The Revised Service Charges are With Effect From 16th May 2011 ANNEXURE - I

Sl No 1.0 1.01 Type of Service MAINTENANCE OF ACCOUNTS Ledger Folio Charges Savings Bank Account Current, Overdraft, Cash Credit account [ 40 entries 1 folio] Duplicate Passbook / Statement With latest entry Previous entries per page Existing Service charges (Inclusive of Service tax) Revised Service Charges * (Inclusive of Service tax) Remarks

NIL Rs 100/- per folio

NIL Rs 200/- per folio To be levied at intervals Rs 100/Rs 200/-

SB passbooks will be updated only once in a month. half yearly In case of SB Accounts, duplicate passbook will be issued with latest entry only. For previous entries statement of account has to be issued

1.02

Rs 75/Rs 75/-

1.03

a)Cheque Leaf Charges (per leaf) For Savings Bank Account

Rs 5/ per leaf [For SB a/c 60 cheque leaves will be free in a FY] Rs 2.50/- per leaf Rs 2.50/- per leaf Rs. 10/- per leaf (Except in Rural & Semi urban branches)

For Current & Barrowal Account For Non-MICR cheques (per leaf) b) Issue of loose cheques All types of Accounts 1.04 Non Maintenance of Quarterly Average Balance Savings Bank a/c Current a/c Corp Classic a/c Please note - SB A/c of Senior Citizens

10 Free Cheque Rs.500 to Rs.1000 20 Fee Cheques Rs.1000 to Rs5000 40Free Cheque above Rs.5000 [leaves will be free in a FY] Rs 3/- per leaf Rs 3/- per leaf Rs. 10/- per leaf (Rural & Semi urban branches and CPSB Accounts free ) The charges for first quarter are waived for newly opened accounts.

Rs 75/- per quarter Rs 300/- per quarter Rs Nill No charges

Rs 100/- per quarter Rs 200/- per quarter Rs Nil As above

Sl No 1.0 1.05

Type of Service MAINTENANCE OF ACCOUNTS Stop Payment Instructions Savings Bank account Current account, Overdraft, Cash Credit Standing Instructions Setting up For execution of standing instructions within the Branch Transaction involving credit to another branch/centre No charges for payment of installments for credit or term deposits maintained at other branches and payment of LIC premium to accounts within the Bank Confirmation of Specimen Signature For all purposes Attesting the Photograph Issue of Certificates No objection / No dues / Balance / Interest charged / Cheque honoured / Account maintaining / etc. Issue of Interest Paid Certificate No Dues Certificate to Govt Sponsored credit Schemes Issue of Duplicate Deposit receipt

Existing Service charges (Inclusive of Service tax)

Revised Service Charges * (Inclusive of Service tax)

Remarks

Rs 50/- per cheque Rs 75/- per cheque

Rs 50/- per cheque Maximum of Rs.300/- per occasion Rs 75/- Per cheque Maximum of Rs 500/- per cheque Rs 40/- One time No charge Rs 40/- per transaction

1.06

Rs 40/- One time No charge Rs 40/- per transaction

1.07

Rs. 75/Rs. 50/-

Rs. 200/Rs. 300/-

1.08

Rs 50/Exempted Exempted Rs 60/-

Rs 100/Rs.100/- except for TDS Exempted Rs 100/-

1.09

Sl No 1.0 1.10

Type of Service MAINTENANCE OF ACCOUNTS Enquiry of old transactions Savings a/c Current & Borrowal a/c Servicing of Dormant account Savings a/c Current a/c

Existing Service charges (Inclusive of Service tax)

Revised Service Charges * (Inclusive of Service tax)

Remarks

Rs 100/Rs 150/For entries upto 1 year no charge Rs 100/- per year Rs 150/- per year

Rs 100/Rs 150/For entries upto 1 year no charge SB account where the balance is Rs. 2500 and above & in case of CA Rs.10000 & above, the charges are waived. In other cases, Branch Managers are empowered to waive the charges on case to case basis.

1.11

Rs 100/- per year Rs 150/- per year

1.12

1.13

1.14

Transfer of Savings Bank a/c Within the Bank To other banks Transfer of Deposits (proceeds or interest) Within the Bank To other banks ( Transfer of Deposit only) Closure of account Savings Bank a/c Current a/c Corp Classic a/c Corp Classic CA

NIL As per DD/PO charges

NIL As per DD/PO charges

NIL As per DD/PO charges

NIL As per DD/PO charges

Rs 200/- within 1 year Rs 100/- after 1 year Rs 300/- within 1 year Rs 300/- after 1 year Rs 112/- within 1 year Rs. Nil after 1 year -

Rs 100/- within 1 year Rs 50/- after 1 year Rs 300/- within 1 year Rs 300/- after 1 year Rs 120/- within 1 year Rs. Nil after 1 year Rs. 400/- within 1 year Rs. Nil after 1 year

Sl No 1.0 1.15

Type of Service MAINTENANCE OF ACCOUNTS Addition / deletion of names in joint accounts / nomination / change in operational instructions Allowing operation in account through Power of Attorney / Mandate holder Savings Bank a/c Current / Overdraft / Cash Credit Change of authorized signatory including reconstitution of account For Savings Bank account withdrawal either by cheque or otherwise exceeding 50 per half year Surrender of unused cheque leaves (Above 50% of unused leaves) Savings Bank a/c Current / Overdraft / Cash Credit Cash Handling Charges [a] First 10 sections of rupee notes (1000 pieces) irrespective of denomination [b] From 11th section onwards ( 1 section = 100 pieces)

Existing Service charges (Inclusive of Service tax) Rs 30 per occasion

Revised Service Charges * (Inclusive of Service tax) Rs.50/-

Remarks

1.16

Rs 100/Rs 225/-

Rs 300/Rs 300/-

1.17 1.18

Rs 125/- for every change Rs 2.50 per withdrawal (Min Rs 11/-)

Rs 200/- for every change Nil

1.19

Rs 112/Rs 225/-

Nil Nil

1.20

Nil

Nil

Rs.10/- per section, upto Rs.100 denomination Rs.6/per section for notes above Rs.100/- denomination. Max. Rs.10,000/-

Rs.10/- per section, upto Rs.100 denomination Rs.6/- per section for notes above Rs.100/denomination. Max. Rs.10,000/per transaction.

