WILL EFFECTIVELY CHANGE THE STATUS OF

CUSTOMERS AT BRANCHES FROM BRANCH CUSTOMER

TO BANK CUSTOMER
CORE POWER WAS RESTRICTED TO CUSTOMERS
HAVING SAVINGS AND CURRENT ACCOUNTS UNDER
PER SEGMENT . NOW EXTENDED TO C& I, SIB AND
AGL SEGMENTS ALSO(GB/2005-06 / 152 DT.
28.03.2006)

TERMS USED
HOME BRANCH
CUSTOMER HAS SAVINGS OR CURRENT ACCOUNT
(OTHER BRANCHES WILL BE KNOWN AS NON-HOME
BR,)

HOME CENTRE
CENTER AT WHICH THE HOME BRANCH IS
LOCAETD(CLEARING ZONE AT THAT CENTRE WILL
BE THE BASIS FOR DEFINING THE HOME CENTRE)

NON-HOME CENTRES
ALL CENTRES OUTSIDE THE CLEARING ZONE OF THE
HOME BRANCH

INTER CORE BR.TRANSACTIONS

TRANSACTIONS
BRANCHES

BETWEEN

ONE

OR

MORE

CBS

 TRANSFER OF FUNDS FROM HOME BRANCH OR OTHER

CBS BRANCH, BY DEBIT TO CUSTOMERS A/C FOR
CREDIT OF OWN OR THIRD PARTY A/C HELD AT
ANOTHER CBS BRANCH.
DEPOSIT OF CASH FOR CREDIT TO OWN ACOUND, HELD
AT ANY CBS BRANCH, UPTO A CEILING OF RS.20,000/WILL BE PERMITTED AT PRESENT
NO CEILING ON AMOUNTS FOR CREDITS TO OWN
ACCOUNT AT HOME CENTRE AND NO CHARGES FOR
SUCH CREDITS.
CUSTOMERS CAN OPEERASTE THEIR HOME BRANCH A/C
FROM ANY OTHER NON HOME BRANCH FOR PURCHASE
OF DDs,BCs,TTs.

 SAME DAY CREDIT TO ACCOUNT IN RESPECT OF

INSTRUMENTS DEPOSITED AT HOME BRANCH
WHERE THESE INSTRUMENTS ARE PAYABLE AT SAME CENTER
INSTRUMENTS DRAWN UPON ANOTHER CBS BR ANYWHERE

SAME DAY CREDIT TO ACCOUNT IN RESPECT OF

INSTRUMENTS DEPOSITD AT NON-HOME BRANCH AND
DRAWN ON HOME CBS BRANCH OR ANY OTHER CBS
BRANCH.
ACCOUNT HOLDER CAN USE THEIR CHEQUES FOR CASH
WITHDRAWAL AT ANY CBS BRANCH,WITHOUT CEILING.
GET CLEARING CREDITS DIRECT TO ACCOUNT AFTER
REALISATION IF INSTRUMENTS DEPOSITED AT ANY CBS
BRANCH IN THE SAME CLEARING CENTRE
GET CREDIT OF PROCEEDS OF OUTSTATION CHEQUES
REALISED ON THE SAME DAY THROUTH DIRECT CREDIT BY
THE PAYING BRANCH TO SPECIFIED ACCOUNT AT ANY CBS
BRANCH

 AVAILABLE TO CUSTOMERS UNDER ALL THE SEGMENT

FOR CUSTOMERS MAINTAINING REGULAR AND
SATISFACTORY CUNDUCTED ACCOUNTS SB CA
INCLUDING OVERDRAFTS AND CC ACCOUNTS
FACILITY WILL NOT BE AVAILABLE TO
A/cs which are dormant / inoperative or frozen
Where stop payment instructions or posting restrictions have
been applied by the home branch

 NO TRANSACTRIONS IN DORMANT AND INOPERATIVE

ACCOUNTS FROM ANY NON-HOME BRANCH.
TRANSACDTIONS AT THE HOME BRANCH FREE OF COST
NO LIMITS FOR INTER BR TR AT THE HOME BRANCH
CHEQUES DRAWN ON OTHER BANKS SHOULD NOT BE
ACCEPTED
FOR INTER CB TR A NOMINAL FEE OF RS. 20/- PER TR
WILL BE CHARGED ONLY IF TR AMT EXCEEDS RS.20,000
INCLUDING FROM STAFF MEMBERAS
THE NOMINAL FEE OF RS.20/- IS INCLUSIVE OF SEVICE
TAX AND EDUCATION CESS. HENCE NEED NOT BE
RECOVERED SEPERATELY.
BRANCH SHOULD RECOVER THE USUAL DD/BC CHARGES
AS PER EXTANT RULES WHERE APPLICABLE.

BRANCH TO ENSURE THE CUSTOMERS DETAILS ARE

VERIFIED ON THE SYSTEM BEFORE PUTTING THROUGH
TRANSACTIONS. THE SYSTEM WILL PROVIDE FULL
DETAILS OF THE CUSTOMER ACCOUNTS,SPECIMAN
SIGNATURE TO FACILITATE IDENTIFICATION OF THE
NON-HOME CUSTOMER, AND HIS IDENTIFICATION.
BRANCH CONDUCTING THE TRANSACTION TO IDENTIFY
THE TRANSACTION AS NON-HOME TRANSACTION AND
RECOVER APPROPRIATE CHARGES WHERE APPLICABLE
THE NON-HOME TRANSACTION VOUCHERS WILL BE
RETAINED AT THE BRANCH WHERE THE TRANSACTION IS
CONDUCTED.THESE MUST BE CHECKED IN THE DAYS
VOUCHER VERIFICATION REPORT (VVR)IN USUSL MANNER
AT PRESENT SOFT WARE DO NOT PROVIDE FOR AUTO
RECOVERY OF CHARGES AND DEFFERENCIATION OF CBS
BRANCHES AT HOME/ NON-HOME CENTERS, BRANCHES
WILL HAVE TO RECOVER NECESSARY CHARGES.

