Finance Project on Various Credit Schemes of SBI & Other Banks .......

INTRODUCTION TO BANKING
Banking regulation Act, !"!, defines #anking as acce$ting for the
$ur$ose of lending or in%estment, of de$osits of mone& from the
$u#lic, re$a&a#le on demands or other'ise and 'ith dra'a#le on
demand #& che(ues, draft or order other'ise.
Functions of Commercial Banks :
)o change cash for #ank de$osits and #ank de$osits for cash.
)o transfer #ank de$osits #et'een indi%iduals and or com$anies.
)o e*change de$osits for #ills of e*change, go%t. #onds, the secured
and unsecured $romises of trade and industrial units.
)o under'rite ca$ital issues. )he& are also allo'ed to in%est +, of
their incremental de$osit lia#ilities in shares and de#entures in the
$rimar& and secondar& markets.
)he lending or ad%ancing of mone& either u$on securities or 'ithout
securities.
)he #orro'ing, raising or taking of mone&.
)he collecting and transmitting of mone& and securities.
)he #u&ing and selling of foreign e*change including foreign #ank
notes.
Banking scence in India
)he #anking sector in India is $assing through a $eriod of structural
change under the com#ined im$act of financial sector reforms, internal
com$etition, changes in regulations, ne' technolog&, glo#al
com$etiti%e $ressure and fast e%ol%ing strategic o#jecti%es of #anks and
their e*isting and $otential com$etitors. -ntil the last decade, #anks
'ere regarded largel& as institutions rather akin to $u#lic utilities. )he
market for #anking ser%ices 'ere oligo$olies and Centrali.ed 'hile the
market $lace 'as regulated and #anks 'ere e*$ected to recei%e assured
s$reads o%er their cost of funds. )his $henomenon, 'hich 'as
caricatured as /010/ #anking in the united states, meaning that #anks
acce$ted de$osits at /,, lent at 1,, and 'ent home at / $.m. to $la&
golf, 'as the result of the sheltered markets and administrated $rices
for #anking $roducts. 2*istence of entr& #arriers for ne' #anks meant
that com$etition 'as restricted to e*isting $la&ers, 'ho often o$erated
as a cartel, e%en in areas 'here the freedom to $rice their $roducts
e*isted.
)he market $lace #egan to change for #anks in India as a result of
reforms of the financial sectors initiated in the current decade. On
account of $olic& measures introduce to infuse greater com$etiti%e
%italit& in the s&stem, the #anking has entered in to a com$etiti%e
$hase. Com$etition has emerged not onl& from 'ithin the #anking
s&stem #ut also from non0#anking institutions. 3o'ering of entr&
#arriers, deregulation of interest rates and gro'ing so$histication of
customers ha%e made #anking far less oligo$olistic toda&. Introduction
of ca$ital ade(uac& and other $rudential norms, freedom granted to
enter into ne' turf4s and greater o%erla$ of functions #et'een #anks
and non0#anks ha%e forced #anks to get out of their co.& little 'orld
and think of the future of the #anking.
merging en!ironment in India
Full con!erti"ilit# of ru$ee leading to free mo"ilit# of ca$ital% &'ic'
&ill mean !irtual colla$se of t'e national "orders for trade and
ca$ital flo&s(
Greater coordination "et&een monetar#% fiscal and e)c'anged rate
$olicies for ac'ie!ing t'e goals of faster and sustaina"le economic
gro&t'% macro*economic sta"ilit# and e)$ort $romotion(
Close integration of !arious financial markets suc' as mone#
market% ca$ital market and fore) market(
Remo!al of lo&ering of e)isting "arriers of com$etiti!eness% &'ic'
are $resent toda# in t'e form of +uantitati!e instructions on certain
im$orts $rotecti!e custom duties% reser!ation of certain utilities for
t'e $u"lic sector(
Gro&ing $ri!ati,ation and commerciali,ation infrastructure sector(
Toda#% Banks customers are "etter informed% more so$'isticated and
discerning( T'e# also 'a!e a &ide c'oice to c'oose from !arious
"anks and non*"ank intermediaries( T'eir e)$ectations are soaring(
T'is is $articularl# true for "anks cor$orate clientele "ut also
a$$lies to customers from $ersonal segment(
T'is is c'anging $rofile of customer-s call for a s'ift from $roduct*"ased
a$$roac' to customers*"ased a$$roac'( A "ank aiming at
ma)imi,ing customer !alue must% of necessit#% $lan for customi,ed
$roducts( A com"ination of marketing skills and state*of*t'e*art
tec'nolog# s'ould ena"le to "ank in ma)imi,ing its $rofits t'roug'
customer satisfaction(
In t'e ne)t millenium "anks &ill 'a!e to "e more and more cautions a"out
customer ser!ice% $rofita"ilit#% increased $roducti!it#% to kee$ face
&it' c'anging "anking scenario( As "anks in India $re$are
t'emsel!es for t'e millenium t'ese are t'e s'ifts in t'e $aradigm
t'e# are likel# to e)$erience( T'e ./
st
centur# ma# see t'e da&n of
0DAR1INIAN BANKING2( Onl# t'e "anks could fulfill t'e
demands of markets and c'anging items &ould sur!i!e and $ros$er(


