Annexure-I

A. Main features of Regular, Gold, Diamond and Platinum Variants:

FEATURES REGULAR GOLD DIAMOND PLATINUM
Product Code: 5011 2401 Product Code: 5011 2411 Product Code: 5011 2421 Product Code: 5011 2431
MAB Rs.5000/- Rs.100000/- Rs.500000/- Rs.1000000/-
Waiver of MAB Waiver of two calendar month MAB charges from account open month to entire life cycle of the account.
charges
Existing: Rs. 5 lakhs per month Rs. 25 lakh per month Rs.100 lakhs per month Rs.200 lakhs per month
Free Monthly (Inclusive of cash deposited in (Inclusive of cash deposited in (Inclusive of cash deposited in (Inclusive of cash deposited in
Cash Deposit CDM/ADWM GCC, Home & CDM/ADWM GCC, Home & CDM/ADWM GCC, Home & Non- CDM/ADWM GCC, Home &
limit Non-Home Branches) Non-Home Branches) Home Branches) Non-Home Branches)
There after card rates would be There after card rates would be There after card rates would be There after card rates would be
applicable. applicable. applicable. applicable.
Present cash deposit card rates charges: ₹0.75 per ₹1,000/- + GST, Minimum ₹50/- + GST, Maximum ₹20,000/- + GST

Revised: 100 times of previous month 15 times of previous month 15 times of previous month 15 times of previous month
Free monthly MAB. Maximum Rs.5 lakhs MAB. Maximum Rs.100 lakhs MAB. Maximum Rs.250 lakhs MAB. Maximum Rs.500
cash deposit per month per month per month. lakhs per month.
limit through (Inclusive of cash deposited in (Inclusive of cash deposited in (Inclusive of cash deposited in (Inclusive of cash deposited in
all channels CDM/ADWM GCC, Home & CDM/ADWM GCC, Home & CDM/ADWM GCC, Home & Non- CDM/ADWM GCC, Home &
Non-Home Branches) Non-Home Branches) Home Branches Non-Home Branches)
Beyond free limits of cash deposits, card rates would be applicable. (Present cash deposit card rates charges: ₹0.75 per ₹1,000/-
+ GST with minimum ₹50/- + GST and maximum ₹20,000/- + GST).
i. Previous month MAB linked free cash deposit limits will be applicable for all ETB and NTB customers.

ii. For NTB customers, MAB based cash deposit limit to be applied after 2 calendar months including the month of current account opening.
Example: If current account is opened in September month (any day) then MAB based limit to be applicable from 01st November onwards.

iii. In case of existing account upgradation (including same day upgradation on the account opening day), all features of the upgraded
Product variant i.e. Gold, Diamond and Platinum variants will be available to the customer from the date of upgradation of the account
except free cash deposit limits. CBS will allow free cash deposits in the account as per previous month MAB maintained in the
account.
Maximum Cash
Deposit Limit at Rs. 5 Lakhs per day Rs. 5 Lakhs per day Rs. 5 Lakhs per day Rs.5 Lakhs per day
Non- Home
Branches i. Currency Chest/CAC Branches: Currency chest branches and CAC linked branches will accept cash from non-home branch customers
without any limit.
ii. Other Branches: The Branch Manager of non-home branch will continue be vested with powers to accept cash exceeding Rs.5 lakh
and system will allow this with supervisory override.
Free Cheque
Leaves 50 per month 300 per month 700 per month 1500 per month
NEFT/RTGS Normal Charges
(Free through Internet/Mobile Unlimited Free Unlimited Free Unlimited Free
Banking)
Demand Drafts Normal Charges 50 Drafts free per month Unlimited Free Unlimited Free
Charges for Rs.500 + GST per month Rs. 2000 +GST per month Rs. 4000+GST per month: if MAB Rs. 8000+GST per month: if
Non- <Rs. 2,50,000 MAB <Rs. 5,00,000
maintenance of
Minimum MAB Rs. 2000+GST per month: if MAB Rs. 4000+GST per month: if
>Rs. 2,50,000 MAB >Rs. 5,00,000
Cash
withdrawal Free for unlimited amount Free for unlimited amount Free for unlimited amount Free for unlimited amount
charges at
Home Branch
Cash
withdrawal Max. Limit: Up to Rs. 2 lakhs per Max. Limit: Up to Rs. 2 lakhs per Max. Limit: Up to Rs. 5 lakhs per Max. Limit: Up to Rs. 5 lakhs
Charges at day (self only) Free day (self only) Free day (self only) Free per day (self only) Free
Non-Home
Branch
SMS Alerts Free Free Free Free
All other
Charges As per card rates As per card rates As per card rates As per card rates
applicable
B. CONCESSION IN POS MACHINE AND YMA QR/ BHARAT QR WITH TAP & PAY WITH SOUND BOX MONTHLY RENTAL,
BASIC SERVICE CHARGES AND MDR FOR GOLD, DIAMOND AND PLATINUM CURRENT ACCOUNT VARIANTS, AND
CONCESSIONS IN CMP: e-PAYMENT & e-COLLECTION FOR DIAMOND AND PLATINUM CURRENT ACCOUNT VARIANTS

