ANNEXURE - I SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES Base 10.50% w.e.f

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1 ANNEXURE - I SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES WORKING CAPITAL LIMITS AND TERM LOANS Advances upto Rs.25 Lacs Term loan & Working Capital - Priority BR % - Non-Priority BR + 4% - NBFCs [excl Micro Finance] BR % All Temporary facilities* (excluding Chit TOD) BR % Chit TOD which is given against chit deposits BR % *All Temporary facilities granted in the absence of regular limits such as TOD / COD (excluding Chit TOD)*, with drawals against uncleared effects allowed, claims paid under Letter of Guarantees, Funded Inland / Import LCs, Overdue installments of Deferred Payment Guarantee or any other clean advances Note 1: ROI for bills discounted under LC will be communicated from time to time Note 2: For Vendor Bills Discounting under Non LC category of advances upto Rs.25 lakhs will be 13.50% p.a 3%) ANNEXURE II SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES OVER Rs LACS AND BELOW RS LACS BASED ON CREDIT RATING Manufacturing / Service / Trading WC / TL Mark Grade Priority Non - Priority NBFC Excl Micro Finance > 90 AAA BR % BR % BR % AA BR % BR + 3% BR % A BR % BR % BR % BBB BR % BR + 4% BR % BB BR % BR % BR % Note: ROI on loans and advances above Rs.50 Lacs shall be based on RMCD rating as per extant guidelines Page 1 of 8

2 LOANS / OVERDRAFTS AGAINST DEPOSITS ROI FOR DEPOSITORS ROI FOR THIRD PARTY# MARGIN 25% & above 2.00% above deposit rate 3.00 % above deposit rate 10% & above and upto 24% 3.00% above deposit rate 3.00 % above deposit rate # ROI on Loans / Overdrafts against third party deposits shall be the applicable rate OR Base Rate whichever is higher SCHEME KVB Varthaga Mitra ANNEXURE III KVB MSME Pack Mark Grade > 90 AAA BR % AA BR % A BR % BBB BR % BB BR % ANNEXURE IV KVB SCHEME LOANS COMMERCIAL BANKING SEGMENT BR + 3% (Priority) BR % (Non-Priority) KVB Rent Fin BR + 4% Professional loan BR + 5% Easy Trade Fin (Max of Rs.8 Lacs) BR % KVB Pharma Plus KVB Rice Plus OCC SOD STL/WCDL Term Loan BR + 2% BR + 1% BR + 2% BR + 2% BR % KVB Timber Plus OCC/SOD BR % Upto Rs.25 L BR + 2% JCB Equipments Above Rs.25 L As per rating Dealer financing scheme (Dealers of Tata Motors)# HPLV Others (Commercial vehicles) BR % BR + 2% Page 2 of 8

3 KVB Transport Plus Existing w.e.f / Revised w.e.f [Upto 5 years] Floating ROI Light commercial vehicle (new) BR % (Existing BR %) Medium and Heavy commercial vehicle (new) BR + 1% Members of District Bus owners Association and Educational Institutions Medium and Heavy commercial vehicle (new) - Others BR % KVB Transport Plus SOD / WCDL BR + 3% Note: For old vehicles, the ROI shall be 1% higher than new vehicles Existing w.e.f Revised w.e.f KVB Transport Plus Fixed ROI Fixed ROI# Fixed ROI Type of vehicle Upto 3 years Upto 3 years Upto 3 years Light commercial vehicle (new) 12.75% 2%) 13.25% 2.50%) 12.50% 2%) 13.00% Medium and Heavy commercial vehicle (new) Members of District Bus owners Association and Educational Institutions Medium and Heavy commercial vehicle (new) - Others 12.00% 1.25%) 12.50% 1.75%) 12.25% 1.50%) 12.75% 2%) 11.75% 1.25%) 12.25% 1.75%) Note: For old vehicles, the ROI shall be 1% higher than new vehicles SCHEME ANNEXURE V KVB SCHEME LOANS PERSONAL BANKING SEGMENT ROI (floating) p.a 2.50%) 12.00% 1.50%) 12.50% 1.75%) Two wheeler loan BR + 5% Flexi mobile loan (New vehicle) BR % Flexi mobile loan (Old vehicle) BR % KVB Quick loan BR % Educational loan For Boys For Girls Upto Rs.7.50 lakhs BR + 3% BR % Above Rs.7.50 lakhs (falling under Priority Sector) BR % BR + 3% Above Rs.7.50 lakhs (falling under Non Priority Sector) BR + 4% BR % Page 3 of 8

4 Personal loan - Secured - Unsecured Bon Voyage - Fully secured - Partly secured BR + 6% BR % BR + 6% BR % Swarna Mitra BR + 5% IPO Funding BR % Housing loan* - For loans upto Rs.20 Lakhs - For loans exceeding Rs.20 Lakhs BR % BR + 1% KVB Mortgage loan BR % *Housing loans upto Rs lakhs shall be classified under Priority Sector, with effect from , as per RBI guidelines. Existing / Revised Existing w.e.f Revised w.e.f Floating ROI Fixed ROI KVB Insta loan# BR % 14.00% 13.75% #ROI on KVB Insta loan modified vide PBG circular no.185/2013 dt ANNEXURE - VI AGRICULTURAL ADVANCES Existing w.e.f / Revised w.e.f SCHEME Farmers Two Wheeler Scheme BR + 1% KVB Green Harvest (Margin 20 %) BR % KVB Green Trac (Margin 20 %) BR % KVB Happy Kisan Scheme Up to Rs.50,000 Rs.50,001 to Rs.2.00 Lacs For Micro Finance Institutions Up to Rs Crs. Self Help Groups (Direct Linkage) BR BR + 1% BR % Up to Rs.25,000 BR Rs.25,001 to Rs.2.00 Lacs BR % Above Rs.2.00 Lacs BR % AGRICULTURAL ADVANCES WHRL Purpose For Farmers* (Upto Rs Lacs) BR For Traders (Upto Rs Lacs) BR % Others (Non-priority) BR + 1% * Modified vide ABG circular no. 177/2013 dt Page 4 of 8

