PREFACE

The BBA course of Bhavnagar University in Bhavnagar

includes major management subject like marketing, human resource and
finance. But I have a specialization in Human resource management.
Practical knowledge is an important aspect in management course.
There is a vast different in theoreritical and actual practical implications.
The practical training helps individual to know the actual uses and
implication of what one has gained from theoretical knowledge. In this
project I have to choose the survey method on the topic of a study of
value and attitude. I want to choose this type of topic only because of I
really like the scaling of I-q test and only by this topic I want to know the
employees mind set. That’s why choose the topic.

This report is reflecting what I understood during this training

program. I have prepared this report as the best of my knowledge and
ability.

1
 ACKNOWLEDGEMENT

We aware of the fact that one flower makes no garland so; project
works is not a result of any individual but many who contribute directly or
indirectly towards it. I could never complete this report so well without the
guidance of many people. It is great pleasure that I express my deep
gratitude thanks every one to help me in preparing report.

I would like to thanks Mr. Chetan Trivedi, the branch manager of

this HDFC Bhavnagar, without his permission I can’t get golden chance
for training in HDFC Bank. Also thanks to Mr. Himanshu Trivedi, the
deputy manager of branch, who guide me in each and every topic
related this report and also thanks to all the employees of HDFC Bank
who giving me wonderful support and there golden time for fill up my
long questionnaire. I would also thanks to Mr. Bhagyveer ranawant
(relationship manager of Ahmedabad HDFC branch) and Mr. Chirag
mashru for help me in Ahmedabad branch training.

I would like to thanks my principal and my project guide

Dr.Rachana Dhruva, to give a real meaning of training and project report.
She becomes a real sense of guide for my report. I also thanks to my
college to give me such a wonderful opportunity to preparing a report.

I also thanks to my family and my friends to help me in various

way for the completed report.

Mira Rawal

EXECUTIVE SUMMARY

2
 Banking sector is one of the important sectors for any country to
control and direct the economy. India has been contributed a lot for our
agriculture and industrial growth by the banking sector. RBI has the
central authority for controlling the banking service.

In the practical world and we can say the corporate world the
training is one part of personal development. And between these worlds I
have to choose the HDFC bank for training and preparing my project
report. I have survey method for this report and the topic is ‘A STUDY
OF WORK VALUE AND ATTITUDE’ from this topic I want to get the
information about the HDFC employees value and attitudes towards the
bank and also test the I-q of particular employee.

Here, this research was conducted at HDFC Bank in Bhavnagar

and Ahmedabad branches

3
 INDEX

NO. TITLE PAGE

INTRODUCTION OF TOPIC 5
1
INTRODUCTION OF INDUSTRY 7
2
COMPANY PROFILE 14
3
LITRATURE REVIEW 15
4
5.1 RESEARCH 22
5 METHODOLOGY
5.2 RESEARCH OBJECTIVE 24
5.3 RESEARCH DESIGN 25
5.4 RESEARCH INSTRUMENT 26
5.5 SAMPLING PLAN 27
5.6 LIMITATION OF STUDY 28
5.7 DATA ANALYSIS AND 29
INTERPRETATION
6 FINDINGS 59

7 SUGGESTIONS 62

8 CONCLUSION 64

9 BIBLIOGRAPHY 66

10 APPENDIX 68

INTRODUCTION OF TOPIC

4
 Research topic is A STUDY OF WORK VALUE AND ATTITUDE

[1] VALUES:

Values are important to the study of organizational

behavior because they lay foundation for the understanding of attitude
and motivation and they influence our perceptions. Individuals enter an
organization with preconceived noticed notions of what “ought” and what
“not ought” to be. Of course, these notions are not value free. On the
country, they contain interpretations of right and wrong. Value generally
influences attitudes and behavior.

[2] ATTITUDES:

Attitudes are evaluating statement either favorable or

unfavorable concerning objects, people or events. Attitudes reflect how
one feels about something or someone.

Viewing attitudes as made up of three components------are Cognitive,

affective and behavioral. – is helpful in understanding in their complexity
and the potential relationship between attitude and behavior. In the
organizational behavior studied only focus of the work related attitudes of
the employee. These work related attitude tap positive and negative
evaluation that employee hold about of their work environment. OB has
been concern with three attitudes-----Job satisfaction, Job involvement
and Organizational commitment

Job satisfaction refers to a collection of feelings that an individual holds

towards his or her job. A person of high level of job satisfaction holds

5
positive feelings about the job, while a person who is dissatisfied with his
or her job holds negative feelings about the job.

Job involvement measures the degree to which a person identifies

psychologically with his or her job and considers his or her perceived
performance level importance to self-worth. High level of job involvement
is positively related to organizational citizenship and job performance.

Organizational commitment which is defined as a state in which an

employee identifies with a particular organization and its goals, and
wishes to maintain membership in the organization.

Organizational commitment which is defined as a state in which an

employee identifies with a particular organization and its goals, and
wishes to maintain membership in the organization.

As the refer of the attitude and value of employees towards the company
I have getting much of knowledge about the mind set depends on the
psychological theories.

INTRODUCTION

6
• WHAT IS BANKING?

Banking is a business that provides financial services, usually for

profit. Traditional banking services include receiving deposits of
money, of lending money and processing transactions. Commercial
bank accepts deposits from customers and in turn makes loans based
on those deposits. Some banks issue banknotes as legal tender. Many
banks offer ancillary financial services to make additional profit; for
example: selling insurance products, investment products.

