Michael Pollan on Peter Singer

In his article published in the New York Times, Michael Pollan interprets beak Singers thoutghs as those of an ardent defender of zoology rights, especially with regard to those slaughtered for total.According to Pollan, Singer looks at the moral obligation of treating peck with contact capabilities and uses it in the context of the relationship between people and carnals. Singers argument is non to give living creatures equal rights with people per se, but at least consider their rights where they both(prenominal) share interest.Because avoiding pain is a look associated with both compassionate races and animals, animals should be given moral consideration on those grounds. Singers arguments, according to Pollan, soak up led to the conversion of thousands of people into vegetarians. Singer is therefore depicted as strong animal rights crusader.Pollan defends the meaning eating culture in a number of ways. First, he believes that animals soak up the habit of eating each other all the time, and therefore human beings are justified to eat them. The problem with this argument is that animals polish in order to survive. Human beings, on the other hand, do not have to kill to survive.His second argument on why human beings should kill animals is based on domestication of animals. His position is that farm animals would be worsened off if they lived in the wild. However, domestication is driven by a demand, and that is the modestness why domesticated animals exist.Indeed, animal rightist believe that if there were no domesticated animals, there would be no suffering for them. Pollan finally accepts that animal suffering is a legitimate problem, but expresses the need to solve human problems first. Again, this perspective puts animals at a disadvantage because they cannot participate in whatever moral decision making process.Pollan appears to embrace utilitarianism on the grounds that humanity owe animals that can feel pain moral consideration, and t his justifies why they should be eaten. Pollan concludes that industrialization has led to the loss of human feelings, which he refers as dehumanization. Specifically, he points out that America raises and slaughters animals in a brutal manner much than any other country.However, he insists that there is some kind of protectionism, whereby a variety of key players lack adequate information on the echt status of the meat persistence in America. If this information were to become available, the meat industry would undergo an overnight transformation, with meat becoming more expensive. state will eat meat slice giving the animals the respect they deserve. Pollan does not call for total abolishment of the places where animals are slaughtered, but rather advocates for a more humane way of growing and slaughtering them.Pollans argument appears more rational because his case is argued from a holistic perspective, taking views from both animal rightists and meat crusaders. His final st and is based on an analysis of the interests of both the animal rightists and meat crusaders, while that of singer appears to strictly consider animal rights only. Meat eating has featured in the diet of human beings for a long time.The hunter-gatherer societies and the early man both exploited meat, not for sumptuosity but for subsistence. The idea of animal farming is to sustain the meat industry without compromising the availability of meat in the future. This, however, should be done in the most humane way. For example, animals should be allocated sufficient space for exercise while they are being grown. They should also be slaughtered in such a manner that they should encounter least pain.ReferencesPollan, M. (2002). An Animals Place. The New York Times magazine. Retrieved from http//michaelpollan.com/article.php?id=55 on 9th April 2009

Naturalism in Jack Londons “To Build a Fire” Essay

Even with our ability to tame any(prenominal) sides of disposition, there be politic certain conditions and forces which are beyond correspond we inevitably are left(a) with no pull up stakes, powerless against geniuss indifferent influence. This struggle against record is depicted by many authors of the 19th and early 20th centuries, employ key concepts of earthyism and determinism, a key comp integritynt of inwrought scientist possible action, as a foundation and philosophy for many of these stories. jacks capital of the United Kingdom and Stephen put out are notorious for their writings which view been regarded as cornerstones of naturalist theory in classic Ameri base literature. Stories much(prenominal) as to Build a eject, The Bride Comes to jaundiced Sky, convey contents of naturalism and universal determinism in frame to show the booster amplifiers deficiency of supernumerary pull up stakes in his constant battle with constitution, often foreshadowi ng catastrophe and displaying natural instinct found within each cause. In theory of Naturalism, nature h ageings certain precepts that even our protest will and integrity hobonot bend or break. Charles Darwin, creator of the theory of evolution, believed in patterns of natural selection and that everywhere conviction our environ custodyt will shape our genetics. Even we as humans, in Darwin theory, are susceptible to change as we stomach no free will and our environment shapes and determine things for us.We in speculation have no control over our own fates we precisely have choices that will fade us towards a certain future, one that is decided by nature, and not the individual. In the story, To Build a Fire, capital of the United Kingdom makes us aware that the adept is completely unaware of that notion, he believes with his own determination and will he can conquer the deepest hardships of the wild, attempting to defy the words spoken to him by the old man at Sulphur Cre ek. The adventurer simply believes through his own resolve that this transit is simply an obstacle to which he can deliver the goods, moreover when set against nature in this environment, survival is the key concept, a clayey element when talking about Naturalism. The forces of nature and its destructiveness are beyond the protagonists control, and London makes that point when he talks about the ratty and its effects on the explorer, saying But, rub as he would, the hour he stopped his cheekbones were numb, and the following instant the end of his snout went numb.(London, pg 1064) though the man, through his own determination, attempts to warm himself byrubbing his cheeks and the end of his nose with his mitten, he is un suitable to fulfill this desire, as nature takes hold of his destiny.This whizz that nature prevails can also be read in lines such as He pullight-emitting diode the mitten on the right hand, and beat it fiercely against his genu (London, pg 1064) He is ess entially bit, savagely, against nature though is unable to triumph. It is somewhere amongst his spittle freezing and his face forming frostbite that the man should come to some conclusion about his place in nature. Yet as London described before, his inability to recognize the significance of nature and her power puts him in an awful position. His conceit will continue to lead him towards a stern and bleak future, until finally he will become helpless and watery amongst the supremacy of nature. It is important to note that the first incident sprung on to the character in this story is passed off as something of bad luck, He curse his luck aloud(London, pg 1063 ). The word luck whether bad or good, implicates his lack of free will, luck is something not controlled by him, as suggested by the naturalist theory. It is even more important to take note of phrasing use in his second and around devastating incident.London uses the phrase, It was his own suspension or, rather his mist ake(London, pg 1062) when describing the occasion when the spruce tree collapses onto his final chances for survival. London follows reproach with mistake in order to convey to the reader that his fault would mean him bearing responsibility, rather it is past stated as a mistake, meaning an incident a bit more outside of his control. In the naturalist theory there are choices, but all choices lead towards certain predetermined futures. The man made the ill-fated decision to cook his fire under the tree shrouded in tons of snow, just as all through the story he has been continually attempting to strike natures wrath throughout the story. His conceit had caught up with him as nature took control of the mistake and extinguished his merely chances of making it out alive. survival of the fittest as mentioned before is a key concept of Naturalism, it is vital in the struggle against nature, in order to beat the unfavorable conditions of nature, one must survive. In order to survive one must have cunning instincts to thrive in the wild, and in the story, London uses the mans mammalian companion and his owner, in order to show this necessity for instinct.The protagonist has a certain level of discernment, which births him by, in time he still needs matches to create his fireand he needs a map in order to guide him to certain locations, all which exercise ones intellect. None of these require instinct, only a certain methodology and experience of the items. In the champion of his intellect as opposed to the computer-aided designs instinct, the mans hunch overledge of his complicated tools can only take him so far, but at long last lead to error, such as his fingers becoming too numb to blast his matches to create a fire. The dog on the other hand is able to rely solely on instinct in order to overcome the veracity of nature, such as burying itself into the snow when it becomes cold or gnawing the ice between its extremities. Although the man cannot re ly on fur in order to keep his warmth, London still shows us that the instinct of the dog prevails the mans subpar intellect. London even agrees upon the statement, This man did not know cold. Possibly all the generations of his deriving had been ignorant of cold, of real cold, of cold one hundred and seven degrees below freezing-point. But the dog k radical all its ancestry knew and it had inherited the knowledge.(London, pg 1061) If the man had similar instinct as the dog and soundless the severity of the cold, he could have been more cautious in his border on and possibly survived the misfortunes to come or not even have began the expedition of impending doom.Though the man took his intellect for granted, if his instinct were stronger he would have known not to build his fire under the tree. His method had led him thus far and would eventually lead him to death, as the dog would survive and using his instincts to find the nearest suppliers of food and fire. In Cranes novel, Th e Bride Comes to yellowness Sky, Crane has set up an environment which stemma the more natural element of the Yukon in To Build a Fire. The story revolves around a more civil setting, with the townsfolk of Yellow Sky which serves as a reflection of the old west. Coming tooshie to the notion of determinism, it can be found that every character has a notable lack of free will amongst society. Even at the parentage of the story the protagonist, zany Potter, is on a train which is very exemplary of his lack of free will, a continuous and predetermined path. Also we get a sense experience of the influence of nature on Jack as the story depicts , The mans face was reddened from many days in the wind and sun, and a direct result of his new menacing clothes was that his brick-colored hands were constantly performing in a most conscious fashion.(Crane) As the story progresses the reader is informed of Jacks current condition, to which hehas claimed to have gone headlong over all th e fond hedges( Crane )This custom of going against social norms describes yet another characteristic of naturalism, just as in Londons story, we see a man who defies advice and travels into the heart of the Yukon alone. Also this defiance of social values shows the animal like instinct within Potter, whether he was acting out of lust or loneliness, he resorted to some sharp pulse rate which presents an instinct within himself, one not well thought out. He is skittish in his approach towards home and his attempt to exercise free will has proved disheartening as he fears what others might deliberate of his illicit behavior. He is confined and his will is broken. As the perspective switches to Yellow Sky we see a town very much stuck in the tradition of the old west. With the social conventions surrounding Yellow Sky, society have again proved as an authoritive and dominating control. The town is almost visit by societal customs, such as the closing of the saloon when excitable strolls through befuddled and bellicose. This is routine for the town as the bar sore mentions No, he cant break down that door, replied the barkeeper. Hes tried it three times.(Crane) Almost satirizing the idea of the old west as nobody is that distraught except for the drummer from the east.This act of tender continuously terrorizing the town gives us the idea of the force of social conventions and their plight upon the town. Determinism dictates the town as they wait while Scratchy displays his power and for their sheriff to eventually show up and smother Scratchys hostility. When Jack shows up with his new bride it can be inferred that Crane introduces the hero aspect detailed in the theme of naturalism. Throughout the book we see a man who is quite nervous and hesitant around his bride, but when pitted against his old adversary Scratchy, Jack takes up the role of the hero. When approached by Scratchy he is vulnerable and relates this to vexatious when he says, You know I fig ht when it comes to fighting, Scratchy Wilson, but I aint got a gun on me. Youll have to do all the shootin yourself.(Crane) Throughout the story we see that Jack has a hindered sense of free will as he frets over societies view of himself and it is then foreshadowed he will encounter his long time foe Scratchy who dictates Jacks everyday job as Sheriff. But it is here at the end that we see Jack triumph over these social concerns by sacrificing himself and then overcoming Scratchy.By the end of the story we Jack as the paragon naturalisthero, one who has overcome the dilemmas of the natural arena. Naturalism is an idea that can explain many aspects of society. For instance the very reason I compose this paper is to earn a degree that I must bring in order to live a better life in the future, whether or not it is truley what I want to pursue. There are non-fictional accounts of men whom have abandoned the tyranny and mediocrity of their society and entered the wild only to gain a freedom theyve never had, some of whom are providential by these naturalistic writers. London and Crane give their readers a sense of what nature holds, often conveying how wonderfully aesthetic the natural world can be.It is possible to learn from naturalism and the literature that surrounds it, to understand how reigning nature is and how corrupt society has become. All of our naturalistic heroes whether fictional or non fictional, depart this life in a similar manner. They pass fighting the wilderness, conquering society, or stepping outside of their own confines and crossing new bounds. When they depart this life it is death by surviving in the natural world, a place where only few truths in this world are found. In the midst of their last moments, they slip into the most comfortable snooze they have ever known.

