Title of the project report: ING VYSYA BANK

Submitted in Partial fulfilment of the requirement for the award of the Degree of Master of business administration

IIBS, NOIDA CAMPUS

Name of the Candidate Reg. No. Name of the Specialization Partner Institution Under the guidance of

: RAGHVENDRA PRATAP SINGH : 10P35GO248 : MARKETING : IIBS

Name of the Guide (in Block letters):-prof.SEEMA MISHRA Designation : ASSIST.DEAN

Centre for Participatory and Online Programmes Bharathiar University Coimbatore641046

CERTIFICATE

This is to certify that the project work entitled ING VYSYA BANK LTD .New Delhi during the period from 24-02-2012 to 24-04-2012, submitted to Bharathiar University in partial fulfilment of the requirements for the award of the Degree of Master of Business Administration in MARKETING is a record of the original work done and guidance and

by RAGHVENDRA PRATAP SINGH under my Supervision that this project work has not formed the basis

for the award of any

Degree/Diploma/Associate ship/Fellowship or Similar title to any candidate of any University.

Signature of the (Seal) Guide Name and Designation

Forwarded by

Director/Principal Partner Institution Centre for Participatory and Online Programmes Bharathiar University Coimbatore -46 Submitted for University Examination held on______________________________

Internal Examiner

External Examiner

DECLARATION I hereby declare that this project work titled ING VYSYA BANK LTD. is a record of Original work done by me under the guidance of MR.ANUJ KHANNA and MRS.ARTI SEN and that this project work has not formed the basis for the award of any Degree/Diploma/Associate ship/Fellowship or similar title to any candidate of any University.

Signature of the candidate Name Result Course with Specialization: MBA (Marketing) :RAGHVENDRA P.SINGH :

Date : 24th April,2012 Countersigned by Signature of the Guide

Acknowledgement

I have taken efforts in this project. However, it would not have been possible without the kind support and help of many individuals and organizations. I would like to extend my sincere thanks to all of them.

I am highly indebted to IIBS for their guidance and constant supervision as well as for providing necessary information regarding the project & also for their support in completing the project.

I would like to express my gratitude towards my parents & member of IIBS for their kind co-operation and encouragement which help me in completion of this project.

I would like to express my special gratitude and thanks to industry persons for giving me such attention and time.

My thanks and appreciations also go to my colleague in developing the project and people who have willingly helped me out with their abilities.

DATE: 24th NOV, 2012

NAME: RAGHVENDRA P.SINGH

PLACE: DELHI MBA 4th semester

Roll no. - 10P35GO248

TABLE OF CONTENT

CONTENT

PAGE NO

1. INTRODUCTION
2. 3. 4. 5. 6. INDUSTRY PROFILE VISION & MISSION COMPANY PROFILE PRODUCT PROFILE ORGANISATIONAL CHART

7. 8. sc EMPIRICAL RESEARCHES 1.Data collection method 2.Reliability and validity 9. ANALYSIS AND RESULTS 1.The future of marketing 2.Limitation of e-marketing ,History of e-marketing 9.SERVICES PROVIDE BY ING VYSYA BANK LTD. 10.ING VYSYA Web site 11.COMPETITOR OF ING VYSYA BANK LTD.

12.FINDINGS AND RECOMMENDATION 13.BIBLIOGRAPHY

INTRODUCTION ING Private Banking India brings wealth management solutions to High

Net worth individuals and entities. This includes individuals, families, small businesses, large corporations and institutions. Our approach is based on mature insights, total transparency and a comprehensive range of products and services on a non-discretionary platform. We draw from our international experience and global expertise. We are committed to provide excellent service to our customer base. The team consists of dedicated Relationship Managers and is supported by an in-house research team. We aim to be the Advising Bank of 1st Choice to our Target Private Banking Clients. NG is a global financial institution of Dutch origin. With private, corporate and institutional customers, in more than 40 countries, we are the largest financial group worldwide. ING Private Banking is a part of ING Group serving wealthy individuals and families. ING,in 1995, started Private Banking in India as a part of the ING Group N.V. Since then we have been helping our clients manage their financial future on a holistic basis. Private Banking at ING draws from our established global business credentials and brings wealth management solutions for High Net worth individuals and entities based on mature insights, total transparency and a comprehensive range of products and services.
Expertise People

When it comes to looking after, building and managing your wealth, we believe there should be minimal room for any errors. Attentiveness and dialogue with clients are the cornerstones of our

philosophy and with Private Banking at ING, you can feel secure that we always have your best financial interest at heart while developing what we envision to be a lifelong relationship.

Consulting & Planning We understand that above a certain level of wealth, you need customized advise from someone who understands your unique circumstances. Which is why a Private Banker, with requisite competence to understand your requirements, your risk appetite and investment expectation is assigned to you. Portfolio Construction Subsequent to a thorough analysis of your existing portfolio, your investment and tax status, family and professional background, future cash flow and any other requirements, we follow a structured and in-depth process. We offer solutions, in consultation with our Advisory Desk, which are diverse and innovative and help you develop the right portfolio tailored to your needs. Private Banking Program:

You are at the stage of your life wherein wealth creation comes naturally to you. It is a natural outcome of the business or the professional life that you lead, or it could also be the result of an inheritance that you have come into. You may already have a basic portfolio of investments, but perhaps you wish to flesh it out and enhance its potential. We realize that each client is unique. We do a thorough analysis of every aspect of your specific situation and your risk-profile. This riskprofile will be the starting point in determining how we will approach investment decisions for you. Whether you are an active market savvy investor or you prefer to rely on our advice and expertise on the market, you are always in control. Using our in-house expertise and proven techniques, we can offer you unique financial solutions to best suit your changing requirements.
Complaints Redressal

If the Client has any complaint with respect to the services under Private Banking, the Client shall refer the same in writing to the Private Banking Grievance Redressal Cell ("PBGRC"). All correspondence to the PBGRC shall be addressed to: The Compliance Officer Private Banking Grievance Redressal Cell ING Vysya Bank Limited, Corporate Office ING Vysya House, No. 22, MG Road Bangalore 560001

Alternatively the complaints can also be lodged through email to ccu@ingvysyabank.com

Product & Services

Our product offering includes Investment Advisory, Private Investment Banking, Structured credit and Estate Planning Advisory.

Investment Non-discretionary Portfolio

Advisory Management Services

Services (NDPMS)

Our Portfolio Management Services are non-discretionary, actively advised investment solutions made up of carefully selected combination of securities, funds and other sophisticated financial instruments. The objective is to ensure an optimum level of portfolio diversification to achieve your portfolio goals while managing the risk and allowing you the control of your investment decision process. Investment advice encapsulates: Direct Equity Derivatives Mutual Funds Bonds/Fixed Income Securities Structured Products

10

Latest Market Updates:

Our Advisory Desk monitors the market continuously. They also provide you with weekly, fortnightly and monthly reports and newsletters to help you understand the markets better. This analysis not only talks about the Indian scenario but also talks about the impact of the Global Markets on our markets and investments. OUR TEAM

Private Bankers provide value through superior knowledge and a better identification of needs. Our Advisory Desk in India brings strong knowledge and experience of over 50 man years of the Indian Financial Markets and Equity Markets respectively. The desk works closely with offshore teams to bring to you research and advise from across the globe. The process of putting together a portfolio recommendation for the client goes through a 4 stage process of Screening, Fundamental Research, Advise on Portfolio Construction and Implementation. The Advisory team is also happy to meet you to discuss specific portfolio inputs from time to time. We are currently an over 50 member team with a strong presence in Bangalore, Delhi, Mumbai, Hyderabad, Chennai and Kolkata. The team consists of dedicated Senior Relationship Managers supported by strong capabilities in Research, Product Advisory and Capital Market operations.

PERSONAL

11

ONLINE TRADING CURRENT A/C ACTIVE DEPOSIT LOANS

12

ORANGE A/C
Quarterly Average Balance (QAB) of Rs. 5000/-, Rs.10,000/-* * QAB requirement at Rs.10,000/- for Delhi NCR, Mumbai, Bangalore, Chennai, Hyderabad & Kolkata Free issue of the International Debit Card for the 1st year. Shopping convenience at over 2,00,000 merchant locations, with the ING Vysya International Debit card. Other Features Unlimited ATM transactions across all Maestro Cirrus ATMs Unlimited ATM transactions at over 356* ING Vysya ATM's. *as on 09.07.09 2 Demand Drafts with a value not exceeding Rs. 50,000 per annum, where the QAB is maintained. Unlimited usage of payable at par (PAP) Cheques. Transfer of funds across all branches. National Electronic Funds Transfer (NEFT) through the internet banking channel. Electronic Bill Payment service. Statement of Account through E-mail. Mi-b@nk - Internet banking facility. RTGS (Real Time Gross Settlement) transactions at all branches.
13

 AAA Cash deposit (Customers) - Free up to 2 transactions per month and a value limit of Rs. 50,000/-. Up gradation from any other savings account of the Bank to the Orange Savings Account at no additional cost. Mobile Banking services. SALARY A/C

Zero Balance Account.

Free Unlimited ATM transactions across all Maestro Cirrus ATMs. Initial issue of ING Vysya International Debit Card, for free. Re-issue charged at Rs. 150/- per request. Shopping convenience at over 200,000 merchant locations. Free issue of personalised chequebooks. Free 2 D.Ds / P.Os not exceeding a value of Rs. 10,000/- per month. Free transfer of funds across all the branches of ING. Free Bill Pay service at select centres. Free statement of account through e-mail.

14

 Internet banking facility. (Mi-b@nk). Free Customer Service Line. Adhoc Checkout* (Temp Overdraft) to an extent of 50 % of the last salary credit charged at 18 % for the number of days overdrawn. Service Charge of Rs.100/- for every month that the account is overdrawn.. Free for life, ING Vysya Credit Card based on customers eligibility. AAA Cash deposits are restricted to two transactions with a value not exceeding Rs. 25,000/- per month. Free joint account status with one other family member.

