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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.

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