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
PANIPAT INSTITUTE O" EN.INEERIN. AN#
TEC)NOO.!/ SAMA')A
BY

Raj mathur

0123425
2
ACKNOWLEDGEMENT
I 6i+7 to e8pre++ -y gratitude to A%IS &AN' ,or gi9ing -e an opportunity to
:e a part o, t7eir e+tee-ed organi;ation and en7ance -y kno6ledge :y
granting per-i++ion to do +u--er training project under t7eir guidance<
I a- deeply inde:ted to -y guide/ Mr< PAN'A= C)AU)AN/ &ranc7
Manager/ A%IS &ank/ ,or 7i+ 9alua:le and enlig7tened guidance< )e pro9ided
-e 6it7 t7e opportunity to learn in t7e :ank and +pared 7i+ 9alua:le ti-e to
7elp -e<
My +pecial t7ank+ to Mr+< ME.)A TI(ARI/ #eputy Manager/ A%IS &ank/
,or pro9iding great +upport and 7elp 67ene9er 6a+ re>uired<
A +pecial t7ank+ to -y ,aculty guide, #r/ TAMIN#ER 'AUR ,or :eing
t7e c7ie, ,acilitator o, t7i+ project and 7elped -e en7ance -y kno6ledge in t7e
,ield o, :anking +ector<
T7i+ project 7a+ :een po++i:le due to t7e +upport o, +e9eral 6onder,ul
indi9idual+< I 6ould like to t7ank -any unkno6n indi9idual+/ 6it7 67o- I
interacted< All o, t7e- 6it7 t7eir due cooperation and -oti9ation -ade t7e
co-pletion o, t7i+ project +ucce++,ul< I 6ould like to t7ank t7e- all<
a+t :ut not t7e lea+t I a- 7ig7ly o:liged to -y ,riend+ and colleague+ ,or t7eir
7elp and +upport< T7e learning during t7e project 6a+ i--en+e and 9alua:le<
Regard+/
Raj -at7ur
CONTENTS
0

S<NO< PARTICUARS

2 INTRO#UCTION To T7e Indu+try
0 INTRO#UCTION TO t7e Organi;ation
3 RESEARC) MET)O#OO.!
3<2 Title o, t7e +tudy
3<0 #uration o, t7e product
3<3 O:jecti9e o, t7e +tudy
3<? Type o, Re+earc7
3<5 Sa-ple +i;e and -et7od o, +electing a-ple
3<@ Scope o, +tudy
3<A i-itation o, +tudy
? "ACT $ "IN#IN.S
5 ANA!SIS $ INTERPRETATION
@ S(OT
A CONCUSION
B RECOMMEN#ATION $ SU..ESTION
C APPEN#I%
21 &I&IO.RAP)IES
3

INTRODUCTION TO THE
INDUSTRY
?
BANKING IN INDIA
(it7out a +ound and e,,ecti9e :anking +y+te- in India it cannot 7a9e a 7ealt7y
econo-y< T7e :anking +y+te- o, India +7ould not only :e 7a++le ,ree :ut it +7ould :e
a:le to -eet ne6 c7allenge+ po+ed :y t7e tec7nology and any ot7er e8ternal and
internal ,actor+< "or t7e pa+t t7ree decade+ IndiaD+ :anking +y+te- 7a+ +e9eral
out+tanding ac7ie9e-ent+ to it+ credit< T7e -o+t +triking i+ it+ e8ten+i9e reac7< It i+ no
longer con,ined to only -etropolitan+ or co+-opolitan+ in India< In ,act/ Indian
:anking +y+te- 7a+ reac7ed e9en to t7e re-ote corner+ o, t7e country< T7i+ i+ one o,
t7e -ain rea+on+ o, IndiaD+ gro6t7 proce++<
HISTORY:
T7e ,ir+t :ank in India/ t7oug7 con+er9ati9e/ 6a+ e+ta:li+7ed in 2AB@< "ro- 2AB@ till
today/ t7e journey o, Indian &anking Sy+te- can :e +egregated into t7ree di+tinct
p7a+e+< T7ey are a+ -entioned :elo6E
F P)ASE I 4 Early p7a+e ,ro- 2AB@ to 2C@C o, Indian &ank+
F P)ASE II 4 Nationali;ation o, Indian &ank+ and up to 2CC2
F P)ASE III 4 Indian "inancial $ &anking Sector Re,or-+ a,ter 2CC2<
5
PHASE I:
T7e .eneral &ank o, India 6a+ +et up in t7e year 2AB@< Ne8t ca-e &ank o, )indu+tan
and &engal &ank<
T7e Ea+t India Co-pany e+ta:li+7ed
Ban !" B#n$a% &'()*+,
Ban !" B!m,a-&'(.)+ an/
Ban !" Ma/ra0 &'(.1G a+ independent unit+ and called it Pr#02/#n3- Ban0<
T7e+e t7ree :ank+ 6ere a-alga-ated in 2C01 and Im4#r2a% Ban !" In/2a
6a+ e+ta:li+7ed 67ic7 +tarted a+ pri9ate +7are7older+ :ank+/ -o+tly European+
+7are7older+< #uring t7e ,ir+t p7a+e t7e gro6t7 6a+ 9ery +lo6 and :ank+ al+o
e8perienced periodic ,ailure+ :et6een 2C23 and 2C?B< T7ere 6ere appro8i-ately
2211 :ank+/ -o+tly +-all< To +trea-line t7e ,unctioning and acti9itie+ o, co--ercial
:ank+/ t7e .o9ern-ent o, India ca-e up 6it7 T7e &anking Co-panie+ Act/ 2C?C
67ic7 6a+ later c7anged to &anking Regulation Act 2C?C a+ per a-ending Act o,
2C@5 HAct No<03 o, 2C@5G< Re+er9e &ank o, India 6a+ 9e+ted 6it7 e8ten+i9e po6er+
,or t7e +uper9i+ion o, :anking in India a+ t7e Central &anking Aut7ority< #uring t7o+e
dayI+ pu:lic 7a+ le++er con,idence in t7e :ank+< A+ an a,ter-at7 depo+it -o:ili;ation
6a+ +lo6< A:rea+t o, it t7e +a9ing+ :ank ,acility pro9ided :y t7e Po+tal depart-ent
6a+ co-parati9ely +a,er< Moreo9er/ ,und+ 6ere largely gi9en to t7e trader+<
PHASE II:
.o9ern-ent took -ajor +tep+ in t7i+ Indian &anking Sector Re,or- a,ter
independence< In 2C55/ it nationali;ed I-perial &ank o, India 6it7 e8ten+i9e :anking
,acilitie+ on a large +cale e+pecially in rural and +e-i4ur:an area+< Second p7a+e o,
nationali;ation Indian &anking Sector Re,or- 6a+ carried out in 2CB1 6it7 +e9en
-ore :ank+< T7i+ +tep :roug7t B1J o, t7e :anking +eg-ent in India under
.o9ern-ent o6ner+7ip<
T7e ,ollo6ing are t7e +tep+ taken :y t7e .o9ern-ent o, India to Regulate &anking
In+titution+ in t7e CountryE
@
F '*.*: Enact-ent o, &anking Regulation Act<
F '*55E Nationali;ation o, State &ank o, India<
F '*5*E Nationali;ation o, S&I +u:+idiarie+<
F '*6': In+urance co9er e8tended to depo+it+<
F '*6*: Nationali;ation o, 2? -ajor :ank+<
F '*7': Creation o, credit guarantee corporation<
F '*75E Creation o, regional rural :ank+<
F '*()E Nationali;ation o, +e9en :ank+ 6it7 depo+it+ o9er 011 crore+<
A,ter t7e nationali;ation o, :ank+/ t7e :ranc7e+ o, t7e pu:lic +ector :ank India rai+ed
to appro8i-ately B11J in depo+it+ and ad9ance+ took a 7uge ju-p :y
22/111J<&anking in t7e +un+7ine o, .o9ern-ent o6ner+7ip ga9e t7e pu:lic i-plicit
,ait7 and i--en+e con,idence a:out t7e +u+taina:ility o, t7e+e in+titution+<
PHASE III
T7i+ p7a+e 7a+ introduced -any -ore product+ and ,acilitie+ in t7e
:anking +ector in it+ re,or-+ -ea+ure< In 2CC2/ under t7e c7air-an+7ip o,
M Nara+i-7a-/ a co--ittee 6a+ +et up :y 7i+ na-e 67ic7 6orked ,or
t7e li:erali;ation o, :anking practice+<
T7e country i+ ,looded 6it7 ,oreign :ank+ and t7eir ATM +tation+< E,,ort+
are :eing put to gi9e a +ati+,actory +er9ice to cu+to-er+< P7one :anking
and net :anking i+ introduced< T7e entire +y+te- :eca-e -ore
con9enient and +6i,t< T7e ,inancial +y+te- o, India 7a+ +7o6n a great
deal o, re+ilience< It i+ +7eltered ,ro- any cri+i+ triggered :y any e8ternal
-acroecono-ic+ +7ock a+ ot7er Ea+t A+ian Countrie+ +u,,ered< T7i+ i+ all
due to a ,le8i:le e8c7ange rate regi-e/ t7e "oreign Re+er9e+ are 7ig7/
t7e capital account i+ not yet ,ully con9erti:le/ and :ank+ and t7eir
cu+to-er+ 7a9e li-ited ,oreign e8c7ange e8po+ure<
A
'89 NATIONALI:ED BANKS IN INDIA
&anking Sy+te- in India i+ do-inated :y nationali;ed :ank+< T7e
nationali;ation o, :ank+ in India took place in 2C@C :y Mr+< Indira .and7i t7e
t7en pri-e -ini+ter< T7e -ajor o:jecti9e :e7ind nationali;ation 6a+ to +pread
:anking in,ra+tructure in rural area+ and -ake a9aila:le c7eap ,inance to Indian
,ar-er+< "ourteen :ank+ 6ere nationali;ed in 2C@C<
&e,ore 2C@C/ State o, India HS&IG 6a+ only pu:lic +ector :ank in India< S&I 6a+
nationali;ed in 2C55 under t7e S&I Act o, 2C55< T7e +econd p7a+e o,
nationali;ation o, Indian :ank+ took place in t7e year 2CB1< Se9en -ore :ank+
6ere nationali;ed 6it7 depo+it+ o9er 011 crore+
'81 PRI;ATE BANKS
All t7e :ank+ in India 6ere earlier pri9ate :ank+< T7ey 6ere ,ounded in t7e pre4
independence era to cater to t7e :anking need+ o, t7e people< &ut a,ter
nationali;ation o, :ank+ in 2C@C pu:lic +ector :ank+ ca-e to occupy do-inant
role in t7e :anking +tructure< Pri9ate +ector :anking in India recei9ed a ,illip in
2CC? 67en Re+er9e &ank o, India encouraged +etting up to pri9ate :ank+ a+
part o, it+ policy o, li:erali;ation o, t7e Indian &anking Indu+try< )ou+ing
#e9elop-ent "inance Corporation i-ited H)#"CG 6a+ a-ong+t t7e ,ir+t to
recei9e an KIn principleI appro9al ,ro- t7e Re+er9e &ank o, India HR&IG to +et
up a :ank in t7e pri9ate +ector<
Pri9ate &ank+ 7a9e played a -ajor role in t7e de9elop-ent o, Indian :anking
indu+try< T7ey 7a9e -ade :anking -ore e,,icient and cu+to-er ,riendly< In t7e
proce++ t7ey 7a9e jolted pu:lic +ector :ank+ out o, co-placency and ,orced
t7e- to :eco-e -ore co-petiti9e<
B
INTRODUCTION TO THE
ORGANI:ATION
C
COMPANY DESCRIPTION
A<IS BANK
A8i+ &ank India/ t7e ,ir+t :ank to :egin operation+ a+ ne6 pri9ate :ank+ in 2CC? a,ter
t7e .o9ern-ent o, India allo6ed ne6 pri9ate :ank+ to :e e+ta:li+7ed< A8i+ &ank 6a+
jointly pro-oted :y t7e Ad-ini+trator o, t7e +peci,ied undertaking o, t7e
Unit Tru+t o, India HUTI4IG
i,e In+urance Corporation o, India HICG
.eneral In+urance Corporation td<
Al+o 6it7 a++ociate+ 9i;< National In+urance Co-pany td</ t7e Ne6 India A++urance
Co-pany/ T7e Oriental In+urance Corporation and United In+urance Co-pany td<
E;OLUTION:
UTI 6a+ e+ta:li+7ed in 2C@? :y an Act o, Parlia-entL neit7er did t7e .o9ern-ent o,
India o6n it nor contri:ute+ any capital< T7e R&I 6a+ a+ked to contri:ute one47al, o,
it+ initial capital o, R+ 5 crore/ and gi9en t7e -andate o, running t7e UTI in t7e
intere+t o, t7e unit47older+< T7e State &ank o, India and t7e i,e In+urance
Corporation contri:uted 25 per cent o, t7e capital eac7/ and t7e re+t 6a+ contri:uted
:y +c7eduled co--ercial :ank+ 67ic7 6ere not nationali;ed t7en< T7i+ kind o,
+tructure ,or a unit tru+t i+ not ,ound any67ere el+e in t7e 6orld< Again/ unlike ot7er
unit tru+t+ and -utual ,und+/ t7e UTI 6a+ not created to earn pro,it+<
In t7e cour+e o, nearly ,our decade+ o, it+ e8i+tence/ it Ht7e UTIG 7a+ +ucceeded
p7eno-enally in ac7ie9ing it+ o:jecti9e and 7a+ t7e large+t +7are any67ere in t7e
6orld o, t7e do-e+tic -utual ,und indu+try< DD T7e e-ergence o, a M,oreign e8pertM
