Cop Oration Bank

8/2/2019 Cop Oration Bank

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Company Profile

Corporation Bank is one of the oldest Banking Institutions in the Dakshina Kannadadistrict of Karnataka and one of the oldest banks in India .As the saying goes on A thousand

mile journey starts with small step. A step was taken by Shri Khan Bahadur Haji Abdullha Haji

Kasim Saheb Bahadur, a businessman of Udupi way back on the 12th

of March 1906 with a

group of philanthropist founded the Canara Banking Corporation of Udupi Limited.

A handful of people representing the various interests decided to promote the Canara

Banking Corporation of Udupi Limited. Eleven persons who included four pleaders, two

educationist, a insurance agent and a retired sub magistrate, where the first signatories of theArticles of Association and Memorandum of Association of the bank who had in all 111 shares.

The need to start this bank was felt because there was no such facility at Udupi, an

important trading centre next to Manglore in Dakshin Kannada district. The indigenous banking

was largely in the hands of few rich private individuals and something had to be done to provide

relief to the common man from the clutches of the money lenders who held fully swey. What

inspired the founding fathers was the fervor of swadeshism, for promoting the bank, the founder

president made an appeal saying, the primary object in forming the Corporation Bank is not

only to cultivate habit of thrifts amongst all classes of people, without distinction of the cast or

creed, but also habit of co-operation amongst all classes. This is swadeshism, pure and simple

and every lover of the country is expected to come forward and co-operate in achieving the end

in view. It was called through co-operation of all, shorn of distinction of caste and creed The

Canara Banking Corporation Limited as the institution was called then, started functioning as a

Nidhi with a humble beginning. The initial capital was Rs 5000.

Corporation Bank which was founded in 1906 and today it is a 106 year young bank.

The bank had its origin in the temple town, Udupi which was then a part of Dakshin Kannada

district. The credit of introducing the bank goes to the Canara Banking Corporation of Udupi

Limited. Corporation Bank is a public sector bank which has been silently creating waves among

the domestic banks in India. It is one of the Nationalized Banks in India.


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The bank withstood the challenges of the financial sector reforms and has emerged as the

one of the financially and fundamentally strong, well capitalized, technological sophisticated,

efficient, effective and one of the most profitable bank in India.

In the year 1952, Corporation Bank became the third bank in the country to receive

license from the Reserve Bank of India as Scheduled Bank. In the year 1961, the bank of

citizens was merged with the Corporation Bank. It was nationalized in April 1980, which

triggered the growth of the bank in terms of geographical reach and business volumes. The name

of the bank was changed from Canara Banking Corporation of Udupi Limited to Corporation

Bank in the year 1973 and the corporate office of the bank was shifted to Manglore.

Corporate Vision

The Most Preferred Bank with Global Standards

Corporate Mission

To become a provider of World-Class financial services. To meet customer expectations trough innovation and technological initiatives. To emerge as a role model with distinct culture identity, ethical values and good

corporate governance.

To enhance share holders wealth by sustained, profitable and financially soundgrowth with prudent risk management systems.

To fulfill national and social obligation as responsible corporate citizen. To create environment, intellectually satisfying and professionally rewarding to

the employees.

To maintain leadership in inclusive banking


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Service Profile

The Corporation Bank will provide the different services with CARE approach to the

customers. The service profile of the Corporation Bank is as follows:

Personal Products

A.Deposit Productsi. Corp Pragathi Account: Theaccount can be opened with an initial deposit of Rs 10/- and

will provide the account holder the basic banking facilities. No penalty will be levied even if

the balance in the account drops below Rs 10.

ii. Centenary Year Gold coin: It is 8gm Centenary Year Gold coin of 999.9 purity, 24 carat.This gold coin is available at Corp Bank branches in select cities across India to individuals

or retailers at a competitive price.

iii. Saving Bank: Corp Bank SB account holder will get the facilities like any Branch banking.Corp power cheque, Corp convenience card, Corp junior account, Corp senior account.

iv. Kshemanidhi Cash Certificates: KCC is a money multiplier deposit. It is a reinvestmentTerm Deposit scheme that can be opened for a period ranging from 6 months to 10 years.

