>> Services >> Oriental Bank Mediclaim Oriental Bank Mediclaim ORIENTAL BANK MEDICLAIM POLICY Oriental Bank

of Commerce signed an agreement with The Oriental Insurance Company Ltd. to launch "ORIENTAL BANK MEDICLAIM" Policy on 3rd Oct. 2011. The Product is designed exclusively for the A/c Holders of OBC and is available in all OBC Branches across the country.

SALIENT FETURES:

A family floater scheme covering 4 family members (Proposer + Spouse + 2 dependent Children aged 3 months to 26 years). Age group covered - 3 months to 79 years. No Pre - medical examination required, only declaration. Cash less facility available at network hospitals. Cover available for Minimum Sum Insured of Rs.1 Lac, up to Rs. 5 Lac, in multiple of Rs.1.00 Lac. The Premium Structure (Inclusive of Service Tax) is as under:

Sum-Insured Rs1 Lac Rs 2 Lac Rs 3 Lac Rs 4 Lac Rs 5 Lac

Premium(Including S. Tax) Rs 1749 Rs 3320 Rs 4620 Rs 5780 Rs 6830

Pre - Existing diseases are covered after 3rd completed years without break. Income Tax benefit under 80D of the IT act.

For more details please visit our nearby Branch or Click Here

Mandatory Disclosure for distribution of insurance Products, as per RBI's Directives. Insurance is a subject matter of solicitation and the Policy is

issued, based on contract between the Insured and Insurer

Participation by customers is on voluntary basis. The contract will be between Insured & Insurer and not between Insured & the Bank

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Services >> Financial Inclusion Financial Inclusion Type of banking services offered: 1. 2. 3. 4. A pure saving product with inbuilt overdraft facility. A Recurring Deposit product. A Remittance product Entrepreneurship credit in the form of Oriental Green Card, General Credit Card & Oriental Grameen Swarozgar Card.

Services >> Premium Services >> >> R.T.G.S. R.T.G.S. FAQs on RTGS Real Time Gross Settlement System (RTGS), is a modern, robust, integrated payment and settlement system. RTGS is a system whereby the Banks and Financial Institutions maintaining accounts with RBI can transfer funds to one another on an immediate, final and irrevocable basis during business hours. The Facility can be used for Fund Transfer to other Bank on behalf of the customers. This is R41 transaction and funds are transferred by debiting customers account to the destination account of other participating bank directly without any manual intervention. For this purpose correct destination account number and IFSC code of the destination bank / branch is required from the customer availing this facility.

Eligibility Criteria For Customer Transactions

Fund Transfer through RTGS can be availed by the customers who maintain their operative accounts viz., Savings Bank, Current Account. This facility can also be allowed to CC / OD account etc., subject to ensuring end use of funds. Outward / Inward remittance facility under RTGS is offered to the customers of all our branches. This facility is not extended to Non - Customers. This facility is not available to customers against cash payment.

Benefits of the System for the Customer

Pan Indian reach of all banks. Faster fund transfers. Operational convenience. Cost effectiveness.

Minimum Transaction Amount for Fund Transfer is Rs.2.00 lac. There is no Maximum limit for transaction amount. Customers have to submit a request by filling up a form available in all CBS Branches along with the cheques/Debit instruction to the branch. The customer has to inform the beneficiaries account number, Name and IFSC code the Bank/ Branch where the funds are to be remitted. IFSC (Indian Financial System Code) is an eleven digit code given to each branch of all banks which are participating in RTGS. The list of the branches participating in RTGS is also available in RBIs website www.rbi.org.in

Customer Transaction : Operating Session at Branches Monday to Friday 9.00 hrs. to 16.30 hrs. Saturday 9.00 hrs. to 13.30 hrs. CHARGES The details of the charges to be levied are as under:

Type of Transaction

Charges

Inward Remittance

Not Prescribed.

Outward Remittance

Rs.1 lakh to Rs.2 lakhs - N/A above Rs.2 lakhs to Rs.5 lakhs. Rs.25 (Plus Service Tax) per transaction. Above Rs.5 lakhs Rs. 50 (Plus service tax) Rs.50 per transaction.

Customer Service Help Desk for RTGS A dedicated Help Desk for handling RTGS related issues has been set up by the bank at the following address.

