Ojas_pocket_diary_hrdi_pkl.pdf

sff (m u m m m w jm )

OJAS (Oriental yoJAna Saar)

Oriental Bank of Commerce (A Government of India Undertaking) HRDI Panchkula

Contents at a Glance 1. Saving Accounts/ Products 2 Current Accounts 3. Term Deposits 4. Digital Bonking 5 Retail Credit Schemes 6* Agriculture 7 MSME 8. PMMY 9 One Time Settlement (OTS) 10.Branch Routine 11.Documents Required for Opening o f Deposits Accounts

Page

1..7 8 .9 10.12 13.17 18.30 31.35 36.41 42.43 44.49 50 51.56

ir* SAVING PRODUCTS O R IE N TA L P R A TH A M A C C O U N T - SB 245 (H0/CRG/136/2017-18/752 dated 15.12.2017)

❖ Target group: High Net W o rth Individuals ❖ Eligibility: Resident Indian >18 years oF age ❖ Minimum Average Q trly Bal.: Rs.1.00 lac ❖ Unlimited A TM trans in any bank’s ATM ❖ D EM A T a/c AM C charges : NIL ❖ Processing Fee on retail loan: NIL ❖ Cheque book,SMS ,1-bank, M-banking charges : NIL

❖ Free Personal accidental insurance: 10.00 lac ❖ Concession in locker rent: 25% ❖ DD/ PO issuance Fee up to 5 lacs/ month: NIL ❖ Daily A TM withdrawal lim it(Rs.lOOOOO) ECOM/ POS-R s.2 0 0 0 0 0

❖ 2 Free lounge access at domestic airport per QTR ❖ RTGS/NEFT-online Free ❖ Penalty- Freebies to be w ithdrawn iF AQB <100000 (next quarter) i

ir* OUR BEST CUSTOMER-SB 249 (H O /C S S P / 7 7 /2 0 1 7 -1 8 /1 0 8 3 D td 3 0 /0 3 /2 0 1 8 )

Target: existing HNI: NO fresh account ❖ Loyal customer >3 year ❖ Min AQB o F R s .l lac For last one year ❖ Min 5 txn (both C r 6 D r) in a month ❖ Personalized V IS A signature debit card/ cheque book /passbook w ith ‘our best custom er” embossed. ❖ Free Personal accidental insurance: Rs.10.00 lac ❖ Priority in queue management services(QMS) ❖ D EM A T ac /Card issuance annual Fee: NIL ❖ DD/ PO issuance Fee up to 5 lacs/ month: NIL ❖ Daily A TM / POS/e-CommtrnsRs. 1 0 0 0 0 0 /❖ RTGS/NEFT/IMPS - online Free ❖ Cheque book /SMSJ-Bank, M-banking charges : NIL ❖ Concession in locker rent: 25% ❖ Processing Fee on retail loan: NIL 2

ir* OBC STREE SHAKTI -SB 244 (H 0 /C R G /137/2017-18/753 dated 1 5 .1 2 .2 0 1 7 )

❖ T a r g e t: Female resident Indian >18 years oF age ❖ Minimum Average Monthly Bal. Rs. 25,000/­ ❖ Free personal accidental insurance-Rs.10.00 lac ❖ 5 0 % rebate in processing Fee Retail loan ❖ 0 .10 % concession in ROI on Vehicle loan ❖ Concession 25% locker rent on deposit oF 2 years advance

❖ D EM A T A M C -1 st year-FREE ❖ Daily A TM limit/POS -Rupay Platinum C ard1 0 0 0 00 /­

❖ Daily A TM limit/POS - V IS A gold card — 5 0000/­ ❖ Cheque book charges-FREE up to 50 leaves/year ❖ Card Annual Fe e -lst year-FREE ❖ ATM J-Banking, SMS.M-Banking charges: NIL ❖ 2 Free lounge access at domestic airport per QTR ❖ RTGS/NEFT-online Free

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ir* ORIENTAL PREMINUM SALARY-SB232 (H0/CRG/03/2017-18/25 dated 05.04.17 and amendment on 24.11.17) ❖ Target Group: Salaried Individual (Gross Min 25000 P.M) ❖ Overdraft Facility Up to 3 lac ❖ Free 1st yr Personal Accidental Insurance -10 lac ❖ Next Year Free With Conditions:

AQB should be >25000, No Loan /ODIs NPA. Salary must be Credited In Account ❖ Freebies : DEMAT AMC Charges Process Fee OF Retail Loans-100% Annual Charges On Debit Card** Online NEFT,SMS Alerts /Mobile/ Internet Banking ❖ OD Facility: 3 Times Of Gross / 5 Times Of Net Salary ( MCLR+2.5) No Fresh Sanction to Employee With Remaining Service<12m Employee Service>lyr Or Permanent in nature 4

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SALUTE SALARY ACOUNT (SB-233) (HO/CRG/ 6 5 /2017 -1 8 / 1 3 6 dated 2 2 .0 5 .1 7 ) Customized For our servingDEFENCE Hero’s No minimum balance Free 1st yr Personal Accidental Insurance -10 lac Next Year Free Insurance with Conditions: ° AQB should be >25000, ° No Loan /OD is NPA. ° Salary Account is not Dormant ❖ Free ATM/l-bank/NEFT/RTGS/SMS ❖ Inbuilt OD up to 5 time’s net pay, max. 3 lac

ORIENTAL Y U V A A C C O U N T (SB234) (HO/MKT/40/2015-16/698 dated 02.12.2015) ❖ Target group: students aged between 10-18 years. Minimum balance-NIL ❖ l-bank /M bank view only mode ❖ ATM : allowed ❖ DD issuance charges - NIL (Edu purpose only) ❖ Daily withdrawal limit-Rs. 10,000/- through ATM ❖ Daily POS limit-Rs. 10,000/❖ Maximum balance Rs. 1 lac ❖ Maximum total credit Rs. 5 lac. ❖ On attaining majority the scheme will be changed in normal SB

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ir* OBC UNNATI SCHEME-SB 219 (HO/CS8P/24/2017-18/288 dated 10.07.2017) ► Min balance -R/SU-Rs.l,000/-,U/M- Rs. 2,500/-, ► Min balance charges -R/SU-Rs. 50/-,U/M-Rs.l00/► M-banking/l-banking charges : NIL ► Locker rent concession: ° 10% on deposit of adv rent For 2 years ° 20% on deposit of adv rent For 3 years ► No charges For a/c statement through digital mode ► Welcome kit, ATM card and cheque book instantly ► DEMAT accounts AMC charges NIL For 1st year ► Free 50 cheque leaves in 1 year

