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 From - To	OTHER THAN INDIVIDUAL	INDIVIDUALS
Amount ranging From - To	OTHER THAN INDIVIDUAL	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 From - To	OTHER THAN INDIVIDUAL	INDIVIDUALS
Amount ranging From - To	OTHER THAN INDIVIDUAL	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. 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 10.lakhs: Rs.1000/- per instrument
Revalidation	up to 10lakhs- Rs.100/- per instrument Above 10.lakhs: Rs.1000/- per instrument
Issuance of duplicate DDs.	up to 5lakhs- Rs.100/- per instrument Above 5lakhs: Rs.1000/- 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 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

Electronic Payment Services

RTGS Transactions:

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

NEFT Transactions :

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

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 : Up to Rs. 5,000/- : NIL Beyond Rs. 5,000/- to Rs. 25,000/- : Rs. 5/- Beyond Rs. 25,000/- to Rs. 1,00,000/- : Rs. 10/- Beyond Rs. 1,00,000/- to Rs. 2,00,000/- : Rs. 15/-

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
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 customer's 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 INDIVI DUAL	INDIVIDUALS
		OTHER THAN RURAL	RURAL		OTHER THAN RURAL	RURAL
For Savings Accounts/ Current, OD / OCC Accounts	Upto 1 Cr Rs.500/- + GST Above 1 Cr Rs.5000/- + GST	Upto 1 Cr Rs.500/- + GST Above 1 Cr Rs.5000/- + GST	Upto 1 Cr Rs.500/- + GST Above 1 Cr Rs.5000/- + GST	Upto 1 Cr Rs.500/- + GST Above 1 Cr Rs.5000/- + GST	Upto 1 Cr Rs.500/- + GST Above 1 Cr Rs.5000/- + GST	Upto 1 Cr Rs.500/- + GST Above 1 Cr Rs.5000/- + GST

** 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
Particulars	OTHER THAN INDIVIDUAL	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. Rs. 10/- for Agriculture and Priority Sector Advances; SHG : Rs. 10/- for each member

SAVINGS BANK ACCOUNTS

7. Minimum balance and Non-maintenance of Minimum balance charges:
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)
	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/- + applicable Service Tax		Rs. 499/- to Rs. 350/-	Rs. 25/- + applicable Service Tax
	Rs. 699/- to Rs. 400/-	Rs. 35/- + applicable Service Tax		Rs. 349/- to Rs. 200/-	Rs. 35/- + applicable Service Tax
	Rs. 399/- and below	Rs. 45/- + applicable Service Tax		Rs. 199/- and below	Rs. 45/- + applicable Service Tax
Current Account	Rural/Semi-Urban- Rs.1000/- Urban/Metro –Rs.5000/-			Rs.60/- per day. Max: Rs.400/- 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.
The above penal charges for non-maintenance of Minimum Balance in In-Operative CA/SB Accounts are waived. 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
	a. No Charge
ii ) In-operative Current Accounts
	a. No Charge

9. OUTWARD / INWARD COLLECTION OF BILLS :(Clean, Documentary, Demand / Usance including supply bills)

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 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.
d) Safe Keeping Charges for Gold Loans above Rs. 25,000/- Swarna Loan AL Gold Loan for Crop purpose Agri Gold Loan for Non Crop purpose AL Term Loan against Gold Ornaments Gold Loan to Staff	Rs. 100/- per month. (To be charged after 30 days after the expiry of the prescribed tenure of gold loan)

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. 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 / 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). 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/-	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 : Signature Verification Including attestation of customers signature/photos /issue of 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. For other than individuals: Rs. 150/- per occasion
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
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).
25. Locker Operations
a) Locker Registration charges (One Time)	Rs. 400 /- one Time
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/- * 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 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
Particulars	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)
For Instructions : ( Stop payment instructions including for range of Cheques / blank cheques / cheque book lost etc).
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 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 (b) above, based on time spent / work involved. Copies of documents / cheques etc at customer's 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 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.

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.

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

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

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

Up to Rs.50000/-

a) 3 Cash Remittance free in a month.
b) 4th Remittance 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.

