UNITED BANK OF INDIA ANNEX-III

RATES AT A QUICK GLANCE

AS ON 01.06.2014
DEPOSIT ACCOUNTS.

Savings Bank A/C
Nature Rate of Interest Minimum Balance
Normal Senior
Citizen
Rural Semi Urban Urban
Savings Bank A/C 4% 4% With Cheque
Book :Rs.500/-
Without Cheque
Book : Rs.50/-
With Cheque
Book
:Rs.500/-
Without
cheque
book:Rs.100/
-
With
Cheque
Book
:Rs.500/-
Without
cheque
Book
:Rs.100/-
A.Domestic Minimum balance in SB a/c for Pensioners.:0
a. With cheque book facility 4% 4%
b. Without Cheque Book
facility.
4% 4%
c. No frill Account 4% 4%
B. Non-Resident
a. NRO 4% 4%
b.NRE 4% 4%

Term Deposit below Rs 5 Cr for Domestic/NRE/NRO Term Deposit
Rate of Interest w.e.f. 01.05.2014
Period of Deposit Other than senior citizen Rate for Senior Citizen
7 Days to 14 Days 4.00 4.00
15 Days to 29 Days 4.00 4.00
30 Days to 45 Days 4.00 4.00
46 Days to 60 Days 6.00 6.00
61 days to 90 Days 6.00 6.00
91 days to 180 Days 7.00 7.00
181 Days to 269 Days 7.50 7.50
270 days to less than 1
Year
7.50 7.50
1 year to less than 2 years 8.50 9.00
2 years to less than 3 years 8.50 9.00
3 years to less than 5 years 8.50 9.00
5 years and above 8.50 9.00

FCNR(B)
Rate of Interest w.e.f. 01.06.2014
1 yr & above
but < 2 yrs.
2 yrs &
above but <
3 yrs.
3 yrs &
above but
< 4 yrs
4 yrs &
above but
< 5 yrs.
For 5
years.(max)
USD 2.53 2.52 3.91 4.29 4.62
GBP 2.94 3.13 4.48 4.76 4.99
EUR 2.52 2.38 3.48 3.61 3.77
JPY 2.34 2.20 3.22 3.26 3.32
CHF 2.18 2.08 3.12 3.21 3.34
SGD 2.32 2.59 3.94 4.28 4.59

LOANS
Base Rate
:10.50%
w.e.f.
13.02.2014
Rate of Interest
With effect from 13.02.2014
Processing
Charge
Floating
Category
Floating rate is linked with BR and subject to change with revision of
BR from timer to time.BR 10.50 w.e.f.13.02.2014
0.5%
1.Housing
Loan
Upto Rs. 25.00lac Above Rs 25 LAC
and Upto Rs 75
lac
Above Rs 75 Lac &
upto Rs 150 Lac
Upto 5 years BR+0.25%i.e.10.50% BR+0.30%i.e.10.55% BR+0.55%i.e.11.55%
More than 5
years & upto
15 years
BR+0.25% i.e 10.50% BR+0.30%i.e.10.55% BR+0.55%i.e. 10.80%
More than 15
years upto
25 years
BR+0.50% i.e.10.50% BR+0.30%i.e.10.80% BR+0.55%i.e. 10.80%
Fixed
Category
No fixed rate category with effect from 16.02.2011


2.Personal
Loan
1%
a) Consumer
Durable Loan
BR+6%i.e.16.25%
for individual
BR+5.5%i.e.15.75%
For individual with
50% collaterisation

b.Senior
Citizen Loan
scheme
Do do
c.Personal
Loan Scheme
BR+6%i.e.16.25%
d.Personal
loan to
pensioner
BR+4.75%.i.e.15.75%
3.Veheicle
Loan
Repayment upto 3
years
Repayment over 3
years
0.5%
A.Two
wheeler loan
BR+1.80,i.e.12.05% BR+2.30,i.e.12.55%
b. Three
wheeler loan
BR+1.80,i.e.12.05% BR+2.30,i.e.12.55%
c. For new
car
BR+1.80,i.e.12.05% BR+2.30,i.e.12.55%
d.For Old
Cars
BR+3.30,i.e.13.55% BR+3.80,i.e.14.55%
%

