kiran fa.docx

Table of Contents

Acknowledgement

Executive Summary

Chapter 1: Introduction

1.1 Industry Profile1.2 Company Overview

Chapter 2: Competitors

Chapter 3: Research Methodology

3.1 Need & objective of the study

3.2 Research design

Chapter 4: Data Analysis

Chapter 5: Findings

Chapter 6: Limitations of the project

Chapter 7: Conclusion and Recommendations

Appendix

References

Chapter – I

Introduction

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INTRODUCTION

Banking is the backbone of the modern industry. Health of the banking industry is one of the

most important pre-condition for sustained economic growth of any country. The world of

banking has assumed the new dimension at the dawn of 20th century with the advent of tech

banking, thereby lending the industry a stamp of fun avarsality. In general banking may be

classified as retail banking and corporate bankig.Retail banking, which is designed to meet the

requirement of individual customers and increase their savings, includes payment of futility bills,

consumer loans, credit cards, checking bank account balance ,ATM’s,transferring funds between

accounts and the like.Corporate banking caters the needs of corporate customers like bill

discounting, opening letter of credit and managing cash.

Many individuals find investments to be fascinating because they can participate in the decision

making process and see the results of their choices. Not all investments will be profitable, as

investor wills not always make the correct investment decisions over the period of years;

however, you should earn a positive return on a diversified portfolio. In addition, there is a thrill

from the major success, along with the agony associated with the stock that dramatically rose

after you sold or did not buy. Both the big fish you catch and the fish that get away can make

wonderful stories.

Investing is not a game but a serious subject that can have a major impact on investor's future

well being. Virtually everyone makes investments. Even if the individual does not select specific

assets such as stock, investments are still made through participation in pension plan, and

employee saving program or through purchase of life insurance or a home. Each of this

investment has common characteristics such as potential return and the risk you must bear. The

future is uncertain, and you must determine how much risk you are willing to bear since higher

return is associated with accepting more risk.

In my study I have done the analysis on the saving and salary accounts of Axis Bank with its

main competitors HDFC and ICICI bank. The study focuses on the main points which makes an

individual driven to a bank and open their accounts.

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1.1Industry profile

OVERVIEW OF THE BANKING INDUSTRY:

Banking in India originated in the last decades of the 18th century. The oldest bank in existencein India is the State Bank of India, a government-owned bank that traces its origins back to June1806 and that is the largest commercial bank in the country. Central banking is the responsibility of the Reserve Bank of India, which in 1935 formally took over these responsibilities from the then Imperial Bank of India, relegating it to commercial banking functions.

Early history:

Banking in India originated in the last decades of the 18th century. The first banks were The General Bank of India, which started in 1786, and the Bank of Hindustan, both of which are now defunct. The oldest bank in existence in India is the State Bank of India, which originated in the Bank of Calcutta in June 1806, which almost immediately became the Bank of Bengal. This was one of the three presidency banks, the other two being the Bank of Bombay and the Bank of Madras, all three of which were established under charters from the British East India Company.

For many years the Presidency banks acted as quasi-central banks, as did their successors. The three banks merged in 1925 to form the Imperial Bank of India, which, upon India's independence, became the State Bank of India. Indian merchants in Calcutta established the Union Bank in 1839, but it failed in 1848 as a consequence of the economic crisis of 1848-49. The Allahabad Bank, established in 1865 and still functioning today, is the oldest Joint Stock bank in India. When the American Civil War stopped the supply of cotton to Lancashire from the Confederate States, promoters opened banks to finance trading in Indian cotton. With large exposure to speculative ventures, most of the banks opened in India during that period failed. The depositors lost money and lost interest in keeping deposits with banks. Subsequently, banking in India remained the exclusive domain of Europeans for next several decades until the beginning of the 20th century.Around the turn of the 20th Century, the Indian economy was passing through a relative period of stability. Around five decades had elapsed since the Indian Mutiny, and the social, industrial and other infrastructure had improved. Indians had established small banks, most of which served particular ethnic and religious communities

In the early 1990s, the then Narsimha Rao government embarked on a policy of liberalization, licensing a small number of private banks. These came to be known as New Generation techsavvy banks, and included Global Trust Bank (the first of such new generation banks to be set up), which later amalgamated with Oriental Bank of Commerce, UTI Bank(now re-named as Axis Bank), ICICI Bank and HDFC Bank. This move, along with the rapid growth in the economy of India, revitalized the banking sector in India, which has seen rapid growth with

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strong contribution from all the three sectors of banks, namely, government banks, private banks and foreign banks.

