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Table of Contents
Acknowledgement
Executive Summary
Chapter 1: Introduction
1.1 Industry Profile1.2 Company Overview
Chapter 2: Competitors
Chapter 3: Research Methodology
3.1 Need & objective of the study
3.2 Research design
Chapter 4: Data Analysis
Chapter 5: Findings
Chapter 6: Limitations of the project
Chapter 7: Conclusion and Recommendations
Appendix
References
Chapter – I
Introduction
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INTRODUCTION
Banking is the backbone of the modern industry. Health of the banking industry is one of the
most important pre-condition for sustained economic growth of any country. The world of
banking has assumed the new dimension at the dawn of 20th century with the advent of tech
banking, thereby lending the industry a stamp of fun avarsality. In general banking may be
classified as retail banking and corporate bankig.Retail banking, which is designed to meet the
requirement of individual customers and increase their savings, includes payment of futility bills,
consumer loans, credit cards, checking bank account balance ,ATM’s,transferring funds between
accounts and the like.Corporate banking caters the needs of corporate customers like bill
discounting, opening letter of credit and managing cash.
Many individuals find investments to be fascinating because they can participate in the decision
making process and see the results of their choices. Not all investments will be profitable, as
investor wills not always make the correct investment decisions over the period of years;
however, you should earn a positive return on a diversified portfolio. In addition, there is a thrill
from the major success, along with the agony associated with the stock that dramatically rose
after you sold or did not buy. Both the big fish you catch and the fish that get away can make
wonderful stories.
Investing is not a game but a serious subject that can have a major impact on investor's future
well being. Virtually everyone makes investments. Even if the individual does not select specific
assets such as stock, investments are still made through participation in pension plan, and
employee saving program or through purchase of life insurance or a home. Each of this
investment has common characteristics such as potential return and the risk you must bear. The
future is uncertain, and you must determine how much risk you are willing to bear since higher
return is associated with accepting more risk.
In my study I have done the analysis on the saving and salary accounts of Axis Bank with its
main competitors HDFC and ICICI bank. The study focuses on the main points which makes an
individual driven to a bank and open their accounts.
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1.1Industry profile
OVERVIEW OF THE BANKING INDUSTRY:
Banking in India originated in the last decades of the 18th century. The oldest bank in existencein India is the State Bank of India, a government-owned bank that traces its origins back to June1806 and that is the largest commercial bank in the country. Central banking is the responsibility of the Reserve Bank of India, which in 1935 formally took over these responsibilities from the then Imperial Bank of India, relegating it to commercial banking functions.
Early history:
Banking in India originated in the last decades of the 18th century. The first banks were The General Bank of India, which started in 1786, and the Bank of Hindustan, both of which are now defunct. The oldest bank in existence in India is the State Bank of India, which originated in the Bank of Calcutta in June 1806, which almost immediately became the Bank of Bengal. This was one of the three presidency banks, the other two being the Bank of Bombay and the Bank of Madras, all three of which were established under charters from the British East India Company.
For many years the Presidency banks acted as quasi-central banks, as did their successors. The three banks merged in 1925 to form the Imperial Bank of India, which, upon India's independence, became the State Bank of India. Indian merchants in Calcutta established the Union Bank in 1839, but it failed in 1848 as a consequence of the economic crisis of 1848-49. The Allahabad Bank, established in 1865 and still functioning today, is the oldest Joint Stock bank in India. When the American Civil War stopped the supply of cotton to Lancashire from the Confederate States, promoters opened banks to finance trading in Indian cotton. With large exposure to speculative ventures, most of the banks opened in India during that period failed. The depositors lost money and lost interest in keeping deposits with banks. Subsequently, banking in India remained the exclusive domain of Europeans for next several decades until the beginning of the 20th century.Around the turn of the 20th Century, the Indian economy was passing through a relative period of stability. Around five decades had elapsed since the Indian Mutiny, and the social, industrial and other infrastructure had improved. Indians had established small banks, most of which served particular ethnic and religious communities
In the early 1990s, the then Narsimha Rao government embarked on a policy of liberalization, licensing a small number of private banks. These came to be known as New Generation techsavvy banks, and included Global Trust Bank (the first of such new generation banks to be set up), which later amalgamated with Oriental Bank of Commerce, UTI Bank(now re-named as Axis Bank), ICICI Bank and HDFC Bank. This move, along with the rapid growth in the economy of India, revitalized the banking sector in India, which has seen rapid growth with
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strong contribution from all the three sectors of banks, namely, government banks, private banks and foreign banks.
