Financial Products and Services Manual India Based on research conducted by Indian School of Microfinance for Women (ISMW) This research will serve as the basis for a country-specific curriculum module focused on available financial products and services in India. www.herproject.org Trainer’s Tips How to use this manual This manual provides an overview of the research on financial products and services in India conducted by ISMW. The asterisks are used to indicate the most important products in each category. Local HERfinance partners should refer to this manual as they develop the curriculum module focused on relevant financial products and services. Contents » Available Savings Products and Services » Available Loan Products » Available Insurance Products » Available Remittance Products » Available Pension Schemes » Appendix: Product Access Points Introduction This manual provides an overview of the research on financial products and services in India conducted by the Indian School of Microfinance for Women (ISMW). Local HERfinance partners should incorporate information from this manual into the curriculum module focused on relevant financial products and services for their country or region. The asterisks are used to indicate the most important products in each category. It is important to note the following caveats: » There may be other local products and services that are relevant to the local context. These should be included in the training even if they are not captured in this manual. » » Trainers should feature up to three local products for each category. In preparing the lesson on local products and services, trainers should consider the advantages and disadvantages of the different products and services. This will require that they do some research to ensure that they understand the advantages and disadvantages of each product. When presenting this information, it’s important for trainers to present the options in as neutral way as possible. The participants should select which option is best for them. Trainers may choose to include more information for the products and services that they select for the training, for example, eligibility requirements. » » Available Savings Products and Services Financial Products Description Service Providers Access/Availability Affordability Payment of Gratuity* Gratuity is a benefit that employees receive in a lump sum on termination of service, retirement, superannuation, resignation, Government programmes /Social Security schemes Mandatory/Statutory High BSR | HERfinance Financial Products and Services Manual - India 2 disablement or death. Employees’ Provident Fund (EPF)* EPF is a compulsory contributory fund that supports an employee after his/her retirement or for his/her dependents in case of his/her early death Government programmes/Social Security schemes Mandatory/Statutory High Public Provident Fund (PPF)* PPF is a retirement planning tool for those who do not have any structured pension plan. Government programmes/Social Security schemes Moderate High Savings accounts serve the need of regular deposits and withdrawals. Post Office – India Post Moderate High Savings Account* Post Office – India Post Public sector banks/Regional rural banks Private/Foreign banks Cooperative banks NBFC/MFI -Except a few (RNFC) NBFC/MFI are not permitted to accept deposits Recurring Deposit Account A recurring deposit account is good for those who save regularly and want to earn reasonable interest on their savings. Offers a monthly investment option with a solid return at the end of five years with an option to extend the account period. Insurance cover facility is also available with Post Office – India Post Moderate High Public sector banks/Regional rural banks Private/Foreign banks Cooperative banks NBFC/MFI -Except a few (RNFC) NBFC/MFI are not permitted to accept deposits BSR | HERfinance Financial Products and Services Manual - India 3 some conditions. Term Deposit/Fixed Deposit Account The term deposit account—also known as a fixed deposit account—is useful for those who want to save money over a long period. It earns higher interest than a regular savings account. Deposits have to be made for a specified period of time and cannot be withdrawn prematurely. The interest, however, may be withdrawn if the terms and conditions of the deposit allow. When premature withdrawals are made, banks give lower rate of interest. Public sector banks/Regional rural banks Info not available Info not available Private/Foreign banks Cooperative banks NBFC/MFI -Except a few (RNFC) NBFC/MFI are not permitted to accept deposit Monthly Income Scheme A monthly income scheme is a fixed investment option for five years with monthly interest payment facility. The facility of automatic credit of interest to SB account is available. Post Office – India Post Moderate High Senior Citizen Savings Scheme Senior citizen savings schemes offer a fixed investment option for senior citizens over a period of five years. This Post Office – India Post Moderate High BSR | HERfinance