. OTP, passwords, PIN, card details, CVV, etc. DO NOT share these details with anyone over phone, SMS or email.

"AMCO SAATHI" Scheme for MSME finance up to Rs. 89.00 Lakh Working capital/Term Loans for new/takeover accounts. ROI starting @7.75%* Zero processing Charges. T&C Apply. Contact Nearest Branch.

Dear Customer,You can block ATM Card through Mobile,Netbanking or by SMS as BLOCK (space) (15 Digit A/c Number) to 8750587505 from registered mobile.

Dear Customer, ensure registering your mobile and email with your account to get updates and alerts in time.

પ્રિય ગ્રાહક, આરબીઆઈ ના આદેશ મુજબ w.e.f 01-01-2021 Rs. 50,000 કે તેથી વધુ ના ચેક લખતા પહેલા Positive Pay System (PPS) રજીસ્ટ્રેશન કરવું જરૂરી છે. આ રજીસ્ટ્રેશન બેંક ના ઈન્ટરનેટ બેન્કિંગ અથવા મોબાઈલ બેન્કિંગ લોગ-ઈન થી કરી શકો છો.

The Ahmedabad Mercantile Co-operative Bank Ltd.
Multi State Scheduled Bank

Service Charges

Sr.	Particulars	Rates (Plus GST as applicable)
01	Issue of Duplicate Demand Drafts	Rs. 100/- per instrument
02	Revalidation/Cancellation of Drafts	Rs. 50/- per instrument
03	Loan Recovery Post dated Cheq. Return	Rs. 250/-
	Outward cheque return charges (For all types of accounts other that term loan)
	Up to Rs.1,00,000/-	Rs.100/-
	Above Rs.1,00,000/- up to Rs.5,00,000/-	Rs.200/-
	Above Rs.5,00,000/-	Rs.300/-
04	Stop payment Instructions	Rs. 100/-per instrument
05	NACH Mandate Charges	Rs. 100/- per transaction
06	A/c Closure Charges	Rs. 100/- if a/c is closed before 12 months (except no-frill a/cs) of opening
07	Issue of Duplicate Pass Book	Rs. 50/- per pass book with transaction for the current year only. Rs. 20/- per each previous year
08	Issue of Duplicate Statement	Rs.30/- per page
09	Enquiry relating to old records (if the enquiry is for an item more than 12 months old)	Rs. 50/- per page (maximum Rs.500/-)
10	For issuance of No Dues Certificate	Rs. 100/-per certificate
11	Issue of Solvancy Certificate
	Up to Rs.5.00 lakh	Rs.1000/-
	Above Rs.5.00 lakh & Up to Rs.10.00 lakh	Rs.1500/-
	Above Rs.10.00 lakh & Up to Rs.25.00 lakh	Rs.2500/-
	Above Rs.25.00 lakh & Up to Rs.50.00 lakh	Rs.5000/-
	Above Rs.50.00 lakh & Up to Rs.100.00 lakh	Rs.8000/-
	Above Rs.100.00 lakh & Up to Rs.300.00 lakh	Rs.10000/-
	Above Rs.300.00 lakh & Up to Rs.500.00 lakh	Rs.15000/-
	Above Rs.500.00 lakh	Rs.20000/-

12	Issue of Cheque Books
	SB A/cs	1 Cheque Book (15L)every 2 month free thereafter Rs.2 per cheque leaf
	Current A/cs	Rs. 3/- per cheque leaf (If average balance Rs.1/- Lakh quarterly maintained-No Charge)
	OD(FD)/CC/Hypo/BD A/cs	Re. 3/- per cheque leaf
13	Any Type Of Certificate Issue	Rs. 100/-
14	Confidential Report Charges	Rs. 500/-
15	Signature Verification Charges	Rs. 50/-

16	Inward Cheque Return Charges (For inadequate Balance in the A/c)
Savings
Up to Rs.1,00,000/-	Rs.200/-
Up to Rs.2,00,000/-	Rs.250/-
Above Rs.2,00,000/- up to Rs.5,00,000/-	Rs.500/-
Above Rs.5,00,000/-	Rs.1000/-
Other accounts
Up to Rs.2,00,000/-	Rs.300/
Above Rs.2,00,000/- up to Rs.5,00,000/-	Rs.700/-
Above Rs.5,00,000/-	Rs.1000/-

17	Half Yearly Incidental Charges
	Current Accounts	Rs. 0.75 per entry (Minimum Rs.150/- Half Yearly) Up to 200 entries charge will be Rs.150/-
	Advances A/cs other than Term Loan and Overdraft a/cs	Rs. 0.40 per entry (Minimum Rs.250/- Half Yearly) Up to 625 entries charge will be Rs.250/-

