Acknowledgement

This research work owes its completion to the sincere co-operation extended to me by
my well wishers. I appreciate and acknowledge those who are responsible for the
successful completion of the study. First and foremost I thank God for his blessings in
making this possible.

I would like to express my heartiest gratitude to my research supervisor

Dr. (Ms) Kesari Singh, Associate Professor in Faculty of Management Sciences and
Liberal Arts of Shoolini University of Management Sciences and Liberal Arts, who
had been a source of motivation all through this journey. Without her unconditional
supervision, recommendations, constant encouragement and productive criticism, this
work would have been very difficult. I would also like to thank Prof. P.K. Khosla,
Vice Chancellor, Shoolini University and Prof. Atul Khosla, Pro-Vice Chancellor cum
Dean Faculty of Management Sciences and Liberal Arts, Shoolini University, for
providing me an opportunity to pursue my research from this esteemed university and
constantly encouraging and supporting by providing necessary academic help
required during this period.

Words are not enough to express my sincere thanks to Prof. Y.S. Negi, Professor,
Faculty of Management Sciences and Liberal Arts, Shoolini University of
Biotechnology and Management Sciences for his valuable suggestions and
encouragement extended for the completion of this research work. I express my
sincere thanks to Dr. R.K. Shukla for helping me doing the analysis and encouraging
me to complete my work. My thanks are also due to all the faculty members of faculty
of management sciences and liberal arts for extending their help whenever required
during the research work.

I am grateful to the branch managers of the sample banks for their help and also
would like to thank all the respondents who co-operated with me during the course of
data collection. I would also like to thank my friends, Mr. Mohit Sehgal and Mr.
Shivendra Krishan Gupta for the help extended by them during the course of my
study.

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Last but not the least I am greatly indebted to my parents, my brother and other
family members, especially my father who passed away during the course of this work
after laying inspiration for all my academic pursuits.

(Nitin Gupta)

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