Branch Name Dhankawadi

Branch Id 1168

Address Ground Floor and Basement,

Dhankawade Patil House,
Survey No. 20/2,
Pune Satara Road,
Pune  411043
Maharashtra
India

Contact Nos. Tel: 020 - 24377951/ 52

Fax: 020 - 24377950

Toll Free Numbers : 1-800-233-5577 or 1-800-209-5577 or 1-800-103-5577

Email ibrm@axisbank.com

Timings 9.30 a.m. to 3.30 p.m. (Monday to Friday)

9.30 a.m. to 1.30 p.m. (Saturday)

Weekly Off: Sunday

Lockers No

ABOUT AXIS BANK

Axis Bank was the first of the new private banks to have begun operations in 1994, after the Government of
India allowed new private banks to be established. The Bank was promoted jointly by the Administrator of
the specified undertaking of the Unit Trust of India (UTI - I), Life Insurance Corporation of India (LIC) and
General Insurance Corporation of India (GIC) and other four PSU insurance companies, i.e. National
Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and
United India Insurance Company Ltd.

The Bank today is capitalized to the extent of Rs. 408.84 crores with the public holding (other than
promoters and GDRs) at 53.81%.

The Bank's Registered Office is at Ahmedabad and its Central Office is located at Mumbai. The Bank has a
very wide network of more than 1095 branches (including 57 Service Branches/CPCs as on 30th September
2010). The Bank has a network of over 4846 ATMs (as on 30th September 2010) providing 24 hrs a day
banking convenience to its customers. This is one of the largest ATM networks in the country.

The Bank has strengths in both retail and corporate banking and is committed to adopting the best industry
practices internationally in order to achieve excellence.
Board of Directors
The members of the Board are :

Dr. Adarsh Kishore Chairman

Smt. Shikha Sharma Managing Director & CEO

Shri S. K. Chakrabarti Deputy Managing Director

Shri J.R. Varma Director

Dr. R.H. Patil Director

Smt. Rama Bijapurkar Director

Shri R.B.L. Vaish Director

Shri M.V. Subbiah Director

Shri K. N. Prithviraj Director

Shri V. R. Kaundinya Director

Shri S. B. Mathur Director

Shri M. S. Sundara Rajan Director

Shri S. K. Roongta Director

Shri Prasad R. Menon Director

Vision 2015 and Core Values

VISION 2015:
To be the preferred financial solutions provider excelling in customer delivery through insight,
empowered employees and smart use of technology
Core Values
Customer Centricity
Ethics
Transparency
Teamwork
Ownership
EasyAccess Savings Account Krishi Savings Account

Want a savings account that transcends Are you true farmer looking for an account that can
geographical boundaries? be operated easily?

Learn More Learn More

Corporate Salary Account Prime Savings Account

Want to manage your salaries smartly and Want a customized savings account to suit your
conveniently? specific financial requirements?

Learn More Learn More

Priority Account - Resident Women's Savings Account

A service that would ensure not only the highest Are you woman seeking banking solutions tailored
level of priority but also preferential treatment to to your needs?
select customers.
Learn More
Learn More

Demat Account
Senior Citizen's Account
Open a Demat Account
Are you seeking a banking style that compliments
your senior status? Learn More

Learn More

Azaadi - No Frills

Power Salute Do you seek freedom from the necessity of a

minimum balance?
Are you looking for an account that fits with your life
in the Defence Forces? Learn More

Learn More

Trust/NGO Savings Account

Need special banking for special causes?

Learn More

Pension Savings Account

Are you a Pensioner seeking banking solutions

tailored to your needs?
EasyAccess Savings Account
Banking made easy
Want a savings account that transcends geographical boundaries?

Presenting, Axis Bank's EasyAccess Savings Account. The account is an endeavor by the Bank to understand
the consumers' needs and redefine banking to suit your requirements for a truly comfortable banking
experience. EasyAccess Savings Account gives you instant access to your money anywhere, anytime.
Possessing a range of unmatched features, it has been devised to better suit the convenience of our eclectic
client base.

You can avail of all these services with a minimum quarterly average balance of Rs. 5,000 in metro or
urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000 in rural centers.

At-par cheque
ATM Network
Anywhere Banking
Telebanking
iConnect
SMS Banking
Quarterly account statement
Quarterly interest @ 3.5 % per annum
Free monthly e-statement.

Krishi Savings Account

Kheti Ho Khushhali Ki
Axis Bank offers a unique savings account which is easy to operate and allows you to transact immediately.
This product has been specially designed keeping in mind the unique requirements of a farmer and true to
its nature has been called the Krishi Savings Account.

