The Kangra Co-operative Bank Ltd. offers you the convenience of over 1,70,000+ ATMs of different banks in India linked to National Financial Switch which include  the largest network of SBI and PNB in the country and continuing to expand fast! The Bank has installed its owned ATM machines in five of its branches which means that you can transact with Kangra Bank issued ATM/Debit cards  free of cost at these five machines .


Besides ATM/Debit  cards of The Kangra  Bank following cards are also accepted at  Bank ATMs:

  • ATM cum Debit Cards issued by other banks displaying Master Card, , VISA  and RuPay logos.

Note : Credit cards issued by any bank are not acceptable .

The Bank is in the process of enabling use of your Kangra Bank debit card to make payments for purchases at different merchant establishments viz. shops, restaurants, shopping malls, hotels, petrol pumps and many other outlets.

Few Golden Rules to keep your ATM transactions safe and secure

v  Please sign on the reverse of the card immediately on receipt.

v  . Change your ATM PIN regularly.

v  . Never keep the PIN with the debit card or write on it. Always memorize it.

v  . Do not provide the ATM card and PIN details to anyone, including Bank/IBA/RBI/Govt. agency/family/friends, etc. Bank or any other institution will never ask for this information.

v  . Do not let strangers come in to the ATM room or take their help to complete the transactions.

v  . Hide the keypad while keying in your PIN at ATM/POS terminals.

v  . Do not throw your transaction slip in the ATM room as it contains your account information.

v  . Always wait till the ATM returns to the idle mode and the green light is blinking.

v  . Insist on swiping your card in your presence in hotels/shops/malls, etc. ( FACILITY YET TO BE MADE AVAILABLE )

v  . Never swipe your card at POS machines kept at unknown temporary stalls. ( FACILITY YET TO BE MADE AVAILABLE )

v  . Block and destroy your old card, when you get a new one. Register your mobile number at the Branch to get SMS alerts for all transactions

v  . Hotlist your card immediately on losing it by calling the number(s) given on the back side of your card.

Terms and conditions for the issue and use of KANGRA Bank ATM ( Debit Card) cards.

