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The Muktsar Central Cooperative Bank Ltd.

WAY TO BRANCHES

Sr NoName of the branchAddressPhone NoIFSCode
11401-Head OfficeAdarsh School Street, Deep Nagar, Sri Muktsar Sahib, Punjab 152026, India01633-500244UTIB0SMCC01
21402-MUKTSAR MAIN1, Kotkapura Rd, Dashmish Nagar, Sri Muktsar Sahib, Punjab 152026, India01633-262078UTIB0SMCC01
31403-MUKTSAR EveningS.c.f. 72, New Grain Market, Sri Muktsar Sahib, Punjab 152026, India01633-275229UTIB0SMCC01
41404-ABUL KHURANA4GMR+H2H, Abul Kharana, Punjab 152114, India01637-248117UTIB0SMCC01
51405-AULAKH7GG6+8M3, SH16, Aulakh, Punjab 152112, India01637-252821UTIB0SMCC01
61406-BARIWALAGMM3+GFW, Mandi Bariwala, Punjab 152025, India01633-275229UTIB0SMCC01
71407-DODA9JMP+46Q, Doda, Punjab 152031, India01633-270129UTIB0SMCC01
81408-GIDDERBAHA6M54+2GH, Gidderbaha, Punjab 152101, India01637-230096UTIB0SMCC01
91409-KILLIANWALIXMFX+RFH, Badal Colony, Mandi Dabwali, Punjab 151211, India01637-223031UTIB0SMCC01
101410-LakhewaliLakhewali mainbazar, Lakhewali, Punjab 152026, India1633274306UTIB0SMCC01
111411-LAMBI3J46+36X, NH9, Lambi, Punjab 152113, India01637-240316UTIB0SMCC01
121412-MALOUTOld Post Office Chowk, 5GQ3+39P, near UCO Bank, Malout, Punjab 152107, India01637-262102UTIB0SMCC01
131413-ASSA BUTTERCMQ8+C83, Aasa Buttar, Punjab 152025, India01633-287056UTIB0SMCC01
141414-BadhaiGC4Q+QVF, Badhai, Punjab 152026, India01633-278398UTIB0SMCC01
151415-KOTLI ABLU8QWQ+9MG, Kotliablu, Punjab 151201, India01637-239103UTIB0SMCC01
161416-MADHIR7JPC+Q9 Madhir, Punjab, India01637-237429UTIB0SMCC01
171417-Midda79W4+4Q2, Midda, Punjab 152210, India01637-242108UTIB0SMCC01
181418-Rasulpur Kera3CH6+4WV, Farid Khera, Punjab 152115, India01637-246300UTIB0SMCC01
191419-RORANWALI2G55+P3V, Rorhan Wali, Punjab 152113, India01637-285623UTIB0SMCC01
201420-PANNIWALA885H+VJR, Panniwala Fatta, Punjab 152210, India01637-242632UTIB0SMCC01
211421-Thande walaFH8P+PQ4, Thande Wala, Punjab 152026, India01633-259044UTIB0SMCC01
221422-Mansingh walaMH27+77P, Maan Singh Wala, Punjab 151212, India01633-273330UTIB0SMCC01
231423-Mahuana4H65+6VR, GT Rd, Mahuana, Punjab 152114, India01637-278343UTIB0SMCC01

WAY TO ATMs

Sr NoName of the BranchAddress
11402-MUKTSAR MAIN1, Kotkapura Rd, Dashmish Nagar, Sri Muktsar Sahib, Punjab 152026, India
21405-AULAKH7GG6+8M3, SH16, Aulakh, Punjab 152112, India
31407-DODA9JMP+46Q, Doda, Punjab 152031, India
41408-GIDDERBAHA6M54+2GH, Gidderbaha, Punjab 152101, India
51409-KILLIANWALIXMFX+RFH, Badal Colony, Mandi Dabwali, Punjab 151211, India
61411-LAMBI3J46+36X, NH9, Lambi, Punjab 152113, India
71412-MALOUTOld Post Office Chowk, 5GQ3+39P, near UCO Bank, Malout, Punjab 152107, India

