INTEREST RATE FOR MICRO & SMALL ENTERPRISES (MSE) MSE PSL cases (without exposure ceiling) & MSE non-psl cases (for exposure up to 5 crore)

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1 INTEREST RATE FOR MICRO & SMALL ENTERPRISES (MSE) MSE PSL cases (without exposure ceiling) & MSE non-psl cases (for exposure up to 5 crore) 1. Indicative Rate of Interest (ROI) structure (per annum) A. Interest rate applicable for Micro & Small Enterprise (MSE) loans under Priority Sector Lending (PSL) and/or Government Sponsored Schemes (GSS), up to 10 lakh. Category Scoring Minimum ROI Above 85% MCLR (Y) % Loan up to 50,000/- Above 70% up to 85% MCLR (Y) % Above 60% up to 70% MCLR (Y) % Above cut-off and up to 60% MCLR (Y) % Above 85% MCLR (Y) % Loan above 50,000/- Above 70% up to 85% MCLR (Y) % and up to 5 lakh Above 60% up to 70% MCLR (Y) % Above cut-off and up to 60% MCLR (Y) % Loan above 5 lakh and up to 10 lakh Above 85% MCLR (Y) % Above 70% up to 85% MCLR (Y) % Above 60% up to 70% MCLR (Y) % Above cut-off and up to 60% MCLR (Y) % Note A For cases sanctioned under CGTMSE, the rate of interest to be so fixed that the overall cost to the borrower shall not exceed 14% per annum including Annual Guarantee Fee (AGF). The AGF plus applicable taxes thereon for cases sanctioned under CGTMSE as per extant Master Circular on CGTMSE, to be charged and borne by the borrower separately. The maximum ROI for loan up to 50,000/- sanctioned to SHISHU category under Pradhan Mantri Mudra Yojana (PMMY) shall not exceed 12% per annum. The Guarantee Fees for loans eligible under Credit Guarantee Fund for Micro Units (CGFMU) managed by National Credit Guarantee Trustee Company (NCGTC) to be borne by the borrower separately. B. MSE (PSL) Loans and Advances rated under MSE Scoring Model - applicable for exposure above 10 lakh and up to 2 crore (including cases sanctioned under MSME Products) Scoring Minimum Rate of Interest Micro Enterprises Small Enterprises Above 85% MCLR (Y) % MCLR (Y) % Above 70% up to 85% MCLR (Y) % MCLR (Y) % Above 60% up to 70% MCLR (Y) % MCLR (Y) % Above cut-off and up to 60% MCLR (Y) % MCLR (Y) %

2 Note B For cases sanctioned under CGTMSE, the rate of interest to be so fixed that the overall cost to the borrower shall not exceed 14% per annum including Annual Guarantee Fee (AGF). The AGF plus applicable taxes thereon for cases sanctioned under CGTMSE as per extant Master Circular on CGTMSE, to be charged and borne by the borrower separately. For the loans sanctioned under Stand Up India Scheme, maximum ROI not to exceed MCLR + 3% per annum, irrespective of the rating. NCGTC Annual Guarantee Fee (AGF) plus applicable taxes, as per extant Circular on Stand Up India, to be charged and borne by the borrower separately. C. MSE (PSL) Loans and Advances rated under Risk Assessment Model (RAM) - applicable for exposure above 2 crore (including cases sanctioned under MSME Products) Internal Credit Rating (Grade) Minimum Rate of Interest Micro Enterprises Small Enterprises AAA MCLR (Y) % MCLR (Y) % AA MCLR (Y) % MCLR (Y) % A / P1 MCLR (Y) % MCLR (Y) % BBB / P2 MCLR (Y) % MCLR (Y) % BB+ MCLR (Y) % MCLR (Y) % BB / P3 MCLR (Y) % MCLR (Y) % D. MSE (non-psl) Loans and Advances with exposure up to 5 crore (including cases sanctioned under MSME Products) - Indicative Rate of Interest (per annum) Internal Credit Rating (Grade) Minimum Rate of Interest AAA MCLR (Y) % AA MCLR (Y) % A / P1 MCLR (Y) % BBB / P2 MCLR (Y) % BB+ MCLR (Y) % BB / P3 MCLR (Y) %

