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Verified by Visa (VbV) / MasterCard SecureCode

The Reserve Bank of India (RBI) has issued a guideline that, from 1st Aug 2009 all online credit card transactions require an extra verification. You will need this password to continue transacting online from 1st Aug 2009 What is Verified by Visa (VbV) / MasterCard SecureCode VbV / MasterCard SecureCode is a new second line authentication service that will let you use a personal password with your Vijaya Bank Credit Card for online transactions, giving you added assurance that only you can use your Vijaya Bank Credit Card to make purchases over the Internet. The process is simple to use and secure.: How does VbV/MasterCard SecureCode work? Here are the steps: - Select the goods or services you want from a online store and proceed to the payment page. - Vijaya Bank initiates a pop-up window on your computer screen that includes your Personal Message. - Look for and confirm your Personal Message, then enter your password. Vijaya Bank will then confirm your identity to the merchant. - Your payment is authorized and your order is placed. It's that simple! Can I register with my existing Vijaya Bank Credit Card or do I need to apply for a new one? You can register with any of your Vijaya Bank Credit Card for this service. Can I register with more than one Vijaya Bank Credit Card? Yes, you can register one or all of your Vijaya Bank Credit Cards. After I register, how long does it take for VbV/MasterCard Secure Code to become active on my card? The registration process is completely online and instantly completed. Your registration successful message is displayed at the end of the registration process and you can start using the facility to shop securely on the Internet straightaway.

WHAT IS A PERSONAL MASSAGE ? When you register for VbV/MasterCard Secure Code, you may be asked to create a Personal Message. When you pay online, always look for this Personal Message to ensure that Vijaya Bank is authenticating you. If I suspect someone has stolen my password or used it to make fraudulent purchases, what should I do? Contact Vijaya Bank immediately by email at ccd@vijayabank.co.in or 24 x 7 Toll Free Centre 1800 425 9992 to block the card. What happens if I shop at a VbV/MasterCard Secure Code merchant website while I'm not registered for this feature? You will be prompted for online registration for VbV/MasterCard Secure Code by Vijaya Bank. You would need to authenticate yourself with your Vijaya Bank Credit Card number, CVV2, Date of Birth and card expiry details. You can choose your password to be used for VbV/MasterCard Secure Code. Thereafter, you can continue shopping on the merchant website. If you decide not to register immediately and transact through your normal credit card number, then your transaction will not get authorised and you would not be able to complete the transaction on such websites
******************** FAQs on IVR Transaction & Receive Pre-OTP [IVR transaction is proposed to be introduced from 01.01.2011]

How to receive Pre-OTP ? Card holder should send SMS to 567698 OR +919212738927 with the message VJYB <Last 4 Digit of Card Number>
Example

If Card no is : 4123 4567 8901 2345, to receive Pre-OPT, Card holder should send SMS to 5676798 OR +919212738927 with the message: VJYB 2345
What is an IVR transaction?

Interactive Voice Response i.e. IVR transactions are transactions carried out over the mobile/telephone or card not present where a Credit Card number is to be entered on an automated system for the purpose of making a payment to a vendor for purchase of goods, services, payment of bills, mobile recharges etc. In what way will this affect the way I carry out an IVR transaction on my credit card? You would be required to enter an OTP/OAC * received on your registered mobile phone number in addition to your credit card details to process the transactions on IVR w.e.f. 1 January, 2011. Can I save the OTP/OAC that I have received for future transactions? OTP/OAC is a secure pass code that is valid for only one transaction and expires there after. You will receive a new OTP/OAC for every new transaction that you do. So do not save it. What do I need to do to continue carrying out IVR transactions on my credit card? All you would need to do is to go to your branch and update your mobile number. You will be required to provide your credit card number to which your mobile number is to be linked.
st

OTP One-time Password OAC One-time Access Code

*******************************************************

Vijaya Bank issues both VISA & Master Card - Domestic Cards and VISA International Credit Cards which are quite popular and widely accepted.

For ease of operations as well as to save the customer the hassles of making payment by issuing cheques and sending them by post, we issue Credit Cards to customers maintaining account with any of our branches spread throughout the country. We have a host of deposits & retail products to suit various requirements of our customers.
NEW INTRODUCTIONS Life Time free Credit Cards * Life time Add-on Cards to parents, spouse, children (above 18 years of age) issued free of charge.

*conditions apply

Other Features of our Credit Cards Cards are issued only to our A/c Holders. The cards are issued to Individuals & also to Corporates. Life time Free Add-on cards are issued to spouse, parents, children above 18 years of age. Individual cardholders can opt for Revolving Credit facility. The cardholders have the choice of repaying of the monthly bills in instalments (5%, 10%..95%). The scheme of loyalty points is available. One loyalty point valued Re 0.50 is awarded for purchases of Rs 100/-. The cardholders can draw cash from any one of our branches. A specially designed pass book is provided for this purpose. The facility of cash withdrawal through other banks ATMs is available. VISA cardholders can withdraw from our ATMs also. 24 hour personal accident insurance coverage is available. Insurance cover for misuse in case of loss of card is available. The facility of printing the photograph & signature is available for more security. Facility of sending transaction details and the monthly bills through e-mail free of charge is available. Cards are issued for three years. Cards are renewed automatically for three more years unless cardholder/branch informs, at least 45 days before the expiry of the card, not to renew the card.

Charges (not an exhaustive list) Card replacement charges(for Lost/Stolen or any other reason) - Rs 150/- . Card hotlisting charges Rs.200.00. Cash handling charges 3% of the amount withdrawn. For cash withdrawn from other Bank ATMs in India Rs.75.00 extra. For cash withdrawn from other Bank ATMs outside India Rs.100.00 extra. Transactions at Railways and Petrol Pumps 2.5% of the transaction amount with a minimum of Rs.10.00. Revolving credit charges 1.75% p.m.(or 21% p.a.).

Note: In addition to above, service tax, if applicable at applicable rates will also be charged. ALL THE ABOVE FEES/CHARGES WILL BE BILLED AT CREDIT CARD DIVISION, HO. Charges on amount unpaid at the branch 2.25% p.m.(or 27% p.a.).

Fees/charges indicated here are as prevalent currently and are subject to revision by the bank from time to time. Revolving Credit This is the system of paying the Credit Card bills in instalments. An option is given to the cardholder to pay according to his/her convenience. We have devised a novel method of billing as per the option of the cardholder. The options are accepted for any percentage between 5 and 95. As the recovery is the ultimate responsibility of the branches, the branches have the final say in indicating the percentage for revolving credit.

The new credit card applicants can exercise the option by marking the relevant column in the credit card application itself. In other cases, the option letter for Revolving Credit may be used. On receipt of the option from the cardholder, the subsequent billing is made for only the opted percentage portion retaining the remaining portion at the Credit Card Division. The fees, the charges and utilization over the limit are also billed immediately. Service Charges for the revolving credit is 1.75% p.m.(i.e., 21% p.a.). Calculation of the charges for the revolving credit is on a daily product basis. All the debit and credit transactions are taken for calculation of charges from the date of processing these transactions at the Credit Card Division. The revolving credit optees can vary the percentage at any time later. If they wish to decrease the percentage, then the request has to be routed through the branch and if they wish to increase the percentage or opt out of the revolving credit, they can send their requests directly to the Credit Card Division. The cardholders have also an option of payment in between the billing dates to reduce the liability. The credit is posted to the cardholder and the charges are adjusted from the date the credit was received at the branch. The amount withheld at the Credit Card Division is indicated to the cardholder in the billing statement . The limit of the cardholder is blocked from further usage to the extent of amount withheld at the Credit Card Division. If the card is deactivated for any reason, i.e., hotlisted, cancelled, deleted, not renewed, etc., the entire liability lying at the Credit Card Division is transferred to the branches in the next billing cycle.

Loyalty points Loyalty points are points awarded to the cardholders for their loyalty towards our Credit Cards. These points are awarded for the retail transactions only. Cash withdrawals are not considered. The points are calculated at 1 point for every Rs.100 transaction. The points are accumulated and redeemed at the end of the card year @ Re 0.50 for each point and the amount so converted is credited to the cardholder's account.

Customer Care Centre

A 24/7 Customer Care Centre has been set up at Credit Card Division, H.O. for providing Card hot listing Services, attending queries on Cards and ATMs. Customers and Branches can contact: Phone: Toll Free 1800 4259992 080 41133500 (Direct) 080 25584066 Extn: 616 & 618 e-mail : debitccc@vijayabank.co.in (BSNL)

V CARE Complete Safety Security and Protection under one Roof. A SPECIAL OFFER FROM UNITED INDIA INSURANCE COMPANY LTD IN ASSOCIATION WITH VJAYA BANK To Vijaya Bank Credit Card Holders by Offering A Unique Mediclaim, Personal Accident & UI Home Suraksha Policy At the most competitive rates. Payment of premium made convenient through Vijaya Bank Credit Card Eligibility for deduction under Section 80D of the IT Act. Make the best use of this attractive offer SCHEME CLOSES ON 15.12.2010

Integrated Treasury Our state-of-the-art Dealing Room is centralised in Bangalore and is one of the largest in India with sophisticated infrastructure. We have a full-fledged Money Market and Equity desks, which are active in every aspect to efficiently deploy the funds as well as in proprietary trading and investments. Our Forex desk comprises of Corporate and Trading sections with well experienced/trained Dealers who can give right advice to the valued clients, apart from quoting the best competitive rates in the market to the customers. Presently, the Bank is entertaining small/medium/big corporates for Export / Import transactions and remittances. Our customers can approach any of the Foreign Exchange Designated branches across the country. Our Market Information provides day-to-day views of the Dealers on the Forex Market. The Derivative Desk in our Bank is active in all the derivative products, especially Interest Rate Swaps (IRS), Forward Rate Agreements (FRA) / Forward Contracts, Options,Swaps and Currency Futures. The General Manager Treasury Management Department Vijaya Bank Head Office M G Road Bangalore 560 001 Ph: 080 25584843 Fax: 080 25588853 e-Mail: mum.ftmd9502@vijayabank.co.in Domestic Treasury: Phone: 080 25584843 e-Mail: tmd@vijayabank.co.in Forex Treasury: Phone: 080 25590697 Fax: 080 25590689 e-Mail: drforex@vijayabank.co.in Reuters Code: VJBY Swift: VIJBINBBCFE

INTEREST RATES AT A QUICK GLANCE

A QUICK GLANCE. - Given below are the Rates of Interest and Charges for Deposits, Loans & services which are given in brief WITH EFFECT FROM 1ST AUGUST 2011, BANKS BASE RATE (BR) STANDS REVISED FROM 10.25% PA TO 10.65% PA AND THE BENCHMARK PRIME LENDING RATE (BPLR) stands revised from 14.50% PA TO 15.00% PA . get full details on Deposit Interest Rates full details on Loans Interest Rates
Nature ACCOUNT Rate Of Interest (%) Normal Sr. Citizen Minimum Balance Rural S. Urban Urban Metro

(With effect from 03.05.2011)


SAVINGS BANK ACCOUNT A . Domestic a. With Chq. Book facility b. With out Chq. Book Facility c. No Frills Account B. Non Resident a. NRO B. NRE 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 250 100 0 250 250 250 100 0 250 250 500 250 0 500 500 500 250 0 500 500

TERM DEPOSITS DOMESTIC & NON RESIDENT ORDINARY ACCOUNTS

With effect from 07 th JUNE, 2011: (% p.a) Sl Maturity Periods Less than No ` FIVE crores 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 7 days to 14 days 15 days to 29 days 30 days to 45 days 46 days to 90 days 91 days to 179 days 180 days to less than one year one year to less than Two years 4.00 4.00 4.00 5.75 7.00 8.00 9.25

` FI V E Crores and Above 4.00 4.00 4.00 6.00 7.00 8.50 9.00 9.00 8.50 8.25

Two years to less than Three Years 9.35 Three years to less than Five Years 9.00 Five Years and above 8.75

Notes:

1. 2.

3. 4. 5. 6.

7. 8.

