Introduction In recent times organizations of all types and sizes ha ve increasingly come to understand the importance of customer satisfaction.

It is widely understood that it is far less costly to keep existing customers th an it is to win new ones, and it is becoming accepted that there is a strong lin k between customer satisfaction, customer retention and profitability. For many organizations in the public sector customer satisfaction will itself be the mea sure of success. Customer satisfaction has therefore become the key operational goal for many org anizations. They have invested heavily in improving performance in areas that ma ke a strong contribution to customer satisfaction, such as quality and customer service. Loyalty schemes have proliferated in the retail sector and are now mov ing into the business sector. Companies are investing in database marketing, re lationship management, and customer planning, to get closer to their custo mers. organizations in the public sector have developed customer charter s to demonstrate their commitment to customer service, and just about every missi on statement includes a reference to satisfying or, increasingly, delighting cust omers. But what is the result of all this effort and investment? How do we know if we a re succeeding in satisfying, let alone delighting, our customers? The truth of the matter is that many organizations dont. It is a widely accepted adage in the quality world that if you cant measure it, you cant manage it. This principle applie s equally to customer satisfaction as it does to thousands of products coming of f a production line. However, most companies measure (and consequently manage) t he manufacturing process far more thoroughly than they do customer satisfaction. Indeed, many companies and organizations still do not measure customer Satisfaction at all and many who claim to be measuring it do so in an inadequate way. A poorly conceived and administered survey will produce data that is not suffici ently reliable for management decision making. Most companies would not adopt an amateurish approach to SPC (statistical process control) on the producti on line but many do exactly that where Customer satisfaction measurement is concerned. This is strange in view of the massive investments they are often making to improve customer satisfaction! Research goals As outlined in the preceding section, LSPs are confronted with diverse m anagement challenges that result from continuous growth, globalization, and cust omer diversity. The aim of the present study therefore is to identify determinan ts of customer loyalty in relationships between banks (i.e the financial service providers) and their customers by explicitly considering different characterist ics and cultural contexts of such relationships. In this sense, the present rese arch is positioned at the interface of marketing and logistics and is intended t o contribute not only to logistics research, but also to research in marketing, customer loyalty, and cultural studies. In order to address the concept of customer loyalty, it is important to understand the mechanisms underlying loyalty in the logistics outsourcing contex t. For this reason, the starting point of the present research will be the study of Customer satisfaction and loyalty measurement. On this basis, factors that c an be surmised to determine customer loyalty in such relationships will be propo sed and interdependencies between these factors will be identified. The resultin g comprehensive explanatory model of customer loyalty will not only provide insi ghts into the constitution of customer loyalty, but will also serve as the basis for subsequent analyses. As stated previously, a globalizing marketplace and the need of financia l services on an international scale requires intercultural management competen cies. Before being able to apply such management techniques, though, a thorough understanding of cultural differences between different countries is necessary. The present study will therefore provide a starting point for such analyses by i nvestigating cultural differences between the major financial service providers I.e, banking services Insurance providers will be identified and applied to the

previously devised customer loyalty model. As a result, differences between the companies with respect to the formation of customer loyalty can be inferred. Finally, this study will investigate in how far different relationship c onditions influence the development of customer loyalty. For this purpose, impor tant relationship characteristics will be identified and their moderating influe nces on the customer loyalty model will be examined. This will provide informati on on the robustness of the customer loyalty model versus relational contingenci es and will suggest if it is necessary to differentiate customer loyalty efforts accordingly. MEANING OF CUSTOMER SATISFICATION Customer satisfaction is a business term, is a measure of how products and servi ces supplied by a company meet or surpass customer expectation. It is seen as a key performance indicator within business and part of the four prospective of balanc ed score card. IN a competitive market place were businesses compete for customers, customer satisfaction is seen as a key differentiator and increasingly has become a key e lement of business strategy customer satisfaction drives successful private sector busi ness. High performing businesses have developed principles and strategies for achievin g customer satisfaction. This paper presents a framework or set of ideas for using customer satisfaction principles and strategies to improve the quality responsiv eness, and possibility of public sector privately provided services in vulnerable commu nities. The framework suggested that resident who live in tough neighborhoods can be supported through customer satisfaction strategies to become empowered individua ls who informed perspectives influence decisions about what, how, when, and wher e services are available to them. Customer satisfaction is the customers response to the evaluation of the perceive d discrepancy between prior expectation and the actual performance of the produc t as perceived after its consumption. IMPORTANCE OF CUSTOMER SATISFACTION IT costs at least 7 times more to source a new customer than it does to retain existing one A satisfied customer tells 5-7 people in a year whilst a dissatisfied customer will tell 14-15 people. Companies can boost profits anywhere from 25% to 125% by retaining a mer e 5% more of their exciting customers. Totally satisfied customers were 6 times more likely to use that service s and commend it than satisfied customers. Customers who have a bad experience with you and do not complain are onl y 37% likely to still do business with you. Customers who have an opportunity to complain and the complaint is achieved are 95% likely to still do business with you Company Profile: History HDFC Bank was incorporated in the year of 1994 by Housing Development Finance Co rporation Limited (HDFC), India s premier housing finance company. It was among the first companies to receive an in principle approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. The Bank commenced its op erations as a Scheduled Commercial Bank in January 1995 with the help of RBI s l

iberalization policies. In a milestone transaction in the Indian banking industry, Times Bank Limited (p romoted by Bennett, Coleman & Co. / Times Group) was merged with HDFC Bank Ltd., in 2000. This was the first merger of two private banks in India. As per the sc heme of amalgamation approved by the shareholders of both banks and the Reserve Bank of India, shareholders of Times Bank xreceived 1 share of HDFC Bank for eve ry 5.75 shares of Times Bank. In 2008 HDFC Bank acquired Centurion Bank of Punjab taking its total branches to more than 1,000. The amalgamated bank emerged with a strong deposit base of aro und Rs. 1,22,000 crore and net advances of around Rs. 89,000 crore. The balance sheet size of the combined entity is over Rs. 1,63,000 crore. The amalgamation a dded significant value to HDFC Bank in terms of increased branch network, geogra phic reach, and customer base, and a bigger pool of skilled manpower. Business Focus HDFC Bank deals with three key business segments - Wholesale Banking Services, R etail Banking Services, and Treasury. It has entered the banking consortia o f over 50 corporate for providing working capital finance, trade services, corpo rate finance and merchant banking. It is also providing sophisticated product st ructures in areas of foreign exchange and derivatives, money markets and deb t trading and equity research. Wholesale Banking Services The Bank s target market ranges from large, blue-chip manufacturing companies in the Indian corp. to small & mid-sized corporates and agri-based businesses. For these customers, the Bank provides a wide range of commercial and transactional banking services, including working capital finance, trade services, transactio nal services, cash management, etc. The bank is also a leading provider of struc tured solutions, which combine cash management services with vendor and distribu tor finance for facilitating superior supply chain management for its corporate customers. HDFC Bank has made significant inroads into the banking consortia of a number of leading Indian corporates including multinationals, companies from t he domestic business houses and prime public sector companies. It is recognized as a leading provider of cash management and transactional banking solutions to corporate customers, mutual funds, stock exchange members and banks. Retail Banking Services The objective of the Retail Bank is to provide its target market customers a ful l range of financial products and banking services, giving the customer a one-st op window for all his/her banking requirements. The products are backed by world -class service and delivered to customers through the growing branch network, as well as through alternative delivery channels like ATMs, Phone Banking, Net Ban king and Mobile Banking. HDFC Bank was the first bank in India to launch an International Debit Card in a ssociation with VISA (VISA Electron) and issues the MasterCard Maestro debit car d as well. The Bank launched its credit card business in late 2001. By March 200 9, the bank had a total card base (debit and credit cards) of over 13 million. T he Bank is also one of the leading players in the merchant acquiring business with over 70,000 Point-of-sale (POS) terminals for debit / credit cards acceptance a t merchant establishments. The Bank is well positioned as a leader in various ne t based B2C opportunities including a wide range of internet banking services fo r Fixed Deposits, Loans, Bill Payments, etc. Treasury Within this business, the bank has three main product areas - Foreign Exchange a nd Derivatives, Local Currency Money Market & Debt Securities, and Equities. The se services are provided through the bank s Treasury team. To comply with statut ory reserve requirements, the bank is required to hold 25% of its deposits in go vernment securities. The Treasury business is responsible for managing the retur ns and market risk on this investment portfolio

As on 31st March, 2010 the authorized share capital of the Bank is Rs. 550 crore . The HDFC Group holds 23.73 % of the Bank s equity and about 16.97 % of the equ ity is held by the ADS Depository (in respect of the bank s American Depository Shares (ADS) Issue). 26.59 % of the equity is held by Foreign Institutional Inve stors (FIIs) and the Bank has about 4,41,347 shareholders. The shares are listed on the Bombay Stock Exchange Limited and The National Stoc k Exchange of India Limited. The Bank s American Depository Shares (ADS) are lis ted on the New York Stock Exchange (NYSE) under the symbol HDB and the Bank s Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange under ISIN No US40415F2002.

MILESTONES IN THE HISTORY HDFC Bank began its operations in 1995 with a simple mission: to be a "World-cla ss Indian Bank". They realized that only a single-minded focus on product qualit y and service excellence would help us get there. Today, they are proud to say t hat they are well on our way towards that goal. It is extremely gratifying that their efforts towards providing customer c onvenience have been appreciated both nationally and internationally. 2009

. Distribution Network HDFC Bank is headquartered in Mumbai. The Bank has a network of 1,725 branches s pread in 771 cities across India. All branches are linked on an online real-time basis. Customers in over 500 locations are also serviced through Telephone Bank ing. The Bank has a presence in all major industrial and commercial centers acro ss the country. Being a clearing/settlement bank to various leading stock exchan ges, the Bank has branches in the centers where the NSE/BSE has a strong and act ive member base. The Bank also has 3,898 networked ATMs across these cities. Moreover, HDFC Bank s ATM network can be accessed by all domestic and international Visa/MasterCard, Visa Electron/Maestro, Plus/Cirrus and American Express Credit/Charge cardholde rs. CAPITALSTRUCTURE

Euro money Awards 2009 Best Bank in India Economic Times Brand Equity & Nielsen Research annual survey 2009 Most Tru sted Brand - Runner Up Asia Money 2009 Awards Best Domestic Bank in India IBA Banking Technology Awards 2009 Best IT Governance Award - Runner up Global Finance Award Best Trade Finance Bank in India for 2009 IDRBT Banking Technology Excellence Award 2008 Best IT Governance and Value De livery Asian Banker Excellence in Retail Financial Services l Bank in India Award 2009 Asian Banker Best Retai

2008

Finance Asia Country Awards for Achievement 2008 Management Bank CNN-IBN Indian of the Year (Business) Nasscom IT User Award 2008 Business India Forbes Asia

Best Bank and Best Cash

Best IT Adoption in the Banking Sector

Best Bank 2008

Fab 50 companies in Asia Pacific Best Retail Bank 2008

Asian Banker Excellence in Retail Financial Services

Asia money Best local Cash Management Bank Award voted by Corporate Microsoft & Indian Express Group Security Strategist Award 2008 World Trade Center Award of honor ional trade services Business Today-Monitor Group survey s" Financial Express-Ernst & Young Award tegory For outstanding contribution to internat One of India s "Most Innovative Companie Best Bank Award in the Private Sector ca

Global HR Excellence Awards - Asia Pacific HRM Congress: of the Year 2007 -2008 Award - First Runner up, & many more Business Today Best Bank

Employer Brand

Award

2007

Dun & Bradstreet American Express Corporate Best Bank Award 2007 te Best Bank Award

Corpora

The Bombay Stock Exchange and Nasscom Foundation s Business for Social Responsib ility Awards Best Corporate Social Responsibility Practice Award Outlook Money & NDTV Profit Best Bank Award in the Private sector category. The Asian Banker Excellence in Retail Financial Services Awards Best Retail Bank in India Asian Banker Our Managing Director Aditya Puri wins the Leadership Achievemen t Award for India Financial Express Ernst & Young Award Best Bank Award in the Private Secto r category. Business Today Best Bank Award

2006

Business Today Best Bank in India Forbes Magazine One of Asia Pacific s

Best 50 companies.

Business world Best listed Bank of India The Asset Magazine s Triple A Country Awards Best Domestic Bank Asia money Awards Best Local Cash Management Bank in Large and Medium segm ents. Euro money Awards

"Best Bank" in India.

2005 Best Domestic Commercial Bank

Asia money Awards

Asia money Awards Best Cash Management Bank India The Asian Banker Excellence Retail Banking Risk Management Award in India Finance Asia magazine Best Bank in India Economic Times Awards "Company of the Year" Award for Corporate Excellence The Asset Triple A Country Awards Best Domestic Bank in India Region -2005 Business Today KPMG Survey Best Local Cash Management Bank in India US$11-100m 2005 Business Today KPMG Survey "Best Bank in India" for the third Business Today consecutive year in 2005 Economic Times Avaya Global Connect Customer Responsiveness Awards "Most Customer Responsive company.

