Service charges related to various Savings Bank and Current Account products (Updated as on ) Details

Service charges related to various Savings Bank and Current Account products (Updated as on 01.12.2017) SL No. Details Table No. 1 Savings Bank - Charges, facilities and other benefits for privilege and ordinary accounts 1 Part A SIB Junior,SB Basic, SB Privilege Standard & Mahila, Silver, Gold, NRE Diamond & Platinum 1A Part B SIB Youth Plus,SIB Mahila, SIB Mahila Plus, GSSA (Standard, Smart, Executive, Advantage) & SIB Invest 1B 2 Currrent Accounts - Charges, facilities and other benefits for CD General, Standard, Silver, Gold, Platinum, Ruby, Diamond, CD Smart accounts 2 3 Other features, terms and conditions of SB products 3 4 Remittances - Demand Draft, TT and RTGS/NEFT/IMPS 4 5 Instruments Received for Collection from other Banks and our branches/collection of outstation Instruments 5 6 Debit Cards 6 7 Standing Instruction 7 8 Foreign Exchange related 8 9 3 Tier service charge structure 9 10 Collection of Deposit Receipts on maturity 10 11 Safe custody of articles 11 12 Demat 12 13 Safe Deposit Locker 13 14 Miscellaneous 14 Abbreviations used: A = Automated recovery by Finacle system BP = Batch Process to be run at prescribed periodicity by DICT, Ernakulam Manual = To be recovered by debiting the customer account by the branches 15 Cash Handling Charges 15

FEATURES / SERVICE CHARGES OF SAVINGS BANK ACCOUNTS ( Table 1 A) Rates excluding GST SB Privilege Sl no Particulars SIB Junior Basic SB* Standard & Mahila Privilege Silver Privilege Gold Previlege NRE Diamond Previlege Domestic Platinum 1 Monthly Average Minimum Balance NA NA Rs. 1000/- Rs. 5000/- Rs. 10,000/- Rs. 50,000/- Rs. 1,00,000/- 2 Maximum Charges for not maintaining minimum Balance (Charges collected on prorata basis) NA NA Rs. 100/Month Rs. 100/Month Rs. 100/Month Rs.100/month Rs.100/month 3 Ordinary/ABB Cheque Leaves NA First cheque book with 10 leaves free 25 cheque leaves free per calender year 25 cheque leaves free per calender year 25 cheque leaves free per calender year cheque books 4 Cheque Book Charges NA Rs.3/- per leaf above free limits 5 AMC on ATM Card Refer Table 6 6 ATM Card /Internet Banking repin Charges per change Cheque / ECS return charges - outward returns (cheque / ECS mandate drawn / Rs.2/- per Rs. 1000/- with a minimum of and a maximum of Rs.400/- per cheque / ECS mandate returned 7 Not Applicable registered by the customer and returned to other banks / branches) (Effective from 01/10/2016) 8 Cheque return charges - Inward returns (Cheque drawn in favour of the customer presented in clearing / collection dishonoured by other banks / branches) 9 Remittance of cash 10 Withdrawal of cash through branches other than parent branch 11 Movement of funds as other than by way of cash to parent branches 12 Demand Draft commission (20 % extra charges for Cash DDs & 1.5 times of such charges for Cash DDs purchased after 2.00 p.m.) 13 RTGS/NEFT Fund Transfer (inward) 14 RTGS/NEFT outward (Transactions including transactions through Internet Banking above free limits will be charged as per the RTGS/NEFT slab)) Not Applicable for child's education purpose Rs.50/- per instrument. Not Eligible (per day limit of Rs. 2,00,000/-) As per RTGS/NEFT slab Rs.1 per 1000 or Rs.50/- whichever is higher and with a maximum commission of Rs.10,000/- per DD. Monthly Rs. 10,000/- free. (Above free limit, Rs. 1/1000) Rs.50,000/- free per month Refer Table 15 Monthly Rs. 50,000/- free (Above free limit, Rs. 1/1000) Rs. 1,00,000/- free per Month Monthly Rs. 1,00,000/- free. (Above free limit Rs. 1/1000) Rs. 2,00,000/- free per Month cheque books 15 Transactions through other bank ATMs in India (Rs.20/- per transaction above the free limits for cash withdrawal and Rs.9 per transaction for non financial transactions. Rate is including GST. Transactions include both cash withdrawal & other non financial transactions like balance enquiry, mini statement etc. ) Monthly 5 transactions free Monthly 5 transactions free (of which a maximum of 4 financial transactions) * Monthly 5 transactions free 20 Reactivation charge for Mobile Banking Service (after deactivating the service) 16 Mobile Banking and fund transfer through mobile banking subject to self/third party transfer limits fixed by the bank Not Eligible 17 Demat Account Not Eligible for Demat A/c Usual Charges Usual charges Usual charges No AMC No AMC 18 AMC on SMS Banking Service ** Not Eligible Rs. 75/- half yearly for resident customers and Rs.150/- half yearly for NRI customers 19 Change in Mobile number for Mobile Banking Service * Basic SB: Only 4 withdrawals are allowed including ATM withdrawals per month.transactions above the free limits are chargeable as Rs.20/- per transaction. ** SMS Banking Service: Customers who have registered their mobile number with the bank will receive SMS alerts on ATM /POS/Net Banking/Mobile Banking transactions free of charges subscription to SMS Banking Service is not mandatory.

