Financial performance of selected banks in patiala punjab national bank union bank,hdfc bank axis bank icici bank

International Journal of Advanced Research in Management (IJARM), ISSN 0976 – 6324 (Print),
ISSN 0976 – 6332 (Online), Volume 6, Issue 2, May-August (2015), pp. 01-13 © IAEME
1
FINANCIAL PERFORMANCE OF SELECTED BANKS
IN PATIALA - (PUNJAB NATIONAL BANK, UNION
BANK, HDFC BANK, AXIS BANK & ICICI BANK)
SUMIT KUMAR BALI
Research Scholar, Shri Venkateshwara University, Gajraula, India
Dr KIRTI AGARWAL
Director, ITERC College, Ghaziabad, NCR
Supervisor, Shri Venkateshwara University, Gajraula
ABSTRACT
The banking sector is considered to be an important source of financing for most
businesses. They play a very important role in the effort to attain stable prices, high level of
employment and sound economic growth. They make funds available to meet the needs of
individuals, businesses and the government. In doing this, they facilitate the flow of goods
and services and the activities of governments Efficiency and profitability of the banking
sector in India has assumed primal importance due to intense competition, greater customer
demands and changing banking reforms. Since competition cannot be observed directly,
various indirect measures in the form of simple indicators or complex models have been
devised and used both in theory and in practice. This study attempts to measure the relative
performance of Indian banks. For this study, we have used public sector banks and private
sector banks. We know that in the service sector, it is difficult to quantify the output because
it is intangible. Hence different proxy indicators are used for measuring productivity of
banking sector. Segmentation of the banking sector in India was done on bank assets size.
Overall, the analysis supports the conclusion that new banks are more efficient that old ones.
The public sector banks are not as profitable as other sectors are. It means that efficiency and
profitability are interrelated.
INTERNATIONAL JOURNAL OF ADVANCED RESEARCH
IN MANAGEMENT (IJARM)
ISSN 0976 - 6324 (Print)
ISSN 0976 - 6332 (Online)
Volume 6, Issue 2, May-August (2015), pp. 01-13
© IAEME: www.iaeme.com/IJARM.asp
Journal Impact Factor (2015): 6.8712 (Calculated by GISI)
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IJARM
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2
INTRODUCTION
Modern banking in India, is said to have developed during the British era. In the first
half of the 19th
Century, the British East India Company established three banks – the Bank
of Bengal in 1809, the Bank of Bombay in 1840 and the Bank of Madras in 1843. But in the
course of time these three banks were amalgamated to a new bank called Imperial Bank and
later on this bank was taken over by the State Bank of India in 1955. Allahabad Bank was the
first fully owned Indian bank. The Reserve Bank of India was established in 1935 followed
by other banks like Punjab National Bank, Bank of India, Canara Bank and Indian Bank. The
main aim of nationalizing the banks in India was to make it reach its clients in rural areas and
be able to provide them with quality services and this process of nationalizing occurred more
in 1969. In 1969, 14 major banks were nationalized and in 1980, 6 major private sector banks
were taken over by the government. A fundamental role of the Bank is to help governments
work better in client countries.
Today, commercial banking system in India is divided into following categories-:
Public Sector Banks
Private Sector Banks
Co-operative Sector
For the purpose of discussion in this section public sector banks are taken, which are
further categorized as under-:
• State Bank of India and its associate banks, called the State Bank Group
• 19 nationalized banks
• Regional rural banks, mainly sponsored by public sector banks
The Public Sector Group’s objectives are based on the view that the Bank must focus
more of its efforts on building efficient and accountable public sector institutions rather than
simply providing discrete policy advice.
Banks in whom government holds its own stake means, equity shares capital like SBI,
Bank of Baroda etc. fall under the category of Public sector banks. In public sector banks
51% of shares are held by the government and 49% by others. Hence, they contribute
significantly towards the social banking.
INTRODUCTION OF PRIVATE BANKING IN INDIA
Private banking in India has been in practice since 1921 - almost the beginning of
banking system in India. Banks have been categorized into three major categories viz., public
sector banks, private sector banks, cooperative sector. This section deals only with private
sector banks.
The five categories of private sector banks are –
Old generation private banks
New generation private banks
Foreign banks operating in India
Scheduled co-operative banks
Non-scheduled banks
Banking industry has come a long way since the time of its inception. New economic
policies, global perspective and a new generation of customers have contributed to its

