Union Bank PDF

“A FIELD STUDY ON FINANCIAL SERVICES PROVIDE
BY UNION BANK KANAKAPURA”

Dissertation submitted in partial fulfillment of the requirements for the award
of the Degree of
BACHELOR OF BUSINESS ADMINISTRATION

Of
BANGALORE UNIVERSITY
2022-23
Submitted By
ANUSHREE
Reg. No: 20KQC26004
Under the guidance of
MRS. LAKSHMIDEVAMMA
M.com,NET
ASSISTANT PROFESSOR
DEPARTMENT OF COMMERCE AND ADMINISTRATION
RURAL COLLEGE
KANAKAPURA – 562117
(Affiliated to Bangalore University)

DEPARTMENT OF COMMERCE AND ADMINISTRATION
COLLEGE CERTIFICATE
This is to certify that ANUSHREE has successfully completed the project

titled “A FIELD STUDY ON FINANCIAL SERVICES PROVIDE BY
UNION BANK KANAKAPURA”. This report submitted in partial
fulfillment of the degree of Bachelor of Business Administration of Bangalore
University.
This report work has not been published or not submitted either wholly or
partially for the award of any degree or diploma. This is an original work
done by the student.
Prof,M T Balakrishna Msc MPhil Dr. Thammannagowda Hema N MBA, M.com, B.Ed., KSET
Principal M.com, M.Phil., PhD Co- Ordinator ,Department of
Rural College HOD Department of Commerce Commerce and administration
GUIDE CERTIFICATE
MRS.LAKSHMI DEVAMMA. M.COM, NET,
ASSISTANT PROFESSOR
DEPARTMENT OF COMMERCE
RURAL COLLEGE, KANAKAPURA 562117.
This is to certify that the report “A STUDY ON FINANCIAL SERVICES PROVIDE
BY UNION BANK ” is based on the study conducted by ANUSHREE under my
guidance. This report has not formed the basis for the award of any other
degree/diploma by any other University.
Place: Kanakapura Signature of the guide

Date: (MRS.LAKSHMIDEVAMMA)
DECLARATION
I, the undersigned, hereby declare that this report entitled “A STUDY ON FINANCIAL
SERVICES PROVIDE BY UNION BANK” is a genuine work prepared by me, under the
guidance of MRS. LAKSHMIDEVAMMA and this is my original work. The empirical
findings in the report are based on the data collected at the above said industries,
presented in this report is not copied from any other source. This case study analysis
report has not been submitted for the award of any degree or diploma either in
Bangalore University or any other university. This work is humbly submitted to Rural
Degree College for the award of the degree of Bachelor of Business Administration.
Place: Kanakapura
Date:
(ANUSHREE )
ACKNOWLEDGEMENT
I express my gratitude to our principal Prof. M T Balakrishna Sir for their support and
blessings.
I sincerely thank my guide Mrs.Lakshmidevamma Assistant professor for her constant

guidance and support.
I would like to thank BBA coordinator and Associate Professor Mrs. HEMA N for her
support.
I would like to thank students and management for their support.
I finally thank the GOD and my parents for the blessing.
Place:Kanakapura
Date: (ANUSHREE )
TABLE OF CONTENT
SL. NO CHAPTER PAGE NO
1. INTRODUCTIONS 1 -15
2. RESEARCH DEGIN 16 - 18
3. DATA ANALYSIS AND INTERPRETATION 19 - 44
FINDING SUGGESTIONS AND 19 - 46

4. CONCLUSION
5. ANNEXURE 47 - 50
LIST OF TABLE
SL. NO TABLE NANE PAGE NO
3.1 20
Table showing age group of responded
3.2 21
Table showing Gender group of responded
3.3 22
Table showing. accusation of responded
3.4 Table showing How do you information about 23

financial services
3.5 Table showing Do you think that bank sector all your 24
banking needs provided.
T
3.6 able showing For the past how many years are you 25
using the bank’s service
3.7 Table showing Which of the following facilities is 26

given more importance in your bank
3.8 Table showing When you think of your bank, what 27

comes first in your mind
3.9 Table showing Do they charge unnecessarily for not 28

maintaining minimum balance in your account
3.10 Table showing Do you have Bank offers competitive 29

interest rate
3.11 Table showing Do you use the financial services of 30

alternative bank
3.12 31
Table showing What type of the services have you
3.13 Table showing Which service do you have frequently 32

use
Table showing service quality at branch level 33

3.14
3.15 Table showing How often do you typically use the 34

services
LIST OF TABLE
SL.NO TABLE NAME PAGE NO

3.16 What kind of account do you maintain in this bank 35
3.17 Do your bank account any recreation financial services 36

facility
3.18 Do your bank have core banking services facility for the 37
customers
3.19 Do your bank offers competitive service charges 38
3.20 What do you fell about overall special finance services 39

quality of you
3.21 Financial services to provide a sequrity 40
3.22 How would you rate of access and the usefulness of our 41
online bank/ channel
3.23 Are you satisfied with the number of financial services 42

offered on our online banking platform
3.24 Over all your feel about financial services 43

LIST OF GRAPH
SL. NO GRAPH NANE PAGE NO
3.1 Table showing age group of responded 20
3.2 Table showing Gender group of responded 21
3.3 Table showing. accusation of responded 22
3.4 Table showing How do you information about 23

financial services
3.5 Table showing Do you think that bank sector all your 24
banking needs provided.
T
3.6 able showing For the past how many years are you 25
using the bank’s service
3.7 Table showing Which of the following facilities is 26

given more importance in your bank
3.8 Table showing When you think of your bank, what 27

comes first in your mind
3.9 Table showing Do they charge unnecessarily for not 28

maintaining minimum balance in your account
3.10 Table showing Do you have Bank offers competitive 29

interest rate
3.11 Table showing Do you use the financial services of 30

alternative bank
3.12 31
Table showing What type of the services have you
3.13 Table showing Which service do you have frequently 32

use
Table showing service quality at branch level 33

3.14
3.15 Table showing How often do you typically use the 34

services
LIST OF GRAPH
SL. NO GRAPH NANE PAGE NO

3.16 What kind of account do you maintain in this bank 35
3.17 Do your bank account any recreation financial services 36

facility
3.18 Do your bank have core banking services facility for the 37
customers
3.19 Do your bank offers competitive service charges 38
3.20 What do you fell about overall special finance services 39

quality of you
3.21 Financial services to provide a sequrity 40
3.22 How would you rate of access and the usefulness of our 41
online bank/ channel
3.23 Are you satisfied with the number of financial services 42

offered on our online banking platform
3.24 Over all your feel about financial services 43

