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:

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Dr.ganakumar, shivani hospital, ramnad
Sivakumar, ISET, Madurai

1000s of 1000s times Thanks to our well wishers

அரசு அலுவலகங்களில் காலியாக இருக்கும் இடங்கள் 2 லட்சம்

மக்களை கவருவதற்காக இலவச திட்டங்களை அறிவிக்கும் அரசு, அவற்றை நிறைவேற்றுவதற்கான ஊழியர்கள் பற்றாக்குறையைப் போக்க முயற்சி மேற்கொள்ளவில்லை. காலியிடங்கள் எண்ணிக்கை இரண்டு லட்சத்தை தொட்டுள்ள நிலையில், இன்னும் ஓராண்டில் மேலும் 50 ஆயிரம் ஊழியர்கள் ஓய்வு பெற்று வீட்டுக்கு போக உள்ளனர். இவற்றையெல்லாம் தமிழக அரசு எப்படி சமாளிக்கப் போகிறது என்ற கேள்வி எழுந்துள்ளது.


"அரையணா சம்பாதிச்சாலும் அரசாங்க உத்தியோகமாக இருக்கணும்' என, அரசுத் துறையில் பணியாற்றுவதை பெருமையாக நினைப்பர். ஆரம்ப காலக்கட்டத்தில் 10ம் வகுப்பு முடித்திருந்தாலே அழைத்து வந்து வேலை கொடுப்பர். இப்போது, அரசு வேலை கிடைப்பது குதிரை கொம்பாக உள்ளது. போட்டித் தேர்வு, லஞ்ச லாவண்யம் அதிகரிப்பால், தனியார் துறையை தேடிச் செல்பவர்களின் எண்ணிக்கை தான் அதிகம் உள்ளது. தனியார் நிறுவனங்களில் ஊதியமும் கட்டுக்கடங்காமல் கொடுப்பதால், அரசுப் பணியை ஒதுக்கும் இளைஞர் பட்டாளம் உள்ளது. வருவாய் துறை, ஊரக வளர்ச்சி, நெடுஞ்சாலை, சுகாதாரம், போலீஸ் துறை, கல்வித் துறை, மின்சாரம், குடிநீர், போக்குவரத்து, வனத்துறை, சமூக நலத்துறை என, தமிழக அரசின் கட்டுப்பாட்டில் 52 துறைகள் உள்ளன. அதுமட்டுமின்றி உள்பிரிவு, வெளிப்பிரிவு என மேலும் 50 துறைகள் உள்ளன.


ஆபீஸ் அசிஸ்டென்ட் முதல் துறைச் செயலர் வரை 12 லட்சத்துக்கும் மேற்பட்டோர் அரசுப் பணியில் இருந்தனர். காலை 10 மணிக்கு வந்து 5 மணிக்கு செல்லும் காலம் மாறிவிட்டது, ஆட்கள் பற்றாக்குறையால் இரவு, பகல், விடுமுறை நாட்கள் பாராமல் வேலை பார்க்க வேண்டிய கட்டாயச் சூழலுக்கு ஊழியர்கள் தள்ளப்பட்டுள்ளனர். "ஹாயாக வந்து கையெழுத்து' போட்டு செல்லும் அதிகாரிகள் கூட்டமும் ஓரளவு இருக்கத் தான் செய்கிறது. அதே வேளையில், ஒருவர் நான்கு பேரின் வேலையை சேர்த்து பார்க்க வேண்டும் என்ற மறைமுக உத்தரவால், அரசுத் துறை ஊழியர்கள் ஒவ்வொரு நாளும் புலம்பித் தவிக்கின்றனர். பலர் வி.ஆர்.எஸ்., வாங்கிக் கொண்டு செல்லும் சூழலும் உள்ளது. அரசு ஊழியர்களோ புதிய திட்டங்களுக்கு தகுந்தாற்போல் காலிப் பணியிடங்களை நிரப்பக் கோரி போராட்டத்தில் ஈடுபட்டு வருகின்றனர்.


