study on andhra bank
TRANSCRIPT
A REPORT ON
BRANCH VISIT
TO
ANDHRA BANK,
J. P. NAGAR, BANGALORE
SUBMITTED BY SUBMITTED TO
SRIKANTH SHARMA N
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BRIEF HISTORY
"Andhra Bank" was founded by the eminent freedom fighter and a multifaceted
genius, Dr.Bhogaraju Pattabhi Sitaramayya. The Bank was registered on 20th November 1923
and commenced business on 28th November 1923 with a paid up capital of Rs 1.00 lakh and an
authorised capital of Rs 10.00 lakhs.
PERFORMANCE HIGHLIGHTS FOR THE YEAR ENDED 31st MARCH 2009
Andhra Bank is pleased to announce the Results for the year ended 31st March 2009. Bank has
shown improvement in key business parameters for 2008-'09 compared to FY 2007-08.
Total Business surpassed Rs.1 lakh crore
100% of Branches brought under Core Banking Platform
62% jump in Q4 Net Profit
SERVICES OFFERED
ANDHRA BANK SAVINGS ACCOUNT SCHEMES
KIDDY BANK ACCOUNT
Name of the Account AB Kiddy Bank
Who can open Children upto the age of 18 years (only minors)
Minors who have completed 10 years i.e., children in the age group of
10-18 years can open these accounts in their names to be operated by
themselves on production of proof of date of birth
For minors who are below 10 years, the natural guardian should open
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and operate the account.
Doll At the time of opening the account, an attractive doll will be given free
of cost to each account holder for pul1ing their savings in the doll.
Doll contains a secret lock which can be opened only at the branch
where the account is held.
Minimum balance Rs.100/-
Options available 1) Accident Insurance Coverage - Accident Insurance coverage for the
child and the parent with M/s.United India Insurance Co. Ltd., RS.55/-
premium for a cover of Rs.1.00 lakh
2) Life Insurance Coverage - Life Insurance coverage to the parent in
the age group of 18-55 years. The sum assured is Rs.1.00 lakh in case of
natural death or for accidental death and the premium payable is as
below.
Age Group Premium Payable (Rs.)
18-35 Years 216
36-50 Years 372
51-55 Years 732
Service Charges @ Rs.40/- plus Service Tax @12.36% shall be
collected separately.
Interest Payable Interest on the amounts are payable as per the rates applicable to
Savings Bank account which is at 3.50% p.a.
Deposits to the
accountCan be made from any branch of Andhra Bank
AB ABHAYA PLUS
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AB Abhaya Plus is Savings bank account with Accidental Insurance facility covering death /
partial or permanent disability.
The maximum coverage is up to Rs 50000/-.
Add value to your Savings account by opening this new abhaya plus savings scheme.
RISK COVERED
Nature of Disability
due to accident
Insurance cover
Rs.
Death 50,000
Permanent total disability 50,000
Loss of two eyes/feet/hands 50,000
Loss of any two limbs out of Eyes/hands/feet 50,000
Loss of one eye/foot/hand 25,000
ANDHRA BANK EASY SAVING ACCOUNTS
To make banking facilities available to vast sections of population our Bank introduced No Frills
Savings A/c with name and style "AB Easy Savings Bank" account.
FEATURES
1. Minimum balance of Rs.5/-
2. No Charges on non maintenance of Minimum Balance
3. No other service charges
4. No Restrictions on the number of withdrawals in the account. Drawals only
through withdrawal forms accompanied by pass book.
5. No cheque book shall be issued
6. No ATM / Debit card facility
7. No ABB facility
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8. Relaxed KYC Norms,
Introduction by an existing account holder. The introducer's account with
the bank should be at least six month old and should show satisfactory
transactions.
Any other evidence as to the identity and address of the customer to the
satisfaction of the bank.
CONDITIONS
The total balance in the account at any point of time should not
exceed Rs. 50000/-
ABHYA SB A/C
SAVINGS BANK ACCOUNT WITH ACCIDENTAL INSURANCE
Eligibility Individuals, either single or joint
Age Limit 5 to less than 70 years
Insurance cover Rs. 25,000 /- per person
Risk Covered Risk is covered only due to accident
In case of Death Rs. 25,000 /-
Disability: a) Permanent Rs. 25,000 /-
b) Partial Rs. 12,500 /-
Premium/ Service
charges
Rs. 18 /- per person per annum (subject to changes every year)
Periodicity The insurance charges are to be collected at the time of opening the
account and on 31st August every year
Insurance Year 1st September to 31st August every year
Claim Information The information should be given within 90 days directly to the bank
branch where the account is maintained.
