easy access savings account

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EasyAccess Savings Account

Want a savings account that transcends geographical boundaries?

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 your requirements for a truly comfortable banking

experience. EasyAccess Savings Account gives you instant access to your

money anywhere, anytime. Possessing a range of unmatched features, it has

been devised to better suit the convenience of our eclectic client base.

You 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.

At-par cheque ATM Network Anywhere Banking Telebanking Internet Banking SMS Banking Quarterly account statement Quarterly interest @ 4% per annum Free monthly e-statement.

EasyAccess Savings Account: Features

At Par ChequeBookAs an EasyAccess Savings Account Holder, you will

receive the "At-par" cheque book. You can encash these cheques as local


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cheques at any of the 257 centers where the bank has a presence, at no

extra cost. Drafts are now history.

ATM NetworkEasyAccess Savings Account also entitles you to an

International Debit Card with which you can access your account anytime

at all our ATMs - both, Visa enabled and our partner banks - across the

country. Withdrawals and deposits (money as well as cheques) are possible

with your Debit Card. And unlike most other ATMs, an Axis Bank ATM

allows you to withdraw uptoRs 40,000 per day.

Anywhere BankingYou can transact through any of our branch offices all of

which are interconnected for your banking convenience. Transactions like

cash deposits, cash withdrawal, transfers and clearing deposits can all be

carried out wherever you happen to be.

TelebankingOur Telebanking service provides you instant access to your

savings account. It offers you a wide range of services over the phone such

as Account Information, Balance Inquiry, Transaction Details, Status of

your Cheque (available only during branch business hours) and even

Statement of Account on Fax.

Internet BankingThe idea of "your Bank on your desktop" is now a reality

with Internet Banking. You can lookup the status of your savings account,

request your 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.

Free SMS BankingSMS Banking enables you to bank with us through your

mobile phone irrespective of where you are. Avail facilities like balance


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inquiry, debit or credit alerts, last three transaction details and cheque

status.

Account StatementQuarterly statements are delivered free of cost.

Quarterly InterestEvery quarter, interest would be credited at the rate of

4% per annum in your account.

Free monthly e-statementAxis Bank offers the facility of free monthly e-

statement.

Krishi Savings Account

Axis Bank offers a unique savings account which is easy to operate and

allows you to transact immediately. This product has been specially

designed keeping in mind the unique requirements of a farmer and others

employed in the allied agricultural activities sector. Thus this product has

been called the Krishi Savings Account.

The Krishi Savings Account has also been extended for the below given

"Allied Agricultural Activities":

y Animal Husbandry;y Dairy/Poultry Farming {Members of Village Level Co -op Societies Such as

Milk Co-op Society, KharediVechanSangh, Self help Groups Etc};

y Fishery & Aquaculture Sector;y Horticulture;y Sericulture;y Floriculture;y Handicraft Industry (Registered with Khadi and Gram-UdyogDept);


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y Fruits and Vegetable Vendors {Corporation licence, or letter from the GovtAuthority};

y Members of Tribal and Rural Development trusts {Such as Agakhan Trust,BIAF etc};

y Vermi-compost and organic Manure Suppliers;y Nursery Units;

y Landless Laborers.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 you to an International Master Debit

Card with which you can access your account anytime through the Axis

Bank ATM network free of cost.

This card comes with:

y A cash withdrawal limit of Rs 25,000 per dayy Free Accident Insurance cover of Rs 2 lacs

Anywhere Banking

Being a Krishi account holder, you are entitled to access our wide network

of more than 1000 branches and 4055 ATMs across 440 cities. You can now

easily carry out your transactions through any of the branches or ATMs.

At Par Cheque Book


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Your Krishi Savings Account comes with the At -Par Cheque facility. This

facility enables you to encash the cheques as local instruments at any of the

440 centres where the Bank has its presence, at no extra cost. Moreover,

you can also issue cheques at other centers without any limit.

Prime Savings Account

Want a customized savings account to suit your specific financial

requirements?

At Axis Bank, we have always strived to pace our products with the growing

needs of our customers. The Prime Savings account has therefore been

created with your specific financial requirements in mind.

