Digital Banking Book

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DIGITAL BANKING
(A QUICK BOOK FOR COMPUTER LITERACY TEST )
Compiled by
Sanjay Kumar Trivedy
Divisional Manager, Canara Bank, Regional Office, Nagpur-1 (Maharashtra)
Preface
Dear friends,
It is with a sense of great de light that I am presenting this book “DIGITAL BANKING” – A Quick Book on
Computer Literacy with latest updation upto 18.11.2021 has many unique features to its credit &
consists of all topics re quired for day today Banking and Knowledge based Examinations related to banking
with clear concept & simple language with subject wise such as RTGS / NEFT, NEPAL Remittances,
Terminology, MTSS, NPCI,PPI, MICR,IFSC, UTR,AEPS, SWIFT,SFMS,Cards – Debit / Credit / Intl Prepaid
cards & various Cards, Basic of computer, Internet/ Mobile banking, UPI – empower, BHIM,Canara Diya,
our all Technological Products etc. with previous year recalled questions and multiple choice question
bank at the end based on these latest changes as per latest Circulars. The book is prepared based on last
more than 24 years of experience and pattern of questions asked in the examination.
Our Bank, with a legacy spanning more than 115 years, has contributed to the growth of Indian Economy
in a remarkable manner. This achievement could have been possible only with the c ontribution of a
dedicated and knowledgeable workforce . Indian Banking is in its most exciting phases. The impact of
liberalization has been wide spread and has thrown up both challenges and opportunities for bankers.
Ever increasing competition is a part of professional life and the banker who is ahead of his peers in
terms of knowledge skill, technology and quick response will be the winner. Banking/Financial sector in
our country is witnessing a sea change and banker’s business has become more complex & difficult in
this driven era of knowledge & technology.
An official working in the Banking sect or has to keep pace with Updated knowledge, skills & attitude, as
the same is required everywhere. Employees play vital role in Banking/service organizations an d they
need to be transformed into Knowledge Assets to remain competitive in the dynamic environ ment and it
is more so with Banks as they are very service sensitive. Thus it is imperative for the bank staff to serve
the clientele with updated information o f bank's products & services to accomplish corporate
objectives.
During preparation of this book, I received tremendous support and in spirations from colleagues &
Friends, specially from Our AF &PS Section, Manager Mr. Bhushan Bhatkar and SWOA, Mr Ameya
Poharkar, Regional Office, Nagpur-1.
All possible care is taken to provide error free information, however, readers may note that the
information given herein is merely for guidance/reference and they need to refer the relevant circulars
& Manuals for full details.
I solicit your views on the content and quality of the topics for further improvement.I wishes all the
best to the readers of this book.
Date: 03.12.2021 Sanjay Kumar Trivedy
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Canara Bank, Regional Office, Nagpur -1 1|P a g e
About the Author
Mr. Sanjay Kumar Trivedy (Native: Motihari, Bihar), Presently working as Divisional Manager, Regional
Office, Nagpur-1 under Pune Circle, Maharashtra state. He Joined Canara Bank as DRO/PO (AEO) on
10.03.1997 and and worked in various places, starting f rom Maujgarh branch (1997 -2000), Near
Abohar(Punjab), Sirsa Main - Haryana (2000-2004), BMC, Jalandhar (2004 -2006) Toiladungari, Sakch i,
Jamshedpur(2006-2009), Jhalak near Chaibasa (2009 -2011), J B Nagar, Andheri East , Mumbai ( 2011-2013)
and then Faculty as well as College in charge ( Principal ) in Regional Staff Training College, Mumbai
(2013-2016), Govt.Link Cell, Nagpur (01.05.2016 to 15.07.2017), Itwari Bra nch, Nagpur ( 17.07.2017 to
15.09.2017 ), Shrigonda Branch (16.09.2017 to 07.07.2018), Chatigali , Solapur ( 08.07.2018 to
27.05.2019), Gandhinagar,Nagpur (28.05.2019 to 03.07.2021) and then Regional office, Nagpur -1 (Since
05.07.2021 ….). He won more than 253 awards in various fields of Banking by his Bank – Canara Bank,
which includes twice gold coin for CASA mobilization. Recently, he got best Branch incharge award of
Pune Circle from MD& CEO on 03.07.2021 for his performance d uring 2020-2021 at Gandhinagar
branch, Nagpur. His best achievement was as an officer/A EO, he converted his Section: Agril Finance
into Hi-tech Agril. Branch at BMC, Jalandhar and while working in Jhalak branch near Chaibasa
(Jharkhand), won twice best Rural banker award from NABARD during 2009-10 &2010-11 in SHG credit
linkage & Farmers Club Formation. During this journey started from 1997 to till date he worked in almost
all facets/area of Banking.
Mr. Sanjay Kumar Trivedy is M.Sc. (Agril), CAIIB, PGDCA, MBA, MBA (Finance),Diploma (IIBF) in Rural
Banking, Treasury, Investment and Risk Mana gement, Commodity Derivatives for Bankers, Advanced
Wealth Management, Certificate (IIBF) in Trade Finance, Certificate in Anti -Money Laundering / Know
Your Customer, Certificate Examination in SME Finance for Bankers, Certificate Examination in Customer
Service & Banking Codes and Standards, Certificate Exa mination in CAIIB - Elective Subjects ( Retail
Banking & Human Resource Management) & Certificate Examination in Mic rofinance
Mr. Sanjay Kumar Trivedy has teaching experience of more than 20 years, from Sirsa Main Branch (2000 -
2004) , he started teaching to his colleagues/staff and in this long journey he has given good results both
in Promotion test as well as JAIIB /CAIIB examination. He has taken IIBF-JAIIB & CAIIB classes at Mumbai.
He has compiled/authored more than 20 books in last three years relat ed banking - JAIIB, CAIIB, Book on
Promotion Test ( all cadres), Interview , Drishti (Current Banking Topics –Interview book for Scale iv &
above), Group Discussion, Certificate course on Customer Servic e & BCSBI, AML& KYC, MSME Finance for
Bankers, Book on Abroad Posting, Confirmation Test for PO, Banking & Technology and many more books
on day today banking and many more in the offing.
Mr. Sanjay Kumar Trivedy is working in a mission mode to reduce kno wledge gap among bankers with
objective to provide educational support free of cost to all in general and bankers in particular with
objective to empower Banker colleagues specially young banker who join the bank in last more than one
decade for their better productivity, Sense of satisfaction, Customer deli ght with ultimate increase of
quality banking business for their organisations.
He can be contacted only through whatsapp no. : 9987519725
This book is dedicated to my Parents who always motivated me do your best for your world besides
your normal duty.
INDEX
SI. PageNo.
No CONTENTS
1. DIGITAL BANKING & ABC 04-09
2. OUR TECHNOLOGY PRODUCTS 10-19
3. CBS VERSION 11.8 20-23
4. LATEST CHANGES AS PER CIRCULARS 2021 23-26
5. PREVIOUS YEARS RECALLED QUESTIONS 27-37
Disclaimer
While every effort has been made by me to avoid errors or omissions in this publication, any error or
discrepancy noted may be brought to my notice through whatsapp no. 9987519725 or e-mail to
sktrivedycan@gmail.com which shall be taken care of in the subsequent editions. It is also suggested that to
clarify any doubt colleagues should cross-check the facts, laws and contents of this publication with original
Govt. / RBI / Manuals/Circulars/Notifications/Memo/Spl Comm. of our bank.
Arise, Awake and stop not till the goal is reached"... Swami Vivekananda
1. DIGITAL BANKING & ABC
COMMITTEES ON COMPUTERIZATION
Beginning with the year 1983, a no. of committees on computerization have been set up by RBI. The summary of
recommendations of these committees are given as under:
Rangarajan Committee (1983-lst committee) : Introduction of mechanization and computerization at branch, regional,
zonal and Head office level with a view to bring some level of positive change in functioning of banks. Model I of branch
mechanization by use of microprocessor based stand along ALPMs.Model 11 of branch mechanization by use of single
microprocessor based system of large capacity. Installation of mainframe and mini computers at controlling offices.
Rangarajan Committee (1988-2nd committee): Set the pace of competition amongst banks in use of computers. Full
computerization of 2500 branches at 30 high activity centres with daily vouchers up to 750. Branches to have mainframe
computers with required no. of online terminals. R0/20/HO to be computerized.Banks to get networked. New services
should be designed for better customer service. Staff training In computerization should be given priority.
Saraf Committee (1994): Remittance facility for customers called electronic funds transfer(EFT) and suitable legislation
on the pattern of EFT Act 1978 of US.Introduction of delivery vs payment (DVP) for reporting of Subsidiary General
Ledger (SGL) transactions in govt. securities. Use of NICNET for reporting of currency chest operations to obviate delays
in reporting. Use of NICNET for reporting govt. transactions for settlement purpose. Introduction of electronic clearing
service -(ECS) for electronic payment of dividend, interest payments In bulk. Cheque truncation system for cheques up to
Rs.5000. Physical reach of BANKNET to be extended to all centres, to Increase speed of transmission, extensive use of
RBINET.All banks/institutions authorized by RBI should join SWIFT and linking of A and B category branches to SWIFT
Shere Committee (1994) : Judicial combination of regulatory and contractual models for development of technology in
India. Introduction of a country-wide antra-bank funds transfer system. Introduction of more EFTS by banks. RBI's EFT to
be restricted to high value transactions under RIGS.
Vasudevan Committee (1998) : Communication infrastructure and use of INFINET (participating banks may create their
own networks and link their networks with INFINET).
Standardization and security (IDRBT may be apPointed as ' certification agency for security management). Outsourcing of
technology and services (banks may set up IT subsidiaries which should be closely connected , to technology solution
providers). Computerisation of govt. transactions (all branches doing govt. business should be computerized). Data
warehousing, data-mining and management information system.
1. IT support for Urban Cooperative Banks: R Gandhi
2. Technology Upgradation of RRBs: Shri G. Srinivasan
3. Working Group on Screen Based Trading in Govt Securities: Dr.R.H.Patil
4. Expert Group on Internet Deployment of Central Database Management System (CDBMS) Prof.A.Vaidyanathan
5. Cheque Truncation and E- cheques: Dr. Barman, ED
6. B Sambamurthy committee ( Director IDRBT ) : Technical committee on Mobile banking
7. Committee on Computer Audit: Shri A.L. Narasimhan
8. Committee on Payment Systems: Dr R H Path
9. Working Group on Electronic Money: Mr .Zarir J. Cama
10. Information systems audit policy for the banking and financial sector & ALSO EBT ( Electronic Benefit for Transfer
which facilitates payment to reach the intended beneficiaries og Govt. sponsored schemes through bank account ) :
Dr. R.B.Burman
11.Technical Group on Market Integrity: Shri C.R. Muralidharan
CHARACTERISTICS OF COMPUTERS
Speed, Versatility, Accuracy, Diligence, Memory, AutomationComputers manipulate data in many ways, and this manipulation is
called Processing Programs are loaded in to the Main Memory for processing The processor part of the computer is directly
invoked in executing the instructions of the computer program Processed data is known as information
DIFFERENT HARDWARE COMPONENTS OF COMPUTER
Physical structure of computer is called hardware, Hardware includes Monitor, Centra Processing Unit (CPU), Keyboard,
Mouse, Printer, Scanner and Modem (Modulator demodulator). (A modem is connected to a telephone/leasedline) In a
computer, most processing takes place in CPU A CPU contains control unit and an arithmetic logic unit The Processor and
memory are located on the mother board
INPUT/OUTPUT DEVICES
Central Processing Unit (CPU) Monitor Keyboard Mouse(BALL/OPTICAL) Printer (DOTMATRIX/LINE/INKJET/
LASER) Scanner
NETWORKING
Network is a combination of hardware and software that facilitates the sharing of information between computing devices.
LAN-LocalAreaNetwork refers to inter-connection of Computers with in a building or a small geographic location WAN
Wide Area Network refers to LANS, which are scattered geographically on a large scale MAN –Metropolitan Area Network.
Wherever networks are not possible, our bank has gone for satellite connections called as VSAT (Very Small Aperture
Terminal). VPN –Virtual Private Network
A computer in a network is identified by IP Address
STORAGEDEVIES Floppy,Digital ,Tapes Compact Discs (CD) Digital Versatile Disks (DVD),
Storage devices that can be connected through USB (Universal Serial Bus) port like Pen Drive/ external
Hard Disk (USB ports are also used to connect Mouse and Keyboards)
COMPUTER PROGRAMMES/ SOFTWARE

SOFTWARE refers to programs used in computer
The instructions that tell a computer how to carry out the processing tasks are referred to as Computer programs.
Data becomes information when it is presented in a format that people can understand and use.
SYSTEM PROGRAMMES
OS - Operating System, Operating Systems - DOS, WINDOWS, UNIX, LINUX, Novell Netware etc The functions of an operating
system- Allocates resources/Monitors Activities/ Manages disks and files The primary function of the BIOS is to setup the
hardware and load and start an operating system
APPLICATION PROGRAMMES
Programs designed to perform specific tasks is known as Application Software Software used by Bank-example-ALPM/IB`BS
/BANCS2000/CBSetc Word processing, spread sheets and photo editors are examples of Application Software
SERVER- Server is a computer program running to serve there quests of clients. Thus, the
"server" performs some computational task on behalf of "clients". The clients either run on the same computer or
connect through the network.
TOOLS
POWERPOINT:
create slides how presentations with text, images, video, and audio ,Power Point presentation is a collection of Slides and
Handouts/ Speaker's notes /Outlines To set the timing for each slide, select slide show, custom animation.The arrangement
of elements such as Title and subtitle text, pictures, tables etc. is called Layout , After choosing apre defined template,
to change the background color select Color Scheme Animation Schemes can be applied to All slides /Select slides /Current
Slide
Slides can have title, text, graphs drawn objects, shapes clipart, drawn art, visual Notes page view can be used in Power
Point to enter Speaker comments Auto Content Wizard Power Point feature allows the user to create a simple
presentation without having to spend too much time on it The a slide transition is a special effect used to introduce a slide in a
slide show Ctrl+Home is the shortcut key to jump to the first slide of the presentation Ctrl+Kis the Shortcut key to insert a
hyperlink in a slide To have a data and the slide number appear on every slide choose Insert, Header and Footer, click Slide
tab, select the desired options, click Apply to All To move to the bottom of a document, press- Ctrl key+ End key
VIRUS : A malicious program which causes damage to data. The ability to recover and read deleted or damaged files from
a criminal's computer is an example of a law enforcement specialty called computer forensics, Malicious software is known as
malware Junk e-mailis also called spam. Phishing are attempts by individuals to obtain confidential information from you
by falsifying their identity through mail,A person who used his or her expertise to gain access too their people's computers
to get information illegally or do damage is a hacker. Canara Bank has an Anti-Virus solution from Symantec Company WORD .
Word processings of tware, used to create text documents like papers, outlines, and Bibliographies, and format your
work for better visual appeal. On selected text, if you use
Ctrl+X cut Ctrl+G Go to

Ctrl+C copy Ctrl+K hyperlink
Ctrl+V paste Ctrl+F Find
Ctrl+S save Ctrl+H Replace
Ctrl+> IncreaseFontsize Ctrl+L Le Align
Ctrl+< Decreasefontsize Ctrl+R RightAlign
Ctrl+B Bold Ctrl+E Center Align
Ctrl+I Italic Ctrl+J Justify
Ctrl+U Underline
EXCEL-Create spread sheets, charts, tables, graphs, and otherwise organize and present lists or other raw data. MS-EXCELis
based on WINDOWS Microsoft Excel is a powerful Spread sheet package
SPREADSHEET : Software designed to organize, manipulate and calculate data.The software is configured in rows and column
pattern, which creates cells that are used to in put data. In a cell, calculations can be performed on data from other cells
using mathematical operations
COLUMN: the vertical divisions of a spread sheet, which are labeled with a capital letter to denote each row,
e.g.,columns A, B, C, & D. After Z, cells begin to be denoted as AA, AB, AC, etc.
ROW: The horizontal divisions of a spread sheet, which are labeled with a number to denote each row, e.g., 1, 2, 3, 4,
etc.
ROW LABELS AND COLUMN HEADERS: labels at the top of a column and /or row that identifies the data in the cells under
the column header and/or to the right of the row header The basic unit of a worksheet in to which you enter data in Excel is
called cell
MERGE: Combining two or more cells into one cell. Used for headers, etc.
FORMULA: Formula Bar in an Excel window allows entering values and formulae
WORKBOOK: Another word for an Excel file. When a new Excel file is opened, it will usually be named "Book1"until it is
saved under another name. Spread sheets within one Excel workbook or file are named Sheet 1, Sheet 2 andSheet3by
default. Worksheets can be found at the bottom of the Excel Window, and can be named by double clicking on the work
sheet tab. Most work books open with 3 worksheets, but the default can be changed or more worksheets can be added/
deleted at any time to a work book
CHART: Usually means a spread sheet with a title, row labels and column headers that has been formatted so the
viewer can easily read the data in each cell. Charts are sometimes referred toas graphs, as well
GRAPH: Graphs are the visual representation of numerical data, most commonly presented as bar, line or pie graphs
GRIDLINES: The lines that define a cell. The light lines that are visible on a new Excel spread sheet do not show when
printed, unless the user adds Gridlines
RANGE: Refers to one or more cells chosen (usually highlighted or selected) for an operation. CellA1: A2 refers, of course
to the two cells only, A1 and A2. Arrange of cells A1: B2 refers to cells A1, A2, B1 and B2, or 4 cells.
MS-EXCEL can be used to automate Financial statements, Business forecasting,
Transaction registers, inventory control Accounts receivable, accounts payable To select the entire document
under EXCEL Click CTRL +A To re arrange the data in ascending or descending order Data, Sort has to be selected In
order to perform a calculation in a spread sheet, you need to use formula Press F7 key to check spelling
The tabs that appear at the bottom of each work book is called Sheet tabs The EXCEL automatically completes the text entries
that match an existing entry in the same column. If an Excel Worksheet is to be linked for use in a Power Point presentation,
Edit, Paste should be clicked When you enter text in a cell in Excel, it also appears it appears in FORMULA bar
MACRO: A macro is a set of programming instructions stored in what is known as VBA code that can used to eliminate the
need of repeat the steps of commonly performed task again and again.
GENERAL : The Official website of Canara Bankis www.canarabank.com 'www' means World Wide Web The Intranet site
of Canara bank is called as CANNET First page of Website is termed as Homepage 'CANARABLOG', is a website designed to
share information of our Bank staff and accessed at http://sp.canarabank.com/canarablog
To view in formation on the web you must have a web browser. The most common tool used to restrict access to a computer
System is User logins/ Passwords A strong password should have Alphabets in both lower and upper case, Numerals and
Special characters with sufficient length Firewalls prevent unauthorized access
Bio metrics is the measurement of things such as finger prints and retinal scans used for security access
E-tokenis used for ROC- MCA21 authorization, CERSAI Authorization, 15G/H uploading, Online correction of E-TDS
returns etc
The scrambling of code is known as encryption Codes consisting offlines of varying widths or lengths that are computer-
readable are known as a bar code
Symbols like@#?%*are known asspecialcharacters A DVD is an example of an optical disc
By viewing the properties of the local hard disk of a computer, the user can find out the amount of space that has been used
up and there maining free space on the disk. Different documents can be open at anyone time-as many as your computer
memory will hold A pre-madedocument,which has co ordinating font, layout and background, is called Template Saving is
a process through which data that is available in Primary memory is transferred to Secondary memory.
Loading is a process through which data that is available in Secondary memory is transferred to Primary memory.
Net Meeting is Remote desktop connection under DMS environment which is used for trouble shooting purpose
The process of transferring files from a computer on the Internet to your computer is called downloading
Ctrl+Alt +Del command is given to reboot the computer or to go to Task Manager for killing a process /application.
UNITS OF COMPUTER DATA

