Canara Bank Revised Service Charges with effect from 03/02/2023

Service Charges for various Banking services related to Non-Credit / Non-Forex items have been revised by Canara Bank in tune to the Cost of Service and Industry trend.

Sign Used: < (Below), > (Above), ≤ (Below and Up to), ≥ (Up to and above)

PART-A: CBS SERVICES

1. Intercity Transactions (Outstation Branches)

OSC Amount – Charges per Instrument

≤ ₹5,000 – ₹ 25/- for SB account, ₹ 50/- for other than SB account
≤ ₹ 10,000 – ₹ 50/-
≤ ₹ 1,00,000 – ₹ 100/-
> ₹ 1,00,000 – ₹ 150/-

Note: The above service charges are per instrument fixed tariffs and all-inclusive charges applicable to both individual and other than individual customers irrespective of the population group.

2. Cash Handling Charges

SB Account

Up to ₹50000/-

• 3 Transactions free in a month.
• 4th transaction onwards: ₹1 per thousand or part thereof with a minimum of ₹50 and maximum of ₹5000/- per transaction.

Above ₹50000/-

• ₹1 per thousand or part thereof with a minimum of ₹50/- and maximum ₹5000/- per transaction.

CA/OD/OCC

• Per Day remittance up to ₹ 1,00,000 – FREE
• For cash deposits above ₹1,00,000/- cash handling charges at ₹ 2/- per ₹1,000/- or part thereof; With a minimum of ₹ 100/- and a maximum of ₹5000/- per transaction.
• The charges are uniformly applicable to all Branches. If a customer makes two or more remittances of cash in a day, cash handling charges shall be debited during EOD.

A) Cash Remittance of Small Denominations (₹50 and below)

(Applicable to SB/CA/OD/CC)

• Up to 1000 pieces / 10 packets – No service charges
• Beyond 1000 pieces / 10 packets – ₹10/- per packet or part thereof – Minimum ₹10/-, Maximum of ₹10000/-

Note: This is in addition to normal Cash handling Charges

B) Cash remitted at Cash Deposit Machine/ Kiosks/ Alternative Channels

• Regular cash handling charges shall be applied to SB and CA/ OD/ OCC Account as applicable.
• Cash remittance made at home and non- home Branches, Cash Deposit machines, Kiosks (even if remitted on previous holidays) would be clubbed together to arrive at the free entitlement and levy suitable service charges as above.

3. Cash Withdrawal at Branches

SB Account

• Up to 5 Cash Withdrawals in a month – No service charges.
• Beyond 5 Withdrawals in a month – ₹100/- per transaction.

CA/OD/OCC Accounts

• Up to Withdrawal of ₹5,00,000/- in a month – No Charges.
• Beyond ₹5,00,000 – ₹1/- per ₹1000, with a minimum of ₹100/- and maximum of ₹10,000/-

Note: The above-mentioned Cash Withdrawal Service Charges are excluding withdrawal from ATM or other Alternate Banking Channel.

4. RTGS

Inward: Free

Outward: Service charges as per RBI guidelines,

₹2 Lakhs to ₹ 5 Lakhs	₹ 24.50
Above ₹5 lakhs	₹ 49.50

5. NEFT

Inward: Free

Outward:

≤₹10,000	₹ 2.25
≤ ₹1 Lakh	₹ 4.75
≤ ₹2 Lakhs	₹ 14.75
₹2 Lakhs	₹ 24.75

• Against Cash only up to ₹50,000 – Normal service charges
• For SB customers if NEFT transaction initiated through online channel (viz. Internet Banking and/or Mobile apps of the Bank) – No Service Charges

6. National Automated Clearing House (NACH) Mandate Registration Charges

One Time Mandate Registration Charges – ₹ 150/-

7. ECS – Credit/Debit

NIL

8. Funds Transfer through Internet and Mobile Banking Services (IMPS transfer)

For SB/CA/OD/OCC

< ₹ 1,000	NIL
< ₹ 10,000	₹ 3/-
< ₹ 25,000	₹ 5/-
< ₹ 1,00,000	₹ 8/-
< ₹ 2,00,000	₹ 15/-
< ₹ 5,00,000	₹ 20/-

Exemptions: Jan Dhan Accounts, BSBD Accounts and other Financial Inclusion Accounts.

