A

PROJECT REPORT ON

“A STUDY ON DEPOSIT HOLDERS SATISFACTION LEVEL WITH SPECIAL IBDI

BANK, TULJAPUR”

WITH SPECIAL REFERENCE TO

“INDUSTRIAL DEVELOPMENT BANK OF INDIA LIMITED, TULJAPUR”

SUBMITTED TO
BHARATI VIDYAPEETH DEEMED (DEEMED TO BE) UNIVERSITY, PUNE

IN PARTIAL FULFILLMENT DEGREE OF BACHELOR OF

BUSINESS ADMINISTRATION SUBMITTED BY

Mr. GANESHSINGH ANUPSINGH KILLEDAR

BBA:-III

UNDER THE GUIDANCE OF

PROF.SHIVGANGA MENDARGI

THROUGH THE DIRECTOR

BHARATI VIDYAPEETH

ABHIJIT KADAM INSTITUTE OF MANAGEMENT AND SOCIAL SCIENCES, SOLAPUR.

2021-2022
 DIRECTOR CERTIFICATES

This is to certify that the project entitled “A STUDY ON DEPOSIT HOLDERS SATISFACTION
LEVEL WITH SPECIAL IBDI BANK”, prepared by Mr. GANESHSINGH ANUPSINGH
KILLEDAR in partial fulfillment DEGREE OF BACHELOR OF BUSINESS ADMINSTRATION is
carried out under the supervision and guidance of PROF.SHIVGANGA MENDARGI and
same is forwarded to the university.

I also wish him all the best for his career and success to every step he
moves in life.

Place: - SOLAPUR Dr. S.B. SAWANT

B.Sc., MBA, MA(Eco.), M.Phil., Ph.D.,

GDC&A, PGDRD.

Date: - (Director)
 GUIDE CERTIFICATE

This is to certify that Mr. GANESHSINGH ANUPSINGH KILLEDAR has

satisfactorily completed the project work entitle, of “A STUDY ON DEPOSIT HOLDERS
SATISFACTION LEVEL WITH SPECIAL IBDI BANK” For the partial fulfillment of BBA.-III
submitted to Bharati Vidyapeeth Deemeed University, Pune during the academic year 2021-
22 under my guidance. To best my knowledge and belief the matter presented by him is
original and not copied from any source. Also this report has not been submitted earlier for
the award of any degree or diploma of Bharati Vidyapeeth Deemed University or any other
University.

Place: - Solapur GUIDE

PROF.SHIVGANGA MENDARGI

Date:-
 DECLARATION

I declare that the project titled “A STUDY ON DEPOSIT

HOLDERS SATISFACTION LEVEL WITH SPECIAL IBDI BANK ” is an original project done by
me under the guidance of PROF.SHIVGANGA MENDARGI, Branch Manager,

Mr. MANISH SIR Layout Branch, IDBI BANK,TULJAPUR .

I further declare that this project is the result of my

own efforts and this report has not been submitted to any other university.

Place: TULJAPUR Mr. GANESHSINGH KILLEDAR

Date:
 ACKNOWLEDGEMENT

I take this opportunity to express my gratitude to

PROF.SHIVGANGA MENDARGI, A Branch Manager, Mr. MANISH SIR Layout Branch, IDBI
BANK, for providing me an opportunity to do the project under his guidance despite his
busy schedule. His support and suggestions were immense in enabling the successful
completion of this project.

Thank You

Place: Solapur Mr. GANESHSINGH KILLEDAR

Date:
 ABHIJIT KADAM INSTITUTE OF MANAGEMENT AND SOCIAL
SCIENCE, SOLAPUR

INDEX
Sr. No. Particulars Page No.
01 CHAPTER -I
INTRODUCTION
01-11
02 CHAPTER-II
REASEARCH METHODOLOGY
12-23
03 CHAPTER-III
CONCEPTUAL DISCUSSION
24-26
04 CHAPTER-IV
DATA ANALYSIS
27-39
05 CHAPTER-V
FINDINGS AND CONCLUSION
40-44
06 CHAPTER-VI
ANNEXURE
45-46
 CHAPTER-I
INTRODUCTION TO THE
ORGANIZATION
  BANK DESCRIPTION :-

1)  Introduction :-

“We don’t want satisfied customers…we want delighted customers.”

It is the new marketing mantra today. The same applies to banking as
well. Retail banking and rural banking were once considered as taboos
by the leading foreign and domestic banks. But cut-throat
competition, innovation and advanced technology have altogether
changed the face of banking sector. Now all banks have recognized
the importance of retail banking.
 
