IndusInd Bank understands its customers’ money is not just money. It is the vehicle to realise their dreams!

Hence, the bank aims to ensure that the customers’ experience with the bank is pleasant and enriching. That they get value for their money, enabling them to lead a richer, fuller, content life... For this, the bank:

Mode of issue

INDUSIND BANK LTD. - CAPITAL HISTORY Year No. of equity Distinctive Nos. of shares issue
1994 1995 1997

Total Capital

Initial share capital Preferential issue Public issue (IPO) Cancellation of equity shares of the Bank held by the erstwhile IndusInd Enterprises & Finance Ltd. (IEFL) pursuant to the sanctioned Scheme of Amalgamation of IEFL with the Bank Equity shares issued to the shareholders of the erstwhile IEFL in the share exchange 1:1 Equity shares issued to the shareholders of the erstwhile ALFL in the share exchange ratio of 4:9 Forfeiture of shares Issue of Global Depository Receipts

10,00,00,000 2,00,00,000 4,00,00,000 3,97,73,017

1 to 10,00,00,000 10,00,00,000 to 12,00,00,000 12,00,00,001 to 16,00,00,000 17 to 3,97,73,033

10,00,00,000 12,00,00,000 16,00,00,000

10,00,00,000
2003

17 to 3,97,73,033 and 16,00,00,001 to 22,02,26,983

22,02,26,983

7,04,74,853
2004 2005

22,02,26,984 to 29,07,01,836

29,07,01,836

-384200 2,94,90,300 29,07,01,837 to 32,01,92,136

29,03,17,636 31,98,07,936

2007

Issue of Global Depository Receipts
2008

3,51,92,064

32,01,92,137 to 35,53,84,200

35,50,00,000

QIB Issue

2009

5,48,97,140

35,53,84,201 to 41,02,81,340

40,98,97,140

ESOP Allotment ESOP Allotment

2009 2010

49,500 2,70,680

41,02,81,341 to 41,03,30,840 41,03,30,841 to 41,06,01,520

40,99,46,640 41,02,17,320

ESOP Allotment ESOP Allotment ESOP Allotment ESOP Allotment ESOP Allotment

2010 2010 2010 2010 2010

1,48,400 27,610 35,750 18,960 6,600

41,06,01,521 to 41,07,49,920 41,07,49,921 to 41,07,77,530 41,07,77,531 to 41,08,13,280 41,08,13,281 to 41,08,32,240 41,08,32,241 to 41,08,38,840

41,03,65,720 41,03,93,330 41,04,29,080 41,04,48,040 41,04,54,640

BOARD OF DIRECTORS - ABOUT US

• • • • • • • • •

Mr. R. Seshasayee: Managing Director, Ashok Leyland Ltd. Mr. R. Sundararaman : Former Dy Managing Director of SBI Mr. T. Anantha Narayanan : Chartered Accountant and Expert in Agriculture and Rural Economy Dr. T. T. Ram Mohan : Professor, Finance & Accounting, IIM, Ahmadabad Mr. Premchand Godha : M.D. of Ipca Laboratories Ltd., having practical experience of SSI & Agriculture Mr. Ajay Hinduja : Businessman Mr. Sushil Chandra Tripathi : I.A.S (Retired), Advocate Mr. Ashok Kini Former : Managing Director of SBI Mr. Romesh Sobti : Managing Director & CEO

35 Capital Adequacy Ratio stood at 12. MILESTONES FOR FY 2008-09 • • • • • • • • • • Total business crossed Rs. Productivity and Efficiency • • • • • • Offers a new level of banking – better services.28 from Rs 2. Dividend declared 12% up from 6%. 459. 148. advises customers on how and where to use their money to get the best out of it Projects an image of being a young. to Rs. Bagged The Economic Times Acer Intel Smart Workplace Award. Highest A1+ rating for its Certificates of Deposit by ICRA and the highest P1+ rating for its Fixed Deposits and Certificates of Deposit by CRISIL. confidence and progression Further.MISSION To position IndusInd Bank limited as a Top 3 performer in the new private bank space in 3 years measured by the 3 parameters of Profitability. energetic. 1429 crores Earning per share (Basic) increased to Rs 4.14 % as compared to 2. as a banking partner. the bank also aims to help its customers discover how they can do more things with their money. in the Financial Services category .34 crores Net Interest Income up by 53% to Rs.27% as on March 31. better understanding of unique needs and better management of finances Demystifies the banking process and makes it more accessible Apart from fulfilling traditional banking responsibilities. 2008 Net worth moved to Rs. modern bank with values of dynamism.03 crores Fee and Other Income up by 53% to Rs. 37.24 crores Net NPA at 1.800 crores Net Profit up by 98%.33 % as against the minimum regulatory norm of 9%. 456.

14% as on March 31.up from 12% .14% as against 0. 2009 The provision of Coverage Ratio against NPAs stood at 60% as against 29.76% Raised Maiden QIP issue for Rs 480 crores with an overwhelming response from the investor community Network increased to 210 branches and 497ATMs spread over 168 geographical locations in 28 states and union territories across the country as against 180 branches and 356 ATMs spread across 147 geographical locations Earning per Share ( Basic ) increased to Rs.MILESTONES FOR FY 2009-10 • • • • • • • • • • • • • Total business crossed Rs 47000 crores Net worth moved to Rs 2166 crores Net Profit up by 136% to Rs 350.28 Dividend declared 18% .27 crores Capital Adequacy Ratio ( Basel II) stood at 15.41 crores Core Fee Income up by 44% to Rs 432.50 % as compared to 1.9.31 crores Net Interest Income up by 93% to Rs 886.01 from Rs 4.33% Return on Assets at 1.58% Net NPA at 0.

bestowed the “Excellence Award”.Achievements • • • • • • Received the prestigious ‘Technology Bank of the Year-2009’ award in the private and foreign bank category from the Indian Banks’ Association (IBA). 1 for “Credit Quality” amongst all banks in India by Financial Express and Ernst & Young study. Kerala. Ranked No. The State Forum of Bankers Clubs. Highest P1+ rating for its Fixed Deposits and Certificates of Deposit (up to 1 year contracted maturity) by CRISIL Lower Tier II bonds have been rated “CARE AA-“ by CARE Bank’s Lower Tier II bonds ratings have been upgraded to "A+ (ind)" and Upper Tier II bonds ratings upgraded to "A-(ind)" by Fitch Ratings . as the second best new generation Bank in Kerala.

Indus Easy Saving Account Demat Account RFC Account Specialized Account Indus young Saver Deposit a. c. RTG`S / NEET 1. Personal Banking        Account Deposits Loans Cards Indus Reward Indus Money Service Charges Account a. d. Wealth Management Service 3. e.Service Following Service are provided by the Indusind Bank. Investment Banking 6. International Banking 5. ASBA 8. 1. c. Flexi term Deposit Sweep In / Sweep Out Deposit Young Saver Deposit Regular Recurring Deposit Flexi Recurring Deposit . d. Corporate Banking 4. b. e. Global Market Group 7. Online Shopping & E-Payment 10. Personal Banking 2. NRI Service 9. b.

Loan
a. b. c. d. e. f. g. h. i. j. k. l. m. Home loan Small Business Loan Commercial Vehicle Loan Car Loan Two Wheeler Loan Construction Equipment Loan Loan Against Share Loan Against Property Loan Against Rent Receivables Loan Against Mutual Fund Credit Against Specific Securities Traders Advances List of recovery / collection

Card
a. b. c. d. Regular Debit Card Gold Debit Card Debit Card Special offer Secure Online Shopping

2. Wealth Management Service
 Investment  Insurance  Server Mudra

3. Corporate Banking
    Large Indian Companies Small & Medium Enterprises Supply Chain Management MES – OTS Scheme

Large Indian Companies
a. Fund Based Facilities b. Non Fund Based Facilities c. Value Added Facilities

a. Fund Based Facilities
• • • • • • • Working Capital Finance Short-Term Finance Term Loan Bills Finance Supply Purchase Asset Securitization Line of Credit Assets Based Finance

b. Non Fund Based Facilities
• • Latter of Credit Bank Guaranties

c. Value Added Facilities
• • • • Associate Finance Cash Management Service Corporate Salary Account Investment Avenues For Cash

Small & Medium Enterprises
a. b. c. d. Fund Based Facilities Non Fund Based Facility Value added Facilities MSE –OTS Scheme

a. Fund Based Facilities
• • • • • Working Capital Finance Short Term Finance Term Loan Bills Finance Supply Purchase Asset Securities

b. Non Fund Based Facility
• • Latter of Credit Bank Guarantee

c. Value Added Facilities
• • • • Associate Financing Cash Management Service Corporate Salary Account Investment Avenues for Cash

3. Supply Cash Management
 Working Capital Finance  Bill Discounting

4. International Banking
       Correspondent Banking SWIFT Advisory Services Facilities to Exporters Trade Finance RFC Account for Resident Gold Banking

ASBA  What is ASBA  Designated Branches  Nodal Officer 9. Investment Banking     Product Service Global Access Induslnd Add Vale Deals Done 6. NRI Service       Deposit Schemes Value Added Service Retuning NRI Investment Taxation Offices Abroad .5. Capital & Commodities Markets         Stock Exchange Cell Commodities Exchange Cell Banker to Public Rights Debenture Trustee IPO Funding Loan Against Demat Share Depositary Service FAQ 8. Global Market Group  Foreign Exchange Desk  Money Market Desk  Derivives Desk 7.

Please refer to the Accounts listed on the top left menu for further information.Statement Mobile Banking Mobile Top up 1. We have a range of solutions which will make banking effortless for customers having diverse needs. Personal Banking ACCOUNTS IndusInd Bank Deposit Schemes help you manage your finances better by saving your time and money.Payment         Indus Net – Internet Banking Online Payment VISA Money Transfer ATM Online Bill Payment E. anytime through internet and ATM banking. A wide range of deposit schemes cater to the varying needs at every stage in your life. INDUS EASY SAVINGS ACCOUNT Indus Easy Savings Account – No Frills Account Indus Easy Savings Account is a facility to provide basic banking facilities to common man without tedious processes and higher minimum balance. FAQ 10. Simple account opening process with minimal documentation. Open an Indus Easy Savings Account and earn interest of 3. Access your account anywhere. .5% per annum. Online Shopping & E.

monthly statement through email NO Charges on non-maintenance of minimum Average Quarterly Balance Free Training on Technology Banking Important Note: 1. You never need to doubt the genuineness of your shares i. Monthly Statement can be collected through your nearest branch DEMAT ACCOUNT Shares are traditionally held in physical or paper form.and Rs. which holds your shares in the form of electronic accounts in the same way a bank holds your money in a savings account. Indus Easy Account is opened under Simplified KYC Process.1/. Depository System provides the following advantages to an investor: your shares cannot be lost or stolen or mutilated. 1.to open account Earn Interest at 3.Product Features: • • • • • • • • • • Zero Balance Savings Account. just Re. Indus Easy Account can be opened by resident individuals only 2.5% per annum Free Internet Registration ATM Card to operate at IndusInd Bank ATMs and other network partner ATMs Free Funds Transfer through NEFT Direct withdrawal facility – weekly once One cheque book issued per annum Half yearly statements will be provided.. whether they are forged . Therefore. at any point of time if the total balance or the total yearly turnover in the accounts exceed Rs. A depository system is a system.e. cumbersome and time consuming procedure for transfer of shares etc. a new system called Depository System was introduced in India after the enactment of the Depositories Act 1996. forged/fake certificates. 00.respectively.000/. to eliminate these weaknesses. Account holder will be required to provide additional documents for KYC completion. 50.000/. else the Bank will be entitled to close the account. This method has its own inherent weaknesses like loss/theft of certificates.

