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A

SUMMER INTERNSHIP PROGRAM


SUBMITTED BY : NEHA GUPTA
DIVISION : IT+MARKETING
FACULTY GUIDE : Mr. AMIT
KULSHRESHTHA
COMPANY GUIDE : Mr. MAYANK
PRIYADARSHI
BATCH : 2007-2009
1
A
PROJECT REPORT ON
COMPARISON OF SAING ACCOUNTS OF
DIFFERENT !ANKS IN JAIPUR
For
Submitted to:
Mr.Mayank Priyadarshi
Submitted by:
Neha Gupta
INDIRA SC!!" !F CAR##R S$%DI#S& P%N#' (11)**.
Partia+ Fu+,i++ment o, the Re-uirements o,
Post Graduate Pro.ram
/PGP'Marketin. 0 Internationa+ 1usiness2
1at3h /4))5'4))62
4
CERTIFICATE
$his is to de3+are that I Neha Gupta, student o, post .raduate pro.ram /I$0
M7$2 /2007-2009"& I#$%r& '()**+ *, (&r--r './$%-'0 P/#- has .i8en ori.ina+ data
and in,ormation to the best o, my kno9+ed.e in the pro:e3t report tit+ed
Comparative Ana!"i" o# "avin$ a%%o&nt" o# 'i##erent (an)"*+ And that no part o,
in,ormation has been used ,or any other assi.nment but ,or partia+ ,u+,i++ment o, the
re-uirement to9ards the 3omp+etion o, the said 3ourse.
I a+so a.ree in prin3ipa+ not to share the 8ita+ in,ormation 9ith any other person
outside the or.ani;ation and that I ha8e not submitted it ,or any a9ard or any other
tit+e& de.ree or dip+oma.

Mr. M&1&#2 Pr%1&$&r')% N-)& G/3.&
4!r&#() S&+-' M&#&5-r"
*
ACKNO6LEDGEMENT
$his a3kno9+ed.e is not mere+y a 3ata+o.ue o, names but an e<pression o, a deep
sense o, .ratitude to a++ those 9ho he+ped me in undertakin. this pro:e3t on
3omparison o, sa8in. a33ounts o, di,,erent banks and .eneratin. +eads.
I o9e a .reat dea+ to I#$%r& S()**+ *, C&r--r S./$%-' ,or +ayin. the bui+din. b+o3ks
o, +o.i3 and pra.matism in my +i,e. $his report& in a 9ay is a re,+e3tion o, these
8a+ues.
I 9ou+d +ike to e<press my earnest .ratitude and thanks to Mr. M&1&#2 Pr%1&$&r')%
/1ran3h Sa+es Mana.er2 9ithout 9hose he+p and .uidan3e this pro:e3t 9ou+d ha8e not
been 3omp+ete. I am a+so thank,u+ to my ,a3u+ty .uide Mr.A7%. K/+')r-').)& ,or his
en3oura.ement and .uidan3e throu.hout the pro:e3t.
I am a+so thank,u+ = indebted to M%'' M&7.& A5&r8&+0 M%'' C)&r/ !&9&9 and a++
other senior member 9ith 9hom I intera3ted durin. the 3ourse o, the pro:e3t& ,or
o,,erin. their kind 3ooperation durin. the 3ourse o, the pro:e3t.
$he report is the resu+t o, 3ontributions o, numerous peop+e'too many to mention
indi8idua++y. I
A+so thank a++ the respondents 9ho ha8e .i8en their 8a+uab+e time& 8ie9s and
authenti3 in,ormation ,or this pro:e3t.
I thank my ,ami+y ,or their support in a++ aspe3ts o, my +i,e. I am ob+i.ed to a++ my
3o++ea.ues ,or pro8idin. a home+y en8ironment durin. my pro:e3t and ,or their
8a+uab+e su..estions. $hey ha8e rea++y he+ped me to 9ork in the tou.h en8ironment
N-)& G/3.&
(
INDE:
S-r%&+ T%.+- P&5- N/7;-r
1 #<e3uti8e Summary >
4 Introdu3tion 1)
* Company Pro,i+e 41
( Detai+ed Study o, Company?s Sa8in. A33. 46
@ Pro:e3t **
> Comparison o, Sa8in.s A33. *A
5 Re3ommendations @*
6 "imitations @@
A Buestionnaire @5
1) Con3+usions >)
11 1ib+io.raphy >4
@
EXECUTIVE
SUMMARY
>
<" T%.+- : Comparati8e ana+ysis o, sa8in. a33ounts o, di,,erent banks
2" Or5&#%'&.%*# : 7otak Mahindra 1ank
=" R-3*r.%#5 *,,%(-r : Mr. Mayank Priyadarshi
>" F&(/+.1 5/%$- : Mr. Amit ku+shreshtha
?" S./$-#.@' #&7- : Ms. Neha Gupta
O!JECTIES:
$o study the beha8iour o, 3ustomers to9ards sa8in.s a33ounts o,
di,,erent banks.
$o identi,y market potentia+ ,or di,,erent produ3ts o, 7otak Mahindra
1ank.
$o kno9 peop+e per3eption o, risk& rate o, return& period o,
in8estment& a.e& pro,ession et3.
$o understand 8arious ,a3tors or 3riteria o, se+e3tion in,+uen3in. the
prospe3t?s de3ision.
$o study about the a9areness and interest o, peop+e in di,,erent types
o, sa8in. a33ounts o, 7otak Mahindra 1ank.
$o study about the tar.et 3ustomer and ,uture potentia+.
$o identi,y any parti3u+ar ser8i3e 3ustomers need 9hi3h 3an in3rease
the market share o, 7otak Mahindra 1ank.
SCOPE OF STUDY:
Study on 3onsumer beha8iour 9as done in 3ity o, Caipur .Di,,erent .ender&
a.e .roups and pro,essions o, the popu+ation are studied. $ota+ o, 1)) peop+e
9ere taken ,or study.
RESEARCH METHODOLOGY:
As a market ana+ysist& the resear3h undertaken 3omprised o, ,o++o9in.
ob:e3ti8es:
1asi3 understandin. o, present and ,uture market potentia+.
Ana+ysin. the beha8iour o, di,,erent 3ustomer .roups throu.h
inter8ie9in. and .ettin. the -uestionnaires ,i++ed.
5
Determinin. the satis,a3tion +e8e+ o, e<istin. 3ustomers o, 7otak
1ank.
Ana+ysin. the 3ore ser8i3es o, the 1ank and then 3ombinin. it 9ith
the a++ied ser8i3es o, the 1ank in order to satis,y the au.mented needs
o, the 3ustomers.
RESEARCH DESIGN:
For study both primary data and se3ondary data 9ere re-uired:
Pr%7&r1 $&.& '*/r(-: Sur8ey& usin. a -uestionnaire and inter8ie9 o,
1)) respondents 9as done ,rom di,,erent re.ions o, Caipur.
S-(*#$&r1 '*/r(-: Internet
METHOD OF DATA COLLECTION

