A

Project Study Report

On
Training Undertaken at
Titled
COMPERATIVE ANA!SIS O" PRO#UCTS $ SERVICES O"
A%IS &AN' (IT) ITS COMPETITORS*
Submitted in partial fulfillment for the
Award of degree of
Ma+ter o, &u+ine++ Ad-ini+tration
C.itkara &u+ine++ Sc.ool
BY

SHIFALI

/01/213
1
/
ACKNOWLEDGEMENT
I 4i+. to e5pre++ -y gratitude to A%IS &AN' ,or gi6ing -e an opportunity to
7e a part o, t.eir e+tee-ed organi8ation and en.ance -y kno4ledge 7y
granting per-i++ion to do +u--er training project under t.eir guidance9
I a- deeply inde7ted to -y guide: Mr9 PAN'A; C)AU)AN: &ranc.
Manager: A%IS &ank: ,or .i+ 6alua7le and enlig.tened guidance9 )e pro6ided
-e 4it. t.e opportunity to learn in t.e 7ank and +pared .i+ 6alua7le ti-e to
.elp -e9
My +pecial t.ank+ to Mr+9 ME<)A TI(ARI: #eputy Manager: A%IS &ank:
,or pro6iding great +upport and .elp 4.ene6er 4a+ re=uired9
A +pecial t.ank+ to -y ,aculty guide, #r: TAMIN#ER 'AUR ,or 7eing
t.e c.ie, ,acilitator o, t.i+ project and .elped -e en.ance -y kno4ledge in
t.e ,ield o, 7anking +ector9
T.i+ project .a+ 7een po++i7le due to t.e +upport o, +e6eral 4onder,ul
indi6idual+9 I 4ould like to t.ank -any unkno4n indi6idual+: 4it. 4.o- I
interacted9 All o, t.e- 4it. t.eir due cooperation and -oti6ation -ade t.e
co-pletion o, t.i+ project +ucce++,ul9 I 4ould like to t.ank t.e- all9
a+t 7ut not t.e lea+t I a- .ig.ly o7liged to -y ,riend+ and colleague+ ,or
t.eir .elp and +upport9 T.e learning during t.e project 4a+ i--en+e and
6alua7le9
Regard+:
S)I"AI
>
CONTENTS

S9NO9 PARTICUARS

1 INTRO#UCTION To T.e Indu+try
/ INTRO#UCTION TO t.e Organi8ation
> RESEARC) MET)O#OO<!
>91 Title o, t.e +tudy
>9/ #uration o, t.e product
>9> O7jecti6e o, t.e +tudy
>93 Type o, Re+earc.
>9? Sa-ple +i8e and -et.od o, +electing a-ple
>9@ Scope o, +tudy
>9A i-itation o, +tudy
3 "ACT $ "IN#IN<S
? ANA!SIS $ INTERPRETATION
@ S(OT
A CONCUSION
B RECOMMEN#ATION $ SU<<ESTION
C APPEN#I%
3
10 &I&IO<RAP)IES
?

INTRODUCTION TO THE
INDUSTRY
@
BANKING IN INDIA
(it.out a +ound and e,,ecti6e 7anking +y+te- in India it cannot .a6e a .ealt.y
econo-y9 T.e 7anking +y+te- o, India +.ould not only 7e .a++le ,ree 7ut it +.ould 7e
a7le to -eet ne4 c.allenge+ po+ed 7y t.e tec.nology and any ot.er e5ternal and
internal ,actor+9 "or t.e pa+t t.ree decade+ IndiaD+ 7anking +y+te- .a+ +e6eral
out+tanding ac.ie6e-ent+ to it+ credit9 T.e -o+t +triking i+ it+ e5ten+i6e reac.9 It i+
no longer con,ined to only -etropolitan+ or co+-opolitan+ in India9 In ,act: Indian
7anking +y+te- .a+ reac.ed e6en to t.e re-ote corner+ o, t.e country9 T.i+ i+ one o,
t.e -ain rea+on+ o, IndiaD+ gro4t. proce++9
HISTORY:
T.e ,ir+t 7ank in India: t.oug. con+er6ati6e: 4a+ e+ta7li+.ed in 1AB@9 "ro- 1AB@ till
today: t.e journey o, Indian &anking Sy+te- can 7e +egregated into t.ree di+tinct
p.a+e+9 T.ey are a+ -entioned 7elo4E
F P)ASE I 2 Early p.a+e ,ro- 1AB@ to 1C@C o, Indian &ank+
F P)ASE II 2 Nationali8ation o, Indian &ank+ and up to 1CC1
F P)ASE III 2 Indian "inancial $ &anking Sector Re,or-+ a,ter 1CC19
A
PHASE I:
T.e <eneral &ank o, India 4a+ +et up in t.e year 1AB@9 Ne5t ca-e &ank o,
)indu+tan and &engal &ank9
T.e Ea+t India Co-pany e+ta7li+.ed
Bank of Benga !"#$%&,
Bank of Bo'(a)!"#*$& an+
Bank of Ma+,a- !"#*.G a+ independent unit+ and called it P,e-/+en0)
Bank-9
T.e+e t.ree 7ank+ 4ere a-alga-ated in 1C/0 and I'1e,/a Bank of In+/a
4a+ e+ta7li+.ed 4.ic. +tarted a+ pri6ate +.are.older+ 7ank+: -o+tly European+
+.are.older+9 #uring t.e ,ir+t p.a+e t.e gro4t. 4a+ 6ery +lo4 and 7ank+ al+o
e5perienced periodic ,ailure+ 7et4een 1C1> and 1C3B9 T.ere 4ere appro5i-ately
1100 7ank+: -o+tly +-all9 To +trea-line t.e ,unctioning and acti6itie+ o, co--ercial
7ank+: t.e <o6ern-ent o, India ca-e up 4it. T.e &anking Co-panie+ Act: 1C3C
4.ic. 4a+ later c.anged to &anking Regulation Act 1C3C a+ per a-ending Act o,
1C@? HAct No9/> o, 1C@?G9 Re+er6e &ank o, India 4a+ 6e+ted 4it. e5ten+i6e po4er+
,or t.e +uper6i+ion o, 7anking in India a+ t.e Central &anking Aut.ority9 #uring
t.o+e dayI+ pu7lic .a+ le++er con,idence in t.e 7ank+9 A+ an a,ter-at. depo+it
-o7ili8ation 4a+ +lo49 A7rea+t o, it t.e +a6ing+ 7ank ,acility pro6ided 7y t.e Po+tal
depart-ent 4a+ co-parati6ely +a,er9 Moreo6er: ,und+ 4ere largely gi6en to t.e
trader+9
PHASE II:
<o6ern-ent took -ajor +tep+ in t.i+ Indian &anking Sector Re,or- a,ter
independence9 In 1C??: it nationali8ed I-perial &ank o, India 4it. e5ten+i6e 7anking
,acilitie+ on a large +cale e+pecially in rural and +e-i2ur7an area+9 Second p.a+e o,
nationali8ation Indian &anking Sector Re,or- 4a+ carried out in 1CB0 4it. +e6en
-ore 7ank+9 T.i+ +tep 7roug.t B0J o, t.e 7anking +eg-ent in India under
<o6ern-ent o4ner+.ip9
B
T.e ,ollo4ing are t.e +tep+ taken 7y t.e <o6ern-ent o, India to Regulate &anking
In+titution+ in t.e CountryE
F "%*%: Enact-ent o, &anking Regulation Act9
F "%22E Nationali8ation o, State &ank o, India9
F "%2%E Nationali8ation o, S&I +u7+idiarie+9
F "%3": In+urance co6er e5tended to depo+it+9
F "%3%: Nationali8ation o, 13 -ajor 7ank+9
F "%4": Creation o, credit guarantee corporation9
F "%42E Creation o, regional rural 7ank+9
F "%#$E Nationali8ation o, +e6en 7ank+ 4it. depo+it+ o6er /00 crore+9
A,ter t.e nationali8ation o, 7ank+: t.e 7ranc.e+ o, t.e pu7lic +ector 7ank India rai+ed
to appro5i-ately B00J in depo+it+ and ad6ance+ took a .uge ju-p 7y
11:000J9&anking in t.e +un+.ine o, <o6ern-ent o4ner+.ip ga6e t.e pu7lic i-plicit
,ait. and i--en+e con,idence a7out t.e +u+taina7ility o, t.e+e in+titution+9
PHASE III
T.i+ p.a+e .a+ introduced -any -ore product+ and ,acilitie+ in t.e
7anking +ector in it+ re,or-+ -ea+ure9 In 1CC1: under t.e c.air-an+.ip
o, M Nara+i-.a-: a co--ittee 4a+ +et up 7y .i+ na-e 4.ic. 4orked
,or t.e li7erali8ation o, 7anking practice+9
T.e country i+ ,looded 4it. ,oreign 7ank+ and t.eir ATM +tation+9
E,,ort+ are 7eing put to gi6e a +ati+,actory +er6ice to cu+to-er+9 P.one
7anking and net 7anking i+ introduced9 T.e entire +y+te- 7eca-e -ore
con6enient and +4i,t9 T.e ,inancial +y+te- o, India .a+ +.o4n a great
deal o, re+ilience9 It i+ +.eltered ,ro- any cri+i+ triggered 7y any e5ternal
-acroecono-ic+ +.ock a+ ot.er Ea+t A+ian Countrie+ +u,,ered9 T.i+ i+
all due to a ,le5i7le e5c.ange rate regi-e: t.e "oreign Re+er6e+ are
.ig.: t.e capital account i+ not yet ,ully con6erti7le: and 7ank+ and t.eir
cu+to-er+ .a6e li-ited ,oreign e5c.ange e5po+ure9
C
"56 NATIONALI7ED BANKS IN INDIA
&anking Sy+te- in India i+ do-inated 7y nationali8ed 7ank+9 T.e
nationali8ation o, 7ank+ in India took place in 1C@C 7y Mr+9 Indira <and.i t.e
t.en pri-e -ini+ter9 T.e -ajor o7jecti6e 7e.ind nationali8ation 4a+ to +pread
7anking in,ra+tructure in rural area+ and -ake a6aila7le c.eap ,inance to
Indian ,ar-er+9 "ourteen 7ank+ 4ere nationali8ed in 1C@C9
&e,ore 1C@C: State o, India HS&IG 4a+ only pu7lic +ector 7ank in India9 S&I
4a+ nationali8ed in 1C?? under t.e S&I Act o, 1C??9 T.e +econd p.a+e o,
nationali8ation o, Indian 7ank+ took place in t.e year 1CB09 Se6en -ore 7ank+
4ere nationali8ed 4it. depo+it+ o6er /00 crore+
"5. PRI8ATE BANKS
All t.e 7ank+ in India 4ere earlier pri6ate 7ank+9 T.ey 4ere ,ounded in t.e
pre2independence era to cater to t.e 7anking need+ o, t.e people9 &ut a,ter
nationali8ation o, 7ank+ in 1C@C pu7lic +ector 7ank+ ca-e to occupy do-inant
role in t.e 7anking +tructure9 Pri6ate +ector 7anking in India recei6ed a ,illip in
1CC3 4.en Re+er6e &ank o, India encouraged +etting up to pri6ate 7ank+ a+
part o, it+ policy o, li7erali8ation o, t.e Indian &anking Indu+try9 )ou+ing
#e6elop-ent "inance Corporation i-ited H)#"CG 4a+ a-ong+t t.e ,ir+t to
recei6e an KIn principleI appro6al ,ro- t.e Re+er6e &ank o, India HR&IG to +et
up a 7ank in t.e pri6ate +ector9
Pri6ate &ank+ .a6e played a -ajor role in t.e de6elop-ent o, Indian 7anking
indu+try9 T.ey .a6e -ade 7anking -ore e,,icient and cu+to-er ,riendly9 In t.e
proce++ t.ey .a6e jolted pu7lic +ector 7ank+ out o, co-placency and ,orced
t.e- to 7eco-e -ore co-petiti6e9
10
INTRODUCTION TO THE
ORGANI7ATION
11
COMPANY DESCRIPTION
A9IS BANK
A5i+ &ank India: t.e ,ir+t 7ank to 7egin operation+ a+ ne4 pri6ate 7ank+ in 1CC3 a,ter
t.e <o6ern-ent o, India allo4ed ne4 pri6ate 7ank+ to 7e e+ta7li+.ed9 A5i+ &ank 4a+
jointly pro-oted 7y t.e Ad-ini+trator o, t.e +peci,ied undertaking o, t.e
Unit Tru+t o, India HUTI2IG
i,e In+urance Corporation o, India HICG
<eneral In+urance Corporation td9
Al+o 4it. a++ociate+ 6i89 National In+urance Co-pany td9: t.e Ne4 India
A++urance Co-pany: T.e Oriental In+urance Corporation and United In+urance
Co-pany td9
E8OLUTION:
UTI 4a+ e+ta7li+.ed in 1C@3 7y an Act o, Parlia-entL neit.er did t.e <o6ern-ent o,
India o4n it nor contri7ute+ any capital9 T.e R&I 4a+ a+ked to contri7ute one2.al, o,
it+ initial capital o, R+ ? crore: and gi6en t.e -andate o, running t.e UTI in t.e
intere+t o, t.e unit2.older+9 T.e State &ank o, India and t.e i,e In+urance
Corporation contri7uted 1? per cent o, t.e capital eac.: and t.e re+t 4a+ contri7uted
7y +c.eduled co--ercial 7ank+ 4.ic. 4ere not nationali8ed t.en9 T.i+ kind o,
+tructure ,or a unit tru+t i+ not ,ound any4.ere el+e in t.e 4orld9 Again: unlike ot.er
unit tru+t+ and -utual ,und+: t.e UTI 4a+ not created to earn pro,it+9
In t.e cour+e o, nearly ,our decade+ o, it+ e5i+tence: it Ht.e UTIG .a+ +ucceeded
p.eno-enally in ac.ie6ing it+ o7jecti6e and .a+ t.e large+t +.are any4.ere in t.e
4orld o, t.e do-e+tic -utual ,und indu+try9 DD T.e e-ergence o, a M,oreign e5pertM
during t.e +etting up o, t.e UTI -ake+ an intere+ting +tory9 T.e announce-ent 7y t.e
t.en "inance Mini+ter t.at t.e <o6ern-ent o, India 4a+ conte-plating t.e
e+ta7li+.-ent o, a unit tru+t caug.t t.e eye o, Mr9 <eorge (ood+: t.e t.en Pre+ident
o, t.e (orld &ank9 Mr9 (ood+ took a great deal o, intere+t in t.e Indian ,inancial
+y+te-: a+ .e 4a+ one o, t.e principal arc.itect+ o, t.e ICICI: in 4.ic. .i+ 7ank: "ir+t
&o+ton Corporation &ank: .ad a +i8ea7le +.are.olding9 Mr9 (ood+ o,,ered: t.roug.
