ANNEXURE - B

REVISED FEATURES & SERVICE CHARGES FOR SB ACCOUNTS [Amount in ₹]

I. Requirement of Minimum Balance (MAB-Monthly Average Balance) and charges for non-maintenance of stipulated MAB:
SB-General KBL-Vanitha SB-Salary SB-Kishore SB-Tarun SB-Money SB-ILSB SB-Money Ruby SB-Money
[SBGEN] (For women Privilege (for children (for students Sapphire (Insurance linked (Privilege SB) Platinum
TIERS 
aged 18 yrs & (for salaried aged between 10 aged between (Privilege SB) SB) (Privilege SB)
above) persons) -18 yrs) 18 - 25 yrs)
Without Cheque
Book:
₹2,000 ₹15,000
₹500 (M/U/SU)
Monthly Average (M&U) (M&U)
₹200 (R/FI)
Balance [MAB] # to -NA- -NA- -NA- ₹10,000 ₹1,00,000 ₹3,00,000
With Cheque
be maintained ₹1,000 ₹10,000
Book facility:
(SU&R/FI) (SU&R/FI)
₹2,000 (M/U)
₹1,000 (SU/R/FI)
For SB NRE & SB NRO accounts - MAB as applicable to SB-General accounts. #MAB is average of daily closing balance over the number of days in the month & calculated at the end of the month.

Charges for non-maintenance of stipulated MAB:

Shortfall in MAB
Upto -10% ₹25 p.m ₹25 p.m ₹100 p.m ₹100 p.m ₹100 p.m ₹100 p.m
-NA- -NA- -NA-
10% &abv upto 50% ₹50 p.m ₹50 p.m ₹200 p.m ₹200 p.m ₹300 p.m ₹300 p.m
50% and above ₹100 p.m ₹100 p.m ₹400 p.m ₹400 p.m ₹500 p.m ₹500 p.m
(For SB NRE & SB NRO accounts - Charges as applicable to SB-General accounts)
II. ADC Products and charges.
Money Plant Classic Debit Card Eligible for Free Platinum International Debit Card
Visa/RuPay Debit
Card Per day cash withdrawal limit of ₹40,000 and POS limit of ₹75,000. Per day cash withdrawal limit of ₹75,000 and POS limit of ₹2,00,000.
Annual Charges (Free for the first year). ₹200/- will be applicable from second year onwards of Debit card
(AMC) for issuance.
Visa/RuPay Debit
Exceptions: PMJDY Accounts, KBL-Vanitha, Staff accounts (including the accounts of
Card - Domestic/ No Annual Maintenance Charges (AMC)
International & retired, spouse of deceased retired staff, resigned, spouse of deceased resigned staff,
Rupay Classic/ spouse of deceased resigned employee) & also accounts maintained by the Chairman,
Kisan/ Mudra Managing Director & CEO or such other Executives appointed for a fixed tenure.
Platinum Debit card can be issued to general category accounts (subject fulfillment of eligibility criteria for debit card issuance) with issuance charge and annual charges of ₹ 300/-p.a.
KBL-Image Debit Card is also available to all eligible card holders with issuance charge of ₹ 299/- p.a. and annual charges as applicable to respective card variant.
♦ KBL Mobile (Mobile Banking App) ♦ KBL Smartz (UPI App)
Mobile Banking/ Free Registration. Fund transfer within the Bank [subject to ceiling], Utility bill payment etc, will not attract any charge from bank side.
Mobile Apps
♦ ApnaApp (SMS Banking App) - SMS charges will be applicable as per SMS plan. ♦ mPassBook (Mobile e-passbook App)
Internet Banking
Free Registration. Fund transfer within the Bank [subject to ceiling], Utility bill payment etc, will not attract any charge from bank side.
(FEBA)
e-statement Free monthly e-statement [if subscribed]
SMS Alerts Free SMS Alerts
[If subscribed]. ₹ 0.15 per SMS ₹ 0.15 per SMS ₹ 0.15 per SMS ₹ 0.15 per SMS on all type of transactions
(w.e.f. 01.04.2019)
1. SMS Alerts for ALL transactions done through ADC channels are free. 2. For Ex staff accounts – Free SMS Alerts.
3. For Senior Citizens - ₹ 0.15 per SMS w.e.f. 01.04.2019. 4. SB A/c’s where MAB maintained 1 lakh and above, for the previous month- Free SMS Alerts.

