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Home >> Service Charges
 
Service Charges
 

SERVICE CHARGES W.E.F 01.06.2013

SERVICE CHARGES FOR OTHER THAN PRIORITY SECTOR ADVANCES

NOTICE TO CUSTOMER- Service Charges for select services revised w.e.f  15.07.2014

NOTICE TO SAVINGS BANK CUSTOMERS- REVISION IN MINIMUM BALANCE & PENAL CHARES FOR NON MAINTENANCE OF MINIMUM BALANCE w.e.f 01.04.2015

RATES AT A QUICK GLANCE – as per RBI format

 

CHARGES

Fee Based Services
1. Lockers
LOCKER SIZE IN INCHES CLASSIFICATION TYPE PRESENT RENTALS PER ANNUM
05x06x21 SMALL A 1250 + ST
05X07X21 SMALL B 1500+ST
05X13X21 MEDIUM C 1900+ST
07X09X21 MEDIUM C 2000+ST
13X07X21 MEDIUM F 2400+ST
06X16X21 MEDIUM E 2800+ST
11X13X21 LARGE F 3000+ST
07X20X21 LARGE G 3700+ST
12X16X21 LARGE H 5000+ST
16X20X21 VERY LARGE L 6300+ST
* The above rates are confined to Branches under Bangalore metro only.
* The rentals vary from place to place, area to area depending upon size of the locker and demand in the area.
* For further details, please contact any of the nearest branches.

2. CANARA CREDIT CARDS .

TARIFF SHEET APPLICABLE AS ON 31-03-2015 (Service Tax as applicable extra).

Enrolment fee
Canara Credit Card - corporate (Main card) 250
Canara Credit Card - Classic/Standard NIL
Canara Credit Card Gold NIL
Canara Secured Credit Card (Limit: 75% of the Deposit Amount) NIL
Canara World Card (one-time) Rs.2000/-
Annual Fee
Canara Credit Card - Corporate (Only for Add on cards): Rs. 400/-
Canara Credit Card - Classic/Standard (Main & Add on): NIL
Canara Credit Card - Gold (Main & Add on) : NIL
Canara Secured Credit Card NIL
Canara World Card NIL
Card Inactivity Fee
Canara Credit Card - Corporate (Main & Add on): NIL
Canara Credit Card - Classic/Standard- Main card Applicable only if the card turnover during the card year is less than Rs. 12000/- Rs.400/-
Canara Credit Card - Classic/Standard- Add on cards: Applicable only if the card turnover during the card year is less than Rs. 12000/- Rs.300/-
Canara Credit Card - Gold (Main & Add on) –: Applicable only if the card turnover during the card year is less than Rs. 25000/- Rs. 750/-
Canara Secured Credit Card: Applicable only if the card turnover during the card year is less than Rs. 12000/- Rs.300/-
Canara World Card (Main & Add on): Applicable only if the card turnover during the card year is less than Rs. 50000/- Rs.1000/-
EMV Card Issuance Fee – Payable for every issuance, irrespective of the fact whether the card is issued as replacement or renewal unless the replacement is attributed to card malfunction. Rs.250/-
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: 2.5% p.m. (30% p.a.) From the due date
Canara Secured Credit Card: 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: 2% p.m. (24% p.a.) From the due date
Minimum repayment on Revolving Credit: 5% of the billed amount, subject to a minimum of Rs. 100
Mark up in case of Transaction in foreign currency ( Applicable to cards enabled for Global Usage ) Up to 3%
Duplicate Statement: Rs. 10 per page
Cheque dishonor charges or unsuccessful payment instructions: Rs. 50
Card year is the 12 months period from the month of issue of the card viz., if the card is issued in May 2014, then card year is "May 2014 to April 2015".
Cash Withdrawal Charges (against credit card account)
Transaction fee for cash withdrawal against your Credit account at our ATMs and branches 3% of the transaction amount subject to a minimum of Rs. 30/- for every Rs. 1000 or part thereof.
*Use of other Bank ATMs attracts extra charges levied by the respective banks.
General:
Hotlisting 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 overdues 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/-

3. CANARA DEBIT CARDS.

TARIFF SHEET APPLICABLE AS ON 31-03-2015 (Service Tax as applicable extra).

