Vipul Deshmukh

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A

Project Report On

AComparative Analysis Of Saving Accounts In

Axis Bank Limited With Other Banks

[SBI AND HDFC]

Submitted By

Vipul M. DeshmukhBBA - IIIrd

Session 2014-15

Under The Guidance

Prof. MayurTrivedi

Department Of Management Studies

Shankarlal Agrawal College Of Management Studies

Suryatola, Gondia


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SHANKARLAL AGRAWAL COLLEGE OFMANAGEMENT STUDIES, SURYATOLA, GONDIA

ertificate

This is to certify that Mr. Vipul M. Deshmukh is a bonafied

student of BBA final year in the Shankarlal Agrawal College of

Management Studies Suryatola, Gondia for the session 2014-15. He

has completed his entitled

A Comparative Analysis Of Saving Accounts In Axis Bank

Limited With Other Banks [SBI AND HDFC]

under the guidance of Prof. MayurTrivedi

This dissertation is being submitted to R.T.M Nagpur University

for the Graduate degree in Bachelor of Business Administration.

Date: Prof.

MayurTrivedi

(Head of the Department)


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CERTIF ICATE OF GUIDE

This is to certify that Mr. Vipul M. Deshmukh is a student of

B.B.A final year in the department ofBachelor of Business

Administration S.A.C.M.S College, Gondia. Has completed his project

work entitled A Comparative Analysis Of Saving Accounts In Axis

Bank Limited With Other Banks [SBI AND HDFC]Under my guidance

The candidate has satisfactory conducted research for not less

than academic year.

The project is the result of the candidates own work and is of

sufficiently high standard to warrant its presentation to the

R.T.M. Nagpur University in partial fulfillment of the

requirement of degree of Bachelor of Business Administration.

Project Guide -

Prof. MayurTrivedi


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DECLARATION

I hereby declare that this project work, entitled A Comparative

Analysis Of Saving Accounts In Axis Bank Limited With Other Banks

[SBI AND HDFC]is the result of my own work under the guidance of

Prof. MayurTrivedi.

I am student of B.B.A f inal year at ShankarlalAgrawal College

of Management Study Sur yatola, Gondia.This is original report repaired by me and it has never been

submitted prior to this for the award of any other degree or diploma.

Mr. Vipul M. Deshmukh

Dept. of Bachelor of

Business Administration

S.A.C.M .S College,Gondia.


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Acknowledgement

I am using this opportunity to express my gratitude to

everyone who supported me throughout the course of this

BBA project A Comparative Analysis Of Saving Accounts In Axis

Bank Limited With Other Banks [SBI AND HDFC]am thankful for

their aspiring guidance, invaluably constructive criticism and

friendly advice during the project work. I am sincerely

grateful to them for sharing their truthful and illuminating

views on a number of issues related to the project.

I am highly indebted to Mr. MayurTrivedifor their

guidance and constant supervision as well as for providing

necessary information regarding the project & also for their

support in completing the project.

I tried my best to enlighten the whole topic in this

project and taken almost care to avoid errors.

Mr. Vipul M. Deshmukh


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Introduction

Company Profile

Objective of the study

Findings

Data Analysis

Research And Methodology

Limitation of the study

Hypothesis

Conclusion

Suggestion

Bibliography


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INTRODUCTION


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Savings accounts are accounts maintained by retail

financial institutions that pay interest but cannot be used directly as

money in the narrow sense of a medium of exchange (for example, by

writing a cheque). These accounts let customers set aside a portion of

their liquid assets while earning a monetary return. For the bank, money

in a savings accounts may not be callable immediately and in some

jurisdictions, does not incur a reserve requirement, freeing up cash from

the banks vault to be lent out with interest.

The other major type of accounts is deposit account are transactional

account (checking account or current account by country), money

market account, and the time deposit. To open a savings account,

simply go down to your local bank with proper identification and ask to

open an account.

Because saving accounts almost pay lower interest rates than Treasury

bills and certificates of deposit, they should not be used for long-term

holding period. Their main advantages are liquidity and superior rates

compared to checking accounts. Most modern savings accounts offer

access to funds through visit to a local branch, over the interest and

through automated teller machines.

