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A

PROJECT STUDY REPORT


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ON

TRAINING UNDERTAKEN AT

“ Comparison of CASA products in Private & Nationalized Banks ”

A Project Report submitted in partial fulfillment of the requirements of

POST GRADUATE DIPLOMA IN MANAGEMENT

TO

Asia Pacific Institute of Management

BY

SHRUTI GARG
ACKNOWLEDGEMENT

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I, SHRUTI GARG, M.B.A Student in ASIA PACIFIC INSTITUTE OF


MANAGEMENT, DELHI is highly grateful to all those who guided me in completing
this project.
First of all, I would like to pay my heartiest thanks to entire family of
HDFC BANK especially Mr. AMIT GUPTA, BRANCH MANGER; PRASHANT
KAPIL, PERSONAL BANKER; who provided me such a wonderful opportunity to do
Summer Training and provided their valuable suggestions in understanding the work of
Research Project.
Last but not the least, I would like to thanks all faculties of ASIA
PACIFIC INSTITUE OF MANAGEMENT, DELHI who gave me the useful tips and
suggestions regarding project. I would like to thanks my faculty guide
, Mr. R.K. SINGHAL for imparting his valuable guidance to me.
Words can never express the deep sense of gratitude, I feel for HDFC
BANK employees, who has been a constant source of inspiration and encouragement
for me.

SHRUTI GARG(MBA)
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PREFACE

I had undergone a practical training under HDFC BANK, HALDWANI.


It was a good exposure & a great privilege for me to undergo training in such a
reputable company. The 5 weeks period enhanced my knowledge and experience
regarding SAVING & CURRENT ACCOUNT.
Summer training is one of the major experiencing components of the
knowledge, with respect to marketing and dealing with situations in a professional
course like M.B.A. where a professional person faces a problem in the field. I was able
to get familiarized with the customer relationship and got to know how a company
measures to resolve their grievances and service them to the maximum for future
prospect and success. Field component like survey, generation of questionnaire with
respect to marketing helped me a lot and would be a great support in future.

“It is good to have enthusiasm but it is essential to have training. Training


can be in all way of life.” Thus I would say that this training was beneficial educative
& good exposure to me, which will certainly help in my near future. This project was
designed with respect to this HDFC Bank. The project made me to get the enhanced
knowledge regarding SAVING & CURRENT ACCOUNT concept.
STUDENT’S DECLARATION

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I hereby declare that the Project & Training Report On

COMPARISON OF CASA A/C IN PTIVATE & NATIONALISED BANKS

Conducted at

HDFC BANK

Under the guidance of

Mr. AMIT GUPTA

&

Mr. PRASHANT KAPIL

Submitted in partial fulfillment of the requirements of

POST GRADUATE DIPLOMA IN MANAGEMENT

TO

ASIA PACIFIC INSTITUTE OF MANAGEMENT

Is my original work and the same has not been submitted for the award of any degree/ diploma/
fellowship or other similar titles or prizes.

Place: HALDWANI SHRUTI GARG (M.B.A)

CONTENTS
CHAPTER PARTICULARS
Pg .No.

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1 Introduction of Banks & Comparison of CASA products
HDFC Bank 8-22
Profile 8
Milestones in the History 11
Products at a Glance 16
CASA Products Comparison 17

ICICI Bank 23-30


Profile 23
Comparison of CASA Products 25

AXIS Bank 31-35


Profile 31
Comparison of CASA Products 32

State Bank of INDIA 36-40


Profile 36
Comparison Of CASA Products 38

Bank Of Baroda 41-45


Profile 41
Comparison of CASA Products 42

CONTENTS

CHAPTER PARTICULARS
Pg .No.
Punjab National Bank 46-51
Profile 46
Comparison of CASA Products 48
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Private Vs nationalized banks 52
2 Research Methodology 54

3 Data analysis 62

4 Limitations 72

5 Annexure 74

6 Bibliography 76
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History
HDFC Bank was incorporated in the year of 1994 by Housing Development Finance Corporation
Limited (HDFC), India's premier housing finance company. It was among the first companies to
receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the
private sector. The Bank commenced its operations as a Scheduled Commercial Bank in January Page
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1995 with the help of RBI's liberalization policies.

