DBS Bank Ltd. Loans

DBS Bank Ltd Corporate Loans under the head of Accounts Receivable Purchase or factoring include working capital financing, import and export factoring, credit protection, domestic factoring, management facilities for export and domestic receivable and import credit

DBS Bank Ltd. Loans are also available under the bank's enterprise banking schemes.

It may be noted that through enterprise banking DBS Bank Ltd., wishes to serve the financing needs of small and medium scale business enterprises. The bank offers a host of personalized banking solutions for these emerging business initiatives

DBS Bank Ltd. Loans in India are available for corporate financing. The major DBS corporate loans are enlisted below.

• Short term loans
• Long term loans
• Trade financing
• Working capital financing
• Credit protection
• Project financing

Dena Bank Loans

Dena Bank Home Loan under the Dena Niwas scheme can be taken for the following purposes.

• Plot purchase
• Purchase of a house under construction
• House construction
• Purchase of a completed house

Home loans under Dena Niwas scheme are also available for carrying out construction activities meant for building an extension of an existent house.

Dena Bank loans are available for house up-gradation and repair activities also

Dena Bank Loans are attractive financing options from Dena Bank, one of India's leading nationalized banks. Loan Schemes from Dena Bank are Dena Niwas, Dena Mortgage, Dena Vidya Laxmi and Dena Auto Finance

Dena Bank Education Loans are available for the financing of the educational needs of students for pursuing higher studies in India or abroad.

Dena Vidya Laxmi is a premier Educational Loan Scheme from the bank. The eligibility criterion for securing Dena Vidya Laxmi Educational Loan is described in brief below.

a. Applicants need to be Indian nationals. The applicant also need to have secured an admission to any technical or professional program in a foreign or Indian universit

Federal Bank Home Loan

Federal Bank has designed its home loan options to provide loan to its customers who aim to buy a new house or flat, who wish to renovate an already constructed house or flat, who want to purchase a land along with a house and also those who wish to purchase a land to construct a house

Federal Bank Home Loan has been designed to provide housing loans to both residents and non-residents subject to fulfillment of certain criteria. 85% of the total project cost is offered as a housing loan by the bank. For residents the duration for repayment is 20 years whereas for the non-residents the duration is 15 years. The already existing borrowers are also entitled to a range of home plus loans

An authenticated proof of income should be produced while applying for the loan. Federal Bank offers loan up to 85% of the project cost which includes the expenses included in stamp duty, registration and the like. Other areas such as compound wall, landscaping, water tank, etc. are also included in the project cost. A maximum of Rs. 3 crores are offered as housing loan by the bank. The maximum duration allotted for the repayment of the loan is twenty years for the residents and fifteen years for the non-residents. The housing property should be kept as a security against the home loan by the borrower. The interest rate charged on the home loan varies according to the market conditions

ICICI Home Loans

New products / New features in existing products are introduced from time to time based on customer feedback. ICICI Bank offers easy home loans for purchase or construction of flat or house.

The benefits associated with ICICI Home Loans which give them an edge over other players in the market are:

• Attractive and customer friendly loan interest rates
• Loans as low as INR 0.2 million is available
• Term loans up to 20 years is available
• Loans come with a Free Personal Accident Insurance Policy
• Premium charged in case of insurance options for Home Loans is also attractive.

The other types of loans include Land Loans, Office Premises Loans, Home Improvement Loan and Home Loan for NRI. One can also leverage his/her existing property to get a Loan against Property, Property Overdraft or Lease Rental Discounting. All of these are available at a fixed rate or an adjustable rate of interest.

• Fixed Rate Home Loan
• Adjustable Rate Home Loan or Floating Rate Home Loan
• Partly Fixed and Partly Floating Rate Home Loan
• Smartfix Home Loan
• Moneysaver Home Loan

Syndicate Bank Home Loan

The bank also offers housing loan for purchasing a house which is less than or equal to 25 years old. The NRIs can avail housing loan in order to buy a house as an asset. The borrowers can also avail housing loans for renovation or reconstruction purposes. The housing loan also comprises of expenses required for purchase of various luxury furniture such as air conditioners, geysers, cots, fridges, tables, etc.