The topicA Comparative Analysis Of Saving Accounts In Axis Bank

Limited With Other Banks [SBI AND HDFC] Is basically concerned about the

saving product offered by AXIS BANK. Bank provides various kinds of

saving account for different segments of people, according to the current


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requirements and demand of the customers. Every saving products is

designed so well that it contains all the important features and services

according to the current scenario for the people, which obviously very

easily attracting customers to deal at least once with the ban. Apart from

this, my area of work also includes to compare these saving accounts

provided by AXIS BANK with other private banks and government banks

i.e. HDFC BANK and STATE BANK OF INDIA


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Company Profile

Axis bank is the third largest private sector bank in India. Axis

entire spectrum of financial services to customer segments covering

large and Mid-Corporates, MSME, Agriculture and Retail Businesses.

INTERNATIONAL BUSINESS

The Bank has a large footprint of 2402 domestic branches

(including extension counters) and 12,922 ATMs spread across the

country as on 31st March 2014. The overseas operations of the Bank are

spread over its seven international offices with branches at Singapore,

Hong Kong, DIFC, (Dubai International Financial Centre), Colombo and

Shanghai and representative offices at Dubai and Abu Dhabi. During the

year, the bank has upgraded its representative office in Shaghai, China

to a branch to become the first Indian private sector bank set up a


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branch in China. During the year, the Banks overseas subsidiary

namely Axis Bank UK Ltd. commenced banking operations

Traded as

BSE:532215

LSE:AXBC

NSE:AXISBANK

Industry Banking,Financial services

Founded 1994 (as UTI Bank)

Headquarters Mumbai,Maharashtra,India

Key peopleDr. Sanjiv Mishra (Chairman)

Shikha Sharma (MD & CEO)

Products

Credit cards,consumer banking,corporate

banking,finance and insurance,investment

banking,mortgage loans,private banking,

private equity,wealth management

Revenue 340 billion (US$5.3 billion) (2012)[2][3]

Operating

income 94 billion (US$1.5 billion) (2012)

Net income 52 billion (US$820 million) (2012)

Total assets 3.4 trillion (US$53 billion) (2012)

Employees 42,420 (on 31-March-2014)

Website www.axisbank.com
http://en.wikipedia.org/wiki/Ticker_symbolhttp://en.wikipedia.org/wiki/Bombay_Stock_Exchangehttp://www.bseindia.com/stock-share-price/x/y/532215/http://en.wikipedia.org/wiki/London_Stock_Exchangehttp://www.londonstockexchange.com/exchange/prices-and-news/stocks/prices-search/stock-prices-search.html?nameCode=AXBChttp://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttp://www.nseindia.com/marketinfo/companyinfo/companysearch.jsp?cons=AXISBANK&section=7http://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Mumbaihttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Shikha_Sharmahttp://en.wikipedia.org/wiki/Chief_executive_officerhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Axis_Bank#cite_note-bse-532215-2http://en.wikipedia.org/wiki/Axis_Bank#cite_note-bse-532215-2http://en.wikipedia.org/wiki/Axis_Bank#cite_note-bse-532215-2http://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Assethttp://www.axisbank.com/http://www.axisbank.com/http://en.wikipedia.org/wiki/Indian_rupeehttp://en.wikipedia.org/wiki/Indian_rupeehttp://en.wikipedia.org/wiki/Indian_rupeehttp://en.wikipedia.org/wiki/Indian_rupeehttp://en.wikipedia.org/wiki/File:AXISBank_Logo.svghttp://www.axisbank.com/http://en.wikipedia.org/wiki/Assethttp://en.wikipedia.org/wiki/Net_incomehttp://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/Earnings_before_interest_and_taxeshttp://en.wikipedia.org/wiki/Axis_Bank#cite_note-bse-532215-2http://en.wikipedia.org/wiki/Axis_Bank#cite_note-bse-532215-2http://en.wikipedia.org/wiki/Wealth_managementhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_bankinghttp://en.wikipedia.org/wiki/Mortgage_loanhttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Investment_bankinghttp://en.wikipedia.org/wiki/Financial_serviceshttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Retail_bankinghttp://en.wikipedia.org/wiki/Chief_executive_officerhttp://en.wikipedia.org/wiki/Shikha_Sharmahttp://en.wikipedia.org/wiki/Maharashtrahttp://en.wikipedia.org/wiki/Mumbaihttp://en.wikipedia.org/wiki/Financial_serviceshttp://www.nseindia.com/marketinfo/companyinfo/companysearch.jsp?cons=AXISBANK&section=7http://en.wikipedia.org/wiki/National_Stock_Exchange_of_Indiahttp://www.londonstockexchange.com/exchange/prices-and-news/stocks/prices-search/stock-prices-search.html?nameCode=AXBChttp://en.wikipedia.org/wiki/London_Stock_Exchangehttp://www.bseindia.com/stock-share-price/x/y/532215/http://en.wikipedia.org/wiki/Bombay_Stock_Exchangehttp://en.wikipedia.org/wiki/Ticker_symbol