PRODUCTS AT A GLANCE

HDFC Savings account HDFC Savings account HDFC Savings accounts are primarily meant to inculcate a sense of saving for the future, accumulating funds Over a period of time. Whatever your occupation, HDFC is confident that you wil l find the perfect banking Solution. USPs Of HDFC BANK CBS Branch &Issue of PAP Cheques ( Payable atPar) by default Upto a limit. Free RTGS/NEFT Transactions. Sweep in- Sweep out facility. Special Womens Advantage Debit Card that offers women products at special prices. The leading credit card issuers in India . Hdfc credit card offers you the best rates and more discounts. The only provider of Forex Products & services Option to invest in Mutual Funds. Convenient & Hassle free banking options like instaAlerts. IVR facilities such as Phonebanking, Netbanking, Mobilebanking free for all prod ucts. Flexible Lunch timings provide uninterrupted services to HDFC customers. Saving A/c products of HDFC Bank Regular Savings account Pension plus account Savings max account Kids Advantage account Senior Citizens account No frill account A brief Snapshot Of Distinctive features & Benefits of Various savings products by HDFC Bank is as follows:

Features & Benefits Savings Max Pension savings account Savings Regular Kids Advantage Senior Citizen Account No Frills account International Debit Card Charges Free (for all applicant) Free ( f or all applicants) 100 Free Maestro Debit Card (for the child >= 7) Free ( for all applicants) Free ATM Card. Debit Card at rs. 100

Per day ATM CW limit (Rs.) 15000 15000 25000 1500 Per day POS limit 25000 25000 35000 1000 25000 Womens Advantage Debit Card Free (for all applicant) Free if issued by Default at the time of account opening the 1st applicant. RS. 100 for other applicants 100

25000 N.A. N.A. No

10000 100 Free for

Free Account Statement Monthly Quarterly Monthly Quarterly Interested Paid Quarterly Quarterly Quarterly Free DD/MC at home branches Chargeable yes No zens as per S&F brochure. BillPay charges P.A Quarterly

Quarterly Quarterly

Quarterly Quarterly

Free upto RS. 50000/day on HDFC branch locations Discounted rates for DD issuance fir senior citi

Free

Free

100

100

100

100

Features & Benefits Savings Max Savings Plus Savings Regular Kids Advantage Senior Citizen Account

No Frills account instaAlerts (RS.) Free Free Free Free Free free PhoneBanking, NetBanking, MobileBanking Free Free Free Free Free free Waiver on Locker rental 50% discount on 1st year 25% discount on 1st year N.A. N.A. N.A. N.A. Insurance benefits N.A. N.A. N.A. Free education insurance cover o f RS. 1lacin the event of death of the parent. Accidental Hospitalisation cover of RS.50000 p.a. on the Debit Card. N.A. Sweep out Facility Available N.A. N.A. Available N.A. N.A. Investments in mf Option to invest through SIP in the name of kid AQB Requirements 25000 Zero 1000(u) & 5000 (su) 10000(u) & 5000 (su 5000 0 AQB Non-Maintainance Charges/ quarter AQB between Rs. 10000-25000; rs. 1000. AQB<rs.10000; rs. 1500 zero Rs 750 Rs. 300 Rs. 250 0

HDFC Current account Now, with an HDFC Bank Current Account, experience the freedom of multi-city ban king! You can have the power of multi-location access to your account from any o f our 1,725 branches in 779 cities. Not only that, you can do most of your banki ng transactions from the comfort of your office or home without stepping out. We make it our business to help you with your business by offering you a Current Account with all the benefits you need to stay ahead of your competition. HDFC Bank, understand that running a business requires time and money, also that your business needs are constantly evolving. It provides you with a choice of C urrent Account options to exclusively suit your business - whatever the size or scope. Current Account Products of HDFC Bank HDFC Bank Plus Current account Merchant Establishment Plus HDFC Bank Trade Premium Current account Regular Current account

The various distinctive features of different current account products is given below for better understanding-:

Features & Benefits HDFC Bank Plus Merchant Establishment Plus HDFC Bank Trade PREMIUM Current Account REGULAR Current Account FLEXI Current Account APEX Current Account Max Current Account Average Quarterly Balance RS. 100,000 RS. 50,000 RS. 40,000 RS. 25,000 RS. 10,000 AMB- 75000 Rs. 10 lacs Rs. 10 lac Pay Orders (PO) -on HDFC Bank Locations (Issued from Any Branch) Free up to 50 POs per month Free up to 50 POs per month. to 30 POs per month. Chargeable Chargeable free Free

Free up

Free Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) Free up to 50 DDs per month Free up to 50 DDs per month. Free up to 30 DDs per month. Chargeable Chargeable Free Free Free Outstation Cheque Collection on Branch Locations

Free

Free

Chargeable

Chargeable

Chargeable

Free

Free

Free NEFT/EFT Transactions :Payment &collection

Free

Free

Free

Free

Free

Free

free

Free Features & Benefits HDFC Bank Plus Merchant Establishment Plus HDFC Bank Trade PREMIUM Current Account REGULAR Current Account FLEXI Current Account APEX Current Account Max Current Account RTGS Transactions :Payment Free Free Free 100 per txn 100 per txn Free Free Free RTGS TXN: COLLECTION Free Free Account Statement Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Account Statement through IVR Rs.50/- per statement Rs.50/- per statement Rs.50/- per statement Rs.50/- per statement Rs.50/- per statement Rs.50/- per statement Cheque Book Charges free Free Doorstep Banking le Chargeable Balance certificate

Free

Free

Free

Free

Free

Free

Rs.50/- per statement

Rs.50/- per statement

free free Chargeable Chargeable chargeable

Chargeable Chargeable Chargeable Chargeable

Free free Chargeable chargeable chargeable

Free Chargeab chargeab

le Chargeable Interest certificate le Chargeable

chargeable chargeable chargeable

Chargeable Chargeable chargeable

Chargeable chargeable chargeable

chargeab

ICICI BANK HISTORY ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly -owned subsidiary. ICICI s shareholding in ICICI Bank was reduced to 46% through a public offering of shares in India in fiscal 1998, an equity offering in the form of ADRs listed on the NYSE in fiscal 2000, ICICI Bank s acquisition of Bank of Madura Limited in an all-stock amalgamation in fi scal 2001, and secondary market sales by ICICI to institutional investors in fiscal 2001 and fiscal 2002. ICICI was formed in 1955 at the initiative of the World Bank, the Government of India and representatives of Indian industry. The principal objective was to create a development financial institution for providing medium -term and long-term project financing to Indian businesses. In the 1990s, ICICI transformed its business from a development financial institution offering only project finance to a diversif ied financial services group offering a wide variety of products and services, both directly and through a nu mber of subsidiaries and affiliates like ICICI Bank. In 1999, ICICI become the first Indian company and t he first bank or financial institution from non-Japan Asia to be listed on the NYSE. After consideration of various corporate structuring alternatives in the context of the emerging competitive scenario in the Indian banking industry, and the move towards universal banking, the managements of ICICI and ICICI Bank formed the view that the merger of ICICI with ICICI Bank would be the optimal strategic alternative for both entities, and would create the optimal legal structure for the ICICI group s universal banking strategy. The merger would enhance value for ICICI shareholders through the merged entity s access to low-cost deposits, greater opportunities for earning fee-based income and the ability to participate in the payments system and provide transaction-banking services. The merger woul d enhance value for ICICI Bank shareholders through a large capital base and scale of operations, seamless access to ICICI s strong corporate relationships built up over five decades, entry into new business segm ents, higher market share in various business segments, particularly fee-based services, and access to the vast talent pool of ICICI. In October 2001, the Boards of Directors of ICICI and ICICI Bank approved the me rger of ICICI and two of its wholly-owned retail finance subsidiaries, ICICI Personal Financial Services Lim ited and ICICI Capital Service s Limited, with ICICI Bank. The merger was approved by shareholders of ICICI and ICICI Bank in January 2002, by the High Court of Gujarat at Ahmadabad in March 2002, and by the High C

ourt of Judicature at Mumbai and the Reserve Bank of India in April 2002. Consequent to the merger, th e ICICI group s financing and banking operations, both wholesale and retail, have been integrated in a si ngle entity. Present scenario ICICI Bank is India s second-largest bank with total assets of Rs.3,793.01 billi on (US$ 75 billion) at March 31 , 2009 and profit after tax Rs.37.58 billion for the year ended March 31, 2009. The Bank has a network of 1,454 branches and about 4,721 ATMs in India and presence in 18 countries. ICIC I Bank offers a wide range of banking products and financial services to corporate and retail customers th rough a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management. The Bank currently has subsidiaries in the United Kingdom, Russia and Canada, br anches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Mal aysia and Indonesia. Their UK subsidiary has established branches in Belgium and Germany.

USPs of ICICI Bank casa products Hand-to-hand delivery of Welcome Kit on account opening. Debit-cum-ATM card To all ICICI account holders. 8 to 8 banking facilities for the ease of customers 24-hour Customer Care is always available to answer any query or take your instr uctions. Free fund transfer across all product types with ICICI Bank. Free NEFT across all product types Insta Banking services like Ibanking, tv banking, IVR banking, Internet banking & ATM banking. Nomination Facility - You may nominate a person as beneficiary to your account p roceeds. Money Multiplier Facility - take care of your idle money by moving it into high interest savings account earning.. Privilege Banking services ensures preferential treatment to its customers. Preferential rates for Gold coins, Deposit lockers & foreign exchange for privil ege customers. Deeper penetration into the rural areas by making its rural banking a standalone division SAVINGS ACCOUNT PRODUCTS of ICICI Bank ICICI bank offers wide variety of Deposit Products tailor made to suit different needs of the; customers to suit their banking needs. The various savings deposit schemes off ered by ICICI Bank are Savings Account Life Plus Senior Citizen account Family Banking Young stars Advantage Woman savings account A brief overview of distinctive features of ICICI savings products is compiled b

elow for better understanding: Product type Savings account Privilege banking Titanium privilege Gold pri vilege Silver privilege Life plus senior citizen account Family b anking Young stars Advantage woman savings account Dedicated branch BM yes No No designated senior citize n desk Priority processing at branches & phone banking NO Yes yes NO NO NO NO NO Debit card Debit cum ATM card Titanium Gold Silver Life plu s ATM card Debit cum ATM card international debit card on request Internationals womens debit card Annual fees on debit card Free Free Free Rs.99 Free Free free Daily withdrawal limit 1,00,000 50,000 25,0000 DD/ PO charges Free Free up to rs. 1lac/day Free up to rs. 50,000/ d ay Product type Savings account Privilege banking Titanium privilege Gold pri vilege Silver privilege Life plus senior citizen account Family b anking Young stars Advantage woman savings account Free anywhere banking Yes Yes 1 deposit/ withdrawal free / mon th Money multiplier facility yes Yes Yes yes Yes Bill pay Yes yes yes yes Phone banking Yes Yes yes Internet banking Yes Yes Yes yes Yes Yes Yes yes Free physical statement Quarterly Monthly Quarterly quarterly Quarterly Quarterly Quarterly quarterly Special assets deal Yes Yes yes QAB R & SU- rs.5000. Metro & urban rs. 10000 Rs. 75000 Rs. 50000 Rs. 25000 Rs. 5000 Rs. 2500 Rs. 10000 or 0 bal with RD of rs.2000 ICICI CURRENT ACCOUNT ICICI Bank Current Account supports unlimited cash withdrawals and deposits alon g with unlimited Cheque book facility. It is ideal for a businessman or stockists, joint stock companies or partnership firms, institutions , public authorities or public corporations etc. the benefits of an ICICI Bank C urrent Account include multicity cheques payment facility, DD and Pay Orders, funds transfer, internet, mobile ba nking, anywhere banking, doorstep banking and statements, advices, daily statements through e mails. Current account products of ICICI Bank Standard Current account Privilege current account Classic Premium Gold Gold plus current account

Platinum Current account Elite current account Gold Gold Plus Platinum

Product type Standard Classic Premium elite Average Quarterly Balance Rs. 10000 Rs. 100,000 Rs. 300,000 Rs. 500,000 AQB non maintenance charges Rs. 300 Rs. 400 Rs. 5000 Rs. 10000 Cash deposit base location (Rs.) 100,000 30,00,000 50,00,000 10,000,000 Product type Standard Classic Premium elite Cash deposit non base location NIL NIL 5,00,000 10,00,000

Rs. 25000 Rs. 50000 Rs. 10,00,000 Rs. 500 Rs. 1000 Rs. 3000 250,000 500,000 10,00,000 Gold NIL Gold Plus 1,00,000 Platinum 3,00,000

Cheque leaves per month(nos.) 25 cheques leaves free per month. Charges Rs.2/ leave beyond 25 50 cheques leaves free per month. Charges Rs.2/ leave beyond 50 100 cheques leaves free per month. Charges Rs.2/ leave beyond 100 200 cheq ues leaves free per month. Charges Rs.2/ leave beyond 200 600 cheques leav es free per month. Charges Rs.2/ leave beyond 600 1000 cheque leaves free per month. Charges Rs.2/ leave beyond 1000 2000 cheque leaves free per mont h. Charges Rs.2/ leave beyond 2000 Total txns (nos.) 20 50 100 200 600 1000 2000 Cash withdrawal base branch(Rs) Unlimited free on value for self; max Rs. 50000 per txn for 3rd party payment Cash withdrawal non base branch (Rs.) Rs. 50,000 free per day; allowed only for self-cheques RTGS payment (Rs.) Rs. 25 pet txn Rs. 25 per txn Free Free Free Free free Debit card charges Rs. 250/annum Rs. 250/annum Rs. 250/annum Rs. 250/annum Rs. 250/annum Rs. 250/annum Rs. 250/ annum Product type Standard Classic Premium Gold Gold Plus Platinum elite ATM txns at other bank ATM Enquiry Rs.9 Withdrawl Rs. 18 Enquiry Rs.9 Withdrawl Rs. 18 Enquiry Rs.9 Withdrawl Rs. 18 Enquiry Rs.9 Withdrawl Rs. 18 Enquiry Rs.9 Withdrawl Rs. 18 Enquiry Rs.9 Withdrawl Rs. 18 Enquiry Rs.9 Withdrawl Rs. 18 Mobile alerts Rs 25/ month Rs 25/ month Rs 25/ month Free Free Free free Phone banking txns 5 free txns per day. Rs 25/ txn beyond free limit. 5 free txns per day. Rs 25/ txn beyond free limit 5 free txns per day. Rs 25/ txn beyond free limit 5 free txns per day. Rs 25/ txn beyond free limi t 5 free txns per day. Rs 25/ txn beyond free limit 5 free txns per day. Rs 25/ txn beyond free limit 5 free txns per day. Rs 25/ txn beyond f ree limit

