SERVICE CHARGES AS PER RBI GUIDELINES

Savings Bank A/c - No frills A/c Minimum Balance Charges for non maintenance thereof Rs. 5.00 NIL

Saving Bank Accounts with Cheque facility Minimum Balance Non-Rural Rs. 1000.00 Rural Rs. 500.00

Charges for non maintenance thereof

SB A/C-Rs.200/- per quarter for Non-Rural branches SB A/C-Rs.100/- per quarter for Rural branches

Saving Bank Accounts without Cheque facility Minimum Balance Non-Rural Rs.500.00 Rural Rs.250.00

Charges for non maintenance thereof

SB A/C-Rs.300/- per quarter for Non-Rural branches SB A/C-Rs.150/- per quarter for Rural branches

Other savings bank account facilities Issue of Duplicate Statement Issue of cheque leaves Issue of duplicate pass book With latest balance Rs.100/(Additional Rs.100/- for every 40 entries or part thereof)

Rs.2.00 per cheque leaf and 20 leaves free in a year for Saving Bank A/c (Other than Multi city cheque Book) With latest balance Rs.100/- (Additional Rs.100/- for every 40 entries or part thereof)

Mode of calculation of minimum balance

Average of closing balances of all days during the quarter.

Remittance Facilities through own Bank DD- Issue Upto Rs.10000/Rs. 30/For > Rs.10000/- charges Rs.0.25 percent (i.e. per Rs.100/-) Minimum Rs. 50/- Max. Rs. 12500/- (cash handling charges Rs.10/-) No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per instrument (flat rate) No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per instrument (flat rate) No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per instrument (flat rate) Upto Rs.10000/Rs. 30/For > Rs.10000/- charges Rs.0.25 percent (i.e. per Rs.100/-) Minimum Rs. 50/- Max. Rs. 12500/- (cash handling charges Rs.10/-) No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per instrument (flat rate) No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per instrument (flat rate) No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per instrument (flat rate) Upto Rs.10000/Rs. 30/For > Rs.10000/- charges Rs.0.25 percent (i.e. per Rs.100/-) Max. Rs. 12500/(cash handling charges Rs.10/- + Rs.110/- per telegram for TT) Not applicable Not applicable

DD-Cancellation DD-Duplicate DD-Revalidation PO - Issue

PO-cancellation PO-Duplicate PO-Revalidation TT - Issue

TT - Cancellation TT-Duplicate

TT-Revalidation NEFT Charges- outward

Not applicable Up to Rs. 1 lac Above Rs. 1 lac NIL Up to Rs. 5 lac Above Rs. 5 lac NIL i) Up to Rs.10000/-ii) Over Rs.10000/Upto Rs.100000/: Rs.55/- per instrument : Rs.110/- per instrument : Rs. 28/- per transaction : Rs. 55/- per transaction : Rs. 6/- per transaction : Rs. 28/- per transaction

NEFT Charges- inward RTGS-Outward

RTGS-Inward Collection of Cheques

iii) Rs.100001/- & above : Rs. 165/- per instrument Remittance Facilities through other bank DD- Issue DD-Cancellation DD-Duplicate DD-Revalidation PO - Issue Not Applicable

Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable

PO-cancellation PO-Duplicate PO-Revalidation TT - Issue TT - Cancellation TT-Duplicate TT-Revalidation EFT Charges- inward EFT Charges- outward RTGS-Outward RTGS-Inward Collection of Cheques Foreign Exchange Transactions Remittance Outward Remittance Inward

Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable

Rs.1000/- (Swift Charges) Rs.150/- per remittance

TCs - Selling TCs - Encashing TCs Foreign Currency

0.5 % of Rupee value NIL NIL

Cheque Collection Local Outstation through own bank NIL (Through Clearing) i) Up to Rs.10000/-ii) Over Rs.10000/Upto Rs.100000/: Rs.50/- per instrument : Rs.100/- per instrument

iii) Rs.100001/- & above : Rs. 150/- per instrument Outstation through another bank i) Up to Rs.10000/-: Rs.50/- per instrument ii) Over Rs.10000/Upto Rs.100000/: Rs.100/- per instrument iii) Rs.100001/- & above : Rs. 150/- per instrument Rs.75/+other bank charges if any / Rs.250/- per PDC

