PROJECT REPORT

ON

“UNIVERSAL BANKING”

BACHELOR OF COMMERCE IN BANKING AND INSURANCE

(SEMESTER V)

Under the Guidance of

PROF. BHAKTI MULCHANDANI

Submitted

In Partial Fulfillment of the requirement for the Award of the degree of

Bachelor of commerce in Banking and insurance

Submitted by:
DNYNESHWAR RANGRAO SANDULE
ROLL NO. 1728014

SHRI SIDH THAKURNATH COLLEGEOF ARTS & COMMERCE

ULHASNAGAR – 421 004
UNIVERSITY OF MUMBAI 2017-18.
 DECLARATION

I, DNYANESHWAR RANGRAO SANDULE student of TYBCBI (Bachelor

of Commerce in Banking and Insurance Management) hereby declare that I
have completed the Project on “UNIVERSAL BANKING” in the academic year
2017-18.
The information submitted is true and original to the best of my knowledge.

DNYANESHWAR.R. SANDULE.

{T.Y.BBI}
 ACKNOWLEDGEMENT
My project is a result of the inspiring and thoughtful guidance and supervision of my project
guide PROF. CHANDNI GERELANI I am deeply indebted to her whose help, time, support,
inspiration, stimulating suggestions and encouragement helped me in all the times of research
and writing of this report.
This project has widened my horizon to various areas under general knowledge regarding the
practical and real aspects of “UNIVERSAL BANKING".
I whole heartedly thank all the concerned people at college as well as at university level, who
have given me the chance for preparing this valuable project.
I would further like to thanks our Principal Sir Dr. J.C. Purswani for giving me an opportunity
to complete our Project
Last but not least, this Project has definitely helped me to achieve something which will be
useful to us in near future and hence I am thankful to all persons who have helped in knowledge.
 PREFACE

Decision making is a fundamental part of the research process. Decisions regarding that what

you want to do, how you want to do, what tools and techniques must be used for the successful

completion of the project. In fact it is the researcher’s efficiency as a decision maker that makes

project fruitful for those who concern to the area of study.

Basically when we are playing with computer in every part of life, I used it in my project not for

the ease of my but for the ease of result explanation to those who will read this project. The

project presents the role of financial system in life of persons.

I had toiled to achieve the goals desired. Being a neophyte in this highly competitive world of

business, I had come across several difficulties to make the objectives a reality. I am presenting

this hand carved efforts in black and white. If anywhere something is found not in tandem to the

theme then you are welcome with your valuable suggestions

 Executive Summary

Banking Industry which is basically my concern industry around which my project has to be

revolved is really a very complex industry. In the financial system, the players can be broadly

classified into the following groups: public sector banks, private sector banks, foreign banks, co-

operative banks, all- India financial institutions and non-banks.

The term 'Universal Banking' in general refers to the combination of commercial banking and

investment banking. The concept of universal banking is spreading fast among various types of

banks.

The topic of this project is “Impact of Universal Banking on the Operation of Banks “Because of

the following reasons, I prefer this project work -

Banking is an essential industry. It is where we often wind up when we are seeking a problem

in financial crisis and money related query. Banking is one of the most regulated businesses in

the world.

Findings from the study show that the admission of foreign investors in Indian banking sector,

the competition and the service value also started to increase The idea of 'one stop shopping'

saves a lot of transaction costs and increases the speed of economic activities. It is beneficial for

the bank as well as customers the most serious problem of DFIs have had to encounter is bad

loans or Non Performing Assets (NPA). For the DFIs and Universal Banking or installation of

cutting-edge-technology in operations are unlikely to improve the situation concerning NPAs

India's financial system is currently undergoing a period of revolutionary changes so

much so that, in the very initial phase of the next millennium, its face may be totally

Unrecognizable
OBJECTIVE
 INDEX

SR. Chapter Name Page.

NO No
1 INTRODUCATION

1.1 History of Banking in India

1.2 Banking Structure in India

1.3 Broad Classification of bank in India
1.4 Role of Reserve Bank in India (RBI)
1.5 Challenges in banking sector
1.6 In structural reorganization of the banking system
1.7 OBJECTIVE OF THE STUDY 1.8 SCOPE OF THE
STUDY 1.9 RESEACH METHODOLOGY 1.10
LIMITATIONS OF THE STUDY
2 UNIVERSAL BANKING

2.1 Universal banking in India

2.2 Products and services offered by universal banks

2.3 Universal banking coupled with SWOT

2.4 Impact of universal banking
3 RESEARCH METHODOLGY

3.1 Introduction to research work

4 PROBLEMS AND LIMITATIONS OF THE

RESEARCH
 4.1 Limitations and problems

5 MAJOR FINDINGS
5.1 Findings

6 SUGGESTIONS AND RECOMMENDATIONS

7 CONCLUSION
8 BIBLIOGRAPHY