Sip kiran report

1
SUMMER INTERSHIP PROGRAM
AT
STATE BANK OF INDIA
KURHA BRANCH
Submitted By
Mr. KIRAN A. PATIL
Guided By
Prof. S. K. SINGH
DEPARTMENT OF MANAGEMENT STUDIES
P.R. Patil College of Engineering & Technology
Kathora Road Amravati
2014-2015

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DECLARATION
I hereby certify that, I Mr. Kiran A. Patil have successfully completed my SIP project Report
is a work carried out at State Bank of India (Amravati) is a genuine and benefited work
prepared by us under the guidance of our internal project guide
This project was undertaken as a part of academic curriculum according to the Institute rules
and norms and it has not commercial interest and motive.
The project report is submitted to university as a partial fulfillment of Masters Degree course in
Business Administration.
Date: KIRAN A. PATIL
Place:

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INTRODUCTION
This project work is pursued as a part of MBA (Marketing) Curriculum at P.R. Patil Institute of
Management Studies. It is undertaken as a traineeship at STATE BANK OF INDIA. The
project is done under expert supervision and guidance of Mr. SUBHASH C. SARASWAT
(BM SBI Kurha)
Project is an opportunity given to management students where one gets an insight into the
Practical aspect day to day working in real
timing expend in the industry which conducted by selfAnd process of an act theoretical &
product knowledge that one requires things in business school The project is undertaken to
study of retail procedure are as following in SBI
The real aspects behind the project particular combination is decided in that banking procedure
& Marketing product in the banking moratorium period is
UNDERSTANDING THE BASIC
The first phase of the project started with collection of the basic information about banking
concept and product information as per the suggestions to real timing expends at global
banking network applied for day to day transactions or marketing of SBI.
At SBI Kurha., The study was imparted process and product knowledge. We got sufficient time to
know about the various products and also various sales technique and sales skill. We had to work with
the sales representati1ve and think of ways of improving the sales and customer satisfaction. The main
aim was to increase sales and for this different ways were tried and implemented. We were provided
with a database and had to make calls from the data. Company’s activity was also one of the major
sources for generating business. Main objective was to know the need of the customers and how to
fulfill that in the best way.

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DEPOSIT ACCOUNT:-
1) Savings Account:-
The SBI gives various saving banking services to their customers’ needs and
importance of transactions in the various types of customers in their provided in SBI
branches and locations as per the customer’s services required in particular saving
banking service head. In this branches all services available.
SBI saving banking provide the services as per the various term/ conditions in their
offices & branches.
A) ONLINE ACCOUNTS APPLICATION FACILITY TO APPLY FOR SAVINGS
BANK ACCOUNT ONLINE:-
The Bank has been offering e-TDR/e-STDR/e-RD to its Savings Bank customers.
A) Facility to open Savings Bank Account online from Retail clients has been
developed. E-Circular no:-895/2012-13 data: 04th Dec, 2012 gives the detailed process-
flow of the Online Savings Bank Account Application (OSBAA) facility with screen-
shots of the relevant screens.
B) To make available an avenue for saving for old age to all sections of society,
PFRDA has launched a separate model to provide NPS to the employees of corporate
entities, including PSUs since December 2011. This model is titled “NPS Corporate
Sector Model”. (E-cir: 899/2012-13 data: 05th Dec’2012)
B) Deposits of Rupees one core and above are classified as ‘Bulk Deposit’
DepositAccount
Saving
Account
Current

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Current Account:-
As per the saving banking accounts current accounts services is provided in the SBI
and all the above transactions handle but for the current accounts have an various
terms and conditions is stranger than the saving banking process and services.
 No limits for the transactions in their services
 Actual performance is on the business firms usually perform
 No passbook issues for this types of customers
 Limits for deposits are concern.
SBI’S ALTERNATE CHANNELS:-
ATM:-
State Bank Group has in its stable, variants of ATM’s namely bunch note acceptors, bio metric
ATM’s low cost rural ATM’s, solar powered ATMs multi- function kiosks for printing
passbooks, statement of accounts, bar code readers for utility bill payments, internet banking
etc., while cash deposit facility has been activated at some of the ATM’s we are now going to
deploy a large number of cash deposit machines at ATM locations which customers can use
.we plan to deploy another 600 cash deposit machines this year. Cash out incidents in ATMs
have been eliminated.