Services >> Premium Services >> >> N.E.F.T. N.E.F.T. NATIONAL ELECTRONIC FUNDS TRANSFER(NEFT)

Introduction Reserve Bank of India has introduced a system called The Reserve Bank of India National Electronic Funds Transfer System which may be referred to as NEFT System, for participating banks and institutions with the required system of computer and communication network through which funds transfer operation would take place. Our bank is one of the participants in the above system. Presently, our all the Service Outlets are enabled to offer NEFT facilities to their customers. Objects The objects of the NEFT System are: To establish an Electronic Funds Transfer System to facilitate an efficient, Secure, economical, reliable and expeditious system of funds transfer and Clearing in the banking sector throughout India, and To relieve the stress on the existing paper based funds transfer and clearing system.

Eligibility Criteria For Customer Transactions Fund Transfer through NEFT can be availed by the customers who maintain their operative accounts viz., Savings Bank, Current Account. This facility can also be allowed to CC / OD account etc., subject to ensuring end use of funds. Outward / Inward remittance facility under NEFT is offered to the customers of all our CBS branches. This facility is extended to Walk -in Customers.

This facility is available to Walk- in customers against cash payment upto Rs.50,000/-

Procedure for availing the facility 1. Customers have to submit a request by filling up a form available in all CBS Branches along with the cheques/Debit instruction to the branch. 2. The customer has to inform the beneficiaries account number, Name and IFSC code the Bank/ Branch where the funds are to be remitted. 3. NEFT transactions may be made for amounts inclusive of paisa component. 4. There is no upper value limit for putting through an individual NEFT transaction. 5. IFSC (Indian Financial System Code) is an eleven digit code given to each branch of all banks which are participating in RTGS. 6. The list of the branches participating in NEFT is also available in RBI's website www.rbi.org.in

Batch Timings Eleven hourly settlements are carried out during the day by RBI, starting from 9 am to 7 pm on all week days and five hourly settlements from 9 am to 1 pm on Saturdays. The messages sent before the above batch timings shall be included in the respective settlements otherwise they shall be included in the next batch/day. Charges No Charges Prescribed for Inward NEFT. For Outward TransactionsUp to Rs.1 lakh Rs.5 (Plus Service Tax) per transaction. Above Rs.1 lakh to Rs.2 lakhs Rs.15 (Plus Service Tax)per transaction. Above Rs.2 lakhs Rs.25 (Plus Service tax)per transaction
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Services >> Premium Services >> >> Online Tax Payment Online Tax Payment The On-line tax accounting system (OLTAS) for collection, accounting and reporting of direct taxes (List of Direct Taxes) is operational w.e.f 01.06.2004 in 144 authorized branches all over India. For every tax payment made by the taxpayer there should be a challan in the prescribed format.

The challan format is a single copy challan with the main challan at the top and the taxpayer's counterfoil at the bottom of the challan. A taxpayer can deposit tax by: 1. Cash or 2. Cheque on same branch or 3. Cheque / draft drawn on the same bank or another bank / branch at the same center where the payment is made or 4. Payment by outstation cheques / drafts can also be made at any authorized bank.

Every challan will have a unique identification number called Challan Identification Number (CIN). This consists of BSR code (Bank branch code), Challan Tender Date (cash / cheque deposit date) and Challan Serial Number. With the help of CIN, every payment will be uniquely identified enabling online transmission of details of tax payments by banks to the Income Tax department. Tax Information Network (TIN), being established by National Securities Depository Limited (NSDL), provides a facility to the tax payers to inquire about the status of their challans over internet. Tax payers have to log on through http://tin.nsdl.com to view whether the challan for the tax payments is received by TIN. 'Your tax Data is transmitted on the same day by online tax collecting system, Remember to quote PAN / TAN on Challans which is now mandatory' List of Direct Tax

0020 - Corporation Tax 0021 - Non corporation tax 0024 - Interest tax 0026 - Fringe benefit tax 0028 - Other tax on income and expenditure 0031 - Estate Duty 0032 - Wealth Tax 0033 - Gift Tax 0034 - security Transaction Tax 0036 - Banking Transaction Tax