Wider accessibility

As a Prime Savings account holder, you enjoy access to a wide network of

over 1000 branches and one of the largest ATM networks (4055 ATMs as on

31st March 2009) in India giving you easy access to your account from

almost any corner of the country.

Greater convenience

To simplify daily banking, your 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).

Your Debit Card also comes with a comprehensive insurance cover inclusive

of zero lost card liability, purchase protection and personal accident


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insurance up to Rs. 2 lakhs.

[To keep your personal accident insurance cover activated, you 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 our 24 hr Internet Banking and Tele Banking services, you can

enjoy the ease of banking from home or office. Through these comprehensive

services, you 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 your banking experience by providing you

a passbook and monthly statement of account to keep you updated on all

your transactions and assist you better in managing your finances.

Added speed

Through the 'At Par' cheque facility, you have the unique advantage to

encash your 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 you to

issue cheques without any limit, which will be treated as 'At Par' across

these locations.


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You can avail of all these services with a minimum average balance of Rs

25,000 in metro/urban/semi-urban centers and Rs 10,000 in rural centers.

Salary Account

We, at Axis Bank, believe in providing total financial solutions to the

employer as well as the employee, through the salary relationship. We

understand that each employee in an organization is at a different station of

life having different financial and banking needs.

Customized solutions

One solution may not fit all. Therefore, each employee in an organization is

offered a zero balance salary account and associated privileges

commensurate with her/his net monthly salary. Our Salary Account offering

has six variants, as follows:

y Prive Salary - For employees with net monthly salary of Rs.5,00,000/- ormore

y Wealth Salary - For employees with net monthly salary of Rs.2,00,000/ - ormore

y Priority Salary - For employees with net monthly salary of Rs.75,000/- ormore

y Prime Salary - For employees with net monthly salary of Rs.25,000/- or

more

y Easy Access Salary - For employees with net monthly salary of Rs.9,000/- ormore

y Salary Plus - For employees with net monthly salary of Rs.9,000/ - or more.Currently being offered only to existing relationships


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y Smart Pay Card - For employees with net monthly salary less thanRs.9,000/-

Benefits for the employees

y Convenience in banking:

o Anywhere Banking at any of our over 1200 branches and a network of over5500 ATMs spread across more than 796 centers

o Multi-city at par chequebooks

o Electronic Fund Transfer facility across all banks in India

o Internet Banking with Fund transfer facility to self and third party accounts

o 24x7 convenience at no charges with Axis Mobile

o Free SMS Banking with features such as alerts on de bits / credits overRs.5,000/- balance enquiry, enquiry on last 3 transactions and status of

cheque clearance etc

y Benefits on charges:

o No penal charges related to minimum balance

o Concessions on Pay Orders / Demand Drafts issued at Axis Bank locationsy Debit and Pre-paid Cards:

o International Debit Card with free Personal Accident cover

o Debit card for spouse in case of joint account

o Travel Currency Card providing great convenience to off -shore employees forcarrying local currency

y Retail Lending:


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o Facility of Temporary Overdraft with the salary account

o Preferential pricing on Retail Loans, as per eligibility criteriay Additional Banking Privileges:

o Employee Reimbursement Account offered as a savings account variant withinterest payable quarterly

Benefits for the employer

y Efficient disbursal of salaryy Web Upload facility enabling your payroll department to upload salaries at

its own convenience

y An Axis Bank official can be designated at your major locations foraddressing all queries and issues from HR department

y An ATM can be specially installed at the work premises for addedconvenience in cash withdrawals, subject to terms and conditions

Women's Savings Account

Presenting, Axis Bank's Women's Savings Account. The account is an



experience. Women's Savings Account gives you instant access to your

money anywhere, anytime. With the Women's Savings Account, you can

manage your money and your life and Furthermore Axis Bank's Women's

Savings Account ensures that you have enough time for all the important

things in life.

Women's Savings Account: Features


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Free At-par ChequebookAs our Women's Savings Account holder, you will

receive free "At-par" cheque book, which empowers you to encash your

cheques as local cheques at any of the Axis Bank branch center.

ATM NetworkWomen's Savings Account also entitles you to an International

Debit Card with which you can access your account anytime at all our ATMs

- both, Visa enabled and our partner banks - across the country.

