REVISED CHARGES (Excluding applicable Service Tax) w.e.f. 10.09.

2013

PARTICULARS (EXCLUDING APPLICABLE SERVICE TAX)

SL.NO

1.0 MAINTENANCE OF ACCOUNTS

1.1 ACCOUNT MAINTENANCE CHARGES

(Half yearly)
Savings Bank NIL

Note:

Up to 50 withdrawals (Half Yearly) in Savings Bank account are

free. Beyond that Rs.1/- per withdrawal (excluding ATM
transactions)
Current A/cs Rs.100/- FOR 40 transactions

(LF charges) Min Rs.100/- (Half Yearly)

Overdraft A/cs (LF Charges) Rs.100/- FOR 40 transactions

Min Rs.100/- (Quarterly)

1.2 CHARGES FOR ISSUANCE OF
STATEMENTS OF ACCOUNT
Savings Bank NIL
CA/OD including ODAD Monthly Free

Daily Rs.15/- per page

Weekly Rs.10/- per page

1.3 CHARGES FOR ISSUANCE OF

DUPLICATE PASS BOOKS / PASS
SHEET

(FOR ALL OPERATING A/CS)

DUPLICATE STATEMENT OF ACCOUNT Minimum Rs.30/- for one sheet. Beyond that additional Rs.50/-
per sheet.
 DUPLICATE PASS BOOK Rs.30/- per Pass Book – latest balance only.

For previous entries, additional charge Rs.50/- per ledger page or

part thereof.
Note:

1.4 CHARGES FOR CHEQUE BOOK Rs.4/- per cheque leaf at the time of issue of MICR / CTS cheque
book. For Single cheque leaf Rs.4/- per leaf
Note:SB a/c of individuals 50 leaves are free in a calendar year.
1.5 CHARGES FOR NON-MAINTENANCE
OF MONTHLY AVERAGE MINIMUM
BALANCE
Savings Bank and SBNRE / NRO harges details Click here

(Excluding Dormant A/cs)

Current Account Rs.100/- per Month

(Excluding Dormant A/cs)

Note:

Charges for non-maintenance of minimum balance are waived in

respect of SB Sugama & SB Zero Balance.
1.6 CHARGES FOR STOP PAYMENT
INSTRUCTIONS
Rs.50/- per Instrument

Savings Bank Max. Rs.250/- per instruction

Rs.200/- per Instrument

All other Operating A/cs Max. Rs.2000/- per instruction

1.7 CHARGES FOR ONE TIME If the instructions have to be executed within the Bank - Free of
REGISTRATION OF STANDING cost.
INSTRUCTIONS
Other than that Rs.50/- per Transaction.
 Note:

1. Standing Instructions for remittance of Interest Income to

other Banks are Free if it is remitted through
ECS/NEFT/RTGS. If it is remitted through Demand Draft,
then normal DD charges plus postage.
2. Modification of Standing Instruction is not allowed and
hence old standing instructions need to be cancelled and
fresh standing instruction has to be created.

1.8 PHOTO ATTESTATION Rs.100/- per attestation

1.9 ISSUE OF NO OBJECTION, NO DUE / Rs.100/- per certificate

BALANCE / INTEREST CHARGED /
CHEQUE HONOURED / ACCOUNT
MAINTAINING / DUPLICATE
DEPOSIT RECEIPT ETC.)

Note:

1. No Due Certificate / inter bank exchange of information

for the purpose of loans under Govt. sponsored schemes,
collection of service charges is waived.

2. No Due Certificate issued to the parties for availing loans

other than under Govt. sponsored schemes from other
Banks is Rs.25/- (Including Service Tax)
1.10 RECORD COPY OF THE CHEQUE / Rs.100/- per instance
DOCUMENT

1.11 ENQUIRY RELATING TO OLD

ENTRIES (ABOVE 1 YEAR)

Savings Bank Rs.100/- per instance

All other Operating A/cs Rs.150/- per instance
1.12 MAINTENANCE OF NON-OPERATIVE
ACCOUNT (DORMANT ACCOUNT)
Savings Bank NIL
Current Account NIL
1.13 CHARGES FOR CLOSURE OF
OPERATING ACCOUNTS

(Within a year)
SB without cheque book Rs.100/-
SB with cheque book Rs.200/-
Current Accounts Rs.500/-
Note: No charges if a customer wants to close the account within 14 days from the date of first
deposit to the account.

1.14 ADDITION / DELETION OF NAMES Rs.50/- per instruction

IN JOINT A/CS / NOMINATION /
CHANGE IN OPERATIONAL
INSTRUCTIONS

1.15 REGISTRATION OF MANDATE /

POWER OF ATTORNEY FOR
OPERATION OF A/C
Savings Bank Rs.100/- per registration
All other Operating A/cs Rs.150/- per registration

1.16 CASH DEPOSIT CHARGES AT BASE For Deposit in a single day

BRANCHES

Savings Bank No charges, for the amount deposited for the credit of account/s
at the base branch.

Current Account Up to Rs. 3 lakh: Free

Above Rs.3 lakh to Rs.10 lakh:

Rs.100/- per lakh

Above Rs.10 lakh

Rs.200/- per lakh

 Overdraft Accounts Up to Rs. 6 lakh : Free

Above Rs.6 lakh to Rs.10 lakh:

Rs.100/- per lakh

Above Rs.10 lakh

Rs.200/- per lakh

1.17 CASH DEPOSIT CHARGES AT NON For Deposit in a single day

BASE BRANCHES

Savings Account No charges, for the amount deposited for the credit of account/s
at the non-base branch.

Current Account Up to Rs. 3 lakh : Free

Above Rs.3 lakh to Rs.10 lakh:

Rs.100/- per lakh

Above Rs.10 lakh

Rs.200/- per lakh

Overdraft Accounts Up to Rs. 6 lakh : Free

Above Rs.6 lakh to Rs.10 lakh:

Rs.100/- per lakh

Above Rs.10 lakh

 Rs.200/- per lakh

Note:Depending on Cash position at Branches, for cash deposit in

smaller denomination of below Rs.100/-, branch may charge
additional charges of Rs.1/- per thousand except for savings Bank
account at both base and non-base branches, where no charges
should be levied.

1.18 SIGNATURE ATTESTATION Rs.100/- per Attestation

Note:Branches are permitted to waive the attestation charges of
Rs.100/- for students who will be receiving the Post-Matric and
Merit cum Means scholarship grant from Minister of Minority
Affairs.
2.0 REMITTANCES

2.1 COMMISSION FOR DEMAND DRAFTS Rs.2/- per 1000/- with a Min. of Rs.20/- and Max. Rs.10000/-

2.2 CHARGES FOR CANCELLATION OF Rs.50/- per instrument

DEMAND DRAFT
Note:

Subject to maximum value of DD Cancelled

2.3 INTER BRANCH FUND TRANSFER No Charges

(TRANSFER OF FUNDS ONE BRANCH

TO ANOTHER BRANCH BETWEEN
TWO A/CS FROM BOTH BASE AND
NON-BASE BRANCHES)

2.4 ECS Services

For Registration Mandate Free
Return Charges For ECS: -
 Saving Bank Account Rs.50/- Per Return
All other Operating A/cs Rs.200/- Per Return

2.5 COMMISSION FOR – RTGS

Rs.2 lakh to 5.00 lakh Rs.25/-
Above Rs.5 lakhs Rs.50/-

2.6 COMMISSION FOR – NEFT

Upto Rs.10000/- Rs.2.50/-
From Rs.10001/-Up to Rs.1 Lakh Rs. 5/-
Above Rs.1 lakh up to 2 lakhs Rs.15/-
Above 2 lakhs Rs.25/-

Note: Remittance of Term Deposits, CDs on its Maturity / Pre Mature

and Loan Disbursement by use of any one of the remittance
option as detailed in serial no. 2.1 to 2.6 - No Charges.

3.0 COLLECTIONS
3.1 COMMISSION FOR – BILLS Rs.4/- per Rs.1000/-
COLLECTION – (IBC) Both Inward
and Outward Min. Rs.25/-

Max. Rs.7500/-
3.2 IBC – RETURN CHARGES Rs.2/- per 1000/-

Min. Rs.50/-

Max. Rs.3500/-
3.3 COMMISSION FOR OUTSTATION Collection of Instruments drawn on other centers are chargeable
CHEQUE COLLECTION (OBC) as follows:

Up to and including Rs.5000/- Rs.25/-

(For Cheques drawn on other Above Rs.5000/- and up to and including Rs.10000/- Rs.50/-
Banks)
Above Rs.10000/- and up to and including Rs.100000/- Rs.100/-

Above Rs.100000/- Rs.2 per 1000/- or part thereof Min.Rs.200/-

Max Rs.20000/-

Note:

3.4 COMMISSION FOR OUTSTATION No Charges

CHEQUE COLLECTION FOR CHEQUE
DRAWN ON OUR BANK BRANCH

3.5 SPEED CLEARING No Charges

3.6 CHEQUE RETURN CHARGES For Savings Bank, Current Account and Other Accounts Rs.100/-
up to Cheque Amount Rs.1000000/-
(Both Local and Outstation Cheque)
If the Cheque Amount is more than Rs.1000000/- then Rs.1000/-
per instrument.

