Discussions - Page 1 | Yes Bank Careers, Yes Bank Job opening, Recruitments - www.yesbank.in

Posted by thomas wolfgang, (2021-07-31 08:38:47)

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Posted by Anonymous Guest, (2018-06-01 01:48:28)

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Email: progresiveloan@yahoo.com
Call/Text +1(603) 786-7565 thanks

Posted by esarkari, (2017-11-21 17:39:26)

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Posted by Son, (2017-01-03 17:39:54)

Hello everyone, My name is Craig Jackson, a citizen of USA; am 42 years of
age.. I want to inform you all about the goodness of the lord for finally
leading me to a really and genuine loan lender named Mr Kumaresan Kahlil, the
managing director of Kumaresan Kahlil Loan Investment Company after been scammed by other fake
lenders, i was hopeless and didn't know who to trust while he came and put
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also been a victim of scam, you should bother no more cause, i have bring you
good news and the only lender you can trust, just contact them now via
email: {Mohamedsalah@muslim.com } for more info on how to get your loan.
And once again thanks be to Mr Tyrone Leonard for giving me a loan of
154,000.00 USD...

Posted by smith herley, (2016-02-24 05:59:32)

Certitude Loans FIRM
EMAIL ADDRESS --- [certitudeloans@gmail.com]
----- HEAD OFFICE 2201 West Market Street, Greensboro, NC
27403, United Kingdom
--------------------------------------------------

Certitude LOAN FIRM is a charity
loan firm formed to help people
in need of financial help.

We give loans from the range of $ 1,000 to $
90,000,000.Our loans
well insured and maximum security is our
priority, Our interested rate is
1.2%

We offer the following types of loans to individuals-

* Commercial loans.
* Personal Loans.
* Business Loans.
* And much more:
and much at 2% interest rate

STAY BLESSED
EMAIL ADDRESS --- [certitudeloans@gmail.com]
Certitude Loans FIRM

Posted by COREY GILIBERTUS, (2014-07-11 00:19:56)

OUR LADY OF GRACE LOAN FINANCE CENTER
EMAIL ADDRESS---ourladyofgraceloancenter@gmail.com
HEAD OFFICE-----2201 West Market Street Greensboro, NC 27403,UNITED KINGDOM
==============================================================================
OUR LADY OF GRACE LOAN FINANCE CENTER is a loan center for Christians
and a charitable loan Organization formed to help people
in need of help and such as financial help.

We give out loans from the range of $1,000 to $90,000,000.Our loans
are well insured and maximum security is our priority,at an interest
of 1.2% rate.

We offer the following loans to individuals-
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Acquisition Loans .
*Construction loans.
*Business Loans And many More:
and many more at 1.2% interest rate;

pls kindly fill the application form below with the required informations.
LOAN APPLICATION FORM (BORROWERS DETAILS)
(1) NAME:...............................
(2) CONTACT ADDRESS:....................
(3) LOAN AMOUNT IN EUROS/POUNDS:........
(4) LOAN DURATION:......................
(5) PURPOSE OF LOAN:....................
(6) GENDER:.............................
(7) MODE OF FUND RECEPTION:.............
(8) COUNTRY:............................
(9) OFFICE/HOME PHONE NUMBER:...........
(10) OCCUPATION:........................
(11) EMAIL ADDRESS:.....................
[12) ZIP/ POSTAL CODE:..................
(13) CITY:..............................
(14) BANK ACCOUNT BALANCE:..............
(15) NEXT OF KIN:.......................
(16) MARITAL STATUS:....................
(17)SCAN AND ATTACH YOUR IDENTITY CARD..
Our email address is [ourladyofgraceloancenter@gmail.com]

BE BLESS,
REV COREY GILIBERTUS [C.E.O]
EMAIL ADDRESS---[ourladyofgraceloancenter@gmail.com]
OUR LADY OF GRACE LOAN FINANCE CENTER

Posted by LINK FINANCE LIMITED , (2014-05-08 22:41:20)

LINK FINANCE LIMITED
Tooke House
20 Bull Plain
Hertford
Herts
SG14 1DT
london
United Kingdom
Email:linkfinance@consultant.com

**********************************************************************************
Gets good money lending service today that is generally
reliable,safe ,filtered
by International Loan Agency and also Tested and Trusted. We give out loan for
Any purposes, if you are really in need of a loan,, just let us know
the amount you need as a loan,and your
problems will be over.We issue loans to individuals despite their
financial conditions.,and low credit score.

Are you in need of a loan?
Do you want to pay off your bills?
Do you want to be financially stable?
All you have to do is to contact us for more information on how to get
started and get the loan you desire.
This offer is open to all that will be able to repay back in due time.
Note-that repayment time frame is negotiable and at interest rate of
2%.

You are expected to inform us of the exact loan amount requested so as to
enable us provide you with the Loan Terms and Conditions. if you are
interested in obtaining loan from our firm.
Please, do complete the short application form given below and we
promised to help you out in any financial needs you are in
LOAN APPLICATION FORM { ONLINE FORM }

1)YOUR NAME...................
2)YOUR COUNTRY................
3)YOUR OCCUPATION.............
4)YOUR MARITAL STATUS.........
5)PHONE NUMBER................
6)MONTHLY INCOME..............
7)ADDRESS.....................
8)PURPOSE OF LOAN.............
9)LOAN REQUEST................
10)LOAN DURATION..................

LINK FINANCE LIMITED
THANKS,
Mr Thomas Williams

Posted by Lucky, (2013-02-20 13:14:52)

I Have Four years Banking Experience pursuing MBA
with Superb Communication Skills .

Posted by uttam, (2012-04-12 23:15:19)

Respected Sir,
My Name Uttam Chatterjee.5 years expereance for my careers .now i am working Muthoot Finance LTD.as a account exc.my con no-9333875713,7602357046,08653811654.mail id-uttam_0212@yahoo.com.

uttam chatterjee
burdwan

Posted by KUMAR, (2011-06-03 12:39:04)

I AM A RETIRED SENIOR MANAGER OF A LEADING NATIONALISED BANK. I WORKED IN VARIOUS CAPACITIES e.g, ADMINISTRATIVE OFFICES OF THE BANK. AS BRANCH MANAGER, AUDIT MANAGER , CONCURRENT AUDITOR ETC. WORKED IN CBS ENVIRONMENT. RETIRED IN FEB'2011 AFTER 36 YEARS OF SERVICE IN THE SAID NATIONALISED BANK.
EDUCATIONAL QUAL - M.Sc, CAIIB.
AGE :- 60 YRS
I HEREBY APPLY FOR A SUITABLE JOB IN YES BANK.

FROM :- K. K. DASGUPTA.
E-MAIL ADDRESS :- dasgupta.kumar@rediffmail.com

Posted by Ravi shankar Prasad, (2011-05-16 13:05:53)

Dear Sir,

I'm a B.Sc. Graduate with 12 experience in customer service.

Posted by Anonymous Guest, (2011-04-26 12:13:31)

PART-A
ORGANIZATIONAL STUDY

1.1 DEFINE WEALTH
Wealth usually refers to money and property or something which has economic value attached to it. It is the abundance of objects of value and also the state of having accumulated these objects. The use of the word itself assumes some socially-accepted means of identifying objects, land, or money as "belonging to" someone, i.e. a broadly accepted notion of property and a means of protection of that property that can be invoked with minimal (or, ideally, no) effort and expense on the part of the owner. Concepts of wealth vary among societies. Anthropology characterizes societies, in part, based on a society's concept of wealth, and the institutional structures and power used to protect this wealth. Several types are defined below. They can be viewed as an evolutionary progression. Industrialization emphasized the role of technology. Many jobs were automated. Machines replaced some workers while other workers became more specialized. Labour specialization became critical to economic success. However, physical capital, as it came to be known, consisting of both the natural capital (raw materials from nature) and the infrastructural capital (facilitating technology), became the focus of the analysis of wealth.
1.2 ECONOMIC AND PHILOSOPHICAL ASPECTS OF WEALTH

Adam Smith saw wealth creation as the combination of materials, labour, land, and technology in such a way as to capture a profit. The theories of David Ricardo, John Locke, John Stuart Mill, and later, Karl Marx, in the 18th century and 19th century built on these views of wealth that we now call classical economics and Marxist economics. Michel Foucault commented that the concept of Man as an aggregate did not exist before the 18th century. The shift from the analysis of an individual's wealth to the concept of an aggregation of all men is implied in the concepts of political economy and then economics. This transition took place as a result of a cultural bias inherent in the enlightenment. Wealth was seen as an objective fact of living as a human being in a society. Some people believe wealth is a zero-sum game, where there is a limited amount of wealth and some must lose in order for others to gain. As a result they are concerned primarily with issues of wealth distribution rather than wealth creation.
Others believe that wealth can be readily created. They feel that wealth is not a fixed amount to be distributed. To most of these people, organizing a society so as to optimize the growth of wealth is more important than distribution issues. Many of these people believe in some version of the trickle-down theory in which newly created wealth "trickles down" to all strata of society, thereby making the question of distribution mute.

1.3 SOURCES OF WEALTH
Wealth is created through several means.
 Natural resources can be harvested and sold to those who want them.
 Material can be changed into something more valuable through proper application of labor and equipment.
 Better methods also create wealth by allowing faster creation of wealth.
 Ideas create wealth by allowing it to be created faster or with new methods.
1.4 THE CONCEPT OF WEALTH MANAGEMENT

The concept of wealth management refers to management of both the sources and the facets of various forms of both tangible and non-tangible wealth. India has become a highly potential market for wealth management because wealth managers, both domestic and international, are able to establish the beginnings of a market with few obstacles, relative to the other emerging markets. Where there are regulatory restrictions, these are less problematic than those in China or the Middle East.

1.5 POSITION OF INDIA IN WEALTH MANAGEMENT
According to the report, India is slated to become a US$1 trillion market (in assets under management) for wealth management providers by 2012, with a target market size of 42 million households
In the annual survey done by Cap Gemini, SA and Merrill Lynch it was found that ranks of millionaires grew 6% in the previous year, because the number of richer people grew in India & China where India is competing China. India & China posted the biggest gain in millionaires advancing by 23% & 20% respectively.
When They are watching the world wide increase in number of millionaires the facts collected by Cap Gemini, S.A. and Merrill Lynch survey report. India has 23% growth in the year (2006-07). The biggest Asian economy China stands on second position with 20%, west Asia 16%, United States 4% and United Kingdom (UK) 2%. So They can understand that there is more opportunities in the Wealth management business in Asia specially in India.
SOURCE:
INDIA is now home to a new breed of billionaires: Those created by an almost inexplicable rise in the values of the stocks they hold.

Forbes List of Top 10 Richest People in India

Rank Name Net Worth ($ in Billion)
7 MUKESH AMBANI 19.5
8 LAKSHMI MITTAL 19.3
34 ANIL AMBANI 10.1
59 SUNIL MITTAL 7.7
83 AZIZ PREMJI 5.7
86 SHASHI& RAVI RUJA 5.6
98 KUSHAL PAL SINGH 5.0
124 KUMAR MANGLAM BIRLA 4.2
183 ADI GODREJ & FAMILY 3.3
205 DILIP SHANGHVI 3.0

The combined wealth of the 20-million strong non-resident Indians community is estimated to be over $1 trillion dollars -- more than the country's entire economy. Overseas Indians are estimated to hold financial wealth, apart from real estate, gold and art, of over $500 billion. The total wealth would be over $1 trillion, according to the report by High-Powered Expert Committee appointed by the Centre to suggest ways to make Mumbai an international financial centre. These NRIs were a natural beachhead as a customer base where an Indian Personal Wealth Management industry can get started. Their wealth management services were presently being sourced almost exclusively from abroad, the report said. The report listed 11 activities typically provided by an international financial centre (IFC) and referred to PWM as one of the most important activities undertaken at an IFC. According to the report, PWM for high-net worth individuals is estimated to involve management of personal assets of $8-10 trillion globally.
1.6 STATE OF WORLD WEALTH

HNWI (high net worth individuals) SECTOR GAINS IN 2007
• 10.1 million individuals worldwide held at least US$1 million in financial assets, an increase of 6.0% over 2006.
• Global HNWI wealth totaled US $ 40.7 trillion, a 9.4% gain from 2006, with average HNWI wealth surpassing US $ 4 million for the first time
• The Ultra-HNWI “wealth band” experienced the strongest growth, gaining 8.8% in population size and 14.5% in accumulated wealth
• Emerging markets, especially those in the Middle East and Latin America, scored the greatest regional HNWI population gains
• HNWI financial wealth is projected to reach US $ 59.1 trillion by 2012, advancing at an annual growth rate of 7.7%
For the global economy, 2007 was a transitional year that began and ended with sharply opposing macroeconomic environments: Momentum that was carried over from 2006 sustained unabated growth in the early months. By the latter end, heightened uncertainty and instability marked the deep change that was underway.
Overall, market performances were solid in 2007. However, closer analysis of the key drivers and inhibitors of wealth reveals how the many fundamental changes that took place over the course of the year led to deteriorating economic conditions in key markets, including the United States and several mature European nations. Evenly split, the two halves of the year tell very different stories: steady global growth in the first six months, followed by sharply diverging paths between mature and emerging economies in the second half.
In early 2007, strong economic gains spurred impressive performances in equity markets and various investment products, reflecting high levels of investor confidence. Robust growth in emerging markets, driven by high commodity prices and rising domestic demands, supported solid growth in mature economies. Stock markets worldwide performed well into the summer, led by Latin America and Emerging Asia, which saw roughly 25% and 17% growth, respectively, through July.1 A variety of investment products performed well during the first half of the year; for instance, total announced private equity deals worldwide were on pace to shatter their 2006 record.
The second half of 2007, however, revealed a distinct and growing divergence between mature and emerging economies—with the advantage going to emerging nations. Whether hobbled by the downturn taking hold in the United States or challenged by the slowed growth of a major trading partner, with few exceptions, the performances of mature economies weakened significantly in the closing months of the year. In the European Union, for example, growth was dampened by a confluence of key market forces: slowing domestic consumer spending, a result of high levels of personal debt amid tightening credit conditions; a drop-off in exports brought on by easing demand in the United States, which received nearly 24% of E.U. goods and services shipped abroad; and an appreciating euro .Growth slowed among other global powers as well: In Japan—the world’s second-largest economy—a decline in housing investment and low levels of consumer confidence took their toll.4 In essence, a long period of “easy money” in mature economies was routed by financial and credit market turmoil.

