8/9/2019 A REPORT2

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A REPORT

ON

RETAIL BANKING: PRODUCT AND SERVICES

AT

BY

(SUNITA SAHA)

14BSP1538

AXIS BANK PRIVATE LIMITED

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A REPORT

ON

RETAIL BANKING: PRODUCT AND SERVICES

BY

(SUNITA SAHA)

14BSP1538

AT

AXIS BANK PRIVATE LIMITED

A Re!"# S$%&'##e ' *"#'*+ ,$+-++&e# !, #.e

"e/$'"e&e# !, CGPM P"!0"*& !,

IBS MUMBAI

D'#"'%$#'! +'#:

D S*#2**"*2** (B"*. He*)

Dee"* S$"' (P"!,e!" !, IBS MUMBAI)

D*#e O, S$%&''!:

3656715

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AUTHORIATION

 T.' ' #! *$#.!"'9e SUNITA SAHA #$e#

!, IBS MUMBAI #! !$# * "ee*". #$2 *

!&"'e * "e!"# ! RETAIL BANKING ;'#. AXIS

BANK PRIVATE LIMITED * * *"# !, ,$+-++&e# !,

CGPM '#e".'<

 T.e e"'! !, *="&e#'!e #$2 .*

#"e#.e ,"!& 7 !, M*". #! 3#. !, M*2 715<

C!&*2 G$'e: >*$+#2 G$'e:

D S*#2**"*2** Dee"* S$"'

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AKNO?LEDGEMENT

  D$"'0 #.e !$"e !, #.';!"@ #.e !#*# *!'*#'! ;'#. #.e &e&%e" !, AXIS

BANK .* %ee &!# $!"#'e * +e*$"*%+e< ?'#.!$#

#.e'" .e+ * !$e+ *+;*2 0ee"!$+2 *

$#'#'0+2 0'e #.e !&+e#'! !, #.' ;!"@ ;!$+

.*e %ee '&&e*$"*%+2 &!"e '=$+#<

  T.' ' * e"e'! !,

'e"e *"e'*#'! * #.*@,$+e ,!" #.e ;.!+e %*@#* ee'*++2 M"

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EXECUTIVE SUMMARY

 TITLE O> PROECT

FA S#$2 ! Re#*'+ B*@'0 ;'#. e'*+ "e,e"ee

#! AXIS BANK

STATEMENT O> THE PROBLEM

A #.e"e ' '&&ee !!"#$'#'e !, #.e "e#*'+

%*@'0 ' I'*< T.' D'e"#*#'! ' ! #.e '$e

* .*++e0e ' #.e "e#*'+ %*@'0 %e*$e !, #.e

!&e#'#'! !, #.e *"'!$ %*@ * #.e $#!&e"*#',*#'! !, #.e e"'e ;.'. #.e %*@ *"e

"!''0 * *# #.e *&e #'&e #! !+e #.e

!&+*'# !, #.e $#!&e" * &*'#*''0 #.e

!$ "e+*#'!.' ,!" #.e ,$#$"e * %2 #.' ;*2 #!

e#'&*#e #.e ,$#$"e 0"!;#. !, #.e "e#*'+ %*@'0<

C!#

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OBECTIVES

1< T! #$2 #.e '$e * .*++e0e ' "e#*'+%*@'0

7< T! #$2 #.e "ee# #"e ' "e#*'+ %*@'0

3< T! e$"e .'0. *#',*#'! +ee+ * "e$ee"e#*0e !, !&+*'# !, $#!&e" ' "e#*'+

%*@'0<

4< T! e#'&*#e #.e ,$#$"e 0"!;#. !, I'* "e#*'+

%*@'0<

5< T! $e"#* O#'&'9*#'! !, "e#*'+ %*@'0

.*e+<

< T! $00e# #"*#e0'e ,!" '&"!e&e# 'C$#!&e" Se"'e

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 TABLE O> CONTENT

A$#.!"'9*#'!

A@!;@e0e&e#

A%#"*#

1

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Meaning of Banking:-

>'*e ' #.e +',e %+!! !, #"*e !&&e"e * '$#"2< N!;J*J

*2 %*@ &!e2 *# * #.e %*@%!e !, &!e" %$'e<

Dee+!&e# !, *2 !$#"2 &*'+2 ee $! #.e %*@'0

2#e&< T.e #e"& %*@ e"'e ,"!& #.e >"e. ;!" Banco

;.'. &e* * Bench or Money exchange table.  I !+e

*2 E$"!e* &!e2 +ee" !" &!e2 .*0e" $e #!

'+*2 (.!;) !' !, 'e"e# !$#"'e ' %'0 .e* (/$*#'#2)

! %e.e !" #*%+e ,!" #.e $"!e !, +e'0 !" e.*0'0<

A %*@ ' * -*'*+ '#'#$#'! ;.'. e*+ ;'#. e!'# *

**e * !#.e" "e+*#e e"'e< I# "ee'e &!e2 ,"!&

#.!e ;.! ;*# #! *e ' #.e ,!"& !, e!'# * '# +e

&!e2 #! #.!e ;.! ee '#<

Denition of Banking:-

Oxford Dictionary  e-e * %*@ * F* e#*%+'.&e# ,!"

