RESEARCH PROJECT REPORT

ON

(Comparative Analysis of Products and

Services of SBI and Axis Bank)
SUBMITTED TO

IN PARTIAL FULFILLMENT OF THE REQUIREMENT

FOR THE AWARD OF THE DEGREE OF

“BACHELOR OF COMMERCE (HONOURS)”

Batch 2019-22
Session 2021-22

Submitted by: Supervised by:

Priya Tiwari Dr. Priyank Gupta
B. Com. (H) V Semester Asst. Professor -Dept. Of Mgmt.
Roll No. 194500064 GLA University, Mathura
 CERTIFICATE

This is to certify that the research project report entitled “Comparative Analysis of

Products and Services of SBI and Axis Bank.”, is submitted by Mr./MS PRIYA

TIWARI student of B. Com. (H) V Semester of “Institute of Business Management”,

GLA University, Mathura, under my supervision for the partial fulfillment for the

award of the degree of Bachelor of Commerce (Honors), Session 2020-21, Batch

2019-22.

Place: Mathura

Date: ……………………

(………..…………)
Name & Signature of Supervisor
 DECLARATION

I Priya Tiwari , student of B. Com. (H) (V Semester) Session 2020-21, Batch 2018-

21 hereby declare that my work entitled “Comparative Study of Customer Satisfaction

of HDFC and ICICI Bank”, is the outcome of genuine efforts done by me under the

able guidance of Dr. Priyank Gupta and being submitted to “Institute of Business

Management”, GLA University, Mathura as research project report in partial

fulfilment for the award of the degree of Bachelor of Commerce (Honours) {B. Com.

(H)}.

Place: Mathura
Date:

Name: Priya Tiwari

Course: B.Com. (H) (V Semester)
University Roll No 194500064
 ACKNOWLEDGEMENT
(Sample Format, for the purpose of giving an idea as how to prepare an
acknowledgement)

Firstly, I would like to express my sincere gratitude to Prof. A. M Agarwal – Pro Vice-
Chancellor and Director - IBM without whose blessings my summer training project work
would not be completed.

I also want to thank our HOD - Prof. Somesh Dhamija for providing me encouragement,
motivation and moral support throughout the project work.

In addition to this I would also like to thank Dr. Priyank Gupta, Assistant Professor IBM
who supervised my project. Under his unrelated support and guidance, my project has taken
this shape.

I am equally indebted to my family and friends who always inspired and motivated me to do
something better throughout this project.

At last, I would like to extend my sincere thanks to all the respondents to whom I visited for
giving their support and valuable information, which helps me in completing my project
work.

Priya Tiwari
Course – B. Com. (H) V Sem.
University Roll No. 194500064
 EXECUTIVE SUMMARY

The project is on “Comparative Analysis of Products and Services of

SBI and AXIS bank”. Project starts with the introduction. It includes
various topics:
• Profile of SBI and AXIS bank: It covers the introduction of
company, joint venture, companies' development and values.
Competitors of SBI: Technical comparison of Star bus with
competitors, competitive sales reports,
Market share: It is the analysis of domestic and global market share
and position of SBI.
Analysis of customer's need: Analysis of primary, secondary needs
and the peripheral needs of customers.
•SWOT Analysis: SWOT analysis explains the strength, weakness,
threats, and opportunity available to the company. It is based on the
study of market and competitors of SBI.
 TABLE OF CONTENTS

S.NO CONTENT

1.0 Introduction to industry

2.0 Introduction to topic

3.0 Research Methodology

4.0 Data Analysis and Interpret.

5.0 Finding, Conclusion

6.0 Questionnaire
 Chapter 1
Introduction to Industry
Introduction to Banking
Bank is defined in many ways by various authors in the book
son of economics and commerce. It is very difficult to define a
bank, because a bank performs multiple functions may be
defined in many ways according to their functions. The
evolution of different types of banks, each specializing in a
particular field, gives emphasis on each and every kind of
bank. A general and comprehensive definition to cover all
types of banking institutions would be unscientific and
probably impossible. Each type of banks should have its own
definition, explaining its specialized functions. Legislators
have understood this difficulty and that is why the bill of
exchange Act 1882(England) defines…..
“A bank includes a body of persons, whether in corporate or
not, who carry on the business of banking”.
From this definition it is clear to us that any institution, which
performs the various banking functions, may be termed as
bank. But in practice it is found that many banking functions
vary from time to time and country to country. It is not
possible on the part of single bank to perform all the banking
functions at a time. So there originated number of specialized
banks with the objective of performing one or more functions.
As for example, Central bank, Commercial bank, Industrial
bank, Agriculture bank, Co-operative bank etc., are seen in
the practical field.
Dr. Herbert L. Hart has defined a banker as:
“A banker is one who is the ordinary course of business
honours cheques drawn upon him by persons for whom he
receives money on current account”
According to Sir John Paget:
“No one and nobody corporate and otherwise can be a
banker who does not (a) Take deposit accounts
(b) Take current accounts
© Issue and pay cheque drawn upon him
(d) Collect cheque crossed and uncrossed for his customers”.
Hilton banking commission defines banks or banker as:
“Every person, firm, or company using in the description or its
title, bank or banker or banking and accepting deposits of
money subject to withdrawal by cheque, draft or order”.
It can be shorten by:
Bank is an institution, which deals in money and credit”.
According to this precise definition a bank accepts deposits
from public and makes advances and loans of them. In
practice bank receive deposits of money in savings and
current accounts a lower rate of interest or profits are given
on credit to needy person and businessman at higher rate of
interest or profit. It also transfers money for the clients from
one city or country to another and also performs various
other agency services for earnings.
History of Banking In India
The first bank in India, though conservative, was established in 1786.
From 1786 till today, the journey of Indian Banking System can be
segregated into three distinct phases. They are as mentioned below:
PHASE I – Early phase from 1786 to 1969 of Indian Banks.
PHASE II – Nationalization of Indian banks and up to 1991.
PHASE III – Indian Financial & Banking Sectors Reforms after 1991.
PHASE I
The General bank of India was set up in the year 1786. Next came
bank of Hindustan and Bengal Bank. The East India Company
established Bank of Bengal (1809), Bank of Bombay (1840) and Bank
of Madras (1843) as independent units and called it Presidency
Banks. These three banks were amalgamated in 1920 and Imperial
Bank of India was established which started as private shareholder
banks, mostly Europeans shareholders. During the first phase the
growth was very slow and the banks also experienced periodic
failures between 1913 and 1948.
There were approximately 1100 banks, mostly small. To streamline
the functioning and activities of commercial banks, the Government
of India came up with the banking Act 1949 as per amending Act of
1965 (Act No.23 of 1965).
Reserve Bank of India was vested with extensive powers for the
supervisions of banking of India as the Central Banking Authority.
During those day’s public has lesser confidence in the banks. As an
aftermaths deposits mobilization was slow. Abreast of its saving bank
facility provided
By the Postal department was comparatively safer.
Moreover, funds were largely given to the traders,
PHASE II
Government took major steps in this Indian Banking Sector
Reform after independence. In 1955, it nationalised Imperial
Bank of India with extensive banking facilities on the large
scale especially in rural and semi urban areas. Second phase
of nationalization Indian Banking Sector Reform was carried
out in 1980 with seven more banks. The step brought 80% of
the banking segment in India under Government ownership.
The following are the steps taken by the government of India
to Regulate Banking Institution in the country:

1. 1949: Enactment of Banking

Regulation Act.

