February 19, 2024

Brand equity

Brand equity refers to a value premium that a company generates from a product with a recognizable name when compared to a generic equivalent. Companies can create brand equity for their products by making them memorable, easily recognizable, and superior in quality and reliability. Mass marketing campaigns also help to create brand equity. When a company has positive brand equity, customers willingly pay a high price for its products, even though they could get the same thing from a competitor for less. Customers, in effect, pay a price premium to do business with a firm they know and admire. Because the company with brand equity does not incur a higher expense than its competitors to produce the product and bring it to market, the difference in price goes to their margin. The firm’s brand equity enables it to make a bigger profit on each sale. What Is Brand Equity? Brand equity is when a company generates a value premium from the recognition of a product or brand name. The idea is that when a product is highly recognisable and has positive associations, consumers attribute more value to the corresponding brand. This kind of exemplary branding creates value for the product because it creates an organic channel for exposure, which means the brand has a high mental recall with consumers. Benefits Of Developing Equity For A Brand It can charge higher prices-A company without strong equity for its brand may need to charge consumers the benchmark, or market average, price for its products. When a brand has strong equity, it can charge higher prices than its competitors. Consumers are more willing to pay a higher price for a product if it comes from a brand they trust. It can acquire a greater market share- A company with strong equity for its brand can acquire a greater market share than its competitors. This benefit is especially useful in oversaturated industries that have hundreds of businesses that offer the same or similar products. When a brand acquires a greater market share, it can have a more meaningful impact on its target audience. It may also invite more investing opportunities from interested parties and allow for lucrative collaboration possibilities. It can expand its product line- Once a brand has strong equity, it can consider expanding its product line. Consumers may be more willing to try a company’s latest offerings if they already have strong faith in its current offerings. By expanding its product line, a company can appeal to a more diverse audience and increase its profit margins. Types Of Metrics To Measure Equity For A Brand Consumer metrics: You can track consumers’ sentiments and purchasing behaviours through the results of social media monitoring and customer surveys. Strength metrics: You can measure the strength of a brand by monitoring the brand’s licensing potential, retention, accessibility and the customer loyalty it garners. Financial metrics: Financial metrics like customer acquisition costs, customer retaining costs, revenue and profitability can also help measure a company’s equity. How To Build Equity For A Brand 1. Create better brand awareness- One of the easiest ways you can build equity for a brand is to create better brand awareness. Ensure that the brand’s target audience is familiar with the brand and does not forget about its offerings. One way to create brand awareness is to keep a brand’s use of logos and images consistent. When audiences see the same colours, font and images for a brand, they can more easily associate the visuals with the correct company. Another way to create better brand awareness is to provide great customer service. Establish a team that has the sole responsibility of answering customers’ questions and addressing their concerns. You may also create better brand awareness by providing ongoing value, maintaining customer communication via newsletters and writing an uplifting story for the brand and sharing it accordingly. 2. Relay the brand’s meaning and purpose-Another way to build equity for a brand is to communicate the brand’s meaning and purpose. Understand what physical needs the brand is trying to meet for its customers. For example, a company that sells vacuums may want to help customers clean their carpeted floors more efficiently. You can also attempt to understand and convey the psychological and social needs that a brand is trying to fulfil. The same company might be trying to reduce stress in their customers’ busy lives and create more free time for them to spend with 3. Encourage positive feelings and judgments among customers- Customers often have feelings and judgments about the products they consume and the brands with which they interact. As you are trying to build equity for a brand, you can make efforts to encourage positive feelings and judgments. You can facilitate feelings and judgments with the marketing materials that the brand releases to the public. Positive feelings you can foster include those of security, self-respect, trust, excitement and contentment. Judgments you can attempt to facilitate include those that relate to the brand’s capability, quality, credibility and superiority in comparison to its competitors. 4. Establish loyalty with the brand’s customers- You can establish loyalty with a brand’s customers by encouraging repeat purchases. Focus on communicating the product’s quality and long-term relevance so that customers show loyalty to the brand. As a result, repeat customers may act as ambassadors for the brand, sharing its benefits with their friends and family. The brand may not need to spend as much to gain new customers, as existing ones may complete some of the advertising on its behalf. FAQs How is Brand Equity Different from Brand Value? Brand equity is about consumer perceptions and loyalty, while brand value is often a monetary estimate of the brand’s overall worth to a company, including tangible and intangible assets. What Factors Contribute to Building Brand Equity? Factors include consistent brand messaging, quality products or services, positive customer experiences, effective marketing, brand associations, and emotional connections with consumers. Why is Brand Equity Important for a Business? Brand equity can positively impact a business by enhancing customer loyalty, influencing purchasing

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Unlawful Freezing of Bank Account by Banks

