A PROJECT REPORT ON

A COMPARATIVE STUDY OF CURRENT AND SAVING ACCOUNTS OF DIFFERENT PRIVATE SECTOR BANKS WITH SPECIAL REFERENCE TO CENTURION BANK OF PUNJAB
SUBMITTED FOR DEGREE OF BACHELOR OF BUSINESS ADMINISTRATION TO THE DEPARTMENT OF BUSINESS ADMINISTRATION FACULTY OF COMMERCE UNIVERSITY OF MAHARANIS COLLEGE, JAIPUR 2006-07

SUBMITTED BY PARUL JAIN BBA PART III

SUPERVISED BY DR! B!L GUPTA

C!0P

CERTIFICATE

This is to certify that Miss Parul Jain Student of university of Maharanis college Jaipur Has prepared her project report titled A Comparative Study of Current and Saving Accounts of ifferent Private Sector !an"s #ith

Special $eference of Centurion !an" of Punja%& for the !achelor of !usiness Administration '!(!(A() degree(

She has *or"ed under my guidance( To the %est of my "no*ledge and %elief this is her original *or"+ *hich has not %een su%mitted to any other institution,organi-ation for any degree,diploma program(

AT./

P$0J.CT 123 .(

C!0P

PREFACE

Centurion !an" of Punja% is one of the leading players in the 3ndian retail asset finance mar"et( Centurion !an" of Punja% caters to a *ide range of %an"ing services and products covering %oth commercial and investment %an"ing on *holesale and transactional or %ranch %an"ing on the retail side(

The project done at Centurion !an" of Punja% is one such e5perience *herein it helps me to learn through practical e5perience to convince and tac"le various "inds of customers *ith their different 6ueries and pro%lems+ as *ell as help me to understand the customers needs very *ell(

C!0P

ACKNOWLEDGEMENT

3 am very than"ful to Mr( eependra 8aushi" '!ranch Head) and Mr( 9ive" Sharma 'Personal financial consultant)+ *ho gave me an opportunity to get trained and *or" for one of the %est private %an"(

3 gratefully ac"no*ledge my teachers+

r( !(: 1upta+ 2niversity of

Maharanis Collage for their constant inspiration and support( 3 *ould li"e to than" all my seniors and colleagues at my office *ho gave their valua%le time to discuss the various aspects of my project and help me through their various comments+ o%servations and suggestions(

3 am highly grateful to my parents for their %lessings and guidance at each and every step of this training(

Than"s and regards

Parul Jain

C!0P

INDE"
Certificate Preface Ac"no*ledgement < 4 7

CONTENT
<( 4( !an"ing Sector in 3ndia Centurion !an" of Punja% 'a) '%) 'c) 'd) 'e) 'f) 7( A%out The !an" istri%ution Bet*or" Technology !usiness Profile Product and Services Mission and !usiness Strategy

P#$% &'!
=>? @>4A

A%out The Project 'a) '%) Current Accounts Saving Accounts

4<>7@

;( =( C( D(

$esearch Methodology Analysis+ Conclusion and Suggestion !i%liography Euestionnaire

=

;A>;4 ;7>=C =D>=@ CA>C=

C!0P

BANKING SECTOR IN INDIA

!an"s occupy an important place in the nations economy( The economic development and financial status of a Country depend upon its *ell> structured and systematic %an"ing system( !an"s are speciali-ed financial institutions( They promote capital %uilding and investment in the Country+ *hich helps in industrial economic development( Thus %an"ing industry is also "no*n as !an"ing of .conomy&(

3n 3ndia the %an"ing sector is segregated as pu%lic or private sector %an"s+ Co>operative %an"s or $egional $ural %an"s( .ven Foreign %an"s have also entered *ith ama-ing speed in this sector( Thus there are too many players in the %an"ing sector in 3ndia i(e( 4D Pu%lic sector %an"s+ 7< Private !an"s and 4@ foreign %an"s(

The modern day %an"s are not mere suppliers of money( They have %ecome providers of a *ide range of services( Bo* some %an"s have also got into a host of services such as selling insurance+ mutual funds and investment opportunities as in other Countries(

C!0P

#ith the advancement of technology+ %an"ing sector has %ecome more easy+ fast+ accurate and also time saving( !an"s are introducing Automatic Teller Machine 'ATM)+ Mo%ile %an"ing+ foreign e5change etc( oorstep %an"ing+ Bet %an"ing and

The 3ndian %an"ing sector is at the crossroads today+ having survived a tumultuous period that %egan in the mid>nineties( The area of operation of private sector %an"s had considera%ly narro*ed do*n after t*o>step nationali-ation( $etail %an"ing is receiving motherly treatment+ *hich has %een actively promoted %y ne* private sector %an"s(

PRIVATE SECTOR BANKS

Private !an"ing in 3ndia *as practiced since the %eginning of %an"ing system in 3ndia( The first ne* generation Private Sector !an" to %e set up in 3ndia *as 3ndusland !an"( 3t is one of the Fastest gro*ing !an" Private Sector !an"s in 3ndia( 3 !3 ran"s the tenth largest development %an" in the *orld as Private Sector !an"s in 3ndia has promoted a *orld class 3nstitutions in 3ndia(

C!0P

The first private %an" in 3ndia to receive an in principle approval from $eserve !an" of 3ndia *as Housing evelopment Finance Corporation

:imited+ to set up a %an" in the private sector %an"s in 3ndia as part of $!3s li%erali-ation of the 3ndian !an"ing 3ndustry( 3t *as incorporated in August <@@; as H FC !an" :imited *ith registered office in Mum%ai and commenced operation as Schedule Commercial !an" in January <@@=(

TOP BANKS IN INDIA

The follo*ing are %est %an"s *hich are currently operating in 3ndia under the guidelines of $eserve !an" of 3ndia '$!3)/>

<( 4( 7( ;( =( C( D( ?(

A%n Amro !an" in 3ndia Allah%ad !an" American .5press !an" Andhra !an" !an" of 3ndia Canara !an" Central !an" of 3ndia Centurion !an" of Punja%
?

C!0P

@( <A( <<( <4( <7( <;( <=(

Citi !an" Corporation !an" H FC !an" HS!C !an" 3C3C3 !an" 3 !3 !an" 3ndian 0verseas !an"

<C( 8ota" Mahindra !an" <D( <?( <@( 4A( 4<( 44( 0riental !an" of Commerce Punja% Bational !an" State !an" of 3ndia Standard Chartered !an" 2nited !an" of 3ndia 2T3 !an"

47( G.S !an"

C!0P

<A

C!0P

CENTURION BANK OF PUNJAB

(#)

A*'+, ,-% *#&.

