SERVICE CHARGES AND INTEREST RATES AT A GLANCE RBI FORMAT 1. DEPOSIT ACCOUNTS

SERVICE CHARGES AND INTEREST RATES AT A GLANCE RBI FORMAT 1. DEPOSIT ACCOUNTS NATURE RATE OF INTEREST MINIMUM BALANCE Normal Sr. Citizen Rural Semi urban Urban ACCOUNT 1 Savings Bank A/cs A.Domestic a. With Cheque book 4.00% facility b. Without Cheque book 4.00% facility c. No frills accounts 4.00% B. Non Resident a. NRO 4.00% b. NRE 4.00% 4.00% 4.00% 4.00% 4.00% 4.00% Rs.500/- Rs.500/- Rs.500/- Rs.100/- Rs.100/- Rs.100/- Rs.50/- Rs.50/- Rs.100/-

I. The interest rates on Domestic Rupee Term Deposits. 21.10.201 are given below:- i. For deposits less than Rs.1 Crore (No Change) Domestic Rupee Term Deposits *Minimum DepositRs.1 Lac Maturity (% ) For deposits less than Rs.1 Cr Existing. 04.09.1 Rate. Maturity 21.10.1 (No Change) 07 days to 14 days * 4.00 4.00 15 days to 0 days 4.50 4.50 1 days to 45 days 6.50 6.50 46 days to 90 days 6.75 6.75 91 days to 179 days 7.00 7.00 180 days to 269 days 8.00 8.00 270 days to 64 days 8.00 8.00 1 Year to less than 2 Years 9.00 9.00 2 Years to less than Years 9.00 9.00 Years to less than 5 years 9.00 9.00 5 years to less than 8 years 9.00 9.00 8 years and above up to 10 Years 8.75 8.75 ii. For deposits of Rs.1 Cr & above but less than Rs.10 Cr() iii. For deposits of Rs.10 Cr&above but less than Rs. 100 Cr () iv. For deposits of Rs. 100 Cr & above () v. Domestic Rupee Term Deposits (% ) For deposits of Rs.1 Cr For deposits of Rs.10 Cr & & above but less than above but less than Rs. 100 Rs.10 Cr Cr Existing. 04.09.1 Ratew.e. f. 21.10.1 Existing. 04.09.1 Rate. 21.10.1 For deposits of Rs.100 Cr & above Existing. 04.09.1 Rate. 21.10.1 07 days to 14 days 4.25 4.25 4.50 4.50 4.50 4.50 15 days to 0 days 4.75 4.75 5.00 5.00 5.00 5.00 1 days to 45 days 6.50 6.50 6.50 6.50 6.50 6.50 46 days to 90 days 6.75 6.75 6.75 6.75 6.75 6.75 91 days to 179 days 7.50 7.50 7.50 7.50 7.50 7.50 180 days to 269 days 8.00 8.00 8.25 8.25 8.25 8.25 270 days to less than 1 year 8.25 8.25 8.25 8.25 8.25 8.25 1 Year 9.25 9.00 9.25 9.00 9.25 9.00 Above 1 Year to less than 2 8.50 8.50 8.50 8.50 8.50 8.50 Years 2 Years to less than Years 8.25 8.25 8.25 8.25 8.25 8.25 Years to less than 5 years 7.25 7.25 7.25 7.25 7.25 7.25 5 years to less than 8 years 7.00 7.00 7.00 7.00 7.00 7.00 8 years and above up to 10 Years 7.00 7.00 7.00 7.00 7.00 7.00

