1. PRIVATE
&
PUBLIC
BANKS

2. Public sector banks are banks in which the government has a
major holding
Not less than 51% of the paid-up share capital will be held by the
Central Govt.
All nationalised banks are PSB’s.
These can be classified into two groups: (I) the State Bank of India
and its associates and (ii) nationalised banks
PUBLIC SECTOR BANKS

3. LIST OF NATIONALISED BANKS

6. DOMESTIC
TREASURY
BROKING
SERVICES
REVISED SERVICE
CHARGES
ATM SERVICES
INTERNET
BANKING
facilities provided by sbi:

7. STATE BANK MOBICASH (State Bank MobiCash is a prepaid
account on mobile offering facilities like fund transfer,
mobile/ DTH recharge, bill payment, balance enquiry and
mini statement)

8. E - pAY
RBIEFT (Inter-bank Electronic
Funds Transfer facility of the
Reserve Bank of India (RBI - EFT)

9. SAFE DEPOSIT LOCKER
MICR CODES (In MICR technology the information is printed on the instrument with a
special type of ink which is made up of magnetic material. On insertion of the
instrument in the machine, the printed information is read by the machine. MICR
system is beneficial as it minimizes chances of error, clearing of cheques becomes
easy and transfer of funds becomes faster in order to facilitate operations.)
FOREIGN INWARD REMITTANCES (the purchase
and sale of freely convertible foreign currencies as
admissible under Exchange Control Regulations of
the country)

13. CANARA
BANK

14. Canara bank is founded as Canara bank hindu permanent fund in
1906 by late shri Ammembal subba rao pai.

15. 1. To remove superstition and ignorance.
2. To spread education among all to sub serve the first principle.

16. To inculcate the habit of thrift and savings.
To assist the needy.
To work with sense of service and dedication.

17. PERSONAL BANKING
NRI BANKING
CORPORATE BANKING

18. INTERNET BANKING
PRIORITY AND SMS BANKING.

19. CANARA BANK PERSONAL loan provided only to an existing
canara bank customer. It is possible to secure a loan even
without having to visit your bank branch if you have been
an canara bank customer for the past a month you might
have a pre – approved loan offer waiting for you.

20. They offer unbeatable benefits to ensure that you get the
best deal without any hassles
Canara bank offers you the most convenient home loan
plans to suit your needs with so many attractive features in
every type of home loan they offer.

21. Education loan are offer to meritorious student for studies
in india or abroad. The loan is given out to students
admitted to institute and college approved by the bank. The
loan covers fee for all years. Which is normally disbursed to
the college/ institute directly by the bank. The loan also
covers most of the boarding and lodging expenses.

24. AXIS BANK

25. The third largest private sector bank in India.
Offers financial services to customer segments covering Large and
Mid-Corporates, MSME, Agriculture and Retail Businesses.
Axis Bank has its headquarters in Mumbai, Maharashtra.

26. Treasury operations: The Bank’s treasury operation services include investments in sovereign and
corporate debt, equity and mutual funds, trading operations, derivative trading and foreign exchange
operations on the account, and for customers and central funding.[3]
Retail banking: In the retail banking category, the bank offers services such as lending to
individuals/small businesses subject to the orientation, product and granularity criterion, along with
liability products, card services, Internet banking, automated teller machines (ATM) services
Corporate/wholesale banking: The Bank offers to corporate and other organisations services including
corporate relationship not included under retail banking, corporate advisory services, placements and
syndication, management of public issues,

27. NRI services: Products and services for NRIs that facilitate investments in India
Business banking: The Bank accepts income and other direct taxes through its 214 authorised branches
at 137 locations and central excise and service taxes (including e-Payments) through 56 authorised
branches at 14 locations.
Investment banking: Bank’s Investment Banking business comprises activities related to Equity Capital
Markets, Mergers and Acquisitions and Private Equity Advisory. The bank is a SEBI-registered Category
I Merchant Banker and has been active in advising Indian companies in raising equity

28. Lending to small and medium enterprises: Axis Bank SME business is segmented in three groups: Small
Enterprises, Medium Enterprises and Supply Chain Finance. Under the Small Business Group a subgroup
for financing micro enterprises is also set up.
Agriculture banking: 759 branches of the Bank provide banking services, including agricultural loans, to
farmers.[3] As on 31 March 2013, the Bank’s outstanding loans in the agricultural sector was INR 148
billion, constituting 7.5% of its total advances.[3]
Axis Bank launched Mobile Banking App 2.0 for its retail resident Indian customers the first of its kind in
India, which offers a high level of personalization .