The next stage for the Indian banking has been setup with the proposed relaxation in the norms for Foreign Direct Investment, where all Foreign Investors in banks may be given voting rights which could exceed the present cap of 10%,at present it has gone up to 49% with some restrictions. The new policy shook the Banking sector in India completely. Bankers, till this time, were used to the 4-6-4 method (Borrow at 4%;Lend at 6%;Go home at 4) of functioning. The new wave ushered in a modern outlook and tech-savy methods of working for traditional banks.All this led to the retail boom in India. People not just demanded more from their banks but also received more.
1.2 COMPANY PROFILE
AXIS BANK LTD.
Axis Bank was the first of the new private banks to have begun operations in 1994, after the
Government of India allowed new private banks to be established. The Bank was promoted
jointly by the Administrator of the specified undertaking of the Unit Trust of India (UTI - I), Life
Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC) and
other four PSU insurance companies, i.e. National Insurance Company Ltd., The New India
Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance
Company Ltd.
The Bank's Registered Office is at Ahmedabad and its Central Office is located at Mumbai.
Presently, the Bank has a very wide network of more than 701 branch offices and Extension
Counters. The Bank has a network of over 2854 ATMs providing 24 hrs a day banking
convenience to its customers. This is one of the largest ATM networks in the country.
The Bank has strengths in both retail and corporate banking and is committed to adopting the
best industry practices internationally in order to achieve excellence.
Axis refers to a line of reference, stability and maturity. The new logo of the bank has the same
color as the previous UTI logo but now uses the alphabet ‘A’ from the word Axis. The bank is
also publicizing the change through campaign titled “Twins both equal”.
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Now with a name having universal appeal, the bank is working towards becoming a
multinational bank and diversifying into other financial services like AMC, insurance and
restructures operations to reflect a modern approach to banking.
PROMOTERS:-
Axis Bank Ltd. has been promoted by the largest and the best Financial Institution of the country,
UTI. The Bank was set up with a capital of Rs. 115 crore, with UTI contributing Rs. 100 crore,
LIC - Rs. 7.5 crore and GIC and its four subsidiaries contributing Rs. 1.5 crore each.
SUUTI Shareholding-27.11%
Erstwhile Unit Trust of India was set up as a body corporate under the UTI Act, 1963, with a
view to encourage savings and investment. In December 2002, the UTI Act, 1963 was repealed
with the passage of Unit Trust of India (Transfer of Undertaking and Repeal) Act, 2002 by the
Parliament, paving the way for the bifurcation of UTI into 2 entities, UTI-I and UTI-II with
effect from 1st February 2003. In accordance with the Act, the Undertaking specified as UTI I
has been transferred and vested in the Administrator of the Specified Undertaking of the Unit
Trust of India (SUUTI), who manages assured return schemes along with 6.75% US-64 Bonds,
6.60% ARS Bonds with a Unit Capital of over Rs. 14167.59 crores..
Board of DirectorsThe members of the Board are :
Dr. Adarsh Kishore Non-Executive Chairman
Smt. Shikha Sharma Managing Director & CEO
Shri M. M. Agrawal Deputy Managing Director
Shri J.R. Verma Director
Dr. R.H. Patil Director
Smt. Rama Bijapurkar Director
Shri R.B.L. Vaish Director
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Shri M.V. Subbiah Director
Shri K. N. Prithviraj Director
Shri V. R. Kaundinya Director
Shri S. B. Mathur Director
Shri M. S. SundaraRajan
Director
VISION AND MISSION
Mission
Customer Service and Product Innovation tuned to diverse needs of individual and corporate clientele.
Continuous technology up gradation while maintaining human values.
Progressive globalization and achieving international standards.
Efficiency and effectiveness built on ethical practices.
Core Values
Customer Satisfaction through-
Providing quality service effectively and efficiently.
"Smile, it enhances your face value" is a service quality stressed on.
Periodic Customer Service Audits.
Maximization of Stakeholder value.
