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Summer Training Report on

CONSUMER PREFERENCE TOWARDS VARIOUS FINANCIAL SERVICES OF STANDARD CHARTERED BANK


Submitted to

Miss. Soamya Goel Project Supervisor


by

Parul Singhal Roll No: 0608170071 MBA- III (Semester) September 2007
to

U.P.TECHNICAL UNIVERSITY

DEPARTMENT OF MANAGEMENT STUDIESINSTITUTE OF FOREIGEN TRADE AND MANAGEMENT LODHIPUR RAJPUT, DELHI ROAD, MORADABAD (U.P.)

CONSUMER PREFERENCE TOWARDS VARIOUS FINANCIAL SERVICES OF STANDARD CHARTERED BANK

by Parul Singhal MBA III SEMESTER SUBMITTED TO DEPARTMENT OF MANAGEMENT STUDIES IN THE PARTIAL FULFILLMENT OF THE REQUIREMENT FOR THE DEGREE OF MASTER OF BUSINESS ADMINISTRATION AT THE INSTITUTE OF FOREIGEN TRADE AND MANAGEMENT SEPTEMBER 2007
The author hereby grants I.F.T.M. permission to reproduce and to distribute publicly, paper and electronic copies of the project report in whole or in part.

Signature of student __________________________________________________________________ Department of Management Studies September 2007

Certified by___________________________________________________________________________ Soamya Goel Project supervisor

Accepted by__________________________________________________________________________ S. Awasthi Professor and Head Department of Management studies

Table of Contents
Chapter no. Title Acknowledgment Preface List of Table List of figures 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Introduction Scope and Importance Literature Review Companys Profile Product Profile Research Methodology Findings and Analysis Conclusions Suggestions Limitations Bibliography Annexure 11 26 43 75 80 93 96 98 100 102 Page no. iv v vi vii

ACKNOWLEDGEMENT

This project has been made possible through the direct and indirect co-operation of various person for whom I wish to express my appreciation and gratitude. In the preparation of this project report I have received help and encouragement from different sources. I extended my sincere thanks to Dr. Suvijna Awasthi (Head of management department) Dr. P.G.Mehrotra(Associate Director)of I.F.T.M. I am also very thankful to all the faculty members of I.F.T.M. for providing me with their invaluable suggestions and moral support to complete my report in expected format. I am especially indebted of Mr. Manish Gupta (. Head, Standard Chartered),Mr. Nitin Bhatnagar (Team Leader, Standard Chartered, Delhi Branch) for guiding me although the internship period about the intricacies of various financial services and understanding the working of the company. I must also be thankful to all relationship executives (Ms. Nidhi, Mr.Hemant, Mrs. Akansha, and Ms. Rashi) for their cooperation and assistance without which my project want be treated as complete. Their market experience provided not of insight of working in success type or professional environment. I would like to thank Ms. Soamya Goel and Mr. Pariksit Joshi for motivating in the right direction and providing opportunity to work on the report in the practical environment of Standard Chartered Bank. A special thanks to my parents who encourage me a lot during my training session.

PARUL SINGHAL

PREFACE

This project report is based on the various innovative accounts and schemes that standard chartered bank is basically involved in though the branch is online therefore the facility of online banking is available to the customer it reflects the clear but brief view about the schemes like Home Loan unique features of home loan are it includes one time processing fees, no hidden charges. The second scheme offered by standard chartered is finance against term deposits which provide most convenient and immediate line of credit against your term deposits and it can be Use it whenever one can want! Pay interest only on use. It also provides Lower Interest rates. Facility can be availed against NR term deposits. A higher limit of up to 95% against domestic term deposits and one of the most important features is it provide ATM/Debit card. The third scheme is Personal Loans which provide Competitive Interest Rates, No Securities, Collaterals and Guarantors required and the Loan Amount available from Rs 50,000 to Rs 15,00,000. The fourth service provided by standard chartered is net banking. Net banking provides some unique features like Easy to use and navigate, all services available in just 2 clicks, Access to all your accounts at one place and access to all banking services anywhere, anytime.
As part of curriculum I am supposed to undergo Summer training for two months (8 weeks) on connection of first year M.B.A. Program. I am grateful to carry Summer training at an esteemed organization at Standard Chartered Bank. I have put in the best of my efforts to provide information of the present market situation and recommended strategies to over can the stuff completion in the banking sector.

List of table

S.No (i) (ii) (iii) (iv) (v) (vi) (vii) (ix) (x) (xi) (xii)

Table Awareness of SCB Accounts in SCB Type of account. Preference for saving account Awareness of services offered by SCB Accounts in others bank Discrimination between clients Most profit promising service of SCB Most beneficial Debit Card Preference of loan Performance satisfaction of SCB

Page No.

List of figures
S.No (i) (ii) (iii) (iv) (v) (vi) (vii) (viii) (ix) (x) (xi) Table Awareness of SCB Accounts in SCB. Type of account Preference for saving account Awareness of services offered by SCB Accounts in others bank Discrimination between clients Most profit promising service of SCB Most beneficial Debit Card Preference of loan Performance satisfaction of SCB Page No.