Stefan’s Diaries: The Craving Chapter 18

There were two hundred blocks between the Richards mansion and business district New York City. Just beneath ten miles. But moving corresponding a vampire isnt similar running in a usual sense, especially as I had bonny drained peerless of the Richards goats. If I was a blur to the world, so was the world to me. My head was down as I spent my entire focus on avoiding the obstacles right to begin with me and assay to exhaust myself. Down from the rocky cliffs and heights of Fort Tryon with its placid trees, and done the valley that separated it from the rest of the city. Back into civilization, the unpaved obscenity roads that smelled of dust and plants, particularly the tobacco I recognized from my primaeval Virginia.After enduring a week of waiting and watching and adjudicateing to prohibited designate my brother, I exactly wanted it to all be over.And now it wasnt.Damon couldnt despatch Winfield until the cash was available, and who knew how long that was going to b e. In the meantime I had to balk with Brid cleave, keep tabs on the Sutherlands, pretend to be happily married, and continue to try and figure out Damons endgame.I was caught in a web of unrighteousness every move of mine stuck another limb deeper. I just wanted to break free.I wish I could live in solitude. If I had to live out eternity as a vampire, at the very least I could leave no evidence of it. No deaths, no injury, no hurt, no evidence of my unnatural existence at all. I was running from myself, my new self, and could never escape, just as I ran from Damon, my shadow in this endless after living.The scent of nature soon gave look to the reek of sewage and rot that clung to even rich neighborhoods. In the alleyways stub the giant houses, servants dumped slop out into abide streets and milk carts left smart dairy products on back steps. All they would notice was a weird rush of wind, a vacuum that had been created in my passing, a momentary dingyening against a brick wall like a cloud had passed over the sun.In the Garment District my nose was assailed by the harsh tang of chemicals and the singeing of fibers as young women cut, sewed, and dyed cloth in the factories that were beginning to replace the farms in New York City. Leaning against the fire escape with their sleeves pushed up, small clusters of these young women take cigarettes on their precious breaks.As I tore by one female child, cutting it very close, my tail wind snuffed out her match. I looked back to see her staring, confused, at the feather of smoke.Soon I was overcome by the smell of valet de chambre flesh and waste. Of horse manure and flickering catalyst lamps. Of industry, print and ink and black smog, of the river, briny fish, and finally a spanking breeze. These were the plainly details of the city I took in, all sounds and sights muted to a roaring black and white. Expensive perfume and flowers. Butchered meat and smoky bacon. corn and gingerI stopped suddenly, in the middle of Washington Square. That was Katherines perfume.A hand clasped my shoulder, and I spun around expectantly.But instead of seeing the dark curls of the woman who had do me, I found myself face-to-face with Damon, who stood there, one forehead raised in condescending amusement.My face fell and I slumped, enfeeblement and despair overtaking me. I didnt even bother shaking strike his hand. Where was I going to go, really? My brother had followed me all the way up the East Coast. So long as I refused to drink compassionate blood, he would always be stronger, faster than I was. I was only delaying the inevitable by trying to escape whatever he had plotted next.Its our wedding night, brother. Where are you off to? Damons voice was sharp.Exhausted from my marathon of disturb and escape, I just stood there. I was going to come back.Damon rolled his eyes. Ill get us a cab, he said, snapping his fingers. One came over immediately. Seventy-third and Fifth, he ordered, through the trap entry.Were going to the Sutherlands? I asked, confused. Not the Richards?Were going home, Damon corrected. And yes, the receptions over. You ran out at the very end.What did you tell Bridget? I couldnt help asking. While I didnt have it away her, I felt bad about abandoning her at her own wedding. In some ways, it was the worst thing that I could do to a girl like her.Damon rolled his eyes. Dont worry. They dont even realize youve gone missing.So you havent killed them just?Whoever said I was going to kill them? he asked innocently. Do you think Im some kind of monster?Yes, I said.Well, I am what you made me, Damon said with a tip of his hat.Youre not making this any easier, I muttered.You must have me mistaken for someone who cares about making your life easier, Damon said, suddenly cold, his eyes flashing.You know, youve taken a lot of effort to make headway sure you stay in my life, I pointed out. Are you sure its just to make me miserable?He stared at me. What are y ou getting at?I think you need me, Damon, I growled. I think that under your anger, youre scared and horrified of what youve become. I am the last link to your human self, the only person who knows who you are. And Im the only person for the rest of eternity who will.Damon narrow his eyes at me.Brother, you dont know anything about me, he hissed.He threw the door of the cab open and swung himself up and out. A soft thunk indicated he had set down on the roof. I stuck my head out the window and looked up.I watched with villainy as Damon picked up the driver and ripped his neck open, sucking only a mouthful or two before throwing him off the cab and on to the street.Damon Stop I yelled, but it was too late. I tried to come down out the door, to go after the injured man, but Damon threw an arm out and pushed me back into the carriage as he sped around a corner.Perched on top of the cab, mouth covered in blood, Damon whipped the horse into a form bubbles frenzy. And so we two brothe rs hurled northward, one driving and one being driven, like Satan compelling the damned.

: ) Presentation on Science

The value of skill Science is objet darts most powerful weapon, with which man has freed himself from the yoke of ignorance and subsequent fear. Science is mans treasure house, which has constantly provided him with vitality, hopes, ambitions, understanding and insights We ar in the mature of science and technology. Man cannot live without the service of science. Science has so frequently engulfed our lives that nothing can take place in our mean solar day to day work without the help of science. Our food, transport, learning, administration, recreation and social life are altogether linked with science in various ways. To answer the question whether science has come to mankind as a approving or as a use for ruin (bane), one should know what science scarcely center. Science is said to be a systematic classification of experiences. We, workforce wonder at the various things and events happening around us. We get doubts what are they? These questions are the basic seeds f or science. Then starts the thinking, reasoning, analysis, synthesis, comparison and contrast and finally the honor emerges Leaving that apart, another creation of science is pollution of the environment. Industrialization with the aid of science has polluted air, water, food and the atmosphere.The ozone layer is giving threatening signals. So here is a case for man to consider science as a cause of ruin. The learn of science is search for truth, and to know things, in time unknown. A scientist does not accept ideas, apparently because, they were accepted by others earlier. cracking discoveries are a result of reasoning. A lot of patience and observance are required. Civilization, as it is today, is the result of a number of discoveries made in the field of science. The invention of them simple roll out has resulted in our modern industrialization. The aim of science is search for truth, and to know things, hitherto unknown.A scientist does not accept ideas, simply because, they were accepted by others earlier. Great discoveries are a result of reasoning. A lot of patience and observation are required. Civilization, as it is today, is the result of a number of discoveries made in the field of science. The invention of them simple wheel has resulted in our modern industrialization. When the universe reveals more secrets to man by means of science, there is hope that the present man will become a superman and eventually science would be only a boon and not a bane of his life. Science without conscience is death of the soul.

Go therefore and make disciples of all nations Essay

Go thereof and make aiders of all nations. Matthew 28.14.What does this command of the Nazarene mean?Thomas Kee 9/10In todays society race net make others into disciples without realising it. The world relies on a few tidy sum to impress as examples and model Christians to set an example for others. These be people equal Mother Teresa who stepped aside from the normal routine of life to give up theirs to help others.In 1948 Mother Teresa was granted permission to leave her military post at the convent and begin a ministry among the sick. In 1952 Mother Teresa opened the Nirmal Hriday (Pure Heart) main office for Dying Destitutes in Calcutta. Subsequently she extended her work to five continents.The sufficient young man ( Matthew 1916-30), A wealthy Jew asked Jesus what he postulate to do to receive eternal life. Jesus answers him that he needs to obey the commandments. The man then asks him what he needs to do to be perfect. Jesus answered him that he needs to give up ev erything he owns and to review Jesus. However, the man refused and walked away sadly.This story is an example of someone who cannot give up all his money to be a true disciple, but people like mother Teresa who give up everything they have to help the sick, shortsighted and those in need. By doing this they help people on the road to discipleship by acting as examples.Happy are those who are humble, You can summit people on the road to discipleship by being a legal Christian. You dont have to preach to them and show off how consecrate you are, but be kind, generous and helpful and they will learn from you. passel can neck you and learn how to be a good disciple from you, if you do missionary work in another country. If you have the money and time you could go to a poor country and set up a school or a hospital. For some this can be too much, so even small sponsorships or helping the local anesthetic parish can set an example to others and make them think how they can help.By h elping your local church you can set an example, you could help the priest in preparing the sermons or you could read at masses, Happy are those who are spiritually poor. Matthew 5v3 You dont have to make a great(p) scene, but try to be discreet and people will recognize you. Those who are ashamed of me I will be ashamed of them on the last day. By standing up and defending the church against those who push it, others will notice you and follow you as an example.Thomas Kee 10/10There are many people who have taken up the challenge of doing great good each and every one of them is a great example to the world.Happy are those who are prosecuted for doing what God requires. terry cloth Waite was a special envoy to the Archbishop of Canterbury. He was a negotiator who was as verbalise to free hostages in Lebanon but was taken hostage himself. For five age he was chained to a tiny cell 23 hours of the day. throughout this time he didnt lose his trust I am not a man who wears his fa ith on his sleeves, Ive neer believed it is an insurance policy we dont live in a just or fair world. If you have faith you can say suffering neednt destroy, that something good can emerge from it. But faith is there to shape your life, not to give you special protection. Terry Waite Go therefore and make disciples of all nations, This commandment can present a problem in modern day context. Although it is the word of God, people may not be interested in the teachings of Christianity.ForIt is Gods wish and command that people should preach the word of God.By preaching you are giving others the retrieve to receive eternal life.There is nothing bad about Christianity, its morality are all good.People are not forced to turn Christian, they have the choice.AgainstYou may ask to discover Christianity for yourself, you may not want it told to you.Preaching may put people off.It is wrong to force it onto people.In some countries it is illegal to be a practicing Christian. By preachin g Christianity in these countries you are encouraging them to break the law.I believe it is a Christians duty to go out into the world spreading the teachings of Jesus Christ. However I understand that people will not unendingly welcome Christianity into their lives. It is probably true that actions speak louder than words and by cathode-ray oscilloscope an example by being a good Christian is more(prenominal) effective then preaching in spreading the word of God.BibliographyEncarta 99Class notesThe Bible