Retail banking is that part of a bank that offers products and services
primarily to individual customers, professional, self-employed
individuals or small businesses. The focus is on creating products and
services that meet the needs of the target customers and are
profitable for the bank as well.
 
The approach to retail banking products is more is more on a mass
production basis Where in all risk and operations are based on and
geared to cater to a large number of customers. This is therefore,
significantly different from corporate banking or wholesale banking
where focus is on large sized customer accounts rather than large
numbers of customers.

 
Understanding retail banking will help in servicing your customer
better as it would give you a perspective and insight into how such
products are structured and specific requirements for each set of
products. This would help you advice your customer in a more
informed manner besides making you a more informed consumer.
 
With the advent of ATMs, ‘Anytime banking’ has come into picture.
Satellites and telecom networks across the world have made
‘Anywhere banking’ possible. Now it is the turn of ‘Anyhow banking’,
and the leading bank of the next century will be the one which has all
these three A’s.

1.1 A Brief Overview:

 
“IDBI Bank Ltd. – A New Generation Govt. Owned Bank”. The
Industrial Development Bank of India Limited, now more popularly
known as IDBI Bank, was established as a wholly-owned subsidiary of
Reserve Bank of India. The foundation of the bank was laid down
under an Act of
Parliament, in July 1964. The main aim behind the setting up of IDBI
was to provide credit and other facilities for the Indian industry,
which was still in the initial stages of growth and development. Since,
2005 IDBI expanded its wings in the retail section. Hence, it became
necessary to study the various scope of retail banking and the future
prospects of IDBI in the retail business. The project thus undertaken is
for the purpose to know the scope of retail banking business.
 
1.2 Objective Of The Study  :
 
My project entitled “Retail Banking Business with Special Reference
To IDBI Bank”
Aims at studying the scope of retail banking business in India. The
objective of doing this
Project is defined as under.
 
1) To study the retail banking business in of IDBI
2) To study the retail banking business of IDBI in many region in India.
3) To study how can IDBI improve on its retail banking business?
4) To compare the position of retail banking business in IDBI Bank
with its peer banks
(Bank of Baroda, State bank of India).
 
1.3 Relevance Of The Study  :
 
Banks are in the business of giving several services to its customers.
Retail Banking and Corporate Banking are its two main sections. Retail
banking is the section where banks cater the individual customers. It
accepts deposits, give out loans and provide several other value
added benefits such as phone banking, internet banking, sms banking
and many more. Through retail banking banks get personally
connected to the customers and deal them individually. Hence, it is
essential to evaluate different factors impacting the retail business of
the bank. Relevance of this project lies in the fact that it attempts to
study the scope that retail
Banking has in Mumbai with special reference to IDBI Bank. The study
also attempts to find the outcome of retail business of peer banks
which will give the bank understudy an idea of its position to its peer
banks in the area.
 
1.4 SCOPE OF THE STUDY:
 
To achieve the above objective I have not restricted my study to just
one branch. In order to study about the retail banking business in
Mumbai, and to understand the scope that IDBI has in this business, I
have visited many other branches and headquarter of IDBI Bank.
Through the
Questionnaire the statistical data received which helps to understand
the customer requirement and improvement need in retail banking
for IDBI bank.
 
1.5 Limitations :
 
To make mistake is human nature and I’m no exception. I have tried
to make this project approachable and helpful for the bank, but at the
same time I accept the occurrence of intermittent mistakes and do
accept them sincerely.
 Fig 2: Main Events in the History of IDBI Bank

Change Name of IDBI Ltd to IDBI Bank Ltd.

become effective from may 7, 2007

Merger with United Western bank on Oct 3

2006

Merger of IDBI Bank Ltd with IDBI Ltd

become effective from April 02, 2005

A new company under the name of Industrial

Development bank of India (IDBI Ltd.) was
incorporated as a Govt. company under the
Companies Act 1956 ,September 27,2004

Industrial development Bank of India (IDBI)

was Constituted under the Industrial
development bank of India act 1964

Fig 3: History Of IDBI Bank

3.1 Journey From IDBI To IDBI Bank Ltd
 
Industrial Development Bank of India Industrial Development bank of India 
(IDBI) was constituted under Industrial Development bank of India Act, 1964 as
a Development Financial Institution and came into being as on July 01, 1964
vide GoI notification dated June 22, 1964.It was regarded as a Public Financial
Institution in terms of the provisions of Section 4A of the Companies Act,
1956. It continued to serve as a DFI for 40 years till the year 2004 when it was
transformed into a Bank.
 
