Core Banking Solution-mohit Rana Final Project - Copy (1)

8/20/2019 Core Banking Solution-mohit Rana Final Project - Copy (1)

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SUMMER TRAINING PROJECT REPORT ON

A STUDY ON A CORE BANKING SOLUTIONS

“CENTRAL BANK OF INDIA”

SUBMITTED IN PARTIAL FULFILLMENT OF THE REQUIREMENT FOR

THE AWARD OF DEGREE OF

BACHELOR OF COMMERCE (HONS.)

2013-2016

SUBMITTED TO SUBMITTED BY

PROF. ARVIND SINHA MOHIT RANA

ADMISSION NO:- 13GSFC10103

B.COM !H"

SCHOOL OF FINANCE AND COMMERCE

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DECLARATION

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ACKNO4LEDGEMENT

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INTRODUCTION

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CONCLUSION

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INTRODUCTION

E>ECUTIVE SUMMARY

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I $#"&%! !$h !


18/64

% $%9&)')'* @$&'%5 !&22$#8. ;=00" 6%$% @$#,* ,'%$ CBS 2+&/#$9 @7 D%%9@%$-

;010

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CORE BANKING

SOLUTIONS

18 | P a g e


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19 | P a g e


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20 | P a g e


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21 | P a g e


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25 | P a g e


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35/64

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36/64

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;.= HISTORY OF CORE BANKING IN INDIA

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37 | P a g e


38/64

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38 | P a g e


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40/64

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I


41/64

CHAPTER-3

RESEARCH

METHODOLOGY

41 | P a g e


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RESEARCH METHODOLOGY

3.1 OBJECTIVE OF THE STUDY

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T# ,;% "h% B5 !%&8$% *% "# "h% CBI $!"#%&! I

T# %:% "h% &!5 '$"#&! 8#,8% C#&% B5 S#,"# CBI

T# #''%& '%4 !%!"# %!&%! "# &%* : /%%'"! ' C#&% B5

S#,"# "# "h% CBI $!"#%&!.

SCOPE OF THE STUDY

Th% *&%!%" !" '#$!% # C#&% B5 S#,"# #' CBI9 D%h& . I" $#8%&! "h% C#&%

B5

S#,"#@! !,%" '%"&%9 "! *$" # $!"#%&@! *&%!! C#&% B5 S#,"#

$&&%" *%&#. I D%h& CBI /&$h h! /#" =2 /%&! #' $!"#%&! '#& "h! !".

Th% !*,% ! "5% /#" =0 /%&!9 "h% &%!*#%" &% !%,%$" &#, # "h% /!! #'

"h%& $#% ,%8%, #" $#8%&! "h% #"h%& /5 !%&8$%! ,5% T%,% B59 M#/,%

/59 E-/5 %"$.

42 | P a g e


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HYPOTHESIS OF THE STUDY

Th% h*#"h%!%! #' "h% *&%!%" !" &% -

H01: C#&% B5 S#,"# h! # !'$$% ''%&%$% /%"4%% #"h%& /5 !%&8$%!

H&1: C#&% B5 S#,"# h! !'$$% ''%&%$% /%"4%% #"h%& /5 !%&8$%!.

H0;: C#&% B5 S#,"# h! # %''%$" # "h% CBI $!"#%&!.

H&;: C#&% B5 S#,"# h! !", %''%$"8% # "h% CBI $!"#%&!.

3.; METHODOLOGY OF THE STUDY

Th% *&%!%" !" ! $#,,%$"% ' /#"h *&& !%$#& !#&$%!. Th% *&& " !

$#,,%$"% / $#$" *&8"% !&8% D%h&. I" $#8%&! CBI /5 $!"#%&! D%h&.

