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lt0lAt ltSTlTuTF 0F PlAttlt6 &

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kCILC1 kLCk1
CN
kL1AIL 8ANkING IN S8I

SuHlTTF0 Y.
SHllPl KuHARl
ATCH- lSF()
SFCTl0t- SH1
l.0 t0.- 01012SSlSF-10048(K0l-4-
KA-1204)

ACKNOWLEDGEMENT

l express my hearLfelL graLlLude Lo Mr vlnod SrlvasLava Lhe branch
manager of S8l(lClMS) branch aLna who asslgned Lo me Lhls
8esearch and Analysls ro[ecL and Lhe 8ank offlclals who gave me
an lnslghL Lo varlous acLlvlLles underLaken by Lhe 8ank

l Lake Lhls opporLunlLy of expresslng my lncalculable lndebLedness
Lo Ms kanchan kumarl Lhe C ln S8l and Mr 8haskar Lhe
CusLomer 8elaLlon LxecuLlve who spared Lhelr valuable Llme ln
furnlshlng adequaLe lnformaLlon for Lhe ro[ecL and gulde me
LhroughouL Lhe maklng of Lhe ro[ecL wlLhouL Lhelr help Lhe
compleLlon of Lhls work would noL have been posslble

l Lhank my frlends who Llme Lo Llme gave me useful suggesLlon
for Lhe maklng of Lhls ro[ecL

TABLE OF CONTENTS

CHAPTER NO. TOPIC PAGE NO.
1. EXECUTIVE SUMMARY...5
2. INTRODUCTION...... 7
3. PRO1ECT OB1ECTIVE....8
4. BODY OF THE REPORT..9
(4.1) COMPANY PROFILE......10
(4.2) SECTOR OVERVIEW....16
(4.3) DETAILS OF ACTIVITIES...21
5. RESEARCH METHODOLOGY.40
6. FINDINGS..........45
7. RECOMMENDATIONS.....46
8. CONCLUSION.........47
9. IILUSTRATION & ANNEXURE..48
10. BIBLIOGRAPHY.........49

LIST OF TABLES
TABLE NO. TABLE CONTENT PAGE NO.
..1) HOME LONE 26-27
..2) CAR LONE 31
..3) PLATINUM CARD 36
..4) GOLD CARD 38

LIST OF FIGURE
FIG. NO. TITLE OF FIG. PAGE NO.
.. MARKET SHARE 11
.. CIBIL 19
.. HOME LOAN 22
.. EDUCATION LOAN 32
.. PLATINUM CARD 36
.. GOLD CARD 37
.. CREDIT CARD 39

CHAPTER-1
EXECUTIVE SUMMARY

The Project ' Retail Banking deals with the direct relationship
with the customer. It provides direct services to the customer. The
Retail Banking analyses the various product like Saving and
checking accounts, p-segment loans like Home loan, Education loan,
car loan, Credit cards, CertiIicates oI Deposits and others
investment services like mutual Iunds and Iixed deposits.
The main aim oI this project is to study the various Iield
operates in the Bank. We came to know about p-segment loans.
The loans are basically two types- SME(Small and Medium
Enterprises), and P-segment loan like home loan, education loan,
and car loan. But we have to study only the P-segment loan in
case oI Retail Banking. We can see that how rate oI interest Ior
loan diIIer Ior diIIerent banks and various Iactor required Ior
taking loan. The education loan are preIerred by most oI the
students Ior their Iuture education. We can also study the
advantages & disadvantages oI credit card and the various schemes
oIIered by S.B.I in which investors invest the most. The mutual
Iunds and Iixed deposits are the best investment schemes in
which most oI the investors would like to invest. But mutual
Iunds schemes are used by a limited number oI customers as the
concept is not clear to everyone. Similarly, the credit cards are

used by Iew customers due lack oI proper knowledge . So, the
bank is required to increase their sources oI providing inIormations
to the customers.
The research will help to understand about the various viewpoints
oI the customers by which company can easily make out where it
is exactly lagging behind vis-a-vis customers expectations. The
survey method is used wherein structured Questionnaire & data
collection has been used as a research instrument. And Iinally the
analyzed data will later on converted into Pie graphs and Bar
graphs Ior illustration.

