This document provides a project report submitted to Savitribai Phule Pune University on "A Financial Approach Towards Performance of Various Services of Axis Bank Ltd". The report was submitted to the Department of MBA at SR College of Engineering in partial fulfillment of an MBA degree. It discusses the objectives, methodology, theoretical background, data analysis, findings, conclusion and suggestions of the project conducted at the Kopargaon branch of Axis Bank Ltd. The project aims to study the financial services, account types, operations processes and customer feedback to analyze the bank's performance. It finds that Axis Bank's financial position is good with potential for improved liquidity and customer relationships.

1. A
PPRROOJJEECCTT RREEPPOORRTT
OONN
“A Financial Approach Towards Performance Of
Various Services Of Axis Bank Ltd”
At
KOPARGAON BRANCH
SSUUBBMMIITTTTEEDD TTOO
SSaavviittrriibbaaii PPhhuullee PPuunnee UUnniivveerrssiittyy
IINN TTHHEE PPAARRTTIIAALL FFUULLFFIILLLLMMEENNTT OOFF TTHHEE RREEQQUUIIRREEMMEENNTT OOFF
MMAASSTTEERR OOFF BBUUSSIINNEESSSS AADDMMIINNIISSTTRRAATTIIOONN ((MM..BB..AA..))
UUNNDDEERR TTHHEE GGUUIIDDAANNCCEE OOFF
PPrrooff.. VV..MM..TTiiddkkee..
--SSUUBBMMIITTTTEEDD BBYY--
MMIISSSS..KKRRUUTTIIKKAA NNAARREENNDDRRAA LLAALLWWAANNII..
SSUUBBMMIITTTTEEDD TTOO--
SS..RR..EE..SS.. CCoolllleeggee ooff EEnnggiinneeeerriinngg DDeeppaarrttmmeenntt ooff MMBBAA,, KKooppaarrggaaoonn
22001155--22001166

2. SANJIVANI RURAL EDUCATION SOCIETY’S,
COLLEGE OF ENGINEERING,
DEPT. OF MBA
Certificate
This is to certify that Miss.krutika Narendra Lalwani. has submitted a summer
project on ”AFinancial Approach towords Performance of Various Services of
Axis Bank Ltd ”to Savitribai Phule Pune University of Pune for the partial
fulfilment of Master in Business Administration (M.B.A.).
We further certify that to the best of our knowledge and belief, the matter
presented in this project has not been submitted to any other Degree or Diploma
course.
Prop. V.M. TIDKE Dr. B. M. Londhe
(Internal Guide) (Head of Department) External Examiner

3. Declaration
I hereby declare that the Dissertation report entitled A Financial Approach towords
Performance of Various Services of Axis Bank Ltd is an independent analysis work carried
out by me as a part of MBA curriculum, university of Pune, under the guidance of Prof.
V.M.Tidke.
This project was undertaken as a part of academic curriculum according to the university rules
and norms and had no commercial interest and motive. It is my original work.
Place:- : Kopargaon (Krutika Narendra Lalwani)
Date:- / / 2016 MBA-II (Finance)

4. ACKNOWLEGEMENT
The satisfaction of completion of any successful task is incomplete without mentioning
the name of people who made it encouragement crowned our efforts with success.
I have a pleasure in submitting the project report & I take this opportunity to express my sincere
gratitude to all those who have helped me in this completion of this project report.
The MBA curriculum given me a unique opportunity to be in association with one of the largest
multinational company in the country.
I am extremely grateful to Mr.Vaibhav Nichit HR-RM of our Organization for giving me the
opportunity to work on the project. I am extremely grateful to Mr.Jateen kadam ( Branch
Manager) ,for giving me opportunity constant encouragement, support & guidance. I express
my heartily gratitude to my project guides, for providing me all the facilities required in
completing this project.
My heartily gratitude to all those who have directly or indirectly given assistance in
making this project easier & possible.
Miss. Krutika Narendra Lalwani.

5. INDEX
Chapter No. Chapter Name Page No.
1. Executive Summary
2. Introduction
3. Industry Profile
4. Company Profile
5. Product Profile
6. Objective of Study
7. Research Methodology
(i) Primary Data
(ii) Secondary Data
(iii) Sampling
(iv) Scope of the study
(v) Limitations of the study
8. Theoretical Background of the study
9. Data Analysis and Interpretation
10. Findings
11. Conclusion
12. Suggestions
13. Learning objective
14. Bibliography
Annexure