II. Interest rates on NRE Term Deposit Accounts. 21.10.201. (PERCENTAGE PER ANNUM) Period Amount less than Rs.1 Cr Rs.1Cr & above but less than Rs.10 Cr Rs.10 Cr and above but less than Rs.100 Cr Rs.100 Cr and above Existing Existing Existing 01.04.1 04.09.1 21.10.1 04.09.1 21.10.1 04.09.1 21.10.1 1 Year 9.00 9.25 9.00 9.25 9.00 9.25 9.00 Above 1Yr<2Yrs 9.00 8.50 8.50 8.50 8.50 8.50 8.50 2Yrs < Yrs 9.00 8.25 8.25 8.25 8.25 8.25 8.25 Yrs < 5 Yrs 9.00 8.50 8.50 8.50 8.50 8.50 8.50 5Yrs < 7Yrs 9.00 8.50 8.50 8.50 8.50 8.50 8.50 Note: Branches should note to take permission from Treasury Branch for accepting deposits of more than Rs.100 crore in any bucket. 2. As per extant Reserve Bank of India guidelines the interest rates on FCNR (B), RFC Deposits have been revised. 01.11.201 based on the LIBOR / SWAP rates, prevailing on the last working day of October, 201 (as advised by FEDAI): I. A. Rate of Interest on FCNR (B) Term Deposits :-.01.11.201. MATURITY USD GBP EURO JPY CAN$ AUS$ A 1 YR TO < 2 YRS 2.60 2.87 2.49 2.9.45 4.62 B 2 YRS TO < YRS 2.44 2.79 2.51 2.24.9 4.87 C YRS TO < 4 YRS 4.70 5.04 4.66 4.25 5.61 7.17 D 4 YRS TO < 5 YRS 5.06 5.4 4.87 4.0 5.85 7.48 E 5 YRS (Max.) 5.44 5.60 5.09 4.5 6.07 7.71 Note: (1) The rates are applicable to fresh and renewed deposits from the respective effective date. (2) The rates of interest are subject to change at any time as per RBI/ Bank s policy.

RETAIL LOANS INTEREST RATES W.E.F. 01.09.201 (All loans at floating ROI, at monthly rests except otherwise mentioned) 1. Housing Loan Up to Rs.0 lacs Floating Category RATE OF INTEREST > Rs.0 lacs below Rs.75 lacs >Rs.75 lacs Up to 5 years 10.25 10.5 10.50 More than 5 yrs. and up to 10 yrs. More than 10 yrs&upto 15 years 10.25 10.5 10.50 10.25 10.5 10.50 Above 15 years 10.25 10.5 10.50 Fixed Rate of Interest Not Offered PROCESSING CHARGES For Individuals For all loans amounts:- 0.25 % of loan amount Min. Rs. 1,000/- Max. Rs. 20,000/- (All rates incl. ST.) For Partnership firms and Corporates: Processing charges to be double that of applicable to individuals. For Rural areas:- Processing charges 75% of that applicable to individuals in respect of loan availed by borrowers from rural branches. 2. Star Personal Loan Scheme One time 2.00% of loan amount I. Fully Secured 14.25 Min. Rs.1,000/- II. Clean/Unsecured 15.25 Max. Rs.10,000/- III. Financing secured under tie up 14.25 arrangements IV. For Senior Citizen aged 60 years & above for Loans Upto Rs.50,000/- 1.25 Senior Citizen (60 years & above) No Processing Charges Int.concession to women beneficiary in respect of (i) & (ii) above 0.50%. Star Pensioner Loan Scheme Pensioners: i. Fully Secured 14.00 One time 2.00% of loan amount ii. Clean/Unsecured 14.50 Min. Rs. 500/- Max.Rs.2,000/- iii. For Senior Citizen aged 60 years & 1.25 No Processing Charges for senior above for Loans Up to Rs.50,000/- citizens (60 years & above) RATE OF INTEREST 4. Vehicle Loan Repayment PROCESSING CHARGES b a For New vehicles (Four Wheelers) For Old vehicles (Four Wheelers) Upto 7 years (Irrespective of Tenure) Maximum Repayment period years C Two Wheelers Maximum repayment period 5 years 10.70% 11.50% 14.25% Loans up to Rs. 25,000/- One time Rs. 1000/- Loans > Rs. 25000 up to Rs. 25 lacs One time 1 % of loan amount Min. Rs. 2000/- Max.Rs.10,000/- Loans > Rs. 25 lacs One time Rs. 15,000/- In case of Partnership firms and Corporate borrowers, processing charges will be double that applicable to individuals. No processing charges for Senior Citizen, Retired Employees of the Bank and Pensioners drawing Pension from the Bank. For Rural areas: Processing charges will be 75% of that applicable to individual borrowers provided loan is availed by borrowers from rural areas/ from rural branches.

