Banking Awareness Updates – 23.08.2016

HDFC Bank looking to boost share of corporate loans


  • HDFC Bank Ltd, an Indian lender whose earnings have risen by at least 20% every year since 1998, is seeking to bolster its share of the nation’s corporate-loan market as surging bad debts hold back rivals.
  • The lowest non-performing-loan ratio among the biggest Indian lenders and the highest market capitalization is allowing HDFC Bank to invest in operations and extend more credit, as counterparts including State Bank of India and ICICI Bank Ltd combat soured debt.
  • Private banks in India are extending loans faster than their state-run counterparts, which account for more than 70% of the total outstanding advances. Led by managing director Aditya Puri, HDFC Bank’s loan book grew by 23% in the 12 months through 30 June to Rs.4.7 trillion, exchange filings show.
  • About 47% of that is classified as wholesale lending while the rest is loans to individuals. Mr. Balasubramanian, who joined the bank in May, said he expects corporate lending—part of wholesale book—to grow 20% in the year ending March 2017. “There is positive momentum in the infrastructure space—roads, railways and defence,” he said.


Union Bank raises Rs.1,000 crore through bonds


  • State-owned Union Bank of India   today raised Rs 1,000 crore through bonds to fund business growth.
  • The bank issued 10,000 Basel III compliant Tier II bonds of face value Rs 10,00,000 each at par aggregating to Rs 1000 crore on private placement basis, UBI said in a regulatory filing on stock exchanges.
  • The bonds bear 8 per cent coupon rate payable annually, it said. The bonds are issued for a period of 10 years, with call option after 5 years and thereafter on all coupon payment dates, it said.


IDFC Bank Gets Tough with Large Defaulters


  • IDFC Bank, the newest private sector lender in the country, has stepped up recovery efforts against large defaulters after its gross non-performing loan ratio crossed the 6 per cent mark. Its legal team has upped the ante and is now busy filing winding up petitions and taking companies to court.
  • “Our ability to get finality on these assets is frustratingly slow and that is just the world in which we live,” Mr. Rajiv Lall, founder CEO of IDFC Bank told ET. In the quarter gone by the bank’s absolute gross non-performing loans reached Rs 3,029 crore almost 6.09 per cent as a share of its gross advances.
  • Provisions made during the quarter were at Rs 23.6 crore in first quarter, higher than Rs 11.89 crore in the January-March period. The bank had set aside a significantly large amount of capital of about Rs 2,500 crore in provisioning in September quarter last year.


No Retail Lending Bubble in India:SBI Chief


  • At a time when corporate credit demand has not picked up yet, banks are relying on retail lending to help grow their books. On a question if it was leading towards a bubble, SBI chairman Mrs. Arundhati Bhattacharya said retail lending in India is still less than 10% of the country’s GDP, which is far less than other developing nations.
  • “There is unmet demand for retail credit in the system which can be met in a secured manner by extensive use of data analytics. Hence, there is room for banks to grow their retail books,” said Bhattacharya on Monday at an Indo-American Chamber of Commerce event.


Yes Bank appoints Ashok Chawla as non-exec chairman


  • Former CCI head Mr. Ashok Chawla will take over as Non-Executive Part-time Chairman of YES Bank from October as the lender has received approval from the Reserve Bank for this appointment.
  • YES Bank said Chawla’s appointment is for a period of three years, with effect from the date of joining the bank.
  • He was appointed as an independent director on the Board of YES Bank on March 5, 2016.


RBL Bank IPO subscribed three times


  • RBL Bank’s initial public offering (IPO) of shares has been subscribed three times a day before its close. The 37.9 million-share offering had received 117 million bids, data provided by stock exchanges show. The Rs 1,200-crore IPO closes on Tuesday.
  • The retail (small investor) portion of the IPO has already been subscribed 3.25 times, institutional (big) investor portion has been subscribed 4.3 times and high net worth (rich) individual quota has been fully covered. Typically, most bids in an IPO come on the final day.