To comply with the Reserve Bank of India’s KYC regulations, banks must update customer identity papers in their records of account holders on a regular basis (RBI). This can be triggered by a significant change in the customer’s profile or the kind of transactions in the account, and it is dependent on the account holder’s risk profile.In this context, account holders may be asked to conduct re-KYC and submit documentation in addition to the KYC performed at the time of account opening. An account freeze prevents some bank or brokerage transactions from taking place. Typically, any open transactions are canceled, and checks presented on a frozen account aren’t honored. The account holder can still deposit money into the account, but may not be able to withdraw it. Meaning of Know Your Customer or KYC KYC, allows banks and financial organizations to confirm the identification of their clients. As a first-time investor, you only need to complete this once. Know Your Customer is a procedure in which a financial company verifies the identification of consumers and assesses their suitability, as well as the possibility of illegal objectives and actions. Money laundering is one of the most serious threats to a country’s economy. The government and financial institutions are constantly on the lookout for such unlawful activity. KYC requirements for banking or financial transactions are an excellent technique to prevent this. Importance of KYC It is a common due diligence procedure used by banks and other financial organizations to determine a customer’s identification and the risks connected with them. It assists them in ensuring that consumers are who they claim to be. In India, the Reserve Bank of India (RBI) established KYC criteria in 2002. At a high level, it was intended to safeguard regulated companies from three threats: Laundering of funds Terrorist financing Theft of one’s identity KYC is vital since it protects against financial fraud. Legal mandates to comply with KYC standards impose these safety nets on financial organizations.As a result, noncompliance can result in severe fines from market authorities, as we have seen time and again.Now we have found out the basic gist of KYC now let us see what does Re- KYC mean. Meaning of RE- KYC A RE- KYC guarantees that the papers, contact information, and other information obtained at the time of account establishment are up to date. According to RBI standards, it is done at regular periods based on the risk category of the consumer. There are three danger levels: High Risk Medium Risk and Low Risk Among the criteria that influence a customer’s categorization are their identity, social and financial standing, type of commercial activity, information about their company, and locality.Every two years, the high-risk category goes through KYC. While those at medium and low risk go through KYC every 8 and 10 years, respectively.Furthermore, customers that fall into the low-risk group are not required to visit the bank for Re-KYC. They can do it using Internet Banking, the bank’s mobile application, a Re- KYC update link supplied by the customer’s registered email ID, a Re- KYC update link provided by the customer’s registered cellphone number, SMS, or ATMs. The Re- KYC procedure includes three major steps: The consumer completes the Re- KYC form. With the Re- KYC form, the consumer sends self-attested copies of acceptable identity and residency verification. Following the first two procedures, the customer’s Re- KYC is processed in roughly 10 days Is it legal and practicable for a Bank to freeze a Bank Account? Banks are required to preserve KYC data and track their bank accounts and transactions under Rule 3 of the Prevention of Money Laundering (Maintenance of Records) Rules, 2005. It requires banks to update KYC records every two years for high-risk consumers, every eight years for medium-risk customers, and every ten years for low-risk customers. However, this results in consumer harassment because they are often asked for the same facts and verification for records. It’s acceptable to freeze the account if KYC/ReKYC documents aren’t supplied to RE’s satisfaction. Judicial Pronouncement regarding the Unlawful Freezing of Bank Accounts by banks for the pendency of Re-KYC – One may look into the case of State Bank of India vs. Ashvin Chaturbhai Parmar before the Gujarat High Court for a better understanding of the Unlawful Freezing of Bank Accounts by banks for the pendency of Re-KYC. Facts of the Case: The respondent’s bank account was stopped by the bank in this case because the KYC criteria were not followed. A petition was subsequently filed with the Gujarat High Court, which ruled that the bank had no power to freeze the account or terminate the chequebook and ATM service owing to noncompliance with KYC criteria. Judgment of the Case: The court ruled that the bank had the authority to shut the account with prior warning and notification to the client that if the papers were not supplied, the account would be closed in accordance with due process. The bank had asked the court to reconsider the ruling since freezing the account is more practicable than shutting it totally. The court then reviewed the order and determined that freezing the account is not more feasible than closing the account because the customer is deprived of his own money while the account is frozen, and any cheque drawn on him during that period will land him in a criminal suit for cheque dishonor, despite having sufficient funds with himself to honor the cheque. In court, the bank was cautioned not to improperly freeze any accounts in the future, as doing so would result in harsh action by the Reserve Bank of India and the Banking Ombudsman. This decision exposed several critical flaws with the KYC process. This shields clients against recurrent pestering by bank workers for submitting KYC documents, even when they have already done so. Despite the fact that the aforesaid verdict provided relief to clients, banks continue to humiliate and harass their customers in order to update their KYC information. Account closure is