5 AGRICULTURAL & ALLIED ACTIVITIES AGRICULTURAL & ALLIED ACTIVITIES (Including KVB green Cards) LIMIT Up to Rs.50,000 BR Above Rs.50,000 BR % INDIRECT AGRICULTURE Loans eligible to be classified under indirect BR % agriculture JEWEL LOANS AGRICULTURE CATEGORY FIXED Existing w.e.f Revised w.e.f JEWEL LOAN AGRICULTURE ROI ( FIXED) p.a. ROI ( FIXED) p.a. Up To Rs.3.00 Lacs 10.75% 10.50% Above Rs.3.00 Lacs 12.75% 12.50% JEWEL LOANS - NON AGRICULTURE (FLOATING) Existing w.e.f Revised w.e.f JEWEL LOAN TRADE BR % BR %% JEWEL LOAN PERSONAL# BR % BR % #ROI on Jewel Loan Personal revised vide ABG circular no. 190/2013 dt Page 5 of 8

6 ANNEXURE - VII INTEREST RATES ON FOREX CREDIT LIMITS EXPORT CREDIT IN RUPEES 1. PRESHIPMENT CREDIT Existing w.e.f i) a) For the period upto 270 days or due date of the loan / Revised w.e.f BR %# whichever is earlier ( # Variable ROI applicable to specified BR % borrowers as detailed below) b) For the period beyond 270 days & upto extended due date of BR % the loan or 360 days whichever is earlier, if extension is granted by C.O. c) For the period beyond due date or extended due date as the case may be and upto 360 days (when preshipment credit is BR % ECNOS* liquidated out of export proceeds beyond the due date but within 360 days) d) For the entire period of advance (when the preshipment credit is liquidated out of export proceeds beyond 360 days) Note: Approval of ECGC is necessary for allowing/continuing pre shipment credit beyond 360 days to have cover under BR % ii) ECIB-WTPC (WTPCG) For entire period of advance if the goods are not shipped or when preshipment credit is adjusted from other than on presentation of export bills i.e. not repaid in an approved manner (Rupee recovery) BR % (inclusive of penalty) iii) Against incentives receivable from Government covered by ECGC guarantee. a) For the period upto 90 days BR % b) For the period beyond 90 days till the date of payment BR % (inclusive of penalty) *EXPORT CREDIT NOT OTHERWISE SPECIFIED (ECNOS) 2. POST-SHIPMENT CREDIT A) On Demand Bills for Transit Period (as specified by FEDAI) (# Variable ROI applicable to specified borrowers as detailed below) BR %# BR % B) Usance Bills: (For total period comprising usance period of export bills, transit period as specified by FEDAI and grace period wherever applicable) i) Upto 180 days ( # Variable ROI applicable to specified BR %# borrowers as detailed below) BR % ii) Beyond 180 days and upto 365 days from the date of BR % shipment. iii) Beyond 180 days upto 365 days in respect of Gold Card Scheme BR % C) Bills not realized within the NTP / NDD a) For the period beyond NTP/NDD and upto 180 days from the date of advance BR % b) For the period beyond 180 days from the date of advance BR % Page 6 of 8

7 c) Post-shipment credit adjusted other than by realisation of export proceeds i.e. not liquidated in an approved manner (For the entire period, from the date of advance on that portion of liability which is recovered out of domestic resources) D) Against incentives receivable from Govt. covered by ECGC guarantee upto 90 days ECNOS BR % BR % E) Against undrawn balances upto 90 days BR % F) Beyond 90 days for categories (D) and (E) BR % G) Against retention money (for suppliers portion only) payable within one year from the date of shipment a) For the period upto 90 days BR % b) For the period beyond 90 days and upto the maximum period BR % within which payment is to be received c) For the period beyond the maximum period stipulated within which payment is to be received BR % (inclusive of penalty) 3. DEFERRED CREDIT From the date of advance BR % 4. EXPORT CREDIT NOT OTHERWISE SPECIFIED (ECNOS) a) Pre-shipment credit BR % b) Post-shipment credit BR % 5. OTHER THAN EXPORT CREDIT LIBOR % 6. PCFC / EBD LIBOR % # VARIABLE RATE OF INTEREST AS PER OUR CIR.NO.203 DATED The following may be the criteria for fixing the interest rate at BR % in respect of both existing and new customers: 1) The minimum average export turnover for the past three years should not be less than Rs crores. For new entrants into the field of exports, the party should belong to an established group and should be able to do a turnover of Rs crores in a year or two. 2) If the existing clients of our bank, who are possessing RMCD rating of AA or above (internal scoring marks of over 80 marks), approach for fresh export credit, they may be eligible. 3) The collateral security coverage should be not less than 25% of the funded limits. 4) The Sales and profit figures should be showing an increasing trend. Variations, if any, should be reasonable and acceptable. 5) The account should be value oriented and should be beneficial to the bank in the long run. 6) The minimum Pre and Post shipment limits put together should not be less than Rs.2.50 crores. In addition to the above, the existing units should also fulfill the following : a) The exporter s track record should be good. b) The exporter should be regular and prompt in the submission of stock statements. c) There should not be any arrears in the loan accounts, if any. d) The operations in the account with us should reflect the turnover achieved. Note: Branches shall get prior permission from Central Office to charge this interest in case the above parameters are fulfilled by an exporter client who is not sanctioned with this rate earlier. Page 7 of 8

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