SBI Kiosk Banking Commissions Circular, w.e.f. 1st October, 2015.

Dear Business Associates,

We are pleased to announce the new commission structure for SBI kiosk banking w.e.f. 1 st October, 2015. The commission structure of money transfer has
been made very attractive based on your market feedback. We need to make sure that your respond by increasing business significantly.

The real benefit of Kiosk Banking is combination of Money Transfer/Cash-in and use Aadhar Enabled Payments System (AEPS) for cash-out. This will allow
you to take cash from customer for cash-in/money transfer and use same cash for AEPS based cash out. This will ensure minimum cash management of
Kiosk and less efforts to go to bank to deposit cash. As you are aware most banks are supporting AEPS, we strongly recommend this facility to our
partners. This way your Kiosk banking is working like ATM for all banks using AEPS. Finally please convert more and more “Walk-in” customers to open
bank account with you, input valid contact no and register Aadhar to earn handsome profits.

Please find below the new CSP commission structure (All customer charges will be debited from your KO limit and payout will be net of service tax and
TDS as applicable):
REVISED FEE TO BE COLLECTED FROM CUSTOMER AND CSP REMUNERATION (w.e.f. 01.10.2015)
S.No Particulars Location Fee for the facilities recoverable BC Remuneration Gross CSP Commission w.e.f. Gross CSP Commission w.e.f. 01/10/2015
. from Customers (w.e.f. 01/10/2015) 01/10/2015 as % of payout (Inclusive Service tax and TDS)
received by BC (Oxigen) earning
(Inclusive Service tax and TDS)
1 SB account opening fee including enrollment RuSu & Rs.20/- per account Rs. 20/- per account 60% Rs. 12/- per account
SB account opening fee with initial deposit of minimum RuSu & Rs.20/- per account Rs. 20/- per account + additional 60% Rs. 12/- per account + additional Rs.3/-
Rs.100/- UrMet Rs.5/-
2 Opening of accounts RD RuSu & Nil Rs.20/- per account 50% Rs.10/- per account
UrMet
3 Opening of accounts STDR (Period: Minimum 1 year) RuSu & Nil 0.50% of amount deposited (Max 43% 0.22% of amount deposited (Max Rs. 10/-)
UrMet Rs. 25/-)
4 Cash Deposit (Maximum Rs.20,000/-) RuSu & Upto Rs. 10,000/-: 0.25% of the Upto Rs. 10,000/-: 0.25% of the Upto Rs. 10,000/-: 0.14% of the amount, Min
UrMet amount, Min Rs.2/-, Max Rs.8/- amount, Min Rs.2/-, Max Rs.8/- 55% Rs.1.1/-, Max Rs.4.4/-
Rs. 10,001/- to Rs.15,000/-: Rs.10/- Rs. 10,001/- to Rs.15,000/-: Rs.10/- 55% Rs. 10,001/- to Rs.15,000/-: Rs.5.5/-
Rs. 15,001/- to Rs.20,000/-: Rs.12/- Rs. 15,001/- to Rs.20,000/-: Rs.12/- 55% Rs. 15,001/- to Rs.20,000/-: Rs.6.6/-
4.a Cash Deposit using AEPS-On-US (FI/Non-FI) (Max. RuSu & 0.25% of the amount, Min Rs.2/-, Max 0.25% of the amount, Min Rs.2/-,
upto Rs.10,000/-) UrMet Rs.8/- Max Rs.8/- 55% 0.14% of the amount, Min Rs.1.1/-, Max Rs.4.4/-
4.b Cash Deposit using RuPay Card and AEPS-Off-Us RuSu & Nil 0.25% of the txn amount, Min. Rs.2/-
(Acquirer) (Max. upto Rs.10,000/-) UrMet , Max. Rs.8/-

55% 0.14% of the amount, Min Rs.1.1/-, Max Rs.4.4/-

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SBI Kiosk Banking Commissions Circular, w.e.f. 1st October, 2015.
REVISED FEE TO BE COLLECTED FROM CUSTOMER AND CSP REMUNERATION (w.e.f. 01.10.2015)
S.No Particulars Location Fee for the facilities recoverable BC Remuneration Gross CSP Commission w.e.f. Gross CSP Commission w.e.f. 01/10/2015
. from Customers (w.e.f. 01/10/2015) 01/10/2015 as % of payout (Inclusive Service tax and TDS)
received by BC (Oxigen) earning
(Inclusive Service tax and TDS)
5 Cash Withdrawal (Maximum Rs.20,000/-) RuSu & Upto Rs. 10,000/-: 0.50% of the Upto Rs. 10,000/-: 0.50% of the 55.00% Upto Rs. 10,000/-: 0.28% of the amount, Min
UrMet amount, Min Rs.3/-, Max Rs.14/- amount, Min Rs.3/-, Max Rs.14/- Rs.1.65/-, Max Rs.7.7/-