A &ord a"out 3BI card
SBI Segment 5
Small #usiness credit card 6SBI credit card7
Pream#le 5
Small #usiness units, retail traders, artisans, %illage industries, small0
scale industrial units and tin& units, $rofessionals and self em$lo&ed
$ersons etc., contri#ute significantl& to the gro'th of our econom&. )he
entre$reneur himself manages man& of the units. Ver& often, these
entre$reneurs com$lain of $rocedural dela& in sanctions and rene'al of
limits. )he& also find it difficult to co$e 'ith the demands for audited
#alance sheet and other statements sought #& the #ank from time to
time for a%ailing credit facilities. 8ith a %ie' to $ro%iding hassle free
financial su$$orts to the a#o%e categories of entre$reneurs 'ho ha%e
sho'n commitment to run the unit successfull& and 'ho are dealing
'ith the #anks for last t&o #ears satisfactoril&, ne' and friendl& credit
$roduct namel& small "usiness credit card sc'eme is designed. -nder
the scheme, cum#ersome $rocedural as$ects relating to re%ie's and
rene'als, su#mission of #alance sheet, stock statements and other
statements are done 'ith credit deli%er& made sim$le and eas&.
4ur$ose :
)o meet the credit re(uirements of small #usiness units, industrial unit,
retail trader, artisan, Small Scale Industr& 6SSI7 and tin& units.
ligi"ilit# :
A( Customers of the follo'ing segments 'ith a satisfactor& track
record for the last t'o &ears enjo&ing credit facilities.
Small industrial units 6SSI and tin& units including
artisans7
Small retail traders 6-nder SBF7
Professional and self em$lo&ed $ersons
Small #usiness enter$rise
B( -nits 'ho do not enjo& credit limit 'ith us9other #anks at
$resent 'ith e*cellent $erformance and credential ma& #e
considered.
5uantum of loan :
3oan u$ to :s. + 3akh can #e sanctioned to eligi#le $ersons.
Assessment :
)he small #usiness credit card limit can #e fi*ed as follo's 5
For small "usiness% retail trader etc( ;<, of the annual
turno%er declared for ta* $ur$ose or last t'el%e months turno%er
in the o$erati%e accounts, 'hiche%er is higher.
In res$ect of $arties 'ith good track record, 'here sales ta* returns are not a%aila#le, the
credit limits ma& #e decided taking into consideration the actual turno%er in the accounts
during the last t'o &ears.
For $rofessionals and self em$lo#ed $ersons% +<, of their
gross annual income as $er I) return shall #e considered as the
limit for issuing the SBI credit card.
For small scale industrial units% tin# sector units the
assessment norms in %ogue as $er the =a&ak Committee
recommendations 'ould continue.
6alidit# :
Credit card limit 'ill #e %alid for a $eriod of three &ears, su#ject
to satisfactor& conduct of the accounts.
Annual re%ie' 'ill #e done #ased on conduct9o$erations of the
A9cs. A major $ortion of the sales turno%er should ha%e #een
routed through the accounts as re%ealed #& the credit
summations.
Re$a#ment :
)he 'orking ca$ital ad%ance ma& #e continued su#ject to that
re%ie' e%er& &ear $ro%ided the credit summations in the account
is not less than +<, of the $rojected sales turno%er. If the credit
summations is less than +<, of $rojected sales turno%er. )he
outstanding as on the due date of re%ie' should #e made
re$a&a#le in suita#le monthl& installments.
)he term loan is re$a&a#le in suita#le installments 'ith in a
ma*imum $eriod of fi%e &ears.
In case of com$osite loans, onl& the term loan is re$a&a#le in
installments u$ to a ma*imum $eriod of fi%e &ears.
Interest rate :
As $er e*tent instructions issued from time to time relating the market
segment.
Refinance :
No refinance is to "e claim from 3IDBI
3ecurit# :
Primar& 5 >&$othecation of the stock in trade recei%a#les, machiner&,
office e(ui$ment.
Collateral :
-nder SSI0=o collateral securit& as $er e*isting guidelines of :BI.
User 3BF :
-$ to :s. ;+<<<90 =o collateral securit&.
O%er :s. ;+<<<90 charge o%er mo%a#le9immo%a#le $ro$ert& or third
$art& granted.
>o'e%er, in case of the e*cellent track record, sanctioning authorit&
ma& 'ai%e collateral re(uirement.
7argins :
U$ to Rs( .8999:* NI;
:s. ;+<<90 to :s. +,<<,<<<90 ;<,
Documentation :
?ocuments as $er e*tant instructions.
7et'odolog# :
)he credit card is a hassle free con%enient #anking $roduct aimed at
sim$lif&ing the credit deli%er& mechanism. Cum#ersome $rocedural
as$ects relating to re%ie's and rene'als, su#mission of stock
statement, #alance sheet and other statements are done a'a& 'ith. )he
credit limit 'ill #e 'orked as detail a#o%e.
Small #usiness credit card
Card =o.
=ame
Account =o.
)el. =o.
3imit :s.
?ate of issue
Valid u$to
@@@@.. 6Branch Code7
Signature of the Brach Aanager



