Gen Bank

Canara Bank
Staff Training college , Bangalore
Workmen Employee : Implementation of 10th bipartite settlement dated 25.05.2015(Cir

323/2015 )
For clerical and sub staff eight stagnation increment @ Rs 1310 & Rs 655 at frequencies of 3 and 2 years
respectively .
HRA : 10 % ,9 % and 7.5 % in group A ,group B and other places respectively
Transport allowance : Rs 425 per month upto 15th stage of scale of pay , thereafter Rs 470 per month
Hill & Fuel allowance : 8 % ( Max Rs 1500 p.m ) ,4 % ( Max Rs 600 p.m.) & 3 % ( Max Rs 500 p.m.) at
place above 3000 meter , between 1500-3000 meter and between 1000-1500 meter height respectively
Medical aid : Rs 2200 . Compensation on transfer : Transporting personal effects ( by train )
Non Sub Staff : 3000 kg for married persons and 2000 kg for unmarried persons
Sub Staff : 2000 kg for married persons and 1150 for unmarried person
Compensation on losses due to damage of goods on transfer is Rs 1500/1000, if receipt is produced and Rs
1000 /750 ,if receipt is not produced for clerical staff / sub staff
Halting Allowance : Rs 700 /600/450 for clerical staff and Rs 500 /400/250 for sub staff at Group A/group
B / other places
Washing allowance : Rs 150 p.m. where washing of livery is not arranged by bank
Cycle allowance to sub staff: Rs 100 p.m., Split duty allowance: Rs 150 p.m.
Expenses on road travel: actual expenses or Rs 6 /- per k.m.
PL: Max 4 times in a year, apply 15 days in advance, Max 270 PL can be accumulated but encashment is
restricted to 240 leaves.
Paternity Leave: Male employees with less than two surviving children shall be eligible for 15 days
Paternity Leave during his wifes confinement. This leave may be combined with any other kind of leave
except casual leave. The leave may be availed upto 15 days before or upto 6 months from the date of
delivery of the child. Sick Leave: CL converted into Sick Leave may also be availed without production
of medical certificate for 4 days at a time once in a year or two days at a time, twice a year . Joining
Time: Six days within 3 months of joining new place.
RELIEF UNDER SECTION 89(1) - TREATMENT ON ARREARS OF SALARY PAID

AS PER 10TH BIPARTITE SETTLEMENT IN CASE OF EMPLOYEES IN SERVICE :
Ref. Cir. : 334/2015
The 10th Bipartite Agreement was signed and accordingly arrears of Salary is being
paid to all the employees during the FY 2015-16. As per Section 17 of Income Tax Act
1961, salary includes wages, fees, commissions, incentives, perquisites, profits in lieu
of or in addition to salary, arrears, advance of salary, encashment of leave/LFC, annuity
or pension, gratuity payments etc. Since the arrears pertain to earlier FYs, employees
can claim relief under section 89(1) on Income Tax Act, 1961. The process for claiming
such relief is given below:
1. COMPUTATION OF RELIEF UNDER SECTION 89(1) ARREARS OF SALARY
2. TREATMENT OF ARREARS OF HOUSE RENT ALLOWANCE:
3. COMPUTATION OF RELIEF IN RESPECT OF LEAVE ENCASHMENT U/S 89(1)
LEAVE FARE CONCESSION TO WORKMEN EMPLOYEES ( Cir 338/2015) :
For LFC encashment, an employee will be entitled to receive Notional Train Fare equivalent
amount for the admissible distance (depending on a 2 year or 4 year block) by the entitled
class, net of TDS .(under 9th BPS the entitlement was 75% of the Notional Train fare ,now it
is 100% of the Notional Train fare). LFC can be availed without any leave availment & while
encashing LFC, PL also can be encashed. All workmen can opt within 90 days from the date
of 10th Bi-partite Settlement i.e., 25.05.2015, to avail LFC under two years / four years block
Canara Bank
as the case may be. If no option is exercised within the stipulated period, the earlier option
will continue to be operative.
Permissible one way distance for 2 year block : 2500 KM for Sub staff , 2000 Km for
Non Sub Staff Permissible one way distance for 4 year block :5000 KM for Sub staff ,
4000 Km for Non Sub Staff LFC for travel to place of domicile is not encashable.
Wholly dependent family members : Monthly income should not exceeds Rs 10000 (
clubbed together ) Eligibility for sub staff : III AC by train , II class cabin by steamer
Eligibility for Non Sub Staff : II AC by train , I class cabin by steamer
Family include spouse, wholly dependent unmarried children, wholly dependent

physically/mentally challenged brother/sister with 40 % or more disability, unmarried
/divorced /abandoned/separated sister, widowed/ dependent divorced/separated
daughter and wholly dependent parents.
Salary revision for officers employee 10th bipartite settlement ( Cir 342/2015 )
Basic of scale I/II/III/IV/V/VI/VII is Rs 23700/31705/42020/50030/59170/68680/76520
Stagnation Increment :
Scale I: Every three years of completed service. First two of Rs 1310 ,next two of Rs 1460 each
Scale II: Rs 1460. First three increments on every three years of completed service, fourth increment
on two
years of service from third such increment.
Scale III : Rs 1460. First four increments on every 3 years of completed service .Fifth increment in
two
years from fourth increment.
Scale IV : One stagnation increment of Rs 1650 ,three years after reaching the maximum .
HRA : 9/8/7 % in Group A /Group B and Goa /Other Places
CCA : 4 % of Basic ( Max Rs 870 ) in area I and Goa .3 % of Basic ( Max 600 ) in population of
five lakhs
and above ,state capital ,Chandigarh ,Puducherry and port blair .
Special Allowance: Scale I-III :7.75 % of basic +DA , Scale IV-V :10 % of basic + DA ,Scale VIVII:11 %
Medical Aid : JMG and MMG X Rs 8000 , SMG and TEG X Rs 9050
Recovery of House/furniture rent: 0.75 % /0.15 % of the first stage of scale of pay.
Deputation Allowance :
Outside Bank 7.75 % of basic ( Max Rs 4000 ) , Within Organisation : 4 % of basic ( Max Rs 2000
)
Hill & Fuel Allowance :
1000-1500 meter altitude :2 % of Pay ( Max 750 ) ,1500-3000 meter altitude : 2.5 % of Pay ( Max
1000 ),
3000 and above altitude : 5 % of Pay ( Max 2000)
Halting Allowance : Halting in Metro / Major A Class cities / Area I /Other Places
Scale I-III :1300/1100/950/800 , Scale IV-V :1500/1300/1100/950 , VI & above :
1800/1300/1100/950
LFC Encashment: Scale I-III X4500 km one way, Scale IV & above X5500 km one way.
Mid-academic year transfer allowance: Rs 1100/- p.m.
Compensation on transfer: Scale I-III X Rs 15000 , Scale IV & above X Rs 20000
Paternity Leave :Male officer employee with less than 2 surviving children are eligible for 15 days
paternity leave .It can be combined with any leave except CL .The leave shall be applied 15 days
before or
upto 6 months from date of delivery .
Canara Bank
Maternity Leave: Maximum 6 months on one occasion and 12 months in entire service. Privilege
Leave: Can be accumulated upto 270 days, but encashment is restricted upto 240 days . Special
Sick Leave: Max 30 days and only once during service for donation of kidney/organ.
Enhancement in Rental ceiling ( Cir 340/2015 )

Rental ceiling for scale I/II/III
1.Delhi ( Including Noida, Ghaziabad and Gurgaon ) and Mumbai : 20000/21000/22000
2.Bangalore ,Kolkata ,Chennai ,Hyderabad, secunderabad ,Ahmedabad, Chandigarh ,Faridabad & Pune
:17000/17500/18000
3.State capital ,Area I , Places above 10 Lacs & above population , port blair :13000/13500/14000
4.Other Places in Goa ( except Panji ) :11000/11500/12000
5.Area II :10000/10500/11000
6.Area-III :6500/7000/7500
Officers posted to the NE Region and falling under the Government guidelines for two way quarters facility
will continue to be considered at 60% of the prevailing rates of rental reimbursement.
PO &confirmed Officers may stay in Lodge / Hostel / PG Accommodation if Bank owned quarters / Bank
leased quarters are not available at the Centre. Reimbursement shall be fixed at 60 % of rental ceiling.
Local Conveyance Expenses to Workmen Employees (Box item 7/2010)
> Metropolitan Cities,
Mumbai,
Bangalore, Hyderabad, Ahmadabad, Kolkata,
Delhi and Chennai: `45/- per day(Maximum > Other Centres : `35/- per day ( Maximum)
Special Allowance (w.e.f. 01.11.2012)
With effect from 01.11.2012, officers shall be paid Special Allowance as under:
Scale I-III 7.75% of Basic Pay + applicable Dearness Allowance thereon.
Scale IV -V 10% of Basic Pay + applicable Dearness Allowance thereon.
Scale VI -VII 11%of Basic Pay +applicable Dearness Allowance thereon.
Note: The Special allowance with applicable DA thereon shall not reckoned for
superannuation benefits, viz, pension including NPS, PF and Gratuity.
Halting Allowance (Cir 190/2010)
Clerical (in brackets :Substaff) : Population >15lacs+Goa: `500/- (`375/-)
Population >5lacs + State Capitals : `375/- (`250/-)
Other Places: `300 (185)
HA for Officers (Cir 342/2015) wef 01.06.2015
METRO
Major
A'
Other
Area
I
Grade
/
Scales
(RS)
class
Places (`)
of Officers
(`)
cities
(`)
Officers
in
1800/1300/1100/950/Scale VI & above
Officers
in
1500/1300
1100
950
Scale IV & V
Officers
in
1300/1100/950/800/Scale I/II/III
HA For workman / sub staff :

>12 LACS
CLERKS
700
SUBSTAFF
500
>5 LACS
600
400
OTHER PLACES
450
250
population
Canara Bank
HALTING ALLOWANCE ON TRANSFER: (if quarters /own house not available at

transferee place)
Scale I Officers, Second Line Managers/SMs: 4 days.

SM/Mgr in Administration, STC/RSTC, For newly proposed branches, Scale I,II, III
incharge of Small branches: 7 days
Scale II, III incharge of Medium branches, Large branches, Clg Sec, FD, CC, A/c sec,
Scale III of ELB/VLB & Scale IV and above : 10 days
OTHER EXPENSES ON TRANSFER:
For Packing, Local Transportation,Insurance, loading and unloading of personal belongings,
by giving a declaration for having incurred the expenses: Scale I, II, III : `9000/- wef 01-052010. Scale IV, V,VI, VII: Rs.`12,000/-reimbursement of packing charges of Rs. 2000/(Rupees Two Thousand only) to direct recruit probationary officers on transfer during their
probation period for the expenses related with packing, local transportation etc., with
effective from 01.10.2014
Fixing cut-off limit to Scale I Officers of our Bank for authorizing cash cheque payments
(Cir 188/2009)
Authorizing payment of cash cheques :
Up to `2.00 lacs (staff accounts `10,000/- only ) :Scale I Officers
Beyond `2.00 lacs : Scale II and above
Where the Branch-in-Charge is Scale I Officer: full powers
Cashless Facility for Hospitalisation to our Employees (Cir 87/2011)
Bank has entered into tieup with reputed hospitals by way of MOU. Cashless facility for
Hospitalisation will be extended by the Bank through the empanelled hospitals and it is a
benevolent Scheme for all the employees.
MEMENTOS TO RETIRING EMPLOYEES ON SUPERANNUTION(Cir 350/2011) Bank

has introduced a Scheme for presenting Mementos to retiring employees on
Superannuation in recognition of their services to the Bank. The details are furnished here
below: 1.All employees who retire on superannuation on or after 31/10/2011 shall only be
eligible under the Scheme.
2. Any other mode of exit from the Bank other than retirement on attaining age of
superannuation is not covered under the Scheme.
3. The HRM / HOSA / SAS as the case may be, after ensuring that an employee is
eligible for memento under the scheme and that there is no pending/ contemplated
Disciplinary Action against him/her, permit the employee by addressing a letter, to
purchase a gift article of his/her choice clearly
indicating that Bank will be reimbursing upto `10000/- against bill, on the day of his
retirement. A copy of this letter shall be marked to Branch/ Office where the retiring
employee is working. The Branch shall ensure that the letter so received from the HRM is
served on the retiring employee against the acknowledgement.
Group Personal Accident Insurance Policy for Employees ( Cir no. 508/2015 ) :
Renewed for one year from 01.09.15 to 31.08.16, Insurance cover ( In Lacs) for Sub staff
,PTE/Clerk, SPL/I/II,III/IV,V/VI,VII
1.Death in Rest of India : Rs 1.25 /1.5/3.00/4/6/7.00 Lacs
2.Death In J &K : Rs 1.50/ 3.00/ 5.00/5.00/ 9.50/9.50 Lacs
Canara Bank
3.Disability in Rest of India : NA / NA/ Rs 0.50/ Rs 1.00 / Rs 2.00/Rs 2.00 Lacs

4.Disability in J & K : NA / NA/ Rs 1.00/ Rs 1.00 / Rs 2.00/Rs 2.00 Lacs
The insurance cover available to Executive/Visiting Executive in respect of j &K is in addition to
insurance cover available for death (not disability) for rest of India.
Insurance cover available to workmen/officer employees for death is for 24 hours. Death due to
natural
causes and suicide is not covered.
All officer staff are covered following additional risks for the injury caused on account of death
1. Temporary total disablement: 1% of capital sum insured (Max Rs 5000/- per week).
Maximum period of compensation payable is 100 weeks and in no case compensation shall
exceed sum insured
2.Permanent /partial disability : Loss of toes-20 %,Loss of hearing both ears- 75%,,one ear -30
%, Loss of four fingers and thumb-40 % ,Loss of four fingers-35 % ,Loss of thumb both
phalanges-25 %,one phalange- 10 %
Weekly benefits can be claimed if the leave exceeds three days .Weekly compensation is
settled have to be retained by the bank, is officer is sanctioned special leave. If officer avails
leave at his/her credit,
compensation will be passed on him/her. Special leave is directly related to weekly
compensation
sanctioned by the insurance company .Absence of employees beyond the weekly
compensation settled;
appropriate category of leave has to be debited.
Intimation in writing and Bank attested claim papers should be submitted to M/s New India
Assurance Company Limited fit claim. A copy of claim form is to be endorsed to HOSA section.
In case of death due to accident .the insurance company will also pay expenses for shifting the
dead body from the place of accident to the place of residence at the rate 2 % of the capital sum
insured or Rs 2500/- whichever is less.
IBA Medical Insurance Scheme (cir 532/15, 538/15, 539/15, 545/15) : wef 01.06.2015 :
Medical Insurance Scheme has been introduced in our Bank with effect from 06.10.2015
The coverage under the insurance scheme is as under:
CADRE
INSURANCE COVER
Officers
Rs.4.00 lakhs
Clerical
Rs.3.00 lakhs
Sub-ordinate
Rs.3.00 lakhs
The scheme covers employee + spouse + dependent children + any two of
the dependent parents/ parents-in-law.
Hospitalisation would mean admission in a hospital / nursing

home for a minimum period of 24 consecutive hours of inpatient
care except for specified procedures/ tre atments Medical
expenses incurred immediately 30 days before the insured
person is hospitalized and relevant medical expenses incurred
immediately 90 days after the insured person is discharged from
the hospital are covered provided that such medical expenses are
incurred for the same condition for which the insured per sons
hospitalization was required.
Hospitalisation expenses in respect of the new born child shall be
covered within the mothers maternity expenses. The maximum
Canara Bank
benefit allowable under this clause will be upto Rs.50,000/- for

normal delivery and Rs.75,000/- for caesarean section.
Ambulance charges are payable upto Rs.2500/- per trip to hospital
and/ or transferred to another hospital or transfer from hospital to
home if medically advised. Taxi and auto expenses in actual
maximum upto Rs.750/- per trip will also be reimbursable.
INSURANCE COMPANY/ THIRD PARTY ADMINISTRATOR (TPA):

M/s. United India Insurance Co. Ltd., is the lead insurer and they will
be administering the policy and responsible for settlement of claims.
The insurance company will be administering the policy through a
Third Party Administer (TPA) and for our Bank, M/s. Medi Assist
India TPA Pvt. Ltd., is designated as the Third Party Administrators
and they would settle claims of our employee members and their
dependents.
An employee entitled to get himself / his dependents admitted to any
of the empanelled hospitals for treatment of any illness/ disease
requiring hospitalization without payment of any initial admission
fees.
Immediately on discharge and on submission of the bills as per the
procedure through HRMS package, the respective HRM Section shall
sanction the eligible amount as per his eligibility and make payment
to the concerned hospital as per their bills within thirty days from the
date of receipt of bills by the Bank.
In case the eligible amount sanctioned to the employee is less than
the bill submitted, HRM Section shall debit the employees account to
that extent and remit the total amount to the hospital.
While requesting for availing the cashless facility for Hospitalisation,
the employee shall give a letter of undertaking that, he shall
immediately make available the funds for the excess amount
payable by him over and above his eligibility in his operative
account and authorize the Bank to debit his account to that extent
and remit the amount to the Hospital as per the bills submitted by
the Hospital and it is the responsibility of employee to provide funds
in the a/c.
IBA Medical Insurance Scheme for Retired Officers/Employees ( cir 443/2015) :
1. Scheme is for retirees and dependent spouse only. One Time option is extended to retirees. Those
who do not opt now, will not be able to join later. Those who opted to join and subsequently opt out
,will not be able to rejoin. 2. Officers : SA Rs 4 lacs ,Premium is Rs 6573 + ST, 3. Workmen: SA Rs 3
Lacs , Premium is Rs 4930 + ST
IBA Medical Insurance scheme for Retired Officers/Employees ( Cir : 513/2015)
Retired officers /employees have to check the name, if they have submitted the option, in the list
provided by the bank. Retirees should invariably provide their e-mail and mobile number, since
insurance company requires contact detail of retirees for further communication.
IBA Medical Insurance Scheme for Retirees( Cir 538/2015) ; Web portal of TPA is
https://tpa.mediassistindia.net/iwp , which can be used for search of network hospital and also for
claim submission. Login ID and password are : staffnumber@ibacan ,DOB in dd-mm-yyyy
format Intimation of hospitalization to be submitted to TPA within 7 days of hospitalization and
Canara Bank
claim (online /offline) should be submitted to TPA within 30 days from date of discharge. Toll
free Number1800 425 52222
IBA Medical Insurance Scheme for Retirees ( cir 545/2015) : Following covers are not available to
retirees mediclaim policy 1.Maternity Expenses 2.Critical illness cover 3 Domicialaries Expenses
4.Corporate buffer 5.Dependents are not covered ( only employees + spouse)
IBA medical Insurance Scheme for the spouse of deceased employees who exited
Bank on account of death/VRS/SVRS/Superannuation ( Cir 539/2015)
Scheme can be extended (One Time Option) to Spouse of Retirees (not the dependent)
subject to payment of premium being borne by them. Option is available till 27.11.2015
Master policy has commenced from 01.11.2015 and is available till 31.10.2016
Optee has to authorize bank to debit his/her account (pension account only, if drawing pension
from Canara Bank). Bank will continue to act unless instruction otherwise is conveyed at least
one month before due date of payment of premium. Option would be treated as lapsed, in case
sufficient fund is not available. Annual premium payable is subject to change from time to time.
1.Spouse of deceased workmen employee : Sum Insured Rs 3 Lacs, Premium Rs 5621 (
4930+691) 2.Spouse of deceased officer employee: Sum Insured Rs 4 Lacs, Premium Rs
7494 (6573+921)
Defined Contributory Pension Scheme(Cir 128/2013)

New Pension Scheme(NPS) in the banking sector in respect
of employees who joined the bank on or after 01/04/2010
Employees joining the services of the Banks on or after 1st April 2010 have been
covered under Defined Contributory Pension Scheme.
The Defined Contributory Pension Scheme introduced in Banking Sector will be one
as governed by the Provisions of New Pension Scheme for the employees of
Central Government w.e.f 01/01/2004 as modified from time to time.
NPS has unbundled Architecture, where each function is performed by different entity
like:
Central Record Keeping functions are performed by the NSDL. Record keeping,
administration, Issue of Unique Permanent Retirement Account Number to each
subscribers of the NPS, maintaining a database of all PRANs issued, Statement of
subscriber and Customer service functions for all subscribers.
Funds are managed by Fund Managers from Public Sector with proven
track record and are required to invest strictly in accordance with the guidelines
issued by the Government of India and PFRDA. As per the recent notifications issued
by PFRDA, our BANK had chosen SBI PENSION FUNDS LTD as PENSION FUND
MANAGER to manage the funds of the employees.
BANK OF INDIA provides TRUSTEE BANK functions. The Trustee Bank would
manage the banking of Pension Funds in accordance with the applicable provisions
of the NPS scheme guidelines / notifications issued by PFRDA, Ministry of Finance
and Government of India from time to time.
Under NPS following two types of accounts are available:
TIER I Employer/Employee can contribute for retirement into this non withdrawal
account. Income tax benefits as per the IT Act, 1961 are available for both employer
and employee contributions.
TIER II This is a voluntary savings facility, where the subscriber can contribute directly from their
account. There is no provision to remit TIER II CONTRIBUTION from their salary. As such, under any
circumstances, no updation shall be made in the salary for recovery of TIER II / VPF for these
employees. Subscribers will be free to

withdraw savings from this account whenever they wish.
Canara Bank
Amount deducted from salary being the DCPS contribution along with Matching
Contribution from the Bank is directly transferred to appropriate authority(Fund
Manager) for investment purpose.
INTRODUCTION OF NEW SCHEME FOR PROVIDING FURNITURE / FIXTURES TO THE
OFFICERS.(Cir 303/2013, 609/2013, 467/2014)
Eligibility: The scheme will be applicable to the Officers residing in Banks accommodation/
leased residence / residence owned by the Officers and / or residence taken by the Officers
on rent.
a) All confirmed Officers in Scale-I to Scale-VII are eligible.
b) Promotee Scale-I Officers on probation are eligible to avail the scheme.
c) Direct Recruit Probationary Officers (including Specialist Officers) who are posted to a
Branch/Office on regular posting during probation are eligible to avail the facility under the
scheme, subject to execution of the BOND for the total cost of the furniture items purchased.
Whereas, Direct Recruit Probationary Officers posted to different Branches / Offices for on
the Job training periodically are not eligible to avail the facility till their confirmation.
d) Officers on contract are not entitled to avail the facility under the scheme.
Monetary ceiling/limit fixed for purchase of furniture / fixtures in respect of various scales of
officers are as under :
Monetory Ceiling including taxes ( Rs. in
Scale
Lacs)
t
a
x
e
s
(
R1.00
s. InLacs)
JMGS
I
MMGS
II
1.75
& III
SMGS
IV
2.25
SMGS
3.00
TEGS
VI
4.25
TEGS
VII
4.50
CANARA CARE HOME(Cir 305/2013, 609/2013)

