ELLAQUAI DEHATI BANK

Head Office: Sir Syed Market Wazir Bagh Srinagar 190 008.

Circular Special Letter to all Branches

CSL NO. 07/2011 Date: 28.01.2011

Service / Processing Charges

We invite your attention towards Head Office Circular 47 of 2007 dated 24.08.2007 and CSL NO. 6/2009 Date: 14.02.2009 wherein detailed guidelines were issued to branches regarding Service / Processing Charges. In this context it has been decided to revise the Service/ Processing Charges on various services provided by the Bank. The details of the revised Service/ Processing Charges to be levied by the Bank are enclosed for meticulous compliance by the branches. No deviation in the instructions/changes is allowed. This will supersede all the guidelines issued by the Bank vide above referred Circular/CSL and will have effect from 1St of January 2011. Please ensure strict compliance of the revised guidelines and bring the contents of this Circular Special Letter to the notice of all staff members. Please acknowledge the receipt.
General Manager

P CHAIRMAN Enclosure: As above

ELLAQUAI DEHATI BANK Service Charges w.e.f. 1ST January 2011

Items Account Related Charges SAVINGS BANK ACCOUNT (a) Metro/Urban Average Quarterly Balance non1 maintenance charges (except for No Frill) Rs 50/= per qtr Semi-Urban (Min. Balance Rs.500/=) (b) Rural (Min. Balance Rs. 25/= per qtr. Rs.250/=) CURRENT ACCOUNT (Min. Balance Rs. 100 per qtr. - Urban/Semi Urban:Rs.1000 - Rural : Rs. 500 Rs 2.50 per cheque leaf and 25 leaves (plus cheques given along with welcome kit) free only in the first instance (Other than Multi city cheque Book) Charges

Cheques

(a) Issue of Cheque-bookSB/CA

(b) Multicity Cheques (With min. request for 10 folios) (c) Emergency Cheque request (a) Issue of Pass book

Rs. 3 per folio

Rs. 25 per set of 10 nonpersonalized cheques Free With latest balance Rs.100/(Rs.100/-per ledger folio (40 entries) for previous entries) additional Free With latest balance Rs.100/(Rs.100/-per ledger folio (40 entries) for previous entries) additional Rs.50/- per instrument up to 3 leaves Range of cheques- Rs.200/Nil Individual Rs 250; Companies Rs.1000

3 Passbook

(b) Duplicate pass book (a) Monthly

Statement of account

(b) Duplicate statement

5 Stop payment instructions 6 Balance enquiry 7 Account A/c closure upto 6 months closure (a/c

transfer not included)

A/c closure after 6 months but before 12 months

8 Inoperative account

Transfer of account (Savings Bank or Current Account) (a) Cheque returned charges- cheques drawn on us. (for insufficient funds only)

Individual Rs 150; Companies Rs.500 No service charge if stipulated minimum balance requirement is complied in the A/C. Otherwise charges applicable for non-maintenance of AQB. If the amount is less than the applicable charges then the account to be closed and advised to the customer. Rs. 100/- per occasion (inclusive of postal charges)

Collection & Remittance Charges For Cheques upto Rs. 1,00,000/-, Rs.100/ + out of pocket expenses if any

Cheque For Cheques above Rs. 1,00,000/-, Rs. 200/returned + out of pocket expenses if any 10 chargescheques (b) Cheque returned drawn on us. charges- cheques Rs.75/ + other bank charges if any drawn on us. (for technical reasons) Cheques deposited with us 11 returned unpaidLocal (a) Cheque returned charges- (for insufficient funds only) For Cheques upto Rs. 1,00,000/-, Rs.100/ + out of pocket expenses if any For Cheques above Rs. 1,00,000/-, Rs. 200/+ out of pocket expenses if any

Issue of demand 12 drafts / Banker's Cheque

(b) Cheque returned charges- (for Rs.75/ + other bank charges if any technical reasons) Upto Rs. Rs. 25/5,000/Above Rs. 5,000/Rs. 40/upto Rs. 10,000/(a) By transfer of funds from any other Above account at home 10,000/- Rs. 3 per Rs.1,000/- or part branch upto thereof (min Rs. 50) 1,00,000/Rs. 2.50 per Rs.1000/- or part Above Rs. thereof (min Rs. 300 max 1,00,000/Rs.12500) (b) By deposit of cash In addition to above charges, cash handling charges or Rs. 10 per draft whichever is higher

Revalidation/ cancellation & 13 issuance of duplicate DD / Banker's Rs 100/- per instrument Cheque

Upto Rs. 10,000 Rs. 50 per instrument Rs. 10,000 to Rs. Rs. 100 per instrument 1,00,000 Rs. 1,00,001 and Collection of Rs. 150 per instrument 14 above cheques 1. Above charges are all inclusive. (No courier charges, out of pocket expenses) 2. These charges are applicable only to transactions originated and payable within India. Up to Rs.5,000/Rs50/Above Rs 5,000/-and Rs75/Collection of Up to Rs10,000/15 bills Rs 6/-per thousand Min. Rs 100/- Max Above Rs.10,000/12,500/-+ out of Pocket expenses Interest @ 50 paise % + collection charges + out of pocket expenses. In case of cheques returned unpaid interest at 16% p.a. after adjusting the amount collected @ 50 paise %.