Card holder4s Photogra$h 'ith signature


)he #orro'er 'ould #e issued a $hoto card indicating sanctioned limit
and %alidit& of the limit 6sam$le card7




Insurance :
Fi)ed assets:stock $ledged:'#$ot'ecated to t'e "ank "e full#
insured at least to t'e e)tent of t'e "ank interests(
Bank ma# &ai!e insurance of assets for e+ui$ment against t'e fire
and ot'er risk u$ to Rs(.8999:*
Co!er under credit guarantee sc'eme :
All eligi"le laon accounts sanctioned for small scale industries <ot'er t'an
ser!ices= &ould +ualif# for co!er under CGTF3I sc'eme <$resentl#
t'e sc'eme 'as "een introduce in fi!e circles on $ilot "asis !i,( Ne&
Del'i% C'andigar'% ;uckno&% 4atna > ?#dra"ad=(
O$eration :
Small #usiness credit card accounts should #e maintained in a
se$arate ledger.
Che(ue #ook should #e issued and marked as small #usiness
credit card account.
Pass #ook should #e issued for mall #usiness credit card holders.
Stock statement 'ai%ed.
Su#mission of audited #alance sheet 'ai%ed.
Borro'er 'ould #e issued a small #usiness credit card 'ith
$hotogra$h thereon. Cost of $hotogra$h to #e #orne #& #anks.
I:AC norms 'ould #e a$$lica#le.
Brief o$inion re$ort should #e recorded. Aarked in(uiries should
#e made and recorded in the o$inion re$ort and singed #& the
field officer9cash officer or officers not #elo' that rank.
-nits 'ithin a radius of + kilometers ma& #e co%ered intensi%el&
for the issue of credit card. )his condition ma& #e 'ai%ed for
such of those units alread& in the #ook of the #ranch as on /0;0
;<<;.
Ins$ections :
>alf0&earl& ins$ection9monitoring to ensure the end user funds.
3anction :
:e(uired loan ma& #e sanctioned 'ith in a 'eek after recei$t of
detailed information.
Control return after sanction ma& #e sent to ne*t higher authorit& for
a$$ro%al .
3coring 7odel :
3oan 'ould #e sanctioned u$ to :s. +,<<,<<<90 #ased on the sim$lified
scoring model as gi%en in anne*ure0 II. )hose 'ho are scoring less than
1<, 'ould not (ualif& for the loan.
Rationale :
=e' schemes for hassle free credit facilities to small #orro'er.
Automatic Teller 7ac'ine <AT7=
An AT7 <Automatic Teller 7ac'ine= card is useful to a card 'older
as it 'el$s 'im to &it'dra& cas' from "anks e!en &'en t'e# are
closed( T'is can "e done "# inserting t'e card in t'e AT7 installed
at !arious "anks locations(

3tate Bank Cas' 4lus CARD




3ignature 4anel(
Aagnetic Stri$e

Features of 3tate Bank Cas' 4lus Card

State Bank Cash Plus Card ha%ing the ! digit.
=ame of the card holders mention there on it.
In case of State Bank Cash Plus Card, there is no e*$ir& $eriod
#ut for the old card, the date after 'hich &our card needs to #e
rene'ed is the last da& of the month indicated on &our card.
Signature $anel on 'hich &ou must sign as soon as &ou4re &our
card. It identifies the card as &our State Bank Card Plus Card.
)he magnetic stri$e, 'hich contains encoded information.
A)A card $ossess $incode 'hich ha%ing the " digit.

