A

Research report
On

“A study on stress management of employees at selected

private bank of rewa city”
Submitted under the partial fulliment of curriculum of
bachelor of business administration programme

SESSION- 2023-2024

submitted To
prof. Atul pandey
(prof. In-charge)
BBA programe

Guided by Submitted by
Dr. shweta Hotwani Ankita shukla
BBA (faculty) BBA Vth sem(HR)
APSU rewa Roll no.
 DECLARATION

I, Ankita Shukla , hereby declare that the research report entitled "A study on
stress management at selected private bank in Rewa City" submitted by me
under the partial fulfillment of B.B.Α. Program at Department Administration,
APSU, Rewa of Business M.P. in the supervision of Dr. Shweta Hotwani BBA
(Faculty).
I assert the statements made and conclusions drawn are an outcome of my
research work, I have followed all the guidelines provided by the university in
writing the project report.
I further declare that this submitted work is done solely by me and to the best of
my knowledge, no such work has been submitted by any other person for the
award of under/post-graduation degree or diploma. However, extracts of any
literature and the information collected by various secondary sources has been
duly acknowledged in this project.

ANKITA SHUKLA
BBA V SEM (HR)
 ACKNOWLEDGEMENT

The satisfaction and euphoria that accompanies the successful completion of

any task would be incomplete without mentioning the names of the people who
made it possible, whose constant guidance and encouragement crown all the
efforts with success.
I would like to give sincere thanks to all people who have guided, inspired and
helped me in the successful completion of this project. I owe a debt of gratitude
to all of them, who were so generous with their time and expertise.
I would like to give all gratitude and thanks to Prof. ATUL PANDEY, Professor &
Head, Department of Business Administration, Awadhesh Pratap Singh
University, Rewa for his constant inspiration to complete my research report.

I am extremely thankful to Dr. Shweta Hotwani, Human Resource Management

Lecturer at APSU, Rewa who as my guide was a constant source of inspiration
and encouragement to me. The strong interest evinced by her has helped in
dealing with the problem I faced during the course of project work. I express my
profound sense of gratitude to her for timely help and co-operation in
completing the project.
I also want to extend sincere gratitude to all the faculty members of D.B.A. and
all our friends, colleagues, who helped me a lot directly or indirect

ANKITA SHUKLA
BBA V SEM (HR)
 PREFACE

The project deals with “ A study on stress management at selected bank Rewa
city” the report is a humble presentation of the information gathered &
experience gained during the research report work. This report has been
properly divided into different chapter & these are further subdivided. The first
chapter of the dissertation gives conceptual framework of the topic where I tried
to combine all the aspect. The second chapter of the dissertation deals with the
company profile of HDFC, ICICI, AXIS, KOTAK MAHINDRA BANK. The third chapter
of the dissertation deals with the review of literature which is prepared by
consulting different library of Country, research, journal, books and the internet.
Here, I tried to give as maximum as possible work already done in this field. The
fourth chapter of the report describe the objective of the study. The fifth chapter
of the dissertation is research methodology. The sixth chapter of the factual
presentation of the observation taken during the research which provide data
both primary and secondary its analysis was also done to find out the various
aspect of stress and its Management. The seventh chapter of the dissertation
deals with the finding of my project study. The eight chapter deals with my
suggestion regarding this project study. Final chapter ninth deals with the
conclusion of my project study.

ANKITA SHUKLA
BBA VTH SEM (HR)
 INDEX

S.NO PARITCULAR PAGE NO.

Declaration

Acknowledgement

Preface

1 Chapter 1

1.1 Introduction

1.2 Definition of stress

1.3 Types of stress

1.4 Meaning of stress management

1.5 Techniques of stress management

2 Chapter 2

2.1 Company profile

3 Chapter 3

3.1 Literature profile

4 Chapter 4

4.1 Objective of the study

5 Chapter 5

5.1 Research methodology

5.2 Research

5.3 Research methodology

5.4 Research design

5.5 Research type

 5.6 Modes of data collection

5.7 Time of study

5.8 Sample design

5.9 Sampling technique

5.10 Sampling technique

5.11 Sampling area

5.12 Sampling size

5.13 Limitation of the study

6 Chapter 6

6.1 Analysis & interpretation

6.2 Profile of respondent

6.3 Data analysis

7 Chapter 7

7.1 Result & findings

8 Chapter 8

8.1 Suggestion

9 Chapter 9

Conclusion

References

Annexure
(Copy of questionnaire)
INTRODUCTION
 CHAPTER I
INTRODUCTION

1.1 Meaning of Stress

Stress can be defined as any type of changes that causes physical, emotional, physical stress.
Stress is your body responses to anything that require attention or action. Everyone Experience
stress to some degree the you respond to stress however, make a big difference to your over
well-being. Sometimes the best way to manage your stress involve changing your situation at
other times the best strategy involves changing the way you respond to the situation.
In short burst, stress can be positive such as when it helps you avoid danger or meet a Deadline.
But when stress last for a long time, it may harm your health.

S- STAND FOR SORROW

T- STAND FOR TENSION
R- STAND FOR RIVALARY
E- STAND FOR EMOTIONAL OUTBURST
S- STAND FOR SUCCESS PHOBIA
S- STAND FOR SUSPENSE

1.2 Definition Of Stress

Stress is a physical and emotional state away present in the person which is influenced by
various environmental, psychological, social factor but uniquely perceived by the person and
unsatisfied in response when environmental changes or threat occurs internally o externally
& the person must respond.
According to Richard S. Lazarus, “Stress as a condition or feeling experienced when a person
perceives that demands exceeds the personal and social resources the individual is able to
mobilize”.
According to Hans Selye, “stress is the body ‘s nonspecific response to a demand placed on it”
1.3 Types of stress
Acute stress
This is short term stress that goes away quickly. you feel when you slam on the break have a
Fights with your partner it helps to manage a dangerous situation. It also occurs when you do
something new or exciting.

Chronic stress
This is a stress that last for a longer period of time you may have chronic stress. It you have
money problem an unhappy marriage, or trouble at work. Any type of stress that causes for
week or for month is chronic stress.

