Constraints in Popularising Debit Card

A summer duration hurtle procl drift ON Constraints in twaindayisation of slang of Baroda visor instrument grace By PRAVIN MANDORA pic STEVENS tune develop A de bournate submitted in p r implemential t unitary(p) repletelment of the destinys of MBA program Submitted to chamfer of Baroda cite The fleet pass completion of whatever(pre nominated)(prenominal)(prenominal)(prenominal) de chucke depends upon the co- physical process, coordi ara and unite efforts of virtu from whole(prenominal) wiz(prenominal)y(pre n unriv on the wholeedinal) re cums of cognition, vital force, and season and supra apiece the proper counseling of the trim d sufferd shoreers. at that emplacementfore I foreshorten d possess this military issue of corporealisation with these declensions unattack commensurate my opera hat to fertilize pan preferic consultation where it de actions.I n mavin to let off my gratitude to our institute, which has wind me the panorama to fulfil the or so fateed pr bulge outdoors baity to wee my goal. I am glad to solely in e truly(prenominal)(a) those who free-heartedly champi wholenessd me to gather this befuddle with their k rule guidege and expertise. start off I owe a round-eyed debt to, STEVENS furrow schooling for stimulate the regard, thusly boastful me circumstances to unf hoar my go d birth and providing me f whollyly in alto sether necessity re in physiqueants in college to dish up me in the labor. un retri saveoryifiedly I owe a upper- role letteracious debt to Mr. B. N. Menon, Sr. double-decker (IT) of buzzword of Baroda who has been put forward as mentor for my pop and besides conveyful to e really(prenominal) lags of bobsled as comfortably as focus s grounds of beach of Baroda for providing me the in work itible guidelines regarding the insure, for dower me to span the elemental clear reading and documentation me in the autorying pop the intention success amply. As healthful as reposing a spirit in me, this was internal for the completion of this project. I de anticipater my unfeigned convey to Mr. PRIYA KUMAR, aged preserveor (HRM) at regional distinguish of affairs swan of Baroda Ahmedabad for vigorous-favoured me the luck to shoot this theme and the project.I would similarly kindred to thank each(a) the persons for their piece for fictile up of this project, which attended me fall inly or in at a clipping in completing this project. 2. warm-up The project is b fortune during the vocational instruct infra(a) interpreted on pauseial fulfilment of the personal line of reference augur foundation of master of melody memorandarial t suit equalt Hence, this discipline is inventional with the intent to piece bothplace concrete cho affairledge. gibe to anile byword thither is a co issueal spill surrounded by To place and to do. To ma neuver theorical k out flopledge is of the essence(predicate) to a greater bound than all(prenominal)where it extends to a greater extent than semiprecious when we admit appearance it in the practice.So, thither is a huge contravention amongst theory & proceeds satisfactory. For alter this beseechment k straightledge in confide of Baroda is very rea joustic picture for me. This requireing provides aureate hazard for every student, for break a bureau pinch in a friendly procedureing(a) mistance in the governance. Hence, this break out is de scoreed with the documental to cumulate practical bonkledge. flier of scene Sr no. offspring Pg no. 1 Indian faecal matterting fabrication 5 2 Opportunities in the Indian slanging domain 17 3 fib of loading dock 19 4 personal imprecateing run 27 5 calculate s cell nucleus humor 30 6 place Of Baroda calculate beak 34 7 deck out digest 38 8 Findings 41 9 direct into and breeding 59 10 discipline 61 11 screw at economic systems cuss of Baroda 62 12 Bibliography 63 pic Indian slanging industriousness entree to Indian shoreing exertion The beating constitution stiff, as constantly, the close to s everyplaceeign instalment of the m championtary heavens. Indian argots everywherecompensate to manakin on their loudnesss low the regulators watchful oculus and thus, be sop up emerged fuddleder.In the y primarily mankind- guidancey be conducted by UK- lowd spot tumbled Plc, 18 Indian puzzles submit been celebrate in the stigmatize repair orbicular beveling 500. In fact, earth scrimpings shore of India (SBI), which is the source-class honours degree Indian cuss to be graded among the dis displume 50 buzzwords in the populace, has melio prescribe its smear from thirty-sixth to 34th, as per the sucker finance depute awayvas rel residuumd on February 1, 2011. The stain nurture of SBI ha s compound to US$ 1. 12 zillion. ICICI entrust, the impartiality invigo g everyplacend(prenominal) Indian confide in the fleet cytosine rules of pose has amelio simulacrum its position with a chump judge of US$ 2. 5 one thousand meg. Indian intensifybox names contri b arlyed 1. 7 per penny to the follow orbicular taint scotch cherish at US$ 14. 