Financial Products and Services Manual - India 4 period can be extended at a higher rate of interest if needed. National Savings Certificate Salary Account Individual and Group Savings Through SHGs A national savings certificate includes a fixed investment for 5 or 10 years on certificates of varied denominations. A salary account is a regular bank account to which an employer credits the monthly salary or paycheck of an employee. No description available Post Office – India Post Moderate High Public sector banks/Regional rural banks Info not available Info not available Private/Foreign banks Cooperative banks NBFC/MFI -Except a few (RNFC) NBFC/MFI are not permitted to accept deposit SHG High for specific target group High Chit funds Area specific Moderate Other saving organizations Area specific Moderate BSR | HERfinance Financial Products and Services Manual - India 5 Available Loan Products Financial Products Description Service Provider Access/Ava ilability Affordability Loans Against EPF and PPF* These are loans taken against Employees’ Provident Fund (EPF) or Public Provident Fund (PPF) Government programmes /Social Security schemes High High Personal/C onsumer Loan A personal/consumer loan is one that can cover expenses such as wedding expenses, medical expenses, educational expenses, purchase of consumer durables, etc. Public sector banks/Regional rural banks Moderate Moderate Private/Foreign banks Low Moderate Cooperative banks Area Specific Moderate NBFC/MFI Area Specific Low An education loan for children provides support for tuition and related education expenses Public sector banks/Regional rural banks Moderate High Private/Foreign banks Low Moderate Housing loans are provided to individuals to purchase housing or make improvements to their homes Public sector banks/Regional rural banks Moderate High Low Moderate Area Specific Low Education Loan for Children Housing Loan Private/Foreign banks Other financial institutions Available Insurance Products Financial Products Employee State Insurance (ESI)* Description The ESI scheme is country’s first multi – dimensional social security scheme for employees. It is the health insurance scheme that offers comprehensive medical care to workers and their dependents without Service provider Access/Av ailability Affordability Government programmes/S ocial Security schemes Only to specified target group High BSR | HERfinance Financial Products and Services Manual - India 6 any upper cap on individual expenditure. Rashtriya swasthya Bima Yojana (RSBY)* RSBY is a health insurance option for workers in the information sector and their families. Workers that fall below the poverty line are eligible. Government programmes/S ocial Security schemes Only to specified target group High Employee Compensation Scheme* The employee compensation scheme supports employees and their dependents in case of mishaps/accidents during course of employment. Government Programmes/S ocial Security schemes Only to specified target group High Bajaj Allianz Area Specific Moderate Area Specific Moderate Area Specific Moderate Under this scheme, employers are liable to compensate an employee and his/her dependents in case of death or major/minor injuries. Bajaj Allianz Jana Vikas Yojana Micro-insurance product; single premium, payable one time only; includes death benefits and maturity benefits. Bajaj Allianz saral suraksha Yojana Micro-insurance product; regular premium term plan; premium paying mode: annual, halfyearly, and quarterly. Monthly is permitted only by salary deduction or electronic clearance service; includes death benefits, maturity benefits, and others. Tata AIA Life Ayushman Yojana Micro-insurance product; life insurance single premium plan; includes death benefit and maturity benefit. Tata AIA BSR | HERfinance Financial Products and Services Manual - India 7 Available Remittance Services Financial Products Description Service provider Access/Avail ability Affordability National Electronic Funds Transfer (NEFT)* Through NEFT individuals can electronically transfer funds from any bank branch to any individual or firm covered under the banking network. Public sector banks/Regional rural banks Moderate Moderate Private/Foreign banks Moderate Moderate Defined as the continuous (realtime) settlement of fund transfers individually or on an order-by-order basis. Public sector banks/Regional rural banks Moderate Moderate Private/Foreign banks Moderate Moderate Post Office – India Post Moderate High Description Service Provider Access / Availability Affordability The Government of India has introduced a new defined contribution pension system known as the New Pension System (NPS). The purpose of NPS is to extend old age security coverage and assured income based on earlier contributions. It is Pension Fund Regulatory and Development Authority (PFRDA) Moderate High Real Time Gross Settlement (RTGS) Primarily meant for large-value transactions. The minimum amount to be remitted through RTGS is Rs. 2 lakh. There is no upper ceiling for RTGS transactions. Money