COSMOS BANK

HISTORY
Established in 1906, The Cosmos Co-operative Bank Ltd (Cosmos Bank ) is one of the oldest urban
co-operative banks in the country, reputed for its quality services. Today, the Cosmos Bank is one
of the leading Multi-state Scheduled Co-operative banks.

The bank has carved a niche in the urban banking sector with its rich heritage, integrity, adherence
to the prudent banking practices, technology savvy customer services.

Has attained multi-faceted growth not only in terms of financial indicators / standards but also in
overall expansion of activities.

Setup – Financial & Geographical :

Financial setup of the bank as on 20 October 2009 was Rs. 10946.36 crs, comprising of
Deposits of Rs.6943.01 crs and Advances Rs. 4003.35 Crs
Cosmos Bank operates through 96 branches and 8 Extension Counters in India spread
across 5 States and in 22 Major Cities, which are as follows:
• Maharashtra: Mumbai, Pune, Nagpur, Aurangabad, Nashik, Baramati, Jalna, Kolhapur, Nipani,
Satara, Phaltan.

• Madhya Pradesh: Indore.

• Andhra Pradesh: Hyderabad

• Karnataka: Bangalore. Belgaum

• Gujarat: Surat, Ahmedabad, Baroda, Ankaleshwar, Naroda, Rajkot. Bhuj

Products And Services

• E-Payments
• Anywhere Banking
• General Insurances
• Life Insurance Business
• MSEB Bill Payment Facility
 • Cosmo Quick Pay
• Safe Deposit Vaults (Lockers)
• Mutual Fund Services
• Charges
• Visa Debit Card Issuance Service
• Pan Card Service

 E- Payment
About e-payment:

We are making payments of various types of taxes on behalf of our customers to the Government though
the on-line payment system linked with HDFC Bank Ltd/ IDBI Bank Ltd/ at our Head Office.

Types of taxes covered.

A: Direct Taxes
1. Various TDS payments
2. Advance tax payments of Income-tax and FBT
3. Self-Assessment or Regular assessment taxes- Income -tax & FBT

B: Indirect Taxes(E-Payment Will be Implemented Shortly)

1. Service-Tax Payments
2. Excise Duty Payments

 Anywhere Banking
• This system has facilitated Any-where Banking facility through all our Branches and Extension
Counters.

• This system has enabled us to launch host of customer friendly services, such as..

- ATMs : Installation of ATMs at each of our branches/ extension counters, Offsite

locations is in process, out of which 74 onsite ATMs have already been commissioned.

- Multi-city cheque book facility : This facility has helped many of our
corporate/commercial clients in their business. Multi-city cheques are often known as ‘at
par' cheques payable at all branches of the bank, within the framework of the clearing
norms.

- Instant Funds Transfer : This helps many of our customers to transfer their business/
personal funds instantaneously to any of our branches.
- Electronic Clearing Services : Periodic payments such as monthly/quarterly interest on
fixed deposits, dividend on our shares etc. can now be instantaneously credited to the
beneficiaries account at any of our branches or at any other bank-branch.

-NEFT( National Electronic Funds Transfer): To facilitate transfer of funds from any
bank branch to any other bank branch participating in NEFT. Presently we are providing
this facility with nominal chares for Outward NEFT transaction and free of cost for
 Inward NEFT transaction.

NEFT - Contact Details of customer Facilitation Centres

-e-PAYMENT OF TAXES: In this facility our customers can pay their Direct Taxes(
started from 11/08/2008) and Indirect taxes ( will begin from 25/8/2008) debiting their
account through our Bank.

Also providing following facilities shortly:

Tie up with IDBI Bank for issuance of Demand Drafts: This facility will be helpful for issuing
demand drafts on approximately 500 centers of IDBI Bank. In this facility we can issue the
demand drafts to the customer having special demand for Nationalized Banks demand drafts for
payment of custom etc.
NECS( National Electronic Clearing System): In this system the ECS file will be uploaded
centralized at MRO. Initially only the credit transactions will be uploaded. The settlement cycle
for the same is one day only.

