RSTC – VISAKHAPATNAM
INTERVIEW MATERIAL
IMPRESSING INTERVIEWER:
- Plan ahead and arrive on time. Late arrival for an interview is never excusable. - Turn your cellphone off or to silent before you arrive. - Greet the interviewer(s) formally until he/she indicates otherwise. - Shake hands firmly, looking the interviewer(s) in the eye. - Wait until you are offered a chair before sitting. Once seated, sit upright, be alert, friendly and interested. Do not fidget. Be a good listener as well as a good talker.. - Well dressed. - Always try to be with smiling face. - Avoid Bad posture. - Justification for choosing promotion. - Willingness to work any place.
INAPPROPRIATE INTERVIEW DRESS FOR MEN: - Jeans or anything made of denim - Loose shirt neckline or top button undone - Pants with no belt - Long hair - Ties too long or short - Earring(s) - Rolled up shirt sleeves - Sports watch - Half-grown beard or moustache ETC.
INAPPROPRIATE INTERVIEW DRESS FOR WOMEN: - Jeans or anything made of denim - Sleeveless tops and dresses - Bare shoulders - Low cut necklines - Shorts – Mini Skirts - Sequins and shiny fabrics - Long untied/unkempt hair - T-shirts or transparent fabrics - Too much perfume - Oversized dangling earrings or excessive jewellery REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 1
SRK
THINGS TO AVOID:
- Poor personal appearance - Inability to express ideas clearly, poor poise, grammar and diction - Lack of purpose or goals - Lack of interest and enthusiasm - Lack of confidence, excessive nervousness - Failure to look interviewer in the eye - Limp, fishy handshake
INTERVIEW TIPS:
- Listen to the Question properly, if you have not understand the question ask to repeat with politely and say sorry. - Tell most important points and do not give chance for chain questions. - Reserve some of the points in case of need. - Give direct answers always. - Body language is most important. Sit comfortably. - If you don’t know the answers, just say “sorry I do not know” but don’t take much time for saying I do not know. - Argument type questions try to give positive answers with justifying.
COMMON QUESTIONS:
1. Tell about yourself. 2. Consider yourself to fit for the post. 3. Nature of present work / department etc. 4. What is your strength / weaknesses – focus on your strength only. Weakeness just smile. 5. What is your goal / ambitions. Tell your short term and long term goal. 6. How you would do well by taking promotion. 7. Team Management / coordinating the staff. 8. Your name related or place related questions.
WORK / JOB RELATED QUESTIONS:
1. Your present Nature of work. 2. Credit related questions. - Assessment of limits. - Prudential norms. - Sarfaesi act related. - NPA – norms, deemed NPA,
REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 2
SRK
- Retail lending schemes – HL, CanaraTrade, Canara Mortgage, Vehicle etc. - MSME –Unnati, Vijetha, Athidhi, VAHAN, Caravan, Contractor scheme, Doctor’s choice, CAP etc and CGTMSE, takeover norms. - If you have worked in Forex – forex related. PC, PCFC etc. - Priority Sector lending. - Agriculture related products, KCCS etc. 3. Current Affairs – Read interview date news paper and previous day news paper important headlines. 4. Names of Top Executives of our Bank.
COMMANDMENTS FOR FACING INTERVIEW
LEVEL OF CONFIDENCE: - Have confidence, do not dominate or argue. - Be comfortable in your posture, rather than sitting on the edge of the chair. - Be polite and positive, but do away with extreme politeness. - Give your answers rationally and reasonably.
CLARITY OF THOUGHT: - Be clear before answering. Keep your cool. - Do not get provoked by irritating questions - may be they are watching your patience.
COMMUNICATING ABILITY: - Interviewer shall test your ability to listen. - Whether are you able to express yourself. - BE PRECISE and reply to the point.
LEVEL OF KNOWLEDGE: - You should be fully aware about your work area as well as the latest developments in the country / the world .
ODY POSTURE & GESTURES: - Enter the room elegantly. - sit in the chair with permission, develop eye-contact exhibit confidence
TEN THINGS THAT AN INTERVIEWER LOOKS IN YOU!