Rs. 10,001/- to Rs.15,000/-: Rs.17/- Rs. 10,001/- to Rs.15,000/-: Rs.17/- 55.00% Rs. 10,001/- to Rs.15,000/-: Rs.9.35/-
Rs. 15,001/- to Rs.20,000/-: Rs.20/- Rs. 15,001/- to Rs.20,000/-: Rs.20/- 55.00% Rs. 15,001/- to Rs.20,000/-: Rs.11/-
5.a Cash Withdrawal using AEPS-On-US (FI/Non-FI) (Max. RuSu & 0.50% of the amount, Min Rs.3/-, Max 0.50% of the amount, Min Rs.3/-, 55.00% Upto Rs. 10,000/-: 0.28% of the amount, Min
upto Rs.10,000/-) UrMet Rs.14/- Max Rs.14/- Rs.1.65/-, Max Rs.7.7/-
5.b Cash Withdrawal using RuPay Card and AEPS-Off-Us RuSu & Nil 0.50% of the amount, Min Rs.3/-, 55.00% Upto Rs. 10,000/-: 0.28% of the amount, Min
(Acquirer) (Max. upto Rs.10,000/-) UrMet Max Rs.14/- Rs.1.65/-, Max Rs.7.7/-
6 Deposits into Loan Accounts RuSu & Nil 0.40% of the amount, Min Rs.2/- - 43% 0.17% of the amount, Min Rs 0.86/- - Max
UrMet Max Rs10/-. Rs 4.30/-.
7 A/c to A/c remittance (non-cash transactions) (Home RuSu & Upto Rs.10,000/-: 1% of the amount, Upto Rs.10,000/-: 1% of the amount, 60% Upto Rs.10,000/-: 0.6% of the amount, Min
branch a/cs) UrMet Min Rs.3/-, Max Rs.10/- Min Rs.3/-, Max Rs.10/- Rs.1.80/-, Max Rs.6.00/-
Rs.10,001/- to Rs.15,000/-: Rs.12/- Rs.10,001/- to Rs.15,000/-: Rs.12/- 60% Rs.10,001/- to Rs.15,000/-: Rs.7.20/-
Rs.15,001/- to Rs.20,000/-: Rs.15/- Rs.15,001/- to Rs.20,000/-: Rs.15/- 60% Rs.15,001/- to Rs.20,000/-: Rs.9.00/-
8 Tatkal Money Remittance for Non-Home Transactions RuSu & Upto Rs.5,000/-: Rs.50/- Upto Rs.5,000/-: Rs.40/- 60% Upto Rs.5,000/-: Rs.24/-
(Deposit to Core by cash) UrMet Rs.5,001/- to Rs.10,000/-: Rs.80/- Rs.5,001/- to Rs.10,000/-: Rs.64/- 60% Rs.5,001/- to Rs.10,000/-: Rs.38.40/-
Rs.10,001/- to Rs.20,000/-: Rs.100/- Rs.10,001/- to Rs.20,000/-: Rs.80/- 60% Rs.10,001/- to Rs.20,000/-: Rs.48/-
8.a Tatkal Money Remittance for Non-Home Transactions RuSu & Upto Rs.5,000/-: Rs.50/- Upto Rs.5,000/-: Rs.15/- 60% Upto Rs.5,000/-: Rs.9/-
(Deposit to Core by transfer) UrMet Rs.5,001/- to Rs.10,000/-: Rs.80/- Rs.5,001/- to Rs.10,000/-: Rs.24/- 60% Rs.5,001/- to Rs.10,000/-: Rs.14.40/-
Rs.10,001/- to Rs.20,000/-: Rs.100/- Rs.10,001/- to Rs.20,000/-: Rs.30/- 60% Rs.10,001/- to Rs.20,000/-: Rs.18/-
9 IMPS transaction (Cash) (Max. upto Rs.5,000/-) RuSu & Rs.50/- Rs.40/-
UrMet 60% Rs.24/-
9.a IMPS transaction (Transfer) (Max. upto Rs.5,000/-) RuSu & Rs.50/- Rs.15/-
UrMet 60% Rs 9/-
10 SBI Tiny Overdraft RuSu & Nil 0.50% of limit availed as BF activity 50.00% 0.25% of limit availed as BF activity to BC at
10.a SBI Tiny Overdraft (on repayment) UrMet
RuSu & Nil to
10%BCofatinterest
the timeapplied
of availment
till a/c is 50.00% the
5% time of availment
of interest applied till a/c is standard at
UrMet standard at monthly interval monthly interval
11 Incentive to CSPs in rural areas (both FIP and non-FIP Rural N.A Rs.2000/-subject to opening 90% Rs.1800/-subject to opening minimum 25
Centres) minimum 25 accounts per month or accounts per month or minimum 25
minimum 25 transactions per month transactions per month

