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

The Bank today is capitalized to the extent of Rs. 406.94 crores with the public holding (other than
promoters and GDRs) at 54.55%.

The Bank's Registered Office is at Ahmedabad and its Central Office is located at Mumbai. The Bank has a
very wide network of more than 1000 branches and Extension Counters (as on 31st May 2010). The Bank
has a network of over 4397 ATMs (as on 31st May 2010) providing 24 hrs a day banking convenience to its
customers. This is one of the largest ATM networks in the country.

The Bank has strengths in both retail and corporate banking and is committed to adopting the best industry
practices internationally in order to achieve excellence.

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Axis Bank Ltd. has been promoted by the largest and the best Financial Institution of the country, UTI. The
Bank was set up with a capital of Rs. 115 crore, with UTI contributing Rs. 100 crore, LIC - Rs. 7.5 crore
and GIC and its four subsidiaries contributing Rs. 1.5 crore each.

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Erstwhile Unit Trust of India was set up as a body corporate under the UTI Act, 1963, with a view to
encourage savings and investment. In December 2002, the UTI Act, 1963 was repealed with the passage of
Unit Trust of India (Transfer of Undertaking and Repeal) Act, 2002 by the Parliament, paving the way for
the bifurcation of UTI into 2 entities, UTI-I and UTI-II with effect from 1st February 2003. In accordance
with the Act, the Undertaking specified as UTI I has been transferred and vested in the Administrator of the
Specified Undertaking of the Unit Trust of India (SUUTI), who manages assured return schemes along with
6.75% US-64 Bonds, 6.60% ARS Bonds with a Unit Capital of over Rs. 14167.59 crores.

The Government of India has appointed Shri K. N. Prithviraj as the Administrator of the Specified
undertaking of UTI, to look after and administer the schemes under UTI - I, where Government has
continuing obligations and commitments to the investors, which it will uphold

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The members of the Board are :

[    Non-Executive Chairman

ÚÚ Ú Managing Director & CEO

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Deputy Managing Director

Ú  Director

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Director

Ú" #$% Director

Ú "&  Director

Ú Ú%''  Director


Ú (! ) # Director

Ú % * Director

Ú Ú"% Director

Ú ÚÚ% # Director


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uc To be the preferred financial solutions provider excelling in customer delivery through insight, empowered
employees and smart use of technologyc
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uc Customer Centricityc
uc Ethicsc
uc Transparencyc
uc Teamworkc
uc Ownershipc
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The objective of this policy is to establish a system whereby the Bank compensates the customer
for the financial loss the customer could incur due to deficiency in service on the part of the Bank or
any act of omission or commission directly attributable to the Bank.

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uc The policy is based on the principles of transparency and fairness in the treatment of customers.c
uc It is designed to compensate the customer only for the financial loss incurred by the customer
due to deficiency in the services offered by the Bank which can be measured directly and limited
to the compensation specified for the respective service as given below. c
uc The date of receipt of complaint/notice by the Bank would be taken as day 'zero' and the
timelines mentioned would be counted from the next working day onwards. c
uc The commitments under this policy are without prejudice to any right the Bank will have in
defending its position before any Court of Law, Tribunal or forum duly constituted to adjudicate
banker-customer disputes.c
uc The policy document covers the following aspects: c
a. Erroneous debiting of account
b. Debits towards service charges
c. Payment of cheques after acknowledgement of stop payment instructions
d. Payment of interest to customers for delayed collection of instruments
e. Handling of instruments lost in transit
f. Funds transfers using NEFT/RTGS
g. Foreign exchange services - Collection of cheques outside India denominated in Foreign
Currency
h. Failure to execute standing instructions
i. Reversal of erroneous debits arising on account of fraudulent transactions
j. Violation of the Code by banks agent
k. Transaction of 'at par instruments' of Cooperative Banks by Commercial Banks

