A DISSERTATION REPORT

ON
“ANALYSIS OF HIGH FOOTFALL BRANCHES AND
DIGITAL SOLUTIONS FOR DE-CROWDING OF THE
BRANCHES OF SBI IN BHUBANESWAR”

Prepared By:
Mr. Subham Subhasish Jena
Enrollment No: 21DM034
Batch: 2021-2023

Under the Supervision of

Faculty Guide:
Prof. Dr. Surya Dev
Prof. in finance
IMIS, BBSR

As a Partial Fulfilment of PGDM Program of

Institute of Management and Information Science

Bhubaneswar, Odisha
 CONTENT
 Declaration
 Acknowledgement
 Chapter-1
 Introduction
o Problem statement
o Objectives
o Limitation
 Chapter-2
 Introduction to Banking Industry
o Introduction
o Banking System in India
o Structure of bank
o Analysis of bank for the development
 Chapter-3
 Introduction to the SBI
o Introduction
o SWOT analysis
 Chapter-4
o Research methodology
o Data interpretation

 Chapter-5
o Findings
o Suggestion
o Conclusion
o Bibliography
o APPENDIX
 DECLARATION

I hereby declare that the dissertation Project undertaken by me

at State Bank of India under the guidance of Dr. Surya Dev
(IMIS,BBSR), is an independent work. The report is towards
the partial fulfilment of the Post Graduate Diploma In
Management course of Institute of Management and
Information Science (IMIS),BBSR for the batch of 2021-
2023.

Bhubaneswar Subham Subhasish Jena

Date: Roll no:21DM034
 ACKNOWLEDGEMENT

I express my appreciation and thanks to all those with whom I have had the opportunity to
work and whose thoughts and insights have helped me in furthering my knowledge and
understanding of the subject.
Every page of this report reminds me about the moral support and guidance that was
bestowed upon me by esteemed Guide, professors, friends and family members throughout
the duration of the project.

I would also like to express my thanks to my project guide Dr. Surya Dev of Institute of
Management & Information Science (IMIS) for guiding me throughout the project.
I am thankful to all who directly or indirectly helped me and encouraged me in completing
the project.
 EXECUTIVE SUMMARY
A Study on the factors increasing the footfalls in branches of SBI in urban areas
even many facilities are provided to the customers. An Analysis on high
footfalls in branches of SBI was made by Subham Subhasish Jena from Institute
of Management and Information Science.
An analysis was made by observation method and questionnaire method as well.
The observation was done by visiting a sum of 17 SBI Branches in the Urban
area of Bhubaneswar and Cuttack. For the questionnaire method responses were
taken from the peoples from both outside and inside of the branches. A proper
question format was prepared and distributed among the respondents and some
responses were taken through google forms. Total 163 Responses were
collected from the SBI Account holders only.
The analysis state that the footfalls of the branches are growing up due to
several reasons like those people who don’t know how to operate the online
banking and a smart phone as well, people having some bad experience with
online banking (fraud cases), peoples with low trust factors etc.
However, the solutions for de-crowding were concerns SBI has a various kind
of online and offline awareness policy and the awareness programs were going
in the right direction but we have to add little bit of more effort and we should
try to bring the old peoples to new era of online solutions of banking.
 CHAPTER-1
INTRODUCTION
 INTRODUCTION
A bank is a Financial Institution that accepts deposits from the public and
creates a demand deposit while simultaneously making loans. Bank is for the
customers but if it acquires the crowd then that also become a problem for that
bank. That customer crowding was known as the footfall (no of peoples visit in
a particular time frame). Footfall has a great impact on the business of that
institution but it has also negative impact that employees are being disturbed at
the mean time which can make a negative implication towards the productivity
of that institution.

PROBLEM STATEMENT:
To analyse the High Footfall in the SBI branches of urban areas like
Bhubaneswar and Cuttack.

OBJECTIVES:
 To study about Footfall of branches of SBI.
 To analyse the Footfalls and select the high footfall branches of SBI.
 To find out ways of De-crowding those High Footfall Branches of
SBI.

LIMITATION OF STUDY:

 The study on the project topic was conducted within the branches of
Bhubaneswar and Cuttack.
 CHAPTER- 2
INTRODUCTION TO BANKING
INDUSTRY
INTRODUCTION
A bank is a Financial Institution that accepts deposits from the public and
creates a demand deposit while simultaneously making loans.

