CHAPTER-4

DATA ANALYSIS & INTERPRETATION

 RESPONDENTS PROFILE
Gender
Table no.4.1

Table 4.1 showing that age wise classify of respondents

Options No.of Respondents Percentage

Male 55 90.16
Female 5 9.84
Total 60 100

Diagram no 4.1

Diagram 4.1 showing that age wise classify of respondents

Percentage

100
90
80
70 Percentage
60 90.16
50
40
30
20 9.84
10
0
Male Female

INTERPRETATION

The above diagram shows that 90.16% of respondents are male and 9.84% of
respondents are female.
 Age of person
Table no.4.2

Table 4.2 showing that age limit of respondents.

Options No.of Respondents Percentage

Below 30 53 86.89
30 to 40 4 6.56
41 to 50 2 4.92
51 to 60 0 0.00
Above 60 1 1.64
Total 60 100

Diagram no 4.2

Diagram 4.2 showing that age limit of respondents.

Percentage

Above 60 1.64

51 to 60 0

Percentage
41 to 50 4.92

30 to 40 6.56

Below 30 86.89

0 10 20 30 40 50 60 70 80 90

INTERPRETATION

The above diagram shows that 86.89% of respondents age was below 30,6.56% of
respondents age was 30 to 40,4.92% of respondents age was 41 to 50,0.00% of
respondents age was 51 to 60,1.64% of respondents age was above 60.
 Educational qualification
Table no.4.3

Table 4.3 showing that educational qualification of respondents.

Options No.of Respondents Percentage

Ileterate 2 3.28
School level 6 9.84
Professional 8 13.11
Collage level 43 72.13
Others 1 1.64
Total 60 100

Diagram no 4.3

Diagram 4.3 showing that educational qualification of respondents.

Percentage
1.64 3.28

9.84

Ileterate
School level
13.11
Professional
Collage level
Others

72.13

INTERPRETATION

The above diagram shows that educational qualification of respondents.3.28% of

respondents are illiterate,9.84% of respondents are school level,13.11% of
respondents are professional,72.13% of respondents are college level,1.64% of
respondents are others.
 Occupation
Table no.4.4

Table 4.4 showing that occupation of respondents.

Options No.of Respondents Percentage

Government employee 6 9.84
Private employee 11 18.03
Business 1 1.64
Unemployed 42 68.85
Total 60 100

Diagram no 4.4

Diagram 4.4 showing that occupation of respondents.

Percentage
68.85
70
60
50
40
30 18.03 Percentage
20 9.84
10 1.64
0

INTERPRETATION

The above diagram shows that occupation of respondents.9.84% of respondents are

government employee,18.03% of respondents are private employee,1.64% of
respondents are business,68.85% of respondents are unemploted.
 Marital status
Table no.4.5

Table 4.5 showing that marital status of respondents.

Options No.of Respondents Percentage

Married 11 18.03
Single 49 80.33
Widowed 0 0.00
Seperated 0 0.00
Total 60 100

Diagram no 4.5

Diagram 4.5 showing that marital status of respondents.

Percentage

100%
90%
80%
70%
60% Percentage
18.03 80.33
50%
40%
30%
20%
0 0
10%
0%
Married Single Widowed Seperated

INTERPRETATION

The above diagram shows that marital status of respondents.18.03% of respondents

are married,80.33% of respondents are single,0.00% of respondents are
widowed,0.00% of respondents are separated.
 Annual income
Table no.4.6

Table 4.6 showing that annual income of respondents.

Options No.of Respondents Percentage

Below 100000 44 72.13
100000 to 500000 12 19.68
Above 500000 4 6.56
Total 60 100

Diagram no 4.6

Diagram 4.6 showing that annual income of respondents.

Percentage

6.56
Above 500000

Percentage
19.68
100000 to 500000

72.13
Below 100000

0 10 20 30 40 50 60 70 80

INTERPRETATION

The above diagram shows that annual income of respondents.72.13% of

respondents are below 100000,19.68% of respondents are 100000 to
500000,6.56% of respondents are above 500000.
 Residential status
Table no.4.7

Table 4.7 showing that residential status of respondents.

Options No.of Respondents Percentage

Urban 15 26.83
Rural 45 73.77
Total 60 100

Diagram no 4.7

Diagram 4.7 showing that residential status of respondents.

Percentage

80
70
60
Percentage
50
73.77
40
30
20 26.83

10
0
Urban Rural

INTERPRETATION

The above diagram shows that residential status of respondents.26.83% of

respondents are urban and 73.77% of respondents are rural.