Mr9 &9'9 Ne.ru: 4.o 4a+ IndiaD+ E5ecuti6e #irector on t.e (orld &ank: t.e +er6ice+
o, an e5pert9 T.e Centre ju-ped at t.e o,,er: and a+ked t.e R&I to .old up t.e
,inali8ation o, t.e unit tru+t
1/
Propo+al+ till t.e e5pert 6i+ited India9 T.e only point Mr9 Sulli6an -ade 4a+ t.at t.e
pro6i+ion to li-it t.e o4ner+.ip o, unit+ to indi6idual+ -ig.t re+ult in unnece++arily
re+tricting t.e -arket ,or unit+9 (.ile -aking t.i+ point: .e .ad in -ind t.e practice
in t.e US: 4.ere +-all pen+ion ,und+ are an i-portant cla++ o, cu+to-er+ ,or t.e unit
tru+t+9 T.e Centre accepted t.e ,oreign e5pertD+ +ugge+tion: and t.e nece++ary
a-end-ent+ 4ere -ade in t.e dra,t &ill9 T.u+: 7egan corporate in6e+t-ent in t.e
UTI: 4.ic. recei6ed a 7oo+t ,ro- t.e ta5 conce++ion gi6en 7y t.e go6ern-ent in t.e
1CC02C1 &udget9 According to t.i+ conce++ion: t.e di6idend+ recei6ed 7y a co-pany
,ro- in6e+t-ent+ in ot.er co-panie+: including t.e UTI: 4ere co-pletely e5e-pt
,ro- corporate inco-e ta5: and pro6ided t.e di6idend+ declared 7y t.e in6e+ting
co-pany 4ere .ig.er t.an t.e di6idend+ recei6ed9
T.e re+ult 4a+ a p.eno-enal increa+e in corporate in6e+t-ent 4.ic. accounted ,or
?A per cent o, t.e total capital under US2@3 +c.e-e9 &ecau+e o, .ig. li=uidity t.e
corporate +ector u+ed t.e UTI to park it+ li=uid ,und+9 T.i+ added to t.e 6olatility o,
t.e UTI ,und+9 T.e corporate lo77y 4.ic. per.ap+ +u7tly oppo+ed t.e e+ta7li+.-ent
o, t.e UTI in t.e pu7lic +ector -ade u+e o, it ,or it+ o4n 7ene,it+ later9 T.e
<o6ern-ent2R&I po4er ga-e +tarted 4it. t.e ,inali8ation o, t.e UTI c.arter it+el,9
T.e R&I dra,t o, t.e UTI c.arter +tipulated t.at t.e C.air-an 4ill 7e no-inated 7y
it: and one -ore no-inee 4ould 7e on t.e &oard o, Tru+tee+9 (.ile ,inali8ing t.e
dra,t &ill: t.e Centre c.anged t.i+ +tipulation9 T.e C.air-an 4a+ to 7e no-inated 7y
t.e <o6ern-ent: al7eit in Con+ultation 4it. R&I9 Alt.oug. t.e appoint-ent 4a+ to
7e -ade in con+ultation 4it. t.e Re+er6e &ank: t.e <o6ern-ent could appoint a
per+on o, it+ c.oice a+ C.air-an e6en i, t.e &ank did not appro6e o, .i-9
ater on in /00/ t.e UTI 4a+ rena-ed to A5i+ &ank9
1>
BUSINESS DESCRIPTION
T.e &ankD+ principal acti6itie+ are to pro6ide co--ercial 7anking +er6ice+ 4.ic.
include -erc.ant 7anking: direct ,inance: in,ra+tructure ,inance: 6enture capital ,und:
ad6i+ory: tru+tee+.ip: ,ore5: trea+ury and ot.er related ,inancial +er6ice+9
CORPORATE PROFILE
A5i+ &ank i+ t.e t.ird large+t pri6ate +ector 7ank in India9 A5i+ &ank o,,er+ t.e entire
+pectru- o, ,inancial +er6ice+ to cu+to-er +eg-ent+ co6ering arge and Mid
Corporate+: SME: Agriculture and Retail &u+ine++e+9
T.e &ank .a+ a large ,ootprint o, 1ABA do-e+tic 7ranc.e+ Hincluding e5ten+ion
counter+G and 10:>@> ATM+ +pread acro++ 1:1>C centre+ in t.e country a+ on >1+t
#ece-7er /01/9 T.e &ank al+o .a+ A o6er+ea+ 7ranc.e+ N o,,ice+ in Singapore: )ong
'ong: S.ang.ai: Colo-7o: #u7ai: #I"C 2 #u7ai and A7u #.a7i9
A5i+ &ank i+ one o, t.e ,ir+t ne4 generation pri6ate +ector 7ank+ to .a6e 7egun
operation+ in 1CC39 T.e &ank 4a+ pro-oted in 1CC>: jointly 7y Speci,ied
Undertaking o, Unit Tru+t o, India HSUUTIG Ht.en kno4n a+ Unit Tru+t o, IndiaG:i,e
In+urance Corporation o, India HICG: <eneral In+urance Corporation o, India H<ICG:
National In+urance Co-pany td9: T.e Ne4 India A++urance Co-pany td9: T.e
Oriental In+urance Co-pany td9 and United India In+urance Co-pany td9 T.e
+.are.olding o, Unit Tru+t o, India 4a+ +u7+e=uently tran+,erred to SUUTI: an entity
e+ta7li+.ed in /00>9
(it. a 7alance +.eet +i8e o, R+9/:B?:@/B crore+ a+ on >1+t Marc. /01/: A5i+ &ank i+
ranked Ct. a-ong+t all Indian +c.eduled 7ank+9 A5i+ &ank .a+ ac.ie6ed con+i+tent
gro4t. and +ta7le a++et =uality 4it. a ? year CA<R H/00A21/G o, >1J in Total
A++et+: >0J in Total #epo+it+: >@J in Total Ad6ance+ and 3?J in Net Pro,it9
T.e Corporate O,,ice o, A5i+ &ank i+ located at A5i+ )ou+e Mu-7ai9 A5i+ )ou+e
.a+ recei6ed t.e :Pa;/n<'= rating a4arded 7y t.e US <reen &uilding Council ,or it+
en6iron-ent ,riendly ,acilitie+ and reduction o, car7on e-i++ion9
SUBSIDIARIES
T.e &ank .a+ +et up +i5 4.olly2o4ned +u7+idiarie+E

A5i+ Securitie+ and Sale+ td9 HSince rena-ed A5i+ Capital td9G
A5i+ Pri6ate E=uity td9
A5i+ Tru+tee Ser6ice+ td9
A5i+ A++et Manage-ent Co-pany td9
A5i+ Mutual "und Tru+tee td9
A5i+ U9'9 td9
13
PROMOTERS:
UTI &ank td9 .a+ 7een pro-oted 7y t.e large+t and t.e 7e+t "inancial In+titution o,
t.e country:UTI9 T.e &ank 4a+ +et up IN 1CC> 4it. a capital o, R+9 11? crore: 4it.
UTI contri7uting R+9 100 crore:
IC 2 R+9 A9? crore
<IC and it+ ,our +u7+idiarie+ contri7uting R+9 19? crore eac.9
A5i+ &ank i+ today one o, t.e -o+t co-petiti6e and pro,ita7le 7anking ,ranc.i+e in
India9 (.ic. can 7e clearly +een 7y an analy+i+ o, it+ co-pre.en+i6e port,olio o,
7anking +er6ice+ including Corporate Credit: Retail &anking: and &u+ine++
&anking:Capital Market+: Trea+ury and International &anking9
CAPITAL STRUCTURE
T.e &ank .a+ aut.ori8ed +.are capital o, R+9 ?00 crore+ co-pri+ing ?00:000:000
e=uity +.are+ o, R+910N2 eac.9 A+ on >1+t Marc.: /01/ t.e &ank .a+ i++ued:
+u7+cri7ed and paid2up e=uity capital o, R+9 31>9/0 crore+: con+tituting 31>:/0>:C?/
+.are+ o, R+9 10N2 eac.9 T.e &ankI+ +.are+ are li+ted on t.e National Stock E5c.ange
and t.e &o-7ay Stock E5c.ange9 T.e <#R+ i++ued 7y t.e &ank are li+ted on t.e
ondon Stock E5c.ange HSEG9
DISTRIBUTION NETWORK
T.e &ank .a+ a net4ork o, 1ABA do-e+tic 7ranc.e+ Hincluding e5ten+ion counter+G
and 10:>@> ATM+ acro++ t.e country: a+ on >1+t #ece-7er /01/: t.e net4ork o,
A5i+ &ank +pread+ acro++ 1:1>C citie+ and to4n+: ena7ling t.e &ank to reac. out to a
large cro++2+ection o, cu+to-er+ 4it. an array o, product+ and +er6ice+9 T.e &ankI+
o6er+ea+ net4ork con+i+t+ o, 3 7ranc.e+ in Singapore: )ong 'ong:
#I"C O #u7ai and Colo-7o and > Repre+entati6e o,,ice+ at S.ang.ai: #u7ai: and
A7u #.a7i9
BUSINESS O8ER8IEW
An o6er6ie4 o, 6ariou+ 7u+ine++ +eg-ent+
RETAIL BANKING
A5i+ &ank .a+ de6eloped a +trong retail 7anking ,ranc.i+e o6er t.e year+9
Retail &anking i+ one o, t.e key dri6er+ o, t.e &ankI+ gro4t. +trategy and it
enco-pa++e+ a 4ide range o, product+ deli6ered to cu+to-er+ t.roug.
-ultiple c.annel+9 T.e &ank o,,er+ a co-plete +uite o, product+ acro++
depo+it+: loan+: in6e+t-ent +olution+: pay-ent+ and card+ to .elp cu+to-er+
ac.ie6e t.eir ,inancial o7jecti6e+9 T.e &ank ,ocu+e+ on product
di,,erentiation a+ 4ell a+ a .ig. le6el o, cu+to-er2+er6ice to ena7le it to 7uild
it+ retail 7u+ine++9
1?
T.e &ank .a+ continued to de6elop it+ ri+k -anage-ent capa7ilitie+ in Retail
7u+ine++: 7ot. ,ro- a credit and operation+ ri+k +tandpoint9 T.e 7ranc.
c.annel i+ e,,ecti6ely utili+ed ,or gro4ing t.e retail a++et+ 7u+ine++: 4it. loan
and card product+ 7eing o,,ered to e5i+ting clientele9
T.e gro4t. area+ identi,ied 7y t.e &ank are in t.e area+ o, re+idential
-ortgage+ and pa++enger car loan+9 O, t.e total retail loan+ port,olio: BB93AJ
i+ in t.e ,or- o, +ecured loan+ Hre+idential -ortgage+ and auto loan+G9
T.e &ank o,,er+ a 4ide range o, pay-ent +olution+ to it+ cu+to-er+ in t.e
,or- o, de7it card+: prepaid card+ and credit card+9 A+ on >1+t Marc. /01/:
t.e &ank .a+ a 7a+e o, appro5i-ately 1/39CC lac de7it card+: placing it a-ong
t.e leading player+ in t.e country9 T.e &ank i+ al+o a do-inant player in
prepaid card+9 A5i+ &ank .a+ o6er / lak. in+talled E#C -ac.ine+ 2 a .ig.e+t
,or any 7ank in India9
A5i+ &ank Pri6PeI: an e5clu+i6e pri6ate 7anking +er6ice o,,er+ ad6i+ory:
in6e+t-ent and lending +olution+ to it+ cu+to-er+ acro++ 10 citie+ in t.e
country9 Pri6Pe ,ollo4+ a client2,ocu+ed in6e+t-ent proce++ and a tea-27a+ed
approac. ,or -anaging client relation+.ip+9 T.e relation+.ip -anage-ent
tea- i+ +upported 7y a tea- o, product +peciali+t+: client +er6icing tea-+:
in6e+t-ent con+ultant+ and re+earc. e5pert+9 T.e pri6ate 7anking 7u+ine++
,ocu+e+ on addre++ing 7ot. t.e per+onal and corporate ad6i+ory need+ o, an
entrepreneur or 7u+ine++ ,a-ily 7y 7ringing +olution+ o,,ered 7y 6ariou+
7u+ine++ group+ acro++ t.e retail and corporate 7u+ine++e+ 4it.in t.e &ank
under an integrated plat,or-9
T.e &ank launc.ed KA5i+ &ank (ealt.I in /00B20C targeting cu+to-er+ 4.o
.a6e a total relation+.ip 6alue 4it. t.e &ank o, 7et4een R+9>0 lac+ and
R+9/00 lac+9 T.e 6alue propo+ition ai-+ at deli6ering a KOne &ankI
e5perience to +uc. cu+to-er+ and i+ po+itioned a+ a co-plete +olution
in6ol6ing 7anking: in6e+t-ent and a++et need+9
T.e &ank al+o di+tri7ute+ t.ird party product+ +uc. a+ -utual ,und+: &ank
a++urance product+ Hli,e and general in+uranceG: online trading: <old and
Sil6er coin+ t.roug. it+ 7ranc.e+9
T.e retail 7u+ine++ o, t.e &ank i+ +upported 7y inno6ati6e +er6ice+ and
alternate c.annel+ 4.ic. pro6ide con6enience o, tran+action+ to cu+to-er+9
T.e+e c.annel+ include an e5ten+i6e ATM net4ork: internet 7anking: -o7ile
7anking and p.one 7anking9
1@
In;e,na;/ona Re;a/
International Retail &u+ine++ ,ocu+e+ +peci,ically on t.e o6er+ea+ +ale+
c.annel: retail ,oreign e5c.ange 7u+ine++: re-ittance+ and retail 7u+ine++e+ in
o6er+ea+ centre+ +uc. a+ )ong 'ong and Sri anka: 4.ere t.e &ank .a+ a
pre+ence9 T.e product+ o,,ered in t.e area o, retail "ore5 and re-ittance+
include tra6el currency card+: in4ard and out4ard 4ire tran+,er+: tra6ellerI+
c.e=ue+ and ,oreign currency note+: re-ittance ,acilitie+ t.roug. online
portal+ a+ 4ell a+ t.roug. colla7oration 4it. corre+pondent 7ank+: e5c.ange
.ou+e+ and -oney tran+,er operator+9 T.e &ank continued to .a6e a -arket
leader+.ip po+ition in Tra6el Currency Card+ 4it. 11 currency option+ ot.er
t.an INR 7eing o,,ered9 T.e aggregate +pend+ on Tra6el Currency Card+ .a6e
cro++ed US# > 7illion during t.e year /01/21>9
BUSINESS BANKING
&u+ine++ &anking le6erage+ t.e &ankI+ +trengt.+ O a 4ell di+tri7uted net4ork
o, 7ranc.e+ and a +trong tec.nology plat,or- to o,,er t.e 7e+t in tran+action
7anking +er6ice+9 T.e &ank o,,er+ a range o, current account product+ and
ca+. -anage-ent +olution+ acro++ all 7u+ine++ +eg-ent+ co6ering corporate+:
in+titution+: central and +tate go6ern-ent -ini+trie+ and undertaking+ a+ 4ell
a+ +-all and retail cu+to-er+9
T.e &ank i+ one o, t.e top CMS pro6ider+ in t.e country9 T.e &ank act+ a+ an
agency 7ank ,or tran+acting go6ern-ent 7u+ine++ o,,ering +er6ice+ to 6ariou+
Central <o6ern-ent Mini+trie+ N #epart-ent+ and ot.er State <o6ern-ent+
and Union Territorie+9
In order to pro6ide +olution+ ,or 7u+ine++ to e,,ecti6ely -anage t.eir ,und+
,lo4: t.e &ank .a+ introduced li=uidity -anage-ent +olution ,or corporate
cu+to-er+9 Si-ilarly: a +ingle 4indo4 ,or all pay-ent re=uire-ent+ 4a+
launc.ed 4it. +e6eral ad6anced ,eature+ +uc. a+ +etting a daily tran+action
li-it ,or corporate u+er+: +etting tran+action li-it+ ,or indi6idual 7ene,iciarie+:
prioriti+ing pay-ent -et.od+: online +top pay-ent and cancellation ,acilitie+9
CORPORATE CREDIT
A5i+ &ank .a+ 7uilt a +trong corporate 7anking ,ranc.i+e acro++ corporate:
lia7ility and a++et 7u+ine++e+9 A5i+ &ank pro6ide+ cu+to-i8ed +tructuring and
,inancing +olution+ in a ti-ely and co-pre.en+i6e -anner to it+ corporate
cu+to-er+ 4it. a ,ocu+ on 7uilding out a .ig. =uality credit port,olio9 T.e
&ank i+ a -arket leader in #e7t Capital Market+ and loan +yndication
7u+ine++ acro++ +eg-ent+: +ector+ and geograp.ie+9 T.e &ank al+o pro6ide+
1A
,ull range o, Trea+ury and Trade "inance +olution+ to it+ corporate client+9
T.e &ank o,,er+ tec.nology ena7led tran+action 7anking and ca+.