BANKING SYSTEM IN INDIA

 The banking system plays an important role in promoting economic

growth not only by channellings savings into investments but also by
improving allocative efficiency of resources. The recent empirical
evidence, in fact, suggests that banking system contributes to economic
growth more by improving the allocative efficiency of resources than by
channelling of resources from savers to investors. An efficient banking
system is now regarded as a necessary pre-condition for growth.
 The banking system of India consists of the Central bank (Reserve Bank of
India-RBI), commercial banks, cooperative banks and development banks
(development finance institutions). These institutions, which provide a
meeting ground for the savers and the investors, form the core of India’s
financial sector. Through mobilization of resources and their better
allocation, banks play an important role in the development process
of under developing countries.
 According to the Indian Banking Company Act 1949, “A banking
company means any company which transacts the business of banking.
Banking means accepting for the purpose of lending or investment, of
deposits of money from the public, repayable on demand or withdraw by
cheque, draft.” This definition throws light on the three major functions
of a bank. They are:

1. Accepting of deposits and lending loans

2. Issue and pay cheques
3. Collect cheques on behalf of the customers
STRUCTURE OF BANKS:

Reserve Bank of India:

Reserve Bank of India is the Central Bank of our country. It was established on
1st April 1935 under the RBI Act of 1934. It holds the apex position in the
banking structure. RBI performs various developmental and promotional
functions. It has given wide powers to supervise and control the banking
structure. It occupies the pivotal position in the monetary and banking structure
of the country. They have the authority to formulate and implement monetary
and credit policies. It is owned by the government of a country and has the
monopoly power of issuing notes.

Scheduled Bank:
A bank is said to be a scheduled bank when it has a paid-up capital and reserves
as per the prescription of RBI and included in the second schedule of RBI Act
1934.

Non-Scheduled Bank:

Non-scheduled bank are those commercial banks, which are not included in the
second schedule of RBI Act 1934.

Commercial Banks:

Commercial bank is an institution that accepts deposit, makes business loans

and offer related services to various like accepting deposits and lending loans
and advances to general customers and business man.

These institutions run to make profit. They cater to the financial requirements of
industries and various sectors like agriculture, rural development, etc. it is a
profit-making institution owned by government or private of both.
Commercial bank includes public sector, private
sector, foreign banks and regional rural banks:
a. Public sector banks:
It includes SBI, 12 public sector banks,21 private sector banks,12 small finance
banks ,6 payment banks and 43 Regional Rural banks. State Bank of India is the
largest commercial bank in terms of volume of all commercial banks.

b. Private sector banks:

Private sector banks are those whose equity is held by private shareholders. For
example, ICICI, HDFC etc. Private sector bank plays a major role in the
development of Indian banking industry.

c. Foreign Banks:
Foreign banks are those banks, which have their head offices abroad. CITI
bank, HSBC, Standard Chartered etc. are the examples of foreign bank in India.

d. Regional Rural Bank (RRB):

These are state sponsored regional rural oriented banks. They provide credit for
agricultural and rural development. The main objective of RRB is to develop
rural economy. Their borrowers include small and marginal farmers,
agricultural labourers, artisans etc. NABARD holds the apex position in the
agricultural and rural development.

Co-operative Bank:

Co-operative bank was set up by passing a co-operative act in 1904. They are
organised and managed on the principal of co-operation and mutual help. The
main objective of co-operative bank is to provide rural credit.

The cooperative banks in India play an important role even today in rural co-
operative financing. The enactment of Co-operative Credit Societies Act, 1904,
however, gave the real impetus to the movement. The Cooperative Credit
Societies Act, 1904 was amended in 1912, with a view to broad basing it to
enable organisation of non-credit societies.
ANALYSIS OF BANK FOR THE
DEVELOPMENT:

The banking sector is also taken as a proxy for the economy as a whole.
The performance of bank should therefore, reflect “Trends in the Indian
Economy”. Due to the reforms in the financial sector, banking industry
has changed drastically with the opportunities to the work with, new
accounting standards new entrants and information technology. The
deregulation of the interest rate, participation of banks in project
financing has changed in the environment of banks. The performance of
banking industry is done through analysis. It mainly helps to know the
strengths and Weakness of the industry and to improve will be known
through converting the opportunities into strengths. It also helps for the
competitive environment among the banks.
2.1.1 STRENGTHS:
 Greater securities of Funds: Compared to other investment
options banks since its inception has been a better avenue in terms of
securities. Due to satisfactory implementation of RBI’s prudential norms
banks have won public confidence over several years.

