Indusind Bank

IndusInd Bank understands its customers’ money is not just money.
It is the vehicle to
realise their dreams! Hence, the bank aims to ensure that the customers’ experience with
the bank is pleasant and enriching. That they get value for their money, enabling them to
lead a richer, fuller, content life... For this, the bank:
INDUSIND BANK LTD. - CAPITAL HISTORY
Mode of issue Year No. of equity Distinctive Nos. Total Capital

of shares
issue
Initial share capital 1994 10,00,00,000 1 to 10,00,00,000 10,00,00,000
Preferential issue 1995 2,00,00,000 10,00,00,000 to 12,00,00,000 12,00,00,000
Public issue (IPO) 1997 4,00,00,000 12,00,00,001 to 16,00,00,000 16,00,00,000
Cancellation of equity shares of 3,97,73,017 17 to 3,97,73,033

the Bank held by the erstwhile
IndusInd Enterprises & Finance
Ltd. (IEFL) pursuant to the
sanctioned Scheme of
Amalgamation of IEFL with the
Bank
Equity shares issued to the 10,00,00,000 17 to 3,97,73,033 and 22,02,26,983

shareholders of the erstwhile IEFL 2003 16,00,00,001 to 22,02,26,983
in the share exchange 1:1
Equity shares issued to the 7,04,74,853 22,02,26,984 to 29,07,01,836 29,07,01,836
shareholders of the erstwhile 2004
ALFL in the share exchange ratio
of 4:9
Forfeiture of shares 2005 -384200 29,03,17,636
Issue of Global Depository 2,94,90,300 29,07,01,837 to 32,01,92,136 31,98,07,936

Receipts 2007
Issue of Global Depository 3,51,92,064 32,01,92,137 to 35,53,84,200 35,50,00,000

Receipts 2008
QIB Issue 2009 5,48,97,140 35,53,84,201 to 41,02,81,340 40,98,97,140
ESOP Allotment 2009 49,500 41,02,81,341 to 41,03,30,840 40,99,46,640
2010
ESOP Allotment 2,70,680 41,03,30,841 to 41,06,01,520 41,02,17,320
ESOP Allotment 2010 1,48,400 41,06,01,521 to 41,07,49,920 41,03,65,720
41,04,54,640
ESOP Allotment 2010 6,600 41,08,32,241 to 41,08,38,840
BOARD OF DIRECTORS - ABOUT US
• Mr. R. Seshasayee: Managing Director, Ashok Leyland Ltd.
• Mr. R. Sundararaman : Former Dy Managing Director of SBI

• Mr. T. Anantha Narayanan : Chartered Accountant and Expert in Agriculture
and Rural Economy

• Dr. T. T. Ram Mohan : Professor, Finance & Accounting, IIM, Ahmadabad

• Mr. Premchand Godha : M.D. of Ipca Laboratories Ltd., having practical
experience of SSI & Agriculture

• Mr. Ajay Hinduja : Businessman

• Mr. Sushil Chandra Tripathi : I.A.S (Retired), Advocate
• Mr. Ashok Kini Former : Managing Director of SBI

• Mr. Romesh Sobti : Managing Director & CEO
MISSION
To position IndusInd Bank limited as a Top 3 performer in the new private bank space in
3 years measured by the 3 parameters of Profitability, Productivity and Efficiency
• Offers a new level of banking – better services, better understanding of unique

needs and better management of finances
• Demystifies the banking process and makes it more accessible
• Apart from fulfilling traditional banking responsibilities, advises customers on
how and where to use their money to get the best out of it
• Projects an image of being a young, energetic, modern bank with values of
dynamism, confidence and progression
•
• Further, as a banking partner, the bank also aims to help its customers discover
how they can do more things with their money.
MILESTONES FOR FY 2008-09
• Total business crossed Rs. 37,800 crores

• Net Profit up by 98%. to Rs. 148.34 crores
• Net Interest Income up by 53% to Rs. 459.03 crores
• Fee and Other Income up by 53% to Rs. 456.24 crores
• Net NPA at 1.14 % as compared to 2.27% as on March 31, 2008
• Net worth moved to Rs. 1429 crores
• Earning per share (Basic) increased to Rs 4.28 from Rs 2.35
• Capital Adequacy Ratio stood at 12.33 % as against the minimum regulatory
norm of 9%.
• Highest A1+ rating for its Certificates of Deposit by ICRA and the highest P1+
rating for its Fixed Deposits and Certificates of Deposit by CRISIL.
• Dividend declared 12% up from 6%. Bagged The Economic Times Acer Intel
Smart Workplace Award, in the Financial Services category
MILESTONES FOR FY 2009-10
• Total business crossed Rs 47000 crores

• Net worth moved to Rs 2166 crores
• Net Profit up by 136% to Rs 350.31 crores
• Net Interest Income up by 93% to Rs 886.41 crores
• Core Fee Income up by 44% to Rs 432.27 crores
• Capital Adequacy Ratio ( Basel II) stood at 15.33%
• Return on Assets at 1.14% as against 0.58%
• Net NPA at 0.50 % as compared to 1.14% as on March 31, 2009
• The provision of Coverage Ratio against NPAs stood at 60% as against 29.76%
• Raised Maiden QIP issue for Rs 480 crores with an overwhelming response from
the investor community
• Network increased to 210 branches and 497ATMs spread over 168 geographical
locations in 28 states and union territories across the country as against 180
branches and 356 ATMs spread across 147 geographical locations
• Earning per Share ( Basic ) increased to Rs.9.01 from Rs 4.28
• Dividend declared 18% - up from 12%
Achievements
• Received the prestigious ‘Technology Bank of the Year-2009’ award in the

private and foreign bank category from the Indian Banks’ Association (IBA).
• The State Forum of Bankers Clubs, Kerala, bestowed the “Excellence Award”, as
the second best new generation Bank in Kerala.
• Ranked No. 1 for “Credit Quality” amongst all banks in India by Financial
Express and Ernst & Young study.
• Highest P1+ rating for its Fixed Deposits and Certificates of Deposit (up to 1 year
contracted maturity) by CRISIL
• Lower Tier II bonds have been rated “CARE AA-“ by CARE
• Bank’s Lower Tier II bonds ratings have been upgraded to "A+ (ind)" and Upper
Tier II bonds ratings upgraded to "A-(ind)" by Fitch Ratings
Service
Following Service are provided by the Indusind Bank.
1. Personal Banking
2. Wealth Management Service
3. Corporate Banking
4. International Banking
5. Investment Banking
6. Global Market Group
7. ASBA
8. NRI Service
9. Online Shopping & E-Payment
10. RTG`S / NEET
1. Personal Banking
 Account
 Deposits
 Loans
 Cards
 Indus Reward
 Indus Money
 Service Charges
Account
a. Indus Easy Saving Account
b. Demat Account
c. RFC Account
d. Specialized Account
e. Indus young Saver
Deposit
a. Flexi term Deposit

b. Sweep In / Sweep Out Deposit
c. Young Saver Deposit
d. Regular Recurring Deposit
e. Flexi Recurring Deposit
Loan
a. Home loan
b. Small Business Loan
c. Commercial Vehicle Loan
d. Car Loan
e. Two Wheeler Loan
f. Construction Equipment Loan
g. Loan Against Share
h. Loan Against Property
i. Loan Against Rent Receivables
j. Loan Against Mutual Fund
k. Credit Against Specific Securities
l. Traders Advances
m. List of recovery / collection
Card
a. Regular Debit Card
b. Gold Debit Card
c. Debit Card Special offer
d. Secure Online Shopping
2. Wealth Management Service
 Investment
 Insurance
 Server Mudra
3. Corporate Banking
 Large Indian Companies

 Small & Medium Enterprises
 Supply Chain Management
 MES – OTS Scheme
Large Indian Companies
a. Fund Based Facilities

b. Non Fund Based Facilities
c. Value Added Facilities
 Working Capital Finance

 Short-Term Finance
 Term Loan
 Bills Finance Supply Purchase
 Asset Securitization
 Line of Credit
 Assets Based Finance
b. Non Fund Based Facilities
 Latter of Credit
 Bank Guaranties
 Associate Finance
 Cash Management Service
 Corporate Salary Account
 Investment Avenues For Cash
Small & Medium Enterprises

b. Non Fund Based Facility
c. Value added Facilities
d. MSE –OTS Scheme
 Working Capital Finance

 Short Term Finance
 Term Loan
 Bills Finance Supply Purchase
 Asset Securities
b. Non Fund Based Facility

 Latter of Credit
 Bank Guarantee
 Associate Financing
 Cash Management Service
 Corporate Salary Account
 Investment Avenues for Cash
3. Supply Cash Management
 Working Capital Finance

 Bill Discounting
4. International Banking
 Correspondent Banking
 SWIFT
 Advisory Services
 Facilities to Exporters
 Trade Finance
 RFC Account for Resident
 Gold Banking
5. Investment Banking
 Product Service
 Global Access
 Induslnd Add Vale
 Deals Done
6. Global Market Group

 Foreign Exchange Desk
 Money Market Desk
 Derivives Desk
7. Capital & Commodities Markets
 Stock Exchange Cell

 Commodities Exchange Cell
 Banker to Public Rights
 Debenture Trustee
 IPO Funding
 Loan Against Demat Share
 Depositary Service
 FAQ
8. ASBA
 What is ASBA
 Designated Branches
 Nodal Officer
9. NRI Service
 Deposit Schemes
 Value Added Service
 Retuning NRI
 Investment
 Taxation
 Offices Abroad
 FAQ
10. Online Shopping & E- Payment
 Indus Net – Internet Banking

 Online Payment
 VISA Money Transfer
 ATM
 Online Bill Payment
 E- Statement
 Mobile Banking
 Mobile Top up
1. Personal Banking
ACCOUNTS
IndusInd Bank Deposit Schemes help you manage your finances better by saving your
time and money.
A wide range of deposit schemes cater to the varying needs at every stage in your life.
We have a range of solutions which will make banking effortless for customers having
diverse needs. Please refer to the Accounts listed on the top left menu for further
information.
INDUS EASY SAVINGS ACCOUNT
Indus Easy Savings Account – No Frills Account

Indus Easy Savings Account is a facility to provide basic banking facilities to common
man without tedious processes and higher minimum balance.
Open an Indus Easy Savings Account and earn interest of 3.5% per annum. Simple
account opening process with minimal documentation. Access your account anywhere,
anytime through internet and ATM banking.
Product Features:
 Zero Balance Savings Account, just Re.1/- to open account
 Earn Interest at 3.5% per annum
 Free Internet Registration
 ATM Card to operate at IndusInd Bank ATMs and other network partner ATMs
 Free Funds Transfer through NEFT
 Direct withdrawal facility – weekly once
 One cheque book issued per annum
 Half yearly statements will be provided, monthly statement through email
 NO Charges on non-maintenance of minimum Average Quarterly Balance
 Free Training on Technology Banking
Important Note:
1. Indus Easy Account can be opened by resident individuals only
2. Indus Easy Account is opened under Simplified KYC Process, at any point of
time if the total balance or the total yearly turnover in the accounts exceed Rs.
50,000/- and Rs. 1, 00,000/- respectively. Account holder will be required to
provide additional documents for KYC completion; else the Bank will be entitled
to close the account.
Monthly Statement can be collected through your nearest branch
DEMAT ACCOUNT
Shares are traditionally held in physical or paper form. This method has its own inherent
weaknesses like loss/theft of certificates, forged/fake certificates, cumbersome and time
consuming procedure for transfer of shares etc. Therefore, to eliminate these weaknesses,
a new system called Depository System was introduced in India after the enactment of
the Depositories Act 1996.
A depository system is a system, which holds your shares in the form of electronic
accounts in the same way a bank holds your money in a savings account.
Depository System provides the following advantages to an investor:
your shares cannot be lost or stolen or mutilated.

You never need to doubt the genuineness of your shares i.e., whether they are forged
Share transactions like transfer; transmission etc. can be effected immediately.