CURRENT A/C

In today's fast-paced world, your business regularly requires you to receive and send funds to various cities in the country. ING Advantage Current Account gives you the power of inter-city banking with a single account and access to more than 300 cities.

From personalized cheques that get treated at par with local ones in any city where we have a branch, to Free collection (if instruments are lodged directly) of outstation cheques (payable at branch locations), to free inter-city funds transfers of up to Rs.50 lakhs p.m., our priority services have become the benchmark for banking industry. Read on to know the powerful plus points of the ING Advantage Current Account.

ORANGE SALARY A/C

15

Zero Balance Account. (QAB requirementofRs.5000/ - reduced to zero)

Free Unlimited ATM transactions on Maestro Cirrus ATMs Initial issue of ING Vysya International Debit Card, Free. Re-issue charged at Rs. 150/- per request. Shopping convenience at over 2,00,000 merchant locations. Free issue and unlimited usage of Payable at Par chequebooks. Free transfer of funds across all the branches of ING. Free Personal Assistance Service - Smartserv at select centres*. Free Bill Pay service at select centres. Free statement of account through e-mail. Internet banking facility. (Mi-b@nk) . Free Customer Service Line. Free joint account status with one other family member. Adhoc Checkout* (Temp Overdraft) to an extent of 50 % of the last salary credit charged at 18 % for the number of days overdrawn. Service Charge of Rs.100/- for every month that the account is overdrawn. Free for life Credit Card based on Customers eligibility. AAA Cash deposits are restricted to two transactions with a value not exceeding Rs. 50,000/- per month.

ZWIPE SAVING A/C

With ING Zwipe Savings Account you swipe your way to exciting offers and deals every day. Shop with the leading brands, dine at your favourite restaurants, or make trips to your favourite holiday destinations with easy swipes from your ING Zwipe Card and be privy to instant discounts and rewards.

16

ING Zwipe
Amazing offers and discounts across hundreds of retail outlets, restaurants, spas, tours & travels and more in association with Free fuel surcharge waiver at all fuel stations across India Free cash withdrawal from any bank ATM Free payable-at-par cheque books Withdrawal limit of up to Rs. 50,000 per day 2 DDs up to Rs.50,000 free per month Free issue of the International Debit Card for the 1st year. Shopping - convenience at over 2,00,000 merchant locations, with the ING Vysya International Debit card Average quarterly balance of Rs. 25000 Can be opened by resident individuals above the age of 18, guardians obo minors

ZWIPE CLASSIC

17

ssuance of upto 10 demand drafts summing upto Rs. 5 lacs per month without charges/ commission. 25% off on locker charges for 1st year. Free zero balance zing account for the customers child. Zero account opening charges for demat and online broking account. Waiver of AMC charges for 1st year on demat account. 100% waiver of surcharge on purchase of petrol across any fuel station in India. Anywhere banking across all branches Free unlimited usage of ING and other bank ATMs and self bank kiosks without charges Enhanced ATM cash withdrawal limit of Rs. 50,000/- per day in own ATMs/ other Bank ATMs. Zero charges on anywhere cash deposit upto Rs. 50,000 per day. ORANGE CURRENT A/C
Free remittanc e limit (DD /PO /RTGS /EFT / NEFT) of Rs.2 cores per month; power
18

packed feature with potential to save up to Rs.4.8 lakhs per annum.* Free collection of outstation cheques drawn on ING locations Free mi-b@nk Internet Banking facility * Free issue of personalized cheque book (including PAP cheques). Avail safe deposit locker facility (where available) on a preferential basis. Free usage of ATM Network: The international debit card provides for unlimited usage in ING ATMs. Free ATM cum debit card with access to any ATM of any bank. ^ Free 24 hours Customer Service Line (toll free). Free SMS alert. Multiple channels to access your account Free standing instructions facility for regular payments and many more.
19

Free unlimited payable at par (PAP) Cheque Payments

Free unlimited transfer of funds within the bank Free easy anywhere cash deposit up to a specified limit and withdrawal.

 Cheque picks up facility available at selected locations. Features indicated above are available against stipulated Quarterly Average Balance of Rs1 lakh. Non - maintenance attracts penalty besides charges will be levied for usage of facilities. Please check for details. * Conditions apply. Bank reserves the right to change, modify or delete some of the features, without notice. * Saving of Rs.4.8 lakhs per annum is calculated at 20 ps. percent and is subject to usage of full limit of free remittance package of Rs.200 lakhs per month ^ On the Cirrus network.

ADVANTAGE CURRENT A/C

Free remittance limit (DD/ PO/ RTGS/ EFT/ NEFT) of Rs.50lakhs p.m.;powerpackedfeatureswithpot ential tosaveuptoRs.1.20lakhsp.a. Free collection of outstation cheques Drawn on ING locations.# Free unlimited payable at par Cheque payments. Free unlimited transfer of funds within the Bank. Free easy anywhere cash deposit up to a specified limit and withdrawal. Free issue of personalized cheque books and personalized payable at par cheques Free SMS alerts Free standing instructions facility * for regular payments Free ATM cum debit card with access to any ATM, of any bank ^ Avail safe deposit locker facility (where available) on a preferential basis Free usage of ATMs network: The international debit cards provides for unlimited usage in ING ATMs Free SMS alerts Cheque pick up facility at select locations Free 24 hours Customer Service Line (toll free) Multiple channels to access your account and many more

Features indicated above are available against stipulated Quarterly Average Balance. Non20

maintenance attracts penalty besides charges will be levied for facilities. Please check for details. Conditions apply. Bank reserves the right to change, modify or delete some of the features, without notice. Saving of Rs. 1.2 lakhs p.a. is calculated at 20ps % and is subject to usage of full limit of free remittance of Rs.50 lakhs p.m.^ On the cirrus network GENERAL CURRENT A/C Access your account from any of the networke d branches across India Deposit cash at any of the branches (networked) across India International debit card cum ATM card to access your account from the wide network of ING ATMs and self banking across the country Enjoy FREE 24- hour Phone Banking and Net Banking facilities that helps you check your balance and other details Attractive rates for inter-city/inter-branch transactions (Please refer Service Charges chart for details) Utilize a safe deposit locker (available at selected branches) for your valuables and important documents Personalized cheque book for enhanced security Cash pick up and delivery services at selected centers ( subject to approval of RBI) FLEXI CURRENT A/C Access your account from any of the networke d branches across India Deposit cash at any of the branches (networked) across India International debit card cum ATM card to access your account from the wide network of ING ATMs and self banking across the country Enjoy FREE 24- hour Phone Banking and Net Banking facilities that helps
21

you check your balance and other details Attractive rates for inter-city/inter-branch transactions (Please refer Service Charges chart for details) Utilize a safe deposit locker (available at selected branches) for your valuables and important documents Personalized cheque book for enhanced security Cash pick up and delivery services at selected centers ( subject to approval of RBI)

Access your account from any of the networke d branches across India Deposit cash at any of the branches (networked) across India International debit card cum ATM card to access your account from the wide network of ING ATMs and self banking across the country Attractive rates for inter-city/inter-branch transactions (Please refer Service Charges chart for details) Term deposit Fixed deposit Tenor based Rate of Interest Higher interest can be earned on longer period of deposits. Premature withdrawal is allowed at a nominal penalty of 1% on the applicable rate. Option to place deposits in multiples of Rs.1000 as units under Vysunits , enabling withdrawal as per need, in multiples of Rs.1000.
22

Option to draw interest by way of DD / PO / Credit to own SB account with ING Vysya Bank, Monthly (at a discount) or Quarterly, as per choice. Loans upto 95% of the deposit would be available at 2% above the underlying interest rate on Fixed Deposit. Nomination facility is available. Free transfer of deposit between branches is available. Automatic renewals on maturity.

Tax advantage deposit

Tenor based Rate of Interest Higher interest can be earned on longer period of deposits. Premature withdrawal is allowed at a nominal penalty of 1% on the applicable rate. Option to place deposits in multiples of Rs.1000 as units under Vysunits , enabling withdrawal as per need, in multiples of Rs.1000. Option to draw interest by way of DD / PO / Credit to own SB account with ING Vysya Bank, Monthly (at a discount) or Quarterly, as per choice. Loans upto 95% of the deposit would be available at 2% above the underlying interest rate on Fixed Deposit. Nomination facility is available. Free transfer of deposit between branches is available. Automatic renewals on maturity. Active deposit 1. By opting for ING Active Deposit we will link your term deposits to your Savings or Current Account (specified accounts) that will enable you to withdraw money/use funds whenever you want. Balance in SB and in linked TDs (90%) would be computed as available balance for you to withdraw. The money so used would be treated as pre-closure. You can withdraw the available balance in the following ways

2. 3. 5.

23

From ATM Transfer funds to another account through mibank(Intenet Banking) Use funds at Point of Sale (POS) Withdraw money from the branch 4. The service/feature/facility is provided FREE.

TDS on Interest on Term Deposits 1. Tax at source is deducted as per the Income-Tax regulations prevalent from time to time. 2. Interest on Cumulative Deposit is exempt from the purview of TDS. 3. If you are eligible and wish to avail TDS exemption, submit Form 15 G / H duly mentioning thereon your PAN details, without which it would be invalid. 4. TDS at applicable rate OR 20% whichever is higher is deducted where PAN is not registered with Bank. 5. TDS will be deducted on the interest paid or accrued or likely to accrue during a financial year. 6. Interest earned on term deposits with all our Branches in India is aggregated to arrive at TDS eligibility. 7. PAN is a pre-requisite for opening term deposits of =>Rs.50,000 in aggregate. 8. Prevailing TDS rate for Individuals / Firms / Domestic Company is 10%, where Interest paid or occurred or likely to be paid for the year exceed Rs 10,000."

