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8/19/2019 Deposit Mobilization of UBI
1/39
ACKNOWLEDGEME
NTI do take the pleasure to express mydeepest sense of rat!tude to my
honoura"le u!de #$O%& A'(I)IT DA* for
allo+!n me to ha,e the opportun!ty to
et th!s pro-e.t report .omplete&A spe.!al +ord of thanks oes to my
tea.her of department of .ommer.e
+hose keen !nterest/ ,alua"le suest!on
and +hole hearted .o0operat!on ena"led
me to .omplete my pro-e.t +ork&
Date1 Name 0 *$E2A $O2
#la.e1 '&COM %INAL 2EA$
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'ANKING (ONO3$*
CLA** $OLL NO& 0
'C450455
E6AM $OLL NO& 045C7489:
G3IDE
CE$TI%ICATETh!s !s to .ert!fy that ;*reya $oy< astudent of '&COM %!nal year ='ank!n and
Insuran.e (onours> 'ear!n .lass roll no&
? 'C450455/ Exam $oll No& 0 45C7489: of
%ak!r Mohan Autonomous Collee/'alasore has .arr!ed out d!ssertat!on
pro-e.t +ork t!tled ;DE#O*IT
MO'ILI*ATION O% 3NION 'ANK O% INDIA<
as part!al ful@lment of 'a.helor Deree
of .ommer.e under my u!dan.e&
8/19/2019 Deposit Mobilization of UBI
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Date1 #$O%& A'(I)IT
DA*#la.e1 =LECT&IN
COMME$CE>
3G DE#T O%
COMME$CE
%AKI$ MO(ANA3TONOMO3*
COLLEGE/
'ALA*O$E
DECLA$ATIONI *reya $oy/ here"y de.lare that the
d!ssertat!on pro-e.t +ork ent!tled ;DE#O*IT
MO'ILI*ATION O% 3NION 'ANK O% INDIA< !s
su"m!tted "y me to the #&G& Department ofCommer.e/ %ak!r Mohan Autonomous Collee/
'alasore as a part!al ful@lment of the
'a.helor Deree of Commer.e/ as my o+n
eorts and !t has not "een su"m!tted to any
other !nst!tut!on nor pu"l!shed any +here
"efore&
8/19/2019 Deposit Mobilization of UBI
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Date1 Name 0 *$E2A $O2
#la.e1 '&COM %INAL 2EA$
'ANKING (ONO3$*
CLA** $OLL NO& 0
'C450455E6AM $OLL NO& 0
45C7489
*E**ION ? 984504B
CONTENT*C(A#TE$ ? 4 INT$OD3TION
A'*T$ACT
#E$*#ECTIE O% DE#O*IT MO'ILIATION
C(A#TE$ ? 9 LITE$AT3$E
*O3$CE O% DATA
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MET(ODOLOG2
LIMITATION O% T(E *T3D2
NEED %O$ DE#O*IT
DE#O*IT MI6
O')ECTIE O% T(E *T3D2 #OLIC2 O% 'ANK DE#O*IT
C(A#TE$ ? 5
(I*TO$2
AWA$D* CE$TI%ICATION
DETAIL* O% 3NION 'ANK O% INDIA/ 'ALA*O$E
'$ANC(
C(A#TE$ ? F
DATA ANAL2*I* O% G$OWT( $ATE
DE#O*IT *C(EME
C(A#TE$ ? 7
%INDING O% T(E *T3D2 *3GGE*TION*
CONCL3*ION
'I'LIOG$A#(2
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C(A#TE$ 0 4
Introdu.t!onMo"!l!at!on of depos!ts !s one of the
!mportant fun.t!ons of "ank!n "us!ness& It !s
an !mportant sour.e of +ork!n fund for the
"ank& Depos!t mo"!l!at!on !s an
!nd!spensa"le fa.tor to !n.rease the sour.es
of the "anks to ser,e ee.t!,ely& Mo"!l!at!on
of depos!t plays an !mportant role !n
pro,!d!n sat!sfa.tory ser,!.e to d!erent
se.tors of the e.onomy& The Commer.!al
8/19/2019 Deposit Mobilization of UBI
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'anks must tap depos!ts from ur"an and rural
areas& Th!s helps the "anks to pro,!de lare
amount of funds to pr!or!ty se.tors for
de,elopment& The su..ess of the "ank!n
reatly l!es on the depos!t mo"!l!at!on&#erforman.es of the "ank depend on
depos!ts/ as the depos!ts are normally
.ons!dered as a .ost ee.t!,e sour.e of
+ork!n fund& Mo"!l!at!on of rural sa,!ns !s
one of the !mportant o"-e.t!,es of the
Commer.!al 'anks& It helps to expand"ank!n operat!ons& The $'I en.ouraes the