Employees across the country are visiting Vellore and Mumbai for treatment of self/ dependants
which are known for better treatment of Cancer / Kidney / Heart related ailments.
As a HR initiative, the Competent Authority has permitted to set up CANARA CARE HOME at
the above places to provide accommodation facility to our employees/dependants of
ouremployees visiting the above places for the purpose of medical treatment of self or
dependant. Those employees who are in need of accommodation facility at the above places for
medical treatment of chronic ailment of self/ dependants can make use of the above facility.
Scheme for Reimbursement of expenses incurred towards purchase of cleaning
materials to Officer Employees
Scheme for reimbursement of the expenses incurred by the Officer Employees towards
purchase of cleaning material to upkeep the ambience of the quarters. The details are
furnished below: LIMITS
SL No Designation
Alowance Per month ( Maximum)
Rs.300.00
JMG Scale I
Canara Bank
MMG Scale - II
& III
Rs.400.00
SMG Scale - IV
&V
Rs.600.00
TEG Scale- VI
Rs.800.00
TEG Scale- VII
Rs.1000.00
CONDITIONS:
1. The reimbursement is permitted to Officers staying in the quarters allotted by the Bank
i.e. Bank owned quarters and Bank leased quarters. & also officers staying in the quarters on
personal lease basis at the same rate and terms and conditions (CIR 560/2014)
2. Reimbursement shall be made towards the cost of cleaning materials only.
3. The reimbursement shall be claimed before 10 th of the succeeding month & The
Officer will be responsible for proper upkeep of the quarters allotted by the Bank i.e. Bank
owned quarters and Bank leased quarters.
THE SANCTIONING AUTHORITY:
Senior Manager/Manager in charge of the branch/office and in
respect of VLBs/ELBs,
the
Senior Manager
A Upto Scale III
/Manager (Administration)
B Branch Heads
Self Sanctioning
Executives in Administrative
C Units
Concerned HRM Sections/HOSA Section
HRD MATTERS
Founders day celebrations on 19th November 2015 ( Cir 515/2015)
Action plan on Founders Day Celebration is as under:
1100 Crores disbursement under Agriculture, 50 Crores disbursement under Education
Loan
8.50 Crores DRI Linkage, 52 Crores SHG disbursement, 12 Crores PMJDY OD
sanction
INCENTIVE SCHEME FOR PERFORMANCE UNDER ATMS, PASSBOOK
UPDATION MACHINE (PUMS), CASH ACCEPTING MACHINE (CAMS), MOBILE
BANKING AND INTERNET BANKING. ( Cir 520/2015)
1. Cash Incentive Scheme for branches / Circles for performance under ATMs,
Passbook updation Machine (PUMs), Cash Accepting Machine (CAMs), Mobile Banking
and Internet Banking.
2. The contest period is from 1st NOVEMBER 2015 to 31st JANUARY 2016.
3. Branches are grouped Circle wise and Hits wise (A, B, C, D group) for the purpose of
awarding incentives. 4. Separate parameters for different group of branches for
awarding incentives.
Policy on mandatory leave & away from desk ( Cir 487/2015)
Officials have to compulsorily avail leave for at least 10 days in a single spell in each
calendar year. Training /deputation for 10 working days in a single spell will be treated
as mandatory leave for this purpose. Employees covered under be away from desk but
Canara Bank
has not availed leave continuously for 2 to 3 days in a calendar year, the competent
authority may advise the employee to be away from desk for 3 continuous working days
each year.
EMPLOYEES IMPOSED WITH PUNISHMENT OF COMPULSORY RETIREMENT
ENCASHMENT OF PRIVILEGE LEAVE ( Cir no. : 445/2015)
Board of Directors vide orders dated 31.08.2015, have permitted for extending the
facility of Privilege Leave Encashment to both the officers & workmen employees
imposed with the punishment of Compulsory Retirement on or after 30.04.2015.
The facility is also available in cases where the punishment is modified to Compulsory
Retirement by the Appellate or Reviewing Authority, as the case may be on or after
30.04.2015.
SCHEME OF COMPASSIONATE APPOINTMENT. COVERAGE ( Cir 143/2015) wef
05.08.2014
To a dependent family member of a permanent employee of our
Bank who a) dies while in service (including death by suicide), b) has
retired on medical grounds due to incapacitation before reaching the
age of 55 years. {Incapacitation is to be certified by a duly appointed
Medical Board in a Government Medical college / Government District
Head Quarters Hospitals/ Panel of Doctors nominated by the Bank (i.e.
General Manager, Human Resources Wing) for the purpose.}, c) has
been missing and has left over service of more than two years.
For the purpose of the Scheme, employee would mean and include
only an employee appointed on a regular basis against permanent
vacancy, who was serving full time or part time on scale wages, at the
time of death/retirement on medical grounds, before reaching age of 55
years and does not include any one engaged on contract/temporary/
casual or any person who is paid on commission basis.
Cases of missing employees are also covered under the Scheme for
compassionate Appointment subject to the following conditions: A request to grant the benefit of compassionate appointment can be
considered only after a lapse of two years from the date from which
the Employee has been missing provided that;
An FIR to this effect has been lodged with the Police,
The missing person is not traceable, and
competent authority feels that the case is genuine.
This benefit will not be applicable to the case of an Employee; Who
had less than two years to retire on the date from which he has been
missing ; or Who is suspected to have committed fraud, or suspected
to have joined any terrorist organization or suspected to have gone
abroad. Compassionate appointment in the case of a missing employee also
will not be a matter of right as in the case of others and it will be subject to
fulfilment. of all the conditions, including the availability of vacancy, laid down
for such appointment under the scheme;
While considering such a request the results of the Police investigation will
also be taken into account.
The following documents are required in case of a missing Employee;
Canara Bank
Certified Copy of Complaint and First Information Report lodged with

the Police.
Certified Copy of Final Report submitted by the Police confirming that
employee is not traceable.
Indemnity bond cum Affidavit as per prescribed format in Annex IV of Cir
143/2015 on appropriate stamp paper as per law.
Affidavit of two prominent local persons.
A decision on any such request for compassionate appointment shall be
taken by the MD & CEO of the Bank.
DEPENDENT FAMILY MEMBER: The term dependant family member
means Spouse; or Wholly dependent son(including legally adopted
son); or Wholly dependent daughter (including legally adopted
daughter); or Wholly dependent brother or sister in the case of
unmarried employee. The appointment under the scheme shall be
made in the Clerical and Substaff cadre only.
TIME LIMIT FOR CONSIDERING APPLICATIONS: Application for
employment under the Scheme from eligible dependent will normally
be considered upto five years from the date of death or retirement on
medical grounds and decision to be taken on merit in each case.
Staff Meeting: (Cir no.224/04, 75/2005, 217/2007,136/2012 ,183/2014 )

It aims at Open Culture, Family Feeling, Group Synergy and Talent Recognition .
Agenda can reflect variety, topicality of issues and branch specific priorities.
Conducting staff meeting on third Friday of every month is mandatory .It may be
conducted during office hours and may stretch beyond office hours at time .
Once in a month with agenda decided well in advance.
Expenditure: ? 20/- per person, per month/meeting.
A goal oriented, target, task oriented, education oriented meetings.
Job Rotation(Cir.75/2005, 217/2007):Compulsory both at branches and also at
administrative units upto II Line Managers.
The Job Rotation should be normally effected once in every six months. However, the
branch-in-charge, depending on the size of the branch and departments handled, can
have some flexibility regarding the period. But, the same should not be more than 12
months. This is to ensure smooth change over without affecting the customer service.
Quality Circle
For self development and mutual development
Tea/Coffee expenses towards QC meeting: Rs.5/- per head per meeting once a
fortnight, maximum six meets per quarter.
Incentives: Circle level competition, Rs.30/- each for badge with Banks logo and
Rs.750/- for photocopying etc.
At apex level competition or QC conventions, maximum of ?1000/- per member of
presenting team for uniform, tie or saree for female member.
For international competition, ?3,500/- per member for purchase of uniform blazer.
For External Competition held with in India, `3000/- for material preparation.
For International Conventions with in the country or aborad, maximum of `5000/- per QC
team for presentation material.
Canara Bank
QC team can ideally have 5-7 members.

Leader and Deputy leader will be there, selected within the team.
Branch incharge will act as a facilitator only.
Employees Suggestion Scheme: (Cir no.14/2004, 233/2010)
To put in place system, procedures & reduce risk to inculcate team spirit.
All employees of the Bank are eligible to participate.
Employees in O&M Section, Management Audit System, Inspection Wing
and their overseeing executives are not eligible.
Group of employees: Minimum 3 and Maximum 5.
Suggestion through e mail to: inspwingom@canarabank.com
Accepted Suggestions will be rewarded as follows:
Appreciation letters signed by DGM of the Circle/GM Personnel Wing
It will be noted in personal records
Cash awards X3,000/- & X5,000/- for individual and team respectively.
Names with photographs of the prize winners will be published
annually in Shreyas
Memo will be issued.
Annual Awards: 6 Best Suggestions : I X10,000/II X7,500/- &
III
X5,000/- and 3 consolation prizes : X3000/- each.
Special Award : adhoc by CMD for reduction in expenditure or in
preventing frauds.
Whistle blowing: It means reporting of irregular practices in any operational areas including
frauds and malpractices by an employee to higher authorities. Whistle blowing to be done to
any of the following: Vigilance department, HO; Executives in charge of HRM in CO;
Executives @ ZI // AGM @ Personnel wing, HO.
Brain Storming Session: Periodicity is quarterly. A corporate topic is debated at all levels by
involving a cross section of employees and valuable feedback gathered will help HO to
introduce new systems/ bringing changes in existing systems and procedures/schemes, etc.
Report should be sent to controlling office.
Study Circle: ~ Under this forum of Study Circle, important topics can be discussed like Time
Management, Stress Management, Yoga and Meditation, Taxation, Blood Donation, Basel II
norms, Quiz Program, etc. However, care to be taken to see that the topic chosen is
interesting one and kindle desire in the minds of employees and active their thinking process.
~ Periodicity of conducting study Circle meeting is once in 3 months in case of branch and
bi-monthly in CO.
~ Topics of banking/non-banking will be discussed by inviting a guest speaker who is well
versed with the topics.
~ Honorarium of ?200 can be paid in case of branch having staff strength of less than 50 and
?500 in case of CO/Branch having more than 50 staff strength.
Presentation of Milestone Awards(Cir 130/2000, 247/2011) :~ Wef February 1990. After
completion of 25 years of meritorious service
~ The award will be in the form of any one article, like wrist watch, silver, salver or any other
article of the officers choice.
~ The cost of the award should not exceed ?5000/- (Enhanced from earlier ?2000)
Canara Bank
~ The enhancement shall become applicable in respect of all employees who become eligible
to receive the Award from 01/04/2011 onwards i.e., due for presentation from October
2011.
~ Debit to: General Charges-Staff Welfare Account and the bills will be lodged with the (third
copy) of the GC slip at the branch itself.
~ The award will be presented in the monthly staff meeting.
~ Award may be presented during the staff meeting of April / October Every Year
Exit Interview: Exit Interview is for employees who are retiring from the services of the
Bank on superannuation, resigning from the services of the Bank and those who have
opted for Voluntary Retirement. Exit Interview is to be conducted by a person a rank
higher than the retiring/resigning person
Incentive Scheme For Officers And Clerical Employees For Taking Up Post Graduate
/Certificate/ Diploma Courses- (Cir no.311/06, 256/2011, 271/2011,23/2012)
Group I Certificate / Diploma Courses
Incentive of `5000/- for completing PG Diploma in Financial Advising and

Certificate course in Anti Money Laundering (AML) & Know your Customer
(KYC) In order to address the needs of Career Development
Programme of candidates, IIBF has introduced 11 electives . As per
the modified CAIIB exam , the candidates appearing for CAIIB have to
invariably clear any one of the elective subjects. However, for
candidates who have already passed the CAIIB exam in the previous
attempts, they can independently apply for any elective subjects of
their choice for which introduction of cash incentives will be considered
for continuing the professional development. Hence, the 11 elective
papers have been brought under Group I of our incentive scheme and
a cash incentive of `5000/- will be paid on successful completion of any two
or more verticals.
URL for eLearning Material of JAIIB / CAIIB:
http://canaraelm:8010/psp/elmtest/EMPLOYEE/ELM/?cmd=login
Group II PG Courses
`10000/- for Masters in Financial Management (MFM)
Under Group II, the maximum course fee reimbursable will be `50,000/(w.e.f. 5.5.2011)
Depository Operations Certification Examination (DOCE) of National
Institute of Securities Marketing has been included in the banks
incentive scheme. A cash incentive of `5000/- along with the course
fee of `1000/ will be reimbursed to the candidates on successful
completion of the certificate course. (HROD 73/2011)
Certificate Course on Customer Service and Banking Codes &
Standards conducted by M/s IIBF, Mumbai has now been included
under the Incentive Scheme of the Bank for Higher Learning. All
confirmed Officers and Clerks in service are eligible to take up the said
course. (HROD 7/2012)
Inclusion of Life Insurance Certification for sourcing Life Insurance
Business by our Employees under the Banks Incentive Scheme. The
actual training expenses will be reimbursed by the Bank and a cash
Canara Bank
award of `2500/- will be paid to the employees on successful

completion of the Certificate course.
DELPHI COURSES & INCENTIVE SCHEME (MEMO 20 / 2015,52& 79/2012)
DELPHI stands for Developing Excellence through Learning Process for Higher
Involvement. It is a distance education programme of our Bank, aiming at individual
excellence and organizational success. DELPHI provides a platform for structured learning. The
contents are specially developed with the practical requirements in mind, by competent faculties
and is always under the dynamic process of constant revision. DELPHI is open to all employees
of the Bank, except PTEs. Enrolment to different courses can be taken up at any time of the
year by applying in the prescribed format to Delphi Section, Staff Training College, Bangalore,
through the Branch Manager / Section-head.
Sub-staff can enroll for Foundation Courses.
Ground Rules : There are three different courses under DELPHI Scheme viz.,
FOUNDATION COURSES - covers preliminary & fundamentals of Banking.
DEVELOPMENT COURSES - covers the area beyond the fundamental subjects
SPECIALISED COURSES - covers specialization in Advances, Forex, Agriculture & Information
& Technology. The number of subjects covered under each course is as follows :
- Foundation Course - 9, - Development Course - 10 - Specialization Course 6 ;Total 25
The staff member is permitted to take up any one subject at a time out of the 25 subjects.
-He / she shall be given 9 (Nine) months time to complete the course without any break
- In case the member does not complete the subject within 9 months of commencement,
his/her name will be deleted for that course. However such members may offer alternate
courses of their choice. Each subject consists of about 10 case studies.
DELPHI INCENTIVE SCHEME
As a token of appreciation and encouragement to staff members the DELPHI Incentive scheme
came into operation w.e.f. 28-01-1997.
Considering a good response to the scheme and its popularity from staff members the
competent authority is pleased to permit revision of the DELPHI Incentive Scheme to make the
scheme more attractive and the revised Incentive Scheme is as under:
On completion of any one subject under Foundation Course
Rs. 1,000/- asIncentive
On completion of any one subject under Development Course
Rs. 2,000/- as Incentive
On completion of any one subject under Specialized Course
Rs. 3,000/- as Incentive
The Incentive will be awarded for purchase of Books / CDs etc., worth respective amount on
submission of Bills / Vouchers.
+ The above revised scheme comes into effect from 01- 04 -2015 and tenable till
31.3.2018.
PAYMENT OF EX-GRATIA:
The Bank can have both the options i.e. compassionate appointment or payment of
lumpsum ex-gratia amount. However, any of these two options can be used only when the
other conditions of compassionate appointment are met. In such case the quantum of
exgratia shall be as under:QUANTUM OF EXGRATIA:
The exgratia amount shall be calculated @ 60% of the last drawn gross salary (net of taxes)
for each month of remaining service of the employee (i.e. up to the age of superannuation in
terms of extant service rules / conditions) at the time of his / her exit subject to the cadre-
Canara Bank
wise ceiling of Maximum Amount, mentioned as below, will be payable.

The cadre-wise ceiling on exgratia amount payable will be as follows:
CATEGORY
MAXIMUM AMOUNT
Officers
Rs 8.00 Lakhs
Clerical Staff
Rs 7.00 Lakhs
Subordinate
Rs 6.00 Lakhs
Canteen Subsidy(Cir. 198/2001, 93/2007,264/2012) : ~ All branches, irrespective of the
staff strength, are eligible for canteen subsidy. ~ The Subsidy amount at the rate of Rs
75/- per month, per
employee shall be released by the Bank to the caterer
directly (w.e.f. 1/9/2012).
Festival Advance to Employees(Cir. 31/2011)
~ To employees who joined the Bank on or after 06.12.1990 will be restricted to one months
emoluments which may comprise of Basic Pay + Special Pay + DA etc., but excluding
HRA & CCA subject to a maximum of :
~ 230,000/- for Officers
~ ? 20,000/- for Clerical Staff
~ ? 15,000/- for Sub-ordinate staff
Business Development Expenses(cir no.177/08 ,478/2014, 589/2014)
CATEGORY OF OFFICERS
OTHER THAN BRANCH HEAD
BRANCH HEAD*
JMG SCALE I
Rs 6000/-
Rs 7000/-
MMG SCALE II
Rs 7000/-
Rs 8000/
MMG SCALE III
Rs 8000/-
SCALE IV
Rs10000/-
Rs10000/-
RS 12000/-
RS 12000/-
SCALE VI
RS 20000/-
RS 20000/-
SCALE VII
RS 25000/-
RS 25000/-
SCALE
Rs
9000/-
~ Direct recruit during Probation - PO scale -1 : Rs 3000/- ,

Scale-II : Rs 3500/- , Scale III : Rs 4000/- . If Direct
recruit is In charge : at par with confirmed officer .During first year of service : Prorata for each
calender month. The service of 15 days or more in the first calender month will be treated as
one month .
Disclosure policy 2008-09 of the Bank (cir 217/08)
(Cir.290/2010)
Authorised Spokespersons:
~ Information regarding the Bank shall be disclosed externally to media, investors & analysts
only by the Authorized Spokespersons in accordance with the relevant internal policies.
Only the C & MD and the Executive Director/s shall speak on the Banks behalf on
Canara Bank
financial matters, with the media, investors and analysts.

~ They may from time to time designate others to speak on behalf of the Bank or respond to
specific enquiries from the investment community or media.
~ No other officer or employee of the Bank shall speak to analysts, institutional shareholders
or journalists regarding the Banks financial matters.
Livery To Subordinate Staff(Cir no.356/2011)
Ceiling limit for providing livery to all subordinate staff including Part-Time Employees on
Scale Wages is enhanced as follows:
Terrycot Livery : `2,500/- for 3 sets once in 2 years [existing limit `2000/-]
Woollen livery : 22,500/- for 1 set once in 3 years [existing limit 22000/-]
The above limits will be effective from 01.12.2011
Non-wearing of uniform while on duty shall constitute a Minor Misconduct. Continuous non
wearing of livery will be treated as a Major Misconduct and appropriate action will be
initiated.
Shoes and socks to sub staff and House Keeper cum peon once in two years w.e.f
26.08.2014. Rs 999/- for purchase of BATA shoes (Black )and Rs 60/- for purchase of two
pairs of socks ( White / Skin color ) once in two years . Lady sub staff / HKP may opt
Sandals .HKP may purchase rubber shoes /gum boots within limit .(491/2014 )
Reimbursement Of Lodging Expenses To Officers With effect from 01-03-2008: (cir
68/08)
GRADE OF OFFICERS ELIGIBILITY
MAXIMUM
ROOM
TARIFF
PERMISSIBLE
(EXCLUSIVE OF
ADMISSIBLE TAXES)
MAJOR
CLASS
CITIES
4* Hotel
26,800/3* Hotel
24,000/2*
Hotel 22,400/(Non AC)
1*
Hotel 21,600/(Non AC)
Scale-VI & VII

Scale-IV & V
Scale-II & III
Scale-I
A AREA-I
OTHER
PLACES
23,400/
22,400/
21,600/
23,000/
22,000/
21,200/
21,200/
2800/
RENTAL CEILINGS FOR Scale I, II, III with effect from 01 07-2015 (Cir 340/2015)
Place / Centre
Classification
Delhi(Including
Gurgaon,
Ghaziabad)
& Mumbai
Bangalore,
Kolkata,
Hyderabad,
Secunderabad,
Chandigarh, Faridabad, Pune
Scale
2p.m.
&
20000
I Scale
II
2 p.m.
21000
Chennai,
Ahmedabad,
17000
17500
Noida
Scale
III
2 p.m.
22000
18000
Canara Bank
13500
14000
All
State
Capitals,
Area-I
and 13000
places
with population
of 10
lacs
and above including Port Blair.
11500
12000
Other Places
in GOA
(Except
Panji, 11000
which falls
under the
category
of
State Capital)
Area-II
(Centres with population of 10000
10500
11000
1 lac and above but below 10 lacs)
Area III
(All other
Centres),
i.e. 6500
7000
7500
population below 1 lakh
1. In case Bank (owned / leased) quarters are available, the officer has to necessarily
occupy the same and shall not be entitled to claim rental reimbursement. Further, in
case a subsisting lease is prematurely terminated, even at the behest of the landlord,
such cases shall be permitted only by the Circle Head [by Head of G A Wing, HO in
respect of Officers in HO] after due diligence and duly ensuring that such termination of
lease is not for availing the benefit of the rental enhancement now permitted.
2. In respect of quarters of Officers / Managers / Sr. Managers working in Urban
Agglomeration of Cities the rental ceiling shall be as applicable to the respective cities.
3. The accommodation taken by the officers posted to the North East Region and falling
under the Government guidelines for two way quarters facility will continue to be
considered at 60% of the prevailing rates of rental reimbursement fixed at Area I to III
as revised from time to time.
I.
LODGING/HOSTEL/PAYING
GUEST
ACCOMMODATION
TO
OFFICER
EMPLOYEES:
1. The confirmed Officers may opt for staying in Lodge / Hostel / PG Accommodation
instead of availing full-fledged quarters subject to the condition that no Bank owned
quarters / Bank leased quarters are available at the Centre.
2. Similarly the POs who join the Bank hereinafter shall also be extended with the facility
to stay in Lodge / Hostel / PG Accommodation till they are on probation if the Bank is
unable to provide accommodation and may suitably opt to continue under this facility
or for quarters facility upon their confirmation.
3. The reimbursement, both for confirmed officer employees and for the POs joining
hereinafter, shall be fixed at 60% of rental reimbursement applicable to the place of
posting or the actual cost whichever is lower, subject to deduction of standard rent.
4. The reimbursement inclusive of tax as applicable shall be based on production of
proper receipt. However, it shall be exclusive of food charges, laundry charges,
electricity / water charges etc.
Amendment to the Schedule to the Canara Bank Officer

Employees [Discipline & Appeal] Regulations, 1976 (Cir.114/2010)
Scale-I
to III
Disciplinary Authority-DA: AGM or In his absence DGM

Appellate Authority: DGM, HO or in his absence
GM:HO.
In cases where the DGM is the DA, the
Appeal shall lie to the GM: HO.
Reviewing Authority: GM, HO or in case he is functioning as Appellate Authority, ED
Canara Bank
News Paper Reimbursement: (Cir.325/2011, 591/2015)
The reimbursement of expenses towards newspaper subscription shall be against

declaration on quarterly basis w.e.f. January 2011.
The employee shall submit claim for reimbursement in the prescribed format before
the last day of succeeding quarter.
For Workmen Employees: Quantum of reimbursement shall be restricted to
90% of the cost of any one local/ regional/ national/ financial daily newspaper
for both clerical and subordinate staff for the expenses incurred on or after
01.01.2016
For Officer Employees: Quantum of reimbursement shall be restricted to 90% of the
cost of the newspaper.
The above procedure shall be applicable to the Executives also, without any
change in the existing permissible limits of reimbursement of news paper
subscription
Definition of family: (medical facilities & LFC purposes)

~ Family = employees spouse + wholly dependent unmarried children (including step
children and legally adopted children) + wholly dependent physically challenged brother /
sister with 40% or more disability, as also parents ordinarily residing with and wholly
dependent on the employee.
~ The term wholly dependent means monthly income not exceeding Rs.10000/- p.m.
~ If the income of one of the parents or the aggregate income of both the parents exceeds
?10000/- p.m., both the parents shall not be considered as wholly dependent.
~ A married female employee may include her natural parents or parents-in-law under the
definition of family but not both provided that the parents/parents-in-law are ordinarily
residing with and wholly dependent on her.
Medical Aid: (On and from 1.11.2012):
Officers in JMG & MMG Scales28000/-p.a.

