A Synopsis of The Research Project on

ROLE OF COMMERCIAL BANKS IN RURAL CREDIT WITH

REFERENCE TO ICICI BANK AGRA

Submitted to Mahamaya Technical University, Noida in the partial fulfillment of the requirement for the award of the Degree of Master of Business Administration (MBA)

Session 2011 12

Under the guidance of Ms. Payal Garg Asst. Professor

Submitted by : Ashutosh Katiyar M.B.A. IVth Semester Roll No. : 1000570010

FACULTY OF MANAGEMENT AND COMPUTER APLICATION (R.B.S. College, Khandari Farm Campus, Agra-282002)

INTRODUCTION
ICICI Bank is the largest private sector bank in India in terms of market capitalization. It is also the second largest bank in India in terms of assets with a total asset of Rs. 3,674.19 billion (US$ 77 billion) as on June 30, 2009. For the quarter ended on June 30, 2009, the total profit after tax has been Rs. 8.78 billion. Formerly known as Industrial Credit and Investment Corporation of India, ICICI Bank has an extensive network of 1,544 branches with about 4,816 ATMS located across India and in 18 other countries. ICICI Bank serves over 24 Million customers throughout the world. It is considered as one of the Big Four Banks in India along with State Bank of India, HDFC Bank and Axis Bank. ICICI Bank provides a wide array of banking products and financial services to its retail and corporate customers. It has a wide variety of delivery channels and specialized affiliates and subsidiaries that ensure the flow of its offerings in the areas like investment banking, venture capital, life and non-life insurance and asset management. This bank is also India's largest credit card issuer. The equity share of ICICI Bank is listed on various stock exchanges like NSE, BSE, Kolkata Stock Exchange and Vadodara Stock Exchange etc. Its ADRs are also listed on the New York Stock Exchange. ICICI Bank also has the largest international balance sheet among all the banks in India. It is also expanding its business in the overseas market at an enviable pace. In Q2 September 2008, ICICI Bank recorded a 1.15% growth in net profit over Q2 September 2007 to reach at Rs. 1,014.21 crores. The current and savings account (CASA) ratio of the bank also went up from 25% in 2007 to 30% in 2008.

OBJECTIVES OF THE STUDY: The objective of the Research project report is to study the various aspects of rural credit in India and major changes taken place in the Arena of rural credit during past years. To know about environmental factors affecting ICICI Banks performance in rural. To analyze the role of advertisement for bank performance in rural. To know the perception and conception of customers towards banking products and specially focused for ICICI Banks product. To explore the potential areas for the new bank branches which will provide both price and people to the bank with constant promotion and placing strategy.

RESEARCH METHODOLOGY
Research methodology is a way to systematically solve the research problem. It may be understood as a science of studying how research is done scientifically. In it we study the various steps that are generally adopted by researcher in studying his research problem along with the logic behind them. It is necessary for the researcher to know not only the research methods/techniques but also the methodology. Researchers not only need to know how to develop certain indices or tests, how to calculate the mean, the mode, the median or the standard deviation or chi-square, how to apply particular research techniques, but they also need to know which of these methods or techniques, are relevant and which are not and what would they mean and indicate why. Researchers also need to understand the assumptions underlying various techniques and they need to know the criteria by which they can decide that certain techniques and procedures will be applicable to certain problems and others will not.Thus, it is necessary for the researcher to design his methodology for his problem asthe same may differ from problem to problem.Thus, we can say that research methodology has many dimensions and research methods do constitute a part of the research methodology. The scope of the research methodology is wider than that of research methods. In research methodology we not discuss the research methods but also consider the logic behind the methods we use in the context of our research study and explain why we are using a particular method or technique an we are not using others. When we study research methodology concerning a research problem or study, a number of questions are answered, such as:

Sources of Data

The task of data collection begins after a research problem has

been defined and research design/plan checked 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, primary and secondary.

Primary Data

Primary data may be described as those data that have

been observed and recorded by the researchers for the first time of the Secondary Data

Secondary data are statistics not gathered for the

immediate study at hand but for some other purpose. Sampling size -50 Sample area- AGRATO

Chapter Plan
CHAPTER-1. AN OVERVIEW OF BANKING INDUSTRY CHAPTER-2. A PROFILE OF ICICI BANK CHAPTER-3. OVERVIEW OF RURAL CREDIT CHAPTER-4. RESEARCH METHODOLOGY DATA ANALYSIS CHAPTER-5. SUGGETIONS AND FINDINGS CHAPTER-6. CONCLUSIONS