Divya Kotak Mahindra Bank

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The Project Report

On

KOTAK MAHINDRA BANK

Titled

Banking Activities, Loans, Account, Deposits & Custoe! 

"atis#action

Submitted in partial fulfillment for the

Award of Degree of 

 “Master of Business Administration” 

"$BMITT%D B' "$BMITT%D TO'

JITENDRA SINGH Dr. Pankaj Gupta

  MBA IV SEM (HOD)

A(%) IN"TIT$T% O* MANA+%M%NT & "CI%NC%, AI($R-./-0-./1

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+uide2s Ce!ti#icate

This is t !"rti#$ that Mr. Jit"n%ra Sin&h has su'itt"% his prj"!t tit"% 3Banking

Activities, Loans, Accounts, Deposits & custoe!s satis#action4 n th" &i*"n %u"%at". Durin& his +rk, h" +as #un% t '" a !p"t"nt an% har% +rkin& stu%"nt. I +ish

hi a th" '"st #r th" #utur" "n%"a*urs.

DR. PANKA !"P#A

$%&D'

A(%) IN"TIT$T% O* MANA+%M%NT & "CI%NC%,AI($R

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"tudent Decla!ation

I h"r" '$ %"!ar" that th" prj"!t r"prt "ntit"% 3Banking Activities, Loans,

Accounts, Deposits& Custoe! "atis#action4 Su'itt"% in partia #u#i"nt an%

r"-uir""nt #r th" %"&r"" # Maste! o# Business Adinist!ation  t Rajasthan

t"!hni!a ni*"rsit$, In%ia is $ ri&ina +rk an% nt su'itt"% #r th" a+ar% # an$ th"r 

%"&r"", %ipa, #"+ship, r an$ siiar tit" # pri/"s.

Pa!" 0 Jaipur  itend!a "ing5

Dat" 0 MBA s". IV

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(R%*AC%

This prj"!t +as !ha"n&in& as it +as $ #irst pprtunit$ t % an in%i*i%ua prj"!t in a

r"a +rkin& "n*irn"nt. I !hs" t % this prj"!t in 1OTA1 MAHINDRA Bank 2t%.,Jaipur in r%"r t &"t pr#"ssina insi&ht a'ut th" 'ankin& pr%u!ts an% an pi!$.

1OTA1 MAHINDRA Bank ##"rs a +i%" ran&" # 'ankin& pr%u!ts an% #inan!ia s"r*i!"s

thru&h a *ari"t$ # %"i*"r$ !hann"s an% thru&h its sp"!iai/"% su'si%iari"s an%

a##iiat"s in th" ar"as # in*"st"nt 'ankin&, *"ntur" !apita an% ass"t ana&""nt.

M$ prj"!t +as t pr"par" a r"prt n Bankin& a!ti*iti"s, 2ans, A!!unts 3

D"psits # 1OTA1 MAHINDRABAN1 an% th"r pri*at" s"!tr 'anks. M$ prj"!t

%"an%"% #+in& a!ti*iti"s t '" %n"0

4. T ""t !ust"r an% un%"rstan% th" p"ratins.

5. T !pi" th" !i"nt6s #""t ist, %"tais # ajr !ust"rs, %"tais # #inan!"rs "t!.

7. %"tai"% stu%$ n 'usin"ss 'ankin& In%ustr$

Th" In%ian 'ankin& in%ustr$ is passin& thru&h a phas" # !ust"rs ark"t. A

!p"titin has '""n "sta'ish"% +ithin th" 'anks p"ratin& in In%ia. 8ith sti## 

!p"titin an% a%*an!""nt # t"!hn&$, th" s"r*i!"s pr*i%"% '$ 'anks ha*"

'"!" r" "as$ an% !n*"ni"nt.

Th" 'j"!ti*" # th" stu%$ at M.1 BAN1 +as t un%"rstan% th" pra!ti!"s an% pr!"%ur"s

#+"% at th" 'ran!h 'ankin& "*". It +as *"r$ '"n"#i!ia as I nt n$ un%"rst% th"

pr%u!ts an% s"r*i!"s ##"r"% '$ th" in%ustr$, 'ut as %"at +ith issu"s ik" !rss s"I.

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ACKNO6L%D+%M%NT

I "9pr"ss $ sin!"r" thanks t $ prj"!t &ui%", D!7 (anka8 +upta #r &ui%in& " ri&ht

#r th" in!"ptin ti th" su!!"ss#u !p"tin # th" r"prt. I sin!"r"$ a!kn+"%&" h"r 

#r "9t"n%in& th"ir *aua'" &ui%an!" an% supprt #r it"ratur" an% !riti!a r"*i"+s # 

prj"!t an% th" r"prt an% a'*" a th" ra supprt h" ha% pr*i%"% t " +ith a

sta&"s # this prj"!t.

I +u% ik" t thank th" supprt &i*"n '$ th" Mr. Nikhi A&ra+a (A.S.M.) Mahin%ra 1tak

Bank, #r th"ir h"p an% !p"ratin thru&hut ur prj"!t.

IT%NDRA "IN+H

M7B7A7 I9 "%M

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%)%C$TI9%"$MMAR

Th" !"n!""nt # E:Tra%in& an% D"at has trans#r"% th" !apita ark"t in In%ia.

8ith th" h"p # D"at an% Tra%in& a!!unt, 'u$in& an% s"in& # shar"s has '"!" au!h #ast"r an% "*"n pr!"ss than tra%in& +ith th" assistan!" # a ph$si!a 'rk"r. It

pr*i%"s #r th" assiiatin # 'ank, 'rk"r, st!k "9!han&" an% %"psitr$ parti!ipants.

This h"ps t &"t ri% # th" painstakin& pr!"%ur" # in*"stin& in st!k "9!han&".

Pr"*ius$, i# n" +ants t in*"st in st!k ark"t, h" has t !nta!t a 'rk"r n phn" r 

S""t hi p"rsna$ t pa!" r%"r.

 A 'rk"r &"n"ra$ &i*"s su!h iprtan!" an% a%%itina s"r*i!" n$ t hi&h n"t +rth

!ust"rs. But th" intr%u!tin # Int"rn"t tra%in&, "*"n a !n r a sa in*"str 

&"ts an pprtunit$ t a*ai th" s"r*i!" at an a##r%a'" pri!" +hi!h is u!h "ss"r than

+hat is !har&"% '$ a ph$si!a 'rk"r *"r th" phn". Onin" tra%in& has &i*"n !ust"r 

a r"a ti" a!!"ss t a!!unt in#ratin, st!k -ut"s "a'rat"% ark"t r"s"ar!h an%

int"ra!ti*" tra%in&. Th" pr"r"-uisit"s # Int"rn"t tra%in& ar" a !put"r, a %" an% a

t""phn" !nn"!tin, r"&istratin +ith 'rk"r, a 'ank a;! an% %"psitr$ a!!unt.

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TABL% O* CONT%NT"

7

"7 NO7 Desc!iptions (age no7

4 Int!oduction to t5e Indust!: <:7=

5 Int!oduction to t5e O!gani;ation 7>:>?

7 Resea!c5 Met5odolog:

<7/Title o# t5e "tud:

<7-Du!ation o# t5e (!o8ect

  <7<O=8ective o# t5e "tud:

  <71T:pes o# Resea!c5

  <7>Collection Met5od and "aple "i;e

6 "cope o# "tud:

  <7?Liitation o# "tud:

>4:>5

@ *acts and *indings >7

Data Anal:sis and Inte!p!etation >@:<

= "6OT Anal:sis <=:<>

> Conclusion <<:<

< Recoendation and "uggestion ?

Appendi@ 4:5

4?BIBLIO+RA(H

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INTROD$CTION O* TH% IND$"TR

Banking in India

Stru!tur" # th" r&ani/"% 'ankin& s"!tr in In%ia. Nu'"r # 'anks ar" in 'ra!k"ts.

Banking in India in th" %"rn s"ns" ri&inat"% in th" ast %"!a%"s # th" 4<th !"ntur$.

Th" #irst 'anks +"r" Bank # Hin%ustan (4>>?:4<5) an% Th" G"n"ra Bank # In%ia,

"sta'ish"% 4><= an% sin!" %"#un!t.

Th" ar&"st 'ank, an% th" %"st sti in "9ist"n!", is th" Stat" Bank # In%ia, +hi!h

ri&inat"% in th" Bank # Ca!utta in Jun" 4<?=, +hi!h ast i"%iat"$ '"!a" th"

Bank # B"n&a. This +as n" # th" thr"" pr"si%"n!$ 'anks, th" th"r t+ '"in& th"Bank # B'a$  an% th" Bank # Ma%ras, a thr"" # +hi!h +"r" "sta'ish"% un%"r 

!hart"rs #r th" British East In%ia Cpan$. Th" thr"" 'anks "r&"% in 454 t #r

th" Ip"ria Bank # In%ia, +hi!h, upn In%ias in%"p"n%"n!", '"!a" th" Stat" Bank # 

In%ia in 4. r an$ $"ars th" pr"si%"n!$ 'anks a!t"% as -uasi:!"ntra 'anks, as %i%

th"ir su!!"ssrs, unti th" R"s"r*" Bank # In%ia +as "sta'ish"% in 47.

In 4= th" In%ian &*"rn"nt natinai/"% a th" ajr 'anks that it %i% nt ar"a%$ +n

an% th"s" ha*" r"ain"% un%"r &*"rn"nt +n"rship. Th"$ ar" run un%"r a stru!tur"

kn+ as pr#it:akin& pu'i! s"!tr un%"rtakin& (PS) an% ar" a+"% t !p"t" an%

p"rat" as !"r!ia 'anks. Th" In%ian 'ankin& s"!tr is a%" up # #ur t$p"s # 

'anks, as +" as th" PSs an% th" stat" 'anks, th"$ ha*" '""n jin"% sin!" th" 4?s

'$ n"+ pri*at" !"r!ia 'anks an% a nu'"r # #r"i&n 'anks.

Bankin& in In%ia +as &"n"ra$ #air$ atur" in t"rs # supp$, pr%u!t ran&" an% r"a!h:

"*"n thu&h r"a!h in rura In%ia an% t th" pr sti r"ains a !ha"n&". Th"

&*"rn"nt has %"*"p"% initiati*"s t a%%r"ss this thru&h th" Stat" Bank # In%ia

"9pan%in& its 'ran!h n"t+rk an% thru&h th" Natina Bank #r A&ri!utur" an% Rura

D"*"p"nt +ith thin&s ik" i!r#inan!".

In%ian Bankin& In%ustr$ !urr"nt$ "p$""s 4,4>,4@ "p$""s an% has a tta # 

4?,<44 'ran!h"s in In%ia an% 4>4 'ran!h"s a'ra% an% ana&"s an a&&r"&at" %"psit

# =>?@.@ 'iin (SF4.4 triin r <5? 'iin) an% 'ank !r"%it  # 5=?@. 'iin

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(SF<<? 'iin r =@? 'iin). Th" n"t pr#it # th" 'anks p"ratin& in In%ia +as

4?5>.4 'iin (SF4> 'iin r 45 'iin) a&ainst a turn*"r # 4@<. 'iin

(SF4? 'iin r 44? 'iin) #r th" #is!a $"ar  5?45:47.

History 

In an!i"nt In%ia th"r" is "*i%"n!" # ans #r th" V"%i! p"ri% ('"&innin& 4>? BC).57

2at"r %urin& th" Maur$a %$nast$ (754 t 4< BC), an instru"nt !a"% a%"sha +as in

us", +hi!h +as an r%"r n a 'ank"r %"sirin& hi t pa$ th" n"$ # th" nt" t a thir%

p"rsn, +hi!h !rr"spn%s t th" %"#initin # a 'i # "9!han&" as +" un%"rstan% it

t%a$. Durin& th" Bu%%hist p"ri%, th"r" +as !nsi%"ra'" us" # th"s" instru"nts.

M"r!hants in ar&" t+ns &a*" "tt"rs # !r"%it t n" anth"r.@

Colonial e!a

Durin& th" p"ri% # British ru"  "r!hants "sta'ish"% th" nin Bank # Ca!utta  in

4<5, #irst as a pri*at" jint st!k ass!iatin, th"n partn"rship. Its prpri"trs +"r" th"

+n"rs # th" "ari"r C"r!ia Bank an% th" Ca!utta Bank, +h '$ utua !ns"nt

!r"at"% nin Bank t r"pa!" th"s" t+ 'anks. In 4<@? it "sta'ish"% an a&"n!$ at

Sin&apr", an% !s"% th" n" at Mir/apr" that it ha% p"n"% in th" pr"*ius $"ar. As

in 4<@? th" Bank r"*"a"% that it ha% '""n th" su'j"!t # a #rau% '$ th" 'anks

a!!untant. nin Bank +as in!rprat"% in 4<@ 'ut #ai"% in 4<@<, ha*in& '""n

ins*"nt #r s" ti" an% ha*in& us"% n"+ n"$ #r %"psitrs t pa$ its %i*i%"n%s.

Th" Aaha'a% Bank, "sta'ish"% in 4<= an% sti #un!tinin& t%a$, is th" %"st Jint

St!k 'ank in In%ia, it +as nt th" #irst thu&h. That hnur '"n&s t th" Bank # pp"r 

In%ia, +hi!h +as "sta'ish"% in 4<=7, an% +hi!h sur*i*"% unti 447, +h"n it #ai"%, +ith

s" # its ass"ts an% ia'iiti"s '"in& trans#"rr"% t th" Aian!" Bank # Sia.

r"i&n 'anks t start"% t app"ar, parti!uar$ in Ca!utta, in th" 4<=?s. Th" Cptir%

Es!pt" %" Paris p"n"% a 'ran!h in Ca!utta in 4<=?, an% anth"r in B'a$ in 4<=5

'ran!h"s in Ma%ras  an% Pn%i!h"rr$, th"n a r"n!h pss"ssin, #+"%. HSBC

"sta'ish"% its"# in B"n&a in 4<=. Ca!utta +as th" st a!ti*" tra%in& prt in In%ia,

ain$ %u" t th" tra%" # th" British Epir", an% s '"!a" a 'ankin& !"ntr".

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Th" #irst "ntir"$ In%ian jint st!k 'ank +as th" Ou%h C"r!ia Bank, "sta'ish"% in

4<<4 in ai/a'a%. It #ai"% in 4<. Th" n"9t +as th" Punja' Natina Bank, "sta'ish"% in

2ahr" in 4<, +hi!h has sur*i*"% t th" pr"s"nt an% is n+ n" # th" ar&"st 'anks in

In%ia.

 Arun% th" turn # th" 5?th C"ntur$, th" In%ian "!n$ +as passin& thru&h a r"ati*"

p"ri% # sta'iit$. Arun% #i*" %"!a%"s ha% "aps"% sin!" th" In%ian Mutin$, an% th"

s!ia, in%ustria an% th"r in#rastru!tur" ha% ipr*"%. In%ians ha% "sta'ish"% sa

'anks, st # +hi!h s"r*"% parti!uar "thni! an% r"i&ius !uniti"s.

Th" pr"si%"n!$ 'anks %inat"% 'ankin& in In%ia 'ut th"r" +"r" as s" "9!han&"

'anks an% a nu'"r # In%ian  jint st!k 'anks. A th"s" 'anks p"rat"% in %i##"r"nt

s"&"nts # th" "!n$. Th" "9!han&" 'anks, st$ +n"% '$ Eurp"ans,

!n!"ntrat"% n #inan!in& #r"i&n tra%". In%ian jint st!k 'anks +"r" &"n"ra$ un%"r 

!apitais"% an% a!k"% th" "9p"ri"n!" an% aturit$ t !p"t" +ith th" pr"si%"n!$ an%

"9!han&" 'anks. This s"&"ntatin "t 2r% Cur/n t 's"r*", "In respect of banking it 

seems we are behind the times. We are like some old fashioned sailing ship, divided by 

solid wooden bulkheads into separate and cumbersome compartments." 

Th" p"ri% '"t+""n 4?= an% 444, sa+ th" "sta'ish"nt # 'anks inspir"% '$ th"S+a%"shi *""nt. Th" S+a%"shi *""nt inspir"% !a 'usin"ss"n an% piti!a

#i&ur"s t #un% 'anks # an% #r th" In%ian !unit$. A nu'"r # 'anks "sta'ish"%

th"n ha*" sur*i*"% t th" pr"s"nt su!h as Bank # In%ia, Crpratin Bank, In%ian Bank,

Bank # Bar%a, Canara Bank an% C"ntra Bank # In%ia.

Th" #"r*ur # S+a%"shi *""nt "a% t "sta'ishin& # an$ pri*at" 'anks in

Dakshina 1anna%a an% %upi %istri!t +hi!h +"r" uni#i"% "ari"r an% kn+n '$ th" na"

"out5 Cana!a ( Suth 1anara ) %istri!t. ur natinais"% 'anks start"% in this %istri!t

an% as a "a%in& pri*at" s"!tr 'ank. H"n!" un%i*i%"% Dakshina 1anna%a %istri!t is

kn+n as KCra%" # In%ian Bankin&K.

Durin& th" irst 8r% 8ar   (44@L44<) thru&h th" "n% # th" S"!n% 8r% 8ar 

(47L4@), an% t+ $"ars th"r"a#t"r unti th" in%"p"n%"n!" # In%ia +"r" !ha"n&in&

#r In%ian 'ankin&. Th" $"ars # th" irst 8r% 8ar +"r" tur'u"nt, an% it tk its t +ith

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'anks sip$ !apsin& %"spit" th" In%ian "!n$ &ainin& in%ir"!t 'st %u" t +ar:

r"at"% "!ni! a!ti*iti"s. At "ast @ 'anks in In%ia #ai"% '"t+""n 447 an% 44< as

in%i!at"% in th" #+in& ta'"0

 ea!sNu=e! o# =anks

t5at #ailed

Aut5o!ised Capital

Lak5s

(aid0up Capital

Lak5s

5??< 45 5>@ 7

5?? @5 >4? 4?

5?4? 44 =

5?44 47 574 @

5?45 >= 5

5?47 > 5? 4

(ost0Independence

Th" partitin # In%ia  in 4@> a%*"rs"$ ipa!t"% th" "!ni"s # Punja'  an% 8"st

B"n&a, para$sin& 'ankin& a!ti*iti"s #r nths. In%ias in%"p"n%"n!" ark"% th" "n% # 

a r"&i" # th" 2aiss"/:#air"  #r th" In%ian 'ankin&. Th" G*"rn"nt # In%ia  initiat"%

"asur"s t pa$ an a!ti*" r" in th" "!ni! i#" # th" natin, an% th" In%ustria Pi!$

R"sutin a%pt"% '$ th" &*"rn"nt in 4@< "n*isa&"% a i9"% "!n$. This

r"sut"% int &r"at"r in**""nt # th" stat" in %i##"r"nt s"&"nts # th" "!n$

in!u%in& 'ankin& an% #inan!". Th" ajr st"ps t r"&uat" 'ankin& in!u%"%0

• Th" R"s"r*" Bank # In%ia, In%ias !"ntra 'ankin& authrit$, +as "sta'ish"% in

 Apri 47, 'ut +as natinais"% n 4 Januar$ 4@ un%"r th" t"rs # th" R"s"r*"

Bank # In%ia (Trans#"r t Pu'i! O+n"rship) A!t, 4@< (RBI, 5??'). =

• In 4@, th" Bankin& R"&uatin A!t +as "na!t"% +hi!h "p+"r"% th" R"s"r*"

Bank # In%ia (RBI) Kt r"&uat", !ntr, an% insp"!t th" 'anks in In%iaK.

• Th" Bankin& R"&uatin A!t as pr*i%"% that n n"+ 'ank r 'ran!h # an

"9istin& 'ank !u% '" p"n"% +ithut a i!"ns" #r th" RBI, an% n t+ 'anks

!u% ha*" !n %ir"!trs.

Nationali;ation in t5e /.s

D"spit" th" pr*isins, !ntr an% r"&uatins # th" R"s"r*" Bank # In%ia, 'anks in

In%ia "9!"pt th" Stat" Bank # In%ia (SBI), !ntinu"% t '" +n"% an% p"rat"% '$ pri*at"11

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p"rsns. B$ th" 4=?s, th" In%ian 'ankin& in%ustr$ ha% '"!" an iprtant t t

#a!iitat" th" %"*"p"nt # th" In%ian "!n$. At th" sa" ti", it ha% ""r&"% as a

ar&" "p$"r, an% a %"'at" ha% "nsu"% a'ut th" natinai/atin # th" 'ankin&

in%ustr$. In%ira Gan%hi, th" th"n Pri" Minist"r # In%ia, "9pr"ss"% th" int"ntin # th"

G*"rn"nt # In%ia in th" annua !n#"r"n!" # th" A In%ia Cn&r"ss M""tin& in a

pap"r "ntit"% "Stray thoughts on Bank Nationaliation." > Th" ""tin& r"!"i*"% th" pap"r 

+ith "nthusias.

Th"r"a#t"r, h"r *" +as s+i#t an% su%%"n. Th" G*"rn"nt # In%ia issu"% an

r%inan!" (Bankin& Cpani"s (A!-uisitin an% Trans#"r # n%"rtakin&s) Or%inan!",

4=) an% natinais"% th" 4@ ar&"st !"r!ia 'anks +ith "##"!t #r th" i%ni&ht # 

4 Ju$ 4=. Th"s" 'anks !ntain"% < p"r!"nt # 'ank %"psits in th" !untr$.>Ja$aprakash Nara$an, a natina "a%"r # In%ia, %"s!ri'"% th" st"p as a "masterstroke

of political sagacity."   8ithin t+ +""ks # th" issu" # th" r%inan!", th" Paria"nt

pass"% th" Bankin& Cpani"s (A!-uisitin an% Trans#"r # n%"rtakin&) Bi, an% it

r"!"i*"% th" pr"si%"ntia appr*a n Au&ust 4=.

 A s"!n% %s" # natinaisatin # = r" !"r!ia 'anks #+"% in 4<?. Th"

stat"% r"asn #r th" natinaisatin +as t &i*" th" &*"rn"nt r" !ntr # !r"%it

%"i*"r$. 8ith th" s"!n% %s" # natinaisatin, th" G*"rn"nt # In%ia !ntr"%

arun% 4 # th" 'ankin& 'usin"ss # In%ia. 2at"r n, in th" $"ar 47, th" &*"rn"nt

"r&"% N"+ Bank # In%ia +ith Punja' Natina Bank. It +as th" n$ "r&"r '"t+""n

natinais"% 'anks an% r"sut"% in th" r"%u!tin # th" nu'"r # natinais"% 'anks #r

5? t 4. A#t"r this, unti th" 4?s, th" natinais"% 'anks &r"+ at a pa!" # arun% @,

!s"r t th" a*"ra&" &r+th rat" # th" In%ian "!n$

Li=e!ali;ation in t5e /.s

In th" "ar$ 4?s, th" th"n &*"rn"nt "'ark"% n a pi!$ # i'"rai/atin, i!"nsin& a

sa nu'"r # pri*at" 'anks. Th"s" !a" t '" kn+n as New !eneration techsavvy 

banks, an% in!u%"% G'a Trust Bank (th" #irst # su!h n"+ &"n"ratin 'anks t '" s"t

up), +hi!h at"r aa&aat"% +ith Ori"nta Bank # C"r!", TI Bank (sin!" r"na"%

 A9is Bank),  ICICI Bank an% HDC Bank. This *", an& +ith th" rapi% &r+th in th"

"!n$ # In%ia, r"*itais"% th" 'ankin& s"!tr in In%ia, +hi!h has s""n rapi% &r+th

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+ith strn& !ntri'utin #r a th" thr"" s"!trs # 'anks, na"$, &*"rn"nt 'anks,

pri*at" 'anks an% #r"i&n 'anks.

Th" n"9t sta&" #r th" In%ian 'ankin& has '""n s"t up +ith th" prps"% r"a9atin in th"

nrs #r #r"i&n %ir"!t in*"st"nt, +h"r" a #r"i&n in*"strs in 'anks a$ '" &i*"n

*tin& ri&hts +hi!h !u% "9!""% th" pr"s"nt !ap # 4? at pr"s"nt. It has &n" up t

>@ +ith s" r"stri!tins.