1.4 Sign of stress

• Irritable, angry, impatient or wound up
• Depression
• Drug or alcohol misuse
• Sleeping problem
• Overeating
• Anxiety
• Lack of focus

Stress is a part of being human & it can help motivate. You to get thing done.

1.5 Effects of stress

PHYSICAL STRESS
Increased heart rate
Muscle tension
Gastrointestinal problems
Weakened immune system
Sleep disturbances
Fatigue
EMOTIONAL EFFECTS
Anxiety
Depression
Irritability
Feelings of helplessness
Low self-Esteem

COGNITIVE EFFECTS
Impaired concentration
Memory problems
Poor decision-making
Negative thinking

BEHAVIORAL EFFECTS
Changes in eating habits
Substance abuse
Social withdrawal
Procrastination

RELATIONSHIP EFFECTS
Conflicts
Communication issues
Neglect of relationships

1.5 Meaning of stress management

Stress management is defined as the tool strategies or techniques that reduce stress & reduce
the negative impact stress as on our mental & physical Wellbeing. A variety of technique used
to manage stress these include, mental, emotional & behavioural strategies.

1.6 Techniques of stress management

It is a set of techniques & programme intended to help people deal more effectively with stress
in their live by analysing the specific stress & taking positive action to minimise their effect.
1.Exercise - Working out regularly is one of the best ways to relax your body & mind plus
exercise will improve your mood but you have to do it often for it to pay off.

2.relax your muscles - When you are restressed your muscle get tensed you can Help loosen
then up on your own & refresh your body.
• Stretching
• Enjoying a massage
• Taking hot bath or shower
• Getting a good night sleep

3. Deep breathing - Stopping & taking a few deep Breath take the pressure of your right
away you will be surprised how much better you fell once you get good at it.

4. Eating well - Eating a regular well balance diet will help you feel better in general. It may
also help control your mood.

5. Make time for hobbies - You need to set aside for thing you enjoy, try to do something
Everyday.

6. Eliminate your trigger - Figure out what are the biggest cause of stress in your life. Is it
your job you accommodate your school work? If you are able to identify what they are see if
you reliable to eliminate them from your life or reduce them.

7. Take a break - you need to plan on some real downtime to give your mind time off from
stress if you are a person who like to set goals. This may be hard for you at first, but stick it &
you restful thing you can do include.
• Meditation
• Yoga
• Prayer
• Listening to your favourite music
• Spending time in nature
8. Talk about your problems - If things are bothering. You taking about them can help
lower your stress. you can’t talk to family member. Friends and you also talk to yourself. it is
called as Self talk & we all do it. But in order of Self talk to help reduce stress you need to
make sure it positive not negative. So listen closely to what you thinking or saying when you
are stressed. if you are giving yourself a negative message change it to positive one for example
don’t tell yourself “I can’t do this to yourself instead”, I can do this I am doing the best I can”
1.7 Benefits of Managing stress
Feeling well rested
boosts your material health
Increased productivity and concentration
positive effect on relationship
Better job performance
renewed health
Developing leadership skills
Improved oral health
Enhanced self-esteem
LITERATURE REVIEW
 CHAPTER II
LITERATURE REVIEW

Literature review is an analysis of already published book & article in a

summarized form.

A.P. & Singh (2011) - His study emphasizes on the phenomena of job satisfaction in the
organisation according to him job satisfaction is directly related to stress & work culture that
an organisation provides.
Khurram Zafar Awan and Faisal Jamil (2012)11 in their research titled “A comparative
analysis: Differences in overall job stress level of permanent employees in Private and Public
sector banks. Some variables of public sector employees are more affected whereas for other
variable of private sector is more affected, but overall public sector is found to be more
stressful.
S. Katyal M. Jain and B. Dhanda (2011)12 “A Comparative Study of Job Stress and Type of
Personality of Employees Working in Nationalized and Non-nationalized Banks” The
employees have to face stress and strain at workplace which is responsible for higher neurotic
symptoms among them like emotional instability, depressive mood, nervous breakdown, hyper
reactivity, over anxiousness, etc. Nadeem Malik, (2011)13 the growing importance of
interventional strategies is felt more at organizational level. This resear

Khalid A (2012) - There is a direct relationship between stress & job performance in any
organization to improve The performance of an individual in an organisation an employees
should receive good support from their Leader. Hence a supportive leader can produce the
improvement of Performance of employee even at unfavourable situations.
A.Sharmila and J.Poornima (2012)10- in their study on “employee stress management in
selected private banks in Salem” A majority of the employees face severe stress related ailments
and a lot of psychological problems. The management must take initiatives in helping
employees to overcome its disastrous effect. In an age of highly dynamic and competitive
world, employees are exposed to all kinds of stressors that can affect them on all realms of life.
The growing importance of interventional strategies is felt more at organizational level.
Nadeem Malik, (2011)13 - the growing importance of interventional strategies is felt more at
organizational level. This research intended to study the impact of occupational stress on public
and private Bank employees.
Churu M (2013), in his study stated that higher stress is Directly proportional to the Quality.
of work life for IP Professional. He outlined namely structure, study rale Demand, Supervisor.
Support, original, job environment Capability fit of the job, role autonomy of Stress. That
Directly affect the quality of life. The main Reason the stress among associates of 21 industry
technology. in the rapid change in the technology.
Md. Hasebur Rahman & Md. Kamruzzaman, et al. (2013)8- the commercial bank as one
the occupational group functions under of high stress. The variables such as long working hour,
workload, family sympathy, management pressure, mental depression, and job insecurity
perceived stress stressors of commercial bank. Employees wellbeing psychologically and
mentally depress if stress prolong over the period of time. Effective job design, healthy working
environment, remuneration should be offered to employees to motivate in competitive jobs of
commercial bank.
Tatheer Yawar Ali &Atif Hassan et al. (2013)9- the bankers are facing high stress in their job
and the reasons for this is stress include long working hours, improper reward system, lack of
job autonomy, organizational culture, role conflict etc and the main reason is lack of
management support to employees. They can notice a number of symptoms indicating high
level stress. If these symptoms are not noticed in early stage, they can cause serious health
problems among employees such as depression, heart problems, diabetes etc
Bhatti N, Shar H.A. Shaich F&M 8 Nazar M.S (2014) - He has classified stressor broadly
into Two main types to Intra Organisational Stressor (b) Extra - Organisation Stressor. - -
According to his study he predicted that the major are firstly cause of stress workload that
Causes 105%/% of Stress accordingly Secondly timing that result 16% of stress. Thirdly that
climate that Causes 11% of stress.
Dr. Vishal Samartha &Dr. Mushtiary Begum, et al. (2014) - the stress is unavoidable in any
occupation and banking is no exception. This study found that factors such as performance
pressure; inadequate planning at workplace, change to adaptability; family demands and lack
of efficient manpower caused more stress among the bank employees.