Major Thermal Power Plants (TPP) in India  Power Station ,District & State 

Mundra(TPP) Kutch Gujarat 
Vindhyachal (STPS) Singrauli Madhya Pradesh 
Tirora(TPP) Gondia Maharashtra 
Amravati(TPP) Amravati Maharashtra 
Korba(STPP) Korba Chhattisgarh 
Sant Singaji (TPP) East Nimar Madhya Pradesh 
Chandrapur Super (TPP) Chandrapur Maharashtra 
Sipat (TPP) Bilaspur Chattisgarh 
Khaperkheda (TPS) Nagpur Maharashtra 
Satpura (TPS) Betul Madhya Pradesh
Ukai (TPS) Tapi Gujarat 
Bhilai (EPP) Durg Chhattisgarh 
Sikka(TPS) Jamnagar Gujarat
Talcher(STPS) Angul Odisha 
Hirakud(CPP) Sambalpur Odisha 
Barauni(TPS) Begusarai Bihar 
Patratu(TPS) Jaisalmer Jharkhand 
Bokaro(TPS) Bokaro Jharkhand
Durgapur(TPS) Bardhaman West Bengal 
Rihand (TPS) Sonebhadra UP 
Singrauli(STPS) Sonebhadra UP 
Anpara(TPS) Sonebhadra UP 
Obra(TPS) Sonebhadra UP 
Rosa (TPS) Shahjahanpur UP
Chhabra (TPP) Baran Rajasthan 
Panki (TPS) Kanpur Uttar Pradeh 
Simhadri(STPP) Vishakapatnam Andhra Pradesh 
Udupi(TPP) Udupi Karnataka
Bellary(TPS) Bellary Karnataka 
Mettur(TPS) Salem Tamil Nadu


  • TPP   – Thermal Power Plant
  • STPS – Super Thermal Power Station
  • STPP – Super Thermal Power Plant
  • TPS   – Thermal power Station
  • EPP   – Expansion Power Plant
  • CPP   – Captive Power Plant


Sakshi Malik creates history, wins bronze medal in women’s freestyle 58 kg wrestling at Rio Olympics

rio-olympicsSakshi Malik became the first Indian woman wrestler to win an Olympic medal, as she clinched the bronze in the women’s freestyle 58 kg category early on Thursday IST in Rio de Janeiro. Malik beat Aisuluu Tynybekova of Kyrgyzstan in the bronze medal match 8-5 following a sensational comeback in the second period, after trailing 0-5 at halftime.

Tynybekova scored the first point of the bout after Malik was penalised for passivity. The Kyrgyzstani soon got four more points for two take-downs as the first period ended with Malik trailing 0-5. However, Malik fought back remarkably in the second period with successive take-downs to level the score, before clinching three points in the last few seconds of the period to take the bout.

Malik, thus, became India’s first medallist at Rio 2016. It was a remarkable turn of events for the 23-year-old, who was given a second chance at winning a medal after losing to Russia’s Valeria Koblova in the quarter-finals on Wednesday. Koblova went on to reach the final, which put Malik through to the repechage round. The Indian wrestler then beat Orkhon Purevdorj of Mongolia 12-3 in the repechage round to progress to the bronze medal playoff.

Japan’s Kaori Icho won the gold, beating Koblova in the final. The 32-year-old Japanese also created history, becoming the first woman in any sport to win an individual gold medal in four different Olympic Games. She has won the gold in the 2004, 2008, 2012 and 2016 Olympic Games.