List of Centers with Authorized tax collecting branches

State / Centre Branches TAMIL NADU Chennai Coimbatore *Annanagar *Esplanade *Moulivakkam *Mount Road *Oppanakara Street

WEST BENGAL Kolkata PUNJAB Patiala Mohali Amritsar Moga Jagraon Khanna Ludhiana Dasuya Garhshankar Hoshiarpur Mukerian Tanda Jalandhar Nakodar Phillaur Kapurthala Phagwara Malerkotla Banga Nawanshahr CHANDIGARH (U.T.) Chandigarh RAJASTHAN Ajmer Jaipur UTTAR PRADESH Agra Ghaziabad NOIDA Meerut Cantt Lucknow GUJARAT Ahmedabad Baroda

*Brabourne Road *Burra Bazar *Lord Sinha Road*Park Street *Princep Street *Rash Behari Avenue,*Strand Road * A-Tank *New Anaj Mandi *The Mall *Phase 1 *Basant Avenue *Civil Lines *Hall Bazar *Jail Road*Katra Ahluwalia *Putlighar *G.T. Road *Tehsil Road *G.T. Road *Chaura Bazar *Industrial Area *Rahon Road *Talab Road *G.T. Road *Gaushala Bazar *Jalandhar Road *Roshan Road *Gurdawara Road * Near Police Station *Bhagat Singh Chowk *Garh Road *G.T. Road *Industrial Area *Nakodar Road *New Railway Road *Near Bus Stand *Dana Mandi *The Mall *G.T. Road *Guru Hargobindnagar *Jarg Chowk *Mukandpur Road *Near Bus Stand

*Sector 17-B *Sector 19-D *Sector 26 *Sector 34-A

*Station Road *Adarsh Nagar *Ajmer Road *M.I. Road *J.L.N. Marg*Johri Bazar *Loha Mandi *G.T. Road *Lohia Nagar *Nasirpur *Razapur * Wrightganj *Sector 20 *Sector 27 *Bhangel Sadar Bazar *Gomti Nagar *Hazratganj *R.S.M. Nagar *Alambagh *Aliganj *Chowk *Aminabad

Bhavnagar Rajkot Surat ANDHRA PRADESH Hyderabad Secunderabad Vijayawada KARNATAKA Bangalore MAHARASHTRA Pune Thane Mumbai

*Ashram Road *Drive-in-Road *Relief Road * Stock Exchange (Sayaji gunj) *Taloja Road *Nirmala Convent School Road *Ring Road

*Ameerpet *Nampally Station Road *Autonagar *Sarojini Devi Road *Governorpet

*Richmond Road

DELHI / NEW DELHI Delhi /N.Delhi

*Synagogue Street *Aundh *Wanwadi *Lal Bahadur Shastri Marg *Mira Road *Pokhran *Fort, Sir P.M. Road *Goregaon (East) *Kalbadevi * Kandivili (East) Lokhanwala Township *Kandivili (West) * Lamington Road *Malad *Mulund *Mandvi *Napeansea Road *Nariman Point(Overseas Br.) *Powai *Santa Cruz (West) *Versova *Dadar *E-Block, Conn. Place *Industrial Finance, H-Block,Conn. Place *Nehru Place *Greater Kailash Part I *Greater Kailash Part II (Overseas branch) *Safdarjung Enclave*South Extension -Part I *New Friends Colony *Basant Lok *Sant Nagar - East of Kailash *Hauz Khas *Munirka *Mahipalpur *Panchsheel Park *Saket *Tughlakabad Institutional Area, (Batra Hospital) *Vasant Kunj *Defence Colony *Paschim Vihar *Kingsway Camp *Naraina *LU-Block, Pitampura *Laxmi Nagar *Mansarovar Garden *Chawri Bazar *Gandhi Nagar *Janakpuri *Prashant Vihar, Sec.14, Rohini *Subzi Mandi *G.T. Road, Shahdara *Vasundhara Enclave *Vishal Enclave

Services >> Other Services >> >> Foreign Remittances Foreign Remittances OBC is proud of its association with NRIs and takes special pride in serving them through various tailor-made products designed to suit all requirements of NRIs.