Centurion %an" of Punja% is a ne* generation private sector %an" offering a *ide spectrum of retail+ SM. and corporate %an"ing products and services( 3t has %een among the earliest %an"s to offer a technology>ena%led customer interface that provides easy access and superior customer services(

Centurion !an" of Punja% *as formed %y the merger of Centurion !an" and !an" of Punja%+ %oth of *hich had strong retail franchises in their respective mar"ets Centurion !an" had a *ell>managed and gro*ing retail assets %usiness+ including leadership position in t*o>*heeler loan and commercial vehicle loans+ and a strong capital %ase( !an" of Punja% %rings *ith it a strong retail deposit customer %ase in Borth 3ndia in addition to a si-a%le SM. agriculture portfolio(

<<

C!0P

The shares of the %an" are listed on the major stoc" e5changes in 3ndia and also on the :u5em%ourg Stoc" e5change( C-/%0 E1%2+,/3% O00/2%4 (CEO) 5 M#&#$/&$ D/4%2,'4 Mr( Shailendra !handari C-#/46#& Mr( $ana Tal*ar D/4%2,'47 Mr( S( 9en"ites*aran Mr( Shital 8umar Jain Mr( 8amlesh 9i"amsey Mr( $ajiv Mali*al Mr( J( S( 1eorge Mr( 8( 8( A%dul $a-a" Mr( G( 8( Modi Mr( Chee Jin 8iong Mr( Jai%ir Singh Mr( S( 8( Soni

<4

C!0P

(*)

D/7,4/*+,/'& N%,8'4.

Centurion !an" of Punja% has a nation *ide reach through its net*or" of 4;@ %ranches and ATMs across <47 locations in 44 states( The 3ndian !ranches of the Centurion !an" of Punja% as/>

Andhra Pradesh+ Chandigarh+ Chattisgarh+

elhi+ 1oa+ 1ujarat+ Haryana+

Himachal Pradesh+ Jammu H 8ashmir+ Jhar"hand+ 8arnata"a+ 8erala+ Madhya Pradesh+ Maharashtra+ 0rrisa+ Punja%+ Pondicherry+ $ajasthan+ Tamil Badu+ 2ttar Pradesh+ 2ttranchal+ #est !engal(

(2)

T%2-&'9'$:

Centurion !an" of Punja% operates in a highly automated environment in terms of information technology and communication systems( The entire %an"s %ranches have connectivity+ *hich ena%les the %an" to offer speedy funds transfer facilities to its customers( The !an" has made su%stantial

<7

C!0P

efforts and investments in ac6uiring the %est technology availa%le internationally to %uild the infrastructure for a #orld>Class !an"(

The !an" has prioriti-ed its engagement in technology and the 3nternet as one of its "ey goals and has already made significant progress in *e%> ena%ling its core %usinesses( 3n each of its %usiness+ the %an" has succeeded in leveraging its mar"et position+ e5pertise and technology to create a competitive advantage and %uild mar"et share(

The %an" aims to serve all the %an"ing and financial needs of its customer through multiple delivery channels+ each of *hich supported %y state>of>the> art technology architecture(

Among Centurion !an" of Punja%s greatest strength is the fact that is a professionally managed %an" *ith a glo%ally e5perienced and capa%le management team( The day>to>day operations of the %an" are loo"ed after %y Mr( Shailendra !handari+ Managing irector H C.0 Mr( $ana Tal*ar is the Chairman of the !oard( Some of our major shareholders vi-( Share capital+ !an" Muscat and 8eppel Corporation+ Singapore and represented on the !oard(

<;

C!0P

(;)

B+7/&%77 P4'0/9%

Centurion !an" of Punja% caters to a *ide range of %an"ing services covering commercial and investment %an"ing on the *holesale side and transactional , %ranch %an"ing on the retail side( The %an" has three "ey %usiness areas/ >

W-'9%7#9% B#&./&$ S%43/2% -

The %an"s target mar"et is primarily large+ %lue chip manufacturing companies in the 3ndian corporate sector and to a lesser e5tent+ emerging mid>si-ed corporate( For these corporate+ the !an" provides a *ide range of commercial and transactional %an"ing services+ including *or"ing capital finance+ trade services+ transactional services+ cash management etc( The !an" is also a leading provider(

<=

C!0P

Structure solutions+ *hich com%ine cash management services *ith vendor and distri%utor finance for facilitating superior supply chain management for its corporate customers(

!ased on its superior product delivery , service levels and strong customer orientation+ the %an" has made significant inroads into the %an"ing consortia of a num%er of leading 3ndian corporate including multinationals+ companies from the domestic %usiness houses and prime pu%lic sector companies( 3t is recogni-ed as a leading provider of cash management and transactional %an"ing solutions to corporate customers+ mutual funds+ stoc" e5change mem%ers and %an"s(

R%,#/9 B#&./&$ S%43/2%7 -

The o%jective of the $etail !an" is to provide its target mar"et customers a full range of financial products and %an"ing services+ giving the customer a one>stop *indo* for all his,her %an"ing re6uirements(

The Centurion !an" of Punja% preferred program for high net *orth individuals+ the investment advisory programs have %een designed "eeping
<C

C!0P

in mind needs of customers *ho see" distinct financial solutions+ information and advice on various investment avenues( The !an" also has a *ide array of retail loan products including Auto :oans+ :oans against mar"eta%le securities+ Personal :oans and :oans for T*o>#heelers( 3t is also a leading provider of epository services to retail customers+ offering

customers the facility to hold their investments in electronic form(

T4%#7+4: O<%4#,/'&7 -

#ithin this %usiness+ the %an" has three main product areas I foreign e5change and derivatives+ local currency money mar"et and de%t securities and e6uities( #ith the li%erali-ation of the financial mar"ets in 3ndia+ corporate need more sophisticated ris" management information+ advice and product structures( These fines pricing on various treasury products are provided through the %an"s treasury team( To comply *ith statutory reserve re6uirements+ the %an" is re6uired to hold 4=J of its deposits in government securities( The treasury %usiness is responsi%le for managing the returns and mar"et ris" on this investment portfolio(

<D

C!0P

(%)

P4';+2, #&; S%43/2%7

<( Personal %an"ing/ >

Saving !an" Account Current account Fi5ed eposits 1lo%al e%it Card 9isa Money Transfer Premium Pay 3nternet !an"ing Mo%ile $efill

4( $etail :oans/ >

T*o #heeler :oan Personal :oan Property :oan Commercial 9ehicle :oan

<?

