Karnataka Bank Ltd.
REVISED
CHARGES (Excluding applicable Service Tax)
MULTI
BRANCH BANKING FACILITY -
SB ACCOUNTS: (Amount in Rs.)
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I. Requirement of
Balance: |
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SB-General (SBGEN) |
SB-MoneySapphire |
SB-Money Platinum |
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Monthly Average Balance (MAB) # to be maintained |
With Cheque Book; Rs.1000/- |
Rs 10,000 |
Rs.5,00,000/- |
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Without Cheque Book facility;
Rs.200/- |
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#MAB is
average of daily closing balance over the number of days in the month &
calculated at the end of the month. |
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II. Cash withdrawal facilities & charges. |
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At Base Branch(Subject to rules & regulations
in force from time to time) |
Free. |
Free |
Free |
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At Non-Base Branch For
self cheques -Maximum
withdrawal is below Rs 10 lacs per day. |
Free up
to Rs.1,00,000/- per month, thereafter, Rs.2/- per thousand or part thereof
with a minimum of Rs.25/- |
Free up
to Rs.2,00,000/- per month, thereafter, Rs.2/- per thousand or part thereof
with a minimum of Rs.25/- |
Free up
to Rs.5,00,000/- per month, thereafter, Rs.2/- per thousand or part thereof
with a minimum of Rs.25/- |
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The above cash withdrawals are allowed only with
prior intimation and its approval by the paying branch. |
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III. Payment of Multicity Cheques and charges thereon. |
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For
Payment at Speed Clearing Centres At all
other centres |
Free Free up to Rs.25,000/- per month, thereafter per transaction
Rs.1/1000 minimum Rs.10/ and maximum Rs.50/ |
Free Free up to Rs.1,00,000/- per month, thereafter per transaction
Rs.1/1000 minimum Rs.10/ and maximum Rs.50/ |
Free Free |
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IV. Fund transfer
from MBB Account to any other account of the same/other customer within KBL
(Such debits are to be supported by cheque and to be effected only by base
branch): |
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Within the same Clearing Zone(Subject to rules
& regulations in force from time to time) |
Free. |
Free. |
Free. |
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Outside the Clearing Zone |
Free up to Rs.25,000/- per month,
thereafter per transaction Rs.1/1000
minimum Rs.10/ and maximum Rs.50/ |
Free up to Rs.1,00,000/- per month,
thereafter per transaction Rs.1/1000
minimum Rs.10/ and maximum Rs.50/ |
Free. |
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V. Fund transfer
from MBB Account to any other account across Banks: (Such debits are to be
supported by cheque and to be effected only by base branch): |
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For Payment through RTGS/NEFT systems |
As per Annexure A (Sl. No. 2 & 3). |
Free up to Rs.50,000 per month
(through NEFT). Thereafter as per Annexure A (Sl. No. 2
& 3). |
Free. |
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DD/PO From Any Branch
(By debit to the account) However,
DD Cancellation, Marking and Reverting of Lost DD, and Issuance of
Duplicate DD will be handled only at the branch where the DD was issued. |
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DD/
Local DD/ Bankers Cheque/Pay-Orders (issuing branch has to ensure that the DD
Applicant is the account holder) |
As per Annexure A (Sl. No. 1 & 4). |
Free up
to Rs50,000/- per month. Thereafter, as per Annexure A (Sl. No. 1 & 4). |
Free. |
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VI. Collections |
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Cash Deposit at base-branch. (Subject to rules
& regulations in force from time to time) |
Free |
Free |
Free. |
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Anywhere
Cash Deposit- i.e. at other than base branch by self (account holder or person authorized by him) only. |
Free up
to Rs.25,000/ per month. Beyond that @ Rs3/- per Rs. 1000/ or part thereof
with a min. of Rs. 25/- |
Free up
to Rs.1 Lac per month. Beyond that @ Rs3/- per Rs. 1000/ or part thereof with
a min. of Rs. 25/- |
Free up to Rs.5 Lac per month.
