More than 3,400 branches in 70+ countries, the 1991 merger Algemene Bank Nederland and Amsterdam Rotterdam Bank had a long-standing presence in India since 1920 in Kolkata known traditionally as a strong "diamond financing bank". ABN AMRO Bank India started functioning in 1991 in Delhi and till date it has branches in Chennai, Pune, Baroda, Hyderabad, Bangalore and Noida servicing multiproduct relationship with customers. It formed AA Securities [I] Pvt. Ltd. in September 1998.
Abn Amro Bank is among the top 10 banks in the world in size and strength with assets over US$504 and an AA credit rating. In more than 320 cities, it is having over 1,00,000 well qualified staffs.
Tuesday, December 28, 2010
Discretionary Fund Management Service
1) What is the Discretionary Fund Management Service (DFMS)?
Ans: A service for those investors interested in investing via regular saving plans or lump sum contributions
DFMS helps you manage the large array of funds life insurance companies have made available to you by selecting funds according to your personal profile and objectives
Investment professionals, backed by a competent administration team, set up and regularly monitor your investment structure and the performance of the funds in which you invest.
Ans: A service for those investors interested in investing via regular saving plans or lump sum contributions
DFMS helps you manage the large array of funds life insurance companies have made available to you by selecting funds according to your personal profile and objectives
Investment professionals, backed by a competent administration team, set up and regularly monitor your investment structure and the performance of the funds in which you invest.
Saturday, August 28, 2010
Remember some of those ’80s ads?
Remember some of those ’80s ads?
Memory is a very tricky thing. We may remember some things and not other, less pleasant experiences. On the one hand, I know that what I remember is not exactly how life was in the past. On the other hand, I cannot doubt the truth of this memory. When we remember nostalgically the past memories, we wish we could relive or return to those good days once again. Compared to our present time, the time in the past seems to us so much freer, more energetic, more affectionate and more perfect. We yearn for those moments but we know they are irrevocable. Nostalgia can only confirm that the separation with something that we value and long for cannot be bridged in our present. It is an unfulfilling longing. We sense the lack. We sense the impossibility of retrieving the lost time. We feel regret.
Nostalgia is more commonly referred to not as a medical condition or a field of study, but as a feeling that any normal person can have. Nostalgia can often be associated with a fond childhood memory, a certain game or a treasured personal object. In the above given link, I have spoken more about my childhood memories. Amongst other things, I have mentioned a few of the ads I saw in the ’80s on television. Recently, I also wrote a couple of posts about the LIRIL girl and the 1950s Johnson’s Baby ad. A few comments in the previous post asked me to write more about the old ads that we had seen in our childhood. Hence continuing on ads, I remembered (thanks to Sundar) a few more ads from the ’80s and penned some details, jingles, punchlines and stories related to them. All the readers who have seen these ads might have instant recall, I feel.
FROOTI: To this day, you can hear it on board any train: “Ey, thanda Frooti, cold draaaaaannnnk”. Mango Frooti had an original ad with a jingle that ended, “Mango Frooti, fresh and juicy” Later in the early 90s, this ad was set to the tune of the then-famous “Ice Ice Baby”.
GLUCON- D: “Glucon-D, yeh jaan mein jaan daal de – peete hi!” variations include: “iske saath ek foot-patti, muft muft muft!” and “Mmm! Santre jaisa mazedaar!”, says the kid who turns into a superhero. One of the ads featureed this superhero stuck in a traffic jam inside a bus. The driver is really tired and they are moving real slow and in jerks. Suddenly, our hero clicks his fingers – Ah, I have an idea! He exits the bus running, and changes into Super Glucon-D boy and gives the driver some Glucon-D. For some reason, this not only refreshes the driver, it also eases traffic flow! Was that a metaphor to say that this drink also has a lot of fiber in it? I used to love Glucon-D. The orange taste was great. Almost as good as Orange Rasna.
TATA NAMAK: “Namak ho Tata ka, Tata namak!” went the jingle.
GAGAN GHEE: “Khao Gagan, raho magan!” went the ad phrase.
WOODWARDS GRIPE WATER: Kid crying. Mom taking care of kid. Grandma walks in. “Kya hua?” “Bachchi ro rahi thi” “Woodwards Gripe Water dede. Tu jab choti thi, tab tujhe yehi diya tha maine”. Gramma’s Mama walks in. “Kya hua?”… and like those Russian stories where the elephant, the chicken, the donkey, the walrus, the hare, the bear, the cossack, the chipmunk and the squirrel slowly add onto the rest of the story just to make it longer, this ad goes from mother to great-great-grandmother. All this to show that WGW has been around since 1919 or something. I remember seeing the Kannada version of this ad too. (“Yenaythu” “magu altha ide” “Woodwards kodu”)
COLGATE TOOTH POWDER: Village setting. Macho fellow is out in the yard, with his weights, in front of a couple of buffaloes.
Macho: Arrey Bhabhi, zara mera doodh-badaam aur koyla dena to!
Bhabhi: Arrey wah, devarji, badan ke liye doodh-badaam, aur daaton ke liye koyla?!
[Scene change, shows graphic of gums and teeth up close]
Voice-over: Khurdare padaarth daaton ki parakh kharaab kar sakte hain…. Isthemal kijiye Colgate Tooth Powder!
PRESTIGE COOKER: The ad featured a wife slaving away in the kitchen while her mother-in-law relaxed in the living room and the hubby was at work (I thought). The wife is really overworked and understandably loses patience and starts throwing kitchenware into the living room, and the other people in the house watch each utensil go over their heads (imagine the spectators watching a game of tennis).
Voice over: Phenk do yeh kadhaai, bekchi, yeh frying pan…Inse nata todo.
(The last sentence is accompanied by a huge vessel landing in the postman’s hands)
(Heaven slowly lowers a Prestige Pressure Cooker into the wife’s hands)
Prestige Pressure Cooker. Fry kare, deep fry kare, chun chun sikaai kare.
Jhat ubaale, pat pressure de [Cue to loud whistle]
Prestige Pressure Cooker. Jo biwi se karein pyaar, woh Prestige se kaise karein inkaar!
A second, very similar (albeit shortened) version of this ad plugged Prestige Pressure Pans instead of Cookers. Replace the word Cooker in the above with Pan, and that’s what it was.
GODREJ SHAVING CREAM: An early-mid 80s ad for Godrej Shaving Cream featured Vivek Vaswani as some sort of nervous reporter who is interviewing random men. The scene begins with VV approaching some clean-shaven CONFIDENT guy in a neat suit.
VV: Uh.. Ss-Sir, which shaving cream do you use?
Guy1, confidently smiling: Godrej!
VV: Why?
Guy1: Great shave, cologne fragrance! Wife loves it!
The guy is talking fast because he is in an elevator and has already reached his floor and is getting off. VV has to now pursue other guys, and he sees another guy enter the elevator..
VV: Sir, which shaving cream do you -
Guy2 turns around and displays his beard, smiles and says, in a deep voice: ME?
DABUR CHYAWANPRASH: Featuring the Marathi character actor Shriram Lagoo.
Kid: Dadaji! Badminton!
SL: uh-huh, pehle Dabur Chyawanprash
(voice over): Anwla aur chalees se bhi adhik gunon se bharpoor, Dabur Chyawanprash!
PAN PARAG: Featuring the suppressed histrionic mights of a fat Shammi Kapoor and Ashok Kumar and their wives (one of them was Asha Lata, maybe? They were the typical maa-wife roleplayer women of the early and mid-80s.
Ver.1.
Scene: Shehnai playing in the background, it is the house where the wedding is supposed to take place, which is the bride’s house, and it happens to be Ashok Kumar’s house.
AK’s W: Suniye, ladki ke maa-baap aaye hain
AK: Arrey, aaiye, aaiye (ha ha ha ha ha, mandatory laughter from all four members)
SK: Baarat… thik 8 baje pahunch jaayegi. Par hum aapse ek baat to kehne bhool hi gaye!
(Shehnai stops, and sudden jarring music is played on keyboard while AK and his wife share a worried look… thinking… DOWRY!)
SK: Ghabraiye nahin, hume kuch nahin chahiye! Hum to sirf itna chahte hain ki aap baraatiyon ka swagat… Pan Parag se kijiye!
AK (relieved): Oh-ho, Pan Parag! Humein kya maloom tha aap bhi Pan Parag ke shaukeen hain… (he pulls out a tin can from under his shawl) Yeh lijiye Pan Parag
(closeup of SK’s face which brightens up): PAN PARAG!
(singer, probably Priti Sagar): Pan Parag, pan masala Pan Parag
Khatir-daari mein zaroori, iske bina mehfil adhoori
Pan parag, pan masala, Pan Parag!
Ver.2.
Featuring Jalal Agha.
Scene: JA enters a party, and guests notice him and start talking to him.
Guest 1 (played by middle aged lady): Arrey lo, aagaye? Aaj kal to bade chaaye hue ho TV par, Pan Parag aur kya kya!
JA (smiles humbly): Shukriya.
Guest 2 (played by Vipin Handa, who went on to have a short-lived talk show called Aamne-Saamne): TV mein to hamesha tayaar rehte ho, aaj kahan hai tumhara dibba?
JA (smartly pulls out a pillow pouch!): To YEH kya hai?!
Guest 3: Ek se… mera kya hoga!!! (laughs)
JA: To aap DO lijiye!
Guest 4′s voice: Aur mere liye?
(JA turns towards the voice, sees its a really tall dude, and pulls out the whole strip and smiles at camera, while Priti Sagar sings the jingle).
VICCO TURMERIC AYURVEDIC CREAM: Featuring a very young Sangeeta Bijlani. This version is historic because it was always featured before one of the very first sitcoms that I ever saw on Doordarshan, Yeh Jo Hai Zindagi. starring Shafi Inamdar, Swaroop Sampat, Rakesh Bedi and Satish Shah in different roles – who doesn’t remember that one episode where he keeps saying, “What a relieeeeef!”
Scene: A wedding, the bride’s house, the females who are dressing up and decorating the bride (Sangeeta Bijlani) are supposed to be singing, while the parents are looking at each other sad yet happy… the chorus sings:
Bade naazon se paali hamaari banno, tujhe dulhan banaaye ree pyaari banno (shehnai) (lead female voice) tujhko haldi ka ubhtan lagaayein sakhiyaan (at this point there is cackling laughter from all the girls, as they apply turmeric paste to her legs and her cheeks) teri kaaya ko kanchan banaayein sakhiyaan (chorus) roop kundan sa chamke hamaari banno, tujhe dulhan banaaye ree pyaari banno… (at this point, she is going around the holy fire seven times with her hubby, and the wedding is done. The music changes, and they show the couple on their honeymoon, in what is probably Observation Post, but is supposed to be Kashmir, then her hubby jumps into a swimming pool, comes out, and drips all the water in his hair onto Sangeeta. (voiceover says something about Vicco Vajradanti Ayurvedic Cream, which you probably don’t notice because they are showing a young Sangeeta on the screen, smiling)
(chorus) Vicco Turmeric Ayurvedic Cream!
(female) Tvacha ki raksha karey, antiseptic cream
Roop ko sanvarey, nikharey har dam!
Haldi aur chandan ka anokha sangam!
(chorus) Vicco Turmeric Ayurvedic Cream,
Vicco Turmeric Ayurvedic Cream!
(at this point all the music stops, and in my mind I always hear the theme song of Yeh Jo Hai Zindagi start up!)
DABUR KA LAL DANTMANJAN: Scene: A classroom in some Hindi medium school in a village. There’s a diagram of the front view of human teeth. Teacher has really really bad teeth.
Teacher: Bacchon, yeh hai hamaare daaton ki banavat! (looks around) Raju! Tumhare daat to motiyon jaise chamak rahey hain!
Raju: (played by Master Bittu, I think): Kyon na ho, masterji, main Dabur ka Lal Dantmanjan jo istimaal karta hoon!
(a few more dialogues by the teacher, extolling Raju’s good habits, which unfortunately I don’t remember because the short version of this ad received more airtime)
Another student: Lekin masterji, AAPKE DAANT?!
MAGGI 2-MINUTE NOODLES: Two kids, a brother and a sister, get down from their school bus and open the house gates and enter the kitchen immediately. And they scream in unison, “Mummy bhookh lagi hai!” The mom smiles and says, “Do minute!” The jingle: unfortunately only the first and last line remain fresh in memory, the rest of it disappeared because they played the short version of this ad for a lot longer than the original version.
“School se aate dhoom machaate
(second line)
(third line)
Ek hi baat pe (something) manaate, Maggi Maggi Maggi!”
Mom: Pal bhar mein tayyar….
kids in chorus: Khaane mein mazedaar!
DETTOL SOAP: Not a jingle, really. Just a short ad showing this woman in the marketplace, at work, in the bus on the way back home, and dust settling on her all through. She comes back home and voila! There’s a bar of Dettol Soap in the bathroom. Harish Bhimani provides the voice-over for this ad: “Dettol Saabun. Mail mein chupe keetaanuon ko dho daalta hai.” Simple and short.
SYLVANIA LAXMAN: The early ad didn’t have the singing bit. It was just Asrani who was a servant. And the lamps in the house all go phut at the same time, so his mistress sends him over to the store to buy Sylvania Laxman bulbs. He tries to remember, but by the time he reaches the store (owned by Viju Khote), he has forgotten what it was called…
Asrani: Ey bhai, Raam Laxman bulb dena!
Viju Khote: AISA KOI BULB NAHIN AATA!
Asrani: Aji kaise dukaandaar hain aap! Duniya bhar mein mashoor (and even at this point, VK starts to understand what A wants and starts to pick it out), uttam quality ka bana….
VK: To Sylvania Laxman bulb chahiye tumhein
Asrani: Haan haan wohi, lekin ek nahin chhar.
VK: Chhar?
Asrani: POORE GHAR KE BADAL DALOONGA!
[Aside: The reason I capitalized those lines was to show how they came into regular use later on. For example, my cousin went to BMS College and he was telling me that at one of the Cultural fests, at a Sales Appeal contest, one of the teams had to bring out an ad for underwear, and this guy goes...
Arrey haan wohi, lekin ek nahin, do hazaar!
Do hazaar?!?
(looks at the audience) Poore College ko badal daaloonga!!
ECE BULBS: This ad starred the artist better known as Ghanshu Bhikari (from Nukkad). On the way out of the house, Ravi Baswani’s wife says:
(singing) Bhool na jaana! ECE bulb laana! and then there’s a whole lot of people talking in different languages asking him not to forget…
Parsi: Dikra, bhool to nai, ECE bulb lavjo!
Bangaali aurat: Bhoolbe naa nee sho bulb ECE bulb
and the Bangaali aurat is the last one to tell him about the bulb, when he reaches the bulb shop owned by Ghanshu and says: Bulbbulbbulbbulbbulb….
Ghanshu sings: Jyaada de ujaala (and the bulb/tube lights up in his hand) din-o-din chalne waala ECE bulb aur ECE tube!
CASPER MOSQUITO REPELLANT: Scene shows a family of mom-dad-bro and sis.
Male voice: Maccharon ko jisse lagta hai dar
kids chorus: Woh hai Casper!
Male voice: Woh chemical jismein dugna asar!
kids chorus: Woh hai Casper!
Male voice: Shaam se lekar subah tak jale!
kids chorus: Woh hai Casper!
Male voice: Jismein ek nahin, DO conductor!
kids chorus: Woh hai Casper!
(voice over): Bhaarat mein pehli baar! Electronic mosquito repellent, Casper! (Only, he sounded like he said Kesper)
GOOD NIGHT MOSQUITO REPELLANT: I only remember the last line in this jingle: Sweet dreams, and Good Knight folks!
NECC (National Egg Coordination Committee): A very famous ad, because the jingle was catchy. Calendar (Again, I am using the famous character played by Satish kaushik in Mr. India): Meri jaan, meri jaan, murgi ke ande!
Dilip Dhawan: Khaana meri jaan, meri jaan, murgi ke ande!
Female: Omlet khilaoon, fried khilaoon, boiled khilaoon!