“ A FIELD STUDY ON FINANCIAL SERVICES PROVIDE BY UNION
BANK KANAKAPURA ”.
CHAPTER 1
INTRODUCTION
FINANCIAL SPECIAL SERVICES PROVIDE BY UNION BANK

1.1 FINANCE
The word finance is derived form the Latin word finis. Finance is commonly referred as the
life blood of the business; it is one of the foundations on which modern business is built
finance refers to the activity concerned with money critical in nearly all aspects of business in
today’s money critical economy. Almost all activities involve some form of financial
transactions.
Finance is one of the major Clements, which activity the overall growth of the economy. A
well knit financial system directly contributes to the growth of economy an efficient financial
instruments and finance market any business enterprise big, medium or target and various
others goals. Finance Is so indispensable totally that is rightly said to be “the life good of an
enterprise”.
1.2 MEANING OF FINANCE
Finance is the one of the major elements, which activity the overall growth of the economy.
Finance is the lifeblood of economic activity. A well-knit financial system directly
contribution to the growth performance of, financial instruments and financial market.
1.3 DEFINITION
According to gateman and do gall business finance can be benefit as the activity concerned
with planning, raising, controlling, administering of found and business.
Financial means relating to or involving money. The company is in financial difficulties.

Synonyms: economic, business, money, budgeting More Synonyms of financial. financially
adverb.
1.4 FEATURES OF FINANCE

Investment Profitable
opportunities opportunities
Optimal mix
of funds
System of internal Future decision

controls making
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1.5 FUNCTIONS OF FINANCE
 Facilitating Payment
 Transfer of Resources
 Managing Information
 Efficient Middleman
 Pooling of Resources
 Fulfilling the social obligation of a business unit
1.6 SCOPE Of FINANCE
It is largely concerned with the allocation of a firm's capital expenditure over time as also
related decisions such as financing investment and dividend distribution. Most of these
decisions taken by the finance department affect the size and timing of future cash flow or
flow of funds.
 Estimating the financial requirements

 Determining the structure of capitalization
 Choice of sources of finance
 Investment decisions
 Management of earnings
 Management of cash flow
1.7 MEANING OF BANK
The term bank refers to a financial institution which deals withb deposit and advances and
other related services. Bank service money from those whowant to save in the form of deposit
and it lends money to those who need it.
1.8 DEFINITION OF BANK
bank, an institution that deals in money and its substitutes and provides other money-related
services. In its role as a financial intermediary, a bank accepts deposits and makes loans.
1.9 FUNCTIONS OF BANK
 Acceptance of deposits from the public.

 Provide demand withdrawal facility.
 Lending facility.
 Transfer of funds.
 Issue of drafts.
 Provide customers with locker facilities.
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 Dealing with foreign exchange
 Lending loan and advances
1.10 FEATURES OF BANK
The main features are as follows
 Dealing in money: Bank is a financial institution which deals with other people money
given by depositors.
 Individual Firm/company: A bank may be a person, firm or a company. a banking

company means a company which is in the business of banking
 Acceptance of Deposit: A bank accepts money from the people in the form of deposits
which are usually repayable on demand or after the expiry of a fixed period it gives safety
to the deposits and acts as a custodian of funds of its customers.
 Giving Advance : A bank lends out money in the form of loans to those who require it for
different purposes payment and withdrawal. A bank provides easy payment and
withdrawal facility to its customers in the form of cheques and drafts. It also brings bank
money in circulation.
 Agency and utility Services: A bank provides various banking facilities to its customers.
They include general utility services and agency services.
 Profit and service orientation; A bank is a profit seeking institution having service-
oriented approach.
 Ever increasing functions: banking is an evolutionary concept. There is continuous

expansion and diversification as regards the function, service and activity of a bank
 Connecting link: A bank acts a connecting link between borrowers and lenders money of
bank collect money form those who have surplus money and gives the same to those who
are need of money.
 Banking business; a banks main activity should be to do business of banking which

should not be subsidiary to any others business.
 Name identity; a bank should always add the word bank to its name to enable people to
know that it is a bank that it is dealing in money.
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1.11TYPES OF BANK
 Central Bank.
 Cooperative Banks.
 Commercial Banks.
 Regional Rural Banks (RRB)
 Local Area Banks (LAB)
 Specialized Banks.
 Small Finance Banks.
 Payments Banks.
1.12COMMON TYPES OF BANK
 What Are Financial Institutions and Banks? The kinds of institutions that exist in the finance
industry run the gamut from central banks to insurance companies and brokerage firms
 Central Banks
 Retail Banks
 Commercial Banks
 Shadow Banks
 Investment Banks
 Cooperative Banks
 Credit Unions.
1.13 IMPORTANCE OF BANK
Banks are one of the most important parts of any country. In this modern time money and its
necessity is very important. A developed financial system of the country ensures to attain
development. A modern bank provides valuable services to a country. to attain development
there should be a good developed financial system to support not only the economic but also
the society. So, a modern bank plays a vital role in the socio economic matters of the country.
Some of the important roles of banks in the development of a country are briefly mentioned
below.
 Banking is an integral part of the whole financial sector. It affects the country’s economy by
providing investment, credit, and infrastructure.
 The banking sector plays a significant role in the economic growth and development of any
country.
 The global banking sector is estimated to be over USD 20 trillion. It includes trade, finance,
insurance, and investment activities of banks.
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 With the advent of computers and micro processing machines, now most banks have been
automated. Financial transactions have been made easier and quicker. With the easy
availability of funds, entrepreneurs can get more funds for their businesses.
 The Banking Sector has also helped poor farmers in developing countries by providing them
with credit facilities.
 The banking sector has also been criticized for not providing people with sufficient access to
funds, a lack of transparency, too big of a size, and its role in the global economy.
1.14COMMERCIAL BANKS
A commercial bank is a financial institution that provides services like loans, certificates
of deposits, savings bank accounts bank overdrafts, etc. to its customers. These
institutions make money by lending loans to individuals and earning interest on loans.
COMMUNITY BANK
Locally operated financial institution that empower employees to make local decisions to
serve their customers and the partners
 POSTAL SAVING BANK
a savings bank conducted by a government through the local post offices.
 PRIVATE BANK
Private banks are banks owned by either the individual or a general partner(s) with limited
partner(s). Private banks are not incorporated. In any such case, creditors can look to both the
"entirety of the bank's assets" as well as the entirety of the sole-proprietor's/general-partners'
assets.
 OFFSHORE BANK
Offshore banking describes a relationship that a company or individual has with a financial
institution outside the country of their residence. This requires opening a bank account,
making deposits, withdrawals, and transfers from that account the exact same way you would
with a bank account at home.
 OFFSHORE BANKS
Banks located in jurisdictions with low taxation and regulation. Many offshore banks are
essentially private banks.
 SAVING BANK
A savings bank is a financial institution whose primary purpose is accepting savings

