DATA

ANALYSIS
Q1) Age group of ATM users

Table No. 1

Age Group No Of Customers

15 – 35 40
35 – 50 25
50 – 60 28
Above 60 7

7%

28% 40%
40 -> 15 to 35

25 -> 35 - 50

28 -> 50 - 60

25%
7 -> Above 60

Analysis :
The above table clearly indicates that out of the total respondents, 40% of
respondents are age group of 15-35.
 .

Q2) Gender of ATM user.

Table No. 2

Gender No Of Customers
Male 60
Female 40

40%
60 - Male
40 - Femanle
60%

Analysis :
The above table clearly indicates that out of the total respondents, around
60% respondents are male users.
Q3) Which area they belong?

Table No. 3

Area No Of Customers
Rural 22
Urban 78

22%

22 - Rural
78 - Urban

78%

Analysis :
The above table clearly indicates that out of the total respondents, around
78% respondents are from urban area.
Q4) Marital status

Table No. 4

Status No Of Customers
Married 55
Unmarried 45

45% 55 - Married
45 - Unmarried
55%

Analysis :
The above table clearly indicates that out of the total respondents, around
55% respondents are married.
Q5) Occupation of ATM user.

Table No. 5

Occupation No Of Customers
Home Maker 5
Service 35
Self Employed 25
Student 35

5%
25%

45%
5 - Home maker

25 - Service

25 - Self Employed

45 - Student
25%

Analysis :
The above table clearly indicates that out of the total respondents, student
uses more ATM services than other type of occupation or proffesion,
Q6) Which is / are the bank(s) that you have an account?

Table No. 6

Accounts No Of Customers
SBI 56
HDFC 20
ICICI 20
Any Other Bank 4

20% 4%

56 - SBI

20 - HDFC
56%
20 - ICICI
20% 4 - Other Bank

Analysis :
The above table clearly indicates that the account holder of SBI are
more than any other bank.
Q7) Do you prefer using an ATM to branch banking?

Table No. 7

ATM to Branch banking No Of Customers

Yes 55
No 45

45%
55 - Yes 45 - No
55%

Analysis :
The above table clearly indicates that out of the total respondents, around
55% respondents are using branch banking.
Q8) How often do you use an ATM?

Table No. 8

Frequency No Of Customers
Several Times in a Week 30
Once in a week 33
Twice a month 37

30%
37%
30-several times
in a week
33-Once in a week
37 - Twice a
month
33%

Analysis :
The above table clearly indicates that out of the total respondents, around
37% respondents visit ATM several times in a Twice a month .
Q9) Do you find it necessary for a guard to be present at the ATM ?

Table No. 9

Security No Of Customers
Yes 60
No 40

40% 60 - Yes
40 - No

60%

Analysis :
The above table clearly indicates that out of the total respondents, around
60% respondents wants that security guard should me there at the atm.
Q10) Are you aware that the fees charged while using an ATM not
owned by your bank have been reduced / waived?

Table No. 10

Charges No Of Customers
Yes 75
No 25

25%

75 - Yes
25 - No

75%

Analysis :
The above table clearly indicates that out of the total respondents, around
75% respondents are satisfied with the reduction of fee charged if their ATM
is not owned by same bank.
Q11) What are the problems have you faced while using an ATM?

Table No. 11

Problem Faced No Of Customers

Wait in long queues 40
Inserting Card Incorrectly 25
Limit on Daily withdrawal 25
None of Them 10

10%

40%
25%
40 - Queue

25 - Inserting card

25 - Daily Limit

25%
10 - None

Analysis :
The above table clearly indicates that out of the total respondents, around
40% wait in Queues respondents faced problem
Q12) Other ATM problem?

Table No. 12

Problem No Of Customers
ATM working too slowly 25
Incorrect amount of cash dispensed 5
Not able to print slips 40
None of them 30

30% 25%

25 - Slowly
5 - Incorrect
Amount
5%
40 - Print Slips

40%
30 - None

Analysis :
The above table clearly indicates that out of the total respondents, around
40% respondents had problem of printslips while withdrawing money. And
25% have a problem of slow machine process.
CONCLUSION
&
SUGGESTION
 CONCLUSION

1. Yet use of ATM is not popular in rural areas.

2. Most of students preferred using ATM.

3. Most ATM used is of SBI.

4. People frequently used ATM to get money.

5. People think that security at ATM is necessary.

6. Still people face problem in waiting in a queue & limit on the

daily withdrawals.

7. Peoples suffer also other problem like not able to print slips &

slow working of ATM

 SUGGESTION

On the basis of conclusion there are following

suggestions –
1. Bank should try to enter deep into the total market & make the
people understand the importance of using ATM & how to use it
by giving them the demonstration.

2. As student mostly use ATM so that bank should come with

attractive scheme so that more & more student come to use
ATM.

3. Bank other than SBI should also try to enter deep & become
popular among the population so that most ATM can be used of
these banks.

4. Bank should provide better security at ATM as people use to

withdraw big amount of money from ATM.

5. Banks should try to open more & more ATM for reducing queue
at ATM as people want to get quick money.

6. Bank should try to improve overall service to keep their

customer satisfied
 A
WINTER PROJECT REPORT
ON
“THE SERVICES OF ATMs”

BY
HARIOM YADAV
MBA I
ACHIEVERS
ROLL NO: 61

K.J.'S EDUCATIONAL SOCIETY

TRINITY INSTITUTE OF MANAGEMENT AND
RESEARCH
PUNE