• how to Apply for a Passport in india Passport applicants can submit the duly filled in Passport Application Form in the concerned Passport Office or in the District Passport Centres (DPCs) or in the Speed Post centres.

    • Locate Your nearest Passport Office (External website that opens in a new window)
    • Your nearest District Passport Centre (External website that opens in a new window)
    • Passport cover letter and fee structure (External website that opens in a new window)
    • Checklist of documents to be attached with Passport application (External website that opens in a new window)
    • Affidavits to be attached with your Passport form

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  • Types of Indian Passport
    There are three types of Indian Passport, which are:

    Regular Passport: this passport has a Navy Blue cover and is issued for ordinary travel, such as vacations and business trips
    Diplomatic Passport has a Maroon cover and is issued to Indian diplomats, top ranking government officials and diplomatic couriers.
    Official Passport has a White cover and it is issued to individuals representing the Indian government on official business

    To apply for a passport, you have to obtain an application form (External website that opens in a new window) from the Passport Office or the designated Speed Post Centers or any of the designated outlets in your city. Along with the duly filled application form, you have to submit proof of residence, date of birth, change of name, documents for ECNR, expired passport (if any), passport size photographs etc.

    All self-attested copies of certificates/documents would be checked against originals at the Passport Office at the time of submission of application. A Gazetted Officer should attest copies of certificates/documents sent by post. The normal time taken for issuance of a passport is five to six weeks. However in case of an emergency you can apply for a fresh or duplicate passport under the 'Tatkaal' scheme.

    The Tatkaal Scheme (External website that opens in a new window) allows passports to be issued on payment of additional fee over and above the normal passport application fee. The 'Tatkaal' Scheme would only be applicable in cases where either the police verification report is not required (minors less than 15 years of age) or where a passport can be issued on post police verification basis (duplicate passport/re-issue of passport without change in address, Government servants with NOC and their spouses and applications with Verification Certificates).

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  • MHADA At Nagpur
    Vidarbha Housing Board was working in Vidarbha since year 1951. Thereafter since 5th December 1977, Nagpur Housing and Area Development Board as a regional unit of MHADA, came into existence with jurisdiction of work in Nine Districts of Vidarbha. On 13th August 1992, Amravati Housing and Area Development Board has been established and is separated out from Nagpur Board.

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  • phone numbers and Officer in Office Of Chief Electoral , Maharashtra State

    Sl.

    No.

    Name of Officer

    Designation

    Std. Code

    Telephone Numbers

    Fax Numbers

    1.

    Shri.Debashish Chakrabarty

    		 Secretary And Chief Electoral Officer

    022

    22029965

    22024243

    22835698

    2.

    Shri.Shekhar Channe

    Deputy Secretary And Chief Electoral officer

    022

    22856667

    22835698

    3.

    		Shri.A.N.Valvi

    Under Secretary And Deputy Chief Electoral officer

    022

    22025059

    22835698

    4.

    		Shri.Sanjay p. Bhokare

    Under Secretary And Deputy Chief Electoral officer

    022

    22025059

    22835698

    5.

    Shri.M.D.Sharaf

    Section officer

    022

    22855948

    22835698

    6.

    		 Smt.Shubha Sandeep Borkar

    Section Officer

    022

    22025059

    22835698

    7.

    		 Mr.Manohar Ramchandra Bandepatte

    Section Officer

    022

    22793925

    22835698

    6.

    Shri.M.R.Bandpatte

    Section Officer

    022

    22025059

    22835698

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  • Details about TDS, TCS, TAN Indian Govt
    Tax Deduction at Source (TDS)

    Tax deduction at source means the tax required to be paid by the assesses, is deducted by the person paying the income to him. Thus, the tax is deducted at the source of income itself. The income tax act enjoins on the payer of such income to deduct the given percentage of income as income tax and pay the balance amount to the recipient of such income. The tax so deducted at source by the payer is to be deposited in the income tax department account. The tax so deducted from the income of the recipient is deemed to be payment of income tax by the recipient at the time of his assessment.

    For example, person responsible for paying any income which is chargeable to tax under the head 'Salaries' is required to compute the tax liability in respect of such income and deduct tax at source at the time of payment.If the employee has any other income,he needs to inform the employer so that employer can take that income into consideration while computing his tax liability but he will not take into account losses except loss from house property.