In a milestone transaction in the Indian banking industry, Times Bank Limited (promoted by
Bennett, Coleman & Co. / Times Group) was merged with HDFC Bank Ltd., in 2000. This was
the first merger of two private banks in India. As per the scheme of amalgamation approved by
the shareholders of both banks and the Reserve Bank of India, shareholders of Times Bank
xreceived 1 share of HDFC Bank for every 5.75 shares of Times Bank.

In 2008 HDFC Bank acquired Centurion Bank of Punjab taking its total branches to more than
1,000. The amalgamated bank emerged with a strong deposit base of around Rs. 1,22,000 crore
and net advances of around Rs. 89,000 crore. The balance sheet size of the combined entity is
over Rs. 1,63,000 crore. The amalgamation added significant value to HDFC Bank in terms of
increased branch network, geographic reach, and customer base, and a bigger pool of skilled
manpower.

Business Focus

HDFC Bank deals with three key business segments - Wholesale Banking Services, Retail
Banking Services, and Treasury. It has entered the banking consortia of over 50 corporate for
providing working capital finance, trade services, corporate finance and merchant banking. It is
also providing sophisticated product structures in areas of foreign exchange and derivatives,
money markets and debt trading and equity research.

Wholesale Banking Services


The Bank's target market ranges from large, blue-chip manufacturing companies in the Indian
corp. to small & mid-sized corporates and agri-based businesses. For these customers, the Bank
provides a wide range of commercial and transactional banking services, including working
capital finance, trade services, transactional services, cash management, etc. The bank is also a
leading provider of structured solutions, which combine cash management services with vendor
and distributor finance for facilitating superior supply chain management for its corporate
customers. HDFC Bank has made significant inroads into the banking consortia of a number of
leading Indian corporates including multinationals, companies from the domestic business
houses and prime public sector companies. It is recognized as a leading provider of cash
management and transactional banking solutions to corporate customers, mutual funds, stock Page
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exchange members and banks.

Retail Banking Services


The objective of the Retail Bank is to provide its target market customers a full range of financial
products and banking services, giving the customer a one-stop window for all his/her banking
requirements. The products are backed by world-class service and delivered to customers
through the growing branch network, as well as through alternative delivery channels like
ATMs, Phone Banking, Net Banking and Mobile Banking.

HDFC Bank was the first bank in India to launch an International Debit Card in association with
VISA (VISA Electron) and issues the MasterCard Maestro debit card as well. The Bank
launched its credit card business in late 2001. By March 2009, the bank had a total card base
(debit and credit cards) of over 13 million. The Bank is also one of the leading players in the
“merchant acquiring” business with over 70,000 Point-of-sale (POS) terminals for debit / credit
cards acceptance at merchant establishments. The Bank is well positioned as a leader in various
net based B2C opportunities including a wide range of internet banking services for Fixed
Deposits, Loans, Bill Payments, etc.

Treasury
Within this business, the bank has three main product areas - Foreign Exchange and Derivatives,
Local Currency Money Market & Debt Securities, and Equities. These services are provided
through the bank's Treasury team. To comply with statutory reserve requirements, the bank is
required to hold 25% of its deposits in government securities. The Treasury business is
responsible for managing the returns and market risk on this investment portfolio

.
Distribution Network

HDFC Bank is headquartered in Mumbai. The Bank has a network of 1,725 branches spread in
771 cities across India. All branches are linked on an online real-time basis. Customers in over
500 locations are also serviced through Telephone Banking. The Bank has a presence in all
major industrial and commercial centers across the country. Being a clearing/settlement bank to
various leading stock exchanges, the Bank has branches in the centers where the NSE/BSE has a
strong and active member base.

