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Standard Chartered bank
- 2. SCB has a history of more than 150 years. The name “Standard” stems from the two original banks from which it was founded-“Chartered Bank” of India, Australia and China and “Standard Bank” of British South Africa. Chartered bank was established in 1853 by a Royal Charter granted by Queen Victoria of England. Standard Chartered in India Region: Standard Chartered is the largest international bank in India and, following successful completion of the integration of Grind lays, have a combined customer base of 2.4 million in Consumer Banking and over 1200 corporate customers in Wholesale Banking. The group launched its business in Mauritius in 2002 to provide Wholesale Banking services to corporate client’s .The shared service center in Chennai continues to develop rapidly as more services and processes are migrated from other countries. The average number of employees in the India region in 2002 was 5251.
- 3. SCB logo contains two bands, one in blue and other one in Green, which symbolizes true trust and partnership that bank holds with its customers. ... If one could observe carefully, Blue band represents S for Standard and Green band does C for Chartered.
- 4. Board is collectively responsible for our long-term success, and for ensuring that the Group is led within a framework of effective controls. KEY PEOPLE
- 5. Standard chartered have two type of saving accounts on Online and another is Offline accounts .Standard Chartered Digital Account Features Account Opening Process Paperless Interest Rate 3.5% p.a.* Monthly Average Balance Rs. 10,000 Debit Card Free Platinum Debit Card for first year SC Digital Account Features & Benefits Open your account instantly using Aadhaar based eKYC Earn 2x reward points on every online transaction with 360° rewards program Get an international Platinum debit card free for first year and enjoy 15% off across 600 restaurants Get complimentary 3 months Saavn Pro Subscription Eligibility Criteria Resident Individual More than 18 years of age
- 6. Standard Chartered aXcessPlus Account Features Minimum Balance Requirement Rs. 25,000 Interest Rate 3.5% p.a.* Above 50 lakh its 4% p,a Phone Banking, Online Banking Yes (If Minimum Average Quarterly Balance is maintained) ATM Cash Withdrawals Free Debit Card International Debit Card Eligibility Criteria Indian Resident, Foreign National, HUF AXcessPlus Account Eligibility Criteria Following can open Standard Chartered aXcessPlus Account: Resident Individual Foreign National Hindu Undivided Family (HUF) KYC As per RBI Norms
- 7. Standard Chartered Parivaar Account Features Minimum Balance Requirement Rs. 25,000 per quarter Interest Rate 3.5% p.a.* Phone Banking, Online Banking Yes Number of Accounts Linked Maximum 4 aXcessPlus Savings Account Debit Card Free Platinum International Debit Card for first year Eligibility Criteria Resident Individual, Foreign National Parivaar Account provides a unique banking solution to grow and preserve your family’s wealth. Eligibility Criteria Resident individual Foreign national KYC As per RBI Norms Parivaar Account
- 8. SCB Credit Card Joining Fee (in Rs.) Annual Fee (in Rs.) Key Feature Standard Chartered Manhattan Platinum Card 999 999 (Waived on spending Rs. 1,20,000 in a year) 5% direct cash back on departmental stores and supermarkets spends Standard Chartered Platinum Rewards Card 250 250 (Waived on spending Rs. 30,000 in a year) 5X reward points when you use the card for dining, fuel and hotel spends Standard Chartered Super Value Titanium Card 750 750 (Waived on spending Rs. 60,000 in a year) 5% cash back on fuel transactions, telecom and utility bill payments Standard Chartered landmark reward Platinum Card 250 250 9x reward points on groceries, home and lifestyle shopping. CREDIT CARD
- 9. LOAN HOME LOAN PERSONAL LOAN interest Rate 9.11% onwards Processing Fee Upto 1% of loan amt. Loan Tenure Upto 25 years Loan Amount Rs. 35 crores Cheque Bounce Charges Rs.500 per instance Prepayment or Foreclosure Charges NIL for part pre-payments less than 25%of the principal outstanding in a calendar year Type of Fees Charges Applicable Interest Rate 10.99% onwards Processing Fee Up to 2.25% of the Loan Amount Pre-Payment Charges 12-24 Months: 4% of the Principal Outstanding 25-36 Months: 2% of the Principal Outstanding More than 36 Months: 1% of the Principal Outstanding Late Payment Fees Rs. 495 Documentation and administration charges In case of top up loans, the bank charges certain documentation charges standing at 2.5% of the net loan amount.
- 10. Proof of Identity Proof of Address Proof of Income • PAN Card • Aadhaar Card • Voter’s ID Card • Passport • Driving License • Aadhaar Card • Passport • Utility bills (not more than 3 months old) • Any other gov. approved ID • Bank statement for the last 3 months • Salary slips for the last 3 months • Audited financials for the last two years (for self-employed) • Form 16 KYC for Credit card & Loan
- 11. TERM DEPOSIT Domestic / NRO (Interest rates are per annum) FD Tenure Standard Chartered Bank Fixed Deposit Interest Rate (Less Than Rs.1 Crore) Regular Individual Senior Citizens Rate (Only for Resident)** 181- 364 days 7.00% 7.00% 1yr – 375days* 7.40% 7.90% 376 – < 18 Months 7.00% 7.50% 18 Months < 2 Years* 7.50% 8.00% 2 Years < 3 Years 7.00% 7.50% 3 Years <= 5Years 6.50% 7.00%
- 12. FD Tenure Less Than Rs.1 Cr Rs.1 Cr < Rs.7.5 Cr 18M < 21 M 7.50% 7.70% 21M < 2 Yrs 7.50% 7.70% 2 Yrs < 3 Yrs 7.00% 7.15% 3 Yrs < 4 Yrs 6.50% 5.50% 4 Yrs <= 5 Yrs 6.50% 5.50% TERM DEPOSIT NRE* (Non Resident External) Fixed Deposit Interest Rates (per annum)