Demat Account:

With practically all trading being conducted electronically, most settlements happen through Demat (Dematerialisation of securities). The ING Demat Account offers you a secure and convenient way to keep track of your shares and investments, how much you've bought and sold over a period of time, without the hassle of handling physical documents that get mutilated or lost in transit

Features & Benefits

As opposed to the earlier form of dealing in physical certificates with delays in transaction, trading through Demat has the following benefits. Settlement of securities traded on the exchange as well as off market transactions. Shorter settlements thereby enhancing liquidity. Pledging and Hypothecation of Dematerialized Securities. Electronic credit in public issue. Receipt of non-cash benefits in electronic form. No stamp duties on transfer of securities held in demat form.
24

 No concept of Market Lots. Change of name, address, dividend mandate, registration of power of attorney, transmission etc. can be effected across companies held in demat form by a single instruction to the DP. Account Operation: On processing your Account opening Form: You will receive a welcome kit including the Client Master List (CML) for your account and a personalized delivery instruction slip book. The CML will contain the following: Your Demat accounts number Name of the account holders Address and other details specific to your account Copy of agreement, Tariff Card, Delivery instruction book. If there is a debit or credit transaction in your Demat account

An entry will be made in your monthly transaction cum billing statement with the charges debited to your linked bank account. The debits of charges to your bank account will be reflected in the quarterly statement of your bank account, if you have given a standing instruction for collection of bills from your SB account.

If you have submitted a requested for change in your address, nomination details, bank details etc.

For the bank to accept changes and have the same reflected in the Client master list, you must furnish a letter detailing the additional requirements with necessary documentation. Wealth Management Services We start with a thorough understanding of your objectives, to develop a personalized investment plan that summarizes your current situation, long-term and short-term goals, risk tolerance and the appropriate asset allocation. This unique approach includes: Creating proper asset allocation,according to risk profile Selecting best-performing investment products Regular monitoring of investment portfolios Rebalancing investments and recommending changes when required Periodic review and statements Our strong research capabilities, both domestic and international, disseminate information periodically via newsletters. INGs Wealth Management Services are also backed by a strong technological platform, that facilitates full control over your investment portfolio, including online transacting and viewing of portfolio, providing full freedom to access investment portfolios anywhere, anytime.

Key feature
Distinct Financial Planning * Identifies your financial goals and risk appetite
25

* Understands your future cash flows * Develops a path to achieve your financial goals considering your risk appetite Monitors and review your portfolio periodically Easy Online access to your household portfolio Online subscription and redemption of mutual funds No cheque/ no separate application forms to be filled Access to the exclusive market/fund updates

ING Fortuna Trade

Trade seamlessly with ING Fortuna trade, an integrated platform that easily connects your Trading, Demat and Savings account. ING Fortuna Trade gives you seamless integration through a single platform. What's more, you pay for only the services you select, to make it a customized trading solution.

Convenience of a single click with our 3-in-1 platform. Savings with tailor made trading packages to suit your needs. Flexibility of dual trading support through online platform and the centralized dealing desk. SMS stock alerts and research reports. Access to review your transactions anytime. 24x7 support with our dedicated service desk. Dealing facility on BSE, NSE, NCDX, MCX & MCX-SX. Systematic Investment Plan

Equity markets tend to be volatile in the short term, but have the potential to generate higher returns in the long term. Averaging out the cost of purchase, systematic investments inculcate the healthy habit of regular investing, making your money work harder with the power of compounding. It is never too early to start investing .In fact, the earlier you start, and the more the magic of compounding will work for you. Small regular investments will amount to a substantial corpus. To illustrate the power of starting early.

26

E.g. 1: If you start investing a fixed amount regularly at the age of 25, your investments would grow 3.2 times by the time you are 45, at a 10% rate of interest. E.g. 2: If you start investing a fixed amount regularly at the age of 35, your investments would grow 1.7 times by the time you are 45, at a 10% rate of interest. Starting at Rs.1000, SIP's ensure small investments go a long way in wealth accumulation. Now you can set up an automatic, monthly, SIP from the comfort of your home, with our online Wealth Management Service. We welcome you to the world of easy investments with ING.
Life Insurance Products

ING Life Insurance aims to make customers look at life insurance afresh, not just as a tax saving device but as a means to live life to the fullest. It believes in enhancing the very quality of life, in addition to safeguarding an individual's security. The Company follows a customer centric approach while designing its products.The ING Life product portfolio offers products that cater to every financial requirement,at all life stages. Go ahead and pick your requirement to find life insurance plans that best match your needs. General Insurance Family Floater Health Insurance Secure your family against financial emergencies during sudden illness, surgery and accidents with Family Floater Health Insurance Travel Insurance Individual Overseas Travel Insurance is a comprehensive policy that covers medical and financial emergencies that might arise when travelling abroad. Home Insurance Home Insurance Policy that covers the structure and/or contents of your home against unforeseen events.

Car Insurance Get triple protection of Own Damage, Personal Accident and Third Party Liability cover, all in one policy.

27

nvestment Products Mutual Funds As a distributor of Mutual Funds, we are tied up with almost all the Asset Management Companies thereby assisting our clients to invest in mutual fund schemes, which meet with their investment requirements. Life Insurance ING is actively engaged in selling ING Life Insurance products. ING Life Insurance provides a range of products including endowment, pension & unit linked plans. More details on ING Life Insurance products are available at the link www.inglife.co.in Government of India and tax savings bonds Our clients can invest through us in 8% Government of India bonds as well as in tax savings bonds like REC, NHAI and NHB.
nvestment Products

Mutual Funds
As a distributor of Mutual Funds, we are tied up with almost all the Asset Management Companies thereby assisting our clients to invest in mutual fund schemes, which meet with their investment requirements.

Life Insurance
ING is actively engaged in selling ING Life Insurance products. ING Life Insurance provides a range of products including endowment, pension & unit linked plans. More details on ING Life Insurance products are available at the link www.inglife.co.in

Government of India and tax savings bonds

Our clients can invest through us in 8% Government of India bonds as well as in tax savings bonds like REC, NHAI and NHB.

Unlock the power of investments! ING presents Loan Against Securities so that you can enjoy the benefit of your securities without compromising on liquidity. Whats more, pay interest only on the loan you use, for the time you use it! Get loan against an exhaustive list of shares and mutual funds , with easy documentation and attractive interest rates. With ING LAS, Jiyo Easy!
28

features

No EMIs ; No post-dated cheques. You pay Interest only on utilized amount Simple and speedy processing Exhaustive number of approved securities Up to 85% loans against debt securities. Up to 50 % loans against equity.
Term loan facility also available against a limited list of securities Eligibility

LAS available for individuals as well as non-individuals Age of the individual applicant should be 21 or above Individual applicant should be a resident of India Loans currently available against approved Demat shares and Mutual fund schemes The securities should be in the name of borrower or guarantor of the loan
CARDS The ING Gold Credit Card brings you a great combination of features & rewards.
No Annual Fee* 0% fuel surcharge at Indian Oil Petrol Bunks* Earn double the reward points on every Rs.150/- spent on weekends* 1 Reward Point for every Rs.150/- spent on weekdays
29

Double the reward points for international spends

Swipe your ING Debit Card Twice & Take Off!

1,500 flight tickets* to be won To win, here's what you need to do:
Swipe your ING Debit Card at least twice for Rs.500 each during the contest period. There will be 3 fortnightly contests 16th to 31st March, 1st to 15th April and 16th to 30th April. The top 500 spenders each fortnight (among the qualifiers) will win a domestic flight ticket (Instant discount on the base fare upto Rs.1000). Overall 1500 tickets to be won and you can win upto 3 domestic flight tickets (1 ticket per fortnight). This flight ticket will have to be booked at following airlines: GoAir or SpiceJet or Indigo.
V EASY BANKING
Your 'easy' & 'friendly' Bank

for the

With ING Easy Banking 'you' can carry out all your banking transactions in a simple, quick, secure, convenient and even in an efficient manner from wherever or whenever you want to Bank.

Your bank is now available 24/7 round the year. You can choose where, when, and how you bank. Make payments conveniently and promptly with Demand Drafts, Pay Orders, and Payable at Par cheques, Telegraphic Transfers and the RTGS scheme. Also take advantage of services like Standing Instructions and Utility Bill Payments and forget the days of standing in long queues to pay your bills! The Cheque Collection Policy of ING Vysya Bank is a reflection of our on-going efforts to provide the best in class service to our customers and set high standards for performance. The policy is based on principles of transparency and fairness in the treatment of customers.

30

Internet banking
mi-b@nk Features

Accounts View Balance Summary Search Transaction View Account Statement

Utility Bills Pay Bills Register Biller Track Bill Payment

Bank Request Request for Cheque Book Request for DD / PO Request for Bank Statement Request for Stop Payment of Cheque Request for Stop payment of FT Request for Account Transfer

Loan EMI Calculator Request for Loan View Loan Details

Credit Card Registration / online payment Track Payment

Settings Change Passwords Update Mobile No. and E-mail ( New) View Personal Details

Deposits Request for Deposit Deposit Calculator View Deposit Details

Alerts Set Account level Alerts Set Utility Bill Alerts

Funds Transfer

Mail Box View Mail In Box View Mail Out Box Compose Mail

Manage Beneficiary Track Fund Transfer Transfer with in your accounts in ING Vysya To Third party account in ING Vysya To Other Banks( NEFT) Mobile banking
Current Functionalities

1. Access your account

Balance and transaction details

Request for statement through post/e-statement

31

Request for Demand Draft

2. Get more information

Know more about our Branch & ATM locations and timings

Know more about our Home Loans, Car Loans, Loan against property (commercial and residential)

3. Emergency services

Hotlist your ING Debit Card

Request new PINs

Re-issue of your ING Debit Card

Unblocking of PINs

4. Request for services

Internet Banking

Request for Fixed Deposit

Investment & Insurance

32

Replacement PIN

Mobile Banking

Upgrade of your account

ING Credit Card

Request for new cheque book Atm Claims

Zing Account Processing

Stop Payment

5. Complaints/Feedback

Register complaints and follow till resolution

Queries on your Loan and Demat account

*With the easy to use ING Mobile Banking service, you are always in control of your money. You can pay bills, transfer funds and much more - wherever you are, whenever you want! Whats more, a 6 digit password with end to end encryption makes it virtually tamper proof. All you need is to enable GPRS service on your mobile, and you are ready to start!
Pay utility bills Transfer funds to other accounts Locate ATM and Branches near you View mini statement

33

Request Cheque Book Stop payment of Cheque And many more easy features...