The Bank also has 3,898 networked ATMs across these cities. Moreover, HDFC Bank's ATM
network can be accessed by all domestic and international Visa/MasterCard, Visa Page Page
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Electron/Maestro, Plus/Cirrus and American Express Credit/Charge cardholders.
MILESTONES IN THE HISTORY
CAPITALSTRUCTURE

As on 31st March, 2010 the authorized share capital of the Bank is Rs. 550 crore. The HDFC
Group holds 23.73 % of the Bank's equity and about 16.97 % of the equity is held by the ADS
Depository (in respect of the bank's American Depository Shares (ADS) Issue). 26.59 % of the
equity is held by Foreign Institutional Investors (FIIs) and the Bank has about 4,41,347
shareholders.
The shares are listed on the Bombay Stock Exchange Limited and The National Stock Exchange
of India Limited. The Bank's American Depository Shares (ADS) are listed on the New York
Stock Exchange (NYSE) under the symbol 'HDB' and the Bank's Global Depository Receipts
(GDRs) are listed on Luxembourg Stock Exchange under ISIN No US40415F2002.
HDFC Bank began its operations in 1995 with a simple mission: to be a "World-class Indian
Bank". They realized that only a single-minded focus on product quality and service excellence
would help us get there. Today, they are proud to say that they are well on our way towards that
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goal. It is extremely gratifying that their efforts towards providing customer convenience have
been appreciated both nationally and internationally.

• 2009

Euro money Awards 2009 'Best Bank in India'

Economic Times Brand Equity & Most Trusted Brand - Runner Up


Nielsen Research annual survey
2009

Asia Money 2009 Awards Best Domestic Bank in India'

IBA Banking Technology Awards Best IT Governance Award - Runner up'


2009

Global Finance Award 'Best Trade Finance Bank in India for 2009

IDRBT Banking Technology 'Best IT Governance and Value Delivery'


Excellence Award 2008

Asian Banker Excellence in Retail 'Asian Banker Best Retail Bank in India Award
Financial Services 2009 '

• 2008
Finance Asia Country Awards for 'Best Bank and Best Cash Management
Achievement 2008 Bank'

CNN-IBN 'Indian of the Year (Business)'

Nasscom IT User Award 2008 'Best IT Adoption in the Banking Sector' Page
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Business India 'Best Bank 2008'

Forbes Asia Fab 50 companies in Asia Pacific

Asian Banker Excellence in Retail Best Retail Bank 2008


Financial Services

Asia money Best local Cash Management Bank


Award voted by Corporate

Microsoft & Indian Express Group Security Strategist Award 2008

World Trade Center Award of honor For outstanding contribution to


international trade services

Business Today-Monitor Group survey One of India's "Most Innovative


Companies"

Financial Express-Ernst & Young Award Best Bank Award in the Private Sector
category

Global HR Excellence Awards - Asia 'Employer Brand of the Year 2007 -2008'
Pacific HRM Congress: Award - First Runner up, & many more

Business Today Best Bank' Award


• 2007

Dun & Bradstreet – American Express 'Corporate Best Bank' Award


Corporate Best Bank Award 2007 Page
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The Bombay Stock Exchange and 'Best Corporate Social Responsibility
Nasscom Foundation's Business for Practice' Award
Social Responsibility Awards

Outlook Money & NDTV Profit Best Bank Award in the Private sector
category.

The Asian Banker Excellence in Retail Best Retail Bank in India


Financial Services Awards

Asian Banker Our Managing Director Aditya Puri wins


the Leadership Achievement Award for
India

Financial Express Ernst & Young Award Best Bank Award in


the Private Sector category.

Business Today ‘Best Bank Award’


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• 2006

Business Today Best Bank in India

Forbes Magazine One of Asia Pacific's Best 50 companies.

Business world Best listed Bank of India

The Asset Magazine's Triple A Country Best Domestic Bank


Awards

Asia money Awards Best Local Cash Management Bank in


Large and Medium segments.

Euro money Awards "Best Bank" in India.


