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............................................................................................................................DescriptionThis book is an introduction to banking products and services. It features types of deposit accounts, advances. It also covers retail banking, wealth management and various banking products. The book forms part of the course material provided by Indian Institute of Banking & Finance to the candidates appearing for the paper on "Banking-Products and Services" under their Post Graduate Diploma in Financial Advising (PGDFA) examination. Eminent experts under the guidance of Dr. S.A. Dave, Former Chairman of UTI, have designed the course. The book will be of use to financial advisors who will be addressing needs of widespread investors.............................................................................................................................ContentsChapter 1 - Introduction1.1 Evolution1.2 Features of Banking1.3 Classification of Banks1.4 Emergence of Universal Banks1.5 Central Banking1.6 Role of Reserve Bank of IndiaChapter 2 - Type of Deposit Accounts2.1 Current Accounts2.2 Savings Account2.3 Fixed Deposits2.4 Recurring Deposits or Cumulative Deposits2.5 Some aspects of Deposit Accounts 2.5-1 New Account Opening 2.5-2 Closing of a Bank Account 2.5-3 Insurance of Bank Deposits 2.5-4 Salient Features of Deposit Insurance 2.5-5 Nomination 2.5.6 Legal status of NomineeChapter 3 - Modes of Creating Charge on Secured Advances3.1 Drafts/Traveller's Cheques/Warrants, etc.3.2 Credit3.3 Non-Fund Credit Facility3.4 Hypothecation3.5 Mortgage3.6 Forms of Mortgage3.7 Legal Mortgage vs. Equitable Mortgage3.8 Sub-Mortgage3.9 AssignmentChapter 4 - Retail Banking4.1 Automated Teller Machines4.2 Tele Banking4.3 Internet Banking4.4 Credit Cards4.5 Other types of cards4.6 Home Loans4.7 Auto Loans4.8 Two-Wheeler and Consumer Durable Loans4.9 Personal/Unsecured Loan4.10 Educational LoansChapter 5 - Wealth Management5.1 Investment Products5.2 Insurance5.3 Advisory Role of Retail BankChapter 6 - Banking Products6.1 Marketing of Bank Products6.2 Mapping various Bank Products in the Risk-Return-Liquidity space6.3 How Banking Products differ from Financial Products6.4 'Bank charges' and 'Pricing'6.5 Quoted Interest Rates vs. Effective Rates6.6 Avenues for Grievance Redressal (RBI/Banking Ombudsman)6.7 Foreign Exchange Dealing, Money Market Dealing and Cash Management Services............................................................................................................................Author DetailsIndian Institute of Banking & Finance (formerly The Indian Institute of Bankers) was established in 1928. With more than 750 Institutional members and over 2.5 lakh individual members, it is the largest Institute of its kind in the world and is working with a mission "to develop professionally qualified and competent bankers and finance professionals primarily through a process of education, training, examination consultancy/counselling and continuing professional development programs”. The Institute has almost all the banks and financial institutions, public sector, private sector, foreign, cooperative, regional rural banks as members in addition to IT companies and individuals working in the banking and finance sector. The Institute is managed by a Governing Council consisting of Chairmen of different banks and eminent academicians. It offers a number of professional courses in banking and finance.The flagship programs of the Institute are JAIIB and CAIIB. Other specialised courses are 'Diploma in Treasury, Investment & Risk Management' ,' Diploma in International Banking',' Diploma in Banking Technology' and 'Post Graduate Diploma in Financial Advising'. These programs aim at building skill sets and developing the competence among specialist officers of banks and financial institutions.............................................................................................................................
