Retails Credit Department

Retail Credit Department Contents Maha Super Housing Loan Scheme ......................................................................................................... 3 Features ......................................................................................................................................... 3 Maha-Bank Top up Loan Scheme .......................................................................................................... 10 Take over Guidelines for Home Loan .................................................................................................... 13 Loan against Property Individual Scheme ............................................................................................. 16 DOCUMENTS CHECK LIST (Housing /Top Up /LAP) ............................................................................... 17 MAHA BANK LEASE RENTAL SCHEME FOR LANDLORDS........................................................................ 20 Maha Super Car Loan Scheme............................................................................................................... 21 Features ....................................................................................................................................... 21 MAHABANK VEHICLE LOAN SCHEME .................................................................................................... 23 FOR PURCHASING TWO WHEELER ........................................................................................................ 23 FOR PURCHASING SECOND HAND CAR ................................................................................................. 24 DOCUMENT CHECKLIST-VEHCILE LOAN ................................................................................................ 26 Checklist for Car Loan/ Vehicle Loan ................................................................................................. 27 Salaried/ Pensioner Class .......................................................................................................... 27 Bank Statement: Latest 6 months statement where your salary is getting credited. ......... 27 Model Education Loan Scheme ............................................................................................................. 28 MAHA SCHOLAR EDUCATION LOAN SCHEME ....................................................................................... 30 Skill loan scheme ................................................................................................................................... 39 DOCUMENT CHECKLIST- EDUCATION LOAN SCHEME........................................................................... 40 MAHA BANK PERSONAL LOAN SCHEME................................................................................................ 41 Features ....................................................................................................................................... 41 “Maha Bank Personal Loan” for payment of one time Group Credit Life Insurance Premium ............ 43 MAHA BANK SALARYGAIN SCHEME ...................................................................................................... 44 CHECKLIST FOR PERSONAL LOAN / SALARY GAIN SCHEME................................................................... 45 Mahabank Aadhar Loan Scheme........................................................................................................... 46 Checklist to be obtained for Maha Bank Aadhar Loan Scheme ............................................................ 47 MAHA BANK CONSUMER LOAN SCHEME.............................................................................................. 48 Mahabank Gold Loan Scheme-Retail .................................................................................................... 49 Maha Bank Loan against Paper Security ............................................................................................... 51 1|Page

Retail Credit Department Documents Check List - Loan against Paper Security ............................................................................ 52 Maha bank Reverse Mortgage Loan Scheme ........................................................................................ 53 RATE OF INTEREST IN RETAIL LOANS..................................................................................................... 55 Guidelines on CIBIL TransUnion Score (s).............................................................................................. 60 Delegation of Lending Powers in Retail Loans ...................................................................................... 61 Retail Product & Activity Codes............................................................................................................. 62 Other Retail Loan Scheme ..................................................................................................................... 65 CPC-R FLOW CHART............................................................................................................................... 66 Business Channel Partners .................................................................................................................... 68 Business Channel Partners - DSA........................................................................................................... 68 Business Channel Partners - Car Dealers............................................................................................... 70 Business Channel Partners - Education Loan Counselors (ELCs) ........................................................... 71 Builders’ Residential Project Approval: Approved Project Financing (APF) .......................................... 72 SOP- HOUSING LOAN............................................................................................................................. 77 SOP For Vehicle Loan............................................................................................................................. 83 SOP- Education Loan through Vidyalakhsmi Portal............................................................................... 86 SOP PERSONAL LOANS /CONSUMER LOAN/ SALARY GAIN................................................................... 89 FRAUD PREVENTION.............................................................................................................................. 92 LLMS Retail Module-RLOS ..................................................................................................................... 95 2|Page

Retail Credit Department Maha Super Housing Loan Scheme Features Waiver of last two EMI on regular repayment. 0.05% concession to women and defence personal. Maximum Tenure up to 30 Years / up to 75 years of age. No Pre-Payment / Pre-closure / Part payment Charges. Concession in ROI for Housing Loan borrower in Car Loan & Education Loan. 1) Maha Super Housing Loan – for construction / acquiring of new or existing house/flat and extension of existing house/flat Sr. Particulars Scheme guidelines No. ➢ For construction/ acquiring new or existing house/ flat not older 1. Purpose than 30 years. 2. Eligibility ➢ For Purchase of residential flat under construction /ready directly from the builders/ developers/society/other agencies/Development authority. ➢ For extension (additional construction) in the existing house/flat ➢ Takeover of existing Housing Loan accounts of the applicants under standard category availed from other Banks / Housing Financial Institutions Individual salaried employees / self-employed professionals / Businessman / Agriculturist 3. Eligible of Maximum loan amount will be lowest of loan amount assessed on Quantum the basis of Loan ➢ Permissible Deduction norms 4. Loan to value ➢ Maximum permissible LTV ratio and Margins ➢ Loan amount requested. Norms Loan to value (LTV) ratio Category of Loan LTV Ratio Minimum (Individual Home Loan Margin amount) 90% Up to Rs.30.00 Lakh 80% 10% Above Rs.30.00 Lakhs* 90%* 20% 10% *For loan above Rs 30.00 Lakh additional 15 bps in applicable ROI shall be applicable if LTV is >80 to <=90. The LTV is required to be calculated as a percentage of loan amount to realizable value of residential property. 3|Page

Retail Credit Department Sr. Particulars Scheme guidelines No. 5. Moratorium Maximum 36 months. However interest may be capitalized for a Period maximum period of 18 months thereafter Interest to be serviced as and when applied 6. Repayment Maximum Repayment period of 30 years or on borrower period reaching the age of 75 years whichever is earlier. 7. Deduction For salaried individuals. • Permissible deduction will be calculated based on latest Gross monthly salary. Gross Monthly Income Permissible Deduction Less than Rs. 20000/- Maximum 50% Rs.20000/- & above but less Maximum 60% than Rs.50000/- Rs. 50000/- & above but less Maximum 65% than Rs.2.00 lakh Rs. 2.00 Lakh & above but less Maximum 70% than Rs. 5.00 lakh Above Rs.5.00 lakh Maximum 75% For Non-Salaried Individuals Permissible deduction will be calculated based on - • Professionals - Average of last two year annual income, based on IT returns. • Businessman - Average of last three year annual income, based on IT returns. • Average Gross Annual Income Permissible Deduction Less than Rs.3.00 lakh Maximum 50% Rs. 3.00 lakh & above but less Maximum 60% than Rs.6.00 lakh Rs. 6.00 lakh & above but less Maximum 65% than Rs.10.00 lakh Rs. 10.00 lakh & above but less Maximum 70% than to Rs.20.00 lakh Above Rs.20.00 lakh Maximum 75% 8. Security • ZLCC can consider additional relaxation in deduction norms up to 5% on case to case basis. • Equitable / Registered Mortgage of Property. 4|Page

Retail Credit Department Sr. Particulars Scheme guidelines No. 0.25 % of the loan amount (Subject to max. of Rs. 25,000/-) 9. Processing Full waiver of Processing Fee for Govt. /State /Central Government Fee / Public sector Employees in case of Takeover Loans 2) Maha Super Housing Loan – for Purchase of Plot & construction thereon. Sr. Particulars Scheme guidelines No 1. Purpose For purchase of plot and construction thereon. 2. Eligibility Individual salaried employees/ self-employed professionals/Businessman / Agriculturist 3. Eligible Quantum Maximum loan amount will be lowest of loan amount assessed of Loan on the basis of ➢ Permissible Deduction norms ➢ Maximum permissible LTV ratio ➢ Loan amount requested. 4. Loan to value and For Purchase of Plot: - Minimum 30% of the registered Margins Norms value of the plot. For construction of House (Overall project cost including value of the plot should be taken for LTV, ensuring separate margin for plot) Category of Loan LTV Minimum Margin (Individual Home Ratio Loan amount) Up to Rs.30.00 Lakh 90% 10% of value of construction Above Rs.30.00 80% 20% of value of Lakhs construction 90%* 10% *For loan above Rs 30.00 Lakh additional 15 bps in applicable ROI shall be applicable if LTV is >80 to <=90. ➢ Cost of the Plot should not exceed 75% of the total cost of housing unit. ➢ The LTV will be calculated on the estimated cost of construction, duly vetted by empaneled valuer / Govt. 5|Page

Retail Credit Department Sr. Particulars Scheme guidelines No approved Architect/Engineer, plus the current realizable value of the plot (as per the latest valuation report). 5. Moratorium Period For Purchase of Plot – No moratorium period for Plot loan For construction of House - Maximum of 36 months from date of first disbursement. However interest may be capitalized for a maximum period of 18 months thereafter Interest to be serviced as and when applied 6. Repayment period Maximum Repayment period of 30 years or on borrower reaching the age of 75 years whichever is earlier 7. Deduction For salaried individuals. • Permissible deduction will be calculated based on latest Gross monthly salary. Gross Monthly Income Permissible Deduction Less than Rs. 20000/- Maximum 50% Rs.20000/- & above but less Maximum 60% than Rs.50000/- Rs. 50000/- & above but less Maximum 65% than Rs.2.00 lakh Rs. 2.00 Lakh & above but Maximum 70% less than Rs. 5.00 lakh Above Rs.5.00 lakh Maximum 75% For Non-Salaried Individuals Permissible deduction will be calculated based on - • Professionals - Average of last two year annual income, based on IT returns. • Businessman - Average of last three year annual income, based on IT returns. • Average Gross Annual Permissible Deduction Income Less than Rs.3.00 lakh Maximum 50% Rs. 3.00 lakh & above but less Maximum 60% than Rs.6.00 lakh Rs. 6.00 lakh & above but less Maximum 65% than Rs.10.00 lakh 6|Page

