Canara Bank · statement narration
CHQ RETURN CHG
Also printed as: CHEQUE RETURN CHARGES · CHQ BOUNCE CHG · RETURN CHG · INWARD RETURN CHG
Decoded
A charge when a cheque is returned unpaid. Amounts differ depending on whether the cheque was one you issued or one you deposited.
Hinglish meinCheque bounce hone par lagne wala charge. Aapne diya tha ya jama kiya tha, uske hisaab se amount alag hota hai.
- Below Rs 1,000
Below Rs 1,000, Bank’s own figure
From Canara Bank — Non-Credit and Non-Forex Service Charges
Verified
- Bank’s own figure
- Rs 1,000 to below Rs 10 lakh
Rs 1,000 to below Rs 10 lakh, Bank’s own figure
From Canara Bank — Non-Credit and Non-Forex Service Charges
Verified
- Bank’s own figure
CHQ RETURN CHG on your Canara Bank statement — A charge when a cheque is returned unpaid. Amounts differ depending on whether the cheque was one you issued or one you deposited. The bank publishes a rate table, not one figure; the rates are below.
Read from Canara Bank — Non-Credit and Non-Forex Service Charges on 2026-09-05.
Cheque-related charge: what other banks publish
Bank’s own figures, before GST. Where a bank publishes several rates, the bar runs from its lowest to its highest — its table below says which applies to whom. Tap a figure for its source.
Not on this chart (2)
- Canara Bank — Levied each time rather than each time, so not drawn against the others.
- ICICI Bank — Levied each time rather than each time, so not drawn against the others.
What it costs, including GST1 rule · rate table, conditions and waiver
Retail Banking Service Charges · Branch
Cheque or instrument return, inward and outward: Rs 200 below Rs 1,000, Rs 300 to below Rs 10 lakh, Rs 500 to below Rs 50 lakh, Rs 1,000 to below Rs 1 crore, Rs 2,000 at Rs 1 crore and above.
| Rate | Bank’s figure | With 18% GST |
|---|---|---|
| Below Rs 1,000 | ₹200 | — |
| Rs 1,000 to below Rs 10 lakh | ₹300 | — |
| Rs 10 lakh to below Rs 50 lakh | ₹500 | — |
| Rs 50 lakh to below Rs 1 crore | ₹1,000 | — |
| Rs 1 crore and above | ₹2,000 | — |
GST does not apply to this charge.
Applies when: Canara Bank SB/CA/OD/OCC accounts; a cheque or instrument returned, inward or outward. The page states GST is not applicable to this charge. No charge is levied where the instrument is returned for technical reasons or where the customer is not at fault.
Documented waiver: No charge where the instrument is returned for technical reasons or where the customer is not at fault.
Why it happened and how to avoid it
Why it happened
A cheque was returned unpaid, most often for insufficient balance or a signature mismatch.
How to avoid it
Keep sufficient balance before the cheque is presented. Where the return was for a technical reason not caused by you, banks generally levy no charge and you can ask for a reversal.
Dispute this chargeRBI dispute template, ready to copy
Official source1 document
- Canara Bank — Non-Credit and Non-Forex Service Charges
Retrieved 2026-09-05
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