 General Insurances
Reserve Bank Of India has permitted us to engage in General Insurance business as a corporate
agent.
• We have tied up with Bajaj Allianz General Insurance Company Ltd. for offering its policies to
our customers.
• These General Insurance products are available at all of our branches.

 Life Insurance Business

We have entered into a referral arrangement with M/s Bajaj Allianz Life Insurance
Company Ltd for selling life insurance policies to our customers.
These life insurance products are available at our all branches.

 MSEB Bill Payment Facility

• Customers from Pune region can pay their electricity bill by way of electronic debits to their
Accounts with us.

• This service is offered free of cost to our customers.

 Cosmo Quick Pay

We have launched Cosmo Quick Pay facility at all our Pune, Mumbai and Ahmedabad branches
in collaboration with India Ideas.Com ( Bill Desk). Various Bill Payment viz. Electricity,
Telephone, Mobile, Credit Card, Insurance, Taxes, ISP, Gas, Depository, Charity, Donation etc.
are done free of cost.

 Safe Deposit Vaults (Lockers)

Safe deposit vaults (Lockers) are available at all the branches and also at some of the extension
counters.
Safe Deposit Vaults (Lockers) of varied sizes are available at following Branches / Extension Counters:
LIST OF BRANCHES WHERE LOCKER FACILITY AVAILABLE

BRANCHES WITHIN MAHARASHTRA BRANCHES OUT OF MAHRASHTRA

SR NO PUNE BASED BRANCHES SR NO ANDHRA PRADESH
1 Ajmera 1 KING KOTI RD,HYDERABAD
2 Chinchwad 2 AMEERPET,HYDERABAD
3 Nigdi 3 M.G. Rd. Secunderabad
4 KOEL 4 S.P. Rd. Secunderabad
5 Koregaon Park
6 Pimpri AHMEDABAD
7 Aundh- Sanewadi 1 Ashram Road
8 Aundhgaon 2 Bapu Nagar
9 Deccan Gymkhana 3 Mani Nagar
10 Ganeshnagar 4 Naroda Ind. Estate
11 Gokhalenagar 5 Nava Vadaj
12 Kothrud 6 Odhav
13 Pashan 7 Raipur
14 Paud Road 8 Rajkot
15 Vitthalwadi 9 Sattalite
16 Warje 10 University
17 Dhankawadi
18 Hadapsar
19 Kasba- Raviwar BARODA
20 Laxmi Road 1 Productivity Road
21 Parvati Darshan 2 Sama Road
22 Pune- Camp 3 Subhanpura
23 Pune Blind School 4 VIP Road
24 Alandi 5 Waghodia
 MUMBAI BASED BRANCHES
1 Dadar KARNATAKA
2 Vile-Parle 1 Bangalore
3 Bandra
4 Dombivali
5 Andheri MADYA PRADESH
6 Ghatkopar 1 Indore
7 Chembur

8 Vashi

9 Mulund

10 Boriwali

11 Kandivali

12 Malad

13 Thane

14 IMCS Ext.

. OTHER BRANHES WITHIN

MAHARASHTRA

1 Aurangabad

2 Jalna, Aurangabad

3 Baramati

4 Nagpur

5 Nashik

6 Pethe Vidyalaya-Nasik

7 CIDCO-Aurangabad

 Mutual Fund Services

Reap an attractive yield from your investment!

Today's smart investors are investing at least some part of their savings, in Mutual
Funds to beat the accelerating inflation rate by taking marginal risk.
Cosmos bank now brings Mutual Fund Services within your reach. You can enjoy New
Fund Offers as well as year-round purchasing of a wide array of MF products of
various renowned Asset Management Companies. You can choose any scheme to get
tax benefit / to get regular income / to accelerate your income, etc. as per your
requirements. Apart from this, you can also get prompt investment advice from our
AMFI qualified investment advisor, without any charge. With this help, you can make
educated decisions regarding MF investment.