Priti Sagar’s voice: Khilaoon murgi ke, murgi ke, ande hi ande!
(voice over, probably Harish Bhimani): Sunday ho ya Monday, roj khaayein ande
Calendar (with an egg held between thumb and first two fingers): Fantash-tick!
NATIONAL INTEGRATION ADS: There were about three of these ads… they were long and I used to remember each and every line.
The first ad was the one with popular sportspersons (Kapil, Gavaskar, Milka Singh, PT Usha, Prasanna, Padukone, to name a few) carrying the torch through different regions of India. The background music was inspiring and ended with the national anthem tune.
Second was the famous “Mile Sur Mera Tumhara”:
(Bhimsen Joshi): Mile sur mera tumhara tooooo soooor bane hamaara… sur ki dariya har disha se behke saagar mein mile… baadalon ka roop-a lekar… barse halke halke…. oooooh mile sur mera tumhara tooo soor bane hamara….
(Rajasthan, featuring then-famous bowler Narendra Hirwani sitting on aqueduct) (your) tarang (and) (my) tarang… ek vat baniye (our) tarang!
Tena sur mele mera sur dena milke bane ek nava sur da
(Shabana Azmi right outside the Taj Mahal): Mile sur mera tumhara to sur bane hamaara
(cast of Tamas, supposed to be the Punjab element)
Female chorus: Sur ka dariya behke saagar mein miley
Male chorus: Baadlaan-da roop lehke
Deepa Sahi: Barsanei hole hole….
(we move deep south, and musician Balamurlikrishna is on the beach with Cricketer turned umpire Venkataraghavan and some others… including Kamal Hassan who doesn’t sing but just gives a Digjam pose) Isayindaal… nam iruvarin… suramum namadaahum (Veena music, while Kamal shows off his Digjam pose.)
isaimel raagaahum aadise aarugal mugilai mazhaiaai pozhivadum pol isai! nam isaaaaaaaaiiii!
(woman singing dhik tak dhik ta jhoom… etc etc)
Shift to Karnataka. (man dressed in Coorg attire) Nanna dhwanige ninna dhwaniya (woman) seridante namma dhwaniya (you can also see prakash padukone here)
Shift to Andhra. (man and woman together) naa swaramoo nee swaramoo sangamamai mana swaranga avatarinche
Shift to Kerala. (mallu dude on elephant) ende swaramum ningalude swaramum ottucheru namm-ode swaramai!
(cut from one Communist state to another: Bong boatman slowly rowing boat on the Hooghly)…. Tomar shoor modir shoor… sristi hoouu… hoiko shoor… (repeat thrice)
fourth time: sristi hoouu hoi ko taal (change music to manipuri/nagaland type with people walking past with their arms interlocked around their hips)
(male) Tomar moro shoorono milano (female joins in) shrishti hoo chalo chapano
(music while Goa is shown and they show Mario Miranda’s cartoon styled paintings…)
(Mallika Sarabhai in Gujju) Maley soor jo taro maro, bane aapdo soor niralo..
(Tanuja representing Maharashtra): Majhya tumchya jultya taara madhur suranchya barasti dhaara
(Shrillest voice of ALL, Lata, first singing for Waheeda Rehman) Sur ki nadiya har disha se behke saagar mein mile
(now for Hema Malini) Baadalon ka rooooop leke barse halke halke
(Sharmila Tagore) hooo mile sur mera tumhara
(now they make no pretense and show Lata) Mile sur mera tumhara… toooooo soor bane…. hamaara….
(music increases in volume and speed again and they show the TRIO – Ganga Jamuna and Saraswati, Amitabh, Jeetendra and Mithun, with their arms around each other) Mile sur mera tumhara, to sur bane hamara
(everyone singing together) to sur bane hamara! to sur bane hamara!
(song turns into end of national anthem, Jaya he, jaya he… just the music, while each beat forms the Indian flag and the silhouette of Gandhi)
end title: Har Dil Mein Jagaayein Rashtrajyoti…
The next one was on the same lines, and was different people singing “Baje sargam, har taraf se goonje bankar Deshraag”. Among others, popular musicians like Hariprasad Chaurasia, Shiv Kumar Sharma, Allah Rakha, Balamuralikrishna, Zakir Hussain were seen in this song.
GOLD SPOT: (Guy): She’s crazy about (something)
(Girl):As crazy as he’s about (something else) and hits the tennis ball into the guy’s mouth, who manages to remove it just before they sing: (together): As crazy as crazy as we’re about… Gold Spot! The Zing Thing! Gold Spot (two bolts of thunder courtesy synthesizer) Gold Spot!
AMUL CHOCOLATE (voice over at the end by Harish Bhimani)
(Girl): I am too old for dolls, too young for the Disco
(Guy, I think this was a very young Aftab Shivdasani): But I think you’re just right for Amul Chocolate!
(Voice over): Amul chocolate! A gift for someone you love!
B-TEX CREAM & LOTION:
Ver.1.
Male: Daad, khaaj khujli ka dushman?!
Chorus: B-Tex Malam, B-Tex Lotion
Male: Eczema ka jaani dushman!
Chorus: B-Tex Malam B-Tex Lotion, B-Tex!
Ver.2.
Another, more recent B-Tex ad Ravi Baswani is scratching his shoulder and back, when Archana Joglekar steps up and sings a parody of Tirchi Topiwale:
RB (irritated with the itch): Oye Oye!
AJ: Khujli karne waale! B-Tex lagaa le!
B-Tex lagaake tu apni (aa aa aa)
Daad, khaaj khujli mitale
RB (happily displaying a tube of B-Tex): Oye Oye!
KINETIC HONDA: (scooter, featured a very young Javed Jaffrey out of a job and suddenly getting a scooter) .
song: Honda! Kinetic Honda! It gets to you, you’ll never be the same again! Honda! Kinetic Honda!
voice over: Kinetic Honda! What a scooter OUGHT to be!
CINKARA: This is vintage Javed Jaffery. JJ is overloaded with work. And just as he is about to think the pile on his desk can’t get any bigger, the secretary hands him some more papers…
voice over: Yeh bechaara, kaam ke bojh ka maara!! (he faints)
voice over: Inhein chaahiye Hamdard Ka Cinkara
(JJ drinks it, and in the next scene, breaks through glass and hands in his reports with a flourish)
voice over: Hamdard ka tonic, Cinkara!
MAGGI HOT AND SWEET TOMATO CHILLY SAUCE: It’s Different: Had a bunch of ads starring ‘Karamchand’ Pankaj Kapoor and Javed Jaffrey. One of them featured them as spectators on a tennis court… and at the end,
JJ screams, “Koi mujhe bataayega, ki Maggi Hot and Sweet Tomato Chilli Sauce mein aisi kya baat hai!” and Pankaj Kapoor nonchalantly motions to the crowd without taking his eyes away from his sandwich, and the crowd yells, “IT’S DIFFERENT!”, and the tennis ball lands in his lap.
The other, more famous ad, also brought back the imitations of Ajit, the awesomest gangster of 70s films. JJ is dressed as Ajit, and is talking to his henchmen while Pankaj Kapoor is busy opening up a bottle of Maggi Hot and Sweet, and Lily the mistress is at JJ’s side…
JJ: Thodi hi der mein hamaara helikaapter Hindustaan se door Birmingham pahunch jaayega. Michael, tum cycle par jaao… (at this point, Pankaj Kapoor takes out a Maggi bottle and thumps it on the table, and everyone fears gunshots and hides)
JJ: Saara shehar mujhe LOIN ke naam se jaanta hai, aur tum yeh kambakhat tamatar ka saaas!…
PK (interrupting): BOSS! Yeh tamatar ka saas nahin, Maggi Hot and Sweet Tomato CHILLI sauce hai, It’s Different!
JJ: Saaf saaf kaho tum kehna kya chahte ho!
PK (imitating JJ): This saas, is different, Baas!
(Lily giggles)
JJ: Lily, don’t be silly!
COLDARIN: Man at work screws something up (maybe breaks some glass or drops a sheaf of papers) because he has cold and related headache, and senior goes:
Senior: Yeh kya haal bana rakhkha hai? Kuch lete kyon nahin?
Man: Bahut si dawaiyan lee, sir, but kuch farq hi nahin pada.
Senior: Coldarin lee?
Man: uh-huh
Senior: Tumhein maloom nahin? Coldarin sardi ki khaas dawa hai.
Voice over: Sardi se aaram, chusti se chale kaam! Coldarin!
VICKS ACTION 500: Featuring Dheeraj Kumar as a fighter pilot with headache and cold. And of course, as soon as he pops a Vicks Action 500, he gives his smile and is back in the cockpit!
STREPSILS: Featuring Vijayendra Ghatge. He is enacting a scene in a movie where he plays the lead role!!!!! And the last dialogue is something like… “Good BYE, MADAM!” and then he starts to cough… so someone pops him a Strepsils… and then he starts charming whatever female is around him.
Another Strepsils ad featured a cartoon where a lion walks onto stage and decides to roar into the microphone, but only manages to meow. There is general laughter from the audience. Then, of course, it pops a Strepsils and ROAARRRRSSSSS.
BROOKE BOND RED LABEL CHAI: The typical young mom (also featured in the Maggi noodles ad) is at the market, and she asks the shopkeeper (who in reality provided the voice for many ads and voice-overs):
Woman: Aji Brooke Bond Red Label Chai to deejiye
Shopkeeper: Aji chai to chai hi hai, paani ubalo, patti daalo, doodh shakkar milao, aur pee jaao. Ismein kya khaas hai??!
Woman: Peeyo, to jaano!
(song, probably Preeti Sagar again):
Baagon ki taazgi laaye, packet bhar shuddhta aaye
Brooke Bond Red Label Chai! Har baar tasalli dilaaye!
Brooke Bond Red Label Chai! sachmuch hai bejod chai
(music stops, and woman continues): Aur daam bhi kifaayti!
NIRMA WASHING POWDER/SOAP BAR: Featured some good looking young girls including Sangeeta Bijlani… female lead and chorus singing the song, while the four gals wash their clothes and carry on with their daily housewife life, which includes travelling in autos and buying lightweight vegetables and dealing with goody-goody kids, maybe. There are clips of other members of the family (decided younger members) pirouetting in bright clothes supposedly washed by Nirma)….
Washing powder Nirma! Washing powder Nirma!
Dhoodh si safedi, Nirma se aayi,
Rangeen Kapda bhi dhul dhul jaye,
Paani mein rehke bhi yeh kam gale (at which point, my neighbour aunty would always say, “Bari sullu helthare”)
Dheron kapde dhoye aur jyaada chale
Washing powder Nirma! Washing powder Nirma!
Thoda sa powder, aur jhaag dher saara! (music)
Rangeele kapdon ko pal mein ujaala!
Rekha… Geeta…. Jaya aur Sushma (they show the four different girls, including Sangeeta Bijlani getting into an auto.
Sabki pasand Nirma!
Washing powder Nirma! Washing powder Nirma!
(with harmony): NIRMA!
(at this point in the ad, a girl wearing a polka-dot skirt is spinning around, and she turns into the Nirma girl on the packet)
Future modification of the jingle had the line “Nirma detergent tikiya iske jhaag ne jadoo kar diya”…
RASNA: This ad became a huge hit when it was played right before and during the fifteen-minute cartoon, shown on Sunday evenings, Spider-Man. It just consisted of a lot of kids drinking Rasna, and it included the fat uncle who drinks a huge jug of Rasna. Jingle:
Ras ki rachna Rasna (chorus: RASNA!)
Tarah tarah ke swaad ki rachna rasna (chorus: RASNA!)
(music)
verse: Ek packet se ban jaaye batteess gilaas (music)
Rasna ka har zaayeka sabke man ki bujhaaye pyaas!
Ras ki rachna Rasna (chorus: RASNA!)
At some point during this ad’s release, I think the long version had even the names of all the 10 flavours (the 11th flavour introduced, Mango Ripe, was one of my favourites, was added later on and got its own jingle which I quote below. The 12th flavour was Kala Khatta, I think, and then there was Masala Soda (Jaljeera) which was always misspelt as Masala Sooda.) in the verses of the song. Once Rasna became part of the Sunday morning line-up of ads, they added a cute female to the ad, and I believe that girl’s parents wanted more money or something, eventually she grew up a little bit, and they made her endorse another cold drink – Sudha. The ad for this drink went thus: It shows the girl, you can see she is grown up, and she says: Pehchana? Badi ho gayi hoon, na? Aur (my taste has become refined, too)… Sudha… etc etc…. In the meantime, Rasna found another cute kid who was younger for their ads. They got their buck-toothed girl, and everyone was happy.
Anyway, my point was, Rasna added the cute kid to the ad and added the punch-line: I Love You, Rasna!
Mango Ripe jingle: Mango ripe! Mango ripe! Naya hai Rasna Mango Ripe… Koi samay ho koi bhi din Rasna Mango Ripe ka din (mmm yummy) (different ways of drinking Mango Ripe: either with water, or as milk shake – at one point they had the shake bottle free with some offer) Mango ripe! Mango ripe, mazey ka Rasna Mango Ripe! ( I LOVE YOU RASNA!)
At some point in time, Harish Bhimani started doing voice-overs for Rasna ads and started to mention that it was a product of Pioma Industries. And ever since, programs were not sponsored by Rasna, but by Pioma Industries.
STREET CAT: This ad featured one of the first “rap” songs ever on Indian television. Here’s the jingle, as far as I can remember it. People with fake tattoos of cartoon characters, maybe. A couple of kids with sunglasses. Two guys with jeans, maybe? I sort of remember some polka-dot ensemble but I could just be “trippin’, yo!”
(chorus:) Boom boom shaka laka boom boom shak! Street Cat’s gonna knock you back!
Say man, check the mean machine. It’s got what it takes, it’s just the scene,
It’s called the Street Cat! Moves like a rocket. (something) Whole world in your pocket.
Straight handlebars and wide wide wheels,
Now go show the world you got a clean pair of heels!
(chorus:) Boom boom shaka laka boom boom shak! Street Cat’s gonna knock you back!
Street Cat!
Straight handle bars, alright. This bicycle was the first of its kind in India, with the straight handle bars. Every kid who wanted to show off went nuts.
CEEMA BULBS & TUBES: Featuring actress Sridevi. “Sima bulbs and tubes…la..la..la..”
PSPO BULBS: yeh PSPO nahi jaanta….
NIRMA SUPER: Featuring Deepika…(popular during Ramayan days)
Shopkeeper says: maan gaye Deepika ji aapki paarkhi nazar aur Nirma Super dono ko…
LIJJAT PAPPAD: Featuring 2 huge rabbits munching pappads…
Lijjat papad…karram kurram…kurram karram…mazedaar lijjatdaar…swaad swaad mein lijjat papad…hehehehe….Sri mahila grih udyog ka Lijjat papad.
I hope you had a nice time walking down the memory lane and into the ad world of the ’80s! Readers are welcome to write in the comments section about the ads that I may have missed. and is filed under Advertising, Bangalore, Humour, Nostalgia, Personal.
SURF : Who can forget Kavitha Choudhury, our dear Lalitaji who went on to become much more famous after she acted in ‘Udaan’.
DHARA : I remember a 5 year old kid angry at his parents and ‘leaving’ home. His grandfather comes in search of him. Obviously, the kid hasn’t gone too far from home. Grandpa tells the kid about the jilebis being prepared at home. The kid returns with glee. And, then you have the song “dhAra dhAra shudhdha dhAra”. And, I also remember the kid’s dad saying something to the effect of “You can leave the house, but after 20 or 25 years !!!”.
NIRMA BATH : Very melodious music and I became an instant fan of Sonali Bendre.
VICKS LOZENGES : Jayanth Kriplani and Baby Guddi. It ahd the jingle “vicks ki gOli lO, kich kich dUr karo”. Apaprently it created an absolutely unnecessary controversy because Jayanth Kriplani winks at the kid at the end of the ad. I would think that such controversies happen only in the west.
LUX : I remember many different bactresses coming…the Kannada version went something like “sinimA tAreyara soundarya sAbUnu”.