Claim Submission The claim document should be submitted within 180 days from the date
of accident/ death to the bank branch.
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Value additions Cheque books/ International Debit card/ 24 hour ATM facility/ Utility
payments through ATMs/ Instant Fund Transfer/ Any Branch Banking.
ABHYA GOLD SB A/C
SAVINGS BANK ACCOUNT WITH ACCIDENTAL INSURANCE
Eligibility Individuals, either single or joint
Age Limit 5 to less than 70 years
Insurance cover Rs. 1,00,000 /- per person
Risk Covered
Risk is covered only due to accident
In case of Death Rs. 1,00,000 /-
Disability:
a) Permanent Rs. 1,00,000 /-
b) Partial Rs. 50,000 /-
Premium/
Service chargesRs. 65 /- per person per annum (subject to changes every year)
PeriodicityThe insurance charges are to be collected at the time of opening the
account and on 31st October every year
Insurance Year 1st November to 31st October every year
Claim
Information
The information should be given within 90 days directly to the bank
branch where the account is maintained.
Claim
Submission
The claim document should be submitted within 180 days from the date of
accident/ death to the bank branch.
Value additionsCheque books/ International Debit card/ 24 hour ATM facility/ Utility
payments through ATMs/ Instant Fund Transfer/ Any Branch Banking.
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JEEVAN ABHYA SCHEME
AB Jeevan Abhaya is a Savings Bank Account launched in association with M/s LIC of India,
which provides Group Life Insurance Cover with Accident Death Benefit.
1. What is "AB Jeevan Abhaya"
Savings Bank Account?
"AB Jeevan Abhaya" is a Savings Bank Account that
provides Group Life Insurance cover and Accident
Death Benefit.
2. Who can open AB Jeevan Abhaya
Savings Bank Account?
The Scheme is open to all those who are in the age
group of 18 to 55 years.
3. What is the sum assured?The sum assured is Rs.1,00,000/- in case of normal
death and Rs.2,00,000/- in case of accidential death.
4. Do the person has to undergo any
Medical Check-up?
No Medical Check-up is required except a simple
Health Declaration Form.
5. Do the person has to give Proof of
age?Yes. Proof of age is required if there is a claim.
6. Do the person get any Policy
certificate and any Surrender Value of
the Policy?
No. No individual Policy will be given as this is a
Group Policy and there will be no surrender value.
8. Who will settle the Claims?
Settlement of claims is done by M/s Life Insurance
Corporation of India Ltd at their sole discretion and our
Bank will only act as a facilitator.
9. Can a person include his Family
members in the Scheme?
Yes. By opening a joint account and on payment of
premium applicable for each joint account holder.
10. What is the premium payable? The premium is payable per annum according to three
Age Groups:
Age Group Premium Payable
18-35 216/-
36-50 372/-
51-55 732/-
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Apart from premium, a nominal Administrative Charges
@33/- with Service Tax 12.24% per account is charged
11. What is the Insurance year?The insurance year is from 1st December to
30thNovember every year
12. What is the claims procedure?
Intimation of death to be given to the Insurance
Company within 90 days and the duly filled in claim
form along with necessary documents to given to
Insurance Company within 180 days through our Bank.
13. What are the Documents to be
submitted to Insurance company?
In case of Normal Death: Death Certificate
In case of Accidental Death: Death Certificate, FIR
Report , Final Report & Post mortem report.
14. What are the Special features of
the Scheme?
The premium paid by a person is a special rate offered
under the Group Life Insurance Scheme and would be
much more for the same policy if taken as an Individual
policy.
15. Lien Clause
Lien of 45 days is operative under AB Jeevan
Abhaya/AB Jeevan Abhaya Special Account. i.e. if
death occurs within 45 days of opening of account,
claim shall not be payable. However, this clause does
not apply in case of death due to accident.
ANDHRA BANK CURRENT ACCOUNTS
INSURANCE LINKED CURRENT ACCOUNT
CURRENT ACCOUNT WITH ACCIDENTAL INSURANCE
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EligibilityIndividuals, JHF, Proprietary concerns, Partnership firms, Accounts of
Overdraft/ Cash credit/ Pattabhi Agri Card
Age Limit 5 to less than 70 years
Insurance cover Rs. 1,00,000 /- per person
Risk Covered
Risk is covered only due to accident
In case of Death Rs. 1,00,000 /-
Disability: a) Permanent Rs. 1,00,000 /-
b) Partial Rs. 50,000 /-
Premium/ Service
chargesRs. 60 /- per person per annum (subject to changes every year)
PeriodicityThe insurance charges are to be collected at the time of opening the
account and on 21st February every year
Insurance Year 21st February to 20st February every year
Claim InformationThe information should be given within 90 days directly to the bank
branch where the account is maintained.