ATM & NEFT/RTGS Charges

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ATM & NEFT/RTGS Charges
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1ATM ChargesAnnual ATM card charges ->1st year free ->2nd year – Rs.100/-Same Charges
2ATM Financial TxnATM Aquirer (Financial Txn) charges, after 5 transactions – Rs.21/- per transactionSame Charges
3ATM Non-Financial TxnATM Aquirer (Non Financial Txn) charges, after 5 transactions – Rs.7/- per transactionSame Charges
4New ATM card issue charges1st ATM card is freeSame Charges
5For reissue of ATM card – Rs.200/-Same Charges
6SMS ChargesRs. 5/- per monthSame Charges
7RTGS/NEFT chargesNo chargesNo charges

Bank Gurantee Against Deposit Charges

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Bank Gurantee Againt Deposit Charges
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Bank Guarantee against depositMinimum charges Rs.500/-Up to Rs.500000- 2% p.a.Above Rs. 500000 – 1% p.a.Charges to be levied at the time of issuing of guaranteeSame Charges

Interest Certificate Charges

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Interest Certificate Charges
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Interest certificate/ Balance certificateFirst copy- FreeSubsequent copy- Rs.100/-per copyNo charges

Photo Attestation and Signature Verification Charges

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Photo Attestation and Signature Verification Charges
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Photo attestation chargesRs.50/- for Saving AccountsRs.100/- for Current AccountsNo charges
2Signatures verification chargesRs.50/- for Saving AccountsRs.100/- for Current AccountsFree for- Students, Defence forces, War widows, Physically handicap & Signature attestation for ECS purposeNo charges

Account Closer Charges Saving/RD

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Account Closer Charges->Saving /RD
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Account closer chargesUp to 1 year account Rs.500/-above 1 year account Rs.250/-No charges for deceased casesNo charges
2Closing of RD A/c before maturityRs.100/-On account of death of customer no charges should be levied.Same Charges
3Penalty for late payment of RD installmentPenalty charges to be levied for delayed installments in Recurring Deposit Accounts @ Rs.2/- for Rs.100 p.m. irrespective of periodicity of deposit (Minimum Rs.20/-)Same Charges

Cash Deposit in Current Account*

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Cash Deposit in Current Account*
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Cash deposit in Current Account (except Govt./Coop. Institutions.)No chargesNo charges

Payments under CBS other than Parent Branch

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Payments under CBS other than Parent Branch
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Payments under CBS Other than parent branchCash Payment/Deposits under CBSOther than parent branch customers.No chargesNo charges

Excess Debit Entries Charges in SB Account

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Excess Debit Entries Charges in SB Account
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Charges for excess debit entries in SB AccountAfter 30 Manual Debit entries per half year, Rs.5/- per entryshould be debited by system,No charges

Saving/Current Account->Cheque Book Charges

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Saving/Current Account->Cheque Book Charges
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Cheque Book charges Saving Bank A/cOne cheque book containing 20 leaves free per half year Rs.2.50/- per leaf for extra cheque.Same charges
2Cheque Book chargesCurrent A/cNo free cheque book is to be issued. Rs.3.00/- per leaf for each cheque.Same charges

Saving/Current Account->Minimum Balance Charges

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Saving/Current Account->Minimum Balance Charges
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Maintenanceof Minimum BalanceSaving Bank DepositsThe Customer who does not maintain minimum balance of Rs.500/- and Rs.1000/- withcheque book facility in his account the service charges shall be levied atthe following rates per month:Rs.100/- per month, will be debited every month.No charges for Senior Citizens.No charges
2Maintenanceof Minimum Balance Current AccountMin. balance Rs.5000/- is to be maintained.Rs.300/- per month, will be debited every month for non-maintenance ofminimum balance.Same Charges