1
 SB-General KBL-Vanitha SB-Salary SB-Kishore SB-Tarun SB-Money SB-ILSB SB-Money SB-Money
TIERS
[SBGEN] Privilege Sapphire Ruby Platinum
III. Withdrawals
Cash withdrawal facilities & charges through at ATMs (through Debit Card)
Karnataka Bank
Free 8 transactions in a month. Thereafter, ₹20/- per transaction. Free Free Free Free
ATMs
Free 3 transactions per month at six “Metro Centre’s”* /Free 5 transactions at “other Centre’s”. Thereafter, ₹20/- per transaction.
Other Banks
(If transactions carried out at ‘metro Centres’ and also at ‘other centre’s, the total number of free transactions (inclusive of both financial and non-financial) at
ATMs
other bank ATMs will be five only with maximum of 3 transactions at Metro Centers).
*Six metro centers: Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad
Cash withdrawal facilities at base/non-base branches & charges thereon (excluding ATM Transactions)
Free First 5 Free First 5 Free First 5 Free First 5 Free First 5 Free First 10 Free First 10
withdrawal per withdrawal per withdrawal per withdrawal per withdrawal per withdrawal per withdrawal per
At Base month month month month with a month month month
Branch[Subject (incl.non-base) (incl.non-base) (incl.non-base) per transaction (incl.non-base) (incl.non-base) (incl.non-base)
to rules & limit of Free Free
regulations in Thereafter, Thereafter, Thereafter, ₹50,000. Thereafter, Thereafter, Thereafter,
force from time ₹50 per ₹50 per ₹50 per Thereafter, ₹50 per ₹50 per ₹50 per
to time] transaction transaction transaction ₹50 per transaction transaction transaction
(monthly) (monthly) (monthly) transaction (monthly) (monthly) (monthly)
(monthly)
Free first 5 Free first 5 Free first 5 Free first 5 Free first 10 Free first 10 Free up to Free up to
withdrawal per withdrawal per withdrawal per withdrawal per withdrawal per withdrawal per ₹1,00,000 per ₹2,00,000
month (incl.base month (incl.base month (incl.base month month month day, per day,
branch), branch), branch), (incl.base (incl.base), (incl.base),
branch), or or
At Non-Base
or ₹1,00,000 or ₹1,00,000 or ₹1,00,000 or ₹1,00,000 ₹2,00,000 per ₹2,00,000 per Thereafter, ₹3 Thereafter,
BranchFor self per month, per month, per month, per month, month, month, per thousand or ₹3 per
cheques whichever is whichever is whichever is whichever is whichever is whichever is part thereof with thousand
[Account holder earlier. earlier. earlier. -NA- earlier. earlier. earlier. a minimum of or part
only] -Maximum Thereafter, ₹3 Thereafter, ₹3 Thereafter, ₹3 ₹50 thereof
withdrawal is Thereafter, ₹3 Thereafter, ₹3 Thereafter, ₹3 per thousand or per thousand or per thousand or with a
₹10 lacs per day. per thousand or per thousand or per thousand or part thereof part thereof part thereof minimum
part thereof part thereof part thereof with a with a with a of ₹50
with a with a with a minimum of minimum of minimum of
minimum of minimum of minimum of ₹50 ₹50 ₹50
₹50 ₹50 ₹50

The above cash withdrawal at non base branches is allowed only with prior intimation and its approval by the paying branch.
Cash withdrawal at non-base branch through 3rd party is not allowed.