$#!2 !, &!e2 ;.'. '# *2 !$# ! $#!&e" !"e"

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Banking Regulation Act of 199 dene! Banking a!

F*e#'0 ,!" #.e $"!e !, +e'0 !" 'e#&e# !, #.e

e!'# ;.'. *"e *e#e ,"!& #.e $%+' ;.'. *"e "e*2*%+e

! e&* '

8/9/2019 A REPORT2

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  T.e -"# %*@ ' I'* #.!$0.

!e"*#'e ;* e#*%+'.e ' 18< #.e !$"e2 !, I'*

B*@'0 S2#e& * %e e0"e0*#e '#! #."ee '#'# .*e<

(ha!e 1 ) 1*+, to 19,9

• 18 : T.e Gee"*+ B*@ !, I'*

• Ne# *&e B*@ !, H'$#* * Be0*+ B*@<

•  T.e E*# I'* C!&*2 e#*%+'.e B*@ !, Be0*+ (18)

B*@ !, B!&%*2 (184) * B*@ !, M*"* (1843) *

'eee# $'# * *++e '# P"e'e2 B*@<

•  T.ee #."ee %*@ ;e"e *&*+0*&*#e ' 17 * I&e"'*+

B*@ !, I'* ;* e#*%+'.e ;.'. #*"#e * "'*#e

.*"e.!+e" %*@<

• I 185 A++*.*%* B*@ ;* e#*%+'.e * -"# #'&e

e+$'e+2 %2 I'* P$*% N*#'!*+ B*@ L#< ;* e# $

' 184 ;'#. .e*/$*"#e" *# L*.!"e<

• Be#;ee 1 * 113 B*@ !, I'* Ce#"*+ B*@ !, 

I'* B*@ !, B*"!* C**"* B*@ I'* B*@ * B*@

!, M2!"e ;e"e e# $<

• Ree"e B*@ !, I'* *&e ' 135<

During the r!t ha!e the gro/th /a! 0ery !lo/

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• B*@ *+! ee"'ee e"'!' ,*'+$"e %e#;ee 113 *

148<

•  T.e"e ;e"e *"!'&*#e+2 11 %*@ &!#+2 &*++<

• #.e G!e"&e# !, I'* *&e $ ;'#. T.e B*@'0

C!&*'e A# 14 ;.'. ;* +*#e" .*0e #! B*@'0

Re0$+*#'! A# 14 * e" *&e'0 A# !, 15 (A# N!< 73

!, 15)<

• Ree"e B*@ !, I'* ;* e#e ;'#. e#e'e !;e" ,!"

#.e $e"''! !, %*@'0 ' I'* * #.e Ce#"*+ B*@'0

A$#.!"'#2<

(ha!e

• I 155 '# *#'!*+'e I&e"'*+ B*@ !, I'* ;'#. e#e'e

%*@'0 ,*'+'#'e ! * +*"0e *+e e'*++2 ' "$"*+ * e&'J

$"%* *"e*<

• I# ,!"&e S#*#e B*@ !, I'* #! *# * #.e "''*+ *0e# !, 

RBI• B*@ ,!"&e $%''*"2 !, S#*#e B*@ !, I'* ;e"e

*#'!*+'e<

• I# ;* #.e e!"# !, #.e #.e P"'&e M''#e" !, I'* M"<

I'"* G*.'<

• 14 &*!" !&&e"'*+ %*@ ' #.e !$#"2 ;* *#'!*+'e<

•  T.e %"*.e !, #.e $%+' e#!" %*@ I'* "!e #!

*"!'&*#e+2 8 ' e!'# * **e #!!@ * .$0e

 $& %2 11<

(ha!e 2

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•  T.' .*e .* '#"!$e &*2 &!"e "!$# * ,*'+'#'e

' #.e %*@'0 e#!" ' '# "e,!"& &e*$"e<

• I 11 $e" #.e .*'"&*.' !, M N*"*'&.* *

!&&'##ee ;* e# $ %2 .' *&e ;.'. ;!"@e ,!" #.e+'%e"*+'*#'! !, %*@'0 "*#'e<

•  T.e !$#"2 ' !!e ;'#. ,!"e'0 %*@ * #.e'" ATM

#*#'!<

• E!"# ;e"e %e'0 $# #! 0'e * *#',*#!"2 e"'e #!

$#!&e"<

• P.!e %*@'0 * e# %*@'0 ;* '#"!$e<

•  T.e e#'"e 2#e& %e*&e &!"e !e'e# * ;',#<

•  T'&e ;* 0'e &!"e '&!"#*e #.* &!e2<

3ationali!ation of Bank! in #ndia:-

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De'#e #.e "!''! !#"!+

* "e0$+*#'!