ABOUT AXIS BANK History Axis Bank was the first of the new private banks to have begun operations in 199 4, after the Government of India allowed new private banks to be established. The Bank was promoted jointly by the Administrator of the specified undertaking of the Unit Trust of India (UTI - I), Life Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC) and other four PSU insurance compan ies, i.e. National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insur ance Company Ltd. and United India Insurance Company Ltd. The Bank today is capitalized to the extent of Rs. 405.17 crores with the public holding (other than promoters and GDRs) at 53.09%. The Bank s Registered Office is at Ahmedabad and its Central Office is located a t Mumbai. The Bank has a very wide network of more than 1000 branches and Extension Counters (as on 31st March 2010). The Bank has a network of over 4055 ATMs (as on 31st March 2010) providing 24 hrs a day banking convenience to its customers. This is one of the largest ATM networks in the country. The Bank has strengths in both retail and corporate banking and is committed to adopting the best industry practices internationally in order to achieve excellence. Promoters Axis Bank Ltd. has been promoted by the largest and the best Financial Instituti on of the country, UTI. The Bank was set up with a capital of Rs. 115 crore, with UTI contributing Rs. 100 c rore, LIC - Rs. 7.5 crore and GIC and its four subsidiaries contributing Rs. 1.5 crore each. PROFILE Axis Bank Limited. The Group s principal activity is to provide commercial banki ng services. It operates in four segments: treasury, retail banking, corporate/wholesale banking and other b anking business. The treasury operations include investments in sovereign and corporate debt, equity and mutual funds, trading operations, derivative trading and foreign exchange operations on the account, a nd for customers and central funding. Retail banking includes lending to individuals/small businesses subject to the orientation, Product and granularity criterion. It also includes liability products, card ser

vices, Internet banking, automated teller machines (ATM) services, depository, financial advisory service s, and nonresident Indian (NRI) services. The corporate/wholesale banking segment includes corporate relat ionships not included under retail banking, corporate advisory services, placements and syndication, m anagement of publics issue , project appraisals, capital market related services. USPs of AXIS Bank Hand To hand Welcome Kit on account opening. a passbook and monthly statement of account to keep you updated on all your tran sactions 24x7 Telebanking & Internet banking. Customized savings account to suit your specific financial requirements. . At Par cheque facility for all account holders, you have the unique advantage to encase your cherubs as a local cheque. Extended cash and cheque pickup services are provided free of cost. You can also have cash delivered at your residence at a nominal charge of Rs 50 per deliv ery. Online funds transfer, requests for a new cheque book, Financial Advisory Servic es (FAS), online Shopping and information on mutual funds. Tailor made CASA products to suit the requirement of customers AXIS Bank saving account Axis Bank has a wide range of savings account to make your banking transactions easy and to cater different needs of various sections of society. Bank has Zero Balance Savings Account in which you do not have to maintain an average quarterly balance. EasyAccess Savings Account for instant access to your money anywhere, a nytime. Azaadi Account is a NO FRILL account. No need to maintain a fixed, mandatory amount in your account. Prime Sa vings account has been created keeping in mind your specific financial requirements to give wider accessibility. Senior Ci tizen Savings Account has been created to make banking transactions easy and cater all their requirements. A brief snapshot of Various Features & benefits of different saving account products is as follows:

Features & Benefits Easy accessibility Prime Savings No frill Senior privilege Minimum AQB R- 1000 Su & U 2500 Rs 25000 zero R- 500 SU & u- 750 ATM cum Debit card Chargeable Chargeable Chargeable Free ATM cash withdrawal limit Rs. 40000 40000 40000 Free account Statement Quarterly Monthly Monthly Overdraft facility No No No No Reward points No No No No Internet Banking Yes yes Yes Yes Phone Banking Yes No Yes No Mobile banking Yes; Rs 120/annum Yes; Rs 120/annum Yes; Rs. 120/ann um Yes; Rs. 120/ annum SMS Alert no No No No Cash txn Free up to 5 txns Free up to 5 txns Free up

to 5 txns Pass Book free Free Free free Cheque Book 20 leaves free; thereafter chargeable er chargeable Free PAP cheque book DD/PO chargeable Free Free Nomination Facility N.A. N.A.. N.A. N.A. ROI Quarterly Quarterly Quarterly

20 leaves free; thereaft

quarterly

Current account products of AXIS Bank Axis Bank offers variety of current account products with varied features to mee t the different requirement of variety of customers. A brief snapshot of dif. p roducts is as follows;Features & benefits Normal current account Business select account Business privilege account Current account for builders & real estate Club 50 current account Krishi current account Minimum AQB Rs 10000 Rs. 50000 Rs 500,000 Rs 500,000 Half year bal- 50 lacs Half yearly bal; U-10000 SU- 5000 DD/ PO Chargeable Free 4 DD/PO Free 10 DD/PO Free Free Chargeab le ATM cum debit card Chargeable chargeable Chargeable Free Free Chargeable Anywhere banking N.A. free Free Free Free Free Doorstep banking N.A. Chargeable Free Free free N.A. Fund transfer across Axis Bank( home branch) chargeable Free Free Free Free Free Mobile alerts chargeable Chargeable Chargeable Chargeable Free Chargeable Free Account statement Quarterly Monthly Monthly Monthly Monthly Monthly NEFT/RTGs txns chargeable Chargeable Chargeable Chargeable Free Chargeable Features & benefits Normal current account Business select account Business privilege account Current account for builders & real estate Club 50 current account Krishi current account Chequebook chargeable Free Free Free Free Free Cheque pickup within city limits chargeable chargeable free Free Free N.A. Standing Instructions N.A. Free Free Free Free N.A.

STATE BANK OF INDIA HISTORY The evolution of State Bank of India can be traced back to the first decade of t he 19th century. It began with the establishment of the Bank of Calcutta in Calc utta, on 2 June 1806. The bank was redesigned as the Bank of Bengal, three years later, on 2 January 1809. It was the first ever joint-stock bank of the British India, established under the sponsorship of the Government of Bengal. Subsequen tly, the Bank of Bombay (established on 15 April 1840) and the Bank of Madras (e stablished on 1 July 1843) followed the Bank of Bengal. These three banks domina ted the modern banking scenario in India, until when they were amalgamated to fo rm the Imperial Bank of India, on 27 January 1921. An important turning point in the history of State Bank of India is the launch o f the first Five Year Plan of independent India, in 1951. The Plan aimed at serv ing the Indian economy in general and the rural sector of the country, in partic ular. Until the Plan, the commercial banks of the country, including the Imperia l Bank of India, confined their services to the urban sector. Moreover, they wer e not equipped to respond to the growing needs of the economic revival taking sh ape in the rural areas of the country. Therefore, in order to serve the economy as a whole and rural sector in particular, the All India Rural Credit Survey Com mittee recommended the formation of a state-partnered and state-sponsored bank. The All India Rural Credit Survey Committee proposed the take over of the Imperi al Bank of India, and integrating with it, the former state-owned or state-assoc iate banks. Subsequently, an Act was passed in the Parliament of India in May 19 55. As a result, the State Bank of India (SBI) was established on 1 July 1955. T his resulted in making the State Bank of India more powerful, because as much as a quarter of the resources of the Indian banking system were controlled directl y by the State. Later on, the State Bank of India (Subsidiary Banks) Act was pas sed in 1959. The Act enabled the State Bank of India to make the eight former St ate-associated banks as its subsidiaries. The State Bank of India emerged as a pacesetter, with its operations carried out by the 480 offices comprising branches, sub offices and three Local Head Office s, inherited from the Imperial Bank. Instead of serving as mere repositories of the community s savings and lending to creditworthy parties, the State Bank of I ndia catered to the needs of the customers, by banking purposefully. The bank se rved the heterogeneous financial needs of the planned economic development.

Branches The corporate center of SBI is located in Mumbai. In order to cater to different functions, there are several other establishments in and outside Mumbai, apart

from the corporate center. The bank boasts of having as many as 14 local head of fices and 57 Zonal Offices, located at major cities throughout India. It is reco rded that SBI has about 10000 branches, well networked to cater to its customers throughout India. ATMServices SBI provides easy access to money to its customers through more than 8500 ATMs i n India. The Bank also facilitates the free transaction of money at the ATMs of State Bank Group, which includes the ATMs of State Bank of India as well as the Associate Banks State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State B ank of Indore, etc. You may also transact money through SBI Commercial and Inter national Bank Ltd by using the State Bank ATM-cum-Debit (Cash Plus) card. Subsidiaries The State Bank Group includes a network of eight banking subsidiaries and severa l non-banking subsidiaries. Through the establishments, it offers various servic es including merchant banking services, fund management, factoring services, pri mary dealership in government securities, credit cards and insurance. USPs of State Bank of India Free ATM CUM DEBIT CARD which provide access to the widest network of ATMs acro ss the country to withdraw cash, enquire about your balance, etc. Unlimited number of payments Payments by standing instructions. Remit funds from any part of the country to your account. Upcountry Cheque Collection facility. Money multiplier facility. Overdraft facility. Transfer of accounts between our wide network of branches without any charge. Nomination Facility - Available SBI Saving Account products SBI Savings Bank Account helps you to plan and save for your future financial re quirements. Your savings remain liquid, safe and earn moderate interest. The var ious schemes by SBI are-; Savings Plus Account No Frill Account Premium Savings Account CAPGAIN Plus Account SBI Surabhi Saving Scheme A brief snapshot of different SBI Savings schemes is as follows; Features & Benefits Savings plus a/c Premium Saving a/c NO FRILL a/c CAPGAIN plus a/c SBI- Surabhi saving scheme Min AQB Rs. 5000 Rs. 25000 Nil Rs. 1000 Rs. 1000 Nomination facility Allowed Allowed Allowed Allowed Allowed Free passbook Available Available Available Available Available ATM-cum Debit card Free Free Gold Card Free N.a. N.a International ATM Debitcard N.a N.A. Insurance Benefits Life cover at special premium. Cheque book Free Multicity cheque book free Free No Chargeab le Interest payable Half yearly Half yearly Half yearly Halfyear ly Half yearly Sweep in facility Auto sweep to MOD n.a. Available Internet Banking free Free N.A. RTGS/NEFT txns Chargeable Free N.A. SMS Alert No Free No No Locker Facility chargeable chargeable Auto sweep to MOD Chargeable Chargeable No Chargeable N.A.

Chargeable Chargeable N.A. Chargeab

le Overdraft facility No Yes Draft Issue/ cheque collection le

yes N.a. N.A. 50 % concession

chargeab

SBI Current Account Products SBI offers power jyoti for institutions, charitable organizations etc, using gen eric fee collection functionality. It has various other current account products that make banking facility accessible to vast sections of traders, Individual c ustomers & Non- Individual Customers. The different SBI current aaount products are-; SBI SME Power Jyoti SBI sahaj SBI SME Power Gain SBI SME Power Pack Features/ benefits SBI SME Power Jyoti SBI sahaj SBI SME Power Ga in SBI SME Power Pack Min. AQB Rs. 25000 Rs. 1000 RS 100,000 Rs 500,000 OD facility N.A. N.A. Available Available Cheque Book N.A. Chargeable Free Free Features/ benefits SBI SME Power Jyoti SBI sahaj SBI SME Power Ga in SBI SME Power Pack Debit cum ATM card N.A. Free Free Free International Debit Card N.A. N.A. Chargeable Free Card withdrawl limit Rs 15000 Rs. 25000 Rs. 45000 Internet Banking Free Free Free Free Fund transfer( home branch) chargeable Free free Free Fund transfer (outstation branch) Chargeable Chargeable Chargeab le Free Standing instructions N.A. Chargeable chargeable free Collection of cheques & inward bill No charges for fee collection N.A. Chargeable Free PO/ bankers cheque N.A. chargeable free free Doorstep Banking N.A. N.A. N.A. Free Demat services N.A. chargeable chargeable Free RTGS Facility N.A. chargeable Chargeable Free

Bank of Baroda Brief history Prior to independence from the British Rule, the ancient India was ruled by prin cely states, scattered over the width and breadth of the large Indian nation. T he Maharajas of the inner States of colonial India contributed to the welfare of their respective regions as well as the Indian nation as a whole. Their vision and foresight in founding various financial, charitable, social and philanthrop ic organizations during their time is still cherished by any one going into the history of modern India and its achievements in every walk of life. The Maharaja of Baroda, a princely state of British India, by name Sir Sayyajira o Gaekwad III, had the same vision in establishing a bank for servicing the publ ic at large and the citizens of Baroda State, a Gujarathi population in particul ar. On 20th July 1908, Bank of Baroda was established under the rules of Compani es Act 1897, in a small building at Baroda, by the Maharaja with a paid up capit al of Rs.10 lakhs. The guidelines set by the Maharaja for the bank was to serve the people of the State of Baroda as well as the neighboring regions with money lending, saving, transmission and encouraging the development of arts, science, commerce and trade for the people.