4.Education
al Loan
Upto Rs.4.00 lac Above Rs.4.00 lac nil
Repayable in 5 to 7
years after
moratorium.
Repayable
in 5 to 7
years after
moratorium
For studies in India
BR+2%i.e.12.25% BR+2.75%i.e.
13.00%
For studies in abroad
For girl students:0.50% concession from card rate
CHARGES (updated upto 20.04.2012)
Fee based services
1 Locker Rent (inclusive of service charges)
Lock
er
type
Dimension of locker
units.
M
Rs
U
Rs
SU
Rs.
Rural
Rs.
Circular no.
O&M/SC/3/OM-
041/12-13 dated
20.04.2012. A 539 Cu. Inches 850/- 750/- 750/- 700/-
B 859 Cu. Inches 1050/- 900/- 900/- 850/-
C 1186 cu. inches 1150/- 975/- 975/- 925/-
D 1337 cu. Inches 1400/- 1250/- 1250/- 1200/-
E 1878 cu. Inches 1600/- 1450/- 1450/- 1400/-
F 2644 cu. Inches 2300/- 2000/- 2000/- 1950/-
G 2766 cu. Inches 2600/- 2300/- 2300/- 2250/-
H 3987 cu. Inches 3000/- 2800/- 2800/- 2750/-
H1 1828 cu. Inches 1600/- 1450/- 1450/- 1400/-
L 6297 cu. Inches 4900/- 4500/- 4500/- 4450/-

2. ATM/ Debit Card (inclusive of service tax)
Issuance of Primary Card NO CHARGE. Circular no. O&M/SC/3/OM-
041/12-13 dated 20.04.2012.


Issuance of ad-on-card (joint
account holder)
Rs.113/-
Annual Fee (first year) No Charge
Annual Fee (second year
onwards)
Rs.113/-
Cash withdrawal from UBI
ATMs ( No limit)
No Charge
Cash withdrawal from other
Bank ATMs ( 5 per month
FREE)
Rs.20/-
Duplicate Card Rs.170/-
Duplicate Pin Rs.57/-
No minimum balance limit/annual/duplicate card/Re-PIN charges for UBI employees.

3.Issuance of Demand Draft (inclusive of service Tax)
Circular no.
O&M/SC/3/OM-
041/12-13 dated
20.04.2012.

w.e.f 01.04.2012
Upto Rs.10,000/- Rs.41/-
Above Rs.10,000/-

Rs.4.50 per thousand or part thereof, Minimum
Rs.50/-. Maximum Rs.15000/-

For Pensioners/Senior Citizens/Students :10%
rebate on the service charges will be allowed.
4.. Issuance of Pay Order/Bankers Cheques, inclusive of service tax

Upto
Rs.100,00/-
Rs.42/- Circular no.
O&M/SC/3/OM-
041/12-13 dated
20.04.2012.

w.e.f 01.04.2012
Above
Rs.100,00/-

Rs.4.50 per thousand or part thereof. Minimum Rs.50/-
For Pensioners/Senior citizens :10% rebate will be
allowed.

5. Cancellation of Demand Drafts./Pay Orders (inclusive of service tax)

Cancellation
Charges of
Demand Draft
Rs.102/- per instrument. Circular no.
O&M/SC/3/OM-
041/12-13 dated
20.04.2012.

w.e.f 01.04.2012
Cancellation
Charges of
Pay Orders
Rs.102/- per instrument.

6. Issue of duplicate Pay Order (in lieu of lost instruments) inclusive of service tax.
Upto Rs.1,00,000/- Rs.77/- per instrument Circular no. O&M/SC/3/OM-
041/12-13 dated 20.04.2012.

w.e.f 01.04.2012
Above Rs.1,00,000/- Rs.153/- per instrument



7. Issue of duplicate Draft (in lieu of lost instruments) inclusive of service tax.
Upto Rs.1,00,000/- Rs.76/- per instrument Circular no. O&M/SC/3/OM-
041/12-13 dated 20.04.2012.

w.e.f 01.04.2012
Above Rs.1,00,000/- Rs.152/- per instrument



8. Revalidation of Demand Draft inclusive of service tax.
Upto Rs.1,00,000/- Rs.102/- Circular no. O&M/SC/3/OM-
041/12-13 dated 20.04.2012.