deposits and paying interest on those deposits.
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Savings banks and savings-and-loans are often confused. The original function of savings
banks to service consumers was limited to savings. Savings banks invested
in government and corporate debt. Savings and loan associations had a dual purpose which
gave more importance to home loans.
1.15 TYEPS OF INVESTMENT BANK
INVESTMENT BANKS UNDERWRITE’(guarantee the sale of stock and bond issues, trade
for their own accounts, make market, provide investment management, and advise
corporation on capital market activities such as mergers and acquisition.
MERCHANT BANKS were traditionally banks which engaged in trade finance. The modern
definition, However, refers to banks which provide capital to firms in the form of shares
rather than loans. Unlike venture caps, they tend not to invest in new companies.
UNIVERSAL BANKS,
More commonly known as financial services companies, engage in several of these activities.
These big banks are much diversified group that, among other services, also distribute
insurance
ACCPETING DEPOSITS
The bank collects deposits from the public. These deposits can be of different types such as
Saving deposits
Fixed deposits
Current deposits
Recurring deposits
Types of bank loans and advances are:
 Overdraft
 Cash credit
 Loans
 Discounting of Bill of exchange
 Overdraft:
Type of loans
 Personal loans
 Home loans
 Education loans
 Vehicle or car loans
 Agriculture loans
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 Business loans
 Gold Loans
 Long against insurance policy loan
1.19 Transfer of funds:

A Funds Transfer is a sequence of events that results in the movement of funds from
the remitter to the beneficiary. It is also defined as the remittance of funds from one
party to itself or to another party through the banking system.
 Collection of fund
 Periodic payment
 Portfolio management
 Periodic collection
1.16GENERAL UTILITY FUNCTION
 Issue of drafts, letter of credit, locker facility

 Understanding of share
 Dealing in foreign exchange
 Project report
 Social welfare programs
 Other utility function
Issue of Drafts and Letter of Credits:

Bank issue draft for a transferring money form one place to another. It also issue later
of credit, Specially in case of import trade. It also issue travellers cheque.
Locker Facility
The Bank provides locker facility for the safe custody of valuable documents, gold, or
property agreement and other valuables.
Understanding of Shares:
A share represents a unit of equity ownership in a company. Shareholders are entitled
to any profits that the company may earn in the form of dividends. They are also the
bearers of any losses that the company may face.
Dealing in Foreign Exchange

The commercial bank are allowed by RBI to deal in foreign exchange.
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RESALE OF BANK TRADITIONAL SERVICES
MODERN SERVICES
1.17 TRADITIONAL SERVICES

 Accepting deposit
 Withdrawal service
 Overdraft services
 Bill of discount
 Issuing of loans
 Application processing
 Credit analysis without financial
 Credit analysis with financial
 Client credit evaluation
 Transaction documents
 Contract booking
 Collection
 Customer service
 Financial reporting
 Management reporting
 Collection of tax
 Cash credit
MODERN SERVICES :
 ATM Automated teller machine.
It is an electronic computerized telecommunication device that allows a financial
customer to direciuse a service method of money withdrawal.
 Credit cards
A Credit card is a type of credit facility, provided by banks that allow customers to
borrow funds within a pre-approved credit limit. It enables customers to make
purchase transactions on goods and services.
 Debit card.
A Debit Card is a plastic currency or plastic money. Payment Card. You can use it to
buy things when you don’t have cash. Typically, the banks issue a Debit Card to
Savings Account holders, and it is linked to your account. All transactions made
through your Debit Card are reflected in your bank account statement.
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 Interest banking
It is refers to a system allowing individual to perform banking Activities at home Witt
the help of internet connection.
 E-banking services.
E-banking is a product designed for the purposes of online banking that enables you
to have easy and safe access to your bank account. E-banking is a safe, fast, easy and
efficient electronic service that enables you access to bank account and to carry out
online banking services, 24 hours a day, and 7 days a week.
 Tele bank services

A system enables banking transactions to be carried out by means of a
telecommunication network an interactive computer link.
 Core banking
It is normally defined as the business conducted by a banking institution with its
retinal and small businesses customers. Core banking basically is depositing and
lending of money.
 Digital bank
Is banking done through the digital platform, doing away with all the paperwork like
cheques, pay-in slips, Demand Drafts, and so on. It means availability of all banking
activities online.
 KBL-M pass book

KBL-M pass book is a mobile application [App], which facilitates Bank’s customers
to view/download statement of accounts in the form of passbook using their smart
phones/tablets at their convenience without visiting the branch.
 Electronic payments and cheques

An electronic check, or e-check, is a form of payment made via the Internet, or
another data network, designed to perform the same function as a conventional paper
check. Since the check is in an electronic format, it can be processed in fewer steps.
 Real time gross settlement

The acronym ‘RTGS’ stands for Real Time Gross Settlement, which can be explained
as a system where there is continuous and real-time settlement of fund-transfers,
individually on a transaction-by-transaction basis (without netting).
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INTRUSION OF UNION BANK
BANK PROFILE
1.18 BRIEF HISTORY

The dawn of twentieth century witness the birth of a banking enterprises UNION
BANK OF INDIA That was flagged off by none other than the father of the nation
Mahatma Gandhi.
1.19 THE BANK
Union Bank of India, commonly referred to as Union Bank or UBI, is an Indian

public sector bank headquartered in Mumbai. It has 120+ million customers and a
total business of US$106 billion. After the amalgamation with Corporation Bank and
Andhra Bank, which came into effect on 1 April 2020, the amalgamated entity
became the one of the largest PSU banks in terms of branch network with around
8700+ branches. Four of these are located overseas in Hong Kong, Dubai, Antwerp,
and Sydney. UBI also has representative offices at Shanghai, Beijing and Abu Dhabi.
UBI operates in the United Kingdom through its wholly owned subsidiary, Union
Bank of India (UK). The bank has a network of 8700+ domestic branches, 11100+
ATMs, 15300+ Business Correspondent Points serving over 120 million customers
with 75000+ employees
1.19 OBJECTIVE OF UNION BANK
To Give financial assistance to individuals or bodies, from out of its own funds, or by
collection from its members, or from any other source, and for the purpose of such
collection, to accept grants, donations, etc. in cash or kind from Government, its
members, other organizations, members of the public, etc.
 To regulate the issue of Banknotes.

