This document summarizes the contents of 13 chapters in a research project on changes in the Indian banking system due to liberalization, privatization, and globalization. The first 3 chapters provide background on the history and origins of marine insurance in India, definitions, and a review of related literature. Chapters 4-6 discuss issues around liberalization and its results. Chapters 7-9 cover various topics like marketing, NPAs, and a case study. Chapters 10-12 describe the project's methodology, including primary and secondary data collection, findings, conclusions, and recommendations. The last chapter includes annexes like a questionnaire and bibliography citing sources used.

1. CHAPTER NO 1
1.1 PREFACE
Though the origin of insurance is lost in antiquity yet evidence is on
record that arrangements embodying the idea of insurance were made in Babylonia and India
as quite as early period. The codes of Hammurabbi and of Manu had recognized the
advisability of provision for sharing future losses. However, the genesis of insurance business
in its present form can be traced back to underwriters in Lloyd’s Coffee House in London.
Initially the concept of insurance arose out of the mercantile adventures of transporting
goods across the sea.
(ANOOP K. KAUSHAL
S.K.MOHANTY)

2. 1.2 INTRODUCTION
Since independence, the Indian Navy and Indian Shipping had
undergone considerable expansion but as there had not been legislation governing marine
insurance the Indian Marine Insurance continued to be governed by the British Marine
Insurance Act of 1906. at the same time the insurance contracts in India also became subject
to the provisions of Indian Contract Act, 1872. The insurance policy form used in India was
the English form based on mercantile customs and business conventions. They at times were
in conflict with the provisions of the Indian Contract Act, 1872. Due to this unsatisfactory
position it was considered essential to have a comprehensive legislation consistent to Indian
Conditions . To achieve this objective the Marine Insurance Bill was introduced in the
Parliaments.

3. 1.3 DEFINITAIONS
Marine insurance defined :
A contract of marine insurance is an agreement whereby the insurer
undertakes to indemnify the assured, in the manner and to the extent thereby agreed, against
marine losses, that is to say the losses incidental to marine adventure.

4. CHAPTER 2
2.1 OBJECTIVE:
2.2 LIMITATION: -
PRIMARY DATA: -
SECONDARY DATA: -
CHAPTER 3
REVIEW OF LITTERATURE
News & Analysis

5. CHAPTER 4
Liberalization
4.4 Problems with Liberalization
4.5 Result of above Point
CHAPTER 5

6. CHAPTER 6
CHAPTER 7

7. CHAPTER 8

8. CHAPTER 9
CASE STUDY
CHAPTER 10
Primary Data Collection
YES NO
•
• Reducing N.P.A
• Emphasis on Marketing
• Third party

9. DENA
BANK
42%
BANK OF
BARODA
58%
2.
YES NO
5.
YES NO
7.
YSE NO
√
√
√

10. 8.
YES NO
For the Secondary Data collection
Magazine: -
CHAPTER 11
FINDING & CONCLUSION
CHAPTER 12
√

11. SUGGESTION & RECOMMENDATION
On above Project I am studied whatever change’s come in India
that changes are very difficulty face by Indian bank
because of the liberalization, privatization &
globalization.
But what ever change’s come in India that are profitable to the
Indian bank
I like to given a suggestion on my project as follow
 In Indian bank can be required more changes compared to the
foreign bank because this generation are required every think is
automatically
 R.B.I also create the change in interest rate on deposit
 Also change in home loan not only home lone every type of loan
or on that what ever R.B.I charge the interested rate on that also
they can be change
 Every bank given a extra facility to the their customer for
attracting on bank

12. CHAPTER 13
ANNEXURE-1
QUESTIONNAIRE
1. Is there any change’s in policy of your bank if yes please
specified?
YES NO
2. Is there any Merger & Acquisition in your bank?
YSE NO
3. Are change’s beneficial to your bank? Please specified?
YES NO
4. Who are the major competitors?
5. Are Indian bank too more beneficial than foreign
bank’s?
YES NO
6. Changing environment is beneficial to the banks?
YES NO
7. What kinds of problem do your bank to handle the client
face?

13. 8. Are there any growths of Indian banking in coming
recent year?
YES NO
9. How is your experience with Electronic Banking?
V. Good Good
Average Bad
10.Has liberalization / privatization changes the way of
banking?
YES NO Some Extent
11. I.T in bank encouraging online frauds?
YES NO
12. I.T in bank affect the work of the employee?
↑ The work ↓ the work
Same at both levels’

14. BIBLIOGRAPHY
I use many author, Internet, web site, magazine, newspaper and
many source of information.
Magazine: -
1. The Hindu Survey Of Indian Industry 2006
Page number – 49
2. Banking & Insurance
(January –October 2004)
Page number –13
Book: -
Managing Indian Banks –
Written by Vasant Joshi and Vinay Joshi
Electronic Reference: -
www.yahoo.com
www.google.com
www.wikipidia.com