Officers in SMG & TEG Scales - 29050/-p.a.
For workmen/ Sub-staff Rs.2200/-p.a

Deputation Allowance (w.e.f. 01.06.2015)
An officer deputed to serve outside the Bank : 7.75 % of Pay with a maximum of Rs. 4000/p.m.
An Officer deputed to an organisation at the same place or to the Training establishment of
the Bank : 4 % of Pay with a maximum of Rs. 2000/-p.m.
Mode of Travel and Expenses on Travel (Under Other Allowances)
It is reiterated that the following provision shall continue to apply wherever an officer is
required to travel on duty:
An officer in Junior Management Grade is entitled to travel by 1stClass or AC 2-tier
Sleeper by train. He may, however, travel by air (economy class) if so permitted by the
Competent Authority, having regard to the exigencies of business or public interest.
Canara Bank
An officer in Middle Management Grade is entitled to travel by 1stClass or AC 2-tier

Sleeper by train. He may, however, travel by air(economy class) if the distance to be
travelled is more than 1000 kms. He may, however, travel by air (economy class)
even for a shorter distance if so permitted by the Competent Authority, having regard
to the exigencies of business or public interest.
An officer in Senior Management or Top Executive Grade is entitled to travel by AC
1stClass by train or by air (economy class).
An officer in Senior Management or Top Executive Grade may travel by car between
places not connected by air or rail provided that the distance does not exceed 500 km.
However, when a major part of the distance between the two places can be covered by
air or rail only the rest of the distance should normally be covered by car.
Any other officer may be authorised by the Competent Authority, having regard to the
exigencies of business, to travel by his own vehicle or by taxi or by the Banks vehicle.
Note: Entitlement by Steamer Delux Cabin
Leave Fare Concession (w.e.f. 01.06.2015)
1. During each block of 4 years, an officer shall be eligible for leave fare concession for travel
to his place of domicile
once in each block of two years. Alternatively, he may travel in one block of two years to
his place of domicile and in another block of two years to any place in India by the shortest
route.
2. Alternatively, an officer, by exercising an option anytime during a 4 year block or two
year block, as the case maybe, surrender and encash his LFC (other than travel to place
of domicile) upon which he shall be entitled to receive an amount equivalent to the eligible
fare for the class of travel by train to which he is entitled up to a distance of 4500 kms
(one way) for officers in JMG-Scale-I and MMG Scale II & III and 5500 kms (one way)
for officers in SMG-Scale IV & above. 3.Anofficer opting to encash his LFC shall prefer the
claim for himself / herself and his / her family members only once during the block / term
in which such encashment is availed of. The facility of encashment of privilege leave while
availing of Leave Fare Concession is also available while encashing the facility of LFC.
4. The mode and class by which an officer may avail of Leave Fare Concession shall be
the same as the officer is normally entitled to travel on transfer and other terms and
conditions subject to which the Leave Fare Concession may be availed of by an officer,
shall be as decided by the Board from time-totime. Provided that w.e.f. 1stMay 2010 an
officer in Junior Management Grade Scale I while availing LFC will be entitled to travel by
air in the lowest fare economy class in which case the reimbursement will be the actual
fare or the fare applicable to AC 1stClass fare by train for the distance travelled whichever
is less. The same rules shall apply when an officer in Middle Management Grade Scale II
and Middle Management Grade Scale III while availing LFC where the distance is less than
1000 kms.
Incentive Scheme To Honor Alert Staff - Fraud Prevention
(Cir 255/07, 324/2009)
Upto `10000/- : Cash Award `500/- + Appreciation letter CO Head
10001/- to `1 Lac Cash Award upto Maximum of `2000/- + Appreciation letter by CO
Head
100001 to `5 lac - `7000/- + App. Letter by
ED
Canara Bank
`500001 and above - `10,000/- + App. Letter by
CMD
Same above for culprits caught in the branch

Frauds under advances detection of kite flying, hypothecation of spurious stocks,
impersonation to be detected within 3 months, Branches have to report all cases of
actual/suspected frauds immediately on detection within 24 hours to Review & Reporting
Section Technology Risk and Fraud Prevention (TR & FP) Wing(Earlier with Inspection
Wing), Ho with copy to CO. Observations of the concurrent auditor/inspecting officials are tobe
furnished in the fraud report.
Police complaint has to be lodged immediately including attempted frauds without fail after
obtaining permission from R & L, CO. No discretion to waive lodging of police complaint.
Reports should be signed by branch in charge.
Chief Vigilance Officer of the Bank Sri Raj Kumar Alreja
Cir 232/07 A Banking Odyssey The Story of Canara Bank M.V.Kamat Published
by M/s.Konark Publishers Pvt Ltd, Delhi
Price 21500/- Staff 2500/Group Personal
Accident Insurance
572/2014)(01.09.2014 to 31.08.2015)
For death
Category
Rest
of
India
1,25,000/-
Policy
for
Employees:
For
Temporary/Partial/ Total disability
Clerks/Special Assistants 1,50,000/-
3,00,000/-
Rest
of
India
Not
applicable
- do -
Officers
Scale I
Officers
Scale II & III
Exes.
In
IV and V
Exes.
In
VI & VII
5,50,000/-
50,000/-
Sub-staff/PTE
in
300,000/-
(Cir
Jammu
Kashmir
1,50,000/-
&
Jammu
&
Kashmir
Not
applicable
- do 1,00,000/-
in
4,00,000/-
Scale-
6,00,000/-
Scale
7,00,000/-
1,00,000/9,50,000/-
2,00,000/-
2,00,000/-
Annual Performance Appraisal (APA) System For Officers in Scale I to VI(Memo No:
26/2013, 17/2015) Evaluation Will be under 3 broad parameters for Budgetary & 2 broad
parameter for non-budgetary.
Evaluation pattern for Budgetary

Sl
No.
i
)
i
)
i
)
Parameters
Business Dimensions
Qualitative spects of business
Managerial Dimensions
TOTAL
Evaluation pattern for Non-Budgetary
Marks
60
10
30
100
Canara Bank
Sl
No.
i
)
i)
Marks
Parameters
Key Responsibility Area
Managerial Dimensions
TOTAL
50
50
100
Each broad parameter has sub parameters. Marks can be awarded in fractions upto 2
decimal points.
The marks awarded/rating matrix under each parameter is as follows :

Rating
Outstanding
Very Good
Good
Average
Below Average
Matrix
90 to 100
75 to <
90
60 to <
75
40 to <
60
Below 40
Rating will be communicated to employee in all cases.

With regard to Period Worked by an officer the following
revised guidelines are advised: Wherever an Officer has
worked in more than one branch/office during the reporting
year, APA report as at 31st March, either budgetary or nonbudgetary, has to be submitted by the Officer as applicable
to the branch/office where the Officer has worked for a
maximum period. However, the Officer is also required to
submit his performance report under KRA/Business parameters
whichever is applicable also of all other branches/offices worked during the reporting year
under Self Appraisal of the APA Report.
Revised Specified Authorities : Wherever Specified Authority for Reporting & Review is
not indicated, GM (HR Wing) would be the authority to nominate the Specified
Authorities. Further, in cases where the Reviewing Authority is the MD&CEO, the
Reviewing & Accepting Authority shall be same.
Mandatory Leave(Cir 642/2013)
All members of the staff will have to compulsorily avail leave for at least four continuous
days in each calendar year against leave standing to their credit and after obtaining
regular sanction thereof from the competent authority.
The branch head / Manager (Administration) shall ensure and confirm that the password
of the employee thus going on leave has been disabled during the period of leave.
The employees shall plan their leave taking in such a way that the same shall not affect
the smooth functioning of the branch/ office.
If any employee is not taking "4 days of Continuous " leave for any reason,
branches/offices instead of insisting the employee to go on leave, shall report names of
such employees to inspecting officials during the inspection of branch/office, who in turn
have to comprehensively examine the decision taken/transaction put by such employees.
The findings thereon shall be documented in a separate section of the Audit/Inspection
Report.
Canara Bank
Sabbatical Leave Scheme (Box Item 92/2006, 235/2000, 20/2000,157/2012)

~ Purpose:
1. For prosecuting higher studies both inland as well as abroad.
2. Health grounds of self / dependent family members.
3. Joining the spouse
4. Taking care of the family or children.
~ Eligibility: Employees who have put in 5 years of active service & Confirmed
employee(Relaxation can be permitted)
~ Period of leave: Minimum period of leave 1 years at a time continuously and can be
extended upto 2 years. Number of
occasions leave can be availed shall be restricted to 2 times in the entire service of
the employee subject to a maximum of 2 years. Before expiry of sanctioned leave,
employees cannot rejoin duty.(For women employee minimum period is 3 month)
~ For outside employment, prior permission from Competent Authority is to be obtained.
~ Employees who intend to avail leave under this scheme shall submit an application with
other undertakings to the GM, HR Wing and shall give 3 months notice.
~ In the case of woman employees, this can be availed as an extension of Maternity leave
even though minimum stipulated service of 5 years is not completed.
Paternity Leave :With effect from 01.06.2015, male officer employees with less than two
surviving children shall be eligible for 15 days paternity leave during his wife's confinement.
This leave may be combined with any other kind of leaveexcept casual leave. The leave
shall be applied upto 15 days before or upto 6 months from the date of delivery of the child
Special Sick Leave :With effect from the 01.06.2015, Special Sick Leave up to 30 days may
be granted to an officer employee once during his/her entire period of service for donation of
kidney/ organ
Banks New Brand Identity Standardization of Business Cards:
(Cir. 132/2008)
Size
55mm x 90 mm
300 gsm Lycum Mat Finish Art
Board or equivalent
Paper quality
Colours
Canara Bank Blue

(100% Cyan) Canara Bank Yellow
(0C 25M 100Y 0K)
Black.
Bank
name
Two colour logo on a white background.
It should
with logo
be placed at the top-right corner.
DIGITAL printing for GMs / Circle Heads & SCREEN printing for other
Printing
executives / eligible officers
Eligibilit y
Scale I officers heading branches // All Managers
/
Senior
Managers
//
Scale
I
officers
drafted/designated
for
Marketing
//
Public
Relations // Deputation to other Institutions
Minor Penalties:
(a) Censure;
(b) Withholding of increments;
(c) Withholding of promotion;
(d) Recovery from pay or such other amount as may be due to him of the whole or part of
any pecuniary loss caused to the bank by negligence or breach of orders;
Canara Bank
(e) Reduction to a lower stage in time scale of pay for a period of not exceeding 3 years,
without cumulative effect and not adversely affecting the officers pension.
Major Penalties:
(f) Save as provided for in (e) above, reduction to a lower stage in time scale of pay
for a specified period with further directions as to whether or not the officer will earn
increments of pay during the period of such reduction and whether on expiry of such
period the reduction will or will not have the effect of postponing the future increments of
his pay.
(g) Reduction to a lower grade or post
(h) Compulsory retirement
(i) Removal from service which shall not be a disqualification for future employment.
(j) Dismissal which shall ordinarily be a disqualification for future employment.
Canara Bank Officers Service & Regulations 1979 Regulation no & Details
15 Probation: Direct Recruit 2 years, Promoted officer 1 year
24 Medical Aid: May accumulate unavailed medical aid so as
not to exceed 3 times the maximum amount.
32 Casual Leave:
12
days in a year.
Availment maximum 4
days at a time.
Privilege Leave:
Eligible for PL of one day for every 11
days of
service on
duty. No
PL
may be
availed before
completion of 11 months of service on duty. Accumulation
of PL not more than 270 days except where leave has been
applied for and it has been refused. Notice of not less
than 15
days required
for
PL.
Encashment of
Privilege
Leave shall be restricted up to a maximum of 240 days.
34 Sick Leave: Eligible for
30
days sick
leave for
each
completed year of service, maximum 18 months or 540 days
on production of medical certificate. SL will be on half
pay payable, commutation of SL with full pay permissible.
35 Additional Sick Leave:
Eligible after completing 24 years
of service one month for each year of service in excess of 24 years subject to a maximum of 3
months.
36 Maternity
Leave: At
a
time
upto 6
months
on
any
occasion.
Not
more than 12
months
during the
entire
service.
37 Compulsory Availment of Leave: All members of the staff will have
to compulsorily avail
leave for at least four continuous
days in
each calendar
year
against leave standing to
their credit and
after obtaining
regular
sanction thereof from the competent authority.
Canara Bank
38 In case of Casual Leave & Privilege leave upto 3 times,

if the
authority
is
not
taking a decision
within
mentioned
above, the HRMS
leave package will
requests
after completion
of
five working days
starting date of leave availment.
concerned
sanctioning
stipulated
time as
automatically approve such leave
from the
Acceptance of Gifts : (Canara Bank Officer Employees (Conduct) Regulations 1976)

On occasions such as marriages, anniversaries, funerals or religious functions when the
making of gifts is in conformity with the prevailing religious or social practice, an officer
employee may accept gifts from his near relatives but he shall make a report to the
competent authority if the value of the gift exceeds 2500/- .
On such occasion as specified in sub-regulation (2) an officer employee may also accept
gifts from his personal
friends having no official dealings with him but he shall make a report to the competent
authority if the value of such gift exceeds ?200/-.
In any other case, the officer employee shall not accept any gifts without the sanction of
the competent authority if the value of the gifts exceeds ?75/-.
Provided that when more than one gift has been received from the same person or
concern within a period of 12 months the
matter shall be reported to the competent authority if the aggregate value thereof exceeds
?500/-. Note: As a normal practice an officer employee shall not accept any gift from any
person or institution having Official dealings with the officer employee.
Transactions exceeding 225000/-: (Cir. 302/2006)
As per Regulation 20(4) of Canara Bank Officer Employees (Conduct) Regulations 1976:
Every Officer employee shall report to the competent authority every transaction concerning
movable property owned or held by him either in his own name or in the name of a member
of his family, ;if the value of such property exceeds `25,000/-. All officer employees are
requested to report transactions as above within 30 days of such transaction to the
Competent Authority.
Movable, Immovable and Valuable Property: (Cir.124/1993, 61/2004):

In terms of Regulation 20(2) of Canara Bank Officer Employees (Conduct) Regulations,
1976, every officer employee shall every year submit a return of his movable/immovable
and valuable property including liquid assets like shares, debentures as on 31 st March of
that year to the Bank before 30th June of that year.
Erosion of Income : Action against the Erring Employees: (As per Interest collected,
commission manual updated till 30-11 2003)
~ Income leakage upto `5000/- and when it is recovered, no letter need be addressed.
~ If Income erosion is more than `5000/- and less than `10,000/- (if the amount is
recovered)
~ 1st instance
: Advisory Letter
nd
~ 2 instance
: Advisory Letter (irrespective of amount
ie even less than `5000/- also)
~ 3 rd instance: Caution letter and entry in the service record
~ 4th instance
: Disciplinary Action
Canara Bank
`10,000/- and Above upto `25,000/- (even if the amount is recovered)

~ 1st instance
: Advisory Letter
~ 2nd instance (irrespective of amount)
: Caution Letter
rd
~ 3 instance
: Disciplinary Action
Above `25,000/- (even if the amount is recovered)
~ 1st instance
: Caution Letter
~ 2 nd instance (irrespective of amount) : Disciplinary Action
10th Bipartite Settlement Duties & Resonsibilities of Special Assistants (BI
No.75/2010, 70/2010, 323/2015 )
Special Assistants and Temporary Supervisors shall pass independently,
manually or online, cash instruments upto `50,000/- and clearing and transfer
cheques, vouchers etc., [whether debits or credits] upto and including `
1,50,000/-.
Passing will include verification of signatures and scrutiny as to the correctness of
endorsements on and other particulars of such instruments.
There shall be no limits for verification of signatures, passing of authenticated credit
vouchers / entries and for verifying authenticated vouchers in the ledgers, books,
computer print-outs etc.
Special Assistants shall count currency notes upto and including the denomination of
?500/-.
It was agreed to deploy the services of Special Assistants in other departments
such as bills, clearing, advances etc
Introduction of Cheque System for Payment of PF Settlement
Branches not to keep cheque for more than 15 days with them (cir 329/2010)
Gratuity amount sanctioned upto ?10.00 lakhs (present ceiling) under the Act is not
taxable (cir 330/2010)
In case Gratuity cheque is not delivered to ex employees for any reason, it has to be
returned to HO immediately after 15th day. Branches not to keep cheque for more than
15 days with them.
Canara Bank Employees Pension Regulations, 1995
Acceptance of VRS, Sanction of Pension: :Workmen: AGM/DGM of Circle. Officers in
Scale, I, II & III & Executives in Scale IV, V General Manager, HR Wing Scale VI :
ED., Scale VII: CMD ( Cir 12/2014 )
If a pensioner who immediately before retirement was holding the post of an officer
and wishes to accept any commercial employment before the expiry of one year from
the date of his retirement , he shall obtain the previous sanction of the Bank to such
acceptance .( 243/2014 )
Scheme for Extending Cashless Facility for Hospitalisation to Our Employees (cir
87/2011)
The Bank will enter into a tie-up arrangement with reputed hospitals for cashless
facility in the matter of treatment of our employees and their dependants as
inpatients
An employee entitled to get himself / his dependents admitted to any of the
empanelled hospitals for treatment of any illness/ disease requiring hospitalization
without payment of any initial admission fees.
Canara Bank
Immediately on discharge and on submission of the bills as per the procedure

through HRMS package, the respective HRM Section shall sanction the eligible
amount as per his eligibility under the Bipartite Settlement/ Joint Note and make
payment to the concerned hospital as per their bills within thirty days from the date
of receipt of bills by the Bank
In case the eligible amount sanctioned to the employee is less than the bill submitted,
HRM Section shall debit the employees account to that extent and remit the total
amount to the hospital
While requesting for availing the cashless facility for Hospitalisation, the employee
shall give a letter of undertaking that, he shall immediately make available the funds
for the excess amount payable by him over and above his eligibility as per the
Bipartite Settlement / Joint Note in his operative account and authorize the Bank to
debit his account to that extent and remit the amount to the Hospital as per the bills
submitted by the Hospital and it is the responsibility of employee to provide funds in
the a/c.
The HRM Sections at Circle Offices will be the nodal section for this purpose and shall
monitor the empanelment/depanelment of the hospitals and effective functioning of the
Scheme
As per the MOU the details and cost of the packages etc., shall be provided by the
Hospitals which will be circulated by way of Sectional Circular by HRM Section of the
concerned Circle Office for the benefit of our employees
It shall be the responsibility of the employee to ensure/satisfy himself about the
service provided by the hospital/ its quality and cost involved etc., well before
admission to the hospital.
Bank shall not be involved in any dispute whatsoever which may arise between the
employee and Hospital for deficiency in service or fee charged etc
This is a benevolent Scheme for all the employees.
Web Classes to Candidates of JAIIB & CAIIB (BI 20/2011) Institute has recently entered
into an arrangement with Cisco Systems (I) Pvt Ltd for arranging Web enabled classess
through their product called WEBEX. Under this facility, the Institute will video record
sessions given by experts from the field, who have been working as resource persons, and
give access to sessions to all the candidates who register themselves for the above two
examinations. It is proposed to offer about 40 hours of video lectures for each subject
Further, the institute will also structure live web classes.
The candidates can access these lessons at their convenience and from their place of
choice. This is similar to having a
private tutor by each candidate provided the candidate has access to computer with net
facility. It is proposed to make this facility available to those candidates who will be appearing
for the examinations to be held in May / June of this year onwards.
STAFF ACCOUNTABILITY IN CREDIT PROPOSALS(Cir 72/2012, 267/2013)
Following four circumstances may emerge in any credit proposal:
a. Deficiencies have been pointed out and the proposal has been recommended by the
recommending authority with justifications.
b. Deficiencies have been pointed out and the proposal has been recommended by the
recommending authority without justifications.
Canara Bank
c. Deficiencies have been pointed out and the proposal has NOT been recommended by
the recommending authority.
d. Deficiencies have NOT been pointed out and the proposal has been recommended by
the recommending authority.
In the circumstances described in (a) & (c), generally no accountability shall fall on the
concerned officials who had appraised processed/prepared/recommended the proposal.
However in the circumstances described in (b) & (d) above, accountability shall also be
fixed on the concerned officials who had appraised/processed/ prepared/recommended
the proposal.
Generally the accountability shall not be fixed in respect of decision taken by the Credit
Approval Committee or any other committee duly constituted by the Competent Authority,
except under the following cases like:
o frauds committed with the involvement/ connivance of the members of committee;
o decision influenced by personal/ vested interest;
o decision based on extraneous factors not relevant to the business interest of the bank;
o decision tainted with ulterior motive;
o decision which are not bonafide; and
o decision taken under influence/ pressure from outsiders, though such decision is not in
the interest of the bank and in violation/ deviation of the critical mandatory norms which
seriously affects the bank's interest.
In the cases like above the members of such committee shall be accountable collectively
as well as individually.
REIMBURSEMENT OF CONVEYANCE EXPENDITURE IN LIEU OF PROVISION
OF BANK'S CAR - CAR SCHEME FOR BRANCHES(Cir 271/2012)
1.a)
Designated Senior Managers of all ELBs are eligible.
b) Designated Senior Managers of VLBs/FDs, Managers/Senior Managers In- Charge of
Branches and Foreign Departments satisfying the eligibility norms
2. Persons officiating in the above posts, functional Managers in VLBs/ELBs/FDs, II line
Managers at branches and Managers/Senior Managers already provided with Banks car are
not eligible under the scheme.
3. Reimbursement of Conveyance expenditure shall be on monthly basis up to the
maximum distance specified, as detailed in the ANNEXURE, on submission of declaration
through HRMS package.
4.
Reimbursement will be calculated at the rate of Rs. 7.00 per K.m
In view of the introduction of reimbursement facility, no new car will be purchased by the
Bank for providing to the branches. The existing cars will be utilized in the following
manner.
a. Branches provided with Bank's car and which continue to be eligible under the scheme,
shall retain the car till their redeployment/disposal.
b. In case of branches losing eligibility, cars provided to them shall be redeployed to the
newly eligible branches provided such cars are not deployed otherwise/disposed as per
norms.
6. Eligibility as per the norms will be first worked out by respective Circle office basing on the
Business & Growth rate figures of branches as on last Friday of March and a note be placed
before GM/DGM, G A Wing, HO recommending retention/redeployment of cars/sanction of
reimbursement of conveyance.
Canara Bank
7. Every year Circle office shall review the car eligibility position of the branches basing on
the figures as on last Friday of the preceding financial year and send the recommendations
to GM/DGM, G A Wing, Head Office.
Scheme for Reimbursement of Conveyance Expenses incurred by award staff in
discharge of their official duties(Cir 386/2013)
All the confirmed clerical and subordinate staff (Sub Staff & House Keeper Cum Peons)
owning a vehicle can claim the reimbursement under Petrol Limit on submission of bills
up to the following limit(in addition to the Transport Allowances as per provisions of
Bipartite Settlement):
Monthly Petrol Limit (Owning Consolidated
Category
Vehicle)
Amount per
month
in
Rs.(Not
vehicle)
Special Assistants
13
500
SWO( A&B)
10
400
Sub Staff & HKPs
300
owning
Conveyance allowance to deaf and dumb employees (349/2014 )

vehicle can claim The bline and orthopedically handicapped employees are being paid
Conveyance Allowance at 5 % of the Basic Pay ,subject to maximum of Rs 400/-. This benefit is
extended to those employees who have been recruited under Deaf and Dumb category.
Question bank on HRD / STAFF MATTERS

