RETAIL BANKING
SAVE WITH SECURITY
Savings Account
CONVENIENT AND FAST PAYMENT SOLUTIONS
Debit, Credit and Prepaid cards
SUPPORT TO CREATE ASSETS AS PER ASPIRATIONS
Home, Vehicle and Personal Loans
INSURANCE TO ENSURE SUSTENANCE FOR DEAR ONES
Life and General Insurance
INVEST FOR RETURNS
Mutual Funds and Structured Investments
retail deposits
Our retail deposits include savings accounts, time deposits and tailor-made products for a few target groups, such as high net-worth individuals, senior citizens, working mothers, armed forces personnel, students and salaried employees.
RETAIL LENDING
We offer a wide range of retail asset products including personal loans, auto loans, consumer loans, loans against gold and education loans, along with different types of secured loans. Our payment products and services comprise debit cards, credit cards, travel currency cards and Point-of-Sale (PoS) terminals.
INVESTMENT PRODUCTS
We distribute market investment products such as mutual funds and bancassurance products (such as Life and General Insurance) through our branches. We further provide a simplified online trading platform – Axis Direct – to customers in association with Axis Securities Limited (a 100% subsidiary company of the Bank).
`148,202 CRORES
SAVING BANK DEPOSITS IN 2017-18
18% y-o-y GROWTH
`137,795 CRORES
RETAIL TERM DEPOSITS IN 2017-18
11% y-o-y GROWTH
Corporate Banking
`233,186 CRORES
NON-RETAIL ADVANCES IN 2017-18
14% y-o-y GROWTH
`95,650 CRORES
CURRENT ACCOUNT DEPOSITS IN 2017-18
10% y-o-y GROWTH
CREDIT
Our loan and fee-based products and services are tailored to meet the financial requirements of large and medium-sized corporate clients and SMEs. Our products and services include cash credit facilities, demand and short-term loans, project finance, export credit, factoring, channel financing, structured products, discounting of bills, documentary credits, guarantees, foreign exchange and derivative products. Our liability products for large and mid-corporate segments comprise current accounts, certificates of deposits and time deposits.
TREASURY
The Treasury supervises our funding position and maintains our regulatory reserve requirements. It invests in sovereign and corporate debt instruments and engages in proprietary trading in equity and fixed income securities, foreign exchange, currency futures and options. The division further governs our investments in commercial paper, mutual funds and floating rate instruments as part of the management of short-term surplus liquidity. Moreover, it offers a wide range of treasury products and services to corporate customers.
SYNDICATION
We also offer services of placement and syndication in the form of local currency bonds, rupee and foreign term loans, along with external commercial borrowings to corporate customers
TRANSACTION BANKING
Our Transaction Banking group (TxB) offers integrated products and services in the realms of current accounts, cash management services, capital market services, trade, foreign exchange and derivatives, cross-border trade and correspondent banking services; and tax collections on behalf of the Government of India and various State Governments.
INVESTMENT BANKING AND TRUSTEE SERVICES
We cater to investment banking and trusteeship services requirements of our corporate clients through our wholly-owned subsidiaries. Axis Capital Limited offers investment banking services relating to equity capital markets, institutional stockbroking and M&A advisory. Axis Trustee Services Limited is engaged in trusteeship activities, acting as debenture trustee and as trustee to various securitisation trusts.
