1. a) Demand Drafts/TT Issue - OUTSTATION

Amount ranging 
From - To

OTHER THAN INDIVIDUAL

INDIVIDUALS

OTHER THAN RURAL

RURAL

Upto and inclusive of Rs. 1000/-

Rs. 40/-

Rs. 30/-

Rs. 25/-

Above Rs.1000/- upto Rs. 10000/-

Rs. 50/-

Rs. 40/-

Rs. 35/-

Above Rs. 10000/-

Rs. 4.00/- per Rs. 1000/- or part thereof minimum of Rs. 50/- Maximum Rs. 12000/- per DD

Rs. 3.50/- per Rs. 1000/- or part thereof minimum of Rs. 40/- Maximum Rs. 12000/- per DD

Rs. 3.50/- per Rs. 1000/- or part thereof minimum of Rs. 40/- Maximum Rs. 10000/- per DD

1. b) LOCAL DEMAND DRAFT / PAY ORDER / BANKER’S CHEQUE ISSUE :

Amount ranging
From - To

OTHER THAN INDIVIDUAL

INDIVIDUALS

OTHER THAN RURAL

RURAL

Upto and inclusive of Rs. 1000/-

Rs. 40/-

Rs. 30/-

Rs. 25/-

Above Rs.1000/- upto Rs. 10000/-

Rs. 50/-

Rs. 40/-

Rs. 35/-

Above Rs.. 10000/-

Rs. 4.00/- per Rs. 1000/- or part thereof with minimum of Rs. 50/- Maximum Rs. 12000/- per DD

Rs. 3.50/- per Rs. 1000/- or part thereof with minimum of Rs. 40/- Maximum Rs. 12000/- per DD

Re. 3.50/- per Rs. 1000/- or part thereof with minimum of Rs. 40/- Maximum Rs. 10,000/- per DD

1. c) Issue of DD / TT / PO / BC against tender of cash (both for local / Outstation)

Issue of DD / TT / PO / BC against tender of Cash

Applicable for all branches Rural/ Other than rural & Individuals

Up to Rs.1000/- - No additional charges.
Above Rs1000/- - Additional charges at 50% Extra on applicable charges
Note: However Branch has the discretion to charge higher subject to maximum of 200% of applicable normal charges.

Retirement of bills against tender of cash

Additional charges of Rs.300/- flat per bill shall be collected in addition to bills collections charges.

1 . d) DEMAND DRAFT / PAY ORDER / BANKER’S CHEQUE CANCELLATION/REVALIDATION/DUPLICATE ISSUANCE.

Cancelation

up to 10lakhs- Rs.100/- per instrument
Above 10lakhs: Rs.1000/- per instrument

Revalidation

up to 10lakhs- Rs.100/- per instrument
Above 10lakhs: Rs.1000/- per instrument

Issuance of duplicate DDs.

up to 5lakhs- Rs.100/- per instrument
Above 5lakhs: Rs.1000/- per instrument

2. a) Outward/ Inward collection of Cheques/ instruments.

Collection of Outstation cheques / instruments such as DDs/ Dividend / Interest Warrants, Refund Orders, Income Tax Refund orders etc. (other than bills).

Amount:

Charges Per Instrument are as mentioned below:

Up to Rs. 5,000/-

Rs. 25/- per instrument for SB Account and Rs.50/- per instrument for other accounts

Above Rs.50000 &Upto Rs. 10,000/-

Rs 50/- per instrument

Above Rs. 10,000/- to Rs. 1,00,000/-

Rs. 100/- per instrument

Above Rs. 1,00,000/- to Rs. 10,00,000/-

Rs. 200/- per instrument

Above Rs. 10,00,000/-

Rs. 250/- per instrument

2 b) Collection of Dividend / Interest Warrants / Refund Orders for Individuals – concessions

Individual Rural

If value of instrument is up to Rs.500/-, No Charges, Only OPE# + Postage
For instruments above Rs.500/- -Normal collection charges

