PROJECT REPORT MBA/BBA/B Com

 

PROJECT REPORT ON “CUSTOMER SATISFACTION TOWARDS RELIANCE MUTUAL FUNDS”

1.1 INDUSTRY PROFILE

 Introduction

A mutual represents a vehicle for collective investment. Till 1986, the Unit Trust of India was the only mutual fund in India. Since then public sector banks and insurance companies have been allowed to set up subsidiaries to undertake mutual fund business. So, State Bank of India, Canara Bank, LIC, GIC, and a few other public sector banks entered the mutual fund industry.

 In 1992, the mutual fund industry was opened to the private sector, and a number of private sector mutual funds such as Birla Mutual Fund, DSP Merrill Lynch Mutual Fund, Kotak Mahindra Mutual Fund, Morgan Stanley Mutual Fund, Tata Mutual Fund, Prudential ICICI Mutual Fund, Reliance Mutual Fund, Standard Chartered Mutual Fund, Templeton Mutual Fund, IDBI- Principal Mutual Fund have been set up. The process of consolidation began in recent years.

 At present, there are about 30 mutual funds managing nearly 1000 schemes. While the mutual fund industry in India has registered a healthy growth over the last 15 years, it is still very small in relation to other intermediaries like banks and insurance companies. Mutual funds are one of the best investments ever created because they are very cost-efficient and very easy to invest in. by pooling money together in a mutual fund, investors can purchase stocks or bonds with much lower trading costs than if they tried to do it on their own. But the biggest advantage of mutual funds is diversification.

 The mutual fund industry in India started in 1963 with the formation of Unit Trust of India, at the initiative of the Government of India and Reserve Bank of India. The history of mutual funds in India can be broadly divided into four distinct phases

 First Phase - 1964-1987

 Unit Trust of India (UTI) was established in 1963 by an Act of Parliament. It was set up by the Reserve Bank of India and functioned under the Regulatory and administrative control of the Reserve Bank of India. In 1978 UTI was de-linked from the RBI and the Industrial Development Bank of India (IDBI) took over the regulatory and administrative control in place of RBI. The first scheme launched by UTI was Unit Scheme 1964. At the end of 1988, UTIs had Rs. 6,700 crores of assets under management.

Second Phase - 1987-1993 (Entry of Public Sector Funds)

1987 marked the entry of non-UTI, public sector mutual funds set up by public sector banks and Life Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC). SBI Mutual Fund was the first non-UTI Mutual Fund established in June 1987 followed by

Can bank Mutual Fund (Dec 87), Punjab National Bank Mutual Fund (Aug 89), Indian Bank Mutual Fund (Nov 89), Bank of India (Jun 90), Bank of Baroda Mutual Fund (Oct 92). LIC

 

Third Phase - 1993-2003 (Entry of Private Sector Funds)

With the entry of private sector funds in 1993, a new era started in the Indian mutual fund industry, giving the Indian investors a wider choice of fund families. Also, 1993 was the year in which the first Mutual Fund Regulations came into being, under which all mutual funds, except UTI, were to be registered and governed. The erstwhile Kothari Pioneer (now merged with Franklin Templeton) was the first private sector mutual fund registered in July 1993.

 The 1993 SEBI (Mutual Fund) Regulations were substituted by a more comprehensive and revised Mutual Fund Regulations in 1996. The industry now functions under the SEBI (Mutual Fund) Regulations 1996.

The number of mutual fund houses went on increasing, with many foreign mutual funds setting up funds in India, and also the industry has witnessed several mergers and acquisitions. As of the end of January 2003, there were 33 mutual funds with total assets of Rs. 1, 21,805 crores. The Unit Trust of India with Rs. 44,541 crores of assets under management was way ahead of other mutual funds.

Fourth Phase - since February 2003

In February 2003, following the repeal of the Unit Trust of India Act 1963 UTI was bifurcated into two separate entities. One is the Specified Undertaking of the Unit Trust of India with assets under management of Rs. 29,835 crores as of the end of January 2003, representing broadly, the assets of the US 64 scheme, assured return, and certain other schemes. The Specified Undertaking of Unit Trust of India, functions under an administrator and under the rules framed by the Government of India and does not come under the purview of the Mutual Fund Regulations.

