Project for Bikram

8/13/2019 Project for Bikram

1/83

PROJECT REPORT

ON

CONSUMER PERCEPTION REGARDING DIFFERENT SERVICESPROVIDED BY PUBLIC AND PRIVATE SECTOR

BANKS

SUBMITTED TO

PUNJAB TECHNICAL UNIVERSITY

JALANDHAR

IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE

AWARD OF THE DEGREE OF

BACHELORS IN BUSINESS ADMINISTRATION

SUBMITTED BY:

Kanwalpreet Kar

R!ll N!" #$%&'$$()

LOVELY INSTITUTE OF MANAGEMENT

PHAGWARA

SESSION (2005-08)

*


2/83

PREFACE

S!+e!ne ,a- r./,tl0 -a.1 t,at pra2t.2al e3per.en2e .- 4ar 5etter an1 2l!-er t! t,e

real w!rl1 t,an +ere t,e!ret.2al e3p!-re" T,e pra2t.2al e3per.en2e ,elp- t,e

-t1ent- t! 6.ew t,e real 5-.ne-- w!rl1 2l!-el07 w,.2, .n trn w.1el0 .n4len2e-

t,e.r per2ept.!n- an1 ar/+ent- t,e.r n1er-tan1.n/ !4 t,e real -.tat.!n"

T,e p,en!+en!n !4 2reat.!n .- a l!n/ pr!2e-- re8.r.n/ t.+e7 ener/0 an1

1e1.2at.!n- well a- -9.ll an1 e3per.en2e !4 t,!-e pe!ple en/a/e1 .n t,e ta-97

lt.+atel0 .n t,e !t2!+e a- t,e 4.nal 4!r+ !4 e+5!1.+ent !4 t,e 2reat!r:- 6.-.!n"

Re-ear2, w!r9 2!n-t.tte- t,e 5a295!ne !4 an0 +ana/e+ent e12at.!n pr!/ra++e"

A +ana/e+ent -t1ent ,a- t! 1! re-ear2, w!r9 8.et 4re8entl0 1r.n/ ,.- ent.re

-pan" T,e re-ear2, w!r9 ent.tle1 ;C!n-+er per2ept.!n re/ar1.n/ 1.44erent

-er6.2e- pr!6.1e1 50 p5l.2 an1 pr.6ate -e2t!r 5an9-; a.+- t! 2!+pare t,e 6ar.!-

-er6.2e- pr!6.1e1 50 p5l.2 an1 pr.6ate -e2t!r 5an9-" F!r t,.- prp!-e t,ee

re-p!n1ent- 4r!+ 1.44erent 2.t.e- ,a6e 5een 2,!-en"

BBA .- t,e -tepp.n/


3/83

ACNOWELDGEMENT

A per-!n alwa0- re8.re- /.1an2e an1 ,elp !4 !t,er t! a2,.e6e -22e-- .n ,.- .n

,.- +.--.!n> -.+.larl0 .t wa- n!t p!--.5le 4!r +e t! 2!+plete +0 a--./n+ent" I a+

.n1ee1 6er0 +2, t,an94l t! all t,e pe!ple w,! ,a6e ,elpe1 +e t! 2!+plete t,e

pr!?e2t"

I a+ /rate4ll0 .n1e5te1 t! M-"I+preet Kar7 +0 pr!?e2t /.1e 4!r pr!6.1.n/ +e all

t,e ne2e--ar0 ,elp an1 re8.re1 /.1el.ne- 4!r t,e 2!+plet.!n !4 +0 pr!?e2t an1

al-! 4!r t,e 6ala5le t.+e t,at -,e /a6e +e 4r!+ ,er -2,e1le"

La-t 5t n!t lea-t I a+ t,an94l t! all +0 4r.en1-7 w,! ,a6e 5een a 2!n-tant -!r2e

!4 .n-p.rat.!n an1 .n4!r+at.!n 4!r +e" I t,an9- t! al+./,t0 4!r -,!wer.n/ ,.-

5le--.n/"

Kanwalpreet Kar

@


4/83

CERTIFICATE

T,.- .- t! 2ert.40 t,at t,e pr!?e2t rep!rt ent.tle1 !C"#$%&'( )'(*')+,"# './,#

/,''#+ $'1,*'$ "1,/'/ 3 %4,* .#/ ,1.+' $'*+" 2.#5$!-5+.tte1 50

Kanwalpreet Kar .- a 5!na4.1e p.e2e !4 w!r9 2!n12te1 n1er+0 1.re2t -per6.-.!n

an1 /.1an2e" N! part !4 t,.- w!r9 ,a- 5een -5+.tte1 4!r an0 !t,er 1e/ree !4 an0

!t,er n.6er-.t0" It +a0 5e 2!n-.1ere1 4!r e6alat.!n .n part.al 4l4.ll+ent !4 t,e

1e/ree !4 Ba2,el!r- .n B-.ne-- A1+.n.-trat.!n"

P"6'*+ G%,/':

M$7 I&''+ .%

L'*+%'L"1'43 I#$+,+%+' " M.#.'&'#+ P9... D.+'/: 28 A,4 2008

'


5/83

TABLE OF CONTENTS

CHAPTER NO7 PARTICULARS PAGE

NO7

*" INTRODUCTION %


6/83

@" REVIE= OF LITERATURE '*


7/83

LIST OF TABLES

TABLE NO7 PARTICULARS PAGE NO7

*" Ban9.n/ -e2t!r- -er6.2e-

re-p!n1ent- a6a.l #@

&"* N!" !4 t0pe !4 a22!nt- ,el1

.n p5l.2 -e2t!r 5an9- #'

&"& N!" !4 t0pe !4 a22!nt- ,el1

.n pr.6ate -e2t!r 5an9- #(

@" N!" !4 Re-p!n1ent- pre4err.n/

1.44erent 5an9- #%

'" Rea-!n- 4!r a22!nt- .n 1.44erent 5an9- ($

#" N!" !4 pe!ple a6a.l.n/ 1.44erent4a2.l.t.e- at p5l.2 pr.6ate -e2t!r 5an9- (&

("* Sat.-4a2t.!n le6el !4 2-t!+erre/ar1.n/

t,e 4a2.l.t.e- a6a.le1 4r!+ t,e p5l.2

-e2t!r 5an9- ('

