MAIN BRANCH MUMBAI-DETAILS : Bank Name: IDBI Bank Branch Name: MAIN BRANCH-MUMBAI Address: IDBI Towers,Ground Floor,World

Trade Centre Cuffe Parade, Mumbai - 400005 Maharashtra City: MAIN BRANCH-MUMBAI District: GREATER BOMBAY State: Maharashtra Phone: 1800221070(MTNL/BSNL)18002001947 Email: customercare@idbi.co.in Micr Code: 400259017 IFSC Code: IBKL0000126 Website: http://www.idbi.com

Bank's Profile : IDBI Bank Ltd. is today one of India's largest commercial Banks. For over 40 years, IDBI Bank has essayed a key nation-building role, first as the apex Development Financial Institution (DFI) (July 1, 1964 to September 30, 2004) in the realm of industry and thereafter as a full-service commercial Bank (October 1, 2004 onwards). As a DFI, the erstwhile IDBI stretched its canvas beyond mere project financing to cover an array of services that contributed towards balanced geographical spread of industries, development of identified backward areas, emergence of a new spirit of enterprise and evolution of a deep and vibrant capital market. On October 1, 2004, the erstwhile IDBI Bank converted into a Banking company (as Industrial Development Bank of India Limited) to undertake the entire gamut of Banking activities while continuing to play its secular DFI role. Post the mergers of the erstwhile IDBI Bank with its parent company (IDBI Ltd.) on April 2, 2005 (appointed date: October 1, 2004) and the subsequent merger of the erstwhile United Western Bank Ltd. with IDBI Bank on October 3, 2006, the tech-savvy, new generation Bank with majority Government shareholding today touches the lives of millions of Indians through an array of corporate, retail, SME and Agri products and services.

Headquartered in Mumbai, IDBI Bank today rides on the back of a robust business strategy, a highly competent and dedicated workforce and a state-of-the-art information technology platform, to structure and deliver personalised and innovative Banking services and customised financial solutions to its clients across various delivery channels.

As on March 31, 2013 IDBI Bank has a balance sheet of Rs. 3,22,769 crore and business size (deposits plus advances) of Rs 4,23,423 crore. As an Universal Bank, IDBI Bank, besides its core banking and project finance domain, has an established presence in associated financial sector businesses like Capital Market, Investment Banking and Mutual Fund Business. Going forward, IDBI Bank is strongly committed to work towards emerging as the 'Bank of choice' and 'the most valued financial conglomerate', besides generating wealth and value to all its stakeholders.

As per RBI mandate, Savings Bank interest will be calculated on the daily balances maintained in your account, at a rate of interest as specified by RBI from time to time (existing rate is 4.00% p.a.). Savings Bank Rate (w.e.f. May 03, 2011) 4.00 % p.a.

Base Rate (w.e.f February 01, 2013) 10.25 % All the loans are linked to Base Rate of the Bank Current BPLR (w.e.f February 01, 2013) 14.75 %

Fixed Deposits Interest Rate The Bank pays interest on deposits as per various deposit schemes. Interest Rates are revised from time to time and made known to public. Revised interest rates are applicable only to the renewals and fresh deposits while existing deposit continue to get interest at the contracted rate Interest Rate on Term Deposits (w.e.f. May 13, 2013) Resident Term Deposit / NRO for deposit upto less than Rs. 1 Crore #

Tenor

Interest Rate (% p.a.)

15-45 days 46-90 days

6.00 7.00 7.25 8.50 8.75

91 days - < 6 months 6 months- 269 days 270 days- 1 year

1 year 1 day-499 days 500 days@ > 500 days 5 yrs >5 yrs-7 yrs >7 yrs 10 yrs >10 yrs up to 20 yrs *

8.75 9.00 9.00 8.75 8.50 8.50

Senior Citizen Interest Rates** for deposit upto less than Rs. 1 Crore

Tenor

Interest Rate (% p.a.)

46-90 days 91 days - < 6 months 6 months- 269 days 270 days- 1 year 1 year 1 day-499 days 500 days@ > 500 days 5 yrs >5 yrs-7 yrs >7 yrs 10 yrs >10 yrs up to 20 yrs *

7.00 7.25 9.00 9.25 9.25 9.50 9.50 9.25 9.00 9.00

# Deposits of Rs 1 Crore and above are treated as Bulk deposit w.e.f April 01, 2013 as per the revised definition advised by RBI.

