Indian bank Minimum amount- Rs.250/- for non cheque operation Minimum balance of Rs.

500/- for cheque operation

VIKAS SAVINGS KHATA a no frills Savings Bank account No initial / minimum balance required A Savings Bank Account meant for people who have been hitherto deprived of banking facility SB Platinum with Sweep Facility Minimum monthly average balance Rs.25,000/Threshold limit Rs.50,000/A Savings Bank Account with an option to convert your excess funds in the account to Term Deposit on a daily basis.

SB - Power Account for Achievers (PAFA) Rs.5,000/- (monthly average). A Savings Bank Account for young individuals who have regular employment or are self-employed, professionals or business people. IB Smart Kid SB a/c ( for children of age 1 day to less than 18 years) Rs.100/- average monthly balance for non cheque book operated SB accounts Rs.250 average monthly balance for cheque operated SB accounts SB Silver Rs.5,000/- (monthly average) A Savings Bank Account for young individuals who have regular employment or are self-employed, professionals or business people. SB Gold A Savings Bank Account for young individuals who have regular employment or are self-employed, professionals or business people.

Sib Regular Savings - With normal cheque book facility Privilege Savings - With complete anywhere banking facility Group Salary Savings Account - for every employee to meet the expectations Junior Savings - For the students above age 12 SARAL Savings - No Frills Account low minimum balance Youth Plus Savings - An exclusive SB Account for Youth MAHILA Savings - An attractive Savings Bank account exclusively for women SB Invest - An exclusive account for Demat / Trading account holders Current a/c Indian bank Current Account ordinary Current Account Min Amt Premium Current A/c with Sweep Facility A Current Account with an option to convert your excess funds in the account to Term Deposit on a daily basis. Minimum Quarterly average balance Rs.1 lakhs Threshold Rs.2 lakhs Sib We offer different types of Business Accounts such as Current Account, Overdrafts(OD), Cash Credits(CC) and Mercantile Credits. These accounts allow you the convenience of conducting day-to-day banking operations, in addition to offering working capital credit requirements.

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Be smart with SIB Premium SMART

PREMIUM ACCOUNTS GENERAL You get the freedom of Any Branch Banking in your accounts, while opting for a Premium Account. The Premium account can be a Current Account, Overdraft Account (OD) or Cash Credit Account (CC).

TERM DEPOSITS Indian bank Re-investment Plan-Quarterly compounding Variable Recurring Deposit-Quarterly compounding IB Tax Saver Scheme-Quarterly IB Swarna Nidhi RD/IB Swarna Nidhi VRD Recurring Deposit Special Scheme for Senior Citizens Facility Deposit IB Savings Certificate IB Tax Savings Certificate Capital Gains

Sib Kalpakanidhi - Interest is compounded quarterly SIB Flexi Deposit - Automatic part closure to cover Savings Account deficit SIB Tax Gain 2006 - Eligible for tax exemption under Sec 80 C Fast Cash Deposit - Short term deposits with part closure option Fixed Deposits - Interest is paid out quarterly/monthly Recurring Deposit - Fixed Monthly installment deposit scheme 80 Plus Deposits - (scheme closed on 31/03/2009) SIB365 - One year deposit Interest upto 10%

Loans

Loans Agri Clinic and Agri Business Centres Loans for maintenance of Tractors under tie-up with Sugar Mills Agricultural Produce Marketing Loan Financing Agriculturists for Purchase of Tractors Purchase of second hand (pre-used) Tractors by Agriculturists SHG Bank Linkage Programme - Direct Linkage to SHGs Gramin Mahila Sowbhagya Scheme Joint liability group (JLG) Personal/individual Home Loan Plot Loan IB Pension Loan Loan / OD against NSC / KVP / Relief bonds of RBI / LIC policies Ind Mortgage IB Vehicle Loan Ind Reverse Mortgage IB Balavidhya Scheme IB Clean Loan (to Salaried Class) New IB Jeevan Vidya Education loan SHG - Vidhya Shoba Educational Loan IB Balavidhya Scheme New IB Jeevan Vidya Nri NRI Home Loan NRI Plot Loan

Sib Personal loans SIB Personal Loan Scheme Doctors Credit Agriflex - For any agricultural / allied activity Vehicle loans Mobiloan Personal - For Private Registration Vehicle Mobiloan Commercial - For Commercial Registration/Taxi Vehicle Mobiloan Agricultural - Vehicles For Agricultural Purposes Home loans

For Resident Indians For Non Resident Indians For Senior Citizens - Special scheme for pensioners SIB-SHIELD - Insurance Coverage for your Home Loan at attractive single premium Education loans

Vitjnan Pradhan Scheme - students desirous of pursuing professional courses SIB-Excellence - for students seeking admission to premier educational institutions such as IITs, IIMs etc Vidyanidhi Scheme - exclusive for students securing admission in Professional colleges in Kerala

Gold loans Gold Power - Overdraft Against Pledge Of Gold Gold Rush - Gold Loans with attractive interest rate Nri loans Personal loans Home loans Pravasi loans Sib flexi loans

Insurance Indian bank IB Arogyaraksha IB Chhatra IB Varishtha IB Jeevan Kalyan New IB Jeevan Vidya Janashree Bhima Yojan (Launched in association with LIC) Universal Health Care (launched in Association with UIIC Ltd) IB Grihajeevan - Group Insurance Scheme for Mortgage Borrowers IB Home Suraksha - Group Insurance Scheme for Mortgage Borrowers

Insurance sib

General Insurance ECGC - ECGC joins hands with SIB under bancassurance model Health Insurance - exclusively for Savings Account holders and Current Account holders Indian bank Branch Network Internet Banking ATM Network Mobile Banking Phone Banking Credit Card Debit/ATM Card

MSME

sib bank Any Branch Banking International ATM cum Shopping card Internet Banking Mobile Banking SIB Collect Demat Services Insurance