6. CHAPTER 1
Executive Summary

7.  INTRODUCTION OF THE PROJECT:
The Savitribai Phule University of Pune had given the Subject of Summer internship Project for
Master of Business Administration [M.B.A.] Semester 3rd Our Project Report subject is practical
training for project work in Axis Bank Ltd.
Location:
Axis Bank Kopargaon Branch
Near By Ground Floor,Jyoti Sahakari patsan
Jyoti circle, Main Road, Kopargaon.
Dist:Ahmednagar, Kopargaon-423601.
Duration:
Duration of the project is 2 Monts.
Project title:
“A Financial Approach towords Performance of Various Services of Axis Bank Ltd”. The
Branch head of the Axis Bank Kopargaon Branch Pvt. Ltd is Mr.Jateen Kadam sir who has all
information Provide about the Bank. I choose the Axis Bank Pvt. Ltd. Because in this Bank
financial is well procedure. And my subject topic is A financial Approach towords Performance
of Various Services of Axis Bank Ltd.
In the Bank there are various produce i.e. Accounts: Current Account, Saving Accounts, Saving
plus Account, D-mat Account, Salary Account etc. And in Operation Sector: RTGS, NEFT,
Transfer, E-Payment, Clearing etc.
Financial Approach towords Performance of Various Services is a major component of Bank and
taken a constructive decision for future prospect of a Bank. The financial analysis is the process
of evaluating, Businesses, projects, Budgets and other finance related entities to determine their
Suitability for Investment. based on financial statement I have collected primary and secondary
data from financial statement of Bank and discussion with various staff member in Bank.

8. Objective of the project:
1. To study the financial services of Axis bank.
2. To study the various types of account.
3. To study the Process of Operations in Axis Bank.
4. To analysis the performance of Axis Bank with the help of customer feedback.
5. GENERAL FINDING, SUGGESTION & CONCLUSION:
Financial Position of Bank is good. There is a more scope to Improve Bank Liquidity
Position just like the way they have create a better Relationship with customer.
All the Companies assets are effective and efficient to generate the sales so company in
growth stage and it’s required more capital.
Profitability position of Bank is good and Bank give higher return on investment.
Solvency position of Bank is good and it should maintain it.
Bank should try to increase their customer relationship and try to do decrees the value of
Accounts.

9. CHAPTER -2
Introduction

10.  CLASSIFICATION OF BANKS:
The commercial banking structure in India consist of: Scheduled commercial Banks and
Unscheduled Banks, with the Reserve Bank of India (RBI) as the apex governing body. RBI has
licensing powers and the authority to conduct inspections on other Banks. The chart below depicts
the Indian Banking industry. The figures in brackets are the number of Banks in each category.
Reserve bank ofIndia (Controlling Authority)
Scheduled Bank Non- Scheduled Bank
Cooperative Bank Commercial Bank
Urban Bank Rural Bank Public Sector Private Sector (21) Foreign Banks (34)
Nationalized Banks SBI & Associates (6) Regional Rural Banks (82)
(20)
Local Ares Banks (4)

11.  A SNAPSHOT OF THE BANKING INDUSTRY:
The Reserve Bank of India (RBI), as the central bank of the country, closely monitors
developments in the whole financial sector.
The banking sector is dominated by Scheduled Commercial Banks (SBCs). As at end March
2011, there were 296 Commercial banks operating in India. This included 27 Public Sector
Banks (PSBs), 31 Private, 42 Foreign and 196 Regional Rural Banks. Also, there were 67
scheduled co-operative banks consisting of 51 scheduled urban cooperative banks and 16
scheduled state co-operative banks.
Scheduled commercial banks touched, on the deposit front, a growth of 14% as against 18%
registered in the previous year. And on advances, the growth was 14.5% against 17.3% of the
earlier year. State Bank of India is still the largest bank in India with the market share of 20%
ICICI and its two subsidiaries merged with ICICI Bank, leading creating the second largest bank
in India with a balance sheet size of Rs. 1040bn.
Higher provisioning norms, tighter asset classification norms, dispensing with the concept of
‘past due’ for recognition of NPAs, lowering of ceiling on exposure to a single borrower and
group exposure etc., are among the measures in order to improve the banking sector.
A minimum stipulated Capital Adequacy Ratio (CAR) was introduced to strengthen the ability of
banks to absorb losses and the ratio has subsequently been raised from 8% to 9%. It is proposed
to hike the CAR to 12% by 2004 based on the Basle Committee recommendations.
Retail Banking is the new mantra in the banking sector. The home Loans alone account
for nearly two-third of the total retail portfolio of the bank. According to one estimate, the retail
segment is expected to grow at 30-40% in the coming years.
Net banking, phone banking, mobile banking, ATMs and bill payments are the new buzz words
that banks are using to lure customers.
With a view to provide an institutional mechanism for sharing of information on borrowers /
potential borrowers by banks and Financial Institutions, the Credit Information Bureau (India)
Ltd. (CIBIL) was set up in August 2000. The Bureau provides a framework for collecting,
processing and sharing credit information on borrowers of credit institutions. SBI and HDFC are
the promoters of the CIBIL.