FAIR & LOVELY : Again, many past Miss India winners were featured. But, the classic and always remembered is the one with Juhi Chawla.
LAKME : I remember the Kannada jingle “ Lakme vanishing cream…muttinaMtha kAMti mogada hUvu tannIrE…eMthA rUpa ellaru nODi kannaDiyE nAchide”.
GOT MILK ?” Ad for milk featuring Yatin Karekar and gand with a jingle which goes soemthign like “dhoodh dhoodh dhoodh dhoodh, dhoodh hai wonderful…pee sakte hair Oz glassful…dhoodh dhoodh dhoodh”
EGG : From some Nation Egg Foundation (or some such org). The jingle was “mEri jAn mEri jAn murgi ke made, mEri jAn mEri jAn murgI ke made. Sunday hO yA Monday, rOz khAo aMDe”.
LAKHANI CHAPPAL : Sangeeta Bijlani and Salman Khan with the hit song and we see just the legs at the end. We are made to believe that they are kissing..
EVERYDAY : Can’t remebr the exact words, But let me mix up Hindi and Kannada versions for this milk powder….”Everyday…coffee ho yA chai, asli swAd yeh ???…everyday everyday tea coooffeyA hechchina swAda paDeyiri”.
MALTOVA : The ever wonderful Maltova mom acting to the jingle “Watch him run, watch him paly, he’s the winner all the way….you become a Maltova mom”.
COMPLAN : The son has grown taller than his mom and thus he can get to the Complan bottle which is stored at the top shelf.
OIL OF OLAY : There’s this young guy who is hitting on a ‘girl’. The ‘girl’ recognizes him as his student in school. They guy ‘blushes’. We are supposed to believe that the woman looked like a girl after using Oil of Olay. Very interesting Ad.
ERICSSON : The brilliant ad where an older gentleman is sitting at a restaurant. A girl in the next table is talking on her cell, but the cell is so small that the older guy doesn’t realize it. He thinks that she is inviting him to her table. Just when he gets up, she hangs up the cell phone. And, the sound of a broken glass in the background is brilliant.
ONIDA : “Neighbor’s envy, owner’s pride”. Can anyone ever forget it ?
RASNA : RK, I think you are referring to Ankita Jhaveri when you talked about the little kid in Rasna. She was absolutely brilliant and made Rasna a household name.
AMUL : RK, there were several different versions of Amul. Everyone from a kid to a grandmother were too young and too old for certain things. But then, they were all perfect for Amul chocolate.
And finally……
MOODS : A shy guy comes to a department store and stands there stuttering. Then, another man comes by, hits hard on the counter, looks at the shopkeeper and says “Moods Please !”. Then there is that one liner – “Act with confidence”. I sure wanted to act with confidence, but I had no freaking clue what the ad was all about. Ahh, some guys are just slow learners, or maybe they just don’t wanna learn Now that I have crossed the line, I guess it is harmless to say that the Raj Kappor – Nargis picturization of “pyAr hua” from Shri420 has been aptly used in a certain other ad.
I rest….
volfaaarm
laal raseelee tamaataron se ho saare taiyyaar
volfaarm
naa hee koee milaavat ismen
naa banaavatee rang
ek baar jo chakh le unglee chakhe baar baar
volfaarm
(no idea what happened to volfarm!)
hasmukh raam/rai/laal (forget which) kee hasmukh chaai
pachaas varson ke baad muskuraataa
sabko lubhaae
hasmukh chaai!
(no idea what happened to this happy flavoured tea either)
i was in bombay during this time frame, so may be these were the local dd2 channel or local vividh bharati radio only.
Dabur Hajmola Masterji film shot in a school hostel with the characteristic last two words from the young school boy caught having Hajmola by Masterji – ‘ Hajmola Sir ‘ The Sridevi film on Dabur Amla Hair Oil – ‘ Khile Khile Matwale Baal ‘ was another memorable Ad film of those times based on a popular Bollywood film tune. The Ad which created a history of sorts in that era with emphasis on fuel efficiency was the popular line of Hero Honda’s campaign – ‘ Fill it, Shut it, Forget it
Bajaj Ad ” Jab Main Chota Bachcha tha, Badi Shararat Karta tha, meri chori pakdi jaati….. jab roshni deta Bajaj”
Also, Sunil Gavaskar with a baseball bat
” Take the world in your stride, Dinesh! ”
AMUL – Lord krishna stealing amul – “Maiyya, mein nahi maakan kayo” (ad shown before Quiz time)
NESCAFE – English version in a foreign location and other featuring Ravi Shastri
PARLE G
SUNRISE
MELODY CHOCLATE – “Coffeee! Toffeee!! the argument continues”
BOURNIVTA -”Tan ki shakti, man ki shakti .. Bournvitaa”
VIVA
ECLAIRS
PARRYS, THE KING OF SWEETS
CAMPCO CHOCOLATES – Based on Do, Re, Me
C – for tasty campco chocolates
A – for Vitamin number 1
M – for milk to get you strength
P – for protein full of fun
C – for creamiest taste
O – la la lall lall la
SANTOOR
CINTHOL featuring Moon Moon Sen
CUTICURA
GOKUL Santol
AMRUTANJAN – “gayab”
IODEX
ZANDU BALM
SURF
VIMAL WASHING POWDER
RIN SOAP
Ujjala
RANIPAL
Solidaire –
“We want, we want true colours, we want we want clear sound, we know what we want, we want Solidaire… SO LI DA IRE…”.
SINGER – Sewing machine
Hamara Bajaj
SUZUKI SAMARAI
YAMAHA
LUNA
HMT WATCH
HMT TRACTORS
TITAN AD
FEVICOL
CHERRY BLOSSOM
Asian Paints
M-SEAL
hiii…..some one here has forgotten a add
1) a small little gal with comb frustrated with lice gotta?!?!!?!?
2) Amul taste of india a gift for some one u love
3) MRF and Dunlop tyres
4) Kethan fans
5) Ads from ASHA machines
6) Safolla oil a kid nearby huge eating items…
7) Lyril soap ad a lady near water stream
Ads regarding public awarness (drugs,smoking,drinking)
9) glimpse like a person holding hammer about to explode a coco encapsulated with helmet…
stuffs like dat….thanks
Memory is a very tricky thing. We may remember some things and not other, less pleasant experiences. On the one hand, I know that what I remember is not exactly how life was in the past. On the other hand, I cannot doubt the truth of this memory. When we remember nostalgically the past memories, we wish we could relive or return to those good days once again. Compared to our present time, the time in the past seems to us so much freer, more energetic, more affectionate and more perfect. We yearn for those moments but we know they are irrevocable. Nostalgia can only confirm that the separation with something that we value and long for cannot be bridged in our present. It is an unfulfilling longing. We sense the lack. We sense the impossibility of retrieving the lost time. We feel regret.
Nostalgia is more commonly referred to not as a medical condition or a field of study, but as a feeling that any normal person can have. Nostalgia can often be associated with a fond childhood memory, a certain game or a treasured personal object. In the above given link, I have spoken more about my childhood memories. Amongst other things, I have mentioned a few of the ads I saw in the ’80s on television. Recently, I also wrote a couple of posts about the LIRIL girl and the 1950s Johnson’s Baby ad. A few comments in the previous post asked me to write more about the old ads that we had seen in our childhood. Hence continuing on ads, I remembered (thanks to Sundar) a few more ads from the ’80s and penned some details, jingles, punchlines and stories related to them. All the readers who have seen these ads might have instant recall, I feel.
FROOTI: To this day, you can hear it on board any train: “Ey, thanda Frooti, cold draaaaaannnnk”. Mango Frooti had an original ad with a jingle that ended, “Mango Frooti, fresh and juicy” Later in the early 90s, this ad was set to the tune of the then-famous “Ice Ice Baby”.
GLUCON- D: “Glucon-D, yeh jaan mein jaan daal de – peete hi!” variations include: “iske saath ek foot-patti, muft muft muft!” and “Mmm! Santre jaisa mazedaar!”, says the kid who turns into a superhero. One of the ads featureed this superhero stuck in a traffic jam inside a bus. The driver is really tired and they are moving real slow and in jerks. Suddenly, our hero clicks his fingers – Ah, I have an idea! He exits the bus running, and changes into Super Glucon-D boy and gives the driver some Glucon-D. For some reason, this not only refreshes the driver, it also eases traffic flow! Was that a metaphor to say that this drink also has a lot of fiber in it? I used to love Glucon-D. The orange taste was great. Almost as good as Orange Rasna.
TATA NAMAK: “Namak ho Tata ka, Tata namak!” went the jingle.
GAGAN GHEE: “Khao Gagan, raho magan!” went the ad phrase.
WOODWARDS GRIPE WATER: Kid crying. Mom taking care of kid. Grandma walks in. “Kya hua?” “Bachchi ro rahi thi” “Woodwards Gripe Water dede. Tu jab choti thi, tab tujhe yehi diya tha maine”. Gramma’s Mama walks in. “Kya hua?”… and like those Russian stories where the elephant, the chicken, the donkey, the walrus, the hare, the bear, the cossack, the chipmunk and the squirrel slowly add onto the rest of the story just to make it longer, this ad goes from mother to great-great-grandmother. All this to show that WGW has been around since 1919 or something. I remember seeing the Kannada version of this ad too. (“Yenaythu” “magu altha ide” “Woodwards kodu”)
COLGATE TOOTH POWDER: Village setting. Macho fellow is out in the yard, with his weights, in front of a couple of buffaloes.
Macho: Arrey Bhabhi, zara mera doodh-badaam aur koyla dena to!
Bhabhi: Arrey wah, devarji, badan ke liye doodh-badaam, aur daaton ke liye koyla?!
[Scene change, shows graphic of gums and teeth up close]
Voice-over: Khurdare padaarth daaton ki parakh kharaab kar sakte hain…. Isthemal kijiye Colgate Tooth Powder!
PRESTIGE COOKER: The ad featured a wife slaving away in the kitchen while her mother-in-law relaxed in the living room and the hubby was at work (I thought). The wife is really overworked and understandably loses patience and starts throwing kitchenware into the living room, and the other people in the house watch each utensil go over their heads (imagine the spectators watching a game of tennis).
Voice over: Phenk do yeh kadhaai, bekchi, yeh frying pan…Inse nata todo.
(The last sentence is accompanied by a huge vessel landing in the postman’s hands)
(Heaven slowly lowers a Prestige Pressure Cooker into the wife’s hands)
Prestige Pressure Cooker. Fry kare, deep fry kare, chun chun sikaai kare.
Jhat ubaale, pat pressure de [Cue to loud whistle]
Prestige Pressure Cooker. Jo biwi se karein pyaar, woh Prestige se kaise karein inkaar!
A second, very similar (albeit shortened) version of this ad plugged Prestige Pressure Pans instead of Cookers. Replace the word Cooker in the above with Pan, and that’s what it was.
GODREJ SHAVING CREAM: An early-mid 80s ad for Godrej Shaving Cream featured Vivek Vaswani as some sort of nervous reporter who is interviewing random men. The scene begins with VV approaching some clean-shaven CONFIDENT guy in a neat suit.
VV: Uh.. Ss-Sir, which shaving cream do you use?
Guy1, confidently smiling: Godrej!
VV: Why?
Guy1: Great shave, cologne fragrance! Wife loves it!
The guy is talking fast because he is in an elevator and has already reached his floor and is getting off. VV has to now pursue other guys, and he sees another guy enter the elevator..
VV: Sir, which shaving cream do you -
Guy2 turns around and displays his beard, smiles and says, in a deep voice: ME?
DABUR CHYAWANPRASH: Featuring the Marathi character actor Shriram Lagoo.
Kid: Dadaji! Badminton!
SL: uh-huh, pehle Dabur Chyawanprash
(voice over): Anwla aur chalees se bhi adhik gunon se bharpoor, Dabur Chyawanprash!
PAN PARAG: Featuring the suppressed histrionic mights of a fat Shammi Kapoor and Ashok Kumar and their wives (one of them was Asha Lata, maybe? They were the typical maa-wife roleplayer women of the early and mid-80s.
Ver.1.
Scene: Shehnai playing in the background, it is the house where the wedding is supposed to take place, which is the bride’s house, and it happens to be Ashok Kumar’s house.
AK’s W: Suniye, ladki ke maa-baap aaye hain
AK: Arrey, aaiye, aaiye (ha ha ha ha ha, mandatory laughter from all four members)
SK: Baarat… thik 8 baje pahunch jaayegi. Par hum aapse ek baat to kehne bhool hi gaye!
(Shehnai stops, and sudden jarring music is played on keyboard while AK and his wife share a worried look… thinking… DOWRY!)
SK: Ghabraiye nahin, hume kuch nahin chahiye! Hum to sirf itna chahte hain ki aap baraatiyon ka swagat… Pan Parag se kijiye!
AK (relieved): Oh-ho, Pan Parag! Humein kya maloom tha aap bhi Pan Parag ke shaukeen hain… (he pulls out a tin can from under his shawl) Yeh lijiye Pan Parag
(closeup of SK’s face which brightens up): PAN PARAG!
(singer, probably Priti Sagar): Pan Parag, pan masala Pan Parag
Khatir-daari mein zaroori, iske bina mehfil adhoori
Pan parag, pan masala, Pan Parag!
Ver.2.
Featuring Jalal Agha.
Scene: JA enters a party, and guests notice him and start talking to him.
Guest 1 (played by middle aged lady): Arrey lo, aagaye? Aaj kal to bade chaaye hue ho TV par, Pan Parag aur kya kya!
JA (smiles humbly): Shukriya.
Guest 2 (played by Vipin Handa, who went on to have a short-lived talk show called Aamne-Saamne): TV mein to hamesha tayaar rehte ho, aaj kahan hai tumhara dibba?
JA (smartly pulls out a pillow pouch!): To YEH kya hai?!
Guest 3: Ek se… mera kya hoga!!! (laughs)
JA: To aap DO lijiye!
Guest 4′s voice: Aur mere liye?
(JA turns towards the voice, sees its a really tall dude, and pulls out the whole strip and smiles at camera, while Priti Sagar sings the jingle).
VICCO TURMERIC AYURVEDIC CREAM: Featuring a very young Sangeeta Bijlani. This version is historic because it was always featured before one of the very first sitcoms that I ever saw on Doordarshan, Yeh Jo Hai Zindagi. starring Shafi Inamdar, Swaroop Sampat, Rakesh Bedi and Satish Shah in different roles – who doesn’t remember that one episode where he keeps saying, “What a relieeeeef!”
Scene: A wedding, the bride’s house, the females who are dressing up and decorating the bride (Sangeeta Bijlani) are supposed to be singing, while the parents are looking at each other sad yet happy… the chorus sings:
Bade naazon se paali hamaari banno, tujhe dulhan banaaye ree pyaari banno (shehnai) (lead female voice) tujhko haldi ka ubhtan lagaayein sakhiyaan (at this point there is cackling laughter from all the girls, as they apply turmeric paste to her legs and her cheeks) teri kaaya ko kanchan banaayein sakhiyaan (chorus) roop kundan sa chamke hamaari banno, tujhe dulhan banaaye ree pyaari banno… (at this point, she is going around the holy fire seven times with her hubby, and the wedding is done. The music changes, and they show the couple on their honeymoon, in what is probably Observation Post, but is supposed to be Kashmir, then her hubby jumps into a swimming pool, comes out, and drips all the water in his hair onto Sangeeta. (voiceover says something about Vicco Vajradanti Ayurvedic Cream, which you probably don’t notice because they are showing a young Sangeeta on the screen, smiling)
(chorus) Vicco Turmeric Ayurvedic Cream!
(female) Tvacha ki raksha karey, antiseptic cream
Roop ko sanvarey, nikharey har dam!
Haldi aur chandan ka anokha sangam!
(chorus) Vicco Turmeric Ayurvedic Cream,
Vicco Turmeric Ayurvedic Cream!
(at this point all the music stops, and in my mind I always hear the theme song of Yeh Jo Hai Zindagi start up!)
