Beruflich Dokumente
Kultur Dokumente
PROJECT ON
TRAINING & DEVELOPMENT PROGRAM DONE BY
BHARTI AXA LIFE INSURANCE
SUBMITTED TO
THE UNIVERSITY OF MUMBAI
IN PARTIAL FULFILLMENT FOR THE AWARD OF
THE DEGREE OF BACHELOR OF COMMERCE
(BANKING AND INSURANCE)
SEMESTER V
(SEAT NO: 12013)
BY
BHARAT R. SIRVEE
THE S.I.A COLLEGE OF HIGHER EDUCATION
2014-2015
1
(BHARAT R SIRVEE)
2
ACKOWLEDGEMENT
I am thankful to Professor MR. HASIT KUMAR NAGARIYA for her
valuable guidance in successful completion of this project.
My overriding debt due to our Principal Dr. PADAMAJA ARVIND MAM and
librarian MRS.BHARATI RAO MAM.
Last but not the least I cannot forget my friends and my parents whose
constant encouragement and support made this task a happy job.
SIGNATURE
BHARAT R SIRVEE
(THIRD YEAR BACHELOR OF COMMERCE)
(BANKING AND INSURANCE)
CERTIFICATE
This is to certify that,
Mrs. BHARAT R SIRVEE
Student of BCOM (Banking and Insurance VI) 2014-2015
Seat No.12013has successfully completed his Project
Work on TRAINING & DEVELOPMENT PROGRAM DONE BYBHARTI
AXA LIFE INSURANCE under the guidance of MR. HASIT KUMAR
NAGARIYA as per Mumbai University syllabus.
COURSE CO-ORDINATOR
EXTERNAL EXAMINER
PROJECT GUIDE
PRINCIPAL
INDEX
SR.N
O
TOPIC
CHAPTER 1
INTRODUCTION
HISTORY
INDIAN SCENARIO
MEANING
DEFINITION
CHAPTER 2 HISTORY OF HDFC BANK
INTRODUCTION TO E-BANKING
PAGE NO
10
16
HISTORY
DISTRIBUTION NETWORK
3
BUSINESS FOCUS
CHAPTER 3 BUSINESS OF HDFC BANK
21
23
22
37
CHAPTER7
E-BANKING SERVICES
40
CHAPTER8
BENEFITS/CONCERNS OF E-BANKING
44
CHAPTER9
53
10
CHAPTER10
SWOT ANALYSIS
49
11
58
12
CHAPTER12
63
13
CHAPTER13
CONCLUSION
74
14
BIBLIOGRAPHY
75
15
ANNEXURE
76
TABLE OF CONTENT
S.No.
1
CONTENT
CHAPTER-1 INTRODUCTION
PAGE No.
CHAPTER-4 ANALYSIS
CHAPTER-5 FINDINGS
CHAPTER-6 RECOMMENDATIONS
CHAPTER-7 CONCLUSION
EXECUTIVE SUMMARY
In my survey I found that 80% of employees are new to the job and they
must undergo the training program.
Finally, creating awareness of organization structure and its products to the
employee is very important to have individual as well as organization growth. So it
can be possible only when the employees go through the training program.
CHAPTER-1
INTRODUCTION
The insurance sector in India has come a full circle from being an open
competitive market to nationalization and back to a liberalized market again.
Tracing the developments in the Indian insurance sector reveals the 360-degree
turn witnessed over a period of almost 190 years.
The business of life insurance in India in its existing form started in India in the
year 1818 with the establishment of the Oriental Life Insurance Company in
Calcutta.
Some of the important milestones in the life insurance business in India are:
1912 - The Indian Life Assurance Companies Act enacted as the first statute to
regulate the life insurance business.
1928 - The Indian Insurance Companies Act enacted to enable the government to
collect statistical information about both life and non-life insurance businesses.
1938 - Earlier legislation consolidated and amended to by the Insurance Act with
the objective of protecting the interests of the insuring public.
1956 - 245 Indian and foreign insurers and provident societies taken over by the
central government and nationalized. LIC formed by an Act of Parliament, viz. LIC
Act, 1956, with a capital contribution of Rs. 5 crore from the Government of India.
10
The General insurance business in India, on the other hand, can trace its roots to
the Triton Insurance Company Ltd., the first general insurance company
established in the year 1850 in Calcutta by the British.
