PROJECT WORK

On

AXIS Bank

Nayan Powrel
Batch No 652

An assigned task by – Skills Marks Management Pvt Ltd, Kolkata

 ACKNOWLEDGEMENT

I would like to express my special thanks of gratitude to my coaching centre mentor

Debashree , who gave me the golden opportunity to do this wonderful project on
private bank of India. I came to about so many new things I am really thankful to
them.
Secondly I would also like to thank my parents and friends who helped me a lot in
finalizing this project within the limited time frame.

Nayan Powrel
Batch no : 652
CONTENT

1. Introduction
2. Products and Service
3. Vision, Mission and Values
4. Mergers and Acquisitions
5. Corporate social Responsibility
6. Listing and Shareholding
7. Business Model of AXIS Bank
8. Conclusion
INTRODUCTION

Axis Bank is the third largest private sector bank in India. The branch has a large footprint of
4758 domestic branches with 10990 ATMs and 5972 Cash recycler spread across the country
as of 31st Mar 22. Axis Bank is one of the first new generation private sector banks to have
begun operations in 1994. The bank was promoted in 1993, jointly by specified undertaking
of Unit Trust of India (SUUTI), Life Insurance Cooperation of India, General Insurance
Cooperation of India, The New Indian Assurance Company Ltd , The Oriental Insurance
Company Ltd, The United India Insurance Company Ltd. The Share holding of Unit Trust of
India was subsequently transferred to SUUTI, an entity established in 2003
With a balance sheet size of Rs 11,75,178 Crores as on 31st Mar 22, Axis bank has achieved
consistent growth with a 5-years CARG of 14% each in total assets and advance and 15% in
deposits.
PRODUCT AND SERVICE

Axis Bank offers a range of financial products and services to its clients throughout the
country. It also has special strength in retail and corporate banking. Axis Bank offers
following services:

 Personal Banking
 Corporate Banking
 NRI Services
 Priority Banking

Personal Banking

 Account:
 Zero Balance Saving A/C
 Easy Access Saving A/C
 Women’s Saving A/C
 Senior Citizen’s A/C
 Defence Salary A/C
 Demat A/C
 Trust/ NGO Saving A/C
 Pension Saving A/C
 Deposits
 Fixed Deposit
 Recurring Deposit
 Tax Saver Fixed Deposit
 Insurance
 Life Insurance
 Health Insurance
 Motor Insurance
 Personal Accident
 Business Advantage
 Loans
 Home Loan
 Car Loan
 Personal Loan
 Study Loan
 Consumer Loan
 Loan against share
 Loan against property
Corporate Banking
 Instant Fund Transfer
 Internet Banking
 At-Par (Multicity) Chequebook
 ATM or Debit Card
 Mobile Banking
 Free Monthly Account Statement
 Current Account for Govt Organisations
 Current Account for Builders & Real Estate

NRI Services
Any person resident outside India may open NRE account. This account
permits a NRI to hold and maintain foreign currency earnings in Indian rupees.
The principal and interest earned on these balances are freely reportable.
Whether an individual are a student, a professional, a salaried employee or an
entrepreneur, this account will meet all an individual’s banking need.
Features
 Low minimum balance requirement of RS 5,000.
 ‘Multicity’ cheque book which will permit An individual to make
payment via cheque across multiple location.
 Free iConnect: 24*7 account access through secure internet banking
facility from anywhere at any time.
 Free personal accident cover of Indian Rupees 2,00,000 on Axis Bank’s
Debt Card (The insurance cover will come in force only after An
individual make his first successful payment transaction at any
merchant establishment.

Priority Banking – Resident

 Personalized Service
 Investment advisory Services
 Prefential pricing of banking products/services
 Lifestyle privileges.
VISION MISSION AND VALUES

Axis Bank Foundation’s Vision is to reach out the most-in-need communities in some of the
poorest region of the country. In the first phase of the mission (2011-17) , ABF has worked
with the communities from the poor district of India and reached out to more than a million
participants taking them to a part of transformation, both economically and socially. In the
new phase (2018-25), ABF is commited to work with 2 millions household in their journey
towards better livelihood means that can sustainable and will lead to the next level of social
transformation. This will be achieved by building strong community institutions, producer
organisations , market linkages , etc and there by building resilience.
ABF place significantly high focus on women and their role in its livelihood as a way to
address gender balance and empowerment.
The Programs encourages creation and support of women Self Help Groups (SHGs),
improving their capability in financial management, asset creation, health care awareness,
micro enterprise management and awareness on govt schemes. Women are also supported
with opening of Bank Accounts in their name, linked with market or supply chain to help
them in their enterprises. While ABF through its interventions provide considerable
economic prosperity to targeted house holds, it also work towards setting measures to
increase the welfare quotient of the household for it to be commensurate with the
economic prosperity achieved.
MERGERS AND ACQUISATIONS