MAJOR CONCLUSIONS:
Peop+e in8est in sa8in. a33ounts main+y ,or sa8in.s purpose.
$here is 9ide ran.e o, ser8i3es the bank pro8ides in 3omparison to
other banks.
Peop+e are not mu3h a9are o, the e<isten3e o, the 7otak Mahindra
1ank in their 3ity.
A.e& .ender and in3ome +e8e+ p+ays an important ro+e in se+e3tion o,
,unds.
Amon. the banks studied& the pre,eren3e o, 1anks is as ,o++o9s:
DFC D ICICI D 7!$A7 D S$ANDARD CAR$#D
RECOMMENDATIONS:
$here is a need o, makin. peop+e more kno9+ed.eab+e about the
produ3ts o, 7otak Mahindra 1ank.
Company shou+d do promotiona+ a3ti8ities re.ardin. its ser8i3es and
s3hemes.
6
Primary data Se3ondary data
Buestionnaires
Re,eren3es
Company re3ords
Ne9spapers
Internet
INTRODUCTION
A
LET US FIRST UNDERSTAND A!OUT !ANKING:
E1ankin. businessE means the business o, re3ei8in. money on 3urrent or
deposit a33ount& payin. and 3o++e3tin. 3he-ues dra9n by or paid in by
3ustomers& the makin. o, ad8an3es to 3ustomers& and in3+udes su3h other
business as the Authority may pres3ribe ,or the purposes o, this A3t.
LA6S OF !ANKING:
1ankin. +a9 is based on a 3ontra3tua+ ana+ysis o, the re+ationship bet9een the
;&#2 and the (/'.*7-r. $he de,inition o, bank is .i8en abo8e& and the
de,inition o, 3ustomer is any person ,or 9hom the bank a.rees to 3ondu3t an
a33ount.
T)- +&8 %73+%-' r%5).' &#$ *;+%5&.%*#' %#.* .)%' r-+&.%*#')%3 &' ,*++*8':
$he bank a33ount ba+an3e is the ,inan3ia+ position bet9een the bank and the
3ustomer& 9hen the a33ount is in 3redit& the bank o9es the ba+an3e to the
3ustomer& 9hen the a33ount is o8erdra9n& and the 3ustomer o9es the ba+an3e
to the bank.
$he bank en.a.es to pay the 3ustomerFs 3he-ues up to the amount
standin. to the 3redit o, the 3ustomerFs a33ount& p+us any a.reed
o8erdra,t +imit.
$he bank may not pay ,rom the 3ustomerFs a33ount 9ithout a mandate
,rom the 3ustomer& e... a 3he-ue dra9n by the 3ustomer.
$he bank en.a.es to prompt+y 3o++e3t the 3he-ues deposited to the
3ustomerFs a33ount as the 3ustomerFs a.ent& and to 3redit the pro3eeds
to the 3ustomerFs a33ount.
$he bank has a ri.ht to 3ombine the 3ustomerFs a33ounts& sin3e ea3h
a33ount is :ust an aspe3t o, the same 3redit re+ationship.
1)
$he bank has a +ien on 3he-ues deposited to the 3ustomerFs a33ount& to
the e<tent that the 3ustomer is indebted to the bank.
$he bank must not dis3+ose the detai+s o, the transa3tions .oin.
throu.h the 3ustomerFs a33ount un+ess the 3ustomer 3onsents& there is
a pub+i3 duty to dis3+ose& the bankFs interests re-uire it& or under
3ompu+sion o, +a9.
$hese imp+ied 3ontra3tua+ terms may be modi,ied by e<press a.reement
bet9een the 3ustomer and the bank. $he statutes and re.u+ations in ,or3e in the
:urisdi3tion may a+so modi,y the abo8e terms andGor 3reate ne9 ri.hts&
ob+i.ations or +imitations re+e8ant to the bank'3ustomer re+ationship.
HISTORY OF !ANKING:
T)- ;&#2%#5 %# I#$%& *r%5%#&.-$ 8%.) .)- %#.r*$/(.%*# *, ;&r.-r '1'.-7:
!&r.-r
Man 9as& in the da9n o, history& simp+e and se+,'su,,i3ient. e
+i8ed in 3a8es& ki++ed anima+s 9hen hun.ry and he had no
other 9ants. As time passed& men be.an +i8in. in 8i++a.es and
started to ti++ the .round. !,ten the produ3e o, a ,armer?s ,ie+ds
9as more that he re-uired. Simi+ar+y& a ,isherman o,ten 3au.ht more
than his ,ami+y re-uired. In the idea+ situation& the ,armer 9ou+d e<3han.e his
produ3e ,or ,ish 9ith the ,isherman. $his e<3han.e is kno9n as barter. And
in the idea+ 9or+d they 9ou+d both be 3ontent. o9e8er& a 3omp+i3ation 3ou+d
and 9ou+d arise i, the ,armer did not re-uire or 9ant ,ish. I, the ,armer
re-uired a p+ou.h and the smith re-uires stee+ there 9ou+d be tremendous
and horrendous di,,i3u+ty in mat3hin. those that indi8idua+s had
9ith that 9hi3h they needed. And it 9as on a33ount o, this
di,,i3u+ty o, meetin. needs that the barter system surrendered to
money.
M*#-1
Money 9as 3reated or rather born to redu3e the 8a+ue o, the items peop+e
had to a 3ommon denominator to ,a3i+itate e<3han.e o, produ3ts to satis,y
11
needs. $he ,isherman 9ou+d se++ his ,ish as 9ou+d the ,armer ,or money. $he
,armer 9ou+d thenH armed 9ith the money he has in hand pur3hase a p+ou.h. .
$he ,isherman 9ith the money he has re3ei8ed 9ou+d buy the ,ood he needs
,or his ,ami+y.


$he ear+iest ,orm o, money 9as bones on 9hi3h marks 9ere made to
distin.uish bet9een 8a+ues. Meta+s then be.an to be used I the most
popu+ar bein. .o+d& si+8er and bron;e. Symbo+s& si;es and si.ns on these
di,,ered ,rom time to time and ,rom 3ountry to 3ountry. As men be.an to
tra8e+ ,rom 3ountry to 3ountry to e<3han.e .oods and to trade& bankin. 9as
born.
$he term money is deri8ed ,rom the temp+e o, JCuno MonetaK 9hi3h 9as
used by the Romans as a mint ,or their 3oins.

