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1. Savings Bank Accounts
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Minimum Balance and Non-Maintenance of Minimum Balance
charges :
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Service/Product/Account
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Particular
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Service charges
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BSBD,NSIGSE, PMJDY, Staff, Pensioners , Canara Small Savings Bank,
Senior Citizen, Non-Resident, Jeevan Dhara, SB Power Plus, Pay Roll, GenY, SB
Defense Canara Champ and CNA Account.
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Charges for Non- Maintenance of Minimum Balance
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As per the product features.
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Service/Product/Account
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Average Minimum Balance
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Savings Bank Account
[ With or Without Cheque Book ]
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Rural
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₹ 500/-
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Semi Urban
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₹ 1000/-
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Urban/Metro
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₹ 2000/-
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Charges of Non-Maintenance of Minimum Balance based on
Average Monthly Balance
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Metro/Urban Branches
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AMB maintained in the account against the stipulated ₹ 2000/-
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Charges per month for violation of AMB
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₹ 1999/- to ₹ 1500/-
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₹ 25/-+GST
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₹ 1499/- to ₹ 1000/-
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₹ 35/-+GST
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₹ 999/- and below.
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₹ 45/-+GST
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Charges of Non-Maintenance of Minimum Balance based on
Average Monthly Balance
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Semi Urban Branches
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AMB maintained in the account against the stipulated ₹
1000/-
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Charges per month for violation of AMB
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₹ 999/- to ₹ 700/-
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₹ 25/-+GST
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₹ 699/- to ₹ 400/-
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₹ 35/-+GST
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₹ 399/- and below
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₹ 45/-+GST
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Charges of Non-Maintenance of Minimum Balance based on
Average Monthly Balance
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Rural Branches
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AMB maintained in the account against the stipulated ₹
500/-
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Charges per month for
violation of AMB
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₹ 499/- to ₹ 350/-
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₹ 25/-+GST
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₹ 349/- to ₹ 200/-
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₹ 35/-+GST
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₹ 199/- and below
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₹ 45/-+GST
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2.
Current Account
Plus applicable GST on all slabs
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Required Minimum Balance based on Average Monthly Balance
(for all categories)
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Rural
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₹ 1000/-
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Semi Urban
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₹ 2000/-
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Urban
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₹ 5000/-
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Metro
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₹ 7500/-
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Charges of Non-Maintenance of Minimum Balance based on Average
Monthly Balance
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Applicable for all Branches
₹ 60/- + GST per day.
Maximum: ₹ 500/- + GST per calendar month.
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Mode of calculation of Minimum Balance
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Charges for Non-Maintenance of Minimum Balance on any day/any
number of days during the month.
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The above penal charges are not applicable for In-Operative CA/SB
Accounts. Branch Manager will have the discretion to waive/relax the charges for
Non-Maintenance of Minimum Balance, if Average Balance for the preceding 3 Calendar
months is 10 times the applicable Minimum Balance for the category.
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3. Safe Custody charges/
Safe Custody Articles
Plus applicable GST on all slabs
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a) Sealed Cover/ Packet
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Minimum ₹ 750/- per cover p.a., or its multiples.
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b) Scrips
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₹ 50/- per scrip with a minimum of ₹ 300/- p.a. or part thereof
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c) Sealed Box
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10x10x10cc
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Minimum ₹ 750/- p.a. or its multiples
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20x20x20cc
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Minimum ₹ 1500/- p.a. or its multiples
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30x30x30cc
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Minimum ₹ 2000/- p.a. or its multiples
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Note : The above charges are only indicative.
Depending upon the size of the Box/ Cover/ Packet, Branch can charge higher charges
in consultation with Circle Office.
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4. Standing Instruction Charges (SB/CA/OD/OCC)
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a) Registration of SI
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₹ 100/-+GST per Standing Instruction registration.
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b) Transfer of funds as per SI
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Within same Branch
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₹ 35/-+GST for every debit.
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Other Branches / Outside Agencies
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₹ 40/-+GST for every debit + actual remittance charges + OPE.
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Exemptions:
1. Guardian Account to Minor Account.
2. Between Accounts of Parents and Children.
3. Between Accounts of Spouses.
4. From Co-Obligant Account to Borrower Account.
5. Standing Instruction to Loan / RD/ Deposit Accounts of
self.
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c) Failed/ Non-Execution of SI due to insufficient funds
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₹ 100 + GST per instance
(above charges are not applicable for delay in EMI/ Failed
installment of Loan/Staff/ Ex-Staff )
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5. Ledger Folio Charges- CA/OD/OCC [ on Quarterly
Basis ]
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40 entries or part thereof shall be treated as one page. ₹ 125 +
GST per ledger page shall be collected on quarterly basis (Jun/Sep/Dec/Mar) in case
of CA/OD/OCC/PL/KCC/KCCS (i.e. all credit limits other than single transaction
limits and Bills/Cheque limits).
