UNIVERSITY OF MUMBAI

PROJECT
ON
COMPARATIVE STUDY BETWEEN PRIVATE AND PUBLIC
SECTOR BANKS
SUBMITTED BY
MAHESHWARAM SANDHYA RAVI
THE AWARD OF THE DEGREE OF
BACHELOR OF BANKING AND INSURANCE (BBI):SEM. V
EXAM. NO. 1295663
ACADEMIC YEAR 2016-17
GUIDED BY
Ms. CHARMI A. GONDALIYA

PADMASHRI ANNASAHEB JADHAV BHARATIYA SAMAJ UNNATI

MANDALS
B.N.N. COLLEGE, BHIWANDI
DIST. THANE 421305

DECLARATION

I Ms. MAHESHWARAM SANDHYA RAVI Exam. No. 87 student of B.N.N College,

Bhiwandi of T.Y. BBI, Semester V, hereby declare that I have completed project on
Comparative Study between private and public banks is a record of independent
research work carried by me during the academic year 2016-2017 under the guidance of
Ms. Charmi Gondaliya. The information submitted is true and original to the best of my
knowledge.

MAHESHWARAM SANDHYA RAVI.

CERIFICATE

This is to certify that Ms. MAHESHWARAM SANDHYA RAVI, Roll no: 87of Third Year
B.M.S., Semester V (2016- 2017) has successfully completed the project on Comparative
study between private and public banks under the guidance of Ms. Charmi Gondaliya.

Project Guide
(Ms .Charmi Gondaliya )

Course Coordinator
(Dr. Ashok D. Wagh)

Principal
( Dr.Suvarna Rawal)

External Examiner

ACKNOWLEDGEMENT

To list who all have helped me is difficult because they are so numerous and the depth is so
enormous.
I would like to acknowledge the following as being idealistic channels and fresh dimensions in
the completion of this project.
I take this opportunity to thank the University of Mumbai for giving me chance to do this
project.
I would like to thank my Principal, Dr Ashok D Wagh for providing the necessary facilities
required for completion of this project.
I take this opportunity to thank our Coordinator Dr. Suvarna Rawal, for her moral support and
guidance.
I would also like to express my sincere gratitude towards my project guide Ms. Charmi
Gondaliya whose guidance and care made the project successful.
I would like to thank my College Nirlon Library, for having provided various reference books
and magazines related to my project.
Lastly, I would like to thank each and every person who directly or indirectly helped me in the
completion of the project especially my Parents and Peers who supported me throughout my
project.

Executive Summary

The objective of the study is to have a comparative study of the PSU Banks and Private Sector Banks in and also to
find out the most preferred Banking Sector among them.
For the above study a questionnaire was designed and the same was provided to the respondents for their valuable
inputs. Some of the inputs were taken from Qualtrics Survey Software and others were provided in the form of hard
copies.
All the aspects of the study included introduction of the study, objective of the study, research methodology,
literature review, data interpretation and analysis, findings, suggestions and recommendations.
The study suggests that in this part of the country the Public Sector Banks are ahead of the Private Sector Banks.
The data collection of the study was mainly taken from primary source i.e. Questionnaire. And secondary sources
of the data i.e. internet .

INDEX

CHAPTER

CONTENTS

PAGE NO.

Introduction

Profile

2-47

Review of literature

48-51

Data Analysis and interpretation

53-59

Observations and Conclusions

60

Suggestions

61

Bibliography

64

Objectives of the Study

This study has been conducted with a variety of important objectives in mind. The following
provides us with the chief objectives that have tried to achieve through the study. The extent to
which these objectives have been met could judged from the conclusions and suggestions, which
appear in the later of this study.

The Chief Objectives of this study are:

1. find the bank sector that is largely availed by the customer.
2. To study the factors the factors influencing the choice of a bank for 3.availing services.
3. find and compare the satisfaction level of customers in public sector 5.as well as in
private sectors bank.

4.
5.

To study the problem faced by customer.

get suggestions for improvement or change in the services of public and private sector

banks.
6. To study what do people expect in the new era of banking.