A

Summer Training Report

on
“Study of Stress Management in Private Banking Sector”
Submitted to:
KURUKSHETRA UNIVERSITY KURUKSHETRA
In the partial fulfillment of the requirements for the Award of the degree of
BACHELOR OF BUSINESS ADMINISTRATION (BBA)

Submitted By

Dimple

BBA-5th Sem

Reg No-14-SMTK-18

Exam Roll No-4873509

Session (2014-2017)

SETH BANARSI DASS INSTITUTE OF MANAGEMENT &

TECHNOLOGY (KURUKSHETRA)
Approved by AICTE and affiliated to Kurukshetra University Kurukshetra

ACKNOWLEDGEMENT
 It is my pleasure to be indebted to various people, who directly or
indirectly contributed in the development of this work and who influenced my thinking
behavior, and act during the course of study.

I express my sincere gratitude to Mr. Sachin Mittal for providing me an opportunity to

undergo research STUDY OF STRESS MANAGEMENT IN PRIVATE BANKING
SECTOR.

I am thankful to all BBA faculty members, of Seth Banarsi Dass Institute of Management
and Technology, Kurukshetra for their valuable guidance, initiations and spport
thoughought the study, without their valuable guidance, this project would have not been
possible.

Lastly, I would like the aimighty and my parents for their moral support and my friends
with whom I shared my day to day experience and received lots of suggestions that
improve my quality of work.

(Dimple)
 Preface

The study of human resource management is one of the major criteria in the
corporate sector. Human resource is the heart of the organization. By this research project
we will be able to know to reduce the stress level of the employees working in the bank. By
this way the productivity of the employee increases.

Now a day the corporate sector is booming in a high speed that the people have
to work for prolonged hours to maintain the standard of living and achieve their basic
needs. So is the condition in the hospitals, colleges, BPO’s and lots of other places. In spit
of having the modern technologies and facilities, people are feeling themselves to be work
loaded and stressed. Stress arises because of many reasons which are discussed in the
following project. The project report also contain techniques how to reduce the stress and
overcome such problems.

(Dimple)
 Declaration

I Dimple, student of BBA 5th Semester college roll no.259, studying at Seth Banarsi Dass
Institute of management & Technology, Kurukshetra,hereby declare that the research
project on “ STUDY OF STRESS MANAGEMENT IN PRIVATE BANKING SECTOR”
submitted to Kurukshetra University, Kurukshetra in fulfillment of degree of Bachelor of
Business Administration is the original work conducted by me.

The information and data given in the report is authentic is the best of my knowledge.

This research project is not being submitted to any other university for award of any other
degree, diploma and fellowship

(Dimple)
 CHAPTER-1
Human Resource Management

Human Resource Management is an art of managing people at work in

such a manner that they give their best to the organization. In simple word human
resource management refers to the quantitative aspects of employees working in an
organization.

Human Resource Management is also a management function concerned with

hiring, motivating, and maintains people in an organization. It focuses on people in
organization.

Organizations are not mere bricks, mortar, machineries or inventories. They are
people. It is the who staff and manage organizations.

HRM involves the application of management functions and principles. The

functions and principles are applied to acquisitioning, developing, maintain, and
remunerating employees in organizations.

Decisions relating to employees must be integrated. Decision on different aspect

of employees must be consistent with other human resource decisions.

Decision made must influence the effectiveness of organization. Effectiveness

of an organization must result in betterment of services to customers in the form of high-
quality product supplied at reasonable costs.

HRM function s is not confined to business establishment only. They are

applicable to non-business organizations, too such as education, health care, recreation etc.
 The scope of HRM is indeed vast. All major activities in the working life of his
or her entry into an organization until he or she leaves-come under the previews of
HRM.specifically, the activities included are HR planning, job analysis and be sign,
recruitment and selection, orientation and placement, training and development,
performance appraisal and job evaluation, employee and executive remuneration,
motivation and communication, welfare, safety and health, industrial relations and the like.

HRM is a broad concept Personnel management and human resource

development is a part of HRM.

Before we define “Human Resource Management”, it seems good to first

define heterogeneous in the sense that they differ in personality, perception, emotions,
values, attitudes, motives, and modes of thoughts.

Human resource management plays an important role in the development

process of modern economy. In fact it is said that all the development comes from
the human mind.

“ Human Resource Management is a process of producing development,

maintaining and controlling human resources for effective achievement of
organization goals.”
 CHAPTER-2
CONCEPT OF STRESS

A lot of research has been conducted into stress over the last hundred years.
Some of the theories behind it are now settled and accepted; others are still being
researched and debated. During this time, there seems to have been something approaching
open warfare between competing theories and definitions: Views have been passionately
held and aggressively defended.

What complicates this is that intuitively we all feel that we know what stress is,
as it is something we have all experienced. A definition should therefore be obvious…
except that it is not.

Definition:

Hans Selye was one of the founding fathers of stress research. His view in 1956
was that “stress is not necessarily something bad – it all depends on how you take it. The
stress of exhilarating, creative successful work is beneficial, while that of failure,
humiliation or infection is detrimental.” Selye believed that the biochemical effects of
stress would be experienced irrespective of whether the situation was positive or negative.

Since then, a great deal of further research has been conducted, and ideas have
moved on. Stress is now viewed as a "bad thing", with a range of harmful biochemical and
long-term effects. These effects have rarely been observed in positive situations.

The most commonly accepted definition of stress (mainly attributed to Richard

S Lazarus) is that stress is a condition or feeling experienced when a person perceives
that “demands exceed the personal and social resources the individual is able to
mobilize.” In short, it's what we feel when we think we've lost control of events.

This is the main definition used by this section of Mind Tools, although we also
recognize that there is an intertwined instinctive stress response to unexpected events. The
stress response inside us is therefore part instinct and part to do with the way we think.
The types of stress are as follows

Mechanical

 Stress (physics), the average amount of force exerted per unit area.
 Yield stress, the stress at which a material begins to deform plastically.
 Compressive stress, the stress applied to materials resulting in their compaction.

Biological

 Stress (biological), physiological or psychological stress; some types include:

o Chronic stress, persistent stress which can lead to illness and mental
disorder
o Eustress, positive stress that can lead to improved long-term functioning
o Workplace stress, stress caused by employment

Music

 Accent (music).
 Stress (band), an early '80s melodic rock band from San Diego.
 Stress (punk band), an early '80s punk rock band from Athens.
 Stress (Neo-Psychedelic band), from the late 1980's.
 Stress, a song by the French band Justice on their debut album

Other

 Stress (game), card game

 Stress (linguistics), phonological use of prominence in language
 Stress (physics), the average amount of force exerted per unit area.