 Computer data is stored in Bytes ,8 bits = 1 byte, 1024 bytes = 1 Kilobyte, 1024 KB = 1 Megabyte, 1024 MB = 1
Gigabyte, 1024 GB = 1 Terabyte, 1024 TB = 1 Petabyte, 1024 PB = 1 Exabyte, 1024 EB = 1 Zettabyte, 1024 ZB
= 1 Yottabyte
PAYMENTS SYSTEMS
Payment & Settlement Systems Act, 2007 – The PSS Act 2007 came into existence w.e.f 12.08.2008.
Access criteria for centralized payment system (CPC) – the CPC includes RTGS, NEFT, NECS. The membership is open to
all licensed banks with following access criteria; Minimum CRAR of 9%, Net NPAs below 5%, minimum net-worth of Rs.25
crore
Access criteria for decentralized payment system (DPS) – the DPS include clearing houses at MICR centres and Electronic
Clearing Service including the Regional Electronic Clearing Service (RECS). Membership criteria for the same are as
under; Minimum CRAR of 9%, Net NPAs below 5%.
ENHANCEMENT IN INDO-NEPAL REMITTANCE FACILITY SCHEME: Indo-Nepal Remittance Facility Scheme in was launched
in May 2008 as an option for cross-border remittances from India to Nepal. The Scheme leverages the NEFT ecosystem
available in the country for origination of such remittances and entails a ceiling of ₹50,000 per remittance with a
maximum of 12 remittances in a year. The beneficiary receives funds in Nepalese Rupees through credit to her / his bank
account maintained with the subsidiary of State Bank of India (SBI) in Nepal, i.e., Nepal SBI Bank Limited (NSBL) or
through an agency arrangement. After review of the Scheme and to boost trade payments between the two countries,
the following enhancements are announced;
✓ Increase in the ceiling per transaction from ₹50,000 to ₹2 lakh.
✓ Removal of the cap of 12 remittances in a year per remitter.
✓ Banks shall accept remittances by way of cash from walk-in customers or non-customers. The ceiling of ₹50,000 per
remittance with a maximum of 12 remittances in a year shall, however, continue to apply for such remittances.
Charges for transactions up to ₹50,000 :
▪ Originating bank – Maximum Rs 5/- per transaction.
▪ State Bank of India – Rs 20/- per transaction. SBI would share this Rs.20/- with NSBL at Rs.10 each. NSBL would not
charge any additional amount for crediting the beneficiary, if he maintains an account with it.
▪ In case the beneficiary does not maintain an account with NSBL then, an additional amount would be charged- Rs 50/-
for remittances up to Rs 5,000/- and Rs 75/- for remittance above 5,000/-.
For transactions beyond ₹50,000, the charges prescribed by SBI shall apply.
Point of Sale Machine : A point-of-sale (POS) terminal is a computerised replacement for a cash register which can
process credit and debit cards. A customer needs to enter a card PIN to complete the transaction using the PoS terminal.
MICR(Magnetic Ink Character Recognition) : It is a technology which allows machines to read and process cheques
enabling thousands of cheque transactions in a short time. MICR code is usually a nine digit code First three digits:
Represent the city code that is the city in which the bank branch is located. Next three digits: Bank code Last three
digits: Bank branch code. e.g. For example, if you have an account with Axis Bank,New Delhi (Defence Colony) then its
nine digit. MICR code will be 110211004 where: 110, the first three digits representing the city code for New Delhi; 211,
the next three digits representing the bank code for Axis bank; And 004, the last three digits representing the bank
branch code for Defence Colony.
IFSC(Indian Financial System Code) : The Payment Systems such as National Electronic Funds Transfer (NEFT), Real Time
Gross Settlement,(RTGS) & Centralized Funds Management System (CFMS) used IFS Codes. IFSC developed by the Reserve
Bank of India. The code consists of 11 Characters: First 4 characters represent the entity, Fifth position has been
defaulted with a 0 (Zero) for future use Last 6 characters denotes the branch identity e.g CNRB0002675
SWIFT Code: It is a unique identification code for both financial and non-financial institutions approved by the
International Organization for Standardization (ISO). SWIFT Standards, a division of the Society for Worldwide Interbank
Financial Telecommunication (SWIFT), handles the registration of these codes.
SWIFT Codes are used when transferring money between banks, particularly for international wire transfers, and also for
the exchange of other messages between banks.
Electronic Clearing Service (ECS) : Electronic Clearing Service is a mode of electronic funds transfer from one bank
account to another bank account using the services of a Clearing House. There are two types of ECS called ECS (Credit)
and ECS (Debit). ECS (Credit) is used for affording credit to a large number of beneficiaries by raising a single debit to an
account, such as dividend, interest or salary payment. ECS (Debit) is used for raising debits to a number of accounts of
consumers/ account holders for crediting a particular institution. Amount: There is no Minimum or maximum limit on the
amount of individual transactions.
PAYMENTS INFRASTRUCTURE DEVELOPMENT FUND (PIDF) SCHEME:
In terms of Statement on Developmental and Regulatory Policies dated October 4, 2019, RBI created the PIDF intended to
subsidise deployment of payment acceptance infrastructure in Tier-3 to Tier-6 centres with special focus on North-
Eastern States. It envisages creating 30 lakh new touch points (10 lakh physical and 20 lakh digital) every year for digital
payments. Merchants providing essential services (transport, hospitality, etc.), government payments, fuel pumps, PDS
shops, healthcare, kirana shops may be targeted. The tentative distribution of targets will be 30% of total target at Tier-
3 and Tier-4 centres, 60% at Tier-5 and Tier-6 centres and 10% at North Eastern States.
Corpus: PIDF will be operational for a period of three years from January 01, 2021 and may be extended for two more
years. PIDF presently has a corpus of ₹ 345 crore (₹ 250 crore contributed by RBI and ₹ 95 crore by the major authorised
card networks in the country). Besides the initial corpus, the PIDF shall also receive annual contribution from card
networks and card issuing banks @ 0.01 paisa per Rupee of transaction for Card networks and for Card issuing Banks it
will be 0.01 paisa and 0.02 paisa per Rupee of transaction for debit and credit cards respectively and also at the rate of ₹
1 and ₹ 3 for every new debit and credit card issued by them respectively during the year.
Subsidy: A subsidy of 30% to 50% of cost of physical PoS and 50% to 75% subsidy for Digital PoS shall be offered.
Payment methods that are not inter-operable shall not be considered under PIDF.
Subsidy shall be granted on half yearly basis, after ensuring that performance parameters are achieved including
conditions for ‘active’ status. The minimum usage shall be termed as 50 transactions over a period of 90 days and active
status shall be minimum usage for 10 days over the 90-day period.
The subsidy claims shall be processed on half yearly basis and 75 percent of the subsidy amount shall be released. The
balance 25 percent shall be released later subject to the status of the acceptance device being active in 3 out of the 4
quarters of the ensuing year.
Maximum cost of physical acceptance device eligible for subsidy – ₹ 10,000 (including one-time operating cost up to a
maximum of ₹ 500) and that of digital acceptance device is ₹ 300 (including one-time operating cost up to a
maximum of ₹ 200). The rate of subsidy based on device and its location are as follows;
Location Physical payment acceptance device Digital payment acceptance device (%
(% of total cost) of total cost)
Tier-3 and Tier-4 centres 30 50
Tier-5 and Tier-6 centres 40 60
North Eastern States 50 75
RBI LAUNCHES DIGITAL PAYMENTS INDEX (DPI): RBI has launched a Digital Payments Index (DPI) to capture the extent of
digitization of digital/electronic payments across the country. The index will have 5 broad parameters that will be used
for the measurement of deepening and penetration of digital payments. These parameters are – (i) Payment Enablers, (ii)
Payment Infrastructure – Demand-side factors, (iii) Payment Infrastructure – Supply-side factors, (iv) Payment
Performance and (v) Consumer Centricity.
MOBILE AIDED NOTE IDENTIFIER (MANI) BY RBI
The Reserve Bank of India has developed a mobile application, MANI which enable the visually impaired (colour blind,
partially sighted and blind people) to identify them, viz., intaglio printing and tactile mark, variable banknote size, large
numerals, variable colour, monochromatic hues and patterns. Technological progress has opened up new opportunities
for making Indian banknotes more accessible for the visually impaired, thereby facilitating their day to day transactions.
a) Capable of identifying the denominations of Mahatma Gandhi Series and Mahatma Gandhi (New) series banknote by
checking front or reverse side/part of the note including half folded notes at various holding angles and broad range of
light conditions (normal light/day light/low light/ etc.).
b) Ability to identify the denomination through audio notification in Hindi/English and non-sonic mode such
as vibration (suitable for those with vision and hearing impairment).
c) After installation, the mobile application does not require internet and works in offline mode.
d) Ability to navigate the mobile application via voice controls for accessing the application features
wherever the underlying device & operating system combination supports voice enabled controls.
e) The application is free and can be downloaded from the Android Play Store and iOS App Store without any
charges/payment.
f) This mobile application does not authenticate a note as being either genuine or counterfeit.
24x7 Availability of Real Time Gross
Settlement (RTGS) System On 4.12.20, RBI decided to make RTGS available round the clock on all days of the
year with effect from 00:30 hours on December 14, 2020. Accordingly:
1. RTGS shall be available for customer and inter-bank transactions round the clock, except for the interval between
‘end-of-day’ and ‘start-of-day’ processes, whose timings would be duly broadcasted through the RTGS system.
2. RTGS shall continue to be governed by the RTGS System Regulations, 2013.
3. Intra-Day Liquidity (IDL) facility shall be made available to facilitate smooth operations. The Intra-Day
Liquidity (IDL) availed, if any, shall be reversed before the ‘end-of-day’ process begins. Members have been advised by
RBI to put in place necessary infrastructure to provide RTGS round the clock to their customers. RTGS transactions
undertaken after normal banking hours are expected to be automated using ‘Straight Through Processing (STP)’ modes.
TOKENISATION - CARD TRANSACTIONS
“Tokenisation- Card transactions”, permitting authorised card networks to offer card tokenisation
services subject to the conditions listed therein.
Tokenization is the process of turning sensitive data into non-sensitive data called “tokens” that can be used in a
database or internal system without bringing it into scope. Tokenization can be used to secure sensitive data by replacing
the original data with an unrelated value of the same length and format. The tokens are then sent to an organization’s
internal systems for use, and the original data is stored in a secure token vault. Unlike encrypted data, tokenized data is
undecipherable and irreversible. This distinction is particularly important because there is no mathematical relationship
between the token and its original number, tokens cannot be returned to their original form.
To enable cardholders to benefit from the security of tokenised card transactions as also the convenience of Conflict.
RBI has decided to effect the following enhancements:
a) Extend the device-based tokenisation framework.
b) Permit card issuers to offer card tokenisation services as Token Service Providers (TSPs).
c) The facility of tokenisation shall be offered by the TSPs only for the cards issued by / affiliated to them.
d) The ability to tokenise and de-tokenise card data shall be with the same TSP.
e) Tokenisation of card data shall be done with explicit customer consent requiring Additional Factor of
Authentication (AFA) validation by card issuer.
Further, in the interest of clarity, the following points may be noted:
a) With effect from January 1, 2022, no entity in the card transaction / payment chain, other than the
card issuers and / or card networks, shall store the actual card data. Any such data stored previously shall be purged.
b) For transaction tracking and / or reconciliation purposes, entities can store limited data - last four
digits of actual card number and card issuer’s name - in compliance with the applicable standards.
c) Complete and on-going compliance with the above by all entities involved, shall be the responsibility of the card
networks.
Regulation of Payment Aggregators and Payment Gateways Payment Aggregators (PAs) and Payment Gateways (PGs)
are intermediaries playing an important function in facilitating payments in the online space. RBI decided on 17.3.20 to
regulate in entirety, the activities of PAs and PGs.
Payment Aggregators: These are entities that facilitate e-commerce sites and merchants to accept various payment
instruments from the customers without the need for merchants to create a separate payment integration system of
their own.
Payment Gateways are entities that provide technology infrastructure to route and facilitate processing of an online
payment transaction without any involvement in handling of funds. These are considered as ‘technology providers’ or
‘outsourcing partners’ of banks or non-banks. In processing of an online transaction the following timelines are involved
a) ‘Tp’ – date of charge / debit to the customer’s account against the purchase of goods / services. b) ‘Ts’ – date of
intimation by the merchant to the intermediary about shipment of goods. c) ‘Td’ – date of confirmation by the merchant
to the intermediary about delivery of goods to the customer and d) ‘Tr’ – date of expiry of refund period as fixed by the
merchant. The guidelines are not applicable to Cash on Delivery e-commerce model. Authorisation: Banks do not require
it from RBI. But non-bank PAs require authorisation from RBI. PA should be a company created as per Companies Act,
1956 / 2013. Existing non-bank entities offering PA services can also seek authorisation. Entities seeking authorisation as
PA from the RBI shall apply along with a ‘No Objection Certificate’ from their respective regulator, within 45 days of
obtaining such a clearance.
Capital Requirements: Existing PAs (as on 17.3.20) shall achieve a net-worth of Rs.15 crore by March 31, 2021 and a net-
worth of Rs.25 crore by the end of third financial year, i.e., on or before March 31, 2023. The net-worth of Rs.25 crore
shall be maintained at all times thereafter. New PAs shall have a minimum net-worth of Rs.15 crore at the time of
application for authorisation and shall attain a net-worth of Rs.25 crore by the end of third financial year of grant of
authorisation. The net-worth of Rs.25 crore shall be maintained at all times thereafter.
Governance: PAs shall appoint a Nodal Officer responsible for regulatory and customer grievance handling functions. PAs
shall prominently display details of the nodal officer on their website. Further, Provisions of Prevention of Money
Laundering Act, 2002 and Rules framed thereunder, as amended from time to time, shall also be applicable.
Merchant On-boarding: PAs shall be responsible to check Payment Card Industry-Data Security Standard (PCI-DSS) and
Payment Application-Data Security Standard (PA-DSS) compliance of the infrastructure of the merchants on-boarded.
Merchant site shall not save customer card and such related data. A security audit of the merchant may be carried out to
check compliance, as and when required. Settlement and Escrow Account Management 1) Non-bank PAs shall maintain
the amount collected by them in an escrow account with any scheduled commercial bank. 2) Amounts deducted from the
customer’s account shall be remitted to the escrow account maintaining bank on Tp+0 / Tp+1 basis. The same rules shall
apply to the non-bank entities where wallets are used as a payment instrument. 3) No interest shall be payable by the
bank on balances maintained in the escrow account, except when the PA enters into an agreement with the bank
maintaining the escrow account, to transfer “core portion” of the amount, in the escrow account, to a separate account
on which interest is payable. 4) No loan is permissible against such deposits. Banks shall not issue any deposit receipts or
mark any lien on the amount held in such form of deposits. Security, Fraud Prevention and Risk Management Framework:
PAs shall submit the System Audit Report, including cyber security audit conducted by CERT-In empanelled auditors,
within two months of the close of their financial year to the respective Regional Office of DPSS, RBI
2. OUR DIGITAL PRODUCTS
NET BANKING (RETAIL + CORPORATE) -Internet Banking is a facility that drives the entire banking technologically
facilitating easy and secured access to account information at any time from any part of the world through internet.
The facility is available 24x7 and enrolment for availing the facility is free of cost. The Internet Banking facility of Core
Banking solutions works online and real time. This facility supports both Retail and Corporate Customers for viewing,
querying and transacting online.
TYPE OF ACCOUNTS COVERED UNDER INTERNET BANKING 1. Net Banking – Retail a. Any running account of
individual/s including Staff, NRI and Minor Represented by Guardian. b. Joint Account/s where operation condition is
severally - Joint or First (JOF) or Joint or others (JOO). Such account/s should be fully KYC compliant. c.Net Banking
facility can be provided to visually challenged persons 2. Net Banking – Corporate a. Proprietorship firm. b. Partnership
concern. c. Joint Stock Companies (both public and private). d. Societies/ Club/Associations/ Co-operatives Trust.
(188/2020) e. Government Bodies.Accounts of such Corporates should be fully KYC Compliant.. Eligible persons to access
Internet Banking (188/20):- Net Banking – Retail a. Individuals: b. By account holder himself/herself. c. Minor accounts
operated by Guardians, by guardian of the minor. d. In respect of joint accounts where operation condition is specified
as JOF or JOO, different user ids will be issued to each account holder of the account on specific request to the Bank. e.
Visually challenged persons can access the Net Banking services using screen reading software and Braille Key board.
Net Banking - Corporate: a. Sole Proprietorship Firm: i. The Sole Proprietor of the firm. ii. Letter of authority
holder/Power of Attorney Holder of the proprietor. Partnership Firm: i. Those partners who are authorized to operate
the account. ii. Authorized person/s nominated by the Partners. Companies: i. Both Public and Private Companies
including Government Bodies. ii. Authorized person/s to operate the account as per latest Board Resolution/Mandate.
INELIGIBLE ACCOUNTS FOR INTERNET BANKING FACILITY: a. Joint accounts where operation condition is other than
severally. b. Account/s of illiterate persons. c. Account/s under Court orders/Attachment orders. d. Dormant
account/s. e. Frozen account/s for various reasons like disputes, litigation etc. f. Any other accounts not included under
eligible accounts category Some of the facilities provided in internet banking (188/20):- a. Inquiry about the balance in
his/her account(s), b. Details about transactions & Statement of Account c. Request for Issue of cheque-books & Stop
Payment of cheque d. Request for transfer of funds to own/third party accounts within Canara Bank and to other Bank
accounts a. Term Deposit & Recurring Deposit Account opening and Redemption b. Request for Hotlist of Debit Card c.
Demat & ASBA d. Tax related services e. Offline OTP facility for generating OTP offline- CANARA OTP f. Online self
registration facility for corporate proprietorship customers g. Toggling (Enabling/Disabling) of financial transactions
facility in IB. h. Preprinted transaction password kits for corporate customers i. Debit Card services like setting
ATM/POS limit, Pin Generation etc. j. Enhanced fund transfer limit for IMPS transactions through Internet Banking from
50000/- per day to 200000/- per day. k. Enhanced multiple global limits for Retail and Corporate customers l. Online
nominee registration and maintenance facility.
Limits permissible in Net Banking
Transaction limit permitted to customer per day Retail User Corporate Use
Funds Transfer Own Account No limit No limit
Funds Transfer– Intra Bank – Third Party/RTGS/NEFT 5 Lakhs 1 Cr
Funds Transfer - Bulk 5 Lakhs 5 Cr
Bill Payment 2 Lakhs 5 Lakhs
Bulk upload facility released to Net Banking Corporate Customers with a maximum limit of
Rs.5 Crores per customer per day for internal fund transfer and to other Bank accounts
through RTGS / NEFT. No need to add beneficiary
Internet customer can use our banks product online mode 1. Retail net banking 2. Corporate net banking 3. Public
provident fund account opening online 4. Saving banking account opening online 5. Fixed deposit / Recurring deposit
opening online 6. Subscribe account statement online – email service 7. Fund transfer facility by IMPS mode/ NEFT Mode
/ RTGS mode 8. Online Bulk payment 9. Tax payment online 10. Income tax e-filling online 11. TDS inquiry 12. Loan
repayment online 13. Utility bill payment 14. Online loan application and tracking system 15. Canara Public Grievances
Redressal system 16. TAB Banking 17. Online Utility Bill payment desk 18. Green Pin / Forgot Pin / Change Pin 19.
Nomination 20. 15 G/ 15 H Tax exemption 21. Temporary Block / Un Block 22. Set ATM / POS Limit 23. Instant PIN
Generation 24. Enable / Disable financial facility.
IMMEDIATE PAYMENT SERVICE (IMPS) through Net Banking • Funds can be transferred through Net Banking using IMPS •
Beneficiary's mobile number and MMID is required to effect funds transfer • Remitter should have valid MMID FUNDS
TRANSFER USING ACCOUNT NUMBER AND IFSC CODE (P2A) Through Net Banking.
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Canara Bank, Regional Office, Nagpur -1 10 | P a g e
CANARA MOBILE BANKING Can mobile facilitates banking services like balance enquiry, mini statement, intra bank fund
transfer and interbank funds transfer through MMID, Account no, Aadhaar number, M- commerce, Donations, Loan
account enquiry, TD enquiry, ATM Locator, Brach locator with ease and dexterity. Pre- requisite: Smart phone with
internet connection, sending SMS to be enabled, sufficient storage space, sufficient balance in case of prepaid mobiles,
ATM cards for activation or internet banking login 1. ELIGIBILE ACCOUNTS : a. CASA accounts – Savings Bank, Current
Account, Overdraft (individual account Only) b. Joint Account/s where operation condition is severally - Joint or First
(JOF) or Joint or others (JOO). c. Account/s should be fully KYC compliant. 2. INELIGIBLE ACCOUNTS : 1. Joint accounts
where operation condition is other than severally. 2. Non Resident Accounts 3. Account/s of illiterate person/s 4.
Account/s of Minor/s 5. Account/s of Visually Challenged Person/s 6. Letter/Power of Attorney holders 7. Account/s of
HUFs, Trusts, Clubs and Associations. 8. Account/s under Court orders/Attachment orders. 9. Dormant account/s. 10.
Corporate Accounts 11. Frozen account/s for various reasons like disputes, litigation etc. 12. KYC non-compliant accounts
13. Any other accounts not included under eligible accounts category. 6 digit numeric MPIN. Customers can login Canara
Mobile Banking App through Pass-code & Finger Print ID.
Services offered: Easy, simple, safe, secure, swift access to Banking facility. 24 x 7 availability Balance Enquiry
Mini Statement IMPS Fund Transfer using MMID (P2P) IMPS Fund Transfer using IFSC (P2A) IMPS Fund Transfer to
Merchants (P2M) Fund Transfer within Canara Bank Generate OTP (For IMPS P2M Pull Transaction) Cheque Book
RequestCheque Status Donations to Charitable Trusts, Temples etc. M- Commerce - Mobile Top-Up / recharge, DTH
recharge. Loan & Term Deposit Enquiry (presently only in WAP channel) Branch Locator & ATM Locator Generate
MMID / Retrieve MMID / Cancel MMID.
New Services include in Mobile Banking as below. Interbank fund transfer through IMPS/UPI/NEFT/RTGS Intra bank fund
transfer. Remittance of Loans availed from our Bank. Opening/Closing of Fixed Deposits & RD. Scan & Pay QR codes using
Bharat QR. Bill payments through BBPS(Bharat Bill payment services) Cardless cash withdrawal through ATM. Life style
services like Recharge of Mobile (both Post paid & Prepaid)/DTH/Datacard and Booking of flight/ Bus tickets. Temporary
blocking / unblocking of Credit & Debit card. Set daily transaction Limit for Debit cards for cash withdrawal & purchases
within the overall Limit. View facility for Credit Card Statement and Request for Email Statement Another added feature:
The customer can enroll/register Unified Payment Interface (UPI) facility by using “BHIM UPI” which is integrated in our
Mobile Banking app.
Mobile application product 1. CANMOBILE 2. EMPOWER (UPI) 3. E-INFOBOOK 4. CANARA M SERVER 5. GEOLOCATE 6.
CANARA SWIPE 7. CANARA CART 8. CANARA REWARDZS 9. CANARA OTP 10. CANARA RECOVERY 11. CANARITIES 12.
CANARA DIYA 13. CANARA AADHAAR PAY 14. CANARA QR CODE MERCHANT APP 15. CANARA SAATHI
e-infobook - Passbook (last 10/15/30 days transactions) Balance inquiry Summary of accounts My Deposit accounts
inquiry My loans account inquiry Credit card details inquiry Passheet mail Search transactions Refresh accounts
Locate our branch and ATM Our product information Canara Swipe
DEBIT CARDS A debit card (also known as a bank card or check card) is a plastic payment card that can be used instead
of cash when making purchases. It is similar to a credit card, but unlike a credit card, the money comes directly from the
user’s bank account when performing a transaction. We are issuing cards with payment network of RuPay, VISA, Master
companies. Eligible account: Individual, Joint operation severally, Joint account, Minor who are aged 10 years and above,
illiterate, NRI, PA Holder / holder of mandate Ineligible account: Garnishee attachment orders accounts, overdraft
accounts with inventory limits like cash credit accounts and other loan accounts, authorized person of clubs,
associations, local bodies, partnership firms, public and private ltd company, societies.
Validity period : EMV debit cards and contactless dual interface debit cards, the validity period shall be up to 5 years
from the month of issue Renewal ; auto renewal only for active cards i.e. cards used at least once for financial/ non
financial transaction for the last 1 year. Withdrawals by using other Bank ATM; first 5 SB transaction ( Both financial and
non financial put together ) per month free of cost. Each withdrawal is restricted to ₹ 10000/-. Beyond 5 transaction
charges of ₹ 20/- per financial transaction and ₹ 10/ per non financial transaction are charged and GST extra Our bank
introduced personalized and non personalized debit card holder can generate / regenerate PIN through GREEN PIN /
CHANGE PIN / FORGOT PIN
Different variants of Debit Cards 1. Canara Debit Card 2. Canara Platinum Debit Card 3. Canara Business Debit Card 4.
Canara Campus Debit Card 5. Canara Junior Debit Card 6. Canara Club Card 7. Canara Elite Debit Card 8. Pay wave
personalized platinum debit card 9. Premium variant of Rupay Debit Card: Canara Rupay Select Debit Card
Credit Cards -Eligibility : Satisfactory dealings, minimum income ₹ 1 to 2 lakhs, Staff ₹ 60000/- p.a. (Minimum NTH ₹
4000 p.m Presently our Bank is issuing different variant of credit cards as follows
1. Classic cards/ standard (Domestic) 2. Gold (Domestic / Global) 3. Corporate credit card 4. Secure credit card standard
(Domestic) 5. Secured credit card (Global) 6. Secured credit cards gold (Domestic) 7. Secured credit card – EMV Chip
(Global) 8. Canara world credit card 9. Canara Non personalized credit card Master card- “INSTA CARD” 10. Rupay
Premium Variants- Platinum and Select Credit Cards. Canara credit cards are presently issued free of cost, with revolving
facility and vailidity period of 3 years. Card limit for classic / Standard is upto 10-30% of gross annual income (Min ₹
10000/- to Max- ₹ 3 laksh), cash advance limit against
credit card amount is 50% of credit limit with a maximum of ₹ 50000/-. For add on cards maximum cash withdrawal limit
is ₹ 25000/-.
National Electronic Funds Transfer – NEFT -Half an hour Settlements in normal days from 00:30 hrs to 00.00 hrs (Total
48 settlements). Without holidays and on 24X7 basis. • Penal Interest for Delay in Credit : Delay in credit to Party‘s
Account or delay in refunding the NEFT amount to remitting bank branch, penal interest payable is RBI LAF Repo + 2%.
Uniform penal interst applicable to all electronic remittance. • PARTIES TO FUNDS TRANSFER: The parties to a funds
transfer under the NEFT system are the sender, sending branch, Service branch of Sending Bank (Mumbai Clearing section
for our Bank), the RBI NEFT Centre (National Clearing Cell, RBI, Mumbai), beneficiary bank and the beneficiaries. For all
NEFT transactions, the funds are to be credited to our Clearing Section, Mumbai (DP Code : 136, IFSC: CNRB0MUMCLG). •
Our Bank uses SFMS as the NEFT message carrier. • SFMS has advanced in-built security with Public Key Infrastructure
(PKI). • Payment for Card dues:New Transaction Code no.52 introduced by RBI to facilitate recovery of card dues
electronically through NEFT • Return the inward NEFT within 2 hours (B+2) of completion of the batch it is received. •
Straight Through Processing(STP) has been enabled to dormant CASA account also. • Introduction of Standing
Instructions\ facility through NEFT outward messages • NEFT Outward Message(BI39/2011):Branches should ensure that
all the NEFT outward messages created by the TELLER are submitted and messages with Pending authorization are