Retail Credit Department Sr. Particulars Scheme guidelines No Rs. 10.00 lakh & above but less Maximum 70% than to Rs.20.00 lakh Above Rs.20.00 lakh Maximum 75% 8. Security • ZLCC can consider additional relaxation in deduction norms up to 5% on case to case basis. Equitable / Registered Mortgage of Property. 9. Processing Fee 0.25 % of the loan amount (Subject to max. of Rs. 25,000/-) 3) Maha Super Housing Loan –For repairs/renovation/alteration of existing house/flat for new standalone borrowers S.No Particulars Scheme guidelines 1. Purpose ➢ For repairs/renovation/alteration of existing house/flat for new standalone borrowers on an unencumbered house property 2. Eligibility • For Salaried: Rs.3.00lakh (last year income) - Minimum past 2 year ITR/Form 16 from the Employer is Mandatory. • For Self-employed Professionals: Rs.3.00lakh (as per last year ITR income) - Minimum past 2 year ITR with supporting documents are mandatory. • For Businessmen: Rs.3.00lakh (as per last year ITR income) - Minimum past 3 year ITR with supporting documents are mandatory. • For Persons engaged in Agriculture & Allied activities having ascertainable Minimum income of Rs.3.00lakh. 3. Eligible Quantum a) 100% of the actual cost of of Loan repairs/renovations/alterations b) Maximum Quantum : Maximum up to 25% of the realizable value of the property based on the latest valuation report not older than 3 months c) *Lower of (a) or (b) The income of son, daughter, sister, brother, along with the spouse can be taken for deciding the quantum of loan and 7|Page

Retail Credit Department S.No Particulars Scheme guidelines repayment capacity provided the property is in the name of all joint members or their guarantee is obtained. 4. Repayment period Maximum Repayment period of 20 years No Moratorium period is allowed 5. Deduction For salaried individuals. • Permissible deduction will be calculated based on latest Gross monthly salary. • Gross Monthly Income Permissible Deduction Less than Rs. 20000/- Maximum 50% Rs.20000/- & above but less Maximum 60% than Rs.50000/- Maximum 65% Rs. 50000/- & above but less Maximum 70% than Rs.2.00 lakh Maximum 75% Rs. 2.00 Lakh & above but less than Rs. 5.00 lakh Above Rs.5.00 lakh For Non-Salaried Individuals Permissible deduction will be calculated based on - • Professionals - Average of last two year annual income, based on IT returns. • Businessman - Average of last three year annual income, based on IT returns. • Average Gross Annual Permissible Deduction Income Less than Rs.3.00 lakh Maximum 50% Rs. 3.00 lakh & above but less Maximum 60% than Rs.6.00 lakh Rs. 6.00 lakh & above but less Maximum 65% than Rs.10.00 lakh Rs. 10.00 lakh & above but Maximum 70% less than to Rs.20.00 lakh Above Rs.20.00 lakh Maximum 75% 8|Page

S.No Particulars Retail Credit Department Scheme guidelines ZLCC can consider additional relaxation in deduction norms up to 5% on case to case basis. 6. Security Equitable / Registered Mortgage of Property. 7. Processing Fee 0.25 % of the loan amount (Subject to max. of Rs. 25,000/-) 9|Page

Retail Credit Department Maha-Bank Top up Loan Scheme 1. MAHA BANK TOP UP LOAN SCHEME FOR REPAIR/ RENOVATION/ EXTENSION/ FURNISHING” S.No Particulars Scheme guidelines 1. Purpose ➢ Top-up Loan Scheme for existing housing Loan 2. Nature of Borrowers of our Bank Facility ➢ Takeover of existing housing loan of other banks and 3. Eligibility additional facility of Top-up Loan for repair/ renovation/ furnishing of house. 4. Eligible Quantum ➢ Term Loan Loan ➢ Existing/Take over Housing loan borrowers (without deviation/ restructuring/rephasement) with minimum 18 months standing (12 months in case of Take over Loans) where repayment commences w.e.f. next month of disbursement and in standard category. ➢ Existing/Take over Housing loan borrowers (without deviation/ restructuring/rephasement) with minimum 24 months standing including moratorium (maximum 18months) and in standard category. ➢ Old Housing Loan borrowers (Regular and Standard only) of our bank who have repaid and closed their existing housing loan, for maximum repayment tenure of 180 months. ➢ Minimum cut off CIBIL score is 700 (for Take Over Loan) ➢ For existing/old housing Loan Borrowers of a) 100% of estimated cost of repair/renovation/furnishing of house Or b) Overall LTV (Loan to Value) should not be more than 75%. (whichever is lower) ➢ For Takeover Housing loan and additional facility of Top-up Loan: a) Takeover of the O/s housing Loan: as per the prevailing norms complying takeover of housing loan scheme. b) Additional Top up Loan: Maximum up to Overall LTV (Loan to Value) ≤ 75% based on the latest valuation report not older than 3 years Or 10 | P a g e

Retail Credit Department S.No Particulars Scheme guidelines 5. Repayment 100% of estimated cost of repair/ renovation/ furnishing period of house. (whichever is lower) ➢ Average annual appreciation in value should not exceed 15% of valuation considered at the time of sanction of base housing loan. ➢ Overall LTV should be calculated based on outstanding balance plus undrawn portion if any in the existing housing loan account plus the proposed Top-up loan together into account. ➢ Maximum Repayment period of 180 months (subject to Age at Loan Maturity should not exceed 75 Years). ➢ Old Housing Loan borrowers (Regular and Standard only) who have repaid and closed their existing housing loan- Maximum Repayment period of 180 months (subject to Age at Loan Maturity should not exceed 75 Years). 6. Deduction ➢ Not to exceed 65% of Gross Income including Proposed EMI of the Loan. 7. Security ➢ Additional mortgage charge on existing house property mortgaged to the Bank 8. Processing Fee ➢ 0.50% of the loan amount exclusive of GST 2) MAHA BANK TOP UP LOAN SCHEME FOR OTHER PURPOSE S.No Particulars Scheme guidelines 1. Purpose ➢ Top-up Loan Scheme for General purpose: For 2. Nature of existing Housing Loan borrower of our Bank. Facility ➢ General Purpose includes personal expenditure of 3. Eligibility varied needs like Children's Education, Marriage of 11 | P a g e Children, Medical treatment, buying a vehicle or hi- tech gadgets etc. ( Approved as per prevailing lending policy ) ➢ Term Loan ➢ Existing/Take over Housing loan borrowers (without deviation/ restructuring/rephasement) with minimum 18

S.No Particulars Retail Credit Department Scheme guidelines months standing (12 months in case of Take over Loans) where repayment commences w.e.f. next month of disbursement and in standard category. ➢ Existing/Take over Housing loan borrowers (without deviation/ restructuring/rephasement) with minimum 24 months standing including moratorium (maximum 18months) and in standard category. ➢ Old Housing Loan borrowers (Regular and Standard only) of our bank who have repaid and closed their existing housing loan, for maximum repayment tenure of 180 months. 4. Eligible ➢ Need based Finance, subject to maximum overall LTV should Quantum of Loan not be more than 75% based on valuation report older than 3 years. ➢ Overall LTV should be calculated based on outstanding balance plus undrawn portion if any in the existing housing loan account plus the proposed Top-up loan together into the account. ➢ Average annual appreciation in value should not exceed 15% of valuation considered at the time of sanction of base housing loan. 5. Repayment ➢ Maximum Repayment period of 180 months (subject to Age period at Loan Maturity should not exceed 75 Years). 6. Deduction ➢ Not to exceed 65% of Gross Income including Proposed EMI of the Loan. 7. Security ➢ Additional mortgage charge on existing house property mortgaged to the Bank 8. Processing Fee ➢ 0.50% of the loan amount exclusive of GST 12 | P a g e

Retail Credit Department Take over Guidelines for Home Loan Eligibility Criteria for loan takeover facility ➢ Borrowers who want to avail this loan takeover facility should meet the basic eligibility criteria for availing home loans as per above guidelines. ➢ The borrower must have paid interest and installments of the existing loan regularly as per the existing bank’s terms and minimum satisfactory repayment period for last 12 months is available. ➢ The borrower must have all valid and relevant documents evidencing the title to the house/flat. ➢ Minimum Cut off CIBIL score 700 ➢ ZLCC of ZM can consider CIBIL score of within the range 650 to 699 for Takeover Loans on case to case basis, on merits. ➢ Moratorium Period must have been completed with existing lender ➢ Satisfactory Repayment behaviour of the Borrower (NO EMI default in last 12 months) Note: Loan request for takeover of Housing Loan for Non-Salaried Self-Employed Professionals and Businessman can be sanctioned by CM and above branches subject to delegated sanctioning powers. In case of others it will be considered by ZLCC of ZM Tenor: • Home Loan – Maximum - 360 Months • TOP up Loan- Maximum 180 Months or Residual period of Existing Top up Loan. Maximum repayment period may be allowed up to the remaining (after deducting the enjoyed tenure with the existing bank) of the maximum permissible repayment period as prescribed under the “Maha Super Housing Loan scheme 1. Takeover of home loans from other Banks/FIs CPCs/Branches may entertain proposals of takeover of Home Loans outstanding with Scheduled Commercial Banks (SCBs) including Private and Foreign Banks/FIs/ Housing Finance Companies (HFCs) registered with National Housing Bank (NHB)/Borrower’s employers if they are Central/State Govt. or their undertakings or Public Sector Undertakings, subject to the following: a) Due diligence should be carried out on the borrower and the seller (e.g. builder). They should satisfy the eligibility criteria for availing Home Loan as per the extant instructions of the Bank. b) The borrower should have serviced interest and/or instalment of the existing loan regularly, as per the original terms of sanction. c) The borrower has valid documents evidencing the title to the house/flat 2. Permissible quantum of Finance for takeover will be lowest of the following 13 | P a g e