SMS Banking

For banking next, just text. No matter where you are, banking is now an SMS away!

Now you can check your balance, get mini statements, request for cheque book and much more using your mobile phone, anytime anywhere. With SMS banking, theres no more walking to the bank, as the bank is in your hands. SELF BANKING
Self Bank is today the most convenient form of banking. A revolutionary concept introduced by ING, the option to Self Bank is now available to all ING customers. At a Self Bank, avail the facility of an ATM and a Self Service kiosk for non-cash transactions. All this without the hassle of a crowd, timings and distance. Self Bank today. Enjoy the convenience. Self Bank - The Super Efficient Facilities Balance enquiry Walk in. Press balance statement. Now, that's all you need to do to get information about your existing balance.

Statement view and print For a printed copy, press print and get an A4 size statement for up to a month. Immediately.

Cheque book request Requesting for a new cheque book is now hassle-free. Just place an order at the Self Bank. That's it.

Pin change Easily change your pin number on your debit or ATM card.

DD request Send a request for a DD for any amount to any city. Any time. Any day.

Stop payment

Make stop payment on a cheque or any other transaction. Utility bill payment You can pay all your utility bills like mobile and electricity through the Self Bank. Account to account transfer Easily make money transactions from your ING account to any other ING account. It's that easy.

34

Pre-paid mobile top-ups Require mobile currency? Just recharge at the Self Bank
ATM Network

ING currently has 430 ATMs across the country. All ING ATMs accept cards with the following logos:

PAYMENT SYSTEM
Make payments conveniently and promptly with Demand Drafts, Pay Orders, and Payable at Par cheques, Telegraphic Transfers and the RTGS scheme. Also take advantage of services like Standing Instructions and Utility Bill Payments and forget about standing in line to pay bills again!

RTGS - Real Time Gross Settlement

Features:

Wider day time window for collections / payments Cuts across Inter Bank and Clearing House settlement Issues You can receive / transfer funds from any of our Branches This facility is available for account holders only. Advantages: Enjoy intra day credit / liquidity. Reduced operational risk of fraud and loss of cheque.

reached safely and was duly realized. e to enjoy the kind of "float" he did by giving an outstation cheque. will be surprised to know RTGS Charges are lesser than DD/PO Commission.
NEFT - National Electronic Funds Transfer:

Facilitates ultimate online, integrated payment and settlement system primarily for small value payments at nominal cost You can avail this facility through all our Branches You can transfer / receive funds from one bank (branch) to other bank (branch) over 40,000 bank branches across the country. NEFT enabled
35

branches can be accessed by clicking on this link http://www.rbi.org.in/scripts/neft.aspx To access Customer Facilitation Centre (CFC) of Member banks for resolution of complaints related to NEFT Transaction, please log on to "http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=2070 and get details
Features:

Charges for NEFT payments are nominal when you are availing NEFT facility through our Branch. You can avail this facility through our Mi@bank internet Online Funds transfer facility for transferring funds from you're account free of charges Wider day time window for collections / payments Cuts across Inter Bank and Clearing House settlement Issues You can receive / transfer funds from any of our Branches CUSTOMERS NOT MAINTAINING ACCOUNT WITH OUR BANK can avail this facility up to Rs.50,000/- from any of our Brancheso CREDIT CARD PAYMENTS can be made through NEFT from any of our Brancheso NEPALESE CITIZENS can now send money home easily through NEFT - either as a walk-in customer OR as an account holder up to Rs.50,000/-

Advantages:

fraud and loss of cheque

and was duly realized. outstation cheque bank. chargeso NEFT charges are very nominal i.e. flat Rs.50/- + service tax
Electronic Clearing Service (ECS)

About Electronic Clearing Service (ECS)

ECS is an electronic clearing system that facilitates paperless credit / debit transaction directly linked to yo 36

for a faster method of effecting periodic and repetitive payments. ECS uses the services of clearing house. This mode of remittance is normally used for Bulk transfers from accounts or vice versa. This can be used both for making payments like distribution of dividend, Interest, Salary, Pension, etc. by of amounts for the purposes such as payments to utility companies like telephone, electricity, water char financial institutions / banks or regular investments of persons. Features: There are two types of ECS called ECS (Credit) or ECS (Debit).

ECS (Credit) is used for affording credit to large number of beneficiaries by raising a single debit to an acc Interest, salary payments. ECS (Debit) is used for raising debits to a number of accounts of consumers / account holders for creditin telephone / electricity utilities. Advantages:

ECS Credits - Advantages to the ultimate beneficiary: The end beneficiary need not make frequent visits to his bank for depositing the physical paper instrumen Customers need not run the risk of loss of instrument and fraudulent encashment. The delay in realization of proceeds after receipt of paper instrument is avoided. Trouble free - Eliminates the need to go to the collection centers /banks by the customers and no need to last dates. Peace of mind - customers also need not track down cheque dates to avoid stale instruments. The ECS users would monitor the debits in their accounts.

The advantages of ECS Debit to customers are many and include, ECS Debit mandates will take care of automatic debit to customer accounts on the due dates without custom branches. Customers need not keep track of due date for payments. The debits to customer accounts would be monitored by the ECS Users. Cost effective. Bill Pay

You are on a holiday and today is the last day to pay your electricity bill. Or you are travelling abroad and yo renewal. What will you do? With ING Bill Pay service, you can pay your bills anytime anywhere!

To register your Bills for ING Bill Pay, you can either log onto ING Internet banking (Mi-B@nk) or ING Mobile your bill, you can view your bill and pay it online. No need to stand in long queues, just do it from the conve Go Green! Whats more, every time you pay your bills online, you save the environment. With ING Bill pay, you can: 1. Know your bill details even on the move 2. Track payments 3. Go green!

37

To know more or to regenerate your Internet Banking PIN or Mobile Banking PIN, please call Phone banking 9900 any time from your landline or mobile. Pay Credit Card Bills In a hurry to pay your Credit Card bills! Now pay instantly anytime anywhere. To pay your ING Credit Card bills, select the 'Credit Card' tab inside Net Banking, add your card and pay

To pay your bills for other Credit Cards, all you need is your Credit Card number and your Net Banking pa steps below to pay your bills. 1. 2. 3. 4. Login to Net Banking Go to 'Funds Transfer' option Click on 'Add beneficiary' link and add your credit card as a beneficiary. To get the details for your Credit Just select your beneficiary and pay

E-Statement Opt for the e-statement today and receive your monthly account statements by email. E-statements are not only fast and convenient but also a secure way to keep track of your account. With e-statement you can easily access your previous account statements anytime from your mailbox. Register for e-statement and join our initiative to save the environment.

To register for e-statement, please leave your contact information below and well get in touch with you. Customer Request Form (CRF) A large basket of services are offered by the bank through its Alternate Delivery Channels. While the new customers are automatically enrolled for the services, such of those customers who have not opted for these services at the time of account opening can do so and request for these services by using the CRF. Also, the CRF can be used for other requirements like: 1.Change / Update Address 2.Cheque Book Request 3.Account Statement 4.Stop Payment 5.Product Type Change 6.Account Activation 7.Addition / Deletion of name 8.Standing Instruction 9.Card/PIN issuance 10.Transfer of Account Listening and taking action It has been our constant endeavor to make banking easier, and what better way to learn than to listen to our customers. To help with this process, we have undertaken to take up a simple survey . In order for us to continually improve our offering, we would like to understand in more detail which areas of improvement you feel we need to address. Your feedback is an integral part of helping us to improve. Your views really matter to us and our senior management team reviews the overall customer results and tracks progress against goals on a periodic basis to ensure we are focused on delivering a superior customer experience. 38

Frequently asked questions How long is the survey? The survey is designed to require just a few minutes of your time. We have focused on a small number of key questions which will provide us with sufficient feedback to take action. Who is invited to participate? We are inviting a select group of customers to participate in the survey to provide feedback on their experience with us to date. How often will I be surveyed? We have implemented business rules to protect our customers from being over-surveyed. No individual will be invited to take part in more than 2 surveys per year. Will I be contacted after I submit the survey? We are using this survey as an important listening tool with our customers. As part of this process you may be contacted to provide additional insight and help us improve and define the right course of action going forward. What data integrity and privacy provisions are in place? To ensure integrity of our results, we have partnered with Satmetrix Systems, a 3rd party global provider, to support our Customer Feedback program and conduct the surveys on our behalf. Your contact information is protected under both the ING and Satmetrix Systems privacy policies. Interest Rates on Savings, Domestic & NRO Term Deposits

A. Savings Bank Account Interest Rates with effect from 04.05.2011 4.0% p.a (Interest on Savings Bank Accounts will be calculated on the daily balances maintained in the Account)

B. Domestic and NRO Term Deposits Interest rates (%) per annum with effect from 15.03.2012 Interest rates (%) per annum with effect from 15.03.2012 Deposits from 15 lakhs, Deposits less than 15 lakhs upto Rs 1 crore 4.00 % 4.00 % 5.00 % 5.50 % 8.65 % 8.70 % 9.00 % 9.75 % 9.75 % 9.50 % 39 5.00 % 5.50 % 8.65 % 8.70 % 9.00 % 10.00 % 9.75 % 9.50 %

Period

7 days to 15 days 16 days to 30 days 31 days to 60 days 61 days to 91 days 92 days to 364 days 365 days 366 days 367 days to 500 days 501 days to 1095 days

1096 days to 10 years

9.00 %

9.00 %

C. Differential interest rates on domestic term deposits of Senior Citizens(subject to a maximum o Interest rates (%) per annum with effect from 15.03.2012 9.50 % 10.25 % 10.25 % 10.00 % 9.50 %

Period 365 days 366 days 367 days to 500 days 501 days to 1095 days 1096 days to 10 years Interest Rates on NRE Deposits

Notes: The deposit rates for NRE deposits will change from the first of every month. Since the cap on NRE rates h Reserve Bank of India, no request for offering differential rates would be entertained. Interest rates are subject to change from time to time. To ensure you are seeing the latest updated page, we request you to clear your browser cache. Applicable interest rates will be given as on the date of receipt of the funds by the bank. NRE term deposits will be renewed automatically from the date of maturity as per the original tenor and a on the date of maturity.