Individual non-rural

If value of instrument is up to Rs.500/-, No charges, only OPE# + Postage
For instruments above Rs.500/- Normal collection charges

Non-individual

Normal Charges - No concessions

3. Electronic Payment Services

Amount of RTGS Transaction

Service Charges
(Exclusive of GST)

Rs.2 lakhs & up to Rs.5 lakhs

Rs. 24.50

Above Rs.5 lakhs

Rs. 49.50

Amount of NEFT Transaction

Service Charges
(Exclusive of GST)

Up to Rs.10,000/-

 Rs. 2.25

Rs.10,001 and up to Rs.1 lakh

Rs. 4.75

Above Rs.1 lakh and up to Rs.2 lakhs

Rs.14.75

Above Rs.2 lakhs

Rs.24.75

DAYS

Customer Transactions

All Working Days

Online Channel - 24X7 basis, without holidays

Branch Channel - On working days within the branch business hours

DAYS

TIMING

All Working Days

Online Channel - 24X7 basis , without Holidays

Branch Channel - On working days within the branch business hours

RTGS/ NEFT/ SFMS - Inward

Nil

National Automated Clearing House(NACH) Mandate Charges

One Time Mandate Registration Charges Rs.150/-

ECS – Credit/Debit

Nil

ECS (DEBIT RETURN)

SB/CA/OD/OCC

Upto Rs.1 crore: Rs.500 per instrument plus GST

Above Rs.1 Crore: Rs.5000 per instrument Plus GST

Funds Transfer through Internet and Mobile Banking Services (IMPS transfer)

IMPS Funds Transfer through Mobile Banking and Internet Banking Services : 
Up to Rs. 25,000/- : NIL
Beyond Rs. 25,000/- to Rs. 1 Lakh: Rs. 8/-
Beyond Rs. 1Lakh to up to Rs.5 Lakh : Rs. 15/-

4. Cheques / Instrument return charges – LOCAL & OUTSTATION

PARTI CULARS

Outward Returns

Inward Returns

Return of Outward Instruments
( Outward Local  Cheques / instruments including Local Clearing Cheques / LOSCs etc., lodged by customers 
for collection and returned to us by other Banks / Branches ) – collected as handling charges.
Return of Outward Instruments (Outward Outstation Cheques / Instruments including OSCs lodged by customers for collection and returned to us by other Banks / Branches

Return of Inward Instruments (Inward Local Cheques / instruments received for payment but returned to other Banks / Branches) Only in case of the cheque / instruments being returned for want of funds/similar reasons (to be debited from our drawer customers a/c)

Return of Inward Instruments (Inward Outstation Cheques / Instruments received for payment but returned to other Banks / Branches)

OTHER THAN INDIVI DUAL

INDIVIDUALS

OTHER THAN 
INDIVIDUAL

INDIVIDUALS

OTHER THAN RURAL

RURAL

OTHER THAN RURAL

RURAL

For Savings Accounts/
Current, OD / OCC Accounts

Up to Rs.10 Lakh: Rs.300/- +GST

Above Rs.10 lakh to Rs.50 Lakh:  Rs.500/- + GST

Above 50 Lakh to Rs. 1Cr:Rs.1000/- + GST

Above Rs.1 Cr: Rs.5000/- + GST.

Cheque return charges for cheques drawn on us (for technical reason not to be charged where customers are not at fault as per RBI guidelines).

