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An Introduction

IndusInd Bank derives its name and inspiration from the IndusValley civilization -a culture described by National Geographic as

'one of the greatest of the ancient world' combining a spirit ofinnovation with sound business and trade practices.

Mr. Srichand P. Hinduja, a leading Non-Resident Indianbusinessman and head of the Hinduja Group, conceived the visionof IndusInd Bank -the first of the new-generation private banks inIndia -and through collective contributions from the NRIcommunity towards India's economic and social development,

brought our Bank into being.

The Bank, formally inaugurated in April 1994 by Dr. ManmohanSingh, Honorable Prime Minister of India who was then thecountrys Finance Minister, started with a capital base of Rs.1,000million (USD 32 million at the prevailing exchange rate), of whichRs.600 million was raised through private placement from IndianResidents while the balance Rs.400 million (USD 13 million) was

contributed by Non-Resident Indians.A New Era

IndusInd Bank, which commenced its operations in 1994, caters tothe needs of both consumer and corporate customers. It has arobust technology platform supporting multi-channel deliverycapabilities.The Bank believes in driving its business through technology. It

has multi-lateral tie-ups with other banks providing access to theirATMs for its customers. It enjoys clearing bank status for bothmajor stock exchanges - BSE and NSE - and three majorcommodity exchanges in the country - MCX, NCDEX, and

NMCE. It also offers DP facilities for stock and commodity

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segments. The Bank has been bestowed with the mandate of beinga Settlement Banker for six tea auction centers.In a pioneering initiative in 'Green Banking' project, the Bankopened its first solar-power ATM in Maharashtra.

The Bank received a series of accolades commencing with the prestigious 'Technology Bank of the Year-2009' award in the private and foreign bank category from the Indian Banks'Association (IBA). It has also been recognized as the Bank withthe Best Performance in Credit Quality at the FE Best BanksAwards. Recently, CRISIL has reaffirmed its P1+ rating ofIndusInd Bank's fixed deposits and certificates of deposit program.Credit rating agency ICRA Ltd. has upgraded Lower Tier II Bonds

rating of the Bank to LAA- (pronounced L double A minus) ratingwith stable outlook from LA+ (pronounced L A plus) rating withstable outlook. ICRA has also upgraded the Upper Tier II Bondsrating of IBL to LA+ rating with stable outlook from LA(pronounced L A) rating with stable outlook.

Mission

To position IndusInd Bank limited as a Top 3 performer in the new private bank space in3 years measured by the 3 parameters ofProfitability, Productivity and Efficiency Offers a new level of banking better services, betterunderstanding of unique needs and better management offinances Demystifies the banking process and makes it moreaccessible Apart from fulfilling traditional banking responsibilities, advises

customers on how and where to use their money to get the best outof it Projects an image of being a young, energetic, modern

bank with values of dynamism, confidence and progression

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Further, as a banking partner, the bank also aims to helpits customers discover how they can do more things with theirmoney

Milestones

With over 15 years of Operating History

2010

Tier II Issue raised Rs. 4200 million in March 2010 Awarded the Technology Bank of the Year-2009 in the

private and bank category from IBA

Excellence Award, the 2nd best new generation bank in

Kerala by the StateForum of Bankers Clubs, Kerala

Ranked No. 1 for Credit Quality amongst all banks in India byFinancialExpress and Ernst & Young study

Received the prestigious ISO 27001 certification for IToperations

2009

QIP Issue raised Rs. 4803 million in August 2009 Launched new Brand Campaign RBI approval received for 30 new branches and 50 off site

ATM Appointed as Clearing & Settlement Bank at all major Tea

Auction centers Tied up with BONY Mellon for on line remittances from

United States to India2008

GDR Issue - raised Rs 2,222 million; Ratings: ICRA HighestA1+ - CDsCrisil Highest P1+: CDs, FDs

New Launch/Rollout: Mid market Investment Bank, 3rd PartyDistributionPlatform, Warehouse Receipt Finance

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Awards/Recognition: The Smart Workplace - Economic TimesBest CSRPractice Company BSE/NASSCOM

Extended microfinance to 300,000+ women by partnering

leading MFIslike SKS Microfinance

Extensive deployment IT initiatives Became clearing/settlement bank for NSE currency futures

exchange New management team headed by Romesh Sobti inducted from

ABNAMRO Bank NV

2007

GDR - raised Rs 1,460 million, tied up with Cholamandalam

MS forbanc assurance

Signed an agreement with National Multi CommodityExchange Ltdas clearing banker

2006

Tied-up with Religare Securities for offering 3-in-1 accountcovering banking,depository & securities trading

Tied up with Aviva Life Insurance for banc assurance

2005

Signed an agreement with NCDEX as clearing banker Opened its second representative office in London

2004

Ashok Leyland Finance Ltd, a leading NBFC merged with the

Bank (total115 branches), opened representative office in Dubai

2003 IndusInd Enterprises & Finance Ltd, a NBFC & one of the

promoters of Bank amalgamated with the Bank

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Increased branch network to 53

2002

1st to implement the RBI - EFT scheme with Money Gram

International &

Zoha Inc. USA; similar tie ups with exchange houses in MiddleEast

1994-

2000

IPO - raised Rs 1,800 million, became clearing bank to First

CommoditiesClearing Corporation of India

1997,1998 Ranked Best Bank by Financial Express. 2000 Became

clearing/settlement bank for BSE/NSE Raised Rs 1,000 million through preferential issue of shares Incorporated in 1994; Promoted by a group of Non Resident

Indians. Startedoperations with Rs 1000 Mn Capital

INDUSIND as a Brand

IndusInd Bank has been aggressive in its brand building programsince last year. As a part of the brand building exercise, the bankhas taken many initiatives which have helped the brand connect upwith the customers & enhance the visibility quotient. IndusIndBank had launched its first ever mass media campaign in May-June 2009 along with its punch line Makes you feel richer andsince then, the bank has been consistent in communication

through Television, Radio, and Outdoor & print advertising.IndusInd Bank understands its customers money is not justmoney. It is the vehicle to realize their dreams! Hence, the bankaims to ensure that the customers experience with the bank is

pleasant and enriching. That they get value for their money,

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enabling them to lead a richer, fuller, content life... For this, thebank:

o Offers a new level of banking better services, betterunderstanding of unique needs and better management

of financeso Demystifies the banking process and makes it more

accessibleo Apart from fulfilling traditional banking

responsibilities, advises customers on how and where touse their money to get the best out of it

o Projects an image of being a young, energetic, modern bank with values of dynamism, confidence and

progressionFurther, as a banking partner, the bank also aims to help itscustomers discover how they can do more things with theirmoney.

MILESTONES FOR FY 2009-10

Total business crossed Rs 47000 cores Net worth moved to Rs 2166 cores

Net Profit up by 136% to Rs 350.31 cores Net Interest Income up by 93% to Rs 886.41 cores Core Fee Income up by 44% to Rs 432.27 cores Capital Adequacy Ratio ( Basel II) stood at 15.33% Return on Assets at 1.14% as against 0.58% Net NPA at 0.50 % as compared to 1.14% as on March31, 2009 The provision of Coverage Ratio against NPAs stood at60% as against 29.76%

Raised Maiden QIP issue for Rs 480 cores withan overwhelming response from the investor community Network increased to 210 branches and 497ATMs spreadover 168 geographic allocations in 28 states and union territoriesacross the country as against 180branches and 356 ATMs spreadacross 147 geographical locations

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Earning per Share ( Basic ) increased to Rs.9.01 from Rs4.28 Dividend declared 18% - up from 12%

Achievements

Received the prestigious Technology Bank of the Year-2009 award in the private and foreign bank category from theIndian Banks Association (IBA). The State Forum of Bankers Clubs, Kerala, bestowed theExcellence Award, as the second best new generation Bank inKerala. Ranked No. 1 for Credit Quality amongst all banks inIndia by Financial Express and Ernst & Young study.

