CONTENT1 Final to Print

8/13/2019 CONTENT1 Final to Print

1/48

1

DEPARTMENT OF BUSINESS ADMINISTRATION

UNIVERSITY OF LUCKNOW

Session 2013-2014Summer Internship Report of MBA on

Study on Scope and Opportunities to increase our SME

Business in Leather Industries at

Kanpur and Unnao Centre.

Submitted by: Submitted to:

Manish Kumar Singh Mr. Narendra Deo Kumar

MBA Sem.-III Mentor &Branch Manager

Roll No. 12001128032 SBI (SME) Jajmau Branch


2/48

2

INDEX

CONTENTS Page No.

Acknowledgement....................................................................................................02

Executive Summary.................................................................................................03

Chapter 1..................................................................................................................04

Students Profile.............................................................................................05

Overview........................................................................................................07

History............................................................................................................09

Competitors....................................................................................................12

Strengths/Opportunity and Weakness/Threats................................................13

Different Products..........................................................................................15

Awards and Recognitions by SBI...................................................................16

Chapter 2...................................................................................................................17

Introduction to Advance Product...................................................................19

Types of SBI Advance Products.....................................................................18

Leather Industries in Kanpur and Unnao........................................................21

Environmental Impact.....................................................................................21

Treatment of Polluted Water...........................................................................22

Government Regulation and Support..............................................................23

Statement of Problem......................................................................................24

Research Objectives........................................................................................24

Significance and Scope....................................................................................25

Chapter 3...................................................................................................................26

Research Methodology

Chapter 4...................................................................................................................29

Analysis of Data

Chapter 5...................................................................................................................37

Project Findings..............................................................................................38

Suggestion and Recommendation...................................................................39

Conclusion......................................................................................................40

Annexure (Questionnaire/Survey Format).............................................................41Bibliography.............................................................................................................47


3/48

3

Acknowledgement

If words are considered to be signs of gratitude then let these words convey the very same.

My sincere gratitude to State Bank of India for providing me with an opportunity to work with

State Bank of India and giving necessary directions on doing this project to the best of my

abilities.

I am highly indebted to Shri Narendra Deo Kumar,Branch Manager, SBI, Jajmau Branch

and company project guide, who has provided me with the necessary information and also

for the support extended out to me in the completion of this report and his valuable

suggestion and comments on bringing out this report in the best way possible.

I am grateful to all faculty members of Department of Business Administration,

University of Lucknow, Lucknow and my friends who have helped me in the successful

completion of this project.

I extend my heartfelt thanks to Mr. Manoj Srivastav, Human Resource Manager Lucknow

Head Office SBI. And also thankful to my friends for giving their valuable support.

Thanking You


4/48

4

Executive Summary

In the growing global competition, the productivity of any business concern depends uponthe behavioral aspect of consumers. This topic deals with the customersperception towards

other Advance Product from SBI credit cards at Kanpur and Unnao. This project reportcontains 5 different chapters. The report begins with the introduction to company, its areaof operation, its organization structure, its achievements, etc.

The second chapter is the introduction to the Advance Product which gives a brief idearegarding advance product of SBI LOCAL HEAD OFFICE, Lucknow where the project isundertaken. It also contains the objectives and limitations of the project.

The third chapter, methodologyadopted in preparing this report is mentioned. It covers thesample procedure, types of data used and the data collection method.

The fourth chapter comprehensive coverage of forecasting concepts and techniques whichshows the analysis of data through tabulation, computation and graphical representation ofdata collected from survey.

The fifth chapter deals with the findings, suggestion & conclusionpart which is very muchimportant after analysis is made.

As we know that only analysis and conclusion is not the end of a research, so in the sixthchapter the recommendation part is covered which are made after a depth study of theanalysis part of thesis.

In each of the five chapters as described above, every chapter has been scheduled in amanner so as to enable the reader to appreciate the contents easily. The report is supported byfigures and data wherever necessary with a view to assist the reader in developing a clear cutunderstanding of the topic.

I hope this report will be extremely useful for those it is meant. Constructive and healthysuggestions for improvements of the report will be great fully appreciated.

Manish Kumar Singh


5/48

5

Personal Detail

Company Profile

Overview

History

Competitors

SWOT Analysis

Different Products

Awards & Recognitions by SBI

CCHHAAPPTTEERR--11


6/48

6

Personal Details

Name : Manish Kumar SinghGender : MaleDate of Birth : 2nd of June1984Language Proficiency : English & HindiParents Name : Mr. Abhimanyu Singh

: Mrs. Savitri Devi

Permanent Address : 4-Balrampur Management HostelIn front Baradari, QaiserbaghLucknow -226001 (U.P.)

Phone : 9696905733Email ID : [email protected]

Educational Qualification

Course InstitutionYear ofpassing

Board/UniversityMarks

%

MBA(pursuing)Department Of

BusinessAdministration

University OfLucknow

B.ScLucknow ChristianCollege, Lucknow

2011Indira Gandhi

National OpenUniversity

55.00

HSC Govt. Inter College,

Anpara, Sonebhadra 2001 UP Board 45.40

SSCGovt. Inter College,Anpara, Sonebhadra

1999 UP Board 54.33


7/48

7

Personal Objective

To work in highly challenging environment which best utilizes my capabilities andascend the ladder of success through diligence.

Extra Co-Curricular Activities and Achievements

A member and actively participation in ingenuous youth association

Participated in game and cultural activities Taken part in debates, skits and quizzes

Won First Prize in Presentation and Making Collage in LUMBA

Participated in Awareness to clean your city in Kanpur

SOFT SKILLS

Enjoy working in teams

Flexible to travel

Quick learner

Good presentation skills

Knowledge of MS Office

Listening skills


8/48

8

OVERVIEW

The deposits of Bank have risen to 12,02,740 crores with the annual growth at 15.24%over that of last years level of `10,43,647 crores.

On the advances front Bank has crossed the 10,00,000 crores level and now theadvances stand 10,78,557 crores. Like the deposits, the growth of 20.70% over lastyear is better than the growth recorded by all Scheduled Commercial Banks. Thegrowth has come mainly from a surge in advances to large corporates at 50,549 crores,which represents an unprecedented growth of 40.28% during this FY compared to15.23% (16,298 crores) achieved last FY. Mid corporate segment too has made asignificant contribution of 31,472 crores giving an 18.15% growth, as against 12,173crores (8.78% growth) last year.

The retail segment growth has been to the tune of 27,267 crores giving a growth of14.95% against last years 10.85%. Major drivers in this segment have been the HomeLoans and Auto loans which have registered a 16.28% (16,728 crores) and 35.47%growth (6,494 crores) respectively.

Under flow of credit to the farming community, the Bank has disbursed directAgriculture loans of 22,303 crores during the year, representing a growth of 25.85%covering 11.89 lac new farmers. Out of the total direct agriculture advance of1,08,584 crores standing in the books as at 31/03/2013, 30.77% i.e. 33,409 crores iscollateralized by gold.