Banking, the business of providing financial services to consumer

and businesses. The basic services a bank provides are checking
accounts, which can be used like money to make payments and
purchase goods and services; saving accounts and time deposits that
can be used to save money for future use; loans that consumers and
businesses can use to purchase goods and services; and basic cash
management services such as check cashing and foreign currency
exchange. Four types of bank specialize on offering these basic
banking services: commercial banks, savings and loan associations,
savings banks and credit unions. A broader definition of a bank is any
financial institution that receives, collects, transfers, pays, exchanges,
lends, invests, or safeguards money for its customers. This broader
definition includes many other financial institutions that are not usually
thought of as banks but which nevertheless provide one or more of
these broadly defined banking services. These institutions include
finance companies, investment companies, investment banks,
insurance companies, and pension funds, security brokers and
dealers, mortgage companies, and real estate investment trusts.

• HISTORY OF HDFC

7
The Housing Development Finance Corporation Limited (HDFC)
was amongst the first to receive an 'in principle' approval from the
Reserve Bank of India (RBI) to set up a bank in the private sector, as
part of the RBI's liberalization of the Indian Banking Industry in 1994.
The bank was incorporated in August 1994 in the name of 'HDFC Bank
Limited', with its registered office in Mumbai, India. HDFC Bank
commenced operations as a Scheduled Commercial Bank in January
1995.

The authorized capital of HDFC Bank is Rs550 crore (Rs5.5 billion).

The paid-up capital is Rs424.6 crore (Rs.4.2 billion). The HDFC Group
holds 19.4% of the bank's equity and about 17.6% of the equity is held
by the ADS Depository (in respect of the bank's American Depository
Shares (ADS) Issue). Roughly 28% of the equity is held by Foreign
Institutional Investors (FIIs) and the bank has about 570,000
shareholders. The shares are listed on the Stock Exchange, Mumbai
and the National Stock Exchange. The bank's American Depository
Shares are listed on the New York Stock Exchange (NYSE) under the
symbol 'HDB'.

Mr. Jagdish Kapoor took over as the bank's Chairman in July 2001.
Prior to this, Mr. Kapoor was a Deputy Governor of the Reserve Bank
of India.

Managing Director, Mr. Aditya Puri, has been a professional banker

for over 25 years and before joining HDFC Bank in 1994 was heading
Citibank's operations in Malaysia.

8
The Bank's Board of Directors is composed of eminent individuals with
a wealth of experience in public policy, administration, industry and
commercial banking. Senior executives representing HDFC are also on
the Board.

Senior banking professionals with substantial experience

in India and abroad head various businesses and functions and report
to the Managing Director. Given the professional expertise of the
management team and the overall focus on recruiting and retaining the
best talent in the industry, the bank believes that its people are a
significant competitive strength.

• MAIN BRANCH

HDFC Bank is headquartered in Mumbai. The Bank at present has an

enviable network of over 1229 branches spread over 444 cities across
India. All branches are linked on an online real-time basis. Customers
in over 120 locations are also serviced through Telephone Banking.
The Bank's expansion plans take into account the need to have a
presence in all major industrial and commercial centers where its
corporate customers are located as well as the need to build a strong
retail customer base for both deposits and loan products. 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 a network of about over 2526 networked ATMs
across these cities. Moreover, HDFC Bank's ATM network can be
accessed by all domestic and international Visa/MasterCard, Visa

9
 Electron/Maestro, Plus/Cirrus and American Express Credit/Charge
cardholders.

• TECHNOLOGY

HDFC Bank operates in a highly automated environment in

terms of information technology and communication systems. All the
bank's branches have online connectivity, which enables the bank to
offer speedy funds transfer facilities to its customers. Multi-branch
access is also provided to retail customers through the branch network
and Automated Teller Machines (ATMs).

The Bank has made substantial efforts and investments in

acquiring the best technology available internationally, to build the
infrastructure for a world class bank. The Bank's business is supported
by scalable and robust systems which ensure that our clients always
get the finest services we offer.

The Bank has priorities its engagement in technology

and the internet as one of its key goals and has already made
significant progress in web-enabling its core businesses. In each of its
businesses, the Bank has succeeded in leveraging its market position,
expertise and technology to create a competitive advantage and build
market share.

10
• PLANING

HDFC Bank's mission is to be a World-Class Indian Bank. The

objective is to build sound customer franchises across distinct
businesses so as to be the preferred provider of banking services for
target retail and wholesale customer segments, and to achieve healthy
growth in profitability, consistent with the bank's risk appetite. The bank

Is committed to maintain the highest level of ethical standards,

professional integrity, corporate governance and regulatory
compliance. HDFC Bank's business philosophy is based on four core
values - Operational Excellence, Customer Focus, Product Leadership
and People.

• MISSION

Bank mission is to be "a World Class Indian Bank", benchmarking

ourselves against international standards and best practices in terms of
product offerings, technology, service levels, risk management and
audit & compliance. The objective is to build sound customer
franchises across distinct businesses so as to be a preferred provider
of banking services for target retail and wholesale customer segments,
and to achieve a healthy growth in profitability, consistent with the
Bank's risk appetite. We are committed to do this while ensuring the
highest levels of ethical standards, professional integrity, corporate
governance and regulatory compliance.