FEATURES / SERVICE CHARGES OF SAVINGS BANK ACCOUNTS (Table 1B) Rates excluding GST Sl no Particulars Youth Plus Mahila Plus GSSA-Standard GSSA-Smart GSSA-Executive GSSA- Advantage 1 Monthly Average Minimum Balance Rs. 1000/- Rs. 5,000/- NIL NIL NIL Rs. 1000/- NIL 2 Maximum Charges for not maintaining minimum Balance (charges collected on prorata basis) Rs. 100/Month Rs. 100/Month NIL NIL NIL Rs.100/ month NIL A 3 Ordinary/ABB Cheque Leaves cheque books 35 cheque 35 cheque leaves 50 cheque leaves 50 cheque leaves 25 cheque leaves per leaves free free per calendar free per calendar free per calendar calendar year free per calendar year year year year A 4 Cheque Book Charges NA Rs.3/- per leaf above free limits A 5 AMC on ATM Card Refer Table 6 A 6 ATM card /Internet Bankingrepin Charges per change M 7 Cheque / ECS return charges - outward returns (cheque / ECS mandate Rs.2/- per Rs. 1000/- with a minimum of and a maximum of Rs.400/- per cheque / ECS mandate returned (Effective from drawn / registered by the customer and returned to other banks / 01/10/2016) branches) A Cheque return charges - Inward returns (Cheque drawn in favour of the 8 customer presented in clearing / collection dishonoured by other banks Rs.50/- per instrument M / branches) 9 Remittance of cash Refer Table 15 NA 10 Withdrawal of cash through branches other than parent branch NA 11 Movement of funds as other than by way of cash to parent branches NA 16 12 Fast Money - Fund Transfer (Rs. 5/Lakh above free limits) (Fund transfer up to Rs. 5000/- per transaction to/from SB A/cs in other branches free) Demand Draft commission (20 % extra charges for Cash DDs & 1.5 times of such charges for Cash DDs purchased after 2.00 p.m.) Rs.1 per 1000 or Rs.50/- whichever is higher & with a maximum commission of Rs.10,000/- per DD. 5 Drafts totaling to Rs. 50,000/-free per month. Above free limit Rs. 1/1000 Rs. 20,000/- free Rs. 10,000/- free per month. Above per month. Above free limit Rs. free limit Rs. 1/1000 1/1000) Rs. 30,000/- free per month. Above free limit Rs. 1/1000) SB invest Rs. 2/1000 (Min. Service Charges Rs. 25/- per DD) 13 RTGS/NEFT Fund Transfer (inward) NA RTGS/NEFT outward (Transactions including transactions through Rs. 2,00,000/- free per Rs. 10,000/- free Rs. 20,000/- free Rs. 30,000/-free 14 Internet Banking above free limits will be charged as per the No free limits No free limits A month. per month per month per month RTGS/NEFT slab)) 15 Transactions through other bank ATMs in India (Rs.20/- per transaction above the free limits for cash withdrawal and Rs.9 per transaction for non financial transactions ) Rates including service tax Monthly 5 transactions free (including non financial transactions like balance enquiry, mini statement etc. ) 16 Demat Account Usual Charges Usual Charges Usual Charges Usual Charges Usual Charges Usual Charges 17 AMC on Mobile Banking Services ** Not Applicable Rs. 75/- half yearly for resident customers and Rs.150/- half yearly for NRI customers Monthly 5 transactions free (including non financial transactions like balance enquiry, mini statement etc.) Rs. 75/- half yearly for residents Rs. 75/- half yearly for residents Usual Charges Rs.75/- half yearly for residents 18 Change in Mobile number for Mobile Banking Service M 19 Reactivation charge for Mobile Banking Service after deactivating the service) M ** Mobile Banking Service: Customers who have registered their mobile number with the bank will receive SMS alerts on ATM /POS/Net Banking transactions free of charges and for this, subscription to Mobile Mode of Recovery A A A-for AMC A