9. Postal Tariff/Out of Pocket Expenses

Postal Tariff to be collected per envelope/message in all cases wherever applicable as below:

• Ordinary Post – Actual- Minimum ₹15/-
• Regd./Courier/Speed Post – Actual- Minimum ₹50/-
• Fax/Telephone (Only at the request of customer) – Actual- Minimum ₹50/-

Note:

• Postage / Out of Pocket Expenses are in addition to service charges applicable.
• If two or more instruments favoring 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.
• If a single instrument is collected and credited to number of accounts actual/minimum postage may be shared amongst beneficiaries subject to minimum of ₹ 1/- per credit/customer.

PART-B: BASIC BANKING SERVICES

1. Cheque Book Facility

For Savings account

• First 25 leaves free per year.
• Beyond that – ₹ 4 per cheque leaf

For CA/OD/OCC

• ₹ 5 per cheque leaf

Free for Senior citizens

2. Issue of Passbook/ E-Statement / Statement / Balance Certificate / Interest Certificate 

Issue of Passbook / Statement/ E- Statement

• SB – First set free of charges in a month, PDF: No Service Charges
• CA/OD/OCC – First set free of charges in a month.   

Issue of Balance Certificates

• Individual: Rural – ₹40/-, non-Rural – ₹60/-
• Non-Individual: ₹100/-

Issue of Interest Certificates (Interest paid/ Interest collected Certificates)

For all category: First copy free

Extra copy:

• Individual: Rural – ₹ 50/-, non-Rural – ₹ 75/-
• Non-Individual: ₹150/-

3. Issue of Duplicate Passbook or Statement/ Pass Sheet

For All Categories

• With Latest Balance – ₹100/-
• With previous entries – ₹50/- per page

[Note: 40 entries or part thereof is treated as one page/sheet]

4. Stop Payment: (Stop Payment instructions / Revocation of Stop Payment)

Charges		Per Cheque		Max Per Occasion
		SB	CA/OD	SB	CA/OD
Indi.	Rural	100/-	100/-	500/-	500/-
	Non-Rural	150/-	100/-	750/-	500/-
Non -Individuals		250/-	200/-	1000/-	600/-

Revocation of Stop Payment (for all categories)

• Savings – ₹ 50/- per revocation
• CA/OD/OCC – ₹100/- per revocation

5. Enquiry of Old Records (SB/CA/OD/CC) for all categories

• ≤ 6 months – Free of charge
• ≤ 1 Year – ₹ 100/- per request
• > 1 Year – ₹ 250/- per request

6. Account Closure: (Closure of SB/CA/RD)

< 14 days	< 1 Year		> 1 Year
No Charges	SB	CA	SB	CA
	250/-	750/-	100/-	375/-

Recurring Deposit (RD)

Premature closure of RD account within one year of its opening: ₹100 per RD account (For all categories)

Exceptions:

• BSBD Account
• Opening of account in Joint Names
• Death of the account holder
• Transfer from Branch to Branch

7. Cheque Return- Inward, Outward, Local & Outstation

• If returned on technical reasons: No Charges
• Not at Customers Fault: No charges

SB/CA/OD/OCC

Cheque/Bill/Inst. Amt	Charges
< 1,000 ₹	₹ 200/-
< 10 Lakhs	₹ 300/-
< 50 Lakhs	₹ 500/-
< 1 Cr	₹ 1,000/-
≥ 1 Cr	₹ 2,000/-
GST Not Applicable

In addition to the above, Interest at rate applicable for clean advances will be collected for the period Bank was out of Funds (Funds Outlay for the Bank).