Th" n"+ pi!$ shk th" Bankin& s"!tr in In%ia !p"t"$. Bank"rs, ti this ti", +"r"

us"% t th" @L=L@ "th% ('rr+ at @ "n% at = & h" at @) # #un!tinin&. Th"

n"+ +a*" ush"r"% in a %"rn utk an% t"!h:sa**$ "th%s # +rkin& #r tra%itina

'anks. A this "% t th" r"tai ' in In%ia. P"p" %"an%"% r" #r th"ir 'anks

an% r"!"i*"% r".

Current period 

 A 'anks +hi!h ar" in!u%"% in th" S"!n% S!h"%u" t th" R"s"r*" Bank # In%ia A!t,

47@ ar" S!h"%u"% Banks. Th"s" 'anks !pris" S!h"%u"% C"r!ia Banks an%

S!h"%u"% C:p"rati*" Banks. S!h"%u"% C"r!ia Banks in In%ia ar" !at"&ris"%

int #i*" %i##"r"nt &rups a!!r%in& t th"ir +n"rship an%;r natur" # p"ratin. Th"s"

'ank &rups ar"0

• Stat" Bank # In%ia an% its Ass!iat"s

• Natinais"% Banks

• Pri*at" S"!tr Banks

• r"i&n Banks

• R"&ina Rura Banks.

In th" 'ank &rup:+is" !assi#i!atin, IDBI Bank 2t%. is in!u%"% in Natinais"% Banks.

S!h"%u"% C:p"rati*" Banks !nsist # S!h"%u"% Stat" C:p"rati*" Banks an%

S!h"%u"% r'an Cp"rati*" Banks.

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Gr+th # Bankin& in In%ia # S!h"%u"% C"r!ia Banks4

Indicat

o!s

</ Ma!c5 o# 

-..> -.. -..? -..E -.. -./. -.// -./- -./<

Nu'"r 

# C"

r!ia

Banks

5<@ 54< 4>< 4= 4== 4=7 4=7 4= 44

Nu'"r 

# 

Bran!h

"s

>?,7>7 >5,?>5 >@,=7 ><,><> <5,<> <<,5?7 @,?4 4?5,7>> 4?,<44

Ppuati

n p"r  

Banks

(in

thusan

%s)

4= 4= 4 4 4 4@ 47 47 45

 A&&r"&

at"

D"psit

s

4>??5

'iin

(SF5<?

'iin)

54??

'iin

(SF7?

'iin)

5=44

'iin

(SF@@?

'iin)

74=

'iin

(SF7?

'iin)

7<7@4

'iin

(SF=@?

'iin)

@@5<

'iin

(SF>?

'iin)

5?><

'iin

(SF<>?

'iin)

?4

'iin

(SF?

'iin)

=>?@.@

'iin

(SF4.4 tri

in)

Bank

Cr"%it

44??@

'iin

(SF4<?

'iin)

4?>4

'iin

(SF5?

'iin)

4745

'iin

(SF75?

'iin)

57=4

'iin

(SF7?

'iin)

5>>

'iin

(SF@=?

'iin)

75@@<

'iin

(SF@?

'iin)

7@54

'iin

(SF==?

'iin)

@=44

'iin

(SF>>?

'iin)

5=?

'iin

(SF<<? '

iin)

D"psit

as

p"r!"nt

a&" t

GNP (at

#a!tr 

!st)

=5 =@ = >7 >> >< >< >< >

P"r 

Capita

D"psit

4=5<4

(SF5>?)

447?

(SF75?)

577<5

(SF7?)

5<=4?

(SF@<?)

774

(SF>?)

74?>

(SF=?)

@?

(SF>=?)

?4<7

(SF<@?)

=7<?

(SF@?)

P"r 

Capita

Cr"%it

4?>5

(SF4<?)

47<=

(SF57?)

4>@4

(SF5?)

5454<

(SF7?)

5@=4>

(SF@4?)

5<@74

(SF@>?)

7@4<>

(SF>?)

7<<>@

(SF=?)

@@?5<

(SF>@?)

Cr"%it =7 >? >@ > >@ >@ >= > >

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Gr+th # Bankin& in In%ia # S!h"%u"% C"r!ia Banks4

Indicat </ Ma!c5 o# 

-..> -.. -..? -..E -.. -./. -.// -./- -./<

D"psit

Rati

B$ 5?4?, 'ankin& in In%ia +as &"n"ra$ #air$ atur" in t"rs # supp$, pr%u!t ran&"

an% r"a!h:"*"n thu&h r"a!h in rura In%ia sti r"ains a !ha"n&" #r th" pri*at" s"!tr 

an% #r"i&n 'anks. In t"rs # -uait$ # ass"ts an% !apita a%"-ua!$, In%ian 'anks ar"

!nsi%"r"% t ha*" !"an, strn& an% transpar"nt 'aan!" sh""ts r"ati*" t th"r 'anks

in !para'" "!ni"s in its r"&in. Th" R"s"r*" Bank # In%ia is an autnus

'%$, +ith inia pr"ssur" #r th" &*"rn"nt.

8ith th" &r+th in th" In%ian "!n$ "9p"!t"% t '" strn& #r -uit" s" ti":

"sp"!ia$ in its s"r*i!"s s"!tr:th" %"an% #r 'ankin& s"r*i!"s, "sp"!ia$ r"tai

'ankin&, rt&a&"s an% in*"st"nt s"r*i!"s ar" "9p"!t"% t '" strn&. On" a$ as

"9p"!t M3As, tak"*"rs, an% ass"t sa"s.

In Mar!h 5??=, th" R"s"r*" Bank # In%ia a+"% 8ar'ur& Pin!us t in!r"as" its stak" in

1tak Mahin%ra Bank (a pri*at" s"!tr 'ank) t 4?. This is th" #irst ti" an in*"str has

'""n a+"% t h% r" than in a pri*at" s"!tr 'ank sin!" th" RBI annun!"%

nrs in 5?? that an$ stak" "9!""%in& in th" pri*at" s"!tr 'anks +u% n""% t '"*"tt"% '$ th".

In r"!"nt $"ars !riti!s ha*" !har&"% that th" nn:&*"rn"nt +n"% 'anks ar" t

a&&r"ssi*" in th"ir an r"!*"r$ "##rts in !nn"9in +ith husin&, *"hi!" an% p"rsna

ans. Th"r" ar" pr"ss r"prts that th" 'anks an r"!*"r$ "##rts ha*" %ri*"n %"#autin&

'rr+"rs t sui!i%".<4?

 Adoption of banking technology 

Th" IT r"*utin has ha% a &r"at ipa!t n th" In%ian 'ankin& s$st". Th" us" # 

!put"rs has "% t th" intr%u!tin # nin" 'ankin& in In%ia. Th" us" # !put"rs in

th" 'ankin& s"!tr in In%ia has in!r"as"% an$ #% a#t"r th" "!ni! i'"raisatin # 

44 as th" !untr$s 'ankin& s"!tr has '""n "9ps"% t th" +r%s ark"t. In%ian

'anks +"r" #in%in& it %i##i!ut t !p"t" +ith th" int"rnatina 'anks in t"rs # !ust"r 

s"r*i!", +ithut th" us" # in#ratin t"!hn&$.

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Th" RBI s"t up a nu'"r # !itt""s t %"#in" an% !:r%inat" 'ankin& t"!hn&$.

Th"s" ha*" in!u%"%0

• In 4<@ +as #r"% th" Citt"" n M"!hani/atin in th" Bankin& In%ustr$

(4<@)44 +hs" !hairan +as Dr. C Ran&arajan, D"put$ G*"rnr, R"s"r*" Bank

# In%ia. Th" ajr r"!"n%atins # this !itt"" +"r" intr%u!in& MICR

t"!hn&$ in a th" 'anks in th" "trpis"s in In%ia. 45 This pr*i%"% #r th" us"

# stan%ar%i/"% !h"-u" #rs an% "n!%"rs.

• In 4<<, th" RBI s"t up th" Citt"" n Cput"risatin in Banks (4<<) 47

h"a%"% '$ Dr. C Ran&arajan. It "phasi/"% that s"tt""nt p"ratin ust '"

!put"ri/"% in th" !"arin& hus"s # RBI in Bhu'an"sh+ar , Gu+ahati, Jaipur ,

Patna  an% Thiru*ananthapura. It #urth"r stat"% that th"r" shu% '" Natina

C"arin& # int"r:!it$ !h"-u"s  at 1kata, Mu'ai, D"hi,  Ch"nnai  an% MICR

shu% '" a%" p"ratina. It as #!us"% n !put"risatin # 'ran!h"s an%

in!r"asin& !nn"!ti*it$ an& 'ran!h"s thru&h !put"rs. It as su&&"st"%

%aiti"s #r ip""ntin& n:in" 'ankin&. Th" !itt"" su'itt"% its r"prts in

4< an% !put"risatin '"&an #r 47 +ith th" s"tt""nt '"t+""n IBA an%

'ank "p$""s ass!iatins.4@

• In 4@, th" Citt"" n T"!hn&$ Issu"s r"atin& t Pa$"nt s$st"s,

Ch"-u" C"arin& an% S"!uriti"s S"tt""nt in th" Bankin& In%ustr$ (4@) 4 +as

s"t up un%"r Chairan 8 S Sara#. It "phasi/"% E"!trni! un%s Trans#"r  (ET)

s$st", +ith th" BAN1NET !uni!atins n"t+rk as its !arri"r. It as sai% that

MICR !"arin& shu% '" s"t up in a 'ran!h"s # a ths" 'anks +ith r" than

4?? 'ran!h"s.

• In 4, th" Citt"" #r prpsin& 2"&isatin n E"!trni! un%s Trans#"r an%

th"r E"!trni! Pa$"nts (4) 4= a&ain "phasi/"% ET s$st".4@

Tta nu'"rs # ATMs insta"% in In%ia '$ *arius 'anks as n "n% Jun" 5?45 is ,54<.

4> Th" N"+ Pri*at" S"!tr Banks in In%ia ar" ha*in& th" ar&"st nu'"rs # ATMs, +hi!h

is #+"% '$ ##:sit" ATMs '"n&in& t SBI an% its su'si%iari"s an% th"n '$ Natinais"%

'anks an% r"i&n 'anks. 8hi" n sit" is hi&h"st #r th" Natinais"% 'anks # In%ia.

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Branches and ATMs of ched!"ed #o$$erc%a" Ban&s as on end March 2005 '14(

Ban( t)pe Number of bran*hes &n+site A#Ms &ff+site A#Ms #otal A#Ms

 )at%ona"%sed *an&s 33+627 3+205 1+567 4+772

tate Ban& of ,nd%a 13+661 1+548 3+672 5+220

O"d pr%-ate sector *an&s 4+511 800 441 1+241

 )e. pr%-ate sector *an&s 1+685 1+883 3+729 5+612

/ore%n *an&s 242 218 582 800

TOTAL 53,726 7,654 9,409 17,645

%@pansion o# Banking In#!ast!uctu!e

 As p"r C"nsus 5?44, <.> hus"h%s ar" a*aiin& 'ankin& s"r*i!"s in th" !untr$.

Th"r" ar" 4?5,7@7 'ran!h"s # S!h"%u"% C"r!ia Banks (SCBs) in th" !untr$, ut

# +hi!h 7>,7 (7>) 'ank 'ran!h"s ar" in th" rura ar"as an% 5>,54 (5=) in s"i:

ur'an ar"as, !nstitutin& =7 # th" tta nu'"rs # 'ran!h"s in s"i:ur'an an% rura

ar"as # th" !untr$. H+"*"r, a si&ni#i!ant prprtin # th" hus"h%s, "sp"!ia$ in

rura ar"as, ar" sti utsi%" th" #ra #% # th" 'ankin& s$st". T "9t"n% th" r"a!h # 

'ankin& t ths" utsi%" th" #ra 'ankin& s$st", G*"rn"nt an% R"s"r*" Bank # 

In%ia (RBI) ar" takin& *arius initiati*"s #r ti" t ti" s" # +hi!h ar" "nu"rat"%

'"+0

• Op"nin& # Bank Bran!h"s0 G*"rn"nt ha% issu"% %"tai"% strat"&$ an%

&ui%"in"s n inan!ia In!usin in O!t'"r 5?44, a%*isin& 'anks t p"n

'ran!h"s in a ha'itatins # ,??? r r" ppuatin in un%"r:'ank"% %istri!ts

an% 4?,??? r r" ppuatin in th"r %istri!ts. Out # 7,5 su!h i%"nti#i"%

*ia&"s;ha'itatins, 'ran!h"s ha*" '""n p"n"% in 7,@?5 *ia&"s;ha'itatins

(in!u%in& 5,454 tra Sa Bran!h"s) '$ "n% # Apri, 5?47.

• Ea!h hus"h% t ha*" at "ast n" 'ank a!!unt0 Banks ha*" '""n a%*is"% t

"nsur" s"r*i!" ar"a 'ank in rura ar"as an% 'anks assi&n"% th" r"spnsi'iit$ in

sp"!i#i! +ar%s in ur'an ar"a t "nsur" that "*"r$ hus"h% has at "ast n" 'ank

a!!unt.

• Busin"ss Crr"spn%"nt M%"0 8ith th" 'j"!ti*" # "nsurin& &r"at"r #inan!ia

in!usin an% in!r"asin& th" utr"a!h # th" 'ankin& s"!tr, 'anks +"r" p"ritt"%

'$ RBI in 5??= t us" th" s"r*i!"s # int"r"%iari"s in pr*i%in& #inan!ia an%

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'ankin& s"r*i!"s thru&h th" us" # Busin"ss a!iitatrs (Bs) an% Busin"ss

Crr"spn%"nts (BCs). Busin"ss !rr"spn%"nts ar" r"tai a&"nts "n&a&"% '$

'anks #r pr*i%in& 'ankin& s"r*i!"s at !atins th"r than a 'ank 'ran!h;ATM.

BCs an% th" BC A&"nts (BCAs) r"pr"s"nt th" 'ank !n!"rn"% an% "na'" a 'ank

t "9pan% its utr"a!h an% ##"r iit"% ran&" # 'ankin& s"r*i!"s at + !st,

parti!uar$ +h"r" s"ttin& up a 'ri!k an% rtar 'ran!h is nt *ia'". BCs as a&"nts

# th" 'anks, thus, ar" an int"&ra part # th" 'usin"ss strat"&$ #r a!hi"*in&

&r"at"r #inan!ia in!usin. Banks ha% '""n p"ritt"% t "n&a&" in%i*i%uas;"ntiti"s

as BC ik" r"tir"% 'ank "p$""s, r"tir"% t"a!h"rs, r"tir"% &*"rn"nt

"p$""s, "9:s"r*i!""n, in%i*i%ua +n"rs # kirana;"%i!a;#air pri!" shps,

in%i*i%ua Pu'i! Ca O##i!" (PCO) p"ratrs, a&"nts # Sa Sa*in&s S!h""s # 

G*"rn"nt # In%ia, insuran!" !pani"s, "t!. urth"r, sin!" S"pt"'"r 5?4?,

RBI ha% p"ritt"% 'anks t "n&a&" K#r pr#itK !pani"s r"&ist"r"% un%"r th"

In%ian Cpani"s A!t, 4=, "9!u%in& Nn:Bankin& inan!ia Cpani"s

(NBCs), as BCs in a%%itin t in%i*i%uas;"ntiti"s p"ritt"% "ari"r. A!!r%in& t

th" %ata aintain"% '$ RBI, as in D"!"'"r, 5?45, th"r" +"r" *"r 45,??? BCs

%"p$"% '$ Banks. Durin& 5?45:47, *"r 4<7.< iin transa!tins *au"% at 4=

'iin (SF5.< 'iin) ha% '""n un%"rtak"n '$ BCs ti D"!"'"r 5?45.

• S+a'hiaan Capai&n0 n%"r KS+a'hiaanK : th" inan!ia In!usin Capai&n

aun!h"% in "'ruar$ 5?44, 'anks ha% pr*i%"% 'ankin& #a!iiti"s '$ Mar!h, 5?45

t *"r >@,??? ha'itatins ha*in& ppuatin in "9!"ss # 5??? usin& *arius

%"s an% t"!hn&i"s in!u%in& 'ran!h"ss 'ankin& thru&h Busin"ss

Crr"spn%"nts A&"nts (BCAs). urth"r, in t"rs # inan!" Minist"rs Bu%&"t

Sp""!h 5?45:47, th" KS+a'hiaanK !apai&n has '""n "9t"n%"% t ha'itatins

+ith ppuatin # r" than 4,??? in Nrth East"rn an% Hi$ Stat"s  an% t

ha'itatins +hi!h ha*" !rss"% ppuatin # 4,=?? as p"r !"nsus 5??4. A'ut

@?,??? su!h ha'itatins ha*" '""n i%"nti#i"% t '" !*"r"% un%"r th" "9t"n%"%

KS+a'hiaanK !apai&n.

• S"ttin& up # tra Sa Bran!h"s (SBs)0 Cnsi%"rin& th" n""% #r !s"

sup"r*isin an% "ntrin& # th" Busin"ss Crr"spn%"nt A&"nts (BCAs) '$ th"

r"sp"!ti*" 'anks an% t "nsur" that a ran&" # 'ankin& s"r*i!"s ar" a*aia'" t

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th" r"si%"nts # su!h *ia&"s, tra Sa Bran!h"s (SBs) ar" '"in& s"t up in a

*ia&"s !*"r"% thru&h BCAs un%"r inan!ia In!usin. A SB +u% !pris"

# a sa ar"a # 4?? s- #t (.7 5) : 5?? s- #t (4 5) +h"r" th" ##i!"r %"si&nat"%

'$ th" 'ank +u% '" a*aia'" +ith a aptp n pr":%"t"rin"% %a$s. 8hi" th"

!ash s"r*i!"s +u% '" ##"r"% '$ th" BCAs, th" 'ank ##i!"r +u% ##"r th"r 

s"r*i!"s, un%"rtak" #i"% *"ri#i!atin an% #+ up n th" 'ankin& transa!tins.

Th" p"ri%i!it$ an% %uratin # *isits !an '" pr&r"ssi*"$ "nhan!"% %"p"n%in&

upn 'usin"ss pt"ntia in th" ar"a. A tta # *"r ?,??? SBs ha*" '""n s"t up

in th" !untr$ '$ Mar!h, 5?47.

• Bankin& a!iiti"s in n'ank"% B!ks0 A th" 45 un'ank"% '!ks (4 in Nrth

East Stat"s an% 7< in th"r Stat"s) i%"nti#i"% in th" !untr$ in Ju$ 5??, ha% '""npr*i%"% +ith 'ankin& #a!iiti"s '$ Mar!h 5?45, "ith"r thru&h Bri!k Mrtar Bran!h

r Busin"ss Crr"spn%"nts r M'i" *an. As a n"9t st"p it has '""n a%*is"% t

!*"r a ths" '!ks +ith BCA an% tra Sa Bran!h +hi!h ha*" s #ar '""n

!*"r"% '$ 'i" *an n$.

• SSD  Bas"% M'i" Bankin&0 Natina Pa$"nts Crpratin # In%ia  (NPCI)

+rk"% upn a KCn SSD Pat#rK #r a 'anks an% t"!s +h +ish t

##"r th" #a!iit$ # M'i" Bankin& usin& nstru!tur"% Supp""ntar$ S"r*i!" Data

(SSD) 'as"% M'i" Bankin&. Th" D"part"nt h"p"% NPCI t &"t a !n

SSD C%" #r a t"!s. Mr" than 5? 'anks ha*" jin"% th" Natina

ni#r SSD Pat#r (NP) # NPCI an% th" pr%u!t has '""n aun!h"% '$

NPCI +ith BSN2 an% MTN2. Oth"r t"!s ar" ik"$ t jin in th" n"ar #utur". SSD

'as"% M'i" Bankin& ##"rs 'asi! Bankin& #a!iiti"s ik" Mn"$ Trans#"r, Bi

Pa$"nts, Baan!" En-uiri"s, M"r!hant Pa$"nts "t!. n a sip" GSM 'as"%

M'i" phn", +ithut th" n""% t %+na% appi!atin n a phn" as r"-uir"% atpr"s"nt in th" IMPS 'as"% M'i" Bankin&.

St"ps tak"n '$ R"s"r*" Bank # In%ia (RBI) t str"n&th"n th" Bankin& In#rastru!tur"

• RBI has p"ritt"% %"sti! S!h"%u"% C"r!ia Banks ("9!u%in& RRBs) t

p"n 'ran!h"s in ti"r 5 t ti"r = !iti"s (+ith ppuatin up t , as p"r !"nsus

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5??4) +ithut th" n""% t tak" p"rissin #r RBI in "a!h !as", su'j"!t t

r"prtin&.

• RBI has as p"ritt"% SCBs ("9!u%in& RRBs) t p"n 'ran!h"s in rura, s"i:

ur'an an% ur'an !"ntr"s in Nrth East"rn Stat"s an% Sikki +ithut ha*in& th"

n""% t tak" p"rissin #r RBI in "a!h !as", su'j"!t t r"prtin&.

• R"&ina Rura Banks (RRBs) ar" as a+"% t p"n 'ran!h"s in Ti"r 5 t Ti"r =

!"ntr"s (+ith ppuatin up t , as p"r C"nsus 5??4) +ithut th" n""% t

tak" p"rissin #r RBI in "a!h !as", su'j"!t t r"prtin&, pr*i%"% th"$ #u#i th"

#+in& !n%itins, as p"r th" at"st insp"!tin r"prt0

o CRAR # at "ast

o N"t NPA "ss than

o N %"#aut in CRR ; S2R #r th" ast $"ar

o N"t pr#it in th" ast #inan!ia $"ar

o CBS !piant.

• D"sti! SCBs ha*" '""n a%*is"% that +hi" pr"parin& th"ir Annua Bran!h

E9pansin Pan (ABEP), th"$ shu% a!at" at "ast 5 # th" tta nu'"r # 

'ran!h"s prps"% t '" p"n"% %urin& th" $"ar in un'ank"% Ti"r an% Ti"r =

!"ntr"s i.". (ppuatin up t ,) !"ntr"s +hi!h % nt ha*" a 'ri!k an% rtar 

stru!tur" # an$ SCB #r !ust"r 'as"% 'ankin& transa!tins.

• RRBs ha*" as '""n a%*is"% t a!at" at "ast 5 # th" tta nu'"r # 

'ran!h"s prps"% t '" p"n"% %urin& a $"ar in un'ank"% rura (Ti"r an% Ti"r 

=) C"ntr"s).

• N"+ pri*at" s"!tr 'anks ar" r"-uir"% t "nsur" that at "ast 5 # th"ir tta

'ran!h"s ar" in s"i:ur'an an% rura !"ntr"s n an n&in& 'asis.

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Banking Ove!vieF

Th" ajr parti!ipants # th" In%ian #inan!ia s$st" ar" th" !"r!ia 'anks, th"

#inan!ia institutins (Is), "n!passin& t"r:"n%in& institutins, in*"st"nt institutins,sp"!iai/"% #inan!ia institutins an% th" stat":"*" %"*"p"nt 'anks, Nn:Bank

inan!ia Cpani"s (NBCs) an% th"r ark"t int"r"%iari"s su!h as th" st!k 'rk"rs

an% n"$:"n%"rs. Th" !"r!ia 'anks an% !"rtain *ariants # NBCs ar" an& th"

%"st # th" ark"t parti!ipants. Th" Is, n th" th"r han%, ar" r"ati*"$ n"+ "ntiti"s in

th" #inan!ia ark"t pa!".

Histo!ical0(e!spective 

Bank # Hin%ustan, s"t up in 4<>?, +as th" "ari"st In%ian Bank . Bankin& in In%ia n

%"rn in"s start"% +ith th" "sta'ish"nt # thr"" pr"si%"n!$ 'anks un%"r Pr"si%"n!$

Banks a!t 4<>= i.". Bank # Ca!utta, Bank # B'a$ an% Bank # Ma%ras. In 454, a

pr"si%"n!$ 'anks +"r" aa&aat"% t #r th" Ip"ria Bank # In%ia. Ip"ria 'ank

!arri"% ut iit"% !"ntra 'ankin& #un!tins as prir t "sta'ish"nt # RBI. It "n&a&"%

in a t$p"s # !"r!ia 'ankin& 'usin"ss "9!"pt %"ain& in #r"i&n "9!han&".