3
evolution. Many of these new private sector banks have brought with them state-of-art
technology for business processing and service delivery, besides being efficient in catering to
the customers demands. The Global Trust Bank became the first private bank which later was
unified with Oriental Bank of Commerce. The first Private Bank in India to receive an in-
principle approval from the Reserve Bank of India, was the HDFC or the Housing
Development Finance Corporation Limited, to set up a bank in the private sector in India, as
part of the RBI’s liberalization of the Indian Banking Industry.
Old generation private banks-
1. The Bank of Rajasthan Ltd.
2. The Catholic Syrian Bank Ltd.
3. The City Union Bank Ltd.
4. The Dhanalakshmi Bank Ltd.
5. The Federal Bank Ltd.
6. The ING Vysya Bank Ltd.
7. The Jammu and Kashmir Bank Ltd.
8. The Karnataka Bank Ltd.
9. The Karuk Vysya Bank Ltd.
10. The Lakshmi Vilas Bank Ltd.
New generation private banks
1. The Bank of Punjab Ltd. (since merged with Centurian Bank)
2. The Centurian Bank of Punjab (since merged with HDFC Bank)
3. The Development Credit Bank Ltd.
4. The HDFC Bank Ltd.
5. The ICICI Bank Ltd.
6. The IndusInd Bank Ltd.
7. The Kotak Mahindra Bank Ltd.
8. The Axis Bank Ltd. (earlier UTI Bank)
9. The Yes Bank Ltd.
The Private Sectors Banks in India are witnessing immense progress. They are leaders
in Internet banking, mobile banking, phone banking and others. Private Banks have
developed an environment of competition which has fostered growth. They play a major role
when it comes to serving the people, with varied financial requirement. These banks have
made the banking services more efficient and customer friendly. Various steps adopted by the
Indian Government and RBI, confirm that Indian money invested in the various banks all
over the country, is secure.
REVIEW LITERATURE
Jha and Sarangi (2011) analyzed the performance of seven public sector and private
sector banks for the year 2009-10. They used three sets of ratios, operating performance
ratios, financial ratios, and efficiency ratios. In all eleven ratios were used. They found that
Axis Bank took the first position, followed ICICI Bank, BOI, PNB, SBI, IDBI, and HDFC, in
that order.

4
Dangwal and Kapoor (2010) evaluated the financial performance of nationalized
banks in India and assessed the growth index value of various parameters through overall
profitability indices. The data for 19 nationalized banks, for the post-reform period from
2002-03 to 2006-07, was used to calculate the index of spread ratios, burden ratios, and
profitability ratios. They found that while four banks had excellent performance, five
achieved good performance, four attained fair performance, and six had poor performance.
Sharma (2010) assessed the bank failure resolution mechanism to analyze the powers given
by the countries to their regulators to carry out resolution of failed banks among 148
countries during 2003. She used 12 variables for correlation and regression analysis. Her
study revealed that the countries which had faced systemic crisis were more prone to
providing liquidation powers to their regulators. These countries had a tendency to protect
their regulators through immunity, rather than any legal action. Systemic crisis did not
significantly influenced the regulators’ powers for the restructuring of the banks.
Pat (2009) made an assessment of the RBI’s Report on “Trend and Progress of
Banking’ in India, 2007-08, which reported a relatively-healthy position of the Indian
banking system. He noted that the various groups of banks reported improvements in net
profits, return on assets and return on equity. Two basic indicators of sound banking system,
namely, capital to risk weighted assets and quality of assets, also revealed considerable
improvements over the years.
B.Satish Kumar (2008), in his article on an evaluation of the financial performance of
Indian private sector banks wrote Private sector banks play an important role in development
of Indian economy. After liberalization the banking industry underwent major changes. The
economic reforms totally have changed the banking sector. RBI permitted new banks to be
started in the private sector as per the recommendation of Narashiman committee. The Indian
banking industry was dominated by public sector banks. But now the situations have changed
new generation banks with used of technology and professional management has gained a
reasonable position in the banking industry.
OBJECTIVES OF THE STUDY
• To compare the performance of public and private banks of India.
• To suggest various measures for improving performance.
• To compare the profit earning of the selected public sector banks and private sector
banks from the year 2009 to 2012
NEED OF THE STUDY
With the advances in computational tools, performance evaluation systems have
evolved over a period of time from single-aspect systems to more comprehensive systems
covering all aspects of an organization. Significance of performance evaluation in an
organization, for sustainable growth and development, has been recognized since long. This
calls for a system that first measures and evaluates the performance, and then brings out the
strengths and weaknesses of the organization for the purpose of further improvement.