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MOBILE BANKING:-
As 31st march there were 3.65 million customers using the service with more than 1.20 laces
daily transactions, around 46% of which are financial transactions amounting to Rs2.45crpres.
SBI is the market leader in the space, both in the number and value of the financial transactions
with 83.70% market share in number of transactions and 49% share in transaction value
(source:- RBI data on mobile banking transactions – fib 2012)
State Bank Freedom Premium, the new GPRS based mobile technology based prepaid payment
services under the brand name of SBI MOBI CASH on pilot basis in Delhi and Mumbai circles
of the bank.
INTERNET BANKING:-
Internet banking service is available through www.onlone sbi.co.in for both retail and
corporate customers of the bank retail internet banking SBI INSTAPAY for utility bills
payment, corporate internet banking sacral simplified
Single user corporate internet banking facility for small entrepreneurs etc. has been added
during the year.

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AGRICULTURAL LOANS:-
Agricultural loans are available for a multitude of farming purposes. Farmers may apply for
loans to buy inputs for the cultivation of food grain crops as well as for horticulture,
aquaculture, animal husbandry, and floriculture and sericulture business. There are also special
loans to finance the purchase of agricultural machinery such as tractors, harvester and trucks.
Construction of biogas plants and irrigation systems as well as the purchase of agricultural land
may also be financed through special types of agricultural finance.
Loan taken for the agricultural purpose is called agricultural loans. A loan is type of debt. Like
all debt instruments a loan entails the redistribution of financial assets over time, between the
lender and the borrower. In a loan the borrower initially receives or borrows an amount of
money, the loan is generally provided.
Types of loans
 Secured
 Unsecured
 Demand
 Subsidized
ATM MB IB
60 22 18
SBI CHANNELS

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TYPES OF AGRICULTURAL LOANS
1) Crop loan
Crop loans are given for individual as farmers short-term for raising crops, i.e., for crop loans.
This will include traditional /non-traditional plantations and horticulture crop loans are given
as per teams and conditions of NABARD and central government and state government of
India.
 Crop loan policies for irrigational lands
 Crop loan policies for un irrigational land
 Loan for orange trees will be 280rs per trees
 Crop loan or rural agricultural area Crop loan for urban agricultural area
2) TRACTOR LOAN
For more cultivation and to reduce man power and work become easier, faster and for
increasing agricultural production bank provide loan to purchase the tractor as per the
NABARD tractor financing.
1) NATIONAL AGRICULTURAL INSURANCE E-SCHEME (NAIS)
 Crops Covered:-
Food crops &oilseeds & annual commercial/horticultural crops
Farmers Covered:-
Covers all farmers, including sharecroppers, tenant farmers Loaned farmers are covered on
compulsory basis, while non-loaner farmers are covered on voluntary basis.
 Risks Covered:-
Basically all-risk insurance covering all yield losses due to natural, non-preventable risks
 Premium Rates:-
Premium rates may range from 1.5% to 3.5% food crops & oilseeds and on commercial lines
for annual commercial horticultural crops.

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2) MULTIPLE FINANCING:-
In majority of the cases, the landowners are availing the crop production finance from the
showing land records as if they are cultivating lands. In such cases, financing tent
3) HEALTH INSURANCE SCHEME:-
Health hazards jeopardize the activities of the Tenant farmers, as they are not in position to
beer with the unexpected financing.
LOANS TO SMALL AND MERRGIANAL FARMERS FOR PURCHASE OF LAND
FOR AGRICULTURAL URPOSEES
CROP
20%
TRACTOR
20%
NAIS
20%
MF
20%
HIS
20%
Agricultural loans types

