DEPARTMENT OF TECHNICAL EDUCATION

ANDHRA PRADESH
Name : Md. Quadeer Rehman
Designation : Head, CCP
Branch : DCCP
Institute : KDR, GPT Wanaparthy
Year/ semester : VI semester
Subject : Banking
Subject code : CCP-604(B)
Topic : Marketing of Banking
Products
Duration : 50 mts
Subtopic : Various Strategies of banks
in promoting products
Teaching aids : Diagrams
CCP604(B).83 1
Objectives:
On completion of this period you will be able
to explain the role of banks
 To offer loans on easy terms to the uplift the
needy customers
 To reduce dependency on public and private
sector jobs
 To provide bank products to live on self
employment
 To remove rural unemployment and under-
employment
 To provide ways and means for self sufficiency for
CCP604(B).83 2
rural youth
Recap

The modern marketing strategies of national banks

 The increase and decrease in the rate of interest to
attract deposit mobilization
 The lead bank policy to generate income to the rural
youth
 The terms and conditions associated with bank loans
 Loans for specific purposes and special category
customers

CCP604(B).83 3
Modern banking products to offer
rural areas by national bankers

 Offer banking products (loans) to rural youth

 To offer bank products to generate employment
opportunities
 To provide continuous employment opportunities
by offering self employment to educated youth
 To provide self employment thro’ loans for school/
college drop-outs
 To remove unemployment conditions in rural
areas CCP604(B).83 4
Differential interest rates for
Different category of loans

 Nominal rate of interest for self employment

generated for educated youth
 Low interest rates for education loans
 Low interest rates for rural small /medium
agricultural farmers
 Low interest rates for agricultural laborers
 Medium rate of interest for business
development

CCP604(B).83 5
Purpose of
loans
 RBI directions to lead banks
 To provide self employment
 To supplement income for small
medium farmers and agricultural
laborers
 To reduce dependency on
government jobs
 To improve economic conditions
 To develop self confidence
 To mobilize resources
 To develop banking habits

CCP604(B).83 6
Summary:
 We have discussed:
 The purpose of offering banking products to rural
youth
 The offer various interest rates to various category of
customers
 To develop the self sufficiency and reduce
dependency on government jobs
 The RBI guidelines to all the national banks thro’
lead bank scheme

CCP604(B).83 7
Assignment:

3. Explain the areas where the bank offer its

products to the rural areas
4. Explain guidelines issued through the RBI to the
lead banks for rural development
5. Explain any four points where the different rates
of interest is charged by banks

CCP604(B).83 8
Quiz

Fill in the blanks :

4. All the ______________receive guidelines
through RBI to act as a lead bank in every
district

nationalized banks

CCP604(B).83 9
Quiz

1. Generation of self employment is one of the aims of

offering of marketing products by the____________
national banks

CCP604(B).83 10
Quiz

1. The small farmers and agricultural laborers get subsidy

and low rate interest from the National banks

CCP604(B).83 11
 Frequently asked questions

3. Explain any six advantages of Lead Bank

Scheme
4. Explain any six points where the RBI issues
guide lines for all the national banks
5. Explain in four sentences:
a) Small farmers
b) Rural educated unemployment
c) Agricultural laborers loans

CCP604(B).83 12