{"id":6121,"date":"2026-05-27T06:21:02","date_gmt":"2026-05-27T06:21:02","guid":{"rendered":"https:\/\/youth.bank.in\/?page_id=6121"},"modified":"2026-07-01T11:25:49","modified_gmt":"2026-07-01T11:25:49","slug":"services-3","status":"publish","type":"page","link":"https:\/\/youth.bank.in\/index.php\/services-3\/","title":{"rendered":"Services"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6121\" class=\"elementor elementor-6121\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ead8025 e-flex e-con-boxed e-con e-parent\" data-id=\"ead8025\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84305ab elementor-widget elementor-widget-html\" data-id=\"84305ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n  .bk-root *, \n  .bk-root *::before, \n  .bk-root *::after {\n    box-sizing: border-box;\n    margin: 0;\n    padding: 0;\n    font-family: \"Mulish\", sans-serif !important;\n  }\n  .bk-root {\n    --gold: #B8860B;\n    --navy: #0B1F3A;\n    --cream: #FAFAF7;\n    background: var(--cream);\n    padding: 28px 16px;\n  }\n  .bk-container {\n    max-width: 1100px;\n    margin: auto;\n    text-align: center;\n  }\n  .bk-title {\n    font-size: 1.7rem;\n    font-weight: 800;\n    color: var(--navy);\n    margin-bottom: 8px;\n    position: relative;\n    display: inline-block;\n  }\n  .bk-subtitle {\n    margin-bottom: 24px;\n    display: block;\n  }\n  .bk-title::after {\n    content: \"\";\n    position: absolute;\n    left: 50%;\n    bottom: -6px;\n    transform: translateX(-50%);\n    width: 90px;\n    height: 3px;\n    background: linear-gradient(90deg, var(--gold), #D4A017);\n    border-radius: 10px;\n  }\n  .bk-table-wrap {\n    overflow-x: auto;\n    border-radius: 12px;\n    border: 1.5px solid #e0d8c0;\n    background: #fff;\n    margin-top: 18px;\n    text-align: left;\n  }\n  table.bk-table {\n    width: 100%;\n    border-collapse: collapse;\n    font-size: 0.93rem;\n  }\n  table.bk-table thead tr {\n    background: var(--navy);\n    color: #fff;\n  }\n  table.bk-table thead th {\n    padding: 13px 16px;\n    font-weight: 700;\n    font-size: 0.97rem;\n    letter-spacing: 0.03em;\n    border: none;\n  }\n  table.bk-table thead th:first-child { width: 52px; text-align: center; }\n  table.bk-table thead th:nth-child(2) { width: 30%; }\n  table.bk-table tbody tr:nth-child(even) { background: #f7f4ec; }\n  table.bk-table tbody tr:nth-child(odd) { background: #fff; }\n  table.bk-table tbody tr:hover { background: #fef8e6; transition: background 0.15s; }\n  table.bk-table tbody td {\n    padding: 12px 16px;\n    vertical-align: top;\n    border-bottom: 0.5px solid #e8e2cc;\n    color: #1a1a2e;\n    line-height: 1.6;\n  }\n  table.bk-table tbody td:first-child {\n    text-align: center;\n    font-weight: 800;\n    color: var(--gold);\n    font-size: 1rem;\n    min-width: 40px;\n  }\n  table.bk-table tbody td:nth-child(2) {\n    font-weight: 600;\n    color: var(--navy);\n  }\n  table.bk-table tbody td:nth-child(3) {\n    color: #2c2c2c;\n  }\n  table.bk-table tbody tr:last-child td { border-bottom: none; }\n  .gst-tag {\n    display: inline-block;\n    background: #fef3c7;\n    color: #92400e;\n    font-size: 0.74rem;\n    font-weight: 700;\n    border-radius: 4px;\n    padding: 1px 6px;\n    margin-left: 4px;\n    vertical-align: middle;\n  }\n  .no-gst-tag {\n    display: inline-block;\n    background: #dcfce7;\n    color: #166534;\n    font-size: 0.74rem;\n    font-weight: 700;\n    border-radius: 4px;\n    padding: 1px 6px;\n    margin-left: 4px;\n    vertical-align: middle;\n  }\n  .sub-label {\n    display: inline-block;\n    font-weight: 700;\n    color: var(--gold);\n    margin-right: 4px;\n  }\n  .sub-row { margin-bottom: 6px; }\n  .sub-row:last-child { margin-bottom: 0; }\n  .inner-table {\n    width: 100%;\n    border-collapse: collapse;\n    margin-bottom: 8px;\n  }\n  .inner-table thead tr { background: #e8e2cc; }\n  .inner-table thead th {\n    padding: 6px 10px;\n    text-align: left;\n    font-size: 0.85rem;\n    color: var(--navy);\n    font-weight: 700;\n  }\n  .inner-table thead th:not(:first-child) { text-align: center; }\n  .inner-table tbody td { padding: 6px 10px; font-size: 0.88rem; }\n  .inner-table tbody td:not(:first-child) { text-align: center; }\n  .inner-table tbody tr:nth-child(even) { background: #f7f4ec; }\n  @media (max-width: 640px) {\n    .bk-title { font-size: 1.2rem; }\n    table.bk-table { font-size: 0.82rem; }\n    table.bk-table thead th, table.bk-table tbody td { padding: 9px 10px; }\n  }\n<\/style>\n\n<div class=\"bk-root\">\n  <div class=\"bk-container\">\n    <div style=\"margin-bottom:24px;\">\n      <span class=\"bk-title\">Bank's Different Services<\/span><br><br>\n      <span class=\"bk-subtitle\">Service Charges &amp; Revised Rates<\/span>\n    <\/div>\n    <div class=\"bk-table-wrap\">\n      <table class=\"bk-table\">\n        <thead>\n          <tr>\n            <th>Sr.