-anage-ent +er6ice+ to cu+to-er+ acro++ <o6ern-ent: ,inancial in+titution+
and corporate +eg-ent+9
&ankI+ in,ra+tructure 7u+ine++ include+ project and 7id ad6i+ory +er6ice+:
project lending: de7t +yndication: project +tructuring and due diligence:
+ecuriti+ation and +tructured ,inance9 #uring t.e year t.e &ank launc.ed it+
,ir+t e6er K#$&2A5i+ &ank In,ra A4ard+ /011I in a++ociation 4it. #un $
&rad+treet9 T.e a4ard ,elicitate+ leading in,ra+tructure project+ and
in,ra+tructure co-panie+9 In Octo7er /010: t.e &ank launc.ed t.e A5i+ In,ra
Inde5 HAIIG 4it. t.e pri-ary o7jecti6e o, con6eying a +en+e o, in6e+t-ent
condition+ in t.e in,ra+tructure +ector9 T.e Inde5: a+ a co-po+ite -ea+ure o,
in6e+tor con,idence: co-pri+e+ ,our co-ponent+E ,lo4 o, e=uity and de7t
,und+ into in,ra+tructure +ector+: project co-pletion and co--ence-ent o,
operation+: output related to in,ra+tructure +eg-ent+ and regulatory and
policy de6elop-ent+ rele6ant ,or t.e +ector9 It i+ de+igned to capture t.e
e6ol6ing ,unda-ental+ o, t.e +ector and i+ updated and di++e-inated on a
=uarterly 7a+i+9
TREASURY
T.e &ank .a+ an integrated Trea+ury: co6ering 7ot. do-e+tic and glo7al
-arket+: 4.ic. -anage+ t.e &ankI+ ,und+ acro++ geograp.ie+9 T.e &ankI+
trea+ury 7u+ine++ .a+ gro4n +u7+tantially o6er t.e year+: gaining -arket +.are
and continuing to 7e a-ong t.e top ,i6e 7ank+ in ter-+ o, ,ore5 re6enue+9
T.e Trea+ury play+ an i-portant role in t.e +o6ereign de7t -arket+ and
participate+ in t.e pri-ary auction+ .eld 7y R&I9 It al+o acti6ely participate+
in t.e +econdary go6ern-ent +ecuritie+ and corporate de7t -arket9 T.e
,oreign e5c.ange and -oney -arket+ de+k i+ an acti6e participant in t.e inter2
7ankN "I +pace9 T.e &ank .a+ 7een e5ploring 6ariou+ cro++27order -arket+ to
aug-ent re+ource+ and +upport cu+to-er cro++27order trade9 T.e &ank .a+
e-erged a+ one o, t.e leading pro6ider+ o, ,oreign e5c.ange and trade
,inance +er6ice+9 It pro6ide+ a ga-ut o, product+ ,or e5port+ and i-port+ a+
4ell a+ retail +er6ice+9 It+ cutting edge tec.nology pro6ide+ co-pre.en+i6e
and ti-ely cu+to-er +er6ice+9
INTERNATIONAL BANKING
T.e international operation+ o, t.e &ank ,or- a key ena7ler in it+ +trategy to
partner 4it. t.e o6er+ea+ gro4t. potential o, it+ do-e+tic clientele: 4.o are
6enturing a7road or re=uire non2rupee ,und+ ,or do-e+tic project+9 T.e &ank
no4 .a+ a ,oreign net4ork o, ,our 7ranc.e+ HSingapore: )ong 'ong: #I"C
H#u7aiG and Colo-7o HSri ankaGG and t.ree repre+entati6e o,,ice+ HS.ang.ai:
1B
#u7ai and A7u #.a7iG 4it. pre+ence in +i5 countrie+9 (.ile corporate
7anking: trade ,inance: trea+ury and ri+k -anage-ent +olution+ are t.e
pri-ary o,,ering+ t.roug. t.e 7ranc.e+ at Singapore: )ong 'ong: #I"C
H#u7aiG and Colo-7o: t.e &ank al+o o,,er+ retail lia7ility product+ ,ro- it+
7ranc.e+ at )ong 'ong and Colo-7o9 "urt.er: t.e &ankI+ <ul, Co2operation
Council H<CCG initiati6e+ in t.e ,or- o, repre+entati6e o,,ice+ in #u7ai and
A7u #.a7i: and alliance+ 4it. 7ank+ and e5c.ange .ou+e+ in t.e Middle Ea+t
pro6ide t.e +upport ,or le6eraging t.e 7u+ine++ opportunitie+ e-anating ,ro-
t.e large NRI dia+pora pre+ent in t.e+e countrie+9
SMALL AND MEDIUM ENTERPRISES
T.e S-all and Mediu- Enterpri+e+ HSMEG +eg-ent i+ a t.ru+t area o, t.e
&ank9 T.e 7u+ine++ approac. to4ard+ t.i+ +eg-ent: 4.ic. i+ e5pected to
contri7ute +igni,icantly to econo-ic gro4t. in ,uture: i+ to 7uild relation+.ip+
and nurture t.e entrepreneurial talent a6aila7le9 T.e relation+.ip 7a+ed
approac. ena7le+ t.e &ank to deli6er 6alue t.roug. t.e entire li,e cycle o,
SME+9 T.e &ank .a+ +eg-ented it+ SME 7u+ine++ in t.ree group+E S-all
Enterpri+e+: Mediu- Enterpri+e+ and Supply C.ain "inance9 T.e &ank
e5tend+ 4orking capital: project ,inance a+ 4ell a+ trade ,inance ,acilitie+ to
SME+9 T.e &ank .a+ launc.ed K&u+ine++ <aura6 SME A4ard+I in
a++ociation 4it. #un $ &rad+treet to recogni8e and a4ard ac.ie6er+ in t.e
SME +pace9
INFORMATION TECHNOLOGY
Tec.nology i+ one o, t.e key ena7ler+ ,or 7u+ine++ and deli6ery o,
cu+to-i8ed ,inancial +olution+9 T.e &ank continue+ to ,ocu+ on introducing
inno6ati6e 7anking +er6ice+ t.roug. in6e+t-ent+ in +cala7le and ro7u+t
tec.nology plat,or-+ t.at deli6er+ e,,icient and +ea-le++ +er6ice+ acro++
-ultiple c.annel+ ,or cu+to-er con6enience and co+t reduction9 T.e &ank .a+
al+o ,ocu+ed on i-pro6ing t.e go6ernance proce++ in IT9 T.e &ank .a+
launc.ed t.e &u+ine++ Proce++ Manage-ent Sy+te-: a reu+a7le +y+te-:
4.ic. .elp+ to 7uild proce++ e,,iciencie+ acro++ 6ariou+ area+ o, operation+9
T.e &ank .a+ undertaken 6ariou+ +tep+ in order to align it+el, to4ard+ R&I
guideline+ on +ecurity and go6ernance: including +etting up o, &oard and
E5ecuti6e le6el co--ittee+ and 4orking on IT operation+ and ot.er key
area+9
AGRICULTURE
T.e &ank continue+ to dri6e and e5pand t.e ,lo4 o, credit to t.e agricultural
+ector9 301 7ranc.e+ o, t.e &ank .a6e dedicated o,,icer+ ,or pro6iding ,ar-
1C
loan+9 Product+ and +olution+ are created +peci,ically 4it. +i-ple ,eature+ and
o,,ered at a,,orda7le rate+ to rural cu+to-er+9 T.e &ank .a+ al+o adopted a
6alue2c.ain approac.: 4.erein end2to2end +olution+ are 7eing pro6ided ,or
6ariou+ +take.older+9 It al+o o,,er+ 6ariou+ cu+to-i8ed +olution+ to -eet t.e
regional re=uire-ent+9
FINANCIAL INCLUSION
T.e &ank percei6e+ ,inancial inclu+ion H"IG not a+ a corporate +ocial
re+pon+i7ility or a regulator dri6en initiati6e 7ut a+ a large 7u+ine++
opportunity t.at lie+ untapped in t.e rural and une5plored +ection o, t.e ur7an
-arket9 Till Marc. /01/: t.e &ank .a+ opened o6er 393 -illion No2"rill+
account+ in o6er A:@0A 6illage+ t.roug. a net4ork o, 1? &u+ine++
Corre+pondent+ and nearly @:000 cu+to-er +er6ice point+9 T.e &ank .a+ a
+trong pre+ence in t.e Electronic &ene,it Tran+,er HE&TG +pace and .a+
co6ered around @:B00 6illage+ acro++ 1C di+trict+ and C +tate+ till date 4it.
o6er >9A -illion 7ene,iciarie+9
In t.e ur7an +pace: t.e &ank .a+ launc.ed ,inancial inclu+ion initiati6e+ in
&angalore: C.ennai and #el.i targeting -igrant la7ourer+: +lu- d4eller+ and
ot.er under27anked +ector o, t.e ur7an population and .a+ opened o6er >9?
lac No "rill account+9 T.e &ankI+ ,inancial inclu+ion e,,ort+ are not -erely
re+tricted to launc.ing o, ,inancial inclu+ion initiati6e+ and +ourcing 7a+ic No
"rill account+: 7ut to al+o pro-ote t.e +a6ing+ .a7it+ and ena7le t.e
cu+to-er+ to o7tain cu+to-i8ed +olution+ ,or t.eir ,inancial need+9
T.e &ank al+o .a+ a range o, ot.er cu+to-i+ed product+ ,or t.i+ cu+to-er
+eg-ent like di,,erent 6ariant+ o, A5i+ Uday No "rill+ Sa6ing+ Account+:
C..ota R#: C..ota "#: and C..ota SIP9 T.e &ank .a+ 7een one o, t.e ,ir+t
,e4 7ank+ to .a6e tied2up 4it. teleco- co-panie+ to o,,er re-ittance led
,inancial inclu+ion +er6ice+ on t.e -o7ile plat,or-9
HUMAN RESOURCES
T.e &ank ai-+ in creating and de6eloping .u-an capital to reali+e it+ 6i+ion
o, nurturing a -utually 7ene,icial relation+.ip 4it. it+ e-ployee+9 E-ployee
engage-ent and learning: leader+.ip de6elop-ent: en.ancing producti6ity
and 7uilding -ultiple co--unication plat,or-+ t.u+ occupied centre +tage in
t.e &ankI+ )R o7jecti6e9 T.e &ank continue+ to -aintain a +trong e-ployer
7rand in t.e ,inancial +er6ice+ +ector e+pecially on t.e ca-pu+e+ o, t.e
pre-ier 7u+ine++ +c.ool+ o, t.e country9 In a -ajor initiati6e: t.e &ank
launc.ed A5i+ Acade-ic Inter,ace Progra- HAAIPG 4it. In+titution+ to o,,er
young+ter+ an under+tanding a7out t.e ,inancial +er6ice+ indu+try: and
/0
creating KA5i+ &anker+I9 So ,ar: t.e &ank .a+ tied up 4it. Manipal
Uni6er+ity: NIIT: I"&I and <u4a.ati Uni6er+ity9
A5i+ &ank .a+ a young 4ork,orce 4it. an a6erage age o, /C year+9 T.e e=ual
opportunity e-ployer policy o, t.e &ank contri7ute+ +trongly to t.e A5i+
&ank 7rand
/1
Boa,+ of D/,e0;o,-
PERSON DESIGNATION
D,5 San>/? M/-,a C.air-an
S@/k@a S@a,'a Managing #irector $ CEO
So' M/;;a #irector
Ro@/; B@aga; #irector
I,eena 8/;;a #irector
K5 N5 P,/;@?/,a> #irector
85 R5 Ka<n+/n)a #irector
S5 B5 Ma;@<, #irector
P,a-a+ Menon #irector
Ra(/n+,ana;@ B@a;;a0@a,))a #irector
P,of5 Sa'/, K Ba,<a #irector
A5K5 Da-g<1;a #irector
8a,a+a,a>an S,/n/?a-an E#: Corporate &anking
So'na;@ Seng<1;a E#: Corporate Center
//
M/--/on
Cu+to-er +er6ice and product inno6ation tuned to di6er+e need+ o,
indi6idual and corporate clientele9
Continuou+ tec.nology up gradating 4.ile -aintaining .u-an 6alue+9
Progre++i6e glo7ali8ation and ac.ie6ing international +tandard+9
E,,iciency and e,,ecti6ene++ 7uilt on et.ical practice+9
Cu+to-er Sati+,action t.roug. pro6iding =uality +er6ice e,,ecti6ely and
e,,iciently9
8ISION AND 8ALUES
8/-/on 6$"2
To 7e t.e pre,erred ,inancial +olution+ pro6ider e5celling in cu+to-er deli6ery
t.roug. in+ig.t: e-po4ered e-ployee+ and +-art u+e o, tec.nology
Co,e 8a<e-
Cu+to-er Centricity
Et.ic+
Tran+parency
Tea-4ork
O4ner+.ip
/>
UNIT: A9IS BANK LIMITED
;ee6an Praka+. &uilding
Sector 1A2&
C.andigar.2 1@001A
TelE 01A/2 ?0@/C1A
Reg/-;e,e+ Off/0e
KTri+.ulI: >
rd
"loor: Opp9 Sa-art.e+.4ar Te-ple: a4 <arden:
Elli+ &ridge:
A.-eda7ad O >B0 00@9 Tel No9 E 0AC O /@30 C>// "a5 No9 E 0AC O /@30 C>/1
E-ailE p9o8aQa5i+7ank9co-Nrajendra9+4a-inarayanQa5i+7ank9co-
(e7 +iteE 4449a5i+7ank9co-
T@e Co,1o,a;e Off/0e
A5i+ &ank i-ited:
Corporate O,,ice:
&o-7ay #yeing Mill+ Co-pound:
Pandurang &ud.kar Marg:
(orli: Mu-7ai 2 300 0/?