18	RTGS / NEFT *
	*Instructions contained in Circular No.amco:adm:057:2016-17 dt.19.09.2016 should be followed.
	RTGS Transaction **
	Inward Transaction	--NIL--
	Outward Transaction
	Rs.2 00 Lakh to Rs.5.00 Lakh	Rs.25/-
	Above Rs.5.00 Lakh	Rs.50/-
	NEFT Transaction Transaction **
	Inward Transaction	--NIL--
	Upto Rs.10,000.00	Rs.2.50/-
	Rs.10,001.00 up to Rs.1,00,000.00	Rs.5/-
	Rs.1,00,001 up to Rs.2,00,000.00	Rs.15/-
	Above Rs.2,00,000.00	Rs.25/-

19	ECS Inward Return Charges
	Upto Rs.1/- Lacs	Rs.100/-
	Upto Rs.2/- Lacs	Rs.200/-
	Above Rs.2/- Lacs	Rs.500/-

20	Outward Bill Collection Charges(OBC)
	Upto Rs.10,000.00	Rs.100/-
	Above 10,000/- Upto Rs.1/- Lacs	Rs.200/-
	Above Rs.1/- Lacs	Rs.250/-

21	Cash Handling Charge w.e.f. 01.10.2022 as per table attached below duly approved by the BOD in its meeting hled on 23.08.2022.
1	There will be no charges for cash deposit in saving account holder upto 15 times of exact average monthly balance of previous month. If cash deposition exceed 15 times of average monthly balance, charges will be Rs.0.75(75 paise) per Rs.1000 above free cash deposition limit above 15times to 30 times. Moreover, if cash deposit exceed 30 times of average balance of previous month, charges will be Rs.0.95(95 paise) per Rs.1000 above cash deposition 30 times of average balance.
2	There will be no charges for cash deposit in current account holder upto 12 times of exact average monthly balance of previous month. If cash deposition exceed 12 times of average monthly balance, charges will be Rs.0.75 (75 paise) per Rs.1000 above free cash deposition limit above 12 times to 24 times. Moreover, if cash deposit exceed 24 times of average balance of previous month, charges will be Rs.0.95(95 paise) per Rs.1000 above cash deposition 24 times of average balance.
3	There will be no charge for cash deposit for Unsecured CC / ODFD / LIC / NSC / KVP / Loan Ag. Share upto Rs.5,00,000/- per month. If cash deposition exceed Rs.5,00,000/- per month and remained upto 3 times of free cash deposit limit i.e. Rs. 15,00,000/-, charges will be Rs. 0.75(75 paise) per Rs.1000. Moreover, if cash deposit exceed 3 times of free cash deposit limit i.e. above Rs.15,00,000/- per month, charges will be Rs.0.95(95 paise) per Rs.1000.
4	For working capital account (HYPO / BOOK DEBT / Composite Cash Credit / Secured Overdraft AMCO Trade Finance / ABLUPS) for loan limit upto Rs.10 Lakh, free cash deposition limit will be Rs.7.5 Lakh per month and for loan limit between Rs.10 lakh to Rs.25 lakh, free cash deposition limit will be Rs.15 Lakh per month and for loan limit above Rs.25 lakh, cash deposition limit will be Rs.25 Lakh per month. Charges will be above free cash deposition limit per month. Moreover, if cash deposit exceed above said free limit per month, charges will be Rs.0.75 (75 paise) per Rs.1000 upto cash deposition 3 times free cash deposit limit. If cash deposit exceed 3 times of free cash deposit limit, charges will be Rs.0.95 (95 paise) per Rs.1000 above cash deposition.
5	Earlier bank has fixed maximum cash deposition limit for Rs. 50000/- for non-home branches. Existing maximum cash deposition limit in non-home branches has been removed, but for ATM cash deposit limit will continue to be Rs.50,000/- as hitherto.

22	SI failure due to insufficient funds(advances accounts) \| Rs.25/- per Incident/ Installment
23	Services Rendered Free of Charge:-
[1]	DDs/ Pay orders on MUMBAI & DEHGAM free of cost.
[2]	Enquiry relating to old records for an item less than 1 year free.
[3]	Account Statement free
[4]	No penal Int. for loans upto Rs. 25000/- under priority sector.
[5]	e-Payment Services (Tax Challan, GST, ESIC, VAT, CST, Service Tax)

24	ASBA Forms Return Charges (For inadequate Balance in the account) (w.e.f. 18.08.2021 as per circular no.047-2021-22 dated 24.08.2021)	NIL