The rate of interest depends on the period of deposit.

v. Money Flex: The flexible term deposit- it allows the customer to withdraw money wheneverhe/she wants. The deposit can be made for a period ranging from 6 to 120 months. The

minimum deposit is Rs 5000.

vi. Fixed Deposit: Thedeposit can be made for period ranging from 15 days to 10 years. Therate interest depends on the period of deposit.

vii.Corp classic: It is an innovative technology-based account that combines the hi-liquidity of asavings bank account and the high-returns of a Terms deposit. The account works simply by

fixing by fixing your savings from a savings bank account to a term deposit and vice versa.

viii. Recurring Deposit: Best suited to the salaried class, the customer can save a fixed sumevery month for a period ranging from 12 months to 120 months.


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ix. Janatha Deposit: This deposit is for a period from 1 to 5. Our collection agent will call atcustomers place to collect your savings at regular intervals even daily.

B.Personal Loans Productsi. Corp Plus: It isa loan facility to meet the short term financial requirement. This loan can be

availed by professionals having gross income of Rs 80000 p.a. The loan amount will be

limited to the extent of 25% of borrowers net annual income.

ii. Corp Rental: The loan may be availed for any productive purpose such as taking up newprojects, business or to meet domestic/personal/any other commitments. The minimum loan

amount is Rs 5 lakh.

iii. Education Loan: Under this scheme the bank finances the financial requirements of thestudent for higher studies.

iv. Consumer Loan: This is a financial arrangement to finance the purchase of consumerdurables. This loan can be availed to any person having an income of Rs 50000 p.a.

v. Home Loan + Insurance: Corp bank in association with the life insurance corporation ofIndia gives life insurance cover to the housing loan taken by the customers. Maximum term

assure under the scheme will be 3 years.

vi. Vehicle Loan: Corp Mobile offers the customer easiest motor cycle/car loans with absolutelyno hassles.

vii.Corp Mortgage: Under this scheme an individual can avail a loan minimum of Rs 1 lakhand maximum of Rs 25 lakh by mortgaging an asset as security.

viii. Other Personal loan Products: Corporation bank also offers few more personal loanproducts such as Corp Mitra, Loan against shares and Corp Home etc.


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C.Corporate ProductsCorporation Bank offers several corporate banking services. The bank offers unique

services tailor- made for the requirement of Corporate and large business houses as well as small

and medium enterprises.

i. Corp Fast: Corp fast is an innovative solution which facilities speedy realization ofoutstation cheques and instruments using latest communication technology.

ii. Project Finance: Corp Bank also finances the financial requirements for certain projects onthe basis of economic a technical feasibility of the project.

iii. Corp Rental: This facility helps the customer to encash the rent receivable from thecommercial properties.

iv. Forex: Corp Bank also offers Forex services to its customers. v. Working capital: Corp Bank also provides the short term financial facility to finance the

working capital requirements.

vi. Term Finance: The bank extends term loans for capital investment being made by theclients on account of expansion of existing enterprises for establishment of a new enterprise.

D.NRI Schemesi. Corp Express Money: The bank has entered into a tie up with UAE Exchange Center LLC

for facilitating global money transfers into India from Gulf region. With a view to facilitating

the NRIs in the Gulf and Middle East to transfer their earnings back home swiftly.

ii. NRI Loans: Corp bank is granting loans in rupees to NRIs against security of shares,immovable property in India corp. It also provides housing loans to NRIs.

iii. Forex Facility for Residents: Indian residents can get foreign exchange assistance fromCorporation bank for study in abroad, foreign travel, purchase of air tickets and investments.


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E.Internet Bankingi. Corp-E-cheque: It is an innovative product developed by Corp bank by combining the

power of Corp net the banks Internet Banking Services with EFT scheme.

ii. Corp Net: In the niche area of collection and payment services Corp bank has a leadershippresence in the country and caters exclusively to the cash management requirements of the

corporate.

F. Other Servicesi. Online Railway Reservation: The Bank has entered into a tie up with the Indian railway

catering and tourism corporation for online booking of railway tickets.

ii. Corp Mediclaim: This is a group medical claim insurance offered by the Corp Bank to itsaccount holders. This product has been devised to meet the medical insurance needs of banks

customer.

iii. Corp Junior: It enables parents whose children are studying away from them to remitmoney at periodic intervals in a hassle free manner.

iv. Corp Mobile Recharge: Electronic Recharge of pre-pad mobile phones is a facility whichcustomers having prepaid mobile phones to electronically recharge their mobile phones cards

by debiting their account through Corp bank ATMs or through SMS from their mobile

phones.

v. Corp Bullet RTGS Facility: It is a remittance facility, which enables customer to transferfunds to anybody anywhere within India. The facility works on the Real Time Gross

Settlement (RTGS) platform developed by the RBI.

vi. Corp Power cheque Multi city cheque Facility: Multi city cheque is a facility wherein thecustomer can issue cheques drawn at the base branch and payable at selected remote centers.