Syndicate Bank Home Loan provides home loans to an individual for purchasing a new house or a flat, renovating an already existing flat or house or even furnishing the house. It provides home loan to employed persons, self-employed persons and business persons. SyndNivas offers the individual's loans equivalent to the gross salary for 72 months including that of his or her spouse as the loan to the self-employed persons

·  The home loan offered by SyndNivas to self-employed persons amount to a maximum of his or her gross salary for 72 months including that of his or her spouse.

·  Others get 6 times of the average annual income for the past 3 years depending on Income Tax Assessment Order or IT returns.

·  The house or flat or land to be purchased will be kept as a mortgage security as per the advise of the legal advisor or law officer of the bank.

·  The repayment duration for loan acquired for renovation purposes is 5-7 years.

HDFC Personal Loans

HDFC Personal Loans can be availed by the following groups of professionals:

• Salaried Individuals
• Self Employed Individuals
• Self Employed Individuals in private companies and partnership firms in manufacturing,trading or services

Each of the above groups of professionals encounter a specific set of criteria for sanction of loan. They are also required to present a specific set of document.

HDFC Bank,India, announced the arrival of the new generation, technology driven commercial banks in India. HDFC Bank in India was set up in August 1994 with the approval of Reserve Bank of India. The bank was promoted by Housing Development Finance Corporation Limited, a premier housing finance company of India (set up in 1977).

HDFC Personal Loans provide the following benefits:

• Loans up to Rupees one million for any purpose.
• Flexible Repayment Options ranging from 12 to 48 months.
• Repayment through Easy Monthly Installments (EMIs).
• Low Rate of Interest
• Hassle free loans - No guarantor/security/collateral required
• Speedy loan approval
• Service at the customer's doorstep

Indian Bank Loans

The loan is open to persons working in professional fields, salaried class, and self-employed. The maximum amount available is INR 50,000. Interest rate is 12.5% per year. Margin of the bank is 20%.

·  Home Loan: Indian Bank home loans can be used for the purchase of a flat or house. Construction costs are also covered. Loan amount given is approximately 60 times the net monthly income or 36 times the gross monthly income. Costs of repairing of house may also be considered for a loan

Indian Bank loans are competitive financial packages designed with the customer's needs in mind. The bank grants loans for education, home, and business. Indian Bank personal loans are also available. All loans given are in accordance with Reserve Bank of India (RBI) guidelines

Educational Loan: Indian Bank educational loans are applicable to students within 30 years of age. Cost of education, like college fees and travel expenses, are allowed. Diploma, Graduation and Post-Graduation courses are covered under this facility. Maximum loan given is INR 10,00,000 for studies in India and INR 20,00,000 for studies abroad. Insurance premium is given for the student borrower

Vijaya Bank Loans

vijaya Bank Home Loans are available for the purpose of construction or acquisition of houses or flats. These loans are also available for the renovation or repair of existent houses and flats. Customers can also buy plots with the help of Vijaya bank housing loans and access it to a whole lot of other related uses.

The lower ceiling of Vijaya Bank Home Loans is Rs. 1.00 lakh. The set upper limit of the loan for repair and renovation work is Rs. 10 Lakhs. Housing loans, which are lower than Rs. 1 lakhs are available under schemes like Golden Hublee Scheme and Swarna Jayanti scheme

Vijaya Bank Loan schemes are also available for purchasing consumer durables as well as for meeting the short term credit needs of customers. Customized schemes for women entrepreneurs,transport operators, defense personnels, teachers, NRIs to name a few are also on the offering from the bank.

It may be noted that, there exists a host of terms and conditions attached with all types of Vijaya Bank Loans

Vijaya Bank Education Loans are available for students, who are Indian nationals. For accessing this loan the applicant needs to secure an admission to an Indian or an Overseas university. The selection process ought to be a merit based one. Loan is provided for some specified technical or professional study courses only

UCO Bank Loans

UCO Shelter is a UCO Bank Home Loan. The loan offers reasonable interest rates, which are calculated on the basis of reducing balance. This loan is meant for Indian citizens. The loan can be accessed for buying new flats or houses. Properties thus bought ought to be used for residential purposes only. Subject to some conditions, UCO bank housing loan is also available for buying housing plots for construction of houses.