11
 • CAREER

HDFC Bank is a young and dynamic bank, with a youthful

and enthusiastic team determined to accomplish the vision of becoming
a world-class Indian bank.
Bank business philosophy is based on four core values - Customer
Focus, Operational Excellence, Product Leadership and People. We
believe that the ultimate identity and success of our bank will reside in
the exceptional quality of our people and their extraordinary efforts. For
this reason, we are committed to hiring, developing, motivating and
retaining the best people in the industry.

• ACHIEVEMENTS & AWARDS

HDFC Bank began operations in 1995 with a simple mission:

to be a "World-class Indian Bank". We realized that only a single-
minded focus on product quality and service excellence would help us
get there. Today, we are proud to say that we are well on our way
towards that goal.

12
 2008 AWARDS

Forbes Asia Fab 50 companies in Asia Pacific

Asian Banker Excellence Best Retail Bank 2008

in retail financial service

Asia money Best local Cash Management Bank

Microsoft & Indian Express Security Strategist Award 2008

Group

World Trade Center Award For outstanding contribution to

Of honors international trade service

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

group survey companies”

Financial Express-Ernst & Best Bank Award in the Private

Young award sector category

Business Today 'Best Bank' Award

13
 COMPANY PROFILE

NAME: HDFC PVT LTD.

ADDRESS: HDFC BANK LTD.

STERLING POINT,

WAGHAWADI ROAD,

BHAVNAGAR. 364 002

TEL. NO: 0278-2572173

FAX: 0278-2568325

E-MAIL: www.hdfcbank.com

SECTORE: BANKING SECTOR

OFFICE STAFF: 30

NAME OF THE BRANCH MANAGER: MR. CHETAN TRIVEDI

14
 LITRATURE REVIEW

(1) “A study of work value and attitude”

Topic: TAX RELATED ATTITUDES AND VALUES IN AUSTRALIA
Prepared by PhD candidates under the guidance of Mr. Chris Mobs
Published by authorized Department of Psychology, University of
Adelaide in 2000-01
Summary version was presented at the ATAX Conference, 2002.

Abstract:
This study was primarily designed to identify the attitudes (A) and
values (V) associated with taxpaying compliance. This was done by
investigating the relationships between survey responses and tax
return data and thereby to identify new compliance strategies based on
behavioral indicators according to seven specific categories of
taxpayer. The study also aimed to better understand taxpayer to allow
the development of strategies to improve compliance behavior. Other
questions were: to what extent do AV relate to taxpayer compliance;
are taxpayer attitudes different according to the category to which they
belong; which tax related issues and policy impact most on taxpayer
behaviors and compliance; and also how do current ATO client
relationships affect taxpayer compliance?
ATTITUDES (A) – personal opinion based judgments, evaluative such
as the tax system is fair, or the ATO is the most professional public
sector agency. For example, “I have found tax returns too difficult to
do”.
VALUES (V) – universal social nouns widely held such as Australians
do not “dob” on each other. For example, “In Australia we expect that
everyone will lodge their tax return on time”.

URL:http://www.austlii.edu.au/au/journals/JATax/2003/5.html

15
 (2) “A study of work value and attitude”
Topic: Research report food and the relation between values and
attitude characteristics: Eight contributions to social food studies in the
Low Countries……
Prepared by DREEZENS Ellen; MARTIJN Carolien;
Published by Elsevier, Amsterdam, PAYS-BAS (1980) (Revue)
Date: ---

Abstract:
This survey showed that the values power (dominance
over nature and resources) and universalisms (respect for people and
for nature) are related to attitudes toward genetically modified food
(GMF) and organically grown food (OGF). Furthermore, these values
have an influence on the centrality, commitment and ambivalence of
these altitudes. Values that are positively related to an attitude
influence how central this attitude is to a person. However, values that
are negatively related to an altitude have a larger effect on the
commitment of this attitude. No such pattern of effects was found for
the relationship between ambivalence and values. These data suggest
that centrally, commitment, and ambivalence are structurally different
constructs that have a distinct relationship with specific values.

http://cat.inist.fr/?aModele=afficheN&cpsidt=16955706

16
(3) “A study of work value and attitude”
Topic: brand attitude, value relevance, high-technology markets,
stock return
Prepared by: Vice Chairman, Prophet Brand Strategy, University of
California
Publication: ---
Date: ---

Abstract:
The author assess the extent to which brand attitude, a
key component of brand equity, has value relevance—that is, helps
predict future earnings and thus firm value—in high-technology
markets. Using data for firms in the computer industries, the authors
find that changes in brand attitude are associated contemporaneously
with stock return and lead accounting financial performance. The study
also provides insights into the drivers of brand attitude. The authors
find that both product attributes and peripheral cues shape brand
attitudes in high-technology markets.
http://www.atyponlink.com/AMA
/doi/abs/10.1509/jmkr.38.4.485

17
(4) “A study of work value and attitude”
Topic: Firm value and employee attitudes on workplace quality
Prepared by By Ballou, Brian
Publication: Accounting Horizons
Date: Monday, December 1 2003

Abstract:
This paper investigates the relation between the value
of a firm and employee attitudes on the firm's workplace quality--
workplace attitudes. Workplace attitude refers to recognition of those
organizational characteristics that enhance employee work
experiences and assist employees in balancing their jobs and personal
lives. Using inclusion on Fortune's annual list of "The 100 Best
Companies to Work for in America" as a proxy for successful efforts in
creating high workplace attitudes, we compare the market values of
listed firms to the market values of nonplused firms in the same
industry matched on earnings. After controlling for book value, past
operational performance, and research and development expense, we
find that market values of listed firms exceed those of matched firms.
We also provide evidence that firms ranked high on the Fortune list
receive higher market values than those ranked lower on the list.
Finally, the two-year forward market returns for listed firms exceed the
returns for the matched sample while the two-year prior returns are not
significantly different between the two groups. This result suggests that
market performance does not determine inclusion on the Fortune list.