Enekwe, Chinedu Innocent & Agu, Charles Ikechukwu, et al. (2014)7 they have conducted
study based on the statistical calculation, male and female bankers not to differ significantly
on their stress management technique. It can be concluded that stress management is not gender
sensitive or gender- centric. This means that the problem of stress is both genders sensitive.
Furthermore, section of a banker has a significant influence on stress management technique.

Sharma S. Sharma & Devi A (2015) - The level of stress within because of individual
Difference in mindset, age, Gender of their performance Job. However that influence stress are
where the younger employee are more stressed as compared to other employee a level of
satisfaction payment, authority of Control, award of praise, improve Designation& working
Couple. The Study recommended a reinforcement approach That should be positive in nature
so as reduce the degree of stress at the work place.
Priyanka Das1, Alok Kumar Srivastav (2015)3 -they have identified that banks must manage
people at work to improve physical work environment, If the organizations enhance the
psychological well-being and health of the employees, the organizational revenue will increase
and there will be employee retention as well. Because of “A Healthy Employee is a Productive
Employee”. they concluded that the level of stress among the select public sector banks are
found to be limited and if the necessary action taken by the management that will help to relieve
the stress of the employees and also help to impact more productive employees that will help
the banks to achieve greater heights.
Ementa, Christiana Ngozi (2015)4 -the study looked into the bank secretaries’ perceived
causes of stress, its effect on their performance and effective strategies for coping with stress.
The study showed that bank secretaries consider most of the work functions as causes of stress
in the workplace, and these stressors has great effect on their performance, and have considered
a number of factors as effective strategies for coping with occupational stress. This study
concluded that bank secretaries experience a lot of work stress as they carry out their
administrative and clerical functions in the bank. The study further revealed that gender; work
experience and marital status do not significantly affect respondents’ mean rating on causes of
stress, effect of the stressors to performance and effective coping strategies. Since stress is
unavoidable in work life, it is obvious that bank secretaries must go through a form of stress to
accomplish office tasks, efforts towards effective management of stress is paramount.
Dr. P.Kannan & Suma.U (2015)5 in order to manage stress the organization has to encourage
employee development and embark on training interventions for employees. Training
specifically related to policies and policy implementation is a key priority. Stress in banking
sector is mostly due to excess of work pressure and work life imbalance the organization should
support and encourage taking up roles that help them to balance work and family.
Rosasa J.H.A Blevinsb RC (2016) - He reveal level of stress that differ occupational position
& not by age & gender. The analysis show that female had the higher Stress rate Then male.
The main problem faced by Student due to sleeping problem, Depression & irritability.
Mrs. Caral Lopes, Ms. Dhara Kachalia, (2016) 2 - They have conducted a study in private and
public banks. They have shown that the technological growth has revolutionized the way
banking sector works and the competition is globalised now way days because of the economic
condition. The level of stress faced by the employees in banking sector is also growing rapidly.
The study found that there is a significant relationship between type of the banks, age, gender
and education, job, role, interpersonal relationship and Impact of occupational stress. So the
banking sector employee should adopt new coping strategies for maintaining good physical
and mental condition to improve productivity.
B.kishori & B.vinothini (2016)2- the authors have found that productivity of the work force
is decisive factor for the success of an organization is concerned. In an age of highly dynamic
and competitive world, an employee is exposed to all kinds of stressors that can affect them on
all realms of life. The research intended to study the impact of occupational stress on
Nationalized Bank employees.
Srivastav A.K (2017) - The Article focus on the nature of role that causes Stress. It says role
performances encountered the problem of Stress. So they Should be tried to reduce or
eliminated. he nature of role of Stress was found to be heterogenous which cannot be Dilute
with one uniform Solution or intervention as a Whole. Hence Specific problem a related
Solution or intervention Should be adopted for better Organisation performance &
effectiveness.

AY Tatheer (2017) - Majority of Banker of Pakistan claim that the they Stress because of the
job not only affect their performances in bank but also. Equally affect their health & personal
life. They also declare that the Organisational politics of Bureaucracy are the main Stress
in their Bank.
Kodavatiganti k & Bulusu (2018) - The aim of the article is to have clear understanding of
phenomena that Caules stress among the academics According to the article women Educator
face comparatively higher level of Stress that men counter Past the Stress among the academics
are Caused because of lengthy working hours, inadequate that are Overfilled.

Michalidis M& Georgiou 7 (2019) - The author focuses on the Degree of Occupational stress.
That it influenced by the factor like level of Education, various pattern of Relaxation & any
other habit like drinking or smoking.

Sinha v & subraminah K.s (2021) - The study highlights that various level of organisation
experience different kind of role stress. It also states that stress is influenced by various factor
like shortage of resource overloaded will a role, isolation & expectation of a role.
OBJECTIVES OF
THE STUDY
 CHAPTER III
OBJECTIVES OF THE STUDY

1. To Analyse stress of selected Bank of Rewa.

2. To Analyse cause of stress among employee of Selected Bank of Rewa.

3. To Analyse Effect of stress on employee behaviour.

4. To Know the individual Strategies adopted by Employee to cope up with Stress at Selected
Bank of Rewa.

5. To Know the Strategies adopted by the Organization to Deal with the Stress Employee at
Selected of Bank Rewa.
COMPANY PROFILE
 CHAPTER IV
COMPANY PROFILE

HDFC BANK

Founded: August, 1994Headquarters

Mumbai, Maharashtra, India.
Number of employees: 104,154 (As of 30 June 2023)

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 RBI's liberalisation 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.

