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Schedule of Charges

No Frills Account for Smart Salary


Effective October 1, 2012

Minimum Maintenance
Average Quarterly Balance (AQB) FD requirement for Nil AQB AQB Non-maintenance charges Nil N.A. N.A.

No Frills

Minimum Maintenance

No Frills

Collection Services
Intra-Bank Fund Transfer Collection RTGS Collection NEFT Collection Cheque Collection - Local Clearing Outstation Cheque Collection - YES BANK locations Free Free Free Free Free (plus ` 20 courier charges) Up to and including 5,000; ` 25 / Instrument Outstation Cheque Collection - Correspondent Bank locations (Instrument value) Above 5,000 and up to including 10,000; ` 50 / Instrument Above 10,000 and up to including 1,00,000; ` 100 / Instrument Above 1,00,000; ` 150 / Instrument Up to and including 5,000; ` 25 / Instrument Outstation Cheque Collection - Other locations (Instrument value) Above 5,000 and up to including 10,000; ` 50 / Instrument Above 10,000 and up to including 1,00,000; ` 100 / Instrument Above 1,00,000; ` 150 / Instrument Cash Deposit 2 Txns per month Free; ` 3 / ` 1,000 thereafter (Min ` 20)

Payment Services
Intra-Bank Fund Transfer - Branch Intra-Bank Fund Transfer - NetBanking RTGS Payment - Branch RTGS Payment - NetBanking NEFT Payment - Branch NEFT Payment - NetBanking Payable At Par Cheque Usage DD payable at YES BANK locations - Branch DD payable at YES BANK locations - NetBanking DD payable at Correspondent Bank locations Free Free ` 25 / Txn ` 25 / Txn Free Free Free 4 Per Month Free; ` 50 / Instrument thereafter Free (plus ` 20 courier charges) 1 Per Month Free; ` 2.5 / ` 1,000 (Min. ` 50, Max. ` 5,000) thereafter 2 Txns per month Free; ` 2 / ` 1,000 thereafter (Min ` 20)

Remittance Services *
Foreign Outward Remittance Foreign Inward Remittance ` 200 plus SWIFT Charges Free

Cash Withdrawal

Debit Cum ATM Card


Card Type Annual Fee Cash Withdrawal - India Cash Withdrawal - Outside India Balance Inquiry - India Nil Free ` 120 / Txn Free ` 20 / Txn ` 50 / Instance ` 250 / Instance ` 25 / Instance ` 149 / Instance 3% International Silver

Foreign Exchange Services *


DD Issuance - FCY Traveler's Cheque Issuance ^ Cheque Collection - FCY ` 2 / Rs. 1,000 (Min. ` 250, Max. ` 1,000) 1% Commission ` 2 / ` 1,000 (Min. ` 250, Max. ` 1,000)

Balance Inquiry - Outside India PIN Regeneration Charge Slip retrieval ATM Declines due to insufficient funds Replacement of lost / stolen Debit Card Cross Currency Mark-up

* See guidelines for details

^ Please check with the branch for the availability of this service

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Schedule of Charges
Miscellaneous Services
Cheque Return - Insufficient funds ECS Return - Insufficient funds Cheque Return - Local Clearing Cheque Return - Outstation Collection Stop Payment of Cheques - Branch SWIFT Charges Dormancy Activation Account Closure within 21 days Account Closure after 21 days Money Monitor Annual Fee Depository Annual Maintenance Charge SMS / E-mail Alerts (Day end balance / transactions above a threshold / low balance) Utility Bill payment - NetBanking ` 300 / Cheque ` 200 / Return ` 50 / Cheque ` 50 / Cheque ` 50 / Instruction ` 500 Free Free ` 100 ` 249 ` 300 ` 10 / Month

No Frills Account for Smart Salary


Basic Banking Services

Effective October 1, 2012


Senior Citizens, Women & Other Individuals at Semi-Urban Individuals & Rural Branches Free Free Free Free Free Free Free Free Free N.A. Free Free Free Free Free Free Free Free Free Free Free Free Free ` 50 / Instruction Free Free Free Free within 1 year of date of issue, ` 50 / Cheque thereafter Free Free Free Free Free Free Free Free Free N.A. Free Free Free Free Free Free Free Free Free Free Free Free ` 50 / Instruction ` 100 / Instruction ` 50 / Instruction Free ` 100/ Verification Free within 1 year of date of issue, ` 100 / Cheque thereafter Non-Individuals

Account Opening Mobile Banking Registration Phone Banking Registration NetBanking Registration Investment Services Registration Nomination Facility Payable at Par Cheque Book Any Branch Banking Quarterly statement by post Monthly statement by post Standing Instruction maintenance - Branch Standing Instruction maintenance - NetBanking ECS Instruction Balance Inquiry - Branch Balance Inquiry - Mobile Banking Balance Inquiry - NetBanking Replacement of damaged Debit Card e-commerce payment - NetBanking Mutual Fund investments - Branch Mutual Fund investments - NetBanking Stop Payment of Cheques - NetBanking Stop Payment of Cheques - Mobile Banking Cancellation of DD payable at YES BANK locations Cancellation of DD payable at Other locations DD Revalidation Passbook Issuance Banker's Verification (Signature / Address / Photograph) Retrieval of Cheque / Instruction

Free Free Free Free Free Free Free Free N.A. Free Free N.A. Free Free Free Free Free N.A. Free Free Free Free ` 50 / Instruction ` 100 / Instruction ` 50 / Instruction N.A. ` 100 / Verification Free within 1 year of date of issue, ` 100 / Cheque thereafter

` 5 / Txn

Common Guidelines
! An initial payment for opening a new account should include 1. Minimum Average Quarterly Balance of the account type PLUS 2. First year annual fee for Demat Account (plus taxes as applicable) and/or 3. Demat Account (plus taxes, as applicable) OR Subject to a minimum of ` 100 / whichever is higher. ! Card Rates apply for all Foreign Exchange conversion transactions less than US$ 20000 (or equivalent) ! The charges for Forex transactions mentioned in the schedule of charges does not include any charge that may be levied by the originating / correspondent bank. ! Applicable tax & surcharge will be levied on all foreign exchange sale and purchase transactions. ! Quarterly /Annual cycle charges as applicable on the account type can be recovered anytime ! In case of insufficient funds in the account, for recovery of charges, YES BANK reserves the right to force debit or make repeated attempt(s) to recover charges due. ! The charges mentioned in the schedules are exclusive of taxes as applicable from time to time. ! Average Quarterly Balance (AQB): AQB is the average daily balance maintained by the customer for a period of 90 days. It is a Summation of Daily Closing balances for a period of 90 Days / 90. ! The bank reserves the right to offer No Frills Smart SalaryAccount.

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