List of Important awards and their fields in India :



Nobel prize

Peace, Literature, Economics, Physics, Chemistry, Medical science
Grammy Awards Music
Man Booker prize Authors of Novels
Tansen Award Music
Pulitzer Prize  Journalism and Literature
Lenin Peace Prize Peace and Friendship
Ashok Chakra Civilians
Dhanvantri Award Medical Sciences
Kalinga  Science
Lalit Kala Akademi Award Arts
Kalidas Samman Classical Music, Classical Dance and Arts
Magsaysay Public Service, Leadership, Journalism, Literature and creative arts and international understanding
Bowelay  Award Agriculture
Sangeet Natak Akademi Award- Music, dance and Drama
Merlin Magic
Dhanwantri Medical science
Shaurya Chakra Civilian or Military Personnel
Param Vir Chakra Military
Shanti Swarup Bhatnagar Award Science and Technology
Sahitya Akademi Award Literary
Bhatnagar Science
Juliet Curie Award Peace
R.D. Birla Award Medical sciences
Right Livelihood Award Field of environment and social justics
Abel Maths
Bhartiya Jnanpeeth Award Literary
Vyas Samman Literature
Bharat ratna Art, Science, Public services, Sports
Sahitya Akademi Award Books in Indian Languages and Ebnglish

List of Film Awards and their Fields :



Oscar Awards Film
Santhosham Awards
BAFTA Awards Television, Films, Video Games and Animation
Nandi Awards
Sun Kudumbam Awards
Dada sahib phalke  Film
Vijay Awards
Asianet Film Awards
cinema Awards
SIIMA Awards
Screen Awards

List of Sports Awards and Their Fields :



Ekalavya Award Sports
Rajiv Gandhi Khel Ratna Players
Arjuna Award Sport
Dhyan Chand Sports
Dronacharya Award Sports coaches
Kolanka Cup- Ekalavya Award Sports
Maharaja Ranjit Singh Ekalavya Award Sports

1.Bharat Ratna – It is the highest civilian award of the India. The award was given for outstanding achievements in the arts, literature,science and public services but the government expanded the criteria to include “any field of human endeavour” The number of annual awards is restricted to a maximum of three in a
particular year.

2. Padma Awards – Padma Vibhushan , Padma Bhushan and Padma Shri awards are for exceptional and distinguished service in any field including service rendered by Government servants.

3. Gallantry Awards – Param Vir Chakra (PVC),Ashok Chakra, Shaurya Chakra are given for appreciating the brave and gallant .

4. Nobel Prize – The Nobel Prize is widely regarded as the most prestigious award available in the fields of literature, medicine, physics, chemistry, peace, and economics.

5. Booker Prize – Literature
It is an annual award for the best original novel, written in the English language, and published in the UK literary award.

6. Vyas Samman – Literature
Vyas Samman is awarded annually by the K.K.Birla Foundation in recognition of the Hindi literary work published in past 10 years.

7. Moorti Devi Award – Literature
The Moortidevi Award is an annual literary award in India presented by the Bharatiya Jnanpith organization for a work which emphasizes Indian
philosophy and culture.

8. Saraswati Samman – Literature
The award was instituted in 1991 by the K. K.Birla Foundation. It is an annual award given for outstanding prose or poetry literary works in any 22 Indian languages.

9. Jnanpith award – Literature
The award was instituted in 1961 and it is It is presented by the Bharatiya Jnanpith, a trust founded by the Sahu Jain family, the publishers of the newspaper The Times of India. It is an
annual award given for outstanding prose or poetry literary works in any 22 Indian languages.

10. Bihari Puraskar – Literature
Bihari Puraskar is a literary award instituted by K. K. Birla Foundation. The award is named after the famous Hindi poet Bihari and is awarded to an outstanding work published in Hindi or
Rajasthani by a Rajasthani writer.

11. The Oscar/Academy Awards – Films
This is an annual American awards ceremony honoring cinematic achievements in the film industry.

12. Dadasaheb Phalke Award – Cinema/Films
The Dadasaheb Phalke Award is India’s highest award in cinema. It is presented annually at the National Film Awards ceremony by the Directorate of Film Festivals, an organisation set
up by the Ministry of Information and

13. Arjuna Award – outstanding performance from the sports persons in sports and games.
The Government has modified the format of Arjuna Award very recently and as per the revised schematic guidelines a sports person must have very good consistent performances
for the previous 3 years at the international level to be considered as eligible for the Award.