·  % '   100 % 


•

uc If the Bank has raised an erroneous direct debit to an account, upon being informed of the
erroneous debit, the entry will be reversed after due verification. c
uc In the event the erroneous debit has resulted in a financial loss to the customer by way of
reduction in the minimum balance applicable for payment of interest on savings bank deposit or
payment of additional interest to the Bank in a loan account or any charges levied for balance
falling below the minimum balance requirement or any charges levied for return of cheques due
to shortfall in balance, the Bank will compensate the customer to the extent of direct financial
loss.c
uc The customer should approach the Bank within a maximum period of six months from the date
of the erroneous debit.c
In case verification of the entry reported to be erroneous by the customer does not involve a
third party, the Bank shall complete the process of verification within a maximum period of 7
working days from the date of reporting of erroneous debit.
uc In case verification involves a third party, the Bank shall complete the verification process within
a maximum period of one month from the date of reporting of erroneous transaction by the
customer.c
uc The Bank reserves its right to debit the account for reversing the amounts in case a wrong
credit is posted to a customer's account without payment of any compensation.c
uc In respect of credit card operations if a customer protests any charges / transaction done on
merchant establishment, the Bank would give him sufficient explanation and copy of charge slip,
if required, within 60 days, provided the dispute/protest is raised within 60 days of transaction
date and the required charges for locating the charge slip are paid. c

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uc The Bank would debit the customer's account with any applicable service charge as per the
schedule of charges notified by the Bank.c
uc In the event, the Bank levies any charges in violation of the arrangement, the Bank will reverse
the same when pointed out by the customer subject to verification of the agreed terms and
conditions. Any consequential financial loss by way of loss of savings bank interest on account of
reduction in the minimum balance applicable for payment of interest on savings bank deposit or
payment of additional interest to the Bank in a loan account or any charges levied for balance
falling below minimum balance requirement or any charges levied for return of cheques due to
shortfall in balance, will also be compensated to the customer. c
uc Mhere it is established that the Bank has issued an unsolicited credit card, the Bank would not
only reverse the charges immediately but also pay compensation without demur to the recipient
amounting to twice the value of charges reversed. Charges will include only those charges that
are levied to the customer only when no transactions have been done on the card and such
charges have been actually recovered from the customer.c
•

c
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In case a cheque has been paid after the Bank acknowledges stop payment instruction, the
transaction shall be reversed within 2 working days of the customer intimating the transaction to
the concerned branch. Interest, if eligible, will also be paid at the savings bank interest rate.

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uc In case of outstation cheques and other instruments sent for collection to centers within the
country, the following time schedule shall be adhered to for realization by branches:c
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1 Local Cheque - Same day Applicable to areas covered by High Value


High Value clearing. Clearing.
Applicable on the cc
days when High Both, Presenting Bank and Drawee Bank
Value Clearing is should be participants of high value clearing
made available. session.

2 Local Cheque - On settlement of For local cheques presented in clearing,


Non-High Value funds. credit will be afforded as on the date of
as well as settlement of funds in clearing and the
cheques not account holder will be allowed to withdraw
covered in Item funds once the return clearing cycle is
(1.) above. complete and clear credit is available in
customer account.

3 Outstation Seven working Morking days shall not include Bank


cheques drawn on days Holidays and days when clearinghouse is not
all state capitals operational. Morking days will be considered
at both the ends/centers.

4 Outstation Ten working days - do -


cheques drawn in
all major cities
(List of the major
cities appended)
5 Outstation Fourteen working Banks will have to depend on the
cheques drawn on days correspondent/drawee banks for this
all other purpose.
locations.

uc In case there is a delay in realization beyond the timelines mentioned above, The Bank will pay
interest to the customer on the amount of collection instruments. Such interest shall be paid
without any demand from customers in all types of accounts. There will be no distinction
between instruments drawn on the Bank's own branches or on other banks for the purpose of
payment of interest on delayed collection except for reasons which are beyond the control of the
Bank.c
uc Interest payments would be applicable only for instruments (drawn in INR) sent for collection
within India.c
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Cheque deposit in cc cc
operative and loan
accounts

1 Delay* upto Savings Bank Interest Rate


30 days

2 Delay beyond Fixed Deposit Interest Rate would be payable after


30 days the expiry of the 30 days mentioned above upto the
date of actual credit.
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The rate applicable would be the rate of interest
prevailing on the date of the deposit of cheque.
To view the list of major cities where oustation cheques can be drawn, please click here.