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 A PROJECT REPORT ON “CUSTOMER PERCEPTION TOWARD ONLINE BANKING OF SBI AT SOLAN” 

Customer perception

Different customers may perceive one and the same product or service in different ways. A customer’s perception of an offering may even deviate from what the producer or service provider or marketer had intended. This may cause serious problems in today’s attention economy. Everybody is exposed to more and more diverse information than ever before. It is hard enough for an offering to get a potential customer’s attention at all. If the customer’s perception of this offering is an unfavorable one, it probably will not get a second chance to make a better impression. 

DEFINITIONS 

Ø      Customer perception refers to how customers view a certain product based on their own conclusions. These conclusions are derived from a number of factors, such as price and overall experience.

Ø      Customer perception refers to the process by which a customer selects, organizes, and interprets information/stimuli inputs to create a meaningful picture of the brand or the product.

Ø      Customer perception is typically affected by advertising, reviews, public relations, social media, personal experiences, and other channels.

 

ONLINE BANKING

Online banking,  also known as internet banking, e-banking, or virtual banking,   is an electronic payment system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution's website. The online banking system will typically connect to or be part of the core banking system operated by a bank and is in contrast to branch banking which was the traditional way customers accessed banking services.

To access a financial institution's online banking facility, a customer with internet access would need to register with the institution for the service, and set up a password and other credentials for customer verification.

DEFINITION 

Online banking allows a user to execute financial transactions via the internet. Online banking is also known as "internet banking" or "web banking." An online bank offers customers just about every service traditionally available through a local branch, including deposits, which are done online or through the mail, and online bill payment

HOW IT WORKS

Most banks offer customers the option of online banking. Customers are able to access all of their accounts through an internet connection using the bank's own website or a commercial software package such as Quicken or Money.

Online banking allows customers to monitor accounts,   download transactions, transfer funds between accounts, including checking, saving, and money market/CD accounts, manage investments, and handle loan activity, including applications and repayments. Clients can transfer funds to their bank accounts, and pay bills either electronically (with an account transfer) or by having the bank issue paper checks directly to the payee.

Banks have set up security systems to ensure that transactions conducted online are protected from internet security threats. Most banks use industry-standard Secure Transaction software and protocol to manage the security of their systems. 

WHY IT MATTERS

Online banking has made personal and business banking faster, more efficient, and safer.

 

HISTORY

First online banking services in the United States

Online banking was first introduced in the early 1980s in New York, United States. Four major banks — Citibank, Chase Manhattan, Chemical Bank, and Manufacturers Hanover — offered home banking services. Chemical introduced its Pronto services for individuals and small businesses in 1983, which enabled individual and small-business clients to maintain electronic checkbook registers, see account balances, and transfer funds between checking and savings accounts. Pronto failed to attract enough customers to break even and was abandoned in 1989. Other banks had a similar experience.

 

First online banking in the United Kingdom

Almost simultaneously with the United States, online banking arrived in the United Kingdom. The UK's first home online banking service known as the Home link was set up by the Bank of Scotland for customers of the Nottingham Building Society (NBS) in 1983. The system used was based on the UK's Prestel view link system and used a computer, such as the BBC Micro, or keyboard (TandataTd1400) connected to the telephone system and television set. The system allowed on-line viewing of statements, bank transfers, and bill payments.

 In order to make bank transfers and bill payments, a written instruction giving details of the intended recipient had to be sent to the NBS who set the details up on the Home link system. Typical recipients were gas, electricity, and telephone companies and account with other banks. Details of payments to be made were input into the NBS system by the account holder via Prestel. A cheque was then sent by NBS to the payee and advice-giving details of the payment were sent to the account holder. BACS was later used to transfer the payment directly.

Stanford Federal Credit Union was the first financial institution to offer online internet banking services to all of its members in October 1994.