authorized by the Officer / Manager before NEFT Time window is closed without fail to avoid customer complaints on a
daily basis. DIT Wing has implemented 15 minutes cut off timing for every hourly batch in CBS. All the NEFT messages
created after the cut off time will be generated in CBS with the next available NEFT batch ID. NEFT transaction data
older than one month will not be available through FCR. However the same is available through Business Object Report
110023 and 110024. CASH NEFT • Walk-in customers who do not have an account with remitting bank can also send
remittance through NEFT up to Rs. 50,000/- by paying cash.
Real Time Gross Settlement : Now RTGS wef 14.12.2020 from 00.30 hrs on 24 x 7 basis ..RTGS (real time gross
settlement) is electronic payment systems that allow individuals to transfer funds between banks. Both these systems are
maintained by the Reserve Bank of India. It is applicable only for money transfer within the country. • Minimum amount
₹2 lakh.(For customer initiated transaction) • Wrong Credit to be returned as fresh RTGS outward Message. • Only to
customers by debit of their account and KYC norms to be verified • Timings for RTGS transactions for customer. RTGS
discipline, in respect of inward messages, amount should be either credited to the beneficiary‘s account or returned to
the sender‘s Bank within 1 and ½ hours of its receipt. Branches are advised to review the RTGS AFD entries credited to
Parking GL 209272434. Delayed return to the sending bank -CURRENT REPO Rate PLUS 2% • the return payment has to be
sent by the branch as a fresh inter-bank payment (IFN 298R42). Customer Bank Payment (R41) only and not through "Inter
Bank Payment". Routing customer transactions under "Inter Bank Payment" is violation of RTGS discipline and would
attract penalty under section 30 of the Payment and Settlement System Act, 2007' RTGS customer transactions through
298 R41 message format.
Credit Card Policy -Important changes/additions: § Minimum Credit Card limit for add-on card facility is Rs. 25,000.00. §
Add-on cards should be issued after 6 months of satisfactory transaction by the Primary Cardholder. § Upto 4 Add-on
cards can be issued at the request of the Primary Cardholder. § For availing more than 2 Add-on cards, permission from
RO Head shall be obtained. Minimum Card limit of all card variant is Rs. 10,000.00 and maximum limit varies depending
upon the card variant as mentioned in Clause No. 2.26 in this Circular. § One Credit Card (with a maximum of 4 add-on
cards) shall be issued to a customer based on the gross annual income of the individual
RuPay Insurance Program FY 2020-21. § RuPay Insurance Program extended for the FY 2020-21 for RuPay Non-Premium
Cards (PMJDY Debit Cards) will be continued with The New India Assurance Company Ltd. § RuPay Insurance Program
extended for the FY 2020-21. TATA AIG General Insurance Company Ltd. will be the Insurer for RuPay Premium cards and
higher Variant cards § Claims with respect to the card variant has to be preferred as per annexure to Cir 640/2020
Enterprise Fraud Risk Management (EFRM) rules for safeguarding Internet Banking Transactions (Cir 482/2020) § Fund
transfer facility to newly added beneficiary in Internet banking will be enabled in a phased manner during the first 24
hours of adding a new beneficiary: § First 6 hours – Fund transfer is not allowed § From 6 Hours to 24 hours – Fund
transfer facility with a cap of Rs 50,000/- § After 24 Hours - Full Limit as applicable
Canara Swipe - This app have all service names and an option to either auto dial for missed call or auto construct the
required SMS format. Customer can choose any of the services by swiping any option left and then taping on missed
call/SMS. This app also provides a choice of language- Hindi or English. The app can be used offline, internet connectivity
not required. Following services are offered by Canara Swipe: (i) Balance Enquiry ( Hindi & English) ,(ii) Mini Statement
,(iii) ePassheet ,(iv) Cheque Book Request ,(v) Hotlist Debit Card ,(vi) Block Net Banking ,(vii) Hotlist Credit Card ,(viii)
Mobile Banking Registration, (ix)PMJJBY/PMSBYStatus, (x) Car Loan Enquiry,(xi) Home Loan Enquiry,(xii) Home Loan for
HNI and (xiii) Home Loan for NRI
CanaraEasyCash - CanaraeasyCash is the instant money transfer (IMT) service that allows our customer to send money to
any user having mobile, with the help of Canara Bank ATM at any time (24 x 7). The beneficiary need not be customer of
any Bank, and can withdraw cash through IMT enabled Canara Bank ATMs without any card easily and instantly using the
One Time Password (OTP) received through SMS and code shared by the Remitter. Minimum amount per transaction is
100/-. Maximum amount per transaction is 5000/-. Maximum Monthly limit per remitter is 25000/-
Canara e-Info book: It is an electronic passbook and banking related information facility on Mobile handsets. The facility
supports multiple Operating Systems (Android2.2 & above, Windows 8, IOS 7.1 & above and Windows/Android/IOS TAB).
The Canara e-Info book can be used by all the Canara Bank customers who have registered mobile number with their
accounts. The application will retrieve the details of users on the basis of mobile number itself. This application is
available in 8 languages i.e in English, Hindi, Kannada, Tamil, Malayalam, Telugu, Bengali and Marathi. Following services
are available to customers: Electronic pass sheet of accounts (last 10 transactions, last 15 days transactions and last 30
days transactions for SB/OD accounts and last 25 transactions for Current Accounts). Customers can Book an appointment
online for accessing Locker using Android version. Products information ,Statement of accounts to email IDs ,Tracking of
transactions date wise ,Cheque status ,ATM locator ,Branch, locator,Balance enquiry, Locker operation
appointments(forAndroid version),Accounts summary, What’s new in Canara Bank ,Credit card statement, Loan pass
sheet, TD details
BHIM Canara Empower - Unified Payment Interface (UPI) application is enabled with an enhanced feature – QR Code
based payment. EMPOWER can be available or CASA account holderwith proprietorship
concerns/individualaccounts/individual OD account holders so that payments can be accepted. The Maximum amount
for transacting through UPI is 1, 00,000/- per day per customer. There is no lower limit in UPI. The merchant must have
an android smart phone version 4.4.4 and above. The merchant should have been issued a debit card. The Mobile Number
of the merchant should be registered.
Bharat Interface for Money (BHIM) - NPCI has developed a common UPI BHIM, which would co-exist with other apps
released by participating banks. BHIM is a simplified version of the existing UPI Applications of individual Banks. BHIM is
an additional UPI platform to Bank's UPI application and does not replace the same. BHIM consists of basic functionalities
whereas Bank's UPI application- eMpower is an exhaustive one. Similar to eMpower, BHIM is also presently enabled only
for Android smart phones with version 4.1.1 and bears the same pre-requisites as required for eMpower. Features
available in BHIM: Balance enquiry, Transaction history, Pay option, Collect option, Scan & pay through QR code, Change
& generate UPI-PIN, and Change account. Maximum limit per transaction under eMpower is Rs.1 lac and under BHIM is
Rs.10000. Maximum limit per day under eMpower is Rs.1 lac and BHIM is Rs.25000.
BHIM Aadhaar POS :BHIM Aadhaar POS is a mobile application (App) and not a physical Instrument. BHIM Aadhaar POS is a
payment system wherein a Customer pays for goods/ services using his/ her Aadhaar as the payment instrument. The
system involves enrollment of a Merchant/ trader for BHIM Aadhaar POS. Once the Merchant establishment is on-
boarded, the Merchant shall use the BHIM Aadhaar POS app of our Bank downloaded to his/ her Mobile handset along with
a Biometric device (finger print scanner) connected to it to receive payments from his/her customer/s.
Canara Bank International Travel Prepaid Card: This card is a prepaid card – the value of the card shall be paid up
front. Card is valid for 5 years. A non personalized CHIP Card with PIN/Signature. Up to seven currencies viz.USD, EURO,
GBP, AUD, CAD, SGD and AED ( United Emirates Dirham) can be loaded in a single card. TAX PAN need not be insisted
upon for remittance made towards permissible current account transactions up to USD 25,000. The card cannot be used
in India, Nepal, Bhutan, North Korea, Cuba & Iran. The list of exempted countries may vary as per RBI guidelines.
Maximum amount of load per individual during a calendar shall be as per the RBI / FEMA guidelines. The card is a multi
currency card with EMV compliant chip. The individual Limits permissible without prior approval of RBI for release of
foreign exchange per financial year to individuals for holidays/personal visits, Business Travel, medical treatment,
studies abroad etc is subsumed under the overall Limit of USD 250,000 under LRS. Where the card is used for transactions
other than the currency available in the card, cross-currency rates at MasterCard specified rates will be applied. This
rate will be marked up by a rate as decided by the bank which is presently 3%. The card value can be reloaded during the
validity of the card. Refund shall be permitted only after 10 days from the date of last transaction in the card for
ensuring accounting all transaction with the card. Cardholders can retain the unspent foreign exchange in the card up to
USD 2000 or its equivalent in other currency for future trips till expiry of the card, as per extant FEMA guidelines.
Unspent currency in the card in excess of USD 2000 or its equivalent in other currencies needs to be surrendered within
180 days of arriving in India. The card can be used for making payments for online purchase, merchant outlets as well as
to withdraw cash.Initial sale fee: Rs.200 + ST, Reload fee: Rs.50+ST, Encashment Charges: Rs.100 +ST, Reissue /renewal
charges: Nil, Statement request: Nil, New ATM Pin : Nil, Replacement card fee : free , Cross currency usage : 3 % mark
up
Prepaid Cards: Canara Prepaid Classic Card (Reloadable), Canara Prepaid Plus Card, Canara Gift Card – all the three
cards are meant for domestic usage only and denominated & settled in INR only. Transfer from prepaid card to card
holders‟. Operative account through which it was purchased is permitted. No interest is payable on the balances held in
prepaid card account. Scope/Application: For all bill payments / internet usage / Purchases at POS / Cash Withdrawal
(except Gift Cards), intended for all customers, workers, labourers, etc. Remittance by relatives of NRIs, Others / Gifting
needs/ Payroll of workers and employees / Student for receiving scholarships etc/ Direct Benefit Transfer to receive
Government benefits/ Employee Benefit Transfer for Corporates employees.
Parameter Classic Prepaid Card Gold Prepaid Card Gift Card
Minimum Amount No Minimum Rs.100 Rs.500
Maximum Amount Rs.10000 Rs.50000 Rs.10000
In Multiples of Rs.1 Rs.1 Rs.1
Validity 3 Years 3 years 1 Year
Usage Point ATM/PoS, eCommerce, Fund ATM/PoS, eCommerce, Fund PoS, eCommerce
transfer to card transferto card holders , No Cash
holders operative account operative account, Cash withdrawal withdrawal
at ATM/PoS
Cash withdrawal Minimum Rs.100 and in Minimum Rs.100 and in multiples of Not allowed
limit at ATM multiples of Rs. 100 Rs.100. Maximum :In our Bank ATM
Maximum : Amount in card Rs.40000 .Other bank ATM as per
respective bank limit.
Cash withdrawal at PoS Maximum Rs.1000 in tier I/II centers and Rs. 2000 in tier III/IV/V/VI Not allowed
centers
Issue Charges Rs.50+ST Rs.100 + ST Rs.50 +ST
Load/Reload Charge Rs.20+ST Rs.20+ST,No Reload
Charges for Cancellation/Hotlis ting/redemption after expiry - Rs.50+ST
Cash withdrawal at our bank Free Not Applicable
ATM
Cash Withdrawal at other Rs..10/- for nonfinancial Transactions, Rs..20/- for Financial Not Applicable
Bank ATMs beyond 3/5 Transactions
financial/non-financial
transactions
Cash Withdrawal at POS 1% of the Transaction Amount Not Applicable
Canara Bank Business Debit Card Global : Meant for our SME segments, Issued in association with MasterCard under BIN
529819, EMV CHIP card with PIN based authentication, Valid for Global usage, Non photo card, Valid for 10 years, No
entry fee & Annual fee. Inactivity fee of Rs.300/- will be charged where the annual card turnover for purchases does not
reach minimum Rs.50, 000/-. 20% variation shall be considered for giving relaxation for levying inactivity fee. (Levy of
inactivity fee is put under moratorium for a period of first three years from the date of launch of this product viz till
25.02.2018). Purchase limit up to Rs.2 lakhs per day. ATM cash withdrawal limit of Rs.50,000/- per day Rewards point @
one point for every purchase of Rs.100/-. Rupee equivalent of one point is Rs.0.50. Minimum single ticket purchase shall
be Rs.10,000/- to be eligible for Rewards point.
Eligibility: Current Account and Overdraft Account with constitution Individual & Proprietorship only. Ineligible Accounts:
Encumbered Accounts: Overdraft accounts with inventory Limits like Cash Credit Accounts & other loan accounts.
Accounts of Minors. Accounts under Garnishee /attachment orders or which are subject to litigation/dispute.
Charges: The following charges are applicable for Canara Bank Business Debit Card Hotlist/duplicate card on account of
loss of card – Rs.150, Replacement Card – Rs.50, Card Inactivity fee: Rs.300/-.Charges for request for copy of charge slip:
For transaction at our Merchant Establishments: Rs.100/- For transaction at other Banks Merchants: Actual cost with a
minimum of Rs.100/- For transaction abroad: Actual Cost
Complementary Insurance Cover: Lost Card liability up to Rs.5 lakhs covered from the time of intimation to the Bank, in
excess of 1% of the claim amount or Rs. 2000 which is higher. Misuse of Counterfeit Cards for Internet Banking: Up to
Rs.20,000/- Misuse of Counterfeit Cards for Purchase of Air Tickets on the Internet Banking: Upto Rs.50,000/- Risk of
Death due to Accident – Air :Self Rs.8.00 lakhs, Spouse Rs.4.00 lakhs. Risk of Death due to Accident – Others: Self Rs.4.00
lakhs, Spouse Rs.2.00 lakhs.Purchase Protection Rs.0.25 lakh, Baggage insurance Rs.0.25 lakh
Canara Campus Card - Canara Campus Card (CCC) is an Identity Card –cum-Debit Card. Issued in association with school
& colleges. Canara Campus Cards can be issued to students who are studying in 8th standard and above and who have
attained the age of 13 years and above, and having CBS account with us. NO Joint Accounts, No Add On Cards. Canara
Campus Card is a Visa Debit Card bearing the name & logo of the educational institutions on the front side of the card.
Also students photo on front side of card. Students can use the card to: a. to withdraw cash from ATMs b. To make
purchases with the card c. To pay fees to the institution When cards other than Canara campus cards are used in the
POSEDC machines installed at the College/Institution, commission@ 2% of the transaction amount shall be collected by
the college/Institution and paid to our Bank. Other features like our Normal Debit Card. After completion of study in that
college, normal Debit Card will be issued to the student.
Canara Bank Visa/Master/RuPay Platinum Debit Card :Customers having average quarterly balance of Rs.25, 000/- and
above in existing SB/Current Account or with balance of Rs.25, 000/- & above in new SB/Current accounts(less than 3
months). Existing Canara Bank Debit cardholders who have used the Canara Bank Debit Card for purchase transactions
totally to the tune of Rs.50, 000/- and above during the previous 12 months. No card inactivity fee if the card is used for
a minimum purchase transaction of Rs.50,000 per annum during the year or minimum average annual balance of
Rs.50,000/- is maintained in the account during the year (in line with Canara Galaxy account scheme guidelines). For
arriving at the average annual balance for this purpose all the SB & current accounts linked to the card shall be
considered. Card Cash limit is Rs.50000 and purchase limit is Rs.2 Lacs. Hotlisting charges (Rs.150) and replacement card
charges (Rs.50) while upgrading existing base variant card to platinum debit card variant waived. Per day cash
withdrawal Limit of Rs.50, 000/- and purchase Limit of Rs.2.00 lacs. One reward point for every purchase of Rs.100.
Rupee equivalent of one reward point is Rs. 0.25 . Lost card liability from the time of intimation of bank is Rs.5 Lacs
Insurance cover for 1.Misuse of card on the internet upto Rs.10000 2.Misuse of card while buying Air Tickets on the
internet up to Rs.25000 & 3.baggage insurance and purchase protection is Rs. 25000 .ATM charges for cash withdrawal
/balance enquiry as applicable to normal card ( Rs.20 for financial and Rs.10 for financial transaction). Complementary
Insurance cover, up to Rs. 2.00 lacs against the risk of death or permanent disability due to accident, extended by NPCI
Copy of Charge Slip – at our ME : Rs.100/- other banks ME: min. Rs.100 Complementary insurance cover for Death due to
air accident :For self Rs. 8.00 Lacs ,For spouse Rs. 4.00 lacs Death due to other than Air accident: For self Rs. 4.00 lacs,
Spouse Rs. 2.00 lacs
Canara Visa Pay Wave Platinum Debit Card :This Card is with dual interface EMV card having Near Field Communication
(NFC) – contactless technology. Dual Interface Debit Card is a chip based contact as well as contactless Debit Card.
Cardholder can simply wave the card on the POS terminal (at a 4 cm range) to pay up to the threshold limit. No
insert/swipe is necessary as cards are enabled with Visa payWave technology, in POS terminals enabled for contactless
payments. Registration of Mobile number in CBS and enabling for transaction alerts is made mandatory for issuance of
contactless cards.Maximum amount that can be transacted is Rs.2000/- per occasion and 5 transactions per day, for
transactions through contactless mode. Transactionsthrough contact mode (through insert/swipe) with PIN
authentication are as per the extant guidelines, i.e. up to Rs.2, 00,000/ - per day for Platinum Debit cards. As a security
measure, a cardholder is allowed a maximum of 3 transactions within one hour so that 4th transaction within one hour
will not be allowed through contactless mode. Transactions above this cap (as per item 5 above).happens through
normal mode i.e.,insert/swipe at POS terminals authenticated by PIN. Transactions at ATMs are through normal
mode only authenticated by PIN irrespective of transaction amount. Charges: No enrollment fee, No annual fee,
Hotlist/duplicate card :Rs. 150 , Replacement of card : Rs.50 Balance enquiry/decline transaction in other Bank ATM: Rs.
10. Charges for request for copy of charge slip: For transaction at our ME :Rs. 100 , at other Bank‟s ME : Actual with
minimum Rs. 100 and for transactions abroad: Rs.100. Charges for Cash withdrawal at Point of Sale: 1% of the transaction
amount + Service Tax. Inactivity fee: Rs..500/- for annual purchase below Rs. 50,000
CREDIT CARD :Eligibility: Minimum income Rs.1 Lakh, Staff- Rs.60000/- p.a.( Minimum NTH Rs. 4000 p.m.). NRI eligible.
Foreign nationals of Indian origin not eligible Card inactivity fee : Rs.400/- Minimum turnover per annum for waiver of
inactivity fee: Rs.12,000/- Add on card free. Card inactivity fee: Rs.300/- .For waiver, usage Rs.12, 000/- per annum.
Free Credit period 20 to 50 days. Inactivity fee for base variant viz., Classic/Standard & Gold variants of Visa/MasterCard
Credit Cards waived for a period 4 years - from 01.04.2016 till 31.03.2020. Canara credit cards are presently issued free
of cost ( no joining fee & annual fee). Revolving facility: The card holder shall pay 5 % of the billed amount and balance
amount carries service charges of 2.5 % p.m. plus applicable service tax. Cash advance limit against credit card amount:
50% of credit limit with a maximum of Rs.50, 000/-. For add on cards maximum cash withdrawal limit is Rs. 25000. ATM
Cash withdrawal Limit to NRE customers through Credit Cards is enhanced upto Rs.50, 000 subject to 50% of Credit Card
limit per month. The guidelines regarding ATM Cash Withdrawal facility extended only to Main NRE Credit cardholders,
remains unchanged. Add on cardholders are not eligible for cash withdrawal facility.
Card validity : Three Years Card limit for Classic/Standard card: upto 10-30% of gross annual income.(Min-
Rs.10000/-, Max- Rs.3 lakh). Generation of CIBIL report ( or report from any other CICs) is mandatory for all Individuals &
Others irrespective of Card Limit, except in case of our Bank staff / Secured Credit Card. CIBIL rating below 700 & where
there is no credit history should be referred to next higher sanctioning authority for their consideration and disposal.
Respective SA can sanction, if CIBIL score is 700 or above. Where CIBIL rating is below 700, proposal should be sanctioned
by NHA excluding the cases falling within the power of circle head. Structured format of Sanction / enhancement /
Office Note has been devised. Complimentary insurance cover for Accident Death: Air Crash: Self Rs.4 lacs and Spouse
Rs.2 lakhs. Other than Air crash: Self: Rs.2 lacs, for spouse Rs.1 lakh. For Baggage Rs.25, 000/- insurance.
Lost card liability: Excess of Rs.1000/- from the time of reporting of loss of card. Charges on Revolved Amount
outstanding liability: 2.5% pm(30% pa). Chequedishonourcharges : Rs.50/- Cash Withdrawal charges: 3% of transaction
amount with min. Rs.30/- per thousand or part thereof Copy of charge slip: Rs.100/- for domestic, USD 10 for
international or actual costs whichever is higher Request for Original Charge slip: USD2 if processed by our Bank and USD
6 if processed by other Bank. Notice/Reminder charges : Rs.50/- per notice Delayed payment beyond due date: 2% min.
Rs.10/- max Rs.150/- for cards with revolving facility. Cards without revolving facility: 2% min. Rs.20/- max. Rs.300/-
Free SMS on billing and transactions irrespective of value of transaction. Reminder for repayment of overdues over SMS :
Rs.5/- per SMS Duplicate card issue: Free. Foreign Currency transaction load (mark up) upto 3%.
Hotlisting fee: Rs.300/- Canara Rewards: Two reward points for every purchase transaction of Rs.100. Value of one
reward point is Rs.0.25. Reward points accrued on Debit card & Credit card cannot be clubbed. Reward points can be
redeemed after reaching a threshold level of 100 points and shall be redeemed within 12 months of date of accrual. The
management & maintenance of entire „Canara Rewards‟ Programme including redemption of the Reward points are
outsourced to M/S Loyalty Rewardz Management Pvt. Ltd. Cardholders are auto enrolled under
CanaraRewardzprogramme and are required to register through the website www.canararewardz.com for activation &
redemption of rewards points. All complaints received from cardholder shall be attended within 15 working days unless
interventions of external agencies are required.
CanaraRupay classic Credit Card : Has been launched in association with NPCI on 14.07.2018 and its features : Interest
free credit period – 20 to 50 days. B. Accidental Insurance coverage :Upto rs.4.00 lacs for self & Spouse, additional Rs.
1.00 lacs from rupay. C. Reward points : Two rewards for every non-cash Transactions of Rs.100.imu, d. add on card
Facility : Maximum upto 04 add on cards. E. Credit limits : rs.10,000 to rs. 3.00 lacs, f. Safe & secured with EMV Chip &
OTP.
Hotlisting of Cards Customer to file FIR / complaint with Police Station immediately, within 24 hours and Branch to
submit the claim to Head Office within 7 working days from the date of incident. However, reporting to be done
immediately on receipt of the information of the incident. Card has to be hot listed immediately through any one of the
following: Hot listing directly by customer: Call Center for Master /VISA (1800 425 0018) (The customer to give any of the
five specified credentials viz., Debit Card Number / CBS Account Number / Customer ID / Mobile Number registered in
his CBS account / Tax PAN, for hotlisting the Debit Card) Through Net Banking for registered users (retail customers).
Hotlist lost Debit/Credit card option in “CANARA SWIPE” App. SMS for hot listing Debit Card / Credit Card : Canara Debit
Card ( Master /Visa/Rupay) :Either Call1800 425 0018 or SMS CAN<space>HOTLISTDC<space>CARDNUMBER (16 digits) to
92666 23333
Canara Credit Card( Master/VISA):either call 1800 425 0018 or SMS CAN<space>HOTLISTCC<space>CARDNUMBER (16
digits) <space>DOB (YYYYMMDD) to 92666-23333 and Now also through CANDI app and for Credit Card -Canara Saathi
App.
Canara Gold Card :Eligibility: Satisfactory dealings, minimum income Rs.2, 00,000/- p.a. Usage: Globally. No enrolment
fee.Card inactivity fee : Rs.750/- Minimum turnover per annum for waiver of inactivity fee: Rs.25,000/- Add on card
free. Card inactivity fee: Rs.750/- .For waiver, usage Rs.25, 000/- per annum. Free Credit period upto 50 days. Minimum
Repayment on Revolving Credit: 5% of the billed amount with minimum Rs.100/- Card limit: upto 30% of gross annual
income.(Min-Rs.50000/-, Max- Rs.25 lakh). Cash advance limit against credit card amount: 50% of credit limit with a
maximum of Rs.50,000/-(Per day maximum limit of Rs.35,000/-). Complimentary insurance cover for Accident Death: Air
Crash: Self Rs.8 lacs and Spouse Rs.4 lakhs. Other than Air crash: Self: Rs.4 lacs, for spouse Rs.2 lakhs. For Baggage
Rs.50, 000/- insurance.Lost card liability: In excess of Rs.1000/- from the time of reporting of loss card. Charges on
Revolved Amount outstanding liability: 2.5% pm(30% pa). Chequedishonourcharges : Rs.50/- Cash Withdrawal charges: 3%
of transaction amount with min. Rs.30/- per thousand or part thereof Copy of charge slip: Rs.100/- for domestic, USD 10
for international or actual costs whichever is higher Request for Original Charge slip: USD2 if processed by our Bank and
USD 6 if processed by other Bank. Notice/Reminder charges : Rs.50/- per notice Delayed payment beyond due date: 2%
min. Rs.10/- max Rs.150/- for cards with revolving facility. Cards without revolving facility: 2% min. Rs.20/- max.
Rs.300/- Reminder for repayment of overdues over SMS : Rs.5/- per SMS Foreign Currency transaction load (mark up)
upto 3% Duplicate card issue: Free // Hotlisting fee: Rs.300/-
Canara Corporate Card (Domestic) :Borrower‟s account must be “Standard”. Non borrower must have 12 months
satisfactory dealings with us Main Card is a dummy card - Depending on the requirement of each firm add-on cards are
issued upto 99. Enrolment Fee Rs. 250/-
Card limit – Minimum of Rs.50, 000/- and Maximum of Rs.100 lakhs in multiple of Rs.5000/-. Card can be issued in
multiples of Rs. 5000/- Minimum limit on add on card is Rs. 10000/-Corporate card cash withdrawal limit – upto 50% of
card limit subject to maximum of Rs.5 lakhs – per add on card cash withdrawal limit – Rs.25000/- per calendar month.
Canara Secure Credit Card : Max 75 % of ledger balance for KDR and 75 % of principal amount for FDR Secured credit
card : Min Rs. 10000, Max Rs. 25 Lacs If revolving facility is opted, service charges shall be 2% per months plus service tax
is payable on revolved amount. Exempted from drawing CIBIL
Canara World Credit Card : Eligibility - Minimum Net Annual income of Rs.7.50 lacs. EMV CHIP & PIN based Card which
provides additional security against skimming & cloning. Global validity Facility tocustomers to choose back ground image
on theCard(personalized back ground image). Preview of the card with the back ground image will be made
available to the customer through web link, for approval. On approval of the card image by the applicant customer, the
card will be finally personalized & printed with the background image chosen & approved by the customer. Credit Card
Limit ranges from Rs.1.00 lac to Rs.25.00 lac. Cash withdrawal Limit Rs.50,000/-. Card issuance fee ( One Time ) of
Rs.2000/- per card issuance (No additional charges for issuance of EMV Chip card ). Annual fee: NIL. Inactivity fee, if the
Card is not used for a minimum annual turnover of Rs.50, 000/- per year @ Rs.1000 per annum. Revolving credit facility,
on option, @ 2.5% per month Cash withdrawal facility with service charges @ Rs. 30/- per Rs.1000/-. Card Bill payment
facility through NEFT. Accidental Insurance, Purchase protection cover & reward points : Similar to Gold Card. Lost Card
Liability: NIL from the time of reporting of loss of Card. Extant guidelines as applicable to normal Credit Cards shall be
applicable to Canara World variant also. Concierge services, discounts and other time bound offers by the Card
Association MasterCard to their `World‟ card variant as published in their official website are applicable to `Canara
World‟ also.
Bharat QR :Canara Bank as an acquirer: BHARAT QR from Canara Bank is a merchant app which serves as a payment
solution for CanaraBank„s merchants. Cusomer has to create QR code on the Canara BHARAT QR Merchant Application.
Bank has appointed the service provider for this purpose. Present Service Provider is ATOS Worldline and it is the same
agency that supports Physical POS machines presently.The app supports creation of both static and dynamic QR codes.
Merchant can view last four weeks transactions and history of last 6 months selectively. The merchant app provides auto
settlement. Canara Bank QR Merchant enrollment: Eligibility: Applicant merchant should have CA/OD/OCC a/c.
Satisfactory dealing for one year. Enrollment: CIBIL rating should be more than or equal to 700.If CIBIL rating is below
700 and upto 590 or Merchant has no credit rating, the proposal should be sanctioned by Circle Head. As a promotional
measure, DM of ROs is permitted to sanction BHARAT QR Merchant with powers for waiver of monthly service charges for
proposals that do not involve any MDR Concessions. The Canara BHARAT QR merchant code is supported on all handsets
with Operating systems Android 2.3 onwards.
Missed call alerts