Capital structure:-
As on 30 - June-2019 the authorized share capital of the Bank is Rs. 650 crore. The paid up share
capital of the Bank as on the said date is Rs 546,56,24,542 /- which is comprising
of273,28,12,271equity shares of the face value of Rs 2/- each. The HDFC Group holds 21.31
% of the Bank's equity and about 18.81 % of the equity is held by the ADS / GDR
Depositories (in respect of the bank's American Depository Shares (ADS) and Global
Depository Receipts (GDR)Issues). 31.37 % of the equity is held by Foreign Institutional
Investors (FIIs) and the Bank has6,53,843 shareholders. The shares are listed on the
BSE Limited and The National Stock Exchange of India Limited. The Bank's American
Depository Shares (ADS) are listed on the New York Stock Exchange(NYSE) under the
symbol 'HDB' and the Bank's Global Depository Receipts (GDRs) are Listedon Luxembourg
Stock Exchange under ISIN No US40415F2002.

Distribution Network :-
HDFC Bank is headquartered in Mumbai. As of June 30, 2019, the Bank's distribution network
was at 5,130 branches across 2,764 cities. All branches are linked online on a real-time basis
Customers across India are also serviced through multiple delivery channels such as Phone
Banking, Net Banking, Mobile Banking, and SMS based 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 centres where the NSE / BSE have a strong and active member base.
The Bank also has a network of 13,395 ATMs across India.HDFC Bank's ATM network can
be accessed by all domestic and international Visa /MasterCard, Visa Electron / Maestro, Plus
/ Cirrus and American Express Credit / Charge card holders.

Management:-
HDFC Bank's Board of Directors comprises eminent individuals with a wealth of experience
in public policy, administration, industry and commercial banking. Senior executives
representing HDFC Ltd. are also on the Board. Various businesses and functions in the Bank
are headed by senior executives with work experience in India and abroad. They report to the
Managing Director. The Bank is focussed on recruiting and retaining the best talent in the
industry as it believes that its people are a competitive strength.
 ICICI BANK

Industrial Credit and Investment Corporation of India (ICICI) Bank Limited is an Indian
multinational banking and financial services company. It has its corporate office in Mumbai,
Maharashtra and was established on 5th January 1994. The banks have 5275 branches and
15,589 ATMs across India. It has a brand presence in 17 countries worldwide. Its subsidiaries
are present in the UK and Canada and its branches in USA, Bahrain, Singapore, Qatar, Hong
Kong, Oman, Dubai International Finance Centre, China and South Africa. ICICI bank also
has representative offices in the United Arab Emirates, Malaysia, Indonesia and Bangladesh.
It’s UK subsidiary has branches in Germany and Belgium. In 1998, ICICI bank launched
internet banking services and in 1999 it became the first Indian company and the first bank to
be listed on NYSE. ICICI bank also helped set up the Credit Information Bureau of India
Limited (CIBIL)
ICICI Bank Awards In 2018, ICICI bank won the Cilent Model Bank Awards in the Emerging
Innovation category. It also won the Best Retail Bank award for India at the Asian Banker
Excellence in Retail Financial Services International Awards for the 5th consecutive time. It
also won the maximum awards in the same year and the Indian Banks’ Association (IBA)
awards. ICICI Offerings ICICI Bank offers various services to the public in India and abroad.
Vision: To be the leading provider of financial services in India and a major global bank.
Mission- we will leverage our people , technology speed and financial capital to be:
be the banker of first choice for our customers by delivering high quality, world-class products
and services.
• expand the frontiers of our business globally.
• play a proactive role in the full realisation of India’s potential.
 • maintain a healthy financial profile and diversify our earnings across businesses and
geographies.
• maintain high standards of governance and ethics.
• contribute positively to the various countries and markets in which we operate.
• create value for our stakeholders.
Products and Services:
• Card (Credit cards, Debit cards, Travel cards, Corporate cards, Prepaid cards, Business
cards)
• Loan ( Home loan, Personal loan, Two Wheeler loan, Car loan)
• Investment
• Insurance
• NRI Banking
• Deposit
• Business Banking
• Personal Banking
Competitors:
• State bank Of India(SBI)
• HDFC
• Kotak Mahindra
• Bank Of Baroda
• IDBI Bank
• Punjab National Bank
• Axis Bank
SWOT Analysis: strength
• 2nd largest private bank.
• Successfully diversified it’s operations.
• Listed in NYSE (New York Stock Exchange).
• Considered as a pioneer in usage of internet services.
• Aggressive and innovation marketing strategies.
SWOT Analysis: Weakness:
Primarily targets upper middle class and upper class of the society.
• Higher service charges.
• Poor customer service.
• Focus only on high end customers.
• Transaction cost.
SWOT Analysis: Opportunities:
New IT and ITES companies.
• Dissatisfied customers of other bank.
• Business advising for smaller players.
• Expanding business to the middle and lower income groups.
SWOT Analysis: Threats:
Dissatisfed customers.
• Ever improving nationalized bank.
• Advent of MNC banks.
• More and more banks are coming up.
Future Growth & Prospects:
• Strategy to comprehensively cover an identified rural geography with branches.
• Branches at major agricultural markets.
• Franchisees, MFI & corporate partners.
• Multi-product suite for catering to various customer segment. • Savings and investment
products.
Conclusion:
ICICI bank Proves to be an ideal & leading other banks by using latest technology and variety
of services.
• On the basis of few techniques applied for the financial analysis of the ICICI bank we can
arrive at a conclusion that the financial position and overall performance of the bank is
satisfactory.
• Income of a bank has increased over a period but not in the same pace as of expenses. But
the bank has succeeded in maintaining a reasonable profitability position.
 Axis bank

Company Background
Axis Bank Ltd was incorporated in the year 1993 as ‘UTI Bank Ltd’
which provided corporate and retail banking products and was the first private banks to have
begun operations in 1994, after the Government of India allowed new private banks to be
established. The Bank was promoted jointly by the Administrator of the specified undertaking
of the Unit Trust of India (UTI - I), Life Insurance Corporation of India (LIC) and General
Insurance Corporation of India (GIC) and other four PSU insurance companies, i.e. National
Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance
Company Ltd. and United India Insurance Company Ltd.

