Punjab & Maharashtra Co-operative Bank Ltd. –

About PMC:The PMC bank has commenced its operations on 13th February, 1984 with an aim to provide banking services that gives the customer utmost ease and convenience. With a short span of just 16 years, it has achieved SCHEDULED STATUS on 29/01/2000 and is the YOUNGEST CO-OPERATIVE BANK to achieve the status.

About NAMBARD: National Bank for Agriculture and Rural Development (NABARD) is an apex development bank in India based in Mumbai, MaharashtraIt has been accredited with "matters concerning policy, planning and operations in the field of credit for agriculture and other economic activities in rural areas in India"

NABARD was established on the recommendations of Shivaraman Committee, by an act of Parliament on 12 July 1982 to implement the National Bank for Agriculture and Rural Development Act 1981. It replaced the Agricultural Credit Department (ACD) and Rural Planning and Credit Cell (RPCC) of Reserve Bank of India, and Agricultural Refinance and Development Corporation (ARDC). It is one of the premiere agencies to provide credit in rural areas.Role of NAMBARD:

1. serves as an apex financing agency for the institutions providing investment and production credit for promoting the various developmental activities in rural areas

2. takes measures towards institution building for improving absorptive capacity of the credit delivery system, including monitoring, formulation of rehabilitation schemes, restructuring of credit institutions, training of personnel, etc.

3. co-ordinates the rural financing activities of all institutions engaged in developmental work at the field level and maintains liaison with Government of India, State Governments, Reserve Bank of India (RBI) and other national level institutions concerned with policy formulation

4. undertakes monitoring and evaluation of projects refinanced by it.

NABARD's role in rural development in India is phenomenal. National Bank For Agriculture & Rural Development (NABARD) is set up as an apex Development Bank by the Government of India with a mandate for facilitating credit flow for promotion and development of agriculture, cottage and village industries. The credit flow to agriculture activities sanctioned by NABARD reached Rs 1,574,800 million in 2005-2006. The overall GDP is estimated to grow at 8.4 per cent. The Indian economy as a whole is poised for higher growth in the coming years. Role of NABARD in overall development of India in general and rural & agricultural in specific is highly pivotal.

Agriculture market provides loans:

The cooperative marketing societies assist the farmer members to secure reasonable prices for marketing their agricultural produces. They function as a bridge between producers and consumers.During the year 2007-08 the cooperative societies have marketed the agricultural produce to the tune of Rs.1130.11 crores upto 31.3.2008.Loan structure : (Rs. in Crores)

1 .Short term loans

1500

2 .Medium term loans

126.00

3 .Long term agricultural loans

100.00

4. Jewel loans

8487.78

5 .Non-farm sector loans and other loans

579.60

Personal Loan ,Consumer Loan ,Private Car Loan ,Two Wheeler Loan ,Loan against Liquid Securities ,Loan against Commercial Vehicles ,Home Loan ,Mortgage Loan ,Loans against Plant & Machineries and/or Movables ,Cash Credit against Stocks & Book debts , Education Loan

Services:

opened a 2nd Branch in Nashik (Shivaji Nagar) on 13th October 2010 hence broadening our network to 52 locations spread over 3 states Statement via email facility available Started operations at Palghar Branch on 13th September 2010 broadening our network to 51 locations spread over 3 states Opening of Badlapur branch on 13th August,2010 extending our network to 50 locations spread over 3 states. Takeover of Chetana Sahakara Bank Ltd, Karnataka on 13th July, 2010 extending our network from 37 to 49 locations spread over 3 states.

