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PRESENTATIONPRESENTATION

ON TYPES OFON TYPES OF

DEPOSITDEPOSITPresented ByPresented By

AbhishkekAbhishkek

ManojManoj

PrateekPrateek

RenuRenu

SumitSumit

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INTRODUCTIONINTRODUCTION

Demand and Term DepositDemand and Term Deposit

Two in One AccountsTwo in One Accounts

Recurring DepositRecurring Deposit

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DEMAND DEPOSITDEMAND DEPOSIT

Features o Demand DepositsFeatures o Demand Deposits Repayab!e on demandRepayab!e on demand

"ithdrawab!e by che#ue"ithdrawab!e by che#ue $ow cost deposit or banks$ow cost deposit or banks

$ow interest rate on sa%ings accounts$ow interest rate on sa%ings accounts

&o interest paid on current accounts&o interest paid on current accounts

'igh transaction costs'igh transaction costs

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TERM DEPOSITTERM DEPOSIT

Term deposits repayab!e ater a speci(cTerm deposits repayab!e ater a speci(ctime period ranging rom ) days to *+ yearstime period ranging rom ) days to *+ years

$onger the period, higher the interest$onger the period, higher the interest

-nterest paid #uarter!y.month!y or on-nterest paid #uarter!y.month!y or onmaturitymaturity

TDS app!icab!eTDS app!icab!e Premature encashment on customerPremature encashment on customer

re#uestre#uest $oans aci!ity against (/ed deposits$oans aci!ity against (/ed depositsAuto renewa! aci!ity a%ai!ab!eAuto renewa! aci!ity a%ai!ab!e

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INTEREST RATES FORINTEREST RATES FOR

DEPOSIT BELOW Rs. ONEDEPOSIT BELOW Rs. ONE

CRORE (SBI)CRORE (SBI)

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INTEREST RATES FORINTEREST RATES FOR

DEPOSIT BELOW Rs. ONEDEPOSIT BELOW Rs. ONE

CRORE (HDFC)CRORE (HDFC)

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DEPOSIT BELOW Rs. ONEDEPOSIT BELOW Rs. ONE

CRORE (HDFC)CRORE (HDFC)(SENIOR CITIZEN)(SENIOR CITIZEN)

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TWO IN ONE ACCOUNTTWO IN ONE ACCOUNT

Fixed Deposit linked to SavingsFixed Deposit linked to Savings

0a!ue Added Sa%ings Account or FD0a!ue Added Sa%ings Account or FD

!inked Sa%ings Account!inked Sa%ings Account

Features1Features1Auto Sweep aci!ity 2 Ma/imum returnsAuto Sweep aci!ity 2 Ma/imum returns

Re%erse Sweep aci!ity 2 Ma/imumRe%erse Sweep aci!ity 2 Ma/imum

!i#uidity!i#uidity

Auto Renewa! aci!ityAuto Renewa! aci!ity

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RECURRING DEPOSITRECURRING DEPOSIT

Scheme or sa%ing (/ed amount e%ery monthScheme or sa%ing (/ed amount e%ery monthor a (/ed periodor a (/ed period 3g4 Rs45++.6 e%ery month or *7 months3g4 Rs45++.6 e%ery month or *7 months

-nterest as app!icab!e to (/ed deposits-nterest as app!icab!e to (/ed deposits Pena!ty or de!ay in payment o insta!mentPena!ty or de!ay in payment o insta!ment Principa! 8 -nterest repayab!e on maturityPrincipa! 8 -nterest repayab!e on maturity &o ta/ deducted at source&o ta/ deducted at source

Pro%ides hedge against downward mo%ementPro%ides hedge against downward mo%ementin interest ratesin interest rates Bui!ds corpus to meet speci(c utureBui!ds corpus to meet speci(c uture

re#uirementsre#uirements

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THANK YOUTHANK YOU