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• 2005

Asia money Awards Best Domestic Commercial Bank

Asia money Awards Best Cash Management Bank – India

The Asian Banker Excellence Retail Banking Risk Management Award


in India

Finance Asia magazine Best Bank in India

Economic Times Awards "Company of the Year" Award for


Corporate Excellence

The Asset Triple A Country Awards Best Domestic Bank in India Region -2005

Business Today KPMG Survey Best Local Cash


Management Bank in

India US$11-100m – 2005

Business Today KPMG Survey "Best Bank in India" for


the third

Business Today consecutive year in 2005

Economic Times Avaya Global Connect

Customer Responsiveness Awards "Most Customer Responsive company.


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Savings Accounts Credit Cards Forex products


Regular Savings Account Silver Credit Card
Products & Services
Savings Plus Account Value Plus Credit Card
Trade Services
SavingsMax Account Gold Credit Card
Forex Services Branch Locator
Senior Citizens Account Titanium Credit Card
RBI Guidelines
No Frills Account Woman's Gold Credit Card
Forex Limits
Institutional Savings Account Platinum Plus Credit Card
Salary Accounts Visa Signature Credit Card
Payment Services
PRODUCTS AT A GLANCE
Payroll World MasterCard Credit Card
NetSafe
Classic Corporate Platinum Credit Card
Merchant Services
Regular
Corporate Credit Card
Premium Prepaid Refill
Business Platinum Credit Card
Defence gay
No Frills Salary Account Business Gold Credit Card
BillPay
Reimbursement Current Account Purchase Card
Visa BillPay
Kid's Advantage Account Distributor Card
PayNow
Pension Saving Bank Account Debit Cards Register & Pay
Family Savings Group EasyShop International Debit Card InstaPay
Kisan No Frills Savings EasyShop Gold Debit Card DirectPay
Kisan Club Savings EasyShop International Business Debit mChek
Card
Current Accounts Visa Money Transfer
EasyShop Woman's Advantage Debit
Card RTGS Funds Transfer
Plus Current Account
EasyShop Titanium Debit Card e-Monies Electronic Funds Transfer

Trade Current Account


EasyShop NRO Debit Card Access your Bank
Prepaid Cards
NetBanking
ForexPlus Card
Premium Current Account
Credit Cards Online
GiftPlus Card
OneView
Regular Current Account
InstaAlerts
MoneyPlus Card
MobileBanking
RFC - Domestic Account ForexPlus Chip Card
ATM
PhoneBanking
Flexi Current Account Investment Products
Email Statements
Wealth Advisory Services
Branch Network
Apex Current Account
Mutual Funds

Max Current Account


Tax Planning

Fixed Deposits
Insurance
Regular Fixed Deposit

Knowledge Centre
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HDFC Savings account


HDFC Savings account

HDFC Savings accounts are primarily meant to inculcate a sense of saving for the future, accumulating
funds
Over a period of time. Whatever your occupation, HDFC is confident that you will find the perfect
banking
Solution.

USPs Of HDFC BANK


• CBS Branch &Issue of PAP Cheques ( Payable atPar) by default Upto a limit.

• Free RTGS/NEFT Transactions.

• Sweep in- Sweep out facility.

• Special Women’s Advantage Debit Card that offers women products at special prices.
• The leading credit card issuers in India . Hdfc credit card offers you the best rates and more
discounts.

• The only provider of Forex Products & services

• Option to invest in Mutual Funds.

• Convenient & Hassle free banking options like instaAlerts.

• IVR facilities such as Phonebanking, Netbanking, Mobilebanking free for all products.

• Flexible Lunch timings provide uninterrupted services to HDFC customers.


Features & Savings Pension Savings Kid’s Senior No
Benefits Max savings Regular Advanta Citizen Frills
account ge Account account

Internation Free (for Free ( for 100 Free Free ( for Free
al Debit all all Maestro all ATM
Saving Card
A/c products of HDFC Bank
applicant) applicants) Debit applicants) Card.
Charges
• Regular Savings account Card (for Debit
the child Card at
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>= 7) rs. 100
• Pension plus account
Per day 15000 15000 25000 1500 25000 10000
ATM CW
• Savings max account
limit (Rs.)
Per day 25000 25000 35000 1000 25000 N.A.
• Kid’s Advantage account
POS limit
Women’s Free (for N.A. 100 No Free for the 100
• Advantage
Senior Citizensall
account Free if 1st
Debit Card applicant) issued by applicant.
• No frill account Default at RS. 100 for
the time of other
account applicants
A brief Snapshot Of Distinctive features & Benefits of Various savings products by HDFC Bank is as
opening
follows:

Free Monthly Quarterly Quarterly Quarterly Monthly Quarterl


Account y
Statement
Interested Quarterly Quarterly Quarterly Quarterly Quarterly Quarterl
Paid y
Free upto Chargeable yes No Discounted
RS. rates for
Free 50000/da DD
DD/MC at y on issuance fir
home HDFC senior
branches branch citizens as
locations per S&F
brochure.
BillPay Free Free 100 100 100 100
charges
P.A
FEATURES PRIVATE BANKS NATIONALIZED BANKS

NETWORK Wide network of branches Some banks like Almora urban,


and over thousand ATms Nainital bank are concentrated to
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globally. a limited parts of India

EASEOF OPERATION
Private Banks are more Nationalized Banks are little slow
technology oriented, which in their approach and not so Hi-
makes the work easier and tech programmed, they are
faster They are very well traditional in nature. Though they
versed with facilities like are also updating & adopting user
Internet banking, Phone friendly banking features
Banking, mobile Banking, interbanking.
SERVICES SMS Alert etc.

Young staffs in private


Aged staff in nationalized banks
banks that are enthusiastic
who are rather slow. For instance
& well equipped with latest
when you go to withdraw or
technology & hence
deposit cash in nationalized banks,
provide quick services.
they take lot of time for accepting
or giving cash even with the
AMBIENCE
counting machines. Within that
time in a pvt bank employee
would have paid to 3 customers.

CREDIT SERVICES
Ambience at private sector While ambience at nationalized
is more dignified.
Crowded & dingy
PROCESSING OF
CREDIT FACILITY
Private banks offer various While nationalized banks are quite
credit services like credit conservative in such credit
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cards, two wheeler loans facilities.
CBS FACILITIES
etc.

Nationalized banks are little slow


Private banks have faster in carrying out processing of
PRIVILEGE processing of credit credit facilities.
BANKING TO HIGH services
NET WORTH
CUSTOMERS While all the branches in
All branches in private nationalized bank does not
banks are CBS enabled provide core banking solutions

The concept of privilege banking


doesn’t function in nationalized
Nigh net worth customer
banks
receive special treatment,
privilege banking services
& priority processing
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RESEARCH METHODOLOGY

Research methodology is a systematic way, which consists of series of action steps, necessary to effectively carry
research and the desired sequencing to these steps. The marketing research is a process of involves a no. of inter-rela
activities, which overlap and do rigidly follow a particular sequence. It consists of the following steps:-

• Formulating the objective of the study

• Designing the methods of data collection

• Selecting the sample plan


• Collecting the data

• Processing and analyzing the data

• Reporting the findings Page


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Objective of Study

Research Design

Sample Design

Data Collection

Data Analysis

Report of findings

OBJECTIVE OF THE STUDY

 To study the market share in banking sector of private ant limited banks.

 To study the consumer satisfaction with HDFC.

 To know about the position of HDFC bank in market.

 To analyze the decision making process and mindset of the consumers.


RESEARCH DESIGN

A research design is the arrangement of conditions for collection and analysis of the data in a manner that aims
combine relevance to the research purpose with economy in procedure. Research design is broadly classified into th
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types as

• Exploratory Research Design

• Descriptive Research Design

• Causal Research Design

I have chosen the descriptive research design.

DESCRIPTIVE RESEARCH DESIGN:

Descriptive research studies are those studies which are concerned with the characteristics that describe a particu
individual.

In descriptive as well as in diagnostic studies, the researcher must be able to define clearly, what he wants to measure
must find adequate methods for measuring it along with a clear cut definition of population he want to study. Since
aim is to obtain complete and accurate information in the said studies, the procedure to be used must be carefu
planned. The research design must make enough provision for protection against bias and must maximize reliability, w
due concern for the economical completion of the research study.