Share transactions like transfer. This process is known as dematerialization. INT BKG-RFC ACCOUNT As an important step towards further liberalization of foreign exchange facilities available to individual residents. Share transactions (like sale or purchase and transfer/transmission etc. You can always reverse this process if you so desire and get your shares reconverted into paper form. Bonus/Rights shares allotted to you will be immediately credited to your account. There is no need for separate communication to the company to register the transfer. You should surrender your share certificates in physical form and your DP will arrange to get them sent to and verified by the company and on confirmation credit your account with an equivalent number of shares.) in the electronic form can be effected in a much simpler and faster way. You will receive the statement of account of your transactions/holdings periodically. or foreign exchange earned through export of goods and/ or services. All you need to do is that after confirmation of sale/purchase transaction by your broker. or royalty. it has been decided by Reserve Bank of India to permit a person resident in India to open. This process is known as dematerialization. can be effected immediately. or by way of honorarium or gift while on a visit to any place outside India. transmission etc. or from an authorized person for travel abroad and represents unspent amount: or Gift received from close relative. There is no risk of bad delivery. When you decide to have your shares in electronic form you should approach a Depository Participant (DP) who is an agent of the depository to open an account. The Depository will immediately arrange to complete the transaction by updating your account. Transaction costs are usually lower than that in the physical segment. while on visit to any place outside India by way of payment for services not arising from any business in or anything done in India. honorarium etc . or From any person not resident in India and who is on a visit to India. hold and maintain with a licensed Bank (which is also an Authorized Dealer) in India a Foreign Currency (Domestic) Account and foreign exchange acquired from any of the sources specified as under can be kept in this account by the resident. as honorarium or gift payment for services rendered or in settlement of any lawful obligations. you should approach your DP with a request to debit/credit your account for the transaction.

GBP & EURO Eligible credits: Out of Foreign Exchange acquired from the sources specified as above in the form of currency notes. Eligible Debit: Payment towards current and capital account transactions in accordance with existing foreign exchange Regularities. bank notes and traveler’s cheque.Salient features Eligibility: Any person resident in India Type of Account: Current account Currency: Foreign Currency such as USD. Interest: No interest will be payable on balances held in account Cheque Book Facility: Special cheque book will be provided with ‘RFC (Domestic) Account’ notation. INDUSIND EDGE BUSINESS ACCOUNT One Account for your much business needs . Ceiling: No upper ceiling on balances held in account is stipulated by Reserve Bank of India.

2. As an Indus Edge customer. You need to get in touch with your nearest IndusInd Bank branch to facilitate your request for NEFT and RTGS. The Bank also has representative offices in Dubai and London. Free Demand Drafts enjoy the benefit of our extended reach to over 500 locations including our correspondent partner bank locations. enabling funds transfer to specified locations and branches of select banks. Step into any branch. This product will prove to be an ultimate value for money considering that you will get loads of benefits against a nominal minimum balance requirement. To facilitate its growth and ensure prosperity. One bank. we have added several offerings which will make this process smooth and efficient. Special care has also been taken to ensure that you will most certainly save precious time. anywhere in India and complete all your banking transactions. This will allow you to fund your account just before a payable At Par cheque is presented for clearing. you can withdraw cash anywhere in India at the nearest IndusInd Bank branch . 3. Please contact your nearest branch for the latest list of locations. Payable at Par Cheque No more blocking your precious funds in demand drafts. Get Free* Demand Drafts. Payment Strength 1. The Bank has 180 outlets spread over 137 geographical locations in 28 states and union territories across the country. RTGS and NEFT services are available to you free of cost. secure peace of mind and also get the best in terms of service. Anywhere Access One country. payable at all IndusInd Bank branches and partner bank locations across India. The Ideal Current Account for Your Business IndusInd Bank understands the nature of your business needs and has tailored products to meet them. Edge through Electronic Banking Experience the power of express fund transfer through Real Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT). One account. 4 . Get Free* At Par Cheque that are treated as 'local clearing' cheque across all our branch locations. Cash Withdrawal at Non-Home Location Indus Edge allows real access to your own money.Indus Edge Business Account IndusInd Bank knows how much your business means to you. Save the money and effort that goes into the managing and maintaining of multiple accounts with various banks to meet your payment location requirement.

This helps in transferring funds instantly from one account to another at any of our branches across the country. Anywhere Collection Enjoy additional savings and efficiency of anywhere services. payable on IndusInd Bank locations. Monday through Saturday. Outstation Collection Add more edge to your business. And that's not all. we pay. 2. Indus Edge does not bind you at a static cash deposit limit. Our branches remain open from 10 AM to 4 PM**. with a reach of 137 IndusInd locations for collecting your cheque. you can perform any of the following functions on Indusnet: o Requests Request for New Cheque book Request for Account Statement Request for Demand Draft Request to Stop Payment of Cheque • Additional Services Interact with Your Personal Banker Indicative Foreign Exchange Rates • • Phone Banking You access. Now deposit your locally payable cheque at any IndusInd location. with a free* collection of outstation cheque.Collection Strength 1. Long Banking Hours We are open for long hours to serve you better and allow you to access the Bank at your convenience even when you are tied up with busy schedules. absolutely free. • • . our flexi free cash deposit limit is five times the balance maintained in the previous month for local deposits Other Services • Doorstep Banking IndusInd Doorstep Banking enables you to have cheque and cash picked up or delivered from / to your doorstep on a daily basis or on call basis. How about that for saving time?! Internet Banking (Indusnet) Your Indus Edge Account allows you either view-only or transaction access. with our local branch. at a time convenient to you. Cash Deposit Our unique flexi cash deposit allows you to enjoy additional savings on your account. Our Customer Contact Centre offers you personalized service. We will collect your funds and remit to your account at the home location. Just pick up the phone and call us Toll Free on 1800-22-0061 or on 0224406-6666. based on your banking requirement.

4. Free monthly statements will be available on demand. Euro (€) and Pound Sterling (GBP-£). EEFC Account As an Edge client. the EEFC Accounts will be eligible for the following special rates: • Import transaction (inward remittance) . Toll Free No. All offers subject to change at the sole discretion of the Bank 2. Remittances from EEFC Account: In lieu of currency conversion margins. Foreign Cheque Collections: You can deposit foreign currency cheque payable anywhere in the world.000 and POS limit of Rs. There will not be any foreign currency margin on the same. You can also use the card to make purchases at merchant establishments. 7. The Account allows: 1.: 1800-22-0061(for BSNL and MTNL subscribers)or 022-4406 6666 Please refer to the Schedule of Charges for details. The status of your transaction will be intimated to you via SMS. we can also alert you on FD maturity dates. 50. . you can also avail of the Nil balance EEFC Account in three leading currencies . 5. 25.0. Moreover. 3. Currently. whereas there is no restriction on cash withdrawals in INR.25% on the amount involved Non-Export transaction (outward remittance) .US dollar (USD). Foreign Currency Drafts: Using your EEFC Account. International Debit Card you can use your International Debit Card to withdraw cash from any Visa ATM. we offer a daily cash withdrawal limit of Rs. Cash deposit into EEFC Account: Deposits in foreign currency is permitted only against applicable conversion margin. you can also purchase Foreign Currency Drafts in USD.0. Avail of the PULL message service by sending key words like 'TXN' or 'BAL' or with parameters to 5676757. You can check daily account balance of any large credits or debits and have standing instructions successfully executed. Foreign Currency Chequebook for international transactions is available on demand. enabled with the help of the correspondent bank network will ensure that the cheque are credited to the Account extra fast. Cash withdrawal from EEFC Account: Withdrawal s in foreign currency are permitted only against applicable conversion margin. GBP and EURO.125% on the amount involved You can ask your nearest IndusInd Bank Branch to guide you on the requirements for opening the EEFC Account.000 on our regular debit card.125% on the amount involved • Export transaction (outward remittance) .• • Mobile Banking and Alerts Our Mobile Banking and Alerts Service enable you to access your Bank Account on your mobile Phone. 6. Our wide coverage.0.

Thus. as an Indus Prestige customer you will receive preferential treatment at all the 180 Bank branches spread over 137 geographical locations in 28 states and union territories across the country Dedicated Relationship Managers You need an efficient transaction bank to cater to your business needs in the demanding world of business. no more blocking your precious funds in demand drafts. at IndusInd Bank understand your business needs and present tailor-made products to meet your expectations from the Bank. Payable At Par Cheque with Your Account As an Indus Prestige customer. Add Prestige to Your Business We. Features Payment Strength A. As an Indus Prestige Business Account holder you will be assigned a dedicated Relationship Manager who will take care of all your business banking transaction needs and even assist you in planning your finances.INDUS PRESTIGE BUSINESS ACCOUNT Experience personalized care with a dedicated Relationship Manager Indus Prestige Business Account Some privileges are reserved for a chosen few. It provides loads of features across payments and collection products. The offer also comes loaded with transactional features which will surely add money to your wallet. The product has been designed to add value to your business through swift transaction handling and backed by a well-informed servicing team. At IndusInd Bank. The Payable At Par cheque allow you the freedom of making payments at over 137 IndusInd locations. . What’s more. Hence we provide you with a dedicated Relationship Manager who will be your single point contact at the bank. Indus Prestige comes to you with a host of other premium services and exclusive benefits. The Relationship Manager will ensure that your requirements are prioritized and your expectations are met. besides an experienced service team. You can fund the Account just before the Payable At Par cheque is presented for clearing. you get unlimited free access to Payable At Par cheque that are treated as ‘local clearing’ cheque across all our branch locations. we have dedicated the Indus Prestige Business Account to service your premium business needs.

This helps in transferring funds instantly from one account to another at any of our branches across the country. Other Services • Doorstep Banking IndusInd Doorstep Banking enables you to have cheque and cash picked up or delivered to your doorstep on a daily basis or on call basis. Free Demand Drafts In case you decide to use our extended reach to make a payment. absolutely free. with a free collection of outstation cheque payable at IndusInd Bank locations. We will collect your funds and remit to your Account at the home location. Save the money and effort that goes into the managing and maintaining of multiple accounts with various banks to meet your payment location requirements. C. As an Indus Prestige customer. B. you can perform any of the following functions on Indus net: • . Cash Withdrawal at Non-Home Locations Indus Prestige allows real access to your own money. based on your banking requirement. Cash Deposit Our unique flexi cash deposit allows you to enjoy additional savings on your Account. Our flexi. And that’s not all. to enable fund transfer to specified branches of banks. Anywhere Collection Enjoy additional savings through efficiency of anywhere services. at a time convenient to you. Power of Electronic Banking Experience the power of express fund transfer through Real Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT). Outstation Collection Add more to your business. D. Deposit limit. enjoy the payment reach benefit at more than 500 locations including our partner banks. RTGS and NEFT services are available to you free of cost. Get in touch with your nearest IndusInd Bank branch to facilitate request for NEFT and RTGS. collect your local cheque at any of our 137 locations. Collection Strength A. Indus Prestige does not bind you to static cash C. How about that for saving time?! Internet Banking (Indus net) Your Indus Prestige Account allows you an option of selecting view-only or transaction access. withdraw cash anywhere in India at the nearest IndusInd Bank branch.B. free cash deposit limit is five times the balance maintained in the previous month for your local cash deposits.

