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  1. 1. SDM COLLEGE OF EDUCATION, UJIRE Subject : Social Science Topic : Banking Transaction Submitted to :Dr,Praveen Padhyana Lecturer, SDM College of Education, Ujire Submitted by: Hemavathi N jain B.Ed III Sem, Student Teacher SDM College of Education, Ujire.
  2. 2. Lesson-1 Meaning of Bank Characteristics of bank
  3. 3. Bank
  4. 4. Bank • The term ‘Bank’ is derived from Italian word ‘Banco’ or from a French word ‘Banque’ both means “Bench” or money exchange table. • It receives money from those who want to save their money in the form of deposit and lends it to those who require money in the form of loan. • The service of the banks are called banking.
  5. 5. Characteristics of Bank •Dealing with money •Individual firm and company •Acceptance of deposits •Lending loans •Payment and withdrawals
  6. 6. Continued….. • Agency and utility services • Profit and service orientation • Ever increasing function • Connecting link • Banking business • Name identity
  7. 7. • The word ‘Bank’ has been derived from the French word______ • What is the meaning of word ‘Bank’? • Explain the characteristics of bank. • List out the characteristics of Bank.
  8. 8. Follow up activities •Visit a Bank and collect information about how bank lend money?
  9. 9. Reference • https://www.pexels.com/search/money/ • https://www.pexels.com/search/money/ • https://www.dreamstime.com/photos-images/stealing-money-jeans- pocket.html • https://www.shutterstock.com/search/safe+custody • https://www.istockphoto.com/search/2/image?phrase=india+bank
  10. 10. THANK YOU
  11. 11. WELCOME
  12. 12. LESSON-2 •Banking Transaction •Post office (Postal Bank of India) •Postal Bank of India Financial services •Types of banks
  13. 13. • The word ‘Bank’ has been derived from the French word______ • What is the meaning of word ‘Bank’? • List out the characteristics of Bank.
  14. 14. Banking Transaction •Any sort of activity involving in money or exchange of money in an account is viewed as Bank Transaction. •All banking transactions in India controlled by The Reserve Bank of India (Mother of Banks, Bankers Bank, Central Bank of India) •20 Nationalized bank, 21 Private Banks, and 19 Foreign banks (8000 bank branches)
  15. 15. Post office (Postal Bank of India) • The Indian Banking Department is planning to start a bank to be tentatively called “Postal Bank of India with the network of post offices spread all over India
  16. 16. Postal Bank of India’s Financial services
  17. 17. Kisan Vikas Patra Recuring Deposit
  18. 18. Post office saving bank Issue of national saving certificate
  19. 19. Postal Life Insurance Pension Payment
  20. 20. Types of Bank
  21. 21. Central Bank RBI Commercial Banks Industrial development banks
  22. 22. Land Development Bank Indigenous bank Banks Co-operative banks
  23. 23. • What do you mean by Bank Transaction? • Expand RBI. • All banking transaction of India controlled by________ • What are the Financial Services provided by the Post Office if India? • List out the types of Banks.
  24. 24. Follow-up activities •Visit a post office and collect information about its banking operations.
  25. 25. References • HTTPS://WWW.SHUTTERSTOCK.COM/SEARCH/BANK+TRANSACTION • HTTPS://WWW.GETTYIMAGES.IN/PHOTOS/POST-OFFICE-IN-INDIA • HTTPS://WWW.SHUTTERSTOCK.COM/SEARCH/POST+OFFICE+BANK • HTTPS://PORTAL.CT.GOV/DOB/CONSUMER/CONSUMER- EDUCATION/ABCS-OF-BANKING--BANKS-THRIFTS-AND-CREDIT-UNIONS • HTTPS://EN.WIKIPEDIA.ORG/WIKI/BANKING_IN_INDIA
  26. 26. THANK YOU
  27. 27. WELCOME
  28. 28. Lesson:3 Types of Bank accounts
  29. 29. • What do you mean by Bank Transaction? • Expand RBI. • All banking transaction of India controlled by________ • What are the Financial Services provided by the Post Office if India? • List out the types of Banks.
  30. 30. 1.Do you know about Bank accounts? Why it is needed?? Ans: Yes. Borrowing and lending of money possible only when we have account in the banks, it is one of the safest custody of our money.
  31. 31. Types of Bank accounts •Saving Bank Accounts •Current Accounts •Recurring Deposit Accounts •Term or Fixed Deposit Accounts
  32. 32. 1. Saving Bank Accounts •Opened by salaried persons, students, senior citizens, pensioners etc. •No restrictions on the number and amount of deposits.
  33. 33. 2. Current Accounts •Opened by businessmen. •Amount can be deposited or withdrawn any number of times in a day. •No interest but bank collect service charges or bank charges •Opened for a purpose to be saved for a future date.
  34. 34. 3. Recurring Deposit Accounts •Opened for a purpose to be saved for a future date. •Deposits are made regularly on monthly basis
  35. 35. 4. Term or Fixed Deposit Accounts •Opened for a fixed period by depositing a particular sum of money. •The deposit amount cannot be withdrawn before the expiry of the term. •The rate of interest is more.