14. Dronacharya Award – Eminent coaches of any particular sport
The award is named after the very famous archery coach, mentioned in the epic of India known as the Mahabharata. This very award is not related with the sports persons who are still playing in the field; instead this is related to those eminent coaches of any particular sport.

15. Dhyan Chand Award – The award that is given to the veteran sports persons of India for their lifetime achievement in their respective field
of sport is named as the Dhyan Chand Award for Life Time Achievement in Sports and Games .

16. Rajiv Gandhi Khel Ratna Award – The Rajiv Gandhi Khel Ratna is the highest honour bestowed to a sports person for his/her achievements in India.

17. Stirling Prize – Architecture
The Royal Institute of British Architects Stirling Prize is a British prize for excellence in architecture.

18. Aga Khan Award – Architecture
The Aga Khan Award for Architecture (AKAA) is an architectural prize established by Aga Khan IV in 1977. It aims to identify and reward
architectural concepts that successfully address the needs and aspirations of Islamic societies in
the fields of contemporary design, social housing, community development and improvement.

19. Pritzker Prize – Architecture
The Pritzker Architecture Prize is awarded annually “to honor a living architect.

20. Shanti Swarup Bhatnagar Prize – Science & Technology
The Shanti Swarup Bhatnagar Prize for Science and Technology (SSB) is a science award in Indian given annually by the Council of Scientific and Industrial Research (CSIR) for notable and outstanding research, applied or fundamental, in biology, chemistry, environmental science, engineering, mathematics, medicine and Physics.

21. Kalinga Prize – Science
The Kalinga Prize for the Popularization of Science is an award given by UNESCO for exceptional skill in presenting scientific ideas to lay people.

22. Grammy Award – Music
A Grammy Award, or Grammy, is an accolade by the National Academy of Recording Arts and Sciences of the United States to recognize outstanding achievement in the music industry.

23. Abel Prize – Mathematics
The Abel Prize is an international prize awarded annually by the Government of Norway to one or more outstanding mathematicians.

24. International Gandhi Peace Prize – This award is given to individuals and institutions for their contributions towards social, economic and
political revolution through non-violence and Gandhian philosophy . The award carries Rs.10 million in cash.

25. Lal Bahadur Shastri National Award –This is for Excellence in Public Administration,Academics and Management.

26. Green Star Awards – The Green Star Awards recognize those who have made extraordinary efforts to respond to environmental disasters around the world.

27. Magsaysay Award – Public Service,
Leadership, Journalism, Literature,creative arts and international understanding.

28. Pulitzer Prize – The Pulitzer Prize is an award for achievements in newspaper and online journalism, literature, and musical composition in the United States.

29. Sahitya Akademi Award – Books in Indian Languages and English.

30. Manthan Award – It is an initiative in India to recognize the best practices in e-Content and Creativity.

31. FiFi Awards – The FiFi Awards honor the fragrance industry’s creative achievements.

32. Sangeet-Natak Akademi Award – Music, dance and Drama.

33. BAFTA Awards – Television, Films, Video Games and Animation.

Name of Bank and it’s taglines

Exambin presents the list of Public sector banks in India along with their taglines.In addition to this we have also mentioned the proposed merger of SBI’s associate banks and Bhartiy Mahila Bank with state bank of India.We also explained that how this merger will affect the condition of Indian banking. The list can be useful for students preparing for competitive exams.