Note:

In case of Local / Outstation Cheque is returned for technical

reasons as detailed here below no Cheque Return Charges should
be levied:

1. Kindly Contact Drawer / Drawee Bank and Please Present

again
2. Drawers signature to operate account not received
3. If the cheque is returned for the reason 'Stop Payment' no
charges
4. Withdrawal stopped owing to death of account holder /
lunacy / insolvency
5. Instrument post dated
. 6. Instrument outdated / stale
7. Instrument mutilated; requires bank's guarantee
8. Clearing House stamp / date required
9. Wrongly delivered / not drawn on us
10. Present in proper zone
11. Instrument contains extraneous matter
12. Image not clear; present again with paper
13. Present with document
14. Item listed twice
15. Paper not received
16. Account transferred to another branch
17. Cr Crossed to two banks
18. Crossing stamp not cancelled
19. Clearing stamp not cancelled
20. Instrument specially crossed to another bank
21. Payee's endorsement irregular / requires collecting bank's
confirmation
22. Endorsement by mark / thumb impression requires
attestation by Magistrate with seal
23. Advice not received
 24. Amount / Name differs on advice
25. Drawee bank's fund with sponsor bank insufficient
(applicable to sub-members)
26. Payee's separate discharge to bank required
27. Not payable till 1st proximo
28. Pay Order requires counter signature
29. Required information not legible / correct
30. Bank's certificate ambiguous / incomplete / required
31. Draft lost by issuing office; confirmation required from
issuing office
32. Bank / Branch blocked
33. Digital Certificate validation failure
34. Other reasons-connectivity failure
35. 'Payee's a/c Credited'- Stamp required
36. Bank excluded
37. Altered cheque in case of CTS 2010 Standard Cheque
38. Others Reasons / Local Holiday

4.0 SERVICE CHARGES FOR OPERATING No Charges

LOCKER UNIT

5.0 CHARGES FOR SAFE CUSTODY

SERVICE (Charges per Year)

5.1 Sealed cover Rs.200/- per cover

Sealed boxes Rs.1000/- per Box
6.0 MISCELLANEOUS

6.1 CHARGES FOR COLLECTION OF FDR Free if the deposit with other Bank invested in our Term Deposit
ON MATURITY otherwise Rs.100/- per FDR

7.0 ATM DEBIT CARD

7.1 Card Issue This is to bring to the kind notice of card holders that, Debit card
will be issued ‘Free of Cost’ and for the First year there will not be
any service charges and from second year onwards, annual
charges of Rs.100/- plus applicable taxes will be collected upfront
from the account.

The annual charges will also be applicable to the existing debit

card holders and collected upfront for the calendar year and it is
effective from 01-02-2016.

It may be further noted that these charges are not applicable for
Privileged SB/CA scheme account holders (like SB Money -
Sapphire, Ruby, Platinum, KBL-Vanitha & ILSB. CA schemes like
Money-Pearl,Ruby, Diamond,Diamond Plus & Platinum).
Card Lost and Replaced Rs.100/-

Note:

1. Replacement Card fee for staff: NIL

2. If the card is damaged and produced at the
branch, the Branch Head / ABM shall verify the
same and take a decision for waiving of charges.
Regeneration of ATM PIN Rs.100/-
ATM Transaction Charges (w.e.f 01/11/2014)
Network Transaction Charges (Rs.)*
Own ATM Free
Other Banks ATMs for Cash Transaction Free Limit:
Withdrawal/Balance enquiry
1.ATMs located at six metro centres viz. Mumbai, New Delhi,
For Savings Bank customers: Chennai, Kolkata, Bengaluru and Hyderabad -- Three

2.ATMs located at other places -- Five

 3.SB Small, SB-Sugama[Basic Savings Bank Deposit] Account
holders[irrespective ATM location]-- Five
For Current Account/ODAD customers No Free Limit
The transactions over & above the said free transactions limit in a calendar month, will be charged with
Rs.20 plus applicable service tax per transaction. The maximum cash withdrawal limit is Rs.10,000/- per
transaction and minimum is Rs.100/-.
*
Subject to Change.
(With effect from 18.04.2012, Pin change & Mini Statement are enabled at Other Bank {NFS} ATMs)
7.2 International
Financial Transaction Rs.100/- +tax per Financial transaction
Non Financial Transaction Rs.25/- +tax per Non Financial transaction

8.0 TECHNOLOGY PRODUCTS SERVICE

CHARGES
8.1 Internet Banking Free
SMS Alerts Rs.1/- per Alert

Note:

1. SMS Alerts for ALL transactions done through Debit Card are
free

2. Alerts for transactions above Rs.1000/- for Savings Account

customer are Free

3. Alerts for transactions above Rs.25000/- for current Account

are Free

Internet Banking Password Reset Rs.100/- per reset of Internet Banking Password (with effect from
(Physical) 01/09/2010)

Internet Banking Password Reset (On Rs. 50/- per reset of Internet Banking Password
Line)
9.0 DEMAT SERVICE CHARGES
A/C’S Of Individuals A/c’s of Corporates
Annual Charges Rs.250/- Rs.800/-
Dematerialisation Rs.2/- per certificate min. of Rs.2/- per certificate min. of
Rs.10/- plus postage charges. Rs.10/- plus postage charges.
Rematerialisation Rs.25/- per certificate plus postage Rs.25/- per certificate plus
 postage
Pledge / Umpledge / Invacation Rs.50/- per ISIN Rs.50/- per ISIN
Transaction: Per Debit Transaction Rs.20/- Rs.20/-
Delivery Instruction Book Rs.1/- per leaf Rs.1/- per leaf
Cheque Return Charges (for non Rs.25/- per cheque / per incidence Rs.25/- per cheque / per
customer) of return incidence of return
Statement Charges One monthly statement free. One monthly statement free.
Additional statement @ Rs.5/- per Additional statement @ Rs.5/-
page per page
Note:

1. All the above charges are exclusive of Postage, other charges,

Service Tax or surcharge, if any, stipulated by Government Bodies
/ Statutory Authorities from time to time.

2. Annual maintenance charges are levied upfront for a period of

one year at the beginning of the financial year. On closure, AMC is
refundable on pro-rata basis (quarterly)

3. The Billing/ Recovery interval of the charges is at the sole

discretion of Karnataka Bank Ltd.

4. Any other charges specified by CDSL/or by the Bank from time

to time

REVISED CHARGES (Excluding applicable Service Tax) (Amount in Rs.)

Sl. Particulars charges

No.

I.(a) Issue of Solvency Certificate including financial certificates

(i). Up to Rs.1.00 lakh Rs.300.00

(ii). Above Rs.1.00 lakh Rs.200.00 per lakh

 Minimum:

Rs.300.00

Maximum:

Rs.200000.00

I.(b) Certificate issued to Students including financial certificates issued to student pursuing studies abroad

(i). Up to Rs.1.00 lakh Rs.100.00

(ii). Above Rs.1.00 lakh Rs.100.00 per lakh

Minimum:

Rs.200.00

Maximum:

Rs.1000.00

I.(c) Issue of Line of Credit/Letter of Comfort/Capacity Certificate etc. (for Contractors)

(i). Up to Rs.1.00 crore Rs.2000.00

(ii). Above Rs.1.00 crore Rs.5000.00

II. Furnishing Confidential Opinion:

a. For Individual account holders Rs.100.00

b. For Proprietorship Concern/ Partnership firms Rs.500.00

/Any others
 c. For LLP/limited companies Rs.1000.00

III. Processing Charges other than Forex limits & Schematic Loans:

A Fund Based / Non Fund Based limits

(i). Upto Rs.25000.00 (Priority Sector Advances) NIL

(ii) Upto Rs.25000.00 (Non-Priority Sector 0.50% with a minimum of Rs.100.00

Advances)

(iii) Above Rs.25000.00 (Both for Priority & Non- 0.50% with a minimum of Rs.250.00
Priority Sector Advances)
and Maximum of Rs.15,00,000.00

Guidelines:

1. No processing charges for advances against our own deposits including ODAD, Gold Loan and Government sponsored scheme.
2. The charges are to be levied on sanctioned amount.
3. In case of working capital limits, above prescribed processing charges are to be collected per sanction/renewal. For any sanctioned
adhoc/additional/onetime limit processing charges shall be collected at 50% of applicable charges (including min. and maximum charges)
irrespective of the period.
4. For extension of working capital/adhoc/additional limits: processing charges at 0.10% on each occasion is to be collected.
5. In respect of accounts under consortium, where we are not lead bankers, service charges, processing charges and other charges, if any, shall be
levied as per the rates prescribed by H.O. or as per the rates charged by Lead Bank, whichever is higher.
6. For KCC Accounts processing charges mentioned above is for 1st year. Processing charges for 2nd to 5th year shall be 50% of the applicable 1st
year charges, to be collected at the time of renewal.

IV. Inspection Charges (Non Priority sector advances)

a) Monthly inspection of goods under
hypothecation/pledge

Loan limit up to Rs.50000.00 Rs.25.00

Loan limit above Rs.50000.00 – up to Rs.2 lakh Rs.100.00

Loan limit above Rs.2 lakh to Rs.10 lakh Rs.200.00

Loan limit above Rs.10 lakh to Rs.1 crore Rs.300.00

Loan limit above Rs.1 crore Rs.1250.00

Note: The above are charges per month to be collected on quarterly basis.

b) Quarterly inspection charges for Project Loans (excluding agricultural projects)

Loan limit up to Rs.1.00 crore Rs.1000.00 per occasion

Loan limit above Rs.1.00 crore Rs.2000.00 per occasion

Note: The above charges to be collected on quarterly basis.

c) Half yearly inspection of vehicles/boats, machineries etc.

