8. Axis Bank With Its Competitors.doc

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A

Project Report

On

“COMPERATIVE ANALYSIS OF PRODUCTS & SERVICES OF AXIS

BANK IT! ITS COMPETITORS"

Un#ert$%en $t

Submitted in partial fulfillment for the

Award of degree of

M$ter o' B()ne A#*)n)tr$t)on

Submitted By:

Sanoj Kumar Dash

Roll No. : 13MBAS09098

Submitted to:

DDCE, SAMBALPUR UN!ERS"#

+



E$AMNER%S CER"&CA"E

T,e Project report o' S$noj K(*$r D$, “Com'e()ti*e A+)lyi o-

P(odut / Se(*ie o- Ai B)+ 2it it Com'etito(" ) $ppro-e#

$n# ) $ccept$./e )n 0($/)t1 $n# 'or*2

+te(+)l E)mi+e( Ete(+)l E)mi+e(

3



DECLARATION

I, Sanoj Kumar Dash student of “MMET, Bhawanipatna” hereby declare that

the project entitled “COMPERATIVE ANALYSIS OF PRODUCTS & SERVICESOF AXIS BANK IT! ITS COMPETITORS” is the original work done by me

and the information provided in the study is authentic to the best of my

knowledge. This study report has not been submitted to any other institution

or University for the award or any other degree.

!anoj "umar #ash$

4



CERTIFICATE

T,) ) to cert)'1 t,$t t,e project t)t/e# “C4MPERA"!E ANAL#SS 4& PR4DUC"S

/ SER!CES 4& A$S BAN5 6"7 "S C4MPE""4RS" ) $n $c$#e*)c 5or%

#one .1 S)+o 5um)( D) (.*)tte# )n t,e p$rt)$/ '(/')//*ent o' t,e re0()re*ent

'or t,e $5$r# o' t,e #e6ree o' M$ter o' B()ne A#*)n)tr$t)on 'ro* DDCE7

S$*.$/p(r Un)-er)t17 (n#er *1 6()#$nce & #)rect)on2

P)+) C)u)+

8Br$nc, M$n$6er9

:

!tatue !%aure,

&ear 'alace, "alahandi,

(hawanipatna)*++-

disha



AC5N46LEDEMEN"

I 5), to e;pre *1 6r$t)t(#e to AXIS BANK 'or 6)-)n6 *e $n opport(n)t1 to

.e $ p$rt o' t,e)r etee*e# or6$n)<$t)on $n# en,$nce *1 %no5/e#6e .16r$nt)n6 per*))on to #o project (n#er t,e)r 6()#$nce2

I $* #eep/1 )n#e.te# to *1 6()#e7 M(. P)+) C)u)+7 Br$nc, M$n$6er7

AXIS B$n%7 'or ,) -$/($./e $n# en/)6,tene# 6()#$nce2 !e pro-)#e# *e 5)t,

t,e opport(n)t1 to /e$rn )n t,e .$n% $n# p$re# ,) -$/($./e t)*e to ,e/p *e2

M1 pec)$/ t,$n% to M(. Mi+)i S)t')ty7 Dep(t1 M$n$6er7 AXIS B$n%7

'or pro-)#)n6 6re$t (pport $n# ,e/p 5,ene-er 5$ re0()re#2

A pec)$/ t,$n% to *1 '$c(/t1 6()#e, Su)+t) B)(i 'or .e)n6 t,e c,)e'

'$c)/)t$tor o' t,) project $n# ,e/pe# *e en,$nce *1 %no5/e#6e )n t,e ')e/# o'

.$n%)n6 ector2

T,) project ,$ .een po)./e #(e to t,e (pport o' e-er$/ 5on#er'(/

)n#)-)#($/2 I 5o(/# /)%e to t,$n% *$n1 (n%no5n )n#)-)#($/7 5)t, 5,o* I

)nter$cte#2 A// o' t,e* 5)t, t,e)r #(e cooper$t)on $n# *ot)-$t)on *$#e t,e

co*p/et)on o' t,) project (cce'(/2 I 5o(/# /)%e to t,$n% t,e* $//2

L$t .(t not t,e /e$t I $* ,)6,/1 o./)6e# to *1 'r)en# $n# co//e$6(e 'or t,e)r

,e/p $n# (pport2 T,e /e$rn)n6 #(r)n6 t,e project 5$ )**ene $n# -$/($./e2

Sanoj Kumar Dash

=



CER"&CA"E 4& APPR4!AL

This is to Certi! that the "roje#t Report Entit$e%&

'C4MPERA"!E ANAL#SS 4& PR4DUC"S / SER!CES 4& A$S BAN5 6"7

"S C4MPE""4RS(

S(.*)tte# .1 Sanoj Kumar Dash 8Ro// No2 +4MBAS>?>?@97 S$*.$/p(r Un)-er)t17B(r/$ to5$r# p$rt)$/ '(/')//*ent o' t,e re0()re*ent 'or t,e $5$r# o' t,e #e6ree o'

M$ter o' B()ne A#*)n)tr$t)on ) $ .on$ ')#e recor# o' t,e 5or% c$rr)e# o(t .1

,)* (n#er t,e $./e 6()#$nce o' M(. Su)+t) B)(i 7 F$c(/t17 MMET7 B,$5$n)p$tn$2

8Appro-$/ o' t,e center #)rector9

Center D)rector



C4N"EN"S

S2NO2 PARTICULARS

+ INTRODUCTION To T,e In#(tr1

3 INTRODUCTION TO t,e Or6$n)<$t)on

4 RESEARC! MET!ODOLOY

42+ TITLE OF T!E STUDY

423 DURATION OF T!E PRODUCT424 OBECTIVE OF T!E STUDY

42: TYPE OF RESEARC!

42= SAMPLE SIE AND MET!OD OF SELECTIN AMPLE

42 SCOPE OF STUDY

42 LIMITATION OF STUDY

: FACT & FINDINS

= ANALYSIS & INTERPRETATION

SOT

CONCLUSION

@ RECOMMENDATION & SUESTION

? APPENDIX

+> BIBLIORAP!IES



N"R4DUC"4N "4 "7E

NDUS"R#

@



BAN5N N NDA

)t,o(t $ o(n# $n# e''ect)-e .$n%)n6 1te* )n In#)$ )t c$nnot ,$-e $ ,e$/t,1

econo*12 T,e .$n%)n6 1te* o' In#)$ ,o(/# not on/1 .e ,$/e 'ree .(t )t ,o(/# .e

$./e to *eet ne5 c,$//en6e poe# .1 t,e tec,no/o61 $n# $n1 ot,er e;tern$/ $n#

)ntern$/ '$ctor2 For t,e p$t t,ree #ec$#e In#)$ .$n%)n6 1te* ,$ e-er$/

o(tt$n#)n6 $c,)e-e*ent to )t cre#)t2 T,e *ot tr)%)n6 ) )t e;ten)-e re$c,2 It ) no

/on6er con')ne# to on/1 *etropo/)t$n or co*opo/)t$n )n In#)$2 In '$ct7 In#)$n

.$n%)n6 1te* ,$ re$c,e# e-en to t,e re*ote corner o' t,e co(ntr12 T,) ) one o'

t,e *$)n re$on o' In#)$ 6ro5t, proce2

7S"4R#:

T,e ')rt .$n% )n In#)$7 t,o(6, coner-$t)-e7 5$ et$./),e# )n +@2 Fro* +@ t)//

to#$17 t,e jo(rne1 o' In#)$n B$n%)n6 S1te* c$n .e e6re6$te# )nto t,ree #)t)nct

p,$e2 T,e1 $re $ *ent)one# .e/o5G

H P!ASE I E$r/1 p,$e 'ro* +@ to +?? o' In#)$n B$n%

H P!ASE II N$t)on$/)<$t)on o' In#)$n B$n% $n# (p to +??+

H P!ASE III In#)$n F)n$nc)$/ & B$n%)n6 Sector Re'or* $'ter +??+2

?



P7ASE :

T,e ener$/ B$n% o' In#)$ 5$ et (p )n t,e 1e$r +@2 Ne;t c$*e B$n% o' !)n#(t$n

$n# Ben6$/ B$n%2

T,e E$t In#)$ Co*p$n1 et$./),e#

• B)+ o- Be+)l ;1809<,

• B)+ o- Bomb)y;18=0< )+d

• B)+ o- M)d() ;18=39 $ )n#epen#ent (n)t $n# c$//e# )t P(eide+y B)+2

T,ee t,ree .$n% 5ere $*$/6$*$te# )n +?3> $n# m'e(i)l B)+ o- +di)

5$ et$./),e# 5,)c, t$rte# $ pr)-$te ,$re,o/#er .$n%7 *ot/1 E(rope$n

,$re,o/#er2 D(r)n6 t,e ')rt p,$e t,e 6ro5t, 5$ -er1 /o5 $n# .$n% $/o

e;per)ence# per)o#)c '$)/(re .et5een +?+4 $n# +?:@2 T,ere 5ere $ppro;)*$te/1

++>> .$n%7 *ot/1 *$//2 To tre$*/)ne t,e '(nct)on)n6 $n# $ct)-)t)e o' co**erc)$/

.$n%7 t,e o-ern*ent o' In#)$ c$*e (p 5)t, T,e B$n%)n6 Co*p$n)e Act7 +?:?

5,)c, 5$ /$ter c,$n6e# to B$n%)n6 Re6(/$t)on Act +?:? $ per $*en#)n6 Act o'

+?= 8Act No234 o' +?=92 Reer-e B$n% o' In#)$ 5$ -ete# 5)t, e;ten)-e po5er

'or t,e (per-))on o' .$n%)n6 )n In#)$ $ t,e Centr$/ B$n%)n6 A(t,or)t12 D(r)n6 t,oe

#$1J p(./)c ,$ /eer con')#ence )n t,e .$n%2 A $n $'ter*$t, #epo)t *o.)/)<$t)on

5$ /o52 A.re$t o' )t t,e $-)n6 .$n% '$c)/)t1 pro-)#e# .1 t,e Pot$/ #ep$rt*ent

5$ co*p$r$t)-e/1 $'er2 Moreo-er7 '(n# 5ere /$r6e/1 6)-en to t,e tr$#er2

P7ASE :

o-ern*ent too% *$jor tep )n t,) In#)$n B$n%)n6 Sector Re'or* $'ter )n#epen#ence2 In +?==7 )t n$t)on$/)<e# I*per)$/ B$n% o' In#)$ 5)t, e;ten)-e .$n%)n6

'$c)/)t)e on $ /$r6e c$/e epec)$//1 )n r(r$/ $n# e*)(r.$n $re$2 Secon# p,$e o'

n$t)on$/)<$t)on In#)$n B$n%)n6 Sector Re'or* 5$ c$rr)e# o(t )n +?@> 5)t, e-en

*ore .$n%2 T,) tep .ro(6,t @> o' t,e .$n%)n6 e6*ent )n In#)$ (n#er

o-ern*ent o5ner,)p2

T,e 'o//o5)n6 $re t,e tep t$%en .1 t,e o-ern*ent o' In#)$ to Re6(/$te B$n%)n6

Int)t(t)on )n t,e Co(ntr1G

+>



H 19=9: En$ct*ent o' B$n%)n6 Re6(/$t)on Act2

H 19>>G N$t)on$/)<$t)on o' St$te B$n% o' In#)$2

H 19>9G N$t)on$/)<$t)on o' SBI (.)#)$r)e2

H 19?1: In(r$nce co-er e;ten#e# to #epo)t2

H 19?9: N$t)on$/)<$t)on o' +: *$jor .$n%2

H 19@1: Cre$t)on o' cre#)t 6($r$ntee corpor$t)on2

H 19@>G Cre$t)on o' re6)on$/ r(r$/ .$n%2

H 1980G N$t)on$/)<$t)on o' e-en .$n% 5)t, #epo)t o-er 3>> crore2

A'ter t,e n$t)on$/)<$t)on o' .$n%7 t,e .r$nc,e o' t,e p(./)c ector .$n% In#)$ r$)e#

to $ppro;)*$te/1 @>> )n #epo)t $n# $#-$nce too% $ ,(6e j(*p .1

++7>>>2B$n%)n6 )n t,e (n,)ne o' o-ern*ent o5ner,)p 6$-e t,e p(./)c )*p/)c)t

'$)t, $n# )**ene con')#ence $.o(t t,e (t$)n$.)/)t1 o' t,ee )nt)t(t)on 2

P7ASE

T,) p,$e ,$ )ntro#(ce# *$n1 *ore pro#(ct $n# '$c)/)t)e )n t,e

.$n%)n6 ector )n )t re'or* *e$(re2 In +??+7 (n#er t,e c,$)r*$n,)p o'

M N$r$)*,$*7 $ co**)ttee 5$ et (p .1 ,) n$*e 5,)c, 5or%e# 'or

t,e /).er$/)<$t)on o' .$n%)n6 pr$ct)ce2

T,e co(ntr1 ) '/oo#e# 5)t, 'ore)6n .$n% $n# t,e)r ATM t$t)on2 E''ort

$re .e)n6 p(t to 6)-e $ $t)'$ctor1 er-)ce to c(to*er2 P,one .$n%)n6

$n# net .$n%)n6 ) )ntro#(ce#2 T,e ent)re 1te* .ec$*e *ore

con-en)ent $n# 5)'t2 T,e ')n$nc)$/ 1te* o' In#)$ ,$ ,o5n $ 6re$t

#e$/ o' re)/)ence2 It ) ,e/tere# 'ro* $n1 cr)) tr)66ere# .1 $n1 e;tern$/

*$croecono*)c ,oc% $ ot,er E$t A)$n Co(ntr)e (''ere#2 T,) ) $//

#(e to $ '/e;)./e e;c,$n6e r$te re6)*e7 t,e Fore)6n Reer-e $re ,)6,7

t,e c$p)t$/ $cco(nt ) not 1et '(//1 con-ert)./e7 $n# .$n% $n# t,e)r

c(to*er ,$-e /)*)te# 'ore)6n e;c,$n6e e;po(re2

++



1. NA"4NALED BAN5S N NDA

B$n%)n6 S1te* )n In#)$ ) #o*)n$te# .1 n$t)on$/)<e# .$n%2 T,e

n$t)on$/)<$t)on o' .$n% )n In#)$ too% p/$ce )n +?? .1 Mr2 In#)r$ $n#,) t,e

t,en pr)*e *)n)ter2 T,e *$jor o.ject)-e .e,)n# n$t)on$/)<$t)on 5$ to pre$#

.$n%)n6 )n'r$tr(ct(re )n r(r$/ $re$ $n# *$%e $-$)/$./e c,e$p ')n$nce to In#)$n

'$r*er2 Fo(rteen .$n% 5ere n$t)on$/)<e# )n +??2

Be'ore +??7 St$te o' In#)$ 8SBI9 5$ on/1 p(./)c ector .$n% )n In#)$2 SBI 5$

n$t)on$/)<e# )n +?== (n#er t,e SBI Act o' +?==2 T,e econ# p,$e o'

n$t)on$/)<$t)on o' In#)$n .$n% too% p/$ce )n t,e 1e$r +?@>2 Se-en *ore .$n%

5ere n$t)on$/)<e# 5)t, #epo)t o-er 3>> crore

1.3 PR!A"E BAN5S

A// t,e .$n% )n In#)$ 5ere e$r/)er pr)-$te .$n%2 T,e1 5ere 'o(n#e# )n t,e pre

)n#epen#ence er$ to c$ter to t,e .$n%)n6 nee# o' t,e peop/e2 B(t $'ter

n$t)on$/)<$t)on o' .$n% )n +?? p(./)c ector .$n% c$*e to occ(p1 #o*)n$ntro/e )n t,e .$n%)n6 tr(ct(re2 Pr)-$te ector .$n%)n6 )n In#)$ rece)-e# $ ')//)p )n

+??: 5,en Reer-e B$n% o' In#)$ enco(r$6e# ett)n6 (p to pr)-$te .$n% $

p$rt o' )t po/)c1 o' /).er$/)<$t)on o' t,e In#)$n B$n%)n6 In#(tr12 !o()n6

De-e/op*ent F)n$nce Corpor$t)on L)*)te# 8!DFC9 5$ $*on6t t,e ')rt to

rece)-e $n In pr)nc)p/eJ $ppro-$/ 'ro* t,e Reer-e B$n% o' In#)$ 8RBI9 to et

(p $ .$n% )n t,e pr)-$te ector2

Pr)-$te B$n% ,$-e p/$1e# $ *$jor ro/e )n t,e #e-e/op*ent o' In#)$n .$n%)n6

)n#(tr12 T,e1 ,$-e *$#e .$n%)n6 *ore e'')c)ent $n# c(to*er 'r)en#/12 In t,e

proce t,e1 ,$-e jo/te# p(./)c ector .$n% o(t o' co*p/$cenc1 $n# 'orce#

t,e* to .eco*e *ore co*pet)t)-e2

+3



N"R4DUC"4N "4 "7E

4RANA"4N

+4



C4MPAN# DESCRP"4N

A$S BAN5 A;) B$n% In#)$7 t,e ')rt .$n% to .e6)n oper$t)on $ ne5 pr)-$te .$n% )n +??: $'ter

t,e o-ern*ent o' In#)$ $//o5e# ne5 pr)-$te .$n% to .e et$./),e#2 A;) B$n% 5$

jo)nt/1 pro*ote# .1 t,e A#*)n)tr$tor o' t,e pec)')e# (n#ert$%)n6 o' t,e

• Un)t Tr(t o' In#)$ 8UTII9

• L)'e In(r$nce Corpor$t)on o' In#)$ 8LIC9

• ener$/ In(r$nce Corpor$t)on Lt#2

A/o 5)t, $oc)$te -)<2 N$t)on$/ In(r$nce Co*p$n1 Lt#27 t,e Ne5 In#)$ A(r$nce

Co*p$n17 T,e Or)ent$/ In(r$nce Corpor$t)on $n# Un)te# In(r$nce Co*p$n1 Lt#2

E!4LU"4N:

UTI 5$ et$./),e# )n +?: .1 $n Act o' P$r/)$*ent ne)t,er #)# t,e o-ern*ent o'

In#)$ o5n )t nor contr).(te $n1 c$p)t$/2 T,e RBI 5$ $%e# to contr).(te one,$/' o'

)t )n)t)$/ c$p)t$/ o' R = crore7 $n# 6)-en t,e *$n#$te o' r(nn)n6 t,e UTI )n t,e

)nteret o' t,e (n)t,o/#er2 T,e St$te B$n% o' In#)$ $n# t,e L)'e In(r$nce

Corpor$t)on contr).(te# += per cent o' t,e c$p)t$/ e$c,7 $n# t,e ret 5$ contr).(te#

.1 c,e#(/e# co**erc)$/ .$n% 5,)c, 5ere not n$t)on$/)<e# t,en2 T,) %)n# o'

tr(ct(re 'or $ (n)t tr(t ) not 'o(n# $n15,ere e/e )n t,e 5or/#2 A6$)n7 (n/)%e ot,er

(n)t tr(t $n# *(t($/ '(n#7 t,e UTI 5$ not cre$te# to e$rn pro')t2

In t,e co(re o' ne$r/1 'o(r #ec$#e o' )t e;)tence7 )t 8t,e UTI9 ,$ (ccee#e#

p,eno*en$//1 )n $c,)e-)n6 )t o.ject)-e $n# ,$ t,e /$r6et ,$re $n15,ere )n t,e

5or/# o' t,e #o*et)c *(t($/ '(n# )n#(tr12 T,e e*er6ence o' $ 'ore)6n e;pert

#(r)n6 t,e ett)n6 (p o' t,e UTI *$%e $n )nteret)n6 tor12 T,e $nno(nce*ent .1 t,e

t,en F)n$nce M)n)ter t,$t t,e o-ern*ent o' In#)$ 5$ conte*p/$t)n6 t,e

et$./),*ent o' $ (n)t tr(t c$(6,t t,e e1e o' Mr2 eor6e oo#7 t,e t,en Pre)#ent

o' t,e or/# B$n%2 Mr2 oo# too% $ 6re$t #e$/ o' )nteret )n t,e In#)$n ')n$nc)$/

1te*7 $ ,e 5$ one o' t,e pr)nc)p$/ $rc,)tect o' t,e ICICI7 )n 5,)c, ,) .$n%7 F)rt

Boton Corpor$t)on B$n%7 ,$# $ )<e$./e ,$re,o/#)n62 Mr2 oo# o''ere#7 t,ro(6,

Mr2 B2K2 Ne,r(7 5,o 5$ In#)$ E;ec(t)-e D)rector on t,e or/# B$n%7 t,e er-)ce

o' $n e;pert2 T,e Centre j(*pe# $t t,e o''er7 $n# $%e# t,e RBI to ,o/# (p t,e

')n$/)<$t)on o' t,e (n)t tr(t

+:



Propo$/ t)// t,e e;pert -))te# In#)$2 T,e on/1 po)nt Mr2 S(//)-$n *$#e 5$ t,$t t,e

pro-))on to /)*)t t,e o5ner,)p o' (n)t to )n#)-)#($/ *)6,t re(/t )n (nnece$r)/1

retr)ct)n6 t,e *$r%et 'or (n)t2 ,)/e *$%)n6 t,) po)nt7 ,e ,$# )n *)n# t,e pr$ct)ce

)n t,e US7 5,ere *$// pen)on '(n# $re $n )*port$nt c/$ o' c(to*er 'or t,e (n)t

tr(t2 T,e Centre $ccepte# t,e 'ore)6n e;pert (66et)on7 $n# t,e nece$r1

$*en#*ent 5ere *$#e )n t,e #r$'t B)//2 T,(7 .e6$n corpor$te )n-et*ent )n t,e

UTI7 5,)c, rece)-e# $ .oot 'ro* t,e t$; conce)on 6)-en .1 t,e 6o-ern*ent )n t,e

+??>?+ B(#6et2 Accor#)n6 to t,) conce)on7 t,e #)-)#en# rece)-e# .1 $ co*p$n1

'ro* )n-et*ent )n ot,er co*p$n)e7 )nc/(#)n6 t,e UTI7 5ere co*p/ete/1 e;e*pt

'ro* corpor$te )nco*e t$;7 $n# pro-)#e# t,e #)-)#en# #ec/$re# .1 t,e )n-et)n6

co*p$n1 5ere ,)6,er t,$n t,e #)-)#en# rece)-e#2

T,e re(/t 5$ $ p,eno*en$/ )ncre$e )n corpor$te )n-et*ent 5,)c, $cco(nte# 'or =

per cent o' t,e tot$/ c$p)t$/ (n#er US: c,e*e2 Bec$(e o' ,)6, /)0()#)t1 t,e

corpor$te ector (e# t,e UTI to p$r% )t /)0()# '(n#2 T,) $##e# to t,e -o/$t)/)t1 o'

t,e UTI '(n#2 T,e corpor$te /o..1 5,)c, per,$p (.t/1 oppoe# t,e et$./),*ent

o' t,e UTI )n t,e p(./)c ector *$#e (e o' )t 'or )t o5n .ene')t /$ter2 T,e

o-ern*entRBI po5er 6$*e t$rte# 5)t, t,e ')n$/)<$t)on o' t,e UTI c,$rter )te/'2

T,e RBI #r$'t o' t,e UTI c,$rter t)p(/$te# t,$t t,e C,$)r*$n 5)// .e no*)n$te# .1 )t7

$n# one *ore no*)nee 5o(/# .e on t,e Bo$r# o' Tr(tee2 ,)/e ')n$/)<)n6 t,e #r$'t

B)//7 t,e Centre c,$n6e# t,) t)p(/$t)on2 T,e C,$)r*$n 5$ to .e no*)n$te# .1 t,e

o-ern*ent7 $/.e)t )n Con(/t$t)on 5)t, RBI2 A/t,o(6, t,e $ppo)nt*ent 5$ to .e

*$#e )n con(/t$t)on 5)t, t,e Reer-e B$n%7 t,e o-ern*ent co(/# $ppo)nt $ peron

o' )t c,o)ce $ C,$)r*$n e-en )' t,e B$n% #)# not $ppro-e o' ,)*2

L$ter on )n 3>>3 t,e UTI 5$ ren$*e# to A;) B$n%2

+=



BUSNESS DESCRP"4N

T,e B$n% pr)nc)p$/ $ct)-)t)e $re to pro-)#e co**erc)$/ .$n%)n6 er-)ce 5,)c,

)nc/(#e *erc,$nt .$n%)n67 #)rect ')n$nce7 )n'r$tr(ct(re ')n$nce7 -ent(re c$p)t$/ '(n#7

$#-)or17 tr(tee,)p7 'ore;7 tre$(r1 $n# ot,er re/$te# ')n$nc)$/ er-)ce2

C4RP4RA"E PR4&LE

A;) B$n% ) t,e t,)r# /$r6et pr)-$te ector .$n% )n In#)$2 A;) B$n% o''er t,e ent)re

pectr(* o' ')n$nc)$/ er-)ce to c(to*er e6*ent co-er)n6 L$r6e $n# M)#

Corpor$te7 SME7 A6r)c(/t(re $n# Ret$)/ B()nee2

T,e B$n% ,$ $ /$r6e 'ootpr)nt o' +@ #o*et)c .r$nc,e 8)nc/(#)n6 e;ten)on

co(nter9 $n# +>744 ATM pre$# $cro +7+4? centre )n t,e co(ntr1 $ on 4+tDece*.er 3>+32 T,e B$n% $/o ,$ o-ere$ .r$nc,e o'')ce )n S)n6$pore7 !on6

Kon67 S,$n6,$)7 Co/o*.o7 D(.$)7 DIFC D(.$) $n# A.( D,$.)2

A;) B$n% ) one o' t,e ')rt ne5 6ener$t)on pr)-$te ector .$n% to ,$-e .e6(n

oper$t)on )n +??:2 T,e B$n% 5$ pro*ote# )n +??47 jo)nt/1 .1 Spec)')e#

Un#ert$%)n6 o' Un)t Tr(t o' In#)$ 8SUUTI9 8t,en %no5n $ Un)t Tr(t o' In#)$97L)'e

In(r$nce Corpor$t)on o' In#)$ 8LIC97 ener$/ In(r$nce Corpor$t)on o' In#)$ 8IC97

N$t)on$/ In(r$nce Co*p$n1 Lt#27 T,e Ne5 In#)$ A(r$nce Co*p$n1 Lt#27 T,e

Or)ent$/ In(r$nce Co*p$n1 Lt#2 $n# Un)te# In#)$ In(r$nce Co*p$n1 Lt#2 T,e

,$re,o/#)n6 o' Un)t Tr(t o' In#)$ 5$ (.e0(ent/1 tr$n'erre# to SUUTI7 $n ent)t1

et$./),e# )n 3>>42

)t, $ .$/$nce ,eet )<e o' R237@=73@ crore $ on 4+t M$rc, 3>+37 A;) B$n% )

r$n%e# ?t, $*on6t $// In#)$n c,e#(/e# .$n%2 A;) B$n% ,$ $c,)e-e# con)tent

6ro5t, $n# t$./e $et 0($/)t1 5)t, $ = 1e$r CAR 83>>+39 o' 4+ )n Tot$/ Aet7

4> )n Tot$/ Depo)t7 4 )n Tot$/ A#-$nce $n# := )n Net Pro')t2

T,e Corpor$te O'')ce o' A;) B$n% ) /oc$te# $t A;) !o(e M(*.$)2 A;) !o(e ,$

rece)-e# t,e Pl)ti+um% r$t)n6 $5$r#e# .1 t,e US reen B()/#)n6 Co(nc)/ 'or )t

en-)ron*ent 'r)en#/1 '$c)/)t)e $n# re#(ct)on o' c$r.on e*))on2

SUBSDARES

T,e B$n% ,$ et (p ); 5,o//1o5ne# (.)#)$r)eG

A;) Sec(r)t)e $n# S$/e Lt#2 8S)nce ren$*e# A;) C$p)t$/ Lt#29

A;) Pr)-$te E0()t1 Lt#2

A;) Tr(tee Ser-)ce Lt#2

A;) Aet M$n$6e*ent Co*p$n1 Lt#2

A;) M(t($/ F(n# Tr(tee Lt#2

A;) U2K2 Lt#2

+



PR4M4"ERS:

UTI B$n% Lt#2 ,$ .een pro*ote# .1 t,e /$r6et $n# t,e .et F)n$nc)$/ Int)t(t)on o'

t,e co(ntr17UTI2 T,e B$n% 5$ et (p IN +??4 5)t, $ c$p)t$/ o' R2 ++= crore7 5)t,• UTI contr).(t)n6 R2 +>> crore7

• LIC R2 2= crore

• IC $n# )t 'o(r (.)#)$r)e contr).(t)n6 R2 +2= crore e$c,2

A;) B$n% ) to#$1 one o' t,e *ot co*pet)t)-e $n# pro')t$./e .$n%)n6 'r$nc,)e )n

In#)$2 ,)c, c$n .e c/e$r/1 een .1 $n $n$/1) o' )t co*pre,en)-e port'o/)o o'

.$n%)n6 er-)ce )nc/(#)n6 Corpor$te Cre#)t7 Ret$)/ B$n%)n67 $n# B()ne

B$n%)n67C$p)t$/ M$r%et7 Tre$(r1 $n# Intern$t)on$/ B$n%)n62

CAP"AL S"RUC"URE

T,e B$n% ,$ $(t,or)<e# ,$re c$p)t$/ o' R2 =>> crore co*pr))n6 =>>7>>>7>>>

e0()t1 ,$re o' R2+> e$c,2 A on 4+t M$rc,7 3>+3 t,e B$n% ,$ )(e#7 (.cr).e#

$n# p$)#(p e0()t1 c$p)t$/ o' R2 :+423> crore7 cont)t(t)n6 :+473>47?=3 ,$re o' R2

+> e$c,2 T,e B$n%J ,$re $re /)te# on t,e N$t)on$/ Stoc% E;c,$n6e $n# t,e

Bo*.$1 Stoc% E;c,$n6e2 T,e DR )(e# .1 t,e B$n% $re /)te# on t,e Lon#on

Stoc% E;c,$n6e 8LSE92

DS"RBU"4N NE"64R5

T,e B$n% ,$ $ net5or% o' +@ #o*et)c .r$nc,e 8)nc/(#)n6 e;ten)on co(nter9

$n# +>744 ATM $cro t,e co(ntr17 $ on 4+t Dece*.er 3>+37 t,e net5or% o' A;)

B$n% pre$# $cro +7+4? c)t)e $n# to5n7 en$./)n6 t,e B$n% to re$c, o(t to $ /$r6e

croect)on o' c(to*er 5)t, $n $rr$1 o' pro#(ct $n# er-)ce2 T,e B$n%J

o-ere$ net5or% con)t o' : .r$nc,e )n S)n6$pore7 !on6 Kon67

DIFC D(.$) $n# Co/o*.o $n# 4 Repreent$t)-e o'')ce $t S,$n6,$)7 D(.$)7 $n#

A.( D,$.)2

BUSNESS 4!ER!E6

An o-er-)e5 o' -$r)o( .()ne e6*ent

RE"AL BAN5N

• A;) B$n% ,$ #e-e/ope# $ tron6 ret$)/ .$n%)n6 'r$nc,)e o-er t,e 1e$r2

Ret$)/ B$n%)n6 ) one o' t,e %e1 #r)-er o' t,e B$n%J 6ro5t, tr$te61 $n# )t

enco*p$e $ 5)#e r$n6e o' pro#(ct #e/)-ere# to c(to*er t,ro(6, *(/t)p/e

c,$nne/2 T,e B$n% o''er $ co*p/ete ()te o' pro#(ct $cro #epo)t7 /o$n7

)n-et*ent o/(t)on7 p$1*ent $n# c$r# to ,e/p c(to*er $c,)e-e t,e)r

')n$nc)$/ o.ject)-e2 T,e B$n% 'oc(e on pro#(ct #)''erent)$t)on $ 5e// $ $

,)6, /e-e/ o' c(to*erer-)ce to en$./e )t to .()/# )t ret$)/ .()ne2

+



• T,e B$n% ,$ cont)n(e# to #e-e/op )t r)% *$n$6e*ent c$p$.)/)t)e )n Ret$)/

.()ne7 .ot, 'ro* $ cre#)t $n# oper$t)on r)% t$n#po)nt2 T,e .r$nc,

c,$nne/ ) e''ect)-e/1 (t)/)e# 'or 6ro5)n6 t,e ret$)/ $et .()ne7 5)t, /o$n

$n# c$r# pro#(ct .e)n6 o''ere# to e;)t)n6 c/)ente/e2

• T,e 6ro5t, $re$ )#ent)')e# .1 t,e B$n% $re )n t,e $re$ o' re)#ent)$/

*ort6$6e $n# p$en6er c$r /o$n2 O' t,e tot$/ ret$)/ /o$n port'o/)o7 @@2:

) )n t,e 'or* o' ec(re# /o$n 8re)#ent)$/ *ort6$6e $n# $(to /o$n92

• T,e B$n% o''er $ 5)#e r$n6e o' p$1*ent o/(t)on to )t c(to*er )n t,e

'or* o' #e.)t c$r#7 prep$)# c$r# $n# cre#)t c$r#2 A on 4+t M$rc, 3>+37

t,e B$n% ,$ $ .$e o' $ppro;)*$te/1 +3:2?? /$c #e.)t c$r#7 p/$c)n6 )t $*on6

t,e /e$#)n6 p/$1er )n t,e co(ntr12 T,e B$n% ) $/o $ #o*)n$nt p/$1er )n

prep$)# c$r#2 A;) B$n% ,$ o-er 3 /$%, )nt$//e# EDC *$c,)ne $ ,)6,et

'or $n1 .$n% )n In#)$2

• A;) B$n% Pr)-QeJ7 $n e;c/()-e pr)-$te .$n%)n6 er-)ce o''er $#-)or17

)n-et*ent $n# /en#)n6 o/(t)on to )t c(to*er $cro +> c)t)e )n t,e

co(ntr12 Pr)-Qe 'o//o5 $ c/)ent'oc(e# )n-et*ent proce $n# $ te$*.$e#

$ppro$c, 'or *$n$6)n6 c/)ent re/$t)on,)p2 T,e re/$t)on,)p *$n$6e*ent

te$* ) (pporte# .1 $ te$* o' pro#(ct pec)$/)t7 c/)ent er-)c)n6 te$*7

)n-et*ent con(/t$nt $n# ree$rc, e;pert2 T,e pr)-$te .$n%)n6 .()ne

'oc(e on $##re)n6 .ot, t,e peron$/ $n# corpor$te $#-)or1 nee# o' $n

entreprene(r or .()ne '$*)/1 .1 .r)n6)n6 o/(t)on o''ere# .1 -$r)o(

.()ne 6ro(p $cro t,e ret$)/ $n# corpor$te .()nee 5)t,)n t,e B$n% (n#er $n )nte6r$te# p/$t'or*2

• T,e B$n% /$(nc,e# A;) B$n% e$/t,J )n 3>>@>? t$r6et)n6 c(to*er 5,o

,$-e $ tot$/ re/$t)on,)p -$/(e 5)t, t,e B$n% o' .et5een R24> /$c $n#

R23>> /$c2 T,e -$/(e propo)t)on $)* $t #e/)-er)n6 $ One B$n%J e;per)ence

to (c, c(to*er $n# ) po)t)one# $ $ co*p/ete o/(t)on )n-o/-)n6 .$n%)n67

)n-et*ent $n# $et nee#2

• T,e B$n% $/o #)tr).(te t,)r# p$rt1 pro#(ct (c, $ *(t($/ '(n#7 B$n%

$(r$nce pro#(ct 8/)'e $n# 6ener$/ )n(r$nce97 on/)ne tr$#)n67 o/# $n#S)/-er co)n t,ro(6, )t .r$nc,e2

• T,e ret$)/ .()ne o' t,e B$n% ) (pporte# .1 )nno-$t)-e er-)ce $n#

$/tern$te c,$nne/ 5,)c, pro-)#e con-en)ence o' tr$n$ct)on to c(to*er2

T,ee c,$nne/ )nc/(#e $n e;ten)-e ATM net5or%7 )nternet .$n%)n67 *o.)/e

.$n%)n6 $n# p,one .$n%)n62

+@



+te(+)tio+)l Ret)il

• Intern$t)on$/ Ret$)/ B()ne 'oc(e pec)')c$//1 on t,e o-ere$ $/e

c,$nne/7 ret$)/ 'ore)6n e;c,$n6e .()ne7 re*)tt$nce $n# ret$)/ .()nee )n

o-ere$ centre (c, $ !on6 Kon6 $n# Sr) L$n%$7 5,ere t,e B$n% ,$ $

preence2 T,e pro#(ct o''ere# )n t,e $re$ o' ret$)/ Fore; $n# re*)tt$nce

)nc/(#e tr$-e/ c(rrenc1 c$r#7 )n5$r# $n# o(t5$r# 5)re tr$n'er7 tr$-e//erJ

c,e0(e $n# 'ore)6n c(rrenc1 note7 re*)tt$nce '$c)/)t)e t,ro(6, on/)ne

port$/ $ 5e// $ t,ro(6, co//$.or$t)on 5)t, correpon#ent .$n%7 e;c,$n6e

,o(e $n# *one1 tr$n'er oper$tor2 T,e B$n% cont)n(e# to ,$-e $ *$r%et

/e$#er,)p po)t)on )n Tr$-e/ C(rrenc1 C$r# 5)t, ++ c(rrenc1 opt)on ot,er

t,$n INR .e)n6 o''ere#2 T,e $66re6$te pen# on Tr$-e/ C(rrenc1 C$r# ,$-e

croe# USD 4 .)//)on #(r)n6 t,e 1e$r 3>+3+42

BUSNESS BAN5N

• B()ne B$n%)n6 /e-er$6e t,e B$n%J tren6t, $ 5e// #)tr).(te# net5or%

o' .r$nc,e $n# $ tron6 tec,no/o61 p/$t'or* to o''er t,e .et )n tr$n$ct)on

.$n%)n6 er-)ce2 T,e B$n% o''er $ r$n6e o' c(rrent $cco(nt pro#(ct $n#

c$, *$n$6e*ent o/(t)on $cro $// .()ne e6*ent co-er)n6 corpor$te7

)nt)t(t)on7 centr$/ $n# t$te 6o-ern*ent *)n)tr)e $n# (n#ert$%)n6 $ 5e//

$ *$// $n# ret$)/ c(to*er2

• T,e B$n% ) one o' t,e top CMS pro-)#er )n t,e co(ntr12 T,e B$n% $ct $ $n

$6enc1 .$n% 'or tr$n$ct)n6 6o-ern*ent .()ne o''er)n6 er-)ce to -$r)o(Centr$/ o-ern*ent M)n)tr)e Dep$rt*ent $n# ot,er St$te o-ern*ent

$n# Un)on Terr)tor)e2

• In or#er to pro-)#e o/(t)on 'or .()ne to e''ect)-e/1 *$n$6e t,e)r '(n#

'/o57 t,e B$n% ,$ )ntro#(ce# /)0()#)t1 *$n$6e*ent o/(t)on 'or corpor$te

c(to*er2 S)*)/$r/17 $ )n6/e 5)n#o5 'or $// p$1*ent re0()re*ent 5$

/$(nc,e# 5)t, e-er$/ $#-$nce# 'e$t(re (c, $ ett)n6 $ #$)/1 tr$n$ct)on

/)*)t 'or corpor$te (er7 ett)n6 tr$n$ct)on /)*)t 'or )n#)-)#($/ .ene')c)$r)e7

pr)or)t))n6 p$1*ent *et,o#7 on/)ne top p$1*ent $n# c$nce//$t)on '$c)/)t)e2

C4RP4RA"E CRED"

• A;) B$n% ,$ .()/t $ tron6 corpor$te .$n%)n6 'r$nc,)e $cro corpor$te7

/)$.)/)t1 $n# $et .()nee2 A;) B$n% pro-)#e c(to*)<e# tr(ct(r)n6 $n#

')n$nc)n6 o/(t)on )n $ t)*e/1 $n# co*pre,en)-e *$nner to )t corpor$te

c(to*er 5)t, $ 'oc( on .()/#)n6 o(t $ ,)6, 0($/)t1 cre#)t port'o/)o2 T,e

B$n% ) $ *$r%et /e$#er )n De.t C$p)t$/ M$r%et $n# /o$n 1n#)c$t)on .()ne

$cro e6*ent7 ector $n# 6eo6r$p,)e2 T,e B$n% $/o pro-)#e '(// r$n6e

o' Tre$(r1 $n# Tr$#e F)n$nce o/(t)on to )t corpor$te c/)ent2 T,e B$n% o''er tec,no/o61 en$./e# tr$n$ct)on .$n%)n6 $n# c$, *$n$6e*ent er-)ce

+?



to c(to*er $cro o-ern*ent7 ')n$nc)$/ )nt)t(t)on $n# corpor$te

e6*ent2

• B$n%J )n'r$tr(ct(re .()ne )nc/(#e project $n# .)# $#-)or1 er-)ce7

project /en#)n67 #e.t 1n#)c$t)on7 project tr(ct(r)n6 $n# #(e #)/)6ence7

ec(r)t)$t)on $n# tr(ct(re# ')n$nce2 D(r)n6 t,e 1e$r t,e B$n% /$(nc,e# )t

')rt e-er D&BA;) B$n% In'r$ A5$r# 3>++J )n $oc)$t)on 5)t, D(n &

Br$#treet2 T,e $5$r# 'e/)c)t$te /e$#)n6 )n'r$tr(ct(re project $n#

)n'r$tr(ct(re co*p$n)e2 In Octo.er 3>+>7 t,e B$n% /$(nc,e# t,e A;) In'r$

In#e; 8AII9 5)t, t,e pr)*$r1 o.ject)-e o' con-e1)n6 $ ene o' )n-et*ent

con#)t)on )n t,e )n'r$tr(ct(re ector2 T,e In#e;7 $ $ co*po)te *e$(re o'

)n-etor con')#ence7 co*pr)e 'o(r co*ponentG '/o5 o' e0()t1 $n# #e.t

'(n# )nto )n'r$tr(ct(re ector7 project co*p/et)on $n# co**ence*ent o'

oper$t)on7 o(tp(t re/$te# to )n'r$tr(ct(re e6*ent $n# re6(/$tor1 $n# po/)c1

#e-e/op*ent re/e-$nt 'or t,e ector2 It ) #e)6ne# to c$pt(re t,e e-o/-)n6'(n#$*ent$/ o' t,e ector $n# ) (p#$te# $n# #)e*)n$te# on $ 0($rter/1

.$)2

"REASUR#

• T,e B$n% ,$ $n )nte6r$te# Tre$(r17 co-er)n6 .ot, #o*et)c $n# 6/o.$/

*$r%et7 5,)c, *$n$6e t,e B$n%J '(n# $cro 6eo6r$p,)e2 T,e B$n%J

tre$(r1 .()ne ,$ 6ro5n (.t$nt)$//1 o-er t,e 1e$r7 6$)n)n6 *$r%et ,$re

$n# cont)n()n6 to .e $*on6 t,e top ')-e .$n% )n ter* o' 'ore; re-en(e2 T,e

Tre$(r1 p/$1 $n )*port$nt ro/e )n t,e o-ere)6n #e.t *$r%et $n# p$rt)c)p$te)n t,e pr)*$r1 $(ct)on ,e/# .1 RBI2 It $/o $ct)-e/1 p$rt)c)p$te )n t,e

econ#$r1 6o-ern*ent ec(r)t)e $n# corpor$te #e.t *$r%et2 T,e 'ore)6n

e;c,$n6e $n# *one1 *$r%et #e% ) $n $ct)-e p$rt)c)p$nt )n t,e )nter.$n% FI

p$ce2 T,e B$n% ,$ .een e;p/or)n6 -$r)o( cro.or#er *$r%et to $(6*ent

reo(rce $n# (pport c(to*er cro.or#er tr$#e2 T,e B$n% ,$ e*er6e# $

one o' t,e /e$#)n6 pro-)#er o' 'ore)6n e;c,$n6e $n# tr$#e ')n$nce er-)ce2 It

pro-)#e $ 6$*(t o' pro#(ct 'or e;port $n# )*port $ 5e// $ ret$)/ er-)ce2

It c(tt)n6 e#6e tec,no/o61 pro-)#e co*pre,en)-e $n# t)*e/1 c(to*er

er-)ce2

N"ERNA"4NAL BAN5N

• T,e )ntern$t)on$/ oper$t)on o' t,e B$n% 'or* $ %e1 en$./er )n )t tr$te61 to

p$rtner 5)t, t,e o-ere$ 6ro5t, potent)$/ o' )t #o*et)c c/)ente/e7 5,o $re

-ent(r)n6 $.ro$# or re0()re nonr(pee '(n# 'or #o*et)c project2 T,e B$n%

no5 ,$ $ 'ore)6n net5or% o' 'o(r .r$nc,e 8S)n6$pore7 !on6 Kon67 DIFC

8D(.$)9 $n# Co/o*.o 8Sr) L$n%$99 $n# t,ree repreent$t)-e o'')ce 8S,$n6,$)7

D(.$) $n# A.( D,$.)9 5)t, preence )n ); co(ntr)e2 ,)/e corpor$te

.$n%)n67 tr$#e ')n$nce7 tre$(r1 $n# r)% *$n$6e*ent o/(t)on $re t,e

3>



pr)*$r1 o''er)n6 t,ro(6, t,e .r$nc,e $t S)n6$pore7 !on6 Kon67 DIFC

8D(.$)9 $n# Co/o*.o7 t,e B$n% $/o o''er ret$)/ /)$.)/)t1 pro#(ct 'ro* )t

.r$nc,e $t !on6 Kon6 $n# Co/o*.o2 F(rt,er7 t,e B$n%J (/' Cooper$t)on

Co(nc)/ 8CC9 )n)t)$t)-e )n t,e 'or* o' repreent$t)-e o'')ce )n D(.$) $n#

A.( D,$.)7 $n# $//)$nce 5)t, .$n% $n# e;c,$n6e ,o(e )n t,e M)##/e E$t pro-)#e t,e (pport 'or /e-er$6)n6 t,e .()ne opport(n)t)e e*$n$t)n6 'ro*

t,e /$r6e NRI #)$por$ preent )n t,ee co(ntr)e2

SMALL AND MEDUM EN"ERPRSES

• T,e S*$// $n# Me#)(* Enterpr)e 8SME9 e6*ent ) $ t,r(t $re$ o' t,e

B$n%2 T,e .()ne $ppro$c, to5$r# t,) e6*ent7 5,)c, ) e;pecte# to

contr).(te )6n)')c$nt/1 to econo*)c 6ro5t, )n '(t(re7 ) to .()/# re/$t)on,)p

$n# n(rt(re t,e entreprene(r)$/ t$/ent $-$)/$./e2 T,e re/$t)on,)p .$e#

$ppro$c, en$./e t,e B$n% to #e/)-er -$/(e t,ro(6, t,e ent)re /)'e c1c/e o' SME2 T,e B$n% ,$ e6*ente# )t SME .()ne )n t,ree 6ro(pG S*$//

Enterpr)e7 Me#)(* Enterpr)e $n# S(pp/1 C,$)n F)n$nce2 T,e B$n%

e;ten# 5or%)n6 c$p)t$/7 project ')n$nce $ 5e// $ tr$#e ')n$nce '$c)/)t)e to

SME2 T,e B$n% ,$ /$(nc,e# B()ne $(r$- SME A5$r#J )n $oc)$t)on

5)t, D(n & Br$#treet to reco6n)<e $n# $5$r# $c,)e-er )n t,e SME p$ce2

N&4RMA"4N "EC7N4L4#

• Tec,no/o61 ) one o' t,e %e1 en$./er 'or .()ne $n# #e/)-er1 o' c(to*)<e#

')n$nc)$/ o/(t)on2 T,e B$n% cont)n(e to 'oc( on )ntro#(c)n6 )nno-$t)-e .$n%)n6 er-)ce t,ro(6, )n-et*ent )n c$/$./e $n# ro.(t tec,no/o61

p/$t'or* t,$t #e/)-er e'')c)ent $n# e$*/e er-)ce $cro *(/t)p/e c,$nne/

'or c(to*er con-en)ence $n# cot re#(ct)on2 T,e B$n% ,$ $/o 'oc(e# on

)*pro-)n6 t,e 6o-ern$nce proce )n IT2 T,e B$n% ,$ /$(nc,e# t,e B()ne

Proce M$n$6e*ent S1te*7 $ re($./e 1te*7 5,)c, ,e/p to .()/# proce

e'')c)enc)e $cro -$r)o( $re$ o' oper$t)on2

• T,e B$n% ,$ (n#ert$%en -$r)o( tep )n or#er to $/)6n )te/' to5$r# RBI

6()#e/)ne on ec(r)t1 $n# 6o-ern$nce7 )nc/(#)n6 ett)n6 (p o' Bo$r# $n#

E;ec(t)-e /e-e/ co**)ttee $n# 5or%)n6 on IT oper$t)on $n# ot,er %e1 $re$2

ARCUL"URE

• T,e B$n% cont)n(e to #r)-e $n# e;p$n# t,e '/o5 o' cre#)t to t,e $6r)c(/t(r$/

ector2 :>+ .r$nc,e o' t,e B$n% ,$-e #e#)c$te# o'')cer 'or pro-)#)n6 '$r*

/o$n2 Pro#(ct $n# o/(t)on $re cre$te# pec)')c$//1 5)t, )*p/e 'e$t(re $n#

o''ere# $t $''or#$./e r$te to r(r$/ c(to*er2 T,e B$n% ,$ $/o $#opte# $

-$/(ec,$)n $ppro$c,7 5,ere)n en#toen# o/(t)on $re .e)n6 pro-)#e# 'or

-$r)o( t$%e,o/#er2 It $/o o''er -$r)o( c(to*)<e# o/(t)on to *eet t,ere6)on$/ re0()re*ent2

