Do you have an account with SBI bank?

PARTICULARS

FREQUENCY

PERCENTAGE
A.YES

B. NO
80

20
80

20

TOTAL

100

100





INTERPRETATION:

Among 100 respondents 80 are SBI Customers and have different accounts and have transactions
in SBI Bank.



A.YES B. NO
8
0
2
0
0
10
20
30
40
50
60
70
80
P
E
R
C
E
N
T
A
G
E
PARTICULARS
, which are the Personal Banking products you deal with SBI (Savings Account).



PARTICULARS

FREQUENCY

PERCENTAGE
A.YES

B.NO
80

20
80

20

TOTAL

100

100





INTERPRETATION:

80% of the customers have got savings account in SBI Bank and remaining 20% of them use
other accounts.




A.YES B. NO
8
0
2
0
0
10
20
30
40
50
60
70
80
P
E
R
C
E
N
T
A
G
E
PARTICULARS
, which are the Personal Banking products you deal with SBI (Auto Loan).



PARTICULARS

FREQUENCY

PERCENTAGE
A.YES

B.NO
23

77
23

77

TOTAL

100

100





INTERPRETATION:

23% of the respondents have taken Auto Loan. There are fewer respondents in case of fixed
deposit because it is kept for long time, which will be fixed.


A.YES B. NO
2
3
7
7
0
10
20
30
40
50
60
70
80
P
E
R
C
E
N
T
A
G
E
P AR TI CULAR S

, which are the Personal Banking products you deal with SBI (Home Loan).



PARTICULARS

FREQUENCY

PERCENTAGE
A.YES

B.NO
14

86
14

86

TOTAL

100

100





INTERPRETATION:

Only 14% of the respondents have borrowed for Loan for Construction of Home, i.e. Home
Loan.
A.YES B. NO
1
4
8
6
0
10
20
30
40
50
60
70
80
90
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS



which are the Personal Banking products you deal with SBI (Education Loan)



PARTICULARS

FREQUENCY

PERCENTAGE
A.YES

B.NO
2

98
2

98

TOTAL

100

100





INTERPRETATION:

Few of them i.e. 2% have taken education loan in SBI Bank and remaining have either deposited
or borrowed loan for some other purpose.
A.YES B. NO
2
9
8
0
10
20
30
40
50
60
70
80
90
100
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS




, which is the Personal Banking products you deal with SBI (Debit Card [ATM Card])



PARTICULARS

FREQUENCY

PERCENTAGE
A.YES

B.NO
71

29
71

29

TOTAL

100

100





INTERPRETATION:

There are 71% of the customer who are using Debit cards and 29% of them dont use Debit card.
A.YES B. NO
7
1
2
9
0
10
20
30
40
50
60
70
80
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS

. Which are the Personal Banking products you deal with SBI (Credit Card).



PARTICULARS

FREQUENCY

PERCENTAGE
A.YES

B.NO
24

76
24

76

TOTAL

100

100





INTERPRETATION:

There are 24% of the customer who are using Credit cards and 76% of them dont use other
cards.
A.YES B. NO
2
4
7
6
0
10
20
30
40
50
60
70
80
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS
The factors that made you to become a part of the SBI (Convenience)



PARTICULARS

FREQUENCY

PERCENTAGE
Very good
Good
Ok
Bad
Very bad
41
26
39
0
1
41
26
39
0
1
Total
Missing system
80
20
80
20
TOTAL 100 100





INTERPRETATION:

The main factor for some customer is Convenience where 41% of them have said Very Good,
26% have said Good and remaining i.e. 39% said it Ok and remaining 1% said very badly.
Very
good
Good Ok Bad Very bad
4
1
2
6
3
9
0
1
0
5
10
15
20
25
30
35
40
45
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS
The factors that made you to become a part of the SBI (Service)











INTERPRETATION:
36% Respondents have said that the service is the first factor which made them to open account
in SBI Bank. The other 28% of them have said good for the service given, 12% have said its Ok,
and 4% of them have said Bad.

Very
good
Good Ok Bad Very bad
3
6
2
8
1
2
4
0
0
5
10
15
20
25
30
35
40
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS

PARTICULARS

FREQUENCY

PERCENTAGE
Very good
Good
Ok
Bad
Very bad
36
28
12
4
0
36
28
12
4
0
Total
Missing system
80
20
80
20
TOTAL 100 100
The factors that made you to become a part of the SBI (Interest Rates).

















INTERPRETATION:
The Interest rate is Very Good for 25%, 30% have said its Good ,23% have said Ok ,and
Remaining 2% have said Bad.

Very
good
Good Ok Bad Very bad
2
5
3
0
2
3
2
0
0
5
10
15
20
25
30
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS

PARTICULARS

FREQUENCY

PERCENTAGE
Very good
Good
Ok
Bad
Very bad
25
30
23
2
0
25
30
23
2
0
Total
Missing system
80
20
80
20
TOTAL 100 100
The factors that made you to become a part of the SBI (Loan facilities).














