Canara Bank :: Service Charges

SERVICE CHARGES W.E.F 15.02.2011

SERVICE CHARGES FOR OTHER THAN PRIORITY SECTOR ADVANCES

RATES AT A QUICK GLANCE – as per RBI format

CHARGES

Fee Based Services

1. Lockers

Type of Locker		Population group wise Base Rate Rupees per annum
Type	Locker Size in inches	Metro	Urban	Semi-Urban	Rural
A	5 x 6 x 21	700	600	550	550
B	6 x 7 x 21	800	700	600	600
C	5 x 13 x 21	900	800	700	700
D	7 x 9 x 21	900	800	700	700
H - 1	13 x 7 x 21	1200	1200	1100	1100
E	6 x 16 x 21	1300	1200	1100	1100
F	11 x 13 x 21	1900	1750	1500	1500
G	7 x 20 x 21	2200	2000	1800	1800
H	12 x 16 x 21	2800	2500	2000	2000
L	16 x 20 x 21	3500	3000	2500	2500

* The above are base rates and may vary from place to place. The rent indicated are per annum rates.

Service/Product/Account	Particulars	Service Charges
1. ATM	Membership fee	NIL
	Annual Fee	NIL
	Renewal Charges	NIL
	Late Payment Charges	NIL
	Interest Charges	NIL
	Replacement Charges	ATM cum Debit Card Rs.50/-
	Transaction Charges for Partner banks	NIL
	Transaction Charge for Non-Partner banks	Rs. 50/-

2. Credit Cards		Charges / Fees applicable as on 30.09.2008 (Service Tax as applicable extra)
S/No	Fees / Charges	Canara Visa Classic/ Master Card Standard Cards	Canara Visa /Master Card Gold Cards	CanaraVisa Corporate Cards
1	Entrance Fees	Nil	Nil	Rs. 250
2	Annual Fees	Nil	Nil	Rs. 400
3	Add on Cardm (card inactivity fees *)	Rs. 300	Rs.750	Nil
4	Card inactivity fees * (Main Card)	Rs. 400	Rs. 750	Nil
5	Service charges on outstanding balances	2.5% p.m. (30% p.a.) from the due date
6	Cash withdrawal charges	Rs. 30 per thousand or part thereof
7	Hot listing charges	Rs. 150.00
	Other charges
8	Mark up in case of transaction in foreign currency	Upto 3% of the amount
9	Duplicate Statement	Rs. 10 per page
10	Cheque dishonour charges or unsuccessful payment instructions	Rs. 50 per occasion
11	Copy of the Charge slip	Domestic transaction Rs. 100/- International transaction USD 10 or equivalent
12	Original Charge Slip if processed by our Bank	USD 2 or equivalent
12	Procured from other Bank	USD 6 or equivalent
13	Collection charges for outstation cheques	Rs. 100 per instrument + other bank charges if any
14	Charges in respect of notices / reminders sent to cardholders having overdues.	Rs. 50/- per notice
15	Delayed payment beyond due date
	For cards with revolving credit facility	2% of the amount with minimum of Rs. 10.00 and maximum of Rs. 150.00
	Non revolver cards	2% of the amount with minimum of Rs. 20.00 and maximum of Rs. 300.00
16	Return of FTV - First Return	Rs. 100.00
	Each subsequent return	Rs. 300.00

* Card inactivity fee is applicable only if the Card turnover during a Card year (a period of one year from the date of issuance of card) is less than Rs. 12000/- for Visa Classic / Master Card Standard and less than Rs. 25000 for Visa / MasterCard Gold.

** For all Cards issued on or after 01.09.2008, No annual, entrance, inactivity fees is applicable for the next five years.

3. Debit Cards		Charges / Fees applicable as on 30.09.2008 (Service Tax as applicable extra)
S/No	Fees / Charges
1	Entrance Fees	Nil
2	Annual Fees	Nil
3	Cash withdrawal charges	No charges for using our ATM . Use at other Banks ATM – as levied by the respective Bank
4	Hot listing charges	Rs. 150.00
	Other charges
5	Mark up in case of transaction in foreign currency	Upto 3% of the amount
6	Copy of the Charge slip	Domestic transaction Rs. 100/- International transaction USD 10 or equivalent
7	Original Charge Slip if processed by our Bank	USD 2 or equivalent
7	Procured from other Bank	USD 6 or equivalent

DEMAND DRAFT / TT/ PAY ORDER / LOCAL DD / BANKERS' CHEQUE

4. a) 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 TTs, in addition to DD charges as above, actual OPEs / telegram charges subject to a minimum of Rs. 50/- shall be collected. 2. For multiple DDs issued in lieu of single DD, commission as applicable for the aggregate amount alone shall be collected.