R"s"r*" Bank # In%ia A!t +as pass"% in 47@ 3 R"s"r*" Bank # In%ia (RBI) +as

!nstitut"% as an ap"9 'ank +ithut ajr &*"rn"nt +n"rship. Bankin& R"&uatins

 A!t +as pass"% in 4@. This r"&uatin 'ru&ht R"s"r*" Bank # In%ia un%"r 

&*"rn"nt !ntr. n%"r th" a!t, RBI &t +i%" ran&in& p+"rs #r sup"r*isin 3 !ntr

# 'anks. Th" A!t as *"st"% i!"nsin& p+"rs 3 th" authrit$ t !n%u!t insp"!tins in

RBI.

In 4, RBI a!-uir"% !ntr # th" Ip"ria Bank # In%ia, +hi!h +as r"na"% as

Stat" Bank # In%ia. In 4, SBI tk *"r !ntr # "i&ht pri*at" 'anks #at"% inth" "rst+hi" prin!"$ stat"s, akin& th" as its 4?? su'si%iari"s.

RBI +as "p+"r"% in 4=?, t #r!" !pusr$ "r&"r # +"ak 'anks +ith th"

strn& n"s. Th" tta nu'"r # 'anks +as thus r"%u!"% #r == in 44 t < in

4=. In Ju$ 4=, &*"rn"nt natinai/"% 4@ 'anks ha*in& %"psits # Rs.?

!rr"s3 a'*". In 4<?, &*"rn"nt a!-uir"% = r" 'anks +ith %"psits # r"

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than Rs.5?? !rr"s. Natinai/atin # 'anks +as t ak" th" pa$ th" r" # 

!ata$ti! a&"nts #r "!ni! &r+th. Th" Narsiha Citt"" r"prt su&&"st"%

+i%" ran&in& r"#rs #r th" 'ankin& s"!tr in 45 t intr%u!" int"rnatina$

a!!"pt"% 'ankin& pra!ti!"s.

Th" a"n%"nt # Bankin& R"&uatin A!t in 47 sa+ th" "ntr$ # n"+ pri*at"

s"!tr 'anks.

Bankin& S"&"nt in In%ia #un!tins un%"r th" u'r"a # R"s"r*" Bank # In%ia :

th" r"&uatr$, !"ntra 'ank. This s"&"nt 'ra%$ !nsists #0

/7 Coe!cial Banks

-7 Co0ope!ative Banks

Coe!cial Bank

Th" !"r!ia 'ankin& stru!tur" in In%ia !nsists #0

• S!h"%u"% C"r!ia Banks

• ns!h"%u"% Banks

S!h"%u"% !"r!ia Banks !nstitut" ths" 'anks +hi!h ha*" '""n in!u%"% in

th" S"!n% S!h"%u" # R"s"r*" Bank # In%ia (RBI) A!t, 47@. RBI in turn in!u%"s

n$ ths" 'anks in this s!h"%u" +hi!h satis#$ th" !rit"ria ai% %+n *i%" s"!tin @5

(=? # th" A!t. S" !:p"rati*" 'anks ar" s!h"%u"% !"r!ia 'anks a'"it nt

a !:p"rati*" 'anks ar". B"in& a part # th" s"!n% s!h"%u" !n#"rs s"

'"n"#its t th" 'ank in t"rs # a!!"ss t a!!%atin '$ RBI %urin& th" ti"s

# i-ui%it$ !nstraints. At th" sa" ti", h+"*"r, this status as su'j"!ts th"

'ank !"rtain !n%itins an% 'i&atin t+ar%s th" r"s"r*" r"&uatins # RBI. This

su' s"!tr !an 'ra%$ '" !assi#i"% int0

4. Pu'i! s"!tr

5. Pri*at" s"!tr 

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7. r"i&n 'anks.

,o+operati-e ban( 

Th"r" ar" t+ ain !at"&ri"s # th" !:p"rati*" 'anks.(a) "5o!t te! lending o!iented co0ope!ative Banks : +ithin this !at"&r$ th"r" ar"

thr"" su' !at"&ri"s # 'anks *i/ stat" !:p"rati*" 'anks, Distri!t !:p"rati*" 'anks

an% Priar$ ri!utura !:p"rati*" s!i"ti"s.

(') Long te! lending o!iented co0ope!ative Banks : +ithin th" s"!n% !at"&r$ th"r"

ar" an% %"*"p"nt 'anks at thr"" "*"s stat" "*", %istri!t "*" an% *ia&" "*".

Th" !:p"rati*" 'ankin& stru!tur" in In%ia is %i*i%"% int #+in& ain !at"&ri"s 0

/7 (!ia!: $!=an Co0op Banks'

-7 (!ia!: Ag!icultu!al C!edit "ocieties'

<7 Dist!ict Cent!al Co0op Banks'

1, "tate Co0ope!ative Banks'

>7 Land Developent Banks'

Banking Basics

Bankin& R"&uatin A!t # In%ia, 4@ %"#in"s Bankin& as Ka!!"ptin&, #r th" purps" # 

"n%in& r in*"st"nt # %"psits # n"$ #r th" pu'i!, r"pa$a'" n %"an% r 

th"r+is" an% +ith%ra+ a'" '$ !h"-u"s, %ra#t, r%"r r th"r+is".K

Mst # th" a!ti*iti"s a Bank p"r#rs ar" %"ri*"% #r th" a'*" %"#initin. In a%%itin,

Banks ar" a+"% t p"r#r !"rtain a!ti*iti"s +hi!h ar" an!iar$ t this 'usin"ss # 

a!!"ptin& %"psits an% "n%in&. A 'anks r"atinship +ith th" pu'i!, th"r"#r", r"**"s

arun% a!!"ptin& %"psits an% "n%in& n"$. Anth"r a!ti*it$ +hi!h is assuin&in!r"asin& iprtan!" is trans#"r # n"$ : 'th %"sti! an% #r"i&n : #r n" pa!"

t anth"r. This

Bankin& in In%ia has its ri&in as "ar$ as th" V"%i! p"ri%. It is '"i"*"% that th" transitin

#r n"$ "n%in& t 'ankin& ust ha*" !!urr"% "*"n '"#r" Manu. Th" &r"at Hin%u

Jurist, +h %"*t"% a s"!tin # his +rk t %"psits an% a%*an!"s an% a$ %+n ru"s

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r"atin& t rat" # int"r"st. Durin& th" M&u p"ri%, th" in%i&"nus 'ank"r pa$"% a *"r$

iprtant r" in "n%in& n"$ an% #inan!in& #r"i&n tra%" an% !"r!". Durin& th"

%a$s # th" East In%ia Cpan$ it +as th" turn # th" a&"n!$ hus"s t !arr$ n th"

'ankin& 'usin"ss.

Th" G"n"ra Bank # In%ia +as th" #irst jint St!k Bank t '" "sta'ish"% in th" $"ar 

4><=. Th" th"rs, +hi!h #+"%, +"r" th" Bank # Hin%ustan an% B"n&a Bank. Th"

'ank # Hin%ustan is r"prt"% t ha*" !ntinu"% ti 4?= +hi" th" th"r t+ #ai"% in th"

"anti". In Bank # B"n&a in 4<?, th" Bank # B'a$ in 4<@? an% th" 'ank # 

a%ras in 4<@7. Th"s" thr"" 'anks as kn+n as pr"si%"n!$ Bank +"r" in%"p"n%"nt

units an% #un!tin"% +". Th"s" thr"" 'anks +"r" aa&a

at"% n 5>th Januar$ 454. 8ith th" passin& # th" Stat" Bank # In%ia A!t in 4 th"

R"s"r*" Bank # In%ia A!t 47@. In th" +ak" # th" S+a%"shi M*""nt, a nu'"r # 

'ank +ith In%ian ana&""nt +"r" "sta'ish in th" !untr$ na"$, Punja' Natina

Bank 2t%., Bank # In%ia 2t%., th" C"ntra Bank # In%ia 2t%., In%ian Bank 2t%., th" Bank # 

Bar%a 2t%., an% th" C"ntra Bank # In%ia 2t%. On Ju$ 4, 4= #urt""n ajr 'anks # 

th" Cuntr$ +"r" natinai/"% 3 in 4th Apri 4<? si9 r" !"r!ia pri*at" s"!tr 

'anks +"r" as tak"n *"r '$ th" G*"rn"nt.

T%a$ th" !"r!ia 'ankin& s$st" in In%ia a$ '" %istin&uish"% int

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($BLIC "%CTOR BANK"0

  Stat" Bank # In%ia 3 its ass!iat" 'ank !a"% th" Stat" Bank Grup, 5? natinai/"%

'anks, R"&ina Rura Banks ain$ spnsr"% '$ pu'i! s"!tr 'anks O% &"n"ratin

pri*at" 'ank, N"+ &"n"ratin pri*at" 'ank, #r"i&n 'anks in In%ia, S!h"%u"% !:

p"rati*" 'ank, nn:s!h"%u"% 'anks

CO0O(%RATI9% "%CTOR BANK"'

Th" !:p"rati*" s"!tr has '""n %"*"p"% in th" !untr$ t th" supp""nt th" Via&"

n"$"n%"r. Th" !:p"rati*" 'ankin& s"!tr in In%ia is %i*i%"% int #ur !pn"nts

Stat" C:p"rati*" Banks, C"ntra C:p"rati*" Banks, Priar$

 A&ri!utur" Cr"%it S!i"ti"s, 2an% D"*"p"nt Banks, r'an C:p"rati*" 'anks,

Priar$ A&ri!utur" D"*"p"nt Banks, Priar$ 2an% D"*"p"nt Banks, an% Stat"

2an% D"*"p"nt Banks.

T5e +lo=al Indian *inancial "e!vices B!and

• Our !ust"rs +i "nj$ th" '"n"#its # %"ain& +ith a &'a In%ian 'ran% that '"st

un%"rstan%s th"ir n""%s an% %"i*"rs !usti/"% pra&ati! sutins a!rss

utip" pat#rs.

• 8" +i '" a +r% !ass In%ian #inan!ia s"r*i!"s &rup. Our t"!hn&$ an% '"st

pra!ti!"s +i '" '"n!h:ark"% an& int"rnatina in"s +hi" ur un%"rstan%in& # 

!ust"rs +i '" uni-u"$ In%ian.

• 8" +i '" r" than a r"psitr$ # ur !ust"rs sa*in&s. 8", th" &rup, +i '"

sin&" +in%+ t "*"r$ #inan!ia s"r*i!" in a !ust"rs uni*"rs".

D%9%LO(M%NT BANK"0

In%ustria inan!" Crpratin # In%ia (ICI), In%ustria D"*"p"nt Bank # In%ia

(IDBI), In%ustria Cr"%it an% In*"st"nt Crpratin # In%ia (ICICI), In%ustria In*"st"nt

Bank # In%ia (IIBI), Sa In%ustria D"*"p"nt Bank # In%ia(SIDBI), SCICI 2t%.,

Natina Bank #r A&ri!utur" an% Rura D"*"p"nt(NABARD?, E9prt Iprt Bank # 

In%ia.

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NATIONAL HO$"IN+ BANK '

Th" In%ian 'ankin& !an '" 'ra%$ !at"&ri/"% int Natinai/"%, Pri*at" Banks 3

Sp"!iai/"% Bankin& Institutin. Th" RBI A!t as a !"ntrai/"% '%$ nitrin& an%%is!r"pan!i"s an% shrt !in& in th" s$st". Sin!" th" Natinai/atin # Banks in

4=, th" pu'i! s"!tr 'anks ha*" a!!ru"% a pa!" # prin"n!" an% ha*" sin!" th"n

s""n tr""n%us pr&r"ss. Cns"r*ati*" 'ankin& pra!ti!"s a+"% In%ia Banks t '"

insuat"% partia$ #r th" Asia !urr"n!$ !ris"s, In%ia 'anks ar" n+ -utin& a hi&h"r 

*auatin +h"n !par"% t Bank t th"r Asian !untri"s that ha*" ajr pr'"s

ink"% t hu&" NPA6s an% pa$"nt %"#auts. C:p"rati*" 'anks ar" ni'" #t"% in

appra!h an% ar"% +ith "##i!i"nt 'ran!h n"t+rk #!us priari$ n th" hi&h r"*"nu"

ni!h" r"tai s"&"nts. Th" In%ia 'ankin& +as #ina$ +rk"% up t th" !p"titi*"

%$nai! # th" n"+ In%ia ark"t an% is a%%r"ssin& th" r""*ant issu"s t tak" n th"

uti#arius !ha"n&"s # &'ai/atin.

Pri*at" Banks has '""n #ast n th" uptak" an% is r"ri"ntin& th"ir strat"&i"s usin& th"

int"r"st as a "%iu. Th" Int"r"st has ""r&"% as th" n"+ !ha"n&in& #rnti"r # 

ark"tin&. Th" ar&" %"s # i'"rai/atin ha*" ar&"$ 'ru&ht this trans#ratin an%

"!ni! r"#rs that a+"% 'anks t "9pr" n"+ 'usin"ss pprtuniti"s rath"r 

&"n"ratin& r"*"nu"s #r !n*"ntina str"as i.". 'rr+in& an% "n%in&.

Th" 'ankin& in In%ia is hi&h$ #ra&"nt"% +ith 'ankin& unit !ntri'utin& t ast # 

%"psits an% =? # a%*an!"s. In%ian natinai/"% 'anks !ntinu" t '" th" ajr "n%"r 

in th" "!n$ %u"t t th"ir sh""r si/" an% p"n"trati*" n"t+rks +hi!h assur"s th"

hi&h %"psit 'ii/atin. Th" In%ia 'ankin& !an '" 'ra%$ !at"&ri/"% int natinai/"%,

pri*at" 'anks an% sp"!iai/"% 'ankin& institutins. Th" RBI a!ts as a !"ntrai/"% '%$

nitrin& an$ %is!r"pan!i"s an% shrt!in& in th" s$st". It is #r"st nitrin&

'%$ in th" In%ian #inan!ia s"!tr. Th" natinai/"% 'anks !ntinu" that ut # 

!"r!ia 'anks p"ratin& in In%ia, 'anks ar" in th" pu'i! s"!tr an% ar" in th"

pri*at" s"!tr. Th" pri*at" s"!tr 'ank &ri%s as in!u%" #r"i&n 'anks that ha*" start"%

th"ir p"ratin h"r".

1OTA1 MAHINDRA GROP is n" # In%ia6s "a%in& #inan!ia institutins, ##"rin&

!p"t" #inan!ia sutins that "n!pass "*"r$ sph"r" # i#". r !"r!ia

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'ankin&, t st!k 'rkin&, t utua #un%s, t i#" insuran!", t in*"st"nt 'ankin&, th"

!at"rs t th" #inan!ia n""%s # in%i*i%uas an% !rprat".

Th" &rup has a n"t +rth # arun% Rs.5?? !rr"s an% "p$s *"r <<??"p$""s

in its *arius 'usin"ss"s. 8ith a pr"s"n!" in >@ !iti"s in In%ia an% ##i!"s in N"+ rk,

2n%n, Du'ai an% Mauritius, it pr*i%"s s"r*i!"s t a !ust"r 'as" # *"r ,??,???.

1takahin%ra has int"rnatina partn"rships +ith G%an Sa!hs (n" # th" +r%6s

ar&"st in*"st"nt 'anks an% 'rk"ra&" #irs), r% !r"%it (n" # th" +r%6s ar&"st

%"%i!at"% aut'i" #inan!i"rs) an% % Mutua (a ar&" insuran!", 'ankin& an% ass"t

ana&""nt !n&"rat").

O$R COR(ORAT% ID%NTIT

 An i%"a in th" hi&h"st s"ns" # a +r% !annt '" !n*"$"%, 'ut, a s$' !an '"0

Th" s$' # th" In#init" 1a r"#"!ts ur &'a In%ian p"rsnait$. Th" 1a is uni-u"$

+hi" its !ur*" #rs th" in#init$ si&n, +hi!h is uni*"rsa. On" # th" 'asi! t"n"ts # 

"!ni!s is that an6s n""%s ar" uniit"%. Th" In#init" 1a s$'i/"s that +" ha*" an

in#init" nu'"r # +a$s t ""t ths" n""%s.

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9I"ION "TAT%M%NT

T5e glo=al Indian #inancial se!vices =!and' ur !ust"rs +i "nj$

th" '"n"#its # %"ain& +ith a &'a In%ian 'ran% that '"st un%"rstan% th"ir 

n""%s an% %"i*"rs !usti/"% pra&ati! sutins a!rss utip" pat#rs.8" +i '" a +r%:!ass In%ian #inan!ia s"r*i!"s &rup. Our t"!hn&$ an%

'"st pra!ti!"s +i '" '"n!hark"% an& int"rnatina in"s +hi" ur 

un%"rstan%in& # !ust"rs +i '" uni-u"$ In%ian. 8" +i '" r" than a

r"psitr$ # ur !ust"rs6 sa*in&s. 8", th" &rup, +i '" a sin&" +in%+ t

"*"r$ #inan!ia s"r*i!" in !stu"r6s uni*"rs".

T5e ost p!e#e!!ed eplo:e! in #inancial se!vices' A !utur" # "p+"r"nt an% a spirit # "nt"rpris" attra!ts 'ri&ht in% +ith an

"ntr"pr"n"uria st"ak t jin us an% sta$ +ith us. 8rkin& +ith a h" &r+n,

pr#"ssina$:ana&"% !pan$, +hi!h has partn"rships +ith int"rnatina

"a%"r, &i*"s ur p"p" a p"rsp"!ti*" that is uni*"rsa as +" as uni-u".

T5e ost t!usted #inancial se!vices copan:G 0 8" +i !r"at" an

"ths # trust a!rss a ur !nstitu"nts. A%h"rin& t hi&h stan%ar%s # 

!pian!" an% !p"rat"% &*"rnan!" +i '" an int"&ra part # 'ui%in& trust.

9alue c!eation' Vau" !r"atin rath"r than si/" an" +i '" ur 'usin"ss

%ri*"r 

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ota& Mah%ndra ec!r%t%es td ota& Mah%ndra Ban& td

ota& Mah%ndra #ap%ta" td

ota& Mah%ndra A$c tda& O"d M!t!a" %fe ,ns!rance

K% +RO$( COM(ANI%" AND TH%IR B$"IN%""

Kotak Ma5ind!a Bank Ltd. Is th" 1tak Mahin%ra Grup6s #a&ship !pan$. 1tak

Mahin%ra inan!" 2t% that +as "sta'ish"% in 4<, +as !n*"rt"% int a 'ank L 1takMahin%ra Bank 2t% in Mar!h 5??7 thus '"!in& th" #irst In%ian #inan!" !pan$ t '"

!n*"rt"% int a Bank. It6s 'ankin& p"ratins ##"rs a !"ntra pat#r #r !ust"r 

r"atinships a!rss th" &rup6s *arius 'usin"ss"s. Th" 'ank has pr"s"n!" in th"

C"r!ia V"hi!"s, R"tai inan!", Crprat" Bankin& an% Tr"asur$ an% has r"!"nt$

"nt"r"% th" Husin& inan!" s"&"nt Kotak Ma5ind!a Capital Copan:1tak

Mahin%ra Capita Cpan$ 2iit"% (1MCC), In%ia6s pr"i"r In*"st"nt Bank an% a

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Priar$ D"a"r (PD) appr*"% '$ th" RBI, is a strat"&i! jint *"ntur" '"t+""n 1tak

Mahin%ra Bank 2iit"% an% th" G%an Sa!hs Grup, 22P. kMCC6s !r" 'usin"ss

ar"as in!u%" E-uit$ Issuan!"s, "r&"rs 3 A!-uisitins, Stru!tur"% inan!" an% A%*isr$

S"r*i!"s, i9"% in!" S"!uriti"s an% Prin!ipa Busin"ss.

 A!ti*it$ is &"n"ra$ kn+n as Kr"ittan!" 'usin"ssK in 'ankin& paran!". Th" s !a"%

#r"9 (#r"i&n "9!han&") 'usin"ss is ar&"$ a part # r"ittan!" a'"it it in**"s 'u$in&

an% s"in& # #r"i&n !urr"n!i"s.

Th" a+ &*"rnin& Bankin& A!ti*iti"s in In%ia is !a"% KN"&tia'" Instru"nts A!t 4<<4K.

Th" 'ankin& a!ti*iti"s !an '" !assi#i"% asA!!"ptin& D"psits #r pu'i!;th"rs

(D"psits)

2"n%in& n"$ t pu'i! (2ans)Trans#"rrin& n"$ #r n" pa!" t anth"r 

(R"ittan!"s)A!tin& as trust""sA!tin& as int"r"%iari"s1""pin& *aua'"s in sa#"

!ust%$C"!tinBusin"ssG*"rn"nt 'usin"ss.

Bank Account

 A Bank A!!unt is th" r"!r% # #inan!ia r"atinship a !ust"r has +ith th" Bank. It

!ntains %"tais # a th" n"$s %"psit"% +ith th" Bank an% +ith%ra+n #r it. Th"r"

ar" an$ Bank a!!unts, 'ut 'asi!a$ th"r" ar" t+ t$p"s0

D%(O"IT"

LOAN"

Banks ar" an& th" ain parti!ipants # th" #inan!ia s$st" in In%ia. Bankin& ##"rs

s"*"ra #a!iiti"s 3 Opprtuniti"s. This s"!tin # th" pr*i%"s !pr"h"nsi*" an%

up%at"% in#ratin,&ui%an!" an% assistan!" n a ar"as # 'ankin& in In%ia.Bank # 

Hin%ustan, s"t up in 4<>?, +as th" "ari"st In%ian Bank . Bankin& in In%ia n %"rn

in"s start"% +ith th" "sta'ish"nt # thr"" pr"si%"n!$ 'anks un%"r Pr"si%"n!$ Banks

a!t 4<>= i.". Bank # Ca!utta, Bank # B'a$ an% Bank # Ma%ras. In 454, a

pr"si%"n!$ 'anks +"r" aa&aat"% t #r th"Ip"ria Bank # In%ia.

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Th" !"r!ia 'ankin& stru!tur" in In%ia !nsists #0 S!h"%u"% C"r!ia Banks 3

ns!h"%u"% Banks. Bankin& R"&uatin A!t # In%ia, 4@ %"#in"s Bankin& as

Ka!!"ptin&, #r th" purps" # "n%in& r in*"st"nt # %"psits # n"$ #r th" pu'i!,

r"pa$a'" n %"an% r th"r+is" an% +ith%ra+a'" '$ !h"-u"s, %ra#t, r%"r r 

th"r+is".K

Th" S#t+ar" Pa!ka&"s #r Bankin& Appi!atins in In%ia ha% th"ir '"&innin&s in th"

i%%" # <?s, +h"n th" Banks. spurr"% n '$ RBI an% th" Ran&arajan Citt""

R"prt, start"% !put"risin& th" 'ran!h"s in a iit"% ann"r.

Th" arri*a # #r"i&n an% pri*at" 'anks +ith th"ir sup"rir stat":#:th":art t"!hn&$:

'as"% s"r*i!"s push"% In%ian Banks as t #+ suit '$ &in& in #r th" at"st

t"!hn&i"s s as t ""t th" thr"at # !p"titin an% r"tain !ust"r 'as".

*unctioning o# a Bank

un!tinin& # a Bank is an& th" r" !pi!at"% # !rprat"p"ratins.

Sin!" Bankin& in**"s %"ain& %ir"!t$ +ith n"$, &*"rn"nts in st !untri"s

r"&uat" this s"!tr rath"r strin&"nt$. In In%ia, th" r"&uatin tra%itina$ has '""n

*"r$ stri!t an% in th" pinin # !"rtain -uart"rs, r"spnsi'" #r th" pr"s"nt

!n%itin # 'anks, +h"r" NPAs ar" # a *"r$ hi&h r%"r. Th" pr!"ss # #inan!ia

r"#rs, +hi!h start"% in 44 has !"ar"% th" !'+"'s s"+hat 'ut a t

r"ains t '" %n". Th" utipi!it$ # pi!$ an% r"&uatins that a Bank has t

+rk +ith, ak"s its p"ratins "*"n r" !pi!at"%, s"ti"s 'r%"rin& n

i&i!a. This s"!tin, +hi!h is as int"n%"% #r 'ankin& pr#"ssina, att"pts t

&i*" an *"r*i"+ # th" #un!tins in as sip" ann"r as pssi'".