Axis Bank offers capital market services where in its serves middle market with best-in-
class advisory services that provide flawless solutions. We identify and device and execute
customized innovative solutions for all the requirements of our clients so that they
experience smooth mergers and acquisitions.
Through their experienced team, its market leading domain knowledge and ever developing
network of relationships continues to be at the background of various landmark
transactions in the domestic and the international market ranging from USD 20mn to over
USD 500mn, thereby making it one of the premier middle market advisors in India.
The Mergers and Acquisitions in India team is headed by Mr Debrato Sen, who brings more
than 16years of work experience in investment and banking across all segments globally.
Overall team has a combined investment banking experience of over 75 years. Some of the
key strengths acquired by the team over a period of time, which help them stand out in the
market include:

 Board room relationships with corporates of all size-SME, Mid-Corporates, Large

Corporates and conglomerates across various sectors.
 Extensive relationship with industry groups and regulatory bodies.
 Domain expertise and strong Research desk.
 Regulatory know-how through experience and market leading presence in Debt and
Equity capital markets.
 Deal Structuring Capabilities and Closure experience.
 Domestic and International geographic reach.
CORPORATE SOCIAL RESPONSIBILITY

At Axis Bank, they focus on building a fair, diverse and performance-driven culture that is
guided by their Core Values and committed to creating equal opportunities and driving the
personal and professional growth of its employees.
Their emphasis is on attracting the best talent, strengthening their commitment to diversity,
equity and inclusion and ensuring the safety of their employees and their families.
Their CSR philosophy has always been to make a meaningful and measurable impact to the
lives of economically, physically and socially challenged communities of the country through
an intergrated approach of development. Their approach to community actions aims to
leverage our national presence, their strength as a financial institution, and the strength of
collaboration to bring positive and sustainable change in the lives of citizens in some of the
most socio-economically deprived parts of the country.
Overseen by their CSR committee of the board and guided by their CSR Policy, their
interventions adopt a multi-dimensional approach focusing on creating sustainable
livelihoods in rural India, promoting education and skills development, supporting financial
literacy and financial inclusion of un-banked and underbanked sections of the society and
promoting environmental sustainability, and driven directly by the bank, the Axis Bank
Foundation or their experienced implementations partners.
LISTING AND SHARE HOLDING
Axis Bank’s equity shares are listed on the Bombay Stock Exchange (BSE) and National Stock
Exchange of India (NSE). The company’s global depository receipts (GDRs) are listed on the
London Stock Exchange. The Bonds issued by the bank under the MTN programme are listed
on the Singapore Stock Exchange.

Shareholding Pattern
Total promoter Holding 8.19%
Mutual Funds 23.22%
Other Domestic Institutions 8.29%
Foreign Institutions 49.45%
Retail and Others 10.84%

Sales

Total Promoter Holding Mutual Funds Other Domestic Institutions

Foreign Institutions Retail and Others
BUSINESS MODEL
It invests in sovereign and corporate debt instruments and engages in proprietary trading in
equity and fixed income securities, foreign exchange, currency futures and options. It also
Invest in commercial paper, mutual funds and floating rate instrument as part of the
management of short-term surplus liquidity.

CONCLUSION
 The study mainly was on the customer orientation that how they think, what they
want from their banks and how they take decision going to any bank.
 In this study I found that the bond of Axis Bank with its customer is very strong,
because axis bank mainly focuses on retaining their customers.
 This study finds that however Axis Bank is not leading private sector bank but its vast
range of products and availability of options make it one of the better banks in India.
 The bank should focus on the semi urban and rural market because these markets
are very good opportunity for someone like Axis Bank which is in growing in face.
Without expanding in these market Axis Bank can not be a leading bank so they
should focus on this market.
 The Bank should focus on mass banking in order to increase their market share. They
should launch such products which would be within the reach of the lower middle
class.
 The bank should pay more attention on giving updates and should increases the level
of service providing because the competitors of axis are better in this area.
 The bank should try to increase the use of technology like mobile and net banking
among its customers.
Bibliography
I have taken help from the following sites
Sites:
1. https://www.axisbank.com
2. htpps://www.wikipedia.org
3.htpps://grow.in
4. htpps://www.slideshare.net
5. htpps://startuptalky.com