Deposit schemes

DEPOSIT SCHEMES
(COVERED BY SBI AND
ICICI BANK)

DECLARATION
I, Miss. ANUSHA. SHETTY, Student of T.Y.BCOM (Banking &
Insurance), Semester Vth, Shri Chinai College of Commerce & Economics.
I, hereby, declare that I have successfully completed this project on
“DEPOSIT SCHEMES (covered by SBI & ICICI Bank)” in the academic
year 2007-2008. The information submitted is true and original to the best of
my knowledge.
Signature of the student
(Anusha. Shetty)
CERTIFICATE
I, Professor. VAISHALI KUREHKAR, hereby certify that Miss. ANUSHA.
SHETTY of T.Y.BCOM (Banking & Insurance), Semester Vth Shri Chinai
College of Commerce & Economics, has completed project on “DEPOSIT
SCHEMES (covered by SBI & ICICI Bank)” in the academic year 2007-
2008. The information submitted is true and original to the best of my
knowledge.
Signature of Project guide
(Prof. Vaishali. Kurehkar)

ACKNOWLEDGEMENT
Entrance, Hard work, Gradual Progress and an exciting year that it is
how I have reached this level and now as I stand at the threshold of the aside
world. I take a look of the past year which I have spent in this college, my
performance with the devotion of the profession has been with me for over 3
years which I will never forget.
First and foremost I would like to thank the University of Mumbai for
providing me with this project in this curriculum.
I am grateful and would like to thank my project guide, Prof.
Vaishali. Kurhekar for having helped me day in and day out for not only
providing me with information but also being very supportive.
It would rather be unfair on my part for not thanking all my
Professors who have helped me specially our co-ordinator Prof.Nishikant.
Jha and also to our Principal Mrs. Malini. Johari, for always keeping faith in
us.
I would like to thank Vijay. Anand, who is Assistant Manager of
ICICI Bank for providing me with all required information. I would also like
to thank our Librarian and not to forget my Parents and my colleagues who
have helped me at some stage or the other.
My acknowledgement would be incomplete without me thanking
my college Shri Chinai College of Commerce and Economics for having
shown their continuous faith in me.

So this goes to all those who have knowingly or unknowingly been
a great support for me to accomplish this piece of work.
EXECUTIVE SUMMARY
Deposit means save today, for tomorrow. So, deposit schemes are the main
sources of banks. In fact, deposits account for most of the "money supply” in
use today.Through deposit schemes you can save a little every month to
build up the desired corpus to meet your future requirement of funds. The
depositors and their interests form the key area of the regulatory framework
for banking in India and this has been enshrined in the Banking Regulation
Act, 1949. One of the most important functions of the bank is to accept
deposits from the public for the purpose of lending. In fact, depositors are
the major stakeholders of the banking system. As far as the chosen banks are
concerned, SBI is the largest bank in India and ICICI is India’s largest bank
in the private sector. Also, in addition to this, these banks are very reliable
and public are known more about this banks.
OBJECTIVES
Deposit schemes are the main source of banks. They offer several facilities
& opportunities and also promotes saving. The main objective is to promote
comprehensive and updated information, guidance and assistance on all
areas of deposit schemes in India.
RESEARCH METHODOLODY
The research methodology is data collection through
Primary Sources
Secondary Sources
Primary Sources: Survey by distributing questionnaire to the people taking
sample size of 100. Interviews conducted with bankers.
Secondary Sources: Data collection through books, magazines. websites,
journals, etc.
EXPECTED CONTRIBUTION FROM THE STUDY
Expectations from the study are that it will navigate through all the aspects
of the deposits schemes in India. It will discuss upon the matters with the
significance of deposit schemes to the legalities involved in it. It will also

make people aware about the various deposit schemes available in the Indian
banking industry and its various procedures and formalities.
TABLE OF CONTENTS
SR.NO TOPIC
1 INTRODUCTION
2 GUIDELINES OF RBI
3 VARIOUS KINDS OF DEPOSITS
4 HISTORY OF STATE BANK OF INDIA
5 VARIOUS DEPOSIT SCHEMES PROVIDED BY SBI
 SAVING BANK ACCOUNT
 CURRENT ACCOUNT
 BASIC BANKING ‘NO FRILL ACCOUNT’
 TERM DEPOSITS
 RECURRING DEPOSITS
6 HISTORY OF ICICI
7 VARIOUS DEPOSIT SCHEMES PROVIDED BY
ICICI BANK
 SAVING ACCOUNT
 FIXED DEPOSITS
 RECURRING DEPOSITS
 CURRENT ACCOUNT
 SALARY ACCOUNT
8 SURVEY ON DEPOSIT SCHEMES
9 ANALYSIS OF THE SURVEY CONDUCTED
10 CONCLUSION
11 ANNEXURE
12 BIBLIOGRAPHY

DEPOSIT SCHEMES
INTRODUCTION
A deposit scheme is an account at a banking institution that allows money to
be held on behalf of the account holder. Some banks charge a fee for this
service, while others may pay the client interest on the funds deposited. The
account holder retains rights to their deposit, although restrictions placed on
access depend upon the terms and conditions of the account and the
provider. The banking terms "deposit" and "withdrawal" actually tend to
obscure the economic substance and legal essence of transactions in a
deposit account. From a legal and financial accounting standpoint -- and as
counter-intuitive as it may seem -- the term deposit is actually used by the
banking industry in financial statements to describe the liability owed by the
bank to its depositor, and not the funds (whether cash or cheques)
themselves, which are shown an asset of the bank
Typically, an account provider will not hold the entire sum in reserve, but
will loan the money out at interest to other clients, in a process known as
fractional-reserve banking. It is this process it allows providers to pay out
interest on deposits. By transferring the ownership of deposits from one
party to another, they can replace physical cash as a method of payment.
In fact, deposits account for most of the "money supply in use today. From
an economic standpoint, the bank has essentially created "economic money".
There are various ways in which bank deposits arise. Customers may deposit

actual cash or they may deposit rights to receive cash; these rights to receive
cash may be in the form of a cheque, a bill, a promissory note owing to
them, etc. deposits may also arise out of loans granted by the bank or
through the process of discounting customer’s bills. In this case, they are
known as created deposits. In actual practice, the amount of such deposits is
much larger than that of the deposits received in hard cash or in the form of
rights to receive cash. Typically, an account provider will not hold the entire
sum in reserve, but will loan the money out at interest to other client and it is
the process which allows providers to pay out interest on deposits. So it is
said “Loans are the children of deposits and deposits are the children of
loans”.