1. Family Background 2. Education 3. Experience 4. Stability 5. Initiative 6. General Ability 7. Interpersonal Skills REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 3
SRK
8. Confidence 9. Attitude 10. Pleasant Looks
KEY INDICATORS
BANK RATE 6.28% CRR 4% SLR 19.50% REPO RATE 6.00% REVERSE REPO 5.75% Marginal Standing Facility 6.25%
MCLR w.e.f. 07-03-2018 OVERNIGHT MCLR 7.95% ONE MONTH MCLR 8.00% THREE MONTH MCLR 8.20% SIX MONTH MCLR 8.30% ONE YEAR MCLR 8.40% BASE RATE W.E.F.07-01-2018 9.15%
SB Rate 3.5 % for Balance o/s upto Rs 50 lakhs and 4.00% for Balance o/s above Rs 50 lakhs.
Corporate Vision: To emerge as a world class Bank with Best Practices in the realms of Asset Portfolio, Customer Orientation, Product Innovation, Profitability & enhanced value for Stake Holders.
Our Corporate Mission: To provide quality banking services with enhanced customer orientation, high value creation for stakeholders and to continue as a responsive corporate social citizen by effectively blending commercial pursuits with social banking.
Executive Profile:
Board of Directors: The Bank's policies and business are governed by Board of Directors consisting of following members:
➢ Shri T.N.Manoharan – Chairman ➢ Shri Rakesh Sharma – Managing Director & Chief Excutive Officer. ➢ Shmt P V Bharathi – ED ➢ Shri M V Rao – E D
REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 4
SRK
➢ Shri Debashish Mukherjee – ED ➢ Shri Suchindra Mishra – Director representing Government of India ➢ Smt Uma Shankar - Director representing Reserve Bank of India ➢ Shri. Krishna Murthy H - Shareholder Director ➢ Shri Venkatachalam Ramakrishna Iyer – Shareholder Director 1.RBI Governer - Shri URJIT PATEL 2.IBA Chairman – Shmt Usha Ananthasubrahmanian. Details of Various wings at Head Office:
1. Human Resource Wing 2. Vigilance Wing 3. Compliance Department 4. Prime Corporate Credit Wing 5. Risk Management Wing 6. Risk Based Supervision and MIS Wing. 7. Priority Credit & Financial Inclusion Wing 8. Recovery Legal & Fraud Prevention Wing 9. Corporate Credit Wing 1 10. Inspection Wing 11. Retail Assets Wing 12. Credit Administration & Monitoring Wing 13. Strategic Planning & Development Wing 14. Corporate Credit Wing 2 15. General Administration Wing 16. Department of Information Technology Wing 17. Financial Management and Subsidiaries Wing 18. Digital Banking Service Wing. 19. International Operations and Corporate Credit Relations Wing 20. MSME Wing 21. Staff Training College. 22. Marketing & Retail Resources Wing CIRCLE OFFICES 21 AND REGIONAL OFFICE 118 REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 5
SRK
Subsidiaries:
1. Canara Robeco Asset management Company Ltd 2. Canbank Venture Capital Fund Ltd 3. Canfin Homes Ltd 4. Canbank Factors Ltd 5. Canbank Computer Services Ltd 6. GILT Securities Trading Corpn Ltd 7. Commercial Bank of India LLC 8. Canara HSBC Oriental Bank Of Commerce Life Insurance Company Ltd 9. Canbank Financial Services Ltd (CANFINA) 10. Regional Rural Banks sponsored by the Bank
Joint venture Bank: COMMERICAL BANK OF INDIA LLC - (CBIL) @ Moscow with State Bank of India on 60:40 basis.
STAFF STRENGTH AS ON 31-12-2017.