 Banking network: After nationalization, banks have expanded

their branches in the country, which has helped banks build large
networks in the rural and urban areas. Private banks are allowed to
operate but they mainly concentrate in metropolis.

 Large Customer Base: This is mainly attributed to the large

network of the banking sector. Depositors in rural areas prefer banks
because of the failure of the NBFCs.

 Low Cost of Capital: Corporate prefers borrowing money from

banks because of low cost of capital. Middle income people who want
money for personal financing can look to banks as they offer at very
low rates of interests. Consumer credit forms the major source of
financing by banks.

2.1.2 WEAKNESS:

 Priority Sector Lending: To uplift the society, priority sector

lending was brought in during nationalization. This is good for the
economy but banks have failed to manage the asset quality and their
intensions were more towards fulfilling government norms. As a
result, lending was done for non-productive purposes.

 High Non-Performing Assets: Non-Performing Assets (NPAs)

have become a matter of concern in the banking industry. This is
because reduced to meet the international standards of change in the
total outstanding advances, which has to be reduced to meet the
international standards.
2.1.3 OPPORTUNITIES:

 Universal Banking: Banks have moved along the value chain to

provide their customers more products and services. Like home
finance, Capital Markets, Bonds etc. Every Indian bank has an
opportunity to become universal bank, which provides every financial
service under one roof.

 Differential Interest Rates: As RBI control over bank reduces,

they will have greater flexibility to fix their own interest rates which
depends on the profitability of the banks.

 High Household Savings: Household savings has been

increasing drastically. Investment in financial assets has also
increased. Banks should use this opportunity for raising funds.

 Untapped Foreign Markets: Many Indian banks have not

sufficiently penetrated in foreign markets to generate satisfactory
business therefore, it can be concluded clear opportunity exists in such
markets.
 Internet Banking: The advance in information technology has
made banking easier. Business can effectively carried out through
internet banking.

2.1.4 THREATS:

 NBFCs, Capital Markets and Mutual funds : There is a

huge investment of household savings. The investments in NBFCs
deposits, Capital Market Instruments and Mutual Funds are
increasing. Normally these instruments offer better return to investors.

 Changes in the Government Policy: The change in the

government policy has proved to be a threat to the banking sector. Due
to some major changes in policies related to deposits mobilization
credit deployment, interest rates- the whole scenario of banking
industry may change.

 Inflation: The interest rates go down with a fall in inflation. Thus,

the investors will shift his investments to the other profitable sectors.
  Recession: Due to the recession in the business cycle the economy functions
poorly and this has proved to be a threat to the banking sector. The market-
oriented economy and globalization has resulted into competition for market
share. The spread in the banking sector is very narrow. To meet the competition
the banks, have to grow at a faster rate and reduce the overheads. They can
introduce the new products and develop the existing services.
 CHAPTER- 3

INTRODUCTION TO THE STATE

BANK OF INDIA
 INTRODUCTION

 State Bank of India (SBI) is an Indian 

public sector banking and financial services statutory body having
headquarter in Mumbai, Maharashtra. SBI is the 2nd largest public sector
bank in india. Ranked 221st in the Fortune Global 500 list of the world's
biggest corporations of 2021.

 The bank descends from the Bank of Calcutta, founded in 1806 via

the Imperial Bank of India, making it the oldest commercial bank in
the Indian Subcontinent. The Bank of Madras merged into the other two
presidency banks in British India, the Bank of Calcutta and the Bank of
Bombay, to form the Imperial Bank of India. The Government of India took
control of the Imperial Bank of India in 1955, with Reserve Bank of
India (India's central bank) taking a 60% stake, renaming it State Bank of
India.

 The Bank is India’s largest commercial Bank in terms of assets, deposits,

branches, number of customers and employees, enjoying the continuing faith
of millions of customers across the social spectrum.