Even during the worst financial disaster caused by the First World War, during t he period 1913 to 1917, when as many as 87 banks closed their shutters, Bank of India survived the turbulence with its clear vision, ethical standards and finan cial prudence to grow from strength to strength. There were heroes to sustain th e development of this bank to its present glory, from ordinary people as custome rs and the heirs of the Royal family of Baroda. Present scenario Bank of Baroda is the 3rd largest bank in India, after State Bank of India and Punjab National Bank and ahead of ICICI Bank. BOB has total assets in excess of Rs. 2.27 lakh crores, or Rs. 2,274 billion, a network of over 3000 branches and offices, and about 1100+ ATMs. It offers a wide range of banking products and fi nancial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas o f investment banking, credit cards and asset management. Products and services Bank of Baroda provides it banking products and services in several categories l ike personal, international, business, treasury, corporate and rural. In persona l banking section Bank of Baroda offers products like deposits, debit cards, Gen -Next, personal banking services, loans, lockers and credit cards.In business ba nking sector, Bank of Baroda offers products and services such as deposits, busi ness banking services, loans and advances and lockers. In corporate banking sect ion, Bank of Baroda offers products and services like wholesale banking, loans a nd advances, deposits and corporate banking services. USPs of BANK OF BARODA. Widened Network Of Branches at prime Locations in Haldwani. Free Pass book to all account holders which enable them to keep track of all tra nsactions. Free debit Cards on all products. Facility to view account balance & transactions over Internet. Facility to set-up Standing Instructions for remittance and transfer of funds. Free Statement of Account once a month. Free Balance Certificate once a year. Deposits are guaranteed under FSCS (financial service compensation scheme). BANK OF BARODA Savings Account Bank of Baroda has seven types of savings account namely Baroda Centenary Saving s Account, Savings Bank Account, Super Savings Account, Nagrik Bachat Khata, Bar oda Salary Advantage Saving Account, Baroda Advantage Savings Account and Baroda Bachat Mitra. These accounts have been designed to cater to the needs of differ ent people. The Baroda Centenary Savings Account is a superior savings account with key feat ures like auto sweep facility, auto reverse sweep benefit, free collection of ou tstation cheques, etc. The Savings Bank Account is the simplest deposit option w ith zero balance facility and is easy to operate. However the bank has certain t erms and conditions for this account like minimum balance to be maintained, etc. Super Savings Account is for high value resident customers. The account can onl y be opened at banks computerized branches at Metro and Urban centers. The main features of the account include no charges for issuance of demand drafts/ Bankers cheques, free transfer of funds through mail transfers / telegraphic transfers, free Baroda Money Express, etc. Nagrik Bachat Khata is a no frill account witho ut any hidden charges. Baroda Salary Advantage Saving Account is a special salar y account with an in built overdraft facility for the salaried persons. Baroda B achat Mitra can be opened single or jointly. There is an overdraft facility secu red by assurance of term deposit in this savings account. A brief snapshot Of different saving products is as follows; Baroda savings account comparison

Features & benefits Baroda super savings bank a/c Baroda Savings Account Baroda centenary Savings account Baroda ta AQB Required Metro-25000 Urban-15000 Rs. 1000 Rs. 10000 Zero Debit Card Free Free Free Free ROI paid Quarterly Quarterly Quarterly Pass book Free Free Free Free Cheque book 40 leaves free/ annum 40 leaves free/ annum annum 20 leaves/ annum

salary Advantage nagrik bachat kha

Quarterly 40 leaves free/

Free DD/MC at home branches Free Free Chargeable Chargeable txn on any other Bank ATM Chargeable chargeable Chargeable Chargeable Interest certificate Free Free Free Free Balance certificate Chargeable Chargeable Chargeable Chargeab le Overdraft facility N.A. NA. N.A. N.A. instaAlerts (RS.) N.A. N.A. N.A. N.A Features & benefits Baroda super savings bank a/c Baroda Advantage Savings Account Baroda centenary Savings account Baroda nagrik bachat khata PhoneBanking, NetBanking, MobileBanking Free free Free Free Standing instructions Free N.A. N.A. N.A. Nomination facilty Available Available Available Availabl e Waiver on Locker rental priority Chargeable Chargeable Chargeab le Insurance benefits personal accident coverage of Rs. 250000/N.a. N.A. N.A. Sweep out Facility Auto sweep to SDR N.A. Auto sweep to SDR N.A. Discount in depository services 25% dis on depository services Demat a/c opn ch arges free Chargeable AQB Non-Maintenance Charges/ quarter RS 100+ S.t. Rs. 100 + S.T. Rs. 100 + S.T. Zero Baroda Current Account BOB Current Deposits is ideal for firm, companies, institutions, individuals et c., who need frequent banking facility. BOB provides the most basic and flexible deposit options to cater to different requirements of different sections of soc iety. Current account products by Bank of Baroda Baroda Advantage Current account Baroda Premium current account Baroda Premium current account privilege A brief snapshot of different current account products is as follows; Benefits & features Baroda Advantage Current account Baroda Premium c urrent account Baroda Premium current account privilege Minimum Quarterly Average Balance Rs 10000/-for Metro & Urban Branches & R s 1000/- for Semi-Urban & Rural Branches Rs 75000/Rs 250,000/Statement of account once free(monthly) Free two times in a month

Free two times in a month Balance Certificate free once in a year Free Free signature Verification free once in 3 months Free Free Folio charges Nil for accounts with average credit bal.of more than Rs 50000/Nil Nil Issuance of cheque books first time free cheque book of 50 leaves Free (Unlimited) Free (Unlimited) Demand Draft facility 50% discount Free of charge Bankers cheque facility 50% discount Free of charge MT/TT facility 50% discount Free of charge Immediate credit of out station cheques Maximum outstanding not to excee d Rs 50,000/-at any time Maximum outstanding not to exceed Rs 150,000/-at any time Transfer of funds amongst CBS Branches Free of charge up to Rs 25000/-per day p er account, Free of charge(Inter Sol charges) Free of charge Local base branch Free a. Free of charge in respect of any amount /any number of cash withdrawal per day per account a. Free of charge in respec t of any amount /any number of cash withdrawal per day per account Net Banking Free Free Free Auto Pay roll Free Free Free Punjab National Bank Brief history The bank was established in 1895 at Lahore. PNB s founders included several lead ers of the Swadeshi movement like Dyal Singh Majithia, Lala HarKishen Lal, Lala Lalchand, Kali Prosanna Roy, EC Jessawala, Prabhu Dayal, Bakshi Jaishi Ram, and Lala Dholan Dass. Lala Lajpat Rai was actively associated with the bankss managem ent in its early years. It holds the distinction of being the first Indian bank to have been started sol ely with Indian capital. In 1969, it was nationalized by the Government of India along with 13 other banks. CurrentProfile Punjab National Bank is serving over 3.5 crore customers through 4525 Offices in cluding 432 extension counters - largest amongst Nationalized Banks. The Bank wa s recently ranked 21st amongst top 500 companies by the leading financial daily, Economic Times. PNB s attempts at providing best customer service has earned it 9th place among Indias Most Trusted top 50 service brands in Economic Times- A.C Nielson Survey. PNB is also ranked 248th amongst the top 1000 banks in the worl d according to "The Banker" London. At the same time, the bank has been conscious of its social responsibilities by financing agriculture and allied activities and small scale industries (SSI). Co nsidering the importance of small scale industries bank has established 31 speci alized branches to finance exclusively such industries. Strong correspondent banking relationship which Punjab National Bank maintains w ith over 200 leading international banks all over the world enhances its capabil ities to handle transactions world-wide. Besides, bank has Rupee Drawing Arrange ments with 15 exchange companies in the Gulf and one in Singapore. Bank is a mem ber of the SWIFT and over 150 branches of the bank are connected through its com puter-based terminal at Mumbai. With its state-of-art dealing rooms and well-tra ined dealers, the bank offers efficient forex dealing operations in India. The bank has been focusing on expanding its operations outside India and has ide ntified some of the emerging economies which offer large business potential. Ban k has set up representative offices at Almaty: Kazakhistan, Shanghai: China and in London. Besides, Bank has opened a full fledged Branch in Kabul, Afghanistan. Keeping in tune with changing times and to provide its customers more efficient and speedy service, the Bank has taken major initiative in the field of computer ization. All the Branches of the Bank have been computerized. The Bank has also

launched aggressively the concept of "Any Time, Any Where Banking" through the i ntroduction of Centralized Banking Solution (CBS) and over 2409 offices have alr eady been brought under its ambit. PNB also offers Internet Banking services in the country for Corporates as well as individuals. Internet Banking services are available through all Branches of the Bank networked under CBS. Providing 24 hours, 365 days banking right from th e PC of the user, Internet Banking offers world class banking facilities like an ytime, anywhere access to account, complete details of transactions, and stateme nt of account, online information of deposits, loans overdraft account etc. PNB has recently introduced Online Payment Facility for railway reservation through IRCTC Payment Gateway Project and Online Utility Bill Payment Services which all ows Internet Banking account holders to pay their telephone, mobile, electricity , insurance and other bills anytime from anywhere from their desktop. Another step taken by PNB in meeting the changing aspirations of its clientele i s the launch of its Debit card, which is also an ATM card. It enables the card h older to buy goods and services at over 99270 merchant establishments across the country. Besides, the card can be used to withdraw cash at more than 25000 ATMs , where the Maestro logo is displayed, apart from the PNB s over 898 ATMs and tie up arrangements with other Banks Products and services Punjab National Bank provides its products and services in three separate catego ries personal banking, corporate banking and social banking. Besides, it also pr ovides some services in SSI sector. In personal banking section, Punjab National Bank offers savings fund accounts, credit schemes, current account, ATM or debit cards, fixed deposit schemes and n omination facilities. Its social banking services are provided to farmers and wo men. In corporate banking section, Punjab National Bank provides loans against future lease rentals, cash management services, EXIM finance and gold card scheme for exporters. In SSI sector, Punjab National Bank provides Sarthak Udhami, PNB Kush al Udhami, PNB Vikas Udhami, PNB Laghu Udhami Credit Card, PNB Karigar Credit Ca rd and PNB Pragati Udhami. It also serves traders finance sector. Punjab National Bank Saving Products These accounts are designed to help the individuals (personal customers) to incu lcate the habit of saving money and to meet their future requirement of money. T he amounts can be deposited/withdrawn from these accounts by way of cheques/with drawal slips. It helps the customers to keep minimum cash at home besides earnin g interests. . PNB has categorized savings account into three categories Total Freedom-Saving f und salary account, PNB VIDYARTHI savings fund account scheme and PNB MITRA saving s bank account. Total Freedom-Saving fund salary account is an account for corporate employees. Under this account, bank offers salary credit facility to the employees and over draft facility up to Rs 15,000/- or the last salary credited in the account, whi chever is lower, at interest rates applicable to Personal loans employees. PNB V IDYARTHI savings fund account scheme is for the students who have attained the a ge of 10 and above, studying at various recognized educational institutions. PNB MITRA savings bank account is an account created for the poorest / deserving sect ions of the society. It is a No-frills account. The account can be opened by an individual singly or jointly, minors at the age of 10 years and above, etc. The account can be opened with an initial deposit of Rs 25/-. USPs of PNB

 Account may be transferred from one branch to another branch, free of charge. Facility of standing instruction for regular payments like insurance premium, re nt, tax etc. PNB has introduced Free telebanking / fax banking facility , which provides you the following facilities Balance enquiry Last five transactions Statement of Account through fax machine (up to 45 transactions) Savings A brief account products of PNB Saving Fund Salary account PNB Vidhyarthi Saving Funds account PNB Mitra Saving bank account snapshot of various features and benefits is as follows;

Features & Benefits Saving Fund salary Account PNB Vidhyarthi Savings F unds account PNB Mitra Saving Bank Account Minimum AQB Rural-500 ; Su & U- 1000 Zero Zero AQB Non Maintenance charges Rs. 150 / Quarter Zero Zero Free cheques 20 leaves free/ annum 2 cheque books/ annum Chargeable Debit/ATM Card Chargeable Free None RTGS/ NEFT Txns Free up to Rs. 50,000 N.A. N.A. Locker charges 50% discount for 1st year only Chargeable Chargeable Overdraft Facility Chargeable Only for Students away from home Chargeable ROI Quarterly Quarterly Quarterly DD Available Free for payment towards fees. Internet Banking Free Free No Phone banking No No No Mobile Banking No No No SMS Alert No No No Nomination Facility Available Available Available Inter sol Transactions Free Free Annual fees on Demat account 100% waived N.A. N.A. Incidental Charges Free Free Free Features & Benefits Saving Fund salary Account PNB Vidhyarthi Savings F unds account PNB Mitra Saving Bank Account Ledger Folio Charges free free Free Cash transactions Free Free First 50 txns free, Thereafter chargeabl e. Balance certificate Free Free Free Interest Certificate Free Free Free Statement of account Free free Free PNB Current Account Products PNB Smart roamer PNB vaibhav account PNB gaurav account A brief snapshot of various benefits is as follows; Features PNB Smart roamer PNb vaibhav account Pnb gaurav accou nt Quarterly average balance required Rs. 25000 Rs.5,00,000/- and above Rs.1,00,000/- and above Initial Deposit Amount required for opening of the account. Rs. 5000 Rs.5,000/Rs.5,000/Non-maintenance charges

