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ABOUT IDBI BANK

IDBI Bank Ltd. is a Universal Bank with its operations of Branches and ATMs, spread

across length and breadth of India. We have also set up an overseas branch at Dubai

and have plans to open representative offices in various other parts of the Globe, for

encashing emerging global opportunities.

As on March 31, 2011, the Bank had a network of 816 Branches and 1372 ATMs. The

Bank's total business, during Fy 2010-11, reached Rs. 3,37,584 Crore, Balance sheet

reached Rs. 2,53,377 Crore while it earned a net profit of Rs. 1650 Crore (up by 60

%).

Our vision for the Bank is for it to be the trusted partner in progress, by leveraging

quality human capital and setting global standards of excellence, to build the most

valued financial conglomerate. Our experience of financial markets helps us to

effectively cope with challenges and capitalize on the emerging opportunities by

participating effectively in our countrys growth process.

driven by a cutting edge core Banking IT platform. The Bank offers personalized

banking and financial solutions to its clients in the retail and corporate banking

arena through its large network

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Savings accounts are accounts maintained by retail financial institutions that pay

interest but cannot be used directly as money (for example, by writing acheque).

These accounts let customers set aside a portion of their liquid assets while

earning a monetary return. For the bank, money in a savings account may not

be callable immediately and therefore often does not incur a reserve

requirement freeing up cash from the bank's vault to be lent out with interest.

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Savings

AccountForm

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The following are eligible to open a Regular Savings Account:

Resident Individuals (sole or joint account).

Hindu Undivided Families.

If you are a Foreign National residing in India for a period greater than

180 days, you may open a Savings Account by providing

-- Valid Passport

-- Valid VISA

-- FRRO ( Foreign Regional Registration Office) Certificate

-- Residential Permit

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A minimum deposit ofRs. 10,000 (Metro / Urban Branches), Rs.5000 (Semi-Urban / Rural Branches) is required to open an accountand thereafter an Average Quarterly Balance of the same amounthas to be maintained.

It is mandatory to maintain a minimum Average Quarterly Balance(AQB) ofRs. 10,000 (Metro / Urban Branches), Rs. 5000 (Semi-Urban / Rural Branches). If the balance is not maintained, a servicecharge ofRs. 750/- will be levied per quarter.

If you open a Fixed Deposit Account ofRs. 50,000/-, then you nolonger have to maintain a minimum balance ofRs. 10,000 (Metro /Urban Branches), Rs. 5000 (Semi-Urban / Rural Branches) in your

Savings Account. In effect your account becomes a Zero BalanceAccount.

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Maturity And Interest Rates

When you open a Fixed deposit with HDFC Bank

Your interest is calculated on a quarterly basis for

deposits of 6 months and above

For those deposits with a tenure of below 6 months,

your interest is calculated at maturity as Simple

Interest. The period of Fixed Deposit is calculated in

number of days.

Interest for re-investment is calculated every quarter,

and the Principal is increased to include interest

earned during the previous quarter.

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PeriodInterest Rate

(per annum)

**Senior Citizen

Rates (per annum)Effective From

7 - 14 days 3.50% 4.00% May 12, 2011

15 - 29 days 4.00% 4.50% May 12, 2011

30 - 45 days 5.00% 5.50% May 12, 2011

46 - 60 days 6.25% 6.75% May 12, 2011

61 - 90 days 6.50% 7.00% May 12, 2011

91 Days to less than 6 months 1 day 6.75% 7.25% May 12, 2011

6 months 1 day - 6 months 15 days 7.75% 8.25% May 12, 2011

6 months 16 days 7.75% 8.25% Jan 04, 2011

6 months 17 days - 9 months 15 days 7.25% 7.75% May 12, 2011

9 months 16 days 7.75% 8.25% Jan 04, 2011

9 months 17 days - 1 year 7.25% 7.75% May 12, 2011

1 year 1 day - 1 year 15 days 8.25% 8.75% March 14, 2011

1 year 16 days 8.50% 9.00% March 14, 2011

1 year 17 days - 2 years 8.25% 8.75% March 14, 2011

2 years 1 day - 2 years 15 days 8.50% 9.00% March 14, 2011

2 years 16 days 9.25% 9.75% March 14, 2011

2 years 17 days - 3 years 8.50% 9.00% March 14, 2011

3 years 1 day - 5 years 8.25% 8.75% Dec 10, 2010

5 years 1 day - 8 years 8.25% 8.75% Dec 10, 2010

8 Year 1 Day - 10 Years 8.25% 8.75% Dec 10, 2010

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Services

Personal Banking Accounts And Deposits

Savings Accounts

Regular Savings Account Savings Plus Account

SavingsMax Account

Senior Citizens Account

No Frills Account

Retail Trust Account

Salary Account

Family Savings Group

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BIBLOGRAPHY

WIKIPEDIA

GOOGLE

IDBI.COM

CS FOUNDATION BOOK

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THANK YOU

PUSHKAR AGARWAL 1010811