Monday, December 27, 2010

Drawbacks of Own business

  1. You will work more hours than you have ever worked before, there is no paid time off, no vacation, no health benefits...you have to pay for all of that yourself.
  2. some of your judgments may be wrong
  3. Your family’s willingness to support your dream may not be compatible with being your own boss.
  4. Electricity problems
  5. Internet problems
  6. risk associated with business failure
  7. Working from home usually means working alone
  8. There will not be any socializing at this job.
  9. You can sacrifice your family, loss of more small joys.
  10. You need to be very self-motivated.
  11. Health care may become unaffordable.
  12. You can conduct your own research to gather enough knowledge about proper startup
  13. Start-up businesses are typically more costly and risky since there is no proven formula.
  14. In order to obtain capital to fund the business, a lengthy detailed business plan must be put together.
  15. All of the details of starting the business, including licenses, marketing, naming the business, finding product sources, etc. are the responsibility of the own
  16. customers may leave when a new operator takes over the business
  17. staff may not remain with the new owner and critical staff need to be comfortable with the new owner
  18. the equipment may be inefficient or obsolete requiring costs to make it effective
  19. the business premises may be inappropriate or the lease terms may be non commercial
  20. the business may be overpriced
  21. material contracts may be lost with change in ownership
  22. new competitors may emerge making the business marginal
  23. major clients may, for any number of reasons, cease using the business,
  24. longer working hours are generally associated with business ownership relative to employment
  25. income can vary far more so than under an employment scenario
  26. you have legal risk and exposures that you would not have had as an employee

Friday, December 24, 2010

Advantages of digital publishing

  • Saving the environment
  •  Storing and searching made simple
  •  Increasing the outreach
  •  Print-taking made simpler
  •  Saving energy, space, time and expenses
  •  Advantages for the Advertisers
  •  Interaction simplified
  •  Registration and Licensing
  •  Better ways of reading
  •  Selling off archival copies
  •  Better ways of sharing
  •  Revenue
Reasons for decline in the growth of cyber cafés

* Regulatory issues
* Need to keep a track of the people surfing from the café premises
* Decreasing revenues from the Internet business
* Real estate prices are growing
* Rising electricity and staff costs
* Declining customer base
* Decrease in PC and laptop prices
* now a days in all offices and homes also have a computer and internet also

Thursday, December 16, 2010

Wanted Part time workers, freelancers & Partners

For BCS

Current Vacants:
01.Internet Marketing Executive (Parttime) - 1 No
02.Webdeveloper Trainees - 2 No's
03.Business Associates/Commission agents/Affiliates for area wise required all over the India.

Internship:


Beam Consultancy Services Internship Program is an endeavor to provide you with an opportunity to be a part of Live & Challenging business projects. We attract talent from the best global academic institutions, from management, technical and liberal arts backgrounds.

We invite You to be a part of the BCS family for a month and experience:
- A structured and robust training schedule
- On the job training to enhance your technical expertise and people management skills
- An opportunity to develop a wholistic perspective of BCS

We are gearing up for interesting and exciting times to come and are looking for bright and young talent to walk this thrilling road with us !
We wish you a joyous internship and a fulfilling career ahead…

For Bharath foundation:
Internship Program

The selected Interns would get the opportunity to work in different areas of issues related to Children, Health and Human Rights, including participation in the review of Programmes of the ongoing projects in the Bharath Foundation.
Interns will also get an opportunity to have interaction with legal luminaries, Senior Doctors, Social Workers, Senior Journalists of Various News Channels and New Papers as well as other reputed NGOs situated in Delhi. They will be required to study and scrutinize key result area of the Bharath Foundation work, present findings to the NGO, compile and analyze statistical data on children and health related issues etc.
Interns will be required to prepare their reports on the topic of study assigned to them during the internship. Interns will also represent NGO in various programs and debates conducted by other organizations and news channels, apart from field visits and project work during internship.
The selected Interns will have to make their own arrangements regarding accommodation and transport.
Stipend : NIL
Duration of Internship : 4 to 6 weeks

Wednesday, December 15, 2010

Recent comments




Rajasthantraveling wrote...





Good job dear I like your way to present your opinion.I like your blog its very attractive.India is such a wonderful place to travel the adventure tours, Historical monuments, safari tours, Himalayas...


pammi wrote...





Kolkata Web Design TrainingAcesoftech provides world class website design, we development and SEO training in Kolkata at affordable prices. The training is provided by the professional who are...


e-Definer Technology - Web Design Company wrote...





Website Designing Company in Delhi offers professional website design and web development services based on all the latest technologies. All website related and IT field services provide by website...


RoadSharing.com wrote...





Roadsharing.com is a website dedicated to making single occupant cars a thing of the past. If you want to hitch a free ride in a car share, get involved in car-pooling, or hitch-hike, roadsharing.com...


楊愛惟 wrote...





IS VERY GOOD..............................


思佩璇佩璇翰佩璇 wrote...





與 人相處不妨多用眼睛說話,多用嘴巴思考. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .


建邱勳 wrote...





人不能像動物一樣活著,而應該追求知識和美德............................................................


承王蓁 wrote...





人生中最好的禮物就是屬於自己的一部份............................................................


家唐銘 wrote...





Since it is the early worm that gets eaten by the bird, sleep late.............................................................


曹季恩曹季恩 wrote...





Learning makes life sweet.......................................................................