Transaction costs are usually lower than that in the physical segment.
There is no risk of bad delivery.
Bonus/Rights shares allotted to you will be immediately credited to your account.
You will receive the statement of account of your transactions/holdings periodically.
When you decide to have your shares in electronic form you should approach a
Depository Participant (DP) who is an agent of the depository to open an account. You
should surrender your share certificates in physical form and your DP will arrange to get
them sent to and verified by the company and on confirmation credit your account with
an equivalent number of shares. This process is known as dematerialization. You can
always reverse this process if you so desire and get your shares reconverted into paper
form. This process is known as dematerialization.
Share transactions (like sale or purchase and transfer/transmission etc.) in the electronic
form can be effected in a much simpler and faster way. All you need to do is that after
confirmation of sale/purchase transaction by your broker, you should approach your DP
with a request to debit/credit your account for the transaction. The Depository will
immediately arrange to complete the transaction by updating your account. There is no
need for separate communication to the company to register the transfer.
INT BKG-RFC ACCOUNT
As an important step towards further liberalization of foreign exchange facilities

available to individual residents, it has been decided by Reserve Bank of India to permit a
person resident in India to open, hold and maintain with a licensed Bank (which is also an
Authorized Dealer) in India a Foreign Currency (Domestic) Account and foreign
exchange acquired from any of the sources specified as under can be kept in this account
by the resident.
while on visit to any place outside India by way of payment for services not arising
from any business in or anything done in India; or
From any person not resident in India and who is on a visit to India, as honorarium
or gift payment for services rendered or in settlement of any lawful obligations; or
by way of honorarium or gift while on a visit to any place outside India; or
from an authorized person for travel abroad and represents unspent amount: or
Gift received from close relative; or
foreign exchange earned through export of goods and/ or services; or royalty,
honorarium etc
Salient features
Eligibility: Any person resident in India

Type of Account: Current account
Currency: Foreign Currency such as USD, GBP & EURO
Eligible credits: Out of Foreign Exchange acquired from the sources specified as above
in the form of currency notes, bank notes and traveler’s cheque.
Eligible Debit: Payment towards current and capital account transactions in accordance
with existing foreign exchange Regularities.
Ceiling: No upper ceiling on balances held in account is stipulated by Reserve Bank of

India.
Interest: No interest will be payable on balances held in account
Cheque Book Facility: Special cheque book will be provided with ‘RFC (Domestic)
Account’ notation.
INDUSIND EDGE
BUSINESS ACCOUNT
One Account for your much business needs
Indus Edge Business Account
IndusInd Bank knows how much your business means to you. To facilitate its growth and ensure
prosperity, we have added several offerings which will make this process smooth and efficient. Special care
has also been taken to ensure that you will most certainly save precious time, secure peace of mind and also
get the best in terms of service. The Bank has 180 outlets spread over 137 geographical locations in 28
states and union territories across the country. The Bank also has representative offices in Dubai and
London.
The Ideal Current Account for Your Business

IndusInd Bank understands the nature of your business needs and has tailored products to meet them. This
product will prove to be an ultimate value for money considering that you will get loads of benefits against
a nominal minimum balance requirement.
Anywhere Access
One country, One account, One bank. Step into any branch, anywhere in India and complete all your
banking transactions.
Payment Strength
1. Payable at Par Cheque
No more blocking your precious funds in demand drafts. Get Free* At Par Cheque that are treated
as 'local clearing' cheque across all our branch locations. This will allow you to fund your account
just before a payable At Par cheque is presented for clearing. Please contact your nearest branch
for the latest list of locations.
2. Free Demand Drafts
enjoy the benefit of our extended reach to over 500 locations including our correspondent partner
bank locations. Save the money and effort that goes into the managing and maintaining of multiple
accounts with various banks to meet your payment location requirement. Get Free* Demand
Drafts, payable at all IndusInd Bank branches and partner bank locations across India.
3. Edge through Electronic Banking
Experience the power of express fund transfer through Real Time Gross Settlement (RTGS) and
National Electronic Funds Transfer (NEFT). As an Indus Edge customer, RTGS and NEFT
services are available to you free of cost, enabling funds transfer to specified locations and
branches of select banks. You need to get in touch with your nearest IndusInd Bank branch to
facilitate your request for NEFT and RTGS.
4 . Cash Withdrawal at Non-Home Location

Indus Edge allows real access to your own money; you can withdraw cash anywhere in India at the nearest
IndusInd Bank branch
Collection Strength
1. Anywhere Collection
Enjoy additional savings and efficiency of anywhere services, with a reach of 137 IndusInd
locations for collecting your cheque. Now deposit your locally payable cheque at any IndusInd
location, with our local branch. We will collect your funds and remit to your account at the home
location.
2. Outstation Collection
Add more edge to your business, with a free* collection of outstation cheque, payable on IndusInd
Bank locations.
Cash Deposit
Our unique flexi cash deposit allows you to enjoy additional savings on your account. Indus Edge does not
bind you at a static cash deposit limit, our flexi free cash deposit limit is five times the balance maintained
in the previous month for local deposits
Other Services
 Doorstep Banking
IndusInd Doorstep Banking enables you to have cheque and cash picked up or delivered from / to
your doorstep on a daily basis or on call basis, at a time convenient to you. How about that for
saving time?!
 Internet Banking (Indusnet)
Your Indus Edge Account allows you either view-only or transaction access, based on your
banking requirement. This helps in transferring funds instantly from one account to another at any
of our branches across the country, absolutely free. And that's not all, you can perform any of the
following functions on Indusnet:
o Requests
Request for New Cheque book
Request for Account Statement
Request for Demand Draft
Request to Stop Payment of Cheque
Additional Services
Interact with Your Personal Banker
Indicative Foreign Exchange Rates
 Phone Banking
You access, we pay. Just pick up the phone and call us Toll Free on 1800-22-0061 or on 022-
4406-6666. Our Customer Contact Centre offers you personalized service.
 Long Banking Hours
We are open for long hours to serve you better and allow you to access the Bank at your
convenience even when you are tied up with busy schedules. Our branches remain open from 10
AM to 4 PM**, Monday through Saturday.


 Mobile Banking and Alerts

Our Mobile Banking and Alerts Service enable you to access your Bank Account on your mobile
 Phone. You can check daily account balance of any large credits or debits and have standing
instructions successfully executed. The status of your transaction will be intimated to you via
SMS. Moreover, we can also alert you on FD maturity dates. Avail of the PULL message service
by sending key words like 'TXN' or 'BAL' or with parameters to 5676757.
International Debit Card

you can use your International Debit Card to withdraw cash from any Visa ATM. You can also use the card
to make purchases at merchant establishments. Currently, we offer a daily cash withdrawal limit of Rs.
25,000 and POS limit of Rs. 50,000 on our regular debit card.
EEFC Account
As an Edge client, you can also avail of the Nil balance EEFC Account in three leading currencies - US
dollar (USD), Euro (€) and Pound Sterling (GBP-£). The Account allows:
1. Foreign Cheque Collections:
You can deposit foreign currency cheque payable anywhere in the world. Our wide coverage,
enabled with the help of the correspondent bank network will ensure that the cheque are credited
to the Account extra fast.
2. Foreign Currency Drafts:
Using your EEFC Account, you can also purchase Foreign Currency Drafts in USD, GBP and
EURO. There will not be any foreign currency margin on the same.
3. Free monthly statements will be available on demand.
4. Foreign Currency Chequebook for international transactions is available on demand.
5. Cash withdrawal from EEFC Account:
Withdrawal s in foreign currency are permitted only against applicable conversion margin,
whereas there is no restriction on cash withdrawals in INR.
6. Cash deposit into EEFC Account:
Deposits in foreign currency is permitted only against applicable conversion margin.
7. Remittances from EEFC Account:
In lieu of currency conversion margins, the EEFC Accounts will be eligible for the following
special rates:
 Import transaction (inward remittance) - 0.125% on the amount involved

 Export transaction (outward remittance) - 0.25% on the amount involved
Non-Export transaction (outward remittance) - 0.125% on the amount involved
You can ask your nearest IndusInd Bank Branch to guide you on the requirements for opening the EEFC
Account.
Toll Free No.: 1800-22-0061(for BSNL and MTNL subscribers)or 022-4406 6666
Please refer to the Schedule of Charges for details. All offers subject to change at the sole discretion of the
Bank
INDUS PRESTIGE
BUSINESS ACCOUNT
Experience personalized care with a dedicated Relationship Manager
Indus Prestige Business Account

Some privileges are reserved for a chosen few. As an Indus Prestige Business Account holder you will be
assigned a dedicated Relationship Manager who will take care of all your business banking transaction
needs and even assist you in planning your finances. Indus Prestige comes to you with a host of other
premium services and exclusive benefits. What’s more, as an Indus Prestige customer you will receive
preferential treatment at all the 180 Bank branches spread over 137 geographical locations in 28 states and
union territories across the country
Dedicated Relationship Managers

You need an efficient transaction bank to cater to your business needs in the demanding world of business.
At IndusInd Bank, we have dedicated the Indus Prestige Business Account to service your premium
business needs. Hence we provide you with a dedicated Relationship Manager who will be your single
point contact at the bank, besides an experienced service team. The Relationship Manager will ensure that
your requirements are prioritized and your expectations are met.
Add Prestige to Your Business

We, at IndusInd Bank understand your business needs and present tailor-made products to meet your
expectations from the Bank. The product has been designed to add value to your business through swift
transaction handling and backed by a well-informed servicing team.
The offer also comes loaded with transactional features which will surely add money to your wallet. It
provides loads of features across payments and collection products.
Features
Payment Strength
A. Payable At Par Cheque with Your Account

As an Indus Prestige customer, you get unlimited free access to Payable At Par cheque that are
treated as ‘local clearing’ cheque across all our branch locations. You can fund the Account just
before the Payable At Par cheque is presented for clearing. The Payable At Par cheque allow you
the freedom of making payments at over 137 IndusInd locations. Thus, no more blocking your
precious funds in demand drafts.
B. Free Demand Drafts

In case you decide to use our extended reach to make a payment, enjoy the payment reach benefit
at more than 500 locations including our partner banks. Save the money and effort that goes into
the managing and maintaining of multiple accounts with various banks to meet your payment
location requirements.
C. Power of Electronic Banking

Experience the power of express fund transfer through Real Time Gross Settlement (RTGS) and
National Electronic Funds Transfer (NEFT). As an Indus Prestige customer, RTGS and NEFT
services are available to you free of cost, to enable fund transfer to specified branches of banks.
Get in touch with your nearest IndusInd Bank branch to facilitate request for NEFT and RTGS.
D. Cash Withdrawal at Non-Home Locations
Indus Prestige allows real access to your own money; withdraw cash anywhere in India at the
nearest IndusInd Bank branch.
Collection Strength
A. Anywhere Collection
Enjoy additional savings through efficiency of anywhere services, collect your local cheque at any
of our 137 locations. We will collect your funds and remit to your Account at the home location.
B. Outstation Collection
Add more to your business, with a free collection of outstation cheque payable at IndusInd Bank
locations.
Cash Deposit
Our unique flexi cash deposit allows you to enjoy additional savings on your Account. Indus Prestige does
not bind you to static cash
C. Deposit limit. Our flexi, free cash deposit limit is five times the balance maintained in the previous
month for your local cash deposits.
Other Services
 Doorstep Banking
IndusInd Doorstep Banking enables you to have cheque and cash picked up or delivered to your
doorstep on a daily basis or on call basis, at a time convenient to you. How about that for saving
time?!
 Internet Banking (Indus net)

Your Indus Prestige Account allows you an option of selecting view-only or transaction access,
based on your banking requirement. This helps in transferring funds instantly from one account to
another at any of our branches across the country, absolutely free. And that’s not all, you can
perform any of the following functions on Indus net:
 Requests
Request for New Chequebook

Request for Account Statement
Request for Demand Draft
Request to Stop Payment of Cheque
 Additional Services
Interact with Your Personal Banker