Highest P1+ rating for its Fixed Deposits and Certificatesof Deposit (up to 1 year contracted maturity) by CRISIL Lower Tier II bonds have been rated CARE AA- by CARE Banks Lower Tier II bonds ratings have been upgraded to"A+ (ind)" and Upper Tier II bonds ratings upgraded to "A-(ind)" by Fitch Ratings

Service

Following Service are provided by the Inducing Bank.1. Personal Banking2. Wealth Management Service3. Corporate Banking4. International Banking5. Investment Banking

6. Global Market Group7 . A S B A8. NRI Service9. Online Shopping & E-Payment10. RTG`S / NEET

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1. Personal Banking

AccountDepositsLoans

CardsIndus RewardIndus MoneyService Charges

Accounta. Indus Easy Saving Account

b. Demat Account

c. RFC Accountd. Specialized Accounte. Indus young Saver

Deposit

a. Flexi term Depositb. Sweep In / Sweep Out Depositc. Young Saver Deposit

d. Regular Recurring Deposite. Flexi Recurring Deposit

Loan

a . H o m e l o a nb. Small Business Loanc. Commercial Vehicle Loand . C a r L o a ne. Two Wheeler Loan

f. Construction Equipment Loang. Loan Against Shareh. Loan Against Propertyi. Loan Against Rent Receivables

j. Loan Against Mutual Fundk. Credit Against Specific Securities

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l . Traders Advancesm. List of recovery / collection

Card

a. Regular Debit Cardb. Gold Debit Ca rdc. Debit Card Special offerd. Secure Online Shopping

2. Wealth Management Service

InvestmentInsuranceServer Mudra

3. Corporate Banking

Large Indian CompaniesSmall & Medium EnterprisesSupply Chain ManagementMES OTS Scheme

Large Indian Companies

a. Fund Based Facilitiesb. Non Fund Based Facilitiesc. Value Added Facilities

a. Fund Based Facilities

Working Capital FinanceShort-Term FinanceTerm LoanBills Finance Supply PurchaseAsset SecuritizationLine of Credit

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Assets Based Finance

b. Non Fund Based Facilities

Latter of Credit

Bank Guaranties

c. Value Added Facilities

Associate FinanceCash Management ServiceCorporate Salary AccountInvestment Avenues For Cash

Small & Medium Enterprises

a. Fund Based Facilitiesb. Non Fund Based Facilityc. Value added Facilitiesd. MSE OTS Scheme

a. Fund Based Facilities

Working Capital FinanceShort Term FinanceTerm LoanBills Finance Supply PurchaseAsset Securities

b. Non Fund Based Facility

Latter of Credit

Bank Guarantee

c. Value Added Facilities

Associate FinancingCash Management ServiceCorporate Salary Account

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Investment Avenues for Cash

3. Supply Cash Management

Working Capital FinanceBill Discounting

4. International Banking

Correspondent BankingSWIFTAdvisory ServicesFacilities to ExportersTrade FinanceRFC Account for ResidentGold Banking

5. Investment Banking

Product ServiceGlobal Access

Induslnd Add ValeDeals Done

6. Global Market Group

Foreign Exchange DeskMoney Market DeskDerivives Desk

7. Capital & Commodities MarketsStock Exchange CellCommodities Exchange CellBanker to Public RightsDebenture TrusteeIPO Funding

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Loan Against Demat ShareDepositary Service

8. ASBA

What is ASBADesignated Branches

Nodal Officer

9. NRI Service

Deposit Schemes

Value Added ServiceRetuning NRIInvestmentTaxationOffices Abroad

10. Online Shopping & E- Payment

Indus Net Internet Banking

Online PaymentVISA Money TransferATMOnline Bill PaymentE- StatementMobile BankingMobile Top up

1. Personal Banking

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ACCOUNTS

IndusInd Bank Deposit Schemes help you manage yourfinances better by saving your time and money. A wide

range of deposit schemes cater to the varying needs at everystage in your life.We have a range of solutions which willmake banking effortless for customers having diverseneeds . P lease re fe r to the Accounts l i s ted on the topleft menu for further information.

INDUS EASY SAVINGS ACCOUNT

Indus Easy Savings Account No Frills Account

Indus Easy Savings Account is a facility to provide basic bankingfacilities to common man without tedious processes andhigher minimum balance.Open an Indus Easy Savings Accountand earn interest of 3.5% per annum. Simple account opening

process with minimal documentation. Access your accountanywhere, anytime through internet and ATM banking

Product Features:

Zero Balance Savings Account, just Re.1/- to open accountEarn Interest at 3.5% per annumFree Internet RegistrationATM Card to operate at IndusInd Bank ATMs and other network

partner ATMsFree Funds Transfer through NEFTDirect withdrawal facility weekly onceOne cheque book issued per annum

Half yearly statements will be provided, monthly statementthrough emailNO Charges on non-maintenance of minimum Average QuarterlyBalanceFree Training on Technology BankingImportant Note:

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1. Indus Easy Account can be opened by resident individuals only2.Indus Easy Account is opened under Simplified KYC Process, atany point of time if the total balance or the total yearly turnover inthe accounts exceed Rs.50,000/- and Rs. 1, 00,000/- respectively.

Account holder will be required to provide additional documentsfor KYC completion; else the Bank will be entitled to close theaccount.Monthly Statement can be collected through your nearest branch.

DEMAT ACCOUNT

Shares are traditionally held in physical or paper form. Thismethod has its own inherent weaknesses like loss/theft of

certificates, forged/fake certificates, cumbersome and time-consuming procedure for transfer of shares etc. Therefore, toeliminate these weaknesses, a new system called DepositorySystem was introduced in India after the enactment of theDepositories Act 1996.A depository system is a system, whichholds your shares in the form of electronic accounts in the sameway a bank holds your money in a savings account. DepositorySystem provides the following advantages to an investor: yourshares cannot be lost or stolen or mutilated. You never need to

doubt the genuineness of your shares i.e., whether they are forged

Share transactions like transfer; transmission etc. can be effectedimmediately. Transaction costs are usually lower than that in the

physical segment. There is no risk of bad delivery. Bonus/Rightsshares allotted to you will be immediately credited to your account.You will receive the statement of account of yourtransactions/holdings periodically. When you decide to have your

shares in electronic form you should approach depositoryParticipant (DP) who is an agent of the depository to open anaccount. You should surrender your share certificates in physicalform and your DP will arrange to get them sent to and verified bythe company and on confirmation credit your account withinequivalent number of shares. This process is known as

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dematerialization. You can always reverse this process if you sodesire and get your shares reconverted into paper form. This

process is known as dematerialization. Share transactions (like saleor purchase and transfer/transmission etc.) in the electronic form

can be effected in a much simpler and faster way. All you need todo is that after confirmation of sale/purchase transaction by your

broker, you should approach your DPwith a request to debit/credityour account for the transaction. The Depository will immediatelyarrange to complete the transaction by updating your account.There is no need for separate communication to the company toregister the transfer.

INT BKG-RFC ACCOUNTAs an important step towards further liberalization of foreignexchange facilities available to individual residents, it has

been decided by Reserve Bank of India to permit adperson residentin India to open, hold and maintain with a licensed Bank (which isalso an Authorized Dealer) in India a Foreign Currency (Domestic)Account and foreign exchange acquired from any of the sourcesspecified as under can be kept in this account by the resident. whileon visit to any place outside India by way of payment for services

not arising from any business in or anything done in India; or Fromany person not resident in India and who is on a visit to India, ashonorarium or gift payment for services rendered or in settlementof any lawful obligations; or by way of honorarium or gift whileon a visit to any place outside India; or from an authorized personfor travel abroad and represents unspent amount: or Gift receivedfrom close relative; or foreign exchange earned through export ofgoods and/ or services; or royalty, honorarium etc

Salient features

Eligibility: Any person resident in IndiaType of Account: Current accountCurrency: Foreign Currency such as USD, GBP & EURO

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Eligible credits: Out of Foreign Exchange acquired from the sourcesspecified as above in the form of currency notes, bank notes andtravelers cheque.Eligible Debit: Payment towards current and capital

account transactions in accordance with existing foreign exchangeRegularities.Ceiling: No upper ceiling on balances held in account is stipulated

by Reserve Bank of India.Interest: No interest will be payable on balances held in accountCheque Book Facility: Special cheque book will be provided withRFC (Domestic)Account notation

INDUSIND EDGEBUSINESS ACCOUNT

One Account for your much business needs

Indus Edge Business Account

IndusInd Bank knows how much your business means to you.To facilitate its growth and ensure prosperity, we haveadded several offerings which will make this process smoothand efficient. Special care has also been taken to ensure that you

will most certainly save precious time, secure peace of mind andalso get the best in terms of service. The Bank has 180 outletsspread over 137 geographical locations in 28states and unionterritories across the country. The Bank also has representativeoffices in Dubai and London.

The Ideal Current Account for Your Business

IndusInd Bank understands the nature of your business needs

and has tailored products to meet them. This product will prove tobe an ultimate value for money considering that you will get loadsof benefits against nominal minimum balance requirement.

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Anywhere Access

One country, One account, One bank. Step into any branch,anywhere in India and complete all your banking transactions.

Payment Strength1.Payable at Par Cheque

No more blocking your precious funds in demand drafts. Get Free*At Par Cheque that are treated as 'local clearing' cheque across allour branch locations. This will allow you to fund your account just

before a payable At Par cheque is presented for clearing.Please contact your nearest branch for the latest list of locations.

2.Free Demand Draftsenjoy the benefit of our extended reach to over 500 locationsincluding our correspondent partner bank locations. Save themoney and effort that goes into the managing and maintaining ofmultiple accounts with various banks to meet your paymentlocation requirement. Get Free* Demand Drafts, payable at allIndusInd Bank branches and partner bank locations across India.

3.Edge through Electronic Banking

Experience the power of express fund transfer through Real TimeGross Settlement (RTGS) and National Electronic Funds Transfer(NEFT). As an Indus Edge customer, RTGS and NEFTservices areavailable to you free of cost, enabling funds transfer to specifiedlocations and branches of select banks. You need to get in touchwith your nearest IndusInd Bank branch to facilitate your requestfor NEFT and RTGS.