 To secure monetary stability in the country.
 To meet the economic challenges by modernising the monetary policy framework.
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1.20 FUNCTION OF UNION BANK

Accepting the Deposits: The major source of funds in the bank’s deposits.
Advancing the Loans: This is another primary function of commercial banks. …
Credit Creation: A Cheque for paying the funds. …
Paying and Collecting the Credit
Purchasing and Selling of the Securities.
Bullion Trading.
Money Remittance.
1.21 BENEFIT
Customer Mumbai will get credit of outstanding cheque payable branch of the Bank
through local clearing i.e on 2 nd day.
Cheque issued by union Bank customer from anywhere in India will get cleared in
the local clearing at metro centres. If deposited at these centres by the beneficiary
1.22BRANCHES
Head office of union Bank of India located in NARIMAN POINT MUMBAI .
The Bank has opened more than 3000 branches parts of India the following are the
names of main headquarters of the union Bank
 Bhubaneswar
 Chandigarh
 Chenni
 Guwahati
 Patna
 Kanpur
 Mumbai
 Nagpur
 Bangalore
 New Delhi
 Thiruvananthapuram
1.23 LOANS SCHEMES
The Bank has been giving various types of loan and advances the credit of all type of
members of the society like farmers indirectly, salary warned expenditure subject to
instructions issue by the reserve Bank of India from time to time. The Bank has achieved the
target fixed and also for other customers.
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1.24 FUTURE PLANS
 Savings plan
 Endowment Assurance
 Children plan
 Money bank
 Investment plan
 Single premium whole life policy
 Protection plan
 Loan covers term Assurances
 Retirement plan
 Personal pention plan
 Key man insurance
 Partnership insurance plans
 Unit linked insurance plan
LOANS AND ADVANCE

1.25 UNION HOME
QUANTUM
 Max Rs. 300 lack for Mumbai, dehli, Kolkata, Chennai, Benglore.…
 For other cities Rs. 100 lack
 Max Rs.10 lack or repair
MARGIN
 For loan up to Rs.200 lacs, 20% of the cost of the property

 For loan aboveRs.200 lacs, 35% of the cost of the property
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OTHER ATTENTIVE FEATURES
 No repayment penalty
 Flexible repayment schedule
 Easy and convenient EMIS
1.26 UNION CASH
Rate of interest based rate 9.50% - 2022 loan up to Rs. 30 lakh
TENOR Upto 5 years >5 years To 10 > 10 years To >15; Years To

years 15 years 25 years
Fixed 10.75 % N.A N.A N.A
Floating Base rate+ Base Base rate+ Base rate+

0.50% I e rate+0.75%- 0.75% 1.00%
10.00% 10.25% 10. 25% 10.25%
QUANTUM
 Up to Rs. 1,00,000/- or 12 times the monthly pension, whichever is less.
MARGIN
 25% in case of deposit receipt NSC Bonds issue by government of India Financial
institutions.50% in case of shares and DEBENTURES.
REPAYMENT
 12-36 EMIs in case of Demand Loans repayable in Institution
 Above 36- 48 EMIs in the case of term loan
 RATE OF INSTREST 9.50%
 A fixed intrest rate of 15. 25% fixed
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1.27 UNION MILES
QUANTUM
 Four Wheeler-4 time’s the net annual income as per ITR salary slip subject to a
maximum loan of Rs 40 lakhs for New vehicle and Rs 10 lakh for old vehicle
 Two wheeler 4 time the net annual income as per ITR salary slip subject to a
maximum loan of Rs lakh for New vehicle
MARGIN
 15% of on road price (Ex-Showroom registration insurance road tax )50% of cost of
old vehicle
REPAYMENT
 Four wheeler A maximum of 60 months in Equated monthly instalment EMIs

 Two wheeler A maximum of 36 months in Equated monthly instalment EMIs
 Under Tie-up wheeler A maximum of 72 EMIs
SECURITY
Hypothecation of vehicle financial by union Bank
Bank’s line to be got noted with the transport authorities.
Period Rate of interest

4 wheeler new car
Up to 3 years 11. 50 % p. a
Over 3 years to 5 years 12.00 % p. a
2 wheelers
Up to 3 years 14. 25 % p.a
Over 3 years to 5 years 14. 50 % p. a
Old car ( not older than 3 14. 75% p. a
years)
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1.28 UNION EDUCATION
QUANTUM OF LOAN
Need-based finance subject to repayment capacity of the parents of students with margin and
up to the following ceilings
 For studies in India up to Rs.10 lakh

 For studies in India up to Rs. 20 lakh
MARGIN
 No margin for loan up to Rs. 4.00 lakh. However, for loan of higher amount, the
margin requirements is 5% for inland studies and 15% for studies abroad.
REPAYMENT
 Repayment holiday or moratorium on loan: course period 1 year or 6 month after job
placement, whichever is earlier.
 Starting from this point, the loan is to be repaid in 5-7 years after completion of
course period moratorium.
COLLATERAL SECURITY
 Up to Rs. 4.00 lakhs: no collateral security required

 Above Rs. 4.00 lakhs and up to Rs. 7.50 lacks: no required. A suitable third party
guarantee is required.
 Above Rs. 7. 50 lakhs: collateral security of suitable value is required
QUANTUM
 Maximum 90% of one month pension salary credited in the account
REPAYMENT
 Entire amount of overdraft and interest should be recorded while creating next
pension salary. Otherwise, it can be recorded in instalments within a period of 3
month’s, if so required by borrower.
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CHAPTER-2
RESEARCH DESIGN
2.1 MEANING OF RESEARCH
The research design method is defined as, it is plan for collecting and utilising data so that
information can be obtained.
Research design refers to the overall strategy utilized to carry out research that defines a
succinct and logical plan to tackle established research questions through the collection,
interpretation, analysis, and discussion of data.
2.2 DEFINITION OF RESEARCH
According toker linger Research in the plan, structure and strategy of study conceived in
order to get answers to research questions and also to control variance.
According to William zikumdnde the Research design is defined as a master plan specifying
the methods and procedures for collection and analyzing the needed information.”
2.3STATEMENT OF PROBLEM
Concerned about knowledge about various financial services provided by the union Bank of
India.
The statement of the problem includes a study on financial services satisfied The major
responded the different type of services . Online banking as services product. Thus there is
needed to study customer perception towards the financial spacil services The bank as need to
analyze and understand what their consumer actually wants and what they perceive about
their offline services online service
2.4 SCOPE OF THE STUDY
 This project act as a reference guide or source of information it gives an Idea

regarding the various financial services provided by union Bank of India
 Useful to students to know the function of bank
 Useful for more academic purposes and future reference.
 This study is confined to study on financial services provided by union Bank of India.
It is not covered any other comparative study with other bank, the generalization
required father study anyone else.
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2.5 OBJECTIVES OF STUDY
 To understand the financial services provided by union Bank of India