!, Re!er0e Bank of #ndia

%*@ ' I'* ee# #.e

4tate Bank of #ndia !" SBI

!#'$e #! %e !;e *

!e"*#e %2 "'*#e e"!<

B2 #.e 1 #.e I'*

%*@'0 '$#"2 .*

%e!&e * '&!"#*# #!!+ #!,*'+'#*#e #.e ee+!&e# !,  

#.e #ndian econo&y. A# #.e *&e #'&e '# .* e&e"0e * *

+*"0e e&+!2e" * * e%*#e .* e$e *%!$# #.e

*#'!*+'9*#'! !, #.e %*@'0 '$#"2< #ndira 5andhi

#.e (ri&e Mini!ter of #ndia e"ee #.e '#e#'! !, 

#.e 5o0ern&ent of #ndia  ' #.e *$*+ !,e"ee !, #.e A++

I'* C!0"e Mee#'0 ' * *e" e#'#+e FS#"*2 #.!$0.# !

B*@ N*#'!*+'*#'!

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!&&e"'*+ %*@ ;'#. ee# ,"!& #.e &''0.# !, $+2 1 1<

 6ayaraka!h 3arayan% * *#'!*+ +e*e" !, I'* e"'%e #.e

#e * * 7&a!ter !troke of olitical !agacity.8  ;'#.' #;!

;ee@ !, #.e '$e !, #.e !"'*e #.e *"+'*&e# *e #.e

B*@'0 C!&*'e (A/$''#'! * T"*,e" !, $e"#*@'0) B'++

* '# "ee'e #.e "e'e#'*+ *"!*+ ! #. A$0$# 1<

  A e! !e !, 

*#'!*+'9*#'! !, &!"e !&&e"'*+ %*@ ,!++!;e ' 18< T.e

#*#e "e*! ,!" #.e *#'!*+'9*#'! ;* #! 0'e #.e 0!e"&e#

&!"e !#"!+ !, "e'# e+'e"2< ?'#. #.e e! !e !, 

*#'!*+'9*#'! #.e G!e"&e# !, I'* !#"!++e *"!$ 1 !, 

#.e %*@'0 %$'e !, I'*< L*#e" ! ' #.e 2e*" 13 #.e

0!e"&e# &e"0e 3e/ Bank of #ndia /ith (un'ab 3ational

Bank .  I# ;* #.e !+2 &e"0e" %e#;ee *#'!*+'9e %*@ *

"e$+#e ' #.e "e$#'! !, #.e $&%e" !, *#'!*+'e %*@

,"!& 7 #! 1< A,#e" #.' $#'+ #.e 1 #.e *#'!*+'e %*@

0"e; *# * *e !, *"!$ 4 +!e" #! #.e *e"*0e 0"!;#. "*#e !, 

#.e I'* e!!&2

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&ergence of (ri0ate Bank!:-

• P"'*#e %*@'0 ' I'* ;* "*#'e 'e #.e %e0''0 !, 

%*@'0 2#e& ' I'*<

•  T.e -"# P"'*#e B*@ ' I'* #! "ee'e * ' "''+e

*"!*+ ,"!& #.e Ree"e B*@ !, I'* ;* H!$'0

Dee+!&e# >'*e C!"!"*#'! L'&'#e<

• I# ;* '!"!"*#e ' A$0$# 14 * HD>C B*@ L'&'#e

;'#. "e0'#e"e !=e ' M$&%*' * !&&ee !e"*#'!

* S.e$+e C!&&e"'*+ B*@ ' *$*"2 15<

• i!t of (ri0ate Bank! in #ndia:-

• B*@ !, P$*% 

http://finance.indiamart.com/investment_in_india/bank_of_punjab.htmlhttp://finance.indiamart.com/investment_in_india/bank_of_punjab.html

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• B*@ !, R**#.* 

• C*#.!+' S2"'* B*@ 

• Ce#$"'! B*@ 

• C'#2 U'! B*@ 

• D.**+*@.&'  B*@ 

• Dee+!&e# C"e'# B*@ 

• >ee"*+ B*@ 

• HD>C B*@ 

• ICICI B*@ 

• IDBI B*@ 

• I$I B*@ 

• ING V22* B*@

•  *&&$ K*.&'" B*@ 

• K*"*#*@* B*@ 

• K*"$" V22* B*@ 

• L*&'  V'+* B*@ 

• U'#e ?e#e" B*@ 

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• UTI B*@ 

Re#*'+ B*@'0:

  Retail banking ' #.e

'"e# ee$#'! !, #"**#'! %e#;ee * %*@ * '#!$&e" "*#.e" #.* ;'#. !"!"*#'! !" !#.e" %*@<

Se"'e !e"e '+$e *'0 * #"**#'!*+

*!$# &!"#0*0e e"!*+ +!* e%'# *"

* "e'# *"< T.e #e"& ' 0ee"*++2 $e #! '#'0$'.

#.ee %*@'0 e"'e ,"!& 'e#&e#

%*@'0 !&&e"'*+ %*@'0 !" ;.!+e*+e %*@'0< I#

&*2 *+! %e $e #! "e,e" #! * '''! !, * %*@ e*+'0;'#. "e#*'+ $#!&e" * * *+! %e #e"&e * Pe"!*+

B*@'0 e"'e<

  I #.e US #.e #e"&

C!&&e"'*+ %*@ ' $e ,!" * normal %*@ #! '#'0$'.