2
 SB-
SB-General SB-Salary SB-Money SB-ILSB
TIERS KBL-Vanitha SB-Kishore SB-Tarun SB-Money Ruby Money
[SBGEN] Privilege Sapphire
Platinum
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
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]:
Through NEFT:
Through NEFT: Through NEFT: Through NEFT: Through NEFT: Through NEFT: Free 30 NEFT
Up to ₹10,000
Up to ₹10,000 Free 2 NEFT Up to ₹10,000 Free 2 NEFT Free 2 NEFT /RTGS per
₹2.25
₹2.25 p.m for any ₹2.25 p.m for any p.m for any month for any
From ₹10,001
From ₹10,001 amount From ₹10,001 amount amount amount.
up to ₹1.00
up to ₹1.00 up to ₹1.00
lakh- ₹4.75 Thereafter, Thereafter, Free
RTGS/NEFT * lakh- ₹4.75 Through RTGS: lakh- ₹4.75
Above ₹1.00 charges as charges as Thereafter
(*NEFT charges Above ₹1.00 No Free Limit Above ₹1.00 (Without
lakh upto ₹ 2.00 applicable to applicable to charges as
revised wef lakh upto ₹ 2.00 lakh upto ₹ 2.00 any
lakhs - ₹14.75 general general applicable to
lakhs - ₹14.75 Thereafter, lakhs - ₹14.75 ceiling
01.07.2019) Above ₹2.00 accounts accounts general accounts
on
Above ₹2.00 charges as -NA- Above ₹2.00
lakhs - ₹24.75
lakhs - ₹24.75 applicable to lakhs - ₹24.75 limit/tra
Through general Through Through nsaction
[from both Base & RTGS: Through Through RTGS: RTGS: s)
accounts
Non-base Branch] Above ₹2.00 RTGS: RTGS: No Free Limit No Free Limit
lakhs upto ₹5.00 Above ₹2.00 Above ₹2.00 (charges as
lakhs upto lakhs upto (charges as
lakhs - ₹25. applicable to
₹5.00 lakhs - ₹5.00 lakhs - applicable to
Above ₹5.00 general
₹25. ₹25 general
lakhs - ₹50 accounts)
Above ₹5.00 Above ₹5.00 accounts)
lakhs - ₹50 lakhs - ₹50
NEFT through
Internet Banking/
Mobile Banking/ Free Free Free Free Free Free Free Free Free
Mobile Apps
(w.e.f.01.01.2020)
Free 2 IMPS Free 2 IMPS
p.m p.m
IMPS Fund transfer Charges as
Upto ₹ 1,000 - NIL RTGS: RTGS:
through Internet applicable to
₹1,001- ₹1,00,000 - ₹5/- per transaction -NA- No Free Limit No Free Limit Free Free
Banking, Mobile general
₹1,00,001- ₹2,00,000 - ₹15/- per transaction (charges as (charges as
Banking, UPI App accounts
applicable to applicable to
General a/c’s) General a/c’s
Demand Draft From Any Branch [By debit to a/c ] (However, DD Cancellation, Marking & Reverting of Lost DD will be handled only at the branch where the DD was
issued.)
₹3/1,000 with ₹3/1,000 with ₹3/1,000 with Free up to ₹50,000 p.m. Free
Demand Draft ₹3/1,000 with a minimum of
a minimum of a minimum of a minimum of Thereafter, charges as applicable to Free 20 DD
[issuing branch has ₹25
₹25 ₹25 ₹25 SB-General accounts facility p.m for (Without