TelE H0//G /3/? /?/?
/3
AA/- (ank offe,- /;- -e,?/0e- 'a>o,) /n fo<, 1a,;-:
A9 Per+onal
&9 Corporate
C9 NRI
#9 Priority 7anking
A5 Pe,-ona
A5i+ 7ank o,,er+ 6ariou+ +er6ice+ ,or indi6idual do-e+tic cu+to-er+: 4.ic. include+
+er6ice+ like
19 Account+
/9 #epo+it+
>9 oan+
39 Card+
?9 "ore5
@9 In6+t-ent+
A9 In+urance
B9 Pay-ent+
C9 Ot.er +er6ice+
"5 T@e a00o<n;- offe,e+ () aA/- (ank fo, /;- 0<-;o'e,- a,e :
Ea+yAcce++ Sa6ing+ Account
Future Stars Savings Account
Krishi Savings Account
Prime Savings Account
Prime Plus Savings Account
Basic Savings Account
/?
Womens Savings Account (smart privilege account)
Priority 7anking Account
#e-at Account
Senior citi8enI+ Account
#e,ence Salary Account
Tru+tNN<O Sa6ing+ Acoount
In+urance Agent Account
Re+ident "oreign Currency H#o-e+ticG R"CH#G Account
Pen+ion Sa6ing+ &ank Account
!OUt. Account
>2in21 Online In6e+t-ent Account
65 De1o-/;- offe,e+ () AA/- Bank:
a& F/Ae+ De1o-/;-
A5i+ &ank o,,er+ +i-ple rein6e+t-ent "i5ed #epo+it+ Hat 6ery co-petiti6e
intere+t rate+G: 4.ic. can 7e opened 4it. a -ini-u- in6e+t-ent o,
R+ 10:0009 Cu+to-er+ can -ake addition+ to your depo+it in -ultiple+ o,
R+ 1:000 eac.9 T.e tenure o, t.eir depo+it -u+t 7e a -ini-u- o, @ -ont.+9
(& Re0<,,/ng De1o-/;-
Axis Bank's Recurring Deposit scheme will allow you with an opportunity to
build up your savings through regular monthly deposits of fixed sum over a
fixed period of time.
Features
Recurring depo+it+ are accepted in e=ual -ont.ly in+tall-ent+ o, -ini-u-
R+ 1:000 and a7o6e in -ultiple+ o, R+ ?00 t.erea,ter9
T.e ,i5ed nu-7er+ o, in+tall-ent+ ,or 4.ic. a depo+itor can opt are 1/: /3:
>@: >C: 3B: @0: @>: A/: B3: C@: 10B and 1/0 -ont.+9
Tran+,er o, Account+ 2 a recurring depo+it account can 7e tran+,erred ,ro-
one o,,ice o, t.e &ank to anot.er 7ranc.9
T.e a-ount o, in+tall-ent once ,i5ed: cannot 7e c.anged9
In+tall-ent ,or any calendar -ont. i+ to 7e paid on or 7e,ore t.e la+t
4orking day o, t.e -ont.9 (.ere t.ere i+ delay in pay-ent o, in+tall-ent:
one can regulari+e t.e account 7y paying t.e de,aulted in+tall-ent toget.er
/@
4it. a penalty Hat pre+ent it i+ Q PR plu+ 3 J ,or t.e period o,
delayG9"raction o, a -ont. 4ill 7e treated a+ ,ull -ont. ,or t.e purpo+e o,
calculating t.e penalty9
T.e total a-ount repaya7le to a depo+itor: inclu+i6e o, intere+t: depend+ on
t.e a-ount o, -ont.ly in+tall-ent+ and t.e period o, depo+it9
0& En0a-@ 6*
The Encash 24 (Flexi Deposit) gives the liquidity of a Savings Account
coupled with high earnings of a Fixed Deposit. This is achieved by creating a
Fixed Deposit linked to your Savings Account providing you the following
unique facilities:
MaA/'<' Re;<,n-E
Cu+to-erI+ -oney i+ no longer idle9 A+ +oon a+ t.e 7alance in your Sa6ing+
Account cro++e+ o6er R+ /?:000: t.e e5ce++: in -ultiple+ o, R+ 10:000 4ill 7e
tran+,erred auto-atically to a .ig.er intere+t earning "i5ed #epo+it Account9
T.e -aturity o, ,i5ed or ter- depo+it+ ,or-ed a+ a re+ult o, tran+,er o, -oney
,ro- t.e Sa6ing+ &ank account 4ill 7e ,or a -a5i-u- period o, 1B1 day+
and t.e intere+t 4ill 7e calculated on +i-ple intere+t rate 7a+i+9
MaA/'<' L/B</+/;)E
T.e -oney parked in "i5ed #epo+it+ a+ a re+ult o, t.e a7o6e -entioned
+4eep out ,ro- your Sa6ing+ account can 7e ea+ily acce++ed 7y i++uing a
c.e=ue: 4it.dra4ing t.roug. ATM etc9 T.e a-ount 7roken ,or- your "i5ed
#epo+it 4ill earn intere+t rate+ at t.e applica7le rate ,or t.e period t.at t.e
depo+it 4a+ .eld 4it. t.e &ank9 T.e re-aining a-ount o, "i5ed #epo+it 4ill
continue to earn t.e contracted rate o, intere+t9
+& TaA Sa?e, F/Ae+ De1o-/;
In t.e "inance &ill o, /00@: t.e go6ern-ent .ad announced Ta5 7ene,it+ to &ank
Ter- #epo+it+ 4.ic. are o, o6er ? year tenure uN+ B0C o, IT Act: 1C@1 6ide
Noti,ication Nu-7er /0>N/00@ and SO1//0 HEG dated /BN0AN/00@9
T.e +alient point+ o, t.e +c.e-e noti,ication areL HaG "i5ed tenure 4it.out pre-ature
4it.dra4al9 H7G !ear i+ de,ined a+ a ,inancial year9 HcG A-ount li-ited to R+9 100
-ini-u- and R+9 100:000 -a5i-u-9 HdG &ank 4ill i++ue a "i5ed #epo+it Receipt
t.at +.all 7e t.e 7a+i+ o, clai-ing ta5 7ene,it9 HeG Ter- depo+it under t.i+ +c.e-e
cannot 7e pledged to +ecure a loan9
.5 Loan- Offe,e+ () AA/- :
)o-e oan
Car loan
Per+onal oan
oan again+t S.are+
oan Again+t Property
oan Again+t Securitie+
/A
oan again+t <old
Education oan
*5 Ca,+- Offe,e+ B) AA/- (ank
C,e+/; Ca,+-
Platinu- Ad6antage Credit Card
Platinu- Credit Card
<old credit card
Sil6er credit card
Corporate Credit Card
Tru+t c.e-i+t+ credit card
S.rira- credit card
eS.op card
Ea+y credit card
De(/; Ca,+-
Priority Platinu- C.ip #e7it Card
Priority #e7it Card
Cla++ic #e7it Card
<old #e7it Card
<old Plu+ #e7it Card
&u+ine++ <old #e7it Card
P,e1a/+ Ca,+-
Tra6el Currency Card
Payroll Card
Corporate <i,t Card
<i,t Card
Re4ard+ Card
Re-ittance Card
Meal Card
Annuity Card
/B
25 Fo,eA offe,e+ () AA/- (ank
T,a?e C<,,en0) Ca,+-
T.e Tra6el Currency Card gi6e+ it+ cu+to-er+ a /32.our acce++ to -oney9
(it.dra4 ,und+ in t.e local currency ,ro- any Vi+a or Vi+a Plu+ ATMD+
HAuto-ated Teller Mac.ineG a+ 4ell a+ pay ,or all your purc.a+e+ in any
country you 6i+it: any4.ere in t.e 4orld9
O<;Ca,+ Re'/;;an0e-
A5i+ &ank o,,er+ Out4ard Re-ittance ,acilitie+ ena7ling it+ cu+to-er+ to
re-it -oney a7road t.roug. relia7le and =uick tran+action+9
T.ey can +end -oney a7road ,or rea+on+ -ore t.an oneE education: -edical
purpo+e: gi,ting: -aintenance ,or lo6ed one+ or donation ,or a cau+e9
Fo,e/gn C<,,en0) T,a?ee,- C@eB<e-
A-erican E5pre++ Tra6elerD+ c.e=ue+ are 4idely accepted glo7ally a+ a -ode
o, pay-ent in -any part+ o, t.e 4orld9 It i+ al4ay+ 4ort.4.ile taking +o-e
o, your ,oreign e5c.ange in tra6eler+D c.e=ue+ a+ it i+ a great 7ackup to ca+.
and card+9
Fo,e/gn C<,,en0) Ca-@
Carrying +-all a-ount o, local currency or internationally accepta7le
currency 6ariant+ in 4allet 4.ile tra6elling o6er+ea+ i+ rea++uring and
con6enient 2 e+pecially to -ake pay-ent+ ,or t.e +er6ice+ you -ay re=uire on
your arri6al at t.e de+tination
In+/a T,a?e Ca,+
Sen+ Mone) ;o In+/a
/C
35 In?e-;'en; Se,?/0e- offe,e+ () AA/- (ank
<old Mo.ur+
Sil6er Mo.ur+
Mutual "und+
Online trading
IPOS-art
#e-at Account
BJ Sa6ing &ond+
45 In-<,an0e Se,?/0e- offe,e+:
i,e In+urance
)o-e In+urance
Motor In+urance
)ealt. In+urance
Tra6el In+urance
&u+ine++ <uard
#5 Pa)'en;- -e,?/0e- offe,e+ () AA/-:
B/ Pa)
>0
A5i+ &ankD+ &ill Pay +er6ice ena7le+ you to -ake +ecure pay-ent+ ,ro- t.e
co-,ort o, your .o-e or o,,ice9 So it+ ti-e to +ay good7ye to late pay-ent
,ine+: long =ueue+: lo+t 7ill+: and co--i++ion+ paid to local errand 7oy+9
ECS
It i+ an electronic clearing +y+te- t.at ,acilitate+ paperle++ credit N de7it
tran+action directly linked to your account and al+o pro6ide+ ,or a ,a+ter
-et.od o, e,,ecting periodic and repetiti6e pay-ent+9
T.roug. ECS H#e7itG: you can pay all your Utility 7ill+
HelectricityNtelep.oneNMo7ile 7ill+: credit card+: etcG: Mutual "und HSIPG:
In+urance Pre-iu-: oan In+tall-ent+: credit card pay-ent+: pay-ent+ o,
donation+ and ot.er 7ill pay-ent+9
TaA ePa)'en;-
In t.i+ +er6ice: Inco-e N Ot.er #irect Ta5e+: a+ 4ell a+ Central E5ci+e $
Ser6ice Ta5R t.roug. iConnect can 7e paid ,ro- account online and can get
on2line ackno4ledge-ent o, t.e pay-ent 7y 4ay o, a Cy7er Receipt:
including C.allan Identi,ication Nu-7er HCING i--ediately a,ter -aking t.e
pay-ent9
D/,e0; ;aA Pa)'en;
T.e &ank i+ aut.ori8ed ,or Collection o, Inco-e or Ot.er #irect Ta5e+ on
7e.al, o, Central &oard o, #irect Ta5e+ HC&#TG 49e9, 1 Octo7er: /00>9
Pen-/on D/-(<,-e'en;
T.e &ank i+ aut.ori8ed 7y R&I and Mini+try o, #e,en+e ,or di+7ur+e-ent o,
Pen+ion to Ar-ed "orce HAr-y: Na6y and Air "orceG per+onnel t.roug. it+
1?1 aut.ori8ed 7ranc.e+ acro++ t.e country9
O;@e, -e,?/0e- offe,e+ () aA/- Bank ;o /;- /n+/?/+<a 0<-;o'e,- a,e:
MOBILE REFILL : RECHARGE AT THE ATM
An indi6idual can rec.arge .i+ -o7ile talk ti-e at any o, our ATM+9 )e
doe+nIt e6en .a6e to 7e an A5i+ &ank cu+to-er9 All .i+ need i+ a VISA de7it
>1
or credit card9 I, .e i+ an A5i+ &ank cu+to-er: t.en .e can al+o u+e .i+ A5i+
&ank de7it card H7ot. VISA a+ 4ell a+ Ma+ter cardG9
LOCKER HUn-atc.ed protection ,or your 6alua7le+G
A Safe Deposit Liker with Axis Bank is the solution to an individuals
concern. Located at select branches in cities all over the country, our lockers
ensure the safe keeping of an individuals valuables.