MUTUAL FUND DISTRIBUTION

PRODUCTS OF ASSET MANAGEMENT COMPANY (AMCs) AVAILABLE WITH US

• UTI ASSET MANAGEMENT CO.
• TATA ASSET MANAGEMENT LTD.
• HDFC ASSET MANAGEMENT CO.
• KOTAK MAHINDRA ASSET MANAGEMENT CO.
• ICICI PRUDENTIAL ASSET MANAGEMENT CO.
• BIRLA SUNLIFE ASSET MANAGEMENT CO.
• ING ASSET MANAGEMENT CO.
• RELIANCE ASSET MANAGEMENT CO.
• PRINCIPAL PNB ASSET MANAGEMENT CO.
• DSP BLACKROCK MUTUAL FUND CO.
• SUNDARAM BNP PARIBAS ASSET MANAGEMENT CO.
• SBI ASSET MANAGEMENT CO.

Some Attractive Mutual Fund Schemes

Sr Scheme Name Return Description

 Di
Sin
Date v
20 ce
of La
07- Inc
Incep st
08 ept
tion Ye
ion
ar
UTI 24. Large Cap Fund
Jan 17.
1 LEADERSHIP Nil 01
2006 3%
EQUITY %
RELIANCE 10 27. Large Cap Fund
Oct 19.
2 VISION 0 97
1995 3%
% %
ICICI INFRA 48. Infra- Fund
Aug 70 55
3 40
2005 % %
%
KOTAK 30 12 25. Large Cap Fund
Dec 32.
4 0 99
1998 6%
% %
HDFC GROWTH 30. Large Cap Fund
Aug 40 35.
5 07
2000 % 5%
%
BIRLA 41. Large Cap Fund
Aug 40 27.
6 FRONTLINE 94
2002 % 2%
EQUITY %
SUNDARAM 45. Large Cap Fund
July 65 36.
7 SELECT FOCUS 33
2002 % 5%
%
PRINCIPAL 11. 39. ELSS Scheme
March 80
8 PERSONAL TAX 31 02
1996 %
SAVER % %
ING DOMASTIC 44. Mid Cap & Small Cap
Aug 30 21.
9 OPPORTUNITIE 63
2004 % 7%
S %
TATA PURE 26. 33. Large Cap
MAY 30
10 EQUITY FUND 49 07
1998 %
% %
DSP ML Flexi Cap
June 45 15 35
11 India TIGER
2004 % % %
Fund
SBI MAGNUM 20. 21. ELSS Scheme
12 TAX GAIN 1993 23 41
SCHEME % %
  Charges

Name of the Bank The Cosmos Co-operative Bank Ltd., Pune

Savings Bank A/c - No frills

A/c
Minimum Balance Zero
Charges for non maintenance NIL
thereof

Savings Bank Accounts

with Chequefacility
Minimum Balance Rs.1000/-
Charges for non maintenance Rs.15/- per quarter
thereof

Savings Bank Accounts

withoutCheque facility
Minimum Balance Rs.500/-
Charges for non maintenance Rs.15/- per quarter
thereof

Other savings bank account

facilities
Issue of Duplicate Statement Rs.10/- per page
Issue of loose chequeleaves Not applicable
Issue of DuplicatePass book Rs.25/-
Mode of calculation of A parameter is set in the system to
minimum balance
consider minimum balance

Remittance Facilities through

own bank
DD-Issue Not applicable
DD-Cancellation Not applicable
DD-Duplicate Not applicable
DD-Revalidation Not applicable
PO-Issue Rs.1/- to Rs.1000/- - Rs.10/-
Above Rs.1000/- - Rs.1.50 per thousand
Maximum Commission - Rs.2000/-
PO-Cancellation Rs.25/- per instrument
PO-Duplicate Rs.25/- per instrument
PO-Revalidation Rs.25/- per instrument
TT-Issue Not applicable
TT-Cancellation Not applicable
TT-Duplicae Not applicable
TT-Revalidation Not applicable
EFT Charges-inward Not applicable
EFT Charges-outward Not applicable
RTGS-Outward Rs. 1 to 5 lacs - Rs.25/- per Tran + S.Tax

Rs. 5.00 lacs & Above - Rs. 50/- per transaction + S.