DIFFERENT TYPES OF DEPOSIT ACCOUNTS
DEMAND DEPOSIT
CURRENT ACCOUNT DEPOSIT: Current account or cheque account is
a deposit account held at a bank or other financial institution, for the purpose
of securely and quickly providing frequent access to funds on demand,
through a variety of different channels. Because money is available on
demand these accounts are also referred to as demand accounts or demand
deposit accounts.
Current account is the name given to a transactional account in the UK and
countries with a UK banking heritage offering various flexible payment
methods to allow customers to distribute money directly to others. Most
current accounts have a cheque book and offer the facility to arrange
standing orders, direct debits and payment via a debit card. Current accounts
may also allow borrowing via an overdraft facility. Current account
providers include banks, building societies and credit unions.
FEATURES AND ACCESS
All transactional accounts offer itemized lists of all financial transactions,
either through a bank statement or a passbook. A transactional account
allows the account holder to make or receive payments by:
Cash money (banknotes)
Cheque and money order (paper promise to pay)
Direct debit (pre-authorized debit)

Standing order (automatic funds transfer)
ATM card or debit card (cashless direct payment at a store or merchant)
SWIFT - International account to account transfer.
SAVINGS DEPOSIT: Savings accounts are accounts maintained by
commercial banks, savings and loan associations, credit unions, and mutual
savings banks that pay interest but can not be used directly as money. These
accounts let customers set aside a portion of their liquid assets that could be
used to make purchases while earning a monetary return.
FEATURES
Obtaining funds held in a savings account may not be as convenient as from
a demand account. For example, one may need to visit an ATM or bank
branch, instead of writing a cheque or using a debit card. However, this
transference is easy enough that savings accounts are often termed near
money.
Some savings accounts require funds to be kept on deposit for a minimum
length of time, but most permit unlimited access to funds. True savings
accounts do not offer cheque-writing privileges, although many institutions
will call their higher-interest demand accounts or money market accounts
"savings accounts."
All savings accounts offer itemized lists of all financial transactions,
traditionally through a passbook, but also through a bank statement.

TIME DEPOSIT
FIXED DEPOSITS: A time deposit (also known as a term deposit,
particularly in Canada, Australia and New Zealand is a money deposit at a
banking institution that cannot be withdrawn for a certain "term" or period
of time. When the term is over it can be withdrawn or it can be held for
another term. Generally speaking, the longer the term the better the yield on
the money. A certificate of deposit is a time-deposit product.
RECURRING DEPOSITS: The term recurring deposit means the
customer means the customer can open an account and deposit a certain sum
of money every month. After a certain period of time, say 1 years, or 3 years
and 5 years, the accumulated amount amount along with interest is paid to
the customer. It is helpful to the middle and poor sections of the people. The
interest paid on such deposits is on cumulative basis.
OTHER TERMS USED IN BANKING
BRANCH BANKING
This refers to the practice of maintaining physical locations where customers
can receive a wide array of banking and financial services, such locations are
described as branches. They may provide access to a combination of cash
machines, telephone banking, counter services and financial advice
CASH MACHINES

Cash machines are electronic devices that allow bank customers to make
cash withdrawals and check their account balances without the need for a
human teller. Many also allow people to deposit cash or cheques, transfer
money between their bank accounts, top up their mobile phones' pre-paid
accounts or even buy postage stamps.
INTERNET BANKING
Internet or Online banking describes the use of a bank's secure website to
view balances and statements, perform transactions and payments, and
various other facilities. This can be very useful, especially for banking
outside bank hours and banking from anywhere where internet access is
available. Since the internet revolution most retail banking institutions offer
access to current accounts via online banking.
TELEPHONE BANKING
Telephone banking is the term applied to specific provision of banking
services over the telephone. In many cases such calls are to a call centre or
automated service, although some institutions continue to answer such calls
in their branches. Often call centre opening times are considerably longer
than branches, and some firms provide these services on a 24 hour basis.
OVERDRAFTS
An overdraft occurs when withdrawals from a bank account exceed the
available balance. This gives the account a negative balance and in effect
means the account provider is providing credit. If there is a prior agreement
with the account provider for an overdraft facility, and the amount
overdrawn is within this authorized overdraft, then interest is normally
charged at the agreed rate. If the balance exceeds the agreed facility then
fees may be charged and a higher interest rate might apply.

GUIDELINES OF RESERVE BANK OF INDIA
One of the important functions of the Bank is to accept deposits for the
purpose of lending. In fact, depositors are the major stakeholders of the
Banking System. With liberalization in the financial system and deregulation
of interest rates, banks are now free to formulate deposit products within the
broad guidelines issued by RBI:
Guidelines on "Know Your Customer" norms and "Cash
transactions":
1. As part of ‘Know Your Customer’ (KYC) principle, RBI has issued
several guidelines relating to identification of depositors and advised the
banks to put in place systems and procedures to help control financial
frauds, identify money laundering and suspicious activities, and for
scrutiny/monitoring of large value cash transactions. Instructions have also
been issued by the RBI from time to time advising banks to be vigilant while
opening accounts for new customers to prevent misuse of the banking
system for perpetration of frauds. A gist of the past circulars issued on the
subjects under reference is listed in the Annexure. Taking into account
recent developments, both domestic and international, it has been decided to
reiterate and consolidate the extant instructions on KYC norms and cash
transactions. The following guidelines reinforce our earlier instructions on
the subject with a view to safeguarding banks from being unwittingly used
for the transfer or deposit of funds derived from criminal activity (both in
respect of deposit and borrowal accounts), or for financing of terrorism. The
guidelines are also applicable to foreign currency accounts/transactions.

