A

Summer Training Project Report

On
"BANKING SERVICES AND INTERNET BANKING OF PAGRI
WORLD (Pushp Raj Pagri)"

Submitted in partial fulfilment of the requirements

For the award of the Degree of

BACHELOR OF BUSINESS ADMINISTRATION

2016-2019
SUBMITTED TO : SUBMITTED BY:
Prof. Neha Zaidi Akash Kulshrestha
Faculty of School of Business BBA - 4th sem.
Enrollment No. 1604102004

Department of Management:
GALGOTIA INSTITUTE OF MANAGEMENT AND TECHNOLOGY

1
Banking Services and Internet Banking
At Pagri World

Bachelor of Business Administration

By

Akash Kulshrestha

Date
July 2018

2
 Preface

Good decisional research project result in helping to make the best decisions that
can be made at the least cost of making it.

Finance is a subject for all people and all seasons. It is a subject of exchanging and
managing funds, how transactions are initiated, motivated, facilitated and
consummated. Financial Management deals with how organizations and people
can better manage their fund exchange activities to produce income for themselves
and satisfaction for others. Finance is a field that deals with the study of
investments. It includes the dynamics of assets and liabilities, (known as elements
of the balance statement) over time under conditions of different degrees of
uncertainties and risk. Finance can also be defined as the science of money
management.

Today, in the period of down swing of the economy, I have decided to work on
fashion industry as it effects directly to economic growth of a nation. The impact
of decisions can be seen clearly in the fashion industry so going through detailed
study of the fashion industry.

I have tried to make this report readable by suggesting techniques to overcome this
depress.

(AKASH KULSHRESTHA)

3
 Certificate of approval

The following Summer Internship Project Report titled “Banking Services and
Internet Banking” is hereby approved as a certified study in management carried
out and presented in a manner satisfactory to warrant its acceptance as a
prerequisite for the award of Bachelor of Business Administration for which it
has been submitted. It is understood that by this approval the undersigned do not
necessarily endorse or approve any statement made, opinion expressed or
conclusion drawn therein but approve the Summer Internship Project Report only
for the purpose it is submitted to the Summer Internship Project Report
Examination Committee for evaluation of Summer Internship Project Report.

Name Signature

1. Faculty Mentor Ms. Neha Zaidi _______________

2. Industry Mentor Mr. Pushp Raj Sharma _______________

4
 Certificate from summer internship project guides

This is to certify that Mr. Akash Kulshrestha, a student of Bachelor of Business

Administration has worked under our guidance and supervision. This Summer
Internship Project Report has the requisite and to the best part of our knowledge no
part of it has been reproduced from any other Summer Internship Project Report,
monograph, report, or book.

Faculty Mentor- Ms. Neha Zaidi Industry Mentor- Mr. Pushp Raj Sharma

(Director)

SOB, GU, GENERAL BANKING Organization- Pagri World

Address-H.No. 148 Gali No.1 Village

Wazirbad, Delhi 110084

Date- 16 July 2018

5
 Certificate from Faculty Guide

This is to certify that the research report “Study Of banking services and
internet banking at Pagri World” has been presented by Mr. Akash
Kulshrestha under my supervision and guidance. This research report is submitted
towards the partial fulfilment of the requirements of Bachelor of Business
Administration. (Batch 2016-2019)

Prof.Neha Zaidi

Faculty Guide

6
 Declaration

I Akash Kulshrestha, Enroll. No. 1604102004, student of BBA Galgotias

University, Greater Noida, hereby declare that the summer training project report
on “Study Of banking services and internet banking at Pagri World” is an
original and authenticated work done by me.

I further declare that it has not been submitted elsewhere by any other person in
any of the institute for the award of any degree or diploma.