Rs. 825/- Qty Rs.3000/- Qty. Rs.1200/- Qty. Free (of transaction charges) Transactions allowed Unlimited 200 in a quarter Transaction charged/L.F. charges Chargeable Free Rs.2/- per trans action beyond 200 transaction. Inter sol transfer charges Local non-base branches Chargeable Free Free Inter sol transfer chargesOutstation non-base branches chargeable Free Upto Rs.50,000/- per day no charges, thereafter, 50% discount on normal charges. Features PNB Smart roamer PNb vaibhav account Pnb gaurav accou nt Outstation/local-cheques/ Bills, etc. collection charges freeI cheque/ q tr up to rs 10000 50% discount on normal charges 25% discount on normal c harges Free Statement on request. N,A. Upto 4 in a month Upto 2 in a mont h Statement of Account(e-mail on request) Free on monthly basis Free on monthly basis Free on Quarterly basis Remittance charges/Drafts issuing, etc. Chargeable 50% discount on normal c harges. 20% discount on normal charges. Standing Instructions Regn. Chargeable Free 50% concessions on norma l charges. De-mat A/c Charges (except charges to be paid by Ban to NSDL) 25 % Discount First Year Free First Year Free Rebate on Locker Rent (of any size) 20 % rebate if paid adv. Cfor 5 yr. 50% rebate in locker rent of one locker 25% rebate in locker rent of one locker Internet Banking Services Free Free Debit-cum-ATM Card Free Free Free RTGS Services 25% concession 50% concessions on normal charges. 20% conc essions on normal charges. Personalized Multi-City Cheque Book Free UNLIMITED Free Stop Payment Instruction charges Free Free Free Interest/Balance certificate Free Free Free Cash Withdrawals/Deposits charges at Local Non-Base Branches, free upto: Chargeable Rs.5 lac per day, thereafter 50% discount on normal charges. Rs.1 lac per day, thereafter 25% discount on normal charges. Cash Withdrawals/Deposits charges at outstation Non-Base Branches, free upto Chargeable Rs.1 lac per day, thereafter 50% discount on normal charges Rs.50,000/- per day, thereafter 25% discount on normal charges Charges on payment of outstation Multicity Cheques, Free upto 1 cheque/ Qtr ut to Rs. 10000. Rs.1 lac per day, thereafter 50% discount on normal charges. Rs.50,000/-per day, thereafter 25% discount on normal charges. Sweep Facility Available Available available PRIVATE VS NATIONALIZED BANKS Features & Benefits Savings Max Pension savings account Savings Regular Kids Advantage Senior Citizen Account No Frills account

International Debit Card Charges Free (for all applicant) or all applicants) 100 Free Maestro Debit Card (for the child Free ( for all applicants) Free ATM Card. Debit Card at rs. 100 Per day ATM CW limit (Rs.) 15000 15000 25000 1500 25000 Per day POS limit 25000 25000 35000 1000 25000 N.A. Womens Advantage Debit Card Free (for all applicant) N.A. Free if issued by Default at the time of account opening No the 1st applicant. RS. 100 for other applicants 100

Free ( f >= 7) 10000 100 Free for

Free Account Statement Monthly Quarterly Monthly Quarterly Interested Paid Quarterly Quarterly Quarterly Free DD/MC at home branches Chargeable yes No zens as per S&F brochure. BillPay charges P.A Quarterly

Quarterly Quarterly

Quarterly Quarterly

Free upto RS. 50000/day on HDFC branch locations Discounted rates for DD issuance fir senior citi

Free

Free

100

100

100

100

Features & Benefits Savings Max Savings Plus

Savings Regular Kids Advantage Senior Citizen Account No Frills account instaAlerts (RS.) Free Free Free Free Free free PhoneBanking, NetBanking, MobileBanking Free Free Free Free Free free Waiver on Locker rental 50% discount on 1st year 25% discount on 1st year N.A. N.A. N.A. N.A. Insurance benefits N.A. N.A. N.A. Free education insurance cover o f RS. 1lacin the event of death of the parent. Accidental Hospitalisation cover of RS.50000 p.a. on the Debit Card. N.A. Sweep out Facility Available N.A. N.A. Available N.A. N.A. Investments in mf Option to invest through SIP in the name of kid AQB Requirements 25000 Zero 1000(u) & 5000 (su) 10000(u) & 5000 (su 5000 0 AQB Non-Maintainance Charges/ quarter AQB between Rs. 10000-25000; rs. 1000. AQB<rs.10000; rs. 1500 zero Rs 750 Rs. 300 Rs. 250 0

HDFC Current account Now, with an HDFC Bank Current Account, experience the freedom of multi-city ban king! You can have the power of multi-location access to your account from any o f our 1,725 branches in 779 cities. Not only that, you can do most of your banki ng transactions from the comfort of your office or home without stepping out. We make it our business to help you with your business by offering you a Current Account with all the benefits you need to stay ahead of your competition. HDFC Bank, understand that running a business requires time and money, also that your business needs are constantly evolving. It provides you with a choice of C urrent Account options to exclusively suit your business - whatever the size or scope. Current Account Products of HDFC Bank HDFC Bank Plus Current account Merchant Establishment Plus HDFC Bank Trade Premium Current account Regular Current account

The various distinctive features of different current account products is given below for better understanding-:

Features & Benefits HDFC Bank Plus Merchant Establishment Plus HDFC Bank Trade PREMIUM Current Account REGULAR Current Account FLEXI Current Account APEX Current Account Max Current Account Average Quarterly Balance RS. 100,000 RS. 50,000 RS. 40,000 RS. 25,000 RS. 10,000 AMB- 75000 Rs. 10 lacs Rs. 10 lac Pay Orders (PO) -on HDFC Bank Locations (Issued from Any Branch) Free up to 50 POs per month Free up to 50 POs per month. to 30 POs per month. Chargeable Chargeable free Free

Free up

Free Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) Free up to 50 DDs per month Free up to 50 DDs per month. Free up to 30 DDs per month. Chargeable Chargeable Free Free Free

Outstation Cheque Collection on Branch Locations

Free

Free

Chargeable

Chargeable

Chargeable

Free

Free

Free NEFT/EFT Transactions :Payment &collection

Free

Free

Free

Free

Free

Free

free

Free Features & Benefits HDFC Bank Plus Merchant Establishment Plus HDFC Bank Trade PREMIUM Current Account REGULAR Current Account FLEXI Current Account APEX Current Account Max Current Account RTGS Transactions :Payment Free Free Free 100 per txn 100 per txn Free Free Free RTGS TXN: COLLECTION Free Free Account Statement Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Account Statement through IVR Rs.50/- per statement Rs.50/- per statement Rs.50/- per statement Rs.50/- per statement Rs.50/- per statement Rs.50/- per statement

Free

Free

Free

Free

Free

Free

Rs.50/- per statement

Rs.50/- per statement

Cheque Book Charges free Free Doorstep Banking le Chargeable Balance certificate le Chargeable Interest certificate le Chargeable

free free Chargeable Chargeable chargeable chargeable chargeable chargeable

Chargeable Chargeable Chargeable Chargeable Chargeable Chargeable chargeable

Free free Chargeable chargeable chargeable Chargeable chargeable chargeable

Free Chargeab chargeab chargeab

ICICI BANK HISTORY ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly -owned subsidiary. ICICI s shareholding in ICICI Bank was reduced to 46% through a public offering of shares in India in fiscal 1998, an equity offering in the form of ADRs listed on the NYSE in fiscal 2000, ICICI Bank s acquisition of Bank of Madura Limited in an all-stock amalgamation in fi scal 2001, and secondary market sales by ICICI to institutional investors in fiscal 2001 and fiscal 2002. ICICI was formed in 1955 at the initiative of the World Bank, the Government of India and representatives of Indian industry. The principal objective was to create a development financial institution for providing medium -term and long-term project financing to Indian businesses. In the 1990s, ICICI transformed its business from a development financial institution offering only project finance to a diversif ied financial services group offering a wide variety of products and services, both directly and through a nu mber of subsidiaries and affiliates like ICICI Bank. In 1999, ICICI become the first Indian company and t he first bank or financial institution from non-Japan Asia to be listed on the NYSE. After consideration of various corporate structuring alternatives in the context of the emerging competitive scenario in the Indian banking industry, and the move towards universal banking, the managements of ICICI and ICICI Bank formed the view that the merger of ICICI with ICICI Bank would be the optimal strategic alternative for both entities, and would create the optimal legal structure for the ICICI group s universal banking strategy. The merger would enhance value for ICICI shareholders through the merged entity s access to low-cost deposits, greater opportunities for earning fee-based income and the ability to participate in the payments system and provide transaction-banking services. The merger woul d enhance value for ICICI Bank shareholders through a large capital base and scale of operations, seamless access to ICICI s strong corporate relationships built up over five decades, entry into new business segm ents, higher market share in various business segments, particularly fee-based services, and access to the vast talent pool of ICICI. In October 2001, the Boards of Directors of ICICI and ICICI Bank approved the me rger of ICICI and two of its

wholly-owned retail finance subsidiaries, ICICI Personal Financial Services Lim ited and ICICI Capital Service s Limited, with ICICI Bank. The merger was approved by shareholders of ICICI and ICICI Bank in January 2002, by the High Court of Gujarat at Ahmadabad in March 2002, and by the High C ourt of Judicature at Mumbai and the Reserve Bank of India in April 2002. Consequent to the merger, th e ICICI group s financing and banking operations, both wholesale and retail, have been integrated in a si ngle entity. Present scenario ICICI Bank is India s second-largest bank with total assets of Rs.3,793.01 billi on (US$ 75 billion) at March 31 , 2009 and profit after tax Rs.37.58 billion for the year ended March 31, 2009. The Bank has a network of 1,454 branches and about 4,721 ATMs in India and presence in 18 countries. ICIC I Bank offers a wide range of banking products and financial services to corporate and retail customers th rough a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management. The Bank currently has subsidiaries in the United Kingdom, Russia and Canada, br anches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Mal aysia and Indonesia. Their UK subsidiary has established branches in Belgium and Germany.

USPs of ICICI Bank casa products Hand-to-hand delivery of Welcome Kit on account opening. Debit-cum-ATM card To all ICICI account holders. 8 to 8 banking facilities for the ease of customers 24-hour Customer Care is always available to answer any query or take your instr uctions. Free fund transfer across all product types with ICICI Bank. Free NEFT across all product types Insta Banking services like Ibanking, tv banking, IVR banking, Internet banking & ATM banking. Nomination Facility - You may nominate a person as beneficiary to your account p roceeds. Money Multiplier Facility - take care of your idle money by moving it into high interest savings account earning.. Privilege Banking services ensures preferential treatment to its customers. Preferential rates for Gold coins, Deposit lockers & foreign exchange for privil ege customers. Deeper penetration into the rural areas by making its rural banking a standalone division SAVINGS ACCOUNT PRODUCTS of ICICI Bank ICICI bank offers wide variety of Deposit Products tailor made to suit different needs of the; customers to suit their banking needs. The various savings deposit schemes off ered by ICICI Bank are Savings Account

 Life Plus Senior Citizen account Family Banking Young stars Advantage Woman savings account A brief overview of distinctive features of ICICI savings products is compiled b elow for better understanding: Product type Savings account Privilege banking Titanium privilege Gold pri vilege Silver privilege Life plus senior citizen account Family b anking Young stars Advantage woman savings account Dedicated branch BM yes No No designated senior citize n desk Priority processing at branches & phone banking NO Yes yes NO NO NO NO NO Debit card Debit cum ATM card Titanium Gold Silver Life plu s ATM card Debit cum ATM card international debit card on request Internationals womens debit card Annual fees on debit card Free Free Free Rs.99 Free Free free Daily withdrawal limit 1,00,000 50,000 25,0000 DD/ PO charges Free Free up to rs. 1lac/day Free up to rs. 50,000/ d ay Product type Savings account Privilege banking Titanium privilege Gold pri vilege Silver privilege Life plus senior citizen account Family b anking Young stars Advantage woman savings account Free anywhere banking Yes Yes 1 deposit/ withdrawal free / mon th Money multiplier facility yes Yes Yes yes Yes Bill pay Yes yes yes yes Phone banking Yes Yes yes Internet banking Yes Yes Yes yes Yes Yes Yes yes Free physical statement Quarterly Monthly Quarterly quarterly Quarterly Quarterly Quarterly quarterly Special assets deal Yes Yes yes QAB R & SU- rs.5000. Metro & urban rs. 10000 Rs. 75000 Rs. 50000 Rs. 25000 Rs. 5000 Rs. 2500 Rs. 10000 or 0 bal with RD of rs.2000 ICICI CURRENT ACCOUNT ICICI Bank Current Account supports unlimited cash withdrawals and deposits alon g with unlimited Cheque book facility. It is ideal for a businessman or stockists, joint stock companies or partnership firms, institutions , public authorities or public corporations etc. the benefits of an ICICI Bank C urrent Account include multicity cheques payment facility, DD and Pay Orders, funds transfer, internet, mobile ba nking, anywhere banking, doorstep banking and statements, advices, daily statements through e mails. Current account products of ICICI Bank Standard Current account

Privilege current account Classic Premium Gold Gold plus current account Platinum Current account Elite current account Gold Gold Plus Platinum

Product type Standard Classic Premium elite Average Quarterly Balance Rs. 10000 Rs. 100,000 Rs. 300,000 Rs. 500,000 AQB non maintenance charges Rs. 300 Rs. 400 Rs. 5000 Rs. 10000 Cash deposit base location (Rs.) 100,000 30,00,000 50,00,000 10,000,000 Product type Standard Classic Premium elite Cash deposit non base location NIL NIL 5,00,000 10,00,000

Rs. 25000 Rs. 50000 Rs. 10,00,000 Rs. 500 Rs. 1000 Rs. 3000 250,000 500,000 10,00,000 Gold NIL Gold Plus 1,00,000 Platinum 3,00,000