SAMPLE DESIGN

A Sample Design is a definite plan for obtaining a sample from a given population. It refers to the technique to
procedure adopted in selecting items for the sampling designs are as below:
SAMPLE SIZE

• Sample method Page


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• Survey period

SAMPLE SIZE: The substantial portions of the target customer that are sampled to achieve reliable result are 50.

The cost and time limitation compelled me to select 50 respondents as sample size

SAMPLING METHOD:

In this research project, I am using Random sampling method

SAMPLE SIZE

50 Customers

SAMPLE TYPE

AREA SAMPLING

Sample area is Haldwani ( Uttarakhand)

SAMPLE SELECTION

Simple random selection sampling

SAMPLE TECHNIQUE

I have taken the Statistical tool of percentage method to analysis and interpretation of the collected data.

RANDOM SAMPLING:

A random sample gives every unit of the population a known and non-zero probability of being selected. Since rand
sampling implies equal probability to every unit in the population, it is necessary that the selection of the sample must
free from human judgment.

There is some confusion between the two terms ‘random sampling’ and ‘unrestricted’ random sampling. In the la
case, each unit in the population has an equal chance of being selected in the sample. Such a sample is drawn ‘w
replacement’, which means that the unit selected at each draw is replaced into the population before another draw
made from it, ‘As such, a unit can be included more than once in the sample. Most statically theory relates
‘unrestricted random sampling. In order to distinguish between these two sample. I.e. sample, withoutPage
replacement
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sample with replacement, the terms ‘sample random sample’ and ‘unrestricted random sample’ are used. If the latte
devised in such a manner that no unit can be included more than once, it will then be known as the simple rand
sampling.

It may be noted that while both sample random sampling and unrestricted random sampling give an equal probability
each unit of the population for being included in the sample, there are other sample design too which provide eq
probability to the units. The process of randomness is the very core of simple and unrestricted random sampling. T
selection of a sample must be free from bias, which can be ensured only when the process of selection is free fr
human judgment.

DATA COLLECTION

The study was conducted by the means of personal interview with respondents and the information given by them w
directly recorded on questionnaire.

For the purpose of analyzing the data it is necessary to collect the vital information. There are two types of data, this a

• Primary Data

• Secondary data

PRIMARY DATA:-

Primary data can be collected through questionnaire. The questionnaire can be classified into four main types.

• Structured non disguised questionnaire

• Structured disguised questionnaire.

• Non structured non disguised questionnaire


• Non –structured disguised questionnaire.

For my market study, I have sleeted structured non-disguised questionnaire because my questionnaire Page
is well
| structur
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listing of questions are in a prearranged order and where the object of enquiry is revealed to the respondents.

To making a well-structured questionnaire, we have adopted two type of questions-

• Dichotomous questions

• Multiple choice questions

These types of questions are easy to understand and easy to give required answers.

SECONDARY DATA:-

Secondary data means data that are already available i.e. they refer the data which have already been collected
analyzed by someone else. When the researcher utilizes secondary data, than he has to look into various sources fr
where h e can obtain them, in this case he is certainly not confronted with the problems that are usually associated w
the collection of original data. Secondary data may either be published data or unpublished data. Usually published d
are available in:

• Various publications of the central, state and local government;

• Various publications of foreign government or of international bodies and their subsidiary organizational;

• Technical and trade journals;

• Books, magazines and newspapers;

• Reports and publications of various associations connected with business san industry, stock exchanges etc.;

• Reports prepared by research scholars, universities, economists etc;

• Public records and statistics, historical document and other source of published information.

The source of unpublished data are many; they may be found in diaries, letters, unpublished biographies
autobiographies and also may be available with scholars and research workers, trade associations, labor because
other public private individuals and organization.

COLLECTION TECHNIQUE: Page


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Questionnaire method is used in collection the data.

