Annexure II

Interest Rate on Advances linked to Base Rate and BPLR (base Rate : 9.75 % and BPLR: 15.75 % w.e.f 01.05.2011) A. Rate of Interest on Advances for Agricultural purposes: Sl. No . Size of the Limit / Loan Base Rate

Existing % p.a. Agricultural Jewel Loans: Upto & inclusive of Rs. 2.00 lakhs Over Rs. 2.00 lakhs and upto Rs. 3.00 lakhs Over Rs. 3.00 lakhs and upto Rs. 5.00 lakhs Over Rs. 5.00 lakhs Other Direct Agri. Credits : (inclusive of KCC) Upto & inclusive of Rs. 2.00 lakhs Over Rs. 2.00 lakhs but Upto & Inclusive of Rs.3.00 lakhs Over Rs.3.00 lakhs but Upto Rs.5.00 lakhs Over Rs.5.00 lakhs Advances to farmers against agricultural commodities/warehouse receipts/cold storage bonds a) upto Rs.5.00 lakhs b) Over Rs.5.00 lakhs upto Rs.10.00 lakhs c) Above Rs.10.00 lakhs 10 Advances to Self Help Groups (SHGs) BR plus 2.00 (11.25) 11 Advances under Swarojkar Credit Cards (SCC) BR (9.25) A) Upto Rs. 50000 b) Above Rs. 50000 BR plus 5.50 (14.75)

Revised RoI % p.a

01 02 03 04

BR (9.25) BR plus 1.00 (10.25) BR plus 2.50 (11.75) BR plus 4.00 (13.25)

BR (9.75) BR plus 1.00 (10.75) BR plus 2.50 (12.25) BR plus 4.00 (13.75)

05. 06. 07 08 09

BR (9.25) BR plus 1.00 (10.25) BR plus 2.50 (11.75) BR plus 3.50 (12.75)

BR (9.75) BR plus 1.00 (10.75) BR plus 2.50 (12.25) BR plus 3.50 (13.25)

BR plus 1.00 (10.25) BR plus 1.75 (11.00) BR plus 5.00 (14.25)

BR plus 1.00 (10.75) BR plus 1.75 (11.50) BR plus 5.00 (14.75) BR plus 2.00 (11.75)

BR (9.75) BR plus 5.50 (15.25)

12

Advances under General credit Card (GCC) Upto Rs. 25,000/- only

BR plus 5.50 (14.75)

BR plus 5.50 (15.25)

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B. Rate of Interest on Non-agri & Other Commercial Advances

Sl. No Base Rate Size of the Limit Existing RoI 01 Jewel Loans: (Non-Agri) Jewel Loan (upto & inclusive of Rs.50,000/- for Non - Agri purpose / Personal consumption purposes All Other Jewel Loan (Over Rs. 50,000 - for Non - Agril purpose / personal consumption purposes) BR plus (11.75) 2.50 Revised RoI Existing RoI PLR minus 3.50 (11.75) PLR minus 2.50 (12.75) Revised RoI BPLR

BR plus (12.25)

2.50

PLR minus 3.50 (12.25) PLR minus 2.50 (13.25)

02

BR plus (12.75)

3.50

BR plus (13.25)

3.50

Other Credits : (all categories of business credits) 03 . 04 . 05 Upto & Inclusive of Rs. 2.00 lakhs (For business purpose) Over Rs. 2.00 lakhs** (including Agri- Indirect advances) Lending for Commercial Real Estate and Capital Market Exposure Housing loans (Other than under Swayam Graha Scheme) Upto Rs. 25 lakhs Above Rs. 25.00 lakhs Upto 5 years BR plus (15.25) BR plus (16.75) BR plus (17.25) 6.00 BR plus (15.75) BR plus (17.25) BR plus (17.75) 6.00 PLR (15.25) PLR plus 1.50 (16.75) PLR plus 2.00 (17.25) PLR (15.75) PLR plus 1.50 (17.25) PLR plus 2.00 (17.75)

7.50

7.50

8.00

8.00

06

BR plus (16.25) BR plus (12.25) BR plus (12.75) BR plus (13.25)

7.00

BR plus (16.75) BR plus (12.75) BR plus (13.25) BR plus (13.75)

7.00

PLR plus 1.00 (16.25) PLR minus 3.00 (12.25) PLR minus 2.50 (12.75) PLR minus 2.00 (13.25)

PLR plus 1.00 (16.75) PLR minus 3.00 (12.75) PLR minus 2.50 (13.25) PLR minus 2.00 (13.75)

3.00

3.00

Over 5 yrs to 10 Yrs

3.50

3.50

Above 10 yrs and upto 15 yrs

4.00

4.00

07 .

