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The Bathinda Central Cooperative Bank Ltd.
LIST OF PUNJAB HOLIDAYS
Under Negotiable Instruments Act

SR. NO.DATEDAYNAME OF HOLIDAYS
126-Jan-2026MondayRepublic Day
204-Mar-2026WednesdayHoli
321-Mar-2026SaturdayEid ul fitar
401-Apr-2026WednesdayBank holiday
501-May-2026FridayLabour Day
627-May-2026WednesdayEid ul Juha (Bakrid)
715-08-2026SaturdayIndependance Day
804-Sep-2026FridayJanam Ashtami
902-Oct-2026FridayGandi Jayanti
1020-Oct-2026TuesdayDussehra
1126-Oct-2026MondayValmiki Jayanti
1209-Nov-2026MondayVishwakarma Day
1324-Nov-2026TuesdayBirthday Shri Guru Nanak Dev Ji
1414-Dec-2026MondaySri Guru Teg Bahadur Ji’s Martyrdom Day
1525-Dec-2026FridayChristmas Day
1628-Dec-2026MondayShaheedi Sabha,Shri Fatehgarh Sahib

Postal and Telecommunication Tarrif

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Postal and telecommunication tarrif
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1OrdinaryRs.20/- Same
2RegisteredRs.50/-Same

ATM & NEFT/RTGS Charges

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ATM & NEFT/RTGS/SMS 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.125/-Same Charges
2ATM Financial TxnATM Aquirer (Financial Txn) charges, after 5 transactions – Rs.17/- per transactionSame Charges
3ATM Non-Financial TxnATM Aquirer (Non Financial Txn) charges, after 5 transactions – Rs.6/- per transactionSame Charges
4ATM card issue charges1st ATM card is freeSame Charges
5SMS ChargesRs. 15/- per QuarterSame Charges
6Daily Withdrawl LimitLimits of Rs 25000/- with per Transaction Limit of Rs 10000/-
7Daily Purchase Limit at POS /E-Commerce 40000/-
RTGS/NEFT charges
1Neft ChargesUpto 10000 Rs 2.50/-10001 to Rs 1 Lakh Rs 5/-Amount 1 Lakh to 2 Lakh Rs 15/-No charges are to be applied for first 3 RTGS/NEFT transactions per month in OD to Staff GL
2RTGS ChargesAmount 200000/- to Rs 500000/- Rs 25/-Amount above 500000 Rs 50/-

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/No due Certificate
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Interest certificate/ Balance certificateFirst Original copy- FreeSubsequent copy- Rs.100/-per copyNo charges
2No dues Certificate for all segments CustomersRs 50/-No 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.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 charges before Six months Rs.150/- (Individual) and Rs 500/- for Firms and companiesOn account of death of customer no charges should be levied.No 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.)Current Upto Rs 1.00 Lac -FreeAbove Rs 1.00 lacs-0.75 Rs Per 1000/-Minimum 50/- Maxium 5000/-

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.Upto -Rs 20000 free of cost in a day.No charges
2Cash payment/Deposits under CBS other than parent branch CustomersAbove- Rs 20000 upto 50000-Rs 50/- should be charged by system only for cash transactions Max limit is 50000 and payment above Rs 20000 is to be mande done by cheque only. Further, there should not be any restriction of amount in transfers of payment/banking servies other that cash transactions for inter branch.No charges

Processing Fee/Service Charge

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Processing Fee/Service Charges
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1Personal Loan, MT, House Loan, Car Loan, Two Wheeler, Education, Dairy Loan, NFS, LAP and all other direct loanRs. 0.50 % of Sanction loan amount (Minimum 500/- Maximum Rs. 5000/- per case)Same
2RCC, CCT, LAP and other LimitsRs. 100/- P.A. per lacSame

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
3ST AgriRs. 1/- Per leaf
4Folio charges in CA/CC/CAODRs. 10/- Per leaf

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/-(Without cheque book) and Rs.1000/- withcheque book facility in his account the service charges shall be levied atthe following rates per month:Rs.50/- per month, will be debited every month.No minimum balance is required in Salary Account and Ex-staff members.
2Maintenanceof Minimum Balance Current AccountMin. balance Rs.5000/- is to be maintained.Rs.250/- 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.a. First/original monthly(for all segments) is free.b. Rs.100/- per Page(40 entries) for all segments for Duplicate statement.Free
2Duplicate Pass BookFirst Pass-Book free.Additional passbooks on completion of previous passbook is also free.Rs.100/- for issuing duplicate passbook on request.Free

SAFE Custody and Locker Rent Charges

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SAFE Custody and Locker Rent Charges
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1LOCKER RENTRs. 1000/- P.A. (FDR for Rs. 5000/- as Security)Concession of 50% charges in Locker rent. All other charges will remain same.
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+(any other expenditure incurred claimed by manfufacturer)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+(any other expenditure incurred claimed by manfufacturer)
Penalty for locker rent in defaultRs. 100/- P.Qtr.Penalty same as to be charged from other customer
* 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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STOP Payment Instructions
Sr No.Detail of ServicesApplicable Charges (For Customers)Applicable Charges {For Bank Staff (Including Retired)}
1STOP PAYMENT INSTRUCTIONAll types of accountsPer instrument Rs.100/-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/DDUpto 5000/- Rs 35/-Rs.5000/- to Rs.10000/- Rs.50/- Above Rs 10000/- Rs.50/- plus Rs.4/- per thousand or part thereof and minimum Rs 400/- Maximum Rs.10000/- Every Staff Member is entitled for two free draft/ payorder free of charges in a month upto amount of RS 100000/- in total only from his salary account.
2Issuance of Duplicate Banker’s cheques/DDsRs.200/-Same as from other customers
3Revalidation/Cancellation Of Pay order/DDsRs.200/-Same as from other customers

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)}
1One Time mandate authorisation Charges per mandateRs.50/- Same as from other customers
2Failed MandateRs.250/-Same as from other customers
3Cheque Return charges for ch drawn on usRs.150/- Same as from other customers

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 as from other customers
2Collection of Local ChequesFreeFree

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