@ Specific Codes for 500 days to be used for opening this special bucket account. * i. Retail deposits on regular payment of interest basis (i.e. non-cumulative basis) may be accepted by the branches. ii. Acceptance of deposits for any period over 10 years under Specified Government Schemes with interest cumulative on quarterly basis (cumulative basis) would require prior approval (PBG Corporate Centre). iii. Retail Deposits under Floating Rate of Interest Term Deposit (FRTD) Scheme for maturity bucket above 10 years to 20 years (non-cumulative) may also be accepted. ** The Senior Citizen Interest rates are 0.50% higher for deposits from 6 months up to 20 years, including for Tax Saving Deposits. Floating Rate Term Deposit ANCHOR RATE DETAILS

Average of Weighted Avg. Yield of 364 days Treasury Bill Auction undertaken by RBI for Quarter Anchor Rate (%) Anchor Rate for Quarter

Between April 1 June 30, 2012 July 1 September 30, 2012

8.19

Between July 1 September 30, 2012 8.04 Between October 1 December 31, 2012

Between October 1 December 31, 2012 8.05 Between January 1 March 31, 2013

Between January 1 March 31,2013 7.86 Between April 1 June 30, 2013

Between April 1 - June 30,2013 7.46 Between July 1 - Sept.30, 2013

RATE APPLICABLE FROM JULY 1, 2013 TO SEPT. 30, 2013

Tenor Citizen Anchor Rate Mark - up on the average rate Senior Effective rate

(Years) 1 2 3 5 7 10 >10 20

(%) 7.46 7.46 7.46 7.46 7.46 7.46 7.46

(%) 1.1

(%)

(%)

8.46 8.96

1.25 8.56 9.06 1.25 8.71 9.21 1.25 8.71 9.21 1.35 8.81 9.31 1.4 1.4 8.86 9.36 8.86 9.36

Suvidha Tax Saving Fixed Deposits (5 YEARS) w.e.f. May 13, 2013 Normal Retail Rate Senior Citizens 9.00 9.50

Recurring Deposits *** (w.e.f. May 13, 2013) Interest Rate (% p.a.) Tenure Normal Senior Citizen

1 Yr - 15 months

8.75

9.25

>15 months - 5 yrs 9.00

9.50

>5 yrs - 7 yrs

8.75

9.25

>7 yrs - 10 yrs

8.50

9.00

*** No interest shall be paid if Recurring Deposit (RD) is discontinued before three months. If RD is discontinued before one year but kept for at least 3 months with the Bank then Interest rate applicable for Savings Bank shall be paid. In case of premature closure of Recurring Deposit by Sr. Citizen, the additional 50bps applicable to Sr. Citizen shall be made available provided the RD has been with the bank for complete 12 months from the date of the 1st installment.

Interest payable on Premature Withdrawal of Term Deposits No penalty for premature withdrawal on Retail Term Deposit opened / renewed with effect from 1st Jan 2011.

With respect to Retail Term Deposit booked prior to January 1, 2011, no premature penalty will be applicable if the existing Term Deposit are prematurely closed and rebooked for an equal or longer maturity period. e.g. if a customer had booked an FD in April 14, 2010 for 2 years and he now proposes to preclose and reinvest afresh from January 01, 2011 for 2 years or more.

In case the customer prefers to prematurely withdraw the retail term deposit (booked before 01st Jan 2011) from the Bank, the penalty norms prevailing at the time of booking of the term deposit will be applicable. For FD of Rs. 1 cr. and above, please contact our nearest branch. Penalty for Premature Closure of deposits: Interest payable on prematurely withdrawn deposits will be the contracted rate or the rate applicable for which the deposit remained with the Bank, whichever is lower, less 1% penalty.

ICICI BANK
Maturity Period Rates of Interest (% p.a.) w.e August16,2013 For deposit less than Rs. 1 crore General 7 days to 14 days 15 days to 29 days 30 days to 45 days 46 days to 60 days 61 days to 289 days 290 days to less than 1 year 1 year to 389 days 390 days to 2 years 2 years 1 day upto 5 years 5 years 1 day upto 10 years Tax Saver FD 80C (5 year) Upto Rs. 1lac 8.75 9.50 4.50 4.75 5.50 7.00 7.75 7.75 8.00 9.00 8.75 8.50 SeniorCitizen ** 5.00 5.25 6.00 7.50 8.25 8.25 8.50 9.50 9.50 9.25