CHAPTER-2
ltTR00uCTl0t
Retail Banking in India has Iast emerged as one oI the major
drivers oI the overall banking industry and has witnessed
enormous growth in the recent past. It covers the 22 oI the
total banking asset oI India.
Retail Banking Report encompasses extensive study & analysis
oI this rapidly growing sector. This report helps in Banks, Iinancial
institution, MNC Banks, academicians, consultants, and researchers to
have a better understanding oI the booming opportunities in the
Retail banking in India.
Retail Banking reIers to banking in which banking institution
execute transactions directly with consumers, rather than
corporations or other banks. That`s why Retail banking is also
called personal banking services. The most basic Retail Banking
services includes saving & checking accounts, p-segment loan like
home loan, car loan, education loan and credit cards, certiIicates oI
deposits, & other investment services like mutual Iund & Iixed
deposits.
Retail Banking is a highly competitive market. Bank can compete
with interest rates, account perks such as credit monitoring and
other services designed to entice customers.

CHAPTER- 3
PR0JFCT 0JFCTlvF
OBJECTVE

1he maln ob[ecLlve of Lhe lnLernshlp ro[ecL ls Lo galn experlence
abouL how Lo work ln a 8ank llke S8l or ln any company lL
helps ln undersLandlng Lhe real world funcLlons lL glves us
maxlmum Llme for exposure and learnlng

1he ro[ecL 8eLall 8anklng deals wlLh provldlng dlrecL servlces Lo
cusLomers and execuLe LransacLlons dlrecLly wlLh Lhe cusLomers
We acqulre knowledge abouL lLs varlous producL llke Savlng
currenL accounLs home lone car lone educaLlon loan deposlLs
credlL card and lnvesLmenL servlces We can able Lo see how
Lhese Lhlngs works pracLlcally

lL also lnfluences our career plan and seL up our mlnd for Lhe
fuLure plannlng

CHAPTER- 4
BODY OF THE REPORT

Body oI the Report includes the whole description oI the activities
Irom starting to end. It includes each and every things which we
have done while preparing the project and the whole overview oI
the sector on which the project is prepared. It basically includes
the Iollowing three things-

a) COMPANY PROFILE
b) SECTOR OVERVIEW
c) DETAILS OF THE ACTIVITIES

10

SUB-CHAPTER-4.1
COMPANY PROFILE

State Bank of India is an India-based bank. In
addition to banking, the Company, through its subsidiaries,
provides a range of financial services, which include life
insurance, merchant banking, mutual funds, credit card,
factoring, security trading, pension fund management and
primary dealership in the money market. It operates in four
business segments: Treasury, Corporate/Wholesale Banking,
Retail Banking and Other Banking Business. The Treasury
segment includes the investment portfolio and trading in
Corporate/Wholesale Banking segment comprises the
lending activities of Corporate Accounts Group, Mid
Corporate Accounts Group and Stressed Assets
Management Group. The Retail Banking segment consists of
branches in National Banking Group, which primarily
11

includes personal banking activities, including lending
activities to corporate customers having banking relations
with branches in the National Banking Group.

MARKET SHARE OF S.B.I
1

CUSTOMERS-
The customer oI the S.B.I bank are the investors, others Iinancial
institution and MNC banks.

