Schedule of Charges for Savings Accounts

Home , Jana Small Finance Bank, Plus (interbank network), Small finance bank

Schedule of Charges is effective from March 28, 2018

Particulars Regular Savings Plus BSBDA Small Savings

Initial deposit 2,500 5,000 Nil Nil

AMB ₹2,500 ₹5,000 or Nil Nil TRV1 ₹25,000 ₹50,000 Charges for non-maintenance of AMB/TRV ₹ ₹ Account If balance maintained is >= Opening & 10 20 NA NA Balance 50% of the Maintenance requirement ₹ ₹ If the balance maintained is < 20 40 NA NA 50% of the requirement ₹ ₹ 1TRV - total balance of SA+CA+FD+RD Either AMB or TRV will be applicable for the customer

4 withdrawals in a month (across all Unlimited channels) For minor 4 withdrawals in Cash withdrawal 1. Maximum of accounts: Unlimited a month (across Cash at branches 10000/transaction Maximum all channels) Withdrawal / 2. Maximum of withdrawal Deposit ₹10000/month 1,00,000/day 3. No foreign ₹ ₹ remittances Free limit for All credits in a FY cash deposit at Unlimited Unlimited Unlimited not to exceed branches 1,00,000

1 free cheque ₹ book every Cheque book quarter. There on, Nil NA NA issuance charges 25 for every 25 leaves cheque book₹ Cheque Stop payment of 50/transaction 50/transaction Book cheque (Leaf or NA NA Series) ₹ Free online ₹ Free online Cheque/ECS 300/transaction 300/transaction 200/transaction 200/transaction return (Inward) Cheque/ECS ₹ Nil ₹ Nil ₹ Nil ₹ Nil return (Outward)

Particulars Regular Savings Plus BSBDA Small Savings Debit card type RuPay Platinum RuPay Platinum Rupay Classic RuPay Classic Debit card Nil Nil Nil Nil issuance Debit card AMC 250 250 Nil Nil Debit card re- 200 200 Nil Nil issuance ₹ ₹ 25,000₹ ₹ ATM cash For₹ minor withdrawal limit 25,000 10,000 accounts: per day Maximum ₹ ₹ withdrawal 5,000 4 free withdrawals 50,000 allowed upto ₹ 10,000 per month For₹ minor including branch ₹ POS limit per day accounts: 50,000 10,000 cash withdrawal, Maximum ATM cash Card withdrawal ₹ ₹ withdrawal, POS, Charges & 10,000 NEFT, DD/PO, ECS/SI debit Other 50,000 Features ₹ transactions For₹ minor E-commerce limit accounts: 50,000 10,000 per day Maximum withdrawal ₹ ₹ 10,000 Prepaid card NA Nil NA NA issuance ₹ Prepaid card NA 50 NA NA AMC Prepaid card re- NA ₹100 NA NA issuance ATM/ POS/ E- ₹ commerce limit NA 10,000 NA NA per day for prepaid card ₹ PIN generation (for both debit or Nil Nil Nil Nil prepaid card)

At Jana Small Finance Bank ATMs 4 free withdrawals allowed upto 10,000 per month including branch ATM No. of free ATM Unlimited Unlimited 4 cash,₹ ATM cash transactions withdrawal, POS, NEFT, DD/PO, ECS/SI debit transactions

Particulars Regular Savings Plus BSBDA Small Savings Charges above free limit for Nil Nil NA NA financial transactions Charges above free limit for non- Nil Nil NA NA financial transactions At other bank ATMS 4 free withdrawals Metro locations: allowed upto 3 transactions 10,000 per month (financial + non- including branch No. of free ATM financial) free 10 transactions cash₹ withdrawal, transactions per (financial + non- 4 ATM cash month Other locations: financial) free withdrawal, POS, 5 transactions NEFT, DD/PO, (financial + non- ECS/SI debit financial) free transactions Charges above free limit for 20 20 NA NA financial transactions ₹ ₹ Charges above free limit for non- 8 8 NA NA financial transactions ₹ ₹ Metro locations: Mumbai, Delhi-NCR, Chennai, Kolkata, Bengaluru and Hyderabad Prepaid Card charges No. of free ATM transactions per NA 3 NA NA month Charges above free limit for NA 20 NA NA financial transactions ₹ Charges above free limit for non- NA 8 NA NA financial transactions ₹

