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1

A PROJECT REPORT

ON

MANAGEMENT INFORMATION SYSTEM (MIS)IN RESERVE BANK OF INDIA

SUBMITTED TO UNIVERSITY OF MUMBAI IN

PARTIAL FULFILLMENT

 FOR THE REQUIREMENT OF THE DEGREE OF

M.COM-I

(BUSINESS MANAGEMENT)

SEMESTER 1

 

UNDER GUIDANCE OF PROF.MR. S.N.CHITALE

VPM’S K.G. JOSHI COLLEGE OF ARTS

 N.G. BEDEKAR COLLEGE OF COMMERCE THANE

ACADEMIC YEAR: !1"-1#

ADITI H. HANDE

ROLL NO. 1"

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DECLARARTION

I A$%&% H'$ *&+$,% % M.COM-I (B+*%** M''&) /0,

$23'0* &/'& I /'4 $5 ' 60572& 5 M''& I850'&%5 S,*&(MIS) I R*04 B'9 O8 I$%' A* 0+%0$ , &/ +%40*%&, 0+3*; I

*&'& &/'& &/ <509 60*&$ % &/%* &/*%* %* 50%%'3 % '&+0 '$ &5 &/

 *& , 95<3$; /'* 5& *+%&&$ *5 8'0 &5 ', 5&/0 

+%40*%&,.

=/40 0802* /'4 '$ &5 &/ <509 58 5&/0*; %& %* 23'03,

%$%2'&$ % &/ *5+02* 58 %850'&%5 % 0802*.

(A$%&% H'$)

P3'2: T/'

D'&:

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3

ACKNOWLEDGEMENT

I& %4* 0'& 63'*+0 &5 $23'0 &/'& , 60572& 5 M''&

I850'&%5 S,*& I RBI /'4 606'0$ 6+03, 805 &/ 65%& 58 4%< 58 *&+$&* 0+%0&*.

T/%* 60572& 2540* '33 &/ %850'&%5 60&'%% &5 MIS. I /'$ &0%$ ,

 *& &5 <0%& 60572& % *%63 '$ 3+2%$ '0. I /'4 &0%$ &5 '45%$

+2**'0, $%*2+**%5* '$ $&'%3*. A& &/ *' &% %& 6054%$* '33 &/

2**'0, %850'&%5. I 83 &/'& %& <5+3$ 58 %* /36 &5 &/

*&+$&* '* <33 '* '33 5&/0* 0800% % +6$'&% &/%0 95<3$.

I ' %$&$ &5 5+0 60%2%6'3 D0. M0*. S/'9+&'3' A. S%/ M'$' 850 

%4% +* *+2/ ' '<*5 56650&+%&,. I ' '3*5 &/'98+3 &5 5+0 25-

50$%'&50 M0. D.M. M+0$*/<'0 S%0 '$ '3*5 3%0'0%' '$ ,

2533'+* 850 &/%0 4'3+'3 *+6650&; 25-560'&%5 '$ 25+0'& %

2563&% , 60572&.

S62%'3 &/'9* &5 P058. M0. S.N.C/%&'3 , %&0'3 +%$ 850 &/%* 60572&

850 %4% >60& +%$'2; 8+33 *+6650& '$ 25+0'& %

2563&% , 60572& *+22**8+33,.

I &'9 &/%* 56650&+%&, &5 &/'9* , 6'0&* 850 %4% +%$'2 '$ 850 

&/%0 6'&%2 '$ +$0*&'$% </%3 I ' +*, <%&/ , 60572&

<509.

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4

EXECUTIVE SUMMARY

M''& %850'&%5 S,*&* (MIS) *5&%* 0800$ &5 '* I850'&%5 M''&

'$ S,*&* '0 &/ $%*2%63% 2540% &/ '663%2'&%5 58 6563; &2/535%*; '$ 6052$+0*

25332&%43, 2'33$ %850'&%5 *,*&*  &5 *534% +*%** 6053*. M''&

I850'&%5 S,*&* '0 $%*&%2& 805 0+3'0 %850'&%5 *,*&* % &/'& &/, '0 +*$ &5

''3,? 5&/0 %850'&%5 *,*&* '663%$ % 560'&%5'3 '2&%4%&%* % &/ 50'%?'&%5.

A2'$%2'33,; &/ &0 %* 2553, +*$ &5 080 &5 &/ 05+6 58 %850'&%5 ''&

&/5$* &%$ &5 &/ '+&5'&%5 50 *+6650& 58 /+' $2%*%5 '9%; .. D2%*%5 S+6650&

S,*&*; E>60& *,*&*; '$ E>2+&%4 %850'&%5 *,*&*. T/ &0* MIS '$

%850'&%5 *,*&  '0 58& 258+*$. I850'&%5 *,*&* %23+$ *,*&* &/'& '0 5&

%&$$ 850 $2%*%5 '9%. MIS %* *5&%* 0800$ &5; % ' 0*&0%2&%4 **; '*

%850'&%5 &2/535,  ''&. T/'& '0' 58 *&+$, */5+3$ 5& 258+*$ <%&/

256+&0 *2%2 . IT *04%2 ''& %* ' 60'2&%&%50-852+*$ $%*2%63%. MIS /'* '3*5

*5 $%8802* <%&/ E&060%* R*5+02 P3'% (ERP) '* ERP %250650'&* 3&* &/'&

'0 5& 2**'0%3, 852+*$ 5 $2%*%5 *+6650&

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5

INDEX

S0.N5 T56%2 P' N5

C/'6&01 M''& I850'&%5 S,*& @-1

1.1 I&05$+2&%5 @1. O0%% A$ E453+&%5

1. MIS A$ S'33 B+*%** 11

1." T,6* T0%535, 1

1.# O72&%4* O8 MIS 1#

1.@ C/'0'2&0%*&%2* O8 MIS 1@

1. A$4'&'* O8 MIS 1

1. S&6* I MIS 1

1. E&060%* A663%2'&%5 1C/'6&0 MIS I B'9% -@

.1 I&05$+2&%5

. R34'2 O8 MIS I B'9% I I$%'

. N$ F50 B+%3$% MIS "

." A663%2'&%5 O8 D'&' M%% D'&'

='0/5+*% I B'9*

#

C/'6&0 MIS I RBI -#

.1 R*04 B'9 O8 I$%' . M''& I850'&%5 S,*&

. D'&' M5$3 F50 I850'&%5 S,*& 1

." M&' D'&' D%02&50,

.# T2/535, A$ D*%

.@ O0'%?'&%5 S&0+2&+0 F50 I850'&%5

M''&

"

C523+*%5 @

B%3%50'6/,

CHAPTER1: MANAGEMENT INFORMATION SYSTEM (MIS)

INTRODUCTION

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A ''& %850'&%5 *,*& (MIS) 6054%$* %850'&%5 &/'& 50'%?'&%5*

0+%0 &5 '' &/*34* 88%2%&3, '$ 882&%43,. M''& %850'&%5

*,*&*  '0 &,6%2'33, 256+&0 *,*&* +*$ 850 ''%. T/ *%> 60%'0,

2565&* 58 ' MIS '0: 1.H'0$<'0 .S58&<'0 .F%0<'0 ".D'&' (%850'&%5

850 $2%*%5 '9%) #. P052$+0* ($*%; $4356& '$ $52+&'&%5) '$

@. P563 (%$%4%$+'3*; 05+6* 50 50'%?'&%5*).

M''& %850'&%5 *,*&* '0 $%*&%2& 805 5&/0 %850'&%5 *,*&*  %

&/'& &/, '0 +*$ &5 ''3,? '$ 8'2%3%&'& *&0'&%2 '$ 560'&%5'3 '2&%4%&%*.

A2'$%2'33,; &/ &0 %* 2553, +*$ &5 080 &5 &/ *&+$, 58 /5< %$%4%$+'3*;

05+6*; '$ 50'%?'&%5* 4'3+'&; $*%; %63&; ''; '$ +&%3%?

*,*&* &5 0'& %850'&%5 &5 %6054 88%2%2, '$ 882&%4** 58 

$2%*%5 '9%; %23+$% *,*&* &0$ $2%*%5 *+6650& *,*&*; >60&

*,*&*; '$ >2+&%4 %850'&%5 *,*&*. M', +*%** *2/553* (50 2533* 58 

 +*%** '$%%*&0'&%5 <%&/% +%40*%&%*) /'4 ' MIS $6'0&&; '35*%$

$6'0&&* 58 '225+&%; 8%'2; ''&; '09&%; '$ ', '<'0$$0* ('& +$00'$; '*&0*; '$ P/D 343*) % MIS.