Loans for purchase of Consumer Durables, two/four wheelers and other consumer loans , personal loans (irrespective of the quantum of Advance i.e., those which are not coming under banks own loan schemes)

BR plus (16.25)

7.00

BR plus (16.75)

7.00

PLR plus 1.00 (16.25)

PLR plus 1.00 (16.75)

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Sl. No

Base Rate Size of the Limit Existing RoI Revised RoI Existing RoI

BPLR Revised RoI

08

Advances against third party Deposits (other than agriculture credits) TOD in current account

BR plus (16.25) BR plus (17.25)

7.00

BR plus (16.75) BR plus (17.75)

7.00

PLR plus 1.00 (16.25) PLR plus 2.00 (17.25) 2% over & above the applicable rate

09

8.00

8.00

10

For S.T increase in OD/CC limits

2% over & above the applicable rate

2% over & above the applicable rate

PLR plus 1.00 (16.75) PLR plus 2.00 (17.75) 2% over & above the applicable rate

** The rate of interest is subject to risk score - based on the risk rating made for the borrowers who are enjoying credit facilities of Rs. 25.00 lakh and above. C. Rate of Interest for Advances under Special Loan Schemes of CUB:

Name of the Scheme

CUB Consumer Loan

Base Rate Existing Revised RoI RoI BR plus 5.75 BR plus 5.75 (15.00) (15.50) BR plus (13.50) BR plus (13.50) BR plus (15.00) BR plus (13.00) BR plus (17.50) 4.25 BR plus (14.00) BR plus (14.00) BR plus (15.50) BR plus (13.50) BR plus (18.00) 4.25

CUB Easy Ride

CUB Yoga Vahana

4.25

4.25

CUB Sulabh

5.75

5.75

CUB Sona (overdraft) (including scheme to pawn brokers) CUB Bazaar

3.75

3.75

8.25

8.25

BPLR Existing Revised RoI RoI PLR minus PLR minus 0.25 (15.00) 0.25 (15.50) PLR minus PLR minus 1.75 (13.50) 1.75 (14.00) PLR minus PLR minus 1.75 (13.50) 1.75 (14.00) PLR minus PLR minus 0.25 (15.00) 0.25 (15.50) PLR minus PLR minus 2.25(13.00) 2.25 (13.50) PLR plus 2.25 PLR plus (17.50) 2.25 (18.00) PLR minus 2.75 (12.50) PLR minus 2.25 (13.00) PLR minus 2.75 (13.00) PLR minus 2.25 (13.50)

CUB Dharani (Special) - Above Rs. 50,000 & Upto Rs. 10.00 lakhs - Above Rs. 10.00 lakhs & Upto Rs. 20.00 lakhs

BR plus (12.50) BR plus (13.00)

3.25

BR plus (13.00) BR plus (13.50)

3.25

3.75

3.75

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CUB Easy Business (ROI may vary within the ceiling of PLR depending upon the credit rating)

BR plus (14.50)

5.25

BR plus (15.00)

5.25

PLR minus 0.75 (14.50)

PLR minus 0.75 (15.00)

CUB Dharani a) Upto & inclusive of Rs. 2.00 lakhs

BR plus (13.50) BR plus (15.00)

4.25

BR plus (14.00) BR plus (15.50)

4.25

PLR minus 1.75 (13.50) PLR minus 0.25 (15.00)

b) Over Rs. 2.00 lakhs

5.75

5.75

PLR minus 1.75 (14.00) PLR minus 0.25 (15.50)