("& Sat.-4a2t.!n le6el !4 2-t!+erre/ar1.n/

t,e 4a2.l.t.e- a6a.le1 4r!+ t,e

p5l.2 -e2t!r 5an9- (#

)" N!" !4 2-t!+er- rea10 t! -,.4t 4r!+

t,e.r pre-ent 5an9 ((

%" Pr!5le+- 4a2e1 50 2-t!+er- ()

)


8/83

CAPTER


9/83

INTRODUCTION

T,e w!rl1 !4 5an9.n/ ,a- a--+e1 a new 1.+en-.!n at 1awn !4 t,e &* -t

2entr0 w.t, t,e a16ent !4 te2, 5an9.n/7 t,ere50 len1.n/ t,e .n1-tr0 a

-ta+p !4 n.6er-al.t0" In /eneral7 5an9.n/ +a0 5e 2la--.4.e1 a- reta.l an1

2!rp!rate 5an9.n/" Reta.l 5an9.n/7 w,.2, .- 1e-./ne1 t! +eet t,e

re8.re+ent- !4 .n1.6.1al 2-t!+er- an1 en2!ra/e t,e.r -a6.n/7 .n2l1e-

pa0+ent !4 t.l.t0 5.ll-7 2!n-+er l!an-7 2re1.t 2ar1-7 2,e29.n/ a22!nt an1

t,e l.9e" C!rp!rate 5an9.n/7 !n t,e !t,er ,an17 2ater- t! t,e nee1- !4

2!rp!rate 2-t!+er- l.9e 5.ll- 1.-2!nt.n/7 !pen.n/ letter- !4 2re1.t7

+ana/.n/ 2a-,7 et2"

Meta+!rp,.2 2,an/e- t!!9 pla2e .n t,e In1.an 4.nan2.al -0-te+ 1r.n/ t,e

e./,t.e- an1 n.net.e- 2!n-e8ent p!n 1ere/lat.!n an1 l.5eral.at.!n !4

e2!n!+.2 p!l.2.e- !4 t,e /!6ern+ent" In1.a 5e/an -,ap.n/ p .t- e2!n!+0

an1 ear+ar9e1 a+5.t.!- plan 4!r e2!n!+.2 /r!wt," C!n-e8entl07 a -ea

2,an/e .n +!ne0 an1 2ap.tal +ar9et- t!!9 pla2e" Appl.2at.!n- !4 +ar9et.n/

2!n2ept .n t,e 5an9.n/ -e2t!r were .ntr!12e1 t! en,an2e t,e 2-t!+er

-at.-4a2t.!n" T,e p!l.20 !4 pr.6at.at.!n !4 5an9.n/ -er6.2e- a.+- at

en2!ra/.n/ t,e 2!+pet.t.!n .n 5an9.n/ -e2t!r an1 .ntr!12t.!n !4 4.nan2.al

-er6.2e-" C!n-e8entl07 -er6.2e- -2, a- De+at7 Internet Ban9.n/7 P!rt4!l.!

Mana/e+ent7 Ventre Cap.tal7 et2"7 2a+e .nt! e3.-ten2e t! 2ater t! t,e nee1-

!4 p5l.2" An .+p!rtant a/en1a 4!r e6er0 5an9er t!1a0 .- /reater !perat.!nal

e44.2.en20 an1 2-t!+er -at.-4a2t.!n" T,e new wat2,w!r1 4!r t,e 5an9 .-

prett0 a+5.t.!-H 2-t!+er 1el./,t"

T,e .ntr!12t.!n t! t,e +ar9et.n/ 2!n2ept t! 5an9.n/ -e2t!r 2an 5e tra2e1

5a29 t! A+er.2an Ban9.n/ A--!2.at.!n C!n4eren2e !4 *#%" Ban9+ar9et.n/ 2an 5e 1e4.ne1 a- t,e part !4 +ana/e+ent a2t.6.t07 w,.2, -ee+-


10/83

t! 1.re2t t,e 4l!w !4 5an9.n/ -er6.2e- pr!4.ta5.l.t0 t! t,e 2-t!+er-" T,e

+ar9et.n/ 2!n2ept 5a-.2all0 re8.re- t,at t,ere -,!l1 5e t,!r!/,

n1er-tan1.n/ !4 2-t!+er- nee1 an1 t! learn a5!t +ar9et .t !perate- .n"

Frt,er t,e +ar9et .- -e/+ente1 -! a- t! n1er-tan1 t,e re8.re+ent- !4 t,e

2-t!+er at a pr!4.t t! t,e 5an9"

EVOLUTION OF INDIAN BANING

An2.ent 5an9.n/ -0-te+ !4 In1.a 2!n-t.tte1 !4 .n1./en!- 5an9er-" T,e0

,a6e 5een 2arr0.n/ !n t,e.r a/e

t,e 2!ntr0 n1er 1.44erent na+e-" T,e +!1ern a/e !4 5an9.n/ 2!n-t.tte-

t,e 4n1a+ental 5a-.- !4 e2!n!+.2 /r!wt," T,e ter+ Ban9 .- 5e.n/ -e1

-.n2e l!n/ t.+e 5t t,ere .- n! 2lear 2!n2ept.!n re/ar1.n/ .t- 5e/.nn.n/"

A22!r1.n/ t! t,e 6.ewp!.nt7 .n /!!1 !l1 1a0-" Ital.an +!ne0 lea1er- were

9n!wn a- Banchi5e2a-e t,e0 9ept a -pe2.al t0pe !4 ta5le t! tran-a2t

t,e.r 5-.ne--"

IMPORTANCE OF BANS

T!1a0 5an9- ,a6e 5e2!+e a part an1 par2el !4 !r l.4e" T,ere wa- a t.+e

w,en 1weller- !4 t,e 2.t0 al!ne 2!l1 en?!0 t,e.r -er6.2e-" N!w 5an9- !44er

a22e-- t! e6en a 2!++!n +an an1 t,e.r a2t.6.t.e- e3ten1 t! area- ,.t,ert!

nt!2,e1" Ban9- 2ater t! t,e nee1- !4 a/r.2ltral.-t-7 .n1-tr.al.-t-7 tra1er-

an1 t! all t,e !t,er -e2t.!n- !4 t,e -!2.et0" In +!1ern a/e7 t,e 5an9.n/

2!n-t.tte- t,e 4n1a+ental 5a-.- !4 e2!n!+.2 /r!wt,"

*$


11/83

DEFINITION OF BAN

T9' O;"/ /,*+,"#.3 /',#'$ +9' B.# .$

An establishment for the custody of money, which it pays out, on a

customers order.

