Karnataka Gramin Bank

Commission and Service Charges

Commission and Service Charges (excluding Credit matters) w.e.f 01.07.2020

S.No. PARTICULARS Other than Individual Individual
Other than Rural Rural
1 CHEQUE BOOK FACILITY
a For SB- Number of free leaves in a calendar year 25 leaves 25 leaves 25 leaves
b For CA- Number of free leaves in a calendar year 25 leaves
c For A/cs opened in CA Plus & SB Plus number of free leaves in a calendar year 60 leaves
d For SB- Cheque book charge 3 leaf 3 leaf 3 leaf
e For CA/OD/CC/OCC- Cheque book charge 4 leaf 4 leaf 3 leaf
2 ISSUE OF STATEMENT / BALANCE CERTIFICATE / INTEREST CERTIFICATE
a SB/CA/OC/CC/OCC – Issue Pass sheet Statement First set free of charges for all categories in a month
b SB- Pass sheet statement- additional set/copies (40 entries is treated as one ledger page) 50/- per ledger page or part thereof with min of 60/- per occasion 50/- per ledger page or part thereof with min of 60/- per occasion 50/- per ledger page or part thereof with min of 60/- per occasion
c CA/OD/CC/OCC- Pass sheet Statement-Additional set/copies (40 entries is treated as one ledger page) 50/- per ledger page or part thereof with min of 60/- per occasion 50/- per ledger page or part thereof with min of 60/- per occasion 50/- per ledger page or part thereof with min of 60/- per occasion
d SB/CA/OD/CC/OCC- Issue of balance certificate 1st Certificate free
e SB/CA/OD/CC/OCC- Issue of balance certificate (Per certificate) 100/- 100/- 100/-
f Interest paid/interest collected certificate 1st Certificate free
g Interest Certificate- Issue of extra copy 150/- per certificate 100/- per certificate 100/- per certificate
h Updation of passbook (entries) at non base branch (New passbook should be issued at base branch only ) 10/- flat per passbook per instance 10/- flat per passbook per instance 10/- flat per passbook per instance
3 ISSUE OF DUPLICATE PASSBOOK
a First Passbook/Continuation of Passbook Free Free Free
b Duplicate passbook with latest balance 60/- 60/- 60/-
c Duplicate passbook with previous entries (40 entries or part thereof is treated as one page/sheet) 60/- & additional 50/- per page for previous entries 60/- & additional 50/- per page for previous entries 60/- & additional 50/- per page for previous entries
4 ISSUE OF DUPLICATE DEPOSIT RECEIPT 100/- per receipt 100/- per receipt 100/- per receipt
5 TRANSFER OF SB A/C TO ANY OF OUR BRANCHES 100/- per A/c 100/- per A/c 100/- per A/c
6 STOP PAYMENT/REVOCATION
a For SB account- Stop payment instruction 100/- per instrument, Maxi. of 400/- per instance 100/- per instrument, Maxi. of 400/- per instance 100/- per instrument, Maxi. of 400/- per instance
b For CA/OD/CC/OCC- Stop payment instruction 100/- per instrument, Maxi. of 400/- per instance 100/- per instrument, Maxi. of 400/- per instance 100/- per instrument, Maxi. of 400/- per instance
c Stop payment Cancellation/Revocation - for all types of accounts 50/- flat 50/- flat 50/- flat
7 COPY OF PAID CHEQUE 100/- per Instance per instrument
8 NOTING OF LOSS OF CHEQUE BOOK/LEAF OF ALL ACCOUNTS(SB/CA/OCC/OD/CC) 5/- per leaf with Minimum of 50/- and Maximum of 500/-
9 NOMINATION FACILITY Registration of nomination first time free thereafter 100/- for every change
10 LEDGER FOLIO CHARGES
a For SB accounts No Folio Charges No Folio Charges No Folio Charges
b Current Accounts 100/- per ledger page per half year 100/- per ledger page per half year 100/- per ledger page per half year
Note: 40 entries or part thereof is treated as one ledger page
S.No. PARTICULARS Other than Individual Individual