5
RESEARCH METHODOLOGY
Research Design: This present study is conducted by following a Descriptive Design.
Sample Unit: Any single bank operating in India
Sample Size: For the in-depth analysis of the profitability, two major public sector and two
private sector banks are selected from Patiala city (Punjab).
Sampling Technique: Judgmental sampling.
Data Collection
Data was collected through Reserve Bank of India monthly bulletins, annual reports,
money rediff, money control , banks websites etc. Three private sector and three public sector
banks were selected on the basis of their total assets.
PROFILE OF SELECTED PUBLIC SECTOR BANKS
The two public sector banks which are selected for the purpose of study are Punjab
National Bank and Union Bank of India. These banks have the facilities that make them
competent enough to provide services as per contemporary environment. Moreover, the
varied customer base of these banks significantly affects the study of customer satisfaction.
(A) PUBLIC SECTOR BANKS
PUNJAB NATIONAL BANK
PUNJAB NATIONAL BANK PATIALA - MODEL TOWN BRANCH
Punjab National Bank established its first branch in Patiala at Model Town Patiala.
Since then bank continued to grow its business and was made to open various branches in the
city. The Model Town branch of the bank has been taken for the purpose of the study.
Presently bank is running its business through six branches located at the significant places in
the city. Various branches of the bank in the city are at Dera Bassi , Phatak 22 road , lang ,
Basant Pura , dakala etc.
TABLE 1 :- DETAILS OF AMOUNTS DEPOSITED AT PNB MODEL TOWN ,
PATIALA
Year Savings
Deposit A/c
Current
Deposit A/c
Fixed Deposit
A/c
Growth Rate
in %
2008 237727 373035 954107 24.25
2009 251078 504223 1032197 14.23
2010 168376 562749 1101086 2.50
2011 291078 556223 1342197 4.89
2012 312276 612749 1501089 6.70
*Source: Information collected from the bank , **Figures in Rs. Thousand

6
The table 6.1 shows a rising trend in total deposits of the branch. The share of savings
account in total deposits of the branch This shows a rising contribution of savings account in
the total deposits except in the year 2008, for which bank staff holds transfer of the number of
savings account to the other branches of the bank in the city. The trend of deposits shows that
deposits are rising but the rate of rise is not consistent.
TABLE 2 :- DETAILS OF AMOUNTS ADVANCED BY PNB MODEL TOWN
PATIALA
Year Advances-
short term
Automobile Home Education Trade/
Business
Others Growth
Rate in %
2009 162778 7830 17621 1138 52719 83470 23.21
2010 230109 12075 38815 1542 85518 92159 41.36
2011 159418 15746 28809 2891 94627 28343 -28.33
2012 190902 9692 41308 6521 102100 31281 15.76
* Source: Information collected from the bank, **Figures in Rs. Thousand
The contribution of the short term advances in total advances are 50%, 50%, 50%,
48.33%, 50% approximately from 2009-2012. As we can see that nearly half of the total
advances comprise short term advances. The field of education has not taken much from this
branch which is 0.27%, 0.35%, 0.34%, 0.88%, 1.71% in the years. The share of loans taken
for the purpose of trade or business shows a consistent rising trend 15.60%, 16.19%, 18.58%,
28.69% and 26.74%. The category of others include loan taken for agriculture purpose or for
other personal reasons, the share of this category is 29.69%, 25.64%, 20.03%, 8.59%, 8.19%
in respective years. The share of others was high in the first three years, but this share
lowered in the last two years.
0
2000
4000
6000
8000
10000
12000
14000
16000
2008 2009 2010 2011 2012
Year
Savings A/c
Current A/c
Fixed deposit A/c
FIGURE 1:- DETAILS OF THE DEPOSITORS OF PNB
* Source: Information Collected from the bank
As per the table the numbers of accounts have increased, sometimes in an increasing
ratio and other times in a diminishing ratio but a rise has always been registered. The no. of
accounts increased each year. The percentage increase in the number of account holders is
16.10%, 22.22%, 9.43% and 19.30 in the years from 2008-2012. The number of accounts in
the savings category always raised more in comparison to other types of accounts. About