Additional interest rate for Senior Citizens shall be at 0.50% for all categories. Deposits made by our Banks staff/retired members of staff (on superannuation or otherwise as per Banks Rules, but excluding employees retired compulsorily or in consequence of disciplinary actions or resigned employees), are eligible for 1% additional interest and if they are Senior citizens, they are entitled for senior citizen benefit of 0.50% also. The above rates in the Chart is also applicable to Capital Gain Account Scheme 1988 and Vijaya Tax Savings Scheme. Staff members / Retired staff members as in (2) above are not eligible for 1% additional interest on two schemes i.e. (1) Capital Gain Scheme and (2) Vijaya Tax Saving Scheme. However, such deposits made by Banks retired staff members, who are also senior citizens, are eligible for senior citizen benefit of 0.50%. The revised rates are applicable to fresh deposits as well as on renewal of matured deposits. Premature Renewal of Term Deposits : In case a depositor desires to renew the deposit, by seeking premature closure of an existing term deposit account, the bank will permit the renewal at the applicable rate on the date of renewal, provided the deposit is renewed for a period longer than the residual period of the original deposit. While prematurely closing a deposit for the purpose of renewal, interest on the deposit for the period it has remained with the bank will be paid at the rate for the said period prevailing on the date of original deposit, and not at the contracted rate, without applying penalty. If the fresh deposit so made as above in Sl.No.6, is prematurely withdrawn once for all, before completion of the fresh contracted period, the applicable penalty, which was not collected then for the earlier deposit period, should now be collected manually along with the present penalty. Please note that the rates of interest applicable to NRO deposits are same as applicable to domestic deposits. Also in terms of para 2.10 of Reserve Bank of India's Master Circular No.RBI/2010-11/65 dated 01.07.2010, no additional interest is payable to Senior Citizens under any type of non-resident accounts, including NRO accounts.

TERM DEPOSITS

Interest Rates on Non Resident External Rupee Deposit Maturity Period 1 year to less than 2 years 2 years to less than 3 years 3 years and above upto and including 5 years

(Term Deposits) NRE Effective from 01 AUGUST 2011 Interest Rate [% p.a.] 2.51 2.39 2.69

Note : The above changes in interest rates will also apply to NRE deposits renewed after their present maturity period

TERM DEPOSITS FCNR (B)

Effective from 01 AUGUST 2011


Maturity Period One year to less than two years 2 years to less than three years 3 years to less than four years 4 years to less than five years 5 years only Currency - % p.a. GBP USD 2.59 2.32 2.57 2.86 3.14 1.76 1.64 1.94 2.32 2.72

EUR 3.17 2.94 3.11 3.31 3.51

LOANS RATE OF INTEREST ON RETAIL LENDING SCHEMES BASE RATE AT 10.65% P.A. W.E.F 01 st AUGUST 2011 Loans & Advances linked to Base Rate Sl. 1 V Cash For women beneficiaries including working women For marriage & purchase of consumer durables For others For Pensioners For V-Shikshak borrowers 2 V - Solar - for Lighting

% p.a. BR+5.00=15.65 BR+5.50=16.15 BR+5.50=16.15 BR+4.50=15.15 BR+5.00=15.65 BR+4.50=15.15

- for Heating V IPO V IPO-If paid within 30 days V --IPO If paid after 30 days For finance to employees to subscribe shares of their own companies under ESOP/ IPO V Professional (Rural/Semi-urban) Others V Trade V-Wheels (for individuals, corporate clients, partnership firms & V-Shikshak borrowers (HOC10165) V Equip For V Shikshak borrowers For others V Mortgage Loan Educational Loan (Irrespective of amount) for girl students (0.50% interest concession for all fresh loans w.e.f 01.11.08 to 31.12.10) For others Jewel Loans For Agricultural activities For others V-Rakshak

12.50% (Fixed) BR+4.50=15.15 BR+5.50=16.15 BR+5.50=16.15

BR+4.50=15.15 BR+5.50=16.15 BR+5.75=16.40 BR+ 0.85=11.50

5 6

8 9

BR+4.00=14.65 BR+4.50=15.15 BR+6.50=17.15 BR+2.25=12.90 BR+2.75=13.40 As applicable to Agricultural Loans BR+3.75=14.40 BR+3.50=14.15

10

11

BASE RATE 10. 65% p.a. W.E.F 01 ST AUGUST 2011 Sl. 12 V-Reverse Mortgage % p.a 11.00 [Fixed]

13 14 15 16 17

(with reset clause once in every 5 years) V Rent Small Road Transport Operators (SRTO) V Swashakthi V SOD

BR+4.25=14.90 As applicable under MSE (Service) BR+4.00=14.65

ALL VIJAYA HOME LOANS LINKED TO BASE RATE (in respect of existing loans and those sanctioned from 01 st August 2011) For loans up to Rs 30.00 Lakh For Loans above Rs 30.00 Lakh Floating Fixed Floating Fixed

Upto 5 years Above 5-10 years Above 10-15 years Beyond 15- 20yrs 18

BR+ 0.10=10.75 BR+ 0.35=11.00 BR+ 0.60=11.25 BR+ 0.85=11.50

See below No fixed No fixed No fixed

BR+ 0.85=11.50 BR+ 1.10=11.75 BR+ 1.35=12.00 BR+ 1.60=12.25 For loans up to Rs 30.00 Lakh

See below No fixed No fixed No fixed For Loans over Rs 30.00 Lakh 11.50 % 12.00% 12.25% 12.25%

Home loans under Fixed rate of interest with tenor of upto 5 years

Existing Home loans sanctioned before 06/5/2011 Home Loans sanctioned on or after 06/5/2011 Home Loans sanctioned on or after 01/7/2011 Home Loans sanctioned on or after 01/8/2011

11.00 % 11.50% 11.75% 11.75%

PART B

PRIORITY SECTOR ADVANCES BASE RATE 10.65% P.A. W.E.F 01 st AUGUST 2011 % p.a. (1) AGRICULTURE (a) Crop Loans Upto Rs.3.00 lakhs (Under Interest subvention scheme)* 7.00 (Fixed ) * Interest Rate for Crop loan upto Rs.3.00 lakhs disbursed from 014/2010 shall be charged at 7% p.a.. (Fixed), in view of interest subvention scheme announced in the Union Budget 2011-12. Even if the Crop loan sanction is more than Rs.3.00 lakhs, interest at 7% p.a.. (Fixed) shall be charged for amounts upto Rs.3.00 lakhs and applicable interest Rate shall be charged for the loan amount exceeding Rs.3.00 lakhs. If the loan remains upaid after the cut off date/period stipulated as per the Interest Subvention Scheme (Please refer HOCL 10273 dated 24/9/2010), applicable interest as shown below should be charged. Above Rs.3.00 lakhs BR+3.00=13.65 Upto Rs.50000/BR+1.00=11.65 Above Rs.50000 upto Rs.2 lakh BR+2.00=12.65 Above Rs.2 lakh upto Rs.3 lakh BR+3.00=13.65 (b) Other Short Term Loans and Term Loans Upto Rs.50000/BR+1.00=11.65 Above Rs.50000 upto Rs.2 lakh BR+2.00=12.65 Above Rs.2 lakh BR+3.00=13.65 BR+3.50=14.15 (c) Loans granted through Societies (Loans routed through PACS/LAMPS/FSS irrespective of repayment and size of the loan ) Note: Broader guidelines on charging and compounding of interest Rates on agricultural advances have been furnished in Annexure-3 to this Circular. 2) For SGSY loans : (Term Loans- 5 years to 9 years)

Irrespective of activity financed and irrespective of Individual or Group. Upto Rs. 50,000/8.75(Fixed) 3) Above Rs. 50,000/For Vijaya General Credit Card (VGCC): Vijaya General Purpose Credit Card (HOC No. 71/2008 dated 13.05.2008) for Self Help Groups (SHGs): Bank to SHGs/ JLGs Bank to NGOs/VAs for on-lending to SHGs/ JLGs DRI Advances 9.00(Fixed) 9.25 (Fixed) % p.a. 4) BR+2.00=12.65 BR+3.50=14.15 4.00 (Fixed)

5)

PRIORITY SECTOR ADVANCES (Contd) BASE RATE 10.65% P.A. W.E.F 01 ST AUGUST 2011

6)

Micro Medium and Small Enterprises(MSME) ( A) Micro Manufacturing Enterprises Sanctioned Limit Loans upto Rs.50000/Above Rs.50000 upto Rs.2 lakh Above Rs.2 lakh upto Rs.25 lakh Above Rs.25 lakh upto Rs.50 lakh Above Rs.50 lakh upto Rs.1 crore Above Rs.1 crore to Rs.10 crore (B) Micro Service Enterprises : (Includes SRTO/ V-Swashakthi/Professional/ Self-employed/ enterprises) Limit Loans upto Rs.50000/Above Rs.50000 upto Rs.2 lakh Above Rs.2 lakh upto Rs.25 lakh Above Rs.25 lakh upto Rs.50 lakh Above Rs.50 lakh (C) Small Manufacturing Enterprises : Sanctioned Amount Loans upto Rs.50000/Above Rs.50000 upto Rs.2 lakh Above Rs.2 lakh upto Rs.25 lakh Above Rs.25 lakh upto Rs.50 lakh Above Rs.50 lakh upto Rs.1 crore Above Rs.1 crore to Rs.10 crore

BR+ 0.85=11.50 BR+ 1.35=12.00 BR+ 2.60=13.25 BR+ 3.10=13.75 BR+ 3.60=14.25 BR+ 4.10=14.75 Small Business and other service

BR+ 1.35=12.00 BR+ 1.85=12.50 BR+ 3.35=14.00 BR+ 3.60=14.25 BR+ 4.10=14.75

BR+ 1.60=12.25 BR+ 2.10=12.75 BR+ 3.60=14.25 BR+ 3.85=14.50 BR+ 4.35=15.00 BR+ 4.85=15.50

(D) Small Service Enterprises : Loans upto Rs.50000/BR+ 2.10=12.75 Above Rs.50000 upto Rs.2 lakh BR+ 2.60=13.25 Above Rs.2 lakh upto Rs.25 lakh BR+ 3.85=14.50 Above Rs.25 lakh upto Rs.50 lakh BR+ 4.35=15.00 Above Rs.50 lakh upto Rs.10 crore BR+ 4.85=15.50 7) For other categories of Priority sector Other than (1) to (6) above and other than Housing & Education (both for working capital inclusive of bills facility and term loans For limits upto & inclusive of Rs.2.00 lakhs BR+4.00=14.65 Above Rs.2.00 lakhs & inclusive of Rs.25 lakhs BR+5.00=15.65 Above Rs.25 lakhs BR+5.50=16.15

PROCESSING CHARGES W.E.F. 1.11.2008


Housing Loan OTHER THAN INDIVIDUALS Rs.620/Rs.620/- per lakh [0.62%] with a min of Rs.1240/- and max. of Rs.18,600/Rs.930/- per lakh [0.93%] with a min. of Rs.27,820/- and without any ceiling on the maximum. INDIVIDUALS IN OTHERTHAN RURAL AREAS Rs.562/Rs.562/- per lakh [0.562%] with a min of Rs.1124/- and max. of Rs.16,900/Rs.843/- per lakh [0.843%] with a min. of Rs.25,290/and without any ceiling on the maximum. a) Upto Rs.25,000/- : Rs.281/b) Above Rs.25,001/- to Rs.2.00 lakh : Rs.562/- per lakh [0.562%] Min. Rs.562/- and Max. Rs.1124/c) Above Rs.2.00 lakh : Rs.843/- per lakh [0.843%] Min. Rs.1690/- and Max. will be Rs.4,215/Rs.562/- per lakh (0.562%) Minimum Rs.1124/INDIVIDUALS IN RURAL AREAS