DABUR KA LAL DANTMANJAN: Scene: A classroom in some Hindi medium school in a village. There’s a diagram of the front view of human teeth. Teacher has really really bad teeth.
Teacher: Bacchon, yeh hai hamaare daaton ki banavat! (looks around) Raju! Tumhare daat to motiyon jaise chamak rahey hain!
Raju: (played by Master Bittu, I think): Kyon na ho, masterji, main Dabur ka Lal Dantmanjan jo istimaal karta hoon!
(a few more dialogues by the teacher, extolling Raju’s good habits, which unfortunately I don’t remember because the short version of this ad received more airtime)
Another student: Lekin masterji, AAPKE DAANT?!
MAGGI 2-MINUTE NOODLES: Two kids, a brother and a sister, get down from their school bus and open the house gates and enter the kitchen immediately. And they scream in unison, “Mummy bhookh lagi hai!” The mom smiles and says, “Do minute!” The jingle: unfortunately only the first and last line remain fresh in memory, the rest of it disappeared because they played the short version of this ad for a lot longer than the original version.
“School se aate dhoom machaate
(second line)
(third line)
Ek hi baat pe (something) manaate, Maggi Maggi Maggi!”
Mom: Pal bhar mein tayyar….
kids in chorus: Khaane mein mazedaar!
DETTOL SOAP: Not a jingle, really. Just a short ad showing this woman in the marketplace, at work, in the bus on the way back home, and dust settling on her all through. She comes back home and voila! There’s a bar of Dettol Soap in the bathroom. Harish Bhimani provides the voice-over for this ad: “Dettol Saabun. Mail mein chupe keetaanuon ko dho daalta hai.” Simple and short.
SYLVANIA LAXMAN: The early ad didn’t have the singing bit. It was just Asrani who was a servant. And the lamps in the house all go phut at the same time, so his mistress sends him over to the store to buy Sylvania Laxman bulbs. He tries to remember, but by the time he reaches the store (owned by Viju Khote), he has forgotten what it was called…
Asrani: Ey bhai, Raam Laxman bulb dena!
Viju Khote: AISA KOI BULB NAHIN AATA!
Asrani: Aji kaise dukaandaar hain aap! Duniya bhar mein mashoor (and even at this point, VK starts to understand what A wants and starts to pick it out), uttam quality ka bana….
VK: To Sylvania Laxman bulb chahiye tumhein
Asrani: Haan haan wohi, lekin ek nahin chhar.
VK: Chhar?
Asrani: POORE GHAR KE BADAL DALOONGA!
[Aside: The reason I capitalized those lines was to show how they came into regular use later on. For example, my cousin went to BMS College and he was telling me that at one of the Cultural fests, at a Sales Appeal contest, one of the teams had to bring out an ad for underwear, and this guy goes...
Arrey haan wohi, lekin ek nahin, do hazaar!
Do hazaar?!?
(looks at the audience) Poore College ko badal daaloonga!!
ECE BULBS: This ad starred the artist better known as Ghanshu Bhikari (from Nukkad). On the way out of the house, Ravi Baswani’s wife says:
(singing) Bhool na jaana! ECE bulb laana! and then there’s a whole lot of people talking in different languages asking him not to forget…
Parsi: Dikra, bhool to nai, ECE bulb lavjo!
Bangaali aurat: Bhoolbe naa nee sho bulb ECE bulb
and the Bangaali aurat is the last one to tell him about the bulb, when he reaches the bulb shop owned by Ghanshu and says: Bulbbulbbulbbulbbulb….
Ghanshu sings: Jyaada de ujaala (and the bulb/tube lights up in his hand) din-o-din chalne waala ECE bulb aur ECE tube!
CASPER MOSQUITO REPELLANT: Scene shows a family of mom-dad-bro and sis.
Male voice: Maccharon ko jisse lagta hai dar
kids chorus: Woh hai Casper!
Male voice: Woh chemical jismein dugna asar!
kids chorus: Woh hai Casper!
Male voice: Shaam se lekar subah tak jale!
kids chorus: Woh hai Casper!
Male voice: Jismein ek nahin, DO conductor!
kids chorus: Woh hai Casper!
(voice over): Bhaarat mein pehli baar! Electronic mosquito repellent, Casper! (Only, he sounded like he said Kesper)
GOOD NIGHT MOSQUITO REPELLANT: I only remember the last line in this jingle: Sweet dreams, and Good Knight folks!
NECC (National Egg Coordination Committee): A very famous ad, because the jingle was catchy. Calendar (Again, I am using the famous character played by Satish kaushik in Mr. India): Meri jaan, meri jaan, murgi ke ande!
Dilip Dhawan: Khaana meri jaan, meri jaan, murgi ke ande!
Female: Omlet khilaoon, fried khilaoon, boiled khilaoon!
Priti Sagar’s voice: Khilaoon murgi ke, murgi ke, ande hi ande!
(voice over, probably Harish Bhimani): Sunday ho ya Monday, roj khaayein ande
Calendar (with an egg held between thumb and first two fingers): Fantash-tick!
NATIONAL INTEGRATION ADS: There were about three of these ads… they were long and I used to remember each and every line.
The first ad was the one with popular sportspersons (Kapil, Gavaskar, Milka Singh, PT Usha, Prasanna, Padukone, to name a few) carrying the torch through different regions of India. The background music was inspiring and ended with the national anthem tune.
Second was the famous “Mile Sur Mera Tumhara”:
(Bhimsen Joshi): Mile sur mera tumhara tooooo soooor bane hamaara… sur ki dariya har disha se behke saagar mein mile… baadalon ka roop-a lekar… barse halke halke…. oooooh mile sur mera tumhara tooo soor bane hamara….
(Rajasthan, featuring then-famous bowler Narendra Hirwani sitting on aqueduct) (your) tarang (and) (my) tarang… ek vat baniye (our) tarang!
Tena sur mele mera sur dena milke bane ek nava sur da
(Shabana Azmi right outside the Taj Mahal): Mile sur mera tumhara to sur bane hamaara
(cast of Tamas, supposed to be the Punjab element)
Female chorus: Sur ka dariya behke saagar mein miley
Male chorus: Baadlaan-da roop lehke
Deepa Sahi: Barsanei hole hole….
(we move deep south, and musician Balamurlikrishna is on the beach with Cricketer turned umpire Venkataraghavan and some others… including Kamal Hassan who doesn’t sing but just gives a Digjam pose) Isayindaal… nam iruvarin… suramum namadaahum (Veena music, while Kamal shows off his Digjam pose.)
isaimel raagaahum aadise aarugal mugilai mazhaiaai pozhivadum pol isai! nam isaaaaaaaaiiii!
(woman singing dhik tak dhik ta jhoom… etc etc)
Shift to Karnataka. (man dressed in Coorg attire) Nanna dhwanige ninna dhwaniya (woman) seridante namma dhwaniya (you can also see prakash padukone here)
Shift to Andhra. (man and woman together) naa swaramoo nee swaramoo sangamamai mana swaranga avatarinche
Shift to Kerala. (mallu dude on elephant) ende swaramum ningalude swaramum ottucheru namm-ode swaramai!
(cut from one Communist state to another: Bong boatman slowly rowing boat on the Hooghly)…. Tomar shoor modir shoor… sristi hoouu… hoiko shoor… (repeat thrice)
fourth time: sristi hoouu hoi ko taal (change music to manipuri/nagaland type with people walking past with their arms interlocked around their hips)
(male) Tomar moro shoorono milano (female joins in) shrishti hoo chalo chapano
(music while Goa is shown and they show Mario Miranda’s cartoon styled paintings…)
(Mallika Sarabhai in Gujju) Maley soor jo taro maro, bane aapdo soor niralo..
(Tanuja representing Maharashtra): Majhya tumchya jultya taara madhur suranchya barasti dhaara
(Shrillest voice of ALL, Lata, first singing for Waheeda Rehman) Sur ki nadiya har disha se behke saagar mein mile
(now for Hema Malini) Baadalon ka rooooop leke barse halke halke
(Sharmila Tagore) hooo mile sur mera tumhara
(now they make no pretense and show Lata) Mile sur mera tumhara… toooooo soor bane…. hamaara….
(music increases in volume and speed again and they show the TRIO – Ganga Jamuna and Saraswati, Amitabh, Jeetendra and Mithun, with their arms around each other) Mile sur mera tumhara, to sur bane hamara
(everyone singing together) to sur bane hamara! to sur bane hamara!
(song turns into end of national anthem, Jaya he, jaya he… just the music, while each beat forms the Indian flag and the silhouette of Gandhi)
end title: Har Dil Mein Jagaayein Rashtrajyoti…
The next one was on the same lines, and was different people singing “Baje sargam, har taraf se goonje bankar Deshraag”. Among others, popular musicians like Hariprasad Chaurasia, Shiv Kumar Sharma, Allah Rakha, Balamuralikrishna, Zakir Hussain were seen in this song.
GOLD SPOT: (Guy): She’s crazy about (something)
(Girl):As crazy as he’s about (something else) and hits the tennis ball into the guy’s mouth, who manages to remove it just before they sing: (together): As crazy as crazy as we’re about… Gold Spot! The Zing Thing! Gold Spot (two bolts of thunder courtesy synthesizer) Gold Spot!
AMUL CHOCOLATE (voice over at the end by Harish Bhimani)
(Girl): I am too old for dolls, too young for the Disco
(Guy, I think this was a very young Aftab Shivdasani): But I think you’re just right for Amul Chocolate!
(Voice over): Amul chocolate! A gift for someone you love!
B-TEX CREAM & LOTION:
Ver.1.
Male: Daad, khaaj khujli ka dushman?!
Chorus: B-Tex Malam, B-Tex Lotion
Male: Eczema ka jaani dushman!
Chorus: B-Tex Malam B-Tex Lotion, B-Tex!
Ver.2.
Another, more recent B-Tex ad Ravi Baswani is scratching his shoulder and back, when Archana Joglekar steps up and sings a parody of Tirchi Topiwale:
RB (irritated with the itch): Oye Oye!
AJ: Khujli karne waale! B-Tex lagaa le!
B-Tex lagaake tu apni (aa aa aa)
Daad, khaaj khujli mitale
RB (happily displaying a tube of B-Tex): Oye Oye!
KINETIC HONDA: (scooter, featured a very young Javed Jaffrey out of a job and suddenly getting a scooter) .
song: Honda! Kinetic Honda! It gets to you, you’ll never be the same again! Honda! Kinetic Honda!
voice over: Kinetic Honda! What a scooter OUGHT to be!
CINKARA: This is vintage Javed Jaffery. JJ is overloaded with work. And just as he is about to think the pile on his desk can’t get any bigger, the secretary hands him some more papers…
voice over: Yeh bechaara, kaam ke bojh ka maara!! (he faints)
voice over: Inhein chaahiye Hamdard Ka Cinkara
(JJ drinks it, and in the next scene, breaks through glass and hands in his reports with a flourish)
voice over: Hamdard ka tonic, Cinkara!
MAGGI HOT AND SWEET TOMATO CHILLY SAUCE: It’s Different: Had a bunch of ads starring ‘Karamchand’ Pankaj Kapoor and Javed Jaffrey. One of them featured them as spectators on a tennis court… and at the end,
JJ screams, “Koi mujhe bataayega, ki Maggi Hot and Sweet Tomato Chilli Sauce mein aisi kya baat hai!” and Pankaj Kapoor nonchalantly motions to the crowd without taking his eyes away from his sandwich, and the crowd yells, “IT’S DIFFERENT!”, and the tennis ball lands in his lap.
The other, more famous ad, also brought back the imitations of Ajit, the awesomest gangster of 70s films. JJ is dressed as Ajit, and is talking to his henchmen while Pankaj Kapoor is busy opening up a bottle of Maggi Hot and Sweet, and Lily the mistress is at JJ’s side…
JJ: Thodi hi der mein hamaara helikaapter Hindustaan se door Birmingham pahunch jaayega. Michael, tum cycle par jaao… (at this point, Pankaj Kapoor takes out a Maggi bottle and thumps it on the table, and everyone fears gunshots and hides)
JJ: Saara shehar mujhe LOIN ke naam se jaanta hai, aur tum yeh kambakhat tamatar ka saaas!…
PK (interrupting): BOSS! Yeh tamatar ka saas nahin, Maggi Hot and Sweet Tomato CHILLI sauce hai, It’s Different!
JJ: Saaf saaf kaho tum kehna kya chahte ho!
PK (imitating JJ): This saas, is different, Baas!
(Lily giggles)
JJ: Lily, don’t be silly!
COLDARIN: Man at work screws something up (maybe breaks some glass or drops a sheaf of papers) because he has cold and related headache, and senior goes:
Senior: Yeh kya haal bana rakhkha hai? Kuch lete kyon nahin?
Man: Bahut si dawaiyan lee, sir, but kuch farq hi nahin pada.
Senior: Coldarin lee?
Man: uh-huh
Senior: Tumhein maloom nahin? Coldarin sardi ki khaas dawa hai.
Voice over: Sardi se aaram, chusti se chale kaam! Coldarin!
VICKS ACTION 500: Featuring Dheeraj Kumar as a fighter pilot with headache and cold. And of course, as soon as he pops a Vicks Action 500, he gives his smile and is back in the cockpit!
STREPSILS: Featuring Vijayendra Ghatge. He is enacting a scene in a movie where he plays the lead role!!!!! And the last dialogue is something like… “Good BYE, MADAM!” and then he starts to cough… so someone pops him a Strepsils… and then he starts charming whatever female is around him.
Another Strepsils ad featured a cartoon where a lion walks onto stage and decides to roar into the microphone, but only manages to meow. There is general laughter from the audience. Then, of course, it pops a Strepsils and ROAARRRRSSSSS.
BROOKE BOND RED LABEL CHAI: The typical young mom (also featured in the Maggi noodles ad) is at the market, and she asks the shopkeeper (who in reality provided the voice for many ads and voice-overs):
Woman: Aji Brooke Bond Red Label Chai to deejiye
Shopkeeper: Aji chai to chai hi hai, paani ubalo, patti daalo, doodh shakkar milao, aur pee jaao. Ismein kya khaas hai??!
Woman: Peeyo, to jaano!
(song, probably Preeti Sagar again):
Baagon ki taazgi laaye, packet bhar shuddhta aaye
Brooke Bond Red Label Chai! Har baar tasalli dilaaye!
Brooke Bond Red Label Chai! sachmuch hai bejod chai
(music stops, and woman continues): Aur daam bhi kifaayti!
NIRMA WASHING POWDER/SOAP BAR: Featured some good looking young girls including Sangeeta Bijlani… female lead and chorus singing the song, while the four gals wash their clothes and carry on with their daily housewife life, which includes travelling in autos and buying lightweight vegetables and dealing with goody-goody kids, maybe. There are clips of other members of the family (decided younger members) pirouetting in bright clothes supposedly washed by Nirma)….
Washing powder Nirma! Washing powder Nirma!
Dhoodh si safedi, Nirma se aayi,
Rangeen Kapda bhi dhul dhul jaye,
Paani mein rehke bhi yeh kam gale (at which point, my neighbour aunty would always say, “Bari sullu helthare”)
Dheron kapde dhoye aur jyaada chale
Washing powder Nirma! Washing powder Nirma!
Thoda sa powder, aur jhaag dher saara! (music)
Rangeele kapdon ko pal mein ujaala!
Rekha… Geeta…. Jaya aur Sushma (they show the four different girls, including Sangeeta Bijlani getting into an auto.
Sabki pasand Nirma!
Washing powder Nirma! Washing powder Nirma!
(with harmony): NIRMA!
(at this point in the ad, a girl wearing a polka-dot skirt is spinning around, and she turns into the Nirma girl on the packet)
Future modification of the jingle had the line “Nirma detergent tikiya iske jhaag ne jadoo kar diya”…
RASNA: This ad became a huge hit when it was played right before and during the fifteen-minute cartoon, shown on Sunday evenings, Spider-Man. It just consisted of a lot of kids drinking Rasna, and it included the fat uncle who drinks a huge jug of Rasna. Jingle:
Ras ki rachna Rasna (chorus: RASNA!)
