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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
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