Abhyudaya bank

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Abhyudaya bank

  1. 1. INTRODUCTION IT IS A CO OPERATIVE BANK. IT WAS ESTABLISHED IN JANUARY,1964. THE SHARE CAPITAL IN BEGINNING WAS RS.5000,. WITH 183 MEMBERS IN THE SOCIETY. CURRENT SHARE CAPITAL IS 45.33CR THE PURPOSE IS TO ENHANCE THE HABBIT OF SAVING AMONGST POOR & MIDDLE MAN. THE SECONDARY OBJECIVE IS TO PROVIDE FINANCE TO THE AGRICULTURE & RURAL PEOPLE. IT PROVIDES PLATFORM TO FINANCIALLY UNSOUNDED PEOPLE.
  2. 2. FUNCTIONS 1) ACCEPTING DEPOSITSDEPOSITS RATE OF INTRESTSAVING 4%CURRENT -RECCURING 4%FIXED 9.75%
  3. 3. 2)GRANTING LOAN’STYPE OF ABHYU ICICI DENALOAN DAYA BANK BANKPERSONAL 14.5% 16.5% 16%HOME 10.25% 11% 10.50%CAR 10.75% 14.75% 10.75%EDUCATION 12.5-13.5% 11% 14%
  4. 4. DIFFERENCS IN INTERESTAMOUNT ABHYUD DENA ICICI AYA (16%) (16.5%) (14.5%)100000 14500 16000 16500200000 29000 32000 33000300000 43500 48000 49500400000 58000 64000 66000
  5. 5. GRAPHICAL REPRESENTATION70000600005000040000 ABHYUDAYA30000 DENA ICICI2000010000 0 100000 200000 300000 400000
  6. 6. DIFFERENCE IN INT. ABHYUDAYA DENA ICICI
  7. 7. SERVICESANY BRANCH BANKINGATMDRAFT ALL OVER INDIACOLLECTION OF OUTSTANDING CHEQUEINTERNET BANKINGTELE BANKINGSMS BANKING
  8. 8. BENEFITS OF BANKING WITHDRAW CASH THROUGH ANY OF BANK BRANCHES ACCEPTING CHEQUE OTHER THAN PARENT BANK LOANS AT LOW RATE OF INTERST. QUICK TRANSACTIONS SPECIAL PLANS FOR LOANS-UDYOG VIKAS SCHEME FOR POOR PEOPLE SATISFACTORY SERVICES PROVIDED
  9. 9. OBJECTIVES TO PROVIDE SERVICES TO PEOPLE,,& NOT PROFIT EARNING. TO PROVIDE FRAMEWORK FOR CO OP. GOVERNENCE TO SAVE PEOPLE’S DEPOSTS & PRODUCE BENEFITS FOR THEM TO ACCEPT DEPOSIT & PROVIDE LOANS TO FARMERS TO MANAGE & CONTROL TO OTHER SMALL CO OP BANKS TO PROVIDE LOANS AT CHEAPER RATE TO MIDDLE CLASS PEOPLE TO WORK IN A DEMOCRATIC PRINCIPLE
  10. 10. NRI ACCOUNTREQUIREMENT:-• PASSPORT• 2PHOTOS• VISA• SERVICE CONTRACTINTREST:12-24MONTH 2.48%24-36MONTH 2.6436-60MONTH 2.84%
  11. 11. FOREIGN EXCHANGEABHYIDAYA BANK IS ONE OF THE SELECTED CO OP BANK TO DEAL IN FOREIGN EXCHANGEBANK HAS TIE UP WITH BOI & UAE EXCHANGEFOR FOREIGN EXCHANGE PURPOSE THE BANK IS USING SWIFT & NEFT TO PROVIDE EFFICIENT & PROMPT SERVICES

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