During the year, the Bank expanded its reach by adding 719 branches to its networkcomprising 123 in Metros, 122 in Urban, 170 in Semi-Urban and 304 in rural areas.As at 31/03/13, out of total 14,816 branches, 66% (9851 branches) are in rural andSemi-urban areas.

State Bank group has one of the largest ATM networks in the world with 32,752ATMs as on 31/03/13. Bank has introduced Cash Deposit Machines to facilitatecustomers to deposit cash in their accounts by swiping their SBI ATM cum Debitcard. As on 31/03/13, the number of CDMs installed was 665.


9/48

9

Management

The bank has 14 directors on the Board and is responsible for the management of the Banksbusiness. The board in addition to monitoring corporate performance also carries out

functions such as approving the business plan, reviewing and approving the annual budgetsand borrowing limits and fixing exposure limits. Mr. Pratip Chaudhari is the Chairman of the

bank.

Hemant G. Contractor (Managing Director)

Arundhati Bhattacharya (Managing Director & Chief Financial Officer)

Krishna Kumar (Managing Director)

S. Visvanathan (Managing Director)

S. Venkatachalam (Director)

D. Sundaram (Director)

Thomas Mathew (Director) S.K. Mukherjee (Officer Employee Director)

Rajiv Kumar (Director)

Jyoti Bhushan Mohapatra (Workmen Employee Director)

Deepak Amin (Director)

Harichandra Bahadur Singh (Director)

Shareholding & Liquidity

State Govt.+ Central Govt.

Institutions(Mutual Fund, UTI,Insurance,Foreign institution

Non Institutions(Corporate

bodies)

Oversease investors

GDR issue & Others

0 20 40 60 80

62.31

26.49

2.4

8.41

2.71

Sales

State Govt.+ Central Govt.

Institutions(Mutual Fund, UTI,

Insurance,Foreign institution and

banks)

Non Institutions(Corporate bodies)

Oversease investors

GDR issue & Others


10/48

10

Key Areas of Operations

The business operations of SBI can be broadly classified into the key income generatingareas such as National Banking, International Banking, Corporate Banking, & Treasuryoperations.

HISTORY

The origin of the State Bank of Indiagoes back to the first decade of the nineteenth centurywith the establishment of the Bank of Calcutta in Calcutta on 2 June 1806. Three years laterthe bank received its charter and was re-designed as the Bank of Bengal (2 January 1809). Aunique institution, it was the first joint-stock bank of British India sponsored by theGovernment of Bengal. The Bank of Bombay (15 April 1840) and the Bank of Madras (1July 1843) followed the Bank of Bengal. These three banks remained at the apex of modern

banking in India till their amalgamation as the Imperial Bank of India on 27 January 1921.

Primarily Anglo-Indian creations, the three presidency banks came into existence either as aresult of the compulsions of imperial finance or by the felt needs of local Europeancommerce and were not imposed from outside in an arbitrary manner to modernize India'seconomy. Their evolution was, however, shaped by ideas culled from similar developmentsin Europe and England, and was influenced by changes occurring in the structure of both thelocal trading environment and those in the relations of the Indian economy to the economy ofEurope and the global economic framework.


11/48

11

The three banks were governed by royal charters, which were revised from time to time.

Each charter provided for a share capital, four-fifth of which were privately subscribed andthe rest owned by the provincial government. The members of the board of directors, whichmanaged the affairs of each bank, were mostly proprietary directors representing the largeEuropean managing agency houses in India. The rest were government nominees, invariablycivil servants, one of whom was elected as the president of the board.

Group Photograph of Central Board (1921)

Business

The business of the banks was initially confined to discounting of bills of exchange or othernegotiable private securities, keeping cash accounts and receiving deposits and issuing and

circulating cash notes. Loans were restricted to Rs. one Lakh and the period of accommodation

confined to three months only. The security for such loans was public securities, commonly called

Company's Paper, bullion, treasure, plate, jewels, or goods 'not of a perishable nature' and no interest

could be charged beyond a rate of twelve per cent. Loans against goods like opium, indigo, salt

woollens, cotton, cotton piece goods, mule twist and silk goods were also granted but such finance

by way of cash credits gained momentum only from the third decade of the nineteenth century. All

commodities, including tea, sugar and jute, which began to be financed later, were either pledged or

hypothecated to the bank. Demand promissory notes were signed by the borrower in favour of the

guarantor, which was in turn endorsed to the bank. Lending against shares of the banks or on the

mortgage of houses, land or other real property was, however, forbidden.

Indians were the principal borrowers against deposit of Company's paper, while the business of

discounts on private as well as salary bills was almost the exclusive monopoly of individuals

Europeans and their partnership firms. But the main function of the three banks, as far as the

government was concerned, was to help the latter raise loans from time to time and also provide a

degree of stability to the prices of government securities.


12/48

12

First Five Year Plan

In 1951, when the First Five Year Plan was launched, the development of rural India was given the

highest priority. The commercial banks of the country including the Imperial Bank of India had till

then confined their operations to the urban sector and were not equipped to respond to the emergent

needs of economic regeneration of the rural areas. In order, therefore, to serve the economy in

general and the rural sector in particular, the All India Rural Credit Survey Committee recommended

the creation of a state-partnered and state-sponsored bank by taking over the Imperial Bank of India,

and integrating with it, the former state-owned or state-associate banks. An act was accordingly

passed in Parliament in May 1955 and the State Bank of India was constituted on 1 July 1955. More

than a quarter of the resources of the Indian banking system thus passed under the direct control of

the State. Later, the State Bank of India (Subsidiary Banks) Act was passed in 1959, enabling the

State Bank of India to take over eight former State-associated banks as its subsidiaries (later named

Associates).

The State Bank of India was thus born with a new sense of social purpose aided by the 480 offices

comprising branches, sub offices and three Local Head Offices inherited from the Imperial Bank.

The concept of banking as mere repositories of the community's savings and lenders to creditworthy

parties was soon to give way to the concept of purposeful banking sub serving the growing and

diversified financial needs of planned economic development. The State Bank of India was destined

to act as the pacesetter in this respect and lead the Indian banking system into the exciting field ofnational development.

International presence

As of 28 June 2013, the bank had 180 overseas offices spread over 34 countries. It has

branches of the parent inMoscow,Colombo,Dhaka, Frankfurt, Hong

Kong,Tehran,Johannesburg, London, Los Angeles, Male in theMaldives,Muscat, Dubai,

New York,Osaka, Sydney, and Tokyo. It hasoffshore banking units in theBahamas,

Bahrain, andSingapore, and representative offices inBhutan andCape Town. It also has an

ADB in Boston, USA.

The Canadian subsidiary, State Bank of India (Canada) also dates to 1982. It has seven

branches, four in theToronto area and three in theVancouver area.

SBI operates several foreign subsidiaries or affiliates. In 1990, it established an offshore

bank: State Bank of India (Mauritius).