C!0P

Construction .6uipment :oan Auto :oan Agriculture :oan .ducation :oan

7( #ealth Management/ >

3nsurance Mutual Fund Portfolio Trac"er .6uity Fi5ed 3ncome Products 3P0 !u--

;( Corporate !an"ing/ >

Corporate and SM. Treasury Financial+ 3nstitutional and 1overnment

<@

C!0P

Trade Finance Channel Finance

=( Foreign .5change and B$3 Services/ >

Foreign Currency eposits

Term eposits 0nline !an"ing

C(

emat

D( Cash and Transaction Services/ >

Collection Services Payment Service

?( Senior Citi-ens Services @( ePay Solution <A( !ill Pay Services <<( 1ift Card Services <4( SMS Alert Services

4A

C!0P

(0)

M/77/'& #&; B+7/&%77 7,4#,%$:

Centurion !an" of Punja% mission is to %e a #orld Class 3nternational !an"& I %enchmar"ing ourselves against international standards and %est practices in terms of product offerings+ technology+ service levels+ ris" management and audit and compliance( The o%jective is to %uild sound customer franchises across district %usiness so as to %e a preferred provider of %an"ing services for target retail and *holesale customer segments and to achieve a healthy gro*th in profita%ility+ consistent *ith the %an"s ris" appetite( #e are committed to do this *hile ensuring the highest levels of ethical standards+ professional integrity and regulatory compliance( Centurion !an" of Punja% has %een providing #orld Class !an"ing Services in 3ndia( 3t is our endeavor to continue to provide !est in Class& products and services to our customers(

4<

C!0P

44

C!0P

ABOUT THE PROJECT

P4'=%2, T/,9% -

A Comparative study of current and saving accounts of different private sector %an"s *ith special reference to Centurion !an" of Punja%

Follo*ing si5 %an"s are/ >

<( 3C3C3 !an" 4( H FC !an" 7( 3 !3 !an" ;( 2T3 !an" =( 8ota" Mahindra !an"

47

C!0P

C( G.S !an"

O*=%2,/3% '0 ,-% <4'=%2, -

The o%jective is to define as the core o%jective of the research project( The research *as conducted aiming it fulfilling the follo*ing o%jectives/ >

To "no* *here the %an" stands in the %an"ing mar"et and *hat is the financial position of %an"s( To find out difference %et*een various private sector %an"s( 2nderstanding of current and saving accounts of different %an"s and to "no* *hich %an" is providing %etter services to the customer( To ta"e the feed%ac" of the customers that ho* they are responding to the ne* product,scheme of the !an"( To solve the 6ueries of the customers(

4;

C!0P

S/$&/0/2#&2% '0 ,-% P4'=%2, -

T' ,-% C'6<#&:

The Company *anted to "no* that *hat is the present mar"et status of the company in the mind of general pu%lic( They also *anted to "no* that ho* their customers are responding to their ne* launched scheme as *ell as their complaints *ith the service of the Company(

T' ,-% R%7%#42-%4

The $esearcher has got the opportunity to have the practical e5perience of the classroom "no*ledge that they have gained during the pursuance of her !!A Curriculum( They also gained the significant "no*ledge a%out the

4=

C!0P

financial mar"et and had an opportunity to e5pose them *ith the various levels of the mar"et(

T' O,-%47 -

The study *ill %ecome useful for the future scholars *ho *ould *ish to conduct the similar study( The research can %e an important source of information for future Scholars(

S2'<% '0 ,-% 7,+;: -

The study *as confined to the former and e5isting Customers of Current and Saving Accounts of Centurion !an" of Punja% *ithin the Jaipur region(

(#) C+44%&, A22'+&,7

4C

C!0P

Current accounts are che6ue>operated accounts maintained for mainly %usiness purposes( !an"s generally insists on a higher minimum %alance to %e maintained in current account( Considering the large num%er of transactions in the account and volatile nature of %alances maintained overnight %an"s generally levy certain service charges for operating a Current account(

2nli"e savings %an" account no limits are fi5ed %y %an"s on the num%er of transactions permitted in the Account(

3n terms of $!3 directive %an"s are not allo*ed to pay any interest on the %alances maintained in Current accounts( Ho*ever+ legal heirs of a decreased person are paid interest at the rates applica%le to Savings %an" deposit from the date of death of the account holder till the date of settlement(

C+44%&, A22'+&, S2-%;+9% '0 C-#4$%7 '0 C%&,+4/'& B#&. '0 P+&=#* W/,- %00%2, 04'6 J#&+#4: >, 2006

4D

C!0P

N#6% '0 ,-% $egular C+44%&, A?2 P#4,/2+9#47 A@B (R7!) N'& M#/&,%&#&2% C-#4$%7

Silver

Silver Plus

1old

iamond

<AAAA,> $s( <<<A,>

4=AAA,> =AAAA,> <AAAAA,> =AAAAA,> AE! K L AE! K L AE! K L AE! K L < =AJ <<<A,> K $s( =AJ 4D=A,> $s( =AJ ;;AA,> $s( lacs CCAA,> M < $s(

AE! M =AJ AE! M =AJ AE! M =AJ AE! <AA J K <AA J K $s( ?7A,> $s( <<<A,> $s( <<=,> for First free Free =A leaves than $s( <<=,> for =A D%6#&; D4#0,7 $s( 4D=A,> Free

<AA J lacs K = lacs $s( ;;AA,> Free

C-%A+% B''.

leaves 2p to $s( < 2p to $s( < Free up to Free up to Free up to lacs 4(D=,> $s( lacs Per 4(D=,> $s( $s( = lacs $s( <= lacs $s( ;A lacs Per per month per month per month month <AAA,> =A,>+ M $s( = lacs M $s( <= lacs M $s( ;A lacs month per <AAA,> $s( =A,>+ $s( month per <AAA,> $s( =A,>+ $s(

$s( <AAA,> lacs 4(4=,> $s( $s(

$s( <AAA,>

A%ove $s( < A%ove $s( < per $s( lacs Per 4(4=,> <AAA,> $s( =A,>+ $s( Per $s( $s(

$s( $s( 4,> Per $s( 4,> Per $s( 4,> Per <AAA,> 'minimum =A,>+ ma5imum $s( =AAA,> ) Free 'minimum ma5imum $s( =AAA,> ) Free month per A(A= '$s( $s( Per <AAA,>) 'minimum ma5imum $s( =AAA,> ) Free month per month

'minimum ma5imum P#: '4;%4

'minimum ma5imum

$s( 4D=,>) $s( 4D=,>) $s( <(=A,> Free Per <AAA,> per '$s( Per <AAA,>)

$s( M <AA P0s M <AA P0s M 4AA P0s M 4AA P0s month per A(A= '$s( $s( Per <AAA,>) A(A= '$s( A(A= Per $s( $s( <AAA,>)

4?