during t7e +etting up o, t7e UTI -ake+ an intere+ting +tory< T7e announce-ent :y t7e
t7en "inance Mini+ter t7at t7e .o9ern-ent o, India 6a+ conte-plating t7e
e+ta:li+7-ent o, a unit tru+t caug7t t7e eye o, Mr< .eorge (ood+/ t7e t7en Pre+ident
o, t7e (orld &ank< Mr< (ood+ took a great deal o, intere+t in t7e Indian ,inancial
+y+te-/ a+ 7e 6a+ one o, t7e principal arc7itect+ o, t7e ICICI/ in 67ic7 7i+ :ank/ "ir+t
&o+ton Corporation &ank/ 7ad a +i;ea:le +7are7olding< Mr< (ood+ o,,ered/ t7roug7
Mr< &<'< Ne7ru/ 67o 6a+ IndiaD+ E8ecuti9e #irector on t7e (orld &ank/ t7e +er9ice+
o, an e8pert< T7e Centre ju-ped at t7e o,,er/ and a+ked t7e R&I to 7old up t7e
,inali;ation o, t7e unit tru+t
21
Propo+al+ till t7e e8pert 9i+ited India< T7e only point Mr< Sulli9an -ade 6a+ t7at t7e
pro9i+ion to li-it t7e o6ner+7ip o, unit+ to indi9idual+ -ig7t re+ult in unnece++arily
re+tricting t7e -arket ,or unit+< (7ile -aking t7i+ point/ 7e 7ad in -ind t7e practice
in t7e US/ 67ere +-all pen+ion ,und+ are an i-portant cla++ o, cu+to-er+ ,or t7e unit
tru+t+< T7e Centre accepted t7e ,oreign e8pertD+ +ugge+tion/ and t7e nece++ary
a-end-ent+ 6ere -ade in t7e dra,t &ill< T7u+/ :egan corporate in9e+t-ent in t7e
UTI/ 67ic7 recei9ed a :oo+t ,ro- t7e ta8 conce++ion gi9en :y t7e go9ern-ent in t7e
2CC14C2 &udget< According to t7i+ conce++ion/ t7e di9idend+ recei9ed :y a co-pany
,ro- in9e+t-ent+ in ot7er co-panie+/ including t7e UTI/ 6ere co-pletely e8e-pt
,ro- corporate inco-e ta8/ and pro9ided t7e di9idend+ declared :y t7e in9e+ting
co-pany 6ere 7ig7er t7an t7e di9idend+ recei9ed<
T7e re+ult 6a+ a p7eno-enal increa+e in corporate in9e+t-ent 67ic7 accounted ,or 5A
per cent o, t7e total capital under US4@? +c7e-e< &ecau+e o, 7ig7 li>uidity t7e
corporate +ector u+ed t7e UTI to park it+ li>uid ,und+< T7i+ added to t7e 9olatility o,
t7e UTI ,und+< T7e corporate lo::y 67ic7 per7ap+ +u:tly oppo+ed t7e e+ta:li+7-ent
o, t7e UTI in t7e pu:lic +ector -ade u+e o, it ,or it+ o6n :ene,it+ later< T7e
.o9ern-ent4R&I po6er ga-e +tarted 6it7 t7e ,inali;ation o, t7e UTI c7arter it+el,<
T7e R&I dra,t o, t7e UTI c7arter +tipulated t7at t7e C7air-an 6ill :e no-inated :y it/
and one -ore no-inee 6ould :e on t7e &oard o, Tru+tee+< (7ile ,inali;ing t7e dra,t
&ill/ t7e Centre c7anged t7i+ +tipulation< T7e C7air-an 6a+ to :e no-inated :y t7e
.o9ern-ent/ al:eit in Con+ultation 6it7 R&I< Alt7oug7 t7e appoint-ent 6a+ to :e
-ade in con+ultation 6it7 t7e Re+er9e &ank/ t7e .o9ern-ent could appoint a per+on
o, it+ c7oice a+ C7air-an e9en i, t7e &ank did not appro9e o, 7i-<
ater on in 0110 t7e UTI 6a+ rena-ed to A8i+ &ank<
22
BUSINESS DESCRIPTION
T7e &ankD+ principal acti9itie+ are to pro9ide co--ercial :anking +er9ice+ 67ic7
include -erc7ant :anking/ direct ,inance/ in,ra+tructure ,inance/ 9enture capital ,und/
ad9i+ory/ tru+tee+7ip/ ,ore8/ trea+ury and ot7er related ,inancial +er9ice+<
CORPORATE PRO=ILE
A8i+ &ank i+ t7e t7ird large+t pri9ate +ector :ank in India< A8i+ &ank o,,er+ t7e entire
+pectru- o, ,inancial +er9ice+ to cu+to-er +eg-ent+ co9ering arge and Mid
Corporate+/ SME/ Agriculture and Retail &u+ine++e+<
T7e &ank 7a+ a large ,ootprint o, 2ABA do-e+tic :ranc7e+ Hincluding e8ten+ion
counter+G and 21/3@3 ATM+ +pread acro++ 2/23C centre+ in t7e country a+ on 32+t
#ece-:er 0120< T7e &ank al+o 7a+ A o9er+ea+ :ranc7e+ N o,,ice+ in Singapore/ )ong
'ong/ S7ang7ai/ Colo-:o/ #u:ai/ #I"C 4 #u:ai and A:u #7a:i<
A8i+ &ank i+ one o, t7e ,ir+t ne6 generation pri9ate +ector :ank+ to 7a9e :egun
operation+ in 2CC?< T7e &ank 6a+ pro-oted in 2CC3/ jointly :y Speci,ied
Undertaking o, Unit Tru+t o, India HSUUTIG Ht7en kno6n 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 td</ T7e Ne6 India A++urance Co-pany td</ T7e
Oriental In+urance Co-pany td< and United India In+urance Co-pany td< T7e
+7are7olding o, Unit Tru+t o, India 6a+ +u:+e>uently tran+,erred to SUUTI/ an entity
e+ta:li+7ed in 0113<
(it7 a :alance +7eet +i;e o, R+<0/B5/@0B crore+ a+ on 32+t Marc7 0120/ A8i+ &ank i+
ranked Ct7 a-ong+t all Indian +c7eduled :ank+< A8i+ &ank 7a+ ac7ie9ed con+i+tent
gro6t7 and +ta:le a++et >uality 6it7 a 5 year CA.R H011A420G o, 32J in Total A++et+/
31J in Total #epo+it+/ 3@J in Total Ad9ance+ and ?5J in Net Pro,it<
T7e Corporate O,,ice o, A8i+ &ank i+ located at A8i+ )ou+e Mu-:ai< A8i+ )ou+e 7a+
recei9ed t7e >P%at2num? rating a6arded :y t7e US .reen &uilding Council ,or it+
en9iron-ent ,riendly ,acilitie+ and reduction o, car:on e-i++ion<
SUBSIDIARIES
T7e &ank 7a+ +et up +i8 67olly4o6ned +u:+idiarie+E

A8i+ Securitie+ and Sale+ td< HSince rena-ed A8i+ Capital td<G
A8i+ Pri9ate E>uity td<
A8i+ Tru+tee Ser9ice+ td<
A8i+ A++et Manage-ent Co-pany td<
A8i+ Mutual "und Tru+tee td<
A8i+ U<'< td<
20
PROMOTERS:
UTI &ank td< 7a+ :een pro-oted :y t7e large+t and t7e :e+t "inancial In+titution o,
t7e country/UTI< T7e &ank 6a+ +et up IN 2CC3 6it7 a capital o, R+< 225 crore/ 6it7
UTI contri:uting R+< 211 crore/
IC 4 R+< A<5 crore
.IC and it+ ,our +u:+idiarie+ contri:uting R+< 2<5 crore eac7<
A8i+ &ank i+ today one o, t7e -o+t co-petiti9e and pro,ita:le :anking ,ranc7i+e in
India< (7ic7 can :e clearly +een :y an analy+i+ o, it+ co-pre7en+i9e port,olio o,
:anking +er9ice+ including Corporate Credit/ Retail &anking/ and &u+ine++
&anking/Capital Market+/ Trea+ury and International &anking<
CAPITAL STRUCTURE
T7e &ank 7a+ aut7ori;ed +7are capital o, R+< 511 crore+ co-pri+ing 511/111/111
e>uity +7are+ o, R+<21N4 eac7< A+ on 32+t Marc7/ 0120 t7e &ank 7a+ i++ued/ +u:+cri:ed
and paid4up e>uity capital o, R+< ?23<01 crore+/ con+tituting ?23/013/C50 +7are+ o, R+<
21N4 eac7< T7e &ankI+ +7are+ are li+ted on t7e National Stock E8c7ange and t7e
&o-:ay Stock E8c7ange< T7e .#R+ i++ued :y t7e &ank are li+ted on t7e ondon
Stock E8c7ange HSEG<
DISTRIBUTION NETWORK
T7e &ank 7a+ a net6ork o, 2ABA do-e+tic :ranc7e+ Hincluding e8ten+ion counter+G
and 21/3@3 ATM+ acro++ t7e country/ a+ on 32+t #ece-:er 0120/ t7e net6ork o, A8i+
&ank +pread+ acro++ 2/23C citie+ and to6n+/ ena:ling t7e &ank to reac7 out to a large
cro++4+ection o, cu+to-er+ 6it7 an array o, product+ and +er9ice+< T7e &ankI+
o9er+ea+ net6ork con+i+t+ o, ? :ranc7e+ in Singapore/ )ong 'ong/
#I"C O #u:ai and Colo-:o and 3 Repre+entati9e o,,ice+ at S7ang7ai/ #u:ai/ and
A:u #7a:i<
BUSINESS O;ER;IEW
An o9er9ie6 o, 9ariou+ :u+ine++ +eg-ent+
RETAIL BANKING
A8i+ &ank 7a+ de9eloped a +trong retail :anking ,ranc7i+e o9er t7e year+<
Retail &anking i+ one o, t7e key dri9er+ o, t7e &ankI+ gro6t7 +trategy and it
enco-pa++e+ a 6ide range o, product+ deli9ered to cu+to-er+ t7roug7 -ultiple
c7annel+< T7e &ank o,,er+ a co-plete +uite o, product+ acro++ depo+it+/ loan+/
in9e+t-ent +olution+/ pay-ent+ and card+ to 7elp cu+to-er+ ac7ie9e t7eir
,inancial o:jecti9e+< T7e &ank ,ocu+e+ on product di,,erentiation a+ 6ell a+ a
7ig7 le9el o, cu+to-er4+er9ice to ena:le it to :uild it+ retail :u+ine++<
23
T7e &ank 7a+ continued to de9elop it+ ri+k -anage-ent capa:ilitie+ in Retail
:u+ine++/ :ot7 ,ro- a credit and operation+ ri+k +tandpoint< T7e :ranc7
c7annel i+ e,,ecti9ely utili+ed ,or gro6ing t7e retail a++et+ :u+ine++/ 6it7 loan
and card product+ :eing o,,ered to e8i+ting clientele<
T7e gro6t7 area+ identi,ied :y t7e &ank are in t7e area+ o, re+idential
-ortgage+ and pa++enger car loan+< O, t7e total retail loan+ port,olio/ BB<?AJ
i+ in t7e ,or- o, +ecured loan+ Hre+idential -ortgage+ and auto loan+G<
T7e &ank o,,er+ a 6ide range o, pay-ent +olution+ to it+ cu+to-er+ in t7e
,or- o, de:it card+/ prepaid card+ and credit card+< A+ on 32+t Marc7 0120/
t7e &ank 7a+ a :a+e o, appro8i-ately 20?<CC lac de:it card+/ placing it a-ong
t7e leading player+ in t7e country< T7e &ank i+ al+o a do-inant player in
prepaid card+< A8i+ &ank 7a+ o9er 0 lak7 in+talled E#C -ac7ine+ 4 a 7ig7e+t
,or any :ank in India<
A8i+ &ank Pri9PeI/ an e8clu+i9e pri9ate :anking +er9ice o,,er+ ad9i+ory/
in9e+t-ent and lending +olution+ to it+ cu+to-er+ acro++ 21 citie+ in t7e
country< Pri9Pe ,ollo6+ a client4,ocu+ed in9e+t-ent proce++ and a tea-4:a+ed
approac7 ,or -anaging client relation+7ip+< T7e relation+7ip -anage-ent
tea- i+ +upported :y a tea- o, product +peciali+t+/ client +er9icing tea-+/
in9e+t-ent con+ultant+ and re+earc7 e8pert+< T7e pri9ate :anking :u+ine++
,ocu+e+ on addre++ing :ot7 t7e per+onal and corporate ad9i+ory need+ o, an
entrepreneur or :u+ine++ ,a-ily :y :ringing +olution+ o,,ered :y 9ariou+
:u+ine++ group+ acro++ t7e retail and corporate :u+ine++e+ 6it7in t7e &ank
under an integrated plat,or-<
T7e &ank launc7ed KA8i+ &ank (ealt7I in 011B41C targeting cu+to-er+ 67o
7a9e a total relation+7ip 9alue 6it7 t7e &ank o, :et6een R+<31 lac+ and
R+<011 lac+< T7e 9alue propo+ition ai-+ at deli9ering a KOne &ankI e8perience
to +uc7 cu+to-er+ and i+ po+itioned a+ a co-plete +olution in9ol9ing :anking/
in9e+t-ent and a++et need+<
T7e &ank al+o di+tri:ute+ t7ird party product+ +uc7 a+ -utual ,und+/ &ank
a++urance product+ Hli,e and general in+uranceG/ online trading/ .old and
Sil9er coin+ t7roug7 it+ :ranc7e+<
T7e retail :u+ine++ o, t7e &ank i+ +upported :y inno9ati9e +er9ice+ and
alternate c7annel+ 67ic7 pro9ide con9enience o, tran+action+ to cu+to-er+<
T7e+e c7annel+ include an e8ten+i9e ATM net6ork/ internet :anking/ -o:ile
:anking and p7one :anking<
2?