PRODUCTS AND SERVICES-
The Iollowing are the details oI the various products and services
provided by the S.B.I bank in the various Iield-

1.) PERSONAL BANKING OR
RETAIL BANKING

2.) BANKING SERVICES
3.) NRI SERVICES
4.) INTERNATIONAL BANKING
5.) CORPORATE BANKING
6.) AGRICULTURAL BANKING

1

PRODUCT AND SERVICES DETAILS-
A) PERSONAL BANKING-
1.) PERSONAL FINANCE
2.) DEPOSIT SCHEMES
3.) SERVICES

B) NRI SERVICES-
1.) DEPOSIT ACCOUNTS
2.) OPENING OF NRI ACCOUNT
3.) NRI HOME LOAN
4.) REMITTANCES TO INDIA
5.) NRI CAR LOAN SCHEMES

C) INTERNATIONAL BANKING-
1.) CORRESPONDENT BANKING
2.) TRADE FINANCE
3.) PROJECT EXPORT FINANCE
4.) MERCHANT BANKING
5.) TREASURY
6.) EXPORTER GOLD CARD
1

D.) AGRICULTURE/ RURAL
1.) MICRO CREDIT
2.) AGRICULTURE BANKING
3.) REGIONAL RURAL BANK

E.) CORPORATE BANKING-
1.) MID CORPORATE GROUP
2.) CORPORATE ACCOUNT GROUP(CAG)
3.) PROJECT FINANCE
4.) GOLD BANKING

CROSS SELLING PRODUCTS OF S.B.I-

MUTUAL FUNDS LIFE INSURANCE
GENERAL INSURANCE CREDIT CARDS

1

SBI currently has over 10,000 branches and more than 8,500
ATMs. The bank has also launched electronic channels like
debit cards, Internet banking and mobile banking to enhance its
reach among the customers. The associate banks oI SBI have
set up more than 5,100 branches. SBI is globally present with 82
overseas oIIices in 32 nations..

1

Su-CHAPTFR-4.2
SFCT0R 0vFRvlFw

Sector overview means the speciIic sector oI the S.B.I
Bank in which we have done our internship. I have done
my internship in the ' Retail Banking `` sector oI S.B.I
Bank. It deals with direct relationship with the customers.
It basically includes Personal loan, Saving & checking
account, CertiIicates oI deposit and other investment
services like Mutual Iund & Iixed deposit. All these Iield
provides great opportunities to be explored.

# SAVING and CHECKING ACCOUNT-
Saving accounts are accounts maintained by retail Iinancial
institutions that pay interest but cannot be used directly as
money . The account let customers set aside a portion oI
their liquid assets while earning a monetary return.

1

The Iollowing pie-chart shows the diIIerent division oI the
area Retail Banking-

The direct cash transactions with the customers covers a
important part oI the Retail Banking. The cash transactions
includes mainly deposits and payments.

1

# CERTIFICATES OF DEPOSITS-(CDs)-
CDs is a time deposit, a financial product commonly
offered to consumers in United States by banks, thrift
institutions & credit unions. CDs has a specific fixed
term ( often three months, six months or one to five
years) and usually a fixed interest rate. It is intended
that the CDs be held until maturity, at which time the
money may be withdrawn together with the accrued
interest.

1

CREDIT INFORMATION BUREAU (INDIA)
LIMITED-
Cibil is India`s Iirst credit inIormation bureau. It is a reposi
tory oI inIormation which contains the credit history oI
commercial and consumer borrowers. It provides this
inIormation to its members in the Iorm oI credit
inIormation reports(CIR).
A Credit InIormation Report(CIR) is a Iactual
record oI a borrower`s credit payment history compiled
Irom inIormation received Irom diIIerent credit grantors. Its
purpose is to help credit grantors make inIormed lending
decision quickly and objectively.
Cibil primarily gets inIormation Irom its
members only and at a subsequent stage will supplement it
with public domain inIormation in order to create a
trulcomprehensive snapshot oI an entity`s Iinancial track
record.

0

CIBIL VARIOUS SHAREHOLDINGS DISTRIBUTION

S.B.I get 10 shareholding distribution of
CIBIL.