7
59% rise in the 1st year, 60.5% in the next year and 53.90%, 56.96% and 51.41% in the next
three years.
Year
Advances (short term)
Home
Automobile
Education
Business
Others
FIGURE 2:-DETAILS OF THE BORROWERS OF PNB
* Source: Information collected from the bank
The overall trend of number of borrowers in PNB shows quite a fluctuating trend
34.23%, 6.66%, 40.60% and 49.82% in years 2008-2012.
UNION BANK OF INDIA
UNION BANK OF INDIA DHARAMPURA BAZAR, DHARAMPURA BAZAR,
PATIALA
The researcher has chosen Union Bank of India Dharam Pura Bazar , patiala for the
purpose of study as the branch gives almost equal representation to all the segments of the
society/ customers. As far as the size of the branch in terms of customer base, deposits and
lending is concerned it is more or less similar to the selected branch of Punjab National Bank.
The branch has almost all the features of modern day banking and thus appropriate to make a
comparative study with the new age private sector banks.
TABLE 3:- DETAILS OF AMOUNTS DEPOSITED AT UBI DHARAMPURA BAZAR
, PATIALA
Year Savings A/c Current A/c Fixed
Deposit
Growth Rate
in %
2009 268100 73300 756000 21.17
2010 220000 64000 740000 6.69
2011 268100 73920 816000 27.01
2012 279000 79600 923000 30.23
* Source: Information collected from the bank , **Figures in Rs. Thousand

8
The contribution of savings account in the total deposits of UBI in 2009-2012 is 23%,
23.42%, 24.43%, 24.43%, 21.48% respectively. UBI was opened with most of the customers
from business community, who prefer to maintain current account but today the share of
current account in the total share of deposits is 6.08%, 6.47%, 6.68%, 6.25% in this period.
The share of fixed deposit in the concerned period is 70.93%, 70.11%, 68.89% and 72.27%.
Overall deposits show a wavering trend 13.70%, 21.17% and 6.69% from the year 2009 to
2012.
TABLE 4:- DETAILS OF AMOUNTS ADVANCED BY UBI DHARAMPURA
BAZAAR, PATIALA
Year Automobile Home Education Trade Others Growth
Rate in
%
2009 13200 47500 6200 230000 67800 +7.71
2010 14000 40000 6700 210000 62000 -8.77
2011 12000 50000 6400 200000 53500 -3.25
2012 14500 67000 6920 250000 59700 +8.91
* Source: Information collected from the bank , **Figures in Rs. Thousand
The trend as can be seen for the amounts advanced in the concerned period is :-
+7.71%, -8.77%, -3.25% , + 8.91. Union Bank of India dharampura bazaar is existing in the
midst of the market thus borrowers are more from trade side. Thus, the share of funds
borrowed for the purpose of trade in total advances has been significant which is 64.97%,
63.07%, 63.12% and 62.13% respectively. The category of Others shows more or less
homogeneous share in the total advances – 16.66%, 18.59%, 18.64% and 16.62% from the
year 2009-2012.
DEPOSITORS OF UNION BANK OF INDIA
Year
Saving A/c
Current A/c
Fixed Deposit A/c
FIGURE 3:- DETAILS OF THE DEPOSITORS OF UBI
* Source: Information Collected from the bank
The share of savings account holders has been - 59.93%, 59.16%, 59.12% and
58.93% of the total depositors in the years from 2009-2012. Percentage share of current
account holders in total depositors is 2.62%, 2.85%, 2.95% and 2.70% in the years of study.

9
Fixed Account holders in total depositors show a rising trend 37.45, 37.99, 39.93 and 38.36%
in years from 2009-2012.
BORROWERS OF UNION BANK OF INDIA
0
1000
2000
3000
4000
5000
6000
7000
8000
Year Home Automobile Education Business Others
FIGURE 4:-DETAILS OF THE BORROWERS OF UBI
* Source: Information collected from the bank
The Home loan borrowers had a share of 16.39%, 12.91%, 13.52% and 13.70 in the
years 2008-2012. Automobile Sectors borrowers shared these percentage figures in total
borrowings 10.10%, 6.76%, 6.63% and 5.74% in years from 2008 to 2012. Borrowers from
education field have percentage share of 4.94%, 4.92%, 4.85% and 4.20% in the said period.
(B) PRIVATE SECTOR BANKS
PROFILE OF SELECTED PRIVATE SECTOR BANKS
The three private sectors banks selected for the purpose of the present study are the
Axis Bank, HDFC Bank and ICICI Bank, Patiala. All three banks came into existence as a
result of the liberalization policy of the government of India.
AXIS BANK
AXIS BANK – THE MALL ROAD, PATIALA
Axis Bank at Patiala, was set up in the year 2002. Since then the bank is marching
forward in the right direction. Bank is carrying out its business both in retail and corporate
banking. The selected Mall Road Branch of Axis Bank 45 employees. There are 16 ATMs of
the bank in the city thus giving its customers an opportunity to get the information regarding
balance and withdrawal of the money at varied places.