'# ,"!& * 'e#&e# %*@< A,#e" #.e 0"e*# e"e'!#."!$0. #.e G+*QS#e*0*++ A# #.e U

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1< C!&&e"'*+ %*@ * *+! "e,e" #! * %*@ !" *

'''! !, * %*@ #.*# &!#+2 e*+ ;'#. e!'# *

+!* ,"!& !"!"*#'! !" +*"0e %$'ee * !!e

#! '''$*+ &e&%e" !, #.e $%+' ("e#*'+ %*@'0)<

C.*++e0e !, Re#*'+ B*@'0:

I, *++ .*++e0e .!; %e+!; *"e ,*e %2 #.e %*@ ;'#.$#&!# *"e * e+'%e"*#'! #.e "e#*'+ %*@'0 '

ee#e #! +*2 * e"2 '&!"#*# "!+e ' !&'0 2e*"

* ' *e !, !#.e" e#!"<

T.e '$e !, &!e2 +*$e"'0 ' e"2 '&!"#*# '

"e#*'+ %*@'0< T.' !&e+ *++ #.e %*@ #! !'e"

e"'!$+2 *++ #.e !$&e# ;.'. #.e2 *e# ;.'+e

*"!'0 #.e +!*<

T.e '$e !, !$#!$"'0 .* %e!&e e"2 '&!"#*# '

"ee# *# %e*$e *"'!$ !"e *#''#'e $. *

.*";*"e * !,#;*"e &*'#e*e e#'"e ATM e# $

* !e"*#'! ('+$'0 *. "e-++'0) e#

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&ee# $#!&e" ee * "e/$'"e&e# ' #e"& !,

e"'e6"!$# e#<

C!#

B*@ *"e ee#e #! #*@e $#&!# *"e #! "e#*' #.e

!0!'0 #"$# !, #.e $%+'<

T.e eee2 ! #e.!+!02 .* %"!$0.# IT

e*"#&e# *'#'!*+ "e!'%'+'#'e * .*++e0e '

&**0'0 &*'#*''0 * !#'&'9'0 #.e e",!"&*e

!, "e#*'+ %*@'0 e#;!"@< I# ' e/$*++2 '&!"#*# #.*#

%*@ .!$+ &*'#*' e$"'#2 #! #.e **e +ee+ #!

@ee #.e ,*'#. !, #.e $#!&e"<

T.e e='e2 !, !e"*#'! ;!$+ "!'e #.e!&e#'#'e e0e ,!" #.e $e ' "e#*'+ %*@'0 '

!&'0 2e*"<

T.e $#!&e" "e#e#'! ' !, *"*&!$# '&!"#*# ,!"

#.e "!-#*%'+'#2 ', "e#*'+ %*@'0 %$'e ! %*@ ee

#! "e#*' #.e'" $#!&e" ' !"e" #! '"e*e #.e &*"@e#

.*"e<

Oe !, #.e "$'*+ '&e'&e# ,!" #.e 0"!;#. !, #.'

e#!" ' #.e *$#e .!"#*0e !, &*!;e" #*+e# !, #.'

e'- *#$"e * &!e" %*@'0 "!,e'!*+ ,!" *

&!e" %*@'0 e#!"

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HISTORY O> AXIS BANKING:

199-199*

• I!"!"*#e * UTI B*@ .e*/$*"#e"e ' M$&%*'<

• >'"# B"*. '*$0$"*#e *# A.&e*%* <

• C!&+e#e -"# "!-#*%+e 2e*" ' !e"*#'! ' 15<

• De!'# "!e R'*'*+ *'!"2 e"'e * eJ!&&e"e

'#"!$e<

• Se! +*"0e# ATM e#;!"@ ' #.e !$#"2 ;'#. 7

ATM

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;;1-;;<

•

P"'*#e +*e&e# !, 7 #*@e #! CDC C*'#*+P*"#e"<

• De!'# "!e R

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;;9

• A' B*@ #!*2 *' '# %!*" .* "e!&&ee #.e

*!'#&e# !, S.'@.* S.*"&* $""e#+2 .'e, !,

ICICI 0"!$ +',e '$"*e %$'e * '# e#

&**0'0 '"e#!" * CEO<

• A' B*@ .* e# $ * e; %"*. *# Pe"$&%*!!"< T.e %*@ .* * e#;!"@ !, 837 %"*.e *+!0 ;'#. 8

e#e'! !$#e" * 377 ATM *"! #.e

!$#"2<

• A' B*@ ! ?ee*2 e#e"e '#! * #"*#e0'

*++'*e ;'#. M!#'+*+ O;*+ #.e -*'*+ e"'e

-"& ' !"e" #! ,*'+'#*#e #.e !+'e #"*'0 ,!" #.e

%*@ $#!&e"<

• AXIS B*@ L# .* ',!"&e #.*# #.e B!*" !,

D'"e#!" !, #.e B*@ *# '# &ee#'0 .e+ ! $e 1

7 '$#e S< S.'@.* S.*"&* * * A'#'!*+

D'"e#!" !, #.e B*@<

• A' %*@ .* "ee'e -*+ +e*"*e ,"!& #.e

Se$"'#'e * E.*0e B!*" !, I'* (SEBI) #!