J*/r#-1 *, ;&#2%#5:
Lithout a sound and e,,e3ti8e bankin. system in India it 3annot ha8e a hea+thy
e3onomy. $he bankin. system o, India shou+d not on+y be hass+e ,ree but it
shou+d be ab+e to meet ne9 3ha++en.es posed by the te3hno+o.y and any other
e<terna+ and interna+ ,a3tors. $he .o8ernmentFs re.u+ar po+i3y ,or Indian bank
sin3e 1A>A has paid ri3h di8idends.
$he ,irst bank in India& thou.h 3onser8ati8e& 9as estab+ished in 156>. From
156> ti++ today& the :ourney o, Indian 1ankin. System 3an be se.re.ated into
three distin3t phases.
P)&'- <:
$he Genera+ 1ank o, India 9as set up in the year 156>. Ne<t 3ame 1ank o,
industan and 1en.a+ 1ank. In 16>@ A++ahabad 1ank 9as estab+ished and ,irst
time e<3+usi8e+y by Indians& Pun:ab Nationa+ 1ank "td. 9as set up in 16A(
9ith head-uarters at "ahore. $here 9ere appro<imate+y 11)) banks& most+y
sma++. $o stream+ine the ,un3tionin. and a3ti8ities o, 3ommer3ia+ banks& the
Go8ernment o, India 3ame up 9ith $he 1ankin. Companies A3t& 1A(A 9hi3h
9as +ater 3han.ed to 1ankin. Re.u+ation A3t 1A(A as per amendin. A3t o,
14
1A>@ /A3t No. 4* o, 1A>@2. Reser8e 1ank o, India 9as 8ested 9ith e<tensi8e
po9ers ,or the super8ision o, bankin. in India as the Centra+ 1ankin.
Authority.
Durin. those days pub+i3 has +esser 3on,iden3e in the banks. Abreast o, it the
sa8in.s bank ,a3i+ity pro8ided by the Posta+ department 9as 3omparati8e+y
sa,er.
P)&'- 2:
Go8ernment took ma:or steps in this Indian 1ankin. Se3tor Re,orm a,ter
independen3e. In 1A@@& it nationa+i;ed Imperia+ 1ank o, India 9ith e<tensi8e
bankin. ,a3i+ities on a +ar.e s3a+e espe3ia++y in rura+ and semi'urban areas. It
,ormed State 1ank o, India to a3t as the prin3ipa+ a.ent o, R1I and to hand+e
bankin. transa3tions o, the %nion and State Go8ernments a++ o8er the 3ountry.
Se3ond phase o, nationa+i;ation Indian 1ankin. Se3tor Re,orm 9as 3arried
out in 1A6) 9ith se8en more banks. $his step brou.ht 6)M o, the bankin.
se.ment in India under Go8ernment o9nership. 1( ma:or 3ommer3ia+ banks in
the 3ountry 9ere nationa+i;ed.
A,ter the nationa+i;ation o, banks& the bran3hes o, the pub+i3 se3tor bank India
rose to appro<imate+y 6))M in deposits and ad8an3es took a hu.e :ump by
11&)))M.
1ankin. in the sunshine o, Go8ernment o9nership .a8e the pub+i3 imp+i3it
,aith and immense 3on,iden3e about the sustainabi+ity o, these institutions.
P)&'- =:
$his phase has introdu3ed many more produ3ts and ,a3i+ities in the bankin.
se3tor in its re,orms measure. In 1AA1& under the 3hairmanship o, M
Narasimham& a 3ommittee 9as set up by his name 9hi3h 9orked ,or the
+ibera+i;ation o, bankin. pra3ti3es.
$he 3ountry is ,+ooded 9ith ,orei.n banks and their A$M stations. #,,orts are
bein. put to .i8e a satis,a3tory ser8i3e to 3ustomers. Phone bankin. and net
bankin. is introdu3ed. $he entire system be3ame more 3on8enient and s9i,t.
$ime is .i8en more importan3e than money.
1*
THE !ANKING SYSTEM IN INDIA:
$he 1ankin. System in India 3onsists o,:
Reser8e 1ank
De8e+opment 1anks
Pub+i3 Se3tor 1ank.
Forei.n 1anks
Pri8ate Se3tor 1anks
Cooperati8e 1anks
Re.iona+ Rura+ 1anks
R-'-rA- ;&#2:
the Reser8e 1ank o, India is the Centra+ 1ank o, the 3ountry 9hose ,un3tion is
to re.u+ate the issue o, 1ank Notes and keepin. o, reser8es 9ith a 8ie9 to
se3urin. monetary stabi+ity in India and .enera++y to operate the 3urren3y and
3redit system o, the 3ountry to its ad8anta.e.E
D-A-+*37-#. ;&#2':
Finan3ia+ institutions dedi3ated to ,und ne9 and up3omin. businesses and
e3onomi3 de8e+opment pro:e3ts by pro8idin. e-uity 3apita+ andGor +oan
3apita+.
P/;+%( S-(.*r !&#2:
$he pub+i3 se3tor is the one 9hose 9orkin. is in the hands o, the Go8ernment.
$he Go8ernment ho+ds a ma:ority stake in pub+i3 se3tor. 1ut due to
pri8ati;ation o, pub+i3 se3tor& their number has been redu3ed to a si.ni,i3ant
e<tent. It may be de,ined as an enterprise 9here there is no pri8ate o9nership
but its a3ti8ities are not main+y 3on,ined to the ma<imi;ation o, pro,its and
pri8ate interests o, the enterprise but it is in,+uen3ed by so3ia+ interests.
F*r-%5# !&#2':
1(
Forei.n bank means a bankin. institution in3orporated or or.ani;ed under the
+a9s o, another 3ountry& or a po+iti3a+ subdi8ision o, a 3ountry other than the
%nited States& that is:
Re.u+ated as su3h by that 3ountryFs or subdi8isionFs .o8ernment or any
a.en3y thereo,H
#n.a.ed substantia++y in 3ommer3ia+ bankin. a3ti8ityH and
Not operated ,or the purpose o, e8adin. the pro8isions o, the A3t.
Pr%A&.- S-(.*r !&#2':
Pri8ate 1anks are banks that are not in3orporated. A non'in3orporated bank is
o9ned by
either an indi8idua+ or a .enera+ partner/s2 9ith +imited partner/s2.
C**3-r&.%A- !&#2':
Cooperati8e banks& a+so 3a++ed mutua+ sa8in.s and +oans& e<ist in most parts o,
the 9or+d. $hey o,,er ,inan3ia+ ser8i3es on a 3ooperati8e basis. A mutua+
sa8in.s bank is a ,inan3ia+ institution 3hartered throu.h a state or ,edera+
.o8ernment to pro8ide a sa,e p+a3e ,or indi8idua+s to sa8e and to in8est those
sa8in.s in mort.a.es& +oans& sto3ks& 1onds and other se3urities. %n+ike
3ommer3ia+ banks& sa8in.s banks ha8e no sto3kho+dersH the entirety o, pro,its
beyond the upkeep o, the bank be+on.s to the depositors o, the mutua+ sa8in.s
bank.
R-5%*#&+ R/r&+ !&#2':
Rura+ bankin. in India started sin3e the estab+ishment o, bankin. se3tor in
India. Rura+ 1anks in those days main+y ,o3ussed upon the a.ro se3tor.
Re.iona+ rura+ banks in India penetrated e8ery 3orner o, the 3ountry and
e<tended a he+pin. hand in the .ro9th pro3ess o, the 3ountry. Nationa+ 1ank
,or A.ri3u+ture and Rura+ De8e+opment /NA1ARD2 is a de8e+opment bank in
the se3tor o, Re.iona+ Rura+ 1anks in India. It pro8ides and re.u+ates 3redit
and .i8es ser8i3e ,or the promotion and de8e+opment o, rura+ se3tors main+y
a.ri3u+ture& sma++ s3a+e industries& 3otta.e and 8i++a.e industries& handi3ra,ts.
It he+ps in se3urin. rura+ prosperity and its 3onne3ted matters.
SECTOR !ANKS:
C-#.r&+ !&#2:
Reser8e 1ank !, India
Pr%A&.- !&#2':
1@
A<is 1ank & 1ank o, Ra:asthan N 1harat !8erseas 1ank N
Catho+i3 Syrian 1ank N Centurion 1ank o, Pun:ab NCity %nion
1ank .De8e+opment Credit 1ank N Dhana+akshmi 1ank NFedera+
1ank N Ganesh 1ank o, 7urund9ad N DFC 1ank NICICI 1ank N
IndusInd 1ank NING Oysya 1ank NCammu = 7ashmir
1ank N7arnataka 1ank "imited N 7arur Oysya 1ank N7otak
Mahindra 1ank N "akshmi Oi+as 1ank NNainita+ 1ank NRatnakar
1ank N S1I Commer3ia+ and Internationa+ 1ank N South Indian
1ank N $ami+nad Mer3anti+e 1ank "td.
F*r-%5# !&#2':-
Citibank N S1C N Standard Chartered
R-5%*#&+ R/r&+ !&#2':-
South Ma+abar Gramin 1ank
C**3-r&.%A- !&#2':-
$he Andaman and Ni3obar State Co'operati8e 1ank "td. $he
Aruna3ha+ Pradesh State 3o'operati8e Ape< 1ank "td. $he
Assam Co'operati8e Ape< 1ank "td $he 1ihar State Co'
operati8e 1ank "td. $he Chandi.arh State Co'operati8e 1ank
"td. $he De+hi State Co'operati8e 1ank "td. $he Goa State Co'
operati8e 1ank "td. $he Gu:arat State Co'operati8e 1ank "td.
$he aryana State Co'operti8e Ape< 1ank "td. $he aryana
State Co'operti8e Ape< 1ank "td.
INDIAN !ANKING TODAY AND TOMORRO6:
$he ,uture o, Indian 1ankin. represents a uni-ue mi<ture o, un+imited
opportunities amidst insurmountab+e 3ha++en.es. !n the one hand 9e see the
s3enario represented by the rapid pro3ess o, .+oba+i;ation present+y takin.
shape brin.in. the 3ommunity o, nations in the 9or+d to.ether& trans3endin.
.eo.raphi3a+ boundaries& in the sphere o, trade and 3ommer3e& and e8en
emp+oyment opportunities o, indi8idua+s. A++ these indi3ate ne9+y emer.in.
1>
opportunities ,or Indian 1ankin.. 1ut on the darker side 9e see the
a33umu+ated morass& brou.ht out by three de3ades o, 3ontro++ed and
re.imented mana.ement o, the banks in the past. It has siphoned pro,itabi+ity
o, the Go8ernment o9ned banks& a33umu+ated b+oated NPA and threatens
Capita+ Ade-ua3y o, the 1anks and their 3ontinued stabi+ity. Nationa+i;ed
banks are hea8i+y o8er'sta,,ed. $he re3ruitment& trainin.& p+a3ement and
promotion po+i3ies o, the banks +ea8e mu3h to be desired. In the nutshe++ the
prob+em is ho9 to shed the +e.a3ies o, the past and adapt to the demands o,
the ne9 a.e.
O# .)- ;r%5).-r '%$- &r- .)- *33*r./#%.%-' *# &((*/#. *, -
$he ad8ent o, e3onomi3 re,orms& the dere.u+ation and openin. o, the
Indian e3onomy to the .+oba+ market& brin.s opportunities o8er a 8ast
and un+imited market to business and industry in our 3ountry& 9hi3h
dire3t+y brin.s added opportunities to the banks.
$he ad8ent o, Re,orms in the Finan3ia+ = 1ankin. Se3tors /the ,irst
phase in the year 1AA4 to 1AA@2 and the se3ond phase in 1AA6 hera+ds
a ne9 9e+3ome de8e+opment to reshape and reor.ani;e bankin.
institutions to +ook ,or9ard to the ,uture 9ith 3ompeten3e and
3on,iden3e. $he 3omp+ete ,reein. o, Nationa+i;ed 1anks /the ma:or
se.ment2 ,rom administered po+i3ies and Go8ernment re.u+ation in
matters o, day to day ,un3tionin. hera+ds a ne9 era o, se+,'
.o8ernan3e and a s3ope ,or e<er3ise o, se+, initiati8e ,or these banks.
$here 9i++ be no more dire3ted +endin.& pre'ordered interest rates& or
in8estment .uide+ines as per di3tates o, the Go8ernment or R1I.
1anks are to be mana.ed by themse+8es& as independent 3orporate
or.ani;ations& and not as e<tensions o, .o8ernment departments.
A33eptan3e o, prudentia+ norms 9ith re.ards to Capita+ Ade-ua3y&
In3ome Re3o.nition and Pro8isionin. are 9e+3ome measures o, se+,
re.u+ation intended to ,ine'tune .ro9th and de8e+opment o, the banks.
It introdu3es a ne9 transparen3y& and the ba+an3e sheets o, banks no9
3on8ey both their stren.th and 9eakness. Capita+ Ade-ua3y and
15
pro8isionin. norms are intended to pro8ide stabi+ity to the 1anks and
prote3t them in times o, 3risis. $hese e-ua++y indu3e a measure o,
3orporate a33ountabi+ity and responsibi+ity ,or .ood mana.ement on
the part o, the banks
"ar.e s3a+e s9it3hin. to hi'te3h bankin. by Indian S3hedu+ed
Commer3ia+ 1anks /SC1s2 throu.h the app+i3ation o, In,ormation
$e3hno+o.y and 3omputeri;ation o, bankin. operations& 9i++
re8o+utiona+ise 3ustomer ser8i3e. $he a.e'o+d methods o, Ppen and
ink? systems are o8er. 1anks no9 9i++ ha8e more emp+oyees a8ai+ab+e
,or business de8e+opment and 3ustomer ser8i3e ,reed ,rom the needs
o, book'keepin. and ,or 3astin. or ta++yin. ba+an3es& as it 9as ear+ier.
A++ these 9e+3ome 3han.es to9ards 3ompetiti8e and 3onstru3ti8e bankin.
3ou+d not ho9e8er& de+i8er -ui3k bene,its on a33ount insurmountab+e 3arried
o8er prob+ems o, the past three de3ades.
$he ,uture o, Indian 1ankin. is dependent on the su33ess o, its e,,orts as to
ho9 it shakes o,, these a33umu+ated past +e.a3ies and 3arried ,or9ard ai+ments
and ho9 it re.enerates itse+, to a8ai+ the ne9 8istas o, opportunities to be ab+e
to turn Indian 1ankin. to Internationa+ Standards.
CURRENT POSITION OF !ANKING IN INDIA:
Current+y& bankin. in India is .enera++y ,air+y mature in terms o, supp+y&
produ3t ran.e and rea3h'e8en thou.h rea3h in rura+ India sti++ remains a
3ha++en.e ,or the pri8ate se3tor and ,orei.n banks. In terms o, -ua+ity o, assets
and 3apita+ ade-ua3y& Indian banks are 3onsidered to ha8e 3+ean& stron. and
transparent ba+an3e sheets re+ati8e to other banks in 3omparab+e e3onomies in
its re.ion. $he Reser8e 1ank o, India is an autonomous body& 9ith minima+
pressure ,rom the .o8ernment. $he stated po+i3y o, the 1ank on the Indian
Rupee is to mana.e 8o+ati+ity but 9ithout any ,i<ed e<3han.e rate'and this has
most+y been true.
Lith the .ro9th in the Indian e3onomy e<pe3ted to be stron. ,or -uite some
time'espe3ia++y in its ser8i3es se3tor'the demand ,or bankin. ser8i3es&
16
espe3ia++y retai+ bankin.& mort.a.es and in8estment ser8i3es are e<pe3ted to
be stron.. !ne may a+so e<pe3t M=as& takeo8ers& and asset sa+es.
In Mar3h 4))>& the Reser8e 1ank o, India a++o9ed Larbur. Pin3us to in3rease
its stake in K*.&2 M&)%#$r& !&#2 /a pri8ate se3tor bank2 to 1)M. $his is the
,irst time an in8estor has been a++o9ed to ho+d more than @M in a pri8ate
se3tor bank sin3e the R1I announ3ed norms in 4))@ that any stake e<3eedin.
@M in the pri8ate se3tor banks 9ou+d need to be 8etted by them.
Current+y& India has 66 s3hedu+ed 3ommer3ia+ banks /SC1s2 ' 45 pub+i3 se3tor
banks /that is 9ith the Go8ernment o, India ho+din. a stake2a,ter mer.er o,
Ne9 1ank o, India in Pun:ab Nationa+ 1ank in 1AA*& 4A pri8ate banks /these
do not ha8e .o8ernment stakeH they may be pub+i3+y +isted and traded on sto3k
e<3han.es2 and *1 ,orei.n banks. $hey ha8e a 3ombined net9ork o, o8er
@*&))) bran3hes and 15&))) A$Ms. A33ordin. to a report by ICRA "imited& a
ratin. a.en3y& the pub+i3 se3tor banks ho+d o8er 5@ per3ent o, tota+ assets o,
the bankin. industry& 9ith the pri8ate and ,orei.n banks ho+din. 16.4M and
>.@M respe3ti8e+y.
1A
COMPANY
PROFILE
4)
A!OUT THE !ANK:
7otak Mahindra is one o, IndiaFs +eadin. ,inan3ia+ 3on.+omerates& o,,erin.
3omp+ete ,inan3ia+ so+utions that en3ompass e8ery sphere o, +i,e. From
3ommer3ia+ bankin.& to sto3k brokin.& to mutua+ ,unds& to +i,e insuran3e& to
in8estment bankin.& the .roup 3aters to the ,inan3ia+ needs o, indi8idua+s and
3orporate.
HISTORY
$he 7otak Mahindra Group 9as born in 1A6@ as 7otak Capita+ Mana.ement
Finan3e "imited. $his 3ompany 9as promoted by %day 7otak& Sidney A. A.
Pinto and 7otak = Company. Industria+ists arish Mahindra and Anand
Mahindra took a stake in 1A6>& and thatFs 9hen the 3ompany 3han.ed its name
to 7otak Mahindra Finan3e "imited.
S%#(- .)-# %.B' ;--# & '.-&$1 &#$ (*#,%$-#. 9*/r#-1 .* 5r*8.) &#$ '/((-''.
1A6> 7otak Mahindra Finan3e "imited starts the a3ti8ity o, 1i++ Dis3ountin.
1A65 7otak Mahindra Finan3e "imited enters the "ease and ire Pur3hase market
1AA) $he Auto Finan3e di8ision is started
1AA1
$he In8estment 1ankin. Di8ision is started. $akes o8er FIC!M& one o,
IndiaFs +ar.est ,inan3ia+ retai+ marketin. net9orks
1AA4 #nters the Funds Syndi3ation se3tor
1AA@
1rokera.e and Distribution businesses in3orporated into a separate 3ompany
' 7otak Se3urities. In8estment 1ankin. di8ision in3orporated into a separate
3ompany ' 7otak Mahindra Capita+ Company
1AA> $he Auto Finan3e 1usiness is hi8ed o,, into a separate 3ompany ' 7otak
Mahindra Prime "imited /,ormer+y kno9n as 7otak Mahindra Primus
"imited2. 7otak Mahindra takes a si.ni,i3ant stake in Ford Credit 7otak
Mahindra "imited& ,or ,inan3in. Ford 8ehi3+es. $he +aun3h o, Matri<
In,ormation Ser8i3es "imited marks the GroupFs entry into in,ormation
41
distribution.
1AA6
#nters the mutua+ ,und market 9ith the +aun3h o, 7otak Mahindra Asset
Mana.ement Company.
4)))
7otak Mahindra ties up 9ith !+d Mutua+ p+3. ,or the "i,e Insuran3e business.
7otak Se3urities +aun3hes its on'+ine brokin. site /no9
999.kotakse3urities.3om2. Commen3ement o, pri8ate e-uity a3ti8ity
throu.h settin. up o, 7otak Mahindra Oenture Capita+ Fund.
4))1
Matri< so+d to Friday Corporation
"aun3hes Insuran3e Ser8i3es
4))*
7otak Mahindra Finan3e "td. 3on8erts to a 3ommer3ia+ bank ' the ,irst Indian
3ompany to do so.
4))( "aun3hes India Gro9th Fund& a pri8ate e-uity ,und.
4))@
7otak Group rea+i.ns :oint 8enture in Ford CreditH 1uys 7otak Mahindra
Prime /,ormer+y kno9n as 7otak Mahindra Primus "imited2 and se++s Ford
3redit 7otak Mahindra.
"aun3hes a rea+ estate ,und
4))>
1ou.ht the 4@M stake he+d by Go+dman Sa3hs in 7otak Mahindra Capita+
Company and 7otak Se3urities.
PRESENT:
$he .roup has a net 9orth o, o8er Rs. @&64( 3rore& emp+oys around 4)&)))
peop+e in its 8arious businesses and has a distribution net9ork o, bran3hes&
,ran3hisees& representati8e o,,i3es and sate++ite o,,i3es a3ross *5) 3ities and
to9ns in India and o,,i3es in Ne9 Qork& "ondon& San Fran3is3o& Dubai&
Mauritius and Sin.apore. $he Group ser8i3es around (.( mi++ion 3ustomer
a33ounts.
44
THE CORPORATE IDENTITY:
!OARD OF DIRECTORS:

4*
Dr. S)&#2&r A()&r1&
Non'#<e3uti8e Part'time Chairman
Mr. U$&1 K*.&2
#<e3uti8e Oi3e'Chairman and Mana.in. Dire3tor
Mr. K.M. G)-r$&
1oard o, the 1ank as a Non' #<e3uti8e Dire3tor.
4(
Mr. A#&#$ M&)%#$r&
Co'Promoter o, the 1ank
Mr. C1r%+ S)r*,,
So+i3itor& i.h Court& Mumbai and Ad8o3ate on re3ord&
Supreme Court o, India
Mr. Pr&$--3 N. K*.&2
Chairman and Mana.in. Dire3tor o, 7otak A.ri Internationa+
Pri8ate "imited
Mr. S)%A&9% D&7
"ed the 7otak Group into the +i,e insuran3e business and
Mana.in. Dire3tor o, 7otak Mahindra !+d Mutua+ "i,e
Insuran3e "imited
KEY GROUP COMPANIES AND THEIR !USINESSES:
K*.&2 M&)%#$r& !&#2:
$he 7otak Mahindra GroupFs ,+a.ship 3ompany& 7otak Mahindra Finan3e "td
9hi3h 9as estab+ished in 1A6@& 9as 3on8erted into a bank' 7otak Mahindra
1ank "td in Mar3h 4))* be3omin. the ,irst Indian 3ompany to 3on8ert into a
1ank. Its bankin. operations o,,er a 3entra+ p+at,orm ,or 3ustomer
re+ationships a3ross the .roupFs 8arious businesses. $he bank has presen3e in
Commer3ia+ Oehi3+es& Retai+ Finan3e& Corporate 1ankin.& $reasury and
ousin. Finan3e.
K*.&2 M&)%#$r& C&3%.&+ C*73&#1:
4@
Mr. D%3&2 G/3.&
#<e3uti8e Dire3tor&
Mr. C. J&1&r&7
#<e3uti8e Dire3tor& in 3har.e o,
the Lea+th Mana.ement 1usiness
Mr. A'%7 G)*')
Additiona+ Dire3tor o, the
1ank
7otak Mahindra Capita+ Company "imited /7MCC2 is IndiaFs premier
In8estment 1ank. 7MCCFs 3ore business areas in3+ude #-uity Issuan3es&
Mer.ers = A3-uisitions& Stru3tured Finan3e and Ad8isory Ser8i3es.
K*.&2 S-(/r%.%-':
7otak Se3urities "td. is one o, IndiaFs +ar.est brokera.e and se3urities
distribution houses. !8er the years& 7otak Se3urities has been one o, the
+eadin. in8estment brokin. houses 3aterin. to the needs o, both institutiona+
and non'institutiona+ in8estor 3ate.ories 9ith presen3e a++ o8er the 3ountry
throu.h ,ran3hisees and 3oordinators. 7otak Se3urities "td. o,,ers on+ine
/throu.h 999.kotakse3urities.3om2 and o,,+ine ser8i3es based on 9e++'
resear3hed e<pertise and ,inan3ia+ produ3ts to non'institutiona+ in8estors.
K*.&2 M&)%#$r& Pr%7-:
7otak Mahindra Prime "imited /7MP2 /,ormer+y kno9n as 7otak Mahindra
Primus "imited2 has been ,ormed 9ith the ob:e3ti8e o, ,inan3in. the retai+ and
9ho+esa+e trade o, passen.er and mu+ti uti+ity 8ehi3+es in India. 7MP o,,ers
3ustomers retai+ ,inan3e ,or both ne9 as 9e++ as used 3ars and 9ho+esa+e
,inan3e to dea+ers in the automobi+e trade. 7MP 3ontinues to be amon. the
+eadin. 3ar ,inan3e 3ompanies in India.
K*.&2 M&)%#$r& A''-. M&#&5-7-#. C*73&#1:
7otak Mahindra Asset Mana.ement Company 7otak Mahindra Asset
Mana.ement Company /7MAMC2& a subsidiary o, 7otak Mahindra 1ank& is
the asset mana.er ,or 7otak Mahindra Mutua+ Fund /7MMF2. 7MMF
mana.es ,unds in e<3ess o, Rs 1>&1)) 3rore and o,,ers s3hemes 3aterin. to en
4>
DETAILED STUDY
OF COMPANYS
SAVINGS
ACCOUNTS
45
KOTAK@S SAINGS ACCOUNT:
7otak?s Sa8in.s A33ounts are desi.ned to ensure that the 3ustomers re3ei8e
the bene,its o, -ui3k = 3on8enient bankin. transa3tions a+on. 9ith options ,or
their money to earn hi.h returns. $he sa8in.s a33ount .oes beyond the
traditiona+ ro+e o, sa8in.s& to pro8ide them a ran.e o, ser8i3es ,rom ,unds
trans,er options to on+ine payments o, bi++s to attra3ti8e returns earned throu.h
a 3omprehensi8e suite o, in8estment options. $hey ha8e a number o, 8ariants
o, sa8in.s a33ounts 3ustomi;ed to suit indi8idua+ needs so that they 3an pi3k
the one that mat3hes their re-uirements = sit ba3k to en:oy the 7otak
e<perien3eR
&r%&#.' *, S&A%#5 A((*/#.:
A3e Sa8in.s A33ount
Pro Sa8in.s A33ount
#d.e Sa8in.s A33ount
No8a Sa8in.s A33ount
C+assi3 Sa8in.s A33ount ' a8ai+ab+e on+y in se+e3t +o3ations
#asy Sa8in.s A33ount
ACE SAINGS ACCOUNTS:
Key Features
Free a33ess at a++ domesti3 and internationa+ OISA A$Ms
Free in8estment a33ount
Dedi3ated re+ationship mana.er
!n+ine tradin. a33ount
At'ome ser8i3es