Cheque leaves per month(nos.) 25 cheques leaves free per month. Charges Rs.2/ leave beyond 25 50 cheques leaves free per month. Charges Rs.2/ leave beyond 50 100 cheques leaves free per month. Charges Rs.2/ leave beyond 100 200 cheq ues leaves free per month. Charges Rs.2/ leave beyond 200 600 cheques leav es free per month. Charges Rs.2/ leave beyond 600 1000 cheque leaves free per month. Charges Rs.2/ leave beyond 1000 2000 cheque leaves free per mont h. Charges Rs.2/ leave beyond 2000 Total txns (nos.) 20 50 100 200 600 1000 2000 Cash withdrawal base branch(Rs) Unlimited free on value for self; max Rs. 50000 per txn for 3rd party payment Cash withdrawal non base branch (Rs.) Rs. 50,000 free per day; allowed only for self-cheques RTGS payment (Rs.) Rs. 25 pet txn Rs. 25 per txn Free Free Free Free free Debit card charges Rs. 250/annum Rs. 250/annum Rs. 250/annum Rs. 250/annum Rs. 250/annum Rs. 250/annum Rs. 250/ annum Product type Standard Classic Premium Gold Gold Plus Platinum elite ATM txns at other bank ATM Enquiry Rs.9 Withdrawl Rs. 18 Enquiry Rs.9 Withdrawl Rs. 18 Enquiry Rs.9 Withdrawl Rs. 18 Enquiry Rs.9 Withdrawl Rs. 18 Enquiry Rs.9 Withdrawl Rs. 18 Enquiry Rs.9 Withdrawl Rs. 18 Enquiry Rs.9 Withdrawl Rs. 18 Mobile alerts Rs 25/ month Rs 25/ month Rs 25/ month Free Free Free free Phone banking txns 5 free txns per day. Rs 25/ txn beyond free limit. 5 free txns per day. Rs 25/ txn beyond free limit 5 free txns per day. Rs 25/ txn beyond free limit 5 free txns per day. Rs 25/ txn beyond free limi t 5 free txns per day. Rs 25/ txn beyond free limit 5 free txns per day. Rs 25/ txn beyond free limit 5 free txns per day. Rs 25/ txn beyond f ree limit

ABOUT AXIS BANK History Axis Bank was the first of the new private banks to have begun operations in 199 4, after the Government of India allowed new private banks to be established. The Bank was promoted jointly by the Administrator of the specified undertaking of the Unit Trust of India (UTI - I), Life Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC) and other four PSU insurance compan ies, i.e. National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insur ance Company Ltd. and United India Insurance Company Ltd. The Bank today is capitalized to the extent of Rs. 405.17 crores with the public holding (other than promoters and GDRs) at 53.09%. The Bank s Registered Office is at Ahmedabad and its Central Office is located a t Mumbai. The Bank has a very wide network of more than 1000 branches and Extension Counters (as on 31st March 2010). The Bank has a network of over 4055 ATMs (as on 31st March 2010) providing 24 hrs a day banking convenience to its customers. This is one of the largest ATM networks in the country. The Bank has strengths in both retail and corporate banking and is committed to adopting the best industry practices internationally in order to achieve excellence. Promoters Axis Bank Ltd. has been promoted by the largest and the best Financial Instituti on of the country, UTI. The Bank was set up with a capital of Rs. 115 crore, with UTI contributing Rs. 100 c rore, LIC - Rs. 7.5 crore and GIC and its four subsidiaries contributing Rs. 1.5 crore each. PROFILE Axis Bank Limited. The Group s principal activity is to provide commercial banki ng services. It operates in four segments: treasury, retail banking, corporate/wholesale banking and other b anking business. The treasury operations include investments in sovereign and corporate debt, equity and mutual funds, trading

operations, derivative trading and foreign exchange operations on the account, a nd for customers and central funding. Retail banking includes lending to individuals/small businesses subject to the orientation, Product and granularity criterion. It also includes liability products, card ser vices, Internet banking, automated teller machines (ATM) services, depository, financial advisory service s, and nonresident Indian (NRI) services. The corporate/wholesale banking segment includes corporate relat ionships not included under retail banking, corporate advisory services, placements and syndication, m anagement of publics issue , project appraisals, capital market related services. USPs of AXIS Bank Hand To hand Welcome Kit on account opening. a passbook and monthly statement of account to keep you updated on all your tran sactions 24x7 Telebanking & Internet banking. Customized savings account to suit your specific financial requirements. . At Par cheque facility for all account holders, you have the unique advantage to encase your cherubs as a local cheque. Extended cash and cheque pickup services are provided free of cost. You can also have cash delivered at your residence at a nominal charge of Rs 50 per deliv ery. Online funds transfer, requests for a new cheque book, Financial Advisory Servic es (FAS), online Shopping and information on mutual funds. Tailor made CASA products to suit the requirement of customers AXIS Bank saving account Axis Bank has a wide range of savings account to make your banking transactions easy and to cater different needs of various sections of society. Bank has Zero Balance Savings Account in which you do not have to maintain an average quarterly balance. EasyAccess Savings Account for instant access to your money anywhere, a nytime. Azaadi Account is a NO FRILL account. No need to maintain a fixed, mandatory amount in your account. Prime Sa vings account has been created keeping in mind your specific financial requirements to give wider accessibility. Senior Ci tizen Savings Account has been created to make banking transactions easy and cater all their requirements. A brief snapshot of Various Features & benefits of different saving account products is as follows:

Features & Benefits Easy accessibility Prime Savings No frill Senior privilege Minimum AQB R- 1000 Su & U 2500 Rs 25000 zero R- 500 SU & u- 750 ATM cum Debit card Chargeable Chargeable Chargeable Free ATM cash withdrawal limit Rs. 40000 40000 40000 Free account Statement Quarterly Monthly Monthly Overdraft facility No No No No Reward points No No No No Internet Banking Yes yes Yes Yes

Phone Banking Yes No Yes No Mobile banking Yes; Rs 120/annum Yes; Rs 120/annum Yes; Rs. 120/ann um Yes; Rs. 120/ annum SMS Alert no No No No Cash txn Free up to 5 txns Free up to 5 txns Free up to 5 txns Pass Book free Free Free free Cheque Book 20 leaves free; thereafter chargeable 20 leaves free; thereaft er chargeable Free PAP cheque book DD/PO chargeable Free Free Nomination Facility N.A. N.A.. N.A. N.A. ROI Quarterly Quarterly Quarterly quarterly

Current account products of AXIS Bank Axis Bank offers variety of current account products with varied features to mee t the different requirement of variety of customers. A brief snapshot of dif. p roducts is as follows;Features & benefits Normal current account Business select account Business privilege account Current account for builders & real estate Club 50 current account Krishi current account Minimum AQB Rs 10000 Rs. 50000 Rs 500,000 Rs 500,000 Half year bal- 50 lacs Half yearly bal; U-10000 SU- 5000 DD/ PO Chargeable Free 4 DD/PO Free 10 DD/PO Free Free Chargeab le ATM cum debit card Chargeable chargeable Chargeable Free Free Chargeable Anywhere banking N.A. free Free Free Free Free Doorstep banking N.A. Chargeable Free Free free N.A. Fund transfer across Axis Bank( home branch) chargeable Free Free Free Free Free Mobile alerts chargeable Chargeable Chargeable Chargeable Free Chargeable Free Account statement Quarterly Monthly Monthly Monthly Monthly Monthly NEFT/RTGs txns chargeable Chargeable Chargeable Chargeable Free Chargeable Features & benefits Normal current account Business select account Business privilege account Current account for builders & real estate Club 50 current account Krishi current account

Chequebook chargeable Free Cheque pickup within city limits Free Free N.A. Standing Instructions N.A. Free

Free Free chargeable Free Free

Free Free chargeable Free N.A.

free

STATE BANK OF INDIA HISTORY The evolution of State Bank of India can be traced back to the first decade of t he 19th century. It began with the establishment of the Bank of Calcutta in Calc utta, on 2 June 1806. The bank was redesigned as the Bank of Bengal, three years later, on 2 January 1809. It was the first ever joint-stock bank of the British India, established under the sponsorship of the Government of Bengal. Subsequen tly, the Bank of Bombay (established on 15 April 1840) and the Bank of Madras (e stablished on 1 July 1843) followed the Bank of Bengal. These three banks domina ted the modern banking scenario in India, until when they were amalgamated to fo rm the Imperial Bank of India, on 27 January 1921. An important turning point in the history of State Bank of India is the launch o f the first Five Year Plan of independent India, in 1951. The Plan aimed at serv ing the Indian economy in general and the rural sector of the country, in partic ular. Until the Plan, the commercial banks of the country, including the Imperia l Bank of India, confined their services to the urban sector. Moreover, they wer e not equipped to respond to the growing needs of the economic revival taking sh ape in the rural areas of the country. Therefore, in order to serve the economy as a whole and rural sector in particular, the All India Rural Credit Survey Com mittee recommended the formation of a state-partnered and state-sponsored bank. The All India Rural Credit Survey Committee proposed the take over of the Imperi al Bank of India, and integrating with it, the former state-owned or state-assoc iate banks. Subsequently, an Act was passed in the Parliament of India in May 19 55. As a result, the State Bank of India (SBI) was established on 1 July 1955. T his resulted in making the State Bank of India more powerful, because as much as a quarter of the resources of the Indian banking system were controlled directl y by the State. Later on, the State Bank of India (Subsidiary Banks) Act was pas sed in 1959. The Act enabled the State Bank of India to make the eight former St ate-associated banks as its subsidiaries. The State Bank of India emerged as a pacesetter, with its operations carried out by the 480 offices comprising branches, sub offices and three Local Head Office s, inherited from the Imperial Bank. Instead of serving as mere repositories of the community s savings and lending to creditworthy parties, the State Bank of I ndia catered to the needs of the customers, by banking purposefully. The bank se rved the heterogeneous financial needs of the planned economic development.

Branches The corporate center of SBI is located in Mumbai. In order to cater to different functions, there are several other establishments in and outside Mumbai, apart from the corporate center. The bank boasts of having as many as 14 local head of fices and 57 Zonal Offices, located at major cities throughout India. It is reco rded that SBI has about 10000 branches, well networked to cater to its customers throughout India. ATMServices SBI provides easy access to money to its customers through more than 8500 ATMs i n India. The Bank also facilitates the free transaction of money at the ATMs of State Bank Group, which includes the ATMs of State Bank of India as well as the Associate Banks State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State B ank of Indore, etc. You may also transact money through SBI Commercial and Inter national Bank Ltd by using the State Bank ATM-cum-Debit (Cash Plus) card. Subsidiaries The State Bank Group includes a network of eight banking subsidiaries and severa l non-banking subsidiaries. Through the establishments, it offers various servic es including merchant banking services, fund management, factoring services, pri mary dealership in government securities, credit cards and insurance. USPs of State Bank of India Free ATM CUM DEBIT CARD which provide access to the widest network of ATMs acro ss the country to withdraw cash, enquire about your balance, etc. Unlimited number of payments Payments by standing instructions. Remit funds from any part of the country to your account. Upcountry Cheque Collection facility. Money multiplier facility. Overdraft facility. Transfer of accounts between our wide network of branches without any charge. Nomination Facility - Available SBI Saving Account products SBI Savings Bank Account helps you to plan and save for your future financial re quirements. Your savings remain liquid, safe and earn moderate interest. The var ious schemes by SBI are-; Savings Plus Account No Frill Account Premium Savings Account CAPGAIN Plus Account SBI Surabhi Saving Scheme A brief snapshot of different SBI Savings schemes is as follows; Features & Benefits Savings plus a/c Premium Saving a/c NO FRILL a/c CAPGAIN plus a/c SBI- Surabhi saving scheme Min AQB Rs. 5000 Rs. 25000 Nil Rs. 1000 Rs. 1000 Nomination facility Allowed Allowed Allowed Allowed Allowed Free passbook Available Available Available Available Available ATM-cum Debit card Free Free Gold Card Free N.a. N.a International ATM Debitcard N.a N.A. Insurance Benefits Life cover at special premium. Cheque book Free Multicity cheque book free Free No Chargeab le Interest payable Half yearly Half yearly Half yearly Halfyear ly Half yearly Sweep in facility Auto sweep to MOD Auto sweep to MOD N.A.

n.a. Available Internet Banking free RTGS/NEFT txns Chargeable SMS Alert No Free Locker Facility chargeable le Overdraft facility No Draft Issue/ cheque collection le

Free N.A. Free N.A. No No chargeable Yes

Chargeable Chargeable No Chargeable

Chargeable Chargeable N.A. Chargeab chargeab

yes N.a. N.A. 50 % concession

SBI Current Account Products SBI offers power jyoti for institutions, charitable organizations etc, using gen eric fee collection functionality. It has various other current account products that make banking facility accessible to vast sections of traders, Individual c ustomers & Non- Individual Customers. The different SBI current aaount products are-; SBI SME Power Jyoti SBI sahaj SBI SME Power Gain SBI SME Power Pack Features/ benefits SBI SME Power Jyoti SBI sahaj SBI SME Power Ga in SBI SME Power Pack Min. AQB Rs. 25000 Rs. 1000 RS 100,000 Rs 500,000 OD facility N.A. N.A. Available Available Cheque Book N.A. Chargeable Free Free Features/ benefits SBI SME Power Jyoti SBI sahaj SBI SME Power Ga in SBI SME Power Pack Debit cum ATM card N.A. Free Free Free International Debit Card N.A. N.A. Chargeable Free Card withdrawl limit Rs 15000 Rs. 25000 Rs. 45000 Internet Banking Free Free Free Free Fund transfer( home branch) chargeable Free free Free Fund transfer (outstation branch) Chargeable Chargeable Chargeab le Free Standing instructions N.A. Chargeable chargeable free Collection of cheques & inward bill No charges for fee collection N.A. Chargeable Free PO/ bankers cheque N.A. chargeable free free Doorstep Banking N.A. N.A. N.A. Free Demat services N.A. chargeable chargeable Free RTGS Facility N.A. chargeable Chargeable Free