2. "Know Your Customer" (KYC) guidelines for New accounts
The following KYC guidelines will be applicable to all new accounts with
immediate effect.
2.1 KYC Policy
(i) "Know Your Customer" (KYC) procedure should be the key principle for
identification of an individual/corporate opening an account. The customer
identification should entail verification through an introductory reference
from an existing account holder/a person known to the bank or on the basis
of documents provided by the customer.
(ii) The Board of Directors of the banks should have in place adequate
policies that establish procedures to verify the bonafide identification of
individual/corporate opening an account. The Board should also have in
place policies that establish processes and procedures to monitor
transactions of suspicious nature in accounts and have systems of conducting
due diligence and reporting of such transactions.
2.2 Customer identification
(i) The objectives of the KYC framework should be two fold, (i) to ensure
appropriate customer identification and (ii) to monitor transactions of a
suspicious nature. Banks should obtain all information necessary to establish
the identity/legal existence of each new customer, based preferably on
disclosures by customers themselves. Typically easy means of establishing
identity would be documents such as passport, driving license etc. However
where such documents are not available, verification by existing account
holders or introduction by a person known to the bank may suffice. It should

be ensured that the procedure adopted does not lead to denial of access to the
general public for banking services.
3. "Know Your Customer" procedures for existing customers
Banks are expected to have adopted due diligence and appropriate KYC
norms at the time of opening of accounts in respect of existing customers in
terms of our extant instructions referred to in the Annexure. However, in
case of any omission, the requisite KYC procedures for customer
identification should be got completed at the earliest.
4. Ceiling and monitoring of cash transactions
The extent RBI guidelines on the subject are as under:
(i) Banks are required to issue travellers cheques, demand drafts, mail
transfers, and telegraphic transfers for Rs.50,000 and above only by debit to
customers’ accounts or against cheques and not against cash. Further, the
applicants (whether customers or not) for the above transactions for amount
exceeding Rs.10, 000 should affix permanent (Income tax) account number
on the applications. Since KYC is now expected to establish the identity of
the customer and as the issue of demand draft etc. for Rs.50,000 and above
is by debit to account, the requirement for furnishing PAN stands increased
uniformly to Rs.50,000/-.
(ii) The banks are required to keep a close watch of cash withdrawals and
deposits for Rs.10 lakhs and above in deposit, cash credit or overdraft
accounts and keep record of details of these large cash transactions in a
separate register.
(iii) Branches of banks are required to report all cash deposits and
withdrawals of Rs.10 lakhs and above as well as transactions of suspicious

nature with full details in fortnightly statements to their controlling offices.
Besides, controlling offices are also required to appraise their Head offices
regarding transactions of suspicious nature. Early computerization of branch
reporting will facilitate prompt generation of such reports.
5. Risk management and monitoring procedures
In order to check possible abuse of banking channels for illegal and anti-
national activities, the Board should clearly lay down a policy for adherence
to the above requirements comprising the following:
5.1 Internal Control Systems
Duties and responsibilities should be explicitly allocated for ensuring that
policies and procedures are managed effectively and that there is full
commitment and compliance to an effective KYC programmed in respect of
both existing and prospective deposit accounts. Controlling offices of banks
should periodically monitor strict adherence to the laid down policies and
procedures by the officials at the branch level.
5.2 Terrorism Finance
RBI has been circulating lists of terrorist entities notified by the Government
of India to banks so that banks may exercise caution if any transaction is
detected with such entities. There should be a system at the branch level to
ensure that such lists are consulted in order to determine whether a
person/organization involved in a prospective or existing business
relationship appears on such a list. The authority to whom banks may report
accounts suspected to belong to terrorist entities will be advised in
consultation with Government.
5.3 Internal Audit / Inspection

(i) An independent evaluation of the controls for identifying high value
transactions should be carried out on a regular basis by the internal audit
function in the banks.
(ii) Concurrent/internal auditors must specifically scrutinize and comment
on the effectiveness of the measures taken by branches in adoption of KYC
norms and steps towards prevention of money laundering.
5.4 Identification and Reporting of Suspicious Transactions
Banks should ensure that the branches and controlling offices report
transactions of suspicious nature to the appropriate law enforcement
authorities designated under the relevant laws governing such activities.
There should be well laid down systems for freezing of accounts as directed
by such authority and reporting thereof to the controlling office and head
office. Being matters of sensitive nature, there must be a quarterly reporting
of such aspects to the audit committee of the board or the board of directors.
5.5 Adherence to Foreign Contribution Regulation Act (FCRA), 1976
(i) Banks should also adhere to the instructions on the provisions of the
Foreign Contribution Regulation Act, 1976 cautioning them to open
accounts or collect cheques only in favour of association which are
registered under the Act ibid by Government of India. A certificate to the
effect that the association is registered with the Government of India should
be obtained from the concerned associations at the time of opening of the
account or collection of cheques.
(ii) Branches of the banks should be advised to exercise due care to ensure
compliance and desist from opening accounts in the name of banned
organizations and those without requisite registration.
6. Record Keeping

Financial intermediaries should prepare and maintain documentation on their
customer relationships and transactions to meet the requirements of relevant
laws and regulations, to enable any transaction effected through them to be
reconstructed. In the case of wire transfer transactions, the records of
electronic payments and messages must be treated in the same way as other
records in support of entries in the account. All financial transactions records
should be retained for at least five years after the transaction has taken place
and should be available for perusal and scrutiny of audit functionaries as
well as regulators as and when required.
7. Training of staff and management
It is crucial that all the operating and management staff fully understand the
need for strict adherence to KYC norms. All institutions must, therefore,
have an ongoing training programme so that staffs are adequately trained for
their roles and responsibilities as appropriate to their hierarchical level in
complying with anti-money laundering guidelines and for implementing
KYC policies consistently.
8. These guidelines are issued under Section 35 (A) of the Banking
Regulation Act, 1949 and any contravention of the same will attract
penalties under the relevant provisions of the Act. Banks are advised to
bring the guidelines to the notice of their branches and controlling offices.
9. The steps initiated in compliance with the various guidelines contained in
the circular may be advised to The Chief General Manager, Anti Money
Laundering Cell, Department of Banking Operations & Development,
Reserve Bank of India, Central Office, Centre 1, World Trade Centre, Cuffe

Parade, Mumbai 400 005 within a month from the date of receipt of this
circular. The implementation of the instructions contained in the circular
will be reviewed by RBI in a meeting with bankers after a period of six
months and issuance of a Master Circular will be considered thereafter.
10. Please acknowledge receipt.

