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A bankis a financialinstitution whoseprimary activity is to act

as a payment agent forcustomers and toborrow and lend money.It is an institution for

receiving, keeping, andlending money

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Banks stuck to takingdeposits andadvancing loans

Then came to phaseof providing loans forspecific purposeslikehome loans,

educational loans etc.Recently banks came

out with newerproducts and services

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Wealth management Online banking Mobile banking ATM Insurance-Life, Auto, Home, Health Credit cards Online brokerage Forex cards Demat accounts Mutual fund Derivatives Multi-option deposit scheme Flexi deposits Certificates of deposit Core banking

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DematDematerialization of physical

stocks

SEBI mandates a demat account for share trading above 500 shares Must have a PAN no. for holding a DMAT A/c

Depository

Master electronicstorage vault. Eg:

NSDL, CSDL

DPs

Members of

depository.Offer DematAccounts to

investors

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Our Demat A/c iscalled abeneficiary a/c

with our DP has aClient ID no.Each DP has hisown ID no.

We need to knowboth the no. tomake transactions Just like bank A/c, we can have multiple

Demat A/cs

We can do so with the same DP or with

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Benefits :- Ease of transacting (No paper involved) Reduces the risk (loss in transit, theft) Less time involved Less cost involvedEg: ICICI Bank Demat Services boasts of an

ever-growing customer base of over 11.5 lakh

account holders

It represents our investments which hasmonetary value, so take care of youre a/c asyou would with your bank A/c

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Meant for fulfilling the foreignexchange needs of travelers

It is a magnetic strip based Pre-paid Card which offers you aconvenient way to carry your forexcash

Although the card may be in thebase currency i.e. currency withwhich it was loaded, you canwithdraw cash in the local currencyof the country you are in.

Eg: ForexPlus Card (HDFC)Travel Card (ICICI)Vishwa Yatra Foreign Travel

Card (SBI)

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A Forex Card takes awaythe hassles of goingaround Money changers

Eligibility:Different banks havedifferent variants..

Any bonafide citizen ofIndia who plans to travel

abroad except Nepal andBhutan

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A credit card is a cardentitlingits holder to buy goods and

services based on the holderspromise to pay for these goodsand services

Most credit cards are of thesame shape and size asspecified by the ISO 7810

standard

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An example of the front in atypical credit card:

1. Issuing bank logo2. EMV chip3. Hologram4. Credit card number5. Card brand logo6. Expiry Date

7. Cardholder's name

An example of the reverse side of

a typical credit card:

1. Magnetic Strip2.Signature Strip3.Card Security Code

http://en.wikipedia.org/wiki/File:CCardBack.svghttp://en.wikipedia.org/wiki/File:CCardFront.svg

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Credit cards are issued after an account has been approved by the creditprovider, after which cardholders can use it to make purchases at merchantsaccepting that card

The cardholder indicates his/her consent to pay, by signing a receipt with arecord of the card details and indicating the amount to be paid or by entering aPersonal identification number (PIN).

Electronic verification systems allow merchants to verify that the card is valid

and the credit card customer has sufficient credit to cover the purchase in a fewseconds, allowing the verification to happen at time of purchase. Theverification is performed using a credit card payment terminal or Point of Sale(POS) system with a communications link to the merchant's acquiring bank.

Interest Grace period is the time the customer has to pay the balance before interest is

charged to the balance Credit card issuers usually waive interest charges if the balance is paid in full

each month, but typically will charge full interest on the entire outstandingbalance from the date of each purchase if the total balance is not paid.

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Credit card system presents countlessopportunities for fraud

A huge black market in stolen credit cardnumbers, which are generally used quickly

before the cards are reported stolen Most internet fraud is done through the use ofstolen credit card information which is obtainedin many ways, either online or offline

Is there really a need for credit cards?

Americans are spending money they dont have,on things they dont need

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Bank on the move Facility extended to all Credit Card, Demat and Loan

customers.