1

SUB-CHAPTER-4.3
DETAILS OF THE ACTIVITIES

The details oI the activities is the practical part oI
the project. It deals with the Iacts that how the
diIIerent area oI the Retail Banking runs practically
in the bank. Starting Irom the loan department we
can see that how the process oI taking loans actually
works.
The personal(p) segment loan comes under the Retail
Banking. It contains mainly -
1.) HOME LOAN
2.) EDUCATION LOAN
3.) CAR LOAN

1.) HOME LOAN-

Home loan is preIerred by most oI the persons due to low interest
rate and advantages as mentioned above. The home loan is mainly
provided to any person on the basis oI EMI/NMI ratio , margin oI
a customer Ior a given amount oI loan and the security provided
by the customer to the bank and his/her Net Annual Income.

DOCUMENTS REQUIRED
FOR TAKING HOME LOAN-

We need to submit the Iollowing documents along with
the completed application Iorm-

1.) Statement oI bank account oI the borrower Ior last
12-months.
2.) 2-passport size photographs oI borrower.
3.) Signature identiIication Irom bankers oI borrowers.
4.) A copy oI passport /voters ID card/ PAN card
5.) ProoI oI residence
6.) Latest salary slip showing all tax deduction.
7.) I.T.Returns
8.) Address ProoI

CHECK LIST FOR HOME LOAN

1.COMPLETE FLLED UP APPLCATON FORM

1.MAX. AGE FOR REPAYMENT 70 YRS.

2.AGREEMENT TO SELL &COMPLETE CHAN OF DOCS.

3 TPG GOOD FOR THE LOAN

4 APPROVED MAP

5 FEE FOR NEC Rs.1700/- & VALUATON Rs.1500/-

6 PROCESSNG FEE @ 0.5% OF LOAN AMT.

PHOTOGRAPFS, SGNATURES & ALL PHOTOCOPES VERFED &
SGNED.
8 PHOTO D - PAN CARD / VOTER'S CARD / OFFCE . CARD
9 RESDENCE PROOF

