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UNIVERSITY OF MUMBAI

PROJECT REPORT

ON

COMPARITIVE STUDY OF MARKETING OF PUBLIC AND

PRIVATE SECTOR BANKS

SUBMITTED BY

MR. TUSHAR V. MOHANE

M.COM I (BANKING & FINANCE)

ACADEMIC YEAR 2014-15

SUBJECT

COMMERCIAL BANK MANAGEMENT

SYDENHAM COLLEGE OF COMMERCE AND ECONOMICS,

CHURCHGATE

MUMBAI- 400 001

DECLARATION

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I hereby declare that I have successfully completed the project on Public sector

banks V/S Private sector banks in India for the academic year 2012-2013. The project is

done under the guidance of prof. Ms Mitali and this project work is submitted in the partial

fulfillment of the requirements for the award of the degree of bachelor of commerce

(financial markets).

The information provided in the project is true and to the best of my knowledge

(Signature of student)

CERTIFICATE

THIS IS TO CERTIFY THAT MS. KOCHAREKAR SAYALI BABURAO

STUDENTS OF T.Y.BCOM (FINANCIAL MARKETS) SEMESTER V OF

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M.L.DAHANUKAR COLLEGE OF COMMERCE HAS SUCCESSFULLY COMPLETED

THE PROJECT ON PUBLIC SECTOR BANKS V/S PRIVATE SECTOR BANKS IN

INDIA UNDER THE GUIDANCE OF PROF. MS MITALI CHOGLE FOR THE

ACADEMIC YEAR 2012-2013.

COURSE CO.ORDINATOR PRINCIPAL

(PROF. SUCHETA PAWAR)

COLLEGE SEAL

PROJECT GUIDE EXTERNAL

(PROF. MITALI CHOGLE) GUIDE

COLLEGE CERTIFICATE

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ACKNOWLEDGEMENT

Before we get into thick of things, I would like to add a few words of

appreciation for the people who have been a part of this project right from its

inception. The writing of this project has been one of the significant academic

challenges I have faced and without the support, patience, and guidance of the

people involved, this task would not have been completed. It is to them owe my

deepest gratitude.

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It gives me an immense pleasure in presenting report on Public sector

banks V/S Private sector banks in India. Success of this project is a result of

the hardwork and determination put by me with the help of my project guide. I

hereby take this opportunity to add a special note of thanks for Mrs. Mitali

mam, who undertook to act as my mentor despite her other academic and

professional commitments without her insight, support & energy this project

wouldnt have kick started and neither would have reached fruitfulness.

I also feel heartiest sense of obligation to my parents and other than that

those who have helped me in collection of data and resource material and also

in its processing as well as in drafting manuscript. The project is dedicated to all

those people who helped me to make this project.

Executive summary:

The topic Public sector banks V/S Private sector banks was taken to

collect general view of people with help of questionnaire to know which banks

they fill convenient and safe to invest.

In this project concept of banking definition, introduction and types of

banks. Introduction &history of public as well as private banks. Merits &

demerits of both the bank. Are conducted to know which banks people prefer to

invest public banks or private banks. On basis of which present and future

review such as problems and challenges to be faced for the survival of bank

have been considered.

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As being rightly said there are two sides of a coin, the same applies to

the banking sector. Both the sector public as well as thr private has their

advantages as well as limitations.

Research methodology used is data gathered from banking text books,

survey conducted using questionnaires, data downloaded from internet

{wikipedia}.

The objective behind taking up this project was to take a look which

sector banks are performing better public sector or private sector to have a

healthy economy in India.

OBJECTIVES OF THE STUDY

This study has been conducted with a variety of important objectives in

mind. The following provides us with the chief objectives that have tried to

achieve through the study. The extent to which these objectives have been met

could judge from the conclusions and suggestions, which appear in the later of

this study.

The Chief Objectives of this study are:

1.

To find the bank sector that is largely availed by the customer.

2. To study the factors the factors influencing the choice of a bank for

availing services.

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3.

To find and compare the satisfaction level of customers in public sector

as well as in private sectors bank.

4.

To study the problem faced by customer.

5.

To get suggestions for improvement or change in the services of public

and private sector banks.

6.

To study what do people expect in the new era of banking.

TABLE OF CONTENTS

CHAPTER.

NO

SUB

HEADSPARTICULARS Page.

no

Chapter 1

1.1

1.2

1.3

1.4

1.5

INTRODUCTION OF BANKS.

Definition

Introduction of banks

Evolution of Indian banking system

History of banking system in India

Structure of Indian banking system

Types of banks in India

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Chapter 2

2.1

2.2

2.3

2.4

2.5

2.6

2.7

2.8

2.9

PRIVATE SECTOR BANKS IN INDIA

Definition

Introduction of private sector banks

Evolution of private sector banks

History of private sector banks

Old private sector banks

New private sector banks

Impact of new banks on old private sector banks

Importance of private sector banks

Limitations of private sector banks

Chapter-3

3.1

3.2

3.33.4

3.5

PUBLIC SECTOR BANKS IN INDIA

Definition

Evolution of public sector banks

History of public sector banks

Objectives of nationalization of banks

Limitations of nationalization of banks

CHAPTER-

4

DIFFERENCE BETWEEN PUBLIC AND

PRIVATE SECTOR BANKS IN INDIA.

4.1 Challenges and survival of public sector banks in India.

Conclusion

ANNEXURE - Questionnaire

Bibliography