IDBI BANK PROJECT REPORT

8/12/2019 IDBI BANK PROJECT REPORT

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A RESEARCH PROJECT ON

COMPREHENSIVE STUDY OF IDBI

SUBMITTED IN THE PARTIAL FULFILLMENT FOR THE REQUIREMENT OF

MASTERS DEGREE IN BUSINESS ADMINISTRATION

UNDER THE GUIDANCE OF: SUBMITTED BY:

Mrs. SHELLY GOSSAIN AANCHAL NARANG

Lecturer, MBA deprt!e"t MBA#$%#&%

Mr. S.'. NARANG

Pr()ess(r, MBA deprt!e"t

N.C. COOLEGE OF ENGINEERING, ISRANA, PANIPAT

(KURUKSHETRA UNIVERSITY, KURUKSHETRA)

&
http://images.google.co.in/imgres?imgurl=http://www.idbi.com/images/logo.gif&imgrefurl=http://www.idbi.com/&h=127&w=236&sz=10&hl=en&start=4&tbnid=ZvgJaMxDP5yfTM:&tbnh=59&tbnw=109&prev=/images%3Fq%3DLOGO%2BOF%2BIDBI%26svnum%3D10%26hl%3Den%26lr%3D%26sa%3DG


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*


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INDE+

S NO. TOPIC PAGE NO.

& E+ECUTIE SUMMARY

%

* INTRODUCTION OF COMPANY -

INTRODUCTION OF STUDY &&

/ OB0ECTIE OF STUDY /1

% RESEARCH METHODOLOGY /-

1 ANALYSIS 2 INTERPRETATION /3

- ADANTAGES %&

4 LIMITATIONS %*

3 SUGGESTIONS %

&$ CONCLUSION 2 FINDING %/

&& RESEARCH METHODOLGY %%


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ACKNOLEDGEMENT

It 5s 6ret e7per8e"ce () u"der6(8"6 58"ter pr(9ect (" :COMPREHENSIE STUDY OF IDBI;. I

6(t c(ut IDBI "d 8ts stre"6t


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E!ECUTIVE SUMMARY

T"8"6 5


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IDBI 8s =eder 8" F8=! F8""c8"6; s8e () te =ess tced >? c(!p=et8(" 6ur"tee. A"d

=st ?er dec8ded t( d(u>=e 8ts e7p(sure =8!8t t( Rs * >8==8(".

It 8s t


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INTRODUCTION OF THE COMPANY

T(d?Ks IDBI 8s ("e () t" "d "(5 s )u== ser@8ce

c(!!erc8= >".

Hedurters 8" Mu!>8, t? pr=8!e"t s 5" () I"d8, 5


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IDBI set up t8==8(" 8" 8ts )8rst 8"8t8= ())er8"6 IPO () eu8t?, tec!e t".

4


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SUBSIDIARIES

IDBI CAPITAL MAR'ET SERICES LIMITED

IDBI HOMEFINANCE LTD

IDBI INTECH LTD

3
http://www.idbi.com/idbi/ICMS.asphttp://www.idbi.com/idbi/iill.asphttp://www.idbi.com/idbi/intech.asphttp://www.idbi.com/idbi/iill.asphttp://www.idbi.com/idbi/intech.asphttp://www.idbi.com/idbi/ICMS.asp


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BRANCH NETORK

NO OF BRANCHES

METRO &13

URBAN &*

SEMI URBAN 4%

RURAL /1

INTRODUCTION OF THE STUDY

&$


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T(ut stud?8"6 IDBI BAN'. T


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RETAIL BANKING

RETAIL BANKING8s t?p8c= !ss!ret >"8"6 5


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ttrct8@e 8"terest rtes 8" t"8"6 "?t8!e, "?5ut

=s( ==(5s t( s@e !(re !("e? 5r"c< >"8"6, e=ectr("8c )u"ds tr"s)ers, "t8("= c=er8"6 8" &% c8t8es, */7- cs8t crd

C((

&-


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I"ter"et B"8"6 )c8=8t?

d) ($NSI!N A!"NT

IDBIJs Pe"s8(" Acc(u"t 68@es t Acc(u"t s@8"6s cc(u"t ts(=ute=? e=e!e"tr? 8" 8ts ppr(c< "d 58t< " @er6e urter=? >="ce reu8re!e"t

() 9ust Rs *%$.

