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Financial services
can be defined as the products and services offered by institutions like banks of various kinds for the facilitation of various financial transactions and other related activities in the world of finance like loans, insurance, credit cards, investment opportunities and money management as well as providing information on the stock market and other issues like market trends.

FSs are the activities, benefits, and satisfactions, connected with the sale of money, that offer to the users and customers, financial value



Intangible Direct Sale: simultaneous production & distribution Heterogeneity Fluctuating demand

Protects customers interest like in banking/insurance organizations

Technology oriented Geographical dispersion: massive branch network Lack of special identity/uniqueness: product vs. package High cost of information i.e. its creation, dissemination and use Requires trained and experienced staff, firms need to make extra efforts to attract, motivate and retain the human resources
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Asset/Fund Based services
Equipment Leasing Hire Purchase Bills Discounting Venture Capital Housing Finance Factoring

Fee Based/Advisory Services

Issue Mgmt. Portfolio Mgmt. Corporate Counseling Loan Syndication Merger & Acquisition Capital Restructuring Credit Rating Stock Broking Insurance Services Custodial Services Underwriting Mutual funds



Specialized Financial Institutions/Development banks IFCI,ICICI, IDBI, SFCs, SIDCs, IIBIL, UTI, SIDBI so on
Commercial banks HDFC, Citi Bank, ICICI Bank, IDBI Bank, AXIS Bank, YES Bank etc

Stock exchanges Finance Companies Investment Companies Unit trusts Leasing Companies Non-Banking Finance Companies Credit Rating Agencies Mutual Funds


Securities Trading,

financial activity involving transactions of property such as stocks, bonds, commodities, and currency instruments giving, to their legal holders rights to money or other property. Securities include stocks, bonds, notes, mortgages, and bills of exchange. Although the trading of stocks and bonds dates back several centuries in many Western nations, the development of the securities industry since World War II has been sweeping. The advent of new technologies, particularly in computers and telecommunications, has brought about a new era in securities trading. Traditionally stock exchanges were recognized as organized markets for the trading of stocks and bonds. Such markets were originally open to all, but at present only members of the owning association may buy and sell directly. Now there is another method(over-the-counter) of buying and selling securities outside the organized stock exchange. Unlike an organized stock exchange, the over-the-counter market is composed of dealers who negotiate most transactions by telephone and computer.


Online Trading
Money saving opportunities Instant online access Enter online trades at anytime With online trading you are in charge

Offline Trading
The one benefit that an investor appreciates the most is that they are not alone when making investment Decisions There are experienced and professional brokerage companies that handle their investments for them Investors are not faced with the challenge of making these vital investment decisions; especially, if they do not have the experience necessary to make the appropriate investments Also, there is someone there to answer any questions that may cause concerns