4. b) Drafts/TT Issue - LOCAL (Local DD / 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/- Upto Rs. 1.00 lakh	Rs. 4.00/- per Rs. 1000/- or part thereof minimum of Rs. 50/-	Rs. 3.50/- per Rs. 1000/- or part thereof minimum of Rs. 40/-	Rs. 3.00/- per Rs. 1000/- or part thereof minimum of Rs. 40/-
Above Rs. 1 lakh	Rs. 3.00/- per Rs. 1000/- or part thereof with minimum of Rs. 400/- Maximum Rs. 12000/- per DD	Rs. 2.50/- per Rs. 1000/- or part thereof with minimum of Rs. 400/- Maximum Rs. 12000/- per DD	Re. 2.50/- per Rs. 1000/- or part thereof with minimum of Rs. 400/- Maximum Rs. 7500/- per DD

4. c) Issue of DD / TT / PO / BC against tender of cash (both for local / Outstation)
(applicable to all branches rural and other than rural, individuals and non individuals)	Up to Rs. 1000/- no additional charges. Above Rs. 1000/- additional charges at 50% (extra) on applicable charges

Note :
i) The above charges for remittance against tender of cash are only indicative rates. However, the bank has the discretion to levy higher rates depending on the circumstances, subject to maximum of 200% of applicable normal charges.
ii)For retirement of bills against tender of cash, additional charges of Rs. 300/- flat per bill shall be collected in addition to bills collection charges.

4 . d) Cancellation of Demand Draft / Pay Order / Local DD / Banker's Cheque
Amount ranging From - To	OTHER THAN INDIVIDUAL	INDIVIDUALS
Amount ranging From - To	OTHER THAN INDIVIDUAL	OTHER THAN RURAL	RURAL
Up to Rs. 10 lakh	Rs. 100/- per DD	Rs. 100/- per DD	Rs. 100/- per DD
Above Rs. 10 lakh (other than Local)	Rs. 1000/- per DD	Rs. 750/- per DD	Rs. 500/- per DD

Note : For DDs cancelled, charges may be recovered to the extent of their value, if the amount is less than or equal to Rs. 100/75/50 as the case may be

CHEQUE COLLECTION

5. 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)
Amount ranging From - To	OTHER THAN INDIVIDUAL	INDIVIDUALS
		OTHER THAN RURAL	RURAL
Up to and including Rs. 5,000/-	Rs. 25/- per instrument for SB Account Only Rs.50/- per instrument for other type of accounts (other than SB)
Above 5,000/- and upto and including 10,000/-	Rs 50/- per instrument
Above 10,000/- and upto and including 1,00,000/-	Rs. 100/- per instrument
Above 1,00,000/-	Rs. 150/- per instrument

NOTE :
1.The above 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.
2. For instruments directly sent to other Public Sector Banks/RRBs sponsored by our Bank/Private Sector Banks/Foreign Banks/Co-operative Banks/RRBs sponsored by other Banks/any other Bank, for want of our branch at the drawee centre, commission as mentioned above will be shared on 50:50 basis.
3. Service tax levied may be collected from the customers in addition to the prescribed charges.

