Summary of schedule of charges

Rates at a quick glance as on 1st November 2008

DEPOSIT ACCOUNTS

Nature	Rate of Interest	Minimum Balance
1. Savings Bank Account
A. Domestic
a. With cheque book facility	3.5 %	*
b. Without cheque book facility	No such facility	No such facility
c. No Frills Account	3.5 %	Rs. 500
B. Non Resident
a. NRO	3.5 %	*
b. NRE	3.5 %	*

* Please refer our db Savings Booklet on Schedule of Service Charges for details

Please note: As per RBI guidelines, with effect from 1st April 2010, the interest on Savings Bank Accounts will be calculated on daily product basis, at a rate of interest as specified by RBI from time to time (existing rate is 3.50% p.a.), instead of the earlier methodology of calculating Savings Bank interest on the least balance between the 10th and the end of the month.

The interest on Savings Bank Accounts will be paid at half yearly intervals i.e. on 30th June & 31st December every year.

2. Term Deposits

Domestic / NRO Fixed Deposit Rates

w.e.f. April 06, 2010

Tenure	Interest Rate per annum (%)
Tenure	< Rs. 15 lakh	Rs. 15 lakh to < Rs. 50 lakh	Rs. 50 lakh to < Rs. 2 crore	Rs. 2 crore to Rs. 4.99 crore
7 - 14 Days	-	1.80	1.80	1.80
15 - 29 Days	2.00	2.00	2.00	2.00
30 Days	2.10	2.10	2.10	2.10
31 - 45 Days	2.10	2.10	2.10	2.10
46 - 59 Days	2.20	2.20	2.20	2.20
60 Days	2.30	2.30	2.30	2.30
61 - 89 Days	2.30	2.30	2.30	2.30
90 Days	2.45	2.45	2.45	2.45
91 - 99 Days	2.45	2.45	2.45	2.45
100 Days	2.50	2.50	2.50	2.50
101 - 180 Days	2.60	2.60	2.60	2.60
181 - 270 Days	3.60	3.60	3.60	3.60
271 Days - 1 Yr	4.25	4.25	4.25	4.25
> 1 Yr - 1.5 Yrs	4.60	4.60	4.60	4.60
> 1.5 Yrs - 2 Yrs	4.60	4.60	4.60	4.60
> 2 Yrs - 3 Yrs	5.70	5.70	5.70	5.70
> 3 Yrs - < 5 Yrs	6.10	6.10	6.10	6.10
5 yrs	6.60	6.60	6.60	6.60

Please note :

No interest is payable for deposits withdrawn prematurely before 7 days.
For premature withdrawal of fixed deposits less than INR 15 lakh, on 15th day or thereafter, a penal rate of 1% would be charged, i.e., the interest applicable for the period for which the deposit has run less applicable penalty.
For premature withdrawal of fixed deposits greater than or equal to 15 lakh, on 7th day or thereafter, a penal rate of 1% would be charged, i.e., the interest applicable for the period for which the deposit has run less applicable penalty.
Minimum fixed deposit amount is Rs. 20,000.
Interest Rates are subject to change without prior notice.

NRE Fixed Deposit Rates

w.e.f. July 01, 2010

Simple FD (Payable Quarterly)	Interest Rate per annum (%)
1 year up to 2 years	2.92
> 2 years up to 3 years	2.72
3 years	3.08

Initial minimum fixed deposit size is Rs. 20,000.
Premature withdrawal

- Less than 1 year: no interest.

- 1 year and above: the rate applicable for the period for which the deposit has run or the contracted rate, whichever is lower, less 1%penalty for the premature withdrawal.

Interest rates are subject to change without prior notice. LOANS

Loan Type	Loan TypeRate of Interest	Processing Charges	Administration Fees
1. Housing Loan		NIL	up to 1% of the loan amount
A. Floating Category
Upto 5 years	12.50%
More than 5 years & upto 10 years	12.50%
More than 10 Yrs	12.50%
B. Fixed Category
Up to 3 years	13.50%
Up to 5 years	14.00%

CHARGES

1. Lockers

Locker Type	A	B	C	D	F
Annual Rent	Rs. 6,000	Rs. 8,000	Rs. 12,000	Rs. 15,000	Rs. 20,000
One Time Administration Charge	Rs. 250	Rs. 250	Rs. 250	Rs. 250	Rs. 250