Bankin& R"&uatin A!t # In%ia, 4@ %"#in"s Bankin& as Ka!!"ptin&, #r th"

purps" # "n%in& r in*"st"nt # %"psits # n"$ #r th" pu'i!, r"pa$a'"

n %"an% r th"r+is" an% +ith%ra+a'" '$ !h"-u"s, %ra#t, r%"r r th"r+is".K

D"ri*in& #r this %"#initin an% *i"+"% s"$ #r th" pint # *i"+ # th"

!ust"rs, Banks "ss"ntia$ p"r#r th" #+in& #un!tins 0

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 A!!"ptin& D"psits #r pu'i!;th"rs (D"psits)

2"n%in& n"$ t pu'i! (2ans)

Trans#"rrin& n"$ #r n" pa!" t anth"r  (R"ittan!"s)

 A!tin& as trust""s

1""pin& *aua'"s in sa#" !ust%$

G*"rn"nt 'usin"ss

But % th"s" #un!tins !nstitut" 'ankin&Q Th" ans+"r ust '" a n. Th"r" ar" s

an$ intri!a!i"s in**"% in th" a!ti*iti"s that a 'ank p"r#rs t%a$, that th" a'*"

ist ust sun% *"r$ sip" t a s"asn"% 'ank"r. P"as" !i!k n th" a!ti*it$ t

s"" +hat a Bank has t % t &i*" th" a'*" s"r*i!"s t its !ust"rs. Th"s"

a!ti*iti"s !an as '" %"s!ri'"% as 'a!k ##i!" 'ankin&.

Banks ar" r&ani/"% in a in"ar stru!tur" t p"r#r"% th"s" a!ti*iti"s at th" 'as"

# +hi!h i"s a Bran!h. Th" !rprat" ##i!" # a 'ank is nra$ !a"% H"a%

O##i!".

Indust!: p!o#ile

r r" than thr"" %"!a%"s th" 'ankin& s"!tr in In%ia has "9!"ptina a!hi"*""nts.

Th" st strikin& is its "9t"nsi*" r"a!h. It is nt n$ "trpitan an% !spitan

!iti"s it has r"a!h"% "*"r$ r"t" !rn"r # th" !untr$. This has "% t tr""n%us

&r+th in th" 'ankin& s"!tr.

Eari"r n" t ha% +ait #r hurs t &"t sip" thin&s %n" ik" +ith%ra+in& !ash, akin&

a %ra#t "t!. But n+ su!h a!ti*iti"s ar" just a !i!k a+a$ #r $u. Th" R"s"r*" Bank # 

In%ia6s (RBI) r" in a!hi"*in& su!h i"stn"s has '""n r"arka'". Th" ar" thr"" ain

phas"s in th" In%ian Bankin& s"!tr:

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4. Th" "ar$ sta&" that is #r th" $"ar 4><= t 4=, th" 'anks +"r" *"r$

!ns"r*ati*". Th" #irst 'ank t '" s"t up +as th" G"n"ra Bank # In%ia. Th"n th"

Hin%ustan 'ank an% th" B"n&a Bank. Th" East In%ia Cpan$ start"% thr""

'anks: Bank # B"n&a, Bank # B'a$ an% Bank # Ma%ras. This at"r !'in"%

t #r th" Ip"ria Bank.

Th" Aaha'a% 'ank +as th" #irst 'ank +hi!h start"% an% !ntr"% '$ In%ians. A t # 

'anks ""r&"% %urin& th" ?6s. Mst # th" +"r" pri*at".

Th" p"ri% '"t+""n 447 an% 4= sa+ s+ &r+th an% an$ #aiur"s in th" 'ankin&

in%ustr$. T str"ain" th" #un!tinin& an% a!ti*iti"s # !"r!ia 'anks, th"

G*"rn"nt # In%ia !a" up +ith Th" Bankin& Cpani"s A!t, 4@ +hi!h +as at"r 

!han&"% t Bankin& R"&uatin A!t 4@ as p"r a"n%in& A!t # 4= (A!t N. 57 # 

4=). R"s"r*" Bank # In%ia +as *"st"% +ith "9t"nsi*" p+"rs #r th" sup"r*isin # 

'ankin& in In%ia as th" C"ntra Bankin& Authrit$.

5. A#t"r in%"p"n%"n!" th" G*"rn"nt tk t an$ st"ps t ipr*" 'ankin&. It 'ru&ht

a+ar"n"ss an& p"p" an% in!u!at"% a s"ns" # sa*in&s in th" in%s # th" In%ians.

It ain$ !n!"ntrat"% n th" s"i ur'an an% rura ar"as # th" !untr$. Th" s"!n%

phas" # natinai/atin # In%ian 'anks tk pa!" in th" $"ar 4<?. S"*"n r" 'anks

+"r" natinai/"% +ith %"psits *"r 5?? !rr"s. Ti this $"ar, appr9iat"$ <? # th"

'ankin& s"&"nt in In%ia +as un%"r G*"rn"nt +n"rship.

 A#t"r th" natinai/atin # 'anks in In%ia, th" 'ran!h"s # th" pu'i! s"!tr 'anks rs" t

appr9iat"$ <?? in %"psits an% a%*an!"s tk a hu&" jup '$ 44,???. Bankin& in

th" sunshin" # G*"rn"nt +n"rship &a*" th" pu'i! ipi!it #aith an% i"ns"

!n#i%"n!" a'ut th" sustaina'iit$ # th"s" institutins.

7. In this phas" th" 'anks intr%u!"% an$ pr%u!ts. Th" #r"i&n 'anks "nt"r"% th"

!untr$ an% p"n"% n"+ +a$s #r th" s"!tr. Th"$ intr%u!"% th" ATM a!hin"s. As a

!itt"" "% '$ M. Narasihan h"p"% in th" i'"rai/atin # 'ankin& pra!ti!"s. E##rts

ar" '"in& put t &i*" a satis#a!tr$ s"r*i!" t !ust"rs. Phn" 'ankin& an% n"t 'ankin&

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is intr%u!"%. Th" "ntir" s$st" '"!a" r" !n*"ni"nt an% s+i#t. Ti" is &i*"n r"

iprtan!" than n"$.

Th" In%ian 'ankin& in%ustr$ is passin& thru&h a phas" # !ust"rs ark"t. A

!p"titin has '""n "sta'ish"% +ithin th" 'anks p"ratin& in In%ia. 8ith sti## 

!p"titin an% a%*an!""nt # t"!hn&$, th" s"r*i!"s pr*i%"% '$ 'anks ha*"

'"!" r" "as$ an% !n*"ni"nt.

Banks in India

Th" 'anks in In%ia ar" s"&r"&at"% t an$ &rups. Ea!h &rup has its uni-u" #"atur"s

an% iitatins. Ea!h has its +n tar&"t ark"t an% is %"%i!at"% t it. "+ # th" n$

+rk in rura s"!tr +hi" th"rs in 'th rura as +" as ur'an. Man$ ar" !at"rin& in !iti"s

n$. S" ar" # In%ian ri&in an% s" ar" #r"i&n pa$"rs. Th"r" ar" ain$ = &rups:

Pu'i! s"!tr Banks

Pri*at" s"!tr Banks

C:p"rati*" s"!tr Banks

R"&ina Rura s"!tr Banks

r"i&n Banks

p!in& r"i&n Banks

(u=lic "ecto! Banks

Th"s" 'anks ar" +n"% th" &*"rn"nt an% th" RBI is !"ntra 'ank !ntrin& th"s"

'anks. Mst # th" pu'i! s"!tr 'anks ar" natinai/"% ik" SBI, Canara Bank, Vija$a

Bank, Aaha'a% Bank, C"ntra Bank # In%ia, An%hra Bank, "t!.

(!ivate "ecto! Banks

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Pri*at" 'ankin& in In%ia +as pra!ti!"% sin!" th" '"&innin& # 'ankin& s$st" in In%ia.

Th" #irst pri*at" 'ank in In%ia t '" s"t up in Pri*at" S"!tr Banks in In%ia +as In%usIn%

Bank. It is n" # th" #ast"st &r+in& pri*at" s"!tr 'anks in In%ia. IDBI ranks th" t"nth

ar&"st %"*"p"nt 'ank in th" +r% as Pri*at" Banks in In%ia an% has prt"% +r%

!ass institutins in In%ia.

Th" #irst Pri*at" Bank in In%ia t r"!"i*" an in prin!ip" appr*a #r th" R"s"r*" Bank

# In%ia +as Husin& D"*"p"nt inan!" Crpratin 2iit"%, t s"t up a 'ank in th"

pri*at" s"!tr 'anks in In%ia as part # th" RBIs i'"rai/atin # th" In%ian Bankin&

In%ustr$. It +as in!rprat"% in Au&ust 4@ as HDC Bank 2iit"% +ith r"&ist"r"% ##i!"

in Mu'ai an% !"n!"% p"ratins as S!h"%u"% C"r!ia Bank in Januar$ 4.

Co0ope!ative "ecto! Banks

Th" C:p"rati*" 'anks in In%ia start"% #un!tinin& ast 4?? $"ars a&. Th"

Cp"rati*" 'ank is an iprtant !nstitu"nt # th" In%ian inan!ia S$st", ju%&in& '$

th" r" assi&n"% t ! p"rati*", th" "9p"!tatins th" ! p"rati*" is supps"% t #u#i,

th"ir nu'"r, an% th" nu'"r # ##i!"s th" !p"rati*" 'ank p"rat". Thu&h th" !:

p"rati*" *""nt ri&inat"% in th" 8"st, 'ut th" iprtan!" # su!h 'anks ha*"

assu"% in In%ia is rar"$ para""% an$+h"r" "s" in th" +r%. Th" !p"rati*" 'anks

in In%ia pa$ an iprtant r" "*"n t%a$ in rura #inan!in&. Th" 'usin"ss"s # 

!p"rati*" 'ank in th" ur'an ar"as as ha*" in!r"as"% ph"n"na$ in r"!"nt $"ars

%u" t th" sharp in!r"as" in th" nu'"r # priar$ !:p"rati*" 'anks.

Regional Ru!al "ecto! Banks

Rura 'ankin& in In%ia start"% sin!" th" "sta'ish"nt # 'ankin& s"!tr in In%ia. Rura

Banks in ths" %a$s ain$ #!us"% upn th" a&r s"!tr. R"&ina rura 'anks in In%ia

p"n"trat"% "*"r$ !rn"r # th" !untr$ an% "9t"n%"% a h"pin& han% in th" &r+thpr!"ss # th" !untr$.

*o!eign Banks

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r"i&n Banks in In%ia a+a$s 'ru&ht an "9panatin a'ut th" prpt s"r*i!"s t

!ust"rs. A#t"r th" s"t up #r"i&n 'anks in In%ia, th" 'ankin& s"!tr in In%ia as

'"!" !p"titi*".

N"+ ru"s annun!"% '$ th" R"s"r*" Bank # In%ia #r th" #r"i&n 'anks in In%ia in this

'u%&"t ha*" put up &r"at hp"s an& #r"i&n 'anks +hi!h a+ th" t &r+

un#"tt"r"%. N+ #r"i&n 'anks in In%ia ar" p"ritt"% t s"t up !a su'si%iari"s. Th"

pi!$ !n*"$s that #r"i&n 'anks in In%ia a$ nt a!-uir" In%ian n"s ("9!"pt #r +"ak

'anks i%"nti#i"% '$ th" RBI, n its t"rs) an% th"ir In%ian su'si%iari"s +i nt '" a'" t

p"n 'ran!h"s #r""$.

$pcoing *o!eign Banks

B$ 5?? #"+ r" na"s is &in& t '" a%%"% in th" ist # #r"i&n 'anks in In%ia. This is

as an a#t"rath # th" su%%"n int"r"st sh+n '$ R"s"r*" Bank # In%ia pa*in& ra%ap

#r #r"i&n 'anks in In%ia &r"at"r #r""% in In%ia. An& th" is th" +r%s '"st pri*at"

'ank '$ Eur Mn"$ a&a/in", S+it/"ran%s BS.

Think In*"st"nt Think 1tak

Banks ik" Kotak Ma5ind!a, stan%ar% !hart"r"%, ICICI, HDC, an% Citi'ank n+

'rin& $ur Bank A!!unt an% D"'it !ar% t $ur #in&"rtips. 8ith M'i" !"r!", $u

!an p"r#r a +i%" ran&" # -u"r$:'as"% transa!tins #r $ur M'i" Phn", +ithut

"*"n akin& a !a.

1tak Mahin%ra is n" # In%ias "a%in& #inan!ia institutins, ##"rin& !p"t"#inan!ia sutins that "n!pass "*"r$ sph"r" # i#". r !"r!ia 'ankin&, t

st!k 'rkin&, t utua #un%s, t i#" insuran!", t in*"st"nt 'ankin&, th" &rup !at"rs

t th" #inan!ia n""%s # in%i*i%uas an% !rprat".

Th" &rup has a n"t +rth # *"r Rs.4, <?? !rr" an% "p$s *"r @,@??

"p$""s in its *arius 'usin"ss"s. 8ith a pr"s"n!" in <5 !iti"s in In%ia an% ##i!"s in

N"+ rk, 2n%n, Du'ai an% Mauritius, it s"r*i!"s a !ust"r 'as" # *"r , ??,???.

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1tak Mahin%ra has int"rnatina partn"rships +ith G%an Sa!hs (n" # th"

+r%s ar&"st in*"st"nt 'anks an% 'rk"ra&" #irs) an% O% Mutua (a ar&" insuran!",

'ankin& an% ass"t ana&""nt !n&"rat").

Th" 1tak Mahin%ra Grup +as 'rn in 4< as 1tak Capita Mana&""nt

inan!" 2iit"%. This !pan$ +as prt"% '$ $da:Kotak, Si%n"$ A. Pint an%

1tak3 Cpan$. In%ustriaists Harish Mahin%ra an% Anan% Mahin%ra tk a stak" in

4<=, an% thats +h"n th" !pan$ !han&"% its na" t 1tak Mahin%ra

inan!" 2iit"%. Sin!" th"n its '""n a st"a%$ an% !n#i%"nt jurn"$ t &r+th an%

su!!"ss.

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INTROD$CTION O* TH% OR+ANI"ATION

Esta'ish"% in 4<@, Th" 1tak Mahin%ra Grup has n& '""n n" # In%ia6s st

r"put"% #inan!ia r&ani/atins. In "' 5??7, 1tak Mahin%ra inan!" 2t%., th" &rup6s#a&ship !pan$ +as &i*"n th" i!"ns" t !arr$ n 'ankin& 'usin"ss '$ th" R"s"r*"

Bank # In%ia (RBI).This appr*a !r"at"s 'ankin& histr$ sin!" 1tak Mahin%ra inan!"

2t% is th" #irst !pan$ in In%ia t !n*"rt t a 'ank. Th" i!"ns" authri/in& th" 'ank t

!arr$ n 'ankin& 'usin"ss has '""n 'tain"% #r th" RBI in tun" +ith S"!tin 55 # th"

Bankin& R"&uatin A!t 4@.

1MB2 +as prt"% '$ Mr. %a$ S. 1tak, 1tak an% Cpan$ 2t% an% Mr.

Si%n"$ 3 A. A. Pint un%"r th" na" # 1tak Capita Mana&""nt inan!" 2t% n 54st

N* 4< an% 'tain"% a C"rti#i!at" # C"n!""nt # Busin"ss n 44th "' 4<=.

Th" 'ank !ust"rs ha*" a!!"ss t "ntir" VISA n"t+rk # @?? ATM6S in In%ia an%

<?????ATM6S +r%+i%" a!!"pt"% in r" than =??? "sta'ish"nts a!rss In%ia an%

4? iin +r%+i%". Th" !ust"r as has a!!"ss t *"r <?? ATM6s +ith sharin&

arran&""nts +ith TI BAN1, # th"s" 45 ar" in th" NCR.

1"$ &rup !pani"s an% th"ir 'usin"ss"s

1tak Mahin%ra Bank

Th" 1tak Mahin%ra Grups #a&ship !pan$, 1tak Mahin%ra inan!" 2t% +hi!h

+as "sta'ish"% in 4<, +as !n*"rt"% int a 'ank: 1tak Mahin%ra Bank 2t% in Mar!h

5??7 '"!in& th" #irst In%ian !pan$ t !n*"rt int a Bank. Its 'ankin& p"ratins

##"r a !"ntra pat#r #r !ust"r r"atinships a!rss th" &rups *arius 'usin"ss"s.

Th" 'ank has pr"s"n!" in C"r!ia V"hi!"s, R"tai inan!", Crprat" Bankin&,

Tr"asur$ an% Husin& inan!".

1tak Mahin%ra Capita Cpan$

1tak Mahin%ra Capita Cpan$ 2iit"% (1MCC) is In%ias pr"i"r In*"st"nt

Bank. 1MCCs !r" 'usin"ss ar"as in!u%" E-uit$ Issuan!"s, M"r&"rs 3 A!-uisitins,

Stru!tur"% inan!" an% A%*isr$ S"r*i!"s.

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1tak S"!uriti"s

1tak S"!uriti"s 2t%. is n" # In%ias ar&"st 'rk"ra&" an% s"!uriti"s %istri'utin

hus"s. O*"r th" $"ars, 1tak S"!uriti"s has '""n n" # th" "a%in& in*"st"nt 'rkin&

hus"s !at"rin& t th" n""%s # 'th institutina an% nn:institutina in*"str !at"&ri"s

+ith pr"s"n!" a *"r th" !untr$ thru&h #ran!his""s an% !r%inatrs. 1tak S"!uriti"s

2t%. ##"rs nin" an% ##in" s"r*i!"s 'as"% n +":r"s"ar!h"% "9p"rtis" an% #inan!ia

pr%u!ts t nn:institutina in*"strs.

1tak Mahin%ra Pri"

1tak Mahin%ra Pri" 2iit"% (1MP) (#r"r$ kn+n as 1tak Mahin%ra Prius

2iit"%) has '""n #r"% +ith th" 'j"!ti*" # #inan!in& th" r"tai an% +h"sa" tra%" #

pass"n&"r an% uti utiit$ *"hi!"s in In%ia. 1MP ##"rs !ust"rs r"tai #inan!" #r 'th

n"+ as +" as us"% !ars an% +h"sa" #inan!" t %"a"rs in th" aut'i" tra%". 1MP

!ntinu"s t '" an& th" "a%in& !ar #inan!" !pani"s in In%ia.

1tak Mahin%ra Ass"t Mana&""nt Cpan$

1tak Mahin%ra Ass"t Mana&""nt Cpan$ 1tak Mahin%ra Ass"t Mana&""nt

Cpan$ (1MAMC), a su'si%iar$ # 1tak Mahin%ra Bank, is th" ass"t ana&"r #r 

1tak Mahin%ra Mutua un% (1MM). 1MM ana&"s #un%s in "9!"ss # Rs 5?,<??

!rr" an% ##"rs s!h""s !at"rin& t in*"strs +ith *ar$in& risk:r"turn pr#i"s. It +as th"

#irst #un% hus" in th" !untr$ t aun!h a %"%i!at"% &it s!h"" in*"stin& n$ in

&*"rn"nt s"!uriti"s.

1tak Mahin%ra O% Mutua 2i#" Insuran!" 2iit"%

1tak Mahin%ra O% Mutua 2i#" Insuran!" 2iit"% is a jint *"ntur" '"t+""n 1tak

Mahin%ra Bank 2t%. an% O% Mutua p!. 1tak 2i#" Insuran!" h"ps !ust"rs t tak"

iprtant #inan!ia %"!isins at "*"r$ sta&" in i#" '$ ##"rin& th" a +i%" ran&" # 

inn*ati*" i#" insuran!" pr%u!ts, t ak" th" #inan!ia$ in%"p"n%"nt.

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BOARD O* DIR%CTOR"

Mr. 1.M.Gh"r%a L E9"!uti*" Chairan

Mr. %a$1tak LE9"!uti*" Vi!" Chairan an% Mana&in& Dir"!tr 

Mr. Anan% Mahin%ra LC Prt"r # 1tak Mahin%ra Bank an%

  Vi!" Chairan an% Mana&in& Dir"!tr # Mahin%ra an% Mahin%ra

Mr. C$ri Shr## LC Prt"r 

Mr. Pra%""p N 1tak LA&ri Di*isin # 1tak an% Cpan$ 2iit"%

Dr. Shank"rA!har$a

Mr. Shi*aji Da LMana&in& Dir"!tr 1tak Mahin%ra O% Mutua 2i#" Insuran!" 2iit"%

Mr. C.Ja$ara LE9"!uti*" Dir"!tr 

Mr. Dipak Gupta LE9"!uti*" Dir"!tr 

(ROD$CT D%TAIL

1tak Mahin%ra Bank is n" # th" prin"nt su'si%iari"s # 1tak Mahin%ra &rup. Th"

a!ti*iti"s # th" !pan$ '"in& para" t its 'j"!ti*" ar" *"r$ +i%" an% !*"r a th"

!pn"nts # a Bank. Th" Basi! ar"a # Op"ratins is th" Bankin& 'usin"ss, th"r 

pr%u!ts ar" "ant #r th" r"&uar r"*"nu" &"n"ratin. B"in& a Bankin& hus", th"

!pan$ is in r"&uar tu!h +ith Banking Accounts, Investent "e!vices,

Convenience Banking and Ot5e! "e!vices7

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Th"$ ##"r !p"t" sutins that a%%r"ss a $ur #inan!ia r"-uir""nts, +h"th"r 

$ur" an in%i*i%ua r a #ir. r "*"r$%a$ 'ankin& t n& t"r in*"st"nts th"ir 

##"rin& !*"rs it a. This +i%" ran&" # pr%u!ts is %"i*"r"% t $u +ith a &"nuin"

un%"rstan%in& # $ur sp"!i#i! n""% an% +ar, p"rsnais"% s"r*i!".

1tak Mahin%ra Bank, its nt a'ut s"in& $u an$ %i##"r"nt pr%u!ts its

a'ut +rkin& ut a histi!, pra&ati! sutin that a%%r"ss"s $ur #inan!ia n""%s.

Thru&h th"ir *ari"% pr%u!ts,th"$ !it th"s"*"s t '"!in& 'ank"r t th"

!ust"r rath"r than '"in& ass"t #inan!i"r t ur !ust"rs.

Our Story 

Mi"stn"s that ha*" shap"% th" 1tak Mahin%ra Grup, sin!" 4<=

Sin!" th" in!"ptin # th" "rst+hi" 1tak Mahin%ra inan!" 2iit"% in 4<, it has '""na st"a%$ an% !n#i%"nt jurn"$ "a%in& t &r+th an% su!!"ss. Th" i"stn"s # th"

&rup &r+th str$ ar" ist"% '"+ $"ar+is"

Kotak Ma5ind!a Bank

1tak Mahin%ra Bank

T:pe Pu'i!

T!aded asBSE0 ??5@>

NSE0 1OTA1BAN1

Indust!: inan!ia s"r*i!"

*ounded4< (as 1tak Mahin%ra inan!"

2t%)

Headua!te!s Mu'ai, R"pu'i! # In%ia

Ke: people

•

%a$1tak  (un%"r 3E9"!uti*" Vi!" Chairan)

• C. Ja$ara (Jint MD)

• Dipak Gupta (Jint MD)

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• Shankar A!har$a

(Chairan)

(!oducts

D"psit a!!unts, 2ans,

In*"st"nt s"r*i!"s, Busin"ss

'ankin& sutins, Tr"asur$ an%

i9"% in!" pr%u!ts "t!.

Revenue4?=7 !rr"  (SF4.< 'iinU)

(5?44)4

Net incoe4= !rr"  (SF5=? iinU)

(5?44)

6e=site +++.ktak.!

Kotak Ma5ind!a Bank is an In%ian 'ank an% #inan!ia s"r*i!" #ir "sta'ish"% in 4<. It

+as pr"*ius$ kn+n as 1tak Mahin%ra inan!" 2iit"%, a nn:'ankin& #inan!ia

!pan$.

In "'ruar$ 5??7, 1tak Mahin%ra inan!" 2t%, th" &rups #a&ship !pan$ +as &i*"n

th" i!"n!" t !arr$ n 'ankin& 'usin"ss '$ th" R"s"r*" Bank # In%ia  (RBI). 1tak

Mahin%ra inan!" 2t%. is th" #irst !pan$ in th" In%ian 'ankin& histr$ t !n*"rt t a

'ank. As # 5?44 t O!t'"r 5?47, it has r" than ?? 'ran!h"s, *"r 4,??? ATMs an% a

!nsi%at"% 'aan!" sh""t # appr9. SF 5. 'iin.