12. The RBI is now planning to transfer of its stakes in the SBI, NHB and National bank for
Agricultural and Rural Development to the private players. Also, the Government has sought to
lower its holding in PSBs to a minimum of 33% of total capital by allowing them to raise capital
from the market. Banks are free to acquire shares, convertible debentures of corporate and units
of equity oriented mutual funds, subject to a ceiling of 5% of the total outstanding advances
(including commercial paper) as on March 31 of the previous year.
The finance ministry spelt out structure of the government-sponsored ARC called the Asset
Reconstruction Company (India) Limited (ARCIL), this pilot project of the ministry would pave
way for smoother functioning of the credit market in the country. The government will hold 49%
stake and private players will hold the rest 51%- the majority being held by ICICI Bank (24.5%).
 REFORMS IN THE BANKING SECTOR:
The first phase of financial reforms resulted in the nationalization of 14 major banks in 1969 and
resulted in a shift from Class banking to Mass banking. This in turn resulted in a significant
growth in the geographical coverage of banks. Every bank has to earmark a minimum percentage
of their Loan portfolio to sectors identified as “priority sectors”. The manufacturing sector also
grew during the 1970s in protected environs and the banking sector was a critical source. The
next wave of reforms saw the nationalization of 6 more commercial banks in 1980. Since then
the number scheduled commercial banks increased four-fold and the number of banks branches
increased eight-fold.
After the second phase of financial sector reforms and liberalization of the sector in the early
nineties, the Public Sector Banks (PSB) s found it extremely difficult to complete with the new
private sector banks and the foreign banks. The new private sector banks first made their
appearance after the guidelines permitting them were issued in January 1993. Eight new private
sector banks are presently in operation. This banks due to their late start have access to state-of-
the-art technology, which in turn helps them to save on manpower costs and provide better
services.

13. Chapter -3
Industry Profile

14.  PRODUCT AND SERVICES:
Accounts
• EasyAccess Savings
Account
• Prime Savings account
• SalarySavings Account
• Power salute:A salute
to the defiance forces
• Senior Privilege
Savings Account
• For the womanof
today– Smart Privilege
Savings Account
• A complete banking
solutionfor Trusts,
Associations, Societies,
Government Bodies,
Section25 companies
and NGOs
• PensionSavings Bank
Account,
Deposits
• FixedDeposits
• Recurring Deposits
• Encash 24
• Tax Saver Fixed
Deposit
Loan
•Welcome to the wide
range of Axis Bank's
Loan
•products. Put anend
to your financial
troubles.
• Power Homes
• Power Drive
• Personal Power
• StudyPower
• Asset Power
• Two Wheeler Loan
• Loan Against
Security
• Consumer Power

15. Cards
•Apart from Gold &
Silver creditcards,
Axis Bank provides
• Axis Bank Meal
Card
• Axis Bank Gift Card
• LIC co-branded
Annuity Card
Capital Markets
• Debt Solutions
• Equity Solutions
• PrivateEquity,
Mergers &
Acquisitions
• Advisory Services
• Trusteeship
Services
• Depository
Services
• Capital Market
Funding
• e-Broking
Credit
• WorkingCapital
Finance
• Term Loans
•Trade Services and
Trade Finance
• Structured Finance
• Supply Chain
Management
• Overseas Financing
and Transactions
• SME Standard
Products
• Power Trace

16.  BOARD OF DIRECTORS:
The Bank has 10 members on the Board. Dr. Sanjiv Misra is the Chairman and Dr Shikha
Sharma MD & CEO of the Bank.
The members of the Board are:
Mr. Prof. Smir K Barua Miss. Usha Sangwat Director
Director

17.  ABOUT AXIS BANK:
Axis Bank was the first to new private bank to have begun operations in 1994, after the
government of India allowed the new private bank to be established. The bank was promoted
jointly by the administrator of the specified undertaking of the unit trust of India (SUUTI), Life
Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC) and the for
PSU General Insurance Company Ltd. And United India Insurance Company Ltd. The present
shareholding pattern of Axis Bank is as given below.
Administrator of the specified Undertaking of the UTI. 23.68%
Life Insurance Corporation of India. 09.56%
GIC and four PSU Insurance Companies. 03.97%
Non-Promoter Indian Shareholding. 15.72%
Non-Promoter Foreign Shareholding 47.07%
 SNAPSHOT
Company Background
Industry Banks - Private Sector.
Business Group AXIS Group
Incorporation Date December 1993
Public Issue Date 02 April 1994
Face Value 02.00
Company/Business Registration No INE040A01018
Key Officials CEO Shikha Sharma

18.  VISION &MISSION OF AXIS BANK:
 VISION:
The AXIS Bank is committed to maintain the highest level of ethical standards, professional
integrity and regulatory compliance. AXIS Bank’s business philosophy is based on four core
values such as:-
1. Operational excellence.
2. Customer Focus.
3. Product leadership.
4. People.
The objective of the AXIS Bank is to provide its target market customers a full range of
financial products and banking services, giving the customer a one-step window for all his/her
requirements. The AXIS Bank plus and the investment advisory services programs have been
designed keeping in mind needs of customers who seeks distinct financial solutions, information
and advice on various investment avenues.
 MISSION:
1) World Class Indian Bank
2) Benchmarking against international standards.
3) To build sound customer franchises across distinct businesses.
4) Best practices in terms of product offerings, technology, service levels, risk management and
audit & compliance.