琬安琬安 wrote...





一個人的價值,應該看他貢獻了什麼,而不是他取得了什麼.................................................................


宥妃宥妃 wrote...





休息是為了走更長遠的路,爬個文章休息一下!!............................................................


陳佑發 wrote...





吃飽了嗎?~~~還沒下班,好餓哦............................................................


宥妃宥妃 wrote...





thank you for you to make me learn more,thank you∩0∩..................................................................


Toll Free Phone Numbers wrote...





Honestly, I am only familiar with 911, 100, 101, 102. I wasn't aware that there are lots of useful number that are useful to keep on my phone directory book.


Able wrote...





I think all software, whether on the internet or offline needs to go through a rigorous testing process. For instance, did you know that with the launch of CMST in the market, there is a defined...


Alana wrote...





I recently came across your blog and have been reading along. I thought I would leave my first comment. I dont know what to say except that I have enjoyed reading. Nice blog. I will keep visiting...


louis wrote...





This blog is awesome! If you get a chance you may want to visit this Increasing your web traffic and page views Add, add your website in www.directory.itsolusenz.com/ site, it's pretty awesome...


Wednesday, December 08, 2010

SEO website designs

www.equity-loans-guide.com
www.refinance-mortgage-guide.com
www.e-debt-consolidation-guide.com
www.online-help-desk-softwares.com
www.credit-remortgage.info
www.ecar-loans.info
www.home-equityloan.info
www.best-equity-loans-guide.info
www.refinance-mortgage-guide.info
www.best-refinance-mortgages.info
www.mortgage-advisers.info
www.healthinsurance-plus.info
www.fine-life-insurance.info
www.online-life-insurance-guide.info
www.online-loans-guide.info
www.merchant-account-registration.info
www.debtconsolidation-services.info
www.cheap-weight-loss.info
www.help-desk-softwares.info

Closed IT/Software companies & Institutes

Links for domain renewal.
here is a list of 40 closed, not worked, name changed or ownership changed IT & ITES companies and institutes list are given. beware of starting a new company, do not select the below related names. otherwise excuse. mail me to remove...

Count increasing . . .

Tamilnadu
  1. 19hourit , Madurai
  2. aryeninfosys, coimbatore
  3. aliensinfotech (aliensinfotech.in)
  4. Binary node, Bangalore
  5. Bitscot, Madurai
  6. Bright Ads, Madurai
  7. Bharath Infotech, coimbatore
  8. Beam Consultancy services
  9. Delcosys, Madurai
  10. drsinfosystems.com, coimbatore
  11. Eyeson technologies, Madurai
  12. i2informatics, Madurai
  13. Kreativ Pixels, Madurai
  14. monika soft, Madurai
  15. naga designs, Madurai
  16. ngsolutions, Madurai
  17. NHIT, kk.nagar , madurai
  18. NIHT, old santhai, madurai
  19. standard info technologies, Madurai
  20. spotlightmedia.in, chennai
  21. sk infotechnologies, Madurai
  22. sasiya info solutions
  23. Taidysoft, Madurai
  24. udayinfo, sivagangai
  25. Virtual infoway, Madurai
  26. vithaga tech, Chennai
  27. vsquare services, Madurai
  28. vijay info, Madurai
  29. Vigo Technology Services, Madurai
  30. wannabwebbie, Coimbatore
  31. Zeal Tech, Supriyan Nagar, chennai (www.zealtech.in)
Andra
  1. calibra tek solutions, Andhra Pradesh
  2. Aryansinfoway, Hyderabad
  3. sumantra info solutions, Andhra Pradesh
  4. logicexperts.net
  5. pristine software solutions, Andhra Pradesh
  6. Satyam, Hyderabad
  7. worlditsoft, Andhra Pradesh
Kerala
  1. infogenie.in, Kerala
  2. nikiinfo, Kerala
  3. infovistausa.com Kerala
  4. aventure infotek, calicut - Kerala
Maharastra
  1. etechinfoway.com, Mumbai



Mobile related websites

http://www.clickatell.com
http://mmaglobal.com
https://market.android.com/
http://www.sencha.com/products/touch/ Mobile tools: http://www.mobilephoneemulator.com/

Useful best websites for SEO & SEM

E-book submissions:

1. ebookjunke.com
2. ebook88.com
3. thefreesite.com
4. getfreeebooks.com
5. changethis.com
6. ebooksubmit.com
7. getfreeebooks.com
8. ideamarketers.com/bookpr.cfm
9. mind-like-water.com

blog submission:

1. Blogged.com
2. BlogCatalog.com
3. blogcarnival.com
4. technorati.com
5. topblogarea.com
6. topblogging.com
7. blogtoplist.com
8. fuelmyblog.com
9. bloggingfusion.com
10. bloghop.com
11. blogarama.com
12. topbloglists.com
13. bloghop.com
14. blogs.botw.org
15. bloggeries.com
16. icerocket.com
17. yousaytoo.com
18. blogsearchengine.com

news aggregation submission:

1. N4G.com is great for game news
2. BizHeat.com for business news
3. Y Combinator for tech news

podcast submission:

1. podcastdirectory.com
2. podcastalley.com
3. podiobooks.com
4. odeo.com
5. podcastempire.com

article submission:

1. ezinearticles.com
2. goarticles.com
3. ehow.com
4. articlesbase.com

document submission:

1. scribd.com
2. docstoc.com
3. slideshare.net
4. issuu.com
5. edocr.com
6. empressr.com
7. yudu.com
8. docshare.com
9. calameo.com

RSS submission:

1. rss-feed.org
2. rsshugger.com
3. feedfury.com
4. feedest.com
5. rss-spider.com
6. feedlisting.com
7. feedgy.com
8. rssmountain.com/rss_directory.php
9. readburner.com

http://www.meramaal.com/
http://www.adeex.in/
http://www.adoos.in
http://www.craigslist.co.in/
http://www.locanto.in/
http://www.click.in/
http://www.indialist.com/
http://www.clickindia.com/
http://www.indianflyer.com/
http://www.olx.in/
http://classifieds.rediff.com/
http://classifieds.sulekha.com/
http://www.classifieds.co.in/
http://www.prachaar.in/
http://www.goforads.com/
http://www.quikr.com
http://www.indnav.com/Classifieds
http://www.kugli.com/
http://www.indiadynamics.com/
http://www.indianclassifieds.com/
http://www.vivastreet.co.in/
http://www.baajaa.com/
http://www.digitalbhoomi.in/
http://www.khrido.com/
http://www.khichdee.com/
http://classifieds.webindia123.com
http://www.adpost.com/in/
http://classifieds.byindia.com/
http://classifieds.ivarta.com/
http://www.allindiaclassified.com/
http://www.adsmantra.com/
http://www.bechna.com/
http://www.indiagrid.com/cgi-bin/lis…cat=&subcatid=
http://www.oodle.in/
http://www.travelji.com/
http://www.sticknobills.com/
http://www.khojle.in
http://www.blockpad.in/
http://www.beatyourprice.com/
http://www.quick2get.com/
http://uproot.in/
http://freeclassifiedhub.com/

Tuesday, November 30, 2010

Bank Service Charges & Fees


1.0 MAINTENANCE OF ACCOUNTS
Sl. No.
Type of service
Service Charges [Incl. Service Tax]
1.01
Ledger Folio Charges:
Savings Bank Account
Current, Overdraft, Cash Credit account
NIL
Rs 100/- per folio
1.02
Duplicate Passbook/Statement
With latest entry
Previous entries per page
Rs.75/-
Rs.75/-
1.03
a) Cheque Leaf Charges (per leaf)
For Savings Bank Account
For Current & Barrowal Account
For Non-MICR cheques (per leaf)
b) Issue of loose cheques
All types of Accounts

Rs 5/ per leaf [For SB a/c 60 cheque leaves will be free in a FY]
Rs 2.50/- per leaf
Rs 2.50/- per leaf

Rs. 10/- per leaf (Except in Rural & Semi urban branches)
1.04
Non-Maintenance of Quarterly Average Balance
Savings Bank a/c
Current a/c
Corp Classic a/c
Please note - SB A/c of Senior Citizens

Rs. 75/- per quarter
Rs. 300/- per quarter
Rs. 300/- per quarter
No charges
1.05
Stop Payment Instructions
Savings Bank account
Current account, Overdraft & Cash Credit

Rs. 50/- per cheque
Rs. 75/- per cheque
1.06
Standing Instructions
Setting up
For execution of standing instructions within the Branch
Transaction involving credit to another branch/centre
No charges for payment of installments for credit or term deposits maintained at other branches

Rs 40/- One time
No charge
Rs 40/- per transaction
1.07
Confirmation of Specimen Signature
For all purposes
Attesting the Photograph

Rs. 75/-
Rs. 50/-
1.08
Issue of Certificates
No objection / No dues / Balance / Interest charged / Cheque honoured / Account maintaining / etc.
Issue of Interest Paid Certificate No Dues Certificate to Govt Sponsored credit Schemes
Rs 50/-
Exempted


Exempted
1.09
Issue of Duplicate Deposit receipt
Rs 60/-
1.10
Enquiry of old transactions
Savings a/c
Current & Borrowal a/c

Rs 100/-
Rs 150/-
For entries upto 1 year no charge
1.11
Servicing of Dormant account
Savings a/c
Current a/c

Rs 100/- per year
Rs 150/- per year
1.12
Transfer of Savings Bank a/c
Within the Bank
To other banks

NIL
As per DD/PO charges
1.13
Transfer of Deposits (proceeds or interest)
Within the Bank
To other banks

NIL
As per DD/PO charges
1.14
Closure of account
Savings Bank a/c

Current a/c

Corp Classic a/c

Rs 200/- within 1 year
Rs 100/- after 1 year
Rs 300/- within 1 year
Rs 300/- after 1 year
Rs 112/- within 1 year
Nil after 1 year
1.15
Addition / deletion of names in joint accounts / nomination / change in operational instructions
Rs 30 per occasion
1.16
Allowing operation in account through Power of Attorney / Mandate holder
Savings Bank a/c
Current / Overdraft / Cash Credit

Rs. 100/-
Rs. 225/-
1.17
Change of authorized signatory including reconstitution of account
Rs 125/- for every change
1.17
For Savings Bank account withdrawal either by cheque or otherwise exceeding 50 per half year
Rs 2.50 per withdrawal (Min Rs 11/-)
1.19
Loss of complete blank cheque book and surrender of unused cheque leaves (Above 50% of unused leaves)
Savings Bank a/c
Current / Overdraft / Cash Credit