Special Features of SB Products (Table 3) Sl no *Basic SB Savings Bank account with cheque *Savings Bank account without cheque facility facility $ *Savings Bank Account - SIB Junior 1 Maximum number withdrawals 150 per Maximum number withdrawals 150 per Not eligible for Mobile Banking/Internet Not eligible for Mobile Banking/Internet financial year (including withdrawals financial year (including withdrawals Banking Facility Banking Facility through ATMs) through ATMs Students who have completed 10 years If the number of withdrawal exceeds If the number of withdrawal exceeds 2 Third Party cheques will not be collected 150 times, the bank may charge Rs.2/- 150 times, the bank may charge Rs.2/- in these accounts for each withdrawal over and above the for each withdrawal over and above the Can be opened with Rs. 10/- permitted number permitted number 3 Immediate credit of out station cheques Introduction by HOD /Principal 4 will not be permitted No minimum balance stipulation No cheque Books 5 Maximum number of withdrawal is restricted to 4 per month - Transactions beyond this ceiling will be chargeable at Rs. 20/- per transaction. fund transfer from Parent's account ATM cum debit card DD for child's education Educational loan as per eligibility 6 ATM cum Debit card *Additional facilities/services will be provided to these accounts on maintaining the stipulated minimum balance and upgrading the account. $ Fresh accounts are not opened under this category

SL no Particulars 1 Monthly Average Minimum Balance 2 Charges for Non Maintenance of Minimum Balance 3 Ordinary/ABB cheque leaves 4 AMC on ATM Card 5 ATM card/ Internet Banking repin charges 6 AMC on Mobile Banking Service** Change in Mobile number for Mobile Banking 7 Service. 8 9 10 11 12 13 CD General Rs.5,000/- (quarterly) Rs.175/quarter Remittance of cash through branches other than parent branch(applicable cash handling charges will be collected) Withdrawal of cash through branches other than parent branch Movement of funds as other than by way of cash to parent branches CHEQUE RETURN CHARGES Cheque / ECS return charges - outward returns (cheque / ECS mandate drawn / registered by the customer and returned to other banks / branches) Cheque return charges - Inward returns (Cheque drawn in favour of the customer presented in clearing / collection dishonoured by other banks / branches) Cheque return charges (OCC/ ICC returned/dishonoured by other banks/branches) Cash Handling Charges (Applicable for parent branch as well as non- parent branch cash remittance) FEATURES / SERVICE CHARGES OF CURRENT ACCOUNTS (Table 2) Rates excluding GST CD Premium General CD Premium Standard CD Premium Silver CD Premium Gold CD Premium Platinum CD Premium Ruby CD Premium Diamond Rs.250/month Rs.500/month First cheque book with 25 leaves per calendar year free; Rs.3/- per leaf above free limits per change Rs.75/- half yearly Rs.5,000/- Rs.10,000/- Rs.50,000/- Rs.1,00,000/- Rs.5,00,000/- Rs.10,00,000/- Rs.25,00,000/- Metro &Urban Rural& Semi Urban Rs.50,000/- Rs.25,000/- Reconnection charge for Mobile Banking Service (to reactivate after inactivating the service) Not Eligible up to a maximum limit of Rs. 2,00,000/- per day refer Table 15 Refer Table 6 Refer Table 15 Without AMC to one registered mobile number. Rs.4/- per Rs. 1000/- with a minimum of Rs.200/- and a maximum of Rs.800/- per cheque / ECS mandate returned (Effective from 01/10/2016) Rs.50/- per instrument per instrument CD Smart 100 leaves free per month with flexible free limits. Rs.3/- per leaf above free limits Refer Table15