Int#rnat2!na% R#ta2%
International Retail &u+ine++ ,ocu+e+ +peci,ically on t7e o9er+ea+ +ale+
c7annel/ retail ,oreign e8c7ange :u+ine++/ re-ittance+ and retail :u+ine++e+ in
o9er+ea+ centre+ +uc7 a+ )ong 'ong and Sri anka/ 67ere t7e &ank 7a+ a
pre+ence< T7e product+ o,,ered in t7e area o, retail "ore8 and re-ittance+
include tra9el currency card+/ in6ard and out6ard 6ire tran+,er+/ tra9ellerI+
c7e>ue+ and ,oreign currency note+/ re-ittance ,acilitie+ t7roug7 online
portal+ a+ 6ell a+ t7roug7 colla:oration 6it7 corre+pondent :ank+/ e8c7ange
7ou+e+ and -oney tran+,er operator+< T7e &ank continued to 7a9e a -arket
leader+7ip po+ition in Tra9el Currency Card+ 6it7 22 currency option+ ot7er
t7an INR :eing o,,ered< T7e aggregate +pend+ on Tra9el Currency Card+ 7a9e
cro++ed US# 3 :illion during t7e year 0120423<
BUSINESS BANKING
&u+ine++ &anking le9erage+ t7e &ankI+ +trengt7+ O a 6ell di+tri:uted net6ork
o, :ranc7e+ and a +trong tec7nology plat,or- to o,,er t7e :e+t in tran+action
:anking +er9ice+< T7e &ank o,,er+ a range o, current account product+ and
ca+7 -anage-ent +olution+ acro++ all :u+ine++ +eg-ent+ co9ering corporate+/
in+titution+/ central and +tate go9ern-ent -ini+trie+ and undertaking+ a+ 6ell
a+ +-all and retail cu+to-er+<
T7e &ank i+ one o, t7e top CMS pro9ider+ in t7e country< T7e &ank act+ a+ an
agency :ank ,or tran+acting go9ern-ent :u+ine++ o,,ering +er9ice+ to 9ariou+
Central .o9ern-ent Mini+trie+ N #epart-ent+ and ot7er State .o9ern-ent+
and Union Territorie+<
In order to pro9ide +olution+ ,or :u+ine++ to e,,ecti9ely -anage t7eir ,und+
,lo6/ t7e &ank 7a+ introduced li>uidity -anage-ent +olution ,or corporate
cu+to-er+< Si-ilarly/ a +ingle 6indo6 ,or all pay-ent re>uire-ent+ 6a+
launc7ed 6it7 +e9eral ad9anced ,eature+ +uc7 a+ +etting a daily tran+action
li-it ,or corporate u+er+/ +etting tran+action li-it+ ,or indi9idual :ene,iciarie+/
prioriti+ing pay-ent -et7od+/ online +top pay-ent and cancellation ,acilitie+<
CORPORATE CREDIT
A8i+ &ank 7a+ :uilt a +trong corporate :anking ,ranc7i+e acro++ corporate/
lia:ility and a++et :u+ine++e+< A8i+ &ank pro9ide+ cu+to-i;ed +tructuring and
,inancing +olution+ in a ti-ely and co-pre7en+i9e -anner to it+ corporate
cu+to-er+ 6it7 a ,ocu+ on :uilding out a 7ig7 >uality credit port,olio< T7e
&ank i+ a -arket leader in #e:t Capital Market+ and loan +yndication :u+ine++
acro++ +eg-ent+/ +ector+ and geograp7ie+< T7e &ank al+o pro9ide+ ,ull range
25
o, Trea+ury and Trade "inance +olution+ to it+ corporate client+< T7e &ank
o,,er+ tec7nology ena:led tran+action :anking and ca+7 -anage-ent +er9ice+
to cu+to-er+ acro++ .o9ern-ent/ ,inancial in+titution+ and corporate
+eg-ent+<
&ankI+ in,ra+tructure :u+ine++ include+ project and :id ad9i+ory +er9ice+/
project lending/ de:t +yndication/ project +tructuring and due diligence/
+ecuriti+ation and +tructured ,inance< #uring t7e year t7e &ank launc7ed it+
,ir+t e9er K#$&4A8i+ &ank In,ra A6ard+ 0122I in a++ociation 6it7 #un $
&rad+treet< T7e a6ard ,elicitate+ leading in,ra+tructure project+ and
in,ra+tructure co-panie+< In Octo:er 0121/ t7e &ank launc7ed t7e A8i+ In,ra
Inde8 HAIIG 6it7 t7e pri-ary o:jecti9e o, con9eying a +en+e o, in9e+t-ent
condition+ in t7e in,ra+tructure +ector< T7e Inde8/ a+ a co-po+ite -ea+ure o,
in9e+tor con,idence/ co-pri+e+ ,our co-ponent+E ,lo6 o, e>uity and de:t
,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
de9elop-ent+ rele9ant ,or t7e +ector< It i+ de+igned to capture t7e e9ol9ing
,unda-ental+ o, t7e +ector and i+ updated and di++e-inated on a >uarterly
:a+i+<
TREASURY
T7e &ank 7a+ an integrated Trea+ury/ co9ering :ot7 do-e+tic and glo:al
-arket+/ 67ic7 -anage+ t7e &ankI+ ,und+ acro++ geograp7ie+< T7e &ankI+
trea+ury :u+ine++ 7a+ gro6n +u:+tantially o9er t7e year+/ gaining -arket +7are
and continuing to :e a-ong t7e top ,i9e :ank+ in ter-+ o, ,ore8 re9enue+< T7e
Trea+ury play+ an i-portant role in t7e +o9ereign de:t -arket+ and participate+
in t7e pri-ary auction+ 7eld :y R&I< It al+o acti9ely participate+ in t7e
+econdary go9ern-ent +ecuritie+ and corporate de:t -arket< T7e ,oreign
e8c7ange and -oney -arket+ de+k i+ an acti9e participant in t7e inter4:ankN "I
+pace< T7e &ank 7a+ :een e8ploring 9ariou+ cro++4:order -arket+ to aug-ent
re+ource+ and +upport cu+to-er cro++4:order trade< T7e &ank 7a+ e-erged a+
one o, t7e leading pro9ider+ o, ,oreign e8c7ange and trade ,inance +er9ice+< It
pro9ide+ a ga-ut o, product+ ,or e8port+ and i-port+ a+ 6ell a+ retail +er9ice+<
It+ cutting edge tec7nology pro9ide+ co-pre7en+i9e and ti-ely cu+to-er
+er9ice+<
INTERNATIONAL BANKING
T7e international operation+ o, t7e &ank ,or- a key ena:ler in it+ +trategy to
partner 6it7 t7e o9er+ea+ gro6t7 potential o, it+ do-e+tic clientele/ 67o are
9enturing a:road or re>uire non4rupee ,und+ ,or do-e+tic project+< T7e &ank
no6 7a+ a ,oreign net6ork o, ,our :ranc7e+ HSingapore/ )ong 'ong/ #I"C
H#u:aiG and Colo-:o HSri ankaGG and t7ree repre+entati9e o,,ice+ HS7ang7ai/
2@
#u:ai and A:u #7a:iG 6it7 pre+ence in +i8 countrie+< (7ile corporate
:anking/ trade ,inance/ trea+ury and ri+k -anage-ent +olution+ are t7e
pri-ary o,,ering+ t7roug7 t7e :ranc7e+ at Singapore/ )ong 'ong/ #I"C
H#u:aiG and Colo-:o/ t7e &ank al+o o,,er+ retail lia:ility product+ ,ro- it+
:ranc7e+ at )ong 'ong and Colo-:o< "urt7er/ t7e &ankI+ .ul, Co4operation
Council H.CCG initiati9e+ in t7e ,or- o, repre+entati9e o,,ice+ in #u:ai and
A:u #7a:i/ and alliance+ 6it7 :ank+ and e8c7ange 7ou+e+ in t7e Middle Ea+t
pro9ide t7e +upport ,or le9eraging t7e :u+ine++ opportunitie+ e-anating ,ro-
t7e large NRI dia+pora pre+ent in t7e+e countrie+<
SMALL AND MEDIUM ENTERPRISES
T7e S-all and Mediu- Enterpri+e+ HSMEG +eg-ent i+ a t7ru+t area o, t7e
&ank< T7e :u+ine++ approac7 to6ard+ t7i+ +eg-ent/ 67ic7 i+ e8pected to
contri:ute +igni,icantly to econo-ic gro6t7 in ,uture/ i+ to :uild relation+7ip+
and nurture t7e entrepreneurial talent a9aila:le< T7e relation+7ip :a+ed
approac7 ena:le+ t7e &ank to deli9er 9alue t7roug7 t7e entire li,e cycle o,
SME+< T7e &ank 7a+ +eg-ented it+ SME :u+ine++ in t7ree group+E S-all
Enterpri+e+/ Mediu- Enterpri+e+ and Supply C7ain "inance< T7e &ank
e8tend+ 6orking capital/ project ,inance a+ 6ell a+ trade ,inance ,acilitie+ to
SME+< T7e &ank 7a+ launc7ed K&u+ine++ .aura9 SME A6ard+I in a++ociation
6it7 #un $ &rad+treet to recogni;e and a6ard ac7ie9er+ in t7e SME +pace<
IN=ORMATION TECHNOLOGY
Tec7nology i+ one o, t7e key ena:ler+ ,or :u+ine++ and deli9ery o, cu+to-i;ed
,inancial +olution+< T7e &ank continue+ to ,ocu+ on introducing inno9ati9e
:anking +er9ice+ t7roug7 in9e+t-ent+ in +cala:le and ro:u+t tec7nology
plat,or-+ t7at deli9er+ e,,icient and +ea-le++ +er9ice+ acro++ -ultiple c7annel+
,or cu+to-er con9enience and co+t reduction< T7e &ank 7a+ al+o ,ocu+ed on
i-pro9ing t7e go9ernance proce++ in IT< T7e &ank 7a+ launc7ed t7e &u+ine++
Proce++ Manage-ent Sy+te-/ a reu+a:le +y+te-/ 67ic7 7elp+ to :uild proce++
e,,iciencie+ acro++ 9ariou+ area+ o, operation+<
T7e &ank 7a+ undertaken 9ariou+ +tep+ in order to align it+el, to6ard+ R&I
guideline+ on +ecurity and go9ernance/ including +etting up o, &oard and
E8ecuti9e le9el co--ittee+ and 6orking on IT operation+ and ot7er key area+<
AGRICULTURE
T7e &ank continue+ to dri9e and e8pand t7e ,lo6 o, credit to t7e agricultural
+ector< ?12 :ranc7e+ o, t7e &ank 7a9e dedicated o,,icer+ ,or pro9iding ,ar-
loan+< Product+ and +olution+ are created +peci,ically 6it7 +i-ple ,eature+ and
o,,ered at a,,orda:le rate+ to rural cu+to-er+< T7e &ank 7a+ al+o adopted a
2A
9alue4c7ain approac7/ 67erein end4to4end +olution+ are :eing pro9ided ,or
9ariou+ +take7older+< It al+o o,,er+ 9ariou+ cu+to-i;ed +olution+ to -eet t7e
regional re>uire-ent+<
=INANCIAL INCLUSION
T7e &ank percei9e+ ,inancial inclu+ion H"IG not a+ a corporate +ocial
re+pon+i:ility or a regulator dri9en initiati9e :ut a+ a large :u+ine++
opportunity t7at lie+ untapped in t7e rural and une8plored +ection o, t7e ur:an
-arket< Till Marc7 0120/ t7e &ank 7a+ opened o9er ?<? -illion No4"rill+
account+ in o9er A/@1A 9illage+ t7roug7 a net6ork o, 25 &u+ine++
Corre+pondent+ and nearly @/111 cu+to-er +er9ice point+< T7e &ank 7a+ a
+trong pre+ence in t7e Electronic &ene,it Tran+,er HE&TG +pace and 7a+
co9ered around @/B11 9illage+ acro++ 2C di+trict+ and C +tate+ till date 6it7
o9er 3<A -illion :ene,iciarie+<
In t7e ur:an +pace/ t7e &ank 7a+ launc7ed ,inancial inclu+ion initiati9e+ in
&angalore/ C7ennai and #el7i targeting -igrant la:ourer+/ +lu- d6eller+ and
ot7er under4:anked +ector o, t7e ur:an population and 7a+ opened o9er 3<5 lac
No "rill account+< T7e &ankI+ ,inancial inclu+ion e,,ort+ are not -erely
re+tricted to launc7ing o, ,inancial inclu+ion initiati9e+ and +ourcing :a+ic No
"rill account+/ :ut to al+o pro-ote t7e +a9ing+ 7a:it+ and ena:le t7e cu+to-er+
to o:tain cu+to-i;ed +olution+ ,or t7eir ,inancial need+<
T7e &ank al+o 7a+ a range o, ot7er cu+to-i+ed product+ ,or t7i+ cu+to-er
+eg-ent like di,,erent 9ariant+ o, A8i+ Uday No "rill+ Sa9ing+ Account+/
C77ota R#/ C77ota "#/ and C77ota SIP< T7e &ank 7a+ :een one o, t7e ,ir+t
,e6 :ank+ to 7a9e tied4up 6it7 teleco- co-panie+ to o,,er re-ittance led
,inancial inclu+ion +er9ice+ on t7e -o:ile plat,or-<
HUMAN RESOURCES
