Account Services

Explore ING Vysya Bank's comprehensive range of accounts including Current, Savings, Term Deposits, Customised Payroll,
Escrow and Special Purpose Accounts in Indian rupees and foreign currencies. Count on the dedicated team of Relationship
Managers to scope out customised solutions to meet evolving business needs and assist with opening of accounts
within 24-hours.
Enjoy benefits of ING Vysya Bank's Current Account products specifically suited for corporate customers with zero charges for
non maintenance of balances and charges levied only for services availed.

Financing

Payables
Money

Investments
Work In Progress
Sales

Cash Pool

Liquidity
Management

Receivables
Distribution

Inventory

Global Transaction Services

Simplified Banking

O Avail services through 551 branches at over 295 locations

O Use more than 630 ING Vysya ATMs across India

Branch

O Enjoy cash and cheque pick-up and delivery services

O Transfer funds within ING Vysya Bank and other bank accounts
O Issue PAP cheques and Demand Drafts
O Get balance certificates, statements, TDS and FD receipts

O View real-time information on account balances and transactions across

various account types
O Get details of all kinds of accounts registered with ING Vysya Bank
O Download statement of accounts, balances, transactions history and balance
certificate
O View summary of relationship with ING Vysya and other banks on a single
dashboard

ING Converge

O Request for cheque books, enquire cheque status and stop cheques online
O Download payables and receivables reports in various formats like
xls, pdf and text

Visit us at http://www.ingvysyabank.com | Contact us at gtshelpdesk@ingvysyabank.com

Global Transaction Services

Simplified Banking

Cash Management - Liquidity

The core focus of corporate treasurers is to ensure availability of sufficient cash to meet working capital requirements of the
business and avoid operational and financial exigencies arising out of lack of liquidity. At the same time, the challenge also
lies in minimising idle floats in Current Accounts and optimising yields on surplus cash. ING Vysya Bank follows a consultative
approach by offering optimal account structures, centralised control on cash balances and investments in secure instruments.

Financing

Payables
Money

Investments
Work In Progress
Sales

Cash Pool

Liquidity
Management

Receivables
Distribution

Inventory

Global Transaction Services

Simplified Banking

O Avail of competitive deposit rates for tenors of 7 days and above

Rupee Fixed
Deposits

O Ensure timely placement of deposits in desired denominations

O Access online details of deposit accounts available in ING Converge
O Facilitate premature withdrawals at short notices
O Avail of automatic/ call-based roll-overs

O Hybrid investment solutions that give sizeable returns on temporary or

ongoing cash surpluses
O Avail of MIBOR Linked deposits, a structured 'floating-rate' fixed deposit
solution that provides higher returns depending on money market conditions
O Liquidate investments with minimal funds for meeting urgent
cash requirements

Variable Interest
Rate Deposits

O Link deposits to operating account for sweep-in of funds, if required

O Avail of Domestic Cash Pooling with options of target based sweeps and cash
concentration

ValueC@sh
(Cash Pooling)

O Benefit from structures created for inter and intra-group cash pooling
solutions, within the regulatory framework
O Configure account structures and sweeping rules for achieving
operational efficiency
O Activate sequencing and reversal of sweeps at user-defined frequencies
O Access online reports of user-defined account structures and
sweep transactions

O A unique cheque bounce/ Overdraft protection solution

O Exercise an efficient intraday liquidity solution wherein funds can be drawn
from a linked Protection account
O Aggregate balances (including limits) of linked accounts for
honouring payments

P@yShield

O Ensure confirmed processing of payment instructions initiated through any

channel (online/ branch)

Visit us at http://www.ingvysyabank.com | Contact us at gtshelpdesk@ingvysyabank.com

Global Transaction Services

Simplified Banking

Cash Management - Payables

For every successful business, timely settlement of dues to suppliers, adhoc payments for meeting day-to-day operations,
carrying out statutory payments within cut-off times, payroll disbursement on pre-defined dates and distribution of dividends
to shareholders within regulatory timelines are critical. With extensive network of branches and direct participation in all
forms of clearing ING Vysya Bank's payment services help business deliver commitments on time, securely and conveniently.
ING Vysya Bank provides options to centralise payment processing and decentralise deliveries with appropriate controls
through high-value electronic funds transfer, payable-at-par payment instruments and a few niche products for petty cash
handling and fraud mitigation useful in managing day to day operations.