Other than Rural Rural
11 NON-MAINTANANCE OF AVERAGE MONTHLY BALANCE (AMB) – SB accounts , NON-MAINTANANCE OF DAILY BALANCE – CA accounts
a No Frill Accounts, MNREGP Accounts, Social Security Pension Accounts, Government Accounts, RGRHCL Accounts, Student Accounts & Basic Savings Bank Accounts No Charges No Charges No Charges
b SB Accounts with cheque book (Minimum balance ₹1000/-)
Balance maintained in the A/c against the stipulated
₹999/- to ₹700/- ₹40/- ₹40/- ₹40/-
₹699/- to ₹400/- ₹60/- ₹60/- ₹60/-
₹399/- and below ₹80/- ₹80/- ₹80/-
SB account without cheque book (Minimum balance ₹500/-)
Balance maintained in the A/c against the stipulated
₹499/- to ₹350/- ₹20/- ₹20/- ₹20/-
₹349/- to ₹200/- ₹30/- ₹30/- ₹30/-
₹199/- and below ₹40/- ₹40/- ₹40/-
c SB Plus (AMB 10,000/-) 100/- flat per month
d Current Accounts Minimum balance 1000/- 50 per day. Maximum 300/- per calendar month
e CA Plus (Minimum balance 10,000/-) 100/- flat per month
S.No. PARTICULARS Other than Individual Individual
Other than Rural Rural
12 BALANCE ENQUIRY OF OLD RECORDS – FOR ALL TYPE OF ACCOUNTS
a Enquiries up to 6 months Free Free Free
b Above 6 months upto 1 year old 100/- per request 100/- per request 100/- per request
c Beyond 1 year 200/- per request 200/- per request 200/- per request
13 ACCOUNT CLOSURE No charges closure before 14 days from the date of opening and in case of death of depositor
a Recurring Deposit (RD) for premature closure of RD account within one year of its opening 100/- per RD account (for all Categories) 100/- per RD account (for all categories) 100/- per RD account (for all categories
b SB account – With Cheque book within one year of its opening 200/- per account 200/- per account 200/- per account
c SB account – Without Cheque book within one year of its opening 100/- per account 100/- per account 100/- per account
d Current account within one year of its opening 500/- per account 500/- per account 500/- per account
e Beyond one year – SB, CA 50% of the above charges. i.e., SB with Cheque book 100/-, SB without Cheque book 50, CA 250/-
Exempted Categories : No Frill Accounts, MNREGP Accounts, Social Security Pension Accounts, Government Accounts RGRHCL Accounts, Student Accounts, Basic Savings Bank Accounts & Death Claim Settlement Accounts
14 SMS CHARGES 20/-per quarter 20/- per quarter 20/- per quarter
15 STANDING INSTRUCTION CHARGES
a Within same Branch One time registration / modification charges 100/ per case and 35/- for every debit. Exempted:
1. Guardian a/c to minor a/c
2. Between account of parents and children
3. Between a/cs of spouses
4. From co-obligant a/c to borrowers a/c
5. To loan/RD/deposit a/cs of self
b To other branches and outside agencies One time registration charges 100/ per case and 40/- for every debit + actual remittance charges
16 STANDING INSTRUCTION – Non-Execution due to insufficient Fund (Charges only one time in a month) 100/- per transaction non individual 75/- per transaction Individual 100/- per transaction non individual 75/- per transaction Individual 100/- per transaction non individual 75/- per transaction Individual
17 NUMBER OF CASH WITHDRAWALS IN CA Free Free Free
18 NUMBER OF CASH WITHDRAWALS IN SB (either by Cheque/ loose leaf) – excluding alternative channels (Financial year shall be considered) If withdrawal exceeds 50 per half year – 10/- per withdrawal subject to min. of 20/- If withdrawal exceeds 50 per half year – 10/- per withdrawal subject to min. of 20/- If withdrawal exceeds 50 per half year – 10/- per withdrawal subject to min. of 20/-