 To analyse the general services provided by union Bank of India
 To provide the suggestion on the basis of finding
 To understand the general scenario of service provided by union Bank of India
2.6 RESEARCH METHODOLOGY
Research methodology is a way of systematically solving the research

problem. The methodology deals with the research design used and methods
used to present study. The research design adopted for study is descriptive
research, this method deals with description of the state of affairs, as it exists
present.
2.7 SOURCES OF DATA COLLECTION:
The data collection follows the formation of research design including the sample this
sample plan. While taking a decision regarding the method of data collection to be
used. I have been taking both primary and secondary data.
Questionnaire method. In this research design we have selected the method of
collecting information through primary data collection.tje data were collected through
the questionnaire method.
The service of the designated so that the participants could evaluate each question
though their lives of knowledge by using the link scale 4 point of scale – strongly agree,
agree , disagree and strategy collection.
2.8 SAMPLING DESIGN
Sampling techniques are broadly divided into two groups as probability sampling techniques
and non- probability sampling techniques.
Data source: through data and secondary data
Area of research: Through online content to digital user
Research instrument: Questionnaire
Questionnaire sample unit: The customers satisfaction to union Bank financial special
service’s.
Sampling size: 50 respondents
RCK Page 17
2.9 TOOLS AND TECHINIQUE USED:

1. Statistical techniques:
 Percentage
 Average
 Tools like tables and charts
2. Software:
 PC with internet access
 Internet
 MS Word and Excel
2.10 LIMITATIONS OF THE STUDY

 The study is confined to only, union Bank of India Kanakapura and therefore the
results and conclusion of study may not be applicable to other bank’s
 The study taken into consideration only the quantitative aspects and not qualitative
aspects
 Analysis is done on the assumption that financial data obtained is accurate
 In India busy World it was difficult in co-ordination, metting and interview with
concerned people
 In depth study were not done.
RCK Page 18
CHAPTER-3
DATA ANALYSIS AND INTERPRETATION
3.1 DATA ANALYSIS AND INTERPRETATION

Data interpretation is the process of reviewing data and arriving at relevant conclusions using
various analytical methods. Data analysis assists researchers in categorizing, manipulating,
and summarizing data to answer critical questions.
Data analysis aims to bring order and structure to data by manipulating, summarizing, and
reducing it to an interpretable form. It helps to uncover the patterns in the data. Data
interpretation aims to execute and apply processes that assign meaning to these discovered
patterns by analysing data.
3.2 Data Interpretation

Data interpretation refers to the process of using diverse analytical methods to review data
and arrive at relevant conclusions. The interpretation of data helps researchers to categorize,
manipulate, and summarize the information in order to answer critical questions.
RCK Page 19
Table number 3.1 : Table showing age group of Respondents
Particular Frequency Parentage
15 – 25 27 54 %
25 – 40 14 28 %
40 – 50 7 14 %
>50 2 4%
Total 50 100 %
Analysis:
In the study out of above 50 respondents 27 respondents belong to age group of 15-
25years , 14 respondents belongs to the age group of 25-40years , 7 belongs to 40-50
years and 2 belongs to above 50years age group.
Graph Number 3.1: Graph showing age group of Respondents
Interpretation: In the study majority of 54% respondents belongs to the age group of
15-25 years as they are youth and require finance for various purposes and minority of
4% belongs to the age group of above 50years take financial service from bank for only
essential requirement.
RCK Page 20
Table 3.2: Table showing Gender group of the Respondents
Male 14 28 %
Female 36 72 %
Total 50 100 %
Analysis :
In The study out of above 50responded 14 respondents are male and 36 respondents are
female.
Graph No 3.3: Graph showing Gender group of the responded.
Chart Title
Total
Female
Male
0 10 20 30 40 50 60
Parentage Frequency
Interpretation: In this study above bar graph indicates that majority of 72% are female
and minority of 28% are male.
RCK Page 21
Table 3.3: Table showing Occupation of the Respondents
Student 23 46 %
Professional 27 54 %
Total 50 100 %
Analysis :
In the study out of above 50 responded 23 respondents are students and 27 respondents are
professional.
Graph No.3.3: Graph showing occupation of the responded
Interpretation: it can be interpreted chart indicate majority 54% of respondents are

professional as they are the most who opt finance more than students.
RCK Page 22
Table 3.4 : Table showing information about financial services ?
Friends 12 24 %
Family 8 16 %
Advertisement 11 22 %
News 12 24 %
Other sources 7 14 %
Total 50 100 %
Analysis :
In The study out of 50 responded 12respondents say that they got to know by friends,8
from their family members,11 respondents say that from advertisement, 12 from news,
and 7 respondents collect the information from other sources of financial service.
Graph No.3.4: Graph showing information about financial services
Interpretation: It can be interpreted from the chart that majority of 24 % respondents

came to know about financial services from friends and News and minority of 14% from
other source like social media and posters.
RCK Page 23
Table3.5: Table showing bank sectors provide all banking needs.
Particular Frequency Percentage
Yes 24 48 %
No 26 52 %
Total 50 100 %
Analysis:
In the study out of 50 responded are 24 respondents say that yes and 26 of responded No.
Graph No 3.5: Graph showing bank sectors provide all banking needs.
Chart Title
50
40
30
20
10
0
Yes No Total
Frequency Persentage
Interpretation: In the above bar graph indicate that majority 52% of respondents say that
is no because banking sectors will not provide all kinds of the services required by customers.
RCK Page 24
Table 3.6: Table showing how many years are using the bank’s service.
5 years 14 28 %
7 years 13 26 %
10 years 11 22 %
>more years 12 24 %
Total 50 100 %
Analysis :
In the study out of 50 responded 14 respondents using financial services from 5 years, 13
respondents from 7 years 11 respondents from 10 years and 12 respondents using from more
than 12 years
Graph Number 3.6: Graph showing how many years are using the bank’s
service.
Frequency
60
50 Total, 50
40
Axis Title
30
20 Frequency
5 years,7 14 >more years,
years,1013years,
10 11 12
0
0 2 4 6
Axis Title
Interpretation: In this X Y scatter graph the majority of 28% respondents use the Bank
service since 5 years and minimum of 22% respondents using since 10years.
RCK Page 25
Table 3.7: Table showing Bank facilities is given more importance of

