SYRIAN CATHOLIC BANK .. Address 474, Mahatma Gandhi Rd Pondicherry Phone:- 0413 2336176 Contact Person Mr. T.

Rangasamy I Deposits A CSB Tax Savings Support

As per Finance Act 2006, deposits made with banks, in terms of Central Government notification (No.203/2006 dated 28.07.2006) are eligible for deduction under Section 80 C for income tax purpose. The scheme has been short titled as Bank Term Deposit Scheme 2006. Accordingly, we have renamed the deposit scheme as CSB Tax Savings Support. The salient features of which are mentioned below: 1. Title and types of deposit Deposits can be made as ordinary fixed or reinvestment deposits under the following schemes: (a) CSB Tax Savings Support - Income. (b) CSB Tax Savings Support - Growth. B Products & Services Deposits Fixed Deposit  Minimum amount for opening account is Rs.100/- Accounts may be opened in odd sums.  Deposits are accepted for periods of 7 days and above and even for a period where terminal quarter or month is incomplete.  Interest is paid at quarterly or longer rests at the full value of interest.The same is paid monthly at the discounted value of interest. Features  The maximum period for which term deposits are accepted is 10 years.

C Products & Services Deposits Family Welfare

Reinvestment deposit scheme. Interest accrues both on the principal and the interest thereon.  Minimum amount for opening the account is Rs.100/- Accounts may also be opened in odd sums.  Deposits are accepted for a minimum period of six months for periods in multiples of three months or in incomplete quarters. Features

 The maximum period for which term deposits are accepted is 10 years.

D Products & Services Deposits DOT Deposit

Yes, it is a bit of both and brings you the best of both. This unique scheme allows you to deposit money in units of Rs. 1000/- (Minimum 10 units) for a term that ranges from 6 months to 5 years. And gives you two attractive options for withdrawing it. One option lets you withdraw any number of units whenever you need money by paying only a penalty of 1% for the number of units withdrawn. While the balance amount will earn interest at the contracted rate. And the second option enables you to avail a loan against your deposit whenever you are strapped for cash. For more details, visit any of our branches. E Products & Services Deposits Acharya Deposits Senior citizens we salute you. Invest in our Acharya Deposit Scheme. Avail additional interest for your deposits. Minimum Amount of Deposit - Rs 5,000/Minimum Period of Deposit - 6 months.

Eligibility  All senior citizens 60 plus, excluding NRI are eligible.  An account for individuals, either singly or jointly ,non-trading organisation institutions.  Account can be opened for a minimum amount of Rs. 100/- (Rs. 250 for computerised branches)  Cheque book facility for a minimum balance of Rs.250/ (Rs. 250 for computerised branches)  Account can be opened even in the name of a minor aged 12, allowing him /her to operate provided he/she presents himself /herself at the bank for each withdrawal.  A minor who has attained 14 years of age can open and operate the account individually in same manner as an adult.  Up-country cheques up to Rs.5,000/-are given immediate credit to individual account holders by charging usual commission and postage on stipulated conditions.  Payment of interest on savings bank a/c is made on a daily product basis w.e.f. April 1, 2010 Features  Standing instructions of the account holder with regard to payment of premium, rent, etc.are accepted and acted upon promptly.  Cheques, Drafts,pension,dividend warrants,etc. are accepted and collected for credit to the account.  Account can be transferred to any other office of the bank, free of charge.

F CSB Students Support Savings Scheme

A savings bank account with the following features. Eligibility: Students of recognized/reputed Schools/Colleges/ Professional Course Entrance Coaching Centres including Professional Colleges, from Standard IX onwards upto Final Year of Diploma/ Graduation/Post Graduation. Introduction: By the Head of the Educational Institution where the student is pursuing his/her studies

or by any properly introduced existing customer. If the account is opened with the introduction of a person other than the Head of the Institution, satisfactory proof to the effect that the applicant is a student, such as copy of the fee receipt, certificate from the educational institution etc should be produced. Initial Remittance and Minimum Balance: The accounts can be opened and operated on Zero balance basis and there will be no stipulation regarding minimum balance.Cheque Books and ATM CardsATM Cards/Global Support Cards will be issued to account holders under this scheme, wherever feasible, free of cost. However, no cheque books will be issued, irrespective of whether ATM card/ Global Support Card has been issued or not.