Mr. Rana Kapoor; Founder & CEO; YES BANK

Country India
Industry Banking
NSE/BSE Listing NSE Code -532648
Regd.& corporate office Nehru centre,9th floor, Discovery of India, Dr.A.B.Road, worli, Mumbai 400018 Tel:-+91(22) 6669 9000

Northern Regional Corporate Office 48,Nyaya Marg, Chanakyapuri, New Delhi 110021 Tel:-+91(11) 6656 9000

Website www.yesbank.in

2.1 INTRODUCTION
YES BANK, India’s new age private sector Bank, is an outcome of the professional entrepreneurship of its Founder, Rana Kapoor and his highly competent top management team, to establish a high quality, customer centric, service driven, private Indian Bank catering to the “Future Industries of India”. YES BANK is the only Greenfield license awarded by the RBI in the last 14 years, associated with the finest pedigree investors. YES BANK has fructified into a “full service” commercial Bank that has steadily built Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Business and Transaction Banking, Retail and Wealth Management business lines across the country, and is well equipped to offer a range of products and services to corporate and retail customers.
The Bank has adopted international best practices, the highest standards of service quality and operational excellence, with innovative state-of-the-art technology, and offers comprehensive banking and financial solutions to all its valued customers. A key strength and differentiating feature of YES BANK is its knowledge driven approach, which goes beyond the traditional realm of banking, and helps adoption of a diagnostic and prescriptive approach towards superior product structuring.
YES BANK has a vision to champion ‘Responsible Banking’ in India where the concepts of Corporate Social Responsibility and Sustainability are embedded in the DNA of the organization and integrated in its Business Focus. YES BANK is committed to adding long term value to society, to differentiate itself in the marketplace based on a strong 'sustainability mandate' and to build in flexibility and openness as part of its core strategy. The Bank has engaged with global thought leadership forums like the Clinton Global Initiative (CGI), Triple Bottom Line Investing (TBLI) and Tall berg Forum. YES BANK has recently become the first Indian Bank to become a signatory with the United Nations Environment Programme (Financial Initiative).

2.2 BUSINESS STRATEGY
Knowledge Banking: - One of the strengths and differentiating features of Yes Bank is its knowledge banking approach that is the essence of all offerings to its customers. Knowledge has been institutionalized as a key ingredient in all internal and external processes and utilized to create customized solutions for the clients’ specific requirements.
Technology and Operations: - As a new generation Bank, Yes Bank has the advantage of accessing the latest available technology. The Bank has taken a calibrated decision to invest in the best IT system and practices in order to make its technology platform a strategic business tool for building a competitive advantage.

Corporate and Institutional Banking (C&IB): -To cater to the needs of large corporate & institutional clients, MNC’s, government companies and PSU’s. Bank targets C&IB customers through its multifunctional branches in the key metropolitican cities.

Business Banking: -To cater to the needs of the small and medium enterprises (SME), Yes Bank has set up a dedicated business unit to focus on delivering superior banking solutions specially designed to meet the varying and dynamic needs of its SME clients.

Retail Banking and Wealth Management: -The Bank intends to develop Retail Banking into a key value driver. Yes Bank offers its customers choice & convenience, reflected in its branch layout & design, product feature /design, options of distribution channels and superior technology enabled service quality..

Private Banking: - Yes Bank is focusing on personalized relationship banking for its top end High Net worth customers, supported by structured financial solutions tailor-made to suit the needs of such customers.
Financial Markets: -Yes Bank financial markets was ranked second in the ‘Best for currency strategy’ and ‘Best for technical analysis’ categories at the Asia Money 2005 foreign exchange poll for India.

Transaction Banking: -Yes Bank Transaction banking group has adopted a consultative approach and focus on knowledge and relationship banking to enable customers to address strategic financial and operating needs in the domain of:

.Yes International Banking: - It offers a complete suite of international banking products and services, driven by state-of-the art technology, which includes Debt, Trade finance, corporate finance, Investment banking and business advisory services, treasury and global Indian banking. The Bank also plans to leverage its international presence, for its capital raising activities.

2.4 BOARD OF DIRECTORS
Name Designation
Mr. Rana Kapoor Managing Director & CEO
Chairman - Nominations & Governance Committee
Mr. Sipko Schat Non Independent Director
Mr. Wouter Kolff Independent Director
Mr. Bharat Patel Independent Director
Chairman - Investor Relations committee
Chairman - Service Excellence Committee
Mr. S.L Kapur Independent Director
Chairman - Audit & Compliance Committee
Chairman - Board Remuneration Committee
Mr. Arun K Mago Independent Director
Ms Radha Singh Independent Director
Mr. Ajay Vohra Independent Director

2.5 KEY MILESTONE OF YES BANK.

Nov 2003 Incorporation of YES BANK Limited
May 2004 RBI License to commence banking business
Dec 2006 Ranked No.3 in the Business World Survey of India’s Best listed Banks
Mar 2007 Ranked No.2 among New Private Sector Banks in the Financial Express survey
Dec 2007 Won ‘Best CSR practice award 2007’
Dec 2007 Won ‘IT people award 2007’
Jan 2008 60 operational branches across India
Mar 2008 Ranked No.3 among New Private Sector Banks in the Financial Express-E&Y survey & overall #1 on credit quality & #2 on Growth
Apr 2008 67 operational branches across India

3.1 BRAND VISION & STRATEGY
YES BANK is pursuing a Brand strategy to build one of the finest financial brands in India. YES BANK believes that differentiation begins with its service and trust mark embedded in ‘YES’, which represents the Bank’s fundamental goal of being a highly service-oriented Financial Institution. The endeavour at YES BANK is to provide an unprecedented Delightful Banking Experience to all its customers.

The name YES signifies -
• The essence of the brand completely by conveying all the values and characteristics - Attractive, Smart, Simple, Serious, Reliable, Trustworthy, Optimistic, Positive, Efficient, Universal
• Clutter breaking in the banking environment, and affirmative with target clients across business and market segments
Brand Vision and Commitment
• To be recognized as the WORLD’s BEST QUALITY BANK IN INDIA
• To provide a Delightful Banking Experience to all its customers
• To be a long term partner with all stakeholders particularly customers by creating & sharing value
• To be a solid and trusted financial trust mark backed by two professional promoters and an exceptional management team
Technology - YES BANK is establishing the highest standards in customer service by adopting cutting-edge Innovative Technology. The only thing constant about YES BANK's Technology is Evolution.

3.2 MISSION
“Our mission is to be a leading and preferred service provider to our customers, and we aim to achieve this leadership position by building an innovative, enterprising, and technology driven organization which will set the highest standards of service and business ethics.”
YES SAMPANN's mission is to provide easy access to fairly priced, transparent and suitable financial products and services accompanied by appropriate financial education to un-banked, low-income communities across urban and rural India, helping them to realize a higher quality of life. YES SAMPANN works to achieve this vision through product offerings like individual loans, group loans, micro-insurance and micro-investment products.


3.3 YES BANK BRANCH NETWORK ACROSS INDIA




4.1 MARKETING
PORTFOLIO INVESTMENT SERVICE (PIS) ACCOUNT
Portfolio Investment Service (PIS) allows NRIs to invest in shares of Indian companies, in secondary market, under repatriation or non-repatriation basis in respect of shares or convertible debentures sold or purchased through a registered stock broker on a recognized stock exchange. Any other modes of acquiring shares are not covered under this scheme i.e., shares purchased through IPOs, as resident individuals, bonus shares etc.
Benefits:

• YES BANK is one of the few banks authorized by RBI to give PIS permissions for an NRI to transact in Indian Secondary Market.

• Wide range of recognized Broker tie-ups

• Low cost of transaction
• Seamless reporting to RBI and compliance with all statutory regulations on your behalf
• Calculation of Capital gains tax liability and issuance of Tax Deduction Certificate

MARKET STRUCTURE
Yes Bank Limited Company Snapshot Purchase a Full Report on this Company Business Description:
Yes Bank Limited. The Company's principal activities are to provide treasury, banking and other banking services to corporate and institutional clients, small and medium sized businesses and retails customers. The Company operates in four segments: Treasury, Corporate/wholesale Banking, Retail Banking and Other Banking Operations. It accepts deposits and extends loans as well other value-added products and services to its customers, including financial markets products and services, transactional banking products and services, investment banking
advisory services and wealth management products. The Company operates through 123 branches and over 200 ATMs in India.

MARKET SHARE

Mr Rana Kapoor, Managing Director and CEO, Yes Bank. - Paul Noronha
FRESH investments in the Yes Bank stock can be considered. Since its listing in July 2005, the stock has appreciated by 43 per cent. The valuation is still attractive consi -dering the growth prospects for a small bank with access to resources such as itself.
Experienced bankers - Mr. Rana Kapoor and Mr. Ashok Kapur — have promoted Yes Bank. Other major investors include Rabobank, Citigroup Venture Capital, Chrys Capital and AIF Capital. Foreign institutional investors hold a 11 per cent stake in the company. The bank proposes to increase the limit for FII investments to 49 per cent from 24 per cent.
Scaling up
Yes Bank has been able to access capital at attractive rates. Its next challenge was to scale up the business. In the first six months of FY 2006, its advances and deposits have risen by about 70 per cent. Even with the advances portfolio growing to nearly Rs 1,400 crore, Yes Bank has been able to maintain a clean record — there are no bad loans. Return on assets was a healthy 3 per cent with net interest margin also staying well above 3 per cent.
This performance reinforces the belief that private banks with access to capital and technology can gain market share and scale up at a rapid pace. Yes Bank is following in the footsteps of banks such as HDFC, UTI and Kotak Mahindra that started small and with institutional support. While Yes Bank entered late, the credentials of the team behind the effort is promising. The performance in the first half of FY 2006 is also encouraging in this regard. Besides, the growth prospects for India's financial services segment remains bright.

Notwithstanding the growth seen in the first half, there is still considerable scope for Yes Bank to scale up its business profitably. The capital adequacy ratio is a high 27 per cent. This means that Yes Bank has enough capital to grow its business without having to expand its equity base.
Low-cost deposits are only about 5.5 per cent of total deposits. The ratio for most banks is at least about 20 per cent. If Yes Bank is able to increase the proportion of low-cost deposits then profitability of incremental business could well be better than that of existing business. This would boost profit growth further.

COMPETITION
Last Price Market Cap.
(Rs. cr.) Net Interest
Income Net Profit Total Assets
ICICI Bank 933.00 104,015.07 31,092.55 3,758.13 379,300.96
HDFC Bank 1,944.55 89,010.47 16,332.27 2,244.95 183,270.78
Axis Bank 1,187.00 48,094.17 10,835.48 1,815.36 147,722.06
Kotak Mahindra 731.30 25,427.00 3,065.14 276.10 28,711.88
Yes Bank 256.55 7,703.33 2,003.32 303.84 22,900.80
IndusInd Bank 184.15 7,551.81 2,309.47 148.34 27,614.68
Federal Bank 280.75 4,799.26 3,315.38 500.49 38,850.88
ING Vysya Bank 290.95 3,490.43 2,239.89 188.78 31,856.99
JK Bank 684.45 3,318.06 2,988.12 409.84 37,693.26
Karur Vysya 462.50 2,495.51 1,446.09 235.84 17,060.75


4.2 HUMAN RESOURCES
SENIOR MANAGEMENT
YES BANK Expands Senior Management Team14-Jun-2004
YES BANK Expands Senior Management Team:
Mr. B. Chandramouli joins as Chief Operating Officer ,
Mr. P. Kumar joins as Head-Business Services
YES BANK, a new Greenfield and professionally promoted, entrepreneurial venture in the Indian banking industry, has expanded its senior management team with the appointment of two senior banking professionals- Mr. B Chandramouli as Chief Operating Officer and Mr. P. Kumar as Head of Business Services.

As Chief Operating Officer of YES BANK, Mr. Chandramouli will oversee the development and delivery of high quality, cost-efficient systems and processes both for Product Development (Retail, Trade Finance and Payments Management), as well as for efficiently managing Branch Operations.

A veteran banking professional with over two decades of hands-on experience and a demonstrated successful track record in multifarious segments of Business Development and Operations, Mr. Chandramouli joins YES BANK from HDFC Bank where he was the Country Head for Service Delivery & Branch Processes and earlier, Regional Business Manager
South, responsible for managing branches, employees, customers and corporate and retail customers.

Mr. P Kumar, as Head-Business Services, will institute and manage the critical back office operations and business processes for YES BANK. A specialist in innovating and delivering technology-enabled business solutions, Mr. P Kumar brings a remarkable, rare combination of high business acumen with sound technical knowledge and a demonstrated successful track record of setting up of Operation Processes for New Products/Business and integration of systems and several outsourcing functions. Prior to joining YES Bank, Mr. P Kumar headed the Business Solutions Group at HDFC Bank, catering to retail, wholesale, middle market and credit card business segments and was responsible for establishing Centralized Operations for the bank. He was also closely involved in developing the framework and implementation of the Real Time Gross Settlement system.

Announcing these appointments, Mr. Rana Kapoor, Managing Director and CEO, YES BANK, said �At YES BANK, we are building an organization that thrives on innovation and ingenuity. Both Chandramouli and Kumar have outstanding credentials and the entrepreneurial spirit of building excellence, particularly in delivery systems and processes through innovations in technology.