Above Rs.1,00,000/- Rs.152/-
w.e.f 01.04.2012


9. Revalidation of Pay Order inclusive of service tax.
Upto Rs.1,00,000/- Rs.102/- Circular no. O&M/SC/3/OM-
041/12-13 dated 20.04.2012.

w.e.f 01.04.2012
Above Rs.1,00,000/- Rs.153/-


10. Charges of Remittance through RTGS( inclusive of service tax.)
Rs.1.00 to below Rs.2.00 lac No RTGS facility Circular no. O&M/SC/3/OM-
041/12-13 dated 20.04.2012.

w.e.f 01.04.2012
Rs.2.00 lac to Rs.5.00 lac Rs.29/-
Above Rs.5.00 lac Rs.57/-

11.Charges of Remittance through NEFT ( inclusive of service tax.)
Upto Rs.1,00,000/- Nil
Circular No. O&M/SC/7/OM-
0192/12 - 13. dated 18 Jun
2012
Above Rs.1.00 lac to Rs.2.00 lac Rs.18/-
Above Rs.2.00 lac Rs.29/-

12. Issuance of Cheque Books.(Non-individuals) inclusive of service tax
Savings Bank (MICR) Rs.4.00 per Cheque leaf.
(One cheque book of 20 leaves free
in a calendar year)
Circular No.O&M/SC/3/OM-
041/12-13 dated 20.04.2010

Current Deposit/OD/CC
(MICR)
Rs.4.00 per cheque leaf.
No free cheque Book


13. Issuance of Cheque Books.(individuals) inclusive of service tax
Individuals Pensioners Senior Citizens Circular
No.O&M/SC/3/O
M-041/12-13
dated 20.04.2010

Savings Bank
(MICR/Non-MICR
Rs.3.00 per
cheque leaf(one
cheque book of
20 leaves free in
a calendar year
Rs.3.00 per
cheque leaf(one
cheque book of
20 leaves free in
a calendar year
Rs.3.00 per
cheque leaf(one
cheque book of
30 leaves free in
a calendar year
Current
Deposit/OD/CC
(MICR/Non-MICR
Rs.3.00 per
cheque leaf
Rs.2.50 per
cheque leaf
Rs.2.50 per
cheque leaf

14. Return of Inward Clearing Cheques /Non-individuals (inclusive of service tax)
Return of inward clearing
cheques
Rs.153/- per instruments Circular No.O&M/SC/3/OM-
041/12-13 dated 20.04.2010


15. Return of Inward Clearing Cheques/ Individuals (inclusive of service taxes)
Return of
inward
clearing
cheques
(individual)
: Rs.102/- per instrument.
For Pensioners, Senior Citizens, rebate of 10% in total is
allowed.
Circular
No.O&M/SC/3/OM-
041/12-13 dated
20.04.2010


16. Return of Outward Clearing Cheques (inclusive of service taxes)
Local cheques Rs.102/- per instrument +
other Bank charges for local
cheques.
Circular No.O&M/SC/3/OM-
041/12-13 dated 20.04.2010

Outstation Cheques Rs.153/- per instrument +
Other Bank charges for OCC.

17. Outstation Cheques.
Revised OCC charges in the line of RBI directive, effective from 01.04.2011.
Value Service Charge from all customers(all inclusive, maximum amt. chargeable to
customer)excluding service tax.
Upto and including
Rs.5000/-
Rs.25/- +service tax at 12.36%. At present Rs.28/-
Above Rs.5,000/- and upto Rs.50/-+service tax at 12.36%.At present Rs.56/-
and including Rs.10,000/-
Above Rs.10,000/- and upto
and including Rs.1,00,000/-
Rs.100/- + service tax at 12.36%.At present Rs./-112/-
Above Rs.1,00,000/- Rs.150/- + service tax at 12.36%.At present Rs.169/-

18. Issuance of No-dues/No objection Certificate(inclusive of service tax.
Priority Sector Non-Priority Sector
Individuals : Rs.56/- per certificate
Non-Individuals : Rs.112/- per certificate
SU/U/Metro Rural
Individual Rs.112/- Individual Rs.75/-
Non-
Individual
Rs.169/- Non-
Individual
Rs.112/-