"anks to mo"!l!e/ depos!ts/ "y pro,!d!n
su"s!dy for "ran.h expans!on& The
su..essful fun.t!on!n of .ommer.!al "anks
depends on the extent of funds mo"!l!ed&
Depos!ts are the l!fe "lood of "ank!n.ompan!es& Depos!ts .onst!tute a ,!tal sour.e
of funds reHu!red for "ank!n "us!ness& There
are d!erent types of depos!ts/ +!th d!erent
matur!ty pattern .arry!n d!erent rates of
!nterests& Depos!t mo"!l!at!on !s depend!n
on the .ost of depos!ts& Mo"!l!at!on ofdepos!ts for a "ank !s as essent!al as
oxyen for human "e!n& In the post
l!"eral!at!on s.enar!o/ the num"er of players
!n "ank!n !ndustry has !n.reased
.ons!dera"ly +h!.h de,eloped
Compet!t!on !n "ank market!n& ;The sur,!,al
of the @ttest< has made appl!.a"le for the
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"anks& To enhan.e pro@ta"!l!ty/ "anks take
steps to m!n!m!e the expend!ture and are
for.ed to mo"!l!e lo+ .ost depos!ts&
In the present .ontext "anks eJ.!en.y !s
measured "ased on the depos!t m!x and onthe Huantum of lo+ .ost depos!ts !n the m!x&
In the present era of .ompet!t!on and
+!th the emeren.e of pr!,ate and
mult!nat!onal "anks/ an !deal m!x of depos!ts
!s a must to sur,!,e& *!n.e the !nterest pa!d
on depos!t forms a "! "urden on "ank/ the
mo"!l!at!on of lo+ .ost depos!ts/ l!ke .urrent
a..ount and sa,!ns "ank depos!t !s the
urent need for the "ank& 'anks "orro+ and
lend/ they "orro+ money "y a..ept!n
depos!ts from the pu"l!. !n.lud!n mem"ers
of the "ank& Depos!t mo"!l!at!on !s the
.h!ef sour.e of funds to undertake lend!n
operat!ons/ for pro@ta"le operat!on/ the
amount of depos!ts !s ,ery !mportant& The
"anks should !ntrodu.e ,ar!ous depos!ts
s.hemes to attra.t the pu"l!. to depos!t& It !sthe s!e of the depos!ts that larely de.!des
the lend!n potent!al of a "ank&
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A"stra.tThe present study !s a modest attempt to
analye the so.!o0e.onom!. !mpa.t of "ank
depos!ts& Depos!t mo"!l!at!on !s an !nteral
part of "ank!n a.t!,!ty& Mo"!l!at!on of
sa,!ns throuh !ntens!,e depos!t .olle.t!on
has "een rearded as the ma-or task of"ank!n !n Ind!a today& A..eptan.e of
depos!ts !s the pr!mary fun.t!on of
Commer.!al 'anks& As su.h depos!t
mo"!l!at!on !s one of the "as!. !nno,at!ons !n
.urrent Ind!an 'ank!n a.t!,!ty& In th!s
paper/ an attempt !s made to analye theso.!o0e.onom!. !mpa.t of depos!t
mo"!l!at!on& Three d!erent types of
depos!ts namely/ term depos!ts/ .urrent
depos!t and sa,!ns depos!t !s .ons!dered for
the study& The data reHu!red for the study has
"een .olle.ted from 3n!on 'ank of Ind!aAnnual $eports& The data/ thus .olle.ted ha,e
"een properly .lass!@ed and analyed +!th
the help of s!mple stat!st!.al parameters l!ke
A,erae/ Ind!.es et. and also the a..ount!n
te.hn!Hue !&e& $at!o Analys!s& The results
sho+s that/ there has "een a remarka"lero+th !n mo"!l!at!on of all k!nds of depos!ts
!n 3n!on 'ank of Ind!a&
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#E$*#ECTIE* O% DE#O*IT*
MO'ILI*ATIONMo"!l!sat!on of depos!t !s one of the
ma!n fun.t!ons of "ank!n "us!ness and so
an !mportant sour.e of +ork!n fund for the
"ank& The D!str!.t Central Cooperat!,e 'anks
=here !n after CC'> ha,e to !n.rease the!r@nan.!al resour.es "y +ay of depos!t
mo"!l!sat!on& Depos!t mo"!l!sat!on !s an
!nd!spensa"le fa.tor to !n.rease the sour.e of