8. ECS (Debit Return)

< 1,000 ₹	₹ 300/-
< 5,000	₹ 400/-
< 10,000	₹ 450/-
< 1 Lakhs	₹ 475/-
< 50 Lakhs	₹ 500/-
< 1 Cr	₹ 1000/-
≥ 1 Cr	₹ 2000/-
GST Not Applicable

9. Bills Collection Charges (Outward / Inward Collection of Clean, Documentary, Demand/ Usance including Supply Bills)

• ≤ ₹10,000 – ₹100/-
• < ₹10 Lakhs – ₹ 8/- per ₹1,000/- or part thereof with a minimum of ₹100/-
• > ₹10 Lakhs – ₹ 8/- per ₹1,000/- or part thereof with a minimum of ₹8,000/-, maximum of ₹15,000/-

Instant Credit up to ₹15,000 – ₹10/- per Cheque

Retirement of Bills against tender of Cash – ₹300/- per bill in addition to normal charges

Bills returned unpaid charges:

50% of applicable collection charges (as given above) with a minimum of ₹100 + postage

10. Signature / Photo Verification / Certificate for Passport purpose

₹ 150 per attestation / certificate / verification

11. Demand Drafts / TTs Issue – Outstation &

12. Local Demand Draft / Pay Order / Banker’s Cheque Issue

Amount	Person	Rural	Non-Rural
≤ ₹1000/-	Ind	₹25/-	₹30/-
	non-Ind	₹40/-
≤ ₹10,000/-	Ind	₹35/-	₹40/-
	non-Ind	₹50/-
> ₹10,000/-	Ind	₹3.50 per Thousand Min: ₹40 Max: 10,000	₹3.50 per Thousand Min: ₹40 Max: 12,000
	non-Ind	₹4 per thousand Min: ₹50 Max: 12,000
Ind = Individual, non-Ind = non-Individual

Note:

• For multiple DDs issued in lieu of single DD, commission as applicable for the aggregate amount shall be collected.
• Charges for funds transferred by student account holders to Educational Institutions / Colleges by way of RTGS & NEFT and/ or issue of DDs in favour of such Institutions / Colleges are waived.

13. Issue of DD / TT / PO / BC against tender of Cash (both for Local / Outstation), Retirement of Bills against tender of Cash

(Applicable for all Branches Rural / Other than Rural and Individuals / Non-Individuals)

Issue of DD / TT / PO / BC against tender of Cash

• Up to ₹1,000 – No additional service charges.
• Above ₹1,000 – Additional service charges at 50% Extra on applicable charges

Retirement of Bills against tender of Cash

Additional service charges of ₹300/- flat per Bill shall be collected in addition to Bills collections charges.

14. Demand Draft / Pay Order / Banker’s Cheque Cancellation / Revalidation / Duplicate Issuance

Cancellation/ Revalidation

• Up to ₹ 10 Lakhs – ₹ 100/- per instrument
• Above ₹ 10 Lakhs – ₹1000/- per instrument

Issue of duplicate DD

• Up to ₹ 5 Lakhs – ₹ 100/- per instrument.
• Above ₹ 5 Lakhs – ₹1000/- per instrument.

15. No due Certificate

• Individual: Rural – ₹ 50/-, non-Rural – ₹ 100/- per certificate
• Non-Individual – ₹ 150/- per certificate
• Agriculture and Priority Sector – ₹ 10/-
• Self Help Group – ₹ 10/- each Member

Exceptions: Government Sponsored Schemes

16. Outward / Inward Collection of Cheques / Instruments

A) Collection of Outstation Cheques and Instruments

Such as Demand Drafts, Dividend/ Interests Warrants, Refund Orders, Income Tax refund orders etc. (Other than Bills)

Amount – Charges per Instrument
≤ ₹5,000 – ₹ 25/- for Savings Bank Account, ₹ 50/- for others
≤ ₹10,000 – ₹ 50/-
≤ ₹1 Lakh – ₹100/-
≤ ₹10 Lakhs – ₹200/-
> ₹10 Lakhs – ₹250/-

B) Collection of Dividend / Interest Warrants / Refund Orders for Individuals – concessions

Individual (Rural & Non-Rural)

• Up to ₹500 – No Service Charges, Only OPE + Postage.
• Above ₹500 – Normal collection charges

Non-Individual: Normal Service Charges – No concessions

17. SMS Alert Charges

Levied Quarterly on actual basis for Customer Induced Transaction only.

• Domestic SMS – ₹0.22 per SMS
• International SMS – ₹1.20 per SMS

Exemptions: PMJDY, BSBD and other Financial Inclusion Accounts

18. Address Confirmation or Address attestation

When Customer walks into any Branch to get address attested for any purpose.