T7e &ank ai-+ in creating and de9eloping 7u-an capital to reali+e it+ 9i+ion
o, nurturing a -utually :ene,icial relation+7ip 6it7 it+ e-ployee+< E-ployee
engage-ent and learning/ leader+7ip de9elop-ent/ en7ancing producti9ity and
:uilding -ultiple co--unication plat,or-+ t7u+ occupied centre +tage in t7e
&ankI+ )R o:jecti9e< T7e &ank continue+ to -aintain a +trong e-ployer :rand
in t7e ,inancial +er9ice+ +ector e+pecially on t7e ca-pu+e+ o, t7e pre-ier
:u+ine++ +c7ool+ o, t7e country< In a -ajor initiati9e/ t7e &ank launc7ed A8i+
Acade-ic Inter,ace Progra- HAAIPG 6it7 In+titution+ to o,,er young+ter+ an
under+tanding a:out t7e ,inancial +er9ice+ indu+try/ and creating KA8i+
&anker+I< So ,ar/ t7e &ank 7a+ tied up 6it7 Manipal Uni9er+ity/ NIIT/ I"&I
and .u6a7ati Uni9er+ity<
2B
A8i+ &ank 7a+ a young 6ork,orce 6it7 an a9erage age o, 0C year+< T7e e>ual
opportunity e-ployer policy o, t7e &ank contri:ute+ +trongly to t7e A8i+ &ank
:rand
2C
B!ar/ !" D2r#3t!r0
PERSON DESIGNATION
Dr8 Sanj2@ M20ra C7air-an
Sh2ha Sharma Managing #irector $ CEO
S!m M2tta% #irector
R!h2t Bha$at #irector
Ir##na ;2tta% #irector
K8 N8 Pr2th@2raj #irector
;8 R8 Kaun/2n-a #irector
S8 B8 Mathur #irector
Pra0a/ M#n!n #irector
Ra,2n/ranath Bhatta3har--a #irector
Pr!"8 Sam2r K Barua #irector
A8K8 Da0$u4ta #irector
;ara/arajan Sr2n2@a0an E#/ Corporate &anking
S!mnath S#n$u4ta E#/ Corporate Center
01
M2002!n
Cu+to-er +er9ice and product inno9ation tuned to di9er+e need+ o,
indi9idual and corporate clientele<
Continuou+ tec7nology up gradating 67ile -aintaining 7u-an 9alue+<
Progre++i9e glo:ali;ation and ac7ie9ing international +tandard+<
E,,iciency and e,,ecti9ene++ :uilt on et7ical practice+<
Cu+to-er Sati+,action t7roug7 pro9iding >uality +er9ice e,,ecti9ely and
e,,iciently<
;ISION AND ;ALUES
;202!n 9)'5
To :e t7e pre,erred ,inancial +olution+ pro9ider e8celling in cu+to-er deli9ery
t7roug7 in+ig7t/ e-po6ered e-ployee+ and +-art u+e o, tec7nology
C!r# ;a%u#0
Cu+to-er Centricity
Et7ic+
Tran+parency
Tea-6ork
O6ner+7ip
02
UNIT: A<IS BANK LIMITED
=ee9an Praka+7 &uilding
Sector 2A4&
C7andigar74 2@112A
TelE 12A04 51@0C2A
R#$20t#r#/ O""23#
KTri+7ulI/ 3
rd
"loor/ Opp< Sa-art7e+76ar Te-ple/ a6 .arden/
Elli+ &ridge/
A7-eda:ad O 3B1 11@< Tel No< E 1AC O 0@?1 C300 "a8 No< E 1AC O 0@?1 C302
E-ailE p<o;aQa8i+:ank<co-Nrajendra<+6a-inarayanQa8i+:ank<co-
(e: +iteE 666<a8i+:ank<co-
Th# C!r4!rat# O""23#
A8i+ &ank i-ited/
Corporate O,,ice/
&o-:ay #yeing Mill+ Co-pound/
Pandurang &ud7kar Marg/
(orli/ Mu-:ai 4 ?11 105
TelE H100G 0?05 0505
00
AA20 ,an !""#r0 2t0 0#r@23#0 maj!r%- 2n "!ur 4art0:
A< Per+onal
&< Corporate
C< NRI
#< Priority :anking
A8 P#r0!na%
A8i+ :ank o,,er+ 9ariou+ +er9ice+ ,or indi9idual do-e+tic cu+to-er+/ 67ic7 include+
+er9ice+ like
2< Account+
0< #epo+it+
3< oan+
?< Card+
5< "ore8
@< In9+t-ent+
A< In+urance
B< Pay-ent+
C< Ot7er +er9ice+
'8 Th# a33!unt0 !""#r#/ ,- aA20 ,an "!r 2t0 3u0t!m#r0 ar#:
Ea+yAcce++ Sa9ing+ Account
Future Stars Savings Account
Krishi Savings Account
Prime Savings Account
Prime Plus Savings Account
Basic Savings Account
Womens Savings Account (smart privilege account)
Priority :anking Account
#e-at Account
Senior citi;enI+ Account
#e,ence Salary Account
Tru+tNN.O Sa9ing+ Acoount
In+urance Agent Account
Re+ident "oreign Currency H#o-e+ticG R"CH#G Account
Pen+ion Sa9ing+ &ank Account
!OUt7 Account
34in42 Online In9e+t-ent Account
98 D#4!02t0 !""#r#/ ,- AA20 Ban:
03
a+ =2A#/ D#4!02t0
A8i+ &ank o,,er+ +i-ple rein9e+t-ent "i8ed #epo+it+ Hat 9ery co-petiti9e
intere+t rate+G/ 67ic7 can :e opened 6it7 a -ini-u- in9e+t-ent o, R+ 21/111<
Cu+to-er+ can -ake addition+ to your depo+it in -ultiple+ o, R+ 2/111 eac7<
T7e tenure o, t7eir depo+it -u+t :e a -ini-u- o, @ -ont7+<
,+ R#3urr2n$ D#4!02t0
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 -ont7ly in+tall-ent+ o, -ini-u-
R+ 2/111 and a:o9e in -ultiple+ o, R+ 511 t7erea,ter<
T7e ,i8ed nu-:er+ o, in+tall-ent+ ,or 67ic7 a depo+itor can opt are 20/ 0?/
3@/ 3C/ ?B/ @1/ @3/ A0/ B?/ C@/ 21B and 201 -ont7+<
Tran+,er o, Account+ 4 a recurring depo+it account can :e tran+,erred ,ro-
one o,,ice o, t7e &ank to anot7er :ranc7<
T7e a-ount o, in+tall-ent once ,i8ed/ cannot :e c7anged<
In+tall-ent ,or any calendar -ont7 i+ to :e paid on or :e,ore t7e la+t
6orking day o, t7e -ont7< (7ere t7ere i+ delay in pay-ent o, in+tall-ent/
one can regulari+e t7e account :y paying t7e de,aulted in+tall-ent toget7er
6it7 a penalty Hat pre+ent it i+ Q PR plu+ ? J ,or t7e period o,
delayG<"raction o, a -ont7 6ill :e treated a+ ,ull -ont7 ,or t7e purpo+e o,
calculating t7e penalty<
T7e total a-ount repaya:le to a depo+itor/ inclu+i9e o, intere+t/ depend+ on
t7e a-ount o, -ont7ly in+tall-ent+ and t7e period o, depo+it<
3+ En3a0h 9.
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:
MaA2mum R#turn0E
Cu+to-erI+ -oney i+ no longer idle< A+ +oon a+ t7e :alance in your Sa9ing+
Account cro++e+ o9er R+ 05/111/ t7e e8ce++/ in -ultiple+ o, R+ 21/111 6ill :e
tran+,erred auto-atically to a 7ig7er intere+t earning "i8ed #epo+it Account<
T7e -aturity o, ,i8ed or ter- depo+it+ ,or-ed a+ a re+ult o, tran+,er o, -oney
,ro- t7e Sa9ing+ &ank account 6ill :e ,or a -a8i-u- period o, 2B2 day+ and
t7e intere+t 6ill :e calculated on +i-ple intere+t rate :a+i+<
MaA2mum L2Bu2/2t-E
T7e -oney parked in "i8ed #epo+it+ a+ a re+ult o, t7e a:o9e -entioned +6eep
out ,ro- your Sa9ing+ account can :e ea+ily acce++ed :y i++uing a c7e>ue/
6it7dra6ing t7roug7 ATM etc< T7e a-ount :roken ,or- your "i8ed #epo+it
6ill earn intere+t rate+ at t7e applica:le rate ,or t7e period t7at t7e depo+it 6a+
7eld 6it7 t7e &ank< T7e re-aining a-ount o, "i8ed #epo+it 6ill continue to
earn t7e contracted rate o, intere+t<
0?
/+ TaA Sa@#r =2A#/ D#4!02t
In t7e "inance &ill o, 011@/ t7e go9ern-ent 7ad announced Ta8 :ene,it+ to &ank
Ter- #epo+it+ 67ic7 are o, o9er 5 year tenure uN+ B1C o, IT Act/ 2C@2 9ide
Noti,ication Nu-:er 013N011@ and SO2001 HEG dated 0BN1AN011@<
T7e +alient point+ o, t7e +c7e-e noti,ication areL HaG "i8ed tenure 6it7out pre-ature
6it7dra6al< H:G !ear i+ de,ined a+ a ,inancial year< HcG A-ount li-ited to R+< 211
-ini-u- and R+< 211/111 -a8i-u-< HdG &ank 6ill i++ue a "i8ed #epo+it Receipt
t7at +7all :e t7e :a+i+ o, clai-ing ta8 :ene,it< HeG Ter- depo+it under t7i+ +c7e-e
cannot :e pledged to +ecure a loan<
18 L!an0 O""#r#/ ,- AA20 :
)o-e oan
Car loan
Per+onal oan
oan again+t S7are+
oan Again+t Property
oan Again+t Securitie+
oan again+t .old
Education oan
.8 Car/0 O""#r#/ B- AA20 ,an
Cr#/2t Car/0
Platinu- Ad9antage Credit Card
Platinu- Credit Card
.old credit card
Sil9er credit card
Corporate Credit Card
Tru+t c7e-i+t+ credit card
S7rira- credit card
eS7op card
Ea+y credit card
D#,2t Car/0
Priority Platinu- C7ip #e:it Card
Priority #e:it Card
Cla++ic #e:it Card
.old #e:it Card
.old Plu+ #e:it Card
&u+ine++ .old #e:it Card
05
Pr#4a2/ Car/0
Tra9el Currency Card
Payroll Card
Corporate .i,t Card
.i,t Card
Re6ard+ Card
Re-ittance Card
Meal Card
Annuity Card
58 =!r#A !""#r#/ ,- AA20 ,an
Tra@#% Curr#n3- Car/0
T7e Tra9el Currency Card gi9e+ it+ cu+to-er+ a 0?47our acce++ to -oney<
(it7dra6 ,und+ in t7e local currency ,ro- any Vi+a or Vi+a Plu+ ATMD+
HAuto-ated Teller Mac7ineG a+ 6ell a+ pay ,or all your purc7a+e+ in any
country you 9i+it/ any67ere in t7e 6orld<
OutCar/ R#m2ttan3#0
A8i+ &ank o,,er+ Out6ard Re-ittance ,acilitie+ ena:ling it+ cu+to-er+ to
re-it -oney a:road t7roug7 relia:le and >uick tran+action+<
T7ey can +end -oney a:road ,or rea+on+ -ore t7an oneE education/ -edical
purpo+e/ gi,ting/ -aintenance ,or lo9ed one+ or donation ,or a cau+e<
=!r#2$n Curr#n3- Tra@#%%#r0 Ch#Bu#0
A-erican E8pre++ Tra9elerD+ c7e>ue+ are 6idely accepted glo:ally a+ a -ode
o, pay-ent in -any part+ o, t7e 6orld< It i+ al6ay+ 6ort767ile taking +o-e o,
your ,oreign e8c7ange in tra9eler+D c7e>ue+ a+ it i+ a great :ackup to ca+7 and
card+<
=!r#2$n Curr#n3- Ca0h
Carrying +-all a-ount o, local currency or internationally accepta:le
currency 9ariant+ in 6allet 67ile tra9elling o9er+ea+ i+ rea++uring and
con9enient 4 e+pecially to -ake pay-ent+ ,or t7e +er9ice+ you -ay re>uire on
your arri9al at t7e de+tination
In/2a Tra@#% Car/
S#n/ M!n#- t! In/2a
0@
68 In@#0tm#nt S#r@23#0 !""#r#/ ,- AA20 ,an
.old Mo7ur+
Sil9er Mo7ur+
Mutual "und+
Online trading
IPOS-art
#e-at Account
BJ Sa9ing &ond+
78 In0uran3# S#r@23#0 !""#r#/:
i,e In+urance
)o-e In+urance
Motor In+urance
)ealt7 In+urance
Tra9el In+urance
&u+ine++ .uard
(8 Pa-m#nt0 0#r@23#0 !""#r#/ ,- AA20:
B2%% Pa-
A8i+ &ankD+ &ill Pay +er9ice ena:le+ you to -ake +ecure pay-ent+ ,ro- t7e
co-,ort o, your 7o-e or o,,ice< So it+ ti-e to +ay good:ye to late pay-ent
,ine+/ long >ueue+/ lo+t :ill+/ and co--i++ion+ paid to local errand :oy+<
ECS
It i+ an electronic clearing +y+te- t7at ,acilitate+ paperle++ credit N de:it
tran+action directly linked to your account and al+o pro9ide+ ,or a ,a+ter
-et7od o, e,,ecting periodic and repetiti9e pay-ent+<
T7roug7 ECS H#e:itG/ you can pay all your Utility :ill+
HelectricityNtelep7oneNMo:ile :ill+/ credit card+/ etcG/ Mutual "und HSIPG/
In+urance Pre-iu-/ oan In+tall-ent+/ credit card pay-ent+/ pay-ent+ o,
donation+ and ot7er :ill pay-ent+<
TaA #Pa-m#nt0
In t7i+ +er9ice/ Inco-e N Ot7er #irect Ta8e+/ a+ 6ell a+ Central E8ci+e $
