Salary Savings Standard: An account with no minimum balance requirements for customers employed by entities that
have a salary account relationship with the Bank. The account offers multiple privileges including savings, protection and
lifestyle privileges. The savings variant is accompanied by the RuPay Classic debit card with features such as ATM
withdrawal limits of = 40,000 per day, unlimited free transactions at Bank ATMs, five free transactions at non-Bank
ATMs every month, unlimited transactions on PoS terminals, free and unlimited RTGS, NEFT and IMPS transactions
through net banking and mobile banking. The account also offers personal accidental death or permanent total disability
insurance.

Salary Savings Premium: An account with no minimum balance requirement for customers employed by entities that
have a salary account relationship with our Bank. The account offers multiple privileges including savings, protection
and lifestyle privileges. The savings variant is accompanied by the RuPay Platinum debit card with features such as ATM
withdrawal limits of 100,000 per day, unlimited free transactions at Bank ATMs and at non-Bank ATMs every month,
unlimited transactions on PoS terminals, free and unlimited RTGS, NEFT and IMPS transactions through net banking
and mobile banking. The account also offers personal accidental death or permanent total disability insurance,
complimentary lounge access and flight delay insurance.

Savings Accounts

As of December 31, 2020, we had 334,989 savings accounts.
We offer the following savings accounts to our customers:

Savings Account Ujjwal: This account is aimed at residential individuals (single or joint holders), new entrants in the
formal banking channels and youth. The account offers multiple privileges including savings, protection and lifestyle
privileges. The savings variant is accompanied by the RuPay Classic debit card with features such as ATM withdrawal
limits of = 20,000 per day, unlimited free transactions at Bank ATMs, five free transactions at non-Bank ATMs every
month, unlimited transactions on PoS terminals, lower charges on RTGS and IMPS transactions through net banking and
mobile banking and free and unlimited NEFT transactions through net banking and mobile banking. The account also
offers personal accidental death or permanent total disability insurance.

Savings Account Aditya: This account is aimed at residential individuals (single or joint holders), HUFs and minors
through guardians, household members, and senior citizens. The account offers multiple privileges including savings,
protection and lifestyle privileges. The savings variant is accompanied by the RuPay Classic debit card with features such
as ATM withdrawal limits of = 40,000 per day, unlimited free transactions at Bank ATMs and at non-Bank ATMs every
month, unlimited transactions on PoS terminals, lower charges on RTGS and IMPS transactions through net banking and
mobile banking and free and unlimited NEFT transactions through net banking and mobile banking. The account also
offers personal accidental death or permanent total disability insurance. In addition, the account offers one complimentary
savings account variant for a family member.

Savings Account Classic: This account is aimed at residential individuals (single or joint holders), salaried and self-
employed individuals. The account offers multiple privileges including savings, protection and lifestyle privileges. The
savings variant is accompanied by the RuPay Classic debit card with features such as ATM withdrawal limits of = 40,000
per day, unlimited free transactions at Bank ATMs, 20 free transactions at non-Bank ATMs every month, unlimited
transactions on PoS terminals, lower charges on RTGS and IMPS transactions through net banking and mobile banking
and free and unlimited NEFT transactions through net banking and mobile banking. The account also offers personal
accidental death or permanent total disability insurance. In addition, the account offers one complimentary savings
account variant for a family member.

Savings Account Supreme: This account is aimed at residential individuals (single or joint holders) and high net worth
individuals. The account offers multiple privileges including savings, protection and lifestyle privileges. The savings
variant is accompanied by the RuPay Platinum debit card with features such as ATM withdrawal limits of = 100,000 per
day, unlimited free transactions at Bank ATMs and at non-Bank ATMs every month, unlimited transactions on PoS
terminals, free and unlimited RTGS, NEFT and IMPS transactions through all channels. The account also offers personal
accidental death or permanent total disability insurance. In addition, the account offers one complimentary savings
account variant for a family member.

Interest rate for our savings accounts ranges between 4% and 6.25% per annum.
Term Deposits

As of December 31, 2020, we had 75,018 term deposit accounts.

162