Th% !"&$"&% %!"#&%! 4%&% !%" #" "# ,, "h% $!"#%&! /5%&@! SBI B5

/&$h9 D%h&. Th% &%!*#%" &% &#, !%,%$"% " /#" =0 /%&. Th%

!%$#& " &% $#,,%$"% ' "h% RBI &%*#&"!/,,%"9 /##5!9 +#&,!9 ;%!9

&"$,%!&%!%&$h **%&%4!**%&9 #,% !#&$%9 /5 4%/!"%!9 I B5!@

A!!#$"# (IBA)9 I I!"""% #' B5

F$% (IIBF)9 I!"""% '#& D%8%,#*%" R%!%&$h B5 T%$h#,# (IDRBT)

S&92+)'* D%5)*'

Th% *&%!%" !" '#$!% # C#&% B5 S#,"# C%"&, B5 /&$h D%h&. F#&

"h% !" "h% &%!*#%"! &% !%,%$"% &#,9 .%. 5)92+% $&'#9 5&92+)'* %'),%

4%&% !% "# $#,,%$" "h% " &%," #' C#&% B5 S#,"# "! *%&'#&$%!.

D" h! /%% &%*&%!%"% "h% '#& #' P)% C&$5.

DESCRIPTIVE RESEARCH - D%!$&*"8% &%!%&$h $,%! !&8%! '$"-'

%&%! #' ''%&%" 5!. Th% '%"&% #' "h! "*% #' &%!%&$h ! "h" "h% &%!%&$h%& h!

# $#", #8%& "h% 8&/,%!. H% $ #, &%*#&" 4h" h! h**%% #& 4h" ! h**%.

43 | P a g e


44/64

,%5)#''&)$% P+&': I h8% !% !"&$"&% %!"#&% '#& "h%& "h% &%&%

'#&"# "hh $#"$" &%!*#%" *%&!#,,.

T72%5 #/ ,%5)#'5:

) C,#!% %% %!"#!

) L5%&" S$,%

3.3 DATA COLLECTION METHOD

DATA COLLECTION

P$)9&$7 &&: Q%!"#&% 4! !% '#& $#,,%$" *&& ".

S%#'&$7 &&: ?&#! 4%/!"%!9 &"$,%! ' ;%! %4!**%&!9 /##5! 4%&% !%

'#& $#,,%$" !%$#& ".

ANALYSIS OF DATA

Th% $#,,%$"% " "h% !" h! /%% *&%!%"% ,;% ! "h% 8&#! "/,%!

&%*&%!%""#!.

LIMITATION OF STUDY

• Th% !" 4! &%!"&$"% "# /59 !# "h% $#*%""8% !$%&# $#, #" /% !"%.

• I%"% "% 4! "h% +#& $#!"&" & "h% 4h#,% *+%$".

• D% "# !%$&" $#$%&! #, &%-#, $$%!! "# "h% " 4! %$#&%.

• C#'%", " 4%&% #" ,,#4% "# $$%!!.

44 | P a g e


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CHAPTER

DATA

ANALYSIS

45 | P a g e


46/64

.1 S&)5)&+ T##+5 &' T%'),%5

Th% *&%!%" !" !% ''%&%" !""!"$, "##,! "%$h%! '#& "h% ,!!

"%&*&%""# #' ". Th% "%$h%! !% &% '&%%$ !"&/"#9 "/,%!9 $h&"!9 Ch

S&% T%!" !>;

" "# "%!" "h% !%" #' *&%*#!"#! "h% $&&%" !" "# $h%$5 "h% ,""% &%!,"

4"h "h% !""% h*#"h%"$, !""%%".

.; A'&+75)5 &' I'%$2$%&)#' #/ D&&

Th% !&8% h! /%% $#$"% "h% #*# #' "h% $!"#%&! &% #/"% $#,,%$"%.

Th% !*,% !;% ! =0 &%!*#%"! &% **$h%! D%h&. O "h%& &%!*#!%9 h%&% "h%

,!! h! /%% %. Th% " ,!! ! "%&*&%"% "h% '#& #' "/,% "h%& '"%& '%&%$%! %"#% /%,#4 "h% "/,%.

.3 TABLES

T&@+% 1. S#)# - E#'#9) R%52#'%' P$#/)+%

SL. N# P&$),+&$5 R%52#'%' %&)+5

N# #/ I'

R%52#'%' P%$%'&*%M,% 32 6D

01. G%'%$ F%,% 1G 36

TOTAL =0 100

16-20 02 0D

21-2= 1F 3D

02.

2=-3= 1F 3D

A*% 3=-= 0G 16

=-== 06 12

== /#8% 00 00TOTAL =0 100

03.

