Sources of Funds for a Bank

Owned Sources Shar e Capit al Borrowed Funds

Liabilitie Borrowin s& g& Reser Provision Refinanc ve Reserve s e Deposi Funds Statutory ts Funds Deman Capital Term d Reserve Dividend Equalization Reserve Other

Various Deposit Products offered by Bank 1. Fixed Deposit A/c 2. Savings Deposit A/c 3. Recurring Deposit A/c 4. Current Deposit A/c

Various Deposit Products offered by Bank Fixed Deposit A/c (Term Deposits):
Deposit repayable after the expiry of a specified period. The depositor agrees not to withdraw the amount deposited for a particular period of time The period of deposit varies from 15 days to 5 years. The rate of interest is a direct function of the period of deposit.

Various Deposit Products offered by Bank Savings Deposit A/c (Term Deposits):
Platform for those who want to deposit their small savings in Bank. Safeguard the future & helps earn interest on savings. A/c can be opened with or without cheque book facility. The interest rate is lower than that on the Fixed deposits. The no. of withdrawals permitted is 50

Various Deposit Products offered by Bank Savings Deposit A/c (Term Deposits):
To open the a/c , it is necessary for the depositor to be introduced by a person having current or savings A/c with the same bank. The A/c can be closed after one year. If it is closed earlier, the customer has to pay a small amount as service charge to the bank.

Various Deposit Products offered by Bank Recurring Deposit A/c :

The purpose is to encourage people save regularly and get a higher rate of interest from bank on such savings. The depositor has to deposit a fixed amount of money every month for a specific period of time. The period of deposit varies from one year to ten years. The depositor can even have more than

Various Deposit Products offered by Bank Recurring Deposit A/c :

Depending upon the no. of transactions, banks usually charge a small amount known as incidental charges. Bank provides Statement of A/c every month. Every depositor has to pay the installment within 30 days from the due date. If he fails to do so, interest is charged by the bank on the unpaid

Various Deposit Products offered by Bank Current Deposit A/c (Demand Deposit) :
Generally opened by the businessman wherein he can withdraw at any time by cheques. Accessed for two reasons: 1. Overdraft facility 2. Other facilities such as collection of cheques, transfer of money, agency and general utility

Various Deposit Products offered by Bank Current Deposit A/c (Demand Deposit) :
Depending upon the no. of transactions banks charge a small amount known as incidental charge . To keep the A/c running the A/c holder has to keep a minimum balance. In case of a failure a minimum charge is debited to the A/c. Bank provides a Statement of Account to the A/c holder every