Success through Teamwork, Integrity and People
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ORGANISATION STRUCTURE OF AXIS BANK
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SERVICES PROVIDED TO THE CUSTOMER AT AXIS
Accounts
Easy Access Savings Account
Prime Savings account
Salary Savings Account
Power salute: A salute to the defence forces
Azaadi
Senior Privilege Savings Account
For the woman of today – Smart Privilege Savings Account
A complete banking solution for Trusts, Associations, Societies,
Government Bodies, Section 25 companies and NGOs
Pension Savings Bank Account
Deposits
Fixed Deposits
Recurring Deposits
Encash24
Tax Saver Fixed Deposits
Capital Markets
Debt Solutions
Equity Solutions
Private Equity, Mergers & Acquisitions
Advisory Services
Trusteeship Services
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Depository Services
Capital Market Funding
e-Broking
Credit
Working Capital Finance
Term Loans
Trade Services and Trade Finance
Structured Finance
Supply Chain Management
Overseas Financing and Transactions
SME Standard Products
Power Track
CUSTOMER CARE SERVICE
Axis Bank customer care service has enabled the bank to reach out to their customers and help
them with any information they might need. The Axis Bank customer support centres spread
across the country operate 24 x 7 customer care services that are dedicated to provide most
accurate and prompt information regarding the banking products, services and the respective
policies. As the banking field is getting more and more commercialize, there's a bombardment of
highly innovative banking products to lure as many customers as possible. This creates confusion
among the customers about the terms and conditions that the new banking schemes are subject
to.
Axis Bank customer care centres aim to carry forward the transparency Axis Bank has
maintained with its customers regarding the terms and conditions on any new banking product
and scheme.
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FINANCIAL ADVISORY SERVICES
Axis bank has employed a highly proficient financial advisory team comprising of experienced
and competent relationship managers. The Axis Bank relationship manager advises the customer
on the available investment opportunities like mutual funds, deposits, IPO’s etc. that will suit his
investment requirements. They aim to help the customers achieve their investment goals
efficiently and without any hassles. A research team of experts from financial industry is
responsible for establishing out investment strategy and providing real time information to
support it.
Mutual Funds
Axis Bank Financial Advisory team adopts a strong research driven recommendation model to
help the customer choose the best funds based on qualitative and quantitative parameters. They
also offer a unique 'One Page Portfolio Snapshot' report across investment products customers
investing in Mutual Funds
Mohur Gold Coins/Bars
Axis Bank brings to you Mohur Gold coins/bars in the purest form! Made in Switzerland,Mohur
Gold coins/bars carry the Assay certification of being 24 carat, 99.99% pure! It comes to you in a
specialized packaging that is tamper proof so that its purity is preserved.
SAVING ACOUNTS OF AXIS BANK
1 Zero Balance Saving Account
Features
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No Average Quarterly Balance requirement Free International Debit Card with an Accidental Insurance cover up to Rs 2 lakhs* Free mobile banking facility Access through more than 1000 branches and over 4055 ATMs (as on 31st March 2010) At-Par cheque facility with the clearing limit of Rs 50,000 24x7 Telebanking & Internet banking Free quarterly statements Free monthly e-state ment .
2.Krishi Savings Account
Features:-
Average Balance Requirement
This account is offered with the requirement of maintaining the half-yearly average balance
of Rs 1000 only.
International Master Debit Card The Krishi Savings Account entitles you to an International Master Debit Card with which you can
Access your account anytime through the Axis Bank ATM network free of cost.
This card comes with:
A cash withdrawal limit of Rs 25,000 per day
Free Accident Insurance cover of Rs 2 lacs
3.Senior Privilege Account
Axis Bank's Senior Citizen Savings Account has been designed keeping in mind the fact that a senior citizen's banking requirements are wholly different and require special consideration.
4.Pension Savings Account Pension Savings Bank Account, from Axis Bank is specifically, designed for Pensioner's
(Existing & Prospective) of Central Govt. Civil Ministries/ Departments &Defence Ministry keeping in mind the Facts that a Pensioner’s banking requirements are wholly different and require special consideration.
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Benefits
Timely communication to the customer on receipt of the PPO
No delays in commencement of pension disbursals - The Bank is handling the disbursement of Pension under a Centralised Pension Disbursement Module wherein the Pensioner records are credited centrally through its Centralised Pension Payment Hub (CCPH) at Mumbai.
Timely issue of Form- 16A for tax deducted at source in the immediately previous financial year.