 
Industrial Development Bank of India Limited In response to the felt need and
on commercial prudence, it was decided to transform IDBI into a Bank. For the
purpose, Industrial Development bank (transfer of undertaking and Repeal)
Act, 2003 [Repeal Act] was passed repealing the Industrial Development Bank
of India Act, 1964. In terms of the provisions of the Repeal Act, a new
company under the name of Industrial Development Bank of India Limited
(IDBI Ltd.) was incorporated as a Govt. Company under the Companies Act,
1956 on September 27, 2004. Thereafter, the undertaking of IDBI was
transferred to and vested in IDBI
Ltd. with effect from the effective date of October 01, 2004. In terms of the
provisions of the Repeal Act, IDBI Ltd. has been functioning as a Bank in
addition to its earlier role of a Financial
Institution.
 
Merger of IDBI bank Ltd. with IDBI Ltd. Towards achieving the faster inorganic
growth of the Bank, IDBI Bank Ltd., a wholly owned subsidiary of IDBI Ltd. was
amalgamated with IDBI Ltd.
in terms of the provisions of Section 44A of the Banking Regulation Act, 1949
providing for voluntary amalgamation of two banking companies. The merger
became effective from April 02, 2005.
 
Merger of United Western bank with IDBI Ltd. The United Western bank Ltd.
(UWB), a Satara based private sector bank was placed under moratorium by
RBI. Upon IDBI Ltd. showing interest to take over the said bank towards its
further inorganic growth, RBI and Govt.
of India amalgamated UWB with IDBI Ltd. in terms of the provisions of Section
45 of the Banking Regulation Act, 1949. The merger came into effect on
October 03, 2006.
 
Change of name of IDBI Ltd. to IDBI Bank Ltd. In order that the name of the
Bank truly reflects the functions it is carrying on, the name of the Bank was
changed to IDBI Bank Limited and the new name became effective from May
07, 2008 upon issue of the Fresh Certificate of Incorporation by Registrar of
Companies, Maharashtra. The Bank has been accordingly
functioning in its present name of IDBI Bank Limited.
 
 3.2 IDBI Bank Ltd. – A Profile
 
IDBI Bank Ltd. is today one of India's largest commercial Banks. For over 40
years, IDBI Bank has essayed a key nation-building role, first as the apex
Development Financial Institution (DFI) (July 1, 1964 to September 30, 2004) in
the realm of industry and thereafter as a full-service commercial Bank
(October 1, 2004 onwards). As a DFI, the erstwhile IDBI stretched its canvas
beyond mere project financing to cover an array of services that contributed
towards balanced geographical spread of industries, development of identified
backward areas, emergence of a new spirit of enterprise and evolution of a
deep and vibrant capital market. On October 1,2004, the erstwhile IDBI
converted into a Banking company (as Industrial Development Bank of India
Limited) to undertake the entire gamut of Banking activities while continuing
to play its secular DFI role. Post the mergers of the erstwhile IDBI Bank with its
parent company (IDBI Ltd.) on April 2, 2005 (appointed date: October 1, 2004)
and the subsequent merger of the erstwhile The United Western Bank Ltd.
with IDBI Bank on October 3, 2006, the tech-savvy, new generation Bank with
majority Government shareholding today touches the lives of millions of
Indians through an array of corporate, retail, SME and Agri products and
services.

Headquartered in Mumbai, IDBI Bank today rides on the back of a robust

business strategy, a highly competent and dedicated workforce and a state-of-
the-art information technology platform, to structure and deliver personalized
and innovative Banking services and customized financial solutions to its
clients across delivery channels. As an Universal Bank, IDBI Bank, besides its
core Banking and project finance domain, has an established presence in
associated financial sector businesses like Capital Market and Investment
Banking, Home Finance, Primary Dealership area and more recently, the Life
Insurance Business. Recently,IDBI Bank reorganized its business and structure
commensurate with its aspiration to become a 'Top 5' Bank by asset size &
market capitalization by the year 2012. As a first step, to give the organization
the focus necessary for accelerated growth, the Bank has reorganized its
businesses around nine verticals, six customer verticals, each focusing on
distinct customer segments and three business verticals. Going forward, IDBI
Bank is strongly committed to work towards emerging as the 'Bank of choice'
and 'the most valued financial conglomerate' besides generating wealth and
value to all its stakeholders.