Order; Electronic Money Order; Instant Money Order Remittance services offered by the Post Office. Available for both domestic and international locations. Available Pension Schemes Financial Products New Pension Scheme* BSR | HERfinance Financial Products and Services Manual - India 8 regulated by Pension Fund Regulatory and Development Authority (PFRDA). New Pension Scheme (NPS) Lite* The Government of India launched NPS Lite to provide income security to marginal income earners and to people from economically disadvantaged backgrounds. Indira Gandhi National Old Age Pension Scheme* The National Old Age Pension Scheme was launched by the Ministry of Rural Development. Government programmes/ Social Security schemes Moderate High Moderate High Eligibility: All persons of 60 years and above and below the poverty line category are eligible to be beneficiaries of the scheme. BSR | HERfinance Financial Products and Services Manual - India 9 Appendix: Product Access Points Branches of Banks and Financial Service Providers/Access Points in Gurgaon, and Anekal Taluk and Yeshwanthpur in Bangalore Nationalized Banks in Gurgaon Oriental Bank of Commerce Gurgaon Ho, Gurgaon – 122001 Call: (0124) 2340940 State Bank of India Sco-25, Nr Plaza Hotel, Old Delhi Rd, Gurgaon Sector-14, Gurgaon - 122001 Call: (0124) 2335264 Punjab National Bank Shop No 14,The Peach Tree Bldg, C Blk, Sushant Lok Phase 1, Gurgaon – 122002 Call: (0124) 4273193 State Bank of Bikaner and Jaipur C-117118,Shopping Mall, Dlf Qutab Enclave, Arjun Marg, Dlf City Phase I Gurgaon, Gurgaon – 122001 Call: (0124) 4050326 Indian Overseas Bank Sco-25, Nr Plaza Hotel, Old Delhi Rd, Gurgaon Sector-14, Gurgaon - 122001 Call: (0124) 2335264 Canara Bank Sg-27/28, Dlf Galleria, Ground Floor, Dlf City Phase IV Gurgaon, Gurgaon - 122002 Call: (0124) 2572932 Allahabad Bank 39/1, Acharya Puri, Gurgaon Sector-15, Gurgaon - 122001 Call: 1800220363 Canara Bank P No 80, Sec-18, Gurgaon Sector-18, Gurgaon - 122015 Call: (0124) 2341590 Punjab National Bank Sco-20p, Palam Vihar, Sec-23a, Gurgaon Sector-23, Gurgaon – 122015 Call: (0124) 2365586 Indian Overseas Bank PNo-85, Sec-18, Gurgaon Sector18, Gurgaon 122015 CALL? Dena Bank G-01, Ground Floor, Mvl I Park, 32nd Mile Stone, Chandan Nagar, Gurgaon Sector15 Part 2, Gurgaon - 122001 Call: (0124) 2300877 Indian Bank Chauhan Commercial Complex, Near Hero Honda Chowk, Khandsa Road, Gurgaon, Gurgaon - 122001 CALL? State Bank of India B-05, Unitech Trade Centre, Sector-43, Sushant Lok Phase 1, Gurgaon - 122002 Call: (0124) 2574385 Punjab National Bank Sec-14, Nr BSNL Office, Dav School, Gurgaon, Gurgaon 122001 Call: (0124) 2334199 Canara Bank Sco-34,35, Sec-10-A, Gurgaon Sector-10 A, Gurgaon - 122001 Call: (0124) 2212439 Shop No 1 & 2,Grd Flr, Peach Tree, Sushant Lok-1, Gurgaon, Gurgaon - 122002 Call: (0124) 2572210 Bank of India Dss 84-85, Huda Market, Gurgaon Sector-40, Gurgaon 122001 Call: (0124) 2381381 Gurgaon Gramin Bank Sco-33, Distt Gurgaon, Sec-4 Mkt, Gurgaon Sector-4, Gurgaon - 122001 Call: (0124) 2326534 BSR | HERfinance Financial Products and Services Manual - India 10 Punjab National Bank Sco-5, Khandsa Rd, Gurgaon Sector-10 A, Gurgaon – 122001 Call: (0124) 2212280 Punjab National Bank Bhanu Cplx, Village & P O Sukhrali, Mehrauli Gurgaon Rd, Gurgaon, Gurgaon - 122001 Call: (0124) 2343900 Punjab National Bank 96, Phase-1, Udyog Vihar, Gurgaon - 122016 CALL? Bank of Baroda Chiranjivi Bharti Public School, Palam Vihar, Gurgaon - 122017 Call: 1800223344, 18001024455 Corporation Bank Branch - Gur24nMarutikunj-Pbb , 1535 Type 'b' Maruthi Kunj, Corporation Bank , Village Bhondsi, Gurgaon, Gur24nMarutikunj, Gurgaon Ho, Gurgaon – 122001 Call: (0124) 2267131 Central Bank of India National Oit Seeds Veg Oil Development Plot No 86, Gurgaon Sector-18, Gurgaon – 122015 Call: 18002001911, 1800221622 Bank of Maharashtra Blk F, Primery Wing, Chirangiv Bharti School Compound, Palam Vihar, Gurgaon - 122017 Call: (0124) 2360948 Corporation Bank Sco 48, Palam Vihar,Sec 23a, Palam Vihar, Gurgaon 122017 CALL? Corporation Bank Meenakshi Public School, Khandsa Road, Gurgaon Sector10 A, Gurgaon - 122001 Call: (0124) 2373048 State Bank of India Shivaji Nagar, Khandsa Road, Gurgaon - 122001 Call: (0124) 2224844 State Bank of Patiala Sco 72, Khandsa Road, Gurgaon Sector-10 A, Gurgaon - 122001 Call: (0124) 4141830 Union Bank of India Vill & Po-Badshahpur, Sohna Gurgaon Rd, Gurgaon, Gurgaon – 122001 Call: (0124) 2361063 Allahabad Bank Plot No 420,H K Rao Complex, Old Delhi Road, Udyog Vihar, Gurgaon – 122016 Call: 1800220363 Bank of Punjab Bank of Punjab, Khandsa Road, Gurgaon Sector10 A, Gurgaon – 122001 Call: (0124) 2373950 Indian Overseas Bank Plot No 545, Near Hanuman Mandir, Dundahera, Gurgaon 122016 Call: (0124) 2438139 Punjab National Bank 96 Vats Market, Udyog Vihar Phase-I, Gurgaon, Gurgaon Ho, Gurgaon - 122001 Call: (0124) 2439013 Oriental Bank of Commerce New Railway Rd, Gurgaon, Gurgaon – 122001 Call: (0124) 2320806 Private Banks in Gurgaon BSR | HERfinance Financial Products and Services Manual - India 11 