7otak Mahindra 1ankFs A3e Sa8in.s A33ount has been desi.ned as a .ate9ay to a
9or+d o, ,inan3ia+ bene,its and pri8i+e.ed bankin. transa3tions. $he a33ount 3arries
46
bene,its ran.in. ,rom persona+ in8estment ad8isory ser8i3es to 3on3ier.e ser8i3es to
,ree bankin. transa3tions.
Pr* S&A%#5 A((*/#.':
K-1 F-&./r-':
Free A$M a33ess a++ domesti3 OISA A$M net9ork
Free in8estment a33ount
Bui3k and easy ,unds trans,er
Dedi3ated re+ationship mana.er


7otak Mahindra 1ankSs Pro Sa8in.s A33ount is an a33ount pa3ked 9ith po9er,u+
,eatures to pro8ide 3ustomers 9ith a superior bankin. e<perien3e at a 8ery
3om,ortab+e ba+an3e re-uirement. 1ank pro8ides re+ationship mana.er 9ho 9i++
spe3i,i3a++y take 3are o, 3ustomers bankin. and in8estment needs.
E$5- S&A%#5 A((*/#.':
,e! Feat&re"-
Lide A$M a33ess
Finan3ia+ payments ,a3i+itated throu.h the sa8in.s a33ount
Bui3k and easy ,unds trans,er