Up to Rs. 1,00,000/- remittance : 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.5,000/- 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 collected, 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 :
- Up to 5 Cash Withdrawals in a month: No charges.
- Beyond 5 Withdrawals: Rs.100/- per transaction+ GST.
Ii.CA/OD/OCC Accounts :
- Up to Withdrawal of Rs.5,00,000/- in a month: No Charges.
- Beyond Rs.5,00,000/- : Rs.1/- per 1000, with a minimum of Rs.100/- and
- maximum of Rs.10,000/- + GST.

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).
If Debit entries exceeds 50 per half-year, either by cheques or otherwise, charges at Rs.10/- per Debit.

39.Change of Nomination Facility	Noting Nomination first time: Free Thereafter Rs. 100/- for every change of Nomination
40.Failed Standing Instruction (Due to Insufficient Funds)	w.e.f. 05/11/2018 Rs 100/- per instance) (Above charges are NOT applicable for Delay in EMI / failed Installment of loan repayment)
41.Addtion / 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 the paid cheque	Rs 50/- per cheque/instrument with minimum of Rs.100/-
44. TRANSFER OF SB / CA ACCOUNTS TO any of our Branches	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 CA/OD/OCC :: Rs.25 /-per quarter Exemptions :: PMJDY,BSBD, Other Financial Inclusion accounts

46. 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	Rs. 15/- per envelope or Actual whichever is higher
b) Regd / Courier	Rs. 50/- per envelope or Actual whichever is higher
c) Telegram / Fax / Telephone $ $ Only at the request of customer	Rs. 50/- per whichever is higher
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 PLUS CESS THEREON SHALL BE COLLECTED IN ADDITION, WHEREVER APPLICABLE, AS PER CIRCULARS / COMMUNICATIONS ISSUED BY ET & T SECTION, FINANCIAL MANAGEMENT WING, HO.
Note 2) :: CHARGES ARE TO BE COLLECTED INVARIABLY FOR INDIVIDUALS & OTHER CUSTOMERS AND BOTH BY RURAL & OTHER BRANCHES UNLESS SPECIFICALLY MENTIONED.

LOAN PROCESSING CHARGES
Sl/No	SCHEMES		Processing Charges		Minimum(Rs.)	Maximum(Rs.)
01	Housing Loan		0.5%		1500.00	10000.00
02	Home Improvement Loan		0.5%		1500.00	10000.00
03	Canara Mobile (four wheelers)		0.25%		1000.00	5000.00
04	Canara Mobile (two wheelers)		0.25%		250.00	1000.00
05	Canara Budget		0.5%		1000.00	5000.00
06	Canara Rent		0.5%		5000	50000
07	Canara Mortgage		1%		5000	50000
08	Canara Trade/Trader’s Scheme		Workg Capital – Rs.100/- per lac (Max Rs 1 lac) Term Loan – 1% of the loan amt (No Max)
09	Canara Cash		0.1%		100.00	250.00
10	Teachers’ Loan		1%		50.00	NA
11	Swarna Loan		1%		1000.00	5000.00
12	Canara Site		As applicable to Housing Loan Scheme
13	Canara Pension		No Processing Charges
14	Doctors’ Choice		Up to Rs. 25000/- - NIL – Above Rs. 25000/- Working Capital – 0.1% of the loan amount with a minimum of Rs. 250/-. Term Loan – 1% of the loan amount
HOUSING LOAN WITH FIXED RATE OF INTEREST		Prepayment Charges Solvency Certificate Capacity/ Capability Certificate For obtaining VISA for education purpose:		2% on the outstanding liability in case of take over of the loan by other bank / FI Rs.300 per lakh. Minimum Rs.1500+ GST Maximum Rs.25000+ GST. Rs.300 Per lakh. Minimum Rs.1500+ GST Maximum Rs.25000/- + GST 50% of the charges as mentioned above, Max Rs.2500/-+ GST.
		Charges for late payment of EMI		NIL - only penal interest collected.

