Zero Balance Savings Account

(Save at Zero)
Saving Money is now easier

Axis Bank's Zero Balance Savings Account has been the constant endeavor to create products
specifically catering to customer’s needs. This account while offering people a whole range of
services, it also addresses their latent need of having an account without the hassle of
maintaining an average quarterly balance.

Features

 No Average Quarterly Balance requirement

 Free International Debit Card with an Accidental Insurance cover up to Rs 2 lakhs*
(charges for
the primary holder are waived)
 Free mobile banking facility
 Access through more than 825 branches and more than 3595 ATMs
 At-Par cheque facility with the clearing limit of Rs 50,000
 24x7 Telebanking & Internet banking
 Free quarterly statements
 Free monthly e-statement

* Conditions Apply
1. Initial funding of Rs. 5,500.
2. Account maintenance fee of Rs. 500 per annum

Krishi Savings Account

(Kheti Ho Khushhali Ki)
Axis Bank offers a unique savings account which is easy to operate and allows customer to
transact immediately. This product has been specially designed keeping in mind the unique
requirements of a farmer and true to its nature has been called the Krishi Savings Account.

Features:

 Average Balance Requirement

This account is offered with the requirement of maintaining the half-yearly average balance of
Rs 1000 only.

 International Master Debit Card

The Krishi Savings Account entitles customer to an International Master Debit Card with which
they can access their account anytime through the Axis Bank ATM network free of cost.
This card comes with:

1. A cash withdrawal limit of Rs 25,000 per day

2. Free Accident Insurance cover of Rs 2 lakhs
•
 Anywhere Banking
Being a Krishi account holder, customers are entitled to access their wide network of more than
825 branches and 3595 ATMs across 440 cities. People can now easily carry out your
transactions through any of the branches or ATMs.

 At Par Cheque Book

Krishi Savings Account comes with the At-Par Cheque facility. This facility enables customers
to encash the cheques as local instruments at any of the 440 centres where the
Bank has its presence, at no extra cost. Moreover, customers can also issue cheques at other
centers upto the limit of Rs 50,000.

EasyAccess Savings Account

Banking made easy
Presenting, Axis Bank's EasyAccess Savings Account. The account is an endeavor by
the Bank to understand the consumers' needs and redefine banking to suit their
requirements for a truly comfortable banking experience. Easy Access Savings Account
gives instant access to money anywhere, anytime. Possessing a range of unmatched
features, it has been devised to better suit the convenience of eclectic client base.
 Customers can avail of all these services with a minimum quarterly average balance of
Rs. 5,000 in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000 in
rural centers.

Features:
 At Par Cheque Book As an EasyAccess Savings Account Holder, customer will
receive the "At-par" cheque book. He can encash these cheques as local cheques at any
of the 257 centers where the bank has a presence, at no extra cost. Drafts are now
history.

 ATM Network EasyAccess Savings Account also entitles customer to an International

Debit Card with which he can access his account anytime at all the ATMs - both, Visa
enabled and their partner banks - across the country. Withdrawals and deposits (money
as well as cheques) are possible with this Debit Card. And unlike most other ATMs, an
Axis Bank ATM allows to withdraw upto Rs 40,000 per day.

 Anywhere Banking Customer can transact through any of the branch offices all of
which are interconnected for banking convenience. Transactions like cash deposits,
cash withdrawal, transfers and clearing deposits can all be carried out wherever
customer happen to be.

 Telebanking Telebanking service provides instant access to savings account. It offers

a wide range of services over the phone such as Account Information, Balance Inquiry,
Transaction Details, Status of the Cheque (available only during branch business
hours) and even Statement of Account on Fax.

 iConnect The idea of "your Bank on your desktop" is now a reality with iConnect.
Customer can lookup the status of savings account, request new cheque book,
undertake a range of financial transactions, avail financial advisory services, get
information on mutual funds and shop online by just clicking the mouse.

 Mobile Banking Mobile Banking enables customer to bank through mobile phone
irrespective of where customer is and can avail facilities like balance inquiry, debit or
 credit alerts, last three transaction details and cheque status.

