Monthly average balance (MAB) requirement

Service Charges (applicable wef April 1 2018) 1 Minimum monthly verage balance requirement and monthly maintenance charges in SB accounts 1.1 Where debit card has been issued to an account holder Monthly average balance (MAB) requirement Maintenance charges per month UptoRs Rs 45 pm >Rs &uptors 2000 45 >Rs 2000 &uptors 3000 40 >Rs 3000 &uptors 4000 25 >Rs 4000 &uptors 5000 20 > Rs. 5000 No charge Debit card charges per quarter where average balance maintained is less than Rs 15000 Rs 30 per quarter 1.2 Where no debit card has been issued to an account holder Monthly minimum average balance Branch location requirement With cheque book Without cheque facility book facility Metro 3000 Urban 2500 750 Semi urban 2000 500 Rural 100 1.2.1 Maintenance charges per month in non- debit card accounts but with cheque book Monthly avg balance maintained Rural Semi Urban Urban Metro UptoRs 100 Rs 22 pm 22 22 22 >Rs 100 &uptors 250 22 22 22 22 >Rs 250 &uptors 500 17 17 17 17 >Rs 500 &uptors 750 17 17 17 17 >Rs 750 &uptors 17 17 17 17 >Rs 1 K &uptors 2K No charge 17 17 17 >Rs 2000 &uptors 2500 No charge No charge 17 17 >Rs 2500 &uptors 3000 No charge No charge No charge 17

1.2.2 Maintenance charges per month in non- debit card accounts without cheque book Monthly average balance maintained Rural Semi Urban Urban Metro 1 to Rs 100 Rs 22 pm 22 22 22 >Rs 100 & up to Rs 250 No charge 22 22 22 >Rs 250 &uptors 500 No charge 17 17 17 >Rs 500 &uptors 750 No charge No charge 17 17 >Rs 750 &uptors No charge No charge No charge 17 The month for reckoning is calendar month. There are exemptions from maintenance charge to the following categories of SB accounts Newly opened accounts for the respective quarter Accounts in newly opened branches of less than one year old Accounts in centres where we do not have ATM Staff accounts Student accounts Young India and Junior India accounts CUB Janatha savings accounts (No frills accounts) (now called basic savings account) NRI accounts 2 Minimum monthly average balance requirement and monthly maintenance charges in current accounts (other than classic plus current accounts) Monthly average balance maintained Charges pm Less than Rs 220.00 >Rs&upto 3000 210.00 >Rs3000 &uptors 5000 200.00 >Rs 5000&uptoRs 0 190.00 >Rs 0 & up to Rs 25000 180.00 >Rs 25000 & up to Rs 50000 170.00 3 Minimum monthly average balance requirement and monthly maintenance charges in classic plus current accounts Minimum average balance requirement in classic plus account is Rs 1 lac. If average balance falls short of Rs00, monthly charges will be levied at the higher of the amounts shown below or cash handling charges for the month Monthly average balance maintained charges per mth <Rs 25000 700.00 >Rs 25000&uptoRs 50000 650.00

Monthly average balance maintained charges per mth >Rs 50000&uptoRs 75000 600.00 >Rs 75000&uptoRs 1 lac 550.00 4 Cash transactions in current accounts (including overdraft facility against FDs and classic plus current accounts) Category Cash received in the account 1 Cash to quarterly average balance (QAB) upto12.5 in the previous calendar quarter 2 Cash to QAB exceeds 12.5 but is < 125 in the previous calendar quarter 3 Cash to QAB exceeds 125 in the previous calendar quarter Charges No charge Charges at Rs. 1.50 per Rs. Charges at Rs 3.50 per Rs. In classic plus accounts cash handling charges will be recovered upfront as for normal current accounts. The charges are exclusive of applicable GST except for small denomination handling charges where it is inclusive of GST. To encourage Bulk Note Acceptor (BNA) use, above charges will be given 20% discount 5 Cash transactions in CCOD accounts (excluding overdraft facility against FDs and classic plus current accounts) S No CC OD limit (Last quarter avg balance) Free cash limit per month Charges above the free limit 1 UptoRs 1 lac Rs 2 lacs Rs 2.50 per Rs 2 Above Rs 1 lac and uptors Rs 5 lacs per month Rs 2.50 per Rs 3 lacs 3 Above Rs 3 lacs and uptors Rs 10 lacs per month Rs 2.50 per Rs 5 lac 4 Above Rs 5 lac to Rs 1 cr Rs 15 lacs per month Rs 2.50 per Rs 5 Above Rs 1 cr Rs 50 lac per month Rs 2.50 per Rs 6 Cash transactions in savings accounts Where cash remitted in a month exceeds Rs 1 lac in an account, charges at Rs 1.25 per Rs will be collected for such excess amount. 7 Cash handling charges for small denomination notes and coins In case of small denomination notes, additional amount of Rs 50 per bundle will be recovered for notes in the denomination of Rs 50 and less, where such bundles are more than one. Part of a bundle will be treated as one for charging purpose. This also applies to all types of accounts i.e SB, CA and CCOD accounts Where coins are tendered in bulk, charges will be recovered at Rs 5 per Rs 100 in SB, CA and CC OD accounts if more than Rs 100 is tendered on any working day in an account.

