Service Charges (applicable wef April ) 1 Minimum monthlyaverage balance requirement and monthly maintenance charges in SB accounts

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1 Service Charges (applicable wef April ) 1 Minimum monthlyaverage balance requirement and monthly maintenance charges in SB accounts 1.1 Where a debit card has been issued (other than CUB-card) to an account holder Monthly average balance maintained Maintenance charges per month Up to Rs Rs 40 pm >Rs & up to Rs >Rs 2000 & up to Rs >Rs 3000 & up to Rs >Rs 4000 & up to Rs >Rs 5000 No charge Visa card charges per quarter where average balance maintained is less Rs 25 per quarter than Rs 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 Semi urban Rural Maintenance charges per month to an account where no debit card has been issued but with cheque book Monthly average balance maintained Rural Semi Urban Urban Metro Up to Rs 100 Rs 20 pm >Rs 100 & up to Rs >Rs 250 & up to Rs >Rs 500 & up to Rs >Rs 750 & up to Rs >Rs & up to Rs 2000 No charge >Rs 2000 & up to Rs 2500 No charge No charge >Rs 2500 & up to Rs 3000 No charge No charge No charge Maintenance charges per month to an account where no debit card has been issued and without cheque book Monthly average balance maintained Rural Semi Urban Urban Metro 1 to Rs 100 Rs 20 pm

2 Monthly average balance maintained Rural Semi Urban Urban Metro >Rs 100 & up to Rs 250 No charge >Rs 250 & up to Rs 500 No charge >Rs 500 & up to Rs 750 No charge No charge >Rs 750 & up to Rs No charge No charge No charge 15 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 Salary accounts Student accounts Young India and Junior India accounts CUB Janatha savings accounts (No frills accounts) (now called basic savings account) Accounts with CUB card holders 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 Per month Less than Rs >Rs & up to >Rs3000 & up to Rs >Rs5000 & up to Rs >Rs 0 & up to Rs >Rs & up to Rs > Rs No charge 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 month <Rs >Rs & up to Rs >Rs & up to Rs >Rs &up to Rs 1 lac

3 4 Cash transactions in current accounts (including 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 No charge Charges Charges at Re 1 per Rs. In case of small denomination notes, additional amount of Rs 40 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. Charges at Rs 3 per Rs. In classic plus accounts cash handling charges will be recovered upfront as for normal current accounts. The charges are exclusive of applicable Service Tax except for small denomination handling charges where it is inclusive of Service Tax. 5 Cash transactions in CCOD accounts (excluding overdraft facility against FDs) S Free cash limit per Charges above the CC OD limit No month free limit 1 Up to Rs 1 lac Rs 2 lacs Rs 2.50 per Rs 2 Above Rs 1 lac and up to Rs Rs 5 lacs per month Rs 2 per Rs 3 lacs 3 Above Rs 3 lacs and up to Rs 10 lacs per month Rs 2 per Rs Rs 5 lac 4 Above Rs 5 lac to Rs 1 cr Rs 15 lacs per month Rs 2 per Rs 5 Above Rs 1 cr Rs 50 lac per month Rs 2 per Rs 6 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 Metro Urban

4 Category Rent per annum in Rs Large/ Medium Small Extra large Semi urban Rural 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%. 7 Cheque book issue charges 7a Savings Bank account Newly opened account One cheque book (20 leaves) free if opened with an amount above QAB requirement Additional cheque book Rs 3 per leaf where QAB < Rs Cheque book free if QAB for the previous quarter at the time of issue > Rs Exemptions Staff accounts No frills accounts NRI accounts Courier charges recovery Rs 35 as courier charges from all other than the exempted categories and where previous quarter QAB > Rs b 7c Current accounts General category (other than classic plus) Rs 4 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 4 per leaf Courier charges Rs 35 8 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 Rs 5000 to Rs to 00 75

5 QAB range Free transactions (per quarter) 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 7 per transaction. The charges will be recovered at quarterly interval. 9 Other services S No Item Charges 1 SB/CA closure Rs 275 if closed within the first 12 months and Rs 125 thereafter for individuals, and Rs 500 for business entities (including proprietary concerns) if closed within the first 12 months and Rs 250 thereafter. Transfer of account from one branch to another is not treated as account closure Charges for ATM transactions in other bank ATMs Cheque return charges Enquiries regarding old transactions (> 6 mths old) SI for transfer within Bank SI for transfer outside the bank No charges will be levied in case of closure of Current account / Savings bank accounts within 14 days of making first payment into the account. Financial or non-financial transactions by SB account holders from other bank ATMs will be free upto 5 transactions per month in places other than the 6 metros where it is 3 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 Inward clearing including ECS returns Rs 125 per cheque/ ECS return Outward clearing Rs 125 per cheque This is applicable to all including classic plus accounts. Rs 100 per item Free 6 Balance certificate Rs 25 7 ATM cards/ visa cards (first/ renewal/ replacement) Rs 100 as setting up charge and Rs 10 for each transaction thereafter 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. 8 Balance enquiry Free 9 Stop payment of a Rs 100 for all. 50% concession for senior