Indicative Foreign Exchange Rates
 Phone Banking
You access, we pay. Just pick up the phone and call us Toll Free on 1800-22-0061 or on 022-
4406-6666. Our Customer Contact Centre offers you personalized service.
 Long Banking Hours

We are open for long hours to serve you better and allow you to access the Bank at your
convenience. Our branches remain open from 10 AM to 4 PM*, Monday through Saturday.
 Mobile Banking and Alerts

Our Mobile Banking and Alerts Service enable you to access your Bank Account on your mobile
phone. You can check daily account balance of any large credits or debits. The status of your
transaction will be intimated to you via SMS. Moreover, we can also alert you on FD maturity
dates. Avail of the PULL message service by sending key words like ‘TXN’ or ‘BAL’ or with
parameters to 5676757.
 International Debit Card
you can use your International Debit Card to withdraw cash from any Visa ATM or make
purchases at merchant establishments. Currently, we offer a daily cash withdrawal limit of Rs.
50,000 on the Gold Card.
 EEFC Account
As an Indus Prestige client, you have the option of subscribing to the Nil Balance EEFC Account
in any of the three leading currencies – US dollar (USD), Euro (€) and Pound Sterling (GBP-£).
The Account allows:
 Foreign Cheque Collections

you can deposit foreign currency cheque payable anywhere in the world, with us for collection.
Our wide coverage, enabled with the help of a correspondent bank network will ensure that the
cheque are credited to your Account extra fast.
 Payment through Foreign Currency Drafts

using your EEFC Account, you can also purchase Foreign Currency Drafts in USD, GBP and
EURO. There will not be any foreign currency margin on the same. Foreign Currency Cheque
Book for international transactions is available on demand. Please contact your nearest IndusInd
Bank branch for more information on the EEFC Account.
 Cash Management Services
As an Indus Prestige customer, you have the option to enroll in an exclusive Cash Management
Service, called Indus Collect. This service empowers you to manage funds by reducing collection
time at a fraction of the cost.
Indus Collect covers 250 locations for local collections and 1,000 locations for outstation
collections. You can get in touch with your Relationship Manager or nearest IndusInd Bank
branch for more details on the product and enrollment details.
INDUS TASC
FOR TRUSTS, ASSOCIATIONS, SOCIETIES & CLUBS
A Zero-Balance Savings Account

The exclusive Indus TASC Account is a specially designed value-added Savings Account for non-profit
organizations like Trusts, Associations, Societies, Clubs and NGOs. The offer also covers Educational
Institutions, Trade & Professional Associations, Charitable Hospitals and NGOs.
Why Indus TASC Account?
No Minimum Balance Requirement
We value your relationship and hence do not prescribe any minimum balance requirement. In other words,
there are no penalties for non-maintenance of minimum balance in the account.
Free Anywhere Banking

You can operate your Indus TASC Account from any IndusInd branch, even in another city. Also, we offer
you services of cash withdrawal at non-home locations.
Free Multi-City Cheque (At Par) Facility

The Indus TASC Account offers payable at par cheque book facility, enabling you to issue cheque for
outstation payments
on all IndusInd Bank centers, without the hassles of buying demand drafts for making payments. You also
save precious money on the demand draft making charges in addition to additional float in the account until
cheque is presented for clearing.
Unlimited Transactions, Unlimited Fund Transfer

Indus TASC Account offers you flexibility of using the cheque book without worrying about the limit on
the number of free transactions per month.
Demand Drafts
If you desire to issue a demand draft, we offer free demand drafts on IndusInd Bank locations unto Rs. 5
laces per month Also, there is no need to open additional accounts with other banks for demand drafts. Our
tie-up with partner banks ensure that you receive unmatched payment reach of over 500 locations at
competitive pricing.
Electronic Banking
We understand that you need to transfer funds to the remotest corners of India within the shortest time.
Indus TASC Account offers you unlimited free fund transfers through NEFT, while fund transfers through
RTGS are priced at a competitive rate.
Fee Collection Services (FCS)*

FCS is a tailor-made offering from IndusInd Bank which facilitates fee collections for Education
Institutions through Cash Management Services, called Indus Collect.
Free Collection Services

Cheque drawn on any location where IndusInd Bank has a branch will be credited to your account without
any service charge, when presented in local clearing.
Email Account Statements

We offer free daily statements of account on the email ID registered with us.
FCRA Accounts
IndusInd Bank offers FCRA Accounts to the Trusts / Associations approved by Ministry of Home Affairs
to receive 'Foreign Contributions'. The Bank offers attractive foreign exchange rates and unique facilities
for inward remittance, making donations much faster and convenient.
Investment Opportunities
Multiply Your Returns

Indus TASC Account offers you an opportunity to earn Fixed Deposit (FD) Interest while enjoying the
convenience of accessing the money when required. You can instruct us to sweep your excess balance into
fixed deposit and link it to your Indus TASC Account, to allow for automatic reverse sweep whenever a
cheque is presented for clearing against your Account. The Fixed Deposits will be broken in LIFO basis for
the reverse sweep.
Mutual Fund Investments

We have tied up with leading Asset Management companies to maximize opportunities for you. You can
get in touch with our investment councilors or the nearest branch to help you in selecting the best option
suited for your goals.
Toll Free No.: 1800-22-0061(for BSNL and MTNL subscribers) or 022-4406 6666
please refer to the Schedule of Charges for details. All offers subject to change at the sole discretion of the
Bank
INDUS PRIME
TRUSTS, ASSOCIATIONS, SOCIETIES & CLUB
A Special Savings Account for Trusts, Associations, Societies and Clubs
The banking needs of larger non-profit organizations like Trusts, Associations, Societies, Clubs, NGOs, etc.
are different. That is why we are introducing the Indus Prime Savings Account - a specially designed value-
added Savings Account for larger non-profit organizations. This Account unveils a gamut of privileges for
nonprofit organizations like Trusts, Associations, Societies, Clubs, NGOs etc. The offer also covers
Educational Institutions, Trade & Professional Associations, Charitable Hospitals and NGOs.
Why the Indus Prime TASC Account?

We present to you a privilege offer meant for image and value-conscious TASC entities. The offer not only
combines the best of its class services, but also gives access to our privilege offers and invites.
Free Anywhere Banking

You can operate your Indus PRIME Account from any IndusInd Branch even at another city. Also, we
offer you services of cash withdrawal at non-home locations.
Free Multi-City Cheque (At Par) Facility

The Indus PRIME Account offers unlimited Payable At Par cheque-book facility enabling you to issue
cheques for outstation payments on all IndusInd Bank centers, without bothering about buying demand
drafts for making payments. You also save precious money on the demand draft making charges in addition
to the benefit of keeping money in your account for an additional period, until your cheque is presented for
clearing.
Free Payment at over 500 Locations

In the event of your need to issue a demand draft, we offer unlimited free demand drafts on IndusInd Bank
locations. Also, there is no need to open additional accounts with other banks for demand drafts; our
correspondent bank tie-up ensures that you receive unmatched payment
Reach of over 500 locations, totally free of cost.
Unlimited Transactions, Unlimited Fund Transfer

Indus PRIME Account offers you the flexibility of using the cheque book without worrying about the limit
on the number of free transactions per month.
Electronic Banking
We understand that you need to transfer funds to the remotest corners of India within the shortest time; the
Indus PRIME Account offers you unlimited free fund transfer through NEFT, while fund transfer through
RTGS are priced at a competitive rate.
Free Collection Services

Cheque drawn on any location where IndusInd Bank has a branch will be credited to your Account without
any service charge, whether presented in local clearing or given to us for outstation clearing.
Fee Collection Services (FCS)

FCS is a tailor-made offering from IndusInd Bank which facilitates fee collections for Education
Institutions through Cash Management Services, called Indus Collect.
Email Account Statements

We offer free daily statements of account on the email ID registered with us.
FCRA Accounts
IndusInd Bank offers FCRA Accounts to the Trusts / Associations approved by the Ministry of Home
Affairs to receive 'Foreign Contributions'. The Bank offers attractive foreign exchange rates and unique
facilities for receiving remittances, making donations much faster and convenient.
Investment Opportunities
Multiply Your Returns

Indus PRIME offers you an opportunity to earn Fixed Deposit (FD) Interest while enjoying the
convenience of accessing the money when required. You can instruct us to sweep your excess balance into
Fixed Deposit and link it to Indus PRIME Account, to allow for automatic reverse sweep whenever a
cheque is presented for clearing against your Account. The Fixed Deposits will be broken in LIFO basis for
the reverse sweep.
Mutual Fund Investments

We have tied up with leading Asset Management companies to maximize opportunities for you. You can
get in touch with our investment councilors or the nearest branch to help you in selecting the best option
suited for your goals.
SCHEDULE OF CHARGES
Monthly ADB 1,00,000
Balance Non-Maintenance Charge Rs. 1,000 pm

Payments
Cheque Book (At Par) Free
Cheque Transaction Based Free
Fund Transfer (Within IndusInd) Free
DD / PO (On IndusInd) Free
DD (Correspondent Bank) Free
DD (Non-Correspondent Bank) Rs 3/1000, min Rs.100 and max Rs15,000
DD / PO Cancellation / Duplicate(Only for
Rs. 100 per instrument
IndusInd)
DD / PO Revalidation (For IndusInd) Rs. 50 per instrument
Cash Withdrawal (Home Location) Free
Cash Withdrawal (Non-Home Location) Rs. 1/1000
NEFT Free
RTGS Free
ECS Payments Free

Collections
Local cheque/DD/PO (Home Location) Free
Local cheque/DD/PO (Non-Home Location) Free
Outstation Cheque on IndusInd Location Free
Rs. 1/1000, min Rs. 50 and max Rs. 150 per
Outstation Cheque on non IndusInd Location
Instrument
5 times of previous month ADB free, thereafter Rs.
Cash Deposit (Home Location)
2/1000
Cash Deposit (Non-Home Location) Rs. 2/1000, deposited
NEFT Free
RTGS Free
Doorstep Banking*
Cash Delivery / Pickup (Per Call)
Till 2 lacks Free once a day
2 - 5 lacks Rs. 250
5 -10 lacks Rs. 400
10 - 20 lacks Rs. 800
20 - 50 lacks Rs. 1,100
50 lacks Contact Branch
Cheque Pickup (On Call) Free once a day

Others
ECS Return Rs. 200

Cheque Return (Inward) Rs. 250 per cheque
Cheque Return (Outward - IndusInd Location) Rs. 50
Cheque Return (Outward - Outstation) Rs.100 per cheque + Out of pocket charges
Stop Payment (Single Instrument) Rs. 100
Stop Payment (Cheque Series) Rs. 150
Account Statement (e-Statement) (Monthly) Free
Account Statement (Physical) Quarterly
Duplicate Statement / Ad hoc Statement Rs. 10 per page
Dormant Account Free
At select location only
Toll Free No.: 1800-22-0061(for BSNL and MTNL subscribers) or 022-4406 6666
please refer to the Schedule of Charges for details. All offers subject to change at the sole discretion of
the Bank
INDUS YOUNG SAVER

Specially designed to
build and secure your child’s future
At IndusInd Bank, we understand your varied needs as a parent– getting the best education for your
children, savings for their future, ensuring their good health and habits – you always wish you had the time
and resources to give them the best they deserve.
As a Bank we feel a strong responsibility in securing your financial future – not just by offering you a
portfolio of savings and investment solutions for your family, but by also bringing to you a treasure-chest
of knowledge-based solutions to help your children learn smartly and sow the seeds of intellectual wealth.
Knowledge is Wealth
towards this end, we have tied-up with Educational Initiatives (EI), India’s leading educational diagnostic
tests provider for students in classes 3 to 10. EI is an educational research and services organization
working with more than 2 lakh school children annually, providing strength/weakness analysis at a
subject/skill level, benchmarking with other students nationally and delivering online improvement
programs that your child can avail of as per his/her convenience and need.
For our privileged customers, IndusInd and EI bring the following attractive offers:
Free ASSET Online Test – Skill-Based Diagnostic Test:

ASSET Online is a special test which helps students improve. Unlike regular tests which merely try to find
out how much a child can reproduce (or has memorized), this test measures how well a student has
understood concepts and gives detailed feedback on the same, including comparisons with peers to help
He/she improve. The test is available online and can be taken by students of classes 3-10 in Math’s,
Science and English.
Special Discount of Mind spark - Digital Adaptive Learning Solution:

Mind spark is a computer based self-learning program that helps the child hone his/her skills in Moths.
Through intelligent program logic, it allows each student to follow a learning path that is based on his/her
specific need- at a pace he/she is comfortable with. The interactive interface ensures that the student learns
actively by answering questions of progressively increasing complexity levels and not by passively
listening to someone, or viewing ready-made solutions.
You can subscribe to Mind spark for one, six or twelve months– all of which would be offered to you at a
special discount of 20%. Students get detailed daily work reports and parents get weekly progress reports
free with the subscription.
How to avail of the ASSET Online special benefits in 3 easy

steps:
1. Logon to www.assetonline.in and register
2. After you’ve registered, select the test type under ‘Purchase Tests Online’, and then provide your
IndusInd Debit Card Number
3. Proceed and take one test free
If you purchase a second test using IndusInd payment gateway online payment, you get a 50% refund on
the second test, which will be credited to your IndusInd account as a cash back.
How to avail of the special discount on Mind spark in 3 easy steps:

1. Logon to www.mindspark.in
2. Purchase a subscription at a special discount of 20% by using the IndusInd Bank payment gateway
for online payment (click on “Buy Mind spark”)
3. Login to Mind spark for an exciting learning experience the discount will be credited to your
IndusInd account as a cash-back.
The Young Saver Account

The Indus Young Saver account is specially designed to build your child’s financial and intellectual wealth.
You can avail of the above offers if you open a Young Saver account for
Your child which gives you the following additional benefits:
 Open the account with a minimum deposit of Rs.11/-, this account can be opened as a free add-on
account with a regular IndusInd Savings account
 A combination of Savings Bank Account and Flexi Recurring Deposit
 Balance in Savings Bank Account will be transferred to a Flexi Recurring Deposit on the last day
of every month, leaving Rs.100/- in SB account
 Tenure of Flexi Recurring Deposit - 6 months to 120 months
 TDS not applicable on Recurring Deposits
You can setup Standing Order Instructions from your account to your child’s Young Saver Account and
watch his savings grow. What’s more, to inculcate healthy saving habits in your child you can request for a
Debit Card where you can set the limit on how much he/she can spend/withdraw on a daily basis!
Toll Free No.: 1800-22-0061 (for BSNL and MTNL subscribers) or 022-4406 6666
*Please refer to the Schedule of Charges for details. All offers subject to change at the sole discretion of the
Bank.
DEPOSIT
You have worked hard to earn your money. Now, let your money work hard to earn for you … with
IndusInd Bank Fixed Deposits.
The BENEFITS of fixing your deposits with IndusInd Bank
> Flexible range of tenures to suit your investment plans

> Choice of various Fixed Deposit schemes
> Interest payable monthly, quarterly, half yearly, annually or at maturity as per your convenience
> Interest is payable by cheque or by credit to your Savings / Current account
> Competitive interest rates
> Nomination facility available
> Partial withdrawals permitted
> Auto Renewal facility
> Special rates for Senior Citizens
> Recurring Deposits which encourages savings
Eligibility
IndusInd Bank Fixed Deposits can be opened by Individuals, HUFs, Sole Proprietorships, Partnership
Firms, Ltd. Companies, Guardians on behalf of Minors, Societies, Clubs, Trusts and Associations .
Tenure
7 days up to 10 years.
Amount
> The initial minimum amount to invest is INR 10000.00
> There is no maximum amount.
> For Senior Citizens, the minimum amount is INR 50000.00
> for deposits above INR 1 core, please contact your branch for special rates
FLEXI TERM DEPOSIT
IndusInd Bank extends flexibility in partial withdrawal of Term deposit without affecting the remaining
portion of deposit.
Minimum Deposit amount

Rs.10000/-
Interest Rate
As applicable to Term deposits including Senior Citizen benefits
TDS on Interest
Applicable
Deposit Tenor
7 days to 120 months
Documents required
> Application form
> Passport size photograph
> Proof of Residence
> Introduction
Features
Term deposit is treated as a cluster of Rs.1000 units and part withdrawals are being treated as closure of
units with applicable rate of interest.
Nomination facility
Available
Premature Closure
Allowed
Best For
Individuals and Corporate who are in need of short term investment
SWEEP –IN & SWEEP –OUT DEPOSIT
IndusInd Bank offer Sweep out facility over a cut off limit in CA and SB accounts. Similarly, the Term
deposits would be closed and credited to the CA/SB account (Sweep-in) as and when it is required, with
minimum interest loss to the customer
Savings Account- As per the account type held, refer to specific Savings Account product feature
Current Account- As per the account type held, refer to specific Current Account product feature
Interest Rate
As applicable to Term deposits including Senior Citizen benefits
TDS in Interest
Applicable to the Term deposits
Deposit Tenor
Documents required
> Application form
> Introduction
Features
Balance over the specified amount maintained in the transaction account, will be automatically transferred
to Term Deposit for a predetermined period, as per customers instruction. In case of insufficient balance in
the CA/SB account at any point in time, required amount will be transferred to these accounts by breaking
deposits to the benefit of the customer
Nomination facility
Available
Premature Closure
Allowed
Best For
Individuals and Corporate who are getting continuous float in CA/SB
YOUNG SAVER DEPOSIT
IndusInd Bank inculcate savings habit among children with high return on their savings by linking Savings
Bank Account with Flexi Recurring Deposit. Account is being opened and operated by the guardian for the
minor
Opening Balance
Rs.11/-
Interest Rate
As applicable to Term deposits in the case of Recurring Deposit
TDS in Interest
Recurring Deposits are exempted from TDS
Deposit Tenor
6 months to 120 months
Documents required
> Application form
> Introduction
Features
Balance in Savings Bank account will be transferred to a flexi recurring deposit on the last day of every
month, leaving Rs.100/- in SB account
Nomination facility
Available
Premature Closure
Allowed
Best For
Young children
SENIOR CITIZEN
IndusInd Bank offer special rates to Senior Citizens on Term Deposits

Rs.25000/- No maximum
Interest Rate
+ 0.50% than the actual rate for General Public
TDS on Interest
Applicable
Deposit Tenor
Documents required
Application form
Passport size photograph
Proof of Age & Residence
Introduction
Features
Special rate is applicable to Senior citizen those who have completed 60 years of age. In case of joint
deposits, the first name should be of the Senior citizen.
Deposits under Senior citizen should not be used as security for commercial purposes
Nomination facility
Available
Premature Closure
Allowed
Best For
Senior Citizens who have completed 60 years of age.
REGULAR RECURRING
IndusInd Bank accumulates your monthly installments with high yield through its Recurring Deposit
Scheme
Opening Balance
Rs.500/-
Interest Rate
As applicable for term deposits including the benefits of Senior Citizens
TDS in Interest
No TDS as per current regulations
Deposit Tenor
Documents required
Application form
Passport size photograph
Proof of Residence
Introduction
Features
Fixed monthly installments are being remitted to Recurring Deposit by a Standing Order, ECS Mandate or
by regular direct remittance
Nomination facility
Available
Premature Closure
Allowed
Best For
Business class and Self employed with varying income stream
RECURRING / FLEXI RECURRING DEPOSIT
IndusInd Bank guarantee higher return on your recurring deposit along with the flexibility of varying
monthly installments
Opening Balance
Rs.1000/-
Interest Rate
As applicable for term deposits including the benefits of Senior Citizens
TDS in Interest
No TDS as per current regulations
Deposit Tenor
Documents required
> Application form
> Introduction
Features
Recurring Deposits are treated as unit of Re 100/-
Nomination facility
Available
Premature Closure
Allowed
Best For
Business class and Self employed with varying income stream

LOANS
IndusInd Bank offers a range of loan schemes for all your special needs that require finance.
Features:
> Simple Paperwork
> Fast Processing

> Calculate your monthly installment on EMI Calculator
Contact your nearest branch to know more!
Home Loan for Resident Individuals
Home Loans

For construction of a Residential Property
Purchase of house / flat
Take over of an existing Loan
For Renovation / Improvement / extension of House

Margin

15% of the Property cost as assessed / approved by the Bank
Security
House property. Spouse to stand in as Co-applicant to the loan (wherever applicable).

Equitable Mortgage to be created by the borrower.
Quantum
Minimum Loan of Rs.2 lakes
Prepayment charges
2% (+ Service tax and Cess as applicable) of outstanding amount
Best For
Salaried & self-employed Individuals

HOME LOANS FOR NRI
Home Loan for Non Resident Individuals
Home Loans

For construction of a Residential Property
Purchase of house / flat
Take over of an existing Home Loan
For Renovation / Improvement / extension of House

Margin

15% of the Property cost as assessed / approved by the Bank

Tenure
Maximum 120 months
Security
House property within India. Equitable Mortgage to be created by the borrower.

Personal Guarantee by the applicant’s Power of attorney (POA) holder. This POA should be an Indian
Resident Individual and preferably a blood relative of the applicant.
Quantum
Minimum Loan of Rs.2 lakhs
Rate of Interest (Applicable with reference to the Current BPLR of 17.00%)
11.25 % floating rate for a tenor of 2 to 10 years for loan quantum less than Rs.30 lakhs
11.75 % floating rate for a tenor of 2 to 10 years for loan quantum more than Rs.30 lakhs

Prepayment charges
2% (+ Service tax and cess as applicable) of outstanding amount
Processing Charges
0.25 % (+ ST & Cess as applicable) of the loan amount applied for as processing fee
0.50% (+ ST & Cess as applicable) of the sanctioned loan amount as administrative fee
Best For
Salaried Individuals.
SMALL & MEDIUM ENT

For any business to succeed, the availability of funds throughout its life cycle is of paramount importance.
We offer a wide range of services to meet all the banking requirements of small and medium enterprises.
The limits are fixed keeping in view the enterprise's need for funds against the value of the security, margin
available and credit worthiness of the borrower's enterprise.
COMMERCIAL VEHICLE LOAN
Eligibility
> You or your guarantor should have at least 3 years experience in relevant transport operations.

If you are new to this field, your guarantor should meet this criterion.
> You or your guarantor should own at least one free vehicle.
> You or your guarantor should have been a resident of that area at least for three years.
> You or your guarantor should own immovable unencumbered property equivalent to the amount
financed and a copy of the property deed and tax paid Chillan to be furnished.
> Cash generation potential from the vehicle should be at least 1.3 times of the installment payable
after meeting all operational expenses.
> Your guarantor should be known to you and should preferably be our existing customer.
He should not be your relative.
> For special purpose vehicle (e.g. Tippers), you should have concluded contracts covering at
least 50% of the proposed contract tenure.
Purpose:
For the purchase of new and used commercial vehicles of all manufacturers.
Documents
> Proof of residence - Ration card or Passport copy or Voter's ID

> Contract copies for special purpose vehicles/ vehicles deployed against specific contracts
> Statement of earlier loans taken
Copy of property deed for immovable property owned
> RC book photocopies for vehicles owned
> Copy of Income Tax and Wealth Tax returns for past two years
> Details of your guarantor - his business, net worth, IT returns & Wealth Tax term copies.
Partnership Firms
> Partnership Deed and authorization letter for partnership firms.

> Profit and Loss account and Balance Sheet for past 2 years.
> Registration Certificate
> Copy of property deed for immovable property owned
> Details of your guarantor - his business, net worth, IT returns & Wealth Tax term copies
CAR LOAN
Eligibility
Salaried Individual:
> You should be employed for a minimum of 2 years

> Your minimum net salary should be Rs 1.5 lakhs per annum
Your net monthly take-home salary should be at least 2 times of the total monthly installment including
proposed and rent paid
Your loan to income ratio to be max 2 times.
You should be within 25 - 60 years of age(or retirement age which ever is lesser- at the end of loan period)
You should be residing at the current address for a minimum of one year and in the city for 3 years
Professional / Partner / Proprietor/Director:
You should be in business for a minimum of 3 years.