the CC's to ser,e ee.t!,ely& The !mportan.e
of depos!ts of the .ooperat!,e "ank!n
stru.ture to pro,!de sat!sfa.tory ser,!.e toany proramme of ar!.ultural produ.t!on
and !ndustr!al manufa.tur!n hardly needs to
"e o,er emphas!sed& *e,eral .omm!ttees
and .omm!ss!ons ha,e stressed that the CC's
must tap depos!ts from ur"an and rural areas
so that they may "e a"le to pro,!de funds !nlare amounts to pr!mary so.!et!es for farm
and non0farm de,elopment& The su..ess of
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the "ank!n reatly l!es on the depos!t
mo"!l!sat!on performan.e of the "ank as the
depos!ts are normally .ons!dered as a .ost
ee.t!,e sour.e of +ork!n fund& The "ank !s
operat!n ,ar!ous depos!t s.hemes su.h as.urrent/ sa,!ns/ @xed/ re.urr!n and other
spe.!al s.hemes to meet the ,ary!n
reHu!rement of the .ustomers&
One of the !mportant o"-e.t!,es of the CC's !s
the mo"!l!sat!on of rural sa,!ns& It helps to
expand loan!n operat!ons& The ph!losophy of
.ooperat!on emphas!ses that .ooperat!,e
!nst!tut!ons should fun.t!on only +!th the
funds pooled from mem"ers and not to rely
larely on external @nan.!al a..ommodat!on&
The All Ind!a $ural Cred!t *ur,ey Comm!ttee
=4:7F>/ Mehta Comm!ttee =4:B8> and 'ank!n
Comm!ss!on =4:9> ha,e re.ommended that
the CC's .ould enae !n the mo"!l!sat!on of
depos!ts for !mpro,!n the !nternal resour.es&
Contrary to th!s pr!n.!ple/ the .on.ess!onal
@nan.e a,a!la"le to the CC's from the $'Imade them !nd!erent to the fun.t!on of
mo"!l!sat!on of depos!ts& To mo"!l!se
depos!ts/ the CC's are !,en some
en.ouraement "y the $'I and apex
!nst!tut!ons su.h as su"s!dy for "ran.h
expans!on/ states part!.!pat!on !n
share.ap!tal/ perm!tt!n the CC's to oer 49 per
.ent !nterest h!her than the .ommer.!al
8/19/2019 Deposit Mobilization of UBI
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"anks and appl!.at!on of depos!t !nsuran.e
s.heme&
*ele.tor depos!tors of sele.t "anks .olle.t
su.h data& (en.e/ a su!ta"le Huest!onna!re !s
de,eloped and se,eral amon the sele.ted"ran.h'ank depos!tors !n sele.t lo.at!ons&
8/19/2019 Deposit Mobilization of UBI
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C(A#TE$ 0 9
LITE$AT3$E4& *& enkateshan =9849>
In the study ent!tled ;An Emp!r!.al Approa.h
to Depos!t Mo"!l!at!on of Commer.!al 'anks
!n Tam!l Nadu
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per!od from 4:::09888 to 9880988:& The
Compound Gro+th $ate =CG$> and L!near
Gro+th $ate =LG$> +ere .al.ulated from
us!n s!mple reress!on analys!s& The study
found that/ there has "een a remarka"lero+th !n mo"!l!at!on of all k!nds of depos!ts
!n *.heduled Commer.!al 'anks !n Tam!l Nadu
on the +hole&
9& #a! & *& =988B>
In the study ent!tled ;Trends !n the Ind!an'ank!n Industry1 Analyses of Inter0 re!onal
Trends !n Depos!ts and Cred!ts
8/19/2019 Deposit Mobilization of UBI
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5& Dr& $am.handra $eddy '& and Dr& 2u,ara-a
$eddy =9887>F
In the study ent!tled ;%!nan.!al #erforman.e
of *tate 'ank of Ind!a1 An Analys!s
8/19/2019 Deposit Mobilization of UBI
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o+ of funds throuh "ank!n .hannels& The
study also found that/ one un!t !n.rease !n
depos!ts leads to less .red!t o+ !n rural
areas as .ompared to ur"an areas&
*O3$CE* O% DATA#r!may data +ere not a,a!la"le +!th
