This document provides an overview of a study conducted on SBI's SME loan products in the Damoh region. It includes an introduction, objectives, background on SMEs, scope and limitations of the study which was focused on existing loan customers in Damoh and Panna. A SWOT analysis of SBI identifies strengths in market share and operations but weaknesses in customer service. Opportunities exist in rural banking and technology, while threats include loss of market share. Recommendations focus on increasing customer awareness, improving service, retaining customers through customized products and gathering feedback. The conclusion is that customers responded positively but SBI should focus on innovation, services and retention.

1. SESSION - 2012-2014

3. CONTENTS
 Introduction of the Organization
 Objective of the Study
 SME at A Glance
 Scope & Limitations of the Study
 SWOT Analysis
 Suggestion & Recommendations
 Conclusion
 Reference/Bibliography

4. STATE BANK OF INDIA, RBO DAMOH
Bank STATE BANK OF INDIA
IFSC Code SBIN0030341
MICR Code NON-MICR
Branch Code 030341
Address REGIONAL BUSINESS OFFICE IN FRONT OF
GOVT POLYTECHNIC JABALPUR DAMOH
ROAD, DAMOH, 470661
Contact 9826900903
Key Operations in the Organization :-
National Banking, International Banking,
Treasury Operations, Rural Banking,
Associates & Subsidiaries.

5. Summer Internship Project gives a practical exposure and helps in
acquiring the knowledge and skills.
First and foremost objective is to find out the reasons for using of Asset
Product from SBI, and to aware about asset products to the customer.
To Find out the Strength and weakness of that asset products in particular
DAMOH & PANNA Region Sale Products.

6. SME at a Glance
State Bank of India is a pioneer in SME financing in India. As a bank,
it has been playing a critical role in the overall growth and development of the
SME sector.
SME means Small and Medium Enterprises. This is a part of
Government to drive and encourage small manufacturers to enjoy facilities from
Banks at concession rates.
Micro-enterprise
A micro-enterprise is one where the investment in plant and machinery (their
original cost excluding land, building and items specified by the Ministry of
Small Scale Industries it does not exceed Rs.25 lakh.
Small enterprise
A small enterprise is one where the investment in plant and machinery is more
than Rs.25 lakh but does not exceed Rs.5 crore.
Medium enterprise
A medium enterprise is one where the investment in plant and machinery is
more than Rs.5 crore but does not exceed Rs.10 crore.

7. Scope of the Study:-
The geographical scope of the study is restricted to Damoh & Panna
Region only with Existing Loan Customer.
Consumer awareness about SME Loan Product scheme and its benefit.
Aware the Bank about the customer problems, especially in case of SME
sector in traders sub segment.
Limitation of the Study:-
The Limitation of the study is applicable only Damoh & panna Region
because this study only base on the Damoh & Panna Specific Region only.
Scope & Limitation of the Study

8. SWOT Analysis
Strengths:
SBI is the largest bank in India in terms of market share, revenue and assets.
As per recent data the bank has more than 13,000 outlets and 25,000 ATMs, The
bank has its presence in 32 countries engaging currency trade all over the world.
SBI has the first mover advantage in commercial banking service.
SBI has recently changed its vision and mission statements showing a sign of
inclination towards new age banking services.
Weakness:-
Employees show reluctance to solve issues quickly due to higher job security
and customers’ waiting period is long when compared to private banks.
SBI fails to attract salary accounts of corporate and many government sector
employees salary accounts are also shifted to private bank for ease of operations.

9. Opportunities:
SBI is planning to expand and invest in Rural Banking due to increase small
scale enterprises.
Since the bank is yet to modernize few of its banking operations, there is a better
scope of using advanced technologies and software to improve customer relations
Young and talented pool of graduates.
Threats:
This shows the reduce in market share to its close competitor ICICI, Other
private banks like HDFC, AXIS bank etc.
Other governments banks like PNB, Andhra, Allahabad bank and Indian bank
are showing Customer prefer to switch to private banks and financial service
providers for loans and mortgages, as SBI involves stringent verification
procedures and take long time for processing.

10. I had observed in that organization there have some problem for sale
loan product so I have recommend to SBI DAMOH.
Customer awareness program is required so that more people should attract
towards Loan product.
SBI customer care should more concern about the fastest settlement of
customer problems.
SBI should more focus on Retaining existing customers.
SBI must focus on Segmentation based on customer knowledge Product
offering based on customer demand.
SBI must take feedbacks of customers regarding features & services.
Suggestions & Recommendations

11. From the analysis part it can be conclude that customers have a good
respond towards SBI SME loan products in DAMOH REGION. SBI is in 1st
position having large number of customers & providing good services to them.
The bank has a wide customer base, so the bank should concentrate on this to
retain these customers.
SBI should focus on-
Launch Innovative product for the Small & medium sector Enterprise.
Customized advance products
Better customer services to traders
Fastest customers problem solving techniques
Customer retention
Apart from all the above, SBI believe in providing good customer
services to their customers which is a key factor for success in future.
Conclusion & Suggestion

12. Text Books or Magazines:-
SME World Magazine
SBI Annual Report 2011-2012
Internet:-
http://www.sbi.co.in/user.htm
http:// https://sbiforsme.sbi.co.in/SME/home.htm
http://www.smeworld.org/
Reference / Bibliography