Your minimum gross income should be Rs.1.5 lakhs per annum
Your loan to income ratio to be max 2 times.

Your Income to Annual emi of proposed loan to be minimum 2 times
You should be self employed within 30- 65 years of age.
Your current place of residence should be occupied for a minimum of one year and in the city for 3 years
Co-borrower

You should provide a co-borrower who resides in the same city
Co-borrower to give ID proof, Signature verification, Residence proof
If necessary, Co-borrower may need to give income documents also

Other Terms
Two references to be provided for both borrower and co-borrower
Minimum Loan amount: Rs 1 lakh for new cars and Rs 50k for used cars
Minimum Tenor: 1 year, Max tenor: 4 years for new cars and 3 years for used cars
Loan to Value (%) Up to 85% for new cars and up to 75% for Used Cars (Varies according to models)
No of present owners in Used Cars: Maximum 3
Age of Used Car at the end of loan period: Maximum 8 years (Varies according to models)
Documentation
Salaried individual
The salary slips from the last 2 months.

Form 16 for latest year
Proof of residence.
A signature verification from a bank or a valid driving license/Passport copy/Pan card copy and bank
statements for the last six months.
Proof of two years of employment.
Your photograph.
Identity proof
Telephone number of your office/residence and postpaid or residence landline bill copy
Self-employed / Proprietor
The balance sheet and profit and loss account attested by a CA for the last 2 years.
Copies of Income Tax return and computation of income tax for the last 2 years.
Signature verification from a bank/driving license/passport copy/pan card copy and bank statements for the
last six months.
> Identity proof
> Proof of residence.
> Telephone number of your office/residence along with postpaid/landline bill copy latest.
Partner in a Firm
> ITR,computatiion of income, Balance sheet and profit and loss account attested by a CA for the last 2
years.
> Bank statements for last 6 months
> Partnership deed copy.
> Letter of authority/consent letter from all partners to execute the agreement.
> Proof of residence, signature verification(Any one of above as indicated)
> Identity proof
> Telephone bill copy

Director in a company

> IT returns, Balance sheet and profit and loss account attested by CA for the last 2 years for the company
> Bank statements for last 6 months
> Individual IT returns in case car is to be in individual name
> MOA/AOA of the company
> Board Resolution (In case the company is part of the agreement)
> Proof of residence, signature verification(Any one of above as indicated)
> Telephone bill copy.
TWO WHEELER LOAN
Eligibility:-

Salaried Individual (SI)
You should be employed for a minimum of 3 years and with the current employer for a minimum
period of 1 year.
Your minimum gross salary should be Rs.8,000/- per month.
Your net monthly take-home salary should be at least 3 times of the monthly installment.
You should be within 60 years of age.
You should be residing at the current address for a minimum of 2 years.

Self Employed Professional/ Non-Professional (SEP/SENP)
You should be in business for a minimum of 5 years and in current business for a minimum period of 2
years.
Your minimum profit should be Rs.1, 00,000/- p.a.
You should be within 60 years of age.
Your current place of residence should be occupied for a minimum of 2 years.

COMMON NORMS (SI/SEP/SENP)
All your existing loan and other fixed commitments would be considered in arriving at the eligibility.
Your Bank Account track record and CIBIL data should be good.
Your credentials would be verified with references given and independently by doing verification at
your residence and place of work / business.

DOCUMENTATION
Age proof (where your age is <24 years or >58 years).
Identity Proof.
Proof of Residence.
Salary slips for the last 3 months (SI) / copies of Income Tax Return and computation of Income for the
last 2 years as filed (SEP/SENP) and Balance Sheet & Profit and Loss accounts duly audited.
Last 6 months’ bank statement of the salary credit account along with all/any other bank accounts held
(SI) / of primary bank account (SEP/SENP).
Proof of Business (SEP/SENP).
Application Form duly filled / recent passport size photograph affixed.
CONSTRUCTION EQUIPMENT LOAN
Eligibility
> You and your guarantor should have a minimum of 2 years experience in
construction/relevant field.
> The contract against which equipment is to be deployed should be awarded in your name.
> If the contract against which the proposed equipment to be deployed is a subcontract,
the main contract should guarantee the proposal
> Estimated gross receipts from contracts on hand should be at least 2.5 times the finance amount.
> The tenor of the contract against which the equipment to be deployed should be co-terminus
with our Hire Purchase contract term. Else you have to provide proof of alternate contracts
held/possibility of new contracts.
Purpose
For purchase of Construction/Earth Mining Equipment of all brands.
Documents
Individuals
> Proof of residence - Ration card or Passport copy or Voter's ID.

> Contract copies of contracts executed, on hand and full details of cost against which this
equipment is to be deployed.
> RC book photocopies for vehicles owned and details/proof of other machinery already owned.
> Copy of Income Tax and Wealth Tax returns for past two years.
> Details of guarantor - his business, net worth, IT returns & Wealth Tax term copies.
Partnership Firms
> Partnership deed and authorization letter for partnership firms.

> Profit and Loss account and Balance Sheet for past 2 years.
> Registration Certificate of Partnership Firms
> Details of your guarantor - his business, net worth, IT returns & Wealth Tax term copies
LOAN AGNST DEMAT SHARES
Indus Demit Cash Scheme

Eligibility
Adult Individuals
Purpose
The loan is given for any of the purposes broadly categorized as under :
Personal Purposes:
For meeting personal expenses like for marriage, housing, education, medical etc.
Business Purposes:
For meeting financial requirements for your professional or business purposes other than operations on
stock markets
Loan Amount
Minimum Rs. 1 lac, Maximum Rs.20 lacs
Security
Equity Shares of the Companies on the approved list of the Bank held in demit form.
Margin
40% of the value of shares for approved Stocks only.
Value of Shares
Current Market Price
Period of Loan
For 12 months. May be renewed on request, at Bank's discretion:
Conditions:
Current Account to be opened with the Bank for availing the OD facility
Depository Account to be opened with the Bank for holding the Demat shares.
Only Demat shares from the Banks' approved list will be accepted as security. However shares held with
other Depository Participants may also be accepted as security.
If the value of shares pledged falls and after deduction of margin amount the residual value is not adequate
to cover the outstanding in the loan account, the amount of shortfall should be paid or additional shares of
adequate value should be pledged within 24 hours.
Penal Interest
2% over the applicable rate in case of irregularity or overdue in the account.
Default
If the shortfall in the account is not rectified either by payment of funds or by pledging additional shares the
Bank may at its discretion sell the shares for recovery of its dues wholly or partly, without any notice.
Documentation
Simple Documentation.

For further details contact any of our Branches or write to reachus@indusind.com
LOAN AGNST PROPERTY
Loan against Property for Business
IndusInd Bank extends credit facilities for business development against collateral security of house
property
Nature of facility
Loan or Overdraft
Margin
Collateral security of 133%
Security
Equitable mortgage of property
Quantum
Rs.5 lacs to Rs.50 lacs
Repayment
60 equated monthly installments
Best For
Small Businessmen and Traders
LOAN AGNST RENT RECD
Discounting of Lease Rental
IndusInd Bank extends credit limits to landlords who have let out their property to Banks, MNCs and other
institutions.
Nature of facility
Loan or Overdraft
Margin
25%
Quantum
According to the unexpired rent receivable less TDS
Rs.5 lacks to Rs.100 lacks
Security
Equitable mortgage of property let out
Repayment
Out of rental income
Best For
Landlords
LOAN AGAINST MUTUAL FUNDS
IndusInd Bank solves your liquidity problem without liquidating your long term investment.
Nature of facility
Overdraft
Margin
50% of the repurchase value/NAV.
Security
Pledge of Mutual funds unit.
Quantum
Maximum Rs.20 lacs.
Repayment
Service the monthly interest and settlement of account with own sources or by disposal of units.
Best for
Individuals investing in Mutual Funds
CREDIT AGAINST SPECIFIED SECURITIES
IndusInd Bank solves your liquidity problem without liquidating your long term investment.
Nature of Facility
Overdraft
Margin
20% of face value
Security
Pledge of specified security
Quantum
No ceiling
Period
Renewable every 12 months
Repayment
Service the monthly interest. Settle account with own source or by bullet payment at the time of maturity
Best for
Salaried class and IT payers
TRADERS ADVANCES
IndusInd Bank extends Working Capital limits to small traders and businessmen on the basis of turnover
and other parameters.
Nature of facility
Demand Loan / Overdraft
Margin
25%
Security
Primary security of stock and collateral security of property.
Quantum
20% of annual turnover up to Rs.10 lacs. Projected turnover and audited financial statements for credit
limits over Rs.10 lacs and the eligibility would be fixed as per various financial parameters.
Repayment
By monthly installment / on demand and servicing of monthly interest.
Best for
Wholesale / Retail traders with valid license / registration
REGULAR DEBIT CARD

Surprising how a slim piece of plastic with a magnetic strip eases life! Whether it is an ATM card or a
credit card, there are definite advantages to the increasing trend of cashless transactions. But not without
limitations.
The advantage of almost universal acceptability of a credit card comes with a subtle disadvantage of
indulging in extravagance without thought of prudence. The ATM card, while ensuring that you do not
spend beyond limits also comes with the inconvenience of hunting for an ATM center every time you need
cash.
Trust technology to come up with the ideal solution that combines the advantage of both the ATM card and
the credit card with the limitations of neither: The Debit Card!
And trust IndusInd Bank to bring it to you - the IndusInd Bank Visa Power Card - an International Debit
Card that is as widely accepted as a credit card but restrains you from overspending!
After all, for someone like you who is going places, you need a card that can accompany you too! The
IndusInd Bank International VISA Power Card ensures that there are no inconvenient detours to an ATM
Center in your journey to your destination, be it shopping, eating out, traveling or whatever. Using the
VISA Electron Online debit card program, your IndusInd Bank Account will instantly debited every time
you transact using your Power Card at any VISA-accredited Merchant Establishment or ATM, anywhere
across India or the world.
Visit your nearest branch for more information and our Customer Service Executive will attend to all your
queries. Kindly read the terms & conditions.
Benefits
International Access to ATM
India
- Over 350 ATM of IndusInd Bank in India
- Over 30,000 VISA / PLUS ATMs in India
Use any ATM of our network partner- VISA, MITR, NFS & SBI.
International
- Over 1 million VISA / PLUS ATMs across the globe
Merchant Establishments
India
- Over 3, 50,000 Merchant locations.
International
- Over 26 Million Merchant locations.
Usage Advantage
The daily limits per card are as follows:

At ATMs : Rs. 25,000*
At Merchant Establishments: Rs. 50,000*
*subject to the balance in your account
Eligibility
Resident Indians holding any of the following Account(s) with IndusInd Bank
Savings Account
Current Account (Sole Proprietorship)
Comfort Account (Salary Account)
Non-Resident Indians holding any of the following NRE Account(s) with IndusInd Bank
NRE Savings Account
NRE Current Account
Charges
There is no charge for using the card at IndusInd Bank ATMs.