2. 1955: Nationalization of State

Bank of India.

3. 1959: Nationalization of SBI

subsidiaries.

4. 1961: Insurance cover

extended to deposits.

5. 1969: Nationalization
of 14 major banks.

6. 1971: Creation of credit

guarantee corporation.

7. 1975: Creation of regional

rural banks.

8. 1980: Nationalization of seven

banks with deposits over 200
crores.
After the nationalization of banks, the branches institution of the
public sector bank India rose to approx. 800% in deposits and
advances took a huge jump by 11000%. Banking in the sunshine of
Government ownership gave the public implicit faith and immense
confidence about the sustainability of these.
PHASE III
The phase has introduced many more product and facilities in
the banking sector in its reforms measure. In 1991, under the
chairmanship of M Narasimhan, a committee was set up by
his name which worked for the liberalization of banking
practices. The country is flooded with foreign banks and their
ATM stations. Efforts are being put to give a satisfactory
service to customers. Phone banking and net banking is
introduced. The entire system became more convenient and
swift. The financial system of India has shown a great deal of
resilience. It is sheltered from any crisis triggered by any
external macroeconomics shock as other East Asian countries
suffered. This is all due to a flexible exchange rate regime, the
foreign reserve are high, the capital account is not yet fully
convertible, and banks and their customers have limited
foreign exchange exposure.
Need of the Banks
Before the establishment of banks, the financial activities were handled by
money lenders and individuals. At the time the interest rates were very high.
Again there were no security of public savings and no uniformity regarding
loans. So as to overcome such problems the organised banking sector was
established, which was fully regulated by the government. The organized
banking sectors works within the financial system to provide loans accepts
deposits and provide others services to their customers.
The following function of the bank explains the need of the
bank and its importance:
•To provide the security to the saving of customers.
•To control the supply of money and credit.
•To encourage public confidence in the working of the
financial system, increase saving speedily and efficiently.
•To avoid focus of financial powers in the hands of a few
individuals and institutions.
• To set equal norms and conditions (i.e. rate of interest,
period of lending etc) to all types of customers.
Nationalization in the 1960's
Despite the provision, control and regulations of the Reserve Bank of
India, banks in India except the SBI, continued to be owned and
operated by private persons. By the n1960's the Indian banking
industry had became an important tool to facilitate the development
of the Indian economy. At the same time, it had emerged as a large
employer, and a debate had ensued about the nationalisation of the
banking industry. Indira Gandhi, the then prime minister of India,
expressed the intention of the Government not India in the annual
conference of the All India Congress Meeting in a paper entitled
"Stray thoughts on Bank Nationalization". The meeting received the
paper with enthusiasm.
Thereafter, her move was swift and sudden. The government of India
issued an ordinance (“Banking Companies (Acquisition and transfer of
Undertakings) Ordinance, 1969') and nationalised the 14 largest
commercial banks with effect from midnight of 19 July 1969. These
banks contained 85 percent of bank deposits in the country.
Jaiprakash Narayan,
National leader of India, described the step as a
“masterstroke of political sagacity”. Within two week of the
issue of the ordinance, the Parliament passed the Banking
Companies Bill, and it received the presidential approval on 9
August 1969
A second dose of nationalisation of 6 more commercial banks
followed in 1980. The stated reason for the nationalization
was to give the government more control of credit delivery.
With the second dose of nationalization, the Government of
India controlled around 91% of the banking business of India.
Later on, in the year 1993, the government merged New Bank
of India with Punjab National bank. It was the only merger
between nationalised banks and resulted in the reduction of
the number of nationalised banks from 20 to 19. After this,
until the 1990’s, the nationalised banks grew at a pace of
around 4%, closer to the average growth rate of the Indian
economy.
Liberalization in the 1990’s
In the early 1990’s the then government embarked on a
policy of liberalization, licensing a small number of private
banks. These came to be known as New Generation tech-
savvy banks and included Global trust Bank, which later
amalgamated with Oriented Bank of Commerce, UTI Bank,
ICICI Bank and HDFC Bank. This move, along with the rapid
growth in the economy of India, revitalised the banking sector
in India, which has seen rapid growth with strong
contribution from all the three sectors of banks, namely,
government banks, private banks and foreign banks.
The next stage for the Indian banking has been set up with
the proposed relaxation in the norms for foreign direct
investment, where all foreign investors in banks may be given
voting rights which could exceed the present cap of 10% at
present. It has gone up to 74% with some restrictions
The new policy shook the Banking Sector in India completely.
Banker, till this time, were used to the 4-6-4 method (borrow
at 4%, lend at 6%, go home at 4) of functioning. The new
wave ushered in a modern outlook and tech-savvy method of
working for traditional banks. All this led to the retail boom in
India. People demanded more from their banks and received
more

Government policy on banking industry

(Source:-The federal reserve Act 1913 and The
banking act 1933)
Banks operating in most of the countries must contend with
heavy regulations, rules enforced by federal and state
agencies to govern their operations, service offerings, and the
manner in which they grow and expand their facilities to
better serve the public. A banker works within the financial
system to provide loans, accepts deposits, and provides other
services to their customers. They must do so within the
climate of extensive regulations, designed primarily to protect
the public interest.
The main reasons why the banks are heavily regulated are as
follows:
 • To protect the safety of public's savings.
• To control the supply of money and credit in order to
achieve a nation's broad economic goals.
• The bank agrees to promptly collect the cheque
deposited to the customer’s account as the customer’s
agent, and to credit the proceeds to the customer’s
account.
• The bank has the right to combine the customer’s
account, since each account is just an aspect of the same
credit relationship .
• The bank has a lien on cheque deposited to the
customer’s account, to the extent that the customer is
indebted to the bank.
• The bank must not disclose details of transactions
through the customer’s account- unless the customer
consents, there is a public duty to disclose, the bank’s
interest requires it, or the law demands it.
• The bank must not close a customer’s account without
reasonable notice, since cheque is outstanding in the
ordinary course of business for several days.
Introduction to the Organization
Banking System in India:
1. Reserve Bank
2. Development Banks
3. Public Sector Banks
4. Foreign Banks
 5. Private Sector Banks
6. Cooperative Banks
7. Regional Rural Banks.