Tarah tarah ke swaad ki rachna rasna (chorus: RASNA!)
(music)
verse: Ek packet se ban jaaye batteess gilaas (music)
Rasna ka har zaayeka sabke man ki bujhaaye pyaas!
Ras ki rachna Rasna (chorus: RASNA!)
At some point during this ad’s release, I think the long version had even the names of all the 10 flavours (the 11th flavour introduced, Mango Ripe, was one of my favourites, was added later on and got its own jingle which I quote below. The 12th flavour was Kala Khatta, I think, and then there was Masala Soda (Jaljeera) which was always misspelt as Masala Sooda.) in the verses of the song. Once Rasna became part of the Sunday morning line-up of ads, they added a cute female to the ad, and I believe that girl’s parents wanted more money or something, eventually she grew up a little bit, and they made her endorse another cold drink – Sudha. The ad for this drink went thus: It shows the girl, you can see she is grown up, and she says: Pehchana? Badi ho gayi hoon, na? Aur (my taste has become refined, too)… Sudha… etc etc…. In the meantime, Rasna found another cute kid who was younger for their ads. They got their buck-toothed girl, and everyone was happy.
Anyway, my point was, Rasna added the cute kid to the ad and added the punch-line: I Love You, Rasna!
Mango Ripe jingle: Mango ripe! Mango ripe! Naya hai Rasna Mango Ripe… Koi samay ho koi bhi din Rasna Mango Ripe ka din (mmm yummy) (different ways of drinking Mango Ripe: either with water, or as milk shake – at one point they had the shake bottle free with some offer) Mango ripe! Mango ripe, mazey ka Rasna Mango Ripe! ( I LOVE YOU RASNA!)
At some point in time, Harish Bhimani started doing voice-overs for Rasna ads and started to mention that it was a product of Pioma Industries. And ever since, programs were not sponsored by Rasna, but by Pioma Industries.
STREET CAT: This ad featured one of the first “rap” songs ever on Indian television. Here’s the jingle, as far as I can remember it. People with fake tattoos of cartoon characters, maybe. A couple of kids with sunglasses. Two guys with jeans, maybe? I sort of remember some polka-dot ensemble but I could just be “trippin’, yo!”
(chorus:) Boom boom shaka laka boom boom shak! Street Cat’s gonna knock you back!
Say man, check the mean machine. It’s got what it takes, it’s just the scene,
It’s called the Street Cat! Moves like a rocket. (something) Whole world in your pocket.
Straight handlebars and wide wide wheels,
Now go show the world you got a clean pair of heels!
(chorus:) Boom boom shaka laka boom boom shak! Street Cat’s gonna knock you back!
Street Cat!
Straight handle bars, alright. This bicycle was the first of its kind in India, with the straight handle bars. Every kid who wanted to show off went nuts.
CEEMA BULBS & TUBES: Featuring actress Sridevi. “Sima bulbs and tubes…la..la..la..”
PSPO BULBS: yeh PSPO nahi jaanta….
NIRMA SUPER: Featuring Deepika…(popular during Ramayan days)
Shopkeeper says: maan gaye Deepika ji aapki paarkhi nazar aur Nirma Super dono ko…
LIJJAT PAPPAD: Featuring 2 huge rabbits munching pappads…
Lijjat papad…karram kurram…kurram karram…mazedaar lijjatdaar…swaad swaad mein lijjat papad…hehehehe….Sri mahila grih udyog ka Lijjat papad.
I hope you had a nice time walking down the memory lane and into the ad world of the ’80s! Readers are welcome to write in the comments section about the ads that I may have missed. and is filed under Advertising, Bangalore, Humour, Nostalgia, Personal.
SURF : Who can forget Kavitha Choudhury, our dear Lalitaji who went on to become much more famous after she acted in ‘Udaan’.
DHARA : I remember a 5 year old kid angry at his parents and ‘leaving’ home. His grandfather comes in search of him. Obviously, the kid hasn’t gone too far from home. Grandpa tells the kid about the jilebis being prepared at home. The kid returns with glee. And, then you have the song “dhAra dhAra shudhdha dhAra”. And, I also remember the kid’s dad saying something to the effect of “You can leave the house, but after 20 or 25 years !!!”.
NIRMA BATH : Very melodious music and I became an instant fan of Sonali Bendre.
VICKS LOZENGES : Jayanth Kriplani and Baby Guddi. It ahd the jingle “vicks ki gOli lO, kich kich dUr karo”. Apaprently it created an absolutely unnecessary controversy because Jayanth Kriplani winks at the kid at the end of the ad. I would think that such controversies happen only in the west.
LUX : I remember many different bactresses coming…the Kannada version went something like “sinimA tAreyara soundarya sAbUnu”.
FAIR & LOVELY : Again, many past Miss India winners were featured. But, the classic and always remembered is the one with Juhi Chawla.
LAKME : I remember the Kannada jingle “ Lakme vanishing cream…muttinaMtha kAMti mogada hUvu tannIrE…eMthA rUpa ellaru nODi kannaDiyE nAchide”.
GOT MILK ?” Ad for milk featuring Yatin Karekar and gand with a jingle which goes soemthign like “dhoodh dhoodh dhoodh dhoodh, dhoodh hai wonderful…pee sakte hair Oz glassful…dhoodh dhoodh dhoodh”
EGG : From some Nation Egg Foundation (or some such org). The jingle was “mEri jAn mEri jAn murgi ke made, mEri jAn mEri jAn murgI ke made. Sunday hO yA Monday, rOz khAo aMDe”.
LAKHANI CHAPPAL : Sangeeta Bijlani and Salman Khan with the hit song and we see just the legs at the end. We are made to believe that they are kissing..
EVERYDAY : Can’t remebr the exact words, But let me mix up Hindi and Kannada versions for this milk powder….”Everyday…coffee ho yA chai, asli swAd yeh ???…everyday everyday tea coooffeyA hechchina swAda paDeyiri”.
MALTOVA : The ever wonderful Maltova mom acting to the jingle “Watch him run, watch him paly, he’s the winner all the way….you become a Maltova mom”.
COMPLAN : The son has grown taller than his mom and thus he can get to the Complan bottle which is stored at the top shelf.
OIL OF OLAY : There’s this young guy who is hitting on a ‘girl’. The ‘girl’ recognizes him as his student in school. They guy ‘blushes’. We are supposed to believe that the woman looked like a girl after using Oil of Olay. Very interesting Ad.
ERICSSON : The brilliant ad where an older gentleman is sitting at a restaurant. A girl in the next table is talking on her cell, but the cell is so small that the older guy doesn’t realize it. He thinks that she is inviting him to her table. Just when he gets up, she hangs up the cell phone. And, the sound of a broken glass in the background is brilliant.
ONIDA : “Neighbor’s envy, owner’s pride”. Can anyone ever forget it ?
RASNA : RK, I think you are referring to Ankita Jhaveri when you talked about the little kid in Rasna. She was absolutely brilliant and made Rasna a household name.
AMUL : RK, there were several different versions of Amul. Everyone from a kid to a grandmother were too young and too old for certain things. But then, they were all perfect for Amul chocolate.
And finally……
MOODS : A shy guy comes to a department store and stands there stuttering. Then, another man comes by, hits hard on the counter, looks at the shopkeeper and says “Moods Please !”. Then there is that one liner – “Act with confidence”. I sure wanted to act with confidence, but I had no freaking clue what the ad was all about. Ahh, some guys are just slow learners, or maybe they just don’t wanna learn Now that I have crossed the line, I guess it is harmless to say that the Raj Kappor – Nargis picturization of “pyAr hua” from Shri420 has been aptly used in a certain other ad.
I rest….
volfaaarm
laal raseelee tamaataron se ho saare taiyyaar
volfaarm
naa hee koee milaavat ismen
naa banaavatee rang
ek baar jo chakh le unglee chakhe baar baar
volfaarm
(no idea what happened to volfarm!)
hasmukh raam/rai/laal (forget which) kee hasmukh chaai
pachaas varson ke baad muskuraataa
sabko lubhaae
hasmukh chaai!
(no idea what happened to this happy flavoured tea either)
i was in bombay during this time frame, so may be these were the local dd2 channel or local vividh bharati radio only.
Dabur Hajmola Masterji film shot in a school hostel with the characteristic last two words from the young school boy caught having Hajmola by Masterji – ‘ Hajmola Sir ‘ The Sridevi film on Dabur Amla Hair Oil – ‘ Khile Khile Matwale Baal ‘ was another memorable Ad film of those times based on a popular Bollywood film tune. The Ad which created a history of sorts in that era with emphasis on fuel efficiency was the popular line of Hero Honda’s campaign – ‘ Fill it, Shut it, Forget it
Bajaj Ad ” Jab Main Chota Bachcha tha, Badi Shararat Karta tha, meri chori pakdi jaati….. jab roshni deta Bajaj”
Also, Sunil Gavaskar with a baseball bat
” Take the world in your stride, Dinesh! ”
AMUL – Lord krishna stealing amul – “Maiyya, mein nahi maakan kayo” (ad shown before Quiz time)
NESCAFE – English version in a foreign location and other featuring Ravi Shastri
PARLE G
SUNRISE
MELODY CHOCLATE – “Coffeee! Toffeee!! the argument continues”
BOURNIVTA -”Tan ki shakti, man ki shakti .. Bournvitaa”
VIVA
ECLAIRS
PARRYS, THE KING OF SWEETS
CAMPCO CHOCOLATES – Based on Do, Re, Me
C – for tasty campco chocolates
A – for Vitamin number 1
M – for milk to get you strength
P – for protein full of fun
C – for creamiest taste
O – la la lall lall la
SANTOOR
CINTHOL featuring Moon Moon Sen
CUTICURA
GOKUL Santol
AMRUTANJAN – “gayab”
IODEX
ZANDU BALM
SURF
VIMAL WASHING POWDER
RIN SOAP
Ujjala
RANIPAL
Solidaire –
“We want, we want true colours, we want we want clear sound, we know what we want, we want Solidaire… SO LI DA IRE…”.
SINGER – Sewing machine
Hamara Bajaj
SUZUKI SAMARAI
YAMAHA
LUNA
HMT WATCH
HMT TRACTORS
TITAN AD
FEVICOL
CHERRY BLOSSOM
Asian Paints
M-SEAL
hiii…..some one here has forgotten a add
1) a small little gal with comb frustrated with lice gotta?!?!!?!?
2) Amul taste of india a gift for some one u love
3) MRF and Dunlop tyres
4) Kethan fans
5) Ads from ASHA machines
6) Safolla oil a kid nearby huge eating items…
7) Lyril soap ad a lady near water stream
Ads regarding public awarness (drugs,smoking,drinking)
9) glimpse like a person holding hammer about to explode a coco encapsulated with helmet…
stuffs like dat….thanks
Thursday, August 5, 2010
latest news of state bank of india number 4
LOYALTY REWARDS PROGRAM FOR RETAIL INTERNET BANKING
(Launched on 26th November 2009)
LOYALTY REWARDS PROGRAM is a scheme to reward existing as well as new retail internet banking customers of SBI w.e.f. 26th Nov., 2009. It is the stimulus for the customers to transact online, earn reward points and redeem the points for cash. This process is just one of the ways to reward our esteemed customers for their continued support and loyalty.
1. Who is eligible for this service?
All existing and new retail internet banking customers of State Bank of India
2. Am I supposed to register for availing the benefit?
No registration is required for enjoying the benefits of this program. All internet banking customers doing online transactions will be automatically eligible for loyalty rewards.
3. How am I going to be rewarded under this scheme?
Based upon the number of transactions a customer will gain points and these points can be redeemed online for cash back. The cash from the redemption proceeds will be immediately credited to the customers transaction account upon opting for redemption, subject to the availability of a minimum of 400 points at the time of each redemption.
4. How do I accumulate Points?
Internet banking customers will automatically qualify for reward points if they carry on the following transactions via onlinesbi:
Bill payments, online shopping, merchant payments etc.
Government transactions pertaining to retail/individual customers falling under Central/State taxes (OLTAS,CBEC etc), Cyber treasury.
Railways ticket booking through IRCTC.
RTGS/NEFT (retail internet banking transactions only)/Visa Money Transfer.
5. How many points do I get for carrying on the above transactions?
The number of points rewarded for each transaction type is as per the following table
Transaction Type No. of Points Rewarded
RTGS/NEFT 5
Bill Payment/Merchant 6
IRCTC 10
VMT 10
Govt Tax Payments 20
6. What can I do with the accumulated points?
Customers can redeem the accumulated points online for cash and can use it as per their choice. The redemption amount will be immediately credited to the customer's transaction account on opting for redemption, subject to the availability of a minimum of 400 loyalty reward points in the account at the time of each redemption.
7. How is the redemption proceeds rendered back to me?
A "redeem" link is provided on the "Loyalty Points" link under the "My Accounts" page. The accrued points are redeemed for cash back to the customer which will be directly credited to the customer's transaction account immediately with no time loss on applying for it.
8. What is the monetary value of each point earned?
The value of each point is Rs 0.25.
9. What is the time required for getting the account credited with redemption proceeds from the time/day of redemption?
Instantaneous credit at the mentioned rate would be provided to customer's account.
10. How long will this Loyalty Rewards Program continue?
The Loyalty Rewards Program will continue for 1 year.
11. Will this program be extended beyond 1 year?
It is subject to bank's policy from time to time.
12. For how long are my accumulated points valid for redemption?
The accumulated points are valid for another three months after the withdrawal of the program.
13. Are points rewarded on online debit/credit card transactions under this particular scheme?
No. this reward program covers only online retail transactions done through our INB portal www.onlinesbi.com.
14. How do I check my points?
Loyalty point details can be seen from the "Loyalty Points" link under the 'My Accounts' tab.
15. I am a customer with only viewing rights. How do I benefit myself from this program?
To benefit from this program, a customer needs to avail transaction rights for the account. He/she can then start earning points for the transactions he/she does every time.
16. What is the minimum redemption limit?
The minimum redemption limit is 400 points. After that it is multiples of 100 (e.g. 500, 600 and so on).
17. Can I transfer the accumulated points from one banking A/c to another A/c?
No.
18. Are corporate internet banking customers eligible for thisLoyalty Program?
As of now, corporate internet banking customers cannot avail the benefits from this program.
(Launched on 26th November 2009)
LOYALTY REWARDS PROGRAM is a scheme to reward existing as well as new retail internet banking customers of SBI w.e.f. 26th Nov., 2009. It is the stimulus for the customers to transact online, earn reward points and redeem the points for cash. This process is just one of the ways to reward our esteemed customers for their continued support and loyalty.
1. Who is eligible for this service?
All existing and new retail internet banking customers of State Bank of India
2. Am I supposed to register for availing the benefit?
No registration is required for enjoying the benefits of this program. All internet banking customers doing online transactions will be automatically eligible for loyalty rewards.
3. How am I going to be rewarded under this scheme?
Based upon the number of transactions a customer will gain points and these points can be redeemed online for cash back. The cash from the redemption proceeds will be immediately credited to the customers transaction account upon opting for redemption, subject to the availability of a minimum of 400 points at the time of each redemption.
4. How do I accumulate Points?
Internet banking customers will automatically qualify for reward points if they carry on the following transactions via onlinesbi:
Bill payments, online shopping, merchant payments etc.
Government transactions pertaining to retail/individual customers falling under Central/State taxes (OLTAS,CBEC etc), Cyber treasury.
Railways ticket booking through IRCTC.
RTGS/NEFT (retail internet banking transactions only)/Visa Money Transfer.
5. How many points do I get for carrying on the above transactions?
The number of points rewarded for each transaction type is as per the following table
Transaction Type No. of Points Rewarded
RTGS/NEFT 5
Bill Payment/Merchant 6
IRCTC 10
VMT 10
Govt Tax Payments 20
6. What can I do with the accumulated points?
Customers can redeem the accumulated points online for cash and can use it as per their choice. The redemption amount will be immediately credited to the customer's transaction account on opting for redemption, subject to the availability of a minimum of 400 loyalty reward points in the account at the time of each redemption.