8 Cash handling charges- late receipts Additional 25% charge to what is applicable will be levied if cash is remitted after 3.30 pm. The cut off time of 3.30 pm will be suitably modified in respect of branches which open before 10 am or later than 10 am. It will be suitably displayed in respective branches. 9 Soiled note receipts For exchange of soiled/ imperfect notes up to 20 pieces and value up to Rs 5000 in a calendar month, there will be no charge. Otherwise charges will be recovered at higher of the following More than 20 pieces will invite Rs 5 per piece on the entire tender. If value-wise it exceeds Rs 5000, Rs 6 per Rs will be recovered on the entire tender Higher of the above will be collected. 10 Locker rent Locker rent is based on location of a branch where locker facility is availed. Branches are categorised into the following five categories metro 1 metro 2 urban semi urban and rural Category Rent per annum in Rs Large/ Medium Small Extra large Metro 1 5200 3300 1750 Metro 2 4700 2800 1500 Urban 4200 2300 1200 Semi urban 3200 2300 1200 Rural 3200 2300 1200 From new locker hirers locker rent will be recovered upto March end. Subsequently, locker hirers need to pay the annual rent within 3 months after the beginning of the financial year (i.e before June end). In case of delay there will be late payment penalty at 10% per quarter (or part thereof). For example rent remitted in November will attract 2 quarter penalty of 20%. 11 Cheque book issue charges 11a Savings Bank account Newly opened account One cheque book (20 leaves) free if opened with an amount above QAB requirement Senior Citizen account One cheque book (20 leaves) free per year Additional cheque book Rs 3 per leaf where QAB <Rs 0 One cheque book per financial year is free if QAB for the previous quarter at the time of issue is between Rs 0 and Rs 50000. Charges at Rs 3

Exemptions Courier charges recovery per cheque leaf are applicable from the second cheque book in a year. Cheque book free if QAB for the previous quarter at the time of issue > Rs 50000 Staff accounts No frills accounts NRI accounts Rs 35 as courier charges from all where cheque book issue charges are levied. 11b 11c Current accounts General category (other than classic plus) Rs 5 per leaf where QAB < Rs 00 No cheque book charges where QAB > Rs 00 Classic plus- current account No cheque book charges where QAB > Rs 00, and where it falls below Rs 1 lac they will be treated like normal current account holders. Courier charges: Rs 35 to all CC OD customers Cheque book issue Rs 5 per leaf Courier charges Rs 35 12 Transaction charges While there will be no transaction charges in SB accounts and Classic Plus accounts, the same in CA and CCOD account is given below. QAB range Free transactions (per quarter) Current account Less than Rs 5000 30 Rs 5000 to 25000 45 Rs 25000 to 00 75 Rs 1 lac to Rs 10 lac 150 >Rs 10 lac All CCOD accounts 25 The transaction charge above the free limit will be at Rs 11 per transaction.the charges will be recovered at quarterly interval. While counting the number of transactions, we will exclude transactions done through alternate channels like ATM transactions, on-line transactions, and system generated transactions like interest application. 13 Cheque return charges 13a Outward clearing For s < Rs 10 lakh For s = or > Rs 10 lakh Rs 200 per Rs 300 per