INTERPRETATION:
The Loan facility is also the factor, which influenced to transact with SBI Bank, and 39% have
said is Ok, 20% respondents have said Good ,18% have said it as Very Good and remaining 3%
have said Bad.

Very
good
Good Ok bad Very bad
1
8
2
0
3
9
3
0
0
5
10
15
20
25
30
35
40
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS

PARTICULARS

FREQUENCY

PERCENTAGE
Very good
Good
Ok
bad
Very bad
18
20
39
3
0
18
20
39
3
0
Total
Missing system
80
20
80
20
TOTAL 100 100
The Transactions done in SBI are












INTERPRETATION:
13% of the respondents say that the transactions are Moderate, 63% is quick and remaining 4%
say it as slow.

Quick Moderate Slow
6
3
1
3
4
0
10
20
30
40
50
60
70
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS

PARTICULARS

FREQUENCY

PERCENTAGE
Quick
Moderate
Slow
63
13
4
63
13
4
Total
Missing system
80
20
80
20
TOTAL 100 100
How will you get to know about SBI Personal Banking facilities or the offers?










INTERPRETATION:
The Products and Offers of SBI Bank are known through Newspapers which we can see in the
above bar diagram 61%, from News Paper, 7% from Websites, TV advertisement is 6% and 6%
from Any Other i.e. Personal Approach.


News
paper
Website TV-
advertise
ments
Any
other
6
1
7
6
6
0
10
20
30
40
50
60
70
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS

PARTICULARS

FREQUENCY

PERCENTAGE
News paper
Website
TV-advertisements
Any other
61
7
6
6
61
7
6
6
Total
Missing system
80
20
80
20
TOTAL 100 100
How frequently you use the Personal Banking products. (Savings A/c)


PARTICULARS

FREQUENCY

PERCENTAGE
Weekly
Monthly
Quarterly
Yearly
35
45
0
0
35
45
0
0
Total
Missing system
80
20
80
20
TOTAL 100 100





INTERPRETATION:
35% of the respondents who are having Savings Account in SBI Bank visit weekly and 45% visit
monthly.

Weekly Monthly Quarterly Yearly
3
5
4
5
0
0
0
5
10
15
20
25
30
35
40
45
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS
How frequently you use the Personal Banking products (Home Loan)


PARTICULARS

FREQUENCY

PERCENTAGE
Weekly
Monthly
Quarterly
Yearly
Others
0
6
6
2
66
0
6
6
2
66
Total
Missing system
80
20
80
20
TOTAL 100 100





INTERPRETATION:
Some of the respondent who are having Home Loan in SBI Bank said that they will visit Yearly
to pay the interest which is 2%, 6% of the respondent said they will visit Quarterly and
remaining 6% Monthly.
Weekly Monthly Quarterly Yearly
0
6
6
2
0
1
2
3
4
5
6
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS
How frequently you use the Personal Banking products (Education Loan)


PARTICULARS

FREQUENCY

PERCENTAGE
Weekly
Monthly
Quarterly
Yearly
Others
0
0
1
1
78
0
0
1
1
78
Total
Missing system
80
20
80
20
TOTAL 100 100




INTERPRETATION:
The respondents of Education Loan visit SBI Bank Quarterly or Yearly on the basis of terms and
conditions.

Weekly Monthly Quarterly Yearly
0
0
1
1
0
0.1
0.2
0.3
0.4
0.5
0.6
0.7
0.8
0.9
1
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS
How frequently you use the Personal Banking products (Debit Card)
















INTERPRETATION:
64% respondent who are having Debit Card in SBI Bank use it weekly, 6% of them use monthly
and remaining 1% of them use quarterly.

Weekly Monthly Quarterly Yearly
6
4
6
1
0
0
10
20
30
40
50
60
70
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS

PARTICULARS

FREQUENCY

PERCENTAGE
Weekly
Monthly
Quarterly
Yearly
Others
64
6
1
0
9
64
6
1
0
9
Total
Missing system
80
20
80
20
TOTAL 100 100
How frequently you use the Personal Banking products (Credit Card)
















INTERPRETATION:
4 % of SBI customers use Credit Card weekly and 17% of them use monthly and 3% of them use
quarterly.

Weekly Monthly Quarterly Yearly
4
1
7
3
0
0
2
4
6
8
10
12
14
16
18
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS

PARTICULARS

FREQUENCY

PERCENTAGE
Weekly
Monthly
Quarterly
Yearly
Others
4
17
3
0
56
4
17
3
0
56
Total
Missing system
80
20
80
20
TOTAL 100 100
How do you feel Interest rate of SBI PERSONAL products Borrowings?














INTERPRETATION:
19% of the respondents say that the interest on Borrowings is Moderate and 61% of them say
interest rate is good.

Good Moderate Poor
6
1
1
9
0
0
10
20
30
40
50
60
70
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS

PARTICULARS

FREQUENCY

PERCENTAGE
Good
Moderate
Poor
61
19
0
61
19
0
Total
Missing system
80
20
80
20
TOTAL 100 100
How do you rank SBI Personal Banking Products?

