In 1982, the bank established a subsidiary, State Bank of India (California), which now has

ten branchesnine branches in the state of California and one in Washington, D.C. The 10th

branch was opened in Fremont, California on 28 March 2011. The other eight branches in
http://en.wikipedia.org/wiki/Moscowhttp://en.wikipedia.org/wiki/Colombohttp://en.wikipedia.org/wiki/Dhakahttp://en.wikipedia.org/wiki/Tehranhttp://en.wikipedia.org/wiki/Johannesburghttp://en.wikipedia.org/wiki/Maldiveshttp://en.wikipedia.org/wiki/Muscat,_Omanhttp://en.wikipedia.org/wiki/Osakahttp://en.wikipedia.org/wiki/Offshore_bankhttp://en.wikipedia.org/wiki/Bahamashttp://en.wikipedia.org/wiki/Singaporehttp://en.wikipedia.org/wiki/Bhutanhttp://en.wikipedia.org/wiki/Cape_Townhttp://en.wikipedia.org/wiki/Torontohttp://en.wikipedia.org/wiki/Vancouverhttp://en.wikipedia.org/wiki/Vancouverhttp://en.wikipedia.org/wiki/Torontohttp://en.wikipedia.org/wiki/Cape_Townhttp://en.wikipedia.org/wiki/Bhutanhttp://en.wikipedia.org/wiki/Singaporehttp://en.wikipedia.org/wiki/Bahamashttp://en.wikipedia.org/wiki/Offshore_bankhttp://en.wikipedia.org/wiki/Osakahttp://en.wikipedia.org/wiki/Muscat,_Omanhttp://en.wikipedia.org/wiki/Maldiveshttp://en.wikipedia.org/wiki/Johannesburghttp://en.wikipedia.org/wiki/Tehranhttp://en.wikipedia.org/wiki/Dhakahttp://en.wikipedia.org/wiki/Colombohttp://en.wikipedia.org/wiki/Moscow


13/48

13

California are located in Los Angeles, Artesia, San Jose, Canoga Park, Fresno, San Diego,

Tustin and Bakersfield.

InNigeria, SBI operates as INMB Bank. This bank began in 1981 as the Indo-Nigerian

Merchant Bank and received permission in 2002 to commence retail banking. It now has five

branches in Nigeria.

InNepal,SBI owns 55% of Nepal SBI Bank, which has branches throughout the country. In

Moscow, SBI owns 60% ofCommercial Bank of India,with Canara Bank owning the rest.

InIndonesia,it owns 76% of PT Bank Indo Monex.

The State Bank of India already has a branch in Shanghai and plans to open one in Tianjin.

InKenya, State Bank of India owns 76% of Giro Commercial Bank, which it acquired

for US$8 million in October 2005.

COMPETITORS

Competitors and other players in the field

Top Performing Public Sector Banks

Andhra Bank

Allahabad Bank

Punjab National Bank

Dena Bank

Vijaya Bank

Top Performing Private Sector Banks

HDFC Bank

ICICI Bank

AXIS Bank

Kotak Mahindra Bank

Centurion Bank of Punjab
http://en.wikipedia.org/wiki/Nigeriahttp://en.wikipedia.org/wiki/Nepalhttp://en.wikipedia.org/wiki/Commercial_Bank_of_Indiahttp://en.wikipedia.org/wiki/Canara_Bankhttp://en.wikipedia.org/wiki/Indonesiahttp://en.wikipedia.org/wiki/Tianjinhttp://en.wikipedia.org/wiki/Kenyahttp://en.wikipedia.org/wiki/Giro_Commercial_Bankhttp://en.wikipedia.org/wiki/Giro_Commercial_Bankhttp://en.wikipedia.org/wiki/Kenyahttp://en.wikipedia.org/wiki/Tianjinhttp://en.wikipedia.org/wiki/Indonesiahttp://en.wikipedia.org/wiki/Canara_Bankhttp://en.wikipedia.org/wiki/Commercial_Bank_of_Indiahttp://en.wikipedia.org/wiki/Nepalhttp://en.wikipedia.org/wiki/Nigeria


14/48

14

Top Performing Foreign Banks

Citibank

Standard Chartered

HSBC Bank

ABN AMRO Bank

American Express

SWOT Analysis

Strength

1. The biggest bank in the country

2. Has a separate act for itself. Thus, a special privilege.

3. Biggest branch network in the country

4. First public sector to move to CBS

Weakness

The risks that could ensue to SBI in time to come are as under:

SBI is currently operating at alowest CAR. Insufficient capital may restrict the growthprospects of the bank going forward.

Stiff competitioncould impact growth of SBI and hence slowdown in earnings growth.

Delay in technology upgradation could result in loss of market shares.

Slowdown in domestic economy would pose a concern over credit off-take therebyimpacting earnings growth.