Rs 112/-
Rs 225/-
1.20
Cash Handling Charges
[a] First 10 sections of rupee notes–(1000 pieces) irrespective of denomination.
[b] From 11th Section onwards, (1 section = 100 pieces)

Nil

Rs.10/- per section, upto Rs.100 denomination
Rs.6/- per section for notes above Rs.100/- denomination.
Max. Rs.10,000/-

2.0 REMITTANCES
Sl No
Type of Service
Service Charges [Incl. of Service Tax]
2.01
Remittance by issue of Demand Draft (DD), Mail transfer (MT), Telegraphic Transfer (TT)
Up to Rs. 5,000
Rs. 5,001 to Rs. 10,000
Rs. 10,001 to Rs. 50,000

Rs. 50,001 to Rs. 1,00,000
> Rs 1,00,000 (Out of pocket expenses for MT/TT extra)


Rs 30/-
Rs 40/-
Rs 2.50/1000 [Min Rs. 40]
Rs 2.50/1000
Rs 2.00/1000 [Max Rs 10,000]
2.02
Issue of Pay Orders (PO) / Bankers Cheque / Local DD, RBI or SBI Cheque
Up to Rs. 5,000
Rs. 5,001 to Rs. 10,000
Rs. 10,001 to Rs. 50,000

Rs. 50,001 to Rs. 1,00,000
> Rs. 1,00,000


Rs 30/-
Rs 40/-
Rs 2.50/1000 [Min Rs. 40]
Rs 2.50/1000
Rs 2.00/1000 [Max Rs 10,000]
2.03
Revalidation (permitted one time), Cancellation and Issue of Duplicate DD / PO
Revalidation of Instrument
Cancellation of instrument
Issue of Duplicate Instrument


Rs 100/-
Rs 100/-
Rs 100/-
2.04
Electronic Clearing Service
Per Transaction (from the corporate customer)
ECS return charges
SB Account

CA & Borrowal Account

If 3 or more cheques / ECS debit instructions are returned with the reason ‘insufficient funds’, the charges at the following rates:
a) SB Account

b) Current & Borrowal Accounts
Rs. 3/- (Currently waived)

Rs. 56/- per transaction
Rs. 112/- per transaction



Rs. 112/- per cheque or transaction
Rs. 224/- per cheque or transaction
2.05
Electronic Products –RTGS/NEFT Transactions - Customer Transactions
RTGS
Outward transactions
Rs. 1 to 5 lakh
Rs. 5 lakh and above
Inward – Local/Outstation
NEFT
up to Rs.1 lakh
Rs. 1 lakh and above




Rs. 28/- per txn
Rs. 56/- per txn
Nil

Rs. 6/- per txn
Rs. 28/- per txn
2.06
Corp Quick Remit – Online inward remittance service for NRI’s
Handling Charges to be recovered from beneficiary
Non-Account holder - Rs. 112
Account holder - NIL
2.07
Corp Express Money Transfer facility - remittance service for NRI’s
Rs 112/- as handling charges

3.0 COLLECTIONS
Sl. No.
Type of Service
Service Charges [Incl. Service Tax]
3.01
Collection of Outward / Inward Cheques:
Upto Rs. 10,000/-
Rs.10,001/- to Rs.1,00,000/-
Rs. 1,00,001/- and above


Rs. 55/- per instrument
Rs. 110/- per instrument
Rs. 165/- per instrument
3.02
Collection of Outward / Inward Bills
Upto Rs.1000
Rs.1001 to Rs. 5000
Rs.5001 to Rs.10,000
Rs. 10,001 to Rs 50,000
Rs. 50,000 to Rs 1,00,000
> Rs. 1,00,000


Rs. 50/-
Rs. 60/-
Rs. 100/-
Rs. 8.00/1000 [Min Rs. 100]
Rs. 8.00/1000
Rs. 8.00/1000 (Max Rs.17,000)
3.03
Return / Dishonour of Bills / Cheques
Cheques received in inward clearing
For Savings accounts
For Current, Overdraft & Cash Credit accounts
Cheques sent in outward clearing
(Cheques deposited by customer)
For Savings accounts
For Current, Overdraft & Cash Credit accounts
Dishonour of local / outstation bills and outstation cheques


Rs.100/-
Rs.150/-


Rs.50/-per instrument
Rs.100/- per instrument
50% of collection charges (Min Rs.60)

4.0 PURCHASE/DISCOUNT OF CHEQUES/BILLS
4.01
Drawn on our Bank

Drawn on other Banks
Interest + collection charges + out of pocket expenses


Interest + collection charges + out of pocket expenses + other bank charges

5.0 CORP VAULT [LOCKER FACILITY] / SAFE CUSTODY OF ARTICLES
5.01
Type of Cabinet [Annual Rent in Rs.]
Metro
Urban
SU / Rural
10 Units Cabinet
7000
4000
2500
20 Units Cabinet
7000
4000
2500
21 Units Cabinet
6500
3300
2300
30 Units Cabinet
* Medium
* Large

3500
7000

2000
4000

1300
2500
32 Units Cabinet
* Small
* Medium
* Large

1900
3500
9700

1500
2800
4700

800
1500
2900
36 Units Cabinet
* Medium
* Large

2500
5000

1500
3000

800
1600
45 Units Cabinet
1500
1200
700
51 Units Cabinet
* Small
* Medium
* Large