Tax.
RTGS-Inward Free
Collection of Cheques(Home Nil
Clearing)

Remittance Facilities through

other bank
DD-Issue HDFC, ICICI.
Rs.1/- to Rs.1000/- - Rs.10/-
Rs.1001/- to Rs.5000/- - Rs.10/-
Rs.5001/- to Rs. 10000/- Rs.20/-
Above Rs. 10001/- Rs. 1.50 per thousand
Bank of Maharashtra -
Rs.1/- to Rs.2500/- - Rs.10/-
Above Rs.2500/- - Rs.2/- per thousand
Maximum Commission - Rs.3000/-
DD-Cancellation Rs.25/- per instrument
DD-Duplicate Rs.25/- per instrument
DD-Revalidation Rs.25/- per instrument
PO-Issue Not applicable
PO-Cancellation Not applicable
PO-Duplicate Not applicable
PO-Revalidation Not applicable
TT-Issue Not applicable
TT-Cancellation Not applicable
TT-Duplicate Not applicable
TT-Revalidation Not applicable
EFT Charges-inward Not applicable
EFT Charges-outward Not applicable
RTGS-Outward Not applicable
RTGS-Inward
Collection of cheques
Cheque Collection
Local
Outstation through own bank
Outstation through another
bank
Cheque return charges :
Bouncing of cheques-Local
Bouncing of cheques-
outstation-through own bank
Not applicable
Through HDFC Bank -
Charges as per other Bank OBC + Rs.15/-
or Rs.35/- as charged by HDFC Bank
NIL
Rs.1/- to Rs.500/- - NIL
Rs.501/- to Rs.10000/- - Rs.20/-
Rs.10001 to Rs.1 Lakh - Rs.2/- per thousand
Above Rs.1 Lakh Rs.2.50 per thousand
Maximum Rs.2500/-
Postage - NIL
Rs.1/- to Rs.500/- - 20/-
Rs.501/- to Rs.10000/- - Rs.2/- per thousand
Rs.10001 to Rs.1 Lakh - Rs.3/- per thousand
Above Rs.1 Lakh - Rs.3.50 per thousand
Maximum Rs.3500/-
Postage - Actual
Upto Rs.10000/- - Rs.100/-
Above Rs.10000/- - Rs.100/- + 1.50 per
thousand
Upto Rs.10000/- Rs.100/-
Above Rs.10000/- - Rs.100/- + 1.50 per
 thousand
Postage - Nil

Bouncing of cheques- Upto Rs.10000/- Rs.100/-

outstation-through
another bank Above Rs.10000/- - Rs.100/- + 1.50 per
thousand
Postage - Actual
Retail Loan
Loan Processing Charges Home loan Rs.1500/- per proposal
Emergency loan - Rs.15/- per proposal
Sabhasad Palya Rs.15/- per proposal
Gold Loan Rs.50/- per proposal
Surety loan Min.Rs.50/-,Upto Rs.50000/
Vehicle loan + Rs.50/- for each part of
(2 & 3 Wheeler) Rs.50000/-
Secured loan – Min Rs.50/- uptoRs.50,000/- +
Rs.50/- for each part of Rs.50,000/-

4 Wheeler Veh.Loan Min.Rs.100/- upto Rs. 1.00

lac + Rs. 50/- for each part of Rs. 50,000/-
Cash Credit + BD Rs.1 lac + Rs.50/- for
each part of Rs.5000
(Service tax extra)

Share O.D. - 0.1% of sanctioned limit

Prepayment Charges Flat 3% on O/s bal. On the date of closure

for Term Loan

No due Certificate
Solvency Certificate
Charges for late payment of
EMI
Charges for changing from
fixed to New Fix
of interest
Charges for changing from
float to fixed rates of
interest
Cards
ATM
Membership fee
Annual Fee
Renewal Charges
Late Payment Charges
Interest Charges
Cash Credit, B.D.
Project Finance
(Including advances to builder)
Nil
Re.1/- to Rs.50000/- - Rs.150/-
Rs.50001 to Rs.1 Lakh - Rs.200/-
Rs.100001 to Rs.5 Lakh - Rs.250/-
Rs.500001 to Rs.10 Lakh - Rs.500/-
Rs.1000001 to Rs.1 Cr - Rs.500/-
Above Rs.1 Cr - Rs.500/-
Nil
1% on Outstanding balance
1% on Outstanding balance
Nil
Nil
Nil
Not applicable
Not applicable
Replacement charges Rs.50/-
Transaction Charge for Rs.25/- + Rs.3/- Service charges per Trans.
Partner banks
Transaction Charge for Non- Not applicable
Partner banks