Apart from repair, renovation and extension of existent structures, the bank also provides finance for purchasing old accommodation. However these structures need not be more than 30 years old and ought to be constructed as per regulations. These buildings also need to be free of tenants

Loan applicants need to have secured admission to certified technical or professional or higher or basic educational courses in India or overseas via merit based selection procedure.

The loan sanctioned depends upon the repayment capacity of the applicant. The upper loan ceiling for study in India is Rs. 7.50 Lac. The comparable figure for study abroad is Rs. 15 Lac

UCO Bank Education Loans are available for bright students who wish to pursue studies in certain specific courses in both India and abroad. Under this scheme parents also become co-borrowers along with the dependent student applicant

State Bank of Hyderabad Loans

SBH Commercial and Institutional Loans The different State Bank of Hyderabad commercial and institutional loans include:

•  
• Take Over Of Advances - Other Than Trade & Services
• Merchant Banking
• OverDraft / CashCredit To Contractors
• Take Over Of Advances - Trade & Services
• Vehcile Loans To Corporates
• OverDraft / CashCredit To Contractors
• School Plus
• Rent Plus Scheme

State Bank of Hyderabad Loans are available to all bank customers. Loans are given for a variety of functions and at competitive interest rates. State Bank of Hyderabad loans can be applied for by both institutional customers as well as individuals. State Bank of Hyderabad agricultural loans are also available

Bank of India Loans

The target Customers of this type of Bank of India Loans are the Regular Pensioners or Family Pensioners drawing regular monthly pension through the branch and the eligibility is retired employees (other than dismissed/compulsorily retired)

To meet the expenses (like airfare/Train/Bus charges, expenses for accommodation, sight seeing, etc.) for going for pilgrimage/tours/excursions etc. undertaken/to be undertaken by Self/spouse/children/ parents/family members/close relatives of proponent within India or abroad

This scheme provides loan/overdraft facility against mortgage of property at low rate of interest. The scheme is for people engaged in trade, commerce & business and also professionals & self employed, Prop. Firm, partnership firm, companies, NRIs and individuals with high net worth including salaried people, agriculturists and staff members. The product provides an opportunity to customers to borrow against a fixed asset (mortgage of property) at a short notice without much paper work/attendant hassles.

Bank Of India Home Loans

• Provides loans to purchase a Plot for construction of a House, to purchase/construct house/flat, as well as for renovation/repair/alteration/addition to house/flat, furnishing of house, Takeover of customer's housing loan extended by other Banks/F.Is /NBFCs at highly flexible and liberal terms and conditions.
• Under the Bank Of India Home Loans services the maximum loan amount is Rs.300 lacs and repayment ranges up to 20 years, with a very reasonable margin and nominal processing charges. No commitment /administrative charges.
• The Home Loans are provided at very Competitive Rates Of Interest, currently available in the industry.
• In the Bank Of India Home Loans system there are options for different EMI amounts for different periods during tenure of loan to suit the customers' repayment capacities.

·  Interest is calculated on daily balance basis which is of great advantage to customer as it results in lower interest amount.

·  Home Loans are given to NRIs as well as Persons of Indian Origin.

·  Simplified application form/procedures for convenience of customers, and speedy approvals.

·  Free Personal Accident Insurance Cover

•   Life Insurance Cover to borrowers for Loan Protection(optional).

Axis Bank Loans

• Business Loan for Property: Maximum loan amount is Rs. 5 crores. Repayment tenure is up to 10 years. Interest rates are in tandem with broader external market conditions. Quick processing acts as a boon for the cash hungry customer.
  Power Trade: Designed to meet the financial commitments of the trader. Loans may be taken to meet obligations like Export Credit and Letter of Credit. Maximum loan amount is Rs. 2.5 crore payable up to 3 years for Term Loans.
  Enterprise Power: This loan is configured to meet the requirements of Micro and Small Enterprises. Maximum loan amount is Rs. 1.00 crore.
  Mpower-Term Loan: Loans are granted up to a maximum of Rs. 5 crores. Repayment options are flexible and carry a maximum tenure of 10 years..
• Axis Bank Loans are given to both individual and corporate borrowers. The bank offers to its clients a complete list of loan related products that carry competitive interest rates. All financial products are made and executed according to rules formulated by the Reserve Bank of India (RBI)

