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Service Charges
Service Charges
SERVICE CHARGES FOR OTHER THAN PRIORITY SECTOR ADVANCES
RATES AT A QUICK GLANCE – as per RBI format
| 1. a) Demand Drafts/TT Issue - OUTSTATION | |||
| Amount ranging | 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 |
Note: 1. For multiple DDs issued in lieu of single DD, commission as applicable for the aggregate amount alone shall be collected. 2. Charges for funds transferred by student account holders, to Educational Institutions / colleges by way of RTGS & NEFT and / or issue of DDs for such institutions / colleges are waived.
1. b) LOCAL DEMAND DRAFT / PAY ORDER / BANKER’S CHEQUE ISSUE : | |||
| Amount ranging | 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 |
Note : 1. For multiple DDs issued in lieu of single DD, commission as applicable for the aggregate amount alone shall be collected.
2. Charges for funds transferred by student account holders, to Educational Institutions / colleges by way of RTGS & NEFT and / or issue of DDs for such institutions / colleges.are waived.
| 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 | Up to Rs.1000/- - No additional 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. |
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| Cancelation | up to 10lakhs- Rs.100/- per instrument |
| Revalidation | up to 10lakhs- Rs.100/- per instrument |
| Issuance of duplicate DDs. | up to 5lakhs- Rs.100/- per instrument |
Note: For DDs cancelled, charges will be recovered to the extent of their value, if the amount is less than or equal to the SC in the 1st slab of the respective category.
2. a) Outstation cheque collection | Inward / Outward Collection of Outstation cheques / instruments such as DDs/ Dividend / Interest Warrants, Refund Orders, Income Tax Refund orders etc. (other than bills) |
| Up to Rs. 5,000/- | Rs. 25/- per instrument for SB Account and Rs.50/- per instrument for other accounts |
| Upto Rs. 10,000/- | Rs 50/- per instrument |
| Rs. 10,001/- to Rs. 1,00,000/- | Rs. 100/- per instrument |
| Rs. 1,00,001/- to Rs. 10,00,000/- | Rs. 200/- per instrument |
| Rs. 10,00,001/- and above | Rs. 250/- per instrument |
NOTE : The above charges are per instrument fixed tariffs and all inclusive and NO courier or out of pocket expenses to be collected in addition. The charges are applicable to both individual and other than individual customers irrespective of the population group. Sharing of commission on 50:50 basis is applicable for cheques directly sent to Private Sector Banks/Foreign Banks/ Co-operative Banks/RRBs sponsored other Banks/any other Banks, for want of our branch at drawee cente. Commission levied by both the destination (paying) bank and collecting bank shall not exceed the maximum commission stipulated by RBI.
| 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 |
| Individual non-rural | If value of instrument is up to Rs.500/-, No charges, only OPE# + Postage |
| Non-individual | Normal Charges - No concessions |
| Electronic Payment Services | ||||||
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RTGS Transactions:
| Amount of RTGS Transaction | Service Charges |
| Rs.2 lakhs & up to Rs.5 lakhs | Rs. 24.50 |
| Above Rs.5 lakhs | Rs. 49.50 |
NEFT Transactions :
| Amount of NEFT Transaction | Service Charges |
| 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 |
Note: SB customers if NEFT transaction initiated through online channel (viz. internet bank and/or mobile apps of the banks) : No Charges
Note :Against Cash only upto Rs.50,000 – Normal charges
Bank has Waived NEFT charges for Savings Bank Account holders for transactions which are
Initiated online (viz. internet bank and/or mobile apps of the banks) w.e.f 01-01-2020
RTGS TRANSACTIONS-SETTLEMENT TIMING:
DAYS | Customer Transactions |
| All Working Days | 07.00 hours to 18.00 hours |
NEFT – TRANSACTIONS - HALF-HOURLY SETTLEMENT TIMING:
DAYS | TIMING |
| All Working Days | 08.00 AM to 19.00 PM for Branches 24 x 7 basis, without holidays for Online Banking |
Forty Eight Batches
| 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) | Charges as applicable to cheque return charges for different categories |
| Funds Transfer through Internet and Mobile Banking Services (IMPS transfer) | IMPS Funds Transfer through Mobile Banking and Internet Banking Services : |
Note: IMPS Charges are exempted for Staff Account, Ex-staff, Jan Dhan Accounts, Canara Bank Basic Savings Bank Deposit (BSBD) Accounts and other Financial inclusion Accounts.
Immediate Credit of outstation cheques upto Rs.15000/-
(i) In the case of outstation cheques, our usual commission along with postage charges should be collected at the time of instant credit to the account.
