TERMS AND CONDITIONS

This document lays out the Terms and Conditions which shall be applicable to all the Account(s)
which are existing or may be opened any time in future with DCB BANK, a banking company
incorporated under the Companies Act, 1956 and having its Registered Office at Registered Office
at 601 & 602, Peninsula Business Park, 6th Floor, Tower A, SenapatiBapat Marg, Lower Parel,
Mumbai - 400013.
Interpretation:
• The words 'I' and / or 'me' and / or 'my' and / or “we” refer to the person(s) who open the account
and shall include both singular and plural.
• The words 'Bank' and / or 'DCB Bank' shall refer to DCB Bank and any of its branches and also
its successors and assignees.
• Any reference to gender will include masculine / feminine and third gender.
• The word “Account(s)” and / or “account(s)” shall mean any of the accounts as mentioned herein
after.
• The word “customer” shall mean the person(s) who open(s) the account(s) and / or avail(s) of any
of the facilities as mentioned herein after.
• The word “Person(s)” shall include individual, partnership firm, company, association of
persons, HUF, society and trust.
DEPOSITS
A. SAVINGS ACCOUNTS
I agree to ensure sufficient balance in my Savings Account before issuing cheques. I / We am /
are aware that under Section 138 of the Negotiable Instruments Act, introduced by the Banking
Public Financial Institutions and Negotiable Instruments Laws (Amendment) Act 66 of 1988, in
terms of which a drawer of a cheque is liable to penalties in case of dishonour of the cheque for
insufficiency, etc. of funds in the account. Accordingly I / we will ensure to draw cheques on the
account only against sufficient funds / clear balance in the account equivalent to the amount of
the cheque being issued. The Bank has the right to review all such accounts which have
frequent cheque returns and take appropriate action, as per internal policies. Such internal
policies are liable to change at the sole discretion of the Bank.
I hereby understand that among all other things, minimum balance requirement for variants of
Savings bank account under various scheme codes would be applicable and is in line with such
updated information as available on the bank's website and SOC attached herewith.
1. Corporate Payroll Accounts:
a. Reversal of Salary Credits: I hereby irrevocably and unconditionally authorise the Bank to
recover, on the request of the employer / Company, by debiting / reversal of credit, any
excess amount credited by and / or on the instructions of the employer / company into my
Account, without any reference or notice to me. The Bank will not be held responsible and
liable for any such debit / reversal of credit carried out by the Bank.
b. Closure of Salary Accounts: I acknowledge that my account has been opened with the Bank
by virtue of my employment with the employer / Company and is designated as "Corporate
Payroll".
c. I understand that pursuant to the arrangement between the employer / Company and the
Bank, I may be, at the sole discretion of the Bank, being entitled for certain facilities on the
Corporate Payroll only during the currency with duration of my employment with the
employer / Company. I hereby agree that for a corporate salary savings account opened by
me, DCB Bank reserves the right to convert it into a regular savings account further ceasing
to be categorised as a salary savings account. Accordingly there will be a change in
minimum balance requirement and applicable service charges. The words "the employer /
Company" refers to the corporate in which I am employed and on whose request the salary
account is opened with the Bank.
2. Minor Account:
a. An Account may be opened on behalf of a minor by his / her natural guardian or by a guardian
appointed by a court of competent jurisdiction. The guardian shall represent the minor in all
transactions with the Bank. I agree and acknowledge that the cheque books, Mobile and Net
Banking passwords, Debit / ATM Cards and Personal Identification Number (PIN) will be
dispatched by courier (or any other mode at the Bank's discretion) at my risk and
consequences to the address notified by me for correspondence. I shall not hold the Bank
liable in any manner whatsoever in respect of such dispatch of these items.
b. The guardian agrees that the minor's account will not be entitled to any overdraft or any
borrowing facility whatsoever.
c. If for any reason there is inadequate balance or the minor's account is overdrawn, the Bank
shall be entitled to dishonour any cheques drawn on the said Account without being liable
for any consequences arising there from.
d. The guardian agrees that on issue of ATM / Debit card, all the terms and conditions as
applicable to ATM / Debit card and its usage mentioned herein shall apply.
e. The guardian agrees and acknowledges that the liability arising due to withdrawal by the
minor, including through use of ATM / Debit card is assumed by the guardian and shall be
discharged by the guardian alone. The guardian shall be fully bound by all debits to the
minor's account including through the use of ATM / Debit card.
f. The guardian agrees that the Bank shall be entitled without any notice to debit any of his / her
accounts to recover all charges, fees, interests, costs or any amounts overdrawn from the
minor's account.
h. The guardian agrees to indemnify the Bank against all actions, claims, demands,
proceedings, damages, losses, costs, charges and expenses whatsoever which the Bank
may at any time incur, sustain, suffer or be put to as a consequence of or arising out of
opening and / or operation of the minor account including withdrawal / transactions through
use of ATM / Debit card or Online Banking platforms and further against all and any claims of
the minor for any withdrawal / transactions made by the guardian in the minor's account.
j. An account may be opened on behalf of a minor by his / her natural guardian or by a guardian
appointed by a court of Competent Jurisdiction. The guardian shall represent the minor in all
transactions of any description in the above account until the said minor attains majority.

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 Upon the minor attaining majority, the right of the guardian to operate the account shall
cease. The guardian agrees to indemnify the Bank against the claim of above minor for any
withdrawal / transactions made by him in the minor's account.
k. Conversion on attainment of Major status:
A communication letter from Bank shall be sent to the Customer intimating him about the
facility of conversion of his Account to a regular < Account type> account. Upon the
Customer attaining majority, Bank shall have the right to freeze the Account. Such freeze
shall be released only upon the fulfillment of all account opening formalities by the Customer
(minor) as applicable to regular< Account type>
l. On attaining Majority:
Any cheques issued by Guardian prior to the date of the Customer attaining majority and
which has been presented for clearing after the conversion of the account shall not be
honoured by Bank. Upon the Customer attaining majority, the Guardian shall not be
permitted to operate the Account
3. Basic Savings Bank Deposit Account (BSBDA) / Small accounts:
a. I am / We are aware that the product is introduced to ensure that the inability of person
belonging to low income groups to produce documents to establish their identity and
address does not lead to their financial exclusion and denial of banking services. A simplified
procedure has been provided for opening of account in respect of those persons who do not
intend to keep balances above `50,000 or such other balances as may be stipulated by the
Bank from time to time at its discretion, and whose total credit in one year is not expected to
exceed `1,00,000, or such other balances as may be stipulated by the Bank from time to
time at its discretion. In case of account balance or credit in one year exceeds the prescribed
limit, customer's account will be frozen till the customer would establish their identity and
address proof as required in the regular Savings Accounts.
b. By applying for DCB Basic Savings Bank Deposit Account (BSBDA):
(I) I/We hereby confirm that I/we do not hold BSBD account in any other bank.
(ii) I/We undertake to close the existing savings bank account in the Bank, if any, within
30 days of opening BSBD account.
(iii) I/We am/are aware that I/we will not be eligible to open any other savings bank account
in the Bank.
B. CURRENT ACCOUNTS
a. I / We hereby declare that I / we am / are not enjoying credit facilities with any of the Bank's
branches or any other bank at the time of opening this Current Account. I undertake to
inform the Bank in writing in case any credit facility is availed of by me from any other bank.
b. I / We agree to repay to the Bank on demand, unconditionally, the amount of overdrafts that
the Bank may grant to me from time to time, together with interest accrued thereon. I / We
agree that this does not imply that the Bank is bound to grant me any credit facility
whatsoever.
c. I agree to ensure sufficient balance / not to exceed arrangement in my current account
before issuing cheques. I / We am / are aware that under Section 138 of the Negotiable
Instruments Act, introduced by the Banking Public Financial Institutions and Negotiable
Instruments Laws (Amendment) Act 66 of 1988 in terms of which a drawer of a cheque is
liable to penalties in case of dishonour of the cheque for insufficiency, etc. of funds in the
account.” Accordingly I / we will ensure to draw cheques on the account only against
sufficient funds / clear balance in the account equivalent to the amount of the cheque being
issued. The Bank has the right to review all such accounts which have frequent cheque
returns and take appropriate action, as per internal policies. Such internal policies are liable
to change at the sole discretion of the Bank.
RERA designated ACCOUNTS
I/ we understand that the conduct of RERA account will be governed by applicable regulatory
guidelines including but not limited to release of funds in linked current account being subject to
submission of prescribed documents / certificates, and any other regulatory guideline as may be
applicable for the opening, operations and conduct of RERA accounts from time to time”.
C. FIXED DEPOSITS
a. I / We agree that the stipulated income tax on interest earned on Fixed deposits be deducted at
source as directed by the Government of India.
b. I / We agree to the Bank issuing certificate in the prescribed form for tax deducted at source on
interest on Fixed Deposits, at the end of the Bank's Financial Year only which shall commence
from the 1st of April every year and end on the 31st of March every year.
c. I / We agree that, on maturity of my Fixed Deposit, in absence of my / our written instructions on
disposal, the Bank reserves the right at its discretion to renew the deposit along with accrued
interest thereon in the same name and for the same tenure as of the original Fixed Deposit at the
rate/s of interest, then prevailing.
d. I / We agree that if the Bank permits me / us to make a pre-mature withdrawal of my / our Fixed
Deposit, the recovery of interest already paid or the penalty may be recovered from the
proceeds of the Fixed Deposit, in accordance with prevailing regulations of the Bank and the
Reserve Bank of India.
ADVANCES
A. OVERDRAFT ACCOUNTS / FACILITY
(1) In consideration of the Bank having granted / agreed to grant me / us a Temporary Overdraft
facility for an amount not exceeding the predefined limit, (which will not exceed 90% or above of
the amount(s) that may be held by the Bank in Term Deposits on my behalf). I / We hereby agree,
record and confirm, that the Bank shall have a first charge on the amount(s) of such Term
Deposits (which expression shall mean and include all such amounts standing to my / our credit
in the Term Deposit account with the Bank and whether such sums are additional to or by way of
renewal of or replacement for any sums deposited / to be deposited by me / us with the Bank or
otherwise together in each case with all and any interest accruing in respect thereof) as a
continuing security for the due repayment by me / us to the Bank on demand of all the sums
which at any time or from time to time become due and owing by me / us to the Bank in respect of
the said Temporary Overdraft facility and all interests, costs, charges, expenses, and other
amounts whatsoever which may become due and payable by me / us to the Bank.

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(2) I / We hereby irrevocably and unconditionally agree that the Bank shall be entitled to discontinue
or terminate the said Temporary Overdraft facility at any time without notice to me.
(3) I / We hereby irrevocably and unconditionally authorise the Bank to appropriate, adjust and set
off the amount(s) of such Term Deposits towards the dues of the Bank in the event of my / our
failure to pay the amount demanded by the Bank from me / us, the demand of the Bank being
conclusive as to my / our liability for repayment thereof and for the said purpose.
(4) I / We hereby irrevocably and unconditionally authorise the Bank, on the basis of my / our
consent, to terminate all or any part of the Term Deposits prior to the maturity date thereof.
SWEEP IN INSTRUCTIONS
(1) I / We agree that all sweep-in accounts will have the same title.
(2) I / We agree that all sweep-in deposits will be for a predetermined period only.
(3) I / We authorise the Bank to break units of deposits formed due to sweep out instruction in case
there is insufficient balance and / or the balance in the account is less than the specified
threshold limit in my / our linked Savings / Current Account.
ATM USABLE CARDS
(1) Fees: I / We agree that all fees / taxes / surcharges / service charges and all other levies related to
the ATM usable card may be recovered by the Bank by debit to my / our account.
(2) Transactions Responsibility: I / We will be responsible for all types of transactions processed
by the use of my / our ATM usable card, whether or not processed with my / our knowledge or
authority, express or implied. I / We shall accept the Bank's record of transactions as conclusive
and binding for all purposes.
(3) Cash Withdrawal Limits: I / We will be allowed to withdraw through the ATM, only a pre-defined
amount of cash everyday, irrespective of the credit balance in my / our account. This amount will
be determined by the Bank and may be changed at any time at the Bank's sole discretion
without notice to me / us. I / We agree that cash withdrawals will be subject to tax as applicable
from time to time.
(4) Overdrawn Accounts: I / We agree not to attempt to overdraw cash from the ATM unless
sufficient funds are available in my / our account. The onus of ensuring adequate account
balances is entirely on me / us. In case my / our account gets overdrawn due to cash withdrawal
from the ATM, I / We agree to rectify the account balance position immediately. In case my / our
account gets overdrawn, the Bank may levy any charge, which the Bank deems fit in addition to
any interest to be charged on the debit balance in my / our account.
(5) Deposits:
a. I / We shall not deposit any cash in a Cheque Drop Box nor deposit any cash in a Drop Box
meant for collecting other documents / payments. I / We agree and acknowledge that in
case I / we deposit any cheque / cash in the wrong Cheque Drop Box or Drop Box then the
Bank shall not be liable or responsible for the consequences of the same.
b. I / We acknowledge that no receipt will be issued for any cheque deposited for collection in
the Cheque Drop Box.
c. I / We understand that the Bank will process the cheque deposited, on the basis of the
information provided by me / us in the pay-in-slip duly filled in by me / us. The Bank will not
be held responsible for any wrong credits due to incorrect information provided by me / us in
this regard. I / We shall hold the Bank harmless for any consequences arising thereof.
(6) PIN: I / We understand that the Bank will allot to me / us a unique PIN (Personal Identification
Number) which will allow me / us to access my / our account through the ATM. The Bank will
despatch the PIN in a sealed envelope. On receipt, I / we shall ensure that the same is received
by me / us in a sealed envelope. I / We shall be responsible to maintain the confidentiality of the
PIN and not to reveal the PIN to any third party. I / We shall commit the PIN to memory and not
record the PIN in a written or electronic format.
(7) Validity of Card: I / We agree that the ATM usable card at all times is the Bank's property. The
validity period of the ATM usable card will be mentioned on the face of the card. I / We agree to
surrender the card to the Bank in case of account closure or whenever demanded by the Bank
for any reason whatsoever.
(8) Lost Card: In case my / our ATM usable card is misplaced, stolen or otherwise lost, I / we agree
to immediately report the event in writing to the Bank or call up at the Phone Banking. I / We
understand that the ATM usable card will be cancelled by the Bank only during the working
hours on a working day following the receipt of such intimation or 24 hours whichever is later.
The Bank shall not be liable for any loss by the misuse of the ATM usable Card during such time
that I / we would have lodged complaint with the Bank and the Bank would have actually
cancelled the same as prescribed herein.
(9) Security of Card: I / We agree to keep our ATM usable Card in safe custody and agree not to
hand over the ATM usable Card to any person including any person who is a representative or
claims to be a representative of the Bank. I / We understand that the Bank shall not be
responsible for any misuse of the ATM usable Card by virtue of the same falling into wrong
hands.
(10) Transaction not getting completed: I / We understand that due to reasons beyond the control
of the Bank or force majure like discontinuance of power supply / lost communication /
mechanical problems / problems in ATM Machine / system problems, etc. the ATM will not be
able to complete the desired transaction. I / We understand that the Bank will not be responsible
for any ATM transaction not getting completed. I / We also understand that due to system
maintenance / ATM errors, the ATM may not dispense the complete amount of cash that I / We
have requested for. I / We understand that in such circumstances, I / We shall not hold the Bank
responsible for not receiving the requested cash.
(11) Wrong entries to Account pertaining to ATM transactions: In case I / we find out that a wrong
entry has been debited to my / our account for ATM transactions not done by me / us, I / we
would immediately raise the issue with my / our home branch. I / We understand that the Bank
will do a thorough investigation of the same and revert to me with their final findings and decision
of the Bank shall be final and binding on me / us.
(12)Audit Trail to be final and conclusive in case of any dispute: I / We agree that in case of any
dispute the Bank will be using the audit trail of the ATM (either in a printed or in non-editable
electronic form) as the final and conclusive evidence in all disputes. I / We agree to abide by the
recordings of the audit trail.