Up to Rs.2 Lakhs Above Rs.2.00 lakh upto Rs.30 lakh

Rs.506/Rs.506/- per lakh (0.506%) with a minimum of Rs.1012 and maximum of Rs.15,210/Rs.760/- per lakh (0.760%) with a minimum of Rs.22,800/- without any ceiling on the maximum a. Upto Rs.25000/- : Rs.253/b. Above Rs.25,001/- upto Rs.2.00 lakh: Rs.506/- per lakh [0.506%] Minimum Rs.506/- and Maximum Rs.1012/c. Above Rs.2.00 lakh : Rs.760/- per lakh (0.760%) Minimum Rs.1530/- and Maximum Rs.3800/-. Rs.506/- per lakh (0.506%) Minimum Rs.1012/-

Above Rs.30 lakh

V-Cash [PERSONAL LOAN] [Max. amount of loan is Rs.5 lakhs] Not applicable

V-Equip [CONSUMER DURABLE LOAN] (Maximum loan amount Rs.3 lakh) V-Wheels [VEHICLE LOAN] Education Loan

Rs.620/- per lakh (0.620%) Minimum Rs.1240/-

Rs.620/- per lakh (0.620%) Minimum Rs.1240/Not applicable

Rs.562/- per lakh (0.562%) Minimum Rs.1124/Nil

Rs.506/- per lakh (0.506%) Minimum Rs.1012/Nil

CHARGES FEE BASED SERVICES RENTAL RATES OF Safe Deposit Lockers PER YEAR Area of the Locker in Cubic inches Rural

(In Rupees) Semi-urban

Urban

Metro

Up to 750 751 to 1100 1101 to 1600 1601 to 2100 2101 to 3100 3101 to 4100 4101 to 6500

730 786 1571 1684 2918 3367 4490 Classic cards 300/300/Classic International/ City Specific 400/400/-

730 786 1684 1908 3143 3367 4490 Gold/Global

786 898 1796 2020 3143 3592 4490 Corporate Classic group Nil 250 x 3

898 1010 2245 2582 3367 3816 4490 Corporate Gold group Nil 500 x 3

Credit Card Fee Structure


Fee structure

Entrance Advance Annual Fees

Rs 1000/Rs 1000/-

Add-on Cards are issued free of cost.

Charges (not an exhaustive list) Card replacement charges(for Lost/Stolen or any other reason) - Rs 150/- . Card hotlisting charges Rs.200/-. Cash handling charges 3% of the amount withdrawn. For cash withdrawn from other Bank ATMs in India Rs.75/- extra. For cash withdrawn from other Bank ATMs outside India Rs.100/- extra. Transactions at Railways and Petrol Pumps 2.5% of the transaction amount with a minimum of Rs.10/-. Mark up of 2.50% for international transactions Revolving credit charges 1.75% p.m.(or 21% p.a.)

Note: In addition to above, service tax, if applicable at applicable rates will also be charged. ALL THE ABOVE FEES/CHARGES WILL BE BILLED AT CARD DIVISION, HO Charges levied at the branch Charges on amount unpaid at the branch < /span> 2.25% p.m.(or 27% p.a.) Penalty of Rs 150/- for Classic Card issued life time free in case balance falls below Rs 10000/- in the Savings/Current Account. Penalty of Rs 500/- for Gold/Global Card issued life time free in case balance falls below Rs 25000/- in the Savings/Current Account

Fees/charges indicated here are as prevalent currently and are liable for change from time to time

Debit Card charges Entrance Fee Free - for Non photo Rs 100/- for Photocard

Hotlisting of the card Rs 50/Card replacement Rs 100/PIN regeneration Rs 25/- per request Cancellation charges Rs 100/(Applicable if cancelled in the first card year) Transaction Charges Vijaya Bank NFS Member banks ATM ATM Cash withdrawal per transaction Rs 13/Free Balance Enquiry per transaction Free Free The Charges for using VISA ATMs are Particulars Domestic International Cash withdrawal per transaction Balance Enquiry per transaction Decline transaction for insufficient funds Other Charge Surcharge Charges for request for copy of charge slip i) for transactions at our merchants ii) for transactions at other banks merchants Mark up Rs 20/Free Free Rs 125/Free Free

2.50% or Rs 10/- whichever is higher on transactions at Railways/Petrol Pumps Rs 100/Actuals with a minimum of Rs 100/2.50% for international transactions

Note : In addition to above, service tax, if applicable at applicable rates will also be charged. Fees/charges/limits indicated here are as prevalent currently and are subject to revision by the bank from time to time REMITTACES Individuals Sl Other than Services No individuals Other than rural Rural 1. Service Charges on DD / MT / TT Up to Rs 1, 000/Above Rs 1,000/- up to Rs 5,000/Above Rs 5,000/- up to Rs 10,000/Rs.30 Rs.40 Rs.40 Rs 2.50 per thousand or part thereof with a minimum of Rs.50/Rs.2.50 per thousand or part thereof with a minimum of Rs 250/-< /span> Rs.2.25 per thousand or part thereof, with a minimum of Rs.2500/- and maximum of Rs.12000/Rs.25 Rs.35 Rs.35 Rs 2.50 per thousand or part thereof with a minimum of Rs.40/Rs.2.25 per thousand or part thereof with a minimum of Rs 250/-< /span> Rs.2.00 per thousand or part thereof, with a minimum of Rs.2300/- and maximum of Rs.10000/Rs.20 Rs.30 Rs.30 Rs 2 per thousand or part thereof with a minimum of Rs.35/Rs.2 per thousand or part thereof with a minimum of Rs 200/Rs.2.00 per thousand or part thereof, with a minimum of Rs.2300/- and maximum of Rs.10000/-

Above Rs 10,000/- up to Rs. 1 lakh

Above Rs 1.00 lakh up to Rs.10 lakhs

Above Rs.10 lakhs

2. OutStation Cheques Collection

Upto Rs.10, 000/Above Rs.10,000/- upto Rs 1,00,000/Above Rs. 1,00,000/-

Not Exceeding Rs. 50/- Per Instrument Not Exceeding Rs. 100/- Per Instrument Not Exceeding Rs. 150/- Per Instrument

3. Handling Charges for Bills / Cheques Returned Unpaid a) Local cheques: Cheques issued by our account holders but returned unpaid by us through clearing or across the counter for want of funds and / or cheques deposited by our account holders but returned unpaid by other banks for want of funds: i) In case of SB Account N.A. Rs.35 for deposited Rs.30 for deposited cheque returned. cheque returned Rs.85 for issued Rs. 60 for issued cheque returned cheque returned Rs.60 for deposited Rs.60 for deposited Rs.60 for deposited ii) In case of Current / CC(M)/ cheque returned Rs. 200 cheque returned Rs. cheque returned Rs. CC(H)/ Accounts for issued cheque Rs.150 for issued 120 for issued returned cheque returned cheque returned b) Outstation cheques & Local / Outstation Bills 50% of the prescribed 50% of the 50% of the collection charges as prescribed prescribed collection prescribed above subject collection charges as charges as In all cases to a minimum of Rs.100 prescribed above prescribed above subject to a subject to a minimum of Rs.75 minimum of Rs.60 4. Electronic Products a b INWARD RTGS/NEFT/ECS transactions FREE (NO CHARGES) OUTWARD TRANSACTIONS RTGS - Rs. 1 to 5 Lakhs Not Exceeding Rs.25 per Transaction Rs. 5 Lakhs & above Not Exceeding Rs.50 per Transaction NEFT - Upto Rs. 1 Lakhs Not Exceeding Rs.5 per Transaction Rs. 5 Lakhs & above Not Exceeding Rs.25 per Transaction Banks may prescribe charges not higher than cheque return charges for ECS debit returns These charges shall be applicable to all types of transactions, including inter bank tranfers

c d

5. Issuance of Cheque Books in all centres i) Current / CC (M) / CC (H) a/c

with effect from 19.08.2010


Rs. 5/- per cheque leaf i) 50 free cheque leaves per calendar year Rs. 3/- per cheque leaf i) 50 free cheque leaves per calendar year ii) Rs.3/- per cheque leaf over and above 50 free cheque leaves per calender year Rs. 10/- per cheque leaf

Rs. 5/- per cheque leaf

ii)

SB accounts

i) No free cheque book ii) Rs. 5/- per cheque leaf

ii) Rs.3/- per cheque leaf over and above 50 free cheque leaves per calendar year

iii) Multi City Cheques (Applicable for CBS Rs. 10/- per cheque leaf Rs. 10/- per cheque leaf branches) 6. Certification fee Certificates issued on behalf of clients by the branches / offices, like Rs. 150/- per Rs. 100/- per Certificate of constitution, Certificate occasion occasion of ownership / Names of partners,

Rs. 60/= per occasion

Proprietors etc. Issue of No Objection Certificate Rs. 150/= per Rs. 100/= per Rs. 60/= per (NOC) and No Due Certificate (NDC) occasion occasion occasion Note: No charges to be levied for issuing NOC/NDC to the applicants belonging to weaker sections (refer HOC 103/07)/ Government sponsored schemes

PERFORMANCE HIGHLIGHTS PRESS RELEASE JULY 28, 2011 QUARTER ENDED 30


TH

JUNE, 2011

PERFORMANCE HIGHLIGHTS

CROSSED TOTAL BUSINESS OF RS.127000 CRORE INTEREST INCOME INCREASED TO RS.1785 CRORE HIGHLIGHTS The Bank clocked total business of Rs.127000 crore Interest income reached all time high of Rs.1785 crore Operating profit improved to Rs.326 crore Deposits increased by 21% Advances increased by 22%

Yield on advances improved to 11.31%

With Deposits of Rs.75877 crore and advances of Rs.51130 crore, business mix of Vijaya Bank reached Rs.127007 crore as on 30.06.2011. With focus on retail, NPA management and improving fee based income, the Bank envisages to post decent all round growth in the days to come, said Mr. H S Upendra Kamath, Chairman and Managing Director of the Bank. Interest income of the Bank for the 1 st quarter of 2011-12 was Rs.1784.96 crores against Rs.1349.53 crore for the corresponding period of the previous year. Operating profit of the Bank improved to Rs.325.51 crores against Rs.314.26 crores for the corresponding period of the previous year and Rs.110.00 crores for the immediately preceding quarter. During June, 2011 quarter, the Bank made provision towards NPA of Rs.154.28 crores of which Rs.108.37 crores is due to the increase in the minimum provisioning requirement by Reserve Bank of India. Further, due to firming up of interest rates, the Bank had to provide Rs.76.60 crore towards MTM losses in respect of investments. In spite of this, the Bank posted net profit of Rs.72.22 crores for the quarter. Yield on advances improved to 11.31% from 9.84% i.e. by 147 bps. Capital to Risk Weighted Assets Ratio (CRAR) stood at 13.04% (Basel-II) with Tier I ratio at 9.36% and Tier II ratio at 3.68%. CRAR of the Bank is well above the minimum stipulated level of 9% by Reserve Bank of India. Total advances of the Bank as on 30.06.2011 increased by 22% over the position as on 30.06.2010 and 3.80% over the position as on 31.03.2011. Advances of the Bank include Priority Sector advances of Rs.15071 crores which recorded an increase of 8.05% (Y-oY). While agriculture advances improved to Rs.5523 crore registering a growth of 10.17%, MSME advances increased to Rs.7669 crores registering considerable growth of 46%. Advances to weaker section constitute 7.69% of ANBC and loan to Women constitute 5.73%. Education loans extended by the Bank reached Rs.607 crores registering a growth of 11.17%. Major developments during the quarter: Total ATMs installed by the Bank reached 552. V-Insta debit card has been launched. E-term deposit launched. Expanded the ATM-cum-Debit card base to over 16 lakh cards Corporate Agency arrangement with LIC of India for distribution of Life Insurance products Revamped Retail Asset Centralized Processing Cells along with opening of SME cells for improvement of retail credit both in terms of quantum and quality

GUIDANCE - MARCH 2012


1. Bank aims to reach a business level of Rs.153000 crore, with a y-o-y growth of about 25%. 2. To sustain the tempo of credit growth with focus on retail. 3. Revamped RACPCs and newly opened SME cells to give added thrust to retail asset growth. 4. Increased focus on improving the CD ratio further with emphasis on quality business. 5. Continued thrust on maintaining the yield on advances by encouraging retail lending, credit to SSI/SME segment, agriculture and infrastructure sectors. 6. Focus on fee based income. 7. Net NPA to be contained within 1%. 8. Special campaign for adding retail clients both on assets and liabilities side. 9. Emphasis on mobilizing low cost deposits / core term deposits to improve share of low cost deposit and to reduce the dependence on bulk deposits. 10.To restrict addition to Non Performing Advances and continuous monitoring of HC-2 and Non Performing Advances to achieve maximum recovery as well as up gradation. 11.Control on operating expenses and elimination of avoidable expenses. 12.Better management of cash holdings and bank balances. 13.Focus on increasing treasury profits from Forex and Domestic segments and through derivatives trading. 14.Improving productivity through faster technology penetration, redeployment of staff to new branches, marketing new products and services to the expectations of the customer requirements. 15.Efforts towards Brand Building exercise.