%e0' '# &$#$*+ ,$ !e"*#'! * ;'++ +*$. e%#

* e/$'#2 .e&e !! ;.e"e* IDBI B*@ '

*;*'#'0 #.e "e0$+*#!" e"&'# ,!" * e#"2

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• A' B*@ !ee #.e e; %"*. *# I"'*+*@$*

;.'+e '# .* * e#;!"@ !, 87 %"*.e 8 e#e'!

!$#e" * 38 ATM *"! #.e !$#"2<

;1;

• A' B*@ L'&'#e .* ',!"&e #.*# *# #.e &ee#'0

!, #.e B!*" !, D'"e#!" .e+ ! *$*"2 15 71

#.e ,!++!;'0 e''! ;e"e #*@e:1< T! *!'# D"< A*". K'.!"e ,!"&e" >'*e

Se"e#*"2 G!e"&e# !, I'* * ,!"&e" Ee$#'e

D'"e#!" I#e"*#'!*+ M!e#*"2 >$ "e"ee#'0

B*0+*e. B.$#* I'* * S"' L*@* * #.e N!J

Ee$#'e C.*'"&* !, #.e B*@ $%e# #! RBI

*"!*+

7< T! *!'# S."' S

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• A' B*@ !ee * %"*. ' C!+!&%! ' O#!%e"

711 * * L'ee C!&&e"'*+ B*@ $e"'e %2

#.e Ce#"*+ B*@ !, S"' L*@*<

• A+! ' 711 A' B*@ !ee * "e"ee#*#'e

!=e ' A%$ D.*%'<

;12

• I 713 A' B*@ $%''*"2 A' B*@ UK

!&&ee %*@'0 !e"*#'!< A' B*@ UK .* *

%"*. ' L!!<

;1

• I 714 A' B*@ $0"*e '# "e"ee#*#'e !=e

' S.*0.*' #! * %"*.<

•  A ! 31JM*"J714 #.e B*@ .* * e#;!"@ !, 747

%"*.e * e#e'! !$#e" * 1777 ATM<

•

A' B*@ .* #.e +*"0e# ATM e#;!"@ *&!0"'*#e %*@ ' I'* * '# !e"*#e * ATM *# !e

!, #.e ;!"+ .'0.e# '#e *# T.e0$ S'@@'& *# *

.e'0.# !, 473 &e#e" (137 ,#) *%!e e* +ee+

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• N$&%e" !, e&+!2ee *"e 4747 * e" #.e *#* !,

31# &*". 714

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PRODUCTS O> AXIS BANK 

A!$#:

S*'0 A!$#:

• E*2 *e *'0 *!$#<

• P"'&e *'0 *!$#<

• >$#$"e #*" *'0 *!$#<

• P"'&e +$ *'0 *!$#<

•  Y!$#. *'0 *!$#<

• ?!&e *'0 *!$#<

• Se'!" "''+e0e *'0 *!$#<

• Pe'! *'0 *!$#<

•  T"$#6NGO *'0 *!$#<

•  T.e '$"*e *0e# *'0 *!$#<

C!#

• B*' *'0 *!$#

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• S&*++ %*' *'0 *!$#<

C$""e# A!$#:

• Re'e# ,!"e'0 $""e2 (!&e#') *!$#<

• Re0$+*" $""e# *!$#<

• L!*+ $""e# *!$#<

• B$'e **#*0e *!$#<

• B$'e e+e# *!$#<

• B$'e +*' *!$#

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• P"'&e *+*"2 *!$#<

•P"'!"'#2 *+*"2 *!$#<

• ?e*+#. *+*"2 *!$#<

• De,ee *+*"2 *!$#<

• E&+!2ee "e'&%$"e&e# *!$#<

A0"' * R$"*+ A!$#:

• K"'.' S*'0 *!$#<

•

K"'.' C$""e# *!$#

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DEPOSITS:

Pe"!*+:

• >'e e!'#<

  A' B*@ !e"

&$+#'#$e !, -e e!'# .e&e ,!" *"'!$ $"*#'!< I#

!e" '&+e "e'e#&e# >'e De!'# (*# e"2

!&e#'#'e '#e"e# "*#e) ;.'. * %e !ee ;'#. *

&''&$& 'e#&e# !, R 1< Y!$ * &*@e *'#'!

#! 2!$" e!'# ' &$+#'+e !, Re 1 #.e"e*,#e"< T.e #e$"e !,

2!$" -e #e"& e!'# &$# %e * &''&$& !, &!#.<

• Re$""'0<

  A' B*@ Re$""'0

De!'# .e&e ;'++ *++!; 2!$ ;'#. * !!"#$'#2 #! %$'+

$ 2!$" *'0 #."!$0. "e0$+*" &!#.+2 e!'# !, -e

$& !e" * -e e"'! !, #'&e<  I# ' '&!"#*# #! !#e #.*# #.e U'!

B$0e# 715 .* e*e #.e e-'#'! !, Te"& e!'# #!'+$e Re$""'0 De!'# * ;e++ * &!'-e #.e '#e"e#

ee&#'! +'&'# !, R< 16J e" B"*. #! "e* *

R ID ', #.e ee&#'!

+'&'# !, !&e $#!&e" *"e %"e*.e (e'#e $%&''!