Weekly average balance maintenance fee (Min. 200 no. of RuSu & N.A. i) 0.50%p.a. for average 50% i) 0.25%p.a. for average balance<=Rs.500/-
accounts) UrMet balance<=Rs.500/- ii)0.50% p.a.for avg balance >=Rs.501 to
ii)1.00% p.a.for avg balance <=Rs.1000/-
>=Rs.501 to <=Rs.1000/- iii) 0.75% p.a. for avg balance>=Rs.1001 to
iii) 1.50% p.a. for avg Rs.5000/-
balance>=Rs.1001 to Rs.5000/- iv) 1.00% p.a. for avg.bal >Rs.5000/-
iv) 2.00% p.a. for avg.bal >Rs.5000/-
12
Non-zero balance account (each CSP) (Min. 200 no. of RuSu & N.A. i) Less than 50%- Nil 42.80% i) Less than 50%- Nil
accounts) UrMet ii) Between 50% to 74% --- Rs.500 ii) Between 50% to 74% --- Rs.214
iii) 75% and above -- Rs.1000 iii) 75% and above -- Rs.428
13

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SBI Kiosk Banking Commissions Circular, w.e.f. 1st October, 2015.
REVISED FEE TO BE COLLECTED FROM CUSTOMER AND CSP REMUNERATION (w.e.f. 01.10.2015)
S.No Particulars Location Fee for the facilities recoverable BC Remuneration Gross CSP Commission w.e.f. Gross CSP Commission w.e.f. 01/10/2015
. from Customers (w.e.f. 01/10/2015) 01/10/2015 as % of payout (Inclusive Service tax and TDS)
received by BC (Oxigen) earning
(Inclusive Service tax and TDS)
e-KYC verification RuSu & N.A. Rs. 5/- per account 60% Rs. 3/- per account
UrMet

Aadhaar seeding (existing account holders) RuSu & N.A. Rs. 5/- per account 60% Rs. 3/- per account
15 UrMet
Inputing valid Contact Number RuSu & N.A. Rs. 5/- per account 60% Rs. 3/- per account
16 UrMet
PMJBY RuSu & N.A Rs 30/- per policy 70% Rs 21/- per policy
17 UrMet
PMSBY RuSu & N.A Rs.1/- per policy 70% Rs 0.70/- per policy
18 UrMet

Important Notice:
a) CSPs commission whose SBI accounts are submitted will receive part of commission into their accounts directly via CCPM
as per mandate letter provided to SBI by Oxigen services (I) Pvt Ltd, remaining commission calculated as per above rates
will be credited into CSPs retail account by Oxigen team
b) Oxigen reserves all rights to recover excess payments by debiting CSP accounts.
c) CSP commissions are inclusive of Service tax and TDS applicable @ 10% if PAN available & 20% if PAN not available.

d) As per the new notification of service tax dated 21st October,2015 service tax is applicable on following transactions for all
CSPs (Ru/Su/Ur/Met)
S.No. Service Description
1 Fee for Opening RD and STDR a/cs.
2 Cash Deposits into other bank a/cs.
3 Non-cash deposits into PMJDY a/cs.
4 Fee for cash deposits into Loan a/cs.
5 Incentive for Balance maintenance
6 Incentive for Rural CSPs
e) Service tax is exempted on below mentioned services only for Rural CSPs.
S.No. Service Description
1 Fee for Aadhaar Seeding/e-KYC
2 Cash Withdrawal (AEPS/Micro ATM/Kiosk
3 Cash Deposits (AEPS/Kiosk/Home and Non-Home branches)
4 Fee for Account Opening (With or without initial Deposits

Note: If any CSP has service tax number then he/she can claim service tax by raising invoice to Oxigen services (India) Pvt Ltd.

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SBI Kiosk Banking Commissions Circular, w.e.f. 1st October, 2015.

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