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COMPANY PROFILE
SBI BRANCH DETAIL
Branch office Name : Kurha
Branch Code : 04919
Address : At Po Kurha Tq. Tiosa Dist. Amravati
City Pin : 444709
District : Amravati
State : Maharashtra
Email add : sbi.04919.@sbi.co.in
Branch circle : Mumbai
Branch Type : Regular Branch
Bank Business hours : 10:30 To 16:30
Contents to the Branch performing with customers
Evolution of banking channels
Refining channel strategy
Achieving competitive cost of operation
Becoming the provider of choice
Business and technology strategy alignment

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MANAGEMENT
Offices, branches and agencies.-
(1) Unless otherwise provided by the Central Government, by notification in the Official
Gazette, the Central Office of the State Bank shall be at 29[Mumbai, and shall also be known
as Corporate Centre].
(2) The State Bank shall have local head offices in 30[Mumbai, Kolkata and Chennai] and at
such other places in India as the Central Government, in consultation with the Central Board,
may determine.
(3) The State Bank shall maintain as its branches or agencies all branches or agencies of the
Imperial Bank which were in existence 31[in India] immediately before the appointed day, and
no such branch may be closed without the previous approval of the Reserve Bank.
(4) The State Bank may establish branches or agencies at any place in or outside India in
addition to the branches or agencies referred to in sub-section (3).
(5) Notwithstanding anything contained in sub-section (4), the State Bank shall establish not
less than four hundred branches in addition to the branches referred to in sub-section (3) within
five years of the appointed day or such extended period as the Central Government may
specify in this behalf, and the places where such additional branches are to be established shall
be determined in accordance with any such programmed as may be drawn up by the Central
Government from time to time in consultation with the Reserve Bank and the State Bank, and
no branch so established shall be closed without the previous approval of the Reserve Bank.
Management:-
(1) The general superintendence and direction of the affairs and business of the State Bank
shall be entrusted to the Central Board which may exercise all powers and do all such acts and
things as may be exercised or done by the State Bank and are not by this Act expressly directed
or required to be done by the State Bank in general meeting.
(2) The Central Board in discharging its functions shall act on business principles; regard
being had to public interest.

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Central Board to be guided by directions of Central Government:-
(1) In the discharge of its functions 32[including those relating to a subsidiary bank], the State
Bank shall be guided by such directions in matters of policy involving public interest as the
Central Government may, in consultation with the Governor of the Reserve Bank and the
chairman of the State Bank, give to it.
(2) [All directions shall be given by the Central Government]33 and, if any question arises
whether a direction relates to a matter of policy involving public interest, the decision of the
Central Government thereon shall be final.
Composition of the Central Board:-
The Central Board shall consist of the following, namely
MAIN BRANCH MUMBAI

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VARIOUS PERFORMANCES BY BRANCH
The steps to be followed in making a new distribution channel successful:
(a) Understand customers’ current channel/transaction behavior and their underlying attitude;
(b) Use sophisticated experimental customer research to assess the economic impact of tactics
designed to change that behavior;
(c) Develop an integrated channel migration plan which blends economic and non-economic
incentives to ensure that right initiatives are targeted at the right customers; (d) Protect sales
effectiveness by utilizing the ability of non-branch channels to select amongst prospects and
differentiate the marketing message;
(e) Design non-branch channels to emphasize personalized interaction to counteract decreased
loyalty among remote customers;
* Remarks by Shri Vela Kamesam, Deputy Governor, Reserve Bank of India at the Twenty-
Fifth Bank Economists’.
Current trends
Mobile:-
This could be the primary contact channel by 2015. People are mobile, so we need to be. We're
working on a new platform, including peer-to-peer money transfers by touching phones
together.
Social networks:-
This is a bigger issuer than even the crisis. We need to be where the customer is. People are
time-poor and trust their networks more than our brand.
Finally, banks have to cooperate with each other. There are huge opportunities out there, but
we are too small to go it alone on the innovation path.