1)
Quality Circle means

a)
Circle level committee to ensure good customer service
b)
Voluntary forum in branches/offices to use the potential &
creativity of employees c) A committee set up to find the quality in the product of
any organization ; d) A system practiced in the bank to recruit good
quality staff e) None of the above
2)
ESS means : a)
Employee Suggestion Scheme b) Employee Safety systems
, c) Emergency Safety Standards in the Bank d) Educational Loan Scheme for Staff e)
None
3)
Mile stone award incentive to employees is
a) Rs. 2000 b)
Rs. 5000 c) Rs.1500 d) Rs.1000 e) Rs.10000
4)
If a staff is not wearing identity card while on duty it is considered as
a) Minor misconduct, b)
Major misconduct c) No offence d)Disobedience , e) Criminal
offence
5)
Employee cheque can be discounted at a branch other than the salary
paying branch - a) Upto Rs.50000 b) Upto Rs.25000, c)
Upto Rs.1 month gross
salary
d)
Upto 1 month net salary e) No ceiling
6)
Performance Appraisal Report for workmen to be sent a) Yearly, every
December
b)
Quarterly March, June, September, December c)
Yearly, every
March d)
Monthly e) Half yearly June and December
Canara Bank
7) Staff meeting is to be conducted in branches/offices a) monthly, b) Quarterly

c) Fortnightly, d) Any time when the staff are free e) Half yearly
8) For LFC and medical facilities, the term wholly dependent means, income of
dependant not exceeding Rs. per month: a) Rs.1500/b) Rs.2500/- c) Rs.3500/d) Rs.5000/- e) No ceiling
9) To become eligible for Clean Loan Facility, employee should have completed Years
of service in the Bank: a) 5 years. b) 3 years c) 2 years, d) 1 year, e) No such condition
10) Maximum amount of Group Personal Accident Insurance Coverage for Clerk/
Special
Assistant in Rest of India (Other than Jammu & Kashmir) for the current year I e 201516
a) Rs.1, 00,000/-, b) Rs.1, 50,000/-, c) Rs.2, 50,000/-, d) Rs.5, 00,000/-, e) No such
facility
11) Margin on Our Employees Housing Loan (Staff Housing Loan) is:
a) 5% b) 10%
c) 15%
d) 20%
e) 25%
12) What is the maximum quantum of Housing Loan to Clerical Staff Under Employee
Housing Loan Scheme: a) Rs.20 lakhs b) Rs.30 lakhs c) Rs.50 lakhs, d) Rs.5 lakhs e)
Rs.60 lakhs
13) As per revised limits for Local purchase of Stationery items by branches, branches can
purchase any general item for branch use with per item cost not more than Rs.
a) Rs.50/- b) Rs.100/- c) Rs.150/- d) Rs.200/- e) Rs.500/14) Staff Meeting Expenses per person is - a) Rs.5/- b) Rs.6/- c) Rs.10/- d) Rs.4 /- e)
None
15) No service charges are to be levied to staff in respect of
a)
AWB/CBS servcies for intracity transaction, b) RTGS/NEFT transaction, c) Internet
Banking
d) a & b above e) all a, b and c above
16) Substaffs are eligible to take up following Delphi Course for a)Foundation
Course
b)Development Course , c) Specialised course, d) a & b above, e) all a, b and c above
17) Cash Incentive for completing foundation course is - a) Rs.1000/- b) Rs.2000/c) Rs.3000/- d) Rs.5000/- e) No ceiling
HRD / STAFF MATTERS (ANSWERS)
1
2
3
4
5
6
7
8
9
10
b
a
b
a
c
a
a
c
b
b
11
12
13
14
15
16
17
b
b
d
c
e
a
a
GENERAL BANKING
Demand Drafts
Canara Bank
With the introduction of CTS 2010 STANDARD Single Colour DD (in place of 4
Colour DD), restriction of issue of DD for Rs.10 Lac by Rural/Semi Urban
branches stands removed.(Memo 75/2013)
Special assistants are authorised to sign DD upto `50,000/ DD for `1 Lac above should be signed jointly by two officers who are authorised
signatories
BS& CA Section, HO can permit issue of DD for `1 crore and above favouring
Commercial Bank, Financial Institutions, Central and State Government
Departments.
Cancelled DD are to be kept in file for verification by inspecting officer may be
effectively destroyed
DD for `1,000/- and above paid in cash and DD for `5,000.- received in
clearing/transfer should be screened in ultra violet lamp
Verification of DD by two officers for DDs of `1 lakh and above
Duplicate DD is issued within a fortnight from the receipt of such request
After 15 days interest payable to purchaser of DD at the rate applicable for the
Fixed deposit
Branches may obtain simple undertaking letter and issue Duplicate DD upto
`500/- in case of non account holders and upto `5,000/- in case of account
holders
DD is valid for 3 months (w.e.f. 01.04.2012) and can be revalidated within six
month from the date of issue.
Revalidation permitted only once and for 3 months.
DDs which have completed 6 months from the date of issue are not eligible for
validation.
Teller is permitted to issue DD against cash and transfer upto and inclusive of
`15000/ Account Payee Cheques: Banks may consider collecting Account Payee cheques
drawn for an amount not exceeding `50,000/- to the account of their Customers who are
Co-operative Credit Societies, if the payee/s of such cheques are the constituents of such
Credit Co-operative Societies. This relaxation will continue as hitherto, subject to the
conditions outlined in our Circular No. 373/2010 dated 03.11.2010. (Cir 337/2011)
~ Demand Drafts of `20,000/- and above should be issued with account payee crossing
only.
DD cancellation/Revalidation/duplicate issue charges: `100/- ,. If value of DD is less
`500/-, `20/- per instrument.
A flat charge of `20/-per D.D if the DD is taken for educational/examination purpose
subject to the DD amount
being maximum of `5000/-Irrespective of cash DD.
Above
`5000/-DD normal applicable DD charges apply.
All branches are required to pay DDs at their end itself (CBS Option 8310) and need not
send the instruments to Accounts Section/Drawee branches.(Cir 317/2011)
DD Drawn advice dispensed with.
Branch Manager can permit waiver of DD issuance charges for Current Account holders
maintaining monthly average balance of `1 Lakh and above in multiple of `1 lakh. Waiver
will be equivalent to average monthly balance in the preceding month.(Cir/381/2014)
DD drawing arrangement permitted to our RRBs on our branches/Offices (Cir
215/2010, 141/2013, 165/2014)
Canara Bank
Our bank has permitted our RRBs to draw DDs on all the branches of Canara Bank in the
respective state of RRB functioning ie., Karnataka & Kerala.
A ceiling of `10.00 lakhs per DD, per Party, Per day is fixed to RRB branches for issue
of DDs on Canara Bank Branches/Offices.
The RRB branch to inform the drawee Branch of Sponsor Bank the full details of DDs
issued.
Raising of BAR on payment of RRB DDs on Nodal Branches is dispensed with as CBS
system will debit the DD amount online to the current account of RRB at Nodal branch
and ensure instantaneous reconciliation.
Pay Order ; Issue of PAY ORDERS is dispensed with, Bank can issue DD drawn on self,
payable at any other branch. Section 31 of RBI Act prohibits issue of Bankers Draft/pay
order payable to bearer on demand. PAY ORDERS ARE NOT COVERED BY SECTION 85 A
AND 131 A OF NI ACT. PAYORDER Branch Advice(Cir 193/2011, 559/2013): Branch
advices should not be issued for T20/- and less if the amount is meant to the credit of the
customer/employee. Printing of Branch Advice discontinued in CBS.
Bankers Account (HO Cir/648/2013)
Board of Directors have permitted DGM of the circles to permit branches to open Bankers
a/c
Branches can open other banks account after getting permission from MIPD, CO
Operations in Bankers a/c - Z50,000/- and below by one Power of Attorney holder and
above 250000/- jointly by two power of attorney holders
In case of single operations, branches to send copy of the pass sheet along with PRR 14.
Bankers balance shall be maintained at minimum level stipulated by respective banks
with tolerance level of 10% on the upper side in respect of banker's account maintained
for clearing purposes alone.
DGM/GM of the circle can permit/ratify transgressions in balance.
Excessive holdings would attract recovery of cost of funds from staff.
Absorption of usual service charges as per standard tariff plan of respective banks can
be permitted by branch-incharges.
Absorption of interest/penalties can be permitted by AGM (CO) & above.
CHEQUES WITH CTS SPECIFICATIONS (272/2011)
The salient features of cheque books as per CTS standard are hereunder.
i) Watermark in Cheque Paper : Presently all the cheque leaves used in our Bank are
having water mark with our Banks name in Hindi & English which can be seen either
in full or in part when held against any light source. Now in CTS, in addition to our
bank watermark, a standardized watermark, with the words CTS-INDIA will appear
in all the cheque leaves. This watermark will be in oval shape with diameter 2.6 to 3.0
cms. As such both the water marks ie., our Bank water mark and CTS water mark will
be available in all CTS cheque leaves which can be seen when held against any light
source.
ii. VOID pantograph: Pantograph with hidden/embedded VOID" feature shall
be included in all cheques. The feature will not be visible in scanned image at the
resolution specified in CTS but will be clearly visible in photocopies and scanned
colour images. This would act as a deterrent against colour photocopy or
scanned colour images of a cheque.
iii. Banks logo printed with invisible ink (ultra violet ink): Banks logo will be
printed in ultra violet (UV) ink on the top of the cheque, after the branch name. The logo
Canara Bank
will be captured by / visible in UV enabled scanners / lamps. It will establish the

genuineness of a cheque.
iv.
Field placements of a cheque: Placement of significant fields on the cheque
forms are now mandated. Sample cheque leaves are enclosed herewith to enable the
branches to understand clearly the placements of each field like date, amount, branch
name, IFSC code etc.
v.
Micro-lettering : Micro-printing is a line of text that is so small that it appears as a
solid line. All the three solid lines appear in our CTS cheques are micro printed (in tiny
fonts) with our banks name in continuation ie., CANARABANKCANARABANK. This is not
easily visible/
recognizable without the use of a magnifying glass. In addition to this, back ground
printing of our Banks name is available in each cheque as is being done hitherto.
CTS-2010 STANDARDS(Cir 323/2012, 502/2013)
Issue of only 'CTS-2010' Standard Cheques to account holders with immediate effect.
Replacement of post dated non CTS-2010 standard cheques issued by borrowers with
CTS-2010 Standard Cheques for the purpose of repayment of loans.
Destruction of unused stock of non CTS-2010 standard cheques to be completed
positively before 31.12.2012.
No charges for CTS 2010 standard cheques to SB account holders for the first time as
per RBI directives dated 18.03.2013
For residual Non-CTS-2010 instruments, separate clearing session will be introduced
in the three CTS centers (Mumbai, Chennai and New Delhi) including PDCs and EMI
cheques.
Clearing arrangement for Non-CTS-2010 will be done away with in a phased manner.
Cash (Manual Updated Till 31.12.2010, 237/2011)

Currency of below Rs. 50/- and coins to be kept in Single Lock
Single lock key to be kept by the staff handling cash
Cash received on account of recovery/deposits on NPBW days may be accepted and
treated as late cash.
It is the responsibility of the concerned supervisor to verify the cash cheques inclusive of
cash DDs of `1000/- and above under ultra violet lamp
Managers are empowered to permit payment of Self cheques to the drawer only even
after business hours but within working hours upto a maximum of `10000/- per party
`1000/- denomination notes should be counted by an officer
Where the shortage is `10000/- and above, investigation has to be conducted by an
officer appointed by the concerned DGM/GM and appropriate action to be taken.
Where the shortage is `2500/- and above
but less than
`10000/-, discretion to DGM for conducting investigation
Cash shortage is more than `25000/- and is permitted to be recovered in installments, the
employee may not be allowed to work in cash department for a year or so long as the
amount of shortage is not fully paid whichever is later
All cases of cash shortages involving more than `5000/- detected by Managers and
Canara Bank
Inspectors(which was not informed by cashier), shortage of `10,000/- though informed by

cashier have to be reported as cases of frauds to R & R section, Vigilance Wing, HO
with a copy to R&L Section of Circle Office
Excess cash claim by remitter can be paid by Manager upto `500/-. Above that, the
claim should be passed by referring to HRM, CO.
For claim above `5000/- stamped indemnity ( for non customers)
At the end of the financial year, excess cash to be transferred to commission account
Remittance by insured post - maximum `10000/-
Transmission of cash
Sub-staff upto `5000/
Upto `25000/- by a person not below the rank of clerk.
Above `25000/- by a person not below the rank of clerk and at least one more employee
to accompany him. For remittance upto `20 lakhs no armed guard.
Above `20 lakhs upto `50 lakhs should be accompanied by one armed guard
Above `50 lakhs , atleast two armed guards
Reporting of inward cash remittance weekly by way of enclosure to RBI
Small branch - `1 lakh and above
Medium branch - `5 lakh and above
Large branch `10 lakh and labove
VLB and ELB are exempted from this instructions
Insurance Cover for Money and Securities held at branches/offices `30 crores for the year
2014-15
Insurance Cover for Money and securities in transit Rs.5 crores

Insurance cover for ATM cash: Rs.20 lakhs
Insurance cover for unauthorized withdrawal from ATM : Rs.50,000/Insurance for loss or damage to ATM : Rs.25 lakhs
Mutilated note cut into 2 or more pieces
Standard Cash limit is fixed by CO
Detection, Impounding, reporting of fake Notes and filing of FIRs (HO Cir 396/2014)
Each banknote, which, on examination of various security features /parameters, is
determined as a counterfeit one, shall be branded with a stamp COUNTERFEIT BANK
NOTE. For this purpose, a stamp with a uniform size of 5 cm x 5 cm may be used.
These Counterfeit Notes at branches (returned by police after investigation) should be
subjected to verification on a half yearly basis (on 31st March and 30th September) by
the Officer-in- Charge of the branch concerned. These Counterfeit Notes should be
preserved for a period of three years from the date of receipt from the police
authorities.
Counterfeit Currency Reports(396/2014):Branches and Currency Chests are required to
submit Counterfeit Currency Reports
(CCRs) within 7 days from the date of detection of counterfeit currency note/s.
Counterfeit currency detected in the soiled notes is also to be reported in the CCR.
Filing of FIR on detection of Forged / Counterfeit Notes above 4 pieces in a single
transactions is mandatory.
Withdrawal of Bank Notes issued prior to 2005(Cir 18/2014, 126/2014, 06/2015)
Canara Bank
Withdrawal of bank notes issued prior to 2005 from circulation w.e.f 30-06-2015.
From 1st July 2015, exchange facility is to be provided to public for exchange of Bank
Notes until further communication from Reserve Bank of India.
Bank notes issued prior to 2005 do not have on them year of printing on the reverse side.
Branches are instructed not to re-issue such notes across the counter with immediate
effect.
Br anches to sor t such notes and r em itt ed t o Cur rency Chests.
Currency Chests to withdraw all notes issued prior to 2005 for onward transmission to
Reserve Bank of India.
Bank notes printed prior to 2005 continues to be legal tender.
Liberalized definition of Cut Notes & Soiled Notes (Cir.298/2010, 237/2011)
II. Single numbered notes `1/-, `2/- & `5/-: Note presented
should not be in more than two pieces. No essential feature of the note should be
missing and complete number should be available in an undivided area on one of the
pieces. Both the pieces should be of the same note.
II. Double numbered notes`10/-,`20/-,`50/-,`100/-,`500/-& `1000/-: The note presented
should not be in more than two pieces. No essential feature of the note should be
missing. Both the pieces should be of the same note. The above types of notes will be
treated as soiled notes and be kept along with soiled notes.
Mutilated Notes Presentation and Passing:
(Cir.298/2010,
237/2011): A mutilated note is a note of which a portion is missing or which is composed
of more than two pieces. Mutilated notes may be presented either at designated bank
branches of commercial banks. Mutilated notes so presented may be passed as per the
Rules framed under Reserve Bank of India (Note Refund) Rules2009.
Notes which have turned extremely brittle or badly burnt, charred or inseparably stuck
up together and, therefore, cannot withstand normal handling, shall not be accepted by
the branches for exchange. Instead, the holders may be advised to tender these notes to
the concerned Issue Office where they will be adjudicated under a Special Procedure.
Notes bearing PAY/PAID REJECT stamps should be rejected under Rule 6(2) of
Reserve Bank of India (Note Refund) Rules, 2009 and the tenderer should be advised that
the value of such (defective) note/s cannot be paid since the same has already been paid.
Notes bearing slogans / political messages: it ceases to be a legal tender and the
claim on such a note will be rejected. Deliberately Cut note: should be rejected under
Rule 6(3)ii of Reserve Bank of India (Note Refund) Rules, 2009.
Star Series Banknote:
RBI has adopted the STAR series numbering system for replacement of defectively
printed banknotes, at the printing presses. To begin with, this will be for banknotes of `10,
`20
and `50, `100 denomination. The Star series banknotes
are
exactly like the existing Mahatma Gandhi
Series banknotes,
but have an additional character viz., a *(star) in the number panel in the space
between the prefix and the number. The packets containing these banknotes will not,
therefore, have sequential serial numbers, but contain 100 banknotes, as usual. To
facilitate easy identification, the bands on such packets clearly indicate the presence of
these banknotes in the packet.
Commission In Respect Of Government Business (Cir 212/2012)
For Physical Receipts
`50
per challan / transaction
Canara Bank
For e mode Receipts

`12 per challan / transaction
For Pension payments
`65 per transaction
5.5 paise per `100/- turnover
For other payments
Payment of compensation payable to Pensioners in case of all delayed payments
(Cir 240/2010 & 266/2010) :
Compensation at bank rate + 2% (10.75% at present) is to be paid by debiting
Interest Paid Account Others
Compensation to the pensioners in whose cases revision of pension and disbursement
of arrears as per 6th Central Pay Commission has been made with delay
Doorstep Banking Scheme(Cir 567/2013, 70/2014, 516/2014, 692/2014)
Tag Line: "Why go to the Bank? Let the Bank come to you."
Cash pick up / delivery Minimum amount Rs. 1 lac & Maximum: Rs. 100 lacs per
day available on all working days except saturdays
For all KYC complied Customers.
Maintenance of average balance of Rs. 2 lacs. Services available within city /
Municipal limit upto 15 km
Service extended through Service Provider.
PAN India coverage
Pensioners of age 75 years and above are also eligible under PART A of the scheme.
For availing the facility under PART B of the scheme, there is no age limit for
pensioners.
PART A- Delivery of cash with a minimum of Rs.5000.00 and maximum of
Rs.50000.00 subject to ceiling of monthly pension.
PART B- Hospitalisation expenses for pensioner or spouse can be paid in cash upto
Rs.50000.00 to the reputed hospital
Customer Service Related (From RBI Master Circular)

Customer Service Committee of the board will include: Experts and representatives of
customers as invitees to enable the bank to formulate suitable policies.
Standing Committee on Customer Services is recommended by CPPAPS (Committee on
Procedures and Performance Audit of Public Services). The standing committee may be
chaired by CMD or ED and including non officials as its members.
Branch level customer service committee: should include customers especially Senior
Citizens. They should meet once in a month. Branch level committees should submit
quarterly reports to Standing Committee on Customer Service.
As per RBI guidelines, banks are required to put the following policies in place for customer
service
o Comprehensive Deposit Policy
o Cheque Collection Policy
o Customer Compensation Policy
o Grievances Redressal Policy
Banks Local Authorities and Government Departments are exempted from PHOTO.
Public Sector Undertakings and Quasi Govt. Bodies, Purdanishin must give photographs.
Two photographs are required as per RBI guidelines.
Photograph of all the depositors is required for all types of deposits : Fixed, Cumulative,
Recurring etc.
Photograph of guardian should be taken in Minor Accounts.
Canara Bank
If minimum balance is changed by the Bank, it should be informed to Customer ONE

MONTH in advance.
Customer is eligible for one pass sheet per month for free of cost(Even if pass book is given)
Govt. of
India has accepted SAKA SAMVAT as National
Calender with effect from 22-03-1957. An instrument written in Hindi having date as per
Saka Samvat calendar is a valid instrument.
Payment of Interest on Fixed Deposits: If deposit is less than 3 months, interest should be paid
for the actual number of days, reckoning the year as 365 days.
Bank has no discretion to refuse pre mature withdrawal of term deposits for individuals and
HUF.
Whenever addition or deletion of names are taking place in joint account, the amount or
duration of original deposit should not undergo any change.
Opening of Current Accounts: Where the account holder is enjoying credit facilities with
other banks is not permitted by RBI. NOC is required from the other bank. If NOC is not
given, bank can send a letter to other bank and wait for 15 days. If no response is there, we
can open.
Reconciliation of Transactions at ATM failure: 7 days from
the date of receipt of customer complaint.
Compensation:
2100/- per day. Compensation should be paid without customers claim.
Commencement of employees working hours: 15 minutes before commencement of
business hours.(Goiporia Committee)
Banks should extend business hours for banking transactions other than cash, till 1 hour
before closure of working hours. (eg. Issue of pass book, issue of cheque book etc.)
May I help you counter is exempted for very small branches.
Comprehensive Notice Board should have minimum 2 feet by 2 feet and it should give a
comfortable viewing from the distance of 3 to 5 meters.
Whenever bank prepares booklets or brochures, the minimum font size should be Arial 10.
Banks should make atleast 1/3rd of new ATM s installed as TALKING ATMs with Braille Key
Pads.
Banks can rely upon Guardianship Certificate issued either by District Court under Mental
health Act or Local Level Committees under National Trust for the Welfare of Persons with
Autism, Cerebral Palsy, Mental Retardation Act 1999.
For encashment
of Drafts:
Passport
and postal
identification could be considered as adequate
identification.
Banks can permit encashment of drafts upto
225000/- on the basis of above 2 documents.
Duplicate Draft in lieu of lost draft upto and including
25000/- may be issued without seeking non payment advice. (with adequate indemnity)
Banks should issue duplicate drafts within a fortnight from the receipt of request.
Time frame for collection of cheques drawn on State Capitals/Major Cities / Other locations
to be 7/10/14 days respectively.
If instruments are lost in Transit /Clearing by the Paying
Banker:
The onus of such loss lies with the collecting
banker and not the ACCOUNT HOLDER. The collecting bank should reimburse related
expenses plus interest for reasonable delays and can claim it from the paying banker.
Payment for interest for delays in Bills: SB rate + 2%. Normal Transit period : 2 days each
for dispatch of bills, presentation of bills of drawees, remittance of proceeds to the lodgers
Canara Bank
bank, crediting the proceeds to the drawers account.