14 Demand Draft commission (20 % extra charges for Cash DDs & 1.5 times of such charges for Cash DDs purchased after 2.00 p.m.) 15 RTGS/NEFT Fund Transfer (inward) 16 RTGS/NEFT Fund Transfer (Outward including transactions through Internet Banking) Rs.1.25/1000; Minimum Rs.50/- whichever is higher Rs.1.25/1000; Minimum Rs.50/- whichever is higher. Maximum. Rs.10,000/- Maximum. per DD Rs.10,000/- per DD. Charged as per RTGS/NEFT Slab Rs.1.25/100 0; Minimum Rs.50/- whichever is higher. Maximum. Rs.10,000/- per DD. upto Rs.2 lakhs monthly. Above limit: Rs.1.25/1000; Minimum Rs.50/- whichever is higher. Maximum. Rs.10,000/- per DD. upto Rs.5 lakhs monthly. Above limit: Rs.1.25/1000 ; Minimum Rs.50/- whichever is higher. Maximum. Rs.10,000/- per DD. upto Rs.20 lakhs monthly. Above limit: Rs.1.25/1000 ; Minimum Rs.50/- whichever is higher.maxi mumrs.10,0 00/- per DD. upto Rs.50 lakhs monthly. Above limit: Rs.1.25/1000; Minimum Rs.50/- whichever is higher. Maximum Rs.10,000/- per DD. ** Mobile Banking Service: Customers who have registered their mobile number with the bank will receive SMS alerts on ATM /POS/Net Banking transactions upto Rs.5 lakhs & 30 instruments monthly with flexible free limits. Above limit: Rs.1/1000; Minimum Rs.50/- whichever is higher. Maximum. Rs.10,000/- per DD. First 30 RTGS/NEFT transactions free per month with flexible free limits. Above free limit- Rs.5/- per lakh.

SL no Charges for Demand Drafts, TT and RTGS/NEFT/IMPS (Table 4) Particulars DD TT 1 Issue Upto Rs.10000/-, Rs.50/-minimum;Above Rs.10000/-, Rs.1 per 1000 or Rs.50/- minimum whichever is higher. Maximum.Rs.10,000/- (20 % extra charges for Cash DDs & 1.5 times of such charges for Cash DDs purchased after 2.00 p.m.) Rs.2/1000 + Telephone charges with Minimum Rs.100. (20 % extra charges for Cash TTs & 1.5 times of such charges for Cash TTs purchased after 2.00 p.m.) 2 Issue of Duplicate DD 3 DD revalidation 4 Cancellation of DD NA NA NA RTGS/NEFT/IMPS (Including transactions through internet Banking) RTGS NEFT/ IMPS Rs 2 lakh to less than Rs 5 lakh ( Rs 25+GST) Rs 5 lakh and above - (Rs 50+GST) Upto & including Rs 10000 - (Rs 2.5+GST) Above Rs 10000 upto & including 1 lakh - (Rs 5+GST) Above Rs 1 lakh upto & including Rs 2 lakh - (Rs 15+GST) Above Rs 2 lakh - (Rs 25+GST)

CHEQUE COLLECTION CHARGES (Table - 5) Charges on instruments received/sent for collection from/to other banks and our branches SL no Particulars Charges 1 Amount Cheques from other banks Cheque from our branches Bills 2 upto Rs.1000 Rs.15/- Rs.15/- Rs.20/- 3 Above Rs 1000 and upto Rs.5000 Rs.25/- 4 5 6 Above Rs.5000 and upto Rs.10,000 Above Rs.10,000 and upto Rs.1,00,000 Above Rs.1,00,000 and upto Rs.10,00,000 Rs.25/- Rs.50 + other bank charges Rs. 5.00 per Rs. 1000/- Rs.30/- Rs.25+other bank charges Rs.35/- Rs.50/- Rs.1.5/1000 + other bank charges Rs.1.5/1000 Rs. 4.00 per Rs. 1000/- (Min Rs. 500/-) 7 Above Rs.10,00,000 Rs.1.5/1000+ other bank charges Rs.1.5/1000 Rs. 3.00 per Rs. 1000/- (Min Rs. 4000/- Collection of outstation instruments(not through clearing) Particulars Charges 8 Amount Cheques Bills 9 Upto 1000/- Rs. 50.00 Rs.20 10 above Rs. 1,000/- to Rs. 5,000/- Rs. 50.00 Rs.30 11 above Rs. 5,000/- to Rs. 10,000/- Rs. 50.00 Rs.50 12 above Rs. 10,000/- to Rs. 1,00,000/- Rs. 100.00 Rs. 5.00 per Rs. 1000/- 13 above Rs. 1,00,000/- to Rs. 10,00,000/- Rs. 150.00 Rs. 4.00 per Rs. 1000/- (Min Rs. 500.00) 14 above Rs. 10,00,000/- Rs. 150.00 Rs. 3.00 per Rs. 1000/- (Min Rs. 4000.00) 15 Extra Charges No extra charge Postage 16 Immediate Credit of Cheques upto Rs.15000/- Normal Collection Charges for Outstation Cheques - Rs.5/- per instrument for Local Cheques 17 Release of proceeds of uncleared cheques/drafts Commercial rate of interest with minimum Rs.50/-