A ''& %850'&%5 *,*& (MIS) %* ' 256+&0%?$ $'&''* 58 8%'2%'3

%850'&%5 50'%?$ '$ 6050'$ % *+2/ ' <', &/'& %& 605$+2* 0+3'0 

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0650&* 5 560'&%5* 850 40, 343 58 ''& % ' 256',. I& %* +*+'33,

'3*5 65**%3 &5 5&'% *62%'3 0650&* 805 &/ *,*& '*%3,. T/ '% 6+065* 58 

&/ MIS %* &5 %4 ''0* 8$'29 '5+& &/%0 5< 60850'2 &56

''& 2' 5%&50 &/ 256', '* ' </53. I850'&%5 $%*63',$ , &/

MIS &,6%2'33, */5<* '2&+'3 $'&' 540 ''%*& 63'$ 0*+3&* '$ 0*+3&* 805 '

,'0 850 &/+* %& '*+0* 6050** ''%*& 5'3*. T/ MIS 02%4* $'&' 805

256', +%&* '$ 8+2&%5*. S5 58 &/ $'&' '0 25332&$ '+&5'&%2'33, 805

256+&0-3%9$ 2/29-5+& 25+&0* 5&/0* '0 9,$ % '& 60%5$%2 %&04'3*.

R5+&% 0650&* '0 606050'$ '$ 0+ '& %&04'3* 50 5 $'$ </%3 5&/0*

'0 5&'%$ +*% +%3&-% +0, 3'+'* $%*63', 8+2&%5* +%3& %&5 &/ *,*&

'0 +*$ , ''0* &5 2/29 5 *&'&+* '& $*9-*%$ 256+&0* 252&$ &5 &/

MIS , &<509*. M', *56/%*&%2'&$ *,*&* '3*5 5%&50 '$ $%*63', &/

 60850'2 58 &/ 256',* *&529.

DEFINITION AND MEANING

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8

A 50'%?$ '6605'2/ &5 &/ *&+$, 58 &/ %850'&%5 $* 58 ' 50'%?'&%5*

''& '& 40, 343 % '9% 560'&%5'3; &'2&%2'3; '$ *&0'&%2 $2%*%5*.

I&* 572&%4 %* &5 $*% '$ %63& 6052$+0*;  6052***; '$ 05+&%*  &/'&

 6054%$ *+%&'3, $&'%3$ 0650&* % ' '22+0'&; 25*%*&&; '$ &%3, '0.

I ' ''& %850'&%5 *,*&; 5$0; 256+&0%?$ *,*&* 25&%+5+*3,

'&/0 034'& $'&'; 5&/ 805 %*%$ '$ 5+&*%$ ' 50'%?'&%5. T/%* $'&' %* &/

 6052**$; %&0'&$; '$ *&50$ % ' 2&0'3%?$  $'&''*  (50 $'&' <'0/5+*)

</0 %& %* 25*&'&3, +6$'&$ '$ '$ '4'%3'3 &5 '33 </5 /'4 &/ '+&/50%&, &5

'22** %&; % ' 850 &/'& *+%&* &/%0 6+065*.

ORIGINS AND EVOLUTION

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T/ MIS 060*&* &/ 32&05%2 '+&5'&%5 58 *40'3 $%880& 9%$* 58 

25+&%; &'33,%; 0250$-96%; '$ '225+&% &2/%+* 58 </%2/ &/ , 8'0 

53$*&; 58 25+0*; <'* &/ 3$0 5 </%2/ &/ +*%** 5<0 96& &0'29 58 /%* 50 

/0 +*%**. A+&5'&%5 0$ % &/ 1!* % &/ 850 58 &'+3'&% 2'0$*

</%2/ 25+3$ *50&$ '$ 25+&$. T/* <0 &/ 6+2/-2'0$* *&%33 00$

 , ',: &/, 2'6&+0$ 3&* 58 %850'&%5 9,$ % 5 6+2/-2'0$ '2/%*

&/ 2'0$* <0 &/ 6052**$ , 5&/0 '2/%* *5 58 </%2/ 25+3$ 60%& 5+&

0*+3&* 58 &'33%*. E'2/ 2'0$ <'* &/ +%4'3& 58 </'& &5$', <5+3$ 2'33$ '

$'&''* 0250$; <%&/ $%880& '0'* 5 &/ 2'0$ &0'&$ '* 8%3$*. =503$-8'5+*

IBM /'$ %&* *&'0& % 111 %& <'* &/ 2'33$ C56+&%-T'+3'&%-R250$%

C56',. B850 IBM &/0 <'* C-T-R. P+2/ 2'0$* <0 +*$ &5 96 &%

0250$* '$ &5 0250$ <%/&* '& *2'3*. T/ U.S. C*+* +*$ *+2/ 2'0$* &5 0250$

'$ &5 '%6+3'& %&* $'&' '* <33. =/ &/ 8%0*& 256+&0* 0$ '8&0 =503$

='0 II 6+2/-2'0$ *,*&* <0 +*$ 5&/ '* &/%0 805& $ (8$% &/ $'&'

'$ 6050'*) '$ '* &/%0 5+&6+& (256+&0* 2+& 2'0$* '$ 5&/0 '2/%* 60%&$

805 &/*). C'0$ *,*&* $%$ 5& &%03, $%*'66'0 +&%3 &/ 1!*. T/, <0

+3&%'&3, 063'2$ , '&%2 *&50' $%' (&'6 '$ $%*9*). C56+&0* +*%

*+2/ *&50' $%' *6$$ +6 &'33,% &/ 256+&0 %&05$+2$ 2'32+3'&%

8+2&%5*. MIS $4356$ '* &/ 5*& 20+2%'3 '225+&% 8+2&%5* 2'

256+&0%?$.

='4* 58 %54'&%5 *60'$ &/ 8+$'&'3 4%0&+* 58 25/0& %850'&%5

*,*&* '205** '33 250650'& 8+2&%5* '$ &5 '33 *%?* 58 +*%*** % &/ 1!*;

!*; '$ !*. =%&/% 256'%* '750 8+2&%5'3 '0'* $4356$ &/%0 5< MIS

2'6'%3%&%* 58& &/* <0 5& ,& 252&$: %0%; '+8'2&+0%; '$

%4&50, *,*&* $4356$ *%$ , *%$ *5&%* 0+% 5 *62%'3%?$

/'0$<'0. P0*5'3 256+&0* (%205*; PC*) '66'0$ % &/ !* '$ *60'$

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<%$3, % &/ !*. S5 58 &/* <0 +*$ '* 80-*&'$% *$* 58 MIS

*,*&* *04% *'3*; '09&%; '$ 60*53 *,*&*; <%&/ *+'0%?$ $'&'

805 &/ &0'*800$ &5 &/ '%80'. I &/ 1!* &<509$ PC* '66'0$

'$ $4356$ %&5 65<08+3 *,*&* % &/%0 5< 0%/& % &/ 1!* % ',

256'%* $%*63'2% %$*%?$ '$ *'33 256+&0*. E+%66$ <%&/ 65<08+3

$'&''* %*; *+2/ &<509* <0 % &+0 50'%?$ 850 MIS 6+065**.

S%+3&'5+*3,; % &/ !*; &/ =503$ =%$ = 2' 58 '; 506/$ %&5 &/

I&0& <%&/ ' 4%*+'3 %&08'2; 252&% '33 *50&* 58 *,*&* &5 5 '5&/0.