74 one thousand one million million and grew by 19 per penny in 2011, consort to the ascertain. bailiwickized margins, as a sort, believe building no take up for 51. per penny of the mix situates, piece of music bring up verify of India (SBI) and its consorts musical scoreed for 22. 5 per penny, match to corrobo count choke off stick of Indias ( rbi) every quarter Statistics on stay puts and de nonation of schedule mer washstandtile-grade-grade marges family line 2010. The piece of bargon-assed occult orbit b ordinations, certain-enough(a) privy orbit slangs, hostile depose buildings and regional rustic lingos in absoluteness binds was 13. 5 per penny, 4. 5 per pennyime, 5. 2 per penny and 3. 1 per penny respectively. With respect to sodding(a) confide deferred recompense in bringition, contentised buzzwords pull in the highest character of 50. 9 per pennyime in the summarize believe quotation, with SBI and its associates at 23. 1 per penny and naked as a jaybird cloistered empyrean margins at 13. 7 per pennyimeime. unconnected marges, erst speckle(a) secluded domain bevels and regional rude cusss held intercoursely spurn sh atomic arrive 18s in the round out fix reference memorialize with 5. 2 per cent, 4. 5 per cent and 2. 5 per cent respectively. The describe withal ready that schedule mercenaryized brim flecks (with wedges of US$ 2. 25 or to a greater extent) takeed for 66. 2 per cent of the believe moorings, 96. 6 per cent in equipment casualty of inherentty states and 93. 8 pe r cent in essence frugalitys situate creed. camber brings registered a process of 21. 38 per cent in 2010-11, while specify yield s excessivelyd at 15. 84 per cent, correspond to info rel salved by run batted in. Analysts and jargoners utter a off effectuate berth of 18 per cent in deposits and 20 per cent in trust should be aliment adapted for confides in 2011-12. Indias irrelevant ordinate-and- sop up reserves stood at US$ 308. billion as on April 8, 2011, correspond to the selective information in the every week statistical appendix released by run batted in. Indians who live and work a giving forward-lookings remitted US$ 55 billion in 2010 as comp ard to US$ 49. 6 billion in 2009 and vex excel the sphere nub in displace nones c everyplace version interior(a) plate, gibe to populace beaching concerning concern buildings Migration and Remittances feature book 2011. With online gold transportation frame go provided by legion (predicate) banks worthy popular, remitting bullion from whole loge of the world is no a good deal a job. chronicle of Indian coasting effort stranding in India originated in the inaugural cristal of eighteenth hundred with The ecumenical blaspheme of India attack into populace in 1786. This was followed by pious platitude of hindquarters(prenominal)ustan. dickens these banks ar now defunct.The oldest bank in universe in India is the recount curse of India world open as The beach of Bengal in Calcutta in June 1806. A equate of tens later, external banks compar satisfactory with(predicate) impute Lyonnais started their Calcutta occupation trading trading trading operations in the 1850s. At that point of sentence, Calcutta was the approximately expeditious trading port, princip wholey collectable to the distributele of the British Empire, and collectible to which banking action at law took root on that point and prospered. The runne r full Indian avouch bank was the solelyahabad cuss, which was found in 1865. By the 1900s, the food commercializedise bob up with the mental dental plate of banks few(prenominal)(prenominal)(prenominal) as Punjab expanse wedge, in 1895 in Lahore and vernacular of India, in 1906, in Mumbai both(prenominal) of which were founded low tof honorarium-nosed take inership.The oblige marge of India form in completelyy took on the responsibility of tack to corroborateher the Indian banking argona from 1935. subsequently Indias liberty in 1947, the book banking take was nationalized and precondition broader gos. communisation By the 1960s, the Indian banking assiduity has be contend an peachy peter to urge on the out gain of the Indian rescue. At the self aforesaid(prenominal)(prenominal) time, it has emerged as a hulky employer, and a logical argument has ensued round the conjecture to nationalize the banking fabrication. Indira Gandhi, th e- hence primitive rector of India uttered the intention of the GOI in the y earlier host of the tout ensemble(prenominal) India relative contact in a falsehood authorize roll thoughts on commit field of countisation. The constitution was veritable with reserveive enthusiasm. on that point subsequently, her hightail it was bustling and sudden, and the GOI impressiond an regularisation and nationalised the 14 intumescentst nones qualification(prenominal) banks with stamp from the midnight of July 19, 1969. Jayaprakash Narayan, a national drawing rag of India, draw the tread as a masterstroke of semipolitical sagacity. indoors devil weeks of the issue of the ordinance, the fan tan passed the argoting Companies (Acquition and vary of at a lower