http://www.allbusiness.com/professional-scientific/accounting-
tax/737916-1

18
(5) “A study of work value and attitude”
Topic: Survey of Attitudes and Values in Archaeological Practice
Prepared by: Julie Zimmer, Richard Wilk, and Anne Pyburn
Publication: ---
Date: ---

Abstract:

In general, stewardship is a strongly

embedded value among those who responded to this questionnaire.
Site protection measures and the need to address environmental
impacts of excavation were consistently rated as obligatory practices.
Most respondents also regarded public outreach for educational
purposes as recommended or obligatory, whether in the form of giving
tours, publishing in local media, or distributing teaching materials to
local institutions.

On the other hand, there was a clear divergence of opinions on other

aspects of community involvement in archaeology. The most
controversial issues include whether archaeologists should report
violations of permit or antiquities laws by local people, use formal
contracts when hiring local workers, give preference to local
archaeologists when hiring or seeking collaborators, consult with
groups that have a cultural affinity to a site, monitor the crews' sexual
behavior, or publish reports when local entities object to the contents.
Another controversial area concerns the relationships among
archaeologists, museums, and collectors. Many archaeologists felt
they should authenticate artifacts for reputable museums, but
disapproved of appraising artifacts for museums or purchasing artifacts
for any reason.

http://www.saa.org/Publications/SAAbulletin/13-5/SAA9.html

19
(6) “A study of work value and attitude
Topic: Teacher perceptions of physical education in the school
attitudes, values and curriculum preferences
Prepared by: Morgan, Philip
Publication: Physical Educator
Date: 01-JAN-08

Abstract:
The major aim of this study was to examine
the relationship between teachers' curriculum preferences in the
primary school and the relative value they place on PE compared to
other key learning areas (KLAs) of the primary curriculum. Data were
collected from 422 pre-service and 63 in-service classroom teachers.
Results suggested that most respondents considered PE to be a
relatively valuable KLA but indicated they would prefer to teach other
KLAs rather than PE. Insufficient time was the most commonly cited
impediment to the delivery of PE programs. Nearly all respondents
agreed that specialist teachers should be involved in the teaching of
PE in some capacity. Significant relationships were established
between a number of attitudinal variables relating to PE and interesting
findings emerged from post hoc analysis of group differences,
particularly regarding in-service teachers. Given that many teachers
would prefer not to teach PE, strategies must be devised to improve
training and support for teachers or the employment of specialist PE
teachers made a priority.

http://www.org.com/professional/primary/school/preferances7379

20
(7) “A study of work value and attitude
Topic: The Study and Measurement of Values and Attitudes
Prepared by: Kerlinger, Fred N.
Publication: ---
Date: 1972-04-00

Abstract:
The author defines values, attitudes, and
beliefs according to their relation to referents. A referent is a construct
standing for a set or category of social objects, ideas, or behaviors that
is the focus of an attitude. Attitudes and values are belief systems.
Beliefs are enduring cognitions about referents; beliefs reflect the value
and attitude systems to which they are related. An attitude is an
enduring emotional, motivational, perceptual and cognitive organization
of beliefs about referents, or sets of referents, that predispose
individuals to behave positively or negatively toward the referents. A
value is an organization of beliefs about abstract referents; values set
judgments of "goodness" or "badness" on the referents and imply
preferences for norms and standards of behavior. Referents are
differentially criteria to different sets of individuals, depending on their
personal orientations. While great progress has been made in the
measurement of attitudes, little apparent interest exists in the
measurement of values. The author sees the definition of values and
the distinction between attitudes and values as necessary for furthering
the progress of value research.

http://eric.ed.gov/ERICWebPortal/custom/portlets/recordDetails/de
tailmini.jsp?
_nfpb=true&_&ERICExtSearch_SearchValue_0=ED079618&ERICE
xtSearch_SearchType_0=no&accno=ED079618

21
 RESEARCH

METHDOLOGY

22
 RESEARCH METHODOLOGY

• WHAT IS RESEARCH?

Research is scientific or critical investigation

aimed at discovering and interpreting facts. Research may use the
scientific method, but need not do so.

• WHAT IS SCIENTIFIC RESEARCH?

Scientific research relies on the application

of the scientific method, a harnessing of curiosity. This research
provides scientific information and theories for the explanation of the
nature and the properties of the world around us. It makes practical
applications possible. Scientific research is funded by public
authorities, by charitable organizations and by private groups, including
many companies. Scientific research can be subdivided into different
classifications according to their academic and application disciplines.

• WHAT IS RESEARCH METHODOLOGY?

Research methodology is one kind of the

methods of research by which the researcher can easily search
findings and find analysis which he can do in research. Research
methodology is the process of research.

23
 RESEARCH OBJECTIVE

1. To know the attitudes of employees towards organization

2. To know the job involvement of employees
3. To know the relationship between employee and employer
4. To know the value of employee in organization
5. Is personality developed of employee in organization?---search on
this
6. To know employees are satisfied or not from wage rate.

24
 RESEARCH DESIGN

What is Research Design?

Research design can be thought of as the structure of research -- it is

the "glue" that holds all of the elements in a research project together. “A
research design is the arrangement of conditions for collection and
analysis of data in a manner that aims to combined relevance to the
research purpose with economy in procedure.”

