CUSTOMIZED BANKING SERVICES

AXIS bank ( erstwhile UTI bank ) , I would like to introduce Axis bank as the
fastest growing new generation private sector bank , which offers a full range of
services in corporate , retail , international banking , treasury management and
merchant management investment banking . Axis bank has over 6 million customers
serviced through a wide network of 729 branch offices and extension counters and
over 3082 ATM’s . A XIS bank is located at 433 cities , towns and villages . We
have our international presence in HONG KONG , DUBAI , SINGAPORE , SHANGHAI and
our wide network of correspondent banks across the globe . Axis bank offers a one
– stop solution for all your banking needs .

Axis bank was the first of the new private banks to have begun operations in 1994
, after the Government of India allowed new private banks to be established . The
bank was promoted jointly by the Administrator of the specified undertaking of the
Unit Trust of India ( UTI – I ) , Life Insurance Corporation of India ( LIC )
and General Insurance Corporation of India ( GIC ) and other four PSU insurance
companies , i.e. National Insurance Company Ltd., The New India Assurance Company
Ltd., The Oriental Insurance Company Ltd., and United India Insurance Company Ltd.

The bank was awarded the “ Best Private Sector Bank “ in Business Leadership
Awards 2008 .

WHY AXIS BANK ?

1. STRONG FUNDAMENTALS

AXIS Bank's financial performance for FY 2008-09

NET PROFIT : RS. 1,815.36Cr (increase by 69.50% YOY)

NET INTEREST INCOME : RS. 3,686.21Cr (increase by 42.58% YOY)
FEE AND OTHER INCOME : RS. 2,447.35Cr (increase by 63.72% YOY)
NET WORTH : RS. 9,757Cr (as on 31st Mar. 2009)
BALANCE SHEET SIZE : RS. 1,47,722.00Cr

AXIS Bank is a focused Bank which offers state-of-the-art solutions for all your
banking needs .

I take this oppurtunity to extend my warm regards to you and to give a brief
introduction wat AXIS Bank provide services to all its deemed customers .

1. Concessional average Balance requirement .

2. At par cheque facility with no limit on clearing payments at centres across the
country.

3. Free Demand Drafts / Pay Orders across AXIS Bank centres as and when required
by you to remit funds .

4. Facility for collecting donations in favour of your account through our network
of 3082 ATMs across the country as well as through iConnect - our Internet Banking
facility .

5. Investment Advice:
Financial Advisory Desk not only provide portfolio management advice but also
help customers in undertaking investment for your esteemed organization .

6. Free Demat Account:

For esteemed account holders in the trust/cooperative segment , Axis Bank
offer a free demat account (Except NSDL charges ) , to facilitate their
investments .

7. Subsidiary General Ledger ( SGL ) Account :

The Subsidiary General Ledger ( SGL ) account through which investments in
Govt. securities are carried out comes with a host of value – added services :

• Investment advice related to the customer’s g-sec portfolio .

• Offer of better rates on sale of government securities from the Banks’s
stock of securities .
• Concessions on transactions and service charges .

8. Foreign Contribution ( Regulation ) Act [FCRA] accounts :

The FCRA account enables approved organizations to receive foreign
contributions for utillzation in their activities in India . Axis Bank would
assist you to shift your FCRA account to their Bank and it would be a smooth shift
for your organisation .
9. Free collection of cheques at outstation locations on AXIS Bank centers ( Only
out of pocket expenses recovered ).

10. Doorstep banking services ( cash pick/delivery/,cheque pick – up ).

I am enclosing the details of various products / services customized to suit your

requirements .

The bank today is providing services to some of the largest public sector
corporate in India , which include NDMC , MCD , DDA , BHEL , HUDA , HUDCO , NOIDA
, GREATER NOIDA , MINISTRY OF URBAN DEVELOPMENT , MMTC , DSCDC , PEC , PFC , IFFCO
, IRCON , MOTHER DAIRY , INDRAPRASTHA GAS LTD. , DELHI POLICE , NORTHERN RAILWAYS
, and many leading corporate in private sector .

SAVINGS BANK ACCOUNT

AXIS Bank offers a unique savings bank account with value additions aimed at
making banking more convenient and beneficial . The benefits offered are :-

Anywhere Payments
Free Multi-city cheque books :
• Axis bank provide multi-city cheque books which are payable at par at 332
centers across the country.
• These cheques will be treated as local cheques in the locations on which
they are issued hence out station payments are made convenient .

Free Demat Drafts :

• Axis bank provide free demand drafts and pay orders , irrespective of , the
amount , on all our locations .
• At locations where Axis bank do not have branches , DD’s drawn on
correspondent banks will be issued ( only out of pocket charges will be levied ).

Investment services
• One stop investment opportunity to invest in statutory scrip’s.

Receiving remittances
• Axis bank provides access to accounts at more than 596 branches and
extension counters and over 2500 ATM’s .
• Inward remittances through any of our branches in the country . Cash
deposits will be credited to the account immediately.
• Cheques can be deposited at any branch of Axis bank or the nearest ATM
center .