19 SIGNATURE VERIFICATION (including attestation of photo) 200/- per Attestation 200/- per Attestation 200/- per Attestation
20 Issue of certificate for passport Rs 200/- per Attestation 200/- per Attestation 200/- per Attestation
21 ADDITION/DELETION OF NAMES (In case of joint accounts) 100/- per case per instance 100/- per case per instance 100/- per case per instance
22 Re-claiming of Unclaimed Deposits 100/- per Deposit A/c 100/- per Deposit A/c 100/- per Deposit A/c
23 OUTWARD/INWARD COLLECTION OF CHEQUE/INSTRUMENTS (OUTSTATION/LOCAL) (Charges inclusive of commission, postage, out of pocket expenses etc.,)
a Upto 10,000/- 50/-per instrument 50/-per instrument 50/-per instrument
b 10,001/- to 1,00,000/- 100/-per instrument 100/-per instrument 100/-per instrument
c 1,00,001 to 10,00,000/- 200/ per instrument 200/-per instrument 200/-per instrument
d 10,00,001/- and above 250/-per instrument 250/-per instrument 250/-per instrument
Charges collected in full in case instruments sent to our branches and no charges in case instruments received from our branches Commission @ 50% in case sent directly to other public/private/cooperative/RRBs banks
24 COLLECTION OF DIVIDEND/INTEREST WARRANTS/REFUND ORDERS If value of instrument is up to 500/- no charges and above 500/-, normal collection charges shall be collected.
S.No. PARTICULARS Other than Individual Individual
Other than Rural Rural
25 CHEQUE/INSTRUMENTS RETURN CHARGES – LOCAL(Charges inclusive of commission, postage, out of pocket expenses etc.,)
I Inward instruments
a SB ₹150/- per instrument ₹150/- per instrument ₹150/- per instrument
b CA/OD/OCC
Up to ₹1 Lakh ₹250/- per instrument ₹250/- per instrument ₹250/- per instrument
Above ₹1 lakh and upto ₹25 lakhs ₹300/- per instrument ₹300/- per instrument ₹300/- per instrument
Above ₹25 lakhs ₹500/- per instrument ₹500/- per instrument ₹500/- per instrument
II Return of outward instruments
a SB ₹200/- per instrument ₹200/- per instrument ₹200/- per instrument
b CA/OD/OCC ₹250/- per instrument ₹250/- per instrument ₹250/- per instrument
26 Cheque/instrument return charges – Outstation
(Charges inclusive of commission, postage, out of pocket expenses etc.,)
a Return of inward instruments
SB/CA/OD/OCC
Upto ₹10,000 ₹25/- per instrument ₹25/- per instrument ₹25/- per instrument
₹10,001 to ₹1,00,000 ₹50/- per instrument ₹50/- per instrument ₹50/- per instrument
₹1,00,001 to ₹10,00,000 ₹100/- per instrument ₹100/- per instrument ₹100/- per instrument
₹10,00,001 and above ₹125/- per instrument ₹125/- per instrument ₹125/- per instrument
b Return of outward instruments
SB/CA/OD/OCC
Upto ₹10,000 ₹25/- per instrument ₹25/- per instrument ₹25/- per instrument
₹10,001 to ₹1,00,000 ₹50/- per instrument ₹50/- per instrument ₹50/- per instrument
₹1,00,001 to ₹10,00,000 ₹100/- per instrument ₹100/- per instrument ₹100/- per instrument
₹10,00,001 and above ₹125/- per instrument ₹125/- per instrument ₹125/- per instrument
27 ECS/NACH (Debit Return) Insufficient funds ₹200/- per instance ₹200/- per instance ₹200/- per instance
S.No. PARTICULARS Other than Individual Individual
Other than Rural Rural
28 BILLS COLLECTION – INWARD /OUTWARD (Bills : clean/documentary/demand/usance including supply bills)
a Upto 10000/- 100/- 100/- 100/-
b 10,001 to 10,00,000 8/- per thousand or part thereof with minimum of 100/- 8/- per thousand or part thereof with minimum of 100/- 8/- per thousand or part thereof with minimum of 100/-
c 10,00,001 and above 7/- per thousand or part thereof with minimum of 8000/- and maximum of 15000/- 7/- per thousand or part thereof with minimum of 8000/- and maximum of 15000/- 7/- per thousand or part thereof with minimum of 8000/- and maximum of 15000/-