V Platinum Current Account


Who Can Open an Account

All the High Net-worth Individuals, corporates, institutions, Government departments, Government undertakings, reputed commercial organisations, etc., come within the purview of the above scheme. Minimum Balance Requirement Account to be opened with a minimum balance of Rs.5.00 lakhs and above and maintaining a quarterly average credit balance of Rs.5.00 lakhs. The existing Current Account holders who are maintaining quarterly average credit balance of Rs. Five lakhs and above during the previous quarter may also opt for the above deposit scheme by giving a simple request letter.

Benefits

Free cheque book Free unlimited remittances through NEFT/RTGS Free unlimited Intersol transactions (Transfer transactions only) Free unlimited cheque collections Free unlimited issuance of DDs Free cash deposits upto Rs. two lakhs per day Free online tax payment (direct tax, indirect tax, TDS) Option for sweep facility (balances above Rs.5 lakhs in multiples of Rs.50,000.00 for a period ranging from 7 days to 91 days (V-Plus Term Deposits) ) without penalty for premature withdrawal. No charges for standing instructions / stop payment instructions Free corporate credit card with personal accident death

insurance cover of Rs.1 lakh. (Limit will be fixed as per the Bank's policy from time to time) Free V-Net and Mobile banking services No folio charges

Resident Foreign Currency (RFC) account

Credits to the AccountDebits to the Account A Non-Resident Indian upon his / her return to India can open, hold and maintain in India a Resident Foreign Currency (RFC) Account to keep his / her Foreign Currency assets. RFC Account can be maintained in the form of a Current or Savings or Term Deposit (minimum period 1 month, maximum period 3 year with applicable simple interest) account in cases where the account holder is an individual and in the form of current account or term deposit account in all other cases. Credits to The Account Following credits are allowed in RFC accounts : 1) Remittances from outside India representing

a) Funds in Bank accounts outside India held by NRIs b) Income such as dividend, interest, profit, rent etc. earned on eligible assets held abroad; c) Sale proceeds of eligible assets 2) Pension or other monetary benefits received from outside India arising out of employment taken up outside India prior to returning to India. 3) Interest earned on RFC account. 4) Foreign Currency Notes / TCs brought back by returning NRIs. 5) Balances in NRE / FCNR Accounts of the account holder. Debits to The Account The funds in a RFC account are free from all restrictions regarding utilisation of the Foreign Currency balances including any restriction on investment outside India. Definition of close relatives (as defined in the Companies Act) Two persons shall be deemed to be relatives if and only if, a) They are members of a Hindu Undivided Family or b) They are husband and wife or c) The one or the spouse of the one is related to the other or the spouse of the other as parent and child, grandparent and grandchild or brother and sister; d) The one is related to the other in the manner indicated in schedule I-A SCHEDULE I-A : List of Relatives 1. Father 2. Mother (including step-mother) 3. Son (including step-son) 4. Sons wife 5. Daughter (including step-daughter) 6. Fathers father 7. Fathers mother 8. Mothers mother 9. Mothers father 10. Sons son 11. Sons sons wife 12. Sons daughter 13. Sons daughters husband 14. Daughters husband 15. Daughters son 16. Daughters sons wife 17. Daughters daughter 18. Daughters daughters husband 19. Brother (including step-brother) 20. Brothers wife 21. Sister (including step-sister) 22. Sisters husband

V- MOBILE BANKING

OVERVIEW V-MOBILE BANKING provides the customers a secure and convenient means of banking and commerce from anywhere anytime just on press of a button on your mobile. V-MOBILE services are available both on SMS and GPRS. V-MOBILE is a secured payment channel since the customer does not compromise with information like the debit card number or pin. Basic requirements for V-Mobile banking service are: Customer having Savings / Current - proprietor/ Staff Overdraft account with our bank and issued with an ATM/Debit Card. Mobile handset should be Java enabled and should have at least one of the following features: GPRS (General Packet Radio Service) enabled Bluetooth

A)

B)

Provision to transfer data through Data Cable

CLICK for FAQ on V Mobile CLICK for FAQ on IMPS


REGISTRATION PROCESS @ ATM

Customer walks into the Bank's ATM to register V-Mobile Banking Service. Customer inserts/dips ATM card in the ATM. ATM prompts the Customer to enter ATM Card's PIN. Customer selects Mobile Banking Registration option in the ATM Menu. ATM prompts the Customer to enter his/her Mobile number. Customer should enter 10 digit Mobile number and select Confirm button. ATM prompts the Customer to re-confirm the Mobile number Customer re-enters the Mobile number and Confirms. ATM prompts the Customer to Select the Account Type options <CURRENT> or <SAVINGS> On validation, the ATMdisplays the message Your Mobile Number Registered successfully and prints the same. If customer details found invalid, then ATM displays Registration Failure. After successful registration, Customer receives SMS (Service SMS) to his/her Mobile from Bank containing Mobile Application URL link for downloading the Mobile Application Software and two passwords 1) Application password. 2) Activation code/mPin.

The customer Mobile handset is to be enabled for GPRS, customer downloads the application by clicking the URL link in the SMS message http://mobile.fssnet.co.in/MPAYPORTAL/MobileDownload and downloads the Mobile Banking application to his/her Mobile. OR Customer can download the Mobile Banking application related to their mobile hand set (Example: For Nokia Mobile application related to Nokia only ) from the web site of Vijaya Bank ( www.vijayabank.com ) to their PC and there after they have to transfer the application to their mobile hand set through Bluetooth or Data Cable. OR The Customer can also step into any of our branches to download the application related to their mobile and set.

Terms & Conditions Governing Mobile Banking Facility complete document

Click here for

Click below to Download software required for your mobile phone Mobile brand name below & install software.

Click on your

BlackBerry - Fullkey Board BlackBerry - Partialkey Board Karbonn - Fullkey BoardCDMA Karbonn - Fullkey BoardGSM Karbonn - Partialkey BoardCDMA Karbonn - Partialkey BoardGSM Lava - Fullkey Board-CDMA Lava - Fullkey Board-GSM Lava - Partialkey BoardCDMA Lava - Partialkey BoardGSM Lemon - Fullkey Board-

Micromax - Fullkey BoardCDMA Micromax - Fullkey BoardGSM Micromax - Partialkey BoardCDMA Micromax - Partialkey BoardGSM Nokia - Fullkey Board-CDMA Nokia - Partialkey BoardGSM Samsung - Fullkey Board Samsung - Partialkey - Board Sony Ericsson - Fullkey Board Sony Ericsson - Partialkey Board SONY - Fullkey Board-

CDMA Lemon - Fullkey Board-GSM Lemon - Partialkey BoardCDMA Lemon - Partialkey BoardGSM LG - Fullkey Board LG - Partialkey Board

CDMA SONY - Fullkey Board-GSM SONY - Partialkey BoardCDMA SONY - Partialkey BoardGSM

OTHERS

Windows_setup_CDMA Windows_setup_GSM

User Guidelines for IMPS What is IMPS? Interbank Mobile Payment Service (IMPS) is an instant interbank electronic fund transfer service through mobile phones under the aegis of National Payment Corporation of India (NPCI). IMPS facilitate customers to use mobile instruments as a channel for accessing their banks accounts and remitting funds there from. Now you can transfer funds to any other Bank instantaneously by using your Mobile number and an additional 7 digit MMID number. All Mobile banking customers of Vijaya Bank can avail the service under IMPS. How to avail IMPS? To avail the facility of IMPS, please register your mobile number with the Bank and get 7 digit MMID number. For receiving remittance, you will share your mobile number & MMID with the person sending money (remitter).You can register for Mobile Banking to use IMPS in the following ways: ATM Branches How to get MMID number? All our existing Mobile Banking activated customers will be issued 7 digit MMID for the primary account registered. Their unique MMID number generated from the system will be sent to their Mobile number via SMS. For Non Mobile Banking User MMID can be generated as follows: <MMID> to 9223173922 : This will register you for IMPS service and generate your MMID. 7 digit MMID number will be sent to you over SMS on the mobile number registered for SMS alerts service. All IMPS enabled banks will issue MMID to their Mobile Banking customers.

Users of Application based Mobile Banking can retrieve their MMID no. from the option Know your MMID incorporated under Fund transfer Other Bank Transfer of Funds using IMPS: For Application Based Mobile Banking, please follow the steps as under: Open the V-Mobile Application. Select Fund transfer option OTHER BANK Select IMPS Enter beneficiarys Mobile Number & MMID. Enter your Mpin and amount to be remitted. Immediately amount will be transferred. (maximum amount that can be transferred is Rs.25,000.00 in a day & number of Funds Transfers limited to 3 [Three] in a Day) You can also register beneficiary by his mobile number and his MMID if you do not want to avail IMPS.

For any Queries / Suggestions / Complaints please email to : imps@vijayabank.co.in

VMOBILE BANKING APPLICATION LOGIN PROCEDURE

Select the Mobile Application file from Application Folder in the mobile handset and Click Open to start the Application. Select First Time User and Click OK option. Please provide the following inputs one by one while First login and Click OK option Enter Mobile Application Password which was received through SMS Secret Question - secret answer Enter new Mobile Application password After Successful Activation, user will be prompted to change activation code received earlier on SMS during registration. Please provide the following inputs for changing the Activation Code as mPin and Click OK option. Activation code which was received through SMS (mPIN) New mPin ( Note: Login Password and mPin should not be same) Confirm new mPIN

On successfully changing the activation code /mPin, now VMobile Banking Main Menu will open successfully. Steps for using VMobile Application 1. Balance Enquiry Select Balance Enquiry. Enter your 4 digit mPin. Get balance of account on screen and inbox. Mini Statement i. Select Mini statement. ii. Enter your 4 digit mPin. iii. Get mini statement containing last 8 transactions of your account on screen and inbox.

i. ii. iii.

2.

3. Fund Transfer :
(maximum amount that can be transferred is Rs.25,000.00 in a day & number of Funds Transfers limited to 3 [Three] in a Day) Within the Bank Mobile to Mobile Select beneficiary registration. Enter beneficiary mobile number (to be a registered V-Mobile customer) and mPin to complete beneficiary registration. Go to Payment option and invoke the list of beneficiaries. Select beneficiary, Enter Amount and your 4 digit mPin. Get transaction successful message on screen and inbox. Beneficiary also gets an SMS. Note : For already registered beneficiaries the transaction process is from step iii to vi Mobile to Account

i. ii. iii. iv. v. vi.

i. Select beneficiary registration ii. Enter the 15 digit a/c number of the beneficiary iii. System fetches his name for your confirmation iv. Confirm and complete registration v. Go to payment option and invoke the list of beneficiary vi. Select beneficiary, Enter Amount and your 4 digit mPin. vii. Get transaction successful message on screen and inbox. Note : For already registered beneficiaries the transaction process is from step v to vii. 3.a. Fund Transfer: Other Bank NEFT [beneficiary registration]

i. ii.

Enter Beneficiary a/c number in other bank Enter other bank IFSC code (IFSC code search is available under funds transfer option other bank search IFSC) iii. Enter the beneficiarys full name to complete registration. NEFT Payment i. ii. iii. iv. Go to Payment option and invoke the list of beneficiaries. Select beneficiary, Enter Amount and your 4 digit mPin. Get transaction successful message on screen and inbox. Funds are transferred to the other bank account in batch mode at pre-decided frequencies by bank. v. All NEFT transactions initiated after RBI stipulated hours will be effected on the next working day.

