Annexure 1. Applicable schedule of charges and Penal Interest for Retail Agri and Commodity Product

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1 Annexure 1 Applcable schedule of charges and Penal Interest for Retal Agr and Commodty Product Sr. Applcable Charges 1 Account Statement Issuance Charges Monthly by post No charge Daly / Weekly / Monthly by e-mal No charge Adhoc statement from any branch. Rs. 100 per statement v Passbook updaton NA 2 Processng Charges Renewal of Schematc/Non-schematc proposal Extenson of currency of lmt wthout detaled apprasal Schematc and non-schematc Agrculture Accounts (Where account could not be renewed n tme due to delayed submsson of data by the borrower, the charge s to be recovered for contnung the advance and for extenson of currency of lmts). 75% of charges as applcable for the new proposal / as applcable under the scheme. 75% of charges as applcable for the new proposal for the perod the currency of lmt s extended from the date of expry of the lmt wth a mnmum charge for 3 months / as applcable under the scheme. 3 Account Servce Charges (ASC) Only Performng Assets* Sanctoned lmts upto Rs.0.25 lakhs No charges v v Sanctoned lmts above Rs.0.25 lakh and upto Rs.1.00 lakh Sanctoned lmts above Rs.1.00 lakhs and upto Rs.3.00 lakh Sanctoned lmts above Rs lakhs and upto Rs lakh Sanctoned lmts above Rs lakhs and upto Rs lakhs Rs Rs Rs Rs v Sanctoned lmts above Rs lakhs Rs Issuance of opnon report Sancton lmt upto Rs lakhs No charge Sancton Lmts above Rs lakhs and upto Rs lakhs Sancton Lmts above Rs lakhs and upto Rs lakhs Rs. 250 per report Rs. 500 per report v Sancton lmts above Rs. 100 lakhs Rs per report

2 Applcable Charges 5 Allocaton of Lmts Per branch* Sancton Lmts upto Rs. 100 lakhs Rs One tme Sancton Lmts above Rs. 100 lakhs Rs One tme 6 Documentaton In case of Smple/Regstered Mortgage/Equtable Mortgage A Sanctoned Lmt In case charge not to be regstered wth CERSAI In case charge s to be regstered wth CERSAI 1. Sancton Lmts upto Rs. 1 lakh Nl Nl Sancton Lmts above Rs. 1 lakh and upto Rs. 5 lakhs Sancton Lmts above Rs. 5 lakhs and upto Rs. 25 lakhs Sancton Lmts above Rs. 25 lakhs and upto Rs. 100 lakhs Sancton Lmts above Rs. 100 lakhs and upto Rs. 500 lakhs Nl Rs. 1,000 Nl Rs. 1,500 Rs. 1,500 Rs. 3,000 Rs. 4,000 Rs. 5, Sancton Lmts above Rs. 500 lakhs Rs. 6,000 Rs. 7,500 B Extenson of exstng mortgage For securng the enhanced lmts / fresh lmts sanctoned to the borrower 50% of relevant slab of charges In favour of other lenders 50% of relevant slab of charges For securng the enhanced lmts / fresh lmts sanctoned to a 3 rd party 50% of relevant slab of charges C Substtuton of ttle deeds 100% of relevant slab of charges. * The out of pocket expenses (such as stamp duty, legal charges etc.) to be recovered separately. 7 Sgnature Verfcaton Per applcaton / letter Rs. 100/- 8 Enqury related to old records more than 1 year old Per tem Rs. 200/- 9 Issuance of No Dues Certfcate Per certfcate Rs. 100/- or as per State law 10 Penal Interest*