All the service outlets of OBC are fully computerized with 100% CBS branches connected through Centralized Banking Solution, Internet Banking and Phone Banking. So the customer of an OBC Branch is a CUSTOMER OF ALL CBS BRANCHES since we are offering Any Branch Banking (ABB) & Multi city Cheque Book facility to CBS Customers. Proton Visa Debit Card holders of the Bank have access to MITR and NFS ATMs for host of services like cash deposit / withdrawal, Mobile Top up, Mini Statement, balance enquiries etc. and to effect card payment for shopping in India and abroad through over 28 million Point of Sale (POS) locations. We are herein below sharing the bouquet of Foreign Exchange related and Banking facilities available to our esteemed NRIs with OBC; along with extant Investment and other Govt./RBI guidelines. Facilities being provided to NRIs 1.Remittances to India With a view to facilitating efficient flow of inward remittances, OBC has set up correspondent banking relationships with almost all the major International Banks across the globe. OBC opens foreign currency accounts in which NRIs can send remittances to India in any major currency such as Pound Sterling, US Dollar, Euro, Japanese Yen, Canadian Dollar, Australian Dollars, Singapore Dollar, Swiss Franc, Hong Kong Dollar etc. through SWIFT/ telegraphic transfers/ demand drafts from any corner of the World. OBC has also entered into an arrangement with Western Union for remittances up to USD 2500 or its equivalent and has also made arrangements for transfer of money from middle east countries through three Exchange Houses. 2.Deposit Accounts NRIs are welcome to open their following type of deposit accounts by downloading the Account Opening Forms, current rates of interest offered on different types of accounts and other information from our website 'www.obcindia.co.in' 2.a) Foreign Currency (Non Resident) Account (Bank) Scheme Under this FCNR (B) scheme, NRIs have a choice to open Term Deposit accounts in Pound Sterling, US Dollars, Canadian Dollars, Australian Dollars, Euro and Japanese Yen with minimum maturity of one year and maximum of five years. Interest income and balances in these accounts are free from all Indian taxes. The funds can be repatriated without permission from Reserve Bank of India. 2.b) Non Resident External (Rupee) Accounts

Under this NRE deposit segment, all types of accounts viz. Current, Savings, Fixed, Cumulative and Recurring Deposits can be opened in Indian Rupees by NRIs by converting their foreign currency funds into Indian rupees. Funds lying in these accounts as well as interest earned thereon are free from all Indian taxes. Funds are fully repatriable without any permission from Reserve Bank of India. Funds lying in these accounts can also be invested on repatriable and non-repatriable basis as outlined in the succeeding paragraph 3 (a) and (b) below. 2.c) Non-Resident Ordinary Rupee Accounts These NRO accounts can be opened in Indian rupees in the form of Current, Savings, Fixed, Cumulative and Recurring Deposits by converting existing domestic deposit accounts into NRO or even through foreign remittance sent by NRIs. The funds from NRO accounts can be freely used for making all rupee payments, investments, purchase of immovable properties etc. in India. Procedure for opening Non Resident Accounts The following documents are required for opening Non Resident Accounts as mentioned in paras 2.a) to 2.c).: Identify/Address proof viz. Passport/International driving licence or attestation of Account Opening Form by their banker outside India or by an Official of Indian Embassy or Consulate under their seal and signatures. Two Passport size photographs of the proposed account holder. Specimen signatures.

1.SPECIAL FACILITIES 1.a) Hedging facility Hedging facility is also available on the funds lying in the Foreign Currency (Non Resident) Account (Bank) Scheme and Non Resident External (Rupee) Accounts as well as interest earned thereon. 1.b) Provision of remittance under NRO account According to the existing FEMA guidelines, NRIs can remit upto USD 1 million or its currency equivalent, every financial year out of the funds held in NRO accounts. This includes sale proceeds of immovable property. In case of residential properties, sale proceeds of two such properties can be remitted within the above mentioned amount without any reference to Reserve Bank of India. 2.Loan Schemes for NRIs