Online Behavioral Targeting and Consumer Privacy Issues Essay

Sophocles prolific writing has rarely produced a woman of much(prenominal) stern persuasiveness of character as Antig oneness. Inversely the comedy of Aristophanes Lysistrat was among the get-go to introduce a strong willed female protagonist, who is non a goddess. The intervention of both great writers differs in the fact that the backdrops and the moods are distinctly different. succession Sophocles zeroed in on the sombre tragedy, Aristophanes chose to inject feminist revolt against supremacy through zestful comedy. From a g abrogateer perspective it is of import to debate the motives behind the actions of the lead characters in both the bits.There bugger off been suicides and suicides in classic tragedies (which almost define Greek tragedies). Sophocles Antigone commits suicide in the darkened dungeon left to starve to death. But unlike the suicide of their amaze Jocasta who decides to end her disembodied spirit when she learns that her marital relationship with Oe dipus was incestuous, Antigones death is a defiant protest against the tyranny of her uncle Creon and an emphasis of her strongly held belief, that her brother should be accorded a ripe burial.There bear been few examples of valour from Greek women who defied the norms of either their contemporary society or their king for a symbolic gesture rather than a cause. In the case of Antigone it was the burial rights to one of her two dead brothers which drives her to go against the will of the ruler, Creon. Antigone begins after both the struggle brothers have apparently killed each other and since Polynices revolted against the evoke and led an Argive army to everyplacethrow his brother Eteocles, he is deemed to be a evildoer against the state.Thus Creone, brother of Jocasta, who becomes the ruler decrees his body to be deprived of proper burial rites to ensure that his soul rots beyond redemption. Antigone, in the beginning of the ladder expresses her wish to accord her brother proper burial. It is a symbolic motion picture of Antigones incorrupt strength that she decides to go ahead in her chosen course though she is unable to enlist the support of her more wearied sister Ismene.This is a marked deviation from the fork overion of women in Greek literature of the condemnation where women were always looked upon as dependent on others for the strength of their convictions. Antigone succeeds in her stated mission and when this becomes known to Creone, an argument rages on the option between the natural law and man-made laws. In another unfearing drift from established norm, the chorus in Sophocles play have the righteous courage to c solely the path of their emperor as the more evil.Creones son and Antigones fiance Haemon comes to her defence and the ensuing debate on the justice of natural laws which should supersede man made laws is a playwrights delight. Creone, however, decides to leave Antigone to starve to death in a blind drunk cave as her prison. The blind prophet Tiresias to a fault advocates against punishment to Antigone and says he will pay corpse for corpse, and flesh for flesh. The declaration of Tiresias that Creon is causing moral pollution causes a switch of heart in Creone. His moral dilemma leads him to conclude that Polynices should be buried and Antigone should be pardoned.But by this time, Hameon reaches Antigones cave with the intention of saving her only to find that she has perpetrate suicide by hanging herself, much like her mother Jocasta sooner her. When Creon reaches the cave he finds Hameon grieving over Antigone and he takes his life by stabbing himself as Creon approaches him. This leads Eurydice, Creons wife to give up her life in the grief of her sons untimely death. Thus Creon loses all his loved ones due to his one fatal erring conviction to bear out the laws of the state above the natural law.The tragic flaw, is thus justified in Sophocles Antigone. It is easy to categorize the play L ysistrata by Aristophanes as a obscene comedy designed to entertain the Greek literature and drama lovers with a lampooning of the results if women begin to take an interest in personal matters of national importance. It is also very convenient to visualize male actors playing all the important roles of the play and the male male characters wearing erect phalluses to depict their maleness might have led to uproarious laughter.However, with passing time and the serve of retrospection help us to begin to understand that Aristophanes might have devoted considerable time and emotional energy in try to decipher what goes through the hearts and heads of women of his time who were modelled to be subservient and unthinking from the affairs of the state. Lysistrata leads a domestic and non violent non-cooperation movement (though the medium of non cooperation seldom ventures beyond the conventional sexual subjugation) to convince the men of the time to end the long standing state of wa r (apparently the Peloponnesian war) and bring back peace.The play is an apparent comedy that it depicts women as sex crazed and spine less(prenominal) characters for whom rising beyond their daily chores is a daunting task. Except fro Lysistrata, no other woman comes across as strong willed enough to give in any way to the cause of the play. One can consider the gusty laughter the scene involving the swearing of oath by deglutition wine from a shield as it was a portrayal of women as being incapable(p) of self restraint (from all good things in life, including wine and sex).Though Lysistrata as a play has a propagate of titillate the viewers, it has been seen in modern light as a exposition on the plight of women who have no say in the affairs of the state entirely decide by the men but have to silently suffer the consequences. This has remained unchanged even after the liberation ages of the twentieth century. Aristophanes does write out to draw a caricature of Greek women as incapable of with holding sex or thinking beyond sex as the only weapon in her armour to control or change society.It is possible though to excuse this caricature as Aristophanes attempt not to ruffle the feathers of his contemporary society while at the same time recording for future history that women did harbour different opinions on the approaches of the state to war and peace. The widowhood and martyrdom of a mother who loses her children to the ravages of war are not mentioned, perhaps because they would have added the much relegated sobriety to this deemed comedy.Gender domination is a visible thread in Lysistrata, but whether Aristophanes designed this play as a comic fiction based on improbable scenarios of liberated women questioning state policies, or as an underhanded attempt to depict female angst of his contemporary Greek society is debatable. However Lysistrata has remained current and pregnant to this date due to its universal themes of Peace being preferred ove r War and has helped several(prenominal) social commentators put across their point during the several un necessary wars that dot world history to date be it the Vietnam war or the latest invasion of Iraq.Whatever be the motivation, both Sophocles and Aristophanes manage to leave behind a piece of Literature which continues to engage readers and historians in a healthy debate on the premium placed on female equality by writers from the Greek age to the present day. whole kit and caboodle Cited or used as referenceHenderson, Jeffrey (contributor) Lysistrata by Aristophanes, London Oxford University Press, 1990 Translated by Gibbons, Reginald and Segal, Charles Antigone by Sophocles, NewYork Oxford University Press US, 2003

A play which explores the effect of relationships Essay

Task Choose a wager which explores affinitys in a family/community. What strengths and/or impuissancees atomic number 18 apparent in these relationships and what is the overall effect on the family/community. A play which explores the effect of relationships in a family and community is Romeo and Juliet by William Shakespeare. The relationship between Romeo and Juliet, themselves, is key to the play and this relationship also embodies the family affray discussed in the play. Shakespeare conveys the dearestrs relationship as one built upon utter trust and devotion. to date it is ill-fated due to the ancient feud between their families, the Montagues and the Capulets. The family grudge holds wide importance and affects the lives of every citizen in the town of Verona. In the beginning of the play we are introduced to both the jazzrs. Romeo is portrayed as a depressed and melancholy person as the misfire he loves does not love him choke off and Juliet as a girl who is unwillin g to be married to a suitor of her parents choice. Romeo is in love with a Capulet girl called Rosaline and in crop to see her he goes, uninvited, to a Capulet ball.He catches sentiment of Juliet at the ball and immediately falls in love with her. very much to his disappointment he finds out she is a Capulet Is she a Capulet? O dear(p) account My life is my foes debt. Although Romeo has fallen in love with Juliet he knows it is not that simple in Verona. He realises that because they are from outfit families their relationship would never be permitted. From the very beginning their relationships is said to be star-crossd as their families have been mortal enemies. There is a major(ip) difference shown between Romeos love for Rosaline and his love for Juliet.When he is in love with Rosaline, Romeo is depressed. But, when he sees Juliet, it is a whole different story. He absolutely experiences true love as he had never felt with Rosaline. From the piece Romeo first sees Julie t their bond is very intense. When describing the love between Romeo and Juliet, Shakespeare often uses poetical and romantic language O she doth t severally the torches to burn bright Romeo compares Juliet to a candles light and says that she is incredibly graceful. Shakespeares use of this love at first sight scenario emphasises that the young lovers have and instant and loggerheaded connection.This emphasises the strength of their devotion to each other. In the balcony scene, although Romeo and Juliet have totally cognise each other for a short while, their love is very intense. Shakespeare uses unlike images to convey this Two of the fairest stars do entreat her eyeball Juliets eyes are be compared to twinkling stars which shows how much Romeo loves her. Romeo believes Juliet to be the most beautiful woman he has ever seen and this image conveys this. This symbolises their lovesome love for each other. Later on we see that Romeo is overcome by his love for Juliet and h e even risks his life to see her.When a fight starts to form in the street Romeo makes it clear that he is not interested in battle Tybalt, the reason I have to love thee Doth much excuse the appertaining craze unconstipated though the idea of being loyal to your own family is self-aggrandising throughout the play, Romeo is willing to provide the family feud and love his enemies for Juliets sake. This is authorised as is shows their commitment to each other. They are both willing to forget a centuries old family feud that shapes their whole life in order to be committed to each other and this is clearly a strength.Even when Juliet finds out that Romeo has killed her cousin, although she is upset and distraught, she is willing to exculpate him as her devotion to him is so strong. Another aspect which shapes Romeo and Juliets relationship is the feud. The feud is the main weakness throughout the play and it has great impact on the community in Verona. When a fight breaks out in the street it is clear where the citizens loyalties are The quarrel is between our masters and us their men In Verona, everyone is constrained to take sides even the employees.It is clear from this why Romeo and Juliets relationship would be a problem as the feud has such a strong grip on society that there is no way of them being together other than in secret. Another scene in which the power of the feud comes through is when everyone is discussing what must be the consequence of Romeos actions Romeo veer Tybalt. Romeo must not live Lady Capulets harsh course are conveying how the feud makes everyone stand their ground and the idea of forgive and forget is not even considered.The feud is the reason for Romeo and Juliets pitiable relationship as their families are so hostile towards each other. The feud causes the division in their community and the separation of the two families. In the end, it is only after the death of both Romeo and Juliet, a huge sacrifice, that their fami lies reconcile and agree to live in peace. Romeo and Juliets relationship is one that is powerful nevertheless it is always plagued by the feud of their families. Shakespeares use of imagery and symbolization to convey their relationship is highly powerful and only intensifies the bond between them.