Stress is a measure of the average amount of force exerted per unit area. It is a
measure of the intensity of the total internal forces acting within a body across
imaginary internal surfaces, as a reaction to external applied forces and body forces. It
was introduced into the theory of elasticity by Cauchy around 1822. Stress is a concept
that is based on the concept of continuum. In general, stress is expressed as

Where

Is the average stress, also called engineering or nominal stress, and

Is the force acting over the area .

Chronic Stress

Chronic stress is stress that lasts a long time or occurs frequently. Chronic stress is
potentially damaging.

Symptoms of chronic stress can be:

 upset stomach
 headache
 backache
 insomnia
 anxiety
 depression
 anger

In the most severe cases it can lead to panic attacks or a panic disorder.
There are a variety of methods to control chronic stress, including exercise, healthy diet,
stress management, relaxation techniques, adequate rest, and relaxing hobbies.

Ensuring a healthy diet containing magnesium may help control or eliminate stress, in
those individuals with lower levels of magnesium or those who have a magnesium
deficiency. Chronic stress can also lead to a magnesium deficiency, which can be a factor in
continued chronic stress, and a whole host of other negative medical conditions caused by a
magnesium deficiency.

It has been discovered that there is a huge upsurge in the number of people who suffer from
this condition. A very large number of these new cases suffer from insomnia.

In a review of the scientific literature on the relationship between stress and disease, the
authors found that stress plays a role in triggering or worsening depression and
cardiovascular disease and in speeding the progression of HIV/AIDS.

Compressive stress:

Compressive stress is the stress applied to materials resulting in their compaction

(decrease of volume). When a material is subjected to compressive stress, then this material
is under compression. Usually, compressive stress applied to bars, columns, etc. leads to
shortening.

Loading a structural element or a specimen will increase the compressive stress until the
reach of compressive strength. According to the properties of the material, failure will
occur as yield for materials with ductile behavior (most metals, some soils and plastics) or
as rupture for brittle behavior (geometries, cast iron, glass, etc).

In long, slender structural elements -- such as columns or truss bars -- an increase of

compressive force F leads to structural failure due to buckling at lower stress than the
compressive strength.
Compressive stress has stress units (force per unit area), usually with negative values to
indicate the compaction. However in geotechnical engineering, compressive stress is
represented with positive values.

Stress in Biological terms:

Stress is a biological term which refers to the consequences of the failure of a human or
animal body to respond appropriately to emotional or physical threats to the organism,
whether actual or imagined. It includes a state of alarm and adrenaline production, short-
term resistance as a coping mechanism, and exhaustion. It refers to the inability of a human
or animal body to respond. Common stress symptoms include irritability, muscular tension,
inability to concentrate and a variety of physical reactions, such as headaches and
accelerated heart rate.

The term "stress" was first used by the endocrinologist Hans Selye in the 1930s to identify
physiological responses in laboratory animals. He later broadened and popularized the
concept to include the perceptions and responses of humans trying to adapt to the
challenges of everyday life. In Selye's terminology, "stress" refers to the reaction of the
organism, and "stressor" to the perceived threat. Stress in certain circumstances may be
experienced positively. Eustress, for example, can be an adaptive response prompting the
activation of internal resources to meet challenges and achieve goals.

The term is commonly used by laypersons in a metaphorical rather than literal or biological
sense, as a catch-all for any perceived difficulties in life. It also became a euphemism, a
way of referring to problems and eliciting sympathy without being explicitly confessional,
just "stressed out". It covers a huge range of phenomena from mild irritation to the kind of
severe problems that might result in a real breakdown of health. In popular usage almost
any event or situation between these extremes could be described as stressful.
What is Stress?

Stress refers to the strain from the conflict between our external environment and us,
leading to emotional and physical pressure. In our fast paced world, it is impossible to live
without stress, whether you are a student or a working adult. There is both positive and
negative stress, depending on each individual’s unique perception of the tension between
the two forces. Not all stress is bad. For example, positive stress, also known as eustress,
can help an individual to function at optimal effectiveness and efficiency.

Hence, it is evident that some form of positive stress can add more color and vibrancy to
our lives. The presence of a deadline, for example, can push us to make the most of our
time and produce greater efficiency. It is important to keep this in mind, as stress
management refers to using stress to our advantage, and not on eradicating the presence of
stress in our lives.

On the other hand, negative stress can result in mental and physical strain. The individual
will experience symptoms such as tensions, headaches, irritability and in extreme cases,
heart palpitations. Hence, whilst some stress may be seen as a motivating force, it is
important to manage stress levels so that it does not have an adverse impact on your health
and relationships.

Part of managing your stress levels include learning about how stress can affect you
emotionally and physically, as well as how to identify if you are performing at your optimal
stress level (OSL) or if you are experiencing negative stress. This knowledge will help you
to identify when you need to take a break, or perhaps seek professional help. It is also your
first step towards developing techniques to managing your stress levels.

Modern day stresses can take the form of monetary needs, or emotional frictions.
Competition at work and an increased workload can also cause greater levels of stress.
How do you identify if you are suffering from excessive stress? Psychological symptoms
commonly experienced include insomnia, headaches and an inability to focus. Physical
symptoms take the form of heart palpitations, breathlessness, excessive sweating and
stomachaches.

What causes stress? There are many different causes of stress, and that which causes stress
is also known as a stressor. Common lifestyle stressors include performance, threat, and
bereavement stressors, to name a few. Performance stressors are triggered when an
individual is placed in a situation where he feels a need to excel. This could be during
performance appraisals, lunch with the boss, or giving a speech. Threat stressors are usually
when the current situation poses a dangerous threat, such as an economic downturn, or
from an accident. Lastly, bereavement stressors occur when there is a sense of loss such as
the death of a loved one, or a prized possession.

Thus, there are various stressors, and even more varied methods and techniques of dealing
with stress and turning it to our advantages. In order to do so, we must learn to tell when
we have crossed the line from positive to negative stress.

Good stress v/s Bad stress:

Stress has often been misunderstood to be negative, with few people acknowledging the
importance and usefulness of positive stress. In our everyday lives, stress is everywhere
and definitely unavoidable; hence our emphasis should be on differentiating between what
is good stress, and what is bad. This will help us to learn to cope with negative stress, and
harness the power of positive stress to help us achieve more.

