Rahul kumar sahu (1101)

Harshvardhan sahi(1074)
Ram shrivastava(1017)
Rahul kumar mishra (1073)

A bank can be defined as an institution
that accepts deposits and pools those funds to
provide credit, either directly by lending, or indirectly
by investing through the capital markets.

In lay mans voice bank can be defined as a place wherein
keeping cash is safe as well as profitable and also that gives
quite a lot of services to the customers.

Savings and current a/c
Loans and advances
Cheques and drafts
Fixed deposits
Card facilities
Mobile banking and net banking
Consultancy services
Locker facility


Our area of work is defined from Firayalal chowk to Sujata
chowk.

The area has plenty of nationalized banks like bank of india,
allahabad bank, canara bank, ICICI bank, state bank of india,
axis bank, IDBI bank etc.

Also the area has a lot many number of customers belonging
to business class which help build the customer base for the
banks

Our method of study was as follows :-

1) General market survey to enquire about the customer
type, number, their behaviour, and also about the banks and
their services.

2) Personal interview from the proprietors of the
organisation to know about their actual satisfaction from
the banking services being provided to them.

3) Questionnaires

Analysis of the questionnaire
The customers are using the basic banking services
very widely.
Being an area governed by business class
customers are having a lot of current account.
Time taken by the withdrawal counter was a bit on
a higher side.
Long and tough procedure for loans.
Lesser RTGS/NEFT facility.
Clearance issue.
Services expected by customers
A gentle behaviour of staff.
Providing quick services.
Providing requisite information to customers and
guiding members of public.
Making rules and regulations simple and
understandable.
Making small loan documents and procedure
simple and fast moving.
Starting counters in time and extending services
right upto closing time.
Suggestions and conclusion
Officers and employees need to put in more effort and
time in their work.

A proper complaint redrressal system has to be there.

Particular help desk in each and every branch.

A proper distribution network of cash to help ATMs
open for 24*7.
Contd..



Creating awareness among the customers about the new
uses of banks like RTGS/NEFT, internet and mobile
banking.

Regular training programme for employees to update
their knowledge and skills to work effectively.

Thank you!