CORE CURRENT ACCOUNT SCHEDULE OF FACILITIES effective from Jul 1,2012 (Charges are inclusive of Service Tax.

) Scheme Code - RCGEN/RCNRO/RCNRE/RCPAP Account Opening Amount Any amount less than Rs. 25,000/-

Average Quarterly Balance(AQB) Rs. 10,000/Cheque Book Free 50 leaves per qtr. Above Free limit Rs.2 per leaf Local cheque leaves /Personalised (PAP) Multicity cheque leaves Home Branch* Limits Cash Deposits - The charges beyond free limit will be levied in the account on daily basis Free up to 10 times of MAB maintained in account during previous month. Above free limit charged @ Rs 1.95/1000. (Min Rs 53) through System. . Cash Withdrawal - Self and Third Party Free Remittances Demand Drafts (Branch/Non Branch)/ (to be issued from Home Branch)/ Payorder/IDBI OMNIPAY Free 15 Transactions per month both (DD & PO) inclusive. Above free limit Rs. 1.10/1000( Min Rs. 11 and Max. Rs. 10,000) Free DD/ payorder cancellation/issue of duplicate DD/PO (Domestic) Foreign currency demand drafts / international money orders As per Trade Finance Guidelines. NEFT RTGS Any Branch Banking (Transactions at Non-Home Branch**) Cash Deposits Self and Third party Rs.20,000 per day, subject to home branch (including 'Home Branch City') cash deposit limit. Above free limit Rs. 4.00/1000 ( Min. Rs. 53)
$

Free:-Upto Rs 1 Lakh ; Rs 10 per transaction for Rs 1,00,001 and above. Rs. 2 Lakh to Rs. 5 lakh - Rs. 15 per transaction and above Rs. 5 lakh - Rs.25 per transaction

Free Cash Withdrawals - Self and Third party Free Deposit/Withdrawal - Cheque/ account to account transfers at Non Home Branch $The service allows you to operate your account from any IDBI branch across India. This service is not available for encashing FD/DD/PO. (NRE/NRO customers will get faciltiies as per RBI rules). Cheque Transaction Cheque collections (Branch/Non branch locations)/Speed Clearing Free(Only Correspondent banks commision will be recovered) Foreign currency cheque collection Cheque stop payment instructions Old records / copies of paid cheques International Classic Debit - Cum ATM Card Annual Fee One/additional add-on card per account Replacement of Lost/ Stolen card Re - generation of Pin/ Copy retrieval IDBI Bank ATM Non Financial / Financial Transaction Other Bank ATM(Domestic/International) ATM Cash Withdrawal Limit POS Limit (Point of Sale) Statements of Accounts Statement(Quarterly/Monthly/Weekly) Monthly by e-mail Less than 1 year More than 1 year Duplicate Passbook Hold mail facility Overseas mailing Account closure Account downgradation Standing instructions Set Up/Execution (per Instruction) Certificate Balance/Interest/Signature verification certificate/Banker's report (Current year /Previous Year ) Foreign inward remittance certificate Signature verification certificate Banker's Report ECS/ Cheque- issued and returned Financal Reason Technical Reason Cheque deposited and returned Local cheque Outstation cheque Technical Reason Unarranged overdraft / Cheque Purchase (A + B) (Subject to approval) Per occasion (A) Interest (B) Home Banking Facility Cash delivery & Pick Up Non IDBI Bank Customer Upto Rs25,000: Rs 70 DD/PO/IDBI OMNIPAY (Non IDBI Bank Account Holders) Above Rs25,000 upto Rs.1 Lac: Rs2.50/1000 (Min Rs. 70 & Max. Rs 250/-). Above Rs1 Lac Rs: 2 /1000 ( Min Rs.280 & Max Rs. 6000). 1.Opening of the Current Account tantamount to deemed acceptance of the aforesaid rule & regulations as well as the fact of being informed about the various service charges being levied by the Bank and the terms and conditions guiding the related products and services. Service charges are subject to change from time to time. 2 * Home Branch City(Branches having Common Clearing House with Home Branch).** Branches which is has different clearing house than Home branch will be considered as Non-home branch. 3.In-Operative Account:+ If there are no transactions in the account for a period of two years, the account will be treated as an inoperative account. + In case there are no customer induced debit, credit and/or third party transactions in the account, it would be classified as inoperative. The service charges levied by the Bank and/or interest credited by the Bank would not be considered as customer induced transactions. + The customer should thus transact in the account periodically, so that it does not become inoperative. 4. Satisfactory conduct of the account entails maintaining stipulated minimum Quarterly Average Balance / Monthly Average Balance as well as sufficient balance to honor cheques issued to third parties. If there are high incidences to the contrary, the Bank reserves the right to close the account under intimation to the customer. 5. Any change of address should be immediately communicated in writing to the Bank. ***Reckoned from the date of issuance of card Free As per Trade Finance Guidelines. Free Free Charges Rs. 225 Free Rs. 60 Rs. 115 Free Rs..115/txn 19.75% As per Schedule of charge(SOC) for CDP Service. Free Free Free Free Free Free Free Free Free Free Rs. 110/- (second year onwards***) Rs. 110/- (Second year onwards***) Rs. 110/Free Free Domestic: - Non-Financial- Rs. 8 per transaction. Financial- Rs. 20 per transaction. Non-Financial- Rs.Rs.30 per transaction. Financial- Rs. 140 per transaction. Rs 50,000/- (Per Day) Rs 50,000/- (Per Day) International: As per Trade Finance Guidelines. Free Free