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uc The Bank would observe the following policy in case of cheques lost in transit: c
a. In the event a cheque or an instrument accepted for collection is lost in transit or in the
clearing process or at the paying Bank's branch, the Bank shall immediately on coming to know
of the loss, bring the same to the notice of the account holder so that the account holder can
inform the drawer to record stop payment and also take care that cheques, if any, issued by
him/her are not dishonoured due to non-credit of the amount of the lost cheques/instruments.
b. If the cheque/instrument has been lost at the paying bank's branch, the collecting branch will
have a right to recover the amount, including charges / interest expenses reimbursed to the
customer for the loss of the cheque/instrument from the paying banker.
c. The Bank would provide all assistance to the customer to obtain a duplicate instrument from
the drawer of the cheque. This would be applicable only to instruments drawn i n INR payable
within India.
d. The Bank will compensate the account holder in respect of instruments lost in transit as
follows and will recover it from the paying bank.
i. In case intimation regarding loss of instrument is conveyed to the customer after t he time
limit stipulated for collection (7/10/14 days as the case may be) interest will be paid for the
period exceeding the stipulated collection period at the rates specified above.
ii. In addition, the Bank will pay interest on the amount of the cheque for a period of 15 days at
savings bank rate to provide for likely further delay in obtaining duplicate cheque/instrument
and collection thereof.
iii. The Bank would also compensate the customer for any reasonable charges he/she incurs in
getting duplicate cheque/instrument upon production of receipt, in the event the instrument is
to be obtained from a bank/institution who would charge a fee for issue of duplicate instrument.

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The rate of compensation in case of delays in crediting the remittance proceeds received through
NEFT/RTGS beyond one day after receipt of the message at our gateway shall be at the prevailing
REPO rate.
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uc It is the Bank's experience that the time norms for collection of instruments drawn on banks in
foreign countries differ from country to country and even within a country, from place to place.
The time norms for return of instruments cleared provisionally also vary from country to
country. Therefore, no compensation shall be paid for any delay in collection of cheques
designated in foreign currencies and sent to foreign countries.c
uc The Bank will compensate the customer only for undue delays in affording credit once proceeds
are credited to the Nostro Account of the Bank with its correspondent with full particulars. The
compensation in such cases will be restricted to the extent of eligible Savings Bank Interest
Rate which shall be calculated for the period after taking into account the normal cooling period
stipulated (Cooling period is maximum 16 international working days from the value date of
credit in our Nostro Account with the Correspondent Bank).c
uc The foreign exchange rate on the date of credit in our Nostro Account shall be the basis for
calculation of interest irrespective of the rate prevailing on the date of claim / calculation /
settlement. c

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uc The Bank undertakes to carry out Direct Debits / ECS debits / standing instructions of customers
in time subject to the following: c
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1. Customer having already provided valid and complete mandate to accept any debit received
through ECS.
2. Customer having already submitted a mandate for standing instructions.
3. Direct debit/ ECS received is complete and correct.
4. Customer has sufficient balance in the account at the time of executing direct debits/
standing instructions/ ECS.
uc In case of failure to carry out the instructions subject to the aforesaid clauses and for reasons
directly attributable to the Bank, the Bank will compensate the customers on the following lines: c
uc For direct debits / ECS debits - The Bank shall compensate the customer at the savings bank
interest rate for the period between the due date of direct debit / ECS debit and the date of
actual debit carried out by the bank. The Bank shall also reimburse the Customer to the extent
of any penal interest, late payment charges levied by the debit/ ECS originating Bank, upon
producing evidence of the same.c
uc For standing instructions - The Bank shall compensate the customer to the extent of the
financial loss not exceeding Rs. 100 per occasion subject to providing proper supporting
documents for having incurred the loss. In addition, the service charges, if any, recovered for
execution of the Standing Instruction shall also be refunded.c

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uc In case of any fraud, if the Bank is convinced that an irregularity / fraud has been committed by
its staff towards any constituent it would acknowledge its liability and pay the just claim. c
uc In cases where the Bank is at fault, it shall compensate the customer without demur. c
uc In cases where neither the Bank nor the customer is at fault, but the fault lies elsewhere in the
system, the Bank would compensate the customer for an amount of 25% of the loss incurred by
the customer subject to an upper limit of Rs. 25,000/- subject to the customer providing proper
supporting document for having incurred the loss. c


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•

In the event of receipt of any complaint from the customer that the Bank's representative / courier
or DSA has engaged in any improper conduct or acted in violation of the Code of Bank's
Commitment to Customers, which the Bank has adopted voluntarily, the Bank will take appropriate
steps to investigate and to handle the complaint and to compensate the customer for financial
losses, subject to the customer providing proper supporting document for having incurred the loss.