SI. No. New Missed Call Numbers 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
E-lounge: E-lounge is an outlet where basic banking services are made available to the customer at a convenient /
comfortable place on a self operating basis. Customer can avail the banking facilities in E-lounges are: Cash deposit, Cash
withdrawal, Cheque deposit, Passbook updation, On line transactions through Netbanking (if enrolled for Net Banking). In
a nutshell E-lounge is a mini bank branch operated by the customer himself, without the intervention of Bank staff. It
also facilitates as an outlet for servicing and marketing of banking and banking related technology products with added
convenience to the customer.
Limits For Funds Transfer :For USSD /SMS customer: Within Canara Bank and IMPS (Inter Bank): Rs. 5000/- per
transaction. Maximum limit per day Rs. 5000/- For GPRS/WAP customer: Within Canara Bank and IMPS (Inter Bank): Rs.
200000/- per transaction. Maximum limit per day Rs. 200000/-
DIGITAL BANKING BRANCH 'CANDI'

Our Bank launched its first Digital Banking Branch 'CANDI' at Spencer Towers, M G Road, Bengaluru on 27th July
2017.Digital Branch is a cashless & paperless futuristic banking envisioned as a part of digital agenda of the Bank. It is
equipped with a suite of innovative, next-generation banking tools which use advanced technology to streamline services
and improve efficiency. These devices includes:
1. Customer On-Board Application which facilitates
2. App based token a Queue Management System to facilitate papertess appointment system via SMS to customer's mobile
phone using cloud based technology.
3. Digital Challan-For services requiring filling up a Challan, the customer will be presented with a Digital Challan to be
filled.
4. Digital Feedback System-On completion of the service, teller will provide a tab to the customer for rating the service
availed.
5. Video Banking - to facilitate the interaction with remote-site Subject Matter Expert on various categories of Retail
Loans Et Corporate Advances.
6. Interactive touch screen based 'Touch Banking' to enable the customer to understand about Banking products and
apply online for the products..
7. Cheque Deposit Kiosk Customers can deposit their CTS enabled cheques at this KIOSK that will scan the cheque in real
time and route it to the Clearing House directly.
8. Cash Deposit kiosk (BHA) : Accept the cash using debit card authentication No need of keying in account number and
no scope for credit to wrong account
9. Humanoid Robot : To entertain the basic queries of customers on banking products & services.
Payment Gateway: Presently, Bank is providing the Online Payment facility to our Customers desirous of collecting
their dues digitally. Bank has enrolled some of the LEADING ACTIVE PAYMENT AGGREGATORS in our EMPANELMENT. The
facility is available to the customers having their own website. Can be tied up for collection of funds through all the
channels like Net banking, Debit Cards and Credit Cards. Facility is available at nominal transaction charges.
Bank's own Payment Gateway will be made available soon.
Canara easy Cash in ATMs: Canara easy Cash service is designed to serve the migrant population who do not have
access to formal banking channels. This service facilitates fund transfers of small value for this segment of society,
giving push to the process of financial inclusion. This will also benefit student community who will be able to receive
funds without having an account. Canara easy Cash is the instant money transfer (IMT) service that allows our customer
to send money to any user having mobile, with the help of Canara Bank ATM at any time (24 x 7). The beneficiary need
not be customer of any Bank, and can withdraw cash through IMT enabled Canara Bank ATMs without any card easily
and instantly using the One Time Password (OTP) received through SMS and code shared by the Remitter.
Visa Bill Pay: "visa Bill Pay" facilitates 88 different utility Bill Payments now and more in future! Canara VISA cardholders
(Credit Card / Debit Card) may log in (www.visabillpay.in) to avail of this hassle free Bill payment facility. Purchases
through Canara Credit Cards rank for Bonus points.
Canara Bank Call Centre: Our Bank is providing Call Centre Services under Toll Free Number 1800 425 0018 round the
clock i.e. 24x7 except 3 National Holidays. Customers/Non-customers from any part of the country can get various
product and account related services from Call centre. A Toll Number 080-25129461 is also functioning for customers to
contact from any country in the world.
Canara Bank Web Chat/chat with us: "Chat with us" is an online Chat service available on Bank's website,
www.canarabank.com, for customers/Non-customers to clarify their doubts/queries instantaneously by chatting with the
Customer Service Desk of the Bank.
Twitter: Bank's twitter handle is www.twitter.com/canarabanktweet. Please follow to contact us and also get updates
on products and services of the Bank.
Youtube: Bank's Youtube channel is www.youtube.com/canarabankofficial. Please subscribe to get latest updates on
news, products and services of the Bank.
CODE NAME DIGITS
IFSC - Indian Financial System Code 11
MICR -Magnetic Ink Character Recognition 09
SWIFT-Society for worldwide interbank Financial Telecommunication ) 11
PAN- Permanent Account no. 10
UID /UAN – unique Identification Number 12
PIN – Postal Index Number 6
CIN-Cheque Identification Number/MMID 7
BIC ( BANK IDENTIFICATION NUMBER) 8
Salient Features of Canara RuPay Platinum Credit Card & Canara RuPay Select Credit Card:
Card features RuPay Platinum RuPay Select
Global validity Available Available
Credit Card Limit Ranges from Rs 1 lac to Rs.25 lacs Ranges from Rs 1 lac to Rs.25 lacs
Repayment facility Available Available
through alternate banking
channels.
Cash withdrawal facility Available with service charges @ Rs30/- per Available with service charges @ Rs30/- per
Rs 1000/-or part thereof. Rs 1000/-or part thereof.
Inactivity fee, if the Card Rs.750/- per annum - if the turnover is Rs.1000/- per annum - if the turnover is
is not used for a minimum below the threshold limit of Rs.25,000/- per below the threshold limit of Rs.50,000/- per
annual turnover year year
Insurance cover for Death AIR Accident: AIR Accident:
due to Rs 8.00 lakhs for self Rs 8.00 lakhs for self
Personal Accident – Rs 4.00 lakhs for spouse Rs 4.00 lakhs for spouse
for card holder and Other than Air Accident : Rs 4.00 lakhs for Other than Air Accident : Rs 4.00 lakhs for
spouse self Rs 2.00 lakhs for spouse self Rs 2.00 lakhs for spouse
Lost Card Liability: In excess of Rs. 1000 from the time of In excess of Rs. 1000 from the time of
reporting of loss of Card reporting of loss of Card
Baggage Insurance: Rs.25,000/ Rs.25,000/
Purchase protection Rs.25,000/ Rs.25,000/
cover:
Reward Points from M/s 2 points for every Rs.100/ txn. for 2 points for every Rs.100/ txn for purchases/
Loyalty Rewards purchases/ payments. Value of each point is payments. Value of each point is Rs. 0.25/-.
Rs. 0.25/-.
Reward Points from M/s 2 points for every Rs.100/ txn. for 2 points for every Rs.100/ txn. for
Loyalty Rewards purchases/ payments. Value of each point is purchases/ payments. Value of each point is
Rs. 0.25/-. Rs. 0.25/-.
10. Insurance company- M/s ORIENTAL INSURANCE COMPANY LTD w.e.f 08.08.2019. Strict adherence to time norms in
reporting / intimation and submission of Insurance claim forms. Salient features of Policy: This policy covers frauds
committed by fraudsters causing loss to Debit/ Credit/ Prepaid Card Holders/ ITPC. The Card holder should report
the incident to Bank within 15 days from the date of first incident. Branch should ensure that the Card is hotlisted
immediately, positively within a maximum period of 2 working days from the date of reporting by the customer i.e
within 17 days from the date of first incident. Card holder should also lodge police complaint within a maximum
period of 2 working days of knowledge of the incident i.e. within 17 days from the date of first incident and submit a
copy of the complaint to the Branch immediately. Frauds committed due to negligence of customer and Card lost in
transit (delivery from issuer to end user) is not covered. Branches should hotlist the card immediately on receipt of
the complaint and advise the customer to lodge police complaint within 2 working days if not already done and
submit to the Branch.The maximum amount of loss covered per card is as below :
Card Variant Sum Insured (INR) – Individual (each in
excess of Rs 1000)
Canara VISA / MASTERCARD / RUPAY Credit cards (Classic / Standard / Visa 200000
Corporate Cards), Canara Domestic / Global Debit Cards
Canara VISA/MASTERCARD/RUPAY Credit Cards (Gold/ World/ Platinum/ Select 500000
), Canara Platinum / Business Debit Card
Prepaid Cards (Domestic) 50000
Prepaid Card – International Travel 300000
“CANARA INSTA DEPOSIT LOAN” (CIDL). Eligibility Individual Retail Internet Banking Customers/ Users having online
Domestic – Fixed / Kamadhenu deposits only. 2 Purpose Personal / Domestic needs only. 3 Loan amount Maximum75% of
the deposits opened through Internet Banking ORRs.10.00 lakhs whichever is less. 4 Margin 25%. 5 Rate of Interest 2%
over the deposit rate of interest. 6 Tenure of Loan 1 day less than the Term Deposit maturity date opened through
Online. 7 Documentation-No documentation is required for CIDL. 8 Ineligible Deposits- Recurring Deposits, NRE Deposits,
Tax-saver Deposits, Capital Gain Deposits, Deposits in the name of Minors/Joint Depositors/employees of our Bank/
Trusts/Companies/ HUFs/Third Party. 9. Other features Customer can exercise the option of servicing the interest on
monthly basis from his operating CASA linked account or Interest to be debited at the time of closure of loan. 10
AutoLiquidation- If the stipulated margin reduces to 10% of the value of the security system will automatically liquidate
the online deposit, by clearing the outstanding liability and credit the balance amount to the operative savings account.
“Digital India” programme was launched by the Hon’ble Prime Minister on 1st July 2015, with a vision to transform India
into a digitally empowered society and Knowledge economy. Government of India has decided to celebrate 1st July as
“Digital India” anniversary.
3.CBS VERSION 11.8 - NEW FUNCTIONALITIES OF CBS VERSION 11.8
Single sign on for FCR / FCC, Customer 360 degree view, Enhance customer search, Funds Projection. Lucky account no
maintenance, Single login will allow the user to open 8 screens & allow the user to toggle between the screens
seamlessly, Single logout will exit from all 8 tabs, Contra transaction enquiry option in –CH031 / GLM04, Transaction on
inquiry / change user option in GLM01,Option to execute S I / SWEEP OUT either at EOD or BOD, Amount based
operation instructions, Expiry date of customer / account memo instructions, Bulk signature upload authorization ,Single
customer base – No need to replicating customers from retail to corporate, Control over GL, Access to GL can be
controlled branch wise, GEFU registration for GL, Customer Alerts, Introduction of multiple level sweeps, Nomination
maintenance at sweep out level. Reverse sweep out, Highlighting of fields during authorization, Temporary funding
limit –TFL, Cheque mandate maintenance, Virtual accounts, Generation of form 60 through system, Sms module
brought under FCC, Denomination maintenance, Inbuilt RTGS / IMPS module, Enhanced handling of NEFT / RTGS ABPS,
Two level authorization for high level transactions, Detailed NSF ( Non sufficient fund ) rejected inquiry, LC / BG
commission calculation based on days & tenor wise, LC fin amendment confirmation, Creation of loan account on
crystallization, Comprehensive TDS inquiry, Introduction of additional HOT KEYS , screen optimization , usability,
Provision for opening goal account under CASA, New features in TDS handling.
CBS 11.8 FREQUENTLY USED OPTION (In highlighted red is old Path)
CASH SB & CA A/C OPENING/CLOSING RD A/C OPENING/CLOSING