.ustomers/ so they +ere .olle.ted from the
d!erent maa!nes/ ne+spaper and laso the
+e"s!te of the "ank
=+++&un!on"anko@nd!a&.om>&
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MET(ODOLOG2 The study !s "ased on se.ondary data/
.olle.ted data from Annual $eports of the
3n!on 'ank of Ind!a/ $eports on Trends and
#roress of 'ank!n !n Ind!a/ $'I/ Mum"a!/
)ournal of CA' Call!n/ #une/ )ournal of
#rofess!onal 'anker/ #er!od!.als and 'ooks&
%or the purpose of as.erta!n!n the
performan.e of depos!tors and to kno+ the
ee.t!,eness of ,ar!ous strate!es of
.ommer.!al "anks !n depos!t mo"!l!at!on/
pr!mary data are used& Can,ass!nappropr!ate Huest!onna!re amon the
sele.ted depos!tors of sele.t "anks .olle.t
su.h data& (en.e/ a su!ta"le Huest!onna!re !s
de,eloped and ser,ed amon the sele.ted
"ran.h"ank depos!tors !n sele.t lo.at!ons&
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LIMITATION* O% T(E
*T3D2 The ma!n l!m!tat!ons of the study are as
follo+s10
The sampl!n te.hn!Hue used !s one of the
non0pro"a"!l!ty methods& As the results are
to "e read !n the .ontext of sampl!n error&
As a matter of fa.t/ depos!t mo"!l!at!on
fun.t!on !s not an !ndependent and ex.lus!,e
,ar!a"le and related to many other
ma.roe.onom!. fa.tors& Th!s study doesnt
.ons!der all the other related for.es that
!nuen.e the depos!t mo"!l!at!on eorts of.ommer.!al "anks&
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The Hual!ty of ser,!.es extended "y the
.ommer.!al "anks depend!n upon the status
of the depos!tors !n term of the!r depos!ts
Huantum and pol!t!.al and so.!al pos!t!on !n
the so.!ety& As su.h/ the results of the studyare su"-e.t to .erta!n spe.!al treatment +h!.h
!s not measured&
There are d!erent @nan.!al !nst!tut!ons !n
depos!t mo"!l!at!on su.h as .orporate
enterpr!se/ .h!t funds/ n!dh!s/ .ommer.!al
"anks and many other non0"ank!n @nan.!al!nst!tut!ons& *o !t !s to "e .ons!dered as a
.ompet!t!,e market +hose !nuen.e !s not
taken !nto s.ope of the study& The t!me frame
preferred for d!erent analys!s may ,ary from
su"-e.t to su"-e.t&
NEED %O$ DE#O*IT*To meet the "as!. ne.ess!t!es and to !mpro,e
the!r per .ap!ta !n.ome/ sa,!n depos!t!n
the money "e.omes ne.essary& Depos!ts help
!n !mpro,!n the e.onomy of the people as
+ell the e.onomy of the .ountry& The depos!ts+!ll .urta!l the expend!ture of the depos!tor
to the extent of depos!ts&
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DE#O*IT MI6The "ank has oered num"er of depos!t
s.hemes to the pu"l!. +h!.h !n.lude term
depos!ts/ sa,!n/ depos!ts/ .urrent depos!ts
and the l!ke& The mo"!l!at!on of depos!ts
helps the "ank to meet the ro+!n demands
of ,ar!ous se.tors namely/ ar!.ulture/ smalls.ale !ndustry/ +eaker se.t!on of the
.ommun!ty and the l!ke& Current depos!ts are
8/19/2019 Deposit Mobilization of UBI
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meant for o,ernment/ .orporate/
!nst!tut!ons and "us!ness sements +here as
sa,!ns depos!ts are des!ned for !nd!,!duals&
Term depos!ts are tareted predom!nantly for
the household sement and !nst!tut!ons&Thouh/ there +as .ons!dera"le sh!ft !n the
market share of Go,ernment .orporate
dur!n the last t+o de.ades/ the depos!t m!x
rema!ned the same e,en !n the l!"eral!ed
en,!ronment +h!.h demonstrates the
!mportan.e of term depos!ts&
TE$M DE#O*IT* =TD>1Term depos!ts are the depos!ts on +h!.h