10
TABLE 5:- DETAILS OF AMOUNTS DEPOSITED AT AXIS BANK PATIALA
Year Savings A/c Current A/c Fixed deposit
A/c
Growth rate
in %
2010 83600 64500 210000 -
2011 181630 131175 392225 102.29
2012 258369 187700 563100 47.23
*Source: Information collected from the bank , **figure in Rs. Thousand
The share of amounts of the three types of accounts in the total deposits of the bank
has been uniformly spread in the years from 2010-2012. The share of savings account,
current account and fixed deposits account has been 25%, 18.75% and 56.25% in total
deposits of the bank respectively. A normal inference which could be drawn is the significant
amount of fixed deposit contributing towards the total deposit amount.
TABLE 6:- DETAILS OF AMOUNTS ADVANCED BY AXIS BANK PATIALA
*Source: Information collected from the bank, ** figure in thousand Rs.
The advances by the Axis Bank grew exceptionally in the year 2010. Business
borrowings amounted to 77.47%, 78.03% and 75.84% of the total advances. The borrowings
in the others category has been 22.53%, 21.97%, 24.16% of the total advances.
HDFC BANK
HDFC BANK- DHARAMPURA BAZAAR , PATIALA
Set up in the year 2001, the bank has earned for itself a good reputation, since its
establishment. There are 41 employees in this branch of bank. One more branch which has
been opened in the year 2010 is located at different places in Patiala, the initial stages so not
much information was available and thus not been included in the present study.
Year Personal/Business Others Growth rate in
%
2010 156740 39670 -
2011 198730 482300 117.50
2012 1994550 643561 20.09

11
TABLE 7:- DETAILS OF AMOUNTS DEPOSITED AT HDFC BANK PATIALA
*Source: Information collected from the bank. **figure in thousand Rs.
Vehicle or automobile sector has a considerable share in total deposits 56.74%,
58.22% and 62.69% in these years. Business or trade has a moderate share of 31.16%,
32.31%, 29.19% in total deposits in the years concerned. The remaining share is that of
others category which is 12.10%, 9.46% and 8.12% in total deposits in years 2010-2012.
ICICI BANK
ICICI BANK - LEELA BHAWAN, PATIALA
The address of ICICI Leela Bhawan Branch located in Patiala It is situated in Patiala
city is rapidly growing area in Punjab and ICICI Bank Ltd has established itself in the area
as leading Bank providing Net Banking Facility to its customer.
TABLE 8 :- DETAILS OF AMOUNTS DEPOSITED AT ICICI BANK , PATIALA
The amount deposited registered a hike of 97.11% and 20.47% in the two years.
Savings account shared 33.25%, 28.01% and 25.69% in total deposits in years 2011-2012.
Current a/c shared not much in total deposits which is 17.28%, 17.12% and 15.84% in the
respective years. Fixed deposit which is 17.28%, 17.12% and 15.84% in the respective years.
Fixed deposit amounted to 49.47%, 54.86% and 58.47% of total deposits in years 2011-2012.
Year Automobile Trade/Business Others Growth
rate in
%
2010 294655 154400 59222 -
2011 356750 197851 58540 19.59
2012 398389 199800 58780 13.79
Year Savings
A/C
Current
A/C
Fixed
deposit
Growth
rate in %
2010 65129 35855 95060 -
2011 152520 67635 198910 97.11
2012 191050 69958 277250 20.47