1. Concessions in POS Machine rental, service charges and MDRs:

Product Variant Gold Diamond Platinum

POS and YMA QR/ BHARAT QR WITH TAP & PAY WITH SOUND BOX Offering:

i. Installation Free Free Free

ii. Service Charges Free Free Free
a. POS machine: Rental (max. Rs. 699/- per
terminal) + Service Fee + Installation Fee
Applicable for all types of POS. Free (Rs 2L+ txn per Free (Rs 2L+ txn per Free (Rs 2L+ txn per
month per POS / YMA month per POS / POS / month per POS / POS /
iii. b. YMA QR/ Bharat QR with Tap & Pay with QR/ Bharat QR with YMA QR/ Bharat QR YMA QR/ Bharat QR
Sound Box: Rental & Installation Charges Tap & Pay with Sound with Tap & Pay with with Tap & Pay with
(max. monthly rental Rs.99/- and installation Box) Sound Box) Sound Box)
charges Rs.999/- or monthly rental Rs.149/-
and installation charges Rs.649/- per machine).
Maximum No. of discounted POS Machine or
YMA QR/ Bharat QR with Tap & Pay with 1 2 4
iv. Sound Box offered or both.

v. Proposed MDR only for Credit Cards 1.60% 1.40% 1.20%

a. Concession will be available subject to minimum transaction amount of Rs. 2 lacs per months per POS/QR/YMA/Sound
Box.
 b. In case of failure of minimum transaction through POS machine or YMA QR/ Bharat QR with Tap & Pay with Sound
Box, Bank will recover percentage of rental recovery, as ‘Penalty’, which will be proportionate to the percentage shortfall
in transaction commitment. For example: A customer with a Diamond variant account takes 2 POS machines or YMA QR/
Bharat QR with Tap & Pay with Sound Box. At the end of 6 months, customer has routed transactions worth Rs.18 lacs
(i.e. Rs.1.50 lacs / month per POS/QR/Soundbox/YMA), then 25% of the applicable rental for the 2 POS
machine/YMA/QR/Soundbox, will be recovered as penalty for this period.

2. Concession in CMP Services:

Product Variant Gold Diamond Platinum

CMP Concessions Offering

e-Collections (VAN)
NIL 25% Discount on card rate 75% Discount on card rate
Bulk Payments (e-Payments)
(No change) (No Change)

3. Other term and conditions:

i. This facility is only available for SMEs, Corporates, Autonomous bodies, Hotels, Temples, Educational Institutions, Municipal
Council/Corporation & Govt owned Hospitals and not valid for Banks & Financial Institutions, Payment Banks, NBFCs, Merchant
Aggregator/Payment Aggregator. Branch/Circles will take separate approvals for the same on case-to-case basis from the Appropriate
Authority.

ii. Concessions in POS machine or YMA QR/ Bharat QR with Tap & Pay with Sound Box and CMP services are available to both ETB & NTB
customers.

iii. The concession will not be applicable for ‘Multi Acquiring Facility’ and customers who do not have ‘Settlement Account’ with the bank.

iv. These concessions will not be clubbed with any other concessions. However, the power delegated to CGMs and GMs (NW) for concessions
in POS/ YMA QR/ Bharat QR with Tap & Pay with Sound Box will continue for other accounts as well as for giving concessions beyond the
limit stipulated for the variants in this Circular.
v. For implementing concessions in existing POS machines or YMA QR/ Bharat QR with Tap & Pay with Sound Box, branches will obtain
written request from the customers. Concessions will be allowed only till the account continues in the respective variant.

vi. In case there is change in CA Product variant, concession will be applicable as per new CA variant.

vii. The branches / marketing teams need not obtain separate approvals / carry out cost benefits analysis for extending the concessions
proposed for these CA variants.

viii. It would be mandatory for customers, who avail this facility to download the YONO Merchant App. It would be convenient for them to lodge
complaints / service requests though the App. This App will also push notifications for information to the customer. However, soft POS charges
will be applicable if the merchant activates the TID.

4. Instructions for DGM (D&TB) of the Circles:

i. Half-yearly review by DGM D&TB at the Circles

a. Half yearly review to be carried out by DGM D&TB at the Circle for POS or YMA QR/ Bharat QR with Tap & Pay with Sound Box concessions. If
the merchant fails to meet the transaction commitment, ‘Penalty” will be charged to the customer for failing to the committed level of transactions in the
previous 6 months. These charges will be recovered by the home branch of the customer by debit to merchant's settlement account and will be credited
to charges account.

b. Percentage rental recovery, as ‘Penalty’, should be proportionate to the percentage shortfall in transaction commitment. For example: Assuming, a
Diamond customer takes 2 POS machines or YMA QR/ Bharat QR with Tap & Pay with Sound Box. However, at the half yearly mark, is able to
achieve only Rs.18 Lacs transactions in the past 6-month period (Rs.1.5 Lacs per month per POS or YMA QR/ Bharat QR with Tap & Pay with Sound
Box). In such a scenario, 25% of applicable rental for the 2 POS machines or YMA QR/ Bharat QR with Tap & Pay with Sound Box will be recovered,
for the past 6-month period.

ii. SBI-PSPL with the inputs from their Circle Sales Head (CSH), to submit the details of customer onboarded under the specific categories of CA variants
to DGM (D&TB) of the Circles who will verify and submit the same to JVC team and CA team, on a monthly basis, merchants availing the benefits under
each product variants as per the format given below.

iii. Pricing sheet taken with the agreement by SBIPL to be revised by them according to concessions being offered in each variant.

iv. DGM-D&TB of the Circles will submit a monthly report of POS or YMA QR/ Bharat QR with Tap & Pay with Sound Box to SBI-Payment, JVC Team
and CA Team, and CMP report to DGM CCG Team about details of the merchants availing the benefits under the proposed product variants.
 Format for monthly report (Annexure)

Name of Account CA Variant Number MDR CMP Services availed.

Industry Activity
Merchant No Subscribed of POS Offered