3
to ensure that the [However, DD for all types of any amount any
DD Applicant is the examination fee, prospectus fee & (Max. number of DDs under the Thereafter, ceiling
account holder, tuition fee will be issued free of free limit is restricted to 5 p.m) charges as on limit/
such debits are to charges] applicable to transacti
be supported by SB-General ons)
cheques] accounts)
SB-
SB-General SB-Salary SB-Money SB-ILSB
TIERS KBL-Vanitha SB-Kishore SB-Tarun SB-Money Ruby Money
[SBGEN] Privilege Sapphire
Platinum
VI. Collections
Cash Deposit at BNA Free Free Free Free Free Free Free Free Free
Cash Deposit at base/non-base branches (excluding BNA transactions)
Cash Deposit at base- Free first 5 transactions per month Free first 10 transactions p.m Free upto 25 lakh Free upto
branch. or or Upto 10 lakh per month per month 50 lakh per
Upto 5 lakh per month month
Anywhere Cash whichever is earlier
whichever is earlier (incl. Base & (incl. Base
Deposit - i.e. at other (incl. Base &
(incl. Base & Non-base branch) Non-base &
than base branch by Non-base branch)
branch) Non-base
self branch)
Thereafter,
[Account holder or Thereafter, ₹2 per 1,000 Thereafter, Thereafter,
₹2 per 1,000
person authorized by ₹2 per 1,000 ₹2 per
him only.] 1,000
*Third parties are allowed to remit cash at non-base locations to Savings Bank accounts excluding SB-SUGAMA [BSBDA] & SB-SMALL accounts and amount of cash remittance at non base
branches is restricted to less than ₹50,000 per day per account.
VII. 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 the
Free
clearing zone.
Speed clearing Free
Outstation Cheque Collection: Deposit by anybody and at any Branch. [Subject to rules & regulations in force from time to time]
Commission For Free up to ₹1 Free up to ₹1
Outstation Cheque lakh per month. lakh per month.
Upto and including ₹5,000 - ₹25
Collection [OBC] [For
From ₹5,000 upto & including ₹10,000 - ₹50
Cheques drawn on Thereafter, Thereafter, Free Free
From ₹10,000 upto & including ₹1,00,000 - ₹100
otherBanks Collection charges as charges as
Above ₹1,00,000 - ₹2 per ₹1,000 or part thereof Min. ₹200
of Instruments drawn on applicable to SB- applicable to SB-
other centers chargeable] General accounts. General accounts.
Note: Branch should lodge the instruments in Finacle Menu Option ‘BM’
Commission for outstation
cheque collection for cheque No Charges
drawn on our bank branch
Other Bank charges if any & other charges, GST etc. if any shall be levied extra.

4
 SB-General SB-Salary SB-Money SB-ILSB SB-Money
TIERS KBL-Vanitha SB-Kishore SB-Tarun SB-Money Ruby
[SBGEN] Privilege Sapphire Platinum
VIII. Cheque Return Charges [Inward]
Both Local and Upto ₹10,000 - ₹100
out station ₹10,001 to ₹1,00,000 - ₹500
cheques returned Above ₹1,00,000 - ₹1,000
IX. Cheque Return Charges [Outward]
Both Local and
out station ₹200 per return
cheques returned
X. Cheque Book Charges
25 cheque 200 cheque Free
leaves will be leaves will be unlimited
50 cheque leaves will be free in a
free in a free in a number of
25 cheque leaves will be free in a calendar year calendar year
-NA- calendar year calendar year personalize
Cheque book thereafter, ₹4 per cheque leaf.
thereafter, ₹4 d
charges Thereafter ₹4 per cheque leaf
per cheque leaf. Thereafter ₹4 cheque
per cheque leaf books.
Personalized cheque books can be issued on specific request from account holder/s. Both ordinary CTS and personalized cheque books will be considered for free
limit.
XI. Stop payment charges
₹ 100 per instrument
Through Branch
Maximum of ₹250 per instruction
₹25/- per instrument
Through Online
Maximum of ₹50/- per instruction
XI. Statement of Account: Free monthly statement is 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 GST, 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. Penalty of ₹1,000+ GST per instance shall be collected when the accounts are switched from a higher tier to a lower tier.
8. Month’ means a calendar month and ‘Year’ means a financial year [April to March] if not specified otherwise.
9. M-Metro, U –Urban, SU-Semi Urban, R-Rural, FI – Financial Inclusion Branches