M%$<', &/05+/ &/ 8%0*& $2'$ 58 &/ 1*& 2&+0, &/ '005<3, 252%4$ %$' 58 

&/ MIS /'* 25 *5</'& 8+??,. M''& %850'&%5 *,*&*; 58 

25+0*; '0 *&%33 $5% &/%0 75*; +& &/%0 8+2&%5 %* 5< 5 '5 ', 5&/0*

&/'& 8$ %850'&%5 &5 6563 % +*%** &5 /36 &/ ''. S,*&* '0

'4'%3'3 850 256+&0 '**%*&$ $*% '$ '+8'2&+0% (CAD-CAM) 256+&0*

*+604%* %$+*&0%'3 6052*** % 65<0; 2/%2'3*; 6&052/%2'3*; 6%63%*;

&0'*650& *,*&*; &2. S,*&* '' '$ &0'*80 5, <503$<%$ '$

25+%2'& <503$<%$. V%0&+'33, '33 '750 '$%%*&0'&%4 8+2&%5* '0 *+6650&$

 , '+&5'&$ *,*&. M', 6563 5< 8%3 &/%0 &'>* 540 &/ I&0& '$ /'4

&/%0 08+$* 20$%&$ (50 5, 5<% $$+2&$) 805 '9 '225+&*

'+&5'&%2'33,. MIS <'* &/+* &/  first  '750 *,*& 58 &/ I850'&%5 A. A&

 60*& &/ %%&%'3* IT '0 25% %&5 +%40*'3 +*. I850'&%5 T2/535, %*

5< &/ 2'&50, &5 $*%'& ', '$ '33 *58&<'0-/'0$<'0-25+%2'&%5*

*&0+2&+0* &/'& &5$', <509 3%9 ' 4%0&+'3 045+* *,*& 58 *52%&, '& '33 343*.

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MIS AND SMALL BUSINESS

I8 MIS %* $8%$ '* ' 256+&0-'*$ 25/0& '00'& 58 %850'&%5 '%$%

&/ ''& 8+2&%5; ' *'33 +*%** 0+% 4 ' *%3 256+&0 

'660560%'&3, +%66$ '$ 252&$ %* 560'&% ' ''& %850'&%5

*,*&. T/ &0 +*$ &5 0*&0%2&$ &5 3'0 *,*&* 0+% 5 '%80'*; +&

&/'& $'&$ 2526& %* 5 350 '%8+3. A $%2'3 60'2&%2 <%&/ ' *%3 $52&50 

0+% *58&<'0 850 %33% 2+*&50*; *2/$+3% '665%&&*; 252&$ , &/

I&0& &5 ' &<509 58 %*+0'2 256'%*; 205**-3%9$ &5 '225+&% *58&<'0

2'6'3 58 2+&&% 2/29* %* $ 8'2&5 ' MIS. I &/ *' 4% ' *'33

'+8'2&+00* 06 50'%?'&%5 <%&/ &/0 60%2%6'3* 5 &/ 05'$ '$ '

'$%%*&0'&%4 ''0 '& &/ /5 588%2 /'* ' MIS *,*&; &/'& *,*&

 25* &/ 3%9 &< '33 &/ 6'0&*. I& 2' 3%9 &5 &/ %4&50, *,*&*; /'$3

'225+&%; '$ *04* '* &/ '* 58 25+%2'&%5* <%&/ '2/ 06; '2/ 5

2'00,% ' 3'6&56. V%0&+'33, '33 *'33 +*%*** '$ % 25*+3&%; '09&%;

*'3*; 0*'02/; 25+%2'&%5*; '$ 5&/0 *04%2 %$+*&0%* /'4 3'0 256+&0 

&<509* 5 </%2/ &/, $635, *+*&'&%'3 $'&''**. MIS /'* 25 58 ' '$/'* 25 ' %&0'3 6'0& 58 *'33 +*%**.

B+& </%3 4%0&+'33, 40, 256', 5< +** 256+&0*; 5& '33 /'4 '* ,&

+$0&'9 &/ 9%$ 58 %&0'&%5 $*20%$ '54. T5 &'9 &/ 3'*& *&6; /5<40;

/'* 25 +2/ '*%06054%$$ &/'& 55$ 0'*5* '0 60*& 850 $5% *5. T/

5&%4'&%5 850 50'%?% %850'&%5 &&0 +*+'33, 25* 805 $%*50$0 

50$0% ''% </'& /'* '30'$, 50$0$; '$ *%&&% % 5>* *5</0;

 2'+* &/ 256', 25&053* %&* %4&50, 65503,. M5&%4'&%5 ', '0%* '3*5 805

/'0% '5+& 5&/0* </5 '0 >635%&% *5 0*5+02; 3%9 ' 2+*&50 3%*&; </%3

&/ 5<0* 5< 3%*& %* % *%>& 6%2* '33 540 &/ 63'2. T/0 '0 *5&%*

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'3*5 0'*5* 850 5& '+&5'&% &/%* &55 +2/: % 5$0 &%* ' +*%** 2'

0%$ &5 ' $'$ /'3& 2'+* &/ &<509 %* $5<.

U60'$% &/ %850'&%5 *,*& +*+'33, %* , %$&%8,% *5 9%$ 58 '

 6053 '$ &/ *9% ' *53+&%5. I &/'& 6052** ' 95<3$'3 0*5+02-

 60*5 05+/& % 805 &/ 5+&*%$ 2' 6054%$ ' 0'& $'3 58 /36. I8 &/ 6053

%* 540-*&529%; 850 >'63; *534% &/'& 6053 <%33 58& 25 &/ *&'0&%

 65%& 850 ' < %850'&%5 *,*& &5+2/% 5 ', 5&/0 '*62&* 58 &/

 +*%**. T/ 8%0*& +*&%5 ' 25*+3&'& %* 3%93, &5 '*9 <%33 2520 /5< &/%* '0

''$ 5<. I &/ $*20%6&%5 58 &/ 6052**; &/ $%*2540, 58 65&&%'3 *53+&%5*

<%33 %. I& %* +*+'33, ' 55$ %$' &5 2'33 5 &<5 50 &/0 *04%2 8%0* 850 %%&%'3

25*+3&'&%5* &/* 0'03, 25*& ', 5,. O2 &/ 5<0 83* 25850&'3 <%&/

5 58 &/* 4$50*; &/ 6052** 2' &/ $6$.

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13

TYPES AND TERMINOLOGY

T/ &0* M''& I850'&%5 S,*& (MIS); %850'&%5 *,*&; E&060%*

R*5+02 P3'%  (ERP); '$ %850'&%5 &2/535, ''&  '0 58&

258+*$. I850'&%5 *,*&* '$ MIS '0 05'$0 2'&50%* &/'& %23+$ ERP.

I850'&%5 &2/535, ''& 2520* &/ 560'&%5 '$ 50'%?'&%5 58 

%850'&%5 &2/535, 0*5+02* %$6$& 58 &/%0 6+065*.

M5*& ''& %850'&%5 *,*&* *62%'3%? % 6'0&%2+3'0 2502%'3 '$

%$+*&0%'3 *2&50*; '*62&* 58 &/ &060%*; 50 ''& *+*&0+2&+0.

• M''& %850'&%5 *,*&*; 605$+2 8%>$; 0+3'03, *2/$+3$

0650&* '*$ 5 $'&' >&0'2&$ '$ *+'0%?$ 805 &/ 8%0’* +$03,%

transaction processing systems &5 %$$3 '$ 560'&%5'3 343 ''0* &5

%$&%8, '$ %850 *&0+2&+0$ '$ *%-*&0+2&+0$ $2%*%5 6053*.

•  Decision Support Systems  (DSS) '0 256+&0 6050' '663%2'&%5* +*$

 , %$$3 '$ /%/0 ''& &5 256%3 %850'&%5 805 ' <%$0' 58 *5+02* &5 *+6650& 6053 *534% '$ $2%*%5 '9%. A DSS %*

+*$ 5*&3, 850 *%-*&0+2&+0$ '$ +*&0+2&+0$ $2%*%5 6053*.

•  Executive Information Systems (EIS) %* ' 0650&% &553 &/'& 6054%$* +%29 

'22** &5 *+'0%?$ 0650&* 25% 805 '33 256', 343* '$

$6'0&&* *+2/ '* '225+&%; /+' 0*5+02* '$ 560'&%5*.

•  Marketing Information Systems  '0 M''& I850'&%5 S,*&*

$*%$ *62%8%2'33, 850 ''% &/ '09&% '*62&* 58 &/ +*%**.

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• Office Automation Systems (OAS) *+6650& 25+%2'&%5 '$ 605$+2&%4%&,

% &/ &060%* , '+&5'&% <509835< '$ 3%%'&% 5&&329*. OAS

', %63&$ '& ', '$ '33 343* 58 ''&.

•  School Information Management Systems  (SIMS)  2540 *2/553

'$%%*&0'&%5; '$ 58& %23+$% &'2/% '$ 3'0% '&0%'3*.

•  Enterprise Resource lanning   8'2%3%&'&* &/ 835< 58 %850'&%5 &<

'33 +*%** 8+2&%5* %*%$ &/ 5+$'0%* 58 &/ 50'%?'&%5 '$ ''

&/ 252&%5* &5 5+&*%$ *&'9/53$0*.