தற்போதைய நிலையில், அரசின் அனைத்து துறையிலும் சேர்த்து இரண்டு லட்சம் காலிப் பணியிடங்கள் உள்ளதாகக் கூறப்படுகிறது. ஓய்வு பெற்று செல்பவர், பதவி உயர்வு, இறப்பு, டிரான்ஸ்பர் போன்றவை மூலம் காலியான இடங்கள் நான்கு, ஐந்து ஆண்டுகளாக நிரப்பப்படாமல் காலியாகவே கிடக்கின்றன. காலியிடங்களை சுட்டிக்காட்டி மக்கள் பிரச்னையை தீர்க்க அதிகாரிகள் மெனக்கெடுவதில்லை. வரும் 2012, 2013ல் மட்டும் அனைத்து துறையிலும் அதிகாரிகள் முதல், ஊழியர்கள் வரை 50 ஆயிரம் பேர் பணியிலிருந்து ஓய்வு பெற உள்ளனர். ஏற்கனவே இரண்டு லட்சம் காலியிடம், மேலும் 50 ஆயிரம் காலியானால், அரசின் திட்டப் பணிகள் எப்படி நிறைவேற்றப்படுமோ என்ற அச்சமும் உள்ளது. ஓட்டுகளைப் பெற புதிய திட்டங்களை அறிவிக்கும் அரசு, அதை செயல்படுத்துவதற்குரிய பணியாளர்களை நியமிப்பதில் அக்கறை எடுத்துக் கொள்வதில்லை என ஊழியர்கள் தரப்பில் குற்றம் சாட்டப்படுகிறது. ஆண்டுக்கு இரு முறை தமிழ்நாடு அரசுப் பணியாளர் தேர்வாணையம் மூலம் குரூப்-1, குரூப்-2 என அறிவிக்கப்பட்டாலும், தேர்வு மூலம் குறைந்த இடங்களே நிரப்பப்படுகின்றன; மீதமுள்ளவை காலியாகத் தான் கிடக்கின்றன. அடுத்து வரும் ஆட்சி, ஊழியர்கள் பற்றாக்குறையைப் போக்க ஏதாவது அதிரடி நடவடிக்கையை எடுக்குமா என்ற எதிர்பார்ப்பும் ஊழியர்கள் மத்தியில் உள்ளது.


                                                                                                                          - நமது சிறப்பு நிருபர் -

website marketing - seo/sem

  1. write best title, description, metatags and keywords
  2. save your website url in all community website profiles and chat id status message
  3. create a blog, wallpaper & banners and circulate with your friends
  4. ALT Attribute of Image Tags
  5. Use Keywords in Hyperlinks
  6. Create a Site Map, xml sitemap files
  7. Submit Your Site to Key Directories, search engines, classifieds, yellow pages, forums
  8. Request Reciprocal Links
  9. Issue News Releases
  10. Ask Visitors to Bookmark Your Site
  11. Include Your URL on Stationery, Cards, and Literature
  12. Publish an E-Mail Newsletter
  13. Send Offers to Your Visitors and Customers
  14. Announce a Contest
  15. Begin an Affiliate Program
  16. Purchase Pay Per Click (PPC) ads
  17. Make it Interactive & User-Friendly website
  18. Publish photos in Flickr and videos in youtube

marketing practice

Most of the products comes with high technology innovative, creative ideas but could not met with success in the Indian market like Ambassador, Bajaj Chetak, Dyanora, Gold Spot, Kelvinator, Liril,
LML Vespa, Maruti Gypsy and Zen. The campaign is not restricted to Ads but also lot of events and research. We emulate the success by launching indigenous technology and surviving the aftermath of a failed technical collaboration. A brand will become successful only if the owner invests in the brand for the long term. The brand needs larger doses of promotion to survive in the Indian market.Much of the success can be attributed to following factors


  • Innovation in new products
  • Innovation in packaging
  • Aggressive campaigns
  • give new offerings to customers on a regular basis
  • customer centric innovation
Thanks to 
Harish B 
kochi, Kerala
http://marketingpractice.blogspot.com

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