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(13)In case, I / we receive mutilated / torn / cut currency note(s) from the ATM, I / we will go to the
branch of the Bank where I / we have opened the account and exchange the currency note(s) by
submitting a letter and the transaction slip and confirming that I / we did the transaction at the
ATM. Any other forms of claim will not be entertained.
Form I
FEMA DECLARATION (DECLARATION-cum-UNDERTAKING)
[Under Section 10(5), Chapter III of The Foreign Exchange Management Act, 1999]
I / We hereby declare that the transaction the details of which are specifically mentioned in the
Schedule hereunder does not involve, and is not designed for the purpose of any contravention or
evasion of the provisions of the aforesaid Act or of any rule, regulation, notification, direction or order
made there under.
I / We also hereby agree and undertake to give such information / documents as will reasonably
satisfy you about this transaction in terms of the above declaration.
I / We also understand that if I / we refuse to comply with any such requirement or make only
unsatisfactory compliance herewith, the Bank shall refuse in writing to undertake the transaction
and shall if it has reason to believe that any contravention / evasion is contemplated by me / us
report the matter to Reserve Bank of India.
I / We further declare that the undersigned has / have the authority to give this declaration and
undertaking on behalf of the firm / company.
Signature of the Applicant for Foreign Exchange
* Applicable when the declaration / undertaking is signed on behalf of the firm / company.
SCHEDULE
All foreign exchange transactions as may be entrusted by us to the Bank from time to time.
A. APPLICABLE TO ALL ACCOUNTS / SERVICES
1. I / We agree to abide by the Bank's Terms and Conditions and rules in force and the changes
there to in Terms and Conditions from time to time relating to my / our account.
2. I / We agree that the opening and maintenance of the account is subject to rules and regulations
introduced or amended from time to time by the Reserve Bank of India.
3. I / We agree that the Bank will be at liberty to close my / our account any time without assigning
any reason whatsoever.
4. I / We agree that the Bank can, at its sole discretion, withdraw any of the services / facilities given
in my / our account either wholly or partially at any time by giving one month's notice.
5. I / We agree that any change in my / our account status or change of address will be immediately
informed to the Bank.
6. I / We agree that all instructions relating to my / our account will be issued in writing satisfactory
to the Bank in form and content.
7. I / We agree and acknowledge that the cheque books, Phone Banking Telephone Identification
Number (TIN), Mobile and Net Banking passwords, Debit / ATM Cards and Personal
Identification Number (PIN) will be despatched by courier (or any other mode at the Bank's
discretion) at my / our risk and consequences to the address notified by me / us for
correspondence. I / We shall not hold the Bank liable in any manner whatsoever in respect of
such despatch of these items.
8. I / We acknowledge that no receipt will be issued for any cheque deposits in the Cheque Drop
Box.
9. I / We understand that the Bank will process the cheque deposited in the Cheque Drop Box on
the basis of the information provided by me / us in the pay-in-slip duly filled by me / us. The Bank
will not be held responsible for any wrong credits due to incorrect information provided by me /
us in this regard. I / We shall hold the Bank harmless for any consequences arising thereof.
10. I / We agree to preserve my cheque book / ATM / Debit card carefully. In case of loss / theft of the
same I / we shall immediately inform the Bank in writing.
11. I / We agree that I / we shall maintain the minimum balance in my / our account(s) as prescribed
by the Bank.
12. I / We agree that I / we shall be liable to pay all charges, fees, interest, costs wherever applicable,
which the Bank in its absolute discretion may levy with respect to my / our account or any
transaction and the same may be recovered by the Bank by a debit to my / our account.
13. I / We agree that I / we shall not pay any amount in cash to any Sales Representative of the Bank
at the time of opening an account or carrying out any transaction in the normal course of the
business. I / We agree to deposit cash only at the Teller counters or in the ATM.
14. I / We agree that the Bank will send me / us communications / letters / cheque books, etc.
through courier / messenger / mail e-mail / SMS / or through any other mode at its discretion and
the Bank shall not be liable for any loss or delay arising therefrom.
15. I / We agree that Bank will, unless requested by me / us in writing to the contrary, issue cheque
book on the opening of my account. Further issue of cheque books will be only against written
requisition by me / us or by using a valid login through ATM, Phone Banking or Mobile / Net
Banking.
16. I / We agree that in the event of an account being overdrawn, the Bank reserves the right to set
off such overdrawn amount against any credit lying in any of my accounts without giving any
notice to me / us.
Declaration under Liberalised Remittance Scheme:
I hereby declare that:
1. The total amount of foreign exchange purchased from or remitted through, all sources in India,
during this Financial year including this application is within the limit of USD 2,50,000 or
equivalent as prescribed by Reserve Bank of India.
2. I hereby certify that the source of funds for making such purchase/ remittance belongs to me
and undertake that the foreign exchange will not be used for prohibited purposes.
3. I am a person resident in India. I am not a Foreign National/ Non- Resident Indian(NRI)/ Person of
Indian Origin (PIO) or Overseas Citizen of India (OCI)
4. I have not availed any loan / credit/ borrowings for remitting under l Liberalised Remittance
Scheme for Capital Account transactions
5. I have not clubbed remittance value with any of my family member, if we are not the co-
owners/co-partners of the investment/property/overseas bank account.

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OFAC declaration:
I. I/We declare that my/ our counter party in the transaction is/are free from any sanction to the
best of my/ our knowledge, and I/ We shall solely be responsible, if it is later found to be false.
II. I/Weundertake not to hold DCB Bank Ltd, responsible in any manner whatsoever in nature and
hold DCB Bank Ltd, fully indemnified against all losses and damages that may be caused to me
on account of funds remitted under this transaction being confiscated or blocked or seized by
any authority / government / Agency / Bank.
III. I undertake to bear the risk of currency or cross currency, if any, in case the Bank needs to
convert the remittance amount to any other currency or vice-versa or whatsoever in nature.
IV. I/We authorise the Bank to furnish any material information relating to this transaction as
required by any authority / Government / Agency / your Correspondent Bank overseas, now or in
future.
I/We authorise the Bank, to make available any of the material information pertaining to my/our
transaction to any authority / Government / Agency / your Correspondent Bank overseas
without referring the matter to me/us.
B. PHONE BANKING
1. I / We accept that at my / our request the Bank has agreed to provide me / us the facility of
carrying out banking transactions by giving instructions through the Interactive Voice Response
System (IVRS) and / or verbally to a Phone Banking officer (agent).
2. I / We am / are aware that in connection with such facility I / we am / are required to identify
myself / ourselves to the Phone Banking System by using my / our Customer Identification
Number and my / our Telephone Identification Number (TIN) and / or manual verification checks
as decided by the Bank from time to time.
3. The Bank has no means of verifying the identity of the person giving the telephone instructions in
my / our name and I / we further agree not to hold the Bank liable for any loss or damage incurred
or suffered by me / us due to any error, defect, failure or interruption in the provision of Phone
Banking services arising from or caused by any reason whatsoever.
5. I / We agree that the Phone Banking facility will be available and applicable to all my / our existing
accounts and all other accounts that may be opened from time to time.
6. I / We unconditionally agree that I / we shall not hold the Bank liable for:
a. Transactions resulting from carrying out my / our telephonic instructions in good faith any
delay or inability on its part in carrying out any telephonic instructions.
b. Transactions that are carried out on telephonic instructions given by unauthorised persons
who might have illegally or otherwise gained access to my / our confidential TIN.
c. Not carrying out such instructions where the Bank has reason to believe that the instructions
are not genuine or are otherwise unclear, improper, vague or doubtful accepting instructions
given by any one of us in case of joint accounts.
8. I / We agree that the record of the instructions given and transactions concluded over the phone
shall be conclusive proof and binding for all purposes and can be used as evidence in any
proceedings.
C. BILL PAY FACILITY
1. I / We agree and accept the services as provided by the Bank at my / our request to carry out my /
our bill payments by Phone Banking / ATM / Net Banking / Mobile Banking. The instructions for
bill payments will be given by me / us from time to time.
2. I / We agree to provide my / our correct identification details as registered with the billing
company. I / We agree to indemnify the Bank from any liability due to erroneous information
given by me / us in this regard.
3. I / We agree that in case of any change in my / our identification details, it would be my / our
responsibility to communicate these changes as registered with the billing company to the Bank
immediately.
4. I / We agree that this facility will be available to me / us subject to and upon receipt of the billing
company's confirmation as to the details furnished by me / us.
5. I / We have no objections whatsoever to the billing company providing my / our billing details to
the Bank.
6. I / We agree that all billing and payment details will be prepared by electronic means and the
information contained therein will be extracted from the computerised system maintained by the
billing company and the Bank respectively. The Bank is not liable for any error in the statement
and I / We shall always hold the Bank harmless against any losses, damages, etc. that may be
incurred or suffered by me / us if the information contained turns out to be inaccurate / incorrect.
7. I / We agree that any disputes on bill details will be settled directly by me / us with the billing
company and the Bank's responsibility is limited to provision of information only.
8. I / We agree to pay the exact amount due as per the utility company's bill before the expiry of due
date thereof and failing which I / we shall hold the Bank harmless against the consequences
thereof including in particular the non-payment of bill amount.
9. I / We unconditionally agree that I / we shall not hold the Bank liable for:
a. Such transactions that are carried out on my / our instructions in good faith.
b. Not carrying out such instructions where the Bank has reason to believe (which decision of the
Bank. I / we shall not question / dispute) that the instructions are not genuine or are other wise
unclear, improper, vague or doubtful.
c. Accepting instructions given by any one of us (in case of joint accounts).
d. For any loss or damage incurred or suffered by me / us due to any error, defect, failure or
interruption in the provision of bill payment services arising from or caused by any reason
whatsoever.
e. Withdrawing / suspending the facility wholly / partially without prior notice to me / us.
f. I / We agree that the record of instructions given and transactions with the Bank shall be
conclusive proof and binding for all purposes and can be used as evidence in any proceedings.
10. I / We agree that all transactions other than those executed instantaneously by the Bank, that is
those requiring processing by the Bank / billing company will be carried out only during business
hours and the value dates if any, will follow the operating hours / days decided by the Bank /
billing company.