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4 . Cash Withdrawal at Non-Home Location

Indus Edge allows real access to your own money; you canwithdraw cash anywhere in India at the nearest IndusInd Bank

branch

Collection Strength

1.Anywhere Collection

Enjoy additional savings and efficiency of anywhere services,with a reach of 137 IndusInd locations for collecting your cheque.

Now deposit your locally payable cheque at any IndusInd location,with our local branch. We will collect your funds and remit to youraccount at the home location.

2.Outstation Collection

Add more edge to your business, with a free* collection ofoutstation cheque, payable on IndusInd Bank locations.Cash Deposit

Our unique flexi cash deposit allows you to enjoy additionalsavings on your account. Indus Edge does not bind you at a static

cash deposit limit, our flexi free cash deposit limit is five timesthe balance maintained in the previous month for local deposits

Other Services

Doorstep Banking

IndusInd Doorstep Banking enables you to have cheque and cashpicked up or delivered from / to your doorstep on a daily basis oron call basis, at a time convenient to you. How about thatfor saving time?!

Internet Banking (Indus net)

Your Indus Edge Account allows you either view-only ortransaction access, based on your banking requirement. This helpsin transferring funds instantly from one account to another at any

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of our branches across the country, absolutely free. And that's notall, you can perform any of the following functions on Indus net:requestsRequest for New Cheque book

Request for Account StatementRequest for Demand DraftRequest to Stop Payment of Cheque

Additional ServicesInteract with Your Personal BankerIndicative Foreign Exchange Rates

Phone BankingYou access, we pay. Just pick up the phone and call us Toll Freeon 1800-22-0061 or on 022-4406-6666. Our Customer ContactCentre offers you personalized service.Long Banking HoursWe are open for long hours to serve you better and allow youto access the Bank at your convenience even when you are tied upwith busy schedules. Our branches remain open from 10AM to 4

PM**, Monday through Saturday

Mobile Banking and AlertsOur Mobile Banking and Alerts Service enable you to access yourBank Account on your mobilePhone. You can check daily account balance of any large creditsor debits and have standing instructions successfully executed.

The status of your transaction will be intimated to you visas.Moreover, we can also alert you on FD maturity dates. Avail of thePULL message service by sending key words like 'TXN' or 'BAL'or with parameters to 5676757.

International Debit Card

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you can use your International Debit Card to withdraw cash fromany Visa ATM. You can also use the cardto make purchases atmerchant establishments. Currently, we offer a daily cashwithdrawal limit of Rs.25,000 and POS limit of Rs. 50,000 on our

regular debit card.EEFC AccountAs an Edge client, you can also avail of the Nil balance EEFCAccount in three leading currencies - US dollar (USD), Euro ()and Pound Sterling (GBP-). The Account allows:1.Foreign Cheque Collections: You can deposit foreign currencycheque payable anywhere in the world. Our wide coverage,enabled with the help of the correspondent bank network will

ensure that the cheque is credited to the Account extra fast.2.Foreign Currency Drafts: Using your EEFC Account, you canalso purchase Foreign Currency Drafts in USD, GBP and EURO.There will not be any foreign currency margin on the same.3. Free monthly statements will be available on demand.4.Foreign Currency Cheque book for international transactions is

available on demand.5.Cash withdrawal from EEFC Account: Withdrawal s in foreigncurrency is permitted only against applicable conversion margin,whereas there is no restriction on cash withdrawals in INR.6.Cash deposit into EEFC Account: Deposits in foreign currency is

permitted only against applicable conversion margin.

7. Remittances from EEFC Account: In lieu of currencyconversion margins, the EEFC Accounts will be eligible for thefollowing special rates:Import transaction (inward remittance) - 0.125% on the amountinvolved

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Export transaction (outward remittance) - 0.25% on theamount involved on-Export transaction (outward remittance) -0.125% on the amount involveYou can ask your nearest IndusInd Bank Branch to guide you on

the requirements for opening the EEFC account.

INDUS PRESTIGE

BUSINESS ACCOUNT

Experience personalized care with a dedicated RelationshipManager

Indus Prestige Business AccountSome privileges are reserved for a chosen few. As an IndusPrestige Business Account holder you will be assigned a dedicatedRelationship Manager who will take care of all your business

banking transaction needs and even assist you in planning yourfinances. Indus Prestige comes to you with a host of other premiumservices and exclusive benefits. Whats more, as an Indus Prestigecustomer you will receive preferential treatment at all the 180

Bank branches spread over 137 geographical locations in 28 statesand union territories across the country

Dedicated Relationship ManagersYou need an efficient transaction bank to cater to your businessneeds in the demanding world of business. At IndusInd Bank, wehave dedicated the Indus Prestige Business Account to serviceyour premium business needs. Hence we provide you with adedicated Relationship Manager who will be your single point

contact at the bank, besides an experienced service team. TheRelationship Manager will ensure that your requirements are

prioritized and your expectations are met.Add Prestige to Your BusinessWe, at IndusInd Bank understand your business needs and presenttailor-made products to meet your expectations from the Bank. The

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product has been designed to add value to your business throughswift transaction handling and backed by a well-informed servicingteam. The offer also comes loaded with transactional featureswhich will surely add money to your wallet. It provides loads of

features across payments and collection products.Features

Payment Strength

A. Payable At Par Cheque with Your Account

As an Indus Prestige customer, you get unlimited free access toPayable At Par cheque that retreated as local clearing cheque

across all our branch locations. You can fund the Account justbefore the Payable At Par cheque is presented for clearing. ThePayable At Par cheque allows you the freedom of making

payments at over 137 IndusInd locations.Thus, no more blocking your precious funds in demand drafts.

B.Free Demand Drafts

In case you decide to use our extended reach to make a payment,enjoy the payment reach benefit at more than 500 locations

including our partner banks. Save the money and effort that goesinto the managing and maintaining of multiple accounts withvarious banks to meet your payment location requirements.C.Power of Electronic BankingExperience the power of express fund transfer through Real TimeGross Settlement (RTGS) and National Electronic Funds Transfer(NEFT). As an Indus Prestige customer, RTGS and NEFTservicesare available to you free of cost, to enable fund transfer to

specified branches of banks. Get in touch with your nearestIndusInd Bank branch to facilitate request for NEFT and RTGS.D.Cash Withdrawal at Non-Home LocationsIndus Prestige allows real access to your own money; withdrawcash anywhere in India at the nearest IndusInd Bank branch.Collection Strength

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A. Anywhere Collection

Enjoy additional savings through efficiency of anywhere services,collect your local cheque at any of our 137 locations. We will

collect your funds and remit to your Account at the home location.B.Outstation Collection

Add more to your business, with a free collection of outstationcheque payable at IndusInd Bank locations

Cash Deposit

Our unique flexi cash deposit allows you to enjoy additionalsavings on your Account. Indus Prestige doesnt bind you to static

cashC.Deposit limit. Our flexi, free cash deposit limit is five times the balance maintained in the previous month for your localcash deposits.

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 callbasis, at a time convenient to you. How about that for saving time?!Internet Banking (Indus net)Your Indus Prestige Account allows you an option of selectingview-only or transaction access, based on your

banking requirement. This helps in transferring funds instantlyfrom one account to another at any of our branches across thecountry, absolutely free. And thats not all, you can perform any of

the following functions on Indus net:

Requests

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Request for New Cheque book Request for Account StatementRequest for Demand Draft Request to Stop Payment of ChequeAdditional Services

Interact with Your Personal Banker Indicative Foreign Exchange

RatesPhone Banking

You access, we pay. Just pick up the phone and call us Toll Freeon 1800-22-0061 or on 022-4406-6666. Our Customer ContactCentre offers you personalized service.Long Banking Hours

We are open for long hours to serve you better and allow youto access the Bank at your convenience. Our branches remain open

from 10 AM to 4 PM*, Monday through Saturday.Mobile Banking and Alerts

Our Mobile Banking and Alerts Service enable you to access yourBank Account on your mobile phone. You can check daily account

balance of any large credits or debits. The status ofyour transaction will be intimated to you via SMS. Moreover, wecan also alert you on FD maturity dates. Avail of the PULLmessage service by sending key words like TXN or BAL or

with parameters to 5676757.International Debit Cardyou can use your International Debit Card to withdraw cash fromany Visa ATM or make purchases at merchant establishments.Currently, we offer a daily cash withdrawal limit of Rs.50,000 onthe Gold Card.EEFC Account

As an Indus Prestige client, you have the option of subscribing tothe Nil Balance EEFC Accounting any of the three leading

currencies US dollar (USD), Euro () and Pound Sterling (GBP-).The Account allows:

Foreign Cheque Collections

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you can deposit foreign currency cheque payable anywhere in theworld, with us for collection. Our wide coverage, enabled with thehelp of a correspondent bank network will ensure that the chequeis credited to your Account extra fast.

Payment through Foreign Currency Draftsusing your EEFC Account, you can also purchase ForeignCurrency Drafts in USD, GBP and EURO. There will not be anyforeign currency margin on the same. Foreign CurrencyChequeBook for international transactions is available on demand.Please contact your nearest IndusInd Bank branch for moreinformation on the EEFC Account.