Generally there are mainly three types of research design:

1. Exploratory research studies
• The survey of concerning literature
In this research study select a survey
exploratory research, in this report survey conducted in
HDFC Bhavnagar branch and Ahmedabad branch.
• The experience survey
2. Descriptive & diagnostic research studies
3. casual/ Hypothesis – testing research studies

In this research study use only survey method and the

instrument is questionnaire.

25
 RESEARCH INSTRUMENT

(1) Primary research: involves the collection of data that does not
already exist. This can be through numerous forms, including
questionnaires and telephone interviews amongst others. This
information may be used in such things as questionnaires, magazines,
and Interviews

(2) Secondary research: involves the summary, collation and/or

synthesis of existing research rather than primary research, where data
is collected from, for example, research subjects or experiments.

Any research study can not be made without the collection of

data. So, there in this study the research instrument is questionnaires.

26
 SAMPLING PLAN

We field studies are undertaking in practical life,

consideration of time and cost almost in variably lead to a selection of
only a few items is called as sample.

The sampling plan or design can be divided into certain

steps. Which are as follows……

 Sample unit: This research study is made on compression

of employee work value and attitude at HDFC bank in
Bhavnagar and Ahmedabad.
 Sample size: For this research study the sample size is 40
employee of Bhavnagar branch and 40 employee of
Ahmedabad branch. Thus total 80 employees of HDFC bank
takes and survey on them.
 Sampling methodology : cluster randomly selection

In this research study use only survey method and the

instrument is questionnaire. In research questionnaire there are mainly
two types of questions.
(1) Close ended & multiple questions: 30 question
(2) Open ended: 2 question

27
 LIMITATIONS OF THE STUDY

1. The main short coming of the project was that the generalization
has been made based on a restricted sample of one bank only.
2. Still there is manual work is going on and employee are over
burden with work and do not have time for the updating of the
system.
3. This topic is only based upon the I-Q test, some of the result which
may not able to find by survey, because every mind set is different
so, find perfect ratio is very difficult.
4. Due to training some of the employees are so busy with there work
so, I don’t have attaché every employees of Bhavnagar or
Ahmedabad branch only samples are taken.
5. During survey process some of the employee getting fear to giving
such questions of answers, that’s way the result may be not perfect.

DATA ANALYSIS AND INTERPRETATION

28
 QUESTIONS

I am very interested in what others think about this

organization……….

analysis

90
80
70
60
per(%)

50 BHAVNAGAR
40 AHEMADABAD
30
20
10
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION
In this chart the percentage of AHMEDABAD is more than
the BHAVNAGAR in agrees with the question of above. It means
the 82.35% of employees in AHMEDABAD branch of HDFC are
interested in what other thinks about HDFC more than Bhavnagar
employee’s.

29
 2

When someone criticizes this organization, it feels like a

personal
Insult…………

analysis

60

50

40
per(%)

BHAVNAGAR
30
AHEM ADABAD
20

10

0
I DISAGREE
I AGREE

STRONGLY

STRONGLY
DISAGREE

I AM NOT
AGREE

SURE
I

1 2 3 4 5

option

INTERPRETATION
Similarly in this chart minor difference between the gap of
BHAVNAGAR locality thinking in HDFC and AHMEDABAD locality
thinking for there organization. Majority of HDFC employee keep
there organization like there home.

30
 3

This organization’s success is my successes….

analysis

70

60
50
per(%)

40 BHAVNAGAR
30 AHEMADABAD

20

10

0
STRONGLY

I DISAGREE

STRONGLY
I AGREE

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

The HDFC bank employees agree with the question

of organization success is also employee’s success. But, the ratio of
Bhavnagar and Ahmedabad ratio is different. In this the Ahmedabad
percentage of strongly agree is 59.71% more than the Bhavnagar
which is 55.33%

31
 4
When someone praises this organization, it feels like a
personal Compliment………

analysis

90
80
70
60
per(%)

50 BHAVNAGAR
40 AHEMADABAD
30
20
10
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this chart the percentage of Ahmedabad is again

more than Bhavnagar and it is 77.61% and from Bhavnagar 44.33%
equally in agrees and strongly agrees in above question. It means
that bank’s employees take his organization like family.

32
 5

To me, my job is only a small part of who I am……..

analysis

45
40
35
30
per(%)

25 BHAVNAGAR
20 AHEM ADABAD
15
10
5
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this the question is based on job involving and this time

the ratio of Bhavnagar employees with agree is more than
Ahmedabad. And the ratio of strongly agree is 43.65% of
Ahmedabad more than Bhavnagar. While 35.95% employees are
disagree with this question.

33
I am very much involved personally in my job……….

analysis

70

60
50

per(%) 40 BHAVNAGAR
30 AHEM ADABAD

20
10

0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

I
1 2 3 4 5
option

INTERPRETATION

This question also on the basis of job

involvement. In this 57.57% of Bhavnagar branch employees are
agree and 39.39% employees same branch in strongly agree and in
Ahmedabad branches 47.06%of agree and 52.94% in strongly agree.
Thus the banking sector employees are very involved in there work
50% from interest and 50% employees by pressure only.

34
Most of my interests are centered on my job………..

analysis

70

60
50

per(%) 40 BHAVNAGAR
30 AHEM ADABAD

20
10

0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

I
1 2 3 4 5
option

INTERPRETATION

In this chart we can see that 60.615 of

employees in Bhavnagar branch says that they are working there
interesting areas and 47.06% of employees Ahmedabad branch say
same thing. But the reason is why they are agree because only by
pressure. One thing which can do again and again that times you
liked and the daily routine is become your interesting thing.