Regular Customer of ATM services

Table no.4.8

Table 4.8 showing that regular customer of ATM services.

Options No.of Respondents Percentage

Yes 37 60.66
No 23 39.34
Total 60 100

Diagram no 4.8

Diagram 4.8 showing that regular customer of ATM services.

Percentage

70

60

50 Percentage
40 60.66

30 39.34
20

10

0
Yes No

INTERPRETATION

The above diagram shows that 60.66% of respondents are regular customer of
ATM services and 39.34% of respondents are not regular customer of ATM
services.

The above diagram shows that 60.66% of the total respondents are regular
customer of ATM services and 39.34% of the total respondents are not regular
customers.

Bank’s ATM you mostly access

Table no.4.9

Table 4.9 showing that Bank’s ATM mostly access respondents.

Options No.of respondents Percentage

SBI 43 72.13
AXIS 5 8.20
ICICI 5 8.20
HDFC 7 11.48
TOTAL 60 100

Diagram no 4.9

Diagram4.9 showing that Bank’s ATM mostly access respondents.

Percentage
8.2 11.48

8.2 SBI
AXIS
ICICI
HDFC

72.13

INTERPRETATION

The above diagram shows that 72.13% of respondents are using SBI,8.20% of
respondents are using ICICI, 8.20% of respondents are using AXIS, 11.48% of
respondents are using HDFC.

Satisfied with ATM services

Table no.4.10

Table 4.10 showing that respondents satisfied with ATM services.

Options No.of respondents percentage

Highly satisfied 12 19.67
Satisfied 30 49.18
Neutral 16 26.23
Dissatisfied 2 3.28
Total 60 100

Diagram no 4.10

Diagram 4.11 showing that respondents satisfied with ATM services.

percentage
3.28 19.67
26.23

Highly satisfied
Satisfied
Neutral
Dissatisfied

49.18

INTERPRETATION

The above diagram shows that 49.18% of respondents are satisfied with ATM
services,19.67% of respondents are highly satisfied with ATM services,26.23% of
respondents are neutral with ATM services,3.28% of respondents are dissatisfied
with ATM services.

Frequent you use ATM services

Table no.4.11

Table 4.10 showing that frequent you use ATM services.

Options No.of respondents Percentage

Daily 5 8.20
Weekly 22 36.07
Monthly 17 27.87
Not frequent 16 26.23
Total 60 100

Diagram no 4.11

Diagram 4.11 showing that frequent you use ATM services.

Percentage
40 36.07
35
30 27.87
25 26.23
20 Percentage

15
8.2
10
5
0
Daily
Weekly
Monthly
Not frequent

INTERPRETTION

The above diagram shows that 8.20% of respondents are using dailyATM
services,36.07% of respondents are using weekly ATM services,27.87% of
respondents are using monthly ATM services,26.23% of respondents are using not
frequent ATM services.

Services you use often

Table no.4.12

Table 4.12 showing that services which respondents use often.

Options No.of respondents Percentage

Withdraw 42 68.85
Mini statement 2 3.28
Balance enquiry 7 11.48
Cash deposit 9 14.75
Total 60 100

Diagram no 4.12

Diagram 4.12 showing that services which respondents use often.

Percentage

14.75

Withdraw
11.48 Mini statement
Balance enquiry
Cash deposit
3.28

68.85

INTERPRETATION

The above diagram shows that 68.85% of respondents are using ATM for
withdraw,3,28% of respondents are using ATM for mini statement,11.48% of
respondents are using ATM for balance enquiry,14.75% of respondents are using
ATM for cash deposit.

Satisfied with existing ATM location

Table no.4.13

Table 4.13 showing that satisfied with existing ATM location.

Options No. of respondents Percentage

Highly satisfied 10 16.39
Satisfied 33 54.10
Dissatisfied 7 11.48
Neutral 10 16.39
Total 60 100

Diagram no 4.13

Diagram 4.13 showing that satisfied with existing ATM location.

Percentage

60 54.1

50

40
Percentage

30

16.39 16.39
20
11.48

10

0
Highly satisfied Satisfied Dissatisfied Neutral

INTERPRETATION

The above diagram shows that 16.39% of respondents are highly satisfied with
ATM location,54.10% of respondents are satisfied with ATM location,11.48% of
respondents are satisfied with ATM location,16.39% of respondents are neutral
with ATM location.

Satisfied with transaction fee

Table no.4.14

Table 4.14 showing that satisfied with transaction fee.