7. How is the redemption proceeds rendered back to me?
A "redeem" link is provided on the "Loyalty Points" link under the "My Accounts" page. The accrued points are redeemed for cash back to the customer which will be directly credited to the customer's transaction account immediately with no time loss on applying for it.
8. What is the monetary value of each point earned?
The value of each point is Rs 0.25.
9. What is the time required for getting the account credited with redemption proceeds from the time/day of redemption?
Instantaneous credit at the mentioned rate would be provided to customer's account.
10. How long will this Loyalty Rewards Program continue?
The Loyalty Rewards Program will continue for 1 year.
11. Will this program be extended beyond 1 year?
It is subject to bank's policy from time to time.
12. For how long are my accumulated points valid for redemption?
The accumulated points are valid for another three months after the withdrawal of the program.
13. Are points rewarded on online debit/credit card transactions under this particular scheme?
No. this reward program covers only online retail transactions done through our INB portal www.onlinesbi.com.
14. How do I check my points?
Loyalty point details can be seen from the "Loyalty Points" link under the 'My Accounts' tab.
15. I am a customer with only viewing rights. How do I benefit myself from this program?
To benefit from this program, a customer needs to avail transaction rights for the account. He/she can then start earning points for the transactions he/she does every time.
16. What is the minimum redemption limit?
The minimum redemption limit is 400 points. After that it is multiples of 100 (e.g. 500, 600 and so on).
17. Can I transfer the accumulated points from one banking A/c to another A/c?
No.
18. Are corporate internet banking customers eligible for thisLoyalty Program?
As of now, corporate internet banking customers cannot avail the benefits from this program.
latest news of state bank of india number 3
change over to base rate sysstem
w.e.f. 01/07/2010
1. At present the effective rate of interest for loan facilities is determined with linkage to the benchmark prime lending rate (sbar) declared by the bank from time to time.
2. In accordance with the mandatory guidelines issued by reserve bank of india with effect from 1 July 2010, the bank has to determine the chargeable effective rate of interest, for the loan facilities, with linkage to the base rate, to be declared by the bank from time to time.
3. Further in accordance with the instructions of RBI the existing borrowers have the option either to continue with the current system of chargeable effective rate of interest till the facilities falls due for renewal or switch over to the base rate system. Even prior to the due date of renewal, in case they are inclined to do so.
4. customers desirous of switching over to base rate system prior to the date of renewal are requested to contact their home branch, where the concerned staff will provide necessary details and answer any queries relating to the base rate system and other issues like effective pricing of your loan under the base rate system.
w.e.f. 01/07/2010
1. At present the effective rate of interest for loan facilities is determined with linkage to the benchmark prime lending rate (sbar) declared by the bank from time to time.
2. In accordance with the mandatory guidelines issued by reserve bank of india with effect from 1 July 2010, the bank has to determine the chargeable effective rate of interest, for the loan facilities, with linkage to the base rate, to be declared by the bank from time to time.
3. Further in accordance with the instructions of RBI the existing borrowers have the option either to continue with the current system of chargeable effective rate of interest till the facilities falls due for renewal or switch over to the base rate system. Even prior to the due date of renewal, in case they are inclined to do so.
4. customers desirous of switching over to base rate system prior to the date of renewal are requested to contact their home branch, where the concerned staff will provide necessary details and answer any queries relating to the base rate system and other issues like effective pricing of your loan under the base rate system.
latest news of state bank of india number 2
GREEN CHANNEL COUNTER
State Bank of India has started 'Green Channel Counter' on 1st July,2010, at select branches(Given below)across the country, as an innovative step towards paperless 'Green Banking' for deposit, withdrawal and remittance transactions.
The facility would give customers ease and comfort in transacting their business at branches. The customer need not fill up any pay-in slips or draw cheques for depositing or withdrawing money from their accounts, saving paper, and thereby contributing to the concept of 'Green Banking'.
This novel facility would be a game changing move in the industry by reducing process time, as duplication in writing/feeding account details and transaction details by the customer as well as the person behind the counter is avoided by simply capturing these details by swiping the SBI Shopping cum ATM card (State Bank Shopping Card) on a device available at the Single Window Operator's (SWO) counter. At the Green Channel Counter, there is a Point of Sale Machine (POS), on which the customer swipes his card. He is then asked by the machine to select the type of transaction, viz.
(0) Cash Deposit,
(1) Cash Withdrawal and
(2) Funds Transfer. Once the customer selects the type of transaction by entering the option, the message 'Enter the Amount' is displayed. At present the maximum amount is Rs 40,000/-. The customer is asked to confirm the input amount followed by a message "Please Enter the PIN". When the PIN is entered by the
customer, the transaction gets transferred to the terminal of SWO who after entering the denomination of the cash to be paid/received, pays/receives cash and the transaction gets completed. The customer will be provided with a machine generated printed receipt with previous balance, amount of transaction and closing balance. Odd amount (in round rupees) transaction possible. While withdrawing, the customer can have denomination of currency of his / her choice, subject to its availability at the Branch.
The Green Channel Counter is also an endeavor to offer ease of transactions to senior citizens, especially a large number of pension account holders who still prefer branch banking. It is the privilege of the oldest Bank in the country to take care of its elder citizens and guide them to the use of plastic cards. The facility would be extended to a larger number of branches with added facilities in due course.
Fees/charges – FREE –There will be a nominal charge for remittances from Non-home branches as given below:
up to Rs 20,000 – Free
above Rs 20,000 up to Rs 40,000 - @ Rs 1.50 per every Rs 1000 and part thereof
We welcome you to use this state-of-the-art facility provided by SBI and be part of our 'Green Banking' initiative.
Sr No CIRCLE BRANCH
1 AHMEDABAD NAVRANGPURA (3096)
Polytechnic Ahmd (1043)
Civil Hospital Precincts Ahmd (3043)
Pragati Nagar Ahmedabad (8053)
2 BANGALORE SPB Bangalore (6866)
Indira Nagar (3301)
Basaveshwar Nagar (9049)
Padmanabha Nagar (7981)
3 BHOPAL T.T NAGAR (1308)
Sultania Road (0332)
H.E.T.Bhopal (0519)
Kasturba hospital Bhopal (8956)
4 BHUBANESWAR PBB Chandrasekharpur (4345)
Bhubaneswar Main (0041)
Bapujinagar (6408)
Govt. Treasury Br, Bhubaneshwar (9025)
5 CHANDIGARH Panjab University.Chandigarh (0742)
Chandigarh Main Branch (0628)
Sector10 Panchkula (1509)
Medical Institute Chandigarh (1524)
6 CHENNAI Chrompet (13383)
Teynampet (1741)
Anna Nagar (60395)
Byepass Road, Velachery (11718)
7 DELHI SOUTH EXTN PART II (3219)
Sushantlok, Gurgaon (4449)
I I T Hauzkhas, Delhi (1077)
Greater Kailas 1 (1078)
8 HYDERABAD SECUNDERABAD (0916)
Trimulgherry (2802)
Charminar (1879)
Lalguda (7112)
9 BENGAL BHOWANIPURE (040)
JEEVANDEEP (3762)
Ganjez Garden Complex (4284)
Howrah (0091)
10 LUCKNOW NISHATGANJ (3223)
Munshi Pulia (11213)
Aminabad (1526)
Lucknow Cantt (1132)
11 MUMBAI MALAD WEST (0552)
Chembur (0533)
Wadala (1102)
Nariman Point (6945)
Madame Cama (8586)
12 NORTH EASTERN DISPUR (3030)
PBBGaneshguri (4134)
Silpukhri (5606)
Guwahati
13 PATNA BAILEY ROAD (06379)
J.C ROAD (1233)
Boring Canal Road (6551)
SPPB Patna (4070)
14 KERALA ELAMAKKARA (13223)
Naval Base (10568)
Kaloor (8621)
M.G.Road Ernakulam (3539
State Bank of India has started 'Green Channel Counter' on 1st July,2010, at select branches(Given below)across the country, as an innovative step towards paperless 'Green Banking' for deposit, withdrawal and remittance transactions.
The facility would give customers ease and comfort in transacting their business at branches. The customer need not fill up any pay-in slips or draw cheques for depositing or withdrawing money from their accounts, saving paper, and thereby contributing to the concept of 'Green Banking'.
This novel facility would be a game changing move in the industry by reducing process time, as duplication in writing/feeding account details and transaction details by the customer as well as the person behind the counter is avoided by simply capturing these details by swiping the SBI Shopping cum ATM card (State Bank Shopping Card) on a device available at the Single Window Operator's (SWO) counter. At the Green Channel Counter, there is a Point of Sale Machine (POS), on which the customer swipes his card. He is then asked by the machine to select the type of transaction, viz.
(0) Cash Deposit,
(1) Cash Withdrawal and
(2) Funds Transfer. Once the customer selects the type of transaction by entering the option, the message 'Enter the Amount' is displayed. At present the maximum amount is Rs 40,000/-. The customer is asked to confirm the input amount followed by a message "Please Enter the PIN". When the PIN is entered by the
customer, the transaction gets transferred to the terminal of SWO who after entering the denomination of the cash to be paid/received, pays/receives cash and the transaction gets completed. The customer will be provided with a machine generated printed receipt with previous balance, amount of transaction and closing balance. Odd amount (in round rupees) transaction possible. While withdrawing, the customer can have denomination of currency of his / her choice, subject to its availability at the Branch.
The Green Channel Counter is also an endeavor to offer ease of transactions to senior citizens, especially a large number of pension account holders who still prefer branch banking. It is the privilege of the oldest Bank in the country to take care of its elder citizens and guide them to the use of plastic cards. The facility would be extended to a larger number of branches with added facilities in due course.
Fees/charges – FREE –There will be a nominal charge for remittances from Non-home branches as given below:
up to Rs 20,000 – Free
above Rs 20,000 up to Rs 40,000 - @ Rs 1.50 per every Rs 1000 and part thereof
We welcome you to use this state-of-the-art facility provided by SBI and be part of our 'Green Banking' initiative.
Sr No CIRCLE BRANCH
1 AHMEDABAD NAVRANGPURA (3096)
Polytechnic Ahmd (1043)
Civil Hospital Precincts Ahmd (3043)
Pragati Nagar Ahmedabad (8053)
2 BANGALORE SPB Bangalore (6866)
Indira Nagar (3301)
Basaveshwar Nagar (9049)
Padmanabha Nagar (7981)
3 BHOPAL T.T NAGAR (1308)
Sultania Road (0332)
H.E.T.Bhopal (0519)
Kasturba hospital Bhopal (8956)
4 BHUBANESWAR PBB Chandrasekharpur (4345)
Bhubaneswar Main (0041)
Bapujinagar (6408)
Govt. Treasury Br, Bhubaneshwar (9025)
5 CHANDIGARH Panjab University.Chandigarh (0742)
Chandigarh Main Branch (0628)
Sector10 Panchkula (1509)
Medical Institute Chandigarh (1524)
6 CHENNAI Chrompet (13383)
Teynampet (1741)
Anna Nagar (60395)
Byepass Road, Velachery (11718)
7 DELHI SOUTH EXTN PART II (3219)
Sushantlok, Gurgaon (4449)
I I T Hauzkhas, Delhi (1077)
Greater Kailas 1 (1078)
8 HYDERABAD SECUNDERABAD (0916)
Trimulgherry (2802)
Charminar (1879)
Lalguda (7112)
9 BENGAL BHOWANIPURE (040)
JEEVANDEEP (3762)
Ganjez Garden Complex (4284)
Howrah (0091)
10 LUCKNOW NISHATGANJ (3223)
Munshi Pulia (11213)
Aminabad (1526)
Lucknow Cantt (1132)
11 MUMBAI MALAD WEST (0552)
Chembur (0533)
Wadala (1102)
Nariman Point (6945)
Madame Cama (8586)
12 NORTH EASTERN DISPUR (3030)
PBBGaneshguri (4134)
Silpukhri (5606)
Guwahati
13 PATNA BAILEY ROAD (06379)
J.C ROAD (1233)
Boring Canal Road (6551)
SPPB Patna (4070)
14 KERALA ELAMAKKARA (13223)
Naval Base (10568)
Kaloor (8621)
M.G.Road Ernakulam (3539
latest news about state bank of india Number 1
1. MEMORANDUM FOR EXECUTIVE COMMITTEE OF THE CENTRAL BOARD
FINANCIAL INCLUSION PLAN 2011-2013
Financial Inclusion is the delivery of financial services at an affordable cost to the vast sections of disadvantaged and low income groups.
1. RBI INSTRUCTIONS
To further the cause of financial inclusion and increasing outreach, RBI vide their Circular DBOD No.BL.BC.58/22.01.0021/2005-06 dated 25th January 2006, permitted All Scheduled Commercial Banks including RRBs to engage intermediaries such as Business Correspondents (BC) / Business Facilitators
(BF) to provide f inancial and banking services to the unbanked and underprivileged populat ion. RBI also in the said circular listed the Individuals / entities who are eligible to be engaged as BCs/BFs. Subsequently, the basket of the eligible entit ies was expanded based on the suggestion received and recommendations of a Working Group constituted by RBI.
RBI, vide their Circular No.RPCD.CO.233.HLC.BC.No.43/02.19.10/2009-10 dated 27/11/2009, has directed that the Lead Banks may constitute a subcommittee of District Consultat ive Committees (DCCs) to draw a roadmap by March 2010 to provide banking services through a banking out let in every
village having a population of over 2,000 by March 2011. Such banking services may be either through brick and mortar branches or through any of the various forms of ICT-based models, including BCs.
RBI have also advised banks to come up with specif ic Financial Inclusion Plans (FIP) by March 2010, with a view to rolling them out over the next three years. The FIP needs to be approved by the Banks Board. RBI have provided broad contours for the proposed FIP and left it to each Bank to frame their
plans, in the line with their business model and comparative advantage. Accordingly, we had framed the FIP for the next three years, which was approved by ECCB, vide its agenda No.CB/EC1/317 held on 8th March, 2010. On submission of the FIP as above to RBI, it has been suggested to add specific timelines and stage-wise plan of implementat ion of the FIP 2011-13 and furnish a copy of the revised plan duly approved by the Board to RBI. At the time of approval of the FIP, the allotment of specific villages with a populat ion of more than 2,000 to be covered was under process at SLBC / DCC level. The same has now been finalized and included in this plan which is provided in Annexure-B. Accordingly, a revised memorandum is being submitted for approval.
2. OBJECTIVES OF THE FIP
To make basic banking products / services available to the unbanked and underprivileged populat ion in RUSU and Urban / Metro areas.
To continue to provide all existing FI products and services and any other products / services as and when developed depending on the demand and usage.
To make available services like remittances, standing instructions for repayment of loans, etc.
To enable receipt of EBT payments of various State and Central Governments, through the F.I. accounts.
To make available other products like micro insurance and micro investments.
To align the F.I. accounts with UID project.
To make available the products / services as near the customers’ residence as possible.
To continue to use a judicious mix of Branch channel (Exist ing and New) and Alternate Channels for F.I.
To extensively use the alternate channel, CSPs of BC/BF and Marketing and Recovery Teams to bring banking to the doorsteps of the FI customers.
To leverage technology for operational conveniences, accounting and risk mit igat ion.
To provide for adequate risk mitigat ion measure through monitoring and supervision of the F.I. activity.
To cover additional 1.00 lac villages in the next 3 years up to 2013. Identify the villages with populat ion of over 2,000 and plan to provide Banking services in every village allotted to the Bank by the Sub Committee of District Consultat ive Committees (DCC) by March 2011, through a banking out let (either through Branches or through Business Correspondent outlets).
All branches (Existing / New) to be on CBS connectivity. The Exist ing Branches are already on CBS. All new Branches will also be opened on CBS platform.
To init iate necessary measures for spreading Financial Literacy among the excluded populat ion.
3. PRESENT STATUS OF F.I. IN THE BANK (As on 31st March 2010)
No Frill accounts are being opened with zero balance at branches and through CSPs of BCs.