!, #.e >!"& 15G6 H) ;!$+ %e +'*%+e ,!" e$#'! !, #*

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• S*e #* -e e!'#<  I #.e >'*e B'++

!, 7 #.e 0!e"&e# .* *!$e T* %ee-# #!

B*@ Te"& De!'# ;.'. *"e !, !e" 5 2e*" #e$"e $6 8C

!, IT A# 11 'e N!#'-*#'! N$&%e" 7367 *

SO177 (E) *#e 78667< T.e *+'e# !'# !, #.e .e&e !#'-*#'! *"e (*) >'e

#e$"e ;'#.!$# "e&*#$"e ;'#."*;*+< (%) Ye*" ' e-e * *

-*'*+ 2e*"< () A&!$# +'&'#e #! R< 1 &''&$& *

R< 15 &*'&$&< () B*@ ;'++ '$e * >'e De!'#

Ree'# #.*# .*++ %e #.e %*' !, +*'&'0 #* %ee-#< (e)

 Te"& e!'# $e" #.' .e&e *!# %e +e0e #! e$"e

* +!*<

• E*. 74 >+e' e!'#<  T.e E*. 74 (>+e' De!'#)

0'e 2!$ #.e +'/$''#2 !, * S*'0 A!$# !$+e ;'#.

.'0. e*"'0 !, * >'e De!'#< T.' ' *.'ee %2 "e*#'0

* >'e De!'# +'@e #! 2!$" S*'0 A!$# "!''0 2!$

#.e ,!++!;'0 $'/$e ,*'+'#'e:

1

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• NRE "$ee e!'#<

• NRE "e$""'0 e!'#<

• NRO "$ee e!'#<

• NRO "e$""'0 e!'#<

• NRI "!J"$ee e!'#<

• NRI ,!"e'0 $""e2 e!'#<

• >!"e'0 $""e2 !J"e'e# (>CNR) e!'#<

• Re'e# ,!"e'0 $""e2 #e"& e!'#

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CARDS:

DEBIT CARDS:

o (re&iu& card!

  Burgundy /orld debit card

o P"'ee e%'# *"

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?e*+#. e%'# *"<

P"'!"'#2 P+*#'$& e%'# *"<

P"'!"'#2 P+*#'$& .' e%'# *"

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o Se0&e#e *"

 Y!$#. C*"

L*'e >'"# e%'# *"

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CREDIT CARDS

o P"e&'$& C*"<

S'0*#$"e C"e'# C*" ?'#. L',e#2+e Bee-#

S'0*#$"e C"e'# C*" ?'#. T"*e+ Bee-#

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o M2 C*"

M2 .!'e "e'# *"

M2 9!e "e'# *"

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M2 ;'0 C"e'# *"

M2 %$'e "e'# *"

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o O#.e" C"e'# C*"

 T'#*'$& &*"# #"*e+e" "e'# *"

P+*#'$& "e'# *"

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I#* E*2 P+*#'$& "e'# *"

S."'"*& C"e'# *"

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LOANS

1

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7

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• S'&+e "!e$"e &''&*+ !$&e#*#'! * /$'@

*"!*+

3 P*"#e".' -"&

L'&'#e L'*%'+'#2 P*"#e".' >'"& T"$# S!'e#'e *

C!&*'e

  B*@'0 $""!0*#e .e&e **'+*%+e

  L!* !e"e ,"!& R< 1 L*@. !;*"

  C*" L!* #e$"e ,"!& 1 2e*" #! 2e*"

  C*+$+*#e 2!$" &!#.+2 !$#0! ;'#. !$" C*" L!* EMI

C*+$+*#!"

  Se'*+ %ee-# **'+*%+e ,!" P"'!"'#2 B*@'0 ?e*+#.

B*@'0 * P"'ee %*@'0 $#!&e"< T! @!; &!"e!#*# 2!$" Re+*#'!.' M**0e" #!*2

  Se'*+ S$""!0*#e S.e&e **'+*%+e ,!" C+$% 5 *

C.*e+ Oe C$""e# A!$# $#!&e"

  Se'*+ S.e&e ,!" A' B*@ S*+*"2 A6C $#!&e"

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8/9/2019 A REPORT2

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4

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8/9/2019 A REPORT2

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5*'+'#2 $#! 85 !, e$"'#2 *+$e

• I#e"e# .*"0e ! *#$*+ *&!$# $#'+'9e

• N! EMI !" !# *#e .e/$e "e/$'"e

• N! "e *2&e# .*"0e

• C.e/$e %!!@ ,*'+'#2

• ATM ,*'+'#2

•  Te"& L!* ,*'+'#2 **'+*%+e *0*'# e+e# e$"'#'e

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8*'+'#2 ;'++ %e "ee;e 6 "e'e;e *,#e" 17 &!#.

,"!& #.e *#e !, *#'!

• I#e"e# .*"0e ! *#$*+ *&!$# $#'+'9e J ! EMI

!" !# *#e .e/$e "e/$'"e

• S.*"e * %e +e0e ,"!& *2 De!'#!"2

P*"#''*# *"! #.e !$#"2

• C.e/$e %!!@ ,*'+'#2

• ATM ,*'+'#2

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8/9/2019 A REPORT2

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1

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SERVICES O> AXIS BANK 

A!$# Oe'0

  A $#!&e" ,!"&*+ "e+*#'!.'