G&"% 2D D6

,&+)/)&)#' P#!" G&"% 2F =2

P'%!!#, 00 00

O"h%&! 00 00

TOTAL =0 100

B!%!! 10 20

0. E*,#%% */,$ !%$"#& 0= 10

46 | P a g e


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O,2&)#'

E*,#%% *&8"% !%$"#& 10 20

P'%!!#, 10 20

O"h%&! 1= 30

TOTAL =0 100

B%,#4 100000 03 06

100000-300000 06 12

0=. A'',&+ 300000-=00000 1D 2G

I'#9% =00000-1000000 1D 2G

1000000 /#8% 13 16

TOTAL =0 100

M&&% 1G 36

06.

U&&% 2C =G

M&$)&+ M&&% S,% 03 06

S&,5 D8#&$% 00 00W#4 00 00

TOTAL =0 100

S#,$%: S&8% D"

I'/%$%'%

Th% /#8% "/,% 8%! *',% #' "h% &%!*#%"!. Th% &%!*#%"! $ /% $"%#&;% /!% #

"h%& %9 %%&9 %$"#9 #$$*"#9 , $#%9 &", !""!9 ', "*%. I

"%&! #' %%& #" #' =0 &%!*#%"!9 6V #' '%,% "h% &%!" 36V ,%. A "%&! #'

% 3V &% #' 21-2= % * 2=- 30 &% ' "h% % * #' 3V. R%

/%,#! "# #"h%& $"%#&. A,!# hh *%&$%"% #' "h% &%!*#%"! &% /%,#! "# #"h%&

$"%#& %*,#% *&8"% !%$"#& $#*&"8%, !'$" *%&$%"% #' "h% h!

hh ,%8%, #' %$"# (*#!"-&"#&"#). A +#&" #' "h% h8% "h% ,

$#% #' 30000-=0000 =0000-100000 /#"h 2V. M+#&" #' "h% &%!*#%"! "h" ! =V

&% &&% &% &% &&% &&% !,%. A hh *%&$%"% #' "h% &%

/%,#! "# $,%& ', "*% =2V.

T&@+% ;. A6&$%'%55 #/ CBI C#$% B&'()'* S#+,)#' D%$&,' B$&'

A6&$%'%55 N,9@%$ #/ R%52#'%'5 P%$%'&*% !"

%! =0 100

N# 00 00

TOTAL =0 100

47 | P a g e

SL. N#

P&$),+&

$5R%52#'%'

%&)+5N# #/ I'

R%52#'%' P%$%'&*%

N$,%& 26 =2

0. F&9)+7 T72%


48/64

S#,$%: S&8% D"

100%

Yes No

F2.1

I'/%$%'%

Th% /#8% "/,% !h#4! "h" # "h% =0 &%!*#%"!9 ,, 100V #' &%!*#%"! &% 4&%

/#" "h% CBI $#&% /5 !#,"# I /5 !%$"#&. B%$!% #' "h% %''%$"8%

*,%%""# #' $#&% /5 !%&8$% CBI /&$h%! "hh#" "h% I.

T&@+% 3. S&)5/&)#' #/ CBI C#$% B&'()'* S#+,)#'

P&$),+&$5 N,9@%$ #/ R%52#'%'5 P%$%'&*% !"

S", A&%% 06 12

A&%% 2C =G

N%"h%& A&%% N#& D!&%% 10 20

D!&%% 0= 10

S", D!&%% 00 00

TOTAL =0 100

S#,$%: S&8% D"

48 | P a g e


49/64

12%

58%

20%

10%

Strongly Agree Agree

Neither Agree Nor Disagree Disagree

F3.1

I'/%$%'%

F "h% /#8% "/,% " ! 5#4 "h" # =0 &%!*#%"!9 "h% !"!'$"# "#4&! CBI

C#&% B5 S#,"# ! 12V #' &%!*#%"! &% #' h8 S", A&%%9 =V #'

&%!*#%"! &% #' h8 A&%%9 20V #' &%!*#%"! &% #' h8 N%"h%& A&%% N#&

D!&%% "h% &%!" #' "h% 10V #' &%!*#%"! &% #' h8 D!&%% /#" "h% CBI C#&%

B5 S#,"#.

T&@+% . B%'%/)5 CBI C#$% B&'()'* S#+,)#'

&"

B%'%/))&+ N,9@%$ #/ R%52#'%'5 P%$%'&*% !"