Name of the Scheme Existing RoI CUB Swayam Griha Scheme Upto Rs. 20 lakhs Upto 5 years

Base Rate Revised RoI

Existing RoI

BPLR Revised RoI

BR plus 0.25 (9.50) BR plus 0.75 (10.00)

BR plus 0.25 (10.00) BR plus 0.75 (10.50) BR plus 2.25 (12.00)

PLR minus 5.75 (9.50) PLR minus 5.25 (10.00) PLR minus 3.75 (11.50)

PLR minus 5.75 (10.00) PLR minus 5.25 (10.50) PLR minus 3.75 (12.00)

Over 5 yrs to 10 Yrs

Above 10 yrs and upto 15 yrsBR plus 2.25 (11.50)

Above Rs. 20 lakhs and upto Rs. 25.00lakh Upto 5 years

BR plus 0.75 (10.00) BR plus 1.25 (10.50)

BR plus 0.25 (10.00) BR plus 0.75 (10.50) BR plus 2.25 (12.00)

PLR minus 5.25 (10.00) PLR minus 4.75 (10.50) PLR minus 3.25 (12.00)

PLR minus 5.75 (10.00) PLR minus 5.25 (10.50) PLR minus 3.75 (12.00)

Over 5 yrs to 10 Yrs

Above 10 yrs and upto 15 yrsBR plus 2.75 (12.00)

CUB Vidhya Vani Upto Rs.4.00 lakhs For Boys BR plus 4.50 (13.75) BR plus 4.00 (13.25) BR plus 4.50 (14.25) BR plus 4.00 (13.75) PLR minus 1.50 (13.75) PLR minus 2.00 (13.25) PLR minus 1.50 (14.25) PLR minus

For Girls

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=> Above Rs.4.00 lakhs For Boys

2.00 (13.75) BR plus 5.25 (14.50) BR plus 4.75 (14.00) BR plus 5.25 (15.00) BR plus 4.75 (14.50) PLR minus 0.75 (14.50) PLR minus 1.25 (14.00) PLR minus 0.75 (15.00) PLR minus 1.25 (14.50)

For Girls

Name of the Scheme Existing RoI Special Loan Scheme to RTOs. *** For advances Secured by new vehicles alone (without any collateral) For advances Secured by new vehicles & any other collateral (value of collateral Min 50%) *** for advances secured by Second Hand Vehicles a) upto & inclusive of Rs. 2.00 lakh

Base Rate Revised RoI

Existing RoI

BPLR Revised RoI

BR plus 2.50 (11.75) BR plus 2.00 (11.25)

BR plus 2.50 (12.25) BR plus 2.00 (11.75)

PLR minus 3.50 (11.75) PLR minus 4.00 (11.25)

PLR minus 3.50 (12.25) PLR minus 4.00 (11.75)

BR plus 5.75 (15.00) BR plus 7.25 (16.50)

BR plus 5.75 (15.50) BR plus 7.25 (17.00)

b) above Rs. 2.00 lakh

For Tie-up arrangement for Tractors, Dairy projects, Palm oil, Casuarina, etc

As per individual tie-up schemes in force

PLR minus 0.25 (15.50) PLR plus 1.25 PLR plus (16.50) 1.25 (17.00) As per individual tie-up schemes in force

PLR minus 0.25 (15.00)

E. Rate of Interest on Collateral free loans for Micro and Small Enterprises under CGFT scheme (for Collateral Free Loans) Nature of advance Base Rate Existing Revised RoI BR plus 3.75 (13.00) BR plus 4.25 (13.50) BR plus 4.75 (14.00) BR plus 5.50 (14.75) BR plus 3.75 (13.50) BR plus 4.25 (14.00) BR plus 4.75 (14.50) BR plus 5.50 (15.25) BPLR Existing Revised RoI RoI PLR minus PLR minus 2.25 (13.00) 2.25 (13.50) PLR minus PLR minus 1.75 (13.50) 1.75 (14.00) PLR minus PLR minus 1.25 (14.00) 1.25 (14.50) PLR minus PLR minus 0.50 (14.75) 0.50 (15.25)