Enroll. No. 1604102004 Akash Kulshrestha

BBA (2016-2019)

7
 Executive Summary

This report is an attempt to know how the classroom theories can be applied to the
practical situation. As a student of BBA, it is part of study to undergo Summer
Internship at some organizations. I got an opportunity to work with Pagri World in
the name of Summer Internship. In this broad report, I have discussed about every
important aspect of the company which I observed during my internship tenure.
The first part of the report consists of details of the company from the time of its
incorporation to current position. Along with its processes, policies, procedures.
During my internship tenure I have mainly focused in the field of banking and
internet banking services. All the departments have been discussed in detail. The
main purpose of internship is to learn by working in practical environment and to
apply acquired knowledge in real world situation in order to tackle the problems
using knowledge and skill learned during the academic process. This report covers
many important aspects which are related with financial operations of the bank. In
the end the learning observations which I have undergone during my internship
project. This report also contains my thinking, and the working environment of the
organization.

8
 ACKNOWLEDGEMENTS

I would like to express my extreme gratitude to Prof. Neha Zaidi (Faculty of

School of Business) for her inspiring and supporting guidance during the course of

this project. No of words of appreciation are good enough for the constant

encouragement which I have received from him. I would also thanks to Pagri

World to gives me this amazing opportunity.

At last I would like to extend my sincere thanks to all the respondents to whom I

visited for giving their support and valuable information, which helps me in

completing my project work.

(AKASH KULSHRESTHA)

9
 TABLE OF CONTENTS

Particulars Page NO.

1.Company Profile 15-16

 Overview of industry

2.Company Profile of Pagri World 17

 Brand Journey 18

 Geographical Pervasive 18

 Key People 19

 Product and service 19

 Logo 20

 Strength 20

 Competitor 20

21-22
 Partners
23
 System Architecture
24
 Vision and mission.
25
 Business focus
25
 Objective
26
 Strategy

10
  Slogan 26

3. Internship Profile

 Introduction 27-28

 Activities performed 29

 Responsibilities 29

 Learning 30

 Banking Partner 30

 Internet Banking 31-32

4. Major Activities 33-34

5. Key Observations 34

6. Key Skills and lesson learnt 35

7. Data analysis and result 36-42

8. Research Design

 Introduction 43

 Rationality 43

 Origin of the report 44

 Objective of the report 44

9. Methodology 44

10. Sources of data 45

11
11. Collection procedures of data 45

12. Data collection Method 46

13. Scope of report 46

14. Limitation of report 47

15.Conclusion 48

16. Suggestion and Findings 49

17. Bibliography 50

18. Word OF thanks 51

19. Internship Feedback form 52-54

12
 List OF Figures Page No.
1.Internet Banking Chart 31
2. Balanced Scorecard 35
3. Analysis Result 36-42
4. Internet Banking analysis 48

13
 List Of Tables Page No.

1.Expenditure on Product 42

14
 COMPANY PROFILE

Overview of Bridal Industry in India 

Menswear will outperform the women’s clothing sector across the world by 2020,
according to research by Euromonitor International.

With a contribution of approximately Rs.120 million to the Indian clothing and

accessories market by the end of the next two years, menswear is growing quicker
than women’s wear — predicted to develop 2.3% globally by 2020 compared to
the 2.2% growth rate for female clothing.

When we reach the year 2020, menswear is expected to hit a value of Rs.130
million in India, while the women’s wear market is predicted to drop nationwide
by 0.2% within the next 24 months. But what’s brought on this trend for menswear
and what could this mean for male fashion of the future?

Why is the menswear sector expected to grow?

There are several reasons behind the progression in the menswear market. Firstly,
could it be that men are simply becoming more style-orientated? In reference to a
particularly popular piece of male fashion denim clothing and footwear analyst at
Euromonitor International, Bernadette Kissane, said: “When it comes to bridal
accessories , men in the India traditionally bought into unique and different
fashion, but the strong growth of economy bridal accessories sees men also being
influenced by fast changing trends and the desire for a variety of style-led value
accessories.”

Statistics appear to back up this idea. Apparently, almost 60% of men agreed that
they felt ‘more attractive’ when they were well-groomed, while approximately
21% said that they think a good role model should ‘look after his appearance’,
according to a menswear India 2017 report by Mintel, a market intelligence
agency.

15
Similarly, the growth in the menswear market has been encouraged by the
industry’s quick response to changing trends. Senior fashion analyst at Mintel,
Tamara Sender, said: “More retailers and brands have been tapping into the
growing menswear market by expanding their men’s clothing offer, as well as
launching stores and separate websites dedicated to men’s fashion. As more
retailers are entering the menswear market, men are faced with greater choice of
products, styles and sizing.”

