Professional Documents
Culture Documents
BankAisaDostJaisa
2
PROJECT REPORT
ON
THE ROLE OF IDBI
IN
DEVELOPMENT INDUSTRY
A Project Submitted to
BY
MADARI SUDHA YALLAPPA
A Project Submitted to
BY
1.CERTIFICATE
2.DECLARATION
3.ACKNOWLEDGEMENT
4.OBJECTIVES
5.EXECUTIVESUMMARY
COLLEGE CERTIFICATE
DECLARATION
Certified By:
PROF : VARSHA SAWALANI
.
ACKNOWLEDGEMENT
To list who all have helped me is difficult because they are so Numerous and
the depth is so enormous.
Last l would like to thank each and every person who directly or
5
OBJECTIVS
1 ) The principal objective of the Industrial Development Bank of India is to Give loans)
Both to the private as well as public sector undertaking in the field of commodity
3) The bank has established Development Assistance Fund. This is for the benefit of those industries
which fail to get loans any where.This fund is the chief feature of this bank.
4) However ,before offering any assistance out of this fund ,the bank has to seek.
This chapter will include Objectives, Hypothesis, Scope of the study, limitations of the study, significance of the study,
Selection of the problem, Sample size, Data collection, Tabulation of data, Techniques and tools to be used, etc. can be
incorporated by the learner.
3 3 REVIEW OF LITERATURE
5 5.1 SUGGESTION
5.2 CONCLUSION
6 6 BIBLOGRAPHY
7 7 APPENDIX
INDUSTRIALDEVELOPMENTBANKOFINDIA
INTRODUCTION
Industrial Development Bank of India(IDBI) was established on July1,1964.
Bank of India.
Type Private Sector Bank (Regulatory purpose only)
Industry Banking
Parade,Colaba,Mumbai,Maharashtra ,India
Keypeople
HemantBhargava (Non-ExeChairman)
RakeshSharma (MD&CEO)
SamuelJoseph (DeputyMD) 5] [
Products
o Investment Banking
o Consumer Banking
o Commercial Banking
o Retail Banking
o Banking
o Asset Management
o Pension
o Mortgage
o CreditCards
Owner LICofIndia.
Parent -IDBI
Subsidiary
Website :-www.idbibank.in
HIGHLIGHTS:
The main function of the Industrial Development Bank of India, as its name it self suggest is to finance Industrial enterprises
in both private and public sector. Financial assistance is provided it her directly or through special financial institions.
(a)Direct Assistance : IDBI assists Industrial unit directly by way project l underwriting of and direct subscription
to industries securities (Share &Debentures) soft loans, technical development fund loans and equipment
finance loan. IDBI provides direct assistance for project costing more than Rs.3 Crore under the Project finance
scheme.
(b)Indirect Finance : IDBI Indirect assistance is provided basically to tiny ,small and medium enterprises
mainly.(i)By way of refinance of Industries an granted by SFCs, SIDCs, and commercial banks ,co-operative banks an
RRB.Rediscounting of bills sharing out of safe of India genes machinery a defer payment basis.(ii)Seed Capital assistance to
new enterprise never generaly through SFCs &SIDCs.
(c)Special Assistance : IDBI Act 1964, provide Development Assistance fund. This find to be used by the IDBI to
assist those Industrial concerns which are not able to secure funds in the normal course either because of heavy investment
or low rate of return both.
(d)Direct Assistance to Industries : The IDBI has been empowered to finance industrial concerns directly under
the
Following structural arrangements:
(i)To grant financial accommodation upto a 16 year period for export of capital goods and other commoditty
(ii)To grant loans or to subscribe to the shares and debentures of industry concerns. Such loans , advances , and debentures
can be converted into equity shares at the option of the Bank,
(iii)To underwrite new issues of Industrial 60 concerns and accept , discount or rediscount bonafide commercial bils or
promissory notes of industry concerns,
(iv)To guaranteed referred payment due from industrial concerns for loan raised by them in the market or from scheduled
banks etc.
(e)Assistance to other financial institutions : IDBI has carried out the following
Refinancing functions: IDBI can refinance term advances of 3 to 25 years maturity made to industrial concerns by IFCI , SFCs
and other financial institutions which may be notified by the Government . It can similarly refinance term loans of 3 to 10
years maturity made by scheduled banks and State Co-operative Banks. It can also refinance export credit of 15years'
maturity where primary lending institutions grant loans to person in India and to persons outside India repayable witin a
period of 12 years.