!nterest !s pa!d/ e!ther on matur!ty or at
st!pulated !nter,alsdepend!n upon the depos!t s.heme under
+h!.h the money !s pla.ed& Term depos!ts
!n.lude the follo+!n1%!xed depos!ts1 On th!s a @xed rate of !nterest
!s pa!d at @xed and reular !nter,als$e0!n,estment depos!ts1 The !nterest !s
.ompounded Huarterly and pa!d on matur!ty
alon +!th the pr!n.!pal amount of thedepos!t&$e.urr!n depos!ts1 (ere a @xed amount !s
depos!ted at reular !nter,als for a @xed term
and the repayment of pr!n.!pal and !nterest !s
made at the end of the term&
*AING* 'ANK DE#O*IT =*'D>1*a,!ns depos!t !s the most .ommon type of
depos!t/ +h!.h .aters to the needs of almost
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all type of .ustomers& The surplus earned !s
depos!ted !n the form of sa,!ns depos!ts&
Th!s type of depos!t !s meant for !nd!,!duals/
profess!onal people/ small traders/ art!sans
and .o0operat!,e so.!et!es& (ere +!thdra+alsare su"-e.t to .erta!n .ond!t!ons& These
depos!ts are relat!,ely less !nterest .ost
or!ented& 3nder th!s type of depos!t !nterest
a..rues at a @xed rate set "y the $'I
=.urrently 5&7P> and upon +h!.h .heHues .an
"e dra+n& *a,!ns depos!ts are the form ofdemand depos!ts& *a,!ns depos!ts are
su"-e.t to restr!.t!ons on the num"er of
+!thdra+als as +ell as on the amounts of
+!thdra+als dur!n any spe.!@ed per!od&
%urther/ m!n!mum "alan.es may "e pres.r!"ed
!n order to oset the .ost of ma!nta!n!n andser,!.!n su.h depos!ts& *a,!ns "ank
a..ounts are used "y a lare sement of
small depos!tors as they .an put the!r reular
!n.omes !nto these a..ounts& 3nder th!s/
.ustomer .an +!thdra+ the money on
demand and also earn !nterest on the "alan.eleft !n the a..ount& *a,!ns a..ounts are
enerally opened "y households&
C3$$ENT DE#O*IT* =CD>1Current depos!t produ.ts are des!ned to
.ater the "ank!n reHu!rements of"us!nessmen/ traders/
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.ompan!es and other ent!t!es& Th!s type of
depos!t !s also for the !nd!,!duals +ho are
!n,ol,ed !n .ommer.!al or "us!ness a.t!,!t!es&
In add!t!on to .on,ent!onal .urrent depos!t
a..ounts/ "ank oer ,ar!at!ons of the .urrentdepos!t +!th ,alue0added ser,!.es for el!!"le
.urrent a..ount .ustomers& 'ank also oers
the ,ar!ety of spe.!al ,alue0added produ.ts
and ser,!.es& Current depos!ts .ater to the
needs of "us!ness people +ho make use of
.heHue fa.!l!t!es extens!,ely and also re.e!,e
.heHues !n the!r fa,or from others& Th!s !s
-ust to fa.!l!tate the "us!ness men deal!n
freHuently +!th the a..ount !n the .ourse of
"us!ness +h!.h may ne.ess!tate +!thdra+!n
the!r funds at short not!.e and also
freHuently depos!t!n the!r surplus funds&(o+e,er/ there !s no restr!.t!on that only
"us!ness people should open .urrent
a..ounts& The "ank a..epts .urrent depos!ts
from !nd!,!duals/ .o0 operat!,e so.!et!es/
o,ernment !nst!tut!ons/ lo.al "od!es et.&
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O')ECTIE* O% T(E
*T3D2 4& To oer useful *uest!ons for the 'etterManaement of Depos!ts&
9& To study the *o.!o 0 E.onom!. Impa.t of
Depos!t Mo"!l!at!on&5& The ma!n o"-e.t!,e of the study !s to
sur,ey the method *trate!es and the trend!n depos!t mo"!l!at!on of .ommer.!al "anks
!n Ind!a& The follo+!n are the su"0o"-e.t!,es
that help !n ela"orat!n and analy!n the
trend !n depos!t mo"!l!at!on "y the pu"l!.
