Annexure II. A. Rate of Interest on Advances for Agricultural purposes: Existing (w.e.f )

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1 Annexure II A. Rate of Interest on Advances for Agricultural purposes: Sl. No. Size of the Limit / Loan Agricultural Jewel Loans: 01 Upto & inclusive of Rs lakhs 02 Over Rs lakhs and upto Rs lakhs 03 Over Rs lakhs and upto Rs lakhs 04 Over Rs lakhs (w.e.f ) Base Rate Revised - % p.a w.e.f BR (10.75) BR (10.50) Other Agri. Credits : (inclusive of KCC) 05. Upto & inclusive of Rs lakhs BR (10.75) BR (10.50) 06. Over Rs lakhs but Upto & BR plus 0.75 (11.50) BR plus 0.75 (11.25) Inclusive of Rs.3.00 lakhs 07 Over Rs.3.00 lakhs but Upto Rs.5.00 lakhs BR plus 2.25 (13.00) BR plus 2.25 (12.75) 08 Over Rs.5.00 lakhs BR plus 3.25 (14.00) BR plus 3.25 (13.75) 09 Advances to farmers against agricultural commodities / warehouse receipts / cold storage bonds a) upto Rs.5.00 lakhs b) Over Rs.5.00 lakhs upto Rs lakhs c) Above Rs lakhs BR plus 0.75 (11.50) BR plus 1.50 (12.25) BR plus 4.75 (15.50) BR plus 0.75 (11.25) BR plus 1.50 (12.00) BR plus 4.75 (15.25) 10 Advances to Self Help Groups (SHGs) BR plus 1.00 (11.75) BR plus 1.00 (11.50) 11 Advances under Swarojkar Credit Cards (SCC) a) Upto Rs b) Above Rs BR (10.75) BR plus 5.25 (16.00) BR (10.50) BR plus 5.25 (15.75) 12 Advances under General credit Card (GCC) Upto Rs. 25,000/- only BR plus 5.25 (16.00) BR plus 5.25 (15.75)

2 B. Rate on of Interest Non-agri & Other Commercial Advances Sl. No Size of the Limit Jewel Loans: (Non-Agri) 01 Jewel Loan (upto & inclusive of Rs.50,000/- for Non - Agri purpose / Personal consumption purposes 02 All Other Jewel Loan (Over Rs. 50,000 - for Non - Agril purpose / personal consumption purposes) Base Rate Revised - % p.a. (13.75) Jewel Loans (Non Agri) (Special Category SME, Debt Swapping, Housing & Education to be included in priority sector) 3 Upto & inclusive of Rs.50,000 BR plus 2.50 (13.25) BR plus 2.50 (13.00) 4 Above Rs. 50,000 and upto Rs lakh BR plus 3.50 (14.25) BR plus 3.50 (14.00) 5 Over Rs lakh BR plus 3.75 BR plus 3.75 (14.25) Other Credits : (all categories of business credits) 06. Upto & Inclusive of Rs lakhs (For business purpose) BR plus 6.00 (16.75) BR plus 6.00 PLR PLR 07. Over Rs lakhs** 08 Lending for Commercial Real Estate and Capital Market Exposure 09 Housing loans (Above Rs lakhs) Upto 5 years BR plus 8.00 (18.75) BR plus 0.50 (11.25) BR plus 8.00 BR plus 0.50 (11.00) 1.50 (18.00) (18.25) 3.00 (13.25) Over 5 yrs to 10 Yrs BR plus 0.75 (11.50) BR plus 0.75 (11.25) 2.50 (14.00) 2.50 (13.75) Above 10 yrs and upto 15 yrs BR plus 1.50 (12.25) BR plus 1.50 (12.00) (14.25) Loans above 15 years 10. Loans for purchase of Consumer Durables, two/four wheelers and other consumer loans, personal loans (irrespective of the quantum of Advance i.e., those which are not coming under banks own loan schemes) BR plus 2.50 (13.25) BR plus 2.50 (13.00) (17.25) 11 Advances against third party Deposits (other than agriculture credits) 12 TOD in current account BR plus 8.00 (18.75) BR plus (17.25) 2.00 (18.25) 13 For S.T increase in OD/CC limits 2% over & 2% over & 2% over & 2% over & above the above the above the above the applicable rate applicable rate applicable rate applicable rate ** The rate of interest subjected to risk score - based on the risk rating made for the borrowers who are enjoying credit facilities of Rs lakh and above.