Introduction : ICICI Bank Limited (NSE: ICICIBANK, BSE: 532174, NYSE: IBN) is a multinational financial services company headquartered in Mumbai, India. It is the second largest bank in India by assets and third largest by market capitalisation. It offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialised subsidiaries in the areas of investment banking, life and non-life insurance, venture capital and asset management. The Bank has a network of 3,350 branches and 10,486 ATM's in India, and has a presence in 19 countries, including India.[2]

The bank has subsidiaries in the United Kingdom, Russia, and Canada; branches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre; and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. The company's UK subsidiary has established branches in Belgium and Germany.[3]

ICICI Bank is one of the Big Four banks of India, along with State Bank of India, Punjab National Bank and Canara Bank.[4]

On 14th March 2013 the online magazine Cobrapost released video footage from Operation Red Spider showing high ranking officials and some employees of ICICI Bank agreeing to convert black money into white, an act in violation of Money Laundering Control Act. The Government of India and Reserve Bank of India ordered an inquiry following the expos. On 15th March 2013, ICICI Bank suspended 18 employees, pending inquiry.[5][6][7] On 11th April 2013 Deputy Governor of RBI, H R Khan reportedly told that the central bank is initiating action against ICICI Bank in connexion with allegations of money laundering.

Acquisitions : 1996: SCICI Ltd. A diversified financial institution with headquarters in Mumbai 1997: ITC Classic Finance. Incorporated in 1986, ITC Classic was a non-bank financial firm that engaged in hire,m purchase, and leasing operations. At the time of being acquired, ITC Classic had eight offices, 26 outlets, and 700 brokers. 1998: Anagram Finance. Anagram had built up a network of some 50 branches in Gujarat, Rajasthan, and Maharashtra that were primarily engaged in retail financing of cars and trucks. It also had some 250,000 depositors. 2001: Bank of Madurai 2002: The Darjeeling and Shimla branches of Grindlays Bank 2005: Investitsionno-Kreditny Bank (IKB), a Russian bank 2007: Sangli Bank. Sangli Bank was a private sector unlisted bank, founded in 1916, and 30% owned by the Bahte family. Its headquarter were in Sangli in Maharashtra, and it had 198 branches. It had 158 in Maharashtra and 31 in Karnataka, and others in Gujarat, Andhra Pradesh, Tamil Nadu, Goa, and Delhi. Its branches were relatively evenly split between metropolitan areas and rural or semi-urban areas. 2010: Bank of Rajasthan.

Awards : 2004 Best Bank in India Award presented by Euromoney Magazine[34]

2007 ICICI Bank has been conferred the Euromoney Award 2007 for the Best Bank in the Asia-Pacific Region[35] ICICI Bank wins the Excellence in Remittance Business award by The Asian Banker[36]

2009 ICICI Bank bags the "Best bank in SME financing (Private Sector)" at the Dun & Bradstreet Banking awards[37]

2011 ICICI Bank is the only Indian brand to figure in the BrandZ Top 100 Most Valuable Global Brands Report, second year in a row[38] ICICI Bank ranked 5th in the list of "57 Indian Companies", and 288 th in World Rankings in Forbes Global 2000 list.[39] ICICI Bank has won the "Banking Technology Awards 2010" at The Indian Banks Association in the following categories[40] ICICI Bank was recognised for its Special Citation of the Fully Electronic Branch Service Channel, first set up at Hiranandani Estate, Thane, at the Financial Insights Innovation Awards held in conjunction with Asian Financial Services Congress[41]

For the second year in a row, ICICI Bank was ranked 70th in the Brandirectory league tables of the worlds most valuable brands by, The BrandFinance Banking 500[42] ICICI Bank was ranked 1st in the Banking and Finance category and 9th in the "2010 Best Companies To Work For" by Business Today[43] ICICI Bank UK, HiSAVE product range has been awarded the Consumer Moneyfacts Awards 2011 for the 'Best Online Savings Provider'[44] For the second consecutive year, ICICI Bank was ranked second in the "India's 50 Biggest Financial Companies", in The BW REAL 500 by Business World[45] ICICI Bank was one of the winners in the Global Awards for Enterprise & IT Architecture Excellence. ICICI Bank bagged the award in the Business Intelligence and Analytics' category.[46] The Brand Trust Report ranks ICICI among the top 4 most trusted financial institutions.[47] ICICI Bank awarded "House Of The Year (India)", by Asia Risk magazine, for eighth time in a row since 2004[48] ICICI Bank awarded the most Tech-friendly Bank award by Business World[49] ICICI Bank received the Best Trade Finance Bank in India by The Asset Triple A Award, Hong Kong[50] ICICI Bank is the first and the only Indian brand to be ranked as the 45th most valuable global brand by BrandZ Top 100 Global Brands Report[51]