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uc The Bank will not honour cheques drawn on current accounts maintained by other banks with it
unless arrangements are made for funding cheques issued.c
uc The Cooperative Bank from whose account the cheques have been issued would be responsible
to compensate the cheque holder for non-payment / delayed payment of cheques in the
absence of adequate funding arrangement.c

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•

uc The compensation shall be paid by replicating the effect obtained through back-valuation of the
affected transaction. c
uc The compensation as per this Policy is payable to a customer only in those cases where any act
of omission or commission is directly attributa ble to the Bank.c
uc No claim would be considered, under any circumstance, based on qualitative aspects like
reputation damages, loss of image in the society, loss of business, loss of income, etc. c
uc The amount of compensation is restricted to the actual financial loss of the customer arising out
of the amount in the books of the Bank only and in any case, to the maximum limits prescribed
for the various services given above.c

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The Bank shall not be liable to compensate customers for delayed credit/non-availability of any
service, if some unforeseen event (including but not limited to civil commotion, sabotage, accident,
fire, natural disasters or other "Acts of God", war, damage to the Bank's facilities or of its
correspondent bank(s), absence of the usual means of communication or all types of transportation,
etc.) beyond the control of the Bank which may prevent it from performing its obligations within the
specified service delivery parameters.

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•

One of the important functions of the Bank is to accept deposits from the public for the purpose of
lending. In fact, depositors are the major stakeholders of the Banking System. The depositors and
their interests form the key area of the regulatory framework for ban king in India and this has been
enshrined in the Banking Regulation Act, 1949. The Reserve Bank of India is empowered to issue
directives / advices on interest rates on deposits and other aspects regarding conduct of deposit
accounts from time to time. Mith liberalization in the financial system and deregulation of interest
rates, banks are now free to formulate deposit products within the broad guidelines issued by RBI.

This policy document on deposits outlines the guiding principles in respect of formulation of various
deposit products offered by the Bank and terms and conditions governing the conduct of the account.
The document recognises the rights of depositors and aims at dissemination of information with
regard to various aspects of acceptance of deposits from the members of the public, conduct and
operations of various deposits accounts, payment of interest on various deposit accounts, closure of
deposit accounts, method of disposal of deposits of deceased depositors, etc., for the benefit of
customers. It is expected that this document will impart greater transparency in dealing with the
individual customers and create awareness among customers of their rights. The ultimate objective is
that the customer will get services they are rightfully entitled to receive without demand.

Mhile adopting this policy, the bank reiterates its commitments to individual customers outlined in
Bankers' Fair Practice Code of Indian Banks' Association. This document is a broad framework under
which the rights of common depositors are recognized. Detailed operational instructions on various
deposit schemes and related services will be issued from time to time

c
*$ 1[$  00 % 
Mhile various deposit products offered by the Bank are assigned different names. The deposit
products can be categorised broadly into the following types.

uc "Demand deposits" means a deposit received by the Bank which is withdrawable on demand.c
uc "Savings deposits" means a form of demand deposit which is subject to restrictions as to the
number of withdrawals as also the amounts of withdrawals permitted by the Bank during any
specified period.c
uc " Term Deposit" means a deposit received by the Bank for a fixed period withdrawable only after
the expiry of the fixed period and include deposits such as Recurring/Reinvestment Income
Certificate/ Encash 24/Short term Deposits/ Fixed Deposits/ Monthly Income Certificate/ Quarterly
Income Certificate etc. c
uc "Current Account" means a form of demand deposit wherefrom withdrawals are allowed any
number of times depending upon the balance in the account or up to a particular agreed amount
and will also include other deposit accounts which are neither Savings Deposit nor Term Deposit. c
•