TRAINING AND DEVELOPMENT
• Soft Skills
• Leadership
• Influencing
• Communications – Verbal and Written
• Marketing and Sales
• Conflict Management
• Business Domains
• Accounting and Cost Accounting

STAFF STRENGTH
• Total employee strength stood at 2,161 as on December 31, 2006 (443 as on December 31, 2005).
• YES BANK has 29 fully operational branches as at January 22, 2007, compared to 22 as at September
• Mumbai: Yes Bank Ltd has shown the door to 392 employees from its sales team for non-performance.
• Primarily because of these cuts, which happened in the first quarter of this year, Yes Bank’s total employee strength stands at 3,150, down from 3,542 as on 31 December.
RECRUITMENT
Requirements for Yes Bank Branch Business Leader Recruitment :
• Should be a Local to the State where Branch is situated.
• Should be having strong experience in Banking Operations Domain
• Should have done branch managerial or a senior branch banking role before
• High sales orientation/ relationship skills
• Experience in Wealth products Sales highly desirable
• Should have handled revenue and profit responsibility
• Good Communication
• Suitable stature and profile to handle important independent assignments
• Preferably from banking background
• MBA
• Team Leadership skills
• Local flavour critical

4.3 FINANCE



Key Financial Ratios of Yes Bank ------------------- in Rs. Cr. -------------------
Mar '05 Mar '06 Mar '07 Mar '08 Mar '09

Investment Valuation Ratios
Face Value 10.00 10.00 10.00 10.00 10.00
Dividend Per Share -- -- -- -- --
Operating Profit Per Share (Rs) -0.16 3.38 4.82 9.43 16.37
Net Operating Profit Per Share (Rs) 2.37 10.51 26.31 53.78 81.62
Free Reserves Per Share (Rs) 0.85 10.70 16.66 31.18 36.47
Bonus in Equity Capital -- -- -- -- --
Profitability Ratios
Interest Spread 2.09 2.96 2.63 3.31 4.12
Adjusted Cash Margin(%) -5.17 21.04 13.48 13.16 13.59
Net Profit Margin -7.80 19.08 12.06 12.01 12.35
Return on Long Term Fund(%) 2.91 33.03 71.98 97.09 120.56
Return on Net Worth(%) -1.73 14.01 13.88 15.16 18.70
Adjusted Return on Net Worth(%) -1.72 9.66 11.99 15.16 18.71
Return on Assets Excluding Revaluations -0.29 1.33 0.85 1.18 1.33
Return on Assets Including Revaluations -0.29 1.33 0.85 1.18 1.33
Management Efficiency Ratios
Interest Income / Total Funds 3.71 10.43 9.65 11.33 12.16
Net Interest Income / Total Funds 2.78 6.58 4.20 4.39 4.67
Non Interest Income / Total Funds 0.06 0.23 0.60 0.53 0.17
Interest Expended / Total Funds 0.93 3.85 5.45 6.94 7.48
Operating Expense / Total Funds 3.03 3.23 2.43 2.40 2.23
Profit Before Provisions / Total Funds -0.28 3.37 2.22 2.38 2.46
Net Profit / Total Funds -0.29 2.03 1.24 1.42 1.52
Loans Turnover 0.06 0.18 0.17 0.20 0.22
Total Income / Capital Employed(%) 3.77 10.66 10.25 11.86 12.33
Interest Expended / Capital Employed(%) 0.93 3.85 5.45 6.94 7.48
Total Assets Turnover Ratios 0.04 0.10 0.10 0.11 0.12
Asset Turnover Ratio 2.69 7.83 8.50 11.96 12.44
Profit And Loss Account Ratios
Interest Expended / Interest Earned 39.52 55.06 70.84 74.31 74.48
Other Income / Total Income 1.62 2.12 5.81 4.48 1.40
Operating Expense / Total Income 80.34 30.28 23.72 20.28 18.12
Selling Distribution Cost Composition 5.23 0.62 0.36 0.10 0.06
Balance Sheet Ratios
Capital Adequacy Ratio 18.81 16.43 13.60 13.60 16.60
Advances / Loans Funds(%) 73.68 109.22 100.94 80.78 76.05
Debt Coverage Ratios
Credit Deposit Ratio 114.77 88.66 78.13 73.14 74.16
Investment Deposit Ratio 59.55 48.83 39.74 38.00 41.47
Cash Deposit Ratio 6.23 3.62 4.29 6.28 7.60
Total Debt to Owners Fund 3.06 5.08 10.44 10.06 9.96
Financial Charges Coverage Ratio 0.80 1.93 1.43 1.36 1.35
Financial Charges Coverage Ratio Post Tax 0.79 1.58 1.25 1.23 1.22
Leverage Ratios
Current Ratio 0.07 0.05 0.04 0.05 0.07
Quick Ratio 30.00 12.34 5.74 7.92 5.14
Cash Flow Indicator Ratios
Dividend Payout Ratio Net Profit -- -- -- -- --
Dividend Payout Ratio Cash Profit -- -- -- -- --
Earning Retention Ratio -- 100.00 100.00 100.00 100.00
Cash Earning Retention Ratio -- 100.00 100.00 100.00 100.00
AdjustedCash Flow Times -- 47.70 77.96 60.54 48.40


Mar '05 Mar '06 Mar '07 Mar '08 Mar '09

Earnings Per Share -0.19 2.05 3.37 6.76 10.23
Book Value 10.85 21.21 28.11 44.59 54.69

4.4 ORGANIZATIONAL STRUCTURE
YES BANK is having a wide span structure with a decentralized model. The organization is having a Board of Directors and a control committee. The organization is divided into different section as per the banking services. The list of services provided by YES bank is –
Corporate & Institutional Banking
Commercial Banking
Small Business Banking
Credit Risk, Business Banking
Cash Management & Direct Banking
International Banking
Investment Banking
Corporate Finance and Development Banking
Retail Banking & Wealth Management - Operations
Food & Agribusiness Strategic Advisory and Research (FASAR)
Responsible Banking
Sustainable Investment Banking

Based upon the services various departmental units are formed, which are responsible for conducting all the operations of that type. These units are headed by the basic departments of the organization e.g. Marketing, Sales (Financial Market), HR, International Banking etc.
Below is the list of Board of Directors and the Key Managerial staff of YES BANK.

HIERARCHICAL STRUCTURE IN DIAGRAM:

The above diagram shows the hierarchy of YES BANK ltd. It can be easily depicted from the diagram that the regional head (presently Mr. Rana Kapoor) is the supreme in the eastern region, under whom the various zonal heads operate and under these zonal heads, the branch heads operate. Between each level o the hierarchy, there exists a coordinator, who acts as the facilitator between the different heads.



4.5 CUSTOMER
Benefits To Customers
It has been our constant endeavor to offer cutting-edge solutions thus benefiting our customers on various fronts including:
• Enhanced Liquidity
Liquidity for the corporate is enhanced by reduction in the Day Sales Outstanding (DSO)
• Reduced Commercial/settlement risk
Risk associated with the transactions are greatly reduced by providing timely and accurate information
• Improved returns
Optimal returns on surplus funds are ensured by providing liquidity and investment services.
• Superior Cash Projections
Better reconciliation of accounts backed by customized MIS is offered which leads to better cash flow projections
Customer Segmentation
 Large Corporates with more than INR 10 billion turnover, Government companies and PSUs, Financial Institutions and Banks, select multinational corporations
 Emerging mid-Corporates of India with turnover between INR 1.0 billion and INR 10 billion
 Typical exposure in the range of INR 300-1000 mn



5.1 COMPARISON OF THE P&L ACCOUNT WITH OTHER COMPETITORS BANK
Profit & Loss account ------------------- in Rs. Cr. -------------------
Yes Bank ICICI Bank HDFC Bank Axis Bank Kotak Mahindra

Mar '09 Mar '09 Mar '09 Mar '09 Mar '09

Income
Interest Earned 2,003.32 31,092.55 16,332.26 10,835.49 3,065.14
Other Income 435.02 8,117.76 3,470.63 2,896.88 157.56
Total Income 2,438.34 39,210.31 19,802.89 13,732.37 3,222.70
Expenditure
Interest expended 1,492.14 22,725.93 8,911.10 7,149.27 1,546.60
Employee Cost 218.02 1,971.70 2,238.20 997.66 583.63
Selling and Admin Expenses 125.49 5,977.72 2,851.26 1,562.11 546.95
Depreciation 30.10 678.60 359.91 188.67 69.56
Miscellaneous Expenses 268.75 4,098.22 3,197.49 2,019.29 199.88
Preoperative Exp Capitalised 0.00 0.00 0.00 0.00 0.00
Operating Expenses 475.61 10,795.14 7,290.66 3,590.42 1,333.61
Provisions & Contingencies 166.75 1,931.10 1,356.20 1,177.31 66.41
Total Expenses 2,134.50 35,452.17 17,557.96 11,917.00 2,946.62

Yes Bank ICICI Bank HDFC Bank Axis Bank Kotak Mahindra

Mar '09 Mar '09 Mar '09 Mar '09 Mar '09

Net Profit for the Year 303.84 3,758.13 2,244.94 1,815.36 276.10
Extraordionary Items 0.00 -0.58 -0.59 0.00 0.00
Profit brought forward 245.08 2,436.32 2,574.63 1,553.87 528.17
Total 548.92 6,193.87 4,818.98 3,369.23 804.27
Preference Dividend 0.00 0.00 0.00 0.00 0.00
Equity Dividend 0.00 1,224.58 425.38 420.52 25.96
Corporate Dividend Tax 0.00 151.21 72.29 0.00 1.86
Per share data (annualized)
Earning Per Share (Rs) 10.23 33.78 52.77 50.57 7.99
Equity Dividend (%) 0.00 110.00 100.00 100.00 7.50
Book Value (Rs) 54.69 445.17 344.44 284.50 112.98
Appropriations
Transfer to Statutory Reserves 143.15 2,008.42 641.25 600.62 113.70
Transfer to Other Reserves 0.00 0.01 224.50 0.00 13.80
Proposed Dividend/Transfer to Govt 0.00 1,375.79 497.67 420.52 27.82
Balance c/f to Balance Sheet 405.78 2,809.65 3,455.57 2,348.09 648.94
Total 548.93 6,193.87 4,818.99 3,369.23 804.26

5.2 ENVIRONMENT
Environmental and Social considerations are increasingly becoming a measure of a company’s performance. These issues are impacting financial bottom lines, long term brand value, risk profiles, competitiveness and business sustainability. Given this scenario, it is necessary to evolve appropriate standards that provide a benchmark for company assessment and performance.

Social and environmental opportunities form an integral part of good business. Socially and environmentally responsible businesses can enhance clients’ competitive advantage and create value for all parties involved. The Environment and Social Policy (hereinafter also referred to as “ESP” or “the Policy”) will enable YES BANK to develop processes to recognize, evaluate, and to the highest degree possible, monitor, the environmental and social facets of banking operations and stakeholders. Here, the overarching objective is to align Environmental and Social approaches of the Bank with those of its customers to synergistically promote sustainable banking relationships.

The policy also reinforces the Bank’s commitment to sound sustainability practices of which, “environmental” and “social” initiatives and projects are an integral element. As a New Age Bank, we are cognizant of practices followed by other Banking / Financial Institutions and have bench-marked our policy against International Finance Corporation/The World Bank Group, National Environment Policy, Standard Chartered, IDFC Ltd, Latin American Bank, European Bank, ILO and Asian Development Bank and international agencies like International Labour Organization (ILO). That said, YES BANK strives to be the front running Indian financial institution in this space.

The word “Environment” as used in this Policy and as defined in its broadest sense refers to the natural habitat, including air, water, land, natural resources, ecosystems, flora, fauna and biodiversity. As a corollary to the word “environment”, “environmental impacts” denote direct and indirect impacts, in the main, manmade interventions, decisions and activities that have an adverse impact on the natural habitat. Indirect impacts refer to “ripple effects” caused by being party to activities or interventions that may have a detrimental impact on the environment. This may also include any negative impact on environment due to project financing
For the purpose of this policy environmental considerations include:

• Pollution (Air, Water, Land, Noise)

• Land use, groundwater table, degradation and its contamination

• Waste generation and disposal

• Natural Resource depletion

• Energy use and its Efficiency

• Mining

• Climate Change

• Ozone Impacts and Depletion

• Deforestation

• Habitat and Biodiversity



STRENGTHS:-
1. Brand Name:
The biggest strength is the tag of YES Bank is going to be the largest group of MNC’s.
2. Compatible Price:
Prices of different schemes of YES Bank are much more compatible than others.
3. Diversified Schemes:
We have diversified schemes, which is an exception case of YES Bank.
4. Less Risk:
Our debt schemes are 100% free form market risk. Even as our portfolio is that diversified so equities are also less risky than others.
5. Easy procedures for account opening too:
We have an easy system for opening the account as it includes investment & being named as saving account for the costumer future benefits.
6. Debit cum ATM card facility:
The main advantage of YES Bank’s Debit cum ATM card is that you can access this card through any VISA supported ATM’s & withdraw your amount, without any single charge to be paid.

WEAKNESS:-
1 Prone to Market Risk:
Mutual Funds depend on overall macro economic condition and market scenario.

2 Tough Competitions:
There is a very tough competition because of large number of Asset Management Companies.

OPPORTUNITIES:-

1 Hoarding:
Most of the Indians have black money that too in huge amount i.e. the do not have money in banks, so approaching them is beneficial, so that through the opening of this account they can make further investment.
2 Indian Capital Market is Growing:
So more & more new investors are interested in investments.
3 Tailor Made Products:
We have tailor made products like sector specified schemes & even diversified schemes.
4 Branch Expansion:
Large no. of branches are opening day by day and even we are trapping the countries having almost same type of socio-economic condition & even same culture etc.

THREATS:-
1 Tough Competition:
As there are so many banks having almost same kind of schemes, so it’s tough to compete with.

2 Unawareness:
Majority of population is not aware of YES Bank brand name and even because of other banking facilities which are much cheaper than YES Bank’s services, so it’s hard to convince people.

3 Changing Scenario:
Our market scenario is changing day-by-day i.e. our market is fluctuating, so this makes investor hard to invest.

PART-B
PROJECT REPORT ON “INVESTMENT & WEALTH MANAGEMENT A PORTFOLIO ANALYSIS”

EXECUTIVE SUMMARY
In few years Mutual Fund has emerged as a tool for ensuring one’s financial well being. Mutual Funds have not only contributed to the India growth story but have also helped families tap into the success of Indian Industry. As information and awareness is rising more and more people are enjoying the benefits of investing in mutual funds. The main reason the number of retail mutual fund investors remains small is that nine in ten people with incomes in India do not know that mutual funds exist. But once people are aware of mutual fund investment opportunities, the number who decide to invest in mutual funds increases to as many as one in five people. The trick for converting a person with no knowledge of mutual funds to a new Mutual Fund customer is to understand which of the potential investors are more likely to buy mutual funds and to use the right arguments in the sales process that customers will accept as important and relevant to their decision.
This Project gave me a great learning experience and at the same time it gave me enough scope to implement my analytical ability. The analysis and advice presented in this Project Report is based on market research on the saving and investment practices of the investors and preferences of the investors for investment in Mutual Funds. This Report will help to know about the investors’ Preferences in Mutual Fund means Are they prefer any particular Asset Management Company (AMC), Which type of Product they prefer, Which Option (Growth or Dividend) they prefer or Which Investment Strategy they follow (Systematic Investment Plan or One time Plan). This Project as a whole can be divided into two parts.
The first part gives an insight about Wealth Management and its various aspects, the Company Profile, Vision, Mission, Branch Network, Marketing, Human Resource, Finance Competitor & Environmental Analysis and Swot Analysis. One can have a brief knowledge about Wealth Management and its basics through the Project.
The second part of the Project consists of Introduction of Project Report ,Data and its analysis collected through survey done on 200 people. For the collection of Primary data I made a questionnaire and surveyed of 200 people. I also taken interview of many People those who were coming at the YES BANK where I done my Project. I visited other AMCs in Ahmadabad to get some knowledge related to my topic. I studied about the products and strategies of other AMCs in Ahmadabad to know why people prefer to invest in those AMCs. This Project covers the topic “INVESTMENT & WEALTH MANAGEMENT A PORTFOLIO ANALYSIS.” The data collected has been well organized and presented. I hope the research findings and conclusion will be of use.