A**"/,# +" W9,+'9'./

A Bank is defined as an institution which collects surplus funds

from the public, safeguards them, and makes them available to the true

owner when required and also lends sums be their true owners to those who

are in need of funds and can provide security.

A B.#,# C"&.#3 ,# I#/,. 9.$ ''# /',#'/ ,# +9' B.#,#

C"&.#,'$ .*+ =

One w,.2, tran-a2t- t,e 5-.ne-- !4 5an9.n/ w,.2, +ean- t,e

a22ept.n/7 4!r t,e prp!-e !4 len1.n/ !r .n6e-t+ent !4 t,e 1ep!-.t- !4 +!ne0

4r!+ t,e p5l.27 repa0a5le !n 1e+an17 !r !t,erw.-e an1 w.t,1raw a5le 5e

2,e8e7 1ra4t7 !r1er !r !t,erw.-e"

T,e 5an9.n/ -0-te+ .- an .nte/ral -5-0-te+ !4 t,e 4.nan2.al -0-te+" Itrepre-ent- an .+p!rtant 2,annel !4 2!lle2t.n/ -+all -a6.n/- 4!r+ t,e

,!-e,!l1- an1 len1.n/ .t t! t,e 2!rp!rate -e2t!r"

T,e In1.an 5an9.n/ -0-te+ ,a- Re-er6e Ban9 !4 In1.a RBIJ a- t,e ape3

5!10 4!r all +atter- relat.n/ t! t,e 5an9.n/ -0-te+" It .- t,e 2entral Ban9 !4

In1.a" It .- al-! 9n!wn a- t,e Ban9er T! All Ot,er Ban9-"

**


12/83

INDIAN BANING SYSTEM

Ban9.n/ .n In1.a ,a- .t- !r./.n a- earl0 a- t,e Ve1.2 per.!1" It wa- 5el.e6e1

t,at tran-.t.!n 4r!+ +!ne0 len1.n/ t! 5an9.n/ +-t ,a6e !22rre1 e6en

5e4!re Man7 t,e /reat .n1 r.-t7 w,! ,a- 1e6!te1 a -e2t.!n !4 ,.- w!r9

t! 1ep!-.t a16an2e an1 la.1 1!wn rle- relat.n/ t! rate- !4 .ntere-t" Dr.n/

t,e M!/l per.!17 t,e .n1./en!- 5an9er- pla0e1 a 6er0 .+p!rtant r!le .n

len1.n/ +!ne0 4.nan2.n/ 4!re./n tra1e an1 2!++er2e" Dr.n/ t,e 1a0- !4

Ea-t In1.a C!+pan07 .t wa- t,e trn !6er !4 t,e a/en20 ,!-e- t! 2arr0 !n

t,e 5an9.n/ 5-.ne--" T,e General Ban9 !4 In1.a wa- t,e 4.r-t ?!.nt -e2t!r

5an9 t! 5e e-ta5l.-,e1 .n t,e Year *)%(" T,e !t,er- t,at 4!ll!we1 were t,e

Ban9 !4 .n1-tan an1 t,e Ben/al Ban9" T,e Ban9 !4 .n1-tan .- rep!rte1

t! ,a6e 2!nt.ne1 t.ll *$( w,.le t,e !t,er tw! 4a.le1 .n t,e +eant.+e"

In t,e 4.r-t ,al4 !4 t,e *t,2entr0 t,e Ea-t In1.a C!+pan0 e-ta5l.-,e1 t,ree

5an9-H

*" T,e Ban9 !4 Ben/al .n *%$"

&" T,e Ban9 !4 B!+5a0 .n *%'$"

@" T,e Ban9 !4 Ma1ra- .n *%'@"

T,e-e t,ree 5an9- al-! 9n!wn a- Pre-.1en20 Ban9- were .n1epen1ent n.t-

an1 4n2t.!ne1 well" T,e-e t,ree 5an9- were a+al/a+ate1 .n *&$ an1 anew 5an97 t,e I+per.al Ban9 !4 In1.a wa- e-ta5l.-,e1 !n &) t,anar0 *&*"

w.t, t,e pa--.n/ !4 State Ban9 !4 In1.a A2t .n *##7 t,e n1erta9.n/ !4

I+per.al Ban9 !4 In1.a wa- ta9en !6er 50 t,e newl0 2!n-t.tte1 State Ban9

!4 In1.a" T,e Re-er6e Ban9 w,.2, .- t,e Central Ban9 !4 In1.a wa- 2reate1

.n *@# 50 pa--.n/ Re-er6e Ban9 !4 In1.a A2t *@'" In t,e wale !4

Swa1e-,. M!6e+ent7 a n+5er !4 5an9- w.t, In1.an +ana/e+ent were

e-ta5l.-,e1 .n t,e 2!ntr0 na+el07

*&


13/83

Pn?a5 Nat.!nal Ban9 Lt1"

Ban9 !4 In1.a Lt1"

Canara Ban9 !4 In1.a Lt1"

In1.an Ban9 Lt1"

T,e Ban9 !4 Bar!1a Lt1"

T,e Central Ban9 !4 In1.a Lt1"

On l0 *7 *(7 *' +a?!r 5an9- !4 In1.a were nat.!nal.e1 an1 !n *# t,

Apr.l7 *%$ -.3 +!re 2!++er2.al pr.6ate 5an9- were al-! ta9en !6er 50 t,e

/!6ern+ent"

RESERVE BAN OF INDIA

T,e 5an9.n/ -0-te+ .- an .nte/ral -5


14/83

CLASSIFICATION OF BANS:

Ban9- n1er Re-er6e Ban9 !4 In1.a ,a- 5een 2la--.4.e1 a- 4!ll!w-H

*" N"# S*9'/%4'/ B.#$: T,e-e are 5an9-7 w,.2, are n!t .n2l1e1 .n

t,e -e2!n1 -2,e1le !4 t,e Ban9.n/ Re/lat.!n A2t7 *(#" It +ean-

t,e0 1! n!t -at.-40 t,e 2!n1.t.!n- la.1 1!wn 50 t,at -2,e1le"