The Reserve Bank of India

The Reserve Bank of India is the Central bank of the
country and came into being by the Reserve Bank of
India Act 1934. It was nationalized in 1948
Reserve Bank of India is the bank that issues and
regulates the issue of currency in India. The banker to
the government of India and the State Government.
It manages the public debt. It has the obligation to
transact the banking business of the Central
Government. It undertakes to accept money on
behalf of the Government and make payment on its
behalf. The banker’s bank. Commercial banks
maintain their current account with the Reserve Bank
of India.
The bank that manages the volume of credit created
by the commercial banks to ensure price stability.
The bank that manages the external value of the
currency (Indian rupee).
Development Banks
 These were set up to give long term finance for the
development of the country. These are the Industrial
Finance Corporation of India and the Industrial
Development Bank of India. The Industrial Reconstruction
Bank of India and the National bank for Agriculture and
Rural Development. A former Development bank, the
Industrial Credit and Investment Corporation of India Ltd.
By a reverse merger in 2002, became a normal commercial
bank. It is expected that the other development banks,
having outlived their utility would also be either converted
to commercial banks or merged with commercial
Banks.

Public Sector Banks:

Public Sector Banks (PSBs) are banks where a
majority stake (i.e. more than 50%) is held by a
government. The shares of these banks are listed on
stock exchanges. There are a total of 21 PSBs in
India. Nationalised in 1955 under State Bank of India
Act, 1955.
Foreign banks :
India is a vast country with a lot of trade
opportunities. Banks had a major contribution in
India’s growth. Foreign banks, speaking about them
as a definition, they are banks from a foreign country
working in India through branches. RBI has provided
rules and guidelines for a foreign bank to establish
and operate in India.
Private Sector Banks
These are not owned and controlled by government.
The freely trade
In stock market.
Cooperative Banks
Cooperative Banks in India have become an integral
part of the success of Indian Financial Inclusion story.
They have achieved many landmarks since their
creation and have helped a normal rural Indian to
feel empowered and secure. The story has not been
smooth and has its share of procedural glitches and
woes placed at various pockets.
Regional Rural Banks:
The Regional rural banks are relatively new banking
institutions which were added to the Indian banking
scene since October, 1975.
There are 196 regional rural banks with a network of
branches in the states of the union territory.
Local area Banks:
In 1996, Government decided to allow new local area
banks with the twin objective of providing an
institutional mechanism for promoting rural and
semi urban saving and for providing credit for viable
economic activities in the local areas. The minimum
paid up capital of such banks would be 5 crores.
 Chapter 2
Introduction to the topic
Introduction to State Bank of India (SBI)
SBI is the largest and one of the oldest commercial
bank in India, its
Existence for more than 200 years. The bank provides
a full range of
Corporate, commercial and retail banking services in
India. Indian central bank namely RBI is the major
shareholder of the bank with 59.7% stake. The bank
capitalized to the extent of Rs. 646bn with the public
holding at 40.3 %. On 1st April, 2017, State Bank of
India, which is India’s largest Bank merged with five
of its Associate
Banks (State Bank of Bikaner & Jaipur, State Bank of
Hyderabad, State Bank of Mysore, State Bank of
Patiala and State Bank of Travancore) and Bharatiya
Mahila Bank with itself. This is the first ever large
scale consolidation in the Indian Banking Industry.
With the merger, State Bank of India will enter the
league of top 50 global banks with a balance sheet
size of 333 trillion, 278,000 employees, 420 million
customers, and more than 24,000 branches and
59,000 ATMs. SBI’s market share will increase to 22
percent from 17 per cent. It has 198 offices in 37
countries; 301 correspondents in 72 countries. The
 company is ranked 232nd on the Fortune Global
500list of the world’s biggest corporations as of
2016.
The bank has 14 directors on the board and is
responsible for the management of bank’s business.
The board in addition to monitoring corporate
performance also carries out functions such as
approving the business plan, reviewing and
approving the annual budget and borrowing limits
and fixing exposure limits. Recently, the senior
management of the bank has been broadly
considerably.

History

Though the founding of the commercial banks started with

me
Emergence of the Bank of Calcutta later renamed the Bank
of Bengal
In the year 1806, thus making it the oldest commercial
bank in the
Indian subcontinent, but with its merger with the Bank of
Madras,
Imperial Bank of India which in turn became State Bank of
India emerged. Pursuant to the provisions of the State
Bank of India Act, 1955, the Reserve Bank of India,
acquired a controlling interest in the Imperial Bank of India
thus on 1 July 1955, the Imperial Bank of India became the
State Bank of India. Today State Bank of India
Enjoys a privilege of a position of pre-eminence as an agent
OI KDI.
It is the only bank which has the largest network of 48
overseas offices spread over 28 countries. In a period of 5
years from July 1951 to 1955, State Bank of India was able
to provide banking facilities to the rural areas through it’s
across 400 branches. With the merger of New Bank of
India’ with ‘Punjab National Bank’ in 1993, the number of
nationalized banks rose up to a level of 19 and the number
of public sector banks reached 27. The number of branches
of public sector banks, which was 6,669 in June 1969,
increased to 41874 by Mach 1990 and further increased to
46,752 by March 30, 2003. The public sector banks thus
occupy a predominant position in the Indian banking
industry. It resulted in the creation of public sector banking
with a market share of 76.87 per cent in deposits and 72.92
per cent of assets in the banking industry at the end of
March 2003. State Bank of India is a multinational banking
and financial services company in India having 20% market
share in deposits and loans among Indian commercial
banks. As on December 2013, its assets were valued at
US$388 billion and a total of 16,000 branches,
Including 190 foreign offices spread over 34 countries,
which makes it the largest banking and financial services
company in India by
Assets. SBI had 14,816 branches in India, as on 31 March
2012
Of which 9,851 (66%) are in Rural and Semi-urban areas. In
the financial year 2012-13, its revenue was INR 200,560
Crores (US$
36.9 billion), wherein domestic operations contributed to 9.
3 0 revenue, also, domestic operations contributed to
88.37% of total profits.
The business of the bank was initially confined to
discounting
Bills of exchange or other negotiable private securities,
keeping cash
Accounts and receiving deposits and issuing and circulating
cash
Notes. Loans are restricted to Rupees 1 lakhs. But the main
function
Of 3 banks, as far as the government was concerned, was
to help the latter raise loans from time to time also provide
a degree of stability to the prices of government securities.
Associated Banks
SBI acquired the control of seven associate banks in 1960.
They were the seven regional banks of former Indian
princely states, all of them which were renamed with the
prefix ‘State Bank’. These seven banks were State Bank of
Bikaner and Jaipur (SBBJ), State Bank of Hyderabad (SBH),
State Bank of Mysore (SBM), State Bank of Patiala (SBP),
State Bank of Travancore (SBT), State Bank of Saurashtra
(SBS) and State Bank of Indore (SBI – Indore). All these
banks used the same logo as its parent bank.
The plans for making SBI a mega bank with trillion dollar
business by merging associate banks started in 2008, and
in September the same year, SBS merged with SBI. The very
next year, SBI-Indore
Also merged. In the same year, another subsidiary named
Bharatiya Mahila Bank was formed. The negotiations for
merging of 6 associate banks (State Bank of Bikaner and
Jaipur, State Bank of Hyderabad, State Bank of Mysore,
State Bank of Patiala and State Bank of Travancore and
Bharatiya Mahila Bank) by acquire their businesses
including assets and liabilities with SBI started in 2016. The
merger of these six subsidiaries was approved by Union
Cabinet on 15 June 2016. The State Bank of India and all its
associate banks use the same blue keyhole logo. The State
Bank
Of India word mark usually has one standard typeface, but
also
Utilises other typefaces.
On 15 February 2017, the Union Cabinet approved the
merger of five associate banks with SBI. What was
 overlooked, however, were different pension liability
provisions and accounting policies for bad loans, based on
regional risks. The State Bank of Bikaner & Jaipur, State
Bank of Hyderabad, State Bank of Mysore, State Bank of
Patiala and State Bank of Travancore, and
BharatiyaMahila
2017
Subsidiaries Banks
This network includes 8 banking subsidiaries and several
non banking subsidiaries. Through the establishment, it
offers various services including merchant banking services,
fund management, factoring services, primary dealership
in government securities, credit cards.