Number of free folios per Quarter in case of operative
CA/OD/OCC/PL/KCC/KCCS Accounts available are as under:
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Amount
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Number of Folios
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Upto ₹ 25000/-
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No free folios
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₹ 25001/- to ₹ 50000/-
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02 free folios
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₹ 50001/- to ₹ 100000/-
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04 free folios
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₹ 100001/- to ₹ 200000/-
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07 free folios
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₹ 200001/- to ₹ 500000/-
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10 free folios
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Above ₹ 500000/-
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No folio charges
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Note: For SB accounts
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No folio charges
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After inception of BHIM UPI, the transactions of small tickets are
increasing exponentially and hence the charges levied on customer are high.
Keeping in view of the above and to encourage the digital
transaction, the Competent Authority has permitted to exclude BHIM-UPI based
transactions for calculation of Ledger Folio charges vide HO Cir 229/2021 dated
09/04/2021.
Kindly note the above mentioned charges remain same,
whereas BHIM-UPI based transactions will be excluded while levying ledger folio
charges.
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6. Issue of duplicate Deposit Receipt
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₹ 100/-+GST per instance/receipt
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7. Issue of Call Deposit Receipt
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₹ 500/-+GST per instance.
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8. Delay clearance of Parcels / Post Parcels received
under ISC / IBC.
(Applicable both for Individuals and other Customers )
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For parcels not cleared on presentation, a charge of ₹ 5/- per day
should be levied from the due date of payment till clearance / payment. The minimum
charge per parcel is ₹ 20/-+GST
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9.Instruments Directly received by Post in unsolicited
sent by Organizations or Institutions
(To be collected from beneficiary if no arrangement with
the sender Company)
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₹ 20/-+GST per credit or instrument
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10. Deletion of name of deceased customer, merger of
Companies, change in the name of Companies etc (including reconstitution of
accounts)
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Individuals
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No Charges
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Non- Individuals
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₹ 150/-+GST per occasion
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Exemptions
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Staff / Ex-Staff / Death of Customer
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11. Change in authorized signatories of Companies
(CA/OD/OCC) including clubs, Co-Operative Societies
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₹ 250/-+GST per instance for all categories
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12. Loss of Token
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Per token - Rural – ₹ 30/-+GST, Other Branches ₹ 60/-+GST
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13. Holding Bills for collection for every quarter beyond
3 months after due date
(At the request of Drawer/Customer and subject to other
applicable conditions)
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Additional 25% of normal collection charges.
Minimum ₹ 100/-+GST per quarter.
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14. Change of original instructions in respect of Outward/
Inward Bills for collection such as extension of time, waiver of C form etc.
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₹ 100/-+GST per request plus Out of Pocket expenses.
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15. Loss of Locker key
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₹ 1000/-+GST in addition to actual cost of break open and
replacement of lock and keys.
For staff /Ex staff- Only break open charges
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16 . Locker Operations
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a) Locker Registration charges (One
Time)
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₹ 400/-+GST
Exemption: Staff/ Ex-staff
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b) Locker Rent
[Financial Year]
Plus applicable GST on all slabs
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Size
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Metro
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Urban/SU
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Rural
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Small
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₹ 2000/-
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₹ 1500/-
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₹ 1000/-
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Medium
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₹ 4000/-
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₹ 3000/-
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₹ 2000/-
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Large
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₹ 7000/-
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₹ 6000/-
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₹ 4000/-
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Very Large
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₹ 10000/-
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₹ 8000/-
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₹ 6000/-
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* Staff / Ex- staff – 25 % concession on locker rent
Synd Supreme/Canara Power Plus account holders – 25 % concession
on Small/Medium sized locker only
** The above rates are minimum. Circles can charge higher based on
locality / locker demand etc.