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HISTORYAxis Bank is one of the first new generation

private sector banks to have begun operations in1994. The Bank was

promoted in 1993, jointly bu Specified Undertaking of Unit Trust of India

(SUUTI) (then known asUnit Trust of India), Life Insurance Corporation of

India (LIC), General Insurance Corporation of India (GIC), National

Insurance

Company Ltd., The New India Assurance Company Ltd., The Oriental

Insurance Company Ltd. and United India Insurance Company Ltd. The

shareholding of Unit Trust of India was subsequently transferred to

SUUTI, an entity established in 2003.

With a balance sheet size of Rs.3,83,245 Crores a

on 31st March 2014, Axis Bank has achied consistent growthand stable

asset quality with a 5 year CAGR (2010-2014) of 21% in Total Asset,

19% in Total Deposits, 23% in Total Advances and 28% in Net Proffit.


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Brand Ambassador

Deepika Padukone, well-known Bollywood Actress was appointedas

the brand ambassador of Axis Bank.

Registered Office

The registered office of Axis Bank is located at:-

Trishul, 3rd Floor,

Opposite Samartheshwar Temple,

Near Law Garden, Ellisbridge,

Ahmedabad, Gujrat - 380006

Axis Bank Limited (Axis Bank) offers a broad range of retail &

corporate banking products and services in India. The bank was earlier

known as UTI Bank Limited. Axis bank offers banking and financial

services in India. The companys services and Brands include the

following:

Services:

Personal Banking:

Accounts

Deposits

Loans

Cards

Investments


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Insurance

Payments

Other Services

Corporate Banking:

Accounts

Credit

Capital Market

Cash Management Services

Govt Business

NRI servi ces:

Accounts

Deposits

Remittances

COMPETITORS OF AXIS BANK L IMITED

Central bank of India

Corporation bank

HDFC bank limited

ICICI bank limited

State bank of India

Union bank of India

Bank of Baroda


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Objectives of the Study

To study the Saving Accounts Policy followed by Axis Bank Ltd.

To compare the Savings Account Policy with other private banks.

Consumer awareness about the products and services provided by the

axis bank.

Consumer preference about various products and services.

Customers perception towards private Banking and their

expectations from private banks.

Customer satisfaction with the service provided by the bank.


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SAVING PRODUCTS OF AXIS BANK

PRIME SAVING ACCOUNT

Axis Bank has always strived to pace their products with the growing

needs of the customers. The Prime Saving account has therefore been

created with the customers specific financial requirements in mind.

WIDER ACCESSIBIL ITY

As a Prime Saving account holder, customers enjoy access to a wide

network of over825 branches and one of the largest ATM networks (3595

ATMs) in India giving them easy access to their account from almost any

corner of the country.


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PRIME SAVING ACCOUNT : FEATURES

At Par Cheque Facility with an enhanced limit upto Rs. 1,00,000

Free 6 cash withdrawal transactions per quarter at other bank

ATM's

Free monthly statement of account

Free DD/PO (drawn on Axis Bank Centers)

Free Passbook

Access through more than 671 offices & 2764 ATMs

24*7 Telebanking, Internet banking and Mobile Banking.

*Condi t ions Apply


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PRIME SAVING ACCOUNT : DOCUMENTATION

To open Prime Saving Account with Axis Bank, you just need toprovide:

An account opening form duly filled.

