• Overview of deposit function of a bank branch
  
• Various types of deposits
• Demand deposits
  
• Time deposits
  
• Advantages and disadvantages of different types of deposits
  

Target Audience

Those who are interested in understanding the operations of a bank branch with respect to deposits.

Instructional Method
Dynamic, Interactive e-learning

Recommended Background
Familiarity with basic financial concepts

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1. Overview of Deposit Function

• The relative importance of different sources of funds to a bank
  
• Deposit-taking function of a bank
  
• Importance of deposits for the depositors and for the country's economy
  
• The different kinds of customers who can open deposit accounts
  
• The mode of operation of joint accounts
  
• The advantages of nomination for sole account holders
  

2. Demand Deposits

• Essentials of a cheque and types of cheque crossings
• Key requirements for opening deposit accounts of individuals
  
• Requirements for opening deposit accounts of various legal entities
  
• Modes of operation of joint deposit accounts of individuals
  
• Need for nomination in individual deposit accounts
  
• Closure of demand deposit accounts

3. Time Deposits

• Definition, features, and legal aspects of fixed deposits
  
• Opening of fixed deposit accounts and issuance of fixed deposit receipts
  
• Payment and renewal of fixed deposits
  
• Pre-payment of fixed deposits
  
• Features of recurring deposits
  
• Certificate of deposits
  
• Features of flexi-deposits
  
• Features of Non-resident deposits: Foreign Currency Non-resident (FCNR) deposits and Non-resident Rupee External (NRE) deposits

4. Types of Deposits - Advantages and Disadvantages

• Checking deposits
• Saving deposits
• Fixed deposits