Ser9ice Ta8R t7roug7 iConnect can :e paid ,ro- account online and can get
on4line ackno6ledge-ent o, t7e pay-ent :y 6ay o, a Cy:er Receipt/
including C7allan Identi,ication Nu-:er HCING i--ediately a,ter -aking t7e
pay-ent<
D2r#3t taA Pa-m#nt
T7e &ank i+ aut7ori;ed ,or Collection o, Inco-e or Ot7er #irect Ta8e+ on
:e7al, o, Central &oard o, #irect Ta8e+ HC&#TG 6<e<, 2 Octo:er/ 0113<
0A
P#n02!n D20,ur0#m#nt
T7e &ank i+ aut7ori;ed :y R&I and Mini+try o, #e,en+e ,or di+:ur+e-ent o,
Pen+ion to Ar-ed "orce HAr-y/ Na9y and Air "orceG per+onnel t7roug7 it+
252 aut7ori;ed :ranc7e+ acro++ t7e country<
Oth#r 0#r@23#0 !""#r#/ ,- aA20 Ban t! 2t0 2n/2@2/ua% 3u0t!m#r0 ar#:
MOBILE RE=ILL : RECHARGE AT THE ATM
An indi9idual can rec7arge 7i+ -o:ile talk ti-e at any o, our ATM+< )e
doe+nIt e9en 7a9e to :e an A8i+ &ank cu+to-er< All 7i+ need i+ a VISA de:it
or credit card< I, 7e i+ an A8i+ &ank cu+to-er/ t7en 7e can al+o u+e 7i+ A8i+
&ank de:it card H:ot7 VISA a+ 6ell a+ Ma+ter cardG<
LOCKER HUn-atc7ed protection ,or your 9alua:le+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/@anta$#0
(ide A9aila:ilityE A+ on Marc7 32/ 0121 locker+ are a9aila:le at C?? :ranc7e+
and e8ten+ion counter+<
ocker+ a9aila:le in 9ariou+ +i;e+<
#irect de:it+ ,or locker rental+ ,ro- your account rid you o, t7e 7a++le in
6riting out c7e>ue+<
E8tended :anking 7our+ to operate locker+<
Co-petiti9e rental+<
ONLINE SHOPPING HSa,e and Secure internet Pay-entG
A8i+ &ank o,,er+ an indi9idual t7e con9enience o, +7opping at -any -ajor Online
+tore+ ,ro- t7e co-,ort o, 7i+ 7o-e or o,,ice< All 7e need i+ an Internet ena:led PC<
)e can c7oo+e $ t7en get 7e ite-+ deli9ered at 7i+ door+tep< )e can al+o a9ail o,
nu-erou+ online +er9ice+/ get to kno6 a:out t7e current +pecial o,,er+Ndi+count+ and
get a pre9ie6 o, t7e ne6 ite-+ added on to t7e +7el9e+ :y t7e+e online
retailer+N+er9ice pro9ider+< )e can +7op a+ -uc7 a+ 7e like and con9eniently -ake
0B
in+tant pay-ent+ :y de:iting 7i+ account t7roug7 t7e +ecured pay-ent c7annel/
iConnect O Our Internet :anking plat,or-<
IPOSMART HNo6 in9e+t in IPOI+ 6it7out letting go o, your ,und+ SG
An indi9idualI+ A8i+ &ank +a9ing+ account no6 -ake+ IPO application a +ea-le++
and 7a++le4,ree proce++< In+tead o, -o9ing out ,und+ ,ro- 7i+ account ,or application
to an IPO/ t7e a-ount can no6 +i-ply :e :locked< (7ic7 -ean+ a+ long a+ t7e IPO
+7are+ are not allotted/ t7e ,und+ +tay 6it7 7i- and 7e al+o gain intere+t on t7e-/ Plu+
7e get t7e +ecurity o, 7a9ing t7e re,und+ directly un:locked and -ade a9aila:le to
you/ in 7i+ account it+el,S
T7e a:o9e +er9ice i+ :eing -ade a9aila:le in accordance 6it7 t7e SE&I guideline+ on
AS&A HApplication+ Supported :y &locked A-ountG<
B#n#"2t0
Intere+t on ,und+ 67ic7 ot7er6i+e 6ould 7a9e -o9ed out o, your +a9ing+
account<
No need to 6rite c7e>ue+ or -ake de-and dra,t+<
Con9enient and tran+parent -anage-ent o, ,und+<
In+tant relea+e N un:locking o, ,und+ a,ter allot-ent N non4 allot-ent o, +7are+<
EDStat#m#nt
A8i+ &ank o,,er+ t7e ,acility o, E4State-ent< E4State-ent are +ecure and electronic
6ay to recei9e +tate-ent o, account+ ,ro- t7e &ank<
0C
B8 AA20 ,an !""#r0 C!r4!rat# 0#r@23#0, %2#:
'8 EA3%u02@# Ban2n$ R#/#"2n#/ D C%u,5) Curr#nt A33!unt
At a 7al, yearly a9erage :alance o, R+< 51 lac+ HR+< 05 lac+ at Se-i 4 Ur:an N
Rural :ranc7e+G/ t7i+ pre-iu- current account +-oot7ly ,ul,ill+ your daily
:anking re>uire-ent<
Main "eature+E
#edicate relation+7ip -anager
i,e+tyle :ene,it+N pri9ilege+
"ree door+tep :anking
"ree RT.S N NE"T "acility
Ca+7 Manage-ent Ser9ice+
"ree International &u+ine++ .old #e:it Card
98 ;ar2!u0 t-4#0 !" Curr#nt A33!unt0 t! 0u2t #@#r- ,u02n#00 r#Bu2r#m#nt0
likeE
T7e &ank+ o,,er+ a range o, current account product+ to -eet t7e need+
o, t7e 9ariou+ cu+to-er +eg-ent+ +uc7 a+ S-all Enterpri+e+/ Trade/
E8proer+/ Corporate and intuition+<
Nor-al Current Account
&u+ine++ Ad9antage Account
&u+ine++ Select Account
&u+ine++ Cla++ic Account
&u+ine++ Pri9ilege Account
C7annel One Account
Current Account ,or .o9t Organi+ation+
Current Account ,or &ank+
Current Account ,or &uilder+ $ Real E+tate
Capital Market Current Account
'ri+7i Current Account
&u+ine++ .lo:al Current Account
Clu: 51 Current Account
Inland Road Tran+port Current Account
Tra9el/ Touri+- and )o+pitality Current Account
ocal Current Account Current Account ,or P7ar-a
Current Account ,or C7artered Accountant+
T7e+e product+ o,,er ,le8i:ility to cu+to-er+ to c7oo+e ,ro- t7e a:o9e option
6it7 9arying -ini-u- a9erage >uarterly :alance co--it-ent+ and c7arge+
+tructure< In addition to con9entional :anking ,acilitie+/ t7e+e account+ o,,er
Multi4City at Par paya:le c7e>ue O :ook ,acility and any67ere :anking ,acility
31
acro++ o,,er Multi O city At Par paya:le c7e>ue O :ook ,acility and any 67ere
:anking ,acility acro++ :rac7e+< Cu+to-er+ can acce++ t7eir account Online
t7roug7 Corporate iConnect/ A8i+ &ankI+ Internet :anking plat,or- a+ al+o
t7roug7 Tele4&anking ,acility and can recei9e account :alance in,or-ation on
-o:ile telep7one+ and electronic -ail< Cu+to-er+ are +u:ject to tran+action
c7arge+ including c7arge+ ,or non4-aintenance o, t7e co--itted :alance+<
A8i+ &ank :ring+ di,,erent kind+ o, current account+ ,or di,,erent type+ o,
:u+ine++e+ +elect t7e one t7at :e+t +uit+ an indi9idualI+ :u+ine++ re>uire-ent+<
A8i+ &ankI+ Current Account ca-e e>uipped 6it7 t7e ,ollo6ing ,eature+ to
gi9e -a8i-u- 9alue ,or an indi9idualI+ -oney<
=#atur#0
An-Ch#r# Ban2n$
A8i+ &ankI+ Current Account allo6+ an indi9idual to :ank ,ro- all A8i+
&ankI+ :ranc7e+ and E8ten+ion counter+< An indi9idual can depo+it ca+7/
6it7dra6 ca+7/ depo+it c7e>ue/ and i++ue Kat4parI c7e>ue+ at any o, A8i+
&ankI+ :ranc7e+< So :ank at an indi9idualI+ o6n Con9enience<
In0tant =un/ Tran0"#r
An indi9idual can tran+,er ,und+ in+tantly :et6een any o, A8i+ &ankI+
:ranc7e+< "und+ tran+,er+ can :e a,,ected online/ rig7t ,ro- an indi9idualI+
t7roug7 A8i+ &ankI+ internet :anking +er9ice+<
Int#rn#t Ban2n$
A8i+ &ank pre+ent+ corporate iConnect O a uni>ue net &anking plat,or- ,or t7e
current account cu+to-er+< A9aila:le 6it7 -ultiply u+er I#+/ depending on an
indi9idualI+ need+< Acce++ an indi9idualI+ account at any ti-e ,or- any67ere<
An indi9idual can tran+,er ,und+ to 7i+ o6n account+ or to t7ird party account+
6it7in A8i+ &ank $ Inter &ank co9ering o9er 05/111 :ranc7e+ o, 9ariou+
:ank+< Corporate iConnect al+o per-it+ tran+action initiation :y one u+er and
appro9al :y anot7er< An indi9idual can al+o e8cu+e :ulk pay-ent+ like +alary
32
and co--i++ion acro++ A8i+ &ank net6ork rig7t ,or- 7i+ de+ktop<
AtDPar &Mu%t232t-+ Ch#Bu#,!!
Enjoy t7e :ene,it+ o, Multicity C7e>ue:ook 6it7 A8i+ &ankI+ current
Account+< An indi9idual can+ i++ue c7e>ue+ paya:le at par at all A8i+ &ankI+
:ranc7e+ acro++ t7e country< An indi9idualI+ c7e>ue+ 6ill :e treated a+ local
c7e>ue+ at -ore t7an 3A5 location+ a+ on =anuary 32/ 011B<
ATM !r D#,2t Car/
(it7 e9ery Current Account H"or proprietary and partner+7ip concern+G/ An
indi9idual can a9ail upto 0 ATM cu- #e:it card+/ 67ic7 allo6 an indi9idual
round t7e clock acce++ to 7i+ account ,ro- any o, all A8i+ &ankI+ ATM+ all
o9er t7e country< An indi9idual can 6it7dra6 upto R+ ?1/111 a day<
=r## M!nth%- A33!unt Stat#m#nt
&y courier and daily on e-ail<

M!,2%# Ban2n$
Mo:ile &anking 6ill ena:le an indi9idual to :ank 6it7 A8i+ &ank t7roug7 7i+
-o:ile p7one irre+pecti9e o, 67ere an indi9idual are<
"a+t track loan+ ,or SME+
(ide range o, product+ ,or t7e SME +eg-ent
Organi+ed pay-ent and collection +olution+
Online ta8 pay-ent or t7roug7 9a+t :ranc7 net6ork
Mo:ile &anking +er9ice+ a9aila:le ,or Current Account
18 Cr#/2t S#r@23#0 ,- AA20 ,an:
To large Corporate+
To Agri &u+ine++E
30
"or SME unite+
Micro,inance
.8 B#02/#0 th#0# 0#r@23#0, AA20 ,an 4r!@2/#0 0#r@23#0 2n th# ar#a0 %2#:
Capital Market
Trea+ury
Ca+7 -anage-ent +er9ice+
.o9t< :u+ine++
33
C8 N!nDR#02/#nt &EAt#rna%+ NRE Sa@2n$ A33!unt
Any per+on re+ident out+ide India -ay open NRE account< T7i+ account
per-it+ a NRI to 7old and -aintain ,oreign currency earning+ in Indian rupee+<
T7e Principal and intere+t earned on t7e+e :alance+ are ,reely reporta:le<
(7et7er an indi9idual are a +tudent/ a pro,e++ional/ a +alaried e-ployee or an
entrepreneur/ t7i+ account 6ill -eet all an indi9idualI+ :anking need<
=#atur#0
o6 -ini-u- :alance re>uire-ent o, R+ 5/111
KMulticityI c7e>ue :ook 67ic7 6ill per-it An indi9idual to -ake
pay-ent 9ia c7e>ue acro++ -ultiple location+
Mandate or Po6er o, Attorney ,acility a9aila:le +o t7at in An
indi9idualI+ a:+ence ,ro- t7e country An indi9idual can aut7ori;e 7i+
relati9e or ,riend to operate conduct :anking tran+action+ on 7i+ :e7al,<
"ree iConnectE 0? % A account acce++ t7roug7 +ecure internet :anking
,acility ,ro- any67ere and anyti-e<
Online +7opping -all and utility :ill pay-ent ,acility :e u+ing A8i+
&ankI+ Internet :a+ed iConnect :anking login<
"ree per+onal accident co9er o, Indian Rupee+ 0/11/111 on A8i+ &ankI+
#e:it Card HT7e in+urance co9er 6ill co-e in ,orce only a,ter An
indi9idual -ake 7i+ ,ir+t +ucce++,ul pay-ent tran+action at any -erc7ant
e+ta:li+7-ent<GR
Ta8 Ad9i+ory Ser9ice+ ,ro- A8i+ &ankI+ e-panelled con+ultant+
A++i+tance to o:tain Inco-e Ta8 PAN Card+ to -ake an indi9idual
co-pliant 6it7 t7e ta8 regulation+ o, t7e nati9e land+<
3?