9007 (Buy Cash) OPENING OPENING
DEPOSIT CIM62 (Terrorist List Verification) 1000 (Search Existing Cust ID)
1401(Cash Deposit) CIM61 (KYC Maintenance) CIM51
CIM50 8051 (Account Opening)
1356 (FD Mixed Payin) 8053 (Customer Addition) BX526 (Nominee Maintenance) BA438
1420 (Cash Deposit in RD) 1421 CHM51(Lucky A/C No. Generation) 1420 (RD Installment Payment) 1421
1460(GL Misc Credit against Cash i.e 8051 (Account Opening) CLOSURE
ATM, Fees)
WITHDRAWAL CIM09 (Customer Master Maintenance) CH001 (CASA Account Closure)
1001(Cash Withdrawal from WOF) CH021 (Account Master Maintenance) 7301 (RD Close out Payment) 1320
1013 (Cash Withdrawal from CIM18(CBR Maintenance) PRINTING
Cheque)
1060 (Coolie/ATM Cash) BX526(Nominee Maintenance) BA438 70610 (RD Passbook Issue/Lost ) 7061
2440 (SB Closeout payment) 1320 CIM22(If Current Account) 70110 (RD Passbook Update) 7011
LOAN SCANNING & AUTHORIZATION ENQUIRY/OTHERS
7022 (Arrear Amt Payment) 1065 CI401 (Image Maintenance) CH011 (RD Account Closure Enquiry)
7042 (Advance Amt Payment)1068 7102,7104,7106
7117 (Bulk Sign CH013 (RD Maturity Instructions)
7024 (General Loan Closing) 1067 Authorization/Cancellation)
7106(Image Display) CH021 (Account Master Maintainance)
1670 (Agriculture Loan Payment) PRINTING CH067 (CASA Interest Enquiry)
1072
1690 (Agriculture Loan Closing) 7030(New Passbook) CH133 (RD Audit Trail Enquiry) CH033
Demand Draft 1078 7010(Passbook Update) CHM31 (Standing Instructions
8305(DD Issue against Cash) CLOSING Maintainance)
7793 (DD Liquidation Against Cash) CH001(Closing of Account)
8310 TDR 2440 (Payment by DEMAND DRAFT
1402 (TD Quick Payin by Cash) Cash/Transfer/DD/NEFT) 1320
REOPENING OF A/C CASH
1356(TDR Mixed Payment) CH111 (Reopen CASA Account) 8305 (Against Cash)
7201 (TDR Redemption) 1358 TRANSFER
7301 (RD Close out Payment) 1320 1014 (Against CASA)
NEFT/ IBA/BAR 8306 (Against GL)
2057 (Outgoing Payment Initiation) 5511 (Consolidate DD Issue)
8335(NEFT against Cash Up to Rs. PRINTING
49,999.00)
8416 (IBA Against Cash) 9019 (Buy DD from Vault)
8423(Issue IBA/BAR) 5525 (DD Printing)
7799(Respond IBA/BAR) 8419 REPRINT/REISSUE
6201 (Cash Balancing) 7783 (Reprint in case of Lost)
9008 (Sell Cash) ST074 (DD Enquiry)
7789 (Duplicate DD Status Inquiry)
7793 (DD Liquidation) 8310
7796 (DD Revalidation) 8325

