| Tariff scope | Retail fee index spanning ordinary Savings, Salary Package, BSBD/basic and selected digital/ATM services. Product-specific tariffs override generic bank guidance. | Retail fee index using Canara's September 2026 service-charge page, card/ATM tariff and non-credit/non-forex service schedule, plus BSBDA overrides. |
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| Account maintenance | Savings Bank average-balance non-maintenance penalty is waived from 11 March 2020 under SBI's current revised-service-charge index; separate account/service fees can still apply. | Product-specific Savings/basic balance rules remain controlling. Canara BSBDA has no minimum balance and protected core-service treatment; no universal ordinary Savings NMC is inferred from the card tariff. |
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| Debit-card charges | Debit-card issuance/annual/replacement pricing remains variant- and account-linked. BSBD/basic RuPay ATM-cum-Debit Card treatment is separately free under the reviewed basic-account evidence. | Current card annual fees: ₹200 Classic/Standard, ₹500 Platinum, ₹500 Business, ₹1,000 Select/World; replacement ₹150. Virtual Debit Card has no charges except applicable international markup under the reviewed card page. |
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| ATM charges | For ordinary Savings variants covered by the 1 December 2025 notice (excluding BSBD, KCC and Salary Package), five other-bank ATM/ADWM transactions are free monthly at all centres; post-free pricing is ₹23 + GST financial and ₹11 + GST non-financial. | Canara ATM/CR: general Savings five free financial/non-financial monthly and senior citizens eight; thereafter ₹23 + GST financial and ₹5 + GST non-financial. Other-bank ATM/CR: three free metro/five non-metro, then ₹23 + GST financial / ₹11 + GST non-financial. |
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| Cash / branch | Branch/cash pricing remains account/service-specific; no single SBI cash-handling rate is inferred across Savings, Salary, BSBD and business products. | Non-credit/non-forex schedule controls account cash handling and can club branch/CDM/kiosk cash deposits for entitlement; no separate machine-based free allowance is assumed. |
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| Transfers | Digital transfer pricing is rail/channel specific. The fee ledger does not convert one IMPS/NEFT/RTGS waiver or charge into a universal transfer fee. | Online NEFT free for Savings. RTGS outward ₹24.50 for ₹2–5 lakh and ₹49.50 above ₹5 lakh + GST. IMPS Internet/Mobile ranges from nil below ₹1,000 to ₹20 for ₹2–5 lakh + GST, with specified inclusion-account exemptions. |
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| Digital services | SBI Unipay's reviewed digital bill-payment channels are nil-charge to the customer; underlying biller/card/tax charges remain separate where applicable. | Canara BBPS customer transactions are currently stated as Nil-charge in the reviewed BBPS FAQ; external biller/payment mode charges remain separately scoped. |
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| Waivers | BSBD/basic, KCC, Salary Package and other programme concessions are retained as scoped overrides rather than treated as bankwide fee waivers. | Staff, Jan Dhan, BSBD and other stated financial-inclusion accounts can receive specific transfer/card/service exemptions; senior-citizen ATM allowance is separately higher. |
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| Effective-date logic | Current and announced-future charges are stored separately. A future-effective row cannot replace the current tariff before its effective date. | The card/ATM schedule explicitly marks changes effective 1 September 2026 and the main service-charge index was last updated 3 September 2026; these dates outrank older tariff copies for the same scope. |
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