C!0P

ICICI B#&. W/,- %00%2, 04'6 A<4/9 >, 2006

N#6% '0 ,-% Standard C+44%&, A?2 P#4,/2+9#47 A@B (R7!) N'& <AAAA,> AE! K L =AJ $s( M#/&,%&#&2% D=A,> C-#4$%7 AE! M =AJ K L D=J $s( CAA,> AE! M D=J K <AAJ $s( ;=A,> C-%A+% B''. U< ,' 200 C-%A+% L%#3%7 $s(4,> Per leaf M'4% ,-#& 200 C-%A+% 9%#3%7/$s(= per leaf 'At Par) 4=AAA,> AE! K L =AJ $s( <AAA,> AE! M =AJ K L D=J $s( ?AA,> AE! M D=J K <AAJ $s( ==A,> U< ,' 200 C-%A+% L%#3%7 $s(4,> Per leaf M'4% ,-#& 200 C-%A+% 9%#3%7 $s(= per leaf 'At Par) =AAAA,> AE! K L =AJ $s( <=AA,> AE! M =AJ K L D=J $s( <4AA,> AE! M D=J K <AAJ $s( D=A,> U< ,' 200 C-%A+% L%#3%7 $s(4,> Per leaf M'4% ,-#& 200 C-%A+% 9%#3%7 $s(= per leaf 'At Par) <AAAAA,> AE! K L =AJ $s( 7AAA,> AE! M =AJ K L D=J $s( 44=A,> AE! M D=J K <AAJ $s( <=AA,> U< ,' B00 C-%A+% L%#3%7 $s(4,> Per leaf M'4% ,-#& B00 C-%A+% 9%#3%7 $s(= per leaf 'At Par) 7AAAAA,> AE! K L =AJ $s( D=AA,> AE! M =AJ K L D=J $s( ==AA,> AE! M D=J K <AAJ $s( 7D=A,> U< ,' B00 C-%A+% L%#3%7 $s(4,> Per leaf M'4% ,-#& B00 C-%A+% 9%#3%7 $s(= per leaf 'At Par) =AAAAA,> AE! K L =AJ $s( <AAAA,> AE! M =AJ K L D=J $s( D=AA,> AE! M D=J K <AAJ $s( =AAA,> U< ,' B00 C-%A+% L%#3%7 $s(4,> Per leaf M'4% ,-#& B00 C-%A+% 9%#3%7 $s(= per leaf 'At Par) Classic Premium 1old 1old plus Platinum

D%6#&; D4#0,7

P#:#*9% P#:#*9% P#:#*9% P#:#*9% P#:#*9% P#:#*9% $s(< Per $s(< Per Free up to Free Free Free $s( <AAA,> $s( <AAA,> $s( C :ac D4#8& O& D4#8& O& D4#8& O&

4@

C!0P minimum $s(7A,> D4#8& #, &'& ICICI B#&. $s( 4(=A per $s(<AAA minimum $s(;A,> minimum $s(7A,> D4#8& #, &'& ICICI B#&. $s( 4(4= per $s(<AAA minimum $s(;A,> Per day A%ove that $s( A(=A,> per $s <AAA,> minimum $s 7A,> D4#8& #, &'& ICICI B#&. $s( <(=A,> per $s(<AAA minimum $s(;A,> &'& ICICI B#&. $s( <(=A,> per $s(<AAA minimum $s(;A,> &'& ICICI B#&. $s( <(=A,> per $s(<AAA minimum $s(;A,> &'& ICICI B#&. $s( <(=A,> per $s(<AAA minimum $s(;A,>

P#: '4;%4

$s( <,> per $s(<AAA,> minimum $s( =A,>

$s( <,> per Free $s(<AAA,> minimum $s( =A,>

Free

Free

Free

HDFC B#&. W/,- %00%2, 04'6 M#: >, 2006

N#6% '0 ,-% $egular C+44%&, A?2 P#4,/2+9#47 A@B (R7!) N'& M#/&,%&#&2% C-#4$%7 Premium Trade Plus

$s <AAAA,> 3n case of non maintenance $s D=A,> Per 6uarter

$s 4=AAA,> 3n case of non maintenance $s @AA,> Per 6uarter

$s ;AAAA,> 3n case of non maintenance $s <4AA,> Per 6uarter

$s <AAAAA,> 3n case of non maintenance/ A%ove $s =AAAA,> >$s <=AA,> !elo* $s =AAAA,> >$s CAAA,> Free At Par

C-%A+% B''.

=A Che6ue leaves free+ Additional che6ue leaf $s 4 per leaf+ normal che6ue %oo"

Free Paya%le at Free At Par Par 3n Case AE! is not maintained+ Additional Che6ue leafs *ill %e charge 7A

C!0P N $s =,> per che6ue leaf D%6#&; D4#0,7 $s <(=A Per $s <AAA,>OH FC :ocationP $s 4(=A Per $s <AAA,>OS!3 :ocationP $s <(=A Per $s Free 2nlimited <AAA,>OH FC O$!3 :ocationP :ocationsP $s 4(=A Per $s <AAA,>OS!3 :ocationP Free *ithout value cap O$!3 locationP Free up to a total of $s =A lacs per month a%ove this NA(4= per $s <AAA,>minimum $s 4=,> ma5imum $s =AAA,>OS!3 :ocationsP 3f 3ssued from non> home %ranch/ on full amount A(=A per $s <AAA+ minimum $s 4=,> P#: '4;%4 $s <(AA Per $s $s <(AA Per $s Free <A <AAA,> <AAA,> month per Free

IDBI B#&. W/,- %00%2, 04'6 A<4/9 >, 2006

N#6% '0 ,-% !asic C+44%&, A?2 P#4,/2+9#47 A@B (R7!) Trade Plus Special !ron-e Plus $s( <AAAA,> $s( 4=AAA,> B%,8%%& R7 2B000 ,' R7 >0000 > $s <A<A,> L%77 ,-#& R7 >0000 > $s <<4=,> $s =AAAA,> B%,8%% & R7 B0000 ,' R7 2B000 > $s ?;=,> L%77 ,-#& R7 2B000 > $s <<4=,> 7< $s <AAAAA, > B%,8%% & R7 >00000 ,' R7 B0000 > $s 4?A=,> L%77 ,-#& R7 B0000 > $s $s <AAAAA, > B%,8%% & R7 >00000 ,' R7 B0000 > $s 4?A=,> L%77 ,-#& R7 B0000 > $s $s 7AAAAA, > B%,8%% & R7 C L#27 ,' R7 2 L#27 > $s 77C=,> L%77 ,-#& R7 2 L#27 B+, $s =AAAAA,> B%,8%%& R7 B L#27 ,' R7 D L#27 > $s 44;=,> L%77 ,-#& R7 D L#27 B+, !ron-e Silver 1old

