49627165 consumer behaviour towards e banking final report
TRANSCRIPT
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AREPORT
ONCONSUMER BEHAVIOURTOWARDS E BANKING
HDFC & ICICI
Submitted By: Submitted To:
Vivek Rana (00!"# D$% R%P% Pae'Ha$)i' Pae' (00*!#B)+,i Pae' (00*-#Ak)a$ A,in (00./#
G%H%Pae' P%G% Ini+e 1 B+ine Mana2e,en
Sa$3a$ Pae' Unive$i4
Va''a5) Vi34ana2a$
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PREFACE
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CONTENT
CHAPT
ER
PARTICULARS PAGE
NO.
I PREFECE 1
1
1.1
1.2
1.3
1.4
1.5
1.6
INTRODUCTION
WHAT IS E-BANKING
USAGE OF E-BANKING
E-BANKING SYSTEM
TYPES OF E-BANKING
ADVANTAGE & DISADVANTAGE OF E-BANKING
HOW E-BANKING CAN EASE YOUR IFE
3
3
6
7
9
10
11
2
2.1
2.2
INTRODUCTION TO HDFC & ICICI
HDFC COMPANY PROFIE
ICICI BANK PROFIE
13
13
17
3 NEED, OBJECTIVE, SCOPE & METHODOLOGY 20
4 DATA ANALYSIS & INTERPRETATION 24
BIBLIOGRAPHY 62
QUESTIONAIRE 63
CHAPTER 1: INTRODUCTION
3
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INTRODUCTION OF E-BANKING
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NEED FOR E-BANKING
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!" ,' %+,)"% !+) $ 0" +'" $)+($,7 #!"%" !" 0+, '$") ,$ !+" +
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1. DIAGRAM OF E-BANKING SYSTEM
E-BANKING PRODUCTS
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1.4 TYPES OF INTERNET BANKING OR E-BANKING
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T!"'7"%$'"(- !() "" $ I,"%," 0+,(, +$#) *)$"%) $ ">"*"
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FEATURES OF E-BANKING
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1.8 ADVANTAGE & DISADVANTAGE OF E - BANKING
ADVANTAGES OF E-BANKING:-
C'60'$0'0- U,(" /$% *$%,"% 0+,7 $,(," 0+,(, )(") ,""% *$)": !"/%"
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E55$$0'-Y$ *+, +**")) +,' +,+" + $ /$% 0+, +**$,)7 (,*'(, IRA)7
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+, ">$,",(+ +*" $"% !" +) "# /"+%). C%%",/ +%$,' "% *", $ !"
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,""' () + *$"% #(! + $'" $% $!"% '(+- '"(*"7 + *!"*(, +**$, #(! +
0+, !+ $"%) $,(," )"%(*" +,' !" +(",*" $ *$"" +0$ + $,"-+"
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1. B$(( ;"/0'% 70!6$0= E+*! 0+, !+) ("-) #(! +%($) ((/ *$+,(")7
)"%(*" %$('"%) +,' (,)%+,*" *$+,(")7 +*%$)) !" *$,%/. I +*((+") !"