Cash Management ServicesAs an Indus Prestige customer, you have the option to enroll in an

exclusive Cash Management Service, called Indus Collect. Thisservice empowers you to manage funds by reducing collectiontime at a fraction of the cost. Indus Collect covers 250 locations forlocal collections and 1,000 locations for outstation collections. Youcan get in touch with your Relationship Manager or nearestIndusInd Bank branch for more details on the product and

enrollment details.INDUS TASC

FOR TRUSTS, 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,Associations, Societies, Clubs and NGOs. The offer also coversEducational Institutions, Trade & Professional Associations,

Charitable Hospitals and NGOs

Why Indus TASC Account?

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No Minimum Balance RequirementWe value your relationship and hence do not prescribe anyminimum balance requirement. In other words, there are no

penalties for non-maintenance of minimum balance in the account.

Free Anywhere BankingYou can operate your Indus TASC Account from any IndusInd

branch, even in another city. Also, we offer you services ofcash withdrawal at non-home locations.

Free Multi-City Cheque (At Par) FacilityThe Indus TASC Account offers payable at par cheque book

facility, enabling you to issue cheque for outstation payments onall IndusInd Bank centers, without the hassles of buying demanddrafts for making payments. You also save precious money onthe demand draft making charges in addition to additional floatin the account until cheque is presented for clearing.

Unlimited Transactions, Unlimited Fund TransferIndus TASC Account offers you flexibility of using the cheque

book without worrying about the limit on the number of

free transactions per month.

Demand DraftsIf you desire to issue a demand draft, we offer free demand draftson IndusInd Bank locations unto Rs. 5laces per month Also, thereis no need to open additional accounts with other banks fordemand drafts. Our tie-up with partner banks ensures that youreceive unmatched payment reach of over 500 locations at

competitive pricing.Electronic BankingWe understand that you need to transfer funds to the remotestcorners of India within the shortest time. Indus TASCAccount offers you unlimited free fund transfers through

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NEFT, while fund transfers through RTGS are priced at acompetitive rate.

Fee Collection Services (FCS)*

FCS is a tailor-made offering from IndusInd Bank which facilitatesfee collections for Education Institutions through CashManagement Services, called Indus Collect.

Free Collection ServicesCheque drawn on any location where IndusInd Bank has a branchwill be credited to your account without any service charge,when presented in local clearing.

Email Account StatementsWe offer free daily statements of account on the emailID registered with us

FCRA AccountsIndusInd Bank offers FCRA Accounts to the Trusts / Associationsapproved by Ministry of Home Affairs to receive 'ForeignContributions'. The Bank offers attractive foreign exchange rates

and unique facilities for inward remittance, making donationsmuch faster and convenient.

Investment OpportunitiesMultiply Your ReturnsIndus TASC Account offers you an opportunity to earn FixedDeposit (FD) Interest while enjoying the convenience of accessing

the money when required. You can instruct us to sweep yourexcess balance into fixed deposit and link it to your Indus TASCAccount, to allow for automatic reverse sweep whenever a chequeis presented for clearing against your Account. The Fixed Depositswill be broken in LIFO basis for the reverse sweep.Mutual Fund Investments

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We have tied up with leading Asset Management companies tomaximize opportunities for you. You can get in touch with ourinvestment councilors or the nearest branch to help you in selectingthe best option suited for your goals.

INDUS PRIME

TRUSTS, ASSOCIATIONS, SOCIETIES & CLUB

A Special Savings Account for Trusts, Associations, Societies andClubs The banking needs of larger non-profit organizations likeTrusts, Associations, Societies, Clubs, NGOs, etc.are different.That is why we are introducing the Indus Prime Savings Account -a specially designed value-added Savings Account for larger non-

profit organizations. This Account unveils a gamut of privilegesfor nonprofit organizations like Trusts, Associations, Societies,Clubs, and NGOs etc. The offer also covers EducationalInstitutions, Trade & Professional Associations, CharitableHospitals and NGOs.Why the Indus Prime TASC Account?We present to you a privilege offer meant for image and value-conscious TASC entities. The offer not only combines the best of

its class services, but also gives access to our privilege offers andinvites.Free Anywhere BankingYou can operate your Indus PRIME Account from any IndusIndBranch even at another city. Also, we offer you services ofcash withdrawal at non-home locations.

INDUS YOUNG SAVER

Specially designed to build and secure your childs future

http://www.indusind.com/downloads/Indus%20Prime.pdfhttp://www.indusind.com/downloads/YoungSaver.pdfhttp://www.indusind.com/downloads/Indus%20Prime.pdfhttp://www.indusind.com/downloads/YoungSaver.pdfhttp://www.indusind.com/downloads/YoungSaver.pdf

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At IndusInd Bank, we understand your varied needs as a parentgetting the best education for your children, savings for theirfuture, ensuring their good health and habits you always wishyou had the time and resources to give them the best they deserve.

As a Bank we feel a strong responsibility in securing your financialfuture not just by offering you a portfolio of savings andinvestment solutions for your family, but by also bringing to you atreasure-chest of knowledge-based solutions to help your childrenlearn smartly and sow the seeds of intellectual wealth.

Knowledge is Wealth

towards this end, we have tied-up with Educational Initiatives (EI),Indias leading educational diagnostic tests provider for students inclasses 3 to 10. EI is an educational research and servicesorganization working with more than 2 lakh school childrenannually, providing strength/weakness analysis at a subject/skilllevel, benchmarking with other students nationally and deliveringonline improvement programs that your child can avail of as perhis/her convenience and need.

For our privileged customers, IndusInd and EI bring the followingattractive offersFree ASSET Online Test Skill-Based Diagnostic Test:ASSET Online is a special test which helps studentsimprove. Unlike regular tests which merely try to find out howmuch a child can reproduce (or has memorized), this test measureshow well a student has understood concepts and gives detailedfeedback on the same, including comparisons with peers to helpHe/she improve. The test is available online and can be taken by

students of classes 3-10 in Maths, Science and English.Special Discount of Mind spark - Digital Adaptive LearningSolution:Mind spark is a computer based self-learning program that helpsthe child hone his/her skills in Months. Through intelligent

program logic, it allows each student to follow a learning path that

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is based on his/her specific need- at a pace he/she is comfortablewith. The interactive interface ensures that the student learnsactively by answering questions of progressively increasingcomplexity levels and not by passively listening to someone, or

viewing ready-made solutions. You can subscribe to Mind sparkfor one, six or twelve months all of which would be offered toyou at a special discount of 20%. Students get detailed daily workreports and parents get weekly progress reports free with thesubscription.

The Young Saver Account

The Indus Young Saver account is specially designed to build your

childs financial and intellectual wealth. You can avail of theabove offers if you open a Young Saver account for Your childwhich gives you the following additional benefits:Open the account with a minimum deposit of Rs.11/-, this accountcan be opened as a free add-on account with a regular IndusIndSavings accountA combination of Savings Bank Account and Flexi RecurringDeposit

Balance in Savings Bank Account will be transferred to a FlexiRecurring Deposit on the last day of every month, leaving Rs.100/-in SB accountTenure of Flexi Recurring Deposit - 6 months to 120 monthsTDS not applicable on Recurring Deposits You can setupStanding Order Instructions from your account to your childsYoung Saver Account and watch his savings grow. Whats more,to inculcate healthy saving habits in your child you can request fordebit Card where you can set the limit on how much he/she can

spend/withdraw on a daily basis.

DEPOSIT

You have worked hard to earn your money. Now, let your moneywork hard to earn for you with IndusInd Bank Fixed Deposits.

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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, quarterly, half yearly, annually or atmaturity 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

EligibilityIndusInd Bank Fixed Deposits can be opened by Individuals,HUFs, Sole Proprietorships, Partnership Firms, Ltd. Companies,Guardians on behalf of Minors, Societies, Clubs, Trusts andAssociations

.Tenure7 days up to 10 years.

Amount> The initial minimum amount to invest is INR 10000.00> There is no maximum amount.> For Senior Citizens, the minimum amount is INR 50000.

>for deposits above INR 1 core, please contact your branch for

special rates

FLEXI TERM DEPOSIT

IndusInd Bank extends flexibility in partial withdrawal ofTerm deposit without affecting the remaining portion of deposit.