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Various Types of Borrowers Minor: -
As per S 11 of Indian Contract Act, a contract with minor is void abs initio (from the
beginning). Money lent to a minor can’t be recovered from him even after he attains majority.
But if the money is spent for the necessaries or for the benefit of his estate, the minor’s estate
would be liable.
Joint Hindu Family (JHF):-
All adult co-parcener are required to sign the security documents. If a Joint Hindu Family has a
minor co-parcener, his guardian should sign the documents on his behalf to bind the minor’s
interest in the JHF. Loan granted to a JHF binds the share of the minor in JHF property, but not
his personal property, if any. Loan granted for a business which is not a central will not bind
the co-parcener.

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Partnerships: All partners are jointly and severally liable for all the debts of the firm. The
liability of the partners is unlimited. The properties of the firm as well as the properties of
individual partners are liable for the satisfaction of the liabilities of the firm. Guarantee of the
partners in their personal capacity is also obtained. This is done with a view to ensure that the
Bank will rank along with the private creditors of the partners to claim the dividend from the
personal property of the partners, in case of their insolvency. RBI has decided to prohibit
NBFCs (both deposit and non deposit taking) from contributing capital to any partnership firm
or to be partners in partnership firms. In cases of existing partnerships, NBFCs may seek early
retirement from the partnership firms.
Trust:-
No trustee can delegate his power to the other parties for operation of the account. An advance
can be granted to a Trust only if the trust deed gives power to borrow money. In the case of
advances to Public Trusts, prior permission of the Commissioner of Charity is to be obtained.
Liquidator: Official liquidator of a company is appointed by the court and the court’s specific
sanction for the borrowing must be obtained. Generally no advance is granted to the liquidator.
Receiver:-
Receiver is appointed in respect of individuals and firms who have declared insolvency.
Generally no advance is granted to the Receiver.
Companies:-
Memorandum of Association (MOA) is the basic charter of the Company. It defines the
existence and operations. The borrowing powers of the company are contained in the Moa. It
defines the company’s name, objects and purpose, authorized capital, liability of the members,
address of registered office etc. Articles of Association (AOA) contain the rules and
regulations regarding the operations of the company. It deals with matters such as the rights
and powers of directors, proceedings of the meetings, delegation of powers etc. Certificate to
commence business is required in case of public limited companies.

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SERVICES OF AN SBI
SBI CRDS & PAYMENTS SERVICES PVT.LTD (SBICPSL)
SBICPSL, the only standalone credit card issuing company in India, is a joint venture between
state bank of India and GE Capital Corporation, wherein SBI holds a 60% stake.
The “cards in force” (CIF) of the company stood at 22.25lacs as at 31st march 2012. The
average receivable stood at Rs2, 178crores as at the end of March 2012 as against Rs1,
795crores at the end of March 2011.
SBI LIFE INSURANCE COMPANY LIMITED (SBILIFE)
SBI life is joint venture Company between SBI and BNP Paribas Cardiff, in which SBI holds a
74% stake. SBI life has a unique multi distribution model comprising retail agency and
institutional alliances and corporate channels for distribution of insurance products. The gross
premium of the company crossed.
SBIFUNDS MANAGEMENT PVT LTD. (SBIFMPL)
SBIFMPL, the asset management company of SBI mutual fund, is the 6th largest fund house in
terms of “average assets under management” and is a leading player in the market with 6
million investors.
The annual rankings have improved for almost all equity schemes the schemes mf the fund
house has performed consistently over the years, and has emerged as the preferred investment
for investors.
SBI GLOBAL FACTORS LTD (SBIGFL)
SBIGFL is one of the leading factoring companies in India which has the highest market share
in domestic as well as export & import factoring. The company incurred a loss of
Rs66.78crores during the year ended 31st.03.2012 as against a loss of Rs125.62crores incurred
during the year ended 31st.03.2011. The company has turned around and has started making
operating profits since 2011.