A+?an;age-
(ide A6aila7ilityE A+ on Marc. >1: /010 locker+ are a6aila7le at C33
7ranc.e+ and e5ten+ion counter+9
ocker+ a6aila7le in 6ariou+ +i8e+9
#irect de7it+ ,or locker rental+ ,ro- your account rid you o, t.e .a++le in
4riting out c.e=ue+9
E5tended 7anking .our+ to operate locker+9
Co-petiti6e rental+9
ONLINE SHOPPING HSa,e and Secure internet Pay-entG
A5i+ &ank o,,er+ an indi6idual t.e con6enience o, +.opping at -any -ajor Online
+tore+ ,ro- t.e co-,ort o, .i+ .o-e or o,,ice9 All .e need i+ an Internet ena7led PC9
)e can c.oo+e $ t.en get .e ite-+ deli6ered at .i+ door+tep9 )e can al+o a6ail o,
nu-erou+ online +er6ice+: get to kno4 a7out t.e current +pecial o,,er+Ndi+count+ and
get a pre6ie4 o, t.e ne4 ite-+ added on to t.e +.el6e+ 7y t.e+e online
retailer+N+er6ice pro6ider+9 )e can +.op a+ -uc. a+ .e like and con6eniently -ake
in+tant pay-ent+ 7y de7iting .i+ account t.roug. t.e +ecured pay-ent c.annel:
iConnect O Our Internet 7anking plat,or-9
IPOSMART HNo4 in6e+t in IPOI+ 4it.out letting go o, your ,und+ SG
An indi6idualI+ A5i+ &ank +a6ing+ account no4 -ake+ IPO application a +ea-le++
and .a++le2,ree proce++9 In+tead o, -o6ing out ,und+ ,ro- .i+ account ,or application
to an IPO: t.e a-ount can no4 +i-ply 7e 7locked9 (.ic. -ean+ a+ long a+ t.e IPO
+.are+ are not allotted: t.e ,und+ +tay 4it. .i- and .e al+o gain intere+t on t.e-: Plu+
>/
.e get t.e +ecurity o, .a6ing t.e re,und+ directly un7locked and -ade a6aila7le to
you: in .i+ account it+el,S
T.e a7o6e +er6ice i+ 7eing -ade a6aila7le in accordance 4it. t.e SE&I guideline+ on
AS&A HApplication+ Supported 7y &locked A-ountG9
Benef/;-
Intere+t on ,und+ 4.ic. ot.er4i+e 4ould .a6e -o6ed out o, your +a6ing+
account9
No need to 4rite c.e=ue+ or -ake de-and dra,t+9
Con6enient and tran+parent -anage-ent o, ,und+9
In+tant relea+e N un7locking o, ,und+ a,ter allot-ent N non2 allot-ent o,
+.are+9
EDS;a;e'en;
A5i+ &ank o,,er+ t.e ,acility o, E2State-ent9 E2State-ent are +ecure and electronic
4ay to recei6e +tate-ent o, account+ ,ro- t.e &ank9
>>
B5 AA/- (ank offe,- Co,1o,a;e -e,?/0e-, /ke:
"5 EA0<-/?e Bank/ng Re+ef/ne+ D C<(2$ C<,,en; A00o<n;
At a .al, yearly a6erage 7alance o, R+9 ?0 lac+ HR+9 /? lac+ at Se-i 2 Ur7an N
Rural 7ranc.e+G: t.i+ pre-iu- current account +-oot.ly ,ul,ill+ your daily
7anking re=uire-ent9
Main "eature+E
#edicate relation+.ip -anager
i,e+tyle 7ene,it+N pri6ilege+
"ree door+tep 7anking
"ree RT<S N NE"T "acility
Ca+. Manage-ent Ser6ice+
"ree International &u+ine++ <old #e7it Card
65 8a,/o<- ;)1e- of C<,,en; A00o<n;- ;o -</; e?e,) (<-/ne--
,eB</,e'en;- like E
T.e &ank+ o,,er+ a range o, current account product+ to -eet t.e need+
o, t.e 6ariou+ cu+to-er +eg-ent+ +uc. a+ S-all Enterpri+e+: Trade:
E5proer+: Corporate and intuition+9
Nor-al Current Account
&u+ine++ Ad6antage Account
&u+ine++ Select Account
&u+ine++ Cla++ic Account
&u+ine++ Pri6ilege Account
C.annel One Account
Current Account ,or <o6t Organi+ation+
Current Account ,or &ank+
Current Account ,or &uilder+ $ Real E+tate
>3
Capital Market Current Account
'ri+.i Current Account
&u+ine++ <lo7al Current Account
Clu7 ?0 Current Account
Inland Road Tran+port Current Account
Tra6el: Touri+- and )o+pitality Current Account
ocal Current Account Current Account ,or P.ar-a
Current Account ,or C.artered Accountant+
T.e+e product+ o,,er ,le5i7ility to cu+to-er+ to c.oo+e ,ro- t.e a7o6e option
4it. 6arying -ini-u- a6erage =uarterly 7alance co--it-ent+ and c.arge+
+tructure9 In addition to con6entional 7anking ,acilitie+: t.e+e account+ o,,er
Multi2City at Par paya7le c.e=ue O 7ook ,acility and any4.ere 7anking ,acility
acro++ o,,er Multi O city At Par paya7le c.e=ue O 7ook ,acility and any 4.ere
7anking ,acility acro++ 7rac.e+9 Cu+to-er+ can acce++ t.eir account Online
t.roug. Corporate iConnect: A5i+ &ankI+ Internet 7anking plat,or- a+ al+o
t.roug. Tele2&anking ,acility and can recei6e account 7alance in,or-ation on
-o7ile telep.one+ and electronic -ail9 Cu+to-er+ are +u7ject to tran+action
c.arge+ including c.arge+ ,or non2-aintenance o, t.e co--itted 7alance+9
A5i+ &ank 7ring+ di,,erent kind+ o, current account+ ,or di,,erent type+ o,
7u+ine++e+ +elect t.e one t.at 7e+t +uit+ an indi6idualI+ 7u+ine++ re=uire-ent+9
A5i+ &ankI+ Current Account ca-e e=uipped 4it. t.e ,ollo4ing ,eature+ to
gi6e -a5i-u- 6alue ,or an indi6idualI+ -oney9
Fea;<,e-
An)C@e,e Bank/ng
A5i+ &ankI+ Current Account allo4+ an indi6idual to 7ank ,ro- all A5i+
&ankI+ 7ranc.e+ and E5ten+ion counter+9 An indi6idual can depo+it ca+.:
4it.dra4 ca+.: depo+it c.e=ue: and i++ue Kat2parI c.e=ue+ at any o, A5i+
&ankI+ 7ranc.e+9 So 7ank at an indi6idualI+ o4n Con6enience9
>?
In-;an; F<n+ T,an-fe,
An indi6idual can tran+,er ,und+ in+tantly 7et4een any o, A5i+ &ankI+
7ranc.e+9 "und+ tran+,er+ can 7e a,,ected online: rig.t ,ro- an indi6idualI+
t.roug. A5i+ &ankI+ internet 7anking +er6ice+9
In;e,ne; Bank/ng
A5i+ &ank pre+ent+ corporate iConnect O a uni=ue net &anking plat,or- ,or t.e
current account cu+to-er+9 A6aila7le 4it. -ultiply u+er I#+: depending on an
indi6idualI+ need+9 Acce++ an indi6idualI+ account at any ti-e ,or- any4.ere9
An indi6idual can tran+,er ,und+ to .i+ o4n account+ or to t.ird party account+
4it.in A5i+ &ank $ Inter &ank co6ering o6er /?:000 7ranc.e+ o, 6ariou+
7ank+9 Corporate iConnect al+o per-it+ tran+action initiation 7y one u+er and
appro6al 7y anot.er9 An indi6idual can al+o e5cu+e 7ulk pay-ent+ like +alary
and co--i++ion acro++ A5i+ &ank net4ork rig.t ,or- .i+ de+ktop9
A;DPa, !M<;/0/;)& C@eB<e(ook
Enjoy t.e 7ene,it+ o, Multicity C.e=ue7ook 4it. A5i+ &ankI+ current
Account+9 An indi6idual can+ i++ue c.e=ue+ paya7le at par at all A5i+ &ankI+
7ranc.e+ acro++ t.e country9 An indi6idualI+ c.e=ue+ 4ill 7e treated a+ local
c.e=ue+ at -ore t.an >A? location+ a+ on ;anuary >1: /00B9
ATM o, De(/; Ca,+
(it. e6ery Current Account H"or proprietary and partner+.ip concern+G: An
indi6idual can a6ail upto / ATM cu- #e7it card+: 4.ic. allo4 an indi6idual
round t.e clock acce++ to .i+ account ,ro- any o, all A5i+ &ankI+ ATM+ all
o6er t.e country9 An indi6idual can 4it.dra4 upto R+ 30:000 a day9
F,ee Mon;@) A00o<n; S;a;e'en;
&y courier and daily on e-ail9
>@

Mo(/e Bank/ng
Mo7ile &anking 4ill ena7le an indi6idual to 7ank 4it. A5i+ &ank t.roug. .i+
-o7ile p.one irre+pecti6e o, 4.ere an indi6idual are9
"a+t track loan+ ,or SME+
(ide range o, product+ ,or t.e SME +eg-ent
Organi+ed pay-ent and collection +olution+
Online ta5 pay-ent or t.roug. 6a+t 7ranc. net4ork
Mo7ile &anking +er6ice+ a6aila7le ,or Current Account
.5 C,e+/; Se,?/0e- () AA/- (ank:
To large Corporate+
To Agri &u+ine++E
"or SME unite+
Micro,inance
*5 Be-/+e- ;@e-e -e,?/0e-, AA/- (ank 1,o?/+e- -e,?/0e- /n ;@e a,ea- /ke:
Capital Market
Trea+ury
Ca+. -anage-ent +er6ice+
<o6t9 7u+ine++
>A
C5 NonDRe-/+en; !EA;e,na& NRE Sa?/ng A00o<n;
Any per+on re+ident out+ide India -ay open NRE account9 T.i+ account
per-it+ a NRI to .old and -aintain ,oreign currency earning+ in Indian rupee+9
T.e Principal and intere+t earned on t.e+e 7alance+ are ,reely reporta7le9
(.et.er an indi6idual are a +tudent: a pro,e++ional: a +alaried e-ployee or an
entrepreneur: t.i+ account 4ill -eet all an indi6idualI+ 7anking need9
Fea;<,e-
o4 -ini-u- 7alance re=uire-ent o, R+ ?:000
KMulticityI c.e=ue 7ook 4.ic. 4ill per-it An indi6idual to -ake
pay-ent 6ia c.e=ue acro++ -ultiple location+
Mandate or Po4er o, Attorney ,acility a6aila7le +o t.at in An
indi6idualI+ a7+ence ,ro- t.e country An indi6idual can aut.ori8e .i+
relati6e or ,riend to operate conduct 7anking tran+action+ on .i+ 7e.al,9
"ree iConnectE /3 % A account acce++ t.roug. +ecure internet 7anking
,acility ,ro- any4.ere and anyti-e9
Online +.opping -all and utility 7ill pay-ent ,acility 7e u+ing A5i+
&ankI+ Internet 7a+ed iConnect 7anking login9
"ree per+onal accident co6er o, Indian Rupee+ /:00:000 on A5i+ &ankI+
#e7it Card HT.e in+urance co6er 4ill co-e in ,orce only a,ter An
indi6idual -ake .i+ ,ir+t +ucce++,ul pay-ent tran+action at any
-erc.ant e+ta7li+.-ent9GR
Ta5 Ad6i+ory Ser6ice+ ,ro- A5i+ &ankI+ e-panelled con+ultant+
A++i+tance to o7tain Inco-e Ta5 PAN Card+ to -ake an indi6idual
co-pliant 4it. t.e ta5 regulation+ o, t.e nati6e land+9
>B
D5 P,/o,/;) Bank/ng E Re-/+en;
In a +eg-entation +tudy undertaken in /00/: it 4a+ ,ound t.at /9A/ J o, A5i+
&ankI+ retail cu+to-er+ contri7ute to nearly 3C90?J o, A5i+ &ankI+ total retail
depo+it+9 T.e client+ t.at 7ring a larger +.are o, 7u+ine++ to t.e &ank e5pect a
di,,erentiated +tandard o, +er6ice9 T.i+ al+o -ake+ 7u+ine++ +en+e: a+ -ore
o,ten t.an not: -o+t o, t.e 7u+ine++ in a particular 7ranc. ,lo4+ ,ro- a .and,ul
o, client+9 )ence: Priority &anking 4a+ launc.ed in order to cater to t.e need+
o, t.e .ig. net 4ort. cu+to-er+ 4it.in t.e 7ank9
T.e product .a+ at it+ core: t.e idea o, pro6iding a certain 7it o, di,,erentiation
in +er6ice and treat-ent to a +eg-ent o, it+ cu+to-er+ 4it. a 6ie4 to4ard+
cu+to-er retention: ac=ui+ition and cro++ +elling9
T.e nucleu+ o, t.e+e +er6ice+ .a+ e++entially ,our i-portant co-ponent+
Per+onali8ed +er6ice
In6e+t-ent ad6i+ory Ser6ice+
Pre,ential pricing o, 7anking product+N+er6ice+
i,e+tyle pri6ilege+9
Mo+t o, &ank+: pri6ate a+ 4ell a+ ,oreign: o,,er a +peciali8ed 7anking +er6ice
to t.eir elite cu+to-er+9 T.e de,inition o, t.e 6alue o, relation+.ip and +er6ice+
o,,ered di,,er+ acro++ 7ank+9 In general: MNC 7ank+ de,ine t.e )NI +eg-ent
taking into account t.e cu+to-er+I lia7ility a+ 4ell a+: a++ail relation+.ip 4it.