6. NEFT Money transfer	Inward = NIL	Outward : Upto Rs 10000/- : Re 1/- Above Rs 10000/- & Upto Rs 1 lac- : Rs 5/- per transaction Above Rs 1 lac & Upto Rs 2/- lac : Rs 15/- per transaction Above Rs 2 lac : Rs 25/- per transaction
7. RTGS Money transfer	Inward = NIL	Outward : a) 2 lac to Rs 5 lac- : Rs 25/- per transaction b) Above Rs 5lac - : Rs 50/- per transaction Plus Time varying tariff as under for both (a) and (b) above. 09.00 hours to 12.00 hours Nil After 12.00 hours Upto 15.30 hours Re 1/- After 15.30 hours Rs 5/-
SFMS (IFN 100)	Inward = NIL	Outward Rs 1/- per Rs 1000/- or part there of subject to a minimum of Rs20/- and a maximum of rs 2000/-.
ECS	Credit/Debit = NIL

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

CHEQUE RETURN CHARGES

8. A. Cheque return charges - LOCAL
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 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)
	OTHER THAN INDIVI DUAL	INDIVIDUALS		OTHER THAN INDIVI DUAL		INDIVIDUALS
		OTHER THAN RURAL	RURAL			OTHER THAN RURAL	RURAL
For Savings Accounts	Rs.75/- per cheque / instrument	Rs. 75/- per cheque / instrument	Rs. 25/- per cheque / instrument	Rs.100/- per cheque / instrument		Rs. 75/- per cheque /instrument	Rs. 50/- per cheque / instrument
For Current, OD / OCC Accounts	Rs. 100/- per cheque / instrument	Rs. 75/- per cheque / instrument	Rs. 50/- per cheque / instrument	Upto Rs.1 lac	Rs.150/-	Rs.100/-	Rs.80/-
				>1 lac to 1 crore	Rs.200/-	Rs.150/-	Rs.100/-
				>1 crore	Rs.500/-	Rs.300/-	Rs.200/-

8. B, Dishonour of cheques - OUTSTATION
Both for SB & CA / OD / OCC	Outward returns			Inward returns
	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 Outstation Cheques / Instruments received for payment but returned to other Banks / Branches)
	OTHER THAN INDIVIDUAL	INDIVIDUALS		OTHER THAN INDIVIDUAL	INDIVIDUALS
		OTHER THAN RURAL	RURAL		OTHER THAN RURAL	RURAL
	For Cheques / Instruments Returned Unpaid : UPTO Rs.10,000/- Rs.25/- Rs.10001 to Rs.100,000/- Rs.50/- Rs.1 lakh & above Rs. 75/- (Charges include commission, postage, OPE etc but applicable service tax is to be collected separately) For Bills returned Unpaid : 50% of applicable collection charges, with a minimum of Rs. 100/- + Postage			For Cheques / Instruments Returned Unpaid : UPTO Rs.10,000/- Rs.25/- Rs.10001 to Rs.100,000/- Rs.50/- Rs.1 lakh & above Rs. 75/- (Charges include commission, postage, OPE etc but applicable service tax is to be collected separately) For Bills returned Unpaid : 50% of applicable collection charges, with a minimum of Rs. 100/- + Postage

ISSUE OF CHEQUES BOOKS

9. Cheque Book Issue : SB / CA / OD / OCC Accounts
Particulars	OTHER THAN INDIVIDUAL	INDIVIDUALS
Particulars	OTHER THAN INDIVIDUAL	OTHER THAN RURAL	RURAL
i) Where MICR is operational MICR Cheques	Rs. 3.00 per cheque leaf	Rs. 3.00 per cheque leaf	Rs. 2.50 per cheque leaf
ii) Where MICR is not operational – MICR cheques	Rs. 2.50 per cheque leaf	Rs. 2.50 per cheque leaf	Rs. 2.00 per cheque leaf
- Non MICR Cheques	Rs. 2.50 per cheque leaf	Rs. 2.50 per cheque leaf	Rs. 2.00 per cheque leaf
Free Cheque leaves for SB Account in a calendar year	40 leaves free	40 leaves free	40 leave free

Note : 1) The MICR / Non-MICR cheques charges for SB accounts are levied only for the additional leaves issued in excess of the free entitlement.

2) No concession in case of Current Accounts of Govt / Govt departments, Religious / Welfare / Charitable institutions etc. and SB Accounts other than individuals such as HUF, Associations, Societies, Clubs, Schools etc.

NO DUE CERTIFICATE

10. 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
For Individuals : Concessional tariff of Rs. 10/- for Agriculture and Priority Sector Advances SHG- Rs10/- for each member.