and pr!,ate se.tor "anks&
F& To assert!on the pr!mary fa.tors thatattra.t the depos!tors to prefer for a
part!.ular "ank o,er others for stak!n the!r
ser,!.es and to .arry d!erent depos!t related
relat!,ely transa.t!ons&7& To dra+ "r!ey appropr!ate .on.lus!ons
and make su!ta"le re.ommendat!ons for!mpro,!n the performan.e of .ommer.!al
"anks !n the area of depos!t mo"!l!at!on&
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B& To @nd out the relat!,e !mportan.e
"et+een t!me depos!t and demand depos!ts
mo"!l!ed "y .ommer.!al "anks areate
terms o,er a per!od&
#OLIC2 ON 'ANK
DE#O*ITTh!s study .o,ers a per!od of 45 years !&e&
from 4:::09888 to 984409849&The !mportantfun.t!ons of the "ank are to a..ept depos!ts
from the pu"l!. for the purpose of lend!n&Depos!tors are the ma-or stakeholders of the
"ank!n system& W!th l!"eral!at!on !n the
@nan.!al system and Internat!onal
oran!at!on of *.!ent!@. $esear.hdereulat!on of !nterest rates/ "anks are no+
free to formulate depos!t produ.ts +!th!n the
"road u!del!nes !ssued "y $eser,e 'ank of
Ind!a& Th!s study .o,ers a per!od of 45 years
!&e& from 4:::09888 to 984409849&
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C(A#TE$ 0 5
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'ANK #$O%ILE(I*TO$21 0 3n!on 'ank of Ind!a !s one of the
larest o,ernment0o+ned "anks of Ind!a&3n!on 'ank of Ind!a +as re!stered on 44
No,em"er 4:4: as a l!m!ted .ompany !n
Mum"a! and +as !nauurated "y Mahatma
Gandh!& At the t!me of Ind!as Independen.e
!n 4:F/ 3n!on 'ank only had four "ran.hes0
three !n Mum"a! and one !n *aurashtra/ all.on.entrated !n key trade .entres& After
Independen.e 3n!on 'ank a..elerated !ts
ro+th and "y the t!me the o,ernment
nat!onal!sed !t !n 4:B:/ !t had ro+n to 9F8
"ran.hes !n 9 states& *hortly after
nat!onal!sat!on/ 3n!on 'ank mered !n'elaum 'ank/ a pr!,ate se.tor "ank
esta"l!shed !n 4:58 that had !tself mered !n
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a "ank !n 4:BF/ the *hr! )adeya shankarl!n
'ank ='!-apur/ on 48 May 4:F>& Then !n 4:7
3n!on 'ank mered !n M!ra- *tate 'ank/
Wh!.h had "een esta"l!shed !s 4:9: and
+h!.h had 9B "ran.hes& In 4::: the $'IreHuested that 3n!on 'ank a.Hu!re *!kk!m
'ank !n a res.ue after extens!,e !rreular!t!es
had "een d!s.o,ered at the non0s.heduled
"ank& *!kk!m 'ank had e!ht "ran.hes
lo.ated !n the north0east/ +h!.h +as
attra.t!,e to un!on "ank&3n!on 'ank "ean !ts !nternat!onal expans!on
!n 988 +!th the open!n of representat!,e
oersoJ.es !n A"u Dha"!/ 3n!ted Ara"
Em!rates/ *hanha! and #eoples $epu"l!. of
Ch!na& The next year/ 3n!on 'ank esta"l!shed
a "ran.h !n (on Kon/ !ts @rst "ran.houts!de Ind!a& In 988:/ 3n!on 'ank opened a
representat!,e oJ.e !n *ydney Austral!a&
AWA$D* ANDCE$TI%ICATIONIn 988B1 Nat!onal a+ard for the se.ond 'est
performan.e !n @nan.!n small s.ale un!ts "y
M!n!stry of small s.ale Industr!es/