    Similarly, person responsible for paying any income by way of 'interest on securities' or any other interests are required to deduct tax at source at the prescribed rates at the time of credit of such income to the account of the payee or at the time of payment,whichever is earlier.

    The income from the following sources is subjected to tax deduction at source

    Salary and all other positive incomes under any head on income( Section 192 )

    Interest on securities ( Section 193 )

    Interest other than interest on securities( Section 194A )

    Payments to contractors and sub-contractors( Section 194C )

    Winnings from Lottery or crossword puzzles( Section 194B )

    Winnings from horse races( Section 194BB )

    Insurance Commission covering all payments for procuring Insurance business( Section 194D )

    Any interest other than interest on securities payable to non-residents not being a company or to a foreign company( Section 195 )

    Payment to non-resident sportsman including athlete or sports association/institution.In case of non-resident sportsman,payments in respect of advertisements as well as articles on any game/sports in India in newspapers,magazines,etc. is included( Section 194E )

    Payment in respect of deposits under NSS[National Savings Scheme]( Section 194EE )

    Payment on account of repurchase of Units by Mutual Fund or UTI( Section 194F )

    Payment for Commission or brokerage( Section 194H )

    Payment of rent( Section 194I )

    Payment of fees for professional or technical services( Section 194J )

    Commission to Stockist,distributors,buyers and sellers of Lottery tickets including remuneration or prize on such tickets( Section 194G )

    Income from Units purchased in foreign currency or long-term capital gain arising from the transfer of such Units purchased in foreign currency ( Section196B )

    Payment of any income to non-residents in respect of interest or dividend on bonds and shares( Section 196C )etc.

    Tax Collection at Source (TCS)

    Tax collection at source arises on the part of the seller of goods. Here, tax is collected at the source of income itself. It is to be collected at source from the buyer, by the seller at the point of sale. Such tax collection is to be made by the seller at the time of debiting the amount payable to the buyer to the account of the buyer or at the time of receipt of such amount from the buyer, whichever is earlier. A person collecting tax shall furnish a certificate specifying whether tax has been collected or not,what sum has been collected,the rate of tax applied on it and other such particulars as may be prescribed. It shall be furnished within 10 days from the date of debit or receipt of the amount furnished to the buyer to whose account such amount is debited or from whom such payment is received. The taxes collected must be remitted into the income tax department's account. Every person collecting tax shall, within such time as may be prescribed, apply to the Assessing Officer for the allotment of a tax-collection account number.

    The following goods when sold must be subjected to tax collection at source :-

    Alcoholic liquor for human consumption (other than Indian made foreign liquor).

    Timber obtained under a forest lease.

    Timber obtained by any mode other than under a forest lease.

    Any other forest produce not being timber.

    Tax Deduction and Collection Account Number (TAN)

    TAN or Tax Deduction and Collection Account Number is a 10 digit alpha numeric number required to be obtained by all persons who are responsible for deducting or collecting tax. All those persons who are required to deduct tax at source or collect tax at source on behalf of Income Tax Department are required to apply for and obtain TAN. TAN is allotted by the Income Tax Department on the basis of the application submitted to TIN Facilitation Centres managed by National Securities Depository Limited ( NSDL ). NSDL will intimate the TAN which will be required to be mentioned in all future correspondence relating to TDS/TCS. An application for allotment of TAN is to be filled in Form 49B and submitted at any of the TIN facilitation centres meant for receipt of e-TDS returns. The income tax act makes it mandatory for TAN to be quoted in all TDS/TCS returns, all TDS/TCS payment challans and all TDS/TCS certificates to be issued. Failure to apply for TAN or comply with any of the other provisions of the Act attracts a penalty. TDS/TCS returns will not be received if TAN is not quoted and challans for TDS/TCS payments will not be accepted by banks.

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  • What is Indian MODVAT and CENVAT
    Taxation of inputs, like raw materials, components and other intermediaries had a number of limitations. In production process, raw material passes through various processes stages till a final product emerges. Thus, output of the first manufacturer becomes input for second manufacturer and so on. When the inputs are used in the manufacture of product `A', the cost of the final product increases not only on account of the cost of the inputs, but also on account of the duty paid on such inputs. As the duty on the final product is on ad valorem basis and the final cost of product `A' includes the cost of inputs, inclusive of the duty paid, duty charged on product `A' meant doubly taxing raw materials. In other words, the tax burden goes on increasing as raw material and final product passes from one stage to other because, each subsequent purchaser has to pay tax again and again on the material which has already suffered tax. This is called cascading effect or double taxation.