Andhra Bank Loans

Andhra Bank has a package of loans to offer to its valued customers. Andhra Bank loans are disbursed through its wide branch banking network. All Andhra Bank loans are given after following strict procedures as dictated by the RBI. All Andhra Bank loans are characterized by competitive interest rates

Andhra Bank retail loans are given to individuals. The loan amount granted depends upon the nature of the scheme as well as the financial health of the borrower. Andhra Bank Student loans are given after keeping certain assets as collateral. The list of Andhra Bank retail loans are:

• Andhra Bank Nightingale for nurses
• Andhra Bank Doctor Plus for medical practitioner
• Andhra Bank Dr. Pattabhi Vidya Jyothi for educational funds
• Andhra Bank Vanitha Vahan exclusively for women who wish to purchase a vehicle.
• Andhra Bank Personal Loan to meet any credit requirements of any person.
• Andhra Bank Vehicle loans for purchasing 2 wheeler and 4 wheeler vehicles
• Andhra Bank Clean loans to meet cash requirements.

Andhra Bank Mortgage loans for loan against property

Allahabad Bank Education Loans

The educational loans are offered by the Allahabad Bank to the Indian students only. The students should seek admission to educational courses through entrance test selection process. The bank offers loans for various courses like graduation and post graduation courses, professional courses, computer certificate courses, courses conducted by IIM, IIT etc. Allahabad Bank offers loans for studies abroad as well.

For the students studying in India, the maximum loan amount offered is Rs.10 lacs and for studying abroad the maximum loan amount increases to Rs. 20 lacs

Allahabad Bank Home Loans

Allahabad Bank offer home loans for the construction of the residential house on the already owned land. It also offers loans for other purposes like purchase of plot by salaried people, purchase of flat or house, renovation of residential house and other purposes.

Home loans are offered to permanent salaried people, businessmen, self employed persons and individuals with regular income who can liquidate loans. Allahabad Bank offers term loans to the loan seekers.

For the salaried persons the loan amount is restricted to 60 times of the monthly gross salary. For other individuals, the loan amount is limited to 4 times of the gross income

Allahabad Bank Personal Loans

Personal loans are offered to all the pensioners drawing pensions from Allahabad Bank. The personal loans are given to the pensioners who have not exceeded 70 years of age. This kind of loan can be availed without assigning any definite purpose. The maximum loan amount of Rs.75,000 and minimum of Rs.15,000 are offered to the individuals.

Personal loans are also provided to the doctors and medical practitioners by the Allahabad Bank. The loans are offered for the expenses of professional requirement. Annual income or Rs. 5 lacs, whichever is less are offered as the loan amount.

Allahabad Bank Loans are offered to the Non Resident Indians as well. NRIs are offered housing loans and education loans by this bank

Allahabad Bank Car Laons

Home loans are offered to permanent salaried people, businessmen, self employed persons and individuals with regular income who can liquidate loans. Allahabad Bank offers term loans to the loan seekers.

For the salaried persons the loan amount is restricted to 60 times of the monthly gross salary. For other individuals, the loan amount is limited to 4 times of the gross income

Allahabad Bank offer home loans for the construction of the residential house on the already owned land. It also offers loans for other purposes like purchase of plot by salaried people, purchase of flat or house, renovation of residential house and other purposes

Allahabad Bank Loans

Allahabad Bank offers loans of various types to meet the requirements of the individuals. It offers loans to self employed persons, business men, salaried employees and professionals. The diverse range of Allahabad Bank loans that are offered to the individuals includes:

• Housing Loan
• Education Loan
• Car Loan
• Saral Loan
• Personal Loans for Pensioners
• Personal Loans for Doctors
• Loan against NSC/KVP
• Allbank Rent Loan
• Allbank Property Scheme
• Founded on 24th April, 1865, Allahabad Bank is the oldest Joint Stock Bank of the Country. The bank was founded by a group of Europeans in Allahabad. The bank has its head office at Kolkata, with numerous branches spread all over the country