13b Inward clearing For s < Rs 10 lakh For s = or > Rs 10 lakh Rs 250 per Rs 350 per This is applicable to all accounts including classic plus. 14 NEFT/ RTGS/ IMPS transactions NEFT/ RTGS/ IMPS transactions will be charged as under. RTGS transactions after 3.30 pm will be charged additional Rs 5 per transaction. NEFT NEFT RTGS RTGS IMPS Thro Online branch line Thro On- On-line branch Upto Rs. 0 2.00 2.50 2.00 Above Rs. 1 to Rs.1 lakh 4.00 5.00 4.00 Above Rs.1 lakh & upto Rs 5 lakh (2 lakh in case of IMPS) 12.00 15.00 12.00 Above Rs. 2 lakh & upto Rs 5 lakh 15.00 25.00 Above Rs. 5 lakh 25.00 40.00 30.00 50.00 15 Non home branch cash transactions in CA and CCOD accounts Non-home branch cash transactions will be charged at Rs 10 per transaction. This will be recovered at monthly interval and it is over and above other charges if any applicable to that transaction. This transaction fee is applicable to CA and CCOD accounts only. 16 Other services S No Item Charges 1 2 SB/CA closure (after 14 days from date of opening) Charges for ATM transactions in other bank ATMs Rs.300 if closed within the first 12 months and Rs.150thereafter for individuals, and Rs.600 for business entities (including proprietary concerns) if closed within the first 12 months and Rs.300 thereafter. Transfer of account from one branch to another is not treated as account closure. Financial or non-financial transactions by SB account holders from other bank ATMs will be free upto 5 transactions per month.thereafter the charges will be Rs.20 per transaction. This is applicable to all other than Staff accounts NRE accounts SB accounts where previous calendar quarter QAB > Rs 50000

S No Item Charges Enquiries regarding 3 old transactions (> 6 mths old) Free 4 SI for transfer within Bank SI for transfer outside the bank Free Free 5 Balance certificate Rs 25 6 ATM cards/ Debit cards (first/ renewal/ replacement) For card replacement at customer request, Rs 250 per card.first time issue and bank induced replacements like on validity period expiry will be issued free. 7 Balance enquiry Free 8 Stop payment of a Rs 100 for all. 50% concession for senior cheque citizens and individuals in rural branches 9 Signature verification Rs 100 for all. 50% concession for senior citizens and individuals in rural branches 10 Foreign DD For DDs in foreign currency, the exchange is as for Rupee DDs apart from collecting foreign bank transaction charge for debit in the bank s nostro account. Schedule of exchange rate for DDs in Rupees is given below. 11 Issue of pass book or statement 12 Duplicate FDR 13 Sms charges 14 Payment by ECS Free Free after taking necessary indemnity at customer s cost SB accounts In accounts with QAB <Rs 5000 (where card has been issued) at Rs 10 per quarter Current accounts In accounts with QAB <Rs 0 at Rs 20 per quarter Rs 50 for all. 50% concession for senior citizens and individuals in rural branches 17 Remittance facilities (including through other banks) (Rupee or in foreigncurrency) No DD/PO charges for staff 50% reduction on card rate will be allowed for senior citizens maintaining account with us and senior citizen s name is the first holder in joint accounts. A Account holders Charges for all if DD/PO is issued by debit to purchaser's account i DD issue Up to Rs.500.00 Rs. 50.00 Rs.500.00 to.00 Rs. 50.00 Rs..00 to 5000.00 Rs. 50.00 Rs.5000.00 to 0.00 Rs. 50.00 Rs.0.00 to 1.00lakhs Rs 3 per Rs MinRs 100

A Account holders Charges for all if DD/PO is issued by debit to purchaser's account Rs.1.00 Lakh to 10.00 Lakhs Rs 3 per Rs Rs.10.00 Lakhs and above Rs 3 per Rs Ii DD cancellation Rs. 50.00 Iii DD revalidation Rs. 50.00 iv DD-duplicate issue Rs 100 for DDs uptors 5000 & Rs 250/ thereafter v Banker s cheque Issue Up to Rs.500.00 Rs. 50.00 Rs.500.00 to.00 Rs. 50.00 Rs..00 to 5000.00 Rs. 50.00 Rs.5000.00 to 0.00 Rs. 50.00 Rs.0.00 to 1.00lakhs Rs 3 per Rs MinRs 100 Rs.1.00 Lakh to 10.00 Lakhs Rs 2 per Rs Rs.10.00 lakhs and above Rs 2 per Rs vi Pay Order cancellation Rs. 50.00 vii Pay Order revalidation Rs. 50.00 viii Pay Order duplicate Issuance Rs 100 for POs uptors 5000 & Rs 250/ thereafter B i Non account holders DD Issue Up to Rs.500.00 Rs. 50.00 Rs.500.00 to.00 Rs. 50.00 Rs..00 to 5000.00 Rs. 50.00 Rs.5000.00 to 0.00 Rs. 50.00 Rs.0.00 to 1.00lakhs Rs 4 per Rs Minimum Rs 100 Rs.1.00 Lakh to 10.00 Lakhs Rs 4 per Rs Rs.10.00 Lakhs and above Rs 4 per Rs Ii DD cancellation Rs. 50.00 Iii DD revalidation Rs. 50.00 iv DD-duplicate issue Rs 100 for DDs uptors 5000 & Rs 250/ thereafter v Banker s cheque issue Upto Rs.500.00 Rs. 50.00 Rs.500.00 to.00 Rs. 50.00 Rs..00 to 5000.00 Rs. 50.00 Rs.5000.00 to 0.00 Rs. 50.00 Rs.0.00 to 1.00lakhs Rs 4 per Rs Min Rs 100 Rs.1.00 Lakh to 10.00 Lakhs Rs 2 per Rs Rs.10.00 lakhs and above Rs 2 per Rs vi Pay Order cancellation Rs. 50.00 vii Pay Order revalidation Rs. 50.00

