Dr.

Alok Kumar Chakrawal

Professor

Department of Commerce & Business Administration,

Saurashtra University,

Rajkot – 360 005, Gujarat, [India]

CERTIFICATE FROM THE GUIDE

This is to certify that the dissertation entitled, “An Analytical study of

Productivity of Banking Industry in India: A Comparative Study of Public Sector

Banks and Private Sector Banks” submitted by Mr. Vipul G. Rakholiya for the award

of Ph.D. degree in the faculty of Commerce is based on the Research work carried out

by him under my guidance and supervision during the period of his research at

the Department of Commerce . To the best of my knowledge and beliefs, it has not

been submitted for the award of any degree or diploma.

Place: Rajkot Signature of Guide

Date: (Dr. Alok Kumar Chakrawal)

 CERTIFICATE OF PRE-PH. D. PRESENTATION

This is to certify that Mr. Vipul G. Rakholiya has made Pre-Ph. D. Presentation as

per UGC Guide Line “University Grant Commission (Minimum Standard and Procedure

for award of Ph. D. Degree) Regulation -2009 and Saurashtra University Ordinance for

Ph.D. Programme (O. Ph.D. 6.2), on the research work entitled, “An Analytical Study of

Productivity of Banking Industry in India: A Comparative Study of Public Sector Banks

and Private Sector Banks” in the Department of Commerce and Business

Administration on 15th January, 2013 before all the faculty members and students of the

Department for getting feedback and comments.

I also certify that the Research work was appreciated by all who remain present

and there was no comments made for this Research work.

Place: Rajkot

Date:

Dr. Alok Kumar Chakrawal

Professor

Department of Commerce &

Business Administration,

Saurashtra University,

Rajkot