16DD Purchase Outstation cheque

17

Rs 5/- per entry.(For entries over 30 per 1/2 Charges for excess debit entries in year)(Other than SBI alternate channel SB transactions)

Standing (a) Setting up Instructions Standing Instructions Rs 50/(SI) (SI). (b) Processing of 18 SI(other than Bank Rs.25/- + remittance charges + postage. Transfers) (c) Failed SI 19Failed EMI charges 20 Issue of Deposit at Call Receipt (payable at branch of issue) Rs. 25/Rs. 25/Nil

Cash handling charges for CA/CC 21 deposit (Other than P segment Customer) 22Safe custody charges

Upto one bundle

Nil

More than one bundle (a) Scrips ( for each scrip)

Rs 100/- per bundle Max 10,000/-

Rs. 100/- per script Min. Rs. 200/- p.a. or part thereof.

(b) Sealed cover (for Rs. 200/- per cover p.a. or part thereof each cover) (c) Bank's own Nil

deposit receipt Rs.500/- one time charges plus, Envelope -Rs.100/- p.a. Package-Rs.500/- p.a. Large packet/Box-Rs 1000/-p.a. 23Safe deposit articles Subject to maximum total dimensions ( i.e.length+width+ height) should not exceed 100 c.m. if exceed 100 c.m. Rs 20 per c.m. (subject to availability of space available)

(a) Registration Rs. 500/Charges (one time) (b) Annual Rent New Size/ Type=Small Size Metro & Urban Centres: Rs.1000/A:125 x 175 x 492 Semi-urban & Rural: Rs.750/Size B:159 x 210 x 492 Medium Size:C:125X352X492 Metro & urban Centres: Rs.2500/Size:D:189X263X492 Semi-urban & Rural: Rs.1500/Size:E:159x423x492 Size H1:325X210X492 Large: Size:F:278X352X492 Metro & Urban Centres: Rs.3000/Size:G:189X529X492 Semi-urban & Rural: Rs.2500/Safe Deposit Size:H:325x423x492 Lockers 24 Extra large: (Annual Size L:404X529X492 Metro & Urban Centres: Rs.5000/charges) Size:L1:385X529X492 Semi-urban & Rural: Rs.4000/Note: In case of loss of key of the Lockers, a service charge of Rs. 500/- has to be recovered from hirer in addition to the actual expenditure incurred for breaking open the locker and changing the lock by manufacturers of lockers. 1st Qtr 2nd Qtr (c) Locker rent overdue charge 3rd Qtr 1 Year For more than 1 year 10% of annual rent 25% of annual rent 40% of annual rent 50% of annual rent locker to be broken

(d) Number of locker 12 visits per year free; thereafter Rs. 50/- per visits per year visit Miscellaneous Charges 25Balance certificate 26Interest certificate 27Signature verification Priority sector No dues 28 certificate Others 29Presentation of usance bills (a) Ordinary Postal 30 charges (b) Regd. / courier 31 Solvency certificate Non-commercial Commercial Rs. 100 per instance First Free Extra copy Rs.100/- per certificate Rs. 100 per instance No Charge Rs. 100 per instance Rs. 100 per instance Rs.15/Rs.35/Rs 300/Rs.250/- per lac Min. Rs.1000/- Max. Rs.15000/Rs.100/Rs.100/-per instance

32Photo attestation charges 33Record copy of the Cheque 34

Enquiries relating to old records Rs 100/- per item (more than 12 months old) ATM cards/PINs/Kits returned by 35 courier (returned due to wrong Rs.50/address) Allowing Operations through power 36 Rs. 500 per annum of attorney/mandate Payment of (a) Local Deposit 37 receipts to another bank (b) Outstation Charges as applicable to issue demand drafts / Banker's Cheque/ Inter Office Instruments Charges as applicable to remittances

Processing / Service charges on various Loan / Advance Schemes

(Enclosure to CSL 8/2011 dated 20.01.2011) S.No Advance / Deposit segment 01. Agriculture Loans Up to Rs.25000/Above Rs.25000/. 02. 01. Transport All segments 03. Micro Transport i) Three wheeler . ii) Three wheeler under tie up Second hand car (True value) P Segment loans i) Car loans . ii) Housing loans . iii) Others (Personal & Consumer loans) EDB Speed (car loan OD Scheme) EDB Two Wheeler Scheme Special computer / Scooty loan i) Students / working women ii) Public Mortgage loan i) Equitable Mortgage ii) Others Mortgage Loans Tractor / Education loan EBB Credit Card Service Charges

NIL 1% of loan subject to maximum of Rs.2500/1% of loan subject to maximum of Rs.5000/-

04. 05

1% of loan subject to maximum of Rs.1000/0.50% of loan subject to maximum of Rs.500/1% of loan or Rs.1000/whichever is less. 0.50% of loan or Rs.750/whichever is less. 0.50% of loan subject to maximum of Rs.2500/1% of loan subject to maximum of Rs.2500/0.50% on loan amount upfront . 1.20% of loan subject to Min Rs.250/- and Max.Rs.500/-

06. 07. 08.

NIL . 1% of loan amount. Rs.50/- per lac. Subject to maximum of Rs.10000/- plus service tax. Maximum Rs.11250/1% of loan subject to maximum of Rs.5000/NIL 1% of loan subject to maximum of

09.

10. 11.

(Including Renewals) 12. 13. SHGs, Farmers Club & JLGs All other schemes (SIB Segment)

Rs.2500/NIL 1% of loan subject to maximum of Rs.5000/-