SALIENT FEATURES OF SABKA ACCOUNT

&4
http://www.idbi.com/products/pensionaccount_features.asphttp://www.idbi.com/products/pensionaccount_features.asp


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L/ 5+49+ ;&4%+40 *0-+

M(der" >"8"6 )c8=8t8es 58t< IDBIKs S> Acc(u"t 58t< 9ust Rs *%$.

D+*#% -&3 ATM C4' ' C"+;&+ B8

Get " ATM cu! De>8t Crd "d c(( (" reuest t "(!8"= c S@8"6s Acc(u"t t


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R+-&44#9 D+1$#%$

T? 8"@est8"6 s!== !(u"t s =(5 s Rs %$$ e@er? !("t cc(u"t, >ut 8s "(t >=e t( )ur"8s< == t


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a)!-$ *!ANS

Cust(!er c" @8= () tu8=t

et5ee" F=(t8"6 (r F87ed 8"terest rte

EMI (" !("t


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IDBI re=8e


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ce

p8d >? t, te ())ered s =(" 68"st s(!e

!r68" !("e? c(==ected )r(! te c


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L(" 68"st 'PKs

L(" 68"st s("ds

L(" 68"st !utu= )u"d u"8ts

?.) PAYMENTS

a) Tax (ayment

I"d8@8du=s c" p? t8=e p


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.Tecet5ee" Rs *$$ t( Rs %,$$$, depe"d8"6 (" ?(ur reu8re!e"t "d ?(ur >ud6et.

c) $lectronic bill payment

N( !(re ueues t p


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B++2#%$

C=eAtPr ce tr"s)erred 58t


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@.) INVESTMENT

DEMAT ACCOUNT

INESTMENT SERICES

a) 'emat account

Pper secur8t8es re psse. E"ter tr"c >r(ers

o +)Investment services


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Super8(r "d sust8"ed retur"s 58t< t86


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IDBI >r8"6s B8r= Su" L8)e I"sur"ce, ("e () tr"c


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t(


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E7c=us8@e Pre)erred >"8"6 !8= 8d

I"ter"et B"8"6

M(>8=e B"8"6 2 SMS =erts

.) NRI SERVICES

IDBI ())er >s8c NRI >"8"6 pr(ducts =8e N(" Res8de"t Rupee C"8"6 pr()ess8("=s t( 8t Crd 8s des86"ed t( ())er t

tr"c< cr(ss I"d8.

&


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.) INSTITUTIONAL BANKING

INSTITUTIONAL SAING

CORPORATE PAYROLL ACCOUNT

CITIENIDBIBAN'

INSTIT"TI!NA* SAVING

Ts

Educt8("= I"st8tut8("s Sc


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Access ?(ur cc(u"t )r(! "? IDBI >r"c< cr(ss tet5ee" cc(u"ts.

D-&3+% P#-8&1 ' D+0#5+4=IDBI represe"tt8@e 58== de=8@er "d p8c up d(cu!e"ts )r(! (ur dr(p >(7 p=ced 8"

cust(!er pre!8ses, s( t


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!#(!#AT$ (A/#!** A!"NT

B4#9 +$+ % $04 '#$*&4$+3+%

e=c(!e t( 5(r=dc=ss >"8"6 t IDBI.

