Kriti Report

7/24/2019 Kriti Report

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A

SUMMER TRAINING PROJECT

REPORT

ON

CONSUMERS PERCEPTIONS ON KCC BANK LTD.

UNDERTAKEN IN

SUBMITTED TO : SUBMITTED BY:

DECLARATION

I hereby declare that I have carred !"t S"##er Tra$$% Pr!&ect !$ the t!'c e$ttled

Consumers Percepton on KCC B!n" $ Br!nc# O$$ce D#!r!ms#!%!

I ("rther declare that th) 'r!&ect *!r+ ) ba)ed !$ #y !r%$al *!r+ a$d $! 'art !( th) 'r!&ect

ha) bee$ '"bl)hed !r )"b#tted t! a$yb!dy,

&"rt"!'

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(UIDE CERTI)ICATE

Th) ) t! cert(y that +rt+a !( M,B,A, - rd )e#e)ter bear$% "$ver)ty r!ll $"#ber. /012032-1

ha) c!#'leted h) )"##er tra$$% 'r!&ect "$der #y %"da$ce,

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Pro*ect (u+e

&Pro$. Seem! C#!n+e%'

ACKNO,LED(EMENT

I- "rt"!4 MBASt"de$t $ SRI SAI UNIERSIT/ Pala#'"r ) h%hly %reat("l t! all th!)e

*h! %"ded #e $ c!#'let$% th) 'r!&ect,

5r)t !( all4 I *!"ld l+e t! 'ay #y hearte)t tha$+) t! e$tre (a#ly !( KCC BANKe)'ecally

Mr. -Bra$ch #a$a%er4 *h! 'r!vded #e )"ch a *!$der("l !''!rt"$ty t! d! S"##er Tra$$%

a$d 'r!vded ther val"able )"%%e)t!$) $ "$der)ta$d$% the *!r+ !( Re)earch Pr!&ect,

6a)t b"t $!t the lea)t4 I *!"ld l+e t! tha$+) all (ac"lte) !(SSU $!c%tes4 *h! %ave #e the

")e("l t') a$d )"%%e)t!$) re%ard$% 'r!&ect,

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7!rd) ca$ $ever e8're)) the dee' )e$)e !( %ratt"de4 I (eel (!r KCC BANK emp%o0ees-*h! ha)

bee$ a c!$)ta$t )!"rce !( $)'rat!$ a$d e$c!"ra%e#e$t (!r #e,

Krt"!

PRE)ACE

The 're)e$t era ) "$d!"btedly a #a$a%e#e$t era, Ma$a%e#e$t ) a$ #'!rta$t ("$ct!$ $ a$y

!r%a$9at!$, A #a$a%e#e$t ) !$e !( the #!)t #'!rta$t (eld) *hch are *dely ")ed $ every

)ta%e !( l(e, The e((ectve #a$a%e#e$t ca$ be acheved !$ly by e((ectve #a$a%e#e$t tra$$%

a$d devel!'$% )+ll t! "$der)ta$d the !r%a$9at!$al level th) 'r!&ect *!r+ ) a 'art !( the

c!"r)e !( MBA a$d *a) d!$e at KCC C!$)"#er Perce't!$),

Th) 'r!&ect ) 're'ared !$ the ba)) !( a*are$e)) !( KCC C!$)"#er Perce't!$) $ #ar+et a$d

"$der)ta$d$% the re"re#e$t !( 'r!'er %"da$ce t! c")t!#er),

KCC !((er) l!a$) (!r h!#e).(!r b"y$% !r c!$)tr"ct$% y!"r h!#e4 re($a$ce a C!$)"#er

Perce't!$ avaled (r!# !ther $)tt"t!$) !r eve$ t! e8te$d !r #'r!ve y!"r e8)t$% h!#e, Th)

'r!&ect hel') #e t! better "$der)ta$d$% !( #ar+et a$d ($a$cal 'r!d"ct) a$d ther be$e(t),

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N!* I a# (eel$% the %reat 'lea)"re $ delver$% th) 'r!&ect beca")e !( a better )+ll !( ha$dl$%

the )t"at!$ a$d c")t!#er "$der)ta$d$%,

INDE1

Sr.

No

C#!pter

No.

Topc P!2e

No.