The next stage for the Indian banking has been setup with the proposed relaxation in the norms for Foreign Direct Investment, where all Foreign Investors in banks may be given voting rights which could exceed the present cap of 10%,at present it has gone up to 49% with some restrictions. The new policy shook the Banking sector in India completely. Bankers, till this time, were used to the 4-6-4 method (Borrow at 4%;Lend at 6%;Go home at 4) of functioning. The new wave ushered in a modern outlook and tech-savy methods of working for traditional banks.All this led to the retail boom in India. People not just demanded more from their banks but also received more.

1.2 COMPANY PROFILE

AXIS BANK LTD.

Axis Bank was the first of the new private banks to have begun operations in 1994, after the

Government of India allowed new private banks to be established. The Bank was promoted

jointly by the Administrator of the specified undertaking of the Unit Trust of India (UTI - I), Life

Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC) and

other four PSU insurance companies, i.e. National Insurance Company Ltd., The New India

Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance

Company Ltd.

The Bank's Registered Office is at Ahmedabad and its Central Office is located at Mumbai.

Presently, the Bank has a very wide network of more than 701 branch offices and Extension

Counters. The Bank has a network of over 2854 ATMs providing 24 hrs a day banking

convenience to its customers. This is one of the largest ATM networks in the country.

The Bank has strengths in both retail and corporate banking and is committed to adopting the

best industry practices internationally in order to achieve excellence.

Axis refers to a line of reference, stability and maturity. The new logo of the bank has the same

color as the previous UTI logo but now uses the alphabet ‘A’ from the word Axis. The bank is

also publicizing the change through campaign titled “Twins both equal”.

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Now with a name having universal appeal, the bank is working towards becoming a

multinational bank and diversifying into other financial services like AMC, insurance and

restructures operations to reflect a modern approach to banking.

PROMOTERS:-

Axis Bank Ltd. has been promoted by the largest and the best Financial Institution of the country,

UTI. The Bank was set up with a capital of Rs. 115 crore, with UTI contributing Rs. 100 crore,

LIC - Rs. 7.5 crore and GIC and its four subsidiaries contributing Rs. 1.5 crore each.

SUUTI Shareholding-27.11%

Erstwhile Unit Trust of India was set up as a body corporate under the UTI Act, 1963, with a

view to encourage savings and investment. In December 2002, the UTI Act, 1963 was repealed

with the passage of Unit Trust of India (Transfer of Undertaking and Repeal) Act, 2002 by the

Parliament, paving the way for the bifurcation of UTI into 2 entities, UTI-I and UTI-II with

effect from 1st February 2003. In accordance with the Act, the Undertaking specified as UTI I

has been transferred and vested in the Administrator of the Specified Undertaking of the Unit

Trust of India (SUUTI), who manages assured return schemes along with 6.75% US-64 Bonds,

6.60% ARS Bonds with a Unit Capital of over Rs. 14167.59 crores..

Board of DirectorsThe members of the Board are :

Dr. Adarsh Kishore Non-Executive Chairman

Smt. Shikha Sharma Managing Director & CEO

Shri M. M. Agrawal Deputy Managing Director

Shri J.R. Verma Director

Dr. R.H. Patil Director

Smt. Rama Bijapurkar Director

Shri R.B.L. Vaish Director

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Shri M.V. Subbiah Director

Shri K. N. Prithviraj Director

Shri V. R. Kaundinya Director

Shri S. B. Mathur Director

Shri M. S. SundaraRajan

Director

VISION AND MISSION

Mission

Customer Service and Product Innovation tuned to diverse needs of individual and corporate clientele.

Continuous technology up gradation while maintaining human values.

Progressive globalization and achieving international standards.

Efficiency and effectiveness built on ethical practices.

Core Values

Customer Satisfaction through-

Providing quality service effectively and efficiently.

"Smile, it enhances your face value" is a service quality stressed on.

Periodic Customer Service Audits.

Maximization of Stakeholder value.