Use of 3tate Bank Cas' 4lus Card

8e uses our State Bank Cash Plus Card for cash 'ithdra'al
from A)As.
1e uses it for making t'e $a#ments for $urc'ase made at t'e
merc'ant esta"lis'ments(
3ignificance of t'e 3tud#
)his stud& entitled Bcom$arati%e stud& of %arious credit schemes of
SBI V9s other #anksC 'ill #e hel$ful for #ankers to maintain customers
ser%ice $olic&, for customers 'hile deciding their financing needs and
also hel$ful for other researchers for further research in the future.
SBI card $ro%ides customers 'ith an o$tion, in addition to the e*isting
#anking credit facilities a%aila#le. 8ith an SBI card customers can
enjo& hassle0free credit facilities.
)his stud& 'ould hel$ us to kno' a#out the $ro#lems that are faced #&
the consumers during transactions. It 'ould also re%eal the $ro#lems
that are #eing faced #& the #ank em$lo&ees 'hile dealing 'ith
customers and 'ould also highlight the future $ros$ect of SBI card.
Re!ie& of e)isting literature
It is %er& essential to kno' 'hether the stud& has alread& #een
conducted #efore. If so, ho' and to 'hat e*tent D And #ecause of this
scholar has to go through all the e*isting literature related to the stud&.
SBI Card is a ne' conce$t introduced in Bhi'ani #& 3tate Bank of
India onl& a fe' months #ack, %er& limited studies ha%e #een
conducted on the su#ject. ?ue to the time restrictions scholar could
seek ad%ice from onl& the limited literature, 'hich is a%aila#le 'ith the
#ank.
As the conce$t is com$letel& under the control of %arious #anks and
:BI. So the information is directl& taken from these sources.
Conce$tuali,ation
As t'e conce$t includes t&o terms i(e( cas' credit or &orking ca$ital loans
and terms loans( T'erefore "ot' t'e terms are taken into
consideration in t'e $ro$osed stud#( Due to t'e $ri!ati,ation of
"anking sector man# "ig $ri!ate $la#ers entered in t'is sector gi!ing
a toug' com$etition to t'e e)isting $la#ers( 3o% to face t'is stiff
com$etition all t'e $u"lic sector "anks 'a!e to re!ie& t'eir
functioning( T'ese as$ects &ill "e gi!en im$ortance in t'is stud#(
T'e conce$t of 3BI card is +uite ne& to t'e $eo$le of B'i&ani( 5uestion
cro$s in mind &'at is a 3BI card% 1'at is its s'a$e and si,e% &'at is
its function( A 3BI card is not'ing "ut a identit# card containing
card 'older-s $'otogra$'s &it' signature% card no( Name% A:c No(
limit% !alidit# $eriod% "ranc' code &it' signature of Branc'
7anager(
Focus of t'e $ro"lem
T'e stud# 'as "een conducted at 3BI B'i&ani( T'e main focus of t'e stud#
is to kno& a"out customer-s $erce$tions a"out !arious credit
sc'emes( As 3BI card is an integral $art of 3BF <small "usiness
financing=( 3o t'e due
&eig'tage is gi!en to 3BI card( T'is stud# 'as "een conducted "#
classif#ing customers into t&o categories(
3BI Card 'olders
Non 3BI Card 'olders
O"@ecti!e of t'e 3tud#
To find out t'e market $otential of 3BI card in B'i&ani(
)o kno' customer4s $erce$tions a#out %arious credit schemes of
different #anks.
)o com$are the credit schemes of different #anks.
)o find out main o#stacles 'hile getting finance under %arious
credit schemes.