15/48

15

Opportunity

1. Pool in talent to replace the going top management to serve the next generation

2. Make better use of its CRM

3. Expansion into rural areas

Threats

1. Consolidation among private banks

2.New bank licenses by RBI so there is increased competition in industry

3. Foreign banks that have sophisticated products

4. Lackluster performance of Indian Economy and Indian Rupee against foreigncurrency.


16/48

16

DIFFERENT PRODUCTS OF SBI

DEPOSIT LOANS CARDS DIFFERENT CREDIT

CARDS

SavingsAccount

HomeLoans

ConsumerCards

SBI International cards

Life PlusSeniorCitizensSavingsAccount

LoanAgainstProperty

CreditCard

SBI Gold cards

Fixed

Deposits

Personal

Loans

Travel

Card

SBI Gold Master cards

Security

Deposits

CarLoan DebitCards

Your City Your Cards

RecurringDeposits

LoansagainstSecurities

Commercial Cards

Tax-Saver

Fixed Deposit

Two

Wheeler

Corporate

Cards

Partnership Cards

SalaryAccount

Pre-approvedLoans

PrepaidCard

AdvantageWomanSavingsAccount

Retail Asset PurchaseCard

SBI Employee Cards

Rural SavingsAccount

FarmerFinance

Distribution Cards

People'sSavingsAccount

BusinessInstallment

Loans

BusinessCard

SBI Advantage Cards

FreedomSavingsAccount

Flexi Cash MerchantServices
http://www.icicibank.com/pfsuser/icicibank/depositproducts/savingaccount/savingaccount.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/savingaccount/savingaccount.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/savingaccount/savingaccount.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/savingaccount/savingaccount.htmhttp://www.icicibank.com/Pfsuser/loans/homeloans/hlhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/homeloans/hlhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/homeloans/hlhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/homeloans/hlhomepage.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/seniorcitizen/seniorcitizen.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/seniorcitizen/seniorcitizen.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/seniorcitizen/seniorcitizen.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/seniorcitizen/seniorcitizen.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/seniorcitizen/seniorcitizen.htmhttp://www.icicibank.com/Pfsuser/loans/lap/laphomepage.htmhttp://www.icicibank.com/Pfsuser/loans/lap/laphomepage.htmhttp://www.icicibank.com/Pfsuser/loans/lap/laphomepage.htmhttp://www.icicibank.com/Pfsuser/loans/lap/laphomepage.htmhttp://www.icicibank.com/Pfsuser/loans/lap/laphomepage.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/cc_home.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/cc_home.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/cc_home.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/cc_home.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/fixeddeposits/fixeddeposits.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/fixeddeposits/fixeddeposits.htmhttp://www.icicibank.com/Pfsuser/loans/personalloans/plhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/personalloans/plhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/personalloans/plhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/personalloans/plhomepage.htmhttp://www.icicibank.com/pfsuser/cards/travel_card/index.htmhttp://www.icicibank.com/pfsuser/cards/travel_card/index.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/Security_deposits/Security_deposits.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/Security_deposits/Security_deposits.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/Security_deposits/Security_deposits.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/Security_deposits/Security_deposits.htmhttp://www.icicibank.com/Pfsuser/loans/carloans/alhomepage.htmhttp://www.icicibank.com/pfsuser/cards/debitcard/dbhome.htmhttp://www.icicibank.com/pfsuser/cards/debitcard/dbhome.htmhttp://www.icicibank.com/pfsuser/cards/debitcard/dbhome.htmhttp://www.icicibank.com/pfsuser/cards/debitcard/dbhome.htmhttp://www.icicibank.com/Pfsuser/loans/las/lashomepage.htmhttp://www.icicibank.com/Pfsuser/loans/las/lashomepage.htmhttp://www.icicibank.com/Pfsuser/loans/las/lashomepage.htmhttp://www.icicibank.com/Pfsuser/loans/las/lashomepage.htmhttp://www.icicibank.com/Pfsuser/loans/las/lashomepage.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/taxsaverfixdep/taxfixeddeposits.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/taxsaverfixdep/taxfixeddeposits.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/taxsaverfixdep/taxfixeddeposits.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/taxsaverfixdep/taxfixeddeposits.htmhttp://www.icicibank.com/Pfsuser/loans/twowheeler/twhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/twowheeler/twhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/twowheeler/twhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/twowheeler/twhomepage.htmhttp://www.icicibank.com/pfsuser/cards/com_card/corporate_card1/co_card.htmhttp://www.icicibank.com/pfsuser/cards/com_card/corporate_card1/co_card.htmhttp://www.icicibank.com/pfsuser/cards/com_card/corporate_card1/co_card.htmhttp://www.icicibank.com/pfsuser/cards/com_card/corporate_card1/co_card.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/powerpay/powerpay.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/powerpay/powerpay.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/powerpay/powerpay.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/powerpay/powerpay.htmhttp://www.icicibank.com/Pfsuser/loans/preapprovedloans/preapploans.htmhttp://www.icicibank.com/Pfsuser/loans/preapprovedloans/preapploans.htmhttp://www.icicibank.com/Pfsuser/loans/preapprovedloans/preapploans.htmhttp://www.icicibank.com/Pfsuser/loans/preapprovedloans/preapploans.htmhttp://www.icicibank.com/Pfsuser/loans/preapprovedloans/preapploans.htmhttp://www.icicibank.com/Pfsuser/cards/prepaidcards/prepaid.htmhttp://www.icicibank.com/Pfsuser/cards/prepaidcards/prepaid.htmhttp://www.icicibank.com/Pfsuser/cards/prepaidcards/prepaid.htmhttp://www.icicibank.com/Pfsuser/cards/prepaidcards/prepaid.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/woman_adv/main.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/woman_adv/main.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/woman_adv/main.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/woman_adv/main.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/woman_adv/main.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/woman_adv/main.htmhttp://www.icicibank.com/Pfsuser/loans/RetailAssetBrances.htmhttp://www.icicibank.com/Pfsuser/cards/purchase_card/purchase_card.htmhttp://www.icicibank.com/Pfsuser/cards/purchase_card/purchase_card.htmhttp://www.icicibank.com/Pfsuser/cards/purchase_card/purchase_card.htmhttp://www.icicibank.com/Pfsuser/cards/purchase_card/purchase_card.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/ruralsav/rural_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/ruralsav/rural_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/ruralsav/rural_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/ruralsav/rural_fea.htmhttp://www.icicibank.com/Pfsuser/loans/FarmerFinance/ffhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/FarmerFinance/ffhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/FarmerFinance/ffhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/FarmerFinance/ffhomepage.htmhttp://www.icicibank.com/Pfsuser/cards/Distribution_Cards/Distribution_Cards.htmhttp://www.icicibank.com/Pfsuser/cards/Distribution_Cards/Distribution_Cards.htmhttp://www.icicibank.com/Pfsuser/cards/Distribution_Cards/Distribution_Cards.htmhttp://www.icicibank.com/Pfsuser/cards/Distribution_Cards/Distribution_Cards.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/cards/com_card/bus_card/bus_card.htmhttp://www.icicibank.com/Pfsuser/cards/com_card/bus_card/bus_card.htmhttp://www.icicibank.com/Pfsuser/cards/com_card/bus_card/bus_card.htmhttp://www.icicibank.com/Pfsuser/cards/com_card/bus_card/bus_card.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/bank_atm/bank_atm.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/bank_atm/bank_atm.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/bank_atm/bank_atm.htmhttp://www.icicibank.com/Pfsuser/loans/flexicash/fchomepage.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/merchant.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/merchant.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/merchant.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/merchant.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/merchant.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/merchant.htmhttp://www.icicibank.com/Pfsuser/loans/flexicash/fchomepage.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/bank_atm/bank_atm.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/bank_atm/bank_atm.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/bank_atm/bank_atm.htmhttp://www.icicibank.com/Pfsuser/cards/com_card/bus_card/bus_card.htmhttp://www.icicibank.com/Pfsuser/cards/com_card/bus_card/bus_card.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/peoplesav/people_fea.htmhttp://www.icicibank.com/Pfsuser/cards/Distribution_Cards/Distribution_Cards.htmhttp://www.icicibank.com/Pfsuser/cards/Distribution_Cards/Distribution_Cards.htmhttp://www.icicibank.com/Pfsuser/loans/FarmerFinance/ffhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/FarmerFinance/ffhomepage.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/ruralsav/rural_fea.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/ruralsav/rural_fea.htmhttp://www.icicibank.com/Pfsuser/cards/purchase_card/purchase_card.htmhttp://www.icicibank.com/Pfsuser/cards/purchase_card/purchase_card.htmhttp://www.icicibank.com/Pfsuser/loans/RetailAssetBrances.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/woman_adv/main.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/woman_adv/main.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/woman_adv/main.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/woman_adv/main.htmhttp://www.icicibank.com/Pfsuser/cards/prepaidcards/prepaid.htmhttp://www.icicibank.com/Pfsuser/cards/prepaidcards/prepaid.htmhttp://www.icicibank.com/Pfsuser/loans/preapprovedloans/preapploans.htmhttp://www.icicibank.com/Pfsuser/loans/preapprovedloans/preapploans.htmhttp://www.icicibank.com/Pfsuser/loans/preapprovedloans/preapploans.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/powerpay/powerpay.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/powerpay/powerpay.htmhttp://www.icicibank.com/pfsuser/cards/com_card/corporate_card1/co_card.htmhttp://www.icicibank.com/pfsuser/cards/com_card/corporate_card1/co_card.htmhttp://www.icicibank.com/Pfsuser/loans/twowheeler/twhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/twowheeler/twhomepage.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/taxsaverfixdep/taxfixeddeposits.htmhttp://www.icicibank.com/Pfsuser/icicibank/depositproducts/taxsaverfixdep/taxfixeddeposits.htmhttp://www.icicibank.com/Pfsuser/loans/las/lashomepage.htmhttp://www.icicibank.com/Pfsuser/loans/las/lashomepage.htmhttp://www.icicibank.com/Pfsuser/loans/las/lashomepage.htmhttp://www.icicibank.com/pfsuser/cards/debitcard/dbhome.htmhttp://www.icicibank.com/pfsuser/cards/debitcard/dbhome.htmhttp://www.icicibank.com/Pfsuser/loans/carloans/alhomepage.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/Security_deposits/Security_deposits.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/Security_deposits/Security_deposits.htmhttp://www.icicibank.com/pfsuser/cards/travel_card/index.htmhttp://www.icicibank.com/pfsuser/cards/travel_card/index.htmhttp://www.icicibank.com/Pfsuser/loans/personalloans/plhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/personalloans/plhomepage.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/fixeddeposits/fixeddeposits.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/fixeddeposits/fixeddeposits.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/cc_home.htmhttp://www.icicibank.com/pfsuser/cards/creditcard/cc_home.htmhttp://www.icicibank.com/Pfsuser/loans/lap/laphomepage.htmhttp://www.icicibank.com/Pfsuser/loans/lap/laphomepage.htmhttp://www.icicibank.com/Pfsuser/loans/lap/laphomepage.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/seniorcitizen/seniorcitizen.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/seniorcitizen/seniorcitizen.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/seniorcitizen/seniorcitizen.htmhttp://www.icicibank.com/Pfsuser/loans/homeloans/hlhomepage.htmhttp://www.icicibank.com/Pfsuser/loans/homeloans/hlhomepage.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/savingaccount/savingaccount.htmhttp://www.icicibank.com/pfsuser/icicibank/depositproducts/savingaccount/savingaccount.htm