For SB/CA/OD/OCC – ₹50/- per instance.

19. Request for Change of Mobile Number/ E-mail / Address

• For SB/CA/OD/OCC – NIL – At the time of Account opening / First time (legacy account)
• Further change: ₹50/- per instance

20. Request for modifying operating instructions.

Change of account operating instruction – EoS, jointly by all.

• SB – ₹100/- per instance.
• CA/OD/OCC – ₹250/- per instance.

21. Any deliverable returned to Branches

SB/CA/OD/OCC – ₹100/- per return mail

By courier/mail due to negative response (no such consignee/ consignee shifted to different address).

For instance: Cheque Books, Debit Card, Credit Card or Bank notice returned back to Branch.

22. Issuance of withdrawal slips

for those account holders who hold Cheque Book with them,

₹50/- per instance

PART-C: OTHER THAN BASIC BANKING SERVICES

1. Average Minimum Balance (AMB)

Area	Minimum Balance
	Saving A/c	Current A/c
Rural	₹ 500/-	₹ 1000/-
Semi Urban	₹ 1000/-	₹ 2000/-
Urban	₹ 2000/-	₹ 5000/-
Metro		₹ 7500/-

Note: Minimum Balance for BSBD, NSIGSE, PMJDY, Staff, CNA, Capital Gain Pensioners, Canara Small Savings Bank, Senior Citizen, Non-Resident, Jeevan Dhara, SB Power Plus, Pay Roll, GenY, SB Defence and Canara Champ and CAN account are as per product features.

2. Non-Maintenance of Average Monthly Minimum Balance

Saving Account

Metro/Urban	Semi-Urban	Rural	Charge
< 1,000 ₹	< 400 ₹	< 200 ₹	₹ 45/-
< 1,500 ₹	< 700 ₹	< 350 ₹	₹ 35/-
< 2,000 ₹	< 1,000 ₹	< 500 ₹	₹ 25/-

Current Account

₹60/Day, Maximum: ₹500/Month (Applicable for all Branches)

Mode of calculation of Minimum Balance:

• Charges for Non-Maintenance of Minimum Balance on any day/any number of days during the month.

3. Safe Custody charges/ Safe Custody Articles

• Sealed Cover/ Packet – Minimum ₹750/- per cover p.a., or its multiples.
• Scrips – ₹50/- per scrip with a minimum of ₹ 300/- p.a. or part thereof
• Sealed Box:
  • 10x10x10cc – Minimum ₹ 750/- p.a. or its multiples
  • 20x20x20cc – Minimum ₹1500/- p.a. or its multiples
  • 30x30x30cc – Minimum ₹2000/- p.a. or its multiples

Note: The above service charges are only indicative. Depending upon the size of the Box/ Cover/ Packet, Branch can charge higher charges in consultation with Circle Office.

4. Standing Instruction Charges (SB/CA/OD/OCC)

• Registration of SI – ₹100/- per Standing Instruction registration.
• Transfer of funds as per SI:
  • Within same Branch – ₹ 35/- for every debit.
  • Other Branches / Outside Agencies – ₹ 40/- for every debit + actual remittance charges + OPE.

Exemptions:

• Guardian Account to Minor Account.
• Between Accounts of Parents and Children.
• Between Accounts of Spouses.
• From Co-Obligate Account to Borrower Account.
• Standing Instruction to Loan / RD/ Deposit Accounts of self.

5. Ledger Folio Charges

• 40 entries or part thereof shall be treated as one page.
• ₹125/- per ledger page shall be collected on quarterly basis (Jun/Sep/Dec/Mar) in case of CA/OD/OCC/PL/KCC/KCCS (i.e., all credit limits other than single transaction limits and Bills / Cheque limits).

Number of free folios per Quarter

In case of operative CA/OD/CC/PL/KCC/ KCCS Accounts:

Amount	Number of Free Folios
< ₹25000/-	No free folios
> ₹25,000/-	2 free folios
> ₹50,000/-	4 free folios
> ₹1,00,00/-	7 free folios
> ₹2,00,000/-	10 free folios
> ₹5,00,000/-	No charges

After inception of BHIM UPI, the transactions of small tickets are increasing exponentially and hence the charges levied on customers are high. Keeping in view of the above and to encourage the digital transaction, BHIM-UPI based transactions will be excluded while levying ledger folio charges Cir 229/2021 dated 09/04/2021.