29 BILLS RETURNED UNPAID
Local or outstation 50% of applicable collection charges with minimum of 100/- PLUS postal charges 50% of applicable collection charges with minimum of 100/- PLUS postal charges 50% of applicable collection charges with minimum of 100/- PLUS postal charges
30 DEMAND DRAFT ISSUE LOCAL/OUTSTATION - TRANSFER
Up to and inclusive of 1000/- 40/- 40/- 40/-
Above 1000/- up to 10000/- 50/- 50/- 50/-
Above 10000/-(for multiple DDs issued in lieu of single DD commission as applicable for the aggregate amount alone shall be collected) 4 per thousand or part thereon with a minimum of 60/- and max. of 10000/- 4 per thousand or part thereon with a minimum of 60/- and max. of 10000/- 60/- and max. of 10000/-
31 DEMAND DRAFT ISSUE LOCAL/OUTSTATION – AGAINST TENDER OF CASH
a Up to and Inclusive of 1000/- 40/- 40/- 40/-
b Above 1000/- up to 10000/- 75/- 75/- 75/-
c Above 10000/- below 50000/- 5/- per thousand or part thereof with a minimum of 100/- 5/- per thousand or part thereof with a minimum of 100/- 5/- per thousand or part thereof with a minimum of 100/-
32 DEMAND DRAFT CANCELLATION/REVALIDATION
a Upto 500/- 20/- per instrument 20/- per instrument 20/- per instrument
b Above 500/- & Upto 5000/- 100/- per Instrument 100/- per Instrument 100/- per Instrument
c Above 5000/- 150/- per instrument 150/- per instrument 150/- per instrument
33 SAFE CUSTODY CHARGES
For gold loan packets not released after closing the A/c and also for gold loan A/cs where liability in the account is maintained less than 10% of the original loan amount etc. Whereas in case of death claim the custody charges are waived. 100/- per loan for a month or part thereof, with a minimum of 100/- and a maximum of 600/-. Over and above, safe custody charges of 100/- for all gold loans which remain overdue beyond 45 days 100/- per loan for a month or part thereof, with a minimum of 100/- and a maximum of 600/-. Over and above, safe custody charges of 100/- for all gold loans which remain overdue beyond 45 days 100/- per loan for a month or part thereof, with a minimum of 100/- and a maximum of 600/-. Over and above, safe custody charges of 100/- for all gold loans which remain overdue beyond 45 days

34 SAFE DEPOSIT LOCKER RENT
Uniform charges for Individual & Other than Individual across all the branches where lockers are provided
Locker size in inches Type of lockers Lockers defined in CBS Dist. HQ Branches Annual Rentals (Amt. in ₹) Other than Dist. HQ Branches Annual Rentals (Amt. in ₹)
05x06x21 Small S1 1000 900
05x07x21 Small S2 1100 1000
05x13x21 Medium M1 1500 1400
07x09x21 Medium M2 1500 1400
07x13x21 Medium M3 2000 1800
06x16x21 Medium M4 2400 2100
11x13x21 Large L1 2800 2600
07x20x21 Large L2 2800 2600
12x16x21 Large L3 4000 3500
16x20x21 Very large L4 5000 4600
35 Locker Rent: Fixed Locker’s type
Uniform charges for Individual & Other than Individual across all the branches where lockers are provided
Locker size in Inches Defined in CBS Annual Rent (Amt. in ₹)
05x06x16 SAFE1 800
05x07x16 SAFE2 900
05x13x16 SAFE3 1100
06x10x16 SAFE4 1000
08x11x16 SAFE5 1400
11x13x16 SAFE6 1600
07x20x16 SAFE7 1600
16x20x16 SAFE8 2200
S.No. PARTICULARS Other than Individual Individual
Other than Rural Rural
36 SAFE DEPOSIT LOCKER OPERATION
a Number of operations 12 free operations per year, beyond 12 operations 100/- per operation. 12 free operations per year, beyond 12 operations 100/- per operation. 12 free operations per year, beyond 12 operations 100/- per operation.