&" S*9'/%4'/ B.#$:T,e-e are 5an9-7 w,.2, are .n2l1e1 .n t,e -e2!n1

-2,e1le !4 t,e Ban9.n/ Re/lat.!n A2t7 *(#" A22!r1.n/ t! t,.--2,e1le a -2,e1le1 Ban9 H

M-t ,a6e pa.1

&" C"&&'*,.4 B.#$: T,e-e are 5-.ne-- ent.t.e- w,!-e +a.n

5-.ne-- .- a22ept.n/ 1ep!-.t- an1 e3ten1.n/ l!an-" T,e.r +a.n

!5?e2t.6e .- pr!4.t +a3.+.at.!n an1 a11.n/ -,are,!l1er 6ale"

T,e-e are 4rt,er -5


15/83

&" F"',# B.#$:T,e-e are 5an9- t,at were re/.-tere1 !t-.1e In1.a

an1 ,a1 !r./.nate1 .n a 4!re./n 2!ntr0" A- a re-lt !4 l.5eral.at.!n7

a n+5er !4 4!re./n 5an9- were all!we1 t! -et t,e.r 5ran2,e- .n In1.a"

C4.$$,,*.+,"# " B.#$

PUBLIC SETOR BANS:

T,e p5l.2 -e2t!r 5an9- .n In1.a .- 4!r+all0 !wne1 an1 +ana/e1 50 t,e

G!6ern+ent !4 In1.a" T,e /!6ern+ent !wn- t,e-e 5an9-" In In1.a &$ 5an9-

were nat.!nal.e1 .n *( an1 *%$ re-pe2t.6el0" S!2.al wel4are .- t,ere

+a.n !5?e2t.6e" It 5a-.2all0 2!n-t.tte- !4 t,e 4!ll!w.n/H

Re-er6e Ban9 !4 In1.a

S2,e1le Ban9- N!n S2,e1le1 Ban9-

State C!

In1.an Ban9- F!re./n Ban9-

P5l.2 Se2t!r Ban9- Pr.6ate Se2t!r Ban9-

*#


16/83

aJ S+.+' B.# " I#/,. .#/ ,+$ $%$,/,.,'$: State Ban9 !4 In1.a an1

.t- a--!2.ate- are 2alle1 State 5an9 /r!p" T,.- /r!p 2!+pr.-e- !4

t,e State Ban9 !4 In1.a SBIJ an1 .t- -e6en -5-.1.ar.e- 6." State

Ban9 !4 Pat.ala7 State Ban9 !4 01era5a17 State Ban9 !4 Tra6an2!re7

State Ban9 !4 B.9aner an1 a.pr7 State Ban9 !4 M0-!re7 State Ban9

!4 Sara-,tra an1 State Ban9 !4 In1!re"

5J 20 N.+,"#.4,?'/ B.#$: T,.- /r!p 2!n-.-t- !4 pr.6ate -e2t!r 5an9-

t,at were nat.!nal.e1 50 t,e G!6ern+ent !4 In1.a" On t,e *t,l0

*(7 4!rteen +a?!r In1.an 5an- ,a6.n/ 1ep!-.t- !4 +!re t,an R-" #$2r!re- were nat.!nal.e1" T,e n1erta9.n/- !4 t,e-e 4!rteen 5an9-

were ta9en !6er 50 an1 ,a6e 6e-te1 .n *' new 2!rp!rate 5!1.e-

e-ta5l.-,e1 n1er t,e 5a9.n/ 2!+pan.e- a28.-.t.!n an1 tran-4er !4

n1erta9.n/J a2t7 *)$" It ,a- 5een a+en1e1 50 5an9.n/ 2!+pan.e-

a2t *'7 a22!r1.n/ t! w,.2, t,e -,are 2ap.tal p t! ' !4 t,e

nat.!nal.e1 5an9- 2an 5e ,el1 50 t,e p5l.2 an1 t,e 2!-t !4 t,e -,are

2ap.tal w.ll 5e !wne1 50 t,e G!6ern+ent !4 In1.a" T,e-e *' 5an9-

are n!w +ana/e- 50 t,e G!6t" !4 In1.a t,r!/, t,e 5!ar1 !4 1.re2t!r-

app!.nte1 50 .t" On *#t,Apr.l *%$7 -.3 +!re 5an9- ,a6.n/ 1ep!-.t-

n!t le-- t,an R-" &$$ 2r!re- were al-! nat.!nal.e1" T,e n1erta9.n/-

!4 t,e-e 5an9- were ta9en !6er an1 6e-te1 .n -.3 2!rre-p!n1.n/ new

5an9- n1er t,e 5an9.n/ 2!+pan.e- a28.-.t.!n an1 tran-4er !4

n1erta9.n/-J a2t7 *%$"

2J R',"#.4 R%.4 B.#$: T,e-e were e-ta5l.-,e1 50 t,e RBI .n t,e

0ear *)# !4 Ban9.n/ C!++.--.!n" It wa- e-ta5l.-,e1 t! !perate .n

rral area- t! pr!6.1e 2re1.t an1 !t,er 4a2.l.t.e- t! -+all an1 +ar/.nal

4ar+er-7 a/r.2ltral la5!rer-7 art.-an- an1 -+all entreprener-"

*(


17/83

LIST OF PUBLIC SECTOR BANS

State Ban9 !4 In1.a

State Ban9 !4 B.9aner an1 a.pr

State Ban9 !4 01era5a1

State Ban9 !4 In1!re

State Ban9 !4 M0-!re

State Ban9 !4 Pat.ala

State Ban9 !4 Sara-,tra

State Ban9 !4 Tra6an2!re

O+9' #.+,"#.4,?'/ .#$ .':

Alla,a5a1 Ban9

An1,ra Ban9

Ban9 !4 Bar!1a

Ban9 !4 In1.a

Ban9 !4 Ma,ara-,tra

Canara Ban9

Central Ban9 !4 In1.a

C!rp!rat.!n Ban9

Dena Ban9

In1.an Ban9

In1.an O6er-ea- Ban9

Or.ental Ban9 !4 C!++er2e

Pn?a5 an1 S.n1, Ban9

Pn?a5 Nat.!nal Ban9

S0n1.2ate Ban9

*)