6. Issue of duplicate Deposit Receipt

₹ 100/- per instance/receipt

7. Issue of Call Deposit Receipt

₹ 500/- per instance.

8. Delay clearance of Parcels / Post Parcels received under ISC / IBC.

(Applicable both for Individuals and other Customers)

For parcels not cleared on presentation, a charge of ₹5/- per day should be levied from the due date of payment till clearance / payment. The minimum charge per parcel is ₹20/-

9. Instruments Directly received by Post in unsolicited sent by Organizations or Institutions

(To be collected from beneficiary if no arrangement with the sender Company)

₹ 20/- per credit or instrument

10. Deletion of name of deceased customer merger of Companies

change in the name of Companies etc (including reconstitution of accounts)

• Individuals: No Service Charges
• Non- Individuals: ₹150/- per occasion
• Exemptions: Staff / Ex-Staff / Death of Customer

11. Change in authorized signatories of Companies

(CA/OD/OCC) including clubs, Co-Operative Societies

₹250/- per instance for all categories

12. Loss of Token

Per token, Rural – ₹30/-, Other Branches – ₹60/-

13. Holding Bills for collection for every quarter beyond 3 months after due date

(At the request of Drawer/Customer and subject to other applicable conditions)

Additional 25% of normal collection charges. Minimum ₹ 100/- per quarter.

14. Change of original instructions in respect of Outward/ Inward Bills

for collection such as extension of time, waiver of C form etc.

₹ 100/- per request plus Out of Pocket expenses.

15. Loss of Locker key

• ₹ 1000/- in addition to actual cost of break open and replacement of lock and keys.
• For staff /Ex staff- Only break open charges

16. Locker Operations

A) Locker Registration charges (One Time)

₹ 400/-, Exemption: Staff / Ex-staff

B) Locker Rent (per Financial Year)

Size	Metro	Urban/SU	Rural
Small	₹   2,000/-	₹   1,500/-	₹   1,000/-
Medium	₹   4,000/-	₹   3,000/-	₹   2,000/-
Large	₹   7,000/-	₹   6,000/-	₹   4,000/-
Very Large	₹ 10,000/-	₹   8,000/-	₹   6,000/-

• Staff / Ex- staff – 25 % concession on locker rent
• Synd Supreme / Canara Power Plus account holders – 25 % concession on Small / Medium sized lockers only

C) Locker Security Deposit

Size	Metro	Urban/SU	Rural
Small	₹ 12,000/-	₹ 10,000/-	₹   8,000/-
Medium	₹ 15,000/-	₹ 14,000/-	₹ 10,000/-
Large	₹ 20,000/-	₹ 20,000/-	₹ 15,000/-
Very Large	₹ 25,000/-	₹ 25,000/-	₹ 20,000/-

D) Insta Locker

(Renting for shorter period of 1 day to 60 days)

Locker Deposit – ₹5000/- for All Branches

Size	Days	Metro	Urban/SU	Rural
Small	01-03	₹ 500/-	₹ 500/-	₹ 500/-
	04-15	₹ 700/-	₹ 600/-	₹ 500/-
	16-30	₹ 1000/-	₹ 700/-	₹ 600/-
	31-60	₹ 1200/-	₹ 800/-	₹ 700/-
Medium	01-03	₹ 600/-	₹ 600/-	₹ 600/-
	04-15	₹ 1000/-	₹ 700/-	₹ 600/-
	16-30	₹ 1500/-	₹ 1000/-	₹ 900/-
	31-60	₹ 1700/-	₹ 1200/-	₹ 1100/-

E) Locker operation

• Up to 12 operations per annum – No service charges
• Beyond 12 operations – ₹ 100/- per operation

F) Penal Charges on delayed remittance of Locker rentals

Period of Delay	Penal charges to be collected in addition to actual rentals
Up to and inclusive of one Quarter	10% of applicable annual rental
Two Quarters	25%
Three Quarters	40%
Four Quarters	50%
One year and above	100%

Note: Fraction of a quarter is to be treated as a full quarter of delay. First quarter delay will be reckoned from 16th April onwards and thereafter 1st of every calendar quarter (1st July, 1st Oct and 1st Jan respectively for 2nd, 3rd and 4th Quarters and 1st April for one year and above)

17. Excess Number of Withdrawals / Additional Debit entries in SB Account

• 50 debit entries free per half year excluding Alternate Channel debits.
• Beyond 50 Debit Entries (excluding Alternate Channels) per half-year either by cheques or otherwise: ₹10/- per Debit.