There are 4 main categories of stress, namely eustress, distress, hyper stress and hypo
stress. Negative stress can cause many physical and psychological problems, whilst
positive stress can be very helpful for us. Here’s how we differentiate between them.
Eustress:
this is a positive form of stress, which prepares your mind and body for the imminent
challenges that it has perceived. Eustress is a natural physical reaction by your body which
increases blood flow to your muscles, resulting in a higher heart rate. Athletes before a
competition or perhaps a manager before a major presentation would do well with eustress,
allowing them to derive the inspiration and strength that is needed.

Distress
We are familiar with this word, and know that it is a negative form of stress. This occurs
when the mind and body is unable to cope with changes, and usually occurs when there are
deviations from the norm. They can be categorized into acute stress and chronic stress.
Acute stress is intense, but does not last for long. On the other hand, chronic stress persists
over a long period of time. Trigger events for distress can be a change in job scope or
routine that the person is unable to handle or cope with.

Hyperstress
This is another form of negative stress that occurs when the individual is unable to cope
with the workload. Examples include highly stressful jobs, which require longer working
hours than the individual can handle. If you suspect that you are suffering from hyper
stress, you are likely to have sudden emotional breakdowns over insignificant issues, the
proverbial straws that broke the camel’s back. It is important for you to recognize that your
body needs a break, or you may end up with severe and chronic physical and psychological
reactions.

Hypostress
Lastly, hypo stress occurs when a person has nothing to do with his time and feels
constantly bored and unmotivated. This is due to an insufficient amount of stress; hence
some stress is inevitable and helpful to us. Companies should avoid having workers who
experience hypo stress as this will cause productivity and mindfulness to fall. If the job
scope is boring and repetitive, it would be a good idea to implement some form of job
rotation so that there is always something new to learn.
 The types of stress are named as eustress and distress. Distress is the most
commonly-referred to type of stress, having negative implications, whereas eustress is a
positive form of stress, usually related to desirable events in person's life. Both can be
equally taxing on the body, and are cumulative in nature, depending on a person's way of
adapting to a change that has caused it.

Making A Stress Management PlanZ

So far in this section, we have looked at the Experience, Stress and Stress SWOT.

In this article, we use the self-knowledge you have gained with these techniques to think
about how you can manage stress. By making a stress management plan, you can focus your
attention on the most serious sources of stress in your life, so that you can work on bringing
these under control.

Introducing Your Stress Management Plan

The diagram below shows the stages of the stress management planning process:
We looked at the first stage of this process in our articles on the Schedule of Recent
Experience, Stress Diaries and Stress SWOT. If you have used the tools we discussed, you
should already have a good idea of the most important sources of stress in your life.

List and Prioritize the Sources of Stress In Your Life

The next step is to prioritize these sources of stress so that you can separate the important
stressors that must be dealt with from the minor, infrequent irritations that do not need as
much attention.

Start by writing down a list of the sources of stress that you identified with the Schedule of
Recent Experience. To this list, add the most frequent and serious sources of stress you
identified with your Stress Diary. Finally, add the weaknesses and threats you identified with
Stress SWOT.

Review this consolidated list and redraft it in order with the most important things at the top.
The items at the top of the list should be the most important for you to resolve, while the
ones at the bottom of the list can wait until you have the time to deal with them.
Once you have done this, the next step is to think about how to deal with each source of
stress.

Work out How to Target Each Source of Stress

A good way of doing this is to work through the most important stressors on your list one-
by-one. For each source of stress, work through the Stress Key. This will help you find the
techniques that are most relevant.

Also, think about what you learned about yourself when you used Stress SWOT Analysis.
As part of this, you may have identified people or resources that can help you in managing
stress – co-workers, friends, mentors, team members or many other people, or additional
resource. Make sure that you make appropriate use of all of the help, skills and resources
that you have access to. Also, make a note of the skills that you need to acquire to manage
stress effectively.

And then think through for yourself whether these are the most effective techniques or skills
to use, or whether others may be more appropriate.

Bringing This Together: Your Stress Management Plan

Then, based on this, write down what you are going to do to manage each of the important
sources of stress that you have identified. This is your Stress Management Plan.

As you create your plan, make sure that you do not over-stretch yourself: The last thing you
want is to get stressed-out by failing to meet the timetable of your stress management plan!
Next, make entries into your diary reminding you to review your plan, and keep it fresh in
your mind.

With your plan, you should now have a good idea of what you have to do to manage the
stress in your life. All you now have to do is implement this plan!

Coping with Stress at Work place

With the rapid advancement of technology, the stresses faced at work have also increased.
Many people dread going to work, hence the term “Monday Blues”. What is the reason for
this? There is partly the fear from being retrenched in bad times, leading to greater job
insecurity on the part of those who remain. Undoubtedly, occupational stress is one of the
most commonly cited stressors faced by people all over the world.

Stress refers to the pressure and reactions to our environment which results in
psychological and physical reactions. Whilst some stress is good for motivation and
increasing efficiency, too much stress can result in negative impacts such as reduced
effectiveness and efficiency. More and more people are feeling isolated and disrespected at
work, and this has led to greater occupational stress. Many companies have taken to
consulting experts and professionals on ways to increase connectedness and motivation of
their employees.

Some companies organize parties and make their employees feel valued at work. These are
measures to motivate employees and help them to feel secure at their jobs, translating into
greater productivity. However, not all companies have such measures in place, and some
have not gotten it quite right. Hence, it is up to you to make sure that you can cope with
stress at your workplace, and use it to help you work better. Here are 3 simple steps to help
you with coping with stress in the workplace.

Step 1: Raising Awareness

Help yourself to identify when you are facing rising levels of stress, tipping the scales from
positive to negative. This is important, as being able to identify signs of being stressed can
help you to take steps to ensure that your overall quality of life does not drop. If left
unacknowledged, the problem will only snowball, leading to disastrous consequences to
your health and overall wellbeing.

You can identify if you are feeling stressed by checking if you have any physical or
psychological reactions, such as excessive sweating or heart palpitations, or the onset of
headaches, irritability or the need to escape. If you experience any of these reactions,
identify if you are feeling any overwhelming negative emotions, and if you are constantly
worried.

Step 2: Identify the Cause

You need to be able to analyze the situation and identify what is causing the rise in stress.
These stressors can be external and internal. External stressors refer to things beyond your
control, such as the environment or your colleagues at work. Internal stressors refer to your
own thinking and attitude. Often, we only start reacting to stress when a combination of
stressors working together exceeds our ability to cope.

Keep a diary or a list of events that have caused you to feel strong negative emotions, or
that are likely stressors. This will help you to identify the causes of your stress. Whilst it is
not always possible to eradicate them, we can change the way that we cope with it.