2. Credit Cards :

w.e.f April 19, 2010

Fee*	Joining Fee	Renewal Fee	Add-on Card Fee
Classic, Gold, db business and Landmark Gold Credit Card	Nil	Nil	Nil
Platinum Credit Card	Rs. 10,000	Nil	Nil
Platinum Select Credit Card	Rs. 5,000	Nil	Nil
WorldMiles Platinum Credit Card	Rs. 5,000	Rs. 1,500	Nil
WorldMiles Signature Credit Card	Rs. 7,500	Rs. 2,500	Nil
Miles & More Platinum Credit Card	Rs. 3,000	Rs. 2,000	Nil
Landmark Platinum and Matrix Platinum Credit Card	Nil	Nil	Nil
Miles & More Signature Credit Card	Rs. 7,500	Rs. 4,500	Nil
Signature Credit Card	Rs. 25,000	Nil	Nil
Interest Charge	Monthly Rate (%)		Annual Rate (%)
Classic (w.e.f. Sep 1, 2008), Gold, db Business, Landmark Gold, Corporate, Platinum Select, Platinum, Landmark Platinum, Matrix Platinum, WorldMiles Platinum, Miles & More Platinum, Miles & More Signature and Signature Credit Card	3.83%		46.00% (Current base rate 6.75% + 39.25%)
Interest Free Period	Up to 50 days; interest free period is not applicable if total amount due is not paid in full
Penalty Charge	Up to 3.5% per month (only for Corporate Charge Cards)
Late Payment Charges	Outstanding Balance: Up to Rs. 10,000 = Rs. 350 Between Rs. 10,000 to 20,000 = Rs. 450 Between Rs. 20,000 to 30,000 = Rs. 550 Above Rs. 30,000 = Rs. 700
Over Limit Charges	2.5% of Over Limit Amount subject to a minimum of Rs. 300
Returned Cheque	Rs. 250
Outstation Cheque Processing Fee	Please note that the outstation cheques only from the Deutsche Bank locations can be accepted
Cash Advance Charges	2.5% of the advance amount subject to a minimum of Rs. 250
Balance Enquiry Charges on Non Deutsche Bank ATMs	Rs. 25
Machine Surcharge at ATMs	Pass through except Global ATM Alliance
Foreign Currency Mark-Up	3.5%
Savings Plan Change	Rs. 250
Reissue / Replacement Card and PIN	Replacement within India Rs. 100
Image Change on Card	Rs. 150
Railway Booking Surcharge	1.8% or Rs 30 whichever is higher + Service Tax
Fuel Surcharge	2.5% (subject to min. Rs. 10) (not applicable for Classic / Gold Cards) (waived** for transactions between Rs. 400 to Rs. 4,000)
Service Tax	10.30% or as amended by the Govt. of India (applicable on all fees, interest and other charges)
Duplicate Statement Request	Rs. 100 per statement (beyond last 3 months)
Charge-slip Request	Rs. 100
Cash Deposit Fees	Rs. 99

* Please note that joining, renewal and add-on fee may vary as per offer or product variant. The applicable charges will be communicated to the customer at the time of application. These fees will be levied in the first monthly bill of the customer.

** Please note that from March 31, 2010, service tax levied on fuel surcharge (if any) will not be waived and will need to be borne by the cardholders.

Note: The tax rates are subject to change as per Government regulations and statutory changes. The fee and charges set out above are subject to change at the discretion of Deutsche Bank AG, India subject to one month's advance notice to customers before implementation.

3. Debit Cards : International Debit Card

Classic Annual Fees of Rs. 100*

Gold Annual Fees of Rs. 500*

Platinum Annual Fees of Rs. 1000 (to be launched shortly)**

**This card is free for Private Banking customers with relationship value > Rs. 10 lakhs. In case customers are unable to retain this status, charge will be levied from subsequent bill cycle.

4. Drafts/TT/MT

Issuance

For DB locations : Rs. 2.50 per Rs. 1,000 (Minimum Rs. 150 and Maximum Rs. 5,000)*

For non-DB locations : Rs. 3.50 per Rs. 1,000*

Cancellation : Rs. 125*

5. Outstation cheque collection

At DB locations : Rs. 3.00 per Rs. 1,000 (Minimum Rs. 55 and Maximum Rs. 5,500)*

At non-DB locations : 0.75% (Minimum Rs. 65+ Courier Charges)*

6. NEFT Money Transfer : Free

7. RTGS Money Transfer : Rs. 200 per transaction*

8. Cheque return charges

a. Cheque issued and returned for financial reasons	:	Rs. 350 (per instrument)*
b. Cheque issued and returned for technical reasons	:	Free
c. Cheque deposited and returned (Local)	:	Rs. 100 (per instrument)*
d. Cheque deposited and returned (Outstation)	:	Rs. 300 (per instrument)*

9. Cheque Book Issue	:	Free

10. No Dues Certificate	:	Free

*The charges are applicable depending on the type of DB account held. Service Tax is applicable on these Fees.

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