 A bank is a financial

institution whose
primary activity is to act
as a payment agent for
customers and to
borrow and lend money.
It is an institution for
receiving, keeping, and
lending money
 Banks stuck to taking
deposits and
advancing loans
 Then came to phase
of providing loans for
specific purposes
like…home loans,
educational loans etc.
 Recently banks came
out with newer
products and services
 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
 “Dematerializati
Demat on” of physical
stocks

Deposito Master electronic

ry storage vault. Eg:
NSDL, CSDL

Members of
depository.
DPs Offer Demat
Accounts to
investors
• SEBI mandates a demat account for share trading above 500 shares
• Must have a PAN no. for holding a DMAT A/c
 Our Demat A/c is
called a
beneficiary a/c
with our DP has a
“Client ID” no.
Each DP has his
own ID no.
 We need to know
both the no. to
• make
Just like bank A/c, we can have multiple
transactions
Demat A/cs
• We can do so with the same DP or with
Benefits :-
 Ease of transacting (No paper involved)
 Reduces the risk (loss in transit, theft)
 Less time involved
 Less cost involved

Eg: ICICI Bank Demat Services boasts of an

ever-growing customer base of over 11.5 lakh
account holders

“It represents our investments which has

monetary value, so take care of you’re a/c as
you would with your bank A/c”
 Meant for fulfilling the foreign
exchange needs of travelers
 It is a magnetic strip based Pre-
paid Card which offers you a
convenient way to carry your forex
cash
 Although the card may be in the
base currency i.e. currency with
which it was loaded, you can
withdraw cash in the local currency
of the country you are in.
 Eg: ForexPlus Card (HDFC)
Travel Card (ICICI)
Vishwa Yatra Foreign Travel
Card (SBI)
A Forex Card takes away
the hassles of going
around Money changers
 Eligibility:
 Different banks have
different variants..
 Any bonafide citizen of
India who plans to travel
abroad except Nepal and
Bhutan
A credit card is a card
entitling
its holder to buy goods and
services based on the holders
promise to pay for these goods
and services

Most credit cards are of the

same shape and size as
specified by the ISO 7810
standard
 An example of the front in a
typical credit card: An example of the reverse side of
1. Issuing bank logo a typical credit card:
2. EMV chip
3. Hologram 1. Magnetic Strip
4. Credit card number 2.Signature Strip
5. Card brand logo 3.Card Security Code
6. Expiry Date
7. Cardholder's name
 Credit cards are issued after an account has been approved by the credit
provider, after which cardholders can use it to make purchases at merchants
accepting that card
 The cardholder indicates his/her consent to pay, by signing a receipt with a
record of the card details and indicating the amount to be paid or by entering a
Personal 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 few
seconds, allowing the verification to happen at time of purchase. The
verification 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 outstanding
balance from the date of each purchase if the total balance is not paid.
 Credit card system presents countless
opportunities for fraud
 A huge black market in stolen credit card
numbers, which are generally used quickly
before the cards are reported stolen
 Most internet fraud is done through the use of
stolen credit card information which is obtained
in many ways, either online or offline

Is there really a need for credit cards…?

“Americans are spending money they don’t have,

on things they don’t need”
 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.
Request Facility
Customers 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 Facility
Customers 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.
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
 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
 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
Online banking (or Internet banking) allows customers to
conduct 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
 General Insurance
▪ Also known as non-life insurance, general insurance is
normally meant for:-
 Travel Insurance
Health 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.
 Most Banks have 24 hr ATM network
 ATM’s 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
•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.
 This all-new Deposit Scheme has integrated features of the
Savings Deposit and Fixed Deposit, namely liquidity with higher
interest returns on surplus funds as fixed deposits.
HOW DOES THE SCHEME WORK
 The depositor opens a Savings Bank Account with a minimum
amount of Rs 10,000/- and will issue standing instructions to
the bank to maintain a certain predetermined balance through
out the tenure of the account and to transfer the surplus funds
over and above the said limit to a Fixed Deposit Account in
multiples of Rs 5,000/- with a minimum of Rs 5,000/- for a fixed
maturity period.