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*$""'. S+,'(, (,)%*($,) *+, 0" )"7 $,(," $ +/ %"*%%(, 0()7
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%+'(($,+ "!$'7 ( +") +0$ !%"" #$%(, '+/). ICICI B+, )+/) !+ $,(,"
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SE? HDB#6 ne a,n2 )e 1i$ 1 )e ne9 2ene$ain6 e8)@avv4 8,,e$8ia' 5ank
1 In3ia6 9a in8$7$ae3 in A+2+ -.6 a1e$ )e Ree$ve Bank 1 In3ia a''9e3 ein2 +7 1 Bank in
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)e 7$ivae e8$% T)e Bank 9a 7$,e3 54 )e H+in2 Deve'7,en Finan8e C$7$ain i,ie36 a
7$e,ie$ )+in2 1inan8e 8,7an4 (e +7 in -# 1 In3ia%
HISTORY
T)e H+in2 Deve'7,en Finan8e C$7$ain i,ie3 (HDFC# 9a a,n2 )e 1i$ $e8eive an in
7$in8i7'e a77$va' 1$, )e Ree$ve Bank 1 In3ia (RBI# e +7 a 5ank in )e 7$ivae e8$6 a 7a$ 1
)e RBI 'i5e$a'iain 1 )e In3ian Bankin2 In3+$4 in -.% T)e 5ank 9a in8$7$ae3 in A+2+
-. in )e na,e 1 HDFC Bank i,ie36 9i) i $e2ie$e3 11i8e in M+,5ai6 In3ia% HDFC Bank
8,,en8e3 7e$ain a a S8)e3+'e3 C,,e$8ia' Bank in an+a$4 -*%
BRANCH NET$OR%
C+$$en'4 HDFC Bank )a -.-/ 5$an8)e6 !" ATM6 in **0 8iie in In3ia6 an3 a''5$an8)e 1 )e 5ank
a$e 'inke3 n an n'ine $ea'@i,e 5ai% T)e 5ank 11e$ ,an4 innvaive 7$3+8 & e$vi8e
in3ivi3+a'6 8$7$ae6 $+6 2ve$n,en6 7a$ne$)i76 1inan8ia' ini+in6 ,++a' 1+n36 in+$an8e
8,7anie% I i a 7a) 5$eake$ in )e In3ian 5ankin2 e8$% In "00 HDFC Bank a8
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T$an1e$ 1$, ne HDFC Bank a88+n )e$ HDFC Bank a88+n )'3e$ (+n3e$ 3iin8 8+,e$
ID#
T$an1e$ 1$, HDFC Bank a88+n an4 )e$ Bank a88+n (a' kn9n a RTGS & NEFT#
Via Mne4 T$an1e$
T)i$3 Pa$4 De,an3 D$a1 )$+2) Ne Bankin2
*. T,i+d P!+ty T+!"&-e+
T)i$3@Pa$4 T$an1e$ i a Ne Bankin2 1ea+$e 1$ 9)i8) 4+ 9i'' nee3 4+$ +ni+$ M5i'e i n9 4+$ 5ank N9 a88e 4+$ 5ank a88+n an3 8n3+8 a
) 1 5ankin2 $ana8in )$+2) 4+$ ,5i'e6 9i) +$ +ni
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Uin2 +$ M5i'e Bankin2 e$vi8e6 4+ 8an avai' 1 a ) 1 1ea+$e a 4+$ 1in2e$ i7
Pe$1$, 1+n3 $an1e$
Ge 4+$ 5a'an8e 3eai'
O5ain 4+$ 'a $ana8in 3eai'
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7)ne an4i,e 1$, an49)e$e an3 7a4 3i$e8'4 1$, 4+$ Bank a88+n% Avi3 )a'e 1 9i)3$a9in2
8a) $ ea$8)in2 1$ a $eai'e$ 1$ 5+4in2 )e $e8)a$2e 8a$3%
>+ 8an avai' 1 )i e$vi8e in 9 8nvenien 9a4?