Card Variants MasterCard Titanium EMV; MasterCard Gold; Maestro VISA Classic EMV;VISA Classic Magnetic Stripe; VISA Gold Magnetic Stripe RuPay Classic EMV; RuPay Classic Magnetic Stripe RuPay Platinum EMV; RuPay Platinum Magnetic stripe; VISA Platinum Magnetic Stripe; VISA Platinum EMV; MasterCard Platinum Magnetic Stripe; MasterCard Platinum EMV For cards issued till 31st March, 2016 Rs. 150+ GST (annually) VISA Platinum EMV NFC MasterCard World EMV MasterCard Platinum Business Debit EMV 1 For all debit cards issued from 1st April, 2016 onwards, AMC is applicable at Rs. 200 + GST. Table-6 Annual Maintenance Charges for Debit Cards Annual Maintenance Charges Rs. 150+ GST (annually) For cards issued from 1st April, 2016 onwards Rs 200 + GST (annually) Rs. 100 + GST (quarterly) Rs 500 + GST (annually) Rs. 200 + GST (annually) Rs. 200 + GST (annually) For all the Debit Cards (new/existing) issued in current accounts except MasterCard Platinum Business Debit EMV, AMC of Rs. 400 + GST is applicable with effect from 01st April 2017 onwards. For Basic variant Debit Cards [RuPay Classic EMV, VISA Classic EMV, MasterCard Titanium EMV] issued from 01.01.2018 onwards, AMC from the first year will be applicable. 1 For issuance only in eligible Current Accounts Table 6-A Issuance/Re-issuance Fees for Debit Cards Card Variant Issuance Fee RuPay Classic EMV International/Domestic; VISA Classic EMV; MasterCard Titanium EMV; MasterCard Platinum EMV; RuPay Rs 200 + GST for SB & Rs 500 + GST for CD/OD Platinum EMV VISA Platinum EMV NFC MasterCard Platinum Business Debit EMV MasterCard World EMV Rs 400 + GST for SB & Rs 500 + GST for CD/OD Rs 500 + GST Rs 500 + GST Table 6-B Other Charges for usage of Debit Cards Description Charges Debit Card Repin Charges Rs 100 + GST for Paper PIN; NIL for Green PIN

Other Bank ATM Transactions Domestic Cash Withdrawal - Rs 20 Incl GST; All Other Transactions - Rs 8 Incl GST; For SB customers, 5 domestic ATM transactions per month are allowed [Including Financial & Non-Financial transactions). Cross Currency Markup Charges International Cash Withdrawal - Rs 150.00 Incl GST; Balance Enquiry - Rs 25.00 Incl GST; A cross-currency mark-up of 3.5% will be levied on all international cash withdrawal and purchase transactions

SL Particulars no 1 A.Setting up charges B. Standing Instruction 2 Amendment Charges 3 C.Execution Charges 4 D.Bank Induced internal charges Standing Instruction charges (Table 7) Charges Rs.10/- ( for RD) 5 E.Customer Induced (Payment of utility bills, remittance to the beneficiary etc.) DD charges plus postage/courier charges with minimum Rs.10/- per instance.

SL No FOREX CHARGES (Table 8) 1 FC Export Bills and INR Export bills purchased/ discounted/ negotiated For forwarding export document to another bank to whom the 2 negotiation is restricted 3 Collection of Bills-FC and INR 4 Issue of certificate/attestation in respect of export documents Export Letter of Credit 5 Advising letter of credit 6 Advising amendments Confirmation Charges 7 A.Commitment Charges 8 B.Usance Charges 9 Transfer of LC Import Letter of Credit 10 Opening of Import LC A.Commitment Charges 11 B.Usance charges Amendments to Import LC Extension of validity of LC within 3 months period (for which 12 commitment charges have been collected) Where Extension goes beyond 3 13 months Enhancement of value of Credit a) 14 Commitment charges 15 b) Usance Charges 16 Amendment extending Tenor of Bill of Exchange Amendment other than extension 17 of validity or enhancement of tenor of bill of exchange Charges on account of 18 discrepancies in documents in case of bills under LCs Commission on Import Bills Rs.600/- per Bill upto US $ 5000;Rs.1200/- per Bill over US $ 5000 Rs.1000/- per bill 0.10% of the bill with minumum Rs.600/-and maximum Rs.25,000/- Rs.120/- per certificate /per bill attested Rs.1000/- per LC Rs.500/- per amendment 0.15% for every qaurter or part there of A. 0.25% for bill up to 3 month sight B. 0.25% for the fort 3 months and.10% for every month in excess of 3 months for bills over 3 months Rs.500/-for each advice 0.25% for every qaurter or part there of 0.30% for bills upto 90days sight and.20% per month in excess of 90 days for bills over 90 days sight Rs.500/- for each advice of amendment Fresh commitment charges of 0.50% per quarter or part thereof subject to 0.25% for every quarter or part thereof 0.30% for bills up to 90 days sight 0.30% for bills up to 90 days sight plus 0.20% per month in excess of 90 days for bills over 90 days sight Appropriate additional usance charge Rs.500/- for each advice of amendment US$30/- to be taken from outside party

