ICICI Loan Type Min Loan Max Loan Tenure Interest Rate Term Loan 50000.00 Rs 1000000.

00 Rs 12 - 48 months 14.00% - 19.00%

SBI Term Loan 24000.00 Rs 1000000.00 Rs 12 - 48 months Min: 18.20%

HDFC Term Loan 25000.00 Rs 1500000.00 Rs 12 - 60 months 15.75% - 22.25%

Charges:
Cheque Bouncing Charges Late Payment Penalty Pre-Payment Charges Cheque Swapping Charges Statement Charges Document Retrieval Charges Loan Cancellation Charges Rs 400.00 2.00% 5.00% Rs 500.00 Rs 200.00 Rs 450.00 24.00% 4.00% Rs 500.00 Rs 500.00 Rs 1000.00

Processing Fee Time to Process Loan

2.25% 3 Days

2.00% 2 Days

2.50% 3 Days

Security:
Suitable guarantee acceptable to the Bank. Suitable guarantee Suitable guarantee acceptable to the acceptable to the Bank. Bank.

Axis Bank Term Loan 100000.00 Rs 1500000.00 Rs 12 - 60 months 15.00% - 24.00%

Rs 500.00 24.00%

Rs 500.00

2.00% 0 Days

Suitable guarantee acceptable to the Bank.

Bank Category Minimum AQB Interest Rate Overdraft Facility Reward Points Internet Banking Mobile Banking

ICICI Bank Regular Rs.5000 4% No No Yes Yes

SBI Regular Min 1000

4% No No Yes No

HDFC Bank Regular Min 10000 4% No No Yes Yes

Cheque value Rs. 501 & above Re. 1 per 1000 (Min Rs. 50)

AXIS BANK Regular Metro/Urban branch Rs 5000 4% No No Yes Yes

suuer

ICICI Bank

Platinum/Ti Card Class tanium Card Type Premium Rewards Travel, Lifestyle Card Type Visa Offered Interest Rate Balance Transfer Rate Joining Fee Annual Fee Add On Card Fee Finance charges on cash advances /extended credit Penalty Interest Rate 1.99% per month 0.00% per month Nil Nil Nil

3.15% (monthly), 37.80%(An nually)

It can be as low as 1.99% per month (23.88% per annum) depending on factors such as, but not

limited to, credit history, purchase patterns, payment behavior, loyalty and month-on book.

Late Payment

In case of default, interest charges may increase up to a maximum of 3.40% per month (40.80% per annum). 30% of minimum amount outstanding (subject to min. of Rs.400 and a maximum of Rs.600).

Free Credit Period Minimum Amount Due

Min.: 18 d ays Max.: 48 d ays 5% of the outstanding amount or such other amount as may be determined by ICICI Bank at its sole discretion.

Limited Lost Card Liability

upto Rs 50000

Over Limit 2.5% on Charges over limit amount (subject to a min. of Rs. 500). Cheque Pickup Fee Cheque Bounce Fee Return of Cheque Fee Rs 100.00

Min.: Rs 2 50.00 Rs.250 per returned cheque

Invalid Cheque Fee Outstation Cheque Processin g Fee

Min.: Rs 2 50.00 Rs 100.00 1.00%

Non-Bank Rs 30.00 ATM Access / Balance Enquiry Charges Dial a Draft Fee 3% of the draft value amount subject to a minimum of Rs.300.

Duplicate Rs 100.00 Statement Request Charges Replacem Rs 100.00 ent Card Charges Charge Slip Request Railway Booking Surcharge Railway Booking Surcharge (Online) Fuel Surcharge Foreign Currency Transactio n Charges Service Tax Benefits Rs.100 per chargeslip

2.50%

1.80%

2.50%

3.50%

10.30% You will earn 2 imint points on every Rs. 100 spent W.e.f from July 1, 2010.

Photo Option Add On Card Internet Web Based Access Coverage Concierge Service Invitation to Special Events Road Assistanc e Special Offers Eligibility

Internation al

View
In select cities - For salaried : Net minimum salary of Rs. 20000 per month For selfemployed: Minimum Gross Annual Business Income of Rs. 250000
Salaried , Sel f Employed

Main Features

W.e.f from July 1, 2010, you will earn 2 imint points on every Rs. 100 spent.

Redeem your Reward Points for exciting gifts from the i-mint Reward Catalogue at www.imin tpoints.co m.

Air Accident Insurance up to Rs.40 lacs. 2.5 % Fuel Surcharg e Waiver at select HPCL petrol pumps across India* *Effective 1st July 2010 , Surcharg e waiver is applicable only on select HPCL pumps.

Features Cash withdrawal Recharge Pay bills Pay premium Mini Statement Balance enquiry Mobile No Change Service Requests Donation Pay fee

ICICI Yes Yes Yes Yes Yes Yes Yes Yes No No

SBI Yes Yes Yes Yes Yes Yes No No Yes Yes

HDFC Yes Yes Yes Yes Yes Yes No Yes No No

AXIS Yes Yes Yes Yes Yes Yes Yes Yes No No

7 days to 14 days 15 days to 29 days 30 days to 45 days 46 days to 60 days 61 days to 289 days 290 days to less than 1 year 1 year to 389 days 390 days to 2 years 2 years 1 day upto 5 years 5 years 1 day upto 10 years

ICICI 4.5 4.75 5.5 7 7.75 7.75 8 9 8.75 8.5

Interest Rates SBI HDFC 6.5 3.5 6.5 3.5 6.5 6 6.5 8.5 6.5 8.5 6.5 8.75 8.75 8.75 8.75 8.5 8.75 8.75 8.75 8.25

AXIS 3.5 3.5 6 8.5 8.75 8.75 8.75 8.75 8.75 8.5

Minimum balance Interest on balance International debit card Issue fee Annual fee Bill pay Features Online banking, cheque books, ATM card Money transfer Wire Transfers Online Demand Drafts

ICICI Rs.15000 3.50% Yes Rs. 100 199 0 Yes Yes Yes Yes Yes

AXIS Rs. 5,000 3.50% Yes Rs. 95 Rs. 100 0 Yes Yes Yes Yes No

SBI Rs 5000 3.50% Yes 0 0 0 Yes no Yes Yes Yes

HDFC Rs. 25,00 0 Yes Rs. 100 Rs. 100 Rs 25 yes yes yes yes Yes