Monday through Saturday. Moreover. you have the option of subscribing to the Nil Balance EEFC Account in any of the three leading currencies – US dollar (USD). Euro (€) and Pound Sterling (GBP-£). International Debit Card you can use your International Debit Card to withdraw cash from any Visa ATM or make purchases at merchant establishments.• Requests Request for New Chequebook Request for Account Statement Request for Demand Draft Request to Stop Payment of Cheque • Additional Services Interact with Your Personal Banker Indicative Foreign Exchange Rates • Phone Banking You access. Just pick up the phone and call us Toll Free on 1800-22-0061 or on 0224406-6666. You can check daily account balance of any large credits or debits.000 on the Gold Card. we offer a daily cash withdrawal limit of Rs. 50. EEFC Account As an Indus Prestige client. • Long Banking Hours We are open for long hours to serve you better and allow you to access the Bank at your convenience. Our branches remain open from 10 AM to 4 PM*. Avail of the PULL message service by sending key words like ‘TXN’ or ‘BAL’ or with parameters to 5676757. we can also alert you on FD maturity dates. we pay. Currently. Mobile Banking and Alerts Our Mobile Banking and Alerts Service enable you to access your Bank Account on your mobile phone. The Account allows: • • • . Our Customer Contact Centre offers you personalized service. The status of your transaction will be intimated to you via SMS.

Societies. Foreign Currency Cheque Book for international transactions is available on demand. Why Indus TASC Account? No Minimum Balance Requirement We value your relationship and hence do not prescribe any minimum balance requirement. . called Indus Collect. The offer also covers Educational Institutions. Associations. there are no penalties for non-maintenance of minimum balance in the account. Payment through Foreign Currency Drafts using your EEFC Account. In other words. you can also purchase Foreign Currency Drafts in USD. You can get in touch with your Relationship Manager or nearest IndusInd Bank branch for more details on the product and enrollment details. • • INDUS TASC FOR TRUSTS. you have the option to enroll in an exclusive Cash Management Service. This service empowers you to manage funds by reducing collection time at a fraction of the cost. Charitable Hospitals and NGOs. Our wide coverage. Trade & Professional Associations. with us for collection. Indus Collect covers 250 locations for local collections and 1. Cash Management Services As an Indus Prestige customer. Clubs and NGOs. There will not be any foreign currency margin on the same. Please contact your nearest IndusInd Bank branch for more information on the EEFC Account.000 locations for outstation collections.• Foreign Cheque Collections you can deposit foreign currency cheque payable anywhere in the world. enabled with the help of a correspondent bank network will ensure that the cheque are credited to your Account extra fast. ASSOCIATIONS. SOCIETIES & CLUBS A Zero-Balance Savings Account The exclusive Indus TASC Account is a specially designed value-added Savings Account for non-profit organizations like Trusts. GBP and EURO.

. we offer free demand drafts on IndusInd Bank locations unto Rs. FCRA Accounts IndusInd Bank offers FCRA Accounts to the Trusts / Associations approved by Ministry of Home Affairs to receive 'Foreign Contributions'. called Indus Collect. while fund transfers through RTGS are priced at a competitive rate. even in another city. Unlimited Transactions. Free Collection Services Cheque drawn on any location where IndusInd Bank has a branch will be credited to your account without any service charge. You also save precious money on the demand draft making charges in addition to additional float in the account until cheque is presented for clearing. Email Account Statements We offer free daily statements of account on the email ID registered with us. enabling you to issue cheque for outstation payments on all IndusInd Bank centers. Fee Collection Services (FCS)* FCS is a tailor-made offering from IndusInd Bank which facilitates fee collections for Education Institutions through Cash Management Services.Free Anywhere Banking You can operate your Indus TASC Account from any IndusInd branch. we offer you services of cash withdrawal at non-home locations. 5 laces per month Also. The Bank offers attractive foreign exchange rates and unique facilities for inward remittance. Unlimited Fund Transfer Indus TASC Account offers you flexibility of using the cheque book without worrying about the limit on the number of free transactions per month. there is no need to open additional accounts with other banks for demand drafts. Also. Indus TASC Account offers you unlimited free fund transfers through NEFT. Demand Drafts If you desire to issue a demand draft. Electronic Banking We understand that you need to transfer funds to the remotest corners of India within the shortest time. Our tie-up with partner banks ensure that you receive unmatched payment reach of over 500 locations at competitive pricing. making donations much faster and convenient. without the hassles of buying demand drafts for making payments. when presented in local clearing. Free Multi-City Cheque (At Par) Facility The Indus TASC Account offers payable at par cheque book facility.

Trade & Professional Associations.Investment Opportunities Multiply Your Returns Indus TASC Account offers you an opportunity to earn Fixed Deposit (FD) Interest while enjoying the convenience of accessing the money when required. Associations. but also gives access to our privilege offers and invites. Clubs. ASSOCIATIONS. This Account unveils a gamut of privileges for nonprofit organizations like Trusts. Associations. Toll Free No.a specially designed valueadded Savings Account for larger non-profit organizations. are different. NGOs etc. All offers subject to change at the sole discretion of the Bank INDUS PRIME TRUSTS. . Societies and Clubs The banking needs of larger non-profit organizations like Trusts. The Fixed Deposits will be broken in LIFO basis for the reverse sweep. NGOs. You can instruct us to sweep your excess balance into fixed deposit and link it to your Indus TASC Account. The offer not only combines the best of its class services. That is why we are introducing the Indus Prime Savings Account . etc. Also. SOCIETIES & CLUB A Special Savings Account for Trusts. Clubs. Societies. Societies. Charitable Hospitals and NGOs. to allow for automatic reverse sweep whenever a cheque is presented for clearing against your Account. we offer you services of cash withdrawal at non-home locations.: 1800-22-0061(for BSNL and MTNL subscribers) or 022-4406 6666 please refer to the Schedule of Charges for details. Free Anywhere Banking You can operate your Indus PRIME Account from any IndusInd Branch even at another city. The offer also covers Educational Institutions. Mutual Fund Investments We have tied up with leading Asset Management companies to maximize opportunities for you. You can get in touch with our investment councilors or the nearest branch to help you in selecting the best option suited for your goals. Why the Indus Prime TASC Account? We present to you a privilege offer meant for image and value-conscious TASC entities. Associations.

our correspondent bank tie-up ensures that you receive unmatched payment Reach of over 500 locations. Email Account Statements We offer free daily statements of account on the email ID registered with us. while fund transfer through RTGS are priced at a competitive rate. there is no need to open additional accounts with other banks for demand drafts. Also. Fee Collection Services (FCS) FCS is a tailor-made offering from IndusInd Bank which facilitates fee collections for Education Institutions through Cash Management Services. without bothering about buying demand drafts for making payments. Free Payment at over 500 Locations In the event of your need to issue a demand draft. the Indus PRIME Account offers you unlimited free fund transfer through NEFT. Electronic Banking We understand that you need to transfer funds to the remotest corners of India within the shortest time.Free Multi-City Cheque (At Par) Facility The Indus PRIME Account offers unlimited Payable At Par cheque-book facility enabling you to issue cheques for outstation payments on all IndusInd Bank centers. Unlimited Fund Transfer Indus PRIME Account offers you the flexibility of using the cheque book without worrying about the limit on the number of free transactions per month. . Free Collection Services Cheque drawn on any location where IndusInd Bank has a branch will be credited to your Account without any service charge. Unlimited Transactions. You also save precious money on the demand draft making charges in addition to the benefit of keeping money in your account for an additional period. we offer unlimited free demand drafts on IndusInd Bank locations. until your cheque is presented for clearing. totally free of cost. whether presented in local clearing or given to us for outstation clearing. called Indus Collect.

1. The Bank offers attractive foreign exchange rates and unique facilities for receiving remittances. You can get in touch with our investment councilors or the nearest branch to help you in selecting the best option suited for your goals.000 pm Payments Cheque Book (At Par) Cheque Transaction Based Fund Transfer (Within IndusInd) DD / PO (On IndusInd) DD (Correspondent Bank) DD (Non-Correspondent Bank) DD / PO Cancellation / Duplicate(Only for IndusInd) DD / PO Revalidation (For IndusInd) Cash Withdrawal (Home Location) Cash Withdrawal (Non-Home Location) NEFT Free Free Free Free Free Rs 3/1000. You can instruct us to sweep your excess balance into Fixed Deposit and link it to Indus PRIME Account.000 Rs. Investment Opportunities Multiply Your Returns Indus PRIME offers you an opportunity to earn Fixed Deposit (FD) Interest while enjoying the convenience of accessing the money when required. SCHEDULE OF CHARGES Monthly ADB Balance Non-Maintenance Charge 1. 1/1000 Free . 100 per instrument Rs.000 Rs. to allow for automatic reverse sweep whenever a cheque is presented for clearing against your Account.00.100 and max Rs15. making donations much faster and convenient. min Rs. Mutual Fund Investments We have tied up with leading Asset Management companies to maximize opportunities for you.FCRA Accounts IndusInd Bank offers FCRA Accounts to the Trusts / Associations approved by the Ministry of Home Affairs to receive 'Foreign Contributions'. The Fixed Deposits will be broken in LIFO basis for the reverse sweep. 50 per instrument Free Rs.

min Rs.5 lacks 5 -10 lacks 10 . 400 Rs.50 lacks 50 lacks Cheque Pickup (On Call) Free once a day Rs. 2/1000.100 per cheque + Out of pocket charges Rs.IndusInd Location) Cheque Return (Outward . 150 per Instrument 5 times of previous month ADB free. 100 Rs. 50 Rs. 10 per page .100 Contact Branch Free once a day Free Free Free Rs. deposited Free Free Others ECS Return Cheque Return (Inward) Cheque Return (Outward . 1/1000. 150 Free Quarterly Rs.20 lacks 20 . 200 Rs. 2/1000 Rs.RTGS ECS Payments Free Free Collections Local cheque/DD/PO (Home Location) Local cheque/DD/PO (Non-Home Location) Outstation Cheque on IndusInd Location Outstation Cheque on non IndusInd Location Cash Deposit (Home Location) Cash Deposit (Non-Home Location) NEFT RTGS Doorstep Banking* Cash Delivery / Pickup (Per Call) Till 2 lacks 2 . 50 and max Rs. 250 per cheque Rs. 1. 250 Rs.Outstation) Stop Payment (Single Instrument) Stop Payment (Cheque Series) Account Statement (e-Statement) (Monthly) Account Statement (Physical) Duplicate Statement / Ad hoc Statement Rs. 800 Rs. thereafter Rs.