MOTOR A C C ID E N T CLAIM: SB242 H0/BB/48/2016-17/591/16 dt. 05.10.2016 S CSSP/25/2018-19/544 dt. 0510.2018 Target: Recipient oF Claim Tribunal/Court Individual including Minor (UG) Only Motor Accidental Claim No Joint Account Operation Singly or Guardian 6

From

MACT

ir* Loan Facility - Not Allowed Nomination - Available No ATM/I BANK/M BANK Passbook -Yes Withdrawal through Branch Only Account or Scheme TransFer:Not Allowed ROI As Per Normal Saving Ac

Basic Saving Bank Deposit A/c SB212 CSSP / 60/2013-14671 dt.15.10.20138 CSSP dt. 17.02.2016 Target-Financially weaker Segment. Complete KYC account No Minimum Balance Required. Free chequebook oF25 leaves. Debit Card available. No restriction on number oF debit/credit Internet banking not available. ECS/DD/NEFT allowed. No Restriction on balance in account. 7

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Current Accounts PRAGATI CA 113 ❖ Min bal 5000 Rural/SU 8 Rs.10000 in U/Metro Branch ❖ Min Bal Charges: Rs.350 For Rural/SU S Rs.500 For Urban Metro Branch ❖ 100% waiver oFABB charges ❖ Waiver oF DEMAT a/c maintenance charges ❖ Free-lnternet/Tele banking/ATM ♦> Free demand draft / RTGS up to Rs.5 lakh

C A -123 Escrow or Separate Account under RERA (HQ/CSSP/60/2017-18/773 dated 21.12.2017)

♦> To protect home buyers From developers under RERA 2016 ❖ In addition to normal account, One 'Escrow Account oF developers' ❖ Project wise For collection and remittance ❖ No minimum balance requirement ❖ No cheque book/l-banking/ATM ♦> For withdrawal- CertiFicate For Engineer/Architect and CA ❖ Project cost remitted by RTGS/NEFT Or by transFer From other ACs 8

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Oriental Merchant Current Account CA121 (H0/MKTG/04/2016-17/232 dt. 08.06.2016) ❖ Target: Shopping Centre, commercial Estb etc. ❖ Average Quarterly Balance ? 25000 ❖ Non Maintenance of Min Qtr Balance - ^1000/- per quarter ❖ 50% Waiver on Processing Retail Loan ❖ Cash Deposit — Per Day (Home Branch) Free up to : •3 times monthly amount swiped at OBC bank POS terminal Or ^3.00lakh whichever is lower. ❖ Cash:-Non Home Branch — Free up to ^l.OOLakh ❖ Free Cheque Book /1-Banking/Mobile Banking ❖ Free Statement oF Account on Email ❖ POS Terminals at Nominal rates ❖ Waiver oF AMC charge on DEMAT AC

20% rebate on locker rent For advance 3 yrs rent Free DD — 2 DDperQrt up to ^5.00lakh per instrument ❖ RTGS/NEFT: l-banking Free: Branch — nominal Charges 9

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Term Deposits SUVIDHA DEPOSIT SCHEM E-TD306 (H0/CS8P/43/2017-18/532 dated 04.10.2017) > Benefit of CDR/FDR > Issued in the form of Unit of Rs.1000/- or multiple thereof > Minimum amount Rs.1000/> Maximum- No limit > Partial u/ithdrau/al allowed in Multiple of Rs.1000. > No interest rate loss on remaining unit. > Can be opened for 12 to 120 months. > No loan available. Tax Saving Scheme TD341 > > > > > > > > > >

Target- Tax saving Individual/HUF. Rebate available u/s 80c of IT act Can be opened minimum for 60 months Minimum Rs.100 or multiple thereof Max.Rs.150000 in a fin.year. No Premature allowed except death case No lien/No loan PAN card is Mandatory. Joint Holder Allowed. Benefit of 80C to 1st Holder Nomination Allowed. 10

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Progressive Deposit Scheme PD315 > > > > > > >

Target Customer-Fixed monthly saving. Amount: Rs.10/- or multiple thereof Loan available upto 95%. Premature withdrawal allowed Penalty oFRs.l per 100 if delayed instalment. Period: 6-120M in multiple oF3M. Interest Rate: As per TD tenor

Variable Progressive Deposit Scheme PD316 > Target Customer-Variable monthly Income group. > instalment in Multiples oF ^10/- Maximum ^50,000/> Core amount may vary up to 5 times > Instalment can be twice in a month: IF standing instruction opted. > Loan available up to 95%. > Skipped months can be added in tenure. > Premature withdrawal allowed. 11

Flexi fixed Deposit schemes > Target- usually keeps high balance in SB/Current Accounts > Want interest Benefit of Fixed Deposit. > For Saving-Smart Save SB211 > For Current-Premium Gold CA109 > Automatic Creation of Fixed Deposit from SB/CA > Automatic transfer of FD in SB/CA if needed > Created as per below schedule. Particulars

Smart Save SB211

Premium gold CA109

Min.AQB

25000

200000

Amount above Flexi created

50000

500000

Auto Sweep

5000

25000

Reverse Sweep

2000

10000

Penalty for min bal.

400

2000

Period of FFD

91 to 179days for Individual

45 to 91 days

Schemes

TD376

TD379

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D IG ITA L BANKING (H O / D IT / F E BA/4/2 0 1 8 -1 9 / 2 5 9 ) U R L w w w .o b c o n lin e .c o .in fAvailable in Mobile View)

Retail Internet Banking ❖Eligibility: Operative A/cs in all SBA, CAA, ODA, CCA schms ❖Registration:Through l.SelF User Creation 2. Branch Visit ❖View balance and transaction details oFall A/cs ❖FREE OF COST ❖Scheduled and Recurring Fund Transfers ♦MnterBank (NEFT/RTGS), Within Bank and self Linked A/cs (Rs. 25 Lacs Max) ❖24*7 IMPS Facility For instant Inter Bank Fund transFer (Rs.l Lac Max) ❖Register Online For Email-ids, Aadhaar, mobile banking etc. ❖FDR/CDR/RD A/c opening, reneu/ FDR ❖Request Cheque Book, Demand Draft, close FCNR(B) Deposits ❖Govt-Social Security Schm Registration- APY, PMJJBY, PMSBY.SGB ❖PPF S SSY Account linking and management. ❖Link DEMAT A/c ❖Link / Delink operative A/c For ASBA, apply For IPOs ❖26AS TDS Form view, e-FUing(IT), Locker Availability Status