Sl No 2.0 2.01

Type of Service REMITTANCES Remittance by issue of Demand Draft (DD), Mail transfer (MT), Telegraphic Transfer (TT) Up to Rs 5000 Rs 5001 to Rs 10000 Rs 10001 to Rs 50000 Rs 50001 to Rs 100,000 > Rs 100,000 (Out of pocket expenses for MT/TT extra) Issue of Pay Orders (PO) / Bankers Cheque / Local DD, RBI or SBI Cheque Up to Rs 5000 Rs 5001 to Rs 10000 Rs 10001 to Rs 50000 Rs 50001 to Rs 100,000 > Rs 100,000 Revalidation (permitted one time), Cancellation and Issue of Duplicate DD / PO Revalidation of Instrument Cancellation of instrument Issue of Duplicate Instrument

Service charges (inclusive of Service tax)

Revised Service Charges * ( Inclusive of Service Tax)

Remarks

Rs 30/Rs 40/Rs 2.50/1000 [Min Rs. 40] Rs 2.50/1000 Rs 2/1000 [Max Rs 10,000]

Rs 30/Rs 40/Rs 2.50/1000 [Min Rs. 40] Rs 2.50/1000 Rs 2/1000 [Max Rs 10,000]

2.02

Rs 30/Rs 40/Rs 2.50/1000 [Min Rs. 40] Rs 2.50/1000 Rs 2/1000 [Max Rs 10,000]

Rs 30/Rs 40/Rs 2.50/1000 [Min Rs. 40] Rs 2.50/1000 Rs 2/1000 [Max Rs 10,000]

2.03

Rs 100/Rs 100/Rs 100/-

Rs 100/Rs 100/Rs 100/-

Sl No 2.0 2.04

Type of Service REMITTANCES Electronic Clearing Service Per Transaction (from the corporate customer) ECS return charges SB Account CA & Borrowal Account If 3 or more ECS debit instructions are returned with the reason insufficient funds, the charges at the following rates: a) SB Account b) Current & Borrowal Accounts

Service charges (inclusive of Service tax)

Revised Service Charges * ( Inclusive of Service Tax)

Remarks

Rs 3/- (Currently waived) Rs. 56/- per transaction Rs. 112/- per transaction

Rs 3/- (Currently waived) Rs. 100/- per transaction Rs. 300/- per transaction

Rs.112/- per transaction Rs.224/- per transaction

Rs.300/- per transaction Rs.500/- per transaction

2.05

Electronic Products RTGS/NEFT Transactions - Customer Transactions For individual & Corporates RTGS Outward transactions Rs. 28/- per transaction Rs. 2 to 5 lakh Rs. 56/- per transaction Rs. 5 lakh and above Nil Inward Local/Outstation NEFT Rs. 6/- per transaction up to Rs.1 lakh Rs. 17/- per transaction 1 lakh to Rs. 2 lakh Rs. 28/- per transaction Rs. 2 lakh and above These charges shall be applicable for all types of transactions, including inter- bank funds transfers.

Rs. 28/- per transaction Rs. 56/- per transaction Nil Rs. 6/- per transaction Rs. 17/- per transaction Rs. 28/- per transaction

Sl No 2.0 2.06

Type of Service REMITTANCES Corp Quick Remit Online inward remittance service for NRIs Handling Charges to be recovered from beneficiary Corp Express Money Transfer facility remittance service for NRIs

Service charges (inclusive of Service tax) Non-account holder Rs 112/Account holder

Revised Service Charges * ( Inclusive of Service Tax) Non-account holder Rs 120/Account holder NIL

Remarks

NIL

2.07

Rs 112/- as handling charges

Rs 112/- as handling charges

Rs 120/- as handling charges

Rs 120/- as handling charges

Sl No 3.0 3.01

Type of Service

Service charges (inclusive of Service tax)

Revised Service Charges * ( Inclusive of Service Tax)

Remarks

COLLECTIONS Collection of Outward / Inward Cheques Upto Rs. 5000/Above Rs 5000 to 10000/Above Rs 10000/- to Rs.1 lakh Above Rs 1,00,000/Rs. 55/- per instrument Rs. 55/- per instrument Rs. 110/- per instrument Rs. 165/- per instrument Rs. 28 /- per instrument Rs.55/- per instrument Rs.110 per instrument Rs.3/1000 & part thereof MAX of Rs. 15000 Nil Rs.2/1000 & part thereof max of Rs. 15000/-

3.02

3.03

Speed Clearing Up to and including Rs.1 lakh Above Rs. 1 lakh ( By Collecting bank from customers) Collection of Outward / Inward Bills Upto Rs 1000 Rs 1001 to Rs 5000 Rs 5001 to Rs 10000 Rs 10001 to Rs 50,000 Rs 50,000 to Rs 100,000 > Rs 100,000