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SBI Current Account

The State Bank of India (SBI) was established in 1806, making it one of the country’s oldest banks. The bank’s mission is to provide India’s citizens with innovative and responsive financial solutions that are simple and efficient. With its operations spanning over a millennium, SBI has evolved and branched out in terms of the services that it offers its customers. While it still has several traditional financial instruments, the bank also offers its customers products like insurance and mutual fund investment opportunities. The current account is one of the many products that SBI offers its customers. A current account is a type of bank account that is most commonly used by businessmen, retail merchants, and other individuals who require liquidity. The nature of their profession requires carrying out a large number of financial transactions each day and usually involves large sums of money being deposited and withdrawn. Unlike a savings account, a current account has higher limits with reference to the number of transactions permitted in a day. Keeping in mind all of these factors, SBI has developed the SBI Current Account. State Bank of India (SBI) is India’s largest state-owned public sector banking company. This bank has played a vital role in establishing the regulated banking sector in India as it offers a vast network of current account banking products and services to individuals as well as businesses. A current account is a type of demand deposit account which provides unlimited transactions depending upon the balance maintained in the account. A current account can be opened by entrepreneurs and professionals who deal with large transactions on a regular basis. Features and Benefits – SBI Bank Current Account SBI current account offers a premium internet banking facility with complimentary personal accident insurance. Initially, a low minimum average balance can be maintained. It also offers an overdraft facility based on one’s credit history. ATM transactions are free for the initial year and annually chargeable for subsequent years. Interest for deposit amounts doesn’t hold any interest. Based on credit history, overdraft facility is available too. Current accounts do not provide any interest on the balance lying in current accounts with the bank. The account can be transferred to any other branch, and monthly statements can be obtained for the same. Multi-city cheque books are given with account opening, and nomination facility is also accessible. SBI Bank Current Account Products State Bank of India (SBI) offers various types of current account products based on the profile of entrepreneurs that can serve the requirements of different businesses. Entrepreneurs or business entities can select the product from the below list that suits their business requirements. The below list are the SBI current account variants. Normal Current Account Power Gain Current Account Power Pack Current Account Power PoS Current Account Surbhi Current Account Power Jyoti Current Account Power Jyoti Pul Current Account S.No. SBI Current Account SBI Current Account Minimum Monthly Average Balance (MAB) Non – Maintenance Charges Cash Deposit Requirement Cash Withdrawal Home Branch Non-Home Branch 1. Regular Current Account Rs. 10,000 per month Non-Rural – Rs. 5,000 Rural – Rs. 2,500 Free Cash Deposit up to Rs 25000/- per day of maintained MAB.   Unlimited (Free) Free Up to Rs. 50,000. 2. Power Gain Current Account   Rs. 2,00,000/- Rs. 500/- +GST Per Month Free Cash Deposit up to Rs 15,00,000/- per month of maintained MAB Unlimited (Free) Rs 1,00,000/- per day 3. Power Pack Current Account Rs. 5,00,000 per month Rs. 2500/- +GST Per Month Free Cash Deposit up to Rs 60,00,000/- per month of maintained MAB Unlimited (Free) Up to Rs. 50,000 Free. 4. Power PoS Current Account   Rs. 5,000 per month Rs. 500/- +GST Per Month Free Cash Deposit Up to Rs 25000/- per day of maintained MAB Unlimited (Free) Free Up to Rs. 50,000. 5. Surbhi Current Account   Rs. 10,000 /- per month Rs  500/- +GST Per Month Free Cash Deposit Up to Rs 25000/- per day of maintained MAB   Free Up to Rs. 50,000. 6. Power Jyoti Current Account   Rs. 50,000/- per month Rs. 1000/- + GST Rs. 60/-  + GST per transaction. Rs. 60/-  + GST per transaction. Rs. 60/-  + GST per transaction. 7. Power Jyoti Pul Current Account   Rs. 50,000/- per month Rs. 1000/- + GST Rs. 60/- + GST per transaction. Rs. 60/- + GST per transaction. Rs. 60/- + GST per transaction. Normal Current Account- This current account fits entrepreneurs or traders who deal with the small businesses can open this current account in SBI along with basic facilities at a nominal cost. A number of multi-city cheque leaves – first 50 Multi-city cheque leaves free in a financial year. Debit card charges – Free ATM/ Debit card for the first year. A number of total NEFT transactions (via Net Banking/ Mobile banking) – Transaction Amount up to Rs. 10,000 will cost Rs. 1/-. Number of total NEFT transactions (At Branch) – Transaction Amount up to Rs. 10,000 will cost Rs. 2.50/- + GST. RTGS transactions (via Net Banking/Mobile banking) – From Rs. 2 Lacs to Rs. 5 Lacs: Rs 5/- including GST. RTGS transactions (At Branch) – From Rs. 2 Lacs to Rs. 5 Lacs: Rs. 25 including GST. Demand Draft charges – Up to Rs. 5000: Rs. 25/- includes GST. Power Gain Current Account-This current account fits the Premium Businessmen, Professionals, Traders etc. i.e; those who look to expand and diversify their operations and handle bulk cash transactions. A number of multi-city cheque leaves – 200 Multi-city cheque leaves free per month. Business Debit card charges – Free Pride Business debit cards for the first year. The number of total NEFT transactions (via Net Banking/Mobile banking) – Transaction Amount up to Rs. 10,000 will cost Rs. 1/-. Number of total NEFT transactions (At Branch) – Transaction Amount up to Rs. 10,000 will cost Rs. 2.50/- + GST. RTGS transactions (via Net Banking/Mobile banking) – From Rs. 2 Lacs to Rs. 5 Lacs: Rs 5/- including GST. RTGS transactions (At Branch) – From Rs. 2 Lacs

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