    This very often distorted the production structure and did not allow the correct assessment of the tax incidence. Therefore, the Government tried to remove these defects of the Central Excise System by progressively relieving inputs from excise and countervailing duties. An ideal system to realize this objective would have been to adopt value added taxation (VAT). However, on account of some practical difficulties it was not possible to fully adopt the value added taxation.

    Hence, Government evolved a new scheme, `MODVAT' (Modified Value Added Tax). MODVAT Scheme which essentially follows VAT Scheme of taxation. i.e. if a manufacturer A purchases certain components(raw materials) from another manufacturer B for use in its product. B would have paid excise duty on components manufactured by it and would have recovered that excise duty in its sales price from A. Now, A has to pay excise duty on product manufactured by it as well as bear the excise duty paid by the supplier of raw material B. Under the MODVAT scheme, a manufacturer can take credit of excise duty paid on raw materials and components used by him in his manufacture. It amounts to excise duty only on additions in value by each manufacturer at each stage.

    The modvat scheme is regulated by Rules 57A to 57U of the Central Excise Rules and the notifications issued there under (The Central Excise Rules, 2002 (Section 143 of the Finance Act, 2002).

    Modvat Scheme ensures the revenue of the same order and at same time the price of the final product could be lower. Apart from reducing the costs through elimination of cascade effect, and bringing in greater rationalization in tax structure and also bringing in certainty in the amount of tax leviable on the final product, this scheme will help the consumer to understand precisely the impact of taxation on the cost of any product and will, therefore, enable consumer resistance to unethical attempts on the part of manufacturers to raise prices of final products, attributing the same to higher taxes.

    Subsequently, MODVAT scheme was restructured into CENVAT( Central Value Added Tax) scheme. A new set of rules 57AA to 57AK , under The Cenvat Credit Rules, 2004, were framed and whatever restrictions restrictions were there in MODVAT Scheme were put to an end and comparatively, a free hand was given to the assesses.
    Under the Cenvat Scheme, a manufacturer of final product or provider of taxable service shall be allowed to take credit of duty of excise as well as of service tax paid on any input received in the factory or any input service received by manufacturer of final product.

    The term "Input" means: -

    1. All goods, except light diesel oil, high speed diesel oil and motor spirit, commonly known as petrol, used in or in relation to the manufacture of final products whether directly or indirectly and whether contained in the final product or not and includes lubricating oils, greases, cutting oils, coolants, accessories of the final products cleared along with the final product, goods used as paint, or as packing material, or as fuel, or for generation of electricity or steam used in or in relation to manufacture of final products or for any other purpose, within the factory of production

    2. All goods, except light diesel oil, high speed diesel oil, motor spirit, commonly known as petrol and motor vehicles, used for providing any output service;

    Explanation 1 : The light diesel oil, high-speed diesel oil or motor spirit, commonly known as petrol, shall not be treated as an input for any purpose whatsoever.

    Explanation 2 : Inputs include goods used in the manufacture of capital goods which are further used in the factory of the manufacturer;"

    The term "Input service" means any service: -

    1. Used by a provider of taxable service for providing an output service; or

    2. Used by the manufacturer, whether directly or indirectly, in or in relation to the manufacture of final products and clearance of final products from the place of removal,

    And includes services used in relation to setting up, modernization, renovation or repairs of a factory, premises of provider of output service or an office relating to such factory or premises, advertisement or sales promotion, market research, storage upto the place of removal, procurement of inputs, activities relating to business, such as accounting, auditing, financing, recruitment and quality control, coaching and training, computer networking, credit rating, share registry and security, inward transportation of inputs or capital goods and outward transportation upto the place of removal;"

    Manufacturer and service providers can avail Cenvat credit of capital goods used by them. The plant and machinery and allied items are purchased by a manufacturer. Such goods known as capital goods may be duty paid. The capital goods shall be used in manufacture of final products or for providing output service. The CENVAT credit in respect of duty paid on capital goods shall be taken only for an amount not exceeding fifty percent of the duty paid in the same financial year and the credit of balance amount can be take in any financial year subsequent to the financial year in which the capital goods were received.

    Duty Paying Documents against which CENVAT credit can be availed are:-

    • Invoice issued by

      • A manufacture of inputs or capital goods.

