1.

LEDGER FOLIO CHARGES.

CURRENT & OVERDRAFT ACCOUNTS

• Ledger fee per entry
• Minimum charges per month

25/-

500/-

SAVINGS BANK ACCOUNT

Nil

BARODA PERSONAL ACCOUNT

Nil

Note:

30 entries or part thereof to be treated as one ledger page for accounts maintained on Computers.

2.

CHARGES FOR ISSUE OF DUPLICATE OR INTERIM STATEMENT / PASS BOOK

Original Statement / Pass Book

Duplicate OR Interim Statement / Pass Book(per folio)

• For Individual
• Non – Individual

Nil

100/-

200/-

Note:

• 30 entries or part thereof to be treated as one ledger page for accounts maintained on Computers.
• Charges to be levied for Statement issued on hard copy or by e-mail.
• Branch Head can allow reduction / waiver for high value customers.

CHARGES FOR ISSUE OF DUPLICATE TDR / ACKNOWLEDGEMENT IN CASE OF LOSS OF TDR

500/-

3.

CHEQUE BOOK CHARGES ( Per Leaf )

CURRENT & OVERDRAFT ACCOUNTS

BARODA PERSONAL ACCOUNT

15.00

15.00

Note: Stamp duty / Govt. revenue to be recovered additionally.

S No.

AREA OF BANK SERVICE

SERVICE CHARGES

4.

CHARGES FOR NOT MAINTAINING MINIMUM BALANCE.

(PREVALENT MINIMUM BALANCE TO BE MAINTAINED AS PER SCHEME)

CURRENT & OVERDRAFT ACCOUNTS

BARODA PERSONAL ACCOUNT

SAVINGS BANK ACCOUNT

500/-

250.00

NIL

5.

CHARGES FOR STANDING INSTRUCTIONS

 i) At the time of acceptance

• Execution per instance (BOB VUNA)
• Execution per instance
• Amendment / Stoppage
• Inability to carry SI on account of insufficient balance.

500/-

Nil

200/-

500/-

1000/-

6.

CHARGES FOR STOP PAYMENT INSTRUCT-ION (PER INSTRUMENT)

500/-

IN CASE OF LOSS OF COMPLETE CHEQUE BOOK (MAXIMUM CEILING AS BELOW)

CURRENT & OVERDRAFT ACCOUNTS

BARODA PERSONAL ACCOUNT

2500/-

2500/-

7.

CHARGES ON CHEQUE RETURNED UNPAID

• Cheque deposited and Returned Unpaid (Inward Return)
• Cheque (drawn on us returned ) Outward Return
• Financial Reasons
• Technical Reason
• For transfer cheques, charges to be recovered from the drawer of cheque.

500/-

2000/-

500/-

8.

CHARGES INTERNAL TRANSFER – (per entry – without Cheque Book).

200/-

9.

SALARY PROCESSING

100/-

S No.

AREA OF BANK SERVICE

SERVICE CHARGES

10.

PREMATURE CLOSURE OF ACCOUNT (WITHIN 1 YEAR OF OPENING)

CURRENT & OVERDRAFT ACCOUNTS

BARODA PERSONAL ACCOUNT

SAVINGS BANK ACCOUNT

1000/-

500/-

Nil

NOTE : No charge for premature closure of account on account of death of account holder.

11.

CHANGE OF SIGNATORY INCLUDING RECONSTITUTION OF ACCOUNT (ADDITION DELETION IN JOINT NAME INCLUDING LOCKER)

• For Individual
• Non – Individual

200/- 

500/-

NOTE : No charge for premature closure of account on account of death of account holder.

12.

CHARGES ON ISSUANCE OF BALANCE CERTIFIACTE (AT REQUEST OF CUSTOMER)

• For Individual
• Non – Individual

200/-

500/-

13.

CERTIFICATION OF DOCUMENT (PER DOCUMENT)

500/-

14.

AUDIT CONFIRMATION / REPORT

2000/-

15.

INVESTIGATION / QUERY – PER ITEM / RECORD (CHEQUE, DEPOSIT & WITHDRAWAL)

• Upto 1 year : 500/-
• Over 1 year.

500/-

1000/-

16.

