SYNOPSIS

TOPIC OF THE PROJECT :

MARKET

SEGMENTATION

STRATEGIES

OF

ANY

PHARMACUETICAL

ORGANIZATION

RATIONAL OF THE STUDY

Thisprojectismainlyconcernedwiththedepositsectionofnationalized
banks.Themainobjectivewastostudythevariousdepositschemesoffered
bynationalizedbanksformobilizingdepositsfrompublic.
Depositmobilizationmeansattractingdepositsfrominvestors.Anotherarea
of progress of banks is the acceleration of deposit mobilization. Deposit
mobilizationeffortbybankshasnotbeenadequatetomeettheneedsofthe
present economic environment. Yet there is a vast scope for mobilizing
depositsfromdifferentsectorsoftheeconomy,particularlyinruralareas.
Most of the deposit mobilization schemes are now tailored to the
convenienceandpreferenceoftheurbandepositors,neglectingthepotential
ruraldepositors.Thebankshavetotailortheschemestomatchinnature,
convenience,preferenceandtheneedsoftheruraldepositorstobeableto
exploittheuntappedruralsavings.
Thebankshavetoretailororrefashiontheirschemesinthelightofevery
emerging situation and in view of the severe competition from national
savings organization, unit trust of India, nonbanking companies and the

like.
Thesuccessofanydepositmobilizationwouldverymuchdependuponthe
personalizedservicesofthestaffofruralbranches.Integrationwiththerural
community, participation in local activities and development of personal
relationsbythebanksstaffwillenablethebanktotaptheruralsavings.
Nationalizationhasmadeitpossibleforthebankstoreachtotheremotest
cornerofthecountrytomeettheeconomicneedsbyformulatingschemesto
suit the requirements of the weaker section of the society in innovative
manners.Thus,nationalizationhashelpedbanksinachievingtheallround
progressofthecountrybyachievingthesocialisticgoals.

OBJECTIVES
Themainobjectivesofthestudyareasfollows:

Tofindoutthevariousschemesofferedbynationalizedbanks

formobilizingdeposits.

Tofindoutthesavingsandinvestmentmodesofferedbybanks.

Tostudythepatternandacceptanceofdeposits.

Toknowwhichdepositschemeisreallyperformingwell..

RESEARCHMETHODOLOGYTOBEUSEDFORCARRINGOUT
THESTUDYDEALINGNATUREOFDATA
Researchdesignisabasicplanwhichguidestheresearcherinthecollection

andanalysisofdatarequiredforpracticingtheresearch.Thefundamental
baseforthesuccessofaprojectdependsonitseffectiveresearchdesign.
Researchdesignsimplymeansasearchforfacts,answerstoquestionsand
solutionstoproblems.
Thisresearchisbyandlargeinvolvesthefollowingmethods:

Scanningthroughstandardtextbookstounderstandthetheory

behinddepositmobilization.

Decision regarding the study of depository system of five

nationalizedbanks.

Collection of industry profile and their different schemes.

Finallyforwarding
2.1STATEMENTOFTHEPROBLEM
Thestudyhasbeenconductedtoknowthevariousdepositschemesoffered
bydifferentnationalizedbankswithdifferentinterestratesandbenefitsfor
mobilizingtheirdeposits.Herethemainideaistoanalyzethedifference
betweenvariousdepositschemesofferedbyfivenationalizedbanks.
2.2SCOPEOFTHESTUDY
Thistopicoftheprojectismainlyconcernedwithdepositsection.Themain
area covered under this is the study of various schemes offered by
nationalizedbankswithdifferentinterestratesandbenefitstoattractdeposit
amount.

2.3NEEDFORTHESTUDY
Thestudyhasbeenfocusedtowardshownationalizedbanksattractfunds
fromtheinvestors.Thevariousmethods,interestratesofferedbydifferent
bankstohavetheirownuniquenesshasbeenneededforthisstudy.
2.4OBJECTIVESOFTHESTUDY
Themainobjectivesofthestudyareasfollows:

Tofindoutthevariousschemesofferedbynationalizedbanks

formobilizingdeposits.

Tofindoutthesavingsandinvestmentmodesofferedbybanks.

Tostudythepatternandacceptanceofdeposits.

Toknowwhichdepositschemeisreallyperformingwell..

Secondarydata:
Secondarydatameansdatathatarealreadyavailablethatistheyrefertothe
datawhichhavebeencollectedandanalyzedbysomeoneandcansavethe
timeoftheresearcher.
Secondary data may be available in the form of company records, trade
publications,librariesetc.Thesecondarydatasourcesare:
.1a.companyreports.

.2b.Dailynewspapers.
.3c.Articles.
.4d.Brochuresandtextbooks.
.5e.Internet(variouswebsites).
Primarydata:
Primarydataarethosewhicharecollectedforthefirsttime.Primarydatais
collectedbyinterviewingcertainemployees,managerswhowerechosenon
thebasisoftheirindepthknowledgeandworkexperienceinthebank.The
interviewwasinformalinnaturetogainasmuchaspossible.
FIELDWORK
Initialfieldworkisdoneforpretestingtoolsfordatacollection,suchas
observationsandinterviewscheduleandmeasurementscales.Themainfield
workislaunchedafterthetoolsarereadyforuse.
DATAANALYSISTOOLSUSED
Inthisresearchthedataanalysistoolsusedarepercentagesandgraphs.The
variousattributeswereanalyzedseparatelyandtheimportancetoeachwas
calculated on basis of the percentage. The rank having the maximum
percentagewastakentobepreferredimportancetotheparticularattribute.
After having looking at each attribute separately, all the attributes were
consideredtogethertodevelopamaponthemostpreferredrankforallthe

attributes.
In the present project the field work consists of going to libraries for
theoreticalaspectsandbrowsingthroughnetforvariousschemesofferedby
differentnationalizedbanksandalsovisitingbanksforcertainclarification.
OVERVIEWOFTHEREPORT
Asystematicanddetailedstudyofthedepositmobilizationwasundertaken
withrespecttonationalizedbanks.Thisreporthasbeenexplainedinfive
chapters.
ChapterI
This chapter highlights the general introduction and the theoretical
backgroundofthestudy.Thisgivesabriefidearegardingtheproject.
ChapterII
Thischapterstatestheresearchdesign,sourcesofdata,statementofthe
problem, field work, data collection instruments, scope of the study,
objectives of the study, need for the study, limitations of the study, an
overviewofthereport.
ChapterIII
Thischapterthrowslightontheprofileoftheindustry,theprofileofthe
organization.
ChapterIV

Inthis chapter, thedata collected is compiled,tabulated, processed and

analysed. Graphs areshown tomakethefindings.Brief introductionof
eachdepositanditsanalysisofthedatahasbeengiven
ChapterV
Conclusions are prepared on the basis of the analyzed data and certain
recommendationshavebeenaddedwhichcanbehelpfulforthecompanyto
improvetheirperformance.
LIMITATIONSOFTHESTUDY
Everyresearchprojectiscarriedoutwithaspecificobjectiveinmind.The
researchertrieshisbesttoachieveaccurateresults.Butevenifutmostcare
is taken right from the stage of topic selection through identifying data
sources,analysis,selecting,findingscopeofstudy,noresearchprojectcan
achieve100%accurateresults.Samplingandnonsamplingerrormayaffect
theresulttosomeextent.Themainlimitationsofthisprojectare:

Timewasthemajorlimitationbecauseonlyintwoandhalf

monthsresearchprojectshouldbepreparedandinthislimitedtimeofthe
studyalltheinformationwasnotpossibletobecollected.

Thestudywasexclusivelylimitedtofivenationalizedbanks.