As a Bank we feel a strong responsibility in securing your financial future – not just by offering you a portfolio of savings and investment solutions for your family.: 1800-22-0061(for BSNL and MTNL subscribers) or 022-4406 6666 please refer to the Schedule of Charges for details.Dormant Account Free At select location only Toll Free No. EI is an educational research and services organization working with more than 2 lakh school children annually. we have tied-up with Educational Initiatives (EI). ensuring their good health and habits – you always wish you had the time and resources to give them the best they deserve. IndusInd and EI bring the following attractive offers: . benchmarking with other students nationally and delivering online improvement programs that your child can avail of as per his/her convenience and need. For our privileged customers. Knowledge is Wealth towards this end. providing strength/weakness analysis at a subject/skill level. but by also bringing to you a treasure-chest of knowledge-based solutions to help your children learn smartly and sow the seeds of intellectual wealth. India’s leading educational diagnostic tests provider for students in classes 3 to 10. All offers subject to change at the sole discretion of the Bank INDUS YOUNG SAVER Specially designed to build and secure your child’s future At IndusInd Bank. we understand your varied needs as a parent– getting the best education for your children. savings for their future.

in . select the test type under ‘Purchase Tests Online’. and then provide your 3.Free ASSET Online Test – Skill-Based Diagnostic Test: ASSET Online is a special test which helps students improve. Logon to www. Special Discount of Mind spark . Unlike regular tests which merely try to find out how much a child can reproduce (or has memorized). including comparisons with peers to help He/she improve.at a pace he/she is comfortable with. six or twelve months– all of which would be offered to you at a special discount of 20%. How to avail of the ASSET Online special benefits in 3 easy steps: 1.Digital Adaptive Learning Solution: Mind spark is a computer based self-learning program that helps the child hone his/her skills in Moths.in and register IndusInd Debit Card Number Proceed and take one test free 2. You can subscribe to Mind spark for one. The interactive interface ensures that the student learns actively by answering questions of progressively increasing complexity levels and not by passively listening to someone. you get a 50% refund on the second test. which will be credited to your IndusInd account as a cash back.assetonline. Logon to www.mindspark. How to avail of the special discount on Mind spark in 3 easy steps: 1. Science and English. The test is available online and can be taken by students of classes 3-10 in Math’s. Through intelligent program logic. Students get detailed daily work reports and parents get weekly progress reports free with the subscription. After you’ve registered. If you purchase a second test using IndusInd payment gateway online payment. this test measures how well a student has understood concepts and gives detailed feedback on the same. or viewing ready-made solutions. it allows each student to follow a learning path that is based on his/her specific need.

6 months to 120 months TDS not applicable on Recurring Deposits You can setup Standing Order Instructions from your account to your child’s Young Saver Account and watch his savings grow. for online payment (click on “Buy Mind spark”) Login to Mind spark for an exciting learning experience the discount will be credited to your IndusInd account as a cash-back. leaving Rs. Purchase a subscription at a special discount of 20% by using the IndusInd Bank payment gateway 3.100/. What’s more. let your money work hard to earn for you … with IndusInd Bank Fixed Deposits. All offers subject to change at the sole discretion of the Bank. DEPOSIT You have worked hard to earn your money.2.in SB account Tenure of Flexi Recurring Deposit . The BENEFITS of fixing your deposits with IndusInd Bank > Flexible range of tenures to suit your investment plans > Choice of various Fixed Deposit schemes > Interest payable monthly.11/-. The Young Saver Account The Indus Young Saver account is specially designed to build your child’s financial and intellectual wealth. half yearly. quarterly. to inculcate healthy saving habits in your child you can request for a Debit Card where you can set the limit on how much he/she can spend/withdraw on a daily basis! Toll Free No. You can avail of the above offers if you open a Young Saver account for Your child which gives you the following additional benefits: • • • • • Open the account with a minimum deposit of Rs. annually or at maturity as per your convenience > Interest is payable by cheque or by credit to your Savings / Current account > Competitive interest rates > Nomination facility available > Partial withdrawals permitted > Auto Renewal facility > Special rates for Senior Citizens > Recurring Deposits which encourages savings . this account can be opened as a free add-on account with a regular IndusInd Savings account A combination of Savings Bank Account and Flexi Recurring Deposit Balance in Savings Bank Account will be transferred to a Flexi Recurring Deposit on the last day of every month. Now.: 1800-22-0061 (for BSNL and MTNL subscribers) or 022-4406 6666 *Please refer to the Schedule of Charges for details.

Clubs. Minimum Deposit amount Rs. Societies. Partnership Firms. Nomination facility Available Premature Closure Allowed Best For Individuals and Corporate who are in need of short term investment SWEEP –IN & SWEEP –OUT DEPOSIT . please contact your branch for special rates FLEXI TERM DEPOSIT IndusInd Bank extends flexibility in partial withdrawal of Term deposit without affecting the remaining portion of deposit. Amount > The initial minimum amount to invest is INR 10000. HUFs.00 > There is no maximum amount. Guardians on behalf of Minors. Sole Proprietorships. Trusts and Associations.1000 units and part withdrawals are being treated as closure of units with applicable rate of interest. > For Senior Citizens. Companies.Eligibility IndusInd Bank Fixed Deposits can be opened by Individuals. Ltd.10000/Interest Rate As applicable to Term deposits including Senior Citizen benefits TDS on Interest Applicable Deposit Tenor 7 days to 120 months Documents required > Application form > Passport size photograph > Proof of Residence > Introduction Features Term deposit is treated as a cluster of Rs. the minimum amount is INR 50000.00 > for deposits above INR 1 core. Tenure 7 days up to 10 years.

Similarly. as per customers instruction.IndusInd Bank offer Sweep out facility over a cut off limit in CA and SB accounts. refer to specific Savings Account product feature Current Account.As per the account type held. In case of insufficient balance in the CA/SB account at any point in time.11/Interest Rate As applicable to Term deposits in the case of Recurring Deposit . refer to specific Current Account product feature Interest Rate As applicable to Term deposits including Senior Citizen benefits TDS in Interest Applicable to the Term deposits Deposit Tenor 30 days to 24 months Documents required > Application form > Passport size photograph > Proof of Residence > Introduction Features Balance over the specified amount maintained in the transaction account. with minimum interest loss to the customer Minimum Deposit amount Savings Account. will be automatically transferred to Term Deposit for a predetermined period. the Term deposits would be closed and credited to the CA/SB account (Sweep-in) as and when it is required.As per the account type held. required amount will be transferred to these accounts by breaking deposits to the benefit of the customer Nomination facility Available Premature Closure Allowed Best For Individuals and Corporate who are getting continuous float in CA/SB YOUNG SAVER DEPOSIT IndusInd Bank inculcate savings habit among children with high return on their savings by linking Savings Bank Account with Flexi Recurring Deposit. Account is being opened and operated by the guardian for the minor Opening Balance Rs.

In case of joint deposits. leaving Rs. the first name should be of the Senior citizen.50% than the actual rate for General Public TDS on Interest Applicable Deposit Tenor 7 days to 120 months Documents required Application form Passport size photograph Proof of Age & Residence Introduction Features Special rate is applicable to Senior citizen those who have completed 60 years of age.100/.No maximum Interest Rate + 0.in SB account Nomination facility Available Premature Closure Allowed Best For Young children SENIOR CITIZEN IndusInd Bank offer special rates to Senior Citizens on Term Deposits Minimum Deposit amount Rs.25000/.TDS in Interest Recurring Deposits are exempted from TDS Deposit Tenor 6 months to 120 months Documents required > Application form > Passport size photograph > Proof of Residence > Introduction Features Balance in Savings Bank account will be transferred to a flexi recurring deposit on the last day of every month. .

ECS Mandate or by regular direct remittance Nomination facility Available Premature Closure Allowed Best For Business class and Self employed with varying income stream . REGULAR RECURRING IndusInd Bank accumulates your monthly installments with high yield through its Recurring Deposit Scheme Opening Balance Rs.Deposits under Senior citizen should not be used as security for commercial purposes Nomination facility Available Premature Closure Allowed Best For Senior Citizens who have completed 60 years of age.500/Interest Rate As applicable for term deposits including the benefits of Senior Citizens TDS in Interest No TDS as per current regulations Deposit Tenor 12 months to 120 months Documents required Application form Passport size photograph Proof of Residence Introduction Features Fixed monthly installments are being remitted to Recurring Deposit by a Standing Order.

1000/Interest Rate As applicable for term deposits including the benefits of Senior Citizens TDS in Interest No TDS as per current regulations Deposit Tenor 12 months to 120 months Documents required > Application form > Passport size photograph > Proof of Residence > Introduction Features Recurring Deposits are treated as unit of Re 100/Nomination facility Available Premature Closure Allowed Best For Business class and Self employed with varying income stream LOANS IndusInd Bank offers a range of loan schemes for all your special needs that require finance.RECURRING / FLEXI RECURRING DEPOSIT IndusInd Bank guarantee higher return on your recurring deposit along with the flexibility of varying monthly installments Opening Balance Rs. Features: > Simple Paperwork > Fast Processing > Calculate your monthly installment on EMI Calculator Contact your nearest branch to know more! .

Equitable Mortgage to be created by the borrower. Quantum Minimum Loan of Rs.2 lakes Prepayment charges 2% (+ Service tax and Cess as applicable) of outstanding amount Best For Salaried & self-employed Individuals HOME LOANS FOR NRI Home Loan for Non Resident Individuals Home Loans . Spouse to stand in as Co-applicant to the loan (wherever applicable).Home Loan for Resident Individuals Home Loans For construction of a Residential Property  Purchase of house / flat Take over of an existing Loan For Renovation / Improvement / extension of House  Margin 15% of the Property cost as assessed / approved by the Bank Security House property.

75 % floating rate for a tenor of 2 to 10 years for loan quantum more than Rs.For construction of a Residential Property  Purchase of house / flat  Take over of an existing Home Loan For Renovation / Improvement / extension of House  Margin 15% of the Property cost as assessed / approved by the Bank Tenure Maximum 120 months Security House property within India. Personal Guarantee by the applicant’s Power of attorney (POA) holder. Equitable Mortgage to be created by the borrower. We offer a wide range of services to meet all the banking requirements of small and medium enterprises. Quantum Minimum Loan of Rs.2 lakhs Rate of Interest (Applicable with reference to the Current BPLR of 17. SMALL & MEDIUM ENT For any business to succeed.50% (+ ST & Cess as applicable) of the sanctioned loan amount as administrative fee Best For Salaried Individuals.00%) 11.30 lakhs 11.30 lakhs Prepayment charges 2% (+ Service tax and cess as applicable) of outstanding amount Processing Charges 0. .25 % floating rate for a tenor of 2 to 10 years for loan quantum less than Rs.25 % (+ ST & Cess as applicable) of the loan amount applied for as processing fee 0. This POA should be an Indian Resident Individual and preferably a blood relative of the applicant. the availability of funds throughout its life cycle is of paramount importance.