Upto and inclusive of Rs. 5.00 lakhs

Above Rs. 5.00 lakhs and upto Rs. 20 lakhs Above Rs. 20.00 lakhs and upto Rs. 50 lakhs Above Rs. 50.00 lakhs and upto Rs. 100 lakhs

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Annexure III Interest rates on Rupee Export credit (Base Rate (BR) 9.75 %) (w.e.f 01.05.2011) Categories of Export Credit Base Rate A. Pre-shipment credit a) upto 270 days BR plus 3.00 (12.75) b) Against incentives receivable from Govt. Covered by ECGC Guarantee upto 90 days B. Post-shipment credit a) On demand bills for transit period as specified by FEDAI b) Usance bills (for total period comprising usance period of export bills, transit period as specified by FEDAI and grace period, wherever applicable) i) upto 180 days BR plus 3.00 (12.75)

BPLR PLR minus 3.00 (12.75) PLR minus 3.00 (12.75)

BR plus 3.00 (12.75)

PLR minus 3.00 (12.75)

BR plus 3.00 (12.75) BR plus 3.00 (12.75) BR plus 2.00 (11.75) BR plus 2.00 (11.75) BR plus 2.00 (11.75)

PLR minus 3.00 (12.75) PLR minus 3.00 (12.75) PLR minus 4.00 (11.75) PLR minus 4.00 (11.75) PLR minus 4.00 (11.75)

ii) upto 365 days for exporters under the Gold Card Scheme c) Against incentives receivable from Government covered by ECGC guarantee upto 90 days d) Against un drawn balance upto 90 days E. Against retention money (for supplies portion only) payable within one year from date of shipment - upto 90 days F. Export credit not otherwise specified (ECNOS) i) For overdue bills upto 180 days

BR plus 3.00 (12.75) BR plus 7.00 (16.75)

PLR minus 3.00 (12.75) PLR plus 1.00 (16.75)

ii) For all others

(The above rates are ceiling rates and banks are free to charge any rate below this ceiling rates. Hence, branches are advised to charge interest as per the rate stipulated in the sanction letter of C.O.)

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Note: The above interest rate ceiling is effective from 01.05.2011 In case, the export is not materialized and the PCL and FDBP liabilities are to be liquidated from domestic sources of funds, interest as applicable to ECNOS specified against all others should be charged from the date of PCL/Bills purchase to the date of adjustment. (presently 16.75 % p.a.)

Interest rates on loans denominated in Foreign Currency: Branches should charge interest as per the rate stipulated in C.O. sanction order for the under mentioned category of advances. These rates are linked to LIBOR. 1. Foreign Currency Loans 2. Packing Credits in Foreign Currency (PCFC) 3, Post shipment Credits in Foreign Currency (PSCFC) 4. Import Trade Credits

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Annexure IV Loans and Advances against Non-Resident Deposits Nature of Deposits Quantum RoI for Loans p.a For For Third Depositors parties At Deposit rate commercial plus 2% rates (i.e.,) as applicable to Deposit rate the quantum of plus 2.50% advance and purpose / activity RoI for Overdrafts p.a For For Third Depositors parties At Deposit rate commercial plus 2.50% rates (i.e.,) as applicable to Deposit rate the plus 3.00 % quantum of advance and purpose / activity

NRE Deposits

Upto 75%

Upto 90%

FCNR (B) Deposits a) In Indian Upto 75% Rupees Upto 90% (only with the approval of Chairman / MD / ED / GM)

BR plus 3% p.a (12.75%) BR plus 4% p.a (13.75%)

At commercial rates (i.e.,) as applicable to the quantum of advance and purpose / activity

BR plus 3.50% p.a (13.25%) BR plus 4.50% p.a (14.25%)

At commercial rates (i.e.,) as applicable to the quantum of advance and purpose / activity

Upto 75% b)In Foreign Currency Upto 90%

Deposit rate plus 2.00% p.a

NOT APPLICABLE

Deposit rate plus 2.50% p.a

NOT APPLICABLE

NRO Deposits

Upto only

80%

Rate of Interest as applicable to Domestic Deposits

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