3 C. Rate of Interest for Advances under Special Loan Schemes of CUB: Name of the Scheme Base Rate BPLR Revised - % p.a. Revised - % p.a. CUB Consumer Loan BR plus 5.50 BR plus 5.50 (16.00) (16.00) CUB Easy Ride CUB Yoga Vahana CUB Sulabh BR plus 5.75 BR plus (16.00) CUB Sona (overdraft) BR plus 3.75 BR plus 3.75 (including scheme to pawn brokers) CUB Bazaar BR plus 8.00 (18.75) (14.25) BR plus (14.25) 2.25 (18.75) 2.25 (14.00) 2.25 CUB Dharani (Special) Above Rs. 50,000 & Upto Rs lakh CUB Easy Business (ROI may vary within the ceiling of PLR depending upon the credit rating) BR plus 5.25 (16.00) BR plus 5.25 (15.75) 0.75 (15.75) 0.75 (15.50) CUB Dharani a) Upto & inclusive of Rs lakhs BR plus 4.25 (15.00) b) Over Rs lakhs BR plus 5.75 BR plus 4.25 BR plus (16.00) CUB Swayam Griha Scheme Upto Rs. 25 lakhs Upto 5 years Over 5 yrs to 10 Yrs Above 10 yrs and upto 15 yrs Loans above 15 years BR (10.75) BR plus 0.50 (11.25) BR plus 1.00 (11.75) BR plus 2.00 (12.75) BR (10.50) BR plus 0.50 (11.00) BR plus 1.00 (11.50) BR plus (10.75) 5.25 (11.25) 3.75 (12.75) (10.50) 5.25 (11.00) CUB Vidhyavani (Meritorius) => Upto Rs.4.00 lakhs For Boys 1.50 (15.00) 1.50 For Girls => Above Rs.4.00 lakhs For Boys For Girls BR plus 3.50 (14.25) BR plus 5.00 (15.75) BR plus 4.50 (15.25) BR plus 3.50 (14.00) BR plus 5.00 (15.50) BR plus 4.50 (15.00) (15.75) 1.25 (15.25) 2.00 (14.25) 0.75 (15.50) 1.25 (15.00)

