UNIVERSAL BANKING

A
PROJECT REPORT
ON
UNIVERSAL BANKING
BACHELOR OF COMMERCE IN BANKING AND INSURANCE

(SEMESTER V)
Under the Guidance of
PROF. BHAKTI MULCHANDANI

Submitted

In Partial Fulfillment of the requirement for the Award of the

degree of Bachelor of commerce in Banking and insurance

Submitted by:
DNYNESHWAR RANGRAO SANDULE
ROLL NO. 1728014
SHRI SIDH THAKURNATH COLLEGEOF ARTS &
COMMERCE
ULHASNAGAR 421 004

UNIVERSITY OF MUMBAI
2017-2018
 ACKNOWLEDGEMENT

My project is a result of the inspiring and thoughtful guidance and supervision of

my project guide PROF. BHAKTI MULCHANDANI I am deeply indebted to
her whose help, time, support, inspiration, stimulating suggestions and
encouragement helped me in all the times of research and writing of this report.
This project has widened my horizon to various areas under general knowledge
regarding the practical and real aspects of UNIVERSAL BANKING".
I whole heartedly thank all the concerned people at college as well as at
university level, who have given me the chance for preparing this valuable
project.
I would further like to thanks our Principal Sir Dr. J.C. Purswani for giving me
an opportunity to complete our Project
Last but not least, this Project has definitely helped me to achieve something
which will be useful to us in near future and hence I am thankful to all persons
who have helped in knowledge.
 DECLARATION

I, DNYANESHWAR RANGRAO SANDULE student of TYBCBI

(Bachelor of Commerce in Banking and Insurance) hereby declare that I have
completed the Project on UNIVERSAL BANKING in the academic year
2017-18.
The information submitted is true and original to the best of my knowledge.

DNYANESHWAR.R. SANDULE.

{T.Y.BBI}
 EXECUTIVE SUMMARY

The study was undertaken to know what exactly Universal Banking is and what a BANK does
to be a Universal Bank. How banking and Universal Banking are different. How the role of a
bank today is different from its traditional role.
This study shows the various strategies adopted by different banks in Universal
Banking. It also shows that it is the need of the customer which forces a BANK to be a
Universal Bank.

WHAT THIS PROJECT INCLUDES:

This project depicts clear understanding of Universal Banking and its impacts.
Today Universal Banking is a emerging phenomenon. The term Universal Banks in general
refers to the combination of commercial banking and investment banking, i.e., issuing,
underwriting, investing and trading in securities. In a very broad sense, however, the term
Universal Banks refers to those banks that offer a wide range of financial services, beyond
commercial banking and investment banking, such as, insurance. However, Universal
Banking does not mean that every institution conducts every type of business with every type
of customer. Universal Banking is an option; a pronounced business emphasis in terms of
products, customer groups and regional activity can, in fact, be observed in most cases.
This also shows different products, services, investment, loans, some value added
services of some leading banks in the country. The competition emerging needs, technology
demand these banks to be Universal Banks.

The study has been conducted with the help of the material and information provided at
different banks, through some books on Banking and a few websites.

Some limitations may be there in a study of this nature because some confidential
data may create problems for the banks in future. I have tried my best to explain the
concepts.
 OBJECTIVE

To position a bank in terms of the progress made by it in

the direction of universal banking

To examine the risk exposure of bank.

To critically examine debate on universal banking in the

context of the sample studied

To come out with valuable suggestions for improvement

 INDEX

SR. Chapter Name Page.

NO No
1 INTRODUCATION OF UNIVERSAL BANK 1-30

1.1 History of Banking in India

1.2 Banking Structure in India

1.3 Broad Classification of bank in India
1.4 Role of Reserve Bank in India (RBI)
1.5 Objective of the study
1.6 Scope of the study
1.7 Research methodology
1.8 Advantages and limitations of universal banking

2 UNIVERSAL BANKING 31-57

2.1 Universal banking in India

2.2 Products and services offered by universal banks

2.3 Universal banking coupled with SWOT

2.4 Impact of universal banking
3 WHAT IS UNIVERSAL BANKING 58-61
3.1Economics of Universal Banking

3.2 Economies of Scale

 3.3 Economies of Scope
4 HOW BANKING TO UNIVERSAL BANKING 62

5 Major Policy Guidelines 63-70

5.1 Electronic Clearing Service (ECS)

5.2 Guidelines on One-Time Settlement Scheme for SME

Accounts
5.3 Guidelines for External Commercial Borrowings (ECB)

5.4 Internet Banking in IndiaGuidelines

5.5 Reserve Bank Guidelines on purchase/ sale of Non

Performing Financial Assets
6 ISSUES OF CONCERN FOR UNIVERSAL 71
BANKING
7 SUGGESTIONS AND RECOMMENDATIONS 72
I ANNEXURE
A QUESTIONNAIRE I-II

B CONCLUSION III

C BIBLIOGRAPHY IV

D WEBILOGRAPHY IV