68.38 lac No Frill accounts have been opened up to March 2010, 29.54 lac through branches and 38.84 lac through the CSPs of BCs by way of Smart Cards / other technology based platform.
More than One lac unbanked villages have been covered, through the Alternate and Branch Channel by 31st January, 2010.
The following technology platforms are leveraged for opening and serving F.I. accounts through the CSPs of BCs engaged.
o Smart card based Savings / Overdraft accounts operated through contact and contact less cards using POS device.
o SBI kiosk banking.
o Cell phone based messaging system.
The technology based F.I. accounts opened through the BCs are operat ing in 21 States covering 135 districts.
SBI branches in RUSU areas are also catering to F.I. accounts.
More than 26,354 CSPs of BCs/BFs have been set up.
316 Rural Central Processing Centres have been launched to enhance the processing capacity for processing loan accounts.
About 4,000 OMRs are serving the F.I. customers.
17.12 lac SHGs have been credit linked against target of 16.23 lacs by March, 2010.
Rs.11,576 cr. have been disbursed to the SHGs cumulatively. In the current year, the amount disbursed is Rs.3525 crs.
11.17 lac members of SHGs have been covered for Life Insurance under Grameen Shakti (Micro Insurance Scheme).
189.65 lac households in 264 districts and 80,581 villages have been covered under 100% Financial Inclusion project of SLBC.
145.6 lac accounts have been opened in RUSU Branches and 96% of the Branches have exceeded the target of opening 250 accounts per Branch per annum as recommended by the Rangarajan Committee.
Operating guidelines for engagement of BCs / CSPs issued.
4. FINANCIAL INCLUSION STRATEGY AND PLAN 2011-2013
A. INCREASING OUTREACH
(i) Through CSPs of BC Branches:
CSPs of BC to be increased from 26,354 to 50,000 by 2013 to be contributed equally by BFs and BCs.
RUSU Branches to increase from 8,390 to 10,000.
All existing branches are on CBS and all new branches to continue to be opened on CBS.
A hub and spoke model with branches catering exclusively to CSPs to be piloted and rolled out in 2010-11.
Coverage of unbanked villages: The number of villages to be covered in the next three years are proposed to be 1 lac, year-wise and channel-wise break-up is furnished in the Annexure. The names of the villages covered will be put on the Bank’s website.
There are totally 99,617 villages in the country as per census 2001 with populat ion of over 2,000 in 449 districts, out of which 64,000 villages are yet to be covered. SBI has been allotted 11,943 unbanked villages for covering the same by way of opening branches or establishing Customer Service Points (CSP). A detailed list (State-wise and Circle-wise alongwith timelines) is enclosed on Annexure B. 11,108 villages with populat ion more than 2,000 will be covered by Customer Service Points of Bus iness Correspondents engaged by the Bank and 835 villages will be covered by branches.
Establishment of the CSPs and coverage of villages is being monitored both by the Circle Offices and Rural Business Group at Corporate Centre, Mumbai. The position will be reviewed on quarterly basis.
(ii) Procedure for sanctioning loans :
Loan proposals sourced by the BC-CSPs will be sanctioned by the Bank officials only - either at the Link branch or at Rural Central Processing Centres (RCPC) where the relative Link branch is attached to a RCPC. We have already set up about 316 RCPCs and have plans to cover all the districts.
(iii) Coverage of RRBs under CBS platform:
Out of the 17 Regional Rural Banks sponsored by the Bank, f ive RRBs are already under CBS. The CBS connectivity has been extended to 1,365 branches out of the total 2,607 branches of all RRBs. The RRBs cover 124 districts and have opened 18.76 lac FI accounts. The entire network of RRBs are proposed to be covered under CBS by September 2010.
B. TECHNOLOGY EMPLOYED
All products offered through Business Correspondent (BC) channel will be technology enabled.
Considering that the technologies are still evolving, it is the policy of the Bank to pilot all available technologies, subject to Proof of Concept.
At present, we are employing three types of technologies:
_ Card and Point of Sale (PoS) device with M/s A Litt le World Pvt. Ltd. and M/s Fino as technology providers. Customer identif ication is through biometrics. This technology offers the benefit of ‘off line’
transactions.
_ Cell Phone messaging system based accounts with M/s EKO as the technology vendor. Security is provided by PIN. Transactions are put through ‘on line’. There is no capital investment for the agent of BC
except for the mobile phone.
_ Internet Kiosk bank based accounts works with a technology which was developed by the Bank. Security is through biometrics and the transactions are ‘on line’. Common Service Centres will be leveraged as BCs and operate on the SBI Internet kiosk technology to enroll FI customers.
Across all these models, the accounts are to be hosted in Bank’s CBS and the settlement between the Bank and the BC is done within 24 hours of transaction being put through in the field. Data transmission between the BC-Customer Service Point and the Bank’s CBS is seamless without any manual intervention.
_ In all these technologies, Savings Bank and Remittance products are offered. In Card and PoS based accounts, Recurring Deposit and Savingscum- Overdraft products are also offered. More products are being developed for this channel.
_ Micro ATM, i.e., front end hand held device to be introduced by UIDAI. The PoS machines used by our BCs conform to these standards.
Priority to be given to kiosk banking as it is cost effective and online.
Strive to reduce cost and look out for new and better technology.
Operational convenience, security and cost and online connection to be factors to decide on technology.
Process of vendor selection, infrastructure arrangement, cost structure and fees, etc., Technology vendor selection. First instance through tender. Second round has been on a pilot basis to extend outreach in view of vendor capacity limitat ion. As of now, our approach has been to have 3 types of technology in the front end, to be interfaced with our uniform CBS backend. This policy is proposed to be pursued till the proposed plan period of March 2013. Infrastructure will be as per the technology needs. We shall pursue our existing approach of cost optimizat ion as an important factor of our technology / infrastructure choice. Technology fees to vendors have been mapped against the tender discovered prices so far and has been
further optimized through periodic discussions / negotiations, as also cheaper front end options introduced (like chip less cards) to follow through the plan period.
C. PRODUCTS
The following products are presently available for F.I. customers:
Through Branch Channel
_ No Frill Savings .Bank Account
_ General Credit Cards.
_ Kissan Credit Cards.
_ Other products within the overall ceiling for balance in the accounts as
stipulated by RBI.
Through CSP of BC
_ SBI Tiny Smart Card Accounts, features as applicable to No Frill Account.
_ SBI Tiny RD Card Account – with special features of flexi payments.
_ SBI Tiny O/D account with facility of O/D with maximum limit of Rs
25,000/-.
_ Remittances.
Electronic Benefit Transfer
_ All the savings bank accounts opened through the BCs are enabled to receive credits from the Governments under Electronic Benefit Transfer (EBT).
_ We have enrolled about 26 lakh benef iciar ies across 5 States for receiving Government benefits.
_ Revenue models for these projects are being discussed by us with the State Governments and Ministry of Rural Development, Govt. of India and once a cost effective revenue model is finalized (by charging either the remitt ing Governments or the benefit receiving customers), we propose to participate in the EBT projects of all State Governments.
_ All the existing products will be continued to be made available and suitable other product(s) also developed depending on the demand and usage.
D. REVIEW MONITORING AND EVALUATION
Presently, the following system is in vogue for monitoring and evaluat ion of the Financial Inclusion initiatives and their progress-
The performance vis-à-vis targets set for the various FI activit ies is reviewed at various levels beginning from the RBOs to Circles and Corporate Centre through structured monthly reports.
Reporting as required by RBI is submitted at periodic intervals.
Periodic reviews are put up to the top management at Corporate Centre and observations / action plans conveyed to Circles for implementat ion.
The Monthly CENMAC presentat ion also includes the performance on FI activit ies.
The performance of the Business Correspondents / Business Facilitators is also reviewed by the ECCB once a year.
The progress is also reviewed in the per iodic meet ings / seminar with the Circle Rural Business Heads.
Special posts have been created in the Rural Business Group for monitoring and managing the FI Init iat ives and Outreach Channels like Chief Manager (Rural) in the Regions.
The monitoring and evaluation mechanism will be f ine tuned to meet the requirements under the current FI plan.
Control of Business Correspondents:
Control of Business Correspondents, at present, is with the Bank (Rural Bus iness Group). A dedicated cadre of Channel Managers / Channel Management Facilitators reporting to Chief Manager (Rural) at Regions monitors and mentors the BC-CSPs. Over all command of the outreach channel is vested with Asst. General Manager / Dy. General Manager (Rural Bus iness) at Local Head Offices.
_ Performance of individual CSPs is being monitored through Channel Management Software (CMS) which is also a tool for payment of commission to the BCs.
_ At present, Bank is engaging the BCs, both individuals and organizat ions, directly. Depending on the geographic spread of the BC, they are classified as national or regional BCs. BCs with presence across more than one Circle are national BCs and these are being engaged by Rural Bus iness Group at Corporate Centre. BCs with presence only in one Circle are engaged by Rural Business Units at Local Head Offices.
Detailed instructions on the criteria and selection process are put in place.
_ Considering that the number of BCs and their CSPs is expected to go up substantially in the coming years, we are examining the possibility of outsourcing the activity of BC management.
E. STRATEGY FOR URBAN CENTRES
Our Bank has a strategy to implement FI activit ies in the urban areas also with the help of technical support. A beginning has been made in Delhi and Surat; this will now be extended sizably.
Remittance is a major service targeted for the migrant labour. Relaxed KYC as permitted for FI accounts opened through CSPs of BCs by RBI is followed. The UID project is expected to further ease KYC conditions.
Remittances corridors are being mapped to ensure that the migrant labour is benefited from the service at affordable cost. A remittance facility from Customer Service Point (CSP) of Bus iness Correspondent (BC) to another CSP of the same platform has been implemented in 6 districts of Delhi and 5 districts of Bihar. Similar ly, a facility of remittance from BC to CBS branch will be piloted during the f irst quarter ending June, 2010. The facility will be extended in mult iple centres progressively.
‘No Frills’ accounts are also offered through our Urban Branches.
F. EVALUATION OF FIELD STAFF ON FI PERFORMANCE
It is proposed to give suitable targets to the Branch Managers, Chief Manager (Rural), and AGM of the Regions on FI activities and evaluate their performance in their Annual Appraisal reports.
G. INTEGRATION OF FIP WITH BUSINESS PLAN OF THE BANK
The various init iat ives for Financial Inclusion and the Targets to be achieved in the next three years will be dovetailed into the Bank’s Annual Budgetary Plans and suitable targets given to each Circle. The FIP will also be a part of the Annual Policy guidelines.
H. FINANCIAL LITERACY
The broad objective of the Financial Literacy and Credit Counseling Centres (FLCCs) is to provide free financ ial literacy / education, credit counseling and creating awareness among the public regarding their r ights and duties in respect of banking services. The RBI has advised all the banks to set up FLCCs in their lead districts in a phased manner to cover all segments of the society. The modalit ies to set up FLCCs in our lead districts, as per the guidelines issued by the RBI, are being worked out. We propose to set up 100 FLCCs in our lead districts in the next 3 years. We have advised the District Coordinators and Lead District Managers to take up the task of Financial Literacy through the Village Panchayats and other Govt. Officials in the Rural Development Depts.
I. BUSINESS LEVELS:
_ Based on the sourcing capacity being created and enhanced processing capacity (branches and RCPCs) being built up, we expect the business levels of Rural Bus iness Group will be as under by March 2013.
_ Aggregate Deposits of this form Rs.5,20,000 crores
Retail personal segment Rs.2,40,800 crores
Small & Medium Enterprises Rs.1,05,000 crores
Agr iculture Rs. 30,000 crores
_ Aggregate Advances of which Rs.2,81,000 crores
Retail loans to P segment Rs. 98,000 crores
(including Rs.4,500 crores Educational
Loans and Rs.25,000 crores Housing
Loans)
Loans to Small & Medium Enterprises Rs. 61,000 crores
Agr iculture Rs.1,22,000 crores
The revised Financial Plan for 2011-2013 is recommended for approval. The revised plan will be advised to RBI after approval.
DEPUTY MANAGING DIRECTOR
Rural Business Group, & GROUP EXECUTIVE
Corporate Centre, Mumbai (RURAL BUSINESS)
10th June 2010
Annexure A
Quantitat ive aspects to be covered in the FIP and the year-wise plan:
(Rs. in crores) (No. of units in lacs)
Sr.No. Target (Number) 2011 2012 2013
1. No. of new No Frill accountsthrough branches 20 25 30
and through CSPs of BCs [ Targets for 2010-11
enclosed: Annexure A(1)(a) Branch Channel
Annexure A(1)(b) Technology Channel
Annexure A(1)(c) Urban & Metro Branches ]
2. No. of households to be provided with
KCC/GCC/OD in SB A/cs ( Plan to cover all 8 9 10
households in each selected village )
3. No. of villages to be provided with banking
Services- (Actual)
Villages with population more than 2000 11943 - -
Villages with populat ion less than 2000 38057 25000 25000
Total [ Annexure 3(A) ] 50000 25000 25000
4. No. of households to be covered 60 70 70
250 accounts per RUSU branch
5. No. of BCs/CSPs to be engaged
(Actual) 8000 8000 8000
6. No. of new Branches
(Actual) 550 550 600
7. No. of SHGs to be credit linked
[ Annexure 7 ] 350 400 450
8. New Business to be generated
through the plan, viz., Deposits, 750 750 900
Advances, (Rs. In Crores) 750 1250 2000
9. Micro Insurance – Grameen Shakti through
SBI Life To increase from 5% of SHG members covered to 10%.
10. Remittances through CSPs Remittance corridors in 15 locations with linkage in remote areas to be developed.
11. Govt. Benefit Payments Depending upon acceptable commercials, EBT be attempted to be serviced for all Central / State Govts.
12. Enabling Accounts for receiving EBT
All accounts opened through CSPs to be enabled to receive EBT.
13. Leveraging UID UID will be leveraged when introduced, suitably.
14. New Products
To continue to develop suitable products for F.I. depending on demand and experience.
The No Frill accounts opened and operated through CSPs could be through Smart Card, kiosk banking, cell phone based messaging system or through any other approved technology.
All the FI accounts opened at the Branches or through CSPs of BCs will be opened as SB OD accounts. Need based limits upto Rs.25000/- can be sanctioned for these accounts.
FINANCIAL INCLUSION PLAN 2011-2013
Financial Inclusion is the delivery of financial services at an affordable cost to the vast sections of disadvantaged and low income groups.
1. RBI INSTRUCTIONS
To further the cause of financial inclusion and increasing outreach, RBI vide their Circular DBOD No.BL.BC.58/22.01.0021/2005-06 dated 25th January 2006, permitted All Scheduled Commercial Banks including RRBs to engage intermediaries such as Business Correspondents (BC) / Business Facilitators
(BF) to provide f inancial and banking services to the unbanked and underprivileged populat ion. RBI also in the said circular listed the Individuals / entities who are eligible to be engaged as BCs/BFs. Subsequently, the basket of the eligible entit ies was expanded based on the suggestion received and recommendations of a Working Group constituted by RBI.
RBI, vide their Circular No.RPCD.CO.233.HLC.BC.No.43/02.19.10/2009-10 dated 27/11/2009, has directed that the Lead Banks may constitute a subcommittee of District Consultat ive Committees (DCCs) to draw a roadmap by March 2010 to provide banking services through a banking out let in every
village having a population of over 2,000 by March 2011. Such banking services may be either through brick and mortar branches or through any of the various forms of ICT-based models, including BCs.
RBI have also advised banks to come up with specif ic Financial Inclusion Plans (FIP) by March 2010, with a view to rolling them out over the next three years. The FIP needs to be approved by the Banks Board. RBI have provided broad contours for the proposed FIP and left it to each Bank to frame their
plans, in the line with their business model and comparative advantage. Accordingly, we had framed the FIP for the next three years, which was approved by ECCB, vide its agenda No.CB/EC1/317 held on 8th March, 2010. On submission of the FIP as above to RBI, it has been suggested to add specific timelines and stage-wise plan of implementat ion of the FIP 2011-13 and furnish a copy of the revised plan duly approved by the Board to RBI. At the time of approval of the FIP, the allotment of specific villages with a populat ion of more than 2,000 to be covered was under process at SLBC / DCC level. The same has now been finalized and included in this plan which is provided in Annexure-B. Accordingly, a revised memorandum is being submitted for approval.