18/83

UCO Ban9

Un.!n Ban9 !4 In1.a

Un.te1 Ban9 !4 In1.a

V.?a0a Ban9

PRIVATE SECTOR BANS:

T,e-e 5an9- are t,!-e 5an9- t,at are !wne1 an1 rn 50 pr.6ate -e2t!r" An

.n1.6.1al ,a- 2!ntr!l !6er t,e-e 5an9- .n pr!p!rt.!n t! t,e -,are- !4 t,e

5an9- ,el1 50 ,.+" T,e Pr.6ate Ban9- .n In1.a 5a-.2all0 2!n-t.tte- !4 t,e

4!ll!w.n/H

aJ O4/ P,1.+' S'*+" B.#$: T,.- /r!p 2!n-.-t- !4 5an9- t,at were

e-ta5l.-,e1 50 t,e pr.60 -tate-7 2!++n.t0 !r/an.at.!n- !r 50 a

/r!p !4 pr!4e--.!nal- 4!r t,e 2a-e !4 e2!n!+.2 5etter+ent .n t,e.r

area !4 !perat.!n-" In.t.all0 t,e.r !perat.!n- were 2!n2entrate1 .n a

4ew re/.!nal area-" !we6er7 t,e.r 5ran2,e- -l!wl0 -prea1t,r!/,!t t,e nat.!n a- t,e0 /rew"

5J N' P,1.+' S'*+" B.#$: A4ter t,e nat.!nal.at.!n !4 *'

2!++er2.al 5an9- .n *(7 RBI .n t,e 2!ntr0 l.2en-e1 n! new

pr.6ate 5an9- t,!/, t,ere wa- n! le/al 5an !n t,e entr0 !4 pr.6ate

-e2t!r 5an9-" T,e Nara-.+,a C!++.ttee rep!rt !4 **7 ,a-

en6.-a/e1 a lar/er r!le 4!r pr.6ate -e2t!r 5an9-" In re2!/n.t.!n !4 t,e

nee1 t! .ntr!12e /reater 2!+pet.t.!n w.t, a 6.ew t! a2,.e6.n/ ,./,er

pr!12t.6.t0 an1 e44.2.en20 !4 t,e 5an9.n/ -0-te+7 RBI .--e1 4ew

/.1el.ne- .n anar0 *@ 4!r t,e entr0 !4 pr.6ate -e2t!r 5an9-" It

pre-2r.5e1 a +.n.++ pa.1 p 2ap.tal !4 R-" *$$ 2r!re- 4!r t,e new

5an9 an1 t,e -,are- are t! 5e l.-te1 at -t!29 e32,an/e-" Al-! t,e new

5an9 5e.n/ /rante1 l.2en-e n1er t,e Ban9.n/ Re/lat.!n A2t -,all 5e

*%


19/83

re/.-tere1 a- a P5l.2 L.+.te1 C!+pan0 n1er t,e C!+pan.e- A2t7

*#(" S5-e8entl0 new 2!++er2.al 5an9- ,a6e 5een /rante1

l.2en-e t! -tart 5an9.n/ !perat.!n-" T,e new pr.6ate -e2t!r 5an9-

,a6e 5een 6er0 a//re--.6e .n 5-.ne-- e3pan-.!n an1 .- al-! rep!rt.n/

,./,er pr!4.t le6el- ta9.n/ t,e a16anta/e !4 te2,n!l!/0 an1 -9.lle1

+anp!wer" In 2erta.n area- t,e-e 5an9- ,a6e e6en !t 2r!--e1 t,e

!t,er /r!p- !4 5an9- .n2l1.n/ 4!re./n 5an9-"

T9' RBI ,$$%'/ %,/'4,#'$ './,# +9' "&.+,"# .#/ %#*+,"#,# "

,1.+' $'*+" .#$ ,# J.#%.3


20/83

S.n/le 5!rr!wer an1 /r!p 5!rr!wer e3p!-re l.+.t- .n 4!r2e"

Pr.!r.t0 -e2t!r len1.n/ E3p!rt 2re1.t l!an p!l.20 w.t,.n !6erall

p!l.20 /.1el.ne- la.1 1!wn 50 t,e RBI"

%" T,e 5an9- w.ll 5e 4ree t! !pen 5ran2,e- an0w,ere

!n2e t,e0 -at.-40 t,e 2ap.tal a1e8a20 an1 pr1ent.al a22!nt.n/

n!r+-"

" T,e 5an9- w!l1 n!t 5e all!we1 t! ,a6e .n6e-t+ent-

.n -5-.1.ar.e-7 +tal 4n1- an1 p!rt4!l.! .n6e-t+ent- .n !t,er

2!+pan.e- .n e32e-- !4 &$ !4 t,e 5an9- !wn pa.1 p 2ap.tal an1

re-er6e-"

LIST OF PRIVATE SECTOR BANS

Ban9 !4 Ma1ra Lt1"

Ban9 !4 Ra?a-t,an Lt1"

Bare.ll0 C!rp!rat.!n Ban9 Lt1"

B,arat O6er-ea- Ban9 Lt1"

C.t0 Un.!n Ban9 Lt1"

De6el!p+ent Cre1.t Ban9 Lt1"

Gane-, Ban9 !4 Krn1wa1 Lt1"

Karnata9a Ban9 Lt1"

L!r1 Kr.-,na Ban9 Lt1"

Na.n.tal Ban9 Lt1"

SBI C!++" an1 Int Ban9 Lt1"

Ta+.lna1 Mer2ant.le Ban9 Lt1"

T,e Benare- State Ban9 Lt1"

T,e Cat,!l.2 S0r.an Ban9 Lt1"

T,e D,anala9-,+. Ban9 Lt1"

&$


21/83

T,e Fe1eral Ban9 Lt1"

T,e a++ An1 Ka-,+.r Ban9 Lt1"

T,e Karr V0-0a Ban9 Lt1"

T,e La9-,+. V.la- Ban9 Lt1"

T,e Ne1n/a1. Ban9 Lt1"

T,e Ratna9ar Ban9 Lt1"