SCALE TOTAL CHIEF GENERAL MANAGER / GENERAL MANAGER 43 DEPUTY GENERAL MANAGER 122 ASSISTANT GENERAL MANAGER 374 DIVISIONAL / CHIEF MANAGER 1211 SENIOR MANAGER 2663 MANAGER 5943 OFFICER 18689 SPECIAL ASSISTANT 461 CLERK 21369 SUB-STAFF 8564 PART TIME EMPLOYEE 2 GRAND TOTAL 59441
REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 6
SRK
Global Business Target for MARCH, 2018 - 900000 lakh cr
December, 2017 - 8.77 lakh cr
% of CASA Deposits - 33.83%
Total Branches - 6179
PLEASE GO THROUGH WORKBOOK OF YOUR BRANCH AND NOTE
- Date of opening of branch - Important Depositors/Borrowal Clients - Targets for Deposits, Advances, NPA, Productivity - Staff Strength - Profit before HO Int. , After HO Int., Cost , Yield. - Major Business of branch - Inspection Gradation - Section/Work being attended by you at present. - Low Cost Deposits
DEPOSIT RATE OF INTEREST CIRCULAR : 64/2018
R O I : 6.50% for one year.
BANK GOALS:
Continued thrust on Retail Business & Asset Quality – CASA & Retail deposit, retail credit, fee income, containing NPA, Resolution of large NPA Accounts, recovery & Upgradation And improving operational financial rations, such as NIM, ROA, ROE and cost to income.
GENERAL MATTERS
PRADHAN MANTRI MUDRA YOJANA (PMMY):
• SHISHU : COVERING LOANS UPTO RS. 50,000/- • KISHOR : COVERING LOANS ABOVE RS. 50,000/- AND UP TO RS.5.00 LAKH • TARUN : COVERING LOANS ABOVE RS.5.00 LAKH AND UP TO RS.10.00 LAKH
INDRADHANUSH
Plan for Revamp of Public Sector Bank 1. Appointments REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 7
SRK
2. Bank Board Bureau 3. Capitalisation 4. De-stressing PSBs 5. Empowerment 6. Framework of Accountability 7. Governance Reforms
For improving PSBs. Govt have made the announcement of capital allocation for PSBs in the next four years. Out of the total requirement, the Government of India proposes to make available Rs.70,000 crores out of budgetary allocations for four years as per the figures given below: (i) Financial Year 2015 -16 - Rs.25,000 crore (ii) Financial Year 2016-17 - Rs.25,000 crore (iii) Financial Year 2017-18 - Rs.10,000 crore (iv) Financial Year 2018-19 - Rs.10,000 crore Total - Rs.70,000 crore
Canara Bank 947 crores. LIBERALISED REMITTANCE SCHEME
Authorised Dealers may freely allow remittances by resident individuals up to USD 2,50,000 per financial year (April-March) for any permitted current or capital account transactions or a combination of both.
I-LEAD I lead is a Lead Management system. Available for all Bank Staff at branches, admin units etc. It’s a Android Based App for smarphone users, Desktop login also available and it develop sales culture in all staff.
IMPORTANT TERMS
HELICOPTER MONEY: Helicopter money has been proposed as an alternative to Quantitative Easing (QE) when interest rates are close to zero and the economy remains weak or enters recession. Economists have used the term 'helicopter money' to refer to two very different policies . The first set of policies emphasises the 'permanent' monetisation of budget deficits. The second set of policies involves the central bank making direct transfers to the private sector financed with base money, without the direct involvement of fiscal authorities. This has also been called a citizens' dividend or a distribution of future seigniorage. The idea was made popular by the American economist Milton Friedman in 1969; starting from 2012, economists have also called this idea "quantitative easing for the people.
REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 8
SRK
SEIGNIORAGE: Net revenue gained from the issuing of currency and coins. It arises from the difference between the face value of a currency note and the cost of producing, distributing and eventually withdrawing it from circulation.
JAM TRINITY: A new jargon, JAM Trinity, Jan Dhan Yojana, Aadhar, Mobile numbers, has become the Indian‘s finance buzzword.
HEADLINE INFLATION : Headline inflation is a measure of the total inflation within an economy, including commodities such as food and energy prices (e.g., oil and gas), which tend to be much more volatile and prone to inflationary spikes. On the other hand, "core inflation" (also non food-manufacturing or underlying inflation) is calculated from a price index minus the volatile food and energy components.
CORE INFLATION: Core inflation represents the long run trend in the price level. In measuring long run inflation, transitory price changes should be excluded. One way of accomplishing this is by excluding items frequently subject to volatile prices, like food and energy.