  1. Meaning of certain terms : The term "Bank" and “Kangra Bank’ used hereunder  refers to "The Kangra Co-operative  Bank Ltd." "ATM" refers to the Automated Teller Machines installed by the Bank "Card holder" refers to an account who has been issued a Kangra  Bank  ATM/ Debit  Card.
  2. THE KANGRA BANK  ATM Card Issuance : An account holder may be issued a  KANGRA  BANK  ATM Card by the bank at its discretion, if he/she has satisfactorily conducted savings and/or current account and/or any other type of account so designated by the Bank to be eligible account(s) for operations through the use  KANGRA  Bank ATM Card. The account holder shall give his/her preference of such account(s) held by him in writing in the Relationship form for issue of  KANGRA  Bank ATM Card.
  3. KANGRA   Bank ATM Card :  KANGRA  Bank ATM Card shall be issued to an approved account holder in respect of his account to enable him to operate the ATM.
  4. ATM-Facilities: The facilities offered under ATM facility will include withdrawal of cash by the Cardholder from his account up to a stipulated amount limit, enquiry about the balance in the accountrequest for changed PIN number  and such other facilities as the Bank may decide to provide, from time to time.
  5. Minimum Balance in Account : The Cardholder shall maintain, at all times, such minimum balance in his account, as the Bank may decide from time to time and the Bank may at its discretion levy such penal or service charges as per the Bank's rules from time to time, or withdraw the ATM facility, if at any time the amount of deposit falls short of the required minimum as aforesaid, without giving any further notice to the Cardholder(s) and/or without incurring any liability or responsibility whatsoever by reason of such withdrawal.
  6. Fees: The ATM card is issued on payment of yearly charges to customers. Also charges are levied for transactions made through the ATM beyond the permissible limit .The Bank reserves the right to change fees / charges for the ATM facilities in future. Fee/ Charges presently applicable for availing this facility are given hereunder as annexure-1
  7.  Bank's Lien : The Bank shall have the right of set-off and lien, irrespective of any other lien or charge, present as well as future on the deposits held in the Cardholder's Primary Account and/or in any other account, whether in single name or joint name(s), to the extent of all outstanding dues, whatsoever, arising as a result of the  KANGRA  Bank ATM card services extended to and / or used by the Cardholder.
  8. Multiple Cards : In case of joint account(s) Either or Survivor /anyone or Survivor where more than one person has been issued  KANGRA   Bank ATM Card, all the Card-holders put together, shall withdraw only upto the permissible limit allowed to single card account(s), within the cycle time of 24 hours.
  9. Joint account : In case of joint accounts where only one card is issued to a joint account holder, the other joint account holder(s) shall expressly agree with and give his/her consent on the application form for issue of  KANGRA   Bank ATM card. In case any of the joint account holder(s) gives "stop payment stop transactions" instructions in respect of operations through the use of  KANGRA   Bank ATM card, on any of the accounts held jointly by them, no operations will be allowed on such account(s) through the use of  KANGRA  Bank ATM card. The "stop payment stop transactions" instruction can be given only in respect of such accounts in which he/she is a joint account holder.
  10. Non-Transferability :  KANGRA  Bank ATM card is not transferable under any circumstance and shall be used only by the Cardholder.
  11. Personal Identification Number : Each Cardholder will be issued a sealed envelope containing a four digit number called Personal Identification number (PIN) to gain access to the ATM services. This number can be changed to any other convenient four digit number by the cardholder, at the ATM. The PIN shall under no circumstances be revealed to any third party. The Cardholder shall be solely responsible for the consequences arising out of the disclosure of his PIN and/or unauthorised use of  KANGRA  Bank ATM card and shall be liable for any increased liability which he may incur on account of unauthorised use of the PIN and  KANGRA  Bank ATM card. If the Cardholder forgets the PIN, he/she should make an application in writing for a fresh PIN. The selection of a new Personal Identification Number and/or the replacement of  KANGRA  Bank ATM card shall not be construed as the commencement of a new contract.
  12. Funds in the accounts: The Cardholder should not use or attempt to use  KANGRA   Bank ATM card without sufficient funds in the account he wants to operate through the card.
  13. Loss/ Theft of Cards : The Cardholder shall be responsible for the safe custody of  KANGRA   Bank ATM card. In case of loss or theft of the  KANGRA  Bank ATM card, the Cardholder shall advise any of our branches, preferably the  KANGRA   Bank ATM card issuing branch as promptly as possible in writing, of the loss of  KANGRA  Bank ATM card, however affected Cardholder shall  be responsible and liable for all transactions effected by the use of the Card until it is confiscated / cancelled. Another  KANGRA  Bank ATM card will be issued to the Cardholder, in lieu of lost / stolen  KANGRA  Bank ATM card, upon request in writing and payment of issue fee.
  14. Authority to debit the account : The Cardholder along with the joint account holder(s), if any, shall authorise the Bank to debit the account(s) with the amount of withdrawals, or transfers effected by the use of  KANGRA  Bank ATM card, as per the Bank's records. The Bank's record for transactions processed by the ATM machine shall be binding on all the joint account holders, jointly and severally.
  15. Responsibility for all transactions processed through the ATMs : Operations through the ATM facility on the Cardholders account(s) can only be through the use of  KANGRA   Bank ATM card on the machine. The Cardholder shall in all circumstances, accept full responsibility for all transactions processed by the use of his/ her  KANGRA  Bank ATM card, whether or not processed with the Cardholder's knowledge or authority, express or implied. The printed output that is produced at the time of operation of the ATMs are a record of the operation of the ATMs and shall not be construed as the Bank's records. The Bank's records of transactions shall be accepted as conclusive and binding for all purpose.
  16. Closure of account(s) : If the Cardholder desires to close his account(s) or withdraw any  KANGRA   Bank ATM card linked services/ facilities  , he shall give a written notice of at least 3  days and surrender  KANGRA  Bank ATM card to the Bank. The Cardholder shall also pay dues, if any, payable to the Bank in connection with the ATM facility.
  17. Change of terms and conditions: The Bank has the absolute discretion to withdraw KANGRA Bank ATM card, the service thereby provided, or amend or supplement any of the above terms and conditions at any time without prior notice to the Cardholder.
  18. Honouring the Card : The Bank shall in no circumstances be held liable to the Cardholder if  KANGRA  Bank ATM card is not honoured in the desired manner for whatsoever reason, or if the ATM is destroyed or not functioning due to power failure, temporary insufficiency of cash in the ATM or any other reason. The Bank will not be liable for any consequential or indirect loss or damage arising therefrom.
  19. Ownership of  KANGRA  Bank ATM card:  KANGRA  Bank ATM card shall be the property of the Bank and will be surrendered to the Bank on request or in the event of the Cardholder no longer requiring the service. The Bank reserves the right to disclose, in strict confidence, to other institutions, such information concerning the Cardholder's account as may be necessary or appropriate in connection with its participation in any ATM or Electronic Fund Transfer Network.

" KANGRA  Bank may, at its sole discretion, utilize the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its products/services."                                                                             



Fees / charges




Annual fees (p.a.)

Rs. 115 / Card Inclusive Taxes

Fee applicable to all card holders for yearly card maintenance fees


Additional card (p.a.)

Rs. 115 / Card  Inclusive Taxes

Fee applicable, if card is to be issued to a  account holders other than primary holder


Card Replacement fees

Rs. 155 / card  Inclusive Taxes

Fee applicable, If a customer lost his/ her card and request for another card


RuPay debit card tariff charges


Transaction free of charges as per RBI

First 3 transaction (including Financial + Non-Financial)



a)      Financial (Cash Withdrawal)

Rs.20 / transaction inclusive all taxes

Fee applicable from any 4th  financial transaction onwards performed on other banks’ ATM


b)      Non- Financial (Balance enquiry, mini statement, pin change)

Rs. 11/ transaction inclusive all taxes

Fee applicable from any 4th  non-financial transaction onwards performed on other banks’ ATM


Daily withdrawal Limit

Rs. 20000 / Card



Daily purchase limit

Rs. 50000 / Card


Pin Replacement charges

Rs. 50 / Pin

Fee applicable, If a customer lost / forgets his/ her card and request for another PIN

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