Retail Credit Department A) MPBF as per the LTV ratio stipulated by the Reserve Bank of India is as under: For ready to move/completed properties, LTV ratio will be calculated on realizable value as per the latest valuation report (If the Project is approved by our bank then valuation is not required, we can take Registered Value as value of Property. In case of Flats / Houses if the existing bank has taken valuation from our approved valuer then a link letter certifying the realizable value of the property from the same valuer is sufficient and valid to get the present realizable value of LTV purpose The existing Loan details to be verified by Credit Information Report (CIRs) and there should not be any overdue. B) Take over with sanction of Higher Loan Amount & extended Repayment period: At the time of the takeover, the sanctioning authority, based on the merits of the case and requirements/ eligibility of the borrower, may sanction an amount higher than the amount taken over from other bank/ financial institution for purposes of renovation/ extension/ furnishings. Similarly the sanctioning authority may also extend the repayment period beyond the period sanctioned by the other bank/ financial institution provided that at all times the criteria regarding maximum permissible finance and security margin under the Bank's scheme are not diluted. C) Takeover of Top-up Loans • Outstanding in the Top-Up Loan (for other purpose) already availed in earlier financial institutions should be taken only under our “Top-up Loan scheme” for other purpose only simultaneously with the Takeover of Home Loan, subject to a maximum permissible LTV Ratio of 75% and compliance to the norms stipulated under our Top- up Loan Scheme. • Takeover of Home Loans along with the Top-up Loans is permitted from the present lenders, subject to compliance of the undernoted stipulations: i) Both the Home Loan and Top-up Loan account should be regular and ‘Standard’ since inception or for the last two years, whichever is earlier, in the books of the present lenders. ii) The possession of the residential property should have been taken by the borrower and a valid mortgage should have been created in favor of the present lender. (Takeover of Top-up loan is not permitted for properties under construction). iii) Only the loan outstanding with the present lender should be taken over and no cash disbursement or reimbursement of the investment made by the borrower should be permitted under any circumstances. D) Procedure for Take over • The borrower should give to the branch a request letter for paying to his existing lending bank / financial institution the outstanding amount of his loan by debit to his loan account. The branch/CPC is required to receive the following documents to process the takeover loan proposal: ✓ copy of arrangement letter (Sanction Letter) 14 | P a g e

Retail Credit Department ✓ certificate issued by the existing Bank/HFC listing the details of Security documents deposited by the borrower ✓ Statement of account for the last twelve /Six months with outstanding Loan amount. • Foreclosure letter from existing lender will be obtained after execution of loan documents and before disbursement of loan. Also, the loan amount may be determined on the basis of current outstanding balance reflecting in the Home Loan Statement of account, plus interest chargeable till the expected date of closure of the account with the current lender. • The names of the borrowers/ directors /guarantors should not be appearing in the caution list / defaulters' list of RBI / ECGC / IBA /CIBIL/ Credit Information Companies. • Confidential Reports/NOC/Credit Report from the existing Bankers shall not be insisted upon at the time of sanction of credit facilities. However, Statement of a/c for minimum last 1 year and a certificate with the content that a/c is regular with no default and Asset classification is standard may be called from the existing banks. • Disbursal must be effected only subject to the above information being found satisfactory and completion of formalities as regards (a) obtaining Agreement to create Mortgage, (b) execution of Power of Attorney, (c) obtaining interim security and (d) execution of the required loan documents. • It is to be ensured that required formalities of security creation (consent letter & POA to mortgage be obtained from the borrower to mortgage) including documentation are completed before releasing the facilities/advance. Authorized officer must ensure that charge will be created with CERSAI immediately after disbursement and it should be compliance with SARFAESI Act. • As far as possible in case of takeover of accounts no deviations from the takeover norms for Retail Loans and / or Lending Policy guidelines may be permitted. • In all such cases, the original title deeds should be obtained directly from the transferor Bank/FI within the shortest possible time and the Equitable Mortgage formalities should be completed within 30 days of disbursement of the loan. • On receipt of the title deeds, etc., the bank must apprise to the borrower, in writing, the details of the documents/ securities received from the other bank/ financial institution in order to avoid any legal complication later on in case some of the documents/ securities are not received from borrower's earlier financer. • Advocate report be taken in Bank’s format. After getting original Title deed with chain deed/s from the present Bank, the same should be verified with certified copies through Advocate in panel / Law officer. 15 | P a g e

Retail Credit Department Loan against Property Individual Scheme Features Loan up to Rs 1000 lakh. Finance upto 60% of Property value. Interest on daily reducing balance. S.No Particulars Scheme guidelines 1. Purpose ➢ For meeting various personal needs like Children's Education, Marriage of Children, Medical treatment, Travel/ Tour expenses, buying vehicle or hi-tech gadgets, other domestic needs etc. ( Approved as per prevailing lending policy ) 2. Nature of Facility ➢ Term loan/ OD Facility 3. Eligibility ➢ Permanent Employees of Central/ State Govt. /Public Sector Undertakings (PSUs) (including Schools/ Colleges/ Educational Institutions), and Individual Businessmen, professionals and Self-employed individuals who own residential property/ commercial property /or building in his/her own name which are unencumbered and under self-occupation. 4. Minimum Annual ➢ Salaried - Last 2 years Gross Average income – Rs.5.00 Income Lakh (Minimum past 2 year ITR/Form 16 is Mandatory). ➢ Self Employed Professionals - Last 2 years Gross Average income – Rs.5.00 Lakh (Minimum past 2 year ITR is Mandatory). ➢ For Others - Last 3 years Gross Average income – Rs.5.00 Lakh (Minimum past 3 year ITR is Mandatory) 5. Maximum Based on repaying capacity and subject to the ceilings Quantum Finance of given below. 6. Margin Rs. in crore Min. 0.05 Max. Properties located at Metros 10.00 Properties located at other centres 5.00 ➢ For Loans up to Rs.1.00 Cr: 40% of the Realizable value of the property 7. Repayment ➢ For Loans above Rs.1.00 Cr: period 50% of the Realizable value of the property ➢ Maximum Repayment period of 10 years or on borrower reaching the age of 75 years whichever is earlier. 16 | P a g e

Retail Credit Department S.No Particulars Scheme guidelines 8. Deduction ➢ Not to Exceed 60% of the Gross Income including 9. Security Proposed EMI / Notional Interest. 10. Processing Fee ➢ Mortgage of the Property ➢ 1 % of the loan amount + GST DOCUMENTS CHECK LIST (Housing /Top Up /LAP) Please Check YES No Particulars 1. Application form duly complete and signed 2. Two passport size photographs 3. Proof of Identification : (any one) • Election ID Card • Pan Card • Aadhar Card • Driving License • Photo Identity card issued by the current Employer • Passport 4. Proof of Residence: (any one) • Electricity Bill • Election ID Card • Telephone Bill (Landline) • Aadhar Card • Driving License • Photo Identity card issued by the current Employer • Passport 5. For Salaried Persons • Original / Certified copy of the latest salary slips for the past 3 months • Copies of IT returns of last 2 years duly acknowledged by IT Dept./IT assessment orders or Form 16 for last 2 years from the Employer • Undertaking from the employer for remittance of monthly installment, where ever feasible • Bank Account (Salaried Account) Statement for the last 6 months (in case of other Bank) 6. For Non-Salaried Class/ Businessman/ Professional 17 | P a g e

Retail Credit Department • Latest 3 years Income Tax Returns (2 years in case of Professionals) including Computation of Income, Profit and Loss Account, Balance Sheet, Audit Report etc. • Shop Establishment Act • Tax Registration Copy • Company Registration License • Bank Statement for past one year 7. Guarantor forms along with net worth proof /income proof (if applicable) • Guarantor's IT Return along with KYC Documents as mentioned in point No 3 & 4 8. In case of Takeover (Refinance): • Loan outstanding statement as on date • Loan account Statement for last 12 months • Documents Acknowledgement Receipt from Bank 9. Property Documents: • Receipts for payment made for purchase of the residential unit • Copy of approved drawings of proposed construction/ purchase • Permission from competent authority for construction of flat/house • Permission from competent authority under Urban Land Ceiling & Regulation Act 1976 • Agreement for Sale/ Sale Deed/ Detailed Cost estimate from Regd. Architect/Engineer for the Property to be constructed. • Allotment letter from the Builder/ Co-Operative Society/Development authorities/ Association of apartment owners etc. 10.Other Documents depending upon: • Property to be purchased directly from Builder( Ready/ Under Construction) • Property Belonging to a Registered Co-Operative Housing Society • Purchase in resale • Direct Sale by any Development Authority • Construction of house on a separate plot of land 11. ADDITIONAL DOCUMENTS FOR NRIs • Copy of the employment Contract (if the contract is in any language other than English, the same has to be translated into English and attested by Employer/ Indian Embassy) • Copy of the Identity Card issued by the current Employer • Continuous Discharge Certificate, if applicable • Copy of latest work permit • Copy of the Visa Stamped on the passport • NRE Bank account passbook or statement of account • Overseas Bank Account Statement for the last 6 months in which salary is credited 18 | P a g e