Loan limit up to Rs.25000.00 Rs.50.00 per occasion

Loan limit above Rs.25000.00 – up to Rs.1 Rs.200.00 per occasion

lakh

Loan limit above Rs.1 lakh Rs.400.00 per occasion

 d) Pledge/delivery of goods

Loan limit up to Rs.25000.00 Rs.100.00 for every occasion

Loan limit above Rs.25000.00 Rs.200.00 for every occasion

V. Inspection Charges (Priority sector advances)

Loan limit up to & inclusive of Rs.25000.00 NIL

Loan limit above Rs.25000.00 Rs.25.00 per inspection per borrower with a
maximum of Rs.250.00 per annum

The above charges are to be levied strictly and credited to Income- IC on loans & advances along with applicable service tax on such charges.

Actual expenses incurred by the bank officials for conducting outstation inspection (if not arranged by the borrower) may be recovered from the
borrower separately.

VI. Delayed submission of stock statements:

Charges from 16th day (in respect of Borrowers having working capital limits under multiple banking and consortium arrangements) / 8th day (in
respect of all other Borrowers having working capital limits):-1% per annum.

VII. Issue of registered notices: Rs.100.00

VIII. Rent and insurance on jewel loans to be i) Upto and inclusive of Rs.25000/= (market
debited annually by 31st December every year value): Nil.

ii) Above Rs.25000/= : Rs.2.00 per

thousand or part thereof per annum on the
market value with a minimum of Rs.50.00
and maximum of Rs.1000.00.
 Note:

(i) At the time of debiting rent and insurance annually:

At the time of annual debit of rent and insurance on 31st December every year, rent and
insurance on gold loans shall be debited on pro rata quarterly basis starting from the date of
availing the loan with a minimum of one quarter in the year of availment of gold loan.

(ii) At the time of closure of gold loan:

At the time of closure of the loan, rent and insurance shall be charged on pro rata quarterly
basis up to the date of closure with a minimum of one quarter.

(iii) For gold loans availed by staff members under staff gold loan schemes rent and insurance
charges need not be debited. However, for gold loans availed by staff member outside staff
loan scheme, rent and insurance shall be debited at rates mentioned above.

IX. BILLS PURCHASED/DISCOUNTED INCLUDING PURCHASE OF CHEQUES ETC.

Instruments Rate per Mini- Handling Collecting Overdue Returning charges

Rs.1000/- mum bank’s interest
or part charges charges

a) Rs.6/- Rs.50/- Rs.50/- per Actual Sanctioned Rs.100/- per

Outstati bill plus rate of instrument plus
on actual interest plus
Cheques postal 3% penal Registration charges
& registration interest from
docume charges 11th day
nt bills
 Up to
Rs.5000/-
no
handling
charges.

b) Local Rs.3/- Rs.25/- - N.A. - N.A- - N.A. - - N.A.-

cheques

c) Clean Rs.7.50 Rs.50/- Rs.50/- per Actual Sanctioned Rs.100 per bill +
demand bill + rate of
bills registration interest plus Registration charges
charges 3% penal
interest from
11th day

d) Usance bills Handling charges at the rate of Rs.100 per bill, interest as stipulated.

e) Advance against
supply bills
-do-

f) Teachers’ salary bill. At par

Guidelines:

1. Discount/Interest charges should be collected at front-end, i.e., at the time of discounting the bills or on granting advance against supply bills.

2. Rate of interest on discount of Usance Bills are subject to change from time to time.

3. Sanctioned rate of interest means the rate of interest at which working capital limits are sanctioned. Where there is no specific working capital
limits sanctioned, sanctioned rate means bank’s maximum lending rate.

X. INLAND BANK GUARANTEES / DPGs AND INLAND LETTER OF CREDITS

 Guarantees:

Services charges

Performance Guarantee/Inland LCs Rs.200.00 + 2.5% p.a. or part thereof

Other than performance Guarantee/DPGs Rs.200.00 + 3% p.a. or part thereof

Inland LCs, Bank Guarantees, DPGs, fully Rs.500.00 + 20% of the normal charge with a min. of
secured by deposits Rs.250.00 and max. of Rs.1.00 lakh.

Guidelines:

1. In the first instance commission should be collected for the entire period of Bank Guarantee inclusive of claim period.
2. Fraction of a month should be treated as full month for calculation of guarantee commission.
3. Commission should be collected for a minimum period of 3 months where the specified period of liability is less than 3 months.
4. Where the guarantee period is extended, commission should be collected for the extended period from the due date / expiry of claim period
(whichever is later) at the above rates with a minimum of Rs.200.00
5. Commission prescribed is for individual transactions. However for the total sanctioned limit, processing charges should be collected as usual.
6. Commission should be collected for the entire period inclusive of claim period. If the guarantee outstanding is beyond the validity period for
which guarantee is issued, due to the preventive action initiated by the borrower for making payment to the beneficiary such as stay order from
court, arbitration proceedings etc. in such cases additional commission should be collected on a quarterly basis. In case of Inland LCs,
commission should be collected for the validity period of LC (i.e. from date of issue to expiry date for negotiation) at the time of issue of LC. In
case of DA LC, additional commission for the period upto due date of the bill (from expiry date of LC for negotiation) is to be collected at the
time of lodging the bill under LC.
7. In the case of DPGs commission should be charged on reducing liability on an annual basis at the beginning of the financial year.
8. In the case of revolving LCs additional charges of Rs.200.00 only are to be collected for every reinstatement. (Commission for the entire period
of commitment / LC expiry date should be collected at the time of establishing the LC)
9. In case of amendment to an LC, a sum of Rs.200.00 to be levied. For extended period, if any, in the amendment, corresponding charge should be
levied additionally at rate prescribed in XII above.
10. In the case of Bills under our Bank’s LC, the LC negotiating branch shall levy the charges for the bills received under LC at Rs.200.00 per bill
plus postal charges/communication charges.
11. Processing charges is not applicable to BG/LC secured by 100% cash margin/deposits.
XI. FORE-CLOSURE CHARGES:

For Loans offered under Floating rate of interest: Nil.

For Loans offered under Fixed rate of interest: 1% of the outstanding balance in case of loans and aggregate limit in case of working capital facilities.

XII. COMMITMENT CHARGES FOR NON-UTILISATION OF WORKING CAPITAL LIMITS

i. 0.50% p.a on unutilized portion of funded working capital limits of above Rs.1.00 crore if the average quarterly utilisation is less than 75% of
the sanctioned limit to be charged quarterly.

ii. Excluded category:

1. Working capital limits sanctioned to sick/weak units.

2. Export credit (both pre-shipment and post-shipment) as well as against export incentives, viz., Duty drawback, cash compensatory support etc.
3. Inland bills limits extended by way of bills purchased/discounted.
4. Credit limits granted to commercial banks, financial institutions and co-operative banks including land development banks.
5. Limits utilized by way of non-fund based limits by earmarking fund based limits.

iii. Consortium accounts: In the case of consortium accounts the charges are to be fixed as decided by the consortium.

iv. Multiple banking arrangements: In the case of multiple banking arrangements charges shall be levied purely on the basis of credit limits
sanctioned by our bank vis-à-vis availment from our Bank.

XIII. AGRICULTURAL ADVANCES:

1. ESTATE/LAND VALUATION CHARGES:

(i) For valuation of agricultural properties:

Value of land/ estate Valuation charges

Up to Rs.25000 Nil

Above Rs.25000 and up to Rs.5.00 lakh Rs.300.00

 Above Rs.5.00 lakhs and up to Rs.10.00 Rs.600.00
lakh

Above Rs.10.00 lakhs Rs.60 per lakh with a minimum of Rs.600.00 and
maximum of Rs.10000.00

(ii) For valuation of properties other than agricultural properties:

Sl. Value of property Fee payable excluding Minimum maximum
service tax
No.

1. Up to Rs.5.00 lakh 0.15% of the value Rs.250/- Rs.750/-

2 Above Rs.5.00 lakhs and up to 0.125% of the value Rs.750/- Rs.1250/-

Rs.10.00 lakhs

3 Above Rs.10.00 lakhs and up to 0.10% of the value Rs.1250/- Rs.5000/-

Rs.50.00 lakhs

4 Above Rs.50.00 lakhs and up to Rs.5000+0.05% for every Rs.5000/- Rs.7500/-

Rs.100.00 lakhs Rs.10.00 lakhs or part thereof
for beyond Rs.50.00 lakhs

5 Above Rs.100.00 lakhs Rs.7500+0.025% for every Rs.7500/- Rs.10000/-

Rs.10.00 lakhs or part thereof
for beyond Rs.100.00 lakhs

Guidelines:

i. The valuation charges payable should be borne by the borrower.

 ii. When two or more properties are required to be valued at the instance of the borrower, all such properties should be deemed to constitute a
single property for the purpose of calculation of value for fixing the fees.
iii. No local conveyance is reimbursable. In case of outstation properties reasonable conveyance and out of pocket expenses are reimbursable.
iv. The same principle shall be applied for making payment of fees to the valuers while valuing securities like machineries, vehicles etc.
v. As the valuation of agricultural properties are done by AFO/ Branch Heads, charges collected thereon shall be credited to income account of the
Branch.