18. Change of Nomination Facility

• Noting nomination for the first time – Free
• Change of Nomination – ₹100/- per instance

19. Addition/Deletion of Names

₹100 per case/instance

• No service charges for online
• Not applicable for deletion of name on account of death of customer in Joint Account.

20. Charges for recording reconstitution of Account

₹150/- per case/instance in case of Non-Individuals

21. Copy of original of Cheque/ DD (paid by Bank)

₹ 50/- per Cheque/Instrument with Minimum of ₹100/-

22. Transfer of CASA accounts to any of our Branches

Flat ₹ 50/- plus Out of Pocket Expenses (OPE) for both SB & Current Accounts

23. Facilities/Concessions in Service Charges for certain category of Customers

• Collection of Instruments for Accounts of specially abled person: For instruments up to ₹ 10,000 – No Service charges
• Collection service charges for scholarships amount payable to SC/ST Students – Waived

24. Registering Power of Attorney / Operations by Power of Attorney / Mandate

• Savings Bank Account – ₹ 500/- p.a.
• CA/ OD/ OCC – ₹ 700/- p.a.

25. Noting of Loss of Cheque Book/leaf – All Accounts

₹ 5/- per Leaf with a Minimum

26. Transfer of entire balance in account to another Bank

at the time of A/c Closure & Transfer of Funds, Actual Remittance charges + Out of Pocket Expenses

27. Current Account maintained by another Bank with us:

(Remittance by Banker’s Cheques/ other Instrument)

• Fund transfer among member Banks for meeting adverse clearing positions – No Service Charges.
• Funds transfer for reasons other than clearing Instruments – 0.06% of actual remittance.
• Discounting DD/ Outstation Cheques for meeting clearing adverse or otherwise – Actual discounting charges+ Interest+ OPE as applicable to customers.
• Discounting TTs for raising of funds – As advised by Integrated Treasury Wing
• Remittance by Cash for meeting adverse clearing position or otherwise – 120% additional to actual remittance service charges.

28. Phone Banking Service Charges for sending Statement / Certificate

as per request under physical delivery

Amount	Charges per Instrument
≤ ₹5,000/-	₹ 25/- for SB, ₹ 50/- for others
≤ ₹10,000/-	₹ 50/-
≤ ₹1 Lakh	₹100/-
> ₹1 Lakh	₹150/-

PART-D: CHARGES RELATED TO BSBD ACCOUNT

• 4 withdrawals free per month including drawings through ATM (own Bank/other Bank ATMs)
• Withdrawals exceeding 4 per month would be levied a service charges at the rate not exceeding ₹5+GST per withdrawal. 

The above charge of ₹5/- will not be levied for any type of debit transactions (exceeding the prescribed minimum four free transactions in a month) for transactions where normal charges are collected for services extended such as:

• Cash Withdrawal through channels such as ATM/POS, etc. 
• RTGS/NEFT/Clearing/Transfer/ Internal Debit/EMIs/DD/ Standing Instructions.
• BC transactions.

Exemptions:

1. Electronic Debit card transactions powered by RuPay.
2. Unified Payments Interface (UPI) (BHIM UPI).

Unified Payments Interface Quick Response Code (UPI QR Code) (BHIM UPI QR Code).

IMPORTANT

1. GST is applicable for all the Service Charges (excluding Cheque Return and ECS Debit Return where “GST Not Applicable” is written!).

2. For Individual Pensioners / Senior Citizens, irrespective of population group, service charges as applicable to rural shall apply.

3. For Product Specific Service Charges, refer respective circulars.

4. Staff/ Ex-Staff Accounts are exempted from all the Service Charges enumerated above.

“Compliance First, Business Next”