Some of the important milestones in the general insurance business in India are:
1907 - The Indian Mercantile Insurance Ltd. set up, the first company to transact
all classes of general insurance business.
11
themselves
by
sharing
risk,
attached
to
individual.
The risk, which can be insured against include fire, the peril of sea, death, incident,
& burglary. Any risk contingent upon these may be insured against at a premium
commensurate with the risk involved.
Insurance is actually a contract between 2 parties whereby one party called insurer
undertakes in exchange for a fixed sum called premium to pay the other party
happening of a certain event.
With the help of Insurance, large number of people exposed to a similar risk makes
contributions to a common fund out of which the losses suffered by the unfortunate
few, due to accidental events, are made good.
Functions of Insurance
12
Primary Functions
Secondary Functions
Other Functions
Collective bearing of risk - Insurance is a device to share the financial loss of few
among many others. Insurance is a mean by which few losses are shared among
larger number of people. All the insured contribute the premiums towards a fund
and out of which the persons exposed to a particular risk is paid.
premium
rate
also
to certainty. Insurance is device whereby the uncertain risks may be made more
certain.
The
secondary
functions
of
insurance
include
the
following:
Small capital to cover larger risks - Insurance relieves the businessmen from
security investments, by paying small amount of premium against larger risks and
uncertainty.
The
other
functions
of
insurance
include
the
following:
Risk Free trade - Insurance promotes exports insurance, which makes the foreign
trade risk free with the help of different types of policies under marine insurance
cover.
The end of the year 2000 marks a significant change and growth of 'India
Insurance' industry scenario. Monopoly of Public Sector Insurance company marks
an end and Private companies makes inroad. Foreign companies, both Life and
General flocked, collaborated and helped astronomical growth of 'Insurance
Industry in India'.
'India Insurance' growth was long overdue. Within 1st 12 months of liberation of
'Indian Insurance Industry' 10 licenses for selling life insurance products and 6
licenses for selling non-life products were issued to private companies. The Public
sector giant LIC started losing its market share at the cost of stupendous growth of
private players. Now 'India Insurance' industry has more than a dozen private life
insurance players and 9 private general insurance companies. Aggressive and
penetrative marketing strategy coupled with wide product bandwidth was an
15
instant success among the ignorant masses. Most of the private companies
registered more than 100% growth till then and are still continuing with such
monstrous growth figures. Although, 'Insurance in India' is not regarded as a basic
need but it is getting popular among semi urban to rural masses. Top rank private
companies like ICICI Prudential Life Insurance, Tata AIG, Bajaj Allianz etc are
aggressively researching and innovating products for huge untapped rural 'India
Insurance' market. Collaboration with micro finance companies, post offices, rural
banks and village management authorities for selling insurance is doing wonders.
Life insurance products cover risk for the insurer against eventualities like
death or disability. Non-life insurance products cover risks against natural
calamities, burglary, etc. They are not as popular as life products in the ' Insurance
India's' portfolio. Until very recently it had only corporate buyers, but with natural
disasters like, earth quakes, tsunamis, storms and floods becoming more frequent
and damaging there has been a sudden spurt in sales of general insurance amongst
individuals. Consumerism of life style goods and modern amenities has also
contributed to its growth. With more awareness and wide bandwidth of insurance
product portfolio the growth for 'India Insurance' story will only get more
competitive and more affordable to all sections of Indian society.
Present Scenario
16
The Government of India liberalized the insurance sector in March 2000 with the
passage of the Insurance Regulatory and Development Authority (IRDA) Bill,
lifting all entry restrictions for private players and allowing foreign players to enter
the market with some limits on direct foreign ownership. Under the current
guidelines, there is a 26 percent equity cap for foreign partners in an insurance
company. There is a proposal to increase this limit to 49 percent.
The opening up of the sector is likely to lead to greater spread and deepening of
insurance in India and this may also include restructuring and revitalizing of the
public sector companies. In the private sector 12 life insurance and 8 general
insurance companies have been registered. A host of private Insurance companies
operating in both life and non-life segments have started selling their insurance
policies since 2001.
17
18
Insurance costs constitute roughly around 1.2- 2 percent of the total project
costs. Under the existing norms, insurance premium payments are treated as part of
the fixed costs. Consequently they are treated as pass-through costs for tariff
calculations.