PROVIDING BANKERS / CREDIT OPINION  REFERANCE LETTER

• For Individual
• Non – Individual

1000/-

1000/-

S No.

AREA OF BANK SERVICE

SERVICE CHARGES

PROCESSING CHARGES (FUND BASED & NON-FUND BASED FACILITIES)

a.

• To be recovered in case of take over accounts and non-customers approaching for facilities
• Amount to be recavernd upfront
• Amount will be refunded on availment
• Banik can allow reduction/exemption from deposit of upfront processing charges.

0.50% of limits requested

b.

2. FORECLOSURE CHARGES (ON ACCOUNT OF TAKE OVER/SHIFTING TO OTHER BANK/FI BEFORE FULL TENOR OF LOAN/FACILITY)

0.50% of outstanding balance

c.

GUARANTEES
Commission on issue of B.G.

• Charges to be recovered including claim period, if any, at time of issue
• 50% of above commission if 100% cash margin is provided
• 50% of above, if backed by counter-guarantee of other reputed bank
• 50% of above for Bid Bond.

d.

LETTER OF CREDIT (LC)

0.50% per quarter or part thereof

0.50%

0.50% per quarter or part thereof

e.

Amendments

f.

Discrepancy Charges

Note:

• Charges are to be recovered when an LC is opened or amended. No refund may be allowed whatsoever, whether a credit is cancelled, partly availed or expired wholly unavailed
• Postage, Courier, Fax, Telex, SWIFT, other out of pocket expenses shall be recovered additionally

1.

Collection of Outstation Cheques

0.25%

min 100/=

max2500/=

Note : 

• Postage , Courier , other out of pocket expenses shall be recovered additionally

2.

Collection of Bills (Clean, Documentary – Demand, Usance)

a.

IBC / FIBC

• Upto Kshs. 100,000/=
• Over Kshs. 100,000/=

500/- flat

0.25%

min 500/=

max15000/=

Note : 

• Postage , Courier , other out of pocket expenses shall be recovered additionally.

b.

OBC / FOBC

• Upto Kshs. 100,000/=
• Over Kshs. 100,000/=

500/- flat

0.25%

min 500/=

max15,000/=

Note : 

• Postage , Courier , other out of pocket expenses shall be recovered additionally

c.

Availisation of Document

0.25% per quarter or part  thereof.

d.

Custody / Holding Charges on Overdue Bill under FIBC

50/- per day.

3.

BILLS PURCHASE / DISCOUNT

 Handling / Collection charges

0.25%

min 500/=

max15,000/=

1.

ISSUE OF DD / BANKERS CHEQUE (INLAND)

• Upto Kshs 100,000/=
• Over Kshs 100,000/=

Note:

• No exchange in case disbursement of loan directly to the supplier.
• 50% additional over applicable rates in case of issuance of DD / Bankers Cheque against cash deposit.
• 100% additional charge in case of non-customers. (DD / Bankers Cheque of max Kshs 50,000/= can be issued to non – customers)

250/-

1000/-

2.

CANCELLATION OF DD/ BANKERS CHEQUE (per instrument)

250/-

3.

OUTWARD REMITTANCE

a.

RTGS (irrespective of amount)

500/-

b.

EFT (irrespective of amount)

• Through Standing Instruction
• Other

200/-

300/-

c.

SWIFT (irrespective of amount)

1500/-

4.

RAPID FUNDS TO INDIA

a.

Account with Bank of Baroda

• Upto Kshs 50,000/=
• Over Kshs 50,000/

 200/-

500/-

b.

Other Bank through RTGS / NEFT

• Upto Kshs 50,000/=
• Over Kshs 50,000/

500/-

1000/-

c.

Other Bank through SWIFT

1500/-

5.

INWARD  FOREIGN REMITTANCE THROUGH SWIFT

• Customer Account
  1. (Amount up to 100,000)
  2. (Amount above 100,000)
• Non – Customer

 500/-

 1000/-

3000/-

6.

INWARD REMITTANCE (INLAND) – NEFT / RTGS

Nil

7.

Travellers Cheque

Note: Postage , Courier , other out of pocket expenses shall be recovered additionally

1%

8.

REMITTING FUNDS TO KRA THROUGH T-TAX

i. Bank's customer
ii. Non-customer

110.00
220.00

1.