Success through Teamwork, Integrity and People

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ORGANISATION STRUCTURE OF AXIS BANK

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SERVICES PROVIDED TO THE CUSTOMER AT AXIS

Accounts

Easy Access Savings Account

Prime Savings account

Salary Savings Account

Power salute: A salute to the defence forces

Azaadi

Senior Privilege Savings Account

For the woman of today – Smart Privilege Savings Account

A complete banking solution for Trusts, Associations, Societies,

Government Bodies, Section 25 companies and NGOs

Pension Savings Bank Account

Deposits

Fixed Deposits

Recurring Deposits

Encash24

Tax Saver Fixed Deposits

Capital Markets

Debt Solutions

Equity Solutions

Private Equity, Mergers & Acquisitions

Advisory Services

Trusteeship Services

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Depository Services

Capital Market Funding

e-Broking

Credit

Working Capital Finance

Term Loans

Trade Services and Trade Finance

Structured Finance

Supply Chain Management

Overseas Financing and Transactions

SME Standard Products

Power Track

CUSTOMER CARE SERVICE

Axis Bank customer care service has enabled the bank to reach out to their customers and help

them with any information they might need. The Axis Bank customer support centres spread

across the country operate 24 x 7 customer care services that are dedicated to provide most

accurate and prompt information regarding the banking products, services and the respective

policies. As the banking field is getting more and more commercialize, there's a bombardment of

highly innovative banking products to lure as many customers as possible. This creates confusion

among the customers about the terms and conditions that the new banking schemes are subject

to.

Axis Bank customer care centres aim to carry forward the transparency Axis Bank has

maintained with its customers regarding the terms and conditions on any new banking product

and scheme.

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http://www.indiahousing.com/banks-in-india/axis-uti-bank.html

FINANCIAL ADVISORY SERVICES

Axis bank has employed a highly proficient financial advisory team comprising of experienced

and competent relationship managers. The Axis Bank relationship manager advises the customer

on the available investment opportunities like mutual funds, deposits, IPO’s etc. that will suit his

investment requirements. They aim to help the customers achieve their investment goals

efficiently and without any hassles. A research team of experts from financial industry is

responsible for establishing out investment strategy and providing real time information to

support it.

Mutual Funds

Axis Bank Financial Advisory team adopts a strong research driven recommendation model to

help the customer choose the best funds based on qualitative and quantitative parameters. They

also offer a unique 'One Page Portfolio Snapshot' report across investment products customers

investing in Mutual Funds

Mohur Gold Coins/Bars

Axis Bank brings to you Mohur Gold coins/bars in the purest form! Made in Switzerland,Mohur

Gold coins/bars carry the Assay certification of being 24 carat, 99.99% pure! It comes to you in a

specialized packaging that is tamper proof so that its purity is preserved.

SAVING ACOUNTS OF AXIS BANK

1 Zero Balance Saving Account

Features

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No Average Quarterly Balance requirement Free International Debit Card with an Accidental Insurance cover up to Rs 2 lakhs* Free mobile banking facility Access through more than 1000 branches and over 4055 ATMs (as on 31st March 2010) At-Par cheque facility with the clearing limit of Rs 50,000 24x7 Telebanking & Internet banking Free quarterly statements Free monthly e-state ment .

2.Krishi Savings Account

Features:-

Average Balance Requirement

This account is offered with the requirement of maintaining the half-yearly average balance

of Rs 1000 only.

International Master Debit Card The Krishi Savings Account entitles you to an International Master Debit Card with which you can

Access your account anytime through the Axis Bank ATM network free of cost.

This card comes with:

A cash withdrawal limit of Rs 25,000 per day

Free Accident Insurance cover of Rs 2 lacs

3.Senior Privilege Account

Axis Bank's Senior Citizen Savings Account has been designed keeping in mind the fact that a senior citizen's banking requirements are wholly different and require special consideration.

4.Pension Savings Account Pension Savings Bank Account, from Axis Bank is specifically, designed for Pensioner's

(Existing & Prospective) of Central Govt. Civil Ministries/ Departments &Defence Ministry keeping in mind the Facts that a Pensioner’s banking requirements are wholly different and require special consideration.

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http://www.axisbank.com/personal/otherservices/eStatement/eStatement.asp

Benefits

Timely communication to the customer on receipt of the PPO

No delays in commencement of pension disbursals - The Bank is handling the disbursement of Pension under a Centralised Pension Disbursement Module wherein the Pensioner records are credited centrally through its Centralised Pension Payment Hub (CCPH) at Mumbai.