Returning dishonoured cheques:
Goiporia Committee.
With in 24 hours as per
Z1 crore and above cheques issued by the party returned for more than 4 times: Bank can
refuse fresh cheque book + bank can consider closing Current Account.
Banks should disclose the following details in financial results as notes: 1.Customer
Complaints, 2.Awards Passed by Banking Ombudsman.
Where Lockers have remained un operated for more than 3 years for medium risk
customers and 1 year for high risk customer, banks should contact the customer and
advise him to operate or surrender the locker, even if rent is paid regularly. Banks
should incorporate a clause in the locker agreement that in case locker remain unoperated for more
than ONE YEAR,
the bank would have right to cancel the
allotment and open the locker, even if rent is paid regularly.
Time Limit for settlement of Death Claim: Not more than 15 days.
Banks are not required to open sealed/closed packets left with them for safe custody or
found in locker while releasing them to nominee/survivors.
Safe Deposit Lockers(Cir no.253/07)
Relationship - Lessor (bank) and Lessee (customer)

On the recommendations of Committee on Procedures and Performance
Audit on Public Services (CPPAPS), RBI has issued fresh guidelines
In case of new parties, 3 years rent + charges for break open of locker in
case of eventuality : to be collected in advance is kept in FDR
If no operations of lockers continuously for 3 years or more in case of
Medium Risk category and One year in case of High Risk Category
customers - Branches should send notice and break open the locker.
No nomination facility for Safe Custody Articles held by more than one person
In case of Locker hired by Jointly with Joint Operations and nomination, if
any hirer dies, access will be given Jointly to survivor and nominee.
Loss of locker key : Charges: Z200/- (in addition to actual break open charges)
Locker Operations : 12 operations free p.a.,
Z100/- per operation beyond 12 plus applicable Sertax.
Charges for delayed remittance of rentals is as per period of delay as per
following chart
Upto and incl of 1 Qtr 10% of applicable annual rental
1 Yr and above- 100% of applicable annual rental
This is governed by Transfer of Property Act.
Straight Through Processing (STP) system between SAFE and CBS-FCR for
collection of locker rent is in place. (HO Cir 210/2014, 114/2015)
Biometric authentication for Locker access in SAFE module is enabled (HO

Cir 325/2014 )
Service Tax (Cir 361/2015, 540/2015).
Canara Bank
This is extended to whole of India except J & K State.)

Present rate: 14.50% w.e.f.15.11.2015 . This include Swachh bharat
cess which is 0.50 % . Swachh Bharat cess would be applicable on all
taxable commission.
Earlier there was no limitation period for availing CENVAT credit on
Service Tax paid. Now wef 01.09.2014 a manufacturer or a service
provider shall take credit on inputs and input services within a period
of six months from the date of invoice, bill or challan.
Payment of Service tax by HO is monthly based on montly statement
submitted by branches.
With effect from 01/07/2011, Service Tax liability is to be discharged on
accrual basis(Finance Act 2011)
Service tax on Rent exemption ` 10 Lakhs (cir 367/2011)
Small service provider upto ` 10 lakhs exempted .
Service Tax is to be paid on quarterly basis by Individuals, Proprietors and
Partnerships. Others, it is monthly.
It is to be deposited by 5 th of next month (6 th in case of electronic payments)
CBDT has made it mandatory for payment of tax/duty electronically
through internet banking for Central Excise and Service Tax Assesses
who had paid Rs.1 Lac or above duty payments in the preceding
financial year wef 01.01.2014.
Delay in deposit of service tax - Int 18% pa + penalty @ `200 per day
or 2% per month of tax liability whichever is higher. Maximum up to
amount of Service tax
Return Half Yearly in form ST3 to be sent by 25 th of next month after
HY closure.
Dealy in filing service tax return late fee up to `2000/ Service Tax under reverse charge method- Usually, for the service
availed, Branches/Offices pays Service Tax to the Service Provider
against his Bill/Invoice. But in case of some services, our
Branches/Offices as Service Receivers should pay applicable Service
Tax directly to the Government without any demand, instead of paying
Service Tax to the Service Providers. This mechanism is known as
levying Service Tax under reverse charge method. Services of
Advocates and Security Services availed from Government by
Currency Chests/others brought under reverse charge.
Further in some of the services stipulated by the Government under
Reverse Charge method, a part of the Service Ta x needs to be paid
to the Service Provider against his demand and a part of Service Tax
directly to the government without any demand. This mechanism is
known as Partial reverse charge method. (Non metered cab) (Cir
188/2012)
Service Tax Exemption To Sez Units Or Developers Of Sez-Change W.E.F
01.07.2013. Form A-2 to be obtained instead of Form A-1 w.e.f. 01.07.2013,
for granting upfront exemption from Service Tax to Special Economic Zone
(SEZ) Unit or Developer of SEZ. (Cir 357/2013)
Modified Web based Service Tax Package for punching of Service Tax paid
records
with
additional
marking
of
nontaxable
commission(335/2015)implemented in SAS.
Canara Bank
Swachh Bharat Cess ( SBC) is introduced at the rate of 0.50 % on eligible

fores transaction and money changing service. Rates are
Currency exchange upto Rs 1 Lacs : Service Tax 0.14 % ( Min Rs 35/-)
,SBC 0.005% ( Min Rs 1.25/-)
Levy Of Interest On Clearing-Related Overdraft Extended By Clearing House Managing

Banks For Settling Clearing Obligations Of Member Banks.(Cir.183/2010)
For intra-day overdraft (the day when the overdraft is extended, irrespective of the time
period for which the overdraft facility is enjoyed), interest shall be charged at relevant RBI
LAF Repo Rate + 100 basis points.
If the overdraft extends to the following day (overnight and beyond), interest shall be
charged at relevant RBI LAF Repo Rate + 300 basis points
Compensation Policy(Cir. 253/2009)
OSC normal period:
Metros 7 days, Metros to State
Capitals (other than NE states) 10 days and other centers 14 days.
Delay upto 14 days, SB rate of interest, beyond 14 days term deposit rate and For
extraordinary delays (beyond 90 days) 2% over TD rate of interest
Time frame for collection of cheque/instruments sent abroad is as under:
Personal cheques/drafts payable in the country of currency 21 days
Personal cheques/drafts payable in the country other than in the currency of the country
45 days
Instruments payable in India 15 days Cheque Drop Box Facility(cir
416/09,72/2011) :
The Box shall be firmly fixed in the wall
The key be held by a PA holder authorized by branch-incharge
The duplicate key is to be kept in the double lock
PA holder authorized to operate the Box, shall open on all working days, at regular intervals
depending upon the number of instruments, clearing arrangement, etc.
Branch to display on the Cheque Drop Box, the cut-off time for clearance of cheques for the
information
Inclusion of Experts For Rendering Evidence On Suspected Fake Currency Notes(Cir
411/09) :
Officers of all the Note Printing Press

Officers of Security Printing Press
Officers of Forensic Science Laboratories
Government / State examiners of Questioned documents
100 NOTES TO COME WITH NUMERALS IN ASCENDING SIZE IN NUMBER

PANELS
Canara Bank
The Reserve Bank of India has issued 100 denomination banknotes in Mahatma Gandhi
Series 2005 with a new numbering pattern. Now the numerals in both the number panels of
these banknotes will be in ascending size from left to right, while the first three alphanumeric
characters (prefix) will remain constant in size. Printing the numerals in ascending size is a
visible security feature in the banknotes so that the general public can easily distinguish a
counterfeit note from a genuine one. The design of banknotes with numerals in ascending size
is similar in all other respects to the current design of T100 banknotes in Mahatma Gandhi
Series 2005 except for the new numbering pattern. The banknotes will continue to have "T"
symbol on the obverse and the reverse, an inset letter 'R' in both the numbering panels, bear
the signature of Dr. Raghuram G. Rajan, Governor, Reserve Bank of India, and the year of
printing '2015' printed on the reverse of the banknotes. The new numbering pattern will be
introduced in a phased manner in all other denominations.
NEW NUMBERING PATTERN
Annual Information Report (AIR)
Cash remittances into any SB a/c exceeding `10 lacs in a year

Credit Card bills payment of `2 lakhs or more in a year
Receipt towards Bonds/Denentures issued by bank: `5 lacs or more
Receipts of `1 lakh or more for shares issued by the Bank
Receipt towards investment in RBIs savings bonds : `5 lacs or more
Statement for Bank as a whole to be submitted in form 61A duly signed by CMD.
Non filing/delay in filing statement attracts penalty:
`100/- per day delay
Levy Of Service Charges For Outstation Cheque Collection(Cir 289/2008, 93/2011,
193/2013)
Service
Charges
Service
per
instrument
Charges
per
for
Other
types
instrument
for
SB of
accounts
Value (Rs )
accounts
(other
than
SB
accounts)
(Rs
)
(Rs )
Up to
and
including
25/50/5000/Above 5000/and up
to
50/50/
and including 10000/
Above 10000/and up to
100/100/and including 100000/
Above 100000/-
150/-
150/-
Canara Bank
Charges
Deposit
Charges
Sevice
Transactions Under CBS Environment

Drawee Centres
(Cir 483/2013):
For Intercity
Of Cheques At
NIL
charges for speed clearing- Nil Charges ( 483/2013 )
Hitherto, Cheque deposit at drawee centre (i.e Customer having an account in Chennai and
deposits a cheque of Bangalore in Bangalore branch ) was treated as Outstation cheque
collection and OSC charges were collected. The said transaction is treated now as local clearing
and OSC charges are waived for such transaction with immediate effect.
Service (Processing) charges for Local clearing:
(by
clearing Houses from Member Banks). The revised charges as advised by RBI are as under:
Clearing
at
CPCs
Cheque Truncation
Presenting Bank
MICR- 1.00
0.50
Drawee Bank
1.50
1.00
Collection of Transaction Fee from the Investors of Mutual Fund (Equity) Schemes with
effect from 01.10.2009 (Cir 347/09)
The Transaction Fee is to be collected as a percentage of Investment made by the
Investor under Mutual Fund equity schemes(Other than SIP/STP)
range (`) & total transaction fee to be
Investment
collected:
2
% + ST
Upto ` 1 Lac
`1 lac `
5 lacs
1.5
% + ST
`5 lac `
10 lacs
% + ST
0.5 % + ST
Above ` 10
lacs
Transaction Fee for Systematic Investment Plans /
Systematic Transfer Plans: One-time flat fee of ` 100 + applicable Service Tax.
The transaction fee is waived from 01.04.2011 to 31.03.2012.
Cir.31/2010
Since Canara Robeco Monthly Income Plan is treated as Debt Fund, the transaction fee
need not be collected from the Investors of the Mutual Fund under this scheme.
However, branches/ Investment Officers are required to collect the Transaction Fee and
applicable service tax in respect of other equity schemes of our Canara Robeco Mutual
Fund.
Service charges for return of instruments (cir 193/2013) Inward Clearing Cheque /Bill:
per instrument
SB: `250/-, `250/- , `250/(Urban, Rural Other than
Individual, Rural)
CA: Upto `1 lakh: `250/-, `250/-, `250/ CA: ` above 1 Lakh: `300/-, `300/-, `300/-. Outward clearing
instruments:
SB: `150/-, `150/-, `150/ CA/OD/OCC: `200/-, `200/- `200/-
Canara Bank
Return Of Outstation Cheques/Bills Received By Branches:

Cheques: Upto `10,000/-25/-, 10,000 to `1 lakh: `50/- Above
`1 lakh: `75/-.
RTGS/ NEFT /ECS Service ChargesRTGS: W.E.F 01.10.2011
BLOCK
09.00 hours
After
hours
After
hours
TRANSACTION TIME
FROM
TO
12.00
15.30
12.00
hours
15.30
hours
16.30
hours
CHARGES
Rs.2-5
Lakh
Rs:
25.00
Rs:
26.00
Rs:
30.00
CHARGES
>Rs.5
Lakh
Rs:
50.00
Rs:
51.00
Rs:
55.00
NEFT: Charges for small value transaction.(Cir 336/2014)

For Fund transfer upto Rs 10000 : Rs Rs 2.50 per transaction
For funds transfer Rs 10001to `1 Lakh : Rs 5.00 per transaction
For Fund transfer above Rs 1to 2 lakh : Rs 15.00 per transaction
For Fund transfer above Rs 2 Lakh : Rs 25.00 per transaction
PERSONALIZED CHEQUE BOOK(Cir NO.95/2013)
New and existing operative SB accounts other than ineligible accounts

Cheque Indent Processing System(CHIPS) should be used by CPC/Branch for processing
personalized cheque book request.
Cheque Book request is enabled through Alternate Banking Channels viz., ATM, Net
Banking and Mobile Banking for facilitating the customer.(Cir 644/2013)
Pre-paid payment instruments(Cir 47/2011)
Pre-paid payment instruments are payment instruments that

facilitate purchase of goods and services against the value stored
on such instruments.
Entities issuing Prepaid Payment Instruments (Other than Banks
and Non- Bank Financial companies) are required to maintain their
outstanding balance in an escrow account with a scheduled
commercial bank.
Branches have to obtain auditors ce rtificate from the entities,
quarterly, certifying that the entity has been maintaining adequate
balances in the account to cover the outstanding volume of payment
instruments issued, within a fortnight from the end of the quarter to
which it pertains .
Branches, where escrow accounts of entities issuing Prepaid
Payment Instruments are maintained /opened, shall record with the
Registrar of Companies under Section 125 of the Companies Act,
1956, the charge of the holders of the prepaid payment instruments
and / or the merchant establishments on the am ount lying in the
Canara Bank
escrow account.
All new agreements entered into by branches (including renewals)
for maintaining/ operating escrow accounts of entities issuing
Prepaid Payment Instruments shall incorporate the exclusive clause,
as prescribed by RBI, on the charge of the holders of the prepaid
payment instruments and / or the merchant establishments on the
amount lying in the escrow account
NO interest is payable by the bank on such balances. As an
exception to the this, the entity can enter into agreement with the
bank where escrow account is maintained, to transfer core
portion, of the amount in the escrow account to separate account
on which interest is payable
This facility is permissible to persons who have been in business for
at least ONE YEAR and whose accounts have been duly audited for
the full accounting year.
NO LOAN is permissible against such deposits. Banks shall not issue
any deposit receipts or mark any lien for the amount held in such
form of deposits.
OUTSOURCING (Cir 142/2011,646/2013)

Financial Inclusion Wing:
Bank has selected two Corporate Business Correspondents (BC)
for providing BC Services through RFP process, viz, M/s. Integra
Micro Systems (P) Ltd and M/s FINO Paytech Ltd.
Entered into agreement with M/s CSC e-Governance Services India
Ltd., for BC solution under Kiosk model.
The transactions will be online
Cash management is the responsibility of Corporate BCs
Retail Banking Wing: Managing Call Centre Activity: Outsourced to M/s Canara
Bank Computer Services Ltd. (CCSL)
Transaction Banking Wing : ATM Managed Services: Outsourced to CCSL.
DIT Wing: CBS Help Desk: Outsourced to CCSL.
Cash Handling oursourced to M/s HP Ltd., overseeing by Treasury
Operation wing.
Disaster Recovery, Business Continuity Plan: Outsourced to M/s G4S
Securities, overseeing by Treasury Operation Wing.
Concurrent audit of branches to Chartered Accountant firms are being handled
by Inspection Wing
Business Continuity Plan Policy: Web based package BCP (403/15)
Various Penalties in Non Compliance(Tax Related Matters)
Payment of FDR `20,000/- and above in cash: Penalty equal to sum of the payment.(271E
of IT Act)(Rs.19999 permitted)
Failure to furnish Annual Information Return:
Penalty of
`100/for each day during which the failure
Canara Bank
continues.(271FA of IT Act)
If a person fails to furnish return of Income: Penalty of `5000/- (271F of IT act)
Non deduction of Tax(TDS) on Deposit Interest : Bank shall be assessee in default. Pay
simple interest for the delayed period at 18% per annum for non deduction/non payment to
Govt.(cir 228/2010)
Failure to pay Tax :Sec 276(B) of IT Act: Imprisonment : 3months to 7 years.
Delay in filing TDS return:
`200/- per day and interest
@1.5% per month or part thereof.
Penalty for furnishing incorrect information in e-TDS return -Rs 10,000(minimum) to
Rs.1,00,000 (maximum)(Cir 177/2012)
Non compliance of Provision of PAN : `10,000/- penalty
Delay in deposit of service tax: Interest @13% pa + penalty of `200/- per day or 2% per
month of tax liability, whichever is higher. Maximum equal to service tax.
Delay in filing service tax return: `2000/- late fee.
New Section 206 AA of IT Act (Cir 417/09):
Mentioning PAN number mandatory. Otherwise, TDS @20% will be deducted.
Effective from 01.04.2010 onwards.
Banks should not accept 15G/15H without PAN number
Obtaining/possessing more than one PAN is against the law and may attract a penalty
upto `10,000
Tax Deduction and Collection Account Number (TAN) (Cir 418/09)
TAN or Tax Deduction and Collection Account Number is a 10 digit alpha numeric number
required to be obtained by all persons who are responsible for deducting or collecting tax
Failure to apply for TAN or not quoting the same in the specified documents attracts a
penalty of `10,000.
Furnishing Of Quarterly Return In Respect Of Payment Of Interest To Residents Without
Deduction Of Tax At Source 26QAA (Cir 312/09)
Threshold limit enhanced to `10,000/- wef 01-06-2007
Due dates : 7th July (June return), Oct (Sept Return), Jan(Dec Return), Jun(for March Return)
For failure to file quarterly return within due date, a penalty of 2100 for every day during
which the failure continues will be levied.
NO DEDUCTION OF TAX AT SOURCE(Cir 17/2013)
WEF-01.01.2013 No deduction of tax(TDS) shall be made on the payments of the nature
specified below, in case such payment is made by a person to a Scheduled bank (excluding
a foreign bank),
a) Bank guarantee commission;
b) Cash management service charges;
c) Depository charges on maintenance of DEMAT accounts;
d) Charges for warehousing services for commodities;
e) Underwriting service charges;
f) Clearing charges (MICR charges);
g) Credit card or debit card commission for transaction between the merchant
establishment and acquirer bank
TDS @ 1% on sale of Immovable Property (Cir 382/2013)
Canara Bank
As per the Finance Bill of 2013, TDS is applicable on sale of immovable property (other
than rural agricultural land) wherein the sale consideration of the immovable property is
Rs 50, 00,000 (Rupees Fifty Lakhs) or more. For all such sale transactions with effect
from June 1, 2013, Tax @ 1% of sale consideration should be deducted by the
purchaser of the property at the time of making payment of sale consideration to the
seller [Sec 194 IA of the Income Tax Act, 1961].
For remitting this TDS amount, the purchaser of the property mandatorily has to
furnish the information regarding the property transaction online on the NSDL-TIN
website (www.tin-nsdl.com).
General Charges(Cir 177/2008, 309/2010, 318/2010, 21/2011)
Revenue Powers Delegated To Various Authorities Other Than Premises, Computers,
Printing & Stationery (Cir.309/2010 wef 28.8.2010)
1.
2.
3.
4.
5.
6.
7.
8.
C&MD- Business Meetings 220,00,000 // - Others 210,00,000

ED Business Meetings 215,00,000 // - Others 25,00,000
GM(HO) Business Meetings 25,00,000 // - Others 22,50,000
GM/ DGM heading Circle 21,50,000
AGM heading Circle 21,00000
DGM ( Administrative Units / Branches) 250,000
AGM ( Branches/ Administrative Units) 225,000
DM / CM 210,000
9.
Sr. Manager/ Manager of P & PR Section & Premises Section, HO/Cos `10000
10. Sr. Manager/ Managers in Admn. Units other than premises Section Cos/HO `2,500
11. Sr. Manager in ELBs / FDs/ VLBs
`1,500
12. Sr. Managers/ Managers heading branches and services units like Accounts Section,
Clearing Section, Currency Chest, RSTCs , F & I Section etc `1000
13. II line Managers in all branches incl. Scale III Mgr and faculties `1,000
14. Scale I Managers heading branches `1,000
Delegated Revenue Powers Regarding Premises Matters (Cir.21/2011 wef 22.01.2011)
1.
C & MD `50,00,000/////
E D `30,00,000/2.
GM/ DGM heading GA Wing `15,00,000
3.
GM heading Circle `15,00,000
4.
DGM heading Circle `7,50,000
5.
DGM CO `7,50,000/- ////
AGM Circle Head `2,00,000/6.
DGM (Branches) AGM CO / AGM GA Wing `50,000
7.
AGM ( Branches) `35,000/////
DM / CM
`20,000/8.
Sr. Manager/ Manager of Premises Section, HO/Cos `10000
9.
Sr. Manager/ Managers in Admn. Units other than premises Section Cos/HO `5000
10. Sr. Manager in ELBs / FDs/ VLBs `2200
11. Sr. Managers/ Managers heading branches and services units like Accounts Section,
Clearing Section, Currency Chest, RSTCs , F & I Section etc `1500
12. II line Managers in all branches incl. Scale III Mgr and faculty of STC/ RSTCs `1000
13. Scale I Managers heading branches `1000
The powers to permit Revenue Expenditure for the works relating to provision of false ceiling,
wall paneling, supply of carpets, curtains, vinyl / PVC marble floorings are delegated to the
Executives of scale V and above of the controlling office. The branch officials should not
Canara Bank
exercise their delegated powers for these items.