4. My Services :
a) i. Bill Payment

Register the biller by selecting the appropriate category, then select the required biller & enter the correct information required. ii. Make payment: A. Registered Bill Payment Select the registered biller, confirm by selecting full /minimum /part /excess payment. Enter mPin and receive the successful message on screen and inbox. B. Ad-hoc Bill Payment (Next Phase) Select appropriate category, then biller, then details of the bill and make payment by confirming the details fetched. Get transaction successful message on screen and inbox. iii. b) If needed delete the biller by selecting Delete Biller option and then selecting the biller from the list. Airline Ticketing

Booking & Payment r mPin, start place, destination, date of journey, select class, no. of passengers. ct Airline from the list. ect the appropriate flight. er the booking persons details and passengers details. firm by entering mPin. transaction successful message on screen and inbox. Payment Only i. Select Airline. ii. Enter mPin, Booking Reference No.(BRN). iii. Confirm the details by entering mPin. iv. Ticket confirmation will be sent as an SMS to the users mobile with a copy to registered E-Mail.

c)

Movie Ticketing i. Enter mPin, city, language, no. of tickets and date. ii. Select theatre from the list provided. iii. Select movie and timings. iv. Confirm the booking by entering your mPin. v. Successful message will be received on screen and inbox.

d)

Shopping (Next Phase) i. Enter mPin, amount and merchants mnemonic name. ii. Confirm by entering the mPin. iii. Receive the successful transaction message on screen and inbox, after the merchant approves the transaction.

e) Mobile Recharge i. Enter mPin and mobile number (to be charged). ii. Select the amount with which you want to recharge the prepaid mobile number. iii. Confirm by entering the mPin. iv. Get transaction successful message on screen and inbox. f) i. Corporate Fund Transfer (Next Phase)

Register the distributor by searching the corporate, then sub-corporate and then confirm it by entering the mPin. ii. Make payment by selecting the appropriate registered distributor, enter amount, invoice number and confirm the transaction. iii. Set per day and transaction amount limit for any registered distributor in Standing Instruction option. g) Temple Donation (Next Phase) i. Select temple for which you want to make donation. ii. Select temple donation scheme. iii. Enter the amount and confirm the transaction. iv. Get successful transaction message on screen and inbox. Fees Payment (Next Phase) i. Register the institute by selecting the institute from the list. ii. To make payment, enter roll no, confirm the details. iii. Select the category (tuition or hostel) and payment options. iv. Enter appropriate information and confirm the payment. v. Get transaction successful message on screen and inbox. Other Services Stop Cheque : Enter mPin and cheque number. Get successful message if cheque is not already paid. Cheque Status :Enter mPin and cheque number. Get the successful message on status of the cheque. Block Card : Hot list the debit card by entering the mPin. Locator : ATM Locator Locate banks ATM using pin code or the location. Branch Locator Locate banks branch using pin code or the location.

h)

i) i. ii. iii. iv. a. b.

5. Request to Bank
i. Request for Cheque Book Enter mPin and your request will be registered. ii. Request for A/C statement Enter mPin and request for a/c statement will be logged.

6.
iii. iv. v. vi.

Request for Fixed deposit Enter mPin and request will be logged. Request for Loan Enter mPin and request will be logged. Request for Credit Card Enter mPin and successful request will be logged. Request for New Account Enter mPin and request will be logged.

6. My Setup

ble or Disable Transaction Enable or disable the transactions in your application. AY Service Number Customer can change the service number from VMN to Short Code and Short Code to VMN at any point of time. The difference is that Short Code is little faster in sending the message than VMN but the charges will be little higher than VMN. Short code will work inside INDIA and VMN will work from all over the world. RS URL A service URL has been provided. Please do not change it. ve Messages in Application in Memory Select Yes in order to save the messages received in the inbox. mmunication Mode Communication mode can be set up as per the customers choice. a. GPRS b. SMS. ail id Configuration : This can be configured for receiving mails while booking tickets. Enter mPIN and incorporate email ID. AP Option (Next Phase) ange Application Password : This option is used when the customer deregisters and registers his mobile number in the ATM and uses the existing application with old user login password then the application will prompt to change the application password. ange Login Password : This option is used to change the application login password which is stored in the mobile application itself. 7. Change mPin : If you want to change your mPin, select this option. Then enter your old mPin, after that enter your new mPin, then re-enter your new mPin, Click Yes for Allow application VMobile to send text message?. Refer a Friend Enter mPin, friend name, mobile number and email id of whom you want to enjoy the benefits of Mobile banking of the bank. Feedback/ complaints : Customer can give the feedback and also register complaint. the friend

8.

9.

the

10.

Inbox : Inbox includes last five responses received. It may be Balance enquiry, mini statement, fund transfer done or fund transfer received, bill payment, ticket booking,

shopping, mobile re-charge, corporate fund transfer, temple donation, fees payment, cheque status, stop cheque request, locating any ATM or branch, hot listing the card, any request to the bank through V-Mobile.

CUSTOMER RELATIONS
VIJAYA BANK INFORMATION ABOUT VIJAYA BANK AS REQUIRED UNDER THE RIGHT TO INFORMATION ACT 2005 Subject to the provisions of the Act, every public authority shall publish the Information about their organisation for the customers. Accordingly, the Bank submit the following information for information and use of the customers. Item No. Provision Details Vijaya Bank is a Nationalised Scheduled Commercial Bank. The Bank is celebrating its Platinum jubilee during the current financial year as it was established in 1931. The Bank was nationalised on 15.04.1980 under the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1980 and Nationalised Banks The particulars of Organisation, (Management & Miscellaneous Provisions) 4.1 b functions and duties Scheme 1980. The Bank is also governed by the Banking Regulation Act, 1949 and is engaged in various businesses as fully defined under Section 6 of the said Act. Presently the Govt. of Indias share in the Banks equity works out to 53.87%. The Bank is managed by a duly constituted Board of Directors. The present strength of Board of Directors of the Bank is 12, comprising of 2

Executive and 10 Non-Executive Directors having expertise in various fields. The particulars of Board of Directors are furnished in Table-1 below

TABLE 1 - Position as on 20.05.2011 Name of the Sl.No. Designation Director Sri. H.S. Upendra Chairman & Managing 1 Kamath Director Mrs.. 2 Shubhalakshmi Executive Director .Panse 3 4 5 6 7 8 9 10 Sri. L.K. Meena Govt. NOminee Director

Nature of Directorship Executive Executive Non Executive Non Executive Non Executive Non Executive Non Executive Non Executive Non Executive Non Executive

Smt. Suma Varma RBI Nominee Director Sri. Suresh Kamath Workmen Director Smt. Bharati Rao Shareholder Director

Sri. Nishank Kumar Shareholder Director Jain Sri P Vaidyanathan Shareholder Director Sri. B. Ibrahim Non Official Director

Sri. Prakash Non Official Director Chandra Nalwaya

Organisation Structure The organizational structure of the Bank consists of three tiers viz., Head Office, Regional Offices and branches. The Head Office of the Bank is located in Bangalore (41/2 M G Road, Bangalore 560 001, Phone No. 080 25584066, Fax 080 25598040, email vijbank@vsnl.com, website :(www.vijayabank.com). The Bank has also set up 20 Regional Offices to exercise immediate supervision and control over the branches under their jurisdiction.

All Regional Offices are headed by experienced Executives in the Senior/Top Management Grade. Further, as the extended wings of the Central Inspection Department, the Bank has set up 9 Regional Inspectorates. ORGANIZATIONAL STRUCTURE OF HEAD OFFICE Head Office has various functional departments that are instrumental in policy formulation and monitoring the performance of regions. Organizational structure of Regional Offices The Bank has set up 20 Regional Offices to exercise immediate supervision and control over the branches under their jurisdiction. These Regional Offices report to different functional departments at the Head Office. The jurisdiction of different Regional Offices is indicated in table below:-

Sl.N Region o. 1 Ahmedabad 2 3 4 5 6 7 Bangalore North Bangalore South Chandigarh Chennai Delhi Guwahati

Jurisdiction

All branches in the State of Gujarath Some branches of Bangalore Urban and Bangalore Rural 58 District Some branches of Bangalore Urban ,Bangalore Rural 55 District & Kolar District. Branches in the states of Punjab , Chandigarh , Jammu & Kashmir, Uttaranchal & Himachal Pradesh and some 55 branches of Haryana and shahranpur. Branches in the State of Tamilnadu and the Union 77 territories of Pondicherry & Andaman Nicobar Branches in Delhi , Rajasthan, & some branches in Uttar 75 Pradesh and Haryana. Branches in North Eastern States viz., Tripura, Mizoram , 25 Assam , Arunachal Pradesh, Nagaland, Meghalaya,

No. of branches (as on 31.01.10) 47

Hubli

Hyderabad

Manipur Branches in Gadag, Bijapur, Dharwad, Belgaum , Bidar, Gulbarga , Raichur, Bagalkot, Bellary , Hubli, & Koppal 70 districts in Karnataka State and branches in Goa. Branches in Ananthapur, Cuddapah, Hyderabad , Secunderabad, Karimnagar, Khammam, Kurnool , 59 Mahboobnagar, Nizamabad, Rangareddy & Warrangal districts of Andhra Pradesh Branches in Kerala except in Kasargod district Branches in Chattisgarh, Jharkhand, West Bengal , Orissa, Bihar , Sikkim Some branches in Uttar Pradesh and Nainital branch 69 62 62

10 11 12 13 14 15 16 17

Kochi Kolkata Lucknow Mangalore Mumbai Mysore Shimoga Udupi

Branches in Mangalore district of Karnataka State and 71 branches in Kasargod district of Kerala State Branches of Greater Mumbai & Thane Dist in Maharashtra 62 State . Branches in Mysore,Mandya, districts of Karnataka State 59

18

Vijayawada

19 20

Nagpur Hassan

Branches in districts of Shimoga, Haveri,Chitradurga, 36 Davangere, of Karnataka State Branches in Udupi & Uttar Kannada districts of Karnataka 69 State Branches in Chittoor, East Godawari , Guntur , Krishna , Nellore , Prakasam, Srikakulam, Vishakapatnam, 43 Vizianagaram & West Godwawari districts of Andhra Pradesh State Branches located in the States of Maharashtra (other than branches located in Greater Mumbai and Thane District), 51 Madhya Pradesh and Chattisgarh. Branches in districts of Hassan, Chickmagalur of Karnataka 53 State 1158 REGIONAL INSPECTORATES As

TOTAL

extended wings of the Central Inspection Department at Head Office the Bank has set up 9 Regional Inspectorates. S.NO REGIONAL INSPECTORATES REGION (as on 31.01.10) 1 DELHI DELHI CHANDIGARH LUCKNOW 2 3 4 5 6 7 8 9 MUMBAI HUBLI HYDERABAD KOLKATA MANGALORE MYSORE CHENNAI BANGALORE AHMEDABAD MUMBAI HUBLI SHIMOGA HYDERABAD VIJAYAWADA KOLKATA GUWAHATI MANGALORE UDUPI MYSORE CHENNAI KOCHI BANGALORE NORTH BANGALORE SOUTH CURRENCY CHEST To help the branches in optimum cash management, the Bank has established 29 Currency Chests. Sl.No. Currency Chests (as on 31.01.10) Sl.No. Currency Chests (as on 31.01.10) 1 DELHI 16 SHIMOGA 2 MUMBAI 17 UDUPI BANGALORE - TRINITY 3 18 AHMEDABAD CIRCLE 4 HYDERABAD 19 TIRUVALLA 5 LUCKNOW 20 NETTOOR 6 COIMBATORE 21 PUTTUR 7 PATNA 22 JAIPUR 8 HUBLI 23 HASSAN 9 VIJAYAWADA 24 MORADABAD 10 CHENNAI 25 BHUBANESHWAR 11 MYSORE 26 MADURAI