Some of the features of our new product are:

Average Balance Requirement

This account is offered with the requirement of maintaining the half-yearly average balance of Rs 1000
only.

International Master Debit Card

The Krishi Savings Account entitles you to an International Master Debit Card with which you can access
your account anytime through the Axis Bank ATM network free of cost.
This card comes with:

A cash withdrawal limit of Rs 25,000 per day

Free Accident Insurance cover of Rs 2 lacs
Anywhere Banking
Being a Krishi account holder, you are entitled to access our wide network of more than 1000 branches and
4055 ATMs across 440 cities. You can now easily carry out your transactions through any of the branches
or ATMs.

At Par Cheque Book

Your Krishi Savings Account comes with the At-Par Cheque facility. This facility enables you to encash the
cheques as local instruments at any of the 440 centres where the Bank has its presence, at no extra cost.
Moreover, you can also issue cheques at other centers upto the limit of Rs 50,000.

Click here to know more about what the Krishi Savings account has to offer.

Click here to avail of a savings account with a minimum average balance of Rs. 5,000.

Corporate Salary Account

Our Corporate Salary Power Offering is designed to offer payroll solutions through in a 24 X 7 environment.

We leverage on our extensive network of distribution channels spread across 586 centers through a network
of more than 1000 branches and 4055 ATMs (as on 31st March, 2010) besides our superior service delivery
model and product features, as a strong differentiator, to provide value to the end user.

Benefit to Employers
Efficient salary disbursal.
Web Upload - Transfer salaries/reimbursements directly from your current account with Axis Bank
to your employee's accounts using I Connect from your office.
Single-instruction salary credit - Same day salary credits for all companies having Corporate
Account with Axis Bank.
Dedicated Relationship Manager at metro locations to understand the financial requirements of
your employees.
Benefit to Employees
No minimum balance criteria.
Unparalleled Access - Anywhere banking facility through our network of Branches, Atm and
Internet banking facility.
AT Par chequebooks payable locally at all Axis Bank locations.
International Debit cum ATM cards with enhanced Cash withdrawal facility and other value add ons.
Online Banking with funds transfer, online shopping and bill payment options.
Depository services with free online trading accounts.
Meal Cards on a master card platform.
Employee Reimbursement accounts as a savings account variant.
Preferential pricing on loan products and credit cards and other banking products & services*.

Prime Savings Account

Want a customized savings account to suit your specific financial requirements?

At Axis Bank, we have always strived to pace our products with the growing needs of our customers. The Prime Savings
account has therefore been created with your specific financial requirements in mind.
Wider accessibility
As a Prime Savings account holder, you enjoy access to a wide network of over 1000 branches and one of
the largest ATM networks (4055 ATMs as on 31st March 2009) in India giving you easy access to your
account from almost any corner of the country.

Greater convenience
To simplify daily banking, your Prime Savings account comes with an international photo-signature Debit
Card. This unique card comes with withdrawal limit of Rs. 40,000 per day, facilitating transfer of funds,
deposits of cash/cheques and payment of insurance premium (LIC).

Your Debit Card also comes with a comprehensive insurance cover inclusive of zero lost card liability,
purchase protection and personal accident insurance up to Rs. 2 lakhs.
[To keep your personal accident insurance cover activated, you should have made a purchase transaction in
365 days prior to the day of the incident & should have maintained an average quarterly balance of Rs
5,000 (urban & metropolitan branches) or Rs 2,500 (rural & semi-urban branches) as the case may be in
the two quarters before the date of the incident.]*

More comfort
Through our 24 hr Internet Banking and Tele Banking services, you can enjoy the ease of banking from
home or office. Through these comprehensive services, you can access a range of facilities including online
funds transfer, requests for a new chequebook, Financial Advisory Services (FAS), online shopping and
information on mutual funds.

Enhanced privileges
The Prime Savings Account eases your banking experience by providing you a passbook and monthly
statement of account to keep you updated on all your transactions and assist you better in managing your
finances.

Added speed
Through the 'At Par' cheque facility, you have the unique advantage to encash your cheques as a local
cheque at more than 330 centres where the bank has a presence at no extra cost. In addition the account
enables you to issue cheques up to Rs. 1 lakh, which will be treated as 'At Par' across these locations.

You can avail of all these services with a minimum average balance of Rs 25,000 in metro/urban/semi-
urban centers and Rs 10,000 in rural centers.
Priority Account - Resident

We present to you Axis Bank - Priority. A service that would ensure not only the highest level of Priority but
also preferential treatment to selected customers like you.