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SBI PENSION FUNDS PVT LTD (SBIPF)
SBIPF is of the three pension fund managers (PFM) appointed by pension fund regulatory &
development authority (PFRDA) for management of pension funds under the national pension
system (NPS) for central government and stage government employees.
PFRDA has appointed 4 more PFMs for the informal sector under the NPS. The company
maintained its lead position amongst the 7 pension fund managers in terms of AUM, for both
the organized and informal sectors.
SBI GENERAL INSURANCE COMPANY LTD (SBIGIC)
SBIGIC IS a joint venture between state bank of India and IAG Australia, in which SBI holds
a 74% stake.
SBIGIC HAS completed its second year of full operation during FY2011-12.
Gross written premium stood at Rs250crores as at 31st mar 2012.
SBI SG BLOBAL SECURITIES SERVICES PVT LTD (SBISG)
SBISG, a joint venture between state bank of India and fact general was set up to offer high
quality custody and fund administration services to complete the bouquet of financial services
on offer by a financial conglomerate.
SBISG commenced commercial operations in custody in may2010 and fund accounting
services in 2010 The assets under custody as on 31st march 2012 stood at Rs28, 659.47crores
while the assets under administration were at Rs42, 674.35crores.
SBI CAPITAL MARKET LIMITED
SBICAP is full service investment banking outfit offering project advisory services,
arrangements for structured finance, capital market services like equity issuances, mergers &
acquisitions and arrangement for privet equity, etc. SBICAP is a leader in India in project
finance, with over 40% market share.

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SBICAP SECURITIES LIMITED (SSL)
SSL, a wholly owned subsidiary of SBI capital markets ltd, besides offering equity broking
services to retail and institutional and institutional clients both in case as well as in futures and
options segments, is also engaged in sales and distribution of other financial products life
mutual funds, etc. SSL has 89 branches and offers e-banking and e-mf services to both retail
and institutional clients. SSL currently has more than 2.52 lace customers on their books.
SBICAPS VENTURES LIMITED (SVL)
SVL is a wholly owned subsidiary of SBI capital markets LTD. SVL earned a net profit of RS
0.23 Cr during 2011-12 as against RS 0.56 corer in 2010-11.
SBICAP TRUSTEE CO. LTD. (STCL)
STCL, a wholly owned subsidiary of SBI capital markets ltd, which commenced security
trustee business with effect from 1st august 2008, has earned a frosts income of RS 11.6 cores
and net profit of RS 5.86 cores during 2011-12 as against gross income of 8.31 corer and net
profit of 4.43 cores during 2010-11.

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OBJECTIVES OF PROJECT
1. To introduced the retail banking process & as a commercial and financial concept.
2. To understand the basic concept of the retail banking on the detail term /conditions
3. To study the retail banking services process of bank
4. To study the scheme of banks
5. To obtain the total practical of knowledge about deposit and loans and advances NPA etc.
6. To draw the conclusion regarding the retail banking services.

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SIP REPORT
FIRST WEEKLY REPORT
(12-JUNE TO 18-JUNE)
Date Day Work done by the Student
12-JUN-
14 THU
STICK TICKETS TO ENVELOP AND NOTHING. I HAVE DONE THIS WORK
WHOLE DAY FROM11 TO 5:30 PM
13-JUN-
14 FRI
CROP LOAN , PRIMARY SECURITY, SECONDARY SECURITY, LOAN IS GIVEN
TO CUSTOMER AFTER FIVE STAGES I) PRESANCTION INSPECTION II)
ACCESSMENT OF LIMIT III) RECCOMENDATION IV) SACNTION V) CONTROL
UNDERSTAND COLLATERAL SECURITY
14-JUN-
14
SAT
STICK TECKETS ON KYC ENVELOPS. MANAGER SIR TOLD ME ALL
ABOUT KYC. UNDERSTAND THE “POWER” TERMIN SBI. MEANS
HOW MUCH POWER EACH EMPLOYEE HAVE.
16-JUN-
14 MON
I HAVE DONE ENQUIRY ….. ABOUT EMPLOYEES AND WORKING
CONDITION OF ORGANISATION …WRITE ALL EMPLOYEES NAME WITH
DESIGNATION
UNDERSTAND THE TERM NET BANKING AFTER THAT I SIT IN THE CROP
LOAN DEPATMENT AND UNDERSTAN MPL AND LOAN LIMIT
17-JUN-
14 TUE
UNDERSTAN HOW BANK GIVES LOAN TO THE CUSTOMER AT DIFFERENT
RATE OF INTEREST IN DIFFERENT MONTHS. SUCH AS BANK GIVES LOAN
AT THE RATE 7% FOR RABI YIELD FROM JULY TO JANWARY. IT CHANGES
AFTER JANWARY TO MARCH TO 12% AND SO ON.
18-JUN-
14 WED
Understand how to feed gold loan, wrote credit vouchers for nil
certificate.