Timely issue of Form- 16A for tax deducted at source in the immediately previous financial year.

5.Zero Balance Minor Account

Round-the-Clock access through ATMs: There could be an instance when at 3 am you could

require cash

. With our round-the-clock access you can withdraw cash up to Rs. 40,000 per day, deposit

cash/cheques, transfer funds, print a mini statement and pay insurance premiums (LIC), all

through our ATM channel

This is one of the largest ATM networks in the country.

SALARY ACCOUNTS OF AXIS BANK

Corporate Salary Account

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.

Benefit to Employers

Efficient salary disbursal.

Web Upload - Transfer salaries/reimbursements directly from your current account with Axis Bank to your employee's accounts using I Connect from your office.

Single-instruction salary credit - Same day salary credits for all companies having Corporate Account with Axis Bank.

Dedicated Relationship Manager at metro locations to understand the financial requirements of your employees.

Benefit to Employees No minimum balance criteria.

Unparalleled Access - Anywhere banking facility through our network of Branches, Atm and Internet banking facility.

AT Par cheque books payable locally at all Axis Bank locations. International Debit cum ATM cards with enhanced Cash withdrawal facility and other value add

ons.Online Banking with funds transfer, online shopping and bill payment options.

Depository services with free online trading accounts.

Meal Cards on a master card platform.

Employee Reimbursement accounts as a savings account variant.

Preferential pricing on loan products and credit cards and other banking products & services*.

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COMPETITORS

HDFC BANK

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Chapter – II

Competitors

The Housing Development Finance Corporation Limited (HDFC) was amongst the first to

receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the

private sector, as part of the RBI's liberalization of the Indian Banking Industry in 1994. The

bank was incorporated in August 1994 in the name of 'HDFC Bank Limited', with its registered

office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank

in January 1995.

ICICI BANK

ICICI Bank is India's second-largest bank with total assets of Rs. 3,634.00 billion (US$ 81

billion) at March 31, 2010 and profit after tax Rs. 40.25 billion (US$ 896 million) for the year

ended March 31, 2010. The Bank has a network of 2,016 branches and about 5,219 ATMs in

India and presence in 18 countries. ICICI Bank offers a wide range of banking products and

financial services to corporate and retail customers through a variety of delivery channels and

through its specialized subsidiaries in the areas of investment banking, life and non-life

insurance, venture capital and asset management. The Bank currently has subsidiaries in the

United Kingdom, Russia and Canada, branches in United States, Singapore, Bahrain, Hong

Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices in

United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. Our

UK subsidiary has established branches in Belgium and Germany.

OTHER COMPETITORS ARE………..

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COMPARISON OF SALARY PRODUCTS

Features AXIS BANK HDFC ICICI BANK

Minimum average salary

10000 10000 12000Minimum no. of employees

10 10 25Reimbursement of account

YES YES YES

Term deposit Sweep

YES Yes, but only sweep in

Yes, but not automated

Investment Account

Available to all Customers

NA NA

Investment Advisory Services

Available to all Only to selected customers

Only to selected customers

Account Statement

Monthly Free Quarterly Free Quarterly free

Free online bill payment

YES YES YES

Salary alerts on mobile

YES YES YES

NET Card YES NA NA

Account opening& welcome kits

Instant In a week’s time Instant

Online Investment

Depository service with free online trading accounts

NA NA

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Chapter – III

Research Methodology

3.1NEED AND OBJECTIVE

Project at a glance-

‘COMPARATIVE ANALYSIS OF SAVING AND SALARY

PRODUCTS OF AXIS BANK WITH ITS COMPETITORS’

The main of the present study is accomplish the following objectives-

Proper understanding and analysis of banking industry.

To know about the brand awareness of Axis Bank and customers preferences about Axis

Bank.

Conduct a market survey on a sample selected from the customer and derived opinion on

that research.

Along with it I will be gaining the experience of banking industry. This will help me to

market the products given to me.

As the Axis Bank is one of the leading private sector banks in India, It will be a great

chance for me to gain a deep insight of the products launched by Axis and its competitors

like HDFC and ICICI bank.

The research gives me a great chance to communicate the customers directly as they are

the main focus of this study. This will help me to know what a customer want and how

they think while opening an account with banks.

This will also help me to know what people think about the private sector banks in India.

This research will also help in finding that that the customers are happy with the services

provided by the bank and with the features of their saving and savings account.