(f)Creation of Development of Assistance funds : The Bank created development assistance fund in 1965 with an initial
contribution from Central Government . This fund is intended to provide assistance for industries which for various reasons
like , heavy investment involved or low antipated return on capital , may not be able to obtain funds in the normal course .
The pri approval of the Central Government is necessary for any assistance from the Fund.
(g)Soft loans scheme : The soft loan scheme came into existence November 1976 for financing the modernization
programme offering selected industries , namely , cotton , textile , cement , sugar and specified engineering industries . The
scheme aims at modernization , replacement and renovation of industry which has become necessary to achieve a more
economic level of production in order to enhance their competitiveness in domestic and international markets.
(h)Technical Development Fund Scheme : Technical Development Fund Scheme was introduced in March 1979 with
the object of promoting fulfill capacity utilization , technologies upgradation , and export development .The 61 fund can
provide foreign exchange forms a value imports with the object of procuring technical know how , foreign consultancy
service , drawings and designs.
(i) Automatic Refinancing Scheme : The main features of Automatic refinancing scheme are as follows:
(a)Sanction and disbursement of refinance in respect of loans upto Rs .5 lakhs from the elible institions to small
scale industries including those in the tiny sector which are normally covered under the IDBI Credit Guarantee Scheme,
(b)The IDBI will not levy commitment charges on credit institutions in respect of refinances under the ARS
(c)Only one general agreement will be taken from the eligible institution covering the raw also refinance under
different schemes of the IDBI
(j)Rediscounting : IDBI has introduced a scheme for rediscounting of bils against the sale of machinery to enable the
indigenous machine manufacturing industries purchase equipment on deferred payment basis
CHAPTER NO : 2
Each and every project study along with secret no bjectives also have scope for future . And this scope in future gives to
new researches a new need to research a new project with a new scope . Scope of the study not only consist one or two
future business plan but sometime it also give side a about a new business which becomes much more profitable for the
researches then the older one. Scope of the study could give the projected scenario fora new successfuls with a proper
implementation plan . Whatever scope I observed in my project are not exactly having all the features of the scope which I
described above but also not lacking all the features.
Research study could give an idea of network expansion for capturing more market and customer with better
services and lower cost , with outcome promising with quality
In future customer requirements could be added with the product and services for getting an edge over
competitors.
Consumer behavior could also be used for the purpose of launching a new product with extra benefits which are
required by customers for their account (saving or current) and / or for their investments.
Factors which are responsible for the performance for bank can also be used for the modification of the strategy
and product for being more profitable .
Competitors :
A. Customer Behaviour
D. Economic conditions
The seal could also be interchanged with each other for each other in banks strategies for making a final business
plan to effect the market with a positive way without disturbing a lot to market , customers and competitors with
disturbance in market shares .
OBJECTIVE OF STUDY
Project study which is being conducted by me for the last two month is not only a formality for the
fulfilment of the two year full time Post Graduate Diploma in Business Management . But being a
management student and a good employee I tried my best to extract best of the information availe in
the market for the use of society and people . The objectives have been classified by me in this project
form personal to professional , but here I am not disclosing my personal objective which have been
achieved by me while doing the project . Only professional objectives which are being covered by me
in this project are as following-
To know the perception and conception of customers towards banking products and specialy
focused for IDBI Bank’s 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.
LIMITATIONS OF STUDY
• The study was limited up to 30 members that to Ambernath area through structured
questionnaire.
• The study is based on primary data and secondary data.
• The data analysis is based on only 30 members.
RESEARCH AND METHODOLOGY
The significance of research can be understood by knowing its various aspects and its contributions in many
fields. It studies human behavior through scientific methods. It provides information relating to problems of the society.
It finds solution to the problems through the application of scientific methods. Precisely, it is the research of finding
facts which are still to be discovered. The importance of research lies in a fact that there is so such to know and so we
have known only a little fraction of it. Therefore, we must continue our journey from darkness to light and enrich
the treasure of human knowledge. A theory can be called scientific only when it can be tested and verified.
The word research is derived from the French word “Researcher” meaning to search back. Broadly research
refers to a search for knowledge. Research is an attempt to find answers to problems both theoretical and practical,
though application of scientific methods. “Research is an enquiry into the nature of, the reason for, and the
consequences of any particular set of circumstances, whether they experimentally control or recorded as the take place.”
Research is an organized effort .
DEFINATION OF RESEARCH:
“Research is an organized enquiry designed and carried out to provide information for solving a problem.”