P$e7ai3 M5i'e Re1i'' n Ine$ne
P$e7ai3 M5i'e Re1i'' n ATM
PHONE BAN%IN(: >+$ 7)ne i n9 4+$ 5ank% W)en 4+ 3ia' in P)ne Bankin26 a vi8e 7$,7
9i'' 2+i3e 4+ )$+2) )e va$i+ $ana8in% >+ ,a4 a' a'k a P)ne Banke$6 9) 9i'' 7$vi3e
4+ 9i) )e $e+ 8an a' 2e )e 3eai' 1 )e 'a * $ana8in n 4+$ a88+n6 $ )ave a ,ini
ae,en 1 'a $ana8in 1a;e3 a8$ 4+%
b. E"5ui+e o" t,e *,e5ue &t!tu& >+ 8an +e P)ne Bankin2 8)e8k n )e a+ 1 8)e
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#.Re5ue&t ! Dem!"d D+!-t 6 M!"!)e+$k
S8k E;8)an2e (N>SE#%
ICICI BAN% SER'ICES MOBILE BAN%IN(: Cn3+8in2 5ankin2 7e$ain +in2 )e ,5i'e
7)ne )a 5een 1a 8a8)in2 +7 a$+n3 )e 9$'3 1$ i 8nvenien8e% We )ave 'a+n8)e3 ,5i'e e$vi8e
in In3ia 8nvenien8e +$ 8+,e$% >+ 8an 3 4+$ 5ankin2 7e$ain iin2 an49)e$e6 an4i,e% I
i 3i8$ee6 7e$na'ie3 an3 n 4+$ 7)ne% Ue i 9)en a a ,eein26 in a ,vie )a''6 9)i'e )avin2 4+$
S+n3a4 5$+n8) $ a an4 )e$ 7'a8e 4+ 8ann ++a''4 e;7e8 2e )e in1$,ain 4+ 9an 1$, 4+$
5ank% I i an e,79e$in2 an3 +e$@1$ien3'4 ,3e 1 a88ein2 4+$ 5ank a88+n% T 2e a$e36 ake a
'k a )e ,en+ n )e 'e1 an3 2 )$+2) +$ va$i+ e$vi8e%
INTERNET BAN%IN(
ICICI Bank 5$in2 8nvenien8e an3 e8+$i4 4+$ 3ek7% N9 4+ 8an 8)e8k 4+$ a88+n 5a'an8e6$an1e$ 1+n36 39n'a3 4+$ a88+n ae,en6 an3 7a4 5i'' $ even 5k i8ke n'ine6 1$, )e
8,1$ 1 4+$ ),e $ in )e ,i33'e 1 a 5+4 3a4 a )e 11i8e% E;7'$e )e 79e$ 1 i,7'e$ an3
,a$e$ Bankin2 9)e)e$ 4+ a$e a Bankin26 C$e3i Ca$36 an $ De,a 8+,e$%
ATM BAN%IN(
Bank ".: )$+2) a 9i3e7$ea3 ne9$k 1 ICICI Bank ATM ,akin2 'i1e ea4 an3 8nvenien 1$ 4+%
Ue$@1$ien3'4 2$a7)i8 8$een an3 ea4 1''9 in$+8in avai'a5'e in a 8)i8e 1 '8a' 'an2+a2e6
,ake ATM Bankin2 9i) ICICI Bank a ,)e$ e;7e$ien8e% ICICI Bank 9i3e7$ea3 ne9$k 1
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ATM ,ake i ea4 an3 8nvenien 1$ 4+ 5ank ".:% Wi) ve$ .6!! ATM an3 -6/"/ 5$an8)e
e +7 9i)in In3ia6 9e en+$e )a 4+ a$e neve$ 1a$ 1$, an ICICI Bank ATM% Ue$ 1$ien3'4 2$a7)i8
8$een an3 ea4 1''9 in$+8in in a 8)i8e 1 '8a' 'an2+a2e6
,ake ATM Bankin2 9i) ICICI Bank a ,) e;7e$ien8e% ICICIBank%8, a' 1ea+$e )e ea4
a88e ATM 8a$6 ,akin2 i ea4 1$ 4+ 1in3 an ICICI Bank ATM in 4+$ nei2)5+$)3%
T,e ICICI B!"# ed)e
Ca) 9i)3$a9a' +7 R% "*6000:@ 7e$ 3a4 1$, 4+$ a88+n (*06000 1$ HNI#% Fa Ca) 7in
1a8i'iae 9i)3$a9a' 1 7$e1i;e3 a,+nL U'$a Fa Ca) a''9 9i)3$a9a' 1 R% 000:@ in ne )
C)e8k 4+$ 'e32e$ 5a'an8e an3 avai'a5'e 5a'an8e