Allahabad Bank

A Tradition of Trust

Andhra Bank

Where India banks

Bank Of Baroda

India’s International Bank

Bank Of India

Relationship Beyond Banking

Bank Of Maharashtra

One Family One Bank

Canara Bank

Together We Can

Central Bank Of India

Build A Better Life Around Us

Corporation Bank

Prosperity For All

Dena Bank

Trusted Family Bank

IDBI Bank  

Banking for all

Indian Bank

Your Tech-Friendly Bank

Indian Overseas Bank

Good People to Grow With


Where Every Individual is Committed

Punjab National Bank

The Name You Bank Upon

Syndicate Bank

Your Faithful And Friendly Financial Partner

UCO Bank

Honours Your Trust

Union Bank Of India

Good People to Bank With

United Bank Of India

The bank that begins with “U”

Vijaya Bank

A Friend You Can Bank Upon

List of Public sector banks in India and their headquarters

Exambin presents the list of Public sector banks in India and their headquarters along with their taglines and year of establishment.In addition to this we have also mentioned the proposed merger of SBI’s associate banks and Bhartiy Mahila Bank with state bank of India.We also explained that how this merger will affect the condition of Indian banking. The list can be useful for students preparing for competitive exams.


Banks Head Quarters Tagline Establishment
Allahabad Bank Kolkata A Tradition of Trust April 24, 1865
Andhra Bank Hyderabad Where India banks Nov 20, 1923
Bank Of Baroda Vadodara (Baroda) India’s International Bank July 20, 1908
Bank Of India Mumbai Relationship Beyond Banking Sep 7, 1906
Bank Of Maharashtra Pune One Family One Bank 1935
Canara Bank Bengaluru Together We Can 1969 (Canara Bank Ltd. in 1910)
Central Bank Of India Mumbai Build A Better Life Around Us Dec 21, 1911
Corporation Bank Mangalore Prosperity For All Mar 12, 1906
Dena Bank Mumbai Trusted Family Bank 1938
IDBI Bank Mumbai Banking for all / Aao Sochein Bada July 1964
Indian Bank Chennai Your Tech-Friendly Bank Aug 15, 1907
Indian Overseas Bank Chennai Good People to Grow With Feb 10, 1937
OBC New Delhi Where Every Individual is Committed Feb 19, 1943
Punjab National Bank New Delhi The Name You Bank Upon May 19, 1894 (founder – Lala Lajpat Rai)
Syndicate Bank Manipal Your Faithful And Friendly Financial Partner 1925
UCO Bank Kolkata Honours Your Trust Jan 6, 1943
Union Bank Of India Mumbai Good People to Bank With Nov 11, 1919
United Bank Of India Kolkata The bank that begins with “U” Nov 11, 1919
Vijaya Bank Bengaluru A Friend You Can Bank Upon 1931
State Bank of India Mumbai Pure Banking Nothing Else,With You-All The Way July 1, 1955 (earlier Imperial Bank of India)
State Bank Of Mysore Bengaluru Working For A Better Tomorrow 1913
State Bank Of  Hyderabad Hyderabad You Can Always Bank on us August  8, 1941
State Bank Of  Patiala Patiala Blending Modernity With Tradition 1948
State Bank Of Travancore Thiruvananthapuram A Long Tradition Of Trust September 12, 1945
State Bank of Bikaner & Jaipur (SBBJ Jaipur The Bank with a vision. 1963




Structure of Banking Sector in India

SBI management decided to merge its 5 other associated banks and the Union cabinet on 15 June 2016 approved this merger. The proposed merger will likely create one of the largest lenders in Asia. List of associate banks is given below:

The merged entity will create a banking behemoth, which can compete with the largest in the world, with an asset base of Rs 37 lakh crore or over USD 432 billion. SBI alone has close to 16,500 branches, including 191 foreign offices, spread across 36 countries.

The current status of the SBI associated banks is:

After the merger of the associated banks of the SBI, the status of State Bank of India at the world level will be as:



Motor Vehicle (Amendment) Bill, 2016

The Union Cabinet, chaired by the Prime Minister Narendra Modi, has given its approval for Motor Vehicle Amendment Bill 2016.

Need for change

Every year 5 lakh road accidents are reported in the country in which 1.5 lakh people lose their lives and the Government is aiming to reduce the accidents and fatalities by 50% in five years. To address the issue of road safety, a draft Road Transport & Safety Bill was prepared soon after NDA Government came to power. However, most of the States have expressed reservations.

