Beruflich Dokumente
Kultur Dokumente
KCC Bank
Guided By:
Monika Sharma
(Astt. Prof)
Presented By:
Anvi Sharma
13MBA1027
Company Background
The Kangra central Cooperative Bank Ltd. started in a very humble way as
a small credit society in March 1960 .
In June 1995 it was granted a license to carry out the banking business by
the Reserve Bank of India.
KCC Bank Ltd. is a co- operative bank and its main emphasis is on
agricultural co-operative societies.
Company profile
Leading co-operative bank in North- INDIA.
Head office situated in Dharmshala.
Name
Mr. Jadish Sepahia
Mr. Karan Singh Pathania
Mr. C. paulrasu
Designation
Chairman
Vice- Chairman
Managing Director
Bank has tie- ups with Axis, HDFC and ICICI Bank and also
with Maruti Udyog Ltd.
Project Description
OBJECTIVES
RESEARCH METHODOLOGY
SECONDARY DATA: It was collected from internal sources. The secondary data was collected on the basis of
organizational file, official records, news papers, magazines, management books, preserved information in the
companys database and website of the company.
PRIMARY DATA: All the people from different profession were personally visited and interviewed. They were the
main source of Primary data. The method of collection of primary data was direct personal interview through a
structured questionnaire.
SAMPLING PLAN: Since it is not possible to study whole universe, it becomes necessary to take sample from the
universe to know about its characteristics.
Sampling Units: Different professionals. Chartered Accountants, Tax Consultants, Lawyers, Business Man,
Professionals and Students of Kangra.
Sample Technique: Random Sampling.
Research Instrument: Structured Questionnaire.
Contact Method: Personal Interview.
SAMPLE SIZE: My sample size for this project was 50 respondents. Since it was not possible to cover the whole
universe in the available time period, it was necessary for me to take a sample size of 50 respondents.
No. of Respondents
Percentage
KCC Bank
17
34
Others
33
66
Category
Efficient service
Convenient location
Acquaintance
24
14
8
4
Others
48
28
16
8
No. of Respondents
Percentage
Yes
12
24
No
21
42
No Idea
17
34
Q4. What is your perception about different products/services provided by KCC bank?
Category
No. of
Percentage
Respondents
Lucrative
24
48
Not Lucrative
21
42
No Idea
10
Q5. Are you aware that the KCC bank provides you free phone banking & net banking services.
Category
No. of Respondents
Percentage
Yes
32
64
No
18
36
Q6. Do you think that KCC bank provides innovative products and superior services?
RESPONSE
NO. OF
%AGE
RESPONDENTS
A. Strongly agree
18
36%
B. Agree
15
30%
C. Strongly
10
20%
D. Disagree
14%
TOTAL
50
100 %
disagree
Q7. If you get opportunity in future would you like to be attached with KCC bank ?
Category
No. of Respondents
Percentage
Definitely
20
40
Probably
15
30
Probably not
10
20
Not sure
10
Findings
1. KCC bank should improve their promotional area through different media like T.V, Radio, Print
media etc.
2. Maximum of the customers are dissatisfied with the behavior of employees. From my findings I
found that this behavior of employees is due to the daily routine workload from which they got
stressed.
3. With the changing trend people becoming financial literate by which the demand for banking
sector is increasing.
4. It is found that people have more faith in public sector bank then private bank.
5. People are not much aware about the various products of the bank.
6. Customers choose KCC Bank because of simple procedure and the low interest rates.
7. Most of the customers were satisfied with the overall services of the bank and todays scenario
they recommend to choose KCC Bank.
8. Bank has to employ more employees to get reduce their workload among them.
9. Company should open more branches in different cities.
To make people aware about the benefit of becoming a customer of KCC Bank,
following activities of advertisement should be done through
1. Print Media.
2. Hoarding & Banners.
3. Stalls in Trade Fares 4. Distribution of leaflets containing details information.
The bank should provide life time valid ATM card to all its customers.
Company should organize the program in the society, so that people will be aware
about the company and different products of the bank.
Company should open more branches in different cities.
Conclusion
Through this project, it could be concluded that people are not much aware
about the various products of the bank and many of them not interested to
open an account, to invest money at all. Professionals and businessman are
more attracted towards the products and services provided by the KCC bank
as compare to people in services and students. Services was considered as
unsought good which require hard core selling, but in changing trend in
income and people becoming financially literate, the demand for banking
sector is increasing day by day.