The Subsidiaries are:

• The State Bank of Bikaner & Jaipur
• The State Bank of Hyderabad
• The State Bank of Mysore
• The State Bank of Patiala
•
The State Bank of Travancore, and Bharatiya Mahila Bank
were :
• Merged with State Bank of India with effect from 1
April 2017. The State Bank of Indore The State Bank of
Saurashtra.
 • Competitors in the market
Top performing Public sector banks
• Bank of Baroda
• PNB
• Canara bank
• Bank of India Top performing Private sector bank
• HDFC bank
• ICICI bank
AXIS bank
• Kotak Mahindra
Top performing Foreign bank
•Citi bank
• HSBC bank
• Doha bank
• Bank of America
 SWOT Analysis.

Strength

1. SBI is the biggest bank in India with more than 14000

brano
2. State Bank of India (SBI) has a separate act for itself.
Thus,
Special privilege for the bank 3. Biggest branch network in
the country means good reach 4. First public sector to
move to CBS
5. SBI has close to 300,000 people employed with it
6. Backing of the Govt of India gives a huge boost to the
bank
7. State Bank of India offers services like consumer
banking,
Enterprise banking, insurance etc
8. It has a good brand visibility and awareness due to
extensive
Marketing
9. SBI has its presence in more than 35 countries with close
to 200
Offices
 Weakness

1. Immense competition means limited market share

growth for SBI
2. International presence is less as compared to global
banks
Opportunities
1. Pool in talent to replace the going top management to
serve the
Next generation
2. State Bank of India (SBI) can make better use of CRM,
technology and online space 3. Expansion into rural areas
to boost its business
3. With focus on India going cashless, the bank can
dominate the market with its extensive reach.

Threats
1. Consolidation among private banks can reduce market
share to
SBI 2. New bank licenses by RBI can affect operations 3.
Foreign banks that have sophisticated products
ONS
4. SBI operations are often disrupted by slow government
deci and red tapism
Rewards and Recognitions
“Best Executive” Award to the Chairman by Asia Money. State
Bank of India also improved its ranking in “Fortune” 500
Global
List, “Forbes” list of 2000 largest companies in the world,
“Banker
List of top 1000 world banks, Brand Finance – Global 500
Financial Brand re cognition, to name a few. “Most Admired
Infrastructure Financier” Award by KPMG, “Top Public Sector
Bank under SME Financing” by Dun and Bradstreet
The Bank was voted, for the third year in a row, as the “Most
Preferred Housing Loan” and “Most Preferred Bank” in the
CNBC AWAAZ Consumer Awards in a survey conducted by
CNBC TV18 in association with AG Nielsen & Company. The
Bank was also awarded the “Best Home Loan Provider” as
well as “The Best Bank” – by Outlook Money Awards, 2008.
SBI has been rated as the Best Public Sector Bank for Rural
Reach by Dun & Bradstreet. The Bank has won awards for
topping SHG Bank Credit linkage in Orissa, Jharkhand,
Maharashtra, Uttarakhand, Tamil Nadu and Uttar Pradesh.
The Bank was awarded Reader’s Digest “Pegasus
Corporate Social
Responsibility Award 2007” in re cognition of its
contribution
Towards Rural Community Development.
Ne bank was conferred the following National awards by
the
Government of India (GOI), Ministry of Micro Small and
Medium Enterprise s for the FY 2007- 08:
(i) First under “National Awards for excellence in lending
to Micro Enterprises”.
(ii) Second under
“National Awards for Excellence in MSE Lending”.
Product and Services
Personal banking
• SBI Term Deposit SBI loan for pensioners.
• SBI recurring deposits loan against mortgage of property
• SBI housing loan against share and debenture
• SBI car loan rent plus scheme
• SBI educational loan medi-plus scheme.
Others services
• Agricultural Rural banking
• NRI service
• ATM service
• Demat service
• Corporate banking
• Internet banking
• Mobile banking

The Bank was awarded Reader's Digest

“Pegasus Corporate Social Responsibility Award
2007"' in re cognition of its contribution towards
Rural Community Development
The Bank was conferred the following National
awards by the Government of India (GOI),
Ministry of Micro Small and Medium Enterprise
s for the FY 2007- 08: (i) First under "National
Awards for excellence in lending to Micro
Enterprises". (ii) Second under "National Awards
for Excellence in MSE Lending".
Product and Services
Personal banking
• SBI Term Deposit SBI loan for pensioners.
• SBI recurring deposits loan against mortgage
of property
• SBI housing loan against share and debenture
• SBI car loan rent plus scheme
• SBI educational loan medi-plus scheme.
Others services
• Agricultural Rural banking
• NRI service
• ATM service
• Demat service
• Corporate banking
• Internet banking
• Mobile banking.

International banking
• Safe deposit locker
• RBIEFT
• E-pay
E-Rail
• SBI Vishwa Yatra Foreign Travel Card
• Banking service
• Gift cheques.
SBI Advance Product
Loan provided bank to fulfil the requirement
which can be completed with re regular earning
of people. All banks have different product in
advance category, according to their customer.
Some o the advance products of SBI are as
follows:
• Home loan
• Educational loan
• Car loan
• Personal loan
• Property loan
• Loan against share & debentures etc…
SBI Home Loan
Eligibility Criteria, Documentation required for
SBI Home Loan.