N'&

B%,8%%& R7 >0000 M#/&,%&#&2% ,' R7 C-#4$%7 B000 > $s =C=,> L%77 ,-#& R7 B000 > $s <<4=,>

C!0P ;=7A,> ;=7A,> G4%#,%4 ,-#& > L#27 > $s ;=7A,> L%77 ,-#& > L#2 > $s =C<=,> = che6ue %oo" free Per Euarter Addition al leaf $s 4(4= per leaf OBormal P( A, P#4 (H'6% *4#&2-) Free up to $s 4 Crore( 1reater than 4 Crore per month $s < per <AAA,> 'min $s CA) G4%#,%4 ,-#& 2 L#27 > $s 77C=,> L%77 ,-#& > L#2 > $s =C<=,> = che6ue %oo" free Per Euarter Addition al leaf $s 4(4= per leaf OBormal P( A, P#4 (H'6% *4#&2-) Free up to $s 7 Crore( 1reater than 7 Crore per month $s < per <AAA,> 'min $s CA) (N'& H'6% B4#&2-) Free up to $s 4 Crore+ 1reater than 4 Crore

C-%A+% B''.

<st che6ue %oo" free 'normal) Additional leaf $s 4(=A per leaf A, P#4 availa%le su%ject to charges $s <(4= per $s <AAA,> 'min $s CA)

0ne che6ue %oo" Per Euarter free Additional leaf $s 4(4= per leaf OBormalP A, P#4 Free up to $s <= :acs( 1reater than <= :acs per month $s < per <AAA,> 'min $s CA)

7 che6ue %oo"s Per Euarter free Addition al leaf $s 4(4= per leaf OBormal P( A, P#4 (H'6% *4#&2-) Free up to $s =A :acs( 1reater than =A :acs per month $s < per <AAA,> 'min $s CA) (N'& B4#&2L'2#,/' &7) Free up to $s 4= :acs+ 1reater than 4= lacs per

7 che6ue %oo"s Per Euarter free Addition al leaf $s 4(4= per leaf OBormal P( A, P#4 (H'6% *4#&2-) Free up to $s CA :acs( 1reater than CA :acs per month $s < per <AAA,> 'min $s CA) (N'& H'6% B4#&2-) Free up to $s ;A :acs+ 1reater than ;A lacs per

7 che6ue %oo"s Per Euarter free Addition al leaf $s 4(4= per leaf OBormal P( A, P#4 (H'6% *4#&2-) Free up to $s < Crore( 1reater than <Crore per month $s < per <AAA,> 'min $s CA)

(N'& (N'& H'6% H'6% B4#&2-) B4#&2-) Free up Free up to $s < to $s =A Crore+ :acs+ 1reater 1reater than < than =A Crore

74

C!0P month $s <(4= per <AAA,> 'minimu m $s CA) D%6#&; D4#0,7 A, RBI C%&,%47 $s 4(4= per $s <AAA,> 'minimum $s CA) month $s <(4= per <AAA,> 'minimu m $s CA) lacs per month $s <(4= per <AAA,> 'minimu m $s CA) per month $s <(4= per <AAA,> 'minimu m $s CA) per month $s <(4= per <AAA,> 'minimu m $s CA)

A, RBI A, RBI A, RBI A, RBI A, RBI A, RBI C%&,%47 C%&,%47 C%&,%47 C%&,%47 C%&,%47 C%&,%47 Free Free Free Free Free Free N'& RBI C%&,%47 Free up to = :acs per ay+ 1reater than = :acs per ay at $s < per $s <AAA,> 'minimu m $s CA) N'& B4#&2L'2#,/' & $s 4(=A per <AAA,> 'minimu m $s CA) N'& RBI C%&,%47 Free up to = :acs per ay+ 1reater than = :acs per ay at $s < per $s <AAA,> 'minimu m $s CA) N'& B4#&2L'2#,/' & Free up to $s D :acs At $s 4(=A per <AAA,> 'minimu m $s CA) N'& RBI C%&,%47 Free up to <A :acs Per ay+ 1reater than <A :acs per ay at $s < per $s <AAA,> 'minimu m $s CA) N'& B4#&2L'2#,/' & $s 4(=A per <AAA,> 'minimu m $s CA) N'& RBI C%&,%47 Free up to <A :acs Per ay+ 1reater than <A :acs per ay at $s < per $s <AAA,> 'minimu m $s CA) N'& B4#&2L'2#,/' & Free up to $s <7 :acs per month+ 1reater than $s <7 :acs at $s 4(=A per <AAA,> 'minimu N'& RBI C%&,%47 Free up to <A :acs Per ay+ 1reater than <A :acs per ay at $s < per $s <AAA,> 'minimu m $s CA) N'& B4#&2L'2#,/' & Free up to $s 7A :acs per month+ 1reater than $s 7A :acs at $s 4(=A per <AAA,> 'minimu

N'& RBI C%&,%47 Free up to = :acs per N'& RBI month+ C%&,%47 1reater $s 4(4= than = per $s :acs per <AAA,> month at 'minimum $s <(4= $s CA) per $s <AAA,> 'minimum $s CA)

77

C!0P m CA) P#: '4;%4 $s <(4=,> Per $s <AAA,> 'minimum $s CA And Ma5imum $s CAAA,>) $s <(4=,> Free Per $s <AAA,> 'minimum $s CA And Ma5imum $s CAAA,>) Free Free Free $s m CA) Free $s

UTI B#&. W/,- %00%2, 04'6 M#: >, 2006

N#6% '0 ,-% Bormal C+44%&, A?2 P#4,/2+9#47 MAB (R7!) N'& M#/&,%&#&2% C-#4$%7 C-%A+% B''. !usiness Advantage !usiness classic !usiness Privilege

$s( <AAAA,> $s( 4=AAA,> $s( <AAAAA,> $s( =AAAAA,> $s( <D=,> 'per $s( <=A,> 'per $s( <4=,> 'per $s( <AA,> 'per month) First month) che6ue First month) che6ue First month) che6ue First che6ue

