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| Disclosure
of complaints and unimplemented awards of Banking
Ombudsman for the year 2007-2008
AUDITED ACCOUNTS
FOR THE YEAR ENDED 31st MARCH, 2008
Corporate
Governance Report for the year ended March 2008
DISTRIBUTION SCHEDULE AS
OF 31.03.2008
UNAUDITED FINANCIAL RESULTS
FOR THE QUARTER AND NINE MONTH ENDED 31ST DECEMBER 2007
DISTRIBUTION SCHEDULE AS
OF 30.09.2007
UNAUDITED FINANCIAL RESULTS
FOR THE QUARTER AND HALF YEAR ENDED 30TH SEPTEMBER 2007
ANNUAL REPORT 2006-2007
UNAUDITED FINANCIAL
RESULTS FOR THE QUARTER ENDED 30th JUNE 2007
DISTRIBUTION SCHEDULE AS
OF 30.06.2007
AUDITED ACCOUNTS
FOR THE YEAR ENDED 31st MARCH, 2007
Rajbank
Saving Bank Privilege Account - Salient Features
Corporate
Governance Report March 2007
DISTRIBUTION
SCHEDULE AS OF 31.03.2007
UNAUDITED FINANCIAL
RESULTS FOR THE QUARTER ENDED 30th DECEMBER, 2006
Code of
Banks Commitment to Customers
Tax Savings Scheme
ATM Sharing arrangement
with SBI started w.e.f. 30.08.2006
SCOPE & OTHER DETAILS
FOR DATA CENTER SHIFTING WORK
ANNUAL REPORT
& AUDITED ACCOUNTS FOR THE YEAR ENDED 31st MARCH, 2006
FAIR PRACTICES CODE ON
LENDERS' LIABILITY (FPCLL)
FAIR PRACTICES CODE FOR
CREDIT CARD OPERATIONS
CHARTER FOR
'SMALL SCALE INDUSTRIES'
RIGHT
ISSUE OF THE BANK
RAJBANK
SMALL SAVING ACCOUNT ( RBSS Account)
NOTICE
FOR BANK'S DEBIT-CUM-ATM CARD USING CUSTOMERS
|
Distribution of Shareholding
as on quarter ending 31.03.2006
| |
Category
|
No. of shares held
|
Percentage of shareholding
|
|
A.
|
PROMOTER’S HOLDING
|
|
|
|
1.
|
Promoters*
|
|
|
| |
- Indian Promoters
|
47506129
|
44.16
|
| |
- Foreign Promoters
|
0
|
0
|
|
2.
|
Persons acting in Concert #
|
0
|
0
|
|
Sub-Total
|
47506129
|
44.16
|
|
B.
|
NON-PROMOTERS HOLDING
|
|
|
|
3.
|
INSTITUTIONAL INVESTORS
|
|
|
|
a
|
Mutual Funds and UTI
|
8,200
|
0.01
|
|
b.
|
Banks, Financial Institutions,
Insurance Companies (Central/State Government Institutions/Non-government
Institutions).
|
2983290
|
2.77
|
|
c
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FIIs
|
1401083
|
1.30
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Sub Total :
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4392573
|
4.08
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4.
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OTHERS
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a.
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Private Corporate Bodies
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11802645
|
10.97
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b.
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Indian Public
|
42230441
|
39.26
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c.
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NRIs/OCBs
|
490891
|
0.46
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d.
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Any other – Clearing Members
& Clearing House
|
1144050
|
1.06
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| |
Sub Total
|
55668027
|
51.75
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Grand Total
|
107566729
|
100.00
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* as defined in Regulation 2 (h)
of SEBI ( Substantial Acquisition of Shares and Takeovers) Regulations,
1997. The promoters' holding shall include all entities in the promoters'
group - individual or body corporates.