Nil Rs. 165/-

Rs 50/Rs 60/Rs 100/Rs 8/1000 [Min Rs. 100] Rs 8/1000 Rs 8/1000 (Max Rs 17,000)

Rs 50/Rs 60/Rs 100/Rs 8/1000 [Min Rs. 100] Rs 8/1000 Rs 8/1000 (Max Rs 10,000)

Sl No 3.0 3.03

Type of Service COLLECTIONS Return / Dishonour of Bills / Cheques Cheques received in inward clearing For Savings accounts For Current, Overdraft & Cash Credit accounts Cheques sent in outward clearing (per instrument) Dishonour of local / outstation bills and outstation cheques

Service charges (inclusive of Service tax)

Revised Service Charges * ( Inclusive of Service Tax)

Remarks

Rs 100/Rs 150/50% of collection charges (Min Rs. 60) 50% of collection charges (Min Rs. 60)

Rs 100/Rs 150/50% of collection charges (Min Rs. 60) 50% of collection charges (Min Rs. 60)

If 3 or more cheques are returned with the reason insufficient funds, the charges at the following rates: a) SB Account b) Current & Borrowal Accounts

Rs.112/- per cheque Rs.224/- per cheque

Rs.200/- per cheque Rs.300/- per cheque

4.0 4.01

PURCHASE / DISCOUNT OF CHEQUES / BILLS Drawn on our Bank Interest + collection charges + out of pocket expenses Drawn on other Bank Interest + collection charges + out of pocket expenses + other bank charges

Interest + out of pocket expenses Interest + out of pocket expenses + other bank charges

Sl No 5.0 5.01

Service charges (inclusive of Service tax) CORP VAULT (LOCKER FACILITY) / SAFE CUSTODY OF ARTICLES Type of Cabinet Metro Urban SU / Rural Metro (Annual Rent in Rupees) 7000 10 units Cabinet 4000 8800 2500 20 units Cabinet 21 units Cabinet 30 units Cabinet Medium Large 32 units Cabinet Small Medium Large 36 units Cabinet Medium Large 45 units Cabinet 51 units Cabinet Small Medium Large 75 units Cabinet Small Medium Large 90 units Cabinet 7000 6500 3500 7000 1900 3500 9700 2500 5000 1500 1400 2800 7800 1200 2000 6500 1200 4000 3300 2000 4000 1500 2800 4700 1500 3000 1200 1200 2500 4100 1100 1800 3300 1100 2500 2300 1300 2500 800 1500 2900 800 1600 700 700 1500 2300 700 1000 2300 700 8800 8100

Type of Service

Revised Service Charges * (inclusive of Service tax)) Urban SU/Rural Remarks

4000 4000 3300 2000 4000 1500 2800 4700 1500 3000 1200 1200 2500 4100 1100 1800 3300 1100

2500 2500 2300 1300 2500 800 1500 2900 800 1600 700 700 1500 2300 700 1000 2300 700 i)Customers with term deposit of Rs.5 lakh for a period of 1 year will be allowed a concession of 10% of the applicable rate. ii) 25% hike is proposed in metro centers only. No hike is proposed in all other centers.

4400 8800

2400 4400 12000

3100 6300 1800 1800 3500 10000

1500 2500 8200 1500

10

(Three years advance rent shall be collected at the time of allotment of lockers with annual rents payable at end of each year) 5.02 Penal Rent (per month) Small Medium Large Charges for Corp Vault Operations 12 operations free in a Year ; above free limit service charges as under shall be levied for each operation Safe Custody Charges (per annum) Scrips Sealed Cover Sealed Box (upto 12 x 12 x 12) Sealed Box (upto 30 x 30 x 30) Interest / Dividend Warrants Where amount is < Rs 500 Where amount is > Rs 500 Banks Own Term Deposit Receipts Metro 28/56/112/Metro 17/Urban 23/34/56/Urban 17/SU / Rural 11/23/34/SU / Rural 12/Metro 28/56/112/Metro 25/Urban 23/34/56/Urban 20/SU / Rural 11/23/34/SU / Rural SU - 15/Rural 10/-

5.03

5.04

Rs 6 per Scrip (Min 56) Rs 112/Rs 561/Rs 898/0.28% of the amt 0.14% of the amt (Min Rs.1.25) FREE

Safe Custody of Charges facility is withdrawn. Hence forth branches are not to accept any article for safe custody with immediate effect

11

Sl No 6.0 6.01

6.02

Service charges (inclusive of Service tax) CALL DEPOSIT RECEIPTS & SOLVENCY CERTIFICATES Call Deposit Receipt (CDR) Rs 28/ Issue of CDR Rs 34/ Issue of Duplicate CDR Issue of Solvency Certificate Rs 600/ Amounts up to Rs One Lakh Rs 3000/ Above Rs 1 lakh to Rs 3 lakhs Rs 3500/ Above Rs 3 lakhs to Rs 5 lakhs Rs 4500/ Above Rs 5 lakhs to Rs 10lakhs Rs 6000/ Above Rs 10 lakhs to Rs.25 lakhs Rs 8500/ Above Rs 25 lakhs to Rs 50 lakhs Rs 17000/ Above Rs 50 lakhs to Rs 75 lakhs Rs.25000/ Above Rs75 lakhs to Rs 1 crore Rs 50000/ Above Rs 1 crore to Rs.5 crore RS 1.00 LAKH Above Rs. 5 crore Type of Service

Revised Service Charges * (inclusive of Service tax)