DEPOSITORS' RIGHTS
Deposits being the basic financial raw materials, depositors form the core for
banking business. There is now an awakening on depositors' rights, rightly
so, in the banks, as it is fulfillment of such rights which can enable an
effective resource management mechanism in Banks. Further, the depositor,
being a consumer of various products and services offered by the Bank, is
entitled to the following rights:
• RIGHT TO INFORMATION
A depositor will have right to information about price, quality, quantity and
standard of the products/services offered by the Bank to enable him / her to
take an independent decision.
• RIGHT TO CHOOSE
A depositor will have the absolute freedom to choose among the various
products and services offered by the Bank to suit his / her requirements.
• RIGHT TO AVAIL/UTILISE THE PRODUCTS AND SERVICES
A depositor will have the right to avail/utilize the products/services chosen
by him / her without any intervention / obstacle.
• RIGHT TO BE HEARD AND REDRESSAL OF GRIEVANCES
A depositor will have the right to be heard and seek redressal against
deficient service / poor quality of products and services, unfair Trade
practices and unscrupulous exploitation. This includes his/ her right to fair
redressal of any genuine grievance relating to products / services which he
/she has chosen to utilize.

STATE BANK OF INDIA (SBI)
HISTORY OF SBI ( STATE BANK OF INDIA)
State Bank of India (SBI) is India's largest commercial bank. SBI has a vast
domestic network of over 9000 branches (approximately 14% of all bank
branches) and commands one-fifth of deposits and loans of all scheduled
commercial banks in India. The State Bank Group includes a network of
eight banking subsidiaries and several non-banking subsidiaries offering
merchant banking services, fund management, factoring services, primary
dealership in government securities, credit cards and insurance.
The eight banking subsidiaries are:
1-State Bank of Bikaner and Jaipur (SBBJ)
2-State Bank of Hyderabad (SBH)
3-State Bank of India (SBI)
4-State Bank of Indore (SBIR)
5-State Bank of Mysore (SBM)
6-State Bank of Patiala (SBP)
7-State Bank of Saurashtra (SBS)
8-State Bank of Travancore (SBT)
The origins of State Bank of India date back to 1806 when the Bank of

Calcutta (later called the Bank of Bengal) was established. In 1921, the Bank
of Bengal and two other Presidency banks (Bank of Madras and Bank of
Bombay) were amalgamated to form the Imperial Bank of India. In 1955,
the controlling interest in the Imperial Bank of India was acquired by the
Reserve Bank of India and the State Bank of India (SBI) came into existence
by an act of Parliament as successor to the Imperial Bank of India.
SBI TODAY
Today, State Bank of India (SBI) has spread its arms around the world and
has a network of branches spanning all time zones. SBI's International
Banking Group delivers the full range of cross-border finance solutions
through its four wings - the Domestic division, the Foreign Offices division,
the Foreign Department and the International Services division.

STATE BANK OF INDIA.
DEPOSIT SCHEMES
Whatever your needs - an investment of your surplus funds or to create a
fund for your children’s' education and marriage. You will find a product
from SBI that suits your requirement, delivered at a branch close to you.
Open an account with any of SBI branches, all of them are fully
computerised, and realise the advantage of our vast network.
Want to build up savings slowly? Discover Recurring Deposit Account. You
can save a little every month to build up the desired corpus to meet your
future requirement of funds.
SBI products are designed with flexibility to suit your personal
requirements. Enjoy 24 hour banking facility through our Internet Banking,
widest network of ATMs.

SOME OF THE MOST POPULAR DEPOSIT SCHEMES PROVIDED BY
SBI ARE:
SAVINGS BANK ACCOUNT
Our Savings Bank Account helps you to plan and save for your future
financial requirements. Your savings remain liquid, safe and earn moderate
interest.
BENEFITS
CARD CONVENIENCE
Get your Free ATM cum Debit Card and have access to the widest network
of ATMs across the country to withdraw cash, enquire about your balance,
etc. Moreover, your card enables you to shop at a large number of Merchant
Establishments in India. You can also avail yourself of our International
ATM-cum-Debit Card, which can be used within as well as outside India, at
a nominal fee.
EASY AND WIDE ACCESSIBILITY
Transact at your convenience, saving time and cost through Banking. You
can also withdraw cash from Maestro endorsed ATMs of other banks under
bilateral sharing, at a nominal fee.
MONITORING YOUR ACCOUNT

Monitor and control your funds through SBI Internet Banking or/ and
through Passbook/ statement of account facility.
Alternatively, access your account by downloading Instants on your
computer.
MODERATE EARNING
Our Savings Bank Account earns you an interest at the rate of 3.5% p.a.,
compounded half yearly.
MONEY MULTIPLIERS
Earn Interest at Term Deposit rates through Savings Plus Account.
Link your Savings Bank Account to your Multi Option Deposit (MOD)
Account to earn additional interest on your surplus money and get the
facility of automatic unitised break up of MOD in case there is a shortfall in
your SB account to honour the cheque drawn by you.
VALUE ADDED FEATURES
Transfer of accounts between our wide network of branches without any
charge.
Nomination facility – Available
25 cheque leaves free, in a year
Minimum balance requirements and charges per quarter for violation
of the stipulations, as mentioned in brackets there against - centre wise:-

Centres Cheque
operated
account
Ordinary
account
Metro/Urban/
Semi-Urban
Rs.1000
(Rs.300)
Rs. 500
(Rs.300)
Rural Rs.500
(Rs.150)
Rs. 250
(Rs.150)

CURRENT ACCOUNT
BENEFITS:
CARD CONVENIENCE
Get your Free ATM cum Debit Card and have access to the widest network
of ATMs across the country to withdraw cash, enquire about your balance,
etc. Moreover, your card enables you to shop at a large number of Merchant
Establishments in India. You can also avail yourself of our International
ATM-cum-Debit Card which can be used within as well as outside India, at
a nominal fee.
EASY AND WIDE ACCESSIBILITY
Transact at your convenience, saving time and cost through SBI Internet
Banking.
You can also withdraw cash from Maestro endorsed ATMs of other banks
under bilateral sharing, at a nominal fee.
MONITORING YOUR ACCOUNT
Monitor and control your funds through SBI Internet Banking or/ and
through Passbook/ statement of account facility.
Alternatively, access your account by downloading InstantSBI on your
computer.