viii Pay Order duplicate Issuance Rs 100 for POs uptors 5000 & Rs 250 thereafter C Where DD/PO is taken by remitting cash Additional charges of Re1 per Rs will be levied as cash handling charges from all for DD/BCwhere the amount of DD/BC exceeds Rs 5000 18 Collection of cheques and bills SB account holders general category Senior citizens & individuals in rural areas Service charges for other customers like CA, CCOD i ii iii Collection of Outstation cheques Upto& incl. Rs.5000/- Above Rs.5000 &upto& incl. Rs.0 Above Rs.0 and upto& incl. 100,000 Above Rs.100,000 &uptors 2 lacs Above Rs.2 lacs&uptors 5 lacs Above Rs.5 lacs Rs 25 per Rs 50 per Rs 100 per Rs 150 per Rs 250 per Rs 300 per Rs 25 per Rs 25 per Rs 50 per Rs 75 per Rs 125 per Rs 150 per Rs 50 per Rs 100 per Rs 150 per Rs 150 per Rs 250 per Rs 300 per Collection of bills UPTO Rs. Rs.42/- Rs.25/- Rs.42/- Rs. to Rs.5000 Rs.52/- Rs.35/- Rs.52/- Rs.5000 to Rs.0 Rs.62/- Rs.50/- Rs.62/- Rs.0 to Rs.1.00 lac Rs.1.00 lac to Rs 10 lacs Rs 10 lacs and above Rs.7/- per Rs.6/- per Rs.6/- per Rs.5/- per Rs Rs.5/- per Rs Rs.5/- per Rs Cheque collection under speed clearing Upto& including Rs.100,000 NIL NIL Rs 100 Above Rs 00 Rs 150 NIL NIL Rs.7/- per Rs.6/- per Rs.6/- per Courier charges of Rs 35 will be recovered in addition to the above

19 Account opened under financial Inclusion No frills accounts Collection of cheques/bills/drafts Local Outstaion Issuing of cheque books upto one book For every additional cheque book Commission for demand drafts /Banker s cheque No charges No charges No charges Rs.10 per book 10 paise per Rs.100 (subject to a minimum of Rs.5 per ) 20 Processing and inspection charges Fund based Processing charges (other than scheme loans) For advances uptors. 25,000/- (for priority sector and micro & small enterprise advances) For priority sector advances above Rs. 25,000/- and upto 2.00 lakhs (other than micro & small enterprises advances) For priority sector advances above Rs. 2.00 lakh and uptors. 5.00 lakh (other than micro & small enterprises advances) For micro & small enterprises advances uptors. 5.00 lakh For agricultural advances uptors. 2.00 lakh. For agricultural advances above Rs. 2.00 lakh and uptors. 5.00 lakh For non-priority advances uptors. 5.00 lakh For all jewel loans (other than agri) (processing, appraising and documentation) NIL Rs 275 Rs 1200 NIL NIL 0.10%% pa with minimum of Rs 300 0.30% pa with a minimum of Rs700 0.50% For all jewel loans (agri) (appraising ) 0.25% For all advances above Rs. 5.00 lakh (both priority & non-priority) (other than scheme loans) Nature of facility Processing Charge For working capital limits (both new and renewal) 0.75% p.a. Minimum Rs 5500 For loans (short term, medium term and long term loans) 1.10 % Minimum Rs 8000 Term loan review charges: (for all loans over Rs. 10 lakh with sanctioned maturity period > 24 months) Scheme loans CUB Consumer, Easy Ride, YohaVahana, Dharani CUB SwayamGraha CUB - Easy business 0.10% pa Minimum Rs 2500 Processing Charge 1.25% Minimum Rs700 1.00% Minimum Rs 700 0.75% Minimum Rs 8500