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Minimum Deposit amountRs.10000/-Interest RateAs applicable to Term deposits including Senior Citizen benefits

TDS on InterestApplicable

Deposit Tenor7 days to 120 months

Documents required

> Application form> Passport size photograph> Proof of Residence> Introduction

FeaturesTerm deposit is treated as a cluster of Rs.1000 units and partwithdrawals are being treated as closure of units with applicable

rate of interest.Nomination facilityAvailablePremature ClosureAllowedBest ForIndividuals and Corporate who are in need of short terminvestment

SWEEP IN & SWEEP OUT DEPOSIT

IndusInd Bank offer Sweep out facility over a cut off limit in CAand SB accounts. Similarly, the Term deposits would be closed

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and credited to the CA/SB account (Sweep-in) as and when it isrequired, with minimum interest loss to the customer

Minimum Deposit amount

Savings Account- As per the account type held, refer to specificSavings Account product feature Current Account- As per theaccount type held, refer to specific Current Account productfeatureInterest RateAs applicable to Term deposits including Senior Citizen benefitsTDS in Interest

Applicable to the Term deposits

Deposit Tenor30 days to 24 months

Documents required> Application form> Passport size photograph

> Proof of Residence> Introduction

FeaturesBalance over the specified amount maintained in the transactionaccount, will be automatically transferred to Term Deposit fora predetermined period, as per customers instruction. In case ofinsufficient balance in the CA/SB account at any point in time,required amount will be transferred to these accounts by breaking

deposits to the benefit of the customerNomination facilityAvailable

Premature ClosureAllowed

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Best For

Individuals and Corporate who are getting continuous float inCA/SB

YOUNG SAVER DEPOSIT

IndusInd Bank inculcate savings habit among children with highreturn on their savings by linking Savings Bank Account withFlexi Recurring Deposit. Account is being opened and operated bythe guardian for the minorOpening BalanceRs.11/-Interest RateAs applicable to Term deposits in the case of Recurring Deposit

TDS in InterestRecurring Deposits are exempted from TDS

Deposit Tenor6 months to 120 months

Documents required> Application form> Passport size photograph> Proof of ResidenceIntroduction

FeaturesBalance in Savings Bank account will be transferred to a flexirecurring deposit on the last day of every month, leaving Rs.100/-in SB account

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SENIOR CITIZEN

IndusInd Bank offer special rates to Senior Citizens on TermDeposits

Minimum Deposit amountRs.25000/- No maximumInterest Rate+ 0.50% than the actual rate for General PublicTDS on InterestApplicableDeposit Tenor7 days to 120 months

Documents requiredApplication form Passport size photograph Proof of Age &Residence IntroductionFeaturesSpecial rate is applicable to Senior citizen those who havecompleted 60 years of age. In case of joint deposits, the first nameshould be of the Senior citizen.

REGULAR RECURRING

IndusInd Bank accumulates your monthly installments with highyield through its Recurring Deposit SchemeOpening BalanceRs.500/-Interest RateAs applicable for term deposits including the benefits of SeniorCitizens

TDS in InterestNo TDS as per current regulationsDeposit Tenor12 months to 120 monthsDocuments requiredApplication form

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Passport size photographProof of ResidenceIntroduction

FeaturesFixed monthly installments are being remitted to RecurringDeposit by a Standing Order, ECS Mandate or by regulardirect remittance

Nomination facilityAvailablePremature ClosureAllowed

Best ForBusiness class and Self employed with varying income stream

LOANS

For construction of a Residential Property

Purchase of house / flat

Take over of an existing Home LoanFor Renovation / Improvement / extension of House

Margin15% of the Property cost as assessed / approved by the Bank

TenureMaximum 120 monthsSecurityHouse property within India. Equitable Mortgage to be created

by the borrower. Personal Guarantee by the applicants Power ofattorney (POA) holder. This POA should be an Indian ResidentIndividual and preferably a blood relative of the applicant.QuantumMinimum Loan of Rs.2 lakhsRate of Interest

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(Applicable with reference to the Current BPLR of 17.00%)11.25% floating rate for a tenor of 2 to 10 years for loan quantum lessthan Rs.30 lakhs11.75 % floating rate for a tenor of 2 to 10 yearsfor loan quantum more than Rs.30 lakhs

Prepayment charges2% (+ Service tax and cess as applicable)of outstanding amountProcessing Charges0.25 % (+ ST & Cess as applicable) of the loanamount applied for as processing fee0.50% (+ ST & Cessas applicable) of the sanctioned loan amount as administrative feeBest ForSalaried Individuals.

SMALL & MEDIUM ENTFor any business to succeed, the availability of funds throughoutits life cycle is of paramount importance. We offer a wide range ofservices to meet all the banking requirements of small and mediumenterprises.

The limits are fixed keeping in view the enterprise's need for funds

against the value of the security, margin available and creditworthiness of the borrower's enterprise.COMMERCIAL VEHICLE LOAN

Eligibility> You or your guarantor should have at least 3 years experience inrelevant transport operations. If you are new to this field,your guarantor should meet this criterion.> You or your guarantor should own at least one free vehicle.> You or your guarantor should have been a resident of that area at

least for three years.> You or your guarantor should own immovable unencumbered

property equivalent to the amount financed and a copy of theproperty deed and tax paid Chillan to be furnished.

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> Cash generation potential from the vehicle should be at least1.3 times of the installment payable after meeting all operationalexpenses.> Your guarantor should be known to you and should preferably be

our existing customer. He should not be your relative.> For special purpose vehicle (e.g. Tippers), you should haveconcluded contracts covering at least 50% of the proposed contracttenure.Purpose:For the purchase of new and used commercial vehicles of allmanufacturers.Documents

> Proof of residence - Ration card or Passport copy or Voter's ID> Contract copies for special purpose vehicles/ vehicles deployedagainst specific contracts> Statement of earlier loans taken Copy of property deed forimmovable property owned> RC book photocopies for vehicles owned> Copy of Income Tax and Wealth Tax returns for past two years> Details of your guarantor - his business, net worth, IT returns &

Wealth Tax term copies.Partnership Firms> Partnership Deed and authorization letter for partnership firms.> Profit and Loss account and Balance Sheet for past 2 years.> Registration Certificate> Contract copies for special purpose vehicles/ vehicles deployedagainst 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, net worth, IT returns &Wealth Tax term copies

CAR LOAN Eligibility

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Salaried Individual:> You should be employed for a minimum of 2 years

Your minimum net salary should be Rs 1.5 lakhs per

annum Your net monthly take-home salary should be at least 2

times of the total monthly installment includingproposed and rent paid

Your loan to income ratio to be max 2 times. Youshould be within 25 - 60 years of age(or retirement agewhich ever is lesser- 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 yearsProfessional / Partner / Proprietor/Director: You should be in business for a minimum of 3 years. Your minimum gross income should be Rs.1.5 lakhs

per annumYour loan to income ratio to be max 2 times. Your Income to Annual emi of proposed loan to be

minimum 2 times You should be self employed within 30- 65 years of

age. Your current place of residence should be occupied for

a minimum of one year and in the city for 3 years

Co-borrowerYou should provide a co-borrower who resides in the same city

Co-borrower to give ID proof, Signature verification, Residenceproof If necessary,Co-borrower may need to give income documents also

Other TermsTwo references to be provided for both borrower and co-borrowerMinimum Loan amount: Rs 1 lakh for new cars and Rs 50k forused carsMinimum Tenor: 1 year,

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Max tenor: 4 years for new cars and 3 years for used carsLoan to Value (%) Up to 85% for new cars and up to 75% forUsed 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)

DocumentationSalaried individualThe salary slips from the last 2 months.Form 16 for latest year Proof of residence.A signature verification from a bank or a valid driving

license/Passport copy/Pan card copy and bank statements for thelast six months.

Proof of two years of employment.Your photograph. Identity proof Telephone number of youroffice/residence and postpaid or residence landline bill copy

Self-employed / Proprietor

The balance sheet and profit and loss account attested by a CA forthe last 2 years.Copies of Income Tax return and computation of income tax forthe last 2 years. Signature verification from a bank/drivinglicense/passport copy/pan card copy and bank statements for thelast six months.> Identity proof> Proof of residence.

> Telephone number of your office/residence along with postpaid/landlinebill copy latest.

Partner in a Firm> ITR,computatiion of income, Balance sheet and profit and lossaccount attested by a CA for the last 2years.

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> Bank statements for last 6 months> Partnership deed copy.> Letter of authority/consent letter from all partners to executethe agreement.

> Proof of residence, signature verification(Any one of above asindicated)> Identity proof> Telephone bill copy

Director in a company> IT returns, 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 asindicated)> Telephone bill copy.

TWO WHEELER LOAN Eligibility:-Salaried Individual (SI)You should be employed for a minimum of 3 years and with thecurrent employer for a minimum period of 1 year.Your minimum gross salary should be Rs.8,000/- per month.Your net monthly take-home salary should be at least 3 timesof the monthly installment.You should be within 60 years of age.You should be residing at the current address for a minimum of 2

years.

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 2years.

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Your minimum profit should be Rs.1, 00,000/- p.a.You should be within 60 years of age.Your current place of residence should be occupied for a minimumof 2 years.

COMMON NORMS (SI/SEP/SENP)All your existing loan and other fixed commitments would beconsidered in arriving at the eligibility.Your Bank Account track record and CIBIL data should be good.Your credentials would be verified with references given andindependently by doing verification at your residence and place ofwork / business.

DOCUMENTATIONAge proof (where your age is 58 years).Identity Proof. Proof of Residence.Salary slips for the last 3 months (SI) / copies of Income TaxReturn and computation of Income for the last 2 years as filed(SEP/SENP) and Balance Sheet & Profit and Loss accounts dulyaudited. Last 6 months bank statement of the salary credit accountalong with all/any other bank accounts held(SI) / of primary bank

account (SEP/SENP).Proof of Business (SEP/SENP).ApplicationForm duly filled / recent passport size photograph affixed.