12 MANGALORE 27 BANGALORE - MALLESHWARAM 13 TIRUPATHI 28 KURNOOL 14 KOLKATA 29 RAJAHMUNDRY 15 KUNDOTTY SERVICES BRANCHES In addition to the branches in the field level, the Bank has opened 12 service branches, which handle the working relating to collection of instruments drawn on branches in these centers and also attend to clearing functions. Sl.No. Service Branch(as on 31.01.10) Sl.No. Service Branch (as on 31.01.10) 1 DELHI 7 HYDERABAD 2 BANGALORE 8 MANGALORE 3 KOLKATA 9 AHMEDABAD 4 CHENNAI 10 LUCKNOW 5 MUMBAI 11 MYSORE 6 KOCHI 12 HUBLI BRANCHES The Bank has opened 1151 branches (position as on 31.01.10). The State wise distribution of branch net work is indicated in Table below:BRANCHES (as on 31.01.10) STATE SEMI SNO METRO URBAN RURAL TOTAL URBAN 1 2 3 4 5 6 7 8 9 10 11 12 ANDAMAN & NICOBAR 0 ANDHRA PRADESH ARUNACHAL ASSAM BIHAR CHANDIGARH CHATTISGARH DELHI GOA GUJARAT HARYANA HIMACHALPRADESH 27 0 0 2 0 0 37 0 24 1 0 0 36 0 9 5 3 4 0 0 13 14 1 1 19 2 4 1 0 0 0 5 8 4 3 0 19 1 0 0 1 0 0 0 2 1 0 1 101 3 13 8 4 4 37 5 47 20 4

SNO 13

STATE JAMMU & KASHMIR

BRANCHES(as on 31.01.10) SEMI METRO URBAN URBAN 0 3 0

RURAL TOTAL 0 3

14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

JHARKHAND KARNATAKA KERALA MADHYA PRADESH MAHARASHTRA MANIPUR MEGHALAYA MIZORAM NAGALAND ORISSA PONDICHERRY PUNJAB RAJASTHAN SIKKIM TAMILNADU TRIPURA UTTAR PRADESH UTTARANCHAL WEST BENGAL TOTAL

0 64 0 4 56 0 0 0 0 0 0 5 3 0 23 0 27 0 21 294

6 77 22 9 27 1 2 1 0 8 2 12 15 0 27 1 38 4 12 352

1 89 54 0 10 0 0 0 2 0 0 9 2 1 19 0 4 1 2 241

0 220 6 0 1 1 0 0 1 0 0 1 1 0 6 0 1 0 2 264

7 450 82 13 94 2 2 1 3 8 2 27 21 1 75 1 70 5 37 1151

The list of branches giving the address, contact numbers are furnished in the Banks website viz., (www.vijayabank.com) under search for 'Branch / ATM' Item No. Provision Details 4.1 b (ii) The powers and duties of The officers of the Bank have been delegated with officers and employees powers to discharge their functions to carry on the business of the Bank as defined under Section 6 of the Banking Regulation Act, 1949. Some of the powers are as follows : 1. To receive and sign and give effectual receipts and discharges for all and any moneys which shall come into his/her hands. 2. To receive and pay deposits on terms and conditions to be determined from time to time by the Board of Directors of the Bank and to issue and

sign receipts and Pass Books with regard to such Deposits thus received and paid and also to pay interest on Fixed and other Deposits in accordance with the rates fixed and determined by the Board of Directors of the Bank from time to time or specially in any case. 3. To open, to operate upon and close Accounts on behalf and in the name of the Bank with Banks, Bankers and others in and outside India and to overdraw on such Account or Accounts and for all such purposes to draw, sign and issue cheques, Receipts and discharges or other instruments in such manner as to him/her may appear requisite or advisable and periodically to examine, state, settle and adjust accounts pending between the Bank and any person or persons whatsoever. Details 4. To invest moneys belonging to the Bank or to pay any customers in Government Securities, Trustee Securities, Debentures or shares of any Public Body or Local Authority and to make advances to customers in due course of business. 5. To guarantee in due course of business the due performance by any customer of the Bank of his/her obligation arising out of any contract entered into with the third party or on account of any other liability to a third party. 6. To collect interest and dividends on Promissory Notes, Loans, Stocks, Bonds or Obligations of any Government State or Local Authority, Municipal Body incorporated or not or any Company or other Corporation and the Shares, Stocks and Debentures, Stocks (whether perpetual or otherwise) of any Railways, Banks or other Joint Stock Companies or Co-partnerships or other Securities and investments of all kinds and to receive pensions, pay, rents or other income. 7. To pledge, mortgage, endorse, dispose of, turn into account or otherwise deal with any of the Government Securities, Trustee Securities or other approved Securities standing in the name of the Bank and to do all such things as are incidental or

Item No.

Provision

Item No.

Provision

conducive to the attainment of the above objects, including the borrowings or raising or taking of money. Details 8. To make, sign, endorse, purchase, sell, discount or accept Cheques, Drafts, Hundies, Bills of Exchange and Negotiable and Mercantile instruments in the name and on behalf of the Bank. 9. To act on behalf of the Bank in all matters incidental to or arising out of Bankruptcy or Insolvency or any composition or any other arrangement with the creditors of any person or persons indebted or under liability to the Bank or claimed so to be or in the winding up of any Company so indebted or under liability or claimed so to be. 10. To demand, collect, receive and give effectual bonafide discharges of in the name and on behalf of the Bank all debts, advances and claims due to the Bank; further to take and use all lawful proceedings and means for recovering and realizing the said debts and advances and also to commence, prosecute and defend at law all actions, suits, claims, demands and disputes. 11. To institute, prosecute or defend answer or defend, answer or oppose all actions, suits and other legal proceedings relating to the business of the Bank in any Civil or Criminal Court of Judicature in or outside India and therein to proceed to judgement or execution thereon or to transfer the decree in favour of the Bank and generally to do all such acts, deeds and things as the said officer shall think expedient. Details 12. To manage or superintend the Management of all business and estates of whatever tenure to which the Bank is or may become possessed or entitled. 13. To enter into leases except perpetual leases, to take effective possession of all or any of the freehold or leasehold properties of the Bank, to accept surrender of leases and tenancies and to demand, sue for, collect and give effectual

Item No.

Provision

discharges for rents and profits. 14. With the previous sanction of the management from time to time to adjust, settle, withdraw, compromise or submit to a arbitration any demands, disputes and matters touching any of the matters aforesaid or any other matters which are subsisting or which may hereafter arise between the said Bank and any other person or persons. 15. With the previous sanction of the management from time to time to compound and to accept part in lieu and in satisfaction for the whole of or compromise any debt or sum of money now or hereafter owing or payable to the Bank or any other claim or demand which the Bank has or to grant extension of time for the payment or satisfaction thereof upon such terms as may be deemed proper either with or without taking security for the same. Item No. Provision Details 16. To obtain assignments or transfers in the name of the Bank, of Shares of Joint Stock Companies or Insurance Policies and also to reassign, transfer, sell or surrender the same for and on behalf of the Bank. 17. To pay calls upon Shares and to vote at any meeting of any company of which the Bank is a Shareholder. 18. To administer estates entrusted to the Bank as Executor, Trustee, Administrator and the like. 19. To prepare and file Income-Tax or other Tax Returns on behalf of Customers and to appear before all Income Tax Tribunals. 20. To Act for and on behalf of the Bank as Attorney of Customers either appointed specially or generally. 21. To represent the Bank for purposes of Company Law or any other Act or Law of the Government, Central or State, now in force or hereafter to come into force in accepting service, filing Returns and documents and to act in all matters relating to the same in or outside India whether the Bank has or may hereafter establish offices. 22. To appoint and employ Agents, including

Item No.

Provision

Advocates, Vakils, Pleaders or other Legal Practitioners, Overseers, Receivers or other persons at such remuneration by way of fees, salary, commission or otherwise as the above named Attorney may think proper and from time to time dismiss and discharge them and to employ or appoint any other in their stead. Details 23. To do generally every thing requisite for all or any of the aforesaid purposes and also for other general Banking Business usually done by Joint Stock and other Banks.

24. Generally to sign, execute, do and perform such instruments, indemnity bonds, guarantees/ guarantee letters and other documents and all acts and things as may be requisite or necessary. 41 b (iii) a well defined system in the Bank regarding the decision making process. The Bank There is The procedures followed in functions under the overall supervision and control of Board of Directors of the Bank to decision making process, formulate the policies channels of the Banks functioning. For implementation of such policies, including pertaining to officers in various scalesand accountability powers depending on the hierarchy and the supervision are delegated with placement. All employees of the Bank in discharging their functions have to follow the Book of Instructions which covers the entire gamut of banking transactions. Wherever other functions are involved, they are governed by Manual of Instructions pertaining to each department. Apart from this, the Head Office is also issuing circular instructions from time to time conveying the changes in policies of the Bank for implementation by its officers. Officers, after due processing of the relevant subject matter/ papers, take decision on the merits. Any officer deviating from the laid down policies of the Bank is liable to be penalised under the Vijaya Bank Officer Employees (Conduct) Regulations, 1981 and Vijaya Bank Officer Employees (Discipline & Appeal) Regulations, 1981 Item No. Provision Details 1. To do generally every thing requisite for all or any of the aforesaid purposes and also for other general Banking Business usually done by Joint Stock and other Banks. 2. Generally to sign, execute, do and perform such instruments, indemnity bonds, guarantees/ guarantee letters and other documents and all acts and things as may be requisite or necessary. 41 b (iii) a well defined system in the Bank regarding the decision making process. The Bank There is The procedures followed in functions under the overall supervision and control of Board of Directors of the Bank to decision making process, formulate the policies channels of the Banks functioning. For implementation of such policies, including pertaining to officers in various scalesand accountability powers depending on the hierarchy and the supervision are delegated with placement. All employees of the Bank in discharging their functions have to follow the Book of Instructions which covers the entire gamut of banking transactions. Wherever other functions are

involved, they are governed by Manual of Instructions pertaining to each department. Apart from this, the Head Office is also issuing circular instructions from time to time conveying the changes in policies of the Bank for implementation by its officers. Officers, after due processing of the relevant subject matter/ papers, take decision on the merits. Any officer deviating from the laid down policies of the Bank is liable to be penalised under the Vijaya Bank Officer Employees (Conduct) Regulations, 1981 and Vijaya Bank Officer Employees (Discipline & Appeal) Regulations, 1981 Item No. Provision Details Further, our Bank has also evolved Model Policy on Bank Deposits Bankers Fair Practice Code for Credit Card operations Fair Practice Code for Bankers and Citizens Charter which are available on the banks website and at the branches/offices of the Bank. However, it should be noted that whether the sanction of a loan or not is the absolute discretion of the concerned sanctioning authority of the Bank and such discretion is exercised, after taking into consideration the relevant facts and circumstances of each case. 4.1 b (v) The rules, regulations, The Bank has brought out a large number of instructions, manuals and Manuals of Instructions Codified Circulars, records held by the Bank or Guidelines on Documentation, Scheme for under its control or used by its Delegation of Powers, besides the periodical employees for discharging its Circulars/Circular letters. These are being used by functions. the employees while discharging various functions. These are all meant only for internal circulation. 4.1 b (vi) A statement of the categories of These are mainly register of shareholders/record of documents that are held by the the proceedings of the AGMs, Board Meetings and Bank or under its control. various committee meetings, documents executed by customers/borrowers/ guarantors, contracts with third parties, etc. These documents are all private information and can not be shared with the public. Item No. Provision Details All the branches of the Bank have been computerized and data is held in electronic form which may be provided to the concerned customers or the various authorities as provided in various Statues. 4.1 b (vii) The particulars of any arrangement Presently, the banks shareholders can raise that exists for consultation with or issues concerning policies in the Annual representation by the members of the General Meetings. Further, the Banks public in relation to the formulation quarterly results/annual results/reports are of its policy or implementation published for the information of public, as well thereof as shareholders which would give an idea about the policies of the Bank and implementation

thereof. The Bank has set up a Customer Service Committee at the level of the Board comprising the following members : 1. Chairman & Managing Director Chairman of the committee