A. NRE Savings Bank Account Interest Rates with effect from 04.05.2011 4.0% p.a (Interest on Savings Bank Accounts will be calculated on the daily balances maintained

B. NRE Term Deposits (w.e.f. 31.12.2011)

PERIOD 365 days 366 days 367 days to 500 days 1096 to 5 years

Upto Rs.15 lakhs Rs.15 lakhs to less (Rs/Crs) than Rs.100 lakhs(Rs/Crs) 8.50% 9.00% 9.00% 8.50% 8.75% 9.50% 9.50% 9.25% 9.00%

501 days to 1095 days 8.75%

40

Savings Bank Accounts -Orange Savings, Advantage Salary, Orange Salary,Aspira, Solo,Freedom,Zi

Notification: Transactions at non-ING ATMs for Savings Account holders

Product Details Orange Savings Account Advantage Salary Account Orange Salary Account Aspira Solo (stand - alone option)

Minimum Balance Requirement *Rs.10,000*/Rs.5,000 *Rs. 10,000 QAB requirement for Delhi *Quarterly Average NCR, Mumbai, Zero Zero Balance (QAB) Bangalore, Chennai, Zero Requirement Hyderabad, Kolkata, Ahmedabad, Chandigarh, Pune, Vizag, Ludhiana, Surat & Jaipur Service Charges for Non-Maintenance of Quarterly Average Balance (QAB) Quarterly service charges for Non Rs.750/Zero NA NA maintenance of QAB General Charges Statement of Accounts QAB maintained- free quarterly QAB not maintained free yearly Free Monthly** FreeQuarterly Free Monthly** free quarterly Free Monthly** Daily Rs.750/- p.a Weekly Rs.400/- pa Fortnightly Rs.200/- p.a (Plus postage charge Rs.5/- by mail Rs.10/by courier,per statement ,if free quarterly Free-Annual Free Free Monthly** Monthly** Daily Rs.750/- p.a Weekly Rs.400/- pa Fortnightly Rs.200/- p.a (Plus postage charge Rs.5/by mail Rs.10/- by courier,per statement ,if not collected in person) Daily Rs.750/- p.a Weekly Rs.400/- pa Fortnightly Rs.200/- p.a (Plus postage charge Rs.5/- by mail Rs.10/by courier,per statement ,if

Minimum Balance Rs.500/-

Rs.150/-

Additional statement of accounts

Daily Rs.750/- p.a Weekly Daily - Rs.750/- p.a Rs.400/- pa Weekly Rs.400/- pa Fortnightly - Rs.200/- Fortnightly Rs.200/- p.a p.a (Plus postage charge (Plus Rs.5/- by mail Rs.10/- postage charge by courier,per Rs.5/- by statement ,if not mail Rs.10/collected in person) by courier,per statement ,if

41

not collected not collected in person) in person) Issue of Duplicate Rs.50/- per request /Adhoc statements Cheque book issues ATM usage INGVYSYA Bank ATMs Free Free Free-5 Transactions (Financial & NonFinancial) per month. Above 5 transactions: a)Rs.8.50/(excluding service tax) for nonfinancial transaction. b) Rs.20/(including service tax) for financial transaction. Free Free-5 Transactions (Financial & NonFinancial) per month. Above 5 transactions: a)Rs.8.50/(excluding service tax) for nonfinancial transaction. b) Rs.20/(including service tax) for financial transaction. Free Free-5 Transactions (Financial & NonFinancial) per month. Above 5 transactions: a)Rs.8.50/(excluding service tax) for nonfinancial transaction. b) Rs.20/(including service tax) for financial transaction. USD 2.50 per withdrawal & enquiry Free PAP Cheques - Free Rs.50/- per request Rs.50/- per request Rs.50/- per request PAP Cheques Free

not collected in person) Rs.50/- per request Free PAP Cheques : Rs.2.00 per cheque leaf.

Free PAP PAP Cheques Cheques : Free Rs.2.00 per cheque leaf.

Free Free-5 Transactions (Financial & NonFinancial) per month. Above 5 transactions: a)Rs.8.50/(excluding service tax) for nonfinancial transaction. b) Rs.20/(including service tax) for financial transaction.

*Other Bank ATM' s 5

Free.

International Cirrus ATMs

USD 2.50 per withdrawal & enquiry

USD 2.50 USD 2.50 per per withdrawal & withdrawal & enquiry enquiry

USD 2.50 per withdrawal & enquiry

Charges for regeneration of Debit Rs.50/Rs.50/Rs.50/Rs.50/Card PIN sent through Courier International Debit Card Annual maintenance, renewal and Reissue charges Issue : Free First Year : First Year : Free First Year : Free Renewal Fee : Rs Annual Free Renewal Renewal Fee 200 /- per annum* maintenance, Fee :No : No charge renewal and Renewal charge Reissue charges Reissue: Rs. 200/Fee :No Reissue: Rs. Reissue: Rs. per request 150/- per 150/- per 42

Rs.50/-

First Year : Free Renewal Fee : Rs 150 /- per annum inclusive of

charge Reissue: Rs. 150/- per request 6 Standing Instructions 1. Transfer from one account to another account within profile network(Intercity)

request

request

all taxes Reissue: Rs. 150/- per request

Set Up - Free Execution - Free

Set Up Free Execution Free Set up Rs.100/AmendmentRs.25/ExecutionRs.25/- per execution + Remittance charges (Applicable beyond free limit) +Postage

Set Up Free Execution Free Set up Rs.100/AmendmentRs.25/ExecutionRs.25/- per execution + Remittance charges (Applicable beyond free limit) +Postage

Set Up Free Execution Free Set up Rs.100/AmendmentRs.25/ExecutionRs.25/- per execution + Remittance charges (Applicable beyond free limit) +Postage

Set Up Free Execution Free

2. External payments

Set up - Rs.100/Amendment-Rs.25/Execution-Rs.25/per execution + Remittance charges(Applicable beyond free limit) +Postage

Set up Rs.100/AmendmentRs.25/ExecutionRs.25/- per execution + Remittance charges +Postage

3. Standing Instructions-NRI Customers NRO/NRE SB accounts Set up and execution of each instruction ( for external payments ) on behalf of all NRI customers-No charges Closure of Accounts (Within 1 year of opening) (Charges to be collected at the time of closure of account) Branch Transaction Charges

NRI Account Free

Not Applicable

Not Applicable

Not Applicable

Not Applicable

Rs.500/-

Rs.500/-

Rs.500/-

Rs.500/-

Rs.500/-

Free

Free

Free

Free

Financial transaction at the branch will

43

be charged at Rs.50/per transaction Stop payment of cheque/ECS Rs.100 per cheque/ECS & Rs.200 per Series Rs.100per Rs.100per Rs.100per cheque/ECS cheque/ECS cheque/ECS & Rs.200 & Rs.200 & Rs.200 per per Series per Series Series Rs 10/- per month (charged quarterly) Rs 10/- per month (charged quarterly) Rs.100per cheque/ECS & Rs.200 per Series Rs 10/- per month (charged quarterly)

10

SMS Alerts

Rs 10/- per month (charged quarterly)

Free

Remittances

A.Demand Draft / Pay Order

Two free D.D's up to a value of Rs. 50,000/- per calender year where QAB is maintained. Where QAB is not maintained, all D.D's are charged

Monthly 2 DD/PO upto NA Rs. 25,000/free

5 Free DDs upto a value of NA Rs.1,00,000/per month.

Up to Rs.50,000/Rs.2.50 per Rs.1000/Up to Rs.50,000/min Rs.50; Rs.2.50 per Rs.50,001/Rs.1000/- min Rs.50; to Rs. 2 Rs.50,001/- to Rs. 2 lakhs lakhs Rs.2.00 per Rs.2.00 per B. DD / PO Rs.1000/- min Rs.1000/Issuance charges Rs.125; Beyond Rs.2 min lakhs Rs.1.00 per Rs.125; Rs.1000/- min Beyond Rs.2 Rs.400/- (Max lakhs Rs.6000/-) Rs.1.00 per Rs.1000/min Rs.400/(Max Rs.6000/-) Free & Charges for PAP cheque payments - Free & unlimited unlimited Intercity Clearing 44

Up to Rs.50,000/Rs.2.50 per Rs.1000/min Rs.50; Rs.50,001/to Rs. 2 lakhs Rs.2.00 per Rs.1000/min Rs.125; Beyond Rs.2 lakhs Rs.1.00 per Rs.1000/min Rs.400/(Max Rs.6000/-) Free & unlimited

Up to Rs.50,000/Rs.2.50 per Rs.1000/min Rs.50; Rs.50,001/to Rs. 2 lakhs Rs.2.00 per Rs.1000/min Rs.125; Beyond Rs.2 lakhs Rs.1.00 per Rs.1000/min Rs.400/(Max Rs.6000/-) Free & unlimited