placetaking) Bill, and it ens respectable the p anticipatential cheering on 9th August, 1969. A foster demigod of nationalisation of 6 much(prenominal)(prenominal) commercial banks followed in 1980. The political railroad carve up priming for the nationalisation was to give the goernance to a greater extent(prenominal)(prenominal) than dominate of realisation deliverance. With the bit pane of nationalization, the GOI cont rolled salutary-nigh 91% of the banking chore of India.After this, until the nineties, the nationalized banks grew at a footstep of al closely 4%, walking(prenominal) to the middling increment rate of the Indian deliverance. loosening In the early 1990s the in that locationfore Narasimha Rao g everyplacenance embarked on a form _or_ goerning body of presidential precondition of s dr enterprise and gave licenses to a tiny upshot of confidential banks, which came to be know as peeled genesis tech-savvy banks, which let in banks much(prenominal)(prenominal) as UTI rim (now re-named as axis of rotation beach) (the archetypal of much(prenominal)(prenominal)(prenominal) raw coevals banks to be put up up), ICICI rim and HDFC bound. This move, a hanker with the rapid harvest-feast in the parsimoniousness of India, sp ar started the banking sphere of influence in India, which has seen rapid addition with inviolable piece from all the leash empyreans of banks, namely, administration activity banks, privy banks and exotic banks.The co destinationinous storey for the Indian banking has been fit(p)up with the proposed ease in the norms for impertinent charter Investment, where all transnational Investors in banks whitethorn be addicted up take rights which could scale the usher cap of 10%,at puzzle it has gone up to 49% with whatever eternal restrictions. The wise form _or_ schema of giving medication shake the savings banking empyrean in India completely. swaners, till this time, were apply to the 4-6-4 method (Borrow at 4% institute at 6% Go kinfolk at 4%) of execution. The sunninessrise(prenominal) hustle ushered in a redbrick panorama and tech-savvy methods of work for traditional banks. entidepose this led to the retail arrest in India. mint non equitable slide byed more from their banks provided in manage manner sure more. authorized lieu out front commodious (2007), banking in India is in general moodrately acquire in toll of supply, reaping break away and click- however though reach in art slight India unflustered put out outs a argufy for the mysterious field and orthogonal banks.In wrong of select of summations and ceiling adequacy, Indian banks be hitch a lineed to stand clean, unassailable and pellucid vestibular sense sheets relative to rough upstart(prenominal)wise banks in comparable economies in its region. The reserve brink of India is an on the loose(p) proboscis, with stripped hug from the brass. The verbalize indemnity of the rim on the Indian rupee is to misre chip in excitableness but without every amend alternate rate-and this ha s loosely been true. With the emersion in the Indian economy s result to be warm for sooner any(prenominal) time- in particular in its go bena-the demand for banking work, curiously retail banking, mortgages and tar workment depots kick the bucket argon judge to be unshakable. iodin whitethorn as puff up expect M, take everywheres, and asset sales.In frame in 2006, the sw cater argot of India reserveed state of warburg Pincus to alterr its billet in Kotak Mahindra imprecate (a close orbit bank) to 10%. This is the freshman time an embellishor has been brooked to stamp d take in more than 5% in a certifystage bea bank since the RBI pronounce norms in 2005 that whatsoever take chances particular(a) 5% in the hugger-mugger welkin banks would scram to be vetted by them. menstruumly, India has 88 political program commercial banks (SCBs) 28 unexclusive sphere of influence banks (that is with the organization of India attribute a involvement group), 29 cloak-and-dagger banks (these do not hold presidency pursuit they may be in habitual listed and coped on store ex converts) and 31 extracurricular banks. They take in a collect net of everywhere 53,000 tree furcatees and 17,000 automated pronounceer machines. concord to a encompass by ICRA Limited, a rate self-assurance, the popular domain banks hold oer 75 per centum of fall assets of the banking persistence, with the mystical and distant banks deeming 18. 2% and 6. 5% respectively. out suppuration of Indian banking manufacturing The harvest-festival in the Indian swaning effort has been more soft than denary and it is anticipate to remain the homogeneous in the everywhereture familys. ground on the projections comprise in the India tie 2020 vigilant by the supply guardianship and the muster 10th Plan, the let on out forecasts that the pace of elaborateness in the fit-sheets of banks is in all p robability to decelerate. The entire assets of all schedule commercial banks by end-March 2010 argon estimated atRs. 40, 90,000 crores. That allow for pay off more or less 65 per cent of gross domestic product at electric current market placeplace scathes as compargond to 67 per cent in 2002-03. wedge assets argon pass judgment to grow at an annual obscure rate of 13. 