2. Executive Director Member 3. RBI Nominee Director Member 4. Non Official Director Member 5. Sri T. Rudrappa, Member (representing the customers) One member is representing the customers of the Bank. The decisions of the Committee are placed before the Board of Directors of the Bank if any policy changes are involved Provision Details A statement of the Boards, Councils, The Bank has constituted various Committees and other bodies consisting of committees of the Board:two or more persons constituted as its part or for the purpose of its advice, and as to whether meetings of those boards, councils, committees and other bodies are open to the public or the minutes of such meetings are accessible for public

Item No. 4.1 b (viii)

1. Management Committee of the Board 2. Audit Committee of the Board 3. Directors promotion Committee 4. Risk Management Committee 5. Special Committee to review fraud cases of Rs.1.00crore & above 6. Share Holders & Investors Grievances Committee 7. Share Transfer Committee 8. Customer Service Committee 9. Remuneration Committee 10. Nomination Committee 11. Committee to Settle Election Disputes 12. Committee to consider appeals preferred by employees against final orders issued by CMD as DA. 13. Allotment Committee

NAME OF THE COMMITTEE

MEMBERS

(Position as on 02.07.2011)
1. Mr. H.S Upendra Kamath (Chairman of the Committee) 2. Mrs.Shubhalakshmi Panse - Executive Director 3. Mrs. Suma Varma 4. Mr. Prakash Chandra Nalwaya 5. Mr. Nishank Kumar Jain 6. Smt. Bharati Rao 7. Shri. P. Vaidyanathan 1. Mr Prakash Chandra Nalwaya (Chairman of the Committee) 2. Mrs.Shubhalakshmi Panse - Executive Director 3. Mr. L.K. Meena 4. Mrs. Suma Varma 5. Mr. B. Ibrahim 1. Mr.H.S Upendra Kamath (Chairman of the Committee) 2. Mrs.Shubhalakshmi Panse - Executive Director 3. Mr. L.K. Meena 4. Mrs. Suma Varma 1. Mr. H.S Upendra Kamath (Chairman of the Committee) 2. Mrs. Shubhalakshmi Panse - Executive Director 3. Mrs. Bkharati Rao 4. Mr. P. Vaidyanathan 5. Mr. Suresh Kamath 1. Mr. H.S Upendra Kamath (Chairman of the Committee) 2. Mrs.Shubhalakshmi Panse - Executive Director 3. Mr.P. Vaidyanathan 4. Mr. Nishank Kumar Jain 5. Mrs. Bharati Rao 1. Mr. P. Vaidyanathan (Chairman of the Committee) 2. Mrs.Shubhalakshmi Panse - Executive Director 3. Mr.B. Ibrahim 4. Mrs. Bharati Rao 5. Mr. Nishank Kumar Jain 1. Mr.H.S Upendra Kamath (Chairman of the Committee; in his absense Executive Director) 2. Mr. Suresh Kamath 3. Mr. Nishank Kumar Jain 1. Mr.H.S Upendra Kamath (Chairman of the Committee) 2. Mrs. Shubhalakshmi Panse - Executive Director 3. Mr. T Rudrappa - Member representing the customers 4. Mr. B. Ibrahim 5. Mr. Suresh Kamath 1. Mr. L.K. Meena (Chairman of the Committee) 2. Mrs. Suma Varma 3. Mr B. Ibrahim

Management Committee

Audit Committee

Directors Promotion Committee

Risk Mgt. Committee

Spl. Committee to review fraud cases of Rs.1 crore and above

Share Holders and Investors Grievances Committee

Share Transfer Committee

Cust. Services Committee

Remuneration Committee

Nomination Committee

1. Mr. L.K. Meena (Chairman of the Committee) 2. Mr. B. Ibrahim 3. Mr. Prakash Chandra Nalwaya

1. Mr. L.K. Meena Committee to dispose off appeals preferred by employees 2. Mrs. Suma Varma where the CMD is the Diisciplinary Authority 3. Mr. Prakash Chandra Allotment Committee

Nalwaya

1. Mrs. Shubhalakshmi Panse 2. Mr. Ranjan Shetty 3. Mr. B. Ibrahim

Management Committee Board The Management Committee of the Board has been constituted to consider various business matters of material significance like sanction of limits whether fund based or non fund based twice the limits enjoyed by the Chairman & Managing Director, Compromise/write off, sanction of capital and revenue expenditure, premises, investments, donations, etc. The committee exercises such powers as may be delegated to it by the Board with the approval of Central Government and concurrence of RBI. The management committee consists of the following Directors as members:1. 2. 3. 4. Chairman & Managing Director Executive Director Non - Official Director appointed under CA category [ Permanent member ] Three Non-Official Directors for a period of 6 months, each on rotation basis.

Audit Committee of Board (ACB) The ACB provides direction as also overseas the operation of the total audit function in the Bank. Comprising the organisation and quality control of internal audit and inspection within the Bank and follow up the statutory/external audit of the Bank and inspections of RBI. The committee specially focuses on the follow up on 1. 2. 3. 4. 5. Inter branch adjustment a/cs Unreconciled long standing entries in Inter Branch accounts & NOSTRO accounts Arrears in balancing of books at various branches frauds major areas of house keeping. The Audit Committee of the Board comprises of 5 Directors, with Non-Executive Independent Director with financial knowledge as the Chairman of the Committee.

Audit Committee Board The committee consists of the following Directors :1. Sri. Prakash Chandra Nalwaya- Chairman of the committee. 2. Executive Director - Member 3. Govt. Nominee Director - Member

4. RBI Nominee Director - Member 5. One Non-Official Director - Member The functions of Audit Committee includes the following:

Overseeing the Banks financial reporting process and ensuring correct, adequate and credible disclosure of financial information. Reviewing with the Management, Financial statements with special emphasis on accounting policies and practices, compliance of accounting standards and other legal requirements concerning financial statements, qualifications in the audit report, compliance with stock Exchange guidelines and legal requirements concerning financial institutions, related party transaction, etc. Reviews the findings of investigation by the internal auditors in the matters where fraud is suspected or irregularity or failure of internal control system is observed and suggests strengthening of control mechanism. Interacts with Statutory Central Auditors before the finalization of the annual/half yearly and quarterly accounts and reports, focusing on the changes in accounting policies and practices and qualifications in the draft Audit Report. Looking into the reasons for substantial defaults in the payments to the depositors, shareholders, debenture holders and creditors, if any.

Shareholders/Investors Grievances Committee The Shareholders/Investors Grievances Committee has been constituted by the Bank with the purpose of redressal of shareholders and investors complaints on the matters of their interest with the following nominees as members of the committee.

Shareholder Director Chairman of the Committee Executive Director - Member Shareholder nominee Director - Member Shareholder nominee Director - Member

Share Transfer Committee The Bank has constituted a Share Transfer Committee of Directors with Chairman & Managing Director or Executive Director (in the absence of C&MD) and one Shareholders Nominee Directors & one Non-Official Director, as its members. The committee meets once in 15 days with a view to effect speedy transfer of shares. Risk Management Committee To devise Risk Management policies and strategies for integrated risk management in the Bank, the Bank has constituted the Risk Management Committee of the Board, consisting of the following members:1. Chairman & Managing Director

2. Executive Director 3. Three Directors [ Non-Official / Shareholder Directors ] Committee to Review Fraud Cases With a view to provide focused attention on monitoring of frauds involving amounts of Rs.1 crore and above, a committee of the Board to monitor large value frauds has been constituted in terms of the guidelines of RBI. The committee consists of the following Directors :1. Chairman & Managing Director 2. Executive Director 3. Three Directors [ Non-Official / Shareholder Directors ] Customer Service Committee Pursuant to directives of RBI, Customer Service Committee has been constituted with the following directors as members:1. 2. 3. 4. 5. Chairman & Managing Director, Chairman of the committee. Executive Director. - Member RBI Nominee Director. - Member one Non-Official Director. - Member Shri T Rudrappa, representing the customers. - Member

Committee to settle Election Disputes under Regulation 67 of Vijaya Bank (Shares & Meetings) Regulation 2003 1. Chairman & Managing Director 2. Govt. Nominee Director 3. RBI Nominee Director Directors Promotion Committee A Special Committee was formed in terms of Regulation 19 (2) of the Vijaya Bank (Officers) Service Regulation 1982 to review the cases of executives in SMG Scale V and above. The committee overseas disciplinary cases and promotions of top executives (Scale VII) of the Bank. It was constituted for the purpose of review and retirement of Officer employees on or at any time after the completion of 55 years of age or at any time after completion of 30 years of total service. The committee comprises of Chairman & Managing Director, Executive Director, Government Director and the Reserve Bank of India Director.

Directors Promotion Committee A Special Committee was formed in terms of Regulation 19 (2) of the Vijaya Bank (Officers) Service Regulation 1982 to review the cases of executives in SMG Scale V and above. The committee overseas disciplinary cases and promotions of top executives (Scale VII) of the

Bank. It was constituted for the purpose of review and retirement of Officer employees on or at any time after the completion of 55 years of age or at any time after completion of 30 years of total service. The committee comprises of Chairman & Managing Director, Executive Director, Government Director and the Reserve Bank of India Director. Directors Promotion Committee A Special Committee was formed in terms of Regulation 19 (2) of the Vijaya Bank (Officers) Service Regulation 1982 to review the cases of executives in SMG Scale V and above. The committee overseas disciplinary cases and promotions of top executives (Scale VII) of the Bank. It was constituted for the purpose of review and retirement of Officer employees on or at any time after the completion of 55 years of age or at any time after completion of 30 years of total service. The committee comprises of Chairman & Managing Director, Executive Director, Government Director and the Reserve Bank of India Director. Remuneration Committee The Committee was formed in terms of Government of India Guidelines dated 9.3.2007 . It was constituted for the purpose of Performance Evaluation Matrix of Whole Time Directors (Chairman & Managing Director and the Executive Director). The Committee comprises of Governmane Nominee Director, RBI Nominee Director, Non Official Director appointed under Chartered Accountant Category and one Non Official / Shareholder Director. Nomination Committee The Board to determine the 'fit and proper' status of existing elected directors/persons to be elected as Directors under Section 9(3)(i). The committe comprises of Government Nominee Director, RBI Nominee Director, Non Official Director appointed under Chartered Accountant Category. Committee to Settle Election Disputes The Committee to settle the Election Disputes under Regulation 67 of Vijaya Bank (Shares & Meetings) Regulation 2003.

Committee to dispose off appeals preferred by employees where the CMD is the Diisciplinary Authority 1. Mr. L.K. Meena 2. Mrs. Suma Varma 3. Allotment Committee

1. Mrs. Shubhalakshmi Panse 2. Mr. Ranjan Shetty 3. Mr. B. Ibrahim Note None of the meetings of the Board of Directors or Committees are open to public and the minutes of such meetings are also not accessible to the public. Item Provision No. Details

Since the number employees is quite large and they are subject to transfer, it is not possible to publish the list of officers/ employees and keep the same updated 4.1 from time to time. Any b A directory of its officers and employees person interested in (ix) seeking the information about any officer or employee of the Bank can approach the Public Information Officer/Asst. Public Information Officer at the Regional/Head Office level. 4.1. The monthly remuneration received by each of its officers and The pay scales of b employees including the System of compensation as provided in employees/ officers are as (x) its regulation. under:Subordinate Staff 105 115 135 165 4060 4270 4500 4770 2 2 2 3 195 235 270 5265 6045 6750 7560 4 3 3 Clerical Staff 4410 9440 215 3 560 5055 11680 335 3 970 6060 12650 470 4 560 7940 500 3

13210 4 1 1 Officers/Executives Scale I Rs.10000-470/6-12820-500/3-14320-560/7-18240 Scale IIRs.13820-500/1-14320-560/10-19920 Scale III-Rs.18240-560/5-21040-620/2-22280 Scale IVRs.20480-560/1-21040-620/5-24140 Item Provision Details No. The budget allocated to each of its agency, There are no plans and budgets for 4.1 b indicating the particulars of all plans, expenditure of public money and (xi) proposed expenditures and reports on disbursements and this provision is not disbursements made. applicable to Vijaya Bank. The manner of execution of subsidy The Bank is not providing any subsidy in its 4.1 b programmes including the amounts allocated deposit/ lending operations. In (xii) and the details of beneficiaries of such implementation of Govt. schematic

programmes.