Annual Subscription to Clubs: Maximum `1000/- per annum
LEGAL EXPENSES: Branches can approve advocates bills in respect of all claim amounts if
paid as per CO fee schedule.
ADVOCATE FEE in DRT matters:
1% of the claim amount with
minimum `12,500/- and maximum `30,000/-.(Max- Rs.50000/- in Metro)
Local Purchase Of Stationery Limits per annum (Cir.318/2010)
Small branches/Currency Chests 5000

Medium Branches, Lead Bank Offices 10000
Large branches/ VLBs/ Accounts Section/LPCs 15000
ELBs/PCBs/RSTCs/Zis/RAH/ID 20000
Premises Section Of Circle Offices 50000
Telephone To Residential Quarters
No.of Free Calls permitted per month (excluding free calls allowed by BSNL/MTNL)
Eligible Officer/Manager/Sr.Manager
: 500
Divisional Manager
: 750
Asst. General Manager
:1200
Seniormost AGM at CO
:1500
DGM
:2500
GM
:3500
Reporting of premises related Transation to CBI- Bank shall report the proposals involving
transactions of Rs.25 lakh & above to CBI, in respect of rent(Per month), quantum of rental
deposit and premises loan.(LDGM 8/2012)
Income Tax Rates For The Financial Year 2015-16(Cir 447/2014,
292/2015) For Resident Individuals born on or after 01.04.1955
Total
Income
Tax Rate
Where
the total
income does NIL
not exceed ` 2,50,000/Where
the
total
income 10%
of the amount by which the
exceeds `.2,50,000/but does not total income exceeds `2,50,000/exceed `5,00,000/Where the total
income exceeds`25000- plus 20% of the amount by
`5,00,000/but
does not exceedwhich the total income exceeds
`5,00,000/`10,00,000/Where the total
income exceeds `1,25,000/- Plus 30% of the amount by
which the total income exceeds
`10,00,000/`10,00,000/All resident individuals born during 01.04.1935 and 31.03.1955 ( Senior Citizen)
Total Income
Tax Rate
Canara Bank
Where
the total
income does NIL
not exceed ` 3,00,000/Where the
total
income exceeds 10% of the amount by which the total
`3,00,000/but does not exceedincome exceeds `3,00,000/`5,00,000/Where the
total
income exceeds`20000/- plus 20% of the amount by
`5,00,000/but does not exceedwhich the total income exceeds
`5,00,000/`10,00,000/Where the
total
income exceeds`120000/- Plus 30% of the amount by
`10,00,000/which the total income exceeds
`10,00,000/All resident individuals born before 01.04.1935 (Super Senior Citizen )
Total Income
Where
the total
income
does
not exceed ` 5,00,000/Where the total
income exceeds
`5,00,000/- but does not exceed
`10,00,000/Where the total
income exceeds
`10,00,000/-
Tax Rate
NIL
20% of the amount by which the total
income exceeds `5,00,000/`1,00,000/- Plus 30% of the amount by
which the total income exceeds
`10,00,000/-
Income Tax Surcharge: For all the above categories, if total income
exceeds Rs 1 crore, 12% of surcharge on Income tax has to be added.
However, the amount of Surcharge shall not exceed the amount by which the
individuals total income exceeds Rs 1 crore and if surcharge so arrived
at, exceeds such amount (Employees total income minus one crore)
then it will be restricted to the amount of total income minus Rupees
one crore.
EDUCATION CESS & SECONDARY & HIGHER EDUCATION CESS: Edu.
Cess of 2% & Secondary & Higher Edu. Cess of 1% has to be added on
Income tax & surcharge, if any.
REBATE UNDER SECTION 87A: A resident Individual (whose net income
does not exceed `5,00,000) can avail rebate (deductible from Income Tax
before education cess) under section 87A amounting to 100% of Income
Tax or `2,000,whichever is less.
TDS at higher of the prescribed rate or 20% have to be deducted on

all transactions liable to TDS, where the Permanent Account Number
(PAN) of the deductee is not available with the Branch.
It is also applicable to all non-residents in respect of payments / remittances
liable to TDS.
Payment to Contractors / Sub Contractors :TDS applicable : Per Transaction
: `30,000/- Annual payment `75,000/-(Individual/HUF-1%, AOP/BOP-2%)
Commission, Brokerage : `5000/-, Rent `1,80,000/- p.a.(Land & Building,
Plant & Machinery) , Professional Services : `30,000/- pa.- 10%
Rent more than `1,80,000/- p.a. for Plant, Machinery, Equipments including
Generator- 2%
Canara Bank
Immovable property other than agl land- above `50 lakh- 1%

PAN OF LANDLORD(Cir 683/2014) Central Board of Direct Taxes(CBDT), vide its
Notification No. 08/2013 dated 10.10.2013 has modified the procedure for claiming
HRA exemption under Section 10(13A) of I T Act (with effect from the Financial Year
2013-14) as under:
In case, annual rent paid by the employee exceeds Rs 1,00,000 per annum, it is mandatory
for the employee to report PAN number of the landlord to the employer.
In case, the landlord does not have a PAN number, a declaration to this effect from the
landlord along with the name and address of the landlord should be filed by the
employee.
Though incurring actual expenditure on payment of rent is a pre-requisite for claiming
deduction under Section 10(13A) of I T Act, it has been decided as an administrative
measure that salaried employees drawing HRA upto 23,000 per month will be exempted
from production of rent receipt. It may be noted that this concession is only for the purpose
of tax deduction at source only. In the regular assessment of the employee, the Assessing
Officer will be free to make such enquiry as he deemed fit for the purpose of satisfying
himself that the employee has incurred actual expenditure on payment of rent.
Facility to file income tax returns through our web site(Cir 177/2011, 86/2013, 329/2014)
The facility Canara e-filing is enabled in our Banks website viz. www.canarabank.com
under Online Taxes.
Canara Bank customers will be offered Tax Spanner packages at the discounted fee as
mentioned below :
Product
MRP Canara Bank customers
Salary - Standard
249/- Rs.180
(plus applicable tax)
Salary e File - Plus
449/- Rs.270
(plus applicable tax)
Salary e File Plus
(Assisted)
699/- Rs.
450 (plus applicable tax)
Tax Spanner is offering above packages for giving expert advice and income analysis for
filing returns. The Bank is entitled to get 50% of the commission on the fee .
Prevention of Accidental Firing of Gun(cir 229/2008)
Armed guard should attend one training programme in a year. There should NOT be a
gap of more than 15 months between 2 trainings.
Guns which are 10 years old are to be inspected and should be serviced once in 6
months.
More than 20 years old Guns should be replaced.
Burglar alarm system. (cir 286/2008)
Branch managers should check the burglar alarm system DAILY for serviceability and
set the appropriate mode.
Some Important Matters:

1. A Banking transaction in a branch costs between `35 and `40, at ATM between `15 and
`30, Mobile Phone transaction would cost about `2-5.
2. Phising refers to a phenomenon in which the customer gets an e-mail that deceptively
claims to be from the bank and asks for account related information, Credit Card
Canara Bank
particulars, Pass words and PIN.

3. As per Supreme Court Judgement, even if the guarantee is revoked before the loan
amount is disbursed, the defaulted amount will have to be paid by the guarantor.
Currency Chest Transactions
Levy of Penal Interest for Delayed Reporting / Wrong Reporting / Non-Reporting of
Currency Chest Transactions and Cases involving Shortages/Inclusion of Counterfeit
Banknotes in Chest Balances / Chest remittances. (Cir 239/2009)
The minimum amount of deposit into/withdrawal from currency chest will be `1,00,000
and thereafter, in multiples of `50,000/-.
Reporting to link offices by chests, by 9 pm. Link Office to Issue Office by 11pm.
In case re-issuable banknotes are found to be in excess of 5% in any soiled note
remittance, the entire remittance will be returned to the bank at its cost.
Penal interest is Bank Rate + 2%

Chest Balance Limit (CBL) as advised by Regional Offices of Reserve Bank of India may
be considered as maximum limit and 25% of the Chest Balance Limit (CBL) in reissuables would be the minimum balance that can be held by Currency Chests.
Scheme of Incentives And Penalties For Bank Branches Including Currency Chests
Based On The Performance In Rendering Customer Service To Members Of Public
(Cir NO.267/2008 & 203/2010, 296/2010, 5/2011, 236/2011,
205/2012, 327/2013, 395/2014, 47/2015)
Non functioning of CCTV in Currency Chest: Fine by RBI
`5000/- for first time and `10,000/- in case of repetition
Non acceptance of small denominations remitted by Public, Refusal to accept soiled
notes remitted by public: Penalty by RBI `10,000/-. `5 lakhs penalty in case there are
more than 5 violations by the branch. The same will be placed in public domain.
Opening of and maintaining currency chests at centers having population of less than 1
lakh in under banked States: Capital Cost: : Reimbursement of 50% of capital
expenditure
subject to a ceiling of Z50 lakh per currency chest. In the north Eastern region up to
100% of capital expenditure is eligible for reimbursement subject to the ceiling of Z50
lakh.
Revenue Cost: Reimbursement of 50% of revenue expenditure for the first 3 years.
In the North Eastern region 50% of revenue expenditure will be reimbursed for the
first 5 years.
Incentive for establishing Coin Vending Machine: Capital cost: Urban / Metro / centres
50% ; Rural / Semi Urban centres 75% + Operational cost @ Z25 per bag.
The Incentive Amount received from RBI towards reimbursement of capital cost of
machinery / equipment should be credited to Furniture & Bills Section, GA Wing, HO,
instead of crediting to Commission Account GL 320020110.(47/2015)
Exchange of soiled notes- Rs.2/- per packet for exchange of soiled notes in
denominations up to Rs.50/-(Cir 396/2013)
All soiled note remittances sent to Reserve Bank of India to be packed by SHRINK
WRAPPING 1000 PIECES in a bundle instead of packing 10 packets of 100 pieces in a
bundle as is being done at present.
Currency Chests are required to submit their claims for incentives at the end of each
Canara Bank
calendar quarter through their link offices. The quarterly claims for incentives should be
duly verified and certified by the Auditors / Internal Inspectors and should reach the Issue
Department of Reserve Bank of India through their link offices with in 30 days. In the
case of distribution of coin, incentives will be paid on the basis of net-withdrawal from
Currency Chest, without waiting for claims from banks.
Detection and Reporting of Counterfeit Notes Introduction of Compensations and
Penalties (Cir 396/2014)
Failure to impound Counterfeit notes will be treated as wilful involvement of the official
concerned in circulation of such notes and penalty imposed by Reserve Bank of India.
Compensate the Banks 25% of the loss incurred in respect of counterfeit notes of Rs 100
and above detected by them and reported to RBI / Police Authorities w.e.f. 1st July 2013
.
Claims for compensation should be made through the Forged Note Vigilance Cell of the
banks in the prescribed format (Annex V) on a monthly basis through email within fifteen
days of the succeeding month.
Reimbursement will be done by RBI, Department of Currency Management, to begin
with, on a quarterly basis.
A review of the above system will be conducted after one year. Examination of Banknotes
before Issuing over Counters, Feeding ATMs and Remitting to Issue Offices of
Reserve Bank: (Cir.295 / 2010, 161/2012)
All notes of 2100 and above are processed through machines conforming to Note
Authentication and Fitness Sorting Parameters prescribed by RBI from time to time,
before issuing them over the counters or through ATMs.
Each banknote which is determined as a counterfeit one, shall be branded with a stamp
COUNTERFEIT BANKNOTE. For this purpose, a stamp with a uniform size of 5 cm x 5
cm with the following inscription may be used. COUNTERFEIT BANKNOTE
IMPOUNDED.
Preservation of Counterfeit Notes Received from Police Authorities: (Cir.295/2010)
These Counterfeit Notes at branches should be subjected to verification on a half-yearly

basis (on 31st March and 30th
September) by the Officer-in- Charge of the branch concerned. These should be
preserved for a period of three years from the date of receipt from the police authorities.
The Counterfeit Notes may thereafter be sent to the concerned Issue Office of
Reserve Bank of India with full details.
The Counterfeit Notes, which are the subject matter of litigation in the court of law should
be preserved with the branch concerned for three years after conclusion of the court
case.
For cases of detection of counterfeit notes up to 4 pieces, in a single transaction, a
consolidated report as per the format prescribed (242/2011) to be sent to the Police
Authorities at the end of the month.
For cases of detection of counterfeit notes of 5 or more pieces in a single transaction,
FIRs should be lodged with
the Nodal Police Station / Police Authorities as per jurisdiction, in terms of H.O Circular
No. 238 / 2011 dated 02-08-2011.
Canara Public Grievances Redressal System (CPGRS)(Cir 122/2012)
Canara Bank
In order to have effective control and monitoring the grievance redressal mechanism, in
single software, suitable integrated software is the need of the hour.
It is internet based online Public Grievance and Redressal System with a facility to track
the status online by our customers/general public.
DIT Wing has enabled web based package in SINGLE AUTHENTICATION SERVICE
(SAS) for the use of HO/CO/Branch users to view/update the interim reply/action taken in
the various stages involved in the subject system. The same has been enabled in the
website (www.canarabank.com) of the Bank for general public for registering complaints.
Canara Vidya Jyothi Scheme(250/2013, 696/2014)
A Corporate Social Responsibility (CSR) Initiative
As a humble homage to Bharat Ratna Dr B R Ambedkar and to encourage education, a
scheme of extending financial assistance to SC/ST girl students from rural area named
as Canara Vidya Jyothi Scheme is launched under Corporate Social Responsibility
(CSR) Initiative.Each rural branch of the Bank to extend financial assistance to six girl
students of their command area.
Eligibility Criteria
One Student from each of the class from 5th Standard to 10th Standard.
Students studying in Government School within the command area of the Branch.
Students from BPL family.
From SC/ST community.
Should be the highest scorer in the immediate preceding class among SC/ST girl
students.
Amount of Assistance
~ Rs 2500 per student per year for students of class 5TH to class 7TH
Rs 5000 per student per year for students of class 8TH to class 10TH
On approval by the concerned Circle Head the scholarship amount will be released by
the branches by debiting to
General ChargesCSR (GL Code 420085495). The scholarship to be disbursed

through student SB a/c
The Scheme is extended till FY 2014-15
Note: It is budgeted to spend 2% of average net profits of the Bank during the three
immediately preceding financial years on CSR activies. Since past few years, focus of the
organizations worldwide has shifted from single bottom line to triple bottom line approach
i.e. ensuring economic, social and environmental sustainability.
WRITE OFF OR WRITE BACK OF NON CREDIT ITEMS(Cir 389/2014, 149/2015)
New policy guidelines for elimination of non credit items.

Concept of approval committees for proposals falling beyond the powers of AGM.
GM/DGM (circle head) Approval Committee to review house keeping position quarterly.
Delegation of powers for write off/write back revised.

The scope of this policy is limited to balance held at various branches and offices in
India on account of inter branch/ interbank transactions, branch adjustment accounts,
sundry assets, sundry liabilities, sundry deposits and any other type of transactions
Canara Bank
which are of non credit nature.

Proposals beyond circle power s to be recommended by GM/DGM
(circle head) Approval Committee. Powers of the committee/Delegated
Authorities
Name
of
the
committee/ Non
Credit Cash
shortage,
Items
Fraud,
Theft,
Delegated Authority
Burglary
including
ATM cash shortage
MC
Full Powers
Full Powers
CMD-AC
10,00,000.00
5,00,000.00
ED-AC
5,00,000.00
2,50,000.00
CGM-(CO/HO)AC
3,00,000.00
2,00,000.00
2,00,000.00
1,50,000.00
GM-HO AC
1,00,000.00
75,000.00
GM-CO AC
DGM (CO/HO) AC
75,000.00
40,000.00
AGM (CO/HO) Individual powers
25,000.00
7,500.00
DM (CO/HO) Individual powers
10,000.00
2,000.00
TEST YOUR SELF : GENERAL BANKING

1.
Who are the Joint Venture partners of the Insurance venture
a.HDFC Bank and ICICI Bank, b.HSBC and Oriental Bank of Commerce
c. IOB and ABN AMRO Bank, d. Vijaya Bank and Corporation Bank
e. Syndicate Bank and Bank of India
2.
The present base rate of our Bank is : a. 10%p.a, b.10.20% p.a. c. 10.50% p.a
d. 10.75% p.a e. 9.65% p.a
3. Customer Fortnight is observed every year in the month of a) November b) Every
month c) July d) March e) No such function
4.A rural branch is one opened in a place having population of a) upto 9999 b) Upto
100000 c) Upto 20000 d) In any village e) None of the above
5.To open a new branch in Urban Area, permission is to be obtained from:
a) RBI b)Ministry of Finance c) Board of Directors
d) Head Office of our Bank
e) No permission is required
6.As per KYC norms , records should be preserved for a maximum period Years :
a) 3 b) 4 c)5
d)6
e)10
7.After conducting Risk Based Internal Audit (RBIA) of branches, branches will be
awarded gradation. How many inspection gradations/risk categorizations are there
under RBIA: a) 3 b) 4 c)5
d) 6 e) 2
8.Special Assistant can sign Pay Orders with amount up to Rs.
a) Rs.25,000/- b) Rs.50,000/-, c) Rs.1,00,000/- d) Rs.1,50,000/- e) Rs.2,00,000/9.
Quoting of PAN of the customer is mandatory for any of the following
Transactions related to banking: a. Opening a time deposit, exceeding fifty thousand
rupees, b. Opening an account, (not being a time-deposit), c. Payment in cash for
purchase of bank drafts or pay orders or banker's cheques for an amount aggregating
Rs.50,000 or more during any one day, d. Deposit in cash aggregating Rs. 50,000 or
more during any one day, e. All the above.
Canara Bank
ANSWERS :
1b
2b
3 a
4 a
5 a
6 e
7 a 8 b
9 e
Question bank on HRD / STAFF MATTERS

1)
Quality Circle means

c)
Circle level committee to ensure good customer service
d)
Voluntary forum in branches/offices to use the potential &
creativity of employees c) A committee set up to find the quality in the product of
any organization ; d) A system practiced in the bank to recruit good
quality staff e) None of the above
2)
ESS means : a)
Employee Suggestion Scheme b) Employee Safety systems
, c) Emergency Safety Standards in the Bank d) Educational Loan Scheme for Staff e)
None
3)
Mile stone award incentive to employees is
a) Rs. 2000 b)
Rs. 5000 c) Rs.1500 d) Rs.1000 e) Rs.10000
4)
If a staff is not wearing identity card while on duty it is considered as
a) Minor misconduct, b)
Major misconduct c) No offence d)Disobedience , e) Criminal
offence
5)
Employee cheque can be discounted at a branch other than the salary
paying branch - a) Upto Rs.50000 b) Upto Rs.25000, c)
Upto Rs.1 month gross
salary
d)
Upto 1 month net salary e) No ceiling
6)
Performance Appraisal Report for workmen to be sent a) Yearly, every
December
b)
Quarterly March, June, September, December c)
Yearly, every
March d)
Monthly e) Half yearly June and December
7) Staff meeting is to be conducted in branches/offices a) monthly, b) Quarterly
c) Fortnightly, d) Any time when the staff are free e) Half yearly
8) For LFC and medical facilities, the term wholly dependent means, income of
dependant not exceeding Rs. per month: a) Rs.1500/b) Rs.2500/- c) Rs.3500/d) Rs.5000/- e) No ceiling
9) To become eligible for Clean Loan Facility, employee should have completed Years
of service in the Bank: a) 5 years. b) 3 years c) 2 years, d) 1 year, e) No such condition
10) Maximum amount of Group Personal Accident Insurance Coverage for Clerk/
Special
Assistant in Rest of India (Other than Jammu & Kashmir) for the current year I e 201516
a) Rs.1, 00,000/-, b) Rs.1, 50,000/-, c) Rs.2, 50,000/-, d) Rs.5, 00,000/-, e) No such
facility
11) Margin on Our Employees Housing Loan (Staff Housing Loan) is:
a) 5% b) 10%
c) 15%
d) 20%
e) 25%
12) What is the maximum quantum of Housing Loan to Clerical Staff Under Employee
Housing Loan Scheme: a) Rs.20 lakhs b) Rs.30 lakhs c) Rs.50 lakhs, d) Rs.5 lakhs e)
Rs.60 lakhs
Canara Bank
13) As per revised limits for Local purchase of Stationery items by branches, branches can
purchase any general item for branch use with per item cost not more than Rs.
a) Rs.50/- b) Rs.100/- c) Rs.150/- d) Rs.200/- e) Rs.500/14) Staff Meeting Expenses per person is - a) Rs.5/- b) Rs.6/- c) Rs.10/- d) Rs.4 /- e)
None
15) No service charges are to be levied to staff in respect of
b) AWB/CBS servcies for intracity transaction, b) RTGS/NEFT transaction, c) Internet
Banking
d) a & b above e) all a, b and c above
16) Substaffs are eligible to take up following Delphi Course for a)Foundation
Course
b)Development Course , c) Specialised course, d) a & b above, e) all a, b and c above
17) Cash Incentive for completing foundation course is - a) Rs.1000/- b) Rs.2000/c) Rs.3000/- d) Rs.5000/- e) No ceiling
HRD / STAFF MATTERS (ANSWERS)
1
2
3
4
5
6
7
8
9
10
b
a
b
a
c
a
a
c
b
b
11
12
13
14
15
16
17
b
b
d
c
e
a
a
OFFICIAL LANGUAGE
Official Language Act 1963 (amended in 1967) and Official Language Rules govern the use of
Hindi in public sector banks (and not the private sector banks). Hindi was accepted as official
language in India, on Sept 14, 1949.
Monitoring of progress : Monitoring is done by Deptt. of Banking Operations and
Development. Classification of Regions : Various States/UTs have been categorized into 3
regions:
Region-A : HP, Haryana, Rajsthanm MP, Bihar, UP, Uttrakhand, Jharkhand, Chattisgarh, UT
of Delhi, Andaman & Nikobar Island
Region-B : Maharashtra, Gujarat, Punjab & UT Chandigarh.
Region-C: All other remaining States & UTs.
Display of Boards:
All sign boards, counter boards, Bank name board, other boards, placard etc. should be in
Hindi, besides English.
Banks to display notice boards. at branches in Hindi speaking areas to the effect that forms
etc. filled in Hindi are entertained.
Name/designations boards of offices,
departments, divisions and officials of the banks to be displayed bilingually in offices in
Region A & B.
Official Language Implementation Committee:
OLIC should be set up at the HQs, offices and branches of banks. Branch Manager to be exofficio chairman of the committee. Hindi Officer and in his absence any other officer, to be
secretary and other members from different sections. Committee to meet once in a quarter.
OLIC meeting convened by RBI to be attended by officials at Senior levels.
Hindi divas - To be observed on Sept 14. Reply to letters in received in Hindi
Canara Bank
Under Rule 5, Letters received in Hindi to be replied in Hindi All Regions A,B&C uniformly 100% Preparation of bilingual training material All Regions A,B&C uniformly - 100%
Original correspondence in Hindi
Region "A"
Region "B"
Region "C"
From
From
From
1. "A" to "A" - 100%
1. "B" to "A" - 90%
1. "C" to "A" - 55%
2. "A" to "B" - 100%
2. "B" to "B" - 90%
2. "C" to "B" - 55%
3. "B" to "C" - 55%
3. "C" to "C" - 55%
3. "A" to "C" - 65%
TEST YOURSELF
01 Official language policy came in force with effect from which of the following dates:
a Aug 16, 1947
b
Sept 14, 1947 c Jan 26, 1947 d
Jan 26, 1950 e Aug 16,
1950
02 Hindi has been adopted as Official Language of the Union of India as a result of which of the
following: a unanimous vote
b
majority vote c golden vote d
Speaker's
vote
e President's vote
03 Which guidelines of Official Language Act make it obligatory for a person to reply in Hindi
only, if letter is received in Hindi?
a Rule 5 of Official Language Rules b Rule 6 of Official Language Guidelines c Article 7
of Official Language Act d Rule 10 (c) of Official Language Act e. It is not required.
04 Hindi became Official Language and the policy became effective with effect from the
following date:
a August 15, 1947 b August 15, 1950 , c January 16, 1950 d January 26, 1950 , e.January
26, 1975
05 On which of the-following dates, Hindi was declared Official Language of the Union?
a January 26, 1949 b August 15, 1950, c September 14, 1949 d January 26, 1956
e August 15, 1957
06 Which among the following is considered as 'working knowledge' of Official Language?
a Hindi as a subject in Matriculation examination, b Hindi as a subject up to Middle
Standard examination ,c Hindi as mother tongue , d If one could understand Hindi
e If one could read, speak and understand Hindi
07 What is script of the Official Language in India: a Hindi
b
Gurmukhi
c Devnagri
d
Sanskrit e Gujarati
08 Which among the following languages is used for transaction of business in Parliament in
India:
a Only Hindi
b
Only English c Hindi or English d Hindi and English e. all the above
09 The Official Language Policy of the Govt. is applicable to :
a All govt. establishments whether of the State Govt. or Central Govt. b All Central Govt.
offices
c All Central Govt. oraanisations which are owned and controlled by the Central Govt.
d State public undertakings e.Central govt. undertakings
10 The responsibility of implementation and compliance of Official Language Policy of Govt. of
India lies with: a Central Govt. b State Govt. c Ministry of Education d Administrative
Heads of the concerned department e. Ministry of Human Resources
11 According to the provisions of Official Language Rules 1976, under which of the following
region, does the State of Gujarat falls: a Region A b Region 13, c Region C d Region D e
Region E
ANSWERS : 01 d, 02 a ,03 d,04 c, 05 c 06 a 07 c, 08 d, 09 c, 10d ,11 b
Canara Bank
OFFICIAL LANGUAGE : SOME MORE FACTS
1. The Hindi was declared as Official Language of Union on 14.09.1949. The