This cheques will thus, be treated as local cheques in the remote center selected by the

customer.


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Various deposits & Facilities provided by Corporation Bank

RD Plus: Special RD deposit scheme

RD PLUS Deposit:

Recurring deposit is a scheme in which the depositor remits small amounts of money in

monthly installments for a fixed period, to meet certain future commitments/contingencies,

at the end of which the accumulated deposit together with interest is repaid to him/her. RD

is safe, free from market risk/volatility and comes with assured returns.

RD PLUS, The new offering from Corp Bank offers much more

FREE PERSONAL ACCIDENT COVER of Rs.1.00 lakh

All accounts opened up to March 2011 are eligible for Personal Accident cover of Rs.1.00

lakh only, throughout the RD term.

SPECIAL DISCOUNT TO BUY GOLD COINS [on maturity]

On maturity, the customers may take the proceeds in cash or use the proceeds to buy GOLD

COINS at a special discount as under:

Coin Denomination Concession Rs.

4 gms 100/-

5 gms 125/-

8 gms 200/-

20 gms 300/-

50 gms 400/-


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To be eligible for this concession, the account must have completed its full term as per the

Scheme Guidelines.

New Corp Premium Deposit

New Corp Premium deposit scheme, for 33 months with 7.50% p.a.

1. Period of Deposit:

The deposit will be accepted for a fixed period of 33 Months

2. The Target Group:

The scheme is targeted towards individuals/ trusts/ institutions who keep the deposits for a

medium term.

3. Eligibility:

Any person entitled to open a domestic term deposit can open the NEW CORP PREMIUM

deposit account.

4. Amount:

Maximum amount will be less than Rs.1.00 crore.

5. Rate of interest:

7. 50 % p.a.

6. Deposits in the name of Senior Citizens/ Staff:

Additional interest payable to Senior Citizens/Staff as per the rules of the Bank asapplicable to domestic tem deposits is paid on this deposit also.

7. Premature closure:

The premature closure is permitted like any other domestic term deposits. The rate of


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interest will be the rate applicable for the run period less premature penalty as applicable

from time to time. [1% for all deposits irrespective of amount of deposit, w.e.f. 08-07-2008]

8. Renewal before maturity:

Renewal before maturity is be permitted as per RBI guidelines.

9. Loans against deposit:

Loan against deposit is permitted as per existing norms with regard to rate of interest and

margin applicable for loans against domestic term deposits.

10. Operational period:

The scheme is presently kept open for a limited period from 26-07-2010 to 15-09-2010.

11. Systems and Procedures:

As applicable to existing domestic KCC/FD (as opted by the party/depositor) The existing

Account Opening Form for Term Deposits can be used for NEW CORP PREMIUM

deposits also. Branches are advised to adhere to the systems & procedure applicable to

Term deposits in case of deposits accepted under N

12. Other Aspects:

All other aspects like transfer of accounts, settlement of claim in case of death of the

depositor, extension of Nomination facilities, calculation/payment of interest, effecting

TDS, renewal of overdue NEW CORP Premium Deposits, etc will be as applicable to

normal domestic term deposits.


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Savings Bank Account

Open a Savings Bank account with CorpBank to enjoy a host of hi-tech services and

facilities.

International Debit Card - To shop at merchant establishments and to withdraw cash at all

Visa ATMs worldwide. You can access CorpBank's network of online interconnected

ATMs and also avail the National Electronic Funds Transfer [NEFT] facility through

CorpBank ATMs across the country.

Internet Banking facility - Access your account from anywhere in the world

Any Branch Banking - With all our branches of the Bank networked across India, you can

now bank with the Bank and not just a Branch. Access and transact in your account from

any of the networked branches. Deposit / Withdraw Cash to / from your account, Instant

Fund Transfers to any account at these branches, Deposit local cheques at remote centres for

credit of your account elsewhere.