1.1 PERSONAL FINANCIAL SERVICES (PFS)
YES Bank India offers a wide range of competitively priced services & products to over 1.75 million individual resident Indians as well Non-resident Indian customers across India, USA, UK, and Middle East & South East Asia. YES Bank’s 150 year presence in India allows it to enjoy the advantage of deep rooted knowledge of local markets & customs. This has lead to development of products & services, which are attuned to the financial needs of Indians in the cities where YES Bank operatives. The YES Bank brand is associated with core values such as transparency, trust & honesty. These factors enable YES Bank India to remain highly competitive & at the leading edge of the retail & commercial banking market in the country.
The distribution network in India consists of 47 branches in 26 cities supported by 170 ATMs at 142 locations. In addition, self service banking channels, such as Internet Banking & a 24 hour centralized all India Call Centre provide a strong backbone to the distribution capabilities. A second load balancing Call Centre became operational in January 2005 at YES Bank Operations & Processing Enterprise (India) Private Limited, Chennai. Customers can apply for all products & services online at www.yesbank.co.in
The bank offers a complete suite of products & services including YES Bank Premier International, YES Bank Premier, Power Vantage, Savings & Current Accounts, International Debit Cards & Term Deposits in addition to consumer loan products like International Credit Cards, Mortgage, Personal Loans, Educational loans & Overdrafts. YES Bank is the 6th largest Credit Card issuer in India with over 1.3 million cards in force.
Premier & mid market customers have access to comprehensive Financial Planning & YES Bank is a market leader in the provision of Wealth Management services. In 2005, YES Bank was the largest distributor of Retail Mutual Funds in India, & the biggest sales channel for Banc assurance partner MNYL.
Non-Resident Indians (NRI’s) constitute 56% of the Bank’s deposit base. The banking a needs of NRIs are fulfilled from branches in India & 11 NRI centres abroad. We have over 84,000 NRI Customers, & have started referring customers to Financial Planning Managers & the Private Bank in the host countries, to address their needs for investment products. A free remittance service is offered between accounts held by NRIs with YES Bank overseas & onshore. In 2006, an International Banking Centre was established facilitate cross border business referrals.
In October 2005, YES Bank launched an onshore Private Banking proposition branded YES Bank Private Banking. The proposition targets clients with minimum assets of INR 25 M & encompasses asset classes such as Real Estate, Equity Derivatives & Commodities. This is an addition to Fixed Income & Equities, which are already being offered. The proposition uses “Active Advisory” as its cornerstone & key differentiator.

1.2 WEALTH MANAGEMENT
At YES BANK, we are committed to growing your wealth. Our handpicked team of experts understands your unique needs and ensures that you successfully achieve your financial goals.
We facilitate convenient access to a wide and continually expanding range of innovative wealth management products. At YES FIRST, we aspire to be your Money Doctors, providing you with effective solutions to ensure that your wealth prospers. Our 3-step Diagnostic-Prescriptive-Monitoring (DPM) process also provides a disciplined, scientific approach to ensure your wealth prospers.
• Our Approach to Wealth Management
The Diagnosis - Risk Profiling
We assess your investment goals and future requirements and also determine your propensity for risk. Thus providing you with options that are best suited for you.
• The Assessment - Investment Monitoring
With regular and timely updates, we keep you informed of the developments in your portfolio. This regular 'Wealth Check' helps you to assess portfolio performance on an ongoing basis.
• The Follow-ups - Portfolio Rebalancing
Keeping track of the latest market trends and information, our experts help you rebalance your portfolio. Ensuring that you maximize returns while minimizing potential risks.

1.3 CORPORATE AND INSTITUTIONAL BANKING
Our Corporate and Institutional Banking ('C&IB') team provides comprehensive financial and risk management solutions to the following categories of clients:
• Large Indian Corporates & Groups
• Multinational Companies
• Central & State Governments
• Government Bodies
• Public Sector Enterprises
Superior Delivery Platforms
We provide you with easy access to multiple technology-enabled channels, including corporate internet banking, mobile banking and phone banking, to help you manage your business better. Our partnerships with reputed technology service providers enable us to offer you customized, multi-product solutions.
The YES Experience
We believe we can make a significant difference to our clients' business by improving their financial and operational efficiency. Our Knowledge Bankers are supported by dedicated service managers and corporate service centers, to provide you with a truly rewarding banking experience.
1.4 INVESTMENT BANKING

Our Investment Banking group is involved in the identification, structuring and execution of transactions for our clients in diverse industries and geographies. Some of the typical transactions include mergers & acquisitions, divestitures, private equity syndication and IPO advisory.

At YES BANK, we seek to provide our clients with the widest possible range of opportunities including the Management of Equity, Capital Restructures of Advisory and Equity Capital transactions. We also offer a range of merchant banking and equity placement services.

Our unique knowledge based approach to banking enables us to provide a range of services designed to meet our clients’ specific needs. Thereby ensuring that we consistently deliver high quality advice and service to all our clients. This customer-centric approach allows us to offer a high level of customization to our clients, making us their preferred partners.

1.4.1 YES BANK FIXED DEPOSITS

YES BANK, understand your need for security and offer you flexible deposits. Thus providing you with greater earnings, with the flexibility of maintaining your funds in accessible units so you don't need to break the entire deposit.
Yes advantages
 Favourable interest earnings
 Withdraw your deposit in units as low as Re 1/-
 Easy funds withdrawal through our sweep-in facility
 Avail of overdrafts against your deposits at competitive rates, giving you complete funds liquidity
 Auto Renewal, ensuring that your Fixed Deposit will be rolled over for the existing period of the deposit, even if you forget to give instructions
 Tax Saver Deposits - (5 years tax free Fixed Deposit)
 Interest Rates for Fixed Deposits

 Interest Rates for Fixed Deposits
Rates applicable for General Category
Period Interest rates ( per annum)
Rates applicable from 18 Nov,09
Less than INR 15 lacs Annualized Yield
7 to14 Days 2.25% 2.25%
15 to 30 Days 2.50% 2.50%
31 to 45 Days 3.00% 3.00%
46 to 60 Days 3.50% 3.50%
61 to 90 Days 4.00% 4.00%
91 to 120 Days 4.50% 4.50%
121 Days to 180 Days 4.50% 4.50%
181 Days to 270 Days 6.00% 6.14%
271 Days to less than 1 Year 6.00% 6.14%
1 Year 6.50% 6.66%
1 Year 1 Day to 15 Months 6.50% 6.66%
15 Months 1 Day to 18 Months 6.50% 6.66%
18 Months 1 Day to 2 Years 7.10% 7.29%
2 Years 1 Day to 3 Years 7.10% 7.29%
3 Years 1 Day to 5 Years 7.00% 7.19%
Greater than 5 Years 7.00% 7.19%

Interest rates ( per annum)
Rates applicable from 18 Nov,09
Less than INR 15 lacs Annualized Yield
7 to14 Days 2.75% 2.75%
15 to 30 Days 3.00% 3.00%
31 to 45 Days 3.50% 3.50%
46 to 60 Days 4.00% 4.00%
61 to 90 Days 4.50% 4.50%
91 to 120 Days 5.00% 5.00%
121 Days to 180 Days 5.00% 5.00%
181 Days to 270 Days 6.50% 6.66%
271 Days to less than 1 Year 6.50% 6.66%
1 Year 7.00% 7.19%
1 Year 1 Day to 15 Months 7.00% 7.19%
15 Months 1 Day to 18 Months 7.00% 7.19%
18 Months 1 Day to 2 Years 7.60% 7.82%
2 Years 1 Day to 3 Years 7.60% 7.82%
3 Years 1 Day to 5 Years 7.50% 7.71%
Greater than 5 Years 7.50% 7.71%

Note:
 Please contact our nearest Branch for Interest Rates for values equal or above Rs. 15 lacs
 Rates for monthly interest payout will be discounted based on the prevailing rates
 No penal charges on pre-mature withdrawal, however the rate applicable will be lower of:
o The original rate at which the deposit has been booked or
o The rate applicable for the tenure for which the deposit has been in force with the Bank.
 Your interest is calculated on a quarterly basis for deposits of over 6 months. For those deposits with a tenure of 6 months and below, the interest is calculated at maturity as Simple Interest.

1.4.2 MUTUAL FUNDS

A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. The money thus collected is invested by the fund manager in different types of securities depending upon the objective of the scheme. The income earned through these investments and the capital appreciation realized by the scheme is shared by its unit holders in proportion to the number of units owned by them (pro rata). Thus a Mutual Fund is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed portfolio at a relatively low cost. Anybody with an inventible surplus of as little as a few thousand rupees can invest in Mutual Funds. Each Mutual Fund scheme has a defined investment objective and strategy.
A Mutual Fund is the ideal investment vehicle for today’s complex and modern financial scenario. Markets for equity shares, bonds and other fixed income instruments, real estate, derivatives and other assets have become mature and information driven. Price changes in these assets are driven by global events occurring in faraway places. A typical individual is unlikely to have the knowledge, skills, inclination and time to keep track of events, understand their implications and act speedily. An individual also finds it difficult to keep track of ownership of his assets, investments, brokerage dues and bank transactions etc.
A Mutual Fund is the answer to all these situations. It appoints professionally qualified and experienced staff that manages each of these functions on a full time basis. The large pool of money collected in the fund allows it to hire such staff at a very low cost to each investor. In effect, the Mutual Fund vehicle exploits economies of scale in all three areas - research, investments and transaction processing. While the concept of individuals coming together to invest money collectively is not new, the Mutual Fund in its present form is a 20th century phenomenon. In fact, Mutual Funds gained popularity only after the Second World War. Globally, there are thousands of firms offering tens of thousands of Mutual Funds with different investment objectives. Today, Mutual Funds collectively manage almost as much as or more money as compared to banks.

ADVANTAGES OF MUTUAL FUND
Mutual Funds serve as a link between the saving public and the capital markets. They mobilize savings from the investors and bring them to borrowers in the capital markets. Today Mutual Funds are fast emerging as the favorite investment vehicle because of the many advantages they have over other forms and avenues of investing. The major advantages offered by Mutual Funds to all investors are:

 Professional Management
Mutual Funds provide the services of experienced and skilled professionals, backed by a dedicated investment research team that analyses the performance and prospects of companies and selects suitable investments to achieve the objectives of the scheme.
 Diversification
Mutual Funds invest in a number of companies across a broad cross-section of industries and sectors. This diversification reduces the risk because seldom do all stocks decline at the same time and in the same proportion. You achieve this diversification through a Mutual Fund with far less money than you can do on your own.
 Return Potential
Over a medium to long-term, Mutual Funds have the potential to provide a higher return as they invest in a diversified basket of selected securities.
 Low Cost
Mutual Funds are a relatively less expensive way to invest compared to directly investing in the capital markets because the benefits of scale in brokerage, custodial and other fees translate into lower costs for investors.
 Liquidity
In open-end schemes, the investor gets the money back promptly at net asset value related prices from the Mutual Fund. In closed-end schemes, the units can be sold on a stock exchange at the prevailing market price or the investor can avail of the facility of direct repurchase at NAV related prices by the Mutual Fund.

 Flexibility
Through features such as regular investment plans, regular withdrawal plans and dividend reinvestment plans, you can systematically invest or withdraw funds according to your needs and convenience.
 Affordability
Investors individually may lack sufficient funds to invest in high-grade stock. A Mutual Fund because of its large corpus allows even a small investor to take the benefit of its investment strategy.
 Well Regulated
All Mutual Funds are registered with SEBI and they function within the provision of strict regulations designed to protect the interests of investors. The operations of Mutual Funds are regularly monitored by SEBI.

MUTUAL FUND OPERATION FLOW CHART




ORGANIZATION OF MUTUAL FUND

1.4.3 SYSTEMATIC INVESTMENT PLAN (SIP)

What is SIP?
An SIP is a regular investment plan for purchasing units of a mutual fund scheme. Offered by mutual funds to help you save regularly. When investing in mutual funds, you would normally identify a scheme & invest a predetermined amount in it at its prevailing net asset value (NAV). If you invest a sum of Rs.10,000 at an NAV of Rs.10, you will receive 1,000 units. The timings of your investment in such a case may turn out to be favorable or unfavorable.
Under SIP, however, your investment is staggered over a period. Instead of investing Rs.10,000 at one go, you might consider investing specified amounts in a scheme at pr-specified intervals. For instance, you could spread out the Rs.10,000 investments over 10 months, with Rs.1,000 being invested each month. The number of units that accrue to you on each periodic investment would depend on the NAV of the scheme prevailing at the time of your purchase. By doing this, you would have done away with the need to time the market. SIP’s also in calculate some much needed discipline into your investing habits. .
It is just like a recurring deposit with the post office or bank where you put in every month. The difference here is that the amount is invested in a mutual fund.
The minimum amount to be invested can be as small as Rs.500 & the frequent investment is usually monthly or quarterly.
How an SIP works?
An SIP allows you to take part in the stock market without trying to second guess movements.
An SIP means you to commit yourself to investing a fixed amount every month.
Let Rs.1000 When the NAV is high, you will get fewer units. When it drops, you will get more

Date
NAV
Approx number of units you will get at Rs.1000
Jan 1 10 100
Feb 1 10.5 95.23
Mar 1 11 90.90
Apr 1 9.5 105.26
May 1 9 111.11
Jun 1 11.5 86.95

Within six months, you would have 5,894 units by investing just Rs.1000 every month.

How an SIP scores?
It makes you disciplined in your savings. Every month you are forced to keep assured amount. This could either be debited directly from your account or you could give mutual fund post-dated cheques. As you see above, it helps you make money over the long term. Since you get more when the NAV drops & fewer when it rises, the cost average out over time. So over all the ups & downs of the market without any drastic losses.
Also, a number of mutual funds do not charge an entry load if you opt for an SIP a percentage of the amount you are investing. & if you do not exit (sell your units a year of buying the units, you do not have to pay an exit load) (same as an entry load, except this is charged when you sell your units).
If, however, you do sell your units within a year, you would be charged an exit low pays to stay invested for the long-run.
The best way to enter a mutual fund is via an SIP. But to get the benefit of an SIP at least a three-year time frame is needed when you won’t touch your money.