Banks and the World Wide Web

Around 1994, banks saw the rising popularity of the internet as an opportunity to advertise their services. Initially, they used the internet as another brochure, without interaction with the customer. Early sites featured pictures of the bank's officers or buildings and provided customers with maps of branches and ATM locations, phone numbers to call for further information, and simple listings of products. For more project reports please visit below: 

 

A PROJECT REPORT ON “A STUDY ON EMPLOYEE WELFARE AT MERIDIAN ENTERPRISES PVT.LTD” 

INTRODUCTION 

Concept of Employee

Welfare, Definitions   

Scope   of   Employee

Welfare Work

Employee Welfare Funds

RESEARCH METHODOLOGY

Need of the study

Scope of the study

Objectives of the study

Research design

Data collection

Tools use for study

Limitations of the study

DATA ANALYSIS AND INTERPRETATION

SUMMARY

CONCLUSION

SUGGESTIONS 

QUESTIONNAIRE

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 Project Report on “A STUDY ON E-RECRUITMENT: FROM THE PERSPECTIVE OF JOB APPLICANTS 

Introduction

Introduction E-Recruitment

Definition of E-recruitment

Features of E-Recruitment

Features of E-Recruitment

Benefits & uses of E-Recruitment

Use of job portals

Online career options on the organization‟s sites

Model of E-Recruitment process

Tools of E-Recruitment

Recent trends in E-recruitment

E-Recruitment Challenges

Advantages & Disadvantages of E-Recruitment

Research Methodology

Meaning of Research Methodology

Need of the study

Objectives of the study

Scope of the study

Research Design

Sample Design

Data Collections

Tools for the Study

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A PROJECT REPORT ON ABSENTEEISM OF EMPLOYEES IN HOTEL MARIGOLD SAROVAR PORTICO, MASHOBRA (SHIMLA)

CONCEPTUAL FRAMEWORK

Measurement of Absenteeism:

Peculiar features of absenteeism


Absenteeism - Types & Their Control
Counselling Innocent Absenteeism
Corrective Action for Culpable Absenteeism
Need for the Study
Research Objectives
Research Methodology
Sampling Technique
Limitations of the Study
ANALYSIS OF DATA BIBLIOGRAPHY

Types of absenteeism

Causes of Absenteeism:

Effects of absenteeism on industrial progress

Suggestions and Recommendation

Conclusions

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PROJECT REPORT ON ANALYSIS OF MUTUAL FUNDS AT SOLAN 

introduction to Mutual Funds

Types of Mutual Funds

History of Mutual Funds

Advantages of Mutual Funds

Disadvantages of Investing through Mutual Funds

Major Mutual Funds companies in India

Types of Mutual Funds Scheme

RESEARCH METHODOLOGY (Exam Studies) 

Meaning of Research Methodology

Need of the Study

Scope of the Study

The objective of the Study

Research Design (Exam Studies) 

Sources of Data, Sample Design

Statistical Tools for Analysis

Limitation of the Study

DATA ANALYSIS AND INTERPRETATION

FINDINGS, CONCLUSION, AND SUGGESTIONS

ANNEXURE

Bibliography

Questionnaire

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A PROJECT REPORT ON “BANKING SYSTEM IN INDIA”

The banking system in India

Introduction

Chart showing banking system

Reserve Bank of India

Banking services

Asset-based/fund-based services

Fees based services

Technological developments & banking

E-banking

Level of services

Factor promoting e-banking

RBI guidelines for e-banking

Requirements to make e

Banking successful 

The risk attached to e-banking

Research Methodology

Introduction

Need of study

Objective of study

Scope of study

Research design

Data collection method

Sampling plan

Tools & techniques used

Limitations

Difficulties faced during research

Data analyses and interpretation

Summary, Conclusions &

suggestions

Bibliography 

Questionnaire (Exam Studies) 

 

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TO STUDY ON “CUSTOMER RELATIONSHIP MANAGEMENT” AT LUDHIANA (P.B)

I.           INTRODUCTION

Introduction to the Project

Introduction to Customer Behavior

Overview of the industry

PRESENT ORGANISATION

Overview of Ludhiana Plant

CSR Activities of Avon Cycles Charity

Achievement Of Avon Cycles

Competitors Information

SWOT ANALYSIS OF AVON CYCLES LIMITED

RESEARCH  METHODOLOGY

The objective of the Study

Scope  of Study

Objective of  CRM

Data Collection

Sampling

Sampling Unit

Importance of Customer Relationship Management

Managerial Usefulness of the Study

Misunderstanding of Customer Relationship Management

Data Analysis & Interpretation

Finding, Suggestions, and Conclusion

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A PROJECT REPORT ON ‘‘CUSTOMER SATISFACTION TOWARDS

J&K BANK WITH REFERENCE TO CAR LOANS’’

What is Marketing?