(ii) In the case of local cheques, applicable commission is Rs.10/- per cheque
(iii) Applicable service taxes plus cess thereon shall be collected in addition to the above charges.
CHEQUE RETURN CHARGES
| 4. Cheque / Instrument return charges – LOCAL & OUTSTATION | ||||||
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| Outward Returns | Inward Returns | ||||
| Return of Outward Instruments | 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 | INDIVIDUALS | |||
| OTHER THAN RURAL | RURAL | OTHER THAN RURAL | RURAL | |||
| For Savings Accounts/ | Upto 1 Cr | Upto 1 Cr | Upto 1 Cr | Upto 1 Cr | Upto 1 Cr Above 1 Cr | Upto 1 Cr |
** In addition to the above, Interest at rate applicable for clean advances will be collected for the period Bank was out of Funds [ Funds Outlay for the Bank ]
** Other Bank Charges if any will be collected.
For Instant Credit upto Rs.15000/- :Rs.10/- per cheque
| 5. Cheque Book Issue : SB / CA / OD / OCC Accounts | |||
| Particulars | OTHER THAN INDIVIDUAL | INDIVIDUALS | |
| OTHER THAN RURAL | RURAL | ||
| Issuance of MICR/CTS Cheque Book | Rs. 5.00 per cheque leaf | Rs. 4.00 per cheque leaf | Rs. 4.00 per cheque leaf |
| Free Cheque leaves for SB Account in a calendar year | 20 leaves free | 20 leaves free | 20 leave free |
Note : Cheque book charges for SB accounts are to be levied only for the additional leaves issued in excess of the free entitlement.
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 |
| No charges for Government Sponsored Schemes. | |||
SAVINGS BANK ACCOUNTS
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| Service/Product/Account | Particulars | Service charges | |||
| (I) CANARA BASIC SAVINGS BANK DEPOSIT ACCOUNT | Minimum balance charges for non maintenance thereof | NIL. | |||
| (II) CANARA SMALL SAVINGS BANK DEPOSIT ACCOUNT, | |||||
| (III) NSIGSE, PMJDY, Staff, Pensioners, Senior citizen, Non-Resident, Jeevan Dhara, SB Power Plus, Pay Roll Account, GenY, SB Defence Account and canara champ account | |||||
| Service/Product/Account | Minimum balance | ||||
| Savings Bank account | Rural –Rs.500/-; Semi-Urban / Urban / Metro - Rs. 1000 (for both accounts with cheque book facility or without Cheque Book facility) | ||||
| Non maintenance of Minimum balance charges | Modification in charges (Based on Minimum Average Monthly Balance-AMB) | ||||
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| a) METRO / URBAN / SEMI URBAN Branches | b) RURAL BRANCHES | |||
| AMB maintained in | Charges per | AMB maintained in | Charges per month for | ||
| Rs. 999/- to Rs. 700/- | Rs. 25/- + | Rs. 499/- to Rs. 350/- | Rs. 25/- + | ||
| Rs. 699/- to Rs. 400/- | Rs. 35/- + | Rs. 349/- to Rs. 200/- | Rs. 35/- + | ||
| Rs. 399/- and below | Rs. 45/- + | Rs. 199/- and below | Rs. 45/- + | ||
| Current Account | Rural/Semi-Urban- Rs.1000/- | Rs.60/- per day. | |||
| Mode of calculation of minimum balance | Charges for non-maintenance of minimum balance on any day/any number of days during the month. | ||||
| The above penal charges for non-maintenance of Minimum Balance in In-Operative CA/SB Accounts are waived.