D8 Pr2!r2t- Ban2n$ E R#02/#nt
In a +eg-entation +tudy undertaken in 0110/ it 6a+ ,ound t7at 0<A0 J o, A8i+
&ankI+ retail cu+to-er+ contri:ute to nearly ?C<15J o, A8i+ &ankI+ total retail
depo+it+< T7e client+ t7at :ring a larger +7are o, :u+ine++ to t7e &ank e8pect a
di,,erentiated +tandard o, +er9ice< T7i+ al+o -ake+ :u+ine++ +en+e/ a+ -ore
o,ten t7an not/ -o+t o, t7e :u+ine++ in a particular :ranc7 ,lo6+ ,ro- a 7and,ul
o, client+< )ence/ Priority &anking 6a+ launc7ed in order to cater to t7e need+
o, t7e 7ig7 net 6ort7 cu+to-er+ 6it7in t7e :ank<
T7e product 7a+ at it+ core/ t7e idea o, pro9iding a certain :it o, di,,erentiation
in +er9ice and treat-ent to a +eg-ent o, it+ cu+to-er+ 6it7 a 9ie6 to6ard+
cu+to-er retention/ ac>ui+ition and cro++ +elling<
T7e nucleu+ o, t7e+e +er9ice+ 7a+ e++entially ,our i-portant co-ponent+
Per+onali;ed +er9ice
In9e+t-ent ad9i+ory Ser9ice+
Pre,ential pricing o, :anking product+N+er9ice+
i,e+tyle pri9ilege+<
Mo+t o, &ank+/ pri9ate a+ 6ell a+ ,oreign/ o,,er a +peciali;ed :anking +er9ice to
t7eir elite cu+to-er+< T7e de,inition o, t7e 9alue o, relation+7ip and +er9ice+
o,,ered di,,er+ acro++ :ank+< In general/ MNC :ank+ de,ine t7e )NI +eg-ent
taking into account t7e cu+to-er+I lia:ility a+ 6ell a+/ a++ail relation+7ip 6it7
t7e :ank H&et6een 01431 ak7+ and a:o9eG 67erea+ t7e Indian pri9ate :ank+
only take in t7e +a9ing+ :ank :alance+ and ter- depo+it+ H&et6een 5421 ak7+
and a:o9eG<
35
=#atur#0
Priority &anking ounge E
A+ a Priority :anking cu+to-er an indi9idual 6ill 7a9e acce++ to an e8clu+i9e
KPriority &anking oungeI at :ranc7e+< T7i+ 6ill allo6 an indi9idual to conduct
7i+ ,inancial tran+action+ in ut-o+t co-,ort and con,identiality t7roug7 an
e8clu+i9e Relation+7ip Manager<
#edicated Relation+7ip Manager
An indi9idual 6ill enjoy acce++ to a dedicated Relation+7ip Manager 67o 6ill
:e 7i+ one point contact at :ranc7 ,or all An 7i+ :anking tran+action+ t7u+
en+uring t7at An indi9idual 6ould neit7er 7a9e to -o9e ,ro- one counter to
t7e ot7er nor +tand in >ueue+ to a6ait 7i+ turn<
)o-e &anking
E8perience t7e con9enience o, A8i+ &ankI+ 7o-e :anking ,acilitie+< A9ail o,
,ree ca+7 and c7e>ue pick4up deli9ery at an indi9idualI+ or re+idence<
E8clu+i9e Priority &anking International #e:it card
T7i+ card allo6+ an indi9idual ,ree acce++ to all VISA ATM+ in Idea< T7e card
al+o co-e+ 6it7 7ig7er ATM 6it7dra6al li-it+L 7ig7er POS tran+action li-it+
at -erc7ant e+ta:li+7-ent+/ en7anced in+urance o9er and a 7o+t o, +pecial
di+count+ and o,,er+< An indi9idual al+o get Pre,ential Intere+t Rate+ and
lo6ered Proce++ing "ee+ on +elect Retail oan+<
In9e+t-ent Pri9ilege+
A9ail o, a++i+tance in ,inancial planning< In9e+t-ent ad9ice -arket in,or-ation
report+ and in9itation+ to in9e+tor -eet+ are o,,ered co-pli-entary to an
indi9idual<
i,e+tyle pri9ilege+
)o6e9er/ itI+ all a:out ju+t ,inancial +erie+< (e ai- to pro9ide a di,,erent
li,e+tyle e8perience t7roug7 i,e+tyle pri9ilege+ like e8clu+i9e in9itation+ to
-o9ie +creening+/ play+/ -u+ic concern+ and ot7er +pecial e9ent+ +pon+ored :y
A8i+ &ank/ e+pecially ,or A8i+ &ankI+ Priority &anking Cu+to-er+<
3@
Oth#r SER;ICES:
ATM
T7e :ank 7a+ 21/3@3 ATM+ a+ on 32 #ece-:er 0120< T7i+ include+ all A8i+
&ankI+ on+ite and o,,4+ite ATM+< All A8i+ &ankI+ ATM+ are connected to A8i+
&ankI+ &a+e 0? ATM +6itc7/ 67ic7 in turn interact+ 6it7 A8i+ &ankI+
centrali;ed core :anking +o,t6are ,or tran+action proce++ing<
T7e &ank t7roug7 it+ ATM+ o,,er+ t7e ,ollo6ing +er9ice+
Ban2n$ S#r@23#0:
Ca+7 (it7dra6al/ 6it7 real ti-e de:it to cu+to-erI+ account
Ca+7 $ C7e>ue+ #epo+it
&alance In>uiry
PIN C7arge
Oth#r S#r@23#0:
Mo:ile Airti-e Re,ill ,or )utc7/ Airtel/ Idea/ &P/ Cellular/ RIM/ Tata
Tele
"acility ,or Non UTI :ank VISA card 7older+ to re,ill t7eir prepaid
p7one+<
i,e In+urance Corporation Pre-iu- Pay-ent
&ill Pay-ent e<g<E &SN/ MTN
"und+ Tran+,er H6it7in o6n account+G
Online #onation+ to Tru+t+ $ N.O+
Purc7a+e and rede-ption o, UTI Mutual "und Sc7e-e+ t7roug7 t7e
ATM
3A
Strategic Tie-ups for ATM
T7ey 7a9e al+o tied up 6it7 (e+tern Rail6ay HMu-:aiG/ Central Rail6ay+
HMu-:aiG Pantaloon+/ )PC/ and &PC ,or +etting up ATM+ at t7eir location+<
Al-o+t all co+t+ related to +etting up and -aintenance o, an ATM net6ork i+
,i8ed< T7u+/ t7e c7allenge ,or t7e &ank 7a+ :een to -igrate cu+to-er+ to t7i+
c7annel and de9elop ne6 +trea-+ o, re9enue+ ,ro- t7i+ c7annel/ in order to
-ake t7e c7annel 9ia:le< T7e &ank 7a+ ac7ie9ed tre-endou+ +ucce++ in t7i+
regard< (e 7a9e :een a:le to -igrate a:out C1J o, all ca+7 di+:ur+e-ent
tran+action+ to A8i+ &ankI+ ATM+<
T! $#n#rat# /2r#3t r#@#nu# "r!m th# ATM Chann#%, th# ,an ha0 a/!4t#/
9 0trat#$2#0:
ATM S7aring 6it7 ot7er :ank+
Ne6 ,unctionalitie+ +uc7 a+ -o:ile airti-e re,ill/ :ill pay-ent $ -utual
,und +ale+ t7roug7 67ic7 A8i+ &ankI+ :ank earn+ a co--i++ion<
T7e &ank 7a+ al+o +et up ATM gallerie+ at 3 location< Eac7 o, t7e .allery 7a+ 0
ATM+ ,or t7e con9enience o, t7e cu+to-er+/ in,or-ation kio+k/ a card operated
touc74+creen internet kio+k/ t7oug7 67ic7 t7e cu+to-er+ can acce++ t7eir
iConnect account+ 6it7 :ank and per,or- t7eir :anking tran+action+ +uc7 a+
,und+ tran+,er/ :ill pay-ent/ :alance in>uiry/ etc< A :ill pay-ent kio+k 7a+ al+o
:een +et up at t7i+ gallery<
T7e ATM C7annel ,or t7e :ank 7a+ :een a -ajor cu+to-er ac>ui+ition tool/
increa+ingly t7e c7annel i+ :eing +een a+ a cu+to-er +er9icing tool and all t7e
ne6 9alue added +er9ice+ are part o, t7at initiati9e<
3B
INTERNET BANKING
Since April 0111/ t7e Internet &anking c7annel 7a+ gro6n ,a+t to co- pel-et
t7e :ranc7 and ATM net6ork< A+ o, Marc7 011@/ t7ere are around 01 lak7
u+er+ o, internet :anking/ 67ic7 a-ount+ to -ore t7an 51J o, A8i+ &ankI+
retail :anking +a9ing+ account+ cu+to-er+< Apart ,ro- routine ,unctional like
:alance and tran+action+ lookup/ 6e al+o pro9ide a nu-:er o, 9alue O added
+er9ice+ on t7e internet :anking plat,or-< A :ride de+cription o, eac7 product i+
gi9en :elo6E
B2%% Pa-m#nt
T7e :ill pay-ent +erie+ on t7e internet can :e cla++i,ied into t7ree categorie+E
Pr#0#ntm#nt !" EBPP &E%#3tr!n23 B2%% Pr#0#ntm#nt an/ Pa-m#nt+8D
Under t7i+ type o, :ill pay-ent/ t7e cu+to-er need+ to regi+ter ,or eac7
:ill< Once regi+tered/ t7e :iller 6ill +ent an electronic 9er+ion o, t7e :ill
,or acceptance and pay-ent<
D2r#3t Pa-m#nt8 4 Under t7i+ type o, :ill pay-ent/ no :ill pre+ent-ent
7appen+< T7e cu+to-er i+ ,ree to +elect t7e :iller and pay accordingly to
7i+ con9enience<
Pa-##: T7i+ a 9ariation o, direct pay-ent -et7od 6it7 t7e cu+to-er
creating 7i+ o6n :iller ,or e8a-ple/ pay-ent o, rent to landlord< T7e
landlordI+ account detail+ 6ould typically :e entered and pay-ent -ade
on a recurring :a+i+<
Sh!442n$
A cu+to-er 6it7 Internet :anking acce++ can :uy ,ro- -erc7ant+ regi+tered
6it7 u+ and pay t7roug7 t7e direct de:it ,acility on A8i+ &ankI+ 6e:+ite<
3C
MOBILE BANKING
Mo:ile :anking 6a+ launc7ed :y t7e :ank in Octo:er 011?/ 6it7in t7e la+t one
and a 7al, yearL t7e cu+to-er :a+e 7a+ gro6n to o9er ,i9e lac+ +u:+cri:er+ a+ o,
April 011@<
A8i+ &ank O,,er+ t7e Auto-atic Alert+ +er9ice in -o:ile :ankingE
A +u:+cri:er i+ alerted t7roug7 SMS on t7e acti9itie+ in 7i+ account 6it7
auto-atic alert+ ,or e9ery de:it in 7i+ account o, -ore t7an R+< 5/111< Al+o i,
t7e cu+to-er i+ regi+tered ,or :ill pay-ent+/ 7e recei9e+ an alert a+ +oon a+ a
:ill i+ pre+ented :y t7e :iller ,or pay-ent<
B#n#"2t0
Sa"#t-: &e alerted on any tran+action a:o9e R+< 5/111 in an indi9idualI+
account +o t7at action can :e initiated pro-ptly in ca+e o, any -i+u+e o, t7e
account<
C!n@#n2#n3#: 'no6 t7e +tatu+ o, t7e account ,ro- 67ere9er an indi9idual are<
?1
SER;ICES ADDED TO GAIN COMPETETI;E AD;ANTAGE:
BUSINESS CONTINUITY CENTRE:
UTI &ank 6a+ t7e ,ir+t :ank in t7e country to +et up a &u+ine++ Continuity Centre
H&CCG in &angalore 67ic7 replicate+ t7e entire centrali;ed data:a+e 6it7 a 9ie6 to
ena:le t7e &ank to run +-oot7ly in ca+e o, any e9entuality a,,ecting t7e &ankI+ #ata
Centre in Mu-:ai< Eac7 tran+action t7at get+ recorded at t7e #ata Centre get+
re,lected al-o+t in+tantaneou+ly
t7roug7 (AN on t7e :ack4up data:a+e at t7e &CC<
CENTRALISED PHONE BANKING CENTRE
T7e &ankI+ Centrali;ed P7one &anking Centre pro9ide+ cu+to-er+ acro++ t7e country
acce++ to t7e &ank o9er t7e p7one/ 7andling -ultiple >uerie+ in a:out A111 call+ per
day<
CENTRALISED COLLECTION AND PAYMENT HUB
T7e &ankI+ Centrali;ed Collection and Pay-ent )u: HCCP)G -anage+ t7e entire
collection and pay-ent acti9ity under t7e &ankI+ Ca+7 Manage-ent Ser9ice+ HCMSG
acro++ t7e country/ 7andling on an a9erage a:out R+<5111 crore+ per -ont7 on t7e
collection ,ront and a:out R+<2511 crore+ per -ont7 on t7e pay-ent ,ront<
RETAIL ASSETS MANAGEMENT GROUP
T7e &ankI+ Retail A++et+ Manage-ent .roup HRAM.G i+ t7e operation+ 7u: o, t7e
entire Retail a++et di+tri:ution +tructure< In addition to opening and di+:ur+ing -ore
t7an 3111 +c7e-atic loan+ e9ery -ont7/ it i+ re+pon+i:le ,or t7e -aintenance o, -ore
t7an 211/111 +uc7 loan account+/ and 7andle+ t7e entire po+t O dated c7e>ue
pre+entation and +e9eral kind+ o, repay-ent+ ,or all t7e+e account+<
ATM BACKEND CELL
T7e ATM &ackend Cell 7andle+ t7e entire ca+7 -anage-ent and reconciliation o,
:alance+ pertaining to ATM+ acro++ t7e country and end+ up tallying o9er ,our lak7
tran+action+ :y t7e end o, t7e day<
?2
SER;ICE BRANCHES
T7e &ankI+ Ser9ice &ranc7e+ in t7e B -ajor -etro+ take care o, centrali;ed clearing
acti9ity/ 7andling -ore t7an one lak7 c7e>ue+ e9ery day ,or out6ard and in6ard
clearing<
DATA CENTRE
T7e &ankI+ #ata Centre in Mu-:ai/ t7e centrali;ed IT po6er7ou+e i+ like t7e central
ner9ou+ +y+te- o, t7e &ank< It i+ a real ti-e 0?8A +etup/ 67ic7 -anage+ 0A1 product+
and +er9ice+ o, t7e :ank 6it7 a data:a+e +i;e o, 2B51 .& +upporting on an a9erage ?0
lak7 tran+action+ per day/ to +er9ice o9er ?0 lak7 cu+to-er account+ and adding ne6
cu+to-er+ Q B111 per day<
CENTRALISED PROCESSING UNIT
T7e &ankI+ Centrali+ed Proce++ing Unit HCPUG i+ t7e :ack:one o, t7e &ank/
-anaging production and deli9ery o, t7e entire range o, deli9era:le+ to cu+to-er+
acro++ t7e country 6it7in 0? O A0 7our+ ,ro- t7e ti-e t7e cu+to-er open+ t7e account<
T7e CPU currently 7andle+ a:out B511 ne6 account+ e9ery day<
?0
RESEARCH METHODOLOGY
?3
18 RESEARCH METHEDOLOGY
18' TITLE O= STUDY
189 DURATION O= PROFECT
S7ort ter- project<
181 OBFECTI;ES O= STUDY
&anking and ,inance can :e called a+ t7e ner9e+ o, any econo-ic +y+te- a+
t7ey accelerate t7e proce++ o, econo-ic de9elop-ent t7roug7 canali;ation o,
ade>uate ,inace< It i+ 7ard to anticipate de9elop-ent o, e,,icient :anking
+er9ice+ in t7e country< No dou:t ,inancial in+titution+ play +o i-portant in
econo-ic de9elop-ent :ut at t7e +o-e ti-e econo-ic de9elop-ent deter-ine+
t7e gro6t7 and de9elop-ent o, :anking in+titution+ t7e role o, 9ariou+ kind o,
:anking in+titution< In econo-ic de9elop-ent need not :e e-p7a+i;ed<
Main o:jecti9e o, t7e +tudy i+ to Critical apprai+al o, product $ +er9ice+
o,,ered :y a8i+ :ank<* So-e o, t7e -ajor o:jecti9e+ o, t7e +tudy include t7e
deter-ination o, t7e ,ollo6ingE
Con+u-er a6arene++ a:out t7e product+ and +er9ice+ pro9ided :y t7e
a8i+ :ank<
Con+u-er pre,erence a:out 9ariou+ product+ and +er9ice+<
Cu+to-erI+ perception to6ard+ pri9ate &anking and t7eir e8pectation+
,ro- pri9ate :ank+<
Cu+to-er +ati+,action 6it7 t7e +er9ice pro9ided :y t7e :ank<
#ra6 out 6it7 conclu+ion+ and +ugge+tion :a+ed on t7e analy+i+ and t7e
interpretation o, data<
??