2 Latest passport size colour photographs

.

Photo proof of identity PAN card, passport, Driving License or A

letter from the Bank Manager verifying identity, signature and address

along with a self signed cheque

.

Proof of residence like recent electricity bills or telephone bills or

credit card statements

.

The account opening form can be collected from the branch or can

be down loaded. The duly filled account opening form along with the

relevant document scan be submitted at the branch.


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SENIOR PRIVILEGE ACCOUNT

Because life begins at sixty

Axis Bank's Senior Citizen Saving Account has been designed

keeping in mind the fact that a senior citizen's banking requirements are

wholly different

and require special consideration.

SENIOR PRIVILEGE: FEATURES

BANKING PRIVILEGES

Dedicated Relat ionship Managers :

Free Monthly Statement of Ac cou nts/Free Passboo k

Faster Credits to Foreign Cheques

Anyw here Banking

Tele-banking

Free Mobile Banking

I-Connect:.

Complim entary Financial Planning:


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SENIOR PRIVILEGE: ELIGIBILITY

You can avail of a Senior Citizen Saving Account subject to the

following criteria

Person should be a Indian Resident

Age as on date of account opening should be greater than or equal

to 60 years.

* Condition Apply

EASY ACCESS SAVING ACCOUNT

Banking made easy

Presenting, Axis Bank's Easy Access Saving Account. The account is

an endeavour by the Bank to understand the consumers' needs and

redefine banking to suit the requirements for a truly comfortable banking

experience. Easy Access Saving Account gives customers instant

access to their money anywhere, anytime. Possessing a range of

unmatched features, it has been devised to better suit the convenience

of banks client base.

Customers can avail of all these services with a minimum quarterly

average balance of Rs. 5,000 in metro or urban centers, Rs. 2,500 in

semi urban centers and Rs. 1,000 in rural centers.


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EASY ACCESS SAVING ACCOUNT : FEATURES

At Par Cheque Book

ATM Network

Anywhere Banking

Tele-banking

I-Connect

Mobile Banking

Account Statement

Quarterly Interest

ZERO BALANCE SAVING ACCOUNT

Save at Zero

Presenting, Axis Bank's Zero Balance Saving Account. At Axis Bank it

has been their constant endeavour to create products specifically

catering to customers needs. The account while offering a whole range

of services also addresses customers latent need of having an account

without the hassle of maintaining an average quarterly balance.


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FEATURES :

No Average Quarterly Balance requirement

Free International Debit Card with an Accidental Insurance cover

up to Rs. 2 lakhs* (charges for the primary holder are waived)

Free mobile banking facility

Access through more than 825 branches and more than 3595

ATMs

At-Par cheque facility with the clearing limit of Rs 50,000

24x7 Tele-banking & Internet banking

Free quarterly statements

*Condi t ions Apply

1). Initial funding of Rs. 5,500.

2). Account maintenance fee of Rs. 500 per annum

DOCUMENTATIONS

An Account Opening Form duly filled

One latest passport size photograph


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Initial cheque of Rs 5,500

Photo identity proof like PAN card, Passport, Driving License or Voters

card

Proof of residence like recent utility bill or bank account/credit card

statement.

Any two of the following documents:

Latest Post paid mobile bill with a minimum bill payment of Rs.1,000

Minimum Net Salary Rs. 20,000 or other bank account statement with

minimum day end balance of Rs 25,000

Frequent Flyer Card or Customer Loyalty Card (any of the

renowned retail chain)

Proof of owning a house

Latest paid landline phone bill of Rs. 1,500/- or higher

Professionals (Doctors, CA/CS/Cost Accountant, and Architect) need to

submit any one of the above document along with proof of profession.

KRISHI SAVING ACCOUNT

Khet i Ho Khushhal i Ki

Axis Bank offers a unique saving account which is easy to operate and

transact immediately. This product has been specially designed keeping

in mind the unique requirements of a farmer and true to its nature has

been called the Krishi Saving Account.


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KRISHI SAVING ACCOUNT: FEATURES

Average Balance RequirementThis account is offered with the requirement of maintaining the half-

yearly average balance of Rs 1000 only.