HDFC Home Loans

1. HDFC Bank,India, announced the arrival of the new generation, technology driven commercial banks in India. HDFC Bank in India was set up in August 1994 with the approval of Reserve Bank of India. The bank was promoted by Housing Development Finance Corporation Limited, a premier housing finance company of India (set up in 1977)
2. Home Loans offered by HDFC Bank encompasses a wide range of loan options which are subject to various parameters like term of loan, financial status of the individual seeking loan and the purpose of loan. Owing to these diversifications, HDFC Home Loans have grown in popularity over the years

Corporate finance

The discipline can be divided into long-term and short-term decisions and techniques. decisions are long-term choices about which projects receive investment, whether to finance that investment with or and when or whether to pay to On the other hand, short term decisions deal with the short-term balance of and the focus here is on managing cash, , and short-term borrowing and lending (such as the terms on credit extended to customers).

Corporate finance is the field of dealing with financial decisions that make and the tools and analysis used to make these decisions. The primary goal of corporate finance is to while managing the firm's financial Although it is in principle different from which studies the financial decisions of all firms, rather than corporations alone, the main concepts in the study of corporate finance are applicable to the financial problems of all kinds of firms.

The terms corporate finance and corporate financier are also associated with. The typical role of an is to evaluate the company's financial needs and raise the appropriate type of capital that best fits those needs. Thus, the terms “corporate finance” and “corporate financier” may be associated with transactions in which capital is raised in order to create, develop, grow or acquire businesses.

Bank of Ceylon India

The Bank of Ceylon India is also known as Ceylon Bank. It is referred to in its abbreviated name “BOC” as well. It is a well-known government owned and controlled commercial bank. The headquarters of the bank is located in the city of Colombo while it has around 303 domestic and 3 overseas branches. There is also an off shore banking unit which looks after the online transactions and other formalities.

The Bank of Ceylon has its office and branch in India in Chennai. The bank was set up and started its operations in Sri Lanka in the year 1939. Since its inception, the bank has been providing customized solutions and services in a number of financial fields and segments to become a trusted name in the banking industry. The Bank of Ceylon also established the Merchant Bank of Sri Lanka in the year 1982 for better reach and reception among the target market. The BOC Property Development Ltd was also established during the same time.

Bharat Overseas Bank

Endorsed by around 7 banks, Bharat Overseas Bank is the single bank that signifies India in Thailand and is providing banking services to the Indian origin entrepreneurs for the last 25 years. The bank has been successful in marking a name for itself even since its incorporation in the field of client oriented banks. With a countrywide subdivision set-up, the bank has launched a range of ground-breaking plans with a focus on competence assisted by mechanization and expertise. Over the years, the bank has instituted the perfect balance by providing both consumer and technology oriented facilities.

Bharat Overseas Bank is a rapidly expanding Indian private sector financial institution with its headquarters in Chennai. Initiated to acquire Bangkok subdivision of Indian Overseas Bank in 1973, Bharat Overseas Bank Limited became the only private bank authorized by the Reserve Bank of India to start a division outside the nation

The bank aims at being the most client friendly bank and targets at practicing the notion of association baking with long term and mutual customer liaisons. It aims at offering a comprehensive range of IT centric banking solutions. Through incessant endeavors, the bank strive to create a market for themselves as a refined expertise-centric fiscal service institution serving to the varied requirements of traders, corporates and personal bankers, and steadily progress towards a fiscal supermarket.

The bank aspires towards continued expansion and higher productivity besides attaining vigorous basics, net controlled capitals and fund sufficiency needs with the assistance of skilled and committed personnel

American Express Bank Ltd

American Express Bank India, established in 1921, has created a brand name for themselves in the field of world-class travel and financial services. The role of American Express Bank Ltd. comprises of issuing a wide range of cards and travelers cheques to suit the needs of the elite clients.