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ir* * Generate Loan Interest certificates, pension Slip ❖Card Control Functionality ❖Pin set/reset ❖Change limits for ATM, POS SeCOM channels ❖International usage activate/deactivate ❖ Pay Direct/ Indirect Taxes (Central Excise/ Service Tax 8 Customs Duty) ❖ Pay Canara HSBC OBC insurance renewal premium ❖ BBPS - Pay Mobile/ DTH/ Electricity/ Water bills ❖ Security Features-Last 3 IP Check, OTP for txns, Security Image S Phrase, Txn-wise limit setting/ Beneficiary addition

Corporate Internet Banking ❖ Eligibility: InstitutionalSCorporate customer ❖ Registration:Appln form to ibank.corporate@)obc.co.in Simple, easy and secure ❖ Maker Checker concept ❖ Variable transaction limits ❖ File upload Facility for salary, dividend S vendor payments (08.00AM till 06.00PM All Days) ❖ Inter Bank fund transfer (NEFT/RTGS) (Bulk File Upload on all working days as per RBI) ❖ e-CommTxns — Bill payments

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ir* Mobile Banking (OBC mPay App) Eligibility: Operative A/c(SBA, CAA, ODA) OBC mPAY app on App Store IOS 6 Android Registration: ATM, IBank, Self Balance Inquiry and a/c statement. * Access to all a/c — same custid and mobile no *Mnstant Fund t r f — Inter/Intra Bank through NEFT, IMPS *Mnvest Now in Mutual Funds online ❖ paperless KYC ❖ goal based investing ❖ smart Fund recomm real-time tracking * Debit/ATM Card Services ❖ HotList, PIN Change ❖ Enable/Disable International usage, Manage Limits *Book Flight, Hotel 6 Bus thru Goibibo Bharat QR and UPI Functionality integration ^Transaction Limit — Rs.l lac/day ♦>Max amount per Transaction — Rs.50K ♦MJFe Insurance Service * Request For Credit Card, Loan, Aadhar link

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■-I SMS BANKING (9915622622) Account Balance Mini Statements Stopping oF Cheques Blocking oF ATM Cards SMS Format (9915622622)

3

T ~5~

Service Account Balance Mini Statements Stopping oF Cheques Block Card MMID VIEW / GENERATIO N MMID CANCEL

SMS FORMAT ACBAL<SPACE>ACCOUNT NO STM<SPACE>ACCOUNT NO STOP<SPACE>A/C NO<SPACE>CHQ NO BLOCK<SPACE>A/C NO<SPACE>LAST 4 DIGIT OF CARD MMID <SPACE>A/C NO

CANCELMMID <SPACE>A/C NO

ORIENTAL SAATHI APP Features:Branch/ ATM Locator Complaint / Suggestions EMI Calculator Interest Rates Alerts Contact Us

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Unified Payments Interface (UPI) — OBC UPI App

❖ Single click 2-Factor Authentication

For subsequent

transactions ❖ 'Virtual address’ as a payment identifier For sending to S collecting money ❖ Bill splitting with Friends ❖ Best answer to Cash on Delivery hassle, running to nearest ATM or rendering exact amount ❖ Merchant Payment with Single App or In-App Payments ❖ Schedule, PUSH and PULL Payments For various purposes ❖ Utility Bill Payments, Over the Counter Payments, Barcode (Scan and Pay) based payments ❖ Donations, Collections, Disbursements Scalable.

Bharat Bill Payment System (BBPS)

❖ BBPS is Reserve Bank oF India (RBI) conceptualized system driven by National Payments Corporation oF India (NPCI) ❖ Multiple modes oFpayment and provides instant confirmation oF payment via an SMS or receipt. ❖ bill collection categories include electricity, telecom, DTH, gas, water bills etc. through a single window. New billers addition in progress. ❖ Bill payment services For its customers who are enabled For Internet Banking ❖ BBPS is being oFFered at two platForms right now:❖ Pre-Login at Corporate Website ❖ Post Login in Retail Internet Banking

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RETAIL CREDIT SCHEMES ORIENTAL HOME LOAN SCHEME ( HQ:RETAIL:58:2017-18:978 dated 26.02.2018) > Target Group-lndivs/Farmer/HNI/NRI > Purpose• Land purchase + construction • To Buy semi/fully built up home/Flat • Repair/Improve Existing home • Furnishing/Fumiture/RooP top SPVs • Co-Borrowers: Parents, spouse, son, Daughter/in-law 6 Owner oF Property > Loan Eligibility Land/Plot-Max. 50% Eligible Loan Construct/Purchase -N o upper ceiling > Provision For Rural AreaMap From panel Architect Panchayat approval For NOC S Notified Abadi Area > Provision For other than AboveEnsure 13 Year chain oFTitle deed Approved Plan From Compt. Auth. Max. Construction Tim e-24 Month Max. Moratorium : 18 Month > Repayment AgeWith Pensions others-Max.75 yr. W ithout Pension-Up to Superannuation

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> Max. Repayment Period=40 yrs > Components oFFinanceConst/Purchase/Repair/+Conversion charges +GSS+ Stamp Registration (Up to 10 Lakh) LOAN/MARGIN/LTV/ROI up to 2nd H/L Category

Margin

LTV

Upto ? 30 lakh

>10 %

>80S=<90

Above ? 30 lakh and upto ? 75 lakh Above ?75lac

and <2 0 % >25% >20 % and <25% >25%

ROI MCLR

Net Take Home=Gross(Deduction * Prop.EMI) Gross Income (lac)

Take [Take Home Home (TU>600 |(TU>700) -7 0 0 )

UP 5

50%

45%

5 -1 0

40 %

35% 25%

+ 0 .10 %

=<75% >756=<80 MCLR + 0 .10 % % =<75%

10 8 Above

30%

MCLR

> ROI: 3rd House onward CRE Exposure -MCLR+0.50% Process Fee • 0.50% of Loan Amount • 50% Concession to Loyal Customer > Pre Payment Penalty /Documentation Charges/UpFront FeeNIL > Security— Primary(EQM/Registered Mortgage)

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ORIENTAL TOP UP LOAN (HO:RAG:62:2017-18:1081 dated 28.03.2018 E H0:RAG:22:2018-19:404 dated 27.08.2018) > Target Group -Existing HL Borrowers (HL Std +Min 2 Year) > EligibilityConst Completed SMortg Created Max. 2 top-up in Single Time Maximum N o .: 3 times (within Max. 50.00 lac) Another top-uppermitted after 3 yrs Min Age should be 20 yrs and Maximum 70 Year > Loan Limit- Min 2 Lac-Max 50 Lac > MPBF=75% oFRV o/s H/l > Net take home> 40% > ROI< 25 lac

MCLR +0.50%

>25 lac

MCLR+1.00%

> Repayment Period• Salaried - Pensioner S other-70 yrs • Salaried-non pensioner-60 yrs or superannuation > Max Repayment Period=15 yrs > Process Fee- .50% oFthe loan amount, Min 1000 or Max 10000+GST