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| 8. Charges for In-operative Accounts (Quarterly Service Charge) | |
| i ) In-operative SB Accounts | |
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a. No Charge | |
| ii ) In-operative Current Accounts | |
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a. No Charge | |
9. OUTWARD / INWARD COLLECTION OF BILLS :(Clean, Documentary, Demand / Usance including supply bills)
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| 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 there of 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/- |
| For Bills / Cheques returned unpaid, the following charges will be levied: | 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 CO. | |||||||||
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Safe Keeping Charges for all types of gold loans:
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| 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 Therafter Rs 35/- for every debit No charges for standing instruction to loan/ RD/ Deposit accounts of self. |
| Exemptions : The above charges under standing 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. | |
| 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 / OCC / KCC / PL/ KCCS | |
| 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). | |
| If Quarterly Average Credit Balance in the account is | Number of folios free |
| Upto Rs. 25000/- | NIL |
| Above Rs. 25000/- up to Rs. 50000/- | 3 ledger page |
| Above Rs.50000/- | No folio charges. |
| Note: For SB accounts, no folio charges. | |
| 13. Issue of duplicate Deposit Receipt | Rs. 100/- per instance |
| 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. 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 deceased name, merger of companies, change in the name of companies etc (including reconstitution of accounts) | No charges for individual customers. |
| 19.Change in authorised signatories of companies (CA/OD/OCC) including clubs, Co-operative Societies. | Rs. 250/- per instance |
| 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 | |
| Rs. 500/- 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). |
| 25. Locker Operations | |
| a) Locker Registration charges (One Time) |
Rs. 400 /- one Time |
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b) Locker Rent [ Financial year ] | Size Metro Urban/Semi Urban Rural |
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c) Locker Security Deposit | Size Metro Urban/Semi Urban Rural |
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d) Insta Locker [ renting for shorter period of 1 day to 60 days ] | Locker Deposit – Rs.5000/- for All Branches |
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e) service charges for locker operation | Up to 12 operations per annum: No charges |
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f) Penal Charges on delayed remittance of locker rentals | Penal charges to be collected in addition to actual rentals : If the delay is – |
| 26. Current Account maintained by other Bank with us: (Remittance by Banker’s cheques/ other instrument) | |
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? 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 , |
| 28 FACILITIES / CONCESSIONS IN SERVICE CHARGES FOR CERTAIN CATEGORY OF CUSTOMERS | |
| a). Collection of instruments favouring Physically challenged persons / blind | 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 | |||
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| OTHER THAN INDIVIDUAL | INDIVIDUALS | |
| OTHER THAN RURAL | RURAL | ||
| 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) | |||
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| i. SB Accounts | Rs. 250/- per cheque. (Maximum Rs. 1000 per occasion) | Rs. 150/- per cheque. (Maximum Rs. 750 per occasion) | 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 | SB: Rs.50/- Plus GST per revocation | SB: Rs.50/- Plus 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 (b) above, based on time spent / work involved. Copies of documents / cheques etc at customers cost. | |||
| 34.ACCOUNT CLOSURE : | |||
| a. Closure of SB / CA before one year | |||
| SB Accounts - | Rs. 200/- per account | Rs. 200/- per account | Rs. 200/- per account |
| Current | 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 | Rs. 375/- per account | Rs. 375/- per account | Rs. 375/- per account |
| *No Charges for closure of A/C within 14 days of opening.
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| RECURRING DEPOSIT | 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. | |||
| 35. INTERCITY TRANSACTIONS : (Outstation Branches) | ||
| Type of Transaction | Charges for CBS branches | |
| OSC | Up to and including Rs. 5000/
| 25/ - for SB account 50/- For other than SB account
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NOTE: The above OSC charges are per instrument fixed tariffs and all inclusive charges applicable to both individual and other than individual customers irrespective of the population group. No additional charges such as courier charges, out of pocket expenses etc., should be collected from the customers.
36. CASH HANDLING CHARGES | |
| FOR CASH REMITTANCE TO SAVINGS BANK ACCOUNTS | FOR CASH REMITTANCE TO CA/OD/OCC ACCOUNTS |
a) 3 Cash Remittance free in a month.
Re.1 per thousand or part thereof with a minimum of Rs.50/- and maximum Rs.5000/- per transaction plus GST. |
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| Cash remitted at Cash Deposit Machine / Kiosks / Alternative Channels :
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| Cash Remittance of Small Denominations (Rs.50 and below) - SB/CA/OD/OCC
NOTE: SB/CA/OD/OCC - This is in addition to existing Cash Handling Charges. | |
| 37. Cash Withdrawal at Branches SB/CA/ OD/ OCC |
NOTE: IT IS EXCLUDING ATM CASH WITHDRAWAL or other Alternate Banking Channel. |
| 38. Excess Number of Withdrawals in SB Account | 50 Debit Entries free per half year (excluding Alternate Channels). |
| 39.Change of Nomination Facility | Noting Nomination first time: Free |
| 40.Failed Standing Instruction | w.e.f. 05/11/2018 |
| 41.Addtion / Deletion of names | Rs 50/- per case / instance |
| 42. Charges for recording reconstitution | Rs 150/- per case / instance in case of |
| 43. Copy of the paid cheque | Rs 50/- per cheque/instrument with minimum of Rs.100/- |
| 44. TRANSFER OF SB / CA ACCOUNTS TO | Flat Rs. 50/- plus Out of Pocket Expenses (OPE) for both SB Current Accounts. |
| 45.Charges for SMS Alert Per Quarter | Savings Bank :: Rs.15/- per quarter |
Details of consolidated Processing charges for Canara MSME Gold Loan