10 PERMANENT RES. ADD . N CASE OF RENTED HOUSE

11 KYC OF SELLER

12 ASSETS & LABLTES STATEMENT WTH SUPPORTNG DOCS.
13 CBL APPLCANT, CO APPLCANT

14 OTHER EMs N CBL & BANK STATEMENT

15 EM / NM RATO

FOR SB REALTY

NA<2 LAC 40%

30%

NA>2- 5 LAC 50%

40%

>5 LAC 55%

45%

> 10LAC 55%

60%

EM PER Rs.100000/-UPTO 30 LACS SPL. HOME LOAN

9.75% 5YR 2113

9.25%

10.00% 15YR 1075

9.25% 15 YR 916/-

10.25% 20YR 982

9.25% 20 YR 1029/-

10.25% 25 YR 927

MARGN MAX.20% FOR LOANS YPTO 75 LACS & ABOVE THS MAR-
GN 25%
17 SOURCE OF MARGN

18 DREAM HOME

FOR SALARIED PPERSONS

19 BANK STATEMENT FOR 12 MONTHS OF SALARY A/C.

20 LATEST SALARY SLP

21 LATEST 2 YRS. FORM 16

FOR SELF EMPLOYED

22 COMPLETE SET OF LATEST 3 YEARS TRS WTH ENCLOSURES

COMPUTATON SHEET, P/L STATEMENT, BALANCE SHEET
23 COPES OF CHALLANS OF ADVANCE PAYMENT OF .TAX

24 PROOF OF BUSNESS

25 LATEST BANK STATEMENT OF BUSNESS & PERSONAL A/C. FOR

12 MONTHS.

FOR TAKE OVER

26 LST OF DOCUMENTS HELD BY THE BANK

27 UPDATED BANK STATEMENT OF LOAN A/C.

28 LETTER BY BANK WHCH CONTANS FORECLOSURE AMT.
29 FORM - 13A & FORM - 13B

30 CONFRMATON BY THE Br. FOR TAKE OVER NORMS

INTEREST RATE FOR HOME LOAN OF
DIFFERENT-
BANK NAME INTEREST RATE RATE TYPE INDEX NO.
1.)
HDFC
10.25 Iloating
upto 30 lakhs.
10.50 Iloating
Irom 30 to 75
lakhs, 10.75 above
75 lakhs
Monthly
reducing
RPLR 16
2.)
AXIS
HOME
LOAN
9.5 Iloating
upto 20 lakhs,
9.75 upto 20 to
30 lakhs,10 upto
30 to 75
lakhs,10.75
above 75 lakhs
Monthly
reducing
Base rate 9
3.)
ICICI
HOME
LOAN
10 upto 25
lakhs,10.5 upto
25to75 lakhs,10.75
Above 75 lakhs.
Monthly
reduciny
Base rate 9.25

4)
IDBI BANK
9.5 Iloating upto
20lakhs,10.5
above 30to below
75 lakhs,11 Ior
75 lakhs and
above.
Daily reducing Base rate 9.5
5.)UNION
BANK

10.5 Iloating to
11.75 Iloating
Daily reducing Base rate 10
6.)S.B.I
10.25 Iloating
upto 30
lakhs,10.75
Iloating Irom 30 to
75 lakhs,11.25
above 75 lakhs
7.)CANARA
BANK
10.5 to 14

FOR S.B.I HOME LOAN:
1.) REPAYMENT PERIOD-
-upto 35 years oI age (maximum period oI 25 years)
-over 45 years oI age (maximum period oI 15 years)

2.)MARGIN-
-home loan under construction and upto 75 lakhs a
20 margin
-Ior ~ Rs 75 lacs -25 margin
-ready Ior possession -15 margin

3.)SECURITY-
-borrower should satisIy the eligibility criteria Ior
availing home loan
-regular servicing oI installment.

2.)CAR LOAN-

The S.B.I provides comparatively low rate oI interest
On the car loan as compared to many others Banks.

Car loan is generally preferred by medium income
Class people.

0

CHECK LIST FOR CAR LOAN

1 COMPLETE APPL. FORM-- OFFCE ADD. EMPLOMENT DETALS, REPAYMENT
1 PROCESSNG FEE @ 0.5% OF LOAN AMT.
2 PHOTOGRAPFS SGNATURES & ALL PHOTOCOPES VERFED & SGNED BY
4 RESDENCE PROOF

PERMANENT RES.ADD. N CASE OF RENTED HOUSE
5 QUOTATON

9 EM / NM RATO < 50%

EM PER Rs.100000/-

11.75% 60M 2212

12.00% 84M 1766
10 MARGN MAX.15%
11 SOURCE OF MARGN
11 PSS WORKPLACE ON ________BY_________ & RESDENCE ON ________ BY
12 DREAM HOME
13 SCORE CARD



FOR SELF EMPLOYED

1

16 PROOF OF BUSNESS
17 LATEST BANK STATEMENT OF BUSNESS & PERSONAL A/C. FOR 12 MONTHS

# INTEREST RATE FOR CAR LOAN OF
DIFFERENT BANK-
BANK NAME INTEREST RATE RATE TYPE
1) HDFC
8.5 to 7.5 Iixed Monthly reducing
balance.
2)ICICI

9.75 to 11 Iixed Monthly reducing
balance
3)AXIS BANK
9.25 to 12 Iixed Monthly reducing
balance
4)S.B.I
8 in 1
st
year , 10 to
11.5 Iixed in next
year
Monthly reducing
balance
5)UNION
BANK
11 to 11.25 Iloating Monthly reducing
balance

3.)EDUCATION LOAN-

Education loan is the most important loan Ior the Students.

Education loan is preIerred by almost 80 student Ior their Iuture study.
It is proved to be very helpIul Ior the student especially middle class Ior
Continuing their study and makes their Iuture bright.