OTHER CHARGES

CLICK HERE TO VIEW SCHEDULE OF CHARGES FOR FOREIGN EXCHANGE TRANSACTIONS

CANARA SARAL SB A/c

Service/Product/Account	Particulars	Service Charges
CANARA SARAL SB A/c - No frills A/c	Minimum balance Charges for non maintenance thereof	NIL NIL

SAVINGS BANK ACCOUNTS

Service/Product/Account	Service charges
Charges for non-maintenance of Minimum Balance (applicable for both Operative and In-operative accounts) : When the balance falls below the applicable minimum for the respective branch / account category :	Flat Charge of Rs. 30/- per month ( to be collected once in a month on last working day)
Issue of Loose Cheque leaves :	NIL

Mode of calculation of Minimum balance :Charges for non-maintenance of minimum balance on any day / any number of days during the month

Note : For Senior Citizens (60 years and above), charges for non-maintenance of minimum balance in SB account is waived.

Current Accounts :

Charges for non-maintenance of Minimum Balance
(applicable for both Operative and In-operative accounts) :
When the balance falls below the applicable minimum for the respective branch / account category :

Rs. 60/- per day. Maximum Rs. 300/- per calendar month

Charges for In-operative Accounts (Half Yearly Service Charge)
i ) In-operative SB Accounts	a. If balance in the account is above the applicable minimum (for particular branch category, for without cheque book slab), No charge.
	b. If balance is below applicable minimum, service charge of Rs. 50/- or available balance whichever is lower, is to be collected half yearly (for inoperative accounts other than unclaimed deposits).
ii ) In-operative Current Accounts	a. If balance in the account is above the applicable minimum (for particular branch category), No charge.
	b. If balance is below applicable minimum, service charge of Rs. 75/- or available balance whichever is lower, is to be collected half yearly (for inoperative accounts other than unclaimed deposits).

Note : Service charges for in-operative SB / Current Accounts to be collected on half-yearly basis are in addition to the charges for non-maintenance of minimum balance (to be levied monthly)

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

Particulars	Charges
Upto Rs. 10000/-	Rs. 100.00
Above Rs.10,000/- up to Rs.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. 7/- 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:	Charges
Local Bills	As given in para 8. A. under Cheque Return charges
Outstation Bills	As given in para 8. B. under Dishonour of outstation cheques.

RETAIL LOAN

LOAN PROCESSING CHARGES
Sl/No	SCHEMES	ProcessingCharges	Minimum(Rs.)	Maximum(Rs.)
01	Housing Loan	0.5%	500.00	10000.00
02	Home Improvement Loan	0.5%	500.00	10000.00
03	Canara Mobile (four wheelers)	0.1%	250.00	500.00
04	Canara Mobile (two wheelers)	0.1%	100.00	250.00
05	Canara Budget	0.5%	100.00	500.00
06	Canara Rent	0.5%	NA	NA
07	Canara Mortgage	0.5%	NA	NA
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%	50.00	500.00
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

RETAIL LOAN	Prepayment Charges Solvency Certificate	2% on the outstanding liability in case of take over of the loan by other bank / FI Commission on solvency certificate shall be at the rate of 0.10% with a minimum of Rs. 500/- and maximum of Rs. 10000/- per certificate.
	Charges for late payment of EMI	NIL - only penal interest collected.

4. CASH HANDLING CHARGES

FOR CASH REMITTANCE TO CA / OD / OCC ACCOUNTS

No charges for cash remittances of up to Rupees One Lakh per day per account.

For cash deposits above Rs. 100000/-, cash handling charges @ Re. 1/- per Rs. 1000/- or part thereof shall be collected, subject to a minimum of Rs. 100/- and a maximum of Rs. 2500/- per transaction.

Cash handling charges shall be collected from customers for remitting cash to the credit of their CA / OD / OCC accounts, at the base branch only.

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.

Customers are exempted from cash handling charges for remitting cash to their SB accounts irrespective of the amount.

5. Safe Custody charges
a) Sealed Cover / Packet	Rs.500/- min per cover p.a., or its multiples
b) Scrips	Rs.25/- per scrip with a minimum of Rs. 250/- p.a. or part there of
c) Sealed Box
10x10x10cc	Minimum Rs. 500 p.a. or its multiples
20x20x20cc	Minimum Rs.1000 p.a. or its multiples
30x30x30cc	Minimum Rs.1500 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.