 The State Bank of India is India's largest commercial bank. The bank has
been striving sincerely to adhere to the efforts of providing utmost customer
satisfaction to the best possible extent. The SBI has presence all over India
with 24,000 branches. Not only this, the bank has made its roots secured
internationally as well. At present, SBI has 190 branches in 35 countries all
over the world.

Structure of SBI Local head office ,Bhubaneswar :

 Local head office of the SBI situated at the Bhubaneswar and it is the
head office of all SBI branches in Odisha.
 It has control over total 885 Branches among which 533 are Rural
Banks,184 are semi-urban & 168 are urban branches.
  From the 885 Rural branches 292 are mainly high Footfall Branches,
in case of Semi-urban mainly 72 out of 184 are footfall acquiring
branches.
 In case of urban area out of 168 only 52 branches have the High
Footfall.

LOCAL HEAD OFFICE ,BHUBANESWAR

NETWORK-1 NETWORK-2

ADMINISTRATIVE ADMINSTRATIVE
OFFICE,BBSR-1 OFFICE,BBSR-2 ADMINISTRATIVE ADMINSTRATIVE
OFFICE,BRAHMAPUR OFFICE,SAMBALPUR
(BHUBANESWAR) (BALESWOR)

REGIONREGIONAL REGIONREGIONAL REGIONREGIONAL REGIONREGIONAL

BUSINESS OFFICE BUSINESS OFFICE BUSINESS OFFICE BUSINESS OFFICE
OFFOCEAL BANK OFFOCEAL BANK OFFOCEAL BANK OFFOCEAL BANK

SWOT Analysis of State Bank of India:

SWOT Analysis of SBI – SWOT Analysis of State

 Anugul Jeypur  Rourkela
Bank of India focuses on
 Bhubaneswar  Berhampur  Sambalpur
(S) Strengths, (W) Weakness, (O) Opportunities, and (T) Threats. Internal
 Cuttack
 Baleshwar
 Keounjhar  Raygada  Jharsuguda
Factors
 Puri in the SWOT Analysis are Strengths and Weaknesses and External
Bhabanipatana  Balangiri
 Jajpur road
Factors in
 Khurda the SWOT Analysis are Opportunities and Threats.
 Phulbani  Baraghad
 Baripada
 jagatsinghpur
SWOT Analysis is a proven management tool thataska helps organizations such as
State Bank of India (SBI) to assess the market of SBI and its success against
rival companies. State Bank of India (SBI) has been one of the leading
Stationery companies.
Above diagram is the structure of branches under LHO,BBSR.
Strength:

 SBI is India’s biggest bank in terms of market share, sales, and

reserves.
 SBI has been ranked as 221st in the Fortune Global 500 list.
 According to recent reports, the bank has more than 24000
branches and 62617 ATM’s in India.
 The bank is active in 36 countries involved in currency traders
around the world.
 SBI has the first-mover edge of commercial banking facilities.
 SBI recently updated its vision and mission statements indicating
an indication of inclination towards new-age banking services.
 State Bank of India has a huge employee base of 245,642
employees.
 SBI has revenue of ₹300,972 crore (US$38 billion).
 The owner of the State Bank of India is the Government of India.
 SBI has many subisidaries:
 SBI Cards
 SBI Life Insurance

Weaknesses:

 Employees Attitude: Due to having a secured government job most of the

employees don’t have a good attitude towards the consumers.
  Technology: The lack of adequate technology-driven infrastructure relative to
private banks.
 Efficiency: Employees are hesitant to fix issues efficiently due to better job
stability.
 Hesitation to Innovate: Despite the modernization, the bank still conveys the
perception of the traditional bank to new-age clients.
 No. of Employees: SBI has the largest number of employees in the banking
sector, which is why the bank spends a considerable amount of its income on
employees’ salaries.

Opportunities :

Opportunities are potential areas of focus for a company to improve results, increase
sales, and, ultimately, profit.
 Youth Hiring: Pool in talent to replace top management to serve the next
generation and bring about innovation. This will also enable driving the latest
innovation into the company.
 Improvement: SBI can make better use of the CRM, new technology, and the
online space to increase its banking business.
 Rural Areas: Expansion into the rural areas will also boost its business to a
new level.
 Cashless: With a focus on India going cashless, the bank that supports
cashless features by evolving its methods and technology can dominate the
market with its extensive reach.
 Foreign Market: Expanding its business in the foreign market also holds a
huge scope of growth for SBI.