Personalized
Services

Priority
Platinum
Debit Card

Convenience

Preferential
Pricing

Services on
Priority

Flexible
Eligibility
Criteria

Smart Privilege Account

For the woman of today
In today's busy world it's tough being a working woman. Right from shuttling between a job and family to
taking care of her finances she has to be on her toes all the time. Keeping this in mind, we at Axis Bank
have designed a savings account best suited for the woman of today. With the Smart Privilege Account, you
can manage your money and your life and as well as enjoy a host of lifestyle privileges. Furthermore Axis
Bank's Smart Privilege Account ensures that you have enough time for all the important things in life.

Jewellery Insurance on Debit Card

Zero Balance Minor Account
Round-the-Clock access through ATMs:
There could be an instance when at 3 am you could require cash. With our round-the-clock access you can
withdraw cash up to Rs. 40,000 per day, deposit cash/cheques, transfer funds, print a mini statement and
pay insurance premiums (LIC), all through our ATM channel which is one of the largest ATM networks in the
country.
Anywhere Banking:
Imagine being in an unknown city and still having complete access to all your transaction needs. As a
customer of the bank, you are in control and not restricted to the branch. So even if you are travelling, you
can access your account easily from any of the 700 plus Axis Bank offices spread over 400 cities across the
country.
At-par cheque facility:
Your cheque will be treated as a local cheque within the vast Axis Bank network of over 700 offices across
400 cities in India. Now no more running around to get a Demand Draft issued.
Monthly Account Statement
Free monthly e-statement
Additional discounts on loans
iConnectTM:
The Complete online banking experience: Its the age of Wi-Fi. All your banking needs should be on your
fingertips, with our i-connect you can check your account status, transfer funds, place online request for a
new cheque book and many more features without even having to visit an Axis Bank branch.
Financial Advisory Services:
Our Financial Advisor will assist you with your financial planning and help you to earn maximum returns on
your savings.
Discount on Retail Purchases:
Just live the feeling of walking into a store and getting amazing discounts not available to others. As you
are a valued customer for us, we shall endeavour to provide you with discounts at various outlets,
periodically. All you have to do is use your new Smart Privilege Debit Card and avail of discounts at these
outlets. Details of such tie-ups will be sent to you on a regular basis.
Smart Advantage

Demat Account
Axis Bank is a registered member (Depository Participant) of NSDL. In this system, physical security
holdings are converted into electronic (or in other words, dematerialized) holdings. Axis Bank has been
enrolled as a Depository Participant by the NSDL - India's first depository. You can avail of all the
depository-related services by just opening an account with NSDL through Axis Bank.

Demat Account

Transfer of shares and settlements Speed-e facility

Receipt of Corporate Benefits
Dematerialisation of shares
Rematerilialisation
Pledge-Hypothecation
Freezing or Locking of Accounts
i-Connect Depository Services
Tele Depository Services - Dial-Your-Demat
Auto E-mailer Services

Transfer of shares and settlements Transfer and settlements have never been easy as it is
under the depository system. All that is required is an instruction slip from you. If you are selling securities
then it has to be a delivery instruction slip. If you are purchasing securities it has to be a receipt instruction
slip or one time standing instructions for credit.
Receipt of Corporate Benefits Even securities entitlements like bonus and rights can be credited
to your demat account electronically. All you have to do is to choose the right option in the share
application form. Cash benefits like dividends and interest will be forwarded to you directly and not through
the depository. MICR code in Bank details in your demat account would ensure credit of cash corporate
action to your respective bank account.
Dematerialisation of shares At your request we arrange to convert your physical holdings into
electronic form. To do this you would be require to open a demat account with NSDL through us called
"Beneficiary Owner Account" in the name and style in which the shares are held by you. After opening
demat account, you can lodge the share certificates with us accompanied by a Dematerialisation Request
Form (DRF), separate for each scrip. You are required to only make sure that NSDL has admitted that scrip
for dematerialisation. You can get this verified at our branches offering demat services.
Rematerilialisation You have the option to convert your electronic shares back to physical
shares.
Pledge-Hypothecation You can also avail loan against shares by pledging shares in your demat
account. This process is also much faster than in the case of physical shares.
Freezing or Locking of Accounts You can also keep your accounts frozen or locked for the span
of time desired by you. No debits from your account will be made during this period.
Speed-e facility With the introduction of settlement on T+2 basis, instruction for delivery of
securities to broker's account is required immediately after sale of securities. Hence time available for
submission of delivery instructions is limited. Axis Bank now permits submission of delivery instructions in
electronic form using Internet based service called Speed-e. Physical delivery instructions need not be
submitted in case you are submitting the instructions on Speed-e.
Functioning of Speed-e