6. Standing instruction charges (SB / CA / OD / OCC Etc.)
a) For transfer of funds within the same branch	One time Registration charges Rs.50/- per case Therafter Rs 35/- for every debit No charges for standing instruction to loan/ RD/ Deposit accounts of self.
Exemptions : The above charges of Rs 30/- per transaction for transfer of fund under standing instructions within the same branch is 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
b) For transfer of funds to other branches and outside agencies	One time Registration charges Rs.50/- per case Therafter Rs 40 for every debit PLUS Actual remittance charges+OPE

7. LEDGER FOLIO CHARGES - CURRENT A/C / OD / OCC / KCC / PL/ KCCS
Rs.100/- per ledger page (40 entries or part thereof shall be treated as one page) shall be collected on half yearly basis ( September & March) in case of current accounts and on quarterly basis in case of operating credit limit accounts like OD / OCC / KCC / PL / KCCS etc., (i.e. all credit limits other than single transaction limits and bills / cheque limits). Number of free folios per half year (in case of current account) / per quarter in case of operative credit limits (OD / OCC etc) available are as under:
If Daily Average Credit Balance in the account is	Number of folios free
Upto Rs. 50000/-	NIL
Above Rs. 50000/- up to Rs. 100000/-	3 ledger page
Above Rs.100000/- up to Rs. 200000/-	5 ledger page
Above Rs.200000/- up to Rs. 500000/-	10 ledger page
Above Rs.500000/-	No folio charges.
Note: For SB accounts, no folio charges.
8. Issue of duplicate Deposit Receipt	Rs. 50/- per receipt
9.Issue of Call Deposit Receipt	Rs. 100/-per receipt
10. Issue of Certificate for Passport – common for rural and other type of branches	Rs.100/- per certificate
11. 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/-.

12. 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)
13. 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. 100/- per occasion
14.Change in authorised signatories of companies (CA/OD/OCC) including clubs, Co-operative Societies.	Rs. 100/- per occasion
15.Loss of Token
Rural branches	Rs. 30/- per token
Other branches	Rs. 60/- per token
16.Registering Power of Attorney/Operations by power of Attorney/Mandate
SB/CA/OD/OCC	Rs. 100/- p.a.
17. 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
18. Change of original instructions in respect of Outward / Inward bills for collection such as extension of time, waiver of C form etc.	Rs. 50/- per request plus Out of Pocket expenses.
19. Loss of locker key	Rs. 200/- (in addition to actual break open charges).
20. Locker Operations	24 operations free p.a. Rs. 20/- per operation beyond 24 Delayed remittance of rentals : Rs. 20/- pm / fraction of a month, for the period of delay.
21. 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

OTHER BASIC BANKING SERVICES

FOR INDIVIDUAL PENSIONERS / SENIOR CITIZENS, IRRESPECTIVE OF POPULATION GROUP, CHARGES AS APPLICABLE TO RURAL SHALL APPLY

Particulars			OTHER THAN INDIVIDUAL		INDIVIDUALS
					OTHER THAN RURAL		RURAL
	1) ISSUE OF PASS BOOK (OR STATEMENT)/ ISSUE OF BALANCE CERTIFICATE (Including Interest certificates)
	A) Issue of Pass Book/ Pass Sheets
	a) SB Accounts
	i) Pass Sheets : First set free of charges in a month for all categories
	Additional set / copies	Rs. 20/- per page. Minimum Rs. 40/- per occasion		Rs. 10/- per page. Minimum Rs. 30/- per occasion		Rs. 10/- per page. Minimum Rs. 40/- per occasion
	ii) Computerised Pass Books : No Charges
	b) Current / OD / OCC Accounts
	Pass Sheets : First set free of charges in a month
	2nd Set / Additional set	Rs. 30/- per page. Minimum Rs. 80/- per occasion		Rs. 20/- per page. Minimum Rs. 60/- per occasion		Rs. 20/- per page. Minimum Rs. 60/- per occasion