1400
2800
7800

1200
2500
4100

700
1500
2300
75 Units Cabinet
* Small
* Medium
* Large

1200
2000
6500

1100
1800
3300

700
1000
2300
90 Units Cabinet
1200
1100
700
Three years
advance rent shall
be collected at the time
of allotment of lockers
with annual rents
payable at end of
each year.
5.02
Penal Rent per Month
Metro
Urban
SU / Rural
* Small
* Medium
* Large
28/-
56/-
112/-
23/-
34/-
56/-
11/-
23/-
34/-
5.03
Charges for Corp Vault Operations
Metro
Urban
SU / Rural
12 operations free
in a quarter.
Service charges as
under shall be levied
for each operation
exceeding 12.
17/-
17/-
12/-
5.04
Safe Custody Charges [Per Annum]
Service Charges
Scrips

Sealed Cover
Sealed Box (upto 12”x12”x12”)
Sealed Box (upto 30”x30”x30”)Interest / Dividend Warrants:
Where amount is < Rs.500

Where amount is > Rs.500

Banks Own Term Deposit Receipts
Rs. 6 per Scrip (Min 56)
Rs. 112/-
Rs. 561/-
Rs. 898/-

0.28% of the amt
0.14% of the amt (Min Rs.1.25)

FREE

6.0 CALL DEPOSIT RECEIPTS & SOLVENCY CERTIFICATES
6.01
Type of Service
Service Charges [ incl. of Service Tax]
6.01
Call Deposit Receipt [CDR]
* Issue of CDR
* Issue of Duplicate CDR

Rs.28/-
Rs.34/-
6.02
Issue of Solvency Certificate
* Amounts up to Rs One Lakh
* Rs 1 lakh to Rs 3 lakhs
* Rs 3 lakhs to Rs 5 lakhs
* Rs 5 lakhs to Rs 10 lakhs
* Rs 10 lakhs to Rs 25 lakhs
* Rs 25 lakhs to Rs 50 lakhs
* Rs 50 lakhs to 75 lakhs
* Rs 75 lakhs to 1 crore
* Above 1 crore & upto Rs. 5 crore
* Above Rs. 5 crore

Rs. 600/-
Rs. 3,000/-
Rs. 3,500/-
Rs. 4,500/-
Rs. 6,000/-
Rs. 8,500/-
Rs.17,000/-
Rs.25,000/-
Rs. 50,000/-
Rs. 1,00,000

7.0 ADVANCES [Processing Charges]
Sl. No.
Type of Service
Service Charges [ Incl. of Service Tax]
7.01
Consortium Advances where the Bank is the lead Banker
0.50% of the working capital limits
7.02
Priority Sector Advances
* < Rs 2 lakh
* > Rs 2 lakh

NIL
0.40% of loan amount (Min. Rs. 800 & Max Rs. 20 lakh)
7.03
Other Advances:
* < Rs 25,000
* Rs 25,000 to Rs 2 lakh
* Above Rs 2 lakhs

* Term Loans (Including Priority Sector)



* Jewel Loans

* Non Fund based limits

* Review of Term Loans [including Priority Sector]
Rs.250/-
Rs. 500/-

0.50% of loan amt (Max Rs. 30 Lakh)

Up front fee@ 1.50% of loan amount [25% to be collected at the time of submission of application, Max. Rs. 5 Lakh]
0.40% of loan amount (Min.Rs.100)
50% of charges applicable to fund based limits
0.10% of reviewed term loan amount [Max Rs. 15 Lakh]
7.04
Deliveries / Pledges
Rs 850+ out of pocket expenses
7.05
Redemption of Securities
Rs 225/-
7.06
Inspection Charges per occasion in respect of assets hypothecated/ mortgaged:
* Upto Rs.25,000
* Rs. 25,000 to Rs. 2 lakh
* Rs. 2 lakh to Rs.10 lakh
* Rs. 10 lakh to Rs. 25 Lakh
* Above Rs. 25 Lakh to Rs. 50 Lakh
* Above Rs. 50 Lakh to Rs. 1 crore
* Above Rs. 1 crore to Rs. 5 crore
* Above Rs. 5 crore
A1 Assets [ Inspection on quarterly basis]

Nil
Rs. 300/-
Rs. 375/-
Rs. 750/-
Rs. 1,250/-

Rs. 1,875/-

Rs. 2,500/-

Rs. 12,500/-
A2-A3 Assets [Inspection on monthly basis]
Nil
Rs. 300
Rs. 375/-
Rs. 750/-
Rs. 1,250/-

Rs. 1,875/-

Rs. 2,500/-

Rs. 12,500/-
7.07
Godown Inspection Charges
At Actuals
7.08
Evaluation Fees
(On Agricultural Loans, where NABARD refinance is available)
0.56% of capital outlay
7.09
Commitment charges on unutilized portion of sanctioned working capital Credit Limits
1.up to and inclusive of 25%

2.Above 25%



Nil


0.25% on average unutilized credit
7.10
Charges for amendment of any sanctioned terms and revalidation, restructuring and rephasement
Limits upto Rs.10 lakhs : Nil
Limits >Rs.10 lakhs & upto Rs.1 crore : Rs.5000; [per occasion]
Limits > Rs.1 crore & upto Rs.10 crore : Rs.50,000; [per occasion]
Limits > Rs.10 crore: Rs.500000/- [per occasion]
7.11
Equitable Mortgage Charges to be levied for original and extension of mortgages

less than Rs. 1 crore
Rs.1 crore and above
For commercial loans only
[ Per Occasion]