5. Cheque Book Issue : SB / CA / OD / OCC Accounts

Particulars

CA/OD/OCC

Savings Bank account

Beyond free entitlement charges are as mentioned below:

Issuance of MICR/CTS Cheque Book

Rs. 5.00 per cheque leaf

Rs. 4.00 per cheque leaf

No. of free Cheque leaves for SB Account in a calendar year

25 leaves free in a calendar year

Free for Senior Citizens, Staff / Ex staff  

6. No Due Certificate

OTHER THAN INDIVIDUAL

INDIVIDUALS

OTHER THAN RURAL

RURAL

Issue of No Due Certificate

Rs. 150/- per certificate

Rs. 100/- per certificate

Rs. 50/- per certificate

Exceptions

Government Sponsored Schemes: NIL
Agriculture and Priority Sector Advances- Rs.10/-
Self Help Group :  Rs. 10/- for each member

7. Minimum balance and Non-maintenance of Minimum balance charges:

Service/Product/Account

Particulars

Service charges

(I) CANARA BASIC SAVINGS BANK DEPOSIT ACCOUNT

(II) CANARA SMALL SAVINGS BANK DEPOSIT ACCOUNT,

(III) NSIGSE, PMJDY, Staff, Pensioners, Senior citizen, Non-Resident, JeevanDhara, SB Power Plus, Pay Roll Account, GenY, SB Defence Account and canara champ account

Charges for non-maintenance of minimum Balance

As per the product features

Service/Product/Account

 Average Minimum balance

Savings Bank account

With/ without Cheque Book

Rural –Rs.500/-; Semi-Urban / Urban / Metro - Rs. 1000

Non maintenance of Minimum balance charges

Modification in charges (Based on Average Monthly Balance-AMB)

a) METRO / URBAN / SEMI URBAN Branches

b) RURAL BRANCHES

AMB maintained in
the account against the stipulated
Rs. 1,000/-

Charges per
month for
violation of AMB

AMB maintained in
the account against the stipulated
Rs. 500/-

Charges per month for 
violation of AMB

Rs. 999/- to Rs. 700/-

Rs. 25/- + GST

Rs. 499/- to Rs. 350/-

Rs. 25/- + GST

Rs. 699/- to Rs. 400/-

Rs. 35/- + 
GST

Rs. 349/- to Rs. 200/-

Rs. 35/- + 
GST

Rs. 399/- and below

Rs. 45/- + 
GST

Rs. 199/- and below

Rs. 45/- + 
GST

Current Account

Required minimum Balance based on average monthly balance

Rural/Semi-Urban- Rs.1000/-
Urban/Metro –Rs.5000/-

Charges of non-maintenance of minimum balance based on average monthly balance

Applicable for all Branches

Rs.60 + GST per day. 
Max: Rs.400 + GST per calendar month.

Mode of calculation of minimum balance

Charges for non-maintenance of minimum balance on any day/any number of days during the month.

Note: 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.

Guidelines-

·        Whenever the AMB falls below the required minimum AMB, SB customers will be notified by SMS/ email/ letter before 7th of the subsequent month.

·        In case of continuous default, SMS/e-mail/letter will be sent only for 2 consecutive months. In any of the subsequent months, if the account is set right by maintaining the required AMB, therefore notice will be sent as usual, in case of default.

·        If AMB falls below the stipulated amount in a particular month and the customer does not maintain AMB in the subsequent month even after sending SMS/ email/ letter, penal charges are as applicable will be levied.

·        Wherever mobile number or email is not provided by the customer and notice is sent ordinary charges + applicable GST towards notice charges will be charged by the system in addition to penal charges.

·        Charges will be debited to the account to the extent of available balance or penal charges whichever is less. If the account goes to zero balance, charges will not be further debited.

·        In respect of accounts where parties do not surrender cheque book and there is no response to the notice and the accounts are not found fit for revival, Branches shall close such accounts.