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SECOND WEEKLY REPORT
(19-JUNE TO 25-JUNE)
19-JUN-
14 THU
Gave information to customers about accidental insuranceand
convinced them, told passbook balance.
20-JUN-
14 FRI
Opened my Net banking account and learned the procedure
how net banking forms fill up by the bank. Understand the
difference between low risk, medium risk and high risk. Check
customer’s accountbalance and fromtheir pass book, and
learn how to fill online account form.
21-JUN-
14 SAT
Understand the difference between LCBC and CPC. Formulate
the reports for AccountOpening forms , Account Closing forms
and Manual Forms
23-JUN-
14 MON
Fill the ATM forms online. Collect KYC forms fromcustomers.
Told balance from pass book to customers. Understand the
meaning of green channel.
24-JUN-
14 TUE
Registered the ATM pin in the ATM pin register. Distribute it.
25-JUN-
14 WED
Understand the difference between Saving Accountand
CurrentAccount. Understand how to scan photo and signature
for filling KYC forms.

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THIRD WEEKLY REPORT
(26-JUNE TO 2-JULY)
26-JUN-
14
THU Understand the functioning of F10, F12, and F7 keys. Siton the
second counter for telling the balances to the customers by
using “Bancs link Version 2.9.5” software. Wrote Nil slips. Gave
information to customers aboutKYC.
27-JUN-
14 FRI
Collect KYC fromcustomers. Understand How the Gold loan is
given. And also understand the softwareused for various
purposes in the bank. “Banc link version 2.9.5” is the main
softwareused in bank. And “LOS” softwareused for Car Loan,
Housing Loan etc..
28-JUN-
14 SAT
Stick tickets to the KYC envelops. Collects KYC forms. Gave pin
code to customers. Observed functioning of the bank.
30-JUN-
14 MON
Filled InternetBanking Form with the help of KAPIL BALE Sir.
Interactwith customers regarding various issues. Collect
cheques.
1-JULY-14
TUE
Stick 400 tickets to KYC envelop. Registered Names for ATM pin
code. Learned to fill KYC formby observation. Interactwith
customers regarding arethey satisfied with the service.
2-JULY-14
WED
Wrote Cheques No., Date of Cheques and Amount in the
register.

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FOUR WEEKLY REPORTS
(3-JULY TO 9-JULY)
3-JULY-
14 THU
Registered ATM pin code. Wrote Nil slips for getting Nil
Certificate to customers. Understand how to check is the
person eligible for getting Nil Certificate by analyzing his
currentstatus.
4-JULY-14
FRI
Help to customers to block their lost ATM by interacting
with customer care of SBI. Told the next process for getting
a New ATM.
5-JULY-14
SAT
Help to my new SIP friend in her task. Told her all aboutKYC,
How to check balance on sbi softwareand all other various
tasks.
7-JULY-14
MON
Understand Fixed deposit , Recurring Deposit, IncomeTax
and TDR
8-JULY-14
TUE
Understand the difference between TDR and STDR and sir
also taught me how to fill TDR by using software.
9-JULY-14
WED
Sir thoughtme how to fill currentaccount by using software,
collect KYC forms, donemobile banking and interact with
customers.