Free collection of outstation cheques

• All out station cheques drawn on any of our locations will be collected free
of charges.

Doorstep banking services to collect cheques/cash from your doorstep on a

daily/weekly basis or as required . This facility is provided free of cost .

Free internet banking

• Axis bank provide internet banking facility usning which the savings bank
account can be accessed anytime through the internet.
• Any enquiries , downloading of statements and even fund transfer is possible
thereby giving you the convenience of accessing your account directly from office.

Free monthly statement of accounts will be delivered at your doorstep.

Concessional minimum balance requirement for the savings bank account.

Payment through Internet Payment Gateway

Superior Architecture

Axis bank’s Internet payment gateway has been designed and put in place by Master
Card International . It is hosted out of the APC ( Australian Processing Canter )
of Master Card . In other words , simply the best technology or the platform being
rendered redundant . What you can expect however is ease , speed and reliability
of the transaction-processing platform and increased custom for your business from
satisfied e-payers.

Transaction Processing and Payment

It provides a secure environment where enablement of e-commerce merchants can

happen promptly so that e-commerce transactions can be executed in safe and secure
manner . The platform is available 365 days a year , 24 X 7 basis .

Unique benefits of the Axis bank’s Internet Payment Gateway:

• Competitive cost
• The platform keeps pace with the evolving , industry-best standards-at no
additional cost to you.
• Efficient MIS for institutions administration . Easy management of Merchant
side interface .
• Rapid merchant payment enablement.
• Offers you completely secure payment acceptance and peace of mind . “Master
card secure code “ and “ verified by VISA” authentication is possible . This will
ensure your protection from Cardholder initiated transaction repudiation for non-
participation.
• Axis bank would be enabling acceptance of both Mastercard and Visa credit
card products .

Very Competent Merchant Service Fees

In anticipation of receiving a major share of your visa card/master card

transactions, Axis bank shall be pleased to offer you these services at very
competitive rates.
AXIS BANK’s GOVERNMENT BUSINESS INITIATIVES

Axis bank is authorized by RBI and Government OF India to handle all Govt Business
Transactions like

• Collection of direct and and indirect taxes

• Expenditure – related payments on behalf of various ministries / departments
of Govt. of India.
• State Government Business such as collection of sales tax , pension payments
, etc.
• Disbursement of central civil pension as well as non-civil (Railways ,
Defence , Telecommunication and Posts ) pension

Association with Central Government Minsitries/ Departments for

• Handling collection of income / other direct taxes on behalf of Central

Board of Excise and Custom ( CBEC ) under Ministry of Finance since November 2003

Association with other Central Govt. Ministries /Departments for

Providing expenditure related payments and other banking services as under :

• Expenditure related payments and other business of Ministry of Urban

Development and Ministry of Urban Employment and Poverty Alleviation as an
Accredited Bank since February 2004
• Expenditure related payments and other business of Office of the Controller
General of Accounts ( CGA ) under Ministry of Finance since April 2004

Banking services to various zones/ divisions under Ministry of Railways towards

collection of freight passenger revenue and contractors/ vendors / supplier
payments through single window payment facility
Centralized Salary Disbursement and Allied Facilities

It gives me great pleasure to familiarize you with Salary Power Privilege

offering from Axis Bank . Axis bank privilege offering is designing to offer your
employees the best of banking services for salary accounts wherein they enjoy
premium banking services in a 24 X 7 environment through a network of 729 branches
offices and extension counters and 3082 ATM’s pan India .

Axis bank have upgraded their offer of Salary Power Centralised Salary
Disbursement Solutions , keeping in mind the specific requirements of your
employees .

In addition to the above , please find the details of other products forming part
of the entire package such as Retail Loans , Travel Currency Cards , Credit Cards
, Gold Debit Card , Online Trading and Demat Accounts .
BANKING PRIVILEGES

• Requirement – No minimum balance .

• Balance Anywhere Banking - Available across the country
( unlimited Intra sol and 3 free Inter sol cash deposits free per quarter )

• Cheque books – Multicity at par cheque books.

• Computerised Statements – Free on quarterly basis , free monthly statements
on e-mail [Internet banking registration required].
• Joint Account Facility – Available .
• Demand Drafts – Free demand drafts upto Rs. 50,000/- drawn on Axis Bank
branches.
• Overdraft Facility – Upto 505 of net salary at personal loan rates.
• Outstation cheques – Free collection , only out of pocket expenses to be
recovered .
• Branch transaction – Free unlimited .

INTERNATIONAL DEBIT CUM ATM CARD

• Absolutely Free Master Card – No annual fee for primary account holder .
Joint account holder charges Rs. 95/- pa + ST.
• Higher Cash Withdrawal limit of Rs. 40,000/- per card per day at Axis Bank
ATM’s.
• Personal Accident Insurance Cover of upto Rs. 2 lac per card .
• International acceptance at 900000 ATM’s and at 22 million merchant
establishment worldwide.
• Purchase protection and zero lost card liability upto Rs. 50,000/-.

INTERNET BANKING

• Available as “Iconnect” with enhanced features of free bill payments ( eg.