HDFC Bank B-1, Enkay Towers, Vanijya Kunj, Udyog Vihar Industrial Area Phase 5, Gurgaon - 122001 Call: (0124) 4142242 Yes Bank Ground Floor of Unit No-5, Vatika Business Park, Block-2, Village Badshshpur, Sohna Road, Gurgaon, Gurgaon – 122001 Call: (0124) 6450824 ICICI Bank Enkay Tower, Udyog Vihar, Gurgaon - 122016 Call: (0124) 6455733 Axis Bank Bldg No 1164/1,Shri J P Tower, Dayanand Colony,Opposite Fire Station, New Railway Road, New Railway Road, Gurgaon - 122001 Call: (0124) 4304257 Yes Bank Khasra No 500,Ground Floor, Village Khandsa,Opposite Sector10a Market, Gurgaon Sector-10, Gurgaon 122001 Call: (0124) 6455278 Kotak Mahindra Bank Vatika Business Park, Ground Floor 7, Block 2, Badshahpur, Sohna Road, Gurgaon – 122001 Call: (0124) 3851400 Development Credit Bank Prem Deep Building, Opposite Hope Apartments, Jharsa Road, Gurgaon Sector-15 Part 1, Gurgaon - 122001 Call: (0124) 4037001 ICICI Bank P No487/9, New M C No 378/11, New Colony More, Rattan Garden, Old Railway Rd, Gurgaon, Gurgaon 122001 Call: 9896178000 ICICI Bank Hero Honda Motors Ltd ,37 K M Stone, Delhi Jaipur Highway, Gurgaon Sector33, Gurgaon - 122002 Call: 9896178000 Gurgaon Gramin Bank Sikander Pur, P O Dlf, PHI, Gurgaon, Gurgaon 122001 | Call: (0124) 2358796 Finance Companies in Gurgaon Muthoot Finance Ltd Sco No-22, 2nd Floor, Huda Shopping Complex, Near Nirulas, Delhi Road, Gurgaon Sector-14, Gurgaon - 122001 Call: (0124) 4083370 Magma Fincorp Sco 9,1st Floor, Near Vishal Mega Mart, Gurgaon Sector14, Gurgaon – 122001 Call: (0124) 4316447 India Bulls Real Estate 448/451, Udhyog Vihar, PH-5, Gurgaon, Gurgaon 122001 Call: (0124) 3082478 Mannapuram Finance Ltd Building Sco No 4 Ist Floor, Near Hero Honda Chowk, Khandasa Road, Gurgaon Sector-10 A, Gurgaon 122001 Call: (0124) 2370066 Muthoot Finance Ltd Sco-6, 1st Floor, Near Punjab National Bank, Khandsa Road, Gurgaon Sector-10 A, Gurgaon – 122001 Call: (0124) 4061341 Sun Life India Service Centre Pvt Ltd Sp Infocity, Tower A, 3rd Floor, Plot No 243, Phase1, Udyog Vihar, Gurgaon 122016 Call: (0124) 4565661 Eastman Industrial Company 574, Gurgaon, Udyog Vihar, Gurgaon Ho, Gurgaon 122001 CALL? GE Capital Service India Ltd Building 7a, 6th Floor, Sector 25a, Dlf Cyber City, Phase III, Gurgaon, Gurgaon – 122002 Call: (0124) 4808000 GE Money Financial Services Ltd 12th Floor Infinity Tower C, Shankar Chowk,Blk-2, Block 2 Building 3 Dlf Cyber City, Gurgaon, Gurgaon – 122002 BSR | HERfinance Financial Products and Services Manual - India 12 Laxmi Financial Services 316, Ganpati Plaza, Gurudwara Rd, Gurgaon, Gurgaon - 122001 Call: (0124) 2067478 Finvest Finance & Investment Services Ff-316 D,Sushant Arcade,B Block,Sushant Lok-I, Gurgaon, Gurgaon - 122001 Call: 9891478650 Bhati Finance Village Beharampur, Near Sec 55-56, Gurgaon, Gurgaon Ho, Gurgaon 122001 Call: 9811559920 Bedi Finance Co Nr High School, Tempo Stand, Mohammadpur, Narsingh Pur, Gurgaon, Gurgaon - 122001 Call: 9213764804 Call: (0124) 3992089 V Secure 800, Nr IBM Daksh Office,Udyog Vihar PH-5, Gurgaon, Gurgaon 122001 Call: (0124) 4308550 Fours Services Pvt Ltd 214, PH-1, Udyog Vihar, Gurgaon, Gurgaon – 122001 Call: (0124) 4002127 Bajaj Capital 15,L G F, Masoodpur, Central Mkt, Vasant Kunj, Delhi - 110030 Call: (011) 26897632 ATMs in Gurgaon Punjab National Bank Shop No 14,The Peach Tree Bldg, C Blk, Sushant Lok Phase 1, Gurgaon 122002 Call: (0124) 4273193 Bank of Baroda Shop No 1 & 2,Grd Flr, Peach Tree,Sushant Lok-1, Gurgaon, Gurgaon - 122002 Call: (0124) 2572210 Bank of India Railway Rd, Old Gurgaon Rd, Gurgaon, Gurgaon – 122001 CALL? United Bank of India M-16, Opp ITI,Old Dlf Colny, Mehrauli Gurgaon Rd, Gurgaon, Gurgaon 122001 Call: (0124) 2324806 Central Bank of India New Sohna Chowk, Nr Apka Bzr, Jail Rd, Gurgaon, Gurgaon – 122001 Call: (0124) 2322233 Gurgaon Gramin Bank Head Office P No- 36 P, Pragati Bhawan, Post Office, Sec-44, Dundahera, Gurgaon - 122016 Call: (0124) 2576510 State Bank of India P No-364, Udyog Vihar, PH-2, Dundahera, Gurgaon 122016 Call: (0124) 2341114 Gurgaon Gramin Bank Plot No 36 P, Pragati Bhawan, Distt: Gurgaon, Nr Post Office, Gurgaon Sector-44, Gurgaon 122003 Call: (0124) 2577094 Indian Overseas Bank P No-85, Sec-18, Gurgaon Sector-18, Gurgaon - 122015 Call: (0124) 2342323 Gurgaon Gramin Bank Hans Park, Palam Vihar, ICICI Bank Enkay Tower, Udyog Vihar, Gurgaon - 122016 Call: (0124) 6455733 Punjab National Bank Sco-5, Khandsa Rd, Gurgaon Sector-10 A, Gurgaon - 122001 Call: (0124) 2212280 BSR | HERfinance Financial Products and Services Manual - India 13 Vill Carterpuri, Gurgaon Palam Rd, Palam Vihar, Gurgaon - 122017 Call: (0124) 2368085 Oriental Bank of Commerce P No-5, Sec-32, Intl Area, Gurgaon, Gurgaon 122001 Call: (0124) 2550034 Oriental Bank of Commerce Sco-6, Sec-10a, Vill & P O Khandsa, Hero Honda Chowk, Nh-8, Gurgaon, Gurgaon 122001 Call: (0124) 2371450 Gurgaon Gramin Bank Distt Gurgaon, Vill & Post Jharsa, Jharsa, Gurgaon - 122003 Call: (0124) 2380265 State Bank of India Badshahpur, Gurgaon, Gurgaon 122001 Call: (0124) 39020202 Punjab National Bank Udyog Vihar, Gurgaon, Gurgaon 