Schedule of charges

Schedule of Charges for Current Account Loan Against Shares

Loan Sanction and Maintenance charges

Processing Fee	Up to 1% of the sanction amount subject to a minimum of INR 2500/=
Renewal Fee	Up to 1% of the sanction amount subject to a minimum of INR 2500/=
Charges for Late Payment	24% p.a. on overdue amount. This will be calculated on a daily product basis and levied on a monthly basis
Pledge Depledge fees	0.02% of the pledge / depledge value subject to a minimum INR 20 per tariff
Pre payment / part payment penalty	Not Applicable
Charges on drawings in excess of Limits (due to application of interest or revaluation of portfolio under pledge)	Penal interest of 24% p.a. plus tax on the amount drawn in excess of the Limit. This will be calculated on a daily product basis and levied on a monthly basis.
Sale of security	All brokerages, transaction charges and other levies as per actuals
Legal & incidental charges	As per actuals.
Demat Charges	As applicable to the Demat account from time to time.
Stamp duty and other statutory charges	As per Applicable laws of the State
Credit assessment charges	Not Applicable

AMB & Cheque Book Charges

Average Monthly Balance Requirement (Category A and A+ Branches)	NIL
Average Monthly Balance Requirement (Category B, C, IMFS and Rural Branches)	NIL
Charges for Non-Maintainance of AMB	NA
Cheque Book Issuances (Payable At Par: 50 leaves Book)	1st Cheque book FREE
Charges of Check Book on additional usage	Rs. 2 per leaf

Collections

Local Cheque Deposit

Free

Cheques deposited at any location of Indusind Bank for clearing in the same location

Free

Outstation Cheque Deposit on Indusind Location (inclusive of all charges and service tax)

Instrument Value	Charges (Inclusive of all Charges)
Cheques collection Up to and including 5,000 -	Rs. 25/-
Above 5,000 and up to and including 10,000 -	Rs. 50/-
Above 10,000 and up to and including 1,00,000 -	Rs. 100/-
Above 1,00,000 -	Rs. 200/-

Outstation Cheque Deposit on Non-Indusind Location (inclusive of all charges and service tax)

Funds Transfer (Between any Indusind Bank Branches) (Online/through Branch)

Free

Payments

Funds Transfer (Between any Indusind Bank Branches) (Online/through Branch)	Free
Payments at Any Location of IndusInd Bank for clearing in the same location through PAP cheque	Free
DD/ PO (At Branch Locations)
Free Limit	NIL
Charges on Additional usage	Rs. 1/1000 Min Rs. 25 Max Rs. 10,000
DD/ PO (Correspondent Bank Location)
Free Limit	NIL
Charges on Additional usage	Rs. 2/1000 Min Rs. 100 Max Rs. 15000
DD/ PO (Non-Correspondent Bank)	Rs. 3/1000, Min Rs. 100 Max Rs. 15000
NEFT (NATIONAL ELECTRONIC FUNDS TRANSFER)	Up to Rs. 1 lac Charges of Rs. 5/- per transaction –From Rs. 1 lac to 2 lac Charges of Rs. 15/- per transaction- Rs. 2 lakh and above Rs. 25 per transaction
RTGS (REAL TIME GROSS SETTLEMENT)	From Rs. 2 lac to 5 lac Charges of Rs. 25/- per transaction – Rs. 5 lakh and above Rs. 50 per transaction

Cash Transactions

Cash Deposit at Home Location
Free Limit per month	Rs. 5,00,000
Additional Charges on incremental deposits	Rs. 3/1000
Charges for Cash Deposit at Non-Home Location	Rs. 4/1000
Cash Withdrawal
Cash Withdrawal (Home Location)	Free
Cash Withdrawal (Non-Home Location)	Free
Cash Withdrawal (ATM's) IndusInd Network	Free
Cash Withdrawal Other ATMs	Free unlimited for balance above Rs. 10,000 in previous month. If balance in previous months is less than Rs. 10,000/- then 5 transactions Free. Beyond 5 Transactions, Charge of Rs. 20 per Transaction
Cash Withdrawal Outside India	Rs. 125/-
Cash Withdrawal Limit by ATM Card
Cash Withdrawal Limit by Platinum Dr Card	NA

Account Access

Net Banking	Available
Phone Banking	Available
Mobile Alerts	Available
Doorstep Banking^*	Available

Other Features & Charges

Stop Payment (Single Cheque)	Rs. 100
Stop Payment (Series Cheque)	Rs. 150
Cheque Return (Inward) For Financial Reasons	Up to 2 instruments per month- Rs.350 per instrument. On 3rd & 4th instrument - Rs.500 per instrument 5th Instrument onwards- Rs.750 per instrument
Cheque Return (Outward) IndusInd Location	Rs. 50 per cheque
Cheque Return (Outward) Other Locations	Rs 100 per cheque + Out of pocket Expenses
Internal Transfer Return Charges	NIL
ECS Returns	Rs. 200
Debit Card
Business Gold Debit Card Without CHIP (Issuance, Annual Charges, Replacement & Supplementary Card)	Rs 100 p.a.
Gold Debit Card (Issuance, Annual Charges, Replacement & Supplementary Card)	Rs. 250 p.a.
Platinum Business Dr Card (Issuance, Annual Charges, Replacement & Supplementary Card)	NA
Balance Inquiry at Other ATMs within India	Free
Balance Inquiry Outside India
POS Limit on Debit Card
POS Limit on Platinum Business Debit Card (per day basis)	NA
Email Statement (Daily)	Free
Adhoc Statement printed	Rs. 10 per page
Dormancy Charges	Rs. 100
Dormant Account Activation	Free
Account Closure Charges
Before Six Months	Rs. 200
After Six Months	NIL

Doorstep Banking^*

Cash Delivery / Pickup (Per call)
Till 2 lacs	Rs. 150
2 - 5 lacs	Rs. 250
5 - 10 lacs	Rs. 400
10 - 20 lacs	Rs. 800
20 - 50 lacs	Rs. 1,100
> 50 lacs	Contact Branch
Cash Delivery / Pickup (Beat delivery) per month
Till 1 lacs	Rs. 2,000
1 - 2 lacs	Rs. 3,000
2 - 5 lacs	Rs. 5,500
5 - 10 lacs	Rs. 9,000
10 - 20 lacs	Rs. 16,000
20 - 50 lacs	Rs. 25,000
> 50 lacs	Contact Branch
Cheque Pickup (On call)*	Rs. 50 per instance
Cheque Pickup (Beat) per month*	Rs. 500
PAP- Payable At Par
Taxes and other statutory charges shall be as applicable as per regulation and statutes
* Services Available on Request at Select Locations

Interest Rate Range for July to Sep 17

Bank ROI			APR
Min	Max	Average	Min	Max	Average
10.00%	12.45%	10.62%	11.25%	13.70%	11.87%

Note: APR calculations assumes 100% Utilization on minimum loan amount of Rs 2 lac and pledge through a single TRF. On going pledge and depledge charges for any additional pledge or depledge, taxes and penalties on the loan are not included in APR calculation.