Electricity bill ).
• Booking of railway tickets online .
• Transfer of funds to any account holder of Axis bank or any other banks in
India.
• Transfer funds from Visa debit card to another Visa / Visa electron debit /
credit card or pay credit card bills through Visa Money Transfer facility .
• Other facilities like Enquire and download statements , request for cheque
books , stop payments instructions etc .
TELEBANKING

• Available 24 hours .
• Other services like know your balance , fate of your cheque , request for a
cheque book , statement by fax .

MOBILE BANKING

• Available at all the centers across the country .

• Alerts of debit /credits over Rs. 5000/-.
• Other services like balance enquiry , last 3 transactions , cheque clearance
status .
• Charged @Rs 120/- per annum ( free for first 60 days )

PRIORITY BANKING

• Exclusive premium service through banking privileges , lifestyle privileges

and investment privileges .
• Concessional AQB of Rs. 75,000/- per quarter ( as against Rs 1,00,000/- )
• Access to priority banking lounge at the branches
• Dedicated Relationship Manager for all your branches .
• Home banking service free cash / cheque delivery and pickup
• Exclusive Priority Banking International Debit Card with free usage at all
Visa ATM’s in INDIA
• Enhanced cash withdrawal limit of Rs 50,000/- per day and POS limit of Rs.
1,75,000/- per day on debit card
• Higher personal accident insurance cost of Rs. 5,00,000/- on debit card
( vis-à-vis Rs. 2 lakh cover )
• Monthly physical statement of account ( vis-à-vis quaterly statement )
• Free mobile banking ( vis-à-vis Rs 100/- annual subscription charge )
• Invitations to exclusive lifestyle events like movies shows , plays , music
concerts etc.
• Preferential rates on loans
• Complimentary investment advice
• Exclusive access to 24/7 concierge and travel assistance service through
priority assist

EMPLOYEE REIMBURSEMENT ACCOUNTS

• Zero balance account

• For receiving credits related to tax purposes like Medical , LTA , Petrol ,
Driver Salary etc and for actuals like conveyance , Meals , Entertainment , Mobile
, Out of pocket expenses etc.
• Linked to debit card issued with salary account
• Cheque book available on request
• Quaterly statement of account
• Ease in explaining to IT authorities
• Eligible for interest @3.5% p.a as applicable to saving account
GOLD INTERNATIONAL DEBIT CUM ATM CARD

• Option of gold debit card ( charged @ Rs. 250/- annual fee and Rs. 250/- one
time issurance fees )
• Cash withdrawal limit of Rs. 50,000/- per day at ATM’s
• Unlimited free transactions on other ATM’s
• Higher personal accident insurance cover of Rs. 5 lakhs
• Reward points
• GCAS ( Emergency Global Assistance Services of VISA )

MEAL CARDS

• Prepaid card
• No operational hassles
• Larger acceptance
• Easier to handle
• Can be used in any denomination

GIFT CARDS

• Prepaid card
• Aesthetic design
• Any denomination can be used loaded from Rs 1,000/- to Rs. 50,000/-
• Simple to use
• Balance inquiry through telebanking facility
• Redemption of unutilized balance at any AXIS bank branch
• Larger acceptance

DEMAT ACCOUNT

• Available to manage your equity transactions

• No account opening charges concessional account maintenance charges of
Rs.200/- per annum . No charges on buying transactions . Charge of 0.04% on volume
or Rs. 23/- whichever is higher on sale transactions.

ONLINE TRADING

• Solution to all your capital market needs

• Subscribe to IPO’s in a paperless manner
• Trade in your securities online
• Instant trade confirmation
• Retuers news access to world largest financial information
• Provider for live information on markets
• One time account opening charges and no annual charges

INVESTMENT ADVISORY

• Profile of investment needs in terms of investment objective , age , time

horizon, risk profile , return expectations , amount of investments and tax
status.
• Review of current investment portfolio to provide a solution , which is in
line with the overall portfolio approach .
• Based on the above , detailed financial plans are devised and tracked from
time to time as well as rebalancing of portfolio in order to optimize your overall
portfolio returns

AXIS BANK’s TIE UP’s WITH EDUCATIONAL INSTITUTIONS.

• Indira Gandhi National Open University
• Indian Institute of Management – Ahmedabad
• Indian Institute of Management – Lucknow
• Indian Institute of Management – Kozhikode
• Indian Institute of Technology , Madras
• IDE , University of Madras
• Pondicherry Central University
• The University of Burdwan
• Symbiosis Centre for Management and HRD – Pune
• Symbiosis Centre for Distance Learning – Pune
• NITTE Institute of Technology , Bangalore
• BHS Higher Education Society , Bangalore
• Sri Venkateshwara College of Engineering , Sriperumbudur
• S.P. Jain Institute of Management and Research
• Allahabad Institute of Agriculture Allahabad
• IIT Kharagpur
• Faculty of Management Studies , Delhi University
• Indian Institute of Foreign Trade
• National Institute of Fashion Technology
• Sharda Institute of Management
• XLRI Jamshedpur
• Lal Bahadur Shastri Institute of Management