Enrolment Fee NIL
Activation/Membership Fee NIL
Annual Fee Rs.100/-
EMV Chip Card – Issuance Fee Rs.250/-
Hotlist / duplicate card on account of loss of card Rs.150/-
Replacement Card Rs.50/-
Transaction charges at Canara Bank ATM Nil
Where the total number of financial & non-financial transactions at other Bank ATMs exceed 5* 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, Kolkotta, Mumbai & Hyderabad)
For non financial transaction, charges :
Financial transaction, charges:
For Current a/c and Overdraft/OCC accounts, charges applicable for all transactions, as above.

Rs 5/-
Rs 15/-
Charges for request for copy of charge slips: For transaction at our Merchant Establishments

For transactions at other Bank Merchants
For transactions abroad
 

Rs.100
Actual cost, Minimum Rs.100
Actual Cost
Charges for SMS Alerts per quarter  

Rs.15/-
Platinum Debit card inactivity fee  

Business Debit card inactivity fee  

Schedule of fee for Canara International Prepaid Travel Card.

Fee Type USD EURO GBP
Initial Sale fee Rs 200+ applicable taxes
Reload Fee Rs 50/- + Taxes
Encashment charges Rs 100 + Taxes
Re-issue/Renewal NIL
International MasterCard ATMs
Cash withdrawal USD 1.75 EURO 1.50 GBP 1.25
Monthly inactivity fee( if the card is not used for 12 months) USD1.50 EURO 1.00 GBP 1.00
Shortfall fee * USD 15 EURO 12.50 GBP 10
Cash over the counter fee( cash withdrawal at Bank counters )l USD 7.50 EURO 6.00 GBP 4
Balance Enquiry USD 0.50 EURO 0.50 GBP 0.50
Miscellaneous Requests
Replacement Card fee NIL NIL NIL
Statement Request NIL NIL NIL
New ATM PIN NIL NIL NIL
Charge Slip Retrieval USD 3 EURO 2.50 GBP 1.50
Charge Back fee( Only for unsuccessful charge backs) USD 2 EURO 2 GBP 2
Currency Conversion
Sale/Reload and Refund As per Bank’s Card rate( Sale/Reload @ card rate for International prepaid travel card and Refund @ Banks Card rate for normal forex transactions
Cross Currency Usage MasterCard cross currency rate plus 3% mark up

Schedule of fee for Canara Gift card .

Gift Card Issue & refund fee:
Fee Type Fee (applicable taxes extra)
For Card Denominations of Rs.500 & Rs.1000 Rs. 25.00
For Card Denominations of Rs.2000 & Rs.5000 Rs. 100.00
Refund request for the balance in the card account Rs. 150.00
DEMAND DRAFT / TT/ PAY ORDER / LOCAL DD / BANKERS' CHEQUE
4.    a)    Drafts/TT Issue   -   OUTSTATION
Amount ranging
From - To
OTHER THAN INDIVIDUAL
INDIVIDUALS
OTHER THAN RURAL
RURAL
Upto and inclusive of Rs. 1000/-
Rs. 40/-
Rs. 30/-
Rs. 25/-
Above Rs.1000/- upto Rs. 10000/-
Rs. 50/-
Rs. 40/-
Rs. 35/-
Above Rs. 10000/-
Rs. 4.00/- per Rs. 1000/- or part thereof minimum of Rs. 50/- Maximum Rs. 12000/- per DD
Rs. 3.50/- per Rs. 1000/- or part thereof minimum of Rs. 40/- Maximum Rs. 12000/- per DD
Rs. 3.50/- per Rs. 1000/- or part thereof minimum of Rs. 40/- Maximum Rs. 10000/- per DD

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.

4. b) LOCAL DEMAND DRAFT / PAY ORDER / BANKER’S CHEQUE ISSUE :
Amount ranging
From - To
OTHER THAN INDIVIDUAL INDIVIDUALS
OTHER THAN RURAL RURAL
Upto and inclusive of Rs. 1000/-
Rs. 40/-
Rs. 30/-
Rs. 25/-
Above Rs.1000/- upto Rs. 10000/-
Rs. 50/-
Rs. 40/-
Rs. 35/-
Above Rs. 10000/-
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


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.