Or is this simply a generational thing? According to a UK Menswear 2016

whitepaper by Pragma, ‘millennial’ males — generally agreed to be those born
between the early 1980s and mid-1990s — spend more on clothing each year than
other men.

Perhaps a combination of age, technology and fashion-consciousness is the cause

of the rapid growth in the menswear market. But what does this mean for the
clothing of tomorrow and beyond?

16
 Company Profile

Profile of Pagri World 

Pagri World is a men's ethnic wear brand founded by Pushp Raj Sharma in 1983.
It offers various kinds of bridal accessories for men. The brand started with a 150
sq. feet shop in Wazirabad, Delhi and now it expands his business on online
platforms. They also served their products in international market like California
and London.

The brand started to grow in 2001 by supplying to different Multi-Brand Outlets

(MBOs). It was in 2014 though that they launched their products on online
platform.

To share, celebrate and evolve the Pagdi movement. A reflection of Mr.Pushp Raj
Sharma grit, a global vision and a nurturing spirit, the creative spark of Mr. Radha
Krishna Sharma, our Chief Visualizer of merchandise and design, together with
sales, production and operation groups driven by a collective mission: to be an
authority in Celebration Wear.
Pagri world envisions leading the category towards a global perspective, beyond
cultural and ethnic sensibilities. This means new sections, new products and new
concepts for the world citizen.

17
 Brand journey

It all began in a 150 square feet office space with Rs.10,000 as capital. Pagri World
was conceptualized in 1983, since then Pagri World has expanded its reach to 50+
cities in India, London, California.

1983  Company came into existence.

1990  Collaborating with big names in the market.

2000  Adding new products in the segment in order to capture market.

2004  Also promoting B2C business along with B2B.

2008  First sale in international market in B2B method.

2014  Provide customer an online platform for easy buying of products.

2016  Also provide an option of customization of product according to the need

of customers.

Geographical pervasive
Registered Office:
H. No. 148, Street No. 1

Village Wazirabad,

Delhi-110084

Phone no. : 088821 75193

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 Key People

 Pushp Raj Sharma (Founder)

 Radha Krishna Sharma (Co-Founder)

Products and Services

At Pagri World, we have always sought to enhance value for you as a customer by
providing you the most relevant and easy to use services through innovation and by
harnessing the latest developments in technology. In line with this strategy, we
have constantly introduced innovative products and services to suit your unique
needs and wants. Our products range consist Pagdi, Stall, Broaches, Feather,
Turban Cloth.

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 LOGO

PAGRI WORLD

Strengths
 Low cost products.

 Multiple options to choose.

 Easy payment options like paytm, credit and debit card, internet banking.

 Quick response to customers.

 Easy to use products.

Competitors
 SS trader

 Shaadi Vyaah

 Dulha Ghar

These are the major competitors in the domestic market.

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 Partners

 Mohanlalsons

 Manyavar

 H-2 Bharat Reshma

 Gujralsons

 Manhar

 Lagan

 Addiction

 Shehnai

 Diwansaheb

 Studybyjanak

 Gopal sons

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Products From Our Different Partners

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 Reasons for Exponential Growth
 Huge traditional market

 Convenience

 Festive discounts

 Online promotions

 Customer Satisfaction

 Quality maintenance in low affordable prices

 Introduce internet banking at the time of demonetization.

System architecture of pagri world

Online business  There are three components to this architecture: the Internet,
a firewall, and your organization. The Internet is where you will interact
electronically with your customers, your firewall will provide you with reasonable
protection against people who wish you harm, and your organization’s systems
will process the business transactions generated on the WWW by your customers.
Offline business There is one major component which is required to this
architecture i.e., an office. A place where you can perform your deals with the
clients.

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 VISION STATEMENTS

“Become the market leader in providing wedding groom accessories, as we realize

wedding is the most important day of life.

MISSION STATEMENTS

To our customers, our mission is to provide a caring service by anticipating their

requirements and innovatively satisfying them beyond their expectations.