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ORIENTAL HOME FURNISHING LOAN > Target Grouplndiv(Salaried/Business/ProFessional/Far mers) > Max Loan• Carpet area < 1500 sq Feet=15 lac • Carpet area > 1500 sq Feet=25 lac > MPBF Calculation-Low er oF A/B/C A. MPBF=75% oF renovation cost B. MPBF= 3 0 % oFRV oF house C. Existing customer-Max amt= Fresh eligibility oFHL-Existing HL O/s ■ Repayment Tenor- Max.10 Year with max. 6 month moratorium • Margin-2 5 %

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PMAY (PradhanMantriAu/asYojana) ( H0:Retail:40:2017-18:10 dated 04.01.2018) S H0:Retail:19:18-19:399 dated 23.08.2018)

> Farnily=Husband, wife 8 unmarried children > No pucca house in their name in India > Adult Earner/Married Couple Spouse-As a Co-borrower Waived > Bank NameS Scheme Display On Property > Income proof- ITR/Self declaration > NOC/Permission must from bank on sale Target Group

EWS

LIG

MIG-I

MIG-II

Family Income

<3 Lacs

>3-6 lacs

> 6 -1 2 lacs

>12 -18 lacs

9 lacs (§) 4%

12 lacs @ 3%

Interest Subsidy Max. 20yr. Carpet Area(m2) Max. Subsidy

6.00 lacs @ 6%

Add. Loan at MCLR/MCLR+0.10 30

60

2.67 lakhs

22

160

200

2.35 lakhs

2.30 lac

ir* ORIENTAL MORTGAGE LOAN SCHEME (HO:Retail: 47 :2017-18: 866 dated 12.01.2018 E H0:RETAIL:53:201718:926 dated 09.02.2018)

> Target Group-lndiv/Non-indiv having marketable property as security > 2 Yrs ITR Individual /CA certified Financial Statement to Firms/ Company > Purpose -Business/Personal Expenses > Nature oF Facility- TL/OD > Repayment Period: Max 10 years Net Take Home Facility ROI Gross/ Net Take Monthly Home Term Loan MCLR+2.25% Income Over Draft MCLR+2.75% Up to 50000 40% >50000 30% > Process Fee-0.50% oFTL 8 0.10% oF OD > Repayment Age• Pensions others-Max.75 yrs • Non- Pension-Up to Superannuation > Loan - Min.-5 Lakh, Max-10 Crore > Security- EQM./Reg. Mortgage • Well BoundedS constructed as per Approved Plan > Margin-40% oF Residual Value > Assessment-Whichever less oFA or B A. 60% oF Residual Value B. 36XAv Gross Monthly Income (Salaried) OR 4XAv.Net Annual Income(Non-Salaried)

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ir* ORIENTAL SCHEM E FOR FINANCING A G A IN S T G O V T. SECURITIES/LICs ETC > Scheme Overview- For personal/Business expenses > Target Group-lndiv/Firm/Co. have Security in their name > Loan Amount- 50Lac max > Facilities Available- OD/DL (3 yrs),upto maturity period. > Eligible Securities- LIC policies/eligible govtsec’s > ROI: 1 Year MCLR monthly rest > Penal: MCLR+2% on irregamnt+Period > Margin- 10 % (LIC policy), 25% Pace/acc. OP other sec > Process/upPront Pees-10/cert.. Min 50+ST+Post chrgs > Disbursement- Through account oP Borrower • Unencumbered portion not to be used Por other Pacilities • Latest surrender value to be taken For LIC policies • Loan to guardian can be allowed on sec in the name oFMinor

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ir* VEHICLE LOAN (HO:Retail: 46:2017-18: 855 dated 09.01.2018)

> > > > > > > > >

> > >

>

>

Financing new vehicles as well as old cars. Customized vehicle loan scheme also available Target Group: Employees, businessman, Farmers, NRI, HUF 0.1% additional discount in ROI For Female Avail loan within 3 months after purchase new vehicle No age bar For businessman/professionals TA T:-2 4 hours Target income group:■ 2-wheeler:- min 10,000 pm ■ 4-wheeler:- min 30,000 pm Loan ceiling:• 2-wheeler:- 50lac • 4-wheeler:- 250lac • 2nd hand car:- lOOIac For 2nd car min valuation 5 lac Margin :- 15% on road/25% oF valuation Repayment:• 2-wheeler:- 84M • 4-wheeler:- 100/120M • 2nd hand car:- 36/48/60M R0I:• For male:- MCLR+0.5% • For Female:-MCLR+0.4% • For 2nd hand:-MCLR+3.5% 0.25% concession to loyal customers

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■-I ORIENTAL EDUCATION LOAN (HO:Retail: 57 :2017-18: 977 dated 26.02.2018)

> > > > > > > > > > > > > > > > > >

> > > >

Target:- Meritorious students Loan:- As per Fee structure 0.5% concession in ROI to girls zl/3i}J
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ir* ORIENTAL PERSONAL LOAN SCHEME (GOVT/PSU) (H0:Retail:60:17-18:1013 dated 12.03.2018 8 H0:RETAIL:02:201819:114 dated 09.05.2018)_____________________________________________

> Target Group:-Govt./PSU Employees > Personal loan For repayment oF the existing Personal Loan in other Bank > Fresh Personal Loan to customer already availing PL u/ith us / other Bank > No collateral required/No margin > No prepayment penalty/lnsp charges > Purpose:-Any legitimate purpose > Eligibility:-ConFirmed Employee • Salary A/c u/ith us 8 net salary 10,000 pm OR • Net salary 50,0008 above (A/c in other bank) > Loan:•

15x Gross Monthly Max. lO.OOIac

> ROI:- MCLR+2.75% p.a. > TA T:-4 8 hours > Security:- 1 PG oF Fellow employee > PG Relax: Cibil(TU)>7508 Salary>1.00 lac > Repayment Period: 60EMI’s

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ir* ORIENTAL PERSONAL LOAN SCHEME (CORP) (H0:Retail:15:2017-18:201 dated 15.06.2017)

> Target Group:-Corp Employees > Purpose:-Any legitimate purpose > Eligibility:-Confirmed employee • Min 3 years oFservice • Net salary 10k and above > Loan:• Upto 15x net take home OR • Max 5 lac > ROI:- MCLR+3.75% p.a. > TAT:-48 hours > Security:- 1 PG of Fellow employee > No collateral required/No margin > No prepayment penalty/lnsp charges > Easy repayment in 60EMI’s > Process Fee: 1% oFloan amt