- Fred Kerlinger
TYPES OF RESEARCH:
1. Descriptive Research:
Descriptive research seeks to depict what already exists in a group or population. An example of this type of
research would be an opinion poll to determine which Presidential candidate people plan to vote for in the next
election. Descriptive studies do not seek to measure the effect of a variable; they seek only to describe.
2. Basic Research:
Basic research, also called pure research or fundamental research, has the scientific research aim to improve
scientific theories for improved understanding or prediction of natural or other phenomena. Applied research, in turn,
uses scientific theories to develop technology or techniques to intervene and alter natural or other phenomena. Though
often driven by curiosity, basic research fuels applied science's innovations. The two aims are often coordinated in
research and development.
3. Analytical Research :
Analytical research is a specific type of research that involves critical thinking skills and the evaluation of
facts and information relative to the research being conducted
4. Quantitative Research:
Quantitative Research Definition: Quantitative research, is defined as the systematic investigation of
phenomena by gathering quantifiable data and performing statistical, mathematical or computational techniques.
Quantitative research gathers information from existing and potential customers using sampling methods and sending
out online surveys, online polls, questionnaires etc., the results of which can be depicted in the form of numerical.
5. Qualitative Research:
Qualitative Research is primarily exploratory research. It is used to gain an understanding of underlying reasons,
opinions, and motivations. It provides insights into the problem or helps to develop ideas or hypotheses for potential
quantitative research. Qualitative Research is also used to uncover trends in thought and opinions, and dive deeper into
the problem. Qualitative data collection methods vary using unstructured or semi-structured techniques.
REASEARCH DESIGN
The researcher must prepare a research design. It is logical and systematic plan prepared for conducting a research
study. It can be called as a blue print for collection; measurement and analysis of data. The research design provides
guidelines to researcher regarding the time period within which research is to be collected, the techniques of data
collection and data analysis and so on.
a research design us the set of methods and procedures used in collecting and analyzing measures of the variables
specified in the research problem research. The design of a study defines the study type (descriptive, correlation, semi
experimental, experimental, review, meta analytic) and sub type (e.g. descriptive case study), research problem,
hypothesis, independent and dependent variables, experimental design and if applicable, data collection methods
and a statistical analysis plan. A research design is a framework that has been created to find answers t research
question.
Sample area Sample area for the research is taken from questionnaire from Investors in
Ambernath Area.
➢ Primary Data :
Primary data is data that is collected by a research from first-hand sources, using methods like surveys,
Interviews, or experiments. It is collected with the research project in mind, directly from primary sources.
I selected survey method for the research. I was communicate with different age of individuals for collecting the data
and the study was conducted for period of 7 days with 30 respondents.
➢ Secondary data :
Secondary data refers to data which is collected by someone who is someone other than user.
Secondary data collected through journals, books and websites.
As no study could be successfully completed with out proper tools and techniques , same with my project . For
the better presentation and right explanation I used too ls of statitics and computer very frequently . And I am very
thank full to all those tools for helping me a lot . Basic tools which I used for project from statitics are-
-BarCharts
-Piecharts
-Tables
Bar charts and pie charts are realy useful tools for every research to show the result in a well clear ,
ease and simple way . Because I used bar charts and pie charts in project for showing data in a
systematic way, so it need not necessary for any observer to read all the theoretical determine people
and seeing the charts any body could know that what is being said
TechnologicalTools :
1. Ms-Excel
2. Ms-Access
3. Ms-Word
Above application software of Microsoft helped me a lot in making project more interactive and production
Microsoft-Excel had a great role in my project , it created for me a situation of “you sit and get”. I provided it simply all the
detail of data and in return it given me all the relevant information
Microsoft-Access did the performance of my personal assistant who organizes my all the details of document without
disturbing them even a single time in all the project duration.
Microsoft-Word did help me for the documentation of the project in a presentable form. Applied Principles and Concepts
While I started to do the project the main thing which was the matter of concern was that around what principles I have to
revolve my project .Because without having any hypothesis and objective we cannot determine that what out put or result
we are expecting form the project. And second thing is that having only tools and techniques for the purpose of project is
not relevant until unless we have the principals for which we have to use those tools and techniques.
A. Mathematical Averages
C. Corrati
CHAPTER 3
REVIEW OF LITERATURE
REVIEW OF LITERATURE :-
1. G Thangapandi in the year (2013) According to the study Post office provides numerous services to the economy.
The objective is to assess the opinion of the customers towards postal services and how frequently they use the services
and to offer suggestions for improvement in them. The focus is on demographic profile of the customer namely literacy,
occupation, location where there is a significant change in their relationship, whereas no significant change has been
observed in relation to demographic profile such as age, gender and income of the respondent.