TRANSACTION EASE
Unlimited number of payments
Make payments by giving us standing instructions
Remit funds from any part of the country to your account.
Upcountry Cheque Collection facility.
OTHER BENEFITS
Overdraft facility.
Transfer of accounts between our wide network of branches without any
charge.
Nomination Facility - Available.
Low minimum balance requirements

BASIC BANKING -NO FRILLS ACCOUNT
This account comes with very low minimum balances as well as low/ nil
charges, to cater to the needs of individuals from the vast sections of
population who are, otherwise, not fulfilling certain conditions of our
existing Savings Bank account requirements. Details are as under:
ELIGIBILITY: Individuals of 18 years and above earning a gross
income of Rs.5000/- p.m or less.
MODE OF OPERATION: Single/ joint
INITIAL DEPOSIT AMOUNT: Rs.50/- to open the account
MINIMUM BALANCE: NIL
MAXIMUM BALANCE/ AMOUNT: Rs.10,000/-, being the total value of
business connection of the account holder, including other deposit accounts.
RATE OF INTEREST: As applicable to Savings Bank accounts, if a
minimum balance of Rs.500/- or more is maintained.
CHEQUE FACILITY: Available.
ATM-CUM-DEBIT CARD: Will be issued free of charge.
INTERNET BANKING FACILITY: Not available
NUMBER OF ACCOUNTS: Ordinarily, a customer will not be allowed to
open more than one basic banking 'no-frills' account.
PASS BOOK: Will be issued, updation will be permitted between 11th and
20th of the month.
Charges for availing services other than those covered here: The schedule of
charges for availing services other than those covered in this product is
being displayed in the branch premises/ notice board.
NOMINATION FACILITY: Available

TERM DEPOSITS
Now you can earn a higher income on your surplus funds by investing those
with us. We provide security, trust and competitive rate of interest.
Flexibility in period of term deposit from 7 days to 10 years.
Affordable Low Minimum Deposit Amount: You can open a term deposit
with SBI for a nominal amount of Rs.1000/- only.
Please check our Interest Rates online or simply email through our Helpline.
Flexibility in choosing the amount you wish to invest and the maturity
period.
HIGHLIGHTS
SAFETY - We understand the value of your hard earned money and
continue to deliver on our promise of safety and security over 200 years.
LIQUIDITY
LOAN /OVERDRAFT FACILITY: You can avail a loan/overdraft against
your deposits provides you loan / overdraft up to 90% of your deposit
amount at nominal cost. So you continue to earn interest in your deposit and
still can meet your urgent financial requirements.
PREMATURE WITHDRAWAL
Interest to be charged on premature withdrawal of term deposits at 0.5%
below the rate applicable for the period deposit has remained with the Bank.

AUTOMATIC RENEWALS
There is no need for you to keep track of the maturity of your deposits.
Your deposits with us will be renewed automatically, post maturity. And
you continue to earn interest for same period as that of your matured deposit,
at the interest rate prevailing at the time of maturity. Automatic renewals
take place where there are no standing instructions for renewal.
Flexibility to covert your Special Term Deposit to Term Deposit and vice
versa
You can convert your special Term Deposit to a Term Deposit to receive
monthly/quarterly interest payments to match your financial requirements.
You can also convert your Term Deposit to a Special Term Deposit, which
provides compounded rate of interest to multiply your money faster.

RECURRING DEPOSIT
Want to create a fund for your children's education or marriage or to buy a
car or for a dream holiday? Whatever may be your financial goals, through
our Recurring Deposit Scheme you can save a little every month so that at
the time of need you have sufficient funds to achieve your financial goals.
Recurring Deposit provides you the element of compulsion to save at high
rates of interest applicable to Term Deposits along with liquidity to access
that savings any time. So set aside a small amount every month and earn at
compounded rates of interest.
WIDE CHOICE IN PERIOD OF DEPOSIT
Flexibility in period of deposit with maturity ranging from 12 months to 120
months.
Low minimum monthly deposit amount.
You can start a Recurring Deposit with SBI for a monthly instalment of
Rs.100/- only.
SBI TERM DEPOSIT RATES APPLY
Check out our Interest Rates Online or simply email through our Helpline
Choose the amount you wish to invest and the maturity period.
HIGHLIGHTS
SAFETY
We understand the value of your hard earned money and continue to deliver
on our promise of safety and security over two centuries.
Liquidity

LOAN /OVERDRAFT FACILITY: You can avail a loan/overdraft against
your deposit.SBI provides you loan / overdraft upto 90% of your deposit
amount at nominal cost. So you continue to earn interest in your deposit and
still can meet your urgent financial requirements.
TRANSFERABILITY
Transfer of Recurring Deposit accounts between our wide network of
branches without any charge.
Regular Instalments to your Account
Now you have motivation/compulsion to save a chosen amount every month
and create a fund, which helps you to meet your future financial needs.
Recurring Deposits are available at all SBI Branches
Easy and convenient access of information at SBI Internet Banking
OTHER BENEFITS
Nomination Facility - Available
Regular Instalments to your Account
–Save in your account through Fixed Monthly Instalments.
–Monthly Instalments can be deposited on any working day of the month.
–Delayed monthly instalments attract penalty.
–Instalments payable in multiples of Rs.10/-
FREE FUND TRANSFER
Free transfer of your funds through standing instructions from your Current
or Savings Bank Account to your Recurring Deposit Account every month
for the payment of your instalments, so that you do not have to worry about
regular payments.

ICICI BANK
(INDUSTRIAL CREDIT AND INVESTMENT
CORPORATION OF INDIA)
HISTORY OF ICICI BANK
ICICI Bank is India's second-largest bank. The Bank has a network of about
573 branches and extension counters and over 2,000 ATMs. ICICI Bank was
originally promoted in 1994 by ICICI Limited, an Indian financial
institution, and was its wholly-owned subsidiary.
ICICI was formed in 1955 at the initiative of the World Bank, the
Government of India and representatives of Indian industry. The objective
was to create a development financial institution for providing medium-term
and long-term project financing to Indian businesses.
In the 1990s, ICICI transformed its business from a development financial
institution offering only project finance to a diversified financial services
group offering a wide variety of products and services, both directly and
through a number of subsidiaries and affiliates like ICICI Bank.
In 1999, ICICI become the first Indian company and the first bank or
financial institution from non-Japan Asia to be listed on the NYSE. In 2001,
ICICI bank acquired Bank of Madura Limited.
ICICI Bank set up its international banking group in fiscal 2002 to cater to

the cross border needs of clients and leverage on its domestic banking
strengths to offer products internationally. ICICI Bank currently has
subsidiaries in the United Kingdom, Canada and Russia, branches in
Singapore and Bahrain and representative offices in the United States,
China, United Arab Emirates, Bangladesh and South Africa.
ICICI BANK TODAY
Today, ICICI Bank offers a wide range of banking products and financial
services to corporate and retail customers through a variety of delivery
channels and through its specialized subsidiaries and affiliates in the areas of
investment banking, life and non-life insurance, venture capital and asset
management.