;imitations of t'e stud#
T'e time &as !er# limited as for re+uirement of stud#(
)aking Sam$le has carried out the stud&. )herefore, all the
limitations associated 'ith sam$ling.
Sometimes the res$ondent does not 'ant to disclose some
rele%ant information.
)he information $ro%ided #& the res$ondent ma& not #e
authentic.
)he sam$le si.e 'as restricted to Bhi'ani onl&.

CHAPTERISATION
)he Cha$terisation of the $roject re$ort is as follo'ing 5
C'a$ter A/ :
I ha%e discussed a#out the rele%ance and im$ortance a#out the
$roject. I ha%e e*$lained the to$ic 'ith A)A facilities. 8h& this
stud& is re(uiredD 8hat are the limitationsD 8hat are the
o#jecti%es and 'hat are the ste$s I ha%e ado$ted for doing this
$roject.
C'a$ter A. :
)his stud& consists of the 'hole research methodolog& a#out the
$roject. It means 'hat are the ste$s ha%e #een taken for doing
this stud&. >o' much the sam$le si.e and 'hat are the %aria#lesD
So this stud& consist the com$lete research methodolog&. In this
cha$ter the $rofile of organisation has #een also co%ered.
C'a$ter AB :
It consists the detail descri$tions a#out the ra' data. >ere the
com$lete anal&sis of the data, 'hich is collected from the
$rimar& sources. For ta#ulation the data is con%erted into the
$ercentage and after that it is ta#ulated. On the #asis of this data
the gra$h are inserted. At last the conclusion is dra'n on the
#asis of this data.
C'a$ter AC :
It consists the a$$endices $art of the $roject re$ort in this $art I
ha%e mentioned the names of all those #ooks, maga.ines,
journals and 'e#0sites from 'here I ha%e collected the material
comes under the head of #i#liogra$h&. It also consists the
(uestionnaire, 'hich is used for collecting the data.
Uni!erse or sur!e# $o$ulation
All t'e customers a!ailing credit sc'emes in B'i&ani is our uni!erse &'ile
t'e sam$le si,e is 89( T'e sam$le unit is indi!iduals(
Criteria of selecting sam$le :
1e are taking t'e sam$le on our con!enience(
3am$ling tec'ni+ues :
3am$ling tec'ni+ues ma# "e di!ided into t&o categories :
</= 4ro"a"ilit# sam$ling :
4ro"a"ilit# sam$les are c'aracteri,ed "# t'e fact 'at eac'
element of t'e $o$ulation 'as kno&n% non*,ero c'ance of "eing
included in t'e sam$le(
<.= Non*$ro"a"ilit# sam$ling :
Non*$ro"a"ilit# sam$ling in!ol!es $ersonal @udgement
some&'ere in t'e $rocess( For t'e $resent stud#% con!enient
tec'ni+ue of sam$ling <non*$ro"a"ilit#= &as used(
Researc' Design
A researc' design is sim$l# a $lan for stud# in collection and anal#,ing
t'e data( It 'el$s t'e researc'er to conduct t'e stud# and ensure
t'at economical $rocedures are em$lo#ed and $ro"ing is
rele!ant to t'e $ro"lem( De$ending u$on t'e o"@ecti!e of t'e
stud# t'ere is t'ree*researc' design a!aila"le : (
)$lorator# Researc'
Descri$ti!e Researc'
Casual or )$erimental Researc'
Data Collection :
T'ere are t&o sorts of data a!aila"le :
/( 4rimar# Data :
4rimar# Data are t'ose data &'ic' are collected to sol!e a $ro"lem or
take ad!antage of an# o$$ortunit# on &'ic' a decision is
de$ending( T'ese data are "asicall# o"ser!e and recorded "# t'e
researc'er for t'e first time used $rimar# data for m# $ro@ect
&ork(
.( 3econdar# Data :
3econdar# data are t'ose data &'ic' are $rimaril# collected "# ot'er
$erson for 'is o&n $ur$ose(
7et'ods of Data Collection :
O"ser!ation 7et'od
5uestionnaire 7et'od
Identified Inde$endent and De$endent !aria"les :
Inde$endent !aria"les :
All t'e e)ternal factors are inde$endent !aria"les :
Go!t( $olic# of RBI
n!ironmental factors
1ar
Tec'nolog#
Natural Calamities
De$endent !aria"les :
All t'e internal factors of organi,ation are de$endent !aria"les :
Com$an# $olic#
Infrastructure
Ta"le No( /
A&areness le!el a"out !arious credit facilities
D3 NO
CE 9C





Aost of the res$ondent are 'ell a'ared a#out the credit facilities of
different Banks


Ta"le No( .
No( of res$ondents a!ailing t'e credit facilities
D3 NO
CC 9E




Aost of the res$ondent are a%ailing credit facilities from Banks.