Bank of Baroda Brief history Prior to independence from the British Rule, the ancient India was ruled by prin cely states, scattered over the width and breadth of the large Indian nation. T he Maharajas of the inner States of colonial India contributed to the welfare of their respective regions as well as the Indian nation as a whole. Their vision and foresight in founding various financial, charitable, social and philanthrop ic organizations during their time is still cherished by any one going into the history of modern India and its achievements in every walk of life. The Maharaja of Baroda, a princely state of British India, by name Sir Sayyajira o Gaekwad III, had the same vision in establishing a bank for servicing the publ ic at large and the citizens of Baroda State, a Gujarathi population in particul ar. On 20th July 1908, Bank of Baroda was established under the rules of Compani

es Act 1897, in a small building at Baroda, by the Maharaja with a paid up capit al of Rs.10 lakhs. The guidelines set by the Maharaja for the bank was to serve the people of the State of Baroda as well as the neighboring regions with money lending, saving, transmission and encouraging the development of arts, science, commerce and trade for the people. Even during the worst financial disaster caused by the First World War, during t he period 1913 to 1917, when as many as 87 banks closed their shutters, Bank of India survived the turbulence with its clear vision, ethical standards and finan cial prudence to grow from strength to strength. There were heroes to sustain th e development of this bank to its present glory, from ordinary people as custome rs and the heirs of the Royal family of Baroda. Present scenario Bank of Baroda is the 3rd largest bank in India, after State Bank of India and Punjab National Bank and ahead of ICICI Bank. BOB has total assets in excess of Rs. 2.27 lakh crores, or Rs. 2,274 billion, a network of over 3000 branches and offices, and about 1100+ ATMs. It offers a wide range of banking products and fi nancial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas o f investment banking, credit cards and asset management. Products and services Bank of Baroda provides it banking products and services in several categories l ike personal, international, business, treasury, corporate and rural. In persona l banking section Bank of Baroda offers products like deposits, debit cards, Gen -Next, personal banking services, loans, lockers and credit cards.In business ba nking sector, Bank of Baroda offers products and services such as deposits, busi ness banking services, loans and advances and lockers. In corporate banking sect ion, Bank of Baroda offers products and services like wholesale banking, loans a nd advances, deposits and corporate banking services. USPs of BANK OF BARODA. Widened Network Of Branches at prime Locations in Haldwani. Free Pass book to all account holders which enable them to keep track of all tra nsactions. Free debit Cards on all products. Facility to view account balance & transactions over Internet. Facility to set-up Standing Instructions for remittance and transfer of funds. Free Statement of Account once a month. Free Balance Certificate once a year. Deposits are guaranteed under FSCS (financial service compensation scheme). BANK OF BARODA Savings Account Bank of Baroda has seven types of savings account namely Baroda Centenary Saving s Account, Savings Bank Account, Super Savings Account, Nagrik Bachat Khata, Bar oda Salary Advantage Saving Account, Baroda Advantage Savings Account and Baroda Bachat Mitra. These accounts have been designed to cater to the needs of differ ent people. The Baroda Centenary Savings Account is a superior savings account with key feat ures like auto sweep facility, auto reverse sweep benefit, free collection of ou tstation cheques, etc. The Savings Bank Account is the simplest deposit option w ith zero balance facility and is easy to operate. However the bank has certain t erms and conditions for this account like minimum balance to be maintained, etc. Super Savings Account is for high value resident customers. The account can onl y be opened at banks computerized branches at Metro and Urban centers. The main features of the account include no charges for issuance of demand drafts/ Bankers cheques, free transfer of funds through mail transfers / telegraphic transfers, free Baroda Money Express, etc. Nagrik Bachat Khata is a no frill account witho ut any hidden charges. Baroda Salary Advantage Saving Account is a special salar y account with an in built overdraft facility for the salaried persons. Baroda B achat Mitra can be opened single or jointly. There is an overdraft facility secu

red by assurance of term deposit in this savings account. A brief snapshot Of different saving products is as follows; Baroda savings account comparison Features & benefits Baroda super savings bank a/c Baroda Savings Account Baroda centenary Savings account Baroda ta AQB Required Metro-25000 Urban-15000 Rs. 1000 Rs. 10000 Zero Debit Card Free Free Free Free ROI paid Quarterly Quarterly Quarterly Pass book Free Free Free Free Cheque book 40 leaves free/ annum 40 leaves free/ annum annum 20 leaves/ annum

salary Advantage nagrik bachat kha

Quarterly 40 leaves free/

Free DD/MC at home branches Free Free Chargeable Chargeable txn on any other Bank ATM Chargeable chargeable Chargeable Chargeable Interest certificate Free Free Free Free Balance certificate Chargeable Chargeable Chargeable Chargeab le Overdraft facility N.A. NA. N.A. N.A. instaAlerts (RS.) N.A. N.A. N.A. N.A Features & benefits Baroda super savings bank a/c Baroda Advantage Savings Account Baroda centenary Savings account Baroda nagrik bachat khata PhoneBanking, NetBanking, MobileBanking Free free Free Free Standing instructions Free N.A. N.A. N.A. Nomination facilty Available Available Available Availabl e Waiver on Locker rental priority Chargeable Chargeable Chargeab le Insurance benefits personal accident coverage of Rs. 250000/N.a. N.A. N.A. Sweep out Facility Auto sweep to SDR N.A. Auto sweep to SDR N.A. Discount in depository services 25% dis on depository services Demat a/c opn ch arges free Chargeable AQB Non-Maintenance Charges/ quarter RS 100+ S.t. Rs. 100 + S.T. Rs. 100 + S.T. Zero Baroda Current Account BOB Current Deposits is ideal for firm, companies, institutions, individuals et c., who need frequent banking facility. BOB provides the most basic and flexible deposit options to cater to different requirements of different sections of soc iety. Current A brief account products by Bank of Baroda Baroda Advantage Current account Baroda Premium current account Baroda Premium current account privilege snapshot of different current account products is as follows;

Benefits & features Baroda Advantage Current account Baroda Premium c urrent account Baroda Premium current account privilege Minimum Quarterly Average Balance Rs 10000/-for Metro & Urban Branches & R s 1000/- for Semi-Urban & Rural Branches Rs 75000/Rs 250,000/Statement of account once free(monthly) Free two times in a month Free two times in a month Balance Certificate free once in a year Free Free signature Verification free once in 3 months Free Free Folio charges Nil for accounts with average credit bal.of more than Rs 50000/Nil Nil Issuance of cheque books first time free cheque book of 50 leaves Free (Unlimited) Free (Unlimited) Demand Draft facility 50% discount Free of charge Bankers cheque facility 50% discount Free of charge MT/TT facility 50% discount Free of charge Immediate credit of out station cheques Maximum outstanding not to excee d Rs 50,000/-at any time Maximum outstanding not to exceed Rs 150,000/-at any time Transfer of funds amongst CBS Branches Free of charge up to Rs 25000/-per day p er account, Free of charge(Inter Sol charges) Free of charge Local base branch Free a. Free of charge in respect of any amount /any number of cash withdrawal per day per account b. Free of charge in respec t of any amount /any number of cash withdrawal per day per account Net Banking Free Free Free Auto Pay roll Free Free Free Punjab National Bank Brief history The bank was established in 1895 at Lahore. PNB s founders included several lead ers of the Swadeshi movement like Dyal Singh Majithia, Lala HarKishen Lal, Lala Lalchand, Kali Prosanna Roy, EC Jessawala, Prabhu Dayal, Bakshi Jaishi Ram, and Lala Dholan Dass. Lala Lajpat Rai was actively associated with the bankss managem ent in its early years. It holds the distinction of being the first Indian bank to have been started sol ely with Indian capital. In 1969, it was nationalized by the Government of India along with 13 other banks. CurrentProfile Punjab National Bank is serving over 3.5 crore customers through 4525 Offices in cluding 432 extension counters - largest amongst Nationalized Banks. The Bank wa s recently ranked 21st amongst top 500 companies by the leading financial daily, Economic Times. PNB s attempts at providing best customer service has earned it 9th place among Indias Most Trusted top 50 service brands in Economic Times- A.C Nielson Survey. PNB is also ranked 248th amongst the top 1000 banks in the worl d according to "The Banker" London. At the same time, the bank has been conscious of its social responsibilities by financing agriculture and allied activities and small scale industries (SSI). Co nsidering the importance of small scale industries bank has established 31 speci alized branches to finance exclusively such industries. Strong correspondent banking relationship which Punjab National Bank maintains w ith over 200 leading international banks all over the world enhances its capabil ities to handle transactions world-wide. Besides, bank has Rupee Drawing Arrange ments with 15 exchange companies in the Gulf and one in Singapore. Bank is a mem ber of the SWIFT and over 150 branches of the bank are connected through its com puter-based terminal at Mumbai. With its state-of-art dealing rooms and well-tra ined dealers, the bank offers efficient forex dealing operations in India. The bank has been focusing on expanding its operations outside India and has ide ntified some of the emerging economies which offer large business potential. Ban

k has set up representative offices at Almaty: Kazakhistan, Shanghai: China and in London. Besides, Bank has opened a full fledged Branch in Kabul, Afghanistan. Keeping in tune with changing times and to provide its customers more efficient and speedy service, the Bank has taken major initiative in the field of computer ization. All the Branches of the Bank have been computerized. The Bank has also launched aggressively the concept of "Any Time, Any Where Banking" through the i ntroduction of Centralized Banking Solution (CBS) and over 2409 offices have alr eady been brought under its ambit. PNB also offers Internet Banking services in the country for Corporates as well as individuals. Internet Banking services are available through all Branches of the Bank networked under CBS. Providing 24 hours, 365 days banking right from th e PC of the user, Internet Banking offers world class banking facilities like an ytime, anywhere access to account, complete details of transactions, and stateme nt of account, online information of deposits, loans overdraft account etc. PNB has recently introduced Online Payment Facility for railway reservation through IRCTC Payment Gateway Project and Online Utility Bill Payment Services which all ows Internet Banking account holders to pay their telephone, mobile, electricity , insurance and other bills anytime from anywhere from their desktop. Another step taken by PNB in meeting the changing aspirations of its clientele i s the launch of its Debit card, which is also an ATM card. It enables the card h older to buy goods and services at over 99270 merchant establishments across the country. Besides, the card can be used to withdraw cash at more than 25000 ATMs , where the Maestro logo is displayed, apart from the PNB s over 898 ATMs and tie up arrangements with other Banks Products and services Punjab National Bank provides its products and services in three separate catego ries personal banking, corporate banking and social banking. Besides, it also pr ovides some services in SSI sector. In personal banking section, Punjab National Bank offers savings fund accounts, credit schemes, current account, ATM or debit cards, fixed deposit schemes and n omination facilities. Its social banking services are provided to farmers and wo men. In corporate banking section, Punjab National Bank provides loans against future lease rentals, cash management services, EXIM finance and gold card scheme for exporters. In SSI sector, Punjab National Bank provides Sarthak Udhami, PNB Kush al Udhami, PNB Vikas Udhami, PNB Laghu Udhami Credit Card, PNB Karigar Credit Ca rd and PNB Pragati Udhami. It also serves traders finance sector. Punjab National Bank Saving Products These accounts are designed to help the individuals (personal customers) to incu lcate the habit of saving money and to meet their future requirement of money. T he amounts can be deposited/withdrawn from these accounts by way of cheques/with drawal slips. It helps the customers to keep minimum cash at home besides earnin g interests. . PNB has categorized savings account into three categories Total Freedom-Saving f und salary account, PNB VIDYARTHI savings fund account scheme and PNB MITRA saving s bank account. Total Freedom-Saving fund salary account is an account for corporate employees. Under this account, bank offers salary credit facility to the employees and over draft facility up to Rs 15,000/- or the last salary credited in the account, whi chever is lower, at interest rates applicable to Personal loans employees. PNB V IDYARTHI savings fund account scheme is for the students who have attained the a ge of 10 and above, studying at various recognized educational institutions. PNB MITRA savings bank account is an account created for the poorest / deserving sect ions of the society. It is a No-frills account. The account can be opened by an

individual singly or jointly, minors at the age of 10 years and above, etc. The account can be opened with an initial deposit of Rs 25/-. USPs of PNB Account may be transferred from one branch to another branch, free of charge. Facility of standing instruction for regular payments like insurance premium, re nt, tax etc. PNB has introduced Free telebanking / fax banking facility , which provides you the following facilities Balance enquiry Last five transactions Statement of Account through fax machine (up to 45 transactions) Savings A brief account products of PNB Saving Fund Salary account PNB Vidhyarthi Saving Funds account PNB Mitra Saving bank account snapshot of various features and benefits is as follows;

Features & Benefits Saving Fund salary Account PNB Vidhyarthi Savings F unds account PNB Mitra Saving Bank Account Minimum AQB Rural-500 ; Su & U- 1000 Zero Zero AQB Non Maintenance charges Rs. 150 / Quarter Zero Zero Free cheques 20 leaves free/ annum 2 cheque books/ annum Chargeable Debit/ATM Card Chargeable Free None RTGS/ NEFT Txns Free up to Rs. 50,000 N.A. N.A. Locker charges 50% discount for 1st year only Chargeable Chargeable Overdraft Facility Chargeable Only for Students away from home Chargeable ROI Quarterly Quarterly Quarterly DD Available Free for payment towards fees. Internet Banking Free Free No Phone banking No No No Mobile Banking No No No SMS Alert No No No Nomination Facility Available Available Available Inter sol Transactions Free Free Annual fees on Demat account 100% waived N.A. N.A. Incidental Charges Free Free Free Features & Benefits Saving Fund salary Account PNB Vidhyarthi Savings F unds account PNB Mitra Saving Bank Account Ledger Folio Charges free free Free Cash transactions Free Free First 50 txns free, Thereafter chargeabl e. Balance certificate Free Free Free Interest Certificate Free Free Free Statement of account Free free Free PNB Current Account Products PNB Smart roamer PNB vaibhav account PNB gaurav account A brief snapshot of various benefits is as follows; Features PNB Smart roamer PNb vaibhav account nt