# as defined in Regulation 2 (e)
of SEBI ( Substantial Acquisition of Shares and Takeovers) Regulations,
1997
Corporate Governance
Report For The Quarter Ended December 2006
In terms of Clause
49 of the Listing Agreement , we are submitting herewith quarterly
compliance report on corporate governance for the quarter ended
December 2006 as under :
| S. No. |
Particulars |
Clause of Listing Agreement
|
Compliance Status (Yes/No)
|
Remarks
|
|
I.
|
Board of Directors |
49 I |
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(A) Composition of Board |
49 (IA) |
Yes |
- |
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(B) Non-executive Directors' compensation
& disclosures |
49 (IB) |
Yes |
- |
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(C) Other provisions as to Board
and Committees |
49 (IC) |
Yes |
- |
| |
(D) Code of conduct |
49 (ID) |
Yes |
- |
|
II.
|
Audit Committee |
49 (II) |
|
|
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(A) Qualified & Independent Audit
Committee |
49 (IIA) |
Yes |
- |
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(B) Meeting of Audit Committee |
49 (IIB) |
Yes |
- |
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(C) Powers of Audit Committee |
49 (IIC) |
Yes |
- |
| |
(D) Role of Audit Committee |
49 (IID) |
Yes |
- |
| |
(E) Review of Information by Audit
Committee |
49 (IIE) |
Yes |
- |
|
III.
|
Subsidiary Companies |
49 III |
N.A. |
- |
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IV.
|
Disclosures |
49 (IV) |
|
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(A) Basis of related party transactions |
49 (IVA) |
Yes |
-
|
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(B) Board Disclosures |
49 (IV B) |
Yes |
- |
| |
(C)Proceeds from Initial Public offerings |
49 (IV C) |
N.A. |
- |
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(D) Remuneration of Directors |
49 (IV D) |
Yes |
- |
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(E) Management |
49 (IV E) |
Yes |
- |
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(F) Shareholders |
49 (IV F) |
Yes |
|
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V.
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CEO/CFO Certification |
49 (V) |
Yes |
-
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VI.
|
Report on Corporate Governance |
49 VI |
Yes |
- |
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VII.
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Compliance |
49 VII |
Yes |
- |
THE INTEREST
ON DOMESTIC DEPOSITS W.E.F. 01.07.2008
| Period |
For Deposits below Rs. 50.00 lacs |
For Deposits Rs. 50.00 lacs &
above |
| |
Rate of Interest |
Annualised yield at the |
Rate of Interest |
Annualised yield at the |
| 7 Days to 14 Days* |
4.00% |
4.00% |
4.00% |
4.00% |
| 15
Days to 45 Days |
5.25% |
5.25% |
5.25% |
5.25% |
| 46
Days to 90 Days |
6.00% |
6.00% |
6.00% |
6.00% |
| 91
Days to 120 Days |
7.00% |
7.00% |
7.00% |
7.00% |
| 121
Days to 179 Days |
7.50% |
7.50% |
7.50% |
7.50% |
| 180
Days to < 1 Year |
8.25% |
8.33% |
8.25% |
8.33% |
| 1
year to < 21 Months |
9.30% |
9.63% |
9.00% |
9.31% |
|
21 Months |
9.50% |
10.20% |
9.00% |
9.63% |
| 21
Months to 36 months |
9.00% |
9.63% |
9.00% |
9.63% |
| More
than 36months |
8.75% |
9.88% |
8.75% |
9.88% |
|
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* Minimum Rs. 1.00 Lacs
- Usual benefit of additional interest
rate of 1% over the card rates, in case of Staff and Retired members
of Staff and 0.50% in case of Domestic Indian Senior Citizens
will continue..
- The penalty will be in the form
of payment of interest @ 1% below the rate applicable for the
period for which the Deposit remained with the Bank. These instructions
will be effective from 4.12.2006 and applicable on new Term Deposits
and renewal of existing Term Deposits effected on or after 4.12.2006.
- Interest will not be payable
on all those term deposits which have been prematurely withdrawn
before 15 days of their remaining with the bank.
- Preferential rates on single
deposit accepted at rates higher than the indicated above are
payable only if the deposit runs for full contracted period and
in case of premature payment of such deposits interest will be
payable at the normal rates applicable for the period for which
deposit has run with penalty as applicable.