7otak Mahindra 1ankSs #d.e Sa8in.s A33ount is a 3omp+ete ,inan3ia+ pa3ka.e
3ustomi;ed to suit your indi8idua+ bankin. needs. !ur 3onstant #ndea8our is to
enab+e re.u+ar ,inan3ia+ transa3tions throu.h our on+ine p+at,orm so that most o, your
payments 3an be made dire3t+y throu.h your a33ount or 3ard.
4A
K-1 F-&./r-'
Greater A$M a33ess throu.h the 7otak Mahindra
1ank Debit Card
Finan3ia+ payments ,a3i+itated throu.h the sa8in.s
a33ount
Bui3k and easy ,unds trans,er
N*A& S&A%#5 A((*/#.'
7otak Mahindra 1ankSs No8a Sa8in.s A33ount is a 3omp+ete ,inan3ia+ pa3ka.e
3ustomi;ed to suit your indi8idua+ bankin. needs. !ur 3onstant endea8or is to enab+e
re.u+ar ,inan3ia+ transa3tions throu.h our on+ine p+at,orm so that most o, your
payments 3an be made dire3t+y throu.h your a33ount or 3ard.
C+&''%( S&A%#5 A((*/#.'
K-1 F-&./r-'
Free A$M a33ess a++ domesti3 OISA A$M net9ork
Free in8estment a33ount
Bui3k and easy ,unds trans,er
Attra3ti8e returns
Dedi3ated re+ationship mana.er
7otak Mahindra 1ankSs C+assi3 Sa8in.s A33ount is an a33ount pa3ked 9ith po9er,u+
,eatures to pro8ide you a superior bankin. e<perien3e at a 8ery 3om,ortab+e ba+an3e
re-uirement. Le pro8ide you a re+ationship mana.er 9ho 9i++ spe3i,i3a++y take 3are o,
your bankin. and in8estment needs.
*)
$ry the bene,its o, this a33ount and you 9i++ ne8er 9ant to bank e+se9hereR
E&'1 S&A%#5 A((*/#.'
K-1 F-&./r-'
#asy to maintain& hass+e',ree sa8in.s a8enue
Qou need an easy to maintain& hass+e',ree sa8in.s a8enue ,or your hard'earned
money. Le o,,er you the 7otak #asy Sa8in.s A33ount& armed 9ith Fuser'
,riend+yF Con8enien3e 1ankin. ,a3i+ities. $he 7otak #asy Sa8in.s A33ount is a
3on8enient 9ay to make your money 9ork harder.
*1
PROJECT
*4
PROJECT TITLE:
C*73&r&.%A- &#&+1'%' *, '&A%#5' &((*/#.' *, $%,,-r-#. ;&#2'
O!JECTIE OF THE PROJECT:
"earnin. in the 3+assroom is partia+ un+ess it is added 9ith pra3ti3a+ e<perien3e
and trainin.. $rainin. is the most important part o, +earnin. in any te3hni3a+
and pro,essiona+ edu3ation. #<posin. the youn. prospe3ti8e e<e3uti8e to the
a3tua+ business industria+ en8ironment not on+y broaden their hori;on but a+so
he+ps them to e,,e3ti8e+y .rasp the 8arious an.e+s o, business. $hat 9i++
bene,i3ia+ ,or them 9hen they a3tua++y 3ome to o33upy the e<e3rati8e position.
It is an aim that pra3ti3a+ trainin. o, sma++ duration ob8ious+y had been made
8a+uab+e and indispensab+e o, the M1A de.ree.
H-#(- .)- *;9-(.%A- *, .)- 3r*9-(. %':
$o .et the pra3ti3a+ kno9+ed.e about the market resear3h.
$o ,ind prospe3ti8e 3ustomer ,or the 7otak Mahindra 1ank and to ,ind
the produ3t potentia+ in the market.
$o make 3ustomer in,ormati8e about the te3hno+o.y o,,ered.
Study ho9 ne9 distribution 3hanne+s su3h as Internet 1ankin.& A$M
,a3i+ity& Phone 1ankin. ha8e 3han.ed the ,a3e o, the 1ankin. industry.
$o make re3ommendation and su..estion about the s3ope and
Feasibi+ity ,or 7otak Mahindra 1ank?s produ3ts.
**
O!JECTIE OF STUDY:
Pr%7&r1:
Ana+ysis and e8a+uation o, 3ustomer s satis,a3tion 9ith respe3t to
produ3t per,orman3e.
$o determine the main 3hara3teristi3 9hi3h 3ustomers +ook upon 9hi+e
pur3hasin. and se+e3tin. the produ3tT
$o determine the other brand those are 3ompetin. 9ith the same
produ3t ran..
S-(*#$&r1:
Ser8i3e +e8e+ and 3hanne+ asso3iate approa3h.
$o ,ind the +e8e+ o, brand a9areness.
$o ,ind out the 3ompany market share.
First+y +earned about the di,,erent types o, sa8in.s a33ounts the 1ank had and
their ,eature.$hen 9as moti8ated to introdu3e the produ3t to the prospe3ts
throu.h te++e 3a++in. and appointments.
$hen 9as asked to prepare a -uestionnaire and 3ondu3t a market resear3h ,or
the 1ank?s produ3ts ans ser8i3es.
METHODOLOGY OF THE STUDY:
R-'-&r() M-.)*$*+*51:
Resear3h as a mean o, .ettin. kno9+ed.e 3an be 3arried out either arbitrari+y or in a
systemati3 ,ashion. It is a purposi8e in8esti.ation.
Resear3h may be a mean to kno9 the sma++ 3han.e and time ,or3ed upon us as
indi8idua+ or as a so3iety. Resear3h as pro3ess in8o+8es de,inin. the prob+em&
,ormu+atin. the hypothesis& or.ani;in. and e8a+uatin. the data& deri8in. in,eren3e and
3on3+usion a,ter 3are,u+ testin..
DATA COLLECTION:
As data is re-uired ,or any resear3h a3ti8ity& it is 3o++e3ted by usin.
*(
1oth the Primary and Se3ondary as ,o++o9s:
Pr%7&r1 D&.&:
I ha8e 3o++e3ted this data throu.h dis3ussion 9ith o,,i3ers
S-(*#$&r1 D&.&:
$his data is 3o++e3ted ,rom di,,erent sour3es a8ai+ab+e 3onso+idated
From book pub+i3ation reports& 9ebsites 9here used as a sour3e o, se3ondary data in
order to do this pro:e3t and to 3o++e3t ne3essary data. I ha8e used the manua+s and
+ea,+ets o, the bank
SCOPE OF STUDY:
Spe3ia+ area to be ,o3used ,or in3reasin. the sa+es and ,or sa+es
promotion a3ti8ities to be adopted.
$o make produ3t more inno8ati8e and easy to understand
For pro8idin. ma<imum satis,a3tion to the 3ustomer by kno9in. their
needs and re-uirement about produ3t and ser8i3es.
Steps to be taken at present ,or sur8i8a+ and ,a3in. the 3ompetition
9ith other e-ui8a+ent produ3t.
Continues impro8ement and ,or better mana.ement.
Maintainin. .ood re+ation bet9een mana.er and 3ustomers
*@
:
DEFINITION OF SAINGS ACCOUNTS:
An a33ount at a bank or other sa8in.s institution in 9hi3h indi8idua+s 3an keep money
that is readi+y a33essib+e& but on 9hi3h a re+ati8e+y sma++ interest rate is paid. 1anks&
3redit unions& and sa8in.s and +oan institutions o,,er sa8in.s a33ounts. $he interest
earned on the a33ounts is ta<ab+e.
I#.-r-'. P&%$:
Interest on the is determined in a33ordan3e 9ith dire3ti8es o, the Reser8e 1ank
o, India.
Interest is 3a+3u+ated on the minimum 3redit ba+an3e bet9een the 3+ose o, the
business on the 1)
th
. = the +ast day o, ea3h 3a+endar month.
Interest is paid on -uarter+y rests.
E+%5%;%+%.1:
Indi8idua+s $rusts G So3ieties G Charitab+e !r.ani;ation
%F?s / ,or indi8idua+s ,or the so+e purpose o, sa8in.s = not ,or the purpose o,
business 2
Resident Indians = Forei.n Nationa+s.
DOCUMENTATION:
D*(/7-#.&.%*# ,*r -'.&;+%')%#5 Pr**, *, A$$r-'':
Passport /not e<pired2.
Permanent dri8in. "i3ense /not e<pired2.
$e+ephone bi++G #+e3tri3ity bi++ o, pub+i3 and pri8ate operators in the state /not
o+der than * months ,rom the date o, aG3 openin.2.
Ration 3ard.
#+e3tion 3ardG 8oters ID /i, it has address2.
1ank AG3 statement o, a PS%GPri8ate se3torG ,orei.n bank /not o+der than *
months ,rom the date o, aG3 openin.2.
"etterGMonth+y out.oin.s bi++ /on+y ,rom re.istered so3ieties2.
Copy o, ori.ina+ tit+e deed.
*>
:
"easeG"ea8e = "i3ense a.reement G Rent a.reement 3opy du+y stamped
a33ompanied by CPO done by bran3h sta,,.
"atest property ta< bi++G property ta< paid re3eipt.
Senior Citi;en Card issued by the stateG 3entra+ Go8t. o, India/i, it has address2.
Mobi+e Post'paid bi++ o, pub+i3Gpri8ate operators in India.
Consumer .as 3onne3tion 3ardGbook.
Domi3i+e 3erti,i3ate 9ith 3ommuni3ation address issued by Muni3ipa+
Corporation.
Arms "i3ense issued by the stateG3entra+ Go8t. o, India authority 9hi3h 3ontains
photo.raph o, the app+i3ant.
Photo ID 3ard 9ith photo.raph /issued by C=7 = Goat state .o8t.2.
Photo So3ia+ Se3urity Card issued by the Centra+Gstate .o8t. G%nion territories.
Pension payment 3ard issued by the stateG 3entra+ Go8t. o, India 9ith photo.raph
o, the app+i3ant. /Issued by Andhra Pradesh .o8t.2.
*5
:
COMPARISON OF
SAVINGS ACCOUNTS
OF DIFFERENT BANKS
*6
:
KOTAK
MAHINDRA
HDFC ICICI STANDARD
CHARTED
Saving A/C
1)Edge*
2)pro*
3)Ace*
Types of Account
1)Savings Max Account
2) Savings !us Account

3) Savings "egu!ar Account
Average
#uarter!y
$a!ance
"e%uire&ent
An Average
#uarter!y $a!ance of
"s'1() (((/
A!"ess p#us a$"
Par%&aar a$"

Aasaa' a$"

Super &a#ue a$"
N( )r%##s a$"

De*at a$"
+ %' , a$"
C(rp(rate
sa#ary a$"
*A
:
C*arges p'a

1) "s +,(/
2) "s +,(/

3) "s 12((/

Average #uarter!y $a!ance
"e%uire&ent -

1) Savings Max Account
2,)(((
2) Savings !us Account
1()(((

3) Savings "egu!ar Accoun
t
,)(((

Average 1) Min'
#uarter!y
"s1((((.A#$)
$a!ance) /on
Maintenance
C*arges
a) 0f A#$ in t*e
Savings Account 1 2
"s'1() (((/
/o C*arges
3) 0f A#$ in t*e
Savings Account 4 2
"s'1() (((
+,(/per %uarter
c) 5e3it Card
C*arges
"s' 66/year!y
d) 0f t*e a&ount is
transfer fro& ot*er
state !i7e 8e open
our account in 5e*!i
()
:

a- Sa&%'.s Ma! A""(u't
$ranc* and so&eo
ne
is transfer &oney
fro& M'' or ot*er
state -
er transaction
c*arges 1)((( -
"s',
5e3it card free "s' 66/ p'a 5e3it cards
"s 2((

Average #uarter!y $a!ance
"e%uire&ent

An Average #uarter!y
$a!ance of "s'2,) (((/

9"EE :9 C:ST
or
A 9ixed 5eposit for "s'
1) (()(((/ !in7ed to a ;ero
$a!ance Sa&%'.' A((*/#.
C<E#=E $::> ?