18. TYPE O= RESEARCH
Re+earc7 i+ one o, t7e -o+t i-portant part+ o, any +tudy and pertain+ to t7e
collection o, in,or-ation and kno6ledge< Marketing re+earc7 i+ de,ined a+ t7e
+y+te-atic de+ign/ collection/ analy+i+/ and reporting o, data and ,inding+
rele9ant to a +peci,ic -arketing +ituation ,acing t7e co-pany< My project 7a+
:een de9eloped on 7a+ :a+i+ o, :ot7 #A4%!rat!r- and /#03r24t2@# re+earc7< T7e
re+earc7 proce++ depend+ upon de9eloping t7e -o+t e,,icient plan ,or gat7ering
t7e needed in,or-ation< #e+igning a re+earc7 plan call+ ,ro deci+ion+ on t7e
data +ource+/ re+earc7 approac7e+/ re+earc7 in+tru-ent+/ +a-pling paln/ and
contact -et7od+<
185 SAMPLE SI:E AND METHOD O= SELECTING
SAMPLE
I c7o+e a +a-ple +i;e o, ?1 re+pondent+ con+i+ting o, :a+ed on judg-ent
+a-pling All re+pondent+ 6ere t7e cu+to-er+ o, A8i+ &ank< T7e -et7od 6a+
+i-ple rando- +a-pling<
Data S!ur3#
"or t7i+ project :ot7 pri-ary and +econdary data 6ere 9alua:le +ource+ o,
in,or-ation<
S#3!n/ar- /ata
Secondary data pro9ide+ a +tarting point ,or any re+earc7 and o,,er+ 9alua:le
+ource+ o, already e8i+ting in,or-ation< Secondary data are t7e ea+ie+t to gat7er
and t7e co+t o, collecting t7i+ data i+ al+o 9ery lo6< "or -y project 6ork it 6a+
collected t7roug7 t7e 7elp o, 9ariou+ directorie+ o, 9ariou+ a++ociation+/
-aga;ine+/ ne6+paper+/ 6e:+ite+ etc< T7e directorie+ 7elped -e in +7ort li+itng
people/ ,or -y target people<
?5
So-e o, t7e directorie+ -ade u+e o, are a+ ,ollo6+E
Telep7one directory
Inco-e ta8 o,,ice
City directory
C7artered accountant directory
Carpet indu+trie+ directory
Indian -edical a++ociation directory
Tran+porter directory
a6yer+ directory
&uilder+ $ con+tructor+ directorie+
Pr2mar- /ata
Pri-ary data are data ,re+7ly gat7ered ,or a +peci,ic purpo+e< "or -y project
6ork t7e pri-ary data 6a+ collected :y -ean+ o, +ur9ey t7oug7 >ue+tionnaire+<
C!nta3t m#th!/0
Once t7e client 7ad :een decided no6 -y ta+k 6a+ 7o6 to contact t7e-/ and
,or -e t7ere only t6o 6ay+ o, contacting t7e-<
2< P#r0!na% 2nt#r@2#C:D t7i+ -et7od 6a+ t7e -o+t appropriate 6ay
o, +ur9ey/ :ecau+e :y per+onal inter9ie6 I ca-e to kno6 a:out
t7eir ,eeling ,or A8i+ &ank<
0< T#%#4h!n#:D T7i+ -et7od 6a+ al+o u+ed :y -e once or t6ice/
keeping in -ind t7e :u+y +c7edule o, a ,e6 re+pondent+<
186 SCOPE O= STUDY
A8i+ &ank i+ one o, t7e -o+t ,a-ou+ :ank+ in India< T7e 9ariou+ product+ and
+er9ice+ o,,ered :y it includeE
PRODUCT
#epo+it+ HSa9ing account and current accountG
oan+
Card
?@
SER;ICES
ATM
Mo:ile &anking
Internet &anking
Pay-ent
Ot7er Ser9ice+
T7e depo+it -i8 o, an organi;ation e+pecially t7e Sa9ing account+ are t7e
:ack:one o, e9ery :ank a+ an ordinary -an i+ -o+t inclined to in9e+t in it due
to it+ con9enience and ea+y a9aila:ility< T7i+ project deal+ 6it7 t7e 9ariou+
cu+to-er concern+ regarding t7e+e and trie+ to +ugge+t appropriate +ugge+ting
:a+ed on conclu+ion+< I 7ope t7at t7i+ report 6ould :e a:le to +ugge+t +o-e
-ea+ure+ and dra6 attention o, :ank to6ard+ t7e area o, i-pro9e-ent<
187 L2m2tat2!n0 !" Stu/-
T7e +tudy 6a+ :a+ed on a 9ery -ode+t +a-ple +i;e 7ence cannot :e
called a+ a repre+entation o, t7e 9ie6+ and opinion o, t7e -ajority<
In a rapidly c7anging indu+try/ analy+i+ on one day or in one +eg-ent
can c7ange 9ery >uickly< T7e en9iron-ental c7ange+ are 9ital to :e
con+idered in order to a++i-ilate t7e ,inding+<
T7e conclu+ion arri9ed at are :a+ed on a 9ery le++ e8perience o,
re+earc7er in t7i+ ,ield<
?A



GUESTIONNAIRE D'
>COMPARATI;E ANALYSIS O= SA;ING AND SALARY
PRODUCTS O= A<IS BANK WITH HD=C AND ICICI BANK?
=ACTS H =INDINGS

ANALYSIS ':
T7i+ analy+i+ di+play+ t7e di9i+ion o, +a-ple according to t7e occupation< A total o,
211 people 6ere +ur9eyed<
?B
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
ANALYSISD9
)o6 t7e cu+to-er+ ,ind +alary and +a9ing+ account pro9ided :y A8i+ &ankT
ANALYSISD1
?C
#o cu+to-er+ 7a9e any ot7er product o, A%IS &AN' ot7er t7an +a9ing+ and +alary
accountT Hike ter- depo+it/ -utual ,und+/ in+urance/ 7o-e loan/ car loan etc<G
OT)ER PRO#UCT
!ES B1J
NO 01J
ANALYSISD1
Are t7e cu+to-er+ +ati+,ied 6it7 t7eir +a9ing+ and +alary accountT
ANALYSISD.
(7ic7 :ank i+ :etter in pro9iding +er9ice+ regarding tran+action+T
51
ANALYSISD5
(7ic7 i+ :etter :ank in ea+e o, acce++ H:ot7 :ranc7 $ ATMGT
ANALYSISD6
(7ic7 :ankI+ account+ pro9ide greater ,le8i:ilityT
ANALYSISD7
Are you +ati+,ied 6it7 t7e relation+7ip -anagerI+ +er9ice pro9ided :y
A8i+ &ankT
52
ANALYSISD(

ANALYSISD*
(7ic7 are t7e area+ o, i-pro9e-entT
50
=INDINGS
T7e :ank 7a+ good relation 6it7 it+ cu+to-er+< T7e cu+to-er+ are 9ery
+ati+,ied 6it7 t7e relation+7ip -anager +er9ice pro9ided :y A8i+ &ank<
T7e :ank and it+ cu+to-er+ 7a9e a long ter- relation+7ip< A8i+ &ank 7a+ t7e
tendency to retain it+ cu+to-er+ at any co+t< T7ey :elie9e t7at t7e old cu+to-er
i+ -ore pro,ita:le in+tead o, a ne6 one t7atI+ 67y t7ey try to -aintain good
and long ter- relation+ to t7eir cu+to-er+<
e++ no< o, cu+to-er u+e -o:ile :anking or net :anking<
T7e account+ o, a8i+ :ank H:ot7 +alary $ +a9ingG pro9ide great ,le8i:ility in
ter-+ o, o,,ering<
T7e account+ o, t7e+e t7ree :ank+ donIt 7a9e -uc7 di,,erence in ter-+ o,
,eature+ :ut 67en it co-e+ to +er9ice pro9iding t7e A8i+ &ank get+ an edge
:ecau+e o, t7eir great cu+to-er +er9ice+<
T7e a8i+ :ank 7a+ good no< o, :ranc7e+ and ATMI+ t7atI+ 67y it 7a+ -ore ea+e
o, acce++<
T7e cu+to-er+ o, A8i+ &ank are +ati+,ied 6it7 t7eir +a9ing+ and +alary
account+<
53
GUESTIONNAIRE E 9
CRITICA APPRAISA O" PRO#UCT $ SERVICES*
=ACTS H =INDINGS
5?
G8' Wh23h ar# $r!u4 /! -!u ,#%!n$ &A$# C20#+ I
Int#r4r#tat2!n :
A,ter looking t7i+ :ar grap7/ it can :e +aid t7e -iddle4aged group are t7e -ain
cu+to-er o, t7e :ank+ a+ t7ey occupied al-o+t A5J o, t7i+ grap7< T7e :ank 7a+
a 7uge potential in ter-+ o, t7e untapped -arket O !oung and old age group
people< )ig7 pay package+ to todayI+ e-ployed yout7 and large +a9ing 6it7 t7e
old age people He+pecially in ur:an area+G 7a+ -ade t7e- attracti9e potential
cu+to-er+<
G89 What 20 -!ur !33u4at2!nI
Int#r4r#tat2!n :
Mo+t o, t7e +er9ice cla++ people pre,er to open a Sa9ing+ Account in
co-pari+on to t7e :u+ine++ cla++ people< T7i+ -ay :e po++i:le due to t7e
,acility o, Any67ere &anking* +uiting t7eir need+ and pre,erence+<
55
G81 P%#a0# 04#32"- -!ur annua% 2n3!m#I
Int#r4r#tat2!n:
Inco-e doe+ not -ake any di,,erence a+ ,ar a+ opening t7e account in t7e A8i+
&ank i+ concerned/ a+ t7e :ar diagra- i+ 9i9idly re9ealing t7at -ore or le++
people o, e9ery +eg-ent o, inco-e group 7a9e opened and are opening t7e
account e8pert one group i<e< lo6er inco-e group 67ere e-p7a+i+ i+ re>uired
to penetrate t7i+ group +o it can :e +aid t7at t7e target group o, t7e a8i+ :ank/
+pecially ,or +a9ing account are o, e9ery +eg-ent o, inco-e group +ince it+ i+
de9oted to render :e+t +er9ice+ to it+ co+tu-er<
G8. Chat "#atur#0Jattr2,ut#0, Ch2%# !4#n2n$ an a33!unt /! -!u
#A4#3t "r!m a ,anI
Int#r4r#tat2!n:
(7en a cu+to-er 9i+it+ any :ank t7e ,ir+t and ,ore-o+t t7ing 7e e8pect+ i+ t7e
>uickne++ o, +er9ice and t7e pro-ptne++ in entertaining :y t7e :ank e-ployee<
Second t7ing cu+to-er 6i+7e+ to 7a9e i+ proper in,or-ation regarding 7i+
>uerie+< One t7i+ in t7i+ :ar al+o really +igni,icant i+/ ,actor like le++ ,or-alitie+
5@
o, docu-ent 67ile opening an account< Varietie+ o, product do not -ake a :ig
i-pact on cu+to-er :e7a9ior ,or opening an account in any :ank i, it+ +er9ice+
are e,,icient< &ut on t7e ot7er 7and :ank canIt ignore 6orking 7our+< A+ in t7i+
:ar cu+to-er 7a+ erred it< "or t7e+e +er9ice+ like :ank pre,erence +7ould :e
gi9en to -ake a pro-pt and cu+to-er ,riendly +er9ice c7annel< "or t7i+ ,ocu+
-u+t :e gi9en to -ake 6ell in,or-ed and proacti9e e-ployee along 6it7 6ork
+7ould :e e8ecuted tec7nologically rat7er t7an -anually<
G85 What 2n/ !" a33!unt /! -!u ha@# 2n AA20 Ban I
Int#r4r#tat2!n :
Sa9ing account i+ t7e leading and attracti9e product ,or t7e A8i+ :ank a+ it
occupie+ a -ajor c7unk in t7i+ :ar< It i+ clearly i-plying t7at t7i+ product 7a+
t7e a:ility to +ati+,y t7e cu+to-er+< On t7e +econd 7ad and t7e po+ition+ current
account+ and ,i8ed depo+it+ 7a+ al+o :een 7elp,ul to increa+e t7e cu+to-er :a+e
:ut +till t7eir per,or-ance+ need+ to :e i-pro9ed< One t7ing in t7i+ :ar 67ic7
i+ +igni,icant i+ t7e :u+ine++ o, t7e :ank i+ relying on only ,e6 leading
product+/ rea+on ,or t7i+ could :e/ neit7er it 7a+ li-ited range o, product+ nor
re+t o, t7e product doe+ not 7a9e -uc7 a:ility to penetrate in t7e +ti,, -arket o,
:anking o, =aipur< T7at i+ gi9ing an alar-ing -e++age to t7e -anage-ent o,
t7e :ank to go or analy;ing t7e +ituation 9ery -inutely and -u+t a+certain
67ere t7ing+ are going 6rong and ,or t7at 67at +7ort o, nece++ary +tep could
:e taken< Pro9iding :etter +er9ice+ in co-pari+on 6it7 t7e co-petitor+ i+ a
-u+t ,or e8celling in indu+try<
5A
G86 Wh! 2n"%u#n3#/ t! !4#n an a33!unt 2n AA20 Ban I
Int#r4r#tat2!n :
A+ it i+ +aid a +ati+,ied cu+to-er i+ t7e :e+t -ediu- ,or ad9erti+e-ent +ince in
t7i+ :ar ,riend+ and relati9e+ 7a9e play a key role in opening t7e account+ ,or