3 Delay / non-submsson of Fnancal Follow-up Reports (FFRs) / QIS wthn the stpulated tme / Non- submsson of audted balance sheet wthn stpulated perod or 6 months from the end of fnancal year of the company. Applcable Charges 6% per annum on the outstandng amount n fund based workng captal credt facltes from the date of default. Non-payment of nterest / nstallment on due date or non-realzaton of the blls on the date of payment or drawngs over lmt / DP. 6% per annum on the amount of overdue nstallment / nterest / charges / unrealzed blls purchased / dscounted / drawngs over lmt / DP. Expry of workng captal lmts 6% per annum on the outstandng amount of Fund-Based credt facltes. 11 Cash Transactons A Free lmt Home Branch Cash Deposts Free lmt of Rs. 60 lacs per month n case of Retal Agr advances and Rs. 30 lacs per month for Commodty Product (rrespectve of segment). Charges above free lmt Rs. 3 per thousand B Free lmt Charges above free lmt Inter branch (ntercty & ntracty) Cash Depost Rs. 5 lacs per month for segment 10 accounts and Rs. 10 lacs per month for Commodty Product. Rs per thousand (mnmum Rs. 100 per transacton) Maxmum daly lmt for nter-branch deposts (ntercty & ntracty) Rs. 25 lacs 12 Annual Mantenance Charges for fund based workng captal accounts Only Performng Assets* Sancton Lmts upto Rs lakh No Charge v v v Sancton Lmts above Rs lakh and upto Rs. 1 lakh Sancton Lmts above Rs. 1 lakh and upto Rs. 5 lakhs Sancton Lmts above Rs. 5 lakhs and upto Rs. 10 lakhs Sancton Lmts above Rs. 10 lakhs and upto Rs. 25 lakhs Sancton Lmts above Rs. 25 lakhs and upto Rs. 100 lakhs Rs. 250 Rs. 500 Rs Rs Rs. 3500

4 v Sancton Lmts above Rs. 100 lakhs and upto Rs. 300 lakhs Applcable Charges Rs NEFT & RTGS Transactons NEFT Outsde Axs Bank RTGS Outsde Axs Bank Upto Rs lakh Rs per transacton. Above Rs 1.00 lakh to Rs 2.00 lakhs Rs per transacton Above Rs Lakhs Rs per transacton. Rs. 1 lakh to Rs lakhs - Nl Above Rs 2.00 lakhs to Rs 5.00 lakhs - Rs per transacton. Above Rs 5.00 lakhs Rs per transacton 14 Collateral Management Charges (Commodty Product) 1. All the above charges wll attract applcable Servce Tax, whch wll also have to be collected from the Borrower. 2. Out of pocket expenses n all cases are to be recovered separately. Annexure 1B Mscellaneous System drven/manual Charges Retal Agr Sr. 1 CHEQUE TRANSACTIONS a b Cheques deposted at Home branch or any other branch n the same cty for local clearng/collecton Cheques deposted at any Axs Bank branch outsde Home branch locaton for local clearng/collecton Free If under Speed clearng, Upto Rs 1 lakh : Free Above Rs 1 lakh : Rs 150/- per nstrument (charges nclusve of all out of pocket expenses) If not under speed clearng Upto Rs 10,000 : Rs 50/- per nstrument Above Rs10,000/- and upto Rs. 1,00,000 : Rs. 100/- per nstrument Rs. 1,00,001 and above: Rs. 150/- per nstrument (These charges are nclusve of all out of pocket expenses)

5 c Cheques deposted at non-home branch for outstaton collecton through our bank network Upto Rs 10000/- : Rs. 50/- Above Rs 10000/- upto Rs 1 lakh: Rs 100 per nstrument Above Rs 1lakh: Rs 150/- per nstrument (Charges nclusve of postage) d Handlng charges for return of cheques deposted at non-home branch and sent on collecton through our bank network 50% of applcable collecton charges; mnmum Rs 500/- per cheque/nstrument. E f g Cheques deposted at non-home branch for outstaton collecton through other Bank Handlng charges for return of cheques deposted at non-home branch and sent on collecton through other Bank Postage (n addton to above collecton/ handng charges) Upto Rs 10000/- : Rs. 50/- Above Rs10000/- and upto Rs. 1,00,000 : Rs. 100/- per nstrument Rs. 1,00,001 and above: Rs. 150/- per nstrument (These charges are nclusve of other bank charges) 50% of applcable collecton charges, mnmum Rs 500/- per cheque/nstrument plus other bank charges Rs. 50/- per cheque 2 FUND TRANSFER a Fund transfer Intra cty between accounts mantaned wth our Bank No charges b Fund transfer Inter cty between accounts mantaned wth our Bank wth debt orgnaton at non-home branch locaton No charges c Fund transfer Inter cty between accounts mantaned wth our Bank wth debt orgnaton at home branch locaton No charges 3 CHEQUE BOOK CHARGES () Per leaf Frst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leaf 4 CHEQUE RETURN CHARGES () Charges on return of cheques deposted at home branch for local clearng Rs 500/- per cheque