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FIVE WEEKLY REPORTS
(10-JULY TO 16-JULY)
10-JULY-
14 THU
ArrangeCollected Account opening form in sequence. Help
to my external guide in his work. Interactwith customers
regarding various issues and helped them.
11-JULY-
14 FRI
KAPIL sir told me detail procedureof Mobile banking in
stepwise. I convincecustomers to register for Mobile
banking. My SIP friend told me about the Insurance
accidental death policy.
12-JULY-
14 SAT
SARASWAT sir thought me how to calculate Bach at Gat
Saving account
14-JULY-
14 MON
Manager of the State bank of India thought me how SBI
draw insurancewith the RBI regarding theft of cash or any
other
15-JULY-
14 TUE
Understand the difference between CRR and SLR, wrote
credit vouchers and nil certificate and distribute it, Collect
KYC forms.
16-JULY-
14 WED
Understand about gold loan, interact with customers and
solvetheir problems, told passbook balanceand gave
entries also.

25
SIXTH WEELIY REPORTS
17-JULY-
14 THU
ArrangeCollected Account opening form in sequence. Help to
my external guide in his work. Interactwith customers
regarding various issues and helped them.
18-JULY-
14 FRI
KAPIL sir told me detail procedureof Mobile banking in
stepwise. I convincecustomers to register for Mobile banking.
My SIP friend told me about the Insuranceaccidentaldeath
policy.
19-JULY-
14 SAT
Told Passbook balances to customers, Registered ATM Pin
code, Collect KYC and Accountforms
21-JULY-
14 MON
Wrote cheques of 20 rupees for Nil Certificate, solvecustomers
problem by calling at customer care. Interactwith customers.
22-JULY-
14 TUE
Understand how to fill Insurancepolicy for online by using SBI
software. Collect KYC forms and Account forms.
23-JULY-
14 WED
Understand which documents are necessary for check book, Sir
told me how check book is to be issued on SBI software.

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SEVEN WEEKLY REPORTS
24-JULY-
14 THU
Wrote nil vouchers and also nil slips. And distribute it.
25-JULY-
14 FRI
Understand how to transfer of check in to deposit account, and
understand how to transfer voucher in to deposit account
26-JULY-
14 SAT
Understand what Batch transaction, donemobile banking is.
28-JULY-
14 MON
Sir thoughtme how NEFT transaction takes place, its limit and
its process.
29-JULY-
14 TUE
Sir thoughtme how RTGS transaction takes place, and its limit.
Done mobile banking and collect KYC forms fromcustomers.
30-JULY-
14 WED
Understand how to restructureagricultural advances and
functionality in CBS

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EIGHT WEEKLY REPORTS
(31-JULY TO 6-AUG)
31-JULY-
14 THU
1-AUG-14
FRI
2-AUG-14
SAT
Understand what Batch transaction, donemobile banking is.
4-AUG-14
MON
its process.
5-AUG-14
TUE
Sir thoughtme how RTGS transaction takes place, and its limit.
Done mobile banking and collect KYC forms fromcustomers.
6-AUG-14
WED
Understand how to restructureagricultural advances and
functionality in CBS

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NINE WEEKLY REPORTS
(7-AUG TO 11-AUG)
7-AUG-14
THU
8-AUG-14
FRI
9-AUG-14
SAT
Understand whatBatch transaction, donemobile banking is.
11-AUG-
14 MON
its process.

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FINDING
1) SBI Saving accounts & current account is performs is better than other competitors that
time saving and current both retail products are efficient
2) All the loans factors are concern in the various rules and conditions and retail banking
product performs as per the banking act 1956
3) Competitor bank CBI performance is lower than the SBI Deposits which is observed in
study
4) In above we find advances of a competitor bank CBI is better than SBI in given time
period of previous year and current years
5) In findings statement saving accounts and current account is take greater liabilities
balance of the liabilities of SBI
6) In the total Deposits position all elements are considering and in these saving accounts
is prefers to the total Deposits.
7) Customers of the bank are satisfied with retail banking services as a competitor’s bank
we find

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REFERENCE
1) WWW.SBI.COM
2) WWW.SBITIMES.COM
3) WWW.GOOGLE.CO.IN
4) SBI BRANCH DATA OF LAST YEAR FROMEMPLOYEES.

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