Consumer perception on

KCC Bank

Guided By:
Monika Sharma
(Astt. Prof)

Presented By:
Anvi Sharma
13MBA1027

Company Background

The Kangra central Cooperative Bank Ltd. started in a very humble way as
a small credit society in March 1960 .

In June 1995 it was granted a license to carry out the banking business by
the Reserve Bank of India.

KCC Bank Ltd. is a co- operative bank and its main emphasis is on
agricultural co-operative societies.

KCCB Dharamshala was registered on 18-03-1920. It was established to

facilitates the operations of the primary co-operative societies, affiliated
with it by raising resources and acting as a balancing centre.

Company profile
Leading co-operative bank in North- INDIA.
Head office situated in Dharmshala.
Name
Mr. Jadish Sepahia
Mr. Karan Singh Pathania
Mr. C. paulrasu

Designation
Chairman
Vice- Chairman
Managing Director

Bank has tie- ups with Axis, HDFC and ICICI Bank and also
with Maruti Udyog Ltd.

Project Description

The main purpose of this project work is to analyze the customer

relationship management services provided by the KCC bank and to check
the level of satisfaction, towards this service, among the customers

A questionnaire was chosen as a data gathering tool because given the

time and cost restraints, this proved to be the most effective method. Each
of us verbally administered the questionnaire to the customers and
recorded the responses.

OBJECTIVES

To study the customers perception about KCC Bank.

To measure the awareness level of people regarding direct
banking channels, products offered by KCC bank.
To study brand image of the bank.
To find the different way of convincing customers.
To determine the need and purpose of a personal banker

RESEARCH METHODOLOGY
SECONDARY DATA: It was collected from internal sources. The secondary data was collected on the basis of
organizational file, official records, news papers, magazines, management books, preserved information in the
companys database and website of the company.
PRIMARY DATA: All the people from different profession were personally visited and interviewed. They were the
main source of Primary data. The method of collection of primary data was direct personal interview through a
structured questionnaire.
SAMPLING PLAN: Since it is not possible to study whole universe, it becomes necessary to take sample from the
universe to know about its characteristics.
Sampling Units: Different professionals. Chartered Accountants, Tax Consultants, Lawyers, Business Man,
Professionals and Students of Kangra.
Sample Technique: Random Sampling.
Research Instrument: Structured Questionnaire.
Contact Method: Personal Interview.
SAMPLE SIZE: My sample size for this project was 50 respondents. Since it was not possible to cover the whole
universe in the available time period, it was necessary for me to take a sample size of 50 respondents.

Data analysis and interpretation

Q1. From which bank you are having your bank account?
Category

No. of Respondents

Percentage

KCC Bank

17

34

Others

33

66

Q2. Why you want to open an account in bank ?

Category

No. of Respondents Percentage

Efficient service
Convenient location
Acquaintance

24
14
8
4

Others

48
28
16
8

Q3. Do you want to open an account with KCC bank?

Category

No. of Respondents

Percentage

Yes

12

24

No

21

42

No Idea

17

34

Q4. What is your perception about different products/services provided by KCC bank?
Category

No. of

Percentage

Respondents
Lucrative

24

48

Not Lucrative

21

42

No Idea

10

Q5. Are you aware that the KCC bank provides you free phone banking & net banking services.

Category

No. of Respondents

Percentage

Yes

32

64

No

18

36

Q6. Do you think that KCC bank provides innovative products and superior services?

RESPONSE

NO. OF

%AGE

RESPONDENTS
A. Strongly agree

18

36%

B. Agree

15

30%

C. Strongly

10

20%

D. Disagree

14%

TOTAL

50

100 %

disagree

Q7. If you get opportunity in future would you like to be attached with KCC bank ?
Category

No. of Respondents

Percentage

Definitely

20

40

Probably

15

30

Probably not

10

20

Not sure

10

Findings
1. KCC bank should improve their promotional area through different media like T.V, Radio, Print
media etc.
2. Maximum of the customers are dissatisfied with the behavior of employees. From my findings I
found that this behavior of employees is due to the daily routine workload from which they got
stressed.
3. With the changing trend people becoming financial literate by which the demand for banking
sector is increasing.
4. It is found that people have more faith in public sector bank then private bank.
5. People are not much aware about the various products of the bank.
6. Customers choose KCC Bank because of simple procedure and the low interest rates.
7. Most of the customers were satisfied with the overall services of the bank and todays scenario
they recommend to choose KCC Bank.
8. Bank has to employ more employees to get reduce their workload among them.
9. Company should open more branches in different cities.

Recommendation to the company

Finally some recommendations for the company are as follows:

To make people aware about the benefit of becoming a customer of KCC Bank,
following activities of advertisement should be done through

1. Print Media.
2. Hoarding & Banners.
3. Stalls in Trade Fares 4. Distribution of leaflets containing details information.

Other facilities must be provided to the customer:

The bank should provide life time valid ATM card to all its customers.

Make people understand about the various benefits of its products.

Company should organize the program in the society, so that people will be aware
about the company and different products of the bank.
Company should open more branches in different cities.

Learning from the project

This project work helped me to apply theoretical knowledge into practical aspects on
collected data.
I realized how teamwork, goal orientation and managing interpersonal relationships
are integral part of professional life.
The process of bank related transaction, bank related various terms, work
environment of KCC Bank.
Different techniques of dealing with the customers.
How to deal and communicate with those customers who are from rural areas.

Conclusion
Through this project, it could be concluded that people are not much aware
about the various products of the bank and many of them not interested to
open an account, to invest money at all. Professionals and businessman are
more attracted towards the products and services provided by the KCC bank
as compare to people in services and students. Services was considered as
unsought good which require hard core selling, but in changing trend in
income and people becoming financially literate, the demand for banking
sector is increasing day by day.