 Account Statement Quarterly statements are delivered free of cost.

 Quarterly Interest Every quarter, interest would be credited at the rate of 3.5% per
annum in customer’s account.

Prime Savings Account

The Prime Savings account has been created with customer’s specific financial requirements
in mind.

Wider accessibility
As a Prime Savings account holder, customer can enjoy access to a wide network of over 825
branches

and one of the largest ATM networks (3595 ATMs) in India giving easy access to account
from almost

every corner of the country.

Greater convenience
To simplify daily banking, Prime Savings account comes with an international photo-
signature Debit

Card. This unique card comes with withdrawal limit of Rs. 40,000 per day, facilitating
transfer of funds,

Deposits of cash/cheques and payment of insurance premium (LIC).

Debit Card also comes with a comprehensive insurance cover inclusive of zero lost card
liability,

purchase protection and personal accident insurance up to Rs. 2 lakhs.

[To keep personal accident insurance cover activated, customer should have made a purchase
 transaction in 365 days prior to the day of the incident & should have maintained an average
quarterly

balance of Rs 5,000 (urban & metropolitan branches) or Rs 2,500 (rural & semi-urban
branches) as the

Case may be in the two quarters before the date of the incident.]*

More comfort
Through 24 hr Internet Banking and Tele Banking services, customer can enjoy the ease of
banking

From home or office. Through these comprehensive services, account holder can access a
range of

facilities including online funds transfer, requests for a new chequebook, Financial Advisory
Services

(FAS), online shopping and information on mutual funds.

Enhanced privileges
The Prime Savings Account eases the banking experience by providing a passbook and
monthly

statement of account to keep updated on all the transactions and assist better in managing

finances.

Added speed
Through the 'At Par' cheque facility, customer can have the unique advantage to encash
cheques as a

local cheque at more than 330 centres where the bank has a presence at no extra cost. In
 addition the

account enables to issue cheques up to Rs. 1 lakh, which will be treated as 'At Par' across
these locations.

Features at a glance

 At Par Cheque Facility with an enhanced limit upto Rs. 1,00,000

 Free cash withdrawal at other bank ATM's

 Free monthly statement of account

 Free DD/PO (drawn on Axis Bank Centers)

 Free Passbook

 International Debit card with an Accidental Insurance cover upto Rs. 2 lakhs (Issuance charge
waived)[To keep personal accident insurance cover activated, customer should have made a
purchase transaction in 365 days prior to the day of the incident & should have maintained
an
average quarterly balance of Rs 5,000 (urban & metropolitan branches) or Rs 2,500 (rural &
semi-urban branches) as the case may be in the two quarters before the date of the incident.]*

 Increased cash deposit/withdrawal limits at non home branches

 Option of automatic movement of excess funds in the savings account to higher earning fixed
deposits
 Access through more than 825 offices & 3672 ATMs

 24*7 Telebanking, Internet banking and Mobile Banking

 Free monthly e-statement

Corporate Salary Account

Corporate Salary Power Offering is designed to offer payroll solutions through in a 24 X 7
 environment.

Axis bank leverage on extensive network of distribution channels spread across 450 centers
through a

network of more than 827 branches and 3595 ATMs besides superior service delivery model
and

product features, as a strong differentiator, to provide value to the end user.

Benefit to Employers

 Efficient salary disbursal.

 Web Upload - Transfer salaries/reimbursements directly from customer’s current account

with
Axis Bank to customer employee's accounts using I Connect from customer’s office.

 Single-instruction salary credit - Same day salary credits for all companies having Corporate
account with Axis Bank.

 Dedicated Relationship Manager at metro locations to understand the financial requirements

of
employees.

Benefit to Employees

 No minimum balance criteria.

 Unparalleled Access - Anywhere banking facility through network of Branches, ATM and
Internet banking facility.

 AT Par cheque books payable locally at all Axis Bank locations.

 International Debit cum ATM cards with enhanced Cash withdrawal facility and other value
add-ons.