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■-I ORIENTAL PERSONAL LOAN SCHEME (PENSIONERS) (HO:Retail: 44:2017-18: 853 dated 09.01.2018) > Target Group:-Pensioners S Family pensioners > Purpose:-Any legitimate purpose > No collateral required/No margin > No prepayment penalty/lnsp charges > Eligibility:• Pensioners:-last repayment 75yrs • Family pen.: last repayment 70yrs • Net take home >=50% gross pension > Loan:• Pensioner ■ Defence : 20M net pension (max lOlac) ■ Others: 18M net pension (max 5lac) • Family Pensioner > Defence : 20M net pension (max 5lac) > Others: 18M net pension (max 5lac) > ROI:- MCLR+2.25% p.a. > Security : PG oF spouse/Family/3rd party > Repayment:- 60 EMI’s OR • Pensioners:-Max. Age 75yrs • Family pensioner: Max. Age 70yrs

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ir* LOAN AGAINST DEPOSIT (HO/RMD/17/2017-18/221 dated 21.06.2017)

> Target Group:• Indiv/Firms/comp/HUF 8 • having deposit u/ith us > Personal/business expenditure > Eligibility:-Loan available upto 95% > Max loan amt 5crore > OD is available subject to annual review > Demand loan is also available > VPD/PD is also considered > Facility applicable over FV £ AV > ROI is 1-1.5% over deposit rate. > Third party can enjoy > ROI in case of 3rd party • 2% over deposit rate OR • MCLR whichever is higher > No process/upfront fee is applicable 30

ir* AGRICULTURE 3RIENTAL GREEN CARD

—

(H0/ABSFI/44/2018-19/405 dated

27.07.2018)

> > > >

Revolving cash credit Facility No restriction to number oF debits and credits Limit drawn in a particular year to be repaid within 12 months Limit shall be drawn using Branch / Cheque / BC / PoS/ Digital channel > Personal Accidental Insurance coverage through either PAIS/ PMSBY Purpose: Credit Support under Single Window to Farmers For Cultivation 8 Other Needs Eligibility: Farmers, SHG, JLG Area: 15-20 km (One branch One village) Age: No age limit Margin: NIL Fixation oF limit-: Crop Loan = Scale oF Finance For Crop + upto 15% + 10% oF Crop Loan For post harvesting + 20% oF Crop loan to repair machinery 10% Auto enhancement upto 5th Year Maximum Permissible Limit: A-Working Capital Assessment B-100% value oF Agri. land C-Total annual income Limit: lowest oFA.B.C Subvention up to 3 lakh ROI: Higher oF9% or MCLR Margin: NIL Validity: 5 Year

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ORIENTAL GREEN CARD (OKGC=OGC+TL) (H0/ABSFI/44/2018-19/405 dated 27.07.2018)

> Term loan Period: 5 to 9 years > Purpose: Agriculture and Allied Activity > MPBF: A: 10 times oFFarm Income B: 100% value oF Agri. land C: Max. up to 25 lakh > Limit: lou/est oFA,B,C > Margin: (TL) Loan upto 1.00 lac

NIL

Loan >1.00 lac

15%

> ROI: MCLR > Security OGC/OKGC:

Upto 1.00 Lac Hypothecation oF crops/ Assets Hypothecation oF crops/ Assets £ Mortgage oF Agril Land (or) 3rd party guarantee OR Liquid security____________________________ Above 2 Lac Hypothecation oF crops/goods 8 Mortgage oF Agril Land (or) 3rd party guarantee OR Liquid security____________________________

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Financing Allied Agriculture Activities (HO: AB6FI:98:2016-17:1099 dated 09.02.2017)

> Collateral Free loan upto 10 lakh covered under MUDRA/CGFMU > Purpose: Adequate credit For agriculture allied activities, mainly livestock rearing > Activity: Poultry, Dairy, Fishery, Sheep/ Goat Rearing, Piggery, Apiculture > Facility: > W C: Daily expenses > TL: Investment Financing > Composite loan: TL+WC > Margin: Loan upto 1.00 lac NIL Loan >1.00 lac 15% > ROI: MCLR > Security: Upto 1.00 Lac Hypothecation oF crops/ Assets > 1.00 - 2.00 Hypothecation oF crops/ Assets £ Lac Mortgage oF Agril Land / Property (or) 3rd party guarantee OR Liquid security Above 2 Lac Hypothecation oF crops/goods £ Mortgage oF Agril Land/ Property (or) 3rd party guarantee OR Liquid security

33

ir* FARM M A C H IN E R Y (HO: RDEPS:61:2015-16:762 dated 20.12.2014 S H0:RDSPS:92:2015-16:46 dated 31.03.2016) > Collateral Free Loan upto 10.00 Lacsto Tractors 8 Power Tillers coverunder PMMY/ CGFMU > Tractor loans, payment should be made directly to the manufacturing company > Financing oP Farm Machinery models approved by HO after 01.04.2016

Farm Machinery

Min. land Holding

Repayment Period 9 Year 7 Year

Tractor 2.5 acre Power tiller 1.5 acres Harvester/ Farm No Min. land holding 5 -7 Year Implement/ Pumpset Transport Vehicle Trucks/ Refrigerated Vehicle 3 acres 5 Year 2 acres 5 Year Jeeps, Pick-up 2 wheelers/ 3 - wheeler No Min. land 5 Year holding > Nature of loan: Term loan > Margin:________________ Loan upto 1.00 lac NIL Loan >1.00 lac 15% > ROI: MCLR > Security: Upto 1.00 Lac Hypothecation of crops/ Assets > 1.00 - 2.00 Hypo of crops/ Assets 8 Lac Mortgage of Agril Land / Property (or) 3rd party guarantee OR Liquid security Above 2 Lac Hypo, of crops/goods 8 Mortgage of Agril Land/ Property OR Liquid security

34

ir* OD IN PMJDY (0D521)

-(H0/FI/22/2018-19/240 dated

25.06.2018)

> Automation OF OD Facility In PMJDY Accounts through ATM > system based identification oF the account under PMJDY u/ith eligibility criteria > Sanctioning shall be automated and marked via SelF service option oF ATMs > No accountability shall be examined > Purpose: Credit to lou/ income group > Eligibility: ■ 6 month satisfactory BSBD A/c ■ Regular credit under DBT LPG ■ Mandatory aadhaar seeding in A/c > Features: ■ OD up to 10000/■ No processing Fee ■ No security ■ Automated annual reneu/al > Request: Through ATM/ Branch > Age: 18 to 65 years > ROI: MCLR + 2% > Eligible SB Scheme: SB212: BSBD > SB216: FI opened by BC > SB222: Relaxed KYC docs > SB224: SB kiosk > Enhancement: 50% oF total credit From previous year