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SALIENT
FEATURES OF RAJBANK FLEXI FIXED DEPOSIT SCHEME AT SELECTED BRANCHES
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ELIGIBILITY
Any resident individual
singly or jointly , including a minor through his guardian
can open the account. The customer must have one operative
Saving Bank / Current account which is to be linked with
Flexi Deposit
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RATE
OF INTEREST
The Flexi Deposit account
is a term deposit and the rate applicable on term deposit
as per rules will be paid. Senior Citizens will also get
additional benefit as per rules .
|
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MIN.
BALANCE IN FLEXI DEPOSIT A/C
SB A/c holder may open
Flexi Deposit A/c with Rs. 5,000/- and current account holder
may open Flexi Deposit A/c with Rs. 20,000/- as min. initial
deposit , future deposits in the account will be in multiple
of Rs. 5,000/-
|
FACILITY
OF REVERSE SWEEP
The scheme has inbuilt
option of reverse sweep also that means when a cheque /
withdrawal is presented for payment in linked SB/CD A/c
number of units in multiples of Rs. 1,000/- will be paid
before maturity. The premature payment of units will
be made on last in first out method.
|
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MIN.
BALANCE IN OPERATIVE SAVING BANK / CURRENT ACCOUNT
In case of SB A/c Min.
balance will be Rs. 5,000/- whereas in case of CD A/c min.
balance of Rs. 25,000/- shall have to be maintained. The
amount in multiples of Rs. 5,000/- above the prescribe minimum
balance in respective account shall be transferred to flexi
Deposit A/c before completion of Day end activity.
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FACILITY
OF AUTOMATIC RENEWAL
As per instructions
of the customer the deposit matured can be renewed automatically
on the due date.
|
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PERIOD
OF FLEXI DEPOSIT ACCOUNT
The Flexi Deposit account
can be opened for 15 days to 90 days (in days) and for 3
months to 12 months (in months) as per the standing instructions
of the customer.
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NOMINATION
The facility of nomination
is also available in the Flexi Fixed Deposit Scheme.
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RAJ BANK
HOME LOAN UNDER "APNA GHAR SCHEME"
FEATURES
| Eligibility |
Individuals |
| Purpose & Quantum of Loan |
Purchase of ready built house/flat ,
land & construction
Max Rs 50 lacs
Repair & renovation
Max Rs 5 lacs
Repayment of loans availed from other approved financal
institutions
|
| Margin |
20% |
| Rate of Interest
(w. e. f. 01/01/2007)
|
On daily reducing balance basis |
| Amount of Loan |
Interest rate % |
| Repayment period (including moratorium period) |
upto 5years |
Above 5 years & upto 10 years |
Above 10 years upto 15 years |
Above 15 years upto 20 years |
| upto Rs 20 lacs (Fixed) |
10.75
|
11.00
|
11.25
|
11.75
|
| above Rs 20 lacs (Fixed) |
11.25
|
11.75
|
12.25
|
12.75
|
| EMI for 1.00 lac (Fixed) |
2162/- |
1378/- |
1152/- |
1084/- |
| upto Rs 20 lacs (Floating) |
9.75 (RPLR+1.50) |
10.00 (RPLR+1.75) |
10.25 (RPLR+2.00) |
10.75 (RPLR+2.50) |
| above Rs 20 lacs (Floating) |
10.25 (RPLR+2.00) |
10.75 (RPLR+2.50) |
11.25 (RPLR+3.00) |
11.75 (RPLR+3.50) |
| EMI for 1.00 lac (Floating) |
2113/- |
1322/- |
1090/- |
1015/- |
| Repayment Period |
Maximum 20 years including moratorium period
or upto the age of 65 years or the remaining service period
( in case the applicant is in service ) whichever is earlier. |
| Security |
1. Mortgage of property
2. Suitable guarantee |
| Service Charges |
Upto Rs 2 lacs - Nil
Above Rs 2 lacs - Rs 500/- per lac or part thereof.
|
| Foreclosure charges |
2% of prepaid amount |
For details, please contact the nearest branch
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Copyright
© 2000 The Bank Of Rajasthan Ltd.
All rights reserved.