Go,ernment of Ind!a&In 9881 Golden )u"!lee A+ard for the "est
'ank !n North east one for ex.ellen.e !n the
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@eld of Khad! and ,!llae !ndustr!es from the
M!n!stry of M*ME/ Go,ernment of Ind!a&In 9881 Nat!onal A+ard under #r!me M!n!ster
Employment Guarantee #roramme !n NE
one from the m!n!stry of M*ME/ Go,ernmentof Ind!a&In 98490451 'ank "as ID$'T IT Ex.ellan.e
A+ards1 0IT Ex.ellan.e A+ard for ;'E*T IT TEAM<*pe.!al A+ard for ;Te.hnoloy for %I<
*pe.!al A+ar for ;Mana!n IT $!sk
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Th!s "ran.h !s most reputed "ran.h of un!on
"ank of Ind!a !n "alasore& 'ran.h .ode !s
'ran.h'alasore made up of last s!x numer!.
d!!t of I%*C .ode& 'alasore !s +ell
esta"l!shed "ran.h !n "alasore& C!t!en ofInd!a ot "ene@ted "y th!s "ank s!n.e 44th
No,em"er 4:4:& The founder of the 3n!on
'ank of Ind!a !s Arun T!+ar!& 7788B8 !s the
'ran.h .ode of 3n!on 'ank of Ind!a "ank
'alasore "ran.h !n 'alasore& The .omplete
.onta.t address for "alasore !s #lot No& 48p/,!,ekanand mar/ D!st ? 'alasore/ Or!ssa #!n ?
7B884& The ma!n 'ran.h of 3n!on 'ank of
Ind!a !s 3n!on 'ank 'ha,an/ 95:/ !dhan
'ha+an Mar/ Nar!man #o!nt/ Mum"a!&
9/FB are employees&
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C(A#TE$ 0 F
DATA ANAL2*I*
The ,olume of depos!ts and the return on
ad,an.es are .losely related to the
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deployment of funds& If the depos!ts are
!n.reased/ !t !n.reases the ad,an.es of the
"ank& %or the performan.e of the "anks/
ro+th rate analyses are an !mportant
parameter& An !n.reas!n trend !n ro+th rateof depos!ts sho+s "etter performan.e of the
3n!on 'ank of Ind!a !n depos!t mo"!l!at!on&
The s!e of depos!ts determ!nes the funds
a,a!la"le for lend!n& The ro+th rate !n total
depos!ts of 3n!on 'ank of Ind!a sho+s an
!n.reas!n trend o,er the per!od& The h!herthe ro+th rates o,er the per!od/ the h!her
the le,el of market or!entat!on of the "ank
and ,!.e ,ersa& The !nformat!on relat!n to
the depos!t mo"!l!at!on s.enar!o of 3n!on
'ank of Ind!a !s sho+n !n ta"le 4&4
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ANN3AL $E#O$T* IN
G$OWT( $ATE O% TOTAL
DE#O*IT* O% 3'I
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ANAL2*I* O% DE#O*IT
MI6 O% 3NION 'ANK O%
INDIA
Ta"le 4&9 !nd!.ates that/ the "ank under study l!keany other .ommer.!al "anks has "een a"le tomo"!l!e only three types of depos!ts !&e& .urrentdepos!t/ sa,!ns depos!t/ and term depos!ts&
Therefore/ !t may "e sa!d that the depos!t m!x of3n!on 'ank of Ind!a !s .on,ent!onal !n nature& Italso !nd!.ates that the term depos!ts share !s.omparat!,ely h!h out of the total depos!t&Gro+th of the term depos!t !s also !n an !n.reas!ntrend o,er the per!od& Th!s sho+s that 3n!on 'ankof Ind!a has "een term depos!t .entered rather