SMS Banking facility - Access your Bank Account and carry out variety of banking

transactions through your mobile phone.

Corp Power Cheq - Multi City Cheque Facility: A powerful facility wherein your cheques

are now payable at par at all CorpBank Branches. Available to select SB account holders.

Other facilities - Passbooks / Account statements, Cheque books, Tax Payments, Insurance

& Mutual Funds, Standing Instructions and all other facilities that you have been enjoying

with us for more than 103 years now.

Quarterly Average Balance - Rs 250/- at Rural Branches and Rs 500/- at other Branches.

Non-maintenance of QAB attracts a service charge of Rs 75/- per quarter.


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Who can Open

a) An individual in his/her own name

b) Individuals in their joint names with suitable repayment instructions

c) Minor represented by parent/guardian

d) Minor students above 10 years

e) Clubs, Societies, Associations, Trusts, Executors, Educational Institutions,

Administrators, HUF, etc.

Documentation Required

a) One passport size photograph

b) Identity Proof

c) Address Proof


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Corp Classic Savings Bank Account

Corp ClassicHigh tech Hassle Free Savings Account

Corp Classic - High Tech Hassle Free Savings Account

A combination of Savings Bank and Term Deposit features. Amount over and above the

minimum balance of Rs. 15000/- in CLSB portion of the account will be automatically

converted into term deposits in units of Rs.1000/- each (subject to a minimum of 5 units to

start with and in multiples of 5 units of Rs. 1000/-each thereafter). Whenever a cheque is

issued, and there is shortage of surplus funds over and above the minimum balance, units of

terms deposit are broken in such a manner so as to cause least loss to the depositor, the same

is credited to the CLSB Account and cheque is passed.

Special features: Facilities like, Auto Renewal Option of Deposits, Minimum Period

Maximum Interest - option, Reinvestment Option, Periodical payment of interest

[monthly/quarterly/half-yearly/ yearly] in case of FD, Fixed Maturity Date, are also available

in this Scheme. International Debit Cards and SMS Banking facility are provided FREE of

cost.

Period of Deposit: Deposit can be opened for a period of 15 days to 3 years as per the

customers choice.

Auto opening and closing of term deposits digitally by the system is another prominent

feature of this scheme. No need to remember, no need to visit the Branch to convert excess

balance in Savings Bank account manually to term deposits/ remember the maturity dates of

term deposits. No handling of multiple Deposit Receipts. A comprehensive Pass Book will

be given.


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Rate of Interest: 3.5% on daily balances maintained in SB portion and applicable interest

rates for balance maintained in term deposit portion. For current interest rates for term

deposits,

Interest Payment : On or before 10th of February / August every year for amounts

maintained in SB portion and monthly / quarterly for amounts in term deposits.

Other facilities : All other facilities as available for Regular Savings Bank account are also

available

Minimum Balance : Rs 15,000 at all Branches


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Corp New Gen - Students' SB account

Corporation Bank is pleased to inform the introduction of a new Savings Bank account

targeted at the student community. The Corp NewGen - Students SB a/c has several value

added services. The accounts have a reduced quarterly average balance, concession in

service charges for issuance of DD/PO, collection of cheques, ABB transactions, Free Debit

Card etc. The important benefits / features of the Corp Student SB a/c are as under:

Who can open the Account?

Only students who have completed 10 years of age and are pursuing regular courses can

open these accounts. Existing regular SB accounts of students already opened with the Bank

can also be converted to this new account. At the time of opening the account, the student

has to furnish a copy of student ID card issued by the school/college.

Initial Deposit & Quarterly Average Balance (QAB)

These accounts can be opened without any initial deposit. However, the a/c holder should

maintain a quarterly average balance of Rs 100/- thereafter.

Special facilities

In order to encourage students to open Savings Bank accounts with the Bank, it has been

decided to offer the following facilities / services: -

v No annual maintenance charges for Debit Cards

v No service charges for purchase of DDs / POs through the account upto a maximum of 5

instruments per month

v No service charges for collection of cheques upto a maximum of 2 instruments per month


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v No service charges for Any Branch Banking transactions

Other facilities available

v SMS Banking

v Internet Banking

v Personalized Cheque Book facility (For students above 18 years of age)

v Railway ticket booking / Mobile Recharge

All other facilities available to normal Savings Bank account shall also be available to this

account as per the same terms & conditions.