> Your guarantor should be known to you and should preferably be our existing customer. IT returns & Wealth Tax term copies . > For special purpose vehicle (e. If you are new to this field. Purpose: For the purchase of new and used commercial vehicles of all manufacturers. > You or your guarantor should own immovable unencumbered property equivalent to the amount financed and a copy of the property deed and tax paid Chillan to be furnished. your guarantor should meet this criterion.The limits are fixed keeping in view the enterprise's need for funds against the value of the security. COMMERCIAL VEHICLE LOAN Eligibility > You or your guarantor should have at least 3 years experience in relevant transport operations. IT returns & Wealth Tax term copies.his business. > Profit and Loss account and Balance Sheet for past 2 years. > Cash generation potential from the vehicle should be at least 1. > You or your guarantor should have been a resident of that area at least for three years. He should not be your relative. Tippers). > Registration Certificate > Contract copies for special purpose vehicles/ vehicles deployed against specific contracts > Statement of earlier loans taken > Copy of property deed for immovable property owned > RC book photocopies for vehicles owned > Details of your guarantor .his business.Ration card or Passport copy or Voter's ID > Contract copies for special purpose vehicles/ vehicles deployed against specific contracts > Statement of earlier loans taken Copy of property deed for immovable property owned > RC book photocopies for vehicles owned > Copy of Income Tax and Wealth Tax returns for past two years > Details of your guarantor .g. net worth. margin available and credit worthiness of the borrower's enterprise.3 times of the installment payable after meeting all operational expenses. Partnership Firms > Partnership Deed and authorization letter for partnership firms. Documents > Proof of residence . net worth. you should have concluded contracts covering at least 50% of the proposed contract tenure. > You or your guarantor should own at least one free vehicle.

Signature verification.1. .at the end of loan period) You should be residing at the current address for a minimum of one year and in the city for 3 years Professional / Partner / Proprietor/Director: You should be in business for a minimum of 3 years.5 lakhs per annum Your loan to income ratio to be max 2 times.65 years of age. Residence proof If necessary. Form 16 for latest year Proof of residence. Co-borrower may need to give income documents also Other Terms Two references to be provided for both borrower and co-borrower Minimum Loan amount: Rs 1 lakh for new cars and Rs 50k for used cars Minimum Tenor: 1 year. Your current place of residence should be occupied for a minimum of one year and in the city for 3 years Co-borrower You should provide a co-borrower who resides in the same city Co-borrower to give ID proof. Your Income to Annual emi of proposed loan to be minimum 2 times You should be self employed within 30.60 years of age(or retirement age which ever is lesser. You should be within 25 . A signature verification from a bank or a valid driving license/Passport copy/Pan card copy and bank statements for the last six months.CAR LOAN Eligibility Salaried Individual: > You should be employed for a minimum of 2 years > Your minimum net salary should be Rs 1. Your minimum gross income should be Rs. Max tenor: 4 years for new cars and 3 years for used cars Loan to Value (%) Up to 85% for new cars and up to 75% for Used Cars (Varies according to models) No of present owners in Used Cars: Maximum 3 Age of Used Car at the end of loan period: Maximum 8 years (Varies according to models) Documentation Salaried individual The salary slips from the last 2 months.5 lakhs per annum Your net monthly take-home salary should be at least 2 times of the total monthly installment including proposed and rent paid Your loan to income ratio to be max 2 times.

. > Proof of residence.computatiion of income. Copies of Income Tax return and computation of income tax for the last 2 years. signature verification(Any one of above as indicated) > Telephone bill copy. You should be within 60 years of age. > Identity proof > Proof of residence. Signature verification from a bank/driving license/passport copy/pan card copy and bank statements for the last six months. Identity proof Telephone number of your office/residence and postpaid or residence landline bill copy Self-employed / Proprietor The balance sheet and profit and loss account attested by a CA for the last 2 years.Proof of two years of employment. You should be residing at the current address for a minimum of 2 years. Your photograph. Your net monthly take-home salary should be at least 3 times of the monthly installment. Your minimum gross salary should be Rs. Partner in a Firm > ITR. Balance sheet and profit and loss account attested by a CA for the last 2 years.8.per month. Balance sheet and profit and loss account attested by CA for the last 2 years for the company > Bank statements for last 6 months > Individual IT returns in case car is to be in individual name > MOA/AOA of the company > Board Resolution (In case the company is part of the agreement) > Proof of residence. signature verification(Any one of above as indicated) > Identity proof > Telephone bill copy Director in a company > IT returns. TWO WHEELER LOAN Eligibility:Salaried Individual (SI) You should be employed for a minimum of 3 years and with the current employer for a minimum period of 1 year. > Letter of authority/consent letter from all partners to execute the agreement.000/. > Telephone number of your office/residence along with postpaid/landline bill copy latest. > Bank statements for last 6 months > Partnership deed copy.

> The tenor of the contract against which the equipment to be deployed should be co-terminus with our Hire Purchase contract term. 00.Ration card or Passport copy or Voter's ID.000/. Your Bank Account track record and CIBIL data should be good. Salary slips for the last 3 months (SI) / copies of Income Tax Return and computation of Income for the last 2 years as filed (SEP/SENP) and Balance Sheet & Profit and Loss accounts duly audited. Identity Proof. Your credentials would be verified with references given and independently by doing verification at your residence and place of work / business.5 times the finance amount. Proof of Residence.p. > The contract against which equipment is to be deployed should be awarded in your name. CONSTRUCTION EQUIPMENT LOAN Eligibility > You and your guarantor should have a minimum of 2 years experience in construction/relevant field.Self Employed Professional/ Non-Professional (SEP/SENP) You should be in business for a minimum of 5 years and in current business for a minimum period of 2 years. You should be within 60 years of age. Proof of Business (SEP/SENP). Last 6 months’ bank statement of the salary credit account along with all/any other bank accounts held (SI) / of primary bank account (SEP/SENP). . Purpose For purchase of Construction/Earth Mining Equipment of all brands. DOCUMENTATION Age proof (where your age is <24 years or >58 years). Application Form duly filled / recent passport size photograph affixed. COMMON NORMS (SI/SEP/SENP) All your existing loan and other fixed commitments would be considered in arriving at the eligibility. Else you have to provide proof of alternate contracts held/possibility of new contracts.a. Your current place of residence should be occupied for a minimum of 2 years.1. Documents Individuals > Proof of residence . > If the contract against which the proposed equipment to be deployed is a subcontract. Your minimum profit should be Rs. the main contract should guarantee the proposal > Estimated gross receipts from contracts on hand should be at least 2.

. Business Purposes: For meeting financial requirements for your professional or business purposes other than operations on stock markets Loan Amount Minimum Rs. However shares held with other Depository Participants may also be accepted as security. at Bank's discretion: Conditions: Current Account to be opened with the Bank for availing the OD facility Depository Account to be opened with the Bank for holding the Demat shares. > Details of guarantor . 1 lac. Partnership Firms > Partnership deed and authorization letter for partnership firms. Margin 40% of the value of shares for approved Stocks only. May be renewed on request. net worth.> Contract copies of contracts executed. on hand and full details of cost against which this equipment is to be deployed. Only Demat shares from the Banks' approved list will be accepted as security. IT returns & Wealth Tax term copies LOAN AGNST DEMAT SHARES Indus Demit Cash Scheme Eligibility Adult Individuals Purpose The loan is given for any of the purposes broadly categorized as under : Personal Purposes: For meeting personal expenses like for marriage. education. > Registration Certificate of Partnership Firms > Contract copies for special purpose vehicles/ vehicles deployed against specific contracts > Statement of earlier loans taken > Copy of property deed for immovable property owned > RC book photocopies for vehicles owned > Details of your guarantor .his business. Maximum Rs.20 lacs Security Equity Shares of the Companies on the approved list of the Bank held in demit form. > Copy of Income Tax and Wealth Tax returns for past two years. > Profit and Loss account and Balance Sheet for past 2 years. housing. medical etc. IT returns & Wealth Tax term copies. > Statement of earlier loans taken > Copy of property deed for immovable property owned > RC book photocopies for vehicles owned and details/proof of other machinery already owned. Value of Shares Current Market Price Period of Loan For 12 months.his business. net worth.

For further details contact any of our Branches or write to reachus@indusind.5 lacs to Rs.If the value of shares pledged falls and after deduction of margin amount the residual value is not adequate to cover the outstanding in the loan account. the amount of shortfall should be paid or additional shares of adequate value should be pledged within 24 hours. Documentation Simple Documentation. Nature of facility Loan or Overdraft Margin 25% . Penal Interest 2% over the applicable rate in case of irregularity or overdue in the account. without any notice.50 lacs Repayment 60 equated monthly installments Best For Small Businessmen and Traders LOAN AGNST RENT RECD Discounting of Lease Rental IndusInd Bank extends credit limits to landlords who have let out their property to Banks. MNCs and other institutions.com LOAN AGNST PROPERTY Loan against Property for Business IndusInd Bank extends credit facilities for business development against collateral security of house property Nature of facility Loan or Overdraft Margin Collateral security of 133% Security Equitable mortgage of property Quantum Rs. Default If the shortfall in the account is not rectified either by payment of funds or by pledging additional shares the Bank may at its discretion sell the shares for recovery of its dues wholly or partly.

Quantum Maximum Rs. Best for Individuals investing in Mutual Funds CREDIT AGAINST SPECIFIED SECURITIES IndusInd Bank solves your liquidity problem without liquidating your long term investment.100 lacks Security Equitable mortgage of property let out Repayment Out of rental income Best For Landlords LOAN AGAINST MUTUAL FUNDS IndusInd Bank solves your liquidity problem without liquidating your long term investment.Quantum According to the unexpired rent receivable less TDS Rs. Nature of Facility Overdraft Margin 20% of face value Security Pledge of specified security Quantum .5 lacks to Rs. Repayment Service the monthly interest and settlement of account with own sources or by disposal of units. Security Pledge of Mutual funds unit. Nature of facility Overdraft Margin 50% of the repurchase value/NAV.20 lacs.

Best for Wholesale / Retail traders with valid license / registration REGULAR DEBIT CARD Surprising how a slim piece of plastic with a magnetic strip eases life! Whether it is an ATM card or a credit card.10 lacs.No ceiling Period Renewable every 12 months Repayment Service the monthly interest. The advantage of almost universal acceptability of a credit card comes with a subtle disadvantage of indulging in extravagance without thought of prudence.10 lacs and the eligibility would be fixed as per various financial parameters. The ATM card. Settle account with own source or by bullet payment at the time of maturity Best for Salaried class and IT payers TRADERS ADVANCES IndusInd Bank extends Working Capital limits to small traders and businessmen on the basis of turnover and other parameters. But not without limitations. Projected turnover and audited financial statements for credit limits over Rs. while ensuring that you do not spend beyond limits also comes with the inconvenience of hunting for an ATM center every time you need cash. there are definite advantages to the increasing trend of cashless transactions.the IndusInd Bank Visa Power Card . Repayment By monthly installment / on demand and servicing of monthly interest. Nature of facility Demand Loan / Overdraft Margin 25% Security Primary security of stock and collateral security of property. Quantum 20% of annual turnover up to Rs.an International Debit Card that is as widely accepted as a credit card but restrains you from overspending! . Trust technology to come up with the ideal solution that combines the advantage of both the ATM card and the credit card with the limitations of neither: The Debit Card! And trust IndusInd Bank to bring it to you .