2.a)Loan against Bank Deposits NRIs can avail loan against their NRO, NRE and FCNR(B) Term Deposits for personal purposes or for carrying out their business activities, for making direct investment in India or acquisition of flat/houses in India for their own residential use. Loans are also available to resident individuals/firms/companies against the Term Deposits held by Non-Residents for any type of fund based and/or non-fund based activities subject to compliance of certain guidelines issued by Reserve Bank of India.Non Resident Indians may also avail loans outside India against their NRE/FCNR(B) deposits held with us for themselves or third parties for bonafide purposes through our correspondent banks abroad. Note : Loans to Non Residents/ Third Party, against security of Non Resident (External) Rupee Accounts (NR(E)RA)/ Foreign Currency Non Resident FCNR(B) deposits. Reserve Bank of India has issued amended guidelines vide its circular RBI/2006-07/244 A.P. (DIR Series) No.-29 dated 31.01.07 under the subject scheme: Effective 31.01.07, the maximum amount of loan that can be granted to NRI's against their own deposits held under Non Resident (External) Rupee Accounts and Foreign Currency Non Resident deposits FCNR (B) Accounts and to third parties against these deposits, shall not exceed Rs.100 lac. Further, artificial slicing of the loan amount to circumvent the ceiling of Rs.100 lacs is not permitted. 2.b) Loan against immovable properties NRIs may avail housing loan for purchase of any number of residential/ commercial properties. NRIs / persons of Indian origin having citizenship of Bangladesh, Pakistan, Sri Lanka, Afghanistan, China, Iran, Nepal and Bhutan require prior permission from Reserve Bank of India for acquiring immovable property/ies in India. The loan amount can be used for NRIs' personal/business requirements in India only. Repayment of the loan is to be made either out of fresh remittances from abroad or by debit to NRO/NRE/FCNR(B) account/NRI or out of the sale proceeds of the immovable property/ies. 2.c) Loan against securities of shares/convertible debentures. NRIs may avail any type of fund based/non fund based facility against the security of shares/convertible debentures for their personal requirement or for business purposes.4.d) Housing Loan in Rupees

NRIs can also avail rupee loan in India for purchasing a residential property in India from a bank or a house financing institution. 4.e) Rupee loan to NRIs/PIO employees. NRI/PIO employees of a body corporate registered/incorporated in India may also avail rupee loan for their personal purposes including the purchase of residential property in India provided such loans are repaid by fresh remittance from outside India or by debiting NRO/NRE/FCNR(B) account of the borrower. 3.Extant Investment Guidelines in India NRIs can make investments in India under the following Schemes:3.a)On 100% repatriable basis Investment in Government securities, Treasury bills, units of mutual funds, bonds and shares issued by Public Sector Undertakings Portfolio investment in shares purchased and sold through stock exchanges. Sale proceeds are freely repatriable abroad without permission from Reserve Bank of India after payment of applicable taxes in India provided the investments are made by remittances in foreign currencies or by debiting NRE/FCNR(B) account of the NRI. 3.b)On non-repatriable basis Investment in capital of a firm or proprietary concerns without any ceiling. Investment in Government securities, treasury bills, units of mutual funds, National Plan/Saving Certificates. Investment in shares and convertible debentures through private placement provided the Indian company is not engaged in agricultural/ plantation activities or real estate business or construction of farm houses or dealing in Transfer of Development Rights or dealing in Print Media. Portfolio Investment in shares and convertible debentures through brokers on stock exchanges subject to fulfillment of certain conditions. Sale proceeds of above mentioned securities are allowed to be repatriated outside India after payment of applicable taxes in India and after obtaining permission from Reserve Bank of India. 3.c)Investment in Immovable property No permission required to purchase a residential/commercial property. There is no restriction on the number of residential/commercial properties that a NRI can purchase. No return/form is required to be submitted to Reserve Bank of India after purchase of property. Purchase of agricultural/plantation property/farm houses is not allowed. Residential/commercial property can also be acquired by way of inheritance or gift from a resident in India. The purchase consideration for acquiring properties should be by way of fresh remittances in foreign exchange or by