8. Charges for In-operative Accounts (Quarterly Service Charge)

i ) In-operative SB Accounts

 No Charge

ii ) In-operative Current Accounts

 No Charge

Particulars

Charges

Upto and inclusive of Rs. 10000/-

Rs. 100.00

Above Rs.10,000/-up toRs.10.00 lakh

Rs. 8/- per Rs. 1,000/- or part thereof with a minimum of Rs. 100/-

Above Rs.10.00 lakhs

Rs. 8/- per Rs. 1,000/- or part thereof with a minimum of Rs. 8000/- and maximum of Rs. 15000/-

Retirement of Bills against tender of Cash:

Rs.300 per bill in addition to normal charges

Bills returned unpaid

50% of applicable collection charges (as given above) with a minimum of Rs.100+postage

10. SAFE CUSTODY CHARGES / SAFE CUSTODY ARTICLES :

a) Sealed Cover / Packet

Rs.750/- min per cover p.a., or its multiples

b) Scrips

Rs.50/- per scrip with a minimum of Rs. 300/- p.a. or part there of

c) Sealed Box

10x10x10cc

Minimum Rs. 750 p.a. or its multiples

20x20x20cc

Minimum Rs.1500 p.a. or its multiples

30x30x30cc

Minimum Rs.2000 p.a. or its multiples

Note: The above charges are only indicative. Depending upon the size of the box/cover/packet Branch can charge higher in consultation with Circle Office.

11. Standing instruction charges (SB / CA / OD / OCC etc.)

a) For transfer of funds within the same branch

One time Registration charges Rs.100/- per case. Thereafter Rs 35/- for every debit. No charges for standing instruction to loan/ RD/ Deposit accounts of self.

Exemptions: The above charges understanding instructions within the same branch are not applicable in the following cases: 1. Guardian’s a/c to minor’s a/c. 2. Between a/cs of parents and children. 3. Between the accounts of the spouses. 4. From Co-obligant’s account to the credit of Borrower’s account 5.
5. Standing Instruction to Loan / RD/ Deposit accounts of self.

b) For transfer of funds to other branches and outside agencies

One time Registration charges Rs.100/- per case therafter Rs 40 for every debit PLUS Actual remittance charges+OPE

c) Failed/ non execution of SI due to insufficient funds

Rs.100 per instance (above charges are not applicable for delay in EMI/ Failed installment of loan)

12. LEDGER FOLIO CHARGES - CURRENT A/C / OD /(on Quarterly basis)

40 entries or part thereof shall be treated as one page. Rs.125/- 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:

If Quarterly Average Credit Balance in the account is

Number of folios free

Upto Rs. 25000/-

NO Free Folios( Charges for all the folios)

Above Rs. 25000/- up to Rs. 50000/-

3 ledger page( Charges for more than 3 folios)

Above Rs.50000/-

No folio charges.

Note: For SB accounts, no folio charges.

After inception of BHIM UPI, the transactions of small tickets are increasing exponentially and hence the charges levied on customers 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.

Kindly note the above mentioned charges remain same, whereas BHIM-UPI based transactions will be excluded while levying ledger folio charges.

13. Issue of duplicate Deposit Receipt

Rs. 100/- per instance/ receipt

14. Issue of Call Deposit Receipt

Rs. 500/- per instance

15. Signature/ Photo Verification/Certificate for passport purpose :

Rs.150/- per attestation / Verification/Certificate

16. Delay clearance of Parcels/post parcels received under ISC / IBC. (Applicable both for individuals and other customers)

For parcels not cleared on presentation, a charge of Rs.5/- per day should be levied from the due date of payment till clearance / payment. The minimum charge per parcel is Rs.20/-.

17. Instruments Directly received by post in unsolicited covers sent by organizations / institutions(To be collected from the beneficiary if no arrangement with the sender company)

Rs. 20/- per credit / instrument (Existing guidelines apply).

18. Deletion of name of deceased customer, merger of companies, change in the name of companies etc (including reconstitution of accounts)

No charges for individual customers.
Non- individuals: Rs. 150/- per occasion.

Exemptions: Staff/ Ex-staff/ Death of Customer

19. Change in authorised signatories of companies (CA/OD/OCC) including clubs, Co-operative Societies.

Rs. 250/- per instance for all categories.