They happen to be the largest company with a widespread network of traveling points across India. American Express Travels has signed a Memorandum of Understanding (MoU) with the postal department, enabling few specified speed post offices to distribute and encash American Express Travellers Cheques

All these factors imbibed together have made the American Express Bank story a success. The desire to become the world�s most respected service brand seems to be working fine

State Bank of Hyderabad

It was in the year 1953 that the Bank overtook the assets and liabilities of the Hyderabad Mercantile Bank Ltd. and started conducting Government and Treasury business as RBI's agent. Then right in 1956, the Bank was taken over by RBI as its first subsidiary and the name got rechristened from Hyderabad State Bank to State Bank of Hyderabad. More transition waited for the bank as the bank became a subsidiary of the State Bank of  

India one 1st October 1959 and presently it is the largest Associate Bank of State Bank of India

State Bank of Hyderabad had been constituted as Hyderabad State Bank on 8th August 1941 under Hyderabad State Bank Act, 1941. It served as the central bank of the erstwhile State of Hyderabad, covering present-day Telangana region of Andhra Pradesh, Hyderabad-Karnataka of Karnataka and Marathwada of Maharashtra. Their functions include managing the currency - Osmania Sikka and public debt, leaving aside the usual functions of commercial banking. Gunfoundry in Hyderabad saw the first branch of the bank on 5th April, 1942

TECHNOLOGICAL ADVISORY SERVICES

Apt Source strongly believes in the wide use of technology for several reasons like improved efficiency, better accuracy, lower transaction costs, minimizing the incidences of frauds and misappropriations etc. The use of technology and its advantages have been successfully demonstrated in the case of quite a few reputed MFIs. A strong MIS is the hallmark of an efficient governance and credibility of an organization.

We offer the following:

• Detailed study of the operations and the need
• Study of the scope and feasibility
• Developing software customized to the needs of the client
• Development of an MIS Manual
• Training of the personnel
• Field Testing of the software
• Generating Reports
• Troubleshooting

financial audit and taxition

Apt Source examines and attests the financial performance and operations of businesses and also conducts statutory audits, internal control audits,business and performance reviews and other compliance reviews as well. Apt Source offers a range of solutions, advice and guidance for fulfilling tax compliances under the various Tax Acts as per the laws of the land

Senior Chartered accountants, qualified and experienced professionals guide you through the process of maintaining accounts, book keeping and all other aspects of accounting and also equip you to comply with statutory requirements. Professional consultancy services are offered for mergers, acquisitions,Joint-ventures, spin-offs, strategic alliances and financial syndications.

With the use of computer aided technology, formats are designed for the generation of the financial data that facilitate MIS reports to aid decision making. Services are also provided to help in the preparation and submission of Financial statements, Profit & Loss Account and Balance Sheet.

TRANSFORMATION ADVISORY

The transformation MFI-NGOs into regulated financial institutions (a section 25 company or NBFC) is a model that has been evolving for past two-three decades but has taken a great pace in last few years. It has become appealing to an increasing number of MFIs due to its anticipated benefits, such as an ability to mobilize public deposits, access to private sources of capital, improvement in governance and transparency, with an ultimate goal to reach significant scale and financial sustainability

Apt Source has devised its program, Transformation Advisory service in such a manner that it engages with its clients on enduring basis covering a period over a year. This enables the better understanding of the client's present status, perspective, organizational issues and internal dynamics which in turn enables to give better and effective solutions for their transformation.

We offer the best services in

• Transformation of NGOs into MFIs, Non Banking Finance companies in line with the Reserve Bank's policies and directions.
• Creation of suitable organizational layers to build up consolidation of funds and governance aspects with focus on the sustainability of each layer.
• Specialized Services -understanding transaction dynamics, Statutory and Audit Compliances, Financial, Audit and tax related matters., human resources and Risk management
• Strategic and commercial solutions including Preparation of Business plan, projecting financial statements and Budgeting.
• Guidance in raising capital through Various financial options including capital structuring, inbound investments.

Bank Muscat

Established in 1982 as Oman Overseas Trust Bank, BankMuscat has seen some major mergers and acquisitions to come into the current status and size. It merged with Al Bank Al Ahli Al Omani in 1993. In 1999, it again merged with Commercial Bank of Oman. Then a third merger came again in 2001 when Bank Muscat merged with Industrial Bank of Oman. Finally, Bank Muscat merged for the fourth time with the National Bank of Oman in September 2004.