Threats :

 Net profit of the year decreased from 9166.05 Cr.in the year 2010
to Rs 6,504 Cr.in the year 2021.
 Private Banks: Consolidation among private banks can reduce market share
for SBI by a huge margin.
 Changing Policies: Banking policies are governed by Reserve SBI  (RBI)
laws and regulations, therefore any changes made by the RBI have a direct
impact on the bank’s operations.
 Foreign Banks: Foreign banks that have sophisticated products can fully
affect the old strategy of SBI.
 Government: SBI operations are often disrupted by slow government
decisions and red-tapism.
 Competitors CRM:- Competitors with good CRM systems are a threat to the
SBI
 Chapter-4
Research methodology
&
Data Interpretation
METHODOLOGY:

Methodology is the systematic, theoretical analysis of the methods applied to a

field of study. Project or research study methodology gives a clear picture of
suitable classification and sequence of different stage of study as to arrive at
proper manifestation of the objective, scope and limitation of the study.
Basically, here I have done exploratory research. Like here I have regularly visit
branches of SBI in urban area of Bhubaneswar to observe the footfall strength
of that branch and also personally interacted with some of the senior managers
about the footfall of that particular branch. Then I prepared a questionnaire and
made a survey to know whether the customers were aware about the digital
mode of banking or not.

Population:
Population includes existing customers of SBI in BBSR and The sample size
was 163 customers of SBI .

Source of data :
Primary data:
The primary data are those which are collected a fresh and for the first time,
and thus happened to be original in character.
For the study: Questionnaire method is used for collecting the data while
conducting the research. And the survey has been done through telephonic
mode.
Secondary data:
The secondary data are those which have already been collected by someone
and which have already been passed through the statistical process. Secondary
data may either published data or un-published data.
For thus study secondary data was collected from the following source.
Books related to banking
SBI website.
Data Interpretation :
Analysis of data is a process of inspecting, cleaning, transforming and modeling data with a
goal of highlighting useful information, suggesting, conclusion and supporting decision
making. The analysis of data requires a number of closely related operations such as
establishment of category, the application of these categories to raw data through coding,
tabulation and then drawing statistical inferences. In brief, the researcher can analyse the
collected data with the help of the various statistical measures.
The observation method and questionnaire are used as the research instrument and to
interpret statistical tool like bar graphs and pie chart are used.
AGE OF RESPONDENT:
 AGE NO OF RESPONDENT
Below18 5
18-25 77
25-40 62
Above 40 19

AGE OF RESPONDENT
Above 40 Below18
12% 3%

Below18
18-25
25-40
18-25 Above 40
47%
25-40
38%

Interpretation:
From the pie chart we can see that from163 respondent 77 peoples are from the
age group of 18-25 age group and only 62 peoples are under 25-40 age group
which means that youngsters are lying more towards digital mode of banking .
HOW FREQUENTLY PEOPLES VISIT BANKS:

Interpretation:
Here from the graph we can see that 44% peoples are going to bank once in a
month that means most of the population they use the online banking system
and those who were visiting bank repeatedly they are old peoples and they don’t
know how to operate the smart phones and the online banking as well.

HOW LONGER YOU STAY INSIDE THE BRANCH :

Interpretation:
From the chart we can see that 43.3% peoples are stay for 30-40mints which is
due to the system failure and the high footfalls inside the branch ,followed by
38.3% of peoples stay foe only 15 mints who were comes for only the cash
transaction but rest of the peoples are wait inside the bank for the loan and other
business related issues.
TIME CONVINIENCE:

Interpretation:
From the graph we can see that 76.7% peoples are saying that within the time
period of their visit there problem got solved and that is very small time period
i:e 10-15 min along that 23.3% peoples are denying that their problem were not
getting solved during visiting times.

