1.

Introduction
Introduction to the concept- The acquiring bank accepts
the risk that the merchant will remain solvent over time,
and thus has an incentive to take a keen interest in the
merchant's products and business practices. Interchange
fee is a term used in the payment card industry to describe
a fee that a merchant’s bank (the “acquiring bank”) pays a
customer’s bank (the “issuing bank”) when merchants
accept cards using card networks such as Visa and
MasterCard for purchases. In a credit card transaction, the
card-issuing bank in a payment transaction deducts the
interchange fee from the amount it pays the acquiring bank
that handles a credit or debit card transaction for a
merchant. The acquiring bank then pays the merchant the
amount of the transaction minus both the interchange fee
and an additional, usually smaller fee for the acquiring
bank which is often referred to as a discount rate, an add-
on rate. For cash withdrawal transactions at ATMs,
however, the fees are paid by the card-issuing bank to the
acquiring bank.

Scope-

 Company profile
 Financial status
 ATM
 SWOT analysis
2. Research Methodology
 Research design- Descriptive
 Location- Chandigarh
 Sample method- random
 Sample unit- students, business man, serviceman, professionals
 Sample size- 100
 Data collection- Interview
 Instrument- Questionnaire
 Data analysis- graphs and charts
 Limitations of study

3. Proposed chapters
 Executive summary
 Intro. To study
 Research methodology
 Data presentation
 Conclusion
 Suggestions
 Limitations
Appendix and Bibliography
Questionnaire

1. Do you have a bank account?

Yes ( ) No ( )

2. If yes, then tick which bank account you have?

SBI ( ) PNB ( )

HDFC ( ) UNION BANK OF INDIA ( )

Axis ( ) ICICI ( )

OTHERS ..............

3. Do you use ATM?

Yes ( ) No ( )

4. If yes, then how frequently you use?

Daily ( ) Weekly ( )

Monthly ( )

5. In which bank ATM you frequently use your card?

PNB ( ) SBI ( )

HDFC ( ) UNION BANK OF INDIA ( )

Axis ( ) ICICI ( )

OTHERS...............

6. Why you operate your card in that particular bank ATM? Please specify....

.....................................................

7. Are you aware about the charges which are paid by bank on per transaction by other bank
ATM?

Yes ( ) No ( )

8. What are the problems have you encountered while using an ATM?

Wait in long queues ( )

Inserting card incorrectly ( )

Limit on daily withdrawal ( )

Any other ( )
 9. Other ATM problems.

ATM working too slowly ( )

Incorrect amount of cash dispensed ( )

ATM not able to print slips when demanded ( )

Any other ( )

10. Is there any requirement of ATM in your region?

Yes ( ) No ( )

11. Are you satisfied with your bank ATM facility?

Highly satisfied ( ) satisfied ( )

Average ( ) Dissatisfied ( )

Highly Dissatisfied ( )

Personal Details

NAME: ..............

AGE: ..................

GENDER: ...............

PROFESSION: ................................................

ADDRESS: ............................................

............................................................................

PHONE NO. ............................................................