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11. I / We agree the Bank is at liberty to withdraw at any time, the Bill Payment facility, or any services
provided there under, in respect of any or all the accounts without assigning any reason
whatsoever and without giving me / us any notice.
12. I / We agree to give the Bank 15 days notice in writing and obtain an acknowledgment thereof in
order to terminate the Bill Payments facility availed by me / us.
13. I / We agree that all the conditions applicable to ATM services and Phone Banking services are
binding on me / us in this regard.
D. MOBILE BANKING
1. Definitions:
In this section, the following words and phrases have the meaning set opposite them unless the
context indicates otherwise:
a. “Mobile Banking” means facility of access to information relating to the saving / current /
loan account(s) / fixed deposit of the customer and usage of products and / or other
services as may be advised or made available on Mobile Phone by the Bank from time to
time on / through Mobile Banking. The words Mobile Banking and Mobile Banking services
are used interchangeably in this document.
b. “Mobile Phone” means the handset together with requisite accessories, equipment,
attachments and other software which is owned / possessed by the customer / cellular
service subscriber.
c. “User” refers to a customer of the Bank authorised to use the Mobile Banking service
provided by the Bank.
d. “Personal Information” refers to the information about the user obtained in connection with
the Mobile Banking service.
e. “Cellular Service Provider” or “CSP” refers to the GSM / CDMA service provider (for
operation of Mobile Phones) who has entered into an agreement with the Bank for provision
of Mobile Banking services to its customers.
2. Applicability of Terms and Conditions: These Terms and Conditions form the contract
between the User, the Bank, and the Cellular Service Provider and shall be in addition to and not
in derogation of the terms and conditions relating to any account of the User and / or the
respective product or the service provided by the Bank or the CSP.
3. Eligibility: Any customer of the Bank, having a saving / current / loan account(s) / fixed deposit
authorised to operate singly or on either or survivor basis and who is also a Current Subscriber of
the CSP. The User should have access to the Mobile Phone and knowledge of how the Mobile
Phone works. The User should at all times possess the Mobile Phone software, which is required
for using Mobile Banking. In case of Minor accounts, only the natural guardian of the minor shall
be eligible to avail of this service.
4. Registration: I / We agree that I / we shall be entitled to use the Mobile Banking service only if my
/ our application is found in order and the relevant particulars are registered by the Bank and the
CSP. The Bank and the CSP shall be at liberty to reject my / our application without assigning
any reason.
5. Mobile Banking: The Bank shall endeavour to provide to the User through Mobile Banking,
such services as the Bank may decide from time to time. The Bank reserves the right to decide
the type of services which a user may be offered on each account and may differ from user to
user. The Bank may also make additions / deletions to the services offered through Mobile
Banking at its sole discretion.
6. Only those accounts opened with the Bank and attached to the respective User's ID will be
accessible through Mobile Banking.
7. There will be no obligation on the Bank to support all the versions of this Mobile Phone software.
8. Mobile Banking Access: I / We agree that I / we shall use only my / our Mobile Phone to access
the Mobile Banking Service of the Bank. The access is restricted to me / us on the specific
Mobile Phone number(s) registered with the Bank for Mobile Banking. I / We shall not disclose
my / our MPIN number/s relating to the Mobile Phone(s), to any person or write / record it at any
place whereby some other person can come to know my MPIN No. I / We understand that in
case I / we fail to follow / adhere to this, I / we shall be solely responsible for the consequences
arising there from. I / We shall not attempt or permit others to attempt accessing the account
information stored in the computers of the Bank through any unauthorised means. I / We shall
not allow any other person to have access to my / our Mobile Phone(s) or leave the Mobile
Phone(s) unattended.
9. Authority to the Bank: I / We grant express authority to the Bank for carrying out the
transactions performed by me / us through Mobile Banking. The Bank shall have no obligation to
verify the authenticity of any transaction received from me / us through Mobile Banking or
purporting to have been sent by me / us via Mobile Banking other than by means of verification of
the Mobile Phone number(s). The display that is produced by me / us at the time of operation of
Mobile Banking is a record of the operation of the mobile access and shall not be construed as
the Bank's records of the relative transactions. The Bank's own records of transactions
maintained through computer systems or otherwise shall be accepted as conclusive and
binding for all purposes unless I / we point out any discrepancy within a week from the date of
receipt of periodical statement. All transactions arising from the use of Mobile Banking, to
operate a joint account, shall be binding on all the joint account holders, jointly and severally.
10. Accuracy of Information: I / We am / are responsible for the correctness of information
supplied by me / us to the Bank through the use of or through any other means such as electronic
mail or written communication. Neither the Bank nor the CSP accepts any liability for the
consequences arising out of erroneous information supplied by me / us. If I / we suspect that
there is an error in the information supplied to the Bank by me / us, I / we shall advise the Bank as
soon as possible. The Bank will endeavour to correct the error wherever possible on a 'best
efforts' basis. If I / we notice an error in the account information supplied to me / us through or by
the use of any of the Mobile Banking services, I / we shall advise the Bank as soon as possible.
The Bank will endeavour to correct the error promptly and adjust any interest or charges arising
out of the error. All outputs of statements are duplicate statements of account and will be
prepared by electronic means and the information contained therein will be extracted from a
computerised back up system maintained by the Bank. While the Bank will take all reasonable
steps to ensure the accuracy of the statement, the Bank is not liable for any error. I / We shall

6
 hold the Bank harmless against any loss, damages, etc. that may be incurred / suffered by me /
us if the information contained in the above said outputs turns out to be inaccurate / incorrect.
11. Liability of the User: I / We shall not be liable for any unauthorised transactions occurring
through the use of Mobile Banking which can be attributed to the fraudulent or negligent
conduct of the employees or agents of the Bank. I / We shall not be liable for losses arising out of
the unauthorised transactions occurring in my / our accounts if I / we have complied with the
Terms and advised the Bank in writing under acknowledgement immediately after I / we suspect
that my / our Mobile Phone number is / has been allotted to another person and / or notice an
unauthorised transaction in my account, after a maximum of two days from the receipt of such
advice by the Bank. I / We agree that the access to Mobile Banking is through my / our Mobile
Phone and any transaction which originates from the same, whether initiated by me / us or not
shall be deemed to have originated from me / us. I / We shall be liable for all losses from
unauthorised transactions in my / our accounts if I / we have breached the Terms or contributed
or caused the loss by negligent actions such as the following:
a. Not advising the Bank in a reasonable time about unauthorised access to or erroneous
transactions in the Mobile Banking accounts.
b. In case of change in or termination of the Mobile Phone number / SIM Card, not informing the
Cellular Service Provider and the Bank about the change / termination.
c. I / We understand that in the event of my / our Mobile Phones getting lost or falling in the
wrong hands, it can be misused. I / We hereby agree to indemnify the Bank for any such
misuse arising out of the same.
12. Liability of the Bank: The Bank shall, in no circumstances, be held liable by me / us, if access is
not available in the desired manner for reasons including but not limited to natural calamity,
floods, fire and other natural disasters, legal restraints, faults in the telecommunication network
or network failure, software or hardware error or any other reason beyond the control of the
Bank. Under no circumstances shall the Bank be liable for any damages whatsoever whether
such damages are direct, indirect, incidental, consequential and irrespective of whether any
claim is based on loss of revenue, investment, production, goodwill, profit, interruption of
business or any other loss of any character or nature whatsoever and whether sustained by the
User or any other person. The Bank is in no way liable for the services provided by the CSP in
relation to the Mobile Phone. The Bank is in no way responsible and / or liable for the charges
levied by the CSP in relation to Mobile Banking transaction.
13. Liability of the CSP: The CSP and the Bank do not warrant the confidentiality or security of the
messages whether personal or otherwise transmitted through Mobile Banking service. The CSP
makes no warranty or representation of any kind in relation to the system and the network or
their function or performance or for any loss or damage whenever and however suffered or
incurred by the User or by any person resulting from or in connection with the Mobile Banking
Service or the CSP network. Without limitation to the other provisions of this agreement, the
CSP, its employees, agents or contractors, shall not be liable for any loss or damage whether
direct, indirect or consequential, including but not limited to loss of revenue, profits, business,
contracts, anticipated savings or goodwill, loss of use or value of any equipment including
software, whether foreseeable or not, suffered by the User or any other person howsoever
arising from or relating to any delay, interruption, suspension, resolution of error of the Bank and
the Mobile Banking service in receiving and processing the request and in formulating and
returning responses or any failure, delay, interruption, suspension, restriction or error in the
transmission of any information or message to and from the telecommunication equipment of
the User and the CSP network and the Bank's system or any break down, interruption,
suspension or failure of the telecommunication equipment of the User, the Bank's system or the
CSP network. Notwithstanding herein to the contrary, the CSP shall not be involved in or in any
way liable to the User for any dispute between the Bank and the User.
14. Indemnity: I / We shall indemnify and hold the Bank and the CSP harmless against any loss
suffered by the Bank, its customers or a third party or any claim or action brought by a third party
which is in any way the result of the Mobile Banking by me / us. I / We agree that the Mobile
Banking service uses the network provided by the CSP. I / We hold the Bank harmless against
any loss incurred by me / us due to failure in this network.
15. Disclosure of Personal Information: I / We agree that the Bank or its contractors may hold and
process my personal information on computer or otherwise in connection with Mobile Banking
services as well as for statistical analysis and credit scoring.
16. Termination of Mobile Banking Service: I / We can request for termination of the Mobile
Banking facility any time by giving a written notice of at least 15 days to the Bank. I / We agree
that I / we shall remain responsible for any transactions made on my / our Mobile Banking
account(s) through Mobile Banking until the cancellation of my / our Mobile Banking service. The
Bank may withdraw the Mobile Banking facility anytime and shall endeavour to give a
reasonable notice under the circumstances. The closure of all my accounts will automatically
terminate the Mobile Banking service. Similarly the Bank may suspend or terminate Mobile
Banking facilities / services without prior notice if I / we have breached these Terms and
Conditions.
17. Notices: I / We am / are aware that the Bank may give notices under these Terms and
Conditions, electronically to my / our mailbox (which will be regarded as being in writing), or in
writing by delivering them by hand, or by sending them by post to the last address given by me /
us and in the case of the Bank to its registered office. In addition, the Bank may also publish
notices of general nature, which are applicable to all Users of Mobile Banking on the web site of
the Bank. Such notices will have the same effect as a notice served individually to me / us.
2. Availability:
a. The customer has requested for this facility which Bank at its sole discretion may discontinue at
any time without any prior notice.
b. The Alerts will be sent to the customer only if the customer is within the cellular circles of the
CSPs or in circles forming part of the roaming GSM network agreement between such CSPs.
c. The Bank may, wherever feasible, shall extend the facilities to other cellular circles as well as to
subscribers of other cellular service providers, as will be notified by the Bank, from time to time.
d. A Mobile Phone trigger may not be made by the customer or Bank if the account's operations
have been suspended for any reasons whatsoever.

7
e. The customer assumes full responsibility for the security and confidentiality of his / her Mobile
Phone / Mobile Phone number and Mobile Phone identification number to be used in initially
gaining access to his / her account(s) through the use of his / her Mobile Phone.
3. Withdrawal or Termination:
a. The Bank may, in its discretion, withdraw temporarily or terminate the facility, either wholly or in
part, at any time. The Bank may, without prior notice, suspend temporarily the facility at any time
during which any maintenance work or repair is required to be carried out or in case of any
emergency or for security reasons, which require the temporary suspension of the facility.
b. Notwithstanding the terms laid down herein, either the customer or the Bank may, for any reason
whatsoever, terminate this agreement at any time upon prior written notice. Liabilities incurred
by the customer shall, however, survive the termination of this agreement.
4. Fees:
a. As an introductory offer, the facility is currently being made available by the Bank to the
customer as a free of cost service. The Bank at a later date may decide to introduce fees which
the customer shall be liable to pay to the Bank such fees as may be applicable from time to time.
The customer shall be liable for payment of such airtime or other charges which may be levied by
the CSP in connection with the receiving of the Alerts, which may be levied by the CSP as per the
terms and conditions of the CSP and the Bank is in no way concerned with the same.
b. Unless otherwise waived by the Bank, the customer shall pay the Bank, its standard fees and
charges for the use of the service. In this connection, the Bank is hereby authorised by the
customer to debit any of the customer's account with the Bank.
5. Disclaimer:
a. The Bank will not be liable for: (i) any unauthorised use of the customer's identification number
or; (ii) Mobile Phone number / instrument or unauthorised access to e-mails received at his
notified email address for any fraudulent, duplicate or erroneous instructions / Triggers given by
use of the same; (iii) acting in good faith on any instructions / Triggers received by the Bank; (iv)
error, default, delay or inability of the Bank to act on all or any of the instructions / Triggers; (v)
loss of any information / instructions / Alerts in transmission; (vi) unauthorised access by any
other person to any information / instructions / Triggers given by the customer or breach of
confidentiality.
b. The Bank shall not be concerned with any dispute that may arise between the customer and the
CSP and makes no representation or gives no warranty with respect to the quality of the service
provided by the CSP or guarantee for timely delivery or accuracy of the contents of each Alert.
c. The Bank shall not be held liable in the event that the Mobile Phone company / mobile phone
service provider fails, for any reason whatsoever, to reload the prepaid airtime of the customer.
The customer agrees that any complaint in connection with the reload service shall be referred
to and addressed by the mobile phone company / service provider.
8. Disclosure: The customer accepts that all information / Instructions / Triggers will be transmitted
to and / or stored at various locations and be accessed by personnel of the Bank (and its
affiliates / agents). The Bank is authorised to provide any information or details relating to the
customer or his account to the CSPs or any service providers so far as is necessary to give effect
to any instructions / Triggers.
9. Liability and Indemnity: The customer shall indemnify and keep the Bank free and harmless from
and against all liabilities, losses, claims and damages arising from negligence, fraud, collusion or
violation of the terms hereof on the part of the customer and / or a third party provided there is no
gross negligence on the part of the Bank. In addition, the bank shall not be liable for any
expense, claim, loss or damage arising out or in connection with this agreement including but
not limited to war, rebellion, typhoon, earthquake, electrical, computer or mechanical failures.
10. Amendment: The customer hereby, agrees to abide by, without need of notice, any and all
future modifications, innovations, amendments or alterations in these terms made by the Bank.
11. Miscellaneous: The above terms and conditions are in addition to the terms and conditions
applicable to the Accounts agreed to by the customer. All disputes are subject to the exclusive
jurisdiction of the competent courts in Mumbai only. Nothing expressed or implied shall in any
way waive or amend any of the terms and conditions to the existing Terms and conditions
agreement with DCB Bank.
F. NET BANKING
1. Definitions and Interpretations:
a. "Net Banking Terms and Conditions" shall mean the terms and conditions as modified from time
to time and made applicable to Net Banking offered by the Bank.
b. "Confidential Information" refers to information obtained by the customer, through the Bank, for
availing Services or Payment Instruction Services or Internet Banking Services.
c. "Payment Instruction" shall mean an instruction given by a customer to transfer funds from the
Account held by the customer to accounts held by other approved customers within and / or
outside the Bank and / or request to issue Demand Drafts (DD) in the name of the beneficiary who
may or may not have an account with the Bank.
d. “Internet” refers to the network of computers / mobile phones / other electronic devices which
share and exchange information. The Internet is at once a worldwide broadcasting capability,
mechanism for information dissemination, and a medium for collaboration and interaction
between individuals and their computers / mobile phones / other electronic devices capable of
accessing the Internet without regard to geographic location.
e. “Net Banking Services” refers to the Bank's Service which provides access to account
information, products and other services as advised by the Bank from time to time to the
customers through the Internet. The terms Net Banking and Net Banking services / facility may
be interchangeably used.
f. “Account” refers to the customer's Savings and / or Current Account and / or Fixed Deposit or
any other type of account so designated by the Bank to be eligible account(s) for operations
through the use of Net Banking.
g. “Personal Information” refers to the information about the customer obtained in connection with
Net Banking Services.
2. Application for Net Banking: The Bank may offer Net Banking to selected customers at its
discretion. I / We agree that in order to be eligible for Net Banking I / We would need to be a
current Internet user or have access to the Internet and should have knowledge of how the