Uninterrupted service in all our branches. Bank remains open all the seven days. (Carnac Bunder & Fort Branch closed on Sunday) Operation of Self-service counters at Branches by Customers to access details of their account. Token less banking facilitating the cash withdrawals of any amount just across the counter. Tele-banking service operation to access details of accounts on phone. We are the first in the co-operative sector to introduce products like "Double Decker", "Fleximoney Deposit" and "Bal Bhavishya Yojna". We are the first Bank to introduce Holiday banking (Open on all Bank Holidays except National Holidays). Separate Customer Relation staff have been posted at branches to help customers with regard to various bank products and various non-banking products. Specials Counter for Senior Citizens at selected branches only. 50% waiver to Senior citizens on Annual Maintenance charges in Demat Accounts. All ATM's are interconnected. No charges for issue of ATM cards. Dematerialization of Shares Services. ECS Services for Credit of monthly / quarterly interest on Fixed Deposits. Dealing in Foreign Currency Notes, Coins and Travellers Cheques, under Unified Full-fledged Money Charger's License granted by RBI. BSES Bill payment counters at Eleven Branches. Non- resident (NRE) accounts in our 34 branches. Housing Loan Schemes, Vehicle Loans, Customer Loan / Article Loan, Loan Against Shares, Education Loans, All types of Business Loans, Gold Loan, Term Loan for Plant & Machinery, Working Capital Limits, Bank Guarantees, Letter of Credit (Inland). Utility Bill payments available at all our Branches. Charitable Institutions & Senior Citizens are given 100% discount on the charges of preparing Pay-Order. Students preparing Pay-Order in the name of an Institution or University conducting their exams are given 100% discount on the charges for Pay-Order amount not exceeding Rs. 500/-. Customers having an account with our bank for a minimum period of 12 months, are given 50% discount on the existing charges of preparing pay orders. Any Branch Banking (ABB) for customers having the accounts with all branches and extension counters. Facility for franking of all types of documents at our 7 branches viz. Andheri, Bandra, Bhandup, Chembur, Oshiwara, Sion and Vashi. AMFI Registered Mutual Fund Advisor under Registration no. ARN-35142 for all types of Mutual Funds Investments. SMS banking facility available for accessing the bank account on the mobile phone, anywhere and anytime 24 x 7. Safe Deposit Locker facility available at selected branches. Broker Advisory services available at Sion branch and Andheri (East) branch.

Life & Non-Life Insurance products available.

BRANCHES:

Mumbai City

Fort 262, Ground floor, Gurudwara Bldg, Shahid Bhagat Singh Marg , Fort, Mumbai - 400 001. Tel.: (022) 6620 2403 / 6620 2444

Carnac Bunder 66B, Ground floor, Joshi Chamber,Rashtrashanti Tukdoji Maharaj Marg (Ahmedabad Street), Carnac Bunder,Mumbai 400 009 Tel : (022) 2348 3905 / 2348 3906 / 2348 3907

Sion (E) (Main Branch) 240 Shankar Sadan, Opp. Matalachmi Hospital, Sion ( East ) , Mumbai - 400 022. Tel : (022) 2401 4190 / 2409 5158 / 2401 7828

Mumbai Suburb

Andheri (E)Majas Evergreen Society, Andheri ( E ), Mumbai - 400 093.Tel : (022) 2820 3196 / 2838 7293

Bandra 84, Pali Junction, Pali Road, Dheeraj Arcade,Above Punjab Sweet House, Bandra (W), Mumbai - 400 050.Tel.: (022) 2655 1382 / 83.

Bhandup (W) Guru Nanak English High School, Bhandup ( W ), Mumbai - 400 078.Tel : (022) 6689 2000 / 08

Bhandup (W)Shop no:10, Lucky Indl. Est.,Near Shivaji Talao,Bhandup(West),Mumbai - 400 078.Tel.: (022) 2595 4521 / 4547

Chembur10/a Parijat, Atur Park,Sion-trombay Road,Chembur, Mumbai - 400 071.Tel : (022) 2521 9216 / 2520 1340

Ghatkopar (E) Guru Nanak High School,Ramabai Colony , Ghatkopar(E), Mumbai - 400 075. Tel : (022) 2525 3649 / 2525 3997

Kandivili (E) Hanuman Nagar, Akurli Road, Kandivili (E), Mumbai - 400 101.Tel : (022) 2965 6705 / 6

Mulund 35/5 Corner court, Opp. Lok Angan, Guru Govind Singh Marg , Mulund Colony, Mulund Mumbai 400 082 Tel : (022) 2590 6235/ 2569 0499