Salaried
Self employed Age 18 years to 70years
21 years to 70years Income Rs.1,20,000 (p.a.) Rs.2,00,000
(p.a.) Loan Amount Offered 5,00,000 - 1,00,00000
5,00,000 - 2,00,00000 Tenure 5years-30years
5years-30years Current Experience 2years
3years Documentation
1) Application form with 1) Application form with
photograph photograph
2) Identity & residence proof 2) Identity & residence 3)
Education qualifications proof
certificate & proof of 3) Last 3 months salary business
existence slip
4) Business profile, 4) Form 16
5) Last 3 years profit/loss & 5) Last 6 months bank balance
sheet salaried credit statements 6) Last 6 months bank 6)
Processing fee cheque statements
7) Processing fee cheque These home loans are provided by
bank for the purpose of purchase or construction of house,
repair and renovation of house, furnishing and consumer
durable as part of the project cost. Takeover of an existing
loan from other Banks/ Housing Finance Companies.
 SBI Car Loan.

A Car loan is a great way to drive your dream car without

making the
More feasible are:
Complete payment upfront. Some other traits which make
a car loan
Flexible contract terms and comfortable tenure of loan i.e.
up to years Competitive and attractive rates of interests. A
tax deduction may be applicable if the vehicle is to be used
for business purposes, Almost everyone with a Permanent
Income can apply for a car loan Some banks offer up to
100% of car finance on ex-showroom price and generally
up to 85% of car finance on exshowroom price is available.
Very low processing fees and prepayment charges
Eligibility for availing car loan is as follows:
Age-21 to 65 years
Kind of employment- A permanent employee of
government or private company Income-should be 1 lakh
or above should be a permanent tax payer.
SBI Educational Loan

The loan granted to Indian Nationals for pursuing higher

education India or abroad where admission has been
secured.
Loan Feature
Loan Amount
For studies in India, maximum Rs. 10 lakhs; Studies abroad,
maximum Rs. 30 lakhs.
Interest Rate 11.75% to 13.50% per annum; 0.5%
concession for girls
Tenure
Repayment will commence one year after completion of
course or 6 months after securing a job, whichever is calle,
Repayment period: 10-12 years Pre Payment Charges
No prepayment penalties
Processing Fee: No processing fee/ upfront charges for
Service Studies
India Charges Deposit of Rs. 5000/- for education loan for
studies abroad
Which will be adjusted in the margin money
Eligibility Criteria: Education Loan
Salaried
Self
Age
Co-Applicants should meet the age criteria
CoApplicants should meet the age criteria
Co-Applicants Minimum Net Monthly Income will be
considered
CoApplicants Minimum Net Monthly
Income
Income will
Be
Considered
Co
Co-Applicants Minimum 2 years in Job Experience
employment and minimum 1 year in the
Current organization
Applicants Experience will be considered
Residence Proof
Information Not Available
Information Not Available
SBI Saral Personal Loans
The loan will be granted for any legitimate purpose
whatsoever like expenses for domestic or foreign travel,
medical treatment of self or a family member, meeting any
financial liability, such as marriage of son/ daughter,
defraying educational expenses of wards, meeting margins
for purpose of asset etc.
And you are eligible if you are a salaried individual of good
quality corporate self employed engineer, doctor, architect,
MBA with min 2 year standing
Loan Feature
Loan Amount
Minimum: Rs.24, 000/- in metro and urban centres, Rs.
10,000/- in rural/semi-urban centres. Maximum 12 times
Net Monthly Income for salaried individuals and pensioners
subject to a ceiling of Rs. 10 lakhs
Interest Rate
8.5% above Base Rate floating, currently 18.5% per annum.
 Tenure Up to 48 months
Pre Payment Charges No prepayment penalties
Service Charges Processing Charges: 2%-3% of loan amount

SBI Property Loan

This is stated to be all purpose loans because it can be

taken for any purpose under the amount withstanding to
Rs. 25 lakhs. And above this amount the purpose of loan is
to be stated with specific undertaking to be filled including
speculation on real estate and
Equity share.

Eligibility
You are eligible if you are:
• An individual who is;
An Employee or A Professional, self-employed or an income
tax assesses or NRIs (Who has residential property or
commercial properties in his own name or in the name of
spouse / children/parent/sibling)
Minimum net monthly income of Rs. 25000/- (or Rs. 3 lacs
Per annum)
 • Loan under LAP should be liquidated before eldest
borrower
Attain the age of 70 years.

SBI Gold loan

The State Bank of India offers Gold Loans of up to Rs.20
lakhs to its existing customers against their gold valuables.
So anyone having gold assets which are laying idle can
pledge these assets to avail ready cash for meeting any
kind of business or personal needs for which the individual
is facing a cash shortage. The loan granted is a multi-
purpose loan which can be used for several of
requirements. The only prohibitive use of the loan is in
speculative purposes or illegal acts. The loan amount can
also be used for personal expenses like marriage, education
of child, building a property, going on a leisurely vacation,
etc
Interest Rate
2% + lyr. MCLR = 11.05%
Minimum Loan Amount
Rs. 20,000
Max. Loan Amount
Rs. 20 Lakhs
Gold Loan Margin
25%
 Maximum Repayment Tenure
30 months (36 months for overdraft)
Processing Fees Hallmarked Jewellery/Special Bank Gold
Coins
0.50% of loan sanctioned + ST
Processing Fees of non-hallmarked ornaments
For Loan amounts not exceeding Rs. 25000 – Rs.1 For
Loans amounts >Rs. 25000 – higher among 0. Sanctioned +
ST or Rs. 500+ ST

SBI loan against share and debenture

Base Rate 09.85% w.e.f. 10.04.2015
Scheme Equity Plus Scheme
Loan against Shares & Debentures
Rate of Interest 6.50% above Base Rate, currently 16.50%
p.a. 6.50% above Base Rate, currently 16.50% p.a. 6.50%
above Base Rate, currently 16.50% p.a.
Loan to employees to subscribe for ESOPs
These loans are given for meeting needs of personal
nature. Loan will be permitted for subscribing to rights or
new issue of share debenture against the security of
existing share / debenture. Loan
 Will not be sanctioned for speculative purpose and inter
corporate investment or acquiring controlling interest in
company/ companies. The loan amount was Rs. 20 lakhs.
At SBAR Floating that is 12.25
% per annum.