Fund based CUB - Dharani Special CUB- VidhyaVani (for studies in India) CUB- VidhyaVani (for studies abroad) 1.25% Minimum Rs 2000 NIL 0.25% Minimum Rs3000 Non fund based For BG / LCs limit (inland) partly secured / Unsecured (new or renewal) For BG / LCs limit (inland) fully secured by deposits with CUB (new or renewal) Processing charges 0.25% Minimum Rs 1250 0.10% Minimum Rs 600 50% of loan processing charges will be recovered upfront at the time of conveying sanction to a borrower, subject to a maximum of Rs 2 lacs. The advance amount recovered will be adjusted against full amount at the time of availing the newly sanctioned limit Unit inspection charges (other than stock audit fees) Per annum in Rs Limit Below Rs. 2.00 lacs NIL Limit above Rs. 2.00 lacs&uptors. 10.00 lacs 2250 Limit above Rs. 10.00 lacs and uptors. 50.00 lacs 3250 Limit above Rs. 50 lacs&uptors. 5 crores 8000 Limit above Rs. 5 crores 17500 Stock audit fees Actual Recovery at half year ends on proportionate basis 21 Commitment charges for non utilisation of sanctioned limit S No Facility Utilisation level Charges Below 25% 1% pa 1 Between 26% to CCOD facility with limit > 50% 0.75%pa Rs 10 lakh Between 51% to 75% 0.50% pa Above 75% No charges This will be charged on the unutilized part. New loans sanctioned (not enhancement or renewal) in a quarter of a financial year will be exempt from this charge for that financial quarter. Term Loans and OD limits against FDs and staff loans will be exempt. The fees will be levied at quarterly interval on proportionate basis based on utilization in that quarter. 22 Pre-closure of loan facility (for loans other than priority sector loans and housing loans) It will be charged at 2% of the pre-closure amount in case of term loan and 2% of the limit in case of CCOD facility. It will not apply to loans against FDs and gold loans not falling under priority sector.

23 Processing fee- advances In respect of new credit facility, 50% processing fee will be recovered before sanction letter is issued and the balance at the time of availing the facility. This 50% amount is nonrefundable even if the facility is not availed later. 24 Charges for non-compliance with regulatory requirements and other similar requirements The Bank is taking lot of efforts in ensuring compliance with regulatory and similar other requirements. Some customers show little importance to such requirements and the Bank s follow up efforts take unnecessary time and effort. To bring some sort of discipline, and also to part recover expenditure in follow up, charges will be recovered as indicated below. This is apart from other punitive efforts the Bank and/or regulator may prescribe. S No Item Remark 1 Non submission of bill of entry in time As per RBI requirement, importers are required to submit bill of entry within 6 months from the date of remittance. Where there is delay the Bank will levy 1% per annum as non- compliance fee after the period of 6 months. The recovery will be at 1/12% per month and will be recovered from the 7 th month till compliance. Part of a month will be treated as one month for levying charges 2 Late payment of locker rent 10% incremental rent for each quarter of default after giving a grace period of 3 months from the date the rent falls due. 3 Non submission of stock statement and financials As given in the terms of sanction to individual borrower 25 Overdue interest in loan accounts (CCOD and other loans) Penal interest will be collected at 2% over applicable rate for the overdue period on the entire outstanding. 26 Periodicity of recovery of service charges S No Item Periodicity 1 Maintenance charges The charges will be applied at end of every for SB/CA month. 2 Cash handling As and when the transaction takes place charges 3 Cheque book issue As and when issued 4 Transaction charges Quarterly (for each calendar quarter) 5 Locker rent In April for the year beginning April 6 ATM transaction At the time of rendering service when the charges transaction in a month exceeds free limit 7 Others At the time of rendering the service 50% (non-refundable) of processing 8 Processing charges charges will be recovered at the time of issue of sanction letter and the balance when a loan is disbursed 27 The revision is applicable from April 1 2018. The charges are exclusive of GST. Applicable GST will be collected separately as per the rates in force.