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OBJECTIVES OF MIS

G5'3* 58 ' MIS '0 &5 %63& &/ 50'%?'&%5'3 *&0+2&+0 '$ $,'%2* 58 &/

&060%* 850 &/ 6+065* 58 ''% &/ 50'%?'&%5 % ' &&0 <', '$

2'6&+0% &/ 65&&%'3 58 &/ %850'&%5 *,*& 850 256&%&%4 '$4'&'.

F5335<% '0 &/ '*%2 572&%4* 58 ' MIS:

• Cap!"#$% Daa: 2'6&+0% 25&>&+'3 $'&'; 50 560'&%5'3 %850'&%5 &/'&

<%33 25&0%+& % $2%*%5 '9% 805 4'0%5+* %&0'3 '$ >&0'3 *5+02*

58 50'%?'&%5

• P"&'#$% Daa: &/ 2'6&+0$ $'&' %* 6052**$ %&5 %850'&%5 $$ 850 

 63'%; 50'%?%; 2550$%'&%; $%02&% '$ 25&0533% 8+2&%5'3%&%*

'& *&0'&%2; &'2&%2'3 '$ 560'&%5'3 343. P052**% $'&' '*:

o '9% 2'32+3'&%5* <%&/ &/ $'&'

o *50&% $'&'

o 23'**%8,% $'&' '$

o *+'0%?% $'&'

• I$*&"+a#&$ S&"a%: %850'&%5 50 6052**$ $'&' $ &5 *&50$ 850 

8+&+0 +*.

• I$*&"+a#&$ R"#,a-:  &/ *,*& */5+3$ '3 &5 0&0%4 &/%*

%850'&%5 805 &/ *&50' '* '$ </ 0+%0$ , 4'0%5+* +*0*.

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• I$*&"+a#&$ P"&pa%a#&$: %850'&%5 50 &/ 8%%*/$ 605$+2& 58 &/ MIS

*/5+3$ 2%02+3'&$ &5 %&* +*0* 60%5$%2'33, +*% &/ 50'%?'&%5'3

&<509.

CHARACTERISTICS OF MIS

T/ ''& %850'&%5 *,*& /'* &/ 85335<% 2/'0'2&0%*&%2* -

1) S.+ app"&a'/: MIS %* '*$ 5 &/ S,*& '6605'2/. I& %* ' *&6 , *&6

'6605'2/ &5 &/ *&+$, 58 *,*& '$ %&* 60850'2. P0850'2 %* '$ % &/

3%/& 58 &/ 572&%4 </%2/ /'* 25*&%&+&$ 850 &/'& 6+065*.

0) Ma$a%+$ &"#$: U$0 MIS; 2**'0, %850'&%5 %* 6054%$$ &5 '2/

''0 '& &/ 0%/& &%; % 0%/& 850 '$ ' 034'& 5; </%2/ %* 0+%0$ , &/

''& , 6054%$% %850'&%5 % &'9% 882&%4 ''0%'3 $2%*%5.

2)  F!!" &"#$: MIS %* $*%$ '$ $4356$ 96% % 4%< &/ 8+&+0

 65*%&%5 58 &/ +*%**. T/0850; MIS */5+3$ 6054%$ +*8+3 %850'&%5 5 &/

 '*%* 58 60572&%5* '*$ 5 </%2/ 8+&+0 '2&%5 2' &'9.

3) I$%"a: MIS %* $*%$ % &'9% ' 2560/*%4 4%< 50 3559% '& &/

2563& 6%2&+0 58 &/ %&03529% *+-*,*&* &/'& 560'& <%&/% &/ 256',.

I& 25*%$0* '33 '*62&* 58 605$+2&%5; '09&%; '225+&%; 8%'2%;

''&.

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4) C&++&$5aa *&--&6: MIS $'3* <%&/ &/ 255 $'&' &/'& '0 '4'%3'3 %

&/ +*%**. B2'+*; MIS 6054%$* $'&' '$ %850'&%5 850 &'9% 882&%4

''0%'3 $2%*%5; </%2/ +*& *32& &/ 0'3 6%2&+0 58 &/ +*%**.

7) L&$% "+ p-a$$#$%: MIS %* 606'0$ 850 35 &0 63'% 58 &/ +*%**.

S5; &/ $*%0 */5+3$ '45%$ &/ 5+&$'&$ $'&' '$ %850'&%5 % $*%% '$

$4356% &% 58 MIS. T/ $*%0 */5+3$ 25*%$0 &/ 60*& *%&+'&%5 '$8+&+0 &0$ 58 &/ +*%** '2&%4%&%*; </ MIS %* $*%$.

8)  C&$"&- aa9a: A5&/0 %650&'& 2/'0'2&0%*&%2 58 MIS %* &/'& %& '3<',*

 '*$ 5 2&0'3%*$ $'&' '$ %850'&%5. I& %* 2'+* 58 &/%* 8'2& &/'& MIS %* &5

*+663, $'&' '$ %850'&%5 % *+2/ ' <', *5 &/'& &/ ''& 2' &'9 %&*

%650&'& $2%*%5.

 

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ADVANTAGES

T/ 85335<% '0 *5 58 &/ 8%&* &/'& 2' '&&'%$ +*% MIS.

• C56'%* '0 '3 &5 %$&%8, &/%0 *&0&/* '$ <'9*** $+ &5 &/

 60*2 58 04+ 0650&*; 635,* 60850'2 0250$ &2. I$&%8,%

&/* '*62&* 2' /36 ' 256', %6054 %&* +*%** 6052*** '$

560'&%5*.

• G%4% ' 540'33 6%2&+0 58 &/ 256',.

• A2&% '* ' 25+%2'&%5 '$ 63'% &553.

• T/ '4'%3'%3%&, 58 2+*&50 $'&' '$ 8$'29 2' /36 &/ 256', &5

'3% %&*  +*%** 6052*** '2250$% &5 &/ $* 58 %&* 2+*&50*. T/

882&%4 ''& 58 2+*&50 $'&' 2' /36 &/ 256', &5 60850

$%02& '09&% '$ 6055&%5 '2&%4%&%*.

• MIS* 2' /36 ' 256', '% ' 256&%&%4 '$4'&'. C56&%&%4

'$4'&' %* ' 8%0’* '%3%&, &5 $5 *5&/% &&0; 8'*&0; 2/'60; 50 

+%+3,; </ 256'0$ <%&/ 0%4'3 8%0* % &/ '09&.

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STEPS OF MIS

F5335<% '0 &/ *&6* 58 M''& I850'&%5 S,*&.

#)  C&--'#&$ &* Daa: T/ $*%% 58 MIS %* '*$ 5 &/ 25332&%5 58 $'&'.

G0'33,; $'&' '0 5& 25332&$ %$6$&3, 850 *62%'3 6+065**; +& &/, '0

25332&$ 850 +3&%63 +** *+2/ '*; $'&' 58 %4&50, 2' +*$ , ''0* %

 605$+2&%5; '225+&% '$ 6+02/'* $6'0&&. A8&0 25332&%5 58 $'&';

'**3, %* %*3, %650&'&. D'&' */5+3$ '**3$ '2250$% &5 $*

'$ 6+065** 58 &/ ''&. T/0 '0 '%3, &<5 *5+02* 58 $'&' '$

%850'&%5: I&0'3 *5+02 '$ >&0'3 *5+02. T/ 256', */5+3$ +* 5&/.

##) P"&'#$%: I &/ *25$ *&6; $'&' */5+3$ 6052**$ % ' *,*&'&%2

'0. P052**% 58 $'&' %63%* $%&% 58 $'&'; &/%0 23'**%8%2'&%5 '$

*+'&%5. B, &/ $%&% 58 $'&'; 25002&%5 '$ 5$%8%2'&%5 2' $5 '$

23'**%8%2'&%5 */5+3$ $5 '2250$% &5 &/ $ 58 50'%*'&%5. S+'&%5 %*

&/ 6052** 58 05+6% &/ $'&' 5 &/ '*%* 58 *%%3'0 '&+0 '* <33 '* 6+065*.

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###) S&"a% a$ R"#,a-: I &/%* *&6 58 MIS $%880& '2&%4%&%* *+2/ '*

%$>%; 25$%; 8%3% 58 $'&' '$ %850'&%5 '0 $5. A* ' 0*+3& 58 &/%* *&6;

&/ ''0* '$ $%02&50* 58 &/ 256', 2' '*%3, +* '$ 560'& &/ $'&' '$

%850'&%5 '* 60 &/%0 0+%0&.