REASON OF VISITING BANK:

VISIT BANK FOR WHICH REASON

Other Bankinng Services 59.495

Investment Purpose 27.71

Fixed Deposit 36.023

Cash Credit 24.124

Loan purpose 45.314

CASH DEPOSIT/WITHDRAWL 114.915

0 20 40 60 80 100 120

Interpretation:
From the bar diagram we can see that peoples are mostly visit bank for the cash
deposit/withdraw followed by the other banking services like cheque drops etc.
Followed by loan purchase then fixed deposit and invest and cash credit
purpose.

INTERNET BABKING AWARENESS:

Interpretation:
From the chart it is clear that 83.6% peoples are welly known about internet
banking and other 16% are the old people or the peoples of backward classes
who don’t know how to operate the smart phones even.

Interpretation
From that chart 72.1% peoples are says that they know as well as use the
internet banking provided by the SBI and rest peoples have faith issue on the
digital part due to the cyber crime like things.
FACTORS WHICH INFLUENCE YOU TO ADOPT THE DIGITAL
BANKING :

Interpretation:
From the chart we can see that 63% peoples are adopted the digital mode of
banking due to their frind circle and 32% says that they became to know about
the digital mode by the SBI employee rest 22% are know that due to Awareness
camps.

HOW DO YOU BANK:

Interpretation:
From the chart we can see that most of the peoples are using online banking i:e
60% of the total respondent and only 33.3% are banking through the banking
persons.
DO YOU THINK INTERNET BANKING MAKES LIFE
EASIER:

Interpretation:
From the survey we comes to know that 91.7%people says that internet banking
makes the life easier. only 8.3% peoples says no due to the fearness of cyber
crime.

DO YOU THINK DIGITAL MODE OF BANKING

SHOULD CONSUME LESS TIME:

DO YOU THINK DIGITAL MODE OF BANKING

SHOULD CONSUME LESS TIME  ?
80 73
70
60 49
50
40
30 23
14
20
4
10
0
STRONGLY DISAGREE NEUTRAL AGREE STRONGLY AGREE
DISAGREE

Interpretation:
The above bar diagram was done by using liner scale which have values (like 1-
Strongly Disagree,2-Disagree,3-Neutral,4-Agree,5-Strongly Agree) from that
graph we can see that peoples are agree and strongly agree with that time
consumption of digital banking is very less than the real time banking by going
bank.

DO YOU THINK THAT E PAYMENT SYSTEMS ARE

BETTER THAN CASH :

DO YOU THINK THAT E PAYMENT SYSTEMS

ARE BETTER THAN CASH?
70
63
60 54

50

40

30
21 21
20

10 4

0
STRONGLY DISAGREE NEUTRAL AGREE STRONGLY AGREE
DISAGREE

Interpretation:
The above bar diagram was done by using liner scale which have values like (1-
Strongly Disagree,2-Disagree,3-Neutral,4-Agree,5-Strongly Agree) from that
graph we can see that peoples are agree and strongly agree with that E payment
was far better than the Cash Transaction.
DO you think visit bank is like Hassle free :

DO you think visit bank is like Hassall free... 

70 68

60

50

40
29
30 26
21
19
20

10

0
STRONGLY DISAGREE NEUTRAL AGREE STRONGLY AGREE
DISAGREE

Interpretation:
The above bar diagram was done by using liner scale which have values like (1-
Strongly agree, 2-agree,3-Neutral,4-Dis Agree,5-Strongly Disagree) from that
graph we can that many people says that going to bank was not hassle free but
how ever 15.3% peoples are being Neutral for that context and only 29.4%
people says that going bank was hassle free.
 Chapter-5
Findings, Suggestion,
Conclusion
 FINDINGS
The following findings are based on observation during the study.
 From the observation survey we can draw the conclusion that mainly senior citizen
like illiterate customer, business people for cash credit and loan purpose are main
cause of increasing footfalls in the branches.
 In some areas the peoples are found of going banks for daily saving habits basically
some small business venders &some daily labour who have less knowledge about the
internet banking.
Some observations from the questionnaire survey are written below :
 It is found that mostly people of age group 18-35 age group are using the online
banking methods followed by age group of 25-40.
 Peoples are going to bank mostly once in a month or twice in a month.
 Now a time peoples are spending less time in the banks i:e 15-25 mints. Followed by
30-40 mints.
 It is seems to be problems are solved during that visiting times of the peoples.
 In the current scenario peoples are visit banks foe various reason ,mostly they are
visiting bank for cash deposit/withdrawal followed by cheque drops, fixed deposit,
loan purpose.
 The awareness for the internet banking was really on the peak i:e up to 90%.
 Using of the internet banking is up to 80%.
 Mainly the Friend circle and the employee advice makes the people mora educated
about adaptation of digital mode of banking.
 Peoples are now a time mora preferring the digital mode for banking than banking in
person .
 peoples are agree and strongly agree with that time consumption of digital banking is
very less than the real time banking by going bank.
 peoples are agree and strongly agree with that E payment was far better than the Cash
Transaction.
 many people says that going to bank was not hassle free but how ever 23.3% peoples
are being Neutral foe that context and only 16% people says that going bank was
hassle free.
 SUGGESTION