122001 Call: 18001802222 Citi Bank 186,Daksh E Services Pvt Ltd, Udyog Vihar PH-1, Gurgaon, Gurgaon - 122001 Call: (0124) 2564653 Citi Bank Nr Khandasa Village,Udyog Vihar PH5,Sec-13, Gurgaon, Gurgaon 122001 Call: (0124) 2564653 State Bank of India Main Mkt,Dundahera,Palam Vihar, Gurgaon, Gurgaon 122001 Call: (0124) 39020202 Corporation Bank Idpl Cplx, Dundahera, Old Delhi Rd, Gurgaon, Gurgaon - 122001 Call: (0124) 26600587 State Bank of India Gurukul-Sb Academy, Dundahera, Gurgaon, Gurgaon 122001 Call: (0124) 39020202 State Bank of India Badshahpur, Gurgaon, Gurgaon 122001 Call: (0124) 39020202 HDFC Bank 226,Efund Intnl Pvt Ltd, PH1,Udyog Vihar, Gurgaon, Gurgaon - 122001 Call: (0124) 61606161 HDFC Bank 244,HCL Tech, PH-1,Udyog Vihar, Gurgaon, Gurgaon – 122001 Call: (0124) 61606161 Axis Bank PH-6,Indl Area, Mohammadpur ,P O Narsinghpur, Khandsa Rd, Gurgaon, Gurgaon - 122001 Call: 18002335577, 18002095577 Axis Bank Tex Corp Ltd, Po Narasinghpur, Mohammadpur, PH VI, Indl Area, Khandsa Rd, Gurgaon, Gurgaon – 122001 Call: 18002335577, 18002095577 Cooperative Banks in Gurgaon Central Cooperative Bank Civil Lines, Gurgaon, Gurgaon - 122001 BSR | HERfinance Financial Products and Services Manual - India 14 Call: (0124) 2320786 Post Offices in Gurgaon PH-1, Udyog Vihar, Udyog Vihar, Gurgaon - 122016 Call: (0124) 2340064 Sadar Bazar, Gurgaon, Gurgaon - 122001 Call: (0124) 2320392 Gurgaon Sector-45, Gurgaon - 122003 Call: (0124) 2580870 Main Market, Gurgaon Sector-14, Gurgaon 122001 Call: (0124) 4268210 Arjun Nagar, Gurgaon, Gurgaon - 122001 Call: (0124) 2322258 C-Blk,Vyapar Kendra, Palam Vihar, Gurgaon, Gurgaon – 122002 CALL? Plot No 450-451, Udyog Vihar - Industrial Area Phase 5, Gurgaon - 122001 Call: (0124) 2340661 Plot No 450-451, Udyog Vihar - Industrial Area Phase 5, Gurgaon - 122001 Call: (0124) 2340661 Huda sec-17 Mkt., Near water tank, sukhrali, Gurgaon Sector-17, Gurgaon – 122001 CALL? A-Block, South City-II, Gurgaon - 122018 Call: (0124) 2217181 Sohna Adda, Sohna Adda, Gurgaon – 122001 CALL? Balaji Traders Opp Ram Dharam Kanta, Khandsa Rd, Gurgaon, Gurgaon - 122001 Call: 9871354864 Verma Medicose Shop,No-31, Nr, Sheetla Mata Mandir, Sector 5, Gurgaon Sector-5, Gurgaon – 122001 Call: 9910475000 Oriental Bank of Commerce 78, Guru Amardas Bhawan, Near bus stand, Nehru Place, Delhi - 110019 Call: 9555987496 Easy Money Transfer H.No. 109, Palam Gurgaon Road, Opp Allahabad Bank, Dundahera, Gurgaon Mob: 9711802818 Jugnu Mobile Repairing and Money Transfer Near Grameen Bank Sector-37 Khandsa, Gurgaon Mob: 9811896161 New SBS Communication Khandsa Road, Mohamadpur Near Trim India Limited Gurgaon - 122001 Mob: 9810760016 S No-11& 16, Sector -17a Main Market, M.g.road, Gurgaon Sector-17, Gurgaon – 122001 Call: (0124) 2330113 Galleria Tower Dlf PhaseIV, Dlf City Phase IV Gurgaon, Gurgaon – 122002 Call: (0124) 2577166 Huda Market, Gurgaon Sector-4, Gurgaon - 122001 Call: (0124) 2322253 Banking Kiosks in Gurgaon Vinod Kumar House No- 126 Village Dundahera Gurgaon Mob: 9971537526 Chit Funds in Gurgaon Biku Chits Pvt Ltd 521/7, Subhash Ngr,Bh Dhobi Ghat, Gurgaon, Gurgaon - 122001 Call: (0124) 4285151 Nationalized Banks in Anekal Taluk, Bangalore BSR | HERfinance Financial Products and Services Manual - India 15 Dena Bank Kiadb Complex, Near Keb Circle, Jigani Industrial Area, Anekal Taluk, Bangalore 561229 Call: (080) 27825235 Canara Bank Chandapura, Anekal Taluk, Bangalore - 561229 Call: (080) 27832122 Syndicate Bank Near to Bus Stand, Newpet, Anekal, Bangalore - 562106 Call: (080) 27859237 Corporation Bank No.1, Opposite to Hotel Raghavendra Bhavan, Mirza Road, Chowda Reddy Circle, Anekal, Bangalore - 562106 Call: (080) 27841909 Dena Bank Kiadbcomplex, Jigani Industrial Area, Bangalore - 562106 Call: 18002336427 State Bank of India APC Circle, 1st Phase, Jigani Industrial Area, Bangalore - 562106 Call: (080) 65837047 Bank of India No.465-368, Near to Government U P School, Banahally Road, Chandapura, Anekal Taluk, Bangalore - 561229 Call: (080) 27833892 State Bank of Mysore No.133/271, Yellamma Complex, Anekal, Bangalore - 562106 Call: (080) 27859236 State Bank of Hyderabad Site No.779/65, 1st Floor, Pragati Complex, Sadashiva Nagar, Anekal Road, Attibele, Bangalore - 562107 Call: (080) 27821352 Indian Overseas Bank No.48, Near Akn Arcade, 100ft Ring Road, 2nd Phase, Anekal Taluk, Jigani, Bangalore - 560105 Call: (080) 27826888 Vijaya Bank Plot No.c A-1, 1st Phase, Kiadb Industrial Area, Anekal Taluk, Jigani, Bangalore - 560105 Call: (080) 27826444 Syndicate Bank Sri Lakshmi Complex, Near Attibele Circle, Anakel Taluk, Attibele, Bangalore - 562107 Call: (080) 27821222 Canara Bank Plot No.ca-09, APC Circle, Jigani, Bangalore - 560105 Call: (080) 27826046 Canara Bank Raghunath reddy building, Near Neralur bus stop, Hosur Main Road, Neralur, Attibele hobli, Bangalore - 562107 Call: (080) 27820744 Corporation Bank No.45, Nisarga Nandana, Near to Koppa Gate, Jigani, Bangalore - 560105 Call: (080) 27825071 Vijaya Bank No.444, G T Complex, Opposite A N R Kalyana Mantapa, Anekal Road, Chandapura, Tavarekere