2. Mehul Chandrakant Chhatbar in the year (2013) Tried to explain in his study the satisfaction of consumer which they
derive from using services of the post offices and in comparison the satisfaction arrived from private courier services in
Mumbai. The study reveals that there is no significant difference in the satisfaction levels of the customers. A post office
provides excellent and better services at low cost whereas private firms provide prompt services at little high cost. Hence
customers are equally satisfied by using the private courier firms or Indian postal services.
3. Dipankar Malankar in the year (2013) Reveals through the paper the role played by post office in the financial
inclusion and the challenges faced by the department of post. Indian post office provided reliable and low cost services. The
post office is providing a plethora of financial services throughout the country through different branches various hurdles
and challenges come in way during the course of working of services. But it has removed this all challenges by becoming the
most reliable and safest way of investment agency.
4. Anand M Et Al in the year (2013) In his paper focuses on the performance aspects of India postal services and its
future growth strategy. The strength of India post is its long traditional of handling financial service and its reach to masses.
To improve its services quality & operational efficiency India post has introduce a centralized core banking solution with
alternative delivery channels facilitating any time anywhere banking environment. The growth of post and its performance
is not impressive but its strategy moving to remove all hurdles and challenge.
5. Ritik Agarwal in the year (2012) Concludes in her study the various factor which focus on influencing the investor to
invest among the different savings schemes of the post offices. It explains that the educational qualification and
occupations of the investors has a significant impact on the saving pattern as well as to choose among various investment
schemes and services available with post offices. The study states that the investment in senior citizen schemes are very low
preferred by the customer and communication network of the post offices should be increased. Post offices provide a
unique bundle of saving products revolution in IT is the must preferred challenges for the postal offices.
6. Vishal Mehta and Anil Mirchandani in his research paper he Focus on the investment avenues for investing in the post
office savings schemes. Its convenient for the customer of rural and urban customers to choice the investment in different
schemes available. Good pubic image and confidence is develop among the general public as it offers the safety mode of
return. The best part of postal department is the coverage of the huge masses, providing the best investment options with
tax saving schemes and tax deduction on various investment avenues safety way.
7. K Gayathri in the year (2014) The paper studies in general the attitude of the investors towards the different schemes
with the postal offices. It analyze the study of the various problems faced by the customers in investing money in post
offices. It highlights suggestion for improvement in the way postal department perform services. Latest technology
upgradation which will make services faster and reliable. Advertisement strategy should be adopted as lack of awareness is
there as campaigning of services is not done. Post offices reach to the millions of people serving them the best products and
schemes. Its role in rural areas in vital one.
8. Thabiso John Mokiena and Charles Mbohwa in the year (2013) he Discuss in the paper about the performance
management of postal organization. The performance management of postal organization. The performance of the post is
at decreasing level in last decades in terms of revenue, customer satisfaction and has a tough competition from private mail
companies. It focuses on transformation role which will lead to a positive performance of a postal organization.
9. Seyed Ali Hosseini in the year (2013) The paper studies the strength weakness opportunities and threats of postal
services. It focus on the number of problems faced by the public relating to the services offered by the postal offices. The
post office distribution and city environment are not properly organized and it offer various suggestion to improve
consistent services to customers.
10. Suma Mathew in the year (2015) Include in her study the role of postal administration in providing the excellence
services and enjoying the trust and loyalty in customers buy diversifying themselves through innovative products and
services and the changing role of post offices by entering into new areas such as telephony and financial services. Indian
post is the largest and most credible out reach infrastructure in the country several innovation products are implemented
for letters and delivery of parcels It’s a critically window for the rural people to avail sophisticated products and affordable
financial products. Its core competencies are its credibility brand strength and outreach to million of people
11. Moez and Jamel-Eddine Gharbi in the year (2012) In their paper studies the customer satisfaction in delivering
services by the postal department relating to mail services and secondly loyalty of the customers towards the services of
the post. It concludes that the satisfaction of customers for undertaking services from post has a positive impact on the
loyalty of the customers.