35
I like to be absorbed in my job most of the time……….

analysis

50
45
40
35
per(%) 30
BHAVNAGAR
25
AHEM ADABAD
20
15
10
5
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

I
1 2 3 4 5
option

INTERPRETATION

In this chart we can see that 45.45% of

employee in Bhavnagar branch can say that they are absorbed there
work most of times and 41.18% of Ahmedabad can say same thing but
29.41% of employees are disagree with this question.

36
 My employee productivity is very low than others……

analysis

50
45
40
35
30
per(%)

BHAVNAGAR
25
AHEM ADABAD
20
15
10
5
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this chart the employees are disagree with the above

question.obiviously, the employees are very hard working so no
chance with the lower productivity.45.45% of Bhavnagar employee
are disagree and 29.41% of Ahmedabad employee are same with
them. While the employer gives overloading on the employee so the
employees productivity is not low.

10

37
I help colleagues who have been absent from work…….

analysis

60

50

40
per(%)

BHAVNAGAR
30
AHEM ADABAD
20

10

0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this question 54.55% of Bhavnagar employee says

they are help their colleagues who is absent and 35.29% of
Ahmedabad employee says same thing.

11

38
 I help colleagues who have heavy workload.......

analysis

90
80
70
60
per(%) 50 BHAVNAGAR
40 AHEM ADABAD
30
20
10
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

I
1 2 3 4 5
option

INTERPRETATION

60.61% of Bhavnagar and 41.18% of Ahmedabad

bank employee agree with they are help who have so much loading.
And 82.35% of Ahmedabad and 24.24% of Bhavnagar are strongly
agreed with this question.

12

39
 I help new employee in my organization....

analysis

70

60
50

per(%) 40 BHAVNAGAR
30 AHEM ADABAD

20
10

0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

I
1 2 3 4 5
option

INTERPRETATION

In this chart 63.64% of Bhavnagar

employee helps new candidate in the organization and 47.06 of
Ahmedabad employee also helps new candidates while 47.06% of
strongly agree with this question of Ahmedabad employee and
27.275 of Bhavnagar.

13

40
I often complain about insignificant things at work…….

analysis

50
45
40
35
30
per(%)

BHAVNAGAR
25
AHEM ADABAD
20
15
10
5
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

45.45% of Bhavnagar employee

and 41.18% of Ahmedabad employee agree with this question and
15.15% of Bhavnagar and 23.53% of Ahmedabad employee disagree
with this. Thus some time employee can’t notice insignificant things
which carried in the organization.

41
 14

I am mindful of how my behavior affects other people’s job…….

analysis

60

50

40
per(%)

BHAVNAGAR
30
AHEM ADABAD
20

10

0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this chart we can see that

42.42% of Bhavnagar and 52.94% of Ahmedabad employees knows
that their behavior effect other or organization work. So Ahmedabad
people knows that how behavior they actual create in the bank of
HDFC more than Bhavnagar.

15

42
 My job is secure in this organization….

analysis

45
40
35
30
per(%)

25 BHAVNAGAR
20 AHEMADABAD
15
10
5
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this question 39.39% of Bhavnagar and

23.53% of Ahmedabad employee agree, 35.29% of Ahmedabad
employee strongly agree with their job is not secure. But 30.30% of
Bhavnagar and 19.765 of Ahmedabad employee disagree with same.

16

43
I am satisfied with the rules which made by this organization…….

analysis

70

60
50
per(%)

40 BHAVNAGAR
30 AHEM ADABAD

20
10

0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this chart we can see that

54.54% of Bhavnagar employee and 58.82% of Ahmedabad
employee agree and satisfied with the rules and regulation of HDFC
while, 18.18% of Bhavnagar employee disagree with same. So, the
structure of HDFC bank is better than other private bank.

17

44
 Organization hears my problems regarding work…….

analysis

50
45
40
35
30
per(%)

BHAVNAGAR
25
AHEM ADABAD
20
15
10
5
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this question 45.45% Bhavnagar

employee says that organization hears their problem regarding work
and 29.41% of Ahmedabad employee says same thing. While
18.18% of Bhavnagar and 23.535 of Ahmedabad employee disagree
with this question. Thus Bhavnagar branch hear problems related
employees work better than Ahmedabad

45
 18

I have performed duties that are not required but which improve
my corporate image……..

analysis

60

50

40
per(%)

BHAVNAGAR
30
AHEM ADABAD
20

10

0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this chart we can see that 48.48%

of Bhavnagar employee and 52.945 of Ahmedabad employee agree
with this question. So, they are doing work which is not under their
therefore they do it only because of they try to improve their
corporate image. And 42.42% of Bhavnagar and 17.65% of
Ahmedabad employee are strongly agreed with same question.

46
 19

I have got benefit after join this organization….

analysis

70

60
50
per(%)

40 BHAVNAGAR
30 AHEM ADABAD

20

10

0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this question 63.64% of Bhavnagar

and 17.65% of Ahmedabad employee strongly agree and 30.30%
of Bhavnagar and 64.71% of Ahmedabad employees are agree
with that after joining the HDFC the have got benefit.