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uc The Bank before opening any deposit account will carry out due diligence as required under "Know
Your Customer" (KYC) guidelines issued by RBI and or such other norms or procedures adopted by
the Bank. In the Bank, the authority to open a Deposit Account is vested in the Branch Head. In
very rare case clarifications are required to be sought from the higher authority. However,in such
unlikely event when the Branch Head cannot open the account and the matter has to be referred
to higher authority, the reasons for such delay would be conveyed to the customer.c
uc The account opening forms and other material would be provided to the prospective depositor by
the Bank. The same will contain details of information to be furnished and documents to be
produced for verification and or for record, it is expected of the Bank official opening the account,
to explain the procedural formalities and provide necessary clarifications sought by the prospective
depositor when he approaches for opening a deposit account.c
uc For deposit products like Savings Bank Account and Current Deposit Account, the Bank will
normally stipulate certain minimum balances to be maintained as part of terms and conditions
governing operation of such accounts. Failure to maintain minimum balance in the account will
attract levy of charges as specified by the Bank from time to time. For Saving Bank Account the
Bank may also place restrictions on number of transactions, cash withdrawals, etc., for given
period. Similarly, the Bank may specify charges for issue of cheques books, additional statement
of accounts, duplicate pass book, folio charges, etc. All such details, regarding terms and
conditions for operation of the accounts and schedule of charges for various services provided will
be communicated to the prospective depositor while opening the account.c
uc Savings Bank Accounts can be opened for eligible person / persons and certain organizations /
agencies (as advised by Reserve Bank of India (RBI) from time to time)

Current Accounts can be opened by individuals / proprietorship firms/ partnership firms / Private
and Public Limited Companies / HUFs / Associations / Societies / Trusts, etc.

Term Deposits Accounts can be opened by individuals / proprietorship firms/ partnership firms /
Private and Public Limited Companies / HUFs/ Associations / Societies / Trusts, etc. c
uc The due diligence process, while opening a deposit account will involve satisfying about the
identity of the person, verification of address, satisfying about his occupation. Obtaining
introduction of the prospective depositor from a person acceptable to the Bank or through self
introduction by way of production of certain documentary evidence and obtaining recent
photograph of the person/s opening / operating the account are part of due diligence process.c
uc In addition to the due diligence requirements, under KYC norms the Bank is required by law to
obtain Permanent Account Number (PAN) or General Index Register (GIR) Number or alternatively
declaration in Form No. 60 or 61 as specified under the Income Tax Act / Rules.c
uc Deposit accounts can be opened by an individual in his own name (known as account in single
name) or by more than one individual in their own names ( known as Joint Account) . Savings
Bank Account can also be opened by a minor jointly with natural guardian or with mother as the
guardian ( known as Minor's Account). Minors above the age of 12 will also be allowed to open and
operate saving bank account independently.c
uc Operation of Joint Account - The Joint Account opened by more than one individual can be
operated by single individual or by more than one individual jointly. The mandate for operating the
account can be modified with the consent of all account holders. The Savings Bank Account
opened by minor jointly with natural guardian / guardian can be operated by natural guardian
only.c
uc The joint account holders can give any of the following mandates for the disposal of balance in the
above accounts: c
uc Either or Survivor : If the account is held by two individuals say, A & B, the final balance alongwith
interest, if applicable, will be paid to survivor on death of anyone of the account holders. c
uc Anyone or Survivor/s : If the account is held by more than two individuals say, A, B and C, the
final balance alongwith interest, if applicable, will be paid to th e survivor on death of any two
account holders.
The above mandates will be applicable to or become operational only on or after the date of
maturity of term deposits. This mandate can be modified by the consent of all the account holders. c
uc A the request of the depositor, the Bank will register mandate / power of attorney given by him
authorizing another person to operate the account on his behalf.c
uc The term deposit account holders at the time of placing their deposits can give instructions with
regard to closure of deposit account or renewal of deposit for further period on the date of
maturity. In absence of such mandate, the Bank will seek instructions from the depositor/s as to
the disposal of the deposit by sending an intimation before 15 days of the maturity date of term
deposit. In absence of such instruction from the account holder, the deposit after maturity, shall
be automatically renewed for a further period equal to the original period of deposit. c
uc Nomination facility is available on all deposit accou nts opened by the individuals. Nomination is
also available to a sole proprietory concern account. Nomination can be made in favour of one
individual only. Nomination so made can be cancelled or changed by the account holder/s any
time. Mhile making nomination, cancellation or change thereof is required to be witnessed by a
third party. Nomination can be modified by the consent of account holder/s. Nomination can be
made in favour of a minor also.