2. ESTATE/FIELD VISIT CHARGE PER ANNUM:

a) Plantations

Upto Rs.25,000.00 limit Nil

Above Rs.25,000.00 limit Rs.10.00 per acre,

Min. Rs.200.00,

Max. Rs.2,000.00 per year

b) Other Lands/Crops/activities:

Upto Rs.25,000.00 limit NIL

Above 25,000.00 upto 3.00 lakh limit Rs.100.00 per visit

Above Rs.3.00 lakh upto 10.00 lakh limit Rs.200.00 per visit

Above Rs.10.00 lakh limit Rs.500.00 per visit

Note:

1. Plantations shall be visited at least twice in a year.

XIV. ALLOWING DRAWINGS AGAINST CLEARING CHEQUES:

As provided in the sanction / 3% over and above the sanctioned rate/ maximum lending rate inclusive of penal rate for actual days of use of bank funds
as the case may be is applicable.

XV. REVISED CHARGES FOR MULTI BRANCH BANKING FACILITY UNDER OD/ODAD A/Cs (Amount in `)
I. Service charges to be collected:

OD/ODAD
OD/ODAD- OD/ODAD - OD/ODAD -
-
MoneyRuby MoneyDiamond MoneyPlatinum
MoneyPearl
SCHEMES

` 1,000 ` 2,000 ` 6,000

Charges to be paid by the account holder ` 30,000
Quarterly quarterly quarterly
Quarterly

II. Cash withdrawal facilities & charges.

At Base Branch (Subject to rules & regulations in force

No charges No charges No charges No charges
from time to time)

At Non Base Branch (Subject to rules & regulations in

force from time to time)

[For slef cheques (Account holder only) - Maximum

No charges No charges No charges No charges
withdrawal allowed is ` 10 lakh per day

Maximum cash withdrawal allowed through 3rd

party cheques is ` 50,000/- per day]

The above cash withdrawals at non base branches are only with prior intimation and its approval by the
paying branch.

III. Payment of Multicity Cheques and charges thereon.

For all centers No charges No charges No charges No charges

IV. Fund transfer from one account to any other account of the same/other customer within KBL (Such debits are to be
supported by cheque):

For all centers

No charges No charges No charges No charges

V. Fund transfer from one account to any other account across Banks (Such debits are to be supported by cheque):
Number of transactions under the free limit should not be more than the number mentioned there on for each scheme. Above
that, from the next transaction onwards, charges as indicated are applicable, even if the aggregate value is within free limit.

Free up to `
Free up to ` 25 50 lacs per
lacs per month. month. Free up to ` 250 lacs
per month.

For Payment through RTGS/NEFT systems (Such

debits are to be supported by cheque and to Thereafter, normal Thereafter, Free.
be accompanied by RTGS/NEFT form charges are normal charges Thereafter, normal
signed by account holder) applicable are applicable charges are applicable
(maximum (maximum (maximum number of
number of number of transactions per month
transactions per transactions under the free limit is
month under the per month 150)
free limit is 50) under the free
limit is 100)

Demand Draft From Any Branch (By debit to the account).

Free up to ` Free up to ` 25 lacs

Free up to ` 5 per day. Thereafter,
10 lacs per
lacs per day. normal charges are
day.
Demand Draft Thereafter, applicable
Thereafter,
normal charges
normal charges
(Such debits are to be supported by cheque are applicable Free
are applicable
and to be accompanied by DD application
form signed by account holder)

Maximum number of DD per month under the free limit is

 restricted to 50

VI. Collections

upto ` 7.50 lakhs

– FREE.
upto ` 10
Cash Deposit at Base branch. (For Deposit in single lakhs –
day) (Subject to rules & regulations in force from upto ` 25 lakhs – FREE.
FREE.
time to time)
Above ` 7.50 Free
lakh to ` 10 lakh
– ` 100/- per Above ` 25 lakhs `
lakh Above ` 10
200/- per lakh.
lakhs ` 200/-
per lakh.
Above ` 10 lakh
` 200/- per lakh.

upto ` 7.50 lakhs

– FREE.
upto ` 10
Cash Deposit at Base / Non Base branch. (For lakhs –
upto ` 25 lakhs – FREE.
Deposit in single day) (Subject to rules & regulations FREE.
in force from time to time)
Above ` 7.50 Free
lakh to ` 10 lakh
– ` 100/- per Above ` 25 lakhs `
lakh Above ` 10
By Self (Account Holder) only. 200/- per lakh.
lakhs ` 200/-
per lakh.
Above ` 10 lakh
` 200/- per lakh.

Depending on Cash position at Branches (both base and non base branches), for cash deposit in smaller denomination of below ` 100/-, branch
may charge additional charges of ` 1/- per thousand.

Cheque Collection & Charges thereon

At base location – within the clearing zone. Free. Free. Free. Free.
At non-base location Number of instruments under the free limit should not be more than 100per month. Above that, from
the next transaction onwards, charges as indicated are applicable, even if the aggregate value is within free limit

COMMISSION FOR OUTSTATION CHEQUE

COLLECTION (OBC)

Free up to `
Free up to ` 10 30 lacs per
Free up to ` 100 lacs per
(For Cheques drawn on other Banks) lacs per month. month.
month. Thereafter,
Thereafter, Thereafter, Free
normal charges are
normal charges normal
applicable
are applicable charges are
applicable

commission for outstation cheque collection for

No Charges No Charges No Charges No Charges
cheque drawn on our bank branch

Speed clearing No Charges No Charges No Charges No Charges

Other Bank charges if any & other charges, service tax etc. if any shall be levied extra.

VII. Cheque Return Charges (in respect of Cheques Drawn by the account holders)

If the cheque Amount upto ` 10,00,000/- then ` 100/- per instrument

Both Local and out station cheques' returned

If the Cheque Amount is more than ` 10,00,000/- then ` 1,000/- per instrument.

Note: In case of Local / Outstation Cheque is returned for technical reasons as detailed here below no Cheque Return
Charges should be levied:

1. Withdrawal stopped owing to death of account holder.

2. Instrument post dated.
3. Instrument outdated / stale.
4. Instrument mutilated requires Banks Guarantee.
 5. Clearing House Stamp / Date required.
6. Wrongly delivered / not drawn on us.
7. Image not clear, present again with paper.
8. Present with document.
9. Item listed twice.
10. Paper not received.
11. Crossed to two Banks.
12. Crossing stamp not cancelled.
13. Clearing stamp not cancelled.
14. Instrument specially crossed to another Bank.
15. Required information not legible / complete / required.
16. Altered cheque in case of CTS 2010 Standard Cheque.
17. If the cheque is returned for the reason ‘Stop Payment’ no charges.
VIII. Cheque Book Charges

600 cheque
300 cheque leaves free
1000 cheque leaves free
leaves free per per calendar
per calendar year
Cheque Book charges calendar year year Free
thereafter, ` 4/- per
thereafter, ` 4/- thereafter, `
cheque leaf
per cheque leaf 4/- per cheque
leaf

` 200/- per instrument

Stop payment charges
Maximum of ` 2000/- per instruction

Gold card with

MoneyPlant Visa International Debit Card to eligible With per day cash Gold card with per
per day cash Gold card with per day
account holders (for eligible accounts) withdrawal limit of day cash withdrawal
withdrawal limit cash withdrawal limit of `
` 40000/- and POS limit of ` 40000/-
of ` 40000/- and 40000/- and POS limit of
limit of ` and POS limit of `
POS limit of ` ` 1,00,000/-.
1,00,000/-. 1,00,000/-.
1,00,000/-.

Registration Free. Fund transfer within the Bank (subject to ceiling), Utility bill
Internet Banking – MoneyClick for eligible accounts.
payment etc will not attract any charge from bank side.

SMS Alert on all type of transactions (customer induced) of ` 25,000/- and above –
SMS Alerts, if subscribed.
Free.
 Below the limit ` 1/- per SMS.

X. Statement of Account:

If Daily only ` 15/- per page irrespective of number of entries

If Weekly only ` 10/- per page irrespective of number of entries

Free
If Monthly only
Free monthly e-statements are also available on request and the same shall be sent to
those who are authorized to operate the account.

NB: 1. Base Branch/ Location refers to the Branch where the customer maintains his MBB Account.

2. All charges are exclusive of Service Tax, Surcharge etc wherever applicable.

3. All charges and limits are subject to change.

4. Proceeds of cheque/s deposited for collection will be available for utilization only after realization.

5. Charges for any services not covered herein shall be at the prevailing rates prescribed from time to time

6. A customer is eligible to have MBB account in the Bank under any one particular tier only.

7. ‘Month’ means a calendar month and ‘Year’ means a financial year (April to March), unless specified otherwise.

8. Branches shall monitor all MBB accounts properly.

XVI. Schedule of charges for foreign exchange transactions:

Note: The charges stipulated herein are excluding the following, wherever applicable:

i. Swift charges, Nostro charges, Postage/Courier and other out of pocket expenses.
ii. Service tax.
iii. Correspondent bank / other bank’s charges, if any.