7797 (DD Lost Inquiry 8315
TD A/C OPENING/CLOSING TRANSFER CARD MAINTAINANCE

OPENING GLM01 (Multiple Debit and Credit) CM01 (ATM Card Maintainance) CMS01
For Old Customer 1005 (Fund Transfer GL to GL) 8318 (Cardless Withdrawl Initiation)
1000 (Search Existing TD A/C) 1006(Fund Transfer CASA to CASA) 7794(Cardless Withdrawl
payment/Cancellation)
1007(TDR Payment by CASA) 1007(TDR Payment by CASA) GST
1021 (TDR Payment by GL) 1008(Debit CASA and Credit GL) GSX02 (Commission Maintainance)
GST02
1356 (TDR Mixed Payment) 1091(CASA to CASA future date GSX03(Comm Reversal Maintainance)
Transfer) GST03
1402 (TD Quick Payin by Cash) 1408(Debit GL and Credit CASA) GSX05 (Vendor Master Maintainance)
GST05
6505 (TDR Payment by CHEQUE) 7799(Respond IBA/BAR)8419 GSX06 (Vendor Txn Maintainance)
GST06
BX526(Nominee Maintenance) 8417 (IBA against GL) GSX08 (Vendor Transaction Reversal)
BA438 GST08
For New Customer 8418 (IBA against CASA) IMPS , NEFT & RTGS
CIM62+CIM61+8053+CIM18 8423 (Issue IBA/BAR) 8445 (IMPS Funds Transfer at Branch)
8054(Account Opening) 8445 (IMPS Fund Transfer) 8335 (NEFT Single Debit Multiple
Credit)
1356(TDR Mixed Payment) 9540 (Reversal of latest Cr Txn in 2057 (NEFT Outgoing Payment
Gen Loan) Initiation)
6505 (TD Paying by Cheque) 9550(Reversal of latest Cr Txn in PM043 (NEFT Outgoing Payment
Agri Loan) Authorisation)
BX526 (Nominee Maintenance) CH050 (CASA Billing PM044 (NEFT Outgoing Payment
BA438 Transactions)BAM50 Release/Reject)
SCANNING ( For New Customer) OTHER CASA TRANSACTIONS 2055 (RTGS Outgoing Payment
Initiation)
CI401 (Customer Image Maintenance) CIX45 (Form 60 Entry) PM033(RTGS Outgoing Payment
Authorisation)
PRINTING 5004 (Cheque Book Request) PM034 (RTGS Outgoing Payment
Release/Reject)
9019(Buy TDR from Vault) 7115(Amt Based Operating PM025 (RTGS Payment Transaction
Instruction Maint) Enquiry)
TD043 (TDR Printing)TD046 7116 (AmT Based A/C PM037(RTGS Payment Benefi Master M
Image/Operating Instruct) aintenance)
CLOSURE 7117 (Bulk Authorisation AGRICULTURE ADVANCE
/Cancellation of Images)
7201 (TDR Redemption)1358 CH022 (CASA External BankiFacility) ALX25 (Agri Loan Restructure) AL525
ENQUIRY/OTHERS CIM71 (Cust Short Name Chang-7101 ALM83 (Agri Loan Account Rate)
TD039 (TD Multiple payout BX526 (Nominee Maintenance) LN079 (Loan A/C Variance)
Instructions) BA438
7020 (TD Balance Enquiry) BA452 (GEFU File Upload)A450 ALM10(Agri Loan A/C Transaction
Enquiry)
TD030 (TD External Lien History) BAM96 (GEFU File UploEnquiry)BAM94 AL522 (Agri Loan A/C Schedule
Enquiry)
TD044 (TD Transactions Enquiry) CH031 (CASA Statement Enquiry) 7066 (Agri Loan Balance Enquiry)
ENQUIRY/OTHERS OTHER CASA TRANSACTIONS GENERAL ADVANCE
TD050 (TD Interest Enquiry) CH033(Avge Qtr/Average 1000(Search Existing Cust ID)
MonBalance)
TDM24 (TD Lien Master) CIX40 (Customer Signature History LN057(General Loan Direct Opening)
Enquiry)
TDS03 (TDS Tax Waiver) 7008 (Last 10 Transaction details) CIM09(Customer Information
Maintainance)
TDS11 (TDS Enquiry) CIM22(Customer Additional
IMaintenance)
TDS14(Deposit Tax Refund)TDS13 BA020(Account Additional Info Master)
7018(TD Interest Payout Enquiry)1337 LNM99(Loan Account CBR Details)
AGRICULTURE ADVANCE OD/CC BAM83(Loan Account Rates)
1000(Search Existing Cust ID) 1000 (Search Existing Cust ID) CI142(Cust A/C Relations Maintenance)
AL057 (Agri Loan Direct Opening) 8051 (OD/CC A/C Opening) LNM34 (Loan Collateral Link)
CIM09(Customer Information Mas CIM09(Cust Info Master BAM74(Collateral HeadeMaintenance)
Maintainance) Maintainance)
CIM22(Customer Additional CIM22(Cust Additional Info LN521(General Loan Disbursement)
InMaintenance) aintenance)
BA020(Account Additional Info CH021 (Account Master 7034 (Gen. Loan Disbursement)1413
Master) Maintainance)
LNM99(Loan Account CBR Details) BA020 (Account Additional Info 7022 (Gen Loan Arrear Payment)
Master) 1065
BAM83(Loan Account Rates) BAM83 (Mis Xref Maintenance) 7023 (Gen Loan Partial Payment)1066
CI142(Cust A/C CHM08(CBR Code Maintenance) 7024 (General Loan Closing) 1067
RelationshMaintenance)
LNM34(Loan Collateral Link) CHM07 (OD Limit master 7042 (Gen Loan Advance
maintenance) Payment)1068
BAM74(Collateral Head Maintenance) BAM74 (Security Header 7025(To close the Cr balance
Maintenance) A/CStatus)1412
AL521(General Loan Disbursement) CHM06 (OD Security Maintenance) 7055 (Loan Contribution Payment)
1660 (Agri. Loan Disburseme1415 CHX17 (OD Limit Enquiry CHM17 9540 (Reversal of latest Cr Txn in
Loan)
1670 (Agri Loan Arrear Payment) CH055 (OD Limit History Enquiry) LN050 (Loan Billing Transactions)
1072 BAM50
1680 (Agri Partial Payment) 27 CH066 (OD Collateral Enquiry) LNM31 (Gen Loan Drawdown)
1690 (Agri Loan Closing) 78 CHX99(CASA A/C Audit Trail LN031 (Drawdown on Priority basis)
Enquiry) CHM99
1730 (Withdrawal from Credit CH067 (CASA Interest LNM38(Gen Loan Increase/Decrease)
Balance KCCS)1422 Enquiry)CH007
7025 (Closure of Cr balance A/C CH011 (CASA Account Closure LNX25 (Non-Agri Loan
)1412 Enquiry) Restructure)LN525
CH050 (CASA Billing LNM83 (Gen Loan Account Rate)
Transactions)BAM50
9550(Reversal of latest Cr Txn in AGRICULTURE ADVANCE LN079 (Loan A/C Variance)
Loan)
AL050 (Loan BilliTransactions)BAM50 ALX25 (Agri Loan Restructure) LNM10 (Gen Loan A/C
AL525 TransactioEnquiry)
ALM31 (Agri Loan Drawdown) ALM83 (Agri Loan Account Rate) LN522 (Gen Loan A/C Schedule Enquiry)
LN031 (Drawdown on Priority basis) LN079 (Loan A/C Variance) 7026 (Loan Balance Enquiry)
ALM38(Agri Loan aIncrease/Decrease) ALM10(Agri Loan A/C 7100 (Account Balance Enquiry)
TransactioEnquiry)
AL522 (Agri Loan A/C LN089 (Loan A/C Repricing)
SchedulEnquiry)
7066 (Agri Loan Balance Enquiry)
7100 (Account Balance Enquiry)
4. LATEST CHAGES AS PER CIRCULARS OF 2021 IN DIGITAL BANKING
1.The circular defines Role of Branches/Circles/CPHs/Wings at Head Office  Standard Operating Procedure for Branches
and CPHs for opening of accounts is given in the circular.  Timelines for centralized opening of CASA account- if SB
account opening form is submitted before 3.30 pm, then same is to be opened on very same day within 2 hours. Second
level escalation to RO MIPD section if account is not opened after T+1.  Other time line is followsActivation of Account-
2 hours Activation of Account at Express desk -Within 15 minutes of receipt of application Sending welcome/thanks giving
message-T + 0 Day [ same day ] CKYC updation- T + 1 day [ next day ] Sending personalised cheque book & Debit Cards by
DBS wing to customer- T + 5 days Delivering of undelivered cheque book/debit card to the base branch - T + 11 days
Disposing off the undelivered cheque book / debit card- T + 15 days.
2. Personalised Debit Cards (VISA/MasterCard/RuPay) lying undelivered at branches/CPHs beyond a period of THREE
months from the month of issue (printed on the card) shall be destroyed at the Branches/CPH after exhausting all steps
for delivery of the same.
3. Entering the correct details of the remitter while accepting cash deposits - Entering the Narration field in CBS option
1401 is mandatory w.e.f.11.08.2021
4. The following modifications in the Sweep-in / Sweep-out facility with change ::  All Sweep-out (to TD) frequency
shall be changed to "weekly". Next Sweep-out date shall be modified as next Monday. In case Monday is holiday or last
day of the month, the sweep out will happen on next working day.  Penalty for Premature Closure of Sweep out TD:
Penalty of 0.50% at the applicable rate for the period, the withdrawn TD amount has run.  Revised minimum threshold
balance in - Current A/c – Rs. 5 lacs, Staff A/c- Rs. 50k, SB Institutional- Rs. 5 lac, Other SB General- Rs. 1 lac. Multiples
for sweep-out TD isCurrent A/c – Rs. 5 lacs, Staff A/c- Rs. 10k, SB Institutional- Rs. 5 lac, Other SB GeneralRs. 10k. 
Threshold and multiple of TD shall be modified to Rs.5.00 Lakhs for instructions in Corporate Current accounts.  All
sweep-out (to TD) instructions in Other Current accounts (other than Corporates) shall be revoked.  In case of Staff
accounts threshold shall be modified to Rs. 50,000 and multiple of TD SB Institutional shall be modified as Rs 1.00 Lakh &
Rs 5 lakh.  All sweep-out instructions wherein the TD period is outside the tenor range of 15 days to 181 days shall be
revoked. However, GM- SP&D wing may permit the same selectively.  Accounts Opened under PFMS Platform- for all
child PFMS account- threshold limit is Zero.
5. Account under product 295 - is to be used for handling salary cheques for multiple credits/ or any other authorised
specific purpose. Account under product 296 - is to be used for making utility bills payments through On-line/e-payments
as part of Digital India and Go Green Initiatives.
6. New SB account – Canara SB PFMS is designed to open SB accounts for Public Financial Management System for all
Central Sector Schemes. The accounts can be opened by Government department and government institutions only (G1-
Central Government in CBS category customers) No minimum balance maintenance restriction. Debit Card, Passbook &
Mobile Banking facility not available.Internet Banking facility with only view facility available. Account opening
permitted only at specific branches, selected and permitted by the Circle Head. Accounts to be opened under Product
Code – 140 NEFT, RTGS, SMS charges, Cheque book Charges etc waived in this product code.
7. One Time Settlement scheme (OTS) for repeated restructured standard accounts under Agriculture -“RRSA OTS
SCHEME” from the drop down box under tab Compromise Scheme in BA154 option, while entering the compromise details
of accounts settled under the subject Scheme.
8. CGTMSE SAS package- incorporation of NPA marking and claim preferment module- All MSE accounts with exposure of
above Rs.10.00 lakh with no upper ceiling and also hybrid model CGTMSE accounts where Guarantee Code is updated as
“CGTMSE-100000105” in BAM83 shall flow to SAS package for coverage. CGPAN and related details upon coverage
updated in CHX10 functionality by Circles shall be pulled into SAS package from CBS at EOD.
9. All MSE accounts with exposure of above Rs.10.00 lakh with no upper ceiling and also hybrid model CGTMSE accounts
where Guarantee Code is updated as “CGTMSE-100000105” in BAM83 shall flow to SAS package for coverage. CGPAN and
related details upon coverage updated in CHX10 functionality by Circles shall be pulled into SAS package from CBS at
EOD. Any account with Credit Guarantee code as “100000105” in BAM 83 upon turning to NPA shall flow to NPA marking
module for data enrichment. Respective Circles upon marking of NPA in CGTMSE portal shall update the NPA marking flag
as “Y” in CHX10 in CBS invariably. Updation of details and Valuation of Securities in CBS under BAM74 / LNM34 / ALM34.
10. Large Credit information is being shared to RBI through Central Repository of Information on Large Credit (CRILC) -
Main Return. Reporting of Group Code to RBI is mandatory. It is mandatory to link all Customer IDs having large
exposure (Rs. 1 Crore and above) with Group Code. Fast path to link borrowers Customer ID to Group Code in CBS is
CIX24. Customer IDs of Large borrowal accounts not belonging to any group, should be linked to Group Code –
Z9999_Individual/ Not belonging to any Group.
11. SOP – closure of Canara DiYA account completed 1 year without customer due diligence -To complete CDD
(Customer Due Diligence) process within 14 days, upon opening of account through Canara DiYA, bank is following up thru
call centre. Further System based closure will be effected for all accounts opened using OTP based e- KYC, in non-face-
to-face mode through Canara DiYA on completion of one year, if Customer Due Diligence (CDD) is not completed. After
closure, closing proceeds will be credited in SL Parking GL “209272431” on same day. Branch to issue DD and send to
concerned customer with in T+2 days. Upto Rs. 20k can be paid in Cash and more than Rs. 20k has to be mandatorily
given through DD/RTGS/NEFT. Monthly compliance report to be submitted by branches to RO before every 5th of
succeeding month.
12. Door step banking services undertaken by PSBs will be now managed by M/s PSB Alliance Pvt Ltd on behalf of all
PSBs.  The services can be availed by all individual category customers at nominal charges initially at 100 Centres. 
Agencies engaged by M/s PSB Alliance Pvt Ltd for DSB Services are as under: o M/s Atyati Technologies Pvt Ltd – 60
Centres (Toll free No.- 18001213721) o M/s Integra Micro Systems Ltd - 40 Centres (Toll Free No. – 18001037188) 
Customer can Cash Withdrawal (minimum Rs.1,000/- and maximum Rs.10,000/- per request). Further Cash Deposit
Services through DSB will be started shortly.  Under non-financial services, Pick services like- cheque collection, cheque
book requisition, IT/GST challan with cheque, Life certificate & Standing Instruction and in Delivery services of
statement of a/c, TD receipt, TDS & Form 16 delivery, Pre paid instrument, demand drafts etc delivery is available. 
TAT- All requests generated by the customers up to 3.00 PM should be completed within 3 hours of request generation
and requests generated after 3.00 PM should be completed by 1.00 PM next working day.  Nominal charges of Rs.75/-
plus GST (Total Rs.88.50) per booking will be charged to the customer for availing Doorstep Banking Services at each
time.  Customer can apply for services thru DSB mobile app, website or from our bank internet banking and mobile app
also. Maximum cumulative fund transfer limit is Rs. 25,000/- per day).
13. The 12 Digit account number pattern is already implemented in CBS 11.8 for eSyndicate branches since December
2020. Now, the 12 digit account number pattern is being implemented for all branches w.e.f 27.07.2021. The 12-digit
account number pattern is having the following features-First digit will be constant, next two digits denote Product
family code, next eight digits shall be running serial number for the particular product family and last digit denotes
check sum. The existing 13 Digit and 14 Digit account numbers under all products of sCanara and eSyndicate shall
continue till closure of such accounts and customers can continue to use their existing account numbers.
14. Currency Wallets in Canara Bank International Travel Prepaid Card reduced to three Viz: USD, AUD, EURO with
immediate effect. Fresh issuance & load /re-load shall not be done in existing GBP, CAD,SGD & AED currency wallets
of Canara Bank International Travel Prepaid Card Existing balance in GBP, CAD,SGD & AED currency wallets will be
allowed to be utilized till the balance in these wallets is exhausted.
15. EVV is Electronic Voucher Verification, which is used for verification of branch teller transactions by a second
supervisor before EOD, other than supervisor who has authorized the transactions initially.
New VOUCHER VERIFICATION SCREEN (BAX77) has been introduced for verification of all Teller wise voucher entries by a
Supervisor other than the supervisor who has authorized the teller transactions.
New Screen for Branch in charges (BAX78) introduced to ensure verification of all Teller wise Transactions with Number of
Credit/Debit Slips, Respective Totals and also to ensure verification of all voucher entries made by all the MAKERs at
branch level by the Supervisor other than the supervisor who has authorized the teller transactions. New Screen for
RO/CO officials ( BAX79 ) has been introduced for assigning VV process to a specific supervisor in exceptional
circumstances arising out of Single supervisor Br or Supervisors on leave/ ontemporary official commitments for a
specific day etc.
16.IT Asset Management System focuses on centralized inventory and management of financial data of IT assets including
purchase cost, current asset value, etc. The solution tracks and monitors all IT assets installed across the Bank and
provides 360-degree view.
17. Bank has introduced a integrated Modules in SAS Portal to maintain Master data of Panel Advocates, Panel Valuers,
Direct Selling Agents (DSAs), Vehicle Dealers & Approved Builders (Including Approved Builder’s Authorized Marketing
Officials) and Approved Housing Projects. This module is having Facility to make payment of fee/commission through
integration of these modules with LAPS and CBS.
18. Standard Merchant Discount Rate (MDR) and Standard Rent for MEs (POSEDC / BHARAT QR) with effect from
01.07.2021.
Followings are the revised standard MDR fixed for Merchant Establishments (MEs)(POSEDC / BHARAT QR)
Transection Value MDR (POS MDR (Bharat QR)
Machine)
Rupay debit cards Any Value Nil Nil
For VISA
and Master Card
i) For Small Merchants (Turnover Transaction value up to (MDR cap of Rs.200/- (MDR cap of Rs.200/-
upto Rs.20 Lakhs during last Rs.2000/- (in a single per transaction). per transaction).
FY). transaction)
Transaction value -Do- -Do-
above Rs.2000/-
ii)For Other Merchants Transaction value up to -Do- 0.30% (MDR cap of
(Turnover above Rs.20 Rs.2000/- (in a single Rs.200/- per
Lakhs during last FY). transaction) transaction).
Transaction value 0.90% + GST 0.80% + GST
above Rs.2000/- (MDR cap of (MDR cap of Rs.1000/-
Rs.1000/- per per transaction)
transaction).
For Credit Cards- Clasiss Credit cards- 1.5%+GST, Premium Card- 2.25% + GST, Super Premium Cards- 2.50%+GST & For
International Debit & Credit Cards- 3%+GST MDR Charges are applicable.
Revision of standard rent fixed for MEs (POSEDC / BHARAT QR) for POS Terminals
TYPE OF ME STANDARD RENT PER MONTH IN RUPPES
QR CODE 50+ GST
MPOS 200 + GST
PSTN(WIRED POS) 400+ GST
GPRS WITHOUT PRINTER 450+ GST
GPRS WITH PRINTER 500+ GST
ANDROID POS WITHOUT PRINTER 550+ GST
ANDROID POS WITH PRINTER 600+ GST
The delegation of powers for providing sanction /concession in MDR and Rent of MEs are enumerated in circular 396/21
dated 08.06.2021
20. PSB Reforms Agenda - Enhanced Access & Service Excellence (EASE) 4.0 – Technology Enabled Simplified and
Collaborative Banking
Govt of India has mandated that all PSBs shall implement Reforms Agenda “Enhanced Access & Service Excellence
(EASE)”  The tag line adopted for EASE 4.0 is “Technology Enabled Simplified and Collaborative Banking”There are 26
action points under EASE 4.0 covering following 6 themes viz., 1. Smart Lending for Aspiring India 2. New Age 24x7
banking with resilient technology 3. Collaborating for Synergistic Outcomes 4. Tech-enabled Ease of Banking 5.
Institutionalising Prudent Banking 6. Governance and Outcome-centric HR  The performance of the Bank needs
improvement in tune with the actionable area as suggested under the EASE agenda, to improve ranking under EASE 4.0
and to be among the top 3 PSBs in FY 21-22.  Branches/Regions/Circles are directed to implement the action points
suggested herein for ensuring better outcome. Performance of the Bank under EASE will be linked with APAR of two
levels below the Whole Time Directors (WTDs).
21. Digital Products Dashboard under Power BI is introduced w.e.f. 03.07.2021 for access to all the Branches/Regional
Offices/Circle Offices to get the present Digital Business Position vis-a-vis the target allotted. The Digital Products
Dashboard contains data for Digital Enrollment & Transactions, Campaign Data, Trend (providing monthly, quarterly,
yearly trend on Digital Enrollment), Circle wise customer enrollment under different channels, transactions analysis, ATM
Transactions, Nil ATM transactions/ CDM, Circle-wise/ RO- wise rankings, most used features of Internet Banking/Mobile
Banking and Population Category wise e- transactions trends etc. It also shows geographical distribution of enrollment of
Digital Products. All branches are requested to log in everyday to assess the position, plan for the day and achieve the
targets assigned.
22. DOP IN CREDIT CARDS :Delegation powers of authorities up to Scale III for sanction of Credit Card Limit of Rs.
50,000/- to Individuals restricted to specified Customer segments. i. To salaried class where salary is being credited in
their account with our Bank for the last SIX months. ii. All Government & PSU employees (both State & Central
Government) & Quasi Government Employees who are confirmed in the service. iii. To all pre-verified customers as per
the data provided by DBS Wing: HO with low and normal Credit Risk iv. Secured Credit Cards against the security of
FD/KD (up to the Delegated powers) iv. To all Mortgage based loan borrowers where repayment is prompt and not
reflected in SMA1/SMA2 during the last six months. v. Customers where average balance in SB/Current Account for the
last 12 months is Rs 50,000/- & above  Full Sanctioning powers of Credit Card Limit as per Delegation powers vested
with Scale IV & above authorities only.  Sanctioning powers for Corporate Credit Card Limits vested with Scale IV &
above authorities  Non-personalized Credit cards discontinued now with immediate effect.
23. As a fillip to Government of India’s initiative in strengthening economic relationship with Singapore, South Korea and
UAE, National Payment Corporation of India has entered into Network connectivity arrangement with NETS Network in
Singapore (POS Terminals), BC Card network in South Korea (ATM, POS and e-Commerce) and Mercury Payments Services
Network in UAE (ATM, POS and e- Commerce) and enabled acceptance of RuPay cards issued in India at their Merchant
locations. With the new arrangement, all Canara Rupay cards including the existing cards would be accepted at Merchant
locations and ATMs in Singapore, South Korea and UAE. The Service charges of Rs. 200/-+GST for Financial transection
& Rs. 50/-+GST for non-financial transaction to be levied on our customers for usage at ATM in Singapore, South Korea
and UAE. Card limit for per day usage will be same as it is in India.
24. Restricting NEFT & RTGS Inward & Outward Transaction to Single GL 209272434
25. IMPLEMENTATION OF ENHANCED PER TRANSACTION LIMIT FOR IMPS TRANSACTIONS FROM RS. 2 LAKHS TO RS. 5
LAKHS w.e.f. 25.10.2021 In this regard, enhanced IMPS transaction limit of Rs. 5 Lakhs from Rs. 2 Lakhsw.e.f.
25.10.2021.
26. The Contactless card have a contactless symbol of Radio frequency Identification (RFID) antenna that uses NFC
technology for making payment at contactless Payment terminals upto the threshold limit without PIN authentication.
Our bank has Enhanced contactless card transaction threshold Limit from Rs 2000/- to Rs 5000/- per transaction without
PIN authentication. Beyond transaction limit of Rs 5,000/-, the card has to be processed with PIN authentication only.
27. Our bank has introduced 2 new functionality in our Internet banking Lite version- Opening of Joint FD if the source
account is a Joint Account with operating instruction as either or Survivor/Former or Survivor. Now customer can view
Sweep in balance after logging into internet banking lite version.
28. To avoid cash-outs in ATMs RBI has directed Banks to strengthen their systems/ mechanisms to monitor availability of
cash in ATMs and ensure timely replenishment to avoid cash-outs. In this regard RBI has formulated “Scheme of Penalty
for non-replenishment of ATMs”. W.e.f. 01.10.2021- Penalty of ₹10,000/- if cumulative cash out in ATMs exceeds 10 hours
in a month. If any penalty arises on account of cash-out in ATMs, the concerned officials shall be held Accountable.
29. Positive Pay System is one of the very effective cheque fraud prevention tools. The concept of Positive Pay involves a
process of reconfirming key details of cheques of Rs. 50,000/= and above. Customer can submit the request for
registering under Positive Pay System thru Branch, Net banking, SMS, Call Center & mobile banking. There is a need for
popularizing the positive pay system among the customers which will help in reducing the risk of cheque related frauds to a
greater extent. Branches/Offices to popularize the utilization of Positive Pay System among customers.
30. Submission of Digital Life Certificate by Pensioners and Fall Back Mechanism process through PSB Alliance -
Doorstep Banking Services. Illiterate pensioners are not eligible to avail DSB Services for submission of Life
Certificate.
Vendor URL
M/s Atyati https://branch.doorstepbanks.com/
M/s Integra https://dsb.imfast.co.in/doorstep/portallogin
31. Implementation of VCIP- Video Based Customer Identification Process for Submission of Life Certificate by
Pensioners SALIENT FEATURES OF VCIP FACILITY; 1. VCIP Facility is for the pensioners residing in India only.
2. No charges for availing this facility.3. The Process involves Identification of Pensioner, Capturing of PAN Card,
Aadhaar, Signature and Location. 4. On completion of VCIP process, Life Certificate will be uploaded to Pension Package
automatically. 5. The complete VCIP Process will be completed by CPPC Staff.
32. DigiLocker facility in Internet Banking Lite version for updatng the below details of the Customer 1. Communicaton
Address 2. PAN
33. UPI 2.0 facilitates Person to Person (P2P) transactons and accommodates Person to Merchant (P2M) payments.
Transaction P2 P / P2 M P2M (Off-line & On-line) P2m Verified Merchant with Certain MCC as per
Type NPCI-OC82#
Amount (Rs.) 2,000 1,00,000 2,00,000
5. RECALLED & EXPECTED QUESTIONS
A. LATEST QUESTIONS ON CIRCULARS & RBI GUIDELINES
ONE LINER QUESTIONS ON DIGITAL BANKING
1. As per RBI directions dated 19.5.21, it is be mandatory for PPI issuers to give the holders of full-KYC PPIs (KYC-
compliant PPIs), the interoperability through authorised card networks (for PPIs in the form of cards) and UPI (for
PPIs in the form of electronic wallets) by which date? -31.3.22
2. As per RBI directions dated 19.5.21, the maximum amount outstanding in respect of full-KYC PPIs (KYC-compliant
PPIs) has been increased from Rs.1 lakh to ___lakh. -Rs.2 lac
3. As per RBI directions dated 19.5.21,the feature of cash withdrawal shall be permitted in respect of full-KYC PPIs
issued by non-bank PPI issuers,with a max per transaction limit of Rs... Rs.2000
4. As per RBI directions dated 19.5.21, the feature of cash withdrawal shall be permitted in respect of full-KYC PPIs
issued by non-bank PPI issuers, with a max per month limit of- Rs.10000 -
5. As per RBI directions dated 19.5.21, the cash withdrawal limit from Points of Sale (PoS) terminals using debit cards
and open system prepaid cards issued by banks in India is Rs.__ per transaction, across all locations. -Rs.2000
6. As per RBI directions dated 19.5.21, the cash withdrawal limit from Points of Sale (PoS) terminals using debit cards
and open system prepaid cards issued by banks in India within an overall monthly limit of ___across all locations is: -
Rs.10000
7. As per RBI’s PPI Master Direction 2021, Pre-payment Paid Instruments are of ___ types:- 2
8. Which of the following is not a type of PPI as per RBI’s PPI Master Direction 2021 1) Closed system 2) semi-closed
system 3)open system 4) Small PPIs 5) Full KYC PPIs--4 and 5 only
9. As per RBI’s PPI Master Direction 2021, non-bank PPI issuers should have min positive NW of Rs.___ to obtain RBI
authorization to issue PPIs.- Rs.5 cr
10. As per RBI’s PPI Master Direction 2021, cash loading to PPIs is allowed up to: . -Rs.50000
11. As per RBI’s PPI Master Direction 2021,under facility of outward cross-border,transaction limit is:- Rs.10000
12. As per RBI’s PPI Master Direction 2021, under facility of outward cross-border per month transactions limit is: -
Rs.50000
13. As per RBI’s PPI Master Direction 2021, for inward cross-border remittance, how much amount can be loaded or re-
loaded in full KYC-PPIs:- Rs.50000
14. As per RBI’s PPI Master Direction 2021, in small PPIs, amount loading is allowed in a particular month up to: -
Rs.10000
15. As per RBI’s PPI Master Direction 2021, in small PPIs, amount loading is allowed in a financial year up to: Rs.120000
16. As per RBI’s PPI Master Direction 2021, in small PPIs, total amount outstanding at any point of time can be up to:-
Rs.10000
17. As per RBI’s PPI Master Direction 2021, in small PPIs, max amount of debit allowed is __ per month? -Rs.10000
18. As per RBI’s PPI Master Direction 2021, in full KYC PPIs, what is the max outstanding amount?- 200000
19. As per RBI’s PPI Master Direction 2021, for bank issued PPIs, cash withdrawal at point of sale (POS) devices can be
max up to :- Rs.2000
20. As per RBI’s PPI Master Direction 2021, for bank issued PPIs, cash withdrawal at point of sale (POS) devices can be
max up to ___ per month: -10000
21. As per RBI’s PPI Master Direction 2021, max value of Gift PPI can be : -10000
22. As per RBI’s PPI Master Direction 2021, max value outstanding at one point of time, of Mass Transit System (MTS) PPI
can be : -3000
23. As per RBI’s PPI Master Direction 2021, min validity period of PPIs issued in India can be ___ from date of last
loading?- one year
24. Bank has to reimburse the customers within T + 5 days in respect of which of the following:-amount wrongfully
debited on account of failed ATM transactions
25. What is the ATM cash withdrawal limit for single day under RBI ATM access policy : -Rs.10000
26. For ATMs, banks can recover interchange fee per transaction ___ for financial transactions w.e.f. 1.8.2021. -Rs.17
27. For ATMs, banks can recover interchange fee per transaction ___ for non-financial transactions w.e.f. 1.8.2021. -Rs.6
28. Customers are eligible for ___ free transactions (inclusive of financial and non-financial transactions) every month
from their own bank ATMs.- 5
29. Customers are eligible for free transactions (inclusive of financial and non-financial transactions) from other bank
ATMs viz. ___ transactions in metro centres. -3
ATMs ___ transactions in non-metro centres. -5
31. Beyond the free transactions for ATM transactions,the ceiling / cap on customer charges is ___ per transaction with
effective from January 1, 2022. -Rs.21
32. For ATMs, banks can recover interchange fee per transaction ___ for financial transactions w.e.f. 1.8.2021. -Rs.17
33. For ATMs, banks can recover interchange fee per transaction ___ for non-financial transactions w.e.f. 1.8.2021. -Rs.6
34. Customers are eligible for ___ free transactions (inclusive of financial and non-financial transactions) every month
from their own bank ATMs.- 5
ATMs viz. ___ transactions in metro centres. -3
ATMs ___ transactions in non-metro centres. -5
37. Beyond the free transactions for ATM transactions,the ceiling / cap on customer charges is ___ per transaction with
effective from January 1, 2022. -Rs.21
38. Under RBI’s scheme of penalty for non-replenishment of ATMs, in case of cash out for more than ___ hours in a
month, RBI shall impose penalty. -10 hours
39. Under RBI’s scheme of penalty for non-replenishment of ATMs, in case of cash out for more than prescribed period in
a month, RBI shall impose penalty of … per ATM -Rs.10000
40. Under RBI’s scheme of penalty for non-replenishment of ATMs,banks are to generate a monthly report of cash out
which is to be sent to RBI within ___ days from close of month? -5 days
41. As per RBI’s Indo-Nepal Remittance Scheme, what is max amount of a single remittance? -Rs.2 lac
42. As per RBI’s Indo-Nepal Remittance Scheme,what is max no. of remittances in 1 year and max amount/per
transaction, per remitter for walk in customers?- 12, 50000
43. IMPS transaction limit has been increased by RBI from the existing ____ to ____- Rs.2 lac to Rs.5 lac The per-
transaction limit for SMS and IVRS channels is Rs.5000.
44. RBI has enhanced limits for contactless card payments from Rs.2,000 to Rs._____ effective from 1st January 2021 and
will be at the discretion of the user: Ans: 5,000
45. RBI to introduce LEI for large-value transactions in RTGS/NEFT W.e.f. April 1, 2021, the RBI will be introducing the
Legal Entity Identifier (LEI) system for all payment transactions of ₹50 crore and above, undertaken by entities (non-
individuals) using the RBI-run Centralised Payment Systems.
46. The Service charges to be levied on our customers for usage at ATM in Singapore, South Korea and UAE. ………….?
ANS : Financial Rs.200+GST , Non Financial Rs.50 + GST
47. The restriction on cash transaction will not be applicable to overdraft facility provided to………….. accounts.
ANS : Pradhan Mantri Jan Dhan Yojana (PMJDY )
48. All Joint Accounts with operation condition “Jointly” can be issued ATM cards for Cash withdrawal to………….?
ANS : Two signatories
49. Online Portal for applying Debit Card enabled. Customer has to key in ……………received in his registered mobile.
ANS : Account number and OTP
50. Maximum ……….. cards can be linked to a Single customer ID. ANS : 5
51. …………………. CASA accounts can be linked to a single Debit card. ANS : 4
52. Debit card holder can generate/regenerate PIN through ……………option of our Bank ATM. If Green Pin is generated,
card will get activated. ANS : GREEN PIN / FORGOT PIN
53. Validity period of Debit card shall be up to ………… years from the month of issue. ANS : 5
54. Auto renewal on expiry of cards shall be extended only for active cards i.e. cards used at least once for financial
/Non-financial transaction for the last ………..year.ANS : 1
55. OTP (One Time Pass Word) for Cash withdrawal above Rs ………….cumulative in a day by Canara Bank Debit Card
holders in Canara Bank ATMs is introduced. ANS : Rs. 10,000
56. IMPS through ATM : Funds can be transferred upto Rs………….. per day subject to a maximum of …………../- per month
through ATM to inter/intra bank accounts with the input of MMID and Mobile number of the beneficiary.
ANS : Rs. 50,000/=, Rs 2,50,000
57. Transaction limit on Point of Sale/online per day, Rs. ……………for Platinum/Business Debit Card and Rs. …………for
Classic/Standard/ Kisan/Elite Canara Debit Cards. ANS : Rs. 2,00,000, Rs. 1,00,000
58. Cash withdrawal at POS, maximum Rs……………. /- per card per day at Tier-I& II cities and Rs…………. /- per day at
Tier-III to VI cities. ANS : Rs. 1, 000, Rs. 2000