To our staff, our mission is to identify their multi-faceted talents, develop,

motivate, recognize and reward them towards fulfilment of our goal.

To our natural environment, we enforce sustainable practices across all our

activities.

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 BUSINESS FOCUS
The objective is to build sound customer franchises across distinct businesses so as
to be the preferred provider of services for target retail and wholesale customer
segments, and to achieve healthy growth in profitability, consistent with the bank’s
risk appetite. The organization is committed to maintain the highest level of ethical
standards, professional integrity, corporate governance and regulatory compliance.
Pagri World’s business philosophy is based on five core values: Operational
Excellence, Customer Focus, Product Leadership, People and Sustainability.

Objective

Pagri World aims to continuously update and develop its product line and range of

services to cater to the needs of retail and corporate customers. To achieve this

goal, efforts have been directed in three main areas:

 Design and introduction of new products and services

 Shaping and developing the system to face new challenges and emerging need of

the market

 Full implementation and utilization of the Bank’s excellence program which aims

to provide service to customers.

25
 Strategy

Its strategic priorities to have sustained growth, broaden improve the range of
products and services.

Slogan

“A company with a difference.”

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 Internship Profile

Introduction

My internship tenure in Pagri World was of 4 weeks. I got the wonderful

opportunity to handle transactions and banking services. Through this department,
I was able to the very essential banking knowledge as I want to see myself as a
banker in future. I primarily learned cash management, fund transfer etc. I was able
to deal with customers and disseminate the information to them. I also learned
about the credit related task. I was able to gain knowledge about all other banking
task.

Account opening is the first and most important thing for a company. It is
necessary to know for every employee who worked in the company. There is an in-
charge who called General Banking in-charge, under her there is three junior
officers and one is officer. In my whole internship period I have learned lots of
things about the bank operations like how they work, how they synchronize with
each other. Cash section and the clearing section are also related with the
GENERAL BANKING. Those operations are monitored by GENERAL
BANKING in-charge.

Banking  In simple words, Banking can be defined as the business activity of

Accepting and safeguarding money owned by other individuals and entities, and
then lending out this money in order to earn a profit. However, with the passage
of time, the activities covered by banking business have widened and now various
other services are also offered by banks. The banking services these days include
issuance of debit and credit cards, providing safe custody of valuable items,
lockers, ATM services and online transfer of funds across the country / world.

27
It is well said that banking plays a silent, yet crucial part in our day-to-day lives.
The banks perform financial intermediation by pooling savings and channelizing
them into investments through maturity and risk transformations, thereby keeping
the economy’s growth engine revving.

Banking business has done wonders for the world economy. The simple looking
method of accepting money deposits from savers and then lending the same money
to borrowers, banking activity encourages the flow of money to productive use and
investments. This in turn allows the economy to grow. In the absence of banking
business, savings would sit idle in our homes, the entrepreneurs would not be in a
position to raise the money, ordinary people dreaming for a new car or house
would not be able to purchase cars or houses.

Trust is the most important element for a bank to survive. People keep money in a
bank only when they trust that it will be given back to them as and when they
demand the same on at least on the date of maturity in case the same has been
given in the shape of fixed deposits. Of course, there are other reasons also for
which people prefer to keep money in a bank rather than keep at home in their own
safe. They can earn some extra money when the money is kept in saving or fixed
deposits. Moreover, they can make payment by issuance of cheques and need not
carry money for their day to day needs.

Internet Banking Online banking, also known as internet banking, is

an electronic payment system that enables customers of a bank or other financial
institution to conduct a range of financial transactions through the financial
institution's website. The online banking system will typically connect to or be part
of the core banking system operated by a bank and is in contrast to branch
banking which was the traditional way customers accessed banking services.
Today, "virtual banks" (or “direct banks”) have only an internet presence, which
enables them to lower costs than traditional brick-and-mortar banks.

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 Activities Performed in the Organization
During 4 weeks of my internship tenure, I was deployed in the department of
banking functions. It is the most important and essential department for each and
every company as it helps in managing the funds most effectively. As the office
and bank are nearby, I got the opportunity to watch the coordination between the
bank and the company. The activities I performed within 4 weeks were based on
my acquired knowledge. It allow me to relate my studies in the practical working
environment.