G Cumulative Deposit
 Enables the depositor to build up a sizeable capital in a regular systematic way.  The account can be opened with a minimum monthly remittance of Rs.5/- or multiples thereof. The remittances may also be in odd sums.  Account can be opened for a minimum period of 6 months and in multiples of 3 months. Features  The maximum period for which term deposits are accepted is 10 years.

H Current Account
 For traders, businessmen, corporate bodies, etc. who operate their accounts frequently.  Minimum amount for opening an account is Rs.5000/- in Metro Branches,Rs 3000/- in UrbanBranches,Rs 2000/- in semi urban branches and Rs 500/- in rural Branches  Rate of interest - Nil Features  Standing instructions of the account holder with regard to payment of premium, rent, etc. are accepted and acted upon promptly.  Cheques, Drafts, pension, dividend warrants,etc. are accepted and collected for credit to the account.  Account can be transferred to any other office of the bank, free of charge.

2 ADVANCES A CASY MITHRA - A PERSONAL LOAN SCHEME FOR INDIVIDUALS

Purpose of Advance :  For any legally permitted purpose Amount of Advance  Minimum Rs. 0.50 lakh  Maximum Rs. 25.00 lakh Salaried Persons 20 times of net monthly income of the applicant. Minimum net take home salary should be Rs 10,000/- excluding the instalment of the proposed Casy Mithra loan. (In case the spouse of the applicant stands as guarantor, his/her net income also can be added for arriving at the quantum of

loan). Others 1.50 times of the annual taxable income of the loan. Agricultural income shown in the IT return should not be considered for arriving at the total eligible amount. Minimum of three previous years IT return should be submitted, which have been filed on regular basis.(Income of spouse can be added if he/she guarantees the loan) Security  For loan amount upto and inclusive of Rs. 10.00 lakh: House plot/prime commercial plot, with or without building keeping 50% margin  For loan amount above Rs. 10.00 lakh Residential property/prime commercial Property, with building keeping 50 % Margin. Guarantee  Personal guarantee of atleast one person, preferably spouse of the applicant Rate of interest <  Floating rate - 18.00% p.a. Repayment Period  Maximum 5 years Documents to be produced  Proof of Identity & Residence, Assets, Income etc. from authority.  Photograph of the applicant and guarantors.  Other documents as decided by the sanctioning authority

B Educational Loan
Rate of interest :Upto Rs 4.00 lakh - 14.25% p.a Above Rs 4.00 lakh - 14.75% p.a C House Loans - Resident Indians Finance for :  Construction or purchase of House or Flat.  For addition/extensions and renovations of existing House/Flat. Eligibility  To Individuals  To Group of individuals including Co-operative Societies Quantum of Finance  In Metros/Urban Centres - Upto Rs.50 lakhs  In other centres - Upto Rs.25 lakhs Rate of interest Loan upto Rs.30 Lakhs  11.25%

Loan above Rs.30 Lakhs  12.25%

Margin  For construction,renovation,repair - 25% on the actual cost   For purchase of ready built house/flat - 25 % on purcahse value as per sale deed including cost of registration Repayment  Maximum period 20Years including repayment holiday.   Initial repayment holiday not to exceed 12months.   Total deductions including instalment should not exceed 50% of gross income.  In case of employees, repayment should be completed before the date of superannuation.  In other cases, the age limit is 65 years for repayment. Basic Requirements  Proof of income such as Salary Certificate/IT Assessment Order.  Copy of approved Plan and Estimate of the buililding/SaleAgreement .  For Salaried persons, irrevocable authorisation for recovery of Instalments must be submitted,duly acknowledged by the Employer. Security  Land &Building purchased/constructed

D Agricultural Finance
Need -based finance is provided in the following forms for agricultural and allied activities.  Short term production loans ( crop loans) for purchase of inputs.  Loans for purchase of farm machinery.  Loans for horticulture and plantation.  Loans for allied agricultural activities which include dairy, poultry, goat/sheep rearing, fishery, prawn culture, piggery, sericulture, aquaculture, ductery,rabbit farming,quail farming mashroom cultivation etc.  Loans for construction of biogas plants. Note : Margin, rate of interest and security norms for the loans are subject to the guidelines issued by the Reserve Bank of India from time to time .