1.4.4 INSURANCE

Insurance, in law and economies, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a potential loss, from one entity to another, in exchange for a premium. Insurer, in economics, is the company that sells the insurance. Insurance rate is a factor used to determine the amount, called the Premium, to be charged for a certain amount of insurance coverage. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

1. A large number of homogeneous exposure units. The vast majority of insurance policies are provided for individual members of very large classes. Automobile insurance, for example, covered about 175 million automobiles in the United States in 2004. The existence of a large number of homogeneous exposure units allows insurers to benefit from the so-called “law of large numbers,” which is effect states that as the number of exposure unit’s increases, the actual results are increasingly likely to become close to expected results. There are exceptions to this criterion. Lloyds of London is famous for insuring the life or health of actors, actresses and sports figures. Satellite Launch insurance covers events that are infrequent, large commercial property policies may insure exceptional properties for which there are no ‘homogeneous’ exposure units. Despite failing of this criterion, many exposures like these are generally considered to be insurable

a. Definite Loss. The event that gives rise to the loss that is subject to insurance should, at least in principle, take placed at a known time, in a known place, and from a known cause. The classic example is death of an insured on a life insurance policy. Fire, automobile accidents, and worker injuries may all easily meet this criterion. Other types of losses may only be definite in theory, Occupational disease, for instance, may involve prolonged exposure to injurious conditions where no specific time, place or cause is identifiable , Ideally, the time, place and cause of a loss should be clear enough that a reasonable person, with sufficient information, could objectively verify all three elements.
2. Accidental Loss. The event that constitute the trigger of a claim should be fortuitous, or at least outside the control of the beneficiary of the insurance. The loss should be ‘pure,’ in the sense that it results from an event for which there is only the opportunity for cost. Events that contain speculative elements, such as ordinary business risks, are generally not considered insurable.
3. Large Loss. The size of the loss must be meaningful from the perspective of the insured. Insurance Premiums need to cover both the expected cost of losses, plus the cost of issuing and administering the policy, adjusting losses, and supplying the capital needed to reasonable assure that the insurer will be able to pay claims. For small losses these latter costs may be several times the size of the expected cost of losses. There is little point in paying such costs unless the protection offered has real value to a buyer.
4. Affordable Premium. If the likelihood of an insured event is so high, or the cost of the event so large, that the resulting premium is large relative to the amount of protection offered, it is not likely that anyone will buy insurance, even if on offer. Further, as the accounting profession formally recognizes in financial accounting standards (See FAS 113 for example), the premium cannot be so large that there is not a reasonable chance of a significant loss to the insurer. If there is no such chance of loss, the transaction may have the form of insurance, but not the substance.
5. Calculable Loss. There are two elements that must be at least estimatable, if not formally calculable exercise, while cost has more to do with the ability of a reasonable presented under that policy to make a reasonably definite and objective of the amount of the loss recoverable as a result of the claim.
6. Limited risk of catastrophically large losses. The Essential risk is often aggregation. If the same event can cause losses to numerous policyholders of the same insurer, the ability of that insurer to issuer policies becomes constrained, not by factors surrounding the individual characteristics of a given policyholder, but by the factors surrounding the sum of all policyholders so exposed.


Typically, insurers prefer to limit their exposure to a loss from a single event to some small portion of their capital base, on the order of 5%. Where the loss can be aggregated, or an individual policy could produce exceptionally large claims, the capital constraint will restrict an insurer’s appetite for additional policyholders. The classic example is earthquake insurance, where the ability of an underwriter to issue a policy depends on the number and size of the policies that it has already underwritten. Wind insurance in hurricane zones, particularly along coast lines, is another example of this phenomenon. In extreme cases, the aggregation can affect the entire industry, since the combined capital of insurers and reinsures can be small compared to the needs of potential policyholders in areas exposed to aggregation risk. In commercial fire insurance it is possible to find single properties whose total exposed value is well in excess of any insurers, or are insured by a single insurer who syndicates the risk into the reinsurance market.

Insurer’s business model
Profit = earned premium + investment income - incurred loss - underwriting expenses.
Insurers make money in two ways: (1) through underwriting, the proce

Posted by Deputy manager Retail Bnaking, (2011-04-16 18:36:32)

I am attaching my resume with this mail. If any job suitable to me is there, i do like to apply for it. I have a banking experience about three years.Presently i am working in HDFC Bank imphal branch as Deputy Manager in retail banking.
Regards
Birjit Laikangbam
MOB 09856083655

CURRICULAM VITAE

ADDRESS: Nagamapal Kangjabi leirak ,Imphal,Manipur Pin no 795001 MOBILE NO:09856083655
e-mail: birjitlaikangbam@rediffmail.com

BIRJIT LAIKANGBAM
________________________________________________________________________

CAREER OBJECTIVE:
To get a challenging position in an aggressive organization that will give me an opportunity to use my skill in the development of the organization and give a chance to put my best efforts and learn more.

EDUCATIONAL QUALIFICATION:
Post Graduate(M.COM) from Manipur University in the year 2005.
Graduate (B.COM) from Manipur University in the year 2002.
10+2 from Council of higher secondary education Manipur,1998
10 from Board of secondary education Manipur,1996

PROFESSIONAL QUALIFICATION:
(i) Certificate course in accounting tally.
(ii) Certificate course in hardware and networking.

WORK EXPERIENCE:
(i) Currently working in HDFC Bank Pvt Ltd. Imphal Branch as deputy Manager Personal Banking from 20th Dec 2010 – till date
JOB PROFILE.
• To be the first point contact with the customer in the branch.
• Provide customer service and product information
• Distributing Product information
• Deliverables Custodian
• Balance Enquiries for walk-in customers
• Brief transaction query
• Balance Confirmation Certificates
• Obtain referrals from walk-in customers for Current account & Saving account and Demat
• Cross sell of direct banking channels to walk-in customers to deepen relationships
• Account Opening – Current account & Saving account/FD
• Collection of Foreign Currency Cheques
• Report Generation & filing
• Customer acquisition through sales to walk in customers, referrals from walk-ins for Current account & Saving account and Demat accounts.
• Deepening of existing Current account & saving account relationships.
• Cross-Sell all products & services
• Generation of referrals from internal database
• Stop payment
• Enhance the value of existing accounts of Current account & saving account customers. Retention of accounts.
(ii) Work as Assistant Manager (Sales) in Axis Bank Pvt Ltd, Imphal Branch from Oct 2008- 15 Dec 2010.
JOB PROFILE:
Dealing high value customer with excellence service.
Retaining existing customer.
Distributing Banking Product information
Achieving CASA target.
Updating and maintaining customer details.
Generating lead from existing customer.
New account opening formalities.
Cross selling of third party product L.I product, Mutual fund, General insurance etc.

(iii) Work as Sales Executive in Hindustant Pencil Pvt Ltd. in Imphal from June 2006 – Sep 2008
JOB PROFILE :
Marketing and Selling Hindustant Pencil Product.
Appointing new dealer.
Achieving company monthly target.
Distribution of the product at wide range.
Advertising new product of the company to public.
Reporting feedback of the product.

LANGUAGE PROFICIENCY :English, Hindi, Manipuri.

STRENGTH: Punctual, sincere and hardworking.

PERSONAL DETAILS:

NAME: Birjit laikangbam
FATHER”S NAME: Laikangbam Nabakumar
DATE OF BIRTH: 2nd March’1981
MARITAL STATUS: Single
NATIONALITY: Indian
SEX: male
HOBBIES: Writing poems,Interating with people.
PERMANENT ADDRESS: Nagamapal Kangjabi leirak Imphal
Manipur-795001

Date:
Place:Imphal (Birjit Laikangbam)

Posted by kedar nath yadav, (2011-04-13 15:03:31)

Hey i m kedar yadav n completede m.com from mumbai university as well completed CS Inter wants to go for internship of 18 mnths mobile no:9833599860
kedarsh4u@yahoo.co.in

Posted by ARUN, (2011-04-12 00:40:21)

DEAR SIR,
SIR, AS I MENTIONED IN SUBJECT LINE ABOUT MY QUALIFICATION AND WORK EX. I SPENT MY ALL TIME IN HARD CORE SELLING ON BEHALF OF CUSTOMER SATISFICTION. I HAVE DONE MY ALL JOBS IN BANKING SECTOR. IF THERE ARE ANY OPPERTUNITY FOR ME IN YOUR ORGANIZATION AND I AM FIT FOR THAT , KINDLY TELL ME.

REGARDS,
ARUN KUMAR PATHAK
CON. NO. 09389849998
E.MAIL:-ARUN_PATHAK86@REDIFFMAIL.COM
ITSMEARUN1986@GMAIL.COM

Posted by Gujarat, (2011-04-08 21:26:56)

Dear Sir/Madam,

I got to see the openings in your organization.I am hereby sending my resume to you.I am keen on joining YES Bank.Also I am looking for non sales profile for Gujarat location.

Any openings suiatable for me please help me reaching for it.

I am pasting my resume below.

Regards
Amish S Deshmukh
+91 98251 44464
-----------------------------------------------

Name: Amish Deshmukh
Address:3, Chitrkut Society,
Gandevi Road,
Luncykui, Navsari-396445
E-mail id: deshmukh363@gmail.com
Contact No:+9198251 44464

Name of Organization: Idea Cellular Limited.
Position held: Team Leader
Duration: 15th Nov, 2004 to 14/06/2010
Job Profile: Corporate Sales

• Corporate sales ( Navsari To Vapi (Vapi Corporate)
• Resolving customer service issue & giving end to end solution
• Customer retention.
• Sending DSR & all Kind of MIS to Circle Office.
• Maintaining MSL.
• Achieving sales target & reporting sales executive's Target
• Responsible for acquiring new clients.
• Acquiring client for Data cards & other value added service
• Maintaining Institutional & industries relationship.
• Collection & Revenue generation from Corporate A/c

Name of Organization: Bajaj Allianz Life Insurance Co. Ltd.
Position held: Sales Manager
Duration: 15st May 2010 to Till date
Job Profile:

• Recruiting IC ( Insurance Consultant) for Business
• Handling IC’s team & teach them with better knowledge.
• Achieving sales
• Responsible for acquiring new clients for Corporate sales

Posted by ashish, (2011-03-22 15:49:18)

Res. sir/ madam,
i am Aashish jain from jabalpur and i want to work with your esteem bank in sales profile.

here is my CV
RESUME

ASHISH JAIN

Permanent Address: H. No. 739/852,sneh nagar Colony, kamala Nehru ward, Jabalpur(M.P.) - 482002
Contact : +91 8878009483, 9300465965
Email : ashish2813@gmail.com

• Career Objective- a position in the corporate sector with major responsibilities that will effectively utilize my communication, leadership and organizational and operational skills.
• Personality Traits- Willing to learn, Good leadership skills, Display Initiative, Self-motivated, well organized, energetic, confidant, good team worker and customer oriented.
WORK EXPERIENCE
From may 2010-till date-
Presently working with SMC investment solutions as Senior Sales Manager at JABALPUR .
Area of exposure is-
• Handling sales team (Relationship managers)
• Achieve targets for company
• MIS reporting.
• Daily reporting of sales team.
• Selling of all types of insurance & Mutual funds product.


From july 2009-april2010
Worked with LIC Banccasurance channel as a FSE. The job involves -
Area of exposure is-
• Handled Day to day banking investment..
• Handled HNI customers of bank for investment
• Business Development.
• Build effective relationship with our customers through proactive and timely
• Selling Mutual funds, Insurance products
• Interfacing with client for understanding their requirement and cultivating relations with them for customer retention .

From june2008-To June 2009
worked with BAJAJ ALLIANZ LIFE INSURANCE CO. LTD as a BUSINESS DEVELOPMENT MANAGER in direct marketing channel .
From Jan 2008 – June 2008
Worked with ING VYSYA LIFE INSURANCE CO as a BDE.
From Jan 2007 – Jan2008.
Worked with IDBI BANK as a FC Jabalpur.
From Jan 2006 – Dec2006
Worked with ICICI Bank financial services as Financial consultant.

From Feb. 2005 – Dec2005
Worked with AIRTEL as a sales executive in new landline connection selling.

Achievement-
• Qualified for the certificate of Excellence life insurance new premium collection contest
Five times.
• Qualified for the “MAHALOGIN” - a life insurance new premium collection contest.
• Qualified for the “Mission Health ” - a life insurance contest. Certificate from Zonal retail head.

ACADEMIC QUALIFICATION

Bachelor of Commerce (Marketing) from Rani Durgavati University, Jabalpur.
Higher secondery from MP Board Bhopal (M.P.)
COMPUTER PROFICIENCY

Packages : MS-Office, DOS, Microsoft Windows Operating system

PERSONAL PROFILE

Fathers name Shri Anil Singhai
Date of Birth : 28th Jan1983
Hobbies : Reading, Traveling, Listening to music
Marital Status : Unmarried
Location Preferred : anywhere in Madhya Pradesh



REFERENCES

Available on request Ashish jain

Posted by Munish Saini, (2011-03-18 12:38:42)

Dear Sir
I am Munish Saini from Amritsar Looking for part time job of account opening in yes bank or any bank.

Posted by bhaskar, (2011-03-09 16:33:19)

Sir,
This is Bhaskar, have a Commerce Post Graduate and Computer skills.   My ambition is to get the job in Banking sector. I appeared Competitive exams and attend the 2 bank interviews. 1. B.S.R.B.   Maharashtra state 2. The Karur Vysya Bank Ltd. I unable to select these interviews. I have also bank experience in Godavari Grameena Bank (Regional Rural Bank, sponsored by Andhra Bank). Presently I am working NBFC - Shriram Transport Finance Co. Ltd. from August 2007. I would like join in your organisation. Depends upon my qualifications & experience please given me one opportunity in your bank. I am sending my C V for your consideration.  I am awaiting your mail.

Kindly receive the same do the needful.
Thanks & Regards.
Sincerely,
Bhaskar Kiran .K
Mobile : 9848507545

Posted by Shilpa, (2011-03-08 23:14:04)

Sir/Madam

Post graduate In Mba
working with Vijaya Bank from 3 yrs
Related exp: Branch Banking, Credit, Risk Management, Forex, casa......Exp in Core Banking Solutions "finnacle"

Looking for a change

if i fit in any related positions

mail id:shilpahegde2@gmail.com
ph no: 08025232733

Regards,
Shilpa Hegde

Posted by Anonymous Guest, (2011-03-05 12:03:48)

Sir,
I have comleted my MBA in sepecilization in finance & mionor in banking & financial services.i want to join your esteemed organisation.so plz inforned me if any opportunity related to my field.

Posted by shohe, (2011-03-04 09:48:20)

Dear Sir,
I had just completed my MBA in finance and HR and i would like to be part of Yes Bank. so please let me know how can i apply for the job.

phn no-9856170721

Posted by M L GUPTA, (2011-03-02 00:07:47)

RESPECTED SIR!
I AM MOHAN LAL GUPTA FROM ROORKEE. I HAVE JUST CUMPLETED PGDM FROM IDEAL BUSINESS SCHOOL, ROORKEE IN MARKETING AND HR.
THANK YOU

Posted by Anonymous Guest, (2011-02-24 19:42:10)

iam tajinder singh ..and iwant job in yes bank m.9996212008 is my cell no

Posted by Shilpa, (2011-02-18 16:59:22)

Dear Sir,
I had just completed my MBA in HR and i would like to be part of Yes Bank. so please let me know how can i apply for the same.