ES =0 100

NO 00 00

TOTAL =0 100

S#,$%: S&8% D"

I'/%$%'%

Th% /#8% "/,% !h#4! "h" # "h% =0 &%!*#%"!9 ,, 100V #' &%!*#%"! &% h**

4"h "h% $#&% /5 !#,"# #' CBI /5. B%$!% #' "h% 100V #' CBI $#&% /5

!#,"# *,%%""# ,, "h% /&$h%!.

@"

B%'%/))&+ N,9@%$ #/ R%52#'%'5 P%$%'&*% !"

A 4h%&% "% /5 1= 30T% S8 0C 1G

49 | P a g e


50/64

L#4 C#!" !%&8$%! 03 06

E! "&!$"# 06 12

M#&% C#8%%" 10 20

H%,* "# $*/,% #' !**#&"0= 10

M,"-C&&%$ #*%&"#

O"h%&! 02 0D

TOTAL =0 100

S#,$%: S&8% D"

30%

18%6%

12%

20%

10%4%

Any where any time baning !ime Sa"ing

#ow $ost ser"ies &asy transation

'ore $on"enient (el) to a)able o* s+))orting

'+lti,$+rreny o)eration -thers

F.

I'/%$%'%

F "h% /#8% "/,% " ! 5#4 "h" # =0 &%!*#%"!9 /%%'"! "#4&! CBI C#&%

B5 S#,"# ! 30V #' &%!*#%"! &% #' h8 " ! A 4h%&% "% /59 1V

#' &%!*#%"! &% #' h8 " ! T% S89 06V #' &%!*#%"! &% " ! L#4 C#!"

!%&8$%!9 12V #' &%!*#%"! &% CBS ! %! "&!$"#9 20V #' &%!*#%"! &% " ! M#&%

C#8%%"910V #' &%!*#%"! &% " ! H%,* "# $*/,% #' !**#&" M,"-C&&%$

#*%&"# "h% &%!" #' "h% 0V #' &%!*#%"! &% #' h8 #"h%&! /%%'"! ' C#&%

B5 S#,"#.

50 | P a g e


51/64

T&@+% =. E//%)%'%55 #/ CBS )' CBI

P&$),+&$5 N,9@%$ #/ R%52#'%'5 P%$%'&*% !"

S", %''%$"8% 10 20

E''%$"8% 2= =0 N%"h%& %''%$"8% N#& %''%$"8% 0F 1D

I%''%$"8% 0= 10

S", #" %''%$"8% 03 06

TOTAL =0 100

S#,$%: S&8% D"

20%

50%

14%

10%6%

Strongly e.eti"e &.eti"e

Neither e.eti"e Nor ine.eti"e /ne.eti"e

Strongly not e.eti"e

F=.1

I'/%$%'%

F "h% /#8% "/,% " ! 5#4 "h" # =0 &%!*#%"!9 "h% %''%$"8%%!! "#4&! CBI

C#&% B5 S#,"# ! 20V #' &%!*#%"! &% #' h8 !", %''%$"8%9 =0V #'

&%!*#%"! &% #' h8 %''%$"8%9 1V #' &%!*#%"! &% #' h8 N%"h%& %''%$"8% N#&

%''%$"8% "h% &%!" #' "h% 06V #' &%!*#%"! &% #' h8 S", #" %''%$"8% /#"

"h% CBI C#&% B5 S#,"#.

51 | P a g e


52/64

T&@+% . 4%%$ CBS )5 %//%)% #92&$% # #%$ @&'()'* 5%$)%5

P&$),+&$5 N,9@%$ #/ R%52#'%'5 P%$%'&*% !"

ES 33 66

NO 1F 3DTOTAL =0 100

S#,$%: S&8% D"

66%

34%

Y&S N-

F6.1I'/%$%'%

F "h% /#8% "/,% " ! 5#4 "h" # =0 &%!*#%"!9 ! "#4&! CBI C#&%

B5 S#,"# ! 66V #' &%!*#%"! &% CBS ! #&% %''%$"8% $#*&% "# "&"#,

/5 &%!" #' "h% 3V #' &%!*#%"! &% CBS ! ,%!! %''%$"8% $#*&% "# "&"#,

/5.