      • An importer

      • An importer from his depot or premises of consignment agent,

      • Provided the depot/ premises is registered with central excise

      • A first/second stage dealer.

    • A supplementary invoice

    • A bill of entry.

    • A certificate issued by appraiser of customs

    • An invoice/bill/challan issued by providers of input service.

    • A challan evidencing payment of service tax.

    Credit of duty is allowed only if all the conditions given below are met:-

    • The basic criteria for availment of credit of duty paid on inputs or capital goods is that the goods shall be used in manufacture of final products.

    • The goods shall be accompanied with proper prescribed documents.

    • The final products shall not be exempt from whole of duty or chargeable to nil rate of duty.

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  • Indian Wealth Tax Income tax department
    Wealth tax is a direct tax, which is charged on the net wealth of the assessee. It is a tax on the benefits derived from ownership of property. The tax is to be paid year after year on the same property on its market value, whether or not such property yields any income. Wealth tax, in India, is levied under Wealth-tax Act, 1957. The Income tax department under the Department of Revenue in the Ministry of Finance administers the Wealth Tax Act, 1957 as well as the Wealth Tax Rules framed there under.

    Under the Act, the tax is charged in respect of the wealth held during the assessment year by the following persons :-

    Individual

    Hindu Undivided Family(HUF)

    Company

    Chargeability to tax also depends upon the residential status of the assessee same as the residential status for the purpose of the Income Tax Act.

    Wealth tax is not levied on productive assets, hence investments in shares, debentures, UTI, mutual funds, etc are exempt from it. The assets chargeable to wealth tax are :-

    Guest house, residential house, commercial building

    Motor car

    Jewellery, bullion, utensils of gold, silver etc

    Yachts, boats and aircrafts

    Urban land

    Cash in hand(in excess of 50,000), only for Individual & HUF

    The following will not be included in Assets :-

    Any of the above if held as Stock in trade.

    A house held for business or profession.

    Any property in nature of commercial complex.

    A house let out for more than 300 days in a year.

    Gold deposit bond.

    A residential house allotted by a Company to an employee, or an Officer, or a Whole Time Director ( Gross salary i.e. excluding perquisites and before Standard Deduction of such Employee, Officer, Director should be less than Rs. 5,00,000).

    The Assets exempt from Wealth tax are :-

    Property held under a trust.

    Interest of the assessee in the coparcenary property of a HUF of which he is a member.

    Residential building of a former ruler.

    Assets belonging to Indian repatriates.

    One house or a part of house or a plot of land not exceeding 500sq.mts,for individual & HUF assessee.

    Wealth tax is chargeable in respect of Net wealth corresponding to Valuation date.(Net wealth means all assets less loans taken to acquire those assets. Valuation date means 31st March of immediately preceding the assessment year). In other words, the value of the taxable assets on the valuation date is clubbed together and is reduced by the amount of debt owed by the assessee. The net wealth so arrived at is charged to tax at the specified rates. Wealth tax is charged @ 1% of the amount by which the net wealth exceeds Rs. 15 Lakhs.

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  • Schedule of Service Charges and Fees , Processing Fees of Allahabad Bank

    Schedule of Service Charges and Fees

    Name of the Bank

    Allahabad Bank

    Savings Bank A/c – No frills A/c

    Minimum Balance

    Rs.5/-

    Charges for non-maintenance thereof

    Nil

    Savings Bank Accounts with Cheque facility

    Minimum Balance

    Rs.500.00 for Rural/SU

    Rs.1000.00 for Metro/Urban

    Charges for non-maintenance thereof

    Rs.20.00 per month

    Savings Bank Accounts without Cheque facility

    Minimum Balance

    Rs.100.00 for Rural/SU

    Rs.500.00 for Metro/Urban

    Charges for non-maintenance thereof

    Rs.10.00 per month

    Other Savings Bank Account facilities

    Issue of Duplicate statement

    Rs.50 latest entry

    Rs.60 for previous entry/page

    Issue of loose cheque leaves

    Not Applicable

    Issue of Duplicate pass book

    Rs.50 latest entry

    Rs.60 for previous entry/page

    Remittance Facilities through own bank

    DD/PO/TT-Issue

    Upto Rs.1000.00

    Rs.25.00

    Above Rs.1000.00 upto Rs.5000.00

    Rs.35.00

    Above Rs.5000.00 to Rs.10,000.00

    Rs.40.00

    Above Rs.10,000.00

    Rs.3.00 per Rs.1000 or part thereof, Min.Rs.40 max.Rs.15000.00

    DD/PO-Cancellation/Duplication/Revalidation

    10% of the amount (rounded upto nearest Rupees) Max.Rs.100 per Instrument.