Premium rates of most general insurance policies come under the purview of
the government appointed Tariff Advisory Committee. For Projects costing up to
Rs 1 Billion, the Tariff Advisory Committee sets the premium rates, for Projects
between Rs 1 billion and Rs 15 billion, the rates are set in keeping with the
committee's guidelines; and projects above Rs 15 billion are subjected to reinsurance pricing. It is the last segment that has a number of additional products
and competitive pricing.
19
Re-insurance business
Insurance companies retain only a part of the risk (less than 10 per cent) assumed
by them, which can be safely borne from their own funds. The balance risk is reinsured with other insurers. In effect, therefore, re-insurance is insurer's insurance.
It forms the backbone of the insurance business. It helps to provide a better spread
of risk in the international market, allows primary insurers to accept risks beyond
their capacity, settle accumulated losses arising from catastrophic events and still
maintain their financial stability.
While GIC's subsidiaries look after general insurance, GIC itself has been
the major reinsurer. Currently, all insurance companies have to give 20 per cent of
their reinsurance business to GIC. The aim is to ensure that GIC's role as the
national reinsurer remains unhindered. However, GIC reinsures the amount further
with international companies such as Swissre (Switzerland), Munichre (Germany),
and Royale (UK). Reinsurance premiums have seen an exorbitant increase in
recent years, following the rise in threat perceptions globally.
20
21
The private insurers also seem to be scoring big in other ways- they are
persuading people to take out bigger policies. For instance, the average size of a
life insurance policy before privatization was around Rs 50,000. That has risen to
about Rs 80,000. But the private insurers are ahead in this game and the average
size of their policies is around Rs 1.1 lakh to Rs 1.2 lakh- way bigger than the
industry average.
Buoyed by their quicker than expected success, nearly all private insurers are fastforwarding the second phase of their expansion plans. No doubt the aggressive
stance of private insurers is already paying rich dividends. But a rejuvenated LIC is
also trying to fight back to woo new customers.
22
Reforms in the Insurance sector were initiated with the passage of the IRDA Bill in
Parliament in December 1999. The IRDA since its incorporation as a statutory
body in April 2000 has fastidiously stuck to its schedule of framing regulations and
registering the private sector insurance companies.
The other decisions taken simultaneously to provide the supporting systems to the
insurance sector and in particular the life insurance companies were the launch of
the IRDAs online service for issue and renewal of licenses to agents.
The approval of institutions for imparting training to agents has also ensured that
the insurance companies would have a trained workforce of insurance agents in
place to sell their products.
Since being set up as an independent statutory body the IRDA has put in a
framework of globally compatible regulations. In the private sector 12 life
insurance and 6 general insurance companies have been registered.
23
1.2 OBJECTIVES
24
The Research and Methodology adopted for the present study has been
systematic and was done in accordance to the objectives set which has been
detailed as below.
Research Definition
Research is a process in which the researcher wishers to find out the end
result for a given problem and thus the solution helps in future course of action.
According to Redman & Mory research is defined as a Systemized effort to
gain new knowledge.
Research Design:
According to Claire Seltiz, a research design is the arrangement of
condition and analysis of data in manner that aims to combine relevance to the
research purpose with economy in procedure.
1.3.1 NATURE OF RESEARCH
Research is basically of two types.
1. Descriptive research
2. Explorative research
Descriptive Research: These studies are concerned with describing the
characteristic of a particular individual or a group.
25
Secondary Data: It consists of information that already exists somewhere and has
been collected for some specific purpose in the study. The secondary data for this
study is collected from various Japanese Management books.
1.3.4 QUESTIONNAIRE
Closed ended questions: Closed ended questions have no other options other than
the selecting the one that close matches the respondents opinion or attitude.
27
Ranking questions: These questions are given when there are many points to be
considered and to be ranked in priority.
1.3.5 LIMITATIONS
28
CHAPTER-2
PROFILE OF ORGANIZATION
29
Bharti AXA Life Insurance is a joint venture between Bharti, one of Indias
leading business groups with interests in telecom, agri business and retail, and
AXA, world leader in financial protection and wealth management. The joint
venture company has a 74% stake from Bharti and 26% stake of AXA.
The company was incorporated on 13th July 2007. Headquartered in Bangalore,
the company currently has 30 branches across India. With a vision to become the
leader and preferred company for financial protection in India, Bharti AXA
General Insurance offers its customers - individuals and businesses- a wide range
of products and services that meet their insurance needs. The company launched
national operations in December 2006. Today, we have over 5200 employees
across over 12 states in the country. Our business philosophy is built around the
promise of making people "Life Confident".