1 EXPORT (including deemed export transactions):

A COMMISSION ON EXPORT BILLS FINANCED
(PURCHASED/DISCOUNTED/NEGOTIATED/ RUPEE ADVANCE GRANTED)
Bill drawn under LC (Foreign
i. 0.10% Min Rs.500 Max Rs.2000
Currency and Rupee bill)
Non LC/Direct Bill (Foreign Currency
ii. 0.25% Min Rs.250 Max Rs.2000
and Rupee bill)
When portion of the bill amount is
financed and remaining portion is
handled on collection basis
iii. As per 1A.i OR ii
(a) On the amount financed
as the case may be
(b) On the amount under collection As per 1B.i OR iii
(including amount credited/to be
credited to EEFC account) as the case may be
Total commission under iii (a) and (b) together is subject to maximum of Rs.5000
iv. When export bill is sent for
As per 1.A.i (in addition to other bank’s charges)
negotiation to another bank in India
v. Where reimbursement under a letter
of credit is claimed by another bank
As per 1.A.ii
in India from our bank where Vostro
account is being maintained with us.
vi. In respect of discrepant documents
negotiated under restricted letters of
credit, for joining in customers’
guarantees / indemnities and for
giving guarantees/ indemnities on As per 1.A.ii
behalf of customers to other banks in
India
vii. XOS charges for export bills
financed which are overdue as at the
end of each quarter (i.e where the
proceeds are not received in Nostro Rs.250 per bill per quarter
account on or before the due
date/extended due date (extended by
the Bank/RBI),
 [To be collected in the first week of
next quarter]
viii. For Crystallization of Foreign
Rs.500 per bill
Currency export bill
ix. For extension of due date of export
Rs.500 per extension per bill
bill
x. For return/dishonour of export bill Rs.500 per bill
Note: In case of export bills drawn on
countries with externalization
problems but paid in local currency
and the exporter has obtained
necessary approval from Reserve
Bank of India for extension, Xos
charges as above shall not be levied.

B EXPORT BILLS SENT ON COLLECTION/UNDER CONSIGNMENT ARRANGEMENTS

i. For Foreign Currency and Rupee 0.0625% Min Rs.250 Max Rs.5000
bill
For Foreign Currency and Rupee
ii. bill where advance payment towards 0.0625% Min Rs.250 Max Rs.5000
exports is received.
iii. If the documents are sent by the
exporter directly to the overseas
buyer (wherever permitted) [to be 0.0625% Min Rs.250 Max Rs.5000
collected while disposing of the
relative GR forms]
iv. XOS charges for export bills sent
on collection which are overdue as
at the end of each quarter (i.e where
the proceeds are not received in
India on or before the due
Rs.250 per bill per quarter
date/extended due date (extended
by the Bank/RBI)

[To be collected in the first week of

next quarter]
v. For Extension of due date of export
Rs.500 per extension per bill
bill
vi. For Write off of export bill Rs.500 per bill
vii. For return/dishonour of export bill Rs.500 per bill
viii. Delayed submission of Export bills
Rs.100 if the bills are

submitted beyond 45 days from the date of

shipment

Where advance payment has already been received

(advance payment should have been received
before the date of shipment) charges need not be
collected upto one year from the date of shipment.
Beyond one year from the date of shipment –
Rs.100
Note: (a) In case of export bills drawn on
countries with externalization
problems but paid in local currency
and the exporter has obtained
necessary approval from Reserve
Bank of India for extension, Xos
charges as above shall not be
levied.
(b) Where bank charges are to be
recovered from the drawee, but are
refused by them, such charges shall
be recovered from the exporters.

C EXPORT LETTERS OF CREDIT/STANDBY LETTERS OF CREDIT

i. Advising commission Rs.500 per LC

(to be collected when our bank is Rs.250 per instance of amendment

chosen as advising bank)
 ii. For passing on LC to the Rs.250 per LC / per instance of amendment
beneficiary which has been
advised by another Bank

iii. Adding confirmation to a letter

of credit (with prior permission
from sanctioning authority. This
permission is available only
with Head Office at present).
The indicative charges for Bank
with good standing are as
below.

a. Commitment charge (for the full 0.15% for every quarter or part thereof with
validity of the credit) a minimum of Rs.250

b. Usance charge (for the tenor of

the bills)

Up to 3 months sight 0.25% Min Rs.250

Above 3 months sight:

For the first 3 months 0.25%

For the remaining period 0.15% per month

Min Rs.500

Note: (i) For extension of LC exceeding 3 months from the date of the LC, additional
commitment charge shall be collected.

(ii) For enhancement in the amount of LC, both commitment and usance charge on
the enhanced portion shall be collected from the date of such enhancement.

iv. Advise of transfer (whether full or Each transfer Rs.500

in part)
Each amendment Rs.250
 IMPORT
2
COMMISSION ON IMPORT LC/STANDBY LCs
A
[To be collected on the total amount inclusive of interest amount and tolerance level]
i. For establishment of LC
a. Commitment charge 0.15% for every quarter or part thereof

(for the full validity of the credit i.e., Minimum of Rs.250

from the date of opening of the LC
to the last date for negotiation)

b. Usance charge

(according to the tenor of the bill)

For bills upto 3 months sight 0.20% Min Rs.250

Above 3 months:

For the first 3 months 0.20%

For the remaining period 0.075% per month

Min Rs.500
ii. For establishment of LC backed by 25% of 2.A.i
100% cash margin
Min Rs.500
iii. For amendment to LC
a. Extending the validity of the LC Commitment charge as per 2.A.i.a
beyond three months period
Min Rs.500
(On the outstanding liability under
the LC)
 b. Extending the usance period/tenor Usance charge as per 2.A.i.b

Min Rs.500
c. Enhancement in the value of LC Commitment and usance charge as

(On enhanced portion from the date per 2.A.i.a & b

of such enhancement)
Min Rs.500
d. Any other amendment Rs.500
iv. For revival or reinstatement of an
Commitment and usance charge as
expired LC
per 2.A.i.a & b (for the period from the date of
(At the option of the Bank within 3
expiry upto the validity period of the revived LC)
months from the date of expiry of LC)

B COMMISSION ON IMPORT BILLS UNDER LC

i. For retirement of Import Bill 0.15% Min Rs.500 Max Rs.1000
(Foreign Currency)
ii. For retirement of Import Bill 0.25% Min Rs.1000
(Rupee)
iii. For crystallization of Import Bill 0.15% Min Rs.1000 Max Rs.5000
(Foreign Currency)
iv. Discrepancy charges per Bill USD 50 or equivalent
Note: If the crystallization of the Rupee liability of an import bill under the Forward Exchange
Contract results in early / late delivery, swap charges and interest from the date of debit to
nostro account till the date of crystallization shall be collected (in consultation with ID)

C COMMISSION ON NON LC IMPORT BILLS

i. For retirement of Import Bill (Foreign 0.25% Min Rs.250 Max Rs.1000
Currency/ Rupee)
ii. For retirement of direct bill (i.e. 0.25% Min Rs.250 Max Rs.1000
received by importers from the
overseas exporters/banks) (Foreign
Currency/ Rupee)
 iii. For each advance remittance against 0.25% Min Rs.250 Max Rs.1000
imports
iv. For crystallization of Import Bill 0.25% Min Rs.500 Max Rs.5000
under buyers credit
v. For dishonor/return of bill USD 25.00 or its equivalent to be collected from
overseas suppliers / Bank.

3 CLEAN INSTRUMENTS
A INWARD REMITTANCES
i. Encashment/Purchase of
TT/MT/DDs drawn on our bank
a. Where cover has been received in Current TT buying rate
Nostro Account
b. Where cover has not been received Bills buying rate. Interest shall be recovered
in Nostro Account separately at applicable rate for a transit period of
15 days.
ii. Encashment/Purchase of personal Cheque purchase rate. Interest shall be recovered
cheques, demand drafts, separately at applicable rate for a transit period of
International money orders, 15 days.
bankers’ pay orders payable abroad
Note: It shall be optional for the encashing bank in India to pay on application or await receipt
of cover in respect of Demand Drafts/Mail Transfers/Telegraphic Transfers and pay
thereafter. Instruments will be purchased at the Authorised Dealer’s discretion and on
specific request from the customer.
iii. For each clean payment effected in Rs.100
Rupees under instructions from a
foreign correspondent where cover is
received.

(including advance payment towards

exports)
iv. For effecting the inward remittances USD 25 or equivalent (to be collected from the
in Foreign Currency by issuing beneficiary/beneficiary's banks as the case may be)
DD/SWIFT
 v. For instruments sent for collection 0.20% Min Rs.100 (Charges need not be collected if
abroad the proceeds of the instruments are invested in term
deposits for 1 year and above. However, if the term
deposit is prematurely closed within one year, then
applicable charges to be collected at the time of
closure of the term deposit)
vi. For Foreign Currency instruments OBC charges as applicable for inland transactions
sent for collection within India
Note: In case of (v) and (vi) above, if the proceeds are on account of export bill submitted and
received in our nostro in foreign currency only courier charges to be collected.

B OUTWARD REMITTANCES
i. For outward remittances 0.10% Min Rs.250 Max Rs.1500
ii. For Foreign Currency DD Rs.100.00
iii. For issue of duplicate Foreign
Currency DD

a. If original DD is surrendered
Rs.200.00
b. If original DD is not
surrendered Rs.1500.00
iv. For outward remittance from Charges need not be collected
NRE/FCNR A/Cs
v. For outward remittance on Charges need not be collected
account of Education Loan

4 GUARANTEES
i. For Guarantee in respect of
clearance of goods pending
production of BL/issue of delivery
order
a. Import under LC established by our Rs.750
bank
b. Others As applicable to Domestic Bank Guarantee
ii. Export performance guarantees for project Exports which include:

a) Bid Bonds

b) Bonds for earnest money

c) Guarantees for advance payments

made by foreign buyers to Indian Exporters/ contractors

A. In the case of guarantees covered by EPG of ECGC, banks shall collect commission at
0.45% where cover under EPG of ECGC is 75% and 0.35% where cover under EPG
of ECGC is 90%. In addition the ECGC premium at the applicable rates may be
collected and remitted to the ECGC.