Up to Rs.50,000/Rs.2.50 per Rs.1000/min Rs.50; Rs.50,001/to Rs. 2 lakhs Rs.2.00 per Rs.1000/min Rs.125; Beyond Rs.2 lakhs Rs.1.00 per Rs.1000/min Rs.400/(Max Rs.6000/-) NA

2 Free transactions per month free upto value limit of AAA Cash Deposits Rs.50,000/-. Free limit not available for third party AAA cash deposit

2 Free transactions per month free upto value limit of Rs.50,000/-. Free limit not available for third party AAA cash deposit (Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000Above Rs.25,000/to Rs.50,000: Rs. 3/- per Rs.1000/Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit)

2 Free transactions per month free upto value limit of Rs.50,000/-. Free limit not available for third party AAA cash deposit. (Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000Above Rs.25,000/to Rs.50,000: Rs. 3/- per Rs.1000/Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit) Charged at Rs.5/- per Rs.1000/with a minimum of Rs.50/- per transaction Above Rs 2 lakh to Rs 5 lakh- Rs 25/per transaction Above Rs 5

5 Free transactions per month free upto value limit of Not Rs.50,000/-. Applicable Free limit not available for third party AAA cash deposit. (Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000Above Rs.25,000/to Rs.50,000: Rs. 3/- per Rs.1000/Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit) Charged at Rs.5/- per Rs.1000/with a minimum of Rs.50/- per transaction Above Rs 2 lakh to Rs 5 lakh- Rs 25/per transaction Above Rs 5

(b) Charges beyond free limits

(Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000-Above Rs.25,000/- to Rs.50,000: Rs. 3/per Rs.1000/Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit)

(Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000Above Rs.25,000/to Rs.50,000: Rs. 3/- per Rs.1000/Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit) Charged at Rs.5/- per Rs.1000/with a minimum of Rs.50/- per transaction Above Rs 2 lakh to Rs 5 lakh- Rs 25/per transaction Above Rs 5

(c) All Third Party Deposits with prescribed letter from account holder

Charged at Rs.5/- per Charged at Rs.5/- per Rs.1000/Rs.1000/- with a with a minimum of Rs.50/minimum of per transaction Rs.50/- per transaction Above Rs 2 lakh to Rs 5 lakh- Rs 25/per transaction Above Rs 5 lakh- Rs 50/- per transaction Above Rs 2 lakh to Rs 5 lakh- Rs 25/per transaction Above Rs 5

Charges for RTGS (Inward : free for all products)

45

Upto Rs 1 lakh- Rs 5/- per transaction Charges for NEFT Above Rs 1 lakh to (Inward & Outward, Rs 2 lakh- Rs 15/Inward: free for all per transaction products) Above Rs 2 lakh- Rs 25/- per transaction

lakh- Rs 50/per transaction Upto Rs 1 lakh- Rs 5/per transaction Above Rs 1 lakh to Rs 2 lakh- Rs 15/per transaction Above Rs 2 lakh- Rs 25/per transaction Free

lakh- Rs 50/per transaction Upto Rs 1 lakh- Rs 5/per transaction Above Rs 1 lakh to Rs 2 lakh- Rs 15/per transaction Above Rs 2 lakh- Rs 25/per transaction Free

lakh- Rs 50/per transaction Upto Rs 1 lakh- Rs 5/per transaction Above Rs 1 lakh to Rs 2 lakh- Rs 15/per transaction Above Rs 2 lakh- Rs 25/per transaction) Free

lakh- Rs 50/per transaction Upto Rs 1 lakh- Rs 5/per transaction Above Rs 1 lakh to Rs 2 lakh- Rs 15/per transaction Above Rs 2 lakh- Rs 25/per transaction Free

Transfer of funds within ING Vysya Bank branches Cheque Collection 6 1.OUTWARD (a) Local clearing and outstation cheques drawn on ING Vysya Bank locations

Free

Free

Free

Free

Free

Free

(b) Collection of outstation cheques - Non ING Vysya Bank locations

Upto and including Rs 5,000/- - Rs. 25/-, Above Rs 5,000/and up to Rs 10,000/- Rs. 50/-, Above Rs 10,000/- and up to Rs 1,00,000/- - Rs. 100/, Above Rs 1,00,000/- -Rs. 150 /-

Upto and including Rs 5,000/- - Rs. 25/-, Above Rs 5,000/and up to Rs 10,000/- Rs. 50/-, Above Rs 10,000/- and up to Rs 1,00,000/- Rs. 100/-, Above Rs 1,00,000/- Rs. 150 /-

Upto and including Rs 5,000/- - Rs. 25/-, Above Rs 5,000/and up to Rs 10,000/- Rs. 50/-, Above Rs 10,000/- and up to Rs 1,00,000/- Rs. 100/-, Above Rs 1,00,000/- Rs. 150 /-

Upto and including Rs 5,000/- - Rs. 25/-, Above Rs 5,000/and up to Rs 10,000/- Rs. 50/-, Above Rs 10,000/- and up to Rs 1,00,000/- Rs. 100/-, Above Rs 1,00,000/- Rs. 150 /-

Upto and including Rs 5,000/- - Rs. 25/-, Above Rs 5,000/and up to Rs 10,000/- Rs. 50/-, Above Rs 10,000/- and up to Rs 1,00,000/- Rs. 100/-, Above Rs 1,00,000/- Rs. 150 /-

(c) NRI Accounts

Upto and including Rs 5,000/- - Rs. 25/-, NA Above Rs 5,000/and up to Rs 10,000/46

NA

NA

NA

- Rs. 50/-, Above Rs 10,000/- and up to Rs 1,00,000/- - Rs. 100/, Above Rs 1,00,000/- -Rs. 150 /2.INWARD (a) Cheques received from other Free banks for payment (LBCs)-Local (b) Cheques received from other Free banks for payment (LBCs)-Outstation Cheque return charges per instrument Cheques deposited by customers and Rs.50/- + other bank 1 returned unpaid charges + postage outstation(Returned to us) Cheques deposited by customers and Rs.100/- per 2 returned unpaid instrument local(Returned to us) Cheque issued by customers and Rs.300/- per cheque returned by us for Insufficient Funds. including ECS 3 mandate and Post dated cheques including IVBL cheques Special Services Balance confirmation(One 1 Rs.50/free per financial year) Signature 2 Rs. 25 per attestation verification Free Free Free Free

Free

Free

Free

Free

Rs.50/- + other bank charges + postage

Rs.50/- + other bank charges

Rs.50/- + other bank charges + postage

Rs.50/- + other bank charges

Rs.100/-per instrument

Rs.100/-per instrument

Rs.100/-per instrument

Rs.100/-per instrument

Rs.300/- per cheque for Insufficient Funds.

Rs.300/- per cheque for Insufficient Funds.

Rs.300/- per cheque for Insufficient Funds.

Rs.300/- per cheque for Insufficient Funds.

Rs.50/-

Rs.50/Rs. 25 per attestation

Rs.50/Rs. 25 per attestation

Rs.50/Rs. 25 per attestation

No due certificate

Rs.25/- per certificate.

Rs.25/- per certificate.

Rs.25/- per certificate.

Rs.25/- per certificate.

Rs.25/- per certificate.

Old record Enquiry

Rs.100 for Rs.100 for each each enquiry enquiry more than more than one year old from the one year old 47

Rs.100 for each enquiry more than one year old

Rs.100 for each enquiry more than one year old

Rs.100 for each enquiry more than one year old

date of request

from the date of request

from the date of request

from the date from the of request date of request

Charges for changes in the operational Free instructions or noting change in the signature/name ECS Mandate Verification Charges for Direct Debit Returns

Free

Free

Free

Free

Rs.50/Rs.200/- per debit return

Rs.50/-

Rs.50/-

Rs.50/-

Rs.50/Rs.200/- per debit return

Rs.200/- per Rs.200/- per Rs.200/- per debit return debit return debit return

*QAB - Quarterly Average Balance is sum of end of the day balance during the quarter divided by no

*Service charges indicated above excludes applicable service tax, subject to change from time to tim

*Bank reserves the right to change or discontinue some of the facilities.

*Free facilities are available only against maintenance of quarterly average balance.

*Customer depositing cash of Rs.25,000/- and above under "Anywhere Banking" should produce let from the account holder.

**Available at base branch location for customer-in-person or as e-statement

**Statements can be made available at base branch location for customer-in-person or as e-statemen

**Statements by email (Zing Savings Account ) Savings Bank Accounts - General Savings Bank Variants and Saral

Details

Product General SB - Ru General SB Variant - General SB Variant (including PSB, (at Metro & Urban (Semi Urban Advantage SB a Branches) Branches) Save & Secure) 48

Minimum Balance Requirement *Quarterly Average Balance (QAB) Rs.5000/Rs.2500/Requirement Service Charges for Non-Maintenance of Quarterly Average Balance (QAB) Quarterly service charges for Non maintenance of Rs.500/Rs.300/QAB General Charges Free Quarterly Free-Annual Statement of Accounts 1 Free Monthly** Free Monthly** Daily - Rs.750/- p.a Weekly Rs.400/- pa Fortnightly - Rs.200/p.a (Plus postage charge Rs.5/- by mail Rs.10/by courier,per statement ,if not collected in person) Rs.50/- per request Daily - Rs.750/- p.a Weekly Rs.400/- pa Fortnightly - Rs.200/p.a (Plus postage charge Rs.5/- by mail Rs.10/by courier,per statement ,if not collected in person)

Rs.1000/-

Rs.150/-

Free Annual Free Monthly**

Additional statement of accounts

Daily - Rs.750/Weekly Rs.400/Fortnightly - Rs.2 p.a (Plus postage ch Rs.5/- by mail R by courier,per statement ,if not collected in pers

Issue of Duplicate /Adhoc statements

Rs.50/- per statement Rs.50/- per state One free chequebook will be issued to all customers per financial year. Additional cheque book will be charged at Rs. 50/- per cheque book of 25 leaves PAP Cheques:Rs.2.00 per cheque leaf. Free Free-5 Transactions (Financial & NonFinancial) per month. Above 5 transactions: a)Rs.8.50/- (excluding service tax) for nonfinancial transaction. b)Rs.20/- (including service tax) for financial transaction. USD 2.50 per withdrawal & enquiry First Year : Free

Cheque book issues

Free PAP Cheques:Rs.2.00 per cheque leaf

One free cheque will be issued to customers per financial year. Additional chequ book will be cha at Rs. 50/- per cheque book of leaves PAP Cheques:Rs.2.0 cheque leaf. Free

ATM usage INGVYSYA Bank ATMs Free Free-5 Transactions (Financial & NonFinancial) per month. Above 5 transactions: a)Rs.8.50/- (excluding service tax) for nonfinancial transaction. b)Rs.20/- (including service tax) for financial transaction.