Th" Bank has its r"&ist"r"% ##i!" at NarianBha*an, NarianPint,Mu'ai.

History 

Th" !pan$ +as #un%"% in 4< '$ %a$1tak. In 5??7, th" !pan$ !n*"rt"% t a

!"r!ia 'ank +h"n it r"!"i*"% a i!"ns" #r th" R"s"r*" Bank # In%ia, '"!in&

th" #irst In%ian #inan!" !pan$ t % s.

In 5??, it a%" a si&ni#i!ant in*"st"nt +h"n it 'u&ht str"ss"% ass"ts #r a nu'"r # 

'anks, at #u an *au" # 4,??? !rr"s.5

In Januar$ 5?44, th" 'ank r"prt"% a 75 ris" in n"t pr#it t 4<< !rr"s #r th" -uart"r 

"n%"% D"!"'"r 5?4? a&ainst 4@5 !rr"s th" !rr"spn%in& -uart"r ast $"ar.71tak

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Mahin%ra 'ank as r"a!h"% th" tp 4?? st trust"% 'ran%s # In%ia in Th" Bran% Trust

R"prt pu'ish"% '$ Trust R"s"ar!h A%*isr$ in 5?44.

1"$ i"stn"s in th" !pan$ histr$ in!u%"%

 ea! Milestone

4<= 1tak Mahin%ra inan!" 2iit"% starts th" a!ti*it$ # Bi Dis!untin&

4<> 1tak Mahin%ra inan!" 2iit"% "nt"rs th" 2"as" an% Hir" Pur!has" ark"t

4? Th" Aut inan!" %i*isin is start"%

44Th" In*"st"nt Bankin& Di*isin is start"%. Tak"s *"r ICOM, n" # In%ias

ar&"st #inan!ia r"tai ark"tin& n"t+rks

45 Ent"rs th" un%s S$n%i!atin s"!tr 

4

Brk"ra&" an% Distri'utin 'usin"ss"s in!rprat"% int a s"parat" !pan$ :

1tak S"!uriti"s. In*"st"nt Bankin& %i*isin in!rprat"% int a s"parat"!pan$ : 1tak Mahin%ra Capita Cpan$

4=

Th" Aut inan!" Busin"ss is hi*"% ## int a s"parat" !pan$ :1tak Mahin%ra

Pri" 2iit"% (#r"r$ kn+n as 1tak Mahin%ra Prius 2iit"%). 1tak Mahin%ra

tak"s a si&ni#i!ant stak" in r% Cr"%it 1tak Mahin%ra 2iit"%, #r #inan!in& r%

*"hi!"s. Th" aun!h # Matri9 In#ratin S"r*i!"s 2iit"% arks th" Grups "ntr$

int in#ratin %istri'utin.

4<Ent"rs th" utua #un% ark"t +ith th" aun!h # 1tak Mahin%ra Ass"t

Mana&""nt Cpan$.5??? 1tak Mahin%ra ti"s up +ith O% Mutua p!. #r th" 2i#" Insuran!" 'usin"ss.

5???

1tak S"!uriti"s  aun!h"s its n:in" 'rkin& sit" (n+ +++.ktaks"!uriti"s.!).

C"n!""nt # pri*at" "-uit$ a!ti*it$ thru&h s"ttin& up # 1tak Mahin%ra

V"ntur" Capita un%.

5??4 Matri9 s% t ri%a$ Crpratin

5??4 2aun!h"s Insuran!" S"r*i!"s

5??71tak Mahin%ra inan!" 2t%. !n*"rts t a !"r!ia 'ank : th" #irst In%ian

!pan$ t % s.

5??@ 2aun!h"s In%ia Gr+th un%, a pri*at" "-uit$ #un%.

5??1tak Grup r"ai&ns jint *"ntur" in r% Cr"%it Bu$s 1tak Mahin%ra Pri"

(#r"r$ kn+n as 1tak Mahin%ra Prius 2iit"%) an% s"s r% !r"%it Mahin%ra.

5?? 2aun!h"s a r"a "stat" #un%

5??=Bu&ht th" 5 stak" h"% '$ G%an Sa!hs in 1tak Mahin%ra Capita Cpan$

an% S"!uriti"s

5??< 2aun!h"% a P"nsin un% un%"r th" N"+ P"nsin S$st"

5?? 1tak Mahin%ra Bank 2t%. Op"n"% a r"pr"s"ntati*" ##i!" in Du'ai

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Ent"r"% Ah"%a'a% C%it$ E9!han&" as an!hr in*"str 

5?4? Ah"%a'a% D"ri*ati*"s an% C%iti"s E9!han&", a 1tak an!hr"% "nt"rpris",

'"!a" p"ratina as a natina !%it$ "9!han&".

5?441tak Mahin%ra Bank 2t% "nt"r"% int a Busin"ss Cp"ratin arran&""nt +ith

CIMB GrupS%nBh%, Maa$sia.

5?45 : 5??>

-./

-

o  Ah"%a'a% D"ri*ati*"s an% C%iti"s E9!han&", a 1ta

an!hr"% "nt"rpris", '"!a" p"ratina as a natina !%it$ "9!han&"

-./.   o 1tak Mahin%ra Bank 2t%. p"n"% a r"pr"s"ntati*" ##i!" in Du'ai

o Ent"r"% Ah"%a'a% C%it$ E9!han&" as an!hr in*"str.

-..   o 2aun!h"% a P"nsin un% un%"r th" N"+ P"nsin S$st".

-..

E

o Bu&ht th" 5 stak" h"% '$ G%an Sa!hs in 1tak Mahin%

Capita Cpan$ an% 1tak S"!uriti"s.

-..

?

o 1tak Grup r"ai&n"% jint *"ntur" in r% Cr"%it th"ir stak" in 1ta

Mahin%ra Pri" +as 'u&ht ut (#r"r$ kn+n as 1tak Mahin%ra Priu

2t%) an% 1tak &rup6s stak" in r% !r"%it 1tak Mahin%ra +as s%.

o 2aun!h"% a r"a "stat" #un%.

-..1 0 -...

-..1   o 2aun!h"% In%ia Gr+th un%, a pri*at" "-uit$ #un%.

-..

<

o 1tak Mahin%ra inan!" 2t%. !n*"rt"% int a !"r!ia 'ank : th

#irst In%ian !pan$ t % s.

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-../   o Matri9 s% t ri%a$ Crpratin.

o 2aun!h"% Insuran!" S"r*i!"s.

o 1tak S"!uriti"s 2t%. +as in!rprat"%

-..

.

o 1tak Mahin%ra ti"% up +ith O% Mutua p!. #r th" 2i#" Insuran!

'usin"ss.

o 1tak S"!uriti"s aun!h"% its n:in" 'rkin& sit".

o C"n!""nt # pri*at" "-uit$ a!ti*it$ thru&h s"ttin& up # 1ta

Mahin%ra V"ntur" Capita un%.

Banking Accounts

Th"r" ar" thr"" t$p"s # 'ankin& a!!unt0

  Sa*in&s A!!unt

Curr"nt A!!unt

  T"r D"psit

"A9IN+" ACCO$NT

3C5oose #!o ou! !ange o# "avings Accounts4

1OTA1 MAHINDRA has &t a *ari"t$ # ptins # sa*in&s a!!unts t !hs" #r #r 

its !ust"rs a!!r%in& t th"ir !n*"ni"n!" an% r"-uir""nts .Th"s" sa*in&s a!!unts

##"r attra!ti*" r"turns an& +ith p"rsnai/"% 'ankin& s"r*i!"s at thr"" !n*"ni"nt

a*"ra&" -uart"r$ 'aan!"s(AB)"*"s # Rs. 4???? (1OTA1 EDGE SAVINGS

 ACCONT),Rs. 5???? (1OTA1 PRO SAVINGS ACCONT) an% at Rs>???(1OTA1

 ACE SAVINGS ACCONT).Th" a*"ra&" -uart"r$ 'aan!" "*"s as +" th"

!rr"spn%in& s"r*i!"s an% '"n"#its tr$ t "nsur" th" *arius !ust"r n""%s an%

r"-uir""nts.

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 Thus th" thr"" a!!unt p"nin& ptins in sa*in&s a!!unt ar" as "ntin"% a'*"0

%D+% "A9IN+" ACCO$NT0 1tak Mahin%ra BankWs E%&" Sa*in&s A!!unt

is a !p"t" #inan!ia pa!ka&" !usti/"% t suit in%i*i%ua 'ankin& n""%s. Its

!nstant En%"a*ur is t "na'" r"&uar #inan!ia transa!tins thru&h nin"

pat#r s that st # pa$"nts !an '" a%" %ir"!t$ thru&h $ur a!!unt r 

!ar%.

"atur"s 3 B"n"#its

6ide ATM access t5!oug5 t5e Kotak Ma5ind!a Bank De=it Ca!d

On" !an +ak int an$ 1OTA1 r HDC Bank ATMs t +ith%ra+ !ash r "n-uir" 'aan!"

at n "9tra !har&"X

  Multiple Access C5annels Access

 An a!!unt thru&h phn", 'i" phn" r int"rn"t t &"t in#ratin a'ut a!!unt

'aan!" r tra!k transa!tins. On" !an "*"n trans#"r #un%s thru&h Phn" Bankin& r 

N"t Bankin&.

  *inancial pa:ents #acilitated t5!oug5 t5e savings account

s" th" #r"" Pa$"nt Gat"+a$ t ak" nin" pa$"nts #r utiit$ 'is, !r"%it !ar%s,

nin" tra%in& # shar"s r "*"n nin" shppin&.

  uick and eas: #unds t!ans#e!

ui!k #un%s trans#"r t a thir% part$ a!!unt +ith anth"r Bank is a*aia'" a!rss 4

!atins thru&h N"t Bankin&. As &"t a uti:!it$ !h"-u" 'k s that n"$ #r

a!!unt is r"!"i*"% '$ th" '"n"#i!iar$ in th" #ast"st pssi'" ti".

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  *!ee investent account

On" !an p"n an in*"st"nt a!!unt, an% us" th" N"t Bankin& #a!iit$ t

pur!has";r"%"" utua #un%s nin" +hi" %ir"!t$ %"'itin& ; !r"%itin& $ur Bank

 A!!unt. B"si%"s this $u &"t a !nsi%at"% *i"+ # a $ur utua #un% in*"st"nts

a!rss s!h""s +ith up%at"% r"turns status, at"st NAV in#ratin an% r"s"ar!h r"prts.

  Att!active !etu!ns

Earn '"tt"r r"turns in $ur sa*in&s a!!unt, +ith ur 5:8a$ S+""p #a!iit$ that

autati!a$ s+""ps ut i%" #un%s, a'*" a thr"sh%, #r $ur a!!unt int T"r

D"psits. Th"s" T"r D"psits s+""p 'a!k int $ur a!!unt t ""t #un% r"-uir""nts

+h"n $ur +ith%ra+as "9!""% th" 'aan!" a*aia'" in $ur a!!unt, th"r"'$ pr*i%in&$u a9iu i-ui%it$.

(RO "A9IN+" ACCO$NT'

1tak Mahin%ra Banks Pr Sa*in&s A!!unt is an a!!unt pa!k"% +ith p+"r#u

#"atur"s t pr*i%" a sup"rir 'ankin& "9p"ri"n!" at a *"r$ !#rta'" 'aan!"

r"-uir""nt. Th"$ pr*i%" a r"atinship ana&"r +h +i sp"!i#i!a$ tak" !ar" # 

'ankin& an% in*"st"nt n""%s.

*eatu!es & Bene#its

  *!ee ATM access all doestic 9I"A ATM netFo!k

8ak int an$ VISA ATM in In%ia t !h"!k 'aan!" r +ith%ra+ !ash a'sut"$ #r"". n

n&"r ha*" t +rr$ a'ut !atin& $ur Bank r Partn"r Bank ATM L s" th" #irst VISA

 ATM that $u spt, #r !ash +ith%ra+a r 'aan!" "n-uir$ transa!tins.

  Multiple access c5annels

 A!!"ss $ur a!!unt thru&h phn", 'i" phn" r int"rn"t t &"t in#ratin n $ur 

a!!unt 'aan!" r tra!k $ur transa!tins. u !an "*"n trans#"r #un%s thru&h Phn"

Bankin& r N"t Bankin&.

*!ee investent account

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On" !an p"n an in*"st"nt a!!unt, an% us" th" N"t Bankin& #a!iit$ t

pur!has";r"%"" utua #un%s nin" +hi" %ir"!t$ %"'itin& ; !r"%itin& 'ank a!!unt.

B"si%"s this &"t a !nsi%at"% *i"+ # a th" utua #un% in*"st"nts a!rss s!h""s

+ith up%at"% r"turns status, at"st NAV in#ratin an% r"s"ar!h r"prts.

  *inancial pa:ents #acilitated t5!oug5 t5e savings account

 s" ur #r"" Pa$"nt Gat"+a$ t ak" nin" pa$"nts #r utiit$ 'is, !r"%it !ar%s,

nin" tra%in& # shar"s r "*"n nin" shppin&.

uick and eas: #unds t!ans#e! 

ui!k #un%s trans#"r t a thir% part$ a!!unt +ith anth"r Bank is a*aia'" a!rss 4

!atins thru&h N"t Bankin&. As &"t a uti:!it$ !h"-u" 'k s that n"$ #r

a!!unt is r"!"i*"% '$ th" '"n"#i!iar$ in th" #ast"st pssi'" ti"

  Att!active !etu!ns

Earn '"tt"r r"turns in $ur sa*in&s a!!unt, +ith ur 5:8a$ S+""p #a!iit$ that

autati!a$ s+""ps ut i%" #un%s, a'*" a thr"sh%, #r $ur a!!unt int T"r

D"psits. Th"s" T"r D"psits s+""p 'a!k int $ur a!!unt t ""t #un% r"-uir""nts

+h"n $ur +ith%ra+as "9!""% th" 'aan!" a*aia'" in $ur a!!unt, th"r"'$ pr*i%in&

$u a9iu i-ui%it$.

  Dedicated !elations5ip anage! 

u &"t a n" pint !nta!t #r a $ur 'ankin& r"at"% -u"ri"s an% transa!tins. ur 

r"atinship ana&"r +i as h"p $u +ith #inan!ia pannin& an% sun% in*"st"nt

%"!isins.

*!ee =anking t!ansactions

u !an issu" %"an% %ra#ts r s"n% !h"-u"s #r !"!tin n 'ran!h !atins +ithut

an$ !har&" t $ur a!!unt.

AC% "A9IN+" ACO$NT'

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1tak Mahin%ra Banks A!" Sa*in&s A!!unt has '""n %"si&n"% as a &at"+a$ t a +r%

# #inan!ia '"n"#its an% pri*i"&"% 'ankin& transa!tins. Th" a!!unt !arri"s '"n"#its

ran&in& #r p"rsna in*"st"nt a%*isr$ s"r*i!"s t !n!i"r&" s"r*i!"s t #r"" 'ankin&

transa!tins. On" +i #in% that this pa!ka&" # s"r*i!"s an% pri*i"&"s is unat!h"% '$

an$ th"r sa*in&s a!!unt in th" ark"t.

*eatu!es & Bene#its

  *!ee access at all doestic and inte!national 9I"A ATMs

N n&"r ha*" t +rr$ a'ut !atin& $ur Bank r Partn"r Bank ATM : s" th" #irst

VISA ATM that $u spt, #r #r"" !ash +ith%ra+a r 'aan!" "n-uir$ transa!tins. S

+ak int an$ VISA ATM in In%ia r a'ra% t +ith%ra+ !ash r #r 'aan!" "n-uir$.

Multiple access c5annels

 A!!"ss th" a!!unt an$ti" thru&h an% in", 'i" phn" r int"rn"t t &"t in#ratin

n a!!unt 'aan!" r tra!k transa!tins. On" !an "*"n trans#"r #un%s thru&h Phn"

Bankin& r N"t Bankin&.

  *inancial pa:ents #acilitated t5!oug5 t5e savings account

 s" th" #r"" 1tak Pa$"nt Gat"+a$ t ak" nin" pa$"nts #r utiit$ 'is, !r"%it

!ar%s, nin" tra%in& # shar"s r "*"n nin" shppin&. A this at th" !i!k # a us"X

uick and eas: #unds t!ans#e! Trans#"r #un%s "asi$ an% +ith sp""%, t a '"n"#i!iar$

a!!unt at anth"r 'ank. On" !an a*ai # this #a!iit$ '$ +akin& int an$ # 'ran!h"s r 

'$ sip" &&in& n t N"t Bankin&. As &"t a #r"" uti:!it$ !h"-u" 'k s that n"$

#r $ur a!!unt is trans#"rr"% t th" '"n"#i!iar$s a!!unt at an$ # 'ran!h !atins, in

th" #ast".

*!ee =anking t!ansactions

On" !an issu" %"an% %ra#ts r s"n% !h"-u"s #r !"!tin at a 'ran!h"s #r n "9tra

!har&".

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  Att!active !etu!ns

Earn '"tt"r r"turns in $ur sa*in&s a!!unt, +ith ur 5:8a$ S+""p #a!iit$ that

autati!a$ s+""ps ut i%" #un%s, a'*" a thr"sh%, #r $ur a!!unt int T"r

D"psits. Th"s" T"r D"psits s+""p 'a!k int a!!unt t ""t #un% r"-uir""nts +h"n

+ith%ra+as "9!""% th" 'aan!" a*aia'" in th" a!!unt, th"r"'$ pr*i%in& a9iu

i-ui%it$.

C$RR%NT ACCO$NT

1tak Mahin%ra Bank ##"rs unpara""% a%*anta&"s +ith its thr"" Curr"nt

 A!!unt ##"rin&s. 8h"th"r sa; i% si/" 'usin"ss r an "nt"rpris" spr"a% a!rss

utip" !atins in th" !untr$, +u% #in% a Curr"nt A!!unt thats just %"si&n"% #r $u.

Th"s" Curr"nt a!!unts ##"r attra!ti*" r"turns an& +ith p"rsnai/"% 'ankin& s"r*i!"s

at thr"" !n*"ni"nt a*"ra&" -uart"r$ 'aan!"s(AB)"*"s # Rs. 5??? (1OTA1 EDGE

SAVINGS ACCONT),Rs. ???? (1OTA1 PRO SAVINGS ACCONT) an% at

Rs5????(1OTA1 ACE SAVINGS ACCONT).Th" a*"ra&" -uart"r$ 'aan!" "*"s as

+" th" !rr"spn%in& s"r*i!"s an% '"n"#its tr$ t "nsur" th" *arius !ust"r n""%s

an% r"-uir""nts. 8ith #"atur"s ran&in& #r r"" DDs, r"" Ch"-u" C"!tin, r"" At

:Par Ch"-u" #a!iit$ t r""

Tra%in& a!!unt an% #r"" D"at a!!unt an% ra Thus th" thr"" a!!unt p"nin&

ptins in sa*in&s a!!unt ar" as "ntin"% a'*"0

%dge Cu!!ent Account

In n""% # a +" "-uipp"% 'ank a!!unt t k""p pa!" in a th" 'usin"ss

"n%"a*rs. Th"$ ##"r th" 1tak E%&" Curr"nt A!!unt, ar"% +ith 1tak 5:8a$ S+""p

an% th" "ntir" &aut # Bankin& Pri*i"&"s, pr*i%in& that "9tra "%&" t &"t ah"a%. Th"#"atur" ri!h 1tak E%&" Curr"nt A!!unt is th" i%"a +a$ t ak" n"$ +rk har%"r.

*eatu!es & Bene#its

  MultiCit: Banking

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Curr"nt a!!unt;s +ith 1tak Mahin%ra Bank +i '" r"!&ni/"% in "*"r$ th"r 

'ran!h. On" !an just +ak int a 1tak Mahin%ra Bank 'ran!h in an$ # ur 'ran!h"s

a!rss !untr$ t satis#$ a th" 'ankin& n""%s.

- 0 6a: "FeepJ ' Te! Deposit linked Cu!!ent Account

1tak 5:8a$ S+""p "nsur"s that n"$ n"*"r stps +rkin& #r $u. Dai$

'aan!"s, a'*" a thr"sh% "*", in Curr"nt A!!unt ar" autati!a$ s+"pt ut int

T"r D"psits (TD). This s+"pt ut aunt is 'ru&ht 'a!k int a!!unt t ""t #un%

r"-uir""nts +h"n +ith%ra+as "9!""% th" 'aan!" a*aia'" in th" a!!unt (r +h"n th"

a!!unt 'aan!" &"s '"+ th" sp"!i#i"% thr"sh% "*".) 8ith 1tak 5:8a$ S+""p $u

"nj$ th" t+in a%*anta&"s # attra!ti*" r"turns 3 a9iu i-ui%it$.

*!ee Deand D!a#ts and (a: O!de!s

Enj$ th" '"n"#it # ur #r"" D"an% Dra#ts, pa$a'" at 1tak Mahin%ra Bank

Bran!h !atin in In%ia.

At0pa! C5eues

G"t #r"" At:par Ch"-u"s that ar" tr"at"% as !a !"arin& !h"-u"s a!rss a

'ran!h !atins. A th"s" at nina !sts.

  C5eue Collection

 A Outstatin !h"-u"s, %ra+n n an$ # 'ran!h !atins, ar" !"!t"% at nina

!har&" #r $u. Th" strn& n"t+rk # !rr"spn%"nt 'anks "na'"s us t !"!t

!h"-u"s #r 4=?? !atins a!rss In%ia at #ast"r sp""% an% inia !st

(RO Cu!!ent Account

u n""% a +" "-uipp"% 'ank a!!unt t k""p pa!" +ith $u in th" "*"r

!han&in& 'usin"ss s!"nari. 8" ##"r $u th" 1tak Pr Curr"nt A!!unt, ar"% +ith

1tak 5:8a$ S+""p, as +" as an "ntir" &aut # Bankin& Pri*i"&"s an% us"r:#ri"n%$

Cn*"ni"n!" Bankin& #a!iiti"s. Th" #"atur" ri!h 1tak Pr Curr"nt A!!unt is th" i%"a

+a$ t ak" $ur n"$ +rk har%"r.

Ke: *eatu!es

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• D"%i!at"% R"atinship Mana&"r

• r"" D"an% Dra#ts 3 Pa$ Or%"rs

• r"" At H" S"r*i!"s

•B"tt"r r"9 rat"s an% E##i!i"nt Tra%" S"r*i!"s

AC% Cu!!ent Account

In th" n""% # a +" "-uipp"% 'ank a!!unt t k""p pa!" +ith $u in th" "*"r 

!han&in& 'usin"ss s!"nari. Th"$ ##"r $u th" 1tak A!" Curr"nt A!!unt, ar"% +ith

Busin"ss '"n"#its an% "9!usi*" A!" Pri*i"&"s an% an "ntir" &aut # 'ankin&

!n*"ni"n!"s "sp"!ia$ %"si&n"% #r $u. Th" #"atur" ri!h 1tak A!" A!!unt is th" i%"a

+a$ t ak" n"$ +rk har%"r 

Te! Deposits

  Ke: *eatu!es

• Eas" an% !n*"ni"n!" # p"ratin

• 2i-ui%it$ thru&h *"r%ra#t r s+""p:in #a!iit$

• N p"nat$ n pr":atur" "n!ash"nt

• Ninatin #a!iit$ a*aia'"

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Gi*" $ur prt#i sta'iit$ # r"turns an% sa#"t$ an% i-ui%it$. In*"st in 1tak Bank T"r

D"psit. It ##"r attra!ti*" r"turns n t"r %"psits an% in*"stin& in th" is r"a$ sip"

an% !n*"ni"nt.

"atur"s 3 B"n"#its

%ase and convenience o# ope!ation

r th" #irst ti" in In%ia, N"+ t Bank !ust"r !an as app$ nin"  #r t"r

%"psit.

 An "9istin& !ust"r,!an pa!" a t"r %"psit thru&h Phn" Bankin& r N"t Bankin&.

8hats r", n" !an "*"n r"n"+ this %"psit '$ pa!in& an instru!tin *"r phn".