59. Service charges that has to be collected for withdrawal from ATMs Free Financial/Non financial transactions beyond
the permissible transactions. ANS : Non-Financial : Rs.10/- per transaction plus GST & Financial : Rs.20/- per
transaction plus GST.
60. Withdrawals through Debit card , by using other bank ATMs, Each withdrawal is restricted to ….? ANS : Rs10,000/-.
61. In terms of Reserve Bank of India guidelines, the wrongful Debit/disputed amount in the customer’s account, on
account of ATM failed transactions shall be reversed within ……………days from the date of transaction. ANS : T+5
62. Failing of refunding disputed amount in time, a penalty of Rs………… /- for each day of delay shall be credited to the
customer’s account along with the disputed amount on “ SUO MOTO “ basis. ANS : Rs. 100
63. Fresh issuance of …………………(Debit, Credit & Prepaid) are discontinued with effect from 22.07.2021
ANS : MasterCard Brand Cards
64. Complementary Benefits is available in case of Misuse of Counterfeit Cards for Purchase of Air Tickets on the Internet
Banking: Up to Rs………… /- ANS : 50,000
65. Rewards point @ one point for every purchase of Rs ………/-. Rupee equivalent of one point is Rs………. Minimum single
ticket purchase shall be Rs ………./- to be eligible for Rewards point. ANS : Rs. 100, 0.50, Rs. 10,000
66. Cardholder can simply wave the card on the POS terminal (at a 4 cm range) to pay up to the threshold limit of
Rs………….. Max. ………. transactions per day. No insert/swipe is necessary.ANS : Rs. 5000, 5
67. Under Personalized Canara Visa Pay Wave Platinum Debit Card, Customers are facilitated with switch on/ off this
contactless facility or can set transaction limit within the overall limit of Rs …………/- ANS : Rs. 5000
68. Under Personalized Canara Visa Pay Wave Platinum Debit Card, As a security measure, a cardholder is allowed a
maximum of …….. transactions within one hour so that 4th transaction within one hour will not be allowed through
contactless mode. ANS : 3
69. Service charges for cash withdrawal facility at POS machines against Debit cards revised to ………..% of the transaction
amount + applicable service tax to our Debit cardholders used at our POS as well as other Bank’s POS. ANS : 1 %
70. For CanaraRupay Select Debit Card, Rs …………./- + applicable GST . Annual fee shall be levied on completion of
………months from the date of linking the card in CBS and thereafter on every anniversary date. ANS : Rs. 1000, 12
71. In case of credit card Revolving & EMI Facility, In case of Secured Credit Card the service charge shall be ………..% per
month + applicable GST. ANS : 2%
72. For credit card, In case of NRIs, the cash withdrawal limit is fixed at Rs……….. /- per month subject to ……….. % of
the Card limit.(or equivalent in other than INR) ANS : Rs. 50,000, 50%
73. Since the Credit Card is only a payment settlement instrument, the Credit Card limit shall normally be restricted to
…….% of the gross income of the applicant. ANS : 30%
74. Under credit card, Revolving Facility: Pay a minimum of …………% of due bill subject to minimum amount Rs. ………./-
and settle the balance later at a specified service charge @ ………..% p.m. ANS : 5%, Rs. 100, 2.5%
75. For corporate cards, cash withdrawal limit is upto 50% of credit card limit subject to Rs. …….. lacs & for add on card,
maximum cash withdrawal limit is Rs. ………../- per card. ANS : Rs. 5 , Rs. 25000
76. Delegation powers of authorities up to Scale III for sanction of Credit Card Limit upto Rs…. /- ANS : Rs. 50000
77. Full Sanctioning powers of Credit Card Limit as per Delegation powers vested with ………..authorities only.A
ANS : Scale IV & above
78. ……………..is introduced as an additional channel to generate GREEN PIN/FORGOT PIN through registered Mobile
number. ANS : IVRS
79. New Digital Retail Loan Product under VSL, Online Loan facility (loan against the online deposits opened through
Internet Banking) …………is introduced with a quick sanction, processing and disbursement of loan proceeds.
ANS : CIDL ( CANARA INSTA DEPOSIT LOAN )
80. Under “CIDL” Loan Amount: Maximum …………% of the deposits opened through Internet Banking OR Rs……….. lakhs
whichever is less. ANS : 75%, Rs. 10 lakh
81. New and existing customer can apply for ……………loans through their Mobile Banking or Internet banking facilities
without physically approaching the Branch. ANS : Online KCC, KCC Renewal
82. Centralised Positive Pay System (CPPS) has been implemented from 1.01.2021, for cheques of Rs………… /- and above.
ANS : Rs. 50000
83. Customers can set their own personalised limits for various transactions such as NEFT, RTGS, Intra-Bank Transfer,
within the maximum permitted limit up to Rs……………. lakh according to their convenience by using INTERNET
BANKING –RETAIL ANS : Rs. 10
84. Internet Banking users can perform foreign exchange transactions like remittance, Export, Import and LC transactions
seamlessly using new mechanism called…………? ANS : FX4U
85. Personnel loan ……………is made available under STP- in Digital lending platform. ANS : Canara Budget
86. Under Enabling of KCC, KCC Renewal and Agricultural Gold Loan application Through Mobile Banking and Net Banking,
Borrower has given 7 working days to approach the branch with necessary documents. ANS : 7
87. Under Internet Banking Corporate, Using BULK FILE UPLOAD, Customers can upload up to …files per day. ANS : 25
88. ………………..which is implemented for IMB CORPORATE users is a safe and secure method of online Banking, All
corporate customers have to use it mandatorily to access Net Banking ANS : “ CanDigital “
89. Retail Customers can enhance their fund transfer limits up to Rs. …………. Lakh by visiting Services->Self-Services->Set
Transaction Limits option. ANS : Rs. 10 lakh
90. For new registrations including that of Proprietorship accounts, ……………will be set as default limit under corporate
net banking. ANS :” Corporate Standard Limit “
91. Maximum funds transfer can be remitted under “ CORPORATE SILVER LIMIT “ , to third party within CANARA BANK ?
ANS : Rs. 5 crores
92. Maximum funds transfer can be remitted under “ CORPORATE STANDARD LIMIT “ , to third party to other Bank
through NEFT / RTGS ? ANS : Rs. 2 crores
93. Maximum funds transfer can be remitted under “ CORPORATE GOLD LIMIT “ , to third party within CANARA BANK ?
ANS : Rs. 20 crores
94. “Quick Pay” funds transfer facility is available under Corporate Standard Limit , What is the max limit is available ?
ANS : Rs. 5 lakh
95. Customers can login Canara Mobile Banking App through …………& FingerPrint ID. ANS : Pass-code
96. Card less cash facility allows the customer to withdraw cash from Canara Bank ATM without using their Debit card,
Customer has to visit the nearest Canara Bank ATM ……………for making request to withdraw cash. ANS : 15 Minutes
97. Cardless cash transaction through Canara Bank ATMs with a minimum Rs…………… and maximum Rs…………….?
ANS : Rs. 100 , Rs. 5000
98. Entering wrong PIN thrice will block the Canara Mobile Banking facility for the day and ………….consecutive blockages
will deactivate the Mobile banking facility. ANS : 2 more
99. What is the validity of “ PASSCODE “ & “ MPIN “ under Mobile Banking App ?
ANS : There is no validity period for Passcode & MPIN
100. Canara Geo Locate is a mobile app that enables a GPS based search to locate Bank’s ..: ATMs/Branches/E-
Lounges.
101. Benefits of Bharat QR to Merchants, Payment is settled in ……ANS : T +1 day i.e. next day from transaction
date.
102. There is no transaction charge for transaction value up to Rs. ………../- for Rupay Cards. GST is exempted for card
transactions value up to Rs ………….done through debit card.ANS : Rs. 2000, Rs. 2000
103. The new version Canara DiYA 2.0 enables the customers to open a savings account (SB General only), from
anywhere, just in ……… minutes. ANS : 5
104. By using “CANPASS” product, Customer can authenticate online transactions with ……………and not by OTP.
ANS : Offline Transactions
105. Online Trading Facility (OLT), facility is being extended in association with our wholly owned broking subsidiary
…………….through their trading portal ………….ANS : M/s Canara Bank Securities Ltd, “CANMONEY.IN”.
106. ……………. christened as FASTag is one of the prepaid instruments facilitating electronic toll collection at Toll
plazas on National Highways. ANS : National Electronic Toll Collection Tag (NETC )
107. FASTag is ……………rectangle shape, multi-layered tag which is made of good quality paper, containing CHIP and
antenna inside it’s layers. ANS : 10x5 cm
108. Validity of “ FASTAG “ is……………….years ANS : 3
109. Under FASTAG , Maximum load amount in the wallet account per person (aggregate of all Tag wallets issued to a
person under the Customer ID) is capped at Rs …..at any point of time in tune with RBI guidelines. ANS : Rs. 1 lakh
110. Multiple FASTags can be purchased under one customer ID to meet the multiple vehicle owned by the purchaser
subject to a maximum limit cap of Rs …………for the Customer ID. ANS : Rs. 1.00 lakh
111. Under “FASTAG”, Convenience fee for online re-load of Tag will be actual cost + Rs. …………….? ANS : Rs. 10.00
112. Security Deposit is a one- time deposit stored in the Tag-wallet permitted by NPCI for NETC project to cover the
risk, for Truck 7 Axle and above, security deposit is Rs…………?ANS : Rs. 500
113. SAN ( Short Account Number ) is a ……….. digit unique number allotted at the time of requesting for issue of
cheque book. ANS : 6
114. Skimmers look like card readers are fixed on the card reader. “skimmers” which are employed to save the user’s
……………and replicated to counterfeit cards for theft of victim amount. ANS : Card number and pin-code
115. CASH RECYCLERS” have the features of accepting the currency notes in bulk/ bundle of notes and dispensing cash
as ATM, It has a capacity for holding up to ………….. currency notes. ANS : 17300
116. CASH RECYCLERS” have the features of accepting the currency notes in bulk/ bundle of notes and dispensing cash
as ATM, It will accept up to a maximum of ……………. currency notes in one go. ANS : 300
117. The maximum amount per transaction that can be deposited by a customer through the “ CASH RECYCLER “
machine is : Rs…………… /- ANS : Rs. 6,00,000
118. In the 12-digit account number pattern of CASA in new CBS upgraded version 11.8, , First digit will be constant,
next two digits denote the ……………..? ANS : Product family code.
119. As per latest guidelines, Penalty of ₹…………/- if cumulative cash out in ATMs exceeds 10 hours in a month. ANS :
Rs. 10,000
120. Sweep out Frequency: The sweep out frequency shall be weekly, on every………….. In case Monday is holiday or
last day of the month, the sweep out will happen on next working day. ANS : Monday.
121. When there is premature withdrawal of sweep out TD, the interest will be paid with penalty of …………..% at the
applicable rate for the period, the withdrawn TD amount has run. ANS : 0.50
122. Henceforth outward NEFT and RTGS are allowed onlythrough GL ……………This has been introduced to prevent
exposure to various kinds of risks. ANS : 209272434.
123.To bring the products manufactured by SHGs to e commerce platform and to enhance coverage of DAY-NRLM
scheme, Ministry of Rural Development has tied up with which of the following e commerce company recently? Ans.
Flipkart
124. Small Industries Development Bank of India (SIDBI) has recently tied up with which of the following tech company
for its social impact lending programme for micro units which are affected by Covid-19 pandemic? Ans. Google
125. Customers can request for cash withdrawal (minimum Rs………… and maximum Rs…………- per transaction) through
Debit Card/Aadhar Card through DSB (Doorstep Banking ), Agent will visit the customer and provide cash through hand
held devices. ( 473/2021) ANS : Min 1000 , max 10000
SOME MORE IMPORTANT QUESTIONS
1. e-BAAT programme of RBI is concerned with? Creating awareness to the public on frauds associated with e banking
and digital safety and Mr. Amitabh Bachchan is Brand Ambassdor.
2. RBI has recently announced creation of a Payments Infrastructure Development Fund (PIDF) with its contribution of Rs.
250 crore to encourage digital payment infrastructure in –
Tier-III to Tier-VI centres
3. Who is the chair person of the committee constituted by Reserve Bank of India for conducting study on ‘ Analysis of QR
Codes System in India’ in December 2019? Prof. D.B. Phatak
4.What is the name of the feature launched by NPCI under UPI 2 for facilitating recurring payment of bills for the
customers ? UPI Autopay
5. In which of these fallowing city, NPCI is setting up Smart data centre to host major services under Digital India
Initiative? Hyderabad
6. Which of the following is the unified authority to regulate all financial services in International Financial Services
Centers (IFSCs) in India? International Financial Services Centers Authority (IFSCA)
7. The name of the mobile app, launched by Reserve Bank of India, for aiding visually impaired persons to identify the
denomination of Indian Banknotes is? MANI
8. Which of the following statement with respect to ‘Mobile Aided Note Identifier (MANI)’ application is not true? The
app also authenticates a note as being either genuine or counterfeit.
9. In case of disputes related to online transactions, a customer can approach RBI ombudsman, if the grievance remains
unresolved for a period of more than? One month
10. Arrange these business segments from Lowest to highest with respect to the frauds noticed in banks and financial
institutes in FY 20, in terms of Amount involved? Card or Internet based frauds- Deposits- Off Balance sheet exposure-
Advances related frauds.
11. The process of reconfirming key details of large value cheques is introduced recently in the name of _________which
shall be implemented by all the banks January 01, 2021. Cheque Positive Pay System
12. Availing the facility of ‘Positive Pay’ is
at the discretion of the account holder, however, the banks may consider making it mandatory in case of cheques
for amounts of ₹5,00,000 and above.
13. What is the name of the mobile app recently launched by the Government for providing the required information to
the farmers for managing their livestock? e-Gopala
14. Who was the Chairman of the committee recently constituted by RBI to review the current system of Quick Response
(QR) Codes in India and to suggest measures for moving towards interoperable QR Codes Prof. Deepak Phatak
15. As per the latest guidelines of RBI on Quick Response (QR) Codes in India, the Payment System Operators (PSOs)? Can
issue and use only interoperable QR codes.
16. The number of NEFT settlement batches in a day with effect from December 2019 is ?
48 half-hourly batches
17 All authorized payment systems and instruments such as ______ are permitted by RBI for linking with the FASTags,
which can be used for various types of payments (vehicle toll, parking fee, etc. a non-bank PPIs, b cards, c Unified
Payments Interface (UPI) all above
18 With effect from 01.01.2020, all business entities with turnover of Rs.____ are required to provide digital payment
facility? Rs.50 cr and above
19 With effect from 01.01.2020, all business entities with a specified turnover are required to provide digital payment
facility. If they fail to do so, they will have to pay fine of ____.
Rs.5000 per day
20 Which of the following is a feature of new type of semi closed Prepaid Payment Instrument? a can be issued by banks
and non-bank PPI providers b mobile phone and OTP is mandatory c can be used to buy goods and services and not for
transfer of funds all above
21 What is the value for which new type of semi-closed Prepaid Payment Instrument can be issued? Rs.10000
22 What is the annual turnover value for which new type of semi-closed Prepaid Payment Instrument can be issued?
Rs.1.20 lac
23 The aggregate exposure of a lender to all borrowers at any point of time, across all P2P platforms, shall be subject to
a cap of ___ provided that such investments of the lenders on P2P platforms are consistent with their net-worth. Rs.50
lac
24 Member banks cannot levy any charges from _____ for funds transfers done through NEFT system which are initiated
online (viz. internet banking and/or mobile apps of the banks)
saving bank accounts
25 RRBs can act as merchant acquiring banks using Aadhaar Pay – BHIM app and POS terminals, if their net worth as on
March 31 of previous financial year was: Rs.100 cr
26 RRBs can act as merchant acquiring banks using Aadhaar Pay – BHIM app and POS terminals, if their capital adequacy
ratio, as on March 31 of previous financial year was min 9%
27 RRBs can act as merchant acquiring banks using Aadhaar Pay – BHIM app and POS terminals, if their net NPAs as on
March 31 of previous financial year was: below 5%
28 Under, Framework for imposing monetary penalty on authorised payment system operators / banks under the Payment
and Settlement Systems Act 2007, what is max penalty which RBI can impose for quantifiable contraventions: Rs.5 lac
29 Under, Framework for imposing monetary penalty on authorised payment system operators / banks under the Payment
and Settlement Systems Act 2007, what is max penalty which RBI can impose for non-quantifiable contraventions: min
Rs.5 lac max Rs.100 lac
30 Banks can allow offline retail payments using cards, wallets, mobile devices with an upper limit of payment
transactions of ___ Rs.200
31 ___ involves a process of reconfirming key details like date, name of the beneficiary / payee, amount, etc., of large
value cheques electronically: positive pay
32 Who shall develop the facility of Positive Pay in CTS, in India ? a NPCI b IDRBT c RBI d IBA 03 Banks, in India, shall
enable Positive Pay in CTS w.e.f. 01.01.21, for all account holders issuing cheques for amounts of ___ and above.
Rs.50000
33 As per RBI direction, the banks may consider making Positive Pay in CTS w.e.f. 01.01.21, mandatory in case of
cheques for amounts of ____ and above. Rs.500000
34 At present, the interoperable quick response (QR) codes include (1) UPI QR 2)Bharat QR 3)India QR 4)NPCI QR- 1 and
2 only
35 Payment system operator using proprietary QR codes are to shift to one or more interoperable QRs by: 31.03.22
36 A company has to make payment of dividend to large no. of its shareholders through electronic medium. It should use:
ECS – Credit clearing system
37 Under RTGS the transactions time 7 am to 6.00 pm is in respect of which of the following category of transactions:
customer transactions
38.In case of offline verification of Aadhaar using XML file or Aadhaar Secure QR Code, it shall be ensured that the XML
file or QR code generation date is not older than ___ from the date of carrying out V-CIP. 3 days
39. Government of India has not declared which of the following system as ‘Protected System’ as per the provisions of IT
Act-2000? Finacle
40. Banks can allow offline retail payments using cards, wallets, mobile devices with the condition that total limit for
offline transactions on an instrument shall be Rs._____, at any point of time. Rs.2000
RECALLED QUESTIONS
1.Cardless cash transaction through Canara Bank ATMs with a minimum Rs……… and maximum Rs………………..? 100, 5000.
2.Data and messages travel in a ………… bit SSL mode encryption technique provided by IDRBT which is a subsidiary of
RBI.- 128
3. A data communication network that serves across a broad geographic area is called? Wide area network (WAN)
4. Which among is the following is largest unit of storage. TB (Tera Byte)
5. A customer can deposit a maximum of rupees in to CAM in a day 30000
6. --- is the measurement of things such as fingerprints and retinal scans used for security access Biometrics
7. The official website of Canarabank is www.canarabank.com
8. Wherever the leased line connectivity is not feasible, our bank has got VSAT connectivity Facility the term ‘VSAT’
stand for Very Small Aperture terminal
9 The E-Infobook is available in languages for the customers 8
10. The mobile app bowl of Canara Bank – Canara Cart consists how many applications 6
11. The maximum number of pieces of notes can be deposited in to CAM at a time 40
12. Which one of the following customers is not eligible to provide net banking facility?
Illiterate persons
13. Under net banking facility of our bank, which one of the following functions, the customer cannot perform Disable
user
14. The internet banking passwords are valid for the period of one year
15. CPGRS stands for a. Canara public grievance redressal system
16. As per recommendations of Committee recommendations our bank has devised online system for redressal of
grievances of our customers – CPGRS Damodaran Committee
17. The term ‘BBPS’ stands for service Bharat bill payment system
18. The internet banking security solution provided by the bank for customer named…
Candigital
19. User Hibernation – If a user not logged into net banking for a period of months continuously the user id will be locked.
6 months
20. Full form of CANDLE b. Canara Digital Learning Experience
21. What is CANDI in Canara Bank A fully digital Branch
22. Which of the following type of account is NOT eligible to provide mobile banking facility? Patnership Current
account
23. What is DiYA Digitally Your Account
24. Cash recyclers having capacity for holding up to currency notes. 17300
25. The term ‘SCAN AND PAY’ is used in the following type of payment system.Bharat QR Code payment system
26. Under Immediate Payment System, The fund transfer limit permitted using mobile banking will be 200000
27. The cash recycler machines fixed at branches are configured to accept the following denominations of rupee notes
except 1000
28. The maximum amount of cash that can be deposited by the customer in Cash recyclers in a day is ? 600000
29. Cash Recycler will accept up to a maximum of currency notes in one go 300
30. P2P is a funds transfer facility under mobile banking. The term ‘P2P’ stand for Person to Person
31. Under RBI NEFT System, what is the maximum limit of individual per day transaction presently ? No ceiling
32. Walk-in customers who do not have an account with remitting bank can also send remittance through NEFT up to _by
paying cash 50000
33. Settlement of NEFT batches closes at hours on all working of the bank branch. 7.0 pm or 19 hrs
34. Delay in credit to Party‘s Account or delay in refunding the NEFT amount to remitting bank branch, penal interest
payable is RBI LAF repo + 2%
35. Delay in credit to Party‘s Account or delay in refunding the RTGS amount to beneficiary or to remitting bank, penal
interest payable is a. REPO rate plus 2%
36. Our bank uses SFMS as message carrier for NEFT transactions. The term ‘SFMS’ Stands for Structured financial
messaging system
37. Two authorisers are required to send high value NEFT transactions above the amount of 1000000/-
38. The maximum number of remittances allowed in a year for worker’s remittance to Nepal, Under NEFT is 12
39. The RTGS timings during week days for inter bank transactions are7.00am to7.45pm
40. The RTGS timing during week days for customer transactions is 7.00am to 6.00 pm
41. As per RTGS discipline, in respect of inward messages amount should be either credited to beneficiary account or
returned to the sender’s bank within_ hours of its receipt 1 and half hours
42. --- modules are covered under CLAPS package. Agriculture, Retail, MSME, Corporate Education, Staff, Gold Loans,
Lead Management
43. ----facility is not available in the CLAPS package Legal scrutiny report
44. The online trading portal of Canara Bank is called Canmoney.in
45. What is the minimum credit limit can be granted under Canara Secured credit card 10000
46. The Credit Cards due for renewal with ‗NIL‘ transaction in the past months will be blocked from automatic renewal
12 months
47. In case of card is lost and misused by someone, customer has to file FIR / complaint with Police Station immediately,
within hours 24 hours
48. What is the validity period of Domestic Prepaid reloadable Cards 3 yrs
49. What is the validity period of Domestic Prepaid Gift Cards? 1 yr
50. How many number of currencies those can be loaded in our Canara International Travel Prepaid Card? 7
51. What is Clock Speed? Speed of Processor
52. How Clock Speed Is Measured? Mega Hertz ( MHz).
53. What is the meaning of a 450 MHz Processor? Speed of the Processor is 450 Million instructions per second
54. What is meant by Cache ? Temporary memory of the processor
55. What is a Router? A Special type of Computer device which connects Networks
55. What is a Router? a. A Special type of Computer device which connects Networks
56 What is Data Diddling? A worst cyber attack/data break in, which tampers data
57. What is a Firewall? Barrier between Networks
58. What is DBMS? Database Management system.
59. What is RDBMS? a. Relational Database Monitoring system Relational Database Management system
60. What is NCMC Card? National Common Mobility Card(Prepaid + Debit)
61. Who issues NCMC Card? Rupay
62. What are the three pillars of Information Security? Confidentiality, Integrity and Availability
63. Denial of Service attack is considered to be a breach of ----------------- in Information security?Availability
64. History of all computer transactions normally in chronological order is called as - Audit Trail
65.Which of the following is not a threat? Absence of a firewall in the system
66. As a part of Risk Management BIA is normally done in the branches, BIA means……….? Business Impact Analysis
67. What is BYOD concept now prevailing in Corporates reg employees? Bring Your Own Device
68. What is the common name for additive manufacturing technology? 3D Printing
69. In Networking and Communications MPLS means? Multi Protocol Label Switching 70. The Different Layers in software
will normally be the following one above the other are….? Operating System( OS), Database(DB), Application, User
Interface(UI)
71. What is indicated by the term Peopleware? People working in computers, involved in activities related to it like
software etc
72.A Server that is least power consuming and very eco friendly is often referred to as..?
Green Server
73. Which of the following is a Popular Open Source ? Linux
74. What is RAM? Random Access Memory
75. What is ROM ? Read Only Memory
76.What is SDLC? System Development Life Cycle
77.What is DRAM? Dynamic Random Access Memory
78.What is RDRAM? Rambus Dynamic Random Access Memory
79. What is FPM DRAM? Fast Page Mode DRAM
80. What is SRAM? Static RAM
81. What is VPN? Virtual Private Network
82. What is TCP? Transmission Control Protocol
83. What is IP? Internet Protocol
84. What is IP Spoofing? A cyber attack where they claim others IP address
85. What is IP Session Hijacking? A cyber attack where they remote user’s session is Hijacked
86. What is BCP? Business Continuity Plan
87. What is HSR? Hot Site Replication
88. What is the use of HSR? Recovery time for data is less than 60 Seconds
89. What are I-Pad/Tablets Its device that combine computing, telephone/fax & networking features
90. SWIFT is expansion for Society for Worldwide Interbank Financial Telecommunication
91. Service charges for hot-listing ATM card: Rs.150/-+GST
92. Cannet is a : Intranet
93. ATMcard failure transactions, refund of amount in how many days : 5 days
94. ATM failure transaction - claim with in how many days : Within 30 days of transaction
95. Minimum amount in RTGS : Rs.2.00 lacs
96. ATM issue charges for EMV chip cards. What is the amount: Rs.250 plus GST.
97. Which new currency is added in Canara International Travel Card:
98. Purchase limit in Planinum Card: Rs.2.00lacs
99. Average balance for Platinum Card: Rs.50,000/-
100. MIN AMT IN RTGS : Rs. 2.00 LACS
101. NEFT 48 HRLY SETTLEMENT ON ALL DAYS
102. BOOK FOR SMARTPHONE WHERE CUSTOMER GETS ALL INFO THRU MENU?: E-INFOBOOK
103. MAX CASH WITHDRAWAL THRU CANARA BANK DEBIT CARD?: Rs.40,000
104. MAX CASH WITHDRAWAL THRU POS, MERCHANT ESTABLISHMENT?: Rs. 1000 PERDAY PER CARD
105. CANARA BANK WEBSITE FOR PUBLIC INFO, BANKING FACILITIES?: www.canarabank.com
106. NEW VERSION OF INTERNET BANKING PASSWORD CAN BE OF LENGTH?: 8 to 12 ( Alpha Numeric, Special Character
& First will be uppercase
107. CARD WHICH ACTS AS AN IDENTITY CARD FOR THE STUDENT---CAMPUS CARD
108. IN MOBILE BANKING MAX AMT THAT CAN BE TRANSFERRED – Rs.50000/
109. If an account is wrongly debited through ATM without dispensing cash and customer complains about it. Within
how many days the bank should refund the amount. Ans: 7 working days
110. M I C R full form : Magnetic Ink Character Recognition
111. What is required for sending RTGS/NEFT a.MICR b IFSC c PIN CODE Ans: IFSC
112. In which of the following types of accounts, ATM cards are not issued a) Illiterate b)Joint Account, operation
Jointly c) Minor Account d) None. Ans: None (since issued to all types of accounts mentioned above)
113. Canara Gift Card is available in the denominations of: Ans: Rs.500/-. 1000/-. 2000/- and 5000/-.
114. Maximum RTGS transactions permitted to Corporates under Corporate Net Banking: Ans: Rs.5.00 crores maximum
amount per day with a cap of 5 bulk uploading files (each file not exceeding Rs.1.00 crore) (Cir 351/2013).
115. Atm debit card used at other bank atm---fin transaction—rs.20 plus tax
116. Platinum debit card - pos purchase trans – rs. 2 lacs per day
117. Card inactivity fee if balance not maintened rs.50000 -fee rs. 500- canara business card
118. Canara club card validity is 10 years
119. Netbanking Corporate Bulk upload facility per day per customer is Rs.5 Crores
120. Mobile Banking for funds transfer and login MPIN number is required
121. Best Bank Award by IDBRT is given for use of IT financial inclusion
122. Internet password expiry is 1 year
123. For printing of Term Deposit option is : TD043
124. ATM failed transaction Rs 100/day after 07 days
125. Avg deposit for Canara platinum Debit card – Rs.50000/-
126. Bhutan and Nepal – indian currencies above 100 can be taken there upto Rs25000
127. Device which is modulated and demodulated: Modem
128. CNTRL AND SHIFT KEYS ARE – MODIFIER KEYS
129. In excel formula key is in sum –STD. TOOL BAR
130. Cntrl +s denotes : saving
131. URL full form : uniform resources locator
132. In CBS MINOR account is recognised how : by date of birth
133. Ideally a customer should have at least one Customer id
134. Without intervention of bank how money can be transferred.: IMB
135. IFSC full form: INDIAN FINANCIAL SYSTEM CODE
136. A messaging system which is used for transfer of money worldwide. SWIFT
137. E Inform Book is in how many language- 8 languages
138. A computer language which is used to convert the language : binary language
139. A devise which connects software and hard ware to interact : network
140. The first page of internet is called as home page.
141. In page view only one page is seen: no series of pages can be seen.
142. Input processing output display
143. A device which connect the computer to telephone : Modem
144. In CBS the 5 and 7 number denote : product code of the account
145. Cntrl x to cut
146. RTGS minimum amount : 200000
147. NEFT Maximum amount : no limit
148. What is output : printing of data after processing by computer
149. Default setting of the printing is portrait.
150. Spell check key : F7
151. With the help of this we come to know that some one is visiting our computer :COOKIES
152. Digital signature is recognised as per ACT : IT ACT
153. Special Characters
154. The connection in the computer which is used for communication by IP Address.
155. The connection within the area connecting the computer in to internet is LAN
156. ATM complaints to be solved within 7 days.
157. Spelling mistake in MSDOS which colour : RED COLOUR
158. GIGA BYTE : 1024 MEGABYTES
159. OCTAL: Number system whose base is 8
160. Where a person is in possession of computer and discloses electronic records: Cyber Crime.
161. Which was the first step package used in our bank as a way to computerising ALPM
162. How many customer id required for opening proprietary ship concern? TWO
163. MICR Number represents : instrument no. bank city.
164. Finger and retina is used in biometric
165. Coordinates all computer : network
166. Moving the object from one place to another : curser –DRAG & DROP ETOD
167. .png is used for image document
168. On trf of account from one place to another : ACCOUNT NO. DOES NOT CHANGES
169. Difference between CD ROM and CD RW : cd rom is ready only cd rw can rewrite in the cd.
170. Before sending mail the same is stored in : draft mode.
171. In case of non-connectivity some branches r provided with : vsat
172. Disaster recovery centre in : MUMBAI
173. Computer tracking is tracked by IP
174. Again repeat : in cbs account 13 digits from left to right is DPCD.
175. Integrated CBS platform - Flex Cube –Retail and Corporate (FCR and FCC)
176. Two dedicated MIS directories - 1. CBS Reports and 2. Business Objects.
177. Cannet is the Bank's intranet and it is repository of all information required by the employees.
178. CANDLE is the digital learning platform for the employees of the Bank.
179. SAS- Single Authentication Service access is through Biometric and username with Password. Other than CBS (FCR
& FCC), all other packages are brought under SAS.
180. CPGRS (Canara Public Grievances Redressal System) is our Customer Grievance redressal package.
181. Canara Tech Support is the escalation window for all technical issues being faced by the branches
182. The process of Computerisation in Indian Banks started with the first report of a Damodaran committee
Rangarajan Committee.
183. P2A ( Person to account) is a fund transfer facility under mobile banking. In this facility the following is the
mandatory information customer has to provide Account number and IFSC number
B. RECALLED QUESTIONS
RECALLED QUESTIONS SCALE II & V OF EXAM. DATED 14.12.19-CANARA BANK
1. ATM withdrawal limit when OTP generate in our bank.