6 5 STOP PAYMENT () Per nstrument Rs 100/- per nstrument, maxmum Rs per nstructon () Per Seres Rs per seres, per nstructon 6 STANDING INSTRUCTIONS () Settng up Rs per nstructon () Executon (Intra-bank Fund Transfer) Rs. 25/- per nstructon () Executon (Inter-bank Fund Transfer) Rs. 50/- per nstructon PlusIf DD/PO are ssued as per Standng Instructons, DD/PO charges would be applcable. PlusIf spatch of DD/PO s nvolved, then postage charges of Rs 50/- per DD/PO to be recovered. 7 REMITTANCE DEMAND DRAFT/PAYORDER () () () (v) (v) (v) (v) (v) (x) Issue of Payorder Issue of Demand Draft (Payable at Axs Bank Locatons) Issue of Demand Draft (DD)(Payable at Correspondent Bank Locatons under Desk Drawng arrangement) Issue of Demand Draft Purchased from other banks. Cancellaton of Demand Draft/ Pay order drawn on our Bank Cancellaton of Demand Draft drawn on correspondent bank Issuance of duplcate Demand Draft/ Pay order drawn on our Bank Issuance of duplcate Demand Draft drawn on correspondent bank Revaldaton of Demand Draft/Payorder drawn on our Bank Ad valorem charges : Free Transacton charges : 15 payorder free per day: above that Rs 50/- per pay order Ad valorem charges : Free Transacton charges : 15 demand drafts free per day: above that Rs 50/- per DD Rs 1.00 per thousand; Mnmum Rs 25 per DD At cost Rs 75/ per demand draft/payorder Other bank charges plus Rs 125/- per Demand Draft Rs 50/- per demand draft/ payorder Other bank charges plus Rs 100/- per Demand Draft Rs 50/- per demand draft/ payorder

7 (x) Revaldaton of Demand Draft drawn on correspondent bank Other bank charges plus Rs 125/- per Demand Draft 8 Bank Guarantees * () Performance Guarantee 1.75% p.a. Mnmum Rs. 1000/- () Fnancal Guarantee 1.75% p.a. Mnmum Rs. 1000/- * In case of BGs opened under 100% cash margn, 50% of the above rates would be applcable wth a mnmum of Rs per Bank Guarantee. Further, n case of all BGs, commsson to be recovered on the bass of actual quarters n whch the valdty of guarantee ncludng clam perod expres. 9 Issuance of Solvency Certfcate () Solvency Certfcate for value of Rs 1.00 lakh Rs () () (v) (v) (v) Solvency Certfcate for value of over Rs 1.00 lakh but upto Rs 10 lakhs Solvency Certfcate for value of over Rs 10 lakhs but upto Rs 25 lakhs Solvency Certfcate for value of over Rs 25 lakhs but upto Rs 50 lakhs Solvency Certfcate for value of over Rs 50 lakhs but upto Rs 1.00 crore Solvency Certfcate for value above Rs 1.00 crore Rs Rs Rs Rs Rs At par cheque drawng faclty () Free Lmt Rs 1.00 crore of transacton per month () Above free lmt Payment of At par cheques at non-home branch locaton Rs 0.50 per thousand, mnmum Rs 25/- and maxmum of Rs 50000/- per cheque. * Servce Tax to be leved as per applcable rate.