	2) ISSUE OF BALANCE CERTIFICATES / INTEREST CERTIFICATES
	a. Balance Certificates	Rs.100/- per Certificate. Irrespective of no of certificate issued		Rs.60/- per Certificate. Irrespective of no of certificate issued		Rs.40/- per Certificate. Irrespective of no of certificate issued
	b. Interest Certificates (Interest Paid / Interest Collected Certificates)	1st Certificate : Free 2nd Copy : Rs. 100/- per certificate		1st Certificate : Free 2nd Copy : Rs. 60/- per certificate		1st Certificate : Free 2nd Copy : Rs. 40/- per certificate

3. ISSUE OF DUPLICATE PASS BOOK OR STATEMENT / PASS SHEET
a) Duplicate Pass Book / Pass sheet / Statement	With latest entry / balance Rs. 85/- per pass book / pass sheet	With latest entry / balance Rs. 60/- per pass book / pass sheet	With latest entry / balance Rs. 40/- per pass book / pass sheet
b) Additional page / sheet	Rs. 40/- per additional page or part thereof. Minimum Rs. 100/-	Rs. 25/- per additional page or part thereof. Minimum Rs. 75/-	Rs. 10/- per additional page or part thereof. Minimum Rs. 50/-
Note : 40 entries or part thereof is treated as one page / sheet

4. STOP PAYMENT : (Stop payment instructions / revocation of instruction)
a) For Instructions : ( Stop payment instructions including for range of Cheques / blank cheques / cheque book lost etc).
1) SB Accounts	Rs. 100/- per cheque. (Maximum Rs. 500 per occasion)	Rs. 60/- per cheque. (Maximum Rs. 300 per occasion)	Rs. 40/- per cheque. (Maximum Rs. 200 per occasion)
2) 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) Cancellation / Revocation of Instruction	Rs. 40/- flat (SB / CA)	Rs. 30/- flat (SB / CA)	Rs. 20/- flat (SB / CA)

5. BALANCE ENQUIRY ( Including Inquiries for old records)
a) Inquiries 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 :
i) Savings Bank Accounts Current Account / OD / OCC A/cs and Other type of accounts :	Rs. 150/- per entry.	Rs. 100/- per entry.	Rs. 50/- per entry.
Note: For entries above one year old, Branch manger has discretion to levy extra charges to (b) above, based on time spent / work involved. Copies of documents / cheques etc at customer's cost.
6. ACCOUNT CLOSURE : (Closure of SB / CA before one year) -
a) SB Accounts -
i ) With Cheque Book facility	Rs. 200/- per account	Rs. 150/- per account	Rs. 100/- per account
ii) Without Cheque Book facility	Rs. 100/- per account	Rs. 75/- per account	Rs. 50/- per account
b) Current Accounts	Rs. 750/- per account	Rs. 500/- per account	Rs. 200/- per account
Exemptions :: 1) Transfer from branch to branch. 2) Opening another account in joint names. 3) Death of the account holder

7. SIGNATURE VERIFICATION :
Signature Verification including attestation of customer's signature / photos	Rs. 100/- per attestation / case.	Rs. 75/- per attestation / case.	Rs. 50/- per attestation / case..

8.A DEMAND DRAFT REVALIDATION : (both for local and outstation)
Revalidation of DD / Local DD	Rs. 100/- flat per DD	Rs. 100/- flat per DD	Rs. 100/- flat per DD

8.B DEMAND DRAFT DUPLICATE ISSUANCE (both for local and outstation)
Issue of Duplicate DD	Rs. 100/- per DD, upto Rs. 10000/-	Rs. 100/- per DD, upto Rs. 10000/-	Rs. 100/- per DD, upto Rs. 10000/-
- For DDs above Rs. 10000/-	50% of applicable commission subject to minimum of Rs. 100/- per DD	50% of applicable commission subject to minimum of Rs. 75/- per DD	50% of applicable commission subject to minimum of Rs. 50/- per DD
9. Collection of Dividend / Interest Warrants / Refund Orders for Individuals – Concession
Concession to individual customers	No concession	If value of instrument is up to Rs. 500/-, No charges. Only OPE + Postage	If value of instrument is up to Rs. 500/-, No charges. Only OPE + Postage
		For instruments above Rs. 500/- Normal Collection charges

TARIFF STRUCTURE FOR AWB / CBS CHARGES.

i) INTRACITY TRANSACTIONS (Branches located in the same centre)

