Verena Girschik

Assistant Professor

Room: DH.V.2.34

E-mail: vg.msc@cbs.dk

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I am an Assistant Professor in CSR, Communication and Organization. My research explores the intra- and inter-organizational dynamics of CSR. Building on institutional and communication perspectives, I currently focus on two main areas.

1. The responsibilities of companies in the contexts of complex societal problems and humanitarian crises. Focusing on dynamics between companies, governments, NGOs, and other societal actors, my research explores how companies negotiate their roles and responsibilites, how they perform them, and to what consequences.

2. The role of internal activists in transforming companies from the inside out. I explore the intra-organizational politics of corporate responsibility by asking how internal activists work and under what organizational conditions they may thrive.

FEATURES

Features of Max Advantage Current Account


Current Account Dynamic Pricing ensures cost-efficiency at all times with increase in balances Combined Cash Deposit (Anywhere in India) – 12 times of Current Month AMB (upper cap of Rs. 75 Crs.) Cash Withdrawal (Non-home Branch) – 12 times of Current Month AMB (upper cap of Rs. 75 Crs.) DD – Unlimited DD at Bank location; Free up to Rs. 30 lakhs at Correspondent Bank Location Cheque Leaves – Free 100 cheque leaves for every Rs. 1 lakh of balance maintained Bulk Transaction – 150 transactions for every Rs. 1 lakh of balance maintained Extended Zero NMCNMC1,2 charges Free Debit Card3 Free NEFT/RTGS/IMPS transactions Digital Payment & Collection Merchant Acquiring Solution – Enjoy cashless & seamless Banking through Digital Products i.e. ME/MPOS/MEAPP/BHIM UPI/Bharat QR and Payment Gateway Digital Banking – Easy Access and transaction processing through NetBanking or MobileBanking App E-net – Digital Solution for companies to managed payments and collections Complimentary services for total convenience Transactions done through Internet, NetBanking/MobileBanking5, Branch, Email, PhoneBanking, IVR & Non-IVR (Agent assisted) and NCB SMALL FINANCE BANK ATM All Cheque based transactions i.e., Payment or Collection being local/anywhere or Fund Transfer within NCB SMALL FINANCE BANK and cheque pick-up services Insta Alert, BillPay and Standing Instructions (Set-up) Outstation Cheque Collection at all NCB SMALL FINANCE BANK branches/speed clearing Free cheque pick-up once in a day. Cash pick-up/doorstep Banking services offered at select locations Zero NMC in quarter subsequent to account opening quarter, if the customer is active on all 3 services (NB or MB, DC [ATM or POS Txn] and Bill Pay) within first 2 months of account opening. Zero NMC, if credit transaction value through Digital Products (ME/MPOS/MEAPP) is greater than Rs. 30 lakh in any quarter. Annual Fee is Free for Business Debit Card, Rewards Debit Card & Platinum Debit Card.





ELIGIBILITY

Value Based CA Current Account Eligibility


You are eligible to open Max Advantage Current Account if you fall under any of the following categories: Resident Individual Hindu Undivided Family Sole Proprietorship Firms Partnership Firms Private and Public Limited Companies





FEES & CHARGES

Value Based CA Current Account Fees & Charges


Features Value Based CA Current Account Average Quarterly Balance (AQB)Metro and Urban – ₹ 5,00,000/-
Semi urban and Rural – ₹ 2,50,000/- Non-Maintenance Charges (per quarter)Metro and Urban – ₹ 8,000/-
Semi urban and Rural – ₹ 4,000/-




CASH TRANSACTIONS


Combined Cash Deposit Limit @ any NCB Small Finance Bank Branch - (Monthly Limit)Free 12 times Current Month AMB
(Upper Cap - ₹ 75 Crs)
Charges @ ₹ 3/- per ₹ 1,000/-, minimum ₹ 50/- txn beyond free limits
Operational Limit for Cash Deposit @Non-Home Branch (per day)₹ 5,00,000/- Cash Withdrawal Limit @ Home BranchFree Cash Withdrawal Limit @ Non Home Branch - Monthly LimitFree 12 times Current Month AMB
(Upper Cap - ₹ 75 Crs)
Charges @ ₹ 2/- per ₹ 1,000/-, minimum ₹ 50/- per transaction beyoond free limits




NON- CASH TRANSACTIONS


Intercity Cheque Collection/Payments & Fund TransferFree Total Transactions - Monthly Free LimitFree 150 txns for every slab of ₹ 1 lac of current month AMB balance maintained.
(Upper Cap - 3000 txns)
Charges @₹ 25 per transaction beyond free limits Cheque Leaves - Monthly Free LimitFree 100 cheque leaves for every slab of ₹ 1 lac of current month AMB balance maintained. (upper cap - 2000 cheque leaves)
Charges @₹ 2 per leaf beyond free limits Speed Clearing
(per instrument charges)Free Outstation Cheque Collection @ Bank Location
(per instrument charges)Free Outstation Cheque Collection @ Correspondent Bank Location (per instrument charges)Upto ₹ 35,000 - ₹ 50/-
₹ 35,001- ₹ 1,00,000- ₹ 100/-
Above ₹ 1,00,000 - ₹ 150/- Outstation cheque collection @ Clean Location
(per instrument charges)Upto ₹ 25,000 - ₹ 50/-
₹ 25001- ₹ 1,00,000- ₹ 100/-
Above ₹ 1,00,000 - ₹ 150/- Demand Drafts (DD)/ Pay Orders (PO) @ Bank LocationUnlimited Free Demand Drafts (DD) @ Correspondent Bank locationFree upto ₹ 30 Lacs per month.
Charges @₹ 1.50 per ₹ 1000/- ; Minimum ₹ 50/- per instrument beyond free limits




ELECTRONIC TRANSACTIONS


NEFT PaymentsFree through branch & Netbanking RTGS PaymentsFree through branch & Netbanking IMPS PaymentsFree NEFT / RTGS / IMPS CollectionsFree DEBIT CARD Debit CardFree Business Debit Cards ATM Txns (@ NCB Small Finance Bank ATM)Unlimited Free ATM Txns - Financial & Non-Financial
(@ Non- NCB Small Finance Bank ATM)Maximum of 5 Txns Free in a month with a cap of Maximum 3 free txns in Top 6 cities @ Non-NCB Small Finance Bank ATM
(Txns done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities)




ACCOUNT CLOSURE CHARGES


Closure: Up to 14 daysNo Charge Closure: 15 days to 6 months₹ 2,000/- Closure: 6 months to 12 months₹ 1,000/- Closure: Beyond 12 monthsNo Charge Note: Free limits across Cash Deposit/ Withdrawal/ Total Transactions/ Cheque leaves/ DD & PO will lapse if AQB maintained is less than 75% of required product AQB.





© 2019 by Centre for Business and Development Studies

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