Account shall be converted to regular Savings Bank account on end date of course (as per

ID card).


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Current Account

Corporation Bank offers an assortment of current account products that is tailor made to suit all financial

requirements of all our customers be it individuals or corporate.

Account Quarterly Average Balance

Corp Business Account Rs 10,000 (Metros)

Rs 5,000 (Urban & Port Town)

Rs 2,500 (Semi Urban & Rural)

Corp Business Premium Account Rs 50,000 (all locations)

Corp Business Club Account Rs 100,000 (all locations)

Corp Business Privilege Account Rs 500,000 (all locations)

Open the account suited for you to enjoy a host of facilities that will take care of your entire banking

requirements.

Who can open:

a. Individuals of sound mind and who have attained majority.

b. Two or more individuals in their joint names.

c. Proprietary Concerns (Sole Proprietorships)

d. Partnerships Firms


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e. Hindu Undivided Families

f. Companies

g. Clubs, Societies, Associations, Committees, Schools etc.

h. Trusts

i. Executors

. Administrators

k. Government and Semi-Government Bodies, Local Authorities etc.

Based on the current account variant you choose, you will be eligible for a host of services at

free/concessional rates.


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Fixed Deposit

The high returns deposit - it is the high return term deposit scheme and interest can be paid at

regular intervals viz. monthly, quarterly, half yearly or yearly. The deposit can be made for

periods ranging from 15 days to 10 years. The rate of interest depends on the period of deposit. It

is an ideal deposit scheme for those who can plan for regular income.

CorpTax Saver - Tax Saving Term Deposit

Corporation Bank introduces CorpTax Saver, a new tax saving term deposit scheme.

Amount invested up to Rs. 1 lakh for a fixed period of 5 years is eligible for deduction from

income under Section 80 (C) of Income Tax Act.

Tax Saver Fixed Deposit (TSFD) - The depositors can opt for monthly, quarterly, half yearly or

yearly interest in case of TSFD.

Tax Saver Kshemanidhi Cash Certificate (TSKCC) - In case of TSKCC, the interest will be

quarterly compounded and the receipt shall bear the yearly rate of interest.

Eligibility: Individuals, either singly or jointly with other individuals including minors

represented by guardians & HUF assessee are eligible to open Tax Savings Term Depositaccount. [Quoting of PAN is mandatory]

Joint holder type of deposits may be issued jointly to two adults or jointly to an adult and a

minor, and payable to either of the holders or to the survivor.

In the case of joint deposits, the deduction from income under section 80C shall be available

only to the first holder of the deposit.

Period of the deposit: Fixed at 5 years.

Amount: The minimum amount is Rs. 100 and the maximum amount is Rs.1 lakh in a financial

year. The deposit is accepted in multiples of Rs.100 only.


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Rate of interest: As applicable to five year term deposit from time to time. Additional interest is

payable to senior citizens.

Nomination: Nomination facility is available to the depositor under the scheme as per the rules

applicable from time to time. No nomination shall be made in respect of a term deposit applied

for and held by or on behalf of a minor.

Mode of interest payment: Compound interest will be paid in TSKCC and simple interest will

be paid in case of TSFD. The depositors can opt for monthly or quarterly or half yearly or yearly

interest in case of TSFD. In case of TSKCC, the receipt shall bear the yearly rate of interest on

the term deposit receipt.

Premature Closure: No premature closure is permitted before the expiry of five years from the

date of its receipt.

Loans against deposits: No loans shall be granted against the deposits and deposit shall not be

accepted as collateral security for any other facilities also.

Tax deduction at source: Tax shall be deducted at source on the amount of interest

paid/credited in the account as per the guidelines issued under the Income Tax Act from time to

time.


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Continuous Deposit

The cluster deposit - Here you choose between simple interest and compound interest while

keeping your deposits in a cluster form. Continue to deposit, any amount, any number of times.

All deposits will be recorded in one account in a pass book making it easy for you to keep track

of your deposits. No hassles of having numerous deposit receipts.