Type of Transaction	Revised charges for AWB / CBS branches
a) Remittance of Cash
	SB Accounts/CA / OD / OCC Accounts Up to Rs. 25000/- perday	No Charges
	SB Accounts/CA / OD / OCC Accounts Above Rs. 25000/-	Re. 2/- per Rs. 1000/- or part thereof Minimum Rs. 50/- Maximum Rs. 5000/-

Type of Transaction

Revised charges for AWB / CBS branches

b) Cash withdrawal	Free (max limit Rs 50000/-)
c) Funds transfer	Free
d) Clearing	Free
e) Issue of DDs	Normal DD charges

ii) INTERCITY TRANSACTIONS : (Outstation Branches)

Type of Transaction

Revised charges for AWB / CBS branches

a) Remittance of Cash
	SB Accounts/CA / OD / OCC Accounts Up to Rs. 25000/- per day	No Charges
	SB Accounts/CA / OD / OCC Accounts Above Rs. 25000/- upto Rs 50000/-	Re. 2/- per Rs. 1000/- or part thereof Minimum Rs. 50/- Maximum Rs. 12000/-
b) Cash withdrawal
	SB Accounts/CA Accounts Up to Rs. 25000/- per day	No Charges
	Above Rs. 25000/- upto Rs 50000/-	Re. 2/- per Rs. 1000/- or part thereof Minimum Rs. 25/-

Type of Transaction	Revised charges for AWB / CBS branches
c) Funds Transfer For all types of accounts ( SB / CA / OD / CC )	Up to Rs. 1,00,000/- Rs. 1,00,001/- to Rs. 5,00,000/- Rs. 5,00,001/- and above	Rs. 5/- per transaction Rs. 25/- per transaction Rs. 50/- per transaction
d) Deposit of cheques at drawee centers	All Accounts	Charges applicable to OSCs may be collected as under :
d) Deposit of cheques at drawee centers	Up to Rs. 10,000/- Rs. 10,001/- to Rs. 1,00,000/- Rs. 1,00,001/- and above	Rs. 50/- per instrument Rs. 100/- per instrument Rs. 150/- per instrument
e) Issue of DDs	Normal DD charges
f) 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.

CASH HANDLING CHARGES FOR REMITTENCE TO CA/ OD/OCC ACCOUNTS

No charges for cash remittance of up to Rupees one Lakh per day per account.
For Cash Deposit above Rs 100000/-, cash handling charges @ Rs. 1 per Rs 1000 or part thereof shall be collected, subject to a minimum of Rs 100/- and maximum of Rs 2500/- per transaction.
Cash handling charges shall be collected from customer for remitting cash to the credit of their CA/OD/OCC accounts, at the base branch only.
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.
Customers are exempted from cash handling charges for remitting cash to their SB accounts irrespective of the amount.

11. Excess Number of Withdrawals in SB Account

If withdrawal exceeds 50 per half-year,
either by cheque or otherwise, charges at
Rs.2/- per withdrawal subject to Minimum
of Rs.10/

12.SERVICE CHARGES FOR CERTAIN SERVICES

PARTICULARS	REVISED CHARGES WITH EFFECT FROM 15.02.2011
1. Change of Nomination Facility and Outside Agencies	Noting Nomination first time: Free Thereafter Rs. 100/- for every change of Nomination
2. Non-Execution of Standing Instruction Due to Insufficient Funds	Rs 75/- per transaction- non-individual (CA& SB) Rs 50/- per transaction- individual other than rural and rural(SB &CA)
3. Reset of Password in IMB	Rs. 10/- per case / instance, for every time changing the password
4.Addtion / Deletion of names	Rs 200/- per case / instance
5. Charges for recording reconstitution of account	Rs 150/- per case / instance in case of non-individuals
6. Copy of the paid cheque	Rs 50/- per instance
7. Transfer of Savings Bank accounts to any of our branches	Only out of pocket expenses to be recovered with a maximum of Rs 50/-

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. 10/- per envelope
b) Regd / Courier	Actual – Minimum Rs. 30/- per envelope
c) Telegram / Fax / Telephone $ $ Only at the request of customer	Actual – Minimum Rs. 50/- per message
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) :: SERVICE TAX 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.