N""%"ss t "ntin, h" !an % a this an% r" '$ +akin& a!rss int an$ # 'ran!h"s.

  Liuidit: t5!oug5 ove!d!a#t o! sFeep0in #acilit:

D"psit +i '" a*aia'" t $u shu% $u n""% th" in !as" # an ""r&"n!$.

On" !an a*ai upt < *"r%ra#t a&ainst t"r '$ pa$in& 5 a'*" %"psit rat". This

#a!iit$ is a*aia'" #r %"psits a'*" Rs.?,??? #r a t"nur" # 4<4 %a$s r r". On"

!an as !hs" t ink t"r %"psit t sa*in&s ; !urr"nt a!!unt, +h"r"'$ i# n""% '",

t"r %"psit +i autati!a$ '" "n!ash"% t ""t +ith%ra+a r"-uir""nt.

  No penalt: on p!e0atu!e encas5ent

 In !as" t"r %"psit is pr":atur"$ "n!ash"%,n" +i "arn int"r"st at th" rat"

pr"*aiin& n th" %at" # %"psit #r th" +ith%ra+n aunt.

  Noination #acilit: availa=le

On" !an a*ai this #a!iit$ #r "a!h 3 "*"r$ a!!unt that p"n +ith us i.". ninat"

%i##"r"nt p"rsns #r %i##"r"nt t"r %"psit a!!unts !an !hs" t !han&" th" nin""

thru&h a %"!aratin in th" apprpriat" #r t r"*is" th" ninatin %urin& th" t"r # 

th" %"psit.

IN9%"TM%NT "%R9IC%"

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3Making :ou! one: g!oF4

 At 1tak Mahin%ra Bank, !an r"!&ni/" that #inan!ia n""%s *ar$, nt just an&st

in%i*i%uas, 'ut a!rss th" %i##"r"nt sta&"s # $ur i#". Th"$ ha*" $"ars # "9p"ri"n!" in

h"pin& p"p" put t&"th"r an in*"st"nt prt#i that +rks '"st #r th".

D%MAT

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Ke: *eatu!es

E##i!i"nt %"psitr$ s"r*i!"s that a+ $u t h% $ur shar"s in !n*"ni"nt,

K%"atK #rats 2"*"ra&" pprtuniti"s in th" st!k:ark"t +h"n $u spt th"

It ##"rs str"ain"%, "##i!i"nt %"psitr$ s"r*i!"s that a+ t h% shar"s in th"

!n*"ni"nt K%"atK #rats an% "*"ra&" pprtuniti"s in th" st!k:ark"t +h"n $u spt

th" B"in& a 'rk"ra&" hus", th" !pan$ is in r"&uar tu!h +ith th" shar" ark"t

an% its r"ati*" in%"9"s ik" NSE 3BSE, NCDEY. NSD2, CSD2. 2"t6s un%"rstan% th"

r"ati*" t"rs

"%BI (St!k E9!han&" 'ar% # In%ia)

It !h"!k ut n NSE an% BSE an% a t$p" # shar" tra%in& (Bth priar$ an%

s"!n%ar$ ark"t)

N"% &B"%0 : 1tak Mahin%ra Bank a+s t !stu"r t tra%" in shar" +ith NSE an%

BSE 'th (in priar$ an% s"!n%ar$ ark"t 'th). In BSE !stu"r !an tra%" in 5@5

st!ks an% in NSE !stu"r !an tra%" in 77 !pani"s. Th" in%"9 # NSE is Ni#t$ an%

#r BSE S"ns"9

N"DL AND C"DL

1tak Mahin%ra Bank a+ t !stu"r t in*"st in utua #un% an% 'n%s. NSD2

(Natina s"!urit$ %"psitr$ iit"%) an% CSD2 (C"ntra s"!urit$ %"psitr$ iit"% !h"!k

ut n this t$p" # in*"st"nt

MC) AND NCD%)

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1tak Mahin%ra Bank as a+ t !stu"r t tra%" in !%it$ '$ MCY (Muti

C%it$ "9!han&") an% NCDEY (Natina C%it$ %ai$ "9!han&". In NCDEY

!%it$ ar" t tra%"

(ROD$CT" O**%R%D B KOTAK MAHINRA BANK

Th" #+in& ar" th" *arius pr%u!ts # 1tak Mahin%ra Bank0

D%MAT & ON LIN% TRADIN+ ACCO$NT'

Th" 7:in:4 a!!unt int"&rat"s $ur 'ankin&, 'rkin& an% %"at a!!unts. This

"na'"s $u t tra%" in shar"s +ithut &in& thru&h th" hass"s # tra!kin& s"tt""nt!$!"s, +ritin& !h"-u"s an% Trans#"r Instru!tins, !hasin& $ur 'rk"r #r !h"-u"s r 

Trans#"r Instru!tins "t!.

INITIAL ($BLIC O**%R"I(O2"

In th" a'*" pr%u!ts +" ha*" %is!uss"% in*"st"nt in "-uit$ thru&h s"!n%ar$

ark"ts .anth"r +a$ # in*"stin& in "-uit$ ark"ts is thru&h th" priar$ ark"t

rut" .+h"n"*"r a !pan$ !"s ut +ith an initia pu'i! ##"rin& $u a$ !hs" t

app$ #r th" shar". Bas"% n nu'"r # *ai% appi!atin r"!"i*"%, th" !pan$ +u%

th"n at th" shar" t appi!ants.

Th" ##in" +a$ # in*"stin& in an IPO is '$ #iin& ph$si!a appi!atin #rs,

!h"-u"s. An% su'ittin& th" #rs thru&h $ur 'rk"r. 8ith 1OTA1 MAHINDRA BAN1

a $u ha*" t % is #iin& nu'"r # shar" n th" sit" an% su'it.

D%RI9ATI9%"

Cust"rs +ith %i##"r"nt t$p"s # risk pr#i" !an us" %"ri*ati*"s.

H"%&in& th" !ash ark"t psitin L i%"a #r + risk pr#i".

Takin& a%*anta&" # ar'itra&" pprtunit$ in "-uit$ an% %"ri*ati*"s ark"ts

 Li%"a #r + risk pr#i"

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Takin& a *i"+ n st!k;in%"9 #r as n& as 7 nth p"ri% L "%iu risk

pr#i"

Sp"!uati*" tra%in&:hi&h risk pr#i"

1OTA1 MAHINDRA BAN1 ##"rs nin" in*"st"nt in #utur" an% ptin, +ith '"n"#it # 

autat"% s"tt""nts an% nin" risk nitrin& s$st"

Mutual *unds

Ke: *eatu!es

•  Assistan!" at "*"r$ st"p # th" in*"st"nt pr!"ss

•  An "9p"ri"n!"% r"s"ar!h t"a t ana$/" an% r"s"ar!h th" Mutua un%s

a*aia'" in th" ark"t

• Prt#i assistan!"

Th" t"a ana$s"s an% r"s"ar!h"s th" Mutua un%s a*aia'" in th" ark"t,

h"pin& $u ak" r" in#r"% %"!isins. Th" r"!"n%atins tak" int a!!unt a

r""*ant #a!trs in!u%in& th" in*"st"nt phisph$ # th" Ass"t Mana&""nt Cpan$,

prt#i -uait$, risk:a%just"% r"turns an% ark"t tr"n%s.

Th" Mutua #un%s n a%*isr$ ist ran&" #r D"'t t E-uit$ #un%s an% ar" %ra+n

#r tp p"r#rin& s!h""s # r"n+n"% Mutua un% hus"s ik" rankin T"p"tn,

1tak, R"ian!", Pru%"ntia ICICI "t!.R"atinship Mana&"r +i r"!"n% th" #un%s

that suit th" in*"st"nt 'j"!ti*"s.

  Inst"a% # 'u$in& shar"s # %i##"r"nt !pani"s tra!kin& th" pri!" *""nt6s

p"r#ran!" # th" !pan$, &r+th prsp"!ts # th" in%ustri"s "t!. an% th"n takin& $ur 

+n 'u$;s" %"!isin, $u a$ !nsi%"r akin& in*"st"nt in "-uit$;%"'t ark"t thru&h

th" utua #un% rut". Mutua #un% is a SEBI r"&ist"r"% "ntit$ that ps th" n"$ # 

an$ in%i*i%uas6 in*"strs t pur!has" th" st!ks, 'n% r th"r #inan!ia instru"nts

.pr#"ssina

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3An:F5e!e, An:tie Banking4

In t%a$s %a$ an% a&" ti" is n"$. u +rk har% an% ha*" a 'us$ s!h"%u".

Din& 'ankin& shu% '" "as$ an% !n*"ni"nt an% nt a%% t +rri"s.1tak Mahin%ra Bank r"ai/" this an% ha*" sp"!ia$ tair"% a +i%" ran&" # *au" a%%"%

pr%u!ts an% s"r*i!"s t ak" n"$ +rk #r $u. Th"s", !up"% +ith th" hi&h"st

stan%ar% # !ust"r !ar" +i ak" i#" sip"r an% "asi"r.

Multiple Banking C5annels

T%a$ th" t"!hn&$ %ri*"n 'anks ar" #in%in& *arius "ans t r"%u!" !sts an%

r"a!h ut t as an$ !ust"rs as pssi'" spr"a% *"r a %i*"rs" ar"a. This has "% tusin& utip" !hann"s # %"i*"r$ # th"ir pr%u!ts.

  ATM Autoatic Telle! Mac5ine'

 An ATM is 'asi!a$ a a!hin" that !an %"i*"r !ash t th" !ust"rs n %"an%

a#t"r auth"nti!atin. H+"*"r, n+a%a$s +" ha*" ATMs that ar" us"% t *"n% %i##"r"nt

MCG pr%u!ts as. An ATM %"s th" 'asi! #un!tin # a 'ank6s 'ran!h, i."., %"i*"rin&

n"$ n %"an%. H"n!" s"ttin& # n"+"r 'ran!h"s is nt r"-uir"% th"r"'$ si&ni#i!ant$

+"rin& in#rastru!tur" !sts.

Cst r"%u!tin is h+"*"r pssi'" n$ +h"n th"s" a!hin"s ar" us"%. In In%ia,

th" a*"ra&" !ash +ith%ra+a p"r ATM p"r %a$ has #a"n #r 4?? ast $"ars t >? this

$"ar. Thu&h th" nu'"r # ATMs has in!r"as"% sin!" ast $"ar, it is nt in s$n! +ith th"

nu'"r # !ar%s issu"%. As, th"r" ar" an$ %rant !ar%h%"rs +h % nt us" th"

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 ATMs an% pr"#"r th" t""r !unt"rs. In spit" # th"s" %%s, In%ian 'anks ar" in!r"asin&

th" nu'"r # ATMs at a #"*"rish pa!". Th"s" a!hin"s as h% th" k"$s t #utur"

p"ratina "##i!i"n!$

 A!!unt h%"rs # 1tak Mahin%ra Bank Sa*in& A!!unt ha*in& Visa E"!trn D"'it Car%

!an a!!"ss th"r Banks ATM a!hin"s uniit"% ti"s p"r nth #r #r"", a#t"r that th"

 A!!unt h%"r has t pa$ nthin& #r th" transa!tin. But as h%"rs # ATM !ar%s

!annt a!!"ss a!hin"s '"n&in& t th"r Banks.

Th" nu'"r # ATM a!hin"s insta"% '$ 1tak Mahin%ra Bank is 5? in D"hi an%

th" A In%ia ta$ is 4= a!hin"s. 8h"n this #i&ur" is !par"% t ICICI Bank +hi!h has

thri!" th" nu'"r # a!hin"s in D"hi r HDC Bank +hi!h has n"ar$ t+i!" th" nu'"r 

# a!hin"s in D"hi, this is +rr$in& #r 1tak Mahin%ra Bank.

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3+!oFt5 In ATM Mac5ine 6it5 Inc!eased $se4

Th" Ta'" '"+ sh+s th" nu'"r # ATM a!hin"s '"n&in& t *arius 'anks in

In%ia0:

r th" a'*" ta'" +" !an !"ar$ s"" that HDC Bank is th" Bank +hi!h has

hi&h"st nu'"r # ATM a!hin"s n A In%ia 'asis, this is #+"% '$ ICICI Bank, th"n

TI.

8h"n +" k at th" !n!"ntratin # a!hin"s in th" D"hi R"&in +" s"" that ut # 

ICICI Bank6s =? Ma!hin"s 445 ar" !at"% in D"hi r"pr"s"ntin& 5?.

Th" !rr"spn%in& #i&ur" #r 1tak Mahin%ra Bank is [email protected]. HDC Bank is 44.<, IDBI

Bank is 45.7, an% CITIBAN1 is 47.>.

Net Banking'

N"t 'ankin& "ans !arr$in& ut 'ankin& transa!tins *ia th" Int"rn"t. Thus th"

n""% #r a 'ran!h is !p"t"$ "iinat"% '$ t"!hn&$. As this h"ps in s"r*in& th"

!ust"r '"tt"r an% tairin& pr%u!ts '"tt"r suit"% #r th" !ust"r.

 A !ust"r !an *i"+ his a!!unt %"tais, transa!tin histr$, r%"r %ra#ts, ""!trni!a$

ak" pa$"nts, trans#"r #un%s, !h"!k his a!!unt psitin an% ""!trni!a$

!uni!at" +ith th" 'ank thru&h th" Int"rn"t #r +hi!h h" a$ ha*" +ant"% t *isit th"

'ank 'ran!h.

61

NAME O BAN1

NMBER O ATM MACHINES

(A22 INDIA BASIS)

NMBER O ATM

MACHINES (DE2HI)

1OTA1

MAHINDRA Bank455 5=

ICICI Bank =? 445HDC Bank =5 ==

IDBI 7? @7CITIBAN1 4=? 55

HSBC 4?7 54 AMN Ar @? 47

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N"t 'ankin& h"ps a 'ank spr"a% its r"a!h t th" "ntir" +r% at a #ra!tin # th" !st

  (5one Banking'

This "ans !arr$in& ut # 'ankin& transa!tin thru&h th" t""phn". A !ust"r 

!an !a up th" 'anks h"p in" r phn" 'ankin& nu'"r t !n%u!t transa!tins ik"

trans#"r # #un%s, akin& pa$"nts, !h"!kin&

# a!!unt 'aan!", r%"rin& !h"-u"s, "t!. This as "iinat"s th" !ust"r # th" n""%

t *isit th" 'ank6s 'ran!h.

  (IN "ecu!it:

 Autat"% i%"nti#i!atin pr!"ss +h"n $u us" ur 5@ '$ > Phn" Bankin& s"r*i!"

+i h"p sa*" $ur !a ti" as +" as &i*" $u r" s"!urit$, as $u +i '"

*ai%at"% '$ usin& a = %i&it Phn" Bankin& P"rsna I%"nti#i!atin Nu'"r (PIN)

that shu% '" kn+n t n n" 'ut $urs"#.

  A!!"ssin& Phn" Bankin& is "as$. A $u ar" r"-uir"% t % +h"n $u !a us,

is t "nt"r $u Cust"r R"atinship Nu'"r #+"% '$ th" k"$, an% *ai%at"

it '$ "nt"rin& $ur Phn" Bankin& PIN. On!" %n" su!!"ss#u$, $u +i '" a'" t

sp"ak +ith ur Cust"r Car" O##i!"r +h +i '" &a% t assist $u in $ur -u"ri"s

r transa!tins.

  (IN C5ange

I# $u ar" a #irst ti" !a"r, $u +i prpt"% '$ th" s$st" t !han&" $ur Phn"

Bankin& PIN t n" # $ur !hi!", a#t"r $u*" '""n su!!"ss#u$ i%"nti#i"% '$ th"

s$st". 8" r"-u"st $u t !han&" $ur PIN a!!r%in&$ t h"p "nsur" that $ur

a!!unt in#ratin is nt a*aia'" t an$n" 'ut $u.

 A%%itina$, $u ha*" th" ptin # !han&in& $ur Phn" Bankin& PIN %ir"!t$, at

$ur !n*"ni"n!", '$ %iain& KK n ur Main M"nu +h"n $u !a us.

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  (IN +ene!ation Regene!ation

r a ur !ust"rs +h ha*"nt ha% th" pprtunit$ t r"&ist"r th"s"*"s #r

Phn" Bankin&, r ths" +h*" ha*" #r&tt"n th" Phn" Bankin& PIN a!at"%

t th", ur Cust"r Car" O##i!"rs +i &a%$ "na'" $u #r $ur a!!"ss

i"%iat"$ +ith $ur !ns"nt. A $u +i '" r"-uir"% t % is ask #r $ur a!!"ss

r +" urs"*"s +i ##"r t % s.

  Custoe! Ca!e O##ice!s

Our Cust"r Car" O##i!"rs ar" a*aia'" 5@ '$ > t assist $u in $ur -u"ri"s r

transa!tins that $u a$ +ish t !n%u!t n $ur a!!unt. u a$ r"a!h a

Cust"r Car" O##i!"r an$ti" %urin& $ur !a '$ %iain& K?K.

In addition to t5e e@isting se!vices availa=le ove! (5one Banking suc5 as'

  In r%"r t pr*i%" $u th" !n*"ni"n!" # !arr$in& ut st # $ur Bankin&

transa!tins in just n" !a, +" ha*" a%%"% hst # n"+ s"r*i!"s an% +" ar" "9!it"% t

'rin& th" t $u. Th"s" in!u%"0

• En-uir" n $ur a!!unt %"tais : $ur 'aan!", a!!unt a!ti*it$, un!"ar"%.

• un% %"tais an% !h"-u" status.

• En-uir" n th" at"st int"r"st an% "9!han&" rat"s.

• R"-u"st #r #un% trans#"r '"t+""n $ur a!!unts at 1tak Mahin%ra Bank.

• Op"n a t"r %"psit r &"t %"tais # a $ur t"r %"psits

• Initiat" stan%in& instru!tins r pa!" stp !h"-u" pa$"nt instru!tins.

• R"-u"st a !h"-u" 'k an% a!!unt stat""nts.

  Cn%itins app$ o! can %-e !s f%nanc%a" %nstr!ct%ons thro!h o!r Phone Ban&%n ser-%ce

 *ased on o!r acco!nt operat%n $andate+ %e %f o! ha-e a s%n"e or !ncond%t%ona" s%n%n

a!thor%t on o!r acco!nt+ o! can transact on o!r acco!nts thro!h the phone Deat

account5olde!s can avail o# t5e #olloFing "e!vices t5!oug5 (5one Banking

• R"-u"st #r a D"at transa!tin r h%in& stat""nt

• En-uir" a'ut $ur transa!tin r h%in& %"tais

• R"-u"st #r a D"at Instru!tin Sip 'k"t t '" s"nt t $u

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Investent account5olde!s can avail o# t5e #olloFing "e!vices t5!oug5 (5one

Banking

• En-uir" n $ur a!!unt an% transa!tin %"tais

• Curr"nt NAV %"tais # $ur in*"st"nts

• R"-u"st a stat""nt # a!!unt

• Pur!has" an% r"%"" in*"st"nts nin"

• Ch"!k th" status # $ur pur!has" an% r"%"ptin r"-u"sts

• Pur!has" ; R"%"ptin # Mutua un% units

• Thir% Part$ un%s Trans#"r t th"r a!!unts +ithin ur Bank

• R"&istratin #r M'i" Bankin& ; N"t Bankin&

  Mo=ile Banking'

Ke: *eatu!es'

•  An$ti", an$+h"r" 'ankin&

• E9p"ri"n!" nin" 'ankin& :

+ithut a p! r int"rn"t

!nn"!tin

• Vi"+ %"tais a!rss A!!unts, T"r D"psits an% In*"st"nts

• Pa$ utiit$ 'is

• In*"st;R"%"" in Mutua un%s : an$ti", an$+h"r"

• S"!ur"% pat#r : "n!r$pt"% !uni!atin

Banks !an n+ h"p a !ust"r !n%u!t !"rtain transa!tins thru&h th" M'i"

Phn" +ith th" h"p # t"!hn&i"s ik" 8AP, SMS, "t!. This h"ps a 'ank t !'in"

th" Int"rn"t an% t""phn" an% "*"ra&" it t !ut !sts an% at th" sa" ti" pr*i%" its

!ust"r th" !n*"ni"n!". Thus it !an '" s""n that t"!h sa**$ 'anks ar" tappin& th"

"ntir" a'*" at"rnati*" !hann"s t !ut !sts ipr*" !ust"r satis#a!tin.

Mo=ile Banking *eatu!es'

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M"nu %ri*"n s"r*i!" L n n""% t r""'"r !p"9 !%"s

• S"!urit$ thru&h 45< 'it "n!r$ptin.

• Ch"!k $ur a!!unt 'aan!"s #r Curr"nt, Sa*in&s 3 T"r D"psit a!!unts

•Vi"+ $ur a!!unt a!ti*it$

• Trans#"r #un%s '"t+""n $ur a!!unts r th"r a!!unts in 1tak Bank

• Pur!has" 3 r"%"" Mutua un% units

• R"prt ss;th"#t # D"'it Car% an% r"-u"st #r r"pa!""nt

• Ch"!k status # $ur Ch"-u" instru"nts

• R"-u"st issu" # n"+ Ch"-u" 'k

"ecu!it: *eatu!es

1tak M'i" 'ankin& pat#r us"s s"!ur"% Https prt! #r !uni!atin

'"t+""n th" 'i" !i"nt an% th" 'i" s"r*"r. Prt"!t"% '$ th" st strin&"nt s"!urit$

s$st"s, 1tak M'i" Bankin& a+s $u t transa!t *"r a !p"t"$ s"!ur" "%iu.

 A $ur transa!tins tra*" *ia 45<:'it SS2 "n!r$pt"% "%iu, th" hi&h"st "*" # 

s"!urit$ n th" n"t+rk. Th" s"r*"rs ar" prt"!t"% +ith #ir"+as that ak" unauthri/"%

a!!"ss ipssi'".

  "M" Banking'

Ke: *eatu!es

•  A!!"ss $ur 'ank a!!unt n $ur M'i" Phn"

G"t at"st up%at" n $ur a!!unt 'aan!", saar$ !r"%its, an% r"X

REE s"r*i!"

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1tak Mahin%ra Banks SMS Bankin& s"r*i!" "na'"s $u t a!!"ss $ur 'ank a!!unt,

in*"st"nt a!!unt an% %"at a!!unt n $ur M'i" Phn". N+ &"t at"st up%at" n

$ur a!!unt 'aan!", saar$ !r"%its, ar&" %"'its, ar&" !r"%its, h%in& *au" an% u!h

r", n $ur 'i" an$ti".

ATM NetFo!k

1"$ "atur"s

•  A!!"ss $ur a!!unt an$ti" an$+h"r"

• Stat" # th" art Tu!h S!r""n ATMs

•  A##iiat"% t th" VISA n"t+rk

•  A!!"ss an$ ATM in th" !untr$ a'sut"$ #r"".

T5e ATM se!vice is availa=le to :ou a=solutel: *R%%

Our strat"&i!a$ !at"% an% !nstant$ &r+in& ATM n"t+rk 'rin&s th" 'ank +ithin $ur

"as$ r"a!h.

  Th" stat" # th" art tu!h s!r""n 1tak Mahin%ra Bank ATMs ar" part # th"

Visa;Pus an% Cashn"t ATM n"t+rk. That "ans $u !an +ith%ra+ !ash #r ur ATM

N"t+rk +ith an$ Int"rnatina an% D"sti! Visa;Visa E"!trn;Pus Cr"%it Car%s;D"'it

Car%s.

"e!vices availa=le

• 5@:hur a!!"ss t !ash

• Trans#"r #un%s '"t+""n a!!unts

• Vi"+ A!!unt Baan!"s an% Mini Stat""nt

• Pin Chan&" ptin

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INT%RN%T BANKIN+

INTROD$CTION

Th" Int"rn"t 'ankin& is !han&in& th" 'ankin& in%ustr$ an% is ha*in& th" ajr 

"##"!ts n 'ankin& r"atinships. Int"rn"t 'ankin& in**"s us" # Int"rn"t #r %"i*"r$ # 'ankin& pr%u!ts 3 s"r*i!"s. It #as int #ur ain !at"&ri"s, #r 2"*" 4 : iniu

#un!tinait$ sit"s that ##"r n$ a!!"ss t %"psit a!!unt %ata : t 2"*" @ sit"s : hi&h$

sphisti!at"% ##"rin&s "na'in& int"&rat"% sa"s # a%%itina pr%u!ts an% a!!"ss t

th"r #inan!ia s"r*i!"s: su!h as in*"st"nt an% insuran!".