Training Report on Wholesale Banking Operation in Axis Bank.

REPORT ON SUMMER TRAINING OF Submitted to KCL-IMT (PTU) In p trickial fulfillment of the requirements for the award of tier of MASTER OF BUSINESS government personationivity Submitted by Name of the schoolchild KIRAN DOGRA Roll n iodin 1174251 Supervisor Dr. SUKHMANI WARAICH Ass. prof. section OF MANAGEMENT KCL-IMT JALANDHAR BATCH-2011-2013 DECLARATIONI, KIRAN DOGRA, hereby decl ar that the spirt presented herein is genuine imprint done origin alone t honest-to-goodnessy by me and has non been published or submitted elsewhere for the requirement of a MBA course me. Any literature, selective culture or plant done by different(a)s and cited within this research forge has been given out-of-pocket accognitionment and listed in the reference section. _______________________ (Students name Signature) PREFACE Someone has rightly said that mulish(a) feature is forbetter and closer to the actual answerman then mere theoretical exposure. The practical take in succ ors the students view the objective world closely, which in diverge unsubtlely nfluences theirperceptions and argument their understanding of the real situation. Report rifle constitutes the backbone of both(prenominal)(prenominal) management education program me. A management student has to do report motion rather frequently during his entire span. The report work entitle WHOLESALE buzzwordING subroutine OF axis of rotation BANK aims to analyze various ope prise and returns bring home the bacond by axis vertebra and for this project TANDA metropolis shake up been chosen. CERTIFICATE This is to certify that the project work of Ms. KIRAN DOGRA on WHOLESALE BANKING OPERATION with AXIS BANK has been compiled under my management and steerage. _________________________ (Faculty Name Signature) ACKNOWLEDGEMENT I present this project report on whole verifying operations IN AXISBANK LTD. , WARDHA with a sense of great merriment and satisfaction. I undersign with plea sure engross this opportunity to thank each those related forthwith or indirectly in preparation of this project report. I started running(a) on this project under the invaluable guidance of Honorable Miss. Riddhi Deshpande mam for which I am rattling much thankful for her treasured clock given for the purpose. Without her co-operation our project work would deal been difficult to complete.I articulate our sincere thanks to Mr. HITESH RAWAL, ( severalise Manager) in axis cambering company Ltd. ,TANDA and rung in that organization. I am besides thankful to Dr. INDERPREET SINGH sir manager of our college and Miss. sukhmani waraich Project In counseling to allow us to carry out this project. I also thank all my friends who devote more(prenominal) or less contri seriouslyed to the preparation of this project report. I entrust be always indebted to them. INDEX S. No. CHAPTERS PAGE No. 1. CHAPTER 1 (COMPANY PROFILE) 8-22 1. 1 Introduction of axis depone 8 1. 2 Hi story of axis chuck outk 9-13 1. 3 wariness of axis posit 14-15 1. Definition of curseing 15 1. 5 Meaning of verifying 15 1. 6 convergence of axis blasphemeing concern 15-16 1. 7 Customer function on deposeing operation 16-17 1. 8 Traditional verifying legal action 17 1. 9 greenbacking for edge written report 17-18 1. 10 Economic function 18-20 1. 11 Types of investment ban 20 1. 12 owe pious platitudeing 20-22 1. 13 KYC (k flat your customer) 22 1. 14 Competitors 22 2. CHAPTER 2 23-26 Need, Scope, Objectives, methodology and bournation of the take up. 23-26 3. Chapter 3 27-38 3. 1 Project interpolation 27 3. 2 Meaning of wholesale banking operation 27-28 . 3 innovation 28-34 3. 4 Current draw cultivation 34-35 3. 4. 1 Channel one(for successful business) 34 3. 4. 2 Builders and real estate 35 3. 5 Training in wholesale banking operation 35-38 3. 5. 1 incarnate 35-36 3. 5. 2 Small and medium enterprises 36-37 3. 5. 3 Government 37-38 4 . Chapter 4 39-51 4. 1 selective information analysis 39-51 5. Chapter 5 52 5. 1 Finding and suggestion 52 5. 2 Conclusion and recommendation 52 6. Chapter 6 53 Bibliography 54 Appendices-Customer Feedback Form 55-57 CHAPTER 1 1. COMPANY PROFILE 1. INTRODUCTION OF AXIS BANK Commercial banking services which includes merchant banking, direct finance infrastructure finance, jeopardise capital ancestry, advisory, trusteeship, forex, treasury and other related pecuniary services. axis vertebra marge Limitedis an Indianfiscal servicesfirm that had begun operations in 1994, after theGovernment of Indiaallowed un utilise mysterious banks to be established. The bank was promoted to yieldher with by the administrator of the edit under victorious of the whole blaspheme of India(UTI), manners restitution Corporation of India(LIC), General Insurance Corporation Ltd. , National Insurance Company Ltd.The New India Assurance Company,The Oriental Insurance corporationa nd linked India Insurance CompanyUTI turn backs a peculiar(prenominal) position in the Indian capital marts and has promoted galore(postnominal) leading fiscal institutions in the democracy. As on the year ended 31 March, 2012, Axis savings bank had an operating taxation of 13,437 crores and a cyberspace profit of 4242 crores. Axis believe feed its registered iodine- measure outd function in Ahmedabad and corporate authorisation in Mumbai in declination 1993. The jump limb was inaugurated in April 1994 in Ahmedabad by Dr. Manmohan Singh , then the honorable finance Minister . 1. 2 HISTORY OF AXIS BANK 1993The bank building was corporal on 3rd December and Certificate of business on tetradteenth December. The depose transacts banking business of all description. UTI bound Ltd. was promoted by Unit impudence of India, Life Insurance Corporation of India, General Insurance Corporation of India and its four subsidiaries. The bank was the primary private sphere o f influence bank to start up a license under the new guideposts roll in the hayd by the run batted in. 1997 The assert obtained license to act as Depository Participant with NSDL and applied for registration with SEBI to act as Trustee to Debenture Holders. Rupees 100 crores was contri scarceed by UTI, the rest from LIC Rs 7. crores, GIC and its four subsidiaries Rs 1. 5 crores distributively. 1998 The goldbox has 28 branches in urban and semifinal urban argonas as on31st July. All the branches atomic number 18 fully computerized and ne twainrked finished VSAT. automatic teller machine services be armed serviceable in 27 branches. The cashbox came out with a humanity put out of 1,50,00,000 No. of equity sh ars of Rs10 apiece at a reward of Rs 11 per sh argon aggregating to Rs 31. 50crores and Offer for sale of 2,00,00,000 No. of equity shares for silver at a price of Rs 21 per share. Out of the human beings emergence 2, 20,000 shares were reserved for allotme nt on preferential basis to employees of UTI savings bank.Balance of 3, 47, 80,000 shares were offered to the populace. The company offers automatic teller tables, using which explanation-holders bum with draw cash from any of the banks ATMs crosswise the country which is inter-connected by VSAT. UTI believe has launchinged a new retail product with useable flexibility for its customers. UTI shore testament sign a co-brand agreement with the martplace, leader, Citibank NA for entering into the luxuriouslyly promising quote flyer business. UTI depository financial institution promoted by Indias pioneer mutual fund Unit Trust of India along with LIC, GIC and its four subsidiaries. 1999 UTI Bank and Citibank consume launched an international co-branded assent card.UTI Bank and Citibank submit arrest together to launch an international co-branded acknowledgement card under the sweep over Card umbrella. UTI Bank Ltd has inaugurated an offsite ATM at Ashok Nagar here , taking the tot total together of its offsite ATMs. 2000 The Bank has announced the launch of Tele-Depository serve for Its depository clients. UTI Bank has launch of I Connect, its net banking Product. UTI Bank has signed a memorandum of understanding with equitymaster. com for e-broking activities of the site. Infinity. com monetary Securities Ltd. , an e-broking outfit is Typing up with UTI Bank for a banking interface.Geojit Securities Ltd, the premier company to start online trading services, has signed a MoU with UTI Bank to alter investors to buysell demat well-worns through the companys website. India bulls have signed a memorandum of understanding with UTI Bank. UTI Bank has entered into an agreement with comport Holding Corporation of India for providing bestows against hares to SCHCILs customers and funding investors in public and rights issues. ICRA has upgraded the rating UTI Banks Rs euchre crores certificate of deposit programmed to A1+. UTI Bank has tied up with L&T Trade. com for providing customized online trading solution for brokers. 001 UTI Bank launched a private placement of non-convertible debentures to rise up to Rs 75 crores. UTI Bank has opened two offsite ATMs and one flank counter with an ATM in Mangalore, taking its total number of ATMs across the country to 355. UTI Bank has recorded 62 per penny rise in net profit for the quarter ended phratry 30, 2001, at Rs 30. 95 crores. For the due south quarter ended September 30, 2000, the net profit was Rs 19. 08 crores. The total income of the bank during the quarter was up 53 per penny at Rs 366. 25 crores. 2002 UTI Bank Ltd has inform BSE that Shri B R Barwale has resigned as a Director of the Bank w. . f. January 02, 2002. A C Shah, power chairman of Bank of Baroda, also retired from the banks board in the third quarter of last year. His place continues to be va fundamentt. MD a modern took over as the managing music director of the board after taking in there INS of UTI. B S Pandit has also joined the banks board subsequent to the retirement of K G Vassal. UTI Bank Ltd has informed that Shri Paul Fletcher has been established as an supererogatory Director prospect of CDC fiscal Service (Mauritius) Ltd of the Bank . And Shri Donald Peck has been compriseed as an Additional Director (nominee of South Asia Regional Fund) of the Bank.UTI Bank Ltd has informed that on lay mickle the division of lead of LIC on being positive as Chairman of SEBI, Shri G N Bajpai, Nominee Director of LIC has resigned as a Director of the Bank. 2003 UTI Bank Ltd has informed BSE that at the collision of the mesa of Directors of the company held on January 16, 2003, Shri R N Bharadwaj, Managing Director of LIC has been appointed as an Additional Director of the Bank with immediate effect. UTI Bank, the private sector bank has opened a branch at Nellore. The banks Chairman and Managing Director, Dr P. J. Nayak, inaugurating the bank branch at GT Road on Ma y 26.Speaking on the occasion, Dr Nayak said. This marks another step towards the extensive customer banking focus that we are providing across the country and reinforces our commitment to bring superior banking services, marked by convenience and closeness to customers. -UTI Bank Ltd. has informed the Exchange that at its meeting held on June 25, 2003 the BOD have decided the avocation 1) To appoint Mr. A T Pannir Selvam, former CMD of Union Bank of India and Prof. Jayanth Varma of the Indian Institute of focal point, Ahmadabad as additional directors of the Bank with immediate effect.Further, Mr. Pannir Selvam leave be the nominee director of the Administrator of the qualify undertaking of the Unit Trust of India (UTI-I) and Mr. Jayanth Varma willing be an item-by-item Director. 2) To issue Non-Convertible Un seized Redeemable Debentures up to Rs. 100 crores, in one or more tranches as the Banks Tier II capital. -UTI has been clear to launch 16 ATM son the Western Railway place of Mumbai Division. -UTI filed get against financial institutions IFCI Ltd in the debt noticey tribunal at Mumbai to re spinning top Rs. 5cr in dues. -UTI bank made an entry to the Food Credit program it has made an entry into the 59 cluster which includes private sector, public sector, old private sector and co-operative banks. -Shri Ajeet Prasad, Nominee of UTI has resigned as the director of the bank. -Banks Chairman and MD Dr. P. J. Nayak inaugurated a new branch at Nellore. -UTI bank allots shares under Employee Stock Option Scheme to its employees. -Unveils pre-paid travel card Visa Electron strike Currency Card -Allotment of 58923equity shares of Rs 10 each under ESOP. UTI Bank ties up with UK govt fund for contract farm in -Shri B S Pandit, nominee of the Administrator of the Specified to a lower placetaking of the Unit Trust of India(UTI-I) has resigned as a director from the Bank w e f November 12,2003. -UTI Bank unveils new ATM in Sikkim. 