CONSTRUCTION EQUIPMENT LOANEligibility> You and your guarantor should have a minimum of 2 yearsexperience in construction/relevant field.> The contract against which equipment is to be deployed should

be awarded in your name.

> If the contract against which the proposed equipment tobe deployed is a subcontract, the main contract should guaranteethe proposal> Estimated gross receipts from contracts on hand should be atleast 2.5 times the finance amount.

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> The tenor of the contract against which the equipment to bedeployed should be co-terminus with our Hire Purchasecontract term. Else you have to provide proof of alternate contractsheld/possibility of new contracts.Purpose For purchase of

Construction/Earth Mining Equipment of all brands.

DocumentsIndividuals> Proof of residence - Ration card or Passport copy or Voter's ID.

> Contract copies of contracts executed, on hand and full details of

cost against which this equipment is to be deployed.> Statement of earlier loans taken> Copy of property deed for immovable property owned> RC book photocopies for vehicles owned and details/proof ofother machinery already owned.> Copy of Income Tax and Wealth Tax returns for past two years.> Details of guarantor - his business, net worth, IT returns &Wealth Tax term copies.

Partnership Firms> Partnership deed and authorization letter for partnership firms.> Profit and Loss account and Balance Sheet for past 2 years.> Registration Certificate of Partnership Firms> Contract copies for special purpose vehicles/ vehicles deployedagainst 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, net worth, IT returns &Wealth Tax term copies

LOAN AGNST DEMAT SHARES

Indus Demit Cash Scheme

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EligibilityAdult Individuals

PurposeThe loan is given for any of the purposes broadly categorized as

under :Personal Purposes:For meeting personal expenses like for marriage,

housing, education, medical etc.Business Purposes:For meetingfinancial requirements for your professional or business purposesother than operations on stock markets

Loan Amount

Minimum Rs. 1 lac, Maximum Rs.20 lacs

SecurityEquity Shares of the Companies on the approved list of the Bankheld in demit form.

Margin40% of the value of shares for approved Stocks only. Value of

Shares Current Market Price Period of Loan For 12 months. Maybe renewed on request, at Bank's discretion:

Conditions:Current Account to be opened with the Bank for availing theOD facilityDepository Account to be opened with the Bank for holding theDemat shares.Only Demat shares from the Banks' approved list will be accepted

as security. However shares held with other DepositoryParticipants may also be accepted as security

If the value of shares pledged falls and after deduction of marginamount the residual value is not adequate to cover the outstanding

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in the loan account, the amount of shortfall should be paid oradditional shares of adequate value should be pledged within 24hours.

Penal Interest2% over the applicable rate in case of irregularity or overdue in theaccount. Default If the shortfall in the account is not rectified either

by payment of funds or by pledging additional shares the Bankmay at its discretion sell the shares for recovery of its dues whollyor partly, without any notice.DocumentationSimple Documentation.

LOAN AGNST PROPERTY

Loan against Property for BusinessIndusInd Bank extends credit facilities for business developmentagainst collateral security of house property

Nature of facilityLoan or Overdraft Margin

Collateral security of 133%Security Equitable mortgage of propertyQuantumRs.5 lacs to Rs.50 lacsRepayment60 equated monthly installmentsBest For Small Businessmen and Traders

LOAN AGNST RENT RECD

Discounting of Lease Rental

IndusInd Bank extends credit limits to landlords who have let outtheir property to Banks, MNCs and other institutions.Nature of facilityLoan or OverdraftMargin25%

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Quantum According to the unexpired rent receivable less TDSRs.5lacks to Rs.100 lacks

Security Equitable mortgage of property let outRepayment Out of rental incomeBest For Landlords

LOAN AGAINST MUTUAL FUNDS

IndusInd Bank solves your liquidity problem without liquidatingyour long term investment.

Nature of facility Overdraft

Margin50% of the repurchase value/NAV.Security Pledge ofMutual funds unit.Quantum Maximum Rs.20 lacs.RepaymentService the monthly interest and settlement of account with ownsources or by disposal of units. Best for Individuals investing inMutual Funds

CREDIT AGAINST SPECIFIED SECURITIESIndusInd Bank solves your liquidity problem without liquidatingyour long term investment.

Nature of FacilityOverdraftMargin20% of face valueSecurity Pledge of specified securityQuantum

No ceiling

PeriodRenewable every 12 monthsRepaymentService the monthly interest. Settle account with own source or by

bullet payment at the time of maturityBest for Salaried class and IT payers

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TRADERS ADVANCES

IndusInd Bank extends Working Capital limits to small tradersand businessmen on the basis of turnover and other parameters.

Nature of facilityDemand Loan / OverdraftMargin25%SecurityPrimary security of stock and collateral security of property.Quantum20% of annual turnover up to Rs.10 lacs.Projected turnover and audited financial statements for credit limits

over Rs.10 lacs and the eligibility would be fixed as per variousfinancial parameters.RepaymentBy monthly installment / on demand and servicing of monthlyinterest.Best for Wholesale / Retail traders with valid license / registration

REGULAR DEBIT CARD

Surprising how a slim piece of plastic with a magnetic strip easeslife! Whether it is an ATM card or acredit card, there are definiteadvantages to the increasing trend of cashless transactions. But notwithout limitations.The advantage of almost universal acceptabilityof a credit card comes with a subtle disadvantage of indulging inextravagance without thought of prudence. The ATM card, whileensuring that you do not spend beyond limits also comes with theinconvenience of hunting for an ATM center every time you need

cash.Trust technology to come up with the ideal solution thatcombines the advantage of both the ATM card and the credit cardwith the limitations of neither: The Debit Card! And trust IndusIndBank to bring it to you - the IndusInd Bank Visa Power Card - anInternational Debit Card that is as widely accepted as a creditcard but restrains you from overspending!

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After all, for someone like you who is going places, you need acard that can accompany you too! The IndusInd Bank International

VISA Power Card ensures that there are no inconvenient detours toan ATM Center in your journey to your destination, be it shopping,eating out, traveling or whatever. Using the VISA Electron Onlinedebit card program, your IndusInd Bank Account will instantlydebited every time you transact using your Power Card at anyVISA-accredited Merchant Establishment or ATM, anywhereacross India or the world. Visit your nearest branch formore information and our Customer Service Executive will attend

to all your queries. Kindly read the terms & conditions.

Benefits International Access to ATMIndia- Over350ATM

of IndusInd Bank in India- Over30,000VISA / PLUSATMs in IndiaUse any ATM of our network partner- VISA, MITR, NFS & SBI.International- Over 1 million VISA / PLUS ATMs across the globeMerchant Establishments

India- Over 3, 50,000 Merchant locations.International- Over 26 Million Merchant locations.Usage Advantage

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The daily limits per card are as follows: At ATMs : Rs. 25,000*AtMerchant Establishments: Rs. 50,000**subject to the balance in your accountEligibility

Resident Indians holding any of the following Account(s) withIndusInd Bank Savings AccountCurrent Account (Sole Proprietorship)Comfort Account (Salary Account)

Non-Resident Indians holding any of the following NREAccount(s) with IndusInd Bank NRE Savings Account

NRE Current AccountCharges

There is no charge for using the card at IndusInd Bank ATMs.There is no charge for using the card at a Merchant Location(However, at Petrol Pumps and Railway Stations transactioncharges are levied as per Industry practice)

TariffsAnnual Fee : Rs 100/- per card

Duplicate Pin : Rs. 50/- per cardTransaction FeeTransaction Cash Withdrawal Balance

Inquiry Domestic Visa/ Plus ATMs FreeFree

International Visa/ Plus ATMs Rs 125/- Rs 25/-Service tax @ 10.30% will be levied on all fees charged by the

bank

ActivationTo enhance security and ensure that your Power Card is notmisused, please use your IndusInd Bank Power Card at anyIndusInd Bank / Visa linked ATM using the PIN mailed to youseparately. You can either check your account balance or withdraw

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cash. We recommend that when you change the PIN to one of yourchoice immediately. Also please keep changing your PIN

periodically. Once your Power Card is activated you can startusing it immediately at any VISA Merchant Establishment or

VISA ATM across the world. If you have an ATM card currently,please cut the ATM Card diagonally into two pieces and discardthe same.

Lost or Stolen Card

In the event of the Power Card being lost or stolen, this must bereported to any branch of IndusInd Bank in India or to the VISAGlobal Assistance Services Help lines whilst abroad. The loss or

theft of the Power Card should be reported to IndusInd Bankimmediately. Although loss or theft may be reported by any means,you must confirm the same in writing to IndusInd Bank as soon as

possible. A copy of the acknowledged police complaint mustaccompany the written confirmation. Should transactions bereceived by IndusInd Bank after the Power Card has been lost orstolen but before receipt of your written communication, you shall

be liable for all amounts debited to the account.IndusInd Bank is

fully indemnified against any liability (Civil or Criminal), loss,cost, expenses or damages that may arise due to loss or misuse ofthe Power Card in the event that it is lost and not reported toIndusInd Bank, or lost and misused before IndusInd Bankis informed. Provided you have in all respects complied with theterms and conditions, a replacement Card may be issued at thesole discretion ofIndusInd Bank.Should you subsequently recover your Power Card, it must not be

used. Please destroy the Power Card by cutting it into severalpieces through the magnetic strip.