My Responsibility in Company

o Managing Cash and Credit sales.

o Assisting customer and clients in internet banking
o Transfer of funds to supplier.
o Withdrawal and deposit of cash.
o Listing of transactions
o Payment of wages.
o Bookkeeping
o Calculation of loss and profit
o Help the team in making financial policies
o Evaluating different mode of income.
o Investment in securities on behalf of company.
o Focus on fund maximization
o Pay bills on behalf of company
o View past transactions in order to evaluate stability of the company.

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 Learning’s

 Coordination and respect among staff.

 Listen and understand the customer
 Two way communication is vital
 Dealing with customer through psycho analysis
 Brain storming and team work
 Positive organizational behaviour
 Motivation and self-motivation techniques
 Decision making
 Following and respecting the work ethics
 How to use bank website.
 How to use banking services

Banking Partner

 State Bank Of India

 Oriental Bank of commerce
 ICICI bank

30
This is how internet banking system of our company works:

31
 Steps of Internet Banking

Step 1 In the first step, customer sent a request in order to buy

Products in against of payment. Request is sent to check
the authenticity of the merchant, product info, payment
info.
Step 2 In the second step, merchant checks the authenticity of
buyer, and has a right to authorize or deny of payments.
Step 3 After clarification from both side. Parties meet on third
party server which consist gateway of all modes of
transactions like Visa, MasterCard, debit card, online
banking , PayPal etc.

After the confirmation of payment third party servers sends money form
the account of buyer to the account of seller.

 Note: - All the above mentioned procedure is encoded in special

commands. There is no physical evidence of transactions. All these
commands are sent by the servers after getting conformation from
both the parties.

32
 Major Activities
I was very thankful that i got opportunity to work in banking department. In
banking department there is lots of paper work involved. It has a very well
managed system to record the documents in a specific procedure. Documents were
recorded in printed as well as in digital format.

 Customer Handling This department is the first place where potential

customer approaches. It is the primary duty and responsibility of the company
to provide the information of internet banking and extra charges. As the first
thing I learned are different types of internet banking. I provide the necessary
information of the service and I often provide the essential suggestion as per my
capacity to the customer.

 Bank Visit For any kind of banking transactions, it is very important to

4

visit bank. It is the best way to resolve banking problems. I was provided the
opportunity to visit the by my supervisors. I learnt what things look for,
genuinity of the customer, feasible analysis. I also assisted my supervisor to
prepare bank visit report.

 Document uploading on bank server Company keeps their document

both in printed and digital format. There are procedures to upload the
documents into the bank server. I was very thankful to use such technology in
organizational work structure.

 Tally Software  However, I was not fully authorized to operate it. I learnt
to use the tally software, the latest of its kind. Generally, I have to use it for
balance enquiry.

 Problem Solved  Working in Pagri world, I exposed to real life

experiences as professional. As an intern, I was given responsibility with
expectations of better performance. I learnt many things as I tackled with the
task I undertook. During my internship tenure, I performed my best and solved
problem such as:

33
  Provide necessary information to customer when confused.
 Managed the paperwork load of the department.
 Help relationship and branch manager to correct communication error.
 Report the complaints or messages of customer to the concerned
authority.
 Assisted relationship manager to clarify the related issues.
 Provide the knowledge I acquired from college to company in order to
increase efficiency. For ex- use of Google drive to save documents.
 Assisted filling up the different forms especially to those who could not
read or write.
 Give feedback to supervisors.

Key Observations
There were numerous things I observed as an intern while working at Pagri World
which I otherwise would not have known. As I select company for intern the most
things I observe are the functions of banking which are as follow:

 Intern must be assigned with the responsibility as per the potentialities.

 The coordination between staff are smooth.
 Theoretical knowledge is important as it is the base of every work.
 Manager regularly inspects the staff, listen their problems, supervises etc.
 Employees are friendly.
 The technology is old which slows down the process.
 Every employee was given certain duties for which they could be held
accountable.
 Flexible work hours so that the office is not empty.
 Failure in effective communication makes customer angry.
 Celebration of birthday parties and farewell.
 On the job training and job rotation are more focused.