VISION AND MISSION

Branch Distribution :-
 CHAPTER NO.2:

RESEARCH METHODOLOGY

RETAIL BANKING

 RETAIL BANKING :-

Is typical mass-market banking where individual customers use local branches of

larger commercial banks? Services offered include: savings and checking accounts,

mortgages, personal loans, debit cards, credit cards, and so forth."

 Banking services for individual customers.

A. ) DEPOSIT
 o SAVING ACCOUNT

o CURRENT ACCOUNT

o FIXED DEPOSIT

o SUVIDHA PLUS FIXED DEPOSIT

o PENSION ACCOUNT

o SABKA ACCOUNT

1. ) SAVING ACCOUNT :-

Experience Complete Banking Convenience

The Super Savings Account is a complete financial package that provides customer with

easy access to their money and complete banking convenience too.

It offers a customer whole range of options for optimal management of money.

So apart from the basic benefits of a savings account, IDBI offer options for faster transfer

of funds, options to pay your bills or tax online and options to grow money at attractive

interest rates in the savings account.  All these features are offered for a minimum balance

of Rs 5,000.

 Instant Banking 

 International Debit Card  

 Family Account
  Quick Money Transfer 

 Easy Payments 

 Bank on the Move 

 Profit from your Account 

 Value Added Services 

 Travel and Gift Solutions 

2. ) CURRENT ACCOUNT

IDBI Current Accounts not only gives the flexibility of banking anytime, anywhere, but also

allows saving more money while doing business across the country.

Roaming Current Account from IDBI comes packed with a host of services and facilities that

makes banking convenient and hassle-free. With services such as multi-city and multi-

branch banking, electronic funds transfers, national clearing in 15 cities, 24x7 cash

withdrawals from ATMs, Internet Banking, Phone Banking and SMS Banking, customer are

assured of faster remittances and collection of funds at competitive rates. What’s more,

extended IDBI Banking hours and Sunday Banking, all this to simplify banking for you.

FEATURES

 Make payments to your vendors in different cities without any costs

  Receive payments from your customers without any charge deducted from the

amount.

 Do all your banking right from where you are or wherever you travel

 Most importantly, maintain better relations with your vendors and customers.

All this, only with the IDBI Roaming Current Account. 

Customer can open a Current Account (Basic Roaming Current Account) with only Rs

10,000.

Cash withdrawal limit per day in ATM’s is Rs 20,000.

3. ) FIXED DEPOSITS :-

IDBI Suvidha Fixed Deposits have always stood for safety, credibility and attractive rates of

interest.  What’s more, interest rates are among the highest in the industry so you get the

benefit of high rates of return on your savings. These deposits have been further packed

with the following features:

 Anytime access to your deposits

 Deposits across tenures of 15 days to 9 years

 Various Options to suit customer needs

Monthly Quarterly Income Plans

For those who seek regular incomes

A great option for people who require interest income at regular intervals. The interest

income will be credited automatically into savings account at the interval

(Monthly/Quarterly) specified by customer.

Quarterly Compounding Fixed Deposit

Ideal for those how want a higher rate of return combined with a low risk Fixed Deposit

This option re-invests the interest earned on customer deposit, every quarter resulting in a

higher rate of return.

For example, the interest rate for a 2 years + 1 day deposit is 5.80% p.a. but the effective

yield is higher at 6.11% p.a. on account of re-investment of the interest earned. Also, there

is automatic renewal of FDs on maturity hence customer don’t lose interest for a single

day.

Recurring Deposit

Ideal for those who want to save a fixed sum every month

In this Customer can start saving any amount from Rs. 500 to Rs. 1 lakh every month. The

amount as decided by Customer will be deducted every month from your savings account.
Further, there is no Tax deducted at source on these deposits and also no charges for

executing your standing instructions.

Overdraft against Fixed Deposit

Tide over your urgent cash requirements without breaking your Fixed Deposit

This option allows Customer to continue earning the higher rate of interest on an FD and at

the same time, Customer meet their monetary requirements.

An overdraft of upto 90% of the FD/Multiple FDs held with the bank, will be setup in your

zero balance savings account.

The overdraft can be availed against an FD amount of Rs. 50,000 or higher at very

competitive rates. Moreover, the overdraft is first given on the FD earning least interest so

that your interest payout is minimized.

Senior Citizens Fixed Deposits

Earn higher rates

In senior citizen case, customer can have the advantage of earning higher interest on their

regular income plans and reinvestment plans.