CASH HANDLING (RECEIPT ONLY)

• Customers of Bank – Kshs 1/- million & above per day.

 0.125%

2.

WITHDRAWAL FORM

• Cheque Book not issued.
• Cheque Book issued. (max. withdrawal allowed Kshs. 100,000/=)

Nil

200/-

3.

CASH WITHDRAWAL (INTER – SOL ONLY)

a.

CUSTOMER / AUTHORISED AGENT (AS PER BANK’S RECORD)

• Upto Kshs 1/- million per day
• Above Kshs 1/- million per day

Nil

0.05%

max.2500/=

b.

THIRD PARTY

Note : –

• Kshs 250/= per cheque will be deducted from     proceeds.
• Max. withdrawal restricted to Kshs. 100,000/=
• No cutting / overwriting on cheque.
• Copy of Identity proof along with original must be produced.

250/=

4.

POSTAGE

Inland

Overseas

Courier (International)

300/-

1000/-

4000/-

1.

RENT ON LOCKERS

CATEGORY OF LOCKER

RENT PER ANNUM

A

2500/-

B

2800/-

C

3100/-

D

3400/-

E

3700/-

F

4000/-

G

4500/-

H

5000/-

NOTE :

• Refundable Security Deposit as per policy.
• Security Deposit to be refunded at time of surrender.
• Security deposit to be kept as FDR without receipt carrying applicable rate of interest as per period of deposit.

2.

CHARGES FOR RENT IN ARREARS

25% of rent in arrears (Subject to max. of -4- years )

3.

CHARGES ON LOSS OF KEYS / BREAKAGE OF LOCKER.

5000/-

1.

BARODA CONNECT REGISTRATION

Nil

2.

INTERNAL TRANSFER THROUGH BARODA CONNECT

Nil

3.

TRANSFER TO 3RD PARTY WITHIN BANK

Nil

4.

STATEMENT GENERATION THROUGH NET BANKING

Nil

5.

VISA DEBIT CARD ANNUAL MAINTAINANCE FEE

800.00

6.

ANNUAL SMS NOTIFICATION FEE

200.00

7.

VISA DEBIT CARD REPLACEMENT FEE

500.00

8.

PIN CHANGE FEE

100.00

9.

CASH WITHDRAWAL AT OTHER BANKS' ATM IN KENYA

Pesapoint ATM: 70.00
Other ATMs: 100.00

10.

CASH WITHDRAWAL IN FOREIGN CURRENCY

100.00+ Foreign Exchange Difference

11.

PESALINK CHARGES

12.

1.

ENTRY / LEDGER FOLIO CHARGES

Nil

2.

CHARGES FOR ISSUE OF DUPLICATE / INTERIM STATEMENT / PASS BOOK

Original Statement / Pass Book

Duplicate Statement / Pass Book

• For Individual
• Non – Individual

Nil

$5.00

$10.00

3.

CHARGES ON CHEQUE RETURNED UNPAID

• Cheque deposited and Returned Unpaid (Inward Return)
• Cheque (drawn on us returned ) Outward Return
• Financial Reasons
• Technical Reason

$5.00

$25.00

$10.00

4.

STOP PAYMENT CHARGES (PER INSTRUMENT)

$5.00

5.

CHARGES FOR NOT MAINTAINING MINIMUM BALANCE.

NIL

6.

PREMATURE CLOSURE OF ACCOUNT (WITHIN 1 YEAR OF OPENING)

• For Individual
• Non – Individual

$15.00

$25.00

7.

ISSUE OF DD / MT / BANKERS CHEQUE

• Upto 1000/-
• Over 1000/-

$10.00

$25.00

8.

CHARGES FOR STANDING INSTRUCTIONS

• At the time of acceptance
• Execution per instance
• Amendment / Stoppage
• Inability to carry SI on account of insufficient balance.

$10.00

Nil

$10.00

$25.00

S.No.

AREA OF BANK SERVICE

SERVICE CHARGES

9.

CASH HANDLING (DEPOSIT ONLY)

• Upto 2000/-
• Over 2000/- upto 10000/-
• Over 10000/- upto 15000/-
• Over 15000/- upto 20000/-
• Over 20000/-

NIL

0.125%

0.250%

0.50%

1/-%