20.Loss of Token

Rural branches

Rs. 30/- per token

Other branches

Rs. 60/- per token

21.Registering Power of Attorney/Operations by power of Attorney/Mandate 

·        Savings Bank Accounts

·        CA/OD/OCC

Rs. 500/-  p.a + GST
Rs. 700/-  p.a + GST

22. Holding Bills for collection for every quarter beyond 3 months after due date

Additional 25% of normal collection charges. Minimum Rs. 100/- per quarter.

@ At the request of drawer / customer and subject to other applicable conditions

23. Change of original instructions in respect of Outward / Inward bills for collection such as extension of time, waiver of C form etc.

Rs. 100/- per request plus Out of Pocket expenses.

24. Loss of locker key

Rs. 1000/- in addition to actual break open charges & replacement of lock and keys.

For staff/ Ex-staff only break open charges.

25. Locker Operations

a) Locker Registration charges (One Time)

 Rs. 400 /- one Time

Exemptions-staff/ Ex-staff

b) Locker Rent [ Financial year ]

Size        Metro        Urban/Semi Urban       Rural
Small       2000/-             1500/-                 1000/-
Medium   4000/-              3000/-                 2000/-
Large       7000/-             6000/-                 4000/-
Very Large 10000/-          8000/-                6000/-
*Staff/ Ex-staff 25% concession on locker rent.Synd Supreme/Canara Power Plus account holders – 25 % concession on Small/Medium sized lockers only
** The above rates are Minimum. Circles can charge higher charges based on locality / locker demand etc.

c) Locker Security Deposit

Size       Metro        Urban/Semi Urban         Rural
Small     12000/-          10000/-                   8000/-
Medium  15000/-          14000/-                 10000/-
Large      20000/-          20000/-                 15000/-
Very Large 25000/-        25000/-                20000/-

d) Insta Locker [ renting for shorter period of 1 day to 60 days ]

Locker Deposit – Rs.5000/- for All Branches
Size         Days        Metro           Urban/Semi Urban    Rural
Small       1 – 3       500.00          500.00                    500.00
               4-15        700.00          600.00                    500.00
               16-30      1000.00        700.00                     600.00
               31-60      1200.00        800.00                     700.00
Medium    1 – 3       600.00          600.00                     600.00
               4-15        1000.00        700.00                     600.00
               16-30      1500.00        1000.00                   900.00
               31-60      1700.00        1200.00                   1100.00

e) service charges for locker operation

Up to 12 operations per annum: No charges
Beyond 12 operations: Rs. 100/- per operation + GST.

f) Penal Charges on delayed remittance of locker rentals

Penal charges to be collected in addition to actual rentals : If the delay is –
Up to and inclusive of one Quarter – 10% of applicable annual rental
Up to and inclusive of two Quarters – 25% of applicable annual rental
Up to and inclusive of three Quarters – 40% of applicable annual rental
Up to and inclusive of four Quarters – 50% of applicable annual rental
one year and above – 100% of applicable annual rental
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 Quarters and 1st April for one year and above)

26. Current Account maintained by other Bank with us: (Remittance by Banker’s cheques/ other instrument)

·        Fund transfer among member banks for meeting adverse clearing positions

·        Funds transfer for reasons other than clearing instruments

·        Discounting DD/ Outstation cheques for meeting clearing adverse or otherwise

·        Discounting TTs for raising of funds.

·        Remittance by Cash for meeting adverse clearing position or otherwise

No charges

0.06% of actual remittance amount

Actual discounting charges + interest + OPE as applicable to customers.