 AS we are found that the main cause of increasing footfalls were the
peoples of lower financial profile and old age peoples bank should give
more focus on the door to door campaign for the illiterate peoples.
 Bank should develop scheme for the old age peoples specially those who
were living far from their children.
 Also we have to enhance the speed of the awareness campaign which
may give mora productive result.
 Bank should adopt the push sell method to push more people towards
internet banking.
 CONCLUSION
Working as a Summer Intern for STATE BANK OF INDIA has been a very
fruitful and enlightening experience that helped me face the practical working
scenarios of the banking world. Also, in my training period I have got a clear
idea that SBI should put more effort towards enhancement of awareness of
online banking facilities. Based on my 7-week training as an intern, I realized
that I was successful to gather a lot of significant learning experiences which
would be helpful in my future career. State bank of India offered me ample
space and opportunities, not only to learn but also to exhibit my skills as the
company representative. My contributions were well recognized by the
organization. I successfully completed all the assigned duties and handed them
over to My mentor at the end of the internship with the best of my knowledge.
 BIBLIOGRAPHY

https://www.onlinesbi.sbi/

https://sbi.co.in/web/international-banking/banking/retail-banking

https://en.wikipedia.org/wiki/Banking_in_India#:~:text=Modern%20banking
%20in%20India%20originated,1786%20but%20failed%20in%201791.

https://www.rbi.org.in/

https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=54372

https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx
 APPENDIX

QUESTIONNAIRE
I Subham Subhasish Jena, student of Institute of management &
information science, doing a project on “Analysis of High footfall branches and
Digital Solutions for de-crowding of the branches ” and this questionnaire is a
part of used only for academic purposes and strictly confidential .

Questionnaire:
1.Name:

2.Age
 Below18
 18-25
 25-40
 Above 40
3. DO YOU HAVE A ACCOUNT IN SBI ?
 Yes
 No
4. How frequently you visit to bank ?
 Twice in a week
 Once in a month
 Once in a week
 Twice in a month
5. reason for Visit branch  ?
 Cash deposit/withdrawal
 Loan purpose
 Cash Credit
 Fixed Deposit
 Investment Purpose
 Other banking services

6. How longer you stay inside the branch  ?

 15-25 mins
 30-40 mins
  1hr
 More than 1hr
7. Whether your problems are got solved or not  within above time period ?
 Yes
 NO
8. Do you aware of Internet banking  ?
 Yes
 NO
9. Do you Use internet banking  ?
 Yes
 NO
10. Factors which will motivate you to adopt digital banking.?
 Awareness campus
 Proper guide lines from employee
 Advice from friend circle
 Others
12. IF no then what are the cause for not using the internet banking ?
 Concerned about security
 Don’t get on technology
 Don’t know how to use
13.what do you prefer for banking transaction ?
 Visit branch
 Telephone banking
 Online banking
 Mobile banking
14. Do you think internet banking makes your life easier ?
 YES
 NO
15. Do you think digital mode of banking consume less time  ?
1. Strongly disagree
2. Disagree
3. Neutral
4. Agree
5. Strongly agree
16. Do you think that e payment systems are better than cash?
6. Strongly disagree
7. Disagree
8. Neutral
9. Agree
10. Strongly agree

17. DO you think visit bank is like Hassall free...? 

11. Strongly disagree
12. Disagree
13. Neutral
14. Agree
15. Strongly agree

*******