yes bank ppt

1. A PRESENTATION ON RETAIL BANKING WITH
REFRENCE TO
PRESENTED BY-
SHEETAL MISAR - 07
PREETI MISHRA - 08
(2022-2023)
Under The Guidence Of :
Miss. Raji mam

2. INTRODUCTION
• Yes bank, incorporated in 2004 by Rana Kapoor and late Ashok Kapur .
• Yes bank limited is India’s fifth largest private sector bank.
• Yes Bank provides you an all-inclusive banking experience through an extensive network of
more than 1000 Branches Pan India | 1800 ATMs across all 29 States and 7 Union Territories of
India.
• Headquarters in Lower Parel innovation District (LPID) of Mumbai.
• Yes bank obtained its certificate of commencent of business on january 21 , 2004.

3. STEPS TO OPEN A YES BANK SAVINGS
ACCOUNT
•Visit the Yes Bank homepage.
•Click on "open an account" on the homepage.
•Select "Savings account".
•Choose the savings account you wish to open.
•Once that is done, fill in the required details of the application form and click on "submit".
•Next, you can generate your own account number. This number will be used for all banking
procedures in the future.
•Once the application has been submitted, one is required to keep his/her KYC documents ready.
•Within a few hours, a bank representative will contact you to collect your KYC documents for
verification.

4. Particulars Rate of Interest
Up to Rs.1 lakh 4.00% p.a.
More than Rs.1 lakh to Rs.10 lakh 4.25% p.a.
More than Rs.10 lakh to Rs.1 crore 4.75% p.a.
More than Rs.1 crore to Rs.25 crore 5.00%
Interest Rates on Yes Bank Savings Bank Deposits

5. BENEFITS OF YES BANK SAVINGS ACCOUNT
•Enjoy free NEFT / RTGS payment facility via net banking
•Get a debit card with exciting offers
•Enjoy unlimited access to ATMs of any bank throughout the country
•Higher return of up to 5% p.a. on saving account
•Avail quarterly payout of savings interest
•Avail free demand draft (DD) issuance through both net banking and branches
•Pay utility bills at ease using your YES BANK savings account
•Enjoy Life Insurance, Purchase Protection Insurance and Card Lost Liability
•Select an account number of your choice
•With the advancement in technology, you can apply, maintain and track your saving account very easily
•Get access to mobile and SMS banking
•YES BANK also provides doorstep banking services

6. SERVICES AVAILABLE VIA YES BANK NET BANKING
•Check account balance, view account statement, and track account activities
on a real-time basis.
•View the status of the cheques issued.
•Transfer funds to accounts held with YES BANK or any other bank – NEFT,
RTGS, and IMPS.
•Set standing instructions to transfer a specified amount at specified intervals.
•Open recurring deposit, fixed deposit, and Goal-Based Savings accounts
online.
•Pay utility bills online.
•Make or cancel SIP requests, purchase new mutual fund units, and redeem
existing units online.
•Check the investments, current portfolio value, NAVs, and more with MF
Online.

7. YES BANK CREDIT CARD ELIGIBILITY CRITERIA
Category Value
Minimum Age 21 Years
Maximum Age 60 Years
Minimum Income (Salaried)* Rs. 25,000 p.m.
Minimum Income (Self-employed)* Rs. 41,666 p.m.
YES Bank Debit Card Eligibility Criteria
All individuals who are residents of India
and have a YES Bank Account are eligible
to apply for YES Bank debit cards.

8. YES BANK CREDIT CARD FEES AND
CHARGES
Type of Fees Amount Applicable
Late Payment Charges
For amount less than Rs.100 – NIL For amount
between Rs.100 – Rs.500 – Rs.100
For amount between Rs.501 – Rs.5,000 – Rs.400
For amount between Rs.5,001 – Rs.20,000 – Rs.500
For amount above Rs.20,000 – Rs.700
Re-issue of a stolen or misplaced Card Rs.100
Duplicate Statement prior to 6 months Rs.100 per Statement
NEFT/ RTGS Charges
Branch – 150 Per Transaction
Internet – 100 Per Transaction
SMS CHARGES
Zero monthly charges. Only transaction charges
applicable.

9. TYPES OF CREDIT CARD IN YES BANK
•YES First preferred credit card
•YES prosperity edge credit card
•YES prosperity rewards plus credit card
•YES First business credit card
•YES First prosperity business card.