DATA ANALYSIS

Processing & Analysis the collected data: - once the field survey is over and questionnaire have been received, the n
task is to aggregate the data in a meaningful manner. A number of tables are prepared to bring out the m
characteristics of the data. The researcher should have a well thought out framework for processing and analyzing d
and this should be done prior to the collection. It includes the following activities—

(i) Editing: the first task in data processing is the editing. Editing is the process of examining errors and omissions in
collected data and making necessary corrections in the same.

(ii) Coding: coding is the procedure of classifying the answer to a question into meaningful categories. Coding
necessary to carry out the subsequent operations of tabulating and analyzing data. If coding is not done, it will not
possible to reduce a large number of heterogeneous responses into meaningful categories with the result that the analy
of data would be weak and ineffective, and without proper focus.

(iii)Tabulation: tabulation comprises sorting of the data into different categories and counting the number of cases t
belong to each category. The simplest way to tabulate is to count the number of responses to one question. This is a
called universal tabulation. The analysis based on just one variable is obviously meager. Where two or more variables
involved in tabulation, it is called bivariate or multivariate tabulation.
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The above pie chart shows the ratio of respondents taken in the survey.

The survey had 70% male and 30% female as respondents.

AGE GROUP
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The above bar graph shows the age group of the respondents taken in the survey.

Out of the total percent of females i.e., 30%, 47% females lies in the age groups of 20-30 yrs, 33% lies in 30-40 yrs, 2
and 0% in the age groups of 40-50 yrs and 50yrs-above respectively.

The male percent in the above bar graph is 23% in 20-30 age group; 40% in 30-40; 20% in 40-50; and 17% in 50-ab
age group.

MONTHLY INCOME
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The above multiple bar graph gives the information about the income of the respondents in a month.

Major portion of the respondents lies in the income slab of Rs.30,000-Rs.50,000 per month.

Out of the total 70% percent of males 5.7% are in the income slab of Rs.10,000-Rs.30,000 per month; 31.4% in the
income slab of Rs.30,000-Rs.50,000 per month; 20% and 42.8% in the income slab of Rs.50,000-Rs.70,000 per month
and Rs.70,000-above per month respectively.

The proportion of females in the above graph is 60% & 40% in the income slab of Rs.10,000-Rs.30,000& Rs.30,000-
Rs.50,000 per month respectively. While none of the female respondent belongs to the income slab of 50,000- 70,000
70,000 above.

OCCUPATION
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The above graph gives the information about the occupation of the respondents.

From the survey 5.7% of males and 13.3% of females were professionals; 37.14% of males and 46.66% of females w
from service class however 57.14% of males and 40% of females turned out to be businesspersons.
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The above pie chart shows the ratio of respondents having a bank account.

96% of the respondents from the survey had a saving bank account whereas 4% respondents did not had any type
bank account; they were mainly having a Post Office Account.
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The above graph gives the information about the private bank preferred by the respondents in the survey.

From the survey, 42% of respondents preferred to have a Saving Bank Account with HDFC Bank; 36% with ICICI B

and 22% preferred AXIS Bank.


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The above pie chart shows the reason for having a bank account in their preferred bank.

Most of the respondents i.e. 32% preferred bank that offers convenient & hassle free banking. 32% preferred bank t
provides better services. 18% considered widened network as an important factor while choosing a bank, while 1
choose bank that offers wide variety of products. The remaining 4% prioritized bank which have less formalities.
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A good proportion of respondents i.e. 64% rated the services of HDFC Bank above average. While a small proportion
6% of respondents were highly disappointed with the services of HDFC bank.

24% of the survey population were neither highly impressed with HDFC’s services nor were very annoyed. They rate
the services of HDFC Bank as average.

18% of the survey population were highly satisfied with HDFC Bank’s services.
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The above pie diagram shows the organizations with which the respondents are associated for their savings bank accou

From above 70% of the respondents prefer having account with public sector banks out of which Bank of Baroda ho
20% of respondents, PNB holds 1$%, SBI is with the maximum i.e. 36% of respondents.