Upto 10,000 - Upto 10,000 - 4 free withdrawals 2.50 2.50 allowed upto ₹ ₹ 10,000 per month ₹10,001 to ₹10,001 to including branch Remittances- 1,00,000 - 5 1,00,000 - 5 ₹cash withdrawal, Remittances Nil NEFT ₹ ₹ ATM cash ₹1,00,001 to₹ ₹1,00,001 to₹ withdrawal, POS, 2,00,000 - 15 2,00,000 - 15 NEFT, DD/PO, ₹ ₹ ECS/SI debit Above₹ 2 lakhs₹ - ₹Above 2 lakhs₹ - transactions

Particulars Regular Savings Plus BSBDA Small Savings 25 25

Free₹ online Free₹ online

2,00,001 to 2,00,001 to 5,00,000 - 25 5,00,000 - 25 ₹ ₹ Remittances- Above₹ 5 lakhs₹ - Above₹ 5 lakhs₹ - Nil RTGS 50 50 ₹ ₹ Free₹ online Free₹ online Upto 1000 Free Upto 1000 Free

1001₹ to 1001₹ to Remittances- 1,00,000- 5 1,00,000- 5 Nil IMPS ₹ ₹ ₹1,00,001 to₹ ₹1,00,001 to₹ 2,00,000 - 15 2,00,000 - 15 Upto₹ 5000 - 25 Upto₹ 5000 - 25 ₹ ₹ ₹ ₹ 5001₹ to 10,000₹ - 5001₹ to 10,000₹ - Remittances- 50 50 Nil DD/POs ₹ ₹ ₹ ₹ Above₹ 10,000 - Above₹ 10,000 - 2 / '000 (min 50) 2 / '000 (min 50) ₹ ₹ Doorstep ₹ ₹ ₹ ₹ banking - No. of 0 0 NA NA free visits per month Doorstep Doorstep 2 75 per pick-up/ 75 per pick-up/ Banking banking beyond NA NA drop drop free limit ₹ ₹ 2Not applicable for minor accounts 2For select locations only. At these locations, the amount limit per day is 25,000

₹ Value-added 15/qtr 15/qtr Nil Nil SMS alerts Other Duplicate Charges ₹ ₹ statement 25 25 25 25 charges ₹ ₹ ₹ ₹

For availability of products & services, please call our Customer Care or contact the nearest branch of Jana Small Finance Bank.

Terms & Conditions: 1. Non-financial transactions are Balance Enquiry, Mini Statement & PIN Change. 2. Savings Account for minors will be opened under Regular Savings Account only. 3. Charges are exclusive of the Goods and Service Tax (GST). The GST rate is subject to change from time to time. 4. The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges. 5. Alerts mandated by RBI will be sent free of charge. 6. Non-Maintenance Charges (NMC) is not applicable once the savings account becomes inoperative / dormant. In the event of a default in maintenance of Average Monthly Balance (AMB) as agreed to between the Bank and customer for the month (referred as ‘Default Month’), the Bank will notify the customer clearly of the default and that the AMB for the account has to be met in the subsequent month (referred to as ‘Notice Month’). If the AMB is still not maintained in the ‘Notice Month’, the NMC (Non Maintenance Charges) for both the ‘Default Month’ and ‘Notice Month’ will be recovered in the subsequent month. The Bank may choose to notify by SMS / email / letter. It will be the responsibility of the customer to have a valid email id, mobile number and address updated with the Bank at all times, failing which, customer may not receive the notification/s. The NMC charges will be based on the shortfall observed in the AMB and as specified in the slabs in GSFC. In case of accounts sourced under promotional offering and enjoying conditional NMC waiver, the terms and conditions of such promotional offering shall prevail.