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INTRODUCTION TO BANKING
To change cash for bank deposits and bank deposits for cash.
securities.
notes.
their existing and potential competitors. Until the last decade, banks
market for banking services were oligopolies and Centralized while the
market place was regulated and banks were expected to receive assured
accepted deposits at 3%, lent at 6%, and went home at 3 p.m. to play
golf, was the result of the sheltered markets and administrated prices
for banking products. Existence of entry barriers for new banks meant
existed.
phase. Competition has emerged not only from within the banking
enter into new turf’s and greater overlap of functions between banks
and non-banks have forced banks to get out of their cozy little world
will mean virtual collapse of the national borders for trade and
capital flows.
customer satisfaction.
In the next millenium banks will have to be more and more cautions about
themselves for the millenium these are the shifts in the paradigm
they are likely to experience. The 21st century may see the dawn of
prosper.
A word about SBI card
SBI Segment :
Preamble :
scale industrial units and tiny units, professionals and self employed
limits. They also find it difficult to cope with the demands for audited
balance sheet and other statements sought by the bank from time to
time for availing credit facilities. With a view to providing hassle free
shown commitment to run the unit successfully and who are dealing
with the banks for last two years satisfactorily, new and friendly credit
statements are done with credit delivery made simple and easy.
Purpose :
retail trader, artisan, Small Scale Industry (SSI) and tiny units.
Eligibility :
artisans)
considered.
Quantum of loan :
Assessment :
In respect of parties with good track record, where sales tax returns are not available, the
credit limits may be decided taking into consideration the actual turnover in the accounts
during the last two years.
Validity :
Credit card limit will be valid for a period of three years, subject
summations.
Repayment :
is not less than 50% of the projected sales turnover. If the credit
Interest rate :
As per extent instructions issued from time to time relating the market
segment.
Refinance :
Security :
office equipment.
Collateral :
User SBF :
Up to Rs. 25000/- No collateral security.
party granted.
Margins :
Documentation :
Methodology :
Card No.
Name
Account No.
Tel. No.
Limit Rs.
Date of issue
Valid upto
Bank may waive insurance of assets for equipment against the fire
All eligible laon accounts sanctioned for small scale industries (other than
the scheme has been introduce in five circles on pilot basis viz. New
Operation :
separate ledger.
Cheque book should be issued and marked as small business
Pass book should be issued for mall business credit card holders.
for the issue of credit card. This condition may be waived for
2002.
Inspections :
Sanction :
detailed information.
Control return after sanction may be sent to next higher authority for
approval .
Scoring Model :
scoring model as given in annexure- II. Those who are scoring less than
Rationale :
as it helps him to withdraw cash from banks even when they are
closed. This can be done by inserting the card in the ATM installed
Signature Panel.
Magnetic Stripe
but for the old card, the date after which your card needs to be
card. It identifies the card as your State Bank Card Plus Card.
We uses our State Bank Cash Plus Card for cash withdrawal
from ATMs.
merchant establishments.
Significance of the Study
SBI V/s other banks” will be helpful for bankers to maintain customers
service policy, for customers while deciding their financing needs and
also helpful for other researchers for further research in the future.
This study would help us to know about the problems that are faced by
that are being faced by the bank employees while dealing with
customers and would also highlight the future prospect of SBI card.
conducted before. If so, how and to what extent ? And because of this
scholar has to go through all the existing literature related to the study.
SBI Card is a new concept introduced in Bhiwani by State Bank of
India only a few months back, very limited studies have been
seek advice from only the limited literature, which is available with the
bank.
Conceptualization
As the concept includes two terms i.e. cash credit or working capital loans
and terms loans. Therefore both the terms are taken into
banking sector many big private players entered in this sector giving
The concept of SBI card is quite new to the people of Bhiwani. Question
crops in mind what is a SBI card, What is its shape and size, what is
Manager.
The study has been conducted at SBI Bhiwani. The main focus of the study
different banks.
To compare the credit schemes of different banks.
credit schemes.
Taking Sample has carried out the study. Therefore, all the
relevant information.
authentic.