8
 Internet works. I / We accept that the application for Net Banking does not automatically imply
acceptance by the Bank.
3. Software: The Bank will advise from time to time the Internet software such as Browsers, which
are required for using Net Banking. There will be no obligation on the Bank to support all the
versions of this Internet software. I / We agree that I / We shall be responsible for upgrading my
software, hardware and the operating system at my/our cost from time to time so as to be
compatible with that of the Bank. The Bank shall be at liberty to change, vary or upgrade its
software, hardware, operating systems, etc., from time to time and shall be under no obligation
to support the software, hardware, operating systems used by me / us and that the same shall be
my / our sole responsibility.
4. Net Banking Service: The Bank shall endeavour to provide through Net Banking, such services
as the Bank may decide from time to time. The Bank reserves the right to decide the type of
services that may be offered on each account and may differ from customer to customer. These
facilities shall be offered in a phased manner and at discretion of the Bank. The Bank may also
make additions / deletions to the services offered through Net Banking at its sole discretion. The
availability / non-availability of a particular service shall be advised through e-mail or web page
of the Bank or written communication. All accounts opened with the Bank attached to the same
Customer Identification Number will be accessible through Net Banking. In case of joint
accounts and accounts with two or more signatories, the Bank will offer such services, as
restricted by the terms and conditions governing the operation of such accounts. In case of
Minor Accounts, the natural guardian undertakes to give all instructions relating to the operation
of the account and further undertakes not to reveal the customer ID and password to the minor.
The Bank shall take reasonable care to ensure the security of and prevent unauthorised access
to the Net Banking service using technology reasonably available to the Bank. The customer
agrees that the customer shall not use or permit to use Net Banking or any related service for any
illegal or improper purposes. The customer further undertakes that he / she is exempting the
Bank in sending of the fortnightly statements as required. The customer shall query on the net for
the transactions and holding information. The customer also agrees that the results of the query
generated on the Internet shall substitute such statements and that the development of the
products and services of the Bank is a continuous process and published information on the
Internet may not be up to date. The formats, update frequency and retention period of the
information will be decided at the sole discretion of Bank. The customer understands that it is
important to check the current position with the respective branch of the Bank. All information is
provided on 'as is' basis without warranty of the kind. The Bank makes no representation and
disclaims all express, implied and statutory warranties of any kind to the user and / or any third
party including warranties as to accuracy, timeliness, completeness, merchantability or fitness
of the information for any particular purpose. All proprietary rights in the information received
shall remain the property of the Bank. The reproduction, redistribution and transmission of any
information contained on the web site is strictly prohibited. Access to this web site is a
confirmation by the customer that the customer has understood and accepted these terms.
5. Net Banking Access: : I / We understand that the Bank would allot me / us a customer ID and
Net Banking passwords in the first instance. I / We will be required to change the passwords
assigned by the Bank on accessing Net Banking for the first time. As a safety measure I / we will
change the passwords as frequently thereafter as possible. I / We agree that the Passwords
shall be sent to me / us by courier or electronic medium at my / our risk and consequences to the
contact information or address notified by me / us for correspondence, and the Bank shall be not
liable or held responsible in any manner whatsoever, if the passwords falls in the hands of
unauthorised person/s. In addition to customer ID and passwords, the Bank may, at its
discretion, require me / us to adopt such other means of authentication including but not limited
to digital certification and / or smart cards. I / We agree that I / we shall not attempt or permit
others to attempt accessing the account information stored in the computers of the Bank
through any means other than the Net Banking service. I / We am / are aware that the transaction
through Net Banking can be effected by use of my passwords only. I / We shall not request /
demand any evidence of proof for transactions undertaken by me / us through the Net and the
audit trail of the login would be conclusive proof to establish that the transactions are bona fide.
6. Password:
I / We understand and agree that I / we shall:
a. Keep the passwords totally confidential and not reveal the passwords to any third party.
b. Choose passwords that shall be at least six characters long and shall consist of a mix of
alphabets, numbers, capital and small alphabets and special characters which must not relate
to any readily accessible personal data such as my / our name, address, telephone number,
driving license etc. or easily guessable combination of letters and number.
c. Commit the passwords to memory and not record them in a written or electronic form, and not
let any unauthorised person have access to my computer or leave the computer unattended
while accessing Net Banking.
In case I / we forget the Net Banking passwords, I / we can request for change of the passwords.
Such replacement shall not be construed and / or deemed as the commencement of a new
contract.
7. Charges: I / We authorise the Bank to recover all charges related to Net Banking as determined
by the Bank from time to time by debiting my account.
8. Mailing Address: All correspondence / delivery by the Bank shall only be made at the address
and / or e-mail address and / or Mobile Number as registered with the Bank.
9. Transaction Processing:
a. All the requests for instantaneous transactions will be given effect to instantaneously. All the
requests for non-instantaneous transactions such as DD request, etc. will be carried out at the
end of the day on first in first out basis subject to availability of clear funds in the account
authorised for debit. In case requests for effecting any transactions are received on weekly offs /
holiday / public holidays, they shall be effected on the immediately succeeding working day on
the terms and conditions prevailing on that day. I / We shall not hold the Bank responsible for not
processing / effecting any transactions in case the Bank does not receive instruction to this
effect even though I / We would have forwarded the same.
b. I / We hereby agree to abide by the following terms and conditions in addition to the Terms and
Conditions as applicable to Net Banking:

9
(i) I / We shall be free to utilise the Payment Instruction Services through Net Banking for transfer of
funds for such purpose, as I / we shall deem fit. Further I / we understand and agree that the Bank
may in its sole and exclusive discretion confine this facility of Payment Instruction Services only
to certain permitted customers or may extend it from time to time to be available to all customers
in general.
(ii) I / We however agree not to use or permit the use of the Payment Instruction Services or any
related services for any illegal or improper purposes. Whilst utilising the Payment Instruction
Services for making any payments for any goods purchased or any services obtained whether
on-line or otherwise, I / we shall ensure that I / we have the full right and / or authority to access
and avail of the services obtained and the goods purchased and I / we shall observe and comply
with the applicable laws and regulations in each jurisdiction in applicable territories.
(iii) I / We shall not involve the Bank as a party to such transaction.
(iv) I / We shall provide the Bank with such information and / or assistance as is required by the Bank
for the performance of the Services and / or any other obligations of the Bank under this
agreement.
(v) I / We shall not at any time provide to any person, with any details of the accounts held by me / us
with the Bank including, the passwords, account number, card numbers and PIN which may be
assigned to me / us by the Bank from time to time.
10. Risks: I / We hereby acknowledge that I / we are availing the Payment Instruction Service at my /
our own risk. These risks would include but not be limited to the following risks:
a. Misuse of Password:
i. I / We acknowledge that if any third person obtains access to my / our password, such third
person would be able to provide Payment Instructions to the Bank.
ii. I / We shall ensure that the terms and conditions applicable to the use of the password as
contained in the Net Banking Terms and Conditions are complied with at all times.
b. Internet Frauds: The Internet per se is susceptible to a number of frauds, misuse, hacking and
other actions that could affect Payment Instructions to the Bank. Whilst the Bank shall aim to
provide security to prevent the same, there cannot be any guarantee from such Internet Frauds,
hacking and other actions that could affect Payment Instructions to the Bank. I / We shall
separately evolve / evaluate all risks arising out of the same.
c. Mistakes and Errors: The filling in of applicable data for transfer of funds and / or issue of DD
would require proper, accurate and complete details. For instance, I / we am / are aware that I /
we would be required to fill in the account number of the person to whom the funds are to be
transferred. Similarly in the case of request for DD, I / we would be required to fill in the correct
details such as the name of the payee (who may or may not have an account with the Bank),
mailing address, amount of the DD and the city / state where the DD is payable. In the event of
any inaccuracy in this regard, the funds could be transferred to incorrect accounts or the DD
maybe incorrectly issued or sent to a wrong address and there is no guarantee of recovery
thereafter. I / We shall therefore take all care to ensure that there are no mistakes and errors and
that the information given by me / us to the Bank in this regard is error free, accurate, proper and
complete at all points of time. I / We agree that the Bank is providing the services at my sole risk. I
/ We agree that the Bank shall not be liable for any loss, damages or consequences whatsoever
arising due to any erroneous or incomplete information or any delay in executing the instructions
for reasons beyond the control of the Bank. On the other hand in the event of my / our account
receiving an incorrect credit by reason of a mistake committed by some other person, the Bank
shall be entitled to reverse the incorrect credit at any time whatsoever without my / our consent. I
/ We shall be liable and responsible to Bank and accede to accept the Bank's instructions
without questions for any unfair or unjust gain obtained by me / us as a result of the same.
d. Transactions: The transactions, which I / we may require, the transfer of the funds or issue of
DD may not fructify or may not be completed by the parties to whom I / we request the Bank to
transfer the funds or issue a DD. The Bank is not in any manner involved in the said transactions
and contracts, and my / our sole recourse in this regard shall be with the party with whom I / we
have the transactions. The Bank is merely providing me / us services whereby the said funds
would be transferred on my / our instructions. The transaction(s) for transfer of funds as per my /
our instruction may not fructify or may not be completed for any reason whatsoever, in such
cases, I / we shall not hold the Bank responsible or involved in any manner in the said
transaction(s) and contracts and my / our sole recourse in this regard shall be with the party to
whom my / our instruction was favouring for the transfer of funds. The Bank is merely providing
me / us the services whereby the said funds would be transferred at my / our instructions.
e. Technology Risks: The technology for enabling the transfer of funds and the other services
offered by the Bank could be affected by virus or other malicious, destructive or corrupting
code, programme or macro. It may also be possible that the site of the Bank may require
maintenance and during such time it may not be possible to process the request of the
customers. This could result in delays in the processing of instructions or failure in the
processing of instructions and other such failures and inability. I / We understand that the Bank
disclaims all and any liability, whether direct or indirect, whether arising out of loss of profit or
otherwise arising out of any failure or inability by the Bank to honour any customer instruction for
whatsoever reason. I / We understand and I / we accept that the Bank shall not be responsible
for any of the aforesaid risks. I / We also accept that the Bank shall disclaim all liability in respect
of the said risks.
11. Limits: I / We are aware that the Bank may from time to time impose maximum and minimum
limits on transfer of funds that may be transferred or on amount of the DD that can be issued by
virtue of the payment transfer service given to me / us hereunder or on transactions restrictions
within particular periods or amount restrictions within a particular period or even each
transaction limits. I / We shall be bound by such limits imposed and shall strictly comply with
them. I / We realise and accept and agree that the same is to reduce the risks on me / us. I / We
shall be bound by such limits imposed and shall strictly comply with them.
12. Indemnity: I / We shall indemnify the Bank from and against all losses and damages that may be
caused as a consequence of breach of any of the Net Banking Terms and Conditions and the
terms and conditions mentioned herein above.
13. Withdrawal of Facility: The Bank shall be entitled to withdraw this service at any time
whatsoever.

10
14. Charges: I / We hereby agree to bear the charges as may be stipulated by the Bank from time to
time for availing of these services.
15. Binding nature of above terms and conditions: I / We agree that by use of this facility, I / We
shall be deemed to have agreed to all the above terms and conditions and such terms and
conditions shall be binding on us in the same manner as if I / we have agreed to the same in
writing.
16. Authority to the Bank: Net Banking access in the Customer's Account(s) are permitted only
after authentication of the Customer ID and Password. I / We agree that I / we grant express
authority to the Bank for carrying out the banking transactions performed by me / us through Net
Banking. The Bank shall have no obligation to verify the authenticity of any transaction received
from me / us through Net Banking or purporting to have been sent by me / us via Net Banking
other than by means of verification of my / our Customer ID and the password(s). The display or
printed output that is produced by me / us at the time of operation of Net Banking is a record of
the operation of the internet access and shall not be construed as the Bank's record of the
relative transactions. The Bank's own record of transactions maintained through computer
systems or otherwise shall be accepted as conclusive and binding for all purposes unless any
discrepancy is pointed out within 15 days from the date of access or from the date of sending the
periodical statement, whichever is earlier. All transactions arising from the use of Net Banking, to
operate a joint account, shall be binding on all the joint account holders, jointly and severally.
17. Accuracy of Information: I / We agree that I / we am / are responsible for the correctness of
information supplied to the Bank through the use of Net Banking or through any other means
such as electronic mail or written communication. The Bank accepts no liability for the
consequences arising out of erroneous information supplied by me / us. I / We agree that if I / we
notice any error in the account information supplied to me / us through Net Banking or by the use
of any of the Net Banking services, I / we shall advise the Bank as soon as possible. The Bank will
endeavour to correct the error promptly and adjust any interest or charges arising out of the
error. All outputs of statements are duplicate statements of account and will be prepared by
electronic means and the information contained therein will be extracted from a computerised
back up system maintained by the Bank. While the Bank will take all reasonable steps to ensure
the accuracy of the statement, the Bank is not liable for any error. I / We agree that I / we shall
hold the Bank harmless against any loss, damages, etc. that may be incurred / suffered by me /
us, if the information contained in the above said outputs turns out to be inaccurate / incorrect.
18. Liability:
a. I / We shall not be liable for any unauthorised transactions occurring through the use of Net
Banking, which can be attributed to the fraudulent or negligent conduct of the employees of the
Bank. If I / we comply with the Terms and advise the Bank in writing under acknowledgment
immediately after I / we suspect that my / our Customer ID(s) or password(s) is / are known to
another person and / or notice an unauthorised transaction in my / our Net Banking account, I /
we shall not be liable for losses arising out of the unauthorised transactions occurring in the Net
Banking accounts after the receipt of such advice by the Bank. I / We agree that I / we shall be
liable for some or all loss from unauthorised transactions in the Net Banking accounts if I / we
have breached the Terms or contributed or caused the loss by negligent actions such as the
following:
i. Keeping a written or electronic record of Net Banking password.
ii. Disclosing or failing to take all reasonable steps to prevent disclosure of the Net Banking
password to anyone including Bank staff and / or failing to advise the Bank of such disclosure
within reasonable time.
iii. Not advising the Bank in a reasonable time about unauthorised access to or erroneous
transactions in the Net Banking accounts.
b. The Bank shall in no circumstances be held liable to the customer if Net Banking access is not
available in the desired manner for reasons including but not limited to natural calamity, floods,
fire and other natural disasters, legal restraints, faults in the telecommunication network or
Internet or network failure, software or hardware error or any other reason beyond the control of
the Bank. The Bank shall, under no circumstances, be liable for any damages whatsoever
whether such damages are direct, indirect, incidental, consequential and irrespective of
whether any claim is based on loss of revenue, investment, production, goodwill, profit,
interruption of business or any other loss of any character or nature whatsoever and whether
sustained by me / us or any other person.
19. Disclosure of Personal Information: I / We agree that the Bank or its contractors may hold and
process my / our Personal Information on computer or otherwise in connection with Net Banking
services as well as for statistical analysis and credit scoring. I / We also agree that the Bank may
disclose, in strict confidence, to other institutions, such Personal Information as may be
reasonably necessary for reasons inclusive of, but not limited to, the following:
i. For participation in any telecommunication or electronic clearing network.
ii. In compliance with a legal directive.
iii. For credit rating by recognised credit scoring agencies.
iv. For fraud prevention purposes.
20. Bank's Lien: The Bank shall have the right of set-off and lien, irrespective of any other lien or
charge, present as well as future on the deposits held in my / our accounts whether in single
name or joint name(s), to the extent of all outstanding dues, whatsoever, arising as a result of the
Net Banking service extended to and / or used by me / us.
21. Proprietary Rights: I / We acknowledge that the software underlying the Net Banking service as
well as other Internet related software which are required for accessing Net Banking is the legal
property of the respective vendors. The permission given by the Bank to access Net Banking will
not convey any proprietary or ownership rights in the above software. I / We agree that I / we shall
not attempt to modify, translate, disassemble, decompile or reverse engineer the software
underlying Net Banking or create any derivative product based on the software.
22. Non-Transferability: The grant of facility of Net Banking to me / us is not transferable under any
circumstance and shall be used only by me / us.
23. Termination of Net Banking Service: I / We may request for termination of the Net Banking
facility any time by giving a written notice of at least 15 days to the Bank. I / We agree that I / we
will remain responsible for any transactions made on my / our Net Banking account(s) through
Net Banking prior to the time of such cancellation of the Net Banking Service. The closure of all