Step 3: Coping with Stress

In order to deal with the situation that is causing you stress, you need to calm your mind
and body so as to stave off the reactions and cope with it in a positive way. This can be
through different methods, such as taking time off. If a situation is triggering your stress
and you are unable to calm down, remove yourself from it. Go outside and take a walk to
calm down. Alternatively, you can try implementing relaxation techniques such as deep
breathing. If it is an internal stressor, stop your thought process until you are able to deal
with it logically.
The key to making these 3 steps work for you is to practice them. These are not
instantaneous solutions, and you need to condition your mind and practice them so that you
can implement it when you are feeling stressed.
 CHAPTER-3

STRESS MANAGEMENT

Stress management is the need of the hour. However hard we try to go beyond a
stress situation, life seems to find new ways of stressing us out and plaguing us with
anxiety attacks. Moreover, be it our anxiety, mind-body exhaustion or our erring attitudes,
we tend to overlook causes of stress and the conditions triggered by those. In such
unsettling moments we often forget that stressors, if not escapable, are fairly manageable
and treatable.

Stress, either quick or constant, can induce risky body-mind disorders. Immediate disorders
such as dizzy spells, anxiety attacks, tension, sleeplessness, nervousness and muscle
cramps can all result in chronic health problems. They may also affect our immune,
cardiovascular and nervous systems and lead individuals to habitual addictions, which are
inter-linked with stress.

Like "stress reactions", "relaxation responses" and stress management

techniques are some of the body's important built-in response systems. As a relaxation
response the body tries to get back balance in its homeostasis. Some hormones released
during the 'fight or flight' situation prompt the body to replace the lost carbohydrates and
fats, and restore the energy level. The knotted nerves, tightened muscles and an exhausted
mind crave for looseness. Unfortunately, today, we don't get relaxing and soothing
situations without asking. To be relaxed we have to strive to create such situations.
Recognizing a stressor:
It is important to recognize whether you are under stress or out of it. Many times, even if
we are under the influence of a stressful condition and our body reacts to it internally as
well as externally, we fail to realize that we are reacting under stress. This also happens
when the causes of stress are there long enough for us to get habituated to them. The body
constantly tries to tell us through symptoms such as rapid palpitation, dizzy spells, tight
muscles or various body aches that something is wrong. It is important to remain attentive
to such symptoms and to learn to cope
with the situations.

We cope better with stressful situation, when we encounter them voluntarily. In cases of
relocation, promotion or layoff, adventurous sports or having a baby, we tend to respond
positively under stress. But, when we are compelled into such situations against our will or
knowledge, more often than not, we wilt at the face of unknown and imagined threats. For
instance, stress may mount when one is
coerced into undertaking some work against one's will.

Laughter:

Adopting a humorous view towards life's situations can take the edge off everyday
stressors. Not being too serious or in a constant alert mode helps maintain the equanimity
of mind and promote clear thinking. Being able to laugh stress away is
the smartest way to ward off its effects.

A sense of humor also allows us to perceive and appreciate the incongruities of life and
provides moments of delight. The emotions we experience directly affect our immune
system. The positive emotions can create neurochemical changes that buffer the
immunosuppressive effects of stress.

During stress, the adrenal gland releases corticosteroids, which are converted to cortical in
the blood stream. These have an immunosuppressive effect. Dr. Lee Berk and fellow
researcher Dr. Stanley Tan at Loma Linda University School of Medicine have produced
carefully controlled studies showing that the experience of laughter lowers serum cortical
levels, increases the amount and activity of T lymphocytes—the natural killer cells.
Laughter also increases the number of T cells that have suppresser receptors.

What Laughter Can Do Against Stress And Its Effects?

• Laughter lowers blood pressure and reduces hypertension.

• It provides good cardiac conditioning especially for those who are unable to perform
physical exercise.

• Reduces stress hormones (studies shows, laughter induces reduction of at least four of
neuroendocrine hormones—epinephrine, cortical, dopac, and growth hormone, associated
with stress response).

• Laughter cleanses the lungs and body tissues of accumulated stale air as it empties more
air than it takes in. It is beneficial for patients suffering from emphysema and other
respiratory ailments.

• It increases muscle flexion, relaxation and fluent blood circulation in body.

• Boosts immune function by raising levels of infection-fighting T-cells, disease-fighting
proteins called Gamma-interferon and disease-destroying antibodies called B-cells.
• Laughter triggers the release of endorphins—body's natural painkillers.

• Produces a general sense of well-being.

Workplace Stress

Workplace stress is the harmful physical and emotional response that occurs when there is
a poor match between job demands and the capabilities, resources, or needs of the worker.
Stress-related disorders encompass a broad array of conditions, including psychological
disorders (e.g., depression, anxiety, post-traumatic stress disorder) and other types of
emotional strain (e.g., dissatisfaction, fatigue, tension, etc.), maladaptive behaviors (e.g.,
aggression, substance abuse), and cognitive impairment (e.g., concentration and memory
problems). In turn, these conditions may lead to poor work performance or even injury. Job
stress is also associated with various biological reactions that may lead ultimately to
compromised health, such as cardiovascular disease.

Stress is a prevalent and costly problem in today's workplace. About one-third of workers
report high levels of stress. One-quarter of employees view their jobs as the number one
stressor in their lives. Three-quarters of employees believe the worker has more on-the-job
stress than a generation ago. Evidence also suggests that stress is the major cause of
turnover in organizations.

Health and Healthcare Utilization

Problems at work are more strongly associated with health complaints than are any other
life stressor-more so than even financial problems or family problems. Many studies
suggest that psychologically demanding jobs that allow employees little control over the
work process increase the risk of cardiovascular disease. On the basis of research by the
National Institute for Occupational Safety and Health and many other organizations, it is
widely believed that job stress increases the risk for development of back and upper-
extremity musculoskeletal disorders. High levels of stress are associated with substantial
increases in health service utilization. Workers who report experiencing stress at work also
show excessive health care utilization. In a 1998 study of 46,000 workers, health care costs
were nearly 50% greater for workers reporting high levels of stress in comparison to “low
risk” workers. The increment rose to nearly 150%, an increase of more than $1,700 per
person annually, for workers reporting high levels of both stress and depression.
Additionally, periods of disability due to job stress tend to be much longer than disability
periods for other occupational injuries and illnesses.

