DEPARTMENT OF TECHNICAL EDUCATION

ANDHRA PRADESH
Name : Md. Qudeer rehman
Designation : Head, CCP
Branch : DCCP
Institute : KDR, GPT Wanaparthy
Year/ semester : VI semester
Subject : Banking
Subject code : CCP-604(B)
Topic : Marketing of Banking Products
Duration : 50 mts
Subtopic : Reasons for competition
for banking products
Teaching aids : Diagrams

CCP604(B).84 1
Objectives:

On the completion of this period you would be

able to explain
 The nationalized banks policies to offer the banking
products on easy loan terms
 The reasons for attracting various customers
 To offer the ear-marked funds within the time span
to customer
 The strategies to achieve loan targets fixed by RBI
and to get appreciation
CCP604(B).84 2
Recap

The student already know:

 The modern marketing strategies of national
bankers
 The lead bank schemes to cover various customers
 The differential interest rates to be charged by
bankers
 The aims and purpose for offering bank products
 The different marketing techniques to be followed by
bankers
CCP604(B).84 3
 Reasons for offering
Banking products

Housing Educational Insuranc

personal Professional e
Loans Activities
Loans

The terms and conditions made easy to complete

formalities of surety
Every bank adopts latest customization techniques to
attract customers
Full utilization allotted funds
To achieve fixed targets and to get RBI appreciation
CCP604(B).84 4
 Differential rates
of interest to be
charged

The purpose of
loan attracts the
interest rates
Housing and
personal these loans have medium rate of interest since
loans income tax exemption in available

Educational and
professional
These loans have low rate of interest of interest
loans

Insurance
activities Service charge is to be collected
CCP604(B).84 5
 RBI guides to banks for Lead
Nation building activities bank is
given a
Nationalized bank have to fixed
open a lead bank in every loan
district target to
be
achieve
d in
time
Educated un- Loans to rural
employees Offering of loans artisans
in taluk mandal
rural
Sub urban areas Loans to small
Loans to dwakra medium
/cps trainees Loans to Farmers
skilled/semi
skilled persons
CCP604(B).84 6
Summary:

We have discussed:
 The easy times and conditions attached to banking
products
 To honor RBI guidelines and achieve pre-fixed
targets in offering banking products to rural people
suburban people
 To utilize the funds available for loans within the
fixed time
 To get appreciation by RBI authorities in nation
building activities
CCP604(B).84 7
Assignment:

3. Explain the RBI guide lines to the national

banks for nations building activities
4. Explain the loans facilities offered by banks:
 Rural artisans
 Educated un-employees
 Skilled semi-skilled personal loans
 Sole trader loans

CCP604(B).84 8
Quiz:
 To start single man’s business in pan shop
/STD/internet centers the lead bank offer loans
(true\ false)
Answer false
 The small medium farmers get subsidy on their loans
(true\ false)
Answer true
 The dwakra women trainees get bank loans to
supplement their income
(true\ false)
Answer true CCP604(B).84 9
Frequently asked questions

1. Explain in four sentences the followings:

a. loans to rural artisans
b. Semi skilled personal loans
c. Loan to dwakra women trainees
2. Explain in four sentences the followings
a. lead bank loan schemes
b. RBI guide lines to led bank
c. Loans to small farmers

CCP604(B).84 10