IDBI interest rates for senior citizens are higher by 0.50% pa. You can choose from tenure

ranging from 46 days to 9 years for minimum deposits starting from Rs 10,000
 4. ) SUVIDHA PLUS FIXED DEPOSIT :-

Suvidha Plus Fixed Deposit; a fixed deposit scheme that gives customer the advantage of

earning much higher return on your investments with interest rates at 9.5%*, 9%* and

8.5%*p.a. for regular deposits and 10%*, 9.5%* and 9%*p.a. for Senior Citizens.

List of benefits:

 Higher Interest Rate:

o 9.5%* p.a. for 800 days, 9%* p.a. for 360 days and 8.5%* p.a. for 300 days -

Regular Deposits

o 10%* p.a. for 800 days, 9.5%* p.a. for 360 days and 9%* p.a. for 300 days -

Senior Citizens Deposits

 Minimum Investment Amount: To invest in Suvidha Plus Fixed Deposit a minimum

investment of Rs. 10,000 is required. Deposits should be made in multiples of Rs.

1000.

 Tenure: 800, 360 and 300 days

 Overdraft / Loan against Fixed Deposit facility.

 Zero balance Savings Account*

 International ATM-cum-Debit card

 Cheque book

 Internet Banking facility

5) PENSION ACCOUNT :-

IDBI's Pension Account gives the joy of receiving pension without any tension. The Pension

account comes along a host of additional features that will bring banking at ease for

customer.

6) SABKA ACCOUNT:-

IDBI introduces Sabka Account - a savings account that’s literally meant for everyone;

absolutely elementary in its approach and with an average quarterly balance requirement

of just Rs 250.

SALIENT FEATURES OF SABKA ACCOUNT

Low average quarterly balance

Modern banking facilities with IDBI’s Sabka Account with just Rs 250.
Debit cum ATM Card and Cheque Book

Get an ATM cum Debit Card and cheque book on request at nominal charges*. The card

allows transacting at IDBI ATMs and shopping at retail outlets. The cheque book however,

will help to carry out other banking transactions

Free ATM and branch transaction*

customer can avail of 4 free transactions (2 financial and 2 non- financial) at IDBI ATMs and

2 free transactions at your IDBI branch in a month.

Multiple ways to access your account

now no need to visit the bank time and again. IDBI unique services like Phone Banking, SMS

Banking and Internet Banking will allow customer to access your account from anywhere,

anytime .

Quarterly Account Statements

Keep track of r Sabka Savings Account through free quarterly account statements.

If customers have registered for Internet Banking, they can also avail of the quarterly

account statements via email.

Recurring Deposits

This account offers a recurring fixed deposits service wherein customer can earn a higher

rate of interest just by investing a small amount (as low as Rs 500) every month.

Relaxation in Documentation for opening Sabka account

In case a person wants to open a Sabka account, but is not able to furnish all the

documents as required by the bank, an account can be opened with

 Introduction from another account holder who has been subjected to full KYC

procedure as required by the bank. (The introducer's account with the bank should

be at least six month old and should show satisfactory transactions. Photograph of

the customer who proposes to open the account and also his address needs to be

certified by the introducer)

Or

 Any other evidence as to the Identity and Address of the customer as required by

the bank.

6)  Methodology :-

6.1 Research Type

My research is based on the primary data. Primary data has been used to understand the
scope of retail banking business in Tuljapur
and then to make suggestions useful for the bank under study i.e. IDBI Bank ltd.

6.2 Data Type
Primary data has been used for the purpose of study of ' Retail banking business in Mumbai
at  IDBI Bank '.

6.3 Sample Selection:

To collect primary data regarding the scope of retail banking business of IDBI Bank , I
have visited to the various branches of IDBI bank and also Visited other Banks to get data for
comparative study with IDBI bank The list of peer banks
was selected on the basis of their visibility in Mumbai,scale of operation in Mumbai .

6.4 Data Collection Method

In order to collect the primary data, the method used was personal
A questionnaire was prepared in order to collect the data from customers to get their view
and suggestions and the information they have with retail banking products. Then the
Secondary data is collected from E-database sources like journals,reports and electronice
sources.

6.5 Tools Used for Data Analysis
As no study could be successfully completed without proper tools and techniques, same wit
h
my project. For the better presentation and right explanation I used tools of 
statistics and
computer very frequently. And I am very thankful to all those tools for helping me a lot. Basi
c tools which I used for project from statistics are-

Bar Charts
Tables
Pie-Charts

Bar charts proved really useful tools to show the result in a well clear, ease and 
simple way.
Because I used bar charts in project for showing data in a systematic way, so itneed no
t
necessary for any observer to read all the theoretical detail, simple on seeing the charts an
y body could know that what is being said.

