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 INTRODUCTION TO BANKING SYSTEM IN INDIA

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VNot long ago, an account holder had to wait for hours at the bank
counters for getting a draft or for withdrawing his own money.
Today, he has a choice. Gone are days when the most efficient
bank transferred money from one branch to other in two days.
VThe first bank in India, though conservative, was established in
1786.
 CONTINUE FROM ABOVE«

VBanking Industry has revolutionized the transaction and

financial services system worldwide. Through the development in
technology banking services has been availed to the customers at
all times, even after the normal banking hours, on a 24*7 basis.
VBanking industry services is nothing but the access of most of
the banking related services (such as verification of account
details, going with the transactions, etc.).
 „RIMARY O„ERATION OF BANKS

V Keeping money safe while also allowing withdrawing when

needed.
VIssuance of cheque books so that bills can be paid and other
kinds of payments can be delivered by post.
V„rovide personal loans, commercial loans, and mortgage loans
(typically loans to purchase a home, property or business).
VIssuance of credit cards and processing of credit card
transactions and billing.
 CONTINUE FROM ABOVE«

VIssuance of debit cards for use as a substitute for checks.

VAllow financial transactions at branches or by using Automatic
Teller Machines (ATMs).
V„rovide wire transfers of funds and Electronic fund transfers
between banks.
VFacilitation of standing orders and direct debits, so payments for
bills can be made automatically.
 )5 ?6
1. „roper understanding and analysis of banking industry.

2. To know about brand awareness among the customer and

customer preferences about kotak Mahindra bank.

3. Conduct market survey on a sample selected from the customer

and derive opinion on that research.

4. To know other similar product offered by its competitor such

as sbi, pnb, idbi, icici and Indus Ind, etc.

 CONTINUE FROM ABOVE«.

5. This project also helped to understand the willingness of the

people to have relation (through saving account) with the bank
which would help Kotak bank to increase its market share.
6. To know which product and services of kotak Mahindra bank
has a competitive demand over its competitors.
7. The objective of this study is to learn professional environment
under which employee work with efficiency and effectively.
 RESEARCH METHODOLOGY
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1. gaining knowledge about product
2. steps in the development of survey instrument are ;
' Customer Survey
.Referred to brochures and websites of competitors:
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A two stage Research was conducted:
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Data was collected from websites and catalogues to understand
the product and the charges of the different banks.
 CONTINUE FROM ABOVE«

v' " $& A „rimary Research was conducted. The

questionnaire was prepared for the companies and following

areas covered:

mCompeting Banks

mFeatures offered by different banks

mConsumer profile

mҏReason for the selection of specific Bank

mDesirable features of the product.

 %?71% ,/ 7
mKotak Mahindra is one of India's leading financial institutions,
offering complete financial solutions that encompass every
sphere of life.
mFrom commercial banking, to stock broking, to mutual funds,
to life insurance, to investment banking, the group caters to the
financial needs of individuals and corporate.
mThe group has a net worth of over Rs. 7,500 crore, employs
around 8,800 people in its various businesses and has a
distribution network of branches, franchisees, representative
 CONTINUE FROM ABOVE«

offices and satellite offices across 282 cities and towns in India
and offices in New York, London, Dubai and Mauritius.
mThe Kotak Mahindra Group was born in 1985 as Kotak Capital
Management Finance Limited. This company was promoted by
Uday Kotak, Sidney A. A. „into and Kotak & Company
mThe Kotak Mahindra Group¶s flagship company, Kotak
Mahindra Finance Ltd which was established in 1985, was
converted into a bank ± Kotak Mahindra Bank Ltd in March 2003
becoming the first Indian company to convert into a Bank.
 BANKS IN INDIA

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mBanking System in India is dominated by nationalized banks.
The nationalization of banks in India took place in 1969 by Mrs.
Indira Gandhi the then prime minister.
mThe major objective behind nationalization was to spread
banking infrastructure in rural areas and make available cheap
finance to Indian farmers. Fourteen banks were nationalized in
1969
mThere are 27 nationalize banks now in india
 CONTINUE FROM ABOVE«

 
 
mAll the banks in India were earlier private banks. They were
founded in the pre independence era to cater to the banking needs
of the people
m„rivate sector banking in India received a fillip in 1994 when
Reserve Bank of India encouraged setting up of private banks as
part of its policy of liberalization of the Indian Banking Industry.
m„rivate Banks have played a major role in the development of
Indian banking industry.
 „RODUCT OFFERED BY KOTAK MAHINDRA
BANK LIMITED

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The main competitor of KMBL has been chosen by researcher

are:
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 „ARAMETER TAKEN FOR COM„ARISION AND
ANALYSIS
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1. Banks having number of customers.
 CONTINUE FROM ABOVE«

2.Number of respondent divided on the basis of occupation.

 CONTINUE FROM ABOVE«

3.Types of account which people prefer most.

 CONTINUE FROM ABOVE«

4.Factor which influence to invest in particular banks.

 CONTINUE FROM ABOVE«

5.Facilities influencing for choosing a bank.

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 FINDINGS

mIt is found that every bank have different AQB which motivate

customer to choose bank for deposits and transactions.

mNumber of branches and atm¶s machines also influence people

for choosing a particular bank.

mKotak Mahindra bank is a late comer in banking sector but it is

developing itself in both geographical level as well as providing

services.

mNow people are transforming from traditional to practical way.

 CONTINUE FROM ABOVE«

mCustomers are satisfied with the service of banking they get in

terms of AQB charged and services promised.
mIn kotak Mahindra bank people generally prefer investment
banking rather than personal banking.
 CONCLUSION
mThe study concludes that customers are very much satisfied
with the banking services provided by Kotak Mahindra Bank.
mThough there are competitions in the market yet kotak
Mahindra is working hard to grab the market share.
mIts prompt services and return influencing people to divert from
traditional concept such as from nationalize bank to private bank.
mServices provided by this bank are more personalized so the
customers of this bank are satisfied and convenient in terms of
services they get.
 ) ,

mwww.google.com
mwww.kotak.com
mBank¶s brochure
mBusiness today
mIndian banking scenario- N.K.Uppal
Y