9"EE :9 C:ST
Stop pay&ent

Sing!e
c*e%ue?
"s 1((
Mu!tip!e
(1
:
;" S&A%#5' P+/' A((*/#.
Che3k book
Rs.4G' +ea,
AA-r&5- C/&r.-r+1
!&+&#(- R-D/%r-7-#.
A# AA-r&5- C/&r.-r+1
!&+&#(- *, R'.<00 000E
Or
A F%F-$ D-3*'%. ,*r R'.?00000E-
+%#2-$ .* & G-r* !&+&#(- S&A%#5'
A((*/#.
AA-r&5- C/&r.-r+1 !&+&#(-
N*# 7&%#.-#&#(- C)&r5-' H
&" I, AC! %# .)- S&A%#5'
A((*/#.IJR'.<00 000E

Or
FD ;&+&#(-IJR'. ?00000E

N* ()&r5-'
;" I, .)- FD ;&+&#(-KR'.
?00000E &#$

T)- AC! %# .)- '&A%#5'
A((*/#.:
(" I, .)- ;&+&#(- %' ;-.8--# R'.
?0000E &#$ R'. <00000 E

R'. 7?0E 3-r D/&r.-r
$" I, .)- ;&+&#(- %' KR'.
?0000E
R'. <0000E 3-r D/&r.-r
F-&./r-'
&" Fr-- .r&#'&(.%*#' *#
S!IEA#$)r& !&#2 ATM' 3-r
7*#.).
;" = ,r-- .r&#'&(.%*#' *# &#1
*.)-r ;&#2 ATM' 3-r 7*#.).
(" Fr-- 3&1&;+- &. 3-r
()-D/- ;**2 8%.)*/. &#1
/'&5- ()&r5- /3 .* & +%7%. 7*#.).
(4
:
d) 9ree internationa! de3it
card for a!! account *o!ders )
for !ife
e) 9ree de&and draft on <59C
$an7 !ocations) up to a
!i&it of "s'2,) (((/ per
day'
f) 9ree 3i!! pay and insta A!ert'
g) 2,@ oA on t*e !oc7er renta!
for t*e 1st year'
Cas* de!ivery

9ree 1 per day
"- Sa&%'.s Re.u#ar A""(u't/
Account
c!osure
.8it*in B &ont
*s
fro& t*e date
of
opening) "s ,(
(
Mont*!y free
Average #uarter!y $a!ance
"e%uire&ent
An Average #uarter!y $a!ance
of "s',) (((/at ur3an 3an7
3ranc*es and "s'2) ,((/ at rura!
3an7 3ranc*es'
:r
A 9ixed 5eposit for "s' ,()(((/
!in7ed to a ;ero $a!ance Savings
Account'

Average #uarter!y $a!ance
/on &aintenance
C*arges -
"s'+,(/ per %uarter
0f t*e A#$ is 3e!o8 "s'
,(((/ at ur3an 3an7 3ran
c*es
5up!icate
account
state&ents?

=p to 3
&ont*s o!d "s
1((

More t*an 3
&ont*s "s 1,(
(*
:
Specia! c*arges

C*e%ues?
5eposit Creturned
!oca! "s 3(('

5eposit Creturned
out
"s 3(('

Stop pay&ent "s
1(('

5e&and draft?
Cance!!ation "s
1(('

T:5
c*arges"ps'2,(/
5e&and draft
cance!!ation "s
2,(
ATM c*arges?

artner free
D0SA ATM do&estic
"s' ,(
D0SA ATM cas*
8it*dra8
internationa! "s'6(
ay&ent order
issue "s +,
:T<E"S?

At *o&e c*arges

"egistration fee "s
2(( p'a
ay&ent order
cance!!ation
"s 2,(
CertiEcate issuance
current year 3a! C
int' free previous y
ear
3a!'C int' "s 1(('

T5S issuance free'

5up!icate issuance
"ps'1(('

Account
&aintenance free'

$a!ance
confor&ation free
:T<E" 9eatures
a) 9reedo& account

3) 5e3it card 8*ic*
can 3e used any 8are

c) *one $an7ing
d) 0nternet $an7ing
((
:
DATA ANALYSIS:
I#.r*$/(.%*#:
Data ana+ysis and interpretation p+ays an important ro+e in turnin. -uantity o, paper into
de,ensib+e& a3tionab+e sets o, 3on3+usions and reports. It is a3tua++y a set o, method and
te3hni-ue that 3an be used to obtain in,ormation and insi.hts ,rom data.
It 3an +ead the resear3her to in,ormation and insi.hts that 9ou+d not be a8ai+ab+e. It 3an
he+p to a8oid erroneous :ud.ments and 3on3+usion. It 3an pro8ide a ba3k.round to he+p
interpret and understand ana+ysis 3ondu3ted by others. 7no9+ed.e o, po9er o, data
ana+ysis te3hni-ues 3an 3onstru3ti8e+y in,+uen3e resear3h ob:e3ti8es and resear3h desi.n.
DATA TA!LE NO <
MARKET COERAGE OF THE COMPETITIE !ANKS INCLUDING KOTAK MAHINDRA
!ANK LTD:
!ANK NAME NO OF RESPONDENTS PERCENTAGE OF
RESPONDENTS
HDFC 22 22L
ICICI 2? 2?L
K*.&2 M&)%#$r& ;&#2 <> <>L
CO-OPERATIES 9 9L
OTHERS M ML
POTENTIAL MARKET 22 22L
TOTAL <00 <00L
ICICI 1ank "td s3ores top position in market 3o8era.e o, Sa8in. a33ount in 7ota Re.ion.
DFC 1ank .ets a se3ond position.
7!$A7 MAINDRA 1AN7 takes the third position.$he amount o, potentia+ market is as hi.h
as 44M
GRAPH NO <
MARKET COERAGE OF THE COMPETITIE !ANKS
(@
:
TA!LE NO 2
MARKET POTENTIAL FOR ARIOUS SAING ACCOUNT
T13-' *, &((*/#.' N* *, C*73&#%-' P-r(-#.&5- *, (*73&#%-'
Pr* S&A%#5' A((*/#.' >2 >2L
E$5- S&A%#5' A((*/#. 20 20L
A(- S&A%#5' A((*/#. <= <=L
N*A& S&A%#5' A((*/#. N
E&'1 S&A%#5' A((*/#.
2? 2?L
T*.&+ <00 <00L
NO OF RESPONDENTS
HDFC
22%
ICICI
25%
UTI
14%
KOTAK MAHINDRA
BANK
9%
OTHERS
8%
POTENTIAL
MARKET
22%
HDFC
ICICI
UTI
KOTAK MAHINDRA
$S A SA$ISFI#ird positionUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU
OTHERS
POTENTIAL MARKET
(>
:
INTERPRETATION
!ut o, the a++ type o, sa8in. a33ounts market potentia+ o, sa8in. Re.u+ar A33ount is (4M 9hi3h
is hi.hest .Se3ond hi.hest market potentia+ is ,or 7ids Ad8anta.e A33ount is 4@M.
TA!LE NO =
CUSTOMERS SELECTION PARAMETERS OF HDFC !ANK LTD
PARAMETERS OF !ANK
SELECTION
PERCENTAGE OF
CUSTOMER CHOICE
!RAND NAME 2=.O0L
PERIOUS E:PERIENCE 22.>0L
RELIA!ILITY 22.<0L
EASY ACCESS <9.M0L
!ANKING HOURS <>.<0L
42
20
13
25
42% 20% 13% 25%
0
5
10
15
20
25
30
35
40
45
P
R
O

S
A
V
I
N
G
EDGE
SAVING
A
C
E

S
A
V
I
N
G

N
O
V
A

+
S
A
V
I
N
G
N ! C"#$%&'(
P')*'%+$,' !
*"#$%&'(
(5
:
INTERPRETATION
ATM N-.8*r2 *, ICICI !&#2 is rated e<3e++ent /6)M2. Fo++o9ed by DFC 1ank /5@M2.
UTI !&#2 5-.' .)%r$ 3*'%.%*#. 470L"
KOTAK MAHINDRA !&#2' &r- r&.-$ &' ,&%r ;1 =0L *, .)- r-'3*#$-#.' &#$ '&.%',&(.*r1
;1 =<L *, .)- r-'3*#$-#.'.
O.)-r !&#2' &r- r&.-$ &' -F(-++-#. ;1 ==L *, .)- r-'3*#$-#.' &#$ ,&%r ;1 27L *, .)-
r-'3*#$-#.'.
-5
80
-0
15
33
9
8
.
11
19
5
5
4
30
2-
-
3
12
31
10
4 4
8
13
11
0
20
40
.0
80
100
120
H
D
F
C
I
C
I
C
I
U
T
I
K
O
T
A
K