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RESEARCH METHODOLOGY

The research applied in the project is descriptive research as the major objective of the research

is to describe the investment preferences of salaried and self-employed retail investors. The study

aims at comparing the investment patterns of the two.

DESCRIPTIVE RESEARCH

The major objective of descriptive research is to describe something ---- usually market

Characteristics or functions .Descriptive research is conducted for the following reasons:

1. To describe the characteristics of relevant groups, such as consumer, salespeople

organizations, or market areas.

2. To estimate the percentage of units in a specified population exhibiting a certain behavior

3. To determine the perception of products characteristics.

4. To determine the degree to which marketing variables are associated.

5. To make specific predictions.

Descriptive research is preplanned and structured. It is typically based on large representative

samples. A formal research design specifies the method for selecting the sources of information

and for collecting data from those sources.

DATA COLLECTION

The data collected for the research includes both primary and secondary data. As the

research is descriptive and involves the study of investment patterns of retail investors, most

of the data used is primary. Secondary data has been used to support the study at some

places.

METHODS OF DATA COLLECTION :

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The task of data collection begins after a research problem has been defined and research

plan chalked out. While deciding about the method of data collection to be used for the

study the researcher should keep in mind two types of data via: primary and secondary. The

primary data are those which are collected afresh and for first time, and thus happen to be

original in character, the secondary data , on the other hand , are those which have already

been passed through statistical procedure.

COLLECTION OF PRIMARY DATA

We collect primary data during the course of doing experiments in an experimental

research but in case we do research of the descriptive type and perform surveys ,

whether sample surveys or census surveys , then we can obtain primary data either

through observation or direct communication with the respondents in one form or

another or through personal interviews . in other words there are several methods of

collecting primary data, particularly in surveys and descriptive researches . Important

ones are

Observation method

Interview method

Questionnaires

In this project the source of primary data collection are structured questionnaire supported

by interviews. This has further helped me in the study while giving recommendations and

establishing the co-relations in the project.

COLLECTION OF SECONDARY DATA

Secondary data means that are already available i.e .They refer to the data which gave

already been collected and analyzed by someone else. The collection of secondary data has

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been done by various publications, books, magazines, journals, newspaper and internet. By

way of caution, the researcher, before using data, must see that they possess following

characteristics

Reliability of data

Suitability of data

Adequacy of data

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Chapter –IV

Data Interpretation and analysis

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DATA ANALYSIS

1. This analysis displays the division of sample according to the occupation. A

total of 100 people were surveyed.

Table1.

Categories Frequency PercentValid

PercentSALARIED 44 44.0 44.0BUSINESS 24 24.0 24.0PROFESSIONAL 32 32.0 32.0Total 100 100.0 100.0

In the convenience sample I find that out of 100, 44% were

salaried class,22% were business class and 32% were

professionals.

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2.How the customers find salary and savings account provided by Axis

Bank?

customers

very goodgoodsatisfactoryexellentpoor

Analysis show that customers find salary and saving account of axis bank

are good.

3.Do customers have any other product of AXIS BANK other than savings and

salary account? (Like term deposit, mutual funds, insurance, home loan, car loan

etc.)

THIRD PARTY PRODUCT

YESNO

Analysis show that most of the customers have other products of

Axis bank other than saving and salary account.

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4.Are the customers satisfied with their savings and salary account?

NO. OF PEOPLE

YESNO

Analysis show that most of the customers are satisfied with their salary and saving account in Axis bank.

5.Which bank is better in providing services regarding transactions?

BANKS

AXIS BANKHDFC BANKICICI BANK

Analysis show that Axis Bank is better in providing services regarding transactions

6.Which is better bank in ease of access (both branch & ATM)?

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BANKS

AXIS HDFCICICI

Analysis show that Axis Bank is better in ease of access. In case of branch HDFC is better in ease of access.

7.Which bank’s accounts provide greater flexibility?

BANKS

AXIS

HDFC

ICICI

Analysis show that HDFC and ICICI Bank’s provide better Flexibility.

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8.Are you satisfied with the relationship manager’s service provided by Axis Bank?

Relationship Manager service

YES

NO

Analysis show that most of the persons are satisfied with relationship manager service.

9.Which channel you use to access your account?

HOW YOU ACCESS YOR ACCOUNT

DIRECT BRANCHMOBILE BANK-INGNET BANKING

Analysis show that most of customers use phone banking and very few customer use mobile banking.still some customers use direct brach service.