Remarks

Rs. 40/Rs.40/Rs 1000/Rs 5000/Rs 6000/Rs 7000/Rs 8000/Rs 8500/Rs 10000/Rs.10000/Rs.10000 + Rs 100 per lakh for amount exceeding Rs 5 crore maximum of Rs.25000/-

Sl No 7.0 7.01

Type of Service ADVANCES (Processing Charges) Consortium Advances where the Bank is the lead Banker

Service charges (inclusive of Service tax) 0.50% of the working capital limits

Revised Service Charges * (inclusive of Service tax) 0.50% of the total assessed working capital limits [ Maximum Rs 50 lakhs] No other processing charges to be levied

Remarks

12

Sl No 7.0 7.02

Type of Service ADVANCES (Processing Charges) Priority Sector Advances < Rs 2 lakhs > Rs 2 lakhs

Service charges (inclusive of Service tax)

Revised Service Charges * (inclusive of Service tax)

Remarks

NIL 0.40% of loan amount (Min Rs.800 & Max Rs.20 lacs)

Upto Rs.25000/- - NIL Above Rs.25000/- to Rs.2 lakh Rs.2.50. Above Rs.2 lakh - 0.40% of loan amount (Min Rs.800 & Max Rs.10 lacs) Nil Rs 250/0.50% of loan amt (Max Rs. 30 Lakhs) Up front fee @ 1% of loan amount [25% to be collected at the time of submission of application] No up front and processing fee for Govt Sponsored Schemes 0.40% of loan amount (Min.Rs.100) ( In case of Priority Sector Jewel loans, it is waived] 50% of charges applicable to fund based limits Maximum of Rs 15 lakhs - NIL-

7.03

Other Advances Up to Rs 25,000 Above Rs 25,000 to Rs 2 lakhs Above Rs 2 lakhs Term Loans (Including Priority Sector)

Rs Nil Rs 250/0.50% of loan amt (Max Rs. 30 Lakhs) Up front fee@ 1.50% of loan amount [25% to be collected at the time of submission of application, Max Rs. 5 Lakhs] 0.40% of loan amount (Min.Rs.100) 50% of charges applicable to fund based limits 0.10% of reviewed term loan amount [Max Rs. 15 Lakhs] As applicable to normal working limits Rs 850+ out of pocket expenses Rs 225/-

Jewel Loans

Non Fund based limits

Review of term loans [including Priority Sector]

7.04

For Adhoc limits

Deliveries / Pledges

7.05

Redemption of Securities

0.1% of the sanctioned limits [ Min Rs.2000 and Max Rs. 1lakh Rs 850+ out of pocket expenses Other than priority sector & Jewel loans Rs 500.

13

Sl No 7.0 7.06

Type of Service ADVANCES (Processing Charges) Inspection Charges per occasion in respect of assets hypothecated/ mortgaged Upto Rs 25,000 Above Rs 25,000 to Rs 2 lakhs Above Rs 2 lakhs to Rs 10 lakhs Above Rs 10 lakhs to Rs 25 Lakhs Above Rs 25 lakhs to Rs 50 lakhs Above Rs 50 lakhs to Rs 1 Crore Above Rs 1Crore to Rs 5 Crore Above Rs. 5 Crore Godown Inspection Charges

Service charges (inclusive of Service tax) A1 Assets per quarter Nil Rs 300 Rs 375/Rs 750/A2,A3 Assets Monthly charges Nil Rs 300 Rs 375/Rs 750/-

Revised Service Charges * (inclusive of Service tax) A1 Assets per quarter Nil Rs.500/Rs.500/Rs 1000/A2,A3 Assets Monthly charges Nil Rs.500/Rs 500/Rs 1000/-

Remarks

Rs 1250/Rs1875/Rs 2500/Rs 12500/At Actual

Rs 1250/Rs1875/Rs 2500/Rs 12500/-

Rs 1500/Rs.2000/Rs 4000/Rs 15000/-

Rs 1500/Rs.2000/Rs 4000/Rs 15000/-

7.07

7.08

7.09

Evaluation Fees (On Agricultural Loans, where NABARD refinance is available) Commitment charges on unutilized portion of sanctioned working capital Credit Limits 1.up to and inclusive of 25% 2.Above 25%

0.56% of capital outlay

Actual travelling charges including Air/Train/bus/taxi fares for which bills to be produced. 0.56% of capital outlay

Nil 0.25% on average unutilized credit

Nil 0.25% on average unutilized credit

14

Sl No 7.0 7.10

Type of Service ADVANCES (Processing Charges) Charges for amendment of any sanctioned terms and revalidation, restructuring and rephasement Limits upto Rs.10 lakhs Limit > Rs 10 lakhs & upto Rs 25 lakhs Limits >Rs.25 lakhs & upto Rs.1 crore : Limits >Rs.1 crore & upto Rs.10 crore : Limits >Rs.10 crore & upto Rs 25 crore: Above Rs. 25 crore (This includes NOC/Ceeding pari passu charges )

Service charges (inclusive of Service tax)

Revised Service Charges * (inclusive of Service tax)

Remarks

Nil Rs.5000; [per occasion] Rs.5000; [per occasion] Rs.50,000; [per occasion] Rs.500000/- [per occasion] Rs.500000/- [per occasion]

Nil Nil Rs.1000; [per occasion] Rs.5,000; [per occasion] Rs.10000/- [per occasion] Rs. 25000/-[ per occasion] Charges will be levied if the amendments asked by the customer are different from the application.