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 Key Skills and Lesson Learnt

An internship is an opportunity offered by employees, both in the non-profit

and for-profit sectors, to students interested in the industry. An intern works in a
company for a limited period of time usually three to six months. At Pagri
world, my internship tenure of 4 weeks provides me the wonderful opportunity
to know about the professional banking services. I knew what is to work in
organizational work setting.

 Reality of professional organizational setting.

 Importance of punctuality and completion of task.
 Responsibilities
 Importance of team work that helps to solve problems.
 Deal with customer in polite and friendly way.
 About banking services and cooperate work culture.
 Laws and directive of regulatory body.

Balance Scorecard The balanced scorecard is a strategy performance

management tool – a semi-standard structured report, that can be used by managers
to keep track of the execution of activities by the staff within their control and to
monitor the consequences arising from these actions.

35
 Data Analysis and Result

Sales of different Product Company produced.

Sales

Pagdi- 4.2

Stall-2.6

Broaches-1.2

Turbun Cloth-1.4

feather-0.6

36
Investment and profit of last five years.

(Due to demonetisation in 2016 company suffer losses.)

4
Invetment
3 Profit

0
2013-14 2014-15 2015-16 2016-17 2017-18

(Rs. In crore.)

37
 Major Buyer’s

Sales

Business

individual

According to this figure it can be assume that company like to deal in

businesses.

38
Growth chart of last 5 years
9

Rate
4

0
2013 2014 2015 2016 2017

(I0n 2016 we see a downfall due to demonetization)

39
Budget and estimated cost of company

Pagdi
35
30
25
20
15
Turban cloth 10 Broaches
5 Budget
0
Estimated cost

Stall Feather

40
Budget and actual cost
Pagdi
25

20

15

10
Turban cloth Broaches
5
Estimated
0
Actual

Stall Feather

41
 Budget and billing Cost
Pagdi
50

40

30

20
Turban Cloth Broaches
10
Budget
0
Estimated Billing

Stall feather

Products Budget Estimated Actual Estimated Final

(In lakh) Cost Cost Billing Billing
(In lakh) (In lakh) (In Lakh) (In Lakh)
Pagdi 32 25 12 45 52
Broaches 32 20 12 40 52
Feather 28 12 5 37 50
Stall 12 5 2.5 22 48
Turban Cloth 15 10 7.5 26 46

42
 Research Design

Introduction
In the fashion industry, banking sector plays an uncompromising role to support a
country’s economy. Now-a-days competition is increasing for fashion industry.
The actual change has started when the government’s decision allow the
globalisation. Pagri World is a growing groom accessories industry in Delhi. Their
products services are the key elements for Pagri World. Customer service is the
core ingredients in this sector. Company offers different types of product and
services to their clients. PAGRI WORLD is known for its best customer service
and maintains its reputation and position by giving quick service to their clients. A
whole firm’s performance depends on its products and best consumer satisfactions
which help to grab position in the market. The primary purpose of this report is to
get thorough idea of financial activities of Pagri World. It will reflect the position
of PAGRI WORLD in the industry procedures, policies with emphasize on foreign
trade. While working in PAGRI WORLD, it is possible to observe their activities
closely and gather knowledge of financial activities and experience about their
process.

Rationality
Internship program is the practical phase of our theoretical learning. It makes a
bridge between the classroom learning and the practical learning. Internship plays
an essential role for BBA professional degree. The study will help to originate
suitable policies taking into reflection different ideas, suggestions and feelings of
the customers and the bankers.

43
 Origin of Report
This report is a requirement of the internship program which is an important part of
the BBA degree requirement. As the supervisor has advised me to develop a
thorough understanding of the financial activities and internet banking services,
this report will be prepared on those aspects of the practice of Pagri World.

Objective of Report

Broad objective,

 To know about the overview of Pagri World

 To know the financial activities of Pagri World

 To know about the customer service

 To recommend some solution

Methodology

The methodology of this report is very different from conventional reports. I have
emphasized on the practical observation. The necessary information is collected
from face to face interviews. All information is collected from primary and
secondary data. Nevertheless, eventually almost the entire report consists of my
practical experience.