3+



&NANCAL NCLUS4N

• T,e B$n% perce)-e ')n$nc)$/ )nc/()on 8FI9 not $ $ corpor$te oc)$/

repon).)/)t1 or $ re6(/$tor #r)-en )n)t)$t)-e .(t $ $ /$r6e .()ne

opport(n)t1 t,$t /)e (nt$ppe# )n t,e r(r$/ $n# (ne;p/ore# ect)on o' t,e (r.$n

*$r%et2 T)// M$rc, 3>+37 t,e B$n% ,$ opene# o-er :2: *)//)on NoFr)//

$cco(nt )n o-er 7> -)//$6e t,ro(6, $ net5or% o' += B()ne

Correpon#ent $n# ne$r/1 7>>> c(to*er er-)ce po)nt2 T,e B$n% ,$ $

tron6 preence )n t,e E/ectron)c Bene')t Tr$n'er 8EBT9 p$ce $n# ,$

co-ere# $ro(n# 7@>> -)//$6e $cro +? #)tr)ct $n# ? t$te t)// #$te 5)t,

o-er 42 *)//)on .ene')c)$r)e2

• In t,e (r.$n p$ce7 t,e B$n% ,$ /$(nc,e# ')n$nc)$/ )nc/()on )n)t)$t)-e )n

B$n6$/ore7 C,enn$) $n# De/,) t$r6et)n6 *)6r$nt /$.o(rer7 /(* #5e//er $n#

ot,er (n#er.$n%e# ector o' t,e (r.$n pop(/$t)on $n# ,$ opene# o-er 42= /$c No Fr)// $cco(nt2 T,e B$n%J ')n$nc)$/ )nc/()on e''ort $re not *ere/1

retr)cte# to /$(nc,)n6 o' ')n$nc)$/ )nc/()on )n)t)$t)-e $n# o(rc)n6 .$)c No

Fr)// $cco(nt7 .(t to $/o pro*ote t,e $-)n6 ,$.)t $n# en$./e t,e c(to*er

to o.t$)n c(to*)<e# o/(t)on 'or t,e)r ')n$nc)$/ nee#2

• T,e B$n% $/o ,$ $ r$n6e o' ot,er c(to*)e# pro#(ct 'or t,) c(to*er

e6*ent /)%e #)''erent -$r)$nt o' A;) U#$1 No Fr)// S$-)n6 Acco(nt7

C,,ot$ RD7 C,,ot$ FD7 $n# C,,ot$ SIP2 T,e B$n% ,$ .een one o' t,e ')rt

'e5 .$n% to ,$-e t)e#(p 5)t, te/eco* co*p$n)e to o''er re*)tt$nce /e#

')n$nc)$/ )nc/()on er-)ce on t,e *o.)/e p/$t'or*2

7UMAN RES4URCES

• T,e B$n% $)* )n cre$t)n6 $n# #e-e/op)n6 ,(*$n c$p)t$/ to re$/)e )t -))on

o' n(rt(r)n6 $ *(t($//1 .ene')c)$/ re/$t)on,)p 5)t, )t e*p/o1ee2 E*p/o1ee

en6$6e*ent $n# /e$rn)n67 /e$#er,)p #e-e/op*ent7 en,$nc)n6 pro#(ct)-)t1 $n#

.()/#)n6 *(/t)p/e co**(n)c$t)on p/$t'or* t,( occ(p)e# centre t$6e )n t,e

B$n%J !R o.ject)-e2 T,e B$n% cont)n(e to *$)nt$)n $ tron6 e*p/o1er .r$n#

)n t,e ')n$nc)$/ er-)ce ector epec)$//1 on t,e c$*p(e o' t,e pre*)er .()ne c,oo/ o' t,e co(ntr12 In $ *$jor )n)t)$t)-e7 t,e B$n% /$(nc,e# A;)

Ac$#e*)c Inter'$ce Pro6r$* 8AAIP9 5)t, Int)t(t)on to o''er 1o(n6ter $n

(n#ert$n#)n6 $.o(t t,e ')n$nc)$/ er-)ce )n#(tr17 $n# cre$t)n6 A;)

B$n%erJ2 So '$r7 t,e B$n% ,$ t)e# (p 5)t, M$n)p$/ Un)-er)t17 NIIT7 IFBI

$n# (5$,$t) Un)-er)t12

• A;) B$n% ,$ $ 1o(n6 5or%'orce 5)t, $n $-er$6e $6e o' 3? 1e$r2 T,e e0($/

opport(n)t1 e*p/o1er po/)c1 o' t,e B$n% contr).(te tron6/1 to t,e A;) B$n%

.r$n#

33



Bo)(d o- Di(eto(

PERS4N DESNA"4N

D(. S)+i* Mi() C,$)r*$n

Si) S)(m) M$n$6)n6 D)rector & CEO

Som Mitt)l D)rector

Roit B))t D)rector

(ee+) !itt)l D)rector

5. N. P(it*i() D)rector

!. R. 5)u+di+y) D)rector

S. B. M)tu( D)rector

P())d Me+o+ D)rector

R)bi+d()+)t B)tt))(yy) D)rector

P(o-. S)mi( 5 B)(u) D)rector

A.5. D)u't) D)rector

!)()d)())+ S(i+i*))+ ED7 Corpor$te B$n%)n6

Som+)t Se+u't) ED7 Corpor$te Center

34



Miio+

• C(to*er er-)ce $n# pro#(ct )nno-$t)on t(ne# to #)-ere nee# o'

)n#)-)#($/ $n# corpor$te c/)ente/e2

• Cont)n(o( tec,no/o61 (p 6r$#$t)n6 5,)/e *$)nt$)n)n6 ,(*$n -$/(e2

• Pro6re)-e 6/o.$/)<$t)on $n# $c,)e-)n6 )ntern$t)on$/ t$n#$r#2

• E'')c)enc1 $n# e''ect)-ene .()/t on et,)c$/ pr$ct)ce2

• C(to*er S$t)'$ct)on t,ro(6, pro-)#)n6 0($/)t1 er-)ce e''ect)-e/1 $n#

e'')c)ent/12

!S4N AND !ALUES

!iio+ 01>

To .e t,e pre'erre# ')n$nc)$/ o/(t)on pro-)#er e;ce//)n6 )n c(to*er #e/)-er1t,ro(6, )n)6,t7 e*po5ere# e*p/o1ee $n# *$rt (e o' tec,no/o61

Co(e !)lue

• C(to*er Centr)c)t1

• Et,)c

• Tr$np$renc1

• Te$*5or%

• O5ner,)p

3:



UN": A$S BAN5 LM"ED

ee-$n Pr$%$, B()/#)n6

Sector +B

C,$n#)6$r, +>>+

Te/G >+3 =>3?+

Reite(ed 4--ie

Tr),(/J7 4r# F/oor7 Opp2 S$*$rt,e,5$r Te*p/e7 L$5 $r#en7

E//) Br)#6e7

A,*e#$.$# 4@> >>2 Te/ No2 G >? 3:> ?433 F$; No2 G >? 3:> ?43+

E*$)/G p2o<$$;).$n%2co*r$jen#r$25$*)n$r$1$n$;).$n%2co*

e. )teG 5552$;).$n%2co*

"e Co('o()te 4--ie

A;) B$n% L)*)te#7

Corpor$te O'')ce7

Bo*.$1 D1e)n6 M)// Co*po(n#7

P$n#(r$n6 B(#,%$r M$r67or/)7 M(*.$) :>> >3=

Te/G 8>339 3:3= 3=3=

3=



Ai b)+ o--e( it e(*ie m)o(ly i+ -ou( ')(t:

A2 Peron$/

B2 Corpor$te

C2 NRID2 Pr)or)t1 .$n%)n6

A. Pe(o+)l

A;) .$n% o''er -$r)o( er-)ce 'or )n#)-)#($/ #o*et)c c(to*er7 5,)c, )nc/(#e

er-)ce /)%e

+2 Acco(nt

32 Depo)t

42 Lo$n

:2 C$r#

=2 Fore;2 In-t*ent

2 In(r$nce

@2 P$1*ent

?2 Ot,er er-)ce

1. "e )ou+t o--e(ed by )i b)+ -o( it utome( )(e:

• E$1Acce S$-)n6 Acco(nt

• Future Stars Savings Account

• Krishi Savings Account• Prime Savings Account

• Prime Plus Savings Account

• Basic Savings Account

• Women’s Savings Account (smart privilege account)

• Pr)or)t1 .$n%)n6 Acco(nt

• De*$t Acco(nt

• Sen)or c)t)<enJ Acco(nt

• De'ence S$/$r1 Acco(nt

• Tr(tNO S$-)n6 Acoo(nt

• In(r$nce A6ent Acco(nt

• Re)#ent Fore)6n C(rrenc1 8Do*et)c9 RFC8D9 Acco(nt

• Pen)on S$-)n6 B$n% Acco(nt

• YOUt, Acco(nt

• 4)n+ On/)ne In-et*ent Acco(nt

. De'oit o--e(ed by Ai B)+:

3

http://www.axisbank.com/personal/accounts/savings-accounts/future-stars-savings-account/overview.aspx

http://www.axisbank.com/personal/accounts/savings-accounts/future-stars-savings-account/overview.aspx



)< &ied De'oit

A;) B$n% o''er )*p/e re)n-et*ent F);e# Depo)t 8$t -er1 co*pet)t)-e

)nteret r$te97 5,)c, c$n .e opene# 5)t, $ *)n)*(* )n-et*ent o' R +>7>>>2

C(to*er c$n *$%e $##)t)on to 1o(r #epo)t )n *(/t)p/e o' R +7>>> e$c,2

T,e ten(re o' t,e)r #epo)t *(t .e $ *)n)*(* o' *ont,2

b< Reu((i+ De'oit

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

• Rec(rr)n6 #epo)t $re $ccepte# )n e0($/ *ont,/1 )nt$//*ent o' *)n)*(*

R +7>>> $n# $.o-e )n *(/t)p/e o' R =>> t,ere$'ter2

• T,e ');e# n(*.er o' )nt$//*ent 'or 5,)c, $ #epo)tor c$n opt $re +37 3:7

47 4?7 :@7 >7 47 37 @:7 ?7 +>@ $n# +3> *ont,2• Tr$n'er o' Acco(nt $ rec(rr)n6 #epo)t $cco(nt c$n .e tr$n'erre# 'ro*

one o'')ce o' t,e B$n% to $not,er .r$nc,2

• T,e $*o(nt o' )nt$//*ent once ');e#7 c$nnot .e c,$n6e#2

• Int$//*ent 'or $n1 c$/en#$r *ont, ) to .e p$)# on or .e'ore t,e /$t

5or%)n6 #$1 o' t,e *ont,2 ,ere t,ere ) #e/$1 )n p$1*ent o' )nt$//*ent7

one c$n re6(/$r)e t,e $cco(nt .1 p$1)n6 t,e #e'$(/te# )nt$//*ent to6et,er

5)t, $ pen$/t1 8$t preent )t ) PLR p/( : 'or t,e per)o# o'

#e/$192Fr$ct)on o' $ *ont, 5)// .e tre$te# $ '(// *ont, 'or t,e p(rpoe o'

c$/c(/$t)n6 t,e pen$/t12

• T,e tot$/ $*o(nt rep$1$./e to $ #epo)tor7 )nc/()-e o' )nteret7 #epen# ont,e $*o(nt o' *ont,/1 )nt$//*ent $n# t,e per)o# o' #epo)t2

< E+) =

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:

• M)imum Retu(+G

C(to*erJ *one1 ) no /on6er )#/e2 A oon $ t,e .$/$nce )n 1o(r S$-)n6

Acco(nt croe o-er R 3=7>>>7 t,e e;ce7 )n *(/t)p/e o' R +>7>>> 5)// .e

tr$n'erre# $(to*$t)c$//1 to $ ,)6,er )nteret e$rn)n6 F);e# Depo)t Acco(nt2

T,e *$t(r)t1 o' ');e# or ter* #epo)t 'or*e# $ $ re(/t o' tr$n'er o' *one1

'ro* t,e S$-)n6 B$n% $cco(nt 5)// .e 'or $ *$;)*(* per)o# o' +@+ #$1 $n#

t,e )nteret 5)// .e c$/c(/$te# on )*p/e )nteret r$te .$)2

• M)imum LiuidityG

T,e *one1 p$r%e# )n F);e# Depo)t $ $ re(/t o' t,e $.o-e *ent)one# 5eep

o(t 'ro* 1o(r S$-)n6 $cco(nt c$n .e e$)/1 $ccee# .1 )()n6 $ c,e0(e7

5)t,#r$5)n6 t,ro(6, ATM etc2 T,e $*o(nt .ro%en 'or* 1o(r F);e# Depo)t

5)// e$rn )nteret r$te $t t,e $pp/)c$./e r$te 'or t,e per)o# t,$t t,e #epo)t 5$

,e/# 5)t, t,e B$n%2 T,e re*$)n)n6 $*o(nt o' F);e# Depo)t 5)// cont)n(e toe$rn t,e contr$cte# r$te o' )nteret2

3



d< ") S)*e( &ied De'oit

In t,e F)n$nce B)// o' 3>>7 t,e 6o-ern*ent ,$# $nno(nce# T$; .ene')t to B$n%

Ter* Depo)t 5,)c, $re o' o-er = 1e$r ten(re ( @>C o' IT Act7 +?+ -)#e

Not)')c$t)on N(*.er 3>43>> $n# SO+33> 8E9 #$te# 3@>3>>2

T,e $/)ent po)nt o' t,e c,e*e not)')c$t)on $re 8$9 F);e# ten(re 5)t,o(t pre*$t(re

5)t,#r$5$/2 8.9 Ye$r ) #e')ne# $ $ ')n$nc)$/ 1e$r2 8c9 A*o(nt /)*)te# to R2 +>>

*)n)*(* $n# R2 +>>7>>> *$;)*(*2 8#9 B$n% 5)// )(e $ F);e# Depo)t Rece)pt

t,$t ,$// .e t,e .$) o' c/$)*)n6 t$; .ene')t2 8e9 Ter* #epo)t (n#er t,) c,e*e

c$nnot .e p/e#6e# to ec(re $ /o$n2

3. Lo)+ 4--e(ed by Ai :

• !o*e Lo$n

•C$r /o$n

• Peron$/ Lo$n

• Lo$n $6$)nt S,$re

• Lo$n A6$)nt Propert1

• Lo$n A6$)nt Sec(r)t)e

• Lo$n $6$)nt o/#

• E#(c$t)on Lo$n

=. C)(d 4--e(ed By Ai b)+

C(edit C)(d

• P/$t)n(* A#-$nt$6e Cre#)t C$r#

• P/$t)n(* Cre#)t C$r#

• o/# cre#)t c$r#

• S)/-er cre#)t c$r#

• Corpor$te Cre#)t C$r#

• Tr(t c,e*)t cre#)t c$r#

• S,r)r$* cre#)t c$r#

• eS,op c$r#

• E$1 cre#)t c$r#

Debit C)(d

• Pr)or)t1 P/$t)n(* C,)p De.)t C$r#

• Pr)or)t1 De.)t C$r#

• C/$)c De.)t C$r#

• o/# De.)t C$r#

• o/# P/( De.)t C$r#

• B()ne o/# De.)t C$r#

3@



P(e')id C)(d

• Tr$-e/ C(rrenc1 C$r#

• P$1ro// C$r#

• Corpor$te )'t C$r#

• )'t C$r#

• Re5$r# C$r#

• Re*)tt$nce C$r#

• Me$/ C$r#

• Ann()t1 C$r#

>. &o(e o--e(ed by Ai b)+

• "()*el Cu((e+y C)(d

T,e Tr$-e/ C(rrenc1 C$r# 6)-e )t c(to*er $ 3:,o(r $cce to *one12)t,#r$5 '(n# )n t,e /oc$/ c(rrenc1 'ro* $n1 V)$ or V)$ P/( ATM

8A(to*$te# Te//er M$c,)ne9 $ 5e// $ p$1 'or $// 1o(r p(rc,$e )n $n1

co(ntr1 1o( -))t7 $n15,ere )n t,e 5or/#2

• 4ut2)(d Remitt)+e

A;) B$n% o''er O(t5$r# Re*)tt$nce '$c)/)t)e en$./)n6 )t c(to*er to

re*)t *one1 $.ro$# t,ro(6, re/)$./e $n# 0()c% tr$n$ct)on2

T,e1 c$n en# *one1 $.ro$# 'or re$on *ore t,$n oneG e#(c$t)on7 *e#)c$/

p(rpoe7 6)'t)n67 *$)nten$nce 'or /o-e# one or #on$t)on 'or $ c$(e2

• &o(ei+ Cu((e+y "()*elle( CeueA*er)c$n E;pre Tr$-e/er c,e0(e $re 5)#e/1 $ccepte# 6/o.$//1 $ $ *o#e

o' p$1*ent )n *$n1 p$rt o' t,e 5or/#2 It ) $/5$1 5ort,5,)/e t$%)n6 o*e o'

1o(r 'ore)6n e;c,$n6e )n tr$-e/er c,e0(e $ )t ) $ 6re$t .$c%(p to c$, $n#

c$r#2

• &o(ei+ Cu((e+y C)

C$rr1)n6 *$// $*o(nt o' /oc$/ c(rrenc1 or )ntern$t)on$//1 $ccept$./e

c(rrenc1 -$r)$nt )n 5$//et 5,)/e tr$-e//)n6 o-ere$ ) re$(r)n6 $n#

con-en)ent epec)$//1 to *$%e p$1*ent 'or t,e er-)ce 1o( *$1 re0()re on

1o(r $rr)-$/ $t t,e #et)n$t)on

• +di) "()*el C)(d

• Se+d Mo+ey to +di)

3?