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c) Locker Security Deposit
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Size
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Metro
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Urban/SU
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Rural
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Small
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₹ 12000/-
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₹ 10000/-
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₹ 8000/-
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Medium
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₹ 15000/-
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₹ 14000/-
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₹ 10000/-
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Large
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₹ 20000/-
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₹ 20000/-
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₹ 15000/-
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Very Large
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₹ 25000/-
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₹ 25000/-
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₹ 20000/-
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d) Insta Locker
[Renting for shorter period of 1 day to 60 days]
Plus applicable GST on all slabs
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Locker Deposit – ₹ 5000/- for All Branches
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Size
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Days
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Metro
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Urban/SU
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Rural
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Small
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01-03
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₹ 500/-
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₹ 500/-
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₹ 500/-
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04-15
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₹ 700/-
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₹ 600/-
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₹ 500/-
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16-30
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₹ 1000/-
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₹ 700/-
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₹ 600/-
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31-60
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₹ 1200/-
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₹ 800/-
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₹ 700/-
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Medium
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01-03
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₹ 600/-
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₹ 600/-
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₹ 600/-
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04-15
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₹ 1000/-
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₹ 700/-
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₹ 600/-
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16-30
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₹ 1500/-
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₹ 1000/-
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₹ 900/-
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31-60
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₹ 1700/-
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₹ 1200/-
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₹ 1100/-
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e) Locker operation
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Up to 12 operations per annum: No charges
Beyond 12 operations: ₹ 100/-+GST per operation.
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f) Penal Charges on delayed remittance
of Locker rentals
Plus applicable GST on all slabs
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Period of Delay
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Penal charges to be collected in addition to actual
rentals
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Up to and inclusive of one Quarter
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10% of applicable annual rental
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Up to and inclusive of two Quarters
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25% of applicable annual rental
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Up to and inclusive of three Quarters
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40% of applicable annual rental
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Up to and inclusive of four Quarters
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50% of applicable annual rental
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One year and above
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100% of applicable annual rental
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Note : Fraction of a quarter is to be treated as
a full quarter of delay. First quarter delay will be reckoned from 16th April
onwards and thereafter 1st of every calendar quarter (1st July, 1st Oct and 1st Jan
respectively for 2nd, 3rd and 4th Quarter and 1st April for one year and above)
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17. Excess Number of Withdrawals/Additional Debit entries
in SB Account
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50 debit entries free per half year excluding Alternate Channel
debits.
Beyond 50 Debit Entries (excluding Alternate Channels) per
half-year either by cheques or otherwise: ₹ 10/-+GST per Debit
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18. Change of Nomination Facility
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Noting nomination for the first time
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Free
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Change of Nomination
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₹ 100/-+GST per instance
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19. Addition / Deletion of names
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₹ 100/-+GST per case/instance
No charges for online
Not applicable for deletion of name on account of death of
customer in Joint Account.
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20. Charges for recording reconstitution of Account
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₹ 150/-+GST per case / instance in case of Non-Individuals
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21. Copy of original of Cheque/ DD(paid by Bank)
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₹ 50/-+GST per Cheque/Instrument with Minimum of ₹ 100/-+GST
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22. Transfer of CASA accounts to any of our Branches
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Flat ₹ 50/- + GST plus Out of Pocket Expenses (OPE) for
both SB & Current Accounts
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23. Facilities/Concessions in Service Charges for
certain category of Customers
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a) Collection of Instruments for Accounts of specially
abled person on
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For instruments up to ₹ 10000/- No charges
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b) Collection charges for scholarships amount payable to SC/ ST
Students - Waived
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24. Registering Power of Attorney/
Operations by Power of Attorney/ Mandate
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Savings Bank Account: ₹ 500/-+GST p.a.
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CA/ OD/ OCC: ₹ 700/-+GST p.a.
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25. Noting of Loss of Cheque Book/leaf
- All Accounts
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₹ 5/-+GST per Leaf with a Minimum of ₹ 50/-+GST,
Maximum of ₹ 1000/-+GST
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26.Transfer of entire balance in account to other Bank at
the time of A/c Closure & Transfer of Funds
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Actual Remittance charges+ Out of Pocket Expenses+
GST
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27. Current Account maintained by other Bank with
us: (Remittance by Banker’s Cheques/ other Instrument)
Plus applicable GST
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Fund transfer among member Banks for meeting advers clearing
positions
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No Charges.
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Funds transfer for reasons other than clearing Instruments
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0.06% of actual remittance.
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Discounting DD/ Outstation Cheques for meeting clearing advers or
otherwise
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Actual discounting charges+ Interest+ OPE as applicable to
customer .
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Discounting TTs for raising of funds.
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As advised by Integrated Treasury Wing.
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Remittance by Cash for meeting advers clearing position or
otherwise
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120% additional to actual remittance charges.
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28.Phone Banking Service Charges for sending Statement /
Certificate as per request under physical delivery
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Amount:
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Charges per Instrument
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Up to including ₹ 5000/-
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₹ 25/-+GST for SB
₹ 50/-+GST for
other
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above ₹ 5000/- to ₹ 10000/-
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₹ 50/-+GST
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₹ 10001 to ₹ 1 Lakh
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₹ 100/-+GST
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Above ₹ 1 Lakh
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₹ 150/-+GST
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1800 1030
90760 30001