5
 DETAILS OF CHARGES FOR INSTITUTIONAL SB SCHEME [AMOUNT IN ₹] w.e.f. 09.11.2018

TIERS  SB TASC
I. Requirement of Minimum Balance (MAB-Monthly Average Balance) and charges for non-maintenance of
stipulated MAB:
Monthly Average Balance [MAB] #
₹25,000
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.
Charges for non-maintenance of stipulated MAB:
Shortfall in MAB Upto 10% ₹100 p.m
10% & above upto 50% ₹300 p.m
50% and above ₹500 p.m
II. ADC Products and charges. (Subject to fulfillment of eligibility Criteria)
Money Plant Visa/RuPay Debit Eligible for Free VISA International / RuPay Platinum International Debit Card
Card Per day cash withdrawal limit of ₹60,000/75,000 and POS limit of ₹1,50,000/ 2,00,000.
Annual Charges for Debit Card
No Annual Maintenance Charges
(AMC)
KBL mPass Book mPassBook (Mobile e-passbook App)
Free Registration. Fund transfer within the Bank [subject to ceiling], Utility bill payment etc, will not attract
Internet Banking (FEBA)
any charge from bank side.
e-statement Free monthly e-statement [if subscribed]
SMS Alerts
Free SMS Alerts on all type of transactions.
[If subscribed].
NIL monthly rental if customer maintains 1 lakh & above.
Point of Sale (POS) Services
GPRS charges & Standard MDR rates are applicable.
Payment Gateway Collection / No integration cost for KBL eCollect.
KBL ecollect 50% waiver in PG integration charges.

III. Withdrawals
Cash withdrawal facilities & charges through at ATMs (through Debit Card)
Karnataka Bank ATMs Free

Other Banks ATMs Free 3 transactions per month at six “Metro Centre’s”* /Free 5 transactions at “other Centre’s”. Thereafter,
₹20/- per transaction.

6
 TIERS  SB TASC

(If transactions carried out at ‘metro Centres’ and also at ‘other centre’s, the total number of free
transactions (inclusive of both financial and non-financial) at other bank ATMs will be five only with
maximum of 3 transactions at Metro Centers).
*Six metro centers: Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad
Cash withdrawal facilities at base/non-base branches & charges thereon (excluding ATM Transactions)

At Base Branch[Subject to rules &

regulations in force from time to Free
time]

At Non-Base BranchFor self

cheques [Account holder only] -
Free
Maximum withdrawal is ₹10 lacs
per day.

The above cash withdrawal at non base branches is allowed only with prior intimation and its approval by the paying branch.
Cash withdrawal at non-base branch through 3rd party is not allowed.
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
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]:

RTGS/NEFT

[from both Base & Non-base

Branch]
NEFT through Internet Banking/ Free
Mobile Banking/
Mobile Apps

IMPS Fund transfer through Internet

Banking, Mobile Banking, UPI App

Demand Draft From Any Branch [By debit to a/c ]

(However, DD Cancellation, Marking & Reverting of Lost DD will be handled only at the branch where the DD was issued.)

7
 TIERS  SB TASC

Demand Draft [issuing branch has to

Free 20 DD facility p.m for any amount
ensure that the DD Applicant is the
Thereafter, charges as applicable to
account holder, such debits are to be
SB-General accounts - ₹3/1,000 with a minimum of ₹25)
supported by cheques]