service

Loan facility 20 40 %
Overdraft 8 16 %
ATM facility 22 44 %
Total 50 100 %
Analysis :
In This study of 50 responded20 respondents agree that the loan facility given the higher
number of respondents 8 agree for overdraft facility and 22 agree for ATM facility.
Graph No 3.7: Graph showing Bank facilities is given more importance of

service
Chart Title
50
40
30
20
10
0
Loan facility Overdraft ATM facility Total
Frequency Percentage
Interpretation: In the study majority of 44% respondents agree that the ATM
facility was given more importance in a bank because customers can avail all services
through bank and minority of respondents agree that overdraft is given importance
where few customers require finance for emerging and avail through BOD.
RCK Page 26
Table 3.8: Table showing customer thoughts about bank, what comes first
in our mind.

Customer service 17 34 %
Wide branch network 10 20 %
Computer banking 10 20 %
Online services 13 26 %
Total 50 100 %
Analysis :
In The study out of 50 respondents 17 responded customer service, and10 responded the wide
branch network and 10 responded option is computer banking, and 13 responded answers is
online services.
Graph No.3.8: Graph showing customer think of bank, what comes first in
our mind.
Interpretation: In the study it shows that majority of 34% respondents say that customers
service is that first thing that comes to mind when they think of bank because union bank is
providing good satisfying services and minority of 20% responded wide branch and
computerised banking because it is adopted in few banks branches.
RCK Page 27
Table 3.9: Table showing charge unnecessarily not maintaining minimum

balance account
Yes 19 38 %
No 13 26 %
Maybe 18 36 %
Total 50 100 %
Analysis :
In the study out of 50 respondents of 19 responded yes and 13 responded No and 18
responded answers is maybe.
Graph No.3.9: Graph showing charge unnecessarily not maintaining

minimum balance account
Interpretation: It can be interpreted that bar graph shows on the Bank majority responded
yes bank charge unnecessary charges because of not maintaining minimum Balance in the
account and ATM maintenance charges etc
RCK Page 28
Table 3.10: Table showing bank offers competitive interest rate.
Yes 41 82 %
No 9 18 %
Total 50 100 %
Analysis:
In the study out of 50 respondents 41 responded answer is yes 9 respondents answer is
No
 Graph No.3.10: Graph showing bank offers competitive interest rate.
Frequency
50% 41%
9%
Yes No Total
Interpretation: it can be interpreted that majority of the 82% respondents agreed that bank
offers competitive interest because respondents will be paying interest
RCK Page 29
Table 3.11: Table showing use the financial services of alternative bank
Yes 32 64 %
No 18 36 %
Total 50 100 %
Analysis :
In the study among out of 50 responded of 32 respondents answered yes and 18 respondents
answered no.
Graph No 3.11: Graph showing use the financial services of alternative

bank
CHART TITLE
Total
No
Yes
0 10 20 30 40 50
Percentage Frequency
Interpretation: The above study bar graph indicates that a majority of 64% respondents
agree that they use financial service of other bank because the have multiple bank account
and they utilize the financial service offered by other bank also.
RCK Page 30
Table 3.12: Table showing what type of the services used.

Deposit 12 24 %
Credit 11 22 %
Fund transfer 9 18 %
Cash management 14 28 %
EBS 11 22 %
Total 50 100 %
Analysis:
In the study out of 50 responded are 12 respondents use that deposit, 11 respondents use
credit services, 9 respondents fund transfer, 14 respondents cash management, 11 respondents
EBS use this service
Graph No 3.2: Graph showing What type of the services used.
Interpretation; It can be interpreted that majority that 28% of respondents used cash
management services as a result of the service.
RCK Page 31
Table 3.13: Table showing frequently use the financial services

Deposit 8 16 %
Credit 9 18 %
Fund transfer 4 8%
Cash management 4 8%
ATM 17 34 %
Trade finance 8 16 %
Total 50 100 %
Analysis :
Out of 50 participants, 50 replied to the survey. Of those, 8 respondents to deposits, 9 to
credit, 4 to money transfers, 4 to cash management, 17 to ATM services, and 8 to trade
finance services.
 Graph NO.3.13: Graph showing frequently use the financial services
Interpretation: In this pie chart, the majority of respondents responded, representing 34%
of members who use ATM frequency.
RCK Page 32
Table 3.14: Table showing Service quality at branch level quality.
Very satisfied 5 10 %
Satisfied 20 40 %
Natural 21 42 %
Dissatisfied 4 8%
Total 50 100 %
Analysis :
In The study out of above 50 responded ore 5 respondents say that service quality of level is
very satisfied and 20 respondents agree that satisfied, 21 respondents frequency agree that
natural of branches level and 4 responded say that dissatisfied our bank branch level.
Graph No 3.14: Graph showing Service quality at branch level quality.
CHART TITLE
100%
99%
98%
97%
Interpretation : It can be interpreted bar chart show that the majority of the 42% of client
response is an external factor at the branch level.
RCK Page 33
Table 3.15: Table showing How often do you typically use the services .

Daily 5 10 %
Once week 9 18 %
Once month 13 26 %
2-3 time a month 22 44 %
Once for 6 month 1 2%
Total 50 100 %
Analysis :
In the study out of 50 respondents who provided feedback for the study, 5 said they used their
accounts daily, 9 said they used them once per week, 13 said they used them once per month,
22 said they used them twice or three times per month, and the remaining 1 said they used
them only once every six month
Graph No 3.15: Graph showing How often do you typically use the services.
Interpretation: It is possible to read a funnel chart that shows that the majority of 44% of
respondents utilise this service between two and three times each month
RCK Page 34
Table 3.16: Table showing type of account maintain in this bank.