19 A.FC bills at the time of crystallization or retiremen 20 B.Not under Letter of Credit Clean Payments 21 A.Effected under instructions from foreign correspondent 22 B.Where payments are to be made to another bank Certificates 23 For issue of bank certificate on security paper(firc) 24 a) Within 6 months from the credit 25 b) Within 12 months from the credit 26 c) Within 24 months from the credit 27 d) After 24 months from the credit 28 For Counter Guarantees to be issued to Foreign Banks Outward Remittances On all foreign currency outward 29 remittances, not being proceeds of import bills: i) Up to USD 500 or equivalent 30 ii) > USD 500 to USD 1000 or equivalent 31 iii) > USD 1000 32 iv) Remittance by TT (Our Charges) 33 v) Remittance by TT (SHA)* Forward Contracts 34 For Booking 35 For cancellation/rebooking 36 Out of Pocket Expenses Such as Telex/Cable/fax 37 Correspondent Bank Charges Remittance Inward 49 Inward TT in FC 50 51 TCs TCs Selling 52 TCs Encashing 53 TCs - Foreign Currency 0.002 0.002 per payment Rs.500/- per payment Rs.250/- per certificate Rs.400/- per certificate Rs.500/- per certificate Rs.1000/- per certificate 50% of the charges levied by the foreign bank Rs.300/- per DD Rs.400/- per DD Rs.500/- per DD Up to USD 5000 - Rs.1500/- + swift charges USD 5001 to USD 25000 - Rs.2000/- +swift charges Commission applicable to DD +swift charges a) Up to Rs.10000/- : Rs.200/- b) Rs.10001 to Rs.1.00 lac: Rs.350/- c) Above Rs.1.00 lac : Rs.600/- Rs.500/- per contract Rs.500/- Actuals with Rs.350/- for each activity Actuals Base Rate + 1.25% Base rate +1.25% Base rate +1.50%

Reasonableness of Bank Charges Three Tier Charges(Table 9) In rural branches, 65% of applicable charges only for accounts of Individuals for all services in Normal SB accounts and for transactions up to Rs.10000/- In non-rural branches, for accounts of individuals 75% of applicable charges only for all services in Normal SB accounts and for transactions up to Rs.10000/- In the case of senior citizens and pensioners for all services in Normal SB accounts and for transactions upto Rs.10000 only 65% of the applicable charges in all branches. For Basic SB accounts in rural branches only 65% of the applicable charges for all services in Normal SB accounts and for transactions up to Rs.10000/- For Basic SB accounts in non-rural branches only 75% of charges for all services and for transactions upto Rs.10000/- For SB KJS accounts of Individuals in rural branches only 65% of the charges for all services and transactions up to Rs.10000/- For SB KJS accounts of Individuals in non- rural branches only 75% of the charges for all services and for transactions up to Rs.10000/- (Mode of Recovery Manual/Automatic) 3 Tier Charge Structure Sl No Type of Charges Remarks Current Normal Charge Structure as applicable for Tier-I is given below (For Tier-II 75 %, Tier-III-65% of normal charges given below would be applied) 1 DD Issue System will be calculating charges based on DD Purchaser account, entered by user. For cash transactions and office account transactions, no classification is possible. For DD transaction lesser than or equal to Rs 10,000, the 3-tier charges shall be applicable. 2 DD Cancellation Manual 3 DD Duplicate Issue Manual 4 DD Revalidation Manual 5 ATM AMC Charges per annum 6 OCC Charges Branches have to choose the right charge code, while lodging an OCC 0.25% of the DD Amount Minimum Rs.50/- MICR Charge Rs.3/- (Cash charges are not included as it does not have a relevance in 3-tier charges which is for account based debits) Commission + courier charges + Other bank charges at actuals. The commission amount is based on amount tiers (ASTM Codes in FINACLE).