Retail Credit Department • A Salary certificate/income statement duly attested by our foreign office including subsidiary office/ certified by the competent authority available in the country may be produced. This may also include Chartered / Certified Accountants, Officials of Inland Revenue dept. (similar to Income Tax Authorities in India) or any other agency specified for the purpose. Where ever attestation is not possible, this may be submitted duly notarized. 12. ADDITIONAL DOCUMENTS FOR PIOs • A photocopy of the PIO Card or any of the under noted documents:- • Current Passport indicating birth place in India/ Abroad • Indian Passport, if held earlier • Parents or grandparents passport with details there in substantiating his claim of being PIO 19 | P a g e

Retail Credit Department MAHA BANK LEASE RENTAL SCHEME FOR LANDLORDS S.No Particulars Scheme guidelines 1. Purpose ➢ Loan to Owners for meeting personal needs like children’s education, marriage of children, Medical Treatment, Travel/tour expenses, other domestics needs etc. 2. Eligible Applicant ➢ Individuals in the age group of 18 - 65 years who owns 3. Nature of Facility Commercial/ residential property in Metro, Urban, Semi- urban & Rural areas and have rented out the properties to our Branches and having registered lease deed. ➢ Term Loan 4. Maximum Min Properties located at Metros Rs.5.00 Lakhs Quantum of Rs.5.00 Cr. Finance Properties located at other Rs.2.00 Cr. Max centres 5. Margin ➢ Minimum up to 15% Net Rent 6. Eligible Loan A. 85 % of the net rent receivables for the unexpired lease Amount period less applicable TDS and Advance Rent ,other applicable Tax if any B. Maximum Loan Ceiling Lowest of A & B will be the Quantum of Loan. 7. Age of Maximum Quantum of Loan is subject to ensuring that the property net rentals income are sufficient to meet the proposed EMI. 8. Repayment period the ➢ Property should not be more than 30 years old (construction) ➢ Maximum Repayment period of 10 years by way of EMI or unexpired Lease period or on borrower reaching the age of 75 years whichever is earlier. 9. Security ➢ Mortgage of the proposed property under registered 10. Processing Fee lease as collateral security with 100% coverage of our loan amount. ➢ 0.50% of loan amount exclusive of GST 20 | P a g e

Retail Credit Department Maha Super Car Loan Scheme Features 0.25 % Concession in ROI for Corporate salary account Holder and Existing Housing Loan borrower Maximum Funding up to 90%. Interest charged on daily reducing Balance. S.No Particulars Scheme guidelines 1. Purpose ➢ Purchase of New four Wheeler i.e. Car, Jeep, Multi Utility 2. Nature of Vehicles (MUVs), SUV etc. for personal use. (i.e. not for Facility hiring/ferrying passengers) for individuals (18 years and above)/ Companies and Corporate entities 3. Eligibility ➢ Term Loan 4. Eligible Quantum of ➢ Individual salaried employees/ self-employed Loan professionals/Businessman / Agriculturist / 5. Minimum ➢ Companies and Corporate entities. Annual Income ➢ Up to 36 times of Net Monthly Salary/Pension on the basis of Last Salary/Pension Drawn, subject to ‘Deduction Norms’ 1) For Salaried / Pensioners: Rs. 3.00 lakh (last year income) – Minimum past 2 year ITR/Form 16 from the Employer is Mandatory. 2) For Self Employed Professionals: Rs.4.00 lakh (last year income) – Minimum past 2 year ITR with supporting documents are mandatory. 3) For Businessmen: Rs.4.00 lakh (last year income) - Minimum past 3 year ITR with supporting documents are mandatory. 4) For Persons engaged in Agriculture & Allied activities having Minimum annual income of Rs.4.00 lakh. 5) For Corporate Clients (Firms/ Companies): Rs. 4.00 lakh (last year income) - Minimum past 2 year ITR with supporting documents are mandatory. 6. Margin The income of Spouse/ Father/ Mother/ Son/ Daughter in-law can be considered as co-applicant for deciding the quantum of loan and repayment. ➢ For Existing/New Housing Loan Borrowers and Corporate Salary account holders- Minimum 10% of Cost of Vehicle (i.e. Ex show room price + RTO charges + insurance charges) 21 | P a g e

Retail Credit Department S.No Particulars Scheme guidelines 7. Repayment ➢ For Others - Minimum 15% of Cost of Vehicle (i.e. Ex show period room price + RTO charges + insurance charges) 8. Deduction ➢ For Corporate Clients (Firms/Companies)- Minimum 20% of Cost of the Vehicle (i.e. Ex show room price + RTO 9. Security charges + insurance charges) ➢ Max. 84 Months Existing Maximum 70 % of Gross income Housing loan (including proposed EMI) borrower Others Maximum 65 % of the Gross Income (including proposed EMI) Primary Security Hypothecation of vehicle purchased. Collateral Security: ➢ For Loans above Rs.20.00 Lakhs -with tangible security of minimum 50% value of Loan amount in favor of Bank For Existing customers* ZLCC can consider loans upto Rs 50.00 Lakhs without any collateral. 10. Processing Fee *Existing customers here means having minimum 1 year satisfactory relationship with our Bank. ➢ 0.25 % of the loan amount (Subject to max. of Rs. 15,000/-) 22 | P a g e

Retail Credit Department MAHABANK VEHICLE LOAN SCHEME FOR PURCHASING TWO WHEELER S.No Particulars Scheme guidelines 1. Purpose ➢ For Purchasing Two Wheeler ➢ Purchase of CNG fuelled 2 wheelers & CNG kit exclusively 2. Nature of Facility ➢ Term Loan 3. Eligibility ➢ Permanent salaried employees of Central / State government/ Corporate Salary Account Holders / Employees of PSU & Companies of repute with minimum 2 years in employment and 1 year in the current organization having minimum standing of 1 year relationship with our Bank. Standalone loan to be discouraged. ➢ Businessman/Self-Employed Persons / Independent Entrepreneurs who have regular source of income based on 2 years IT Returns. The above provisions are applicable only for existing customers with 1 year standing. Others to be considered on perusal of 3 years IT returns 4. Minimum / Income proofs. ➢ For Salaried: Rs. 2.00 lakh (last year income) - Minimum past 2 Annual years ITR/Form 16 from the Employer is Mandatory, subject to Income sufficient disposal Income. ➢ For Other Individuals: Rs.2.50 lakh (last year income) – Minimum past 2 years ITR with supporting documents are mandatory, 5. Eligible Subject to sufficient disposal Income. ➢ For Salaried persons: Up to 20 times of Net Monthly Salary on the Quantum of basis of Last Salary Drawn, subject to ‘Deduction Norms’ Loan ➢ For Other individuals: Up to 2 times Average annual income based on 2 years ITRs or 2 times of Gross Taxable income as per latest ITR(whichever is lower), subject to ‘Deduction Norms’ (Total income would mean Cash Accruals). Subject to Maximum ceilings as follows: ➢ 2 wheelers – Rs 5.00 Lakh. ➢ CNG fuelled 2 wheelers – Rs 2.00 Lakh. ➢ Maximum loan amount for CNG Kit : Rs 12000/- , Subject to deduction norms ( In case considered separately for financing) 6. Margin ➢ For 2 Wheeler - Minimum 15% of the cost of the vehicle. ➢ For CNG kit – Minimum 15 % of the cost of the kit or maximum loan amount Rs 12000 /- 23 | P a g e

Retail Credit Department S.No Particulars Scheme guidelines 7. Repayment ➢ Maximum 60 months period 8. Deduction ➢ Not to exceed 60 % of Gross Income including proposed EMI 9. Security ➢ Hypothecation of vehicle purchased. ➢ Hypothecation of CNG kit purchased along with the vehicle. 10. Processing ➢ 0.25% of the Loan Amount (Min.:Rs.500/-) Fee FOR PURCHASING SECOND HAND CAR S.No Particulars Scheme guidelines 1. Purpose 2. Nature of ➢ For Purchasing Second hand four wheelers not older Facility than 3 years. 3. Eligibility ➢ Term Loan 4. Minimum Annual Income ➢ Permanent salaried employees of Central / State government/ Corporate Salary Account Holders / Employees of PSU & Companies of repute with minimum 2 years in employment and 1 year in the current organization having minimum standing of 1 year relationship with our Bank. Standalone loan to be discouraged. ➢ Businessman/Self-Employed Persons / Independent Entrepreneurs who have regular source of income based on 2 years IT Returns. ➢ Farmers having minimum 5 acres of land holding engaged in production oriented agricultural activities and in other allied activities minimum land holding of 5 Acres of irrigated land and sufficient disposable income. The above provisions are applicable only for existing customers with 1 year standing. Others to be considered on perusal of 3 years IT returns / Income proofs. ➢ For Salaried: Rs. 3.00 lakh (last year income) - Minimum past 2 years ITR/Form 16 from the Employer is Mandatory. ➢ For Businessmen/Professionals: Rs.3.00 lakh (last year income) – Minimum past 2 years ITR with supporting documents are mandatory. ➢ For Persons engaged in Agriculture & Allied activities having ascertainable minimum income of Rs.3.00 lakh. 24 | P a g e

Retail Credit Department S.No Particulars Scheme guidelines 5. Eligible Quantum ➢ For Salaried persons: Up to 20 times of Net Monthly Salary Loan of on the basis of Last Salary Drawn, subject to ‘Deduction 6. Margin Norms’ 7. Repayment ➢ For Other individuals: Up to 2 times Average annual period income based on 2 years ITRs or 2 times of Gross Taxable 8. Deduction income as per latest ITR(whichever is lower), subject to ‘Deduction Norms’ (Total income would mean Cash Accruals). Subject to Maximum ceiling as follows: • Second Hand 4 wheelers – Rs 5.00 Lakh. ➢ Minimum 50% of the value of the second hand car as per the valuation report of the Insurance valuer ➢ Maximum 60 months ➢ Not to exceed 60 % of Gross Income including proposed EMI 9. Security ➢ Hypothecation of vehicle purchased 10. Processing Fee ➢ 0.25% of the Loan Amount (Min.:Rs.500/-) 25 | P a g e

