Products of

Bhartiya Mahila Bank

MFSS (SB)

Anabadya Neogi
Anindya Ganguly
Bharat Paryani
Navonil Rahut
Sourabh Paul

What is new?
Woman
Centric
Positioning
Innovative
products
Insurance
Exclusively for
women - banking
needs and
promote economic
empowerment
through women's
growth and
development. Also
the governing
board comprises
primarily female
members.




Positioned as a
Bank only for
woman. Due to
the patriarchal
structure of Indian
society BMB
encourages
woman to utilize
their money
effectively and
improve financial
inclusion.




Women focused
products like loans
to day-care centres,
boutiques, and
interior decoration.
New innovative
products like
Kitchen
modernization loan,
Concessional lowest
interest rates for
women on Car loan.


New woman
focused Insurance
policies like BMB
Sakhee and BMB
Nirbhaaya which is
exclusively for rural
woman account
holders at the
lowest premium to
promote allied
social objectives
Need of Women only Bank
Financial
Inclusion
26% of woman in India have Bank accounts and hence the urgent need
for woman focused products in a woman centric bank.
Empowering
Woman
Patriarchal structure of society and hence the need to empower
woman to take care of issues like child nutrition, deaths during giving
birth to child, proper sanitation etc
Insurance
schemes
Insurance policies to take care of woman and to provide them
maternity cover, health check up and cosmetic sugery to save from acid
attacks through BMB Sakhee and BMB Nirbhaya to take care of them.
Target Market Retail and Business

Primary target segment : Indian Women
Products
Deposit Products SA, CA, RDA, FDA
Loans Both retail and business
Easy Banking - Credit and Debit cards
Insurance


Retail Loans
Loans to Students
Home Loan
Car Loan
Advance against Securities
Kitchen Modernization Loan

Business Loans
Loans to SME
Loans to SHG (Self Help
Groups)
Loans to Professionals

Insurance
BMB-Sakhee - Target Segment : Rural women in the age
range of 18 to 65 years
BMB-Nirbhaya Target Segment : Rural Women
BMB-Parivar Suraksha Target Segment : Married Indian
women with three or less dependent children
Competition by Product Differentiation
Relevant Facts
Pan India operations 25% branches in underserved or unbanked areas, centers with
significant working women population
Expansion plans 31 branches across country, 55-60 branches in current financial year
Restricted to women? focus on womens activities/products ; no restriction on deposits
Capital base base of 1000 crore, other routes to raise capital approved
Key differentiating factors :
Kitchen modernization loan
Home Loan: No limit on loan amount; Max. repayment period up to 25 years
Car loan : Concession of 0.25% to women borrowers
Savings Account : Highest ROI amongst nationalized banks
Beyond business - programs on financial literacy, skill development, training for women