Options No.of respondents Percentage

Highly satisfied 6 8.20
Satisfied 16 26.23
Dissatisfied 22 36.07
Neutral 16 26.23
Total 60 100

Diagram no 4.14

Diagram 4.14 showing that satisfied with transaction fee.

Percentage

Neutral 26.23

Dissatisfied 36.07
Percentage

Satisfied 26.23

Highly satisfied 8.2

0 5 10 15 20 25 30 35 40

INTERPRETATION

The above diagram shows that26.23% of respondents are neutral with transaction
fee,36.07% of respondents are dissatisfied with transaction fee,26.23% of
respondents are satisfied with transaction fee,8.20% of respondents are highly
satisfied with transaction fee

Use ATM card for shopping

Table no.4.15

Table 4.15 showing that using of ATM card for shopping.

Options No.of respondents Percentage

Yes 39 67.21
No 20 32.79
Total 60 100

Diagram no 4.15

Diagram 4.15 showing that using of ATM card for shopping.

Percentage
32.79

Yes
No

67.21

INTERPRETATION

The above diagram shows that 67.21% of respondents are using ATM card for
shopping and 32.79% of respondents are not using ATM card for shopping.

Request any assistance from bank

Table no.4.16

Table 4.16 showing that request any assistance from bank.

Options No.of respondents Percentage

Yes 18 29.51
No 42 70.49
Total 60 100

Diagram no 4.16

Diagram 4.16 showing that request any assistance from bank.

Percentage

70.49
No

Percentage

29.51
Yes

0 10 20 30 40 50 60 70 80

INTERPRETATION

The above diagram shows that 70.49% of respondents are not requesting
assistance from bank and 29.51% of respondents are requesting assistance from
bank.

Type of card you hold

Table no.4.17

Table 4.17 showing that type of card you hold.

Options No.of respondents Percentage

Visa 30 49.18
MasterCard 15 24.59
Rupay 11 18.03
Others 5 8.20
Total 60 100

Diagram no 4.17

Diagram 4.17 showing that type of card you hold.

Percentage
60

49.18
50

40
Percentage
30
24.59

20 18.03

10 8.2

0
Visa MasterCard Rupay Others

INTERPRETATION

The above diagram shows that 49.18% of respondents are holding visa
card,24.59% of respondents are holding mastercard,18.03 of respondents are
holding rupay card,8.20% of respondents are holding other cards.

Use only same bank ATM counters

Table no.4.18
Table 4.18 showing that use only same bank ATM counters.

Options No.of respondents Percentage

Yes 18 31.15
No 42 68.85
Total 60 100

Diagram no 4.18

Diagram 4.18 showing that use only same bank ATM counters.

Percentage

31.15

Yes
No

68.85

INTERPRETATION

The above diagram shows that 31.15% of respondents are using same bank ATM
counters and 68.85% of respondents are not using same bank ATM counters.

Factors affecting choice of ATM

Table no.4.19
Table 4.19 showing that factors affecting choice of ATM.

Options No.of respondents Percentage

Speed 17 27.87
Quality 15 26.23
Online service 19 31.15
Other factors 9 14.75
Total 60 100

Diagram no 4.19

Diagram 4.19 showing that factors affecting choice of ATM.

Percentage
35
31.15
30 27.87
26.23
25

20 Percentage
14.75
15

10

0
Speed Quality Online service Other factors

INTERPRETATION

The above diagram shows that 27.87% of respondents are affected speed of
ATM,26.23% of respondents are affected quality of ATM,31.15% of respondents
are affected online service of ATM,14.15% of respondents are affected other
factors of ATM

How long you been using ATM card

Table no.4.20
Table 4.20 showing that how long you been using ATM card.

Options No.of respondents Percentage

More than 5 years 10 16.39
3 to 5 years 22 36.07
1 to 2 years 20 32.79
Less than 1 year 8 13.11
Total 60 100

Diagram no 4.20

Diagram 4.20 showing that how long you been using ATM card.

Percentage

Less than 1 year 13.11

1 to 2 years 32.79
Percentage

3 to 5 years 36.07

More than 5 years 16.39

0 5 10 15 20 25 30 35 40

INTERPRETATION

The above diagram shows that 13.11% of respondents are using ATM card less
than 1 year,32.79% of respondents are using 1 to 2 years,36.07% of respondents
are using 3 to 5 years,16.39% of respondents are using ATM card more than 5
years.

Times you faced technical problems in ATM

Table no.4.21

Table 4.21 showing that times you faced technical problems in ATM.

Options No.of respondents Percentage

Over 40 times 5 8.20
20 to 40 times 11 18.03
10 to20 times 19 31.15
Less than 10 times 25 42.62
Total 60 100

Diagram no 4.21

Diagram 4.21 showing that times you faced technical problems in ATM.