The company will leverage the Bharti Groups large customer pool and develop a
strong multi channel distribution network in both urban and rural markets.
With a customer commitment to provide Fast, Fair & Friendly service in all
aspects of business, the company offers transparency, structured customer support
and trained manpower, backed by a robust IT platform. The companys claims
philosophy is to offer prompt and hassle free claims service that deals with the
claims process with empathy.
The Management team at Bharti AXA General Insurance consists of experienced
leaders who are passionate about their companys vision and goals and are
30
31
BHARTI
list 2007. Bharti Teletech is the countrys largest manufacturer and exporter of
telephone terminals. Bharti has a joint venture with ELRo Holdings India Ltd.
FieldFresh Foods Pvt. Ltd - for global distribution of fresh fruits and vegetables.
Bharti also has a joint venture - Bharti AXA Life Insurance Company Ltd. - with
AXA, world leader in financial protection and wealth management. Bharti has
recently forayed into the retail business under a company called Bharti Retail Pvt.
Ltd. It also has a joint venture Bharti Wal-Mart Private Limited with WalMart, for wholesale cash-and-carry and back-end supply chain management
operations.
AXA Group
33
AXA Asia Pacific Holdings Ltd (AXA APH) is listed on the Australian stock
exchange and is 52.3% owned by AXA SA. AXA APH is responsible for AXA
SAs life insurance and wealth management businesses in the Asia-Pacific region.
It has operations in Australia, New Zealand, Hong Kong, Singapore, Indonesia,
Philippines, Thailand, China, India and Malaysia. AXA APH had a$106.4 billion in
total funds under management and administration at 30 June 2007 and reported a
profit after tax before non-recurring items of A$374.0 million for the six months
ended 30 June 2007.
GROUP SITES
Airtel
34
Bharti Resources
Bharti Foundation
35
To achieve a market position among the top 5 in India through a multidistribution, multi-product platform
To adapt AXA's best practice blueprints as a sound platform for efficient and
profitable growth
To leverage Bharti's local knowledge, infrastructure and customer base
To deliver high levels of shareholder return
To build long term value with our business partners by enhancing the
proposition to their customers
To be the employer of choice to attract and retain the best talent in India
To be recognised as being close and qualified by our customers.
36
Strong partner Bharti - provides access to customer base of more than 130
million
Multi channel execution capability
Current Asia product range which is a strong match to products sold to the
mass and mass affluent
Global scale providing cost effective and speedy re-use of systems, products
and business capability
Strong AXA and Bharti brands which can be leveraged to attract and retain a
high quality management team
HR PRACTICE
37
everyone
Promote ongoing dialogue between managers and the people who report to
them
Make cultural difference a key source of strength
MANAGEMENT PROFILE
38
Glenn Williams is the Chief Executive Officer and Managing Director for Bharti
AXA Life Insurance Co. Ltd. Prior to this, he was the Regional General Manager,
Corporate Development and Strategy for AXA Asia Life.
In this position, Mr. Williams worked with AXA Asia Life's senior management to
expand operations across the region in markets including Hong Kong, China,
India, Indonesia, Malaysia, Singapore, Thailand and the Philippines.
Mr. Williams has been with AXA since 2002 and has held key positions in Hong
Kong and the Philippines. Mr. Williams has over 15 years of experience in the
insurance industry, particularly in the areas of product & pricing actuary,
operations and finance.
In 2006, Mr. Williams led AXA Asia Life's successful integration of MLC and
Winterthur. Prior to joining AXA, Mr. Williams was Marketing Actuary with Swiss
Reinsurance Company in Hong Kong. Mr Williams graduated with a B.Sc (Honor)
from Loughborough University, UK and has been a fellow of the Institute of
Actuaries (UK) since 1998.
39
40
Sushanto Mukherjee is the Chief Distribution Officer for Bharti AXA Life
Insurance Company Ltd. Prior to this; he was Director & Head Partnership
Distribution & Group Business at Max New York Life Insurance Co. Ltd.
He started his career with ITC-Welcomegroup hotels division in 1989. He has
subsequently worked in various reputed organizations such as Xerox, Reliance
Infocomm & Tata AIG in senior positions managing sales at Zonal & National
Levels.Sushanto has over 21 years of experience across Insurance, Telecom,
Hospitality and Office Automation.