CHECK LIST FOR EDUCATION LOAN-

1

PHOTOGRAPFS SGNATURES & ALL PHOTOCOPES VERFED & SGN
BY THE Br.
3 RESDENCE PROOF
4 QUOTATON OF MOTOR CYCLE(MAX. 50000/-) COMPUTER
8 SOURCE OF MARGN



FOR SELF EMPLOYED

14 PROOF OF BUSNESS
15 LATEST BANK STATEMENT OF BUSNESS & PERSONAL A/C. FOR 12 MON

LOAN > 4 LACS GUARANTOR'S DOCS.
16 MARGN @ 5%
17 BANK STATEMENT
18 PAN CARD & RES. PROOF
19 CBL
20 ASSETS & LABLTES STATEMENT

LOAN > 7.5 LACS COLLATERAL SECURITY
1 PROPERY PAPERS

GRAPH-

The following graph shows the number of households with their
Education loans-

# CREDIT CARDS-

- CREDIT CARDS is one oI the most important product oI
S.B.I
- S.B.I cards makes liIe simple , live a liIe without worries.

- S.B.I credit cards are basically two types-
1)PLATINUM CARD-
a)S.B.I Platinum card
b)S.B.I Advantage Platinum Gold

2)GOLD CARD-
a)S.B.I Gold Credit Card
b)S.B.I Advantage Gold Card
c)S.B.I Advantage Plus Card

1)PLATINUM CARD-

1he followlng are feaLures and beneflLs of S8l
laLlnum card

1)ANNUAL FEES Rs.2,999
2)JOINING GIFTS

Return air tickets Irom KingIisher
airlines and complementary giIts
voucher pack.
3)CREDIT LIMIT Upto 5,00,000 Rs

4)INTEREST RATE 3.35 p.m.( 1.99 p.m. Ior
advantage card)
5)EASY BILL PAY YES and at a 0 rate oI interest.
6)FUEL SURCHARGE WAIVER 2.5 Iuel surcharge waiver at all
petrol pumps

# GOLD CARDS-

The Iollowing Iollowing are the Ieatures and beneIits oI GOLD
CARDS oI S.B.I-

1)ANNUAL FEES Rs.499
2)JOINING GIFTS Complimentary voucher packs
3)CREDIT LIMIT Upto Rs.1,75,000
4)INTEREST RATE 3.35 P.M.(1.99 p.m. Ior
advantage card)
5)EASY BILL PAY YES
6)FUEL 2.5 Iuel surcharge waiver at all
petrol pumps.

1he fo||ow|ng are the factors that |eads someone to
take cred|t cards

0

CnA1Lk S
kLSLAkCn ML1nCDCLCG

8esearch meLhodology referred Lo a search for knowledge lL can
also be deflned as a sclenLlflc sysLemaLlc search for perLlnenL
lnformaLlon on a speclflc Loplc ln facL research ls an sclenLlflc
lnvesLlgaLlon or [usL a movemenL from unknown Lo known lL ls
Lhe pursulL of LruLh wlLh Lhe help of sLudy observaLlon
comparlson and experlmenL lL lncludes
1)ueLermlnlng sources of daLa
)lormulaLlng Lhe research problems
)Crganlzlng and conducLlng fleld survey
)ossesslng and analyzlng collecLlve daLa

# uaLa collecLlon meLhods
1hey are of Lypes
1)rlmary
)Secondary

1

1)8lMA8? uA1A CCLLLC1lCn ML1PCuS
rlmary daLa can be collecLed by survey approach quesLlonnalre
lnLervlew observaLlon approach and experlmenLal research

)SLCCnuA8? uA1A CCLLLC1lCn ML1PCu
Secondary daLa can be collecLed by
a)WebslLes
b)Speclallzed llbrary
c)lmporLanL books

# SUkVL AND IN1LkkL1A1ICN

ULS1ICNNAIkL
1)uo you lnvesL Money?
no of people saylng
a)?LS 0
b)nC0
lnLerpreLaLlon whlle survey ln Lhe markeL lL has been
found LhaL no of people do lnvesLmenL ls 0

)lf yes ln whlch avenous you lnvesL?
no of people lnvesLlng ln
a)MuLual fund
b)llxed deposlL
c)Share markeL resL
lnLerpreLaLlon MosL of Lhe people lnvesL ln Lhe muLual
fund