Percentage
45 42.62
40

35
31.15
30

25 Percentage

20 18.03

15

10 8.2

0
Over 40 times 20 to 40 times 10 to20 times Less than 10 times

INTERPRETATION

The above diagram shows that 8.20% of respondents are faced technical problems
over 40 times,18.03% of respondents are faced 20 to 40 times,31.15% of
respondents are faced 10 to 20 times,42.62% of respondents are faced less than 20
times.

Time to travel to reach near ATM booth

Table no.4.22
Table 4.22 showing that time to travel to reach near ATM booth.

Options No.of respondents Percentage

Less than 5 min 17 27.87
5 to 10 min 27 44.26
10 to 20 min 11 18.03
More than 20 min 5 9.84
Total 60 100

Diagram no 4.22

Diagram 4.21 showing that times you faced technical problems in ATM.

Chart Title

9.84
More than 20 min

18.03
10 to 20 min Percentage

44.26
5 to 10 min

27.87
Less than 5 min

0 5 10 15 20 25 30 35 40 45

INTERPRETATION

The above diagram shows that 27.87% of respondents are less than 5 min to reach
near ATM booth,44.26% of respondents are 5 to 10 min to reach near ATM
booth,18.03% of respondents are 10 to 20 min to reach near ATM booth,9.84% of
respondents are more than 20 min to reach near ATM booth.

How long you wait in a queue to use ATM

Table no.4.23

Table 4.23 showing that how long you wait in a queue to use ATM.

Options No.of respondents Percentage

Less than 5 min 30 50.82
5 to 10 min 24 39.34
More than 10 min 6 9.84
Total 60 100

Diagram no 4.23

Diagram 4.23 showing that that how long you wait in a queue to use ATM.

Percentage

More than 10 min 9.84

Percentage
5 to 10 min 39.34

Less than 5 min 50.82

0 10 20 30 40 50 60

INTERPRETATION

The above diagram shows that 9.84% of respondents are more than 10 min wait in
a queue to use ATM,39.94% of respondents are5 to 10 min wait in a queue to use
ATM,50.82% of respondents are less than 5 min wait in a queue to use ATM.

How often you use ATM

Table no.4.24
Table 4.24 showing that how often you use ATM.

Options No.of respondents Percentage

Several time in a week 17 29.51
Once in a week 18 29.51
Twice a month 25 40.98
Total 60 100

Diagram no 4.24

Diagram 4.24 showing that how often you use ATM.

Percentage

29.51
Several time in a week
40.98 Once in a week
Twice a month

29.51

INTERPRETATION

The above diagram shows that 29.51% of respondents are using ATM several time
in a week,29.51% of respondents are using ATM once in a week,40.98% of
respondents are using ATM twice a month.

Aware of services offered by ATM

Table no.4.25
Table 4.25 showing that aware of services offerd by ATM.

Options No.of respondents Percentage

Aware 34 55.74
Unaware 26 44.26
Total 60 100

Diagram no 4.25

Diagram 4.25 showing that aware of services offerd by ATM.

Percentage

44.26
Unaware

Percentage

55.74
Aware

0 10 20 30 40 50 60

INTERPRETATION

The above diagram shows that 44.26% of respondents are unaware about services
offered by ATM and 55.74% of respondents are aware about services offered by
ATM

Bank providing parking facility

Table no.4.26
Table 4.26 showing that bank providing parking facility.

Options No.of respondents Percentage

Yes 36 59.02
No 24 40.98
Total 60 100

Diagram no 4.26

Diagram 4.26 showing that bank providing parking facility.

Percentage

60

50
Percentage
40
59.02
30 40.98

20

10

0
Yes No

INTERPRETATION

The above diagram shows that 59.02% of respondents banks are providing parking
facility and 40.98% of respondents banks are not providing parking facility.

Rate your ATM card system

Table no.4.27
Table 4.27 showing that rate your ATM card system.

Options No.of respondents Percentage

Excellent 16 26.23
Good 28 45.90
Average 15 24.59
Poor 1 3.28
Total 60 100

Diagram no 4.27

Diagram 4.27 showing that rate your ATM card system.

Percentage
3.28 26.23
24.59

Excellent
Good
Average
Poor

45.9

INTERPRETATION

The above diagram shows that 26.23% of respondents are rated ATM card
excellent,45.90% of respondents are rated ATM card good,24.59% of respondents
are rated ATM card average,3.28% of respondents are rated ATM card poor