Road, Bangalore - 560081 Call: (080) 27835966 Corporation Bank Ground Floor, Vishnu Complex, Sarjapur Road, Attibele, Bangalore - 562107 Call: (080) 27844625 State Bank of India No.254/B2, Health City, Hosur Main Road, Bommasandra Industrial Area, Bangalore - 560099 Call: (080) 27835060 Vijaya Bank No.409/10, Gnr Layout, Kittaganahalli Gate, Bommasandra Industrial Estate, Bangalore 562158 Call: (080) 27831890 State Bank of India No. A101, Block 1, Kssidc Cmplx, Bommanahalli Industrial Area, Hebbagodi, Bangalore - 562158 Call: (080) 28520967 Corporation Bank Bommasandra No.145/B, Priyadarshini Petrol Bunk Complex, 3rd Cross, Hosur Main Road, Bommasandra Industrial Area, Bangalore - 560099 Call: (080) 27832560 Canara Bank Bank of Baroda Kiadb Complex, Hosur No.2, Apmc Fruit & Vegetable Main Road, Market, Huskur Road, Bommasandra Industrial Bommasandra Industrial Area, Area, Bangalore Bangalore - 560099 560099 Call: 1800224447, 18001025627 Call: 27832166 BSR(080) | HERfinance Financial Products and Services Manual - India Corporation Bank No.114, Cmr Complex, Near Chandapura Circle, Chandapura, Anekal Taluk, Bommasandra Industrial Area, Bangalore 16 560099 Call: (080) 27832841 Dena Bank No.353/354, Anekal Taluk, Sarjapura, Bangalore - 562125 Call: (080) 27823026 List of Private Banks in Anekal Taluk, Bangalore HDFC Bank Ltd Site No.71/2, Mirza Road, TMC Limits, Chandrapur Road, Anekal Taluk, Bangalore - 561229 Call: (080) 61606161 Tamilnad Mercantile Bank Ltd No.50/46, Near to Anekal Bus Stand, Hosur Bagilu Road, Anekal, Bangalore 562106 Call: (080) 27841889 South Indian Bank Ltd No.525/1850/77, Ward No.8/2, Parihar Complex, 2nd Division, Opposite to Ioc Pump, Chandapura Road, Anekal, Bangalore - 562106 Call: (080) 27841877 Karur Vysya Bank Ltd Opposite To Keb Office, Sarajpur Road, Anekal Taluk, Attibele, Bangalore 562107 Call: (080) 27844888 Cooperative Banks in Anekal Taluk, Bangalore Karnataka State Co Operative Apex Bank No.10 & 21, Hennagara Gate, Kithiganahalli, Anekal Taluk, Bommasandra Industrial Area, Bangalore 560099 Call: (080) 22976632 ATMs in Anekal Taluk, Bangalore Cauvery Kalpatharu Grameena Bank Bangalore Urban, Hennagara, Anekal Taluk, Bangalore 561229 Call: (080) 27831774 Bank of India Chandapura Branch No.465-368, Near yo Government U P School, Banahally Road, Chandapura, Anekal Taluk, Bangalore 561229 Call: (080) 27833892 State Bank of India Kirloskar Toyota Campus, Anekal Taluk, Bangalore 561229 Call: 1800112211 Corporation Bank Plot No.36-B, Road No.3 & 5, Jigani Industrial Area, Anekal Taluk, Bangalore - 561229 Call: (080) 26600587 Axis Bank Ltd Pheonix Global Solutions (India) Pvt. Ltd., Think Campus, Electronic City Phase II, Anekal Taluk, Bangalore - 561229 Call: 18002335577, 1800209557 7 Canara Bank Eswarachari Building, Chandapur, Anekal Taluk, Bangalore 561229 Call: 1800425001 8 Dena Bank No.353/354, Main Road, Sarjapura Village, Anekal Taluk, Syndicate Bank Near to Bus Stand, Newpet, Anekal, Bangalore - 562106 Tamilnad Mercantile Bank Ltd BSR | HERfinance Financial Products and Services Manual - India 17 Bangalore - 561229 Call: 18002336427 Call: (080) 27859237 No.50/46, Near to Anekal Bus Stand, Hosur Bagilu Road, Anekal, Bangalore 562106 Call: 1800425042 6 Central Bank of India Shirdi SAI Engineering College, Near Samandhur Post Office, SAI Leo Nagar, Anekal, Bangalore - 562106 Call: 1800222368, 1800200191 1 State Bank of India Kirloskar Toyoda Textile Machinery Manufacuturing Ltd, Plot No. Plot 10&13, Jigani, Bangalore - 562106 Call: 1800112211, 18004253800 Dena Bank Commercial Complex, Jigani Industrial Area, Bangalore 562106 Call: 1800233642 7 Indian Overseas Bank No.48, Near Akn Arcade, 100ft Ring Road, 2nd Phase, Anekal Taluk, Jigani, Bangalore 560105 Call: (080) 27826888 Vijaya Bank Plot No.c A-1, 1st Phase, Kiadb Industrial Area, Anekal Taluk, Jigani, Bangalore - 560105 Call: (080) 27826444 Canara Bank No.116, Jigani Link Road,Anekal Taluk, Jigani, Bangalore 560105 Call: 1800425001 8 Post Offices in Anekal Taluk, Bangalore Post Office Opp Ksrtc Bus Depo, Anekal Taluk, Bangalore 561229 Call: (080) 27841272 Post Office Attibele, Bangalore 562107 Call: (080) 27844622 Post Office Jigani, Bangalore - 560105 Call: (080) 27826699 Finance Companies in Anekal Taluk, Bangalore Manappuram Finance Ltd No.115, Lakshmi Complex, 1st Floor, Opposite To Hotel Keerthana International, Hosur Main Road, National Highway 17, Chandapura Circle, Anekal Taluk, Bangalore 561229 Call: (080) 27835877 Manappuram Finance Ltd 2nd Floor, Ckr Complex, Near Anekal Bus Stand, Opposite Municipal Building, Taluk Office Main Road, Anekal Taluk, Bangalore 561229 Call: (080) 27841688 Ujjivan Financial Services Pvt Ltd No 70/486,1st Vasantharaju Cplx, Opp SBM Extn,Newpet, Anekal Town, Anekal Taluk, Bangalore - 561229 Call: (080) 27841482 Mangala Financial Services No.13/12, Devanga Street, Dodda Bedhi, Anekal Taluk, Bangalore - 561229 Call: (080) 27859943 Manappuram Finance Ltd Building No.63/A/117/A, 1st Floor, Siddaveerappa Complex, Near Police Quarters, Mirza