Ta"le No( B
Distri"ution of Res$ondents a!ailing t'e credit facilities from "anks(
3BI 4NB UCO IOB Ot'ers
/F /C 9C 9E 9.




=earl& "<, of the :es$ondents are a%ailing credit facilities from SBI
follo'ed #& P=B.


Ta"le No( C
Time since customers are a!ailing credit facilities
7ore t'an B . to B / to . ;ess t'an One
/9 /E /C 9C



Aost of the res$ondents are a%ailing the credit facilities ranging from
to / &ears.





Ta"le No( 8
No( of satisfied customers
Des No
B. /.




Customers are highl& satisfied 'ith their #anks.




Ta"le No( E
A&areness le!el a"out !arious credit facilities of different "anks
3BI 4NB IOB UCO CANARA OBC
C. C9 .. /C /. 9F








)he credit facilities of SBI and P=B are 'ell kno'n to e%er&
res$ondent.

Ta"le No( G <a=
Ranking of "anks on t'e "asis of interest rate
3BI 4NB IOB UCO CANARA OBC
B9 .G 9F /B 9F /C







SBI and P=B are the most $referred #anks in regard of interest rates.

Ta"le No( G <"=
Ranking of "anks on t'e "asis of collateral securit# re+uirement
3BI 4NB IOB UCO CANARA OBC
.E B9 /E /9 9E /.






:es$ondents are %er& much satisfied 'ith SBI and P=B in res$ect of
collateral securit& re(uirement.
Ta"le No( G <c=
Ranking of "anks on t'e "asis of attitude of t'e em$lo#ees
3BI 4NB IOB UCO CANARA OBC
.F .G .9 F /9 9G






:es$ondents a$$reciate the attitude of em$lo&ees of the SBI, P=B and
IOB.
Ta"le No( G <d=
Ranking of "anks on t'e "asis of ser!ices
3BI 4NB IOB UCO CANARA OBC
.E B. .E 9E 9E 9C







:es$ondents a$$reciate the le%el of ser%ices $ro%ided #& SBI, P=B and IOB.
Ta"le No( G <e=
Ranking of "anks on t'e "asis of documents re+uired
3BI 4NB IOB UCO CANARA OBC
.F .C /F /. 9F /9







Customers are ha$$& 'ith the document re(uirement of SBI and P=B.
Ta"le No( G <f=
Ranking of "anks on t'e "asis of rene&al $rocess
3BI 4NB IOB UCO CANARA OBC
BF .. /E 9F 9F 9F










Customers are %er& much satisfied 'ith the rene'al $rocess of SBI and tanks to SBI card.
Ta"le No( F
7ain o"stacle &'ile getting finance
<a= <"= <c= <d= <e=
3ecurit# Document Red Guarantee
Attidute of
Re+uirements Ta$isam re+uirement Bank
m$lo#ees
.C 9F 9C 9F 9E








Securit& re(uirements are the main o#stacle 'hile a%ailing an& credit facilit&.
Ta"le No( H
4reference order of different $arameters
<a= <"= <c= <d= <e= <f=
Interest Collateral Attitude of 3er!ices Document
6alidit#
Rate 3ecurit# Bank m$( re+uirement
C. /. 9F /E
/C 9F







Customer $refer lo' interest rates follo'ed #& ser%ices.
Ta"le No( /9
4reference le!el of "anks
3BI 4NB IOB UCO CANARA OBC
8E .C /9 9C 9C 9.








Aore than half of the res$ondents $refer SBI follo'ed #& P=B.
Ta"le No( //
A&areness le!el of 3BI Card
Des No
BF /.








A good a'areness le%el is e*ist a#out SBI cards.