%oo" free+ $s( %oo" free+ $s( %oo" free+ $s( %oo" free+ $s( D%6#&; D4#0,7 4,> (P#:#*9% #, UTI B#&. 9'2#,/'&7)/ Ad 9alorem Charges > $s( <(=A, Per $s <AAA,> Transaction Charges I $s( 4=,> Per (P#:#*9% #, 2'44%7<'&;%&, B#&. L'2#,/'&7 +&;%4 D%7. D4#8/&$ 4,> (P#:#*9% #, UTI B#&. 9'2#,/'&7)/ Ad 9alorem Charges > Free up to $s( 7 la"hs per month+ a%ove free limit $e <,> Per $s( <AAA,> Transaction Charges > Free up to <A s per month+ a%ove free limit $s( 4=,> Per 4,> (P#:#*9% #, UTI B#&. 9'2#,/'&7)/ Ad 9alorem Charges > Free Transaction Charges > Free (P#:#*9% #, 2'44%7<'&;%&, B#&. L'2#,/'&7 +&;%4 D%7. D4#8/&$ #44#&$%6%&,)/ $s( <(=A,> Per $s( <AAA,> 4,> (P#:#*9% #, UTI B#&. 9'2#,/'&7)/ Ad 9alorem Charges > Free Transaction Charges > Free (P#:#*9% #, 2'44%7<'&;%&, B#&. L'2#,/'&7 +&;%4 D%7. D4#8/&$ #44#&$%6%&,)/ $s( <(=A,> Per $s( <AAA,>

7;

C!0P #44#&$%6%&,)/ $s( 4(=A,> Per $s( <AAA,> minimum $s( 4=,> Per (P+42-#7%; 04'6 ',-%4 B#&.7)/ Actual Q $s( A(=A,> Per $s( <AAA minimum $s( =A,> Per (P#:#*9% #, 2'44%7<'&;%&, B#&. L'2#,/'&7 +&;%4 D%7. D4#8/&$ #44#&$%6%&,)/ $s( 4 ,> $s( Per <AAA,> minimum $s( 4=,> per (P+42-#7%; 04'6 ',-%4 B#&.7)/ Actual Q $s A(=A,> Per $s( <AAA,> minimum $s( =A,> Per Ad minimum $s( 4=,> per (P+42-#7%; 04'6 ',-%4 B#&.7)/ Actual Q $s( A(=A,> Per $s( <AAA,> minimum $s( =A,> Per minimum $s( 4=,> per (P+42-#7%; 04'6 ',-%4 B#&.7)/ Actual Q $s( A(=A,> Per $s( <AAA,> minimum $s( =A,> Per

P#: '4;%4

Ad 9alorem Charges > $e <,> Per $s( <AAA,> Transaction Charges I $s( =A,> Per

9alorem Ad

9alorem Ad

9alorem

Charges > Free Charges > Free Charges > Free Transaction Charges > Free Transaction Charges > Free Transaction Charges > Free

K',#. M#-/&;4# B#&. W/,- %00%2, 04'6 J#&+#4: >, 2006

N#6% '0 ,-% .dge Pro Ace

C+44%&, A?2 P#4,/2+9#47 A@B (R7!) N'&

$s 4=AAA,>

$s =AAAA,> $s 4AAA,>

$s 4=AAAA,> $s =AAA,>

M#/&,%&#&2% $s <AAA,>

C-#4$%7 C-%A+% B''.

Bormal First At Par First Che6ue Free AT par Che6ue %oo" is free !oo" is free than $s than $s ; Per :eaf 4 per leaf 'at Par)

7=

C!0P D%6#&; D4#0,7 Minimum $s =A,>+ Free O$s =AAAA,>P $s Per $s <AAA,> $s 4 per <AAA,> Oa%ove $s =AAAA,>P Free unlimited Ohome %ranch locationsP $s <(4= Per $s Free <AAA,> Minimum $s =A,> Free !elo* 7A :acs $s 4 per $s <AAA,> Oa%ove 7A:acsP Free unlimited OHome !ranch :ocationsP Free

P#: '4;%4

YES B#&. W/,- %00%2, 04'6 J#&+#4: >, 2006

N#6% '0 ,-% $egular Silver 1old

C+44%&, A?2 P#4,/2+9#47 A@B (R7!) N'&

$sD=AAA,>

$s 4AAAAA,> $s 4AAA,>

$s =AAAAA,> $s ;AAA,> Free at par

M#/&,%&#&2% $s <AAA,>

C-#4$%7 C-%A+% B''.

At Par+ First Che6ue Free at Par %oo" is free than $s 4,> Per :eaf $s 4(= per $s <AAA,> Osome other %an"P $s <(D= Per $s <AAA,>Oat G.S %an"P

D%6#&; D4#0,7

= Free Oat %ranch Free locationP a%ove = charge $s <(= per $s <AAA,>Oat %ranch locationP $s 4,> per <AAA,>Oat other %an"P Free

P#: '4;%4

= free than $s A(D= Free Per $s <AAA,>

O*7%43#,/'& -

7C

C!0P

These ta%les sho* the charges of different current accounts of different %an"s( #e can find out the minimum and ma5imum charges of different %an"s %y this o%servation(

(*) S#3/&$ A22'+&,7

A Savings %an" account is the most common operating account for individuals and others for non>commercial transactions( A Savings account helps people to put through day>to>day %an"ing transactions %esides earning some return on the savings made( !an"s generally put some ceilings on the total num%er of *ithdra*als permitted during specific time periods(

!an"s also stipulate certain minimum %alance to %e maintained in savings accounts( Bormally a higher minimum %alance is stipulated in che6ue> operated accounts as compared to non>che6ue operated accounts(

7D

C!0P

C'6<#4#,/3% 7,+;: '4 7#3/&$ #22'+&, '0 ;/00%4%&, <4/3#,% 7%2,'4 *#&.7 8/,- 7<%2/#9 4%0%4%&2% '0 C%&,+4/'& B#&. '0 P+&=#* -

B#&. N#6% P#4,/2+9#47 A@B (R7!)

C!0P

3C3C3

H FC

3 !3

2T3

8ota"

G.S

<AAAA,> 4AAAA,>

=AAA,> 4=AAA,> 'silver) <AAAA,> =AAAAA,>

=AAA,>

=AAA,>

D=AAA,> 'priority salary) <AAAAA,> 'priority)

<AAAA,> 4AAAA,> D=AAA,>

<AAAA,>

M/&/6+6 *#9#&2% 2-#4$%7 (R7!)

<<<A,>

'gold) ?4D,> 'E) D=A,> 0n =AAA,> R 3n 1old a,c of <AAAAA S3f not maintain the %alance it *ill %ecome general '=AAA) a,c after < year(T <<4,> 'Annual) on =AAA,> if average maintenance <AAAA,> Bo Charge

47A,>

=AAA,> R Sal( A,c per $s A R month R A>4=AA $s D=A Q ?7A,> Ta5 per 4=AA > =AAA $s 6uarter =AA Q Ta5

7AA,> Q Ta5 on <AAAA,> R CAA,> Q Ta5 on 4AAAA,> R <AAA,> Q Ta5 on D=AAA,> R

7AA,> on <AAAA,> R CAA,> on <AAAAA,>

ATM C-#4$%7

; times *ithdra*al free on <AAAA,> Free on 4AAAA,>

Free %ut if <<A,> AE! has Per %een Annum Charged then = *ithdra*al Free H 7A,> $s( Charge

@=,> Q 8ota" H Ta5 on H FC =AAA,> Free on <AAAA,> H from other %an" ATMs 4=,> per transaction( Free on 4AAAA,> H

C *ithdra*al free a%ove this =A,> C %alance in6uires free a%ove this 4A,>

7?