Official Language Policy came in force with effect from 26.1.1950. The Act was
passed in the year 1963. Official Language Rules are applicable to all states
and union territories except Tamil Nadu.
2. The Parliamentary Committee on Official Language has to be constituted with
30 members 20 from Lok sabha and 10 from Rajya Sabha.
3. Official Language Rules were framed in 1976
4. As per Rule 5 of OL Rule, a letter received in Hindi is to be replied i n Hindi.
5. Canara Bank Rajbhasha Puraskar Yojana - Award to employees for using of
Hindi in day to day official work.
6. Indira Gandhi Official Language Award Scheme given by Government to
Ministries, Banks, Financial Institutions for using of Hindi
7. All branches to have Official Language Implementation Committee with branch
head as the Ex-officio Chairman. At least . One meeting every 3 months. (First
month of every Quarter)
8. The OL Committee has to be reconstituted every year.
9. As per Section 3(3) of OL Act 1963, certain specified Documents like general
orders, instructions, circulars, notices etc have to be issued invariably in Hindi
and English.
10.
STR 18 quarterly Progress Report on OL due on last day of every quarter.
11. Hindi Day is celebrated on 14th September e very year to commemorate the
constitutional recognition accorded to Hindi as the Official Language on
14.9.1949.
12. Region A Bihar, Chhatisgarh, Haryana, Himachal Pradesh, Jharkhand,
Madhya Pradesh, Rajasthan, Uttar Pradesh, Uttarakhand, National Capital
Territory of Delhi and Andaman & Nicobar Islands Union Territory
13. Region B Maharashtra, Gujarat, Punjab, Union Territories of Chandigarh,
Daman & Diu and Dadra & Nager Haveli
14. Region C All other remaining states
15.
In Parliament, Hindi & English are used for transaction of business.
16.
Script of official language Hindi is Devanagari
17.
Numerals in Official Language is International form of Indian numerals for
e.g. 1, 2, 3
18.
The in house distance education programme of the bank is CANBANK HINDI
PATHRACHAR PATHYAKRAM.
19.
When 80% of the staff members attain working knowledge in Hindi in a

branch/office, the name of the branch/office will be notified in the gazette under
Rule 10(4)
20.
Rule 11 specifies that manuals, codes, stationery items etc should be in
Bilingual
21.
As per Rule 12, responsibility of compliance of Official Language rules lies
with the administrative head
22.
The order of language in the name plates of our Bank in Region B & C should
be Regional Language (Official Language of the State), Hindi (Official Language
of the Union) and English.
Canara Bank
23.
24.
25.
26.
Periodicity of OLIC meetings quarterly calendar quarter

Town OLIC TOLIC meetings once in 6 months.
50% of total library budget should be used for purchase of Hindi Books
If any staff member passes Banking Pragya, it will be treated that he
possesses working knowledge in Hindi
27.
IT initiatives in the field of OL implementation Unicode word processor,
Script magic Data processing Bilingual (Hindi & English) interface for pass
sheet, FDR, leave proceedings etc
28.
Under Canara Bank Rajabasha Akshay Yojana branches/offices are
awarded prizes.
29.
Under Canara Bank Rajbhasha Puraskar Yojana staff members are
awarded prizes
30.
Canara Bank has won the First prize for the Best implementation of Official
Language Hindi for the year 2012-13 and 2013-14 in Region-C from Government
of India (Indira Gandhi Rajbhasha Shield))
31.
TOLIC (Town Official Language Implementation Committee) (Bank) Bangalore
Convenor Canara Bank has won First prize for the Best implementation of
Official Language Hindi for the year 2013-14 in Region-C from Government of
India (Indira Gandhi Rajbhasha Shield)
32.
If an employee passes matriculation or equivalent or higher examination with
Hindi as a medium of examination he will be treated as possessing proficiency in
Hindi
33.
If any typist types 300 notes/letters/drafts in Hindi in a quarter he will be
eligible for an allowance of ` 80/- per month
34.
Incentive to officers for giving dictations in Hindi 5 letters etc., per day or
250 letters/drafts per quarter ` 1000/- per month in Region-C, 500/- in RegionB and 250/- in Region-A
35.
Hindi magazine published by Canara Bank, HO CANARAJYOTHI
36.
Hindi diwas is celebrated on 14th September each year
37.
The articles of constitution dealing with official language 343 to 351
42. Hindi was declared as official language of the Indian Union 14.09.1949
43. Hindi Pakhwara (Hindi Fortnight) celebrated from September 1st to 14th.
Annual Programme for 2014-15 for use of Hindi
Under Rule 5, Letters received in Hindi to be replied in Hindi All Regions A,B&C
uniformly - 100%
Preparation of bilingual training material All Regions A,B&C uniformly - 100%
Purchase of all electronic equipments, including computers in bilingual form All
Regions A,B&C uniformly -100%
Website All Regions A,B&C uniformly -100% (bilingual)
Citizen Charter and display of Public interface information Board All Regions
A,B&C uniformly - 100% (bilingual)
Inspection of Subordinate Branches / Offices (% of Offices) All Regions A,B&C
uniformly - 25% (minimum)
Inspection of Sections at Head Office /Circle Office All Regions A,B&C uniformly 25% (minimum)
Translation of Codes, Manuals, forms, procedural literature - All Regions A,B&C
uniformly- 100%
Canara Bank
Installation of "Script magic" software in all the computers of the Bank to

provide bilingual facility in CBS. (Cir 190/2011)
BALANCING & RETURNS BALANCING

Balancing Quarterly last working day -- NNND, Security items, FCNR (B),RFC
& ESCROW A/C, EEFC
Quarterly last Friday -- Cash margin on LC/Guarantees.
Monthly last Friday
-Outstanding Guarantees,
CDB/SDB/LSDB/Supply
Bills/BE/FDB.
Half yearly Sept / March -- Vacant Safe Deposit Lockers, Inoperative NNND a/c.
15th of every month and last day of March & Sept -- OSC / ISC
Yearly 10th March -- stock of books and forms.
Half yearly last Friday June/Dec -- Physical verification of Gold Jewellery
packets.
Monthly -- Surprise Verification of Cash, GPA Aug. Last Day,Half yearly ie 20th of
Feb and August every year and also during RBIA -- Mortgage papers PRR 18.
RETURNS
Monthly Last day : PSR 60 - SJSRY Scheme ,PSR 67 - Exposure to sensitive
sectors,
PRR 43 - Return on Sundry Liabilities A/c and Sundry Deposit A/c,PRR
20A
Credit report cum inward application register (NB 139),PRR 14
Reconciliation Statement of account with bankers,PRR 18A - Interest checking, PSR
54 - Customer Service committee meeting / Customer Day, PSR 71 - Retail
Lending Flash, POR 21
NABARD Refinance monthly disbursement
register,Reporting of cash transactions and suspicious transactions and maintenance
and preservation of records, STR 30 Inflow/outflow of Deposits under NRE Rupee
A/c , PSR 73 - NPA statement, POR 1 - Declaration and Premium Remittance on
Pre-shipment Export Credit Guarantee Policy (ECGC/WTPCG),PRR 37 : TOD
Outstanding on a/c of Debiting Can Card FTV, Basel II Credit Risk, CTR
Monthly Last Friday : PRR 44 Non Fund Based Business, Staff Irregular Accounts,
Spl. Program to provide relief to MSME/ Unit with TUFS Details,ECGC, SRMS, PSR
1 - Flash Report, PSR 33 Recovery of priority sector advances, PRR 18 Maintenance of key register for recording day to day inward / outward entries
pertaining to mortgage papers, DSR Returns Reporting of Unsecured Exposures
(outstanding liabilities both Fund Based and Non-fund based credit facilities).STR
11- (RBI Statement) Daily cash and bank balances.Deposits exempted under
purview of SLR/CRR FORTNIGHTLY ON NOTIFIED FRIDAY,LAST FRIDAY OF
MONTH & 31st MARCH :
STR 11A - Business position (Other than Notified Fridays
Last day of the Calendar Quarter : STR 33 - Return on Asset Quality,Quick
Mortality ( Part A & C ) ,PSR 20 - Progress Report on SGSY scheme,STR 18 Progressive use of Hindi in banks,Adherence to KYC & AML guidelines
Compliance, Fair Practice code grievances of Credit proposal; Details of CMA
Parties, enjoying credit facility above Rs.10.00 crores, Export Finance ECIB ( WTPC
), Report,Return of GR Forms,PSR 72 - SME loan extended without collateral
security, PSR 81 - Position of Applications, sanction disbursement of Edn loans,
PRR 42 - Return on Quarterly Action plan, Incident Reporting pertaining to
technology related areas, PRR 30 - Register cum Return for Complaints received,
DSBR 1 Offsite Surveillance of Banks Reporting System - MIPD & PP Sec, CO,
Canara Bank
PSR 77 Kisan Credit Card Scheme progress report, PPF return, Follow of a
leave ( April / July / Oct / Jan ).
Quarterly Last Friday: PRR 33A - LPD Accounts, PSR 22 Applications received
for advances to Priority Sectors, PSR 7 Priority Sector Advances to Minority
communities, PSR 26 financial Assistance to Women beneficiaries, PSR 80
Performance under newly introduced Scheme of Priority Sector, DICGC Claims, PSR
43 : Export Credit Statement, PSR 23 A Advances to Priority Sector and SC/ST
Half yearly as on last working day of December and June : PRR 8 - Progress
report stmt on credit review and programming,PRR 12 : Statement on Expiry date
of loan Papers.
Half yearly last day Sept and March :PRR 22 Position of Safe Deposit Lockers,
STR 28 - Foreign Contribution Regulation Act, STR 32 Remittance of Income /
Interest allow to NRI /OCBs on deposits/Investment held by them on Non
repatriation basis and submitted to Regional office of RBI on half yearly basis, PRR
10 Expenses on Vehicles, Quick Mortality Progress Report Part B
Half yearly last Friday March and September: PRR 33C - LPD Accounts sector
wise.
STR 20- Recovery performance under Govt Sponsored Schemes.
Half yearly ie on 20th Feb and 20th August and also duri ng Risk Based Internal Audit
(RBIA),
Yearly Last Friday of June :PSR 21- Special Return of advances to priority sector,
Agriculture, Weaker Section (part A & B ), PSR 29 Agriculture Loan return
30th June and 31st Dec every year : PRR 35 - Liability on account of Bills
discounted by us and which are co-accepted by other Banks.
Yearly last working day of September - STR 19 Deposit Insurance Return
31st December each year - Identification of Training need.
Yearly Last Friday of March STR 13 DIR Scheme, PSR 23 : Advances to
Priority Sector
Special Watch list accounts: - To ensure validation of data uploaded to CRILC, IT
has been decided to synchronize drawing of SWL statements on every Friday of the
week and last day of the month instead of 7th, 15th, 22nd as has been done hitherto.
( Cir 363/2015)
Quick mortality Statement Quarterly statement for accounts become NPA within
12months for accounts with liability of Rs. 5 lacs and above.
Business continuity Plan (254/2011) : Branch has been pr ovided with previous day
EOD position of CASA Balancing report on daily basis in CBS Reports Portal
(http://cbsreports)
under
the
link
,http://cbsreports/CASA_Balancing_Business_Continuity, Now previous day EOD
position CASA Balancing Report are forwarded to the respective branches through e mail with effective from 6/7/2011 onwards.
PRR-33 Statements relating to NPA accounts.

LPD ACCOUNTS ( 425/2015) :
1. PRR 33 A B C has to be submitted within 7 days from due date (Last Friday of
March/ September). 2. LPD/Suit filed details are to be updated in AC002, BA020,
BAM59, BAM83 and LNM 83. 3. Circle has to export data in MIS package and
intimate HO to import data within 20 days from due date. PRR 33 A : HY statement
of LPD accounts.
Canara Bank
PRR 33 B: Statement of age wise /quantum wise distribution of LPD accounts.

Details of recovery certificate issued/received in these accounts are furnished in this
statement.
PRR 33 C: Sector wise classification of LPD accounts.
Circles to submit HY review report to HO in respect of LPD accounts of Rs 1 Cr &
above
Marking a loan account as LPD: Teller LNM 35 LNM 83 BA020. Supervisor
AC002 LNM 35LNM 83 BA020
BASEL II Framework Returns 4A, 4B & 4C revised (94/2012) : With effect from
1/2/2012, periodicity of submission of Basel II returns is changed to monthly from
quarterly. Mock returns are being generated as at 15th of every month and on all
Fridays during quarter ends.
Counterfeit Currency Reports. - Branches and Currency Chests are required to
submit counterfeit currency reports (CCRs) within 7days from the date of dete ction of
counterfeit currency note/s, Counterfeit currency detected in the soiled notes is also
to be reported in the CCR.
AIR ( Annual information Report ) : Last working Day of May every year in which
Cash deposit in SB in a year Rs. 10.00 lacs & more & Credit card payment Rs. 2.00
lacs & above.
STR-19 ( Deposit & Insurance return ): Last working day of Sept.
Operational Risk mgmt. by branch as & when due
STR ( suspicious transaction report ) : within seven days of identification suspicious
transaction
1.MISSED CALL ALERT SERVICES ON SELECT RETAIL LOAN PRODUCTS REPLACED
BY NEW NUMBERS ( 455/2015)
Services
New Virtual Mobile Numbers (VMN)
Home Loan
Car Loan
Housing Loan for HNI customers
Housing Loan for NRI customers
09015 637 637

09015 642 642
09015 257 257
09015 778 668
2. Change of Mobile Numbers used for Missed Call Alert Services ( 465/2016)
S.No. New V MN
Service
1. 0 9015 483 483
To Enquire the Balance
2. 0 9015 734 734
To Enquire the last 5 Transactions
3. 0 9015 613 613
To Enquire the last 5 Transactions in Hindi
4. 0 9015 637 637
Home Loan Enquiry
5. 0 9015 642 642
Car Loan Enquiry
6. 0 9015 257 257
Home Loan for HNI Customers
7. 0 9015 778 668
Home Loan for NRI Customers
Submission of NEW Form 15G/15H Modified Procedure ( Cir 550/2015 )
Hitherto, Branches are obtaining Form15G/15H in triplicate.
New procedure for obtention of 15G and 15H and marking of waiver in CBS.
1. Formats of Form 15G/15H are modified. The new formats are given in the annexure I
and II.
The new modified forms are to be obtained with effect from 1st October 2015.
2. Declaration by person claiming receipt of certain incomes without deduction of tax
can submit in the New forms 15G/15H in any of the following manners:
Canara Bank
In paper form
Electronically in accordance with the procedures which will be informed after
notification. Till such time, Form 15G/H to be obtained in paper form.
3. Branches have to allot a Unique Identification Number to each declaration during
every quarter and furnish the particulars of declaration received during any quarter
along with unique identification number allotted to Income Tax authorities in their
Quarterly return.Here after, declarations obtained should not be submitted to the IT
authorities but to be preserved for 7 years from at the end of financial year in which
declaration 15G/15H received. Income Tax authorities may call for these declarations
for verification by quoting the Unique Identification Number. Separate serial of Unique
Identification Number (UIN) are to be given for Form 15G and Form 15H.System
generated Unique Identification Number will be enabled, shortly. Till such time Branches
have to allot serial number in the DPCDQQYYFXXXXX format. Here DPCD is 4 digit DP
Code of the branch, QQ is Q1/Q2/Q3/Q4, YY is financial year, F is G or H (G is for form
15G and H is for Form 15H) and XXXXX is 5 digit serial number starting with 00001.
For example, the DP Code of the branch is 0413 and the Quarter is second quarter of
the financial year 2015-16 during which customer has submitted for 15G and the serial
number is 00001. Then the unique identification number will be 0413Q215G000001.
Electronic submission of Form 15G/15H will be enabled by our DIT in due course after
notification of procedure by the CBDT. The modified formats are available in the
Business Objects under Report No 170088 for 15G and 170089 for 15H. The extraction
of details of form 15G and 15H and UIN etc., will be done centrally for each TAN.
15G/15H records are valid only when actually obtained and fed in CBS.
Submission of Form 14 by the family pensioner after the death of the
pensioner ( Cir 581/2015 )
In case if the pension is not credited to the joint account of the pensioner and his/her
spouse, Form 14 will be continued to be obtained by the banks. However, the condition
of attestation of Form 14 has been done away with and witnessing by two persons has
been considered as sufficient.
Complaint Register / Complaint Box ( Cir 588/2015 )
Complaint box and a Complaint Register to be maintained at all our branches.
Whenever the customers have any grievances, generally they approach the branches to
redress their queries. The complaint letter given by the customers are to be registered
in the register. The acknowledgement has to be given by the branch to the customer
with the inward number of the complaint. After the complaint is received by the branch
may redress the same at their level. In case if the same has to be referred to Circle /
HO, the complaint can be scanned and sent to customer service section, Circle and
Customer Service Section, Head Office (hocss1@canarabank.com ) for doing the
needful. The complaints are to be registered in the portal called CPGRS (Canara Public
Grievance Redressal System). The details of the CPGRS are furnished in Annexure I.
The format of the complaint register is furnished in Annexure-II. The Circle may call for
the details of the complaints on a monthly basis in the format furnished in Annexure-III.
After the receipt of the complaint, the Circle may verify the same in CPGRS. If the
branches are not reporting the complaints in CPGRS, the circle may guide the branches
Canara Bank
to do so. Otherwise, CSS, CO may register these complaints in CPGRS as if the

physical copy of the complaints is obtained at this level. Our efforts should be to ensure
that no complaint received at the branches in the form of a letter etc., are left unnoticed.
Similarly, the complaint box has to be seen every day and if letters are dropped in the
Complaint Box, the same has to be registered in complaint register at the branches and
these are to be treated and handled at par with any other complaints. It is an obligatory
that that the records relating to number of complaints received at branches and circle
offices is to be maintained from the view of Right to Information (RTI) Act also.
Revision of service charges for certain non credit/ non-forex related services (
Cir 611/2015)
Increase in maximum ceiling of cash handling charges to Rs. 5,000/- per
transactions.
Free locker operations reduced to 12 p.a and charges beyond 12 operations
increased to Rs. 100/- per additional operations plus applicable tax.
Penal service charges for delayed remittances of locker rentals as a percentage
to locker rentals for the period od delay.
For SB/CA charges for failed standing instructions due to insufficient funds
increased to Rs. 100/- per transactions for non-individuals and Rs. 60/- per
transaction for individuals.
Increase in postal tariff-Ordinary post Rs. 15/- per envelop and registered post
Rs. 40/- per envelop or actual whichever is higher.
Revision effective from 01-02-2016.
CROSS SELLING/ THIRD PARTY PRODUCTS

FOCUS ON 3RD PARTY PRODUCTS
100% Branch Activation for all third party products.
100% coverage of Insurable assets with United India Insurance Co. Ltd.
Organizing EXPOs at Industrial Tech Parks / Estates & SEZs to generate leads for general insurance and
other Third party products.
Observing Help our Customer Day on 5th of every month with an objective to cover at least one family
per branch with Health Insurance on that day.
Achievement of all Third Party year end Targets to augment our Feed Based Income. Target HNI,
Upper Middle Class and Tech Savvy clients for aggressively marketing of Demat/ OLT
BANCASSURANCE
SOCIAL SECURITY SCHEME (3S)
PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA ( Cir: 214/2015 )

Life insurance cover for death due to any reason; One year cover, renewable from year to
year; Offered / administered through LIC and other Life Insurance companies
Scope of coverage: Savings bank account holders (through one savings bank account
only); Age 18 to 50 years; Aadhar would be the primary KYC
Benefits: Rs.2 lakhs is payable on members death due to any reason
Premium: Rs.330/- per annum per member;Auto debit facility
Termination of assurance: On attaining age 55 years (age near birth day) subject to annual
renewal up to that date (entry, however, will not be possible beyond the age of 50 years).
Canara Bank
PRADHAN MANTRI SURAKSHA BIMA YOJANA - Cir:215/2014

Accident Insurance Scheme-offering accidental death and disability cover for death or
disability on account of an accident; One year cover, renewable from year to year
Scope of coverage: All savings bank account holders (through one savings bank account only);
age 18 to 70 years ; Aadhar would be the primary KYC
Premium: Rs.12/- per annum per member; Auto debit facility Benefits.
Table of Benefits
Sum Insured
a . Death
Rs. 2 Lakh
b . Total and irrecoverable loss of both eyes or loss Rs. 2 Lakh
of use of both hands or feet or loss of sight of
one eye and loss of use of hand or foot
c . Total and irrecoverable loss of sight of one eye
Rs. 1 Lakh
or loss of use of one hand or foot
Termination of cover: On attaining age 70 years (age nearest birth day).
ATAL PENSION YOJANA -Cir 216/2015

Social security to the UNORGANIZED SECTOR WORKERS
Government of India Scheme; Administered by PFRDA; NSDL would act as CRA ;

Institutional framework of NPS for enrolling the subscribers
Auto debit facility to accounts
Commencement of the scheme will be 1st June 2015
ELIGIBILITY :Bank account holders, who are not members of any statutory social security scheme ;
Mainly targeted at unorganized sector workers, traders, self employed, agriculturists ; The existing
subscribers of Swavalamban Scheme would be automatically migrated to Atal Pension Yojana,
unless they opt out; Age: Minimum age while joining is 18 years; Maximum is 40 years
PERIOD OF CONTRIBUTION: Pension payment commences at the age of 60 years;
Minimum period of contribution is 20 years or more
CO-CONTRIBUTION BY THE GOVERNMENT TO EACH SUBSCRIBER: 50% of subscribers
contribution or Rs.1,000 per annum, which ever is lower ;The pre-conditions for co-contribution
are that the subscriber should join the NPS Scheme before 31st Dec 2015 and that the subscriber
is not a Income Tax payer
The benefit of fixed pension is guaranteed by the Government
CANARA HSBC ORIENTAL BANK OF COMMERCE LIFE INSURANCE

SMART LIFE LONG (WHOLE LIFE)
Age of entry- Min 7 yrs max-65; Age of maturity: at policy anniversary immediately after life assureds
99th bday.; policy term: up till age 99; premium paying term: min 10yrs max upto age 99 yrs; Mode:
monthly/annual; Annualised premium: Montly-Rs 3000p.m;annual-25000p.a;Min sum assured- age of
entry<45-0.5XTX Annualised Premium; Age of entry>=45:- 7 times Annualised premium (T=70-entry
age); Death benefit: FV or SA(Higher value); Maturity Value- Fund value; Tax advantageon premium
paid and benefit received
SMART GOALS (ENDOWMENT PLAN)
Canara Bank
Age of entry- Min 8 yrs max-64; Age of maturity:Option1- min 10 yrs , max 74 yrs; Option 2-min 23 yrs, max79
yrs; Policy term:Option 1- 10 yrs fixed; Option2-15,20,25 yrs; Mode: monthly/annual; Annualised
premium:Option1- Monthly mode: Rs 5000p.m;Annual mode- Rs 50000p.a.; Option 2- monthly mode- Rs
3000p.m;annual mode-RS 25000p.a.;Min sum assured- age of entry<45- 10 times Annualised Premium or
0.5XTXAnnualised premium whichever is high; for Age of entry>=45:- 7 times Annualised premium (T=Policy
term); Death benefit: FV or SA(Higher value); Maturity Value- Fund value; Tax advantageon premium paid and
benefit received
SMART MONTHLY INCOME PLAN