Beyond that @ Rs3/- per Rs. 1000/ or part thereof with a min. of Rs. 25/- |
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1.In case of fund transferred to
MBB account from any other account within the base branch or from a local
branch,wherein the origin of such fund is on account of cash deposit,
charges as applicable to the respective tier of the cash deposited account
shall be levied and collected. 2.As it is difficult to ascertain
the utilization of Free Limit, wherever exists and Charges thereon for cash
remittance at Non-base branches, Data Centre will issue necessary guidelines
on collection of applicable charges. |
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Cheque
Collection & Charges thereon: Deposit by anybody and at any Branch. (Subject
to rules & regulations in force from time to time) |
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At
base location within the clearing zone. |
Free. |
Free. |
Free. |
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Outstation
Cheque Collection: Deposit by anybody and at any Branch. (Subject
to rules & regulations in force from time to time) |
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Outstation
cheque/s deposited at the Base branch/ at the place of payment / at a place
other than the place of payment and the base branch. |
Permitted
with OBC/Fast Collection / Speed Clearing charges as
per Annexure A (Sl. No. 8). |
Free up to Rs.1 lac per month.
Thereafter, OBC/Fast Collection / Speed Clearing charges as
per Annexure A (Sl.No. 8). |
Free. |
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Collection through NEFT (National
Electronic Fund Transfer)* and RTGS (Real Time Gross Settlement) |
Free (Subject to rules & regulations in force from
time to time) |
Free (Subject to rules & regulations in force from
time to time) |
Free. |
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MoneyPlant Visa International Debit Card to
eligible account holders. |
With per day cash withdrawal
limit of Rs.15000/- and POS limit of Rs.25000/-. |
Gold card with
per day cash withdrawal limit of Rs.25000/- and POS limit of Rs.1,00,000/-. |
Gold card with
per day cash withdrawal limit of Rs.25000/- and POS limit of Rs.1,00,000/-. |
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Internet Banking MoneyClick. |
Registration Free. Fund transfer
within the Bank (subject to ceiling), Utility bill payment etc, will not
attract any charge from bank side. |
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SMS Alerts, if subscribed. |
SMS Alert on all debit
transactions (customer induced) of
Rs.5,000/- and above - Free for the first 1 year from the date of
introduction of the facility. Thereafter as decided by the bank from time to
time. |
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Demat Account |
Account opening charges-NIL-. |
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VII. Cheque Return Charges (in respect of Cheques Drawn by the
account holders) |
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Presented for payment through Clearing / Directly presented # |
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Local cheques' return owing to reasons other than
insufficient funds |
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Outstation cheques' return owing to reasons other
than insufficient funds. |
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#
Presented across the counter or through post. |
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Charges
on Deposited Cheques (collection) Returned: other bank charges, any other charges, service
tax etc. if any as per Annexure A (Sl. No. 9) to be collected by the base
branch. |
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VIII. Charges for non-maintenance of stipulated MAB: |
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Charges for non-maintenance of stipulated
MAB. |
With
Cheque Book Rs.50/- per month plus the actual commission/charges for the
total amount of free limit utilized in
the particular month. SMS Alert if MAB
is not maintained in a month |
Rs.200/-
p.m. and the total amount of
concession availed in the particular month, & the account should be
converted into a SMS Alert if MAB is not
maintained in a month |
Rs.200/- p.m. and the total amount of concession availed in
the particular month, & the account should be converted into a SMS Alert if MAB is not maintained in a month |
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Without
Cheque Book Rs.10/- per month. plus the actual commission/charges for the
total amount of free limit utilized in
the particular month. SMS Alert if MAB
is not maintained in a month |
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IX. Cheque Book Charges |
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Non-MICR/MICR / Multi-City Cheques |
3
cheque books of 25 leaves each will be free in a calendar year thereafter,
Rs.3/- per cheque leaf. |
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Stop payment charges |
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X. Statement of
Account: Free monthly e-statements are
available on request. (For duplicate: charges as per Annexure
A (Sl. No. 14) Pass book up dating
at any branch. However, issuance of statement of account and issuance of
duplicate Pass Book will be handled at Base branch only. |
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NB:
1. Base Branch/ Location refers to the Branch where the customer
maintains his MBB Account. |
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2. All charges,
wherever mentioned, are exclusive of Service Tax, Surcharge etc wherever
applicable. |
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3. All
charges and Limits are subject to change. The maximum ceiling on charges
wherever applicable is as per Annexure A. |
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4.
Proceeds of cheque/s deposited for collection will be available for
utilization only after realization. |
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5.
Charges for any services not covered herein shall be at the prevailing rates
as per Annexure A. |
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6. A
customer is eligible to have MBB account in the Bank under any one particular
tier only. |
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7.