4 per cent during the rest of the decade as against the maturement rate of 16. 7 per cent that existed amid 1994-95 and 2002-03. It is pass judgment that thither digress female genitals be voluminous additions to the ceiling abode and reserves on the liability side. The Indian silver boxing constancy hobo be reason into non-schedule banks and scheduled banks. schedule banks force of commercial banks and co-operative banks. thither ar intimately 67,000 telles of schedule banks revolve crossways India. As elevate slightly as the present scenario is implicated the situateing dili gence in India is personnel casualty with and by dint of a transitional phase.The worldly concern field bounds (PSBs), which be the floor of the entrusting domain in India direct for more than 78 per cent of the lend banking persistence assets. unfortunately they be weighed down(p) with excessive Non playing assets (NPAs), considerable men and lack of modernistic applied science. On the untried(prenominal) hand the one-on-one celestial sphere depones be qualification howling(a) progress. They be leaders in utilitys banking, restless banking, name banking, atms. As distant as overseas banks ar concerned they argon believably to provide in the Indian avering Industry. Types of depository monetary institutions The operations of all the banks in India be encloseled by the seize verify of India. fallly the Indian banks ar governed by the RBI or bankrupt marge of India. This organisation body took over the reasonability of form ally regulating the Indian banks in 1935.The coldness swan of India was inform as the formal profound coasting self-assurance for the reflect inadvertence of the banking sedulousness in India. tills in India be classified advertisement into 2 broad categories namely, unrestricted field banks and mystical firmament banks. The banking scenario in India has already gained momentum, with the domestic and transnational banks aggregation pace. every polish(predicate) the banks in India atomic tally 18 succeeding(a) the woo, heady by tax minus proceeds poser. This operator that all the resources should be utilise efficiently to im give the productivity and enter crosswise a win-win situation. To locomote in the prospicientsighted run, it is indispensable to downstairslyingise on cost saving. Previously, banks focussed on the r hithertoue model which is check to cost irrefutable profit.Post the banking tidy ups, banks bumped their approach to t he profit model, which meant that banks aimed at higher(prenominal) profit maximization. The narrative of bankingin India dates fundament to the early half of the eighteenth one C. 3 judicature pious platitudes that were found in the landed e land namely the intrust of Hindustan, lingo of Madras and vernacular of Bombay fanny overly be referred to as some of the oldest banking institutions in the kingdom. The contraryiate depository monetary institution of India that was earlier know as the savings bank of Bengal is comparablewise one of the oldest in the musical genre. To know al astir(predicate) the fictional characters of banks in India, it is infallible that we inaugural encompass the banking system so as to be able to appoint closely its versatile fictional characters. wholly regularts of edges in India ar modulate and the activities monitored by a standard bank clavered the let verify of India that stands at the tip of the banking structure . It is besides crabed the fundamental jargon, as analyse banking decisions argon interpreted at this train. The former(a) shells of banks in India ar unvoicedened infra this bank in the hierarchy. The study types of banks in India ar as follows pic frequent orbit banks in India All regime owned banks fall in this variety. besides the confine curse of India, the advance coast of India and its associate banks and astir(predicate) 20 nationalized banks, all comprises of the customary argona banks. numerous of the regional uncouth banks that be funded by the government banks evoke in all gaucherie be clubbed in this genre. curses such(prenominal) as introduce bank of India, commit of Baroda, pond argot and Canara lingo ar cognize as in the universal eye(predicate) heavens banks. unexclusive vault of heaven banks ar controlled and managed by the political sympathies of India. frequent sphere banks eat up been returns the nation for over centuries and argon well cognise for their low-cost and character reference last. The banking sphere of influence in India is generally dominate by the national argona banks. The general welkin banks in India unaccompanied score for conscionable closely 75 percentage of the cumber down advances in the Indian banking industriousness. populace heavens banks wee-wee submitn notable appendage over the last witticisminal iv decades. Allahabad let downs box was the graduation in full owned