17/48

17

Honors and Awards

Banks achievements in various fields have received national and internationalrecognition as enumerated below:

FE Best Banks Award-Award for Initiatives

National Award- 2011-12 Best Bank for Excellence in the field of Khadi & VillageIndustries (PMEGP)

Agriculture Leadership Award 2012 from Agriculture Today under Development

Leadership category.

Best IT driven Innovation Award in Banking in the Country from NASSCOM

was awarded to APGVB, RRB sponsored by SBI.

Ministry of Rural Development, GOI, awarded Certificate of Excellence forBanks proactive role in establishingRural Self Employment Training Institutes acrossthe country during the year 2011-12.

Asias Best CSR Practice Award instituted by CMO Asia has been awarded to the

Bank in Singapore.

Asian CSR Leadership Award 2012 has been conferred to the Bank in Dubai.

IPE Best CSR Award2012.

Most Caring Companies of India Award2012.

Star of the Industry Award for excellence in Banking (PSU)2012.

Golden Peacock Award 2012 in Corporate Governance by the Institute of Directorson 11th October 2012.

Golden Peacock Award 2012 in National Training Award-2012


18/48

18

Introduction to Advance Product

SBI Advance Product

Statement the Problem

Research objectives

Significance and scope

CCHHAAPPTTEERR--22


19/48

19

Introduction to Advance Product

Now a day not all the people have the capacity to fulfill their requirement by their ownearning, thats why they need help from others. For this so many government & privatesector bank provide them money to fulfill their requirement, thats call the Advance Product(loan product) of the bank. All the banks have so many different types of advance product as

per the requirement of the people or customers. In Kanpur also there are so many banks thoseprovide loan to the people for different causes.

Types of Advance Product

Home Loan Educational Loan Car Loan Personal Loan Property Loan Loan Against Shares\Debentures Cash Credit/Term Loan (for SMEs) Etc.

Now a day a large no. of people are taking loan from different banks. It helps people to fulfill

their need and it really easy to repayment the loan amount with a longer repayment period.

SME Loans

SME finance is the funding of small and medium sized enterprises, and represents a major function

of the general business finance market in which capital for different types of firms are supplied,

acquired, and costed or priced. Capital is supplied through the business finance market in the form of

bank loans and overdrafts; leasing and hire-purchase arrangements; equity/corporate bond issues;

venture capital orprivateequity and asset-based finance such as factoring and invoice discounting.
http://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_equityhttp://en.wikipedia.org/wiki/Private_equity


20/48

20

Significance

Without SME loans, most Business person could not afford to start or expansion of their

business. The SME sector and related industries are a large share of the Indian gross

domestic product (GDP). It covers a whole contribution of about 17 percent to 18 percent of

the nations GDP.

Function

The most common purpose of a SME loan is to provide the funds a buyer needs to purchase

the Land, construction of building, Machinery, Office equipment, purchase of raw material

and bear labor cost.

Types

The two most widely used types of SME loans are fixed-rate and adjustable-rate loans. A

fixed-rate loan keeps the same interest rate for the life of the loan, which means that the

principal and interest portions of the monthly payment stay the same.

Adjustable-rate mortgages begin with a lower interest rate for the first few years and then

adjust to market rates after the initial period is over. Caps are placed on how much the rate

can adjust at any one time, as well as on how much the rate can increase over the life of the

loan. This means the principal and interest portions of the monthly payment change

repeatedly through the life of the loan.

Effects

Because SME loans are a large share of the financial situation of the majority of Indian,

taking the time to determine the right type of loan and to investigate terms is essential for any

Organization.


21/48

21

SBI SME LOAN

SME Term loanSME open term loan

SME smart score

SME collateral free loan

Purpose

Working capital needs (Fund Based+ Non Fund Based).

Term loan for construction of Building, office, acquisition of machines/equipments includingexpansion and modernization of the unit. Expansion and modernization. Substitution of high cost debts/ high cost term debts of other banks/FIs. Design and introduction of new lay-outs in the factory to enhance productivity. Up gradation of technology & energy conservation schemes/ machinery. Acquisition of software, hardware, consumable tools, jigs, fixtures, vehicles, equipment , furnitureupholstery etc. Acquisitions of ISO & other similar certifications. Visits abroad for acquiring technology, finalizing business deals, participating in exhibitions/ fairs

for market

promotion etc.R &D activities of the units in overall business development objective.

Eligibility

New and existing Micro and Small Enterprises engaged in Manufacturing and Service sector. ForManufacturing sector, original investment in plant & machinery should be upto Rs 5 crore and forService sector, original investment in equipment upto Rs 2 crore.

It also include those who have small and medium enterprise units engaged in manufacturing,trade or cervices of leather goods.

Minimum age18 years as on the date of sanction

Maximum agelimit for a SME Loan borrower is fixed at 70 years, i.e. the age by which theloan should be fully repaid.