M
A
H
N
D
R
A
O
T
H
E
R
S
UNSATISFACTIOR/
SATISFACTOR/
FAIR
GOOD
E0CELLENT
(6
:
TA!LE NO <2
S.r-#5.)-#' &#$ 8-&2#-'' *, KOTAK MAHINDRA !ANK S(*r- C&r$
P&r&7-.-r' S(*r-
R-5/+&.*r1 S1'.-7 ?
T-()#*+*51 A$A&#(-7-#.' O
Cr-$%. C/&+%.1 ?
D%A-r'%,%(&.%*# *, 7&r2-. ;-1*#$ ;%5
(%.%-'
>
S%P- *, !&#2 ?
!&#2%#5 I#,r&'.r/(./r- >
L&;*r I#,+-F%;%+%.%-' =
INTERPRETATION
$he Indian bankin. se3tor has s3ored o8er its 3ounterparts not on+y in de8e+opin. but a+so e8en in
de8e+oped 9or+d su3h as Capan& Sin.apore and Austra+ia on si.ni,i3ant parameters.
(A
:
$e3hno+o.y has .i8en birth to a ne9 era in bankin.. $e3hno+o.y 3an be the key di,,erentiator
bet9een t9o banks and a ma:or ,a3tor to attain 3ompetiti8e ed.e. $hou.h s+o9 in the be.innin.&
7!$A7 MAINDRA 1ank seem to ha8e pa3ed up in adoption o, ad8an3ed te3hno+o.y.
Lhi+e enhan3ement o, 3redit is an important ,un3tion o, the 1anks& it is e-ua++y imperati8e to
keep a 3he3k on the -ua+ity o, 3redit to ensure .ood hea+th o, the bankin. system and
e,,e3ti8e ,un3tionin. o, market ,or distressed assets.
!ne o, the key ,undamenta+s o, bankin. se3tor I Credit Bua+ity too has been rated
,air+y 9e++ in 3omparison 9ith other 1anks.
#8en thou.h 7!$A7 MAINDRA 1ank is a bi. p+ayer in Indian 1ankin. se3tor
sti++ it is not yet penetrated in the rura+ areas o, India to a 8ery .reat e<tend.
7!$A7 MAINDRA 1ank as ear+ier said is a +ar.e p+ayer in the Indian 1ankin.
Se3tor& ho9e8er 9hen it 3omes to bankin. in,rastru3ture it is one o, its 9eak.
And so +abour in,+e<ibi+ities.
@)
:
RECOMMENDATIONS
@1
:
Sin3e A$M is the most popu+ar point o, intera3tion 9ith the 1ank it is imperati8e
that the 1ank in3reases the number o, A$M ma3hines.
7!$A7 MAINDRA 1AN7 must enter into a++ian3es 9ith other 1anks. So that
its 3ustomers 3an use those 1ank?s A$M ,a3i+ity ,ree o, any 3har.e.
$he 1ank shou+d take ad8anta.e o, its 9or+d 9ide net9ork o, A$M ma3hines& as
more and more Indians are tra8e++in. abroad. $he ad8anta.es o, bein. ab+e to
a33ess one?s a33ount any9here in the 9or+d must be hi.h+i.ht.
$he 1ank shou+d redu3e the transa3tion 3ost o, non' 7otak Mahindra bank
A$M ma3hine.
A33ount ho+ders ,ee+ that it 9ou+d be .ood i, the 1ank o,,ered in3enti8es&
,reebies to it?s e<istin. 3ustomers & this 9ou+d keep the 3ustomers happy and
satis,ied 9ith the 1ank.
appy hours shou+d be introdu3ed.
1ank timin. shou+d be in3rease.
Animated mo8ies shou+d be make ,or promotin. 8arious produ3ts o, 1ank in
+o3a+ +an.ua.e and a33ordin. to 3u+ture.
$ou3h s3reen ,a3i+ity 3an he+p,u+ to pro8ide detai+ kno9+ed.e o, 8arious produ3ts
and it 3an sa8e manua+ time.
More bran3hes shou+d be open at nearby to9ns so that 3ustomer ,e++ 3on8enien3e.
A33ount openin. pro3essin. time shou+d be de3rease and 3ash a33ount openin.
,a3i+ity shou+d introdu3e so that 3ustomer 9ou+d not ,ee+ any prob+em.
@4
:
LIMITATIONS
1ank timin. is short /A:*) am to *:*)pm2.
No. o, A$Ms +ess a33ordin. to popu+ation.
Customer ha8e threat that bank ha8e hidden 3har.es.
"o9 in3ome 3+ass peop+e ,a3e di,,i3u+ty to maintain AB1.
@*
:
Customers not use ,re-uent+y Net bankin.& Mobi+e bankin..
$he study 9as +imited on+y CAIP%R 3ity en3e ,indin.s may be di,,er ,rom
other part o, 3ountry.
Many times respondents 9ere so busy that they didn?t t .i8e rep+y. $here 9ere
biased rep+ies a+so.
@(
:
QUESTIONAIRE
1. Person Name: VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
4.$ypes o, business or Lorkin. area
A2 #+e3tri3 and #+e3troni3s
12 In,ormation $e3hno+o.y
@@
:
C2 Automobi+e
D2 Pharma3euti3a+
#2 In,rastru3ture
F2 $e+e3ommuni3ation
.2 !thers: p+ease spe3i,y VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
*. No.o, Person in ,ami+y: VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
(. Desi.nation: VVVVVVVV VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
@. Conta3t Number: VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
>. e' Mai+ id: VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
5. No. o, Depended and their a.e: VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
6. Current 1anker: VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
A. $ota+ annua+ in3ome o, person:
VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
1). Spe3ia+ o,,er pro8ided ,rom e<istin. bank:
a2 P.". Rate: VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
b2 ." Rate: VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
32 Oehi3+e +oan Rate: VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
d2 !thers: VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
11. Are you satis,ied 9ith e<istin. 1ankerT
a2 Qes b2 No
14. Do you e<pe3t better produ3ts and ser8i3es ,rom your bankerT
a2 Qes b2 No
1*. o9 is the Re+ationship bet9een you = your 1ankT
a2 #<3e++ent
b2 Good
@>
:
32 Satis,a3tory
d2 %nsatis,a3tory
1(. Did you 3han.e your banker re3ent+yT
A2 Qes b2 No
1@. I, yes: From ' VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
$o ' VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
1>. o9 is Customer Responsi8eness o, your 1ankT
a2 Good
b2 Satis,a3tory
C2 %nsatis,a3tory
15. Lou+d you +ike to shi,t to other 1ank& i, pro8ided better produ3t =Ser8i3esT
a2 Qes b2 No
16. Gi8en options& 9hi3h 1ank& you 9ou+d +ike to shi,tT
P+ease mention: VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
Date '
P+a3e I
$hank you Si.nature
@5
:
CONCLUSIONS
7!$A7 MAINDRA 1AN7 is "eadin. 1ank in the 3ountry& it pro8ides a
8ariety o, produ3ts and ser8i3es to di,,erent se.ments o, 3ustomers.
@6
:
$he 1ank aims to ser8e 3ustomers ,rom teena.ers to senior 3iti;ens& hen3e
di,,erent produ3ts desi.ned to suit spe3i,i3 re-uirements o, the abo8e.
Aims to ser8e a++ 3+asses o, the so3iety ,rom the sa+aried midd+e 3+ass to the hi.h
in3ome business 3+ass.
Customers are 3ate.ori;ed and se.mented a33ordin. to their re-uirements and
needs.
For #<amp+e & the Sa8in. Re.u+ar and P+us A33ount aims to ser8e midd+e 3+ass
3ustomers so minimum ba+an3e re-uired to be maintained is RS.@&)))G' or RS.
1)))). Lhi+e the Sa8in. Ma< A33ount is tar.eted at hi.h in3ome 3ustomers& the
minimum ba+an3e re-uirement is RS.4@&))).
Customers 9ho are more pro,itab+e to the 1ank /i.h Oa+ue Customers2 are
pro8ided spe3ia+ ,a3i+ities. Priority 1ankin. is meant to ser8e these hi.h 8a+ue
3ustomers.
$he 1ank prides itse+, 9ith the abi+ity to pro8ide di,,erentiate produ3ts in the
3ro9ed market o, sa8in. a33ounts. 1ank o,,ers ,ree insuran3e& spe3ia+ 3o'branded
debit 3ards 9hi3h makes it?s produ3t uni-ue.
$he CreditGDebit Cards pro8ided by the 1ank are Internationa++y A33epted around
the 9or+d& en3e .i8in. the 3ustomers the 3on8enien3e to transa3t anytime &
any9here.
$he 1ank has tied up 9ith other 1anks so that it?s 3ustomers 3an use other 1ank?s
A$M ,a3i+ity ,or ,ree /,our ,ree transa3tions2
$he 1ank a+so pro8ides D#MA$ a33ount and a+so se++s Mutua+ Funds& this
pro8ides the 1ank and Go8ernment additiona+ re8enue.
$he 1ank has been 8ery su33ess,u+ in en+ar.in. its 3ustomer base durin. the +ast
3oup+e o, years.
$he 1ank 9ants it?s 3ustomers to transa3t more trou.h Internet 1ankin. and
A$Ms& rather than the 3ustomers usin. the bran3h.
@A
:
BIBLIOGRAPHY
999.hd3bank.3om
999.a<isbank.3om
999.i3i3ibank.3om
999.kotak.3om
999.9ikipedia.3om
>)
:
999..oo.+e.3om
>1