"The homam was excellent, and I felt as if I was present there, while seeing the VCD of the homam"
_Chellamuthu,Canada

Credit cards
VISA, MASTER CARD, AMERICAN EXPRESS, DINERS CLUB, CITIBANK E-CARDS and JCB CARDS
Indian Customers pay in Indian Rupees:
CCAvenue accepts all Visa and MasterCard. No US $ billing is necessary on any credit card issued in India . Your Indian customer does not have to allocate US$ resources for a CCAvenue transaction, from their BTQ of US$ 5000 sanctioned by the Reserve Bank of India . They are also exempt from paying high and random foreign exchange rates charged by banks for US$ transactions.
•  Customers from outside India pay in their local currency, as billed by their credit card issuing institution.
American Express: The world's favorite card. More than 57 million cards in circulation and growing! Around US $ 123 billion was spent last year through American Express Cards and it is poised to be the world's No. 1 card in the near future. In a regressive US economy last year, the total amount spent on American Express cards rose by 4 percent. American Express cards are especially popular in the U.S., Canada, Europe and Asia and are used widely in the retail and everyday spend categories.
Citibank E-Cards: Citibank has launched a new initiative Citibank eCard to promote safe and secure E-shopping. Like a regular credit card but without a physical plastic, it is India 's first web credit card. The Citibank eCard can be used for all types of Internet shopping and transactions through telephone and mail order. You can also do all transactions available on Internet Banking, including utility bills and ordering a demand draft.
Diners Club International: The world's No. 1 Charge Card. Diners Club cardholders reside all over the world and the Diners Card is an old corporate favorite. There are more than 8 million Diners Club cardholders. They are affluent and are frequent travelers in premier businesses and institutions, including Fortune 500 companies and leading global corporations.
JCB Cards: The JCB Card has a merchant network of 10.93 million spanning 189 countries. It is supported by more than 320 financial institutions worldwide and serves more than 48 million cardholders in 18 countries. The JCB philosophy of "identify the customer's needs and please the customer with Service from the Heart" is paying rich dividends as their customers spend US$43 billion annually on their JCB cards.
MasterCard: MasterCard International is a global payments company with one of the most recognized and respected brands in the world. With 32 million acceptance locations, no payment card is more widely accepted globally than MasterCard. Last year, MasterCard handled transactions worth US$285 billion.
VISA: The world's most preferred card. There are more than one billion cards in circulation, with unsurpassed acceptance in more than 150 countries. Visa-branded cards generate US$2.4 trillion in annual card sales volume. Nearly half of this in US alone.
Net Banking

CCAvenue.com allows e-merchants to extend and integrate their websites to this payment gateway facility, and to accept payment from their customers. This is done by directly debiting from the customers' online account in any of the following banks/divisions.
Indian Banks:
Centurion Bank of Punjab
In 2005, the Bank of Punjab and Centurion Bank merged to create the 5 th largest bank private sector bank in India . The merger combines Centurion's network in the South and West of India and Bank of Punjab's in the North to give it an impressive nationwide presence of 240 branches, 386 ATMS and 2200000 customers. The banks complementary strengths give them a strong standing in the SME's, Agriculture and Retail segments.
Citibank: Citibank is a member company of Citigroup, the largest and the most diversified provider of financial services in the world. With its 103-year old history, it is one of the leading international banks with a history of innovation and customer service and an outstanding track record of business milestones.

In India , it was the pioneer in consumer banking - the first to introduce focused consumer lending programs and electronic banking - has made significant investments in technology.
HDFC Bank:Established in August 1994, HDFC (Housing Development Finance Corporation) Bank Limited offers a wide range of commercial and transactional banking services and treasury products to wholesale and retail customers. This includes working capital finance, trade services, transactional services, cash management etc. It also is a leading provider of structured solutions, which combine cash management services with vendor and distributor finance for facilitating superior supply chain management for its corporate customers.
ICICI ePayments Ltd.:ICICI ePayments Ltd., a subsidiary of ICICI Ltd., (www.payseal.com) is dedicated to providing secure electronic commerce payment solutions. It is the first company in the Asian region to incorporate Visa International's Global Authentication Payment Mechanism. This is a 3-D secure protocol, which makes it mandatory for the card holder to punch in not only his PIN number, but also a special log-in ID and a password which will enable banks to identify and trace the point of origin of the transaction.
IDBI Bank:
IDBI Ltd, the tenth largest development bank in the world. It is India 's youngest and one of the fastest growing new private sector banks and has promoted world class institutions in India . The Bank has surged ahead from strength to strength and is fast transforming into a technology led, service driven financial services marketing company with managed with intellectual integrity.

IndusInd Bank:IndusInd Bank Ltd., one of the fastest growing new generation private sector banks in India, started operations in 1994 and has a networth of Rs 829 crore as at March 31st 2005. Driven by technology, IndusInd Bank has taken steps to establish and upgrade its support systems for the introduction of retail banking products and alternative delivery channels, while continuing to expand its network of branches.
Kotak Mahindra Group:Kotak Mahindra Group is one of India's leading financial institutions, offering complete financial solutions that encompass every sphere of life. The group has a net worth of over Rs.1,800 crore and employs over 4,400 employees in its various businesses. With a presence in 82 cities in India and offices in New York, London, Dubai and Mauritius.
Oriental Bank of Commerce

Oriental Bank of Commerce was established on 19th February 1943. It was founded by Rai Bahadur Lala Sohan Lal in Lahore but four years was later moved to Amritsar due to the partition.

63 years later, with a customer base of 8.3 lakhs the Oriental Bank of Commerce has a stronghold on two different spheres in the industry – the traditional public and the modern private sector.

Punjab National Bank (PNB) :Established in 1895 at Lahore , undivided India, Punjab National Bank (PNB) has the distinction of being the first bank to have been started solely with Indian capital. From its modest beginning, the bank has grown in size and stature to become a front-line banking institution in India at present. Punjab National Bank (PNB) is today, serving over 3.5 crore customers through 4497 offices, largest amongst Nationalized Banks.
The Federal Bank Ltd:The Federal Bank is a regional giant one with strong national presence and global reach . From its humble beginning as Travancore Federal Bank Ltd. almost 5 decades ago, Federal Bank has grown to become India 's largest private sector bank and is now the largest scheduled commercial bank in Kerala.

The Bank has emerged into a financial supermarket giving the customers a range of products and services. It has the full range of delivery channels including Internet Banking, Mobile Banking and Alerts, Any Where (Branch) Banking, Interconnected Visa enabled ATM network.
UTI Bank: UTI Bank was the first of the new private banks to have begun operations in 1994, after the Government of India allowed new private banks to be established. The Bank was promoted jointly by Unit Trust of India, the largest mutual fund in India, Life Insurance Corporation of India (LIC) and General Insurance Corporation Ltd. and its four subsidiaries viz. National Insurance Company Ltd., The New India Assurance Company, The Oriental Insurance Corporation and United Insurance Company Ltd.








































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-Sivakumar,u.s

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