Zero Lost Card Liability Insurance

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The insurance benefit provided on the Card will be available as perterms of the relevant insurance policyin force, as long as you are and remain a Cardholder of IndusIndBank with your account conduct being deemed satisfactory and in

the event of the Card and/or account facility being terminated forwhatever reason, the benefit of such insurance cover shallautomatically and ispo facto cease to be available from the date ofcessation of membership. The Zero Lost card liability insurancecover has been taken by IndusInd Bank from National InsuranceCompany as per the warranties, exclusions and conditionsmentioned in the standard policy form and subject to a limitof indemnity as stated in the policy. The cover under this policy

is against debits established against IndusInd Bank as a result ofthe use of a lost or stolen card by any unauthorized person to

purchase tangible goods or services. Cover is restricted to sevendays from the date of discovery of the theft or loss of the card. Themeaning of 'debits' within terms of this policy shall be 'those debitsoccurring between the time of reporting of loss/theft of Debit Card

by the cardholder to IndusInd Bank and the time of hot listing ofsuch a debit card'.IndusInd Bank does not hold any warranty

and/or make representation about quality, delivery of the cover,claims processing or settlement of the claim by National InsuranceCompany in any manner whatsoever. The insurance benefits areavailable to you regardless of other existing insurance thatyou may avail of. You may be asked to submit additionaldocuments, as per the requirements of the case.IndusInd Bank willnot be liable for any delayed settlement of claims. There will beno coverage provided on cash withdrawals done through ATMs; assuch transactions require the use of a PIN which is confidential to

you.

Global Customer Assistance Numbers

Debit Card Cardholders from IndusInd Bank can receive globalassistance, 24 hours a day, 7 days a week, when they traveloverseas, from VISA Global Customer Assistance Services. These

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services can be used for lost/stolen card reporting or miscellaneousinformation that you may require overseas regarding medical, legalor other matters.

GOLD DEBIT CARD

IndusInd Bank is pleased to bring you its value addedGold Debit Card. This card is designed for YOU, to exceed your expectations atany of the VISA ATMs or Point-Of-Sale terminals, in any part ofthe world.Unique Features / Benefits of Gold Debit Card: Usage Advantage

The daily limits per card are as follows: At ATMs: Rs. 50,000*#At Merchant Establishments: Rs. 1, 00,000** Subject to the

balance in your account# In the case of other Bank ATMs,customer has to do multiple transactions due to the differenttransaction limits set by different banks.International Access to ATM India- Over350 ATM

of IndusInd Bank in India- Over30,000 VISA / PLUSATMs in India Use any of our network partner-VISA, MITR,

NFS & SBIInternational- Over 1 million VISA/PLUS ATMs across the globeMerchant EstablishmentsIndia- Over 3, 50,000 Merchant locations

International- Over 26 million merchant locationsOther Benefits0% fuel surcharge from ANY outletPersonal Accidental Insurance to the tune of Rs. 1,00,000/-Loss ofBaggage liability to the tune of Rs. 50,000/-Lost Card Liability to

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the tune of Rs. 1,00,000/-Purchase protection to the tune of Rs.50,000/-Exclusive offers on various OutletsFree transactions on any VISA ATMS in IndiaMobile Alerts on every transaction

24 hours Customer CareMobile SIM recharge facility at all IndusInd ATMsLoyalty points on Mobile recharge and POS transactionsTariffsDescription of Charges Gold Card

Annual Fee Rs. 250/- per cardDuplicate Pin Rs. 50/- per cardTransaction Fee-Free on any Visa ATMs in India, if an average Quarterly

Balance maintained is Rs. 50000/- and above.Transaction Cash Withdrawal Balance InquiryDomestic Visa/Plus ATM Free FreeInternational Visa/Plus ATM Rs. 125/- Rs. 25/-

Service tax @ 10.30% will be levied on all fees/charges chargedby the bank.Global Customer Assistance Numbers:Gold Debit Card cardholders of IndusInd Bank can receive globalassistance, 24 hours a day, 7 days a week, when they traveloverseas from VISA Global Customer Assistance Services. Theseservices can be used for lost/stolen Card reporting ormiscellaneous information that you may require overseas.

INDUS MONEY

Indus MoneyA Cash Back Program for IndusInd Bank customers

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At IndusInd Bank, we believe that the best banking experiences arethose that give you more than just whats expected. And our IndusMoney program has been designed keeping this belief in mind.

With IndusInd Banks range of Savings Accounts, besides theconvenience of accessing your account anytime, anywhere, theIndus Money program rewards you for performing even basictransactions on your account. Banking couldnt have been anymore rewarding!!!What is Indus Money?Indus Money' is a unique cash-back program for our customers,which rewards you for all types of spending on your Savings

Account viz.:Shopping and e-ShoppingUtility Bill Payment, Mobile Top-upsCash Withdrawals from our ATMsRailway and Airline Ticket PaymentsInvestments into SIP, Stocks, etc. through a Standing Instruction(SI) or Electronic Clearing System (ECS)You can use any ofour Direct Banking Channels viz. Debit Card, ATMs and Internet

Banking to avail of the benefits under this program. And if you aresomeone who prefers cash for shopping and miscellaneouspayments, you'll not feel left out either, as we reward you for ATMwithdrawals as well!Indus Moneyis available to both Gold Debit Card & Regular Debit Cardholders. Please refer to the top left menu for further information onthe same. Your rewards will be credited into your accountautomatically every month. After all, we believe in making

Banking convenient for you.

How do I track my Indus Money?

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The rewards would be credited to your account the month aftertransactions are effected. You can track your transactions andIndus Money credits conveniently through:Free Instant SMS Alerts

Anytime Transaction History on Internet Banking, ATMsFree Monthly Email Statements All-India Contact Centre for anytransaction enquiry etc.Great! How do I get started?This program is available to all Individual Savings Accountholders, who take a Gold Debit Card*. The Visa Gold Card comeswith attractive features viz.:

Higher Cash Withdrawal limit of Rs.50,000/- per day andPurchase limit of Rs.1,00, 000/- per dayPersonal Accident Cover of Rs.1,00,000/-

Lost Card Liability to the tune of Rs.1,00,000/-

Purchase Protection & Baggage Insurance to the tune ofRs.50,000/- respectivelyExclusive Visa offers on various Outlets24 hours Customer Care To get your IndusInd Gold Card, simplycall our Contact Centre or visit your nearest Branch.Terms & Conditions1.This Money Back offer is applicable to new and existing Gold

Card holders.2.Only Individual Savings account holders would be able to takethe benefits of this offer.

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3.Payouts applicable only in those months where average balanceis above Rs.50,000/- for Indus Privilege Plus, Rs 20,000.00/- forIndus Privilege and Rs 10,000.00 for all other account products.

4.The credit for transactions in a particular month will be givenafter 1 month. Example - For transactions done in the month ofJanuary, the credit will be posted in the account by February end.5.The minimum cash back amount should be Rs.20/- and 2 spendtransactions (with at least one e-transaction, example- ATM CashWithdrawal, Debit Card Purchase, Visa Money Transfer, etc) in amonth to be eligible for credit into the account. There is no carry

forward of cash-back awards to the next month.

6.For ATM cash withdrawals & e-Payments, only transactionsabove Rs.500/- will be eligible for cash-back.7.Cash Withdrawal or internal funds transfer through chequetransaction will not be eligible under this program.

8.For cash-back on SI/ECS, pay-out per transaction will be cappedat Rs.40/- (Spend of Rs.10,000/-).9.There is no money-back for fuel transactions on debit card

purchase since fuel surcharge is absorbed by the Bank for GoldCards.10. IndusInd Bank reserves the rights to withdraw / modify the

offer at any time without any notice thereof.

WEALTH MANAGEMENT SERVICES

IndusInd provides a holistic view of a clients currentfinancial situation. We integrate goal-

based financial planning, advanced portfolio management a

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nd asset allocation, allowing us to make dependablerecommendations and successfully manage valued andtrusted relationships.Wealth management and f inancial planning requires th

e consider atio n of nume ro us aspects of wealth accumulation,preservation and transfer and their ramifications on you and yourfamily. Through our comprehensive and strategic approach, weassist you in the development of integrated financialstrategies that are consistent with your personalgoals. With our special expertise and organizational tools , we help you effec tive ly monitor your assets andfinancial plans. We simplify the demands of managing

your wealth in order to enable you to devote more timeto your bu si ne ss , your pe rson al endeavors, and your family.In cons t ruc ting your inves tment port fo l io , we drawupon a comprehensive r ange o f f inancial p roduct s.Depending on what suits your needs best , we can buildan asset allocated investment portfolio for you, which couldconsist of Mutual funds, Equity IPO,I n s u r a n c e , B o n d s ,

a n d G o l d e t c

INVESTMENTS

IndusInd Bank offers you personalized investment options tohelp achieve your financial objectives. Solutions are tailor-made tosuit each individual's requirements. We offer a host of financialinstruments that includes Fixed Deposits, Mutual Funds, Bondsand Insurance products.