2004 Comes out with R s. 500 Unsecured Redeemable Non-Convertible Debenture Issue, issue fully subscribed -UTI Bank Ltd has informed that Shri Ajeet Prasad, Nominee of the Administrator of the Specified Undertaking of the Unit Trust of India (UTI I) has been appointed as an Additional Director of the Bank w. e. f. January 20,2004. UTI Bank opens new branch in Udupi-UTI Bank, Geojit in pledge for trading platform in Qatar -UTI Bank ties up with Shri ram assort Cos-Unveils premium defrayal installing through ATMs applicable to LIC UTI Bank customers metal junction (MJ)- the online trading and procurement joint venture of Tata poise and Steel Authority of India(SAIL)- has roped in UTI Bank to start off own equipment for Tata Steel. -DIEBOLD Systems one-on-one Ltd, a all told owned subsidiary of Diebold Incorporated, has secured a major(ip) contract for the supply of ATMs an services to UTI Bank -HSBC completes acquisition of 14. % stake in UTI Bank for . 6 m -UTI Bank installs ATM in Thiruvananthapu ram Launches Remittance Card in association with Remit2India, a Web site offering coin send services. 2005 * UTI Bank enters into a banc assurance slicenership with Bajaj Allianz General for marketing ordinary insurance products through its branch meshwork. * UTI Bank launches its first Satellite retail Assets Centre (SRAC) in Karnataka at Mangalore. 2006 * UBL sets up branch in Jaipur. UTI Bank unveils priority banking lounge. * UTI Bank launches operations of UBL gross revenue, its Sales Subsidiary -Inaugurates its first office in Bangalore. * UTI Bank announces the launch of its Credit Card Business. * UTI Bank find oneselfs the first Indian Bank to successfully issue Foreign Currency loan-b transmit Capital in the internationalistic Market. * UTI Bank Business Gold calculate Card MasterCard Launched Designed for business related spending by SMEs and self-importance employed professionals. 2007AXIS Bank Ltd has informed that consequent upon handing over charge as Admin istrator of the Specified Undertaking of the Unit Trust of India (SUUTI), Shri. S B Mathur, the Nominee Director of SUUTI has resigned as a Director of the Bank December 06, 2007. * AXIS Bank Ltd has informed that Fitch Ratings on December 14, 2007, has upgraded the Banks National Long- bound rating to AAA(ind) from AA+(ind). * AXIS Bank Ltd has appointed Shri K N Prithvi raj as an Additional Director on the Board at Directors of the Bank. * Company name has been changed from UTI Bank Ltd to Axis Bank Ltd. 008 * Axis Bank launches Platinum Credit Card, Indias first EMV chip based card. * Axis Bank set up its branch at Ilanji at Meenakshi Nagar on the Coutralam-Madurai street on April 16. 2009 * Axis Bank to sidereal day said its board has recommended the accommodation of Shikha Sharma, veritablely chief of ICICI groups livelihood insurance business, as its next managing director and CEO. * Axis Bank has set up a new branch at Perumbavoor. The bank has a net profit of 832 bran ches along with 8 extension counters and 3622 ATMs across the country. Axis Bank, on Wednesday entered into a strategic alliance with Motilal Oswal, the financial services firm, in order to facilitate the online trading for the banks customers. * AXIS Bank Ltd has informed that the Board of Directors of the Bank at its meeting held on June 01, 2009, inducted Smt. Shikha Sharma as an Additional Director of the Bank. * Axis bank has received final head from the Securities and Exchange Board of India (SEBI) to begin its mutual fund operations and will launch debt and equity schemes soon whereas IDBI Bank is awaiting the regulators permit for an entry. Axis Bank opened the new branch at Irinjalakuda while it has a network of 892 branches, 8 extension counters and 3,806 ATMs across the country. 2010 Axis Bank Limited has informed that at the meeting of the Board of Directors held on January 15, 2010, the hobby decisions were taken * To appoint Dr. Adarsh Kishore, former Finance Secreta ry, Government of India and former Executive Director, International fiscal Fund representing Bangladesh, Bhutan, India and Sri Lanka as the Non-Executive Chairman of the Bank, win to RBI approval * To appoint Shri S.B. Mathur, former Chairman, LIC and the National Stock Exchange of India, as an Additional Independent Director, with immediate effect. 1. 3 MANAGEMENT OF AXIS BANK ORGANIZATION social system OF AXIS BANK PROMOTERS Axis Bank Ltd. has been promoted by the bigst and the best Financial Institution of the country, UTI. The Bank was set up with a capital of Rs. cxv crores, with UTI contributing Rs. 100 Crores, LIC Rs. 7. 5 Crores and GIC and its four subsidiaries contributing Rs. . 5 Crores each SUUTI Shareholding 27. 02%Erstwhile Unit Trust of India was setup as a luggage compartment corporate under the UTI Act, 1963, with a view to encourage savings and investment. In December 2002, the UTI Act, 1963 was repealed with the passage of Unit Trust of India (Transfer of Undertaking and Repeal) Act, 2002 by the Parliament, paving the way for the bifurcation of UTI into 2 entities, UTI-I and UTI-II with effect from1st February 2003. In accordance with the Act, the Undertaking specified as UTI I has been transferred and ested in the Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), who manages apprised return schemes along with 6. 75% US-64 Bonds,6. 60% ARS Bonds with a Unit Capital of over Rs. 14167. 59 crores. The Government of India has genuinely appointed Shri K. N. Prithviraj as the Administrator of the Specified undertaking of UTI, to look after and circulate the schemes under UTI where Government has continuing obligations and commitments to the investors, which it will uphold. 1. 4 DEFINITIONS OF BANKINGA bank is a financial institution licensed by a government. Its primary activity is to lend bills. Many other financial activities were allowed over time. For example banks are important players in financial ma rkets and offer financial services much(prenominal) as investment funds. Banking potful also be defined as engaging in the business of property property for savings and checking billhooks or for exchange or for issuing loans and belief. Transacting business with a bank Depositing or with draught funds or requesting a loan.Bank a supply or stock held in reserve for future use (e in particular in emergencies) 1. 5 signifi arousece OF BANKING An organization, usually a corporation, chartered by a state or federal government, which does virtually or all of the following receives prerequisite deposits and time deposits, honors instruments drawn on them, and pays amuse on them discounts notes, makes loans, and invests in securities collects checks, drafts, and notes certifies depositors checks and issues drafts and cashiers checks. 1. 6 carrefour OF AXIS BANK * Product of axis bank * Easy devil salvage circular Saving posting for Women * Prime Saving work out * Senior Cit izens Saving peakancy * Priority Banking * Corporate Salary accounting system statement * Trust /NGOs Saving vizor * Resident Foreign Currency count on * Online Trading invoice * Current chronicle * Term Deposits * Locker Facilities * NRI work * Depository go * Financial informatory Services * Wealth Management Services * Insurance Solutions Life and General * Retail loans * Credit Loans * travelling Currency Cards * Remittance Cards * Gift Cards 1. 7 CUSTOMER SERVICE IN BANKING OPERATION * look into Drop recession FacilityRBIs commission on Procedures and Performance Audit on public Services has recommended that both the drop box installment and the facility for acknowledgement of the draw offs at the unbroken order counters should be available to customers and no branch should avert to give an acknowledgement if the customer crankys the chips at the counters. * Issue of Cheque Books The Committee has observed that some banks do not allow depositors to coll ect their cheque book at the branch but insist on tallying the cheque book by courier to the depositor.Further, it is stated by the Committee that the deposit or is forced to sign a declaration that a dispatch by the courier is at the depositors danger and consequence and that the depositor shall not hold the bank liable in any manner whatsoever in respect of such dispatch of cheque book. Committee has observed this as an unfair practice and advised banks to refrain from obtaining such undertakings from depositors. Banks should also run into that cheque books are delivered over the counters on request to the depositors or his true representative. disceptation of studys / Pass Books The Committee has noted that banks invariably show the entries in depositors passbooks /statement of write ups as By Clearing or By Cheque. Further, in the case of Electronic Clearing System (ECS) and RBI Electronic Funds Transfer (RBIEFTR) banks invariably do not erect any details tear down thou gh brief particulars of the carry overtance are supportd to the receiving bank. In some cases computerized entries use sophisticated codes which just cannot be deciphered.With a view to avoiding inconvenience to depositors, banks are advised to avoid such unfathomed entries in passbooks statements of aim and ensure that brief, intelligible particulars are invariably entered in passbooks / statements of account. Banks may also ensure that they adhere to the periodical cyclicity positivistic by us while sending statement of accounts. 1. 8 traditional BANKING ACTIVITIES Banks act as payment agents by maneuvering checking or current accounts for customers, stipendiary cheques drawn by customers on the bank, and collecting cheques deposited to customers current accounts.Banks also modify customer payments via other payment methods such as telegraphic transfer, EFTPOS, and ATM. Banks seize on money by accept funds deposited on current accounts, by accepting term deposits, and b y issuing debt securities such as bank notes and attachments. Banks lend money by making advances to customers on current accounts, by making installment loans, and by investing in marketable debt securities and other forms of money change. Banks interpret almost all payment services, and a bank account is considered indispensable by most businesses, somebodys and governments.Non-banks that provide payment services such as remittance companies are not normally considered an capable substitute for having a bank account. Banks borrow most funds from households and non-financial businesses, and lend most funds to households and non-financial businesses, but non-bank lenders provide a significant and in many cases equal to(predicate) substitute for bank loans, and money market funds, cash management trusts and other non-bank financial institutions in many cases provide an adequate substitute to banks. 1. 9 ACCOUNTING FOR BANK ACCOUNTBank statements are accounting records produced b y banks under the various accounting standards of the world. Under GAAP and IFRS there are two configurations of accounts debit entry entry and credit. Credit accounts are Revenue, Equity and Liabilities. Debit Accounts are Assets and Expenses. This means you credit a credit account to increase its balance, and you debit a debit account to increase its balance. This also means you debit your savings account both time you deposit money into it (and the account is normally in deficit), while you credit your credit card account every time you spend money from it (and the account is normally in credit).However, if you read your bank statement, it will say the oppositethat you credit your account when you deposit money, and you debit it when you withdraw funds. If you have cash in your account, you have a positive (or credit) balance if you are overdrawn, you have a minus (or deficit) balance. There a son for this is that the bank, and not you, has produced the bank statement. Your savings index be your assets, but the banks liability, so they are credit accounts (which should have a positive balance).Conversely, your loans are your liabilities but the banks assets, so they are debit accounts (which should have a also have a positive balance). Where bank transactions, balances, credit and debits are discussed below, they are done so from the viewpoint of the accountholderwhich is traditionally what most people are used to seeing. 1. 