Mobile Banking can be divided into two categories of

facilities

Alert facility: This facility informs customers promptly of

the significant transactions in their accounts wherever they

go.

Request facility: Request facility enables customers to ask

for account information.

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Request FacilityCustomers can ask for

Account balance Last three transactions in the account

Cheque status

Stop cheque instruction

Cheque book

Change customer primary account

View presented bills

Alert FacilityCustomers can subscribe for following events

Salary credit

Account getting debited by an amount specified by customer

Account getting credited by an amount specified by customer

Cheque return.

When customer balance rises above a limit.

When customer balance falls below a limit.

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Request Facility

Customers can ask for

Details of balance

Reward points available for redemption

Details of the last payment

Payment due date

Alert Facility

Due Date Reminder - Customers receive an alert five days prior to the due

date informing total and minimum amounts due and the payment due

date

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Mobile Banking Demat

Request Facility

Customers can ask for

Balance enquiry

Status of a transaction

Bill enquiry

ISIN enquiry

Alert Facility

Demat account getting credited

Demat account getting debited

Pledge creation

Pledge closure

Rejection of submitted instruction

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Mobile Banking Loans

Request Facility

Customers can ask for Amortization schedule

Income Tax Certificate - Provisional

Income Tax Certificate - Final

Copy of Loan Agreement

Alert Facility

Demat account getting credited

Demat account getting debited Pledge creation

Pledge closure

Rejection of submitted instruction

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Online banking (or Internet banking) allows customers toconduct financial transactions on a secure website operated by their

retail or virtual bank

Features offered :-

Balance Enquiry and Statement

Transaction History

Transfer Funds Online

Card-2-Card Fund Transfer

Use of Debit Card Online

Pre-paid Mobile Recharge

Payment of Utility Bills

Open Fixed Deposits and Recurring Deposits

Order a Demand Draft / Pay Order

Monthly Bank Account Statement by E-mail

Secure Mailbox

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General Insurance

Also known as non-life insurance, general insurance isnormally meant for:-

Travel InsuranceHealth Insurance

Motor Insurance

Home Insurance

Life Insurance

Long term insurance is so called because it is meant for a

long-term period which may stretch to several years or whole

life-time of the insured.

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Most Banks have 24 hr ATM network

ATMs located in commercial areas, residential localities, major petrol pumps,airports, near railway stations and other places which are conveniently

accessible to customers. User-friendly graphic screens with easy to follow instructions and interact with

customers in their local language for increased convenience

Features available on ATM

Cash Withdrawal:

Balance Enquiry

Mini Statement

Deposit Cash / Cheques

Funds Transfer

PIN Change

Payments

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Advanced investment advisory discipline that incorporates financial

planning and specialist financial services.

Key objectives are to provide high net worth individuals and families

with tailored retail banking services, estate planning, legal resources,

taxation advice and investment management, with the goal of sustaining

and growing long-term wealth.

Wealth Management Services

Analysing customers risk profile

Understanding customers present and future financial needs

Matching customers requirements with the available investment options

Explaining the risk inherent in such investments

Achieving the returns to fulfill customers financial objectives and goals.

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This all-new Deposit Scheme has integrated features of theSavings Deposit and Fixed Deposit, namely liquidity with higherinterest returns on surplus funds as fixed deposits.

HOW DOES THE SCHEME WORK

The depositor opens a Savings Bank Account with a minimumamount of Rs 10,000/- and will issue standing instructions tothe bank to maintain a certain predetermined balance throughout the tenure of the account and to transfer the surplus fundsover and above the said limit to a Fixed Deposit Account inmultiples of Rs 5,000/- with a minimum of Rs 5,000/- for a fixedmaturity period.

Whenever the outstanding balance in Savings Bank Accountgoes below the stipulated amount the gap will be bridged bytransfer of required funds from depositors Fixed DepositAccount in multiples of Rs 1,000.