47
 20

I know that what my responsibility for this organization……is.

analysis

70

60
50
per(%)

40 BHAVNAGAR
30 AHEM ADABAD

20
10

0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

57.58% of Bhavnagar and 52.94% of

Ahmedabad employees are agree with they are knows what is their
responsibilities for organization and 39.39% of Bhavnagar and
41.18% of Ahmedabad employees are strongly agree with same
question.

48
 21

My wage rate is less than other firms…….

analysis

45
40
35
30
per(%)

25 BHAVNAGAR
20 AHEM ADABAD
15
10
5
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

12.12% of employees are agree and

33.33% of employees are strongly agree of Bhavnagar branch only
while 41.18% of employees are agree and 5.33% are employees
strongly agree of Ahmedabad branch with question of wage rate is
less than other firm. Similarly HDFC wage rate is more than other
firm but in higher post employees its low than other banks.

49
 22

I am thinking that my career will bright in this organization more than

other……

analysis

50
45
40
35
30
per(%)

BHAVNAGAR
25
AHEM ADABAD
20
15
10
5
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this question 33.33% of agree and 45.45% of

strongly agree of Bhavnagar branch employees. While 29.415 of
agree and 41.18% of strongly agree if Ahmedabad employee. Thus
there is many scope of future from the HDFC bank

50
 23

I know, my job is so stressful…..

analysis

50
45
40
35
30
per(%)

BHAVNAGAR
25
AHEM ADABAD
20
15
10
5
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this chart we can see that 36.36% agree

and 36.36% of employee are strongly agree of Bhavnagar branch
only while 47.06% of agree and 5.33% of employees are strongly
agree in Ahmedabad branch. Thus overloading on the employees in
the private sector is favorable but it is not good for the employee’s
health. So, in Bhavnagar branch employees having much stress
more than Ahmedabad branch employees.

51
 24

I have got reward for my better performance from

organization……

analysis

45
40
35
30
per(%)

25 BHAVNAGAR
20 AHEM ADABAD
15
10
5
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this question 39.39% of agree

and 30.30% are strongly agree with they got reward from better
performance while 35.29% of agree and 35.29% of strongly agree
with same question. Thus HDFC bank has to employee motivation
plans to improving employee development.

52
 25

My absenteeism from work more than others...

analysis

60

50

40
per(%)

BHAVNAGAR
30
AHEM ADABAD
20

10

0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this chart 48.48% are disagree in

Bhavnagar branch and 11.76% of Ahmedabad while 47.06% of
Ahmedabad employees are strongly disagree with this question.
Thus employees are regular in work.

53
 26
My organization worried about employee’s health…………

analysis

50
45
40
35
30
per(%)

BHAVNAGAR
25
AHEM ADABAD
20
15
10
5
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this chart 18.18% of agree and 18.18% of

strongly agree of Bhavnagar branch employee while 35.29% of agree
and 11.76% of employee are strongly agree with this question. But
45.45% of Bhavnagar employee is disagrees and only 23.53% of
Ahmedabad employee is same thing. Thus Ahmedabad branch are
worried about employee’s health more than Bhavnagar branch.

54
 27

In organization count my opinions or suggestion….

analysis

60

50

40
per(%)

BHAVNAGAR
30
AHEM ADABAD
20

10

0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this chart we can see that

54.54% of Bhavnagar employee says organization get response
about employee’s opinions and suggestions and 29.41% of
Ahmedabad employees says same thing. While, 18.18% in
Bhavnagar and 17.65% in Ahmedabad are disagree with this
question.

55
 28
I am jealous if, my Boss appreciates my colleagues
more than me……….

analysis

45
40
35
30
per(%)

25 BHAVNAGAR
20 AHEM ADABAD
15
10
5
0
STRONGLY
I AGREE

I DISAGREE

STRONGLY

I AM NOT
DISAGREE

SURE
AGREE
I

1 2 3 4 5
option

INTERPRETATION

In this question 24.24% of Bhavnagar

and 11.76% Ahmedabad employee are agree while 42.42% of
Bhavnagar and 41.18% Ahmedabad employee are disagree in this
question. So in between the employee joules is common factor in
HDFC bank.

56
 29

In which base organization gives promotion?

analysis

90
80
70
60
per(%)

50 BHAVNAGAR
40 AHEMADABAD
30
20
10
0
RELATIONSHIP
EXPERIENCE

PERFORMANCE

1 2 3
option

INTERPRETATION

In this chart we can see that the ratio of

performance base promotion in Bhavnagar and Ahmedabad is high
than the relation and experience base gives promotion in HDFC
bank. So in the professional sector performance is primary based to
judge employee’s efficiency

57
 30

Which one option for you?

(A) You as an employee important for organization

(B) Organization important for you

analysis

80

70

60

50
per(%)

BHAVNAGAR
40
AHEM ADABAD
30

20

10

0
A B
option

INTERPRETATION

In this chart 69.69% of Bhavnagar and

70.58% of Ahmedabad employees for important only that they are
the employee of this bank. It is appreciate for bank that their
employees get their important more than other.

58
FINDINGS

59
 FINDINGS

 Bank’s employees are very conscious about organization reputation

in market. Employee stay with organization as there own family and
they are very much involved in their work.
 Every employee is hard working and if any employee is lazy in
between than organization gives him pressure while the employee
have to do work at a time.
 Every employee of HDFC is very supportable with their colleagues
and customers also.
 Employees are very helpful to other and they know by which
behavior they stay in bank. After all, the private sector don’t gives
security from there job.
 Every employee knows that their job is not secure but then also they
have to do work sincerely.
 Some employees are not satisfied with organizations rules and
regulations.
 Organization can’t worry about employee’s problems. While
organization should be hear employee’s problems regarding their
work.
 Every employees of HDFC try to improving their image of corporate
world.
 One fact is employee get benefit from bank and their career will be
bright because of this bank.
 Employees get more stress from organization. Organization should
be tried to give less loading of work and try to improving employee’s
personal development.
 Organization should be concentrate on employee’s health. Gives
some times free to get them enjoy and party arrangements.