Month means a calendar month and Year means a financial year (April to
March) if not specified otherwise. |
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8. In
the above accounts, if the number of withdrawals (customer induced debits)
exceeds 50 in any half year, charges are applicable@Rs.1/-
per transaction. |
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MULTI
BRANCH BANKING FACILITY - CURRENT ACCOUNTS:
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I. Requirement of
Balance: |
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Current A/c General
(CAGEN) |
CA -MoneyPearl |
CA - MoneyRuby |
CA -MoneyDiamond |
CA -MoneyPlatinum |
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Monthly Average Balance (MAB) # to be maintained |
Rural & Semi Urban |
Urban & Metro |
Rs. 50,000 |
Rs.1,00,000 |
Rs.3,00,000 |
Rs.15,00,000 |
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Rs.3000/- |
5000/- |
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Daily Minimum Balance (DMB) * to be maintained |
-N.A- |
-N.A- |
-N.A- |
-N.A- |
-N.A- |
Rs.5,00,000/- |
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#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. Non-maintenance
of Minimum Balance charges and other service charges on CAGEN will be as per
Annexure A (Sl. No.10). |
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II. Cash withdrawal facilities & charges. |
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At Base Branch (Subject to rules &
regulations in force from time to time) |
Free. |
Free. |
Free. |
Free. |
Free. |
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At
Non-Base Branch |
Free up to Rs.15,000/- per day,
thereafter, Rs.3/- per thousand or part thereof with a minimum of Rs.30/- |
Free up
to Rs.50000/- per day, thereafter, Rs.3/- per thousand or part thereof with a
minimum of Rs.30/-. |
Free up to Rs 1 lac per day,
thereafter, Rs.3/- per thousand or part thereof with a minimum of Rs.30/- |
Free up to Rs.3 lacs per day
thereafter, Rs.3/- per thousand or part thereof with a minimum of Rs.30/-. |
Free up to Rs.5 lacs per day
thereafter, Rs.3/- per thousand or part thereof with a minimum of Rs.30/-. |
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Maximum
cash withdrawal allowed per day By Self is less than Rs.10 Lakhs in all
schemes. Maximum
cash withdrawal allowed per day through 3rd party cheques is
Rs.15000/- for CA Gen account and Rs.50,000/- per day for all other
schemes. |
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The
withdrawals at non base branches are only with prior intimation by the
account holder and its approval by the paying branch. |
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III.
Payment of Multicity Cheques and charges thereon. Number of transactions per month 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 are applicable as indicated, even if the
aggregate value is within free limit |
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For
payment at Speed Clearing Centres At all
other centres |
Free Multi
City Cheque facility is available with a charge of Re.1/- per thousand with a
minimum of Rs.10/-. |
Free Free up
to Rs.75 lacs per month, thereafter Re.1/- per Rs.1000 or part thereof with a
Min of Rs 10/-. (maximum number of transactions per month under the free
limit is 100) |
Free Free up
to Rs.150 lacs per month, thereafter
Re.1/- per Rs.1000 or part thereof with a Min of Rs 10/-. (maximum
number of transactions per month under the free limit is 200) |
Free Free up
to Rs.400 lacs per month, thereafter Re.1/- per Rs.1000 or part thereof with
a Min of Rs 10/-. (maximum
number of transactions per month under the free limit is 300) |
Free Free |
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IV. Fund transfer
from MBB Account to any other account of the same/other customer within KBL
(Such debits are to be supported by cheque and to be effected only by base
branch): Number of transactions under
the free limit, outside the clearing zone should not be more than the number
mentioned there on for each scheme. Above that, charges are applicable as
indicated, even if the aggregate value is within free limit. |
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Within the same Clearing Zone (Subject to rules
& regulations in force from time to time) |
Free. |
Free. |
Free. |
Free. |
Free. |
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Outside the Clearing Zone |
Per
transaction, Rs.1/1000 minimum Rs.10/
and maximum Rs.50/ |
Per day trans. of total value up
to Rs5 lac is free. Thereafter, per transaction Rs.1/1000
minimum Rs.10/ and maximum s.50/ (maximum number of transactions
per day under the free limit is 10) |
Per day trans. of total value
upto Rs20 lacs is free. Thereafter, per transaction Rs.1/1000 minimum Rs.10/
and maximum Rs.50/ (maximum number of transactions
per day under the free limit is 20) |
Per day trans. of total value
upto Rs50 lacs is free. Thereafter, per transaction Rs.1/1000 minimum Rs.10/
and maximum Rs.50/ (maximum number of transactions
per day under the free limit is 30) |
Free. |
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V. Fund transfer
from MBB Account to any other account across Banks (Such debits are to be
supported by cheque and to be effected only by base branch): 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. |
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For Payment through RTGS/NEFT systems |
Free up
to Rs.25 lacs per month. There after as per Annexure A (Sl. No. 2 & 3) (maximum
number of transactions per month under the free limit is 50) |
Free up
to Rs.50 lacs per month. There after as per Annexure A(Sl. No. 2 & 3) (maximum
number of transactions per month under the free limit is 100) |
Free up to Rs.250 lacs per month.