He has a strong background in developing & managing partnership channels in
Life Insurance, managing large teams in Retail Distribution and effectively leading
direct sales teams in the Corporate Segment. He is an MBA from Cardiff Business
School United Kingdom.
over the past two decades has emerged as a stalwart in the financial sector. With
over 8 years of rich experience in the Life Insurance industry, today, he stands as a
storehouse of financial knowledge and expertise.
Mark Meehan is currently the Chief Marketing and Operations Officer for Bharti
AXA Life Insurance Company Ltd.
Marks previous role in AXA was that of CEO of Tynan Mackenzie P/L, a
professional investment services company. His role in Bharti AXA Life as CMOO
includes Marketing,Product Development, Customer Service, Underwriting,
Claims, Channel & Distribution Operations, Information Technology and Systems,
Six Sigma, Business Continuity and Client Persistency Management.
42
43
At Bharti AXA Life, we want to take care of your responsibilities in the same way
as you do for your loved ones, with a range of life insurance services. Through our
life insurance products, you can trust us to take care of your family at all times.
You can select the most suitable plan from our host of plans and make buying life
insurance simple and convenient. Each of the plans, right from traditional life
insurance to unit linked life insurance, fall in specified segments and fulfill your
specific objectives. You can learn more about the segment and specific plans
within the segment by clicking on the type of plan.
44
You love your family and feel responsible towards them in every way. But life can
be uncertain and unforeseen contingencies can meet you anytime. At such times,
life insurance comes to your rescue. As someone who wants only the best for their
family, we understand your need to safeguard your family against any crises. Our
protection plans offer you high life cover at nominal costs so that you can fulfill
your responsibility with ease and your family never has to face financial
constraints.
45
You can make your money work harder with our Wealth Creation with Protection
plans.
Whether it is a a comfortable future, bigger home, or even a dream vacation , these
life insurance plans are the best solutions along with the surety of financial
protection. Our life insurance coverage plans include 'traditional' plans that give
guaranteed money on maturity. While, we also offer market-linked plans that give
you the benefit of good market performance to maximise your savings.
these long-term plans by paying life insurance premium, you can earn a regular
income even after you've stopped working. Without having to depend on anyone
else or worry about rising costs, you can go ahead and lead a comfortable
retirement.
47
Given the fast pace of our lives, we always run the risk of acquiring lifestyle
diseases - be it high blood pressure or various heart diseases. Add to this the rising
medical costs because of which, we end up spending increasingly large amounts of
money. Bharti AXA Life offers you Health Plans that ensure freedom from stress
when it comes to your health expenses and let you enjoy your life without any
worries.
With Bharti AXA Life insurance products, provide financial security and protection
to your loved ones. Simple, affordable plans to safeguard your family from life's
uncertainties.
Life Shield, a single premium group term life insurance product, is a simple,
affordable life insurance solution that financially secures the family of the group
member by providing a life insurance cover.
48
Sanjeevani, a single premium group term life insurance product provides financial
security and protection to your loved ones. It is a simple, affordable plan to
safeguard your family from life's uncertainties.
With Bharti AXA Life Credit Protection Plans you can ensure that your family
enjoys a good lifestyle and at the same time is protected from the uncertainties of
life.
49
Bharti AXA Life Credit Secure is a single premium group reducing term life
insurance product, that makes sure your family is not burdened with your loan
liability in your absence. Now you can ensure that your family is protected from
the uncertainties of life even as they enjoy a good lifestyle. In case of an
eventuality, Bharti AXA Life will pay an amount that can used to settle the
outstanding loan amount.
Presenting you with Credit Shield from Bharti AXA Life, a group product - which
protects the family of the borrower in the event of death by paying an amount to
settle the outstanding loan.
CHAPTER-3
50
Definition of Training:
51
Areas of training:
52
Employees need more than bosses. They need mentors: Professionals skilled
at assessing employee development needs and committed to guiding employees
toward professional success.
Team Leadership Workshop provides managers with proven techniques for
effective personnel management. By helping leaders understand and address their
employees' requirements, this interactive seminar offers significant benefit to
managers at all levels. New supervisors gain a solid grounding in the concept of
''leadership,'' while more experienced managers refresh their commitment to
teaching and coaching their team members.
This training program provides healthy perspectives for managers at all
levels, making it an ideal morale-boosting leadership development experience for
mixed groups of front-line supervisors and senior staff members.