CHAPTER NO.3:
 Conceptual Discussion

3.1 Covid-19 Related Policy Reforms :-

 Important announcements since the onset of COVID-19 :-

▪ The RBI significantly reduced the repo rate to 4% in May 2020 and injected
a large amount of liquidity of approximately 3.9% of GDP.

▪ With 100 bps cut in CRR, 155 bps cut in reverse repo and increase in MSF to
3% of net demand and time liabilities, attempts were afloat to enhance
credit flow in the economy and provide banks with increased access to
funds.

▪ The RBI deferred the implementation of the last tranche of 0.625 per cent.
of the Capital Conservation Buffer (CCB) from September 30, 2020 to April 1,
2021 and deferred the implementation of Net Stable Funding Ratio (NSFR)
guidelines from September 30, 2020 to April 1, 2021.

▪ A window provided under the Prudential Framework for Resolution of

Stressed Assets Directions 2019 to enable lenders to implement a resolution
plan in respect of eligible corporate exposures without change in ownership
as well as personal loans for borrowers having stress on account of COVID-
19, while classifying such exposures as ‘Standard’, subject to specified
conditions

▪ The Union Government of India, in announcements from May 12 to May

17, 2020, declared a series of measures across sectors as a part of a Special
Economic Package of more than INR 20 trillion – ‘Atma Nirbhar Bharat
Abhiyan’ to mitigate the impact of COVID-19.

3.2 Covid-19 Provisioning by the Bank:-

▪ In accordance with the RBI guidelines relating to ‘COVID-19 Regulatory
Package’ the Bank has granted a moratorium on the payment of installments
and or interest, as applicable, falling due between March 1, 2020 and August
31, 2020 to eligible borrowers classified as Standard, even if overdue, as on
February 29, 2020, without considering them as restructuring.

▪ The Bank has made a total cumulative provision of Rs. 7.06 Bn which is
more than minimum required as per the RBI guidelines.
▪ Bank has made COVID 19 related provision of Rs 2.47 Bn in March 2020
quarter and Rs 1.89 Bn in June 2020 quarter - cumulative COVID 19 related
provision of Rs. 4.36 Bn as at September 30, 2020). The provision made by
the Bank is more than minimum required as per the RBI guidelines.

▪ In response to RBI Resolution framework for COVID -19 related stress, the
Bank has made provision of Rs. 2.7 Bn towards the expected provisioning
requirement for cases to be restructured under the Resolution framework.

▪ An additional provision of Rs. 0.31 Bn has been created under Provision for
Standard Assets and interest of Rs. 0.16 Bn has been reversed for the
overdue interest on the accounts not classified as NPA as per RBI circular.
CHAPTER NO.4:

Data Analysis

Tools and Techniques:

As no study could be successfully completed without proper tools

and techniques, same with my project. For the better presentation and right

explanation I used tools of statistics and computer very frequently. And I am

 very thankful to all those tools for helping me a lot. Basic tools which I used for

project from statistics are:-

 Bar Charts
 Pie charts
 Tables

Bar charts and pie charts are really 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 detail, simple on seeing the charts any body

could know that what is being said.

 Technological Tools:

 Ms- Excel

 Ms-Access

 Ms-Word

Above application software of Microsoft helped me a lot in making

project more interactive and productive. 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. And in last 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 with out having any hypothesis and objective we can

not determine that what output 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.

o Mathematical Averages
o Standard Deviation
o Correlate
o

  Sources of Primary and Secondary data:

For the purpose of project data is very much required which works as a food
for process which will ultimately give output in the form 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.
 Primary Data:

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 filled those fields.

Source:

Main source for the primary data for the project was questionnaires which I got

filled by the customers or some times filled me on the basis of discussion with the

customers.

1. Secondary Data:

Secondary data for the base of the project I collected from intranet of the Bank and

from internet, RBI Bulletin, Journal by ICFAI University.

RATIO ANALYSIS
 

     What is Ratio Analysis?

For most of us, accounting is not the easiest thing in the

world to understand, and often the terminology used by accountants is part of
the problem. “Financial ratio analysis” sounds pretty complicated. The analysis
of the financial statements and interpretations of financial results of a
particular period of operations with the help of 'ratio' is termed as "ratio
analysis." Ratio analysis used to determine the financial soundness of a
business concern.
The term 'ratio' refers to the mathematical relationship between any two
inter-related variables. In other words, it establishes relationship between
two items expressed in quantitative form. According J. Batty, Ratio can be
defined as "the term accounting ratio is used to describe significant
relationships which exist between figures shown in a balance sheet and
profit and loss account in a budgetary control system or any other part of
the accounting management.