Mob no 9699138900

Posted by SACHINDRA SRIVASTAVA, (2011-01-31 11:17:35)

Dear sir,
I am sachindra srivastava currently working in the mahendra educational pvt. ltd. in lucknow(z.o) in account section from march 2010.I look for the job in yes bank lucknow branch.Plz call me if you thought i am eligible.My no. is 9235253407.
Thank you

Posted by rahul mudiraj, (2011-01-26 20:40:27)

Dear Sir /Mam
This is Rahul mudiraj, I had completed my B.com and had experience of 3 years of Exp in cash Management Securitas Ltd As a currency chest
I want to built my career in Banking Sector (Yes Bank).
Plz go through my resume.Rahul Chandrashekhar Mudiraj



Email:- rahulmudiraj@ymail.com Mb:-9021773724, 9960293734



PERSONAL INFORMATION



Gender: Male Marital Status : Unmarried

D.O.B. :12thSep.1985 Language Known : Marathi, Hindi, English

Permanent Address: Shastrinagar, Kothrud, Pune, Dist-Pune

Local Address: Shastrinagar, Kothrud, Pune.




CAREER OBJECTIVE

To obtain responsible and growth oriented position in account field in organization ,which will Strengthen my skill




EDUCATION QUALIFICATION

Education
College/School
University/Board
CLASS
Year of Passing

S.S.C.
K.B.M High School,Hingoli


Aurangabad


Second Class
2001

H.S.C


Adarsh College,Hingoli


Aurangabad






First Class




2004





B.Com
Adarsh College,Hingoli


SRTMU Nanded University




Distinction
2007





COMPUTER SKILL

· Operating System :-MS Office,

· Accounting packages. :- Tally 7.2




OTHER SKILL


Hard Work

Positive attitude






















EXPERIENCE SUMMARY



· N.K MUNDADA & COMPANY, (01/02/2007 to 15/09/2008)

(WORKING AS A ACCOUNTS ASSITANT)

1. JOURNAL ENTRIES,



2. VAT CALCULATION,



3. PETTY CASH,



4. BANK RECONCILIATION (BRS),



5. BANKING TRANSACTION.



· CMS SECURITAS LTD.(01/10/2008 to Till Date)

(WORKING AS A CURRENCY CHEST)

1. CASH COLLECTION,



2. CASH DEPOSIT,



3. Preparing CEMO,

4. Deducting a Fake Currency

5. MAINTAIN RECORD ON COMPUTER.

HOBBIE’S__________________________________________________________________________






· Listening music,



· Software Collection



· Interacting with Peoples.



· Helping nature if required any help comes under my service area.





















Date:- (RAHUL CHANDRASHEKHAR MUDIRAJ)

Posted by lina chaudhari, (2011-01-20 09:39:13)

LINA KISHORE CHAUDHARI
DARPALE (PALLI), NEAR PATIL WADI,
VASAI (WEST), DISTRICT – THANE
PIN CODE – 401 201
Email ID: linachaudhari@yahoo.co.in
Contact No: 0250-2301396/9637849259

CAREER OBJECTIVE: TO CONTRIBUTE IN ORGANISATIONAL GROWTH THROUGH INDIVIDUAL PERFORMANCE AND HENCE ACHIEVE EXCELLENCE

WORK EXPERIENCE: TEMPORARY CLERK WITH SHAMRAO VITHAL CO-OPERATIVE LIMITED FROM SEPTEMBER 2009 TO JULY 2010

JOB-PROFILE:

 CENTRALISED CLEARING PROCESS (CCP) DEPARTMENT
- INSTRUMENT MODFICATION

ACADEMIC QUALIFICATION: PURSUING M.COM - MUMBAI UNIVERSITY

B.COM 74.43 % (MUMBAI UNIVERSITY- 2009)

H.S.C 68.67 % (MAHARASHTRA STATE BOARD-2006)

S.S.C 60.80 % (MAHARASHTRA STATE BOARD- 2004)

ADDITIONAL QUALIFICATIONS:

1. MSCIT (2009): PASSED WITH 74%

2. TALLY – 7.2 : RAJ COMPUTERS WITH ‘A GRADE’



PERSONAL INFORMATION:

DATE OF BIRTH 29th SEPTEMBER, 1988

MARITIAL STATUS SINGLE

LANGUAGES KNOWN ENGLISH, HINDI, MARATHI



(LINA CHAUDHARI)

Posted by s.janani, (2011-01-08 18:32:29)

This is Janani. I have completed my B.com and currently pursuing my Mba in Finance in Madras university. I have 8 months experience in BPO with Dell.And currently working in Mahindra Finance with Fixed deposit and Mutual fund backoffice.If you have any opening pls to contact me through my mail id.

Posted by laxmidevi, (2011-01-04 14:44:46)

I have 5.5year experience in Loans that nbfc How to Apply for Join yes Bank

Posted by Rahul R. Sharma, (2011-01-01 16:41:41)

RAHUL SHARMA
Cell: 9823522000 9326374050
Email : rahulsharma1228@gmail.com
--------------------------------------------------------------------
Career Objective:

To carry out all responsibilities with best of my capabilities, utmost integrity, sincerity and perfection and while doing so, growing with the organization and learning newer and better ways of leading an organized and satisfied life. My strengths lie in my sincerity, flexibility to adapt my skills to the specific industry, my ability to learn quickly and deliver maximum value to the organization in the Key Result Areas.

Work Experiences:

Currently working with ICICI Bank Ltd., Akola AS SINCE 3rd SEP 2007:

The current job profile includes:

• Presenty working as verifier for cash, cms & clearing transactions
• ALSO WORKED AS CLEARING OFFICER which includes Handling Complete clearing processes (Outward & inward clearings), including special instruments viz. CMS,CBS etc.
• Sorting the collected instruments in categories
• Processing the clearing in Finacle & cash@will.
• Return marking of dishonored cheques, lodging & realization of OCC Instruments.
• ALSO WORKED AS CHIEF CASH OFFICER & PROFILE INCLUDES:
• Handling daily Receipt & payment transactions of Customers
• Maintenance of Daily cash balance register
• Keeping records of Cash received from ICMC & Cash Remittances to ICMC (Currency Chest)
• Filing mandatory reports Online
• Maintenance of cash given to Atm’s & cash dispensed from Every Atm on day-to-day basis.
• Also handling the general query desk
• Also promotion & sales of Fee products viz. Life Insurance, Mutual Funds, Gold. SIP & Current & Savings A/c etc
• Verification & scrutiny of A/c opening Forms, Kyc Documents & Account related modifications

Worked for M/s Karwa Interiors and M/s Inside & Outside as Accountant (Dec.2004 to Aug.2007):

During this tenure of last two & half years assigned with the accounting work for both the firms for which includes
Scrutiny of day-to-day transactions feeded by operators
Inventory Nomenclature
Inventory management & control
Preparation of VAT returns
Audit compliance

Worked with Adv. Rajni R. Bharani (Accountant & Tax Practioner) (March 2006 to Sep. 2006 on part time basis):

During the Tenure of Seven-Eight months worked on
Preparation of Account books of various professionals like Lawyers, Doctors, Nursing Homes, Contractors & Various Business concerns
Consulting the clients for their Tax planning.

Worked for M/s Veerba Glass Emporium, Amravati.(may 2002 to Aug 2004):

During This tenure of approximately three years worked on
Day to day feeding of accounting transactions including Reconciliation of parties & banks with finalization of accounts & Audit compliances
Preparation & filing of Sales tax returns

Worked as Article with Sarda Mundhda & Co. (Chartered Accountants) (Jan2001 to Sep 2002)

During this tenure of two & half years worked on
Internal & concurrent Audits of Banks & Finance Companies
Physical verification Audits of manufacturing units
Preparation of Project Reports

Worked as Article with R.P. Adatiya & Co. (Chartered Accountants) (July 1999 to Jan 2001):

During this tenure of one year worked on
Tax Audits, Statutory & Concurrent Bank Audits
Preparation & filing of Income tax & Sales tax returns
Preparation & filing of Municipal Cess Returns

Academic Qualifications:

Degree Yr. Of Passing Board/ Uni..
S.S.C. 1994 Amravati
H.S.C. 1996 Amravati
B.COM. 1999 Amravati
L.L.B. 2006 Amravati

Computer Proficiency :

Basic operating, Windows 98, Windows XP, DOS
MS Word, MS Excel, MS Powerpoint, MS Access & PageMaker
Tally 4.5, Tally5.4 & Tally7.2
Basic Computer Maintenance Vis. Formatting etc.
Internet: Surfing, Browsing etc.
Also Passed MSCIT from MKCL, Mumbai

Personal Information :

Name : RAHUL RAMRAJ SHARMA

Address : 2, Gaurav Nagar,
Inside Tapowan Gate,
Before Suraksha Colony,
Camp, Amravati- 444 602.

Date of Birth : 21st September 1979

Marital Status : Married

Languages Known : English, Hindi & Marathi.

Contact No. : 0721-3201228

Cell : 9823522000 & 9326374050

Place: AMRAVATI Yours Faithfully,

Date: 14/12/2010
___________
(Rahul R. Sharma)

Posted by Deepu singh, (2010-12-10 23:19:31)

Dear All,

I have the total work exp. of 4yrs in banking, Credit Card & Home loan, SME LAP.I am currently working with Standard Chartered Bank now i want to take change my organization.i am working here in the pos of CREDIT RISK CONTROL OFFICER.

Thanks & Regds,
Deepu singh
M# 9654469935

Posted by Ranjit Ingulkar, (2010-12-04 16:32:10)

I Have completed my graduation and post graduation and have been working in banking sector since 4 years and have a good knowledge of banking sector in operation and other works as well. I want an opportunity to prove my self and so I make a humble request to you to give me a chance to work with you.

Posted by ARIHANT JAIN, (2010-11-29 21:43:56)

hello sir/mam,
I am Arihant jain.I am doing PGDM(Finance) FROM JIMS Jaipur,it is my last trimester and i want to job in yes bank for my carrer growth because it is very attractive and growth prospective bank and if there is any opening in jaipur it will be better bt i can manage in all city.I am sending my resume.so sir/mam, please response me accordingly.My email id is arihantt.jainn@gmail.com

thank you

ARIHANT JAIN
09529222992

Posted by Supriya, (2010-11-17 13:10:12)

SUPRIYA NAIR
House # 2516, Sector-66, Mohali – 160062, Punjab
Cell# 9780042510

Professional Synopsis
 Presently associated with Tata-AIG Life Insurance Company Ltd. as Sr. Executive – Regional Processing Centre & handling 23 branches.
 A self-motivated team player with analytical, relationship management and problem solving skills.
 Possess strong communication and leadership skills with the ability to mentor, motivate the team members.
 Experienced at identifying areas of improvement and recommending process modifications to enhance operational efficiencies and risk reduction.
 Resourceful at maintaining excellent relations with corporate units and providing value added service, ensuring quality and service norms.
 A keen planner, strategist & implementer with demonstrated abilities in tapping clients and establishing channel partners to accomplish accelerated revenue growth.

TOTAL WORK EXPERIENCE: 11.8 YEARS

EXPERIENCE HISTORY

1. TATA AIG LIFE INSURANCE COMPANY LIMITED,
AT CHANDIGARH
Designation : Sr. Executive – Distribution Operations
Reported to : Mrs. Priyanka Sharma – Regional Processing Centre Manager
Department : Distribution Operations
Tenure : July 16, 2007 till date

AT MUMBAI
Designation : Secretary
Reported to : Sr. Vice President & Appointed Actuary - Mr. Heerak Basu
Department : Actuarial (Products & Pricing Division)
Tenure : January 02, 2003 – July 15, 2007 (Four & Half Years)

2. NUCLEUS SECURITIES LIMITED
Designation : Executive Secretary
Reported to : Chairman – Mr. Asit C. Mehta
Tenure : August 19, 2002 – December 31, 2003 (Four Months)

3. TATA AIG LIFE & GENERAL INSURANCE COMPANY LIMITED
Designation : Secretary
Reported to : Managing Director – Mr. Ian Watts
HR Director & Vice President - Mr. Vikram Tandon & Mr. Ashok Ramachandran
Tenure : June 27, 2002 – August 16, 2002 (Two Months)

4. THE HONGKONG & SHANGHAI BANKING CORPORATION LIMITED
Designation : Secretary
Reported to : Vice President - Global Payments & Cash Management – Mr. Arjun Bambawale
Department : Payments & Cash Management
Tenure : November 02, 2001 – January 25, 2002 (Three Months)

5. THOMAS COOK INDIA LIMITED
Designation : Stenographer
Reported to : Head of Legal & Company Secretary – Mr. R. R. Kenkare
Department : Legal & Secretarial Department
Tenure : June 27, 2000 – November 30, 2000 (Five Months)

6. CHAITRA LEO BURNETT
Designation : Secretary-Cum-Co-ordinator
Reported to : Creative Services Manager – Mr. Dinkar Hande
Department : Clients Servicing Division
Tenure : May 25, 1998 – June 16, 2000 (Two Years)

7. PFIZER INDIA LIMITED
Designation : Steno-Secretary-Internship Trainee
Reported to : Sales Manager/Commercial Manager/Technical Manager
Dr. R. Sadhu/Dr. M. L. Kanchan/ Dr. A. B. Reddy
Department : Animal Health Division
Tenure : June 2, 1997 - May 08, 1998 (Eleven Months)

AT TATA AIG- JOB PROFILE AS SENIOR EXECUTIVE - REGIONAL PROCESSING CENTRE
 Handling Distribution Operations Activities as Regional Coordinator (RPC) for Entire Punjab, Himachal, Chandigarh and Ambala.
 Monitoring 23 Branches for handling the following activities.
o Screening on New Agent Application Form, communicating pending, Quality Checking, and flashing relevant MIS to branches for closure of such pending.
o Coordinating with Head Office for generation of URN and for smooth clean processing of New Agent Application Form followed by Licensing.
o Downloading of new processes/circulars to the entire region on Regular basis.
o Ensuring NAAF processing, URN Generation, Training & Exam scheduling, Licensing, Agent change request within the TAT.
o Maintaining various trackers and records
o Publishing periodic MIS to branches regarding all new processes, changes and data analysis.
o Processing of Leadership/Franchisee Formalities followed by code generation.
o Management of Stationary Indenting and Distribution.
o Resolving queries of branches attached to RPC through company based various systems.