P$in + 4+$ Mini Sae,en 9)i8) 3i7'a4 4+$ 'a ! $ana8in an3 )e 8+$$en 5a'an8e
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Pa4,en 1 in+$an8e 7$e,i+,
P'a8e,en 1 e$vi8e $e
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H-? Eae 1 +e 3e in1'+en8e )e +e 1 E Bankin2 e$vi8e%
DIRECT ACCESS
H? Di$e8 A88e 3e n in1'+en8e )e +e 1 E Bankin2 e$vi8e%
H-? Di$e8 A88e 3e in1'+en8e )e +e 1 E Bankin2 e$vi8e%
FRIENDS6RELATI'ES
H? F$ien3:Re'aive 3 n in1'+en8e )e +e 1 E Bankin2 e$vi8e%
H-? F$ien3:Re'aive 3 in1'+en8e )e +e 1 E Bankin2 e$vi8e%
SCOPE OF THE STDY
A$ea i $e$i8e3 n'4 VADODARA & ANAND 5e8a+e 3+e )e i,e 8n$ain an3 n a5'e
vii a'' )e 5$an8)e in )e$ 8iie $ ae%
A'' )e 8'ae 1 )e 8+,e$ 9e$e aken in 8ni3e$ain%
T)i +34 9a 8ve$e3 E@Bankin2 e$vi8e e8$%
T)i i a $ea'ii8 +$8e 3i$e8'4 8''e8e3 1$, )e 8+,e$ 1 Bank%
RESEARCH METHODOLO(Y
Re&e!+*, i 3e1ine3 a )+,an a8ivi4 5ae3 n ine''e8+a' a77'i8ain in )e invei2ain 1 ,ae$% T)e
7$i,a$4 7+$7e 1$ a77'ie3 $eea$8) i 3i8ve$in26 ine$7$ein26 an3 )e 3eve'7,en 1 ,e)3 an3
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7a$i8+'a$ +5=e8%
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a 9$ien 2a,e 7'an 1$ 8n3+8in2 Reea$8)% Reea$8) ,e)3'24 )a ,an4 3i,enin% I in8'+3e
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5e a77'i8a5'e 8e$ain 7$5'e, an3 )e$ 9i'' n% T)e$e1$e in $3e$ 've a $eea$8) 7$5'e,6 i i
ne8ea$4 3ei2n a $eea$8) ,e)3'24 1$ )e 7$5'e, a )e ,e ,a4 3i11e$ 1$, 7$5'e,
7$5'e,% T)e ,e)3'24 a37e3 1$ +34in2 )e 5=e8ive 9a +$ve4in2 )e in@)+e 8+,e$ 1
)ee 9 5ank in )e 8i4 1 VADODARA & ANAND%
NATRE
T)e ,e)3'24 a37e3 a8)ieve )e 7$=e8 5=e8ive inv've3 3e8$i7ive $eea$8) ,e)3% T)e
in1$,ain $e
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SECONDARY DATA:
A$i8'e n E@Bankin2 aken 1$, =+$na'6 ,a2aine 7+5'i)e3 1$, i,e i,e%
T)$+2) ine$ne%
PRIMARY DATA:
J+einnai$e 9a +e3 8''e8 7$i,a$4 3aa 1$, $e7n3en% T)e
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CHAPTER 0: DATA ANALYSIS INTERPETATION
I'%0!;!0%"%$': T!" %") )!$#) !+ +$%(/ $ %")$,'",) (.". 6 +%"+") #!$ +%" )(, !" E-0+,(, )"%(*") +,' 24 +%" !" "+" #!$ +%"
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)(, E-0+,(, )"%(*"). F"+" +%" ,$ )(, !() )"%(*" 0"*+)" !"/ !+"")) ,$#"'" +0$ !" (,"%," +,' !"/ %) +*" $ +*" (,"%+*($, $%".S$ ( )!$#) !+ E-0+,(, () $%" +$) +$, +".
