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Number of States/ Union Territories Banking Outlets
North”) 6 101
[West) 2 194
South) 4 168
East 1 91
(Total 13 554
Notes:
(1) Northern region comprises the following Chandigarh, Chhattisgarh, Madhya Pradesh, New Delhi, Uttar Pradesh and
Rajasthan.

(2) Western region comprises Gujarat and Maharashtra
(3) Southern region comprises Karnataka, Telangana, Tamil Nadu and Puducherry
(4) Eastern region comprises Odisha

We typically deploy onsite ATMs and cash recyclers at our Banking Outlets for the convenience of our customers. A.
customer can perform cash withdrawal, fast cash services, mini-statements, balance enquiry, PIN change at our ATMs.
Our Bank has deployed 25 ATMs as of December 31, 2020, and in nine months ended December 31, 2020, we recorded
an average number of 2,471.28 transactions per month per ATM.

Digital Channels
Internet Banking

Our internet-banking platform is equipped to handle basic remittance services like IMPS, NEFT and RTGS. In addition,
we have also extended UPI and bill payment services to aid digital transactions. In Fiscal 2020 and in the nine months
ended December 31, 2020, transactions carried out through internet banking amounted to 2 4.70 billion and 2 6.34 billion,
respectively.

Mobile Application

The Suryoday Mobile Banking application is available in Android and iOS operating systems. In Fiscal 2020 and in the
nine months ended December 31, 2020, transactions carried out through mobile banking amounted to % 5.35 billion and
27.82 billion, respectively.

Phone Banking

Our phone banking facilities provide customers access to reset ATM pins, block debit, and prepaid cards. Our phone
banking operations are carried out by a call center with multi lingual communication capabilities to service customers
across the country.

Tab Banking

We offer doorstep banking through our tab-based banking options. Tab based offerings include account opening, general
banking transactions, money transfers, loan application processing and e-KYC based account opening and field
transactions.

Loan Pricing

Our loan pricing framework is based on (a) internal marginal cost of funds known as marginal cost of funds based lending
rate; or (b) external market benchmarks. Rates are reviewed from time to time, depending on prevailing market conditions
and our operating and funding costs at that time. Our MCLR is displayed at on our website. In setting interest rates for
loans, we take into consideration various factors including RBI guidelines on interest rate on advances, the prevailing
MCLR’ external borrowing rates, the interest rates charged by our competitors at the time, our own cost of funds, the
nature of collateral offered, if any, and the credit risk premium. All our loans are denominated in Indian Rupees. Interest
on most of our loans are fixed, with principal and interest payable in monthly.

Treasury Department
Our treasury department is located at our corporate office in Mumbai. Our treasury manages the interest rate risk and
liquidity profile of our balance sheet, including the maintenance of required regulatory reserves and optimization of profits

by trading and taking advantage of arbitrage opportunities. The treasury functions in accordance with the Board approved
polices and RBI guidelines. We have internal control systems to segregate treasury operations into:

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