INTERPRETATION:
The SBI customer Rank the SBI products as shown in the above chart. 26% of them say the
PERSONAL products of SBI are good, 50% rank them as Best, 3% rank it as Moderate and
remaining 1% rank them as poor.
Best Good Moderate Poor Very poor
5
0
2
6
3 1
0
0
5
10
15
20
25
30
35
40
45
50
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS

PARTICULARS

FREQUENCY

PERCENTAGE
Best
Good
Moderate
Poor
Very poor
50
26
3
1
0
5O
26
3
1
0
Total
Missing system
80
20
80
20
TOTAL 100 100
Are you interested to transact with SBI PERSONAL products?


PARTICULARS

FREQUENCY

PERCENTAGE
A.YES
B. NO
99
1
99
2
TOTAL 100 100





INTERPRETATION:

Among the respondent 99% said they wish to transact or deal with personaling products of SBI
bank and 1% of them said dont want to open account.


A.YES B. NO
9
9
1
0
10
20
30
40
50
60
70
80
90
100
P
E
R
C
E
N
T
A
G
E
P ARTI CULARS
FINDINGS
Among 100 respondents 80 are SBI Customers and have different accounts and have
transactions in SBI Bank.
80% of the customers have got savings account in SBI Bank and remaining 20% of
them use other accounts.
23% of the respondents have deposits in Fixed Deposits. There are fewer respondents
in case of fixed deposit because it is kept for long time which will be fixed.
Only 14% of the respondents have borrowed for Loan for Construction of Home, i.e.
Home Loan.
Few of them i.e. 2% have taken education loan in SBI Bank and remaining have
either deposited or borrowed loan for some other purpose.
There are 71% of the customer who are using Debit cards and 29% of them dont use
Debit card.
There are 24% of the customer who are using Credit cards and 76% of them dont use
other cards.
There are 19% of the customers who are using On-Line Banking and 81% of them
dont use On-Line Banking.
There is good response regarding the rate of return. Many of the respondents have
said that the rate of return is good i.e. 68% and 12% have said it as moderate.
The main factor for some customer is Convenience where 41% of them have said
Very Good, 26% have said Good and remaining i.e. 39% said it Ok and remaining
1% said very badly.
36% Respondents have said that the service is the first factor which made them to
open account in SBI Bank. The other 28% of them have said good for the service
given, 12% have said its Ok, and 4% of them have said Bad.
The Interest rate is Very Good for 25%, 30% have said its Good, 23% have said Ok,
and Remaining 2% have said Bad.
The Loan facility is also the factor, which influenced to transact with SBI Bank, and
39% have said is Ok, 20% respondents have said Good, 18% have said it as Very
Good and remaining 3% have said Bad.
13% of the respondents say that the transactions are Moderate, 63% is quick and
remaining 4% say it as slow.
The Products and Offers of SBI Bank are known through Newspapers which we can
see in the above bar diagram 61%, from News Paper, 7% from Websites, TV
advertisement is 6% and 6% from Any Other i.e. Personal Approach.
35% of the respondents who are having Savings Account in SBI Bank visit weekly
and 45% visit monthly.
14% of the respondents who are having Fixed Deposits in SBI Bank visit to know
about their balance yearly and there are respondent who visit quarterly where the
percentage is 9% respectively.
Some of the respondent who are having Home Loan in SBI Bank said that they will
visit Yearly to pay the interest which is 2%, 6% of the respondent said they will visit
Quarterly and remaining 6% Monthly.
The respondents of Education Loan visit SBI Bank Quarterly or Yearly on the basis
of terms and conditions.
64% respondent who are having Debit Card in SBI Bank use it weekly, 6% of them
use monthly and remaining 1% of them use quarterly.
4 % of SBI customers use Credit Card weekly and 17% of them use monthly and 3%
of them use quarterly.
There are 14% of the customers who are using On-Line Banking weekly and 5% of
them are using monthly.
19% of the respondents say that the interest on Borrowings is Moderate and 61% of
them say interest rate is good.
Among the respondent 99% said they wish to transact or deal with persona ling
products of SBI bank and 1% of them said dont want to open account.
The SBI customer Rank the SBI products as shown in the above chart. 26% of them
say the PERSONAL products of SBI are good, 50% rank them as Best, 3% rank it as
Moderate and remaining 1% rank them as poor.





RECOMMENDATIONS

The costumers are aware of only few products of SBI PERSONAL banking products.
So bank should provide the information regarding the availability of the products.
Disbursement of loans should be quickly done as and when required.
There are many People who dont know about On-Line Banking, so bank should
help to know about the operations and facilities.
The bank should provide information relating to Interest. They should help to
know how floating or fixed rate of interest is charged and the terms and conditions.














CONCLUSION


Most of the customers are aware of few SBI PERSONAL banking products like Home Loan,
Savings Account, Education loan and they are not aware of products like Loan against Shares &
Debentures, Loan against Mortgage of Property. So the bank should help the customers to know
about such products, which they are less aware. They are satisfied on the interest of PERSONAL
Banking products. SBI Bank is providing a good service to the customers and it can be termed as
satisfactory from the respondents (Questioner).