Causes of Workplace Stress

Job stress results from the interaction of the worker and the conditions of work. Views
differ on the importance of worker characteristics versus working conditions as the primary
cause of job stress. The differing viewpoints suggest different ways to prevent stress at
work. According to one school of thought, differences in individual characteristics such as
personality and coping skills are most important in predicting whether certain job
conditions will result in stress-in other words, what is stressful for one person may not be a
problem for someone else. This viewpoint leads to prevention strategies that focus on
workers and ways to help them cope with demanding job conditions. Although the
importance of individual differences cannot be ignored, scientific evidence suggests that
certain working conditions are stressful to most people. Such evidence argues for a greater
emphasis on working conditions as the key source of job stress, and for job redesign as a
primary prevention strategy. Personal interview surveys of working conditions, including
conditions recognized as risk factors for job stress, were conducted in Member States of the
European Union in 1990, 1995, and 2000. Results showed a trend across these periods
suggestive of increasing work intensity. In 1990, the percentage of workers reporting that
they worked at high speeds at least one-fourth of their working time was 48%, increasing to
54% in 1995 and to 56% in 2000. Similarly, 50% of workers reported they work against
tight deadlines at least one-fourth of their working time in 1990, increasing to 56% in 1995
and 60 % in 2000. However, no change was noted in the period 1995–2000 (data not
collected in 1990) in the percentage of workers reporting sufficient time to complete tasks.
A substantial percentage of Americans work very long hours. By one estimate, more than
26% of men and more than 11% of women worked 50 hours per week or more in 2000.
These figures represent a considerable increase over the previous three decades, especially
for women. According to the Department of Labor, there has been an upward trend in hours
worked among employed women, an increase in extended work weeks (>40 hours) by men,
and a considerable increase in combined working hours among working couples,
particularly couples with young children.
Signs of Workplace Stress

Mood and sleep disturbances, upset stomach and headache, and disturbed relationships
with family; friends and girlfriends or boyfriends are examples of stress-related problems.
The effects of job stress on chronic diseases are more difficult to see because chronic
diseases take a long time to develop and can be influenced by many factors other than
stress. Nonetheless, evidence is rapidly accumulating to suggest that stress plays an
important role in several types of chronic health problems-especially cardiovascular
disease, musculoskeletal disorders, and psychological disorders.

Prevention

A combination of organizational change and stress management is often the most useful
approach for preventing stress at work.

How to Change the Organization to Prevent Job Stress

 Ensure that the workload is in line with workers' capabilities and resources.
 Design jobs to provide meaning, stimulation, and opportunities for workers to use
their skills.
 Clearly define workers' roles and responsibilities.
 Give workers opportunities to participate in decisions and actions affecting their
jobs.
 Improve communications-reduce uncertainty about career development and future
employment prospects.
 Provide opportunities for social interaction among workers.
 Establish work schedules that are compatible with demands and responsibilities
outside the job.
 Discrimination inside the workplace. (e.g. nationality and language )

St. Paul Fire and Marine Insurance Company conducted several studies on the effects of
stress prevention programs in hospital settings. Program activities included (1) employee
and management education on job stress, (2) changes in hospital policies and procedures to
reduce organizational sources of stress, and (3) establishment of employee assistance
programs. In one study, the frequency of medication errors declined by 50% after
prevention activities was implemented in a 700-bed hospital. In a second study, there was a
70% reduction in malpractice claims in 22 hospitals that implemented stress prevention
activities. In contrast, there was no reduction in claims in a matched group of 22 hospitals
that did not implement stress prevention activities.

Reduce your stress

1. Job analysis: - We have all experienced that appalling sense of having far too much
work to do and too little time to do it in. We can choose to ignore this, and work
unreasonably long hours to stay on top of our workload. The risks here are that we become
exhausted, that we have so much to do that we do a poor quality job and that we neglect
other areas of our life. Each of these can lead to intense stress.
The alternative is to work more intelligently, by focusing on the things that are important
for job success and reducing the time we spend on low priority tasks. Job Analysis is the
first step in doing this.

The first of the action-oriented skills that we look at is Job Analysis. Job Analysis is a key
technique for managing job overload – an important source of stress.
To do an excellent job, you need to fully understand what is expected of you. While this
may seem obvious, in the hurly-burly of a new, fast-moving, high-pressure role, it is
oftentimes something that is easy to overlook.
By understanding the priorities in your job, and what constitutes success within it, you can
focus on these activities and minimize work on other tasks as much as possible. This helps
you get the greatest return from the work you do, and keep your workload under control.
Job Analysis is a useful technique for getting a firm grip on what really is important in your
job so that you are able to perform excellently. It helps you to cut through clutter and
distraction to get to the heart of what you need to do.
2. Rational & positive thinking: -
You are thinking negatively when you fear the future, put yourself down, criticize yourself
for errors, doubt your abilities, or expect failure. Negative thinking damages confidence,
harms performance and paralyzes mental skills.
Unfortunately, negative thoughts tend to flit into our consciousness, do their damage and
flit back out again, with their significance having barely been noticed. Since we barely
realize that they were there, we do not challenge them properly, which means that they can
be completely incorrect and wrong.
Thought Awareness is the process by which you observe your thoughts and become aware
of what is going through your head.
One approach to it is to observe your "stream of consciousness" as you think about the
thing you're trying to achieve which is stressful. Do not suppress any thoughts. Instead, just
let them run their course while you watch them, and write them down on our free
worksheet as they occur. Then let them go.

Another more general approach to Thought Awareness comes with logging stress in your
Stress Diary. When you analyze your diary at the end of the period, you should be able to
see the most common and the most damaging thoughts. Tackle these as a priority using the
techniques below.
Here are some typical negative thoughts you might experience when preparing to give a
major presentation:

 Fear about the quality of your performance or of problems that may interfere with
it;

 Worry about how the audience (especially important people in it like your boss) or
the press may react to you;
 Dwelling on the negative consequences of a poor performance; or
 Self-criticism over a less-than-perfect rehearsal.

Thought awareness is the first step in the process of managing negative thoughts, as you
cannot manage thoughts that you are unaware of.
Rational Thinking

The next step in dealing with negative thinking is to challenge the negative thoughts that
you identified using the Thought Awareness technique. Look at every thought you wrote
down and challenge it rationally. Ask yourself whether the thought is reasonable. What
evidence is there for and against the thought? Would your colleagues and mentors agree or
disagree with it?
Looking at the examples, the following challenges could be made to the negative thoughts
we identified earlier:

 Feelings of inadequacy: Have you trained yourself as well as you reasonably

should have? Do you have the experience and resources you need to make the
presentation? Have you planned, prepared and rehearsed enough? If you have done
all of these, you've done as much as you can to give a good performance.