Speed-e is an Internet based service offered by NSDL through which demat account holders (including
brokers) can submit delivery instructions to us through Speed-e website http://speed-e.nsdl.com and also
view the status of such instruction.

i-Connect Depository Services You can access your holding and transaction statement of your
demat account through internet services / website.
Tele Depository Services - Dial-Your-Demat Access your Demat Account(s) through a
telephone from any of the access centers. Just dial the Tele-Depository Services number and get all
information about your account on Voice, Fax or even email. Dial-Your-Demat is available 24 hours a day,
365 days a year. This service offers you a wide range of facilities such as:

Balance inquiry

Statement of Demat account by fax or phone or email

Transaction details by fax or phone or email

Holding details by fax or phone or email

Overdue cum Holding details by fax or phone or email

Rejection details by fax or phone or email

Change of PIN
Auto E-mailer Services You can register for auto e-mailer services for getting holding and
transaction statement on the registered mail id at the frequency defined by you i.e. either
daily/weekly/monthly

Trust/NGO Savings Account

Thoughtful banking for people who spend their lives thinking of others
Need special banking for special causes?

Axis Bank's Trust Account is an effort to offer thoughtful banking for people who spend their lives thinking of
others. It is a complete banking solution for Trusts, Associations, Societies, Government Bodies, Section 25
companies and NGOs, so that the organisations can devote all of their time to their noble motivations.

Features
A Savings Account for your Trust with Average Quarterly Balance (AQB) of Rs. 25,000
A multi-city at-par cheque facility with no limit on clearing payments at centers across the country
wherever we are present.
Free Anywhere Banking across all our Branches and Extension Counters and over all our ATMs.
Free Demand Drafts or Pay Orders as and when required by you to remit funds.
Free collection of cheques at outstation locations.
Free monthly e-statement
Monthly Statement of Account delivered at your doorstep.
Facility for collecting donations in your account through our network of Branches and Extension
Counters across the country, as well as through iConnect - our Internet Banking facility.

Also, Axis Bank can offer the facility to donate funds to your Trust through our Internet Banking facility
iConnect to its customers. An Axis Bank customer can donate any amount to your Trust through the
Internet.

In such cases, the savings account of the customer gets debited and the savings account of your Trust gets
credited with the amount of donation at the same time. At the end of every month, the Bank will provide an
MIS giving details of the amount of donations and the name of donor. This will enable the Trust to issue
receipts to the donors.
Free Internet Banking facility that enables you to view the status of your account, transfer funds
and carry out a number of banking activities from the comfort of your home or office.
Investment Advice:
Our Financial Advisory Desk will provide portfolio management advice as well as help you undertake
investments.
Free Demat:
To facilitate your investments, we offer a free Demat Account (charges due to NSDL must still be levied) to
our esteemed account holders in the Trust or Society segment.
Constituent Subsidiary General Ledger (SGL) account:
The Constituent Subsidiary General Ledger (SGL) account through which investments in Govt. securities are
carried out comes with a host of value-added services:

Investment advice related to the customer's g-sec portfolio

Offer of better rates on sale of government securities from the Bank's stock of securities

Concessions in transaction and service charges. (However charges that have to be directly
passed on to the Clearing Corporation of India as part of the Negotiated Dealing System for trading in g-
secs cannot be waved - a fact, which will be communicated up front.)
Foreign Contribution (Regulation) Act [FCRA] accounts:
The FCRA account enables approved organizations to receive foreign contributions for utilization in their
activities in India. The Bank will provide assistance in the process of documentation and obtaining
necessary approvals from Ministry of Home Affairs at New Delhi.

PersonalDepositsFixed Deposits

Fixed Deposits
Safety, Security and Growth
Axis Bank offers you simple reinvestment Fixed Deposits (at very competitive interest rates), which
can be opened with a minimum investment of Rs 10,000. You can make additions to your deposit in
multiples of Rs 1,000 each. The tenure of your deposit must be a minimum of 6 months.

Deposit Schemes
Reinvestment Deposits:
In a reinvestment deposit, the interest accrued to your deposit at the end of each quarter is
invested along with the principal. The tenure of your deposit must be a minimum of 6 months. At
the end of the quarter, the interest and the principal are both rolled over, and the interest is
calculated on the total sum. Income tax is deducted at source.