 Whenever the outstanding balance in Savings Bank Account

goes below the stipulated amount the gap will be bridged by
transfer of required funds from depositor’s Fixed Deposit
Account in multiples of Rs 1,000.
WHO CAN OPEN AN ACOUNT
All individuals, singly or jointly who are eligible to open
Savings A/C .This scheme is also open to Non-Resident
Indians 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/-.
RATE OF INTEREST
As applicable to Savings Bank Deposit and Fixed Deposit
in force from time to time.
Interest will be paid on a quarterly on the Fixed Deposit
account.
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 higher
interest earning Fixed Deposit Account.
The maturity of fixed or term deposits formed as a
result of transfer of money from the Savings Bank
account will be for a minimum period of 46 days and
the interest will be calculated on simple interest rate
basis.
Maximum Liquidity:

 Money parked in Fixed Deposits can be easily accessed by

issuing a cheque, withdrawing through ATM
 This amount is automatically reverse swept from the most
recently formed Fixed Deposit in units of Rs 5,000 to the
Savings account whenever the balance in your Savings
account falls below your stipulated amount .
 The amount broken form your Fixed Deposit will earn
interest rates at the applicable rate for the period that the
deposit was held with the Bank.
 The remaining amount of Fixed Deposit will continue to
earn the contracted rate of interest.
Core banking is a general term used to describe
the services provided by a group of networked
bank branches.
Bank customers may access their funds and other
simple transactions from any of the member
branch offices.
Normal core banking functions will include deposit
accounts, loans, mortgages and payments.
Banks make these services available across
multiple channels like ATMs, Internet banking,
and branches.
 CBS - new jargon frequently used in banking
circles.
 The advancement in technology, especially
internet and information technology.
 computer software is developed to perform core
operations of banking like
 recording of transactions
  passbook maintenance
 interest calculations on loans and deposits,
 customer records,
 balance of payments and withdrawal are done.
 This software is installed at different branches of bank
and then interconnected by means of communication
lines like telephones, satellite, internet etc.

 It allows the user (customers) to operate accounts from

any 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,
Personal loans are a unique retail loans product
offered by a number of banks to cater to distinct
and diverse needs of the customers.
Secured and unsecured loans are provided by
banks to its esteemed customers.
The main purpose of such a loan is to meet any kind
of personal need or expense. A number of
personal loans like marriage loans, consumer
durable loans, festival loans are increasingly
becoming popular.
Easy loans are provided at attractive rate of interest
for widening the existing customer base. 
 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
 A certificate of deposit or CD is a time
deposit, a financial product commonly offered
to consumers by banks.
 CDs are similar to savings accounts in that
they are insured and thus virtually risk-free;
they are "money in the bank".
 They are different from savings accounts in
that the CD has a specific, fixed term (often
three months, six months, or one to five
years), and, usually, a fixed interest rate. It is
intended that the CD be held until maturity, at
which time the money may be withdrawn
together with the accrued interest.
 Multi option deposit scheme
A new deposit scheme combining the features of
Current account, Savings Bank a/c, TDR. The product
proposes to give liquidity to the depositor with high
returns and convenience. It provides the depositor an
automatic overdraft facility in Current a/c and automatic
withdrawal of Term deposits in units through SB a/c.
Depositor has to simultaneously open TDR / RID a/c for
Rs.1000/-, SB a/c with balance Rs.500/- and Current a/c.
 Mutual fund
Concept
A Mutual Fund is a trust that pools the savings of a
number of investors who share a common financial
goal.
The money thus collected is then invested in capital
market instruments such as shares, debentures and
other securities.
The income earned through these investments and
the capital appreciation realized are shared by its
unit holders in proportion to the number of units
owned by them.
Thus a Mutual Fund is the most suitable investment
for the common man as it offers an opportunity to
Mutual fund operation
flow chart
 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
 Types of mutual fund
ended

ended
Close
Open
 Tax
SECTOR
scheme
SPECIFIC

Types of
scheme

GROWT
INCOME H
scheme SCHEME
THANK
YOU