*Other Bank ATMs

Free-5 Transact (Financial & Non Financial) per m Above 5 transactions: a)Rs.8.50/- (excl service tax) for n financial transac b)Rs.20/- (includ service tax) for financial transac

USD 2.50 per withdrawal & enquiry Issue of International Debit First Year : Free International Cirrus ATMs 49

USD 2.50 per withdrawal & enq First Year : Free

Card and Annual maintenance charges

Renewal Fee : Rs 150 /- per annum Reissue: Rs. 150/per request

Renewal Fee : Rs 150 /- per annum Reissue: Rs. 150/per request

Renewal Fee : R 150 /- per annum Reissue: Rs. 150 per request

Charges for re-generation of Debit Card PIN sent through Courier Standing Instructions

Rs.50/-

Rs.50/-

Rs.50/-

1. Transfer from one account to another account Set Up - Free within profile Execution - Free network(Intercity) Set up - Rs.100/Amendment-Rs.25/Execution-Rs.25/- per 2. External payments execution + Remittance charges + Postage 3. Standing InstructionsNRI Customers NRO/NRE SB accounts. Set up and execution of each Not Applicable instruction ( for external payments ) on behalf of all NRI customers-No charges Closure of Accounts (Within 1 year of opening) (Charges to be Rs.500/collected at the time of closure of account) Branch Transaction Charges

Set Up - Free Execution - Free Set up - Rs.100/Amendment-Rs.25/Execution-Rs.25/- per execution + Remittance charges + Postage

Set Up - Free Execution - Free

Set up - Rs.100/ Amendment-Rs. Execution-Rs.25 execution + Remittance char Postage

Not Applicable

NRI Accounts fre

Rs.500/-

Rs.500/-

Rs 100/-

9 10 Remittances 1

Stop payment of cheque/ECS SMS Alerts A.Demand Draft / Pay Order B. DD / PO Issuance charges

Rs.100 per cheque/ECS & Rs.200 per Series Rs 10/- per month (charged quarterly) NA Up to Rs.50,000/Rs.2.50 per Rs.1000/min Rs.50; Rs.50,001/- to Rs. 2 lakhs Rs.2.00 per 50

Free - 6 txns a month. Beyond 6 txns a month charged at Rs.20/- per transaction. Rs.100 per cheque/ECS & Rs.200 per Series Rs 10/- per month (charged quarterly) NA Up to Rs.50,000/Rs.2.50 per Rs.1000/min Rs.50; Rs.50,001/- to Rs. 2 lakhs Rs.2.00 per

Free - 6 txns a m Beyond 6 txns a month charged a Rs.20/- per transaction. Rs.100 per cheque/ECS & Rs.200 per Serie Rs 10/- per mon (charged quarter NA

Up to Rs.50,000 Rs.2.50 per Rs.1 min Rs.50; Rs.50,001/- to R lakhs Rs.2.00 pe

Rs.1000/- min Rs.125; Beyond Rs.2 lakhs Rs.1.00 per Rs.1000/- min Rs.400/- (Max Rs.6000/2 3 Charges for PAP cheque payments - Intercity Clearing AAA (inter city) Cash Deposits NA Not Applicable (Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000-Above Rs.25,000/- to Rs.50,000: Rs. 3/- per Rs.1000/-

Rs.1000/- min Rs.125; Beyond Rs.2 lakhs Rs.1.00 per Rs.1000/- min Rs.400/- (Max Rs.6000/NA Not Applicable (Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000-Above Rs.25,000/- to Rs.50,000: Rs. 3/- per Rs.1000/Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit) Charged at Rs.5/- per Rs.1000/- with a minimum of Rs.50/per transaction Up to Rs.5 lakhs, Rs.25/- per transaction & Rs.5 lakhs and above Rs.50/- per transaction Up to Rs.1 lakh, Rs.5/- per transaction & Rs.1 lakh & above, Rs.25/- per transaction(Free if transacted through mi-b@nk, Internet Banking) Free

Rs.1000/- min

Rs.125; Beyond lakhs Rs.1.00 pe Rs.1000/- min Rs.400/- (Max Rs.6000/NA Not Applicable

(b) Charges beyond free limits

(Upto & inclusive Rs.25,000 : Rs.2 Rs.1000-Above Rs.25,000/- to Rs.50,000: Rs. 3 Rs.1000/-

Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit) Charged at Rs.5/- per (c) All Third Party Deposits Rs.1000/- with a with prescribed letter from minimum of Rs.50/account holder per transaction Up to Rs.5 lakhs, Rs.25/- per Charges for RTGS (Inward transaction & Rs.5 : free for all products) lakhs and above Rs.50/- per transaction Up to Rs.1 lakh, Rs.5/- per transaction & Rs.1 lakh & above, Charges for NEFT (Inward Rs.25/- per & Outward, Inward: free for transaction(Free if all products) transacted through mi-b@nk, Internet Banking) Transfer of funds within ING Vysya Bank branches Cheque Collection 1.OUTWARD (a) Local clearing and outstation cheques drawn on ING Vysya Bank locations (b) Collection of outstation Free Free

Rs.50,000 & abo Rs.5/- per Rs.10 (Minimum charg Rs.50/- per depo Charged at Rs.5 Rs.1000/- with a minimum of Rs.5 per transaction Up to Rs.5 lakhs Rs.25/- per transaction & Rs lakhs and above Rs.50/- per transaction

Up to Rs.1 lakh, Rs.5/- per transa & Rs.1 lakh & ab Rs.25/- per transaction(Free transacted throu mi-b@nk, Intern Banking) Free

6 5

Free

Free

Upto and including Rs Upto and including Rs Upto and includi 51

cheques - Non ING Vysya Bank locations

5,000/- - Rs. 25/-, Above Rs 5,000/- and up to Rs 10,000/- Rs. 50/-, Above Rs 10,000/- and up to Rs 1,00,000/- - Rs. 100/-, Above Rs 1,00,000/- Rs. 150 /-

5,000/- - Rs. 25/-, Above Rs 5,000/- and up to Rs 10,000/- Rs. 50/-, Above Rs 10,000/- and up to Rs 1,00,000/- - Rs. 100/-, Above Rs 1,00,000/- Rs. 150 /-

5,000/- - Rs. 25/ Above Rs 5,000 up to Rs 10,000/ Rs. 50/-, Above 10,000/- and up 1,00,000/- - Rs. Above Rs 1,00,0 Rs. 150 /-

(c) NRI Accounts

Upto and including Rs 5,000/- - Rs. 25/-, Above Rs 5,000/- and up to Rs 10,000/- Rs. 50/-, Above Rs NA 10,000/- and up to Rs 1,00,000/- - Rs. 100/-, Above Rs 1,00,000/- Rs. 150 /-

NA

2.INWARD (a) Cheques received from other banks for payment (LBCs)-Local (b) Cheques received from other banks for payment (LBCs)-Outstation Cheque return charges per instrument Cheques deposited by customers and returned 1 unpaid outstation(Returned to us) Cheques deposited by customers and returned 2 unpaid - local(Returned to us) Cheque issued by customers and returned by 3 us including ECS mandate and Post dated cheques including IVBL cheques Special Services Balance confirmation(One 1 free per financial year) 2 Signature verification Free Free Free

Free

Free

Free

Rs.50+other bank charges+postage

Rs.50+other bank charges+postage

Rs.50+other ban charges+postag

Rs.100/- per instrument Rs.300/- per cheque for Insufficient Funds.No charges for any other reason."

Rs.100/- per instrument Rs.300/- per cheque for Insufficient Funds.No charges for any other reason."