Retail Credit Department DOCUMENT CHECKLIST-VEHCILE LOAN 26 | P a g e

Retail Credit Department Checklist for Car Loan/ Vehicle Loan KYC Documents • Photo Identity Proof • Residence Address Proof • Any One from the following; • Any One from the following; ➢ Passport ✓ Passport ➢ Pan Card ✓ Ration Card ➢ Voters ID Card ✓ Utility Bill: Electricity Bill/ Land Line Bill ➢ Driving License ➢ Aadhar Card Professionals Business Class Salaried/ Pensioner Class • 1. Latest 3 months’ Salar•y 1. Latest 2 years Incom2e. 1. Latest 3 years Income Tax Slips Tax Returns including Returns including Computation Computation of Income, of Income, Profit and Loss • 2. Form 16/ ITR for Two Profit and Loss Account, Account, Balance Sheet, Audit Years. Balance Sheet, Audit Report, etc. • Report, etc., 3. 1. 3. Proof of confirme•d a. 2. Shop Establishment Act. employee with minimum 1. 2. Shop Establishment b. year service Act. c. 3. Any Tax Registration Copy. 2. 2. d. 3. 4. Current Employmen3t. 3. Any Tax Registration e. 4. Company Registration Certificate. Copy. license. 4. 4. 4. 5. (In case of Pensione5r. 4. Company Registration5. Bank Statement: Latest 1 year minimum pension per license. bank statement both current and month should be Rs. 5. Professional Degree savings. 25000/-) Certificate. 6. Bank Statement: Latest 16. Bank Statement: Latest 1 months statement where year bank statement both your salary is getting current and savings. credited. • Additional Documents • Down Payment Dealer Receipt • Car Quotation. • 2 passport size colour photograph 27 | P a g e

Retail Credit Department Model Education Loan Scheme S.No Particulars Scheme guidelines 1. Student Eligibility ➢ Should have secured admission to higher education 2. Courses course in recognized institution in India or Abroad through Entrance Test/ Merit Based Selection process after completion of HSC (10+2 or equivalent). ➢ Studies in India: Graduation courses/Colleges under Universities approved by UGC. Other courses leading to diploma / degree etc. conducted by colleges / universities approved by UGC / Govt. / AICTE / AIBMS / ICMR etc. 3. Quantum of Loan ➢ Studies Abroad : Job oriented Prof./Technical / PG courses/ Post Graduation: - MCA, MBA, MS etc ➢ Need based finance to meet the Education expenses. ➢ The sanctioning authority (as per the delegation of lending powers) is empowered to decide and sanction the quantum of finance/loan on merit basis for courses depending on cost of education, security available and future employability. 4. Expenses to be ➢ Fees payable to college / hostel, examination, library & considered laboratory fees, travel expenses/passage money (abroad studies) Insurance premium for student, caution deposit, Building fund/refundable deposit supported by institution bills/receipts purchase of books/equipment’s/ instruments/ uniforms, purchase of computers / study tours / project work / thesis. 5. Margin Up to 4 NIL lakhs Above 4 5% for studies in lakhs India 15% for studies 6. Repayment abroad ➢ Course Period wherein admission taken by loan+ 1 Year Holiday / Moratorium Period 7. Repayment period ➢ Up to 15 years after moratorium 8. Security Upto 7.50 Lacs - Clean. Parents / Guardian to be joint borrowers. All Eligible Education loans should be covered under Guarantee Fund Scheme for Education Loan (CGFSEL). 28 | P a g e

Retail Credit Department S.No Particulars Scheme guidelines Above 7.50 Lacs - Parents to join as co-borrower, tangible collateral security acceptable to bank along with assignment of future income of student for payments of instalments 9. Processing Fee For India – NIL For Abroad - 0.50% upfront, but to be reversed on student taking up course and availing loan 10. Concession in ➢ 1% interest concession if interest is serviced regularly Rate of Interest during moratorium/study period (concession is for moratorium period only) ➢ 0.50 % concession to Girl students. ➢ 0.50 % concession for wards of Housing Loan borrowers, who have successfully completed a satisfactory repayment period of 3 years (36 EMIs) or customers who have availed housing loan from our Bank in past and repaid entire loan in time satisfactorily. ➢ Risk based pricing: Bank also extends concessions to meritorious students based on their previous academic performance and reward them by providing concessional rate of interest on education loan availed. The concessions in ROI based on risk rating are as under: % of marks obtained Rating Concession in at all level applicable ROI (Average)* 90 and above AAA 0.25 % 80 – 89 AA 0.15 % 75 – 79 A 0.10 % 60 – 74 B Nil Below 60 C Nil * Average of marks obtained in previous academic performance such as (10th, 12th, Diploma, Degree etc.) Please note that maximum permissible concession/discount available in ROI inclusive of all above schemes is restricted to 0.50 % only. Wherever the concessions are allowed under the Education Loans, minimum applicable ROI should be RLLR as floor rate. All Education Loans application should be applied through Vidya Laxmi Portal. VLP-Online Education (www.vidyalakshmi.com) 29 | P a g e

Retail Credit Department MAHA SCHOLAR EDUCATION LOAN SCHEME S.No Particulars Scheme guidelines 1. Purpose ➢ To provide financial assistance/ support to meritorious student for pursuing higher studies /education in courses conducted by the Premier Educational Institutions in India as a differentiated products as an offerings for the premier institutions and to tap the available opportunities under the segment and focus on tie up with premier institutions to have continuous flow of business in the retail portfolio. 2. Student Student Eligibility Eligibility ➢ Should be an Indian national. ➢ Secured admission in Regular full time Degree /Diploma courses of Premium Institutes covered as per category A, B&C 3. Quantum of Loan Maximum Loan Amount ➢ For category A - Rs. 30 lakhs. ( For ISB student Rs 35.00 Lakh) ➢ For category B- Rs. 25 lakhs. ➢ For category C- Rs. 20 lakhs. ➢ Tangible collateral of full value and Parent/Spouse/ Guardian as co-borrower for the below loan amount 4. Courses eligible ➢ Regular full-time Degree/ Diploma courses offered by Premier Institutes eligible under the scheme, admission in which is obtained through an Entrance Test/Selection Process as prescribed by the Institute would be allowed. 5. Age Limit ➢ Maximum Age limit for General - 38 years ➢ Maximum Age limit for SC/ST - 40 years 6. Expense covered • Fee payable to college / school / Institute / University/Hostel* • Examination / Library / Laboratory fee • Purchase of Books / Instruments / Equipments / Uniforms • Personal Computer / Laptop wherever required at reasonable cost • Caution Deposit, Building Fund / Refundable deposit (supported by Institutional Bills / Receipts), subject to condition that the amount does not exceed 10% of the total tuition fees for the entire course. • Insurance premium for student borrower 7. Margin ➢ Education Loan to Students of Premier Institutions A- NIL ➢ 5 % for Institutions specified in List B &C. 8. Insurance ➢ All proposed borrower will be covered under “Group / Life Insurance Cover Scheme” upto the O/s Loan amount to 30 | P a g e

Retail Credit Department S.No Particulars Scheme guidelines 9. Repayment mitigate the risk in case of Accidental/ Natural or Permissible period death under the policy with the clause to settle the Bank’s dues first ➢ Repayment holiday / Moratorium - Course period + 1 year (Uniform 1 year moratorium for repayment after completion of studies in all cases) ➢ Repayment Period- 180 months (excluding moratorium) 10. Security No security is required and only parent/spouse/guardian as 11. Processing Fee co-borrower for the loan up to below limit  List A - Rs 30.00 Lakh  List B - Rs 20.00 lakh  List C - Rs 15.00 lakh. NIL 12. Concession in ➢ 0.10% Concession to Girl Student Rate of Interest List of Premier institutions Sr List of Institutes State Course No. Name LIST -A Andhra Category Pradesh City Punjab Management Karnataka Management 1 Indian School of Business (ISB) Hyderabad Management 2 Indian School of Business (ISB) Mohali Gujarat Management 3 Indian Institute of Management Bangalore Bengaluru West Bengal Management 4 Indian Institute of Management Ahmedabad Ahmedabad 5 Indian Institute of Management Calcutta Kolkata 6 Indian Institute of Management Lucknow Lucknow Uttar Pradesh Management Madhya 7 Indian Institute of Management Indore Indore Pradesh Management 8 Xavier Labour Relations Institute Jamshedpur Jharkhand Management 9 Indian Institute of Management Kozhikode Kozhikode Kerala Management 10 Management Development Institute Gurugram Haryana Management 11 Indian Institute of Management Udaipur Udaipur Rajasthan Management Indian Institute of Management Tiruchirappalli Tamil Nadu Management 12 Tiruchirappalli Mumbai Maharashtra Management S. P. Jain Institute of Management & Raipur Chhattisgarh Management 13 Research 14 Indian Institute of Management Raipur Mumbai Maharashtra Management SVKM`s Narsee Monjee Institute of Pune Maharashtra Management 15 Management Studies Symbiosis Institute of Business 16 Management 31 | P a g e