Not only that, BankMuscat also has a strategic stake in a Bahrain based commercial bank, BankMuscat International (BME) Bank. It also has a 43% stake in Mangal Keshav Group - a well known and the oldest securities houses in Indian equities market. In 2008, BankMuscat also acquired 35% stake in Saudi Pak Commercial Bank

Bank Muscat or BankMuscat (BKMD) is Oman's largest bank with a total asset base of more than US $13 billion. It is also the first Oman company to get enlisted in the London Stock Exchange in October 2005. Bank Muscat is also listed on the Muscat Security Market. Currently, it has an extensive network of more than 115 branches. It also has a branch in Riyadh (Saudi Arabia). There is a Representative Office in DubaiUnited Arab Emirates) as well.

IndusInd Bank Ltd

In 2003-04, IndusInd Bank Ltd celebrated its 10th year by touching Rs. 19,000 crores business volume. In the same year, Ashok Leyland Finance also merged with IndusInd. The bank also achieved ISO 9001:2000 Quality Management System certification for its 'Entire Network of Branches'. It's the first Indian Commercial Bank to achieve the distinction.

The following years saw further growth of IndusInd Bank Ltd at a great pace. In 2008-09, the total business of IndusInd Bank Ltd crossed Rs. 37,800 crores. Its net worth became Rs. 1429 crores, while the earning per share augmented to Rs. 4.28 from Rs. 2.35.

IndusInd Bank Ltd is the new generation Indian bank based at Mumbai - the financial capital of the nation. Founded in 1994, IndusInd Bank Ltd provides a range of products and services to its customers, which include transactional, commercial and electronic banking products and services. It is also one of the foremost new generation private banks in India

Federal Bank India

Previously known as Travancore Federal Bank Limited, the Federal Bank Limited in its entire span of customer services has seen both ups and downs. The bank started with an auction-chitty business along with other banking transactions related to agriculture and industry. In the year 1945, the paid-up capital of the bank touched Rs.71000 and a new Board of Directors was constituted. During this period, the bank also incorporated new Articles of Association. The same year its branch was opened at Aluva.

Subsequently, Federal Bank came with its branches in Angamally (1946) and Perumbavoor (1947). However, it came with a massive expansion plan in the years 1975 and 1976 by opening 53 and 42 branches respectively

Federal Bank is a private sector bank in India. The head office of this prestigious bank is located at Aluva, Kerala. By 2008, the Federal Bank India had successfully introduced 671 branches and 681 ATMs across the nation. In the month of March of 2008 alone, the bank had opened 26 branches across 11 Indian States.

Dena Bank

Dena Bank was established in the year 1938 on the 26th of May. It was set up by the family of renowned Devkaran Nanjee. The initial name of the bank was Devkaran Nanjee Banking Company Ltd. In the month of December in 1939, the bank became a Public Company and changed its name to Dena Bank Ltd. It was in the year 1969, that Dena Bank was made a national bank and the term Ltd was dropped from the name.

Dena Bank is one of the well known banks in the country and has a very good market share. Today, the bank has around 240 branches and around 150 ATMs across the country. The bank has already provided around 1.8 lakh debit cards to the account holders

Dena Bank is one of the earliest national banks in India. Since its inception, the bank has become a renowned name in the field of banking and financial solutions. It is trusted all over the country by thousands of consumers. By being a customer of Dena Bank, one can easily enjoy financial stability and also get good returns on the services and the financial solutions.