I'%0!;!0%"%$':T!" %") )!$#) !+ +$%(/ $ %")$,'",) (.". 2 +),'"% !"*+"$%/ $ 21-3; /"+%) +,' 23 +) ,'"% 0"$# 2;/"+%) ( )!$#) !+ E-0+,(, ()+(,/ +$) +$, /$,)"%) +) !"/ +%" !" +$% )"%) $ E-0+,(, +,'"+)*$") ,'"% +0$" 5;/"+%).
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I'%0!;!0%"%$': T!" %") )!$#) !+ +$%(/ $ %")$,'",) !+ +%" )(,E0+,(, +%" B)(,"))+, (.". 32 !"/ +%" )(, E-0+,(, )"%(*") 0"*+)" (%")) (, (" )+(,. A,' 2 %")$,'",) +%" #$%(, (, %(+" )"*$% +,'24 %")$,'",) +%" #$%(, (, $"%,", $%+,(J+($,) +,' 1 +%" $!"%)#!(*! (,*'" )'",) +,' !$)"#(") !"/ +%" )(, E-0+,(, 0"*+)" ()+") (" +,' )'",) !"/ !+" *$"" ,$#"'" $ (,"%,".
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I'%0!;!0%"%$':T!" %") $ !() )'/ )!$#) !+ 32 $ !" %")$,'",) #!$+%" )(, E-0+,(, + ,'"% !" (,*$" *+"$%/ $ 1;7;;;-257;;; +,' 3;+) ,'"% !" (,*$" *+"$%/ $ 257;;; $ 5;7;;; +,' 23 +) ,'"% !"
(,*$" *+"$%/ $ $%" !+, 5;7;;; +,' 15 +) ,'"% !" (,*$"*+"$%/ $ 0"$# 1;7;;;.
=1 I" 4,i*, b!"# do you ,!>e you+ !**ou"t/
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I'%0!;!0%"%$': A**$%'(, $ !() )'/ +$%(/ $ %")$,'",) (.". 5 !+"!"(% +**$,) (, 0$! !" 0+,) HDFC +,' ICICI 0+, +,' 16 %")$,'",)!+" !"(% +**$, (, ICICI B+, +,' 26 !+" !"(% +**$, (, HDFC 0+, )$ ("+,) + +%" ,$. $ %")$,'",) !+" ">"%(",*" $ 0$! !" 0+,).
=2 $,ie o7e"i") u7 t,e !**ou"t@ 4e+e you !4!+e o- Eb!"#i") &e+>i*e& 7+o>ided
by you+ b!"#/
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I'%0!;!0%"%$': A**$%'(, $ !() )%"/ +$%(/ $ %")$,'",) (.".3 #"%"+#+%" +0$ E-0+,(, )"%(*") %$('"' 0/ !"(% 0+, +,' 2 $ %")$,'",)#"%" ,$ +#+%" +0$ !" E-0+,(, )"%(*") %$('"' 0/ !"(% 0+, + !" ("$ $",(, $ !"(% +**$, 0"*+)" $ +* $ +#+%",")) +,' )$" +%" )(,0+,(, )"%(*") %$ +) )$ +,/ /"+%) + !+ (" 0+, #+) ,$ $"%(, E-0+,(, )"%(*" )$ !"/ #"%" ,$ +#+%" + !+ (" 0 ,$# !"/ +%" +#+%".
