• Bank is a financial institution that undertakes

the banking activity ie, it accepts deposits and
then lends the same to earn certain profit.
  OR
• Banking is a business activity of accepting and
safeguarding money owned by other individuals
and entities, and then lending out this money in
order to earn a profit.    
What Lending Mean And How it Works?
• Bank lending refers to the policy and guidelines adopted by
a bank in order to make its lending process systematic and
methodical.
• They lend the money which they themselves borrow from the
depositors. Unless these deposits are prudently
utilized banks are destined to incur losses.
• Banks deal with other people’s money.

• Banks cannot effort to either keep the deposits idle

in the vaults or lend the deposits and not recollect.
Hence, it is essential that a proper lending policy is in
place.
 Documents in Lending

 Proof of Residence - Any one of Ration Card / Telephone Bill /

Electricity Bill / Voters Card.
 Proof of Identity - Any one of Voters Card / Aadhaar Card/ Drivers
License / Employers Card.
 Latest Bank Statement / Passbook (where salary / income is
credited for past 6 months).
 Latest 6 Months Salary Slip with all deductions and last 2 years
Form 16.
 Copies of all Property Documents.
 INTRODUCTION
• It’s the third largest private sector
bank in Indian .
• Axis bank head office is in
MUMBAI and register office is in
AHMEDABAD.
• It has 3.703 braches , 13814 ATM
and 9 International Offices.
• It has Employee Base of 55,000
people and market capitalization
of 1.31 trillion .
• SHIKHA SHARMA - CEO
• Dr. SANJIV MISRA - Chairman
 WHAT ARE FINANCIAL SERVICES ?

• Financial services can be defined as the products and

services offered by institutions like banks of various kinds
for facilitation of various financial transactions and other
related activities in the world of finance like loans,
insurance, credit cards, investment opportunities and
money management as well as providing information on
the stock market and other issues like market trends
 Financial services of AXIS Bank
• Credit card
• Debit card
• Prepaid Card
• Transit cards
• Commercial Credit / Debit cards
• Single currency FOREX Card
• Multi- currency FOREX Card
• Meal card
• Gifts card
• Reward card ,
• Smartpay
 WHAT ARE BANKING SERVICES ?

• Banking services are those in which :

• conducting current accounts for the customers,
• paying cheques drawn on the customers and
• collecting cheques for his/her customers.
 Banking services of AXIS BANK
• Saving Account
• Current Account
• Wealth Management
• Portfolio Management
• Loans :
1. Business Loans
2. Car Loans
3. Education Loans
4. Gold Loans
5. Home Loans
6. Personal Loans