debit to NRE/FCNR (B) account of the Non-Resident. The properties, so acquired, can be sold to a person resident in India only. Such properties can be sold to another Non-Resident Indian or a person of Indian origin after obtaining RBI permission. There is no restriction on the number of sale of commercial properties. In case of residential property, sale proceeds can be remitted outside India in respect of two properties only within the overall limit of USD 1 million or its equivalent after payment of applicable Indian taxes. There is no lock-in-period either for sale of immovable property or for remittance of proceeds thereof abroad. The sale amount, so repatriable, should not exceed the foreign exchange brought into India for purchase of properties or the amount debited to NRE/FCNR(B) account. 4.PIO Card Scheme 4.a)Persons of Indian origin other than citizen of Bangladesh or Pakistan may avail of the facility of acquiring a PIO Card if :At any time, he/she held an Indian passport; or He/she or either of his/her parents or grand parents or great grand parents was borne in India and permanently resident in India as defined in the Government of India Act, 1935 and other territories that became part of India thereafter provided neither was at any time a citizen of any country as may be specified by Central Government from time to time; or Who is a spouse of a citizen of India or a Person of Indian Origin as mentioned above. The scheme is broad-based, covers upto four generations and also the foreign spouse of a citizen of India or A PIO. 4.b)A PIO card holder is at par with NRIs in respect of all facilities in economic, financial fields and for getting admission to educational institutions in India including medical colleges, engineering colleges, Institute of Technology, Institute of Management etc. It shall be our proud privilege and pleasure to be of service to you and your friends in India and abroad. You may click on our website www.obcindia.co.in for other details pertaining to Oriental Bank of Commerce and scan through a wide range of products and host of services offered by us to our esteemed customers. For any queries you may use the e-mail ids :

Services >> Other Services >> >> DMAT Account

DMAT Account

1. DEPOSITORY SERVICES 2. WHY OBC? 3. SPECIAL SERVICES 4. RATE STRUCTURE FOR NSDL/CDSL 5. LIST OF BRANCHES 6. PAN UPDATION 7. SERVICE REQUEST FORMS

1. DEPOSITORY SERVICES Convert your shares, bonds and other securities to dematerialised form with OBC Demat Account and avail the following services.

Dematerialisation Rematerialisation Settlement of trades Inter-Depository Transfers Pledge / hypothecation Receipt of allotment in the electronic form in public offerings of companies Receipt of non-cash corporate benefits such as bonus, rights in electronic form Transmission of securities Freezing of demat accounts, so that the debits from the account are not permitted Bank Account Details Demat of warehouse receipts and other Internet-based services like Speed-e & IdeAs (NSDL), Easy-Easiest (CDSL)

2. Why OBC

DP of both NSDL & CDSL

Branches all over the Country- NSDL - 288: CDSL -11 Moderate fees Demat access through Internet Online execution of transactions at branches Concessional rates for senior citizens, Salary account holders, Smart save gold account holders Special rates for stock market intermediaries / sub brokers Regular transactions update from back-office SPEEDe, IdeAS (NSDL) & Easy, Easiest (CDSL)

3. Special Services NSDL PROVIDES

SPEED-e for submitting delivery instructions directly on the Internet through SPEED-e website https://speed-e.nsdl.com.

IDeAS (Internet-based Demat Account Statement) for viewing balances and transactions in account updated on an online basis with a delay of maximum 30 minutes.

STEADY (Securities Trading - information Easy Access and Delivery) for brokers to deliver contract notes to custodians and/or fund managers electronically.

MOBILE ALERTS: SMS alert for debits/credit in demat accounts registered for SMS facility. This service is offered free of cost. CDSL PROVIDESa. easi provides facility of viewing/ downloading / printing of statement of holding with valuation, details of transactions, status of delivery instruction in demat account. easiest - You can transfer securities from your demat account through Internet. By registering to easiest you can also avail of all the facilities offered through easi'.

b.

4. Rate structure for NSDL/CDSL Depository Services (I). Rate structure for NSDL SCHEDULE - A Tariff for NSDL Depository Services w.e.f 01/04/2012 Service Individual Pool A/ c

CM

& Others 1 ACCOUNT OPENING 2 ACCOUNT MAINTENANCE CHARGES Clients maintaining SB/CA A/c Rs 300/- Rs 300/NIL NIL

Beneficiary/Sub Broker NIL

Rs 300/-

Rs 750/- Rs. 750/Clients not maintaining SB / CA a/c with OBC*** Online trading/Speede Annual Rs 300/- NA