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WHO CAN OPEN AN ACOUNT

All individuals, singly or jointly who are eligible to openSavings A/C .This scheme is also open to Non-ResidentIndians who are eligible to open an account as per or

existing rules and regulations.PERIOD OF DEPOSIT

The Fixed period will vary between 46 days to 5 years.In case of NRI Deposit, minimum period will be one year.

AMOUNT OF DEPOSIT A minimum Rs 10,000/- as a Savings Bank Account. A Minimum of Rs 5,000/ - as a Term Deposit (Fixed

Deposit), increased in multiples of Rs 5,000/-.

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RATE OF INTERESTAs applicable to Savings Bank Deposit and Fixed Depositin force from time to time.

Interest will be paid on a quarterly on the Fixed Depositaccount.

ADVANTAGES

Maximum Returns:

Money is no longer idle.As soon as the balance in your Savings Account crosses

the stipulated amount, the excess, in multiples of

Rs 5,000 will be transferred automatically to a higherinterest earning Fixed Deposit Account.The maturity of fixed or term deposits formed as a

result of transfer of money from the Savings Bankaccount will be for a minimum period of 46 days andthe interest will be calculated on simple interest ratebasis.

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Core banking is a general term used to describethe services provided by a group of networkedbank branches.

Bank customers may access their funds and othersimple transactions from any of the memberbranch offices.

Normal core banking functions will include depositaccounts, loans, mortgages and payments.

Banks make these services available acrossmultiple channels like ATMs, Internet banking,and branches.

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CBS - new jargon frequently used in bankingcircles.

The advancement in technology, especiallyinternet and information technology.

computer software is developed to perform coreoperations of banking like

recording of transactions

passbook maintenance interest calculations on loans and deposits, customer records, balance of payments and withdrawal are done.

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This software is installed at different branches of bankand then interconnected by means of communicationlines like telephones, satellite, internet etc.

It allows the user (customers) to operate accounts fromany branch if it has installed core banking solutions . cut down time working simultaneously on different issues increasing efficiency

Egs. of CBS provider Finnacle- infosys Flexcel International- i-flex solutions,

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Personal loans are a unique retail loans productoffered by a number of banks to cater to distinctand diverse needs of the customers.

Secured and unsecuredloans are provided by

banks to its esteemed customers.

The main purpose of such a loan is to meet any kindof personal need or expense. A number ofpersonal loans like marriage loans, consumerdurable loans, festival loans are increasinglybecoming popular.

Easy loans are provided at attractive rate of interestfor widening the existing customer base.

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Various types of personal loans

Home loan Property loan Car loan Education Loan Farmer finance Marriage loan Pension loan Consumer durable loan

Festival loan Equipment loan

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A new deposit scheme combining the features ofCurrent account, Savings Bank a/c, TDR. The productproposes to give liquidity to the depositor with high

returns and convenience. It provides the depositor anautomatic overdraft facility in Current a/c and automaticwithdrawal of Term deposits in units through SB a/c.Depositor has to simultaneously open TDR / RID a/c forRs.1000/-, SB a/c with balance Rs.500/- and Current a/c.

Multi option deposit scheme

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A Mutual Fund is a trust that pools the savings of anumber of investors who share a common financialgoal.

The money thus collected is then invested in capitalmarket instruments such as shares, debentures andother securities.

The income earned through these investments andthe capital appreciation realized are shared by itsunit holders in proportion to the number of unitsowned by them.

Thus a Mutual Fund is the most suitable investmentfor the common man as it offers an opportunity to

Concept

Mutual fund

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Mutual fund operation

flow chart

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Benefits

Its systematic investment plan

There is less risk in mutual funds

Investor can easily change its scheme or patterns

Investor can easily check their value of money

Their is transparency in valuation

Investor get a bridge annual report

Tax benefit to investors

Investor can easily exit from fund

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Types of mutual fund

Open

ende

d

Close

ende

d

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Types of

scheme

SECTORSPECIFIC

Tax

scheme

GROWT

HSCHEME

INCOMEscheme

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THANK

YOU