5.Zero Balance Minor Account
Round-the-Clock access through ATMs: There could be an instance when at 3 am you could
require cash
. With our round-the-clock access you can withdraw cash up to Rs. 40,000 per day, deposit
cash/cheques, transfer funds, print a mini statement and pay insurance premiums (LIC), all
through our ATM channel
This is one of the largest ATM networks in the country.
SALARY ACCOUNTS OF AXIS BANK
Corporate Salary Account
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.
Benefit to Employers
Efficient salary disbursal.
Web Upload - Transfer salaries/reimbursements directly from your current account with Axis Bank to your employee's accounts using I Connect from your office.
Single-instruction salary credit - Same day salary credits for all companies having Corporate Account with Axis Bank.
Dedicated Relationship Manager at metro locations to understand the financial requirements of your employees.
Benefit to Employees No minimum balance criteria.
Unparalleled Access - Anywhere banking facility through our network of Branches, Atm and Internet banking facility.
AT Par cheque books payable locally at all Axis Bank locations. International Debit cum ATM cards with enhanced Cash withdrawal facility and other value add
ons.Online Banking with funds transfer, online shopping and bill payment options.
Depository services with free online trading accounts.
Meal Cards on a master card platform.
Employee Reimbursement accounts as a savings account variant.
Preferential pricing on loan products and credit cards and other banking products & services*.
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COMPETITORS
HDFC BANK
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Chapter – II
Competitors
The Housing Development Finance Corporation Limited (HDFC) was amongst the first to
receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the
private sector, as part of the RBI's liberalization of the Indian Banking Industry in 1994. The
bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', with its registered
office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank
in January 1995.
ICICI BANK
ICICI Bank is India's second-largest bank with total assets of Rs. 3,634.00 billion (US$ 81
billion) at March 31, 2010 and profit after tax Rs. 40.25 billion (US$ 896 million) for the year
ended March 31, 2010. The Bank has a network of 2,016 branches and about 5,219 ATMs in
India and presence in 18 countries. ICICI Bank offers a wide range of banking products and
financial services to corporate and retail customers through a variety of delivery channels and
through its specialized subsidiaries in the areas of investment banking, life and non-life
insurance, venture capital and asset management. The Bank currently has subsidiaries in the
United Kingdom, Russia and Canada, branches in United States, Singapore, Bahrain, Hong
Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices in
United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. Our
UK subsidiary has established branches in Belgium and Germany.
OTHER COMPETITORS ARE………..
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COMPARISON OF SALARY PRODUCTS
Features AXIS BANK HDFC ICICI BANK
Minimum average salary
10000 10000 12000Minimum no. of employees
10 10 25Reimbursement of account
YES YES YES
Term deposit Sweep
YES Yes, but only sweep in
Yes, but not automated
Investment Account
Available to all Customers
NA NA
Investment Advisory Services
Available to all Only to selected customers
Only to selected customers
Account Statement
Monthly Free Quarterly Free Quarterly free
Free online bill payment
YES YES YES
Salary alerts on mobile
YES YES YES
NET Card YES NA NA
Account opening& welcome kits
Instant In a week’s time Instant
Online Investment
Depository service with free online trading accounts
NA NA
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Chapter – III
Research Methodology
3.1NEED AND OBJECTIVE
Project at a glance-
‘COMPARATIVE ANALYSIS OF SAVING AND SALARY
PRODUCTS OF AXIS BANK WITH ITS COMPETITORS’
The main of the present study is accomplish the following objectives-
Proper understanding and analysis of banking industry.
To know about the brand awareness of Axis Bank and customers preferences about Axis
Bank.
Conduct a market survey on a sample selected from the customer and derived opinion on
that research.
Along with it I will be gaining the experience of banking industry. This will help me to
market the products given to me.
As the Axis Bank is one of the leading private sector banks in India, It will be a great
chance for me to gain a deep insight of the products launched by Axis and its competitors
like HDFC and ICICI bank.
The research gives me a great chance to communicate the customers directly as they are
the main focus of this study. This will help me to know what a customer want and how
they think while opening an account with banks.
This will also help me to know what people think about the private sector banks in India.
This research will also help in finding that that the customers are happy with the services
provided by the bank and with the features of their saving and savings account.