Disclaimer:

All the charges mentioned below are exclusive of GST and other applicable taxes.
All the charges mentioned are subject to change. Kindly refer the latest guidelines released for applicable charges from time to time. T&C apply

Modified Service Charges/ fees for Credit Cards w.e.f 01.04.2020

Sl No	Description	Fees Description	Service Charges/Fees
1	VISA Credit Card - Classic	Issuance Fee	NIL
2	VISA Credit Card Gold	Issuance Fee	NIL
3	RuPay Select Credit Card	Issuance Fee	NIL
4	VISA Credit Card - Classic (Main & Add on):	Annual Fee	NIL
5	VISA Credit Card - Gold (Main & Add on):	Annual Fee	NIL
6	RuPay Select Credit Card	Annual Fee	NIL
7	Charges on Revolved Amount: Where the cardholder has been permitted Revolving Credit facility, the cardholder needs to pay only the minimum due amount indicated in the bill. The unpaid portion will only attract service charges:	Revolving Facility	2.5% p.m. (30% p.a.) From the due date
8	Mark up in case of Transaction in foreign currency (Applicable to cards enabled for Global Usage)	Markup Fee	Up to 3%
9	Duplicate Statement	Service Request	Rs.10/- per page
10	Cheque dishonor charges or unsuccessful payment instructions:	Penalty	Rs. 50/-
11	Cash Withdrawal Charges Transaction fee for cash withdrawal against your Credit account at our ATMs and branches	Charges	3% of the transaction amount subject to a minimum of Rs.30/-
12	Cash Withdrawal Charges	Charges	3% of the transaction amount subject to a minimum of Rs.30/- *Use of other Bank ATMs attracts extra charges levied by the respective banks.
13	Cash Withdrawal Charges Transaction fee for cash withdrawal against your Credit account at Overseas ATMs and branches.	Charges	3% of the transaction amount subject to a minimum of Rs.30/- *Use of other Bank ATMs attracts extra charges levied by the respective banks.
14	Hot listing charges	Charges	Rs. 150/-
15	Copy of charge slip:	Service request	Domestic Rs. 100/- International US $10/- or equivalent
16	Original Charges slip: If processed by our Bank	Service request	USD 2.00*
17	If Procured from other Bank (any Bank)	Service request	USD 6.00 * * Approximate rupee equivalent is charged
18	Collection charges for outstation cheques	Charges	Rs. 100 per instrument + other banks charges if any
19	Charges in respect of notices / reminders sent to cardholders having over dues	Charges	Rs. 50/- per notice
20	Over the Credit Limit Usage limit	Charges	NIL
21	Limit Enhancement	Charges	NIL
22	Late Payment Fee	Charges	NIL
23	Replacement Card issue charges in case of Hotlisted Cards due to default in payment	Charges	NIL
24	PIN Replacement	Service Request	NIL
25	Minimum Payment Due	Dues	5% of the Billed Amount Subject to a minimum of Rs.100/-
26	Petrol Transaction Charges	Charges	2.5% of transaction amount with a minimum of Rs. 10/- (presently charged by the acquiring banks) Maximum of Rs.100/- for the billing month would be reimbursed in the following cases Card should have been used for a minimum amount of Rs. 2500/- for purchase transactions during the billing month Minimum purchase of petrol and petroleum products per occasion (ticket size) for reckoning under this scheme is RS.400/-Note: Purchase of Petroleum products would not be reckoned for reward points
27	Minimum Payment Due for Staff	Dues	5% of the Billed Amount Subject to a minimum of Rs.100/-
28	Reward Point	Reward Point	Every Spent of Rs.100/- = 2 Reward Points 1 Reward Point is equal to Rs.0.25 Paisa

*Inactivity fee will be levied on cards if not used for a minimum threshold amount based on card variant.

*Use of other Bank ATMs attracts extra charges levied by the respective banks.
General
Hot listing charges		Rs.150/-
Copy of charge slip:		Domestic Rs. 100/- International US $10/- or equivalent
Original Charges slip: If processed by our Bank		USD 2.00*
If Procured from other Bank		USD 6.00 * * Approximate rupee equivalent is charged
Collection charges for outstation cheques		Rs. 100 per instrument + other banks charges if any
Charges in respect of notices / reminders sent to cardholders having over dues		Rs. 50/- per notice
SERVICE CHARGES FOR DELAYED PAYMENT:
Delayed payment beyond due date For Revolving facility: - For Non revolving facility:-		2% Minimum - Rs. 10/-. Maximum - Rs. 150/- 2% Minimum Rs. 20/- Maximum - Rs. 300/-
*All other out of pocket expenses incurred for any services rendered will be collected in addition to the fees/charges mentioned above.
FUEL SURCHARGE:
Fuel Surcharge on purchase of petroleum products	2.5% of the Transaction Amount, with a Min. Rs.10/- (presently charged by the acquiring Banks) Maximum of Rs. 100/- for the billing month would be reimbursed in the following cases:
	Card should have been used for a minimum amount of Rs.2,500/- for purchase transactions during the billing month.
	Minimum purchase of petrol & petroleum products per occasion (ticket size) for reckoning under this scheme is Rs 400/-