SBI Gold loan

The State Bank of India offers Gold Loans of up to Rs.20
lakhs to its existing customers against their gold valuables.
So anyone having gold assets which are laying idle can
pledge these assets to avail ready cash for meeting any
kind of business or personal needs for which the individual
is facing a cash shortage. The loan granted is a multi-
purpose loan which can be used for several of
requirements. The only prohibitive use of the loan is in
speculative purposes or illegal acts. The loan amount can
also be used for personal expenses like marriage, education
of child, building a property, going on a leisurely vacation,
etc
Interest Rate 2% + lyr. MCLR =
11.05%
Minimum Loan Rs. 20,000
Amount
Max. Loan Amount Rs. 20 Lakhs
Gold Loan Margin 25%
Maximum 30 months (36 months
Repayment Tenure for overdraft)
Processing Fees 0.50% of loan
Hallmarked sanctioned + ST
Jewellery/Special
Bank Gold Coins
Processing Fees of For Loan amounts not
non-hallmarked exceeding Rs. 25000 -
ornaments Rs.1 For Loans
amounts >Rs. 25000 -
higher among 0.
sanctioned + ST or Rs.
500+ ST
Introduction to Axis bank
Axis Bank established in 1993 was the first of the new
private banks
to have begun operations in 1994 after the Government of
India allowed new private banks to be established. Axis
Bank Ltd. has been promoted by the largest and the best
Financial Institution of the country, UTI. The Bank was set
up with a capital of Rs. 115 crores, with UTI contributing
Rs. 100 crores, LIC - Rs. 7.5 crores and GIC and its four
subsidiaries contributing Rs. 1.5 crores each. Axis Bank is
one of the first new generation private sector banks to
have begun
operations in 1994. The Bank was promoted in 1993, jointly
by Specified Undertaking of Unit Trust of India (SUUTI)
(then known as Unit Trust of India), Life Insurance
Corporation of India (LIC), General Insurance Corporation
of India (GIC), National Insurance Company Ltd., The New
India Assurance Company Ltd., The Oriental Insurance
Company Ltd. and United India Insurance Company Ltd.
The shareholding of Unit Trust of India was subsequently
transferred to SUUTI, an entity established in 2003.
Erstwhile Unit Trust of India was set up as a body corporate
under the UTI Act, 1963, with a view to encourage savings
and investment. In December 2002, the UTI Act, 1963 was
repealed with the passage of Unit Trust of India (Transfer
of Undertaking and Repeal) Act, 2002 by the Parliament,
paving the way for the bifurcation of UTI into 2 entities,
UTI-I and UTI-II with effect from 1st February 2003. In
accordance with the Act, the Undertaking specified as UTI I
has been transferred and vested in the Administrator of the
Specified Undertaking of the Unit Trust of India (SUUTI),
who manages assured return scheme
along with 6.75% US-64 Bonds, 6.60% ARS ha Unit Capital
of over Rs. 14167.59 crores.
as strengths in both retail and corporate banking and is
The Bank has stre committed to ad
sed to adopting the best industry practices internationally
in
order to achieve excellence. Axis Bank entered a deal
banking and equities
Bank entered a deal in November 2010 to buy the
investment
o and equities units of Enam Securities for $456 million.
Axis
Burities, the equities arm of Axis Bank, will merge with the
vestment banking business of Enam Securities. As per the
deal. Cham will demerge its investment banking,
institutional equities, retail equities and distribution of
financial products, and nonbanking finance businesses and
merge them with Axis Securities.
 History of AXIS Bank

UTI Bank opened its registered office in Ahmadabad and

corporate office in Mumbai in December 1993. The first
branch was inaugurated on 2 April 1994 in Ahmadabad by
Dr. Manmohan Singh, the Finance Minister of India. UTI
Bank began its operations in 1993, after the Government of
India allowed new private banks to be established. The
Bank was promoted in 1993 jointly by the Administrator of
the Unit Trust of India (UTI-I), Life Insurance Corporation of
India (LIC), General Insurance Corporation, National
Insurance Company, The New India Assurance Company,
The India Insurance and United Corporation Oriental
Insurance Company.
In 2001 UTI Ban Trust Bank, but the and nothing came
TI Bank agreed to merge with and amalgamate Global but
the Reserve Bank of India (RBI) withheld approval
ame of this. In 2004 the RBI put Global Trust into
moratoriumand supervised its merger into Oriental Bank of
Commerce.

In 2003 Axis Bank

Axis Bank became the first Indian bank to launch the travel
currency card.
In 2005, Axis Bank got listed on London Stock Exchange.
UTI Bank opened its first overseas branch in 2006
Singapore. That
same year it opened a representative office in Shanghai,
China. UTI
Rank opened a branch in the Dubai International Financial
Centre in 2007. That same year it began branch operations
in Hong Kong. In 2008 it opened a representative office in
Dubai.
Avis Bank opened a branch in Colombo in October 2011, as
Licensed Commercial Bank supervised by the Central Bank
of Sri Lanka. Also in 2011, Axis Bank opened representative
offices in Abu Dhabi. In 2011, Axis bank inaugurated Axis
House, its new corporate office in Worli, Mumbai.
In 2013, Axis Bank's subsidiary, Axis Bank UK commenced
banking operations. Axis Bank UK has a branch in London.
DeepikaPadukone, a Mumbai Film Industry (a.k.a.
Bollywood) actress is the brand ambassador of Axis Bank.
In 2015, Axis Bank opens its representative office in Dhaka.
The bank has over 50,000 employees (as of 31 March
2016). The
bank incurred [ 26.7 billion on employee benefits during the
FY.
 2012–13. He average age of an Axis Bank employee is 29
rition rate in Axis Bank is approx. 9% per year.
Years.

Marketing mix Of Axis Bank

As the name suggests marketing mix is done when the
marketing Done, there is 7P formula that is done to evaluate
the
Strategy is done, there is 7P form business. The seven are:
• Product
• Price
• Promotion
• Place
• Process
• Positioning
• People
Product
The main products of AXIS Bank are Saving Account,
Current Account and Demat Account. The other products
are Home loan, personal loan, Insurance, Credit cards, etc.
For better marketing of products, the products are
categorized under Axis Bank and Axis Sales.
Products under Axis Bank are
• Saving Account
• Current Account
• For ex Department
• Salary Accounts
• Salary
• Products under Axis Sales
• Home loan
• Personal loan,
• Demat Account
Price

The price of the product depends upon the services

provided by the Dank on the respective product to the
customers. Detailed pricing changes from time to time and
the same can be Cound on the website of Axis bank. But
sometime you can include
Free additional items that cost you very little to produce
but make your price appear for more attractive to your
customer.
Minimum average balance varies from urban to student
account from 5000 to 500 respectively.
Promotion
Promotion can tangibilize services in different forms:
•Visualization
• Association
• Physical representation
• Documentation.
Visualization tangibilizes services through hoardings, TV
and print
Campaigns or advertisements. Physical representation in
services has
Process
Customer
Defined business process
Continuous improvement through people involvement.
Process innovations and
Result oriented approach- Each process has been designed
by first planning the desired results.
Axis Bank is constantly taking initiatives to offer the best in
class service that seek to enhance customer experience.
It refers to the way the customer see it in the process of
purchasing it. Whereas process refer to the way in which
the product has been achieved by the way of packing