Retail Credit Department Sr List of Institutes State Course No. Name LIST -A Tamil Nadu Category Delhi Engg & City Management Maharashtra 17 Indian Institute of Technology Madras Chennai West Bengal Engg & Uttar Pradesh Management 18 Indian Institute of Technology Delhi New Delhi Uttarakhand Engg Assam ,Management 19 Indian Institute of Technology Bombay Mumbai & Law 20 Indian Institute of Technology Kharagpur Kharagpur Engg & Management 21 Indian Institute of Technology Kanpur Kanpur Engg & 22 Indian Institute of Technology Roorkee Roorkee Management 23 Indian Institute of Technology Guwahati Guwahati Engg & Management Engg 24 Indian Institute of Technology Hyderabad Hyderabad Telangana Engg National Institute of Technology Engg & Tiruchirappalli Tamil Nadu Management 25 Tiruchirappalli All Centers All Centers Medical 26 All India Institute of Medical Sciences Chandigarh Chandigarh Medical Post Graduate Institute of Medical Vellore Tamil Nadu Medical 27 Education and Research 28 Christian Medical College Lucknow Uttar Pradesh Medical Sanjay Gandhi Postgraduate Institute of Kochi Kerala Medical 29 Medical Sciences Varanasi Uttar Pradesh Medical Manipal Karnataka Medical Amrita Institute of Medical Sciences & 30 Research Puducherry Pondicherry Medical 31 Banaras Hindu University New Delhi Delhi Medical 32 Kasturba Medical College Lucknow Uttar Pradesh Medical Bengaluru Karnataka LAW Jawaharlal Institute of Post Graduate New Delhi Delhi LAW 33 Medical Education & Research Hyderabad Telangana LAW 34 Institute of Liver and Biliary Sciences 35 King George`s Medical University 36 National Law School of India University 37 National Law University 38 Nalsar University of Law LIST B Sr Name City State Course No. Indian Institute of Management Rohtak Rohtak Haryana Category Indian Institute of Management Shillong Shillong Meghalaya Management 1 Kashipur Uttarakhand Management Nagpur Maharashtra 2 Management Delhi Management 3 Indian Institute of Management Kashipur 4 Indian Institute of Management Nagpur Management 5 International Management Institute New Delhi New Delhi 32 | P a g e

Retail Credit Department LIST B Sr City State Course No. Name Visakhapatna Category m Hyderabad 6 Indian Institute of Management Visakhapatnam Kolkata Management 7 Indian Institute of Management Bodhgaya Bodhgaya Management Chandigarh 8 Indian Institute of Management Amritsar Amritsar Kolkata Management 9 Indian Institute of Management Sambalpur Sambalpur Chandigarh Management 10 Indian Institute of Management Sirmaur Sirmaur Chandigarh Management 11 Indian Institute of Management Jammu Jammu Jharkhand Management 12 Indian Institute of Management Ranchi Ranchi Management 13 National Institute of Industrial Engineering Mumbai Maharashtra Management & Engg 14 Kalinga Institute of Industrial Technology Bhubaneswar Odisha Management , 15 Indian Institute of Foreign Trade New Delhi Delhi Engg, Medical & 16 T. A. Pai Management Institute Manipal Karnataka Law 17 Faculty of Management Studies Delhi Delhi Management 18 Loyola Institute of Business Administration Management Chennai Tamil Nadu Management 19 PSG College of Technology Management 20 Fore School of Management Coimbatore Tamil Nadu Management & 21 Nirma University New Delhi Delhi Engg Ahmedabad Ahmedabad Management 22 Institute of Management Technology Management 23 Xavier University Ghaziabad , Uttar Pradesh, 24 International Management Institute Kolkata Hyderabad & Telangana & Management Nagpur Maharashtra Management Bhubaneswar Odisha Management Kolkata West Bengal Management & Engg 25 Vellore Institute of Technology Vellore Tamil Nadu Management Institute for Financial Management and Chenneai Tamil Nadu & Management 26 Research ,Satyavedu Andhra Pradesh Management 27 Goa Institute of Management Management 28 Institute of Rural Management Sanquelim Goa 29 Bharathidasan Institute of Management Management Anand Gujarat K. J. Somaiya Institute of Management Studies Management 30 & Research Tiruchirappalli Tamil Nadu Management Mumbai Maharashtra 31 University of Petroleum and Energy Studies Dehradun Uttarakhand 32 Birla Institute of Management Technology Greater Noida Uttar Pradesh 33 | P a g e

Retail Credit Department Sr LIST B State Course No. Name City Category Koneru Lakshmaiah Education Foundation Vaddeswaram Andhra Pradesh Management 33 University (K L College of Engineering) Management 34 Indian Institute of Forest Management Bhopal Madhya Pradesh 35 Guru Gobind Singh Indraprastha University New Delhi Delhi Management 36 International Management Institute Bhubaneswar Odisha Management 37 SRM Institute of Science and Technology Chennai Tamil Nadu Management , Engg & Medical 38 Lal Bahadur Shastri Institute of Management Delhi Delhi Management 39 Mudra Institute of Communication (MICA) Ahmedabad Ahmedabad Management 40 National Institute of Design Ahmedabad Ahmedabad Management Symbiosis Centre for Manahgement and Human Pune City Management Mumbai Management 41 Resource Development Pune Chennai Management 42 Tata Institute of Social Sciences (TISS) Mumbai Uttar Pradesh Engg Institute of Financial Management and Chennai Maharashtra Engg 43 Research (IFMR) Madhya Pradesh Engg Engg & Indian Institute of Technology (Banaras Hindu Varanasi Jharkhand Management 44 University) Varanasi Mumbai Indore 45 Institute of Chemical Technology 46 Indian Institute of Technology Indore Indian Institute of Technology (Indian School of 47 Mines) Dhanbad Dhanbad 48 National Institute of Technology Rourkela Rourkela Odisha Engg 49 Indian Institute of Technology Bhubaneswar Bhubaneswar Odisha Engg Indian Institute of Engineering Science and Shibpur West Bengal Engg 50 Technology Mandi Himachal Pradesh Engg 51 Indian Institute of Technology Mandi 52 National Institute of Technology Karnataka Surathkal Karnataka Engg 53 Indian Institute of Technology Patna Patna Bihar Engg Thapar Institute of Engineering and Technology Punjab Engg Gujarat Engg 54 (Deemed-to-be-university) Patiala 55 Indian Institute of Technology Gandhinagar Gandhinagar 34 | P a g e

Retail Credit Department LIST B Sr Name City State Course No. Birla Institute of Technology & Science Pilani Rajasthan Category Engg 56 Engg Engg 57 National Institute of Technology Warangal Warangal Telangana Engg 58 National Institute of Technology Calicut Kozhikode Kerala 59 Indian Institute of Technology Ropar Rupnagar Punjab Engg Indian Institute of Space Science and Thiruvanantha Engg 60 Technology Engg puram Kerala ,Arhitechture & Management 61 Visvesvaraya National Institute of Technology Nagpur Maharashtra Engg 62 Birla Institute of Technology Ranchi Jharkhand Engg & 63 Delhi Technological University New Delhi Delhi Management Gautam Budh 64 Amity University Nagar Uttar Pradesh Engg International Institute of Information Technology Hyderabad Telangana 65 Hyderabad 66 National Institute of Technology Kurukshetra Kurukshetra Haryana Engg 67 Motilal Nehru National Institute of Technology Allahabad Uttar Pradesh Engg 68 Manipal Institute of Technology Manipal Karnataka Engg 69 Jawaharlal Nehru Technological University Hyderabad Telangana Engg 70 National Institute of Technology Durgapur Durgapur West Bengal Engg 71 College of Engineering Pune Maharashtra Engg 72 Indian Institute of Technology Jodhpur Jodhpur Rajasthan Engg 73 College of Engineering Thiruvanantha Arhitecture 74 School of Planning and Architecture Bhopal puram Kerala Bhopal , New Madhya Pradesh , Arhitecture Delhi , Delhi , Andhra Vijayawada Pradesh 75 National Institute of Technology Tiruchirappalli Tiruchirappalli Tamil Nadu Arhitecture 76 College of Engineering Visakhapatnam Visakhapatna Andhra Pradesh Arhitecture m 77 Maulana Azad National Institute of Technology Bhopal Madhya Pradesh Arhitecture 78 BMS College of Architecture Bengaluru Karnataka Arhitecture 35 | P a g e

Retail Credit Department LIST B Sr City State Course No. Name Category Tamil Nadu Sri Ramachandra Institute of Higher Education Chennai Karnataka Medical 79 and Research Bangalore Medical 80 St. John's Medical College 81 Aligarh Muslim University Aligarh Uttar Pradesh Medical & Engg 82 Maulana Azad Medical College Delhi Delhi Medical 83 Jamia Hamdard New Delhi Delhi Medical 84 Kasturba Medical College Mengaluru Karnataka Medical 85 JSS Medical College Mysore Karnataka Medical 86 Christian Medical College Ludhiana Punjab Medical Vardhman Mahavir Medical College & New Delhi Delhi Medical 87 Safdarjung Hospital Pune Maharashtra Medical 88 Dr. D. Y. Patil Vidyapeeth Bhubaneswar Odisha Medical 89 Siksha `O` Anusandhan Delhi Delhi Medical 90 University College of Medical Sciences Ludhiana Punjab Medical 91 Dayanand Medical College Chennai Tamil Nadu Medical Saveetha Institute of Medical and Technical Annamalainag 92 Sciences ar Tamil Nadu Medical Karnataka Medical 93 Annamalai University Bengaluru Manipur Medical 94 M. S. Ramaiah Medical College 95 Regional Institute of Medical Sciences Imphal West 96 Sri Venkateswara Institute of Medical Sciences Tirupati Andhra Pradesh Medical As per All Central and State Government Medical Location Zones jurisdiction. Medical 97 Colleges Kolkata West Bengal LAW The West Bengal National University of Jodhpur Rajasthan LAW 98 Juridicial Sciences Pune Maharashtra LAW 99 National Law University LAW & Mass 100 Symbiosis Law School Delhi Communication Gujarat LAW 101 Jamia Millia Islamia New Delhi 102 Gujarat National Law University Gandhinagar 103 The Rajiv Gandhi National University of Law Patiala Punjab LAW 104 National Law Institute University Bhopal Madhya Pradesh LAW 105 Indian Law Institute New Delhi Delhi LAW 36 | P a g e

