1. INTRODUCTION
 The concept is not new to banks but is now viewed as an
important and attractive market segment that offers
opportunities for growth and profits.
 Retail banking and retail lending are often used as
synonyms.
 Without a sound and effective banking system in India we
cannot have a healthy economy.
 The banking system of India should not only be hassle free
but it should be able to meet new challenges posed by the
technology and any other external and internal factors .

2. OBJECTIVES OF THE STUDY
 To study the Concept of Retail Banking in
India.
 To understand the Retail Banking in India.
 To understand the Importance of Retail Banking in
India.
 To analyze the different services of Retail Banking
provided In India.
 To evaluate the Retail Banking operations in
India.

3. RESEARCH METHODOLOGY

4. COLLECTION AND ANALYSIS OF DATA
Retail banking
3%
9%
serving to customers
serving to corporate
88% serving to foreign
investors

5. Facilities offered by retail banking
21% 21%
Mobile banking
Deposit system
26% 32% Loans
Demat a/c

6. Proportion of retail depositor in your bank
35% 25%
Homemakers
Retail shopkeeper
27% Pensions
13%
Self employed

7. Current market scenario of retail banking
0%
22%
35%
Excellent
Progressing
Good
43% Poor

8. Avenues for growth
10%
9%
Insurance industry
54% FDI
27%
mnc's
Stock Exchange

9. Round the clock retail banking services
3%
33% ATM’s
36%
Mobile banking
Online Faclities
28%
None

10. Role of technology in retail banking services
30% 24%
Online banking
Easy Transaction
ATM’s
17% 29%
Saves Times

11. Important social responsibility of a bank
25%
Fair practices
61% 14% Proper Knwoledge
Customer’s services

12. Booming opportunities in retail banking
8%
43%
Rural banking
49% Diversified services
Foreign investment

13. INTERPERTATION OF DATA
 Retail banking does not refer to lending only. This requires
product development, innovation, business process and
technological up gradation.
 Retail banking not only fulfills individual needs but also
contributes to economic development by channelizing resources
from unproductive to productive channels.
 The customer interest is of paramount important the banking
sector in India is demonstrating it very well. There is need of
constant innovation in retail banking. Banks now need to use
retail as a growth trigger.

14. CONCLUSION
 Retail banking sector as a whole is facing a lot of competition ever
since financial sector reforms were initiated in the country. Walk-in
business is a thing of the past and banks are now on their toes to
capture business.
 The true challenge for the banks in the current scenario is to stand
out in the midst of hard-hitting regulations of the apex body.
 With increased education among the consumers and greater
availability of information, consumer awareness will increase
regarding the financial services and products that are present in
the market and they will demand one-stop shop solutions for all
their financial needs.

15. SUGGESTIONS AND RECOMMENDATIONS
 Banks should provide proper knowledge and more facilities to
customers as this will result in customer satisfaction.
 Banks should allow the earlier facilities to sink into the culture of the
customers before any few facilities are launched. Also the earlier
facilities should be embedded with services so that customers not
only appreciate new technology, but are also in a position to operate.
 It is time to break the myth that public sector banks are not
customer friendly. Banks should follow customer friendly approach
to enhance the marketing of their retail banking products. Banks
should deliver the products and services rapidly in a dynamic market.

16. BIBLIOGRAPHY
WEBSITES
www.google.com www.rbi.org.in www.hdfc.org.in
www.hdfcbank.com www.indiainfoline.comwww.indiamart.com
BOOKS
Introduction to Banking.
Author: VIJAYARAGAVAN IYENGAR.
Management of Banking.
Author: S.SCOTT MACDONALD / TIMOTHY W. KOCH.
Banking Law & Practice.
Author: P.N VARSHNEY.