    NEFT- Outward

    Upto Rs.1 lakh

    Rs.5.00 per transaction

    Above Rs.1 lakh & Upto Rs 2 lakhs

    Rs 15.00 per transaction

    Above Rs 2 lakhs

    Rs 25.00 per transaction

    NEFT- Inward

    Nil

    RTGS – Outward

    Rs.2 lakhs to 5 lakhs

    Rs.25 per transaction

    Rs.5 lakhs & above

    Rs.50 per transaction

    RTGS-Inward

    Nil

    Remittance Outward

    0.125% per remittance Min.Rs.250.00

    Remittance Inward

    Under instructions from foreign correspondent

    Rs. 500.00

    To be executed in FC by issuing DD/MT/PO/TT

    Rs. 0.125% Min.Rs.250.00

    TCs – issue

    1% on Rupees equivalent Min.Rs.250.00

    TCs issued when FC received from abroad

    0.25% Minimum Rs.250/-








    Cheque Collection

    Local

    Outstation through own bank

    Upto Rs.10,000.00

    Rs.50 per instrument

    Above Rs.10,000.00 up to Rs.1 lakh

    Rs.100.00 per instrument

    Above Rs.1 lakh

    Rs.150 per instrument

    Outstation through another bank

    Commission on 50:50 basis, i.e. remitting bank to charge 50% & collecting bank to charge 50% of the applicable rate.

    Bouncing of cheques – local

    Rs.50 per cheque for SB

    Rs.75 per cheque for other

    Bouncing of cheques – outstation - through own bank

    Rs.75 per cheque for SB

    Rs.100 per cheque for other

    Retail loan

    Name of Scheme

    Processing fees

    Prepayment fees

    AllBank Saral Loan Scheme

    1% of loan amount, Minimum Rs.500

    2% of the Outstanding Balance only in case of takeover

    Personal Loan to Doctors & Medical Practitioners

    1% of Loan amount, Minimum Rs.500

    2% of the Outstanding Balance only in case of takeover

    Allahabad Bank Personal Loan Scheme for Pensioners

    0.50% of Loan amount, Minimum Rs.200

    Nil

    AllBank Mobike Scheme

    Rs.500/-

    2% of Outstanding Balance only in case of takeover

    Car Loan to salaried persons

    Rs.1000/-

    (Allahabad Bank Employees – NIL)

    2% of Outstanding Balance only in case of takeover

    Car Loan to others

    1% of the loan amount, Minimum Rs.2,000

    2% of Outstanding Balance only in case of takeover

    Loan against NSC/KVP

    1% of loan amount, Minimum Rs.250

    Nil

    Education Loan Scheme

    For studies in India – Nil

    For studies abroad-Rs.500/-upfront subject to the conditions that this amount would be adjusted against the loan amount once the loan is availed from us.

    Nil

    Housing Finance

    0.50% of Loan amount, Minimum Rs.10,000/-

    (Allahabad Bank Employees – Nil)

    2% of Outstanding Balance only in case of takeover

    Housing Finance for furnishing, repair etc.

    0.50% of Loan amount, Minimum Rs.500/-

    (Allahabad Bank Employees – Nil)