JOB PROFILE AS A SENIOR EXECUTIVE – DISTRIBUTION OPERATIONS
 Pre-licencing process – Processing Agent applications, fresh/composite/transfer cases - Application Scrutiny, system entry, Allocation for Online & Offline Training & Examination, Exam Hall ticket management
 Post-Licencing Process – Preparing licence kits for Newly Licenced Agents, Visiting Cards, etc.
 Processing Provisional Business Associate /Business Associate /Business Service Partner Coding
 Processing Agent Renewals & reinstatement, NOC/Resignation cases, etc.
 Handling Agents Commission Cheques, Stamp Paper, Licences, Stationery, Bank Account updation and various Change Requests
 Maintaining various Register & Tracker - Stamp Paper, Licence, Agent Application, Commission Cheques, Renewals, Reinstatement, NOC, Visiting Card, etc.
 Regional Co-ordinator for Monthly Stamp paper reconciliation, One Point Contact for Punjab region & Cluster Co-ordinator for various communication & DOPS training.
 Part of the Operations Training Forum which includes conducting Distribution Operation trainings for all employees of Operations.
 Handling DOPS Hub function for 10 branches including various second level checkings of NAAFs, PBA, BSP and RAAF.
 Contributing for Renewal year Premium through calling all HNI/NON-HNI customers and retaining customer portfolio.

JOB PROFILE AS A SECRETARY
 Attending Visitors, Maintaining Records and Data Base, Providing Secretarial Support to the Department Head, performing the routine secretarial functions;
 General follow-ups of action points, Self Correspondence & Tracking responses;
 Co-ordination with Clients & In-House, Actioning Jobs, Handling bills & reimbursements;
 Organising Annual Group Offsite meets, various Strategic meets, etc.;
 Helping the team in filing products with IRDA & helping prepare reinsurance treaties;
 Planning & attending Weekly team meetings, preparing minutes & circulating it to the team;
 Scheduling appointments & client meetings in co-ordination with the Department Head;
 Planning & Organising domestic & international travel (tickets, visas, hotel accommodation, forex, etc);
 Arranging for Expatriates’ Work Permit & other formalities;
 Co-ordinating various joining formalities for newcomers with respective departments
 Settling various bills & payments
 Sending Circulars to VSOs/ Regional Officers, Checking Expense Reports of VSOs;
 Preparing Purchase Orders/ Quotations/ Payouts/ Payments, Handling bills & reimbursements, Preparing various reports viz. Job Cost Report/ Vendor Master Report;
 Preparing Notices, Agenda, Minutes, Arranging other Meetings viz. Shareholders Transfer Meeting/ Board Meeting, Bonus Committee Meeting and Extra Ordinary General Meeting;


PERSONAL DETAILS

Date of Birth : June 03, 1980

Marital Status : Married

LANGUAGE PROFICIENCY
Fluent with English, Hindi, Marathi & Malayalam

QUALIFICATIONS

 ACADEMIC

EXAM INSTITUTE UNIVERSITY MONTH/YEAR
B’Com Centre for Distance Education SNDT University March 2001

 PROFESSIONAL

EXAM INSTITUTE/ UNIVERSITY MONTH/YEAR
Diploma in Commercial & Secretarial Practices Premlila Vithaldas Polytechnic, SNDT University May 1997
PG Diploma in Business Administration Annamalai University May 2010

 COMPUTER PROFICIENCY
Conversant with Ms Office & Internet

ACHIEVEMENTS & EXTRA CURRICULAR ACTIVITIES
 Received the “Best Team Player” Award at the TATA AIG Life Golden Oscar Award - 2006
 I Prize winner of Collarge Competition on TALIC Independence Day Celebration, 2005
 I Prize winner of Rangoli Competition on TALIC Diwali Celebration, 2005
 I Prize winner of Group Dance Competition on TALIC Annual Party, 2005
 II Prize winner of Play/Skit Competition on TALIC Independence Day Celebration, 2006
 Organising Member of the TALIC WOW Organising Committee, 2006 for the Powai Office
 Member of the TALIC WOW Organising Committee, 2005 & Organiser for the Powai Office
 Member of the TALIC WOW Organising Committee, 2004

Active participation in Rangoli competition, Flower arrangements, various sports, etc.

HOBBIES & INTEREST
Playing Carom, Badminton, Watching TV & Listening to Music.

SUPRIYA NAIR

Posted by nihkil, (2010-11-13 11:44:31)

HI i am nikhil

Posted by SURESH DHAGE, (2010-10-30 10:59:52)

I have completed BA. i am 6 years experiance in tractor finance.now i am working with international tractors ltd

Posted by Noname Guest, (2010-10-19 19:29:57)

RAGHUPRASAD.S
H-NO,3-86 Near Hanuman Temple Thimmajipet
mahabubnagar
509406
Andhra Pradesh, INDIA . Mobile # 91-9844166166
Email: rpraghav@gmail.com

Dear Sir Madam

I wish to introduce myself, Raghuprasad somanath, currently working as the officer operations, at ICICI Bank Ltd, Bidar. I carry with me a total experience of 3 years 8 months in Banking.

I wish to apply for a suitable position in your organization. My background, education, experience and career interests will be a good match with your requirements. Please find attached a copy of my resume for your kind perusal.

Looking forward to be a part of your team.

Yours sincerely

(RAGHUPRASAD.S)

(Resume attached)

Raghuprasad

Summary

1 Able to handle multiple tasks simultaneously. Adapt well to changes and pressures in the work place.
2 Excellent sales skills. Establish long lasting relationship with customers
3 Dedicated, Productive, Problem solver
4 Extensive knowledge and experience in corporate world especially in the spheres of Banking, Insurance & Customer Service.

Career Objective

I see myself at a high position in the corporate ladder in the years to come through my efforts and dedication. I wish to be recognized for my work and also have the concern for the organization and environment where I work. A suitable placement, which provides opportunities for professional growth would definitely help me achieve my goals.

Educational Profile
• B com with specialization in commerce, S.V.D.C. Degree College, Mahabubnagar

Professional Experience:

ICICI Bank Customer care
Channel migration officer , high-tech city, Hyderabad, India
Oct 2006 – june 2007.

ICICI BANK LTD
Officer - Operations, Bidar Branch, North Karnataka, India
Oct 2007 – till Date

Job Responsibilities
• Responsibility of targeting all new customer acquisitions in the region in terms of Deposits, Savings account and various products of the bank and ensuring smooth operations of day to day banking operations.
• Achieving targets set in Fixed Deposits, Savings accounts, Life insurance products, General insurance products, Mutual Funds, Gold.
• Co-coordinating with Regional Office & Corporate office ensuring timely submission of reports, implementation of projects and processes
• Monitoring the Cash department, query desk and ensuring cross sell of various products of the bank.
• Achieving the targets set for the branch in Fixed Deposits, Life Insurance products, General Insurance Products, Gold sales.
• Achieving targets set for growth in Savings accounts, Current account, NRI Accounts base for the branch. .
• Ensuring all transactions is in strict adherence with the Audit requirements set by the bank.
• Coordinating with Regional processing Centers in Clearing/Accounts/Transaction Activities
• Ensuring execution of financially critical transactions such as deposits, payments, and withdrawals, Transfers, issuance of Drafts/Pay order within the turn around time of the bank.
• Ensuring highest standards of customer service is provided to customers and Zero service Escalations and timely resolution of all queries raised in CRM Tool (FCRM).


RAGHUPRASAD.S

• Ensuring execution of financially critical transactions such as deposits, payments, and withdrawals, Transfers, issuance of Drafts/Pay order within the turn around time of the bank.
• Ensuring sales team imparts the best of customer service with Zero escalations.
• Through knowledge of Banking Package, FINACLE.

ACHIEVEMENTS
1.Received many appreciations from customers for the Best Customers Service
2.Selected champion for Channel Migration, General Insurance, FCRM, AUDIT.

OTHER QUALIFICATIONS
3. Persued Post Graduate Diploma in Banking Operations (PGDBO), Institute of Finance, Banking and Insurance,

Personal Profile
Indian Citizen,
 MS-Office with advanced excel certification).

Father’s Name : Thuljaram
Date of Birth : 24th Mar1984
Sex : Male

Marital Status : Married

Nationality : Indian

Hobbies : Traveling, Listen to Music & Reading.
Games/Sports played : Badminton, Cricket
Linguistic Proficiency : English, Telugu, Hindi, Kannada

Assets
1 My Global exposure to Banking industry as worked for the Global players of the world in Banking & Accounting.
2 My ability to Understand and Interpret things.
3 My Positive Attitude.
4 MY ability to learn thing very quickly and implementing the same with quickly

I hereby declare that the above mentioned information is correct to my knowledge and belief.


Date: 19th OCT 2010

Place: Bidar (RAGHUPRASAD.S)

Posted by VASIM, (2010-10-19 11:02:35)

My conact details.
08000993234
THESUPERMAN@webdunia.com

Posted by Naveen kumar, (2010-10-16 16:49:56)

Naveen Kumar
Mobile: 09728426039
Email: bhatotia4u@gmail.com
: nhanu56@yahoo.in

CARRIER OBJECTIVE
seeking excellence in the chosen professional field through self-motivation, hard work and augmentation of core skills requires for effectively delivering the goods. Believe strongly in the concept of work through positive motivation. The career planning consists of effective implementation of given task and responsibilities.

ACADEMIC QUALIFICATION

B.A from M.D.U. Rohtak.
Senior Secondary School Examination from H.B.S.E. Bhiwani.
Secondary School Examination from H.B.S.E. Bhiwani.

TECHNICAL PROFICIENCY

Diploma in I industrial Computer Accountant from ICA (Rewari.)

COMPUTER PROFICIENCY

Windows 98, XP
MS Office
MS-DOS
Accounting package Tally, 9.0 & 7.2 ,Busy, Fact & Tally ERR.9

JOB EXPERIENCE

. Worked as a PARVATI UDYOG BHIWADI As an Asst. Accountant from 1 November 2007 to 30 Sep 2009.
Last Job Profile
Accounts Audit.
Sales tax Return (VAT)
Data Entry
Tally 7.2 Balance sheet complete &Profit and Loss Accounts

.Now working as a JESCON. IMT Manesar Gurgaon Asst. Accountant from oct. 2009 to Till the Date.

Current Job Profile:-.

Accounts Audit
Preparation of Sales tax statement quarterly and monthly.
Preparation of 57 F4 (Job work)
Data entry ,Purchase, sale , & journal
Preparation of 57 AE & R.G.23 Part-1,Part-2
Tally 7.2 & 9.0, ERP 9 .Balance sheet complete & profit and loss Accounts.
Preparation Sale summary
Preparation Bank Reconciliation

Extra curriculam Activities, Awards and Hobbies

. Listening to Music and Watching Movies.

Personal Information
Fathers Name Mr. Hoshiyar Singh
Address V.p.o-Dungarwas D&Teh- Rewari (Haryana)
Date of Birth 02.11.1988
Language Known Hindi and English

Assets

Good understanding of Human Behavior, keen desire to achieve Success, Self Discipline, Optimistic attitude, Good planning skills, spirit of team work and cooperation, Adaptability and learning ability, believe only in results, regular and punctual.

Declarations

I hereby declare that the facts given in resume are correct to best of my knowledge and belief.

Date: ----------------------
Place: --------------------- (NAVEEN KUMAR)

=======I am able to provide good references if request=======

Posted by Sunil rankwar, (2010-10-14 14:28:14)

CURRICULUM VITAE
Sunil Rankwar
108/34 Pall Beachla
Vinay Nager, Ajmer
Mobile No: 9982371710,9950171107,9001816777
E-mail Address: sunil_rankwar@yahoo.co.in; Sunil.Rankwar@rediff.com

Ability is what we r capable of doing.
Motivation determines what we do.
Attitude determines how well we do it.

Career Objective

 To work with a reputed organization and to obtain challenging position in a growing company where I could leverage my skill and achieve the organization core goals.



STRENGTHS:

 Proven Leadership Quality Good Communication skills Eagerness to learn highly adaptive to any situation.

WORKING EXPERIENCE:

 Worked as a Senior Credit Coordinator (Auto loans) in MMPM & Associates Service Provider Company of HDFC Bank Ltd. Ajmer. For 2 years

§ Responsibilities of job: -
• Auto Loan & Two Wheeler Loans & Evaluating Profile of Customers.
• Final Agreement & Coordination.
• Preparation of Credit Approval Memo.
• Preparation of (Credit, and Bench Mark MIS.).
• Disbursement of File to Operations. (HDFC BANK)
• Preparations of Disbursement Vouchers & Disbursement orders.
• To Do the NDC also before the final Disbursement of files.

 Worked as Marketing Executive at Rajasthan Patrica Newspaper, Ajmer for 6 Month

 Worked as a Sr.Operation Executive (On Roll) In A.U FINANCIERS (INDIA) PVT LTD Ajmer for Since 1.7 Year.

§ Responsibilities of job: -
• Casher & Evaluating Profile of Customers.
• Daily basis Go to bank & Deposit Cash payment In HDFC Bank & Also Have DCR Preparation.
• Managing Of Back Office
• Final Agreement & Coordination.
• Preparation of Credit Approval Memo.
• Preparation of (Credit, and Bench Mark MIS.).
• Support to Jaguar Software A U Financiers (India) Pvt Ltd

 Currently working as a Sr.Creadit Executive (On Roll) in ESSKAY AUTO FINANCE PVT LTD in jaipur for since Nine Months.

§ Responsibilities of job: -
• Preparation of Credit Approval Memo.
• Preparation of (Credit, and Bench Mark MIS.).
• Disbursement of File to Operations. (A U Financiers (I) Pvt Ltd).
• Preparations of Disbursement Vouchers & Disbursement orders.
• Final Agreement & Coordination of Dealer.
• Preparation of Cheque Cibil status of Customer & FI report mentioned
• Support to Jaguar Software EssKay Auto Finance Pvt Ltd.
• Casher & Evaluating Profile of Customers

ACADEMIC QUALIFICATION:

 B.A. from M.D.S University, Ajmer in 2005
 Sr.Secondary from Rajasthan Board, Ajmer in 2002
 Secondary from Rajasthan Board, Ajmer in 2000

PROFESSIONAL QUALIFICATION:

 P.G.D.C.A. From Aryan International Collage, Ajmer In 2006
 INTERNET

AREA OF INTEREST

 Work in Finance Field

NATURE:

 Willingness to work. & I have good knowledge of computer.
 Aggressive Professional Nature.

AIM:

 Achieve my Target.