   Classification of Ratios:-

Accounting Ratios are classified on the basis of the different parties

interested in making use of the ratios. A very large number of accounting ratios
are used for the purpose of determining the financial position of a concern for
different purposes. Ratios may be broadly classified in to:

· Classification of Ratios on the basis of Balance Sheet.

·   Classification of Ratios on the basis of Profit and Loss Account.

· Classification of Ratios on the basis of Mixed Statement (or) Balance

Sheet and Profit and Loss account.
To meet the objective the study groups ratios and divides
three main parts which are Liquidity Ratios, Profitability Ratios, and Asset
Management Ratios.

 1.   Liquidity Ratio:

Liquidity ratio refers to the ability of a company to interact its assets that is
most readily converted into cash. Assets are converted into cash in a short
period of time that are concerns to liquidity position. However, the ratio made
the relationship between cash and current liability.

a.   Current Ratio:

Current Ratio = Current assets / Current liabilities

 b.   Cash Ratio:
 Cash Ratio = Cash / Current Liabilities

c.    Quick Ratio:
Quick Ratio = (Quick Assets - Inventories) / Quick Liabilities

**Quick Asset = Current Assets - (Stock + Prepaid Expenses)

**Quick Liabilities = Current Liabilities - Bank Overdraft

2.   Profitability Ratio:

Profitability ratios designate a bank's overall efficiency and performance. It
measures how to use assets and how to control its expenses to generate an
acceptable rate of return. It also used to examine how well the bank is
operating or how well current performance compares to past records of bank.

a.    Net Profit Margin:

 

Net Profit margin = Net Profit / Sales

b.    Return on Common Stock Equity Ratio:

 Return on Common Stock Equity Ratio = Net Income / Common Stockholders'Equity

c.    Return on Total Assets:

Return on Total Assets = Net Profits / Total Assets

3.   Asset Management Ratio:

Asset management ratios are most notable ratios of
financial ratios analysis. It measure how effectively any organization uses and
controls its assets. It is analysis how a company quickly converted to cash or
sale on their resources. It is also called Turnover ratios because it indicates the
asset converted or turnover in to sales.
a.    Current Asset Turnover Ratio:
Current Asset Turnover Ratio = Sales / Current Assets

b.    Total Asset Turnover:

Total Asset Turnover = Sales / Total Assets
c.    Debt Equity Ratio:
Debt Equity Ratio = Total Liabilities / Total Shareholder’s Equity

1.  Cash Ratio:

 

Cash Ratio =

Showing the Bank's Cash Ratio

Cash Current Ratio

Year Liabilities

(A) (B) (A/B)

2015- 33,686.09 3,29,103.91 0.1024

16

2016- 32,684.08 3,39,204.26 0.0964

17

2017- 16,580.54 3,46,650.34 0.0478

18
 Quick Ratio
1.2000

1.0000

0.8000

0.6000

Ratio (A/B)
0.4000

0.2000

0.0000
2015-16 2016-17 2017-18

 INTERPRETATION:

Above table presents Quick Ratio of three years from

2016 to 2018. In the above ratios the bank’s quick ratio (acid test ratio) of
2016 is 1.0454, 2017 is 1.0464 and 2018 is 1.0597 it shows us that bank
liquidity increasing positive growth year by year.

2. Current Ratio:

Current Ratio =

Table Showing the Bank's Current Ratio

Current Assets Current Liabilities Ratio
Year (A) (B) (A/B)
2015-16 3,44,044.55 3,29,103.91 1.0454
2016-17 3,54,958.96 3,39,204.26 1.0464
2017-18 3,67,349.00 3,46,650.34 1.0597
 Current Ratio
1.2000

1.0000

0.8000

0.6000
Ratio (A/B)
0.4000

0.2000

0.0000
2015-16 2016-17 2017-18

 INTERPRETATION:

Table 6.1 presents Current Ratio of three years from 2016 to 2018. In
the above ratios the bank’s current ratio of 2016 is 1.0454, 2017 is
1.0464 and 2018 is 1.0597 it shows us that bank’s current ratio is
increasing positive growth year by year.