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) DEMAND DRAFT / PAY ORDER / BANKER’S CHEQUE CANCELLATION /REVALIDATION/DUPLICATE ISSUANCE.
Amount ranging
From - To
OTHER THAN INDIVIDUAL INDIVIDUALS
OTHER THAN RURAL RURAL
Cancelation/Revalidation/Duplicate issuance of DDs.  Rs. 100/- per DD Rs. 100/- per DD Rs. 100/- per DD

Note : For cancellation of DD instruments less than Rs.500/-- Rs.20/- per instrument.

CHEQUE COLLECTION
5. 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)
Amount ranging
From - To
OTHER THAN INDIVIDUAL INDIVIDUALS
OTHER THAN RURAL RURAL
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/- and above 
Rs. 150/- per instrument

NOTE :  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.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 – Concession No concession If value of instrument is up to Rs. 500/-, No charges. Only OPE + Postage For instruments above Rs. 500/- Normal Collection charges If value of instrument is up to Rs. 500/-, No charges. Only OPE + Postage For instruments above Rs. 500/- Normal Collection charges

c) Service charges for Speed Clearing



NIL



6. NEFT Money transfer Inward = NIL Outward :
Upto Rs 10000/- : Re 2.50 per transaction
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 BLOCK TRANSACTION TIME Transaction value Above Rs.2 lakhs upto Rs.5 lakhs Transaction Value Above Rs.5 lakhs
 FROM TO
1 09.00 hours 12.00 hours Rs.25.00  Rs.50.00
2 After 12.00 hours 15.30 hours Rs.26.00  Rs.51.00
3 After 15.30 hours   Rs.30.00  Rs.55.00
SFMS (IFN 100) Inward = NIL Outward Rs 1/- per Rs 1000/- or part there of subject to a minimum of Rs 20/- 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.150/- per cheque / instrument Rs. 150/- per cheque / instrument Rs. 150/- per cheque / instrument Rs.250/- per
 cheque
 / instrument
Rs. 250/- per cheque /instrument Rs. 250/- per cheque / instrument
For Current, OD / OCC Accounts Rs. 200/- per cheque / instrument Rs. 200/- per cheque / instrument Rs. 200/- per cheque / instrument Upto Rs.1 lac Rs.250/- Rs.250/- Rs.250/-
Rs. 1 lac and above Rs.300/- Rs.300/- Rs.300/-
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.100001 & 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.100001 & 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
ECS (DEBIT RETURN) Charges as applicable to cheque return charges for different categories
ISSUE OF CHEQUES BOOKS
9. Cheque Book Issue : SB / CA / OD / OCC Accounts
Particulars OTHER THAN INDIVIDUAL INDIVIDUALS
OTHER THAN RURAL RURAL
Issuance of MICR/CTS Cheque Book Rs. 3.00 per cheque leaf Rs. 3.00 per cheque leaf Rs. 2.50 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.

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
No charges for Government Sponsored Schemes.

SAVINGS BANK ACCOUNTS

11 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) CANARA NSIGSE (National Scheme of Incentive to Girls for Secondary Education) SAVINGS BANK DEPOSITACCOUNT


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. 20/- +
applicable Service Tax
Rs. 499/- to Rs. 350/- Rs. 20/- +
applicable Service Tax
Rs. 699/- to Rs. 400/- Rs. 30/- +
applicable Service Tax
Rs. 349/- to Rs. 200/- Rs. 30/- +
applicable Service Tax
Rs. 399/- and below Rs. 40/- +
applicable Service Tax
Rs. 199/- and below Rs. 40/- +
applicable Service Tax
Current Account Rural/Semi-Urban- Rs.1000/-
Urban/Metro –Rs.5000/-
Rs.60/- per day.
Max: Rs.300/- 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.

 

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

i ) In-operative SB Accounts

a. If balance in the account is above the applicable minimum.

b. If balance is below applicable minimum,

(for inoperative accounts other than unclaimed deposits)

 

a. No Charge

b. Rs. 150/- per Quarter or available balance whichever is lower.

ii ) In-operative Current Accounts  

a. If balance in the account is above the applicable minimum.

b. If balance is below applicable minimum,

(for inoperative accounts other than unclaimed deposits)

 

a. No Charge

b. Rs. 500/- per Quarter or available balance whichever is lower.

 

Note : Service charges for in-operative SB/Current accounts to be collected on QUARTERLY basis are in addition to the charges for non-maintenance of minimum balance (to be levied monthly) For SB a/c- Senior Citizens (60 years and above), and Basic Savings Account the above charges are waived.