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 my / our Accounts will automatically terminate the Net Banking service. The Bank may suspend
or terminate Net Banking services without prior notice if these terms and conditions are
breached.
24. Notices:
The Bank and I / we may give notices under these Terms and Conditions:
a. Electronically to the mailbox of either party. Such notices will be regarded as being in writing.
b. In writing by delivering them by hand or by sending them by post to the last address given by
me / us and in the case of the Bank to the following address: DCB Bank, 6th Floor, Tower A,
Peninsula Business Park, Lower Parel, Mumbai - 400013.
c. In addition, the Bank may also publish notices of general nature, which are applicable to all
customers of Net Banking on its web site. Such notices will have the same effect as a notice
served individually to me / us.
Terms & Conditions for DCB Business Internet Banking
DEFINITIONS
DCB Bank refers to DCB Bank Limited, a banking company incorporated under the Companies Act
1956 (CIN: L99999MH1995PLC089008) and deemed to exist within the meaning of
Companies Act, 2013, licensed as a bank under the Banking Regulation Act, 1949 and having its
Registered Office at 6th Floor, Peninsula Business Park, Tower A, Senapati Bapat Marg,
Lower Parel, Mumbai – 400 013, which term shall include its successors and assigns.
Account refers to the Customer's Current Account and / or any other type of account of DCB Bank
available for operation of the Business Internet Banking facility.
Business Internet Banking (BIB) facility refers to Business Internet Banking, Debt Online, Forex
Online, Payment Gateway facility, Derivatives Online and such other similar
services/facilities.
Customer refers to a corporate customer of DCB Bank availing Business Internet Banking and
Transaction services/facilities that may be offered in future.
User refers to a person authorised by the Customer who would be actually operating the BIB facility
as agent of the Customer.
Any communication addressed to the User by DCB Bank shall be deemed to have been addressed
to the Customer also.
ACCESSING ONLINE SERVICES
DCB Bank may offer BIB facility to selected Customers at its discretion. The Customer shall be an
internet user or have access to the internet and knowledge of how the internet works.
AUTHENTICATION PROCEDURE
The Customer agrees and undertakes to take all reasonable steps to ensure that the password is not
revealed to any third party.
For the first time, DCB Bank will send the password to the Customer by courier/post in a sealed
envelope. Once the courier is delivered at the Customer's mailing address, the responsibility of DCB
Bank shall cease for the said password. The User is required to change the password for the first
time. As a safety measure User shall frequently change the password thereafter.
The Customer shall be responsible and liable for the safekeeping and use of the Customer ID and
Password and where applicable, for any damages and other consequences of their
misuse. In case of breach of confidentiality and use of Customer ID and / or password by any third
party, Customer shall indemnify DCB Bank against any such liability, costs and damages.
In case the Customer loses or forgets Customer ID and / or password, it can request for change and
new password by sending a written request to DCB Bank.
PAYMENT GATEWAY
Merchant is an entity that provides/ sells services and / or products of interest to DCB Bank internet
banking user.
Aggregator is an entity that is involved in the business of electronic payments / transactions and
collections.
1. I/We agree and accept the Online Payment Service provided by DCB Bank at my / our request to
carry out the Online Payment through Payment Gateway instructions on my/our account.
2. I/ We accept the payment of mentioned amount to the Merchant / Aggregator via DCB Bank
Internet Banking.
3. I/We have no objection whatsoever, to the Merchant / Aggregator / service provider providing
billing details to DCB Bank.
4. I/We hereby acknowledge that I/we am/are utilizing this service / facilities at my/our own risk,
responsibility and liability.
5. I/We agree that DCB Bank shall assume no responsibility and liability for:
5.1 Transactions carried out under the service / facility in good faith relying on my/our
instructions.
5.2 Not carrying out transactions where DCB Bank has reason to believe that the instructions
are not genuine or are otherwise unclear, improper, vague or doubtful.
5.3 For the performance of any other entity involved in the process; and for any loss or damage
incurred or suffered by me/us for any error, defect, failure or interruption of the service /
facility or consequences arising out of delayed payments or non-payment.
5.4 Any loss of damage arising or resulting from delay in transmission or delivery or non-delivery
of electronic instructions or any mistake, omission or error in transmission or delivery thereof
or in deciphering the instructions from any cause whatsoever or from its misinterpretation
received or the action of the destination bank or any other act or omission.
6. When any payments for any goods purchased or any services obtained by using the Online
Payment Service, I/we shall ensure that:
6.1 I/We shall observe and comply with the applicable laws and regulations in each jurisdiction
in applicable territories.
6.2 I/We shall provide DCB Bank with all information, documents and/or assistance, as may be
required by DCB Bank from time to time.
7. I/We agree that any disputes on payment details will be settled directly with the Merchant and
DCB Bank's responsibility is limited to provision of information only.

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8. I/We agree that I/we will make the bill amount payments as required by the Merchant. I/We will
not hold DCB Bank responsible and liable for the Merchant rejecting the payment amount
because of incorrect or incomplete entries.
9. I/We agree that DCB Bank will not be held responsible and liable for the delivery of goods and
provision of services by the Merchant or the condition of the item when it is delivered or if the
Merchant inadvertently delivers goods or services to some other customer. DCB Bank's role is
restricted to provision of information and Payment Gateway service / facility only. All disputes
regarding delivery / condition / quality of goods and services are to be taken up directly with the
Merchant.
10. I/We agree that charges if any for the Online Payment services/facility will be at the sole
discretion of DCB Bank and DCB Bank is at the liberty to vary the same from time to time, without
giving any notice to me/us.
11. I/We agree that DCB Bank is having right (but not as an obligation) to reverse any debit to my /
our account due to non-availability / non-delivery of goods/rejection of the goods / services or
any other reason only upon my/our specific request made in this regard setting out the reason
and on confirmation of the same by the Merchant / service provider. I / We shall not hold the
Bank liable and responsible for any delay in reversing such debit entry(ies).
12. I/We agree that all refunds due to non-delivery of goods / rejection of the goods will be done at
the request of the Merchant/ Aggregator.
13. I/We agree not to use or permit the use of the Payment Gateway service / facility or any related
services/facilities for any illegal or improper or unlawful purposes.
14. I/We understand, acknowledge and agree that DCB Bank is a mere facilitator for this service and
that DCB Bank does not warrant or claim any responsibility and liability for this service / facility
nor does DCB Bank endorse any such service / facility and / or its standing or reputation
whatsoever and DCB Bank is not liable and responsible for any deficient or bad services in any
manner whatsoever and for any loss, whatsoever that I / we may suffer. The risk in this regard is
entirely on me/us.
15. I/We agree that DCB Bank is at liberty to withdraw at anytime the Online Payment service /
facility, or any services / facilities, in respect of any or all of the accounts without assigning any
reason whatsoever, without giving any notice to me/us.
16. I/We may request for termination of the service / facility any time by giving a written notice of at
least 3 working days to DCB Bank. The termination shall take effect on the completion of the 3rd
working day. I/We will remain responsible and liable for any transactions made through the
service/facility until the time of such termination. DCB Bank may withdraw or terminate the
Online Payment service/facility anytime either entirely or with reference to a specific Merchant or
user; or in case of breach of terms by me/us without a prior notice.
17. I/We agree that by use of this Online Payment service / facility, I/we shall be deemed to have
agreed to all the terms and conditions mentioned herein and such terms and conditions shall be
binding on me/us in the same manner as if I/we have agreed to the same in writing.
GOVERNING LAW AND JURISDICTION
The terms and conditions and provisions under this form shall be governed by, and construed in
accordance with Indian law and the courts at Mumbai shall have the exclusive jurisdiction
in case of any dispute.
TERMINATION EVENTS
In case of termination, DCB Bank shall be entitled to receive all fees and other monies becoming due
up to the date of such termination. DCB Bank shall be entitled to deduct any sum
payable to it from any amounts DCB Bank may have to remit to the Customer on termination of the
service / facility.
RIGHT TO ALTER THE SERVICES/FACILITIES AND TERMS AND CONDITIONS OF THE
SERVICES / FACILITIES
DCB Bank reserves the right to add, amend, revise, suspend or cancel in whole or in part any of the
services / facilities and to alter the terms and conditions of the services / facilities.
LINKS TO OTHER WEBSITES
DCB Bank's website may contain links to other websites operated by other parties. Such links are
provided for the convenience of the Customer and DCB Bank does not control or
endorse such websites, and DCB Bank shall not be responsible and liable for their contents and the
facilities/services obtained through such websites.
G. DEBIT CARD
Definitions
• “The Bank”, means DCB Bank and its successors and assignees.
• “Card” or “Debit Card”, refers to the DCB Visa Debit Card and Junior Saver Debit Card issued by
DCB Bank to a Cardholder.
• “Cardholder”, “you”, “him” or similar pronouns shall, where the context so admit, refer, to a
customer of DCB Bank to whom a DCB Debit Card or Junior Saver Debit Card has been issued
by DCB Bank to operate on a nominated account(s). All references to the Cardholder in the
masculine gender will also include the feminine gender.
• “Account(s)”, refers to the Cardholder's Savings or Current accounts or any other applicable
account that have been designated by DCB Bank to be eligible account(s) for the valid operation
of the Debit Card. The Cardholder should be either the account holder or sole signatory or
authorized to act alone when there is more than one account holder / signatory.
• “Primary Account”, shall mean in case of multiple accounts linked to the Card, the account that
has been designated as being the main / first account of operation. i.e. the account from which
purchase transactions, cash withdrawal charges and fees related to the Card are debited.
• “Nominated Accounts”, includes the Primary Account as described above, and it indicates the
Cardholder's account(s) nominated by him to be accessed by his Debit Card and PIN
• “ATM”, refers to Automated Teller Machine whether in India or overseas, whether of DCB Bank,
or of any other bank on a shared network, at which amongst other things, the Cardholder can
use his Debit Card to access his funds in his account(s) held with DCB Bank.
• “PIN”, means the Personal Identification Number (required to access ATMs) allocated to the
Cardholder by DCB Bank, chosen by him from time to time.
• “Transaction”, means any instruction given by a Cardholder by using his Card directly or