T,e San/l. Ban9 Lt1"

T,e S!t, In1.an Ban9 Lt1"

T,e Un.te1 =e-tern Ban9 Lt1"

T,e V0-0a Ban9 Lt1"

N' P,1.+' S'*+" B.#$

Ban9 !4 Pn?a5 Lt1"

Centr.an Ban9 Lt1"

Gl!5al Tr-t Ban9 Lt1"

DFC Ban9 Lt1"

ICICI Ban9.n/ C!rp!rat.!n Lt1"

IDBI Ban9 Lt1"

In1-lan1 Ban9 Lt1"

T.+e- Ban9 Lt1"

UTI Ban9 Lt1"

$,#*' &''/ ,+9 HDFC B.#

$,#*' &''/ ,+9 ICICI B.#

&*


22/83

PRIVATIATION OF INDIAN BANING

F!r t,e p5l.2 -e2t!r 5an9-7 t,e era !4 5+per pr!4.t .- !6er" F!r +2, !4 t,e

la-t 1e2a1e t,e pr!2e-- !4 2!lla5!rate1 4.nan2.al l.5eral.at.!n ,a1 2leare1 p

t,e Ban9- 5alan2e -,eet ena5l.n/ t,e+ t! w.t, -tan1 .n2rea-e1 2!+pet.t.!n7

/l!5al 4.nan2.n/7 tr+!.l an1 e6en npr!te2te1 .n1-tr.al -l!w 1!wn" Bt

t,e 202le !4 l.5eral.at.!n ,a- rn .t- 4ll 2!r-e" N!w .t .- t,e t.+e 4!r t,e

5./ -tr2tral leap7 rat.!nal.at.!n7 +er/er-7 an1 pr.6at.at.!n" Unle-- t,e

5an9- n1erta9e t,e-e 4n1a+ental 2,an/e-7 t,e.r pr!4.t w.ll -ta0 n1erpre--re"

T,ere are twp area- !4 2!+pet.t.!n- w,.2, 5an9.n/ .n1-tr0 .- 4a2.n/

.nternat.!nall0 an1 nat.!nall0" In t,e pre


23/83

e6er0 !ne .- -,!rt !4 an1 .- rnn.n/ t! 2at2, ,!l1 !4 t,e+" M!re!6er pr.6ate

-e2t!r 5an9- are al./n.n/ .t- .n4ra-tr2tre-7 +ar9et.n/ 8al.t0 an1

te2,n!l!/0 t! 5.l1 1eep 2!++.t+ent .n 5.l1.n/ 2!n-+er an1 reta.l

5an9.n/" T,e +a.n 4!2- !4 t,e-e 5an9- .- !n .nn!6at.6e ran/e !4 -er6.2e- !r

pr!12t-" F!r e3a+ple7 DFC7 ICICI7 et2"

CAPTER


24/83

EVOLUTION OF SBIT,e !r./.n !4 t,e State Ban9 !4 In1.a /!e- 5a29 t! t,e 4.r-t 1e2a1e !4 t,e

n.neteent, 2entr0 w.t, t,e e-ta5l.-,+ent !4 t,e Ban9 !4 Cal2tta .n

Cal2tta !n & ne *%$(" T,ree 0ear- later t,e 5an9 re2e.6e1 .t- 2,arter an1

wa- re


25/83

G"% P9"+".9 " C'#+.4 B"./ (


26/83

t,ere4!re7 t! -er6e t,e e2!n!+0 .n /eneral an1 t,e rral -e2t!r .n part.2lar7

t,e All In1.a Rral Cre1.t Sr6e0 C!++.ttee re2!++en1e1 t,e 2reat.!n !4 a

-tate

t,e re-!r2e- !4 t,e In1.an 5an9.n/ -0-te+ t,- pa--e1 n1er t,e 1.re2t

2!ntr!l !4 t,e State" Later7 t,e State Ban9 !4 In1.a S5-.1.ar0 Ban9-J A2t

wa- pa--e1 .n *#7 ena5l.n/ t,e State Ban9 !4 In1.a t! ta9e !6er e./,t

4!r+er State


27/83

PUNJAB NATIONAL BAN

HERITAGE

Pn?a5 Nat.!nal Ban9 ,a- 4a2e1 +an0 a tr.al- !4 -tren/t, .n2l1.n/ t,e

tra+a !4 part.t.!n !4 In1.a .n *') at t,e t.+e !4 .n1epen1en2e" !we6er7

1e t! .t- .n,erent -tren/t,- an1 re-.l.en2e7 t,e 5an9 n!t !nl0 w.t,-t!!1 -2,

a16er-.t.e- 5t e-ta5l.-,e1 .t-el4 -t.ll 4.r+l0 !n t,e In1.an -52!nt.nent" T,e

5an9 wa- nat.!nal.e1 .n l0 *( E-ta5l.-,e1 .n *%# at La,!re7

n1.6.1e1 In1.a7 Pn?a5 Nat.!nal Ban9 PNBJ ,a- t,e 1.-t.n2t.!n !4 5e.n/

t,e 4.r-t 5an9 t! ,a6e 5een -tarte1 -!lel0 w.t, In1.an 2ap.tal" Fr!+ .t-

+!1e-t 5e/.nn.n/7 t,e 5an9 ,a- /r!wn .n -.e an1 -tatre t! 5e2!+e a 4r!nt: R'.$"#$ " .**"%#+$ ,# /,''#+ .#$

INFERENCEH

B3 .#.43?,# +9,$ G.9 ' *.# *"#*4%/' +9.+ @0 " +9' '"4'

"'# .**"%#+$ ,# /,''#+ B.#$ /%' +" +9' G""/,44 " +9' B.#

"44"'/ 3 +9' '"4' '',# .$+ .#/ $''/3 $'1,*'$ +9.+ ,$

257 O#43 2 '$"#/'#+$ '4,'1' "# "&"+,"#.4 .*+,1,+,'$7

T9''"' "&"+,"#.4 .*+,1,+,'$ $9"%4/ ' +.'# % 3 .#$ $" .$

(*


62/83

+" &.' +9' "%4.+,"# ..' " +9' $'1,*'$ "1,/'/ 3 .#$ '1'#

,# %.4 .'.$7

57 T9' '$"#/'#+$ '' .$'/ ."%+ +9' .*,4,+,'$ +9'3 ''

.1.,4,# ,# %4,* .$ '44 .$ ,1.+' $'*+" .#$:-

T.4' 5: N%&' " '"4' .1.,4,# /,''#+ .*,4,+,'$ .+ P%4,*

P,1.+' S'*+" B.#$:

F.*,4,+,'$

.1.,4'/

N"7 "

R'$"#/'#+$

N"7 "

R'$"#/'#+$

N"7 "

R'$"#/'#+$

T"+.4

(&


63/83

,# P%4,*

B.#

,# P,1.+'

B.#

,# B"+9 C.$'$

ATMD',+

*./ 5


64/83

0246'

101214161'20

(#)

*emat

NetB

an%in+

,nsuran

ce -#

#

.&oans

,nvt.(

dviso

r!