State Bank of Mysore

State Bank of Mysore has an extensive network of 682 branches and 20 extension counters including 5 specialized SSI Branches, 10 Agricultural Development Branches, 4 specialized Personal Banking Branches, 4 Industrial Finance Branches, 3 Corporate Accounts Branches, 8 Service Branches, 3 Treasury Branches and 1 Asset Recovery Branch

State Bank of Mysore (SBM) is an associate bank of State Bank of India, offering a range of financial products and services to its customers across the nation. Founded in 1913 under the patronage of Government of Mysore as Bank of Mysore Ltd, State Bank of Mysore became an associate of SBI in March 1960 with SBI holding 92.33% of shares. The State Bank of Mysore has its shares listed in various stock exchanges like Mumbai, Chennai and Bangalore

Karnataka Bank

Karnataka Bank Limited was assigned the status of a Scheduled Commercial Bank in 1924. Having matured for more than 85 years in the banking industry of India, the bank has won the confidence of its customers, which in turn has helped it develop a network of 458 branches in 20 states and 2 Union Territories of India.
Today, the bank has an employee strength of more than 4,900. It has 3.7 million customers across India and 71,822 shareholders

The head office of Karnataka Bank Limited is located in the town of Mangalore in Karnataka, India. This is a premier private sector bank with a tailor-made range of products and services to cater to diverse types of markets, trades and personal and corporate needs of the customers. To ensure an easy and smooth banking experience for customers, it offers excellent deposits and borrowing facilities. It extends useful help in the area of overseas transactions as well as provides maximum returns on surplus funds.

State Bank of India

The State Bank of India, popularly known as SBI, is one of the leading banks in India. The bank traces its origin to the first decade of the 19th century. Later on, it was merged with the Imperial Bank. In the year 1955, the Government of India nationalized the Imperial Bank along with the Reserve Bank of India. Ever since that time, the bank acquired its present name that is SBI.

The State Bank of India is India's largest commercial bank. The bank has been striving sincerely to adhere to the efforts of providing utmost customer satisfaction to the best possible extent

Reserve Bank of India

"...to regulate the issue of Bank Notes and keeping of reserves with a view to securing monetary stability in India

The Preamble of the RBI speaks about the basic functions of the bank. It deals with the issuing the bank notes and keeping reserves in order to secure monetary stability in the country. It also aims at operating and boosting up the currency and credit infrastructure of India and generally to operate the currency and credit system of the country to its advantage."

eserve Bank of India is also known as India's Central Bank. It was established on 1st April 1935. Although the bank was initially owned privately, it has been taken up the Government of India ever since, it was nationalized. The bank has been vested with immense responsibility of reviewing and reconstructing the economic stability of the country by formulating economic policies and ensuring a proper exchange of currency. In this regard, the Reserve Bank of India is also known as the banker of banks.

Development Credit Bank

DCB has strong foundation in India since its inauguration in the year 1930. Aga Khan Fund for Economic Development (AKFED), endorser of DCB possesses over 23% rights in the company. AKFED is a global development group focuses to encouraging private enterprise and creating financially strong firms in the expanding markets. The group has co-sponsored HDFC in Indian banking market and now functions as a set-up of associates entailing 90 different project firms. Providing job prospects to more than 30,000 individuals, the firm has registered yearly incomes of USD1.4 billion. The group is active in more than 15 nations in the expanding economy.

Development Credit Bank Ltd is one of India�s most preferred private sector banks. With over 80 well-equipped sub-divisions spread across twelve states of India, Development Credit Bank has been a major contributor in introducing many value added measures in Indian banking sector. The bank offers an exhaustive range of hi-tech products for clients in small and medium enterprise, trade and business banking market section in selected regions

Karur Vysya Bank Limited

The Bank, in its initial days, bore a regional flavor in its transactions but slowly made a mark and expanded. At present, it has around 285 branches spanning 13 States and 2 Union Territories. The Bank has been prudential and has followed all the statutory regulations to make a mark in its area of operations. They have been maintaining a strong Capital Adequacy Ratio of more than 15% as against the compulsory rule of 9% set by the RBI. T his is sure to take care of the asset growth of the bank

Karur Vysya Bank Limited, universally known as KVB has made a mark in commercial banking arena right from 1916 when it was set up by two great visionaries and famous sons of Karur, Late M A Venkatarama Chettiar and Late Athi Krishna Chettiar. The main aim for setting up this bank was to instill the habit of savings and also for providing financial support to traders and small agriculturists in and around Karur (the textile town in Tamil Nadu). The journey for the bank started off with a meager capital of Rs.1 lakh. But over the years, KVB has met all the market dynamics and challenges and created a strong base for itself.