t.e 7ank H&et4een /02>0 ak.+ and a7o6eG 4.erea+ t.e Indian pri6ate 7ank+
only take in t.e +a6ing+ 7ank 7alance+ and ter- depo+it+ H&et4een ?210 ak.+
and a7o6eG9
>C
Fea;<,e-
Priority &anking ounge E
A+ a Priority 7anking cu+to-er an indi6idual 4ill .a6e acce++ to an e5clu+i6e
KPriority &anking oungeI at 7ranc.e+9 T.i+ 4ill allo4 an indi6idual to
conduct .i+ ,inancial tran+action+ in ut-o+t co-,ort and con,identiality
t.roug. an e5clu+i6e Relation+.ip Manager9
#edicated Relation+.ip Manager
An indi6idual 4ill enjoy acce++ to a dedicated Relation+.ip Manager 4.o 4ill
7e .i+ one point contact at 7ranc. ,or all An .i+ 7anking tran+action+ t.u+
en+uring t.at An indi6idual 4ould neit.er .a6e to -o6e ,ro- one counter to
t.e ot.er nor +tand in =ueue+ to a4ait .i+ turn9
)o-e &anking
E5perience t.e con6enience o, A5i+ &ankI+ .o-e 7anking ,acilitie+9 A6ail o,
,ree ca+. and c.e=ue pick2up deli6ery at an indi6idualI+ or re+idence9
E5clu+i6e Priority &anking International #e7it card
T.i+ card allo4+ an indi6idual ,ree acce++ to all VISA ATM+ in Idea9 T.e card
al+o co-e+ 4it. .ig.er ATM 4it.dra4al li-it+L .ig.er POS tran+action li-it+
at -erc.ant e+ta7li+.-ent+: en.anced in+urance o6er and a .o+t o, +pecial
di+count+ and o,,er+9 An indi6idual al+o get Pre,ential Intere+t Rate+ and
lo4ered Proce++ing "ee+ on +elect Retail oan+9
In6e+t-ent Pri6ilege+
A6ail o, a++i+tance in ,inancial planning9 In6e+t-ent ad6ice -arket
in,or-ation report+ and in6itation+ to in6e+tor -eet+ are o,,ered
co-pli-entary to an indi6idual9
i,e+tyle pri6ilege+
)o4e6er: itI+ all a7out ju+t ,inancial +erie+9 (e ai- to pro6ide a di,,erent
li,e+tyle e5perience t.roug. i,e+tyle pri6ilege+ like e5clu+i6e in6itation+ to
-o6ie +creening+: play+: -u+ic concern+ and ot.er +pecial e6ent+ +pon+ored 7y
A5i+ &ank: e+pecially ,or A5i+ &ankI+ Priority &anking Cu+to-er+9
30
O;@e, SER8ICES:
ATM
T.e 7ank .a+ 10:>@> ATM+ a+ on >1 #ece-7er /01/9 T.i+ include+ all A5i+
&ankI+ on+ite and o,,2+ite ATM+9 All A5i+ &ankI+ ATM+ are connected to
A5i+ &ankI+ &a+e /3 ATM +4itc.: 4.ic. in turn interact+ 4it. A5i+ &ankI+
centrali8ed core 7anking +o,t4are ,or tran+action proce++ing9
T.e &ank t.roug. it+ ATM+ o,,er+ t.e ,ollo4ing +er6ice+
Bank/ng Se,?/0e-:
Ca+. (it.dra4al: 4it. real ti-e de7it to cu+to-erI+ account
Ca+. $ C.e=ue+ #epo+it
&alance In=uiry
PIN C.arge
O;@e, Se,?/0e-:
Mo7ile Airti-e Re,ill ,or )utc.: Airtel: Idea: &P: Cellular: RIM: Tata
Tele
"acility ,or Non UTI 7ank VISA card .older+ to re,ill t.eir prepaid
p.one+9
i,e In+urance Corporation Pre-iu- Pay-ent
&ill Pay-ent e9g9E &SN: MTN
"und+ Tran+,er H4it.in o4n account+G
Online #onation+ to Tru+t+ $ N<O+
Purc.a+e and rede-ption o, UTI Mutual "und Sc.e-e+ t.roug. t.e
ATM
31
Strategic Tie-ups for ATM
T.ey .a6e al+o tied up 4it. (e+tern Rail4ay HMu-7aiG: Central Rail4ay+
HMu-7aiG Pantaloon+: )PC: and &PC ,or +etting up ATM+ at t.eir
location+9
Al-o+t all co+t+ related to +etting up and -aintenance o, an ATM net4ork i+
,i5ed9 T.u+: t.e c.allenge ,or t.e &ank .a+ 7een to -igrate cu+to-er+ to t.i+
c.annel and de6elop ne4 +trea-+ o, re6enue+ ,ro- t.i+ c.annel: in order to
-ake t.e c.annel 6ia7le9 T.e &ank .a+ ac.ie6ed tre-endou+ +ucce++ in t.i+
regard9 (e .a6e 7een a7le to -igrate a7out C0J o, all ca+. di+7ur+e-ent
tran+action+ to A5i+ &ankI+ ATM+9
To gene,a;e +/,e0; ,e?en<e f,o' ;@e ATM C@anne, ;@e (ank @a- a+o1;e+
6 -;,a;eg/e-:
ATM S.aring 4it. ot.er 7ank+
Ne4 ,unctionalitie+ +uc. a+ -o7ile airti-e re,ill: 7ill pay-ent $ -utual
,und +ale+ t.roug. 4.ic. A5i+ &ankI+ 7ank earn+ a co--i++ion9
T.e &ank .a+ al+o +et up ATM gallerie+ at > location9 Eac. o, t.e <allery .a+
/ ATM+ ,or t.e con6enience o, t.e cu+to-er+: in,or-ation kio+k: a card
operated touc.2+creen internet kio+k: t.oug. 4.ic. t.e cu+to-er+ can acce++
t.eir iConnect account+ 4it. 7ank and per,or- t.eir 7anking tran+action+ +uc.
a+ ,und+ tran+,er: 7ill pay-ent: 7alance in=uiry: etc9 A 7ill pay-ent kio+k .a+
al+o 7een +et up at t.i+ gallery9
T.e ATM C.annel ,or t.e 7ank .a+ 7een a -ajor cu+to-er ac=ui+ition tool:
increa+ingly t.e c.annel i+ 7eing +een a+ a cu+to-er +er6icing tool and all t.e
ne4 6alue added +er6ice+ are part o, t.at initiati6e9
3/
INTERNET BANKING
Since April /000: t.e Internet &anking c.annel .a+ gro4n ,a+t to co- pel-et
t.e 7ranc. and ATM net4ork9 A+ o, Marc. /00@: t.ere are around /0 lak.
u+er+ o, internet 7anking: 4.ic. a-ount+ to -ore t.an ?0J o, A5i+ &ankI+
retail 7anking +a6ing+ account+ cu+to-er+9 Apart ,ro- routine ,unctional like
7alance and tran+action+ lookup: 4e al+o pro6ide a nu-7er o, 6alue O added
+er6ice+ on t.e internet 7anking plat,or-9 A 7ride de+cription o, eac. product
i+ gi6en 7elo4E
B/ Pa)'en;
T.e 7ill pay-ent +erie+ on t.e internet can 7e cla++i,ied into t.ree categorie+E
P,e-en;'en; of EBPP !Ee0;,on/0 B/ P,e-en;'en; an+ Pa)'en;&5D
Under t.i+ type o, 7ill pay-ent: t.e cu+to-er need+ to regi+ter ,or eac.
7ill9 Once regi+tered: t.e 7iller 4ill +ent an electronic 6er+ion o, t.e 7ill
,or acceptance and pay-ent9
D/,e0; Pa)'en;5 2 Under t.i+ type o, 7ill pay-ent: no 7ill pre+ent-ent
.appen+9 T.e cu+to-er i+ ,ree to +elect t.e 7iller and pay accordingly to
.i+ con6enience9
Pa)ee: T.i+ a 6ariation o, direct pay-ent -et.od 4it. t.e cu+to-er
creating .i+ o4n 7iller ,or e5a-ple: pay-ent o, rent to landlord9 T.e
landlordI+ account detail+ 4ould typically 7e entered and pay-ent
-ade on a recurring 7a+i+9
S@o11/ng
A cu+to-er 4it. Internet 7anking acce++ can 7uy ,ro- -erc.ant+ regi+tered
4it. u+ and pay t.roug. t.e direct de7it ,acility on A5i+ &ankI+ 4e7+ite9
3>
MOBILE BANKING
Mo7ile 7anking 4a+ launc.ed 7y t.e 7ank in Octo7er /003: 4it.in t.e la+t one
and a .al, yearL t.e cu+to-er 7a+e .a+ gro4n to o6er ,i6e lac+ +u7+cri7er+ a+ o,
April /00@9
A5i+ &ank O,,er+ t.e Auto-atic Alert+ +er6ice in -o7ile 7ankingE
A +u7+cri7er i+ alerted t.roug. SMS on t.e acti6itie+ in .i+ account 4it.
auto-atic alert+ ,or e6ery de7it in .i+ account o, -ore t.an R+9 ?:0009 Al+o i,
t.e cu+to-er i+ regi+tered ,or 7ill pay-ent+: .e recei6e+ an alert a+ +oon a+ a
7ill i+ pre+ented 7y t.e 7iller ,or pay-ent9
Benef/;-
Safe;): &e alerted on any tran+action a7o6e R+9 ?:000 in an indi6idualI+
account +o t.at action can 7e initiated pro-ptly in ca+e o, any -i+u+e o, t.e
account9
Con?en/en0e: 'no4 t.e +tatu+ o, t.e account ,ro- 4.ere6er an indi6idual
are9
33
SER8ICES ADDED TO GAIN COMPETETI8E AD8ANTAGE:
BUSINESS CONTINUITY CENTRE:
UTI &ank 4a+ t.e ,ir+t 7ank in t.e country to +et up a &u+ine++ Continuity Centre
H&CCG in &angalore 4.ic. replicate+ t.e entire centrali8ed data7a+e 4it. a 6ie4 to
ena7le t.e &ank to run +-oot.ly in ca+e o, any e6entuality a,,ecting t.e &ankI+ #ata
Centre in Mu-7ai9 Eac. tran+action t.at get+ recorded at t.e #ata Centre get+
re,lected al-o+t in+tantaneou+ly
t.roug. (AN on t.e 7ack2up data7a+e at t.e &CC9
CENTRALISED PHONE BANKING CENTRE
T.e &ankI+ Centrali8ed P.one &anking Centre pro6ide+ cu+to-er+ acro++ t.e
country acce++ to t.e &ank o6er t.e p.one: .andling -ultiple =uerie+ in a7out A000
call+ per day9
CENTRALISED COLLECTION AND PAYMENT HUB
T.e &ankI+ Centrali8ed Collection and Pay-ent )u7 HCCP)G -anage+ t.e entire
collection and pay-ent acti6ity under t.e &ankI+ Ca+. Manage-ent Ser6ice+ HCMSG
acro++ t.e country: .andling on an a6erage a7out R+9?000 crore+ per -ont. on t.e
collection ,ront and a7out R+91?00 crore+ per -ont. on t.e pay-ent ,ront9
RETAIL ASSETS MANAGEMENT GROUP
T.e &ankI+ Retail A++et+ Manage-ent <roup HRAM<G i+ t.e operation+ .u7 o, t.e
entire Retail a++et di+tri7ution +tructure9 In addition to opening and di+7ur+ing -ore
t.an >000 +c.e-atic loan+ e6ery -ont.: it i+ re+pon+i7le ,or t.e -aintenance o, -ore
t.an 100:000 +uc. loan account+: and .andle+ t.e entire po+t O dated c.e=ue
pre+entation and +e6eral kind+ o, repay-ent+ ,or all t.e+e account+9
ATM BACKEND CELL
T.e ATM &ackend Cell .andle+ t.e entire ca+. -anage-ent and reconciliation o,
7alance+ pertaining to ATM+ acro++ t.e country and end+ up tallying o6er ,our lak.
tran+action+ 7y t.e end o, t.e day9
3?