7.11

Equitable Mortgage Charges to be levied for original and extension of mortgages

For commercial loans only less than Rs.1 crore Rs.10000 Above Rs.1 crore to Rs.10 crore Rs.100000 Above Rs.10 crore Rs.200000 Rs.10000/- per Branch [one time charge]

0.1% of the limit Min Rs.500 & Max Rs 25000/For commercial loans only Corp Scheme, Agricalture & personal loan excluded. Rs.10000/- per Branch [one time charge] 2% of outstanding balance

7.12

Earmarking of Limits : to be operated at various branches Pre payment charges

7.13

15

Sl No 8.0 8.01

Type of Service BANK GUARANTEES Performance Guarantees / Other than Performance Guarantees

Service charges (inclusive of Service tax) Rs.225 plus 3% of BG amount per annum for financial guarantees. Rs225 plus 2.5% for other than financial guarantees [Min. of 2 quarter].

Revised Service Charges * (inclusive of Service tax) All types of BGs upto Rs.5 crore : 2.75% above.Rs.5.cr to Rs.10 cr - 2.25% above Rs.10 crore - 1.75% plus Rs.250/= for each BG BGs secured by 100% cash margin 25% of usual charges plus Rs 250/ per BG.

Remarks

Sl No 8.1 8.11

Type of Service INLAND LETTER OF CREDIT All types of usance charges Sight of the Bill [ Tenor ] Up to 7 days sight Over 7 days & upto 3 months Over 3 months sight

Service charges (inclusive of Service tax)

Revised Service Charges * (inclusive of Service tax) LC opening charges minimum Rs.400/-.

Remarks

0.35% 0.55% 0.55% for first 3 months plus 0.30% per month incescess of 3 months Rs.600 0.11% of the amt of LC subject to minimum Rs.225/0.33% for every qtr with minimum of Rs.225 plus usance charge

0.30% 0.60% 0.60% for first 3 months PLUS 0.30% p.m. in excess of 3 months. Rs.600 0.11% of the amt of LC subject to minimum Rs.225/0.33% for every qtr with minimum of Rs.225 plus usance charge

8.12

LC Amendment charges Advising Charges

Confirmation Charges

16

Sl No 8.1 8.13

Type of Service INLAND LETTER OF CREDIT Commitment Charges for the period of liability from the date of opening of LC to the last date of its negotiation Negotiation Charges For bills upto Rs.2.50 lakh Above bills upto Rs.2.50 lakh

Service charges (inclusive of Service tax) 0.30% for every period of 3 months or part thereof

Revised Service Charges * (inclusive of Service tax) 0.30 % for every period of 3 months or part thereof with minimum of Rs.200/-

Remarks

8.14

@ 0.55% with a min. of Rs.225 @ 0.33% with a min. of Rs.225 Plus Discount charges at applicable rate of interest for the period from the date of negotiation to the date of reimbursement Plus All out-of-pocket expenses actually incurred

@ 0.55% with a min. of Rs.225 @ 0.33% with a min. of Rs.225 Plus Discount charges at applicable rate of interest for the period from the date of negotiation to the date of reimbursement Plus All out-of-pocket expenses actually incurred

17

Sl No 8.2 8.21

Type of Service CORP SCHEMES CORP HOME

Service charges (inclusive of Service tax)

Revised Service Charges * (inclusive of Service tax) <30.00 lakhs 30 75 lakhs 0.40% 0.50%

Remarks

Up to Rs 5 lakhs: 0.50% of the limit sanctioned subject to minimum of Rs.1000/- and Maximum of Rs. 2500/Above Rs. 5 lakhs and upto Rs.15 lakhs: 0.50% of the limit sanctioned subject to a minimum of Rs.2500/- and Maximum of Rs. 7500/Above Rs. 15 lakhs and upto Rs.20 lakhs: 0.50% of the limit sanctioned subject to a minimum of Rs.7500/- and Maximum of Rs. 10000/Above Rs. 20 lakhs : 0.50% of the limit sanctioned subject to a minimum of Rs.10000/- and Maximum of Rs. 50000/-

Above 75 lakhs 0.60% If the loan to value ratio is above 75%, 150% of the service charges as calculated above.

8.22

CORP MITRA Demand Loan Nil Running Account

8.23

CORP MORTGAGE

1% of the loan amount sanctioned.

1% of the limit sanctioned subject to a minimum of Rs. 500/0.50% of the limit sanctioned subject to a minimum of Rs. 250/- For For Term Loan: 1% of the limit sanctioned For Running account: 0.50% of the limit sanctioned For Term Loan: 1% of the limit sanctioned + Folio charges For Running account: 0.50% of the limit sanctioned + Folio charges

8.24

CORP VYAPAR 1% of the loan amount sanctioned + Folio charges.

Other charges prescribed as per the Scheme guidelines will continue

18

Sl No 9.0 9.01

Type of Service CREDIT CARD Enrollment Fee Annual Fee (Main Card) Annual Fee (Add-on Card) Interest on revolving credit facility(pm) Cash advance transaction fee Interest on cash advance Late payment fees (per occasion) Over limit charges amount Return on cheque Duplicate statement request (beyond 3 months) Replacement Card Duplicate PIN Charge Slip request Limit enhancement Balance transfer processing fee Balance transfer interest charges Dial a DD Transaction fee Conversion to EMI payment International transaction fee Railway booking surcharge Fuel surcharge

Service charges (Service tax Additional) * CLASSIC NIL NIL NIL 2.50% 2.5%(Min Rs.150) 2.50% pm GOLD NIL NIL NIL 2.25% 2.5%(Min Rs.150) 2.25% p.m. CLASSIC NIL NIL NIL 2.50% 2.5%(Min Rs.150) 2.50% pm GOLD NIL NIL NIL 2.25% 2.5%(Min Rs.150) 2.25% p.m.

