Critical Analysis of

Retail Banking Of Indusind Bank

A project Submitted to
University of Mumbai for partial fulfillment of the degree of

Bachelor in Commerce – Semester VI

Under the Faculty of Commerce (Banking & Insurance)
By
Mr. PRASANNA PRAKASH GURAV
Roll No: 722

Under the Guidance of Miss. SUJATA MAHAJAN

SIR SITARAM & LADY SHANTABAI PATKAR COLLEGE OF ARTS &

SCIENCE AND
V.P. VARDE COLLEGE OF COMMERCE & ECONOMICS
(AUTONOMOUS COLLEGE)
S.V. ROAD, GOREGAON (WEST), MUMBAI-400062
 Critical Analysis of
Retail Banking Of Indusind Bank

A project Submitted to
University of Mumbai for partial fulfillment of the degree of
Bachelor in Commerce – Semester VI
Under the Faculty of Commerce (Banking & Insurance)
By
Mr. PRASANNA PRAKASH GURAV

Roll No: 722

Under the Guidance of Miss. SUJATA MAHAJAN

SIR SITARAM & LADY SHANTABAI PATKAR COLLEGE OF ARTS &

SCIENCE AND
V.P. VARDE COLLEGE OF COMMERCE & ECONOMICS
(AUTONOMOUS COLLEGE)
S.V. ROAD, GOREGAON (WEST), MUMBAI-400062

I
 SIR SITARAM & LADY SHANTABAI PATKAR COLLEGE OF ARTS &
SCIENCE AND
V.P. VARDE COLLEGE OF COMMERCE & ECONOMICS
S.V. ROAD, GOREGAON (WEST), MUMBAI-400062

CERTIFICATE
This is to certify that Kumar. PRASANNA PRAKASH GURAV has worked and duly
completed her Project work for the degree of Bachelor in Commerce under the Faculty of
Commerce in the subject of Banking & Insurance and her project is entitled, “CRITICAL
ANALYSIS OF RETAIL BANKING OF INDUSIND BANK ” under my supervision.

I further certify that the entire work has been done by the learner under my guidance and that no
part of it has been submitted previously for any Degree of any University.

It is his own work and facts reported by his personal findings and investigations.

Miss. Sujata Mahajan Dr. Sharmistha Matkar

Principal

External Examiner

Date of submission:
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 DECLARATION BY LEARNER

I, Kumar. PRASANNA PRAKASH GURAV, here by, declare that the work
embodied in this project work titled “CRITICAL ANALYSIS OF RETAIL
BANKING OF INDUSIND BANK” forms my own contribution to the research
work carried out under the guidance of Miss. Sujata Mahajan is a result of my own
research work and has not been previously submitted to any other University for any
other Degree to this or any other University.

Where ever reference has been made to previous works of others, it has been clearly
indicated as such and included in the bibliography.

I, here by further declare that all information of this document has been obtained and
presented in accordance with academic rules and ethical conduct.

Mr. PRASANNA .P. GURAV

Roll No: 722

Miss. SUJATA MAHAJAN

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 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 a chance to do this project.

I would like to thank my Principal, Dr. Sharmishta Matkar, for providing the necessary facilities required for
completion of this project.

I would also like to express my sincere gratitude towards my project guide, Miss. SUJATA MAHAJAN
whose guidance and care made the project successful.

I would like to thank my College 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.

Mr. PRASANNA .P. GURAV

Roll No. 722

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 Index
SR. CHAPTER SCHEME Page No.
no.
1 TITAL PAGE I
2 CERTIFICATE II
3 DECLARATION BY LEARNER III
4 ACKNOWLEDGEMENT IV
5 INDEX V
6 ABSTRACT VII
7 CHAPTER 1:
1-3
1.1.INTRODUCTION
1.1.1.HISTORY 4-6
1.1.2.FUNCTION OF INDUSIND BANK 7-8
1.1.2.GROWTH OF BANKING 9-13
1.2.OBJECTIVE 14
1.3. IMPORTANCE AND SIGNIFICANCE 15
1.4.SCOPE OF RESERCH STUDUY 16
1.5.HYPOTHESIS 17

8 CHAPTER 2: REVIEW OF THE LITERATURE 18-20

9 CHAPTER 3:
21
3.1.RESEARCH METHODOLOGY

3.2.DATA COLLECTION 22-23

3.3.TABULATION OF DATA 24-32

3.4 .AUDITOR REPORT 33-35

36-42
3.5.DIRECTOR REPORT
3.6.PRODUCTS AND SERVICES 43-54
10 CHAPTER 4: 55

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 4.1.SWOT ANALYSIS 55-56
4.2.FINDINGS 57
4.3.SUGGESTION 58
59
4.4.CONCLUSION
4.5.LIMITATION OF STUDY 60

11 BIOBLOGRAPHY VIII

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 ABSTRACT

The main objective of my doing project in Banking Industry was only because of a broad scope
and continuous growth of sector. The methodology used in this project are primary data (survey)
and secondary data (journals, magazines & annual reports). The most relevant method of data
collection was Primary data and sample size was 100. The Descriptive research method was used
to obtain the relevant result and it is applicable only to Bangalore.
Based on analysis few findings, conclusion with suggestions have been obtained and they are:
• Very few customers prefer using credit card in today’s world
• Mostly people using their services more than 2 years.
• Many bank users prefers credit card.
• Many people faces problem in interest rate.
• According to service IndusInd found better.
• According to value added services we found Citi Bank better than IndusInd Bank because
some customer change IndusInd to Citi.
• Mostly people are satisfied with their Credit limit.
• Mostly people want free credit cards from their bank.
• If people given a choice to opt any other they prefer IndusInd Bank
• Mostly people are satisfied their customer care service provider.

By working in such a successful organization,I have come to know lot about this organization’s
functioning and its markets exacting quality control absolute commitment and integrity and most
significantly a sense of dynamism of striving for the extraordinary and lots more to offer it one of
the most professional in its nature.

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BIBLOGRAPHY

1. Magazine: -India Today

2. Newspaper:- Economic Times
3. Websites:
• www.indusind.com
• www.wikipedia.com
• http://search.ebscohost.comhttp://web.ebscohost.com/ehost/pdfviewer/pdfviewer?

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