MITR.After all. International . 25.000 VISA / PLUS ATMs in India Use any ATM of our network partner.Over 350 ATM of IndusInd Bank in India . for someone like you who is going places.Over 3. at Petrol Pumps and Railway Stations transaction charges are levied as per Industry practice) . Kindly read the terms & conditions. your IndusInd Bank Account will instantly debited every time you transact using your Power Card at any VISA-accredited Merchant Establishment or ATM. Visit your nearest branch for more information and our Customer Service Executive will attend to all your queries. 50. anywhere across India or the world.000* At Merchant Establishments: Rs. NFS & SBI.VISA.000* *subject to the balance in your account Eligibility Resident Indians holding any of the following Account(s) with IndusInd Bank Savings Account Current Account (Sole Proprietorship) Comfort Account (Salary Account) Non-Resident Indians holding any of the following NRE Account(s) with IndusInd Bank NRE Savings Account NRE Current Account Charges There is no charge for using the card at IndusInd Bank ATMs. eating out. Using the VISA Electron Online debit card program.000 Merchant locations. There is no charge for using the card at a Merchant Location (However.Over 1 million VISA / PLUS ATMs across the globe Merchant Establishments India . International .Over 26 Million Merchant locations. traveling or whatever.Over 30. you need a card that can accompany you too! The IndusInd Bank International VISA Power Card ensures that there are no inconvenient detours to an ATM Center in your journey to your destination. 50. be it shopping. Benefits International Access to ATM India . Usage Advantage The daily limits per card are as follows: At ATMs : Rs.

Once your PowerCard is activated you can start using it immediately at any VISA Merchant Establishment or VISA ATM across the world. please use your IndusInd Bank PowerCard at any IndusInd Bank / Visa linked ATM using the PIN mailed to you separately. We recommend that when you change the PIN to one of your choice immediately. please cut the ATM Card diagonally into two pieces and discard the same. loss. or lost and misused before IndusInd Bank is informed. Should you subsequently recover your PowerCard. a replacement Card may be issued at the sole discretion of IndusInd Bank.per card Transaction Fee Transaction Cash Withdrawal Balance Inquiry Domestic Visa/ Plus ATMs Free Free International Visa/ Plus ATMs Rs 125/- Rs 25/- Service tax @ 10. expenses or damages that may arise due to loss or misuse of the PowerCard in the event that it is lost and not reported to IndusInd Bank. You can either check your account balance or withdraw cash. this must be reported to any branch of IndusInd Bank in India or to the VISA Global Assistance Services Helplines whilst abroad. you must confirm the same in writing to IndusInd Bank as soon as possible.30% will be levied on all fees charged by the bank. Please destroy the PowerCard by cutting it into several pieces through the magnetic strip. The loss or theft of the PowerCard should be reported to IndusInd Bank immediately. IndusInd Bank is fully indemnified against any liability (Civil or Criminal). you shall be liable for all amounts debited to the account. A copy of the acknowledged police complaint must accompany the written confirmation. Should transactions be received by IndusInd Bank after the PowerCard has been lost or stolen but before receipt of your written communication. Lost or Stolen Card In the event of the PowerCard being lost or stolen. cost.Tariffs Annual Fee Duplicate Pin : Rs 100/. 50/. Activation To enhance security and ensure that your PowerCard is not misused. Although loss or theft may be reported by any means. If you have an ATM card currently. Zero Lost Card Liability Insurance The insurance benefit provided on the Card will be available as per terms of the relevant insurance policy .per card : Rs. Also please keep changing your PIN periodically. Provided you have in all respects complied with the terms and conditions. it must not be used.

in force. exclusions and conditions mentioned in the standard policy form and subject to a limit of indemnity as stated in the policy. 7 days a week. 24 hours a day. IndusInd Bank does not hold any warranty and/or make representation about quality. These services can be used for lost/stolen card reporting or miscellaneous information that you may require overseas regarding medical. There will be no coverage provided on cash withdrawals done through ATMs. You may be asked to submit additional documents. These services are available to you at the following toll-free numbers: Australia: 1-800-45346 Hong Kong: 800-900-782 Canada: 1866-639-1911 United Kingdom: 0800-169-5189 Singapore: 800-4481-250 United States: 1866-765-9644 France: 0800-904-349 Germany: 0800-1822891 Japan: 0053-44-0022 If in any other part of the world call: 410-581-9994 (for reporting lost card only). the benefit of such insurance cover shall automatically and ispo facto cease to be available from the date of cessation of membership. For any queries please feel free to call our Customer Care Executives on our Toll Free number 180022-0061 (for BSNL and MTNL subscribers) or 022-4406 6666. legal or other matters. Cover is restricted to seven days from the date of discovery of the theft or loss of the card. from VISA Global Customer Assistance Services. delivery of the cover. IndusInd Bank will not be liable for any delayed settlement of claims. when they travel overseas. Please note that the services are charged as follows: Miscellaneous Customer Service enquires: US$ 5 per call. The cover under this policy is against debits established against IndusInd Bank as a result of the use of a lost or stolen card by any unauthorised person to purchase tangible goods or services. Lost/stolen Card reporting: US$ 35 per card . Global Customer Assistance Numbers Debit Card Cardholders from IndusInd Bank can receive global assistance. as such transactions require the use of a PIN which is confidential to you. The Zero Lost card liability insurance cover has been taken by IndusInd Bank from National Insurance Company as per the warranties. as per the requirements of the case. The insurance benefits are available to you regardless of other existing insurance that you may avail of. as long as you are and remain a Cardholder of IndusInd Bank with your account conduct being deemed satisfactory and in the event of the Card and/or account facility being terminated for whatever reason. claims processing or settlement of the claim by National Insurance Company in any manner whatsoever. The meaning of 'debits' within terms of this policy shall be 'those debits occurring between the time of reporting of loss/theft of Debit Card by the cardholder to IndusInd Bank and the time of hotlisting of such a debit card'.

Over 26 million merchant locations Other Benefits 0% fuel surcharge from ANY outlet Personal Accidental Insurance to the tune of Rs.Over 350 ATM of IndusInd Bank in India . to exceed your expectations at any of the VISA ATMs or Point-Of-Sale terminals. 1.000/Exclusive offers on various Outlets Free transactions on any VISA ATMS in India Mobile Alerts on every transaction .GOLD DEBIT CARD IndusInd Bank is pleased to bring you its value added Gold Debit Card.000 VISA / PLUS ATMs in India Use any of our network partner-VISA. in any part of the world.000* # At Merchant Establishments: Rs.Over 1 million VISA/PLUS ATMs across the globe Merchant Establishments India . International Access to ATM India .000 Merchant locations International . 50.000/Loss of Baggage liability to the tune of Rs.00. customer has to do multiple transactions due to the different transaction limits set by different banks. This card is designed for YOU. 50. 50. Unique Features / Benefits of Gold Debit Card: Usage Advantage The daily limits per card are as follows: At ATMs: Rs.000/Lost Card Liability to the tune of Rs.000* * Subject to the balance in your account # In the case of other Bank ATMs. 50.000/Purchase protection to the tune of Rs. NFS & SBI International . MITR. 1.Over 30. 00.Over 3. 1.00.

per card Duplicate Pin Rs. These services are available to you at the following Toll-Free numbers: Australia: 1-800-45345 Hong Kong: 800-900-782 Canada: 1866-639-1911 United Kingdom: 0800-169-5189 Singapore: 800-4481-250 United States: 1866-765-9644 France: 0800-904349 Germany: 0800-1822891 Japan: 0053-44-0022 If in any other part of the world call: 410-581-9994 (for reporting lost Card only).per card Transaction Fee -Free on any Visa ATM’s in India. 125/Rs. 50000/. if an average Quarterly Balance maintained is Rs. 24 hours a day. Lost/stolen Card reporting: US$ 35 per card. 250/. Please note that the services are charged as follows: Miscellaneous Customer Service enquiries: US$ 5 per call. when they travel overseas from VISA Global Customer Assistance Services. Global Customer Assistance Numbers: Gold Debit Card cardholders of IndusInd Bank can receive global assistance. 7 days a week. These services can be used for lost/stolen Card reporting or miscellaneous information that you may require overseas.30% will be levied on all fees/charges charged by the bank.24 hours Customer Care Mobile SIM recharge facility at all IndusInd ATMs Loyalty points on Mobile recharge and POS transactions Tariffs Description of Charges Gold Card Annual Fee Rs. INDUS MONEY Indus Money A Cash Back Program for IndusInd Bank customers .and above. 50/. Transaction Cash Withdrawal Balance Inquiry Domestic Visa/Plus ATM Free Free International Visa/Plus ATM Rs. 25/Service tax @ 10.

Debit Card. With IndusInd Bank’s range of Savings Accounts. etc. which rewards you for all types of spending on your Savings Account viz. Transaction Mode Debit Card Purchase SI/ECS e-Payments or Mobile Top-Up Withdrawals @ ATMs Money Back (for the month) Re.for every transaction. Your rewards will be credited into your account automatically every month.5/. the ‘Indus Money’ program rewards you for performing even basic transactions on your account.1/. Mobile Top-ups Cash Withdrawals from our ATMs Railway and Airline Ticket Payments Investments into SIP.: • • • • • Shopping and e-Shopping Utility Bill Payment. we believe in making Banking convenient for you. upto 5 transactions p.At IndusInd Bank.20.500/.for upto cumulative value of Rs.m Rs.000/. ATMs and Internet Banking to avail of the benefits under this program.2/.for every transaction. we believe that the best banking experiences are those that give you more than just what's expected.2/. you'll not feel left out either. anywhere. And if you are someone who prefers cash for shopping and miscellaneous payments. with noupper cap Rs.m . Stocks. Please refer to the top left menu for further information on the same.m Rs.for every Rs.spent.p. After all. as we reward you for ATM withdrawals as well! Indus Money is available to both Gold Debit Card & Regular Debit Card holders. through a Standing Instruction (SI) or Electronic Clearing System (ECS) You can use any of our Direct Banking Channels viz.150/.for every Rs. upto 5 IndusInd transactions p. Banking couldn’t have been any more rewarding!!! What is Indus Money? ‘Indus Money' is a unique cash-back program for our customers. besides the convenience of accessing your account anytime. And our Indus Money program has been designed keeping this belief in mind.

per day and Purchase limit of Rs.50.1000/.per day Personal Accident Cover of Rs.each for registration of Free e-Statements. Alerts and eWallet Service. Great! How do I get started? This program is available to all Individual Savings Account holders.x 5 txns 3 Regn (1st month) “Money Back” credit to account* (in Rs.00. What’s more.00.5000/.For further details. ATMs Free Monthly Email Statements All-India Contact Centre for any transaction enquiry etc.) 20/25/80/10/30/165/- How do I track my Indus Money? The rewards would be credited to your account the month after transactions are effected.3000/Rs.000/- . you would get a bonus of Rs. The Visa Gold Card comes with attractive features viz.: • • Higher Cash Withdrawal limit of Rs. Below is a sample scenario for your monthly transactions and rewards thereon: Transaction Mode Debit Card Purchase e-Payments SI / ECS Payments ATM Txn e-Registrations Total Number/ Amount of Transactions in a month Rs.500/.1.x 4 txns Rs. 000/.10/. You can track your transactions and Indus Money credits conveniently through: • • • Free Instant SMS Alerts Anytime Transaction History on Internet Banking.1. who take a Gold Debit Card*.x 5 txns Rs. please refer to the terms & conditions given below.000/.