29. credit
card axis bank
axis bank atm facilities
axis bank locker facility

30. axis bank
overdraft facility
axis bank sms facility
ecs facility in axis bank

31. axis
bank car
d offers
axis
bank flig
ht offers
axis
bank ato
z offers
axis
bank rec
harge
offers

33. FEATURES

34. Indian multinational banking and financial services company .
Second largest bank in India by assets and market capitalization.
The bank had a network of 3539 branches and 11,162 Atms in India.

35. Flexible recurring deposit allows a customer to deposit any amount at any point of time.
Customers also have an option of depositing money by giving a standing instructions.
Customers can earn recurring deposit interest rates on their iWish account.

36. Customers can choose to share their wishes on Facebook and let their friends and family be part of
their dreams.
iWish gives an opportunity to the family and friends of a customer to contribute and help him
attain his aspirations faster.
ICICI bank assists in the creation , expansion and modernization of private concerns.

37. ICICI bank encourage the participation of internal and external capital in the private concerns.
It encourage private ownership of industrial investment.
It provides long –term and medium term loans in rupees and foreign currencies.

38. FEATURES

41. {MEANING}A public sector bank is a bank
that is operated through institutions owned
by the people through their representative
governments.Private sector banks are
owned by the private lenders.
{INTEREST RATE}Interest rate of
public banks is less.
Interest rate of private banks is
higher.
{SECURITY}Public banks are highly
secured as they are run by the govt. of
India.
Private Banks are less secured. There are
chances of getting fraud.

42. FLEXIBLITY}The private banks are known for being well equipped with all
kinds of contemporary tools and techniques. And always try to be updated
with environmental changes.
Public banks are not completely well equipped as compared to private
banks. But day by day public banks also starting adapting changes with the
present scenario.
{INTEREST}The decisions in public banks are generally in
the interest of the public.The decisions in private banks
are generally in the interest to increase profits. OR a
private bank mainly focuses on short term interest.
{TIME}Loan sanction works may take long time (i.e. 7-8 days) in public
banks.
Loan sanction works may take less time(i.e. 2-3 days) in private banks.

43. {OWNERSHIP}Public sector Banks are also called
Nationalized banks. These banks are owned by the
Government of India.Private sector banks are Banks
which come under Negotiable Instruments Act but
under private Management.
{EXAMPLES} SBI, Canara Bank etc. These public
banks are fully owned by the Government of
India.HDFC, Punjab national bank, ICICI etc. all
these banks are fully owned and managed by
private lenders.

44. ADVANTAGES OF PRIVATE
BANKS OVER PUBLIC BANKS

45. Private Sector banks are owned by individuals or a group of individuals who can take
policy and business decisions quickly/easily when compared to public sector banks
where policy decisions have to be approved by the government of India. Hence private
sector bank are able to offer attractive plans and offers to customers and hence are
growing at a faster pace than public sector banks.

46. Private Banks are pressed by the owners to focus on rapid generation of profit,
which often leads to more or less hazardous gambling with money that could
have promoted the economic growth of the state and nation.
on the other hand, public banks is required by its owners - you, the people - to
act so as to promote the economy of the state in the best possible way by
providing credit for growth and prosperity.

47. Home loans, car loans etc. all these works are done
more quickly in private banks as compared to public
banks because private banks always try to attract
customers by his efficient working and try to
improve his goodwill.

48. Private banks infrastructures, maintenance, customer
support services are highly commendable. On the
other hand, public bank infrastructures,
maintenance, customer support services are poor.

50. The main reason at which people like to invest or
taking loan from public bank is the trust and
confidence. people know that it’s a government
regulated bank so there is no chance of getting
fraud in institutions.

51. Public sectors bank rates are less as compare to
private banks, for example ;SBI loan rate is 9.25%
in 2013 while HDFC, indiabulls rate are 10.15% in
2013.

52. Public banks serve the public interest and can take a
long-term view of public investment strategies. Private
banks operate in their own private interest and are
concerned with maintaining the positions of
management and satisfying their shareholders'
requirements for quarterly profits and a healthy stock
price.