5. i. Education Loans:- up to Rs.7.50 lacs 1.25% Above Rs.7.50 lacs 12.75% Concessions: a. for Girl Students: 0.50 % for loans up to Rs. 50,000/- and 1.00 % for loans above Rs. 50,000/- b. All students pursuing professional courses ( Like Engineering /Medical /Management etc.) are eligible for 0.50 % interest concession but maximum concession under (a) & (b) is 1 % ii.star Vidya Loan: For studies in India Max. Rs. 20.00 lacs 10.75 % NIL 0.50 % interest concession for Girl students subject to base Rate iii. Star loan for 1.25 % NIL Vocational Studies for Girl Students: 0.50 % for loans up to Rs. 50,000/- and 1.00 % for loans above Rs. 50,000/- 6. Star Loan against Property A. Individuals: Salaried/ Self Employed/Professional Loan Up to Rs. 50 lacs No processing charges. However, if there is change of institution either in domestic studies or in foreign studies due to any reason, a processing fee of Rs.250/- (Domestic studies) & Rs.500/- (Studies Abroad) is leviable. In respect of loans for foreign study, letter of sanction may be issued for obtaining VISA, upon recovery of processing charges of Rs.1,000/-. However, this can be refunded if the actual loan is availed. One time charges for any Deviations from the Scheme norms including approval of courses outside scheme Up to Rs.4.00 lacs Rs. 500/- Over Rs.4.00 lacs up to Rs.7.50 lacs Rs.1,500/- Over Rs.7.50 lacs up to Rs.20.00 lacs Rs.,000/- 11.75 One time @1 % of loan amount Min Rs. 5,000/- Max Rs. 50,000/- B. Others- Traders & Businessmen 1.Loan up to Rs 100 lacs 11.75 One time @1 % of loan amount Min Rs. 5,000/- Max Rs. 50,000/- 2. Overdraft up to Rs. 200 lacs Monthly Reducible 11.75 a) 0.50 % of sanctioned Limit Min Rs.5, 000/- and Max Rs. 0,000/- for 1 st year at the time of original sanction. b) 0.25 % of the Reviewed limit min Rs. 2,500/- and Max Rs. 15000/- for subsequent years. Non Reducible limit 12.25 0.50 % of the sanctioned /Reviewed limit min Rs. 5,000/- and max. Rs. 0,000/- on annual basis For Rural areas: Processing charges will be 75% of those normal applicable charges in respect of loans availed by borrowers from rural areas from rural branches. 6. Access to own credit report charges per report max. Rs.50/-

1. FEE BASED SERVICE CHARGES. 01.10.2012 a. LOCKERS :- Type of Locker REVISED SERVICE CHARGES RENTALS OF SAFE DEPOSIT VAULT LOCKERS FOR PUBLIC Metropolitan Centre Urban Centre Semi-Urban & Rural Concession for 1 year Advance Payment (Amt. in Rs.) (Amt. in Rs.) (Amt. in Rs.) Concession for 1 year Advance Payment (Amt. in Rs.) Centres (Amt. in Rs.) Concession for 1 year Advance Payment (Amt. in Rs.) A 1000 20 800 20 700 20 B 1200 20 1000 20 850 20 C 1500 20 1200 20 1050 20 D 150 20 1100 20 950 20 E 1800 20 1450 20 1250 20 F 2800 20 2250 20 1950 20 G 000 20 2400 20 2100 20 H 500 0 2800 0 2450 20 H1 1800 20 1450 20 1250 20 L 5000 60 4150 0 500 0 L1 4500 0 600 0 150 0

b. CREDIT CARDS:- Membership Fee *and entrance fee * Chart Card Type Entrance fee Annual Membership fee* Princi Add-on pal India Card@ Credit Nil NIL NIL Taj Premium Card Credit Nil 800 400 BOI Navy Silver Credit Nil 50 175 BOI Navy Gold Credit Nil NIL NIL Gold (Visa) Credit Nil 600 50 Gold International (Visa) Credit Nil 1500 800 * Service tax extra Description of Charges * Finance charges / Interest ( Purchase/Cash) Finance Charges if overdue Cash Advances at our Branches Cash advanced at our ATMs Cash advance at other Bank ATM s in India Balance enquiry at Overseas ATM Cash advance at Overseas ATM s Merchant transactions at Overseas Late payment charges (per month) Over the Credit Limit usage Charge Cheque Return Charges Petrol Transaction Charges Railway Ticket Purchase or Cancellation Fee Reissue of Lost, Stolen or Damaged Card Amount 1.70% per month (APR 22.45% on daily balances) 2.5% per month (APR 0% on daily balances) 2.5% on advance amount (subject to a minimum of Rs 50) for each transaction. Interest on dues/overdue as described above 2% (minimum Rs. 50) for each transaction. Interest on dues/overdue as described above 2.5% (Minimum Rs. 75) for each transaction. Interest on dues/overdue as described above Rs.25/- 2.5% (minimum Rs. 125) for each transaction + 2% currency conversion charges. Interest on dues/overdue as described above 2% currency conversion charges in addition to interest charges if any. Rs. 100/= in addition to finance charges for minimum payment due > Rs. 1000 Rs. 10/= for each transaction Rs. 100/= per instrument 2.5%of transaction amount (Min Rs.10/) or Actual charges claimed by the acquirer bank Actual charges claimed by Railways / acquirer bank Rs100 for customers and Rs.50 for staff in respect of India card Rs.200 for public and Rs.100 for staff in respect of Visa Gold International card and Visa Gold card All other cards replacement fees is Rs.200 PIN replacement charges Copy of charge slip Duplicate copies of bills Hot Listing charges Service Tax Rs. 50/=per occasion Rs. 100/= or actual charges whichever higher Rs. 50/= per quarter NIL As applicable on all fees, interest and other charges