 Online Banking with funds transfer, online shopping and bill payment options.

 Depository services with free online trading accounts.

 Meal Cards on a master card platform.

 Employee Reimbursement accounts as a savings account variant.

 Preferential pricing on loan products and credit cards and other banking products & services*.

Smart Privilege Account

For the woman of today
In today's busy world it's tough being a working woman. Right from shuttling between
a job and family to taking care of her finances she has to be on her toes all the time.
Keeping this in mind, Axis Bank has designed a savings account best suited for the
woman of today. With the Smart Privilege Account, woman can manage money and y
life and as well as enjoy a host of lifestyle privileges.

 Jewellery Insurance on Debit Card

 Dedicated Relationship Manager:

A Dedicated Relationship Manager will be one point contact at the branch for all
banking transactions thus ensuring that customer would neither have to move from
one counter to the other nor stand in queues to await for the turn.

 Zero Balance Minor Account

 Round-the-Clock access through ATMs:

There could be an instance when at 3 am customer could require cash. With this
round-the-clock access, he can withdraw cash up to Rs. 40,000 per day, deposit
cash/cheques, transfer funds, print a mini statement and pay insurance premiums
(LIC), all through ATM channel which is one of the largest ATM networks in the
country.

 Anywhere Banking:

Imagine being in an unknown city and still having complete access to all transaction
needs. So even if customer is travelling, can access account easily from any of the
700 plus Axis Bank offices spread over 400 cities across the country.

 At-par cheque facility:

 The cheque will be treated as a local cheque within the vast Axis Bank network of
over 700 offices across 400 cities in India. Now no more running around to get a
Demand Draft issued.

 Monthly Account Statement

 Free monthly e-statement

 Additional discounts on loans

 IConnect:
The Complete online banking experience: Its the age of Wi-Fi. All the banking needs
should be on the fingertips, with the i-connect customer can check account status,
transfer funds, place online request for a new cheque book and many more features
without even having to visit an Axis Bank branch.

 Financial Advisory Services:

Bank’s Financial Advisor will assist with financial planning and helps to earn
maximum returns on customer’s savings.

 Discount on Retail Purchases:

Just live the feeling of walking into a store and getting amazing discounts not
available to others. As being a valued customer, they shall endeavour to provide with
discounts at various outlets, periodically. All to do is to use new Smart Privilege Debit
Card and avail of discounts at these outlets. Details of such tie-ups will be sent on a
regular basis.

Smart Privilege Account

Smart Advantage
Smart Advantage is an exclusive insurance cover specially designed for the holders of Special
Women's Account that covers woman related diseases. This insurance protects the woman
against the risk of serious illness. It gives the policyholder the security of knowing that a
guaranteed cash sum will be paid in case she is diagnosed with a life-threatening illness. The
insurance is available at a nominal premium to existing Special Women's Account holders.
Coverage and Benefits

• Critical Illness Benefit:

•
100% of the sum assured would be payable in case the insured is diagnosed with critical
illness like Breast Cancer, Fallopian tube cancer, Uterine or Cervical Cancer, Ovarian
Cancer, Vaginal Cancer, Paralysis, Multi-trauma, Burns etc.

•
• Congenital Disability Benefit:
•
50% of the sum assured would be payable to the insured upon the birth of a child with
congenital disabilities like Down's Syndrome, Congenital cyanotic heart disease,
Tracheo-esophageal fistula, Cleft palate with or without cleft lip, Spina bifida
•
• Children Education Bonus:
•
Rs 25,000 is payable for future education of children on the diagnosis of critical illness
of the insured
•
• Loss of Job as covered in the policy:
•
Working women would get Rs 25,000 in the event of losing her job within a period of
three months of the date of diagnosis of any of the critical illness
•

Available at a nominal annual premium based on sum insured and age of the customer

SMART ADVANTAGE Premium Chart

Sum Insured (in Rs) Age (in yrs)
21 - 25 26 - 35 36 - 40 41 - 45 46 - 50 51 – 55
50,000 276 414 759 1102 1653 2412
100,000 414 621 1137 1653 2480 3616
150,000 551 827 1516 2204 3306 4822
200,000 689 1034 1895 2755 4133 6027
(exclusive of Service Tax)
Senior Privilege Account
Because life begins at sixty
Axis Bank's Senior Citizen Savings Account has been designed keeping in mind the fact that a
senior citizen's banking requirements are wholly different and require special consideration.