Credit Card Not applicable

Membership fee --"--
Annual fee --"--
Renewal Charges --"--
Late Payment Charges --"--
Interest Charges --"--
Replacement charges --"--
Cash withdrawal --"--

Debit Card Not applicable

Membership fee --"--
Annual Fee --"--
Renewal Charges --"--
Late Payment Charges --"--
Replacement charges --"--
Cash withdrawal --"--

Miscellaneous
Balance enquiry Nil
Balance Certificate Upto Rs.50000 Rs.150/-,
Rs.50001 to Rs.1 lakh - Rs.200/-
 Rs.100001 to Rs.5 lakh - Rs.250/-
Rs.500001 & above Rs.500/-
Interest Certificate Nil
Account closure Within 1 Yr. -
SB Rs.100/-
CA Rs.200/-
Daily A/c Rs.50/-
Recurring A/c Rs.50/-
Use of Fax/Telephone/Modem Nil
Photo attestation Nil
Signature attestation Rs.5/- per attestation
Stop Payment Charges Rs.5/- per instruction
Inoperative account Nil

 Visa Debit Card Issuance Service

Launching of the Visa Debit Card. Now Enjoy the Power of Debit Card.

Bank has introduced the Visa Debit Card for your convenience.
By choosing to use Cosmos Bank International Debit - Cum -ATM Card you have
entered in International Visa Network!
The Cosmos Bank International Debit-Cum-ATM Card gives you access to your
Cosmos Bank account “ Anytime and Anywhere” you want. It allows you to access your
money through withdrawal transactions at all Cosmos Bank’s ATM’s, NFS Members-
Bank ATM’s and VISA networked ATM’s in India and abroad as well as make purchase
at VISA Electron merchant establishment worldwide.
Using of this International Debit - Cum -ATM Card is too simple, just follow the customer
friendly screens and the ATM will carry out your order in seconds.

Features

All Savings / Current Account holders are eligible for our International Debit-Cum-ATM
Card provided, they have the mandate to operate the account singly or Either or
survivor.
Links up to three accounts on one Card.
Cash withdrawal at over 29000 ATM’s in India and through 1 million VISA Overseas
ATM’s also from approx. 31000 NFS – Bancs Member-Bank ATM’s in India.
ATM Cash withdrawal limit for Visa Gold Card is Rs.25000/- and for Visa Classic
Rs.15000/- per day and purchase per day without upper ceiling limit at merchant outlets
(POS).
Usage at Cosmos Bank ATM’s free of cost.

Usage at Merchant Outlets (POS)

Your International Debit-Cum-ATM Card can be used for shopping at any of the 4.5 lakh
VISA Electron merchant outlets in India and more than 26 million worldwide.

Validity
Your International Debit-Cum-ATM Card is issued for a period of 9 years initially.

 Pan Card Service

Dear Customers
Your Bank Has Started………
PAN CARD SERVICES
AS
AUTHORISED AGENT FOR PAN CARD SERVICE

Attractive Features :
• One page simple Application.
• Can apply for New Pan Card , also for Duplicate Pan Card or for Rectified
Pan Card.
• Photograph and Identification Documents Essential.
• Minumum charges are applicable.
• Pan Card Service available at our below mentioned branches.
• Laxmi Road, Parvati, Pune Camp, Chinchwad, Kothrud, Phaltan,
Belgaum,Satara, Kolhapur- Laxmipuri and Shahupuri.
• In near future Pan Card Service will be available at all branches in Pune,
Mumbai, Gujrat and Andhra Pradesh.