12. N senthil Kumar and M. Prakash in the year (2014) This paper attempts to study the importance of precious metal i.e
Gold & expectations of customers in buying gold through post offices Gold is highly liked by customers use to its increase of
value in market & secondly as it is used extensively for making of Jewellery India post has started to provide gold coins
through selected branches 99.99% purity of gold is offered by them. This facility is available with 630 post offices various
discounts are offered by them out a tough competition has to be faced from other companies India post is moving towards
technology innovation & modernization for services and tries to satisfy customers with best products and services.
13. Mu. Subrahmanian in the year (2010) Highlights in his paper the importance of training of employees in department
of post. Training is inevitable as it develops skills and knowledge of employees. It prepares them for facing new challenges
and opportunities in their way. The focus is on training is to improve quality moment, continuous improvement India post
has adopted. AIM model appraisal intervention and measure model to e nhance the quality and effectiveness of the training
programme. India Post has adopted sound training stragery.
14. B. Saranya and GB Karthikeyan in the year (2015) Conclude in his paper the importance of savings among the
investors in post office schemes. To analyze the satisfaction they derived using the services of post office and to identify the
strength weakness, opportunities and threats. Thus the prime reason for investors to invest are emergency needs family
needs and future of children.
15. Divesh Kumar in the year (2015) In his paper has made a comparative study of the role played by post office in rural
areas in developed countries, underdeveloped countries and emerging economy. The role played by postal department in
vital one in fostering financial inclusion women empowerment can be increased by giving them facilities from post office.
CHAPTER 4
which will ultimately give output in the for of information . So before mentioning the source of data for the project I
would like to mention that what type of data I have collected for the purpose of project and what it is exactly
1.PrimaryData:
Primary data is basically the live data which I collected on field while doing cold calls with the
customers and I shown them list of question for which I had required their responses .In some
cases I got no response form their side and than on the basis of my previous experiences I filed
those fids.
Source: Main source for the primary data for the project was
Questionnaires which I got filed by the customers or sometimes filed my self on the basis of
discussion with customers.
2.SecondaryData:
Secondary data for the base of the project I collected from Bank and from internet , RBI
Buletin , Journal by ICFAI University
StatisticalAnalysis
In this segment I will show my findings in the form of graphs and charts .All the data which I got
form the market will not be disclosed over here but extract of that in the form of information will
definitely be here
Area : Mumbai
Industry : Banking
Respondent : Customers
Table1: Correlation between awareness of customers about IDBI bank & their Age
20-25 25
25-30 46
30-35 34
35-40 23
40-45 21
45-50 22
50-60 24
60-ABOVE 55
60
R
50
E
S 40
P 30 NO. OF RESPONSE
O
20
N
S 10
E 0
S
20-25 25-30 30-35 35-40 40-45 45-50 50-60
60-ABOVE
AGE GROUP
PRIVATE 50
PUBLIC 45
PRIVATE/PUBLIC 100
DON'T KNOW 55
RESPONSES
PARAMETER RESPONSES
EFFICIENCY 75%
NETWORK 33%
22%
33% EFFICIENCY
75%
INTERNET
BANKING/ATMs
PRODUCT RANGE
NETWORK
95%
PHONE BANKING
25%
TABLE 4: MARKET SHARES IN MUMBAI IN COMPARISION TO COMPETITORS
SBI 30%
IDBI 15%
ICICI 25%
PNB 10%
HDFC 5%
HSBC 5%
OTHERS 10%
SBI
30%
ICICI
25% SBI
IDBI
20%
IDBI ICICI
15% PNB
PNB OTHERS HDFC
10%
HSBC
HDFCHSBC
5% OTHERS
0%
% OF SHARE
PARAMETERS % OF SHARE
PRODUCT 50%
ADVERTISMENT 5%
MANPOWER 25%
NET-BANKING 2%
PHONE BANKING 5%
NETWORK 3%
60%
50%
50% PRODUCT
ADVERTISMENT
PERSENTAGE
40%
MANPOWER
30% 25% NET-BANKING
PHONE BANKING
20%
INVESTMENT SCHEME
10%
10% 5% 5% NETWORK
2% 3%
0%
% OF SHARE
PARAMETERS
CANARA
PARAMETERS/BANKS IDBI ICICI SBI PNB HSBC
BANK
60%
PERCENTAGE
50%
PRODUCT
40%
30% ADVERTISMENT
20% MANPOWER
10%
0% NET-BANKING
PHONE BANKING
I
BI
BC
K
B
IC
I
SB
PN
N
ID
IC
HS
BA
INVESTMENT SCHEME
A
R NETWORK
NA
CA
CREDIBILITY
BANKS
6-10 days 67
11-15 days 43
P OS ITIV E RE S P ONS E
NO. OF PEOPLE
120
100
80
60 P OS ITIV E RE S P ONS E
40
20
0
0 - 5 d a y 6s - 1 0 11-15 more
days days than 15
days
NO. OF DAYS AFTER AD
4.2 FINDINGS OF THE STUDY
a) The credibility of IDBI bank is good in comparison to its competitors as GOI (Government Of India) is a major share
holder in the company.