Availability of sufficient, regular and continuous source of income for servicing the loanrepayment.


22/48

22

Leather Industries in Kanpur and Unnao

Once known as the Manchester of India, Kanpur city has made a strong impact on Indiasbusiness

landscape, and at the global level, too. Situated around 80km from Lucknow, the capital city of Uttar

Pradesh, Kanpur stands on the banks of the river Ganga. The leather industry, which is now one of

the biggest industry of Kanpur city with Unnao, earns Rs.6,000 crore a year in revenue. The cityprovides employment to 3.5 lakh people, of which about 2.25 lakh employees work in the organized

sector and 1.25 lakh in the unorganized sector.The most advantageous things are that there is thebetter power supply and better road transport facilities for our businesses. Another big advantage is

that there is the good availability of skilled labor.

Talking about businesses in the leather industry in Kanpur, Anil Gupta, owner of Prachi Leathers,

states, In our industry, environmental norms are stringent, and need to be followed at any cost. Forexample, we have a common effluent treatment plan, which caters to several SMEs in the leather

segment in the region. The capacity of this plant is quite low as compared to the actual requirement.

This needs to be checked. Proper monitoring on a regular basis is very much needed. Entrepreneurs

too must adhere to the requirements, and follow the guidelines honestly.

Guptas company exports leather shoes to the US, Italy, Germany, Canada and other countries.

Similarly, Kanpur has plenty of firms that are operate on a global scale, and enjoy great credibility

internationally.

The city has high regards for its business capabilities and products. The credit for the citys high

reputation and credibility at a global level largely goes to the entrepreneurs, who strive hard to make

a positive impact in the market. No matter what the local challenges, no matter how tough businessconditions are, the entrepreneurs from this part of the world will continue to grow, with this positive

attitude towards business.

Environmental impact

In addition to the other environmental impacts of leather, the production processes have a high

environmental impact, most notably due to:

Heavy use of chemicals which causes pollution by the tanning process.

Air pollution due to the transformation process, i.e. Hydrogen Sulfide during dehairing and

Ammonia during deliming, solvent vapors.

One tonne of hide or skin generally leads to the production of 20 to 80 m3 of turbid and foul-

smelling wastewater, including chromium levels of 100400 mg/L, sulfide levels of 200800 mg/L

and high levels of fat and other solid wastes, as well as notable pathogen contamination. Pesticides

are also often added for hide conservation during transport. With solid wastes representing up to 70%

of the wet weight of the original hides, the tanning process comes at a considerable strain on water

treatment installations.


23/48

23

Treatment of polluted Water

For maintain the purity of water, treatment of water are being done in two step process: Primary treatment of water

Secondary treatment of water

Primary treatment

Primary treatment being done by all the Tannery by theirselve. In this process they treat the polluted

water and try to separate the large part of pollutants and after that they use some process to separate

some chemicals. For this treatment Tanner setups the Machinery by their own fund where sludge in

the effluent can settle and where the pH is adjusted14. This means that the water they let out of theirplant should contain no more than 600 mg per liter of suspended solids, 45 mg per liter of chrome

and the pH should be in the range of 6.5 to 9.0.

Secondary treatment

After treated by the Primary process water goes through Secondary treatment process. This process

is the responsibility of state government. Government collects all the Primary treated water by all the

Tannery and treats it with a standard and specific process to separate all the pollutant and make it

more clear water.After treated by all the processes, the treated water passes into the River for the sustainability and

availability of water.


24/48

24

Government Regulation and Support

Since pollution is considered an externality, i.e. a cost of production that is not included in aproducts market price, it is also considered a market inefficiency that the government could (orshould) regulate to correct. Environmental regulation is the single most important factor to influencefirms to consider environmental issues.The decision of how to respond to environmental regulations is based on a consideration of the

potential economic benefits or disadvantages of complying and not complying. Firms that are morerestricted financially (often smaller firms) are less likely to formulate an environmental plan thanfirms that are better off. Hence, less profitable firms are more likely to have a lower environmental

performance. In addition, the regulators must have the administrative capacity to enforce theregulations.For the tanning industry, there are no international regulations, only domestic. However, the want toincrease exports may induce governments and firms to let regulation other than the domestic

influence production activities.The Government of India has announced various initiatives to make the leather industry morecompetitive. Key policy initiatives include:

De-licensing of integrated tanneries that convert raw hides and skins into finished leather.Several leather goods have been de-reserved from the Small Scale sector.

Free import of raw hides & skins, semi-finished and finished leather. Concessional duty on imported machinery and chemicals. Free export of raw hides & skins, semi-finished and finished leather and leather products.

For the tanning industry in India, the main focus of the regulations has been on water pollution ratherthan problems related to air pollution and solid waste. In Kanpur, water pollution issues came into

focus with the Ganga Action Plan (GAP), established by the Central and the UP governments in1985. The GAP required that the water quality should be monitored and primary treatment ofeffluents should be undertaken. Under the GAP, another project, aided by the Dutch developmentagency, operated from 1987 to 1994 with the mission to prevent pollution of the river Ganges andimprove living conditions of people in Jajmau. Among other things, this project included theconstruction of the CETP to treat tannery effluent. The regulations that the tanneries have to meettoday are all related to water pollution, and the regulations have remained unchanged during the1990s. There are certain standards for pH, total suspended solids, sulfides and chrome that thetannery effluent shall not exceed. Hence, all tanneries are required to treat their effluent beforeletting it out either to the sewer system or to a river.


25/48

25

Statement of problem

SBI Local Head Office, Lucknow allotted my internship is Study on Scope and

Opportunities to increase our SME business in Leather Industries at Kanpur and

Unnao Center

To find out what kind of service provide by the competitors in advance product.

To find out the need and want of the customers of leather industries and hence

formulate the strategy to level the economy in the society.

How the products are helping the business.

To know the utility of the product.

To find out the need of the customer in Jajmau, Kanpur region and in Unnao introduce

new product or facilitate new service in existing product.

Research objectives

Summer Internship is mutually beneficial both for me and for the bank. It gave mepractical exposure and helps me in developing my interpersonal skills and acquiringon road side skills-

First and foremost objective is to explore the possibilities of SME Business inKanpur and Unnao.

Generating leads of SME loans from my collected information through surveyforms

To maintain good relationship with old customer and try to find out theirsatisfaction level.

To know the competitors market share in Kanpur.


26/48

26

To know what kind of services competitor gives to their customers.

To place SBI Advance Product ahead of the competitors.

Switch other banks SME Loan customer to the State Bank of India.

To make the customer aware of the benefits of the product and convince him togo for SBI Advance Product.

Significance and scope

The geographical scope of the study is restricted to Knapur only with sample size of40 people.

All the analysis and suggestions are based on the analysis of the both primary andsecondary data.

Therefore the scope of the study revolves around the following aspects:-

Consumer perception towards SBI SME Loan and services.

Consumer awareness about SME Financing Product scheme and its benefit.

Aware the Bank about the customer problems, especially in case of SME Loandocumentation and about the accounts of the employees working in theTannery.