ot7er+/ 67ic7 i-plie+ t7at :ank real cu+to-er are +ati+,ied enoug7 6it7 t7e
,acilitie+ a9aila:le on t7e product+ and t7e +er9ice+ enjoyed :y t7e-< An
ad9erti+e-ent and :ank e-ployee+ -ore or le++ 7a+ :een good per,or-er in
t7eir re+pecti9e do-ain< It re9eal+ ad9erti+e-ent o, di,,erent -ediu-/ a+ :een a
key ,actor in generating t7e a6arene++ a:out :ank+ product a+ 6ell a+ ,acilitie+
t7at are -ade to a9aila:le on t7en in t7e people+ -ind<
G87 Y!ur r#mar !n 4r!/u3t0 !" AA20 Ban I
5B
Int#r4r#tat2!n :
A+ t7i+ :ar i+ +7o6ing at 67at le9el people are +a9ed 6it7 +a9ing account/ 6it7
it+ uni>ue ,acilitie+ ,eature+/ and a:ility to +er9e all t7e need+ o, cu+to-er
:ecau+e :y and large it can :e +aid A5J people are +aying good to +a9ing+
account+/ t7i+ i-plie+ t7at t7i+ product 7a+ :een a leading product and +till an
attracti9e product o, t7e A8i+ :ank< Rea+on ,or t7i+ could :e di,,erent type o,
,acility a++ociated 6it7 t7i+ product/ 67ic7 are reading true 9alue to t7e
cu+to-er and -arketing people are al+o 9ery -uc7 de9oted to gi9e t7e :e+t
,ro- t7i+ part< E,,ort+ -u+t :e gi9en to kno6 67y t7ey are people 67o are +till
+aying a9erage and poor a:out +a9ing account+ and 67at are t7e ,actor+ t7at are
going 6rong 6it7 t7at +eg-ent o, people<
G8( In 3!m4ar20!n t! !th#r ,an h!C C!u%/ -!u rat# AA20 Ban I
Int#r4r#tat2!n :
Rating o, any :ank depend+ on it+ o9erall per,or-ance in t7e eye o, t7e people<
T7i+ :ar i+ 9i9idly +7o6ing t7at t7e per,or-ance o, A8i+ :ank 7a+ :een good
:ecau+e in +uc7 a +7ort +pan o, itI+ e8i+tence in t7i+ city 6it7 +trong
co-petition ,ro- -ajor pu:lic +ector :ank like S&I and ot7er pri9ate :ank+/
Rea+on ,or t7i+ could :e/ it 7a+ occupied a di,,erent po+ition in t7e people -ind
6it7 it+ cu+to-er ,riendly product+ and to +er9e t7e- a e,,icient and pro-pt
:anking +y+te-<
5C
G8* H!C %!n$ /2/ -!ur Ca2t 2n Bu#u# I
Int#r4r#tat2!n :
A+ t7i+ :ar grap7 +7o6ing 5AJ people 6ait in >ueue 145 -inute+< (7ile it
+7ould :e 211J people<
G8') D! -!u th2n th# num,#r !" 3!unt#r0 a@a2%a,%# ar# 0u""232#ntI
Int#r4r#tat2!n:
A+ t7i+ :ar grap7 +7o6ing B0J people are +u,,icient< (7ile it +7ould :e 211J
people<
@1
SWOT ANALYSIS
STRENGTHS
A8i+ :ank 7a+ :een gi9en t7e rating a+ one o, top t7ree po+ition+ in ter-+ o,
,a+te+t gro6t7 in pri9ate +ector :ank+
"inancial e8pre++ 7a+ gi9en nu-:er t6o po+ition and &T4'PM. 7a+ rated
A%IS :ank a+ t7e :e+t :ank 6it7 +o-e 0@ para-eter+
T7e :ank 7a+ a net6ork o, 2/ABA do-e+tic :ranc7e+ and 21/3@3 ATM+
T7e :ank 7a+ it+ pre+ence in CA2 citie+ and to6n+
T7e :ank+ ,inancial po+ition+ gro6+ at a rate o, 01J e9ery year 67ic7 i+ a
-ajor po+iti9e +ign ,or any :ank
T7e co-panyI+ net pro,it i+ U3"!20 i+ 2/210<0A 67ic7 7a+ a increa+e o,
05<2CJ gro6t7 co-pared to 0122
WEAKNESSES
.ap+ O Majorly t7ey concentrated in corporate/ 67ole+ale :anking/ trea+ury
+er9ice+/ retail :anking
"oreign :ranc7e+ con+titute only BJ o, total a++et+
Very recently t7e :ank +tarted ,ocu+ing it+ attention to6ard+ per+onal :anking
and rural area+
T7e +7are rate+ o, A%IS :ank i+ con+tantly ,luctuating in 7ig7er -argin+
67ic7 -ake+ in9e+tor+ in an unco-,orta:le po+ition -o+t o, t7e ti-e
T7ere are lot o, ,inancial product gap+ in ter-+ o, per,or-ance a+ 6ell a+
reac7ing out to t7e cu+to-er
@2
OPPORTUNITIES
Ac>ui+ition+ to ,ill gap
In 011C/ Alliance 6it7 Motilal O+6al ,or online trading ,or 21 -illion
cu+to-er+
In 0121/ ac>uired Ena- Securitie+ P9t td O :roking and in9e+t-ent :anking
In Sep 011C/ SE&I appro9ed A8i+ A++et Manage-ent Co< ,or -utual ,und
:u+ine++
No< o, e4tran+action+ increa+ed ,ro- 1<A -illion to around 0 -illion
.eograp7ical e8pan+ion to rural -arket O B1J o, t7e- 7a9e no acce++ to
,or-al lending
?@J u+e in,or-al lending c7annel+
0?J unregulated -oney lender+
No6 nu-:er o, :ranc7e+ increa+ed to 2ABA<
a+t >uarter t7ere 6ere ?B ne6 :ranc7e+ opened acro++ t7e Nation
Since itI+ a ne6 age :anking t7ere are lot o, opportunitie+ to 7a9e t7e ad9ance
tec7nicalitie+ in :anking +olution+ co-pared to e8i+ting -ajor player+
T7e a++et+ in t7eir international operation+ are gro6ing at a 9ery ,a+ter pace
6it7 a gro6t7 rate o, CJ<
T7e concept o, ETM HE9ery67ere teller -ac7ineG :y A%IS &ank 7ad a good
re+pon+e in ter-+ o, attracting ne6 cu+to-er+ in per+onal :anking +eg-ent
THREATS
Since 011C/ R&I 7a+ increa+ed CRR :y 211 :a+i+ point+
Increa+ed repo rate re9er+e repo rate :y 51 point+ O 22 ti-e+ o, late
Increa+ing popularity o, UIP+ due to ea+e in ,und rai+ing
R&I allo6ed ,oreign :ank+ to in9e+t up to A?J in Indian :anking
.o9ern-ent +c7e-e+ are -o+t o,ten +er9iced only :y go9ern :ank+ like S&I
/Indian &ank+/ Punja: National &ank etc
ICICI and )#"C are i-po+ing +trong t7reat+ in ter-+ o, t7eir e8pan+ion in
cu+to-er :a+e :y t7eir aggre++i9e -arketing +trategie+
@0
CONCLUSION
T7e +tudy -ainly 6a+ on t7e cu+to-er orientation t7at 7o6 t7ey t7ink/ 67at
t7ey 6ant ,ro- t7eir :ank+ and 7o6 t7ey take deci+ion going to any :ank<
In t7i+ +tudy I ,ound t7at t7e :ond o, A8i+ &ank 6it7 it+ cu+to-er+ i+ 9ery
+trong/ :ecau+e A8i+ &ank -ainly ,ocu+e+ on retaining t7eir cu+to-er+<
T7i+ +tudy ,ind+ t7at 7o6e9er A8i+ &ank i+ not t7e leading pri9ate +ector :ank
:ut it+ 9a+t range o, product+ and a9aila:ility o, option+ -ake it one o, t7e
:etter :ank+ in India<
T7e :ank +7ould ,ocu+ on t7e +e-i ur:an and rural -arket :ecau+e t7e+e
-arket+ are 9ery good opportunity ,or +o-eone like A8i+ &ank 67ic7 i+ in
gro6ing ,ace< (it7out e8panding in t7e+e -arket+ A8i+ &ank can not :e a
leading :ank +o t7ey +7ould ,ocu+ on t7i+ -arket<
T7e :ank +7ould ,ocu+ on -a++ :anking in order to increa+e t7eir -arket
+7are< T7ey +7ould launc7 +uc7 product+ 67ic7 6ould :e 6it7in t7e reac7 o,
t7e lo6er -iddle cla++
T7e :ank +7ould pay -ore attention on gi9ing update+ and +7ould increa+e t7e
le9el o, +er9ice pro9iding :ecau+e t7e co-petitor+ o, a8i+ are :etter in t7i+
area<
T7e :ank +7ould try to increa+e t7e u+e o, tec7nology like -o:ile and net
:anking a-ong it+ cu+to-er+<
@3

RECOMMENDATION H SUGGESTIONS
Mo+tly +er9ice cla++ per+on+ pre,er t7e a8i+ :ank in t7e co-pari+on o,
:u+ine++ and +tudent+ and ot7er cla++ per+on+ t7u+ it need+ to pro-ote it+
product and +er9ice+ t7at are o,,ered -ainly ,or t7e :u+ine++ cla++
people and +tudent+< &ecau+e t7e+e t6o cla++ ,or-+ -ajor u+er+ o, t7e
:anking +er9ice+<
A8i+ :ank i+ nor-ally not u+ing properly ,or t7e current account +o it+
popularity ratio i+ >uite do6n< T7i+ :ank nor-ally u+ing ,or t7e long
ter- planning like +a9ing and "#<
T7i+ :ank i+ not in9e+ting -ore into t7e -arketing +ector +o I 6ill
+ugge+t t7at +o-e o, t7e part o, inco-e it in9e+ting in t7e ad9erti+ing
and -arketing +ector<
Into t7e co-pari+on o, ot7er :ank it+ per,or-ance i+ >uite good :ut not
an e,,ecti9e +o t7i+ -ay :e doing t7e rate+ 6ere do6n 6it7 +o-e ot7er
,acilitie+<
@?
APPENDI<
@5
APPENDI<
GUESTIONNAIRED '
Na-eVVVVVVVVVVVV< Addre++ VVVVVVVVVV
.enderVVVVVVVV VVVVVVVVVVVVV<<<
Age VVVVVVVVVVVV<< Occupation VVVVVVVVVV
2< (7ic7 inco-e group do you :elong toT
aG e++ t7an 51/111 p<a<
:G 51/111 to 2/ 11/111 p<a<
cG 2/ 11/111 to 3/ 11/111 p<a<
dG 3/ 11/111 to 5/ 11/111 p<a<
eG More t7an 5/ 11/ 111 p<a<
0< )o6 t7e cu+to-er+ ,ind t7e +alaryN+a9ing account+ pro9ided :y A8i+ &ankT
aG 9ery good
:G good
cG e8cellent
dG poor
eG +ati+,actory
3< #o you 7a9e any ot7er product o, a8i+ :ank ot7er t7an +alaryN+a9ing accountT
aG !e+
:G No
?< Are you +ati+,ied 6it7 your +alaryN+a9ing accountT
aG !e+
:G No
5< (7ic7 :ank 7a+ ea+e o, acce++T
aG A8i+ :ank
:G )#"C &ank
cG ICICI :ank
@< (7ic7 :ank o,,er+ you t7e ,le8i:ility in it+ product+T
aG A8i+ &ank
:G )#"C &ank
cG ICICI &ank
A< (7ic7 i+ t7e area o, i-pro9e-ent ,or A8i+ &ankT
aG Product+
:G RM
cG Ser9ice+
dG Tec7nology
eG Update+
@@
GUESTIONNAIRE D9
Na-eVVVVVVVVVVVV< Addre++ VVVVVVVVVV
.enderVVVVV VVVVVVVVVVVVV<<<
Age VVVVVVVVVVVV<< Occupation VVVVVVVVVV
U<2 (7ic7 age group do you :elongT
aG e++ t7an 05
:G 05 to ?1
cG ?1 to 55
dG A:o9e 55
U<0 (7at i+ your occupationT
aG Ser9ice
:G &u+ine++
cG Student
dG Ot7er+
U<3 Plea+e +peci,y your annual inco-eT
aG e++ t7an 2 lak7
:G 2 to 0 lak7
cG 0 to 3 lak7
dG 3 to ? lak7
eG More t7an ? lak7
U<? (7at ,eature+Nattri:ute+/ 67ile opening an account do you e8pect ,ro- a
:ankT
aG Uuick Ser9ice+
:G Variety o, product+
cG e++ ,or-alitie+ o, docu-ent+
dG (orking 7our+
eG Proper in,or-ation
@A
U<5 (7at kind o, account do you 7a9e in A8i+ &ankT
aG Sa9ing Account
:G Current Account
cG "i8ed #epo+it+
dG NR Account
U<@ (7o in,luenced to open an account in A8i+ &ankT
aG &ank E-ployee+
:G Pro+pectu+
cG Ad9erti+e-ent
dG "riend and Relati9e 6ould you reco--end
U<A !our re-ark on product+ o, A8i+ &ankT
aG E8cellent
:G .ood
cG A9erage
dG Poor
U<B In co-pari+on to ot7er :ank 7o6 6ould you rate A8i+ &ankT
aG E8cellent
:G .ood
cG A9erage
dG Poor
eG CanIt Say
U<C )o6 long did your 6ait in >ueueT
aG 145 -inute+
:G 5421 -inute+
cG More t7an 21 -inute+
U<21 #o you t7ink t7e nu-:er+ o, counter+ a9aila:le are +u,,icientT
aG !e+
:G No
@B
BIBLIOGRAPHY
W#,02t#0
<
(((<A%IS&AN'<COM
(((<ECONOMITIMES<COM
(((<R&I<OR.
(((<)#"C&AN'<COM
(((<ICICI&AN'<COM
@C