Road, Anekal, Bangalore - 562106 Call: (080) 329318 Manappuram Finance Ltd No 225/20, Near Hero Honda Showroom, Anekal Road, Attibele, Bangalore 562107 Call: (080) 27844705 Manappuram Finance Ltd No.23, R N Tower, 1st Floor, Near Jigani Bus Stop, Opposite To Jigani Post Office, Anekal Main Navarathna Jewelers Near Shiva Condiments, Anekal Main Road, Jigani, Bangalore - 560105 Call: 9880578250 Manappuram Finance Ltd Site No 83/16, Maheswari Complex, Near Vijaya Bank, Bannerghatta Panchayat, Anekal Taluk, BSR | HERfinance Financial Products and Services Manual - India 18 Road, Jigani, Bangalore 560105 Call: (080) 27826010 Bannerghatta, Bangalore 560083 Call: (080) 27828580 Chit Funds in Anekal Taluk, Bangalore Mangala Financial Services Margadarsi Chits No.13/12, Devanga Street, Dodda No.721, Nr Nandhini Hotel, 24th Bedhi, Anekal Taluk, Bangalore Mn, 6th Phase, J P Nagar, 561229 Bangalore - 560078 Call: (080) 27859943 Call: (080) 66495861 Nationalized Banks in Yeshwanthpur, Bangalore State Bank of India Site No.678/33, Door No. 245, Tumkur Road, Apmc Yard, Yeshwanthpur, Bangalore - 560022 Call: (080) 23375861 Union Bank of India No.43/1, 1st Floor, Off Tumkur Road, Yeshwanthpur, Bangalore - 560022 Call: (080) 22958241 Syndicate Bank No.47, 1st Floor, Gopal Complex, S C Road, Yeshwanthpur, Bangalore - 560022 Call: (080) 23370620 Corporation Bank No.45/C, Near Apmc Yard, Tumkur Road, Yeshwanthpur, Bangalore - 560022 Call: (080) 23370264 Andhra Bank No.14/43, Ground Floor, Near Govardhan Theatre, Tumkur Road, Rmc Yard, Yeshwanthpur, Bangalore 560022 Call: (080) 22959705 Bank of India No.6, Apmc Yard, Yeshwanthpur, Bangalore - 560022 Call: (080) 22959528 State Bank of Mysore No.44/45, 2nd Main Road, Apmc Yard, Yeshwanthpur, Bangalore - 560022 Call: (080) 23378174 Vijaya Bank Subedarpalya Road, Yeshwanthpur, Bangalore 560022 Call: (080) 23371324 Bank of Baroda Post Box No.2222, Apmc Yard, Tumkur Road, Yeshwanthpur, Bangalore - 560022 Call: (080) 23375358 Canara Bank No.14, Bangalore Tumkur Road, Industrial Suburb, Yeshwanthpur, Bangalore - 560022 Call: (080) 23375050 State Bank of Mysore Nr Rns Motors, Gorguntepalya,Tumkur Rd, Yeshwanthpur, Bangalore 560022 Call: (080) 23371233 Private Banks in Yeshwanthpur, Bangalore Icici Bank Ltd No.43/1, Rub Plaza, Tumkur Road, Yeshwanthpur, Bangalore 560022 Call: (080) 23472903 Axis Bank Ltd No.43/2, Rub Plaza, Near To Govardhan Theatre, Tumkur Road, Yeshwanthpur, Bangalore 560022 Call: (080) 23575801 Karnataka Bank Ltd No.33, Pipe Line Road, 1st Main, Yeshwanthpur, Bangalore - 560022 Call: (080) 22955909 ING Vysya Bank Ltd No.167, Rmc Yard, 6th Cross, 6th Main, Yeshwanthpur, Bangalore 560022 BSR | HERfinance Financial Products and Services Manual - India 19 Call: (080) 23371205 Cooperative Banks in Yeshwanthpur, Bangalore The Shamrao Vithal Co Operative Bank No. 36, Near Priyadarshini Hotel, 1st Main Road, Yeshwanthpur, Bangalore - 560022 Call: (080) 23639789 The Shamrao Vithal Co Operative Bank No.36, Mayur Complex, 1st Main Road, 4th Cross, 1st Stage, Gokula, Yeshwanthpur, Bangalore 560022 Call: (080) 23571244 Sri Sudha Co Operative Bank Ltd Yeswanthpur No.1136,Bns Cmplx, Mathikere Mn Rd, Yeshwanthpur, Bangalore - 560022 Call: (080) 23477643 Bangalore District & Bangalore Rural Dev... Apmc Building, Yeshwanthpur, Bangalore 560022 Call: (080) 23372324 Grain Merchants Co Operative Bank Ltd... No.149, 5th Mn, Apmc Yard, Yeshwanthpur, Bangalore - 560022 Call: (080) 23370902 Malleswaram Co Operative Bank Ltd No.47/A, 1st Mn, Yeshwanthpur, Bangalore 560022 Call: (080) 23374281 National Co Operative Bank Ltd No.147, Near Mahalakshmi Layout Road, 60 Feet Road, Yeshwanthpur, Shankar Nagar, Bangalore 560096 Call: (080) 23470429 ATMs in Yeshwanthpur, Bangalore ING Vysya Bank Ltd No.167, Rmc Yard, 6th Cross, 6th Main, Yeshwanthpur, Bangalore - 560022 Call: (080) 23371205 Canara Bank No.14, Bangalore Tumkur Road, Industrial Suburb, Yeshwanthpur, Bangalore 560022 Call: (080) 23375050 The Shamrao Vithal Co Operative Bank No. 36, Near Priyadarshini Hotel, 1st Main Road, Yeshwanthpur, Bangalore 560022 Call: (080) 23639789 The Shamrao Vithal Co Operative Bank No. 36, Near Priyadarshini Hotel, 1st Main Road, Yeshwanthpur, Bangalore 560022 Call: (080) 23639789 Karnataka Bank Ltd No.33, 1st Main, Pipeline Road, Yeshwanthpur, Bangalore – 560022 Call: (080) 22021500 Corporation Bank No.13/1, Ground Floor, Industrial Area, Yeshwanthpur, Bangalore 560022 Call: (080) 26600587 Andhra Bank No.14/43, Ground Floor, Industrial Suburb, Tumkur Road, Yeshwanthpur, Bangalore 560022 Call: 18004252910 Vysya Co Operative Bank Ltd No.106, Inside Yeshwantpur Railway Station, 4th Main Road, Apmc Yard, Yeshwanthpur, Bangalore - 560022 Call: (080) 23479575 Grain Merchants Co Operative Bank Ltd No.149, 5th Mn, Apmc Yard, Yeshwanthpur, Bangalore - BSR | HERfinance Financial Products and Services Manual - India 20 560022 Call: (080) 23370902 HDFC Bank Ltd No. 460, 2nd Stage, 1st Phase, 7th Cross, Gokul, Yeshwanthpur, Bangalore 560022 Call: (080) 61606161 Syndicate Bank No.47, Gopal Complex, Sc