E Car Loan
Car Loan Scheme For acquiring Car, Van, Jeep etc. for personal use. Eligibility For persons having assets and income enough for regular repayment of the advance. Documentary

evidence of income should be submitted. Quantum of Finance 80% of Invoice Value and road tax. Invoice Value includes Excise duty, Sales tax etc. but excludes insurance, registration and other incidental charges. Rate of Interest  11.25% to 12.25% Security Hypothecation of the Vehicle. Guarantee One person with good means, if collateral security is not offered or undertaking for salary deduction is not available. Guarantee of spouse should be given preference.

3 RTGS NEFT
A RTGS
Real Time Gross Settlement (RTGS)

All CSB Branches are RTGS Enabled.

Service Charges Outgoing RTGS Outward Transaction Amount Rs.2 lakh to Rs.5 lakh Above Rs.5 lakh 09:00 to 12:00 12:01 to 15:30 15:31 onwards hours hours Rs.25 Rs.26 Rs.30 Rs.50 Rs.51 Rs.55

Incomming  Free Timing  Weekdays 10.00 AM to 4.00 PM  Saturdays 10.00 AM to 1.00 PM Amount  Minimum 2 Lakh  Maximum any amount

B NEFT
National Electronic Fund Transfer (NEFT)

All CSB Branches are NEFT Enabled.

Service Charges Outgoing  Up to Rs.1 lakh - Rs. 5/- per transaction  Rs.1 lakh to Rs.5 lakh - Rs.15/- per transaction  Rs.5 lakh & above - - Rs.25/- per transaction Incomming  Free Timing  Weekdays 10.00 AM to 4 PM  Saturdays 10.00 AM to 12.30 PM Amount  No amount restrictions.

4 INTERNATIONAL MONEY TRANSFEER A Wall Street Instant Cash

CSB offers a state of the art web enabled International Money Transfer service- Wall Street Instant Cash Money Transfer through the branches. The Service is provided by Wall Street Exchange Co. Wll, Dubai. This enables a person to transfer money internationally into India upto rupee equivalent of a maximum limit of US $ 2500/= per transaction. Maximum number of transactions that can be received by a beneficiary in a calendar year is restricted to 12. Remittances for personal purposes like family maintenance as well as suitable for foreign tourists visiting India. Credit towards the Non Resident Accounts are not permitted. The attractive features of this scheme are Z Instantaneous receipt of the remittances Z Remittances equivalent to Rs.50000/= can be received in cash Z If the beneficiary maintains account with our encashing branch, the amount will be credited on receipt at the encashing location. Z Low cost of remittance as compared to other Money Transfer Services Z The Beneficiary has the option to receive the amount at any of the Agent Locations in the country subject to production of Identity proof and ICTC (Instant Cash transaction Control )Number. B MoneyGram MoneyGram International, based on London World second largest Money Transfer Company next to Western Union. Instantaneous Money Transfer Within Minutes From Any Where In The World

 Only personal remittances towards family maintenance and remittances favouring foreign tourists visiting India are allowed. Any single remittance under the scheme shall not exceed USD 2500/= or its equivalent Maximum number of remittances that can be received by a beneficiary is 12 in a calendar year Credit to NRE/FCNR Accounts etc. is not permitted. Cash payment can be made upto Indian Rs. 50,000/= only Payment to beneficiary is made in Indian Rupees All payments exceeding Rs 50,000/- shall be paid only be Cheque/DD/PO or by direct credit to recipients account (except for foreign tourists). 100 Branches for first phase Other Branches to do the business through IBD, Kochi,(the nodal office.)