Automatic Rollover:
As a Fixed Deposit holder, you can avail of the facility for automatic rollovers on maturity (for both
the principal and interest). You can select this option in the Account Opening Document (AOD). The
options available are:

Rollover only Principal:

 Only the principal amount will be rolled over. The interest will be either credited to your designated
account or paid out.
Rollover Principal and Interest accrued in Reinvestment Deposit:
This will rollover both the deposit and the interest accrued for the same tenure at the interest rate
applicable on the maturity date.

On or before the maturity date, you can make the following changes in the rollover instructions of
the deposit:

Change in tenure
Change in maturity instructions
Change in payment instructions
Change in principal (only reduced amount)
Change rollover of Principal to rollover of Principal + Interest, or vice versa.
Withdrawals
All encashments or withdrawals of Fixed Deposits can only be made at the branch where the
deposit was booked.

Method of calculation of interest

For deposits with tenure of 6 months & above, interest is calculated on a quarterly basis.
Interest earned during the previous quarter is added to the Principal for calculation of
interest. Interest on this amount is calculated every quarter.
For deposits with tenure of below 6 months, interest is calculated at Simple Interest.
Please note that the period of Fixed Deposit is considered in number of days.
In the event the depositor chooses to receive the periodic interest payments on a quarterly
basis, interested is calculated and paid on quarterly rests.
On premature withdrawal of the deposit, interest shall be paid only for the period for which
the deposit is maintained with the Bank and at the rate applicable for such period.
Tax at source is deducted as per the Income Tax regulations prevalent from time to time.

Recurring Deposits
Power of compounding
Are you considering saving money a bit at a time?

Axis Bank's Recurring Deposit scheme will allow you with an opportunity to build up your savings
through regular monthly deposits of fixed sum over a fixed period of time.

Features

Recurring deposits are accepted in equal monthly installments of minimum Rs 1,000 and above in
multiples of Rs 500 thereafter.
Recurring Deposit accounts can be opened for a minimum period of 12 months and in multiples of
12 months thereafter, upto a maximum of 120 months.
The amount of installment once fixed, cannot be changed .
Installment for any calendar month is to be paid on or before the last working day of the month.
Where there is delay in payment of installment, one can regularise the account by paying the defaulted
installment together with a penalty (at present it is @ PLR plus 4 % for the period of delay).Fraction of a
month will be treated as full month for the purpose of calculating the penalty.
The total amount repayable to a depositor, inclusive of interest, depends on the amount of
monthly installments and the period of deposit.
 Encash 24
The Encash 24 (Flexi Deposit) gives you the liquidity of a Savings Account coupled with high earnings of
a Fixed Deposit. This is achieved by creating a Fixed Deposit linked to your Savings Account providing
you the following unique facilities:

Maximum Returns:
Your money is no longer idle. As soon as the balance in your Savings Account crosses over Rs 25,000, the excess, in
multiples of Rs 10,000 will be transferred automatically to a higher interest earning Fixed Deposit Account. The maturity
of fixed or term deposits formed as a result of transfer of money from the Savings Bank account will be for a maximum
period of 181 days and the interest will be calculated on simple interest rate basis.
Maximum Liquidity:
The money parked in Fixed Deposits as a result of the above mentioned sweep out from your Savings account can be
easily accessed by issuing a cheque, withdrawing through ATM etc. This amount is automatically reverse swept from the
most recently formed Fixed Deposit in units of Rs 5,000 to the Savings account whenever the balance in your Savings
account falls below Rs 25,000. The amount broken form your Fixed Deposit will earn interest rates at the applicable rate
for the period that the deposit was held with the Bank. The remaining amount of Fixed Deposit will continue to earn the
contracted rate of interest.
Auto Renewal:
On maturity of your linked Fixed Deposit, the Bank will automatically renew it for a maximum period of 181 days.

How do I sign up for Encash 24?

All you have to do is to open a Savings Account and sign up an ENCASH 24 declaration form. A minimum
average quarterly balance of Rs 10,000 must be maintained in your Savings Account to avail the Encash
24 facility.

Priority Banking customers wishing to avail of Encash 24 Facilities, need to maintain a minimum total
relationship of Rs 5 lacs only, in their Encash 24 Account. As soon as the balance in the Priority Banking
Savings Account crosses over Rs 1,00,000 the excess balance, in multiples of Rs 50,000 will be
transferred automatically to the Fixed Deposit Account.

Tax Saver Fixed Deposit

In the Finance Bill of 2006, the government had announced Tax benefits to Bank Term Deposits which are of
over 5 year tenure u/s 80C of IT Act, 1961 vide Notification Number 203/2006 and SO1220 (E) dated
28/07/2006.