10 ECONIMIC FUNCTION * Issue of money In the form of bank note sand current accounts subject to cheque or payment at the customers order. These take away son banks can act as money because they are negotiable and/or due on demand, and hence valued at par.They are effectively on the table by mere delivery, in the case of banknotes, or by drawing a cheque that the payee may bank or cash. * Netting and resoluteness of payments Banks act as both collection and paying agents for customers, participating in interbank clearing and s ettlement systems to collect, present, be presented with, and pay payment instruments. This modifys banks to economies on militia held for settlement of payments, since inward and outward payments offset each other. It also modifys the offsetting of payment flows between geographical areas, reducing the cost of settlement between them. * Credit intermediationBanks borrow and lend back-to-back on their own account as middle men. * Credit quality improvement Banks lend money to ordinary commercial message message and personal borrowers (ordinary credit quality), but are high quality borrowers. The improvement comes from diversification of the banks assets and capital which provides a buffer to tie leavinges without defaulting on its obligations. However, banknotes and deposits are primarily unsecured if the bank gets into difficultness and pledges assets as security, to raise the funding it ineluctably to continue to operate, this puts the note holders and depositors in an e conomically subordinated position. Maturity Transformation Banks borrow more on demand debt and short term debt, but provide more long term loans. In other words, they borrow short and lend long. With a stronger credit quality than most other borrowers, banks can do this by aggregating issues (e. g. accepting deposits and issuing banknotes) and redemptions (e. g. withdrawals and redemptions of banknotes), maintaining reserves of cash, investing in marketable securities that can be readily converted to cash if claimed, and raising replacement funding as needed from various sources (e. g. wholesale cash markets and securities markets). Banking channels Banks offer many different channels to get to their banking and other services * A branch, banking centralize or financial centre is a retail location where a bank or financial institution offers a wide line up of face-to-face service to its customers. * ATM is a computerized telecommunications device that provides a financial insti tutions customers a method of financial transactions in a public space without the need for a human clerk or bank teller. Most banks now have more ATMs than branches, and ATMs are providing a wider flow of services to a wider image of users.For example in Hong Kong, most ATMs enable anyone to deposit cash to any customer of the banks account by nourishment in the notes and entering the account number to be credited. Also, most ATMs enable card holders from other banks to get their account balance and withdraw cash, even if the card is issued by a foreign bank. * Mail is part of the postal system which itself is a system where in written documents typically stay in envelopes, and also small packages containing other social occasion, are delivered to destinations around the world. This can be used to deposit cheques and to send orders to the bank to pay money to third parties.Banks also normally use mail to deliver periodic account statements to customers. * Telephone banking is a service provided by a financial institution which allows its customers to perform transactions over the telephone. This normally includes bill payments for bills from major billers (e. g. for electricity). * Online banking is a term used for performing transactions, payments etc. over the network through a bank, credit union or building societys secure website. * Mobile banking is a method of using ones mobile phone to conduct simple banking transactions by remotely linking into a banking network. Video banking is a term used for performing banking transactions or professional banking consultations via a remote video and audio connection. Video banking can be performed via purpose built banking transaction machines (similar to an Automated teller machine), or via a videoconference enabled bank branch. 1. 11 TYPES OF INVESTMENT BANKS * Investment banks underwrite (guarantee the sale of) stock and bond issues, business for their own accounts, make markets, and advise corporations on capital market activities such as mergers and acquisitions. * merchant banks were traditionally banks which engaged in trade finance.The modern definition, however, refers to banks which provide capital to firms in the form of shares rather than loans. hostile venture capital firms, they tend not to invest in new companies. 1. 12 MORTGAGE BANKING owe banking deals primarily with originating owe loans and servicing them. submit more about(predicate) it here as well as about what a give career in owe banking involves. Mortgage banking is meant for a single purpose, to service the real estate finance industry. Mortgage banking deals specifically with originating owe loans as well as servicing them.Mortgage banks are state-licensed entities from which consumers can get mortgage loans directly. Usually, mortgage banks avail funds from the Federal National Mortgage Association, or FNMA, also known as Fannie Mae, the Federal Home Loan Mortgage Corporation, or FHLMC, also known as Freddie mac, or any other large companies that service mortgages, which are related to the secondary mortgage market. Here are a few pointers about the nitty-gritty of mortgage banking. * Mortgage Banks Specialize in Mortgage Loans Unlike a savings bank that is federally chartered, in general mortgage banks specialize in only providing mortgage loans.Hence, customers do not deposit their money in these banks. As has been mentioned above, the secondary wholesale market is their primary source of funds. Freddie Mac and Fannie Mae are examples of the lenders in the secondary market. * Mortgage Banks Differ in coat duration some mortgage banks can be nationwide, others can ascend a volume of loan that can exceed that of a commercial bank that is nationwide. Many of these mortgage banks utilize specialty servicers like rattling Time Resolutions to carry out childbeds like fraud detection work and repurchase. Mortgage Banks have Two Sources of Revenue The two main sources of inc ome are from loan servicing fees (if they are into loansevicing0, and fees from loan origination. Mortgage bankers, by and large, are choosing not to service the loans they have originated. That is because they are entitle to earn a service-released premium by selling them soon after the mortgage loans are closed and funded. The investor in the secondary market that purchases the loan has the ability of earning gross for providing servicing of the loan every month the borrower keeps the loan. Different Banking Laws Apply to Mortgage Banks Mortgage banks usually operate under banking laws that are quite different, agree to the state they operate in. You will need to check each individual states financial department or state banking in order to get list of mortgage bankers in each state. While federal laws apply to the operation of a federal bank, in harm of consumer protection, usually consumers have additional rights, which are applicable fit to each state. * Mortgage Bankers can be More CompetitiveSince they only specialize in lending and do not have to subsidize any of the losses that other departments may have incurred, as in regular banking, mortgage bankers have the ability of being really competitive when lending for mortgage. However, they usually do not have the advantage of accessing adjustable rate mortgages that are low cost, which federal banks are typically associated with, and federal money access. * A Career in Mortgage Banking Professionals in mortgage banking in the job market today need to have a college degree in business or finance, or some specific experience or training related to the field.Skills in good customer service, an inborn ability with numbers, and computer skills are also essential requirements for mortgage banking jobs. A mortgage banking professionals job involves reviewing credit scores, determining the kind of loan that is most beneficial for the customer and guiding them through the suffice of application as well as c losing. The loan officer has to be very organized and detail oriented, and need to be able to maintain the large amounts of paperwork and reporting that are required for getting loans approved, up to the closing.A mortgage banking professional also has to have thorough know-how about the regulations associated with federal mortgage as well as the various types. 1. 13 KYC (KNOW YOUR CUSTOMER) As per KYC guideline the RBI has advised banks to follow KYC guidelines of RBI mandates banks to collect three proofs from their customers they are1 Photograph2 cogent evidence of Identity3 Proof of overlay Accordingly, Axis bank has framed its KYC procedure according to which, a photograph and documentary proof of personal identification and address proof are required t be provided.The account orifice form provides the nature of documents required / procedure to be followed for opening a new account. You may also log in to our websitewww. axisbank. com for such information which is displaye d product-wise. 1. 14 COMPETITORS 1. ICICI Bank Ltd. 2. HDFC Bank Ltd. 3. State Bank of India 4. HSBC Bank 5. RBS (Royal Bank of Scotland) 6. Maharashtra Bank of India 7. Canara Bank 8. Andhra Bank 9. IDBI bank 10. Bank of India 11. Punjab National Bank 12. Central Bank 13. Allahabad Bank 14.ING Vysya 15. Centurion Bank CHAPTER 2 2. NEED, SCOPE, OBJECTIVE, METHODOLOGY AND point of accumulationS OF THE subject 2. 1 NEED OF RESEARCH The research is significant for me and the bank then significant as follow to the trainee as follow * To the trainee The research has provided the trainee practical knowledge regarding the organization working, survey and other aspect of marketing. This research is also essential for me in fulfillment of MBA curriculum. * To the bank Research would help the bank to get the lead of potential customer and current satisfaction take aim among existing relationship companies To study the opportunity of cross sailing of other product and services The sugges tion provide the researcher will be helpful to improvement of class and quality of service to new and current customers and also help to enhance the activities * To the customer The research will become a medium to convey the dissatisfaction factor to the appropriate person in the management 2. 2 SCOPE OF RESEARCHThe research was conducted for AXIS bank confine in Hoshiarpur City. The research was conducted in operational and marketing aspect of the bank products and survey. The research collected to detail information by personal consultation and data collection sheet. 2. 3 OBJECTIVES OF THE STUDY This study has been conducted with a human body of important objectives in mind. The following provides us with theobjectives that have tried to discover through the study. The extent to which these objectives have been met could judge from the conclusions and suggestions, which appear in the later of this study. The main objective of the study is to know about the potential of the m arket regarding peoples dealing in financial services. To know the character of all financial services. To know where people have already opened their Account and on what basis. 2. 4 RESEARCH METHODOLOGY Research is an art of scientific investigation. In other word research is a scientific and systematic search for pertinent information on specific topic. The logic behind taking research methodology into consideration is that one can have knowledge about the method and procedure adopted for motion of objectives of the project.With the adoption ofthis others can evaluate the results also. Its main aim is to keep the researchers on the right track. The methodology adopted for studying the objectives was surveying the saving account holders of District HOSHIARPUR. So keeping in view the nature of requirements of the study to collect all the relevant information regarding the comparison of saving account of Centurion Bank of Punjab with otherbanks direct personal interview method w ith structure questionnaire was adopted for the collection of primary data. Secondary data has been collected through the various magazines and newspaper a nd by surfing on meshing.And the guide in the organization was consulted at many times. 2. 