 As advised by Integrated Treasury Wing

120% additional to actual remittance charges

27.Phone banking service charges for sending statement / certificate as per request under physical delivery

up to including Rs.5000/- = Rs.25/- for SB ,
Rs.50/- for others
Above Rs.5000/- to Rs.10000/- : Rs.50/- per instrument
Above Rs.10001 to Rs.1 lakh :Rs.100/- per instrument
Above 1 lakh :Rs.150/- per instrument

28 FACILITIES / CONCESSIONS IN SERVICE CHARGES FOR CERTAIN CATEGORY OF CUSTOMERS

a). Collection of instruments favoringspecially abled person

For instruments up to Rs. 10000/-, No charges.

b). Collection of charges for scholarships amount payable to SC / ST students

Waived

29. ISSUE OF PASS BOOK / E-STATEMENT / BALANCE CERTIFICATE / INTEREST CERTIFICATE

Issue of Pass Book/ Pass Sheets/E-statement

      a) SB Accounts

                i) Pass Sheets : First set free of charges in a month for all categories

               ii) Computerised Pass Books : No Charges

      b) Current / OD / OCC Accounts

Pass Sheets : First set free of charges in a month

30. ISSUE OF BALANCE CERTIFICATES / INTEREST CERTIFICATES

Particulars

OTHER THAN INDIVIDUAL

INDIVIDUALS

OTHER THAN RURAL

RURAL

Issue of Balance Certificate

Rs.100

                 Rs.60

Rs.40

Interest Certificates (Interest Paid / Interest Collected Certificates)

1st Certificate : Free extra Copy : Rs. 150/- per certificate

1st Certificate : Free extra Copy : Rs. 75/- per certificate

1st Certificate : Free extra Copy : Rs. 50/- per certificate

31. ISSUE OF DUPLICATE PASS BOOK OR STATEMENT / PASS SHEET

a) Duplicate Pass Book / Pass sheet / Statement

Rs. 100/- with latest balance, additional Rs.50/- per page, for previous entries

Rs. 100/- with latest balance, additional Rs.50/- per page, for previous entries

Rs. 100/- with latest balance, additional Rs.50/- per page, for previous entries

Note : 40 entries or part thereof is treated as one page / sheet

32. STOP PAYMENT : (Stop payment instructions / revocation of instruction)

·        For Instructions:(Stop payment instructions including for range of Cheques / blank cheques / cheque book lost etc).

i. SB Accounts

Non-individual: Rs. 250/- per cheque. (Maximum Rs. 1000 per occasion)

Individual non-rural: Rs. 150/- per cheque. (Maximum Rs. 750 per occasion)

Individual rural- Rs. 100/- per cheque. (Maximum Rs. 500 per occasion)

ii. CA / OD / OCC

Rs. 200/- per cheque.(Maximum Rs. 600 per occasion)

Rs. 100/- per cheque. (Maximum Rs. 500 per occasion)

Rs. 100/- per cheque. (Maximum Rs. 500 per occasion)

b. Noting of  Loss of Cheque Book/ leaf for all accounts

Rs.5 per leaf with a Minimum of Rs.50, Maximum of Rs.1000+ GST

Rs.5 per leaf with a Minimum of Rs.50, Maximum of Rs.1000+ GST

Rs.5 per leaf with a Minimum of Rs.50, Maximum of Rs.1000+ GST

c) Revocation of Stop Payment

SB: Rs.50/- Plus GST per revocation
CA/ OD/ OCC: Rs.100 + GST per revocation

SB: Rs.50/- Plus GST per revocation
CA/ OD/ OCC: Rs.100 + GST per revocation

SB: Rs.50/- Plus GST per revocation
CA/ OD/ OCC: Rs.100 + GST per revocation

33. ENQUIRY OF OLD RECORDS

a) Entries up to six months :

SB / CA / OD (All type of Accounts)

Free of Charge

Free of Charge

Free of Charge

b) Entries above 6 months up to 1 yr old :

SB / CA / OD (All type of Accounts)

Rs. 100/- per request.

Rs. 100/- per request.

Rs. 100/- per request.

c) Entries Beyond 1 yr :

SB / CA / OD (All type of Accounts)

Rs. 250/- per request.

Rs. 250/- per request.