B. In case of guarantees issued against 100% counter guarantees of the Government of

India, commission shall be charged at the rate of 0.30% per annum.

C. In case of guarantees issued against cash deposit to the extent of banks liabilities
commission shall be charged at the rate of 0.10% pa. with a minimum of Rs.200/-
and maximum of Rs.1,000/-

D. In case of performance guarantees which are not covered by cash deposits or

ECGC/Government of India counter guarantees commission shall be charged at the
rate of 2.5% p.a.

E. Commission for issuing bid-bonds for suppliers to projects carried out abroad shall be
recovered to the extent of 25% thereof for the full period of validity of the bonds at
the time of issue. If the bid materializes the balance 75% of the commission shall be
recovered.

However, if the bid gets frustrated there will not be refund of that part of the
commission collected
iii. Export performance guarantees, Bid-bonds etc. [other than for Project Exports] and export
performance guarantees covering export obligations in terms of import trade control
regulations and export performance guarantees / bid bonds connected with deemed exports
0.085% per month for the specified period of liability. Where the guarantee period is less than
three months, commission recoverable will be 0.25% of the guaranteed amount. In case of
early redemption of the guarantee a minimum of 50% of the commission for the unexpired
 period (i.e from the date of redemption to the expiry date) shall be refunded.

Commission for issuing bid bonds for supplies connected with deemed exports / directs
exports other than project exports shall be recovered to the extent of 25% thereof for the full
validity of the bonds at the time of issue. If the bid materializes, the balance 75% of the
commission shall be recovered. However, if the bid gets frustrated there will not be refund of
the part of the commission collected.
iv. Deferred payment guarantees covering imports of goods into India

0.50% per quarter or part thereof for the specified period of liability calculated on the amount
of liability under such guarantees at the beginning of every quarter.
v. All other guarantees / Buyers Credit/ Suppliers Credit/ ECB
0.15% per month for the specified period of liability. Where the guarantee period is less than
two months, commission recoverable shall be 0.25%. In case of early redemption 50% of the
commission be refunded for the unexpired period (i.e. From the date of redemption to the
expiry date of. the guarantee), provided unexpired period shall not be less than 3 months and
refundable amount exceeds Rs.200/-.The minimum charge for any guarantee shall be
Rs.500/-unless a lower charge is otherwise specified

5 COMMISSION IN LIEU OF EXCHANGE

1. Additional commission @ 0.125% with maximum of Rs.5000 shall be collected from the
exporter in case of following transactions:
i. Where pre-shipment advance has been granted by our bank against a letter of credit / export
order but the documents under the relative letter of credit/ export order are negotiated
through another bank.
ii. Where the proceeds of an export bill negotiated by our bank is paid in foreign currency to
another bank.
iii. Where an export bill is sent for collection abroad by our bank but the payment is received in
Rupees through another bank in India.
2. Additional commission as above shall not be collected in the following cases:
i. All debits and credit to EEFC account.
ii. Deemed export bills in foreign currency as defined by the Reserve Bank of India/ Exim
policy from time to time.

6 FORWARD EXCHANGE CONTRACTS

 i. For booking of forward contract Rs.500
Note: No charge in respect of exchange contracts booked on behalf of NRI customers against the
deposits held to cover the deposits.

7 PROCESSING CHARGES
Export Credit / Import Credit – (Funded 0.25% on the total export/ import credit limits
and Non-Funded) sanctioned with a maximum of Rs. 5,00,000 per
sanction/renewal
Note: In case both forex and domestic credit limits are sanctioned then processing charges
should be calculated separately at the rates prescribed for forex and domestic credit limits.
However, the maximum processing charges to be collected shall not exceed Rs. 15.00
lakhs for both Forex and domestic credit limits per renewal.

For Gold Card holders where limits are sanctioned for 3 years, the maximum processing
charges per renewal shall not exceed Rs.10.00 lakhs.

Guidelines mentioned under domestic processing charges are also applicable to forex
limits.

8 CERTIFICATES
Charges for issue of FIRC, E-BRC, Rs. 100/- per certificate/ attestation.
attestation in respect of export
transactions and any other certificates.

9 MISCELLANEOUS INSTRUCTIONS
i. Courier/Postage charges are to be collected at the time of lodging the export bill
irrespective of whether the bill is financed or handled on collection basis.
ii. In case of merchant trade transactions, commission for import leg as well as export leg
shall be collected separately at applicable rates.

Note: As per the existing guidelines, 50% of the normal charges are collected in case of Gold Card holders. Please note that 50% concession is
applicable for the stipulated percentage of commission and maximum charges only and not for minimum charges stipulated.
FEATURES & SERVICE CHARGES FOR MULTI BRANCH BANKING FACILITY – CURRENT ACCOUNTS

I. Requirement of Balance: (Amount in `)

Current A/c General CA - CA - CA - CA –MoneyDiamond Plus CA -
(CAGEN) MoneyPearl MoneyRuby MoneyDiamond (Introduced on 01.04.2014) MoneyPlatinum
TIERS
Rural &
Urban &
Monthly Average Balance Semi
Metro `. 50,000 `.1,00,000 `.3,00,000 `.5,00,000 `.10,00,000
(MAB) # to be maintained Urban
`.3,000/- `.5,000/-
Daily Minimum Balance
-N.A- -N.A- -N.A- -N.A- -N.A- `.3,00,000/- `.5,00,000/-
(DMB) * to be maintained
#MAB is average of daily closing balance over the number of days in the month & calculated at the end of the month.
*DMB is end of the day balance.
II. Cash withdrawal facilities & charges.
At Base Branch (Subject to
rules & regulations in force Free. Free. Free. Free. Free. Free.
from time to time)
Free up to
`.50000/- per Free up to `. 1
Free up to `.3 lacs
Free up to `.15,000/- per day, thereafter, lac per day,
At Non-Base Branch per day thereafter,
day, thereafter, `.3/- per `.3/- per thereafter, `.3/-
`.3/- per thousand Free up to `.5 lacs per day thereafter, `.3/- per thousand
thousand or part thereof thousand or per thousand or
For self cheques (Account or part thereof or part thereof with a minimum of `.30/-.
with a minimum of part thereof part thereof with
holder only) -Maximum with a minimum
`.30/- with a a minimum of
withdrawal is `.10 lacs per of `.30/-.
minimum of `.30/-
day.
`.30/-.
Maximum cash withdrawal allowed per day through 3rd party cheques is `.15000/- for CA Gen account and `.1,00,000/- per day for all
other schemes.
The above cash withdrawals at non base branches are only with prior intimation and its approval by the paying branch.
III. Payment of Multicity Cheques and charges thereon.
For all centers Free Free Free Free Free Free
IV. Fund transfer from one account to any other account of the same/other customer within KBL (Such debits are to be supported by
cheque):
For all centers Free. Free. Free. Free. Free. Free
V. Fund transfer from one account to any other account across Banks (Such debits are to be supported by cheque):
For Payment Through NEFT: Free 50 Free 100 Free 150
through Up to `10,000/- `2.50/- RTGS/NEF RTGS/NEF RTGS/NEFT
RTGS/NEFT From `10,001/- up to `1.00 T T facilities per
systems lakh- `.5/- facilities per facilities per month for any
(Such debits are to month for any month for any amount Free.
be supported by Above `1.00 lakh upto `. 2.00 Thereafter, Thereafter, Thereafter,
cheque and to be lakhs - `. 15/- charges as charges as charges as
accompanied by Above ` 2.00 lakhs - `. 25/- applicable to applicable to applicable to
RTGS/NEFT form general accounts general accounts general accounts
duly signed by Through RTGS:
account holder) Above ` 2.00 lakhs upto `
Demand Draft From Any5.00 lakhs(By
Branch - `. 25/-.
debit to the account). However, DD Cancellation, Marking and Reverting of Lost DD will be handled only at the branch where the DD
was issued.
Free 25 DD
Demand Draft facility per
(Such debits are to be `.2/1,000 with a month for any
supported by cheque and minimum of `.20/- amount Free 30 DD facility per month for any amount Thereafter, charges as
Free
to be accompanied by DD and maximum of Thereafter, applicable to general accounts
application form signed by `. 10,000/- charges as
account holder) applicable to
general accounts
VI. Collections
upto `.5 lakhs –
upto `.3 lakhs –
Cash Deposit at base- FREE. upto `.10 lakhs
FREE. upto `.25 lakhs –
branch. (For Deposit in `.5 lakh to – FREE.
`.3 lakh to `.10lakhs – FREE.
single day) (Subject to rules `.10lakhs – Above `.10 Free Free
`.100/- per lakh Above `.25 lakhs
& regulations in force from `.100/- per lakh lakhs `.200/-
Above `.10 lakhs `.200/- per lakh.
time to time) Above `.10 lakhs per lakh.
`.200/- per lakh.
`.200/- per lakh.
upto `.3 lakhs –
Anywhere Cash Deposit- i.e. Free upto `.10
FREE. Free upto `.5 Free upto `.25
at other than base branch. lacs per day.
`.3 lakh to `.10lakhs – lacs per day. lacs per day. Free upto `.25 lacs per day.
By Self (Account Holder) Beyond that Free
`.100/- per lakh Beyond that Beyond that Beyond that `.200/- per lakh.
only. `.200/- per
Above `.10 lakhs `.200/- per lakh. `.200/- per lakh.
lakh.
`.200/- per lakh.
Depending on Cash position at Branches, for cash deposit in smaller denomination of below `100/-, branch may charge additional charges of ` 1/- per thousand.
Cheque Collection & Charges thereon
At base location – within the Free.
Free. Free. Free. Free. Free.
clearing zone.
At non-base location Number of instruments under the free limit should not be more than 100per month. Above that, from the next transaction onwards,
charges as indicated are applicable, even if the aggregate value is within free limit
 REVISED FEATURES & SERVICE CHARGES FOR MULTI BRANCH BANKING FACILITY - SB ACCOUNTS [Amount in `]

I. Requirement of Balance:

SB-General SB-Salary
SB-MoneySapphire SB-Money SB-Kishore SB-Tarun SB-Vanitha
[SBGEN] & Others Privilege
TIERS Platinum

With Cheque Book;

Monthly Average Balance `.1000/-

`.10,000/- `.3,00,000/- -NA- -NA- -NA- `.1000/-

[MAB] # to be maintained Without Cheque Book

facility; `.200/-

#MAB is average of daily closing balance over the number of days in the month & calculated at the end of the month.