13
 indirectly, to DCB Bank to effect action on the account. (Examples of transactions can be retail
purchases, cash withdrawals, cash / cheque deposits, etc.)
• “International Transactions”, refers to the transactions performed by the Cardholder through his
internationally valid Debit Card, outside India, Nepal and Bhutan.
• “Statement”, means a periodic statement of account sent by DCB Bank to a Cardholder setting
out the transactions carried out by the Cardholder(s) during the given period and the balance on
that account. It may also include any other information that DCB Bank may deem fit to include.
• “Merchant” or “Merchant Establishments”, shall mean establishments wherever located which
accept / honour the Card and shall include amongst others: stores, shops, restaurants, airline
organisations, etc. advertised by DCB Bank or Visa International.
• “EDC” or Electronic Data Capture”, refers to electronic Point-of-Sale swipe terminals whether in
India or overseas, whether tied up by DCB Bank or any other bank on the shared network, that
permit the debiting of the account(s) for purchase transactions from merchant establishments.
• “Visa”, means a trademark owned by and normally associated with Visa International.
• “Visa / Plus ATM Network”, means ATMs that honour the Debit Card and that display the Visa /
Plus or Electron symbols.
• The Debit Card (“the Card”) is issued by DCB Bank”) having its registered office at 6th Floor,
Tower A, Peninsula Business Park, Lower Parel, Mumbai - 400013 India on the terms and
conditions detailed herein.
Front of the Card
• Card number: This is your exclusive 16-digit card number. Please quote this number in all
communication / correspondence with the Bank.
• Your name / customer ID: Only you are authorised to use your Debit Card.
• Valid From – Valid Thru (MM-YY format): Your Debit Card is valid until the last day of the month of
the year indicated on the Card.
• Visa logo and hologram: Any merchant establishment displaying this logo accepts your Debit
Card worldwide.
• Electronic Usage sign: In case of purchase transactions, the Debit Card can be used at
merchant outlets with an electronic Point-of-Sale swipe terminal. Please do not try and use your
Card at merchants with “paper imprinters” or for Mail / Telephone order transactions.
Back of the Card
• Magnetic Strip: Important information pertaining to your Debit Card is encoded here. Please
protect your Card from scratching or exposure to magnets and magnetic field as they can
damage the strip.
• Signature Panel: Please sign the back panel immediately on receipt of your Card with a non-
erasable ballpoint pen (preferably in black ink). The signature you will use to sign charge slips at
merchant outlets needs to be the same as the signature on the Card.
• DCB Customer Care: You can call us at any time on our helpline no. (022) 6899 7777 / (040) 6815
7777 for any queries or should you require assistance regarding your Debit Card.
• Personal Identification Number (PIN): You will receive a confidential PIN for use of your Card at
ATMs.
KNOW YOUR DEBIT CARD
Activation
• A Personal Identification Number (PIN) will be sent to you separately for using your Debit Card at
ATMs.
• In case of any difficulty please call our Customer Care Centre at (022) 6899 7777 / (040) 6815
7777. We will be glad to assist you.
• The usage of the Card shall deemed to be acceptance of the terms and conditions of the DCB
Debit Card by you.
Usage Guidelines
• Your Debit Card from DCB Bank is extremely versatile and simple to use, being valid both in
India and overseas.
International Usage
• Your Debit Card is valid both in India and overseas. However, it is not valid for making
transactions in currencies other than the local currencies of India, Nepal and Bhutan when
travelling in Nepal and Bhutan. However, if your Card is a Rupay Card, transactions can be done
using that Card in Bhutan.
• All of your Debit Card transactions (purchases as well as cash withdrawals) overseas must be
made in strict accordance with the Exchange Control Regulations of the Reserve Bank of India
or any other regulations as applicable from time to time. Failure to comply with RBI guidelines or
any other regulations will render you liable for action under the Foreign Exchange Management
Act 1999.
• You may have your passport endorsed by an Authorised Dealer when you avail of foreign
exchange under the Basis Travel Quota (BTQ). If you desire, you can select DCB Bank as your
Authorised Dealer.
• Detailed instructions as to the use of your Debit Card overseas can be found in the section
"Using your Debit Card abroad".
• Your PAN should be updated correctly in the records of the Bank to opt for International
transactions on your DCB Bank Card.
Merchant Outlet Transactions (Point of Sale / Purchase)
• Using your Debit Card for shopping at any merchant outlets in India and worldwide (where Visa /
Rupay Cards are accepted), follow the simple steps to ensure total shopping satisfaction.
• Please note that since signature verification is essential for Debit Card transactions, you need to
be physically present along with your Card at the time of purchase. Please do not use Debit Card
for Mail Order and Telephone Order and Internet purchase Transactions.
• Look for a Visa / Visa Electro / Rupay sign at the Point-of-Sale merchant establishment. The
merchant must have an electronic Point-of-Sale card swiping terminal.
• Present your Debit Card after making your purchase.
• The Card will be swiped / dip-in by the merchant on an Electronic Data Capture Terminal (PoS /
EDC machine) for authorisation.

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• After a successful authorisation, your account will be debited for the transacted amount.
Sometimes the transaction amount and / or tips, surcharge or exceptional transaction amount
would be debited to your account subsequently / at a later date. Your limit is equivalent to the
balance in your account, subject to daily transaction limit. Daily POS transaction limit will apply.
• A sales slip will be generated.
• Check and sign* the sales slip. Your signature must match that on the reverse side of the Card.
(* in case of second factor authentication [i.e. 4 digit PIN etc.] physical sign is not mandatory).
• Ensure your Card is returned to you.
• Preserve your copy of the sales slip for future reference.
• When using the Card at a merchant establishment, the purchase amount will always be debited
to the designated primary account of the Debit Card. Kindly ensure that your account is
adequately funded to meet the debits pertaining to tips, petrol / railway surcharge or any other
exceptional transactions which are debited to your account belatedly.
Online (E-commerce / Card Not Present) Transaction:
• Using your Debit Card online shopping / payments can be done within India and abroad*
• To complete online payment second factor authentication is must, second factor authentication
is called “The information / details are not present on the Card and known to only Card holder”
• DCB Debit Card will not work on Website / Mobile application(s) which doesn't authenticate /
ask for second factor authentication (OTP – One Time Password) to honor your transaction /
payment.
• The Cardholder agrees, understands and confirms that his/ her personal data including without
limitation details relating to Debit Card transmitted over the Internet may be susceptible to
misuse, hacking, theft and/ or fraud and that the DCB Bank have no control over such matters.
Cardholder should be more vigilant, while using the DCB Debit Card for only transactions /
payments.
• Although all reasonable care has been taken towards guarding against unauthorized use of any
information transmitted by the Cardholder, the DCB Bank does not represent or guarantee that
the use of the Services provided by/ through it will not result in theft and/or unauthorized use of
data over the Internet.
• DCB Bank shall not be liable, at any time, for any failure of performance, error, omission,
interruption, deletion, defect, delay in operation or transmission, computer virus,
communications line failure, theft or destruction or unauthorized access to, alteration of, or use
of information contained on the Website.
ATM Usage
• You can use your Debit Card at any of the DCB Bank ATMs in India for a variety of transactions
such as cash withdrawal, balance enquiry, mini statement request, PIN change, cheque book
request, funds transfer, pre-paid mobile recharge and any other transactions as may be made
available from time to time.
• In addition, you can also use your Debit Card to access your account for cash withdrawal and
balance enquiry at any Visa ATM in India and overseas.
• We would communicate to you any other ATM sharing arrangement, which DCB Bank may enter
from time to time to facilitate increasing your reach to access your account with us.
• The Card can also be used in outside India locations and any charges levied by the Acquiring
Bank shall be charged in the account in which the Card is linked.
Please Note:
• Charges for cash withdrawal / balance enquiry / other transactions at DCB Bank ATMs or Visa
ATMs would be as per the schedule of service charges. Please contact your nearest DCB Bank
Branch or visit our website www.dcbbank.com for further details.
• Please note that all transactions (accepted or declined) at other than DCB Bank ATMs are
subjected to a transaction charge as determined by the Bank and are subject to change from
time to time without prior notice.
• Any usage intimation will be sent to Registered Mobile Number (RMN) and/or email ids of the
customer (email ids in case of NRI customers), as per Bank’s records. Any responsibility of
modification in the records of the Bank will be with the Card holder(s).
• As per RBI regulation, International transactions and online transactions are in “disabled” state
at the time of issuance / activation of the card. Customers are required to place a request for
enabling it once the card is activated by the card holder(s).
ADVANTAGES OF YOUR DEBIT CARD
Additional Cards
• Additional Cards will be issued to joint account holders of the account, provided the operating
instructions for the account are “self”, “either or survivor”, “any one or survivor”. Charges will be
as per the tariffs applicable from time to time.
INSURANCE
Zero Lost Card Liability
If your Debit Card from DCB Bank ever gets lost or stolen, you are protected from fraudulent
purchase transactions from the moment you report the loss to DCB Bank in India (call our Customer
Care Centre 022 - 6899 7777 / 040 - 6815 7777). Please confirm the loss in writing to:
DCB Bank, NPC, No. 2, Thanikachalam Road, T Nagar, Chennai - 600017.
Please note that the cover is valid only for fraudulent payment transactions at shops, MEs and POS.
The insurance is not valid for ATM transactions, as the PIN, known only to you, is required. You are
required to file a police complaint for the Lost / Stolen card. DCB Bank will arrange to replace your
card as soon as the instructions are received in writing. The cover is only valid for any misuse
resulting in to financial loss 3 days prior to loss reported and 5 days after the lost reported. If you
recover your card after you have reported its loss, please do not attempt to use it. Instead, please
destroy the card by cutting into several pieces through the magnetic strip.
Customer Care Centre
• For any queries regarding your Debit Card, please call the DCB Bank's Customer Care Centre at
(022) 6899 7777 / (040) 6815 7777.

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Account Statement
• Transactions on your Debit Card, including those of additional Card will reflect along with
relevant details on your regular Bank Account Statement sent periodically. Additional
Cardholders will not receive a separate account statement.
Looking After Your Debit Card
Following these simple guidelines will ensure that using your Debit Card from DCB Bank is a
pleasant experience.
• Treat your Debit Card in the same way you treat cash. Keep it with you at all times and never
leave it unattended.
• Your Debit Card is for your exclusive use only. It should never be surrendered to anyone other
than a designated Bank Officer at a DCB Bank branch and that too only after cutting into several
pieces through the magnetic strip.
• Never reveal or surrender your personal identification number (PIN) to anyone. Please destroy all
evidence of the PIN after memorising it. Do not write it on the Debit Card and never keep a written
copy of it in close proximity to your Debit Card. It is also recommended that you change the PIN
to a number of your choice as soon as possible and at regular intervals. (At least once in three
months thereafter.)
• If your Card is lost / stolen, or if you suspect that your Card has been used fraudulently, call the
Customer Care Centre (022) 6899 7777 / (040) 6815 7777, immediately to report the loss.
• In case you need your Card to be re-issued or terminated, please send in your request in writing
to the DCB Bank branch where you have your account. A replacement Card shall be provided to
you at applicable tariff. Upon Card expiry or closure of your account, please cut your Debit Card
into several pieces through the magnetic strip.
• Always ensure that the Debit Card is swiped in your presence when transacting at merchant
establishments. Never sign an incomplete sales slip.
• Do not attempt to use your Debit Card at merchant establishments that do not possess
electronic Point-of-Sale swipe terminal.
• Do not attempt to use your Debit Card for making purchases via telephone / mail / internet.
• Please promptly notify DCB Bank, in writing, of any changes in your telephone numbers or
mailing address.
Using Your Debit Card Abroad
• All expenses incurred overseas must be strictly in accordance with the Exchange Control
Regulations of the Reserve Bank of India (RBI). Please note that the aggregate expenses you
incur overseas (i.e. through cash / traveller's cheques / your bank account / Debit Card / Credit
Card) should not exceed the limit set by the RBI, as prevailing from time to time.
• Foreign Exchange Entitlement (as per regulations on date of print). Basic Travel Quota (BTQ):
Resident Indians are allowed a BTQ entitlement not exceeding US $ 10,000 or its equivalent per
person in one calendar year for one or more private visits to any country (except Nepal or
Bhutan).
Business Travel and Entertainment Allowance: Foreign Exchange not exceeding US $ 25,000
per trip, irrespective of the period of stay, for business purposes or for participating in
conferences or seminars.
• To be in compliance with the Exchange Control Regulations, you are also required to have your
passport endorsed by an Authorised Dealer when you avail of foreign exchange under the BTQ.
You can select DCB Bank to be your Authorised Dealer.
• Please note that your account statement reflects both domestic and international Debit Card
transactions.
• To track your overseas spends, in order to ensure that they are within the permissible RBI limits,
you will have to convert the equivalent Rupee amount shown on your statement for each
overseas transaction to US $ using the day's TT selling rate which can be obtained from your
Authorised Dealer.
• All transactions (domestic and international) incurred by your additional Cardholders will also be
reflected on your account statement. Additional Cardholders may have their passport endorsed
for the foreign exchange they have availed of under the BTQ and must ensure that the expenses
they incur overseas are strictly in accordance with the Exchange Control Regulations of the RBI.
• For a comprehensive list of all Visa ATMs please visit the Visa website www.visa.com
• In case you are unable to withdraw cash from any Visa ATM, try keying in a lower amount (as
some ATMs have a cash disbursement limit) or try after a few minutes (as the network server may
be down).
• Not all ATMs have a balance inquiry option.
• At the time of cash withdrawal at Visa ATMs abroad the screen displays 3 options for the type of
accounts that you can effect the transaction in: 1) Credit 2) Savings 3) Checking. Please choose
the Credit option, as the other options do not hit the Visa network.
• At a few Merchant Establishments abroad, you may have to ask the cashier to swipe your DCB
Debit Card as a Credit card. This is because in some countries “Debit” is connected only to the
local network and the transaction may be declined, as it would not reach Visa network. Your card
will continue to function as a Debit Card.
• Transactions at some of the Point-of-Sale (merchant) are usually for a nominal amount to check
the validity of the card. Your account would initially get debited only for such nominal amount.
However, the actual transaction amount would be subsequently and separately debited to your
account. Please ensure to have sufficient balance maintained in your account to meet such
belated debits.
• In case the Debit Card is used for both business and personal expenses, the two must be
tracked separately to ensure that you comply with both the Basic Travel Quota and Business
Travel permissible limits.
• Any violation of the Exchange Control Regulations arising out of utilisation of this Debit Card is
the responsibility of the individual Cardholder (primary / additional) and he / she will be liable for
action under the provisions of the Foreign Exchange Management Act (FEMA) 1999 and any
other regulations in force from time to time. Please also note that the onus of ensuring
compliance with the regulations is on the holder of the internationally valid Debit Card.
• Liberalised Remittance Scheme reporting of any overseas spends will be done basis the