SOME OF THE MOST POPULAR DEPOSIT SCHEMES
PROVIDED BY ICICI BANK
SAVINGS ACCOUNT
FEATURES
The ICICI Bank International debit card is a debit-cum-ATM card providing
you with the convenience of acceptance at merchant establishments and cash
withdrawals at ATMs.
The next time you want to withdraw cash from your ICICI Bank Savings
account, just walk into any bank's ATM and use your ICICI Bank ATM-
cum-Debit card for free. The above benefit is available to individual
domestic Savings Account holders on maintenance of a quarterly average
balance of more than Rs.10, 000 in the savings account in a quarter. The
above benefit can be availed in the same quarter.
Money Multiplier Facility
Internet Banking is offered free of cost.
Anywhere Banking - This facility entitles the account holder to withdraw or
deposit cash upto a limit of Rs.50, 000 across all ICICI Bank branches.
You can give us various types of standing instructions like transferring to
fixed deposit accounts at regular intervals.
An average quarterly balance of Rs. 5,000 only.
Nomination facility is available.

MINIMUM BALANCE:
For opening the saving account minimum Rs.5,000
Non-maintenance of the minimum average quarterly balance attracts a fee of
Rs. 750 per quarter
ELIGIBILITY
Resident Indian.
VALUE ADDED SERVICES
Debit-cum-ATM card
Money Multiplier Facility
Phone Banking
Anywhere Banking
Standing instructions
Nomination facility
DOCUMENTATION
Applicants must satisfy the following documentation requirements:
Identity proof
Proof of communication address
Self cheque (if the applicant is not visiting the branch for account opening)
Identity proof: driving license, Voters Identity Card, Employees Identity
Card, PAN Card, Dependent’s card, Bar council/ Indian medical association
card/ senior citizen card, etc.
Proof of communication address: Latest electricity bill, Certificate from the
postal office confirming address of applicant, Telephone bills from any
telephone service providers and mobile service providers, Premium Receipt
from any life insurance company, etc.

FIXED DEPOSIT
FEATURES
Wouldn't you like a Fixed Deposit that allows you to deposit your money for
just as long as you wish? Our Fixed Deposit allows you just that - deposits
can be opened for periods ranging from 15 days to 10 years
.
OTHER FEATURES INCLUDE:
Choice of two investment plans:
TRADITIONAL
Interest payable monthly or quarterly as per your convenience
Maturity period ranges from 15 days to 10 years.
REINVESTMENT
Interest is compounded quarterly and reinvested with principal amount
Maturity period ranges from 6 months to 10 years
MINIMUM BALANCE
You can avail of ICICI Bank Fixed Deposits for a minimum deposit of Rs
10,000.
NOMINATION
Nomination facility is available for relationships in the names of individuals.
Unless otherwise specifically, given in writing by depositors, nomination in
deposit accounts will be at Customer ID level.
Depositor(s) however has/have the right to specify different nominations at
account level by completing appropriate forms.

Further, the applicant(s) is/are at liberty to change the nominee, through
declaration in the appropriate form to revise the nomination during the
currency of the relationship accounts with the Bank.
BENEFITS
A wide range of tenures, ranging from 15 days to 10 years, to suit your
investment plan.
Partial withdrawal is permitted in units of Rs 1,000. The balance amount
earns the original rate of interest.
Safe custody of your fixed deposit receipts.
Auto renewal is provided.
Loan facility is available up to 90% of principal and accrued interest.
ELIGIBILITY
Resident Indian
DOCUMENTATION
Identity proof

Wide range of tenures
Choice of investment plans
Partial withdrawal permitted
Safe custody of fixed deposit receipts
Auto renewal possible
Loan facility available

RECURRING DEPOSIT
ICICI Bank's Recurring Deposits are the ideal way to invest small amounts
of money every month and end up with a large saving on maturity.
FEATURES
Encourages savings without stress on your finances.
High rates of interest (identical to the fixed deposit rates).
Non-applicability of Tax Deduction at Source (TDS).
MINIMUM BALANCE
The minimum balance of deposit is Rs. 500 per month and thereafter, in
multiples of Rs. 100.
PERIOD OF DEPOSIT
The minimum period is 6 months, and thereafter in multiples of 3 months.
NOMINATION
The facility of Nomination is available for relationships in the names of
individuals. Unless otherwise specifically given in writing by depositors,
nomination in deposit accounts will be at Customer ID level.
A depositor(s) however has / have the right to specify different nominations
at account level by completing the appropriate forms.
Further, the applicant(s) is / are at liberty to change the nominee during the
currency of the relationship accounts with the Bank, through a declaration to
the effect in the appropriate form.

ELIGIBILITY
Resident Indian.
The minimum balance of deposit is Rs. 500 per month and thereafter, in
multiples of Rs. 100.
DOCUMENTATION
Identity proof
Encourages savings
High interest rates of interest
Loans against deposits available
Non-applicability of Tax Deduction at Source (TDS)

CURRENT ACCOUNT
WHAT IS CURRENT ACCOUNT?
A running account supporting unlimited withdrawals and deposits
A current account is meant for convenience and not to save money
WHO NEEDS A CURRENT ACCOUNT?
Businessman, Joint stock companies, Institutions, Public authorities, public
corporations etc. Any business that has numerous banking transactions need
a current account
BENEFITS OF CURRENT ACCOUNT
Unlimited Withdrawal and Deposit
Unlimited Cheque book
Demand Drafts and Pay orders
Funds Transfer (Local or Anywhere)
Collection of Cheques/ Drafts
Statements, Advices, Daily statement by e-mail
Cash withdrawal and Deposits
Call center
Internet Banking
ADDED FEATURES OF CURRENT ACCOUNT
Multicity Cheque payment facility at over 155 centers
Anywhere Banking facility
Doorstep Banking - Pick up and delivery of Currency / Cheque
Mobile Banking

HOW TO OPEN A CURRENT ACCOUNT?
Account Opening Requirements to Open a Current Account
Completed duly signed AOF AOA & MOA All Form 32 for change in
director Certificate of Incorporation Certificate of Commencement Board
Resolution in bank format Photograph of each authorized signatory List of
Directors with residential address Proof of PAN or completed Form 60
Declaration if no credit from other banks NOC from other bank if the bank
enjoys credit from any other bank

SALARY ACCOUNT
WHAT'S SO SPECIAL ABOUT ICICI BANK SALARY
ACCOUNT?
ICICI Bank Salary Account is a benefit-rich payroll account for Employers
and Employees. As an organization, you can opt for our Salary Accounts to
enable easy disbursements of salaries and enjoy numerous other benefits too.
BENEFITS TO EMPLOYEES
With ICICI Bank Salary Accounts your employees will enjoy the
convenience of:
Having the largest network of ATMs at their command,
Free 24 hour Phone Banking,
Free Internet Banking
All you would require to do is to send ICICI Bank an advice (in form of a
cheque/debit instruction, ECS, etc) for the total salary amount along with the
salary details of the designated employees in a soft and hard copy format
and we will credit the respective employees' accounts as per your statement
of advice
ICICI Bank Salary Accounts benefits you in more than one ways:-
Reduces your paperwork.
Saves remittance costs.
Employees receive instant credit of salaries.
More convenient than ECS.