6 S No Item Charges cheque citizens and individuals in rural branches 10 Signature verification Rs 100 for all. 50% concession for senior citizens and individuals in rural branches 11 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. 12 Payment by ECS Rs 50 for all (No change). 50% concession for senior citizens and individuals in rural branches 13 RTGS/NEFT Inward RTGS/NEFT- Free Outward RTGS/NEFT through alternate channels- Free Where the same is handled at branches, charges are RTGS Rs.2.00 lacs to Rs.5.00 lacs - Rs.25 per transaction Above Rs.5.00 lac Rs.50 per transaction NEFT Upto Rs.1.00 lac Rs.5 per transaction Above Rs.1.00 lac to Rs.2.00 lacs Rs.15 per transaction Above Rs.2 lacs Rs.25per transaction 14 Issue of pass book or statement Free 15 Duplicate FDR Free after taking necessary indemnity at customer s cost 16 SMS charges SB accounts In accounts with QAB <Rs 5000 (where debit card has been issued) at Rs 15 per quarter Current accounts In accounts with QAB <Rs 0 at Rs 30 per quarter 10 Remittance facilities (including through other banks) (Rupee or in foreign currency) 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 i Account holders Charges for all if DD/PO is issued by debit to purchaser's account DD issue Up to Rs Rs Rs to.00 Rs Rs..00 to Rs Rs to 0.00 Rs Rs.0.00 to 1.00lakhs Rs 3 per Rs MinRs 100 Rs.1.00 Lakh to Lakhs Rs 3 per Rs

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

8 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 Collection of cheques and bills ii iii i SB account holders general category Collection of Outstation cheques Upto & incl. Rs.5000/- Rs 25 per Above Rs.5000 & upto & incl. Rs 50 per Rs.0 Above Rs.0 and upto & Rs 100 per incl. 100,000 Above Rs.100,000 & upto Rs 2 Rs 150 per lacs Above Rs.2 lacs & upto Rs 5 Rs 250 per lacs Above Rs.5 lacs Rs 300 per Senior citizens & individuals in rural areas Rs 25 per Rs 25 per Rs 50 per Rs 75 per Rs 125 per Rs 150 per Service charges for other customers like CA, CCOD 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 12 Account opened under financial Inclusion No frills accounts Collection of cheques/bills/drafts Local Outstaion Issuing of cheque books upto one book (20 leaves) For every additional cheque book No charges No charges No charges Rs.10 per book (20 leaves)

9 Collection of cheques/bills/drafts Commission for demand drafts /Banker s cheque 10 paise per Rs.100 (subject to a minimum of Rs.5 per ) 13 Processing and inspection charges Fund based Processing charges (other than scheme loans) For advances upto Rs. 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 lakh and uptors lakh (other than micro & small enterprises advances) For micro & small enterprises advances upto Rs lakh For agricultural advances upto Rs lakh. For agricultural advances above Rs lakh and uptors lakh For non-priority advances upto Rs 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 % pa with a minimum of Rs % For all jewel loans (agri) (appraising ) 0.25% For all advances above Rs 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 CUB - Dharani Special CUB- VidhyaVani (for studies in India) CUB- VidhyaVani (for studies abroad) 0.10% pa Minimum Rs 2500 Processing Charge 1.25% Minimum Rs % Minimum Rs % Minimum Rs % Minimum Rs 1750 NIL 0.25% Minimum Rs 2750 Non fund based Processing charges

10 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 % Minimum Rs 600 Unit inspection charges (other than stock audit fees) Per annum in Rs NIL Limit Below Rs lacs Limit above Rs lacs & upto Rs lacs 2250 Limit above Rs lacs and upto Rs lacs 3250 Limit above Rs. 50 lacs & upto Rs. 5 crores 8000 Limit above Rs. 5 crores Stock audit fees Recovery at half year ends on proportionate basis 14 Commitment charges for non utilisation of sanctioned limit Actual S No Facility Utilisation level Charges 1 CCOD facility Less than 50% on average outstanding basis 2 CCOD facility Less than 75% and more than 50% on average outstanding basis This will not apply to facility against FDs and staff loans. 0.30% per annum of unutilised amount 0.15% per annum of unutilised amount 15 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. 16 Periodicity of recovery of service charges S No Item Periodicity 1 Maintenance charges Monthly at the beginning of the following for SB/CA calendar 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 8 Processing charges As and when a loan is sanctioned and disbursed 17 The revision is applicable from April The charges are exclusive of service tax. Applicable service tax will be collected separately as per the rates in force.