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By
YOGESH KUMAR .DS
Financial Services
Meaning
 Refers to services provided by the financial
institutions. Such as Banks, Insurance
Companies, Mutual Fund Companies, Venture
Capital companies, etc.
 In other words, Financial services as the products
offered by financial institution like loans, credit
cards, investment opportunities, stock market
services etc.
Characteristics or Features
 Financial Intermediation
 Customer oriented
 Intangibility
 Inseparable from Production and Consumption
 Tendency to Perish
 People and Machine Based services
 Market Dynamics
Functions of Financial Services
 Facilitating transactions
 Mobilizing the Savings
 Allocating the Capital
 Meet the Financial needs
 Transfer the Financial benefits
 Increase the efficiency and effectiveness of the
Financial Transactions
Types of Financial Services
 Based on Consumers
 Based on Fund utilization
 Based on Geography
 Based on Features
Based on Consumes
General Consumers Business Consumers
 Deposit Services
 Loan Services
 Insurance services
 Advisory Services
 Stock market
Services
 Foreign Exchange
Services
 Corporate Finance
 Risk Management
 Merchant Banking
 Loan Syndication
 Factoring
 Insurance Services
 Portfolio Management
Based on Fund Utilization
Fund Based Services
Non-fund Based
Services
 Underwriting Services
 Dealing in secondary
market activities
 Mutual Fund Services
 Venture Capital Fund
Services
 Loan Syndication, etc.
 Managing Capital
Issues
 Provide the Financial
Assistance for
marketing the securities
 Arrangement of Funds
 Assistance for seeking
the clearance form
regulating institutions
 Factoring
Mutual Funds
 It is a form of Financial Service, under this fund
raised by the company by sale of units to the public,
under one or more schemes, for investing in
securities.
 A form of Scheme
 Collected money in Small units
 Principle of Mutual benefits
 Under trust services
 Accordance with regulations
Investo
rs
Securitie
s
Returns Fund
Manager
Passed
Bank to
Invest in
Pool
their
Money
with
Generate
s
Mutual
Fund
Organization of Mutual Fund
 Sponsorship
 Trust
 Asset Management Company (AMC)
 Custodian
 Mutual Fund Schemes
 Transfer Agent
 SEBI (Regulator)
Classification of Mutual funds
 On the basis of Operation
Open End,
Closed End and
Interval Ended.
 On the basis of Geographical
Domestic Funds
Off Shore Funds
 On the basis of Investment Objectives
Income Scheme
Growth Scheme
Balanced Scheme
Tax Saving Scheme
Sector Funds
Index Funds
Money Market Funds
Gilt Funds

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Financial services

  • 2. Meaning  Refers to services provided by the financial institutions. Such as Banks, Insurance Companies, Mutual Fund Companies, Venture Capital companies, etc.  In other words, Financial services as the products offered by financial institution like loans, credit cards, investment opportunities, stock market services etc.
  • 3. Characteristics or Features  Financial Intermediation  Customer oriented  Intangibility  Inseparable from Production and Consumption  Tendency to Perish  People and Machine Based services  Market Dynamics
  • 4. Functions of Financial Services  Facilitating transactions  Mobilizing the Savings  Allocating the Capital  Meet the Financial needs  Transfer the Financial benefits  Increase the efficiency and effectiveness of the Financial Transactions
  • 5. Types of Financial Services  Based on Consumers  Based on Fund utilization  Based on Geography  Based on Features
  • 6. Based on Consumes General Consumers Business Consumers  Deposit Services  Loan Services  Insurance services  Advisory Services  Stock market Services  Foreign Exchange Services  Corporate Finance  Risk Management  Merchant Banking  Loan Syndication  Factoring  Insurance Services  Portfolio Management
  • 7. Based on Fund Utilization Fund Based Services Non-fund Based Services  Underwriting Services  Dealing in secondary market activities  Mutual Fund Services  Venture Capital Fund Services  Loan Syndication, etc.  Managing Capital Issues  Provide the Financial Assistance for marketing the securities  Arrangement of Funds  Assistance for seeking the clearance form regulating institutions  Factoring
  • 8. Mutual Funds  It is a form of Financial Service, under this fund raised by the company by sale of units to the public, under one or more schemes, for investing in securities.  A form of Scheme  Collected money in Small units  Principle of Mutual benefits  Under trust services  Accordance with regulations
  • 9. Investo rs Securitie s Returns Fund Manager Passed Bank to Invest in Pool their Money with Generate s Mutual Fund
  • 10. Organization of Mutual Fund  Sponsorship  Trust  Asset Management Company (AMC)  Custodian  Mutual Fund Schemes  Transfer Agent  SEBI (Regulator)
  • 11. Classification of Mutual funds  On the basis of Operation Open End, Closed End and Interval Ended.  On the basis of Geographical Domestic Funds Off Shore Funds
  • 12.  On the basis of Investment Objectives Income Scheme Growth Scheme Balanced Scheme Tax Saving Scheme Sector Funds Index Funds Money Market Funds Gilt Funds