/eries 1

/eries 2

/eries 3

/eries 4

G.9 57


65/83

P%4,* S'*+" B.#$

T.4' 7 " +9'

'"4' '&.,#'/ %#$.+,$,'/ "& +9' .*,4,+,'$ .1.,4'/ .+ +9', '''/

%4,* $'*+" B.#7

PRIVATE SECTOR BANS

T.4' 72: S.+,$.*+,"# 4'1'4$ " *%$+"&'$ './,# +9' .*,4,+,'$

.1.,4'/ "& +9' ,1.+' $'*+" .#$

L'1'4 " $.+,$.*+,"# N"7 "

R'$"#/'#+$

.'

H,943 S.+,$,'/ 2@ 50

S.+,$,'/

D,$$.+,$,'/


66/83

5833

9

+ig%ly Sati*/ie&

Sati*/ie&

Di**ati*/ie&

G.9 72: S.+,$.*+,"# 4'1'4 " *%$+"&'$ './,# +9' .*,4,+,'$

.1.,4'/ "& +9' ,1.+' $'*+" .#$

INFERENCE:

I+ .$ "%#/ +9.+ ,# *.$' " ,1.+' $'*+" .#$ 58 " +9'

'$"#/'#+$ '' 9,943 $.+,$,'/ "& +9' "/%*+$ .#/ $'1,*'$

.1.,4'/ 3 +9'& $%*9 .$ ATMD',+ *./$ 4".#$ *4'.,# " *9'%'$

4"*'$ ,#1'$+&'#+ ./1,$"3 '+*7 @@ '' 6%$+ $.+,$,'/ 9,4' = "

+9' '"4' '&.,#'/ %#$.+,$,'/ "& +9' .*,4,+,'$ .1.,4'/ .+ +9',

'''/ %4,* $'*+" B.#7

7 +9' '$"#/'#+$ '' .$'/ +9.+ , +9'3 9.1' ,1'# "+,"# "%4/

+9'3 4,' +" $9,+ "& +9' '$'#+ .#:-

T.4' : N%&' " *%$+"&'$ './3 +" $9,+ "& +9', '$'#+ B.#

L'1'4 " $.+,$.*+,"# N"7 "

R'$"#/'#+$

.'

H,943 S.+,$,'/ >@ 575

S.+,$,'/ 25 @@7@@D,$$.+,$,'/ =70=

((


67/83

28

2

0

10

20

30

40

50

60

0

80

e* #o

G.9 : N%&' " *%$+"&'$ './3 +" $9,+ "& +9', '$'#+ B.#

" #"+7

INFERENCE:

F"& +9,$ .9 ' *.# *"#*4%/' +9.+ +9' #%&' " '$"#/'#+$

'./3 +" $9,+ "& +9', '$'#+ B.# ,$ 28 9,4' 2 *%$+"&'$ $''& +"

' $.+,$,'/ "& +9', B.# .#/ 9'#*' .' #"+ ,44,# +" $9,+ "&

+9', '$'#+ '''/ .# +" "+9'7

87 T9' .,& +" .$ +9,$ %'$+,"# .$ +" #" 9'+9' +9' '$"#/'#+

.*'$ .#3 "4'& './,# +9' $'1,*'$ "1,/'/ +9'& 3 +9',

'''/ .#:-

T.4' 8: P"4'&$ .*'/ 3 *%$+"&'$

()


68/83

T3'$ " P"4'&$ N"7 " R'$"#/'#+$

T,&' C"#$%&,# 20

I#+"/%*+,"#


69/83

FINDINGS

M!re n+5er !4 pe!ple ,a- a22!nt w.t, pr.6ate 5an9-"

CAPTER


70/83

Ma?!r.t0 !4 t,e re-p!n1ent w,et,er .n p5l.2 -e2t!r 5an9- !r .n

pr.6ate -e2t!r 5an9- ,a6e -a6.n/- a22!nt w.t, 5an9-"

N+5er !4 pr!5le+- 4a2e1 50 pe!ple .- +!re .n p5l.2 -e2t!r

5an9-"

Pe!ple want a 2,an/e .n t,e 5e,a6.!r !4 t,e -ta44 !4 t,e p5l.2

-e2t!r 5an9-"

Pe!ple are +!re -at.-4.e1 4r!+ t,e pr.6ate 5an9- 1e t! t,e 5etter

-er6.2e- pr!6.1e1 50 t,e+ .n ter+- !4 -pee10 tran-a2t.!n-7 4ll0

2!+pter.e1 4a2.l.t.e-7 +!re w!r9.n/ ,!r- .n 2a-e !4 ICICI

Ban97 t,e n+5er !4 w!r9.n/ ,!r- are *&J7 /!!1 In6e-t+ent

A16.-!r0 -er6.2e-7 e44.2.ent an1 2!

t! C-t!+er Relat.!n-,.p Mana/e+ent"

In pr.6ate 5an9- pr!per pr!+!t.!nal a2t.6.t.e- -,!l1 5e ta9en p

-! a- t! +a9e t,e p!plat.!n aware !4 t,e -er6.2e- pr!6.1e1 50 t,e

5an9- e6en .n rral area-"

T,e 4a2.l.t0 t,at wa- a6a.le1 50 +!-t !4 t,e pe!ple at p5l.2 -e2t!r

5an9- wa- t,at !4 ATMDe5.t Car1-" T,e lea-t a6a.le1 4a2.l.t0

wa- t,at !4 1e+at a22!nt an1 4!re./n tran-4er !4 4n1-"