Positioning
This P stands for the place of your product in the market
and the heart of customer. AXIS bank has many branches
all over the county for easy access of customer to the bank.
It also comes up with some phone banking centre and
centralized collection and payment hub.
Centralized Phone banking centre provide customer across
the
Country. Access to the bank over the phone, handling
multiple
Queries about 7000 calls per day
Centralised collection and payment hub manages the
entire
Collection and payment activity under the Bank’s cash
management service across the country, handing average
Rs. 5000 crores per
Nonth on the collection front and about Rs. 1500 crores per
month
On payment front.
Rewards and Reorganisations
Axis Bank Foundation conferred Outstanding Corporate
Foundation
At Forbes India, Philanthropy Awards; 2014.Axis Bank
conferred the Certificate of Recognition for excellence in
Corporate Governance by the Institute of Company
Secretaries of India (ICSI), for the year
2015. Axis Bank’s Mobile App tops Forrester’s review of
Smartphone Mobile Banking Apps in India Axis Bank has
won the ‘Best Performing Private Bank’ award at the
Financial Advisor Awards 2015-16 Axis Bank wins the
‘Affinity/Bank Partner of the year’ – at the Asia Trusted Life
Agents & Advisers Awards 2016, by Asia Insurance Review.
Best Domestic Bank in India- Asia money Best Domestic
 Bank awards 2016 Best Domestic Bank in India- Asia
money Best Banks 2015
Axis Banks wins the ‘Best Use of Mobile within a Loyalty
Strategy’
At the Loyalty Awards 2017 Axis Bank wins the ‘Best Use of
Partnership in a Loyalty Program’ at the Loyalty Awards
2017
Axis Bank wins the ‘Best Rewards Program for the 3rd
consecutive
Year at the Loyalty Awards 2017 Axis Bank has been
adjudged the Runner Up in the category of the Best Use of
Digital and Channels Technology amongst Large Banks by
the IBA Banking Technology Awards 2017 Axis Bank has
been adjudged the Runner Up in the category of the
Best Payments Initiatives amongst Large Banks by the IBA
Banking Technology Awards 2017
Axis Bank has been awarded the CX Innovator Best Omni
channel Customer Success Story at the 2017 Genesys
Customer Innovation Awards
Axis Bank has won the Best DCM House in India at the
Finance Asia Country Awards 2017.
Axis Bank and Axis Capital jointly won the Best Investment
Bank in India at the Finance Asia Country Awards 2017.
Axis Bank won the Grand Jury Award – Institution at the
UTI Mutual Fund and CNBC TV18 Financial Advisor Awards
2016-17. Axis Bank has won the IDRBT Banking Technology
Excellence Award 2016 – 2017 for Digital Banking among
Large Banks Axis Bank has received Sustainable plus Gold
Label for FY2016 by CII.
Product and service of AXIS bank
Types of Accounts
•
Pension saving account
• Prime saving account
• RFC (D) account
• Easy access account
• Salary account
• Women's saving account
• Senior privilege account
• Defence salary account
• Trust and NGO saving account
• Azzadi No Frills
Types of Deposits
• Fixed deposit
• Recurring deposits
• Tax saver fixed deposits
• Encash 24
Types of loans
• Home loan

• Personal loan
• Consumer loan
• Two wheeler loan
• Education loan
• Car loan
• Loan against property
•
Loan against security
Types of investment
Online trading
Mutual funds
• Fixed income
• Depository service
Pension saving account
This account is for existing and prospective employee of
central
government civil ministries and departments and defence
ministry

keeping in mind
mind the fact that these banking require special
consideration. The
on. These can be opened with these features:
to your Central Civil Pension
Access to your Cer
Earn 3.5%*;
est on daily balances, quarterly
Bank at your convenience D
Enjoy nil quarterly balance requiremer • Enhanced Banking
Benefits
Bank easy with a Visa Clas
with a Visa Classic Debit Card at low issuance charge
Keep yourself, your fan
irself, your family and assets safe
Earn edge Loyalty Rewards
Prime saving account
This account is created for your benefits and for you to get
extras. It gives you enhanced view of few features, like
50000 amount from ATM and double on shopping.
• Minimum balance requirement in this account is 25000
•
Interest rate is 4% given on the account
•
Facilities like mobile banking and internet banking.
Access to over 11,500 Axis bank ATM's and 2300 + Axis
bank branches.
RFC (D) Account

This is a foreign cui

Foreign currency account which can be opened, held
And maintained
Intained by any person who was a NRI but is now
Residing in India
• It can be opened with an
Be opened with any authorised dealer for depositing
Eligible foreign exchange funds
It can be held by
O be held by only those citizens and PIOs who have been
Non-residents for a continuous period of not less than one
Ear and have become resident in India on or after 18th
April,
1992
•
A foreign currency account is particularly useful for people
who travel abroad or stay back in India for longer period of
Time.
•
It gives them the ability, ease and flexibility to remit,
repatriate and hold their funds in India depending upon
their preferences and their residential status.
•
Submitting a few couple of documents at best is all you
need to get started.
• With such flexibility, convenience and simplicity you can
rest
Assured that the Resident Foreign Currency (RFC) Account
will take care of all your relevant banking needs.
The account holder once again goes abroad and becomes
non-resident then the balance available in RFC account can

Be repatriated
Abroad or the accounts can be converted into
NRE or FCNR aco
Sy access account
Easy access
This account if opened
If opened or created for the people who are starting the
Money. It is a very accessible account and makes provides
4% rate on daily balance, paid quarterly
Journey of saving
Ings very easy. It provides 49%
Low minimum OD of R.
Banking and internet banking is available. One
Num OD of Rs 10000. And a common feature of mobile
Ternate banking is available. One additional feature to is
that it provides 5 free transactions at Axis bank. You
This account is that it ne
Facility to track your account transaction using monthly e
Have the facility to
Statement or passbook.
Salary account
The easy access Salary account powers your payroll
account, gives enhanced access to your money and adds
protection benefits for your family. Minimum OD is O and
Average monthly balance requirement is NIL. As usual the
interest is 4% on daily balance. Provide you with NEFT
transaction.1 free multi city at par cheque book quarter.
One free pay order/ Demand Draft drawn At Axis bank
location per month.
Women’s Saving Account
Ne Women’s Savings Account is offered solely for the
convenience
Ne modern Indian woman. This account offers unique
banking
Solutions and enables higher
And enables higher savings, quick and hassle-free
 Chapter 3
Research methodology