Financing

Payables
Money

Investments
Work In Progress
Sales

Cash Pool

Liquidity
Management

Receivables
Distribution

Inventory

Global Transaction Services

Simplified Banking

Payable at Par
(PAP) cheques

RTGS (Real Time

Gross Settlement)

O Issue 'Payable-At-Par' cheques across ING Vysya branch

locations and more than 500 partner bank locations
O Enable facsimile signature printing facility thereby
eliminating the need for physical signing of cheques
O Print cheques in bulk through online/offline upload of
data and get the cheque delivered at multiple locations
O Print cheques in the comfort of own office using ING
Vysya Bank's online solution

Demand Drafts

O Transfer high-value funds above defined threshold limits

instantaneously to any of the 100,000+ participating
banks/ branches across the country

NEFT
(National Electronic
Funds Transfer)
O Transfer funds electronically on same day to
beneficiaries holding accounts with any of the 100,000+
participating banks/ branches across the country
O Effect fund transfers that are ideal for payroll,
dividends, supplier payments and agent commissions

O Issue pre-funded and payable-at-par payment

instruments on 290+ ING Vysya branch locations and
more than 200 partner bank locations
O Effect statutory or other payments that require
guaranteed value, like loan disbursements or agent
commissions

Interest/Dividend
warrants
O Leverage the entire range of services relating to
dividend and interest disbursement to investors

ECS (Electronic
Clearing Service)
O Transfer funds electronically for a large volume of low
value transactions effecting direct credit/ debit to/ from
accounts held with any of the 50,600+ participating
banks/ branches across the country

NECS
(National Electronic
Clearing Service)

O Avail of special account features with multiple modes of

disbursal and assured validation of issue data in clearing

O Facilitate centralised processing for payments which are

repetitive and bulk in nature

O Receive periodic reconciliation of accounts and

dedicated MIS

O Ensure direct credit to beneficiary accounts held with

any of the 50,500+ participating banks/ branches

P@ysure
O Avail ING Vysya Banks fraud mitigation solution for
weeding out fraudulent/ tampered cheques

O Receive cheque status reports with additional status on

validations done

O Be assured of cheques being validated in clearing with the

issuance data across all branches and bank's clearing
centres

O Avail of auto upload of cheque issuance data for

validation by printing cheques through ING Vysya Bank's
payments portal INGP@y

Easyp@y
O Manage petty cash expenses with a card based solution
which is easy to distribute and use

O Top-up card balance instantly online using ING Vysya

Banks payments portal INGP@y

O Get cards issued in name of offices/divisions/centres, but

control the fund transfers centrally

O Access real-time balances and transactions of card

accounts using ING Vysya Banks Internet Banking
channel -ING Converge

O Withdraw cash through ATMs within daily threshold limit

Visit us at http://www.ingvysyabank.com | Contact us at gtshelpdesk@ingvysyabank.com

Global Transaction Services

Simplified Banking

Cash Management - Receivables

Some of the key challenges in a geographically diverse country with multifarious payments and clearing systems are ensuring
timely collection of receivables, containing collection costs and efficient reconciliation for applicability of funds.
ING Vysya Bank provides cost-effective, customisable products and solutions for quick collection and reconciliation of funds
received through paper based instruments and electronic fund transfers.

Financing

Payables
Money

Investments
Work In Progress
Sales

Cash Pool

Liquidity
Management

Receivables
Distribution

Inventory

Global Transaction Services

Simplified Banking

Rapid Collections
Services

O Leverage ING Vysya Bank's growing branch network at more than 290
locations and its strong partner bank arrangements to access local clearing at
over 1200 locations across the country
O Receive Comprehensive MIS for tracking receivables at an instrument level

O Ensure quick collection of paper based instruments drawn on upcountry

locations i.e. where instrument pick-up/ deposit location differs from the
payable location - through a wide network of over 4,380 locations
O Avail of guaranteed credit
O Get strong and timely MIS support

Vyswift Collections
Services

O Auto upload receivables data using the bank's capability to integrate with
back office systems and auto reconcile the same