16
 transactions value and that in case the limit is exceeded by the customer he/she will abode by
the rules applicable as per FEMA guidelines / Bank's laid down process.
• Tax Collected at Source (TCS) for International Debit Card transactions charging clause to be
included in line as below:
Please note that from 1st October, 2020, all foreign remittance transactions including debit card
transactions under Liberalised Remittance Scheme (LRS) will be subject to Tax Collection at
Source (TCS) under Section 206C of the Income Tax Act, 1961.TCS at 5% shall be applicable on
the aggregate foreign remittances/ international debit card transaction under LRS exceeding
INR 7 Lakh in a financial year.
Type of Transaction TCS Applicable
International transactions on DCB Debit 5% tax shall be applicable on each and every
Card & DCB Niyo Global Card (including card based foreign transaction.
Dynamic Currency Conversion - If the cumulative value of foreign transactions
DCC transactions) is not exceeding INR 7 Lakh in a financial year,
then the TCS amount will be refunded in the
account from which TCS has been debited
within 12 days from the date of transaction.
In the event where the amount remitted is for
the purpose of pursuing education through a
loan obtained from a financial institution, TCS
@ 5% will be levied at the time of the
transaction. Refund will be effected within 12
days from the date of transaction, if the below
mentioned documents are e-mailed to
[email protected]
a. Approved loan sanction letter for
educational purpose and
b. Statement for fund transfer to DCB Bank
Card/loan account to ascertain the source
of fund
If the remittance has exceeded the regulatory
limit of INR 7 Lakh from all sources, refund of
TCS will be effected only at the rate of 4.5%,
after appropriating 0.5% towards TCS on
overseas education, provided the above
mentioned documents are emailed to the
Bank.
Please ensure to fund the account sufficiently to cover the international card transactions,
TCS amount, remittance charges, correspondent bank charges and other taxes/ charges as
applicable. In the event of insufficient funds in the account, the transaction/s will not be
processed.
Please note that TCS deducted cannot be refunded by the Bank in the event of return of
remittance. In the case of Card transactions, TCS once collected can be refunded by the
Bank only if the reversal or cancellation of the transaction has happened on the date of
transaction itself.
However, it may be noted that TCS credit can be claimed by filing the Income Tax Return
subject to applicable income tax provisions.
• All overseas spends is converted at VISA Exchange Rate and DCB Bank has limited scope in
this. Bank may decide to levy relevant mark up on the applicable rate as and when
applicable as per the Schedule of charges.
AN UNDERSTANDING, AN AGREEMENT
Terms and conditions governing the DCB Debit Card
• Important - Please make sure you have read these Debit Card terms and conditions carefully
before using the DCB Debit Card. By using the Debit Card you are unconditionally accepting the
terms and conditions listed hereunder and will be bound by them and you accept the onus of
ensuring compliance with the relevant Reserve Bank of India (RBI) Regulations, Exchange
Control Regulation, Foreign Exchange Management Act 1999 ('The Act'), all the rules and
regulations framed under the Act and as amended / modified / applicable from time to time and
any other corresponding enactment in force from time to time. You will also continue to remain
bound by the terms and conditions of operation of your Savings Bank Account / Current
Accounts or any other applicable account with DCB Bank.
Card Validity and Cardholder Obligations
• The issue and use of the Card shall be subject to the rules and regulations in force from time to
time as issued by the Reserve Bank of India and FEMA 1999. The issue and use shall also be
governed by the terms and conditions contained herein and as amended from time to time.
• The Card shall be valid only for transaction options, as permitted by the Bank from time to time in
India and abroad, at DCB Bank ATMs and Visa ATMs.
• The Card will be at all times the property of DCB Bank and shall be returned to DCB Bank
unconditionally and immediately upon DCB Bank's request. The Cardholder is requested to
ensure that the identity of the Bank's Officer is established before handing over the Card.
• The Debit Card is not transferable or assignable by the Cardholder under any circumstances.
• You must sign the Card immediately upon receipt. You must not permit any other person to use it
and should safeguard the Card from misuse by retaining the Card under your personal control at
all times.
• The Personal Identification Number (PIN) issued to the Cardholder for use with the Card or any
numbers chosen by the Cardholder as a PIN, will be known only to the Cardholder and are for the
personal use of the Cardholder and are non-transferable and strictly confidential. A written
record of the PIN number should not be kept in any form, place or manner that may facilitate its
use by a third party. The PIN should not be disclosed to any third party, either to staff of the Bank
or to merchant establishments, under any circumstances or by any means whether voluntary or
otherwise.
• The Cardholder's account will be debited immediately with the amount of any withdrawal,
transfer and other transactions effected by the use of the Card. Sometimes the transaction

17
 amount and / or tips, surcharge or exceptional transaction amount would be debited to your
account subsequently / at a later date. The Cardholder will maintain sufficient funds in the
account to meet any such transactions.
• The Cardholder shall not be entitled to overdraw the Cardholders' account(s) with DCB Bank or
withdraw funds by the use of the Debit Card in excess of any agreed overdraft limit.
• The Cardholder will be responsible for transactions effected by the use of the card whether
authorised by the Cardholder or not, and shall indemnify DCB Bank against any loss or damage
caused by any unauthorised use of the Card or related PIN, including any penal action arising
therefrom on account of any violation of RBI guidelines or rules framed under the Foreign
Exchange Management Act 1999 or any other law being in force in India and / or any other
country / state continent / territory law being in force in India and / or any other country / state
continent / territory wherever located in the world at the time, notwithstanding the termination of
this agreement.
• You are requested to note that the Debit Card is valid up to the last day of the month / year
indicated. You hereby undertake to destroy the Debit Card when it expires by cutting it into
several pieces. Your renewed Debit Card shall be sent to you before the expiry of the Card at the
discretion of DCB Bank, upon evaluation of the conduct of your account. DCB Bank reserves the
sole right of renewing your Card account on expiry.
• The Cardholder will inform DCB Bank in writing within 15 days from the statement date of any
irregularities or discrepancies that exist in the transaction details at an ATM / merchant
establishment on the statement of account sent by DCB Bank. If no such notice is received
during this time, DCB Bank will assume the correctness of both the transactions and the
statement of account.
International Usage
• Utilisation of the Card must be in strict accordance with the Exchange Control Regulations of the
Reserve Bank of India (RBI). In the event of your failure to comply with the same, you are liable for
action under the Foreign Exchange Management Act 1999 and may be debarred from holding
the Debit Card from DCB Bank either at the instance of DCB Bank or the RBI. You shall
indemnify and hold harmless DCB Bank from and against any / all consequences arising from
you not complying with Exchange Control Regulations of the RBI.
• The Debit Card is not valid for foreign currency transactions in Nepal and Bhutan (i.e. in any
currency that is not the local currency or the Indian Rupee).
• International usage covering overseas transactions would be marked up by 3% of the
transaction amount or by any other rate as determined by the Bank from time to time. Please
note that the mark-up is not levied by Visa International to the cardholders.
• DCB Bank shall be under no liability whatsoever and shall be deemed to be indemnified in
respect of loss or damage arising directly or indirectly out of the decline of a charge caused by
the Cardholder having exceeded the foreign exchange entitlements as prescribed by the
Reserve Bank of India (RBI) as issued from time to time, on DCB Bank becoming aware of the
Cardholder exceeding his entitlements.
• Non-Resident Indians can hold an internationally valid Debit Card, provided all dues arising out
of its use in India / overseas are met out of a NRE account held with DCB Bank.
• You undertake not to use the Card for making payment for any illegal purchases i.e. purchases
of items / services not permitted by the RBI / any other extant statutory regulations.
Merchant Establishment Usage
• The Card is accepted at all electronic Point-of-Sale terminals at merchant establishments in
India and overseas which display the Visa / Visa Electron logo.
• The Card is for electronic use only and will be accepted only at merchant establishments that
have an electronic Point-of-Sale swipe terminal. Any usage of the Card at mail order or
telephone order transaction will be deemed unauthorised and the Cardholder will be solely
responsible for such transactions. Please note that the PIN is not required for use of the Debit
Card at the electronic Point-of-Sale swipe terminals at merchant establishments.
• In case the Cardholder already has a DCB ATM Card, on issuance of the Debit Card, the ATM
card will be deactivated.
• You must sign the sales slip and retain your copy of the sales slip whenever the Card is used at
merchant establishments. DCB Bank will not furnish copies of the Sales slip. Any sales slip not
personally signed by you but which can be proven, as being authorised by you will be deemed to
be your liability.
• The Debit Card is accepted at any Visa Card merchant outlets worldwide. DCB Bank will not
accept any responsibility for any dealings the merchant may have with you, including but not
limited to the supply of goods and services so availed or offered. Should you have any complaint
relating to any Visa Card merchant establishment, you should resolve the matter with the
merchant establishment and failure to do so will not relieve you from any obligations to DCB
Bank.
• DCB Bank accepts no responsibility for any charges over and above the value / cost of
transactions levied by any merchant establishment and debited to your account along with the
transaction amount.
• A purchase and a subsequent credit for cancellation of goods / services are two separate
transactions. The refund will only be credited to your account (less cancellation charges) as and
when it is received from the merchant. If the credit is not posted to your card account within 30
days from the day of refund, you must notify DCB Bank along with a copy of the credit slip from
the merchant.
• In case of Cards linked to multiple accounts, transactions at merchant establishments will be
effected only on the primary account. In case there are insufficient funds in the said account
DCB Bank will not honour the transactions even if the necessary funds are available
cumulatively or severally in the other accounts linked to the Card.
• The Card is not to be used at Hotels during check-in and also at other locations where paying
arrangement is done before completion of the purchase transaction or service.
• The Card should not be used for any Mail Order / Phone Purchases and any such usage will be
considered as unauthorised.
• The Card should not be used for payment of subscription to foreign magazines / periodicals and
any such usage will be considered as unauthorised.

18
• The Cardholder would be solely liable for all unauthorised acts and transactions.
• Sometimes the transaction amount and / or tips, surcharge or exceptional transaction amount
would be debited to your account subsequently / at a later date.
• Kindly ensure that your account is adequately funded to meet the debits pertaining to tips, petrol
/ railway surcharge or any other exceptional transactions which are debited to your account
belatedly.
• The Bank is not responsible if your card is not accepted or if any transaction is declined at POS
(member establishment / merchant location) for any reason whatsoever.
ATM Usage
• The Card is accepted at the DCB Bank ATMs and Visa / Plus ATMs worldwide.
• The DCB Debit Card can also be used for cash withdrawal and balance enquiry at any Visa ATM
in India and overseas.
• Charges for cash withdrawal / balance enquiry / other transactions at DCB Bank ATMs or any
Visa ATMs in India and overseas would be as per the schedule of service charges. For current
applicable rate, please refer to the relevant section of this booklet. Please contact your nearest
DCB Bank Branch or visit our website for further details.
• For all cash withdrawals, cheque / cash deposits at DCB Bank ATM, any statements / receipts
issued by the ATM at the time of deposit or withdrawal shall be deemed conclusive, unless
verified and intimated otherwise by DCB Bank. Any such verification shall likewise be final and
conclusive and this verified amount will be binding on the cardholder.
• DCB Bank will not be liable for any failure to provide any service or to perform any obligation
thereunder where such failure is attributable (whether directly or indirectly) to any malfunction of
the ATM or the Card, temporary insufficiency of funds, any dispute or the circumstances beyond
its control.
• DCB Bank will not be liable for any consequential or indirect loss or damage arising from or
related to the loss / use of the Card and related PIN, howsoever caused.
• The availability of ATM services in a country other than that in which the Card was issued is
governed by the local regulations in force in the said country. DCB Bank shall not be liable if
these services are withdrawn without notice thereof.
• The Bank is not responsible if your card is not accepted or if any transaction is declined at any
ATM for any reason whatsoever.
Fees
• Annual fees will be debited to your primary account at applicable rate. These fees are not
refundable. Charges for other services will be levied to the primary account, at prevailing rates.
• Transaction fees for cash withdrawals / balance inquiry and / or other transactions wherever
applicable, will be debited to the account at the time of posting debit entry of the transaction
amount or at end of day.
• All charges in foreign currency will be billed in the Cardholder's Bank account statements in
Indian Rupees. You hereby authorise DCB Bank and Visa to convert the charges incurred in the
foreign currency into the Indian Rupee equivalent thereof at such rates as DCB Bank / Visa may
from time to time designate.
• The Charges / fees applicable on the usage of the Debit Card maybe revised / changed by DCB
Bank from time to time without prior intimation to the Cardholder(s).
• Any charges / fees appearing in this terms and conditions does not include service tax and / or
any other cess / taxes as applicable from time to time.
Features of the Debit Card
• The Bank may from time to time, at its discretion, tie-up with various agencies to offer various
features on your Debit Card. All these features would be on best efforts basis only, and the Bank
does not guarantee or warrant the efficacy, usefulness of any of the products of service offered
by any service providers / merchants / outlets / agencies. Disputes (if any) would have to taken
up with the merchant / agency, etc. directly, without involving the Bank.
Disclosure of information
• Through this Terms & Conditions, the card holder provides approval to DCB Bank Limited to
share data of the card/account holder and its operation with the Technical / Technology Service
Provider(s) for this arrangement.
• When requested by DCB Bank and/or its Associate, you shall provide any information, records
or certificate relating to any matters that DCB Bank and/or its Associate deems necessary. You
will also authorise DCB Bank and/or its Associate to verify the veracity of the information
furnished by whatever means or from whichever source deemed necessary. If the data is not
provided or if incorrect, DCB Bank and/or its Associate may at its discretion refuse renewal of
the Card or cancel the Card forthwith.
• DCB Bank and/or its Associate reserves the right to disclose your information and/or
documents to any court of competent jurisdiction, quasi-judicial/statutory/regulatory
authorities, law enforcement agencies and any other wing of Central Government or State
Government.
• DCB Bank and/or its Associate reserves the right to disclose, in strict confidence, to other
institution, such information concerning the Cardholder s Account as may be necessary or
appropriate in concerning to its participation in any Electronic Fund Transfer network.
• DCB Bank and/or its Associate reserves the right to report to the RBI or any other
statutory/regulatory authority expenditure undertaken by the Cardholder(s) in foreign currencies
to ensure that the permissible entitlements are not exceeded by the Cardholder(s) and that the
Foreign Exchange Management Act, 1999 is not contravened.
• The Cardholder agrees that the Bank and/or its Associate may disclose, in strict confidence, to
other institutions, such personal information as may be reasonably necessary for reasons
inclusive of, but not limited to the following:
a. For participation in any telecommunication or electronic clearing network,
b. In compliance with a legal directive,
c. For credit rating by recognised credit scoring agencies,
d. For fraud prevention purposes, and
e. To credit information bureaus.