Rs. 750/-

NA NA NIL Rs. 50/- plus Rs5/-Per Certificate Rs.25/- Per Request @

Online trading/Speede One-time Rs 1500/- NA 3 ACCOUNT CLOSING NIL NIL 4 DEMATERIALISATION Rs. 50/- NIL plus Rs5/-Per Certificate 5 REMATERIALISATION Rs.25/- N.A Per Request @ 6 TRANSFER FEES 0.02% of 0.01% of value value Minimum of Rs. 10/Minimum of Rs 23/Maximum Rs 5000/Rs 15/per ISIN Rs 12/per ISIN 7 PLEDGE ( Charged to Pledgor per

Rs13/-

Per Debit Transaction Online trading/Speede Annual Online trading/Speede One-time

transaction ) Creation Closure Invocation 8 INTER SETTLEMENT Per Debit transaction 9 PAY IN 10 PAY OUT/Penalty charges 11 CM POOL TO CM POOL Per Debit transaction 12 LATE FEE 13 ACCOUNT STATEMENTS Monthly Ad-hoc (per statement) 14 CUSTODIAL FEES 15 FAILED TRANSACTION -Per transaction 16 LENDING/BORROWING Per Transaction Rs. 50/Rs. 25/Rs. 25/N.A N.A N.A Rs. 50/Rs. 25/Rs. 25/

N.A N.A. NIL

0.01%+NSDL Charges(perISIN) NIL NSDL Charges

NA NIL NIL

N.A NIL

0.01%+NSDL Charges(perISIN) NIL

NA NIL

NIL

NIL

NIL NIL NIL Rs. 10 /Rs. 50/- borrower Rs. 25/- -lender

Rs. 50/- NIL Nil NIL Rs. 10 /- Rs. 10 /Rs. 50/- - Rs. 50/-.borrower borrower N.A. Rs. 25/- lender

*AMC will be levied on pro-rata for the first year of opening the account. Annual AMC shall be levied up-front during April on all accounts outstanding as at the end of March every year. ***Adavance fees of Rs 5000/- to be deposited upfront which will be adjusted against the future dues. In case the balance falls below Rs 2000/- it shall be the responsibility of Client to replenish the upfront amount so as to continue the service *NSDL Charges for Pay-out and penalty charges levied by SEBI for securities lying in pool A/c beyond stipulated period, will be charged on actual basis. *All the reference prices will be based on NSE price(NSDL formula) and all charges

payable monthly. @Remateralisation Fee -Rs 25 per certificate or Rs 25 for every hundred securities or part thereof, whichever is higher *Sub-brokers/CM-Beneficiary clients will be charged at the Flat rate of Rs 300/- per month to the account. *Charges for listed demat services shall be raised at monthly intervals. Demat services not listed above will be charged separately as per Bank's policy. *O B C reserves right to revise the rate structure from time to time giving 30 days notice. *Service Tax as applicable would be levied.

Tariff for CDSL Depository Services having only Depository relationship w.e.f. 01/04/2012 Services CM Beneficiary / Sub Brokers ( Rules Apply ) Nil Rs. 50/- plus Rs.5/Per Certificate Individual & Others

1 2

Account Opening Dematerialisation ( Per Request) Rematerialisation / Repurchase Transactions Per Debit Transactions

3 4

Nil Rs. 50/- plus Rs.5/- Per Certificate Rs.25/- per request @ Rs.25/- per request @ Rs.13/0.02 % of value Min Rs 23 /- Max Rs 5000/0.02 % of value Min Rs 23 /- Max Rs 5000/-

Off - market / Inter Depository Per Debit Transactions Rs.13/-

6 7

Pledge / Unpledge / Invocation Pledgor Rs . 50 / Rs . 50 / Debt Market ( Debit ) 0.02% Min Rs 23 0.02% Min Rs /23/Max Rs 200 / 200/Max Rs

Commercial Paper ( Debit ) 9 Custodial charges 10 Account Closure 11 Failed Transaction 12 Account Maintenance Charges * AMC (per annum) Upfront $ Clients maintaining SB/CA A/c Clients not maintaining SB/CA A/c***