Special Previlege

A Privilege assures the care you deserve

They have introduced Senior Citizen ID card for Senior Privilege patrons.

Avail of Great benefits with Senior Citizen ID card

ID card acts as an age proof. Enabling to redeem every advantage that are eligible for. This card
will soon help to avail of certain never-before Senior-citizen benefits at various stores, service
providers and installation across the nation.

Feel safe Everywhere

Apart from providing with the power to claim great benefits, card also act as emergency
information medium. In case of emergencies, it provides the doctors and authorities with vital
data like blood group, allergies, illnesses, address and emergency contact details. This ensures
that customer’s are well looked after in any situation, no matter wherever they are.

Always a Privilege
It will help in strengthen the bond with bank and to be of assistance to customer at all the times,
no matter what the need be. Whether its loan, a savings account or any financial services that
they wish to avail of, bank will make sure that they are always be there by side.

Features:

Banking Privileges

Dedicated Relationship Managers Bank’s dedicated relationship managers are only a phone
call away. They can help with all of the banking needs. .

Free At-par Cheque book As the "Senior Privilege" Savings Account holder, customer’s will
receive free "At-par" cheque book, which empowers to encash cheques as local cheques at any
of the Axis Bank branch center.
Free International Visa Debit cards for the primary and the joint account holders An
"Senior Privilege" Savings Account with Axis Bank entitles to a free International Debit card,
which enables to access account anytime at more than 2764 ATMs across the country.
Customer’s can withdraw and deposit money and cheques with their debit card. The daily
withdrawal limit in an Axis bank is a high Rs 40,000. Customer can use the debit card to make
purchases at merchant establishment. A unique security feature to help safeguard hard earned
money is photograph and signature on the face of debit card. This feature is not followed by all
banks.

Free Monthly Statement of Accounts/Free Passbook As a privileged customer, they would be

entitled to a monthly statement of account. The statement would give a detailed information on
daily transactions with their closing balances. They can also opt for passbook facility, at no
additional cost.

Free Issuance of Pay Orders or Demand Drafts drawn on Axis Bank branches Get
commission-free Demand Drafts and Pay Orders from branches drawn on Axis Bank branch.

Free Inward Remittances Funds remitted by near and dear ones in abroad now get to
customer through the correspondent banks for free.

Free Outward Remittances once a year Remitting the money out of India is possible for free
once a year through the correspondent banks.

Free monthly e-statement Axis Bank offers the facility of free monthly e-statement.

Faster Credits to Foreign Cheques Funds remitted byr near and dear ones abroad now get
faster than ever.

Free Cheque pickup and Cash pick up services Extended cash and cheque pickup services are
provided for free of cost. Customer can also have cash delivered at residence at a nominal
charge of Rs 50 per delivery.

Anywhere Banking Make transactions like cash deposits, cash withdrawal, transfers and
clearing deposits from any of the branches, all of which are interconnected for banking
 convenience.

Telebanking Telebanking service provides with instant access to account. A wide range of
services such as Account Information, Balance enquiry, Transaction Details, Status of Cheques
(Available only during branch business hours) and Statement of Account on Fax can be availed
over the phone.

Free Mobile Banking Mobile banking enables to bank through mobile phone irrespective of
where ever you are. Avail the facility of balance enquiry, debit or credit alerts, last three
transaction details and cheque status.

iConnect The concept of "your Bank on your Desktop" is now a reality with iConnect.
Customer can look-up the status of account, request for new cheque book, undertake a range of
financial transactions, avail financial advisory services, get information on mutual funds and
shop online by just clicking the mouse.