DRI9%R" O* CHAN+%

  A%*anta&"s pr"*ius$ h"% '$ ar&" #inan!ia institutins ha*" shrunk

!nsi%"ra'$. Th" Int"rn"t has "*""% th" pa$in& #i"% an% a##r%"% p"n a!!"ss t

!ust"rs in th" &'a ark"tpa!". Int"rn"t 'ankin& is a !st:"##"!ti*" %"i*"r$ !hann"

#r #inan!ia institutins. Cnsu"rs ar" "'ra!in& th" an$ '"n"#its # Int"rn"t 'ankin&.

 A!!"ss t n"s a!!unts at an$ti" an% #r an$ !atin *ia th" 8r% 8i%" 8"' is a

!n*"ni"n!" unkn+n a shrt ti" a&.

Th" priar$ %ri*"rs # Int"rn"t 'ankin& ar"0

  Ipr*" !ust"r a!!"ss

  a!iitat" th" ##"rin& # r" s"r*i!"s

  In!r"as" !ust"r $at$

   Attra!t n"+ !ust"rs

Co!e Banking "olutions

Cr" Bankin& Sutins is n"+ jar&n #r"-u"nt$ us"% in 'ankin& !ir!"s. Th"

a%*an!""nt in t"!hn&$ "sp"!ia$ int"rn"t an% in#ratin t"!hn&$ has "% t n"+

+a$ # %in& 'usin"ss in 'ankin&. Th" t"!hn&i"s ha*" !ut %+n ti", +rkin&

siutan"us$ n %i##"r"nt issu"s an% in!r"as"% "##i!i"n!$. Th" pat#r +h"r"

!uni!atin t"!hn&$ an% in#ratin t"!hn&$ ar" "r&"% t suit !r" n""%s # 

'ankin& is kn+n as Cr" Bankin& Sutins. H"r" !put"r s#t+ar" is %"*"p"% t

p"r#r !r" p"ratins # 'ankin& ik" r"!r%in& # transa!tins, pass'k

aint"nan!", int"r"st !a!uatins n ans an% %"psits, !ust"r r"!r%s, 'aan!" # 

pa$"nts an% +ith%ra+a ar" %n". This s#t+ar" is insta"% at %i##"r"nt 'ran!h"s # 

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'ank an% th"n int"r!nn"!t"% '$ "ans # !uni!atin in"s ik" t""phn"s, sat"it",

int"rn"t "t!. It a+s th" us"r (!ust"rs) t p"rat" a!!unts #r an$ 'ran!h i# it has

insta"% !r" 'ankin& sutins. This n"+ pat#r has !han&"% th" +a$ 'anks ar"

+rkin&. N+ an$ a%*an!"% #"atur"s ik" r"&uatr$ r"-uir""nts an% th"r 

sp"!iai/"% s"r*i!"s ik" shar" (st!k) tra%in& ar" '"in& pr*i%"%.

Real Tie +!oss "ettleent RT+"

RTGS is an ""!trni! s"tt""nt s$st" # R"s"r*" Bank # In%ia +ithut

in**""nt # pap"rs. T #a!iitat" an E##i!i"nt, S"!ur", E!ni!a, R"ia'" an%

E9p"%itius S$st" # un% trans#"r an% !"arin& in th" Bankin& s"!tr thru&hut In%ia.

R"a ti" &rss s"tt""nt s$st"s (RTGS) ar" a #un%s trans#"r "!hanis +h"r"

trans#"r # n"$ tak"s pa!" #r n" 'ank t anth"r n a Kr"a ti"K an% n K&rssK

'asis. S"tt""nt in Kr"a ti"K "ans pa$"nt transa!tin is nt su'j"!t"% t an$

+aitin& p"ri%. Th" transa!tins ar" s"tt"% as sn as th"$ ar" pr!"ss"%. KGrss

s"tt""ntK "ans th" transa!tin is s"tt"% n n" t n" 'asis +ithut 'un!hin& +ith

an$ th"r transa!tin. On!" pr!"ss"%, pa$"nts ar" #ina an% irr"*!a'".

%lect!onic Clea!ing "e!vice %C"

E"!trni! C"arin& S"r*i!" is anth"r t"!hn&$ "nhan!""nt happ"n"% in th"

'ankin& in%ustr$. Th" !ust"r +iin& t us" this #a!iit$ ar" r"-uir"% t #i in th"

an%at" #r #r th" !rprat";an$ utiit$ s"r*i!" institutin #r ECS %" # !r"%it an%

%"'it. Th" !ust"r n""%s t pr"par" th" pa$"nt %at" an% su'it it t th" spnsr 

Bank an% a#t"r that "*"r$ thin& happ"n"% ""!trni!a$. s !ust"r !an th"r" '$ ak"

pa$"nts as +" as r"!"i*" a in!"s ""!trni!a$.

In#o!ation Onl: ":ste'  G"n"ra purps" in#ratin ik" int"r"st rat"s,

'ran!h !atin, 'ank pr%u!ts an% th"ir #"atur"s, an an% %"psit !a!uatins

ar" pr*i%"% in th" 'anks +"'sit". Th"r" "9ist #a!iiti"s #r %+na%in& *arius

t$p"s # appi!atin #rs. Th" !uni!atin is nra$ %n" thru&h ":ai.

Th"r" is n int"ra!tin '"t+""n th" !ust"r an% 'anks appi!atin s$st". N

i%"nti#i!atin # th" !ust"r is %n". In this s$st", th"r" is n pssi'iit$ # an$

unauthri/"% p"rsn &"ttin& int pr%u!tin s$st"s # th" 'ank thru&h int"rn"t.

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%lect!onic In#o!ation T!ans#e! ":ste'  Th" s$st" pr*i%"s !ust"r:

sp"!i#i! in#ratin in th" #r # a!!unt 'aan!"s, transa!tin %"tais, an%

stat""nt # a!!unts. Th" in#ratin is sti ar&"$ # th" r"a% n$ #rat.

I%"nti#i!atin an% auth"nti!atin # th" !ust"r is thru&h pass+r%. Th"

in#ratin is #"t!h"% #r th" 'anks appi!atin s$st" "ith"r in 'at!h %" r 

##:in". Th" appi!atin s$st"s !annt %ir"!t$ a!!"ss thru&h th" int"rn"t.

*ull: %lect!onic T!ansactional ":ste'  This s$st" a+s 'i:%ir"!tina

!apa'iiti"s. Transa!tins !an '" su'itt"% '$ th" !ust"r #r nin" up%at". This

s$st" r"-uir"s hi&h %"&r"" # s"!urit$ an% !ntr. In this "n*irn"nt, +"'

s"r*"r an% appi!atin s$st"s ar" ink"% *"r s"!ur" in#rastru!tur". It !pris"s

t"!hn&$ !*"rin& !put"ri/atin, n"t+rkin& an% s"!urit$, int"r:'ank pa$"nt

&at"+a$ an% "&a in#rastru!tur".

Int"rn"t Bankin& is th" st t"!hn&i!a a%*an!"% "ans t % Bankin&. Thru&h this

"%iu th" A!!unt h%"r !an % *arius t$p"s # transa!tins +ithut ha*in& t "a*"

his O##i!";R"si%"n!".

Th" A!!unt h%"r has th" !n*"ni"n!" t % transa!tin n att"r +h"r" h" is inth" +r% at an$ ti" # th" %a$. Int"rn"t is th" st !st "##"!ti*" "%iu # Bankin&

#r th" pint # *i"+ # th" Banks it !sts a #ra!tin t th" Bank as !par"% t th"r 

"%ius ik" Bran!h Bankin& r ATM.

But this "%iu is nt as #a*r"% a "%iu as it in th" +"st , th" r"asns #r this

is that #irst$ , this is a r"ati*"$ n"+ !n!"pt in In%ia , s"!n%$ , &"n"ra p"r!"ptin that

this is nt sa#" , thir%$ , !put"rs an% int"rn"t ar" nt +i%"$ spr"a% a *"r th"

!untr$.

MAIN CONC%RN" IN INT%RN%T BANKIN+

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In a sur*"$ !n%u!t"% '$ th" Onin" Bankin& Ass!iatin, "'"r institutins

rat"% s"!urit$ as th" st iprtant issu" # nin" 'ankin&. Th"r" is a %ua r"-uir""nt

t prt"!t !ust"rs pri*a!$ an% prt"!t a&ainst #rau%.

4. A uti:a$"r"% s"!urit$ ar!hit"!tur" !prisin& #ir"+as, #it"rin& rut"rs, "n!r$ptin

an% %i&ita !"rti#i!atin "nsur"s that a!!unt in#ratin is prt"!t"% #r unauthri/"%

a!!"ss0

ir"+as an% #it"rin& rut"rs "nsur" that n$ th" "&itiat" Int"rn"t us"rs ar" a+"% t

a!!"ss th" s$st".

5Z En!r$ptin t"!hni-u"s us"% '$ th" 'ank (in!u%in& th" sphisti!at"% pu'i! k"$

"n!r$ptin) +u% "nsur" that pri*a!$ # %ata #+in& '"t+""n th" 'r+s"r an% th" In#init$

s$st" is prt"!t"%.

7Z Di&ita !"rti#i!atin pr!"%ur"s pr*i%" th" assuran!" that th" %ata $u r"!"i*" is #r

th" In#init$ s$st".

"TRAT%+IC ALLIANC%" %NT%R%D B KOTAK MAHINDRA BANK

NATIONAL ATM ALLIANC%"

Th" Institut" #r D"*"p"nt an% R"s"ar!h in Bankin& T"!hn&$ (IDRBT), a

&rup "sta'ish"% '$ th" R"s"r*" Bank # In%ia (RBI) in 4=, has pann"% t s"t up a

natina s+it!h t hk up a # th" !untr$s 4?,???:%% ATMs.

Th" i%"a # "sta'ishin& ATM int"r!nn"!ti*it$ thru&h a natina s+it!h has '""n

appr*"% '$ th" in#ratin !hi"#s # *arius Banks.

Th" "9p"!t"% !st # transa!tins rut"% thru&h th" s+it!h is t '" un%"r 4? rup""s (54

!"nts .S.) "a!h, %u" t th" hi&h *u"s # transa!tins :: ast 4??,??? p"r %a$.

CA"H N%T

It is an Aian!" '"t+""n Citi'ank, In%ustria D"*"p"nt Bank # In%ia, 1tak

Mahin%ra Bank an% TI Bank. This is th" !untr$s #irst in%"p"n%"nt shar"% ATM

n"t+rk.

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IDBI Bank r"!"i*"% p"rissin #r th" R"s"r*" Bank (RBI) t s"r*" as th" n"t+rks

s"tt""nt 'ank.

Cash n"t +i &i*" a!!"ss t r" than 4,7?? ATMs #r r" than = iin %"'it

!ar%h%"rs # th" "'"r 'anks. Th" Aian!" +u% !nstitut" a'ut a thir% # th" tta

!ar% 'as" an% 4 p"r!"nt # th" ATM 'as" in th" !untr$.

Kotak Ma5ind!a Bank and R%DI**7co

REDI.! In%ia an% 1tak Mahin%ra Bank ha*" "nt"r"% int an aian!" t

pr*i%" nin" an% ##in" 'ankin& an% r"at"% s"r*i!"s t th" In%ian !nsu"r.

Th" aian!" +i "na'" in#ratin n th" "ntir" ran&" # th" 'anks !nsu"r 'ankin&

pr%u!ts t '" a%" a*aia'" t th" =.@ iin nin" !ust"rs # R"%i##.!.

Th" s"r*i!"s ##"r"% in!u%" %"tai"% in#ratin n *arius %"psits, ans an%

rt&a&"s, !r"%it !ar%s, utua #un%s an% insuran!" pr%u!ts # th" 'ank. s"rs +i '"

a'" t %ir"!t$ int"ra!t +ith th" 'ank an% r"-u"st #r pr%u!ts nin"

OTH%R "%R9IC%"

BANKIN+ HO$R"

1tak Mahin%ra Bank A!!unt h%"rs ha*" '""n a'" t in#"r that Bran!h

Bankin& is th" s"!n% st r"-u"nt Pint # Int"ra!tin +ith th" Bank. Th" A*"ra&"

Bankin& Hurs is a *"r$ iprtant asp"!t ass!iat"% +ith an$ Bank. In t%a$6s #ast pa!"%

i#" +h"r" p"p" +h h% A!!unts +ith th" Bank ar" 'us$ +rkin& it is iprtant that

th"$ !an #in% a +a$ t *isit th" Bank +ithut ha*in& t iss ut n +rk.

Th" A*"ra&" Bankin& Hurs # 1tak Mahin%ra Bank is #r a t >p, th"

Bank is p"n t th" pu'i! #r t"n hurs. Th"s" tiin&s ar" !n*"ni"nt #r "sp"!ia$

ths" A!!unt h%"rs +h ar" +rkin&, th"s" p"p" !an *isit th" Bank a#t"r th"ir O##i!"

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#inish"s.Apart #r th" A*"ra&" Bankin& Hurs 1tak Mahin%ra Bank ##"rs t it6s

 A!!unt h%"rs 5@ Hur Bran!h, 7= Da$s Bran!h an% th" #a!iit$ # Sun%a$ Bankin&.

1tak Mahin%ra Bank is th" n$ Bank +hi!h ##"rs a 5@ Hur Bran!h in In%ia, this

is a 'i& 'n #r p"p" +h !annt tak" th" ti" ut t *isit th" Bank %urin& th" nra

+rkin& hurs an% is as *"r$ han%$ %urin& ""r&"n!i"s.

Th" 7= Da$ Bran!h # 1tak Mahin%ra Bank is as uni-u" an% th" n$ th"r Bank

##"rin& this s"r*i!" is ABN Ar , this Bran!h is p"n r"&ar%"ss # th" #a!t that it is a

Sun%a$ r a pu'i! hi%a$.

Sun%a$ Bankin& is *"r$ us"#u #r p"p" +h ar" 'us$ thru&hut th" +""k an% th" n$

%a$ +h"n th"$ #in% th" ti" is Sun%a$. Oth"r Banks ##"rin& this s"r*i!" apart #r 1tak

Mahin%ra Bank ar" ABN Ar an% CITIBAN1.

B"st Cpi"nts Car% L th" p"r#"!t &i#t

Intr%u!in& B"st Cpi"nts Car% : th" pr"pai% !ar% #r 1tak Mahin%ra Bank. It

"ts $ur *"% n"s !hs" th"ir +n &i#t r shp r "nj$ at an$ pa!" that a!!"pts

Visa !ar%s, '" it a shppin& a, a r"staurant r a utip"9. S & ah"a% an% &i*"

s"n" th" p"r#"!t &i#tX

N 1tak Mahin%ra Bank a!!unt r"-uir"%

Nt r"stri!t"% t a sin&" 'ran% r ut"t : a!!"pt"% at *"r 7 akhs "r!hant

"sta'ish"nts in In%ia that a!!"pt Visa !ar%s

Can '" us"% at $ur !n*"ni"n!" : n n""% t sp"n% th" "ntir" *au" in a sin&"

pur!has"

 Attra!ti*"$ pa!ka&"% an% r"a%$:t:&i#t

 A*aia'" at a 1tak Mahin%ra Bank 'ran!h"s

Vai% #r t+ $"ars #r %at" # issu" # !ar%

R%A"%ARCH M%THODOLO+

Bankin& A!ti*iti"s, 2ans, A!!unts 3 D"psits

<7/ O=8ective o# t5e stud:

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• Cp"t" un%"rstan%in& # th" 'ank an% its "p$"". A th" %"part"nts6

ana&"r +h is +rkin& in th" 1tak Mahin%ra 'ank 3 th"ir +rk, r&ani/atin

"n*irn"nt 3 s"r*i!" kn+"%&" "t!.

• T #in% ut th" ark"tin& r"at"% +rk +ith th" 'ank +ith th" h"p # ana&"r #

th" 1tak Mahin%ra 'ank.

<7-T:pe o# Resea!c5' 0

D"s!ripti*" r"s"ar!h is as !a"% Statisti!a R"s"ar!h. Th" ain &a # this t$p"

# r"s"ar!h is t %"s!ri'" th" %ata an% !hara!t"risti!s a'ut +hat is '"in& stu%i"%. Th"

i%"a '"hin% this t$p" # r"s"ar!h is t stu%$ #r"-u"n!i"s, a*"ra&"s, an% th"r statisti!a

!a!uatins. Athu&h this r"s"ar!h is hi&h$ a!!urat", it %"s nt &ath"r th" !aus"s

'"hin% a situatin.

Th" r"&uar int"ra!tin +ith th" Cust"rs an% th" 2in" Mana&"rs r"*"a"% a'ut

th" *arius strat"&i"s in**"% in p"r#rin& 'usin"ss a!ti*iti"s an% &ath"rin& %ata usin&

*arius t"!hni-u"s an% s#t+ar" appi!atins

D"s!ripti*" r"s"ar!h in!u%"s Sur*"$s an% #a!t:#in%in& "n-uiri"s # %i##"r"nt kin%s.

Th" ain !hara!t"risti! # this "th% is that th" r"s"ar!h"r has n !ntr *"r th"

*aria'"s h" !an n$ r"prt +hat has happ"n"% r +hat is happ"nin&.

DATA "O$RC%"

Th"r" ar" t+ t$p"s # %ata0

(RIMAR DATA

Th" %ata that is !"!t"% #irst han% '$ s"n" sp"!i#i!a$ #r th" purps" # 

#a!iitatin& th" stu%$ is kn+n as priar$ %ata. S in this r"s"ar!h th" %ata is !"!t"%

#r r"spn%"nts thru&h -u"stinnair".

"%CONDAR DATA7

r th" !pan$ in#ratin I ha% us"% s"!n%ar$ %ata ik" 'r!hur"s, +"' sit" # 

th" !pan$ "t!.

Th" M"th% us"% '$ " is Sur*"$ M"th% as th" r"s"ar!h %n" is D"s!ripti*" R"s"ar!h.

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<7<"AM(L% "I%'

Th" sur*"$ is !n%u!t"% an& 4 r"spn%"nts.

Sip" statisti!a ts ha*" '""n us"% in th" pr"s"nt stu%$ t ana$/" an% int"rpr"t th"

%ata !"!t"% #r th" #i"%. Th" stu%$ has us"% p"r!"nti" "th% an% th" %ata ar"

pr"s"nt"% in th" #r # %ia&ras.

<71"CO(% O* TH% "T$D

 This stu%$ h"ps in #in%in& ut th" satis#a!tin # st iprtant r"sur!" that is

!ust"rs # 1tak Mahin%ra Bank.

Th" stu%$ pr*i%"s kn+"%&" # *arius pr%u!ts3 in*"st"nt s"r*i!"s # 1tak

Mahin%ra Bank. Th" stu%$ h"ps t "arn # +rk !utur" # r&ani/atin.

Th" stu%$ # as h"ps t "arn +hat as th" *arius '"n"#its a*aia'" t th" !ust"rs.

<7>LIMITATION" O* "T$D 

Th" stu%$ !u% nt '" a%" that !pr"h"nsi*" %u" t ti" !nstraints. S"

!ust"rs #"" un!#rta'" t r"*"a s" p"rsna in#ratin r"atin& t in!" "t!.

it i&ht ha*" happ"n"% that s" r" "ss"ntia in#ratin !u% ha*" '""n !"!t"%.

Ti" !nstraint.

Bias"s an% nn:!p"ratin # th" r"spn%"nts.

inan!ia !nstraint.

G"&raphi!a s""!ti*it$ in stu%$ iitin& t Jaipur !it$ n$.

P"p" ar" nt int"r"st"% in &i*in& p"rsna pinin.

*ACT" AND *INDIN+"

/7 ATM a!iit$ is r" +i%"$ us"% '$ !ust"rs '"n&in& t Pri*at";r"i&n Banks as

!par"% t G*"rn"nt Banks.

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-7 Cust"rs *au" E##i!i"nt S"r*i!" *"r "*"r$ th"r asp"!t, this is #ar r" iprtant

than th" nu'"r # ATM a!hin"s, Sta##, D[!r # Bank.

<7 R"putatin # Bank is st iprtant +h"n it !"s t !hsin& "sp"!ia$ a Pri*at"

Bank.

17 Th" &"n"ra p"r!"ptin is that Pri*at" Banks pr*i%"s '"tt"r s"r*i!"s as !par"% t a

G*"rn"nt Bank.

>7 P"p" r"ai/" that Pri*at" Banks ar" as sa#" as !par"% t G*"rn"nt Banks.

=.A%*"rtis""nts an% r""'i"s !an '" us"% t attra!t r" !ust"rs.

DATA ANAL"I" AND INT%R%(R%TATION

Sur*"$ Cn%u!t"% n 4 R"spn%"nts

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2"ss than = nths 7

= nths t 4 $"ar 7?

4 t 5 $"ars ?

O*"r 5 $"ars 4>

D$RATION 6ITH BANK

DRATION 8ITH BAN1

Th" stu%$ # 4 1tak Mahin%ra Bank r"spn%"nts !nsist"% # a ajrit$ # 

!ust"rs +h ha% '""n +ith th" Bank #r a r"asna'" aunt # ti". This is &% as

th"s" !ust"rs ha*" ha% th" pprtunit$ t prp"r$ a!!"ss th" s"r*i!" "*" # th"

Bank, an% !an !par" th"ir "9p"ri"n!"s # 1tak Mahin%ra Bank +ith 'anks th"$ ha*"

pr"*ius$ an% ar" !urr"nt$ %"ain& +ith.

Out # th" tta r"spn%"nts n$ < ha*" '""n +ith th" Bank #r "ss than = nths, th"r"st > ha*" ha% th" pprtunit$ t kn+ a'ut th" str"n&ths an% +"akn"ss"s # th"

Bank.

 Anth"r in#"r"n!" that +" !an %ra+ #r this stu%$ is that !up" # $"ars th" Bank has

'""n a!ti*"$ a!-uirin& n"+ !ust"rs as #r th" sur*"$ +" !an s"" that a'ut <? # 

th" !ust"rs ha*" p"n"% th"ir a!!unts %urin& th" past t+ $"ars. Th" r"asn #r this

!u% '" that %urin& th" past t+ $"ars th" Bank has '""n a'" t !n*in!" an$

prsp"!ti*" !ust"rs a'ut th" sup"rir s"r*i!" it is a'" t ##"r in !parisn t

!p"tin& Banks.

 Anth"r r"asn !u% '" that th" !ust"r 'as" # th" Bank has in!r"as"% %u" t sh""r 

+r% # uth # th" Banks iins # satis#i"% !ust"rs.

/7  R%A"ON *OR CHOO"IN+ BANK

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7@

=4=

@@

R%A"ON *OR CHOO"IN+ BANK

R"!"n%"% '$ ai$ ;ri"n% Bran% Na";R"putatin # 'ank A%*"rtis""nt

Bran!h n"ar O##i!";R"si%"n!" Oth"r R"asns

I# th" Bank !u% &"t t kn+ # that *"r$ !p"in& #a!tr that !n*in!"% th" !ust"r 

t p"n th" a!!unt th"n th" Bank !u% us" this in its #a*r t attra!t r" !ust"rs.

r th" stu%$ !n%u!t"% th" #a!tr +hi!h has !" ut strn&"st in this r"&ar%s is th"

Ot5e! Reasons4 &"ttin& @@ # th" r"spns"s, &in& %""p"r int this r"spns" '$

askin& th" r"spn%"nt +hat is th" #a!tr th"$ in!u%" in this Oth"r R"asns is that st

p"p" ar" nt th" %"!i%in& #a!tr +h"n th"$ p"n a sa*in& a!!unt, this is %n" s '$

th"ir "p$"rs. Th" !ust"r6s saar$ a!!unts ar" !r"at"% '$ th" !pani"s in +hi!h

th"$ +rk.

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<7 MO"T *R%$%NT (OINT O* INT%RACTION6ITH TH% BANK

Visit Bran!h ATM Phn" Bankin& Drp B9 Int"rn"t Bankin& Dr St"p

?

4?

4

5?

5

7?

4=

5=

=

?

5

?