 Worries about performance during rehearsal: If some of your practice was less
than perfect, then remind yourself that the purpose of the practice is to identify
areas for improvement, so that these can be sorted out before the performance.
 Problems with issues outside your control: Have you identified the risks of these
things happening, and have you taken steps to reduce the likelihood of them
happening or their impact if they do? What will you do if they occur? And what do
you need others to do for you?
 Worry about other people's reactions: If you have prepared well, and you do the
best you can, then you should be satisfied. If you perform as well as you reasonably
can, then fair people are likely to respond well. If people are not fair, the best thing
to do is ignore their comments and rise above them. When you challenge negative
thoughts rationally, you should be able to see quickly whether the thoughts are
wrong or whether they have some substance to them. Where there is some
substance, take appropriate action. However, make sure that your negative thoughts
are genuinely important to achieving your goals, and don't just reflect a lack of
experience, which everyone has to go through at some stage.
Positive Thinking & Opportunity Seeking

By now, you should already be feeling more positive. The final step is to prepare rational,
positive thoughts and affirmations to counter any remaining negativity. It can also be useful
to look at the situation and see if there are any useful opportunities that are offered by it.
By basing your affirmations on the clear, rational assessments of facts that you made using
Rational Thinking, you can use them to undo the damage that negative thinking may have
done to your self-confidence.
Continuing the examples above, positive affirmations might be:

 Problems during practice: "I have learned from my rehearsals. This has put me in
a position where I can deliver a great performance. I am going to perform well and
enjoy the event."

 Worries about performance: "I have prepared well and rehearsed thoroughly. I am
well positioned to give an excellent performance."
 Problems issues outside your control: "I have thought through everything that
might reasonably happen and have planned how I can handle all likely
contingencies. I am very well placed to react flexibly to events."
 Worry about other people's reaction: "Fair people will react well to a good
performance. I will rise above any unfair criticism in a mature and professional
way." If appropriate, write these affirmations down on your worksheet so that you
can use them when you need them.

As well as allowing you to structure useful affirmations, part of Positive Thinking is to look
at opportunities that the situation might offer to you. In the examples above, successfully
overcoming the situations causing the original negative thinking will open up opportunities.

CHAPTER-4
 Employees Opinion About How to Reduce Stress

This project consist of the information about the employees undergoing from
stress who working in the banks. So considering this factor this topic becomes one of the
most important part of the project as it consists of the opinion of the employees who work
in the banks. In short it was a direct interview of the employees who gave their opinion
about how to reduce stress. The response of employees in the major banks of Kurukshetra
like ICICI Bank, AXIS Bank, and The HDFC bank were marvelous and they have given
their valuable opinion about reducing stress as a result of the last question included in the
questionnaire. So the opinion if the employees were as follows:

 “Just smile away” An employee- ICICI Bank

 “Just believe in your self and just do what your heart wants” An employee- HDFC
Bank
 -“Talking to family members, - Watching TV or listening good music, - Going for a
walk or long drive” An employee- ICICI Bank
 “Believe in God” An employee- HDFC Bank
 “Respect yourself and give time to yourself” An employee- HDFC Bank
 “Working in environment welfares, lot of positive attitude. Positive attitude is only
that reduces stress and achieves success. Most of the people frustrate due to lack of
positivity and stress level climbs up due to that. So get positive attitude about work,
about life, and forget the stress” An employee- AXIS Bank
 “We should do such activities from which we get happiness and also make others
happy. Pass your time with your close friends and relatives.” An employee- AXIS
Bank
 “Play and watch cricket” An employee- AXIS Bank
 These opinions are seemed to be valuable and effective as one of the effective
things has been noticed that the employees who have got less than 18 marks in the Burnout
test have given their opinions about reducing the stress.

It is also noticed that in the AXIS bank Kurukshetra the time of afternoon slow
instrumental music are been played so that the employees can work stress free. This is one
of the positive things which are seen in the organization who is caring for their employees.
This will help the organization to boost up the productivity.

From the certain sample of employees selected for the research, only 10
employees have given their opinion how to reduce stress. So we can understand that how
overloaded the employees of the bank are.
 Chapter-5

Research Methodology

Research means to gain knowledge on a particular topic and it is the art of scientific
investigation.

Research Methodology is a process to the solve the research problem. The

research begin its formation when the problem or objective of the research is
identified for which a research project is conducted. The main objective of the research
focuses on STUDY OF STRESS MANAGEMENT IN PRIVATE BANKING
SECTOR will help the company to increase its Goodwill, which is prime objective of
the company at this time. The research attempts to generate awareness among the
people.

Research Objective

Stress is a dynamic condition in which an individual is confronted with an

opportunity, demand or resource related to what the individual desires and for which the
outcome is perceived to be both uncertain and important. There are following objective of
the study

 To study about the behavior of the bank employee under stress.

 To study what type of stress arising in banks.

 To study about the collogue opinion about the stressed employee.

 To study how they remove the stress.

RESEARCH DESIGN
Research design is a framework or the blue print for conducting the research project.
Research design is the arrangement of conditions for collection and analysis of data in a
manner that aims to combine relevance to the research purpose with economy in procedure.
It includes an outline of what the researcher will do from writing the hypothesis and its
operational implications to the final analysis of data.
Basically there are 3 types of approaches used during the any research:

1. Exploratory

2. Descriptive

3. Experimental.

During this research Descriptive and Exploratory approach is taken into consideration

because of the availability of relevant information to describe the relationships between the

marketing problem and the available information.

STEPS OF METHODOLOGY

COLLECTION OF DATA
ORGANIZATION OF DATA
PRESENTATION OF DATA
ANALYSIS OF DATA

INTERPRETATION OF DATA

TYPES OF RESEARCH DESIGN

 Exploratory research design

 Descriptive research design

 Experimental research design

EXPLORATORY RESEARCH DESIGN

It is also termed as formulative research design. The main purpose of the study is to
formulate a problem for more precise investigation.
DESCRIPTIVE RESEARCH DESIGN
In descriptive research design, those studies are taken which are concerned with describing
the characteristics of a particular individual or a group.
EXPERIMENTAL RESEARCH DESIGN
In this casual relationships between the variables are tested. It is also known as hypothesis
testing research design.
The present project is exploratory in nature. The main objective of the exploratory research
design is to define the problem into researchable one and transformation of discovered
problem into defined one. So the data is being adjusted according to the need.

Sample: I have taken the sample of 100 employees from three different banks of
Kurukshetra.

Reason: As we find the employees of the bank to be more stressful as more and more
employees are taking VRS and are dismissed because of inflation. I have selected only
those three banks which are affiliated to the public and are specialized in consumer needs
fulfillment.