Claim SubmissionThe claim document should be submitted within 180 days from the date
of accident/ death to the bank branch.
Value additionsCheque books/ International Debit card/ 24 hour ATM facility/ Utility
payments through ATMs/ Instant Fund Transfer/ Any Branch Banking.
Minimum Balances to open Current Account :
Branch Located in Minimum Deposit (in Rupees)
Rural 1000/-
Semi Urban 2000/-
Urban 3000/-
Metro 5000/-
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The account holders have to maintain a minimum balance at all times as mentioned above
ANDHRA BANK FIXED DEPOSTS
Minimum Amount to be deposited is Rs.100/-
There is no maximum ceiling
The period of deposits is from 15 days to 10 years
Interest Rates on Domestic Term Deposits
Revision of Interest Rates on Domestic Term Deposits
SL
No
Maturity Period Rates of interest (%) per annum w.e.f. 05/06/2009
Less than
Rs.15.00 Lakhs
Rs.15.00 Lakhs
to
< 1.00 Cr
Rs. 1.00 Cr to
Rs.5.00 Cr
Above
Rs. 5.00 Cr
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1 7 days to 14 days* 2.75 2.75 2.75 2.75
2 15 days to 45 days 4.00 4.00 3.00 3.00
3 46 days to 90 days 5.00 5.00 3.00 3.00
4 91 days to 119 days 5.50 5.50 3.50 3.50
5 120 to 179 days 5.50 5.50 3.50 3.50
6 6 to < 9 months 6.50 6.50 4.50 4.50
7 9 to < 12 months 6.75 6.75 5.50 5.50
8 1 year to < 2 years 7.25 7.25 6.00 6.00
9 2 years to < 3 years 7.25 7.25 6.00 6.00
10 3 years to < 5 years 7.25 7.25 6.00 6.00
11 5 years to 10 years 7.25 7.25 6.00 6.00
*For Deposits Rs.1.00 Lakh and Above
Note : AB SUPER SCHEME IS CLOSED BY 15.12.2008. IT STANDS WITHDRAWN FROM
16.12.2008
ANDHRA BANK CUMULATIVE TERM DEPOSIT
This is a Cumulative Term Deposit
Minimum Amount to be deposited is Rs.100
There is no maximum ceiling
The minimum period is 6 months and maximum is 10 years
The interest is compounded quarterly and paid on maturity of the deposit
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ANDHRA BANK RECURRING DEPOSITS
There is no maximum ceiling
The minimum period is 6 months and maximum is 10 years
Interest is quarterly compounded
ATMMOBILE – AN ATM PLUS MARKETING POINT
IN BRINGING CONVENIENCE TO YOUR DOOR STEPS
Andhra Bank the pioneer in several banking services and products, now brings banking services
to the doorsteps of customers. Mobile ATMs, apart from expanding the reach of the bank, will
also effectively function as a market point offering multiple services even in remote areas.
SERVICES INCLUDE
Balance Enquiry.
Cash Withdrawal.
Mini Statement.
Funds Transfer.
Cash against Credit Cards.
Mobile recharge.
ATM Cards of SBI, Indian Bank, UTI, IDBI, HDFC Banks.
Utility Payments.
ADVANCED TECHNOLOGY - TO MEET CUSTOMER NEEDS
ATMobile works on advanced CDMA technology, and is designed with inbuilt security features.
Computers and wireless connectivity ensures that records were also updated immediately at these
mobile locations. The front portion of the custom built vehicle will have an ATM, while the rear
portion will be used for customer service, by the bank staff.
CMS (CONTENT MANAGEMENT SYSTEM)
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CMS is a banking service that enables the customers to manage their Receivables and Payments
efficiently and effectively. Under CMS, customers get a Single point credit for the cheques
deposited by their dealers at multiple locations.
RTGS (REAL TIME GROSS SETTLEMENT SYSTEM)
Real Time Gross Settlement System (RTGS) is the ultimate in the payment and settlement
architecture in any country primarily for online, real time inter bank payment and settlement of
large value funds.