Current Account 5 10 %
Saving Account 42 84 %
Loan Account 3 6%
Demit Account - -
Total 50 100 %
Analysis :
In The study out of above this 50 responded of 5 use this current Account, respondents 42
used the savings account and 3 respondents use this loan account, demand account no one
responded in this a/c.
 Graph No.3.16: Table showing type of account maintain in the bank
Frequency
60
50
40 42
20
0 5 3
0 1 2 3 4 5 6
-20
Frequency
Interpretation: The above on this x y scatter chart the respondents most majority 84%o
maintain saving Account, compared to other kind of accounts service.
RCK Page 35
Table 3.17: Table showing recreation financial services facility for the
customer services.
Yes 41 82 %
No 9 18 %
Total 50 100 %
Analysis :
The study of this table shows that out of 50 respondents 41 respondents agree that the bank is
providing recreational financial service and 9 respondents do not opt for recreational financial
services.
Graph No 3.17: Graph showing recreation financial services facility.
Interpretation;
It can be interpreted this pie chart shows that financial banking account recreational services
must 82% of the majority of responses.
RCK Page 36
Table 3.18: Table Showing core banking services facilities for the
customers.
Yes 39 78 %
No 11 22 %
Total 50 100 %
Analysis :
In This study out of above 50 responded of 39 respondents say that union Bank has provided
by the core banking service facility for the customers and it's more useful, 11 respondents no,
some other customer not given by in this service.
Graph No 3.18: Graph showing core banking services facilities for the
customers.
Frequency
11% 50% Yes

50% No
39%
Total
Interpretation:
The pie chart shows the top majority of 78% of customers have basic banking service, so the
answer is yes.
RCK Page 37
Table 3.19:Table showing bank offers competitive Service charges.
Yes 36 72 %
No 14 28 %
Total 50 100 %
Analysis:
In The above of this table indicate out of above 50 responded of 36 respondents says yes
because union Bank offers two competitive service charges and 14 respondents say that no
some union Bank other bank will not serving charge provides.
Graph No.3.19: Graph showing back offers competitive Service charges
Chart Title
Total
No
Yes
0 10 20 30 40 50
Percentage Frequency
Interpretation: It may be interpreted that the majority 72% of respondents say yes to the
Bank provides competitive service fees.
RCK Page 38
Table 3.20: tablet showing overall special finance services quality of your
bank.

Excellent 3 6%
Very good 8 16 %
Good 16 32 %
Average 20 40 %
Poor 3 6%
Total 50 100 %
Analysis:
In The Study out of above 50 responded of 3 respondents excellence of overall special
finance service quality the customers and 8 respondents say that very good, 16 respondents
say that good and, 20 respondents say that strongly agree average the quality and 3
respondents say that poor this facility services quality.
 Graph No 3.20 : overall special finance services quality of your bank.
Interpretation : It may be interpreted that a majority of 40% of respondents completely

agree that the quality of financial services is average.
RCK Page 39
Table 3.21: Table showing financial Service to provide a Security
Yes 46 92 %
No 4 8%
Total 50 100 %
Analysis :
In the study over 50 respondents per 46 respondents say yes and 4 respondents say no to
provide subsequently
Graph No 3.21: financial Service to provide a Security
Interpretation : The pie chart indicates that out of a larger majority of 92% of customers
say yes to the services provided by a security are high.
RCK Page 40
Table 3.22: Table showing online banking platform services
Yes 45 90 %
No 5 10 %
Total 50 100 %
Analysis :
The study out of above 50 responded satisfied answers is 45 respondents say that yes and 5
responded say that No in this table indicate that most of the respondents answer is online
banking services are using full and satisfied
Graph No 3.22: Graph showing online banking platform services
Interpretation: it can interpret the majority of the 90% answered yes because on-line
banking is an advanced and more useful technology.
RCK Page 41
Table 3.23: Table showing Ease access and usefulness of our online Bank
channel

Excellent 7 14 %
Good 14 28 %
Average 28 56 %
Poor 1 2%
Total 50 100 %
Analysis:
In The study out of above 50 responded 7 respondents belongs to our online bank channel is
excellent and 14 respondents say that good, and 28 respondents say that strongly agree that
average and 1 responded say that poor, the online bank Service channel by using the
customer easy access
 Graph No.3.23: Graph showing Ease access and usefulness of our

online Bank/channel
Chart Title
100%
95%
Excellent Good
Average
Poor
Total
Interpretation:
The chart indicates that this is the majority of the more than 56% responded strongly
response is average, this online banking channel platform.
RCK Page 42
3.24 CONCLUSION
Financial services are the economic services provided by the finance industry, which
encompasses a broad range of businesses that manage money, including credit unions, banks,
credit-card companies, insurance companies, accountancy companies, consumer-finance
companies, stock brokerages, investment funds, individual
Currently, the market for financial services offers products to a large range of citizens
However, the impact of financial exclusion on social inclusion has meant that ensuring All
citizens are able to access services is now a political concern.
The project Maine important the customers understand and banking financial services
provided by customer of different types of sarvice has well as ATM online money transferred
and smart card facility EBS all type of loan provide and intrest rate ,EMI , E- banking
services, online banking digital payment to support in this service, so many different kind of
service to provide of union Bank of India to customer final answer is satisfied the Services.
RCK Page 43
CHAPTER- 4
FINDINGS, SUGGESTIONS AND CONCLUSION
4.1 FINDINGS
 From the analysis it was observed that the deposit and withdrawal in Savings bank
account of union Bank of India is constantly increased from year to year
 From the analysis it was observed that the deposit and withdrawal in current bank
account of union Bank of India is constantly increased from year to year
 From the analysis it was observed that lending of loan by union Bank of India for the
purpose of agriculture in increasing from year to year
purpose of hosing is constantly increased
purpose of mortgage is constantly increased
 The leading of loan by union Bank of India for the purpose of education is constantly
increased year to year
 Union Bank of India it provides leading of loan and some other special service’s.
 70% of the employees prefer the IBPS exam rather than the campus placement and
interviews for the recruitment and selection procedure of an employee.
 With this method of recruitment and selection they are satisfied.
 UNION Bank applied external method for the recruitment and selection.
 UNION BANK Ltd. Recruits and select employees between the ages of 18 to 30
maximum Where the average age of employees is of under the age 25-26 maximum.
 Union bank is a centralized processed bank all over India and the 5 ThLargest bank in
India as well
 There is strongly agreed that the H.R should be knowledgeable and experience person
 UNION BANK are more feasible with the external factor of the selection and
recruitment
RCK Page 44
4.2 SUGGESTIONS
 From the analysis it has suggested that bank must increasing in there number of
customers
 From the study it has been suggested that the Bank has to more constraints on
agriculture loans
 From the analysis it has been suggested that the Bank has to provide more education
for students
 From the study it has been suggested that banker must maintained customer
relationship
 It has been suggested that the banker must adopted new technology as implemented
CONCLUSION:
The present financial services environment for banking is highly volatile and uncertain. It is
highly Competitive and every bank is finding difficult to service grow, Stabilize and excel in
Banking business. Further, for better performance of bank service, Management must keep
watch on the emerging trends in business environment. The Proper and timely strategies are
to be adopted to improve efficiency of the whole Organisation.
Competition is faced from public, private, foreign and cooperative banks. They have adopted
The strategy for effective workings are use of advance technology and Changes in financial
service. No doubt performance has been improved but Manpower is not maintained and
utilized properly. For improvement in human Resources, special focus should be given on
selection, training, motivate career Opportunities or Customer etc.
RCK Page 45
BIBILOGRAPHY
TEXT BOOK
 Banking theory and practice – B.s.Raman