Chapter –1 :
project. I have explained the topic with ATM facilities. Why this
objectives and what are the steps I have adopted for doing this
project.
Chapter –2 :
project. It means what are the steps have been taken for doing
this study. How much the sample size and what are the variables?
Chapter –3 :
It consists the detail descriptions about the raw data. Here the
Chapter –4 :
All the customers availing credit schemes in Bhiwani is our universe while
Sampling techniques :
Research Design
A research design is simply a plan for study in collection and analyzing
the data. It helps the researcher to conduct the study and ensure
Exploratory Research
Descriptive Research
Data Collection :
1. Primary Data :
Primary Data are those data which are collected to solve a problem or
researcher for the first time used primary data for my project
work.
2. Secondary Data :
Secondary data are those data which are primarily collected by other
Observation Method
Questionnaire Method
Independent variables :
Environmental factors
War
Technology
Natural Calamities
Dependent variables :
Infrastructure
Table No. 1
YES NO
46 04
Most of the respondent are well awared about the credit facilities of
different Banks
Table No. 2
No. of respondents availing the credit facilities
YES NO
44 06
Table No. 3
18 14 04 06 02
Nearly 40% of the Respondents are availing credit facilities from SBI
followed by PNB.
Table No. 4
10 16 14 04
Most of the respondents are availing the credit facilities ranging from 1
to 3 years.
Table No. 5
Yes No
32 12
Table No. 6
Awareness level about various credit facilities of different banks
42 40 22 14 12 08
The credit facilities of SBI and PNB are well known to every
respondent.
Table No. 7 (a)
30 27 08 13 08 14
SBI and PNB are the most preferred banks in regard of interest rates.
Table No. 7 (b)
26 30 16 10 06 12
Respondents are very much satisfied with SBI and PNB in respect of
collateral security requirement.
Table No. 7 (c)
28 27 20 8 10 07
26 32 26 06 06 04
Respondents appreciate the level of services provided by SBI, PNB and IOB.
28 24 18 12 08 10
Customers are happy with the document requirement of SBI and PNB.
Table No. 7 (f)
38 22 16 08 08 08
Customers are very much satisfied with the renewal process of SBI and tanks to SBI card.
Table No. 8
24 08 04 08 06
Security requirements are the main obstacle while availing any credit facility.
Table No. 9
42 12 08 16
14 08
56 24 10 04 04 02
Table No. 11
Yes No
38 12
A good awareness level is exist about SBI cards.
Table No. 12
06 22 04
06
Most of the respondents gets information about SBI card from bank employees.
Objective No. 1 : To find out the market potential of SBI card in Bhiwani.
Ø Most of the respondents covered in the survey know about the SBI card
and feel that this facility is beneficial to them as they can fix the limit for
three years.
Ø Most of the respondents want an increase in existing limit i.e. 5.00 lacs.
Ø Most of the respondents like the credit facilities provided by SBI and
PNB.
takes only 15 days to disburse the sanctioned loans whereas other banks
offering 11.5%.
Objective No. 3 : To find out main obstacle while getting finance under
are the main obstacles while getting finance under various credit schemes.
Suggestions
On the basis of data analysis and interpretations, the following suggestions can
be made.
Ø RBI Should reduce the SLR and CRR to increase the credit creation
Ø All the nationalized banks should try to improve their service level to
Ø Banks should reduce the time length between sanction and disbursement
of loan.
Ø SBI should increase the limit under SBI card to fulfill the growing
Ø Banks should narrow down the spread between PLR and deposit rates.
Questionnaire
Name ………………………… Age ………………………….
Income………………………... Occupation…………………...
Yes No
Yes No
Q3. If yes, from which bank you are availing credit facility ?
…………………………………………………………
Yes No
…………………………………………………………..
Q.7 Tick the name of banks whose credit facilities are known to you ?
Banks officer
SBI
PNB
UCO
OBC
CANARA
IOB
Q9. According to you what is the main obstacle while getting finance under various
credit facilities?
Q10. According to you arrange the parameters in the descending order of their
preference?
Q11. Which banks name comes to your mind first while availing credit facility and why?
………………………………………………………………………..
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c) Advertisement d) Publicity
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