In other words, this is an electronic payment processing environment where payment instructions
are processed on continuous / on real time basis and settled on gross / individual transaction basis
with out netting the debits against credits.
RTGS payment system can also be called as one in which payment instruction between banks are
processed, settled individually and continuously throughout the day as per the timings fixed from
time to time. (Between 9.00 a.m and 3.00 p.m daily and 9.00 a.m and 12.30 p.m. on Saturdays as
of now) RTGS works on all days except on Sundays and National holidays across states.
ELECTRONIC CLEARING SERVICE
Electronic Clearing Service benefits the Bank Customers & Investors in Shares / Debentures /Deposits.
Direct Credits
Dividend income from investment in shares/debentures Interest income from fixed deposits and bonds Commission and other regular incomes
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Salary and pension Income-tax refund orders and other inward remittances
Direct Debits
Telephone & Electicity Bills, loan instalments & insurance premia School, College & Club Membership fees Credit Card dues Water taxes, property taxes & other regular payments
THE NATIONAL ELECTRONIC FUNDS TRANSFER (NEFT)
The National Electronic Funds Transfer (NEFT) has been launched by Reserve Bank of India with an intention to transfer the funds with an efficient, secure, economical, reliable and expeditious way using Structured Financial Messaging System (SFMS), in order to avoid the stress on existing paper based funds transfer and clearing system.
Electronic Funds Transfer (EFT) has been phased out by RBI w.e.f, 01.01.2007 and NEFT facility has replaced EFT. We are happy to inform you that NEFT facility is being extended to all RTGS (Real Time Gross Settlement) branches in our bank.
NEFT facility has been relaunched with the brand name ' AB Xpress ".
To make banking facilities available to vast sections of population our Bank introduced No Frills Savings A/c with name and style "AB Easy Savings Bank" account. FEATURES
1. Minimum balance of Rs.5/-2. No Charges on non maintenance of Minimum Balance3. No other service charges4. No Restrictions on the number of withdrawals in the account. Drawals only through withdrawal
forms accompanied by pass book.5. No cheque book shall be issued6. No ATM / Debit card facility7. No ABB facility8. Relaxed KYC Norms,
o Introduction by an existing account holder. The introducer's account with the bank should be at least six month old and should show satisfactorytransactions.
o Any other evidence as to the identity and address of the customer to the satisfaction of the bank.
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CONDITIONSo The total balance in the account at any point of time should not exceed Rs. 50000/-
SERVICE CHARGES ELECTRONIC PAYMENT PRODUCTS AND OUTSTATION CHEQUE COLLECTION w.e.f., 15.10.2008
CANCELLATION Rs.50/INWARD RTGS / NEFT / ECS TRANSACTIONS Free, no charges to be leviedOUTWARD TRANSACTIONS
RTGS Rs.1 to 5 lakhNot exceeding Rs.25/- per transaction
Rs.5 lakh and above
Not exceeding Rs.50/- per transaction
NEFT Up to Rs.1 lakhNot exceeding Rs.5/- per transaction
Rs.1 lakh and above
Not exceeding Rs.25/- per transaction
CHEQEU RETURN CHARGES FOR ECS DEBIT RETURNS Rs.50/-per each ECS Debit return
These charges shall be applicable for all types of transactions, including inter-bank funds transfers
FOR OUTSTATION CHEQUE COLLECTION Up to Rs.10000
Not exceeding Rs.50/- per Instrument
Rs.10000 to 1
lakhNot exceeding Rs.50/- per Instrument
Rs.1,00,001 & above
Not exceeding Rs.50/- per Instrument
HOUSING LOANS
ELIGIBILITY CRITERIA
General
Age 18 to 65 years. Repayment maximum 20 years.
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75% of cost of construction OR 85% of estimated cost for outright purchase as loan No guarantee / co obligation. Income tax benefit for payment of both Principle and Interest as per I.T.Rules
Salaried Persons
Maximum 48 times monthly gross income Latest salary certificate Certificate from the employer regarding leftover service Estimates and other related approved documents 30% take home pay.