  36. 36. • What are the features of Bank accounts? • List out the Bank Accounts. • Enlist the uses of Bank Accounts. • Who open the Current Accounts? • Which Account deposits are made regularly on monthly basis?
  37. 37. Follow up Activities •Visit Banks and collect information about the rate of interest offered by banks for various.
  38. 38. Reference https://www.bankofbaroda.in/writereaddata/Images/pdf/ac-opening- individual.pdf https://www.bankofbaroda.in/writereaddata/Images/pdf/ac-opening- individual.pdf https://www.youtube.com/watch?v=GYdcXeMYUeI (video)
  39. 39. THANK YOU
  40. 40. Lesson:4 Procedures to open a Bank Account
  41. 41. • What are the features of Bank accounts? • List out the Bank Accounts. • Enlist the uses of Bank Accounts. • Who open the Current Accounts? • Which Account deposits are made regularly on monthly basis?
  42. 42. Activity: • Gives opportunities to discuss the topic about ‘admission process of the students in the school’.
  43. 43. Procedures to open a Bank Account • Decide the type of account which you want to open. • Approach the bank of your choice and meet its office. • Fill up the Bank Account form. • Give reference for opening Bank Account form duly filled. • Submit the Bank Account form duly filled. • The officer will verify all the particulars submitted. • Initial deposit.
  44. 44. Gives opportunities to discuss with some questions. • Collect information with students who have already Bank Accounts. • Collect information about other accounts instead of Four accounts (Salary account, NRI accounts, DEMAT Account, Credit account, Expense account, personal account, etc)
  45. 45. •List out the procedures to open a Bank Account •What is Initial deposit? •Explain the procedure to open accounts. •Why reference needed for opening Bank Accounts?
  46. 46. Follow up activities: •Collect Bank Account opening application form from any bank.
  47. 47. References • HTTPS://WWW.YOUTUBE.COM/WATCH?V=GYDCXEMYUEI (VIDEO) • HTTPS://WWW.SHUTTERSTOCK.COM/SEARCH/BANK+ACCOUNT+OPE NING
  48. 48. THANK YOU
  49. 49. Lesson : 5 Advantages of opening Bank Accounts
  50. 50. •List out the procedures to open a Bank Account •What is Initial deposit? •Explain the procedure to open accounts. •Why reference needed for opening Bank Accounts?
  51. 51. Facilitates safe custody of money
  52. 52. Helps in making payments
  53. 53. Give advances and loans
  54. 54. Helps in smooth financial transaction
  55. 55. Provide safe deposit locker facility
  56. 56. Activity: Students listouts some other advantages • Gain interest on deposits • People saves money habit for future • Increases standard of living • Increases purchasing power of the people • ATM, Debit card, Credit card, E-payment, E-business etc.
  57. 57. • Enlist the advantages of opening bank accounts. • Explain the advantages of opening bank accounts Follow up Activities • Collect information regarding how your cash helpful to the Bank?
  58. 58. References • https://www.shutterstock.com/image-photo/seremban-malaysia- 2972018-customers-getting-served-1146510494 • https://www.shutterstock.com/search/check+deposit+slip • https://www.shutterstock.com/search/check+deposit • https://www.shutterstock.com/search/withdrawal+slip
  59. 59. Conclusion Banks play very important roles in the economic development of nations as they, to a large extent, wield control over the supply of money in circulation and are the main stimuli of economic progress. Economic development is a dynamic and continuous process which is highly dependent upon the mobilization of resources, investment, and the operational efficiency of the various segments of the economy. The performance of bank institution and other financial institution need to be evaluated because it defined as the reflection of the way in which the resources of a bank are used in a form which enables it to achieve its objectives. As the banking sector is considered a vital segment of a modern economy, its efficiency is vital importance. A customer may have more than one account. Once an account is opened, funds entrusted by the customer to the financial institution on deposit are recorded in banks.
  60. 60. References • https://www.pexels.com/search/money/ • https://www.pexels.com/search/money/ • https://www.dreamstime.com/photos-images/stealing-money-jeans-pocket.html • https://www.shutterstock.com/search/safe+custody • https://www.istockphoto.com/search/2/image?phrase=india+bank • https://www.shutterstock.com/search/bank+transaction • https://www.gettyimages.in/photos/post-office-in-india • https://www.shutterstock.com/search/post+office+bank • https://portal.ct.gov/DOB/Consumer/Consumer-Education/ABCs-of-Banking--Banks-Thrifts- and-Credit-Unions • https://en.wikipedia.org/wiki/Banking_in_India
  61. 61. Continued………. • https://www.bankofbaroda.in/writereaddata/Images/pdf/ac-opening-individual.pdf • https://www.bankofbaroda.in/writereaddata/Images/pdf/ac-opening-individual.pdf • https://www.youtube.com/watch?v=GYdcXeMYUeI (video) • https://www.youtube.com/watch?v=GYdcXeMYUeI (video) • https://www.shutterstock.com/search/bank+account+opening • https://www.shutterstock.com/image-photo/seremban-malaysia-2972018-customers- getting-served-1146510494 • https://www.shutterstock.com/search/check+deposit+slip • https://www.shutterstock.com/search/check+deposit • https://www.shutterstock.com/search/withdrawal+slip
  62. 62. THANK YOU

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