A Summer Training Report

on

“CUSTOMER’S BEHAVIOUR TOWARDS CURRENT ACCOUNT

IN HIMACHAL GRAMIN BANK”

Submitted to

PUNJAB TECHNICAL UNIVERSITY

JALANDHAR

In the partial fulfillment of the requirements for the

award of the degree of
Bachelor of Business Administration (BBA)

Submitted By Project Guide

Prabhat Singh Mr. Gautam Sharma
81401320025 Branch Manager

SESSION (2008-2011)
APEEJAY INSTITUTE OF MANAGEMENT
JALANDHAR
 PREFACE

The banking sector is poised for explosive growth. In this scenario, it deployment
strategy of infrastructure outsourcing, to lower the cost of service channels. As a result,
other banks too will need to align their technologies with their reinvented business
models. The required changes at both the business and technology levels are enormous.
In a highly competitive banking market, early adopters are profiting from increased
efficiencies.

On the job training in business infuses among students a sense of imperative that banks
adopt technology at an aggressive pace, if they wish to remain competitive.

In this prevailing scenario, a number of banks have adopted a new critical analysis of the
real managerial situation, which they are exposed to. In this situation, the student gets the
opportunity to put his theoretical knowledge into practice.

This report is written on account of what was learnt and experienced during the training. I
wish those going through this text will find it informative and readable.
 ACKNOWLEDGEMENT

No endeavor can be successful without the active co-operation of the people concerned
with it which was forth coming, in full, during this study. It is extremely difficult to find
words which can do justice to this sort of co-operation, I got in the planning and
execution of this study.

I am deeply indebted to the Manager of Himachal Gramin Bank, Badukhar Mr. Gautam
Sharma allowed me to take training in the esteemed branch of Himachal Gramin Bank
and without whose co-operation my training would not have been possible.

I feel lucky to have worked under the able and competent guidance of my guide, Ms.
Ritika Mahajan, Faculty APJ Institute of Management for valuable guidance in planning
and execution of this study.

I extend my deepest gratitude to all those persons who supported me all through my
project. My interactions with all these people have left a lasting impression on my mind
that will influence my ehavior for all times to come.

Date: Prabhat Singh

 TABLE OF CONTENTS

Certificate i
Preface ii
Acknowledgement
iii
Chapter No. Chapter Title Page No.

1 Introduction 1-20
1.1 Introduction To The Organization 2-8
1.2 Introduction To The Project 8-20

2 Review of Literature 21-23

3 Need, Scope And Objectives of The Study 24-25

4 Research Methodology 26-29

5 Data Analysis And Interpretation 30-35

6 Findings of The Study 36-37

7 Conclusion And Recommendations 38-40

References 41-42
Annexure 43-45
 LIST OF TABLES

Table No. Table Title Page No.

5.1 Heard about Himachal Gramin Bank or not 31

5.2 Current account with Himachal Gramin Bank 32

5.3 Awareness of respondents regarding Himachal Gramin 33

Bank Services
5.4 Knowledge of Himachal Gramin Bank about current 34
account
5.5 Awareness of All-E-Banking services interested in opening 35
an account in Himachal Gramin Bank
 LIST OF FIGURES

Figure No. Figure Title Page No.

5.1 Heard about Himachal Gramin Bank or not 31

5.2 Current account with Himachal Gramin Bank 32

5.3 Awareness of respondents regarding Himachal Gramin Bank 33

Services
5.4 Knowledge of Himachal Gramin Bank about current account 34

5.5 Awareness of All-E-Banking services interested in opening an 35

account in Himachal Gramin Bank