Rs. 10,000
Rs. 25,000
7.12
Earmarking of Limits : to beoperated at various branches
Rs.10,000/- per Branch [one time charge]

8.0 BANK GUARANTEES
Sl. No.
Type of Service
Service Charges [ Incl. of Service Tax]
8.01
Performance Guarantees / Other than Performance Guarantees
Rs.225 plus 3% of BG amount per annum for financial guarantees (Min.of 2 quarter in both the cases)

9.0 CREDIT CARD [wef: 4th May, 2009]
Sl. No.

Particulars

Classic Card

Gold Card

9.01

Joining/Renewal fee [General]

Rs.550/-
(Joining/Renewal fee will be refunded if the Card is used for Rs.25,000/- or more within one year.
Rs.1000/-
(Joining/Renewal fee will be refunded if the Card is used for Rs.50,000/- or more within one year
9.02
Annual Fee-Main Card [General]
Rs. 250/-
Rs. 500/-
9.03
Annual Fee-Add-on Card [General]
Rs. 100/-
Rs. 300/-
9.04
Interest on Revolving Credit Facility (P.M.)
2.50% [30%]
2.25% [27%]
9.05
Interest on Cash Advance [P.M.]
2.50% [30%]
2.25% [27%]
Common for Classic & Gold
9.06
Cash Advance Transaction Fee
2.50% (Min Rs. 150/-)
2.50% (Min Rs. 150/-)
9.07
Late Payment fees (per occasion)
30% of Min Amt. Outstanding (Min Rs. 100 & Max Rs. 500)
30% of Min Amt. Outstanding (Min Rs. 100 & Max Rs. 500)
9.08
Over Limit Charges Amount
2% on over limit (Min Rs. 100)
2% on over limit (Min Rs. 100)
9.09
Return of Cheque
Rs. 100/-
Rs. 100/-
9.10
VISA ATM Access Charges (Domestic)
Cash - Rs. 50/-
Non Cash - Rs. 30/-
Cash - Rs. 50/-
Non Cash - Rs. 30/-
9.11
VISA ATM Access Charges (International)
Cash - Rs. 110/-
Non-Cash - Rs. 25/-
Cash - Rs. 110/-
Non-Cash - Rs. 25/-
9.12
Duplicate Statement Request (beyond 3 months)
Rs. 50/-
Rs. 50/-
9.13
Replacement Card
Rs. 100/-
Rs. 100/-
9.14
Duplicate PIN
Rs. 15/-
Rs. 15/-
9.15
Chargeslip Request
Rs. 100/-
Rs. 100/-
9.16
Limit Enhancement
Rs. 100/-
Rs. 100/-
9.17
Balance Transfer Processing Fee
1% of transfered amount (Min Rs. 100/-)*
1% of transfered amount (Min Rs. 100/-)*
9.18
Balance Transfer Interest Charges
1.50% per month for 1st 75 days; thereafter normal interest as applicable for revolving credit*
1.50% per month for 1st 75 days; thereafter normal interest as applicable for revolving credit*
9.19
Dial-a-DD transaction fee
1% of DD Amount (Min Rs. 100/-)
1% of DD Amount (Min Rs. 100/-)
9.20
Conversion to EMI payment
a] Processing Fee - 1% of principal
(Min Rs. 100/-)
b] Pre-closure fee - 2% of Amt. outstanding
c] Interest- 12% P.A.
Interest - 12% per annum
a] Processing Fee - 1% of principal
(Min Rs. 100/-)
b] Pre-closure fee - 2% of Amt. outstanding
c] Interest- 12% P.A.
Interest - 12% per annum
9.21
International Transaction Fee
3.5% markup
3.5% markup
9.22
Airline ticket booking
As levied by Airline concerned
As levied by Airline concerned
9.23
Railway Ticket booking surcharge
As levied by IRCTC / Railway Counter
As levied by IRCTC / Railway Counter
9.24
Fuel Surcharge
2.5% (Min Rs. 10/-)
2.5% (Min Rs. 10/-)
9.25
Charges to be levied for using other bank ATM for credit card operations
Bilateral ATMs / NFS ATMs / CashNet ATMs
Cash - Rs. 30/-
Non Cash - Rs. 12/-
Bilateral ATMs / NFS ATMs / CashNet ATMs
Cash - Rs. 30/-
Non Cash - Rs. 12/-
9.26
Service Tax
10.30%
(applicable on all fees, interest & other charges)
10.30%
(applicable on all fees, interest & other charges)

* yet to be enabled
LIFE TIME FREE OFFER# on Credit cards has been extended upto 31/03/2011 with the following terms:
1) Those who are joining on or before 31/03/2011, Joining Fee is NIL.
2) Cards renewed on or before 31/03/2011, Renewal Fee will be NIL.
3) Cards issued/ renewed on or before 31/03/2011, Annual Fee will be NIL

#Life Time free offer is based on the Life time of the Card Issued.
Credit Cards are issued initially for 3 years' life time .

