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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

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

3. For Debit Cards Fees / Charges (Service Tax as applicable extra)
Annual fee(p.a) From 2nd Year of issue 100
Additional card (p.a) From 2nd Year of issue 100
Cash withdrawal at Canara Bank ATM Free
Cash withdrawal at other Banks ATM

First five transaction to SB accounts (financial and non-financial put together) per month at Other Banks’ ATMs are exempted from service charges
Rs. 15 for financial transactions & Rs. 5 for Non - financial transactions.
Card replacement Fee Rs. 50
Hotlist/ duplicate card on account of loss of card Rs. 150
Copy of the Charge slip Domestic transaction Rs. 100/- International transaction USD 10 or equivalent
For Cash at Point of Sale (POS)-

Our Debit cards used at our designated Merchants-
Our Debit cards used at other Bank Merchants –
 

Rs. 5
Rs. 6
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. FA flat charge of Rs.20/-per D.D if the DD is taken for educational/examination purpose subject to the DD amount being maximum of Rs.5000/-Irrespective of cash DD. Above Rs.5000/-DD – normal applicable DD charges apply.

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. A flat charge of Rs.20/-per D.D if the DD is taken for educational/examination purpose subject to the DD amount being maximum of Rs.5000/-Irrespective of cash DD. Above Rs.5000/-DD - normal DD charges apply.

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/- 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

Up to and including Rs 100000/-

Above Rs.100000/-



NIL

 Rs.150/-



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

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 Non maintenance of Minimum balance charges
Savings Bank account Rural/Semi Urban –Rs.500 Urban/Metro - Rs. 1000 (for accounts with cheque book facility) Flat charge of Rs.30/- per month (to be collected once in a month on last working day)
Rural/Semi-Urban- Rs.100 Urban/Metro –Rs.500/- (for accounts without cheque book facility).
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.

 

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 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 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
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  
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 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 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. 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. 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
 
 


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 If Debit Entries (excluding Alternate Channels) exceeds 50 per half-year, either by cheques or otherwise, charges at Rs.5/- per Debit subject to Minimum of Rs.10/- to be collected.

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.

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.

SMS Alert Services (w.e.f 01.10.2013)
SMS Charges Rs. 15.00 per quarter
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