The salient points of the scheme notification are; (a) Fixed tenure without premature withdrawal. (b) Year is
defined as a financial year. (c) Amount limited to Rs. 100 minimum and Rs. 100,000 maximum. (d) Bank
will issue a Fixed Deposit Receipt that shall be the basis of claiming tax benefit. (e) Term deposit under this
scheme cannot be pledged to secure a loan.

Benefits of tax break u/s 80C of IT Act Benefit Illustrator Example

Assume that a customer invests Rs 100,000 in this scheme @ 8% p.a. in fixed deposit for five years. He
will get a benefit of Rs 30,600 at 30.6 % on the eligible investment of INR 100,000 assuming that he is in
Rs 2,50000 lac to Rs 10,0000 lac tax bracket, thus his effective investment would be Rs 69,400. He would
earn Rs 8000 (08 percent on 1 lac) as interest per annum, which would translate to a return of 11.5
percent on the effective investment of Rs
 PersonalLoansHome Loan

Home Loan
Quick and easy home loans
Need help buying a home?

Axis Bank's Power Home puts an end to your Real Estate troubles. Augment your reach and buy the
house that you've set your heart on.

Features of Power Home Loan

Attractive interest rates
Balance Transfer facility
Doorstep service
Nil Prepayment charges
#Special Benefits available for Priority Banking customers. To know more, contact your Priority
Banking Relationship Manager today!

Car Loan
Quick and easy car loans
Is your dream car still a dream?

Axis Bank's Power Drive will help realize your dream. With some of the world's finest cars now available in
India don't let the price tags discourage you. Power Drive will bridge that distance by financing a major part
of the cost of your new car. So, you don't have to put the brakes on your ambition.

Loan value calculated as per the on-road-price of the vehicle

Attractive interest rates
LTV of upto 85% of the on-road-price on selected models
Loans available for salaried and self employed individuals, proprietorships and partnership firms
Special schemes for Axis Bank Salary accountholders
No income proof schemes available
Loans offered from Rs. 1 lac onwards
Loans tenure from 1 year to 7 years.
*Special Benefits available for Priority Banking customers. To know more, contact your Priority Banking
Relationship Manager today!

Personal Loan
Quick and easy personal loans
Are you in need of some quick cash?

Presenting Axis Bank's personal Loans. Go on your dream holiday, buy the latest lifestyle gizmo, gift your
wife a lovely diamond ring, renovate your house or just squash a temporary cash crunch. Let us give you a
helping hand. Our personal loans will meet all your personal requirements.

Loans for salaried individuals of select companies

Special loans for doctors, chartered accountants, engineers, architects, CS and ICWA
Loans are available from Rs 1 lac to Rs 20 lacs
Repayment tenures from 12 to 60 months
Attractive interest rates
A balance transfer facility available for those who want to retire any higher cost debt
Loans available against repayment track record of any existing auto, personal or home loan
Zero balance SB account facility for personal loan customers
Simple procedure, minimal documentation and quick approval
*Special Benefits available for Priority Banking customers. To know more, contact your Priority Banking
Relationship Manager today

Loan Against Security

Unlock your financial assets
Overdraft against mutual funds
Individuals are only eligible to apply
Maximum limit upto 50% of valuation
Overdraft facility against more than 300 schemes
Overdraft tenure of 12 months
Loan or overdraft against NSC or KVP or LIC policy
Option to either borrow lump sum or withdraw as and when required
*Special Benefits available for Priority Banking customers. To know more, contact your Priority Banking
Relationship Manager today!

Education Loan
Higher education within your reach
Axis Bank's Study Power aims to provide financial support to deserving students for pursuing higher
professional or technical education in India and abroad. The loan would be provided to students who have
obtained admission to career-oriented courses eg, medicine, engineering, management etc., either at the
graduate or post-graduate level.

Quantum of Loan
The quantum of finance under the scheme is capped at Rs 10.00 lacs for studies in India and Rs 20.00 lacs
for studies abroad, which would cover tuition fees, hostel charges (if any), cost of books, etc. The minimum
amount of loan would be Rs 50,000.

Margin:
No margin for loans upto Rs 4 lacs. For loans above Rs 4 lacs, 5% margin for studies within India and 15%
for higher studies overseas.
Role of the Guardian:
The parent(s) or guardian of the student would be treated as a co-applicant of the loan. His or her role
would be, necessarily, like the primary debtor.

Security:
Third party guarantee and/or collateral security may be asked for in appropriate cases.