There is no charge for using the card at a Merchant Location (However, at Petrol Pumps and Railway
Stations transaction charges are levied as per Industry practice)
Tariffs
Annual Fee : Rs 100/- per card

Duplicate Pin : Rs. 50/- per card
Transaction Fee
Transaction Cash Withdrawal Balance Inquiry
Domestic Visa/ Plus ATMs Free Free
International Visa/ Plus ATMs Rs 125/- Rs 25/-
Service tax @ 10.30% will be levied on all fees charged by the bank.
Activation
To enhance security and ensure that your PowerCard is not misused, please use your IndusInd Bank
PowerCard at any IndusInd Bank / Visa linked ATM using the PIN mailed to you separately. You can
either check your account balance or withdraw cash.
We recommend that when you change the PIN to one of your choice immediately. Also please keep
changing your PIN periodically. Once your PowerCard is activated you can start using it immediately at
any VISA Merchant Establishment or VISA ATM across the world. If you have an ATM card currently,
please cut the ATM Card diagonally into two pieces and discard the same.
Lost or Stolen Card

In the event of the PowerCard being lost or stolen, this must be reported to any branch of IndusInd Bank in
India or to the VISA Global Assistance Services Helplines whilst abroad.
The loss or theft of the PowerCard should be reported to IndusInd Bank immediately. Although loss or
theft may be reported by any means, you must confirm the same in writing to IndusInd Bank as soon as
possible. A copy of the acknowledged police complaint must accompany the written confirmation.
Should transactions be received by IndusInd Bank after the PowerCard has been lost or stolen but before
receipt of your written communication, you shall be liable for all amounts debited to the account.
IndusInd Bank is fully indemnified against any liability (Civil or Criminal), loss, cost, expenses or damages
that may arise due to loss or misuse of the PowerCard in the event that it is lost and not reported to
IndusInd Bank, or lost and misused before IndusInd Bank is informed.
Provided you have in all respects complied with the terms and conditions, a replacement Card may be
issued at the sole discretion of IndusInd Bank.
Should you subsequently recover your PowerCard, it must not be used. Please destroy the PowerCard by
cutting it into several pieces through the magnetic strip.
Zero Lost Card Liability Insurance

The insurance benefit provided on the Card will be available as per terms of the relevant insurance policy
in force, as long as you are and remain a Cardholder of IndusInd Bank with your account conduct being
deemed satisfactory and in the event of the Card and/or account facility being terminated for whatever
reason, the benefit of such insurance cover shall automatically and ispo facto cease to be available from the
date of cessation of membership.
The Zero Lost card liability insurance cover has been taken by IndusInd Bank from National Insurance
Company as per the warranties, exclusions and conditions mentioned in the standard policy form and
subject to a limit of indemnity as stated in the policy. The cover under this policy is against debits
established against IndusInd Bank as a result of the use of a lost or stolen card by any unauthorised person
to purchase tangible goods or services.
Cover is restricted to seven days from the date of discovery of the theft or loss of the card. The meaning of
'debits' within terms of this policy shall be 'those debits occurring between the time of reporting of
loss/theft of Debit Card by the cardholder to IndusInd Bank and the time of hotlisting of such a debit card'.
IndusInd Bank does not hold any warranty and/or make representation about quality, delivery of the cover,
claims processing or settlement of the claim by National Insurance Company in any manner whatsoever.
The insurance benefits are available to you regardless of other existing insurance that you may avail of.
You may be asked to submit additional documents, as per the requirements of the case.
IndusInd Bank will not be liable for any delayed settlement of claims.
There will be no coverage provided on cash withdrawals done through ATMs; as such transactions require
the use of a PIN which is confidential to you.
For any queries please feel free to call our Customer Care Executives on our Toll Free number 1800-
22-0061 (for BSNL and MTNL subscribers) or 022-4406 6666.
Global Customer Assistance Numbers

Debit Card Cardholders from IndusInd Bank can receive global assistance, 24 hours a day, 7 days a week,
when they travel overseas, from VISA Global Customer Assistance Services. These services can be used
for lost/stolen card reporting or miscellaneous information that you may require overseas regarding
medical, legal or other matters.
These services are available to you at the following toll-free numbers:

Australia: 1-800-45346
Hong Kong: 800-900-782
Canada: 1866-639-1911
United Kingdom: 0800-169-5189
Singapore: 800-4481-250
United States: 1866-765-9644
France: 0800-904-349
Germany: 0800-1822891
Japan: 0053-44-0022
If in any other part of the world call: 410-581-9994 (for reporting lost card only).
Please note that the services are charged as follows:
Miscellaneous Customer Service enquires: US$ 5 per call.

Lost/stolen Card reporting: US$ 35 per card
GOLD DEBIT CARD
IndusInd Bank is pleased to bring you its value added Gold Debit Card. This card is designed for YOU, to
exceed your expectations at any of the VISA ATMs or Point-Of-Sale terminals, in any part of the world.

Unique Features / Benefits of Gold Debit Card:
Usage Advantage
The daily limits per card are as follows:

At ATMs: Rs. 50,000* #
At Merchant Establishments: Rs. 1, 00,000*
* Subject to the balance in your account
# In the case of other Bank ATMs, customer has to do multiple transactions due to the different transaction
limits set by different banks.
International Access to ATM
India
- Over 350 ATM of IndusInd Bank in India
- Over 30,000 VISA / PLUS ATMs in India
Use any of our network partner-VISA, MITR, NFS & SBI
International
- Over 1 million VISA/PLUS ATMs across the globe
Merchant Establishments
India
- Over 3, 50,000 Merchant locations
International
- Over 26 million merchant locations
Other Benefits
0% fuel surcharge from ANY outlet
Personal Accidental Insurance to the tune of Rs. 1,00,000/-
Loss of Baggage liability to the tune of Rs. 50,000/-
Lost Card Liability to the tune of Rs. 1,00,000/-
Purchase protection to the tune of Rs. 50,000/-
Exclusive offers on various Outlets
Free transactions on any VISA ATMS in India
Mobile Alerts on every transaction
24 hours Customer Care
Mobile SIM recharge facility at all IndusInd ATMs
Loyalty points on Mobile recharge and POS transactions
Tariffs
Description of Charges Gold Card

Annual Fee Rs. 250/- per card
Duplicate Pin Rs. 50/- per card
Transaction Fee
-Free on any Visa ATM’s in India, if an average Quarterly Balance maintained is Rs. 50000/- and above.
Transaction Cash Withdrawal Balance Inquiry

Domestic Visa/Plus ATM Free Free
International Visa/Plus ATM Rs. 125/- Rs. 25/-
Service tax @ 10.30% will be levied on all fees/charges charged by the bank.
Global Customer Assistance Numbers:

Gold Debit Card cardholders of IndusInd Bank can receive global assistance, 24 hours a day, 7 days a
week, when they travel overseas from VISA Global Customer Assistance Services. These services can be
used for lost/stolen Card reporting or miscellaneous information that you may require overseas.

These services are available to you at the following Toll-Free numbers:

Australia: 1-800-45345
Hong Kong: 800-900-782
Canada: 1866-639-1911
United Kingdom: 0800-169-5189
Singapore: 800-4481-250
United States: 1866-765-9644
France: 0800-904349
Germany: 0800-1822891
Japan: 0053-44-0022

If in any other part of the world call: 410-581-9994 (for reporting lost Card only).

Please note that the services are charged as follows: Miscellaneous Customer Service enquiries: US$ 5 per
call. Lost/stolen Card reporting: US$ 35 per card.
INDUS MONEY
Indus Money
A Cash Back Program for IndusInd Bank customers
At IndusInd Bank, we believe that the best banking experiences are those that give you more than just
what's expected. And our Indus Money program has been designed keeping this belief in mind. With
IndusInd Bank’s range of Savings Accounts, besides the convenience of accessing your account anytime,
anywhere, the ‘Indus Money’ program rewards you for performing even basic transactions on your
account. Banking couldn’t have been any more rewarding!!!
What is Indus Money?

‘Indus Money' is a unique cash-back program for our customers, which rewards you for all types of
spending on your Savings Account viz.:
 Shopping and e-Shopping

 Utility Bill Payment, Mobile Top-ups
 Cash Withdrawals from our ATMs
 Railway and Airline Ticket Payments
 Investments into SIP, Stocks, etc. through a Standing Instruction (SI) or Electronic Clearing
System (ECS)
You can use any of our Direct Banking Channels viz. Debit Card, ATMs and Internet Banking to avail of
the benefits under this program. And if you are someone who prefers cash
for shopping and miscellaneous payments, you'll not feel left out either, as we reward you for ATM
withdrawals as well!
Indus Money is available to both Gold Debit Card & Regular Debit Card holders. Please refer to the top
left menu for further information on the same.
Your rewards will be credited into your account automatically every month. After all, we believe in making
Banking convenient for you.
Transaction Mode Money Back (for the month)
Debit Card Purchase Re.1/- for every Rs.150/- spent, with noupper cap
Rs.2/- for every Rs.500/- for upto cumulative value of Rs.20,000/-

SI/ECS
p.m
e-Payments or Mobile Top-Up Rs.5/- for every transaction, upto 5 transactions p.m
Withdrawals @ ATMs Rs.2/- for every transaction, upto 5 IndusInd transactions p.m
For further details, please refer to the terms & conditions given below.
What’s more, you would get a bonus of Rs.10/- each for registration of Free e-Statements, Alerts and e-
Wallet Service.
Below is a sample scenario for your monthly transactions and rewards thereon:
Number/ Amount of “Money Back”

Transaction Mode Transactions in a credit
month to account* (in Rs.)
Debit Card
Rs.3000/- 20/-
Purchase
e-Payments Rs.500/- x 5 txns 25/-
SI / ECS Payments Rs.5000/- x 4 txns 80/-
ATM Txn Rs.1000/- x 5 txns 10/-
e-Registrations 3 Regn (1st month) 30/-
Total 165/-
How do I track my Indus Money?
The rewards would be credited to your account the month after transactions are effected. You can track
your transactions and Indus Money credits conveniently through:
 Free Instant SMS Alerts

 Anytime Transaction History on Internet Banking, ATMs
 Free Monthly Email Statements
All-India Contact Centre for any transaction enquiry etc.
Great! How do I get started?
This program is available to all Individual Savings Account holders, who take a Gold Debit Card*. The
Visa Gold Card comes with attractive features viz.:
 Higher Cash Withdrawal limit of Rs.50,000/- per day and Purchase limit of Rs.1,00, 000/- per day
 Personal Accident Cover of Rs.1,00,000/-
 Lost Card Liability to the tune of Rs.1,00,000/-
 Purchase Protection & Baggage Insurance to the tune of Rs.50,000/- respectively
 Exclusive Visa offers on various Outlets
24 hours Customer Care
To get your IndusInd Gold Card, simply call our Contact Centre or visit your nearest Branch.
Terms & Conditions

1. This Money Back offer is applicable to new and existing Gold Card holders.
2. Only Individual Savings account holders would be able to take the benefits of this offer.
3. Payouts applicable only in those months where average balance is above Rs.50,000/- for Indus
Privilege Plus, Rs 20,000.00/- for Indus Privilege and Rs 10,000.00 for all other account products.
4. The credit for transactions in a particular month will be given after 1 month. Example - For
transactions done in the month of January, the credit will be posted in the account by February
end.
5. The minimum cash back amount should be Rs.20/- and 2 spend transactions (with atleast one e-
transaction, example- ATM Cash Withdrawal, Debit Card Purchase, Visa Money Transfer, etc) in
a month to be eligible for credit into the account. There is no carry forward of cash-back awards to
the next month.
6. For ATM cash withdrawals & e-Payments, only transactions above Rs.500/- will be eligible for
cash-back.
7. Cash Withdrawal or internal funds transfer through cheque transaction will not be eligible under
this program.
8. For cash-back on SI/ECS, pay-out per transaction will be capped at Rs.40/- (Spend of
Rs.10,000/-).
9. There is no money-back for fuel transactions on debit card purchase since fuel surcharge is
absorbed by the Bank for Gold Cards.
10. IndusInd Bank reserves the rights to withdraw / modify the offer at any time without any notice
thereof.
INDUS PROTECT
IndusInd Bank is offering its Fixed Deposit customers a Health Insurance Cover - Indus Protect.
This is a value added unique facility to all our existing and prospective term deposit holders in the age
group of 90 days to 70 years, to get Health Insurance coverage, without a medical check-up to the tune of
Rs.1 lakh, under Group Health Insurance cover for Term Depositors of our Bank, at concessional rate.
Benefits:
• Medical Health check exempted /No prior medical reports will be required
• Insurance premium payable under the scheme is at a concession
• Health Insurance coverage is available up to 70 years (Age limit at the time of application is 69)
• Senior Citizens are included
• Paramount Healthcare Management (the most experienced health services provider) or any other TPA
(Third Party Administrator) of choice
• Cash free hospitalization services in over 1400 hospitals across 250+ cities in the country
• Hospitals are included in the network based on stringent evaluation on quality of services and treatment
facilities
• TPA will provide identity cards for customers (to be displayed for getting admitted)
• Simple documentation
• Master Policy with Individual certificates will be provided to customers through IndusInd Bank
Features:

• Hospitalization (Due to Illness or accidental Injury)
• Room and board
• Doctor’s fees
• Intensive Care Unit
• Nursing expenses
• Surgical fees, operating theatre, anesthesia and oxygen and their administration
• Physical therapy
Drugs and medicines consumed on the premises

• Hospital miscellaneous services (such as laboratory, x-ray, diagnostic tests)
• Dressing, ordinary splints and plaster casts
• Costs of prosthetic devices if implanted during a surgical procedure
• Organ transplantation including the treatment costs of the donor but excluding the costs of the organ

Post-hospitalization Expenses: up to 60 days. Immediately following the Insured’s discharge when he
requires further medical treatment directly related to the same condition for which the Insured was
hospitalized.