than .urrent and sa,!ns depos!t& The share of.urrent depos!ts has "een relat!,ely less !nd!.at!nthat the 3n!on 'ank of Ind!a has not "een a"le to
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attra.t more and more depos!ts from the "us!nessun!ts& Gro+th o,er the study per!od !s u.tuat!n&%rom 9888 to 988B neat!,e ro+thper.entae and from 988B to 988: pos!t!,ero+th per.entae !n .ase of depos!t m!x&
C(A#TE$ 0 7
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%INDING* O% T(E *T3D2 4& In.rease !n depos!ts e,ery year ree.ts
the 3n!on 'ank of Ind!aQs ee.t!,eness !nmo"!l!at!on of funds fordeployment&9& 3n!on 'ank of Ind!a !s su..essful !n
attra.t!n the depos!ts from the pu"l!. and
there"y !t !s su..essful !n de,elop!n the
ha"!t of sa,!ns amon people&5& The depos!t m!x of 3n!on 'ank of Ind!a !s
.on,ent!onal !n nature/ !t !nd!.ates that the
term depos!ts share !s.omparat!,ely h!h out of the total depos!t&
7& Gro+th of the term depos!t !s also !n an
!n.reas!n trend o,er the per!od& Th!s sho+sthat 3n!on 'ank of Ind!a has "een term depos!t .antered rather
than .urrent and sa,!ns depos!t&
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*3GGE*TION*4& The "anks should !ntrodu.e ,ar!ousdepos!ts s.hemes to attra.t the pu"l!.&9& To meet the "as!. ne.ess!t!es and to
!mpro,e the per .ap!ta !n.ome/ sa,!n
depos!t!n the money "e.omes ne.essary&
5& In the e,er !n.reas!n .ompet!t!onamonst "anks to !n.rease market shares and
reta!n .ustomer loyalty/ theneed to pro,!de "ank!n ser,!.es !n a a+less
manner and at a lo+ .ost !s a.utely felt/ more
so !n the re.ent t!mes&
F& The "anks should .reate a+areness ofthe ex!sten.e and a,a!la"!l!ty of support
ser,!.es amon the .ustomers&
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CONCL3*ION%or o,er N!ne de.ades the 3n!on 'ank of
Ind!a ha,e earned the reputat!on of "e!n
te.hno0sa,,y "ank and !s one of the front
runners amonst pu"l!. se.tor "ank !n the
@eld of te.hnoloy& W!th !ts prudent
manaement and ood o,ernan.e/ "anks
non0perform!n assets +ere .omparat!,ely
lo+er& 'ank !s @rmly .omm!tted to
.onsol!dat!n and ma!nta!n!n !ts !dent!ty as
a lead!n/ !nno,at!,e Commer.!al 'ank/ +!th
a proa.t!,e approa.h to the .han!n needs
of the so.!ety& Th!s !s "e.ause of num"er of
produ.ts and ser,!.es made a,a!la"le to !ts
,alua"le .ustomers& Today/ +!th !ts eJ.!ent/
,alue0added ser,!.es/ susta!ned ro+th/
.ons!stent pro@ta"!l!ty and de,elopment of
ne+ te.hnolo!es/ 3n!on 'ank of Ind!a hasensured .omplete .ustomer del!ht/ l!,!n up
to !ts !mae of/ ;GOOD #EO#LE TO 'ANK
WIT(
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ha,e made ood proress !n te.hnoloy/ the
.hallene l!es !n Hu!.kly d!ssem!nat!n these
produ.ts amonst the!r .l!entele and also
present themsel,es as a te.hno0sa,,y
"ank/ part!.ularly to the younerenerat!on of the so.!ety&
'I'LIOG$A#(2
INDIAN 'ANKING *2*TEMWWW&3NION'ANKO%INDIA&COM
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