27/48

27

Research methodology

CCHHAAPPTTEERR--33


28/48

28

Research methodology

Research methodology is a methodology for collecting all sorts of information & data

pertaining to the subject in question. The objective is to examine all the issues involved &

conduct situational analysis. The methodology includes the overall research design, sampling

procedure & fieldwork done & finally the analysis procedure. The methodology used in the

study consistent of sample survey using both primary & secondary data. The primary data

has been collected with the help of questionnaire as well as personal observation book,

magazine; journals have been referred for secondary data. The questionnaire has been drafted

& presented by the researcher himself.

Sample Size:

Sample of 40 people was taken into study, and their data was collected

Sampling Technique:

To study the Project, a Simple Random Sampling technique is used.

Data Collection:

Data collection is mainly dealt with the way data is collected. We have

Collected data mainly through two ways-

1. Primary data collectionwe collected primary data by visiting individual2. Houses and meeting with individual persons. We also visited some apartments3. In Jajamu(Knapur), Leather Technology Park, Banther(Unnao) and Akrampur

Industrial Area(Unnao). Here we meet with Managers and chief accountants ofthe Tanneries and tried to find the information about their requirement of fundto run or expansion of their business.

4. We also gave information to them and filled survey sheet by them.


29/48

29

1. Secondary data collectionit is collected through secondary sources like dataof already provided loan from the branch of Bank. After that we make call tothem and make survey with visit.

Data Analysis:

After data collection, Im able to analyze customers views, ideas and opinions

related to Advance Product and about SBI Advance Product and from this, SBI

will come to know the customer requirements.

Data Interpretation:

For easy interpretation of data table chart, pie chart, line and bar chart used with

Some Quantitative technique. The total no. of respondent is taken as 100% and

their response is denoted in percentage. It is very conspicuous for a person to

understand it.

Classification & tabulation of data:

The data thus collected were classified according to the categories,

counting sheets & the summary tables were prepared. The resultant

tables were one dimensional, two dimensional.

Statistical tools used for analysis:

Out of the total respondents, the respondents who responded logicallywere taken into account while going into statistical details & analysis of

data. The tools that have been used for analyzing data & inference

drawing are mainly statistical tools like percentage, ranking, averages,

etc.

As per questionnaire and market surveys I have find out different responses from

different people. According to their responses I analyze the findings and draw certain

remarks.


30/48

30

Analysis of data

CCHHAAPPTTEERR--44


31/48

31

GRAPHICAL REPRESENTATION OF DATA

Q1. On which bank you depend for your regular transaction?

SBI 47 % (94)

Any other PSUs 37.5 % (75)

Private bank 17% (26)

Foreign Bank 1.5% (03)

TOTAL NO. OF PEOPLE 200

It has been observed that approximately 47% correspondents are using the service of SBI fortheir daily transaction, around 33.5% of people are using the services of other PSUs (MainlyBank of Baroda, PNB, Vijaya Bank, Corporation Bank) for their transaction and 17% of

people are using HDFC, ICICI& other Private Bank service respectively in Kanpur andUnnao. Only 1.5%people uses foreign banks. It also shows that SBI have the highest market

position in Kanpur and Unnao as per my sample.

Sales

State Bank of India Other PSUs Any private Bank Foreign Bank


32/48

32

Q2. Are you satisfied with the products & services provided by SBI?

YES 90% (36)

NO 10% (04)

Total No. of People 40

We can say that customers (around 90%) in Kanpur and Unnao have the idea about the Loan forSMEs ofSBI they know about the all current offers of in LOANs , the rest 10% have the idea aboutthe product they are using. In this 10% most of the people are from typically small producers of RawMaterial.

YES

90%

NO10%


33/48

33

Q3. If yes are you aware of the loans for SMEs of SBI?

YES 95%

NO 05%


It is clear that most of the people have the idea about the advance product of SBI. Almost allthe 90% people who have the idea about the advance product are the user of SBI product &

service.

95%

5%

% OF PEOPLE

YES

NO


34/48

34

Q4. Which bank you prefer for taking loans?

SBI 38% (15)

BOB 13% (05)

STANDARD CHARTARED 13% (05)

OTHER 38% (15)


According to my sample size 38% of people prefer SBI for loan product, but some people

prefer BOB, Standard Chartard Bank or OTHER Bank for loan because they are working

with that bank & it is easier for them to get loan from their bank & it easier for them to pay

the interest because it is less as compare to other bank because they are the employee of that

bank.

38%

13%13%

38%

Sales

SBIBOB

standard chartard

OTHER


35/48

35

Q5. What do you feel about the services providing by SBI in Loan for SMEs?

Dissatisfactory 4%

Moderate 52%

Satisfactory 37%

Delighted 7%


From this it is clear that the service provide by SBI in its advance product is good in betweenthe customer. All of them satisfy with the product provide by SBI. 55% of people said thatthe service provide by SBI is good & 43% said it is excellent & just 2% of people said that itis satisfactory.

4%

52%

37%

7%

CUSTOMER PERCEPTION TOWARDS THE SERVICEPROVIDE BY SBI IN ADVANCE PRODUCT

Dissatisfactory

Moderate

Satisfactory

Delighted


36/48

36

Q6. Which features you like most in Loan segments of SBI?

LESS PAPER WORK 3%

ATTRACTIVE INTEREST RATE 35%

TRANSPARENCY 20%

FAST PROCESSING 2%

LONGER REPAYMENT PERIOD 40%

HOME LOANS SERVICES 55%

EMPLOYEE BEHAVIOUR 82%


From this it is clear that the service provide by SBI in its advance product is good in betweenthe customer. All of them satisfy with the product provide by SBI. 55% of people said thatthe service provide by SBI is good & 43% said it is excellent & just 2% of people said that itis satisfactory.


37/48

37

Most of the people like the attractive interest rate & longer repayment period. Itseasier forpeople to repay the whole loan amount with its interest with low interest rate and with longer

repayment period.

0%10%20%30%40%50%60%

70%80%90%

FEATURES LIKE BY CUSTOMER


38/48

38

Findings Suggestion & Recommendation Conclusion

CCHHAAPPTTEERR--55


39/48

39

PROJECT Findings:

From this project it is found that SBI SME Loans having the 1

st

place in the market atKanpur and Unnao, but HDFC and ICICI also working hard for for improving their

market share in SME loan segment so they are the main threat or competitor.

It has been observed that a person first of all come to the SBI for sanctioning their

loan but bad response from SBI force them to switch to the other bank.

All of SBI customers are satisfied with the services provided by the bank.

Many of these customers are well aware of SBI and satisfied with the low interest rate

and longer repayment period of the advance product.

Most of the customers at Kanpur and Unnao feels that SBI really trying hard for

improving their services.

A response from customer care is so clear & good.

Many customers have no time to call customer care so that they are not able to know

about the service & features of SBI advance product.

Most customers are shifted from other banks advance product to SBI because of

hidden charges, high interest rate, less repayment period.