b Delayed remittance of lockers rent 100/- per month/fraction of a month, for the period of delay 100/- per month/fraction of a month, for the period of delay 100/- per month/fraction of a month, for the period of delay
37 LOSS/REPLACEMENT OF LOCKER KEY 500/- and actual break open, replacement charges. 500/- and actual break open, replacement charges. 500/- and actual break open, replacement charges.
38 LOSS OF TOKEN (Metal token) 100/- per token 100/- per token 100/- per token
39 DELETION OF DECEASED NAME, MERGER OF COMPANIES 100/- 100/- 100/-
40 CHARGES FOR RECORDING, RECONSTITUTION OF ACCOUNTS (OTHER THAN INDIVIDUALS) 500/- 500/- 500/-
41 CHANGES IN AUTHORISED SIGNATORIES OF COMPANIES INCLUDING CLUBS/CO-OP SOCIETIES 250/- per occasion Only for CA/OD/CC 250/- per occasion Only for CA/OD/CC 250/- per occasion Only for CA/OD/CC
42 REGISTERING POWER OF ATTORNEY / OPERATION BY POA/MANDATE For SB A/cs 300/- per instance For CA/OD/OCC 500/- per instance. For SB A/cs 300/- per instance For CA/OD/OCC 500/per instance. For SB A/cs 300/- per instance For CA/OD/OCC 500/- per instance
43 HOLDING BILL COLLECTION
Beyond 3 months after due date (at the request of drawer/customer and subject application conditions) Additional 25% normal collection charges, with minimum of 100/- per quarter Additional 25% normal collection charges, with minimum of 100/- per quarter Additional 25% normal collection charges, with minimum of 100/- per quarter
44 CHANGES OF ORIGINAL INSTRUCTIONS-OUTWARD/INWARD BILLS
Extension of time for collection/waiver of C form etc 100/ per request+ OPE 100/ per request+ OPE 100/ per request+ OPE
45 PARCEL RECEIVED UNDER ISC/IBC For parcels not cleared on presentation a charge of 5/- per day should be levied from the due date of payment till clearance, with a minimum of 20/- For parcels not cleared on presentation a charge of 5/- per day should be levied from the due date of payment till clearance, with a minimum of 20/- For parcels not cleared on presentation a charge of 5/- per day should be levied from the due date of payment till clearance, with a minimum of 20/-
46 INTER BRANCH REMITTANCE(Inter branch/Inter sol remittance)
A For Intracity transactions (within the city)
i Remittance of cash to SB/CA/OD/OCC accounts upto 25000/- per day No Charges No Charges NA
ii Remittance of cash to SB/CA/OD/OCC accounts above 25000/- upto 2 lakhs (Maximum limit per day) 2/- per 1000/- or part thereof with minimum of 50/- 2/- per 1000/- or part thereof with minimum of 50/- NA
iii Cash withdrawals maximum limit 50000/- per day (SB/CA) No Charges No Charges NA
iv Fund transfer for all type of accounts(SB/CA/OD/OCC) (Debit transactions)
a Upto 5 lakhs per day Free Free NA
b Above 5 lakhs upto 10 lakhs per day 25/- per lakh or part thereof 25/- per lakh or part thereof NA
c Above 10 lakhs per day 50/- per lakh or part thereof 50/- per lakh or part thereof NA
B For Intercity transactions (out station branches)
i Remittance of cash to SB/CA/OD/OCC accounts upto 25000/- per day 1/- per 1000/- or part thereof with minimum of 20/- 1/- per 1000/- or part thereof with minimum of 20/- 1/- per 1000/- or part thereof with minimum of 20/-