Gr(58"6 s=es "d sc=e () (pert8("s, c("tr(==8"6 c(sts, !"68"6 e!p=(?ee tur"(@er

re s(!e () t@ HOURS BANKING

PHONE BAN'ING

INTERNET BAN'ING

ACCOUNT ALERTS

SMS BAN'ING

6.) CARDS

GOLD DEBIT CARD

ORLD CURRENCY CARD

/


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GIFT CARD

INTERNATIONAL DEBIT CUM ATM CARD

G!*' '$+IT A#'

IDBI prese"t ?et "(te used t( tr"sct t IDBI ATMs "d

&,$$$ ISA#P=us ATMs 8" I"d8 "d )(r !8"6 purce used >r(d t( !e

purc


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8s !(re ec("(!8c= t

>(u"d t( spec8)8c st(res 58t< 68)t @(uc


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>.) CORPORATE BANKING

A.)PROJECT FINANCE SCHEME

Pr(9ect )8""ce 8"@(=@es pr(@8d8"6 cred8t "d (t(rr(5er 58t< cred8t

rt8"6 "(r!==? () JAJ (r JBBBJ pr(@8ded deute !8t86"ts re 8" p=ce, )(r sett8"6 up

"e5 pr(9ects, e7p"s8(", d8@ers8)8ct8(" "d !(der"8st8(" () e78st8"6 8"dustr8= u"8ts.

8=8t? "d )8""c8= s(u"d"ess () t


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C.)CORPORATE LOAN SCHEME

U"der tus8"ess cu8s8t8(" 5=e

sset cret8(" 8s e"@8s6ed. T


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E.) TECHNOLOGY UPGRADATION FUND SCHEME

Turse!e"t ()

% p.. t( e=868>=e pr(9ects s"ct8("ed ss8st"ce u"der TUFS. As re6rds FC L(", G(I,

M(T pr(@8des c(@er )(r ctu= d@erse e7ce8"6 te 1$ () pr(9ect c(st. I"terest rte 5(u=d >e >sed ("

cred8t5(rt


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OBJECTIVE OF STUDY

T( stud? t


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RESEARCH METHODOLOGY

RESEARCH METHOODOLOGY re)ers t( == t


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COLLECTION OF DATA

T" t


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ANALYSIS AND INTERPRETATION

&. IDBI, s8e () te =ess tced >? c(!p=et8(" 6ur"teeIDBI B" 8s t=e 8ts e7p(sure =8!8t t(

Rs * >8==8(". IDBI, )(r 8"st"ce, )u"ds ("=? c(rp(rte 5t t( t


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BANK AMOUNT SANCTIONED COMMENTS

IDBI

E!IM

BANK

Upper =8!8t 8s * >8==8(" "d =(" c"Kt >e=ess tt t( t.) REDISCOUNTING

I'+I is the only ban0 that provides rediscounting facility to various commercial ban0s2

?.) IDBI PROMOTES VENTURE CAPITAL

//


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ADVANTAGES OF IDBI

&. Red8sc(u"t8"6 )c8=8t8es t( >" 8s ("=? pr(@8ded >? IDBI

*. Ad@"t6es () IDBI H(!e L("

F=e78>8=8t? () cced >?

c(!p=et8(" 6ur"tee. It =ed 8ts e7p(sure t( * >8==8(".

1. C8t8e"8d>8>" Or6 8s 9(8"t 8"8t8t8@e >et5ee" IDBI >" "d I"d8 sp("s(r

F(u"dt8(", 5(rs t(5rds t


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LIMITATIONS OF IDBI

6. I" cse () =(ss () 40' C&44+- C4' H0'+4 8"sur"ce c(@ers re "(t

pr(@8ded >? IDBI.

>. T=e 8" de"(!8"t8("s strt8"6 )r(! Rs &,$$$ t( Rs

*$,$$$ "d 8s @=8d )(r ("e ?er 5

prep8d crd c" >e used t !(re t=8s

. IDBI d(es "(t e7te"d =(" >e=(5 Rs / cr(re 2 d(es "(t )u"d e"t8re pr(9ect c(st.

/1


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SUGGESTIONS

Tut8(" s8de =s( =("6 58t< pr(duct8("

s8de.

IDBI s


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CONCLUSION FINDINGS

O"=? IDBI pr(@8de Red8sc(u"t8"6 )c8=8t? t( >"s

IDBI =s( pr(!(tes @e"ture cp8t=.

IDBI


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BIBLIOGRAPHY

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IDBI BANK PROJECT REPORT