Oshiwara 27 & 28, Oshiwara Shopping Complex Scheme, MHADA, Oshiwara Link Road, Andheri ( W ), Mumbai 400 102. Tel : (022) 2630 2426 / 27

Versova 1/7, New Akhand Jyot premises Co-op.Soc. Ltd., Manish Nagar, J. P. Road,Andheri (W), Mumbai 400 053. Tel : (022) 2637 0687 / 1378 / 3841

Vikhroli (E) 25, MHADA complexOpp. Pandav Nursing home,Ram Hazare Marg, Vikhroli ( E ), Mumbai - 400 083. Tel : (022) 2574 6984 / 2574 3517

Kurla (W) White House Bldg,HDIL Complex,Kirol Road,Opp. L. B. S. Marg,

Kurla(W)Mumbai - 400 070Tel.: (022) 6573 8004 / 11 / 24

Navi Mumbai

AiroliShreeji Dham, Plot NO. 7 Shop No. 13,14 & 15, Sector 7, Airoli,Navi Mumbai - 400 708.Tel.: (022) 2760 4968 / 4954

KoparkhairneKasturi, Plot No. 88 Sector 6, Navi Mumbai. Tel : (022) 2754 7544 / 6413 / 6658

VashiApna Bazar Bldg, 1st Floor, Plot No. 2, Sector No.17, Vashi,Navi Mumbai - 400 703.Tel.: (022) 6690 4000 / 08

KamotheNandanvan CHS. Ltd., Plot no.9,Shop no.7, 8 & 9, Sector 36,Kamothe, Navi Mumbai - 410 209. Tel.: (022) 2292 7572 / 6529 1880

Panvel3-6, Tejaswini Arcade,Plot No. 9,Opp. Panvel Railway station,Panvel-W,Mumbai - 410 206.Tel.: (022) 2748 0461 / 2 / 3 / 4

Thane District

Vasai (E) Link Road, Opposite Agarwal Township,Next to Vasant Nagri,Nallasopara (East), Thane - 401 209. Tel : (0250) 246 4336 / 4316

Nallasopara (E) New Neil Aangan Co-op Hsg.Soceity Ltd.,Central Park,Nallasopara (East), Thane - 401 209. Tel : 92236 82555 / 6 / 7

Virar (E) Shop No. 6, 7, 8 & 9,Madhu Maitray Apts.,Opp. Manvel Pada Talao,Manvel Pada Road,Virar (E). Thane - 401 303.Tel : 0250- 2528 238 / 2529 008

Kalyan (W) B/5 & B/13, Ground floor,Shri Swami Prasad Bldg.,Shelar Park, Khadakpada,Kalyan (W). Thane - 421 301.Tel : (0251) - 6459 017 / 18

Thane (W)Ashar Enclave,Opp. Vardhman Vatika, Dhokali Naka,Kolshet Road,Thane(W),Thane - 400 607.Tel : (022) - 6522 4705 / 6 / 7

Badlapur (E) Yashwant Plaza,“A” Wing, Shop No. 19,20,21,Near Ruchira Hotel,Katrap,Badlapur(E),Dist. ThaneTel : (0251) - 2696916 / 41 / 51

Palghar (W)Palghar Land Development Corporation,Lions Club Building,Kacheri Road,

Palghar (W),Palghar - 401 404

New Delhi

Amar ColonyC-32,33, Amar Colony,Gurudwara Road,Lajpat Nagar - IV,New Delhi - 110 024.Tel : (011) - 2622 1400 / 1 / 2Fax : (011) - 2622 1403

Tilak Nagar6/67, Double Storey,Main Najafgarh Road,Opp Metro Station,Tilak Nagar,New Delhi - 110 018.Tel : (011) - 6502 7869

   Kolhapur

Laxmipuri1842, C Ward, Pawar - Medhe Complex,Somwar Peth, Laxmipuri,Kolhapur – 416 002Tel : 0231 - 6454 461 / 62 / 63

Rajarampuri 1783, E Ward, Rananavare Complex, 2 nd Lane , Rajarampuri,Kolhapur - 416 008Tel.: 0231 - 6615 946 / 947 / 948