;'#. *2 %*@ %e0' ;'#. A!$# Oe'0< I !$" %*@

*!$# !, #.e $#!&e" *"e $$*++2 !# !ee *#%"*.e<

 T.e *+'*#'! (@!; *

A!$# Oe'0 >!"& !" AO>) *"e "ee'e "$#''9e

* #.e ,!";*"e #! e#"*+ "!e'0 $'# (CPU) *

;.e"e #.e2 *"e ee#$*++2 !ee<

  I !"e" #! "ee#

&'$e !, %*@'0 .*e+ ,!" e"e#"*#'! !, -*'*+

,"*$ &!e2 +*$e"'0 -*'*+ #e""!"'& e#

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ACCOUNT CLOSING

  T.e "e/$e# ,!" +!'0 #.ee!'# *!$# .!$+ %e &*e !+2 *# #.e .!&e %"*.

%2 *++ #.e e!'#!" $e" #.e'" !'# '0*#$"e

'""ee#'e !, #.e !e"*#'0 '#"$#'!< I e"2 e'*+

*e "e/$e# ,!" +!'0 !, #.e e!'# &*2 *+! %e

&*e *# *2 !, !$" %"*.e ;.! ;'++ %e ,!";*"'0 #.e

"e/$e# #! #.e !e"e .!&e %"*.<

  I #.e "e/$e# !,+!'0 #.e *!$# #.e &!e !, "e&'##*e (%2 De&*

D"*,#6PO) &*2 *+! %e !%#*'e<

ACCOUNT MODI>ICATION

• A'0 * !'# A!$# .!+e":

 T.e $#!&e" &$# -++ $ #.e !'# *!$# .!+e" ,!"&

* $%&'# #;! .!#!0"*. !, #.e "!!e !'# .!+e"

*+!0 ;'#. #.e'" 'e#'#2 * '0*#$"e<

• A'06M!',2'0 * N!&'ee:

 T.e $#!&e" &$# -++ $ #.e !&'*#'! ,!"&< T.e #.e

%"*. !='*+ &$# e"',2 #.e '0*#$"e !, #.e $#!&e"

! #.e ,!"&<

C!#

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;e%'#e ;;;

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KYC ;'++ *+! %e *""'e !$# ' "ee# !, !J*!$#

.!+e" *"!*.'0 #.e %*@ ,!" .'0. *+$e !eJ!

#"**#'!

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I$e !, C.e/$e B!!@:

  T.e C!&&'##ee .* !%e"e #.*# !&e%*@ ! !# *++!; e!'#!" #! !++e# #.e'" .e/$e

%!!@ *# #.e %"*. %$# ''# ! '*#.'0 #.e .e/$e

%!!@ %2 !$"'e" #! #.e e!'#!"< >$"#.e" '# ' #*#e %2

#.e C!&&'##ee #.*# #.e e!'#!" ' ,!"e #! '0 *

e+*"*#'! #.*# * e*#. %2 #.e !$"'e" ' *# #.e

e!'#!" "'@ * !e/$ee * #.*# #.e e!'#!"

.*++ !# .!+ #.e %*@ +'*%+e ' *2 &*e" ;.*#!ee"' "ee# !, $. e*#. !, .e/$e %!!@< C!&&'##ee

.* !%e"e #.' * * $,*'" "*#'e * *'e %*@

#! "e,"*' ,"!& !%#*''0 $. $e"#*@'0 ,"!&

e!'#!"< B*@ .!$+ *+! e$"e #.*# .e/$e %!!@

*"e e+'e"e !e" #.e !$#e" ! "e/$e# #! #.e

e!'#!" !" .' *$#.!"'9e "e"ee#*#'e<

C.e/$e "! %! >*'+'#2:

  RBI C!&&'##ee ! P"!e$"e *

Pe",!"&*e A$'# ! P$%+' Se"'e .* "e!&&ee

#.*# %!#. #.e "! %! ,*'+'#2 * #.e ,*'+'#2 ,!"*@!;+e0e&e# !, #.e .e/$e *# #.e "e0$+*" !++e#'!

!$#e" .!$+ %e **'+*%+e #! $#!&e" * ! %"*.

.!$+ "e,$e #! 0'e * *@!;+e0e&e# ', #.e

$#!&e" #ee" #.e .e/$e *# #.e !$#e"

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S#*#e&e# !, A!$# 6 P* B!!@:

  T.e C!&&'##ee .* !#e #.*#%*@ '*"'*%+2 .!; #.e e#"'e ' e!'#!"

*%!!@ 6 #*#e&e# !, *!$# * WB2 C+e*"'0W !"

WB2 C.e/$eW< >$"#.e" ' #.e *e !, E+e#"!' C+e*"'0

S2#e& (ECS) * RBI E+e#"!' >$ T"*,e" (RBIE>TR)

%*@ '*"'*%+2 ! !# "!'e *2 e#*'+ ee #.!$0.