VI. Collections
Cash Deposit at BNA Free
Cash Deposit at base/non-base branches (excluding BNA transactions)
Free upto 25 lakh per month
Cash Deposit at base-branch.
Free upto 50 lakh (If customer maintained 1 lakh & above in immediately preceding month)
Anywhere Cash Deposit - i.e. at
other than base branch by self (incl. Base & Non-base branch)
[Account holder or person authorized Thereafter, ₹2 per 1,000
by him only.]
*Third parties are allowed to remit cash at non-base locations and amount of cash remittance at non base branches is restricted to less than ₹50,000 per day
per account.
VII. 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 the clearing
Free
zone.
Speed clearing Free
Outstation Cheque Collection: Deposit by anybody and at any Branch. [Subject to rules & regulations in force from time to time]
Commission For Outstation Cheque
Collection [OBC] [For Cheques
drawn on other Banks Collection of
Free
Instruments drawn on other centers
are chargeable]
Note: Branch should lodge the instruments in Finacle Menu Option ‘BM’
Commission for outstation cheque
collection for cheque drawn on our No Charges
bank branch
Other Bank charges if any & other charges, GST etc. if any shall be levied extra.

VIII. Cheque Return Charges [Inward]

Upto ₹10,000 - ₹100
Both Local and out station cheques
₹10,001 to ₹1,00,000 - ₹500
returned
Above ₹1,00,000 - ₹1,000

8
 TIERS  SB TASC
IX. Cheque Return Charges [Outward]
Both Local and out station cheques
₹200 per return
returned

X. Cheque Book Charges

200 cheque leaves will be free in a calendar year
Thereafter ₹4 per cheque leaf
Cheque book charges
Personalized cheque books can be issued on specific request from account holder/s. Both ordinary CTS and
personalized cheque books will be considered for free limit.
XI. Stop payment charges
Through Branch ₹ 100 per instrument [Maximum of ₹250 per instruction]
Through Online ₹25/- per instrument [Maximum of ₹50/- per instruction]
XI. Statement of Account: Free monthly statement is available on request.
B: 1. Base Branch/ Location refers to the Branch where the customer maintains his MBB Account.
2. All charges, wherever mentioned, are exclusive of GST, 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 Service Charges circular.
6. A customer is eligible to have MBB account in the Bank under any one particular tier only.
7. Penalty of ₹1,000+ GST per instance shall be collected when the accounts are switched from a higher tier to a lower tier.
8. Month’ means a calendar month and ‘Year’ means a financial year [April to March] if not specified otherwise.
9. M-Metro, U –Urban, SU-Semi Urban, R-Rural, FI – Financial Inclusion Branches

All charges are exclusive of GST, Surcharge etc wherever applicable.

All charges and limits are subject to change.

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

9
 SERVICE CHARGES FOR KBL SB SALARY SCHEMES (w.e.f.20.05.2019)
TIERS  SB-Executive SB-Prime SB-Classic
I-A. MAB-Monthly Average Balance
Monthly Average Balance [MAB] # to
NIL NIL NIL
be maintained
I-B. Minimum Monthly Salary to be credited and charges for not adhering to the stipulations of Minimum Monthly
Salary condition:
Minimum Monthly Salary to be
Rs.1,00,000/- Rs.30,000/- Rs.5,000/-
credited #
# The monthly credit to the account should be the minimum specified amount for the respective scheme or more.
# Charges for non-credit of stipulated Minimum Monthly Salary: NIL
# If the monthly credit to the account is below the minimum specified amount, for 3 consecutive months, such accounts will
be automatically converted to a lower category based on the credit amount.
# If the monthly credit to the account is either less than Rs.5000/- or has No Credit, for 3 consecutive months, such accounts
will be classified as SB – GEN Scheme.
I-C. Auto Up-gradation to higher category: Available for such accounts where the amount credited is satisfying the
condition of Minimum Monthly Salary to be credited for 3 consecutive months.
II. ADC Products and charges. (Subject to fulfillment of eligibility Criteria)
Eligible (on request) for Free VISA International / VISA /RuPay Classic
RuPay Platinum International
Money Plant Visa/RuPay Debit Card Per day cash withdrawal
Per day cash withdrawal limit of ₹60,000/75,000 and
limit of ₹25,000 and
Purchase limit of ₹1,50,000/2,00,000.
Purchase limit of ₹75,000
Annual Charges for Debit Card(AMC) No Card Issuance Charge or Annual Maintenance Charges
KBL mPass Book mPassBook (Mobile e-passbook App)
Free Registration. Fund transfer within the Bank [subject to ceiling], Utility bill
Internet Banking (FEBA)
payment etc, will not attract any charge from bank side.
e-statement Free monthly e-statement [if subscribed]
SMS Alerts Rs.0.15 per transaction*
Free SMS Alerts on all type of transactions.
[If subscribed].
*SMS Alerts for all transactions done through ADC Channels are free for all categories.