A Traditional Plan providing Life cover for 25 years by paying premiums for 15 years only.;
Guaranteed Monthly Income for 15 years, starting 11th year onwards.; Loan facility available to
meet emergent needs.; Set-off facility to adjust premiums from income receivable during 11th to
15th year.; Get tax free gteed monthly income for 15 yrs. Min monthly income is Rs 2000 (x100
thereafter); Age of entry- Min18 yrs max-55 yrs; Age of maturity:Max 80 yrs; Policy term:25 yrs;
Mode: monthly/annual (only thru SI/ECS); Annualised premium:based on monthly income,
Premium frequency and age;.;Min sum assured- Rs 2 lacs ;SA is 100 times the choosen montly
income;
FUTURE SMART (CHILD PLAN)
Triple benefit: Insurance amt at death, Future premium waived, Final maturity paid to beneficiary; Age of
entry- Min 18 yrs max-60 yrs; Age of maturity:max 70 yrs; policy term: 10yrs/15 yrs/ 20 yrs/25 yrs
,limited pay option available for 15 yrs/20 yrs/25 yrs; Premium paying term:Regular-10yrs/15 yrs/20
yrs/25 yrs, limited pay- 10 yrs to regular; Mode: Annual; Annualised premium:Min 50000 for 10 yrs PPT
and Term 25000/-, for rest of the terms max- No limit; Min sum assured- age <45 yrs :-10*AP age >=45
-7*AP; Death benefit: Future premium paid by the co+ SA; Maturity Value- FV.
SHUBHLABH
Py premium just once and get insurance cover for at least 5 yrs or more; Age of entry- Min 7 yrs max70 yrs; Age of maturity:Max 80 yrs; Policy term: 5 yrs to 40 yrs; Premium paying term: Single; Mode:
One time; Annualised premium:Min 3 lacs max no limit;Min sum assured- age <45-125%*SP,
Age>+45:-110%*SP; Death benefit: FV or SA(Higher value); Maturity Value- Fund value;
SMART STAGE MONEY BACK PLAN(SSMB)

1.A Traditional Plan providing Life cover for 15 years by paying premiums for 11 years only.
2.Option to pay the premium in annual or monthly mode Guaranteed Money Back payouts of 15% of
Sum Assured at the end of 4th, 8th & 12th Policy year. Guaranteed Maturity benefits after 15 years
55% of the Sum Assured + accumulated annual bonuses along with Final Bonus.
3.SSMB is a win-win product - Customer gets guaranteed Money Back + Life Cover and
Bank earns higher commission (23.5%) on every SSMB sourced.
4.Age of entry: Min 8 yrs Max 55 yrs; Age at Maturity- M
LIFE
INSURANCE
COVER
FOR OUR
HOME LOANLOAN
LIFE
INSURANCE
GROUP
SECURE
- EDUCATION
Persons Covered
New Individual Home Loan Borrowers of Canara
Bank; Joint
Boirrower
Cir: 515/2013
Max of 3 is
joint
borrowersdesigned
may be allowed
Group Secure Educationcoverage;
Loan proposition
exclusively
for the Education Loan
18 years
(aspropositions
on last birthday);
years (as on last
borrowers of Canara Minimum:
Bank. The unique
selling
of this Maximum:
plan are as64
mentioned
Age
At Entry
birthday); For premium calculation, age is taken as on the membership form date.; Minimum & Maximum
below;
Age boundaries
shall beasbased
age calculation
logic and as
per Canaraat
bank
home loan product
boundaries
Reducing cover: Sum Assured
reduces
peronloan
amortization
schedule
inception
of cover
Joint Borrower coverage: Two lives Parent and child can be covered Three lives Both
Maximum
Cover
69 be
years
(as on last birthday). Cover will cease on attaining 70th birthday.
parents and child can also
covered
Age
(Insurance cover ceasing age is equivalentto max. loan repayment age)
Premium Mode
Single Premium
Term Of Cover
Sum Assured
Min Cover term 2 years; Max- 30 yrs (st age 69 yrs)

Minimum: Rs. 10,000/-; Maximum: No Limit (for Death and TDP option
Canara Bank
Sum Assured up to 120% of loan; Moratorium Period: Coverage will be provided during
moratorium period with interest accumulation
Age at Entry :12 to 64 years
Cover Term : 1 to 15 Years (subject to maximum cover age of 69 years)
Sum Assured: Minimum Rs 10,000
Maximum Rs 50 Lac
Premium Payment: Single premium only. Premium can be financed by the bank
Risk Coverage: Death of the borrower
FOCUS FEE INCOME-STRATEGIES
PCBs/VLBs need to focus more on generating fee income-LC/BG

Focus on LC & BG (non-fund business)
Augment Tax collection.
Recovering arrears of lockers & minimizing Vacancies.
New PPF and Pensioners accounts to grow.
Marketing and cross-selling of all products- 4 products per client
Involve all staff members in effective cross selling.
Rationalize recommendation for concession in RoI & Charges
Leakage in fee income to be plugged
SAMPOORNA KAVACH PLAN (SKP) OF CANARA HSBC OBC LIF E INSURNACE

COMPANY.
Micro Insurance Product Sampoorna Kavach Plan for Group Members and BSBD ( No Frill
Accounts) holders of all the branches
Sum assured Rs 50000 with effect from 07th October 2015 (478/2015)
The premium payable by each member is Rs.100/- P.A.
Age at entry - Minimum of 18 Yrs Maximum 59 Yrs.

Maximum cover age 60 years ( as on last birthday).
The Scheme covers only natural death and death due to accident
Pradhan Mantri Jeevan Jyothi Bima Yojana (PMJJBY) covers the persons in the age group
of 18-50 years. Branches may mobilize SKP policies from the above age group with a
special focus on customers between 50-59 years.
CANARA NISHCHINT EK RHIN SURAKSHA YOJANA

A new Life Insurance Group Secure Scheme for Personal Loan borrowers
Ref: Cir: 227/2014
PERSONS / LOANS COVERED: Canara Consumer Loan, Canara Budget & Teachers Loan
borrowers are eligible to be covered under this new Group Secure Scheme.
Customers availing Personal Loans for meeting the medical expenses for own health are
not eligible for cover under this Scheme.
In case of joint loan borrowers, the primary borrower will be covered.
The Key Benefits of this Scheme are
Single Premium only. Premium rate is age-specific. Minimum premium per member is
Canara Bank
INR 100 exclusive of taxes.

Reducing Cover.: Sum assured at the time of death, as per the defined schedule
specified at the outset in the certificate of insurance
Surrender Value payable in case of Closure / Pre-closure of the loan.
Sum Assured from Rs. 10,000/- to Rs. 10,00,000/The burden of loan liability is not passed on to the dependent family members and also insulates
the Bank from any loss, due to happening of any unfortunate event to the loan borrower.
MINIMUM GROUP SIZE: 50 members at Master policy issuance stage
AGE AT ENTRY: Minimum: 18 years as on last birthday (LBD); Maximum: 64 years as
on last birthday
MAXIMUM COVER AGE: 69 years (as on last birthday) If (maximum cover age age at
entry of borrower) < Loan Term, such borrower cannot be enrolled under the plan.
Minimum Cover Term: 2 years; Maximum cover term (subject to maximum cover age
being 69 years l.b.d): 10 years Cover Term = Repayment Period (subject to above
limits)
Micro Insurance Product Sampoorna Kavach Plan for Group Members and BSBD ( No Frill
Accounts) holders of all the branches
Sum assured Rs 50000 with effect from 07th October 2015 (478/2015)
The premium payable by each member is Rs.100/- P.A.
Age at entry - Minimum of 18 Yrs Maximum 59 Yrs.
Maximum cover age 60 years ( as on last birthday).
The Scheme covers only natural death and death due to accident
Pradhan Mantri Jeevan Jyothi Bima Yojana (PMJJBY) covers the persons in the age group
of 18-50 years. Branches may mobilize SKP policies from the above age group with a
special focus on customers between 50-59 years.
CANARA NISHCHINT EK RHIN SURAKSHA YOJANA

A new Life Insurance Group Secure Scheme for Personal Loan borrowers
Ref: Cir: 227/2014
PERSONS / LOANS COVERED: Canara Consumer Loan, Canara Budget & Teachers Loan
borrowers are eligible to be covered under this new Group Secure Scheme.
Customers availing Personal Loans for meeting the medical expenses for own health are
not eligible for cover under this Scheme.
In case of joint loan borrowers, the primary borrower will be covered.
The Key Benefits of this Scheme are
Single Premium only. Premium rate is age-specific. Minimum premium per member is
INR 100 exclusive of taxes.
Reducing Cover.: Sum assured at the time of death, as per the defined schedule
specified at the outset in the certificate of insurance
Surrender Value payable in case of Closure / Pre-closure of the loan.
Sum Assured from Rs. 10,000/- to Rs. 10,00,000/The burden of loan liability is not passed on to the dependent family members and also insulates
the Bank from any loss, due to happening of any unfortunate event to the loan borrower.
MINIMUM GROUP SIZE: 50 members at Master policy issuance stage
AGE AT ENTRY: Minimum: 18 years as on last birthday (LBD); Maximum: 64 years as
Canara Bank
on last birthday
MAXIMUM COVER AGE: 69 years (as on last birthday) If (maximum cover age age at
entry of borrower) < Loan Term, such borrower cannot be enrolled under the plan.
Minimum Cover Term: 2 years; Maximum cover term (subject to maximum cover age
being 69 years l.b.d): 10 years Cover Term = Repayment Period (subject to above
limits)
HEALTH INSURANCE
CANARA MEDICLAIM
Group Mediclaim Floater cum Personal Accident Policy issued by United India Insurance Company Limited
specifically designed for the accountholders
Features Of The
Schme
Floater Policy
Types of Plans
Persons Covered
Relaxations
Requirement Of
Medical Check-Up
Sum Insured
Expenses Covered
Cashless Services
To meet the hospitalisation expenses; Built-in Personal Accident Cover; policy

would be a floater policy ; The premium paid towards Canara Mediclaim
is eli ible for relief under Section 80D of Income Tax Act 1961.
Any one member or all the members put together can avail
hospitalization benefits during the policy period up to the sum insured
Plan A (1+3) covering four persons in a single policy viz. the account holder, the
spouse and two dependent children.
Plan B (1+5) the cover is extended to dependent parents or parents in law in
addition to account holder, spouse and two dependent children.
Plan C (1+3) exclusively for Customers aged up to 35 yrs - the account holder,
the spouse and two dependent children.
Persons to be covered should be in the age group of 5 to 80 years.
Children in the age of above 3 months to below 5 years can also be
covered provided one or both parents are covered concurrently.
Life long renewals permitted.
No medical check up is required, if all the family members are aged
below 66 yrs at the time of availing the policy.
Minimum Rs.1,00,000/- (increased from Rs.50,000 earlier) to Maximum
Rs.10 Lacs (Increased from Rs.5,00,000/- earlier).
Dependent Male child covered upto 26 years (if he is a bona fide fulltime
student & non earning) as against earlier limit of 21 years. Female child is
covered till Marriage or employment whichever is earlier ( age no restriction)
Ambulance charges increased to Rs. 2000/- as against Rs. 1000/- earlier.
The customer can avail benefit of cashless services in networked hospitals of
Third Party Administrator (TPA) anywhere in India.
The Policy covers certain specified expenses of hospitalization on
account of illness/diseases contracted or injury sustained.
The customer can
avail benefit of cashless
services in networked
hospitals of Third Party Administrator (TPA) anywhere in India
The customer can also take treatment in hospital/nursing home of
his/her own choice and claim reimbursement from TPA.
Cash-less medical treatment and helpful during emergency
Canara Bank
Pre-Existing
Diseases
Premium Details
Commission
Reference
Pre-existing diseases would be covered from the fourth year onwards

subject to certain conditions.
Premium based on the sum assured ranging
Minimum Rs.1,00,000/
(increased from Rs.50,000 earlier) to Maximum Rs.10 Lacs (Increased from
Rs.5,00,000/- earlier).
The commission earned is Non- interest Income to the Bank
HO Cir: 277/2015
CANARA BANK GROUP HEALTH INSURANCE PRODUCT EASY HEALTH OF

APOLLO MUNICH HEALTH INSURANCE (AMHI)
Product description: This product is a group health insurance offering to the customers of Canara Bank.
o
o
o
It offers indemnity based coverage for In-patient hospitalization as explained below, with varied plan
options like critical illness upto Rs.50,000/- & personal accident cover upto Rs.100,000/Target group: Entry Age from 91 days to 69years.( 488/2014)
Distribution: Group health insurance with optional critical illness & personal accident benefit
for our customers
Duration: The proposed duration of the cover will be 12 months for every insured member in the
group (non co-terminus policy)
Sum Insured: Health Insurance Sum insured of Rs.50,000/-, Rs.100,000/- and Rs.200,000/- to the
Individual
Family including self + spouse + up to 4 children (floater policy)
Either set of self or spouses parents in a single policy (floater policy)
Benefits
o
o
o
Hospitalization Insurance Rs.50,000/-, Rs.100,000/- and Rs.200,000/

In-Patient Treatment Upto Sum insured
Pre/Post-Hospitalization 60/90days respectively
o
Day Care Procedures Coverage for 140
enlisted Day Care Procedure Optional benefits:
Critical illness insurance

o
Critical Illness ( Indemnity based) Additional increase of Rs 50,000 on Sum Insured
Personal Accident cover: The personal accident cover for Rs.100,000/- for every insured
member in the policy
Additional benefits under health insurance:

o
o
o
o
Additional coverage for organ transplant upto hospitalization sum insured

Emergency ambulance upto Rs.2000/- per hospitalization
Domiciliary expenses upto hospitalization sum insured
Daily cash of Rs.500/- for twin sharing accommodation / for accompanying insured child,
o Annual health checkup upto Rs.1000/- (For SI of Rs.50,000), Rs.1500/- (For SI of Rs.1
lac) and Rs.2000/- (For SI of Rs.2lacs)
Ayush treatment (like Unani, Ayurveda & HomeopathY
etc.) upto 5% of hospitalization sum insured Product
Canara Bank
Features
This policy covers persons in the age group 91 days to 69 years. The maximum entry age is
restricted upto 69 years with no maximum cover ceasing age.
o Dependent children between 91 days and 25 years can be insured (Children between 91 days
to 5 years can be covered only if either parent is covered under the policy)
o In case of a family opting for individual policies, the sum insured for dependents
shall not be more than that of the primary insured.
o
Product offered on voluntary
basis. Reference: Cir- 521/2013, 315/2014,
488/2014
o
IBA MEDICAL INSURANCE SCHEME FOR THE RETIRED OFFICERS/EMPLOYEES
443 /2015
Aimed to cover the medical expenses of the retirees and his/her dependant spouse only.
One time option shall be extended to the retirees. Those retirees who do not opt
now, would not be allowed to join later.
Identity Card is proposed to be issued by United Indias Third Party Administrator
Sum Insured
Premium
Service Tax @ 14%

rounded to next rupee
Total Annual Premium

Including service Tax
Workmen
Rs.3.00 Lakhs
Rs.4930/-
Rs. 691/-
Rs.5621/-
Officers
Rs.4.00 Lakhs
s.6573/-
Rs.921/-
Rs.7494/-
Cadre
RECALLED & EXPECTED QUESTION BANK

1. UNDER OMBUDSMANS PARTY ON RECEIVING THE AWARD CAN APPEAL
TO THE APPELLATE AUTHORITY IN HOW MANY DAYS 30DAYS
2. CPPC STANDS FOR : CENTRAL PENSION PROCESSING CELL
3. TDS DEDUCTED FOR INTEREST AMT ABOVE RS 10,000/
4. CARE STANDS FOR: CREDIT ANALYSIS & RESEARCH LTD
5. RBI HAS ADVISED BANKS TO ENSURE THAT DD'S TO BE ISSUED
INVARIABLY WITH AC PAYEE CROSSING FOR RS 20,000 & ABOVE
6. RBI AT WHICH RATE PURCHASES OR REDISCOUNTS B/E OR OTHER CP
BANK RATE (7.75%)
7. WHEN IS CUSTOMER DAY CELEBRATED: 15th of Each Month
8. PRESENT SLR : 21.5%
9. RBI HAS ADVISED BANKS TO ENSURE THAT DD'S TO BE ISSUED
INVARIABLY WITH AC PAYEE CROSSING FOR RS 20,000 & ABOVE
10. FOR LOCKER RENT AND BREAK OPEN CHS TAKEN AS SECURITY- 3YRS
RENT
11. CRR IS CALCULATED ON NET DEMAND & TIME LIAB, CRR- 4%
12. FOR INJECTION OF LIQUIDITY TXN DONE BY RBI REPO RATE 6.75%
Canara Bank
( REVERSE REPO RATE 5.75% )

13. NO OF DIGITS IN AADHAR : 12
14. FAMILY INCOME OF BORROWER FOR DRI IN URBAN AREAS?: Rs.
24000.00 ( Rural : Rs. 18000.00)
15. DEATH CLAIM SETTLEMENT IN HOW MANY DAYS?: 15 DAYS
16. HOUSING LOAN AMT FOR OFFICERS?: Rs. 50.0 lacs
17. OFFICIAL LANGUAGE ACT? : 1963
18. HINDI ACCEPTED AS OFFICIAL LANGUAGE ON? : 14.09.1949
19. CANARA BANK WEBSITE FOR PUBLIC INFO, BANKING FACILITIES?:
www.canarabank.com
20. NUMBER MENTIONED ON THE CHEQUE FOR SAVING A/C BESIDES MICR?
10
21. WHEN NO TIME OR DATE IS MENTIONED ON BILL OF EXCHANGE, WHEN
IT WILL BE PAYABLE: ON DEMAND
22. IN A CHEQUE WHEN THE AMOUNT WRITTEN IN WORDSAND FIGURES
DIFFER WHICH WILL HOLD GOOD ? :AMOUNT WRITTEN IN WORDS
23. KYC DETAILS CIM 50..IDENTIFICATION ADDRESS PROOF CENSUS CODE
OF CUSTOMER
24. CANARA BANK HAS TIE UP WITH UNITED INDIA INSURNCE CO LTD for
general insurance purpose
25. HINDI PAKHWARA (HINDI FORTNIGHT) CELEBRATED FROM ? : 01st Sept. to
15th Sept. 2015
26. HOW MANY MEMBERS FROM LOK SABHA THERE IN THE OFFICIAL
LANGUAGE PARLIAMENTARY COMMITTEE: 20 members from lok sabha ( out
of 30 members committee of Parliament 10 from Rajya Sabha )
27. OFFICIAL LANGUAGE APPLICABLE TO ALL STATES AND UNION
TERRITORIES EXCEPT --- TAMILNADU
28. PERIODICITY OF OFFICIAL LANGUAGE MEETINGS --- QUARTERLY
29. AS PER RTI ACT IN HOW MUCH TIME INFORMATION TO BE GIVEN TO
CUSTOMER 30 DAYS
30. PERIODICITY OF OFFICIAL LANGUAGE MEETINGS --- QUARTERLY

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Canara Bank

Staff Training college , Bangalore

Workmen Employee : Implementation of 10th bipartite settlement dated 25.05.2015(Cir

RELIEF UNDER SECTION 89(1) - TREATMENT ON ARREARS OF SALARY PAID

Family include spouse, wholly dependent unmarried children, wholly dependent

Enhancement in Rental ceiling ( Cir 340/2015 )

HA For workman / sub staff :

HALTING ALLOWANCE ON TRANSFER: (if quarters /own house not available at

Scale I Officers, Second Line Managers/SMs: 4 days.

Cashless Facility for Hospitalisation to our Employees (Cir 87/2011)

MEMENTOS TO RETIRING EMPLOYEES ON SUPERANNUTION(Cir 350/2011) Bank

3.Disability in Rest of India : NA / NA/ Rs 0.50/ Rs 1.00 / Rs 2.00/Rs 2.00 Lacs

Hospitalisation would mean admission in a hospital / nursing

benefit allowable under this clause will be upto Rs.50,000/- for

INSURANCE COMPANY/ THIRD PARTY ADMINISTRATOR (TPA):

Defined Contributory Pension Scheme(Cir 128/2013)

employees. Subscribers will be free to

CANARA CARE HOME(Cir 305/2013, 609/2013)

Alowance Per month ( Maximum)

TEG Scale- VII

Certified Copy of Complaint and First Information Report lodged with

Staff Meeting: (Cir no.224/04, 75/2005, 217/2007,136/2012 ,183/2014 )

QC team can ideally have 5-7 members.

Employees Suggestion Scheme: (Cir no.14/2004, 233/2010)

Group I Certificate / Diploma Courses

Incentive of `5000/- for completing PG Diploma in Financial Advising and

award of `2500/- will be paid to the employees on successful

Rs. 2,000/- as Incentive

On completion of any one subject under Specialized Course

Rs. 3,000/- as Incentive

wise ceiling of Maximum Amount, mentioned as below, will be payable.

OTHER THAN BRANCH HEAD

MMG SCALE III

~ Direct recruit during Probation - PO scale -1 : Rs 3000/- ,

financial matters, with the media, investors and analysts.

Scale-VI & VII

Amendment to the Schedule to the Canara Bank Officer

Disciplinary Authority-DA: AGM or In his absence DGM

Reviewing Authority: GM, HO or in case he is functioning as Appellate Authority, ED

News Paper Reimbursement: (Cir.325/2011, 591/2015)

The reimbursement of expenses towards newspaper subscription shall be against

Definition of family: (medical facilities & LFC purposes)

Officers in JMG & MMG Scales28000/-p.a.

For workmen/ Sub-staff Rs.2200/-p.a

An officer in Middle Management Grade is entitled to travel by 1stClass or AC 2-tier

`500001 and above - `10,000/- + App. Letter by

Same above for culprits caught in the branch

Clerks/Special Assistants 1,50,000/-

Evaluation pattern for Budgetary

Evaluation pattern for Non-Budgetary

The marks awarded/rating matrix under each parameter is as follows :

Rating will be communicated to employee in all cases.

Sabbatical Leave Scheme (Box Item 92/2006, 235/2000, 20/2000,157/2012)

Canara Bank Blue

38 In case of Casual Leave & Privilege leave upto 3 times,

Acceptance of Gifts : (Canara Bank Officer Employees (Conduct) Regulations 1976)

Movable, Immovable and Valuable Property: (Cir.124/1993, 61/2004):

`10,000/- and Above upto `25,000/- (even if the amount is recovered)

Immediately on discharge and on submission of the bills as per the procedure

Reimbursement will be calculated at the rate of Rs. 7.00 per K.m

Sub Staff & HKPs

Conveyance allowance to deaf and dumb employees (349/2014 )