<\/th>\n            <th>Details<\/th>\n            <th>Revised Charges<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td>1<\/td>\n            <td>Opening of A\/cs of Savings\/Current<\/td>\n            <td>\n              Savings A\/c: Min. balance \u20b9100\/- (without cheque-book), \u20b9500\/- (with cheque-book).<br>\n              Current A\/c: Min. balance \u20b91,000\/-.<br>\n              Borrowers needing a cheque book must maintain min. \u20b91,000\/- in current\/savings A\/c.<br>\n              Cheque Books charged @ \u20b910\/- per leaf. Cheque-books should not be misused.<br>\n              <span class=\"gst-tag\">+ 18% GST<\/span>\n            <\/td>\n          <\/tr>\n          <tr>\n            <td>2<\/td>\n            <td>Saving\/Current accounts closure<\/td>\n            <td>\n              Transfer within our bank: \u20b910\/-<br>\n              Other cases: \u20b950\/- <span class=\"gst-tag\">+ 18% GST<\/span>\n            <\/td>\n          <\/tr>\n          <tr>\n            <td>3<\/td>\n            <td>Balance less than minimum required in Saving\/Current accounts<\/td>\n            <td>\n              Savings A\/c: \u20b910\/- per instance<br>\n              Current A\/c: \u20b950\/- per instance<br>\n              Charges debited to account. One time failure counted from day of less balance till recoupment. <span class=\"gst-tag\">+ 18% GST<\/span>\n            <\/td>\n          <\/tr>\n          <tr>\n            <td>4<\/td>\n            <td>Cheque Dishonour Charges<\/td>\n            <td>\n              <div class=\"sub-row\"><span class=\"sub-label\">a)<\/span> Local cheques \u2013 insufficient balance or re-presentation: \u20b9100\/- (individual), \u20b9200\/- (finance companies) <span class=\"gst-tag\">+ 18% GST<\/span><\/div>\n              <div class=\"sub-row\"><span class=\"sub-label\">b)<\/span> Local outward clearing cheques dishonoured: \u20b950\/- <span class=\"gst-tag\">+ 18% GST<\/span><\/div>\n              <div class=\"sub-row\"><span class=\"sub-label\">c)<\/span> Out-station cheques dishonoured: \u20b950\/- + \u20b92\/- per thousand commission + postage. For dishonoured cheques, commission asked by VPL. <span class=\"gst-tag\">+ 18% GST<\/span><\/div>\n            <\/td>\n          <\/tr>\n          <tr>\n            <td>5<\/td>\n            <td>Stop payment of cheques<\/td>\n            <td>\u20b950\/- per cheque <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>6<\/td>\n            <td>Out-station cheques deposited for collection<\/td>\n            <td>\n              After receipt of proceeds, bank charges fee + postage + commission:<br><br>\n              Up to \u20b91,000\/- \u2192 \u20b930\/- + Postage<br>\n              \u20b91,001 to \u20b95,000\/- \u2192 \u20b950\/- + Postage<br>\n              \u20b95,001 to \u20b910,000\/- \u2192 \u20b9100\/- + Postage<br>\n              \u20b910,000\/- and above \u2192 \u20b92.50 per thousand + Postage + Paying Bank's commission &amp; postage\n              <span class=\"gst-tag\">+ 18% GST<\/span>\n            <\/td>\n          <\/tr>\n          <tr>\n            <td>7<\/td>\n            <td>Demand Draft commission (local and outstation)<\/td>\n            <td>\n              For HDFC, Axis, ICICI, IDBI Bank DDs:<br>\n              Up to \u20b95,000\/- \u2192 \u20b910\/-<br>\n              Above \u20b95,000\/- \u2192 \u20b91\/- per thousand<br>\n              For Nationalized Banks DDs: full commission charged by bank recovered.<br><br>\n              Non-account holders (cash): Up to \u20b95,000\/- \u2192 \u20b915\/-; above \u20b95,000\/- \u2192 \u20b92\/- per thousand.