Customised Loan Offerings Fixed Deposits - upto 95% of the FD amt at an interest rate of 2%
over the rate of interest of the FD. NSCs/KVPs/LIC Policy - Discounted rate of interest, no
processing fees and no pre payment penalty.

Complimentary Financial Planning Everyone has diverse needs based on their situations,
therefore requiring customized solutions. With the help of complimentary investment planning,
customer will know exactly what to do with money to realize financial objectives.

Silver Health - Medical Insurance for Senior Citizens Entry age is 70 years. The medical test
(mandatory) is carried out Free of cost only for Senior Privilege.

Power Salute Account

Salute to the defence forces

Defence Salary Account from Axis Bank is a product designed keeping in mind how tough a life
in the Defence Forces is. Not only does it come to customer absolutely free, no minimum balance
is required either. Customer can also access the entire Axis Bank network, including more than
2300 ATMs and 550 branch offices (and growing) no matter where it is posted.

With the complete gamut of banking services (including overdrafts, loans and zero-balance
requirements) customer can now rest assured about their family and all their financial needs. It's
the bank’s way of showing our appreciation to work.

Banking Privileges:

At-par Cheque Facility

Customer’s job involves constant transfers across the country. With the at-par cheque facility it
will no longer be necessary to set up new bank accounts with each transfer.

Additional Debit Card

Along with a free International Debit Card, customer also get a free card for the joint account
holder. This means that his child or spouse also enjoy the same benefits of banking with Axis
Bank.

Financial Advisory Services

Bnak solutions answer to the twin goals of meeting the requirements and to diversify and spread
the risk of the investment portfolio, so customer can look forward to a comfortable and worry-
free life. Bank first understand exact investment needs and then design the perfect investment
plan for customer.

Investment plan could include investments in:

• Mutual Funds - Debt and Equity

• Bonds
• Axis Bank Fixed Deposits

Trust/NGO Savings Account

Thoughtful banking for people who spend their lives thinking of others
Axis Bank's Trust Account is an effort to offer thoughtful banking for people who spend their
lives thinking of others. It is a complete banking solution for Trusts, Associations, Societies,
Government Bodies, Section 25 companies and NGOs, so that the organisations can devote all of
their time to their noble motivations.

Features
 A Savings Account for customer’s Trust with a concessional Average Quarterly Balance
  A multi-city at-par cheque facility with no limit on clearing payments at centers across
the country wherever the customer is at present.

 Free Anywhere Banking across all Branches and Extension Counters and over all
ATMs.

 Free Demand Drafts or Pay Orders as and when required to remit funds.

 Free collection of cheques at outstation locations.

 Free monthly e-statement

 Monthly Statement of Account delivered at the doorstep.

 Facility for collecting donations in account through network of Branches and Extension
Counters across the country, as well as through iConnect - Internet Banking facility.

Also, Axis Bank can offer the facility to donate funds to your Trust through our Internet
Banking facility iConnect to its customers.
In such cases, the savings account of the customer gets debited and the savings account
of the Trust gets credited with the amount of donation at the same time. At the end of
every month, the Bank will provide an MIS giving details of the amount of donations
and the name of donor. This will enable the Trust to issue receipts to the donors.

 Free Internet Banking facility that enables to view the status of account, transfer funds
and carry out a number of banking activities from the comfort of home or office.

 Investment Advice:
•
Financial Advisory Desk will provide portfolio management advice as well as
help to undertake investments.

 Free Demat:
•
To facilitate the investments,bank offers a free Demat Account (charges due to NSDL
must still be levied) to esteemed account holders in the Trust or Society segment.
•
 Constituent Subsidiary General Ledger (SGL) account:
•
The Constituent Subsidiary General Ledger (SGL) account through which investments
in Govt. securities are carried out comes with a host of value-added services:
o Investment advice related to the customer's g-sec portfolio
 o Offer of better rates on sale of government securities from the Bank's stock of
securities
o Concessions in transaction and service charges. (However charges that have to be
directly passed on to the Clearing Corporation of India as part of the Negotiated Dealing
System for trading in g-secs cannot be waved - a fact, which will be communicated up front.)
o
 Foreign Contribution (Regulation) Act [FCRA] accounts:
•
The FCRA account enables approved organizations to receive foreign contributions for
utilization in their activities in India. The Bank will provide assistance in the process of
documentation and obtaining necessary approvals from Ministry of Home Affairs at
New Delhi.