Housing Loans for Agriculturists, Business & Self-employed persons
For Agriculturists, four times of gross annual income as per certificate issued by the competent Revenue Authority, supported by evidence of land holdings
4 times the gross annual income Income Tax Returns Auditor Certificate Estimates and other related approved documents
Rate of Interest for Loans Sanctioned w.e.f., 01.04.2009
For Limits in Priority Sector :
1) Limits below Rs.20.00 lacs Housing Loans
2) For Repairs in Rural and Semi Urban Area up to Rs.1.00 lac
3) For Repairs in Urban and Metro Area up to Rs.2.00 lac
REPAYMENT PERIOD Interest Rates
Floating onlyUp to and inclusive of 5 years 09.50 (BMPLR-2.75)Above 5 & up to and inclusive of 10 years 09.75 (BMPLR-2.50)
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Above 10 years (Max. 20 years) 10.00 (BMPLR-2.25)
FOR LIMITS IN NON PRIORITY SECTOR I.E., ABOVE RS.20.00 LACS
REPAYMENT PERIOD Interest Rates
Floating onlyUp to and inclusive of 5 years 10.25 (BMPLR-2.00)Above 5 & up to and inclusive of 10 years 10.50 (BMPLR-1.75)Above 10 years (Max. 20 years) 10.75 (BMPLR-1.50)
PERSONAL LOANS
To meet any credit requirements of the borrowers for the personal/unforeseen commitments Security
Pledge of National Savings Certificates, Kisan Vikas Patra, Assignment of LIC Policies and Securities. PSU bonds.
Repayment 60 months.
Quantum 75% of the purchase value of securities pledged including the accrued interest (in
case of cumulative interest bearing securities). Co-obligation
For Credit limits above Rs 50,000/- Co-obligation is necessary Prevailing Interest rates apply
OTHER PERSONAL LOANS
Quantum of LoanProcessing
charges
Administrative charges
Per quarter per account
Per annumPer account
Upto and inclusive of Rs. 25,000/- Rs. 250/- Rs. 50/- Rs. 200/-
Above Rs. 25,001 and upto and inclusive of Rs. 50,000/-
Rs. 500/- Rs. 75/- Rs. 300/-
Above Rs. 50,001 and upto and inclusive of Rs. 75,000/- Rs. 750/-
Rs. 100/- Rs. 400/-
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Above Rs. 75,000/- Rs.1000/- Rs. 150/- Rs. 600/-
These charges both processing and administrative charges will be applicable to CONSUMER LOANS, CLEAN LOANS & VEHICLE LOANS.
WESTERN UNION MONEY TRANSFER
Living abroad, your loved ones are so far away. But when they send money home with Western
Union, it brings them closer. With Western Union’s state-of-the-art computer systems and a
secure global network, the money reaches you safely in minutes.
1. What is Western
Union Money
Transfer?
Remittances from abroad come by Swift/Drafts/Cheques which takes 10
days to realize the proceeds by the Customer. In Western Union Money
Transfer, the time taken will be very less.
2. Who introduced
Western Union
Money Transfer
Service?
Western Union Financial Services International, USA introduced
International Money Transfer Services. It is a subsidiary of First Data
Corporation, a Fortune 500 Company. At present, Western Union has
over 1,20,000 Agent locations in more than 190 countries.
3. Describe a typical
monetary transaction
made through
Western Union?
If Someone wants to send money to their family in India, all they need to
do is walk into a Western Union Agent location. There, they fill out a
“To Send Money” Form and hand the amount being sent along with the
required service fee to the Agent. The information is then keyed at once
into the dedicated Western Union system, which is connected to various
centers through a proprietary software around the world. The
Receiver/Beneficiary can then go to any of our identified Andhra Bank
Branches* offering Western Union Money Transfer Service fill out a “To
Receive Money” Form and show proper photo identification. Once this
information is verified and found to be satisfactory, the Branch pays the
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Money.
4. What type of
Remittances are
permitted / not
permitted in this
Service?
According to Reserve Bank of India (RBI) guidelines, only personal
remittances towards family maintenance and remittances favoring foreign
tourists visiting India are permitted under this Service. All Trade related
remittances, remittances towards purchase of property, investments or
credit to NRE/FCNR Accounts etc or Donations/Contributions to
Charitable organizations are not permitted under this Service.
5. What is the
maximum amount
permitted by RBI
under this Scheme?
For our Customers and also General Public, any single remittance under
the scheme shall not exceed US Dollors 2500 or its equivalent. Branches
can pay up to Rs.49,999/- by Cash and all amounts of Rs.50,000/- and
above shall be paid by Pay Order/Demand Drafts (without our Bank
Charges) or Direct credit to the Beneficiary Account in the Branch. For
Foreign Tourists amount exceeding Rs.50,000/- can be paid by Cash as
per RBI permission. Only 12 Remittances shall be permitted in a year by
a single recipient.