Rs. 250/- per request.

Note: For entries above one year old, Branch manager has discretion to levy extra charges to (c) above, based on time spent / work involved. Copies of documents / cheques etc at customers cost.

34.ACCOUNT CLOSURE :

a. Closure of SB / CA beyond 14 days and within 1year

      SB Accounts -

Rs. 200/- per account

Rs. 200/- per account

Rs. 200/- per account

       Current  
       Accounts

Rs. 750/- per account

Rs. 750/- per account

Rs. 750/- per account

b.ACCOUNT CLOSURE : (Closure of SB / CA beyond one year) -

      SB Accounts -

Rs. 100/- per account

Rs. 100/- per account

Rs. 100/- per account

       Current 
       Accounts

Rs. 375/- per account

Rs. 375/- per account

Rs. 375/- per account

*No Charges for closure of A/C within 14 days of opening.

RECURRING DEPOSIT
(for premature closure of RD account within one year of its opening)

Rs.100/- Per RD Account

Rs.100/- Per RD Account

Rs.100/- Per RD Account

Exemptions: 1) BSBD Account 2) Opening of account in joint names.
3) Death of the account holder. 4) Transfer from branch to branch.

35. INTERCITY TRANSACTIONS : (Outstation Branches)

   Type of Transaction

Charges for CBS branches

 OSC

Up to and including Rs. 5000/ 

Above Rs 5000/ - and up to and including Rs 10,000/ -
 
Rs. Rs 10,001/ - to Rs 1,00,000/ - 

Rs 1,00,001/ - and above

25/ - for SB account 50/- For other than SB account 
Rs 50 per instrument

Rs 100 per instrument 

Rs 150 per instrument

 36. CASH HANDLING CHARGES

FOR CASH REMITTANCE TO SAVINGS BANK ACCOUNTS

FOR CASH REMITTANCE TO CA/OD/OCC ACCOUNTS

·        Up to Rs.50000/-

a) 3 transaction free in a month.
b) 4th transaction onwards: Re.1 per thousand or part thereof with a minimum of Rs.50 and maximum of Rs.5000/- per transaction Plus GST.

·        Above Rs.50000/-

Re.1 per thousand or part thereof with a minimum of Rs.50/- and maximum Rs.5000/- per transaction plus GST.

·        Per day remittance up to Rs.1 Lakh : Free

For cash deposits above Rs. 1,00,000/- , cash handling charges at Re. 2/- per Rs. 1,000/- or part thereof;

·        With a minimum of Rs. 100/- per transaction and a maximum of Rs.5000/- per transaction.

·        The charges are uniformly applicable to all branches.

·        If a customer makes two or more remittances of cash in a day, cash handling charges shall be debited EOD, if the total remittance during the day exceeds the exempted limit of Rupees One Lakh.

Cash remitted at Cash Deposit Machine / Kiosks / Alternative Channels :

·        Regular cash handling charges shall be applied to SB and CA/OD/OCC accounts as applicable.

·        Cash remittances made at home and non-home branches, Cash Deposit Machines, Kiosks (even if remitted on previous holidays) would be clubbed together to arrive at the free entitlement and levy suitable charges as above.

Cash Remittance of Small Denominations (Rs.50 and below) - SB/CA/OD/OCC

·        Up to 1000 pieces/10 packets: No charges.

·        Beyond 1000 pieces/10 packets: Rs.10/- per packet or part thereof with a minimum of Rs.10/- and maximum of Rs.10,000/-plus GST.

NOTE: SB/CA/OD/OCC - This is in addition to existing Cash Handling Charges.

37. Cash Withdrawal at Branches SB/CA/ OD/ OCC

·        i.Savings Account :

o            Up to 5 Cash Withdrawals in a month:  No charges.

o            Beyond 5 Withdrawals: Rs.100/- per transaction+ GST.