3 Notes: SCHEDULE OF CHARGES MSME - PSL CASES (without exposure ceiling) &MSME NON-PSL CASES (for exposure uptors.5 Cr.) (including Renewable Energy and Social Infrastructure) (With effect from January 1, 2016) 1. All charges are exclusive of Service Tax/other Government levies. 2. Trade Finance charges will be levied as per the Schedule of Charges (SOC) of Trade Finance Department. (Upfront/Processing/Documentation & Other charges) 1 Upfront Fee/Processing Fee for Term Loan UptoRs. 5 Lakh Nil Above Rs. 5 Lakh 1% of sanction amount. 2 Processing Fee (PF) for Working Capital Advances-Fund Based and Non-Fund Based UptoRs. 5 Lakh Above Rs. 5 Lakh * # Adhoc limit New Cases/ Enhancements (only on enhanced portion). For renewal portion, PF as given in next column. Nil 3 Processing Fee (PF) for Stand-alone LCBD facility 4 Prepayment Charges (for Term Loan& WC excluding NFB limit) Nil Renewal 0.50% of sanctioned amount 0.25% of sanctioned amount 0.50% of the adhoc limit on pro-rata -- basis. * PF for loans exceeding Rs.5 lakh, to be charged on total loan amount. # Pro-rata processing fee to be charged during the non-renewed period. UptoRs. 5 lakh Nil Above Rs. 5 lakh 0.10% of sanction amount, Maximum Rs. 10,000/- If from own sources: If by way of takeover by other Banks / FIs: NIL 2% of loan outstanding on TL & 2% of sanctioned limit of WCL (excluding NFB limit)

4 5 Documentation charges Upto Rs.25000/ Above Rs.25000/- Notes: 6 No dues Certificate 7 Lead Bank Charges (wherever applicable): 0.30% p.a. of total fund and non-fund based limits 8 Balance Confirmation Certificate (Requested by customer): 9 Interest Certificate 10 Charges for providing Credit Report: 11 Charges for revalidation of Sanction (for fresh sanctions & enhancements): 12 Enquiries/copy of past transactions NIL 0.10% of the loan amount with a minimum of Rs.100/-and maximum of Rs.25000/- 1 For Review / Renewal case (without enhancement) No documentation charges to be levied. 2 For Renewal-cumenhancement Documentation charges on enhanced portion as cases per the above schedule. 3 Stamp duty & other charges to be borne by the borrower on actual basis. 1 st copy Nil 2 nd Copy onwards Rs. 100 per certificate 1 st copy No charges 2 nd copy onwards Rs. 100 per certificate 1 st copy No charges 2 nd copy onwards Rs. 100 per certificate At request of Bank/FI At request of Customer No charges Rs per occasion. For credit limits uptors. 5 lakh NIL For credit limits above Rs. 5 lakh to Rs % of the limit. Maximum Rs. 10,000/- lakh For credit limits above Rs. 100 lakh 0.25% of the limit. Maximum Rs. 50,000/- Record up to 3 months old Beyond 3 months Rs. 25 per record/entry, minimum Rs. 100/- per occasion. 13 Statement of Account including Closed Accounts ( statement of account to be provided free of cost in the first instance during a month): Rs. 10/- per page, minimum Rs.100/- per occasion.