Rs. 100 /Nil Nil Rs.10/-

Rs. 100 /Nil Nil Rs.10/-

Rs.750/Rs 750/-

Rs. 300/Rs 750/-

* For Corporate accounts an additional AMC of 500 /- payable to CDSL will be charged. $ Account Maintenance Charges will be levied on pro-rata for the first year of opening the account. Annual AMC shall be levied up-front during April on all accounts outstanding as at the end of March every year. AMC shall not be refunded on pro-rata basis if the securities account is closed during the financial year. ***Adavance fees of Rs 5000/- to be deposited upfront which will be adjusted against the future dues. In case the balance falls below Rs 2000/- it shall be the responsibility of Client to replenish the upfront amount so as to continue the service @Remateralisation Fee -Rs 25 per certificate or Rs 25 for every hundred securities or part thereof, whichever is higher Clients having a banking relationship with us to provide Standing Instruction letter for debiting the charges. O B C reserves the right to change the rates from time to time by giving 30 days notice. All reference Prices will be based on BSE Price ( CDSL Formula ) and all charges are payable monthly.

5.PAN UPDATION FOR DEMAT ACCOUNTS As per guidelines issued by Depository NSDL & CDSL, Demat Accounts of those investors who have not provided their PAN cards copies have been frozen (Suspended for Debit) on 1st January, 2007. These accounts will be frozen (Suspended for Credit) as well with effect from 16th August 2010. Such suspended Depository Accounts would be activated on submission of valid PAN cards from all account holders and after verification of the same against Income Tax website and Originals. The clients are requested to submit the duly signed copies of the PAN cards to the respective branches for PAN updation in order to unfreeze the accounts. Taking into consideration time for centralized back office processing & subsequent verification, updation of PAN details as well as activation of the account may take upto seven days depending upon the requests received at Main DP.

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Services >> Other Services >> >> Cash Management Services Cash Management Services CASH MANAGEMENT SERVICES FOR CORPORATES Cash Management is logistics of moving money. Trade transaction result in movement of money across locations & across parties. It serves as the means to keep an organization functioning by making the best use of cash or liquid resources of the organization. We provide time & place value for money through CMS. Cash Management is about managing:

Movement of money. Movement of paper/instructions/cheques. Information on movement of paper/money. To Reduce:Excess funds requirements, overdrafts, borrowings. Wastage of idle float funds. Unevenness in information, process & clearing bottlenecks.

CMS Services offered by ORIENTAL BANK OF COMMERCE More than 300 cities covering all major Metros and A class cities through our own Branches.

CORRESPONDENT BANK Over 500 centers covering all other major location in India

REMOTE CENTERS Covering Rest of India PRODUCTS OFFERED COLLECTION SERVICES

Local Cheques. Outstation Cheques.

PAYMENT SERVICES

Dividend/Interest /Refund (DW/IW/RO)

LIQUIDITY MANAGEMENT

Ensure requisite balances in multiple accounts with our Bank.

Features of Collection Products Collection of cheques/DD's/Pay orders through high value or MICR/Non MICR Clearing

Through OBC Branch Centers. Correspondent Bank Centers. Other Centers. Cheque pick up facility at Customer and its client's premises at select locations. Credit to Customer's Principal Account on realization On pre-determined day (as mutually agreed upon) Delivery of unpaid cheques as per your convenience Periodical MIS giving details of: Instruments sent for collection Instruments returned / unpaid Charges debited, etc.

Benefits to the customers

Efficient management of receivables. Improves your asset turnover. Converting receivables into earning assets. Pooling of funds at a centralized location. Surety of credit on specified date. Reduced working capital requirement. Interest savings. Reduced efforts for account reconciliation. Customized MIS.

Online Information giving status of Instruments.

PAYMENT SERVICES

Payment of Dividend interim or final at par to shareholders Payment of interest on Debentures, Fixed Deposits or other deposits at par to depositors Payment by of refund orders in respect of excess subscription etc Payment of Salary, Incentive, Bonus etc. to customer's staff Payment to vendors , sub contractors etc. Printing and dispatch of o Dividend warrants. o Interest warrants. Providing necessary periodical MIS supports.

Benefits to the customers

Convenience of fund disbursement. Funds to be provided just a few days before disbursement. Cheque payable at par facility. Cost savings. Optimizes human resource. Online information regarding Instrument status. No headaches