10.0 ATM CUM DEBIT CARD [CORP CONVENIENCE]
Sl. No
Type of Service
Service Charges (inclusive of Service Tax)
10.01
Joining Fees
Rs. 112/- (Presently Waived)
10.02
Annual Fee
Rs. 99/- [Free for 1st year]
10.03
Card replacement fee (Other than due to manufacturing defect / theft of card)
Rs. 165/-
10.04
Regeneration of duplicate PIN
Rs. 27.50
10.05
Operation at VISA ATM Outside India
Cash Transaction
Non Cash Transaction
Currency Conversion Charges
Charges levied by VISA

Rs. 125/- (USA) / Rs. 165/- (Others)
Rs. 30/- at all locations
2% of Amt
US$ 1.00 (USA) / US$ 1.50 (Others)

10.06
Fuel Surcharge
2.5% (Min Rs. 10/-)
10.07
Railway booking surcharge
As levied by IRCTC / Railway Counter
10.08
Charges for using Corp Bank ATMs
Cash Txn - FREE
Non Cash Txn - FREE
10.09
Charges for using other Bank ATMs in India

Cash withdrawal (SB Accounts)
Cash withdrawal (Other accounts)
Balance Enquiry (Any account)
Mini Statement (Any account)
5 txn per month FREE; Rs. 20 per txn thereafter
Rs. 20 per txn
FREE
Rs. 12 per txn [Available at Karnataka Bank ATMs only]


11.0 ANY BRANCH BANKING & MULTI CITY CHEQUE
Sl No.
Type of Service
Service Charges (inclusive of Service tax)
11.01
Cash Withdrawal/Deposit at remote branches
For all types of Savings Accounts
Amount< Rs.25.000/- - Rs.20/-
Amount > Rs.25.000/- to Rs.50,000/- - Rs.50/-
Amount > Rs.50.000/- to Rs.1,00,000/- - Rs.2/1000

For Current and Borrowal accounts
Rs.2.25/1000 (min Rs.56/-)
11.02
Funds Transfer
For all types of Saving, Current and Borrowal accounts
Amount upto Rs.1,00,000 - Rs.6/-
Amount Rs.1,00,001 upto Rs.5,00,000 - Rs.28/-
Amount above Rs.5,00,000 - Rs.56/-

11.03
Issue of Demand Draft/Pay Order at remote branches
Applicable DD/PO charges
11.04
Deposit of local cheques at remote branches
For all types of Savings accounts
Amount < Rs.25,000 - Rs.10/-
Amount > Rs.25,000 to Rs.50,000 - Rs.20/-
Amount > Rs.50,000 - Rs.1.5/1000 (Min Rs.60/- & Max. Rs.5000/-)
For Current and Borrowal accounts
Rs.1.50/1000 (Min. Rs.30/- & Max. Rs.7500/-)
11.05
Instant Credit of cheques drawan on remote branches
For all types of Savings accounts
Amount upto Rs.25,000 - Rs.10/-
Amount > Rs.25,000 to Rs.50,000 - Rs.20/-
Amount > Rs.50,000 - Rs.1.5/1000 (Min Rs.60/- & Max. Rs.5000/-)

For Current and Borrowal accounts
Rs.1.50/1000 (Min. Rs.30/- & Max. Rs.7500/-)

11.06
Multi-City Cheque Book facility
Cheque Book Issuance charges
Savings accounts* (20 leaves free in a year)
*MCC facility is available to select SB A/c holders only
Rs.2.50 per leaf
Current/Borrowal accounts
Rs.2.50 per leaf
Transaction charges on amount
Savings account*

NIL
Current/Borrowal accounts
Rs.1.50/1000 (min. Rs.10 and max. Rs.7500/-)

12.0 INTERNET BANKING SERVICE CHARGES
Sr. No.
Type of SDervice
Service Tax ( including Service Tax)
12.01
Fund Transfer within the Bank ( for other than Savings Account)
NIL
Fund transfer within the Bank (for other than Savings accounts)
25% concession applicable on ABB-Funds Transfer charges
Fund transfer outside the Bank (NEFT)
Applicable NEFT Charges
Issue of DD / PO
25% concession applicable on normal DD/PO
Cheque Book request
NIL
Stop Payment request
NIL
Payment of LIC premium
NIL
Payment of Tax
NIL
Railway ticket booking
Rs.12/-

13.0 MISCELLANEOUS
13.01
Postal / Mail Tariff
Ordinary Post
Rs.15/-
Registered Post
Rs.30/-
Speed Post
Rs.50/-
Telegram / Telex
Rs.25/-
Courier
Rs.30/-
E-mail
FREE
13.02
Parcels
< 1000 cc size
Rs.225/-
> 1000 cc size
Rs 225 for first 1000 cc + Rs. 140 for every additional 1000 cc

14.0 CORP VAULT (LOCKER FACILITY) Charges applicable for STAFF/ RETIRED STAFF
Sl. No.
Type of Service
Revised Service Charges (Inclusive of Service Tax)
14.01
Type of Cabinet (Annual Rent in Rupees)

14.02
Cabinet
METRO
URBAN
SU/RURAL
32 units Cabinet
Small
Rs.775/-
Rs.590/-
Rs.370/-
Medium
Rs.1330/-
Rs.1130/-
Rs.775/-
Large
Rs.2715/-
Rs.1960/-
Rs.1550/-
45 Units Cabinet
Rs.545/-
Rs.505/-
Rs.345/-
51 Units Cabinet



Small
Rs.590/-
Rs.505/-
Rs.325/-
Medium
Rs.1185/-
Rs.1005/-
Rs.775/-
Large
Rs.2090/-
Rs.1730/-
Rs.1185/-
75 Units Cabinet
Small

Rs.505/-
Rs.415/-
Rs.325/-
Medium
Rs.865/-
Rs.710/-
Rs.505/-
Large

Rs.1760/-

Rs.1370/-

Rs.1185/-

90 Units Cabinet
Rs.505/-

Rs.415/-

Rs.325/-




Please click on the below links for details of service charges levied by the Bank for various services. All service charges levied are inclusive of Service Tax at 10.30%

1. Corpvariant - CBCA-4 in 1 Account:

2. Information on Interest rates and Service charges on Loans as per RBI format:

top 10 adsense earners in tamilnadu

Name: Srinivas Tamada Location: Chennai, India but now is in USA Blog: http://www.9lessons.info Blog Niche: Ajax, PHP, Web Design. ...