Ruikar Colony Plot No. 135, E Ward,Ruikar Colony,Kolhapur- 416 005.Tel : 0231 - 6624 600 / 1 / 2 / 3 / 4 / 5 / 6 / 7 / 8

Shivaji Peth2402/5, A ward, Shivaji Peth, Navsai Apt,New College Road,Kolhapur - 416 012.Tel.: 0231 - 6456 318 / 19 / 20 / 21 / 22 / 23 / 24

K.I.T. Extn. CounterC/o. K.I.T. College , Gokul Shirgoan, Tal. Karveer,Dist. Kolhapur – 416 234.Tel : 0231 - 6454 453 / 54

PSMB Extn. Counter 1061, A Ward,Prince Shivaji Maratha Bording,Shivaji Peth,Kolhapur - 416 012 Tel : 0231 - 6454 451 / 52

Aurangabad

Bagga Chambers,Plot No. 4/18-26,near Hotel Bagga International,opp.Akashwani, Jalna Road,Aurangabad - 431 001Tel no: 0240 6454 831 / 32

Pune

Dange ChowkRutuja Heights,Dange Chowk,Thergaon,Pune - 33.Tel no: 020 - 6510 8109 / 10 / 11

RahataniDivya Heights,Jagtap Dairy Road,Rahatani,Aundh Annexe,Pune - 411 017 Tel : 020 - 6510 8112 / 13 / 14

Karnataka

SirsiC. P. Bazar,Sirsi,Dist. Uttar Kanara,

Karnataka - 581 401. Tel.: (08384) - 228514 / 226901

SiddapurA. P. M. C. Road,Siddapur,Dist. Uttar Kanara,Karnataka - 581 355.Tel.: (08389) - 230322

YellapurMailar Complex Main Road,Yellapur,Dist. Uttar Kanara,Karnataka - 581 359.Tel.: (08419) - 262248

MundgodHudlamani Complex,Yellapur Road,Mundgod,Dist. Uttar Kanara,Karnataka - 581 349.Tel.: (08301) - 222279

KumtaOpp. Head Post Office,Nellikeri, Kumta,Dist. Uttar Kanara,Karnataka - 581 343.Tel.: (08386) - 223801

KarwarMuralidhar Mutt Road,Karwar,Dist. Uttar Kanara,Karnataka - 581 301.Tel.: (08382) - 221817

Sagar

Ashok Road,Sagar,Dist. Shimoga,Karnataka - 577 401.Tel.: (08183) - 227828

SorabDattatraya Building,Main Road,Sorab,Dist. Shimoga,Karnataka - 577 429.Tel.: (08184) - 272043

HonnawarMahale Complex,N.H.17, Honnawar,Dist. Uttar Kanara,Karnataka - 581 334Tel.: (08387) - 222139

TeerthahalliSrinavas Aachar Building,Cartstreet,Teerthahalli,Dist. Shimoga,Karnataka - 577 432.Tel.: (08181) - 227099

Shimoga2nd Cross,Garden Area,Dist. Shimoga,Karnataka - 577 201.Tel.: (08182) - 272001

HosanagarLaxminarayan Building (SLN Building),Mamcos Road,Hosanangar,Dist. Shimoga,

Karnataka - 577 418.Tel.: (08185) – 221958

Nashik

Canada CornerShop No. 15 to 18,Gulmohar Arcade,Sharanpur Road,Canada Corner,Nashik - 422 005Tel.: (0253) - 6577 018 / 1

Shivaji NagarShop No. G-10A, G-10B,Suyojit Arcade, Bodhale Nagar,Nashik Pune Road, Shivaji Nagar,Nashik-422 006.Tel.: (0253) - 2415 968 / 69 / 70

Rules and regulation:

Definitions

In this document the following words and phrases shall have the meanings as set below unless the context indicates otherwise:    Account(s) "Account(s)" refers to the user's bank account including joint accounts, card account, Vastu Siddhi

account, car loan account, consumer durable loan account, depository account and/or any other type of account (each account hereafter referred to as an "Account" and collectively as "Accounts"), so maintained with PMCB Bank or its Affiliate which are eligible Account(s) for purposes of Internet Banking. One of these Accounts shall be designated as the Main Account and all other Accounts, if any, of the user shall be referred to as other Account(s).

