According to Oustrow H Smiths the term consumer behavior refers to the actions of consumers in the market place and

the underlying motives for the actions marketers expect that by understanding what causes consumers to buy particulars goods and services they will be able to determine which products are needed in the market place which are obsolete and how best to present the goods to the consumer. According to Loudon and Della Bitta, consumer behavior is the decision process and physical activity individuals engage in when evaluating acquiring, using or disposing goods and services. As chunawalla (2000), state the behavior of consumers is deciding to buy or use or not use or dispose or not to dispose of the products which satisfy their needs. Solmon and others (2001) describe it as the study of processes involved when individuals or groups select purchase, use or dispose of products, services, ideas or experiences to satisfy needs and desires of the consumers. Sharma (1995) analysed consumer behavior for consumer interest. The study was based on random sample of 1000 urban and rural respondents. Study suggests that consumer behavior provides sound and systematic basis for identifying and understanding consumer interest. It is mutually for both i.e. marketer and consumer. Lee and Others (1995) have investigated whether consumer that time like money when they make decisions in a series of studies, they found that the value of consumers time is not constant but depends on contextual characteristics of the decision situation.

The term consumer behavior is defined as the behavior that consumers display in searching for purchasing using evaluating and disposing or products and services that they expect will satisfy their needs. The consumer decision process and physical activity individuals engage in when evaluating acquiring using ordisposing of goods and services. According to Walters H Paul, Consumer behavior is the process where by individuals decide what, when, where, how and from whom to purchase goods and services. According to Webster, Consumer behavior is all psychological, social and physical behavior of potential customers as they become aware of evaluate, purchase, consume and tell other people about products and services. AN Debraj Datta defines consumer is the study of individuals, groups or organisaitons and the processes they use to select, secure, use and dispose of products, services, experiences or ideas to satisfy needs and the impacts that these processes have on the consumer and sociciety. Adam smith stated that consumption is the sole end and purpose of all production. The manufacturer who neglects this self-evident maxim that the consumer is in fact his boss, does so at his peril. The manufacturer must keep a constant touch with the customer. According to Business Dictionary, Customer satisfaction is Degree of satisfaction provided by the goods or services of a firm is measured by the number of repeat customers. Any activities involved in accepting and safegurarding money owned by other individuals and entities and then lending out this money in order to earn a profit.

Bank marketing is the aggregate of functions, directed at providing services to satisfy customers financial needs and wants more effectively and efficiently than the competitors keeping in view the organizations objectives of the bank. Customer satisfaction is Customers needs and expectations being met all of the time, every time through out the life of the product or services without this you have no customers loyalty. According to the Journal of Advertising Research, Customer satisfaction service is one of the fastest growing areas of market research. Compares actual outcomes to that are ulturally. Acceptable This is understandable even in the context of the Indian market where we are moving towards markets economy with customers as the central focus. Sir John Paget, another well known authority an banking, considers that No person or body, corporate or otherwise can be a banker who does not take deposit accounts issue and pay cheques and collect cheques crossed and uncrossed for his customers. Banking theory, Law and practice sundharam and Varshney sultan chan and sons first edition 2008. Gocicrage (1975) has distinguished consumer durables"and consumer non-durables by emphasizing the form of utility and the way product is consumed/depreciated with the consumption in context of time utility. Moreover, he tried to differentiate consumer products by production cost, production period, and frequency of purchasing, risk involved with purchasing etc. Here, consumers' behaviour of getting more and more information about the high cost products compared to lower products is observed.

Lonial (1983) found that the results of study "Deliberation revisited", as well as earlier studies cited, indicate that very little deliberation ^ involved in the purchase of major consumer appliances. Bhawaniprasad and Kumari (1987) analysed Impact of advertising on consumer durables markets: A study of Refrigerator consumer", in this study a ranking or standing of refrigerator among other consumer durables is studied. Study of 200 owners of Allwyn refrigerator in the twin cities of Hyderabad and Secunderabad and Districts of Nizamabad and Karimnagar in Andhra Pradesh indicates that a very positive impact of advertising is found on the consumer durables market. Kumar. Tandntt and Baker (198 7)27, have asked Made in India: What it means to Indian consumers The study solicited answer from 200 respondents for five categories of image statement on five-point scale. Study confirms that brand images are more specific than country of origin images. Bnyton (1988) has found that consumer goods, which tap low degree of ego-involvement, would be purchased with a relatively lower degree of conscious decision-making activity than goods, which tap higher degree of egoinvolvement. Reddy and Shankaraiah (1988), this study indicates that a product of right quality to someone need not be ideal to another, that is to say, the loyalty or switching depends upon the consumers' perception regarding a product's attributes. Consumer behaviour is not so easy to predict, it is variable and governed by environment in which he operates. S. Bergadar (1990) has analysed the dimension of time in consumer action and is presented in the form of a model of the temporal cognitive system of the individual. A naturalistic approach is used to study a sample of individuals to show, on the one hand, the similarities between individuals on a