C!0P D=AAA,> M#1/6+6 8/,-;4#8#9 (R7!) C-%A+% B''. At Par =AAAA,> 4=AAA,> on <=AAA,> silverR =AAAA,> on gold Bormal on Bormal Silver A,cR At Par on gold A,c CAA =7< Bormal At Par At Par At Par 4=AAA,> ;AAAA,> 4=AAA,> 4=AAA,>

B4#&2-%7 /& I&;/# B4#&2-%7 /& J#/<+4

4;@

More than <@A 7

More than ;=A 7 H

?@

4;

= H 7 *ill ; open

< <

<

e5tension office

O*7%43#,/'& -

This comparison sho*s the charges of different saving account of different %an"s( !y this o%servation *e can find out the minimum and ma5imum charges of different %an"s(

7@

C!0P

;A

C!0P

RESEARCH METHODOLOGY

The study of this project is %ased on the mar"et research(

;<

C!0P

<(

ata Type

Primary and Secondary data %oth escriptive $esearch =A $espondents

4( $esearch esign / 7( Sample Si-e /

H:<',-%7/7 -

The study of this project %ased on the assumption that are the private sector %an"s providing %etter services than pu%lic sector %an"sU 3f private sector %an"s provide services *ith international standard then profita%ility can %e improved(

L/6/,#,/'&7 '0 ,-% R%7%#42- -

The $esearcher tried to ma"e the research *or" as authentic as possi%le( Ho*ever the follo*ing constraints are still unavoida%le/ >

;4

C!0P

<(

All the results and conclusions have %een dra*n on the %asis of the information provided %y the respondents( 3t cannot %e denied that here *as al*ays a possi%ility of response error(

4(

The Be* Product,Scheme launched %y the %an" is %eneficial for their $elationship Customers+ %ut some respondents *ere reluctant and tend to filter the information of the $esearcher(

;7

C!0P

ANALYSIS, CONCLUSION AND SUGGESTION

A&#9:7/7
This research is %ased on =A $espondents( !y this research *e can analy-e the status of Centurion !an" of Punja% in %an"ing sector(

;;

C!0P

Centurion !an" of Punja% holds 7rd position in the %an"ing sector(

Position of banks in the banking sector

29

30 25 20 User's % 15 10 5 0

18 16 13

6 3 1 1 Bank Name ICICI CBOP HDFC UTI IDBI KOTAK YES

The a%ove chart sho*s out of =A respondents 4@ are using 3C3C3+ <? are using H FC+ <C are using C!0P+ <7 are using 2T3+ C are using 3 !3+ 7 are using 80TA8+ and < is using G.S !an"( Most popular service provided %y the %an"s is Saving A,c in the %an"ing sector(

;=

C!0P

Services of the bank

40 35 30 25 User's % 20 15 10 5 0 12 8 3 1 Product Name Saving a/ *$!a+ F!n& ,( 0#") C!""#n$ a/ ,i-# In). 1#n#"a+ In). Fi%#& D#'()i$) H(/# ,(an P#")(na+ ,(an) 18 10 8 10 38 31

According to this analysis 7? customers are using saving a,c+ <4 customers are using current a,c+ <A customer are using fi5ed deposits+ 7 customers are using mutual fund+ 7< customers are using life insurance+ ? customers are using home loan+ <A customer are using loc"ers+ ? customers are using general insurance and <A customers are using personal loans(

Centurion !an" of Punja% is *or"ing *ith A939A :ife 3nsurance Company( 3t holds 7rd position in the mar"et(

;C

C!0P

Ranking of Life nsurance Company

45 40 35 30 25 User's % 20 15 10 5 0 1 9 5 6

42

Company Name A2I2A HDFC S$an&a"& BA3A3 ,IC KOTAK OTHE4

This analysis sho*s out of =A respondents @ are using A939A :ife 3nsurance+ = are using H FC :ife 3nsurance+ C are using !AJAJ :ife 3nsurance+ ;4 are using :ife 3nsurance Corporation+ = are using 80TA8 :ife 3nsurance+ and 7 are using other 3nsurance companies(

Customers point of vie* a%out the statement !an" is the one stop solution(&

;D

C!0P

Bank is a one stop so#ution

34 35 30 25 16 20 User's % 15 10 5 0 1 User's !ie" YES 5O

This chart sho*s 7; respondents are agree *ith this statement and <C respondents are disagree *ith this statement(

$esponse gets from the %an"ers regarding any pro%lem(

;?

C!0P

Response for Prob#em So#ving

18 18 16 14 12 10 Customer's % 8 6 4 14

18

1 2 0 1 Bankers Response

2#"6 1((&

Sa$ia-a $("6

1((&

Ba&

According to this analysis <; respondents are getting very good response+ <? respondents are getting satisfactory response+ <? respondents are getting good response and < respondent is getting very %ad response from the %an"ers(

Private sector %an"s offer %etter services than pu%lic sector %an"s(& According to customers vie*

;@

C!0P

Comparison bet"een pub#ic and private sector banks

30

26

25

21

20

Response 15

10 3 5

0 1 $ptions

D#-ini$#+6 Y#)

5(

5($ S!"#

4C respondents say definitely yes+ 7 respondents say no and 4< respondents are not sure a%out this statement(

Features availa%le in the %an"s for attracting more and more customers(

=A

C!0P

%eatures of bank to attract customers

35 30 25 20 User's Response 15 10 5 0 1 %eatures 5 15

31

16

Agg"#)iv#n#))

B#7avi("

S#"vi #

8("0 T#n&#n 6

0ut of =A respondents = customers are attracted %y aggressiveness+ <= customers are attracted %y %ehavior+ 7< customers are attracted %y services and <C customers are attracted %y *or" tendency of the %an"(

Features of %an"ers for attracting customer for doing %etter %usiness(

=<

C!0P

&ttracting features of Bankers

35 30 25 20 20 User's Response 15 10 5 0 1 %eatures 11 19

31

3 1

P!n $!a+i$6

Agg"#)iv#n#))

B#7avi("

A-$#" )a+# )#"vi #

B#$$#" S#"vi #)

In$#g"i$6

This analysis sho*s 4A customers *ant punctuality+ < customer *ants aggressiveness+ <@ customers *ant %ehavior+ << customers *ant after sale service+ 7< customers *ants %etter service and 7 customers *ant integrity in the %an"ers(