However there are 30% of respondents who have association with private sector banks out of which 12% is for IC
Bank, 16% for HDFC Bank and 2% is with AXIS Bank.
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LIMITATIONS

Every work has its own limitation. Limitations are extent to which the process should not exceed. Limitations
this project are:-

• The project was constrained by time limit of 5 weeks. The time bound was a major constraint
Pagein the
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study

• Mindset of people may vary depending upon their age, gender, income etc.

• Getting appointment from the concern person was very difficult.

• People mind set about the survey was an obstacle in acquiring complete information & positive interaction.

• It was difficult to break the ice with the common people initially. It was a daunting task to convince them to

in the personal details of the questionnaire where they have to mention the monthly income, occupation etc.

• Respondents were very busy in their schedule. So it was very time consuming for them to answer all
questions properly.

• The research was conduct in Haldwani city only.


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Please tick þ your response wherever appropriate.

1. Name:_______________________________ Contact: __________________

2. Location: _______________________________________________________
3. Sex: Male Female

4. Age: 20-30 yrs. 30-40 yrs. 40-50 yrs. 50 yrs above


5. Income (Monthly):
10,000-30,000 30,000-50,000

50,000-70,000 70,000 and above


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6. Occupation:
Professional Businessman

Service Any other,

7. Do you have a bank account?


Yes No

8. With which bank do you prefer having your account?


HDFC ICICI AXIS BANK

9. Why do you prefer the bank chosen above?


Less formalities widened network

wide range of products Better services provided by your bank

Convenient & hasslefree Banking Other

10. With which organization you are associated with?


Public: SBI PNB Bank of Baroda

Private: HDFC ICICI AXIS BANK

11. How do you rate the services of HDFC Bank?


Poor: Satisfactory Good Excellent

THANKING YOU
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Manuals

• HDFC bank

• PNB Bank

• BANK of Baroda

Websites

• www.hdfcbank.com

• www.icicibank.com

• www.axisbank.com

• www.bankofbaroda.com

• www.statebankofindia.com

• www.pnbindia.com

• www.iloveindia.com

• www.rupeetimes.com
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ACKNOWLEDGMENT

The completion of a project is never a unilateral effort. Through this sentence I wish to make a modest effor
thank and express my gratitude to all those who extended their co-operation and assistance for this project.

I place my sincere gratitude to Ms. Nidhi Bhat for giving me the opportunity to do in-depth study about Asp
training program and also for her constant encouragement and personal involvement which far exceeded tha
mere guidance.

I would also like to thank to all the Recruiters and Trainer of Aegis Company for extending me the assistan
support, valuable advice and time.

The project would not have been possible without the constant guidance and support extended by my Proj
Mentor Dr.S.B.Sengupta.

Finally I thank all my friends who provided me with extremely important information regarding the literat
related to this project and also informed me about websites that would help me with relevant topics.

I once again express my heartfelt indebtedness to all aforesaid. Any omission or error in acknowledgemen
Inadervertant. For such oversights and lapses, I tender unconditional apology.

Meenakshi Shah
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PREFACE

Asia pacific institute of management has a compulsory summer internship project to be done during summer
vacations. The Summer Internship Project (SIP) carries 200 marks and has to be done in any Industry of Choice a
should be based on the Specialization Subject one is going to choose during his/her fourth semester. This is to giv
practical firsthand experience of observing the work while learning and taking knowledge under experienced
guides of the Industry he/she has done SIP with.

It was the above opportunity to do a Summer Project in a choice of Industry that motivated me to study and ma
this project explaining the findings and suggestions during the project work done in Aegis Aspire consultancy
service limited.

This project topic “Analyze and Measure the effectiveness of Aspire training program on its candidates” explai
& shows the entire process flow of Aegis Aspire 1 training program and critically analyze the effectiveness of th
program and suggests scope of improvement.

The information given in this project is collected through various Primary and Secondary Data Collection
methods like Personal Interviews of trainers of Aspire 1, Direct Observations and Questionnaires filled by
candidate of Aspire training program who have now been moved on the floor.

I would like to thank Industry Guides, Faculty Guide and all those seen and unseen hands and heads, which ha
been direct or indirect, help in the successful completion of the data collection and write-up of this project.
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