44
 Sources of Data

While preparing the report, I have taken information from the following sources:

Primary Sources:
 Observation of banking activities.
 Overflowing Conversation with the manager and employees.
 Working with my own experience while internship program.

Secondary Sources:
 Website of Pagri World.
 Annual Report of the Pagri World.
 Consultations of related books and publications.
 Internal Financial Statement.

Collection Procedures of Data

Primary interview technique was the primary tool used in collection information.
Interview with the managers and officers have done through questionnaire in order
to discuss about the related matters before preparing the report. Discuss with the
different division is the main source of collecting data.

45
 Data Collection Methods

The data is collected from different sources like:

 Observation
 Direct conversation with the client
 Face to face conversation with employees
 Annual Report
 Different Publications of Pagri World
 Internet

Scope of the report

This sector is a large and difficult area. A company has different products,
different services and different customers. Different departments of a
company perform different activities. However, the scope of present study
was limited in a specific area and the activities of Pagri World. This study
covers various section of Prime Bank Limited. This report is basically
divided into two parts:
 Organization part
 Project part
The organization part contains the organization’s structure and policies.
The project part is focused on the financial activities of company. It also
includes some ration analysis and comparison with other banks.

46
 Limitations of Report

Some of the limitations faced in preparing this report are:

 It was very difficult to collect the information from various personnel
for their job constraint.
 There were some difficulties in understanding some activities.
 Due to confidentiality the company’s policy restricts disclosing some
data.
 The study of such a short course of time is not free from limitation. So
time limitation is the main point of limitation.
 During the month of June in the company, there was excessive year-
ending workload, which sometimes acts as a barrier on the way of my
effort.
 At the beginning of internship it was tough for me to understand the
environment of work.
 Working in a practical environment is different from academic
knowledge.
 Employers are too busy with their desk work so they have less time to
make me understand the desk job.
 Company has to maintain lot of secrecy so as an intern I was not
allowed to know all stuff and information
 Learning all the banking functions of company within just one months
was really tough.
It is too much difficult to comment and suggest based on only the annual
report and information collected from written documents.

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 Conclusion

During my internship I learn different when 1st day I went in Pagri World office
everything was different, everyone was energetic my Reporting manager have
taught, he explain about the company and our work, what we will do in next 4
weeks. During my internship I have lot thing about the banking and banking
services. According to my financial research these are the conclusions.

Many countries in Asia are taking advantage of E-commerce through opening of

economy which is essential for promoting competition and diffusion of internet
technologies. The internet boosting efficiency and enhancing market integration in
developing countries. According to survey in India E-commerce will become
largest sector that will provide job. E-Commerce in the next 3to 5 year ,India will
have 40 to 80 million internet users which will equal ,if not surpass, many of the
developed countries. Internet economy will then become more meaningful in India.
The number of transactions will be enough to sustain the internet economy.

India has around 470 million banking customers. Among this demographic, 60
million of them, amounting to 13% of the total users, use online banking.

With the financial technology companies, e-commerce names, big data firms and
cloud based software’s and service, the digital element is truly revolutionizing
things, quite quickly and effectively. And it becomes more relevant to make a
moment to contemplate where the banking sector figures in the midst of all these
changes.

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 Suggestion and Findings

As the organization is categorized in class a company and is running smoothly

some points I would like to state as suggestion are as follows:

 It has been able to launch products according to the time. More flexibility is
to be brought up. This will help the customer to utilize the product to the
fullest.
 It must consider the latest media of advertisement. Use of social networking
sites such as Facebook, instagram, twitter etc. must be boosted. Customer’s
query must be replied instantly on Facebook pages.
 Pagri World ought to focus on the advertising and out to make a
symphonious association with the clients. Media is a essential weapon for a
wide range of publicizing and organization ought to keep a nearby tie with
the business.
 The staff whose job role requires frequent contacts with the customer should
be trained to deal in a polite manner.
 The willingness to work should be developed among the employees through
effective incentive plans.
 The technologies should be updated as the existing technology is slowing the
process.
 Merchant who have own manufacturing company they are interested in
online banking.
 Around 20% want to come with E-commerce but they don’t have knowledge
about computer.