A Successful makeover as ‘AXIS BANK’

In 2007 the bank decided to have an identity of its own distinct from its parent UTI- Thus was
born a brand ‘Axis’- a word which connotes solidity and gives a feel of transcending
geographical boundaries. The Bank successfully rebranded itself as ‘Axis Bank’ in July 07
which has helped it in shedding the faint perception of being Government owned entity. This
brand makeover was very well executed, thus ensuring No slippages in the bank’s
growth trajectory which was evident from the 67% growth in its customer accounts to 9.9 m
during FY08 as against 5.93 m during FY07.The Bank today is capitalized to the extent of Rs.
403.63 crores with the public holding (other than promoters and GDRs) at 53.72%. The Bank's
Registered Office is at Ahmedabad and its Central Office is located at Mumbai. The Bank has
a very wide network of more than 896 branches and Extension Counters (as on 31st December
2009). The Bank has a network of over 4055 ATMs (ason 31st December 2009) providing 24
hrs a day banking convenience to its customers. This is one of the largest ATM networks in the
country. The Bank has strengths in both retail and corporate banking and is committed to
adopting the best industry practices internationally in order to achieve excellence. Axis Bank
currently has global footprints in four countries by way of 3 branches in Singapore, Hong Kong,
Dubai and 2 representative offices in Shanghai and Dubai. It has also sought permission from
the Sri Lankan Government to open a branch in Sri Lanka in the current fiscal. In these
locations it offers corporate credit and trade finance solutions, debt syndication and wealth
management services to NRI population settled in these cities.

Promoters
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 crore, with UTI contributing Rs.
100 crore, LIC - Rs. 7.5 crore and GIC and its four subsidiaries contributing Rs. 1.5 crore each.

SUUTI - Shareholding 24.09%

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 2entities, 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 schemes along with 6.75% US-64 Bonds,
6.60% ARS Bonds with a Unit Capital of over Rs. 14167.59 crores. The Government of India
has currently appointed Shri K. N. Prithviraj as the Administrator of the Specified undertaking
of UTI, to look after and administer the schemes under UTI - I, where Government has
continuing obligations and commitments to the investors, which it will uphold

VISION, MISSION AND VALUES

Vision
To be the preferred brand for total financial banking so AXIS one for both corporate
and individuals.

Mission
• Customer Service and Product Innovation tuned to diverse needs of individual and
corporate clientele.
• Continuous technology upgradation while maintaining human values.
• Progressive globalization and achieving international standards.

• Efficiency and effectiveness built on ethical practices.

Values

• Customer Satisfaction through

• Providing quality service effectively and efficiently.

• Smile, it enhances your face value" is a service quality stressed

• Periodic Customer Service Audits

• Maximization of Stakeholder value

• Success through Teamwork, Integrity and People

 MAHINDRA BANK

Kotak Mahindra Bank works with a vision to provide customer a helpful hand, in particular
with Kotak Mahindra Bank Ltd is one of the fastest growing bank and among the most admired financial
institutions in India. The Bank offer transaction banking, operates lending verticals, manages IPOs and provides
working capital loans. They have one of the largest and most respected Wealth Management teams in India,
providing the widest range of solutions to high net worth individuals, entrepreneurs, business
families and employed professionals. The Bank has over 245 branches, a customer base of over 8 lakh and
has spread all over India. The Bank offers complete financial solutions for infinite needs of
all individual & non-individual customers depending on the customer's need - delivered through a state of
the art technology platform. They also offer investment products like Mutual Funds, Life Insurance, retailing of
gold coins and bars etc. A part from Phone banking and Internet banking, they offer convenient banking facility
through Mobile banking, SMS services,, Home banking and BillPay facility among others. The Depository
services offered by the Bank allows the customers to hold equity shares, government securities ,bonds and other
securities in electronic or Demat forms. Their Salary 2Wealth offering provides comprehensive
administrative solutions for Corporates with features such as easy and automated web based salary upload
process thereby eliminating the paper work involved in the process ,a dedicated relationship manager to service
the corporate account ,customized promotions and tie - ups and many such unique features. The Bank offers
comprehensive business solutions for the business community that includes the Current Account,
Trade Services, Cash Management.
Kotak Mahindra Bank Ltd (Kotak) is a provider of consumer banking, commercial banking,
corporate banking, and wealth management. Consumer banking comprises accounts, deposits,
cards, loans, insurance, investments, payments and transfers, NRI Banking, and privy banking
services. Commercial banking includes working capital, trade service, and various non-
banking value-added services. Corporate banking offers finance, payment, and collection
services, transaction management, and FOREX management. Wealth management contains
smart solutions, research and insights, investment management, wealth structuring, and
banking solutions. The bank serves retail, commercial, SME, NRI corporate, and wealthy
clients in India, and through representative offices in the US, the UK, the UAE, Singapore, and
Mauritius. Kotak is headquartered in Mumbai, Maharashtra, India.

ACHIEVEMENTS OF KOTAK MAHINDRA BANK

Year milestone
1986 Kotak Mahindra Finance Limited starts the activity of Bill Discounting
1987 Kotak Mahindra finance limited
1990 The auto finance division is started
1991 The investment banking division is started. Takes over FICOM, one of India’s largest
financial retail marketing networks.
1992 Enters the funds syndication sector
1993 Brokerage and distribution businesses Incorportated into a separate company.
1995 Enter the mutual fund market with the launch of kotak Mahindra asset management company.
1996 Matrix sold to Friday corporation
Launches insurance services
1998 Launches India growth fund , a private equity fund
 RESEARCH
METHODOLOGY
 CHAPTER V
RESEARCH METHODOLOGY

Research Creative and systematic work undertaken to increase the stock of Knowledge
Research in common refer to a Search for knowledge one can also define research as a
Scientific & Systematic for patient Information on a Specific topic.

5.1 Meaning of Research

Research is Systematic inqury to Describe Explains Predict & control the observed
Phenomena. It include inductive & deductive methods.