Marketing is the process by means which goods and services are exchanged and their value determined in terms of money. It is that phase of business activities through which human wants are satisfied by the exchange of goods and services.

According to American Marketing Association, Marketing is the process of planning and executing the conception, pricing, promotion, and distribution of ideas, goods, and services to create an exchange that satisfies individual and organizational objectives.

Marketing Management

Marketing management represents marketing concept in action i.e. pre-planned demand management under customer-oriented marketing philosophy.

It can be defined as the process of planning and executing the conception, pricing, promotion, and distribution of goods, services, and ideas to create an exchange with target groups that satisfy customers and organizational objectives.

Marketing Mix Determination

The marketing mix is the set of marketing tools that the firm uses to pursue its marketing objectives in the target market. It can be defined as a set of controllable variables that a firm can use to influence the buyer’s response within a given target market. The marketer has to take a series of decisions on four major ingredients frequently referred to as the marketing mix variables. Product, price, place, and promotion. However, there are other P’s which affect the market situation e.g. marketing mix tools that the firm uses to pursue packing, pride, political clout, persistence, public relation prestige, etc.

 Profile of J&K Bank

Prelude

The J&K Bank was incorporated on October 1^st, 1938 commended business on July 4^th, 1939. From a small beginning, the bank has grown to become a giant with a wide network of branches spread over the length and breadth of India. A significant contributing factor to this fast growth is the solid founding principles, which are dedicated to the cause of transforming the bank not only as a financial heart but also as a social heart of the community.

The J&K Bank is the first state-owned Bank in the country and 53% of the equity is held by the Govt. of J&K. The Bank has a consistent track record of growth and profitability. It has a unique distinction of being a banker to the J&K State Govt. and has also been appointed by RBI as its agency in J&K, responsible for carrying out general banking business of the central Govt. and collection of taxes pertaining to the Central Board of Direct Taxes.

The landmark achievements in the diversification of the Bank's functions include the sponsoring of the two Regional Rural Banks viz, Kamraz Rural Bank and Jammu Rural Bank; permission for dealing in foreign exchange, holding the lead bank responsibilities in eight of the fourteen districts in J&K.

Nearly 350 branches have been either partly or fully computerized covering 90% of the total business of the bank. The bank has already installed around 130 ATMs at vital installations in the country. The ATMs are interconnected and thus provide the customer convenient and 24-hour banking facilities. Bank also introduced the Global Access Card in collaboration with MasterCard international, thus increasing the acceptability of cards to all maestro locations throughout the globe. Bank has also commissioned anywhere banking facilities at more than 103 branches throughout the country. The bank has already made available the EFT and E-mail facilities at all of its computerized branches and also Tele-banking facilities at most of these branches.

Presently the bank is the fastest growing bank in India with a network of more than 500 branches spread across the country offering world-class banking products/services to the masses.

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A PROJECT REPORT ON “DIGITAL BANKING-A NEW DRIFT IN BANKING PRACTICES OF AXIS BANK

INTRODUCTION TO THE BANK

ABOUT INDUSTRY 

“Banking is the aggregate of functions, directed at providing services to satisfy customer financial (and other related) needs and wants, more effectively and efficiently than the competitor, keeping in view the organizational objectives of the bank” Marketing is an essential attribute to Retail Banking in order to lure customers and convince them that your Bank offers the best product and services. It majorly governs how the financial institution would grow, increase its profitability, and devote more energy to innovation while they are preoccupied with a mountain of regulations and compliance issues. Bank Marketing aims at creating and garnering more and more customers and retaining them by means of impeccable customer service. As per the Reserve Bank of India (RBI), India’s banking sector is sufficiently capitalized and well-regulated. The financial and economic conditions in the country are far superior to any other country in the world. Credit, market, and liquidity risk studies suggest that Indian banks are generally resilient and have withstood the global downturn well. The Indian banking industry has recently witnessed the rollout of innovative banking models like payments and small finance banks. RBI’s new measures may go a long way in helping the restructuring of the domestic banking industry. The digital payments system in India has evolved the most among 25 countries with India’s Immediate Payment Service (IMPS) being the only system at level five in the Faster Payments Innovation Index (FPII).