Internation al Master Debit Card

The Krishi Saving Account entitles customers to an International

Master Debit

Card with which they can access their account anytime through the

Axis Bank

ATM network free of cost. This card comes with:

A cash withdrawal limit of Rs 25,000 per day

Free Accident Insurance cover of Rs 2 lacs

Anyw here Banking

Being a Krishi account holder, customers are entitled to access wide

network of

more than 700 branches and 3000 ATMs across 440 cities. They can

now easily carry out their transactions through any of the branches or

ATMs.

At Par Cheque Book

Krishi Saving Account comes with the At-Par Cheque facility. This

facility

enables customers to encash the cheques as local instruments at any

of the 440centres where the Bank has its presence, at no extra cost.


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Moreover, customers can also issue cheques at other centres up to the

limit of Rs 50,000.

*Condi t ions App ly

DOCUMENTATION:

The KYC documentat ion required wou ld be as under:

The document should contain the name, photograph, residential

address and the approximate period of residence by the customer at

the given address.

.

The letter should not be more than one month old and the public

official /government servant should affix his rubber stamp and

signature on the letter.

The letter should have a provision for further certification by the

public official / government servant wherever the address of the

customer is being changed.

Krishi Saving Account should be opened only for farmers. Hence

the customers are required to submit a document supporting his/her

occupation. This document can be any of the following:

Certificate from the Village Administrative Officer or Patwari

Land document


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The account opening form can be collected from the branch or can be

downloaded. The duly filled account opening form along with the relevant

documents can be submitted at the branch.


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Data Analysis

SOURCE OF DATA

Primary source

Secondary source

SAMPLE SIZE

The sample size I took for this research is 50(x2).

Primary data: The data which are collected at first hand either by the

researcher or by someone else especially for the purpose of the study

are known as Primary Data.

Thus for the research I have collected the data from:

Observation

Survey

Secondary data:Any data which have been gathered earlier for some

other purpose are secondary data. Most of the data in this research is

primary since my report was of exploratory type although some

secondary data have been also use through:

Websites

Miscellaneous reports


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Internal experts

DATA COLLECTION

1) If given an option, which bank will you prefer to deal with as a

customer?

Among the total customers, 36% customers are in favor of SBI.

These customers prefer to deal with SBI, the reason being it is a public

bank and it is located in every nook and corner of the city.

The second preference of the customers is Axis bank, 31%

customers favor this bank for banking activity. Thus giving tough

competition to SBI. 22% customers are in favor of HDFC Bank. Bank of

Baroda, Standard chartered and Karnataka bank are also preferred by

some customers.

4% 4% 3%

31%

22%

36%

0%

5%

10%

15%

20%

25%

30%

35%

40%

bank of

baroda

standard

charted

a bank axis bank hdfc bank sbi

PREFER TO DEAL

DEALING


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2) In terms of saving bank account opening, which bank would you

prefer?

Among the total customers, 34% customers are in favour of SBI. The

customers prefer this bank because its charges are less than the other

banks. 30% customers prefer Axis bank due to the efficient level of

services provided by this bank which attracts customers.25% customers

are totally loyal to the HDFC bank. BOB, Standard Chartered,

ICICI and Allahabad bank are also preferred by some customers.

30%

4%

25%

2%

34%

3% 2%

0%

5%

10%

15%

20%

25%

30%

35%

40%

Preference in terms Saving Bank Accuont

Saving Bank Accuont


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3) What are the services you use of bank, in saving account?

ATM/debit card is most preferred by the customers.45% customers

are in favour of this service. Thus, ATM maintenance charges should be

kept optimum and cash withdrawal/deposits also be made more

convenient to the customers. The second preference of the customers is

cheque book at par.32% customers prefer to use this service provided

by the bank in saving account. The next preference is internet banking.

Thus more and more facilities and services should be inculcate by the

bank in internet banking for making it more attractive to the

customers.8% customers use mobile banking.

Relationship manager and door step banking are also preferred by

few customers.

45%

10%

32%

8%1% 4%

0%

5%

10%

15%20%

25%

30%

35%

40%

45%

50%

Preference of use of service in saving A/C

service in saving accuont


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5) Which banks ATM you use the most, for cash withdrawal?

