A

SUMMER TRANING PROJECT REPORT

ON
CUSTOMER PERCEPTION ABOUT
SERVICES OF CENTRAL
CO-OPERATIVE BANK



GURU JAMBHESHWAR UNIVERSITY OF
SCIENCE & TECHNOLOGY,HISSAR

In partial fulfillment of MASTER OF BUSINESS ADMINSTRATION



Submitted To:- Submitted by:-
Ms.Julee Khokhar Deepak Kamboj
Asst.Professor ROLL NO-1211310064
(MBA:-2012-2014)


JCD INSITUTE OF BUSINESS MANGEMENT,SIRSA
SESSION-2012-2014

DECLARATION


I Deepak Kamboj a student of MBA III Semester (2012-2014), at JCD Insitute of Business
Management, Sirsa hereby declare that this Project Report under the title A Study On
Customer Perception About Services Of Central Co-Operative Bank is the record of my
original work under the guidance of Ms. Julee khokhar. This report has never been submitted
to anywhere else for award of any degree/diploma.




DEEPAK KAMBOJ













GUIDE CERTIFICATE


This is to certify that the project A Study On Customer Perception About Services Of
Central Co-Operative Bank submitted to JCD INSITUTE OF BUSINESS
MANGEMENT,SIRSA in partial fulfillment of the requirement for the award of Master of
Business Administration (MBA) is a bona fide work carried out by Deepak Kamboj, a student
of MBA III Sem, under my supervision and guidance. The project was carried during 15.06.2013
to 31.07.2013 in The Sirsa Central Co-Op. Bank LTD.




Dr.Kuldeep Singh Project Guide
Principal Ms.Julee Khokhar
JCD Institute Of Business Management Asst.Professor










ACKNOWLEDGEMENT
Heartfelt Thanks to the following people..
A few typewritten words of thanks can not really express the sincerity of my gratitude. But I am
still trying to put into words my gratefulness towards all who have helped & encouraged me in
carrying out this project.
Any work-study is never an individual own effort. It is contributed effort of many hearts, hands
and heads. I give my great sense of privilege in submitting this project work, for which I am
grateful and indebted to Mr. HARISH CHANDER (BRANCH MANAGER) for allowing me
and also for help to undergo my training and to do this project at This Bank
Further, I would also like to thank all the Employees of THE SIRSA CENTRAL CO-
OPERATIVE BANK,SIRSA and all the respondents of survey, without whom it would be
impossible for me to complete the project.

(DEEPAK KAMBOJ)











PREFACE

Responsibilities for the economic development of India by taking banking services to the masses
and taking special care of the weaker section of the society and the priority sector of the
economy. Though the number of banks offices magnitude and the variety of their operations
have grown considerably during the period of near about three decades, but The introduction and
application of the concept of customer services entered in a welcoming way in India only after
independence. The banking system in India has come a long way during the last two centuries.
Its growth was faster and the coverage wider since 1960. In 1969, a major portion of banking
sector was entrusted to the public sector. This process continued and embraced few private sector
banks in 1980.
The transfer of ownership of banks from the public to private was aimed at entrusting the banks
with greater it appears that the banking sector has entered into serious business among
customers.
For overcoming this problem, banking industry should seek introspection and adopt refined
management techniques. It has been endeavors of this study to analyze the present state of
various banks keeping in view the primary data has been collected regarding the present state of
loan schemes in various banks by using a questionnaire.









Executive Summary

ENSURE ME A GOOD PANCHAYAT, A GOOD SCHOOL AND A GOOD
CO-OPERATIVE SOCIETY: I WILL ENSURE YOU THE RAMRAJYA

PANDIT JAWAHARLAL NEHRU

This is a study to understand the causes for success or failure of co-operative societies banks.
The Co-Operative Societies Banks are mainly divided into rural cooperative societies banks and
urban cooperative societies banks. Here we are studying the entire structure of co-operative
societies banks giving much emphasis on rural CSBs. We are evaluating the strategies of CSBs
with regards to their success and failure and attempting to implement the strategies of successful
CSBs to those, who that are a failure CSB to minimize the problems faced by them. Based on the
survey-conducted by us, we assume that the main reasons for the failure of rural co-operative
societies banks.
Inefficient fund management
Poor recovery methods
Political interferences
Lack of control & Supervision
By analyzing these causes we will be able to locate the loopholes in the CSBs, which will help in
eliminating the problems faced by these banks. Although the cooperative banks established on
the patterns of Raiffeisen and Schulze Delitzch patterns have made substantial progress in India,
the movement can not be termed as a vibrant one in regard to cooperative values and philosophy
as enunciated in cooperative principles. While the extension of financial sector reforms
programme mainly the prudential standards to cooperative banking segment on par with
commercial banks may be justified on several counts, it can not be ignored that such standards
were essentially contrived for the latter. Logically, if the prudential standards, and supervision
and regulation for cooperative banks were same as that of commercial banks, then there would
not be any difference worth mentioning between these entities other than the holding pattern.
The notion of a code of good practices though intuitively appealing, the temptation to prescribe
universally valid model codes which do not allow for differences in institutional development,
legislative framework and more broadly, different stages of development must be avoided. The
increasing external intervention in the era of reforms, many a times beyond the functional
aspects of cooperative banks has resulted in the dilution of cooperative character in terms of their
adherence to cooperative principles. The paper identifies several broad areas for the
intervention of researchers under three categories, i.e., prudential standards, professional
management and governance and supervision & regulation against the backdrop of financial
sector reforms. While maintaining the thrust on cooperative character throughout the
discussions, it is argued that if cooperative character of credit cooperatives is to be preserved or
promoted, then the prudential norms, system of governance and supervision & regulation, all
should emanate from the guiding principles of cooperation.











CONTENTS

o INTRODUCTION OF BANKING
o ABOUT BANKING INDUSTRY IN INDIA
o INTRODUCTION TO COOPERATIVE BANK
o WHAT IS BANK
o RESEARCH METHODOLOGY
o OBJECTIVES OF THE STUDY
o LIMITATIONS OF THE STUDY
o PRODUCTS & SERVICES AT COOPERATIVE BANK
o DATA ANALYSIS & INTERPRETATION
o FINDING & SUGGESTION
o CONCLUSION
o BIBLIOGRAPHY
o QUESTIONNAIRE