Withdrawals and deposits (money as well as cheques) are possible with your

Debit Card. And unlike most other ATMs, an Axis Bank ATM allows you to

withdraw upto Rs.40,000/- per day.





TelebankingOur Telebanking service provides you with instant access to

your account. A wide range of services such as Account Information,

Balance enquiry, Transaction Details, Status of your Cheques (Available

only during branch business hours) and Statement of Account on Fax can

be availed over the phone.


with Internet Banking. You can lookup the status of your savings account,







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status.





statement.

Priority Account - Resident

We present to you Axis Bank - Priority. A service that would ensure not only

the highest level of Priority but also preferential treatment to selected

customers like you.

Personalized Services

Relationship Teamo You will enjoy access to Relationship Team who will be your

point of contact at branch for all your banking transactions

thus ensuring that you would neither have to move from one

counter to the other nor stand in queues to await your turn.

Preferred recognition across branches

Complimentary three Zero Balance Priority accounts in family

relationship

Personalized cheque book with unlimited at-par facilities* Access to exclusive Premium Space , Premium Branches & Lounges * Invitation to events


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Annual GiftsPriority Platinum Debit Card

Complimentary Exclusive Platinum Debit Card Enhanced ATM Withdrawal limit of Rs. 1 lacs Higher Transaction limit (POS) limit of Rs.1.5 lacs Enhanced Personal Accident Insurance Cover of Rs. 5 lacs Exclusive benefits on Dining, Health, Personal Care ,Apparels,

Jewellery ,Services & Travel

Enhanced Lost Card liability Protection Accelerated Reward Points Zero Fuel Surcharge Complimentary access to Airport Lounges at select Domestic &

International Airports in India

Convenience

Complimentary Anywhere Banking* Priority Processing of all requests Free Mobile Banking Free Internet Banking Monthly Mutual Fund Navigator and Market Reports Monthly e-statements

Consolidated physical quarterly statements

In house Quarterly lifestyle Magazine Priority PagesPreferential Pricing

Complimentary Demat Account* Preferential lending solutions*


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Discounts On Travel Cards Preferential rates on Forex services* Gold Bars at preferential rates

Services on Priority

Virtual Relationship Manger Preferred recognition across all Axis Bank branches Separate queue at CPU for account opening Priority at Call centre

Flexible Eligibility Criteria

Eligibility Criteria (Individual)

Minimum Average Quarterly Balance in SavingsRs. 2 lakhs

Client with Term deposit RelationshipRs. 10 lakhs & above

Client with Weighted deposits (Savings Account,CurrentAccount,Term

Deposit) (AND/OR)

Investment in Mutal Fund & Life Insurance (with minimum Rs.50,000 in

Savings)Rs. 5 lakhs & above

Eligibility Criteria (Family)

Family of 4 with Total Weighted Deposits (Savings

Account,CurrentAccount,Term Deposit)

Investment in Mutal Fund & Life Insurance (with minimum Rs. 1 lakh in

Savings)Rs.10 lakhs & above

Special Benefits to Priority Salary Customers

Unlimited Chequebook facility Unlimited DD/PO Complete Waiver on annual charges for Priority Platinum Debit Card


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Complete Waiver on 1st year Annual Maintenance Charges on aDemat A/c and 50% off on Annual Maintenance Charges from 2nd

Year onwards

Priority Family Campaign

The family that shops together holidays together!! Click here to know more.

Conditions Apply

The new product shall be available from 15th November ,2010onwards. Other/Correspondent Bank commission and fees will be charged

wherever applicable.

Axis Bank does not guarantee returnson anyof the investments. Axis Bank Priority isoffered in select Branches/Citiesonly. Axis Bank is entitled in its absolute discretion to provide or refuse all

loan, credit card and credit facilities.

Any o ffering under Axis Bank Priority will be subject to a formalapplication being received for the same and at the absolute discretionof

the bank.

All standard terms,conditionsof the bank/RBI apply.Demat Account

Axis Bank is a registered member (Depository Participant) of NSDL. In this

system, physical security holdings are converted into electronic (or in other

words, dematerialized) holdings. Axis Bank has been enrolled as a

Depository Participant by the NSDL - India's first depository. You can avail

of all the depository-related services by just opening an account with NSDL

through Axis Bank.


