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TO : SUBMITTED BY:Isha khera ABHINAV GUPTA(CT IMS) ROLL NO90212233149tted

to anybody.analysi

s and interpretation 3949summary 78Company

profile 9-26of literature 2832scope and research methodology 33-36of the study 37-38c

categories of bank products.. Consumer perception has become challenging issue for every financiale method. Each of us

verbally administered the questionnaire/cs. Twenty three years there from inbanking business by the Reserve Bank of . Thereafter granted

license to open branches and consequently six more branchesadded in February1970 it purchased Paharganj building and reconstructed

the same in 1993. InPersonnel department are functioning from this building. It has a boardroom. One branch also function here. The main branch along

with its service branchsituated in its own three storied building at Paharganj. ItCapital 205.50Capital 397383.83ty.mone y 16.57

croresCapital 365.63Profit 5.47 croresthe technique which is used in the bank for easy and systematic work cation practices.tt.and

financial services industry byfocusing on quality and not on quantity and deliveringore products to more customers and to control operating

costs. Maintain current highasset quality through disciplined credit risk management.Deve lope innovativeservices that attract the

targeted customers and address inefficiencies in the Indianbution channels of finance to beneficiaries.The documents gains made by historical

underprivileged region of east

32

33

RESEARCH METHODOLO GYIntroduction and meaning

Research methodology is way to

systematically solve the research problem. The researchmethodolo gy includes the various methods and techniques for conducting a research.

D.Salinger and M. Stephenson in the encyclopedia of social sciences define research as manipulation o things, concepts or verify knowledge,

whether that knowledge aids inconstruction of theory or in the practice of an art Research is a careul investigation or inquiry especially through

search for new facts in branch of knowledge: market research specifies information. Required to address these issues: designsthe method

for collecting information: manage and implements the data collecting processanalyses the results and communicates the

finding and their implecations. RESEARCH OBJECTIVES AND SCOPE OF RESEARCH PROJECTPROBL EM DEFINATION:

Personal Banker were with good background human being and through rigorous process of recruitment but still not able to perform up to the

expectation level of company

,

HR is not able tosort out the problem why the performance is not coming even after giving the full

marketing andoperational support. So there is need to study the customers perception and attitude towards thevarious products and

services provided by the bank. RESEARCH : - It means search for facts

,

answers to questions and

solutions to problems. RESEARCH DESIGN: Research design constitutes the blue print for the collection
,

measurement and analysis of data.The present study seeks to identify the perception of consumers on KCC Bank in Kangra. The

34

research design is exploratory in nature. The research has been conducted on users withinKangra. For the selection of the sample

convenient sampling method was adopted and anattempt has been made to include all the age groups and gender within

different occupation. Type of Research The present study will adopt the exploratory approach wherein
,

there is a need to gather largeamount of information before making a conclusion. DEVELOPING THE RESEARCH PLAN:

The data for this research project has been collected through self Administration. Due to timelimitation and other constraints direct personal

interview method is used. A structuredquestion naire was framed as it is less time consuming
,

generates specific and to the pointinformation

,

easier to tabulate and interpret. Moreover respondents prefer

to give direct answers. COLLECTION OF DATA:1: SECONDARY DATA: It was collected from internal sources. The

secondary data wascollected on the basis of organizational file

,

official records
,

news papers
,

magazines
,

management books
,

preserved information in the companys database and

website of thecompany. 2: PRIMARY DATA: All the people from different profession were personally visited andinterviewed.

They were the main source of Primary data. The method of collection of primarydata was direct personal interview through

a structured questionnaire. SAMPLING PLAN: Since it is not possible to study whole universe
,

it becomes necessary totake sample from the universe to know about its characteristics.Sa mpling Units: Different professionals.

Chartered Accountants
,

Tax Consultants
,

Lawyers
,

Business Man
,

Professionals and Students of Kangra.

y

Sample Technique: Random Sampling.

y

Research Instrument: Structured Questionnaire.

