Product s marketsd by banks

Product s marketsd by banks : 

Product s marketsd by banks v.Gopalakrishnan 1 mba

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The commercial banks attract the customers only through the service. The Indian bank is play a vital role in customer service. Strong customer base is created by banks offering the best possible service.

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Service offered by banks Common product: Savings bank Current bank Recurring deposit Fixed deposit

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Special product Multi ct chq Remittance at par Mutual funds Insurance Term deposit Over draft Letter of credit

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Multi ct If the depositor maintain 1 lak. The bank issue the chq in demand in favor of the customer.

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Remittance at par The bank will issue the dd with out any additional commission.

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Mutual fund The bank also provide mutual fund in their own brand name other wise in the form of private brand with proper guidence.

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Insurance Term deposit: benefit group money in case of risk . its also can laps Unit link: larger amount insurance + saving by the customer. It is compulsory for given stipulated period. No risk in this case. Returns is low(debt + equity).bank will deposit the money above the risk. Endowment: it’s the choice of depositor whether invest in equity market or debt market.(asses the risk)

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Term deposit : the bank avail loan for customers in 90% in the amount of tearm deposit.

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Over draft: the bank give over draft facility to separate over draft account. If the bank add inters when the amount credit the by bank in od acc.

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Credit product Small scale industries Large scale industries cr for professionals Micro credit

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Other services Forex It should meet the exchange control regulation of RBI. Bill of lading Bill of exchange Exchange trading Mid rate Low rate High rate: exchange benefit