T%5)'* O/ H72#%5)5

1. H0;: C#&% B5 S#,"# h! # !'$$% ''%&%$% /%"4%% #"h%& /5

!%&8$%!. H&;: C#&% B5 S#,"# h! !'$$% ''%&%$% /%"4%% #"h%&

/5 !%&8$%!.

T&@+% . Wh%"h%& CBS ! %''%$"8% $#*&% "# #"h%& /5 !%&8$%!

P&$),+&$5 N,9@%$ #/ R%52#'%'5 P%$%'&*% !"

ES 33 66

NO 1F 3D

TOTAL =0 100

52 | P a g e


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S#,$%: S&8% D".

T&@+% ; Z !O/-E/" ;?E/

D%*$%% #/ /$%%#9 !/" !'-1"

4%$%

>; $h-!&% "%!"

OF [ O/!%&8% '&%%$

EF [ E:*%$"%

'&%%$ '[ N/%&

#' "%!

/ D%&%% #' '&%%#

I'/%$%'%

Th% "/,% 8,% #' 2 '#& "h% 1 %&%% #' '&%%# 1 " =V ,%8%, #' !'$$% ! 3.3. Th%

$,$,"% 8,% #' 2 ! =.12 4h$h ! $h hh%& "h "h% "/,% 8,% h%$% "h% &%!,"

#' "h% %:*%&%" #%! #" !**#&" h*#"h%!! (H 0). Th! 4% $ $#$,% "h" "h% ,,

h*#"h%!! ! &%+%$"%.

;. H01: C#&% B5 S#,"# h! # %''%$" # "h% CBI $!"#%&!.

H&1: C#&% B5 S#,"# h! !", %''%$"8% # "h% CBI $!"#%&!.

53 | P a g e


54/64

T&@+% . E''%$"8%%!! #' CBS CBI

P&$),+&$5 N,9@%$ #/ R%52#'%'5 P%$%'&*% !"

S", %''%$"8% 10 20

E''%$"8% 2= =0

N%"h%& %''%$"8% N#& %''%$"8% 0F 1D

I%''%$"8% 0= 10

S", #" %''%$"8% 03 06

TOTAL =0 100

S#,$%: S&8% D"

20%

50%

14%

10%6%

Strongly e.eti"e &.eti"e

Neither e.eti"e Nor ine.eti"e /ne.eti"e

Strongly not e.eti"e

F.1

T&@+% 10. !h#4 "h% 2 8,% #' "h% CBI C!"#%&!

S&+% O/ E/ !O/-E/"; !O/-E/"; ?E/

S", %''%$"8% 10 10 00 00.0

E''%$"8% 2= 10 1= 22.=

N%"h%& %''%$"8% N#& %''%$"8% 0 10 -03 00.C

I%''%$"8% 0= 10 -0= 02.=S", #" %''%$"8% 03 10 -0 0D.C

Z!O/ - E/"; 30.<

54 | P a g e


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?E/

D%*$%% #/ /$%%#9 [ N-1 .%. =-1[

I'/%$%'%

Th% "/,% 8,% #' 2 '#& "h% %&%% #' '&%%# " =V ,%8%, #' !'$$% ! .. Th%

$,$,"% 8,% #' 2! 30.2 4h$h ! $h hh%& "h "h% "/,% 8,% h%$% "h% &%!," #'

"h% %:*%&%" #%! #" !**#&" h*#"h%!! (H0). Th! 4% $ $#$,% "h" "h% ,,

h*#"h%!! ! &%+%$"%.

CHAPTER =

FINDINGS AND SUGGESTIONS55 | P a g e


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=.1 MAJOR FINDINGS OF STUDY

1) F "h% !&8% C#&% B5 S#,"# ! %''%$"8% # "h% CBI $!"#%&! ! =0V #'

&%!*#%"! '&%%, &%!*#% "# CBI "h" C#&% B5 S#,"# h! !'$$% !%&8$%

/% *% ! $#*&% "# #"h%& /5 !%&8$%!.

2) M#!" #' "h% *%#*,% "&!$" 4"h#" 8!" "h% B5. G&"%! *#!" &"%! h8%

$$#" "h! /&$h. M+#&" #' &%!*#%" &% "5 !8! $$#" +#&" #'

$!"#%&! %,! #$$!#,,9 ,, &%!*#%"! 5#4 "h% CBI *$"!%&8$%!.