To address the issue of road safety and to improve the facilitation of the citizens while dealing with transport departments, Ministry of Road Transport & Highways constituted a Group of Transport Ministers (GoM) of the States. A total of 18 Transport Ministers from different political parties participated in these meetings and they have submitted three interim reports.

The GoM recommended that to address the pressing issue of road safety and improving transport scenario, Government should immediately bring amendments to the present Motor Vehicle Act. On the basis of recommendations of the GoM and other pressing requirements, MoRTH introduced the Motor Vehicle (Amendment) Bill 2016 for consideration of the Cabinet, which has been approved.

Important Provisions

The important provisions in Motor Vehicle Amendment Bill include an increase in compensation for Hit & Run cases from Rs. 25000 to Rs. 2 lakhs. It also has provision for payment of compensation up to Rs 10 lakh in road accidents fatalities.

The Bill also proposes insertion of 28 new sections. The amendments mainly focus on issues relating to improving road safety, citizens’ facilitation while dealing with the Transport Department. Strengthening rural transport, last mile connectivity and public transport, automation and computerization and enabling online services.


Here’s what the new fines for traffic violations are.

Motor-Vehicle-Act-2016-IndiaThe new fines according to the amendments to Motor Vehicle Act. (Photo Courtesy: Press Information Bureau India)

APJ Abdul Kalam – Quiz

Today is the first anniversary of Our Former President, Dr. Abdul Kalam, who is also a world renowned scientist. He is immensely modest, soft-spoken, very well mannered, unassuming and is true example of ‘simple living and high thinking’. He is the a eleventh President of India and his rise to his present, coveted post proves the successful functioning of our great democracy. He assumed this august office on July 25, 2002.

On the event of this we would like to recall his life in brief at the end of this article there is a quiz take that quiz also.

wings of fire ebookdownloadnow

Share Quiz results with your friends and get a chance to WIN his AUTOBIOGRAPHY Book – WINGS OF FIRE for FREE* 

Prior to his becoming the President, Dr Kalam had held different posts in DRDO (Defense Research and Development Organisation) and in ISRO (Indian Space Research Organisation). With ISRO, he was the Chief instructor of SLV3 project, which saw the successful launching of India’s various missiles.

They include Agni, Akash, Prithvi, Naag, Trishul etc. Owing to the success of this project, Dr. Kalam became famous as the ‘Missile Man, all over the country’. Our first nuclear test at Pokhran in Rajasthan was successfully carried out under his supervision.


His great contribution was acknowledged, when the government awarded him the highest commendation of the country, ‘The Bharat Ratna’.

As he was born in a middle class family at Rameshwaram in Tamil Nadu on October 15, 1931, Dr. Kalam’s miraculous success is a rag to riches story, indeed! Ever since his school days, he had been extremely hardworking, careful, regular and devoted to his goal.

Rather than accepting financial help from anyone for his studies, he met his expenses by selling newspapers. By doing this, he supported not only himself but his family as well.

Dr. Kalam is a man of vision and has lofty dreams for Mother India. Soon after taking oath of office as President, he addressed his countrymen, announcing his resolve to make India a developed country as soon as possible. His other priority is the national security.

Our President is secular to the core and hence his great Popularity with all sections of society. He even reads the Quoran as well as the Gita everyday and greets his visitors with Ram Ram’ and ‘Salam’. Apart from reading, he has great interest in Indian classical music and is also a good writer. His two books ‘India 2020’ and ‘Wings of Fire’ depict his personality as a thinker as well as a great visionary.