There after as per Annexure A (Sl. No. 2 & 3) (maximum number of
transactions per month under the free limit is 150) |
Free. |
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DD/PO From Base
Branch only. In MBB accounts - Number of free DDs 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. |
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DD/
Local DD/ Bankers Cheque/Pay-Order issued from Base Branch only |
Free up
to Rs.5 lacs per day, there after actual DD charges will be applicable as per
Annexure A (Sl. No. 1 & 4)
(maximum number of DD/POs per month under the free limit is 50) |
Free up
to Rs 10 lacs per day, there after actual DD charges will be applicable as
per Annexure A (Sl. No. 1 & 4) (maximum number of DD/POs per month
under the free limit is 50) |
Free up
to Rs.25 lacs per day, there after actual DD charges will be applicable
as per Annexure A (Sl. No. 1 &
4) (maximum number of DD/Pos per month under the free limit is 50) |
Free |
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VI. Collections |
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Cash Deposit at base-branch. (Subject to rules
& regulations in force from time to time) |
For
deposit in a single day, Up to Rs.3 Lakhs Free Rs.3
Lakh to Rs.10 Lakhs Rs.100/- per Lakh Above Rs.10 Lakhs Rs.200/- per Lakh. (Even
if the amount deposited is below Rs.3 Lakhs, if the number of packets of currency
is more than 30 (3000 pieces), Rs.10/- per packet (100 pieces) will be
collected). |
Free |
Free |
Free |
Free |
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Anywhere
Cash Deposit- i.e. at other than base branch. By Self (Account Holder) only. |
Permitted
with a charge of Rs.4/- per thousand or part thereof with a minimum of
Rs.25/- |
Free
upto 5 lacs per month. Beyond that @ Rs4/- per Rs. 1000/- or part thereof
with a Min of Rs 25/-. |
Free
upto Rs 10 lacs per month. Beyond that @ Rs4/- per Rs. 1000/- or part thereof
with a Min of Rs 25/-. |
Free
upto Rs 25 lacs per month. Beyond that @ Rs4/- per Rs. 1000/- or part thereof
with a Min of Rs 25/-. |
Free
upto Rs 25 lacs per month. Beyond that @ Rs4/- per Rs. 1000/- or part thereof
with a Min of Rs 25/-. |
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1.In case of fund transferred to
MBB account from any other account within the base branch or from a local
branch, wherein the origin of such
fund is on account of cash deposit, charges as applicable to the
respective tier of the credited
account shall be levied and collected. 2.As it is difficult to ascertain
the utilization of Free Limit and Charges thereon for cash remittance at
Non-base branches, Data Centre will
issue necessary guidelines on collection of applicable charges. |
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Cheque
Collection & Charges thereon |
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At
base location within the clearing zone. (Party can deposit cheques in any
of the branch of his convenience within the clearing zone). Deposit by
anybody and no question of Self or Authorised Person (Subject to rules & regulations in force from time
to time) |
Free. |
Free. |
Free. |
Free. |
Free. |
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Number of instruments 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 |
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Outstation
Cheque Collection i.e. outstation cheque/s deposited at : 1.
Place of payment for credit to base branch. ** 2.
Base branch for credit to MBB a/c at base branch.
** 3. Non-base
branch, payable at centres other than the place of deposit. (To be handled
like any other OBCs and credited to Base branch account only after
clearance). Return instrument, if any, be sent to Base branch and Base branch
to collect applicable charges as per Annexure A (Sl. No. 7 & 8). |
Permitted with OBC/Fast
Collection/ Speed clearing charges as the
case may be will be applicable as per Annexure A (Sl. No. 8
& 9). |
Free up to Rs10 lacs per month.