10
 TIERS  SB-Executive SB-Prime SB-Classic
III. Withdrawals
Cash withdrawal facilities & charges through at ATMs (through Debit Card)
Karnataka Bank ATMs Free
Free 3 transactions per month at six “Metro Centre’s”*
/Free 5 transactions at “other Centre’s”. Thereafter,
₹20/- per transaction. (If transactions carried out at
‘metro Centres’ and also at ‘other centre’s, the total
Other Banks ATMs
Free number of free transactions (inclusive of both financial
and non-financial) at other bank ATMs will be five only
with maximum of 3 transactions at Metro Centers). *Six
metro centers: Mumbai, New Delhi, Chennai, Kolkata,
Bengaluru and Hyderabad
Cash withdrawal facilities at base/non-base branches & charges thereon (excluding ATM Transactions)
At Base Branch[Subject to rules & Free first 5 withdrawals in a month (including non-base
Free
regulations in force from time to time] branch withdrawals) there after Rs.50/- per transaction.
Free first 5 withdrawals in a month (including base
At Non-Base BranchFor self cheques
branch withdrawals) or ₹1,00,000 per month whichever
[Account holder only] -Maximum Free
is earlier. Thereafter, ₹3 per thousand or part thereof
withdrawal is `10 lacs per day.
with a minimum of ₹50.
Cash withdrawal at non-base branch through 3 party is not allowed.
rd

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
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]:
Through NEFT;
(i) Up to ₹10,000 ₹2.25
(ii) From ₹10,001 up to ₹1.00 lakh- ₹4.75
RTGS/NEFT
(iii) Above ₹1.00 lakh upto ₹ 2.00 lakhs - ₹14.75
[from both Base & Non-base Branch] Free
(iv) Above ₹2.00 lakhs - ₹24.75
(*NEFT charges revised w.e.f 01.07.2019)
Through RTGS:
(i) Above Rs.2.00 Lakh up to Rs.5.00 Lakh – Rs.25/-
(ii) Above Rs.5.00 Lakh – Rs.50/-

11
 TIERS  SB-Executive SB-Prime SB-Classic
RTGS/NEFT through Internet
Free Free Free
Banking/Mobile Banking/Mobile Apps.
Up to Rs.1000/- - NIL
IMPS Fund transfer through Internet
Free Rs.1000/- to Rs.1,00,000/- Rs.5/- per transaction.
Banking, Mobile Banking, UPI App
Rs.1,00,001/- to Rs.2,00,000/- - Rs.15/- per transaction.
Demand Draft From Any Branch [By debit to a/c ] (However, DD Cancellation, Marking & Reverting of Lost DD will be
handled only at the branch where the DD was issued.)
Demand Draft [issuing branch has to
ensure that the DD Applicant is the
Free Rs.3/1000 with a minimum of Rs.25/-
account holder, such debits are to be
supported by cheques]
VI. Collections
Cash Deposit at BNA Free Free Free
Cash Deposit at base/non-base branches
Cash Deposit at base-branch.
Anywhere Cash Deposit - i.e. at other
Free
than base branch by self
[Account holder or person authorized
by him only.]
*Third parties are allowed to remit cash at non-base locations and amount of cash remittance at non base branches is
restricted to less than Rs.50,000 per day per account.
VII. 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 the clg. zone. Free
Speed clearing Free
Outstation Cheque Collection: At any Branch. [Subject to rules & regulations in force from time to time]
OBC Commission
Free of Charges
Other Bank charges if any & other charges, GST etc. if any shall be levied extra.
VIII. Cheque Return Charges [Inward]
Upto ₹10,000 - ₹100
Both Local and out station cheques
₹10,001 to ₹1,00,000 - ₹500
returned
Above ₹1,00,000 - ₹1,000