REASONS FOR HIGHLY USE OF SBI ADVANCE PRODUCT:

LOWEST INTEREST RATES IN INDUSTRY

LONGER REPAYMENT PERIOD THAT IS OF 30 YEARS

LOWEST EMI FOR SME LOANs

INTEREST CHARGED UPON REMAINING OF BALANCE

QUICK PROCESSING


40/48

40

Suggestion & Recommendation

Recommendation:

Customer awareness programme is required so that more people should attract

towards advance product.

If there are any kind of hidden charges than that must disclose to customer before

giving loan to them.

SBI must take some steps so that customers can get their loan in time. Like phone

verification by customer care that one customer is got their loan on time or not. It

must be before a certain date so necessary steps can be taken. SBI should more concern about physical verification rather than phone verification so

it will avoid fraud or cheating.

Advance product selling agents must not give any type of wrong information

regarding advance product.

For the better service new offers would be require.

SBI customer care should more concern about the fastest settlement of customer

problems.

Before deducting or charging any monetary charge SBI must consult with customer.

Agents should be trained, well educated & proper trained to convince the people about

different advance product.

It is the duty of the bank to disclose all the material facts regarding advance product,

like interest charged, repayment period, other types of charges, etc.

Special scheme should be implemented to encourage both customer and agents.

The bank should increase the period for repayment of loan.

SBI should more focus on Retaining existing customers.

SBI must focus on Segmentation based on customer knowledge Product offering

based on customer demand.

SBI must take feedbacks of customers regarding features & services.


41/48

41

Conclusion

From the analysis part it can be conclude that customers have a good respond towards SBI

advance products in Kanpur and Unnao. SBI is in 1st position having large number of

customers & providing good services to them. The bank has a wide customer base, so the

bank should concentrate on this to retain these customers.

In present scenario SBI is the largest advance product issuer in India. Within a very short

period of time the achievement made by SBI is excellent, what a normal bank cannot expect,

but it is being done by SBI. It happens due to employee dedication towards the organization,

fastest growing Indian economy, & brand image.

To be the largest advance product issuer, SBI should focus on-

Launch Innovative product

Customized advance products

Better customer services Fastest customers problem solving techniques

Customer retention

Apart from all the above, SBI believe in providing good customer services to their customers

which is a key factor for success in future.


42/48

42

AAnnnneexxuurree


43/48

43

SURVEY FORMAT (EXISTING UNITS)

Name of the Unit/ Firm

Date of establishment

Type of Business/Industry

Address of the Unit/Firm

Unit on rent/lease/owner shop

Mobile No.

Telephone No.

e-mal ID

Banking with

Credit facility availed Y/N

If Yes, name of Bank

Type of credit facility Cash Credit/Term Loan

Amount of loan availed

If no, type of credit facility

required

Fund based: Cash Credit/Term Loan

Non fund based: LC/BG

Willing to take loan from SBI

Amount of Loan required

Impression about SBI Excellent/Good/Average/Below Average

Survey carried out by

MANISH KUMAR SINGH


44/48

44

SOME EXAMPLES OF THE SURVEY CONDUCTED BY OUR TEAM

Sample 1


Name of the Unit/ Firm Rahman Industries Ltd.

Date of establishment 28/10/1991

Type of Business/Industry Manufacturing and export of Leather Goods

Address of the Unit/Firm 184/167, Wajidpur, Jajmau, Kanpur

Unit on rent/lease/owner shop Owner

Mobile No.

Telephone No.

e-mal ID

98395006700512-23931400,23931441

Banking with SBI Overseas Branch Kanpur

Credit facility availed Yes

If Yes, name of Bank SBI

Type of credit facility -

Amount of loan availed 216 Crores on Credit


required

Fund based: Cash Credit/Term Loan

Non fund based: LC/BG

Willing to take loan from SBI -


Impression about SBI

-

Good


45/48

45

Sample 2


Name of the Unit/ Firm Tanners India

Date of establishment 1992

Type of Business/Industry Leather Industry

Address of the Unit/Firm 150 Feet Road, 38A Jajmau, Kanpur


Mobile No.

Telephone No.

e-mal ID

[email protected]

Banking with JK Bank, SBI, BOB


If Yes, name of Bank -

Type of credit facility -

Amount of loan availed -


required

-

Willing to take loan from SBI Yes


Impression about SBI

As per need

Below Average
mailto:[email protected]:[email protected]


46/48

46

Sample 3


Name of the Unit/ Firm Alite Tannery

Date of establishment 1970

Type of Business/Industry Leather Industry

Address of the Unit/Firm 116-C, Gajjupurwa, 150 Feet Road, Jajmau,Kanpur


Mobile No.

Telephone No.

e-mal ID

8400518424

Banking with SBI


If Yes, name of Bank SBI

Type of credit facility Cash Credit

Amount of loan availed --


required

--

Willing to take loan from SBI No


Impression about SBI Excellent


47/48

47

RReeffeerreenncceess


48/48

References

http://www.sbi.co.in/user.htm

http://www.sbi.co.in/webfiles/uploads/files/1373614553213_SBI_UNABRIDGED_ANNUAL_REPORT_2012_13_ENGLISH.pdf

http://www.deal4loans.com/home-loans-interest-rates.php

http://www.moneycontrol.com/company-facts/statebankindia/shareholding-

pattern/SBI

http://www.businessdictionary.com/definition/research-methodology.html#ixzz2bRyCysu7

Found out Leather Industries in Kanpur and Unnao with its Impact on Environment fromCHALLENGES FACED BY LEATHER INDUSTRY IN KANPUR.A Journal by Shivam Gupta(IIT Kanpur)

Found the Government Regulation and Support from Strategies for Enhancing theCompetitiveness of Leather Industry in India.

A Research paperby Mrs. Anamika Singh
http://www.sbi.co.in/user.htmhttp://www.deal4loans.com/home-loans-interest-rates.phphttp://www.moneycontrol.com/company-facts/statebankindia/shareholding-pattern/SBIhttp://www.moneycontrol.com/company-facts/statebankindia/shareholding-pattern/SBIhttp://www.moneycontrol.com/company-facts/statebankindia/shareholding-pattern/SBIhttp://www.moneycontrol.com/company-facts/statebankindia/shareholding-pattern/SBIhttp://www.businessdictionary.com/definition/research-methodology.html#ixzz2bRyCysu7http://www.businessdictionary.com/definition/research-methodology.html#ixzz2bRyCysu7http://www.businessdictionary.com/definition/research-methodology.html#ixzz2bRyCysu7http://www.businessdictionary.com/definition/research-methodology.html#ixzz2bRyCysu7http://www.businessdictionary.com/definition/research-methodology.html#ixzz2bRyCysu7http://www.businessdictionary.com/definition/research-methodology.html#ixzz2bRyCysu7http://www.moneycontrol.com/company-facts/statebankindia/shareholding-pattern/SBIhttp://www.moneycontrol.com/company-facts/statebankindia/shareholding-pattern/SBIhttp://www.deal4loans.com/home-loans-interest-rates.phphttp://www.sbi.co.in/user.htm

Documents

CONTENT1 Final to Print