REFERENCES: -

 Rajesh Yadav (Rankwar)
Birla Corporation (Depo Incharge)
Narnol (HR)
M No.: 09896319105

 Ritesh Sharma
Sales & Collection Head
Esskay Auto Finance Pvt Ltd Jaipur
M No:.9829030099

PERSONAL PROFILE:

Date of Birth : 24 the December, 1983
Father’s Name : Mr. Munna Lal Rankwar
Sex : Male
Marital Status: : Married
Domicile: : Rajas than
Nationality: : Indian
Languages Know : Hindi & English
Hobbies : Reading News paper

Address:
Sunil Rankwar,
S/O Mr. Munna Lal Rankwar,
108/34, Pal Beachla, Vinay Nagar,
Ajmer-305001
Mobile No: 9982371710, 9950171107, 9001816777
E-Mail: - SUNIL.RANKWAR@REDIFFMAIL.COM
: - SUNIL_RANKWAR@YAHOO.CO.IN


Date:
Place: Signature:

Posted by Bhavesh Mankani, (2010-10-10 00:33:05)

Hi!

My name is Bhavesh Mankani, i m working with TCS-Eserve Bpo for last 5.5 years and been a T.L for last 2 yrs and right now i hv completed my MBA from NMIMS college looking for an bank job. My mobile #9819492008. If there is any vacancy plz let me know when i can come for an interview.

Regards,
Bhavesh

Posted by Hari Shankar Roy, (2010-10-05 12:32:33)

HARI SHANKAR ROY

Present Address:-
C/o S.K.Yadav
House no.-40/Gali no.7
Went Rajivnagar / Gurgaon (122001)
Email Id: - harsh.roy83@gmail.com
Contact Number: - 0124 4267857 / 9999557577

Career objects:-
 To work in a company where my skill will be best utilized towards the growth of the esteemed company.
 To contribute objectively towards the fulfillment of organizational goal.
 To pursue intellectual and challenging career in the field of finance and accounting system analyses.

Skills:-

 Task oriented- Complete Finisher, Good in Communication, Good Team Building Skills and people Management.

Strengths:-

 Excellent motivation and leadership skills.
 Ability to communicate and empathize with people of all levels and skills.
 A Team Player and believe that teams and team work make all the difference in an organization.

Work Experience:-

1). Working as Team Leader in Sparsh Bpo Service Ltd, Gurgaon
In Punjab National Bank Inbound Process from March2010 to till date.

Job Profile:-

 Handling 40 people and maintain Team Stats and manage performance on Customer Satisfaction Survey Results.
 Manning the agents on daily basis to maintain the desired number of login and set target to achieve billable logins for each day.
 To understand the team calls quality by real time quality check and will help get a perspective and help Agent take calls with an intact quality.
 To understand the real time challenges faced by the agents and guide Agents to approach calls in a better way.
 To ensure product updates and organizational updates on daily basis and also ensure to interaction with all agents and understand concerns and issues if any, for resolution and end team satisfaction.
 Day to day shared agent performance to ensure each agent is aware of his pervious day performance and strives for the best during the day.
 To boost the team enthusiasm level and increase motivation in Agents.
 Real time call monitoring to be done to control Abandoned.

 Supervising and ensuring that the team meets monthly target of productivity, accuracy and touch time for the process as defined.

2). Worked as Senior Customer Service Associate (Sr. CSA) Sparsh Bpo Service Ltd, Gurgaon in Punjab National Bank Inbound Process from Nov 2008 to Feb 2010.

Job Profile:-

 Supervising a team of 20 CSA's with coordinating from my seniors.
 Taking escalation of calls and barging the calls and giving feedback to the agents and also Provide training to new CSA's on the floor.
 Making hourly login reports, escalation report, maintain the agents Average Talking Time and complete their call target.

 Supervision of floor & maintaining floor discipline.

 Providing new updates to the agents on floor.

 Identifying training needs based on performance and feedback

3.) Worked as Customer Service Associate (CSA) in SPARSH BPO Services LTD. Gurgaon for PUNJAB NATIOANL BANK Inbound Process from Nov, 2007 to Nov, 2008.
Job Profile:-

 Attending calls from customers and providing resolution to them.

 Solving the queries related to A/C's and taking request for hot-listing ATM/Debit cards, loans and A/C statement and lodging complaints.

 Complete the call target and login hours.

 Always achieved the target with quality.

 Always ready to take any initiative as per require the company.

4.) Worked as Customer Service Associate (CSA) in SPARSH BPO Services LTD. Gurgaon for Airtel Broadband and Telephone Service Inbound Process from Dec, 2006 to Nov, 2007.

 Give the Induction Call regarding Plan, tariff and Billing. After installation of broadband if customers get any difficulty lodge the complaint and resolve immediately on first contact.
 Identifying training needs based on performance and feedback.
 Complete Call Closure at least 30 Calls per Day.
 Always ready to take any initiative as per require the company.

 Customer feedback forwarded to concern department on regular basic.

 When resolution comes form complaint department we induct accordingly to customer for making them delight from the service.

Banking Responsibilities:-

 To attend complaints of non-disbursement of cash by ATM machine received through phone calls and Mails received from different sources like customer, branches/offices of bank.

 In case of some fraudulent transactions carried out in customers’ accounts or there are some indications for the account feared to phished, they are advised how to handle such situation and fraudulent accounts are freezed and all debit/ATM cards in such accounts are hotlisted/blocked instantly.

 Receive requests from customers for hotlisting their lost, damaged debit/ATM cards and doing the needful.

 Set off proactive steps for prompt resolution of various types of complaints by liaison with concerned departments/branches/officials of bank with the sole aim to mitigate the problems of the customers and enhance their satisfaction with bank’s services.

Professional Qualification:-
 One year diploma in a computer application.
 Six months diploma in financial accounting.
 NCC “B” certificate passed from ‘Bravo’ grade.

Computer skills:-
 Tally 4.5,5.4&6.3
 window 98,2000,xp
 Basic, Dos, MS Office.
 Accord,ace,busy
 Knowledge of Internet

Educational Qualification:-
 10th examination passed from W.B.B.S.E. in (1999)
 12th examination passed from W.B.B.H.S.E. in (2001)
 Graduation B.Com (H) from North Bengal University. in (2004)

Extra curricular activities:-
 School level / college level:-
 Participated in various athletics events.
 Participated in various cultural events
 Participated in inter college cricket competition.

Permanent Address:-
South Shantinagar
P.O. – Dabgram 2 /via. –Siliguri Town
Dist – Jalpaiguri (W.Bengal)
Pin ¬¬¬- 734404.

Personal Details:-
Father’s Name Sri R. P. Roy
Date of Birth 31st may 1983
Martial Status Single
Language known English, Hindi, Bengali, and Nepali.
Hobbies Listening to Music, Playing Cricket.
Contact Number 9999557577

Place: - New Delhi
Date:-
(Hari Shankar Roy)

Posted by Rohit Singh, (2010-09-27 12:52:20)

Hello Sir,

My self Rohit Singh
Currently working as Project Lead and E-Learning Specialist with Enhance Systems Pvt Ltd Delhi.
I have a product learning management system.
I have developed a LMS [Learning management system] with SCORM based a complete E-Learning solution. And I am working with LMS application in deferent areas with deferent client requirement like ICICI bank, Religare insurance, Reliance general, Reliance life.
I want to join with you and share E-Learning solution system or share a product.

Posted by kennady.c, (2010-09-25 13:21:43)

KENNADY.CPermanent Address:No:241,M.G.R 2nd STREET,BALAN NAGAR GATE,SIPCOT( P.O)PUDUKKOTTAI-622002.Kenny_Domcrush@yahoo.co.inKennadyjohn_143@gmail.com Contact No 9962859120Personal Data:Date of Birth: 26-12-1986Gender: MaleMarital Status: SingleNationality: IndianReligion: Hindu OBJECTIVES
To achieve excellence in my field with professionalism, continuously improving my inherent strengths and give the best in whatever I undertake, enabling organizational and personal improvement
Academic Chronicle
Ø B.sc computer science (2004-2007) Bharathidasan University from ARPUTHA College of Arts& Science, Pudukkottai with 59% aggregate.Ø Higher Secondary (2003-2004) State Board from Govt high School, Thirugokarnam with 55% aggregate.Ø SSLC (2001-2002) State Board from Govt high School, Thirugokarnam with 52% aggregate.
Technical Specialization
Programming Languages:· C, C++· JAVA· HTML· J2EE
Project Experience
Project: MILITARY RECRUITMENT SYSTEM. Some interested peoples have to select on this system through the mail. This project to create based upon the JSP (java server page), ORACLE (client).
RESUME

Words that describe me:AdaptableAttentiveCreativeDependableEfficientHobbiesListening to Music SportsDrawing PaintingInterestsCultural Activities Family BackgroundFather : S.ChellaiahMother : C.FathimaFamily Members : 5 EXPERIENCE
· Now I am working in PHILIPS service center as a DOMESTIC CUSTOMER CARE From Jan 2008 to till 2010.
Strengths
Highly organized and dedicated with a positive attitude.Highly motivated, career minded, self-directed and self committed individual.Have interest in forming cohesive groups and working with them

Skills
Good grasping & analytical skills.Self motivated with a strong desire to learn. Ability to quickly establish rapport and generate enthusiasm in others.
Languages Known
Tamil, English – to Speak, Read & Write
Declaration
I hereby declare that the above-mentioned details are true to my knowledge.Station: Yours Sincerely,Date: KENNADY.C

Posted by Nitin verma, (2010-09-22 22:55:02)

hi,

My name is Nitin Verma
I am looking for job in sales
Please find my cv

CURRICULUM-VITAE

NITIN VERMA
H No. 28/326 Brahmin Gali,
Gokulpura, Agra
Ph: - 08769088099,09251089410
E-mail: verma.nitin20@gmail.com
----------------------------------------------------------------------------------------------------------------------------

Career Objectives:

To sustain in the industry and to utilize myself as resource for all kinds of challenging jobs by upgrading my knowledge and skills from time to time.

Current Profile:

Company: Axis Bank Ltd.
Designation: Business Development Executive
Place: Bharatpur, Rajasthan
Job Responsibilities: 1. To promote CA/SA Business, dealing with customer and give information about our all products (Bank and Third party) and their advantages.
2. Engaging with premium customers to build relationships, and delivering a positive customer experience while acquiring new customers.
3. Expansion of internal and external relationships, and drive sales results.
4. Demonstrating the highest levels of controls and compliance adherence in the sales process and in personal conduct.

Total Work Experience: 3 Years and 6 months

ICICI BANK LTD.
As a Business Development Executive From June 2008 to March 2009.

ICICI BANK LTD.
As a Senior Sales Executive From August 2007 to May 2008.

I-Solutions (ICICI Bank Ltd.)
As a Sales Executive From March 2007 to July 2007.

Achivement:-

 Certificate of president club contest(Retail Banking) organized by zonal office in
AXIS bank July 2009.
 Certificate of shining glory challenge in AXIS bank July 2009.
 Certificate of appreciation presented by president(Business Banking) in AXIS bank
July 2009.
 Recognition certificate by branch for outstanding performance in November 2009.
 Certificate of eye of tiger in ICICI bank of regional contest in January 2008.

Professional Qualification:-

 MBA from Vinayaka Mission University in 2010.

Educational Qualification:-

1. Graduation from Dr.B.R.Ambedkar University, Agra in 2004.
2. Intermediate from U P Board in 2001.
3. High School from U P Board in 1999.

Skills:

Basic computer skills & knowledge of MS Office .


Hobbies:

Meeting New People & Travelling.

Personal Details:

Father Name Shri M.M. Verma
Address 28/326, Brahmin Gali,
Gokul Pura, Agra-02
D.O.B. 26th May 1984
Gender Male
Marital Status Bachelor
Language Known : Hindi & English

Date:22/09/10
(NITIN VERMA)
Place:Bharatpur

Posted by teena jain , (2010-09-20 10:50:59)

Teena Jain
teenajain2386@gmail.com. Hand Phone +91-9414270425
Teacher Colony, Chittor Road. Bundi (Rajasthan). 0747-2446522

OBJECTIVES: I'd like to work in an environment, which besides offering me a challenging job, can provide me with opportunities for growth. I am looking forward to become a reliable person for the company and gain as much technical knowledge /skill as possible.

QUALIFICATION:-
PROFESSIONAL DEGREE:-
• Completed Master of Business in Finance and Hr with 1st division from from Rajasthan Technical University, Kota.
• Master of Commerce in Abst with 1st division from Kota University at Bundi (Rajasthan) in 2008.
• Bachelor of Commerce from Kota University, (Rajasthan) in 2006
ACADEMIC: -
• Secondary from Secondary Education Board, Rajasthan. (59%) in 2001.
• Senior secondary with commerce from Secondary Education Board, Rajasthan (61%) in 2003.

TRAINING DETAILS:-

Customer Perception of Life Insurance. 18/05/09-30/06/09
ING Vysya Life Insurance, Kota.
• I learn to sale the policy in customer .
• Knowledge for product, benefit in Life Insurance.
• Learn to talk the customer in about the policy

EXTRA CURRICULARS:-

• Participate In the ‘’Event Management of Sbi Life Insurance Kota 2009”.
• Participated and won awards in Painting from collage.

TECHNICAL SKILLS:-
• Worked on Platforms like Windows 98/XP/07/Vista.
• Basic Knowledge about Networking.
• Capable of working on MS Word, Excel, Power Point,
PERSONAL DETAILS:-

Father's Name:-Mahender Kumar Jain DOB:-2nd Mar. 1986

Posted by Suman Singha, (2010-09-16 13:57:58)

I have completed my BCA n currently pursuing HDBFS fron NIIT,IFBI, Kolkata. I am a fresher but I am being trained in Finacle.
I am very much interested to be a part of the YES Bank team and prosper with the organisation.
Thanking you in anticipation.
Regards,
Suman Singha Place- Kolkata
9735186046
9933463748

Posted by Nazia Hasan, (2010-09-14 14:09:45)

Dear Sir/Madam,

I got to see the openings in your organization.I am hereby sending my resume to you.I am keen on joining YES Bank.Also I am looking for non sales profile.

Any openings suiatable for me please help me reaching for it.

Regards
Nazia Hasan

Posted by Namrata Sawant,Resident of Dombivli,Mumbai(Maharas, (2010-09-05 18:59:16)

Hello Sir/Madam,

This is with reference to your job posting on naukri.com for the post of Management Trainee-HR,i would like to apply for the same.

As i have done 2 years full time PG Degree Master of Labour Studies from Mumbai University with First Class in 2010.I am a Fresher.

Requesting you that kindly revert back to me for the same.

Thanks & Regards,
Namrata Sawant
9930292484