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THE JOURNEY BEGINS HERE!

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Module-A: Retail Banking

4 Chapters
Module-B: RETAIL PRODUCTS & RECOVERY
12Chapters
Module-C: SUPPORT SERVICES
6 Chapters
Module-D: WEALTH MANAGEMENT
8 Chapters
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Module-A Module-B Module-C Module-D Home Loans
[10 Marks] [25-35 Marks] [20-25 Marks] [20-25 Marks] [10-15 Marks]
Importance of Wealth Lender's Appraisal Procedure
Retail Banking: Introduction Customer Requirements Marketing Introduction
Management Theory
Product Development Delivery Channels in Retail Housing Finance and Tax
Branch Profitability Investment Management
Process Banking Planning Theory
Application of Retail
Credit Scoring Delivery Models Tax Planning Mortgage Advice Numerical
Banking
Important Retail Liability Customer Relationship Other Financial Services Valuation of Real Property
Products Management Provided by Banks Theory Numerical
Important Retail Asset Service Standards for Retail
Products Banking
Credit and Debit Cards Marketing Information
Remittance Products Systems
Digitalization of Retail
Banking Products
Role of AI and Technology in
Retail Banking
Recovery of Retail Loans
Management Information
Systems/ Securitization

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Retail Banking also known as consumer
banking or personal banking, is banking
that provides financial services to individual
consumers rather than businesses.

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Features OF RETAIL BANKING
Retail Banking provides banking services to multiple customer groups with
multiple products through multiple channels of distribution. Retail Banking Has the
following characteristics:
1. Banking facilities are targeted at individual customers or small organisations.

2. Meets the need of a large number of customers with well diversified portfolios.
3. It is focussed towards the mass market segment covering a large population of
individuals and non-individual entities.

4. It offers different liability, asset and a many of service products to the various
customer categories.

5. The delivery model of retail banking is both physical and virtual, i.e., services are
extended through branches and also through technology driven electronic off-site
delivery channels like ATMs, Internet Banking, Mobile Banking, Phone Banking, etc.
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ADVANTAGES OF RETAIL BANKING

Client base will be large and therefore risk is spread across

the customer base.

Customer loyalty will be strong with a good scope for cross

selling and customers tend not to change from one bank to
another very often.

Attractive and wide interest spreads since customers are too

fragmented to bargain effectively

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CONSTRAINTS IN RETAIL BANKING

Problems in managing large numbers of clients

The costs of maintaining branch networks and handling large numbers

of low-value transactions tend to be relatively high. (For this reason,
banks are encouraging clients to use cheaper distribution channels, such
as ATMs, the mobile or the internet for these transactions and reserve
the branches for higher value added transactions).
Any loss in faith in a particular bank can lead to sudden outflow of retail
deposits resulting in collapse of the bank. This is called a bank run.

The competition is very fierce which may sometimes lead to unhealthy

competition.
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EVOLUTION OF RETAIL BANKING

Standard Chartered Bank and Grindlays Bank were the

pioneers in introducing these types of products.

Citibank created waves in the early 1980s with their credit card
products and ​provoke the retail banking space.

State Bank of India and some public sector banks like Indian
Overseas Bank, Bank of India, Bank of Baroda and Andhra
Bank developed and marketed asset products and card products
to cater to retail segment.
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Education Loan For Indian Education Eligibility Criteria

Indian resident, between 16 and 35 years of age

Co-applicant is mandatory for all full-time programs – co-applicant

could be parent/guardian, or spouse/parent-in-law

Student should have secured admission to a higher education course

in recognized institutions in India or Abroad through Entrance Test/
Merit Based Selection process
Approved courses leading to graduate/ post graduate degree and P
G diplomas conducted by recognized colleges/ universities
recognized by UGC/ Government/ AICTE/ AIBMS/ ICMR etc.
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Education Loan For Indian Education Eligibility Criteria

Eligibility

The condition of minimum qualifying marks in the last examination

may be dropped as per RBI guidelines.

Any other criteria banks may decide based on employability and

reputation of the institution concerned.

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Education Loan For Indian Education Eligibility Criteria

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Maximum Loan Amount:
Studies in India - Maximum Rs. 10.00 lacs
Studies Abroad - Maximum Rs. 20.00 lacs
Margin:
Up to Rs.4 lacs: Nil
Above Rs.4 lacs: Studies in India: 5%
Studies Abroad: 15%
Scholarship/assistantship to be included in margin. Margin may be brought in on year-to-
year basis as and when disbursements are made, on a pro-rata basis

Post September 4, 2020, if the aggregate sanctioned limit of multiple

education loans either from a bank or across banks to a single borrower
exceeds ₹20 lakh limit,
All loans of the borrower sanctioned after September 4, 2020 shall
become ineligible for PSL classification.
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Security
1:-Up to 4 Lakh No security; Parents to be joint borrower(s).

2:-Above 4 Lakh up to ₹7.5 Lakh - besides the parent(s) as

co-borrower, collateral security in the form of suitable third
party guarantee will be taken. (However, third party guarantee
will be waived if the loan is eligible for Credit Guarantee
coverage.)

3:-Above 7.5 Lakh - Parent(s) to be joint borrower(s) &

Tangible collateral security acceptable to the bank along with the
assignment of future income of the student for payment of
instalments.

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Mr. A a student pass out BBA and now want to go for higher studies in MBA. Mr. A applied
for an education loan of Rs. 9 Lakhs. Following information provided by Mr. A:
Tuition Fees: Rs. 2,50,000/- Ans:-Maximum 20% of total fee can be sanctioned

Hostel fees: 2,50,000/-

Caution deposit: Rs. 1,10,000/-

Computer cost for education purpose: Rs. 45000/-

Uniform, books, equipment cost: Rs. 90,000/-

Study tour, project work expenses: Rs. 25000/-

Q. How much maximum amount can be sanctioned to purchase computer, books,

equipment, uniform, other expenses like study tour, project work thesis etc?
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Complete Preparation Platform for

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