Bouncing of cheques- Local/ Post Dated EMI Cheque Bouncing of cheques- outstationthrough own bank Bouncing of cheques- outstationthrough another bank

Rs.150/-+other bank charges if any

Rs.150/-+other bank charges if any

Retail Loan Loan Processing Charges Housing Loans 0.50% of the loan amount Housing Loan (NRI) 0.50 % of the loan amount Housing Loans (Gram / Sahyog Niwas) Nil Personal Loans:1.00 % (Saral Score 60 and above) of the loan amount 2.00 % (Saral Score between 60 and 50) Instant Cash (Xpress Credit) 0.55 % of the loan amount Loan against Mortg. Of Property 1.10 % of the loan amount Medi-Plus 1.10% of the loan amount Festival Loan 1.10 % of the loan amount SCOOM (Two Wheeler) 1.10 % of the loan amount Loan against RBI Relief Bonds 1.10 % of the loan amount Advances against Gold Ornaments 1.10 % of the loan amount Advances against DEMAT Units of 1.10 % of the loan amount SBI Mutual Fund. Auto Loan (Four wheelers) 0. 50 % of the loan amount Loan to Pensioners Nil Educational Loan Nil PLUS SCHEMES Same as normal rate. 2%Penalty on amount paid in excess of normal EMI dues will be levied: i) In respect of the pre-closure of Housing Loans/ Car Loans before expiry of half of the original tenure. ii) The loan is taken over by any other bank/ financial institution. iii) Partial pre-payment is being made in the first year. However no prepayment penalty should be levied if the loan account is foreclosed for availing a fresh house loan/ car loan from our Bank. Rs.100/- per certificate Prospective borrowers under Govt. sponsored scheme, self-help groups, Individuals coming under the direct-agriculture category will be exempt from payment of "No Dues" charges Non-commercial Commercial Rs. 300/Rs.250/-per lac or part thereof Min.Rs.1000/- & Max.Rs.15000/-

Pre-payment Charges

No-dues Certificate

Solvency Certificate

Charges for late payment of EMI Charges for changing from fixed to floating rates of interest Charges for changing from float to fixed

Penal rate @ 1% per month if EMI remains unpaid for 30 days after due date. 1% of out standing amount

NIL

Cards ATM CUM DEBIT CARDS Membership fee Annual Maintenance Fee NIL Domestic : Rs.50/- from the second year of issue International : Rs.100/- from the second year of issue NIL Not Applicable Not Applicable Rs 200/No Charges for State Bank Group ATMs Rs. 20/- maximum (Domestic) Rs. 150/- + Service tax (Inter national)

Renewal Charges Late Payment Charges Interest Charges Replacement charges Transaction Charge for Partner banks Transaction Charge for other banks

Credit Card Membership fee Annual Fee Renewal Charges Not Applicable Not Applicable Not Applicable

Late Payment Charges Interest Charges Replacement charges Cash withdrawal

Not Applicable Not Applicable Not Applicable Not Applicable

MISCELLANEOUS Balance enquiry Balance Certificate Interest Certificate NIL NIL First copy : Free Extra copy : Rs.50/-per certificate Individual account Non-Individuals Accounts Rs.150/Rs.500/-

Account closure before 12 months (This does not include transfer between branches) Use of Fax/Telephone/Modem Photo attestation Signature attestation Stop Payment Charges In-operative account

Actual Rs.100/Rs.100/Rs.50/- per instrument Rs.200/- for a range of cheques. Rs. 75/- per annum. If the balance amount is less than Rs.75/-, account is to be closed and advised accordingly to the customer. No service charge, if balance in in-operative account is equal to or more than the stipulated minimum balance.

NOTE : Individuals in Rural areas, Pensioners, and Senior Citizens, charges will be 50% in respect of the following services: a) Issue of duplicate passbook/ statement of account b) Issue of chequebook c) Noting of standing instructions d) Stop payment instructions e) Charges for non maintains of minimum balance

f) Issue of balance certificate g) Signature verification h) Account Keeping fee Minimum balance requirement will be reduced to 50%for these classes of customers. Further no charges will be levied on No-frill accounts, as part of our support to the National effort to improve financial inclusion.