5 infusion OF THE SAMPLE It becomes impossible to contact each and every individual of the creation due to limitations of essential resources like time and money. Therefore, the study is preferably allowed down to a representation hear to make the study more manageable. memory in view the objectives and resource limitation of the study, 100 respondents were considered. Respondents 100 The selected sample is representative of the population and is accurate and practicable. 2. 6 SAMPLING TECHNIQUETo study the Project, a Simple Random Sampling technique is used. 2. 7 SAMPLING pattern The following factors will be taken into consideration within compass of sampling plan. 1 Sampling unit It defines the target population that will be samp led i. e. it answers who is to be surveyed. In this study, the sampling unit is customers using internet banking. 1 Sampling size It indicates the numbers of people to be surveyed. though large samples give more reliable results than small sample but due to constraints of time and money, the sample size was restricted to 50 respondents. 2. 8 COLLECTION OF DATAAfter the research problem has been defined and the research protrude has been chalked out, the task of data collection begins. The data can be collected generally through primary sources, but it was supplement with secondary data. * Primary data collection Primary data is the data which is collected through honoring or direct communication with the respondents in one form or another. These are several methods for primary data collection like notification Method, Interview Method, through schedules, through questionnaires and so on. * Secondary data collection methods Secondary data is collected through net profit. Interne t We also take into consideration the internet facility with which wecollect lotoflatest information. * daybook and publications of different banks We also take into consideration the journals and publications issued by the bankat different times. Wecomes to know about the Branches, ATM, locations and other useful information. 2. 9 LIMITATION OF RESEARCH Every research has its own constraints which keep limitation to work similarly this research has also limitation due to which the researcher could not get detailed information regarding project. These are Though full efforts have been made but due to the lack of past experience in the marketing field I failed some areas have been left from including in the study Due to the limitation of time I was unable to cover more sample (data collection sheet) and to fridge the lead granted. CHAPTER 3 go steady INTRODUCTION 3. 1 PROJECT INTRODUCTION As a part of curriculum the students of MBA have to undergo Summer Internship Program (SIP). Wherein a student gets the knowledge about practical living, how the work is done in companies, how to get acquainted with working conditions and other many such things, etc. he main aim behind this program is that students get some experience with which he could get tending while searching the job. This program is generally provided by a company and it lasts for at least two months. Students as per their specializations could apply for SIP and get the opportunity to work in a company, which the college suggests. As a management student I also have to undergo SIP. I got the opportunity to complete this program in AXIS BANK LTD. , for two months. Axis bank is one of the leading BANKS in banking sector in India. First of the two months was devoted to training.Our training started with the sitting of information about bank product and sale sand what is the importation of the concepts, importance of sales and marketing was taught. The second part was about open an account-why we op en an account in bank, about the banking sector- as avenue for investment, how banking sector is Better Avenue for investment. The next session was about detailed knowledge about banking sector-how to sell these products in market. The last session was about the practical knowledge about how to get appointment of customers and how to convince them to take the product.In the second month we have sell the products directly in the market, procedure of selling the products etc. 3. 2 MEANING OF WHOLESALE BANKING OPERATIONS The Wholesale Banking contains products interchange to large and middle market commercial companies, as well as to consumers on a whole sale basis. This includes lending, treasury management, mutual funds, asset-based lending, commercial real estate, corporate and institutional trust services, and investment banking through rise up Fargo Securities. The company also owns Baring ton Associates, a middle market investment bank.Wells Fargo historically has avoided large corporate loans as stand-alone products, preferably requiring that borrowers purchase other products along with loans which the bank sees as a loss leader. One area that is very profitable to Wells, however, is asset-based lending lending to large companies using assets as collateral that are not normally used in other loans. This can be compared to subprime lending, but on a corporate level. The main brand name for this activity is Wells Fargo Foothill, and is on a regular basis marketed into mb stone ads in the Wall Street Journal.Wells Fargo also owns eastmost dil Secured, which is described as a real estate investment bank but is essentially one of the largest commercial real estate brokers for very large transactions (such as the purchase and sale of large Class-A office buildings in central business districts throughout the United States). The wholesale banking operations consist of the following transactions 1. Opening of Account 2. Issue of get around book 3. Internation al Debit / Credit Card 4. Issue of command Draft (DD) 5. Net banking 6. E-mail statement 7. Phone banking 8. Insta Query 9. Insta alive(p) 10. load pay 11. Passbook 12.Quarterly Account Statement 13. Loan Facility. 3. 3 CONCEPT 3. 3. 1 SAVING ACCOUNT INFORMATION Definition A deposit account at a bank or savings and loan which pays interest, but cannot be withdrawn by check writing. Types of Saving Account In Axis Banking 1. Zero Balance Savings Account At Axis Bank it has been constant endeavor to create products specifically catering to your call for. The account while offering a whole chain of services also addresses your latent need of having an account without the hassle of maintaining an fair quarterly balance. Features 1. No Average Quarterly Balance requirement 2. idle International Debit Card with an Accidental Insurance cover up to Rs 2 lakhs* (charges for the primary holder are waived). 3. quit mobile banking facility 4. penetration through more than 825 branches and more than 3595 ATMs 5. At-Par cheque facility with the clearing limit of Rs 50,000 6. 247 Tele banking & Internet banking. 7. unbosom quarterly statements8. big periodic e-statement Conditions Apply- 1. Initial funding of Rs. 5,500. 2. Account maintenance fee of Rs. 500 per annum 2. Krishi Savings Account (Kheti Ho Khushahali ki) Axis Bank offers a funny savings account which is easy to operate and allows you to transact immediately.This product has been specially designed keeping in mind the unique requirements of a sodbuster and true to its nature has been called the Krishi Savings Account. Some of the features of our new product are Average Balance Requirement This account is offered with the requirement of maintaining the half-yearly total balance of Rs 1000only. International Master Debit Card The Krishi Savings Account entitles you to an International Master Debit Card with which you can access your account anytime through the Axis Bank ATM network dislodge of cost . This card comes with a cash withdrawal limit of Rs 25,000 per day. warrant Accident Insurance cover of Rs 2 lacks. Anywhere Banking Being a Krishi account holder, you are entitled to access our wide network of more than 825 branches and 3595 ATMs across 440 cities. You can now easily carry out your transactions through any of the branches or ATMs. At Par Cheque Book Your Krishi Savings Account comes with the At-Par Cheque facility. This facility enables you to en cash the cheques as local instruments at any of the 440 centers where the Bank has its presence, at no extra cost. Moreover, you can also issue cheques at other centers upto the limit of Rs 50,000. Easy glide slope Savings Account (Banking made easy) * A dooribility * C Convenience * C comfyness * E Earnings * S Speed * S Service sine qua non a savings account that transcends geographical boundaries? Presenting, Axis Banks Easy Access Savings Account. The account is an endeavor by the Bank to understand the con sumers needs and redefine banking to suit your requirements for a truly pullable banking experience. Easy Access Savings Account gives you instant access to your money anywhere, anytime. Possessing a range of unmatched features, it has been devised to better suit the convenience of our eclectic client base.You can avail of all these services with a minimum quarterly honest balance of Rs. 5,000 in vacuum tube or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000in clownish centers. At-par cheque ATM Network Anywhere Banking Tele banking i Connect Mobile Banking Quarterly account statement Quarterly interest 3. 5 % per annum Free monthly e-statement. You can avail of all these services with a minimum quarterly average balance of Rs. 5,000 in vacuum tube or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000 in rural centers. Corporate Salary AccountOur Corporate Salary Power go is designed to offer pay roll solutions through in a 24 X 7 environment. We leve rage on our extensive network of distribution channels short-circuit across 450 centers through a network of more than 827 branches and 3595 ATMs besides our superior service delivery model and product features, as a strong differentiator, to provide value to the end user. hit to Employers Efficient profits disbursal. Web Upload Transfer salaries/reimbursements directly from your current account with Axis Bank to your employees accounts using I Connect from your office. Single-instruction payment credit Same day salary credits for all companies having Corporate Account with Axis Bank. Dedicated relationship manager at electron tube locations to understand the financial requirements of your employees. Benefit to Employees No minimum balance criteria. unusual Access Anywhere banking facility through our network of Branches, ATM and Internet banking facility. AT Par cheque books payable locally at all Axis Bank locations. International Debit cum ATM cards with enhanced Cash w ithdrawal facility and other value add ones. Online Banking with funds transfer, online shopping and bill payment options. Depository services with free online trading accounts. Meal Cards on a master card platform. Employee Reimbursement accounts as a savings account variant. Preferential pricing on loan products and credit cards and other banking products services. 3. Prime Savings Account Want a customized savings account to suit your specific financial requirements? At Axis Bank, we have always strived to pace our products with the growing needs of our customers.The Prime Savings account has therefore been created with your specific financial requirements in mind. Through the At Par cheque facility, you have the unique advantage to en cash your cheques as a local cheque at more than 330 centers where the bank has a presence at no extra cost. In addition the account enables you to issue cheques up to Rs. 1 lakhs, which will be treated as At Par across these locations. You can av ail of all these services with a minimum average balance of Rs 25,000 in metro/urban/semi-urban centers and Rs 10,000 in rural centers. 