It is incumbent on the researcher to clearly define the target population. There

are no strict rules to follow, and the researcher must rely on logic and judgment. The
population is defined in keeping with the objectives of the study.
Sometimes, the entire population will be sufficiently small, and the researcher can include
the entire population in the study. This type of research is called a census study because
data is gathered on every member of the population.
Usually, the population is too large for the researcher to attempt to survey all of its
members. A small, but carefully chosen sample can be used to represent the population.
The sample reflects the characteristics of the population from which it is drawn.
Sampling methods are classified as either probability or non probability. In
probability samples, each member of the population has a known non-zero probability of
being selected. Probability methods include random sampling, systematic sampling, and
stratified sampling. In non probability sampling, members are selected from the population
in some nonrandom manner. These include convenience sampling, judgment sampling,
quota sampling, and snowball sampling. The advantage of probability sampling is that
sampling error can be calculated. Sampling error is the degree to which a sample might
differ from the population. When inferring to the population, results are reported plus or
minus the sampling error. In non probability sampling, the degree to which the sample
differs from the population remains unknown.

 Random sampling is the purest form of probability sampling. Each member

of the population has an equal and known chance of being selected. When
there are very large populations, it is often difficult or impossible to identify
every member of the population, so the pool of available subjects becomes
biased.

 Systematic sampling is often used instead of random sampling. It is also

called an Nth name selection technique. After the required sample size has been
calculated, every Nth record is selected from a list of population members. As
long as the list does not contain any hidden order, this sampling method is as
good as the random sampling method. Its only advantage over the random
sampling technique is simplicity. Systematic sampling is frequently used to
select a specified number of records from a computer file.

 Stratified sampling is commonly used probability method that is superior to

random sampling because it reduces sampling error. A stratum is a subset of
the population that shares at least one common characteristic. The researcher
first identifies the relevant stratums and their actual representation in the
population. Random sampling is then used to select subjects from each
stratum until the number of subjects in that stratum is proportional to its
frequency in the population. Stratified sampling is often used when one or
 more of the stratums in the population have a low incidence relative to the
other stratums.
 Convenience sampling is used in exploratory research where the researcher is
interested in getting an inexpensive approximation of the truth. As the name
implies, the sample is selected because they are convenient. This non-
probability method is often used during preliminary research efforts to get a
gross estimate of the results, without incurring the cost or time required to
select a random sample.

 Judgment sampling is a common non-probability method. The researcher

selects the sample based on judgment. This is usually and extension of
convenience sampling. For example, a researcher may decide to draw the
entire sample from one "representative" city, even though the population
includes all cities. When using this method, the researcher must be confident
that the chosen sample is truly representative of the entire population.
 Quota sampling is the non-probability equivalent of stratified sampling. Like
stratified sampling, the researcher first identifies the stratums and their
proportions as they are represented in the population. Then convenience or
judgment sampling is used to select the required number of subjects from each
stratum. This differs from stratified sampling, where the stratums are filled by
random sampling.
 Snowball sampling is a special non-probability method used when the
desired sample characteristic is rare. It may be extremely difficult or cost
prohibitive to locate respondents in these situations. Snowball sampling relies
on referrals from initial subjects to generate additional subjects. While this
technique can dramatically lower search costs, it comes at the expense of
introducing bias because the technique itself reduces the likelihood that the
sample will represent a good cross section from the population.

Questionnaire.
 It is considered as the heart of survey operations and therefore should be very carefully
constructed. It consists of a number of questions printed or typed in a definite order which
is filled by the respondents on their own. A good questionnaire should be comparatively
short and simple and the sequence shall be from easy the difficult ones. Questionnaires
have many positive features like:
a) They are economical.
b) They are free from the biasness of the interviewers.
c) Respondents have adequate time to give well thought to their answers.
d) Respondents can be reached conveniently

Limitations of the study

 The questionnaires were filled be 100 employees working in the three major Banks of
Kurukshetra like ICICI bank, Axis Bank, HDFC Bank. So the scope of sample findings
was less.
 The questionnaire was filled by 100 employees. So the point of view of employees differs
as per their designations.
 The employees from whom the questionnaires are filled are in a heavy workload so some
of the questionnaires filled by the employees who are in stress cannot be called
reasonable.
 One of the other problems of questionnaire is the cost. Some times it may be possible that
even by spending so much the result may not be reasonable.
 Many a times the employees may not be really conscious or may not be bothered about
the questionnaire. This may create a problem in the research.

CHAPTER-6
 Data Analysis and Interpretations

1. Are you satisfied with the performance you give at your work?

Yes No No response

77 23 0

From the diagram it is clear that 77 % of the employees are satisfied with the performance
they give in the work while 23 % of the employees are not satisfied.

2. Do you think that you are suffering from depression?

 Yes No No response

20 80 0

20 % of the employee feel that they are suffering from depression while 80 % of the
employee feel that that they are free from the depression

3. Do you worry about your colleague's opinion about you?

 Yes No No response

26 74 0

26% of the employees worry about their colleague’s opinion about them while 74% of the
employees are not concern with the opinion about their colleague.

4. Do you discuss your problem with your spouse or friend or any other close to you?
 Yes No No response

91 9 0

91% of the employees of the bank discuss their problem and share their feelings with their
spouse or friends or others while 9 % of the employee is not concerned with it.

5. Do you work more than 8 hours?

 Yes No No response

89 11 0

89% of the employees work for more than 8 hours which is the starting point of the stress
while 11 % of the employees don’t work for more than 8 hours.

6. You have an important function at your home and your boss asks to give a 4 hour
over time, what will be your response?
 Yes No No response

40 54 6

Yes No No response

57 43 0

40 % of the employees are proved to be work dedicated and they are ready to miss the
important function at their house while 54 % of the employees said no and 6 % of the
employee did not gave any answer.

7. Do you regularly spend time for entertainment?

 Yes No No response

54 40 6

57% of the employee spent regular time on entertainment which helps us to remain stress
free while 43 % of the employees don’t do that.

8. Is your social life balanced?

54 % of the employees find their social life to be balanced while 40 % of the employees
don’t have their social life balanced. 6% of the employees remain silent.

9. Do you plan your work before doing?

Yes No No response

89 11 0
 Yes No No response

63 37 0

It is a good habit to plan the work you do. 89 % of the employees plan their work before
doing while 11 % of the employees don’t plan their work.

10. Do you fear about the quality of your performance?

 Yes No No response

3 97 0

63% of the employees fear the quality of performance which they give while 37 % of the
employees don’t fear the quality of their work.