Additional Security:
Assignment of LIC policy in favour of the Bank for the sum assured being at least 100% of the loan
amount. The policy is kept alive during the currency of the loan. To ensure this, the annual premium may
be included in the computation of the loan requirement, along with the tuition fees and other recurring
charges. Further, the future income of the student needs to be assigned in favour of the Bank for meeting
the installment obligations.

Disbursement:
The loan will be disbursed in full or in suitable installments taking into account the requirement of funds
and/or fee schedule as assessed by the Bank directly to the educational institution or vendor of books or
equipment or instruments.

Consumer Power
Easy and affordable consumer loans
Need to turn your house into a home?

Axis Bank's Consumer Power scheme will help you acquire the consumer durables you need. Because we
know it takes a lot more than four walls to make a home. A new TV, a washing machine, a refrigerator or an
AC... the possibilities are endless.

Terms
You can apply for as little as Rs 25,000, or as much as Rs 2 lacs. The maximum loan amount cannot exceed
85% of the cost of the durable, or 12 times your net monthly salary (or equivalent of net annual income for
self-employed persons), whichever is lower. You are charged a competitive interest rate, and you can
choose to repay your loan in 12, 24 or 36 Equated Monthly Installments. If you are a salaried employee,
your Equated Monthly Installments will be collected directly from your employer under the check-off facility.
For others, post-dated cheques will be collected.

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Platinum Credit Card Trust Chemists Credit Card

Discover a mine of Platinum Privileges with Axis The first ever co-branded card in the pharmacy
Bank Platinum Credit Card that makes it only more category in India, it is exclusively designed for Trust
exclusive and distinct customers, with a host of exclusive benefits.

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Gold Credit Card Shriram Credit Card

An exclusive credit card for exclusive people. A co-branded card with Shriram Transport Finance
Company Finance Ltd for transport operators in the
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Silver Credit Card

Now, experience freedom like never before. eShop Card

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securely without divulging your credit card details.

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Easy Credit Card

A Credit Card that's very Easy to get with minimal

documentation and guaranteed approvals.

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Travel Currency Cards Outward Remittance

Axis Bank's Travel Currency Card aims to make
traveling abroad a truly memorable experience.
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Our correspondent banks worldwide are geared to
make remittances and banking arrangements an
easy proposition.
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Foreign Currency Travellers Cheques

Foreign Currency Cash
Traveler's cheques are widely accepted globally as
a mode of payment in many parts of the world. Cash is the oldest and commonest method of

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 carrying foreign exchange overseas

Mutual Funds
Invest smartly
A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal.
The money thus collected is then invested in capital market instruments such as shares, debentures and
other securities. The income earned through these investments and the capital appreciation realized are
shared by its unit holders in proportion to the number of units owned by them.

Thus a Mutual Fund is the most suitable investment for the common man as it offers an opportunity to
invest in a diversified, professionally managed basket of securities at a relatively low cost.

Our Offering
As Axis Bank Financial Advisory team, we adopt a strong research driven recommendation model to help
you choose the best funds based on qualitative and quantitative parameters.

Apart from this, a dedicated Relationship Manager can also be assigned to you to ensure that your
investment requirements are taken care of, smoothly and efficiently. Our advisors understand your profile
and lead you through a structured financial planning process to devise financial solutions best suited to you.
The advisors will also help you choose the right investment products in line with your investment goals.

We offer a unique 'One Page Portfolio Snapshot' report across investment products to our customers
investing in Mutual Funds. This report can be viewed through our Internet Banking module.

Online Trading
Investing and trading @ click of a mouse
Axis Bank in alliance with Geojit Financial Services now offers you an Online Trading Account. Trade from
the comfort of your home or office either through the Internet or the Phone. This service provides you with
an integrated Savings Bank Account, Demat Account and an Online Trading Account to give you a
convenient and paper free trading experience.

As an Axis Bank Online Trading Customer you would also have the flexibility to get an insight to a complete
range of Corporate Information, Reuter News and Research Tools which would help you to take timely
Investment decisions

Demat Account
Axis Bank is a registered member (Depository Participant) of NSDL. In this system, physical security
holdings are converted into electronic (or in other words, dematerialized) holdings. Axis Bank has been
enrolled as a Depository Participant by the NSDL - India's first depository. You can avail of all the
depository-related services by just opening an account with NSDL through Axis Bank.