Among the total no. of customers, 36% customers said that they use

Axis banks ATM the most for cash withdrawal because its location

covers almost all the areas of the city. The next preference is HDFCBank and 26% customers said that they use HDFC banksATM because

they are convenient with it. The third preference is SBI and 22% people

are in favour of this bank. The reason being it is a public bank. 6% are

totally loyal to their existing ICICI bank. PNB, BOB and Standard

chartered are also preferred by some customers.

36%

26%

22%

4%

2%

6%

4%

0%

5%

10%

15%

20%

25%

30%

35%

40%

Axis Bank HDFC SBI BOB Standard

charted

ICICI PNB

Using ATM

ATM


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Findings

People prefer to deal with SBI the most than other banks, the

reason being it is a public bank and it is located in every nook and corner

of the city.

According to analysis that majority of people are in favour of public

banks in terms of charges, the reason is their blind faith upon these banks

regarding charges.

According to analysis, majority of people agreed that only public

banks provide the zero balance account facility to low income level group

of customers and in private banks one has to maintain an average

quarterly balance.

Majority of customers use net banking only for making bill

payments. Thus, they do not avail other services offered in net banking.

Most of the customers believe, Private Banks provide better

customer services than public banks just to attract more and more

customers.

Public banks do mass banking and private banks do class

banking.


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HypothesisA hypothesis is a tentative statement about the relationship

between two or more variables.

From the above data analysis of capital budgeting of bank of

India, some points are observed, collected & predicted.

I have to observed that Axis Bank maintain their Saving

Accounts by using some processes

There are some services which are provided regarding the

Saving accounts.

Provide better customer service.

If the management should make a careful decisions whether a

particular project is economically acceptable and within the

specified limits of investments to be made during a specified

period of time then it should be effective for organizations.


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Limitations

1) The study was based on a very modest sample size, hence

cannot be called as a representation of the views and opinion of

the majority.

2) The conclusion arrived at are based on very less observation.

Positive performance of working capital will reflect on the

financial health.


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Conclusion

The topic A DETAILED ANALYSIS OF SAVING ACCOUNT IN AXIS

BANK LTD. AND ITS COMPARISON WITH OTHER BANKS [ SBI AND

HDFC ]is basically concerned about the saving products offered by

AXIS BANK. I have gone through these entire saving product, theirfeatures and services during my research. I have also compared these

saving products of Axis Banks with HDFC Bank ANDSTATE BANK OF

INDIA. This comparison includes some common basis of differentiation

through which evaluation has been done. I have also used a

QUESTIONNAIRE for comparative analysis, which has been filled by the

customers just to know what they think about the banks services and

facilities given to them. I have found very interesting results from the

research.


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Suggestions

The most important threat which appears in Axis Bank Lucknow

are the

compet i tors in which the major competitor isState Bank of Indi a,

having many branches in Lucknow itself and thats why it is more

convenient for the people to approach that bank. Thus Axis Bank should

expand the number of branches.

In terms of charges also, majority of customers are in favour of

SBI. Thus Axis Bank should adopt flexible approach in charges and the

charges should be charged according to the customers income,

competition and other factors so that they do not loose any genuine

customer due to these unfair charges.

According to my analysis, majority of customers said that they use

AXISBANKS ATM the most for cash withdrawal because its location covers

almost all the areas of the city. Thus, Axis bank can use this feature as a

major tool for advertising and promotion purposes.

Providing best customer service is also one of the advantages for

the bank which can be used for promotion purposes so that more and

more people attracts towards the bank.


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Bibliography

BOOKS:

i.) Kothari, C.R.:- Research Methodology methods and techniques,

(second revised edition), New Delhi, new age international (P) Limitedpublishers, 2008.

ii.) Khan, M.Y. : Financial services, (Third Edition)

iii). Beri, G.C.:- Marketing research, (Fourth Edition), New Delhi, TataMcGraw-

Hill Publishing Company Limited, 2008.

WEBSITES:

I. www.axisbank.comII. www.google.com, Axis Bank: Explore Axis Banks Profile

III. www.wikipedia.com, Axis Bank Wikipedia the freeencyclopaedia
http://www.axisbank.com/http://www.axisbank.com/

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