Tr. OF FUNDS BY Dr TO SB /
CA FROM THE HOME Br TO
ANY OTHER ACCOUNT (SELF
OR THIRD PARTY) AT
ANOTHER CBS BR FOR SAME

TRANSFER OF FUNDS BY
ISSUING A CHEQUE FOR
RS. 1 LAC BY X TO CA OF Y,
WILL BE DONE ON THE SAME
DAY.

DAY CREDIT AT
A) HOME CENTRE. FOR
SUCH LOCAL
TRANSFERS, NO
CHARGES WILL BE
LEVIED AND THERE WILL
BE NO UPPER CEILING.

B) NON-HOME CENTRE.
WITH THRESHOLD OF RS.
20,000/-

WHILE RS. 1 LAC WILL BE

CREDITED TO YS CA IF
MAINTAINED AT A2
BRANCH .

IN CASE YS CA IS AT B2
BRANCH,RS.20/- WILL BE
RECOVERED TOWARDS
CHARGES FROM THE
PROCEEDS AND BALANCE
AMOUNT OF RS. 99,980/WILL BE CREDITED

DEPOSIT OF CASH, BY
THE DUSTOMER OR
THE THIRD PARTY,
FOR SAME DAY CREDIT
TO THE ACCOUNT
FROM A NON-HOME
CBS BR WITH A
CEILING OF RS.20,000/PER TRANSACTION. IN
OTHER WORDS, THIS
FACILITY IS NOT
AVAILABLE FOR
TRANSACTIONS
ABOVE RS. 20,000/-

DEPOSIT OF CASH
UPTO
RS.20,000/PER TR FOR SAME
DAY CREDIT TO SB
A/c
OF
X
MAINTAINED AT
A-1 CAN BE MADE
FROM ANY OTHER
CBS BR, AT ANY
CENTRE
ACROSS
THE
COUNTRY
WITHOUT
ANY
CHARGES

a) Deposited at the home branch and

drawn on other CBS branches at home
centre. NO CHARGES WILL BE
LEVIABLE ON SUCH CREDITS
IRRESPECTIVE OF AMOUINT

b) Deposited at home
branch and drawn on
CBS
branches at nonhome centers with
threshold of Rs. 20,000/-

c) Deposited at a non-home CBS

branches and drawn on home /
other CBS branches with
threshold of Rs. 20,000/Rs.20/- will be charged for tr.
beyond the threshold amount

X gets a cheque/
instrument in his favour,
drawn on our A-2 or B-1
branch. He deposits that
at the A-1 branch or at
A-3 branch or at B-1
branch,alongwith the
required pay-in-slip for
credit to his SB a/c.
The proceeds can be
credited on the same
day.

DEPOSIT OF CHQ. /INST.

AT ANY OUTATSTION
CBS BRANCH ( FOR
CREDIT TO THE ACCOUNT
AT HOME BRANCH)
WHICH ARE DRAWN ON
THAT OUTSTAION
CENTRE ON
A) HOME CBS BR.
OR
B) ANY NON-HOME CBS
BR.
AS TENDERING OF SUCH
CHEQUES /
INSTRUMENTS WILL BE
BASED UPON THE
ACCOUNT NO. /
INF.PROVIDED IN THE
PAY-IN-SLIP / CHEQUE.

A CHQ./INST FOR
RS.1 LAC DRAWN ON
CENTRE B ON ANY
CBS
BRANCH
AT
CENTRE
B,
IN
FAVOUR OF X CAN BE
DEPOSITED AT ANY
OF
OUR
CBS
BRANCHES
AT
CENTRE
B,
THE
PROCEEDS OF WHICH
CAN BE CREDITED TO
HIS
ACCOUNT
AT
THE HOME BRANCH,
ON CLEARANCE.
Rs.20
WILL
BE
RECOVERED
FROM
THE
PROCEEDS
TOWARDS
BANK
CHARGES.

ENCASHMENT OF SB/CA
CHEQUES BY THE A/C HOLDER
AT NON-HOME CBS BR. SUCH
ENCASHMENT CAN BE FOR,

UNDER THE FACILITY FOR

ISSUANCE OF DD/BC/TT AT THE
NON-HOME CBS BR. TWO LEGS ARE
INVOLVED

A) CASH WITHDRAWAL

1. UNDER THE FIRST LEG THE

ACOUNT WILL BE DEBITED FOR
THE REQUIRED AMOUNT.

B) TR.THE PROCEEDS TO ANY

OTHER SB/CA( SELF OR THIRD
PARTY) AT ANOTHER CBS BR.
C) ISSUANCE OF DD/BC/TT
ENCASHMENT OF CHQA BOVE
RS.20,000/-,UNDER A) AND
B), WILL BE CHARGED AT A
RATE OF RS.20/- PER TR.
IN CASE OF C) USUAL
CHADRGES FOR ISSUANCE OF
DD/BC/TT WILL BE LEVIED
ADDITIONALLY

2. THE OTHER TR.i.e. THE SECOND

LEG WILL BE FOR ISSUING THE
DD/BC/TT AS WELL AS FOR
ISSUING USUAL ISSUANCE
CHARGES.
IN THESE CASES, ENCASHMENT OF
CHEQUES ARE ONLY PERMISSIBLE,
SUCH ENCASHMENT CANNOT BE
MADE BY WITHDRAWAL SLIPS /
OTHER INSTRUMENTS.