ABOUT COMPANY 

Axis Bank is the third-largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture, and Retail Businesses.

The Bank has a large footprint of 4,400 domestic branches (including extension counters) with 17,801 ATMs & 4,917 cash recyclers spread across the country as of 31st March 2020. The overseas operations of the Bank are spread over eleven international offices with branches in Singapore, Hong Kong, Dubai (at the DIFC), Colombo, Shanghai, and Gift City-IBU; representative offices in Dhaka, Dubai, Abu Dhabi, Sharjah, and an overseas subsidiary at London, UK. The international offices focus on corporate lending, trade finance, syndication, and investment banking and liability businesses.

The Bank has strengths in both retail and corporate banking and is committed to adopting the best industry practices internationally in order to achieve excellence.

Axis Bank offers an entire spectrum of financial services to large and mid-size corporate, SME, and retail businesses.

•  Retail Banking:

In the retail banking category, the bank offers services such as lending to individuals/ small businesses subject to the orientation, product, and granularity criterion, along with the liability products, card services, Internet Banking, automated teller machines (ATM) services, depository, financial advisory services, and Non-Resident Indian (NRI) services. Axis Bank is also a participant in the RBI’s NEFT-enabled participating banks list.

•  Corporate Banking Credit:

The Bank offers various loan and fee-based products and services to Large and Mid-corporate customers and Small and Medium Enterprise (SME) businesses. These products and services include cash credit facilities, demand and short-term loans, project finance, export credit, factoring, channel financing, structured products, discounting of bills, documentary credits, guarantees, foreign exchange, and derivative products. Liability products including current accounts, certificates of deposits, and time deposits are also offered to large and mid-corporate segments.

RESEARCH METHODOLOGY

Research methodology is considered the nerve of the project. Without a properly well-organized research plan, it is impossible to complete the project and reach any conclusion. The project has been based on the survey plan. The main objective of the survey will be to collect appropriate data, which works as a base for drawing conclusions and getting results.

Therefore, research methodology is the way to systematically solve the research problem. Research methodology not only talks of the methods but also the logic behind the methods used in the context of a research study and it explains by a particular method has been used in the performance of the other methods.

 NEED OF THE STUDY 

After conducting a review of research done by various professionals a gap has been identified. The researchers studied the aspects of internet banking, its introduction, history, its development, adoption by the customers' perception about this service, its success, and security-related issues.

 OBJECTIVES OF THE STUDY

The current study was undertaken to achieve the following stated objectives:

·    To analyze awareness among customers using net banking services

·    To know about Net Banking services provided by Axis Bank

·    To know the cause why customers are using or not using Net Banking services

·    To the confidence of the customers of Axis Bank in using these services

·    To study the popularity of the net banking service among the customers of Axis Bank

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A PROJECT REPORT ON THE STUDY OF “EMPLOYEE RETENTION” AT “MAHINDRA HOLIDAYS RESORT INDIA LMT ( KANDAGHAT)”

Introduction of Employees retention

Importance of retaining employees

Three Rs of employee retention

Employee retention wheel

Ways to retain employees

Myths about employees more

Factors affecting employee retention

Company profile

Vision and mission

Introduction of Employees retention

Importance of retaining employees

Three Rs of employee retention

Kei”s employee retention wheel

Ways to retain employees

Myths about employee morale

Factors affecting employee retention

Company profile

Vision and mission

RESEARCH METHODOLOGY

Introduction of research methodology

Need of the study

Objective of study

Scope of the study

Research design

Sample design

Data collection

Limitation of the study

Analysis instrument

Data Analysis and Interpretations

Conclutions and suggestions

Annexure

Bibliography

Questionnaire

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A REPORT ON “FINANCIAL ASSESSMENT AT MAHINDRA”

INTRODUCTION OF MAHINDRA FINANCE MAHINDRA FINANCE

INTERPRETATION

FINDING AND CONCLUSION

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