5 14 Inspection Charges: Limits Up to and NIL inclusive of Rs.25000/- Limits above Rs.25000/- Actual taxi/travel expenses incurred with a minimum of Rs. &upto Rs.10 lakh 100/-per inspection. Limits above Rs.10 Actual taxi/travel expenses incurred with a minimum of Rs. lakh&upto Rs.1 crore 500/-per inspection. Limits above Rs.1 crore Actual taxi/travel expenses incurred with a minimum of Rs. 1000/-per inspection. 15 Solvency Certificate Charges Amount of Solvency Certificate Charges UptoRs. 10 lakh 0.1% of the amount with minimum of Rs.500/- Above Rs.10 lakh upto Rs.2 crore 0.1% of the amount with a maximum of Rs.10,000/- Above Rs.2 crore 0.05% of the amount with maximum Rs.50,000/- 16 Non-submission of stock statement/ QIS, wherever applicable As per Bank s extant guidelines issued from time to time. 17 Non-submission of annual report within 6 months of the audited balance sheet Sanction limit above Rs. 100 lakh Rs. 2000/- per quarter, or part thereof 18 Substitution of Security (Requested by customer): Rs.5000/- at the time of each substitution of security. 19 All out-of Pocket Expenses: At actuals. (Example: expenses incurred by the Bank on behalf of borrower like ROC charges, Registration of lien, vetting, valuation, Title Search of immovable property, other Legal expenses etc.)

6 Schedule of Charges or transaction based facility S.N. Nature of transaction Charges 1 Cash Withdrawal - Self and Third Party 2 Fund Transfer - Cheque/ account to account transfer at Non-Home Branch 3 Cheque collection (Branch/Non Branch Locations) Local Outstation Speed Clearing outside CTS Grid (service charges for speed clearing within the CTS grid jurisdiction, waived) 4 Foreign Currency Inward / Outward Remittances / Certificate 5 DD/PO/Omni pay Cancellation 6 Cheque Stop Payment instructions Range Charges per instrument Upto Rs. 5000/- Rs. 25/- Upto Rs /- Rs. 50/- Upto Rs /- to Rs. Rs. 100/- 1,00,000/- Rs. 1,00,001 and above Rs. 150/- Other bank commission will be recovered separately Range Charges /transaction Upto Rs /- Nil Above Rs. 1,00,000/- Rs. 150/- per instrument As per Trade Finance Guidelines Rs. 60/- per instrument (exclusive of service charges) Per leaf Rs. 60/- For a Range Rs. 115 Through net banking 7 A/c closure charges Nil 8 Setting up of Standing Rs. 50/- (per instances) Instructions 9 Standing Instructions Rs. 225/- (per instance) rejection/failure 10 ECS / Cheque - Issued and Returned Financial Reason Rs. 225/- Technical Reason

7 11 Cheque deposited and returned Local Cheque Rs. 60/- Outstation Cheque Rs. 115/- (To be collected by Branch Manually) Technical Reason 12 Arranged / Unarranged Overdraft / Cheque Purchase (Subject to Approval) Per Occasion (A) Interest (B) 13 Home Banking Facility Cash Delivery & Pick Up 14 NEFT Upto Rs Rs. 10,001 to Rs. 1,00,000 Rs. 1,00,001 to Rs. 2 lakh Above Rs. 2,00,001 Transactions through net banking 15 RTGS Time Varying Tariff (TVT) Hours Hours After Hours Hours After Hours to Hours 16 Cheque leaves Rs. 115/- (To be collected by Branch Manually) 18.75% (auto collection) As per Schedule of Charge (SOC) for CDP Service Rs. 5/- per transaction Rs. 15/- per transaction Rs. 25/- per transaction Rs. 2 lakh to Above Rs. Rs. 5 lakh 5 lakh Rs. 25/- Rs. 50/- Rs. 26/- Rs. 51/- 50 leaves per quarter Above free limit Rs. 2/- per leaf Rs. 30/- Rs. 55/- 17 DD/PO/Omni Pay 15 transactions per month Above free limit Rs. Minimum Rs. 53/- 1.10/1000/- (exclusive of service charges) 18 Cash deposit for both home branches and non-home branches * Cash deposit at any branch is subject to non-home branch acceptance