ELIGIBILITY
The organization needs to have a minimum of 25 employees and a payout of
Rs 36.0 lacs per annum and average salary per account of Rs. 12,000 per
month.
ADVANTAGES TO EMPLOYEES
Your employees automatically become ICICI Bank Salary Account holders with special
benefits and privileges and receive instant salary credit. The benefits include International debit
card, corporate card with Individual Liability (CCIL), access to Phone Banking and Internet
Banking, Demat accounts, and a host of other services to complement their savings account.
Here are some of the features of ICICI Bank Salary Account: -
WELCOME-KIT
No more waiting for weeks to get your chequebook and debit cards. ICICI Bank Salary Account
customers will have the facility of filling up a form and getting their chequebooks and debit cards
immediately.
MONEY MULTIPLIER : The Money Multiplier feature gives you the liquidity of a
Savings Account coupled with high earnings of a Fixed Deposit. This is achieved by creating
a Fixed Deposit linked to your Savings Account providing you the following unique facilities.
DEBIT CARD
We offer an International “N-Cash” Debit card to our Salary Account customers to provide
them access to our extensive ATM network. The card also allows them to shop at over 11,000
merchant establishments. N-Cash is a Visa electron card, which gives the cardholder access to
more than a million merchant establishments and Visa ATMs all over the world.
FREE INTERNET BANKING
ICICI Bank Internet Banking, ICICI Bank's Internet Banking facility gives
your employees the freedom to operate their account from the convenience
of their home, office or from anywhere in the world.

ONLINE FUNDS TRANSFER
No need for cash withdrawals and cheque deposits. We give your employees
the facility to transfer funds online from any part of the world.
MOBILE BANKING
Your employees can receive alerts on their mobile handsets providing them information about
their ICICI Bank Accounts and ICICI Credit Cards Account. Now customers can also know the
balance and other details of their accounts by requisitioning for it through SMS.
PHONE BANKING
Your employees can use our phone banking facility to do banking transactions through our
customer care centres.
FREE UTILITY BILL PAYMENTS
No queues. No wasted minutes. Now your employees can pay utility bills
like electricity, phone bills etc. using ICICI Bank Internet Banking.
REIMBURSEMENT ACCOUNT
If you opt to disburse/reimburse the travel, food etc. expenses via
reimbursement accounts, a reimbursement account can be opened
simultaneously along with the Salary Account savings bank account, which
would be linked together with the debit card already held by your employee.
FREE REMITTANCE FACILITIES
Salary Account customers can avail of free remittance (demand drafts,
cheques, pay orders) up to Rs.25,000 on ICICI Bank network.
OVERDRAFT FACILITY
Employees get an emergency overdraft facility on request, based on their
take-home salary. This would be adjusted in their following salary credit
(available subject to employees satisfying the eligibility criteria).
CARDS & LOANS

CCIL - SILVER CARD
Salary Account holders have the privilege of receiving the ICICI Bank Silver credit card
(Corporate Card with Independent Liability), free for the first year(available subject to employees
satisfying the eligibility criteria).
PERSONAL LOANS
As a special offering, our Salary Account customers would be extended personal loans.
HOME LOANS
Home Loans from ICICI Bank comes to you with attractive interest rates and personalized service
in the comfort of your home.
CAR LOANS
Car Loans from ICICI Bank come to you with instant approval,
hassle-free documentation and competitive interest rates.
TWO WHEELER LOANS
Two-Wheeler loans from ICICI Bank come to you at attractive interest rates
coupled with a flexible financing option.
LOANS AGAINST SECURITIES
ICICI Bank will advance loans to Salary Account holders against
securities and mutual funds owned by them.
INVESTMENT SERVICES
DEMAT SERVICES
A Demat Account will let your employees transact in shares instantaneously
in a safe and secure manner.
RELIEF BONDS/ MUTUAL FUNDS/ INSURANCE
Salary Account customers can now invest in Government of India
relief and savings bonds, a basket of mutual funds, foreign exchange
facilities and Insurance products through ICICI Bank.

GOLD COIN
Employees can buy 24 karats Pure Gold, which ICICI Bank brings to you. Each coin comes
to you straight from Switzerland. Refined to 99.99% fine gold and sealed with a unique Certificate
of Authenticity- guaranteeing you its purity
SURVEY FOR PROJECT ON DEPOSIT SCHEMES
(COVERED BY SBI & ICICI BANK)
NAME:
AGE:
DESIGNATION:
CONTACT NO:
SIGNATURE:
1) For which purpose would you like to invest in deposit schemes?
2) Which bank would you prefer for investing in deposit schemes?
Private Public Foreign
3) What type of interest rate do you prefer?
Fixed Floating

4) In which account are you more interested to invest your funds?
Savings Recurring
Fixed Deposit Current
5) Do you plan to invest in deposit schemes in future?
Yes No
6) According to you the procedure for deposit schemes is?
Convenient Lengthy
7) Are you aware of the various deposit schemes provided by SBI/ ICICI Bank?
Yes No
8) Do you like the service provided by SBI /ICICI Bank?
Yes No
9) Do you think the number of ATM’s operating is sufficient?
Yes No
10) SBI, being a Public bank would you like to switch to a private sector bank?
And ICICI being a private sector bank would you like to switch to public bank?
If yes, then why?
If no, then why?
COMMENTS:

Project Guide: Mrs. Vaishali. Kurhekar Survey conducted by:
Signature: Anusha Shetty
TY.B.B.I. Roll No:46
ANALYSIS OF THE SURVEY CONDUCTED ON DEPOSIT
SCHEMES (COVERED BY SBI & ICICI BANK)
SAMPLE SIZE: 80
TARGETED AGE GROUP: Working class between age group of 21-50
TARGETED PEOPLE: People who have their accounts in SBI and ICICI
Bank Respectively & also people who are planning to invest their money in
deposit schemes in future.
1. For which purpose, the public prefers to invest in deposit schemes?
More than 85% the public invest in deposit schemes for safety of their
investments, savings and to earn some returns.