 Financial management- Reddy &appanaiah
 Financial market and services- Gordon
 Financial management and institution –L.M . Bhole
MAGAZINE
 Business Today
 Business word
NEWS PAPER
 The economic Times

 Business line
 Business standards
JOURNALS
 Management accounting
 RBI Journal
RCK Page 46
ANNEXURE
1.Name:
2. Age ?
 15-25 years
 25-40 years
 40-50 years
 >50 years
3. Gender ?
 Male
 Female
4. Occupation?
 Student
 Professional source
5. How do you get information about financial services?
 Friends
 Family
 Advertisement
 News
 Other sources
6. Do you think that your bank sector all your banking needs?
 Yes
 No
7. For the past how many years are you using the bank’s services?
 5 years
 7 years
 10 years
 >More years
RCK Page 47
8. Which of the following facilities is given more importance in your bank ?
 Loan facility
 Overdraft facility
 ATM facility
9. When you think of your bank, what comes first in your mind?
 Customer service
 Wide branch network
 Computerised banking
 Online services
10. Do they charge unnecessarily for not maintaining minimum balance in your
account?
 Yes
 No
11. Do you have bank offers competitive interest rate?
 Yes
 No
12. Do you use the financial services of alternative bank?
 Yes
 No
13. What type of the services have you?
 Deposit
 Credits
 Fund transfer
 Cash management
 EBS
 Trade finance
 ACLEDA Card’s
14. Which service do you have frequently use?
 Deposit
 Credit
RCK Page 48
 Fund transfer
 Cash management
 ATM
 Trade finance
15. Service quality at branch level?
 Very satisfied
 Satisfied
 Natural
 Dissatisfied
16. How often do you typically use the services?
 Daily
 Once week
 Once month
 2-3 time a month
 Once for 6 month
17. What kind of account do you maintain in this bank ?
 Current a/ c
 Saving a/c
 Loan a/c
 Demat a/c
18. Dose your bank account any recreation financial services facilities for the charge?
 Yes
 No
19. Dose your bank have core banking services facilitiy for the customers ?
 Yes
 No
20. Dose your bank offers competitive Service charges ?
 Yes
 No
21. What do you fell about overall special finance service’s quality of your?
 Excellent
 Very good
RCK Page 49
 Good
 Average
22. Financial services to provide a Security?
 Yes
 No
23. How would you rate ease of access and the usefulness of our online Bank channel ?
 Excellent
 Good
 Average
 Poor
24. Are you satisfied with the number of financial services offered offered on our online
banking platform ?
 Yes
 No
RCK Page 50

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“A FIELD STUDY ON FINANCIAL SERVICES PROVIDE

BY UNION BANK KANAKAPURA”

BACHELOR OF BUSINESS ADMINISTRATION

DEPARTMENT OF COMMERCE AND ADMINISTRATION

(Affiliated to Bangalore University)

This is to certify that ANUSHREE has successfully completed the project

MRS.LAKSHMI DEVAMMA. M.COM, NET,

RURAL COLLEGE, KANAKAPURA 562117.

This is to certify that the report “A STUDY ON FINANCIAL SERVICES PROVIDE

BY UNION BANK ” is based on the study conducted by ANUSHREE under my

degree/diploma by any other University.

Place: Kanakapura Signature of the guide

guidance of MRS. LAKSHMIDEVAMMA and this is my original work. The empirical

I sincerely thank my guide Mrs.Lakshmidevamma Assistant professor for her constant

I would like to thank students and management for their support.

I finally thank the GOD and my parents for the blessing.

SL. NO CHAPTER PAGE NO

3. DATA ANALYSIS AND INTERPRETATION 19 - 44

FINDING SUGGESTIONS AND 19 - 46

SL. NO TABLE NANE PAGE NO

3.4 Table showing How do you information about 23

3.7 Table showing Which of the following facilities is 26

3.8 Table showing When you think of your bank, what 27

3.9 Table showing Do they charge unnecessarily for not 28

3.10 Table showing Do you have Bank offers competitive 29

3.11 Table showing Do you use the financial services of 30

3.13 Table showing Which service do you have frequently 32

Table showing service quality at branch level 33

3.15 Table showing How often do you typically use the 34

SL.NO TABLE NAME PAGE NO

3.17 Do your bank account any recreation financial services 36

3.19 Do your bank offers competitive service charges 38

3.20 What do you fell about overall special finance services 39

3.21 Financial services to provide a sequrity 40

3.23 Are you satisfied with the number of financial services 42

3.24 Over all your feel about financial services 43

SL. NO GRAPH NANE PAGE NO

3.1 Table showing age group of responded 20

3.2 Table showing Gender group of responded 21

3.3 Table showing. accusation of responded 22

3.4 Table showing How do you information about 23

3.7 Table showing Which of the following facilities is 26

3.8 Table showing When you think of your bank, what 27

3.9 Table showing Do they charge unnecessarily for not 28

3.10 Table showing Do you have Bank offers competitive 29

3.11 Table showing Do you use the financial services of 30

3.13 Table showing Which service do you have frequently 32

Table showing service quality at branch level 33

3.15 Table showing How often do you typically use the 34

SL. NO GRAPH NANE PAGE NO

3.17 Do your bank account any recreation financial services 36

3.19 Do your bank offers competitive service charges 38

3.20 What do you fell about overall special finance services 39

3.21 Financial services to provide a sequrity 40

3.23 Are you satisfied with the number of financial services 42

3.24 Over all your feel about financial services 43

FINANCIAL SPECIAL SERVICES PROVIDE BY UNION BANK

1.2 MEANING OF FINANCE

Financial means relating to or involving money. The company is in financial difficulties.

1.4 FEATURES OF FINANCE

System of internal Future decision

1.5 FUNCTIONS OF FINANCE

1.6 SCOPE Of FINANCE