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 BIBLIOGRAPHY

Books:

 C. R. Kothari ‘Research methodology, vishwa publication, New Delhi.

 Banking law and practice.
 Indian Banking

Web Sources:

 https://www.facebook.com/Pagriworld/

 www.wekipedia.com

 www.livemint.com

 www.cdn.freshdesk.com

 www.allbanking.com

 www.linkedin.com

 www.smallbusiness.choron.com

 http://dspace.bracu.ac.bd.com

Some Previous research also used.

50
 Word of Thanks

At the end I thank to all those who directly or indirectly helped me to

conduct and completed this project successfully.
I thank to all the reader who would study this project. I invite any suggestion
regarding this project.

Thanking You Akash Kulshrestha

Enroll. No.- 1604102004
BBA
Galgotias University, Gr. Noida

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 Summer Internship Feedback Form
(To be filled by the Industry Mentor)
Date:

Intern’s Name: Akash Kulshrestha

Batch: BBA – 4 Company: Pagri World
Address: H.No. 148 Gali No.1 Village Wazirbad, Delhi 110084

Department (in which the training has been done): Finance

Mentor’s Name: Mr. Pushp Raj Sharma

Contact Number: 088821 75193

Part A: General Intern Performance Instructions: Please rate the student intern on each of the
following job dimensions. For each dimension, sample behaviors of excellent and satisfactory
performance are listed as guidelines:

Please mention the intern’s duties and responsibilities?

o Managing Cash and Credit sales.
o Assisting customer and clients in internet banking
o Transfer of funds to supplier.
o Withdrawal and deposit of cash.
o Listing of transactions
o Payment of wages.
o Bookkeeping
o Calculation of loss and profit

Performance Rating Scale:

1= Unsatisfactory - did not meet expectations
2 = Fair - somewhat met expectations, but need improvement
3= Satisfactory - met expectations
4 = Good - met and exceeded expectations
5= Excellent - far exceeded expectations

1. Attitude/Effort: His/her attitude and efforts towards the work & duties assigned during internship.

1 2 3 4 5
Ability to meet deadlines 
Keen to take on extra duties 
Seeks out opportunities 
Always make a contributions in work 

52
 Always Takes initiative 

2. Works Independently: His/her ability to work independently to complete tasks with minimum
supervision.

1 2 3 4 5
Always submit assignments timely 

Complete tasks effectively 

Tasks are fully completed 

Team player/assists others 

Needs constant 
supervision/help

3. Adaptability: His/her ability to adjust to new work requirements, directions with a minimum loss
of efficiency.
1 2 3 4 5
Response to feedback 

Attitude towards change to work duties 

Acceptance to criticism and modifications in 

behavior/task accordingly.
Ability to accommodate to new directions/tasks 

4. Interpersonal Skills: Degree to which intern gets along with others (co-workers, supervisor,
clients.)

1 2 3 4 5
Ability to work well in groups 


Professional behavior with co-workers

Effective and cooperative relationships with co- 

workers

Ability to follow direction 

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5. Reliability: Consider of absences or degree of regularity in coming to work on regularly scheduled
work days during the period.

1 2 3 4 5
Punctuality & Regularity 

Arrives on time or early 

Absence planned/non-disruptive

6. Ability to learn: His/her ability to understand/grasp new ideas, opinions & instructions.

1 2 3 4 5
Interest in learning new tasks 

Actively seeks out information 

Continually improvement in job performance 

Accept new ideas and instructions 

Additional Feedback/Comments
(1) What were the strengths of this intern?
Multitasking

(2) What were the weaknesses of this intern?

Get nervous easily

(3) Are you willing to take interns in next year? (Indicate one) Yes No
If no, why not?

Yes
(4) What qualifications would you like to see in future interns?
Hard Working

(5) If an opening became available in your firm, would you consider this student
for a full- time position? Yes /No
NO
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(6) How would you assess the intern’s overall performance?
□ Outstanding □ above average □ satisfactory □ below average □ unsatisfactory

Satisfacotry

7) Any additional comments or recommendations.

 Hard worker
 Always ready to learn
 Motivated

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