12
TABLE 9:- DETAILS OF ADVANCES/LOAN TO VARIOUS SECTORS BY ICICI
BANK PATIALA
Share of home loan in the total advances exists only in the year 2012 which is
25.44%. Share of vehicle sector has been huge in the total advances and this has been
78.16%, 73.01% and 80.71% in years 2010-2012. Others shared small in total advances viz.,
21.84%, 26.99% and 6.15% in the years 2010- 2012. The share of “others” declined in the
year 2012, because of the share of home loan and the rise in commercial vehicle loans.
SUGGESTIONS
• Banks should obey the RBI norms and provide facilities as per the norms, which are
not being followed by the banks. While the customer must be given prompt services
and the bank officer should not have any fear on mind to provide the facilities as per
RBI norms to the units going sick.
• Banks should increase the rate of saving account
• Banks should provide loan at the lower interest rate and education loans should be
given with ease without much documentation. All the banks must provide loans
against shares.
• Customers generally complain that full knowledge is not granted to them. Thus the
bank should properly disclose the features of the product and services to the
customers. Moreover door to door services can also be introduced by bank.
• The branch should promote cooperation and coordination among employees which
help them in efficient working.
• Maintenance of proper hierarchy should be done. A good hierarchy set up can ensure
better results within the bank.
• Banking sector is improving by leaps but still it needs to be improved. Proper and
efficient relationship staffs having knowledge for one stop banking, customer friendly
atmosphere, and better rate of interest are need of the hour. the concept of
privatization has overall improved the services in all the banks. Home banking will be
order of the day.
CONCLUSION
Banking industry has come a long way since the time of its inception. New economic
policies, global perspective and a new generation of customers have contributed to its
evolution. The Government has taken giant strides in introducing and ensuring economic
prosperity. The financial reforms launched during the early 1990s, have dramatically changed
the banking scenario in the country. New prudential norms, such as capital adequacy
prescriptions, identification of bad debts, provision requirements, etc., were enforced; and
Year Vehicle/automobile Others Growth
rate in %
2010 7890 2674 -
2011 17755 5972 105.73%
2012 289025 21472 153.64%

13
interest rates were deregulated. The Public Sector Group’s objectives are based on the view
that the in public sector banks 51% of shares are held by the government and 49% by others.
Hence, they contribute significantly towards the social banking. As a sequel to these reforms,
new private sector banks were allowed to enter into the market. Many of these new private
sector banks have brought with them state-of-art technology for business processing and
service delivery, besides being efficient in catering to the customers’ demands. The number
of private banks has increased considerably, in the last two decades.
REFERENCES
1. http://shodhganga.inflibnet.ac.in/bitstream/10603 /3712/10/10_chapter%203.pdf
2. http://www.businessadonline.com/index.php?option=com_content&view=article&id=
1236:Performance-measurement-of-Banks--NPA-analysis-&-credentials-of-
Parameters&catid=146
3. http://www.researchandmarkets.com/reports/4020/indian_banking_industry
4. http://www.indianmirror.com/indianindustries/banking.htmlhttp://www.ethiopianrevi
5. ew.com/2007/Final%20Paper%20Dhansukodi.htm
6. http://www.scribd.com/doc/39173858/Synopsison- Comparative-Study-on-ICICI-
and-SBI
7. http://www.moneycontrol.com/
8. http://www.moneyrediff.com/
9. http://www.equitymaster.com/
10. http://www.kotaksecurities.com/
11. http://www.gktoday.in/brief-history-of-bankingin-
12. http://en.wikipedia.org/wiki/Indian_Bank
13. http://www.bankingawareness.com/bankinggk/ banking-history-in-india-post-
independence banking- history/
14. Priyanka and Dr D.P Jain, “Empirical Study of Development Banks &
Entrepreneurship Promotion” International Journal of Advanced Research in
Management (IJARM), Volume 6, Issue 1, 2015, pp. 1 – 8, ISSN Print: 0976 – 6324,
ISSN Online: 0976 – 6332.
15. Priyanka and Dr D.P Jain, “Empirical Study of Development Banks &
Entrepreneurship Promotion” International Journal of Advanced Research in
Management (IJARM), Volume 6, Issue 1, 2015, pp. 1 – 8, ISSN Print: 0976 – 6324,
ISSN Online: 0976 – 6332.
16. Kirti Ghale(Research Scholar ) and Dr. D.B. Singh(Supervisor), “Study on
Advertisement Promotion And Supplemental Aspects of Integrated Marketing
Communication” International Journal of Advanced Research in Management
(IJARM), Volume 6, Issue 1, 2015, pp. 50 - 59, ISSN Print: 0976 – 6324, ISSN
Online: 0976 – 6332.
17. Ashish Tripathi(Research Scholar) and Dr Kirti Agarwal(Supervisor), “Corporate
Social Responsibility Impact on The Profitability & Sales of Indian Selected
Organizations” International Journal of Advanced Research in Management (IJARM),
Volume 6, Issue 1, 2015, pp. 60 - 71, ISSN Print: 0976 – 6324, ISSN Online: 0976
– 6332.

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