3) A$$#& "# "h% &%!%&$h 100V #' "h% $#"$"/,% *#*,"# ! 4&% #' C#&% B5

S#,"#.

) =V #' "h% &%!*#%"! &% !"!'% 4"h "h% 4#&5 C#&% B5 S#,"# ! #*"#

*% / C%"&, B5 #' I.

=) I CBI9 CBS $#$%*" &%!*#%"! &% ',, /%%'$,9 ! 30V #' "h% &%!*#%"! "h5 "h"

56 | P a g e


57/64

" ! 4h%&% "% /59 "% !8 #&% $#8%%" "# "h% $!"#%&!.

6) 66V #' "h% &%!*#%"! /%,%8% "h" C#&% B5 S#,"# ! #&% %''%$"8% "h #"h%&

/5 !%&8$%! *% / "h% /5!.

) 100V #' "h% &%!*#%"! &% h** 4"h "h% /%%'"! *% "hh CBS /%$!% #' "!

*,%%""# ,, /&$h%! #' CBI.

57 | P a g e


58/64

=.; SUGGESTIONS

1. R&, C!"#%&! #' "h% /5 &% ,%!! 4&% #' "h% $#$%*" #' $#&% /5 !# %*,#%%! #'

"h% /5 &% !%!"% "# $#$" !#% 4&%%!! *& 4"h &%!*%$"% "# $#&% /5.

2. C!"#%&! !h#, /% %$"% 4"h &%!*%$" "# ,, "h% /%%'"! 8,/,% 4"h "h% $#&%

/5.

3. S#% !%!"#! 4%&% 8% "# "h% %*,#%%! #' "h% /5 "# %$"% $&%!% "h%

4&%%!! # $!"#%&!. Th% '#,,#4 &% "h% %",! -

A,, "h% %",! 4"h &%!*%$" "# $#&% /5 !h#, /% !*,% " "h% C#"%& h,, !# "h"

"h% $!"#%&! $#% "# 5#4 "h% *$%&% !"% O' 4!" "h%& "%.

C!"#%& %%" !h#, /% h%, "h% /&$h "# "$% "h% *$" "! ",;"# '#&

$!"#%&! ! !! *&$"$, $*.

D%",% !$h%% /$h%&! !h#, /% h%, " /&$h $#"%&! 4h$h h%,*! "h% $!"#%&! "#

&% ,%!&%,.

. Th% "h *%&$%"% 4#, '&"h%& /% $&%!% ' "h% /5%&! &% 8% %''%$"8%

$#*,%"% "& # $#&% /5 ,!# / %$" $&%! "h% 4&%%!! ,%8%,

#' $#&% /5 !#,"# "# "h% $!"#%&! #' "h% /5.

58 | P a g e


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CHAPTER

CONCLUSION

.1 C#'+,5)#'

59 | P a g e


60/64

Th% *,%%""# #' "h% T" C#!,"$ S%&8$%! (TCS) BNC! !!"% " "h% C%"&,

B5 #' I (CBI) &%*&%!%"! "h% ,&%!" $#&% !!"%! *+%$" %8%& %&"5%. Th% !$$%!!

#' "h! *+%$" !h#, %$#&% #"h%& ,&% /5! "# /% *+%$"! "# #%&;% "h%& $#&%

!!"%!. Th% !% #' UNI-/!% *,"'#& "# *$%!! #&% "h 100 ,,# $$#"! ,

%#!"&"%! "h" "%& 1 /5! $ !% '&% ,"%&"8% '#& "h%& $#&% *$%!!.

A,"h#h T#4%& G* %:*%$"! "h" "h% +#&" #' "h%!% /5! 4,, $#"% "# &%, # "h%

IBM '&% '#& $#&% *$%!!9 "h% $ ',, $#!%& "h% /%%'"! #' ",; UNI-

/!% *,"'#&. CBI! $h%8%%" %#!"&"%! "h" ""%"# "# $&"$, '$"#&! ! $&$,

*,%%" %4 $#&% !!"%!. Th% /5! !%#& %%" $#"%"9 /!%!! ,%

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Core Banking Solution-mohit Rana Final Project - Copy (1)

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