Our Services
General Banking Facilities
Comprehensive. Convenient. Secure.
At The Karan Urban Cooperative Bank Limited, our General Banking Facilities are designed to deliver seamless financial services that combine traditional banking reliability with modern digital convenience. We are committed to providing efficient, secure, and customer-focused banking solutions that meet the dynamic needs of individuals, professionals, traders, institutions, and enterprises.
Our banking infrastructure is structured to ensure operational excellence, regulatory compliance, and superior customer experience across all service touchpoints.
1. Fund Transfer Services
(a) NEFT – National Electronic Funds Transfer
NEFT enables secure electronic transfer of funds from one bank account to another across India.
Key Features:
Available during banking hours (as per RBI guidelines)
No minimum transfer limit
Secure and regulated transfer mechanism
Suitable for retail and business transactions
Benefits:
Safe interbank fund transfer
Transparent processing
Cost-effective remittance option
(b) RTGS – Real Time Gross Settlement
RTGS is designed for high-value transactions requiring immediate fund transfer.
Key Features:
Real-time settlement
Minimum transaction limit as per regulatory norms
Ideal for large-value business payments
Secure RBI-monitored system
Benefits:
Immediate credit to beneficiary account
Highly secure platform
Suitable for urgent corporate transactions
(c) IMPS & Instant Transfers (Where Applicable)
Instant payment systems facilitate immediate fund transfer.
24x7 availability (subject to system support)
Instant credit facility
Suitable for emergency payments
Secure authentication process
(d) Internal Bank Transfers
Customers can transfer funds between accounts within the Bank quickly and efficiently.
Instant processing
No interbank delay
Simple request mechanism
Secure transaction monitoring
2. Cheque & Clearing Services
We provide efficient cheque handling and clearing operations.
Facilities Include:
Cheque book issuance
Local cheque clearing
Outstation cheque collection
CTS (Cheque Truncation System) processing
Stop payment facility
Advantages:
Secure cheque handling
Transparent tracking
Timely clearing as per banking norms
3. Demand Draft (DD) & Banker’s Cheque
Demand Drafts are a secure instrument for guaranteed payments.
Key Features:
Issuance in favor of individuals or institutions
Payable across locations
Suitable for educational fees, tenders, business payments
Secure instrument backed by the Bank
Banker’s Cheques provide similar assured payment benefits for local transactions.
4. Debit Card Facility
Our Debit Card provides convenient access to funds directly from your savings or current account.
Key Features:
ATM cash withdrawal facility
POS (Point of Sale) payments
Online transaction capability (subject to activation)
Daily transaction limits
PIN-based secure access
Benefits:
24x7 access to funds
Cashless convenience
Secure transaction authentication
SMS alerts for transactions
5. Credit Card Facility (Where Applicable)
Credit Cards offer customers flexible purchasing power and credit convenience.
Features:
Pre-approved credit limit
Interest-free period (as applicable)
EMI conversion facility
Secure payment gateway support
Online and offline acceptance
Benefits:
Financial flexibility
Emergency credit support
Reward programs (if applicable)
Global acceptance (subject to card type)
6. ATM Services
Our ATM services provide round-the-clock access to essential banking transactions.
Available Services:
Cash withdrawal
Balance inquiry
Mini statement
PIN change facility
Fund transfer (where enabled)
We ensure secure ATM networks with encrypted transaction systems.
7. Internet Banking (Where Enabled)
Digital banking services provide convenient account access.
Features:
Account balance and statement viewing
Fund transfers (NEFT/RTGS/IMPS)
Utility bill payments
Online service requests
Secure login authentication
Security Measures:
Multi-factor authentication
Encrypted data protection
Session monitoring
Internet Banking ensures secure access without visiting the branch.
8. Mobile Banking Services
Mobile banking extends banking services to smartphones.
Services Include:
Instant balance check
Fund transfers
Transaction alerts
Service request submissions
Mini statements
Mobile platforms enhance accessibility and convenience for customers on the move.
9. Passbook & Statement Services
We offer transparent record-keeping through:
Updated passbook printing
Periodic account statements
E-statements via email (where applicable)
Detailed transaction history
This ensures clarity and accountability in every transaction.
10. SMS & Email Alert Services
Real-time notifications enhance transaction security.
Debit and credit alerts
Balance updates
Cheque clearance notifications
Login alerts
These alerts help customers monitor their accounts proactively.
11. Locker & Safe Custody Services (Where Available)
We provide safe deposit locker facilities for storing valuables.
Suitable For:
Jewellery
Important documents
Legal papers
Precious items
Our locker services ensure privacy, security, and structured access protocols.
12. Standing Instructions & Auto Debit Facility
Customers can automate payments for recurring obligations.
Uses:
EMI payments
Insurance premiums
Utility bills
Subscription payments
This ensures timely payments without manual intervention.
13. Nomination Facility
Nomination ensures smooth asset transfer in unforeseen circumstances.
Available for savings, current, FD, RD, lockers
Simple documentation process
Enhances financial security
14. Loan & EMI Payment Services
We facilitate easy repayment options:
EMI auto-debit
Manual deposit facility
Online payment channels
Prepayment facility (as per policy)
This ensures smooth credit management.