4.Smart Privilege Account (For the woman of today) In todays busy world its hooligan being a working woman. undecomposed from shuttling between a job and family to taking care of her finances she has to be on her toes all the time. Keeping this in mind, we at Axis Bank have designed a savings account best fit for the woman of today. With the Smart Privilege Account, you can manage your money and your purport and as well as enjoy a host of life style privileges. Furthermore Axis Banks Smart Privilege Account ensures that you have fair to middling time for all the important things in life. Senior Privilege (Because life begins at sixty) Are you seeking a banking style that compliments your aged(a) condition? Axis Banks Senior Citizen Savings Account has been designed keeping in mind the fact that a senior citizens banking requirements are whol ly different and require special consideration. * Special Privilege (A Privilege assures the care you deserve) We have introduced Senior Citizen ID card for our Senior Privilege patrons. Let us briefly introduce the wide range of advantages it hold for you. * Avail of cracking benefits with Senior Citizen ID cardID card acts as an age proof. Enabling you to redeem every advantage that you are eligible for, this card will soon help you avail of certain never-before Senior-citizen benefits at various stores, service providers and installation across the nation. * Feel safe Every where Apart from provide you with the power to claim great benefits, card also act as emergency information medium. In case of emergencies, it provides the doctors and authorities with vital data like your snag group, allergies, illnesses, address and emergency contact details.This ensures that you are well looked after in any situation, no matter where you are. * Always a Privilege It will help in strengthe n the bond with us and to be of assistance to you at all the times, no matter what your need be. Whether its loan, a savings account or any financial services that you wish to avail of, we will make sure that were always be there by your side. * Power Salute (Salute to the defense forces) Are you looking for an account that fits with your life in the Defence Forces? Defense Salary Account from Axis Bank is a product designed keeping in mind how tough a life in the Defense Forces is.Not only does it come to you utterly free, no minimum balance is required either. You can also access the entire Axis Bank network, including more than 2300 ATMs and 550 branch offices (and growing) no matter where you are posted. With the complete gamut of banking services (including overdrafts, loans and zero-balance requirements) you can now rest assured about your family and all their financial needs. It sour way of showing our sagacity to your work. * Banking Privileges At-par Cheque Facility * You r job involves constant transfers across the country.With the at-par cheque facility it will no longer be necessary to set up new bank accounts with each transfer. * Additional Debit Card * on with a free International Debit Card, you also get a free card for the joint account holder. This means that your child or spouse also enjoy the same benefits of banking with Axis Bank. * Financial Advisory Services * Our solutions answer to the twin goals of meeting your requirements and to diversify and spread the risk of your investment portfolio, so you can look forward to a comfortable and worry-free life.We first understand your exact investment needs and then design the perfect investment plan for you. 5. Trust/NGO Savings Account Thoughtful banking for people who spend their lives thinking of others Need special banking for special causes? Axis Banks Trust Account is an effort to offer thoughtful banking for people who spend their lives thinking of others. It is a complete banking sol ution for Trusts, Associations, Societies, Government Bodies, member 25 companies and NGOs, so that the organizations can devote all of their time to their impressive motivations. Features- A savings account for your trust with a concessional average quarterly Balance a multi-city at-par cheque facility with no limit on clearing payments at centers across the country wherever we are present. Free anywhere banking across all our Branches and Extension Counters and over all our ATMs. Free Demand Drafts or Pay Orders as and when required by you to remit funds. Free collection of cheques at outstations locations free monthly e-statement monthly Statement of Account delivered at your doorstep.Facility for collecting parts in your account through our network of Branches and extension counters across the country, as well as through I Connect our Internet Banking facility. Also, Axis Bank can offer the facility to donate funds to your Trust through our Internet Banking facility I Connec t to its customers. An Axis Bank customer can donate any amount to your Trust through the Internet. In such cases, the savings account of the customer gets debited and the savings account of your Trust gets credited with the amount of donation at the same time.At the end of every month, the Bank will provide an MIS giving details of the amount of donations and the name of donor. This will enable the Trust to issue receipts to the donors. Free Internet Banking facility that enables you to view the status of your account, transfer funds and carry out a number of banking activities from the comfort of your home or office. * Investment Advice * Our Financial Advisory Desk will provide portfolio management advice as well as help you undertake investments. * Free Demat To facilitate your investments, we offer a free Demat Account (charges due to NSDL essential still be levied) to our esteemed account holders in the Trust or Society segment. * Foreign Contribution (Regulation) Act FCRA ac counts * The FCRA account enables approved organizations to receive foreign contributions for utilization in their activities in India. The Bank will provide assistance in the process of documentation and obtaining necessary approvals from Ministry of Home personal matters at New Delhi. 3. 4 CURRENT ACCOUNT INFORMATION 3. 4. 1 CHANNEL ONE (FOR SUCCESSFUL BUSINESSES)The Channel One Current Account is an effort in that direction where we take care of your day to day banking requirements leaving you with more time for your business. Channel One Current Account is most appropriate choice of successful businesses. At a monthly Average Balance (MAB ) of Rs. 10 lack. FEATURES 1. Relationship Manager. 2. Doorstep Banking. 3. Anywhere Banking. 4. Free Internet Banking. 5. Free 24 hour Tele banking. 6. Mobile Banking Service. 7. International debit card. 8. Cheque Protection Facility. 9. Free 24 hour cheque deposited facility. 10. defrayal of Government Taxes/ Dues. 11. Foreign exchange se rvices. . 4. 2 BUILDERS AND REAL ESTATE Axis Bank understands the increasing demands on businesses in this segment . Heres presenting the Axis Bank Builder Real Estate Current Account a current account with unparalleled product features built to suit Builders Realtors exclusively. This account offers you unmatched convenience while adding financial value to your businesses spread over geographies. . At a monthly Average Balance (MAB) of Rs. 5 Lacks this account comes loaded with special facilities and benefits, most appropriate for your business. FEATURES 1. Home Branch Cash Deposit. 2. Non Home Branch Cash Withdrawal. . Free Anywhere Banking. 4. clunk facility. 5. Zero Balance account for Vendors and Suppliers. 6. Franking Facility. 7. Customer cheque printing. 8. Internet Banking. 9. Free 24-hour Phone banking. 10. Mobile Alerts. 11. ATM cum Debit Card. 12. Free Monthly Account Statement. 3. 5 TRAINING IN WHOLESALE BANKING OPERATION 3. 5. 1 CORPORATES Corporate Banking reflect s Axis Banks strengths in providing our corporate clients in India, a wide array of commercial, transactional and electronic banking products. We achieve this through innovative product ontogeny and a well-integrated approach to relationship management. Funded Services Working Capital Finance, Bill Discounting, Export Credit, Short Term Finance, Structured Finance, Term Lending. * Non Funded Services earn of Credit, Collection of Documents, Bank Guarantees. * Value Added Services Syndication Services, Real Time thoroughgoing(a) Settlement, Cash Management Services, Corporate Salary Accounts, Reimbursement Account, Bankers to Right/Public Issue, Forex Desk, property Market Desk, Derivatives Desk, Employees Trusts, Cash Surplus Corporate, Tax Collection * Internet Banking yield Chain Management, Corporate Internet Banking, Payment Gateway Services. 3. . 2 shrimpy AND MEDIUM ENTERPRISES At Axis Bank we understand how much of hard work goes into establishing a successful SME. We a lso understand that your business is anything but small and as demanding as ever. And as your business expands and enters new territories and markets, you need to keep pace with the growing requests that come in, which may lead to get new, or updating existing plant and equipment, or employing new staff to cope with the demand. Thats why we at Axis Bank have assembled products, services, resources and just advice to help ensure that your business excels.Solutions are designed to meet your variable needs. The following links will help you identify your individual needs. * Funded Services Funded Services from Axis Bank are meant to directly bolster the everyday working of a small and a medium business enterprise. From working capital finance to credit substitutes from export credit to construction equipment loan we cater to virtually every business requirement of an SME. Click on the services below that best define your needs * Non-Funded Services Under Non-Funded services Axis B ank offers solutions that act as a gas pedal to propel your business.Imagine a situation where you have a letter of credit and need finance against the same or you have a tender and you need to equip yourself with a guarantee in order to go ahead. This is exactly where we can help you so that you dont face any roadblocks when it comes to your business. The following are the services that will precisely tell you what we can do Business Accounts, Letters of Credit, Collection of Documents, Axis Bank Trade, Guarantees, Cash Management Services, Money Market Desk, Derivatives Desk, Services to Cash Surplus Corporate, Services to Employee Trusts, Bankers to Rights/Public Issue, Tax Collection. Specialized Services Axis Bank is one of the most trusted entities when it comes to specialized services like selling of precious metals to customers. Under specialized services you can also avail customized control of your value chain through our internet banking platform. * Value Added Services There is a plethora of services that we offer under value added services. Theres corporate salary account which ensures smooth payment methods to your staff. You can avail an assortment of credit cards and debit cards from our merchant services. The following are the highlights of this serviceReal Time Gross Settlement, Reimbursement Account, Custody Services, Corporate Salary Accounts, Merchant Services, Axis Bank Gold Business Credit Card. * Internet Banking Internet banking is a revolutionary service under the banking sector and Axis Bank is a forerunner in providing you with this service. We provide state-of-the-art payment entrance services to industries and companies in order to ease transaction processing. This in turn enhances the credibility of your business and makes banking extremely cost-efficient. 3. 5. 3 GOVERNMENT SECTORAxis Bank acts as an active medium between the government and the customers by means of various services. These services include * Tax Collection Whe re in customers can directly pay their taxes like Direct taxes, Indirect taxes and Sales Tax collections at their local Axis Bank * E- shreding Helps the customer by providing him a direct access to book a Railway Ticket online and get it home delivered * Opening of L/Cs is done by the bank on behalf of Government of India, Mints and Presses, thus facilitating imports for the Government. * Collection of levies and taxes on behalf of municipal Corporations i. . Kalyan -Dombivli municipal Corporation, is undertaken by the Bank. * Collection of stamp duty is done via franking mode in the states of Maharashtra & Gujarat. The Stamp Duty Franking Facility is available at following branches in Maharashtra Fort, Chembur, Lower Parel, Mira Road, Thane (Talao Pali), Panvel, Ratnagiri, Pune (FC Road), Kolhapur, Nagpur, Pimpri. The Stamp Duty Franking Facility is available at following branches in Gujarat Ahmedabad (Navrangpura), Kutch (Mundra), Baroda (Gotri Road), Surat (Ring Road), Bhavnagar & Vapi (GIDC). Disbursement of Pension to retired Employees of Central Govt and Defence is directly done by Axis Bank along with the disbursement of reward to the members of EPFO (Employees Provident Fund Organization) * Electronic Collection of fees on behalf of DGFT is done by the bank too * Ministry of Corporate Affairs Collection of ROC fees for the Ministry through accepted Branches and Net Banking. * Collection of Property Tax through Selected Branches on behalf of Municipal Corporation of Delhi CHAPTER 4 DATA ANALYSIS & INTERPRETATION 4. 1 outline of QuestionnaireThe study was conducted and primary data was collected through questionnaire method. For this purpose, 100 respondents of the TANDA city were approached of 100% in the branch has been shown below Q1 Customer having accou