2012 Airtel, ICICI among 'top 100 global brands' [52] ICICI Bank won the "Best Bond House (India) 2011", by IFR Asia [53]

ICICI Bank awarded the Best Bank (India) by Global Finance [54] ICICI Bank won the "Century International Quality Era Award" at Geneva [55] ICICI Bank was awarded the "Best Foreign Exchange Bank (India)" by Finance Asia Country Awards.[56] ICICI Bank received the "Dataquest Technology Innovation Awards 2012" for Data centre migration by Dataquest. ICICI Bank was conferred the Best Performance Award for Self Help Group (SHG) Bank Linkage Programme in NABARD's State Level Awards announced by their Maharashtra Regional Office. The Bank received the first prize for the year 201011 in the Private Sector Bank category and 2nd runner up for the year 2011-12 in the Commercial Bank category. For the second consecutive year, ICICI Bank won the NPCI's NFS Operational Excellence Awards in the MNC and Private Sector Banks Category for its ATM network. Mr.K.V.Kamath was awarded the "Hall Of Fame" by Outlook Money for his long standing contribution in the financial services sector.[57] ICICI Bank won the Best Bank - India Award by The Banker.[58] Ms. Chanda Kochhar ranked 18th in the Fortune's list of '2012 Businesspersons of the Year'. The 50 global leaders is Fortune's annual ranking of leaders who are "the best in business".[59] Ms. Chanda Kochhar tops the list of "50 Most Powerful Women in Business" by Fortune India. ICICI Bank tops the list of "Private sector and Foreign Banks" by Brand Equity, Most Trusted Brands 2012. It ranks 15th in the "Top Service 50 Brands".[60] For the third consecutive year, ICICI Bank ranked second in "India's 50 Biggest Financial Companies" in The BW Real 500 by Businessworld.[61]

For the second year in a row, Ms. Chanda Kochhar, Managing Director & CEO was ranked 5th in the International list of 50 Most Powerful Women In Business by Fortune. ICICI Bank tops the list of most fans in India and globally ranks fifth amongst financial institutions on Facebook in the social media engagement study conducted by Ketchum Sampark.[62] ICICI Bank in the Private Sector Bank category won the Best Technology Bank Of The Year ,Best Financial Inclusion Initiative and Best Use Of Technology In Training and e-Learning by Indian Bank's Association (IBA) Technology Awards. The Bank also received the first runner up for Best Online Bank, Best Customer Relationship Initiative and Best Use Of Mobility Technology in Banking by IBA Technology Awards . ICICI Bank awarded the Best SME Bank for Treasury and Working Capital (India) by The Asset Triple A.[63] ICICI Bank received the Best Trade Finance House and Best Cash Management House by The Corporate Treasurer Alliance Country Awards.[64] ICICI Bank awarded the Best Private Sector Bank in Global Business Development, Rural Reach and SME financing categories by Dun & Bradstreet - Polaris Financial Technology Banking Awards.[65]

2013 ICICI Bank awarded the Most Admired Infrastructure Debt Financer and PPP Project of the Year: Yamuna Expressway Project, in the 5th KPMG Infrastructure Today Awards by ASAPP Media Information Group[66] ICICI Bank Limited has been conferred the Best Remittance Business award at The Asian Banker's International Excellence in Retail Financial Services 2013 Awards ceremony.

ICICI Bank was honored with the Medici Innovation Hall of Fame Award, instituted by The Medici Institute in collaboration with the Medici Group, USA. ICICI Bank and its IT partner Fundtech won The Asian Banker Technology Implementation Award for the Convergence Banking project from Asian Banker. Ms. Chanda Kochhar, MD & CEO, was ranked as the most powerful business woman in India in Forbes' list of 'The World's 100 Most Powerful Women 2013'. [67] Ms. Chanda Kochhar, MD & CEO, was also featured in the Power List 2013 of 25 most powerful women in Inda by India Today, for the third year in a row.

NAME - SHEHZAD A. ANJURKAR

CLASS SY.BMS.A. 59

SUBJECT BANKING & INSURANCE

TOPIC INTEREST RATE ON (FD) i.e FIXED DEPOSIT OF IDBI & ICICI