   Affiliate "Affiliate" of PMCB Bank shall mean and include (a) any company which is a subsidiary of

PMCB Bank. or (b) a person under the control of or under common control with The PMCB Bank,   PMCB Bank

"Punjab & Maharashtra Co-operative Bank Ltd. Bank" refers to The Punjab & Maharashtra Co-operative Bank Ltd. Bank Limited, a Scheduled Cooperative Bank registered under the Maharashtra Co-operative Societies Act, 1960 and [licensed] as a bank under the Banking Regulation Act, 1949 and having its registered office at 1444, Shukrawar Peth, Thorale Bajirao Road,Pune - 411 002, Maharashtra, INDIA.

   Internet Banking

"Internet Banking" refers to the internet banking service offered or provided by PMCB Bank to the User and which are described in the Terms by which the User may access information and give PMCB Bank instructions in respect of certain of User’s Account(s) with the PMCB Bank. Such

Internet Banking may be provided by PMCB Bank directly or through its associates or contracted service providers or Affiliate.

   User "User" refers to a customer of PMCB Bank and/or of the Affiliate of PMCB Bank , authorised to

use Internet Banking or a person requesting the Internet Banking. In case of the User being a minor, the guardian of such minor shall be permitted to use Internet Banking.

   Personal Information "Personal Information" refers to the information provided by the User to PMCB Bank.

   Terms or E-Terms

"Terms" or “E-Terms” refer to these terms and conditions and any supplementary terms and conditions which we will notify you of under Clause [21.1] below, as amended from time to time .

   Website "Website" refers to the website owned, established and maintained by PMCB Bank located at the

URL http://www.pmcbank.com/In this document all references to the User refers to both masculine and feminine gender.

Applicability of Terms

2.1  These Terms form the contract between the user and PMCB Bank for availing Internet Banking. The user shall apply to PMCB Bank in the prescribed form for use of Internet Banking. PMCB Bank shall be entitled at its sole discretion to accept or reject such applications as may be submitted by the users. In addition to what is provided hereinbefore the User agrees that any use by the User of the Internet Banking shall constitute the User’s acceptance of the Terms. The User applying for Internet Banking will also be deemed as acceptance of the Terms and acknowledged thereof. Notwithstanding anything contained herein, all terms and conditions stipulated by the Affiliates pertaining to the Accounts shall continue to be applicable to the users provided in the event of a conflict in the terms stipulated by the Affiliates and the terms herein, the terms herein shall have overriding effect. These terms will be in addition to and not in derogation of the terms and conditions relating to any account of the user. The PMCB Bank recommends to the User that he should store or print off a copy of the Terms for his records.

  Internet Banking

3.1  For the purpose of availing Internet Banking, the User would need to have legal and valid access to the Internet.

   3.2

The information provided to the User through the Internet Banking is not updated continuously but at regular intervals. Consequently, any information supplied to the user through Internet Banking will pertain to the date and time when it was last updated and not as the date and time when it is supplied  or the date on which the internet is viewed by the User. PMCB Bank shall not be liable for any loss that the User may suffer by relying on or acting on such information.

   3.3

PMCB Bank may keep its records of the transactions in any form it wishes. The PMCB Bank’s records, unless shown to be wrong, shall be evidence of User’s dealings with the PMCB Bank in connection with the Internet Banking. User agrees not to object to the admission of PMCB Bank’s records as evidence in any legal proceedings because such records are not originals, are not in writing or are documents produced by a computer. Where the User agrees to give the PMCB Bank an instruction or request a transaction through the Internet Banking the Terms will apply in addition to the existing terms in respect of your dealings with PMCB Bank either in respect of particular accounts or products or generally. In the event of inconsistency the Terms will apply.