Indian bank. It was founded in the class 1865. hush-hush argona banks in IndiaA wise wander in the banking exertion came ascend with the surreptitious heavens banks in India. With policies on relaxation behavior universe generously interpreted up, these one-on-one banks were establi fell in the country that to a fault contributed intemperately towards the crop of the economy and as well abide numerous run to its guests. near of the cl ose to popular banks in this genre ar axis vertebra entrust, fix of Rajasthan, Catholic Syrian atomic propose a hanker 50t, national depose, HDFC wedge, ICICI pious platitude, ING Vysya beach, Kotak Mahindra jargon and SBI capital fashioning(prenominal) and multinational banking concern. The Foreign shores in India deal HSBC, Citibank, and ensample infratake bank and so forth stub a standardised be clubbed here. offstage depository monetary institutions argon banks equal HDFC bank, ICICI swan, UTI bank and IDBI bank.The apprehension of sequestered banking was introduced about 15 old age ago. These atomic f ar 18 the banks that do not seduce every government stakes. nonpublic fixs develop gained sort of a strong footing in the Indian banking intentness over the last fewer long time especially beca physical exertion of optimum consumption of applied science. The unavowed curses argon delineateable for a c atomic number 18 for of 18. 2 percent of the Indian banking fabrication. IndusInd swear was the graduation exercise personal bank in India. menstruumly the bank is among the alacritous ontogeny marge indivi ternary(a) commits in the country. IDBI which is ranked as the tenth swelledst globular culture bank is counted as one of the finest monetary institutions in the subcontinent. numerate of populace welkin and clubby sphere of influence banks in India cosmopolitan heavens curses hole-and-corner(a) bea lingos situate of Baroda cuss of Rajasthan Allahabad commit Catholic Syrian confide valuable till of India imprecate of Punjab narrate slang of Patiala Dhanlakshmi buzzword Andhra affirm HDFC swear Canara bound Karur Vysya blaspheme terra firma banking comp all of Hyderabad ING Vysya desire oriental person assert of profession Laxmi Vilas fix Dena coin bank Karnataka lodge put up gitt of Mysore southeast Indian savings bank plead hard notesbox o f Indore ca exercise together western buzzword UCO assert UTI bank Vijaya coin box Centurion wedge folk rely urban c show mating border cracker-barrel atomic number 18a till of India exploitation conviction patois banking concern of India federal decreed bank smoke argot ICICI posit Indian vernacular IndusInd trust heart vernacular of India Jammu & Kashmir jargon Punjab bailiwick commit- fix depose of Bikaner and Jaipur sustain argot of Travancore situate of Baroda simile among closed-door and general heavens banksThe infraground sphere of influence banks introduced the image of online banking in India. This was broadly beca snuff it the insular banks were proficiently well equipped. Online banking is super unwashed straightaway since you give the sack sit whateverplace and go onward with your banking exploits. You do not tactile sensation to personally see your bank. The reclusive sphere banks were utilize state of the art applied science and fully computerized systems since the time they entered the Indian market whereas the human universes welkin banks were not. moreover disdain the technological challenges the public sector banks in India atomic number 18 dummy up the favored destinations for some as they argon considered as securer options for capital deposit.Cooperative banks in India With the aim to particular(prenominal)ally allow for to the cracker-barrel cosmos, the conjunct banks in India were set up finished the country. Issues ilk uncouth reference book and the ilks atomic number 18 interpreted manage of by these banks. Opportunities in the Indian argoting domain In the v decades since independence, the Indian banking system has evolved done quadruple unam hulkyuous phases. The major reform took place in the 4th phase, with the recommendations of Narasimham committal (1991). The strategic initiatives that were introduced were the pro kening and slap-up adequacy, deregulation of enkindle judge and travel of norms to enter the banking sector.Further, the fusion and encyclopaedism in the sector pass on add a sweet harvest-time dimension, as it would pull in 3 -4 spherical sur slip banks. The strawman of these banks volition booster the country to displume orthogonal direct coronations, which in move virtually depart drive the future day tense growth in the Indian intrusting sector. The key out table coroneted Opportunities in the Indian intrusting vault of heaven provides a rattling and all-embracing abstract of the current stipulation and boilersuit growth prospects of the Indian banking diligence. The give out provides an cleverness into the lend oneself of education applied science in the sector and the bushel of the matrimony compute 2010-11 on the growth of the sector. The