Road, Yeshwanthpur, Bangalore - 560022 Call: (080) 22357440 ICICI Bank Ltd Coco Peenya, Karnataka Lorry Owners Association, Yeshwanthpur, Bangalore 560022 Call: (080) 41131877 Bank of Baroda Post Box No.2222, Tumkur Road, Apmc Yard, Yeshwanthpur, Bangalore 560022 Call: 1800224447, 18001025627 Corporation Bank Gokuldas Export Pvt Ltd, 2nd Stage, Indl Area Suburb, Yeshwanthpur, Bangalore 560022 Call: (080) 26600587 State Bank of Mysore No.44/45, 2nd Main Road, Apmc Yard, Yeshwanthpur, Bangalore 560022 Call: 18004252244 Central Bank of India No.17/1, Opposite To Yeshwanthpura Station, Railway Parallel Road, Yeshwanthpur, Bangalore - 560022 Call: 1800222368, 18002001911 Indusind Bank Ltd C/O.texport Syndicate Pvt Ltd, Unit No.b2, No.84, Industrial Suburb, 2nd Phase, Yeshwanthpur, Bangalore - 560022 Call: 18002090061, 1860500504 ICICI Bank Ltd 1st Floor, Mg Complex, Apmc Yard, Yeshwanthpur, Bangalore 560022 Call: (080) 41131877 State Bank of India No.678/33, 8th Main Road, Kn Extension, Yeshwanthpur, Bangalore - 560022 Call: 1800112211, 18004253800 State Bank of India No.68, Near Kanteerava Studio, Ddutl, Mathikere Road, Yeshwanthpur, Bangalore – 560022 Call: 1800112211 Malleswaram Co Operative Bank Ltd No.47/A, 1st Mn, Yeshwanthpur, Bangalore 560022 Call: (080) 23374281 Union Bank of India No.43/1, 1st Floor, Tumkur Road, Industrial Suburb, Yeshwanthpur, Bangalore 560022 Call: 1800222244 State Bank of India Bh Petrol Bunk, Yeshwanthpur Circle II, Yeshwanthpur, Bangalore - 560022 Call: 1800112211 State Bank of India No.48, Ground Floor, Karmika Kalyan Bhavan, Next To R T O Office, Mathikere Road, Yeshwanthpur, Bangalore 560022 Call: 1800112211 State Bank of India No.45/1, Apmc Yard, Tumkur Road, Yeshwanthpur, Bangalore – 560022 Call: 1800112211 Lakshmi Vilas Bank Ltd No.80/A1, Industrial Suburban, 2nd Stage, Yeshwanthpur, Bangalore – 560022 Call: 18004252233 Union Bank of India No.42, Garuda Nilaya, Triveni Road, Yeshwanthpur, BSR | HERfinance Financial Products and Services Manual - India 21 Bangalore 560022 Call: 1800222244 State Bank of India Behind Petrol Bunk, Yeshwanthpur Circle I, Yeshwanthpur, Bangalore - 560022 Call: 1800112211, 18004253800 Post Offices in Yeshwanthpur, Bangalore Post Office Post Office Next Police Station, Rmc Yard, Yeshwanthpur, Bangalore Yeshwanthpur, Bangalore 560022 560022 Call: (080) 23372391 Call: (080) 23371415 Finance Companies in Yeshwanthpur, Bangalore Mahindra & Mahindra Manappuram Finance Ltd Financial Services No 1082/9, 1st Floor, Sp No.46, Grishma Plaza, Complex, Near Above Hot Spot Mobile Yeshwanthpur Circle, Centre, Gokul Road, Ist Above South Indian Bank, Stage, 3rd Phase, Triveni Road, Yeshwanthpur, Bangalore - Yeshwanthpur, Bangalore 560022 560022 Call: (080) 23574521 Call: (080) 32938015 Manappuram Finance Ltd No.360/13, Vnr Complex, 1st Floor, Near Sree Vidya Pre University College, 1st Main Road, Yeshwanthpur, Bangalore - 560022 Call: (080) 32210456 Asmitha Microfin Ltd No.12, Opp To Kerala Masjid, 1st Cross, Model Colony, Yeshwanthpur, Bangalore - 560022 Call: (080) 23476769 Signet Granite Finance No.19, LIC Colony, Yeshwanthpur, Bangalore 560022 Call: (080) 23373190 SRI SAI Finance No.13, Chowdeshwari Nagar, Yeshwanthpur, Bangalore - 560022 Call: 9538839784 Sri Financier 6th Main Apmc Yard, Yeshwanthpur, Bangalore 560022 Call: (080) 23377883 Sri Manjunatha Finance (R) Near Mysore Hospital, Water Tank Road, Yeshwanthpur, Bangalore 560022 Call: (080) 69578453 Harish No 258 4th Main 5th Cross, Behind Triveni Road, Venkateshwara Choutry, Yeshwanthpur, Bangalore 560022 Call: (080) 41275110 BSS Microfinance Pvt Ltd No.9, Opp. Kanteerava Film Studio, Devaraj Urs Truck Terminal, Peenya Main Road, Yeshwanthpur, Bangalore - 560022 Call: (080) 65732387 Manappuram Finance Ltd Building No.14/43-3, Behind Canara Bank Goraguntepalya, Tumkur Road, Goraguntepalya, Bangalore - 560022 Call: (080) 32210579 Chit Funds in Yeshwanthpur, Bangalore Om Vijayalakshmi Chits Pvt Ltd No-57,1st Flr, 7th Crs 5th Mn,Apmc Yard, Yeshwanthpur, Bangalore - Mysore Sales International Ltd Chit No.764/328, 1st Floor, Sairam Ljr Complex, Near To RTO Office & Opposite BSR | HERfinance Financial Products and Services Manual - India Cvn Chits Fund Pvt Ltd No 9, 1st Floor, Near Eshwara Temple, S.c Road, Yeshwanthpur Circle, Yeshwanthpur, Bangalore 22 560022 Call: (080) 49176280 To Adishwars Showroom, 1st Main Road, Yeshwanthpur, Bangalore 560022 Call: (080) 23574622 560022 Call: (080) 64080080 Margadarsi Chits No.721, Nr Nandhini Hotel, 24th Mn, 6th Phase, J P Nagar, Bangalore - 560078 Call: (080) 66495861 Hamsavahini Chits & Finance Co Pvt Ltd S C Rd, Yeshwanthpur Cle, Yeshwanthpur, Bangalore - 560022 Call: (080) 23478624 Shashi Kiran Chits Pvt Ltd No.1096 , 1st Floor, 3rd Crs,Kn Extension,Triveni Rd, Yeshwanthpur, Bangalore - 560022 Call: (080) 22902200 Shashi Kiran Chit Funds #1096, Opposite Prakash Jewellers, Triveni Road, Yeshwanthpur, Bangalore 560022 Call: 9902577535 BSR | HERfinance Financial Products and Services Manual - India 23
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