12
 TIERS  SB-Executive SB-Prime SB-Classic
IX. Cheque Return Charges [Outward]
Both Local and out station cheques ₹200 per return
returned
X. Cheque Book Charges
25 cheque leaves will be
10 cheque leaves will be
free in a calendar year.
Free free in a Quarter, thereafter
Thereafter ₹4 per cheque
Cheque book charges ₹4 per cheque leaf
leaf
Personalized cheque books can be issued on specific request from account holder/s.
Both ordinary CTS and personalized cheque books will be considered for free limit.
XI. Stop payment charges
Through Branch ₹ 100 per instrument [Maximum of ₹250 per instruction]
Through Online ₹25/- per instrument [Maximum of ₹50/- per instruction]
XII. Statement of Account: Free monthly statement is available on request.
XIII. Insurance Benefits
Personal Accident Death Cover Rs.10 Lakhs Rs.5 Lakhs NIL
₹50,000/-* ₹50,000/-*
Purchase Protection (Debit Card) ₹25,000/-
*Limit will be Rs.25,000/- if classic card is opted
Up to Rs.50,000/- (Only for
Jewellery Insurance Not Applicable
Women Salary Accounts)
XIV. Investment + Trading
Demat Account No Annual Maintenance Fee -
Trading Account No Annual Maintenance Fee -
XIV. Other Benefit
Processing charges for loans (Subject
100% waiver* 50% Bank’s Loan Processing Charges*
to eligibility for the loan)
* Charges for Legal Opinion, Valuation, BIR etc (Actual) will be applicable.
KBL Travel Card (Card Issuance Charge) NIL Charges as applicable
*Other charges like, Re-loading fee and encashment fee as applicable
XV. Locker Rent (subject to
25 % Concession Rent As per regular rates
availability at the Base Branch)

13
 TIERS  SB-Executive SB-Prime SB-Classic
Note:
1. Base Branch/ Location refers to the Branch where the customer maintains his MBB Account.
2. All charges mentioned, are exclusive of GST, Surcharge etc wherever applicable.
3. All charges and limits are subject to change from time to time.
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 Service Charges circular.
6. Month’ means a calendar month and ‘Year’ means a financial year [April to March] if not specified otherwise.
7. Under these Zero Balance Salary Schemes, Joint Account with Spouse / Parent is permissible.
8. On specific request from the account holder based on salary hike, the account can be upgraded to higher level.
9. The existing account holders under the KBL Salary Privilege Scheme may migrate to any of the new schemes on a written request
agreeing to the terms and conditions of the new schemes.
10. If an account is ‘Auto Upgraded’ from Classic category, the already issued Debit Card will be continued and on a specific request,
Free VISA International / RuPay Platinum International may be issued. Similarly, even if an account is ‘Auto Downgraded’ the existing
debit card may be continued.
11. Once the account is down graded to SB-Gen scheme, Auto up Gradation will not be available.
12. The Jewellery Insurance is applicable only to the women account holders under KBL SB SALARY EXECUTIVE scheme. Free
All Risk Insurance cover for Jewellery, covering loss due to snatching while travelling/theft while hotel stay, burglary
while at home for Rs.50,000/- exclusively to the first named woman of the SB Account. With regard to the terms &
conditions, claim procedures etc., branches may Refer HO:DEV:CIRCULAR LETER:GF(48):42:2010-11 dated 04-11-2010.
(Please note that the MAB condition in the said circular letter is not applicable to the present scheme, since the present
Schemes are Zero Balance Schemes)

14
15