I Ac"no3%e+2ement 4

II Pre$!ce 5

III E6ecut7e summ!r0 89:

;. Comp!n0 pro$%e

=. Re7e3 o$ %ter!ture =:9?=

?. Nee+- scope !n+ rese!rc# met#o+o%o20 ??9?>

4. O@*ect7e o$ t#e stu+0 ?89?:

5. D!t! !n!%0ss

!n+

nterpret!ton

?. CONC6USION AND RECOMMENDATION 595=

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Anne6ure.I &uestonn!re ' 5?95>

Anne6ure.II &B@%o2r!p#0' 5895:

EXECUTIVE SUMMARY

I have d!$e #y S"##er I$ter$)h' Pr!&ect (r!# ;KCC BANK KAN(RA. D"r$% #y

S"##er I$ter$)h' Pr!&ect< I #'le#e$ted #a$y c!$ce't) !( m!r"etn2$ the real l(e )t"at!$,

Th) 'r!&ect *!r+ hel'ed #e t! a''ly the!retcal +$!*led%e $t! 'ractcal a)'ect) !$ c!llecteddata *hch *a) a *!rthy e8'ere$ce a$d d"r$% the d)c"))!$ *th c!#'a$y %"de I real9ed

that h!* #'!rta$t the 'r!&ect re'!rt ) (!r the c!#'a$y a$d #e, I al)! real9ed h!* tea#*!r+4

%!al !re$tat!$ a$d #a$a%$% $ter'er)!$al relat!$)h') are $te%ral 'art !( 'r!(e))!$al l(e ;=

"si!ess ro$essio! &ervice &t"de!t

0

5

10

15

20

25

30

35

40

28

24

36

12

%age

age

Interpret!ton 5r!# ab!ve re)'!$)e t ca$ be )ee$ that,

3@ re)'!$de$t) Occ"'at!$ ) B")$e)),

31 re)'!$de$t) Occ"'at!$ ) Pr!(e))!$,

-/ re)'!$de$t) Occ"'at!$ ) Servce,

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03 re)'!$de$t) Occ"'at!$ ) St"de$t,

.= )rom 3#c# @!n" 0ou #!7e @!n" !ccount

C!te2or0 No. o$ Respon+ents Percent!2e

KCC Ba$+ 0 -1

Other) -- //

34

66

%age

:: a!+

;ther

Interpret!ton 5r!# ab!ve re)'!$)e t ca$ be )ee$ that

-1 re)'!$de$t) have acc!"$t *th KCC ba$+,

// re)'!$de$t) have acc!"$t *th !ther) ba$+,

.?. ,#0 0ou 3!nt to open !n !ccount n @!n"

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E((ce$t )ervce =4 4:

C!$ve$e$t l!cat!$ ;4 =:

Ac"a$ta$ce : ;>

Other) 4 :

05

101520253035404550

48

28

16

8

%age

age


5r!# the )"rvey *e ca#e t! +$!* that 1@ 'e!'le 're(er )ervce) !( the ba$+ (!r

!'e$$% the acc!"$t,

Ab!"t 3@ 'e!'le !'e$ acc!"$t $ the ba$+ (!r the c!$ve$e$t l!cat!$,

3/ 'e!'le !'e$ acc!"$t beca")e !( ac"a$ta$ce *th the ba$+ !((cer)

!$ly @ 'e!'le !'e$ acc!"$t beca")e !( !ther rea)!$,

.4. Do 0ou 3!nt to open !n !ccount 3t# KCC @!n"Q

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Cate%!ry N!, !( Re)'!$de$t) Perce$ta%e

Ye) 03 31

N! 30 13

N!t Idea 0 -1

24

42

34

%age

;

>ot dea


31 re)'!$de$t) *a$t t! !'e$ a$ acc!"$t $ KCC ba$+,

13 re)'!$de$t) d!e) $!t *a$t t! !'e$ a$ acc!"$t $ KCC ba$+,

-1 re)'!$de$t) are already c")t!#er) !( KCC ba$+,

.5. 3#!t s 0our percepton !@out +$$erent pro+uctsser7ces pro7+e+ @0

KCC @!n"

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6"cratve 31 1@

N!t 6"cratve 30 13

N! Idea 02

?@:RA= >; ?@:RA= >; %=

0

5

10

15

20

25

30

35

40

45

50

48

42

10

%AGE

B=

Interpret!ton5r!# ab!ve re)'!$)e t ca$ be )ee$ that,

1@ re)'!$de$t) 'erce't!$ ab!"t d((ere$t 'r!d"ct) ) l"cratve,

13 re)'!$de$t) 'erce't!$ ab!"t d((ere$t 'r!d"ct) ) $!t l"cratve,

02 re)'!$de$t) have $! dea,

.>.Are 0ou !3!re t#!t t#e KCC @!n" pro7+es 0ou $ree p#one @!n"n2 H

net @!n"n2 ser7ces.