19
• The Cardholder further agrees that the Bank and/or its Associate may disclose information
provided in the Account Opening Form for the purpose of cross selling by any marketing agent(s)
and / or contractors with whom the Bank and/or its Associate enters, or has entered into any
arrangement in connection with providing of services / products, including without limitation,
cross selling of various financial products.
Lost or Stolen Card
• In the event that the Card is lost or stolen, the occurrence must be reported to DCB Bank Branch
or the Helpline immediately by fastest means of communication followed with a written
communication. A copy of the acknowledged police complaint must accompany the said
written confirmation.
• Should transaction be received by DCB Bank after the Card has been lost or stolen but before
receipt of your written confirmation you shall be liable for all amounts debited to the accounts.
However, if the loss / theft has been promptly reported in writing and that you acted in good faith
and with reasonable care and diligence, then your lost Card liability for purchase transactions
will be zero (once the loss is reported in writing). There will be no such coverage provided on
cash withdrawals done through ATMs, as such transactions require the use of a PIN, which is
confidential and known only to you.
• You hereby undertake to indemnify DCB Bank fully against any liability / (civil or criminal), loss,
cost, expenses or damage that may arise due to loss or misuse of the Card in the event that it is
lost and not reported to DCB Bank, or lost and misused before DCB Bank is informed. Provided
you have in all respects complied with the terms and conditions, a replacement Card may be
issued at the sole discretion of DCB Bank at the applicable fee.
• If it is determined that you were grossly negligent or fraudulent in the handling of the Card, the
Bank would not entertain any request for refund / reimbursement of fraudulent usage of the Lost
/ Stolen card. If any amount is credited to your account based on your representation and / or
any information provided by you, the Bank would recover the amount from you without any prior
notice. You hereby undertake to indemnify DCB Bank fully against any liability, loss, cost,
expenses, damage that may arise due to your negligent or fraudulent handling of the card.
• Should you subsequently recover the Card, it cannot be used. Please destroy the Card by
cutting it into several pieces through the magnetic strip.
Insurance
• You acknowledge that the insurance benefit provided on the Card will be available to you as per
the terms of the relevant insurance policy in force and only so long as you are and remain an
active Cardholder of DCB Bank.
• The Zero Lost Card Liability coverage is provided to Cardholders by HDFC ERGO General
Insurance Company Limited (or any other insurance co. with which the Bank may tie-up from
time to time) whose terms, conditions and decisions, for which DCB Bank is not liable, will apply.
• You may be asked to submit additional documents, as per the requirements of the case.
• DCB Bank will not be liable for any delayed settlement of the claims.
Statements and Records
• The records of Card transactions will be available on the account statement sent by DCB Bank.
Such account statements shall be mailed to the Cardholder on a periodic basis to the mailing
address corresponding to the primary account on record as indicated by the Cardholder. The
Cardholder can also get details of his transactions at any time by calling DCB Phone Banking
Service or utilising the mini statement facility at the DCB Bank ATMs.
• DCB Bank's record of transactions processed by the use of the Card shall be conclusive and
binding for all purposes.
Disputes
• In case of purchase transactions, a sales slip with the signature of the Cardholder together with
the Card number noted thereon shall be conclusive evidence between DCB Bank and/or its
Associate and the Cardholder as to the extent of the liability incurred by the Cardholder and DCB
Bank and/or its Associate shall not be required to ensure that the Cardholder has received the
goods purchased / availed of the service to the Cardholder s satisfaction.
• DCB Bank and/or its Associate shall make bonafide and reasonable efforts to resolve an
aggrieved Cardholder s disagreement with an applicable charge indicated in the Account
statement or as otherwise determined by the Cardholder within two months of the receipt of
notice of disagreement. If after such effort DCB Bank and/or its Associate determine that the
charge is correct, then it shall communicate the same to the Cardholder.
• Any dispute in respect of a Shared Network ATM Transaction will be resolved as per VISA
Regulations. The Bank and its Associate does not accept responsibility and liability for any
dealings the Cardholder may have with Shared Networks. Should the Cardholder have any
complaints concerning any Shared Network ATM, the matter should be resolved by the
Cardholder with the Shared Network, and failure to do so will not relieve him from any obligations
to the Bank and its Associate. However, the Cardholder should notify the Bank and its Associate
of the complaint immediately.
• DCB Bank and/or its Associate accept no responsibility for the refusal of any Merchant
Establishment to honour the Card.
• These terms and conditions will be construed in accordance with and governed by the laws of
India. All disputes are subject to the exclusive jurisdiction of the Courts of Mumbai in India
irrespective of whether any other Court may have concurrent jurisdiction in the matter.
• The Cardholder will be liable for all the costs associated with the collection of dues, legal
expenses (should it become necessary to refer the matter to any agent), or where legal
resources have been utilized in the resolution of a dispute.
• The Bank and/or its Associate accepts no liability whatsoever, direct or indirect, for non-
compliance with the laws of any country other than the Republic of India. The mere fact that any
service can be accessed through the internet, mobile or phone by the Cardholder in a country
other than India shall not be interpreted to imply that the laws of the said country govern these
terms and conditions and / or the operations in the Account(s) of the Cardholder and/or the use
of any of these services.

20
General
• You will promptly notify DCB Bank in writing of any change in your employment and / or office
and / or residential address and telephone numbers.
• DCB Bank reserves the right to add to, delete or vary any of the terms and conditions. Use of the
Debit Card after the date upon which any of these alterations are to take effect will be taken to be
evidence of the acceptance, without reservations by the Cardholder of such changes.
• Any notice hereunder sent by post will be deemed to have received by the Cardholder within 7
days from the posting of the notification to the address last given to DCB Bank in writing by the
Cardholder. Publication of changes by such means as DCB Bank may consider appropriate will
constitute effective notice to the Cardholder thereof.
• If an account holder, by using the Card, draws an amount in excess of the balance available or
overdraft limit permitted by DCB Bank, the account holder will pay DCB Bank unconditionally
the entire amount overdrawn with interest and penalties, if any, at a rate to be decided by DCB
Bank. However, this should not be construed as an agreement, either expressed or implied that
DCB Bank is bound to grant any overdraft facility whatsoever.
• DCB Bank makes no representations about the quality of the goods and services offered by third
parties providing benefits such as discounts to Cardholders. DCB Bank will not be responsible if
the service is in any way deficient or otherwise unsatisfactory.
Termination
• DCB Bank reserves the rights to cancel / withdraw the Card or any of the other services offered
at any time without prior notice and without assigning any reason.
• In the event that the Cardholder decides to close his account with DCB Bank, the Card(s) issued
with this account, as the primary account would automatically stand cancelled. The
Cardholder(s) must immediately cease to use his / their Card and destroy and return all his /
additional Cardholder Cards that are linked to this account. In case of any outstanding Card
transactions that have not yet been debited to the account, the same will be netted off from the
balance prior to DCB Bank returning his funds to him.
• In the event that the Cardholder decides to terminate the use of the Debit Card, the Cardholder
shall give DCB Bank prior notice in writing and forthwith return the Card and any additional
Cardholders Cards (if not required) cut into several pieces through the magnetic strip, to DCB
Bank. The Cardholder will be responsible for all the Cards facilities and related charges incurred
on the Debit Card after the Cardholder claims to have destroyed the Card, not with standing the
termination of the applicability of these terms and conditions. The Cardholder will be
responsible for all the charges incurred on the Debit Card whether or not the same are a result of
misuse / fraudulent use and whether or not the Bank has been intimated of the destruction of the
Card.
• The Card is the property of DCB Bank and must be returned to an Officer of DCB Bank
immediately and unconditionally upon request. Please ensure that the identity of the Bank
Officer is established by you before handling over your Card.
• DCB Bank shall be entitled to terminate the Debit Card facility with immediate effect and the
Card shall be returned upon the occurrence of any of the following events.
i) Failure to comply with the terms and conditions herein set forth.
ii) An event of default under an agreement or commitment (contingent or otherwise) entered
into with DCB Bank.
iii) The Cardholder becoming the subject of any bankruptcy, insolvency proceedings or
proceedings of a similar nature.
iv) Demise of the Cardholder.
v) Closure of the Cardholder's account or failure to maintain the minimum average balance in
the said account.
• The Debit Card should be returned to DCB Bank prior to the date upon which any charges
are to take effect, in case of the Cardholder's rejection of any of the proposed changes to the
features, charge or terms and conditions applicable to the Card.
NOTE
• Please note that DCB Bank does not charge the customers any fee at merchant establishments.
However, there are certain merchant categories like railways and petrol pumps where there is a
surcharge for using a card. The surcharge at petrol pumps is 2.5% of the purchase bill or `10/-
whichever is more and at railways an additional `30/- per transaction. These will be separately
debited to your account and will appear as separate entries.
• These charges are as presently applicable and are subject to change from time to time. For
details, please contact your nearest DCB Bank Branch.
• Above charges / fees does not include service tax and / or any other cess / taxes as applicable
from time to time.
HELP LINE
• Call us at our Customer Care Centre No. (022) 6899 7777 / (040) 6815 7777 or e-mail us at
[email protected] or write to us at DCB Bank, NPC, No. 2, Thanikachalam Road, T
Nagar, Chennai - 600017. Visit us at www.dcbbank.com
COMMON CLAUSES
APPLICABLE TO ALL ACCOUNTS/SERVICES:
1. Liability:
a. I / We agree and undertake to ensure that there would be sufficient funds / cleared balance /
pre-arranged credit facilities in my / our account for effecting transactions. I / We agree that
the Bank shall not be liable for any consequences arising out of non-compliance by the bank
of my / our instructions due to inadequacy of funds and the bank can at its sole discretion
decide to carry out the instructions notwithstanding the inadequacy of funds. The Bank may
do the aforesaid without prior approval from or notice to me / us and I / We shall be liable to
repay with interest the resulting advance, overdraft or credit thereby created and all related
charges arising thereby @ Prime Lending rate + 5% p.a. compounded monthly.
b. I / We agree that the bank shall not be liable for any damages, losses (direct or indirect)
whatsoever, due to disruption or non availability of any of services / facilities due to
technical fault / error or any failure in telecommunication network or any error in any
software or hardware systems.

21
2. Disclosure:
a. I / We agree that the Bank may disclose, in strict confidence, to other institutions, such
personal information as may be reasonably necessary for reasons inclusive of, but not
limited to the following:
i) For participation in any telecommunication or electronic clearing network.
ii) In compliance with a legal directive.
iii) For credit rating by recognised credit scoring agencies.
iv) For fraud prevention purposes and
v) To credit information bureaus.
I / We give our consent to the Bank to disclose information provided in the Account Opening Form
for the purpose of cross selling by any marketing agent(s) and / or contractors with whom the Bank
enters, or has entered into any arrangement in connection with providing of services / products,
including without limitation, cross selling of various financial products.
3. Disclosure of Information to CIBIL:
I / We, understand that as a pre-condition, relating to grant of the loans / advances / other fund-
based and non-fund-based credit facilities to me / us, the Bank, requires my / our consent for the
disclosure by the Bank of, information and data relating to me / us, of the credit facility availed of / to
be availed, by me / us, obligations assumed / to be assumed, by me / us, in relation thereto and
default, if any, committed by me / us, in discharge thereof. Accordingly, I / we hereby agree and give
consent for the disclosure by the Bank of all or any such.
- Information and data relating to me / us.
- The information or data relating to any credit facility availed of / to be availed, by me / us, and
- Default, if any, committed by me / us, in discharge of my / our such obligation, as the Bank may
deem appropriate and necessary, to disclose and furnish to Credit Information Bureau (India)
Ltd. and any other agency authorised in this behalf by RBI.
I / We, declare that the information and data furnished by me / us to the Bank are true and correct.
I / We, undertake that:
i. The Credit Information Bureau (India) Ltd. and any other agency so authorised may use,
process the said information and data disclosed by the Bank in the manner as deemed fit by
them; and
ii. The Credit Information Bureau (India) Ltd. and any other agency so authorised may furnish
for consideration, the processed information and data or products thereof prepared by
them, to banks / financial institutions and other credit grantors or registered users, as may
be specified by the Reserve Bank in this behalf.
4. Governing Law:
These terms and conditions and / or the operations in the accounts of the customer maintained
by the Bank and / or the use of the services provided by the Bank shall be governed by the laws
of the Republic of India and no other nation. The customer and the Bank agree to submit to the
exclusive Jurisdiction of the Courts located in Mumbai, India as regards any claims or matters
arising under these terms and conditions. The Banks accepts no liability whatsoever, direct or
indirect, for non-compliance with the laws of any country other than the Republic of India. The
mere fact that any service can be accessed through the internet, mobile or phone by a customer
in a country other than India shall not be interpreted to imply that the laws of the said country
govern these terms and conditions and / or the operations in the said accounts of the customer
and/or the use of any of these services.
5. General:
a. The clause headings in this agreement are only for convenience and do not effect the meaning of
the relative clause. I / We shall not assign this agreement to anybody else. The Bank may
subcontract and employ agents to carry out any of its obligations under this contract.
b. I / We shall keep myself / ourselves aware of the Terms (General and Product Specific) on the
website of the Bank. The Bank shall not be obliged to convey and inform to me / us any changes /
updates made therein from time to time.
c. I/We understand that the Bank is relying on this information for the purpose of determining the
status of the applicant in compliance with FATCA (Foreign Account Tax Compliance Act) / CRS
(Common Reporting Standards). The Bank is not able to offer any tax advice on CRS or FATCA
or its impact on the applicant. I/we shall seek advice from professional tax advisor for any tax
questions.
d. I agree that my personal Know Your Customer (KYC) information may be shared with Central
KYC (CKYC) registry or any other competent authority. I hereby give consent to receive
information from the Bank / CKYC registry / the Government / Reserve Bank of India or any
authority through SMS / email on my registered mobile number / email address. I also agree that
non receipt of any such SMS / email shall not make the Bank liable for any nature of loss or
damage
e. If, for any reason, our Customer Care Team or the Branch is unable to resolve your concern, or
should you not receive a communication from them within 10 working days, you can approach
our Principal Nodal Officer at the Corporate & Registered Office:
Ms. Preeti Dhar
DCB Bank Limited, 6th Floor, Peninsula Business Park, Tower A, SenapatiBapat Marg
Lower Parel, Mumbai - 400013. Tel: +91 22 6618 7031 E-mail: [email protected]

DCB Customer Care

Call: (022) 6899 7777 n (040) 6815 7777
June 21 / 3.0

Email: [email protected]
Web: www.dcbbank.com