?. +*etme+t Se(*ie o--e(ed by Ai b)+

• o/# Mo,(r

•S)/-er Mo,(r

• M(t($/ F(n#

• On/)ne tr$#)n6

• IPOS*$rt

• De*$t Acco(nt

• @ S$-)n6 Bon#

@. +u()+e Se(*ie o--e(ed:

• L)'e In(r$nce

• !o*e In(r$nce• Motor In(r$nce

• !e$/t, In(r$nce

• Tr$-e/ In(r$nce

• B()ne ($r#

8. P)yme+t e(*ie o--e(ed by Ai:

• Bill P)y

A;) B$n% B)// P$1 er-)ce en$./e 1o( to *$%e ec(re p$1*ent 'ro* t,eco*'ort o' 1o(r ,o*e or o'')ce2 So )t t)*e to $1 6oo#.1e to /$te p$1*ent

')ne7 /on6 0(e(e7 /ot .)//7 $n# co**))on p$)# to /oc$/ err$n# .o12

• ECS

It ) $n e/ectron)c c/e$r)n6 1te* t,$t '$c)/)t$te p$per/e cre#)t #e.)t

tr$n$ct)on #)rect/1 /)n%e# to 1o(r $cco(nt $n# $/o pro-)#e 'or $ '$ter

*et,o# o' e''ect)n6 per)o#)c $n# repet)t)-e p$1*ent2

T,ro(6, ECS 8De.)t97 1o( c$n p$1 $// 1o(r Ut)/)t1 .)//

8e/ectr)c)t1te/ep,oneMo.)/e .)//7 cre#)t c$r#7 etc97 M(t($/ F(n# 8SIP97

In(r$nce Pre*)(*7 Lo$n Int$//*ent7 cre#)t c$r# p$1*ent7 p$1*ent o' #on$t)on $n# ot,er .)// p$1*ent2

• ") eP)yme+t

In t,) er-)ce7 Inco*e Ot,er D)rect T$;e7 $ 5e// $ Centr$/ E;c)e &

Ser-)ce T$; t,ro(6, )Connect c$n .e p$)# 'ro* $cco(nt on/)ne $n# c$n 6et

on/)ne $c%no5/e#6e*ent o' t,e p$1*ent .1 5$1 o' $ C1.er Rece)pt7

)nc/(#)n6 C,$//$n I#ent)')c$t)on N(*.er 8CIN9 )**e#)$te/1 $'ter *$%)n6 t,e

p$1*ent2

• Di(et t) P)yme+t

T,e B$n% ) $(t,or)<e# 'or Co//ect)on o' Inco*e or Ot,er D)rect T$;e on .e,$/' o' Centr$/ Bo$r# o' D)rect T$;e 8CBDT9 52e2' + Octo.er7 3>>42

4>



• Pe+io+ Dibu(eme+t

T,e B$n% ) $(t,or)<e# .1 RBI $n# M)n)tr1 o' De'ene 'or #).(re*ent o'

Pen)on to Ar*e# Force 8Ar*17 N$-1 $n# A)r Force9 peronne/ t,ro(6, )t

+=+ $(t,or)<e# .r$nc,e $cro t,e co(ntr12

4te( e(*ie o--e(ed by )i B)+ to it i+di*idu)l utome( )(e:

• M4BLE RE&LL : REC7ARE A" "7E A"M

An )n#)-)#($/ c$n rec,$r6e ,) *o.)/e t$/% t)*e $t $n1 o' o(r ATM2 !e

#oenJt e-en ,$-e to .e $n A;) B$n% c(to*er2 A// ,) nee# ) $ VISA #e.)t

or cre#)t c$r#2 I' ,e ) $n A;) B$n% c(to*er7 t,en ,e c$n $/o (e ,) A;)

B$n% #e.)t c$r# 8.ot, VISA $ 5e// $ M$ter c$r#92

• L4C5ER 8Un*$tc,e# protect)on 'or 1o(r -$/($./e9

A Safe Deposit Liker with Axis Bank is the solution to an individual’s

concern. Located at select branches in cities all over the country, our lockers

ensure the safe keeping of an individual’s valuables.

Ad*)+t)e

)#e A-$)/$.)/)t1G A on M$rc, 4+7 3>+> /oc%er $re $-$)/$./e $t ?:: .r$nc,e

$n# e;ten)on co(nter2 Loc%er $-$)/$./e )n -$r)o( )<e2

D)rect #e.)t 'or /oc%er rent$/ 'ro* 1o(r $cco(nt r)# 1o( o' t,e ,$/e )n

5r)t)n6 o(t c,e0(e2

E;ten#e# .$n%)n6 ,o(r to oper$te /oc%er2

Co*pet)t)-e rent$/2

• 4NLNE S74PPN 8S$'e $n# Sec(re )nternet P$1*ent9

A;) B$n% o''er $n )n#)-)#($/ t,e con-en)ence o' ,opp)n6 $t *$n1 *$jor On/)ne

tore 'ro* t,e co*'ort o' ,) ,o*e or o'')ce2 A// ,e nee# ) $n Internet en$./e# PC2

!e c$n c,ooe & t,en 6et ,e )te* #e/)-ere# $t ,) #oortep2 !e c$n $/o $-$)/ o'

n(*ero( on/)ne er-)ce7 6et to %no5 $.o(t t,e c(rrent pec)$/ o''er#)co(nt $n#

6et $ pre-)e5 o' t,e ne5 )te* $##e# on to t,e ,e/-e .1 t,ee on/)ne

ret$)/erer-)ce pro-)#er2 !e c$n ,op $ *(c, $ ,e /)%e $n# con-en)ent/1 *$%e

4+



)nt$nt p$1*ent .1 #e.)t)n6 ,) $cco(nt t,ro(6, t,e ec(re# p$1*ent c,$nne/7

)Connect O(r Internet .$n%)n6 p/$t'or*2

• P4SMAR" 8No5 )n-et )n IPOJ 5)t,o(t /ett)n6 6o o' 1o(r '(n# 9

An )n#)-)#($/J A;) B$n% $-)n6 $cco(nt no5 *$%e IPO $pp/)c$t)on $ e$*/e

$n# ,$/e'ree proce2 Inte$# o' *o-)n6 o(t '(n# 'ro* ,) $cco(nt 'or $pp/)c$t)on

to $n IPO7 t,e $*o(nt c$n no5 )*p/1 .e ./oc%e#2 ,)c, *e$n $ /on6 $ t,e IPO

,$re $re not $//otte#7 t,e '(n# t$1 5)t, ,)* $n# ,e $/o 6$)n )nteret on t,e*7 P/(

,e 6et t,e ec(r)t1 o' ,$-)n6 t,e re'(n# #)rect/1 (n./oc%e# $n# *$#e $-$)/$./e to

1o(7 )n ,) $cco(nt )te/'

T,e $.o-e er-)ce ) .e)n6 *$#e $-$)/$./e )n $ccor#$nce 5)t, t,e SEBI 6()#e/)ne onASBA 8App/)c$t)on S(pporte# .1 B/oc%e# A*o(nt92

Be+e-it

Interet on '(n# 5,)c, ot,er5)e 5o(/# ,$-e *o-e# o(t o' 1o(r $-)n6

$cco(nt2

No nee# to 5r)te c,e0(e or *$%e #e*$n# #r$'t2

Con-en)ent $n# tr$np$rent *$n$6e*ent o' '(n#2

Int$nt re/e$e (n./oc%)n6 o' '(n# $'ter $//ot*ent non $//ot*ent o' ,$re 2

ESt)teme+t

A;) B$n% o''er t,e '$c)/)t1 o' ESt$te*ent2 ESt$te*ent $re ec(re $n# e/ectron)c

5$1 to rece)-e t$te*ent o' $cco(nt 'ro* t,e B$n%2

43



B. Ai b)+ o--e( Co('o()te e(*ie, lie:

1. Elui*e B)+i+ Rede-i+ed Club>0 Cu((e+t Aou+t

At $ ,$/' 1e$r/1 $-er$6e .$/$nce o' R2 => /$c 8R2 3= /$c $t Se*) Ur.$n R(r$/ .r$nc,e97 t,) pre*)(* c(rrent $cco(nt *oot,/1 '(/')// 1o(r #$)/1

.$n%)n6 re0()re*ent2

M$)n Fe$t(reG

De#)c$te re/$t)on,)p *$n$6er

L)'et1/e .ene')t pr)-)/e6e

Free #oortep .$n%)n6

Free RTS NEFT F$c)/)t1

C$, M$n$6e*ent Ser-)ce

Free Intern$t)on$/ B()ne o/# De.)t C$r#

. !)(iou ty'e o- Cu((e+t Aou+t to uit e*e(y bui+e (eui(eme+t

/)%eG

T,e B$n% o''er $ r$n6e o' c(rrent $cco(nt pro#(ct to *eet t,e nee#

o' t,e -$r)o( c(to*er e6*ent (c, $ S*$// Enterpr)e7 Tr$#e7

E;proer7 Corpor$te $n# )nt()t)on2

Nor*$/ C(rrent Acco(nt

B()ne A#-$nt$6e Acco(nt

B()ne Se/ect Acco(nt B()ne C/$)c Acco(nt

B()ne Pr)-)/e6e Acco(nt

C,$nne/ One Acco(nt

C(rrent Acco(nt 'or o-t Or6$n)$t)on

C(rrent Acco(nt 'or B$n%

C(rrent Acco(nt 'or B()/#er & Re$/ Et$te

C$p)t$/ M$r%et C(rrent Acco(nt

Kr),) C(rrent Acco(nt

B()ne /o.$/ C(rrent Acco(nt

C/(. => C(rrent Acco(nt In/$n# Ro$# Tr$nport C(rrent Acco(nt

Tr$-e/7 To(r)* $n# !op)t$/)t1 C(rrent Acco(nt

Loc$/ C(rrent Acco(nt C(rrent Acco(nt 'or P,$r*$

C(rrent Acco(nt 'or C,$rtere# Acco(nt$nt

T,ee pro#(ct o''er '/e;).)/)t1 to c(to*er to c,ooe 'ro* t,e $.o-e opt)on

5)t, -$r1)n6 *)n)*(* $-er$6e 0($rter/1 .$/$nce co**)t*ent $n# c,$r6e

tr(ct(re2 In $##)t)on to con-ent)on$/ .$n%)n6 '$c)/)t)e7 t,ee $cco(nt o''er

M(/t)C)t1 $t P$r p$1$./e c,e0(e .oo% '$c)/)t1 $n# $n15,ere .$n%)n6 '$c)/)t1

44



$cro o''er M(/t) c)t1 At P$r p$1$./e c,e0(e .oo% '$c)/)t1 $n# $n1 5,ere

.$n%)n6 '$c)/)t1 $cro .r$c,e2 C(to*er c$n $cce t,e)r $cco(nt On/)ne

t,ro(6, Corpor$te )Connect7 A;) B$n%J Internet .$n%)n6 p/$t'or* $ $/o

t,ro(6, Te/eB$n%)n6 '$c)/)t1 $n# c$n rece)-e $cco(nt .$/$nce )n'or*$t)on on

*o.)/e te/ep,one $n# e/ectron)c *$)/2 C(to*er $re (.ject to tr$n$ct)on

c,$r6e )nc/(#)n6 c,$r6e 'or non*$)nten$nce o' t,e co**)tte# .$/$nce2

A;) B$n% .r)n6 #)''erent %)n# o' c(rrent $cco(nt 'or #)''erent t1pe o'

.()nee e/ect t,e one t,$t .et ()t $n )n#)-)#($/J .()ne re0()re*ent2

A;) B$n%J C(rrent Acco(nt c$*e e0()ppe# 5)t, t,e 'o//o5)n6 'e$t(re to

6)-e *$;)*(* -$/(e 'or $n )n#)-)#($/J *one12

&e)tu(e

A+y2e(e B)+i+

A;) B$n%J C(rrent Acco(nt $//o5 $n )n#)-)#($/ to .$n% 'ro* $// A;)

B$n%J .r$nc,e $n# E;ten)on co(nter2 An )n#)-)#($/ c$n #epo)t c$,7

5)t,#r$5 c$,7 #epo)t c,e0(e7 $n# )(e $tp$rJ c,e0(e $t $n1 o' A;)

B$n%J .r$nc,e2 So .$n% $t $n )n#)-)#($/J o5n Con-en)ence2

+t)+t &u+d "()+-e(

An )n#)-)#($/ c$n tr$n'er '(n# )nt$nt/1 .et5een $n1 o' A;) B$n%J

.r$nc,e2 F(n# tr$n'er c$n .e $''ecte# on/)ne7 r)6,t 'ro* $n )n#)-)#($/J

t,ro(6, A;) B$n%J )nternet .$n%)n6 er-)ce2

+te(+et B)+i+

A;) B$n% preent corpor$te )Connect $ (n)0(e net B$n%)n6 p/$t'or* 'or t,e

c(rrent $cco(nt c(to*er2 A-$)/$./e 5)t, *(/t)p/1 (er ID7 #epen#)n6 on $n

)n#)-)#($/J nee#2 Acce $n )n#)-)#($/J $cco(nt $t $n1 t)*e 'or* $n15,ere2

An )n#)-)#($/ c$n tr$n'er '(n# to ,) o5n $cco(nt or to t,)r# p$rt1 $cco(nt

5)t,)n A;) B$n% & Inter B$n% co-er)n6 o-er 3=7>>> .r$nc,e o' -$r)o(

.$n%2 Corpor$te )Connect $/o per*)t tr$n$ct)on )n)t)$t)on .1 one (er $n#$ppro-$/ .1 $not,er2 An )n#)-)#($/ c$n $/o e;c(e .(/% p$1*ent /)%e $/$r1

4:



$n# co**))on $cro A;) B$n% net5or% r)6,t 'or* ,) #e%top2

AtP)( ;Multiity< Ceueboo

Enjo1 t,e .ene')t o' M(/t)c)t1 C,e0(e.oo% 5)t, A;) B$n%J c(rrent

Acco(nt2 An )n#)-)#($/ c$n )(e c,e0(e p$1$./e $t p$r $t $// A;) B$n%J

.r$nc,e $cro t,e co(ntr12 An )n#)-)#($/J c,e0(e 5)// .e tre$te# $ /oc$/

c,e0(e $t *ore t,$n 4= /oc$t)on $ on $n($r1 4+7 3>>@2

A"M o( Debit C)(d

)t, e-er1 C(rrent Acco(nt 8For propr)et$r1 $n# p$rtner,)p concern97 An

)n#)-)#($/ c$n $-$)/ (pto 3 ATM c(* De.)t c$r#7 5,)c, $//o5 $n )n#)-)#($/

ro(n# t,e c/oc% $cce to ,) $cco(nt 'ro* $n1 o' $// A;) B$n%J ATM $//

o-er t,e co(ntr12 An )n#)-)#($/ c$n 5)t,#r$5 (pto R :>7>>> $ #$12

&(ee Mo+tly Aou+t St)teme+t

B1 co(r)er $n# #$)/1 on e*$)/2

Mobile B)+i+

Mo.)/e B$n%)n6 5)// en$./e $n )n#)-)#($/ to .$n% 5)t, A;) B$n% t,ro(6, ,)

*o.)/e p,one )rrepect)-e o' 5,ere $n )n#)-)#($/ $re2

• F$t tr$c% /o$n 'or SME

•)#e r$n6e o' pro#(ct 'or t,e SME e6*ent

• Or6$n)e# p$1*ent $n# co//ect)on o/(t)on

• On/)ne t$; p$1*ent or t,ro(6, -$t .r$nc, net5or%

• Mo.)/e B$n%)n6 er-)ce $-$)/$./e 'or C(rrent Acco(nt

3. C(edit Se(*ie by Ai b)+:

• To /$r6e Corpor$te

• To A6r) B()neG

4=



For SME (n)te

M)cro')n$nce

=. Beide tee e(*ie, Ai b)+ '(o*ide e(*ie i+ te )(e) lie:

C$p)t$/ M$r%et

Tre$(r1

C$, *$n$6e*ent er-)ce

o-t2 .()ne

4



C. No+Reide+t ;Ete(+)l< NRE S)*i+ Aou+t

An1 peron re)#ent o(t)#e In#)$ *$1 open NRE $cco(nt2 T,) $cco(nt

per*)t $ NRI to ,o/# $n# *$)nt$)n 'ore)6n c(rrenc1 e$rn)n6 )n In#)$n r(pee2

T,e Pr)nc)p$/ $n# )nteret e$rne# on t,ee .$/$nce $re 'ree/1 report$./e2

,et,er $n )n#)-)#($/ $re $ t(#ent7 $ pro'e)on$/7 $ $/$r)e# e*p/o1ee or $n

entreprene(r7 t,) $cco(nt 5)// *eet $// $n )n#)-)#($/J .$n%)n6 nee#2

&e)tu(e

• Lo5 *)n)*(* .$/$nce re0()re*ent o' R =7>>>

• M(/t)c)t1J c,e0(e .oo% 5,)c, 5)// per*)t An )n#)-)#($/ to *$%e

p$1*ent -)$ c,e0(e $cro *(/t)p/e /oc$t)on

• M$n#$te or Po5er o' Attorne1 '$c)/)t1 $-$)/$./e o t,$t )n An

)n#)-)#($/J $.ence 'ro* t,e co(ntr1 An )n#)-)#($/ c$n $(t,or)<e ,)

re/$t)-e or 'r)en# to oper$te con#(ct .$n%)n6 tr$n$ct)on on ,) .e,$/'2

• Free )ConnectG 3: X $cco(nt $cce t,ro(6, ec(re )nternet .$n%)n6

'$c)/)t1 'ro* $n15,ere $n# $n1t)*e2

•On/)ne ,opp)n6 *$// $n# (t)/)t1 .)// p$1*ent '$c)/)t1 .e ()n6 A;)B$n%J Internet .$e# )Connect .$n%)n6 /o6)n2

• Free peron$/ $cc)#ent co-er o' In#)$n R(pee 37>>7>>> on A;) B$n%J

De.)t C$r# 8T,e )n(r$nce co-er 5)// co*e )n 'orce on/1 $'ter An

)n#)-)#($/ *$%e ,) ')rt (cce'(/ p$1*ent tr$n$ct)on $t $n1 *erc,$nt

et$./),*ent29

• T$; A#-)or1 Ser-)ce 'ro* A;) B$n%J e*p$ne//e# con(/t$nt

• A)t$nce to o.t$)n Inco*e T$; PAN C$r# to *$%e $n )n#)-)#($/

co*p/)$nt 5)t, t,e t$; re6(/$t)on o' t,e n$t)-e /$n#2

4



D. P(io(ity B)+i+ F Reide+t

In $ e6*ent$t)on t(#1 (n#ert$%en )n 3>>37 )t 5$ 'o(n# t,$t 323 o' A;)

B$n%J ret$)/ c(to*er contr).(te to ne$r/1 :?2>= o' A;) B$n%J tot$/ ret$)/

#epo)t2 T,e c/)ent t,$t .r)n6 $ /$r6er ,$re o' .()ne to t,e B$n% e;pect $

#)''erent)$te# t$n#$r# o' er-)ce2 T,) $/o *$%e .()ne ene7 $ *ore

o'ten t,$n not7 *ot o' t,e .()ne )n $ p$rt)c(/$r .r$nc, '/o5 'ro* $ ,$n#'(/

o' c/)ent2 !ence7 Pr)or)t1 B$n%)n6 5$ /$(nc,e# )n or#er to c$ter to t,e nee#

o' t,e ,)6, net 5ort, c(to*er 5)t,)n t,e .$n%2

T,e pro#(ct ,$ $t )t core7 t,e )#e$ o' pro-)#)n6 $ cert$)n .)t o' #)''erent)$t)on

)n er-)ce $n# tre$t*ent to $ e6*ent o' )t c(to*er 5)t, $ -)e5 to5$r#

c(to*er retent)on7 $c0())t)on $n# cro e//)n62

T,e n(c/e( o' t,ee er-)ce ,$ eent)$//1 'o(r )*port$nt co*ponent

• Peron$/)<e# er-)ce

• In-et*ent $#-)or1 Ser-)ce

• Pre'ent)$/ pr)c)n6 o' .$n%)n6 pro#(cter-)ce

• L)'et1/e pr)-)/e6e2

Mot o' B$n%7 pr)-$te $ 5e// $ 'ore)6n7 o''er $ pec)$/)<e# .$n%)n6 er-)ce to

t,e)r e/)te c(to*er2 T,e #e')n)t)on o' t,e -$/(e o' re/$t)on,)p $n# er-)ce

o''ere# #)''er $cro .$n%2 In 6ener$/7 MNC .$n% #e')ne t,e !NI e6*ent

t$%)n6 )nto $cco(nt t,e c(to*erJ /)$.)/)t1 $ 5e// $7 $$)/ re/$t)on,)p 5)t,

t,e .$n% 8Bet5een 3>4> L$%, $n# $.o-e9 5,ere$ t,e In#)$n pr)-$te .$n%

on/1 t$%e )n t,e $-)n6 .$n% .$/$nce $n# ter* #epo)t 8Bet5een =+> L$%,

$n# $.o-e92

4@



&e)tu(e

• Pr)or)t1 B$n%)n6 Lo(n6e G

A $ Pr)or)t1 .$n%)n6 c(to*er $n )n#)-)#($/ 5)// ,$-e $cce to $n e;c/()-e

Pr)or)t1 B$n%)n6 Lo(n6eJ $t .r$nc,e2 T,) 5)// $//o5 $n )n#)-)#($/ to con#(ct

,) ')n$nc)$/ tr$n$ct)on )n (t*ot co*'ort $n# con')#ent)$/)t1 t,ro(6, $n

e;c/()-e Re/$t)on,)p M$n$6er2

• De#)c$te# Re/$t)on,)p M$n$6er

An )n#)-)#($/ 5)// enjo1 $cce to $ #e#)c$te# Re/$t)on,)p M$n$6er 5,o 5)//

.e ,) one po)nt cont$ct $t .r$nc, 'or $// An ,) .$n%)n6 tr$n$ct)on t,(

en(r)n6 t,$t An )n#)-)#($/ 5o(/# ne)t,er ,$-e to *o-e 'ro* one co(nter to

t,e ot,er nor t$n# )n 0(e(e to $5$)t ,) t(rn2

• !o*e B$n%)n6

E;per)ence t,e con-en)ence o' A;) B$n%J ,o*e .$n%)n6 '$c)/)t)e2 A-$)/ o'

'ree c$, $n# c,e0(e p)c%(p #e/)-er1 $t $n )n#)-)#($/J or re)#ence2

• E;c/()-e Pr)or)t1 B$n%)n6 Intern$t)on$/ De.)t c$r#

T,) c$r# $//o5 $n )n#)-)#($/ 'ree $cce to $// VISA ATM )n I#e$2 T,e c$r#

$/o co*e 5)t, ,)6,er ATM 5)t,#r$5$/ /)*)t ,)6,er POS tr$n$ct)on /)*)t

$t *erc,$nt et$./),*ent7 en,$nce# )n(r$nce o-er $n# $ ,ot o' pec)$/

#)co(nt $n# o''er2 An )n#)-)#($/ $/o 6et Pre'ent)$/ Interet R$te $n#

/o5ere# Proce)n6 Fee on e/ect Ret$)/ Lo$n2

• In-et*ent Pr)-)/e6e

A-$)/ o' $)t$nce )n ')n$nc)$/ p/$nn)n62 In-et*ent $#-)ce *$r%et )n'or*$t)on

report $n# )n-)t$t)on to )n-etor *eet $re o''ere# co*p/)*ent$r1 to $n)n#)-)#($/2

• L)'et1/e pr)-)/e6e

!o5e-er7 )tJ $// $.o(t j(t ')n$nc)$/ er)e2 e $)* to pro-)#e $ #)''erent

/)'et1/e e;per)ence t,ro(6, L)'et1/e pr)-)/e6e /)%e e;c/()-e )n-)t$t)on to

*o-)e creen)n67 p/$17 *()c concern $n# ot,er pec)$/ e-ent ponore# .1

A;) B$n%7 epec)$//1 'or A;) B$n%J Pr)or)t1 B$n%)n6 C(to*er2

4?



4te( SER!CES:

A"M

T,e .$n% ,$ +>744 ATM $ on 4+ Dece*.er 3>+32 T,) )nc/(#e $// A;)

B$n%J on)te $n# o'')te ATM2 A// A;) B$n%J ATM $re connecte# to A;)

B$n%J B$e 3: ATM 5)tc,7 5,)c, )n t(rn )nter$ct 5)t, A;) B$n%J

centr$/)<e# core .$n%)n6 o't5$re 'or tr$n$ct)on proce)n62

T,e B$n% t,ro(6, )t ATM o''er t,e 'o//o5)n6 er-)ce “

B)+i+ Se(*ie:

• C$, )t,#r$5$/7 5)t, re$/ t)*e #e.)t to c(to*erJ $cco(nt

• C$, & C,e0(e Depo)t• B$/$nce In0()r1

• PIN C,$r6e

4te( Se(*ie:

• Mo.)/e A)rt)*e Re')// 'or !(tc,7 A)rte/7 I#e$7 BPL7 Ce//(/$r7 RIM7 T$t$

Te/e

• F$c)/)t1 'or Non UTI .$n% VISA c$r# ,o/#er to re')// t,e)r prep$)#

p,one2

• L)'e In(r$nce Corpor$t)on Pre*)(* P$1*ent

• B)// P$1*ent e262G BSNL7 MTNL

• F(n# Tr$n'er 85)t,)n o5n $cco(nt9

• On/)ne Don$t)on to Tr(t & NO

• P(rc,$e $n# re#e*pt)on o' UTI M(t($/ F(n# Sc,e*e t,ro(6, t,e

ATM

:>



Strategic Tie-ups for ATM

T,e1 ,$-e $/o t)e# (p 5)t, etern R$)/5$1 8M(*.$)97 Centr$/ R$)/5$1

8M(*.$)9 P$nt$/oon7 !PCL7 $n# BPCL 'or ett)n6 (p ATM $t t,e)r /oc$t)on2

A/*ot $// cot re/$te# to ett)n6 (p $n# *$)nten$nce o' $n ATM net5or% )

');e#2 T,(7 t,e c,$//en6e 'or t,e B$n% ,$ .een to *)6r$te c(to*er to t,)

c,$nne/ $n# #e-e/op ne5 tre$* o' re-en(e 'ro* t,) c,$nne/7 )n or#er to

*$%e t,e c,$nne/ -)$./e2 T,e B$n% ,$ $c,)e-e# tre*en#o( (cce )n t,)

re6$r#2 e ,$-e .een $./e to *)6r$te $.o(t ?> o' $// c$, #).(re*ent

tr$n$ct)on to A;) B$n%J ATM2

"o e+e()te di(et (e*e+ue -(om te A"M C)++el, te b)+ ) )do'ted

t()teie:

• ATM S,$r)n6 5)t, ot,er .$n%

• Ne5 '(nct)on$/)t)e (c, $ *o.)/e $)rt)*e re')//7 .)// p$1*ent & *(t($/

'(n# $/e t,ro(6, 5,)c, A;) B$n%J .$n% e$rn $ co**))on2

T,e B$n% ,$ $/o et (p ATM 6$//er)e $t 4 /oc$t)on2 E$c, o' t,e $//er1 ,$ 3

ATM 'or t,e con-en)ence o' t,e c(to*er7 )n'or*$t)on %)o%7 $ c$r# oper$te#

to(c,creen )nternet %)o%7 t,o(6, 5,)c, t,e c(to*er c$n $cce t,e)r

)Connect $cco(nt 5)t, .$n% $n# per'or* t,e)r .$n%)n6 tr$n$ct)on (c, $

'(n# tr$n'er7 .)// p$1*ent7 .$/$nce )n0()r17 etc2 A .)// p$1*ent %)o% ,$ $/o

.een et (p $t t,) 6$//er12

T,e ATM C,$nne/ 'or t,e .$n% ,$ .een $ *$jor c(to*er $c0())t)on too/7

)ncre$)n6/1 t,e c,$nne/ ) .e)n6 een $ $ c(to*er er-)c)n6 too/ $n# $// t,e

ne5 -$/(e $##e# er-)ce $re p$rt o' t,$t )n)t)$t)-e2

:+



N"ERNE" BAN5N

S)nce Apr)/ 3>>>7 t,e Internet B$n%)n6 c,$nne/ ,$ 6ro5n '$t to co* pe/*et

t,e .r$nc, $n# ATM net5or%2 A o' M$rc, 3>>7 t,ere $re $ro(n# 3> /$%,

(er o' )nternet .$n%)n67 5,)c, $*o(nt to *ore t,$n => o' A;) B$n%J

ret$)/ .$n%)n6 $-)n6 $cco(nt c(to*er2 Ap$rt 'ro* ro(t)ne '(nct)on$/ /)%e

.$/$nce $n# tr$n$ct)on /oo%(p7 5e $/o pro-)#e $ n(*.er o' -$/(e $##e#

er-)ce on t,e )nternet .$n%)n6 p/$t'or*2 A .r)#e #ecr)pt)on o' e$c, pro#(ct )

6)-en .e/o5G

Bill P)yme+t

T,e .)// p$1*ent er)e on t,e )nternet c$n .e c/$)')e# )nto t,ree c$te6or)eG

• P(ee+tme+t o- EBPP ;Elet(o+i Bill P(ee+tme+t )+d P)yme+t<.

Un#er t,) t1pe o' .)// p$1*ent7 t,e c(to*er nee# to re6)ter 'or e$c,

.)//2 Once re6)tere#7 t,e .)//er 5)// ent $n e/ectron)c -er)on o' t,e .)//

'or $ccept$nce $n# p$1*ent2

• Di(et P)yme+t. Un#er t,) t1pe o' .)// p$1*ent7 no .)// preent*ent

,$ppen2 T,e c(to*er ) 'ree to e/ect t,e .)//er $n# p$1 $ccor#)n6/1 to

,) con-en)ence2

• P)yee: T,) $ -$r)$t)on o' #)rect p$1*ent *et,o# 5)t, t,e c(to*er

cre$t)n6 ,) o5n .)//er 'or e;$*p/e7 p$1*ent o' rent to /$n#/or#2 T,e

/$n#/or#J $cco(nt #et$)/ 5o(/# t1p)c$//1 .e entere# $n# p$1*ent *$#e

on $ rec(rr)n6 .$)2

So''i+

A c(to*er 5)t, Internet .$n%)n6 $cce c$n .(1 'ro* *erc,$nt re6)tere#

5)t, ( $n# p$1 t,ro(6, t,e #)rect #e.)t '$c)/)t1 on A;) B$n%J 5e.)te2

:3



M4BLE BAN5N

Mo.)/e .$n%)n6 5$ /$(nc,e# .1 t,e .$n% )n Octo.er 3>>:7 5)t,)n t,e /$t one

$n# $ ,$/' 1e$r t,e c(to*er .$e ,$ 6ro5n to o-er ')-e /$c (.cr).er $ o'

Apr)/ 3>>2

A;) B$n% O''er t,e A(to*$t)c A/ert er-)ce )n *o.)/e .$n%)n6G

A (.cr).er ) $/erte# t,ro(6, SMS on t,e $ct)-)t)e )n ,) $cco(nt 5)t,

$(to*$t)c $/ert 'or e-er1 #e.)t )n ,) $cco(nt o' *ore t,$n R2 =7>>>2 A/o )'

t,e c(to*er ) re6)tere# 'or .)// p$1*ent7 ,e rece)-e $n $/ert $ oon $ $

.)// ) preente# .1 t,e .)//er 'or p$1*ent2

Be+e-it

S)-ety: Be $/erte# on $n1 tr$n$ct)on $.o-e R2 =7>>> )n $n )n#)-)#($/J

$cco(nt o t,$t $ct)on c$n .e )n)t)$te# pro*pt/1 )n c$e o' $n1 *)(e o' t,e

$cco(nt2

Co+*e+ie+e: Kno5 t,e t$t( o' t,e $cco(nt 'ro* 5,ere-er $n )n#)-)#($/ $re2

:4



SER!CES ADDED "4 AN C4MPE"E"!E AD!AN"AE:

BUSNESS C4N"NU"# CEN"RE:

UTI B$n% 5$ t,e ')rt .$n% )n t,e co(ntr1 to et (p $ B()ne Cont)n()t1 Centre

8BCC9 )n B$n6$/ore 5,)c, rep/)c$te t,e ent)re centr$/)<e# #$t$.$e 5)t, $ -)e5 to

en$./e t,e B$n% to r(n *oot,/1 )n c$e o' $n1 e-ent($/)t1 $''ect)n6 t,e B$n%J D$t$

Centre )n M(*.$)2 E$c, tr$n$ct)on t,$t 6et recor#e# $t t,e D$t$ Centre 6et

re'/ecte# $/*ot )nt$nt$neo(/1

t,ro(6, AN on t,e .$c%(p #$t$.$e $t t,e BCC2

CEN"RALSED P74NE BAN5N CEN"RE

T,e B$n%J Centr$/)<e# P,one B$n%)n6 Centre pro-)#e c(to*er $cro t,e co(ntr1

$cce to t,e B$n% o-er t,e p,one7 ,$n#/)n6 *(/t)p/e 0(er)e )n $.o(t >>> c$// per

#$12

CEN"RALSED C4LLEC"4N AND PA#MEN" 7UB

T,e B$n%J Centr$/)<e# Co//ect)on $n# P$1*ent !(. 8CCP!9 *$n$6e t,e ent)reco//ect)on $n# p$1*ent $ct)-)t1 (n#er t,e B$n%J C$, M$n$6e*ent Ser-)ce 8CMS9