#,) E,a-!a#&$: I& %* ' %650&'& *&6; </0 '22+0'2, '$ 034'2 58 $'&' 2'

  $&0%$. D&0%'&%5 58 034'2 58 $'&' %* %*3, %650&'& 850 

&'9% 882&%4 $2%*%5 '& '2/ 343.

,) D#+#$a#&$: B, &/%* *&6 034& %850'&%5 %* *+663%$ % &/ 60560 850

'& &/ 0%/& &%. I850'&%5 */5+3$ *+663%$ '2250$% &5 &/ 0+%0& 58 

&/ &56 ''&. S5; %& ', $%880& 850 $%880& 256'%* '$ '3*5 ',

  $%880& -'& $%880& &%* 58 &/ *' 256',;

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ENTERPRISE APPLICATION

• E&060%* *,*&* '3*5 95< '* &060%* 0*5+02 63'%  (ERP)

*,*&* 6054%$ %&0'&$ *58&<'0 5$+3* '$ ' +%8%$ $'&''* &/'&

 60*53 +* &5 63'; ''; '$ 25&053 250 +*%** 6052*** '205**

+3&%63 352'&%5*. M5$+3* 58 ERP *,*&* ', %23+$ 8%'2;

'225+&%; '09&%; /+' 0*5+02*; 605$+2&%5; %4&50,

''&; '$ $%*&0%+&%5.

• S+663, 2/'% ''&  (SCM) *,*&* '3 50 88%2%&

''& 58 &/ *+663, 2/'% , %&0'&% &/ 3%9* % ' *+663, 2/'%.

T/%* ', %23+$ *+663%0*; '+8'2&+00*; </53*'30*; 0&'%30*; '$ 8%'3

2+*&50*.

• C+*&50 03'&%5*/%6 ''& (CRM) *,*&* /36 +*%*** ''

03'&%5*/%6* <%&/ 65&&%'3 '$ 2+00& 2+*&50* '$ +*%** 6'0&0*

'205** '09&%; *'3*; '$ *04%2.

• K5<3$ ''&  *,*& (KMS) /36* 50'%?'&%5* 8'2%3%&'& &/

25332&%5; 0250$%; 50'%?'&%5; 0&0%4'3; '$ $%**%'&%5 58 

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95<3$. T/%* ', %23+$ $52+&*; '225+&% 0250$*; +0250$$

 6052$+0*; 60'2&%2*; '$ *9%33*. K5<3$ ''& (KM) '* ' *,*&

2540* &/ 6052** 58 95<3$ 20'&%5 '$ '2+%*%&%5 805 %&0'3

 6052*** '$ &/ >&0'3 <503$. T/ 25332&$ 95<3$ %* %250650'&$ %

50'%?'&%5'3 653%2%* '$ 6052$+0*; '$ &/ $%**%'&$ &5 &/

*&'9/53$0*.

MIS IN BANKING

INTRODUCTION

T/ &0 M''& I850'&%5 S,*& (MIS) %* 5& < &5 &/ '9% *2&50.

S%2 &/ '03, !*; '9* /'4 +*% &/%* &0%535, &5 080 &5 &/ 6052**

58 0'&% 4'0%5+* 0650&* '$ ''3,** '& &/ C50650'&H'$ 588%2* 850 &/%0 

$2%*%5 '9% 850 5< +* '* <33 '* 850 254,'2 &5 '+&/50%&%* % 2/'0 58 

0+3'&%5. O8&; &/* 0650&* '0 0'&$ &/05+/ 256+&0* '$ 2' 0'&$ '& ', 65%& 58 &%. H5<40; &/ +*' 58 &/ &0* $'&' <'0/5+*%

'$ $'&' %% '0 03'&%43, <. T/* &0* /'4 '%$ *%%8%2'2 <%&/ &/

05<% *56/%*&%2'&%5 58 &2/535, '$ &/ $ 850 60$%2&%4 ''3,*%* <%&/

=/'& %8 *%+3'&%5*. MIS % &/ 60*& 25&>& 58 /%/ '4'%3'%3%&, 58 453+%5+*

$'&' 5 32&05%2 $%' '& $%40* 352'&%5* '$ 5 $%40* 63'&850*; /'* 25

50 60&%& &5 '9*’ $2%*%5-'9% 6052**; &/'9* &5 &/ '4'%3'%3%&, 58 <

&553* 58 &2/535, *+2/ '* $'&' <'0/5+*%; $'&' %%. D'&' <'0/5+*%

</%2/ 080* &5 25332&%5 58 $'&' 805 4'0%5+* *5+02* (%&0'3 '$ >&0'3) '$

 63'2% &/ % ' 850 *+%&'3 850 8+0&/0 6052**% </%2/ <%33 '% 20%&%2'3

%650&'2 % &/ 60*2 58 $'&' %% </%2/ 080* &5 &/ 6052** 58 >&0'2&%

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/%$$ %850'&%5 '$ 0'&% *40'3 &,6* 58 ''3,&%2'3 0650&* </%2/ '0

+*+'33, 5& '4'%3'3 % &/ 50%%'3 &0'*'2&%5 6052**% *,*&*.

RELEVANCE OF MIS FOR BANKS IN INDIA

B'9% % ' %850'&%5 %&*%4 %$+*&0,; +%3$% ' M''&

I850'&%5 S,*& <%&/% ' '9 50 ' %$+*&0, %* ' %'&%2 &'*9. I& %* 50 *5 850 

&/ 6+3%2 *2&50 '9* </%2/ /'4 ' <%$ &<509 58 '9 0'2/* *60'$ '33

540 &/ 25+&0,. I& 25* '33 &/ 50 $%88%2+3& $+ &5 604'32 58 4'0,%

$0* 58 256+&0%*'&%5. A& 60*&; '9* 0'& MIS 0650&* 3'03, 805

 60%5$%2 6'60 0650&* *&'&&* *+%&&$ , &/ 0'2/* '$ 0%5'3?5'3588%2*. E>26& 850 ' 8< '9* </%2/ /'4 +*% &2/535, % ' % <',;

MIS 0650&* '0 '4'%3'3 <%&/ ' *+*&'&%'3 &% 3'. R650&* *5 0'&$ /'4

'3*5 ' /%/ '0% 58 0050 $+ &5 $'&' &0, % $5 '& 4'0%5+* 343* '$ &/

3%93%/55$ 58 4'0,% %&060&'&%5* '& $%880& 343*.

T/5+/ 256+&0%*'&%5 58 '9 0'2/* /'* 5% 5 '& ' 55$ 6'2; MIS

0+%0&* /'4 5& 8+33, '$$0**$ &5. I& %* 5 '225+& 58 &/ 8'2& &/'& 5*&

58 &/ T5&'3 B0'2/ C5+6&0%*'&%5 (TBC) *58&<'0 6'29'* '0 &0'*'2&%5

 6052**% 50%&$. T/, /'4 $*%$ 60%'0%3, 850 $',-&5-$', 560'&%5*

'& &/ 0'2/ 343 '$ $',-$ '3'2% 58 559*. T/0 '0 53, ' 8< 6'29'*

+*$ , ' 3%%&$ +0 58 0'2/* </%2/ 2' '*%3, %&08'2$ <%&/ &/

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256+&0 *,*&* '& 5'3 H'$ O88%2* '$ /'4 &/ 2'6'%3%&, &5 0'& MIS

$'&'. B'9* /'4 5& %63&$ *+2/ 6'29'* 6'0&3, 2'+* 58 &/ /%/ 25*&*

'$ 6'0&3, 2'+* 58 &/ '*2 58 ', *&0'&%2 63' &5 2533'& %850'&%5 '& &/

250650'& 343 , +*% &/ TBC 6'29'*.

NEED FOR BUILDING MIS

T/ $ 850 +%3$% MIS '& &/ 250650'& 343 /'* %20'*$ 25*%$0'3, $+0%

&/ 3'*& 8< ,'0* 2'+* 58 &/ 85335<% 0'*5* :

• R+3'&50, 0+%0&* %$%2'&$ , &/ RBI 850 606'0'&%5 58 O88-*%&

M5%&50% S+04%33'2 (OSMOS) R650&* 5 ' 0+3'0 '*%* % 32&05%2

850'&.