ii Remittance of cash to SB/CA/OD/OCC accounts above 25000/- upto 2 lakhs (Maximum limit per day) 2/- per 1000/- or part thereof with minimum of 100/- 2/- per 1000/- or part thereof with minimum of 100/- 2/- per 1000/- or part thereof with minimum of 100/-
iii Cash withdrawal from SB/CA upto 25000/- No charges No charges No charges
iv Cash withdrawals from SB/CA above 25000/- upto 50000/- (Maximum limit per day) 2/- per 1000/- or part thereof with minimum of 50/- 2/- per 1000/- or part thereof with minimum of 50/- 2/- per 1000/- or part thereof with minimum of 50/-
v Fund transfer for all type of accounts(SB/CA/OD/OCC)
a Upto 5 lakhs per day Free Free Free
b Above 5 lakhs upto 10 lakhs per day 25/- per lakh or part thereof 25/- per lakh or part thereof 25/- per lakh or part thereof
c Above 10 lakhs per day 50/- per lakh or part thereof 50/- per lakh or part thereof 50/- per lakh or part thereof
47 NEFT TRANSACTIONS
There are no charges for NEFT initiated online (viz, Internet Banking and or Mobile Banking App of the Bank for SB Accounts
i For remittances - upto 10000 2.25 2.25 2.25
ii Above 10000 upto 1 Lakh 4.75 4.75 4.75
iii Above 1 lakh upto 2 lakhs 14.75 14.75 14.75
iv Above 2 lakhs 24.75 24.75 24.75
48 RTGS TRANSACTIONS
i 2 lakhs to 5 lakhs 24.50 24.50 24.50
ii Above 5 lakhs 49.50 49.50 49.50
49 CHARGES FOR DEBIT CARD TRANSACTIONS a) 3 free transactions in Metros and 5 free transactions in all other centers b) KGB Cards are allowed for unlimited free transactions in KGB and Canara Bank ATMs c) 20/- for Financial transaction and 10/- for non-financial transaction over and above the permitted free transactions on other Bank ATMs. a) 3 free transactions in Metros and 5 free transactions in all other centers b) KGB Cards are allowed for unlimited free transactions in KGB and Canara Bank ATMs c) 20/- for Financial transaction and 10/- for non-financial transaction over and above the permitted free transactions on other Bank ATMs. a) 3 free transactions in Metros and 5 free transactions in all other centers b) KGB Cards are allowed for unlimited free transactions in KGB and Canara Bank ATMs c) 20 for Financial transaction and 10/- for non-financial transaction over and above the permitted free transactions on other Bank ATMs.
50 ISSUANCE OF ATM DEBIT CARD
i Membership fee Free Free Free
ii Activation fees Free Free Free
iii EMV Chip Card issuance fee 200/- 200/- 200/-
iv Annual fees 100/- 100/- 100/-
v Hotlist on account of loss of card 150/- 150/- 150/-
S.No. PARTICULARS Other than Individual Individual
Other than Rural Rural
51 ATM/PoS TRANSACTION DECLINES LACK OF BALANCE/INSUFFICIENT BALANCE IN THE ACCOUNT 15 per instance 15 per instance 15 per instance
52 UPI TRANSACTION CHARGES (daily limit ₹20000/-)
Financial Outward (P2P)
Upto ₹1000/- ₹1/- ₹1/- ₹1/-
Above ₹1000/- upto ₹5000/- ₹2/- ₹2/- ₹2/-
Above ₹5000/- ₹5/- ₹5/- ₹5/-
53 IMPS
(Daily limit ₹25000/-; Cumulative monthly limit ₹500000/-)
Upto ₹10000/- ₹2.50 ₹2.50 ₹2.50
Above ₹10000/- ₹5/- ₹5/- ₹5/-
54 RESET OF PASSWORD FOR INTERNET BANKING THROUGH BRANCH 10/- per instance, for every time changing the password.
55 POSTAL TARIFF/OUT OF POCKET EXPENSES a. Ordinary post : Actual-Minimum 20/- per envelope
b. Regd/Courier/Speed Post : Actual-Minimum 50/- per envelope