5.2 Research Methodology

It is Science of Studying a how reserch is to be Carried out Essentiall The procedure by but
Which researcher go out their work of describing Explaining & predicting are called as
Research Methodology.The Systematic study of method that are can be , or have been applied
within a discipline.

5.3 Sources of data collection

Normally we can gather data from two sources namely primary & secondary sources .
Primary data – is one which is collected for the first time by the researcher. primary data for
this study is collected with the help of structured questionnaire.
Secondary data – is the data that has already been collected through primary sources and made
readily available for research. to use for their own research secondary data for this study is
collected with the help of book, journal, websites etc.

5.4 Sampling
Sampling is a process used in statistical analysis in which a pre- determined number of
Observation are taken from a large population. Sampling allow researcher to obtain enough
data to answer the research question without having the Query the entire population saving
time of money.

5.5 Sample area

Four selected private banks of Rewa city have been taken as sample area i.e.
HDFC Bank, ICICI Bank, AXIX Bank and Kotak Mahindra Bank.

5.6 Sample size

100 Bank Employees of Rewa city.
5.7 Sampling Technique
Two Stage Sampling has been taken for the Study in the first stage, on the basis of Judgement
top 4 Private bank of Rewa city have been taken and then in the second stage on the basis of
convenience Sampling. sample has been drawn from four selected bank.

s.no. Selected bank of Rewa Sample size

city
1 HDFC BANK 28
2 ICICI BANK 27
3 AXIS BANK 16
4 KOTAK MAHIDRA 29
BANK

5.7 Tool used for data analysis and presentation

The data after collection are processed and analysed. the process Implies. the need for proper
presentation arises because of the fact that the statistical data is their raw from almost
challenged Comparison. When the data is classified and presented in tabular form.it is easy to
draw interference more quickly and facilitate in statistical analysis.
For data analysis percentage method was used data is presented with the help of table, bar-
graphs and pie-chart.
 ANAYSIS AND
INTERPRETATION
 CHAPTER VI
ANALYSIS AND INTERPRETATION
1.Do you feel stressed in the Organization?

Table 6.1 feel stressed in the organisation

Statement Frequency Percentage
Yes 99 99%
No 1 1%

Feel stress in the organisation

1%

99%

yes no
Graph 6.1 feel stress in the Organisation

Interpretation
the above chart revels that 99% of the employee feel stressed in the organisation and 1% don’t
.
2. How often do you feel stressed ?

Table 6.2 often feel stress

Statement Frequency Percentage
Always 10 10%
Mostly 25 25%
Often 34 34%
Rarely 26 26%
Never 5 5%
Total 100 100%

Do you feel stress

5 10

26
25

34

always mostly oftenly rarely never

Graphs 6.2 Do you feel stress

Interpretation
The above chart reveals that 10% of the respondent always feel stressed while 34% Oftenly
feel stressed , 26% of the respondent rarely feel stressed and 5% never feel stressed.
3. what are the causes that make you feel stressed ?
Table 6.3 causes of stress
statement Strongly Disagree Neutral Agree Strongly Total
disagree agree Tws Aws
more centralize 3 3% 18 18% 18 18% 5 5% 56 56% 393 3.93
organisation of
athority in few
hands
lack of support 2 2% 30 30% 15 15% 8 8% 45 45% 364 3.64
from members
Multiple roles 30 30% 18 18% 30 30% 2 2% 20 20% 264 2.64
within
organisation
Incentive 21 21% 24 24% 24 24% 21 21% 10 10% 275 2.75
issues
high target 11 11% 12 12% 5 5% 36 36% 36 36% 374 3.74
Strict rules & 15 15% 25 25% 34 34% 8 8% 18 18% 289 2.89
regulation
Poor 27 27% 10 10% 7 7% 21 21% 35 35% 327 3.27
ininterpersonal
relationship
lack of job 13 13% 16 16% 15 15% 37 37% 19 19% 333 3.33
security
60 56
causes of stress
50
45
No. of employees

40 3636 37
34 35
30 30 30
30 27
2424 25
20 21 21 21
1818 18 18 19
20 1615
15 15
13
10 1112 10
10 8 8 7
5 5
3 2 2
0
more
lack of
centralisatio multiple strict rules poor
support from incentive lack of job
n of roles within high targets and interpersona
group issues security
authority in organisation regulations l relations
members
few hands
SD 3 2 30 21 11 15 27 13
D 18 30 18 24 12 25 10 16
N 18 15 30 24 5 34 7 15
A 5 8 2 21 36 8 21 37
SA 56 45 20 10 36 18 35 19

Graph 6.3 the causes that make you feel stressed

Interpretation
1.More centralisation of authority in few hands
The above table indicate that 21% of the employees disagree ( 3% strongly disagree + 18%
disagree) that more centralisation in few hands causes stress to them,and 18% of employee
were neutral , 61% of the employee agree (5%agree+56% strongly agree) the above chart
shows that the power of the organsiation is centralise .

2. lack of support from group member

The above table suggests that 53% of employees agree (8%agreee + 45% strongly agree ) that
they face lack of support from group members in their organisation where as 32% of employees
disagree (2% strongly disagree + 30% disagree ) with the same and 15% of employees were
neutral. The Weighted Average Score (WAS=3.93) also indicates that most of the employees
agree that lack of support is one of the reason behind their stress.

3. Multiple roles within organisation

The above table suggests that there is no multiple roles of employees within organisation
because 48% of employees disagree ( 30% strognly disagree + 24% disagree) that they don’t
done any extra roles with in organisation 30% of the employees were neutral and 22% of they
employees ( 2% strongly agree + 20% agree ) with the same .The weighted average score (WAS
= 2.64) indicates that the most of the employees were neutral that

4.incentive issue
The above table suggests that 45% of the employee disagree ( 21% strongly disagree + 24%
disagree ) that incentive causes is a cause of stress . 24% of the employee were neutral and
31% of the agreed ( 21% agree + 10% strongly agree ).The weighted average score (WAS=
2.75) indicates that the most of the employees were neutral

5. High targets
The above tables suggests that 72% of the employees ( 36% strongly agree + 36% agree ) that
they have high targets in their organisation . 5 % of the employees were neutral and 23% of the
employees ( 11% strongly disagree + 12% disagree ) with the same. The weighted averages (
WAS = 3.74) suggests that the employees
4.what are the symptom that you feel when you are stressed ?

