Acknowledgement

The work of my thesis would not have been possible without blessings

and cooperation of many people. I take this opportunity to extend my

sincere gratitude and appreciation to all those who made this Ph.D. thesis

possible.

Firstly I would like to thank God for giving me strength and positive

energy. Then I would like to extend my sincere gratitude towards my

research guide Hon’ble Dr. Chandan K. Bora, Associate Professor and

Research Guide, PG Department of Commerce, Gondwana University,

Gadchiroli for his dedicated help, advice, inspiration, encouragement and

continuous support throughout my Ph.D. during my research work, I have

learnt extensively from him and his continuous support helped me to

motivate myself. He is always being so enthusiastic to solve the problems

during my research. His knowledge and suggestions help me a lot for

enhancing my knowledge.

My special thanks to all SBI Life Insurance & SBI Bank

Employees for their immense support during my research work. Special
thanks to my father Prof. Kishanprasad H. Darak who have been
supporting and guiding me all the times.

Special thanks to Mr. Bharat K. Darak, Senior Branch Manager,

SBI Life Insurance Co. Ltd. for supporting me to continue my studies. I
iii
am also thankful to all those customers of State Bank of India who gave
the valuable response to questionnaire and helped me to complete the
research work successfully. This is not possible to me to complete the
research particularly the analysis of problems in bancassurance without
the kind support and cooperation of bank employees and the customers of
bancassurance.

Lastly, I would like to thanks all those who are directly or

indirectly helped me in my research work.

Ramnarayan Kishanprasad Darak

Research Student

iv