3
5
y

Contact Method: Personal Interview. SAMPLE SIZE:

My sample size for this project was 50 respondents. Since it was not possibleto cover the whole universe in the available time period

it was necessary for me to take a samplesize of 50 respondents. DATA COLLECTION INSTRUMENT DEVELOPMENT:

The mode of collection of datawill be based on Survey Method and Field Activity. Primary data collection will base on personal interview. I have

prepared the questionnaire according to the necessity of the data to becollected. LIMITATIONS OF THE STUDY It is said

nothing is perfect and there would be few shortcoming in this project also. Sincereefforts have been made to eliminate discrepancies as

far as possible but few would haveremained due to limitation of the study.Time seemed to be our most limited resource. To conduct a

comprehensive research project in a6 week period is very difficult.The absence of appropriate funding limited the extent of our study. With

additional financialresources
,

the scope of our study could have been enlarged

,

resulting in a more representativestud

y.Interview bias could not be avoided as in case of many surveys open ended questions involve theuse of probing techniques that

increase interview bias. However

,

as our study did not use manyopen ended questions

,

the extent of the bias was

reduced.It was not possible to understand thoroughly about the different marketing aspects of theFinancial Consultant within

45 days. As stipend
,

money was not given it was difficult tocontinue the project work. All the work was

limited in some limited areas of Kangra so thefindings should not be generalized. The area of research was Kangra and it was too vast an areato

cover within 45 days.

3
6

3
7

OBJECTIVES OF THE STUDY The objective behind the conducting project exercise was to get

useful insight about the bankingsector. I have prepared this report with some specific objectives. The primary objective of ourstudy is to

analyze the efficiency and effectiveness by the kcc bank. The objective of our studyis as under: PRIMARY OBJECTIVES:

To study the customers perception about KCC Bank.

To measure the awareness level of people regarding direct banking channels

,

productsoffered by KCC bank.

To study brand image of the bank. To increase the business of the bank.

SECONDARY OBJECTIVES:

To evaluate the overall satisfaction level of customers regarding services and

productsoffered by the bank. To acquire new customer by convincing them and to promote the benefits of

thosewhich are provided by the bank. To find the different way of convincing customers.

To assess the customer contribution towards the growth of the bank (in terms of recommendatio

ns for changes and improvements). To determine the need and purpose of a personal banker

WITH ANALYSIS AND INTERPRETAT ION:ed as the

primary source of data collection and the detailed question

wiseof

Respondentsresp
ondents Occupation is Business.responde nts Occupation is Profession.respond ents Occupation is

Service.u s i n e
s s P r o f e s s i o n S e r v i c e

of Respondents PercentageBank 17 3433 66of Respondentsficie

S t u d e n t nt

serviceConvenientq uaintanceOther

of Respondents Percentage12 2421 42Idea 17 34t to open an account in KCC bank.of Respondents Percentage24

48Lucrative 21 42Idea 5 10I V E N O T

L U C R I V E N O I D E of

Respondents Percentage32 6418 36of Respondents Percentage3466

S N

the staff of KCC bank is cooperativeof Respondents Percentage34

O

68Idea 5 10S N
O I N D O E

of

Respondents Percentage37
74of Respondents Percentage38 7612 24ution of leaflets

containing details information.d by time limit of two months. .. ..c t group of institution jalandhar

presently doing a project onStatus .than five years five years 2 lack 2 to 5 lack 5 to 8 lack 8 lack which bank you have accountService

location erent products and services offered by KCC Bank lucrative idea staff of KCC bank is cooperativety in future would you

like to be attached with KCC bank NAME:

NAME OF THE BOOK KOTLER

Marketing ManagementV.S.R AMASWAMY

Marketing ManagementC.R. KOTHARY Research MethodologyS.P. KASANDE Research methodologyof India.kccb.com/c

onsumer perception_rshn .htm

Project Report
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