SER8ICE BRANCHES
T.e &ankI+ Ser6ice &ranc.e+ in t.e B -ajor -etro+ take care o, centrali8ed clearing
acti6ity: .andling -ore t.an one lak. c.e=ue+ e6ery day ,or out4ard and in4ard
clearing9
DATA CENTRE
T.e &ankI+ #ata Centre in Mu-7ai: t.e centrali8ed IT po4er.ou+e i+ like t.e central
ner6ou+ +y+te- o, t.e &ank9 It i+ a real ti-e /35A +etup: 4.ic. -anage+ /A0
product+ and +er6ice+ o, t.e 7ank 4it. a data7a+e +i8e o, 1B?0 <& +upporting on an
a6erage 3/ lak. tran+action+ per day: to +er6ice o6er 3/ lak. cu+to-er account+ and
adding ne4 cu+to-er+ Q B000 per day9
CENTRALISED PROCESSING UNIT
T.e &ankI+ Centrali+ed Proce++ing Unit HCPUG i+ t.e 7ack7one o, t.e &ank:
-anaging production and deli6ery o, t.e entire range o, deli6era7le+ to cu+to-er+
acro++ t.e country 4it.in /3 O A/ .our+ ,ro- t.e ti-e t.e cu+to-er open+ t.e
account9 T.e CPU currently .andle+ a7out B?00 ne4 account+ e6ery day9
3@
RESEARCH METHODOLOGY
3A
.5 RESEARCH METHEDOLOGY
.5" TITLE OF STUDY
.56 DURATION OF PROFECT
S.ort ter- project9
.5. OBFECTI8ES OF STUDY
&anking and ,inance can 7e called a+ t.e ner6e+ o, any econo-ic +y+te- a+
t.ey accelerate t.e proce++ o, econo-ic de6elop-ent t.roug. canali8ation o,
ade=uate ,inace9 It i+ .ard to anticipate de6elop-ent o, e,,icient 7anking
+er6ice+ in t.e country9 No dou7t ,inancial in+titution+ play +o i-portant in
econo-ic de6elop-ent 7ut at t.e +o-e ti-e econo-ic de6elop-ent
deter-ine+ t.e gro4t. and de6elop-ent o, 7anking in+titution+ t.e role o,
6ariou+ kind o, 7anking in+titution9 In econo-ic de6elop-ent need not 7e
e-p.a+i8ed9
Main o7jecti6e o, t.e +tudy i+ to Critical apprai+al o, product $ +er6ice+
o,,ered 7y a5i+ 7ank9* So-e o, t.e -ajor o7jecti6e+ o, t.e +tudy include t.e
deter-ination o, t.e ,ollo4ingE
Con+u-er a4arene++ a7out t.e product+ and +er6ice+ pro6ided 7y t.e
a5i+ 7ank9
Con+u-er pre,erence a7out 6ariou+ product+ and +er6ice+9
Cu+to-erI+ perception to4ard+ pri6ate &anking and t.eir e5pectation+
,ro- pri6ate 7ank+9
Cu+to-er +ati+,action 4it. t.e +er6ice pro6ided 7y t.e 7ank9
#ra4 out 4it. conclu+ion+ and +ugge+tion 7a+ed on t.e analy+i+ and t.e
interpretation o, data9
3B
.5* TYPE OF RESEARCH
Re+earc. i+ one o, t.e -o+t i-portant part+ o, any +tudy and pertain+ to t.e
collection o, in,or-ation and kno4ledge9 Marketing re+earc. i+ de,ined a+ t.e
+y+te-atic de+ign: collection: analy+i+: and reporting o, data and ,inding+
rele6ant to a +peci,ic -arketing +ituation ,acing t.e co-pany9 My project .a+
7een de6eloped on .a+ 7a+i+ o, 7ot. eA1o,a;o,) and +e-0,/1;/?e re+earc.9
T.e re+earc. proce++ depend+ upon de6eloping t.e -o+t e,,icient plan ,or
gat.ering t.e needed in,or-ation9 #e+igning a re+earc. plan call+ ,ro deci+ion+
on t.e data +ource+: re+earc. approac.e+: re+earc. in+tru-ent+: +a-pling paln:
and contact -et.od+9
.52 SAMPLE SI7E AND METHOD OF SELECTING
SAMPLE
I c.o+e a +a-ple +i8e o, 30 re+pondent+ con+i+ting o, 7a+ed on judg-ent
+a-pling All re+pondent+ 4ere t.e cu+to-er+ o, A5i+ &ank9 T.e -et.od 4a+
+i-ple rando- +a-pling9
Da;a So<,0e
"or t.i+ project 7ot. pri-ary and +econdary data 4ere 6alua7le +ource+ o,
in,or-ation9
Se0on+a,) +a;a
Secondary data pro6ide+ a +tarting point ,or any re+earc. and o,,er+ 6alua7le
+ource+ o, already e5i+ting in,or-ation9 Secondary data are t.e ea+ie+t to
gat.er and t.e co+t o, collecting t.i+ data i+ al+o 6ery lo49 "or -y project
4ork it 4a+ collected t.roug. t.e .elp o, 6ariou+ directorie+ o, 6ariou+
a++ociation+: -aga8ine+: ne4+paper+: 4e7+ite+ etc9 T.e directorie+ .elped -e
in +.ort li+itng people: ,or -y target people9
3C
So-e o, t.e directorie+ -ade u+e o, are a+ ,ollo4+E
Telep.one directory
Inco-e ta5 o,,ice
City directory
C.artered accountant directory
Carpet indu+trie+ directory
Indian -edical a++ociation directory
Tran+porter directory
a4yer+ directory
&uilder+ $ con+tructor+ directorie+
P,/'a,) +a;a
Pri-ary data are data ,re+.ly gat.ered ,or a +peci,ic purpo+e9 "or -y project
4ork t.e pri-ary data 4a+ collected 7y -ean+ o, +ur6ey t.oug.
=ue+tionnaire+9
Con;a0; 'e;@o+-
Once t.e client .ad 7een decided no4 -y ta+k 4a+ .o4 to contact t.e-: and
,or -e t.ere only t4o 4ay+ o, contacting t.e-9
19 Pe,-ona /n;e,?/eC:D t.i+ -et.od 4a+ t.e -o+t appropriate 4ay
o, +ur6ey: 7ecau+e 7y per+onal inter6ie4 I ca-e to kno4 a7out
t.eir ,eeling ,or A5i+ &ank9
/9 Tee1@one:D T.i+ -et.od 4a+ al+o u+ed 7y -e once or t4ice:
keeping in -ind t.e 7u+y +c.edule o, a ,e4 re+pondent+9
.53 SCOPE OF STUDY
A5i+ &ank i+ one o, t.e -o+t ,a-ou+ 7ank+ in India9 T.e 6ariou+ product+ and
+er6ice+ o,,ered 7y it includeE
PRODUCT
#epo+it+ HSa6ing account and current accountG
?0
oan+
Card
SER8ICES
ATM
Mo7ile &anking
Internet &anking
Pay-ent
Ot.er Ser6ice+
T.e depo+it -i5 o, an organi8ation e+pecially t.e Sa6ing account+ are t.e
7ack7one o, e6ery 7ank a+ an ordinary -an i+ -o+t inclined to in6e+t in it due
to it+ con6enience and ea+y a6aila7ility9 T.i+ project deal+ 4it. t.e 6ariou+
cu+to-er concern+ regarding t.e+e and trie+ to +ugge+t appropriate +ugge+ting
7a+ed on conclu+ion+9 I .ope t.at t.i+ report 4ould 7e a7le to +ugge+t +o-e
-ea+ure+ and dra4 attention o, 7ank to4ard+ t.e area o, i-pro6e-ent9
.54 L/'/;a;/on- of S;<+)
T.e +tudy 4a+ 7a+ed on a 6ery -ode+t +a-ple +i8e .ence cannot 7e
called a+ a repre+entation o, t.e 6ie4+ and opinion o, t.e -ajority9
In a rapidly c.anging indu+try: analy+i+ on one day or in one +eg-ent
can c.ange 6ery =uickly9 T.e en6iron-ental c.ange+ are 6ital to 7e
con+idered in order to a++i-ilate t.e ,inding+9
T.e conclu+ion arri6ed at are 7a+ed on a 6ery le++ e5perience o,
re+earc.er in t.i+ ,ield9
?1



GUESTIONNAIRE D"
:COMPARATI8E ANALYSIS OF SA8ING AND SALARY
PRODUCTS OF A9IS BANK WITH HDFC AND ICICI BANK=
FACTS H FINDINGS

?/
ANALYSIS ":
T.i+ analy+i+ di+play+ t.e di6i+ion o, +a-ple according to t.e occupation9 A total o,
100 people 4ere +ur6eyed9
Table 1
Frequency Percent Valid Percent
Cumulative
Percent
Valid SALARIED 44 44.0 44.0 44.0
BUSIESS
!4 !4.0 !4.0 "#.0
PR$FESSI$AL
%! %!.0 %!.0 &00.0
'(tal
&00 &00.0 &00.0
ANALYSISD6
?>
)o4 t.e cu+to-er+ ,ind +alary and +a6ing+ account pro6ided 7y A5i+ &ankT
customers
very good
good
satisfactory
exellent
poor
ANALYSISD.
#o cu+to-er+ .a6e any ot.er product o, A%IS &AN' ot.er t.an +a6ing+ and +alary
accountT Hike ter- depo+it: -utual ,und+: in+urance: .o-e loan: car loan etc9G
THIRD PARTY PRODUCT
YES
NO
ANALYSISD.
Are t.e cu+to-er+ +ati+,ied 4it. t.eir +a6ing+ and +alary accountT
NO. OF PEOPLE
YES
NO
?3
ANALYSISD*
(.ic. 7ank i+ 7etter in pro6iding +er6ice+ regarding tran+action+T
BANKS
AXISBANK
HDFBANK
III BANK
ANALYSISD2
(.ic. i+ 7etter 7ank in ea+e o, acce++ H7ot. 7ranc. $ ATMGT
BANKS
AXIS
HDF
III
ANALYSISD3
(.ic. 7ankI+ account+ pro6ide greater ,le5i7ilityT
BANKS
AXIS
HDF
III
ANALYSISD4
??
Are you +ati+,ied 4it. t.e relation+.ip -anagerI+ +er6ice pro6ided 7y
A5i+ &ankT
Relatios!i"
#aa$er ser%ice
YES
NO
ANALYSISD#
(.ic. c.annel you u+e to acce++ your accountT
HO& YOU ACCESS YOR
ACCOUNT
DI!E" B!ANH
#OBI$EBANKIN%
NE" BANKIN%
&HONEBANKIN%
ANALYSISD%
(.ic. are t.e area+ o, i-pro6e-entT
AREAS OF
I#PRO'E#ENT
'&DA"ES
SE!(IE
"EHNO$O%Y
!#
&!OD'"S
?@
FINDINGS
T.e 7ank .a+ good relation 4it. it+ cu+to-er+9 T.e cu+to-er+ are 6ery
+ati+,ied 4it. t.e relation+.ip -anager +er6ice pro6ided 7y A5i+ &ank9
T.e 7ank and it+ cu+to-er+ .a6e a long ter- relation+.ip9 A5i+ &ank .a+ t.e
tendency to retain it+ cu+to-er+ at any co+t9 T.ey 7elie6e t.at t.e old
cu+to-er i+ -ore pro,ita7le in+tead o, a ne4 one t.atI+ 4.y t.ey try to
-aintain good and long ter- relation+ to t.eir cu+to-er+9
e++ no9 o, cu+to-er u+e -o7ile 7anking or net 7anking9
T.e account+ o, a5i+ 7ank H7ot. +alary $ +a6ingG pro6ide great ,le5i7ility in
ter-+ o, o,,ering9
T.e account+ o, t.e+e t.ree 7ank+ donIt .a6e -uc. di,,erence in ter-+ o,
,eature+ 7ut 4.en it co-e+ to +er6ice pro6iding t.e A5i+ &ank get+ an edge
7ecau+e o, t.eir great cu+to-er +er6ice+9
T.e a5i+ 7ank .a+ good no9 o, 7ranc.e+ and ATMI+ t.atI+ 4.y it .a+ -ore
ea+e o, acce++9
T.e cu+to-er+ o, A5i+ &ank are +ati+,ied 4it. t.eir +a6ing+ and +alary
account+9
?A
GUESTIONNAIRE E 6
CRITICA APPRAISA O" PRO#UCT $ SERVICES*
FACTS H FINDINGS
?B
G5" W@/0@ a,e g,o<1 +o )o< (eong !Age C/-e& I
In;e,1,e;a;/on :
A,ter looking t.i+ 7ar grap.: it can 7e +aid t.e -iddle2aged group are t.e -ain
cu+to-er o, t.e 7ank+ a+ t.ey occupied al-o+t A?J o, t.i+ grap.9 T.e 7ank
.a+ a .uge potential in ter-+ o, t.e untapped -arket O !oung and old age
group people9 )ig. pay package+ to todayI+ e-ployed yout. and large +a6ing
4it. t.e old age people He+pecially in ur7an area+G .a+ -ade t.e- attracti6e
potential cu+to-er+9
G56 W@a; /- )o<, o00<1a;/onI
In;e,1,e;a;/on :
Mo+t o, t.e +er6ice cla++ people pre,er to open a Sa6ing+ Account in
co-pari+on to t.e 7u+ine++ cla++ people9 T.i+ -ay 7e po++i7le due to t.e
,acility o, Any4.ere &anking* +uiting t.eir need+ and pre,erence+9
?C
G5. Pea-e -1e0/f) )o<, ann<a /n0o'eI
In;e,1,e;a;/on:
Inco-e doe+ not -ake any di,,erence a+ ,ar a+ opening t.e account in t.e A5i+
&ank i+ concerned: a+ t.e 7ar diagra- i+ 6i6idly re6ealing t.at -ore or le++
people o, e6ery +eg-ent o, inco-e group .a6e opened and are opening t.e
account e5pert one group i9e9 lo4er inco-e group 4.ere e-p.a+i+ i+ re=uired
to penetrate t.i+ group +o it can 7e +aid t.at t.e target group o, t.e a5i+ 7ank:
+pecially ,or +a6ing account are o, e6ery +eg-ent o, inco-e group +ince it+ i+
de6oted to render 7e+t +er6ice+ to it+ co+tu-er9
G5* C@a; fea;<,e-Ja;;,/(<;e-, C@/e o1en/ng an a00o<n; +o )o<
eA1e0; f,o' a (ankI
In;e,1,e;a;/on:
(.en a cu+to-er 6i+it+ any 7ank t.e ,ir+t and ,ore-o+t t.ing .e e5pect+ i+ t.e
=uickne++ o, +er6ice and t.e pro-ptne++ in entertaining 7y t.e 7ank e-ployee9
Second t.ing cu+to-er 4i+.e+ to .a6e i+ proper in,or-ation regarding .i+
=uerie+9 One t.i+ in t.i+ 7ar al+o really +igni,icant i+: ,actor like le++
@0
,or-alitie+ o, docu-ent 4.ile opening an account9 Varietie+ o, product do not
-ake a 7ig i-pact on cu+to-er 7e.a6ior ,or opening an account in any 7ank i,
it+ +er6ice+ are e,,icient9 &ut on t.e ot.er .and 7ank canIt ignore 4orking
.our+9 A+ in t.i+ 7ar cu+to-er .a+ erred it9 "or t.e+e +er6ice+ like 7ank
pre,erence +.ould 7e gi6en to -ake a pro-pt and cu+to-er ,riendly +er6ice
c.annel9 "or t.i+ ,ocu+ -u+t 7e gi6en to -ake 4ell in,or-ed and proacti6e
e-ployee along 4it. 4ork +.ould 7e e5ecuted tec.nologically rat.er t.an
-anually9
G52 W@a; k/n+ of a00o<n; +o )o< @a?e /n AA/- Bank I
In;e,1,e;a;/on :
Sa6ing account i+ t.e leading and attracti6e product ,or t.e A5i+ 7ank a+ it
occupie+ a -ajor c.unk in t.i+ 7ar9 It i+ clearly i-plying t.at t.i+ product .a+
t.e a7ility to +ati+,y t.e cu+to-er+9 On t.e +econd .ad and t.e po+ition+
current account+ and ,i5ed depo+it+ .a+ al+o 7een .elp,ul to increa+e t.e
cu+to-er 7a+e 7ut +till t.eir per,or-ance+ need+ to 7e i-pro6ed9 One t.ing in
t.i+ 7ar 4.ic. i+ +igni,icant i+ t.e 7u+ine++ o, t.e 7ank i+ relying on only ,e4
leading product+: rea+on ,or t.i+ could 7e: neit.er it .a+ li-ited range o,
product+ nor re+t o, t.e product doe+ not .a6e -uc. a7ility to penetrate in t.e
+ti,, -arket o, 7anking o, ;aipur9 T.at i+ gi6ing an alar-ing -e++age to t.e
-anage-ent o, t.e 7ank to go or analy8ing t.e +ituation 6ery -inutely and
-u+t a+certain 4.ere t.ing+ are going 4rong and ,or t.at 4.at +.ort o,
@1
nece++ary +tep could 7e taken9 Pro6iding 7etter +er6ice+ in co-pari+on 4it.