Table 6.4 effect of stress on behaviour

Statement Strongly Disagre Neutral agree Strongly Total
disagree e agree tws was
I feel irritated 10 10% 5 5% 23 23% 38 38% 24 24% 361 3.61
&frustrated
I get absent 36 36% 23 23% 12 12% 28 28% 1 1% 235 2.35
fromm the
work
I turn 12 12% 5 5% 13 13% 48 48% 22 22% 363 3.63
aggressive
I tend to stay 26 26% 19 19% 39 39% 14 14% 2 2% 247 2.47
isolated
I become 10 10% 20 20% 27 27% 26 26% 17 17% 400 4.00
careless with
my work
Effect of stress on behaviour
60

50 48

39
No. of employees

40 38
36

30 28 27 26
26
23 24 23 22
19 20
20 17
13 14
12 12
10 10
10
5 5
1 2
0
I feel irritated and I get absent from I tend to stay I become careless
I turn aggressive
frustated the work isolated with mywork
SD 10 36 12 26 10
D 5 23 5 19 20
N 23 12 13 39 27
A 38 28 48 14 26
SA 24 1 22 2 17

Graphs 6.4 Effect of stress on behaviour

Interpretation

1.I feel irritated and frustrated

The above table suggests that 62 % of employeee agree where ( 38% agree + 24% strongly
agree ).this show that most of the employees feel irritated and frustrated in an organisation and
23% of employee neutral and 15% of employee disagree ( 10% strongly disagree + 5 % disgree
) with the same. The weighted averages (WAS = 3.61) indicates that the employees feels
irritated and frustrated in their organisation.

2. I got absent from the work

The above table indicate that 59 % of employee disagree ( 36% strongly disagree + 23% disagree
) that more I got absent from the work because of the stress while 12% of employee neutral and 29
%agree were ( 28% agree + 1% strongly agree ) with the same. The weighted averages (WAS = 2.35)
suggests that the employees were neutral with this statement that they got absent from the work because
of the stress.

3. I turn Aggressive
The above table indicate that 70% of the employees agree( 48% strongly agree + 22% agree)
with this statement that they turn aggressive very soon beeacuse of the stress and 3% of the
employee were netural and only 17% of the employee were disagree ( 12% strongly disagree
+ 5% disagree) with the same. The weighted averages (WAS= 3.63) reveals that the employees
turn aggressive very soon because of stress .

4. I tend to stay isolated

The above table suggests that 45% of the employees ( 26% strongly disagree + 19% disagree)
with the statement it means they feel stressed but they don’t isolated and 39% of employees
were neutral that sometimes they feel to stay isolated and 16% of the employees agree with the
statement ( 14% strongly agree + 2% agree) with the same.The weighted averages (WAS=
2.47) this data reveals that employees are neutral that beacause of the stress they stay isolated
.

5. I become careless with my work

The above table suggests that 43% of the employees agree with the statement ( 26% strongly
agree + 17%agree ) with the help of the data this is clarify that they become careless with their
works because of the stress and 27% of the employees were neutral and 30% employees
disagree ( 10% strongly disagree + 20 % disagree ) with the same . The weighted averages
(WAS= 4.00 ) this data reveals that beacause of the stress they feel so low and down and
become careless with their work.
5. what are the strategies adopted by you to cope up with the stress?

Table 6.5 strategies adopted to cope up with stress

statement Yes no total
Do yoga & meditation 78 78% 22 22% 100
I listen to music 88 88% 12 12% 100%
I give time to my hobbies 56 56% 44 44% 100%
I read book 37 37% 63 63% 100%
I talk concelling session 29 29% 61 61% 100%

Strategies adopted to cope up with stress

88
90
78
80

70 63
61
60 56

50 44
No. of employee

37 YE
40
S
29
30
22

20
12

10

0
I do yoga ad I listen to music I give time to my I read I take
meditation hobbies motivational counselling
books sessions from
groups
YES 78 88 56 37 29
NO 22 12 44 63 61

Graphs 6.5 strategies adopted to cope up with the stress

Interpretation

1) I do yoga & meditation

It is a very useful and beneficial stress management strategy to manage stress level.
Meditation good for peace of mind and yoga is like a mind body practice. It helps to
reduce stress level, blood pressure problems and good for heart and mind too. To reduce
stress problem so there is a need to do meditation and yoga at least 20 to 25 minute
daily. In this study 78% of the employee agree where as 22 % are disagree.

2) I listen to music
This data reveals that 88% of employees agree that they need to listen the music because
sounds like a benefical approach . music can be a helpful tool for stress management,
creating a more conducive environment for focused on work and 12 % of the employees
diagree.

3) I give time to my hobbies

This data reveals that 56% of the emoloyees agree that they have time to give their
hobbies where as the 44% of the employees disagree with the same .

4) I read motivational books

This data reveals 63% of employees disagree that they don’t have to read motivational
books beause of their busy schedule and 37% of the employee answered that they have
time to read books .

5) I take counselling sessions from group

Counselling session is very prominent stress management strategies. It is like a meeting
between organizations superior and sub ordinates. Counselling session contain 29%
respondents who are agree that counselling session helps to manage stress. 61%
respondent.
6. what are the strategies adopted by the organisation to deal with the stress?

Table 6.6 strategies adopted by the organsation to deal with the stress
Statement Yes No Total
My organisation organise 18 18% 82 82% 100%
counselling programme
Organisation oganise 36 36% 64 64% 100%
yoga and meditation
Organisation provide 38 38% 62 62% 100%
stress relieve program
Supervisor give 74 74% 26 26% 100%
oppurtunity of decision
making
Organisation organise 52 52% 48 48% 100%
stress reducing skill
training

Strategies adopted by the organisation to deal with the stress

90
82
80
74

70
64
62
No. of employees

60
52
50 48

40 38
36

30 26

20 18

10

0
my organisation
my organisation my organisation my supervisor
my organisation organises stress
organieses organies yoga and gives oppurtunity
organies stress mmanagement
counselling meditation of participation in
releving workshop training
progrmmes programmes decision making
programmes
yes 18 36 38 74 52
no 82 64 62 26 48

Graph 6.6 Strategies adopted by the organisation to deal with the stress
Interpretation

1)My organisation organise counselling programme

Counseling is an effective and preventive people management strategy for organizations
to help employees better managing stress, personal issues or work related problems. And this
data reveals that 82% of the employees disagree and only 18% employees agree.