35

ir* MSME PLUS > > > >

> >

> >

— (HO/MSME/ 29/2018-19:599 Dated 01.11.2018)

Target Group-AU Business Concern Loan Amt is 200% oP collateral Nature oP Facility - WC/TL Eligible — 1) Non Individuals. 2) Internal rating-0BC5(existing cust) 0BC4(new cust) 3) External credit risk rating Exposure — l)Upto 50 Cr Acceptable Ratios 1) Current ratio : 1.17:1(WC <=5 cr), 2) Current ratio : 1.25:l(WC>5Cr) 3) Debt/Equity Ratio : upto 3:1 4) Leverage Ratio : Upto 4:1 5) DSCR -1 .5 0 :1 Stressed A/C(SMA/NPA) 2% extra Rate OF Interest Collateral Coverage

> > > > >

<= ? 10.00 cr

>? 10.00 C r upto ? 5 0 .0 0 C r MCLR+2.25% MCLR+2.00% MCLR+1.75% MCLR+1.50%

5 0% upto 75% MCLR+2.00% > 75% upto 1 00% MCLR+1.75% A b o ve l0 0 % MCLR+1.25% Above 150% MCLR+1.00% Processing Fee— Concession oF50% 5 0% concession on daily operations Security Prim ary-Custom er’s primary security Collateral — Atleast 5 0% oF exposure Tenure — 7 yrs Benchmarks(Ratios and Rating) IF not complied benefits withdrawn

36

ir* MSME Oriental Business Loan Scheme (HO/MSME/ 31 /2017-18/550 date 09.10.2017)

> Target Group-All Business Concerns > Facility-OD.TL/DL > Eligibility-Non Individuals > Purpose- Trading, Manufacturing £ services > Loan Limit-Upto 75cr. > Security1)Mortgage of immovable property 2)Life 5 yr more than repayment period > ROI- MCLR+ 2.25%(TL 60D) > Repayment period1)OD(Annual review) 2)TL - 84M > Cash Handling-50% concession > Condition-Min 75% turnover routed through A/C

37

Oriental Sanjeevni (HO/MSME/ 17 /2016-17/1120

Date: 18.02.2017)

> Purpose- Nursing home/clinic/ Hospital > Eligibility1)MBBS/BDS/BHMS/BAMS/Vet/Physio. 2)Min experience oP2 yrs. > Loan Amount Area (Hospitals) Clinic 2.00 Rural 0.50 SU/U 15.00 1.00 Metro 25.00 2.50 > Type Of Facility-TL/OD > Margin 1) 25% For aquisition oF premises 2) 15% For equipments/ambulance > Rate oF Interest Collateral Coverage <= ? 10.00 cr >? 1 0 .0 0 - 25.00Cr MCLR+2.25% 50% upto 75% MCLR+2.00% > 75% upto 100% MCLR+1.75% MCLR+2.00% Abovel00% MCLR+1.25% MCLR+1.75% Above 150% MCLR+1.00% MCLR+1.50% > Repayment Period1) upto 10 yrs 2)Moratorium period - max 24M

38

ir* ARTHIYA (HO/MSME/ 12 /2016-17/1015 16-17 dated 12.01.2017 S HO: MSME:22:18-19:398 dated 22.08.2018) > Facility-OD limit For W C purpose. > Eligibility- Commission agents/arthiyas > Primary Security1)mortgage oF property(Min,150% adv) 2)pledge of NSCs,FDR(125% of Adv) > MPBF 1)KachaArthiya- 8 X commisionurned. 2)PaccaArthiya- 20% oF annual sales. > Ratios1)Current Ratio-1.10:l(WC<=5Cr)

2)Debt Equity Ratio-upto 4:1 3)Leverage Ratio-Upto 6:1 > ROI1)Upto 25 Lac-MCLR+1.00% 2)Above 25 Lac-MCLR+1.50%

39

ir* WAREHOUSE RECEIPTS

(H0:MSME:30:18-19:621 dated

09.11.2018)

> > > > > >

> >

> >

Facility-CC/DL Eligible - Farmers,Millers,Food process unit Amount oFLoan — Max. 50.00 Crore Security - WHR in Favour oFbank £ PG oF promoter Financing against WHR issuedby Bank approved Collateral manager Ratios1)Current Ratio-upto 5 Cr : 1.17 Above 5 Cr : 1.33 2)Leverage Ratio-Upto 4:1 Internal Risk Rating-OBCl to OBC6 Margin1)CC-Min 25% 2)DL-Min 35% Interest subvention to Farmers-2%(Small ^marginal) Rate OF Interest Priority Sector

Non Negotiable Warehouse Receipts Negotiable u/arehouse Receipts

Non-priority Sector

MCLR +1.00%, subject to net MCLR MCLR, subject to net MCLR MCLR+2.00%, subject to netMCLR +1.00%.

> Repayment Period1)For CC-12 months(max) 2)For D L-6 months(max) > Takeover OF A/c-Not Permitted > Processing Fee, Doc. Charges, Inspection Charges-Waived till 30/4/19

40

ir* Oriental UttamVyapari (HO/ CAD/72/2015-16/ 694 dated 01.12.2015)

> > > > > >

>

> > > >

Loan upto 10.00 lacs covered under CGTMSE/ CGFMU Maximum upto 100 lacs(50L For R/SU) Purpose-CC/TL or both Eligiblity • Existing as well as new business concerns Margin-1)20% on stocks(WC) 2)40% on book debts(6M) 3)25% on TL Rate oFlnterestLoan Limit Rate oF interest uptolO.OO Lacs MCLR+1.50% MCLR + 2.00% >10.00- 25 lacs > 25,00 lac MCLR+2.25% Repayment Period 1) T L - 3 to 10 yrs 2) W C limit shall be renewed every yr No documentation charges Cash Handling charges waived upto 75% Small business — TL For W C purpose upto 10.00 lacs For 7 years Stock Statement — Y/ HY/ Qtr

41

ir* PMMY PMMY- Non Farm

(ho/msme/ pmmy/65 /2017- I 8/ dated

28.03.2018)

> >

Eligible : Individual, Proprietorship, Partnership Credit requirements of Non Farming enterprises engaged in Manufacturing, Trading, Service > Loans upto 10 Lac to Non FarmMSE > Objective: Credit to Micro Enterprises > Facility: Term Loan,WC,Composite Loan > E-KYC mandatory > IMAC Rating exempted > Balance Sheet ITR- Self attested > Repayment 7 Years > W C sanctioned For 3 Years, Review Yearly > Stock Statement yearly > Security : Hypothecation oF assets CGTMSE/CGFMU Cover > ROI: CGTMSE covered Upto 2.00 MCLR lac >2.00 - MCLR+1.00% 10.00 lac