Bank recommends that all depositors avail nomination facility. The nominee, in the event of death
of the depositor/s, would receive the balance outstanding in the account as a trustee of legal heirs.
The depositor will be informed of the advantages of the nomination facility while opening a deposit
account.c
uc A statement of account will be provided by the Bank to Savings Bank as well as Current Deposit
Account Holders periodically as per terms and conditions of opening of the account. Alternatively,
the Bank may issue a Pass Book to these account holders subject to conditions."c
uc The deposit accounts may be transferred to any other branch of the Bank at the request of the
depositor.c
•

c
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uc Interest shall be paid on saving account at the rate specified by Reserve Bank of India directive
from time to time. However, term deposit interest rates are decided by the Bank within the
general guidelines issued by the Reserve Bank of India from time to time.c
uc In terms of Reserve Bank of India directives, interest shall be calculated at quarterly intervals on
term deposits and paid at the rate decided by the Bank depending upon the period of deposits. In
case of monthly deposit scheme, the interest shall be calculated for the quarter and paid monthly
at discounted value. The interest on term deposits is calculated by the Bank in accordance with the
formulae and conventions advised by Indian Banks' Association.c
uc The rate of interest on deposits will be displ ayed in the branch premises. Changes, if any, with
regard to the deposit schemes and other related services shall also be communicated upfront to
the deposit account holders.c
uc The Bank has statutory obligation to deduct tax at source if the total interest paid / payable on all
term deposits held by a person exceeds the amount specified under the Income Tax Act. The Bank
will issue a tax deduction certificate (TDS Certificate) for the amount of tax deducted. The
depositor, if entitled to exemption from TDS ca n submit declaration in the prescribed format at the
beginning of every financial year.c

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•

uc The minor can open Savings Bank Account and the same can be operated by the natural guardian
or by minor himself / herself, if he/she is above the a ge of 12 years. The account can also be
opened jointly.c
uc On attaining majority, the erstwhile minor should confirm the balance in his/her account and if the
account is operated by the natural guardian / guardian, fresh specimen signature of erstwhile
minor duly verified by the natural guardian would be obtained and kept on record for all
operational purposes.c

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All bank deposits are covered under the insurance scheme offered by Deposit Insurance and Credit
Guarantee Corporation of India (DICGC) subject to certain limits and conditi ons. The details of the
insurance cover in force, will be made available to the depositor.

The DICGC insures all deposits such as savings, fixed, current, recurring, etc. deposits except the
following types of deposits

uc Deposits of foreign Governments c


uc Deposits of Central/State Governmentsc
uc Inter-bank depositsc
uc Deposits of the State Land Development Banks with the State co-operative bankc
uc Any amount due on account of and deposit received outside Indiac
uc Any amount, which has been specifically exempted by the corporation with the previous approval
of Reserve Bank of Indiac
Each depositor in a bank is insured upto a maximum of Rs.1,00,000 (Rupees One Lakh) for both
principal and interest amount held by him in the same right and same capacity.
The deposits kept in different branches of a bank are aggregated for the purpose of insurance
cover and a maximum amount upto Rupees one lakh is paid. For example, if an individual had an
account with a principal amount of Rs.95,000 plus accrued interest of Rs.4,000, the total amount
insured by the DICGC would be Rs.99,000. If, however, the principal amount in that account was
Rs. One lakh, the accrued interest would not be insured, not because it was interest but because
that was the amount over the insurance limit.

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1. Administrator of the Specified Undertaking 97,224,373 23.89
of the Unit Trust of India - (SUUTI)

2. Life Insurance Corporation of India 39,352,965 9.67

3. General Insurance Corporation of India 7,862,331 1.93

4. The New India Assurance Company Limited 4,252,455 1.04

5. National Insurance Company Limited 2,448,740 0.60

6. United India Insurance Company Limited 1,197,979 0.29

7. The Oriental Insurance Company Limited 1,532,462 0.38

 
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8. Indian Financial Institutions (IFIs) 6,738,161 1.66

9. Mutual Funds 20,366,762 5.00

10. Others (Individuals/Corporate 51,055,502 12.55


Bodies/HUF/Trusts/Banks)

 
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11. FDI Route - GDRs Issue (2005, 2007 & 31,076,185 7.64
2009)

12. Foreign Financial Institutions (FIIs) 143,250,900 35.20

13. NRIs/OCBs/FBD/FB-DR 582,164 0.14

 
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