principally conceptual level and, on the other hand, the greatest apparent differences between groups of individuals. Two patterns of, temporal attitude with profoundly different sorts of motivation, different plans, the consumption of different types of products, and different specific attitudes that elicit a certain organizational process in relation to products is observed. Bayus (1991), studied "The consumer durable replacement buyer", and found that replacements account for a substantial portion of the sale of consumer durables in the U S. Results of replacement of automobiles indicate that "early" replacement buyers are more concerned with styling and image and less concerned with costs than "late" replacement buyers. Moreover, early replacements have higher income but lower levels of academic achievement and occupational status than late replacement. AIwitt and Prabhakar (1992), have examined functional and belief dimensions of attitudes to television advertising - Implications for copy testing", a survey of 1200 households reveals that demographics, attitudes, people's belief and perceived functions of TV ads are all about equally significant. Only, some demographic groups like, higher income and older respondents have been found to dislike TV ads. Zinkhan and others (1992), have worked on the "Knowledge development and scientific status in consumer behaviour research: A social exchange perspectives". In recent years, consumer behaviour researchers have been increasingly concerned with establishing a unique identity for their field of inquiry. There is a desire to create a body of consumer behaviour knowledge and research that is separate from Marketing, Psychology. Griffitt and Hauser (1993), studied the voice of the customer, which is stated to be a hierarchical set of customer needs, it indicates importance of customer. This paper focused on the tasks of identifying, structuring and

providing for customer needs. Customer interest in and preference these concepts are compared to measured and estimated values. Finally it examined from the viewpoint of achieving customer satisfaction. Oropesa (1993) The increased trend towards senses a lack of understanding of the implications of this phenomenon; study has surveyed married couple households in the US. The timing suggests direct effects to emerge over time as prices fall. Though, the findings do not indicate the presence of direct or indirect effects for the late 1980s, the importance of income for reconciling the mixed pattern of result. Sardar and Dhawale (19975, this study basically intended to analyses how slogans influence the consumer behaviour. Do they have any impact on the buying process? For these problems they have used random survey sampling methods with framed questionnaire. In which, they found that in general slogans do have a very significant impact pn l he buying decisions of the people. But in consumer durables
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purchase its effect become weak

comparatively, because consumer concentrates more on product's features. The study ilso found slogans as motivators. This study included responses of the consumers as well as dealers too. Gardial and others (1994), have found that in contrast to the pre versus post purchase comparison, there are considerably more similarities between post purchase and satisfaction thoughts. Lee and others (1995), have investigated whether consumer treat time like money when they make decisions. In a series of studies, they found that the value of consumers time is not constant but depends on contextual characteristics of the decision situation. Paul and others (1996) worked on "The Asian Consumer Durable Market: With Special Reference to China". The first part of this article

investigates the overall size and growth potential of the Asian consumer market. The second part concentrates on the consumer durable market, which is likely to out-perform the general consumer market, of individual Asian economies. Some of the durable markets are found to have strong potential while others are not that promising. The last part is a detailed study of individual consumer durable markets in China. China was chosen because of its huge market potential. Gupta & Vertna (2000) have done a study under convenience sampling of 50 household of New Delhi by questionnaire. It indicates that husband's influence is considerably higher that the wives. Children also play an active role in brand selection of CTV. Moreover educated and workingwomen influence more than non-working and less educated. Krishnamurthy (2000) found that the industries are agreed on one aspect that the growth rate declined and is declining further. Reason for that is the companies are unable to penetrate their products in rural markets of the country. This paper has discussed the changes that have taken place in the macro environmental factors in India, and their impact on marketing mix and on the Indian consumer behaviour. It also discusses the impact of the changing consumer environment on marketing.