b) IDBI bank has potential a tapped market in Mumbai in region and hence has an opportunities for growth.
c) The products of IDBI bank has good credibility in the region compare to its competitors.
d) The advertisement of the bank was very effective from the first day of its airing till the fifth day and there after it
starts declining.
e) The initial balance for A/C opening is Rs, 5000/- and that’s why people are reluctant in opening the same.
CHAPTER 5
Suggestions
• The government has to take necessary steps to adopt advertisement strategy in wider range.
• Investors have to invest their money for longer period that they will get more benefit.
• Tax relief is also biggest boon for investing their money in post office savings scheme
• Gradually, technology needs to be implemented in this sector for its progressive growth and create speedy
transaction models.
• Tax benefits are attached only to few schemes in post office but also can be extended to many schemes.
Conclusions
1. Consumers of Mumbai have good awareness level about IDBI bank as well as about its services and products.
2. The advertising campaign has successfully been able to increase the market share of IDBI in Mumbai.
3. The modern days technology like internet banking, phone banking, used by IDBI bank for providing banking services
4. The network of IDBI in Mumbai is lagging behind a little than its competitors like ICICI bank and HDFC bank.
5. It can be distilled from data that IDBI bank has good market share as compared to its competitors considering the
o Anand M Et Al in the year (2013) In his paper focuses on the performance aspects of India postal services
and its future growth strategy.
o Dipankar Malankar in the year (2013) Reveals through the paper the role played by post office in the
financial inclusion and the challenges faced by the department of post.
o Ritik Agarwal in the year (2012) Concludes in her study the various factor which focus on influencing the
investor to invest among the different savings schemes of the post offices.
o Vishal Mehta and Anil Mirchandani in his research paper he Focus on the investment avenues for investing
in the post office savings schemes.
o K Gayathri in the year (2014) The paper studies in general the attitude of the investors towards the different
schemes with the postal offices. It
o Thabiso John Mokiena and Charles Mbohwa in the year (2013) he Discuss in the paper about the
performance management of postal organization.
WEBSITES :
• http://www.indiapost.gov.in/posb.aspx
• http://en.m.wikipedia.org/wiki/india_post10
• http://www.ea-journals.org
• http://www.sodhganda.co
Appendix1: Questionnaire
NAME………………………………………………………………………………
AGE…………………
SEX:MALE /FEMALE
ADDRESS: ……………………………………………………………………………..…
……………………………………………………………………………………
CITY…………………………………
PINCODE…………………………...
CONTACT NO.…………………………………
QUESTIONNAIR
YES NO
2. IDBI BANK IS A –
3. RANK THE IDBI BANK ON THE FOLLOWEING FEATURES –(RANKFOR BEST 1 AND 5 FOR WORSE ON 1 TO 5 SCALE)
o EFFICENCY
o MANPOWER
o INTERNET BANKING/ATMs
o NETWORK
o PRODUCT RANGE
o PHONE BANKING
…………………………………………………………………………………………………………
6. NAME THE BANK WHICH COMES IN YOUR MIND AT VERY FIRST AND WHY?
………………………………………………………………………………………………………….
YES NO
YES NO
9. YOUR LEVEL OF SATISFACTION WITH IDBI BANK-
o VERY SATISFIED
o SATISFIED
o NORMAL
o DISSATISFIED
o VERY DISAT.
10. IF YOU WILL HAVE OPTION AGAINEST IDBI BANK YOU WILL GO FOR –
SBI PNB
ICICI OTHER
YES NO
12. WHEN DID YOU LAST SEE THE ADVERTISEMENT OF IDBI BANK?
………………………………………………………………………………………
…………………………………………………………………………………………….
…………………………………………………………………………………….
16. IDBI BANK LTD. IS A GOOD BANK FOR-
o SERVICE PEOPLE
o BUSINESS
o PERSONS
o POLITICIANS
o GENERAL PUBLIC
o ALL OF ABOVE
17. NAME IDBI BANK LTD. GIVE BLUE-PRINT IN YOUR MIND OF-
THANKYOU
61