Ta"le No( /.
3ources of information a"out 3BI card
Friends Bank m$lo#ees Ad!ertisement 4u"licit#
9E .. 9C
9E









Aost of the res$ondents gets information a#out SBI card from #ank em$lo&ees.
O"@ecti!e No( / : )o find out the market $otential of SBI card in Bhi'ani.
E Aost of the res$ondents co%ered in the sur%e& kno' a#out the SBI card
and feel that this facilit& is #eneficial to them as the& can fi* the limit for
three &ears.
E :es$ondents e%en re(uire further guidance related to fe' things.
E Customers feel %er& enthusiastic a#out the launch of SBI card in
Bhi'ani and %er& sure a#out its success.
E Aost of the res$ondents 'ant an increase in e*isting limit i.e. +.<< lacs.
O"@ecti!e No( . : )o kno' customer4s $erce$tions a#out %arious credit
schemes of different #anks.
E Aost of the res$ondents like the credit facilities $ro%ided #& SBI and
P=B.
E According to most of res$ondents, P=B is the fastest ser%ice $ro%ider. It
takes onl& + da&s to dis#urse the sanctioned loans 'hereas other #anks
including SBI takes "< to "+ da&s.
E P=B is offering the lo'est P3: i.e. .;+, 'hereas other #anks are
offering .+,.
O"@ecti!e No( B : )o find out main o#stacle 'hile getting finance under
%arious credit schemes.
According to most of res$ondents, securit& and document re(uirement
are the main o#stacles 'hile getting finance under %arious credit schemes.
3uggestions
On the #asis of data anal&sis and inter$retations, the follo'ing suggestions can
#e made.
E :BI Should reduce the S3: and C:: to increase the credit creation
ca$acit& of the #anks.
E All the nationali.ed #anks should tr& to im$ro%e their ser%ice le%el to
face the stiff com$etition gi%en #& $ri%ate #anks..
E Banks should reduce the time length #et'een sanction and dis#ursement
of loan.
E SBI should increase the limit under SBI card to fulfill the gro'ing
re(uirement of the customers.
E Bank em$lo&ees should #ring more $rofessionalism in their attitude
'hile dealing 'ith customers to retain and attract more customers.
E Banks should narro' do'n the s$read #et'een P3: and de$osit rates.
E Banks should ad%ertise and conduct s$ecial a'areness $rograms to
make SBI cards more $o$ular among customers.
5uestionnaire
Name IIIIIIIIII Age IIIIIIIIII(
IncomeIIIIIIIII((( Occu$ationIIIIIII(((
F. Are &ou a'are of %arious credit facilities of #anks D
Ges =o
F;. Are &ou a%ailing credit facilit& from an& #ank D
Ges =o
F/. If &es, from 'hich #ank &ou are a%ailing credit facilit& D
@@@@@@@@@@@@@@@@@@@@@@
F". Since 'hen &ou are a%ailing this facilit&.
a7 Aore than / &ear #7 ;0/ &ears
c7 0; &ears d7 3ess than &ear
F+. Are &ou satisfied 'ith &our e*isting #ank D
Ges =o
F1. If no, then 'h& @@@@@@@@@@@@@@@@.
@@@@@@@@@@@@@@@@@@@@@@..
F.H )ick the name of #anks 'hose credit facilities are kno'n to &ou D
a7 SBI #7 P=B c7 IOB
d7 CA=A:A e7 -CO f7 OBC
FI. :ate the #anks on the #asis of follo'ing $arameters 5
Factors Interest Collatarel Attitude Ser%ices ?ocument :ene'al

Banks
:ate Securit& of Field
officer
re(uired $rocess
SBI
P=B
-CO
OBC
CA=A:A
IOB
F!. According to &ou 'hat is the main o#stacle 'hile getting finance under %arious
credit facilitiesD
a7 Securit& #7 ?ocument :e(uirement
c7 :ed )a$ism d7 Juarantee re(uirement
e7 Attitude of #ank em$lo&ees
F<. According to &ou arrange the $arameters in the descending order of their
$referenceD
a7 Interest :ate #7 Collateral Securit&
c7 Ser%ices d7 Attitude of field Officer
e7 ?ocument re(uired f7 Validit& $eriod
F. 8hich #anks name comes to &our mind first 'hile a%ailing credit facilit& and 'h&D
@@@@@@@@@@@@@@@@@@@@@@@@@@@..
@@@@@@@@@@@@@@@@@@@@@@@@@@@..
F;. >a%e &ou heard a#out SBI cardD
Ges =o
F/. If &es, from 'hereD
a7 Friends #7 Bank 2m$lo&ees
c7 Ad%ertisement d7 Pu#licit&
F". ?o &ou 'ant to gi%e an& suggestions to #anksD
@@@@@@@@@@@@@@@@@@@@@@@@@@@.
@@@@@@@@@@@@@@@@@@@@@@@@@@@.