Pnb gaurav accou

Quarterly average balance required Rs. 25000 Rs.5,00,000/- and above Rs.1,00,000/- and above Initial Deposit Amount required for opening of the account. Rs. 5000 Rs.5,000/Rs.5,000/Non-maintenance charges Rs. 825/- Qty Rs.3000/- Qty. Rs.1200/- Qty. Free (of transaction charges) Transactions allowed Unlimited 200 in a quarter Transaction charged/L.F. charges Chargeable Free Rs.2/- per trans action beyond 200 transaction. Inter sol transfer charges Local non-base branches Chargeable Free Free Inter sol transfer chargesOutstation non-base branches chargeable Free Upto Rs.50,000/- per day no charges, thereafter, 50% discount on normal charges. Features PNB Smart roamer PNb vaibhav account Pnb gaurav accou nt Outstation/local-cheques/ Bills, etc. collection charges freeI cheque/ q tr up to rs 10000 50% discount on normal charges 25% discount on normal c harges Free Statement on request. N,A. Upto 4 in a month Upto 2 in a mont h Statement of Account(e-mail on request) Free on monthly basis Free on monthly basis Free on Quarterly basis Remittance charges/Drafts issuing, etc. Chargeable 50% discount on normal c harges. 20% discount on normal charges. Standing Instructions Regn. Chargeable Free 50% concessions on norma l charges. De-mat A/c Charges (except charges to be paid by Ban to NSDL) 25 % Discount First Year Free First Year Free Rebate on Locker Rent (of any size) 20 % rebate if paid adv. Cfor 5 yr. 50% rebate in locker rent of one locker 25% rebate in locker rent of one locker Internet Banking Services Free Free Debit-cum-ATM Card Free Free Free RTGS Services 25% concession 50% concessions on normal charges. 20% conc essions on normal charges. Personalized Multi-City Cheque Book Free UNLIMITED Free Stop Payment Instruction charges Free Free Free Interest/Balance certificate Free Free Free Cash Withdrawals/Deposits charges at Local Non-Base Branches, free upto: Chargeable Rs.5 lac per day, thereafter 50% discount on normal charges. Rs.1 lac per day, thereafter 25% discount on normal charges. Cash Withdrawals/Deposits charges at outstation Non-Base Branches, free upto Chargeable Rs.1 lac per day, thereafter 50% discount on normal charges Rs.50,000/- per day, thereafter 25% discount on normal charges Charges on payment of outstation Multicity Cheques, Free upto 1 cheque/ Qtr ut to Rs. 10000. Rs.1 lac per day, thereafter 50% discount on normal charges. Rs.50,000/-per day, thereafter 25% discount on normal charges. Sweep Facility Available Available available PRIVATE VS NATIONALIZED BANKS FEATURES NETWORK PRIVATE BANKS NATIONALIZED BANKS

EASEOF OPERATION

SERVICES

AMBIENCE CREDIT SERVICES PROCESSING OF CREDIT FACILITY CBS FACILITIES PRIVILEGE BANKING TO HIGH NET WORTH CUSTOMERS Wide network of branches and over thousand ATms globally. Private Banks are more technology oriented, which makes the work easier and fast er They are very well versed with facilities like Internet banking, Phone Bankin g, mobile Banking, SMS Alert etc. Young staffs in private banks that are enthusiastic & well equipped with latest technology & hence provide quick services.

Ambience at private sector is more dignified. Private banks offer various credit services like credit cards, two wheeler loans etc. Private banks have faster processing of credit services All branches in private banks are CBS enabled Nigh net worth customer receive special treatment, privilege banking services & priority processing Some banks like Almora urban, Nainital bank are concentr ated to a limited parts of India Nationalized Banks are little slow in their approach and not so Hi-tech programm ed, they are traditional in nature. Though they are also updating & adopting use r friendly banking features interbanking. Aged staff in nationalized banks who are rather slow. For instance when you go t o withdraw or deposit cash in nationalized banks, they take lot of time for acce pting or giving cash even with the counting machines. Within that time in a pvt

bank employee would have paid to 3 customers. While ambience at nationalized Crowded & dingy While nationalized banks are quite conservative in such credit facilities. Nationalized banks are little slow in carrying out processing of credit faciliti es. While all the branches in nationalized bank does not provide core banking soluti ons The concept of privilege banking doesnt function in nationalized banks

RESEARCH METHODOLOGY Research methodology is a systematic way, which consists of series of action ste ps, necessary to effectively carry out research and the desired sequencing to th ese steps. The marketing research is a process of involves a no. of inter-relate d activities, which overlap and do rigidly follow a particular sequence. It cons ists of the following steps: Formulating the objective of the study Designing the methods of data collection Selecting the sample plan Collecting the data Processing and analyzing the data Reporting the findings

OBJECTIVE OF THE STUDY To study the market share in banking sector of private ant limited banks. To study the consumer satisfaction with HDFC. To know about the position of HDFC bank in market. To analyze the decision making process and mindset of the consumers. RESEARCH DESIGN A research design is the arrangement of conditions for collection and analysis o f the data in a manner that aims to combine relevance to the research purpose wi th economy in procedure. Research design is broadly classified into three types as I have Exploratory Research Design Descriptive Research Design Causal Research Design chosen the descriptive research design.

DESCRIPTIVE RESEARCH DESIGN: Descriptive research studies are those studies which are concerned with the char acteristics that describe a particular individual. In descriptive as well as in diagnostic studies, the researcher must be able to

define clearly, what he wants to measure and must find adequate methods for meas uring it along with a clear cut definition of population he want to study. Since the aim is to obtain complete and accurate information in the said studies, the procedure to be used must be carefully planned. The research design must make e nough provision for protection against bias and must maximize reliability, with due concern for the economical completion of the research study. SAMPLE DESIGN A Sample Design is a definite plan for obtaining a sample from a given populatio n. It refers to the technique to the procedure adopted in selecting items for th e sampling designs are as below: SAMPLE SIZE Sample method Survey period SAMPLE SIZE: The substantial portions of the target customer that are sampled to achieve reliable result are 50. The cost and time limitation compelled me to select 50 respondents as sample siz e SAMPLING METHOD: In this research project, I am using Random sampling method SAMPLE SIZE 50 Customers SAMPLE TYPE AREA SAMPLING Sample area is Haldwani ( Uttarakhand) SAMPLE SELECTION Simple random selection sampling SAMPLE TECHNIQUE I have taken the Statistical tool of percentage method to analysis and interpret ation of the collected data. RANDOM SAMPLING: A random sample gives every unit of the population a known and non-zero probabil ity of being selected. Since random sampling implies equal probability to every unit in the population, it is necessary that the selection of the sample must be free from human judgment. There is some confusion between the two terms random sampling and unrestricted rando m sampling. In the latter case, each unit in the population has an equal chance of being selected in the sample. Such a sample is drawn with replacement, which me ans that the unit selected at each draw is replaced into the population before a nother draw is made from it, As such, a unit can be included more than once in th e sample. Most statically theory relates to unrestricted random sampling. In orde r to distinguish between these two sample. I.e. sample, without replacement and sample with replacement, the terms sample random sample and unrestricted random sam ple are used. If the latter is devised in such a manner that no unit can be inclu ded more than once, it will then be known as the simple random sampling. It may be noted that while both sample random sampling and unrestricted random s ampling give an equal probability to each unit of the population for being inclu ded in the sample, there are other sample design too which provide equal probabi lity to the units. The process of randomness is the very core of simple and unre stricted random sampling. The selection of a sample must be free from bias, whic h can be ensured only when the process of selection is free from human judgment. DATA COLLECTION The study was conducted by the means of personal interview with respondents and the information given by them were directly recorded on questionnaire. For the purpose of analyzing the data it is necessary to collect the vital infor mation. There are two types of data, this are Primary Data Secondary data

PRIMARY DATA:Primary data can be collected through questionnaire. The questionnaire can be cl assified into four main types. Structured non disguised questionnaire Structured disguised questionnaire. Non structured non disguised questionnaire Non structured disguised questionnaire. For my market study, I have sleeted structured non-disguised questionnaire becau se my questionnaire is well structured, listing of questions are in a prearrange d order and where the object of enquiry is revealed to the respondents. To making a well-structured questionnaire, we have adopted two type of questions Dichotomous questions Multiple choice questions These types of questions are easy to understand and easy to give required answer s. SECONDARY DATA:Secondary data means data that are already available i.e. they refer the data wh ich have already been collected and analyzed by someone else. When the researche r utilizes secondary data, than he has to look into various sources from where h e can obtain them, in this case he is certainly not confronted with the problem s that are usually associated with the collection of original data. Secondary da ta may either be published data or unpublished data. Usually published data are available in: Various publications of the central, state and local government; Various publications of foreign government or of international bodies and their subsidiary organizational; Technical and trade journals; Books, magazines and newspapers; Reports and publications of various associations connected with business san ind ustry, stock exchanges etc.; Reports prepared by research scholars, universities, economists etc; Public records and statistics, historical document and other source of published information. The source of unpublished data are many; they may be found in diaries, letters, unpublished biographies and autobiographies and also may be available with schol ars and research workers, trade associations, labor because and other public pri vate individuals and organization. COLLECTION TECHNIQUE: Questionnaire method is used in collection the data. DATA ANALYSIS Processing & Analysis the collected data: - once the field survey is over and qu estionnaire have been received, the next task is to aggregate the data in a mean ingful manner. A number of tables are prepared to bring out the main characteris tics of the data. The researcher should have a well thought out framework for pr ocessing and analyzing data, and this should be done prior to the collection. It includes the following activities (i) Editing: the first task in data processing is the editing. Editing is the pr ocess of examining errors and omissions in the collected data and making necessa ry corrections in the same. (ii) Coding: coding is the procedure of classifying the answer to a question int o meaningful categories. Coding is necessary to carry out the subsequent operati ons of tabulating and analyzing data. If coding is not done, it will not be poss ible to reduce a large number of heterogeneous responses into meaningful categor ies with the result that the analysis of data would be weak and ineffective, and

without proper focus. (iii)Tabulation: tabulation comprises sorting of the data into different categor ies and counting the number of cases that belong to each category. The simplest way to tabulate is to count the number of responses to one question. This is als o called universal tabulation. The analysis based on just one variable is obviou sly meager. Where two or more variables are involved in tabulation, it is called bivariate or multivariate tabulation. The above pie chart shows the ratio of respondents taken in the survey. The survey had 70% male and 30% female as respondents.

AGE GROUP

The above bar graph shows the age group of the Out of the total percent of females i.e., 30%, s of 20-30 yrs, 33% lies in 30-40 yrs, 20% and and 50yrs-above respectively. The male percent in the above bar graph is 23% 20% in 40-50; and 17% in 50-above age group. MONTHLY INCOME

respondents taken in the survey. 47% females lies in the age group 0% in the age groups of 40-50 yrs in 20-30 age group; 40% in 30-40;

The above multiple bar graph gives the information about the income of the respo ndents in a month. Major portion of the respondents lies in the income slab of Rs.30,000-Rs.50,000 per month. Out of the total 70% percent of males 5.7% are in the income slab of Rs.10,000-R s.30,000 per month; 31.4% in the income slab of Rs.30,000-Rs.50,000 per month; 2 0% and 42.8% in the income slab of Rs.50,000-Rs.70,000 per month and Rs.70,000-a bove per month respectively. The proportion of females in the above graph is 60% & 40% in the income slab of Rs.10,000-Rs.30,000& Rs.30,000-Rs.50,000 per month respectively. While none of t he female respondent belongs to the income slab of 50,000- 70,000 & 70,000 above . OCCUPATION

The above graph gives the information about the occupation of the respondents. From the survey 5.7% of males and 13.3% of females were professionals; 37.14% of males and 46.66% of females were from service class however 57.14% of males and 40% of females turned out to be businesspersons.

The above pie chart shows the ratio of respondents having a bank account. 96% of the respondents from the survey had a saving bank account whereas 4% res pondents did not had any type of bank account; they were mainly having a Post Of fice Account.

The above graph gives the information about the private bank preferred by the re spondents in the survey. From the survey, 42% of respondents preferred to have a Saving Bank Account with HDFC Bank; 36% with ICICI Bank and 22% preferred AXIS Bank.

The above pie chart shows the reason for having a bank account in their preferre d bank. Most of the respondents i.e. 32% preferred bank that offers convenient & hassle free banking. 32% preferred bank that provides better services. 18% considered widened network as an important factor while choosing a bank, while 14% choose b ank that offers wide variety of products. The remaining 4% prioritized bank whic h have less formalities. A good proportion of respondents i.e. 64% rated the services of HDFC Bank above average. While a small proportion i.e. 6% of respondents were highly disappointe d with the services of HDFC bank. 24% of the survey population were neither highly impressed with HDFCs services n or were very annoyed. They rated the services of HDFC Bank as average. 18% of the survey population were highly satisfied with HDFC Banks services.

The above pie diagram shows the organizations with which the respondents are ass ociated for their savings bank account. From above 70% of the respondents prefer having account with public sector banks out of which Bank of Baroda holds 20% of respondents, PNB holds 1$%, SBI is wit h the maximum i.e. 36% of respondents. However there are 30% of respondents who have association with private sector ba nks out of which 12% is for ICICI Bank, 16% for HDFC Bank and 2% is with AXIS Ba nk.