Retail Credit Department LIST B Sr City State Course No. Name Category Lucknow Uttar Pradesh Dr. Ram Manohar Lohiya National Law Visakhapatna LAW 106 University m Andhra Pradesh Bangalore Bengaluru LAW 107 Dr. B. R. Ambedkar College of Law All courses 108 Indian Institute of Science (IISC) List – C Sr No Course Category . Name City State Sydenham Institute of Management Studies and research and entreprenuership Education 1 (SIMREE) Mumbai Mumbai Management 2 Symbiosis Center for Informational Technology Pune Pune Management 3 Symbiosis Institute of Management studies Pune Pune Management 4 Symbiosis Institute of International Management Pune Pune Management 5 Symbiosis Institute of Media & Communication Pune Pune Management 6 Symbiosis Institute of Operation Management Nasik Nasik Management 7 Symbiosis Institute of Telecom Management Pune Pune Management Xavier Institute of Management Bengaluru Bengaluru Management 8 Entrepreneurship (XIME) Ranchi Kolkata Management 9 Xavier Institute of Social Service (XISS) Silchar Assam Engg 10 National Institute of Technology Silchar Jaipur Rajasthan Engg 11 Malviya National Institute of Technology 12 Indraprastha Institute of Information Technology New Delhi Delhi Engg Tamil Nadu Engg 13 Thiagarajar College of Engineering Madurai 14 Defence Institute of Advanced Technology Pune Maharashtra Engg Sardar Vallabhbhai National Institute of Engg Surat Gujarat Engg 15 Technology Visakhapatna Andhra Engg m Pradesh Engg 16 College of Engineering Visakhapatnam Himachal Engg Hamirpur Pradesh Engg 17 National Institute of Technology Hamirpur Madhya Bhopal Pradesh 18 Maulana Azad National Institute of Technology Bengaluru Karnataka 19 M. S. Ramaiah Institute of Technology Bengaluru Karnataka International Institute of Information Technology 20 Bangalore 21 National Institute of Technology Meghalaya Shillong Meghalaya Engg 22 Coimbatore Institute of Technology Coimbatore Tamil Nadu Engg 37 | P a g e

Retail Credit Department List – C Sr No Course Category . Name City State Engg Karnataka Engg 23 B. M. S. College of Engineering Bengaluru Tripura Engg 24 National Institute of Technology Agartala Agratala Kerala Thiruvananth 25 College of Engineering apuram 26 Guru Gobind Singh Indraprastha University New Delhi Delhi Engg 27 National Institute of Technology Raipur Raipur Chhattisgarh Engg 28 Pondicherry Engineering College Puducherry Pondicherry Engg 29 PEC University of Technology Chandigarh Chandigarh Engg Uttar 30 Jaypee Institute of Information Technology Noida Pradesh Engg Atal Bihari Vajpayee Indian Institute of Gwalior Madhya Engg 31 Information Technology and Management Pradesh Allahabad Uttar Engg Indian Institute of Information Technology Hyderabad Pradesh Engg 32 Allahabad Ponda Telangana Engg 33 University College of Engineering Coimbatore Goa Engg 34 National Institute of Technology Goa Pune Tamil Nadu Engg 35 Government College of Technology Maharashtra 36 Army Institute of Technology Dhirubhai Ambani Institute of Information and Gandhinagar Gujarat Engg 37 Communication Technology Engg & Maharashtra Medical 38 Bharati Vidyapeeth Deemed University College Pune Odisha Engg 39 C. V. Raman College of Engineering Bhubaneswar Chennai Engg Chandigarh Architecture Indian Institute of Information Technology, Kolkata Architecture 40 Design & Manufacturing Karchipuram 41 Chandigarh College Of Architecture Chandigarh Faculty Of Architecture, MIT (Manipal Institute of 42 technology) Manipal 43 JNAFAU School Of Planning & Architecture Hyderabad Hyderabad Architecture Delhi & all Courses All National Institute of Fashion Technology Delhi & other respective (NIFT) Cities jurisdiction of 44 Zones Indian Institute of Science Education and 45 Research (IISER) All centers All centers all Courses 38 | P a g e

Retail Credit Department Skill loan scheme Scheme guidelines S.No Particulars ➢ Skill Loan Scheme (herein after called as Skilling Loan) aims at providing a loan facility to individuals who intend to 1. Purpose take up skill development courses as per the Skilling Loan Eligibility Criteria. 2. Courses and ➢ Training Institutes/Courses: Courses run by Industrial Institution Training Institutes (ITIs), Polytechnics, training partners Eligibility affiliated to National Skill Development Corporation (NSDC)/ Sector Skill Councils, State Skill Mission, State Skill Corporation, preferably leading to a certificate/ diploma/ degree issued by such organization as per National Skill Qualification Framework (NSQF) are eligible for a Skill Loan. ➢ Schools recognized by Central or State Education Boards or Colleges affiliated to recognized university leading to a certificate/diploma/degree issued by such organization as per National Skill Qualification Framework (NSQF) is eligible for a Skill Loan. 3. Minimum ➢ There is no minimum course duration Qualification ➢ As required by the enrolling institution/ organization as per National Skill Qualification Framework (NSQF) 4. Quantum of Loan ➢ Minimum Loan Amount: Rs.5000 ➢ Maximum Loan Amount: Rs.1,50,000 5. Margin NIL 6. Repayment ➢ Loans up to Rs.50,000: Up to 3 years period ➢ Loans above Rs.50,000 and up to Rs.1 lakh: Up to 5 years ➢ Loans above Rs.1 lakh: Up to 7 years 7. Processing Fee Nil 39 | P a g e

Retail Credit Department DOCUMENT CHECKLIST- EDUCATION LOAN SCHEME Checklist for Education Loan KYC documents of Student, Applicant, Co Applicant and Guarantor 1. Photo ID (PAN Card/Passport/Driving License/Voter ID/Aadhar Card) 2. Address Proof (Passport/Driving License/Voter ID/Aadhar Card/Ration Card/Light Bill) Income Documents of parents/ Co- Applicants ➢ For Salaried persons 1. Last 2 years ITR (if Taxable Income) & Form 16 2. Latest 3 months salary slips 3. Last 6 months salary account statements ➢ Documents for Businessman / self employed 1. Last 2 years ITR 2. Last 2 years Audited balance sheets & Profit loss statements along with computation of income 3. Last 12 months business bank account statement 4. Tax Paid challan/26AS 5. Business proof - Proprietor - shop Act / Grampanchayat certificate ➢ For Agriculturist - Those who do not file income Tax returns, income certificate issued by Tahasildar, 8A & all 7/12 extract along with supporting income proofs. Tehasildar income certificate for interest subvention claim Other documents related to academics 1. 10th std mark sheet 2. 12th std mark sheet 3. Diploma/Degree mark sheets of all semesters 4. Requisite exam scorecard /proof of obtaining seat in merit based selection process (DTE/JEE scorecard studies in India, GRE/ TOEFL score card studying abroad or equivalent requisite exam score card) 5. Confirmation letter from institute with fee structure or I-20(studying abroad) 6. Receipts of fees paid already 7. Quotation of the laptop (fee structure of college to specifically mention the requirement for the course) 8. If student has taken gap during academic year affidavit for gap. 9. Declaration of source of margin money if applicable. 10. Declaration of job opportunities, expected salary after getting job. 11. Declaration for option of repayment of interest during moratorium period. 12. If plot/house/flat is offered as security - Latest search & valuation report & all property related documents as per housing loan checklist 13. If takeover loan from other bank/institution, sanction letter with statement of account. 40 | P a g e

Retail Credit Department MAHA BANK PERSONAL LOAN SCHEME Features Loan up to Rs 20 lakhs. Low interest rates. Interest on daily reducing balance. Rate of Interest linked to RLLR. Sr Particulars Scheme guidelines .No ➢ To cater to the requirements of meeting personal 1. Purpose of loan expenses. 2. Eligibility ➢ All confirmed employees Central / State Govt. / PSUs / Public or Private Ltd Companies / Reputed Corporates */ MNCs drawing salary from our Bank ➢ Self–employed professionals (Only Doctors (MBBS, MD, MS), CAs, Architects having own business) can also be given personal loan in case they are banking with us (with Credit facility) for the last one year. *For the employees of Pvt. / Public Ltd. Company, maintaining salary accounts with the Bank, Such companies should have external rating (in force) of A and above Salaried customers, not having salary account with our Bank, are to be considered for Personal loan subject to Employer undertaking for deduction of loan instalment from salary. 3. Min Annual Income ZLCC of ZM is empowered for sanction of personal loan to Self- employed professionals and salaried customers not having salary account with us. ➢ Minimum annual Income – 3.00 Lakhs. 4. Maximum Quantum ➢ Maximum Rs 20.00 Lakhs. of Finance ➢ Loan amount is 20 times of Gross Monthly Income or as per Maximum Quantum of Finance whichever is lower 5. Margin Nil 6. Repayment period ➢ For Salaried – 84 months ➢ For Others - 60 months 41 | P a g e

Sr Particulars Retail Credit Department .No Scheme guidelines 7. Deduction ➢ Not to Exceed 60% of the Gross Income including Proposed 8. Security EMI / Notional Interest. 9. Guarantor 10. Processing Fee ➢ (In case of existing Housing loan borrowers 65% of Gross income including proposed EMI) Nil (Clean Loan) One Guarantor acceptable to the Bank 1.00 % of the loan amount + GST (Min: Rs 1000/-) 42 | P a g e