CGFMU covered Upto 2.00 MCLR lac >2.00 - MCLR+2.25% 10.00 lac

> Margin: Upto 50000 Above 5 0 0 0 0 - 2.00 lac

Nil 10%

> 2.00 -5.00 lac >5.00 -10.00 lac

> Ratio Current Ratio Leverage ratio

1.10:1 6:1

DER DSCR

> Disbursement directly to supplier > T A T : Upto 5 Lac- 2 Weeks >5-10 lac 3 weeks

42

4:1 1.5:1

15% 25%

ir* PM M Y- FARM

(HO: MSME/26/2018-19/518 dated 29.09.2018)

> Target Group: Farmers (indiv/group) > Collateral Free loan upto 10.00 lacs covered under CGFMU/MUDRA, > Purpose: Allied Agriculture/ ACABC / Tractor £ Power Tillers to which promote selF-employment opportunities/ livelihood and/ or are income generating > Activity: Poultry, Dairy, Fishery, Sheep/ Goat Rearing, Piggery, Apiculture, Tractors and Power Tillers, Agri-Clinics and Agri­ Business Centres( only Agriculture Graduate) > Facility: > W C: Daily expenses > TL: Investment Financing > Composite loan: TL+WC > Margin: upto 1.00 lac NIL >1.00 lac 15% > ROI: MCLR > Repayment Period upto 7 Years > Stock statem ent: yearly > Security: Only Primary Security > Guarantee coverage: CGTSME /CGFMU > EKYC: Mandatory > ITR:- required if taxable income > Balance sheet:- Audited/selF attested > Insurance:- To be done For animal/birds/assets > CERSAI:- Mandatory as per bank policy > Stock statement: yearly > Internal Risk rating: exempted

43

ir* ONE TIME SETTLEM EN T (O TS ) SPECIAL COMMON FEATURES OF SOTS UPTO 1 CRORE: SCHEMES: (H0/RSL/2018-19/21/529 dated 01.10.20181) l.S O T S upto 1 lac. 2. SOTS up to 10 lac. 3. SOTS Above 10 lac to 1 crore. 4. SOTS For Direct Agri loan up to 1 crore. COMMON FEATURES: > NPA on or beFore 31.03.2018 except agriculture SOTS. > Valid upto 31.03.2019. > Valuation report not older than 1 year. > No valuation required iF settlement amount> o/s. > StaFF accounts and Frauds not covered. > CGTMSE - Minimum settlement Amt. is amount received From Trust. > Settlement approved by Settlements Committee headed by Bl/ CH/ Cluster Head > Implementation oF Automated Online OTS-SoFtware 44

ir* OTS FOR O/S UPTO 1 LACS FEATURES: > All NPA Accounts Realizable Value oF security should be ZERO > Agriculture AdvancesUpto 1 Lakh also Included. > Realizable value oF Agriculture Land treated as NIL > Maximum repayment period is 3 months NOT ELIGIBLE: > Accounts under MUDRA/CGFMU SETTLEM ENT AMOUNT: > Whatever maximum possible DELEGATED POWERS: > Settlement committee — BM irrespective oF amount oF sacrifice

45

■-I OTS FOR PRINCIPAL UPTO 10 LACS FEATURES: > NPA accounts have Principal upto 10.00 lac with or without any tangible security > A/c under PMMY settled at Min. 50% oF Principal > NPA under Direct agriculture not covered. > Max Repayment Period is 9 months > MINIMUM SETTLEM ENT AMOUNT: Particulars RV oF security >= Principal =50% oF Principal <50% oF Principal /No security

Up to 1.00 lac 40%

Principal >1.00>3.003.00 lac 5.00 lac

>5.00-10 lac

60%

80%

90%

30%

40%

40%

40%

20%

25%

30%

30%

> DELEGATED POWERS: • Settlement committee — BM irrespective oF amount oF sacrifice

46

OTS Principal Above 10 LAK H -1 CRORE > Max Repayment period is six months > Additional incentive of 5% discount OTS amt., if Full payment within 15 day > Branch/RRSL /Circle Office have NO power to decline any proposal under the scheme > ELIGIBILE: • Cases pending before COURT/DRT. • Cases under SARFAESI where 13(2) or 13(4) is served. • Cases under multiple banking arrangement. > NOT ELIGIBLE: • Loans against LIC,NSC,KVP. • Cases under NCLT. • Consortium. MINIMUM SETTLEM ENT AMOUNT: DELEGATED POWERS: RV oP security Min. Settlement Delegated committee powers BM - Classic II Upto 25 lakh B M - Classic III Upto 35 lakh BM - Classic Upto 50 lakh IV Udbhav branch upto 50 lakh — RRL

Settlement >=Principal

Principal

<principal>=75%

85% oF

o f principal

Principal

<75%principal >=50% oF principal

<50% principal

75% oF Principal

Circle office level credit (C O L C C -C H )

5 0% oF Principal

47

> 50.00 100 lakh

SOTS AGRICULTURE UP TO 1 CRORE: > Farmers Future Credit Requirements u/ill met by bank iF settled on Principal > ELIGIBILTY: • Loans given to individual other than corporate. • NPA on or before 30.06.2018 > CALCULATION OF AMOUNT: • Principal to be RECALCULATED where unrealized interest capitalized in NPA Accounts > MINIMUM SETTLEM ET AMOUNT: Asset class Minimum settlement amount as % of As on Principal 30.06.18 Upto 1 1-3 lakh 3-10 lakh 10-100 lakh lakh S u b -S TD 50% 85% 85% Whatever D1 40% 75% 80% Maximum D2 30% 70% 75% Possible D3/ Loss 20% 60% 65% > REPAYMENT PERIOD: • Minimum upfront amt of 10% deposited. • Max. Repayment Period is 12 months. > DELEGATED POWERS: Settlement committee Delegated powers BM— Classic/ Udbhav II Upto 25 lakh BM - Classic/ Udbhav III Upto 35 lakh BM - Classic/ Udbhav IV Upto 50 lakh Udbhav branch — RRL upto 50 lakh Circle office level (C O LC C-C H ) > 50.00 - 100 lakh

48

ir* OTS FOR PRINCIPAL 1 CRORE-IO CRORE (H0/RSL/18/2018-19/429 dated 06.09.2018)