DEBIT CARDS	CLASSIC/STANDARD DEBIT CARD	PLATINUM DEBIT CARD	BUSINESS DEBIT CARD
Enrolment Fee	NIL	NIL	NIL
Activation/Membership Fee	NIL	NIL	NIL
Annual Fee	Rs.120/-	Rs.200/-	NIL
Hotlist / duplicate card on account of loss of card	Rs.150/-	Rs.150/-	Rs.150/-
Replacement Card	NIL	Rs.50/-	Rs.50/-
Transaction charges at Canara Bank ATM	NIL	NIL	NIL
Where the total number of financial & non-financial transactions at other Bank ATMs exceed 3* in a calendar month (for SB account holders), charges applicable: (The cap in number of transactions is 3 in six metros viz Bangalore, Chennai, Delhi, Kolkata, Mumbai & Hyderabad) For non financial transaction, charges : Financial transaction, charges:	Rs 10/- Rs 20/-	Rs 10/- Rs 20/-	Rs 10/- Rs 20/-
ATM Service Declined charges : Only for insufficient funds (when used in other bank ATMs)	Rs. 20/-.	Rs. 20/-.	Rs 20/-
Charges for request for copy of charge slips: For transaction at our Merchant Establishments For transactions at other Bank Merchants	Actual cost with a minimum of Rs 100 Actual cost with a minimum of Rs 125	Actual cost with a minimum of Rs 100 Actual cost with a minimum of Rs 125	Actual cost with a minimum of Rs 100 Actual cost with a minimum of Rs 125

For transactions abroad Charge Slip Retrieval: Charged when a customer requests a copy of sales draft in order to substantiate a transaction.	Rs. 300/- for retrieval.	Rs. 300/- for retrieval.	Rs 300/-
Charges for SMS Alerts /message sent to customers (The above charges shall not be applicable to Jan Dhan accounts, Canara Basic Savings Bank deposit account and other financial inclusion SB accounts)	Rs.15/- per quarter per customer	Rs.15/- per quarter per customer	Rs.15/- per quarter per customer
Debit card inactivity fee	NIL	NIL	Rs 300
Cash Withdrawal at PoS	1% of the transaction amount	1% of the transaction amount	1% of the transaction amount

GREEN PIN
1ST TIME PIN GENERATION	FREE
REGENERATION OF PIN	Rs 50/-

Mobile Banking & UPI Management Section
IMPS Charges	Charges (*)
Up to Rs.5000/-	Free
Above Rs.5000/- to Rs.25000/-	Rs.5/-
Above Rs.25000/- to Rs.100000/-	Rs.10/-
Above Rs.100000/-	Rs.18
(*) Excluding GST.

Schedule of fee for Canara Gift card

Gift Card Issue & refund fee:
Fee Type	Fee (applicable taxes extra)
Issue Charges	Rs. 50.00
Load charges	Rs. 20.00
Cancellation/Refund	Rs. 50.00

Schedule of Charges
BHIM Aadhaar PoS and UPI Merchant Section
BHIM Aadhaar PoS		Charges
MDR Charges
Time Period	Transaction Value	MDR Charges
01.01.2018 to 31.12.2019	Up to Rs.2000/-	Nil*
01.01.2018 to 31.12.2019	Above Rs.2000/-	@0.25% of Transaction Value
Rental Charges	Rs. 50/- + GST per month
BHIM QR
MDR Charges
Time Period	Transaction Value	MDR Charges
01.01.2018 to 31.12.2019	Up to Rs.2000/-	Nil*
	Above Rs.2000/-	@0.65% of Transaction Value*
	Above Rs.2000/-	(*min. MDR is Rs. 1/- per txn)
Rental Charges	Nil

Disclaimer:

All the charges mentioned are exclusive of GST and other applicable taxes.
All the charges mentioned are subject to change. Kindly refer the latest guidelines released for applicable charges from time to time.