5.000. Debit Card Purchase. Benefits: • Medical Health check exempted /No prior medical reports will be required • Insurance premium payable under the scheme is at a concession • Health Insurance coverage is available up to 70 years (Age limit at the time of application is 69) . Terms & Conditions 1.1. Cash Withdrawal or internal funds transfer through cheque transaction will not be eligible under this program. Example . There is no money-back for fuel transactions on debit card purchase since fuel surcharge is absorbed by the Bank for Gold Cards. simply call our Contact Centre or visit your nearest Branch.500/. For ATM cash withdrawals & e-Payments. pay-out per transaction will be capped at Rs.Indus Protect. 8. Only Individual Savings account holders would be able to take the benefits of this offer. For cash-back on SI/ECS.40/.000/. There is no carry forward of cash-back awards to the next month. 10.000/.50.For transactions done in the month of January.• • • Lost Card Liability to the tune of Rs.20/. This is a value added unique facility to all our existing and prospective term deposit holders in the age group of 90 days to 70 years. IndusInd Bank reserves the rights to withdraw / modify the offer at any time without any notice thereof. the credit will be posted in the account by February end. without a medical check-up to the tune of Rs. Payouts applicable only in those months where average balance is above Rs.for Indus Privilege Plus.50. 4. to get Health Insurance coverage.1 lakh. Visa Money Transfer. 6. only transactions above Rs. The minimum cash back amount should be Rs.00/.00 for all other account products. at concessional rate.000/Purchase Protection & Baggage Insurance to the tune of Rs.ATM Cash Withdrawal. example.10.00. The credit for transactions in a particular month will be given after 1 month.000. 9. 7. etc) in a month to be eligible for credit into the account.for Indus Privilege and Rs 10. This Money Back offer is applicable to new and existing Gold Card holders.000/-). under Group Health Insurance cover for Term Depositors of our Bank. 3. INDUS PROTECT IndusInd Bank is offering its Fixed Deposit customers a Health Insurance Cover .will be eligible for cash-back.respectively Exclusive Visa offers on various Outlets 24 hours Customer Care To get your IndusInd Gold Card. Rs 20.and 2 spend transactions (with atleast one etransaction.(Spend of Rs. 2.

x-ray. Close to 150 minor surgeries will be covered under this benefit that require more than 2 hours. Pre-hospitalization Expenses: up to 30 days. Local Ambulance Services: in event of emergency. diagnostic tests) • Dressing. Day Care Expenses: for hospitalization even less than 24 hours. but less than 24 hours. anesthesia and oxygen and their administration • Physical therapy Drugs and medicines consumed on the premises • Hospital miscellaneous services (such as laboratory. operating theatre.• Senior Citizens are included • Paramount Healthcare Management (the most experienced health services provider) or any other TPA (Third Party Administrator) of choice • Cash free hospitalization services in over 1400 hospitals across 250+ cities in the country • Hospitals are included in the network based on stringent evaluation on quality of services and treatment facilities • TPA will provide identity cards for customers (to be displayed for getting admitted) • Simple documentation • Master Policy with Individual certificates will be provided to customers through IndusInd Bank Features: • Hospitalization (Due to Illness or accidental Injury) • Room and board • Doctor’s fees • Intensive Care Unit • Nursing expenses • Surgical fees. ordinary splints and plaster casts • Costs of prosthetic devices if implanted during a surgical procedure • Organ transplantation including the treatment costs of the donor but excluding the costs of the organ Post-hospitalization Expenses: up to 60 days. Coverage is only provided in the event of an Emergency up to the limits given in Schedule of Benefits. If the Insured is diagnosed with an Illness which results in his Hospitalization and for which the Insurer accepts a claim under hospitalization benefit. Emergency ambulance road transportation by a licensed ambulance service to the nearest Hospital where Emergency Health Services can be rendered. Immediately following the Insured’s discharge when he requires further medical treatment directly related to the same condition for which the Insured was hospitalized. To Register for Indus Protect all you need to do is download and complete the Application Form with your details along with your signature and send across to your branch along with the documents required. (Provided that those 60 days start & end within the policy period. .

your personal endeavors. Mutual Funds. Depending on what suits your needs best. which could consist of Mutual funds. Equity IPO.39 Billion in General Insurance. We simplify the demands of managing your wealth in order to enable you to devote more time to your business. Marine. we help you effectively monitor your assets and financial plans. We offer a host of financial instruments that includes Fixed Deposits. Property. GENERAL INSURANCE IndusInd Bank offers customized solutions that include Accident. we assist you in the development of integrated financial strategies that are consistent with your personal goals. preservation and transfer and their ramifications on you and your family. Mitsui Sumitomo is the second largest insurance Group of Japan with a net written premium of US$ 12. Chola MS is headquartered in Chennai and has 113 offices spread across India. bathroom accessories and Consumer finance. we can build an asset allocated investment portfolio for you. Liability. and your family.WEALTH MANAGEMENT SERVICES IndusInd provides a holistic view of a client’s current financial situation. and Gold etc. Cholamandalam MS General Insurance Company (Chola MS) is a joint venture between the US$ 3 Billion Murugappa Group & Mitsui Sumitomo Insurance Group Japan. Abrasives. Health. We integrate goal-based financial planning. advanced portfolio management and asset allocation. Cycles. For visiting our Wealth management website please click the link below INVESTMENTS IndusInd Bank offers you personalized investment options to help achieve your financial objectives. Wealth management and financial planning requires the consideration of numerous aspects of wealth accumulation. Bonds. Insurance. Through our comprehensive and strategic approach. Motor. Solutions are tailor-made to suit each individual's requirements. In constructing your investment portfolio. With our special expertise and organizational tools. we draw upon a comprehensive range of financial products. Travel & Rural Insurance for individuals as well as corporate customers in association with Cholamandalam MS General Insurance Company Ltd. Murugappa Group is a pioneer and market leader in various fields and has strong presence in fertilizers. Health Insurance . Bonds and Insurance products. Sugar. allowing us to make dependable recommendations and successfully manage valued and trusted relationships.

Dabur. Retirement Planning and Protection in association with Aviva Life Insurance.9 Available at all IndusInd branches across the country Can be purchased by cash (up to Rs. With a strong sales force of over 30. Keeping with Aviva’s commitment of social responsibility. Discount available for bulk purchases LIFE INSURANCE IndusInd Bank offers customized insurance solutions which offer comprehensive product portfolio meeting all customer life cycle needs of Child planning. Insurance is the subject matter of the solicitation. including the concept of Bancassurance and Financial Health Check services. Aviva has been successful in reaching out to the underprivileged strata through their Microinsurance initiatives. Savings.000 Financial Planning Advisers (FPAs). Aviva Life Insurance India is a joint venture between one of the country’s oldest and largest groups. 50. In case of DD/PO. .000).Motor Insurance Home Insurance Travel Insurance IndusInd Bank is the Certified Corporate Agent for Cholamandalam MS General Insurance Company (Chola MS) and nothing contained on the Website shall constitute or be deemed to constitute an advice. delivery will be affected only after receipt of clear funds. Participation by all IndusInd Bank customers is voluntary. Aviva has initiated and pioneered many innovative sales approaches.9 pure gold coins • • • • • • Attractively priced gold coins (5gm and 10gm) and ingot (50 gm) Magnificently designed product. SUVARNA MUDRA Suvarna Mudra – A range of 999. an offer to purchase or an invitation or solicitation to undertake any activity or enter into any transaction relating to the General Insurance Products. Can be purchased by non-customers too. A seasoned team of fund managers make our fund management are one of the key differentiators with Aviva. the world's fifth largest and the UK's largest insurance group. presented in Tamperproof Assay Certified Certicard Highest purity – 999. and Aviva plc. whose association with India dates back to 1834. debit to account (IndusInd customers) or against Payorder /Demand Draft.

Other services include issuance of foreign guarantees. letters of credit. We also handle Bullion . stand-by letters of credit etc. and small-scale enterprises. foreign exchange and cash management services to large Indian companies. in Indian Rupees and Foreign Currencies at competitive price. With our strong customer oriented approach. the availability of funds throughout its life cycle is of paramount importance. With our strong customer oriented approach. both large. We offer a wide range of services to meet all the banking requirements of small and medium enterprises. trade and transactional services. The facilities are structured to meet specific needs of the client taking into account a client's risk profile. both large and medium. Retirement. trade and transactional services. Zoha) and Rupee Drawing Arrangement (under DDA. term loans. we have built relationships with a number of Indian companies including those belonging to well known industrial houses. we extend credit facilities for covering the transactions keeping in mind the requirements of their business associates to minimize their borrowing costs. The limits are fixed keeping in view the enterprise's need for funds against the value of the security. foreign exchange and cash management services. SUPPLIERS & CUST We have products for suppliers and customers of our corporate clients. We also arrange buyer and suppliers credit for our importer clients at competitive rates of interest. International Division also handles remittance portfolios of Exchange Houses in Foreign Currencies and Indian Rupees under different schemes such as Money Transfer Services Schemes (Moneygram. We offer Trade Finance to exporters. Investments and Protection but right investment strategie that will help you plan for a secured future CORPORATE BANKING IndusInd Bank provides a wide array of commercial. we have built relationships with a number of Indian companies including multinationals. margin available and credit worthiness of the borrower's enterprise. transactional and electronic banking products to corporate clients in India. term loans. well known domestic business houses and public sector companies. non DDA and speed remittance schemes). please contact our branch nearest you and / or click on the category of your organization. The facilities are structured to meet specific needs of the clients keeping in mind their risk profile. For more information on our corporate banking services. We have innovative products designed with focused approach to suit requirements of various segments. SMALL & MEDIUM ENT For any business to succeed. INTERNATIONAL BANKING IndusInd Bank provides a wide range of international banking products and services to corporate clients.Aviva brings to you. not just a robust product portfolio meeting all your lifecycle needs related to – Savings. both at pre and post shipment stage. In order to facilitate completion of supply chain management of our large corporate customers. LARGE INDIAN CO We offer credit facilities including working capital finance. We offer corporate banking services including working capital finance. This ensures minimum paper work and quick transaction delivery. Innovative products are designed with focused approach and to suit the requirements of the clients. and small and medium scale enterprises.