GENERAL INSURANCEIndusInd Bank offers customized solutions that include Acc ide nt, Hea lth , Lia bi lit y, Marine, Motor, Property,Travel & Rural Insurance for individuals as wellas corporate customers in association with Cholamandalam MSGeneral Insurance Company Ltd. Cholamandalam MS General

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Insurance Company (Chola MS) is a joint venture betweenthe US$ 3 Bil l ion Murugappa Group & Mitsui Sumitomo Insurance Group Japan.Murugappa Group isa pioneer and market leader in var ious f ie lds and has

st ron g presence in fertilizers, Sugar, Abrasives, Cycles, bathroom accessories and Consumer f inance. MitsuiSumitomo i s the second l argest insurance Group of Ja pa n wi th a ne t written premium of US$ 12.39 Billion inGeneral Insurance. Chola MS is headquartered in Chennai and has113 offices spread across India.

Health Insurance

Motor Insurance

Home InsuranceTravel Insurance

IndusInd Bank is the Certif ied Corporate Agent for Cholamanda lam MS Gene ra l Insurance Company (Chola

MS) and nothing contained on the Website shall constitute or bedeemed to constitute an advice, an offer to purchase or an

invitation or solicitation to undertake any activity or enter intoany transaction relating to the General Insurance Products.Participation by all IndusInd Bank customers isvoluntary. Insurance is the subject matter of the solicitation

http://www.indusind.com/PageProcess.aspx?PageId=640&lang=en-US&menuid=1&menuname=Health%20Insurance&menuitemid=253&isBottom=NO&LevelNo=2http://www.indusind.com/PageProcess.aspx?PageId=641&lang=en-US&menuid=1&menuname=Motor%20Insurance&menuitemid=253&isBottom=NO&LevelNo=2http://www.indusind.com/PageProcess.aspx?PageId=642&lang=en-US&menuid=1&menuname=Home%20Insurance&menuitemid=253&isBottom=NO&LevelNo=2http://www.indusind.com/PageProcess.aspx?PageId=643&lang=en-US&menuid=1&menuname=Travel%20Insurance&menuitemid=253&isBottom=NO&LevelNo=2http://www.indusind.com/PageProcess.aspx?PageId=640&lang=en-US&menuid=1&menuname=Health%20Insurance&menuitemid=253&isBottom=NO&LevelNo=2http://www.indusind.com/PageProcess.aspx?PageId=641&lang=en-US&menuid=1&menuname=Motor%20Insurance&menuitemid=253&isBottom=NO&LevelNo=2http://www.indusind.com/PageProcess.aspx?PageId=642&lang=en-US&menuid=1&menuname=Home%20Insurance&menuitemid=253&isBottom=NO&LevelNo=2http://www.indusind.com/PageProcess.aspx?PageId=643&lang=en-US&menuid=1&menuname=Travel%20Insurance&menuitemid=253&isBottom=NO&LevelNo=2

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LIFE INSURANCE

IndusInd Bank offers customized insurance solutions which offercomprehensive product portfolio meeting all customer life cycleneeds of Child planning, Savings, Retirement Planning and

Protection in association with Aviva Life Insurance. AvivaLife Insurance India is a joint venture between one of thecountrys oldest and largest groups, Dabur, and Aviva plc,the world's fifth largest and the UK's largest insurancegroup, whose association with India dates back to 1834.With astrong sales force of over 30,000 Financial PlanningAdvisers (FPAs), Aviva has initiated and pioneered manyinnovative sales approaches, including the concept of Banc

assurance and Financial Health Check services.A seasoned teamof fund managers make our fund management are one of thekey differentiators with Aviva. Keeping with Avivascommitment of social responsibility, Aviva has been successful inreaching out to the underprivileged strata through their Microinsurance initiatives.

Aviva brings to you, not just a robust product portfolio meeting allyour lifecycle needs related to Savings, Retirement, Investmentsand Protection but right investment strategies that will helpyou plan for a secured future

CORPORATE BANKING

IndusInd Bank provides a wide array of commercial, transactionaland electronic banking products to corporate clients in India, both

large, and small and medium scale enterprises. We have innovativeproducts designed with focused approach to suit requirements ofvarious segments. We offer corporate banking services includingworking capital finance, term loans, trade and transactionalservices, foreign exchange and cash management services.The facilities are structured to meet specific needs of the client

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taking into account a client's risk profile. With our strong customeroriented approach, we have built relationships with a number ofIndian companies including multinationals, well known domestic

business houses and public sector companies. For more

information on our corporate banking services, please contact our branch nearest you and / or click on the category of yourorganization.

LARGE INDIAN COWe offer credit facilities including working capital finance, termloans, trade and transactional services, foreign exchange and cashmanagement services to large Indian companies. The facilities are

structured to meet specific needs of the clients keeping in mindtheir risk profile. With our strong customer oriented approach, wehave built relationships with a number of Indian companiesincluding those belonging to well-known industrial houses.

SMALL & MEDIUM ENT

For any business to succeed, the availability of funds throughoutits life cycle is of paramount importance. We offer a wide range of

services to meet all the banking requirements of small and mediumenterprises. The limits are fixed keeping in view the enterprise'sneed for funds against the value of the security, margin availableand credit worthiness of the borrower's enterprise.

SUPPLIERS & CUST

We have products for suppliers and customers of our corporateclients. In order to facilitate completion of supply chainmanagement of our large corporate customers, we extend credit

facilities for covering the transactions keeping in mind therequirements of their business associates to minimize their

borrowing costs. This ensures minimum paper work and quicktransaction delivery.

INTERNATIONAL BANKING

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IndusInd Bank provides a wide range of international bankingproducts and services to corporate clients, both large and medium,and small-scale enterprises. Innovative products are designedwith focused approach and to suit the requirements of the clients.

We offer Trade Finance to exporters, both at pre and post shipmentstage, in Indian Rupees and Foreign Currencies at competitive

price. We also arrange buyer and suppliers credit for our importerclients at competitive rates of interest. Other services includeissuance of foreign guarantees, letters of credit, stand-by lettersof credit etc. International Division also handles remittance

portfolios of Exchange Houses in Foreign Currencies and IndianRupees under different schemes such as Money Transfer Services

Schemes (Money gram, Zoha) and Rupee Drawing Arrangement(under DDA, non DDA and speed remittance schemes). We alsohandle Bullion

trade on consignment basis and satisfy the needs of the gold, silverand other commodity traders in thecountry.Out of our 131

branches, 40 branches are full-fledged authorized dealers in

foreign exchange. We have setup Forex Service Cellwith centralized foreign exchange operations for the remaining branches. With our customer oriented approach we have builtrelationships with number of Indian and Overseas Companies aswell as International Banks for our domestic and overseasoperations.

INVESTMENT BANKING

We are a boutique Investment Bank (SEBI registered Category I

Merchant Banker).We have dedicated team of professionals withvast experience in a wide range of Investment Banking servicesWe work closely with every client to ensure that they get the bestresults out of our resources. Our sector understanding and expertiseas well as our strong domestic and international relationships helps

provide clients with the best solutions for all their needs

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GLOBAL MARKETS GROUP

The treasury of the bank is a very active participant in the inter-

bank market. It mobilizes resources for the bank from domestic aswell as international markets and also manages the surplusfunds available by deploying it profitably. The treasury is dividedinto foreign exchange and money market desks. The foreignexchange desk is supported by the sales desk, which interacts withthe corporate clients keeping them abreast of the latest happeningsin the international markets and advising them on risk managementtools available and the best strategies for hedging their exposures

CAPITAL MKT

The Banks Capital and Commodities Market group has a rangeof services for different segment of clients like Investors, Brokers,and Corporate etc

WHAT IS ASBA?

To make the existing public issue process more efficient, SEBI has

introduced a supplementary process of applying in public issues,viz. the Applications Supported by Blocked Amount (ASBA).

Meaning of ASBA

:Application Supported by Blocked Amount (ASBA) means anapplication for subscribing to a public issue, along with anauthorization to Self Certified Syndicate Bank to block theapplication money in a bank account.Eligibility of investors for ASBA:

All investors except Qualified Institutional Buyers (QIBs) areeligible to apply through ASBA in public issues.Self Certified Syndicate Bank (SCSB):SCSB means a banker to an issue registered with SEBI, which

offers the facility of Application Supported by Blocked Amount.

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IndusInd Bank is an SCSB and will accept applications underASBA from its accountholders for all public issues.

ASBA Process in brief:An ASBA investor shall submit a physical ASBA to the Bank.The Bank shall then block the application money in the bank

account specified in the ASBA, on the basis of an authorization tothis effect given byte account holder in the ASBA. Theapplication money shall remain blocked in the bank accounttill finalization of the basis of allotment in the issue or tillwithdrawal / failure of the issue or till withdrawal /rejection of the

application, as the case may be. The application data shallthereafter be uploaded by the Bank in the electronic biddingsystem through a web enabled interface provided by the StockExchanges. Once the basis of allotment is finalized, the Registrarto the issue shall send an appropriate request to theCB of Bankfor unblocking the relevant bank accounts and for transferring the requisite amount to the issuer