<br>\n              Cash DDs\/Pay Orders\/RTGS\/NEFT allowed up to \u20b950,000\/- (per day, total). Amount rounded to nearest Rupee. <span class=\"gst-tag\">+ 18% GST<\/span>\n            <\/td>\n          <\/tr>\n          <tr>\n            <td>8<\/td>\n            <td>Cheque Book charges (Savings, Current and Cash Credit accounts)<\/td>\n            <td>\u20b92.50 per leaf debited to account. No charge at closure but blank leaves must be returned to bank. <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>9<\/td>\n            <td>Loan Application Form<\/td>\n            <td>\u20b950\/- per form <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>10<\/td>\n            <td>Membership Application Form and charges for transfer of shares<\/td>\n            <td>\n              \u20b91,030\/- (\u20b91,000\/- shares + \u20b925\/- + \u20b95\/- GST) for Printing Stationery<br>\n              Entrance fee: \u20b959\/- (\u20b950\/- + \u20b99\/- GST)<br>\n              Transfer of shares: \u20b959\/- (\u20b950\/- + \u20b99\/- GST) per share certificate\n            <\/td>\n          <\/tr>\n          <tr>\n            <td>11<\/td>\n            <td>Lockers Rent and deposit<\/td>\n            <td>\n              <table class=\"inner-table\">\n                <thead>\n                  <tr>\n                    <th>Type<\/th>\n                    <th>Small<\/th>\n                    <th>Medium<\/th>\n                    <th>Large<\/th>\n                  <\/tr>\n                <\/thead>\n                <tbody>\n                  <tr>\n                    <td style=\"font-weight:600;\">Rent per annum<\/td>\n                    <td>\u20b9500\/-<\/td>\n                    <td>\u20b91,000\/-<\/td>\n                    <td>\u20b91,500\/-<\/td>\n                  <\/tr>\n                  <tr>\n                    <td style=\"font-weight:600;\">Fixed Deposit<\/td>\n                    <td>\u20b94,000\/-<\/td>\n                    <td>\u20b98,000\/-<\/td>\n                    <td>\u20b912,000\/-<\/td>\n                  <\/tr>\n                <\/tbody>\n              <\/table>\n              Interest on Fixed Deposits paid as per usual bank terms. <span class=\"gst-tag\">+ 18% GST<\/span>\n            <\/td>\n          <\/tr>\n          <tr>\n            <td>12<\/td>\n            <td>Pass book and statement of A\/cs charges<\/td>\n            <td>\n              Free of charge. If required twice for same period: \u20b95\/- per page (second time).<br>\n              Duplicate pass book (on written request): Savings \u20b920\/-, Current \u20b930\/- <span class=\"gst-tag\">+ 18% GST<\/span>\n            <\/td>\n          <\/tr>\n          <tr>\n            <td>13<\/td>\n            <td>Non-operating charges for Pigmy\/Recurring\/Savings and Current A\/cs<\/td>\n            <td>\u20b950\/- per annum (Pigmy\/Savings\/Recurring); \u20b9100\/- (Current). If balance less than charges, account will be closed by debiting balance. <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>14<\/td>\n            <td>Operating Charges for Current Accounts<\/td>\n            <td>\u20b950\/- yearly maintenance <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>15<\/td>\n            <td>Nominal membership fee ('B' Class)<\/td>\n            <td>\u20b950\/- only <span class=\"no-gst-tag\">No GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>16<\/td>\n            <td>Solvency Certificate Charges<\/td>\n            <td>\u20b925\/- or \u20b91\/- per thousand, not exceeding \u20b910,000\/- commission <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>17<\/td>\n            <td>Bank Guarantee Charges<\/td>\n            <td>3% of bank guarantee amount per annum (deposited in advance) <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>18<\/td>\n            <td>Notice Fee<\/td>\n            <td>Simple notice: \u20b930\/-; Regd. A\/D notice: \u20b9100\/- minimum (debited to account) <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>19<\/td>\n            <td>No Dues Certificate<\/td>\n            <td>'A' Class members: No charge. Others: \u20b915\/- <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>20<\/td>\n            <td>Demand Draft revalidation (cancellation or date enhancement)<\/td>\n            <td>\u20b910\/- <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>21<\/td>\n            <td>Stop payment of Demand Draft or duplicate DD<\/td>\n            <td>\u20b925\/- + actual charges of other concerned bank <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>22<\/td>\n            <td>Service Charges for Cash Credit\/Term Loan and Overdrafts<\/td>\n            <td>1% of loan amount at disbursement; 0.5% at renewal + \u20b9200\/- for printing and stationery (debited to account) <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>23<\/td>\n            <td>Change in nomination of a Member<\/td>\n            <td>\u20b910\/- <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>24<\/td>\n            <td>Redemption or dishonoured Hundis\/Bills<\/td>\n            <td>\n              <div class=\"sub-row\"><span class=\"sub-label\">Redemption:<\/span> \u20b925\/- (printing &amp; stationery) + \u20b950\/- (service charge) + commission + postage as per DD.