Demat Account

Transfer of shares and settlements Speed-e facility

Receipt of Corporate Benefits
Dematerialisation of shares
Rematerilialisation
Pledge-Hypothecation
Freezing or Locking of Accounts
i-Connect Depository Services
Tele Depository Services - Dial-Your-Demat
Auto E-mailer Services

Transfer of shares and settlements Transfer and settlements have never been easy as it is
under the depository system. All that is required is an instruction slip from you. If you are selling securities
then it has to be a delivery instruction slip. If you are purchasing securities it has to be a receipt instruction
slip or one time standing instructions for credit.
Receipt of Corporate Benefits Even securities entitlements like bonus and rights can be credited
to your demat account electronically. All you have to do is to choose the right option in the share
application form. Cash benefits like dividends and interest will be forwarded to you directly and not through
the depository. MICR code in Bank details in your demat account would ensure credit of cash corporate
action to your respective bank account.
Dematerialisation of shares At your request we arrange to convert your physical holdings into
electronic form. To do this you would be require to open a demat account with NSDL through us called
"Beneficiary Owner Account" in the name and style in which the shares are held by you. After opening
demat account, you can lodge the share certificates with us accompanied by a Dematerialisation Request
Form (DRF), separate for each scrip. You are required to only make sure that NSDL has admitted that scrip
for dematerialisation. You can get this verified at our branches offering demat services.
Rematerilialisation You have the option to convert your electronic shares back to physical
shares.
Pledge-Hypothecation You can also avail loan against shares by pledging shares in your demat
account. This process is also much faster than in the case of physical shares.
Freezing or Locking of Accounts You can also keep your accounts frozen or locked for the span
of time desired by you. No debits from your account will be made during this period.
Speed-e facility With the introduction of settlement on T+2 basis, instruction for delivery of
securities to broker's account is required immediately after sale of securities. Hence time available for
submission of delivery instructions is limited. Axis Bank now permits submission of delivery instructions in
electronic form using Internet based service called Speed-e. Physical delivery instructions need not be
submitted in case you are submitting the instructions on Speed-e.
Functioning of Speed-e

Speed-e is an Internet based service offered by NSDL through which demat account holders (including
brokers) can submit delivery instructions to us through Speed-e website http://speed-e.nsdl.com and also
view the status of such instruction.

i-Connect Depository Services You can access your holding and transaction statement of your
demat account through internet services / website.
Tele Depository Services - Dial-Your-Demat Access your Demat Account(s) through a
telephone from any of the access centers. Just dial the Tele-Depository Services number and get all
information about your account on Voice, Fax or even email. Dial-Your-Demat is available 24 hours a day,
365 days a year. This service offers you a wide range of facilities such as:

Balance inquiry
 Statement of Demat account by fax or phone or email

Transaction details by fax or phone or email

Holding details by fax or phone or email

Overdue cum Holding details by fax or phone or email

Rejection details by fax or phone or email

Change of PIN
Auto E-mailer Services You can register for auto e-mailer services for getting holding and
transaction statement on the registered mail id at the frequency defined by you i.e. either
daily/weekly/monthly.

Safe Business Advantage

Guar
d Safeguard your investment with an insurance cover
that protects against losses due to unforeseen
Insurance policy exclusively meant for Axis Bank calamities.
savings account customers.
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Family Health
Safe Home
Comprehensive health insurance that covers you, your
An insurance policy exclusively designed for Axis spouse and 3 dependent children up to the age of 18
Bank customers to provide property protection and years.
safeguard valuables at home.
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Silver Health
Safe Home Plus
Medical insurance for the senior citizens.
Protects your home against losses due to Fire and
Earthquake. Learn More
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Motor Insurance
Travel Companion Quick and hassle free car insurance.
Cover your medical treatments when abroad. Learn More
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Jewellery Insurance
Critical Illness Complete security for your valuables against all risks,
thus giving you complete peace of mind.
Insure yourself against the risk of serious illness.
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Bill Pay Tax e-Payments

Pay your bills from the comfort of your home or Pay your Taxes through an e-Payment Facility.
office.
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Direct Tax Payments

Electronic Clearing Service
Pay your income and other direct taxes at our
Paperless credit / debit transactions directly linked designated branches.
to your account
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Pension Disbursement
Outward Remittance
Receive your monthly pension at designated Axis
Now send money abroad in a secure and Bank branches.
convenient manner
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Visa Money Transfer

Pay Visa Credit Card bills of any bank and transfer

money to the bank account of Visa Debit Card
holders.

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Prepaid Mobile Recharge Online Shopping

Never lose your connectivity. Recharge your mobile Shop across all the major online stores in the cool
anytime of the day or night. comforts of your home.

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Lockers IPOSmart

Lockers designed for your conveniece in different Now invest in an IPO the smart way.
sizes.
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E-Statement

E-Statement are secure and electronic way to

receive statement of accounts from the Bank.

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