t.e co-petitor+ i+ a -u+t ,or e5celling in indu+try9
@/
G53 W@o /nf<en0e+ ;o o1en an a00o<n; /n AA/- Bank I
In;e,1,e;a;/on :
A+ it i+ +aid a +ati+,ied cu+to-er i+ t.e 7e+t -ediu- ,or ad6erti+e-ent +ince in
t.i+ 7ar ,riend+ and relati6e+ .a6e play a key role in opening t.e account+ ,or
ot.er+: 4.ic. i-plie+ t.at 7ank real cu+to-er are +ati+,ied enoug. 4it. t.e
,acilitie+ a6aila7le on t.e product+ and t.e +er6ice+ enjoyed 7y t.e-9 An
ad6erti+e-ent and 7ank e-ployee+ -ore or le++ .a+ 7een good per,or-er in
t.eir re+pecti6e do-ain9 It re6eal+ ad6erti+e-ent o, di,,erent -ediu-: a+ 7een
a key ,actor in generating t.e a4arene++ a7out 7ank+ product a+ 4ell a+
,acilitie+ t.at are -ade to a6aila7le on t.en in t.e people+ -ind9
G54 Yo<, ,e'a,k on 1,o+<0;- of AA/- Bank I
@>
In;e,1,e;a;/on :
A+ t.i+ 7ar i+ +.o4ing at 4.at le6el people are +a6ed 4it. +a6ing account:
4it. it+ uni=ue ,acilitie+ ,eature+: and a7ility to +er6e all t.e need+ o, cu+to-er
7ecau+e 7y and large it can 7e +aid A?J people are +a6ing good to +a6ing+
account+: t.i+ i-plie+ t.at t.i+ product .a+ 7een a leading product and +till an
attracti6e product o, t.e A5i+ 7ank9 Rea+on ,or t.i+ could 7e di,,erent type o,
,acility a++ociated 4it. t.i+ product: 4.ic. are reading true 6alue to t.e
cu+to-er and -arketing people are al+o 6ery -uc. de6oted to gi6e t.e 7e+t
,ro- t.i+ part9 E,,ort+ -u+t 7e gi6en to kno4 4.y t.ey are people 4.o are +till
+aying a6erage and poor a7out +a6ing account+ and 4.at are t.e ,actor+ t.at
are going 4rong 4it. t.at +eg-ent o, people9
G5# In 0o'1a,/-on ;o o;@e, (ank @oC Co<+ )o< ,a;e AA/- Bank I
In;e,1,e;a;/on :
Rating o, any 7ank depend+ on it+ o6erall per,or-ance in t.e eye o, t.e
people9 T.i+ 7ar i+ 6i6idly +.o4ing t.at t.e per,or-ance o, A5i+ 7ank .a+
7een good 7ecau+e in +uc. a +.ort +pan o, itI+ e5i+tence in t.i+ city 4it. +trong
co-petition ,ro- -ajor pu7lic +ector 7ank like S&I and ot.er pri6ate 7ank+:
Rea+on ,or t.i+ could 7e: it .a+ occupied a di,,erent po+ition in t.e people
-ind 4it. it+ cu+to-er ,riendly product+ and to +er6e t.e- a e,,icient and
pro-pt 7anking +y+te-9
@3
G5% HoC ong +/+ )o<, Ca/; /n B<e<e I
In;e,1,e;a;/on :
A+ t.i+ 7ar grap. +.o4ing ?AJ people 4ait in =ueue 02? -inute+9 (.ile it
+.ould 7e 100J people9
G5"$ Do )o< ;@/nk ;@e n<'(e, of 0o<n;e,- a?a/a(e a,e -<ff/0/en;I
In;e,1,e;a;/on:
A+ t.i+ 7ar grap. +.o4ing B/J people are +u,,icient9 (.ile it +.ould 7e 100J
people9
@?
SWOT ANALYSIS
STRENGTHS
A5i+ 7ank .a+ 7een gi6en t.e rating a+ one o, top t.ree po+ition+ in ter-+ o,
,a+te+t gro4t. in pri6ate +ector 7ank+
"inancial e5pre++ .a+ gi6en nu-7er t4o po+ition and &T2'PM< .a+ rated
A%IS 7ank a+ t.e 7e+t 7ank 4it. +o-e /@ para-eter+
T.e 7ank .a+ a net4ork o, 1:ABA do-e+tic 7ranc.e+ and 10:>@> ATM+
T.e 7ank .a+ it+ pre+ence in CA1 citie+ and to4n+
T.e 7ank+ ,inancial po+ition+ gro4+ at a rate o, /0J e6ery year 4.ic. i+ a
-ajor po+iti6e +ign ,or any 7ank
T.e co-panyI+ net pro,it i+ U>"!1/ i+ 1:10/9/A 4.ic. .a+ a increa+e o,
/?91CJ gro4t. co-pared to /011
WEAKNESSES
<ap+ O Majorly t.ey concentrated in corporate: 4.ole+ale 7anking: trea+ury
+er6ice+: retail 7anking
"oreign 7ranc.e+ con+titute only BJ o, total a++et+
Very recently t.e 7ank +tarted ,ocu+ing it+ attention to4ard+ per+onal 7anking
and rural area+
T.e +.are rate+ o, A%IS 7ank i+ con+tantly ,luctuating in .ig.er -argin+
4.ic. -ake+ in6e+tor+ in an unco-,orta7le po+ition -o+t o, t.e ti-e
T.ere are lot o, ,inancial product gap+ in ter-+ o, per,or-ance a+ 4ell a+
reac.ing out to t.e cu+to-er
@@
OPPORTUNITIES
Ac=ui+ition+ to ,ill gap
In /00C: Alliance 4it. Motilal O+4al ,or online trading ,or 10 -illion
cu+to-er+
In /010: ac=uired Ena- Securitie+ P6t td O 7roking and in6e+t-ent 7anking
In Sep /00C: SE&I appro6ed A5i+ A++et Manage-ent Co9 ,or -utual ,und
7u+ine++
No9 o, e2tran+action+ increa+ed ,ro- 09A -illion to around / -illion
<eograp.ical e5pan+ion to rural -arket O B0J o, t.e- .a6e no acce++ to
,or-al lending
3@J u+e in,or-al lending c.annel+
/3J unregulated -oney lender+
No4 nu-7er o, 7ranc.e+ increa+ed to 1ABA9
a+t =uarter t.ere 4ere 3B ne4 7ranc.e+ opened acro++ t.e Nation
Since itI+ a ne4 age 7anking t.ere are lot o, opportunitie+ to .a6e t.e ad6ance
tec.nicalitie+ in 7anking +olution+ co-pared to e5i+ting -ajor player+
T.e a++et+ in t.eir international operation+ are gro4ing at a 6ery ,a+ter pace
4it. a gro4t. rate o, CJ9
T.e concept o, ETM HE6ery4.ere teller -ac.ineG 7y A%IS &ank .ad a good
re+pon+e in ter-+ o, attracting ne4 cu+to-er+ in per+onal 7anking +eg-ent
THREATS
Since /00C: R&I .a+ increa+ed CRR 7y 100 7a+i+ point+
Increa+ed repo rate re6er+e repo rate 7y ?0 point+ O 11 ti-e+ o, late
Increa+ing popularity o, UIP+ due to ea+e in ,und rai+ing
R&I allo4ed ,oreign 7ank+ to in6e+t up to A3J in Indian 7anking
<o6ern-ent +c.e-e+ are -o+t o,ten +er6iced only 7y go6ern 7ank+ like
S&I :Indian &ank+: Punja7 National &ank etc
ICICI and )#"C are i-po+ing +trong t.reat+ in ter-+ o, t.eir e5pan+ion in
cu+to-er 7a+e 7y t.eir aggre++i6e -arketing +trategie+
@A
CONCLUSION
T.e +tudy -ainly 4a+ on t.e cu+to-er orientation t.at .o4 t.ey t.ink: 4.at
t.ey 4ant ,ro- t.eir 7ank+ and .o4 t.ey take deci+ion going to any 7ank9
In t.i+ +tudy I ,ound t.at t.e 7ond o, A5i+ &ank 4it. it+ cu+to-er+ i+ 6ery
+trong: 7ecau+e A5i+ &ank -ainly ,ocu+e+ on retaining t.eir cu+to-er+9
T.i+ +tudy ,ind+ t.at .o4e6er A5i+ &ank i+ not t.e leading pri6ate +ector
7ank 7ut it+ 6a+t range o, product+ and a6aila7ility o, option+ -ake it one o,
t.e 7etter 7ank+ in India9
T.e 7ank +.ould ,ocu+ on t.e +e-i ur7an and rural -arket 7ecau+e t.e+e
-arket+ are 6ery good opportunity ,or +o-eone like A5i+ &ank 4.ic. i+ in
gro4ing ,ace9 (it.out e5panding in t.e+e -arket+ A5i+ &ank can not 7e a
leading 7ank +o t.ey +.ould ,ocu+ on t.i+ -arket9
T.e 7ank +.ould ,ocu+ on -a++ 7anking in order to increa+e t.eir -arket
+.are9 T.ey +.ould launc. +uc. product+ 4.ic. 4ould 7e 4it.in t.e reac. o,
t.e lo4er -iddle cla++
T.e 7ank +.ould pay -ore attention on gi6ing update+ and +.ould increa+e
t.e le6el o, +er6ice pro6iding 7ecau+e t.e co-petitor+ o, a5i+ are 7etter in t.i+
area9
T.e 7ank +.ould try to increa+e t.e u+e o, tec.nology like -o7ile and net
7anking a-ong it+ cu+to-er+9
@B

RECOMMENDATION H SUGGESTIONS
Mo+tly +er6ice cla++ per+on+ pre,er t.e a5i+ 7ank in t.e co-pari+on o,
7u+ine++ and +tudent+ and ot.er cla++ per+on+ t.u+ it need+ to pro-ote
it+ product and +er6ice+ t.at are o,,ered -ainly ,or t.e 7u+ine++ cla++
people and +tudent+9 &ecau+e t.e+e t4o cla++ ,or-+ -ajor u+er+ o, t.e
7anking +er6ice+9
A5i+ 7ank i+ nor-ally not u+ing properly ,or t.e current account +o it+
popularity ratio i+ =uite do4n9 T.i+ 7ank nor-ally u+ing ,or t.e long
ter- planning like +a6ing and "#9
T.i+ 7ank i+ not in6e+ting -ore into t.e -arketing +ector +o I 4ill
+ugge+t t.at +o-e o, t.e part o, inco-e it in6e+ting in t.e ad6erti+ing
and -arketing +ector9
Into t.e co-pari+on o, ot.er 7ank it+ per,or-ance i+ =uite good 7ut not
an e,,ecti6e +o t.i+ -ay 7e doing t.e rate+ 4ere do4n 4it. +o-e ot.er
,acilitie+9
@C
APPENDI9
A0
APPENDI9
GUESTIONNAIRED "
Na-eVVVVVVVVVVVV9 Addre++ VVVVVVVVVV
<enderVVVVVVVV VVVVVVVVVVVVV999
Age VVVVVVVVVVVV99 Occupation VVVVVVVVVV
19 (.ic. inco-e group do you 7elong toT
aG e++ t.an ?0:000 p9a9
7G ?0:000 to 1: 00:000 p9a9
cG 1: 00:000 to >: 00:000 p9a9
dG >: 00:000 to ?: 00:000 p9a9
eG More t.an ?: 00: 000 p9a9
/9 )o4 you ,ind t.e +alaryN+a6ing account+ o, A5i+ &ankT
aG 6ery good
7G good
cG e5cellent
dG poor
eG +ati+,actory
>9 #o you .a6e any ot.er product o, a5i+ 7an ot.er t.an +alaryN+a6ing accountT
aG !e+
7G No
39 Are you +ati+,ied 4it. your +alaryN+a6ing accountT
aG !e+
7G No
?9 (.ic. 7ank .a+ ea+e o, acce++T
aG A5i+ 7ank
7G )#"C &ank
cG ICICI 7ank
@9 (.ic. 7ank o,,er+ you t.e ,le5i7ility in it+ product+T
aG A5i+ &ank
7G )#"C &ank
cG ICICI &ank
A1
A9 (.ic. i+ t.e area o, i-pro6e-ent ,or A5i+ &ankT
aG Product+
7G RM
cG Ser6ice+
dG Tec.nology
eG Update+
GUESTIONNAIRE D6
Na-eVVVVVVVVVVVV9 Addre++ VVVVVVVVVV
<enderVVVVV VVVVVVVVVVVVV999
Age VVVVVVVVVVVV99 Occupation VVVVVVVVVV
U91 (.ic. age group do you 7elongT
aG e++ t.an /?
7G /? to 30
cG 30 to ??
dG A7o6e ??
U9/ (.at i+ your occupationT
aG Ser6ice
7G &u+ine++
cG Student
dG Ot.er+
U9> Plea+e +peci,y your annual inco-eT
aG e++ t.an 1 lak.
7G 1 to / lak.
cG / to > lak.
dG > to 3 lak.
eG More t.an 3 lak.
U93 (.at ,eature+Nattri7ute+: 4.ile opening an account do you e5pect ,ro-
a 7ankT
aG Uuick Ser6ice+
A/
7G Variety o, product+
cG e++ ,or-alitie+ o, docu-ent+
dG (orking .our+
eG Proper in,or-ation
U9? (.at kind o, account do you .a6e in A5i+ &ankT
aG Sa6ing Account
7G Current Account
cG "i5ed #epo+it+
dG NR Account
U9@ (.o in,luenced to open an account in A5i+ &ankT
aG &ank E-ployee+
7G Pro+pectu+
cG Ad6erti+e-ent
dG "riend and Relati6e 4ould you reco--end
U9A !our re-ark on product+ o, A5i+ &ankT
aG E5cellent
7G <ood
cG A6erage
dG Poor
U9B In co-pari+on to ot.er 7ank .o4 4ould you rate A5i+ &ankT
aG E5cellent
7G <ood
cG A6erage
dG Poor
eG CanIt Say
U9C )o4 long did your 4ait in =ueueT
aG 02? -inute+
7G ?210 -inute+
cG More t.an 10 -inute+
A>
U910 #o you t.ink t.e nu-7er+ o, counter+ a6aila7le are +u,,icientT
aG !e+
7G No
BIBLIOGRAPHY
We(-/;e-
9
(((9A%IS&AN'9COM
(((9ECONOMITIMES9COM
(((9R&I9OR<
(((9)#"C&AN'9COM
(((9ICICI&AN'9COM
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