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Demat Account

yTransfer of shares andsettlements

y Receipt of Corporate Benefits

y Dematerialisation of shares y Rematerilialisationy Pledge-Hypothecation y Freezing or Locking of Accountsy Speed-e facility y i-Connect Depository ServicesyTele Depository Services - Dial-

Your-Demat

y Auto E-mailer Services

y Transfer of shares and settlements Transfer and settlements have neverbeen easy as it is under the depository system. All that is required is an

instruction slip from you. If you are selling securities then it has to be a

delivery instruction slip.If you are purchasing securities it has to be a

receipt instruction slip or one time standing instructions for credit.

y Receipt of Corporate BenefitsEven securities entitlements like bonus andrights can be credited to your demat account electronically. All you have to

do is to choose the right option in the share applica tion form. Cash benefits

like dividends and interest will be forwarded to you directly and not through

the depository. MICR code in Bank details in your demat account would

ensure credit of cash corporate action to your respective bank account.

y Dematerialisation of sharesAt your request we arrange to convert yourphysical holdings into electronic form. To do this you would be require to

open a demat account with NSDL through us called "Beneficiary Owner


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Account" in the name and style in which the shares are held by you. After

opening demat account, you can lodge the share certificates with us

accompanied by a Dematerialisation Request Form (DRF), separate for each

scrip. You are required to only make sure that NSDL has admitted that scrip

for dematerialisation. You can get this verified at our branches offering

demat services.

y RematerilialisationYou have the option to convert your electronic sharesback to physical shares.

y Pledge-HypothecationYou can also avail loan against shares by pledgingshares in your demat account. This process is also much faster than in the

case of physical shares.

y Freezing or Locking of AccountsYou can also keep your accounts frozen orlocked for the span of time desired by you. No debits from your account will

be made during this period.

y Speed-e facilityWith the introduction of settlement on T+2 basis,instruction for delivery of securities to broker's account is required

immediately after sale of securities. Hence time available for submission of

delivery instructions is limited. Axis Bank now permits submission of

delivery instructions in electronic form using Internet based service called

Speed-e. Physical delivery instructions need not be submitted in case you

are submitting the instructions on Speed-e.

Functioning of Speed-e

Speed-e is an Internet based service offered by NSDL through which demat

account holders (including brokers) can submit delivery instructions to us


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through Speed-e website http://speed-e.nsdl.com and also view the status

of such instruction.

y i-Connect Depository ServicesYou can access your holding andtransaction statement of your demat account through internet services /

website.

y Tele Depository Services - Dial-Your-DematAccess your Demat Account(s)through a telephone from any of the access centers. Just dial the Tele -

Depository Services number and get all information about your account on

Voice, Fax or even email. Dial-Your-Dematis available 24 hours a day, 365

days a year. This service offers you a wide range of facilities such as:

Balance inquiry

Statement of Demat account by fax or phone or email

Transaction details by fax or phone or email

Holding details by fax or phone or email

Overdue cum Holding details by fax or phone or email

Rejection details by fax or phone or email

Change of PINy Auto E-mailer Services

o You can register for auto e-mailer services for getting holding andtransaction statement on the registered mail id at the frequency defined by

you i.e. either daily/weekly/monthly.

o For our DP service related investor grievances, please email to us [email protected]


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Senior Citizen's Account

Are you seeking a banking style that compliments your Senior status?

Presenting, Axis Bank's Senior citizen Savings Account. The account is an



experience. Senior citizen Savings Account gives you instant access to your

money anywhere, anytime.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.

Senior Citizen's Account: Features

Banking Privileges

Free At-par Cheque bookAs our "Senior Citizen" Savings Account holder,

you will receive free "At-par" cheque book, which empowers you to encash

your cheques as local cheques at any of the Axis Bank branch center.

ATM NetworkSenior Citizen Savings Account also entitles you to an

International Debit Card with which you can access your account anytime

at all our ATMs - both, Visa enabled and our partner banks - across the

country. Withdrawals and deposits (money as well as cheques) are possible

with your Debit Card. And unlike most other ATMs, an Axis Bank ATM

allows you to withdraw upto Rs.40,000/- per day.