   3.4

Any request for any service, which is offered as a part of Internet Banking, shall be binding on the User as and when PMCB Bank receives such a request. If any request for a service is such that it cannot be given effect to unless it is followed up by requisite documentation on part of the User, PMCB Bank shall not be required to act on the request until it receives such documentation from the User.

   

3.5 The User shall ensure that Internet Banking or any related service is not used for any purpose which is illegal, improper or which is not authorised under these Terms.

   3.6 The User shall be aware that PMCB Bank uses very high level of encryption. The use of such encryption may

be illegal in certain parts of the world. It is the Users responsibility to ensure that, if outside India the User’s ability to use the Internet Banking is permitted by the local laws and PMCB Bank shall not be liable for any loss or damage suffered by the User as a result of not being able to use the Internet Banking in such parts of the world.

   3.7 Notwithstanding anything contained in the Terms, due to the nature of Internet Banking, PMCB Bank shall

not be responsible for any loss or damage to the User’s data, software, computer, telecommunication or other equipment caused by using the Internet Banking.  

authorised Access

4.1  The User shall take all necessary precautions to prevent unauthorized and illegal use of Internet Banking and unauthorized access to the Accounts provided by Internet Banking.

   4.2 PMCB Bank shall take all commercially reasonable care to, ensure the security of and to prevent unauthorised

access to the Internet Banking using commercially reasonable technology available in India to PMCB Bank.

in case of Joint Accounts, transactions through Internet Banking, the facility of Internet Banking shall be available to the 1st account holder in his account held with the PMCB Bank and if he is the Account holder and sole signatory or authorised to act independently in case of a joint account. For such joint accounts, one user-ID and password for Internet Banking will be issued to the  first account holder when requested. The other joint account holders shall expressly agree with the arrangement and give their consent on the application form for use of Internet Banking. All correspondence will be addressed only to the first named person in the joint account . All transactions arising from the use of Internet Banking in the joint account shall be binding on all the joint account holders, jointly and severally. PMCB Bank reserves the right to charge and recover from the User service charge for providing the Internet Banking (including but not limited to the right of charging the User for the use of funds transfer through e-Cheques). The User hereby authorises PMCB Bank to recover the service charge by debiting one of the Accounts of the User or by sending a bill to the User who will be liable to make the payment within the specified period. Failure to do so shall result in recovery of the service charge by PMCB Bank in a manner as PMCB Bank may deem fit along with such interest, if any, and/or suspension of the facility of Internet Banking without any liability to PMCB Bank.

Maintenance of Sufficient Balance

9.1  The User shall ensure that there are sufficient funds (or prearranged credit facilities) in any Account for transactions through the Internet Banking, and PMCB Bank shall not be liable for any consequences arising out of its failure to carry out the instructions due to inadequacy of funds and/or credit facilities provided always that PMCB Bank shall at its sole discretion, be entitled to carry out the instructions notwithstanding such inadequacy without seeking the prior approval from or notice to the User and the User shall be responsible to repay with interest the resulting overdraft, advance or credit thereby created and for all related to costs and charges.

   9.2 PMCB Bank may, at its discretion, levy penal charges for non-maintenance of the minimum balance. In

addition to the minimum balance stipulation PMCB Bank may levy service charges for use of Internet Banking which will be notified by PMCB Bank to the User from time to time in the manner deemed fit to the PMCB Bank. Any change in such service charges will also be notified to the user in the manner deemed fit to

the PMCB Bank. The User authorises PMCB Bank to recover all charges related to Internet Banking as determined by PMCB Bank from time to time by debiting one of the Accounts.

   9.3 PMCB Bank may withdraw the provision of Internet Banking, wholly or partly, if at any time the amount of

deposit falls short of the required minimum as aforesaid and / or if the service charges remain unpaid, without giving any further notice to the User and / or without incurring any liability or responsibility whatsoever by reason of such withdrawal.

Strategies:

1. They give schemes to attract people like 2. PMCB Kar-Mukt Yojna Scheme

3. Double Decker Account

4. Fixed Deposit Scheme structured to permit you to use your own money whenever you need it :

5. Easy Loans forHappy HomesWe have got the key to your flat