=? I- !"&4e+ to 5ue&tio" "o.2 i& YES@ 4,i*, o- t,e -oo4i") Eb!"#i") &e+>i*e& i& you
!4!+e o-/
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I'%0!;!0%"%$': A**$%'(, $ !() )'/ +$) ""%/ *)$"% () )(, $%"$," E0+,(,)"%(*" +,' D"0( C+%' () )"' 0/ +$) 5 $ %")$,'",) +,' $0("0+,(, () )"' 0 $ %")$,'",) +,' 61 %")$,'",) +%" )(, !$,"0+,(, +,' $,/ 1 +%" )(, $," (," 0+,(, !() )!$#) !" %",' !+ !$#
*)$"%) +%" )(, E-0+,(, +,' +$, + !" E-0+,(, %$'*) '"0(*+%') +%" $)/ )"' 0/ %")$,'",) 0"*+)" !"/ +%" "+)/ $ )" +,' '$ ,$%"
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= i- !"&4e+ to 5ue&tio" "o.0 i& ye&@ ,o4 -+e5ue"ty do you u&e e!*, o- t,e
-oo4i") &e+>i*e&/
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I'%0!;!0%"%$': T!" %")) )!$#) +$%(/ $ !" %")$,'",) )" (,"%,"0+,(,7 +). 55 %")$,'",) +%" (" $ )" (,"%," 0+,(, 0"*+)" +**$%'(,$ !" () "+)/ $ )" +,' "+)(/ +**"))(0". T!"/ *+, )" !() +,/ ("+,/#!"%". S$ () $$' $% !" $ )" !() +*((/ $ E- 0+,(, !"/ +%")+()("' #(! !() +*((/ $ E 0+,(,.
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I'%0!;!0%"%$': T!" %")) )!$#) +$%(/ $ !" %")$,'",) )" $0("0+,(,7 +). 45 %")$,'",) +%" (" $ )" $0(" 0+,(, 0"*+)" +**$%'(, $!" () "+)/ $ )" +,' "+)(/ +**"))(0". T!"/ *+, )" !() +,/ ("+,/#!"%". S$ () $$' $% !" $ )" !() +*((/ $ E- 0+,(, !"/ +%")+()("' #(! !() +*((/ $ E0+,(,. T!"/ +)$ !+" !" )+" %"+)$,) 0"*+)"() )+") !"(% (" "%($' 0 !" )+" $ $0(" 0+,(, () ")) +) *$+%" $(,"%," 0+,(,. B"*+)" (, !" (" $ "*!,$$/ !" $) %")$,'",) +%"(" $ )" !" +*((/ $ (,"%," (,)"+' $ )(, +,/ $!"%.
I'%0!;!0%"%$': T!" %")) )!$#) +$%(/ $ !" %")$,'",) )" !$,"0+,(,7 +). 44 %")$,'",) +%" (" $ )" !$," 0+,(, 0"*+)" +**$%'(, $!" () "+)/ $ )" +,' "+)(/ +**"))(0". T!"/ *+, )" !() +,/ ("+,/#!"%". S$ () $$' $% !" $ )" !() +*((/ $ E- 0+,(, !"/ +%")+()("' #(! !() +*((/ $ E-0+,(,. A) !$," 0+,(, () +)$ )"' 0/ "))"$" +) *$+%" $ $!"% %")$,'",) #!$ +%" )(, (,"%," 0+,(, +)!$," 0+,(, () +)$ )+" +) $0(" 0+,(, )$ !" %")$,'",) +%" +(,/)"' !() +) $0(" 0+,(,.
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I'%0!;!0%"%$': T!" %")) )!$#) +$%(/ $ !" %")$,'",) )" $," (,"0+,(,7 +). 31 %")$,'",) +%" (" $ )" $," (," 0+,(, 0 $," (,"0+,(, () )"' 0/ "%/ ")) %")$,'",) 0"*+)" !"/ +%" ,$ / +#+%" +0$!() +*((/ %$('"' 0/ 0+,) )$ !" +(, $*) () $, (,"%," 0+,(,7 $0("0+,(,7 !$," 0+,(, "*. S$ !"/ '$, !+" +,/ ,$#"'" +0$ !" $,"(," 0+,(,.