30% of Min Amt Outstanding (Min Rs.100 & Max Rs.500) 2% on overall limit (MinRs.100) Rs.100/Rs. 50/Rs.100/Rs. 15/Rs. 100/Rs. 100/1% of transferred amount [Min Rs. 100/-] Rs. 1.50% for 1st 75 days, thereafter normal interest charges as applicable for revolving credit 1% of DD amount. (Min Rs. 100) Processing fee 1% of principal [Min Rs. 100] Preclosure fee 2% of outstanding amount Interest 12% pa 3.5% markup As levied by IRCTC / Railway Counter 2.5% (Min Rs. 10/-)

30% of Min Amt Outstanding (Min Rs.100 & Max Rs.500) 2% on overall limit (MinRs.100) Rs.100/Rs. 50/Rs.100/Rs. 15/Rs. 100/Rs. 100/1% of transferred amount [Min Rs. 100/-] Rs. 1.50% for 1st 75 days, thereafter normal interest charges as applicable for revolving credit 1% of DD amount. (Min Rs. 100) Processing fee 1% of principal [Min Rs. 100] Preclosure fee 2% of outstanding amount Interest 12% pa 3.5% markup As levied by IRCTC / Railway Counter 2.5% (Min Rs. 10/-)

19

Sl No 9.0 Non 9.02

Type of Service CREDIT CARD Charges to be levied for using other bank ATM for credit card operations Bilateral tie-ups Cashnet ATMs NFS ATMs VISA ATMs [Domestic] VISA ATMs [International] Type of Service

Service charges (Service tax Additional) * Cash Non-Cash Cash Non Cash

Rs 30/Rs 30/Rs 30/Rs 50/Rs 110/-

Rs 12/Rs 12/Rs 12/Rs 30/Rs 25/-

Rs 30/Rs 30/Rs 30/Rs 50/Rs 110/-

Rs 12/Rs 12/Rs 12/Rs 30/Rs 25/Remarks

Sl No 10 10.01

Service charges (inclusive of Service tax) ATM CUM DEBIT CARD (CORP CONVENIENCE) Schedule of fees / Charges Rs Nil Joining fee Rs 99 (Free for first year) Annual fee Rs 165/Card Replacement fee (other than due to manufacturing defect / theft of card) Rs 27.50 Regeneration of Duplicate PIN Operation at VISA ATM outside India Cash Transaction Rs 125 (USA) / Rs 165 (Others) Non-cash transaction Rs 30 (USA) / Rs 30 (Others) Currency Conversion charges 2% of amount Charges levied by VISA US$ 1 (USA) / US$ 1.5 (Others) Fuel surcharge Railway booking surcharge 2.5% of amount (Min Rs 10) As levied by IRCTC / Railway counter

Proposed Service Charges (inclusive of Service tax)

Rs Nil Rs 99 (Free for first year) Rs 165/-

Rs 30 Rs 125 (USA) / Rs 165 (Others) Rs 30 (USA) / Rs 30 (Others) 2% of amount US$ 1 (USA) / US$ 1.5 (Others) 2.5% of amount (Min Rs 10) As levied by IRCTC / Railway counter

10.02

Charges to levied using other Bank ATMs in India Cash Non Cash

FREE FREE

20

Sl No 11.0 11.01

Type of Service

Existing Service charges (inclusive of Service tax)

Proposed Service charges * (inclusive of Service tax)

ANY BRANCH BANKING & MULTI CITY CHEQUE Cash withdrawal / Deposit at remote branches (for self withdrawal ) Amt < Rs 25,000 = Rs 20/ For all types of Savings accounts Amt > Rs 25,000 to Rs 50,000 = Rs 50/Amt > Rs 50,000 to Rs 100,000 = Rs 2/1000For Current and Borrowal accounts Funds Transfer For all types of Savings, Current and Borrowal accounts [ Per transaction] Rs 2.25/1000 (Min 56)

Nil.

11.02

Amt uptp Rs 100,000 = Rs 6/Amt Rs 100,001 upto Rs 500,000 = Rs 28/Amt above Rs 500,000 = Rs 56

Amt uptp Rs 100,000 = Rs 6/Above Rs 100,001 upto Rs 2 00,000 = Rs 17/Above Rs 200,000 = Rs 28 On par with NEFT charges Applicable DD/PO charges

11.03 11.04

Issue of Demand Draft / Pay Order at remote branches Deposit of local cheques at remote branches For all types of Savings accounts

Applicable DD/PO charges

Amt < Rs 25,000 = Rs 10/Amt > Rs 25,000 to Rs 50,000 = Rs 20/Amt > Rs 50,000 = Rs 1.5/1000- [Min Rs 60 & Max Rs 5000/-] Rs 1.50/1000 (Min 30 & Max 7500)

Nil Nil Nil Nil

11.05

For Current and Borrowal accounts Instant Credit of cheques drawn on remote branches For all types of Savings accounts

For Current and Borrowal accounts

Amt upto Rs 25,000 = Rs 10/Amt > Rs 25,000 to Rs 50,000 = Rs 20/Amt > Rs 50,000 = Rs 1.5/1000- [Min Rs 60 & Max Rs 5000/-] Rs 1.50/1000 (Min 30 & Max 7500)

NIL

21

Sl No 11.0 11.06

Type of Service

Existing Service charges (inclusive of Service tax)

Proposed Service charges * (inclusive of Service tax)