Thereafter, OBC/Fast Collection/ Speed clearing charges as the case may be will be
applicable as per Annexure A (Sl. No. 8 & 9) (maximum number of instruments
per month under the free limit is 100) |
Free up to Rs30 lacs per month.
Thereafter, OBC/Fast Collection/ Speed clearing charges as the case may be will be
applicable as per Annexure A (Sl. No. 8 & 9) (maximum number of instruments
per month under the free limit is 100) |
Free up to Rs100 lacs per month.
Thereafter, OBC/Fast Collection/ Speed clearing charges as the case may be will be
applicable as per Annexure A (Sl. No. 8 & 9) (maximum number of instruments
per month under the free limit is 100) |
Free |
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Other Bank charges if any & other charges, service tax etc. if any shall be levied extra. |
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Collection
through NEFT (National Electronic Fund Transfer)* and RTGS (Real Time Gross
Settlement) |
FREE (Subject to rules &
egulations in force from time to time). |
FREE(Subject to rules &
regulations in force from time to time). |
FREE (Subject to rules & regulations in force from
time to time). |
FREE (Subject to rules & regulations in force from
time to time). |
Free |
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VII. Cheque Return Charges (in respect of Cheques Drawn by the
account holders) |
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Presented for payment
through Clearing / Directly presented # |
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Local cheques' return owing to reasons other than
insufficient funds |
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Outstation cheques' return owing to reasons other
than insufficient funds. |
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# Presented
across the counter or through post. |
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Charges
on Deposited Cheques Returned: As per Annexure A (Sl. No. 9). |
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VIII. Charges for
non-maintenance of stipulated MAB/DMB: |
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Charges
for non-maintenance of stipulated MAB. |
Rs.100/-
per month |
Rs.1,000/-
p.m. & the account should be converted into a |
Rs.1,500/-
p.m. & the account should be converted into a |
Rs.3,000/-
p.m. & the account should be converted into a |
Rs.5,000/- p.m. & the account
should be converted into a |
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Charges
for non-maintenance of stipulated DMB. |
-N.A- |
-N.A- |
-N.A- |
-N.A- |
Rs.500/- per day for the number
of days of non-maintenance of DMB. |
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IX. Cheque Book Charges |
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Non-MICR/MICR / Multi-City Cheques |
25 cheque leaves free per calendar year
thereafter, Rs.3/- per cheque leaf |
50 cheque leaves free per calendar year
thereafter, Rs.3/- per cheque leaf |
75 cheque leaves free per calendar year
thereafter, Rs.3/- per cheque leaf |
100 cheque leaves free per calander year
thereafter, Rs.3/- per cheque leaf |
Free |
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Stop payment charges |
Rs 25/- per instrument |
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MoneyPlant Visa International Debit Card to
eligible account holders. |
Transactions
are FREE of charge at domestic ATMs. Charges are applicable on international
usage. |
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Internet Banking MoneyClick for eligible
accounts. |
Registration
Free. Fund transfer within the Bank (subject to ceiling), Utility bill
payment etc will not attract any charge from bank side. |
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SMS Alerts, if subscribed. |
SMS Alert on debit transactions
(customer induced) of Rs.25,000/- and
above Free for the first 1 year from the date of introduction of the
facility. Thereafter, as decided by the bank from time to time. |
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Demat Account |
Account
opening charges-NIL-. |
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X.
Statement of Account:
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If Daily only |
Rs.15/-
per page irrespective of number of entries |
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If Weekly only |
Rs.10/-
per page irrespective of number of entries |
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If Monthly only |
Free Free
monthly e-statements are also available on request and the same shall be sent
to those who are authorized to operate the account. |
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NB: 1. Base
Branch/ Location refers to the Branch where the customer maintains his MBB
Account. |
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2. All
charges are exclusive of Service Tax, Surcharge etc wherever applicable. |
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3. All
charges and limits are subject to change. The maximum ceiling on charges
wherever applicable is as per Annexure A. |
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4.
Proceeds of cheque/s deposited for collection will be available for
utilization only after realization. |
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5.
Charges for any services not covered herein shall be at the prevailing rates
as per Annexure A. |
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6. A
customer is eligible to have MBB account in the Bank under any one particular
tier only. |
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7.
Month means a calendar month and Year means a financial year (April to
March), unless specified otherwise. |
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8.
Duplicate Statement are subject to charge as per Annexure A. |
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9.
Branches shall monitor all MBB accounts properly. |
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