NAME:- SHAH KESHVI (2205030101107)

SOLANKI RITESH ( 2205030101121)

RAHUL SINGH (2205030101119)
ASHISH MAYURA (2205030101059)
SUBJECT:-BANKING SERVICES AND OPERATIONS
DATE OF SUBMISSION:-15-12-2023
TOPIC NAME:-RBL BANK
RBL BANK
 About RBL Bank

 About RBL Bank

 RBL Bank is one of India’s leading private sector banks with an expanding
presence across the country. The Bank offers specialized services under five
business verticals namely: Corporate Banking, Commercial Banking, Branch &
Business Banking, Retail Assets and Treasury & Financial Markets Operations. It
currently services over 14.31 million customers through a network of 528
branches; 1,206 business correspondent branches (of which 296 banking
outlets) and 408 ATMs spread across 28 Indian states and Union Territories.
 RBL Bank is listed on both NSE and BSE (RBLBANK).
 MISSION
 CUSTOMERS AT THE HEART
 To engage and understand customer needs, provide best-in-class products and
services, be responsive and quick in resolving queries resulting in true customer
delight and peace of mind
 EMPLOYEES AS THE PILLAR
 To provide an enabling work culture, where career aspirations can be realised
through consistent performance and demonstration of the Bank's core values and
beliefs
 COMMUNITY AS THE CAUSE
 To deliver robust and cost-effective banking services that promote financial
inclusion, catalyse growth and reduce social inequalities
 SHAREHOLDER VALUE AS THE FOCUS
 To demonstrate high corporate governance standards that protects and balances
stakeholder interests in the journey to achieving short and long-term business goals
 VISION

 To be a 'Bank of Choice' by creating and nurturing enduring relationships

through trust and respect of our customers, employees and partners.
 MISSION

 Our mission is to provide Personalised, Efficient and Competitively priced

Financial Services and to implement Sound Policies which will redound to the
benefit of our Customers, Staff, Shareholders and the Communities we serve.
 To be the most admired, compassionate and respected organisation delivering
value to all stakeholders through equitable and inclusive growth.
 HISTORY

 On 6 August 1943, Ratnakar Bank was founded as a regional bank

in Maharashtra with two branches in Kolhapur and Sangli founded by
Babgonda Bhujgonda Patil from Sangli and Gangappa Siddappa Chougule
from Kolhapur. It mainly served small and medium enterprises (SMEs) and
business merchants in the Kolhapur-Sangli belt. It was incorporated in Kolhapur
district on 14 June 1943 as Ratnakar Bank Limited.[5][6] In 1959, the bank was
categorized as a scheduled commercial bank as per the Reserve Bank of India
Act, 1934. During this decade, it was referred to as an NH4 Bank. In 1970, it
received a banking license from the Reserve Bank of India (RBI).
 In July 2010, Vishwavir Ahuja became managing director and CEO of the bank.
In August 2014, the name of the bank was changed to RBL Bank Limited.
 Products and Services

 We provide comprehensive Investment and Trade Solutions for Corporate and

Institutional Clients.
 Leveraging latest technology and data analytics, RBL Bank offers wide range of
solutions to help clients achieve financial goals while providing best-in-class
banking services and customer support.
 Products Offered by RBL Bank

 Accounts
 Several deposit accounts are offered by RBL Bank with different benefits. Some of
the accounts that are offered by the bank are listed below:
• Savings Accounts - RBL Bank allows you to open a savings account online within
five minutes. The bank offers the account at a high interest rate.
• Current Accounts - Various current accounts are offered by the bank that can be
opened online. Certain current accounts allow you to pay direct taxes online.
• Doctors Account - The account is offered to health care professionals and doctors.
You can choose the account number under the Doctors Account.
 Deposits
 The FD and RD schemes offered by the bank come with attractive interest rates.
RBL Bank provides the option to open an account online as well.
• Fixed Deposits - Several FD schemes are offered by RBL Bank. The tenure of the
scheme may vary from 7 days to 20 years.
• Recurring Deposits - The RD scheme offered by the bank comes with a tenure
ranging between 6 months and 20 years. Nominees can be added to the account as
well.
 Loans
 Depending on your requirements, several loans are offered by RBL Bank, some of which are
listed below:
• Education Loan - RBL Bank offers an education loan of up to Rs.20 lakh at attractive interest
rates. The loan can be used for higher education in India or abroad.
• Working Capital Finance - The loan is offered in order to help your business progress. The
process to apply for the loan is simple and minimal documents will need to be submitted.
• Car Loan - You can avail a car loan from the bank to purchase a new car. Up to 90% of the on-
road price of the car may be provided as a loan.
• Home Loan - Up to Rs.10 crore may be offered by the bank as a home loan. Salaried
employees, professionals, and self-employed individuals can apply for the loan.
• Personal Loan - RBL Bank offers a personal loan at attractive interest rates. Up to Rs.20 lakh
may be offered by the bank as a loan.
• Business Loan - Up to Rs.35 lakh may be provided as a business loan by RBL Bank. No
security or collateral will need to be provided to avail the loan.
• Loan Against Property - Both commercial and residential property may be provided as
collateral. The maximum loan amount that will be provided is up to Rs.10 crore.
• Overdraft Against Property - The loan is offered at attractive interest rates. Up to 80% of the
value of the property may be provided as a loan.
• Affordable Housing Loan - Up to Rs.35 lakh may be provided as a loan. The repayment
tenure is up to 20 years.
 Investments
 Some of the investment options that are provided by RBL Bank are mentioned
below:
• National Pension System - The PFRDA has appointed RBL Bank as a Point of
Presence (POP) for the scheme.
• e-ASBA - Investment in FPOs and IPOs can be made through this facility.
 Banking Services
 Some of the banking services that are offered by the bank are given below:
• Chat with RBL Cares - Assistance is provided for credit card and bank
account-related queries via RBL Cares.
• Mobile Banking - You can download the app on your smartphone. Several
products can be opened on the RBL Bank mobile application.
• Net Banking - The net banking facility offered by the bank allows you to access
account details.
 Cards
 Several debit cards and credit cards are offered by RBL Bank with different
benefits.
• Debit Cards - Various debit cards are offered by the bank with different
features and benefits. You can apply for a debit card online as well.
• Credit Cards - RBL Bank offers the option to apply for a credit card online. A
host of benefits and features are offered by the bank on its credit cards.
 Insurance
 Different insurance products are offered by RBL Bank, some of which are listed
below:
• Health Insurance - Three health insurance plans are offered by the bank that
comes with several features and benefits.
• General Insurance - Several general insurance plans are offered by RBL Bank
to meet your requirements. You can apply for certain insurance plans online as
well.
• Life Insurance - Different life insurance policies are offered by RBL Bank with
various benefits. The bank also provides the option to purchase a policy online.
 THANK YOU