c. DEBIT CARDS:- The annual maintenance charges for debit card holders w.e f 1.4.2010 is as given below: ATM cum Debit card charges Charges for 1 st year of usage FREE Charges for usage for subsequent year(s) and will be charged annually from the date of issue of card. Branches in Metro & Urban areas Rs 100/- Branches in Rural and semi Urban Rs 50/- Staff and Ex Staff NIL/- Savings Bank Account holder maintaining Rs 10000/- quarterly average NIL/- balance in Rural and Semi Urban Saving Bank Account holder maintaining Rs 25000/- quarterly average NIL/- balance in Urban and Metro areas Senior Citizens and Pensioners NIL/- THE REVISED CHARGES PAYABLE BY CUSTOMERS (FOR USING OTHER BANK S NETWORK) UNDER THE VARIOUS NETWORKS W.E.F 1.7.2011 ARE AS FOLLOWS: NETWORK CASH WITHDRAWAL REVISED BALANCE INQUIRY BANCS RS. 20/- Rs.10/- STATE BANK OF INDIA RS. 20/- Rs.10/- NATIONAL FINANCIAL SWITCH * RS. 20/- Rs.10/- VISA-NATIONAL RS. 20/- Rs.10/- VISA-INTERNATIONAL RS. 125/- Rs.15/- MasterCard-National Rs. 20/- Rs.10/- MasterCard-International Rs. 125/- Rs. 25/-

d. DD/TT/MT : w. e. f. 05.08.201 :- Issue of Demand Drafts Issue of DD against Cash Revalidation/Cancellation of Drafts Issuance of Duplicate Demand Draft UPTO Rs.10000/- Non-Individuals : Rs.50/- Individuals (Non-Rural) : Rs.40/- Individuals (Rural) : Rs.0/- ABOVE Rs.10000/- UPTO Rs.50000/- Non-Individuals : Rs.200/- Individuals (Non-Rural) : Rs.175/- Individuals (Rural) : Rs.150/- ABOVE Rs.50000/- UPTO Rs.1 LAC Rs.4.00 per Rs.1000/- Min.Rs.225/- ABOVE Rs.1 LAC Rs..50 per Rs.1000/- Min.Rs.400/- Max.Rs.0000/- NOTE - FOR STUDENTS : Issue of DDs upto Rs.1000/- : FREE UPTO Rs.10000/- Non-Individuals : Rs.75/- Individuals (Non-Rural) : Rs.60/- Individuals (Rural) : Rs.45/- ABOVE Rs.10000/- UPTO Rs.50000/- Non-Individuals : Rs.00/- Individuals (Non-Rural) : Rs.265/- Individuals (Rural) : Rs.225/- NOTE - FOR STUDENTS : Issue of DDs upto Rs.1000/- : FREE Upto Rs.100/- : Rs.20/- Rs.100/- to Rs.500/- : Rs.40/- Above Rs.500/- : Rs.100/- Rs.100/- e. Outstation Cheque Collection A. Service (Processing) Charges for Local Clearing (by Clearing Houses from Member Banks) Existing (Rs.) (Rs.) Presenting Drawee Bank Presenting Bank Drawee Bank Bank Clearing at MICR- 1.00 1.00 1.00 1.50 CPCs Cheque Truncation 0.50 0.50 0.50 1.00 B. Service Charges outstation cheque collection Collection of Cheques a.rs.500/- to Rs.5000/- : Rs.25/- per instr. b.above Rs.5000/- &upto & incl.rs.10000/- : Rs.50/- per instr. c.above Rs.10000/- & upto & incldg. Rs.1 Lac : Rs.100/- per instr. d.above Rs.1 Lac : Rs.150/- per instr. (REVISED W.E.F. 17.06.2011) Note : The above changes will be ALL inclusive. No additional charges such as courier charges, out of pocket expenses, etc.(other than service tax) shall be levied from the customers. Note : For collection between our bank and other banks, the commission will be shared on 50:50 basis, i.e., each branch will charge 50% of the stipulated commission / service charges at its end. Note : For Diamond Plus Current Account Customers, 50% Concession on Charges