2. Quick Ratio:

Quick Ratio =
 QUICK RATIO

Table Showing the Bank's Quick

Ratio

Year Quick Assets Current Liabilities Ratio

  (A) (B) (A/B)

2015-16 3,44,044.55 3,29,103.91 1.0454

2016-17 3,54,958.96 3,39,204.26 1.0464

2017-18 3,67,349.00 3,46,650.34 1.0597

Quick Ratio
1.2000

1.0000

0.8000

0.6000

Ratio (A/B)
0.4000

0.2000

0.0000
2015-16 2016-17 2017-18

 INTERPRETATION:
Table 6.3 presents Quick Ratio of three years from 2016 to 2018. In the
above ratios the bank’s quick ratio (acid test ratio) of 2016 is 1.0454, 2017
is 1.0464 and 2018 is 1.0597 it shows us that bank liquidity increasing
positive growth year by year.

4. Return on Total Assets:

 

Return on Total Assets Ratio =

RETURN ON TOTAL ASSETS

Table 6.6 Showing the Bank's Return on Total

Assets Ratio

Net Profit Total Assets Ratio

Year

(A) (B) (A/B)

2015-16 16,730.31 3,50,313.63 0.0478

2016- 7,985.42 3,61,767.92 0.0221

17

2017- 2,752.61 3,74,372.14 0.0074

18
 Return on Total Assets
0.0600

0.0500

0.0400

0.0300
Ratio (A/B)
0.0200

0.0100

0.0000
2015-16 2016-17 2017-18

 INTERPRETATION:

Table 6.6 presents Return on Asset Ratio of three years from 2016
to 2018. In the above ratios the bank’s return on asset ratio of 2016
is 0.0478, 2017 is 0.0221 and 2018 is 0.0074 it shows us that bank
profitability is not satisfactory because it’s decreasing year by year.
 CHAPTER NO.5:

Findings, Conclusions and

Recommendations.

Findings

 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.
 IDBI bank has potential a tapped market in Mumbai in region and hence
has opportunities for growth.

 The products of IDBI bank have good credibility in the region compare to its
competitors.

 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.

 The initial balance for A/C opening is Rs, 5000/- and that’s why people are
reluctant in opening the same.

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 day’s technology like internet banking, phone banking, used by

IDBI bank for providing banking services has sent positive signals in the

mind of consumes.
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 amount of resources deployed

by them in the market.

Recommendations

1. Since there is only two branch of IDBI bank and only three atms in Mumbai,

so it is necessary for IDBI bank to open more branches and install more

atms to serve the vast market of Mumbai especially.

2. More resources should be allocated in the market of Mumbai as there is

big untapped market in Mumbai, so it becomes necessary for IDBI bank for

taking an edge over the competitors.

3. A short advertising campaign in Mumbai has produced good results in a

short span of times, so to gain long term benefits is very necessary for IDBI

bank to carry on this campaign with more intensity.

4. As Government is the majority share holder in the shares of IDBI bank,

which makes this bank more reliable than other private banks, this thing
 can be used in the favors of IDBI bank by making people aware about this

fact and winning their faith.

5. As there are more crowd for passbook printing the IDBI bank has to open

the E-passbook printing which should be available at every Atm's

6. more BNA (Bank note Acceptor)Machines so the queues which are

generated for deposit will get decreased

Reference & Bibliography:

www.idbibank.com

www2.idbibank.com

www.google.com
The Economics times

The Times of India

\
Appendix

NAME………………………………………………………………………………

AGE……………………………………. SEX: MALE/FEMALE

CITY………………………………………PIN CODE………………………………....

CONTACT NO. …………………………………………………………………………

Email-ID.......................................................................................................

1. How long have you been associated with IDBI Bank Ltd?

0-1 Years 1-5 Years 5-10 Years Above 10 Years

2. As per Your Knowledge IDBI is –

Private Bank Co-Operative

Public Bank Don't Know

3. Which services have you availed from the Bank?

Savings Current Fixed Deposits Loans Investment

4. Are you currently

A Student Service Self Employed Retired HouseWife

Businessman

5. How do you rate the services of the Bank?

Excellent Very Good Good Satisfactory Needs Improvement

Suggestion ( if
any) .......................................................................................................................................
...........................................................................................................................................

6. Do you think IDBI is safe place for your money?.

Yes No

7. Do you use IDBI credit cards?

Yes No
8. IDBI bank ltd. is a good bank for-

Service people Business persons

Politicians General public

All of above

9. Would you like to refer any of your friends or relatives?

………………………………………………………………………..............