Research methodology
h can be defined as the pursuit of truth with help of study,
Research can be
observations, com
tions, comparison and experiment. The main objective for
he research is to collect data, identifying the problems,
doing the research is to
nation of problems and suggesting the solution to it and
last
evaluation of par
taking out the conclusion
out the conclusion to it. Whereas research methodology
can
be defined as a science of studying how research is done
scientifically. In it we study the various steps that are
generally dopted by researcher in studying his research
along with the logic
behind them.
Data source
It consist of 2 types of data that is primary and secondary
data

Primary data
There are several methods of making primary data such as
questionnaires, observation, interviews and schedules. In
this report, questionnaires were the medium through which
some conclusion was reached. People were approached for
filling the questionnaires that were related to bank such as
bank employees and customer of these banks. Rating was
given such as agree, disagree, uncertain; strongly agree for
each question asked. And according to the filled
information analysis was done and interpretation and
finding was
done.
Secondary data
Secondary data means data that is already available that is
it may be
either published or unpublished. And these data are
available in form of various publication of government or
private organisation. Journals, books, newspaper, reports
of stock exchange and at last
public records. Whereas source of unpublished data may
be diaries,
letter. unpublished biographies and autobiographies and
data available with research scholars and research
workers.
Sample of 100 people was taken into consideration for this
report
and simple technique of filling of questionnaires were
followed after
data analysis of the customer's view about the products
and services
of the bank which at the end helped in letting the needs of
the
customer. When the result was out, the process of
interpretation was followed using tools such as bar graphs,
tables etc so that we can reach to the approx accurate
result of the customer view. The data
collected was classified and distributed in tables.
 Chapter 4
Data Analysis and Interpretation
Gender
Age group
Occupation
Income
What kind of investment you prefer?
Among SBI and Axis Bank which bank you
prefer?
Among SBI and Axis bank which bank
provides good return.
What was the single reason that you chose this
particular bank?
Which account facility you are availing in
the bank
Since how many years you are dealing with this
bank.
What is the main reason that you typically
visit your bank branch?
Which facility satisfies you most?
If you are provided with better services
with optional banks. Would you like to
move to another bank?
How would you rank the overall services?
Rate the SBI bank among following on the
basis of life scheme and services.
 CHAPTER 5
Conclusion, suggestion and
limitation of the study
 Conclusion
union start expects. The response with the service provides in starting
the prospect to AXTS banks was excelled bank. Being lot of effort to
increasing day by day both customer ne the conclusion starts with a
note that SBI is a better bank in. AXIS bank in few aspects. The
response of customer of these as excellent because they were satisfied
with the service of the Being one of the finest banks in the sector of
public banks SB1 provide effort to retain its positions and customer.
Because of this SBI is ng day by day by increasing its customers and
employee. Satisfying customer and seller that are public and
employees respectively Positions ache sector of with the scenery of
these er that arising its customer. Public banks as public and Omer’s
and employee of this SBI is the current considered their side to sates
issuer in India. Free current condition of SBI is that it provides all
possible efforts from ide to satisfy their customer. It is one of the
largest advance products in India. From the entry of SBI in the market
to present it is one of stets and broadest banks. And this effort of
creating such a wide empire of people can perform. SBI an re of
people and employees in the economy is not an easy task to arm SBI
and AXIS has created a brand value and brand image which is almost
impossible of reach.
Few points should be kept in mind for SBI to maintain the image
of leading advance product issuer such as:

• Customer retention

• solving problems of the customer to the maximum possible

extent

• Providing product and services to the customer according the

need of the customer

• Bringing new and advanced products in the market to attract

new customer.
Limitation

The main limitation assessment so the changes in the mark the

Organisation imitation of this project is that it is done on a daily basis
so the future or long-term prospect can't be identified. The he markets
make it difficult for a person to read the business of "a person can't be
ich daily base The conclusion of the Sion of the report is done on the
research and finding of the nay be approximately correct but not fully
perfect to the extent banks so it may be approximate day is based on a
single city i.e. Gorakhpur branch of SBI and AXIS view of other
metro cities might change a bit as the mentality of The study is based
on so the view of other people changes from changes from region to
region. The study was based on a very day was based on a very
modest sample size hence cannot be called enation of the views and
opinion of the majority as a representation of the banks

Suggestions
For attracting more customer in the organisation banks need to start
more campaigns like customer knowledge programs for telling the
customer about the new products and services of the banks.
Some after sale services for the customer such as keeping a positive
report of the request of the customer towards loans taken or allowing
phone facility for getting the feedback. As making new, bulky and
long-term customer is one of the main needs of the banks so is
retaining the old one is also the focus of the banks.
Now talking about one of the finest banks in India i.e., the
AXIS bank of India which is referred to as the fastest growing
concern in the banking sector with pure image of no dirt on it.
Being in the private sector of banking in India it obviously
takes few advantages over SBI, but as a private working unit
its corporate lending is strong, it has improved it asset lending
to a much higher level. We expect this favourable
environment to continue in the medium term but recognise
that a key challenge for banks will be funding growth. It
contains latest and advance tech. And products are upgraded
according to the environment, a strong service culture and
management enterprises feature help it stay ahead of the
dominant government banks to win market share.
 Chapter 6
Questionnaire
Income
a- Nil
b- Less than 50,000
c- 50,000 - 1,50,000
d- 1,50,000 - 3,00,000
e- 3,00,000 - 5,00,000
f- 5,00,000 and above

What kind of investment you prefer?

a- Low risk low return
b- High risk high return
c- Medium risk medium return
d- No risk

Among SBI and Axis Bank which bank you prefer?

a- SBI
b- Axis Bank
c- both
d- no idea
What was the single reason that you chose this particular
bank?

a- I have a traditional bank account with the same bank

b- A brand name of the bank
c- ATM service
d- Net banking facility
e- Location advantage

Which account facility you are availing in the bank?

a- Savings account
b- current account
c- Fixed deposit
d- NRI account
Since how many years you are dealing with this bank.

a- Less than 1 year

b- 1 to 2 years
c- 3 to 5 years
d- More than 5 years

What is the main reason that you typically visit your bank
branch?

a- To make a deposit
b- To get advice for investment options
c- To inquiries about a balance
d- To withdraw cash
e- other reasons
Which facility satisfies you most?
a- ATM
b- Interest package
c- loan
d- net banking
e- phone
f- early cheque clearance
g- preparation of drafts

If you are provided with better services with optional

banks. Would you like to move to another bank?
a- yes
b- no

How would you rank the overall services?

a- excellent
b- good
c- satisfactory
c- average
d- below average
Rate the SBI bank among following on the basis of life
scheme and services.

a- good
b- very good
c- average
d- below average

Rate the Axis bank among following on the basis of life

scheme and services.

a- good
b- very good
c- average
d- below average