    Nil

    AllBank Rent Scheme

    Upto Rs.25 lakh : 1%, Minimum Rs.2,500/-

    Ø Rs.25 lakh to Rs.150 lakh : 0.50%, Min.Rs.25,000/-

    Ø Rs.150 lakh : 0.25%,Min. Rs.75,000/-

    2% of Outstanding Balance only in case of takeover

    AllBank Property Scheme

    Upto Rs.25 lakh : 1%, Minimum Rs.2,500/-

    Ø Rs.25 lakh to Rs.150 lakh : 0.50%, Min.Rs.25,000/-

    Ø Rs.150 lakh:0.25%, Min. Rs.75,000/-

    2% of Outstanding Balance only in case of takeover

    AllBank Abhushan Scheme

    Loan upto Rs.50,000 : Rs.500/-

    Loan above Rs.50,000 : Rs.1,000/-

    2% of Outstanding Balance only in case of takeover

    AllBank Trade Scheme

    Rs.200 per lakh, Minimum Rs.1,000/-

    Maximum Rs.20,000/-

    2% of Outstanding Balance only in case of takeover

    Overdraft facility in Savings Bank Accounts

    Nil

    Nil

    AllBank Gold Loan Scheme

    Nil

    Nil

    AllBank Gyan Dipika Scheme

    Nil

    Nil

    Personal Loan for LICI Employees & Officers

    1% of Loan amount, Minimum Rs.500/-

    Nil

    Personal Loan for LICI Agents

    1% of Loan amount, Minimum Rs.500/-

    Nil

    Clean Overdraft facility for LICI Officers

    1% of Loan amount, Minimum Rs.500/-

    Nil

    Housing Loan to LICI Employees, Officers & Agents

    0.50% of Loan amount, Minimum Rs.10,000/-

    Nil

    Short Term Loans for Financing by local Housing Board & Development Authorities for Allotment of Residential Plot/Flat House

    Loan amount upto Rs.50,000/- : Rs.250/-

    Loan amount above Rs.50,000/- : Rs.500/-

    Nil

    AllBank Reverse Mortgage Scheme

    One month’s annuity maximum Rs.10,000/-

    Nil

    No dues Certificate

    Rs.50 per certificate

    Solvency Certificate

    Upto Rs.5 lakhs

    Rs.1000.00

    Above Rs.5 lakhs up to Rs.10 lakhs

    Rs.2500.00

    Above Rs.10 lakhs up to Rs.25 lakhs

    Rs.3000.00

    Above Rs.25 lakhs up tp Rs.50 lakhs

    Rs.7500.00

    Above Rs.50 lakhs

    Rs.15000.00

    Charges for changing from fixed to floating rates of interest

    Housing Finance: 2% of outstanding balance on date of conversion.

    Charges for changing from float to fixed rates of interest

    Housing Finance: 0.50% of outstanding balance on date of conversion.

    Cards

    ATM-cum-Debit Card

    Membership fee

    Nil

    Annual fee

    Rs.100 p.a. (waived for 1st yr) for Personalized card

    NIL for Instant card till validity

    Renewal Charges

    Rs.100

    Interest charges/Late Payment charges

    Nil

    Replacement charges

    Rs.100

    Transaction Charges for Partner banks (NFS/VISA) within India

    Nil for ATMs

    Nil for POS except Railways and Petrol pumps

    Credit Cards

    Credit Card facility not provided by the Bank

    Membership fee

    --

    Annual fee

    --

    Renewal Charges

    --

    Late Payment Charges

    --

    Interest Charges

    --

    Replakhement Charges

    --

    Cash Withdrawal

    --

    MISCELLANEOUS

    Balance Certificate

    Nil (if within same Service Area)

    Account closure

    Savings Bank with Cheque Book Rs.100.00

    Savings bank without Cheque Book Rs. 75.00

    Current A/c Rs.200.00

    (Service Charges are levied if the A/c is closed within one year of opening)

    Photo attestation

    Rs.50 per certificate

    Signature attestation

    Rs.50 per certificate or list

    Stop Payment charges

    Rs.50 for SB per instrument

    Rs.75 for others per instrument (Max.Rs.300.00)

    In-operative account

    Savings Bank A/c –NIL

    Current A/c – Rs.75 per half yr.(if balance Below Rs.50,000)

    Note: Service Tax will be levied as applicable

    A. Services rendered free of charge:

    § 60 Cheque leaves will be allowed free to SB individual account holders in a Calendar year.

    § Cheques for the purpose of Post Dated Cheques (PDC) for our Bank will be issued free of cost.

    § Free collection/remittance facilities for Blind, Physically Handicapped, disabled individuals and Institutions set up for their benefits.

    § Free collection/discount of pension cheques/bills of pensioners of Central/State Govt./Armed Forces/ Freedom Fighters.

    B. Concessions to Senior Citizens/Pensioners

    § 20% below the normal Service Charges for Deposit Accounts and other Miscellaneous Issues would be allowed.

    C. Concessions to Defence, Paramilitary Personnel & Ex-Servicemen

    § At par collection of salary/terminal dues.

    § At par remittances to family up to Rs.10,000 per month and one time remittance for payment of School/College fees in a year (out of pocket expenses to be recovered)

    § At par custody of wills

    § In house Standing Instruction free of charge.

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