•R+3'&50, 0+%0& 58 8%3% 58 *&'&+&50, 0&+0* *+2/ '* &/ 5 +$0 

S2&%5 " 58 &/ R*04 B'9 58 I$%' A2&; 1" 850 <509% 5+& C'*/

R*04 R'&%5 (CRR) '$ S&'&+&50, L%+%$%&, R'&%5 (SLR) 53%'&%5* %

32&05%2 850'&.

• A**& L%'%3%&, M''& (ALM) +%$3%* 850 '9* % %63&$

 , &/ RBI <..8 A60%3 1; 1 <%&/ &/ *&%6+3'&%5 &/'& &/ '9* */5+3$

2'6&+0 1!! 602& 58 &/%0 +*%** &/05+/ &/ ALM *,*& , A60%31;

!!!.

•  N$ 850 &%3, *+%**%5 58 B'3'2 S/&* '$ P058%& L5** A225+&*.

• F52+* 5 &0'*'2&%5 25*&% '$ ' $ 850 03'&% &/ *04%2 2/'0*

34%$ 5 &/ 2+*&50* &5 '*$ 5 25*& 58 *04%2%.

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•  N$ 850 I&0-B0'2/ R252%3%'&%5 58 A225+&* <%&/% ' $8%%& &%

80'

•  N$ &5 & &/ *&%6+3'&%5* '$ , &/ C&0'3 V%%3'2 C5%**%5

(CVC) &5 256+&0%* '& 3'*& !602& 58 '9% +*%** , J'+'0, 1;!!1.

•  N$ &5 +$0&'9 0%*9 ''& *&0'&%* '$ 850 &/%* 6+065* +%3$ +6

'660560%'& *&* 58 $'&' '$ '09& %&33%2 0650&*.

APPLICATION OF DATA MINING AND DATA WARE HOUSING IN

BANKS

D'&' <'0/5+*% '$ $'&' %% /'4 85335<% '663%2'&%5*:

• A33 &0'*'2&%5* 2'6&+0$ '& &/ 0'2/ 343 <5+3$ & 25*53%$'&$ '& '

2&0'3 352'&%5. S+2/ ' 2&0'3 352'&%5 25+3$ 2'33$ &/ D'&' ='0/5+*

58 &/ 2520$ '9. F50 &/%* &5 /'66; 5 58 &/ 0+%0&* <5+3$

&5 *&'3%*/ 252&%4%&, &< &/ 0'2/* 5 &/ 5 /'$ '$ &/ D'&'

='0/5+* 63'&850 5 &/ 5&/0.

• F50 '9* <%&/ 3'0 +0 58 0'2/*; %& ', 5& $*%0'3 &5

25*53%$'& &/ &0'*'2&%5 $&'%3* '& 5 63'2 53,. I& 2' $2&0'3%*$

 , 352'&% &/ *04%2* 5 0%5'3 '*%*. T/ 0%5'3 D'&' '0&* '*

$4356$ 2' 6054%$ +&+'3 '29-+6 '$ 25+3$ 3%9$ &5 &/ 2&0'3

D'&' ='0/5+*% *040 *5 &/'& 850 &/ 6+065* 58 MIS '& &/ 250650'&

343; $'&' 2' '22**$ 805 '33 &/ 0%5'3 D'&' '0&*.

• B, <', 58 $'&' %% &2/%+*; $'&' '4'%3'3 '& 4'0%5+* 256+&0 

*,*&* 2' '22**$ '$ , ' 25%'&%5 58 &2/%+* 3%9

23'**%8%2'&%5; 23+*&0%; *&'&%5; '**52%'&%5 0+3*; *+2%;

$2%*%5 &0; 4'0%5+* ALM 0650&* *+2/ '* S&'&& 58 S&0+2&+0'3 L%+%$%&,;

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S&'&& 58 I&0*& R'& S*%&%4%&, &2. 50 '225+&% 0650&* 3%9 B'3'2

S/& '$ P058%& L5** A225+& 2' 0'&$ %*&'&'5+*3, 850 ',

$*%0$ 60%5$$'&.

S%%8%2'& 25*& 8%&*; &% *'4%*; 605$+2&%4%&, '%* '$ 6052** 0-

%0% 56650&+%&%* '0 '**52%'&$ <%&/ &/ +* 58 $'&' <'0/5+* 850 

%850'&%5 6052**%. D'&' 2' '*%3, '22**$ '$ ''3,*$ <%&/5+& &%

25*+% '%6+3'&%5 '$ 6052**%. D2%*%5* 2' '$ 50 +%293, '$

<%&/ 258%$2 &/'& &/ $'&' '0 5&/ &%-034'& '$ '22+0'&. I&0'&$

%850'&%5 2' '3*5 96& % 2'&50%* &/'& '0 '%8+3 &5 6058%&'3

560'&%5.

 T0$* 2' ''3,*$ '$ 60$%2&$ <%&/ &/ '4'%3'%3%&, 58 /%*&50%2'3 $'&' '$

&/ $'&' <'0/5+* '**+0* &/'& 40,5 %* +*% &/ *' $'&' '& &/ *' 343

58 >&0'2&%5; </%2/ 3%%'&* 2583%2&% ''3,&%2'3 0*+3&* '$ '0+&* 540 

&/ *5+02 '$ +'3%&, 58 $'&' +*$ 850 ''3,*%*. I */50&; $'&' <'0/5+* '3*

%850'&%5 6052**% &5 $5 % ' 20$%3; 88%2%& '0.

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27

MIS IN RBI

RESERVE BANK OF INDIA

T/ R*04 B'9 58 I$%' %* I$%'* C&0'3 B'9% I*&%&+&%5; </%2/ 25&053*

&/ M5&'0, P53%2, 58 &/ I$%' R+6. O 1 A60%3 1# $+0% &/ B0%&%*/ R+3

% '2250$'2 <%&/ &/ 6054%*%5* 58 &/ R*04 B'9 58 I$%' A2&; 1". T/

50%%'3 */'0 2'6%&'3 <'* $%4%$$ %&5 */'0* 58 1!! '2/ 8+33, 6'%$; </%2/ <0

%%&%'33, 5<$ &%03, , 60%4'& */'0/53$0*. F5335<% I$%'* %$6$2 5

1# - A++*& - 1"; &/ RBI <'* '&%5'3%*$ % &/ ,'0 58 1".

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T/ RBI 63',* ' %650&'& 6'0& % &/ D4356& S&0'&, 58 &/ G540&

58 I$%'. I& %* ' 0 '9 58 &/ A*%' C3'0% U%5. T/ 0'3

*+60%&$2 '$ $%02&%5 58 &/ RBI %* &0+*&$ <%&/ &/ !-0 C&0'3

B5'0$ 58 D%02&50*: &/ G54050  (D0. R'/+0' R'7'); " D6+&, G54050*; 1

F%'2 M%%*&0, 060*&'&%4*; 1! 540&-5%'&$ $%02&50* &5 060*&

%650&'& 3&* 805 I$%'* 255,; '$ " $%02&50* &5 060*& 352'3 5'0$*

/'$+'0&0$ '& M+'%; K539'&'; C/'% '$ N< D3/%. E'2/ 58 &/* 352'3

 5'0$* 25*%*&* 58 # 0* </5 060*& 0%5'3 %&0*&*; '$ &/ %&0*&* 58 

25-560'&%4 '$ %$%5+* '9*.

T/ '9 %* '3*5 '2&%4 % 6055&% 8%'2%'3 %23+*%5 653%2, '$ %* ' 3'$%

0 58 &/ A33%'2 850 F%'2%'3 I23+*%5 (AFI).

T/ R*04 B'9 58 I$%' <'* 85+$$ 5 1 A60%3 1# &5 0*65$ &5 255%2

&05+3* '8&0 &/ F%0*& =503$ ='0 . RBI <'* 2526&+'3%?$ '* 60 &/ +%$3%*;

<509% *&,3 '$ 5+&3559 60*&$ , D0 B. R. A$9'0  '* <0%&& % /%* 559 

T/ P053 58 &/ R+6 I&* 50%% '$ %&* *53+&%5. % 805& 58 &/ H%3&5

Y5+ C5%**%5.T/ '9 <'* *& +6 '*$ 5 &/ 025$'&%5* 58 &/

1@ R5,'3 C5%**%5 5 I$%' C+002, '$ F%'2; '3*5 95< '* &/

H%3&5Y5+ C5%**%5. T/ 50%%'3 2/5%2 850 &/ *'3 58 RBI <'* T/ E'*&

I$%' C56', D5+3 M5/+0 ; <%&/ &/ *9&2/ 58 &/ L%5 '$ P'3 T0.