Pre-hospitalization Expenses: up to 30 days. If the Insured is diagnosed with an Illness which results in his
Hospitalization and for which the Insurer accepts a claim under hospitalization benefit. (Provided that those
60 days start & end within the policy period.

Day Care Expenses: for hospitalization even less than 24 hours. Close to 150 minor surgeries will be
covered under this benefit that require more than 2 hours, but less than 24 hours.

Local Ambulance Services: in event of emergency. Emergency ambulance road transportation by a
licensed ambulance service to the nearest Hospital where Emergency Health Services can be rendered.
Coverage is only provided in the event of an Emergency up to the limits given in Schedule of Benefits.
To Register for Indus Protect all you need to do is download and complete the Application Form with
your details along with your signature and send across to your branch along with the documents required.
WEALTH MANAGEMENT SERVICES
IndusInd provides a holistic view of a client’s current financial situation. We integrate

goal-based financial planning, advanced portfolio management and asset allocation,
allowing us to make dependable recommendations and successfully manage valued and
trusted relationships.
Wealth management and financial planning requires the consideration of numerous

aspects of wealth accumulation, preservation and transfer and their ramifications on you
and your family. Through our comprehensive and strategic approach, we assist you in the
development of integrated financial strategies that are consistent with your personal
goals. With our special expertise and organizational tools, we help you effectively
monitor your assets and financial plans. We simplify the demands of managing your
wealth in order to enable you to devote more time to your business, your personal
endeavors, and your family.
In constructing your investment portfolio, we draw upon a comprehensive range of

financial products. Depending on what suits your needs best, we can build an asset
allocated investment portfolio for you, which could consist of Mutual funds, Equity IPO,
Insurance, Bonds, and Gold etc.
For visiting our Wealth management website please click the link below
INVESTMENTS
IndusInd Bank offers you personalized investment options to help achieve your financial objectives.
Solutions are tailor-made to suit each individual's requirements. We offer a host of financial instruments
that includes Fixed Deposits, Mutual Funds, Bonds and Insurance products .
GENERAL INSURANCE
IndusInd Bank offers customized solutions that include Accident, Health, Liability,
Marine, Motor, Property, Travel & Rural Insurance for individuals as well as corporate
customers in association with Cholamandalam MS General Insurance Company Ltd.

Cholamandalam MS General Insurance Company (Chola MS) is a joint venture between
the US$ 3 Billion Murugappa Group & Mitsui Sumitomo Insurance Group Japan.
Murugappa Group is a pioneer and market leader in various fields and has strong
presence in fertilizers, Sugar, Abrasives, Cycles, bathroom accessories and Consumer
finance. Mitsui Sumitomo is the second largest insurance Group of Japan with a net
written premium of US$ 12.39 Billion in General Insurance. Chola MS is headquartered
in Chennai and has 113 offices spread across India.

Health Insurance

Motor Insurance

Home Insurance

Travel Insurance

IndusInd Bank is the Certified Corporate Agent for Cholamandalam MS General
Insurance Company (Chola MS) and nothing contained on the Website shall constitute or
be deemed to constitute an advice, an offer to purchase or an invitation or solicitation to
undertake any activity or enter into any transaction relating to the General Insurance
Products. Participation by all IndusInd Bank customers is voluntary.

Insurance is the subject matter of the solicitation.
SUVARNA MUDRA
Suvarna Mudra – A range of 999.9 pure gold coins

Attractively priced gold coins (5gm and 10gm) and ingot (50 gm)

Magnificently designed product, presented in Tamperproof Assay Certified Certicard

Highest purity – 999.9

Available at all IndusInd branches across the country
 Can be purchased by cash (up to Rs. 50,000), debit to account (IndusInd customers) or against Payorder /Demand Draft.
In case of DD/PO, delivery will be affected only after receipt of clear funds.
 Can be purchased by non-customers too.
Discount available for bulk purchases
LIFE INSURANCE
IndusInd Bank offers customized insurance solutions which offer comprehensive product portfolio meeting
all customer life cycle needs of Child planning, Savings, Retirement Planning and Protection in association
with Aviva Life Insurance. Aviva Life Insurance India is a joint venture between one of the country’s
oldest and largest groups, Dabur, and Aviva plc, the world's fifth largest and the UK's largest insurance
group, whose association with India dates back to 1834.
With a strong sales force of over 30,000 Financial Planning Advisers (FPAs), Aviva has initiated and
pioneered many innovative sales approaches, including the concept of Bancassurance and Financial Health
Check services.
A seasoned team of fund managers make our fund management are one of the key differentiators with
Aviva. Keeping with Aviva’s commitment of social responsibility, Aviva has been successful in reaching
out to the underprivileged strata through their Microinsurance initiatives.

Aviva brings to you, not just a robust product portfolio meeting all your lifecycle needs related to –
Savings, Retirement, Investments and Protection but right investment strategie that will help you plan for a
secured future
CORPORATE BANKING
IndusInd Bank provides a wide array of commercial, transactional and electronic banking products to
corporate clients in India, both large, and small and medium scale enterprises. We have innovative products
designed with focused approach to suit requirements of various segments.
We offer corporate banking services including working capital finance, term loans, trade and transactional
services, foreign exchange and cash management services. The facilities are structured to meet specific
needs of the client taking into account a client's risk profile. With our strong customer oriented approach,
we have built relationships with a number of Indian companies including multinationals, well known
domestic business houses and public sector companies.
For more information on our corporate banking services, please contact our branch nearest you and / or
click on the category of your organization.

LARGE INDIAN CO
We offer credit facilities including working capital finance, term loans, trade and transactional services,
foreign exchange and cash management services to large Indian companies. The facilities are structured to
meet specific needs of the clients keeping in mind their risk profile. With our strong customer oriented
approach, we have built relationships with a number of Indian companies including those belonging to well
known industrial houses.
SMALL & MEDIUM ENT
For any business to succeed, the availability of funds throughout its life cycle is of paramount importance.
We offer a wide range of services to meet all the banking requirements of small and medium enterprises.
The limits are fixed keeping in view the enterprise's need for funds against the value of the security, margin
available and credit worthiness of the borrower's enterprise.
SUPPLIERS & CUST
We have products for suppliers and customers of our corporate clients. In order to facilitate completion of
supply chain management of our large corporate customers, we extend credit facilities for covering the
transactions keeping in mind the requirements of their business associates to minimize their borrowing
costs. This ensures minimum paper work and quick transaction delivery.
INTERNATIONAL BANKING
IndusInd Bank provides a wide range of international banking products and services to corporate clients,
both large and medium, and small-scale enterprises. Innovative products are designed with focused
approach and to suit the requirements of the clients.
We offer Trade Finance to exporters, both at pre and post shipment stage, in Indian Rupees and Foreign
Currencies at competitive price.
We also arrange buyer and suppliers credit for our importer clients at competitive rates of interest. Other
services include issuance of foreign guarantees, letters of credit, stand-by letters of credit etc. International
Division also handles remittance portfolios of Exchange Houses in Foreign Currencies and Indian Rupees
under different schemes such as Money Transfer Services Schemes (Moneygram, Zoha) and Rupee
Drawing Arrangement (under DDA, non DDA and speed remittance schemes). We also handle Bullion
trade on consignment basis and satisfy the needs of the gold, silver and other commodity traders in the
country.
Out of our 131 branches, 40 branches are full-fledged authorised dealers in foreign exchange. We have set
up “Forex Service Cell” with centralised foreign exchange operations for the remaining branches.
With our customer oriented approach we have built relationships with number of Indian and Overseas
Companies as well as International Banks for our domestic and overseas operations.
INVESTMENT BANKING
We are a boutique Investment Bank (SEBI registered Category I Merchant Banker).
We have dedicated team of professionals with vast experience in a wide range of Investment Banking
services
We work closely with every client to ensure that they get the best results out of our resources.
Our sector understanding and expertise as well as our strong domestic and international relationships help
us provide clients with the best solutions for all their needs
GLOBAL MARKETS GROUP
The treasury of the bank is a very active participant in the inter-bank market. It mobilizes resources for the
bank from domestic as well as international markets and also manages the surplus funds available by
deploying it profitably. The treasury is divided into foreign exchange and money market desks. The foreign
exchange desk is supported by the sales desk, which interacts with the corporate clients keeping them
abreast of the latest happenings in the international markets and advising them on risk management tools
available and the best strategies for hedging their exposures
CAPITAL MKT
The Bank’s Capital and Commodities Market group has a range of services for different segment of clients
like Investors, Brokers, Corporates etc
WHAT IS ASBA?
To make the existing public issue process more efficient, SEBI has introduced a supplementary process of
applying in public issues, viz. the “Applications Supported by Blocked Amount (ASBA)”.
Meaning of ASBA:
Application Supported by Blocked Amount (ASBA) means an application for subscribing to a public issue,
along with an authorization to Self Certified Syndicate Bank to block the application money in a bank
account.
Eligibility of investors for ASBA:

All investors except Qualified Institutional Buyers (QIBs) are eligible to apply through ASBA in public
issues.
Self Certified Syndicate Bank (SCSB):

SCSB means a banker to an issue registered with SEBI, which offers the facility of Application Supported
by Blocked Amount. IndusInd Bank is an SCSB and will accept applications under ASBA from its account
holders for all public issues.
ASBA Process in brief:

An ASBA investor shall submit a physical ASBA to the Bank. The Bank shall then block the application
money in the bank account specified in the ASBA, on the basis of an authorization to this effect given by
the account holder in the ASBA. The application money shall remain blocked in the bank account till
finalization of the basis of allotment in the issue or till withdrawal / failure of the issue or till withdrawal /
rejection of the application, as the case may be. The application data shall thereafter be uploaded by the
Bank in the electronic bidding system through a web enabled interface provided by the Stock Exchanges.
Once the basis of allotment is finalized, the Registrar to the issue shall send an appropriate request to the
CB of Bank for unblocking the relevant bank accounts and for transferring the requisite amount to the
issuer’s account designated for this purpose. In case of withdrawal / failure of the issue, the amount shall
be unblocked by the Bank on receipt of information from the pre-issue merchant bankers through the
concerned Registrar to the Issue.
Applicability of ASBA process:

ASBA process shall be applicable to all book-built public issues.
Other information for ASBA investors:
1. Bank shall not accept more than five applications per account per issue.
2. Bank shall not accept any ASBA after the closing time of acceptance of bids on the last day of the
bidding period.
3. Bank shall block the highest of the bid amt, in case there are more than one bid.
4. Bank shall give ASBA investors an acknowledgement for the receipt of ASBAs.
5. Bank shall not upload any ASBA in the electronic bidding system of the Stock Exchange(s) unless
–
a. It has received the ASBA in a physical or electronic form and
b. There is sufficient amount to block the highest bid as per ABA application form.
6. For withdrawal of bids by ASBA investors during bidding period, Bank shall delete the original
bid from the electronic bidding system of the Stock Exchange(s) and funds will be unblocked in
the relevant bank account as per timelines specified in the ASBA facility.
7. Bank shall make available the information about revision in the bidding period or price band of
any issue, as and when received, on its website, for information of ASBA investors.
Salient features of the ASBA facility are detailed in circular no. SEBI/CFD/DIL/SABA/1/2009/30/12 dated
December 30, 2009 available on SEBI website.
Click here to download the application forms for ongoing issues or please visit
http://www.nseindiaipo.com/issueforms/html/index.html
NRI – SERVICES
At IndusInd, we believe that the best banking experiences are those that give you more than just what's
expected and our NRI services have been designed keeping this belief in mind. With IndusInd Bank's range
of products and features, you get unmatched benefits that extends well beyond your basic banking needs.
Our wide network of 180 branches spread across India, strategic alliances with other banks across the globe
and representative offices in Dubai and London, ensure that we are always within reach, wherever you are.
Experience the world of hassle-free, secure and convenient NRI Banking with IndusInd Bank.
Please click on any of the below links for more information on our products and services.
NRI Savings Accounts How Do I ?
NRE Premium Savings Account Open an NRE / NRO Savings Account?
NRO Premium Savings Account Choose whether I need to open a NRE / NRO
Account?
NRE Regular Savings Account
Locate my nearest branch in India?
NRO Regular Savings Account
Remittances Fixed Deposits
Indus - Fast Remit (for US based customers) NRE Fixed Deposits
Indus Speed Remit (through Exchange NRO Fixed Deposits

Houses)
FCNR Deposits
E-remittance (in alliance with Doha
Bank, Qatar and Union National Bank, RFC Deposits
UAE)
SWIFT / Telegraphic Transfer

Money Transfer Services Scheme
(MTSS)
DELIVERY CHANNELS
We believe in adding convenience to your banking experience.
IndusInd Bank’s Alternate Delivery Channels give you 24x7 access to its services, from anywhere in the
world.
RTGS / NEFT
What is RTGS?
Real Time Gross Settlement (RTGS) System is set up, operated and maintained by Reserve Bank of India
to enable funds settlement on real-time basis across RTGS enabled banks in the country. This is the fastest
possible money transfer system through the banking channel. The RTGS system is primarily for large value
transactions. The minimum amount to be remitted through RTGS is Rs.1 lakh.
What is NEFT?
National Electronic Funds Transfer (NEFT) system is a nation wide funds transfer system to facilitate
transfer of funds from any NEFT enabled bank branch to any other NEFT enabled bank branch. Funds
transferred under NEFT will be credited to the beneficiary’s account on the same day and there is no
minimum or maximum amount for remittance through NEFT.
FAQ – RTGS
FAQ – NEFT
RTGS enabled – IBL Branches
RTGS enabled – Other Bank Branches
NEFT enabled – IBL Branches
NEFT enabled – Other Bank Branches
Regd. Office : 2401, Gen. Thimmayya Road, (Cantonment), Pune 411 001
Audited Financial Results as at March 31, 2010
Rs. In Cores
Sr. Quarter Quarter Year Year

ended ended ended ended
Particular
No.
31.03.2010 31.03.2009 31.03.2010 31.03.2009
1. Interest Earned 720.21 6 13.80 2,706.99 2,309.47
(a)+(b)+(c)+(d)
(a) Interest/ discount on advances/ bills 557.77 4 78.84 2,112.95 1,793.31
(b) Income on Investments 157.15 1 27.11 559.15 483.24
(c) Interest on balances with Reserve 1.61 5.01 10.94 15.77
Bank of India and other inter bank funds
(d) Others 3.68 2.84 23.95 17.15
2. Other Income 132.36 1 69.32 553.48 456.25
3. TOTAL INCOME (1+2) 852.57 7 83.12 3,260.47 2,765.72
4 Interest Expended 447.42 4 69.53 1,820.58 1,850.44
5 Operating Expenses (I)+(ii) 204.67 1 62.30 736.0 547.03
Employees Cost 77.93 51.56 290.5 187.14
Other Operating Expenses 126.74 1 10.74 445.44 359.89
TOTAL EXPENDITURE EXCLUDING

PROVISIONS AND 652.09 6 31.83 2,556.58 2,397.47
CONTINGENCIES (4+5)
OPERATING PROFIT BEFORE
PROVISION AND 200.48 151.29 703.89 368.25
CONTINGENCIES (3-6)
Provisions (other than tax) and 53.14 78.80 170.84 140.76

Contingencies
Exceptional items - - - -
Profit(+) / Loss(-) from ordinary Activities 147.34 7 2.49 533.05 227.49

before Tax
Tax Expense 49.38 21.97 182.74 79.15

Net Profit(+) / Loss(-) from ordinary
Activities after Tax (10- 97.96 50.52 350.31 148.34
11)
Extraordinary items (net of tax expense) - - - -
NET PROFIT FOR THE YEAR (12-13) 97.96 50.52 350.31 148.34
Paid up Equity Share Capital

410.65 3 55.19 410.65 355.19
(Face Value: Rs.10/- each.)
Reserves excluding revaluation reserves 1,754.95 1 ,072.42 1,754.95 1,072.42
Analytical Ratios
Percentage of shares held by Nil Nil Nil Nil

Government
Capital Adequacy Ratio (%) 15.33 12.55 15.33 12.55
Earnings per share - (Basic and Diluted) - - - -

(Rs.)
Basic EPS before / after Extraordinary 2.39 1.42 9 .01 4.28

items.(not annualized)
Diluted EPS before / after Extraordinary 2.34 1.42 8 .80 4.27

items.(not annualized)
NPA Ratios
Gross NPA 255.47 2 55.02 255.47 255.02
Net NPA 101.83 1 79.13 101.83 179.13
Gross NPA (%) 1.23 1.61 1 .23 1.61
Net NPA (%) 0.50 1.14 0 .50 1.14
Return on Assets (%) (annualized) 1.16 0.76 1 .14 0.58
Public Shareholding
No. of Shares 319454656 264000016 319454656 264000016
Percentage of Shareholding 77.83 74.37 77.83 74.37
Promoters and Promoter Group

Shareholding
Pledged / Encumbered
Number of Shares Nil Nil Nil Nil

Percentage of Shares (as a % of the total
shareholding of
promoter and promoter group)
-Percentage of Shares (as a % of total

share capital)
Non-encumbered
Number of Shares 90999984 90999984 90999984 90999984

Percentage of Shares (as a % of the total
shareholding of 100.00 100.00 100.00 100.00
promoter and promoter group)
Percentage of Shares (as a % of total 22.17 25.63 22.17 25.63

share capital)
Notes:
 There has been no material change in the accounting policies adopted during the
year ended March 31, 2010 from those followed for the year ended March 31,
2009.
 The working results for the year ended March 31, 2010 have been arrived at after
considering provision for standard assets, non-performing assets (NPAs), and
depreciation on investments, income-tax and other usual and necessary
provisions.
 The Bank issued 5,48,97,140 equity shares of Rs. 10/- at a price of Rs. 87.50 per
share, aggregating to Rs. 480.35 cores on August 17, 2009 through Qualified
Institutional Placement (QIP) route.
 During the year ended March 31, 2010, the Bank allotted 5, 57,500 shares
pursuant to the exercise of stock options by certain employees.
 During the quarter ended March 31, 2010, Bank raised Subordinated Tier II
Bonds of Rs. 420 cores at an interest coupon of 9.50% p.a for a period of 63
months.
 Other Income includes Profit on sale of investments/securities of Rs 4.44 crs for

the quarter ended March 31,2010 as compared to Rs.79.50 crs for the quarter
ended March 31, 2009.Net of profit on sale of investments/securities other
income was higher by 44%
 The above results were reviewed by the Audit Committee and thereafter taken on
record and approved by Board of Directors at its meeting held on April 16, 2010.
 There were no unresolved investor complaints at the beginning of the quarter.

Further, during the quarter ended March 31, 2010, the Bank received 102
investor complaints. All the complaints have been suitably disposed off
 For the year ended March 31, 2010, the Board of Directors has recommended a
dividend of 18% (previous year 12%) subject to the approval of the members at
the ensuing Annual General Meeting.
 Previous period / year figures have been regrouped / reclassified, where

necessary to conform to current period / year classification

Indusind Bank

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IndusInd Bank understands its customers’ money is not just money.

INDUSIND BANK LTD. - CAPITAL HISTORY

Mode of issue Year No. of equity Distinctive Nos. Total Capital

Initial share capital 1994 10,00,00,000 1 to 10,00,00,000 10,00,00,000

Preferential issue 1995 2,00,00,000 10,00,00,000 to 12,00,00,000 12,00,00,000

Public issue (IPO) 1997 4,00,00,000 12,00,00,001 to 16,00,00,000 16,00,00,000

Cancellation of equity shares of 3,97,73,017 17 to 3,97,73,033

Equity shares issued to the 10,00,00,000 17 to 3,97,73,033 and 22,02,26,983

Forfeiture of shares 2005 -384200 29,03,17,636

Issue of Global Depository 2,94,90,300 29,07,01,837 to 32,01,92,136 31,98,07,936

Issue of Global Depository 3,51,92,064 32,01,92,137 to 35,53,84,200 35,50,00,000

QIB Issue 2009 5,48,97,140 35,53,84,201 to 41,02,81,340 40,98,97,140

ESOP Allotment 2009 49,500 41,02,81,341 to 41,03,30,840 40,99,46,640

ESOP Allotment 2010 1,48,400 41,06,01,521 to 41,07,49,920 41,03,65,720

ESOP Allotment 2010 27,610 41,07,49,921 to 41,07,77,530 41,03,93,330

ESOP Allotment 2010 35,750 41,07,77,531 to 41,08,13,280 41,04,29,080

ESOP Allotment 2010 18,960 41,08,13,281 to 41,08,32,240 41,04,48,040

• Mr. R. Seshasayee: Managing Director, Ashok Leyland Ltd.

• Mr. R. Sundararaman : Former Dy Managing Director of SBI

• Mr. Ashok Kini Former : Managing Director of SBI

• Offers a new level of banking – better services, better understanding of unique

MILESTONES FOR FY 2008-09

• Total business crossed Rs. 37,800 crores

MILESTONES FOR FY 2009-10

• Total business crossed Rs 47000 crores

• Received the prestigious ‘Technology Bank of the Year-2009’ award in the

Following Service are provided by the Indusind Bank.

a. Flexi term Deposit

2. Wealth Management Service

 Large Indian Companies

Large Indian Companies

a. Fund Based Facilities

a. Fund Based Facilities

 Working Capital Finance

b. Non Fund Based Facilities

c. Value Added Facilities

Small & Medium Enterprises

a. Fund Based Facilities

a. Fund Based Facilities

 Working Capital Finance

b. Non Fund Based Facility

c. Value Added Facilities

3. Supply Cash Management

 Working Capital Finance

6. Global Market Group

7. Capital & Commodities Markets

 Stock Exchange Cell

10. Online Shopping & E- Payment

 Indus Net – Internet Banking

INDUS EASY SAVINGS ACCOUNT

Indus Easy Savings Account – No Frills Account

Monthly Statement can be collected through your nearest branch

Depository System provides the following advantages to an investor:

your shares cannot be lost or stolen or mutilated.

Share transactions like transfer; transmission etc. can be effected immediately.

INT BKG-RFC ACCOUNT

As an important step towards further liberalization of foreign exchange facilities

Eligibility: Any person resident in India

Currency: Foreign Currency such as USD, GBP & EURO

Ceiling: No upper ceiling on balances held in account is stipulated by Reserve Bank of

Interest: No interest will be payable on balances held in account

Indus Edge Business Account

The Ideal Current Account for Your Business