2. BM Self survey report upto limit of ..... When any dmage of ATM
3. Canara gift card minimum loading amount.
4. Sum assured for Canara platinum debit card.
5. Sum assured for fraud transjection for canara international card.
6. Debit card insurance provide to account holder above age. 7 YEARS, 12 YEARS
7. Imps payment Canara bank card to card monthly limit.
8. Bhim upi charges .30% above transjection of RS.
9. RTGS charges of Rs. 50lakh
10. Computer knowledge related-
11. Network, web, input/output device
12. Reversal of ATM withdrawls:100/- per day penalty
13. Teller wise list :TP6009,
14. CLAPSfull form
15. Google pixel is not an browser
16. smallest unit of memory:byte
17. Peta byte :1024 TB
18. storage devices
19. CTS cheque digit
20. Banks intranet-cannet
21. IP number can be masked
22. White Level ATMs-
23. Mobile Banking accessibility –Internet & Mobile no in CBS
24. Transaction Limit in MDR above Rs.2000.00 = 0.30%+GST
25. Age limit under Rupay card Insurance coverage – 5 years
26. IMPS max. limit through ATM – Rs.50,000 in a day to Rs.2.00 lakhs in a month
27. Outsourced ATM cash dispute resolved within 07 days
28. Meaning of Ctrl+X =cut, 29.Output device – Monitor,30.Esc button – Cancelling an activity
31.ST635 report – daily, 32.ST602 report daily, 33. Mobile banking ineligible account – Minor account
34. Storage of CCTV in DVR – 90 days
COMPUTER LITERACY TEST DTD 04.02.2018 - SCALE 3 TO 4
1. Device which is modulated and demodulated: Modem

2. CNTRL AND SHIFT KEYS ARE – MODIFIER KEYS
3. In excel formula key is in sum –STD. TOOL BAR
4. Cntrl +s denotes : saving
5. URL full form : uniform resources locator
6. In CBS MINOR account is recognised how : by date of birth
7. Ideally a customer should have at least one Customer id
8. Without intervention of bank how money can be transferred.: IMB
9. IFSC full form: INDIAN FINANCIAL SYSTEM CODE
10. A messaging system which is used for transfer of money worldwide. SWIFT
11. E Inform Book is in how many language. 8 languages
12. A computer language which is used to convert the language : binary language
13. A devise which connects software and hard ware to interact : network
14. Intranet of our bank : Cannet
15. Cannet is intranet
16. The first page of internet is called as home page.
17. In page view only one page is seen: no series of pages can be seen.
18. Input processing output display
19. A device which connect the computer to telephone : Modem
20. In CBS the 5 and 7 number denote : product code of the account
21. Cntrl x to cut, 22. RTGS minimum amount : 200000
23. NEFT Maximum amount : no limit
24. What is output : printing of data after processing by computer
25. Default setting of the printing is portrait.
26. Spell check key : F7
27. With the help of this we come to know that some one is visiting our computer :COOKIES
28. Digital signature is recognised as per ACT : IT ACT
29. Special Characters
30. The connection in the computer which is used for communication by IP Address.
31. The connection within the area connecting the computer in to internet is LAN
32. ATM complaints to be solved within 7 days.
33. Spelling mistake in MSDOS which colour : RED COLOUR
34. GIGA BYTE : 1024*2 MEGABYTES, 35.OCTAL: Number system whose base is 8
36. Where a person is in possession of computer and discloses electronic records: Cyber Crime.
37. Which was the first step package used in our bank as a way to computerising ALPM
38. How many customer id required for opening proprietary ship concern? TWO
39. MICR Number represents : instrument no. bank city.
40. Finger and retina is used in biometric, 41. Coordinates all computer : network
42. Moving the object from one place to another : curser –DRAG & DROP ETOD
43. .png is used for image document
44. On trf of account from one place to another : ACCOUNT NO. DOES NOT CHANGES
45. Difference between CD ROM and CD RW : cd rom is ready only cd rw can rewrite in the cd.
46. Before sending mail the same is stored in : draft mode.
47. In case of non-connectivity some branches r provided with : vsat
48. Disaster recovery centre in : MUMBAI, 49. Computer tracking is tracked by IP
50.AGAIN REPEAT : IN CBS ACCOUNT 13 DIGITS FROM LEFT TO RIGHT IS DPCD.
**ALL THE BEST & BEST OF LUCK **

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Date: 03.12.2021 Sanjay Kumar Trivedy

COMPUTER PROGRAMMES/ SOFTWARE

Ctrl+X cut Ctrl+G Go to

UNITS OF COMPUTER DATA

Limits permissible in Net Banking

Cash Withdrawal at POS 1% of the Transaction Amount Not Applicable

Missed call alerts

DIGITAL BANKING BRANCH 'CANDI'

CASH SB & CA A/C OPENING/CLOSING RD A/C OPENING/CLOSING

7793 (DD Liquidation) 8310

7796 (DD Revalidation) 8325

TD A/C OPENING/CLOSING TRANSFER CARD MAINTAINANCE

4. LATEST CHAGES AS PER CIRCULARS OF 2021 IN DIGITAL BANKING

A. LATEST QUESTIONS ON CIRCULARS & RBI GUIDELINES

ONE LINER QUESTIONS ON DIGITAL BANKING

SOME MORE IMPORTANT QUESTIONS

RECALLED QUESTIONS SCALE II & V OF EXAM. DATED 14.12.19-CANARA BANK

1. ATM withdrawal limit when OTP generate in our bank.

COMPUTER LITERACY TEST DTD 04.02.2018 - SCALE 3 TO 4

1. Device which is modulated and demodulated: Modem

ALL THE BEST & BEST OF LUCK

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