2. What type of interest rate is more preferred by the public?
80% of the public prefers fixed rate of interest, only 20% of the public
prefers floating rate of interest.
3. Does the public plan to invest in deposit schemes in future?
93% of the public plans to invest their funds in deposit schemes in
future.
4. According to the public, the procedure for deposit schemes is?
80% of the public finds the procedure convenient while 20% finds it
lengthy,
5. WHICH BANK IS MORE PREFERRED BY THE PUBLIC FOR
INVESTING IN DEPOSIT SCHEMES?

PRIVATE
PUBLIC
FOREIGN
This indicates that PRIVATE SECTOR IS 40%
PUBLIC SECTOR IS 55%
FOREIGN SECTOR IS 5%
6. IN WHICH ACCOUNT THE PUBLIC IS MORE INTERESTED TO
INVEST THEIR FUNDS?

SAVINGS
RECURRING
FIXED DEPOSIT
CURRENT
This pie chart indicates that SAVINGS DEPOSIT IS 45%
RECURRING DEPOSIT IS 6%
FIXED DEPOSIT IS 43%
CURRENT ACCOUNT IS 6%
This shows that savings deposit and fixed deposit is the most popular deposit
schemes.
7. IS THE PUBLIC AWARE OF THE VARIOUS DEPOSIT
SCHEMES PROVIDED?

52%
53%
54%
55%
56%
57%
58%
59%
60%
SBI
ICICI
8. IS THE PUBLIC SATISFIED WITH THE SERVICES PROVIDED
BY THE BANKS?

0
10
20
30
40
50
60
70
80
90
SBI ICICI
YES
NO
9.a. In case of SBI, when asked whether the public would like to
switch to the private sector only 10% of the publics were willing to
move towards the private sector.

9.b. In case of ICICI, when asked whether the public would like to
switch to the public sector, only 9% of the people were willing to
move towards the public sector.
COMMENTS:
 IN CASE OF SBI:
SBI is the best bank in the public sector. It is the most trusted and
popular bank in the public sector. According to the public, the interest
rates should be increased a little and the services should be more
professionalized.
 IN CASE OF ICICI BANK:
ICICI is the best bank in the private sector and the most popular one
in India. According to the public, ICICI bank provides very good
services. Their transactions are fully professionalized and easy and
hence, it is less time consuming for the public.

ANSWERS ON QUESTIONNAIRE FOR SBI BANKER
I had visited SBI bank at Andheri Branch and there I had interview with
the Relationship Manager. Mrs. Mithila. Jadhav instead of her busy schedule
tried to give answers to my questions.
1) What are the different deposit schemes provided by your bank?
Ans: Fixed deposit, saving deposit, current accounts,etc.
2) Which is the main document needed to open an account in your bank?
Ans: Any identity Proof
3) Which is the main document needed in case of a minor to open an
account?
Ans: A birth certificate is a must.
4) Who determines the interest rate for different deposit schemes?
Ans: It is centralized by the Reserve bank of India.
5) What is the interest rate given to senior citizens?
Ans: Bank provides 0.5% interest rate higher than the normal rate.
6) Does your bank charge any service fees for opening the account?
Ans: No service fees are charged.
7) If people have any complaints regarding your service, what should they
do?
Ans: They should go to the higher authority.
8) From a broader perspective, according to you what is the relevance of
deposit schemes today?
Ans: They are highly liquid instruments so are extremely popular.
9) What are the value added services provided by your bank along with
deposit schemes?
Ans: Internet banking, Mobile banking, etc

ANSWERS ON QUESTIONNAIRE FOR ICICI BANKER
I had visited ICICI bank at Chandivali Branch and there I had interview
with the Operations Manager Vijay. Anand who instead of his busy schedule
tried to give answers to my questions.
1)What are the different deposit schemes provided by your bank?
Ans: Fixed deposit, saving deposit, current account, recurring deposit,etc.
2) Which is the main document needed to open an account in your bank?
Ans: Any identity Proof.
3) Which is the main document needed in case of a minor to open an
account?
Ans: A birth certificate is a must along with a stand guarantor.
4) Who determines the interest rate for different deposit schemes?
Ans: It is centralized by the Reserve bank of India.
5) What is the interest rate given to senior citizens?
Ans: Bank provides 0.5% interest rate higher than the normal rate.
6) Does your bank charge any service fees for opening the account?
Ans: No service fees are charged.
7)If people have any complaints regarding your service, what should they
do?
Ans: They should go to the higher authority or there is a 24 hour customer
service number given.
8)From a broader perspective, according to you what is the relevance of
Ans: They are highly liquid instruments so are extremely popular and safe.
9)What are the value added services provided by your bank along with
deposit schemes?
Ans: Internet banking, Mobile banking, anywhere banking, etc.

ANNEXURE
QUESTIONNAIRE FOR BANKER
1)What are the different deposit schemes provided by your bank?
2)Which is the main document needed to open an account in your bank?
3)Which is the main document needed in case of a minor to open an account?
4)Who determines the interest rate for different deposit schemes?
5)What is the interest rate given to senior citizens?
6)What are the interest rates for different deposit schemes in your bank?
7)Does your bank charge any service fees for opening the account?
8)Is nominal facility available for all the deposit schemes?
9)For opening an account, how much balance amount does the person has to
maintain with the bank?
10)Does your bank provide ATM facilities for all the deposit schemes?
11)Which deposit schemes is more demanded by the public in your bank? Why?
12)If people have any complaints regarding your service, what should they do?
13)From a broader perspective, according to you what is the relevance of
14)What are the value added services provided by your bank along with deposit
schemes?

BIBILIOGRAPHY
 WEBSITES
- www.statebankof india.com
- www.icici.com
 VISITED SBI BANK AT ANDHERI (EAST) BRANCH
 VISITED ICICI BANK AT CHANDIVALI BRANCH.
 BOOKS
Indian banking- By S Natrajan & R. Parmaswaran
Banking Theory and Practice- Dr. P.K Srivastava

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