60
 In Bank competitive enviourment is more then the supportable. So,
every employee can joules with others performance. Thus the real
corporate and practical business culture is there.
 HDFC is much costly than other private bank so, try to give more
interest rate. But also one fact is acceptable that bank is much
speedy than other bank.
 The wage rate is more than other firm. So, Bhavnagar rural
employees of bank are satisfied with the wage rate but in city like
Ahmedabad employee get dissatisfaction from their wage rate.

61
SUGGESTIONS

62
 SUGGESTIONS

Following are some of the suggestions from bank’s employee

him self for some changes in organization.

 Try to secure employees job by their performance.

 organization can think about what image going on in there
customers mind for the bank
 HDFC needs more competitive in financial products
 try to focus on employees inner growth with satisfaction
 Try to more appreciate employee from there performance, give them
reward.
 some times in a bank so much of public is there for retailing so that
time much of rush generated so, cash counters can increase for
better facility provides to customers and some free time takes
employee also.
 develop more ATM in rural area for more transactions
 Increase more development plans for employee to improving better
performance.
 decrease stressful enviourment in bank
 Don’t put much pressure on employee; try to decrease
Workload from employee. From this they can satisfy from their work.

63
CONCLUSION

64
 CONCLUSION

This training report done by me in HDFC Bank in

Bhavnagar and Ahmedabad branches, totally on retail banking so
through this report I can get knowledge so many related bank
transactions. Thus at last there so many facilities for customers to get
so many benefits from bank.

HDFC bank is very high reputed in market. The bank

provides new product and schemes for customers, very good relations
with their customer and employees also but, less care of their
employee. Bank should be worried for employee’s health and try to
develop employee’s personality. Bank all ready has nice enviourment,
good culture and provides better facility to their employee but they
should be focus on employees inner growth.

Thus, HDFC bank in Bhavnagar and Ahmedabad

also provides better service and good facility to customer and
employee more than other private bank.

65
BIBLIOGRAPHY

66
 BIBLIOGRAPHY

 Book of ‘organizational behavior’

Author: Robbins Sanghi, pp: 64
1) value: 66 pp
2) Attitudes: 74 pp

 http://www.hdfcbank.com/aboutus/general/default.htm

 http://www.hdfcbank.com/aboutus/awards/default.htm

 http://www.google.co.in/search?
source=ig&hl=en&rlz=1G1GGLQ_ENIN296&q=general+
information+or+profile+about+bhavnagar+hdfc+branch&
btnG=Google+Search&meta=

 http://www.austlii.edu.au/au/journals/JATax/2003/5.html

 attitudes and values formed the basis of ATO’s

research.( Austria taxation research)
ajwe@unimelb.edu.au.

67
APPENDIX

68
 STUDY OF WORK VALUE & ATTITUDE

QUESTIONAIRE

NAME: _______________________________

AGE: ______ GENDER: ___________

E-MAIL ADDRESS: ________________________

BRANCH: ______________

NO. OF MONTH/YEARS SERVED IN HDFC: __________

OFFICIAL POST IN HDFC BRANCH: _______________

IMPORTANT NOTE: Please reflect your view by fill up the answers by

following options.

1. I AGREE
2. I STRONGLY AGREE
3. I DISAGREE
4. I STRONGLY DISAGREE
5. I AM NOT SURE

NO QUESTIONS 1 2 3 4 5

69
1. I am very interested in what others think
about this organization……….
2. When someone criticizes this organization,
it feels like a personal insult…………
3. This organization’s success is my
successes…..
4. When someone praises this organization, it
feels like a personal compliment………
5. To me, my job is only a small part of who I
am……..
6. I am very much involved personally in my
job……….
7. Most of my interests are centered on my
job………..
8. I like to be absorbed in my job most of the
time……….
9. My employee productivity is very low than
others……
10. I help colleagues who have been absent
from work…….
11. I help colleagues who have heavy
workload.......
12. I help new employee in my
organization....
13. I often complain about insignificant things
at work…….
14. I am mindful of how my behavior affects
other people’s job…….
15 My job is secure in this organization….
16 I am satisfied with the rules which made by
this organization…….
17 Organization hear my problems regarding
work…….
18 I have performed duties that are not
required but which improve my corporate
image……..

70
19 I have got benefit after join this
organization….
20 I know that what my responsibility for this
organization……is.
21 My wage rate is less than other firms…….

22 I am thinking that my career will bright in

this organization more than other……
23 I know, my job is so stressful…..
24 I have got reward for my better
performance from organization…………..
25 My absenteeism from work more than
others...
26 My organization worried about employee’s
health…………
27 In organization count my opinions or
suggestion….
28 I am jealous if, my Boss appreciates my
colleagues more than me……….

29. In which base organization gives promotion?

(A) Experience (B) Performance

(C) Relationship

30. Which one option for you?

(A) You as an employee important for organization

(B) Organization important for you

31. One suggestion for your organization.

________________________________________

71
 ________________________________________

32. One positive and one negative point about your organization.

________________________________________

________________________________________

THANK YOU FOR YOUR SUPPORT

72