Ready Cash Deposit

The high returns, high liquidity deposit - It is a fixed deposit scheme with a cheque facility to

withdraw whenever you want. Under the scheme, you can deposit a minimum of Rs. 5,000 for a

period ranging from 12 months to 36 months. The rate of interest depends on the period of

deposit. While your deposit earns at the agreed rate of interest, you can withdraw your money

through cheques. You need to pay interest in the amount withdrawn as per the rates fixed by the

Bank.

Recurring Deposit

Every drop counts - An ideal way to plan for future needs. Best suited to

the salaried class, you can save a fixed sum every month for a period

ranging from 12 months to 120 months. You get a lump sum amount on

maturity. Minimum amount of deposit is Rs 50/- p.m. in Rural and Semi

- Urban places and Rs 100/- p.m. in all other places and thereafter in multiples of Rs 25/-. There

is no maximum limit.

The rate of interest depends on the period of deposit and it is compounded quarterly. Interest is

paid annually and is ploughed back into principal every year.

The account can be opened by an individual in his / her own name, individuals in their joint

names with suitable repayment instructions, minors represented by guardian and by clubs,

societies, associations etc.


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Value added services

M-Banking :

Introducing another addition to the M-Banking sector in the Indian telecommunication scenario,

the Corporation Bank has brought free vpaycash mobile wallet service to its customers.

The new value added service would facilitate viewers with the option of purchasing with their

mobile handsets. Customers just have to transfer up to Rs.5000 from their Corporation Bank

Savings or Current account to their mobile wallet. However, to avail the full facilities of theservice the shop where the purchasing is being done must be equipped with the same system.

This new cost efficient service is secure and easy to use. Prior to this, Airtel, Idea Cellular and

Nokia have also launched the similar kind of m-wallet service in association with Union Bankand Axis Bank.

Credit cards :Corporation Bank is pleased to inform the introduction of its own Credit Card facility.

The Corp Bank International Credit Card has been specially designed taking into

account the conveniences and privileges you are used to. It has been our continuing

endeavor to always provide the best of services and provide remarkable benefits and

thus take care of your needs. In addition to the various services available from

Corporation Bank, you will also have access to the benefits, privileges and extensive

reach of the global VISA network.

Corp Bill PayIs a useful service that provides you a single point of contact for all your paymentneeds?

At Corp Bill Pay you can pay your bills and make other payments online. Instead of

writing a cheque each time, now you can use any device connected to the Internet(computer, kiosk, etc) and make payments with the click of a mouse.


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Mutual FundsIt has been the Endeavour of Corporation Bank to bring out new innovations and value

additions to its customers. The Bank is aiming to become a financial supermarket where its

customer is able to purchase a wide range of quality financial products under one roof.

The Bank now offers a wide range of mutual fund products be it equity -diversified or

sectoral, debt or liquid or for that matter balanced funds, depending on your risk appetite .

Corp Companion - Any Branch Banking Facility: With all our branches of the Bank

networked across India, you can now bank with the Bank and not just a Branch. Access and

transact in your account from any of the networked branches. Deposit / Withdraw Cash to / from

your account, Instant Fund Transfers to any account at these branches, Deposit local cheques at

remote centers for credit of your account elsewhere.

Corp Power Cheq - Multi City Cheque Facility: A powerful facility wherein your cheques are

now payable at par at any CorpBank branch in India. Adding more power to your Current

Account.

Funds Transfer: Instantly transfer funds to any account maintained at any of our networked

branches across India from your account.

Demand Drafts With our national presence, you can draw Demand Drafts in over 450 centres

across the country from Jammu to Nagercoil and from Bhuj tGangtok.

Corp Net - Internet Banking: Corp Net, our Internet Banking service allows you to access your

account any part of the world anytime.


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v Verify your account balances

v View and download your statement of accounts

v Make payments to third parties & transfer funds using Corp E-cheque

v Request for cheque books, demand drafts, Stop Payments

v Pay Utility Bill Payments online

v And many more services

Corp Convenience - International Debit cum ATM Card: Corp Convenience, our

International Debit Card assists you in accessing your account at over 1060+ Corp Bank ATMs

in addition to more than 10 lakh VISA ATMs worldwide. Moreover you can use the Card at

more than 10 million shopping outlets worldwide displaying the VISA logo.

Other facilities: Account statements, Standing Instructions and all other facilities that you have

been enjoying with us for over 103 years. We also have a unique product, Corp Payroll to make

your salary payments to your employees without any bother.

Documents

Cop Oration Bank