7 8 9 Collection Of Local Cheques Clearing Cheques return Outward Clearing Clearing cheque return Inward Clearing 10 OCC Retd.(to us) This would be automatically done, based on OCC commission code chosen by user The charge is half of the original OCC commission + courier charges + Other bank charges at actuals Minimum Rs. 100 For cheque amounts lesser than or equal to Rs 10,000, the 3- Fixed Rs.50/- tier charges shall be applicable. Rs.2/- per Rs. 1000/- with a minimum of and a maximum of Rs.400/- per cheque returned. (effective from 01/10/2016) For cheque amounts lesser than or equal to Rs 10,000, the 3-Since no minimum amounts are separately tier charges shall be applicable. mentioned for 75%, 65% tiers 75% and 65% of (minimum) shall be applicable for instruments up to 10000 of individuals and special individuals. 11 OCC Retd.(by us) Manual As above 12 Cheque book charges NIL Rs.3/- per leaf 13 Duplicate Pass Pass-sheet-System charges based on Adhoc Printing in case Sheet of Pass-sheets. Rs.50/- 14 Or.Duplicate Pass Book (Passbook printing duplicate charge collection is presently being done manually) Rs.50/- 15 Stop Payment NIL 16 Account Closure SBA With Cheque Rs.25/- NIL running>6 months SBA Without Cheque Rs. 25/- 17 Account Closure SBA With Cheque Rs.75/- NIL running<6 months SBA Without Cheque Rs.75/- 18 No due Certificate Manual 19 Issue of Balance Certificate Manual 20 Balance Enquiry 21 Signature Verification Manual 22 ECS Clearing 23 NEFT For NEFT transaction amounts lesser than or equal to Rs 10,000, the 3-tier charges shall be implemented Rs.2.50 minimum per transaction

CHARGES FOR COLLECTION OF DEPOSIT RECEIPT ON MATURITY(Table 10) Sl no Particulars Charges a. Charges leviable by the bank for collection of other Banks OCC charges. No charges in case the proceeds are credited to term deposit 1 Deposits/TDRs. with us. But, other bank commission, if any, to be collected. b. Charges leviable, on our Bank Deposits/TDRs received for 2 collection from other Banks. OCC charges plus postage.

Charges for safe custody of articles (Table 11) Sl no Particulars 1 Type 2 Small/Medium packet 3 Big packet 4 Bank s own deposit receipts Charges Period upto 15 days (Minimum) Rs.200/-(Minimum) Beyond 15 days Rs.200/-per month Rs.300/-per month

AMC and Other Depository Charges for Demat Accounts (Table - 12) Sl no Particulars Charges 1 AMC - Individual A/cs Rs. 200/- 2 AMC - Corporate A/cs Rs. 1000/- 3 Opening Actual stamp paper cost 4 Transaction (Debit) Rs. 25/- for every debit transaction 5 Transaction (Credit) 6 Demat Rs. 75/- as minimum up to 2 certificates and additional Rs. 10/- for every other certificate 7 Remat Rs. 100/- per request 8 Pledge Rs. 100/- per request

Sl no Cage Type Height Width Depth Area in (Sq cm) Yearly Rent on Lockers (Table 13) Rent Metro Urban Semi urban/rural Penalty * Security deposit Rent Penalty * Security deposit Rent Penalty * Security deposit (Rs) (Rs) (Rs) (Rs) (Rs) (Rs) (Rs) (Rs) (Rs) 1 alpha 12.5 17.5 49.2 218.75 1600 25 9800 1300 20 8900 900 15 7700 2 beta 15.9 21 49.2 333.9 2000 30 11000 1700 25 10100 1300 20 8900 3 gamma 12.5 35.2 49.2 440 2800 30 13400 2300 25 11900 1700 20 10100 4 delta 18.9 26.3 49.2 497.07 3200 30 14600 2600 25 12800 2000 20 11000 5 epsilon 32.1 21 49.2 674.1 4500 35 18500 3800 30 16400 2700 25 13100 6 zeta 15.9 42.4 49.2 674.16 4500 35 18500 3800 30 16400 2700 25 13100 7 eta 27.8 35.2 49.2 978.56 6000 35 23000 5000 30 20000 3500 25 15500 8 theta 18.9 53 49.2 1001.7 8000 40 29000 6000 35 23000 5000 30 20000 9 iota 32.1 42.4 49.2 1361.04 9000 40 32000 7000 35 26000 6000 30 23000 10 kappa 38.5 53 49.2 2040.5 9500 45 33500 8000 40 29000 6500 35 24500 11 lambda 40.5 53 49.2 2146.5 10000 45 35000 9000 40 32000 7000 35 26000 * Monthly. Penalty shall be collected on a monthly basis. ie if the rent is due for 6 months in metro for alpha, the charge shall be Rs.1600 + (25*6) = Rs. 1750/- Other Service Charges Particulars Service charges 12 For breaking open of lockers when key is lost by the hirer Actual Break Open Charge Incurred + Rs.250/- 13 For lockers operated more than 10 times in a month Rs.50/- for every additional operation beyond 10 times in a month. 14 One Time Registration Fee Rs. 250/-