Labels

Abbreviations Acting choices actress-actors addons ads adsense drawbacks advantages advantages of chennai Advantages of Links directory advantages of plastic cheppal stand advices affiliates all ads amazon android articles asp ASP dot Net design issues astrolgy autobiography automobile avoid hacking avoid snake bite backgrounds banners BCS Best category for best collections best PPT Presentations best things biodata blog Blog Advertising blog stats blogger blogger drawbacks blogs Browser errors Browser Issues bus ticketing machines business business loss Business Plan Business rental business wise drawbacks Buying Expired Domains capgemini Car buying tips certified professional cheat frauds Cinema industry cities clients Closed IT/Software companies closed websites codings Commented topics of my blog comments companies Construction contacts Copyright creativity Credit Card Prefix Numbers css CSS drawbacks CSS elements combination CSS errors css ID rules css limitations css links css selectors Cute babies cv demonetization design category disclaim DNS error Documentation domain drawbacks Drawbacks in Madurai bus stand drawbacks of legins drawbacks of strike drawbacks_others duty education electronics emails embedded empty post emptyland Error Code and Message eshop Extra expenses Face detection apps use family FAQ FENG OFFICE finance loans firecrackers firewall nonblockable sites food For sales Free fresh content friends fun general - new - temp GHS girls google google Ads Google Adsense Revenue Sharing Sites government GPS merits graphicsbg Green earth Hacking Methods hand held machines handicapped reservation header wordings health Helpful Slogams HM home shifting how to avoid social media spam HTML html encoder HTML5 website layout IBM IDEA IE IE problems india infosys internet Internet/Social Media Marketing interview questions ISBN IT hardware products for rental IT Hardware-software ja jallikattu javascripts job job analysis joomla KSRTC kvic links links_background verification websites links_blogs Links_certifications links_different websites links_letterwise Links_mobile websites Links_My Designs links_my SMM links_other states Links_Product_brand websites links_Reciprocal Links links_SEO/SEM links_Tamilnadu links_tenders links_tools links_UI design links_use for all* list list of industrial estate list of IT parks list of toll free numbers M2M Madurai Madurai 2020 Mail box folder maintenance Malayalam Malayalam movie my reviews manjula miss Manufacturing Industries marketing marketing ideas me at divisional sports MNC site bugs mobile monthly extra Multiple options in codings my my achievements my achivements My advt - ads My all ads My best collections my best ideas my comments My cousin's post in FB My donations my friends with actor actress My Google dashboard My horoscope my linkedin profile My online interview My Portfolio my posts links My questions my SEO experience my social media profiles my stack overflow profiles My Stackoverflow site answers My works Names nested html Netscape Navigator new blogs New build house for sale New Concepts news online earnings online generators online scams open office drawbacks Open source Opera orkut drawbacks Others view our grandparents Our ID and Numbers outsource statistics own ideas own ideas_aboutme own views page pixel collapse when scrolling in firefox Page Speed Performance parallax scrolling websites Partners Personals photos Photos - art Photos_actress photos_screenshots PHP plans Plots for sale poems policy Pollution Facts powercut Powerpoint press release Problems and solutions - ATM Problems and solutions - Education Problems and solutions - Hardware Problems and solutions - Mobilephones Problems and solutions - NGO Problems and solutions - Software Problems and solutions - Website problems in browsing center/internet cafe Products programmers problems programs proxy software Quality guidelines Rajamani realesate reasons for power shortage Recent comments relatives relatives business resume RS 232 dotmatrix printers rti sales SBI search engine search type websites security Security Alert regarding Serious CMS Attack SEM portfolio SEO Difficulty SEO for blogs SEO portfolio SEO tools SEO-SMM-ORM Plan SEO/SEM sil ads Site Tags siteworth slogans SMS benefits Social Interest - public use social media marketing Social Media Optimization social media widgets softland-palmtec software errors Software Testing Softwares solairaja sports SQL SQL queries stars statistics stop software patents tablet Grip and interaction Tamil - Tamilar - Tamilnadu TATA TCS technicals Technology tenders Testing Tips text magics Thanks Things to do before you die in India Things to Watch in 2014 thirumalai Tips Tips - Buseness tips Tips - Health tips Tips - life tips tips for demo video preparation Tips for doing SEO/SMM Tips for Good-Employee Tips for HR Tips for old money top 10 adsense earners in tamilnadu tours Travels TV UI Certifications Q & A UI design useful best software latest versions Useful websites for HTML Developer videos visa vista icons w3c standards wallpapers ways to find a job Web design Web design and developments Web developments Web Services web UI design shapes webhosting Website Features website templates Widgets collections Yahoo சுயசரிதம்

:: Useful web links List