Retail Credit Department “Maha Bank Personal Loan” for payment of one time Group Credit Life Insurance Premium ➢ Bank has introduced the BOM AVIVA Group Credit Life Insurance for the Home Loan Borrowers. Bank will hold the master policy and borrowers who opt for the scheme will be covered under this policy with sum assured amount will be the Loan amount. ➢ Customers will be given the option of paying premium from their savings or loan can be arranged for the payment of premium through option of exclusive personal loan from Bank. Particulars Scheme Guidelines Eligibility Purpose All retail loan borrowers Exclusively for funding the one time premium amount of Group Credit life insurance policy for retail loan borrowers. Eligible Applicant No other purpose / requirements to be considered under the scheme Nature of Facility Individuals in the age group of 18 - 65 years who Maximum Quantum of avails the Retail loans from our Bank. In case of Loan Education loan, minimum age is as per Education loan Repayment scheme guidelines. Term loan Minimum - Rs 10000/- Maximum up to the premium amount (including GST) ➢ Maximum Repayment period of 7 years or tenure of the respective retail loan whichever is less and serviced by way of EMI. Deduction ➢ Deduction norms of the respective Retail loan schemes shall be considered Security Guarantor NIL Processing Fee As per underlying retail loan scheme Nil 43 | P a g e

Retail Credit Department MAHA BANK SALARYGAIN SCHEME Sr Particulars Scheme guidelines .No 1. Purpose of loan ➢ To meet their day to day needs. 2. Type of Facility ➢ Over Draft 3. Eligibility ➢ The customer should be in permanent employment with total minimum 1 year of Service, with corporate concern of 4. Maximum repute, Central Government / State Govt. Department / Quantum undertakings (including Government and Government Aided Finance Educational Institutions) /Co-operative Societies. ➢ Minimum Take Home salary of the applicant should be Rs.25000/-p.m ➢ For deciding take home salary, average of last 3 months’ of salary credited in the account be reckoned. 5. Margin ➢ Nil 6. Repayment period ➢ OD FACILITY - Annual review 7. Deduction ➢ Total deduction of the applicant including notional interest of the proposed OD facility should not exceed 60% of the 8. Security Gross Monthly Salary. 9. Guarantor 10. Processing Fee ➢ Clean ➢ One acceptable Guarantor ➢ 0.50% of the OD Amount per annum, subject to min. 500/- P.A 44 | P a g e

Retail Credit Department CHECKLIST FOR PERSONAL LOAN / SALARY GAIN SCHEME 1. Application form duly complete and signed 2. Two passport size photographs 3. Photo Identity Proof I. Passport II. Pan Card III. Voters ID Card IV. Driving License V. Aadhar Card 4. Residence Address Proof I. Passport II. Ration Card III. Utility Bill: Electricity Bill/ Land Line Bill IV. Aadhar Card V. Voters ID card VI. Driving License 5. Income Proof I. Last 3 months salary slip II. Latest Form 16/ ITR for two years 45 | P a g e

Retail Credit Department Mahabank Aadhar Loan Scheme Sr Particulars Scheme guidelines .No 1. Purpose of loan ➢ Personal expenses - medical, pilgrimage domestic needs, 2. Eligibility etc. ➢ Central/ State Government/ Municipal Corporation/ PSUs 3. Age Limit and Family Pensioners drawing pension from our branches ➢ Maximum 73 years as on date of disbursement of loan subject to 77 years of age at the maturity. 4. Maximum For eligible Pensioners other than BOM staff: Quantum of Finance Equivalent to 18 months pension subject to maximum of 1. Rs.4.00 Lakhs up to age of 65 Yrs. 2. Rs.3.00 Lakhs up to age of 70 Yrs. 3. Rs.2.00 Lakhs up to age of 73 Yrs. For BOM Staff Pensioners: Equivalent to 18 months pension subject to maximum of 1. Rs.6.00 Lakhs up to age of 65 Yrs. 2. Rs.4.50 Lakhs up to age of 70 Yrs. 3. Rs.3.00 Lakhs up to age of 73 Yrs. 5. Margin Nil 6. Repayment period ➢ 60 EMI, Subject to 77 years of age at loan maturity 7. Deduction ➢ Pension upto Rs.12500/- => 40% of gross monthly pension 8. Security ➢ Pension above Rs.12500/-=>50% of gross monthly 9. Guarantor pension 46 | P a g e Nil • Family pension nominee will be taken as co-borrower (mandatory). • In case there is no beneficiary of family pension or family pensioner who availed Aadhar Loan, an acceptable guarantor having sufficient net worth and drawing salary/ pension from our branch be obtained • For Aadhar Loan to Family pensioner, two acceptable guarantor having sufficient net worth and drawing salary/ pension from our branch be obtained.

Retail Credit Department Sr Particulars Scheme guidelines .No 10. Number of times • Pensioners up to age of 67 years are eligible for availing loan for availment of under the scheme without any restrictions on number of loan occasions for availment of loan. 11. Processing Fee • Pensioners with the age above 67 years and up to 73 years can avail loan for maximum three times. 0.50% of the Loan Amount (Min.:Rs.500/-) Checklist to be obtained for Maha Bank Aadhar Loan Scheme KYC Documents Photo Identity Proof Residence Address Proof any one from the following; any one from the following; ➢ Passport ➢ Passport ➢ Pan Card ➢ Ration Card ➢ Voters ID Card ➢ Utility Bill: Electricity Bill/ Land Line ➢ Driving License ➢ Aadhar Card Bill ➢ Aadhar Card ➢ Voters ID Card ➢ Driving License Pensioner/Family Pensioner Guarantor 1. PPO Letter or Family Pension 1. KYC Documents Order Letter – Photocopy should 2. Duly Filled in Application Form be verified with Original 3. Personal Information Form 2. KYC Documents 3. Duly Filled in Application Form 47 | P a g e

Retail Credit Department MAHA BANK CONSUMER LOAN SCHEME Sr Particulars Scheme guidelines .No 1. Purpose of loan ➢ For purchase of consumer durables including 2. Eligibility computers/Laptops, Electronic Gadgets etc. ➢ Existing Housing Loan Borrowers /Corporate Salary Account holders (Minimum 2 years in employment with 1 year in the current organization) having minimum standing of 1 year relationship with our Bank. 3. Min Annual Income ➢ For corporate Salary account holders: Rs.3.00 lakh (last year income) - Minimum past 2 year ITR/Form 16 from the Employer is Mandatory ➢ For existing housing loan Borrowers: (Salaried/Businessmen/ Professional Individuals only):Rs.2.50 lakh (last year income) - Minimum past 2 year ITR/Form 16 from the Employer is Mandatory, Subject to 4. Maximum sufficient disposable Income. Quantum ➢ Minimum loan amount - Rs. 50,000/- of ➢ Maximum loan amount: Rs.1.50 lakh, Subject to deduction Finance norms 5. Margin ➢ Minimum 25% of the cost of the Consumer goods. ➢ For Computers/Laptops/Electronic Gadgets: Minimum 40% 6. Repayment period ➢ Maximum 60 months. 7. Deduction ➢ Not to exceed 60 % of Gross Income including proposed EMI 8. Security 9. Guarantor ➢ Hypothecation of Consumer goods purchased 10. Processing Fee ➢ One guarantor acceptable to bank ➢ Processing fee 0.50% of the Loan Amount (Min.:Rs.500/-) 48 | P a g e

Retail Credit Department Mahabank Gold Loan Scheme-Retail S.No Particulars Scheme guidelines 1. Purpose of loan ➢ To cater to the requirements of meeting personal expenditure of varied needs like marriage, higher education, medical emergencies, business travel etc. 2. Type of Facility ➢ Term Loan /Over Draft 3. Eligibility ➢ All individuals, including Bank’s staff, desirous of availing Gold Loan against gold jewellery /ornaments. 4. Maximum Quantum ➢ The applicant/s should satisfy the KYC norms. Finance ➢ Eligible Loan amount can be calculated by following of 1) Rate per gram (issued by HO fortnightly basis) of 22 carat Gold Ornament/Jewellery Or 2) 75% / 65% (as per repayment schedule opted by borrower) of the market value of the net weight of the Gold ornaments. ➢ Eligible loan amount should be arrived at on the basis of 1 & 2 whichever is less, subject to the maximum ceiling of Rs 20.00 Lakh 5. Margin Repayment Type Margin Bullet Repayments (Maximum 12 months) 35% In all other cases (TL/CC) 25% 6. Repayment LTV ratio 75% is to be maintained throughout the tenure of the period Loan. (Total outstanding Including int./Value of Gold) ➢ TL / CC- Maximum – 24 Months ➢ In case of Bullet Repayment Maximum -12 Months 7. Repayment Mode A) Term Loan Facility : 1) PED / EMI :- Principal: The maximum repayment period is 24 Months. Repayment should be fixed in terms of monthly/ quarterly/ half yearly/Yearly. Interest : 49 | P a g e

S.No Particulars Retail Credit Department 8. Security Scheme guidelines Interest should be charged on monthly basis and should be serviced as and when applied 2) Bullet Repayment :- The repayment period of such loans shall not exceed 12 months. Bullet Repayment of Interest & Principal at the end of term. Interest will be charged to the account at monthly rests but will become due for payment along with Principal only at maturity. B) Over Draft Annual Review subject to entire amount to be repaid once in year. Interest : Interest should be charged on monthly basis and should be serviced as and when applied ➢ Pledge of gold jewellery/ ornaments. 50 | P a g e