4 Name of the Scheme Base Rate BPLR Revised - % p.a. Revised - % p.a. CUB Vidhyavani (Management) => Upto Rs.4.00 lakhs For Boys BR plus 4.50 (15.25) BR plus 4.50 (15.00) For Girls => Above Rs.4.00 lakhs For Boys For Girls BR plus 5.50 BR plus 5.00 (15.75) BR plus 5.50 (16.00) BR plus 5.00 (15.50) Name of the Scheme Base Rate BPLR Revised - % p.a. Revised - % p.a. Special Loan Scheme to RTOs. *** For advances Secured by new vehicles alone (without any collateral) For advances Secured by new vehicles & any other collateral (value of BR plus 2.50 (13.25) BR plus 2.00 (12.75) collateral Min 50%) *** for advances secured by Second Hand Vehicles a) upto & inclusive of Rs lakh BR plus 5.75 b) above Rs lakh BR plus 7.25 (18.00) For Tie-up arrangement for Tractors, Dairy projects, Palm oil, Casuarina, etc BR plus 2.50 (13.00) BR plus 2.00 BR plus 5.75 BR plus 7.25 As per individual tie-up schemes in force 3.50 (13.00) (12.75) 4.00 (12.25) (16.00) As per individual tie-up schemes in force D. Rate of Interest on Collateral free loans for Micro and Small Enterprises under CGFT scheme (for Collateral Free Loans) Nature of advance Base Rate Revised (% p.a) (% p.a.) w.e.f Upto and inclusive of Rs lakhs Above Rs lakhs and upto Rs. 20 lakhs Above Rs lakhs and upto Rs. 50 lakhs Above Rs lakhs and upto Rs. 100 lakhs Base Rate plus 2 (12.75) Base Rate plus 2 (13.75) BR plus 3 E. Rate of Interest on Micro Enterprises upto Rs lakh [which are not covered under CGFT scheme and where we have collateral] Nature of advance Base Rate (% p.a) Revised (% p.a.) w.e.f For Micro manufacturing & Micro services not covered under CGFT scheme [For loans upto Rs lakh only] BR plus 3.25 (14.00) BR plus 3.25 (13.75) PMMY Shishu BR plus 1.50 (12.00) PMMY Kishore BR plus 1.75 (12.25) PMMY - Tarun BR plus 2.00

5 Annexure III Interest rates on Rupee Export credit (Base Rate (BR) 10.50%) (w.e.f ) Categories of Export Credit A. Pre-shipment credit a) upto 270 days b) Against incentives receivable from Govt. Covered by ECGC Guarantee upto 90 days B. Post-shipment credit a) On demand bills for transit period as specified by FEDAI 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 ii) upto 365 days for exporters under the Gold Card Scheme c) Against incentives receivable from Government covered by BR plus 2.00 ECGC guarantee upto 90 days d) Against un drawn balance upto 90 days BR plus 2.00 E. Against retention money (for supplies portion only) payable BR plus 2.00 within one year from date of shipment - upto 90 days F. Export credit not otherwise specified (ECNOS) i) For overdue bills upto 180 days ii) For all others (The above rates are ceiling rates and banks are free to charge any rate below this ceiling rates. Hence, branches are advised to charge interest as per the rate stipulated in the sanction letter of C.O.)

6 Annexure IV Loans and Advances against Non-Resident Deposits Nature Deposits NRE Deposits of Quantum Upto 75% Upto 90% FCNR (B) Deposits For Depositors plus 2% plus 2.50% for Loans p.a For Third parties At commercial rates (i.e.,) as applicable to the quantum of advance and purpose / activity for Overdrafts p.a For Depositors plus 2.50% plus 3.00 % For Third parties At commercial rates (i.e.,) as applicable to the quantum of advance and purpose / activity a) In Indian Rupees Upto 75% BR plus 3% p.a (13.50%) Upto 90% (only with the approval of Chairman / MD / ED / GM) BR plus 4% p.a (14.50%) At commercial rates (i.e.,) as applicable to the quantum of advance and purpose / activity BR plus 3.50% p.a (14.00%) BR plus 4.50% p.a (15.00%) At commercial rates (i.e.,) as applicable to the quantum of advance and purpose / activity b) In Foreign Currency Upto 75% Upto 90% plus 2.00% p.a plus 2.50% p.a NOT APPLICABLE NOT APPLICABLE NRO Deposits Upto 80% only Rate of Interest as applicable to Domestic Deposits

7 ANNEX "OUR BANK'S BENCH MARK PRIME LENDING RATE IS % p.a." "Maximum Spread over PLR is 3.00 % p.a." "Our Bank s maximum lending rate is %" p.a The above rates are subject to revision by the Bank from time to time

8 Interest Rate contracted during the quarter ( to ) Minimum Rate - % Average Rate - % Maximum Rate - % Annual Percentage Rate Minimum Rate (for personal loans) Processing Charges - % 1.10 Other applicable charges - % 0.50 Annual Percentage Rate (APR) 16.35

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