Staff loans: Extended to individuals employed with our Bank and/ or their immediate relatives to meet their short-term
liquidity requirements, at interest rate of 16.00% per annum.

Collections

We collect repayments in the form of cash/ sending instructions, NACH, post-dated cheques and through various online
portals. We also monitor our collections branch-wise/ location wise on a daily basis. Our collection processes are set out
in our policies and procedures that are in compliance with RBI guidelines. For instance, we issue dunning/ collection
notices under Section 138 of the Negotiable Instruments Act, 1881; and declare wilful defaulters as stipulated in the RBI
guidelines. We also have the option to commence proceedings under the SARFAESI Act, 2002. For overdraft facilities
in particular, we adjust the due amount against the fixed deposit which acts as a security for the overdraft facility. Our
recovery processes including follow-ups and collections are categorized based on the extent of delay in making
repayments, i.e. repayments overdue by 30 days, 60 days and 90 days are each managed through different processes to
ensure that delinquencies do not exceed the thresholds set out internally.

Liability Products

We meet our funding requirements primarily through the current accounts, savings accounts and salary savings accounts
that we source from customers across regions in India. As of December 31, 2020, 27.60% of our liabilities comprised
bulk deposits and the remaining comprised retail deposits. Further, as of December 31, 2020, percentage of CASA to
total deposits was 13.32%.

Current Accounts
As of December 31, 2020, we had 5,599 current accounts.
We offer the following current accounts to our customers:

Current Account Ujjwal: The primary target customer segment is new shop owners and small shopkeepers and is also
for sole proprietorships, individuals, partnership firms, clubs, associations and trusts, limited liability partnership, public
and private limited companies and non-profit organizations. The account allows deposit limits of up to = 200,000 or ten
cash deposit transactions whichever is earlier. Transactional flexibility is a key feature that includes 25 free cheque leaves
per month, lower charges on RTGS, NEFT and IMPS transfers, monthly email statements and half-yearly physical
statements at no cost.

Current Account Aditya: This account is primarily for sole proprietorships and partnership firms and also for individuals,
clubs, associations and trusts, limited liability partnership, public and private limited companies and non-profit
organizations. The account allows deposit limits of the higher of either up to = 500,000 or up to five times the average
monthly balance as maintained in the previous month. Transactional flexibility is a key feature that includes 25 free
cheque leaves per month, unlimited transactions, lower charges on RTGS, NEFT and IMPS transfers, monthly email
statements and half-yearly physical statements at no cost.

Current Account Classic: The primary target customer segment is shop owners and MSMEs and also for sole
proprietorships, individuals, partnership firms, clubs, associations and trusts, limited liability partnership, public and
private limited companies and non-profit organizations. The account allows deposit limits of the higher of either up to =
1,500,000 or 10 times the average monthly balance as maintained in the previous month. Transactional flexibility is a key
feature that includes 50 free cheque leaves per month, unlimited transactions, ten free demand drafts every month, lower
charges on RTGS, NEFT and IMPS transfers, monthly email statements and half-yearly physical statements at no cost.
In addition, a sweep-in facility is available wherein customers can request amounts above certain thresholds to be
converted into fixed deposits.

Current Account Supreme: The primary target customer segment is SMEs and corporates and also for sole
proprietorships, individuals, partnership firms, clubs, associations and trusts, limited liability partnership, public and
private limited companies and non-profit organizations. The account allows deposit limits of the higher of either of up to
% 5,000,000 or 25 times the average monthly balance as maintained in the previous month. Transactional flexibility is a
key feature that includes 100 free cheque leaves per month, unlimited transactions, 20 free demand drafts every month,
free RTGS, NEFT and IMPS transactions every month, monthly email statements and half-yearly physical statements at
no cost. In addition, a sweep-in facility is available wherein customers can request amounts above certain thresholds to
be converted into fixed deposits.

Salary Savings Account

We offer the following types of salary savings account to our customers:

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