GENERAL CIRCULAR NO.

CHM/Cir-29/12 DATED 14TH JULY 2011 MIZORAM RURAL BANK Head Office B-5 Babu Tilla, Zarkawt Aizawl 796 007 Mizoram. To All Branch Managers Dear Sir/Madam, REVISION OF INTEREST RATES ON DEPOSITS

SEEN INITIAL B.M. OFFICERS C/C OTHERS

Please refer to our Circular No.CHM/Cir-28/90 dated 17th February 2011 advising changes in interest rates on deposits. It has been decided to revise interest rates on Deposits with effect from 15th July 2011 as under : Sl. No. 1 2. 3 4 5 6 7 8 9 10 11 12 * ** *** Duration 7 days to 14 days 15 days to 45 days 46 days to 90 days 91 days to 180 days 181 days to less than 1 year 1 year to less than 2 years 2 years to less than 3 years 3 years to less than 5 years 5 years to less than 8 years 8 years to less than 10 years 555 Days (Special bucket) 1000 Days (Special bucket) Existing Rates w.e.f. 18.02.2011 4.50% p.a. 5.50% p.a. 6.00% p.a. 7.00% p.a. 7.75% p.a. 8.25% p.a. 8.75% p.a. 8.25% p.a. 8.50% p.a. 8.75% p.a. 9.25% p.a. 9.25% p.a. Revised Rates w.e.f..15.07.2011 7.00% p.a. 7.00% p.a. 7.00% p.a. 7.25% p.a. 7.75% p.a. 9.25% p.a. 9.25% p.a. 9.25% p.a. 9.25% p.a. 9.25% p.a. 9.25% p.a. 9.25% p.a.

For bulk deposits of ` 1.00 crore and above higher differential rates may be quoted with approval of the Chairman Senior Citizen will get 0.50% extra for Term Deposits for 1 year and above Penal interest of 0.5% below the interest rate applicable to the period for which the deposit has remained with the bank will be realized on premature withdrawal of Term Deposits or 0.5% below the contracted rate whichever is lower.

2. The above revised rates of interest will be made applicable to fresh deposits and renewals of maturing deposits. 3. Please bring the contents of this circular to the notice of all concerns and arrange to display the same on your Branch Notice Board for information of the public. Yours faithfully,

CHAIRMAN

GENERAL CIRCULAR NO.CHM/Cir-29/ 13 DATED 14TH JULY 2011 . MIZORAM RURAL BANK Head Office B-5 Babu Tilla, Zarkawt Aizawl 796 007 Mizoram To All Branch Managers Dear Sir/Madam, REVISION OF INTEREST RATES

SEEN
B.M. OFFICERS C/C OTHERS

INITIAL

In partial modification of our General Circular No.CHM/Gen/28/18 dated the 5th October 2010, it has been decided to restructure and also revise interest rates on Loans and Advances with effect from 15th July 2011. The rates are applicable to new loans only. Sl. No. 1 1 Types of advances 2 Small & Medium Enterprise (SME)
(a) (b) (c) (a) CC SSI/SBF/Mortgage loan General Credit Card Simple Credit Card/Swarajgar Credit Card SBF/SSI Term Loan

Int. slabs 3
Upto > Upto Upto Upto >

4
200000 200000 25000 50000 200000 200000

Int. Rate 5
13.00 14.00 12.50 12.50 13.00 14.00

Small & Medium Enterprise (SME)

Agriculture & Allied activities

(a) (b) (c) (d) (e) Term Loan Crop loan KCC other than Crop loans SHG/SGSY (non-farm activities) SHG/SGSY (Agri & Allied activities) Upto > Upto Upto Upto Upto 100000 100000 100000 100000 99999999 99999999 12.50 13.50 7.00 12.50 12.50 13.00

Personal Segment
(a) (b) (c) Housing Loan/Rural Housing Loan Personal Loan/Festival Loan Vehicle/Car Loan Repayable within > Repayable within > Repayable within > 10 yrs 10 yrs 3 yrs 3 yrs 3 yrs 3 yrs 10.50 11.00 14.00 14.00 13.00 14.00

1
(d) (e)

2 Demand Loan against TDR Education Loan

Upto >

4 5 1.5% above interest rate applicable to deposit 400000 13.50 400000 14.50

4
(i) (ii)

Clean Overdraft
Public No Frills A/c upto 500 Upto Upto 99999999 500 15.00 12.00

5
(a) (b) (c) (d)

Staff Loans
Housing Loan : Officer Housing Loan : Office Assistant/Sub-staff Vehicle/Conveyance Personal/Overdraft Upto > Upto > Upto > Upto 100000 100000 110000 110000 80000 80000 999999999 5.00 11.00 5.00 11.00 8.50 12.00 8.50

2. Please advise the changes, if any, in the EMI of their loans to borrowers and their guarantors. 3. Please bring the contents of this circular to the notice of all concerned employees at your branch.

Yours faithfully,

CHAIRMAN.