Indian Banking product: Non financial products

 

NON-FINANCIAL PRODUCTS (गैर-वित्तीय बैंकिंग उत्पाद)

Definition:

Jab bank customers ko financial services ke alawa kuch extra suvidhaye deta hai, jinme insurance, mutual funds, demat services shamil hote hain, to ise Non-Financial Banking Products kaha jata hai.

Non-Financial Products ke Pramukh Prakar (Types of Non-Financial Products)

1. Insurance Services (बीमा सेवाएं)

   • Bank Life Insurance, Health Insurance, Motor Insurance bechta hai.

   • Example: SBI Life Insurance, HDFC Ergo Health Insurance.

2. Mutual Funds (म्यूचुअल फंड्स)

   • Customers bank ke madhyam se Mutual Funds me invest kar sakte hain.

   • Example: SBI Bluechip Fund, ICICI Prudential Fund.

3. Demat & Trading Services (डीमैट और ट्रेडिंग सेवाएं)

   • Customers shares ya stocks me invest karne ke liye Demat & Trading Account khol sakte hain.

   • Example: HDFC Securities, Kotak Securities.

4. Credit Score Checking (क्रेडिट स्कोर जांच सेवा)

   • Banks customers ka CIBIL score check karne ki suvidha dete hain.

   • Example: Loan lene se pehle CIBIL score check karna.

5. Wealth Management (धन प्रबंधन सेवाएं)

   • Bank high-income customers ko investment aur tax saving ka professional advice deta hai

Non-Financial Products ka Mahatva (Importance)

✔ Customers ke liye ek hi jagah par multiple financial services uplabdh hoti hain.
✔ Savings aur investment ka sahi tarika milta hai.
✔ Life aur health insurance ki suraksha milti hai.

Example: Real-Life Non-Financial Banking Case

Suresh ne SBI Bank me Demat Account khola aur ₹50,000 ka stock invest kiya. Usko Mutual Fund aur Life Insurance lene ka option bhi mila.