11. Are you a heart patient?

Here 23 % of the employees are heart patient which is partially the result of stress

12. Do you get tensed at your non achievement of your target?

Yes No No response

71 29 0
71% of the employees get tensed at the non achievement of the target while 29 % of the
employees work casually.

13. Do you feeling stress some times?

Yes No No response

80 17 3
80% of the employees feel stressed sometimes while 17 % of the employees are not feeling
stressed. 3 % of the employees did not respond.

If the answer of the above question is ‘Yes’ then answer the following:
a) Is the reason of your stress your work load?

Yes No No response

57 26 17
 Yes No No response

40 40 20

57% of the employees find themselves to be stressed by their work over load. 26 % of the
employees are not stressed because of the work overload. 17 % of the employees did not
answer.

b) Are you stressed because of your family problems?

 Yes No No response

40 % of 20 51 29 the

employees are stressed because of their family problems 40% by other problems while 20%
of the employees did not responded.

c) Do you get stressed when your boss scolds you?

20% of the employee did not responded when they were asked weather their get stressed
because of the scolding of their boss. 51% of the employees don’t get stress because of the

Yes No No response

69 16 15

scolding of their boss. 29 % of the employees get stressed because of the scolding of their
boss

d) Do you try to find any solution for the problem of your stress?

16%

Yes
15%
No
69% No response
69 % of the employees try to find the solution of their stress.

e) (IF YES) Do you practice yoga or any other ayurvedic therapy for reducing
stress?

Yes No No response

31 51 18
31% of the employees try the yoga and other ayurvedic techniques to reduce their stress
while 51 % of the employees use other techniques to reduce stress

Chapter-7

Findings

It is analyzed from the questionnaire filled by the employees that the

employees who are not satisfied with the performance which they give in the organization.
Thus it is proved that the employees who are desired to give better performance than their
original performance are found more stressful than the others. While at the same time the
employees are satisfied with the performance. From the sample of 100 bank employees I
have been surveyed, one is found to be a heart patient. This can be because of high level of
stress.

1. Questionnaire one of the questions was “You have an important function at your home
and your boss asks to give a 4 hour over time what will be your response ‘Yes or No’?” the
employees have given their opinion as per their mood.

2. While considering the point of view of entertainment it depends upon the mood of the
employees.

3. Most of the employees do not spend regular time in entertainment. This may be because
they may not be getting time for entertainment or they may not be interested in the same.

4. One of the questions was asked that were their social life balanced? It is observed that
the employees who did not have their social life balanced..

5. The employees were asked weather they plan their work or not, moderate answers were
given. The employees were not found their work planned.

6. Failure of a plan may also lead a person to stress. Thus we can conclude that planning of
the work may help to reduce stress level.

7. Most of the employees who have fear about their quality of work they give. This aspect
is not dependent of the burnout level. This aspect depends upon the dedication of work.

8. A question was asked that weather you get stressed at the non-achievement of their
target?
9. All the employees have responded positively. One of the other possibilities is that the
employees have responded positively to show themselves to be good.
10. Out of 100 employees of the sample 57 of the employees accepted that the reason for
their stress is workload.

11. 40 employees are not stressed because of the workload but because of their family
problem.

12. 20 employees out of 100 employees who are stressed feel stressful when their boss
scolds them while 51 employees refused that they are not stressed because their boss scolds
them.
13 All the 69 employees have accepted that they try to find the solution of their stress.
14. 31 employees out of 100 employees practice yoga to reduce their stress and the other 51
employees don’t practice yoga.
Thus we can conclude that the employees have reduced their stress by yoga therapy and
other employees have just started the yoga because of high level of burnout\
The above analysis is done by the data received from the questionnaire. So the
accuracy of data depends upon the response of the employees.

CHAPTER-8

Suggestions
It is analyzed from the questionnaire filled by the employees that the employees who
are not satisfied with the performance which they give in the organization. Thus it is
proved that the employees who are desired to give better performance than their
original performance are found more stressful than the others. While at the same time
the employees are satisfied with the performance.
  The entertainment should be considered one of the most ultimate solutions to
reduce stress.

 The employees should be found their work planned. Planning of the work may help
to reduce stress level.

 This aspect depends upon the dedication of work.

 Other possibilities should be that the employees have responded positively to show
themselves to be good

 The employees should be reduced their stress by yoga therapy and other employees
should just started the yoga
.
 Data should be depends upon the response of the employees.

Conclusion

Many researchers underestimate the time required to complete a research

project. The following form may be used as an initial checklist in developing time
estimates. The best advice is to be generous with your time estimates. Things almost
always take longer than we think they should.

This checklist contains two time estimates for each task. The first one (Hours) is
your best estimate of the actual number of hours required to complete the task. The second
one (Duration) is the amount of time that will pass until the task is completed. Sometimes
these are the same and sometimes they are different. Most researchers and business-people
have to divide their time among many projects. They simply cannot give all their time to
any one project. For example, my estimate of goal clarification may be four hours, but
other commitments allow me to spend only two hours a day on this study. My "hours"
estimate is four hours, and my "duration" estimate is two days.

To arrive at your final time estimates, add the individual estimates. The hours
estimate is used for budget planning and the duration estimate is used to develop a project
time line.

BIBILIOGRAPHY

1. BOOKS :
 Prasad L M.. Human Resource Management
 Bhattacharya k.Dipak. Human Resource Management
 Ashwathapa K. Human Resource Management
 Robbins P Stephen. Organizational Behavior “
E-MAILS

http;//www.icicibank.com

. http;//www.hdfcbank.com

. http;//www.axixbank.com

http;//www.google.com

No Questions Yes No

1 Are you satisfied with the performance you give at your work?

2 Do you think that you are suffering from depression?

3 Do you worry about your colleague's opinion about you?

Do you discuss your problem with your spouse or friend or any
4
other close to you?

5
Do you work more than 8 hours?
You have an important function at your home and your boss asks to
6
give a 4 hour over time, what will be your response?
7
Do you regularly spend time for entertainment?

8
Is your social life balanced?

9 Do you plan your work before doing?

10
Do you fear about the quality of your performance?

11
Are you a heart patient?

12 Do you get tensed at your non achievement of your target?

13
Do you feeling stress some times?
If the answer of the above question is Yes then answer the
following:

a)
Is the reason of your stress your work load?

b) Are you stressed because of your family problems?

c) Do you get stressed when your boss scolds You?

d) Do you try to find any solution for the problem of your stress?
(IF YES) Do you practice yoga or any other ayurvedic therapy for
e)
reducing stress?
Questionnaire