ASBA Forms Return Charges (For inadequate Balance in the account)

(w.e.f. 18.08.2021 as per circular no.047-2021-22 dated 24.08.2021)

NIL

25	Bill Discounting under L/C :-
	Bill Discounting Under L/C charge Rs 750/-(+)interest as applicable
	Bank Guarantee :-
(A)	With 100% cash Margin - 1% p.a. or part thereof. Minimum Rs. 200/-
(B)	Others - 1.5% p.a. or part thereof. Minimum Rs. 500/-
	Notes:
[1]	Guarantee Commission to be levied on entire validity period including claim period
[2]	Commission to be collected upfront.
[3]	Commission to be collected at every renewal

26	Issue of Inland Foreign L/c	1% p.a. of L/C amount, if margin is 100% 1.5% p.a. of L/C amount, if margin is less than 100%. In the case of issue of L/C through HDFC Bank, Canara Bank, or any other Bank, then that Bank's charges will be levied additionally.
27	Refer Penal Charges Circular	Click Here
28	Minimum balance charge	Savings : NIL Current : Rs.100/-
29	ATM Charges	New card issue : Free Duplicate card : Rs.150/- Addon card : Rs.150/- Duplicate Pin : Rs.50/- Annual Maintenance Charges : Rs.50/- yearly (excluding BSBD) Renewal Charges after expiry (Debit Card) : Rs.50/- #Withdrawl from other ATM :5 Transaction free (including financial and non- financial) #Withdrawl from other ATM :After 5 transaction (including financial and non-financial) #For Financial Transaction : Rs.23.60/- (per transaction) #For Non-Financial transaction : Rs.11.80/- (per transaction)
30	SMS Charges	Saving Account Rs.0.15/- per SMS, Maximum Rs.15 + GST per quarter Current / OD Account Rs.0.15/- per SMS, Maximum Rs.15 + GST per quarter
31	Operation through POA mandate	Rs.100/- per account
32	Change in POA mandate	Rs.100/- per account
33	Modification in sanctioned terms & conditions / Request (for change in Quotation/ Vendors, Change in guarantor, any kind of title discrepancy/ Valuation Report discrepancy)	Upto Rs.1.00 Crore Rs.1000/- >Rs. 1.00 Crore to Rs.5.00 Crore Rs.2000/- >Rs.5.00 Crore Rs.3000/-

NOTE:
1. * All Charges are Exclusive GST
2. # System Generated

Cash Handling Charges (w.e.f. 01.10.2022)

Sr. No.	Cash Deposit	Charges per Rs.1,000/-
Saving
1	Upto 15 times of Previous month Average Balance	NIL
2	Above 15 times – 30 times of Previous month Average Balance	Rs. 0.75
3	Above 30 times of Previous month Average Balance	Rs. 0.95
Current
1	Upto 12 times of Previous month Average Balance	NIL
2	Above 12 times – 24 times of Previous month Average Balance	Rs. 0.75
3	Above 24 times of Previous month Average Balance	Rs. 0.95
Unsecured CC / ODFD / LIC / NSC / KVP / Loan Ag. Share
1	Upto Rs.5.00 Lakh per month	NIL
2	Above Rs.5.00 Lakh upto Rs.15.00 Lakh per month	Rs. 0.75
3	Above Rs.15.00 Lakh per month	Rs. 0.95

Working Capital Account(HYPO / BOOK DEBT / Composite Cash Credit / Secured Overdraft AMCO Trade Finance /ABLUPS)
1	For loan limit upto Rs.10.00 Lakh
	a) Upto Rs.7.50 lakh per month	NILL
	b) Above Rs.7.50 lakh upto Rs.22.50 lakh	Rs. 0.75
	c) Above Rs.22.50 lakh	Rs. 0.95
2	For loan limit above Rs.10.00 Lakh upto Rs.25.00 lakh
	a) Upto Rs.15.00 lakh per month	NILL
	b) Above Rs.15.00 lakh upto Rs.45.00 lakh	Rs. 0.75
	c) Above Rs.45.00 lakh	Rs. 0.95
3	For loan limit above Rs.25.00 lakh
	a) Upto Rs.25.00 lakh per month	NILL
	b) Above Rs.25.00 lakh upto Rs.75.00 lakh	Rs. 0.75
	c) Above Rs.75.00 lakh	Rs. 0.95

Earlier bank has fixed maximum cash deposition limit for Rs.50000/- for non-home branches. W.e.f. 01.10.2022 above mentioned limit will be withdrawn and customer can credit any amount of cash deposit in any other branches However, existing limit of Rs.50000/- towards cash deposition through ATM will continue.

Service Charges

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