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RESEARCH METHODOLOGY
The research applied in the project is descriptive research as the major objective of the research
is to describe the investment preferences of salaried and self-employed retail investors. The study
aims at comparing the investment patterns of the two.
DESCRIPTIVE RESEARCH
The major objective of descriptive research is to describe something ---- usually market
Characteristics or functions .Descriptive research is conducted for the following reasons:
1. To describe the characteristics of relevant groups, such as consumer, salespeople
organizations, or market areas.
2. To estimate the percentage of units in a specified population exhibiting a certain behavior
3. To determine the perception of products characteristics.
4. To determine the degree to which marketing variables are associated.
5. To make specific predictions.
Descriptive research is preplanned and structured. It is typically based on large representative
samples. A formal research design specifies the method for selecting the sources of information
and for collecting data from those sources.
DATA COLLECTION
The data collected for the research includes both primary and secondary data. As the
research is descriptive and involves the study of investment patterns of retail investors, most
of the data used is primary. Secondary data has been used to support the study at some
places.
METHODS OF DATA COLLECTION :
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The task of data collection begins after a research problem has been defined and research
plan chalked out. While deciding about the method of data collection to be used for the
study the researcher should keep in mind two types of data via: primary and secondary. The
primary data are those which are collected afresh and for first time, and thus happen to be
original in character, the secondary data , on the other hand , are those which have already
been passed through statistical procedure.
COLLECTION OF PRIMARY DATA
We collect primary data during the course of doing experiments in an experimental
research but in case we do research of the descriptive type and perform surveys ,
whether sample surveys or census surveys , then we can obtain primary data either
through observation or direct communication with the respondents in one form or
another or through personal interviews . in other words there are several methods of
collecting primary data, particularly in surveys and descriptive researches . Important
ones are
Observation method
Interview method
Questionnaires
In this project the source of primary data collection are structured questionnaire supported
by interviews. This has further helped me in the study while giving recommendations and
establishing the co-relations in the project.
COLLECTION OF SECONDARY DATA
Secondary data means that are already available i.e .They refer to the data which gave
already been collected and analyzed by someone else. The collection of secondary data has
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been done by various publications, books, magazines, journals, newspaper and internet. By
way of caution, the researcher, before using data, must see that they possess following
characteristics
Reliability of data
Suitability of data
Adequacy of data
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Chapter –IV
Data Interpretation and analysis
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DATA ANALYSIS
1. This analysis displays the division of sample according to the occupation. A
total of 100 people were surveyed.
Table1.
Categories Frequency PercentValid
PercentSALARIED 44 44.0 44.0BUSINESS 24 24.0 24.0PROFESSIONAL 32 32.0 32.0Total 100 100.0 100.0
In the convenience sample I find that out of 100, 44% were
salaried class,22% were business class and 32% were
professionals.
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2.How the customers find salary and savings account provided by Axis
Bank?
customers
very goodgoodsatisfactoryexellentpoor
Analysis show that customers find salary and saving account of axis bank
are good.
3.Do customers have any other product of AXIS BANK other than savings and
salary account? (Like term deposit, mutual funds, insurance, home loan, car loan
etc.)
THIRD PARTY PRODUCT
YESNO
Analysis show that most of the customers have other products of
Axis bank other than saving and salary account.
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4.Are the customers satisfied with their savings and salary account?
NO. OF PEOPLE
YESNO
Analysis show that most of the customers are satisfied with their salary and saving account in Axis bank.
5.Which bank is better in providing services regarding transactions?
BANKS
AXIS BANKHDFC BANKICICI BANK
Analysis show that Axis Bank is better in providing services regarding transactions
6.Which is better bank in ease of access (both branch & ATM)?
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BANKS
AXIS HDFCICICI
Analysis show that Axis Bank is better in ease of access. In case of branch HDFC is better in ease of access.
7.Which bank’s accounts provide greater flexibility?
BANKS
AXIS
HDFC
ICICI
Analysis show that HDFC and ICICI Bank’s provide better Flexibility.
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8.Are you satisfied with the relationship manager’s service provided by Axis Bank?
Relationship Manager service
YES
NO
Analysis show that most of the persons are satisfied with relationship manager service.
9.Which channel you use to access your account?
HOW YOU ACCESS YOR ACCOUNT
DIRECT BRANCHMOBILE BANK-INGNET BANKING
Analysis show that most of customers use phone banking and very few customer use mobile banking.still some customers use direct brach service.