SEBI has introduced a supplementary process of applying in public issues. Our sector understanding and expertise as well as our strong domestic and international relationships help us provide clients with the best solutions for all their needs GLOBAL MARKETS GROUP The treasury of the bank is a very active participant in the inter-bank market. 40 branches are full-fledged authorised dealers in foreign exchange. along with an authorization to Self Certified Syndicate Bank to block the application money in a bank account. the “Applications Supported by Blocked Amount (ASBA)”. INVESTMENT BANKING We are a boutique Investment Bank (SEBI registered Category I Merchant Banker). which interacts with the corporate clients keeping them abreast of the latest happenings in the international markets and advising them on risk management tools available and the best strategies for hedging their exposures CAPITAL MKT The Bank’s Capital and Commodities Market group has a range of services for different segment of clients like Investors. which offers the facility of Application Supported by Blocked Amount. . The treasury is divided into foreign exchange and money market desks. The foreign exchange desk is supported by the sales desk. Eligibility of investors for ASBA: All investors except Qualified Institutional Buyers (QIBs) are eligible to apply through ASBA in public issues. Out of our 131 branches. Self Certified Syndicate Bank (SCSB): SCSB means a banker to an issue registered with SEBI. viz. We have set up “Forex Service Cell” with centralised foreign exchange operations for the remaining branches. Meaning of ASBA: Application Supported by Blocked Amount (ASBA) means an application for subscribing to a public issue. We have dedicated team of professionals with vast experience in a wide range of Investment Banking services We work closely with every client to ensure that they get the best results out of our resources. Brokers.trade on consignment basis and satisfy the needs of the gold. silver and other commodity traders in the country. It mobilizes resources for the bank from domestic as well as international markets and also manages the surplus funds available by deploying it profitably. Corporates etc WHAT IS ASBA? To make the existing public issue process more efficient. With our customer oriented approach we have built relationships with number of Indian and Overseas Companies as well as International Banks for our domestic and overseas operations. IndusInd Bank is an SCSB and will accept applications under ASBA from its account holders for all public issues.

2. as the case may be. ensure that we are always within reach. 5. Click here to download the application forms for ongoing issues or please visit http://www. 4. Our wide network of 180 branches spread across India. Bank shall give ASBA investors an acknowledgement for the receipt of ASBAs. 6. Please click on any of the below links for more information on our products and services. For withdrawal of bids by ASBA investors during bidding period. you get unmatched benefits that extends well beyond your basic banking needs. the Registrar to the issue shall send an appropriate request to the CB of Bank for unblocking the relevant bank accounts and for transferring the requisite amount to the issuer’s account designated for this purpose. Bank shall make available the information about revision in the bidding period or price band of any issue. 7. It has received the ASBA in a physical or electronic form and b. Once the basis of allotment is finalized. on the basis of an authorization to this effect given by the account holder in the ASBA.nseindiaipo. 2009 available on SEBI website.html NRI – SERVICES At IndusInd. The application data shall thereafter be uploaded by the Bank in the electronic bidding system through a web enabled interface provided by the Stock Exchanges. Applicability of ASBA process: ASBA process shall be applicable to all book-built public issues. Bank shall block the highest of the bid amt. strategic alliances with other banks across the globe and representative offices in Dubai and London. on its website. SEBI/CFD/DIL/SABA/1/2009/30/12 dated December 30. With IndusInd Bank's range of products and features. Experience the world of hassle-free. In case of withdrawal / failure of the issue. . wherever you are. Bank shall not upload any ASBA in the electronic bidding system of the Stock Exchange(s) unless – a. we believe that the best banking experiences are those that give you more than just what's expected and our NRI services have been designed keeping this belief in mind. 3. the amount shall be unblocked by the Bank on receipt of information from the pre-issue merchant bankers through the concerned Registrar to the Issue. for information of ASBA investors. Bank shall not accept more than five applications per account per issue. Other information for ASBA investors: 1. Salient features of the ASBA facility are detailed in circular no. as and when received. in case there are more than one bid. Bank shall delete the original bid from the electronic bidding system of the Stock Exchange(s) and funds will be unblocked in the relevant bank account as per timelines specified in the ASBA facility. The Bank shall then block the application money in the bank account specified in the ASBA. There is sufficient amount to block the highest bid as per ABA application form. Bank shall not accept any ASBA after the closing time of acceptance of bids on the last day of the bidding period.com/issueforms/html/index. The application money shall remain blocked in the bank account till finalization of the basis of allotment in the issue or till withdrawal / failure of the issue or till withdrawal / rejection of the application.ASBA Process in brief: An ASBA investor shall submit a physical ASBA to the Bank. secure and convenient NRI Banking with IndusInd Bank.

Funds .NRI Savings Accounts NRE Premium Savings Account NRO Premium Savings Account NRE Regular Savings Account How Do I ? Open an NRE / NRO Savings Account? Choose whether I need to open a NRE / NRO Account? Locate my nearest branch in India? NRO Regular Savings Account Remittances Indus . operated and maintained by Reserve Bank of India to enable funds settlement on real-time basis across RTGS enabled banks in the country. Qatar and Union National Bank. IndusInd Bank’s Alternate Delivery Channels give you 24x7 access to its services. UAE) SWIFT / Telegraphic Transfer RFC Deposits Money Transfer Services Scheme (MTSS) DELIVERY CHANNELS We believe in adding convenience to your banking experience. This is the fastest possible money transfer system through the banking channel. The minimum amount to be remitted through RTGS is Rs. RTGS / NEFT What is RTGS? Real Time Gross Settlement (RTGS) System is set up. from anywhere in the world.Fast Remit (for US based customers) Indus Speed Remit (through Exchange Houses) Fixed Deposits NRE Fixed Deposits NRO Fixed Deposits FCNR Deposits E-remittance (in alliance with Doha Bank. The RTGS system is primarily for large value transactions.1 lakh. What is NEFT? National Electronic Funds Transfer (NEFT) system is a nation wide funds transfer system to facilitate transfer of funds from any NEFT enabled bank branch to any other NEFT enabled bank branch.

15 1.112. In Cores Sr.0 290.09 .820. 4 5 Interest Earned (a)+(b)+(c)+(d) Interest/ discount on advances/ bills Income on Investments Interest on balances with Reserve Bank of India and other inter bank funds Others Other Income TOTAL INCOME (1+2) Interest Expended Operating Expenses (I)+(ii) Employees Cost Other Operating Expenses TOTAL EXPENDITURE EXCLUDING PROVISIONS AND 720.03 187.31 483.25 2.21 557. Gen.201 0 2.2009 6 13. Particular Quarter ended 31.12 4 69. No.83 Year ended 31.260. (Cantonment).42 204.57 447.61 3.47 1.74 6 31.15 456.01 2.95 559.84 1 27.77 17.03. (a) (b) (c) (d) 2.99 2.2010 Quarter ended 31.2009 2.03.14 359.67 77.5 445.44 547.53 1 62.74 652.77 157.80 4 78. Pune 411 001 Audited Financial Results as at March 31.706.850.397.transferred under NEFT will be credited to the beneficiary’s account on the same day and there is no minimum or maximum amount for remittance through NEFT. 2010 Rs.556.47 1. Office : 2401.94 23.58 Year ended 31. 3.48 3.56 1 10. FAQ – RTGS FAQ – NEFT RTGS enabled – IBL Branches RTGS enabled – Other Bank Branches NEFT enabled – IBL Branches NEFT enabled – Other Bank Branches Regd.44 2.68 132.95 553.30 51.32 7 83.58 736.03.309.03.765.84 1 69.24 15. Thimmayya Road.36 852.793.89 2.47 1.15 10.93 126.11 5.72 1.

61 1.83 1 .74 350.33 - 1 .65 50.00 90999984 100.19 1.42 1.50 1.84 - 140.58 264000016 74.05 182.28 4.13 1.80 - 200. of Shares Percentage of Shareholding Promoters and Promoter Group Shareholding Pledged / Encumbered Number of Shares Percentage of Shares (as a % of the total shareholding of promoter and promoter group) -Percentage of Shares (as a % of total share capital) Non-encumbered Number of Shares Percentage of Shares (as a % of the total 53.34 - - - - 97.01 8 .83 1.80 4.10/.02 1 79.47 101.95 Nil 15.38 97.31 410.27 255.33 - 1.52 3 55.23 0.65 148.14 319454656 77.76 - 7 2.83 2 55.96 78.49 21.49 79.(not annualized) NPA Ratios Gross NPA Net NPA Gross NPA (%) Net NPA (%) Return on Assets (%) (annualized) Public Shareholding No.48 151.072.29 703.) Basic EPS before / after Extraordinary items.CONTINGENCIES (4+5) OPERATING PROFIT BEFORE PROVISION AND CONTINGENCIES (3-6) Provisions (other than tax) and Contingencies Exceptional items Profit(+) / Loss(-) from ordinary Activities before Tax Tax Expense Net Profit(+) / Loss(-) from ordinary Activities after Tax (1011) Extraordinary items (net of tax expense) NET PROFIT FOR THE YEAR (12-13) Paid up Equity Share Capital (Face Value: Rs.23 0 .00 90999984 100.42 9 .37 255.02 179.19 350.89 368.15 148.47 101.14 0.16 319454656 77.754.96 410.52 533.42 Nil 12.83 255.97 50.55 - 2.50 1 .00 90999984 100.31 227.) Reserves excluding revaluation reserves Analytical Ratios Percentage of shares held by Government Capital Adequacy Ratio (%) Earnings per share .14 0.34 355.754.55 - 1.(not annualized) Diluted EPS before / after Extraordinary items.14 147.39 2.13 1.25 170.072.37 Nil Nil Nil Nil 90999984 100.61 1.42 Nil 12.95 Nil 15.34 49.each.76 264000016 74.00 .34 1.(Basic and Diluted) (Rs.

 Other Income includes Profit on sale of investments/securities of Rs 4. 10/.17 25. 57.97.a for a period of 63 months.50% p.140 equity shares of Rs.  The working results for the year ended March 31. aggregating to Rs.  During the year ended March 31. 2010 from those followed for the year ended March 31. the Bank allotted 5.at a price of Rs. 2010.  During the quarter ended March 31. and depreciation on investments.50 per share. 87. 2009. non-performing assets (NPAs).50 crs for the quarter ended March 31.63 22. Bank raised Subordinated Tier II Bonds of Rs.79. income-tax and other usual and necessary provisions.48.  The Bank issued 5.2010 as compared to Rs. 480. 2010.63 Notes:  There has been no material change in the accounting policies adopted during the year ended March 31.17 25.Net of profit on sale of investments/securities other income was higher by 44% .500 shares pursuant to the exercise of stock options by certain employees.shareholding of promoter and promoter group) Percentage of Shares (as a % of total share capital) 22. 2010 have been arrived at after considering provision for standard assets. 2009. 420 cores at an interest coupon of 9. 2009 through Qualified Institutional Placement (QIP) route.44 crs for the quarter ended March 31.35 cores on August 17.

2010. the Board of Directors has recommended a dividend of 18% (previous year 12%) subject to the approval of the members at the ensuing Annual General Meeting.  Previous period / year figures have been regrouped / reclassified. 2010. The above results were reviewed by the Audit Committee and thereafter taken on record and approved by Board of Directors at its meeting held on April 16. Further. where necessary to conform to current period / year classification .  There were no unresolved investor complaints at the beginning of the quarter. during the quarter ended March 31. 2010. the Bank received 102 investor complaints. All the complaints have been suitably disposed off  For the year ended March 31.

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