Azaadi - No Frills Account

Basic banking with zero balance
Presenting, Axis Bank's Azaadi Account. A savings account that doesn't require a minimum
balance. Experience a host of unparalleled features and heightened convenience with Azaadi
Account.

You qualify for Azaadi if

• The sum total of all credits to account does not exceed Rs 1 lakh during the Financial
year,
• customer do not intend to maintain an account balance higher than Rs 50,000 at any
given instant, and
• are unable to furnish full documentation as required ordinarily for fulfilling of account
opening norms
•
Product Features
 Zero Balance Savings Account: No need to maintain a fixed, mandatory amount in
account.

 Instant Welcome Kit: Handed over to customer at the time of account opening, the kit will
consist of account number, debit card, debit card PIN, internet banking PIN and phone
banking PIN numbers.

 International Debit Card: Which gives access to over 1,800 ATMs across the country,
enabling to make deposits or withdraw cash at any time of the day or night.
 Phone Banking and Internet Banking: Customer can conveniently check balance,
transaction details, etc anytime from anywhere over telephone or using the Internet, for no
extra charge.

 Free monthly e-statement

Resident Foreign Currency (Domestic) RFC(D) Account

To avoid of paying commissions for foreign currency every time travel abroad, spending
sleepless nights wondering how to keep foreign currency safe, tantalizing from frequent
fluctuations in forex market , issuing regularly cheques and drafts for payments abroad,
Resident Foreign Currency (Domestic) Account with Axis Bank helps in freeing out from those
problems .

Resident Indians and Foreign Currency

Holding foreign currency is no longer restricted to the NRIs. For the first time Reserve Bank of
India has allowed Resident Indians to maintain foreign currency accounts without any ceiling to
it. This step is considered as a continuation of RBIs gradual endevour towards achieving 'Full
Capital Convertibility'.

The Product Offerings

A Resident Foreign Currency (Domestic) Account, RFC(D), with Axis Bank entitles to
maintain non-interest bearing current account in four major currencies (USD, EURO, GBP and
Japanese Yen). There will be no ceiling on the balances held in the account. Chequebooks
denominated in USD or GBP or EURO or Yen will be issued on these accounts with 25 leaves.
The cheques thereby branded as RFC (Domestic) Account will not be presented in clearing and
will be payable only at the issuing branch.

The min balance for such a current account will be USD 100 or GBP 60 or EURO 100 or Yen
20,000. There will be a penal charge of USD 5 or GBP 3 or EURO 5 or Japanese Yen 1,000 per
quarter in case of failure to maintain the min balance requirements.
The RFC(D) account holders will not be allowed any ATM facility as of now. However they
can use 'iConnect' for enquiry purposes only.

Pension Savings Account

Pension Savings Bank Account, from Axis Bank is specifically, designed for Pensioner's
(Existing & Prospective) of Central Govt. Civil Ministries/ Departments & Defence Ministry
keeping in mind the fact that a Pensioner's banking requirements are wholly different and require
special consideration.

Benefits

 Timely communication to the customer on receipt of the PPO

 No delays in commencement of pension disbursals - The Bank is handling the
disbursement of Pension under a Centralized Pension Disbursement Module wherein the
Pensioner records are credited centrally through its Centralized Pension Payment Hub
(CCPH) at Mumbai.
 Timely issue of Form- 16A for tax deducted at source in the immediately previous
financial year
 Timely revisions based on changes in rates of Pension or Dearness Allowance, done
centrally from the CCPH
Note

• The Bank is authorized by RBI and Central Pension Accounting Office (CPAO) for
disbursement of Central Civil Pension through its 218 authorized branches across the
country.
• The Bank is authorized by EPFO for disbursement of pension under the Employees
Pension Scheme, 1995 in all the branches.