CONSUMER PRICE INDEX: A consumer price index (CPI) measures changes in the price level of a market basket of consumer goods and services purchased by households. The index is usually computed monthly, or quarterly in some countries.
WHOLESALE PRICE INDEX: The Wholesale Price Index or WPI is "the price of a representative basket of wholesale goods". Some countries use the changes in this index to measure inflation in their economies, in particular India – The Indian WPI figure was released weekly on every Thursday. But since 2009 it has been made monthly.
STAGFLATION: Stagflation is a combination of inflation, slow economic growth and high unemployment.
MIXED FARMING: When on a farm along-with crop production, some other agriculture based practice like poultry, dairy farming or bee keeping etc. is adopted, then this system of farming is known as mixed farming. It is the dominant system in Europe and now in parts of India.
LONDON INTER BANK OFFERED RATE (LIBOR): LIBOR is the most widely used benchmark or reference rate for short term interest rates. It is compiled by the British Bankers' Association (BBA) and released to the market at about 11.00 a.m. each day. REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 9
SRK
WHITE LABEL ATM: White Label ATM (WLA) in India will be owned and operated by Non Bank entities. From such White Label ATM customer from any bank will be able to withdraw money, but will need to pay a fee for the services. These white label automated teller machines (ATMs) will not display logo of any particular bank and are likely to be located in non traditional places.
BROWN LABEL ATMS : 'Brown label' ATM are those Automated Teller Machines where hardware and the lease of the ATM machine is owned by a service provider, but cash management and connectivity to banking networks is provided by a sponsor bank whose brand is used on the ATM.
HOT MONEY: Money that moves across country borders in response to interest rate differences and that moves away when the interest rate differential disappears.
HEDGING: A strategy designed to reduce investment risk using call options, put options, short- selling, or futures contracts. A hedge can help lock in profits. Its purpose is to reduce the volatility of a portfolio by reducing the risk of loss.
HAIRCUT: The margin or difference between the actual market value of a security and the value assessed by the lending side of a transaction.
GILTS: Term denotes Government securities like Central Government loans and State Government loans. Include government guaranteed bonds like that of IDBI. 'Gilts' is the short form for gilt-edged securities- so called because they carry no risk.
HERSTATT RISK: The risk of loss in foreign exchange trading that one party will deliver foreign exchange but the counterparty financial institution will fail to complete its end of the contract. This is also referred to as settlement risk.
BRICS DEVELOPMENT BANK (BDB): BDB was launched on Jul 15, 2014 by BRICS countries,at Fortaleza ( Brazil) summit. Brazil, Russia,India,China and South Africa are its members.Bank HQ is in china‘s commercial capital Shanghai. It‘s first president is India for 5 years ( followed by Brazil & Russia).
REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 10
SRK
GREEN BANKING: Green Banking is a new concept of Banking where all other financial activities remain same but extra focus are given on sustainability,Environment protection through the reduction of paperless banking.
UNIVERSAL BANKING : R H Khan committee had recommended the concept of Universal Banking. Universal Banking means allowing FIs & banks to undertake all types of banking or development financing activity,subject to compliance of statutory and other requirements of RBI, Govt., and related acts.Activities in universal banking include accepting deposits, granting loans, investing in securities, credit cards, project finance, remittances, payment systems, project counseling, merchant banking, foreign exchange operations, insurance etc. Objective of Universal Banking is to offer world class financial services by using information technology and cross selling ,reduce per customer cost and increase per customer revenue,take benefit of economies of scale and compete with international banks by extending business
NARROW BANKING: Narrow Bank ,is the system of banking under which a bank places its fund in risk free assets with maturity period matching its liability maturity profile , so that there is no problem relating to asset liability mismatch and the quality of assets remains intact without leading to emergence of NPAs. Such banking ensure the regular deployment of funds in low risk liquid assets.
ISLAMIC BANKING: An Islamic bank is a deposit taking banking institution whose scope of activities incluses all currently known banking activities, excluding borrowing and lending on the basis of interest.
CASINO BANKING: A practice of commercial banks engaging in unduly speculative or risky financial activities to record high profit.