11. PROCEDURE FOR LOST/STOLEN OF CREDIT
CARD
• Login to the YES BANK Net Banking
• using your Login ID & password
• Click on “Credit Card” tab.
• Select “Block Lost/Stolen Card”
• Block using the YES BANK Mobile Banking
• In case of non availability of net banking you can follow this steps
• YES BANK Phone Banking on 18001031212 (Toll Free for Mobile &
Landlines in India) / +91 22 49350000 (When Calling from Outside India).

12. CRITERIA FOR HOME LOAN
Particular Details
Age Must be between 21-70 years
Interest Rate 9.35 % (Dec 2022) updated
Tenure Up to 35 Years
Processing Fees 2% of the loan amount or INR 10000 Plus Gst
Minimum Income For Salaried: Rs 20,000 per month
For Self-Employed: Rs 4 lakh p.a.
Loan Amount As per Bank’s Norms
Work experience required for salaried employees: 2 years

13. YES BANK OFFERS A VARIETY OF HOME LOAN
•Home Purchase Loan: Loan for the purchase of a new home or resale property
•Self-construction Loan: Loan for Purchase of plot and construction thereon or
self-construction on an already owned plot
•Home Improvement Loan: Loan for renovation and repair of your existing home
•Home Loan Top-up: Loan to help secure additional funding at attractive rates
along with existing Home Loan on the same property
•Home Loan Transfer: Loan to help balance transfer of home Loan from other
banks and Housing Finance Companies along with Top up.

14. WHAT IS THE DOWN PAYMENT FOR HOME LOAN
• Lenders usually require you to pay at least
20% of the property’s purchase price as
down payment.
• Several lenders accept less than 20% as a
down payment as long as you pre- qualify for
the loan

15. • The remaining amount that you need to pay to purchase
the house is called margin money.
• Also called down payment.
• We need to pay this margin money upfront while
availing a home loan.
• lenders require you to pay at least 20% of the property
value as margin money.
MARGIN IN HOME LOAN

16. WHAT IS CREDIT SCORE
• A credit score is an indicator of a person’s creditworthiness, or their ability to repay debt.
• It is usually expressed as a number based on the person’s repayment history and credit files across
different loan types and credit institutions.
• Credit score is also known as a credit rating.
CREDIT SCORE CALCULATION
• credit score is calculated by an algorithm than takes into account
several factors.
• Each factor gets a different weightage in the calculation.
The factors under consideration include the following:
• The repayment history across debt categories (such as loans and
credit cards).
• The total credit balance.
• Balance between secured and unsecured loans .
• Number of loans and credit cards you have .
• Credit utilization.

17. DIFFERENT TYPES OF NRI
ACCOUNTS
• Non-Resident Ordinary (NRO) Savings Account/ Fixed
Deposit Account.
• Non-Resident External (NRE) Savings Account/ Fixed Deposit
Account.
• Foreign Currency Non -Resident (FCNR) Fixed Deposit
Account.

18. OFFERS, PRODUCTS AND
SERVICES
• INVESTMENT BANKING SOLUTIONS
• YES FIRST CORPORATE CREDIT CARD
• YES PROSPERITY PURCHASE CREDIT CARD
• TREASURY AND RISK MANAGEMENT SOLUTIONS
• LOANS
• TRANSACTIONS BANKING SOLUTIONS
• DIGITAL BANKING
• SURPLUS AND INVESTMENTS
• DEBT CAPITAL MARKETS

20. WORKING TOWARDS WOMEN EMPOWERMENT
• On the occasion of International Women’s Day, YES Bank announced the launch of YES
Essence, a holistic banking proposition for women across customer segments – homemakers,
salaried professionals, entrepreneurs and senior citizens..
• The holistic proposition offers a bouquet of solutions including complementary healthcare
benefits, earn on an auto sweep to FD*, preferential pricing on loans, fee waiver on Demat and
trading account*, wealth management, offers on upskilling through partnerships, attractive
lifestyle and shopping offers, among many more.
• Yes bank conducts workshops on ‘Women in banking ‘ to promote financial literacy among
women

21. CONCLUSION
• In this project we have studied the retail banking operations of YES Bank .This project study is
very fruitful and helped us understand the importance of retail banking. Also we learnt about the
customers opinion towards operation of bank and its various product & service. The Indian
banking has finally worked up to the competitive dynamics of the multifarious challenges of
globalization.
• Yes bank has a great opportunity to increase their market potential in the present market
situation.
• Yes bank gives great customer satisfaction
• Senior staff provide advice regarding investment.
• Excellent behaviour by the employee providing satisfaction to consumer.
• Help to maximize the returns on investment.
• Regular training programmes for employees.
• Highly proactive and dynamic entity.