O The Virtual Accounts product of ING Vysya Bank has been recognised as the
'Most innovative IT solution' by leading industry forums
O Facilitate receipt and identification of funds received through electronic
payment systems like RTGS, NEFT, Intra Bank Transfers and mobile

ING Inwards

O Quickly identify and reconcile funds at remitter level

O Get transaction level alerts with remitter details and facilitate similar
notification for remitters
O Receive customised MIS at pre-defined frequencies and also auto reconcile
receivables through direct integration with back-office systems

O Receive funds through mobile from remitters using:

? Account number and IFSC code

mReceipts

? Mobile Money Identifier (MMID) and mobile number

O Identify receivables through transaction details and data that integrates with
ING Inwards Report

O Collect regular dues from payers through verified/ registered mandates in an

automated manner on presentation by ING Vysya Bank
O Acquire extensive reach - across 70,000+ bank branches pan India for
collecting funds

E@syCollect

O Submit single transaction file for presentation to collect funds through

multiple clearing locations
O Avail mandate verification/ registration support
O Receive detailed MIS for simplified reconciliation
O Avail of direct debit facility through NACH (National Automated Clearing
House) with the advantages of online mandate registration and faster receipt
of funds on presentation

Visit us at http://www.ingvysyabank.com | Contact us at gtshelpdesk@ingvysyabank.com

Global Transaction Services

Simplified Banking

Channels

ING Vysya Bank offers state-of-the-art online channels to ensure delivery of latest information at ones fingertips, in addition
to the extensive and growing branch network at over 290+ locations across the country and dedicated Relationship Managers.
ING Vysya Bank's Online Banking enables a Treasurer or a CFO to view consolidated real-time balances and transactions across
geographies, currencies and bank accounts (this includes non-ING banking relationships).
ING Vysya Bank offers straight-through solutions which can integrate with ERP, back office systems to securely auto process
transactions and also aid in auto reconciliation of accounts. Depending on the needs of the business, ING Vysya offers mixed
modes of channels for delivering various products and services to derive maximum efficiency from business processes and
also facilitate ease of operations.

Global Transaction Services

Simplified Banking

O Relationship Summary and Account services

? Get a consolidated glimpse of group accounts and legal entities in
chosen currency
? View ING and Non ING relationships on single Dashboard
? Receive real time information with consolidated balances across accounts,
currencies and banks
? Order cheque books, view cheque status and stop cheques online
? Access services and accounts securely as they are Rights based
O Payables Management - INGP@y
? Initiate and authorise transactions with bulk and priority payment options
that mitigate risk by replicating Board Resolution
? Pay vendors/suppliers with pre-loaded beneficiary data, process salary and
commission payments
? Receive email/ SMS alerts on transaction initiation, processing and also
send confirmation to beneficiaries post processing of transactions

ING Converge

? Avail of the facility to Hold/Release/Verify transactions as required

? Print cheques from own office using ING Vysya Banks cheque stationery
? Receive comprehensive reports with latest status of transactions with easy
download options
O Receivables Management
? ING Inwards Virtual Account Solution
l
Access

comprehensive remitter details and maintain remitters online

l
Query

details of NEFT/RTGS and within ING Vysya Bank fund transfers

in real time

l
View

transaction reports in detailed as well as summarised formats

l
Download

all reports in xls, csv, pdf

? ING Collect Cheque Collection Solution

l
View

and download cheque collection reports

l
Obtain

instrument details based on Pif/Date/Amount/Instrument

number through the online query option

l
Download

all reports in xls, csv, pdf

O Seamlessly communicate and process requests with secured protocols

between systems
O Initiate, execute and receive requests and/or information without manual
intervention
O Process transaction/information automatically thus eliminating the need to
access any external systems

ING Instalink

O Obtain strengthened security through generation of an encrypted checksum

for each of the files/requests processed
O Opt for delivery of any transaction service product including account
reconciliation service
ING Vysya Bank also offers advanced host-to-host connectivity options based on
specific customer needs that involve real-time processing over
a dedicated communication line.
Visit us at http://www.ingvysyabank.com | Contact us at gtshelpdesk@ingvysyabank.com

Global Transaction Services

Simplified Banking