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10.Which are the areas of improvement?

AREAS OF IMPROVEMENT

UPDATES

SERVICE

TECHNOLOGY

RM

PRODUCTS

Analysis show that major areas of improvement are updates and services.

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Chapter-V

Findings

FINDINGS

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The bank has good relation with its customers. The customers are very satisfied with the

relationship manager service provided by Axis Bank.

The bank and its customers have a long term relationship. Axis Bank has the tendency to

retain its customers at any cost. They believe that the old customer is more profitable in

stead of a new one that’s why they try to maintain good and long term relations to their

customers.

Less no. of customer use mobile banking or net banking.

The accounts of axis bank (both salary & saving) provide great flexibility in terms of

offering.

The accounts of these three banks don’t have much difference in terms of features but

when it comes to service providing the Axis Bank gets an edge because of their great

customer services.

The axis bank has good no. of branches and ATM’s that’s why it has more ease of access.

The customers of Axis Bank are satisfied with their savings and salary accounts.

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Chapter-VI

Limitations of Study

Limitations of Study:-

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Convenient sample is the main limitation of study.

Sample was very small.it represents whole the customers of bank.

Geographical area was the another limitation if the study.

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Chapter-VII

Conclusion and Recommendations

CONCLUSION AND RECOMMENDATIONS

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The study mainly was on the customer orientation that how they think, what they want

from their banks and how they take decision going to any bank.

In this study I found that the bond of Axis Bank with its customers is very strong,

because Axis Bank mainly focuses on retaining their customers.

This study finds that however Axis Bank is not the leading private sector bank but its vast

range of products and availability of options make it one of the better banks in India.

The bank should focus on the semi urban and rural market because these markets are very

good opportunity for someone like Axis Bank which is in growing face. Without

expanding in these markets Axis Bank can not be a leading bank so they should focus on

this market.

The bank should focus on mass banking in order to increase their market share. They

should launch such products which would be within the reach of the lower middle class.

The bank should pay more attention on giving updates and should increase the level of

service providing because the competitors of axis are better in this area.

The bank should try to increase the use of technology like mobile and net banking among

its customers.

APPENDIX

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QUESTIONNAIRE

(Dear Sir/Madam, I am an MBA student doing a survey on study of salary and saving account of Axis Bank,HDFC Bank and ICICI Bank as a part of my course curriculum, as an intern at AXIS BANK, Chandigarh. I request you to kindly spare some of your valuable time answering the questionnaire. The information collected through this questionnaire are meant purely for academic purpose.)

1. Name:

2. Sex: (Male/Female)

3. Age:

a) 20-30 yrs

b) 30-40 yrs

c) 40-50 yrs

d) More than 50 yrs

4. Educational Qualification:

a) Less than High School

b) High School

c) Intermediate

d) Graduate

e) Post-Graduate

5. Marital status:

a) Single

b) Married

6. If married, is your spouse working?

a) Yes

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b) No

7. No. of dependents in the family?

a) 2

b) 3

c) 4

d) More than 4

8. Occupation:

a) Public sector employee

b) Private sector employee

c) Business

d) Retired

e) Professional

9. Which income group do you belong to?

a) Less than 50,000 p.a.

b) 50,000 to 1, 00,000 p.a.

c) 1, 00,000 to 3, 00,000 p.a.

d) 3, 00,000 to 5, 00,000 p.a.

e) More than 5, 00, 000 p.a.

10. Do you have any other product of axis bank other than salary/saving account?

a) Yes

b) No

11.How you find the salary/saving accounts of Axis Bank?

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a) very good

b) good

c) excellent

d) poor

e) satisfactory

12. Are you satisfied with your salary/saving account?

a) Yes

b) No

13. Which bank has ease of access?

a) Axis bank

b) HDFC Bank

c) ICICI bank

14. Which bank offers you the flexibility in its products?

a) Axis Bank

b) HDFC Bank

c) ICICI Bank

15. Which is the area of improvement for Axis Bank?

a) Products

b) RM

c) Services

d) Technology

e) Updates

THANK YOU

REFERENCES

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WWW.AXISBANK.COM

BUSINESS RESEARCH METHODOLOGY (ICFAI)

WWW.HDFCBANK.COM

WWW.ICICIBANK.COM

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