Sl no Particulars 1 Charges for duplicate passbook 2 Charges for duplicate account copy 3 Charges for A/c closure before 6 months 4 Charges for A/c closure after 6 months 5 ECS Mandate Verification 6 Ledger folio Charges (Quarterly) 7 8 Balance Certificate 9 Interest Certificate 10 Photo Attestation 11 Any Attestation 12 Signature Verification 13 Stop payment charges 14 Issue of confidential report 15 Issuance of No dues certificate 16 Notice issued 17 Solvency Certificate Miscellaneous Charges (Table 14) Charges Rs.50/- per page (Rs.20/- for the last entry alone) Rs.50/- per page SB: Rs.75/- Others : Rs.150/- SB: Rs.25/- Others : Rs.50/- SB Rs. 20 per folio of 40 entries (4 free folios annually) CD Rs. 20 per folio of 40 entries (No Folios) (First original free) per application /letter per application/letter per cheque;batch of above 3, Rs.300/- Rs.1000/- per report Rs.50/- per notice + postage Upto Rs.0.25 lac - Above Rs.0.25 lac to Rs.1 lac - Rs.250/- Above Rs.1 lac to Rs.5 lacs - Rs.500/- Above Rs.5 lac to Rs.10 lacs - Rs.1000/- Above Rs.10 lacs - Rs.100 per lac and part thereof 18 Allowing operation in accounts through PA/mandate Holder-Registration/Modification SB: Others: Rs.250/- 19 Providing copies of old records > 1 year POSTAL AND TELEPHONE CHARGES 20 Postal charges 21 Telephone Charges-Local 22 Telephone Charges-STD per year (per record / sheet) Ordinary/Courier - Actuals with a minimum of Rs.10/- Registered post - Actuals with a minimum of Rs.25/- Rs.5/- Actuals with a minimum of Rs.25/-

Table 15:- Cash Handling Charges (CHC) applicable to Current Accounts (w.e.f 01-10-2017) and Savings Bank, Over Draft and Cash Credit accounts (w.e.f 01-12-2017) Accounts Revised FREE Cash Remittance limit per Month Charges for additional remittances All CD Accounts, including CD Smart accounts(other than those mentioned below) (a)rs.3.00 lakh per MONTH (b)15 times the AMB (Average Monthly Balance) Rs.175/- per lakh of previous month. Whichever is higher All CD Accounts, including CD Smart (by BANKS, NBFCs, NIDHI, Kuri Companies etc. where financial service is the line of activity. OD/CC Accounts Other than those of financial institutions 8 times of AMB(Average Monthly Balance) of previous month (a)rs.3.00 lakh per month (b) Amount equal to 25% of average monthly debit balance in the account during previous month with a cap of Rs.3.00 Crores Whichever is higher Rs.175/- per lakh Rs.80/- per lakh (Taxes as applicable) OD/CC Accounts of financial institutions Amount equal to 10% of average debit balance in the account during the previous month with a cap of Rs.3.00 Crores Rs.80/- per lakh (Taxes as applicable) SB Accounts maintained by Individuals and HUF. SB Accounts OTHER than Individuals and HUF (a) Rs.1.00 lakh per month (b)10 times of previous month AMB(Average Monthly Balance) ever is higher which (a) Rs.1.00 lac per month (b)20 times of the previous month AMB (Average Monthly Balance) Whichever is higher Beyond FREE limit, Rs.1.75 for every additional Rs.1000 of cash remittance + Taxes as applicable. If remittance to an account in a day exceeds 100 pieces of Small Denomination currency notes or coins (Rs.50/-, Rs.20/-, Rs.10/-, Rs.5/-, etc), additional charges at the rate of Rs.10/- per 100 small denomination notes will be collected irrespective of free limits available to the account.