DOOR STEP BANKING

Bank Ready to visit your place

Agenda
 What is it ?

=
Premises Banking

Banking service made available to customer

at their requisite place
 WHY ????
TRADITONAL FLAVOUR

RELATIONSHIP PHYSICALLY ALIVE

FIRCE COMPETATION

INCREASE CUSTOMER BASE

RETAIN OLD CUSTOMER

MATCH FAST PACE OF LIFE

Service offered to Corporate /Govt/ PSU

Pickup Cash

Pickup of Instrument

Delivery of DD

Delivery of Cash against cheque received at the counter

Service offered to Individaul

Pickup Cash

Pickup of Instrument

Delivery of DD
Mode of Delivery

Employee

Agent
 Delivery Process
RBI GUIDLINESS

1. Cash collected against proper acknowledgement

2.Cash collected credited on same day or next working day
3. Issue a suitable advice
4. DD – Dr to a/c on written request
Not against cash/instrument
5. Cash deliver only to Corporate /PSU/Central &state against
receipt of cheque
 Risk Management
RBI GUIDLINESS

1. Writtn Agreement
2. No legal/Financial Liability on Bank
3. Extension of service
4. Claim of service
 Transparency
RBI GUIDLINESS

1. Writtn Agreement
2. Charges
3. Prominently Indicated
 Other Conditions
RBI GUIDLINESS

Service Provided only those customer

1. KYC Updated
2. Address mention on Agreement
3. Act of Omission- Bank Responsible
4. Scheme not restricted to any class/Customer
 Role of Designated Branch

1. Office in Incharge
2. bank employee have proper ID card
3. Pool
4. Publicity
5. Execute Necessary Agreemnt
 Operation model of scheme

1. Same day service request before 12 noon

2. Request can be made on phone /fax (Delivery of
instrument/Statement/Pass Book)
3. DD request in writing
 Role of Officer in charge

1. Request recorded in register

2. Employee name deputed
3. request process by designated employee
 Role of Deputed Employee

1. Pick up instrument aginst acknowledge

2. Deliver DD against acknowledge
3. Collect Original request letter
 Service charge
Normal Service Charge Out of Pocket Expenses

A flat charges of Rs 50/- lived per visit Up to 5 kms RS 50/-

5 to 10 kms rs 100/-
 Concession
Individual maintain average balance FOC
rs 25k SB and 50k in case of CA last
6m
Customer facing inconvenience due to FOC
sifting

Updating pass book along with service FOC

availed under the scheme
 Crons

• Small sample size

• Possibility of biased responses.

• Possibility of errors in questionnaire.

• Some bank may charge extra charges.

• Banks may apply more rules and regulations of which customer not aware.
 Prons
• No queuing at the branch, bank at your doorstep

• Dedicated courier agencies for cheque pick-up

• Dedicated CIT agents for cash pick up & delivery secured by a comprehensive
insurance cover

• Multiple verifications and identification process to ensure security

• Reduced risk of carrying large sum of cash to or from the branch

• To help identification, the list of agency personnel is shared with you

• To confirm identification, you can check photo the id proof of agency personnel
 Conculsion
• It’s convenient
Transact from your premise.

• It’s hassle-free
Experienced agencies help you with your transactions.

• It’s flexible
You can choose between daily services or service on call.

• It’s safe
Cash-in-transit insurance.

• It’s secure
Multiple verification & reconciliation procedures make
the facility foolproof.