%"'e, *"#'$+*" !, #.e "e&'##*e *"e "!'e #! #.e

"ee''0 %*@< I !&e *e !&$#e"'9e e#"'e $e

!.'#'*#e !e ;.'. $# *!# %e e'.e"e<

  ?'#. * 'e; #! *!''0

'!e'ee #! e!'#!" %*@ *"e *'e #! *!'

$. '"$#*%+e e#"'e ' *%!!@ #*#e&e# !,

*!$# * e$"e #.*# %"'e, '#e++'0'%+e *"#'$+*" *"e

'*"'*%+2 e#e"e ' *%!!@ 6 #*#e&e# !, *!$#

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I#e"e# B*@'0

 T.e "'&*"2 !%e#'e !, "!''0 '#e"e# %*@'0 ' #!

"e*#e *;*"ee !, ,*# 0"!;#. ' .*e+ * e"'e

ee'*++2 '#e"e# %*@'0<

I#e"e# %*@'0 e"'e !e"e %2 ,$++2 #"**#'!*+

;e%'#e *++!; $#!&e" #! !e"*#e ! #.e'" *!$# ,!"

#"*,e" !, ,$ *2&e# !, 'e"e# %'++ $%"'%'0

#! !#.e" "!$# !, #.e %*@ * #! #"**# $".*e

* *+e !, e$"'#'e<

>e*#$"e * I$e !, I#e"e# B*@'0:

A %*@ $#!&e" * e",!"& #"**#'!*+ #*@ #."!$0.

!+'e %*@'0 '+$'0:

• V'e;'0 *!$# %*+*e

• V'e;'0 "ee# #"**#'!

• D!;+!*'0 %*@ #*#e&e#

• V'e;'0 '&*0e !, *' .e/$e

• O"e"'0 .e/$e %!!@

• D!;+!*'0 e"'!' *!$# #*#e&e#

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O#.e" >e*#$"e

B*@ $#!&e" * #"**# %*@'0 #*@ #."!$0.!+'e %*@'0 '+$'0:

• >$ #"*,e" %e#;ee #.e $#!&e" +'@e

*!$#<

• P*2'0 #.'" *"#'e('+$'0 %'++ *2&e#) *

#e+e0"*.'6;'"e #"*,e"<

• Ie#&e# $".*e !" *+e<

• L!* *+'*#'! * #"**#'! $. *"e*2&e#<

• Re0'#e" $#'+'#2 %'++e" * &*@e %'++ *2&e#<

Me"'#

•

O+'e %*@'0 '#e ee" +!e #.e2 *"e **'+*%+e74<

• C!e'ee !, *2&e# !" #"*,e" ;'#. !+2 *

&!$e +'@<

•  Y!$ * +!0 ! #! 2!$" !+'e %*@ * #*@e *"e !,

#.e %$'e ee ;.e 2!$ *"e !$# !, #*#e !" ee

!$#"2<

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O+'e %*@'0 "!'e 2!$ * /$'@e" ee"'ee *!&*"e #! ATM %*@'0

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M!%'+e B*@'0

?.*# ' M!%'+e B*@'0

I# ' * e# !, *+'*#'! #.*# e*%+e e!+e #! $e #.e'"

&!%'+e #e+e.!e #! &*'$+*#e %*@ *!$# #!"e

*+$e ' * *!$# "e+*#e #! #.e'" .*e# #"*,e"

,$ !" ee *e "e'# !" '$"*e "!$#<

Ue !, &!%'+e %*@'0:

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• I&"!e $#!&e" e"'e<

• Re$e !# Be *%+e #! '"e*e #.e'"

$#!&e" %*e<

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I"e*e &*"@e# .*"e * '&"!e %"*'0<

Se$"'#2 T."e*# C!e":

• M!%'+e .*e# *"e !&*# !"#*%+e * * %e

e*'+2 +!# !" #!+e

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SMS B*@'0

SMS %*@'0 &*' **#*0e !e" &!%'+e %*@'0 '

#.*# 2!$ !# ee *2 '#e"e# !e#'! !" ee

&*"# .!e ,!" '# !e"*#'!<

P$++ B*e Re/$e#

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• De&*# A6C B*+*e<

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• A#'*#e6De*#'*#e &!%'+e %*@'0 e"'e<

P$. B*e Re/$e#

• SMS A+e"#

•  T"**#'! *+e"#

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MOBILE RE>ILL : RECHARGE AT THE ATM

  A '''$*+ * "e.*"0e .' &!%'+e #*+@

#'&e *# *2 !, !$" ATM< He !e# ee .*e #! %e *

A' B*@ $#!&e"< A++ .' ee ' * VISA e%'# !" "e'#

*"< I, .e ' * A' B*@ $#!&e" #.e .e * *+! $e

.' A' B*@ e%'# *" (%!#. VISA * ;e++ * M*#e"

*")<

ONLINE SHOPPING

(S*,e * Se$"e '#e"e# P*2&e#)

A' B*@ !e" * '''$*+ #.e !e'ee !, 

.!'0 *# &*2 &*!" O+'e #!"e ,"!& #.e !&,!"#

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8/9/2019 A REPORT2

66/68

8/9/2019 A REPORT2

67/68

8/9/2019 A REPORT2

68/68