T,e 4a2.l.t0 t,at wa- a6a.le1 50 +!-t !4 t,e pe!ple at pr.6ate

-e2t!r 5an9- wa- t,at !4 InternetP,!ne Ba9.n/ 4!ll!we1 50

ATMDe5.t Car1" T,e lea-t a6a.le1 4a2.l.t0 wa- t,at !4 4!re./n

tran-4er !4 4n1-"

)$


71/83


72/83

SUGGESTIONS

CAPTER


73/83

T,e-e are -!+e !4 t,e -//e-t.!n- /.6en 50 t,e 2-t!+er- !4 ,!w t,e

+!1ern 5an9.n/ -,!l1 5e" T,e-e are t,e 2!++ent- /.6en 50 t,e+ a5!t t,e

.+pr!6e+ent !4 t,e 5an9.n/ -e2t!r .n In1.a"

Ban9- -,!l1 !5e0 t,e RBI n!r+- an1 pr!6.1e 4a2.l.t.e- a- per t,e

n!r+-7 w,.2, are n!t 5e.n/ 4!ll!we1 50 t,e 5an9-" =,.le t,e

2-t!+er +-t 5e /.6en t,e pr!+pt -er6.2e- an1 t,e 5an9 !44.2er

-,!l1 n!t ,a6e an0 4ear !n +.n1 t! pr!6.1e t,e 4a2.l.t.e- a- per RBI

n!r+- t! t,e n.t- /!.n/ -.29"

Ban9- -,!l1 .n2rea-e t,e .ntere-t rate !4 -a6.n/- a22!nt"

Ban9- -,!l1 pr!6.1e l!an- at t,e l!wer .ntere-t rate- an1 e12at.!n

l!an- -,!l1 5e /.6en w.t, ea-e w.t,!t +2, 1!2+entat.!n" All t,e

5an9- +-t pr!6.1e l!an- a/a.n-t -,are-"

Fa.r 1eal.n/ w.t, t,e 2-t!+er-" M!re 2!ntr.5t.!n- 4r!+ t,e

e+pl!0ee- !4 t,e 5an9" T,e -ta44 -,!l1 5e 2!

+-t 5e 2apa5le !4 n1er-tan1.n/ t,e pr!5le+- !4 t,e 2-t!+er-"

Internet 5an9.n/ 4a2.l.t0 +-t 5e +a1e a6a.la5le .n all t,e 5an9-"

Pr!+pt 1eal.n/ w.t, per+anent 2-t!+er- an1 -pee10 tran-a2t.!n-

w.t,!t ,ara--.n/ t,e 2-t!+er-"

Ea2, -e2t.!n !4 e6er0 5an9 -,!l1 5e 2!+pter.e1 e6en .n rral

area- al-!"

D!!r t! 1!!r -er6.2e e-pe2.all0 4!r t,e -en.!r 2.t.en- !4 t,e 2!ntr0"

)@


74/83

New a22!nt !pen.n/ 2an 5e 2l55e1 t! t,e .n-ran2e p!l.2.e- e.t,er

l.4e !r /eneral"

Per-!nal.e1 5an9.n/ -,!l1 5e /.6en a t,r-t a- +!re an1 +!re

5an9- are a2,.e6.n/ .n -al -er6.2e-"

Real T.+e Gr!-- Settle+ent 2an pla0 a 6er0 .+p!rtant r!le"

C!6er.n/ p t,e t!wn- .n rral area- w.t, ATM- -! t,at t,e pe!ple .n

t,!-e area- 2an al-! a6a.l 5etter -er6.2e-"

N! l.+.t !n 2a-, w.t,1rawal !n ATM 2ar1-"

In1.an Ban9- -,!l1 2!+pete w.t, .nternat.!nal 5an9- re/ar1.n/

Intere-t rate- an1 -er6.2e-"

One 2!nter -er6.2e an1 &'


75/83

RECOMMENDATIONS

FOR PUBLIC SECTOR BANS

Ban9 -ta44 -,!l1 5e 2-t!+er 4r.en1l0 an1 ,./,l0 +!t.6ate1 t!

-er6e t,e n!r+al 2-t!+er"

A- 4ar a- p!--.5le7 5an9- -,!l1 re12e .t- 1!2+entat.!n pr!2e--

w,.le pr!6.1.n/ l!an-"

C!+pter.at.!n -,!l1 5e 1!ne .n 5an9- at all le6el- an1 t,e

!perat!r- -,!l1 5e pr!perl0 tra.ne1" T!9en -0-te+ -,!l1 5e .n12e1 -! a- t! +.n.+.e t,e wa.t.n/

l.ne- .n t,e 5an9-"

Pr!per a+5.en2e .n t,e 5an9- 2an 1e6el!p a ,ealt,0 w!r9.n/

2ltre"

FOR PRIVATE SECTOR BANS

&' ,!r- 5an9.n/ -,!l1 5e .n12e1 -! a- t! 4a2.l.tate t,e

2-t!+er- w,! +a0 n!t ,a6e a 4ree t.+e .n t,e 1a0t.+e" It w.ll

,elp .n 4a2.n/ t,e 2!+pet.t.!n +!re e44e2t.6el0"

M!re ATM 2!6era/e -,!l1 5e pr!6.1e1 4!r t,e 2!n6en.en2e !4

t,e 2-t!+er-"

)#


76/83

CAPTER


77/83

CONCLUSION

T,e 2-t!+er- n!w 1a0- are n!t !nl0 e3p!-e1 !4 w,at t0pe !4 -er6.2e .-

5e.n/ pr!6.1e1 50 5an9- .n In1.a 5t .n t,e w!rl1 a- a w,!le" T,e0 e3pe2t

+2, +!re t,an w,at .- a2tall0 5e.n/ pr!6.1e1" S! t,e new 2!+.n/

5an9.n/ -e2t!r ,a- t! pr!6.1e an1 2ater t! all t,e nee1- !4 t,e 2-t!+er-

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BOOS

K!t,ar. C"R" *$J Re-ear2, Met,!1!l!/0H Met,!1-

an1 Te2,n.8e-> =.-,6a Pra9a-,an New Del,."

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WEBSITES

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