[viralQuiz id=3]

Need For Health Insurance

Health Plans supply money security to fulfill health related contingencies. due to dynamical lifestyles, health problems haven’t just escalated, they have increasingly} become more advanced in nature. It becomes imperative so to possess a health insurance set up in place, to make sure that regardless of however important your sickness, it doesn’t impair your money independence.Need For Health Insurance
In the race to stand out in our skilled lives and supply the most effective for our preferred ones, we have a tendency to sometimes neglect our most significant plus – our health and in result our lives. With increasing levels of stress, negligible physical activity and a deteriorating atmosphere as a result of fast urbanization, our vulnerability to diseases has enhanced at an terrible rate. Evidently, life style diseases are set to rise to distressing levels. The result’s enhanced expenditure as also contingent expenditures, that means being jolted by a financial shock after you least expect it. In several cases, individuals are forced to borrow cash or sell assets to hide their medical expenses.
This can be negotiated simply with insurance plans. By choosing a medical contract or critical illness insurance rider you’ll guarantee your health ne’er gets within the means of your finances. All you would like is that the monetary discipline to pay marginal quantity as premium, that could be a tiny value to pay to stay your health and finances so as.
Health insurance provides risk coverage against expenditure caused by any unforeseen medical emergencies. In current times of high medical inflation rates, failing to hold adequate amount of health insurance cover can prove to be a major personal finance disaster. This could lead to either poor health care because of non-affordability or spiral an individual into financial distress due to high medical bills.
As medical care advances and treatments increase, health care costs also increase. The purpose of health insurance is to help the consumer pay for care. It protects the insurer and their family financially in the event of an unexpected serious illness or injury that could be very expensive. In addition, the insurer is more likely to get routine and preventive care if they have health insurance.
Everyone needs health insurance because one cannot predict what their medical bills will be. In some years, your costs may be low. In other years, one may have very high medical expenses. If an individual has health insurance, he or she will have peace of mind in knowing that they are protected from most of these costs. You should not wait until you or a family member becomes seriously ill to try to purchase health insurance.

New apps and services by Indian Banks

1) Airtel money – AXIS BANK+AIRTEL
2) Asha Home loan – AXIS BANK
4) Branch on Wheel – ICICI Bank in Odisha
5) Chillar – Hdfc Bank
6) China’s first online Banking “webank” – Tancet Holdings
7) DDA Housing Scheme 2014 – HDFC Bank
8) Digital Banking “POCKET” – ICICI
9) Digital Village Project in Akodara Village of Gujarat – ICICI
10) eforex – SBI
11) E-KYC – SBI
13) E-Wallet – IRCTC
14) Facebook-based funds transfer platform “KayPay” – Kotak Mahindra Bank
15) First home grown INDEX “COMPOSITE INDEX” – SBI
16) I-Mobile app for windows phone – ICICI
17) India’s first” transparent credit card “in association with American Express – ICICI
18) ICICI Apathon App – ICICI Bank launches ‘ICICI Appathon’, a Mobile App Development Challenge
19) India’s first credit card exclusively for GOLF LOVERS – RBL Bank
20) Instant money transfer – BOI
21) Instant Money Transfer (IMT) – Bank of India
22) Kisan card – AXIS BANK
23) Maha Millionaire”, “Maha Lakhpati” – Bank of Maharashtra
24) M-Pesa – ICICI+Vodafone
25) M-Wallet – Canara Bank
26) State Bank Freedom App – State Bank of India
27) Student Travel Card – ICICI
29) Tap and pay – ICICI
30) Twitter Handle account – SBI
31) Video conferencing – Indusuld & federal bank
32) Youth for India – SBI
33) First home grown INDEX “COMPOSITE INDEX” – SBI
34) I­Mobile app for windows phone – ICICI
35) India’s first” transparent credit card “in association with American Express – ICICI
36) India’s first credit card exclusively for GOLF – RBL Bank
37) Instant money transfer – BOI
38) Kotak Bharat’ mobile banking app – Kotak Mahindra Bank (KMB)
39) ‘Saral­ Rural Housing Loan’ Scheme – ICICI Bank
40) Awareness initiative ‘Dhanchayat – HDFC Bank