<\/div>\n              <div class=\"sub-row\"><span class=\"sub-label\">Dishonoured:<\/span> \u20b925\/- (printing &amp; stationery) + \u20b925\/- (service charge) + postage + commission @ \u20b92\/- per thousand (debited to customer's A\/c)<\/div>\n              <span class=\"gst-tag\">+ 18% GST<\/span>\n            <\/td>\n          <\/tr>\n          <tr>\n            <td>25<\/td>\n            <td>Special DD Commission (DD at Concessional Rate)<\/td>\n            <td>For customers needing DDs frequently at large amounts: contact Head Office to fix concessional rate. <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>26<\/td>\n            <td>DDs issued against acceptance of cash<\/td>\n            <td>DDs issued against cash up to \u20b950,000\/- only (for account holders well-known to the bank). Otherwise not issued; responsibility rests with Branch Manager. PAN Card and KYC documents required. DD\/Pay Order\/RTGS above \u20b950,000\/- by transfer only.<\/td>\n          <\/tr>\n          <tr>\n            <td>27<\/td>\n            <td>Loans against Deposits \/ Gold Ornaments<\/td>\n            <td>\n              <div class=\"sub-row\"><span class=\"sub-label\">a)<\/span> Loans against Deposits (incl. Pigmy): \u20b915\/- (printing &amp; stationery). No 'B' class membership required. <span class=\"gst-tag\">+ 18% GST<\/span><\/div>\n              <div class=\"sub-row\"><span class=\"sub-label\">b)<\/span> Loans against Gold Ornaments: \u20b915\/- (printing &amp; stationery) <span class=\"gst-tag\">+ 18% GST<\/span><\/div>\n            <\/td>\n          <\/tr>\n          <tr>\n            <td>28<\/td>\n            <td>Charges for ECS<\/td>\n            <td>\u20b9100\/- debited for dishonoured ECS\/ACH. If balance becomes '0' after debiting, account closed and informed accordingly in Return Memo. <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>29<\/td>\n            <td>RTGS Charges<\/td>\n            <td>\u20b950\/- per transaction <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>30<\/td>\n            <td>Certificate for cancellation of lien\/charge on securities<\/td>\n            <td>\u20b925\/- <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>31<\/td>\n            <td>New Debit Card<\/td>\n            <td>\u20b9100\/- <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>32<\/td>\n            <td>New Password for RuPay Debit Card (Repin)<\/td>\n            <td>\u20b9100\/- <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>33<\/td>\n            <td>Annual Maintenance Charges for RuPay Debit Card<\/td>\n            <td>\u20b9100\/- <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>34<\/td>\n            <td>ECS Mandate Form updation<\/td>\n            <td>\u20b910\/- <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>35<\/td>\n            <td>Credit Rating from Agencies<\/td>\n            <td>\u20b9200\/- per certificate <span class=\"gst-tag\">+ 18% GST<\/span><\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n  <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Bank&#8217;s Different Services Service Charges &amp; Revised Rates Sr. Details Revised Charges 1 Opening of A\/cs of Savings\/Current Savings A\/c: Min. balance \u20b9100\/- (without cheque-book), \u20b9500\/- (with cheque-book). Current A\/c: Min. balance \u20b91,000\/-. Borrowers needing a cheque book must maintain min. \u20b91,000\/- in current\/savings A\/c. Cheque Books charged @ \u20b910\/- per leaf. Cheque-books should not&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-6121","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/pages\/6121","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/comments?post=6121"}],"version-history":[{"count":7,"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/pages\/6121\/revisions"}],"predecessor-version":[{"id":6853,"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/pages\/6121\/revisions\/6853"}],"wp:attachment":[{"href":"https:\/\/youth.bank.in\/index.php\/wp-json\/wp\/v2\/media?parent=6121"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}