4.1 b Particulars of recipients of concession, (xiii) permits or authorizations granted by it. Item Provision No. 4.1 b (xiv)

schemes, the Bank receives subsidy from Govt./ Govt. agencies, which will be disbursed to beneficiaries of such loans in accordance with the scheme framed by Govt./ Govt. agencies There are no programmes in the Bank for grant of concessions, permits, authorizations, etc. Details

4.1 b (xv)

4.1 b (xvi)

All the general information regarding Details in respect of the information available deposits, advances and other services to or held by it reduced in an electronic form. offered by the Bank are already available in the banks website. Detailed information about the Bank, its products/services are available in the banks website. The public can also approach the The particulars of facilities available to Branch Managers for further citizens for obtaining information, including clarification/guidance. The public can also the working hours of a library or reading approach the Public Information room if maintained for public use. Officer/Asst. Public Information Officer at Head Office/Regional Office levels for any other details which are not available in the banks website. The names, designations and other The names, designations and other particulars particulars of Public Information Officers/ of Public Information Officers Asst. Public Information Officers are furnished below:-

CLICK HERE FOR DETAILS OF - Central Asst. Public Information Officer (CAPIO), Central Public Information Officer (CPIO) & Appellate Authority (AA) at Head Office / Regional Office / Branches DESIGNATING NAMES OF EXECUTIVES AS CENTRAL PUBLIC INFORMATION OFFICERS / CENTRAL ASSISTANT PUBLIC INFORMATION OFFICERS Head Office Public Information Officer & Asst. Public Information Sl. address of the Jurisdiction Designation , Phone No. & e-mail Officer & Designation & No. Head Office address Phone No. Sriyuths Sriyuths

Head Office Head 41/2, M G Road Office BANGALORE 560 001

Shri. Uday Kumar Deputy General Manager (Credit (R & R) Department ) Ph: 080-25590606 (direct) : 080-25584066 Extn. 259 e-mail: creditrnrdgm@vijayabank.co.in

Shri. B. P. Nanda, Chief Manager Credit Legal Dept., Ph: 080 -25584794 (direct) : 080-25584066. Extn. 256 e-mail: cmlegal@vijayabank.co.in

APPELLATE AUTHORITY HEAD OFFICE, BANGALORE : Mr. J. Pandiyan General Manager Credit (Review & Recovery) Dept. Vijaya Bank, Head Office 41/2, M.G. Road Bangalore - 560001 Phone: 080 - 25590767 Fax : 080 - 25584434 email ID: jpandiyan@vijayabank.co.in

Item Provision Details No. 4.1 b Such other information as Details of Public Grievances Redressal Mechanism as (xvii) may be prescribed existing in our bank are furnished below:Public Grievances Redressal Mechanism Our Bank is committed to provide high quality customer service and has accorded top priority to timely redressal of customer grievances. We have set up an exclusive customer grievance redressal section attached to our Central Inspection Department at Head Office during September, 2002 to monitor the redressal of complaints received from customers. The Department is headed by a General Manager, who is the nodal officer for customer grievances. Our aim is to respond to complaints with efficiency, courtesy and fairness at all levels. The customer can make a complaint over telephone, in person, by mail or e-mail. Salient features of the system are as under:

At the branch the head of the branch attends to customer complaints personally. A Complaint book with perforated acknowledgement is available at every branch and a notice about the availability of the Complaint Book is displayed at the branch. Every effort is made to redress the grievance within a period of 7 days, if necessary by personally contacting the complainant. If the branch manager cannot settle the grievance at his level, he seeks guidance from the controlling authorities and if necessary, arranges for a meeting of the complainant with the Regional Head to sort out the issue. In case the matter is still not settled, the Head Office intervenes through Deputy General Manager/General Manager who will initiate steps to settle the issue, if necessary by making a visit to the branch or the complainant. When a complaint is received at the Regional Office, it is acknowledged by the Regional Head who will settle the issue/redress the grievance either personally contacting the branch or by correspondence and, if necessary, by personal visits to the complainant. If the complaint is not settled, the matter is taken up with the Head office who will take immediate steps to settle the issue amicably. The name, designation, address, telephone/fax number of the respective Regional Head and the Nodal Officer dealing with customer grievances/ complaints at HO level, are prominently displayed at all branches. A chapter dealing with Redressal of complaints is included in "Citizen's Charter", wherein detailed guidelines are available to the general public as to the offices to be contacted for redressal of grievances and the channels available for speedy redressal of grievances. The Website of the bank contains details of various activities of the Bank viz: Management, Financials, Branch net work, ATM Centres, NRI branches, various kinds of services available with relevant applications, forms which the general public can download for their use. The information available in the website is updated periodically. The name, address and telephone numbers, both official and residential of the Nodal Officer attending to Public Grievances is placed on the website of the bank. We are conscious of the need for effective public grievance redressal mechanism and it is our endeavour to constantly improvise on the efficacy of the system to minimize the number of complaints as well as redressal time.

Non Fund Based Facilities


Issuance of Bank Guarantee for purchase of machinery or goods on credit Eligibility : Existing customers of the Bank and whose past dealings have been found satisfactory Normally, this type of guarantee is required by the customers when he desires to purchase machinery or goods on credit. The Deferred payment Guarantee contains an undertaking on the part of the Bank to guarantee due payment of the deferred instalments by the customers on the due date and declare that in the event of default in payment, the bank would make the payment. Period of Guarantee: For a period up to 5 to years. In exceptional cases it may be extended for a maximum period up to 10 years on merits of each case. Margin: 25% cash margin on the cost of machinery/equipment to be acquired less initial advance paid to the supplier plus interest portion i.e. on the DPG amount. Rate of commission: Rs.100+0.75% per quarter or part thereof with a minimum of 3% is the normal rate of metropolitan, urban and semi-urban branches. For rural branches the rate of commission is Rs.80+0.75% per quarter or part thereof with a minimum of 3%. In respect of DPGs secured by 100% cash margin or by 100% term deposits, only 25% of the applicable rate on issue of such guarantee with a minimum of Rs.28 only, are leviable. Security: Security provided for the guarantee may be in the form of our own deposits or other acceptable tangible security, such as GP Notes, Insurance Policies having adequate surrender value and easily marketable shares. Mortgage of immovable property may be accepted as security only in exceptional cases where customers are well known, provided at least 25% of the guarantee amount is covered by cash margin. In addition to the counter guarantee and collateral security, an indemnity Policy of Insurance company is also insisted upon. Issuance of Bank Guarantee in Liew of Security Deposit / EMD / Performance Guarantees 1. Guarantees in favour of Government departments, such as Railways, PWD, etc who may require guarantees from their contractors in lieu of tender money or performance of contracts to supply goods, etc. 2. Sales tax/Income tax Authorities in respect of payment of taxes. 3. Companies of repute towards payments in respect of supply of materials 4. Suppliers of machinery and plants on deferred payments basis require bank guarantees in respect of instalments and interest payable by their purchasers.

5. Guarantees in favour of the Coffee Board in connection with renewal of the pool sales permit for participation in the pool sales by dealers. 6. Guarantees are issued to Railway Authorities or Shipping companies to take delivery of relative goods without production of RRs and Bills of lading and undertaking to produce them on receipt. 7. Besides the above, several other commercial transactions involve execution of bank guarantees. Security: Security provided for the guarantee may be in the form of our own deposits or other acceptable tangible security, such as GP Notes, Insurance Policies having adequate surrender value and easily marketable shares. Mortgage of immovable property may be accepted as security only in exceptional cases where customers are well known, provided at least 25% of the guarantee amount is covered by cash margin. Commission: Rs.100/-plus 0.75% or 0.5% per quarter or part thereof towards financial or performance guarantee respectively. Financial guarantee against collateral securities /cash margin 1. Guarantees on behalf of constituents who are selling agents/lottery tickets/airline tickets in favour of Govt departments, Airlines, and other companies in lieu of cash deposit or earnest money. 2. All mobilisation guarantees issued on behalf of contractors. 3. Guarantees for release of retention money. 4. Guarantees for due payment of moneys for goods supplied, services rendered etc.(Guarantees in favour of oil companies, fertiliser companies, airlines, excise guarantees, etc) 5. Guarantees in lieu of sales tax, income tax, excise duties/Govt demands against 100% cash deposit 6. Guarantees given to courts for release of deposits/in lieu of payment to court 7. Deferred Payment Guarantees. Security : Security provided for the guarantee may be in the form of our own deposits or other acceptable tangible security, such as GP Notes, Insurance Policies having adequate surrender value and easily marketable shares Mortgage of immovable property may be accepted as security only in exceptional cases where customers are well known, provided at least 25% of the guarantee amount is covered by cash margin. Commission: Rs.100/-plus 0.75% per quarter or part thereof. Issuance/establishing BG/LC on behalf of lottery agents/liquor contractors/liquor shops with 100% cash margin Guarantees on behalf of constituents who are selling agents/lottery tickets/airline tickets in favour of Govt departments, Airlines, and other companies in lieu of cash deposit or earnest money.

Security: 100% cash margin Forward Sales ,Forward Purchase contracts As per the guidelines on manual of foreign exchange and Reserve Bank of India guidelines in force. Letter of credit with a minimum cash margin of 25% (inland) Letters of credit should be normally be opened for customers who enjoy credit facilities with us. Limits for opening letters of credit should be fixed based on the overall consumption of the items, to be procured through letters of credit, separately. The limit may be fixed for a single transaction or as a regular limit. Letters of credit may be opened under any of the following categories as required by the customers concerned. 1. 2. 3. 4. 5. 6. 7. clean Documentary Revocable Irrevocable With recourse Without recourse Revolving

Where the customers desires to have finance from the bank to clear the bills arising out of the letter of credit, suitable limits by way of key loan or cash credits may be considered along with The letter of credit. Inland letters of credit are usually opened for periods ranging between 3 months to 6 months and in case these are to be opened for longer periods, there should be justifiable grounds. The documentary inland letter of credit established by branches may call for bills of exchange payable at sight or (with prior permission of the sanctioning authority) call for usance bills of exchange on D/A terms. In case the bills are drawn on D/A basis, the payment to the beneficiary should be made only at maturity. Guarantees/Co-acceptance of usance bills with minimum 25% cash margin Eligibility: Existing customers enjoying satisfactorily conducted credit limits with the Bank . It should be ensured that the goods covered by bills co-accepted are actually received in the stock account of the borrowers. Discounting of Bills co-accepted by other Banks Existing customers enjoying satisfactorily conducted credit limits with the Bank. Before discounting bills co-accepted by other Banks , the branch should obtain a written confirmation of the concerned controlling office of the accepting bank and a record of the same should be kept. Partly secured /unsecured /clean Guarantee/co-acceptances with minimum of 25% cash margin Mortgage of immovable property may be accepted as security only in exceptional cases where customers are well known provided at least 25% of the guarantee amount is covered by cash margin. However the minimum cash margin to be obtained in the case of partly secured

guarantees varies depending upon the quantum of the guarantee and the level of the sanctioning authority as indicated in the discretionary power chart. Issue of solvency /capability certificates Solvency certificates should be issued strictly as per the guidelines and the format prescribed in the manual of instructions. Credit information on customers may be furnished in strict confidence with express or implied consent of the customers only to fellow banks and to public sector financial institutions such as LIC, UTI, ICICI. State Financial corporation, State Industrial Development Corporations etc. Issue of Solvency certificates : Service charges at the prescribed rates given below should be collected for issue of solvency certificates: Up to Rs.1 lakh - Rs.112 Over Rs.1 lakh - Rs.112 Per lakh with a maximum of Rs.1122/-