2) Organisation oganise yoga and meditation

Yoga is an ancient art that connects the mind and body. It is an exercise that we perform by
balancing the elements of our bodies. In addition, it helps us meditate and relax. Moreover,
yoga helps us keep control of our bodies as well as mind and this data suggests that 64% of the
employees are disagree where as 36% employees agree.

3) Organisation provide stress relieve program

Provide resources and support. Offer educational resources on strategies employees can use to
reduce their own stress such as daily exercise, maintaining social contacts and practicing good
sleep habits but this data reveals that 62% of the employees are disagree with the statement
whereas the 38% employees agree,

4) Supervisor give oppurtunity of decision making

Good decision-making can help managers show their employees that they value their work and
have their best interests in mind. When a manager takes the time to evaluate, analyze and
explain decisions, they also display thoughtfulness and trustworthiness and this data reveals
that 74% of the employees are agree and 26% of the employees are disagree with the same.

5)Organisation organise stress reducing training programmes

This data reveals that 52% of the employees are agree that yes they provided training
programmes for reducing their stress level where are 48% of the employees are disagree with
the same .
FINDINGS OF THE
STUDY
 Chapter VII
FINDINGS OF THE STUDY

1. The study shows that 99% of the respondant feel stressed in the organisation and 1%
don’t.
2. The study show that most of the employee feel stressed in their orgnaisation .

3. This study show that majority of the employee are agree for more centralised of
Authority in one hand . whereas employee are strongly agree for lack of support from
group member. Employee are strongly disagree from multiple roles with organisation .
In case of incentive issues the neutral result should be find from employee, most of the
employee are agree for high target due to the cause of stress. neutral no. of employees
want strict rules and regulation employees are totally disagree from poor interpersonal
relation and most of the employee are agree from lack of job security.

4. This study show that most of the employees are agree that they feel irritated and
frustrated and also most of the employee are strongly disagree that they get absent from
their work beacause of the stress. And mojority of employees are agree that they feel
aggressive in the organisation , neutral number of the peoples are tend to stay isolated .
this data also reveals that majority of the employees become careless with their work
due to the higher level of the stress in their life.

5. This study deal with the strategies how to cope up, with stress and reveals that majority
of the employee do yoga and meditation for dealing with their stress, and most of the
employees listen music for chaniging their mood and for overcoming their stress ,many
of them gives time to their hobbies and less of employees taking councelling session
from group.

6. This study deals with the strategies adopted by the organisation to cope up with the
stress and data reveals that organisation not organise councelling programme for the
employees and organisation also not organise any yoga and meditation programme for
the welfare of the employees and majority of the employees reveals that the
organisation orgnaise skill and training programmes.
SUGGESTIONS OF
THE STUDY
 CHAPTER VIII
SUGGESTIONS OF THE STUDY

1) Since the data analysis revealed that employees have to play multiple roles in the
organisation which causes stress amongst them, therefore it is suggested that proper
work allocation should be done and realistic & reasonable amount of work should be
given to them so that they don’t feel pressured and stressed because of over work load.

2) As data reflects that majority is neutral for they are provided proper incentives,
therefore it is suggested that employees hard work should be recognised and rewarded
though incentives which would certainly help them in maintaining motivation and
reducing their stress.

3) Since majority disagreed for their organisation doesn’t organises any counselling
programmes to relieve their stress, therefore it is suggested that the organisation should
organise such counselling programmes which would help employees in neutralising
their stress.

4) Since data analysis indicated that organisation doesn’t organizes any yoga & meditation
programmes therefore it is suggested that organisation should occasionally organizes
yoga & mediation programme as they are really helpful in relieving the stress. So with
this employee would certainly feel lighter & revitalised and they would resume their
work with positive energy.

5) Stress relieving & motivational programme should be organised to neutralise negativity

& stress levels of employees.

6) Since data analysis also indicated that majority become Aggressive , irritated & careless
with their work when they feel stressed , therefore it is suggested that organisation
should certainly organise stress relieving workshops or counselling session to deal with
their stress.
CONCLUSION
 CHAPTER IX
CONCLUSION

On the basis of the Study, it is concluded that most of the employees are under stress in the
banking industry. which is impacting their health and well being, stress management should be
done on individual level as well as organisational level. This study sheds light on the vital
importance of stress management for employees within the banks. The findings underline the
need for proactive measures to address and alleviate workplace stress, ultimately enhancing
employee wellbeing and organisational productivity. Implementing target stress management
programmes, fostering a supporting work culture, and providing resources for coping strategies
can contribute significantly to creating a healthier and more productive work environment for
bank employees.
This study depicts that workload, working environment and technical problems and urgent
deadlines are the main cause of stress but sometimes lack of management support, long
working hours also the cause of stress of private bank employees. In private sector banks most
of the employees have stress problems and these causes gives bad impact on employee’s life..
The study also recognized that the health problems of employees are because of stress. In
private sector banks most of the employees suffer headache, mood swings problem, easily
frustrated with anyone and increase or decrease appetite and blood pressure high and low
problem. And this study also depicts the impact of stress on employee’s performance.
This study shows few causes of stress which affects employee’s performance and after this it
show the relationship between stress and employee performance. This study also revealed some
stress management strategies which are very useful to manage stress between employees.
Mostly respondents used some strategies to overcome stress in their life such as meditation and
yoga, individual and group activities, motivational sessions. Some respondent agree with
training and development programs, time management, promotional activities and appreciation
and rewards also helpful to manage stress.
Stress management is particularly important for employees in the banking industry due to the
unique challenges and demands they face stress management is integral to the well-being and
success of bank employees. It helps them navigate the unique challenges of the industry,
maintain high performance, and sustain a positive work environment. Prioritizing stress
management is an investment in both the individual employees and the overall success of the
bank
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