II. Cash withdrawal facilities & charges.

At Base Branch[Subject to Free with a per

rules & regulations in force Free. Free Free transaction limit Free Free Free

from time to time] of `.50,000/-

Free up to Free up to Free up to Free up to

At Non-Base Branch Free up to `.1,00,000/-
Free up to `.2,00,000/- per `.5,00,000/- per day, `.1,00,000/- per `.1,00,000/- per `.1,00,000/- per
For self cheques per month, thereafter,

month, thereafter, `.2/- per thereafter, `.2/- per month, thereafter, month, thereafter, month, thereafter,
[Account holder only] - `.2/- per thousand or -NA-
thousand or part thereof thousand or part `.2/- per thousand or `.2/- per thousand or `.2/- per thousand
Maximum withdrawal is part thereof with a
with a minimum of `.25/- thereof with a part thereof with a part thereof with a or part thereof with
`.10 lacs per day. minimum of `.25/-
minimum of `.25/- minimum of `.25/- minimum of `.25/- a minimum of `.25/-
 The above cash withdrawals at non base branches are allowed only with prior intimation and its approval by the paying branch.

III. Payment of Multicity Cheques and charges thereon [Clearing]

At All centers Free -NA- Free

IV. Fund transfer from one account to any other account of the same/other customer within KBL [Such debits are to be supported by cheque]:

At All centers Free -NA- Free

V. Fund transfer from one account to any other account across Banks: [Such debits are to be supported by cheque and to be accompanied by
RTGS/NEFT form duly signed by account holder]:

Above ` 5.00 lakhs - `.

Free 30 NEFT
Through NEFT: 50/- /RTGS per
month for any
Up to `10,000/- amount
Through
NEFT: Up to
Free up to `.50,000 per `2.50/-
`10,000/-`2.50/-
Thereafter
month [through NEFT]. From `10,001/- up to Through NEFT:

From `10,001/- up to Thereafter Through `1.00 lakh- `.5/-

`1.00 lakh- `.5/-Above Up to
`1.00 lakh upto `. 2.00 NEFT: Above `1.00 lakh `10,000/-
lakhs - `. 15/-Above ` `2.50/-
2.00 lakhs - `. 25/- Up to `10,000/- `2.50/- upto `. 2.00 lakhs - `.

From `10,001/- up to 15/- From `10,001/- up

to `1.00 lakh- `.5/-
Through RTGS: `1.00 lakh- `.5/- Above ` 2.00 lakhs - Above `1.00 lakh
For Payment through
Above ` 2.00 lakhs upto `. 2.00 lakhs -
RTGS/NEFT systems
upto ` 5.00 lakhs - `. `. 15/-
Above `1.00 lakh upto `. `. 25/-
25/-.
Free. -NA-
Above ` 2.00
Above ` 5.00 lakhs - 2.00 lakhs - `. 15/- Through RTGS: lakhs - `. 25/-
`. 50/-
Above ` 2.00 lakhs - `. Above ` 2.00 lakhs
Through RTGS:
25/- upto ` 5.00 lakhs - `.
Above ` 2.00 lakhs
upto ` 5.00 lakhs -
Through RTGS: 25/-. `. 25/-.
Above ` 2.00 lakhs upto ` Above ` 5.00 lakhs -
Above ` 5.00
5.00 lakhs - `. 25/-. `. 50/- lakhs - `. 50/-
 From `10,001/- up to Above ` 2.00 lakhs Above ` 2.00 lakhs Above ` 5.00 lakhs
Through NEFT: Up `1.00 lakh- `.5/-Above upto ` 5.00 lakhs - `.
to `10,000/-`2.50/- `1.00 lakh upto `. 2.00 25/-.
lakhs - `. 15/- - `. 25/-Through RTGS: - `. 50/-

Demand Draft From Any Branch [By debit to the account] However, DD Cancellation, Marking and Reverting of Lost DD will be handled only at the branch where the DD was
issued.
 `.2/1,000 with a `.2/1,000 with a `.2/1,000 with a `.2/1,000 with a

Free up to `.50,000/- per minimum of `.20/- and minimum of `.20/- minimum of `.20/- minimum of `.20/-
DemandDraft[issuing
month. Thereafter, maximum of `. and maximum of `. and maximum of `. and maximum of `.
branch has to ensure that `.2/1,000 with a

the DD Applicant is the minimum of `.20/- and `.2/1,000 with a minimum 10,000/-[However, 10,000/-[However, 10,000/- 10,000/-

of `.20/- and maximum of DD for all types of DD for all types of

account holder, such debits maximum of`.
`. 10,000/- examination fee, examination fee,
are to be supported by 10,000/-
prospectus fee & prospectus fee &
cheques] Free.
tuition fee will be tuition fee will be

issued free of charges] issued free of

charges]
Maximum number of DD
Maximum number of
per month under the free
Maximum number of DD per month under
limit is restricted to 50
DD per month under the free limit is

the free limit is restricted to 50

restricted to 50
VI. Collections

Cash Deposit at base-

branch. [Subject to rules &

Free Free Free Free Free Free Free
regulations in force from

time to time]

Anywhere Cash Deposit-

i.e. at other than base

branch by self [account Free Free Free Free Free Free Free

holder or person

authorized by him only.]

Cheque Collection & Charges thereon: Deposit by anybody and at any Branch. [Subject to rules & regulations in force from time to time]

At base location – within

Free. Free. Free. Free. Free. Free. Free.
the clearing zone.

Outstation Cheque Collection: Deposit by anybody and at any Branch. [Subject to rules & regulations in force from time to time]

Upto and including Upto and including Upto and including Upto and including Upto and including

`.5,000/- `.25/- `.5,000/- `.25/- `.5,000/- `.25/- `.5,000/- `.25/- `.5,000/- `.25/-
Commission For Outstation

Cheque Collection [Obc] From `.5,000/- upto & From `.5,000/- upto From `.5,000/- upto From `.5,000/- upto From `.5,000/- upto

including `.10,000/- & including & including & including & including

[For Cheques drawn on `.50/- `.10,000/-`.50/- `.10,000/-`.50/- `.10,000/-`.50/- `.10,000/-`.50/-

Free up to `.1 lac per
other Banks Collection of
 From `.10,000/- upto month. Thereafter, charges Free. From `.10,000/- From `.10,000/- upto From `.10,000/- upto From `.10,000/-
Instruments drawn on
& including as applicable to SB- upto & including & including & including upto & including
other centers are
`.1,00,000/- `.100/- General accounts. `.1,00,000/- `.100/- `.1,00,000/- `.100/- `.1,00,000/- `.100/- `.1,00,000/- `.100/-
chargeable]

Above `.1,00,000/- `.2 Above `.1,00,000/- Above `.1,00,000/- Above `.1,00,000/- Above `.1,00,000/-

per `.1,000/- or part `.2 per `.1,000/- or `.2 per `.1,000/- or `.2 per `.1,000/- or `.2 per `.1,000/- or

thereof Min.`.200/- part thereof part thereof part thereof part thereof

Max `.20,000/- Min.`.200/- Max Min.`.200/- Max Min.`.200/- Max Min.`.200/- Max

`.20,000/- `.20,000/- `.20,000/- `.20,000/-

Note: Branch should lodge the instruments in Finacle Menu Option BM.
commission for outstation

cheque collection for cheque

No Charges No Charges No Charges No Charges No Charges No Charges No Charges

drawn on our bank branch

No Charges No Charges No Charges No Charges No Charges No Charges No Charges

Speed clearing

Other Bank charges if any & other charges, service tax etc. if any shall be levied extra.

Classic Debit card Classic Debit card Classic Debit card Classic Debit card with per day cash

MoneyPlant Visa Debit with per day cash with per day cash with per day cash withdrawal limit of `.25,000/- and POS limit
Gold Debit card with per day cash withdrawal
Card to eligible account withdrawal limit of withdrawal limit of withdrawal limit of of `.50,000/-.
limit of `.40,000/- and POS limit of `.1,00,000/-.
holders. `.25,000/- and POS `.10,000/- and POS `.25,000/- and POS

limit of `.50,000/-. limit of `.5,000/-. limit of `.30,000/-.

Internet Banking – Registration Free. Fund transfer within the Bank [subject to ceiling], Utility Cyber Kid facility – Registration Free. Fund transfer within the Bank [subject to ceiling],

MoneyClick. bill payment etc, will not attract any charge from bank side. registration free Utility bill payment etc, will not attract any charge from bank side.