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10.Which are the areas of improvement?
AREAS OF IMPROVEMENT
UPDATES
SERVICE
TECHNOLOGY
RM
PRODUCTS
Analysis show that major areas of improvement are updates and services.
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Chapter-V
Findings
FINDINGS
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The bank has good relation with its customers. The customers are very satisfied with the
relationship manager service provided by Axis Bank.
The bank and its customers have a long term relationship. Axis Bank has the tendency to
retain its customers at any cost. They believe that the old customer is more profitable in
stead of a new one that’s why they try to maintain good and long term relations to their
customers.
Less no. of customer use mobile banking or net banking.
The accounts of axis bank (both salary & saving) provide great flexibility in terms of
offering.
The accounts of these three banks don’t have much difference in terms of features but
when it comes to service providing the Axis Bank gets an edge because of their great
customer services.
The axis bank has good no. of branches and ATM’s that’s why it has more ease of access.
The customers of Axis Bank are satisfied with their savings and salary accounts.
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Chapter-VI
Limitations of Study
Limitations of Study:-
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Convenient sample is the main limitation of study.
Sample was very small.it represents whole the customers of bank.
Geographical area was the another limitation if the study.
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Chapter-VII
Conclusion and Recommendations
CONCLUSION AND RECOMMENDATIONS
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The study mainly was on the customer orientation that how they think, what they want
from their banks and how they take decision going to any bank.
In this study I found that the bond of Axis Bank with its customers is very strong,
because Axis Bank mainly focuses on retaining their customers.
This study finds that however Axis Bank is not the leading private sector bank but its vast
range of products and availability of options make it one of the better banks in India.
The bank should focus on the semi urban and rural market because these markets are very
good opportunity for someone like Axis Bank which is in growing face. Without
expanding in these markets Axis Bank can not be a leading bank so they should focus on
this market.
The bank should focus on mass banking in order to increase their market share. They
should launch such products which would be within the reach of the lower middle class.
The bank should pay more attention on giving updates and should increase the level of
service providing because the competitors of axis are better in this area.
The bank should try to increase the use of technology like mobile and net banking among
its customers.
APPENDIX
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QUESTIONNAIRE
(Dear Sir/Madam, I am an MBA student doing a survey on study of salary and saving account of Axis Bank,HDFC Bank and ICICI Bank as a part of my course curriculum, as an intern at AXIS BANK, Chandigarh. I request you to kindly spare some of your valuable time answering the questionnaire. The information collected through this questionnaire are meant purely for academic purpose.)
1. Name:
2. Sex: (Male/Female)
3. Age:
a) 20-30 yrs
b) 30-40 yrs
c) 40-50 yrs
d) More than 50 yrs
4. Educational Qualification:
a) Less than High School
b) High School
c) Intermediate
d) Graduate
e) Post-Graduate
5. Marital status:
a) Single
b) Married
6. If married, is your spouse working?
a) Yes
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b) No
7. No. of dependents in the family?
a) 2
b) 3
c) 4
d) More than 4
8. Occupation:
a) Public sector employee
b) Private sector employee
c) Business
d) Retired
e) Professional
9. Which income group do you belong to?
a) Less than 50,000 p.a.
b) 50,000 to 1, 00,000 p.a.
c) 1, 00,000 to 3, 00,000 p.a.
d) 3, 00,000 to 5, 00,000 p.a.
e) More than 5, 00, 000 p.a.
10. Do you have any other product of axis bank other than salary/saving account?
a) Yes
b) No
11.How you find the salary/saving accounts of Axis Bank?
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a) very good
b) good
c) excellent
d) poor
e) satisfactory
12. Are you satisfied with your salary/saving account?
a) Yes
b) No
13. Which bank has ease of access?
a) Axis bank
b) HDFC Bank
c) ICICI bank
14. Which bank offers you the flexibility in its products?
a) Axis Bank
b) HDFC Bank
c) ICICI Bank
15. Which is the area of improvement for Axis Bank?
a) Products
b) RM
c) Services
d) Technology
e) Updates
THANK YOU
REFERENCES
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WWW.AXISBANK.COM
BUSINESS RESEARCH METHODOLOGY (ICFAI)
WWW.HDFCBANK.COM
WWW.ICICIBANK.COM
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