C. Collection charges under Speed Clearing (Charges applicable to speed clearing cheques deposited by customers of the branch for clearing and presented by the branches in their outward clearing as stipulated by RBI (speed clearing as introduced by RBI) EXISTING REVISED Non-Individuals Individuals Value Service Charges for all customers Non- Rural Rural Upto Rs.1 Lac Same Same Upto and including Rs. NIL Rs.NIL Above Rs.1 Lac Rs.150/- per instrument Rs.1 Lac Same Same Above Rs.1 Lac Rs.100/- per Instr. D. Cheque Return Charges :. 05/08/201 Cheques Return Charges Cheques drawn on us Cheques/ Bills deposited returned unpaid Local Cheques : Upto Rs.10000/- : Rs.25/- per instrument Rs.10000/- to Rs.1 Lac : Rs.100/- per instrument Rs.1,00,001/- & above : Rs.150/- per instrument Local & Outstation: Upto Rs.10000/- : Rs.25/- per instrument Rs.10000/- to Rs.1 Lac : Rs.100/- per instrument Rs.1,00,001/- & above : Rs.150/- per instrument E. Cheque Book Issue : Issue of MICR Cheque SB Rs./- per cheque leaf and 50 leaves free in a year Issue of MICR Cheque CD/CC/OD Rs./- per cheque leaf; F. No Due Certificate : NIL NOTE :- 1. Concessions/ facilities offered under various deposit schemes to continue until further notice, also concessions available for Staff and Ex-staff will continue. 2. Authority to offer concession in service charges to be exercised as per Branch Circular No. 98/26 of 21.05.2004 and 98/119 dtd.15.09.2004. Cash Deposit at other CBS branches will attract the same charges as given under Cash Handling Charges 4. New locker rentals would be applicable from the date of renewal. If the locker rent falls in arrears and is paid after the implementation of revised rates, the new/ revised rates will be applicable. 5. If any bills are sent by our upcountry branches for collection, charges to be shared by the branches in the ratio of 50:50. Postage will be actual. 6. Please refer to Br.cir.no.101/218 dtd.29.0.2008 SB Inoperative accounts. 7. Minimum Balance charges --- Item no.48 - At present minimum balance charges are applied monthly. If the customer is unable to maintain the prescribed minimum balance for two months, the caution notice Should be issued and account should be closed after lapse of notice period.

f. RTGS / NEFT / ECS :- Sl Item No 52 REMITTANCES RTGS - OUTWARD Below Rs.2 Lacs Rs.2 Lacs to Rs.5 Lacs Above Rs.5 Lacs RTGS -INWARD Existing & Proposed - Fixed By RBI NA Rs.25/-+applicable time varying tariff subject to a maximum of Rs.0/- Rs.50/-+applicable time varying tariff subject to a maximum of Rs.55/- (refer Cir.Ltr.no.2011-12/110 dtd.05.10.2011) NIL NEFT Upto Rs.1 Lac Above Rs.1 Lac to Rs.2 Lac Above Rs. 2 Lacs INWARD - NIL- (as per Circular Letter No.2012-1/75 dtd.02/07/2012) Rs.15/- Plus Service Tax per transaction Rs.25/- Plus Service Tax per transaction NIL ECS INWARD : NIL FOR ALL CENTRES Non-individuals : Credit Clearing (per entry/item) NCC Clearing House : No Charge Destination Bank : No Charge Sponsor Bank : Rs.5.50 (Min. Rs.2500/-) Debit Clearing (per entry/item) NCC Clearing House : No Charge Destination Bank : No Charge Sponsor Bank : Rs.4.00 (Min. Rs.2500/-) ECS Returned NIL No charge No Charge Rs.5.50 (Min. Rs.2500/-) No Charge No Charge Rs.4.00 (Min. Rs.2500/-) Rs.100/- per instrument