> 5% discount For Faster payments > ELIGIBILTY: • Doubtful or lost asset on or before 31.03.2018. • Principal >1.00-10 crore on 31.07.18. • Cases pending beFore COURT/DRT. • SARFAESI action initiated cases. > SETTLEM ENT FORMULA: SETTLEM ENT AMOUNT ASSET % OF % OF Minimum CLASS ON SECURED UNSECURED Settlement 31.03.18 PORTION (A) PORTION (B) AMOUNT D1 90 60 (A+B) D2 80 50 D3/L0SS 70 50 > DELEGATED POWERS: UPTO 2.00 CRORE COLCC-CH - AGM UPTO 5.00 CRORE COLCC-CH - DGM > 2.00/ 5.00 CRORE- 10.00 FGM/ HLCC-GM CRORE > Cases not eligible • Fraud • ExStaff/ Staff • Liquid Security • Quick Mortality • Max Repayment period — 6 months • T A T — 15 days

49

BRANCH ROUTINES (Branch Manager/ Second Man to ensure Following activities on daily basis) 1- Marking oF Attendance Register. 2- Cash opening/Allocation. 3- Movement oFsecurity documents ie DD/CDR. 4- Regularization oF clearing zones. 5- Tallying Suspense/Sundry/cbs realization/intsolgen and RTGS inward Account. 6- Ensure proper Function oF ATM/CD Kiosk. 7- Cheque presented in inward clearing >50000:- Report Generation 8 confirmation From customer 8 - Follow up oF E-mails. 9- Opening oF Cheque drop box and ensure outward presentation in clearing house timely. 10- Yesterday’s Dayend report checking physically and in Finalce 11- Follow up oF yesterday’s dayend report. 12- Preparation oF outward bill and postage. 13- DMS and other accounts status report checking. 14- Keeping and register maintenance oF Returned cheques. 15- Monitoring oF large amount transaction during the day/STR. 16- NPA list Follow up. 17- Generation oF cash transaction report and verification oFit with physical cash and timely closure oF cash and Security documents. 18- Voucher count and veriFication. 19- Printing oF Dayend reports. 20 - Dayend (CSOLOP).......................................................................

50

ir* DOCUMENTS REQUIRED FOR OPENING OF DEPOSIT ACCOUNTS

individual Accounts One document For identify proof and one for address proof out of the following OVDs. The customers shall not be required to furnish an additional OVD, if the OVD submitted by the customer for KYC contains both proof of identity and proof of address. > > > > >

Passport, Driving license, Permanent Account Number (PAN) Card, Voter’s Identity Card, Job card issued by NREGA and duly signed by an oFFicer of the State Government, > Letter issued by the Unique Identification Authority of India containing details of name, address and Aadhaar number. (Aadhar and EKYC guidelines after Supreme Court Ruling: H0/CS6P/32/2018-19/629 dated 14.11.2018: Aadhar card or e-KYC is mandatory for opening of account only if customer gives a declaration that she/he is desirous of receiving her/his entitled benefits or subsidies of welfare schemes funded from the Consolidated Fund of India in her/his account directly)

51

Sole proprietorship Firm Any two of the below documents in the name of the proprietary concern.

> > > > > >

>

> > > >

Registration certiRcate (in the case of a registered concern) Certificate/license issued by the Municipal authorities Sales and income tax returns CST/VAT/ GST certificate (provisional/final) Certificate/registration document issued by Sales Tax/Service Tax/ProPessional Tax authorities License issued by the Registering authority like Institute oP Chartered Accountants oP India, Indian Medical Council etc. Registration / licensing document issued in the name oP the proprietary concern by the Central Government or State Government Authority. IEC (Importer Exporter Code) issued by the oFfice oP DGFT The complete Income Tax Return oP the sole proprietor Utility bills in the name oP the proprietary concern. Note: IP only one document available, then CPV (Contact Point Verification) is required.

52

■-I

Partnership Firm List of selP-attested documents S details to be submitted Por Partnership Firm: > List oP benePicial owners holding more than 15%in the Firm (on letterhead) S their KYC > Permanent Account Number (PAN) oPRrm

IP Registered: > Registration certiRcate; > Partnership deed; and > An officially valid document in respect oP the benePicial owners and person holding an attorney to transact on its behalP.

IP unregistered Partnership firms > Partnership deed; and > An officially valid document in respect oP the benePicial owners and person holding an attorney to transact on its behalP. > Such information as may be required by the bank to collectively establish the legal existence oP such an association such as PAN, TIN, IGST etc. (in lieu oP Registration CertiRcate)

53

Private/Public Limited Company List oP selF-attested documents 8 details to be submitted For OPC/Pvt./Public Ltd companies: > Certificate of Incorporation > Memorandum/Article of Association > Certificate of commencement of business in case of Pvt Ltd Co. > A resolution from the Board of Directors and power of attorney granted to its managers, oPFicers or employees to transact on its behalf; and > KYC documents (i.e one OVD, Photo and PAN/form 60) in respect of Beneficial Ou/ners , Managers, oPFicers or employees holding an attorney to transact on its behalf. > Permanent Account Number (PAN) Entity > Latest colour passport size photograph of each of the existing authorised signatories. > Shareholding pattern/List of beneFicial owner’s holding pattern more than 25% in the company. (Directly / Indirectly) on letterhead

54

■-I Trust, Society, Association 8 Club (TA S C ) List oF documents S details to be submitted are as Follou/s (Trust, Association, Society, Club Accounts): > Constitution document oF the entity viz o The Trust Deed in case oF public/ private trust or Bye-laws in the case oF society/association/ club o Memorandum oF Association or Article oF Association in the case oFsec-25 companies o Rules oF acts or Gazette notiRcations in the case oF Govt. Quasi — Govt, or Semi — Govt., entities or entities established under Act under u/hich the entity is established > The list oF directors /Members oF the Managing committee / the Managing Council. > A copy oF the prooF oF identity oF the entity viz. o Registration CertiRcate issued by Registrar in the case oF societies /by charity commissioner in case oF trust or societies engaged in charitable work or certificate oF Incorporation issued by Registrar oF Companies in case oF companies. o Recognition certiRcate in the case oF educational institutions. > PAN card or prooF oF exemption From income tax (iF applicable). > ProoF oF communication address oF the entity. > List oF beneficial owners holding more then 15% in the Trust. (Directly / lndirectly)(on letterhead) > KYC oF the beneficial owners

55

ir* Self Help Group (SH G)

> Specific Account opening Form (available at obcweb) > Resolution oP the SHG For opening oF saving bank account u/ith the Bank and authority to oFFice bearers to open and operate the account. > Tu/o/three Passport size coloured photographs oF Office bearers. > Seal oP the SHG. > KYC documents oF the office bearers For identification and address prooF. Banks should not insist on PAN oFSHGs at the time oF opening oF account or transactions and may accept declaration in Form No 60 as may be required.

56

(n

m

m

m

?

m

m

m

)