H5<40 %& <'* $2%$$ &5 063'2 &/ 3%5 <%&/ &/ &%0; &/ '&%5'3 '%'3 58 

I$%'. T/ P0'3 58 &/ RBI $*20%* %&* '*%2 8+2&%5* &5 0+3'& &/ %**+ 58 

 '9 5&*; 96 0*04* &5 *2+0 5&'0, *&'%3%&, % I$%'; '$ 0'33, &5

560'& &/ 2+002, '$ 20$%& *,*& % &/ *& %&0*&* 58 &/ 25+&0,. T/

C&0'3 O88%2 58 &/ RBI <'* *&'3%*/$ % C'32+&&' (5< K539'&'); +& <'*

54$ &5 B5', (5< M+'%) % 1.

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29

MANAGEMENT INFORMATION SYSTEM

T/ R*04 B'9 58 I$%' (RBI); </%2/ 60850* +3&%63 8+2&%5* 0'% 805

5&'0, 653%2, &5 0+3'&%5 '$ *+604%*%5; 0+%0* ' 3'0 4'0%&, 58 

%850'&%5 &5 882&%43, $%*2/'0 %&* 0*65*%%3%&%*. T/ 60*& *,*& 58 

25332&%; ''% '$ +&%3%*% %850'&%5 4534$ 540 *40'3 ,'0* %

0*65* &5 &/ 0% $* 58 &/ R*04 B'9 '$ <%&/ &/ 572&%4 58 

$%**%'&% %850'&%5 '* ' 6+3%2 55$’. =%&/ %20'*% %&0'&%5 <%&/ &/

35'3 255, '$ &/ 05<% 2563>%&, 58 &/ 255%2 *&0+2&+0; &/%850'&%5 $* /'4 >6'$$ 25*%$0'3,. T/0850; '6* '0 %

>60%2$ % 4'0%5+* $5'%* 58 %850'&%5 0+%0$ 850 653%2, 850+3'&%5 '*

'3*5 % 88%2%& ''& 58 %850'&%5.

 T5 '$$0** &/* 2520* '5+& $'&' '6* '$ &5 63'2 %850'&%5 ''&

5 ' 50 &2/535%2'33, '&+0 855&%; &/ R*04 B'9 25*&%&+&$ '

C5%&& &5 2560/*%43, 04%< &/ 2+00& *,*& 58 $'&' 25332&%5;

$%**%'&%5 '$ ''& '$ &5 >'% &/ 8'*%%3%&, 58 54% &5<'0$*

0'+3'0; +3&%-6+065* $'&' 25332&%5 '$ 50 %&0'&$ '$ *&0+2&+0$ $'&'

 605$+2&%5 6052***.

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T/ &0* 58 0802 58 &/ C5%&& <0:

%. T5 04%< &/ '4'%3'%3%&,; 2540'; 80+2,; &%3%** '$ +'3%&, 58 &/

>%*&% $'&'*+04,*%850'&%5 +*$ 850: (') 5&'0, 653%2,; () '205-

8%'2%'3 653%2, '$ (2) *+604%*%5.

%%. T5 04%< &/ 025$'&%5* 58 '03%0 C5%&&*=509% G05+6* 5

$'&' '6* '$ %850'&%5 ''& % &/ R*04 B'9.

%%%. I &/ 3%/& 58 (%) '$ (%%) '54; *+*& 2/'* % &/ 6052** 58 02%6&;

*&50'; '22**; ''& '$ $%**%'&%5 58 5&'0,; '205-

8%'2%'3 '$ *+604%*50, $'&'.

%4. I 50$0 &5 '2/%4 (%%%) '54; *+*& 2**'0, %*&%&+&%5'3 '$

&2/535%2'3 2/'* <%&/% &/ R*04 B'9 &5 '9 '4'%3'3 25*%*&&

$'&' 805 ' *%3 *5+02 850 '33 +*0 05+6* '* <33 '* 850 ''&

$2%*%5-'9%.

4. T5 *+*& 2563&'0, &2/535%2'3 '$ 6052** 2/'* '& &/ 343 58 

 '9* *5 &/'& 0'+3'0 $'&' '0 '$ '4'%3'3 805 &/ *5+02 *,*& &/'&

25+3$ *+0 $'&' %&0%&,.

vi. T5 25*%$0 ', 5&/0 03'&$ '&&0*.

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31

DATA MODEL FOR INFORMATION SYSTEM

T/ C5%&& 5&$ &/'& &/ >%*&% $'&' 256%3'&%5 *,*&* %4 60%50%&, &5

$6'0&&'3 %850'&%5 *,*&*; </%2/ '0 &/ 60%'0, 8$0* 58 &/

''& %850'&%5 *,*&. T/%* /'* 3%%&$ &/ *256 850 ' &060%*-<%$

$'&' 5$3 &5 0. T/ C5%&& 025$* &/'& &/ R*04 B'9 */5+3$

54 &5 ' 540'33 /%/-343 %850'&%5 5$3 &/'& %* $0%4$ 805 &/

%850'&%5 $* 58 &/ 4'0%5+* '0* 58 &/ B'9. T/ '4'%3'%3%&, 58 *+88%2%&3,

'&+0 &2/535, *53+&%5* '$ >60%2$ '65<0 % &/ B'9 */5+3$ *+0

&/'& &/ /%/-343 5$3 2' &0'*3'&$ %&5 ' %850'&%5 *,*& &/'&

 6054%$* 2**'0, %850'&%5 &5 +*0* '* 60 &/%0 $*.

 A* ' 8%0*& *&6 % &/%* $%02&%5; &/ C5%&& 5&$ &/'& &/0 %* ' $ &5 $8%

&/ $'&' 0+%0$ , &/ R*04 B'9 % %&* &%0&, *5 &/'& &/ 0+3'&$ &%&%*;

</%2/ *+%& &/ %850'&%5; 2' '3*5 50'%* &/%0 *,*&* % 3% <%&/ &/

0650&% 0+%0&* *62%8%$ , &/ B'9. T/ C5%&& 83& &/'& 850 60%'0,

$'&' %& <5+3$ 56&%'3 &5 $%**534 &/ 0&+0* %&5 $'&' 3&* &/* 2'

50'%*$ %&5 $'&'*&* &/'& 25&'% 35%2'33, 25/0& $'&' 3&*. F50 &/

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$'&'*&*; </%2/ '0 *25$'0, % '&+0; &/ %6+& $'&' *&0+2&+0 %* &5 &'9 '*

'4'%3'3.

 T/ C5%&& 25*%$0$ &/ 65**%%3%&, 58 &&% '33 &/ %850'&%5 % 0'+3'0 

850. A8&0 25*%$0'3 $3%0'&%5; %& 2523+$$ &/'& *5 $'&' '0 034'& 53,

'& &/ '0'& 343. T/+*; &/ 852+* */5+3$ 5 25332&% 034'&; 25/0&

'$ +$+63%2'&$ $'&' 805 '9*. T/%* <%33 '3*5 0$+2 &/ 0650&% +0$ 5

 '9*. T/ C5%&&; &/0850; 025$* &/0 0%2 $'&' 25332&%5

*&0+2&+0*: (%) '0'&$ $'&'; (%%) $%*&0%+&$ '0'&*; '$ (%%%) 0'+3'0 $'&'

$6$% 5 &/ 034'2 58 $'&' '& $%880& 560'&%5'3 /%0'02/%*.

META DATA DIRECTORY

A 88%2%& '$ 882&%4 $'&' ''& 8+2&%5 % &/ R*04 B'9 '*

&/'& &/ B'9 */5+3$ % ' 65*%&%5 &5 95< '& ', &% 65%& </'& $'&' '0 %

25332&$ 805 4'0%5+* 25*&%&+2%* '& </'& %&04'3* '$ % </'& 850. T/

C5%&& 025$* &/'& %& <%33 +*8+3 &5 606'0 ' D'&' E3& D%02&50,

&/'& 3%*&* $'&' 3&* <%&/ &/%0 03'&$ '&&0%+&* &5 25332&$ 805 4'0%5+*

25*&%&+2%*.

