SERVICE CHARGES AS PER RBI GUIDELINES Savings Ban A/c - No frills A/c Minimum Balance Rs. 5.

00 Charges for non maintenance thereof NIL Saving Ban Accounts with Cheque facility Minimum Balance Non-Rural Rural Rs. 500.00 Charges for non maintenance thereof l branches r quarter for Rural branches SB A/C-Rs.200/- per quarter for Non-Rura SB A/C-Rs.100/- pe

Saving Ban Accounts without Cheque facility Minimum Balance Non-Rural Rural Rs.250.00 Charges for non maintenance thereof l branches arter for Rural branches SB A/C-Rs.300/- per quarter for Non-Rura SB A/C-Rs.150/- per qu

Other savings ban account facilities Issue of Duplicate Statement With latest balance Rs.100/(Additional Rs .100/- for every 40 entries or part thereof) Issue of cheque leaves Rs.2.00 per cheque leaf and 20 leaves free in a year for Saving Ban A/c (Other than Multi city cheque Boo ) Issue of duplicate pass boo 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 Ban 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/-) DD-Cancellation No charges for DD having face value upto Rs. 500/-, Ther eafter, Rs. 100/- per instrument (flat rate) DD-Duplicate No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per instrument (flat rate) DD-Revalidation No charges for DD having face value upto Rs. 500/-, Ther eafter, Rs. 100/- per instrument (flat rate) PO - 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/-) PO-cancellation No charges for DD having face value upto Rs. 500/-, Ther eafter, Rs. 100/- per instrument (flat rate) PO-Duplicate No charges for DD having face value upto Rs. 500/-, Thereafter, Rs. 100/- per instrument (flat rate) PO-Revalidation No charges for DD having face value upto Rs. 500/-, Ther eafter, Rs. 100/- per instrument (flat rate)

Rs. 1000.00

Rs.500.00

TT - Issue

Upto Rs.10000/-

Rs. 30/For > Rs.10000/- charges Rs.0 (cash handling char

.25 percent (i.e. per Rs.100/-) Max. Rs. 12500/ges Rs.10/- + Rs.110/- per telegram for TT) TT - Cancellation Not applicable TT-Duplicate Not applicable TT-Revalidation Not applicable NEFT Charges- outward Up to Rs. 1 lac . 28/- per transaction NEFT Charges- inward NIL RTGS-Outward Up to Rs. 5 lac per transaction RTGS-Inward NIL Collection of Cheques ii) Over Rs.10000/Upto Rs.100000/-

Rs. 6/- per transaction : Rs

Above Rs. 1 lac :

Rs. 28/- per transaction : Rs. 55/per instrument

Above Rs. 5 lac i) Up to Rs.10000/-: Rs.55/-

Rs.110/- per instrument

iii) Rs.100001/- & above : Rs. 165/- per instrument Not Applicable Remittance Facilities through other ban DD- Issue Not Applicable DD-Cancellation Not Applicable DD-Duplicate Not Applicable DD-Revalidation Not Applicable PO - Issue Not Applicable PO-cancellation Not Applicable PO-Duplicate Not Applicable PO-Revalidation Not Applicable TT - Issue Not Applicable TT - Cancellation Not Applicable TT-Duplicate Not Applicable TT-Revalidation Not Applicable EFT Charges- inward Not Applicable EFT Charges- outward Not Applicable RTGS-Outward Not Applicable RTGS-Inward Not Applicable Collection of Cheques Not Applicable Foreign Exchange Transactions Remittance Outward Rs.1000/- (Swift Charges) Remittance Inward Rs.150/- per remittance TCs - Selling 0.5 % of Rupee value TCs - Encashing NIL TCs Foreign Currency NIL Cheque Collection Local NIL (Through Clearing) Outstation through own ban strument ii) Over Rs.10000/Upto Rs.100000/-

i) Up to Rs.10000/--

Rs.100/- per instrument

iii) Rs.100001/- & above : Rs. 150/- per instrument

: Rs.50/-

per in

Outstation through another ban 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 Bouncing of cheques- Local/ Post Dated EMI Cheque Rs.75/+other ban charge s if any / Rs.250/- per PDC Bouncing of cheques- outstation- through own ban Rs.150/-+other ban char ges if any Bouncing of cheques- outstation- through another ban Rs.150/-+other ban char ges if any Retail Loan Loan Processing Charges 0.50% of the loan amount Loan (NRI)

Housing Loans Housing 0.50 % of the loan amount Housing Loans (Gram / Sahyog Niwas) of the loan amount Nil Personal Loa

ns:1.00 % (Saral Score 60 and above)

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 Festival Loan 1.10 % of the loan amount SCOOM (Two Wheeler) unt Loan against RBI Relief Bonds 1.10 % of the loan amount Advances against Gold Orn aments 1.10 % of the loan amount Advances again st DEMAT Units of 1.10 % of the loan amount Auto Loan (Fo ur wheelers) Loan to Pensioners Nil PLUS SCHE MES Same as normal rate. Pre-payment Charges 2%Penalty on amount paid in excess of normal EMI dues wi ll be levied: i) In respect of the pre-closure of Housing Loans/ Car Loans before expiry of h alf of the original tenure. ii) The loan is ta en over by any other ban / financ ial institution. iii) Partial prepayment 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 Ban . No-dues Certificate Rs.100/- per certificate Prospective borrowers under Govt. sponsored scheme, self-help groups, Individual 0. 50 % of the loan amount Nil Educational Loan SBI Mutual Fund. 1.10 % of the loan amo 1.10 % of the loan amount Medi-Plus

s coming under the direct-agriculture category will be exempt from payment of "N o Dues" charges Solvency Certificate Non-commercial Rs. 300/Commercial Rs.250/-per lac or part thereof Min.Rs.1000/- & Max.Rs.15000/Charges for late payment of EMI Penal rate @ 1% per month if EMI remains unpaid for 30 days after due date. Charges for changing from fixed to floating rates of interest 1% of out standi ng amount Charges for changing from float to fixed rates of interest NIL

Cards ATM CUM DEBIT CARDS Membership fee NIL Annual Maintenance Fee Domestic International : Renewal Charges Late Payment Charges Interest Charges Replacement charges Transaction Charge for Transaction Charge for

: Rs.50/- from the second year of issue

Rs.100/- from the second year of issue NIL Not Applicable Not Applicable Rs 200/Partner ban s No Charges for State Ban Group ATMs other ban s Rs. 20/- maximum (Domestic)

Rs. 150/- + Service tax (Inter national) Credit Card Membership fee Not Applicable Annual Fee Not Applicable Renewal Charges Not Applicable Late Payment Charges Not Applicable Interest Charges Not Applicable Replacement charges Not Applicable Cash withdrawal Not Applicable MISCELLANEOUS Balance enquiry Balance Certificate Interest Certificate NIL NIL First copy : Free

Extra copy : Rs.50/-per certificate Account closure before 12 months (This does not include transfer between branches) Individual account Rs.150/Non-Individuals Accounts Rs.500/Use of Fax/Telephone/Modem Actual Photo attestation Rs.100/Signature attestation Rs.100/Stop Payment Charges Rs.50/- per instrument Rs.200/- for a range of cheques. In-operative account 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 t he 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 passboo / statement of account b) Issue of chequeboo 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.