I'%0!;!0%"%$':T!" %")) )!$#) +$%(/ $ !" %")$,'",) )" '"0( *+%'7+). 51%")$,'",) +%" (" $ )" '"0( *+%' 0"*+)" +**$%'(, $ !" () "+)/ $)" +,'"+)(/ +**"))(0". T!"/ *+, )" !() +,/ (" +,/#!"%". M$) $ !" %")$,'",)+%"
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)"' !() +*((/ +"% !" (,"%," 0+,(, 0"*+)" () !" +(, +*((/ #!(*! ())"'0/ !" *)$"%) +,' !"/ %"+/ (" !() +*((/.
= Ti*# t,e -e!tu+e 4,i*, you i#e 4,ie *o"&ide+i") HDFC !"d ICICI b!"#/
I'%0!;!0%"%$' '0% )"'*$'+: A) "% !" )%"/7 12 %")$,'",) ("' !" N"B+,(, )"%(*") %$('"' 0/ HDFC 0+,7 #!"%"+) (, *+)" $ ICICI 0+, %")$,'",) ("' (. S$7 #" *+, )+/ !+ HDFC 0+, %$('") 0""% N" B+,(,)"%(*") +) *$+%"' $ ICICI 0+,.
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I'%0!;!0%"%$' 5 !0#$% "!# '($'0: A**$%'(, $ !" )%"/ *$,'*"'
!"%" +%" $+ 1 "%)$,) #!$ )" E-B+,(, 0"*+)" $ !" C%"'( C+%' $,(,""+%". A,' $ $ $+ %")$,'",)7 %+"' HDFC) C%"'( C+%' $,(," )"%(*"0") +,' %+"' ICICI) 0").
I'%0!;!0%"%$' 5 '0 6$0=: O $ $+ 4 %")$,'",) #!$ ("' O,"-V("#"+%" $ E-0+,(, !" $)7 3 ("' HDFC +,' $,/ 1 ("' !" O,"-V("#"+%" %$('"' 0/ ICICI 0+,.
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I'%0!;!0%"%$' $'7%" "(0!%: A) "% !" )%"/ *$,'*"'7 5 %")$,'",) )+('!+ !"/ (" !" INSTA AERTS %$('"' 0/ HDFC 0+,7 #!"%"+) $,/ 2 !(,!+ ICICI %$('" 0""% INSTA AERTS.
I'%0!;!0%"%$' 5 M)$(0 B"'*$'+: M$0(" 0+,(, () $," $ !" (+ "+%")$ E-B+,(,. A) "% !" )%"/7 2; %")$,'",) %+"' !() "+%" $% #!(*!!"/ )" E-B+,(, )"%(*"). A,' $ $ !+ 2; %")$,'",)7 !+ !(, !+HDFC %$('") !() )"%(*") 0""% +,' !+ !(, !+ ICICI %$('") 0""%. S$7#" *+, )+/ !+ 0$! !" 0+,) +%" %$('(, !() "+%" $ E-B+,(, #(!+$) )+"
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I'%0!;!0%"%$' 5 ATM: O $ !" $+ %")$,'",) 1 !(, !+ !"/ )" E-B+,(, )"%(*") 0"*+)" $ () ATM "+%". A,'7 $ $ !$)" 1 %")$,'",)71; ("' !" )"%(*") %$('"' 0/ HDFC 0+, #!"%"+) ("' ( 0/ ICICI 0+,.
I'%0!;!0%"%$' 5 P2'0 )"'*$'+: A) "% !" )%"/7 4 "$" ("' !"!$," 0+,(, "+%" $ HDFC 0+, !" $)7 #!"%" +) !() ,0"% () 5 (,*+)" $ ICICI 0+,.
I'%0!;!0%"%$' 5 I B"'*$'+: A**$%'(, $ !" )%"/7 1 %")$,'", ("' !" I-MOBIE "+%" !" $) (, *+)" $ HDFC 0+,7 +,' 3 (, *+)" $ ICICI 0+,.
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