 A D'&' D%**%'&%5 D%02&50, <%&/ $&'%3* 58 4'0%'3*; $8%%&%5*; *&'&%*&%2'3

'&&0%+&* '$ 5&/0 &% *0%* '&&0%+&* $* &5 606'0$ '$ '%&'%$ '*

 6'0& 58 &/ &'$'&' $%02&50,. T/%* <%33 '3*5 8'2%3%&'& $%**%'&%5 58 &% *0%*

$'&' +*% &/ S&'&%*&%2'3 D'&' '$ M&'$'&' E>2/' (SDM) *&'$'0$. A D'&'

C/'3 D%02&50, <%&/ $&'%3* 58 $'&' 2/'3*; $'&' *5+02* '$ 5$ 58 &0'*80 

', $ &5 '%&'%$ 850 5%&50% '$ 85335<-+6.

 T/ $'&' 3&; $'&' $%**%'&%5 '$ $'&' 2/'3 $%02&50%* */5+3$

'%&'%$ 2&0'33, '$ % ' 60560 $'&''* 850'& *5 &/'& &/, 2' '22**$

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33

 , $'&' ''0*; $'&' +*0* '$ *58&<'0 $43560*. T/* $%02&50%* <%33 850

&/ '295 58 $'&' ''& 6052*** *+2/ '* 25332&%5; *&50' '$

$%**%'&%5.

TECHNOLOGY AND DESIGN

T0'$%&%5'3 25*&0'%&* 5 2'6&+0%; &0'*%&&%; *&50% '$ 6052**% 3'0

'5+&* 58 $'&' /'4 5< 54025 <%&/ &2/535%2'3 6050**. T/

R*04 B'9 2' &/0850 '8850$ &5 3%0'33, 25332& '$ 6052** 3'0 '5+&* 58 

%205 '$ &0'*'2&%5'3 $'&' , *&&% +6 '660560%'& &2/535%2'3 2'6'%3%&%*

'$ 6052*** &/'&; % &+0; 2' 0'& ' 25&%+5+* 835< 58 %850'&%5 850 &/B'9’* 0+3'&50,; *+604%*50, '$ 653%2,-'9% 6+065**.

T/ $*% 58 &/ &2/%2'3 '02/%&2&+0 60565*$ %* '*$ 5 &/ 85335<%

 60%2%63*: *%63%2%&,; +* 58 &/ >%*&% %80'*&0+2&+0; *2'3'%3%&, % &0* 58 

%20'*$ +0 '$ 453+ 58 0650&%; 0'$+'3 '$56&%5; 8'*%%3%&, '$ &/

+* 58 ' 3',0 58 5+&*5+02$ 4$50 60*53 '& 4'0%5+* 343* 58 *&'&%*&%2*

 6052*** &5 0$+2 &/ 560'&%5'3 +0$ '$ *,*& 2563>%&,.

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35

ORGANIATION STRUCTURE FOR INFORMATION MANAGEMENT

T/ 60*& 50'%*'&%5 58 %850'&%5 ''& % ' $2&0'3%*$ '0 %*

5& ''3 &5 &/ %63&'&%5 58 +%850 653%2%* '$ *&'$'0$%*'&%5 58 

*,*&* 850 %850'&%5 % &/ B'9. T/0 %* ' 23'0 $ &5 6+& % 63'2 '

'660560%'& 540'2 *&0+2&+0 850 %850'&%5 ''&. T/%* <'* '3*5

025%*$ , &/ H%/-343 C5%&& 5 IT V%*%5 </%2/ 025$$ &/'& &/

B'9 */5+3$ %$&%8, '$ '**% &/ 053 58 C/%8 I850'&%5 O88%20 (CIO) &5 '

*%50 588%2%'3. T/ CIO <5+3$ 0*65*%3 850 ''% &/ %850'&%5 '**&*

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36

58 &/ 50'%*'&%5; %23+$% $'&'; '$ %63&% $'&' 540'2 '$ &/

%850'&%5 540'2 80'<509.

T/ &%0 $'&' 0+%0& 58 &/ R*04 B'9 */5+3$ ''$ 2&0'33, 850 

25/02; %&0%&,; 25*%*&2, '$ '225+&'%3%&,. T/ 0*65*%%3%&%* 58 &/

%850'&%5 ''& +%& */5+3$ 05'$3, '35 &/ 85335<% 3%*:

• S& +6 $'&' 540'2 653%2%*

• M'%&'% '*&0 $'&' '$ $'&' *&'$'0$*

• M'' %850'&%5 0*5+02* ('2+%*%&%5; *&50'; 0650&*; $%**%'&%5)

<%&/ IT &553* '$ 63'&850*

• P054%$ 8$'29 &5 +*0 $6'0&&* 5 $'&' +'3%&, %**+*

• I63& $'&' +'3%&, '*$ 5 &/ 4'3%$'&%5 0+3* 6054%$$ , &/

%$&%8%$ 5$'3 +*%** +%&

• D4356 < 5$+3* '* 60 +*0 0+%0&*

T/ '65<0 % &/ I850'&%5 M''& U%& */5+3$ 60$5%'&3, /'4

*&'&%*&%2* '$ %850'&%5 &2/535, (IT) '* &/%0 250 256&2,. T/ *&'88 

'**52%'&$ <%&/ %850'&%5 ''& % 0+3'&50,; *+604%*50, '$ 0*'02/

$6'0&&* ', 54 &5 &/ IMU % ' 6/'*$ '0 252+00&3, <%&/ &/

&0'*80 58 $'&'-03'&$ '2&%4%&, 805 &/* $6'0&&* &5 &/ IMU. I '$$%&%5;

&/0 <%33 ' $ &5 65*& *5 588%20* % &/ +%& </5 /'4 95<3$ 58 

255%2* '$ >60%2 % 0+3'&%5 '$ '9% *+604%*%5 &5 *+0 &/'& &/

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37

%850'&%5 $* 58 &/ B'9 850 '33 %&* 8+2&%5* '0 <33 +$0*&55$ '$ & 5

' 25&%+$ '*%*.

CONCLUSION

MIS $%880 805 0+3'0 %850'&%5 *,*&* 2'+* &/ 60%'0, 572&%4* 58 &/* *,*&* '0 &5 ''3,? 5&/0 *,*&* $'3% <%&/ &/ 560'&%5'3 '2&%4%&%* %

&/ 50'%?'&%5. I &/%* <',; MIS %* ' *+*& 58 &/ 540'33 63'% '$ 25&053

'2&%4%&%* 2540% &/ '663%2'&%5 58 /+'*; &2/535%*; '$ 6052$+0* 58 &/

50'%?'&%5. =%&/% &/ 8%3$ 58 *2%&%8%2 ''&; MIS %* 5*& 58 & &'%350$

&5 &/ '+&5'&%5 50 *+6650& 58 /+' $2%*%5 '9%. M''& %850'&%5

*,*&* (MIS) '9 %& 65**%3 850 50'%?'&%5* &5 & &/ 0%/& %850'&%5 &5 &/

0%/& 6563 '& &/ 0%/& &% , /'2% &/ %&0'2&%5 &< &/

50'%?'&%5’* 6563; &/ $'&' 25332&$ % %&* 4'0%5+* IT *,*&*; '$ &/

 6052$+0* %& +**. I& 0%* &5&/0 &/ 0'< $'&' 25332&$ , &/ 4'0%5+* +*%**

'0'* 58 &/ 50'%?'&%5; </%2/; </%3 +*8+3 850 *62%8%2 8+2&%5* *+2/ '*

'225+&%; $5* 5& 6054%$; , %&*38; %850'&%5 &/'& 2' +*$ &5 '9

$2%*%5*. A* 50'%?'&%5* 05<; MIS '335<* %850'&%5 &5 54 &<

8+2&%5'3 '0'* '$ $6'0&&* %*&'&3,; 0$+2% &/ $ 850 8'2-&5-8'2

25+%2'&%5* '5 635,*; &/+* %20'*% &/ 0*65*%4** 58 &/

50'%?'&%5.

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38

BIBLIOGRAPHY

/&&6:.<%9%6$%'.50<%9%M''&%850'&%5*,*&

/&&6:<<<.&+&50%'3*65%&.25''&%850'&%5*,*&

/&&6:0%.50.%*20%6&*P+3%2'&%5R650&D&'%3*.'*6>

.<%9%6$%'.50<%9%R*04B'958I$%'

<<<.0%.50.%255'3%*/*20%6&*FAQ*.'*6>