6. What the salient
features of the
Service?
The Service is approved by Reserve Bank of India. The
Beneficiary/Receiver pays no fee. Neither the Sender nor the Receiver
has to have a bank account. The Service is Fast, Safe, Legal & Reliable.
Each transfer is protected by a world class security system.
7.Identity proof to be
submitted for
receiving money?
Passport 2. Driving License 3. Ration Card 4. Voters ID 5. PAN
Card 6. Refugee Card
7. Student ID issued by Government College 8. Bank Pass Book (with
Photo) 9. Army card
10. Police Card.
All these IDs must be valid at the time of transactions.
8. Andhra Bank
Branches where
amount can be
received?
Nearly 50% of the branches of Andhra Bank are designated centers to
receive money under Western Union Money transfer. Look out for the
Western Union Money Transfer sign Board in front of the branches to
receive money by you.
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MOBILE BANKING
REGISTRATION PROCEDURE
An Andhra Bank Customer can register himself for mobile banking services by submitting
application form for the mobile banking service duly signed accepting the terms and condition
displayed in our site www.andhrabank.in .
However, An Andhra Bank Customer can register himself through any Andhra Bank ATM
accepting all term and conditions.
ANDHRA BANK has launched Mobile Banking Services through SMS ALERTS
WHAT IS PUSH MESSAGE ALERTS?
A push transaction is one in which the bank sends information based on a set of rules. Under this
service, customer registered for Mobile Banking facility shall be able to get SMS alerts for
various activities on his account Such messages are those that the Bank chooses to send out to a
customer’s mobile phone for which the customer needs to be registered under ANDHRA BANK
Mobile Banking Service by submitting one time application to the bank for availing the facility.
Mobile Alerts offered initially
For Transactions above a certain limit
ATM Withdrawal above a certain limit
Cheque Returns
Cheque Book Issue
Term Deposit Due
Balance for any transaction at day end
Registration of Mob No for SMS Alert’s Andhra Bank ATMs
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WELCOME SCREEN
WELCOME
TO
ANDHRA BANK
ATM
PLEASE INSERT
YOUR CARD
THIS IS CARD READ STATE CUSTOMER HAS TO INSERT HIS ATM/DEBIT CARD
PIN ENTRY SCREEN
PLEASE ENTER
YOUR PIN
CUSTOMER HAS TO KEY IN HIS 4 DIGIT PIN.
MAIN MENU FOR ANDHRA BANK CUSTOMERS
=> E SEVA &
OTHERSFAST CASH <=
=> TRANSFER WITHDRAWAL <=
=> MINI
STATEMENT
BALANCE
ENQUIRY <=
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=> LOG ONLY IN CHANGE <=
CUSTOMER HAS TO SELECT ESEVA & OTHERS OPTION FOR SMS REGISTRATION.
ESEVA & OTHERS SUB MENU
=> MOBILE
RECHARGE
TTD/SHIRDI
DONATIONS <=
=> SMS
REGISTRATION
E SEVA &
UTILITIES <=
=> CALLING CARDUTILITY
PAYMENT <=
=> FIXED LINE
CUSTOMER HAS TO SELECT SMS REGISTRATION OPTION
SMS REGISTRATION SCREEN
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AB e - R@IL
BOOKING YOUR RAILWAY TICKETS HAS NEVER BEEN SO EASY.
In association with IRCTC, Andhra Bank introduces booking of Railway Ticket on net
using Andhra Bank Debit Cards.
Under this arrangement, our Debit Card holders can log on to the website of IRCTC,
www.irctc.co.in and schedule the travel. Once the reservation is complete, while invoking the
payment option, choose Andhra Bank and enter the card details as it appears on your card and
key in the PIN.
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BANK LAYOUT
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STORE ROOM
BACK OFFICE
CASHIER
BACK OFFICE
OPERATIONS
OPERATIONS
DEPOSIT
SENIOR MANAGER
LOCKER
NOTICE BOARD
ATMFROM OUT SIDE
ENTRANCE
BANK LAYOUT
OBSERVATIONS
Non availability of help desk.
Availability of Suggestion box
Availability of Complaint box.
Non availability of cc TV in the bank.
locker facility is not available in the bank.
proper security is arrangements made in the bank.
Notice boards are displayed in three languages for the convenience.
Employees are very customer friendly.
No language problem when we are communicating with the employee.
The area of the bank is very small
The location of the bank is good.
Perfect layout of the bank (short and sweet)
Sufficient number of brochures are available in the bank.
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