ANY BRANCH BANKING & MULTI CITY CHEQUE Multi City Cheque Book facility Cheque Book issuance charges Savings accounts* (20 leaves free Rs 2.50 per leaf in a year) Rs 2.50 per leaf Current / Borrowal accounts Transaction charges on amount NIL Savings account* Rs 1.50/1000 (min Rs 10 and max Rs 7500) Current / Borrowal accounts

Rs 3 per leaf Rs 3 per leaf NIL Nil

- MCC facility is available to select SB account holders only. Type of Service INTERNET BANKING SERVICE CHARGES Fund transfer within the Bank (for Savings accounts) Fund transfer within the Bank (for other than Savings accounts) Fund transfer outside the Bank (NEFT) Issue of DD / PO Cheque Book request Stop Payment request Payment of LIC premium Payment of Tax Railway ticket booking NIL 25% concession applicable on ABB-Funds Transfer charges Applicable NEFT Charges 25% concession applicable on normal DD/PO charges NIL NIL NIL NIL Rs 12/Service charges (inclusive of Service tax) NIL 25% concession applicable on ABB-Funds Transfer charges Applicable NEFT Charges 25% concession applicable on normal DD/PO charges NIL NIL NIL NIL Rs 12/Proposed Service Charges * (inclusive of Service tax)

Sl No 12.0 12.01

12.02 SMS Banking Rs. 100/Rs. 100/-

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Sl No 13.0 13.01

Type of Service MISCELLANEOUS Postal / Mail Tariff Ordinary Post Registered Post Speed Post Telegram / Telex Courier E-mail Parcels < 1000 cc size > 1000 cc size

Service charges (inclusive of Service tax)

Proposed Service Charges * (inclusive of Service tax)

Rs 15/Rs 30/Rs 50/Rs 25/Rs 30/FREE Rs 225 Rs 225 for first 1000 cc + Rs 140 for every additional 1000 cc

Rs 15/Rs 30/Rs 50/Rs 25/Rs 30/FREE Rs 225 Rs 225 for first 1000 cc + Rs 140 for every additional 1000 cc

subject actual charges

13.02

23

Sl No 14.0 14.01

Revised Service charges (inclusive of Service tax) CORP VAULT (LOCKER FACILITY) CHARGES APPLICABLE FOR STAFF/RETIRED STAFF Type of Cabinet (Annual Metro Urban SU / Rural Rent in Rupees) 32 units Cabinet 775/590/370/ Small 1330/1130/775/ Medium 2715/1960/1550/ Large Type of Service 45 units Cabinet 51 units Cabinet Small Medium Large 75 units Cabinet Small Medium Large 90 units Cabinet 545/505/345/-

590/1185/2090/-

505/1005/1730/-

325/775/1185/-

505/865/1760/505/-

415/710/1370/415/-

325/505/1185/325/-

(One years advance rent shall be collected at the time of allotment of lockers with annual rents payable at end of each year. Failure to pay rent for the next year in advance will attract a penalty of Rs 11/- per month or part thereof for the period of default. In case of other sizes of locker, the charges will be as per comparable size.)

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Service Charges for Current Account Variants [CBCA]

Sl No 1. 2. 3. Particulars Cash deposit at remote branch Cash withdrawal at remote branch Local cheque collection involving remote branch at other centers Multi City Cheque facility at any center Funds Transafer between any branch / center Corp Business A/c FREE FREE Free Corp Business Premium a/c FREE FREE Free Corp Business Club a/c FREE FREE FREE Corp Business Privilege a/c FREE FREE FREE

4.

Rs 1.50/1000 (Min 30 & Max 7500) Amt uptp Rs 100,000 = Rs 6/Above Rs 100,001 upto Rs 2 00,000 = Rs 17/Above Rs 200,000 = Rs 28 Rs 2.50/1000 (Min 30 & Max 10000)

Free upto Rs. 40 lakh/month above which 50 % concession Free upto Rs. 40 lakh/month above which 50 % concession

Free upto Rs. 80 lakh/month above which 50 % concession FREE

FREE

5.

FREE

6.

Demand Draft payable at any center

Free upto Rs. 5 lakh/day above which Rs. 1/1000 (Min. 30 & Max. 10000)

Free upto Rs. 10 lakh/day above which Rs. 1/1000 (Min. 30 & Max. 10000)

Free upto Rs. 20 lakh/day above which Rs. 1/1000 (Min. 30 & Max. 10000) FREE

7.

PO issued from base branch

Rs 2.50/1000 (Min. 30 & Max. 10000) Rs 28 for upto Rs 5 Lakhs Rs 56 for > Rs 5 lakhs Amt uptp Rs 100,000 = Rs 6/Above Rs 100,001 upto Rs 2 00,000 = Rs 17/Above Rs 200,000 = Rs 28

FREE

FREE

8.

RTGS transaction

Rs 28 for upto Rs 5 Lakhs Rs 56 for > Rs 5 lakhs Amt uptp Rs 100,000 = Rs 6/Above Rs 100,001 upto Rs 2 00,000 = Rs 17/Above Rs 200,000 = Rs 28

50% concession

FREE

9.

NEFT transaction

Amt uptp Rs 100,000 = Rs 6/Above Rs 100,001 upto Rs 2 00,000 = Rs 17/Above Rs 200,000 = Rs 28

FREE

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10.

Outstation cheque collection at any branch / centre, within / outside Corp Bank network.