Leadership Training for Success
All managers need methods. Leaders need to know the most effective
techniques for guiding teams, mentoring individuals, and validating the results.
53
54
Training is must for every individual when he enters into the organization.
Even though the candidate has experience he also should get training. Why
because the organization culture, values and beliefs are different from one
organization to other. Thats why the training program plays a key role in every
organization.
Training program following Bharti AXA Life Insurance is different at various
levels.
Mainly in training program the company concentrates on sales managers, agents,
operations executives and telecallers.
Training program for sales managers:
The training program duration is 15 20 days
They get training on product knowledge.
Motivating and encouraging Advisors
55
Objection Handling
Interpersonal skills
Excellent communication skills
Understanding nature
Aggressiveness
Convincing skills
Ability to motivate others
Interest to learn
TYPES OF TRAINING & DEVELOPMENT
1. Coaching
56
1. Coaching
2. Continuing Professional Development or CPD
3. E-learning aka Online Learning, Distance Learning, Web-Based Learning
4. Executive education
5. Executive development
6. Leadership development
7. Instructional Animation
8. Instructional Design
9. Instructional Strategies
10.Knowledge Management
11.Organizational Learning
12.Organizational knowledge
13.Mentoring
14.Teaching Method
15.Blended learning
16.Outbound Management Development Programmes
17.Performance Management
57
60
combines two methods of delivery of instruction. However, this term most often
applies to the use of technology on instruction. A good example of blended
learning would be to give a well-structured introductory lesson in the
classroom, and then to provide follow-up materials online.
62
CHAPTER-4
ANALYSIS
1) What is your opinion on training?
OPINION
%AGE
Very Good
46%
Good
28%
63
Bad
10%
16%
Total
100%
16%
10%
Very Good
46%
Good
28%
Bad
Time waste Process
From graph it can be seen that 46% respondents are in favour of very good
training.
2) Do you feel that training will helpful for individual growth?
OPINION
%AGE
Yes
80%
No
20%
Total
100%
64
20%
YES
80%
NO
From graph it can be seen that majority of the respondents are 80%. Only
20% feel that training will not helpful for individual growth.
SATISFACTION LEVEL
%AGE
Satisfied
42%
Partially satisfied
23%
Fully satisfied
5%
Partially dissatisfied
28%
Fully dissatisfied
2%
Total
100%
65
Satisfaction Level
5% 2%
28%
23%
42%
Fully Dissatisfied
Partially
Dissatisfied
Satisfied
Partially satisfied
Fully satisfied
From graph it can be seen that majority of the respondents are satisfied with
the Training Program. Only 2% were fully dissatisfied with the Training
programs.
4) Is there any improvement in performance after getting the training?
OPINION
%AGE
Yes
60%
No
40%
Total
100%
66
40%
60%
YES
NO
From graph it can be seen that majority of the respondents are satisfied with
the appraisal system. Only a meagre 40% were dissatisfied with the
Performance Appraisal programs.
OPINION
%AGE
Agents
50%
Tele Callers
16%
Operation Executives
14%
All
20%
Total
100%
67
20%
50%
14%
16%
Agents
Tele Callers
Operation Executives
All
The needs much knowledge regarding company and products 50% of the
agents.
AREAS
%AGE
16%
54%
8%
22%
Total
100%
68
22%
16%
8%
54%
The training and development is needs to be 54% in the skill based areas.
CHAPTER-5
FINDINGS
69
FINDINGS
70
Employees can avoid mistakes on the job. They can handle jobs with
confidence. They will be more satisfied on their jobs.
CHAPTER-6
71
RECOMMENDATIONS
RECOMMENDATIONS
Company should consider the present competition and should act according
to the customer needs.
It should be like long term training like Fundamental Carrier class, Basic
Carrier class which helps the advisors in different stages.
73
CHAPTER-7
CONCLUSION
CONCLUSION
of trained persons for performing the activities in the systemic way. So, training
program plays a key role in individual as well as organizational performance.
LEARNINGS
Learnings in the on the job training:1) Importance of the training program
2) How the training program will help for the individual as well as
organizational growth.
3) The way to improve communication skills.
4) The way to behave people in corporate world.
75
QUESTIONNAIRE
1. Name:
2. Designation:
3. What is your opinion on training?
Good
Very good
Bad
NO
No
76
No
Tele callers
Operations executives
All
REFERENCES
77
78