RATING FOR BANKS: RBI‘s 1995 working group headed by Sh.S Padmanabhan suggested method for rating of banks by RBI
1.Rating parameter for domesic banks :CAMELS rating
C: Capital Adequacy Ratio
A:Asset Quality
M:Management Effectiveness
REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 11
SRK
E:Earning ( i.e. profitability)
L:Liquidity ( asset-liability management)
S:System and controls
2.Rating parameter for foreign banks: CALCS rating
C: Capital adequacy ratio
A: Asset Quality
L:Liquidity
C:Compliance
S:System and control+
CORPORATE SOCIAL RESPONSIBILITY: Companies Act 2013 is a step in that direction mandating companies to spend a minimum of 2% of their net profit on developmental activities.
- As per provisions of Section 135, a company with turnover of `1000 crores or more OR a net worth of `500 crores or more OR net profit of `5 crore or more in any financial year shall spend a minimum of 2% of their net profit on developmental activities.
ATAL PENSION YOJANA (APY)
APY focussed on all citizens in the unorganised sector. Minimum Guarantee pension of Rs. 1,000/-, 2,000/-, 3,000/-, 4,000 and 5,000/- per month will be given at the age of 60 years depending on the contributions by the subscribers.
The minimum age 18 years and maximum age is 40 years. The age of exit and start of pension would be 60 years. Therefore, minimum period of contribution by the subscriber under APY would be 20 years or more.
MOCK QUESTIONS: 1. Present Repo Rate: 6.00% Reverse Repo: 5.75%; Bank Rate: 6.25%; CRR: 4%; SLR: 21.25% 2. Banker customer relationship in Safe Custody: Bailee -Bailor. 3. Protection available to materially altered cheque under which Section of N.I. Act: Section 89 of NI Act. 4. TDS deduction on interest more than 20,000/- under which Act: Income Tax Act. REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 12
SRK
5. Payment in due course under which act: Sec 10 of N.I. Act. 6. EEFC A/c can be of which type: Current Account. 7. Education loan for vocational purpose in India: Max 1.50 lac 8. Housing loan under priority sector more than 10 lac population: Rs. 28 lacs with Unit cost not exceeding Rs. 35 lacs. 9. In JLG number of group members: 4 to 10 10. Loans for co-operative society under Priority Sector: 5 crore 11. ATM dispense/non-dispense claim to be settled within _____ days: 7 days. 12. Under Ombudsman scheme, the customer has to give acceptance of the award within_____ days: 1 month. 13. Under Ombudsman scheme, the authority for appeal is: Dy Gov. RBI 14. Operational Risk: Internal failure of system and procedure. 15. In case of RTI, information related to life and liberty has to be provided within: 48 hrs. 16. KYC updation for low risk customer has to be done: Once in 10 years. 17. Protection to the Collecting bank is available under which Sec of NI Act: Sec 131 of N.I. Act. 18. What is a Promissory Note: Unconditional promise to pay. 19. CC/OD A/c out of order for a period of _____ to become NPA: 90 days. 20. Age limit in Prime Ministers Jeeven Jyoti Yojna: 18 – 50 21. How much NRI can remit from his NRO a/c: One million dollars per financial year. 22. Eligibility criteria for DRI in terms of income limit: 18,000 & 24,000. 23. Interest subvention for exporter is upto: 3% subject to the condition that the floor rate is not less than 7%. 24. No objection certificate from Agri: Dispensed with – not reqd now. 25. Age limit staff housing loan: 70 years; 26. Full form of IFRS: International Financial Reporting Standard. 27. Small value remittance in forex: $ 25,000 per financial year. 28. For referring cases to Lok Adalat, the cut-off limit is: Upto 20 lacs. More than 20 Lacs Lok Adalat set up under DRT. 29.. Short Duration and long duration crop – who fixes: Agri Deptt of the Govt. 30. What is Mixed Farming? Use of a single farm for multiple purposes, as the growing of cash crops or for the raising of livestock.