·        Ii.CA/OD/OCC Accounts :

o               Up to Withdrawal of Rs.5,00,000/- in a month: No Charges.

o               Beyond Rs.5,00,000/-  :  Rs.1/- per 1000, with a minimum of Rs.100/- and

o                                            Maximum of Rs.10,000/- + GST.

NOTE:  IT IS EXCLUDING ATM CASH WITHDRAWAL or other Alternate Banking Channel.

38. Excess Number of Withdrawals/ Additional debit entries in SB Account

50 Debit Entries free per half year excluding Alternate Channel debits.
Beyond 50 debit entries excluding alternate channel per half year either by cheque or otherwise: Rs.10/- per Debit.

39.Change of Nomination Facility

Noting Nomination first time: Free
Thereafter Rs. 100/- per instance

40. Transfer of entire Balance in account to other Bank at the time of Account closure and Transfer of Funds.

 Actual Remittance Charges + Out of  Pocket Expenses+GST

41.Addition / Deletion of names

Rs 50/- per case / instance

42. Charges for recording reconstitution
of account

Rs 150/- per case / instance in case of
non-individuals

43. Copy of original of cheque/ DD(Paid by Bank)

Rs 50/- per cheque/instrument with minimum of Rs.100/-

44. Transfer ofCASAAccounts to any of our Branches

Flat Rs. 50/- plus Out of Pocket Expenses (OPE) for both SB &Current Accounts.

45.Address Confirmation/ Address Attestation

While customer walks into branches to get address attested for any purpose

For SB/CA/OD/OCC: Rs.50 per instance

46. Request for Change of Mobile number/ E-mail/ Address

For SB/CA./OD/OCC: at the time of account opening/ First time /  legacy accounts: NIL

Further change: Rs.50 per instance

47. Request for Modifying operating instructions

For SB: Rs.100 per instance

For CA/OD/OCC: Rs.250 per instance.

48. Any deliverable returned back to Branches.By courier/mail due to negative response(no such consignee/consignee shifted to different address)

For instance: Cheque books, debit cards, credit cards, Bank notice returned back to Branch.

For SB/CA/OD/OCC: Rs.100 per return mail

49. Issuance of Withdrawal slips for those account holders who hold cheque book with them

Rs.50 per instance

50.Charges for SMS Alert Per Quarter

For customer induced transaction only

Should be levied on Actual basis ( quarterly)

Domestic SMS: Cost per SMS to be levied as 22 paisa per SMS Plus GST

International SMS: Rs.1.20 per SMS plus GST.

Exemption: Staff/ Ex-Staff, PMJDY, BSBD, other Financial Inclusion accounts.

Till the automation of the above charges, existing charges are applicable. i.e Savings Bank: Rs.15 Per quarter; CA/OD/OCC: Rs.25/- per Quarter

51. POSTAL TARIFF / OUT OF POCKET EXPENSES
Postal Tariff should be collected in all cases wherever applicable, including where at par facilities are granted, as follows:

a) Ordinary Post

Actual- Minimum Rs.15 per envelope

b) Regd / Courier/ speed post

Actual- Minimum Rs.50 per envelope

c) Fax / Telephone Only at the request of customer

Actual- Minimum Rs.50per envelope

Note: 1) Postages / Out of Pocket expenses are in addition to service charges applicable. 2) If two or more instruments favouring a single party are sent to the same branch / office of a bank together, in common single cover by post, in such cases postal tariff mentioned above as applicable to single cover / instrument may be collected. 3) If a single instrument is collected and credited to number of accounts actual / minimum postage may be shared amongst beneficiaries subject to minimum of Re.1/- per credit / customer.

Note 1.GST is applicable for all the Service Charges, and the charges mentioned above are exclusive of GST.

Note 2: For individual pensioners/ senior citizens, irrespective of population group, charges as applicable to rural shall apply.

Note 3: Staff/ Ex-staff accounts are exempted from the Service Charges enumerated above.