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TelebankingOur Telebanking service provides you with instant access to

your account. A wide range of services such as Account Information,

Balance enquiry, Transaction Details, Status of your Cheques (Available

only during branch business hours) and Statement of Account on Fax can

be availed over the phone.


with Internet Banking. You can look up the status of your savings account,







status.





statement.

Free Senior Citizen ID card

A Privilege assures the care you deserve:We have introduced SeniorCitizen ID card for our Senior citizen patrons. Let us briefly introduce

the wide range of advantages it hold for you.


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Avail of Great benefits with Senior Citizen ID card:ID card acts asan age proof. Enabling you to redeem every advantage that you are

eligible for.

Feel safe Everywhere: The Senior card also acts as an emergencyinformation medium. In case of emergencies, it provides the doctors

and authorities with vital data like your blood group, allergies,

illnesses, address and emergency contact details. This ensures that

you are well looked after in any situation, no matter where you are.

Always a Privilege:It will help in strengthen the bond with us and tobe of assistance to you at all the times, no matter what your need be.

Whether its loan, a savings account or any financial services that you

wish to avail of, we will make sure that we're always be there by your

side.

Power Salute

Are you looking for an account that fits with your life in 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 you

absolutely free, no minimum balance is required either. You can als o access

the entire Axis Bank network, including more than 896 branches and over

4055 ATMs (as on 31st December 2009) no matter where you are posted.

With the complete gamut of banking services (including overdrafts, loans

and zero-balance requirements) you can now rest assured about your family

and all their financial needs. It's our way of showing our appreciation to

your work.


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Banking Privileges:

At-par Cheque Facility

Your 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, you also get a free card for the

joint account holder. This means that your child or spouse also enjoy the

same benefits of banking with Axis Bank.

Financial Advisory Services

Our solutions answer to the twin goals of meeting your requirements and to

diversify and spread the risk of your investment portfolio, so you can look

forward to a comfortable and worry-free life. We first understand your exact

investment needs and then design the perfect investment plan for you.

Your investment plan could include investments in:

Mutual Funds - Debt and Equity Bonds Axis Bank Fixed Deposits

Trust/NGO Savings Account

Need special banking for special causes?

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


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companies and NGOs, so that the organisations can devote all of their time

to their noble motivations.

Features

A Savings Account for your Trust with Average Quarterly Balance(AQB) of Rs. 25,000

A multi-city at-par cheque facility with no limit on clearing paymentsat centers across the country wherever we are present.

Free Anywhere Banking across all our Branches and ExtensionCounters and over all our ATMs.

Free Demand Drafts or Pay Orders as and when required by you toremit funds.

Free collection of cheques at outstation locations. Free monthly e-statement Monthly Statement of Account delivered at your doorstep. Facility for collecting donations in your account through our network

of Branches and Extension Counters across the country, as well as

through iConnect - our Internet Banking facility.

Also, Axis Bank can offer the facility to donate funds to your Trustthrough our Internet Banking facility iConnect to its customers. An

Axis Bank customer can donate any amount to your Trust through

theInternet.

In such cases, the savings account of the customer gets debitedand the savings account of your 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


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donations and the name of donor. This will enable the Trust to

issue receipts to the donors.

Free Internet Banking facility that enables you to view the status of your account, transfer funds and carry out a number of banking

activities from the comfort of your home or office.

y Investment Advice:Our Financial Advisory Desk will provide portfolio management advice as

well as help you undertake investments.

y Free Demat:To facilitate your investments, we offe r a free Demat Account (charges due to

NSDL must still be levied) to our esteemed account holders in the Trust or

Society segment.

y 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:

Investment advice related to the customer's g -sec portfolio Offer of better rates on sale of government securities from the Bank's

stock of securities

Concessions in transaction and service charges. (However charges

that have to be directly passed on to the Clearing Corporation ofIndia

as part of the Negotiated Dealing System for trading in g-secs cannot

be waved - a fact, which will be communicated up front.)

y Foreign Contribution (Regulation) Act [FCRA] accounts:The FCRA account enables approved organizations to receive foreign


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contributions for utilization in their activities in India. The Bank will

provide assistance in the process of documentation a nd obtaining

necessary approvals from Ministry of Home Affairs at New Delhi.

easy access savings account

Documents