We offer the following types of deposits to our customers:

Fixed Deposits: We offer regular fixed deposits and senior citizen fixed deposits. Resident individuals, HUF, sole
proprietorship firms, partnership firms, limited companies and trust accounts can open deposits. The minimum amount
that can be deposited is 71,000. Fixed deposits can be opened for a minimum period of seven days to a maximum of ten
years. Interest payment options are monthly, quarterly and at maturity. The rate of interest paid for fixed deposits varies
according to tenure and special interest rates may be offered to senior citizens. Premature closure and partial withdrawals
are permitted.

Tax Saver Fixed Deposits: We offer regular tax saver fixed deposits and senior citizen tax saver fixed deposits. The tax
saver fixed deposit is an investment and tax saving tool generating returns over its tenure. The minimum amount that can
be deposited is 71,000 and the maximum amount is = 150,000 in a single financial year. These deposits have a tenure of
at least five years. Interest payment options are quarterly and at maturity. Premature withdrawals and loans against these
deposits are not permitted.

Non-Resident Fixed Deposits: Our Bank offers non-resident term deposits, currently offered in rupee denominated NRE
and NRO fixed deposit variants. These are offered to non-resident Indians, persons of Indian origin and overseas citizens
of India. These fixed deposits are in the form of cumulative fixed deposits and traditional fixed deposits with monthly/
quarterly pay-out options. The rates offered on non-resident deposits do not exceed the rates for domestic deposits and
are determined based on the RBI guidelines. Minimum amount of deposit is = 10,000.

Recurring Deposits: We offer regular recurring deposits and senior citizen recurring deposits. The minimum amount
that can be deposited is = 100. Recurring deposits can be opened for a minimum period of nine months to a maximum of
ten years. Interest payment is quarterly compounded and paid at maturity. The rate of interest paid for recurring deposits
varies according to tenure and amount. Premature closure is permitted.

Institutional Products

We also typically fund our operations through deposits (including certificates of deposit), refinance and subordinated debt
at reasonable cost and comfortable ALM i.e. having long tenor refinance lines of 11 months to 79 months. As of December
31, 2020, we had borrowings of 2 14,870.79 million, of which 75.49% comprised refinance loans.

Other Products and Services

As of December 31, 2020, we offered a range of third-party products, including (i) distribution of life and general
insurance products, (ii) investments through the National Pension Scheme (NPS); (iii) social security schemes such as
the Atal Pension Yojana (APY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), and Pradhan Mantri Suraksha
Bima Yojana (PMSBY); (iv) bill payment and UPI payment services through our digital platforms and (v) safe deposit
locker facilities.

For distribution of life insurance products, we have entered into corporate agency relationships with HDFC Life Insurance
Company Limited and Kotak Mahindra Life Insurance Company Limited. For distribution of general insurance products,
we have entered into corporate agency relationships with ICICI Lombard General Insurance Company Limited and Kotak
Mahindra General Insurance Company Limited. Under these corporate agency agreements, we generate income in the
form of commission.

The insurance products we distribute under life insurance include participating and non-participating, unit-linked
insurance plans and protection plans. Under general insurance products, we distribute motor, health, travel, home
protection and merchant cover insurance products.

We are licensed by the PFRDA and IRDAI for distribution and facilitation of accounts under the NPS, APY, PMJJBY
and PMSBY. We receive commissions for the sale of these products.

Distribution Channels

We carry out our operations through Banking Outlets including URCs, our BC network, ATMs, POS terminals, and
various digital channels including internet banking through our website, phone banking through our call center, and
mobile banking through the application. We also focus on banking through tablets and other devices as alternate delivery
channels. As of December 31, 2020, we operated 554 Banking Outlets across 13 states and union territories.

Network of Banking Outlets

163