2. OBJECTIVES OF THE FIP
To make basic banking products / services available to the unbanked and underprivileged populat ion in RUSU and Urban / Metro areas.
To continue to provide all existing FI products and services and any other products / services as and when developed depending on the demand and usage.
To make available services like remittances, standing instructions for repayment of loans, etc.
To enable receipt of EBT payments of various State and Central Governments, through the F.I. accounts.
To make available other products like micro insurance and micro investments.
To align the F.I. accounts with UID project.
To make available the products / services as near the customers’ residence as possible.
To continue to use a judicious mix of Branch channel (Exist ing and New) and Alternate Channels for F.I.
To extensively use the alternate channel, CSPs of BC/BF and Marketing and Recovery Teams to bring banking to the doorsteps of the FI customers.
To leverage technology for operational conveniences, accounting and risk mit igat ion.
To provide for adequate risk mitigat ion measure through monitoring and supervision of the F.I. activity.
To cover additional 1.00 lac villages in the next 3 years up to 2013. Identify the villages with populat ion of over 2,000 and plan to provide Banking services in every village allotted to the Bank by the Sub Committee of District Consultat ive Committees (DCC) by March 2011, through a banking out let (either through Branches or through Business Correspondent outlets).
All branches (Existing / New) to be on CBS connectivity. The Exist ing Branches are already on CBS. All new Branches will also be opened on CBS platform.
To init iate necessary measures for spreading Financial Literacy among the excluded populat ion.
3. PRESENT STATUS OF F.I. IN THE BANK (As on 31st March 2010)
No Frill accounts are being opened with zero balance at branches and through CSPs of BCs.
68.38 lac No Frill accounts have been opened up to March 2010, 29.54 lac through branches and 38.84 lac through the CSPs of BCs by way of Smart Cards / other technology based platform.
More than One lac unbanked villages have been covered, through the Alternate and Branch Channel by 31st January, 2010.
The following technology platforms are leveraged for opening and serving F.I. accounts through the CSPs of BCs engaged.
o Smart card based Savings / Overdraft accounts operated through contact and contact less cards using POS device.
o SBI kiosk banking.
o Cell phone based messaging system.
The technology based F.I. accounts opened through the BCs are operat ing in 21 States covering 135 districts.
SBI branches in RUSU areas are also catering to F.I. accounts.
More than 26,354 CSPs of BCs/BFs have been set up.
316 Rural Central Processing Centres have been launched to enhance the processing capacity for processing loan accounts.
About 4,000 OMRs are serving the F.I. customers.
17.12 lac SHGs have been credit linked against target of 16.23 lacs by March, 2010.
Rs.11,576 cr. have been disbursed to the SHGs cumulatively. In the current year, the amount disbursed is Rs.3525 crs.
11.17 lac members of SHGs have been covered for Life Insurance under Grameen Shakti (Micro Insurance Scheme).
189.65 lac households in 264 districts and 80,581 villages have been covered under 100% Financial Inclusion project of SLBC.
145.6 lac accounts have been opened in RUSU Branches and 96% of the Branches have exceeded the target of opening 250 accounts per Branch per annum as recommended by the Rangarajan Committee.
Operating guidelines for engagement of BCs / CSPs issued.
4. FINANCIAL INCLUSION STRATEGY AND PLAN 2011-2013
A. INCREASING OUTREACH
(i) Through CSPs of BC Branches:
CSPs of BC to be increased from 26,354 to 50,000 by 2013 to be contributed equally by BFs and BCs.
RUSU Branches to increase from 8,390 to 10,000.
All existing branches are on CBS and all new branches to continue to be opened on CBS.
A hub and spoke model with branches catering exclusively to CSPs to be piloted and rolled out in 2010-11.
Coverage of unbanked villages: The number of villages to be covered in the next three years are proposed to be 1 lac, year-wise and channel-wise break-up is furnished in the Annexure. The names of the villages covered will be put on the Bank’s website.
There are totally 99,617 villages in the country as per census 2001 with populat ion of over 2,000 in 449 districts, out of which 64,000 villages are yet to be covered. SBI has been allotted 11,943 unbanked villages for covering the same by way of opening branches or establishing Customer Service Points (CSP). A detailed list (State-wise and Circle-wise alongwith timelines) is enclosed on Annexure B. 11,108 villages with populat ion more than 2,000 will be covered by Customer Service Points of Bus iness Correspondents engaged by the Bank and 835 villages will be covered by branches.
Establishment of the CSPs and coverage of villages is being monitored both by the Circle Offices and Rural Business Group at Corporate Centre, Mumbai. The position will be reviewed on quarterly basis.
(ii) Procedure for sanctioning loans :
Loan proposals sourced by the BC-CSPs will be sanctioned by the Bank officials only - either at the Link branch or at Rural Central Processing Centres (RCPC) where the relative Link branch is attached to a RCPC. We have already set up about 316 RCPCs and have plans to cover all the districts.
(iii) Coverage of RRBs under CBS platform:
Out of the 17 Regional Rural Banks sponsored by the Bank, f ive RRBs are already under CBS. The CBS connectivity has been extended to 1,365 branches out of the total 2,607 branches of all RRBs. The RRBs cover 124 districts and have opened 18.76 lac FI accounts. The entire network of RRBs are proposed to be covered under CBS by September 2010.
B. TECHNOLOGY EMPLOYED
All products offered through Business Correspondent (BC) channel will be technology enabled.
Considering that the technologies are still evolving, it is the policy of the Bank to pilot all available technologies, subject to Proof of Concept.
At present, we are employing three types of technologies:
_ Card and Point of Sale (PoS) device with M/s A Litt le World Pvt. Ltd. and M/s Fino as technology providers. Customer identif ication is through biometrics. This technology offers the benefit of ‘off line’
transactions.
_ Cell Phone messaging system based accounts with M/s EKO as the technology vendor. Security is provided by PIN. Transactions are put through ‘on line’. There is no capital investment for the agent of BC
except for the mobile phone.
_ Internet Kiosk bank based accounts works with a technology which was developed by the Bank. Security is through biometrics and the transactions are ‘on line’. Common Service Centres will be leveraged as BCs and operate on the SBI Internet kiosk technology to enroll FI customers.
Across all these models, the accounts are to be hosted in Bank’s CBS and the settlement between the Bank and the BC is done within 24 hours of transaction being put through in the field. Data transmission between the BC-Customer Service Point and the Bank’s CBS is seamless without any manual intervention.
_ In all these technologies, Savings Bank and Remittance products are offered. In Card and PoS based accounts, Recurring Deposit and Savingscum- Overdraft products are also offered. More products are being developed for this channel.
_ Micro ATM, i.e., front end hand held device to be introduced by UIDAI. The PoS machines used by our BCs conform to these standards.
Priority to be given to kiosk banking as it is cost effective and online.
Strive to reduce cost and look out for new and better technology.
Operational convenience, security and cost and online connection to be factors to decide on technology.
Process of vendor selection, infrastructure arrangement, cost structure and fees, etc., Technology vendor selection. First instance through tender. Second round has been on a pilot basis to extend outreach in view of vendor capacity limitat ion. As of now, our approach has been to have 3 types of technology in the front end, to be interfaced with our uniform CBS backend. This policy is proposed to be pursued till the proposed plan period of March 2013. Infrastructure will be as per the technology needs. We shall pursue our existing approach of cost optimizat ion as an important factor of our technology / infrastructure choice. Technology fees to vendors have been mapped against the tender discovered prices so far and has been
further optimized through periodic discussions / negotiations, as also cheaper front end options introduced (like chip less cards) to follow through the plan period.
C. PRODUCTS
The following products are presently available for F.I. customers:
Through Branch Channel
_ No Frill Savings .Bank Account
_ General Credit Cards.
_ Kissan Credit Cards.
_ Other products within the overall ceiling for balance in the accounts as
stipulated by RBI.
Through CSP of BC
_ SBI Tiny Smart Card Accounts, features as applicable to No Frill Account.
_ SBI Tiny RD Card Account – with special features of flexi payments.
_ SBI Tiny O/D account with facility of O/D with maximum limit of Rs
25,000/-.
_ Remittances.
Electronic Benefit Transfer
_ All the savings bank accounts opened through the BCs are enabled to receive credits from the Governments under Electronic Benefit Transfer (EBT).
_ We have enrolled about 26 lakh benef iciar ies across 5 States for receiving Government benefits.
_ Revenue models for these projects are being discussed by us with the State Governments and Ministry of Rural Development, Govt. of India and once a cost effective revenue model is finalized (by charging either the remitt ing Governments or the benefit receiving customers), we propose to participate in the EBT projects of all State Governments.
_ All the existing products will be continued to be made available and suitable other product(s) also developed depending on the demand and usage.
D. REVIEW MONITORING AND EVALUATION
Presently, the following system is in vogue for monitoring and evaluat ion of the Financial Inclusion initiatives and their progress-
The performance vis-à-vis targets set for the various FI activit ies is reviewed at various levels beginning from the RBOs to Circles and Corporate Centre through structured monthly reports.
Reporting as required by RBI is submitted at periodic intervals.
Periodic reviews are put up to the top management at Corporate Centre and observations / action plans conveyed to Circles for implementat ion.
The Monthly CENMAC presentat ion also includes the performance on FI activit ies.
The performance of the Business Correspondents / Business Facilitators is also reviewed by the ECCB once a year.
The progress is also reviewed in the per iodic meet ings / seminar with the Circle Rural Business Heads.
Special posts have been created in the Rural Business Group for monitoring and managing the FI Init iat ives and Outreach Channels like Chief Manager (Rural) in the Regions.
The monitoring and evaluation mechanism will be f ine tuned to meet the requirements under the current FI plan.
Control of Business Correspondents:
Control of Business Correspondents, at present, is with the Bank (Rural Bus iness Group). A dedicated cadre of Channel Managers / Channel Management Facilitators reporting to Chief Manager (Rural) at Regions monitors and mentors the BC-CSPs. Over all command of the outreach channel is vested with Asst. General Manager / Dy. General Manager (Rural Bus iness) at Local Head Offices.
_ Performance of individual CSPs is being monitored through Channel Management Software (CMS) which is also a tool for payment of commission to the BCs.
_ At present, Bank is engaging the BCs, both individuals and organizat ions, directly. Depending on the geographic spread of the BC, they are classified as national or regional BCs. BCs with presence across more than one Circle are national BCs and these are being engaged by Rural Bus iness Group at Corporate Centre. BCs with presence only in one Circle are engaged by Rural Business Units at Local Head Offices.
Detailed instructions on the criteria and selection process are put in place.
_ Considering that the number of BCs and their CSPs is expected to go up substantially in the coming years, we are examining the possibility of outsourcing the activity of BC management.
E. STRATEGY FOR URBAN CENTRES
Our Bank has a strategy to implement FI activit ies in the urban areas also with the help of technical support. A beginning has been made in Delhi and Surat; this will now be extended sizably.
Remittance is a major service targeted for the migrant labour. Relaxed KYC as permitted for FI accounts opened through CSPs of BCs by RBI is followed. The UID project is expected to further ease KYC conditions.
Remittances corridors are being mapped to ensure that the migrant labour is benefited from the service at affordable cost. A remittance facility from Customer Service Point (CSP) of Bus iness Correspondent (BC) to another CSP of the same platform has been implemented in 6 districts of Delhi and 5 districts of Bihar. Similar ly, a facility of remittance from BC to CBS branch will be piloted during the f irst quarter ending June, 2010. The facility will be extended in mult iple centres progressively.
‘No Frills’ accounts are also offered through our Urban Branches.
F. EVALUATION OF FIELD STAFF ON FI PERFORMANCE
It is proposed to give suitable targets to the Branch Managers, Chief Manager (Rural), and AGM of the Regions on FI activities and evaluate their performance in their Annual Appraisal reports.
G. INTEGRATION OF FIP WITH BUSINESS PLAN OF THE BANK
The various init iat ives for Financial Inclusion and the Targets to be achieved in the next three years will be dovetailed into the Bank’s Annual Budgetary Plans and suitable targets given to each Circle. The FIP will also be a part of the Annual Policy guidelines.
H. FINANCIAL LITERACY
The broad objective of the Financial Literacy and Credit Counseling Centres (FLCCs) is to provide free financ ial literacy / education, credit counseling and creating awareness among the public regarding their r ights and duties in respect of banking services. The RBI has advised all the banks to set up FLCCs in their lead districts in a phased manner to cover all segments of the society. The modalit ies to set up FLCCs in our lead districts, as per the guidelines issued by the RBI, are being worked out. We propose to set up 100 FLCCs in our lead districts in the next 3 years. We have advised the District Coordinators and Lead District Managers to take up the task of Financial Literacy through the Village Panchayats and other Govt. Officials in the Rural Development Depts.
I. BUSINESS LEVELS:
_ Based on the sourcing capacity being created and enhanced processing capacity (branches and RCPCs) being built up, we expect the business levels of Rural Bus iness Group will be as under by March 2013.
_ Aggregate Deposits of this form Rs.5,20,000 crores
Retail personal segment Rs.2,40,800 crores
Small & Medium Enterprises Rs.1,05,000 crores
Agr iculture Rs. 30,000 crores
_ Aggregate Advances of which Rs.2,81,000 crores
Retail loans to P segment Rs. 98,000 crores
(including Rs.4,500 crores Educational
Loans and Rs.25,000 crores Housing
Loans)
Loans to Small & Medium Enterprises Rs. 61,000 crores
Agr iculture Rs.1,22,000 crores
The revised Financial Plan for 2011-2013 is recommended for approval. The revised plan will be advised to RBI after approval.
DEPUTY MANAGING DIRECTOR
Rural Business Group, & GROUP EXECUTIVE
Corporate Centre, Mumbai (RURAL BUSINESS)
10th June 2010
Annexure A
Quantitat ive aspects to be covered in the FIP and the year-wise plan:
(Rs. in crores) (No. of units in lacs)
Sr.No. Target (Number) 2011 2012 2013
1. No. of new No Frill accountsthrough branches 20 25 30
and through CSPs of BCs [ Targets for 2010-11
enclosed: Annexure A(1)(a) Branch Channel
Annexure A(1)(b) Technology Channel
Annexure A(1)(c) Urban & Metro Branches ]
2. No. of households to be provided with
KCC/GCC/OD in SB A/cs ( Plan to cover all 8 9 10
households in each selected village )
3. No. of villages to be provided with banking
Services- (Actual)
Villages with population more than 2000 11943 - -
Villages with populat ion less than 2000 38057 25000 25000
Total [ Annexure 3(A) ] 50000 25000 25000
4. No. of households to be covered 60 70 70
250 accounts per RUSU branch
5. No. of BCs/CSPs to be engaged
(Actual) 8000 8000 8000
6. No. of new Branches
(Actual) 550 550 600
7. No. of SHGs to be credit linked
[ Annexure 7 ] 350 400 450
8. New Business to be generated
through the plan, viz., Deposits, 750 750 900
Advances, (Rs. In Crores) 750 1250 2000
9. Micro Insurance – Grameen Shakti through
SBI Life To increase from 5% of SHG members covered to 10%.
10. Remittances through CSPs Remittance corridors in 15 locations with linkage in remote areas to be developed.
11. Govt. Benefit Payments Depending upon acceptable commercials, EBT be attempted to be serviced for all Central / State Govts.
12. Enabling Accounts for receiving EBT
All accounts opened through CSPs to be enabled to receive EBT.
13. Leveraging UID UID will be leveraged when introduced, suitably.
14. New Products
To continue to develop suitable products for F.I. depending on demand and experience.
The No Frill accounts opened and operated through CSPs could be through Smart Card, kiosk banking, cell phone based messaging system or through any other approved technology.
All the FI accounts opened at the Branches or through CSPs of BCs will be opened as SB OD accounts. Need based limits upto Rs.25000/- can be sanctioned for these accounts.
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