CERTIFICATE

This is to certify that Miss. NEHA CHATURVEDI of GURU

NANAK KHALSA COLEGE OF T.Y.B.B.I. (semester V) has
successfully completed the project on INDIAN BANKING:
PARADIGM SHIFT in the academic year 2010-2011 under the
Guidance of PROF. ALLAN D’SOUZA.

The information submitted is true and original to the best of my

knowledge.

Signature of coordinator Signature of principal

Signature of project guide External Examiner

 DECLARATION

　 I MISS. NEHA CHATURVEDI student of B.Com– Banking and

Insurance–Semester v (2010-11) hereby declare that I have
completed the project on INDIAN BANKING:PARADIGM SHIFT
in the academic year 2010-2011 under the guidance of Prof.ALLAN
D’SOUZA. This information is true and original to best of my
knowledge.

Signature of the student

NEHA CHATURVEDI
 ACKNOWLEDGEMENT

I would firstly like to thank GURU NANAK KHALSA COLLEGE who

has provided me the kind opportunity to do this project and to finish it in
a successful manner.

My heartily thanks to PROF.ALLAN D’SOUZA our coordinator and

other faculties, who have right from the beginning encouraged me to do
the project well.

I consider it my proud privilege and immense pleasure working

under the guidance of PROF.ALLAN D’SOUZA who gave me
constant guidance valuable suggestions and inspiring encouragement
to make my study a success. My sincere thanks to her who has
done me the corrections and formatting of project report and helped
me by providing details and quotations of my topic, this helped me
make my project very precise and accurate to a great extent.

On a personal note, I wish to thank my family members and friends

for their constant support in helping me accomplish my mission.
 PROJECT ON

INDIAN BANKING:PARADIGM SHIFT

Submitted by
NEHA CHATURVEDI
BACHELOR OF COMMERCE
BANKING AND INSURANCE
SEM-5
Roll no.12

UNDER THE GUIDANCE OF

PROF.ALLAN D’SOUZA
GURU NANAK KHALSA COLLEGE
TO THE UNIVERSITY OF MUMBAI
IN THE PARTIAL FULFILLMENT OF
BACHELOR OF COMMERCE
(BANKING AND INSURANCE)
Chp.
no. TOPIC Page no.

1. Introduction to Indian Banking 1-9

Introduction

History

2. Indian Banks & Global Challenges 10 - 18

Introduction

Globalization- a challenge as well as

an opportunity

Global Challenges in banking

Conclusion

3. Indian Banking- Paradigm Shift 19 - 32

Introduction
Technology Driven Indian Banking
A Regulatory Point Of view
4. New Age Banking-It’s Different! 33- 43
Banking Scenario
Modern Services provided by Banking
Conclusion
Case Study – ICICI Bank
5. Economic Changes in Indian Banking 44 - 47
Interest Rate Risk
 Interest Rate Risk & NPA
Impact of Basel II Norms
6. Managerial Flexibility in Banks 48 - 57
HRM in Banks
NRI Banking
CRM in Banks
KYC Norms
7. Changing Trends in Indian Banking 58 - 65
8. Mergers & Acquisitions 66 - 69
9. CASE STUDY – ICICI Bank 70 - 75
10. Conclusions & Suggestions 76 - 79
Conclusion
Suggestion