$cro t,e co(ntr17 ,$n#/)n6 on $n $-er$6e $.o(t R2=>>> crore per *ont, on t,e

co//ect)on 'ront $n# $.o(t R2+=>> crore per *ont, on t,e p$1*ent 'ront2

RE"AL ASSE"S MANAEMEN" R4UP

T,e B$n%J Ret$)/ Aet M$n$6e*ent ro(p 8RAM9 ) t,e oper$t)on ,(. o' t,e

ent)re Ret$)/ $et #)tr).(t)on tr(ct(re2 In $##)t)on to open)n6 $n# #).(r)n6 *ore

t,$n 4>>> c,e*$t)c /o$n e-er1 *ont,7 )t ) repon)./e 'or t,e *$)nten$nce o' *ore

t,$n +>>7>>> (c, /o$n $cco(nt7 $n# ,$n#/e t,e ent)re pot #$te# c,e0(e

preent$t)on $n# e-er$/ %)n# o' rep$1*ent 'or $// t,ee $cco(nt2

A"M BAC5END CELL

T,e ATM B$c%en# Ce// ,$n#/e t,e ent)re c$, *$n$6e*ent $n# reconc)/)$t)on o'

.$/$nce pert$)n)n6 to ATM $cro t,e co(ntr1 $n# en# (p t$//1)n6 o-er 'o(r /$%,

tr$n$ct)on .1 t,e en# o' t,e #$12

::



SER!CE BRANC7ES

T,e B$n%J Ser-)ce Br$nc,e )n t,e @ *$jor *etro t$%e c$re o' centr$/)<e# c/e$r)n6

$ct)-)t17 ,$n#/)n6 *ore t,$n one /$%, c,e0(e e-er1 #$1 'or o(t5$r# $n# )n5$r#

c/e$r)n62

DA"A CEN"RE

T,e B$n%J D$t$ Centre )n M(*.$)7 t,e centr$/)<e# IT po5er,o(e ) /)%e t,e centr$/

ner-o( 1te* o' t,e B$n%2 It ) $ re$/ t)*e 3:; et(p7 5,)c, *$n$6e 3> pro#(ct

$n# er-)ce o' t,e .$n% 5)t, $ #$t$.$e )<e o' +@=> B (pport)n6 on $n $-er$6e :3

/$%, tr$n$ct)on per #$17 to er-)ce o-er :3 /$%, c(to*er $cco(nt $n# $##)n6 ne5

c(to*er @>>> per #$12

CEN"RALSED PR4CESSN UN"

T,e B$n%J Centr$/)e# Proce)n6 Un)t 8CPU9 ) t,e .$c%.one o' t,e B$n%7

*$n$6)n6 pro#(ct)on $n# #e/)-er1 o' t,e ent)re r$n6e o' #e/)-er$./e to c(to*er

$cro t,e co(ntr1 5)t,)n 3: 3 ,o(r 'ro* t,e t)*e t,e c(to*er open t,e $cco(nt2

T,e CPU c(rrent/1 ,$n#/e $.o(t @=>> ne5 $cco(nt e-er1 #$12

:=



RESEARC7 ME"74D4L4#

:



3. RESEARC7 ME"7ED4L4#

3.1 ""LE 4& S"UD#

3. DURA"4N 4& PR4GEC"

S,ort ter* project2

3.3 4BGEC"!ES 4& S"UD#

B$n%)n6 $n# ')n$nce c$n .e c$//e# $ t,e ner-e o' $n1 econo*)c 1te* $

t,e1 $cce/er$te t,e proce o' econo*)c #e-e/op*ent t,ro(6, c$n$/)<$t)on o'

$#e0($te ')n$ce2 It ) ,$r# to $nt)c)p$te #e-e/op*ent o' e'')c)ent .$n%)n6

er-)ce )n t,e co(ntr12 No #o(.t ')n$nc)$/ )nt)t(t)on p/$1 o )*port$nt )n

econo*)c #e-e/op*ent .(t $t t,e o*e t)*e econo*)c #e-e/op*ent #eter*)ne

t,e 6ro5t, $n# #e-e/op*ent o' .$n%)n6 )nt)t(t)on t,e ro/e o' -$r)o( %)n# o'

.$n%)n6 )nt)t(t)on2 In econo*)c #e-e/op*ent nee# not .e e*p,$)<e#2

M$)n o.ject)-e o' t,e t(#1 ) to “Cr)t)c$/ $ppr$)$/ o' pro#(ct & er-)ce

o''ere# .1 $;) .$n%2" So*e o' t,e *$jor o.ject)-e o' t,e t(#1 )nc/(#e t,e

#eter*)n$t)on o' t,e 'o//o5)n6G

Con(*er $5$rene $.o(t t,e pro#(ct $n# er-)ce pro-)#e# .1 t,e

$;) .$n%2

Con(*er pre'erence $.o(t -$r)o( pro#(ct $n# er-)ce2

C(to*erJ percept)on to5$r# pr)-$te B$n%)n6 $n# t,e)r e;pect$t)on

'ro* pr)-$te .$n%2

C(to*er $t)'$ct)on 5)t, t,e er-)ce pro-)#e# .1 t,e .$n%2

Dr$5 o(t 5)t, conc/()on $n# (66et)on .$e# on t,e $n$/1) $n# t,e

)nterpret$t)on o' #$t$2

:



3.= "#PE 4& RESEARC7

Ree$rc, ) one o' t,e *ot )*port$nt p$rt o' $n1 t(#1 $n# pert$)n to t,e

co//ect)on o' )n'or*$t)on $n# %no5/e#6e2 M$r%et)n6 ree$rc, ) #e')ne# $ t,e

1te*$t)c #e)6n7 co//ect)on7 $n$/1)7 $n# report)n6 o' #$t$ $n# ')n#)n6

re/e-$nt to $ pec)')c *$r%et)n6 )t($t)on '$c)n6 t,e co*p$n12 M1 project ,$

.een #e-e/ope# on ,$ .$) o' .ot, e'lo()to(y $n# de(i'ti*e ree$rc,2 T,e

ree$rc, proce #epen# (pon #e-e/op)n6 t,e *ot e'')c)ent p/$n 'or 6$t,er)n6

t,e nee#e# )n'or*$t)on2 De)6n)n6 $ ree$rc, p/$n c$// 'ro #ec))on on t,e

#$t$ o(rce7 ree$rc, $ppro$c,e7 ree$rc, )ntr(*ent7 $*p/)n6 p$/n7 $n#

cont$ct *et,o#2

3.> SAMPLE SE AND ME"74D 4& SELEC"N

SAMPLE

I c,oe $ $*p/e )<e o' :> repon#ent con)t)n6 o' .$e# on j(#6*ent

$*p/)n6 A// repon#ent 5ere t,e c(to*er o' A;) B$n%2 T,e *et,o# 5$

)*p/e r$n#o* $*p/)n62

D)t) Sou(e

For t,) project .ot, pr)*$r1 $n# econ#$r1 #$t$ 5ere -$/($./e o(rce o'

)n'or*$t)on2

Seo+d)(y d)t)

Secon#$r1 #$t$ pro-)#e $ t$rt)n6 po)nt 'or $n1 ree$rc, $n# o''er -$/($./e

o(rce o' $/re$#1 e;)t)n6 )n'or*$t)on2 Secon#$r1 #$t$ $re t,e e$)et to 6$t,er

$n# t,e cot o' co//ect)n6 t,) #$t$ ) $/o -er1 /o52 For *1 project 5or% )t 5$

co//ecte# t,ro(6, t,e ,e/p o' -$r)o( #)rector)e o' -$r)o( $oc)$t)on7

*$6$<)ne7 ne5p$per7 5e.)te etc2 T,e #)rector)e ,e/pe# *e )n ,ort /))tn6

peop/e7 'or *1 t$r6et peop/e2

:@



So*e o' t,e #)rector)e *$#e (e o' $re $ 'o//o5G

√ Te/ep,one #)rector1

√ Inco*e t$; o'')ce

√ C)t1 #)rector1

√ C,$rtere# $cco(nt$nt #)rector1

√ C$rpet )n#(tr)e #)rector1

√ In#)$n *e#)c$/ $oc)$t)on #)rector1

√ Tr$nporter #)rector1

√ L$51er #)rector1

√ B()/#er & contr(ctor #)rector)e

P(im)(y d)t)

Pr)*$r1 #$t$ $re #$t$ 're,/1 6$t,ere# 'or $ pec)')c p(rpoe2 For *1 project

5or% t,e pr)*$r1 #$t$ 5$ co//ecte# .1 *e$n o' (r-e1 t,o(6, 0(et)onn$)re2

Co+t)t metod

Once t,e c/)ent ,$# .een #ec)#e# no5 *1 t$% 5$ ,o5 to cont$ct t,e*7 $n#

'or *e t,ere on/1 t5o 5$1 o' cont$ct)n6 t,e*2

+2 Pe(o+)l i+te(*ie2: t,) *et,o# 5$ t,e *ot $ppropr)$te 5$1

o' (r-e17 .ec$(e .1 peron$/ )nter-)e5 I c$*e to %no5 $.o(t

t,e)r 'ee/)n6 'or A;) B$n%2

32 "ele'o+e: T,) *et,o# 5$ $/o (e# .1 *e once or t5)ce7

%eep)n6 )n *)n# t,e .(1 c,e#(/e o' $ 'e5 repon#ent2

3.? SC4PE 4& S"UD#

A;) B$n% ) one o' t,e *ot '$*o( .$n% )n In#)$2 T,e -$r)o( pro#(ct $n#

er-)ce o''ere# .1 )t )nc/(#eG

PR4DUC"

• Depo)t 8S$-)n6 $cco(nt $n# c(rrent $cco(nt9

• Lo$n

• C$r#

:?



SER!CES

• ATM

• Mo.)/e B$n%)n6

• Internet B$n%)n6

• P$1*ent

• Ot,er Ser-)ce

T,e #epo)t *); o' $n or6$n)<$t)on epec)$//1 t,e S$-)n6 $cco(nt $re t,e

.$c%.one o' e-er1 .$n% $ $n or#)n$r1 *$n ) *ot )nc/)ne# to )n-et )n )t #(e

to )t con-en)ence $n# e$1 $-$)/$.)/)t12 T,) project #e$/ 5)t, t,e -$r)o(

c(to*er concern re6$r#)n6 t,ee $n# tr)e to (66et $ppropr)$te (66et)n6

.$e# on conc/()on2 I ,ope t,$t t,) report 5o(/# .e $./e to (66et o*e

*e$(re $n# #r$5 $ttent)on o' .$n% to5$r# t,e $re$ o' )*pro-e*ent2

3.@ Limit)tio+ o- Study

• T,e t(#1 5$ .$e# on $ -er1 *o#et $*p/e )<e ,ence c$nnot .e

c$//e# $ $ repreent$t)on o' t,e -)e5 $n# op)n)on o' t,e *$jor)t12

• In $ r$p)#/1 c,$n6)n6 )n#(tr17 $n$/1) on one #$1 or )n one e6*ent

c$n c,$n6e -er1 0()c%/12 T,e en-)ron*ent$/ c,$n6e $re -)t$/ to .e

con)#ere# )n or#er to $)*)/$te t,e ')n#)n62

• T,e conc/()on $rr)-e# $t $re .$e# on $ -er1 /e e;per)ence o'

ree$rc,er )n t,) ')e/#2

=>



HUES"4NNARE 1

C4MPARA"!E ANAL#SS 4& SA!N AND SALAR#

PR4DUC"S 4& A$S BAN5 6"7 7D&C AND CC BAN5%

&AC"S / &NDNS

ANAL#SS 1:

T,) $n$/1) #)p/$1 t,e #)-))on o' $*p/e $ccor#)n6 to t,e occ(p$t)on2 A tot$/ o'

+>> peop/e 5ere (r-e1e#2

=+



Ta)$e *

/re%uency 'ercent 0alid 'ercent1umulative

'ercent

0alid !2324I5# 66 66. 66. 66.

(U!I&5!! 76 76. 76. +8.

'4/5!!I&23 97 97. 97. -.

Total - -. -.

ANAL#SS!o5 t,e c(to*er ')n# $/$r1 $n# $-)n6 $cco(nt pro-)#e# .1 A;) B$n%

ANAL#SS3

=3



Do c(to*er ,$-e $n1 ot,er pro#(ct o' AXIS BANK ot,er t,$n $-)n6 $n# $/$r1

$cco(nt 8L)%e ter* #epo)t7 *(t($/ '(n#7 )n(r$nce7 ,o*e /o$n7 c$r /o$n etc29

ANAL#SS3

Are t,e c(to*er $t)')e# 5)t, t,e)r $-)n6 $n# $/$r1 $cco(nt

ANAL#SS=,)c, .$n% ) .etter )n pro-)#)n6 er-)ce re6$r#)n6 tr$n$ct)on

=4



ANAL#SS>,)c, ) .etter .$n% )n e$e o' $cce 8.ot, .r$nc, & ATM9

ANAL#SS?,)c, .$n%J $cco(nt pro-)#e 6re$ter '/e;).)/)t1

ANAL#SS@Are 1o( $t)')e# 5)t, t,e re/$t)on,)p *$n$6erJ er-)ce pro-)#e# .1

A;) B$n%

ANAL#SS8

=:



,)c, c,$nne/ 1o( (e to $cce 1o(r $cco(nt

ANAL#SS9

,)c, $re t,e $re$ o' )*pro-e*ent

&NDNS

• T,e .$n% ,$ 6oo# re/$t)on 5)t, )t c(to*er2 T,e c(to*er $re -er1

$t)')e# 5)t, t,e re/$t)on,)p *$n$6er er-)ce pro-)#e# .1 A;) B$n%2

• T,e .$n% $n# )t c(to*er ,$-e $ /on6 ter* re/$t)on,)p2 A;) B$n% ,$ t,e

ten#enc1 to ret$)n )t c(to*er $t $n1 cot2 T,e1 .e/)e-e t,$t t,e o/# c(to*er

) *ore pro')t$./e )nte$# o' $ ne5 one t,$tJ 5,1 t,e1 tr1 to *$)nt$)n 6oo#

$n# /on6 ter* re/$t)on to t,e)r c(to*er2

• Le no2 o' c(to*er (e *o.)/e .$n%)n6 or net .$n%)n62

• T,e $cco(nt o' $;) .$n% 8.ot, $/$r1 & $-)n69 pro-)#e 6re$t '/e;).)/)t1 )n

ter* o' o''er)n62

==



• T,e $cco(nt o' t,ee t,ree .$n% #onJt ,$-e *(c, #)''erence )n ter* o'

'e$t(re .(t 5,en )t co*e to er-)ce pro-)#)n6 t,e A;) B$n% 6et $n e#6e

.ec$(e o' t,e)r 6re$t c(to*er er-)ce2

• T,e $;) .$n% ,$ 6oo# no2 o' .r$nc,e $n# ATMJ t,$tJ 5,1 )t ,$ *ore e$e

o' $cce2

• T,e c(to*er o' A;) B$n% $re $t)')e# 5)t, t,e)r $-)n6 $n# $/$r1

$cco(nt2

HUES"4NNARE F

=



“CRITICAL APPRAISAL OF PRODUCT & SERVICES"

&AC"S / &NDNS

=



H.1 6i )(e (ou' do you belo+ ;Ae 2ie< I

+te('(et)tio+ :A'ter /oo%)n6 t,) .$r 6r$p,7 )t c$n .e $)# t,e *)##/e$6e# 6ro(p $re t,e *$)n

c(to*er o' t,e .$n% $ t,e1 occ(p)e# $/*ot = o' t,) 6r$p,2 T,e .$n% ,$

$ ,(6e potent)$/ )n ter* o' t,e (nt$ppe# *$r%et Yo(n6 $n# o/# $6e 6ro(p

peop/e2 !)6, p$1 p$c%$6e to to#$1J e*p/o1e# 1o(t, $n# /$r6e $-)n6 5)t, t,e

o/# $6e peop/e 8epec)$//1 )n (r.$n $re$9 ,$ *$#e t,e* $ttr$ct)-e potent)$/

c(to*er2

H. 6)t i you( ou')tio+I

+te('(et)tio+ :

Mot o' t,e er-)ce c/$ peop/e pre'er to open $ S$-)n6 Acco(nt )n

co*p$r)on to t,e .()ne c/$ peop/e2 T,) *$1 .e po)./e #(e to t,e

'$c)/)t1 o' “An15,ere B$n%)n6" ()t)n6 t,e)r nee# $n# pre'erence2

=@



H.3 Ple)e 'ei-y you( )++u)l i+omeI

+te('(et)tio+:

Inco*e #oe not *$%e $n1 #)''erence $ '$r $ open)n6 t,e $cco(nt )n t,e A;)B$n% ) concerne#7 $ t,e .$r #)$6r$* ) -)-)#/1 re-e$/)n6 t,$t *ore or /e

peop/e o' e-er1 e6*ent o' )nco*e 6ro(p ,$-e opene# $n# $re open)n6 t,e

$cco(nt e;pert one 6ro(p )2e2 /o5er )nco*e 6ro(p 5,ere e*p,$) ) re0()re#

to penetr$te t,) 6ro(p o )t c$n .e $)# t,$t t,e t$r6et 6ro(p o' t,e $;) .$n%7

pec)$//1 'or $-)n6 $cco(nt $re o' e-er1 e6*ent o' )nco*e 6ro(p )nce )t )

#e-ote# to ren#er .et er-)ce to )t cot(*er2

H.= 2)t -e)tu(eJ)tt(ibute, 2ile o'e+i+ )+ )ou+t do you

e'et -(om ) b)+I

+te('(et)tio+:

,en $ c(to*er -))t $n1 .$n% t,e ')rt $n# 'ore*ot t,)n6 ,e e;pect ) t,e

0()c%ne o' er-)ce $n# t,e pro*ptne )n entert$)n)n6 .1 t,e .$n% e*p/o1ee2

Secon# t,)n6 c(to*er 5),e to ,$-e ) proper )n'or*$t)on re6$r#)n6 ,)

0(er)e2 One t,) )n t,) .$r $/o re$//1 )6n)')c$nt )7 '$ctor /)%e /e 'or*$/)t)e

=?



o' #oc(*ent 5,)/e open)n6 $n $cco(nt2 V$r)et)e o' pro#(ct #o not *$%e $ .)6

)*p$ct on c(to*er .e,$-)or 'or open)n6 $n $cco(nt )n $n1 .$n% )' )t er-)ce

$re e'')c)ent2 B(t on t,e ot,er ,$n# .$n% c$nJt )6nore 5or%)n6 ,o(r2 A )n t,)

.$r c(to*er ,$ erre# )t2 For t,ee er-)ce /)%e .$n% pre'erence ,o(/# .e

6)-en to *$%e $ pro*pt $n# c(to*er 'r)en#/1 er-)ce c,$nne/2 For t,) 'oc(

*(t .e 6)-en to *$%e 5e// )n'or*e# $n# pro$ct)-e e*p/o1ee $/on6 5)t, 5or%

,o(/# .e e;ec(te# tec,no/o6)c$//1 r$t,er t,$n *$n($//12

H.> 6)t i+d o- )ou+t do you )*e i+ Ai B)+ I

+te('(et)tio+ :

S$-)n6 $cco(nt ) t,e /e$#)n6 $n# $ttr$ct)-e pro#(ct 'or t,e A;) .$n% $ )t

occ(p)e $ *$jor c,(n% )n t,) .$r2 It ) c/e$r/1 )*p/1)n6 t,$t t,) pro#(ct ,$

t,e $.)/)t1 to $t)'1 t,e c(to*er2 On t,e econ# ,$# $n# t,e po)t)on c(rrent

$cco(nt $n# ');e# #epo)t ,$ $/o .een ,e/p'(/ to )ncre$e t,e c(to*er .$e

.(t t)// t,e)r per'or*$nce nee# to .e )*pro-e#2 One t,)n6 )n t,) .$r 5,)c,

) )6n)')c$nt ) t,e .()ne o' t,e .$n% ) re/1)n6 on on/1 'e5 /e$#)n6

pro#(ct7 re$on 'or t,) co(/# .e7 ne)t,er )t ,$ /)*)te# r$n6e o' pro#(ct nor

ret o' t,e pro#(ct #oe not ,$-e *(c, $.)/)t1 to penetr$te )n t,e t)'' *$r%et o'

.$n%)n6 o' $)p(r2 T,$t ) 6)-)n6 $n $/$r*)n6 *e$6e to t,e *$n$6e*ent o'

t,e .$n% to 6o or $n$/1<)n6 t,e )t($t)on -er1 *)n(te/1 $n# *(t $cert$)n

5,ere t,)n6 $re 6o)n6 5ron6 $n# 'or t,$t 5,$t ,ort o' nece$r1 tep co(/#

.e t$%en2 Pro-)#)n6 .etter er-)ce )n co*p$r)on 5)t, t,e co*pet)tor ) $

*(t 'or e;ce//)n6 )n )n#(tr12

>



H.? 6o i+-lue+ed to o'e+ )+ )ou+t i+ Ai B)+ I

+te('(et)tio+ :A )t ) $)# $ $t)')e# c(to*er ) t,e .et *e#)(* 'or $#-ert)e*ent )nce )n

t,) .$r 'r)en# $n# re/$t)-e ,$-e p/$1 $ %e1 ro/e )n open)n6 t,e $cco(nt 'or

ot,er7 5,)c, )*p/)e t,$t .$n% re$/ c(to*er $re $t)')e# eno(6, 5)t, t,e

'$c)/)t)e $-$)/$./e on t,e pro#(ct $n# t,e er-)ce enjo1e# .1 t,e*2 An

$#-ert)e*ent $n# .$n% e*p/o1ee *ore or /e ,$ .een 6oo# per'or*er )n

t,e)r repect)-e #o*$)n2 It re-e$/ $#-ert)e*ent o' #)''erent *e#)(*7 $ .een $

%e1 '$ctor )n 6ener$t)n6 t,e $5$rene $.o(t .$n% pro#(ct $ 5e// $ '$c)/)t)e

t,$t $re *$#e to $-$)/$./e on t,en )n t,e peop/e *)n#2

H.@ #ou( (em)( o+ '(odut o- Ai B)+ I

+



+te('(et)tio+ :

A t,) .$r ) ,o5)n6 $t 5,$t /e-e/ peop/e $re $-e# 5)t, $-)n6 $cco(nt7 5)t,

)t (n)0(e '$c)/)t)e 'e$t(re7 $n# $.)/)t1 to er-e $// t,e nee# o' c(to*er

.ec$(e .1 $n# /$r6e )t c$n .e $)# = peop/e $re $-)n6 6oo# to $-)n6

$cco(nt7 t,) )*p/)e t,$t t,) pro#(ct ,$ .een $ /e$#)n6 pro#(ct $n# t)// $n

$ttr$ct)-e pro#(ct o' t,e A;) .$n%2 Re$on 'or t,) co(/# .e #)''erent t1pe o'

'$c)/)t1 $oc)$te# 5)t, t,) pro#(ct7 5,)c, $re re$#)n6 tr(e -$/(e to t,e

c(to*er $n# *$r%et)n6 peop/e $re $/o -er1 *(c, #e-ote# to 6)-e t,e .et

'ro* t,) p$rt2 E''ort *(t .e 6)-en to %no5 5,1 t,e1 $re peop/e 5,o $re t)//

$1)n6 $-er$6e $n# poor $.o(t $-)n6 $cco(nt $n# 5,$t $re t,e '$ctor t,$t $re

6o)n6 5ron6 5)t, t,$t e6*ent o' peop/e2

H.8 + om')(io+ to ote( b)+ o2 2ould you ()te Ai B)+ I

+te('(et)tio+ :

R$t)n6 o' $n1 .$n% #epen# on )t o-er$// per'or*$nce )n t,e e1e o' t,e peop/e2

T,) .$r ) -)-)#/1 ,o5)n6 t,$t t,e per'or*$nce o' A;) .$n% ,$ .een 6oo#

.ec$(e )n (c, $ ,ort p$n o' )tJ e;)tence )n t,) c)t1 5)t, tron6

co*pet)t)on 'ro* *$jor p(./)c ector .$n% /)%e SBI $n# ot,er pr)-$te .$n%7

Re$on 'or t,) co(/# .e7 )t ,$ occ(p)e# $ #)''erent po)t)on )n t,e peop/e *)n#

5)t, )t c(to*er 'r)en#/1 pro#(ct $n# to er-e t,e* $ e'')c)ent $n# pro*pt

.$n%)n6 1te*2

3



H.9 7o2 lo+ did you( 2)it i+ ueue I

+te('(et)tio+ :

A t,) .$r 6r$p, ,o5)n6 = peop/e 5$)t )n 0(e(e >= *)n(te2 ,)/e )t

,o(/# .e +>> peop/e2

H.10 Do you ti+ te +umbe( o- ou+te( )*)il)ble )(e u--iie+tI

+te('(et)tio+:

A t,) .$r 6r$p, ,o5)n6 @3 peop/e $re ('')c)ent2 ,)/e )t ,o(/# .e +>>

peop/e2

4



S64" ANAL#SS

S"REN"7S

• A;) .$n% ,$ .een 6)-en t,e r$t)n6 $ one o' top t,ree po)t)on )n ter* o'

'$tet 6ro5t, )n pr)-$te ector .$n%

• F)n$nc)$/ e;pre ,$ 6)-en n(*.er t5o po)t)on $n# BTKPM ,$ r$te#

AXIS .$n% $ t,e .et .$n% 5)t, o*e 3 p$r$*eter

• T,e .$n% ,$ $ net5or% o' +7@ #o*et)c .r$nc,e $n# +>744 ATM

• T,e .$n% ,$ )t preence )n ?+ c)t)e $n# to5n

• T,e .$n% ')n$nc)$/ po)t)on 6ro5 $t $ r$te o' 3> e-er1 1e$r 5,)c, ) $

*$jor po)t)-e )6n 'or $n1 .$n%

• T,e co*p$n1J net pro')t ) 4FY+3 ) +7+>323 5,)c, ,$ $ )ncre$e o'

3=2+? 6ro5t, co*p$re# to 3>++

6EA5NESSES

• $p M$jor/1 t,e1 concentr$te# )n corpor$te7 5,o/e$/e .$n%)n67 tre$(r1

er-)ce7 ret$)/ .$n%)n6

• Fore)6n .r$nc,e cont)t(te on/1 @ o' tot$/ $et

• Ver1 recent/1 t,e .$n% t$rte# 'oc()n6 )t $ttent)on to5$r# peron$/ .$n%)n6

$n# r(r$/ $re$

• T,e ,$re r$te o' AXIS .$n% ) cont$nt/1 '/(ct($t)n6 )n ,)6,er *$r6)n

5,)c, *$%e )n-etor )n $n (nco*'ort$./e po)t)on *ot o' t,e t)*e

• T,ere $re /ot o' ')n$nc)$/ pro#(ct 6$p )n ter* o' per'or*$nce $ 5e// $

re$c,)n6 o(t to t,e c(to*er

:



4PP4R"UN"ES

• Ac0())t)on to ')// 6$p

• In 3>>?7 A//)$nce 5)t, Mot)/$/ O5$/ 'or on/)ne tr$#)n6 'or +> *)//)on

c(to*er

• In 3>+>7 $c0()re# En$* Sec(r)t)e P-t Lt# .ro%)n6 $n# )n-et*ent .$n%)n6

• In Sep 3>>?7 SEBI $ppro-e# A;) Aet M$n$6e*ent Co2 'or *(t($/ '(n#

.()ne

• No2 o' etr$n$ct)on )ncre$e# 'ro* >2 *)//)on to $ro(n# 3 *)//)on

• eo6r$p,)c$/ e;p$n)on to r(r$/ *$r%et @> o' t,e* ,$-e no $cce to

'or*$/ /en#)n6

• : (e )n'or*$/ /en#)n6 c,$nne/• 3: (nre6(/$te# *one1 /en#er

• No5 n(*.er o' .r$nc,e )ncre$e# to +@2

• L$t 0($rter t,ere 5ere :@ ne5 .r$nc,e opene# $cro t,e N$t)on

• S)nce )tJ $ ne5 $6e .$n%)n6 t,ere $re /ot o' opport(n)t)e to ,$-e t,e $#-$nce

tec,n)c$/)t)e )n .$n%)n6 o/(t)on co*p$re# to e;)t)n6 *$jor p/$1er

• T,e $et )n t,e)r )ntern$t)on$/ oper$t)on $re 6ro5)n6 $t $ -er1 '$ter p$ce

5)t, $ 6ro5t, r$te o' ?2

• T,e concept o' ETM 8E-er15,ere te//er *$c,)ne9 .1 AXIS B$n% ,$# $ 6oo#

repone )n ter* o' $ttr$ct)n6 ne5 c(to*er )n peron$/ .$n%)n6 e6*ent

"7REA"S

• S)nce 3>>?7 RBI ,$ )ncre$e# CRR .1 +>> .$) po)nt

• Incre$e# repo r$te re-ere repo r$te .1 => po)nt ++ t)*e o' /$te

• Incre$)n6 pop(/$r)t1 o' IP #(e to e$e )n '(n# r$))n6

•RBI $//o5e# 'ore)6n .$n% to )n-et (p to : )n In#)$n .$n%)n6

• o-ern*ent c,e*e $re *ot o'ten er-)ce# on/1 .1 6o-ern .$n% /)%e SBI

7In#)$n B$n%7 P(nj$. N$t)on$/ B$n% etc

• ICICI $n# !DFC $re )*po)n6 tron6 t,re$t )n ter* o' t,e)r e;p$n)on )n

c(to*er .$e .1 t,e)r $66re)-e *$r%et)n6 tr$te6)e

=



C4NCLUS4N

• T,e t(#1 *$)n/1 5$ on t,e c(to*er or)ent$t)on t,$t ,o5 t,e1 t,)n%7 5,$t

t,e1 5$nt 'ro* t,e)r .$n% $n# ,o5 t,e1 t$%e #ec))on 6o)n6 to $n1 .$n%2

• In t,) t(#1 I 'o(n# t,$t t,e .on# o' A;) B$n% 5)t, )t c(to*er ) -er1

tron67 .ec$(e A;) B$n% *$)n/1 'oc(e on ret$)n)n6 t,e)r c(to*er2

• T,) t(#1 ')n# t,$t ,o5e-er A;) B$n% ) not t,e /e$#)n6 pr)-$te ector .$n%

.(t )t -$t r$n6e o' pro#(ct $n# $-$)/$.)/)t1 o' opt)on *$%e )t one o' t,e

.etter .$n% )n In#)$2

• T,e .$n% ,o(/# 'oc( on t,e e*) (r.$n $n# r(r$/ *$r%et .ec$(e t,ee

*$r%et $re -er1 6oo# opport(n)t1 'or o*eone /)%e A;) B$n% 5,)c, ) )n

6ro5)n6 '$ce2 )t,o(t e;p$n#)n6 )n t,ee *$r%et A;) B$n% c$n not .e $

/e$#)n6 .$n% o t,e1 ,o(/# 'oc( on t,) *$r%et2

• T,e .$n% ,o(/# 'oc( on *$ .$n%)n6 )n or#er to )ncre$e t,e)r *$r%et

,$re2 T,e1 ,o(/# /$(nc, (c, pro#(ct 5,)c, 5o(/# .e 5)t,)n t,e re$c, o'

t,e /o5er *)##/e c/$

• T,e .$n% ,o(/# p$1 *ore $ttent)on on 6)-)n6 (p#$te $n# ,o(/# )ncre$e t,e

/e-e/ o' er-)ce pro-)#)n6 .ec$(e t,e co*pet)tor o' $;) $re .etter )n t,)

$re$2

• T,e .$n% ,o(/# tr1 to )ncre$e t,e (e o' tec,no/o61 /)%e *o.)/e $n# net

.$n%)n6 $*on6 )t c(to*er2



REC4MMENDA"4N / SUES"4NS

• Mot/1 er-)ce c/$ peron pre'er t,e $;) .$n% )n t,e co*p$r)on o'

.()ne $n# t(#ent $n# ot,er c/$ peron t,( )t nee# to pro*ote )t

pro#(ct $n# er-)ce t,$t $re o''ere# *$)n/1 'or t,e .()ne c/$

peop/e $n# t(#ent2 Bec$(e t,ee t5o c/$ 'or* *$jor (er o' t,e

.$n%)n6 er-)ce2

• A;) .$n% ) nor*$//1 not ()n6 proper/1 'or t,e c(rrent $cco(nt o )t

pop(/$r)t1 r$t)o ) 0()te #o5n2 T,) .$n% nor*$//1 ()n6 'or t,e /on6

ter* p/$nn)n6 /)%e $-)n6 $n# FD2

• T,) .$n% ) not )n-et)n6 *ore )nto t,e *$r%et)n6 ector o I 5)//

(66et t,$t o*e o' t,e p$rt o' )nco*e )t )n-et)n6 )n t,e $#-ert))n6

$n# *$r%et)n6 ector2• Into t,e co*p$r)on o' ot,er .$n% )t per'or*$nce ) 0()te 6oo# .(t not

$n e''ect)-e o t,) *$1 .e #o)n6 t,e r$te 5ere #o5n 5)t, o*e ot,er

'$c)/)t)e2



BBL4RAP7#

6ebite

2

2AXISBANK2COM

2ECONOMITIMES2COM

2RBI2OR

2!DFCBANK2COM

2ICICIBANK2COM

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8. Axis Bank With Its Competitors.doc

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