MODEL INTERVIEW QUESTIONS: 1. If you are posted in remote area far away from your home town are you OK. 2. You are young and do you have confidence on handling as Branch in charge. 3. As Branch in charge what are all you strategies to reach Corporate goal. 4. Any new product of bank how you are going to market the same what strategies to implement. 5. If customer having Deposit of Rs.10 lacs and approach you to withdraw part amount for purchase of a Car, How will you handle?
REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 13
SRK
6. What are all the latest / recent messages received from our Corporate by way of SMS? 7. If you are a customer which bank you prefer Canara Bank or any other New Generation Bank. 8. What initiatives you will take for customer Satisfaction? 9. Tell about SARFAESI Act and suppose if go for Auction of the property and no one has come forward what will you do? 10. Cheque Truncation system can you explain?
11. What is ECS can you tell the procedure? 12. Can you Tell recent incident happen regarding KYC in one of our branches quoted in the Circular. 13. Do you feel our Tech Products are superior if so why our Tech products usage is very low compare to other private banks. 14. Do you have all our Tech Products are you using? 15. Which Sector is good Private Banks or Public Sector?
16. What do you know about Bankassurance whether it is good for the Banking Industry? 17. Tell about Nomination facility in Banking? 18. What do you know about Financial Inclusion? 19. EMT can you explan. 20. For assessment of Limits How many methods are there suppose if one contractor approaches you for a limit of 30 crores which method you will apply?
21. Now a days more thrust on CASA how to increase CASA deposits what is present position of our bank and your branch and your circle. How to improve CASA do you have any strategies. 22. Do you know the difference between Term Deposit and Demand Deposit. 23. How we are fixing Price means Rate of Interest by way of Risk Rating or Scoring Norms? How many Risk Rating Models are there? 24. What is Tangible New Worth in Balance Sheet. 25. Can you explain about Current Ratio and Bench Mark Current Ratio?
26. If any customer quarrelling / arguing with your staff at counter as a branch In charge how you handle? If your branch is not provided AC and customers demands how will you handle? 27. As Poor person enters to your bank and does not have any Proof and wants to open Savings Account whether you will open and how will you handle. 28. If one customer Demands for Locker and you do not have vacant locker except some kept for emergency purpose and customer is an adamant doesn’t want to give any additional deposit how will you handle? 29. If you are a Creative and Innovate person how will you find job satisfaction where with systems and procedures to be adhered strictly?
REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 14
SRK
30. What are all your strength and weaknesses? 31. What is difference between Leader and Manager. 32. You want to be a good Leader or Manager? 33. What do you mean of Delegation? Is Delegation transferring the responsibility on other person? 34. What is ROC when it has to be done? 35. If you are posted in a branch where worst performing branch what steps would you initiate to make the branch as performing branch.
36. What is ASBA? 37. Can you explain about MCLR? 38. Fair Practice code is applicable for? 39. Our Banks Founding Priciples. 40. Why frauds are taking place in financial sector?
41. Can you tell about our Corporate Goals for the financial year? 42. Explain about Canara Trade Scheme/Vijetha/CAP/Athidhi. 43. Tell about Project Shikhar 44. What is CRILC? 45. CDR Mechanism can you explain?
46. What are all the Trainings you have attended and what are all the subjects covered there? 47. Tell about Recent HR Training conducted in our Bank. 48. Are you aware of recent episode of PNB. 49. Can explain about PCA. 50. What do you know about CLAPS package.
51. What is cross selling. 52. If a customer gets CIBIL score of 747 as a Branch Manager can you sanction a loan of Rs.3 lakhs. 53. One of your customer having a limit of Rs.20 lakhs which was sanctioned by you if he requires a Adhoc credit limit of Rs.2 lakhs can you sanction? 54. Can you explain about the features of Canara Mserve, Canara Mobile, E info book, Bhim Empower, other tech products. 55. What is importance of DSCR.
56. What is our Banks’s Net and Gross NPA what is the Bench mark and what is the impact on that in a simple way please explain. 57. What is quick Ratio? 58. What is SWIFT?
REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 15
SRK
59. What is the Recent concept of “i-lead” in our Bank? [Inspiring Leads system] 60. Can you explain about Sukanya Samridhi Account and what are all the benefits to customer as well as banks.
WISH YOU ALL THE BEST
SRK
REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 16
SRK