)Would you llke Lo open your own savlng accounL?
no of people saylng
a)?LS 0
b)nC 0
lnLerpreLaLlon AbouL 0 people would llke Lo open Lhelr
own savlng accounL

)Would you llke Lo Lake loan?
eople belonglng Lo
a)lower lncome

b)Mlddle lncome
c)Plgher lncome 1

)Are you faclng problems whlle Laklng loan?
no of people saylng
a)?LS 0
b)nC0
lnLerpreLaLlon very few people are faclng problems whlle
Laklng loan

)Would you llke Lo Lake loan for your fuLure educaLlon?
no of sLudenLs saylng
a)?LS0
b)nC0
lnLerpreLaLlon MosL of Lhe sLudenLs prefer loan for Lhelr
fuLure sLudy

)Would you llke Lo buy car Lhrough car loan?

a)Lower lncome people0
b)Mlddle lncome people
c)Plgher lncome people
lnLerpreLaLlon Malnly mlddle lncome people buy car
Lhrough car loan

)Would you llke Lo use credlL card?
no of people saylng
a)?LS
b)nC
lnLerpreLaLlon MosL of Lhe people are noL uslng credlL
card

)Are you faclng problems wlLh Lhe S8l servlces?
no of people saylng
a)?LS0
b)nC0

CnA1Lk6
IINDINGS
- Most of the peop|e are |nvest|ng the|r money |n 8anks
- About 70 peop|e wou|d ||ke to open the|r own sav|ng
account
- About 80 students prefer educat|on |oan
- Most of the peop|e are unaware of the concept of cred|t
cards
- Cn|y 20 peop|e are fac|ng prob|em w|th the bank|ng
serv|ces
- S8I prov|des a good reta|| bank|ng serv|ces to the
customers

CnA1Lk7
kLCCMMLNDA1ICNS

- Many peop|e st||| wants to know the concept of
mutua| fund cred|t card etc 1hus they need to
prov|de more |nformat|on to the peop|e
- Loans and depos|ts scheme shou|d have a perfect
b|end of safety returns and tax benef|ts
- 8anks shou|d have to regu|ar check out the prob|em
Cf the customer

CnA1Lk No8
CCNCLUSICN

8eLall 8anklng ls one of Lhe mosL lmporLanL secLors of Lhe bank
S8l bank 1hrough reLall banklng we came Lo know abouL Lhe
expecLaLlons of Lhe cusLomers for Lhe producLs lL ls used Lo reLaln
Lhe exlsLlng user and Lo converL Lhe new prospecLs lnLo buyers
We came Lo know abouL Lhe varlous producL servlces offered
by Lhe 8ank
We sLudy Lhe varlous lnvesLmenL schemes offered by S8l and ln
whlch schemes Lhe lnvesLors lnvesL Lhe mosL and also Lhe facLors
LhaL affecLs Lhe cholce of Lhe lnvesLors MosL of Lhe cusLomers llke
Lo lnvesL ln S8l due Lo low raLe of lnLeresL Many cusLomers do
flxed deposlL ln S8l due Lo lLs new deposlL schemes le lnLeresL
raLe of for 1000 days for general and for Lhe senlor
clLlzen S8l ls one of Lhe besL banks for Laklng loan and for
openlng savlng accounL
1hus S8l proved Lo be one of Lhe sLrongesL banks ln Lhe hlghly
compeLlLlve markeL

CnA1Lk No9
I||ustrat|ons and Annexure

Var|ous Iorms of S8I

1)AccounL openlng form
)CredlL card form
)llxed ueposlL form

CnA1Lk No10
8I8ILICGkAn
8lblllography used ln Lhls ro[ecL are
1)WebslLes
wwwsblonllnecom
wwwhomelonecom
)8ooks
)Speclallzed llbrary
)newspaper llke 1lmes Cf lndla
)Magzlnes llke raLlyoglLa uarpan

0

1

0

1

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