Rs.28/- For Upto & including Rs. 5000/Rs 55 for above Rs.5000 upto Rs 10000 Rs 110 for amt above Rs 10000 and upto Rs 1 lakh Rs 3/100 for above Rs 1 lakh Rs 200 / statement Rs 3/leaf

Rs.28/- For Upto & including Rs. 5000/Rs 55 for above Rs.5000 upto Rs 10000 Rs 110 for amt above Rs 10000 and upto Rs 1 lakh Rs 3/100 for above Rs 1 lakh Rs 200 / statement 100 leaves FREE; additional Rs 3/leaf for local/MCC Rs. 60 + Cheque collection charges Rs 150 (+ interest, if applicable)

Rs.28/- For Upto & including Rs. 5000/Rs 55 for above Rs.5000 upto Rs 10000 Rs 110 for amt above Rs 10000 and upto Rs 1 lakh Rs 3/100 for above Rs 1 lakh FREE 200 leaves FREE; additional Rs 3/leaf for local/MCC Rs. 60 + Cheque collection charges Rs 150 (+ interest, if applicable)

FREE

11. 12.

Duplicate Account Statements Cheque book charges

FREE FREE

13.

Cheque return charges for outward clearing Cheque return charges for inward clearing cheques

Rs. 60 + Cheque collection charges Rs 150 (+ interest, if applicable)

Rs. 60 + Cheque collection charges Rs 150 (+ interest, if applicable) FREE

14.

15.

Stop Payment charges

Rs 75 / cheque or Rs 500 / Range Rs 100/folio

25 % concession

50 % concession

16.

Ledger Folio Charges

Free 40 folios/yr.Above that 75/folio Rs 750 Rs 400

FREE

FREE

17. 18.

Charges for non-maintenance of QAB Account closing charges (within 1 yr)

Rs 200 Rs 300

Rs 2000 Rs 750

Rs 5000 Rs 1000

f:/rmd/sbk/annex2.doc * REVISED SERVICE CHARGES ARE W.E.F. 16-05-2011.

26

SUB: REIVIEW OF SERVICE CHARGES FOR CHEQUE COLLECTION LOCAL OUTSTATION AND SPEED CLEARING. 1.0 Reserve Bank of India, Mumbai has communicated vide their letter No. DPSS.CO.CHD .No. 1671/03.06.01/2010-11 dated 19.01.2011 that Reserve Bank of India would continue to mandate charges for small value transactions relating to savings account customers, greater freedom is being accorded to banks to determine charges for large value transactions, subject to such charges being levied by the banks in fair and transparent manner. Accordingly, following Service Charges for a) Local Clearing ( by Clearing House from Member Banks) b) Outstation cheque collection c) cheque collection under Speed clearing are prescribed for Savings Bank account to be implemented from 01.04.2011. A copy of the same is enclosed. a) Service (Processing) Charges for Local Clearing (by Clearing Houses from Member Banks) Existing (Rs.) Presenting Drawee Bank Bank 1.00 1.00 0.50 0.50 Revised (Rs.) Presenting Drawee Bank Bank 1.00 1.50 0.50 1.00

System Clearing at MICR-CPCs Cheque Truncation

(b) Service Charges for Outstation Cheque Collection Existing (Rs.) Service Value charge from all customers Up to and including 10,000 50 Revised (Rs.) Service charge Value from Savings a/c customers Up to and including 5,000 25^ Above 5,000 and up to and 50*^ including 10,000

27

Above 10,000 and up to and including 1,00,000 Above 1,00,000

100 150

Above 10,000 and up to and including 1,00,000 Above 1,00,000

100*^ Left to the banks to decide

* No change. ^ All inclusive maximum amount chargeable by banks to the customers.

(c) Service Charges for Cheque Collection under Speed Clearing (by Collecting Banks from customers) Existing (Rs.) Value Up to and including 1,00,000 Above 1,00,000 * No change. Service charge from all customers Nil 150 Value Up to and including 1,00,000 Above 1,00,000 Revised (Rs.) Service charge from Savings a/c customers Nil* Left to the banks to decide

Under item No. b above, the charges for collection of cheques in case of Savings Bank account holder for cheques valued above Rs. 1 laks , we propose Rs. 3/ 1000 maximum of Rs. 15000/- . This is inclusive of all expenses and taxes. 28

Under item No. c Service Charges for Cheque Collection under Speed Clearing (By collecting Banker from Customer) for the cheque value above Rs. 1 lakh , we propose Rs.2/1000 maximum of Rs. 15000/- for Savings Bank Account holder only. 2.0 Further, RBI has reiterated that Banks are free to fix charges for collection of instruments for credit to other types of accounts. Keeping the present banking trends in view and maintaining the similarity in charges for easy monitoring. We propose to levy the above prescribed charges of Savings Bank account to all the running accounts also. As prescribed by the RBI in its above letter under point No. 6 that while fixing service charges not mandated in their letter dated 19.01.2011, banks may note the following (a) The service charge structure put in place by the bank should have the approval of the Board of Directors. (b) Charges fixed should be reasonable and computed on a cost-plus-basis and not as an arbitrary percentage of the value of the instrument. The service charges-structure should not be open ended and should clearly specify the maximum charges that would be levied on customers including charges if any, payable to other banks. (c) While sharing service charges, banks may be guided by the provisions of circular CIR / RB-I / CCP / 64 dated April 8, 2010 issued by the Indian Banks' Association. (d) Banks may note to ensure that collection charges fixed for instruments of any value is lower under Speed Clearing vis-avis Outstation Cheque Collection so as to encourage the use of Speed Clearing. e) The service charges mandated /fixed by banks are inclusive of all charges ( postal, courier handling,etc)

3.0

F:\PCSD\2011\CIR\ NXF:\PCSD\2011\CIR\SCH CIR NX-I.doc

29