SMS Alert on all type of transactions [customer induced] of `.1,000/- and above - Free .
SMS Alerts [if subscribed].
Below the limit `.1/- per SMS.

VII. Cheque Return Charges [in respect of Cheques Drawn by the account holders]

If the cheque Amount upto `.10,00,000/-then `.100/- per instrument

Both Local and out station

cheques returned If the Cheque Amount is more than `.10,00,000/- then `.1,000/- per instrument.
VIII. Charges for non-maintenance of stipulated MAB:

Premium Accounts:

Existing Revised

Charges for

Actual MAB non-

required to maintenance of
Scheme Shortfall in MAB (in all
be MAB* Charges*
Name Premium Category of
maintained [Irrespective of (` per month)
accounts)
(amt in `) amount of

shortfall]

(` per month)
Charges for non-

maintenance of stipulated SB-Money

3,00,000 200 Upto 10% 50
MAB. Platinum

[SMS Alert will be sent if

SB-Money
MAB is not maintained in 1,00,000 200 10% & above upto 50% 200
Ruby

a month]

SB-Money
10,000 200
Sapphire
50% and above 400
Insurance 15,000 50
Linked SB
Ordinary Accounts:

i) Ordinary Savings Bank accounts with cheque book facility:

Existing Revised

Charges for
Shortfall in MAB (in all
Actual MAB non-
Ordinary Savings Bank Charges*
required to maintenance
accounts with cheque (` per month)
Scheme Name be of MAB*
book facility)
maintained [Irrespective of

(amt in `) amount of
Upto 10% 10
shortfall]

(` per month)
10% & above upto 50% 50
KBL-Vanitha 1,000 50

SB-General 50% and above 100

[With Cheque 1,000 50

Book Facility]

SB-NRE 1,000 50

SB-NRO &

other category 1,000 50

of accounts

ii) Ordinary Savings Bank accounts without cheque book facility:

Existing Revised

Charges for

Actual MAB non-

 required to maintenance of
Charges*
Scheme Name be MAB*
Shortfall in MAB (` per
maintained [Irrespective of
month)
(amt in `) amount of

shortfall]

(` per month)

SB-General Upto 10% 5

[Without 10% & above upto 50% 25

200 50
Cheque Book
50% and above 50
Facility]

IX. Cheque Book Charges

Free unlimited 50 cheque leaves will be free in a calendar year thereafter, `.4/- per

50 cheque leaves will be free in a calendar year number of cheque leaf.

Cheque book charges -NA-
thereafter, `.4/- per cheque leaf. personalized

cheque books.

`.50/- per instrument `.50/- per instrument

Stop payment charges -NA-
Maximum of `.250/- per instruction Maximum of `.250/- per instruction

X. Statement of Account: Free monthly e-statements are available on request.

NB: 1. Base Branch/ Location refers to the Branch where the customer maintains his MBB Account.

2. All charges, wherever mentioned, are exclusive of Service Tax, Surcharge etc wherever applicable.

3. All charges and Limits are subject to change.

4. Proceeds of cheque/s deposited for collection will be available for utilization only after realization.

5. Charges for any services not covered herein shall be at the prevailing rates as per Annexure A.

6. A customer is eligible to have MBB account in the Bank under any one particular tier only.

7. ‘Month’ means a calendar month and ‘Year’ means a financial year [April to March] if not specified otherwise.
 Name SB-Money Ruby

I. Requirement of Balance:
Monthly Average Balance ` 1,00,000/

[MAB] # to be maintained

#MAB is average of daily closing balance on closing balance basis over the number of days in the month & calculated
at the end of the month.

II. Cash withdrawal facilities & charges.

At Base Branch[Subject to rules

& regulations in force from time Free. to time]

At Non-Base Branch-

For self cheques [Account

Free up to `.5 lacs per day thereafter, `.3/- per thousand or part thereof with a

holder only] -Maximum

minimum of `.30/-.

withdrawal is ` 10 lacs per

day.

The above cash withdrawals are allowed only with prior intimation and its approval by the paying branch.

III. Payment of Multicity Cheques and charges thereon.

At all centres Free

IV. Fund transfer from one account to any other account of the same/other customer within KBL
[Such debits are to be supported by cheque]:

At all centre Free.

V. Fund transfer from one account to any other account across Banks [Such debits are to be
supported by cheque]:

For Payment through RTGS/NEFT systems

 gh NEFT: Up to `10,000/-
Free 30 NEFT /RTGS `2.50/-
per month for any
amount
From `10,001/- up to `1.00 lakh- `.5/-Above
`1.00 lakh upto `. 2.00 lakhs - `. 15/-Above `
T 2.00 lakhs - `. 25/-
h
e
r Through RTGS:
e
a
f
t Above ` 2.00 lakhs upto ` 5.00 lakhs - `. 25/-.
e Above ` 5.00 lakhs - `. 50/-
r

T
h
r
o
u

Demand Draft From Any Branch [By debit to the account]. However, DD Cancellation, Marking and
Reverting of Lost DD will be handled only at the branch where the DD was issued.

Free 30 DD facility per month for any amount

DD

Thereafter, `.2/1,000 with a minimum of `.20/- and maximum of `.10,000/-

VI. Collections

Cash Deposit at base-branch.

[Subject to rules & regulations Free in force from time to time]

Cash Deposit at non-base branch

by self [account holder or person Free authorized by him/her] only

Depending on Cash position at Branches, for cash deposit in smaller denomination of below `100/-,
branch may charge additional charges of ` 1/- per thousand.
Speed clearing Free
Outstation Cheque Collection: Deposit by anybody at any branch [Subject to rules & regulations in force from
time to time]

commission for outstation

cheque collection for cheque Free drawn on our bank branch

COMMISSION FOR

OUTSTATION CHEQUE

Free
COLLECTION [OBC]

Note: Branch should lodge the instruments in Finacle Menu Option BM.
[For Cheques drawn on

other Banks]

Other Bank charges if any & other charges, service tax etc. if any shall be levied
extra.

VII. Cheque Return Charges [in respect of Cheques Drawn by the account holders]

If the cheque Amount upto `.1,00,0000/-then `.100/- per instrument

Both Local and out station

If the Cheque Amount is more than `.1,00,0000/- then `.1,000/- per instrument.
cheques' returned

VIII. Charges for non-maintenance of stipulated MAB:

 Premium Accounts:

Charges for non-

maintenance of stipulated Existing Revised
MAB.
Charges for

Actual non-

MAB maintenance Shortfall in

Scheme required to of MAB* MAB (in all Charges*

Name be [Irrespective Premium (` per

maintained of amount of Category of month)

(amt in `) shortfall] accounts)

(` per

month)

SB-

Money 3,00,000 200 Upto 10% 50

Platinum

SB-
10% & above
Money 1,00,000 200 200
upto 50%
Ruby

SB-

Money 10,000 200

Sapphire
50% and above 400
Insurance

Linked 15,000 50

SB

Ordinary Accounts:

i) Ordinary Savings Bank accounts with cheque book facility:

Existing Revised

Charges for
 Actual non- Shortfall in

MAB maintenance MAB (in all

Scheme required to of MAB* Ordinary Charges*

Name be [Irrespective Savings Bank (` per

maintained of amount of accounts with month)

(amt in `) shortfall] cheque book

(` per facility)

month)

KBL-
1,000 50 Upto 10% 10
Vanitha

SB-General
10% & above
[With 1,000 50 50
upto 50%
Cheque
Book

Facility]

SB-NRE 1,000 50

SB-NRO &

other 50% and above 100

1,000 50
category of

accounts

ii) Ordinary Savings Bank accounts without cheque book facility:

Existing Revised

Charges for

Actual non-

MAB maintenance

Scheme required to of MAB* Charges*

Shortfall in
Name be [Irrespective (` per
MAB
maintained of amount of month)

(amt in `) shortfall]

(` per

month)

SB- Upto 10% 5

General 10% & above

25
[Without upto 50%

1
 200 50
Cheque

Book 50% and above 50

Facility]

IX. Cheque Book

Charges

Cheque Book charges Free unlimited number of personalized cheque books.

`.50/- per instrument

Stop payment charges
Maximum of `.250/- per instruction

MoneyPlant Visa Gold Debit Gold card with per day cash withdrawal limit of `.40000/- and POS limit of

Card. `.1,00,000/-.

Registration Free. Fund transfer within the Bank [subject to ceiling], Utility bill
Internet Banking – MoneyClick.
payment will not attract any charge from bank side.

Online Payment through Debit Free – For more information and for registration visit branch or

Card [E-commerce] www.karnatakabank.com

Mobile payments Services [M- Free – For more information and for registration visit branch or

commerce] www.karnatakabank.com

SMS Alerts if subscribed. SMS alert on all transactions [customer induced] of `1,000/- and above – Free

2
 Below the limit `.1/- per SMS.

X. Statement of Account: Free monthly e-statements are available on request.

NB: 1. Base Branch/ Location refers to the Branch where the customer maintains his MBB Account.

2. All charges, wherever mentioned, are exclusive of Service Tax, Surcharge etc wherever applicable.

3. All charges and Limits are subject to change.

4. Proceeds of cheque/s deposited for collection will be available for utilization only after realization.

5. Charges for any services not covered herein shall be at the prevailing rates as per Annexure A.

6. A customer is eligible to have MBB account in the Bank under any one particular tier only.

7. ‘Month’ means a calendar month and ‘Year’ means a financial year [April to March] if not specified otherwise.

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