Ye) -3 /1

N! 0@ -/

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64

36

%AGE

;

Interpret!ton5r!# ab!ve re)'!$)e t ca$ be )ee$ that

/1 re)'!$de$t) are a*are !( t,

-/ re)'!$de$t) are $!t a*are !( t,

.8. Are 0ou !3!re o$ +$$erent terms !n+ con+tons 3#c# !re 7er0 muc#

essent!% to m!nt!n !n !ccount !t KCC B!n"


Ye) 0 -1

N! -- //

43


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;

0

10

20

30

40

50

60

70

34

66

%AGE

B=


-1 re)'!$de$t) are (a#lar *th d((ere$t ter#) a$d c!$dt!$) *hch are very #"ch

e))e$tal t! #a$ta$ acc!"$t *th the ba$+,

// re)'!$de$t) have $! dea ab!"t t,

.:. Is t#e st!$$ o$ KCC @!n" s co9oper!t7eQ

C!te2or0 No. o$ Respon+ents Percent!2eYe) -1 /@

N! 00 33

N! Idea 02

44


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; >; %=

0

10

20

30

40

50

60

70

68

22

10

%AGE

B=


/@ re)'!$de$t) beleve that )ta(( !( KCC ba$+ ) c!.!'eratve,

33 re)'!$de$t) beleve that )ta(( !( KCC ba$+ ) $!t c!.!'eratve,

02 re)'!$de$t) have $! dea,

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74

26

Sales

;


1 re)'!$de$t) beleve that KCC ba$+ 'r!vde) $$!vatve 'r!d"ct) a$d )"'er!r )ervce),

3/ re)'!$de$t) beleve that KCC ba$+ d!e) $!t 'r!vde $$!vatve 'r!d"ct) a$d )"'er!r

)ervce),

.;. I$ 0ou 2et opportunt0 n $uture 3ou%+ 0ou %"e to @e !tt!c#e+ 3t#

KCC @!n"


Ye) -@ /N! 03 31

46


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76

24

Sales

;


/ re)'!$de$t) *a$t t! attach *th KCC ba$+,

31 re)'!$de$t) d!e)$t *a$t t! attach *th KCC ba$+,

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CONCLUSIONS AND RECOMENDATION

CONCLUSIONS

KCC Ba$+4 the ba$+$% ar# !( KCC ) e8'ected t! %! !$ )trea#, The ba$+ already ha) %!!d

$"#ber !( e#'l!yee) !$ b!ard a$d ) recr"t$% 'er)!$al ba$+er heavly t! ta+e the headc!"$t t!

#a$y #!re, It ) !$ the br# !( $crea)$% t) c")t!#er) thr!"%h t) attractve )che#e) a$d !((er,

The 'r!&ect !''!rt"$te) 'r!vded *a) #ar+et )e%#e$tat!$ a$d t! +$!* the 'erce't!$ !(

'r!)'ectve c")t!#er) $ '!te$tal %e!%ra'hcal l!cat!$ a$d c!$v$c$% the# t! attract #!re

c")t!#er) )! that $e* b")$e)) !''!rt"$te) !( the ba$+ ca$ be e8'l!red, Thr!"%h th) 'r!&ect4

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t c!"ld be c!$cl"ded that 'e!'le are $!t #"ch a*are ab!"t the var!") 'r!d"ct) !( the ba$+ a$d

#a$y !( the# $!t $tere)ted t! !'e$ a$ acc!"$t4 t! $ve)t #!$ey at all, Ma&!rty !( 'e!'le have

#!re (ath $ '"blc )ect!r ba$+) a) c!#'are t! 'rvate ba$+), Pr!(e))!$al) a$d b")$e))#a$ are

#!re attracted t!*ard) the 'r!d"ct) a$d )ervce) 'r!vded by the KCC ba$+ a) c!#'are t!

'e!'le $ )ervce) a$d )t"de$t), Servce) *a) c!$)dered a) "$)!"%ht %!!d *hch re"re hard

c!re )ell$%4 b"t $ cha$%$% tre$d $ $c!#e a$d 'e!'le bec!#$% ($a$cally lterate4 the

de#a$d (!r ba$+$% )ect!r ) $crea)$% day by day,

S!4 at la)t the c!$cl")!$ ) that there ) t!"%h c!#'ett!$ ahead (!r the c!#'a$y (r!# t) #a&!r

c!#'ett!r) $ the ba$+$% )ect!r, 6a)t b"t $!t the lea)t I *!"ld l+e t! tha$+ KCC Ba$+ (!r

%v$% #e a$ !''!rt"$ty t! *!r+ $ the (eld !( Mar+et$% a$d O'erat!$, I h!'e the c!#'a$y

($d) #y a$aly)) releva$t,

RECOMMENDATION

5$ally )!#e rec!##e$dat!$) (!r the c!#'a$y are a) (!ll!*):.