Satisfaction level of the customer(

=4

C!0P

Satisfaction of customer "ith the bank

25

23

24

20

15 User's Response 10 3

0 1 Satisfaction Leve#

F!++6

Pa"$ia++6

5($ Sa$i)-6

Can9$ Sa6

According to this analysis out of =A respondents 47 customers are fully satisfied+ 4; customers are partially satisfied+ 4 customers are not satisfy *ith the %an"( 7 customers cant say anything a%out the %an"(

$an"ing of the products and services provided %y the %an" on the %asis of most essential to least essential(

=7

C!0P

Ranking of Products provided by bank

96.65: 100.00: 90.00: 80.00: ;0.00: 60.00: User's Response 50.00: 40.00: 30.00: 20.00: 10.00: 0.00: 1 Product Name 80.40: ;3: ;2.60: 63: 64.60:

AT*

D((" S$#' Ban0ing

,( 0#")

P7(n# Ban0ing

F("#ign E% 7ang#

5#$ Ban0ing

This chart sho*s the ran"ing of most essential product for customer( ATM service gets @C(CJ mar"s and <st ran"( :oc"ers get ?A(;AJ mar"s and 4nd ran"( oorstep %an"ing gets D7J mar"s and 7 rd ran"( Phone %an"ing gets

D4(CJ mar"s and ;th ran"( Bet %an"ing gets C;(CJ mar"s and = th ran"( Foreign .5change gets C7J mar"s and Cth ran"( ATM is the most essential service and Foreign .5change is least essential service for the customers(

C'&29+7/'&

=;

C!0P

3n the age *here the *orld has %ecome smaller and money moves as 6uic"ly as information+ achieving glo%al %ench mar"ers is important for glo%al players( !ut underlying this is the need to have sound fundamentals( There is no dou%t that only %an"s and financial institutions that are focused on efficiency+ productivity and profita%ility have a chance to survive in the highly competitive environment and therefore need to e6uip themselves thoroughly(

Centurion !an" of Punja% is doing very *ell %usiness and hold 7rd position in the %an"ing sector according to this research( 0ut of =A respondents ;? came into contact *ith Centurion !an" of Punja%( .ither they *ere formal customers or they are presently dealing *ith Centurion !an" of Punja%( Bot only in retail %an"ing+ %ut also in retail loans+ online services and other services Centurion !an" of Punja% is having a good mar"et( Mostly respondents attract to*ards its products %ecause there are very less documents re6uired in comparison to other %an"s+ *hich frustrate the customers(

==

C!0P

4AJ respondents *ere not satisfied %y the services of Centurion !an" of Punja%( Though ?AJ respondents *ere not having any pro%lem *ith the %an"( :oan sanction to the customers very 6uic"ly+ *ithin D4 hours for Bon>relationship Customers and 7A minutes for relationship customers+ *hich attracts more customers( Centurion !an" of Punja% is also gro*ing in the insurance %usiness( 3t holds 7rd position in the :ife 3nsurance sector according to this study(

S+$$%7,/'&7

.ven as Centurion !an" of Punja% moves closer to glo%al %ench mar"s+ there are some areas that *ill need greater attention and *ill has to prepare themselves to grapple *ith these challenges if they are to %ecome strong and compete *ith glo%al players( Centurion !an" of Punja% should give attention to*ards the services it provides to their customers+ %ecause mostly customers are not satisfied *ith its services(

=C

C!0P

Centurion !an" of Punja% should al*ays launch innovative and ne* products+ schemes that attract more customers(

=D

C!0P

BIBLIOGRAPHY

=?

C!0P

!oo"s/

P(B( 9arshney+ !an"ing :a* and Practice+ Sultan Chand and

Sons .ducational Pu%lishers+ Bineteenth .ditoin+4AA<(

Prasanna Chandra+ Financial Management Theory and Practice+

Tata Mc 1ra* Hill Pu%lishing Company :imited+ Fifth .dition+ .ighth $eprint+ 4AA;(

John J( Hampton+ Financial decision Ma"ing+ Prentice Hall of

3ndia Private :imited+ fourth .dition+ eleventh $eprint+ 4AA<(

H( $( Machiraju+ 3ndian Financial System+ 9i"as Pu%lishing

House Private :imited+ Second .dition+ $eprint 4AA4(

:eslie Chand*ic"+ The essence of Financial and !an"ing+

Prentice Hall of 3ndia Private :imited+ second .dition+ fifth $eprint+ 4AA<(

=@

C!0P

8PM Sundharam+ Money+ !an"ing+ Trade and Finance+ Sultan

Chand and Sons .ducational Pu%lishers+ Binth .ditoin+4AA<(

#e%sites/

***(centurion%op(com

***(icici%an"(com

***(indian%an"ingassociation(com

***(google(com

Maga-ines/

!usiness Today

!rochures of C!0P

$!3 guidelines

CA

C!0P

C<

C!0P

@UESTIONNAIRE

<( From the follo*ing *hich %an" you are using( 3C3C3

Centurion !an" of Punja% 'C!0P)

H FC

2T3

3 !3

8ota" Mahindra

C4

C!0P

G.S

4( #hich product from the follo*ing you are currently havingU Saving Accounts

Current Accounts

Fi5ed eposit

Mutual Funds

:ife 3nsurance

Home :oans

:oc"ers

1eneral 3nsurance

Personal :oans

C7

C!0P

7( Please tic" the company *hose insurance you have ta"en( A939A

H FC Standards

!AJAJ

:3C

8ota" :ife 3nsurance

Any 0ther

;( !an" is one stop solution& o you agree *ith this statementU G.S

Bo

C;

C!0P

=( #hat "ind of response did you get from your %an"ers regarding any pro%lemU 9ery good

Satisfactory

1ood

!ad

C( Private sector %an"s offer %etter services than pu%lic sector %an"s(& #hat do you thin"U

efinitely Ges

Bo

Bot sure

C=

C!0P

D( From the follo*ing features of a private sector %an"+ *hich feature are you attracting mostU Aggressiveness

!ehavior

Service

#or" tendency

?( #hat feature you *ant %e present in your %an"erU Punctuality

Aggressiveness

!ehavior

After sale service

!etter service

CC

C!0P

3ntegrity

@( Are you satisfied *ith services of your %an"U Fully

Partially

Bot satisfy

Cant say

<A(Please ran" the follo*ing services 'first %eing the most important and si5th %eing the least important() ATM

oor step %an"ing

:oc"ers

CD

C!0P

Phone %an"ing

Foreign %an"ing

Bet %an"ing

Bame/ Address/

C?