Account Statement and Duplicate Pass Book Charges

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Account Statement and Duplicate Pass Book Charges
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Statement of account All types of accounts.One statement for current month and proceeding month is free.Rs.50/- per statement for other months of current financial year.Rs.100/- per statement for proceeding financial years.No service charges for statement through own registered E-Mail.No charges
2Duplicate Pass BookFirst Pass-Book free.Additional passbooks on completion of previous passbook is also free.Rs.100/- for issuing duplicate passbook on request.Same charges

SAFE Custody and Locker Rent Charges

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SAFE Custody and Locker Rent Charges
Sr No.Detail of ServicesApplicable Charges (For Customers)ChargesApplicable Charges {For Bank Staff (Including Retired)}
1SAFE CUSTODY CHARGESCharges for sealed cover/envolpe is Rs.300/- per month for per cover/ envolpe.Charges for a box is Rs.600/- per month for per box.Same Charges
2LOCKER RENTSmall Locker900/- p.a.Concession of 50% charges in Locker rent. All other charges will remain same.
Medium Locker1500/-p.a.
Big Locker3000/- p.a.
Extra Large Locker5000/-p.a.
No Lien
Note: In case of loss of key of the Lockers, actual expenditure incurred for breaking open the locker and changing the lock by manufacturers of lockers, should be recovered from the account holders. Penalty charges per Quarter or part thereof:
Small LockerRs.100/-
MediumRs.300/-
BigRs.500/-
Extra LargeRs.800/-
* Any default will atract penalty charges for a full quarter.
*The rent should become due w.e.f. 1st of succeeding month, in which the locker is leased out. One month may be allowed for payment of rent due.

Standing Instructions and STOP Payment Instructions

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Standing Instructions and STOP Payment Instructions
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1STANDING INSTRUCTIONSRejection/Failure charges are Rs.50/- per instruction once during a month.For RD account rejection charges are Rs.25/- per instruction once during a month.No charges
2STOP PAYMENT INSTRUCTIONAll types of accountsPer instrument Rs.100/-andRs.50/- for additional each instrument in a single instance.Same Charges

Issuance/Cancellation of Banker Cheque /Pay Order/DD

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Issuance/Cancellation of Banker Cheque /Pay Order/DD
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Issuance of Banker cheque/ Pay order/DDUp to Rs.10000/- Rs.50/- Above Rs 10000/- Rs.50/- plus Rs.3/- per thousand for amount above Rs.10000/- Maximum Rs.10000/- Branch Manager is authorized to waive charges to Govt./Semi-Govt./ Cooperative Institutions, having good amount of deposit.Every Staff Member is entitled for one free draft/ payorder of any amount in a month
2Issuance of Duplicate Banker’s cheques/DDsRs.100/-No charges
3Revalidation/Cancellation Of Pay order/DDsRs.50/-No charges

Cheques/ECS- Outward Inward

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Cheques/ECS- Outward Inward
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Outward Cheques/Bills returned unpaidCharges for outward Cheques/Bills Clearing Returns, outward loan Cheques return. Rs.100/- per instrumentSame Charges
2Inward Cheques/Bills return unpaidRs.100/- per instrument.Same Charges
3ECS outward and inward clearing returnRs.100/- per instrumentSame charges

Collection of Outstation Cheques/Bills

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Collection of Outstation Cheques/Bills
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Collection of Outstation ChequesUp to Rs. 5000/- Rs 25/- From Rs 5001/- to Rs 10000/- Rs.50/- From Rs10000/- to Rs 100000/ Rs 100 Above Rs100000/- Rs150/- Above charges are per instrument.Same charges
2Collection of BillsUp to Rs. 10000 Rs. 50/- plus Postal charges Rs. 10001 and above Rs.6/- per thousand, Min 100/- and Max. 12000/- plus postage. No collection charges to be levied for collection of local cheques/drafts. However, out of pocket expenses be recovered in full. Collection charges in cases of outstation cheques/bills should be levied on the gross amount of instrument. Further, No charges to be taken from Senior Citizens/pensioners for collection of pension up to Rs 10000/-Same charges

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