Commission & Service Charges | 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
S.No.	PARTICULARS	Other than 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
S.No.	PARTICULARS		Other than 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
S.No.	PARTICULARS	Other than 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
S.No.	PARTICULARS		Other than 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
S.No.	PARTICULARS	Other than 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
	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 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
S.No.	PARTICULARS	Other than 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
44	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
S.No.	PARTICULARS		Other than 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