MO"T *R%$%NT (OINT O* INT%RACTION

Th" Banks ar" *"r$ int"r"st"% t kn+ th" st ppuar (oint o# Inte!action +ith

th" Bank as i# th" Bank is a!kin& in n" # th"s" st"ps !an '" tak"n t ak" th" situatin

'"tt"r.

r th" stu%$ +" !an s"" r" than ha# o!e t5an >. # th" tta r"spn%"nts #""

that th"$ int"ra!t st +ith th" Bank +ith th" h"p # ATM. H"n!" th" iprtan!" # ATM

!annt '" *"rstat"%.

Th" S"!n% st ppuar pint # int"ra!tin that aris"s #r th" stu%$ is th"

B!anc5 +ith 75 # th" r"spn%"nts #a*rin& this ptin. 1tak Mahin%ra Bank is uni-u"

in an asp"!t that it #+s th" 3An: B!anc5 Banking4 +h"r"in th" A!!unt h%"r !an

us" an$ # th" Banks 4= Bran!h"s a *"r th" !untr$.

 An asp"!t that !ust"rs r"a$ appr"!iat" is th" -1 5ou! B!anc5es and t5e <>

Da:sB!anc5es o# Kotak Ma5ind!a Bank. Th" 5@ Hur Bran!h # 1tak Mahin%ra Bank

is !at"% at s"!tr 4< Jaipur apart #r th"s" Bran!h"s in Mu'ai an% th"r !iti"s in

In%ia.

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1tak Mahin%ra Bank is th" n$ Bank +hi!h has th" #a!iit$ # a 5@ Hur Bran!h. As #r a

7= Da$ Bran!h th" n$ Bank ha*in& this #a!iit$ apart #r 1tak Mahin%ra is TIBank.

Th" thir% st r"-u"nt Pint # Int"ra!tin is (5one Banking  +ith 44. # th"

r"spn%"nts #a*rin& this "%iu. Phn" Bankin& is n" # th" n"+ a&" Bankin&

t"!hni-u"s. It is in it6s in#an!$ in In%ia an% p"p" ha*" nt tak"n t it as is th" !as" in

th"r D"*"p"% Cuntri"s in th" 8r%.

In th" stu%$ it +as s""n that !ust"rs ha*" i9"% #""in& +h"n it !"s t Phn"

Bankin& as s"ti"s th"$ % nt #in% it as an "##"!ti*" at"rnat" t tra%itina #rs # 

Bankin&.

Th" #rth st r"-u"nt Pint # Int"ra!tin +ith th" Bank is Inte!net Banking +ith @ # th" r"spn%"nts #a*rin& this "%iu. Int"rn"t Bankin& is th" st %"rn "ans #

Bankin& a*aia'" t th" !ust"rs 'ut %u" t th" &"n"ra p"r!"ptin that this "%iu is

nt sa#" it is nt us"% '$ an$ p"p".

In ur stu%$ n$ =? # th" tta r"spn%"nts ha*" at "ast n!" us"% Int"rn"t Bankin&.

Th" t+ ptins +hi!h +"r" nt #a*r"% '$ an$ r"spn%"nts as th" st r"-u"nt Pint

# Int"ra!tin ar" D!op Bo@ *acilit: an% Doo! "tep Banking7

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17 O9%RALL "ATI"*ACTION L%9%L

V"r$ Satis#i"% S"+hat Satis#i"%N"ith"r Satis#i"% nr Dissatis#i"%S"+hat Dissatis#i"%V"r$ Dissatis#i"%?

4?

4

5?

5

7?

4@

5=

4?

? ?

O9%RALL "ATI"*ACTION L%9%L

 An$ s"r*i!" pr*i%"r +u% +ant th"ir !ust"rs t ha*" a hi&h O*"ra

Satis#a!tin "*". 1tak Mahin%ra Bank has s!r"% *"r$ +" in this r"&ar%.

Th" st iprtant thin& is that no !espondent 5as coplained t5at t5e: a!e

ove!all dissatis#ied Fit5 t5e =ank7 This is a *"r$ iprtant #in%in& '"!aus" this sh+s

th" "##rt 1tak Bank puts in pr*i%in& th"ir !ust"rs a sup"rir s"r*i!" has nt &n"

+ast".

Mr" than ha# # th" tta r"spn%"nts (5) sa$ that th"$ ar" s"+hat satis#i"% +ith

th" *"ra s"r*i!" # th" Bank. A'ut 7? # th" tta r"spn%"nts sa$ that th"$ ar" V"r$

Satis#i"% +ith th"ir O*"ra E9p"ri"n!" +ith th" Bank.H"n!" a'ut <5 # th"

R"spn%"nts ar" Satis#i"% +ith th"ir O*"ra E9p"ri"n!" +ith th" Bank.

Th" stu%$ is sh+in& a *"r$ &% O*"ra Satis#a!tin 2"*" '$ th" A!!unt h%"rs

>7 "ATI"*ACTION L%9%L 6ITH BANK "TA**

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V"r$ Satis#i"% S"+hat Satis#i"%N"ith"r Satis#i"% nr Dissatis#i"%S"+hat Dissatis#i"%V"r$ Dissatis#i"%?

4?

4

5?

5

4

57

4?

5

?

"ATI"*ACTION L%9%L 6ITH BANK "TA** Cou!tes:,uali#ied

Banks ar" institutins +hi!h ar" 'a!k"% up '$ a ar&" aunt # !apita t%a$6s

Banks ar" sp"n%in& a hu&" aunt # n"$ n t"!hn&$, ipr*""nt in

in#rastru!tur", "t!. But "*"n t%a$ th" st astin& ipa!t a'ut an$ Bank !"s #r

th" !ust"rs "9p"ri"n!" +ith th" Bank Sta##.

 An$ painin& "9p"ri"n!" !an ha*" a astin& ipa!t n th" in% # th" !ust"r, this

!an #r!" hi t !han&" Banks r "*"n %is!ura&" th"rs #r jinin& th" Bank. H"n!"

Banks shu% train th"ir "p$""s t aintain &% r"atins an% '" !p"rati*" +ith

th" !ust"rs.

r th" r"suts # th" #in%in&s +" !an s"" that 1tak Mahin%ra Bank has '""n

su!!"ss#u in arinatin& a hi&h "*" # !ust"r satis#a!tin +ith th" "p$""s. On$

1 # th" tta r"spn%"nts in!u%"% in th" stu%$ +"r" dissatis#ied7

Th" nu'"r # r"spn%"nts +h +"r" 9e!: "atis#ied r"pr"s"nt"% <. # th" tta

r"spn%"nts +hi" ths" +h +"r" S"+hat Satis#i"% +"r" @= # th" tta. Th"

r"spn%"nts +h +"r" Neit5e! "atis#ied no! Dissatis#ied ar" -. # th" tta.

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V"r$ Satis#i"% S"+hat Satis#i"%N"ith"r Satis#i"% nr Dissatis#i"%S"+hat Dissatis#i"%V"r$ Dissatis#i"%

?

4?

4

5?

5

4@

55

4?

@

?

"ATI"*ACTION L%9%L 6ITH BANKIN+ HO$R" /. a to ? p

7 "ATI"*ACTION L%9%L 6ITH BANKIN+ HO$R" /. a to ? p

r th" ana$sis # th" %ata that has '""n !"!t"% #r 1tak Mahin%ra Bank

 A!!unt h%"rs +" !an s"" that ajrit$ # th" r"spn%"nts ar" satis#i"% +ith th"

 A*"ra&" Bankin& Hurs.

Th" r"spn%"nts +h ar" S"+hat Satis#i"% +ith th" Bankin& Hurs !nsist # @@ # th" tta, +hi" 5< # th" tta r"spn%"nts stu%i"% sa$ that th"$ ar" V"r$

Satis#i"%. In a >5 # th" tta r"spn%"nts ar" satis#i"% +ith th" Bankin& Hurs # 1tak

Mahin%ra Bank.

Th" r"spn%"nts +h ar" n"ith"r Satis#i"% nr Dissatis#i"% !nsist # 5? # tta

nu'"r stu%i"%, +hi" < # th" r"spn%"nts ar" s"+hat %issatis#i"%.

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?7 TH% R%"$LT" O* A +%N%RAL "$R9% 6HICH 6A" COND$CT%D ON/.

DI**%R%NT BANK" I" A" *OLLO6"

BANK" "T$DI%D

?

4?

4

5?

5

5? 5?

4? 4? 4? 4? 4?

BANK" "T$DI%D

This stu%$ in**"% ain$ Banks p"ratin& in th" Pri*at" S"!tr, th"r" ar" s"Banks #r th" Pu'i! S"!tr 'ut th"s" ar" at a r"ati*"$ +"r prprtin.

Th" Pri*at" Bank in!u%" 'th In%ian an% r"i&n Banks, th" In%ian Banks

in!u%"% ICICI Bank, HDC Bank 8hi" th" r"i&n Banks apart #r 1tak Mahin%ra

Bank stu%i"% in!u%"% CITIBAN1, HSBC, ABN Ar.

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E##i!i"nt s"r*i!" =5Curt"us Sta## 5=

Nu'"r # ATM 45

MO"T IM(ORTANTANT $ALIT IN A BANK

r th" sur*"$ # r" than hun%r"% r"spn%"nts '"n&in& t %i##"r"nt Banks +" !an

t th" !n!usin that %##icient "e!vice o##e!ed =: Banks is conside!ed ost

ipo!tant  '$ a!!unt h%"rs , -  # th" r"spn%"nts #"t that th" Bank shu%

!n!"ntrat" r" n this s"r*i!" asp"!t.

Th" n"9t asp"!t +hi!h is !nsi%"r"% hi&h$ iprtant '$ th" A!!unt h%"rs # 

*arius Banks is th" "ta## o# t5e Bank. It is tru" that t%a$6s Bankin& #ar "ss # Bran!h

Bankin& as it +as th" !as" a #"+ $"ars a& , t%a$ A!!unt h%"rs ha*" a !nstant

int"ra!tin +ith nn:huan int"r#a!" ik" ATM a!hin"s , Int"rn"t Bankin& , Drp B9 ,

E*"n phn" Bankin& +h"n !ust"rs % nt int"ra!t in a #a!" t #a!" ann"r +ith th"

Bank "p$""s.

But in th" in%s # th" r"spn%"nts it is *"r$ iprtant that th" Sta## th" Bank "p$s

shu% '" !p"rati*", !urt"us an% -uai#i"% t s*" th" *arius pr'"s # th"

 A!!unt h%"rs

. Th" p"r!"nta&" # r"spn%"nts #a*rin& Sta## -uait$ as st iprtant +as 5= # th"

"ntir" sap" si/".

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Th" st #r"-u"nt pint # int"ra!tin +ith th" Bank is ATM #a!iit$, th" A!!unt

h%"rs +h"th"r in Pri*at";r"i&n s"!tr r th" G*"rn"nt s"!tr ha*" '""n pr*i%"%

+ith ATM #a!iit$ '$ th"ir r"sp"!ti*" Banks. T ju%&" th" p"r#ran!" "*" # an$ Bank

t%a$ it is !ru!ia that th" ATM s"r*i!" # th" Bank '" stu%i"%, this in!u%"s nt n$ th"

nu'"r # ATM a!hin"s insta"% '$ th" Bank , 'ut as h+ t"!hn&i!a$ a%*an!"%

th" a!hin"s ar" (nu'"r # transa!tin that !an '" %n" +ith th" ATM a!iit$), th"

"##rt Bank un%"rtak"s t aintain th" a!hin"s an% as th" *"ra "9p"ri"n!" # th"

 A!!unt h%"r +ith th" s"r*i!".

Th" p"r!"nta&" # r"spn%"nt !nsi%"rin& th" ATM se!vice as ost ipo!tant Fe!e

/- o# t5e total saple si;e7

But #r th" r"spn%"nts +h +"r" -u"stin"% none o# t5e said t5at t5e

Dco!A=ience o# t5e Bank B!anc5 Fas ost ipo!tant7 On #urth"r u"stinin& it

+as r"*"a"% that th"$ %i% +ant +":aintain"% Bran!h"s;Oth"r Bank Int"ra!tin pints

'ut this +as nt th" st iprtant asp"!t.

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E7 (RI9AT% BANK" (RO9ID% "$(%RIOR "%R9IC%" COM(AR%D TO

+O9%RNM%NT BANK"

P"sJ >BM

N J 54M

(RI9AT% BANK" (RO9ID% "$(%RIOR "%R9IC%" A" COM(AR%D TO +O9%RNM%NT BANK"

Th" &"n"ra p"r!"ptin is that th" s"r*i!" -uait$ # Pri*at" Banks is sup"rir t

that ##"r"% '$ G*"rn"nt s"!tr Banks +" +ant"% t stu%$ +h"th"r this is a tru"

ph"n"nn r +h"th"r this +as just h"arsa$.

Th" st iprtant #in%in&s +u% !" #r th" &rup # r"spn%"nts +h h%

Sa*in& A!!unts +ith 'th Pri*at" an% G*"rn"nt run Banks, as th"s" p"p" +u% '"

in th" '"st psitin t ju%&" th" s"r*i!" ##"r"% '$ th" Banks.

 A!!r%in& t this &rup # r"spn%"nts th" Ran&" # Pr%u!ts that ar" ##"r"% '$

Pri*at" s"!tr Banks ar" u!h r" %i*"rs" than ths" ##"r"% '$ G*"rn"nt Banks.

 As th"s" r"spn%"nts #"t that th" Banks in th" Pri*at" s"!tr +"r" u!h r" #"9i'"

than th"ir G*"rn"nt !unt"rparts +h"n %"ain& +ith !ust"rs +"r" !n!"rn"%.

Pri*at" s"!tr Banks ar" u!h r" pra!ti*" +h"n it !"s t ##"rin& it6s !ust"rs

n"+:a&" "th%s # Bankin& ik" ATM a!iit$ , Int"rn"t Bankin& , Phn" Bankin&, Th"s"

s"r*i!"s ak" th" i#" # A!!unt h%"rs u!h "asi"r.

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 Anth"r ajr %i##"r"n!" that !"s t st # th" r"spn%"nts in%s +h"n

!parin& th" Pri*at" an% G*"rn"nt s"!tr Banks is th" Sta## Attitu%" t+ar%s th"

!ust"rs. Sur" Pri*at" s"!tr Bank A!!unt h%"rs ha*" ha% pr'"s %"ain& +ith

Bank Sta##, 'ut th"$ sti #"" it is u!h '"tt"r than h+ G*"rn"nt "p$""s '"ha*".

Th"s" G*"rn"nt "p$""s sh+ as i# th"$ ar" %in& a #a*rin& n th" !ust"r 

+h"n th"$ % th"ir j'.

Pri*at" s"!tr Bank !ust"rs ar" ##"r"% an$ #r""'i"s an% in!"nti*"s t r"ain +ith

th" Bank, r tr$ n"+ pr%u!ts # th" Bank. This is n"*"r th" !as" +ith G*"rn"nt

Banks.

O*"ra th" r"sut # this -u"stin *"r$ !"ar$ stat"s that p"p" !nsi%"r th"

s"r*i!" "*" # Pri*at" Banks u!h hi&h"r than G*"rn"nt Banks as > # th"

r"spn%"nts a&r"" an% n$ 54 # th" r"spn%"nts %isa&r"".

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"6OT ANAL"I"

"t!engt5

4. A&&r"ssin t+ar%s %"*"p"nt th" "9istin& stan%ar%s '$ 'anks.

5. Strn& r"&uatr$ ipa!t '$ !"ntra Bank t a th" 'anks.

7. Pr"s"n!" # int""!tua !apita t #a!" th" !han&" in ip""ntatin +ith &%

-uait$.

@. Entir" ran&" # pr%u!ts #r !rprat" an% r"tai !ust"rs.

. Mark"t s"&"ntatin an% pr%u!ts #r ni!h" s"&"nt.

=. Si&ni#i!ant pr"s"n!" in Cr"%it !ar%s, Insuran!", Mutua #un%s, In*"st"nt

'ankin&, P"rsna ans an% SME s"!tr.

>. G% Bankin& in#rastru!tur"

<. Int"rnatina Pr"s"n!"

. Hu&" aunt # %"psits

4?.IT "nri!h"nt

44. !ust"r satis#a!tin

45.!ntinuus pr#it an% &r+th !hart

/<7 Inn*atin in st # pr%u!ts

6eakness

4. Pr T"!hn&$ in#rastru!tur"

5. In"##"!ti*" risk "asur"s

7. Pr"s"n!" # r" nu'"r # sa"r 'anks that +u% ik"$ t '" Ipa!t"%

a%*"rs"$

@. Data, s"ti"s nt supp""nt"% +ith %"tais n th" !pan$6s histr$, k"$

"9"!uti*"s, 'usin"ss %"s!riptin, !atins an% su'si%iari"s as +" as a ist #

pr%u!ts an% s"r*i!"s an% th" at"st a*aia'" !pan$ stat""nt.

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Oppo!tunities

4. In!r"asin& Risk ana&""nt E9p"rtis".

5. N""% si&ni#i!ant Cnn"!tin an&, 'usin"ss Cr"%it 3 risk ana&""nt an%

In#ratin T"!hn&$.

7. A%*an!""nt # t"!hn&i"s. Strn& Ass"t Bas" +u% h"p in 'i&&"r &r+th.

@. 8h"n I *isit"% t th" ark"t th"n I sa+ th"r" is st # th" !ust"rs !urr"nt

a!!unt in th" 'ank an% s" ar" usin& EDC a!hin" as 'ut th"r" is ar&"

nu'"r # shpk""p"r ha*" nt this #a!iit$, s it ha*" t ak" a+ar" in th"s"

shpk""p"r a'ut EDC a!hin".

. Ipr*""nt in th" "!ni! !n%itins.=. In!r"asin& pur!hasin& p+"r # ar&" nu'"r # i%%" !ass.

>. In%ia6s statur" as "a%in& IT p+"r.

<. R"tai #inan!" an% insuran!" s"!tr.

7 2+ p"n"tratin # !r"%it !ar%s.

T5!eats

4. Ina'iit$ t ""t th" a%%itina Capita R"-uir""nts

5. ss # Capita t th" "ntir" 'ankin& s$st" %u" t "r&"r an% a!-uisitins

7. Hu&" in*"st"nts in T"!hn&i"s.

@. As +" kn+ that ICICI Bank is "a%in& !pan$ in th" ark"t an% MAHINDRA

1OTA1 Bank is !p"titr # it, s th"r" is *"r$ a&&r"ssi*" !p"tin '"t+""n

th"s" t+ !pan$ s th"r" 'th !pan$6s a+a$s +at!hin& th"ir strat"&$,

!pan$ shar" an% this 'th !pan$ +ant"% t !*"r r" an% r" ark"t s

a!!r%in& t " is a 'ur%"n #r th" !pan$.. Cp"titin #r th"r 'anks

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?7 Th" Bank +ants it6s !ust"rs t transa!t r" thru&h Int"rn"t Bankin& an% ATM,

Rath"r than th" !ust"rs usin& th" 'ran!h.

E7 Th" D"'it Car%s pr*i%"% '$ th" Bank ar" Int"rnatina$ A!!"pt"% arun% th" +r%,

h"n!" &i*in& th" !ust"rs th" !n*"ni"n!" t transa!t an$ti", an$+h"r".

7 Th" Bank has ti"% up +ith th"r Banks s that it6s !ust"rs !an us" th"r Bank6s ATM

#a!iit$ #r #r"" transa!tins

/.7 Th" Bank as pr*i%"s DEMAT a!!unt an% as s"s Mutua un%s, this pr*i%"s

th" Bank an% G*"rn"nt a%%itina r"*"nu".

//7 Th" Bank has '""n *"r$ su!!"ss#u in "nar&in& its !ust"r 'as" %urin& th" ast

!up" # $"ars.

/-7 Th" Nu'"r On" R"asn # p"p" !hsin& 1tak Mahin%ra Bank is th" Bran%

Na";R"putatin # th" Bank. H"n!" it shu% '" !ar"#u that th" Bran% na" an%

G%+i th" Bank has "arn"% is nt %iut"%.

/<7  Th" Bi&&"st !p"titrs # th" Bank ar" ICICI Bank an% HDC Bank an%

STANDRAD CHARTERED.

/17  ATM a!iit$ is st ppuar +a$ t transa!t +ith th" Bank.

/>7 O*"ra th" !ust"rs appr"!iat" th" s"r*i!" an% pr%u!ts ##"r"% '$ th" Bank an%

ar" +iin& t r"!"n% th" Bank t th"ir a!-uaintan!"s , But r" att"ntin has t

pai% t+ar%s0

• In!r"asin& th" nu'"r # ATM a!hin"s.

• Ipr*in& Int"rn"t Bankin& a!iit$.

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R%COMM%NDATION & "$++%"TION"

/7 In!r"asin& th" nu'"r # ATM a!hin"s.

-7 Ipr*in& Int"rn"t Bankin& a!iit$.

<7 Transa!tin !arri"% ut un%"r th" s"r*i!" in &% #aith r"$in& n !ust"r instru!tin.

17  R"*" an$ !p$ri&ht tra%"ark r th"r prpri"tar$ ri&ht nti!" !ntain"% in n"t!ar%

*"ri#i"% '$ *isa.

>7 Bank shu% '" p"n Sun%a$ an% hi%a$s #r s" hurs.

7 D"an% %ra#t #a!iit$ shu% '" a*aia'" n int"rn"t 'ankin&.

?7 Th" !ust"r shu% !han&" his aiin& a%%r"ss '$ int"rn"t 'ankin&.

E7 Ch"-u" 'k shu% '" issu"% '$ th" 'ank #r a t$p" # a!!unt at +ithut !har&"s.

7 Int"r"st pa$a'" n th" sa*in& an% t"r %"psit a!!unt shu% '" in!r"as" at th" "n% # 

th" #inan!ia $"ar.

/.7Dai$ iniu;a9iu transa!tin iit shu% '" 'as"% n !ust"r a!!unt

'aan!".

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A((%NDI)

$%"TIONNAIR%

NAM%  \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ 

ADDR%"" \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ 

A+%

B"+ 5 $"ars 5 t @? @? t A'*" $"ars

OCC$(ATION

Busin"ss Pr#"ssina S"r*i!" Stu%"nt Oth"rs

ANN$AL INCOM%

2"ss than 4. 2akh 4. 2akh t 7 2akh 7 2akh t @. 2akh

a'*" 2akh

/7 D$RATION 6ITH BANK

-7 R%A"ON *OR CHOO"IN+ BANK

. MO"T *R%$%NT (OINT O* INT%RACTION6ITH TH% BANK

17 O9%RALL "ATI"*ACTION L%9%L

>7 "ATI"*ACTION L%9%L 6ITH BANK "TA**

SATISACTION 2EVE2 8ITH BAN1ING HORS

/. "ATI"*ACTION L%9%L 6ITH BANKIN+ HO$R" /. a to ? p

BAN1S STDIED

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?7 TH% R%"$LT" O* A +%N%RAL "$R9% 6HICH 6A" COND$CT%D ON/.

DI**%R%NT BANK" I" A" *OLLO6"

D[!r # Bank ? E##i!i"nt s"r*i!" =5

 ATM 45

Curt"us Sta## 5=

0. (RI9AT% BANK" (RO9ID% "$(%RIOR "%R9IC%" COM(AR%D TO

+O9%RNM%NT BANK" "s

N

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BIBLIO+RA(H

Th"r" +as i"ns" n""% an% #+ # th" in#ratin +hi" !n%u!tin& th" ana$sis

as +" as +hi" +ritin& th" th"sis r"prt, +hi!h +as &ath"r"% thru&h *arius sur!"s"ntin"% '"+0

7 9a!ious Maga;ines and NeFspape!s suc5 as

Outk

inan!ia Ti"s

Th" E!ni! Ti"s

Th" Ti"s # In%ia

Th" Hin%ustan Ti"s

?7 Ot5e! Re#e!ences

u"stinnair"s, Jurnas, Bra!h"rs an% *arius th"r %!u"nts &ath"r"% an%

!"!t"% #r 'ank an% *arius th"r sur!"s su!h as ATM !"nt"rs an% ass!iat"s.

E7 Inte!net

+++. 1tak Mahin%ra Bank. !

+++. 1tak Mahin%ra Bank.!.in

+++.&&".!

+++."!ni!ti"s.!