T! #a+e 'e!'le a*are ab!"t the be$e(t !( bec!#$% a c")t!#er !( KCC Ba$+4 (!ll!*$%

actvte) !( advert)e#e$t )h!"ld be d!$e thr!"%h

;.Pr$t Meda, =.F!ard$% Ba$$er),

?.Stall) $ Trade 5are) 4.D)trb"t!$ !( lea(let) c!$ta$$% detal) $(!r#at!$,

Ot#er $!c%tes must @e pro7+e to t#e customer

The ba$+ )h!"ld 'r!vde l(e t#e vald ATM card t! all t) c")t!#er),

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M$#"# bala$ce (!r )av$%) acc!"$t )h!"ld be red"ced (r!# R) 222 t! R) 02224 )!

that 'e!'le *h! are $!t ($a$cally )tr!$% e$!"%h ca$ #a$ta$ ther acc!"$t 'r!'erly,

The c!#'a$y )h!"ld 'r!vde a 'a)) b!!+ t! all t) c")t!#er),

Ma+e 'e!'le "$der)ta$d ab!"t the var!") be$e(t) !( t) 'r!d"ct), C!#'a$y )h!"ld !r%a$9e the 'r!%ra# $ the )!cety4 )! that 'e!'le *ll be a*are ab!"t

the c!#'a$y a$d d((ere$t 'r!d"ct) !( the ba$+,

C!#'a$y )h!"ld !'e$ #!re bra$che) $ d((ere$t cte),

LIMITATIONS

Every *!r+ ha) t) !*$ l#tat!$, 6#tat!$) are e8te$t t! *hch the 'r!ce)) )h!"ld $!t

e8ceed, 6#tat!$) !( th) 'r!&ect are:

The 'r!&ect *a) c!$)tra$ed by t#e l#t !( t*! #!$th),

M$d)et !( 'e!'le #ay very de'e$d$% "'!$ ther a%e4 %e$der4 $c!#e etc,

Gett$% a''!$t#e$t (r!# the c!$cer$ 'er)!$ *a) very d((c"lt,

Pe!'le #$d )et ab!"t the )"rvey *a) !b)tacle) $ ac"r$% c!#'lete Re)'!$de$t) *ere

very b")y $ ther )ched"le, S! t *a) very t#e c!$)"#$% (!r $(!r#at!$ '!)tve

$teract!$4 the# t! a$)*er all the "e)t!$) 'r!'erly,

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ANNE1URES

;. UESTIONNAIRE

Dear SrMada#4

Na#e:

State:

I a# a )t"de$t !( ;Sr Sa U$ver)ty Pala#'"r 're)e$tly d!$% a 'r!&ect !$ Consumers

Percepton on KCC B!n",I re"e)t y!" t! +$dly (ll the "e)t!$$are bel!* a$d I

a))"re y!" that the data %e$erated )hall be +e't c!$(de$tal,

;. Y!"r A%e:

=. Ed"cat!$ "al(cat!$,

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U$der%rad"ate

Grad"ate

P!)t%rad"ate

?.Martal Stat") ,

Marred

S$%le

N"#ber O( year) Are Y!" $ Dhara#)hala

6e)) tha$ (ve year)

M!re tha$ (ve year)

5.Occ"'at!$,

B")$e))

Pr!(e))!$

Servce

St"de$t

>.Y!"r a$$"al h!")eh!ld $c!#e, tha$ 3 lac+

Bet*ee$ 3 t! lac+

Bet*ee$ t! @ lac+

Vtha$ @ lac+

8.5r!# *hch ba$+ y!" have acc!"$tQ

KCC

Other)

:.7hy y!" *a$t t! !'e$ a$ acc!"$t $ ba$+ Q

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E((ce$t Servce

C!$v$e$t l!cat!$

Ac"a$ta$ce

Other)


54/56

N!

D!te

P%!ce S2n!ture

T#!n" /ou

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BIBLIO(RAP/

S.NO AUTORS NAME NAME O) TE BOOK

0, PFI6IP KOT6ER Mar+et$% Ma$a%e#e$t

>02thEdt!$?4

3, =,S,RAMAS7AMY Mar+et$% Ma$a%e#e$t

>-rdEdt!$?4

-, C,R,KOTFARY Re)earch Meth!d!l!%y

>3$dEdt!$?4

1, S,P,KASANDE Re)earch #eth!d!l!%y

>-rdEdt!$?4

NE,S PAPERS: T#e) !( I$da

5$a$cal E8're))

,EB RE)ERENCES

htt':***,+ccb,c!#c!$)"#er 'erce't!$r)h$,ht#

htt':***,#d+ccbW)a$char$et,$'r!(le'a'er,ht#

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htt':***,(ac"lty,r)",ed"h)t!ry#%t(ay!l,ht#l

htt':***,#r.%"de,c!#dataG02,ht#

htt':***,)a$char$et,c!#l!$de8,ht#

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