 

13. 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. 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.

 

14. 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.
15. 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 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
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
16. 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 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.
17. Issue of duplicate Deposit Receipt Rs. 50/- per receipt
18. Issue of Call Deposit Receipt Rs. 100/-per receipt

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

Signature Verification Including attestation of customers signature/photos /issue of Certificate for Passport purpose

  Rs.100/- per attestation / case
20. 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/-.
21. 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)  
22. 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
 
23.Change in authorised signatories of companies (CA/OD/OCC) including clubs, Co-operative Societies.   Rs. 200/- per occasion  
24.Loss of Token  
Rural branches Rs. 30/- per token  
Other branches Rs. 60/- per token  
25.Registering Power of Attorney/Operations by power of Attorney/Mandate (For all accounts)  
SB/CA/OD/OCC Rs. 100/- p.a.  
26. 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  

27.     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.  

28.     Loss of locker key

Rs. 200/- (in addition to actual break open charges).  

29.     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.

 

30.     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 / E-STATEMENT /  BALANCE CERTIFICATE / INTEREST CERTIFICATE
  A) 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
         
  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 extra Copy : Rs. 100/- per certificate 1st Certificate : Free extra Copy : Rs. 60/- per certificate 1st Certificate : Free extra Copy : Rs. 40/- per certificate
 
3. 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
 
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. 150/- per cheque. (Maximum Rs. 500 per occasion) Rs. 100/- per cheque. (Maximum Rs. 400 per occasion) Rs. 100/- per cheque. (Maximum Rs. 300 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 (for all accounts) Rs. 40/- flat Rs. 30/- flat Rs. 20/- flat
 
5. ENQUIRY OF 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 :
SB / CA / OD (All type of Accounts)   Rs. 100/- per entry. Rs. 100/- per entry. Rs. 100/- per entry.
c) Entries Beyond 1 yr :
SB / CA / OD (All type of Accounts)   Rs. 200/- per entry. Rs. 200/- per entry. Rs. 200/- 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 - Rs. 200/- per account Rs. 200/- per account Rs. 200/- per account
b) Current Accounts Rs. 750/- per account Rs. 750/- per account Rs. 750/- per account
*No Charges for closure of A/C within 14 days of opening.

RECURRING DEPOSIT

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

Rs.100/- Per RD Account Rs.100/- Per RD Account Rs.100/- Per RD Account
Exemptions :::: 1) Transfer from branch to branch. 2) Opening another account in joint names. 3) Death of the account holder Sentence is earlier below the RECURRING DEPOSIT line, now brought above RECURRING DEPOSIT line
 
 


TARIFF STRUCTURE FOR CBS CHARGES. (revised charges w.e.f 01.08.2013)-Inter SOL

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


Type of Transaction Revised charges for CBS branches

a) Remittance of Cash SB Accounts No Charges
b) Cash Withdrawal SB Accounts/ CA / OD / OCC Accounts No Charges
c) Funds transfer Free
d) Clearing Free
e) Issue of DDs Normal DD charges


ii) INTERCITY TRANSACTIONS : (Outstation Branches)

Type of Transaction Charges for CBS branches

a) Remittance of Cash
SB Accounts No Charges
b) Cash withdrawal SB Accounts/CA /OD /OCC
Accounts
No Charges


c) Funds Transfer For all types ofaccounts (SB / CA / OD / OCC A/cs ) Free
d) Deposit of cheques at drawee centers No Charges (as applicable to local clearing). w.e.f 17.09.2013.
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 and non base branch.
  • 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 50 Debit Entries free per half year.if Debit entries (excluding Alternate Channels) exceeds 50 per half-year, either by cheques or otherwise, charges at Rs.10/- per Debit.

9.SERVICE CHARGES FOR CERTAIN SERVICES

PARTICULARS REVISED CHARGES WITH EFFECT
FROM 15.02.2011
1. Change of Nomination Facility 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 25/- 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/-
8. Copy of loan paper / documents Rs. 10/- per page with a minimum of Rs. 100/- in addition to OPE charges if any.

10. 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.

RETAIL LOAN

LOAN PROCESSING CHARGES
Sl/No  SCHEMES ProcessingCharges 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
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.