Rs.100/-per instrument

Rs.300/- per che for Insufficient Funds.No charg any other reason

Rs.50/Rs. 25 per attestation Rs.25/- per certificate. No charges for Govt sponsored schemes Rs.100 for each enquiry more than one year old from the 52

Rs.50/Rs. 25 per attestation Rs.25/- per certificate. No charges for Govt sponsored schemes Rs.100 for each enquiry more than one year old from the

Rs.50/-

Rs. 25 per attest

No due certificate

Old record Enquiry

Rs.25/- per certificate. No charges for G sponsored schem Rs.100 for each enquiry more tha one year old from

date of request 5 6 7 Charges for changes in the operational instructions or Free noting change in the signature/name ECS Mandate Verification Charges for Direct Debit Returns Rs.50/Rs.200/- per debit return

date of request Free Rs.50/Rs.200/- per debit return

date of request Free

Rs.50/Rs.200/- per deb return

Platina Current Account

Notification: Revised Schedule of charges with effect from 01st April 2012 Please note that the cash deposit charges will be revised effective 21st April 2011 Revised Charges

PRODUCT Sl No Details Platina Minimum Balance Requirement *Quarterly Average Balance (QAB) Requirement to maintain status 2 Rs.5,00,000

Non-Maintenance Of Quarterly Average Balance First 3 months (one quarter) if QAB < than required First 6 months (two quarters) if QAB < required After 6 months if QAB < required Continuous 2 quarters of QAB < required (does not include 1st quarter after opening of account)

No charge; Platina Status Retain

Rs.4500 p.q. (after 1st quarter); P Retained Rs.4500 per quarter

Platina Downgraded to Orange C

3 Where QAB is maintained Where QAB is not maintained

Statement Of Accounts Free Monthly Free Monthly

53

Additional Satement Of Accounts (Collection From Branch) Daily Weekly Fortnightly Issue of Duplicate /Adhoc statements Cheque book issues 4 QAB maintained - ING ATM's QAB maintained - Other Bank ATM's QAB not maintained - Other Bank - Cash Transactions International ATM's - Withdrawal International ATM's - Enquiry Issue of International Debit Card Annual Maintenance Charges for Debit Card Issue of Duplicate Debit Card Issue of Entitlement Card for Account Representative 5 SMS Alerts 6 Demand Draft NEFT / RTGS - Through Branch NEFT / RTGS - Internet Banking Drawn on Another Bank (1000 non-ING locations) Rs.3000/- p.a Rs.500/- p.a Rs.250/- p.a Rs.50/- per request

500 cheque leaves free p.m., pos ATM Usage Free Free Free USD 2.50 USD 2.50 Free Free Rs.150 Rs.150 SMS Alerts Free Remittances

Free upto 1Cr per day, after whic Free Free

Free upto 25L per month, after w

54

Charges for PAP cheque payments - Intercity Clearing 7 Cash Delivery Cash Pickup Check Pickup 8 Cash Withdrawal - Home City Cash Withdrawal - ATM Cash Withdrawal - AAA (Self) Cash Withdrawal - AAA (Third Party) Cash Deposit - Home City (Self and third party)

Free & unlimited

Doorstep Banking

Rs. 150 for upto 2L ; above that R

Rs. 150 for upto 2L ; above that R Free once a day Cash Transactions Free & unlimited Free upto 1L per day Free & unlimited

Free upto 75L per month ; beyon Rs.2/1000

Cash Deposit - AAA (Self)

Free upto 10L or 10 transactions than 1L per day)

Beyond that charge of Rs.2/1000

Cash Deposit - AAA (Third Party) 9 9.a

Rs. 5/1000 (s.t. min Rs. 50) ; Max one transaction Cheque Collection Charges

Local clearing and at all AAA (networked branches) locations Local Clearing Outstation cheque drawn on AAA location Free Free

9.b

Outstation - non networked branches / non ING Vysya Bank locations Upto Rs.10000 Greater Rs.10000 upto Rs.100000 Rs.50 Rs.100

55

Greater than Rs.100000 Stop Payment of cheque/ECS 10

Rs. 150

Rs.100 per cheque/ECS & Rs.20 Cheque Return Charges Per Instrument

Cheques deposited by customers and returned unpaid Rs.50/- + other bank charges + p outstation(Returned to us) Cheques deposited by customers and returned unpaid Rs.100/- per instrument local(Returned to us) Cheque issued by customers and returned by us including Nil for technical reason ECS mandate and Post dated cheques including IVBL cheques 11 Balance confirmation Signature verification EEFC account No due certificate Special Services Rs. 15/Rs. 25 per attestation Free Rs.25/- per certificate.

No charges for Govt sponsored s

Old record Enquiry Charges for changes in the operational instructions or noting change in the signature/name Fx check collection FIRC Closure of Account ECS Mandate Verification Charges for Direct Debit Returns DEMAT ACCOUNT

Rs.100 for each enquiry more tha the date of request Free 0.25% (min of Rs.50) Free

In first year, Rs.1000 ; after that n Rs.50/Rs.200/- per debit return

Schedule-A DP Charges (with effect from Feb 01, 2009) For Beneficial Owners (Individuals & Corporate)

56

Sl. No. 1 2 Account opening Charges

ITEM Nil For Individual Accounts.

CHARGES

Annual Membership Fee (AMF) Payable in advance and non refundable. Chargeable every year on all accounts as at the close of March. of March.

Revised AMF for Individual Accounts:

1] Rs.300/- PA [For clients receiving s plus recovery of DP charges through S account.]

2] Rs.350/- PA [For clients opted recov Standing Instruction to IVBL account.]

3] Rs.1000/- PA [For clients neither op e-mail nor recovery through IVBL acco For Corporate Accounts Revised AMF for Individual Accounts:

1] Rs.500/- PA (For clients receiving s plus recovery of DP charges through S account.

2] Rs.600/- PA [For clients opted recov Standing Instruction to IVBL account.]

3] Rs.2500/- PA [For clients neither op e-mail nor recovery through IVBL acco

April 09 onwards: Opened in the 1 hal year AMF. Opened in the 2 half year AMF. 3 Market & Off-Market Transactions : Buying Nil Selling (including Inter Depository):

0.04% of Market Value with a minimum subject to maximum of Rs.5000/- per t charges in force for Individual Account

4 5

Demat Charges Remat Charges

0.04% of Market Value with a minimum subject to maximum of Rs.10000/- per charges in force for Corporate Accoun Rs.4/- per certificate (Re.3/- in case nu 500 per request) and mailing charges Rs.50/- per certificate and mailing cha plus NSDL charges in force. 57

Pledge Charges : Creation

0.04% of Market Value with a minimum subject to a maximum of Rs.5000/- plu Individual Accounts

Closure & Invocation

Securities Lending & Borrowing Lending Borrowing Additional Statement / bill over and above monthly / quarterly statement Late Transaction Fee (for market trades submitted on the Pay-in date of the settlement) Service Charges for non-payment of bills within due date.

0.04% of Market Value with a minimum subject to a maximum of Rs.10000/- p charges in force for Corporate Accoun Rs.50/- per transaction.

Rs.50/- per transaction plus NSDL cha 8 9 10 11 12 13 Rs.5/- per page (Minimum of Rs.35/-) Rs.100/- per transaction. 18% p.a. with monthly rests.

Renewal charges for resuming the depository operations in Rs.150/- per account. case of suspended DP accounts for non-payment of dues Cheque bouncing charges Rs.200/- per transaction. Additional DI Book charges

Rs.10/- for 10 leaves plus Rs.25/- Cou forwarded through courier.

NOTE:1. Government levies/Taxes chargeable extra as per applicable rates 2. Market Value for the purpose of transaction charges as per NSDL. 3.Any service that is not indicated above will be charged separately as per the rates applicable from time to 4. ING Vysya Bank reserves the right to revise the Schedule of charges from time to time with a notice of 3 given by ordinary post or by an advertisement in a national daily. 5. If the demat a/c is closed during the year no prorata refund of AMF will be made. NSDL Charges Sl. No. 1 2 3 4 5 ITEM Market, Off-Market, Inter Depository Debit Transactions Custody Charges Remat Charges Pledge Charges (Only Creation) Securities Lending & Borrowing (Only Borrowing) CHARGES Rs.5/- per transaction. (From 01.01.2008) Re.1/- per ISIN per quarter on unlisted securities

Rs.10/- for every hundred securities or part there per certificate; whichever is higher. Rs.25/- per transaction. Rs.25/- per transaction.

DD PO TT CHARGES Sl. No. DETAILS Slabs

Applicable

58

Issue of DD / PO / TT By debit to customer account or cash deposit by customer Note

Up to Rs. 10,000 Rs. 10,001/- to Rs.50000/-

Rs. 50/- flat

Rs. 2.50 per Rs.1000/- or part minimum of Rs. 50

Rs.50001/- to Rs.2.00 Rs. 2/- per Rs.1000/- or part t lacs minimum of Rs. 125/ Beyond Rs.2.00 lacs 2 Issue of DD / PO / TT For noncustomers against cash deposit not exceeding Rs. 50,000/Issue of DD / PO / TT for non customers against deposit of clearing cheques (DD/PO/TT will be issued only after availability of clear funds) Up to Rs. 10,000

Rs. 1/- per Rs.1000/- or part t minimum of Rs. 400/ &max Rs. Rs. 100/- flat

Above Rs. 10,000 but Rs. 200/- flat less than Rs.50,000 Up to Rs. 10,000/ Rs. 100/- flat

4 5 6

Cancellation of DD / PO Issue of duplicate DD / PO Revalidation of DD / PO

Above Rs. 10,000/- to Rs. 2.50/- per thousand or pa Rs.50,000/Rs. 100/ Rs. 2/- per Rs.1000/- o minimum of Rs. 125/ Rs.50001/- to Rs.2.00 lacs Rs. 2/- per Rs.1000/- or part t minimum of Rs. 125/ Beyond Rs.2.00 lacs Rs. 1/- per Rs.1000/- or part t minimum of Rs. 400/- & max R Any Amount Rs. 50/- for each Cancellation Any Amount Any Amount Rs. 50/- for each Instrument

Rs.0.25 percent, Min Rs. 50/- fo

NOTE:a) Issue of DD against cash should not exceed Rs.50,000/b) Above charges are applicable for DDs issued on correspondent banks. c) As a policy, branches should not encourage issue of DD / PO / TT etc. against deposit TERM DEPOSIT ACCOUNTS Details Deposit receipts accepted for collection Slab

Applicable Ch Within our branches With other banks

No char Only oth

Deposit Receipts received for payment

From our own branches From other Banks locally From other Banks outstation

No char 50% of Pay Ord out of p 50% of DDs/TT out of p

59

Acceptance of installments towards Cumulative Deposits Payment of interest on Term Deposits

Any branch

No char

Sent to our branches Other Banks/customers involving local / outstation remittance accounts opened up to 30.9.2002 Other Banks / customers involving local/outstation remittance accounts opened after 30.9.2002

No Cha No Cha Commis DDs/TT out of p

Remittance of interest on Term Deposits with our Bank by way of PO / DD for all NRI Customers.

No Cha

Remittance of maturity proceeds of deposits through DD / PO when presented by the depositor

No Cha

60