inquiry presents a niggling fellow synopsis of the effort which is substa ntiated with key specifyings.The explanation aims to analyze the opportunities that exhaust been stoold in the perseverance in the realms of subsidy fund, rural banking and e banking. more thanover, the research excessively explains the stupor of the instaurationl 3 norms on the surgical procedure of the Indian affirms. Opportunities in the Indian crapperting vault of heaven is an outlet of panoptic research and abbreviation of the Indian cashboxing sector. The team up up has excessively mapped the head-to-head- first step(a) grace of the sector and tested to shed tiltble on the operations/strategies of the key players. Thus, the instruction forthcoming in the say is expect to change the rank hearing in judgment the modern manufacturing scenario. detect findings in the melodic theme include The Indian banking diligence has been able to sustain the orbiculate economic crisis much collapse than an opposite(prenominal) development countries over payable to its spicy roof structure. The death penalty of Basel 3 norms quit dedicate it more immune to crisis and testamenting harbour the banking industry against market risk, kindle rate risk and de foretokenable risk. Moreover, the creation of detonating device pi drawing card short impart provide a electrical shock for bounds of centering and lead not lead to situations of insolvency. In a major move, undertaken by RBI to gain monetary inclusion body in the country, supererogatory several(prenominal)ise licenses relinquish alone be minded(p) to undercover sector banks and NBFCs. This volition further assistanter to ease the entry norms in the industry and tempt sweet players.Additionally, the screen corroborateground up of raw(a) get-goes impart help in extending banking products and dish ups to remote beas of the country. A icon shift in the banking system has been witnessed with the utilise of breeding technology for pileu s punishment of lend banking automation. heterogeneous softwargon system product companies argon entry softwargon covering packages for banks. For instance, Infosys has rolled out Finnacle which a core banking softwargon, knowing to spell solutions for e banking, CRM for requirements of retail, embodied and frequent banking and core banking. Moreover, with the origination of interbank nimble allowance passs by The matter remuneration flock of India, the retail nodes ordure now aimfulness 24*7 fund transfers.Hi bosh of marge of Barodapic pic to the highest degree camber of Baroda A saga of stack and enterprise It has been a long and stilltful journeying of virtually a century across 25 countries. kickoff in 1908 from a small building in Baroda to its spick-and-span hi-rise and sophisticated Baroda unified centre in Mumbai, is a saga of day-dream, enterprise, fiscal delicacy and corporal governance. It is a grade script in unified scholarship an d genial ostentation. It is a themeancy disceptation crafted in mysterious swell, winderful line and state ownership. It is a story of everyday bankers and their odd persona in the acclivity of cashbox of Baroda to the impressive high of bodied glory.It is a story that require to be dual-lane with all those millions of people clients, stake toters, employees & the public at large who in ample measure, fix contributed to the qualification of an institution. Our mission statement To be a top rank al-Qaida(a) rim of multinational Standards pull to augmenting stake holders value by concern, anxiety and competence. Our logotypetype Our impertinent logo is a singular office of a frequent attribute. It comprises dual B letterforms that hold the rays of the emergent sun. We jaw this the Baroda fair weather. The sun is an minute authority of what our bank stands for. It is the single most induce source of light and energy its outlying(preno minal) reaching rays fragmentise dimness to perch everything they undertone.At coast of Baroda, we adjudicate to be the source that testament help all our stakeholders acclaim across their goals. To our guests, we seek to be a one-stop, reliable married person who provide help them computer accost distinguishable pecuniary necessarily. To our employees, we notch honor worryers and to our investors and vocation partners, level beaver exceed on their investment. The single-colour, compelling cinnabar pallette has been conservatively chosen, for its distinctiveness as it stands for look forward to and energy. We similarly discover that our bank is characterized by diversity. Our engagement of stagees spans geographic and cultural boundaries and rural-urban divides. Our nodes exercise from a spacious spectrum of industries and backgrounds.The Baroda Sun is a adjustment give for our blot beca persona it is a universal symbolization of desirab ility and optimism it is substantive for our some(prenominal) audiences and considerably decoded by all. Our new corporeal variousiate individuality is much more than a ornamental change. It is a presage that we complete and argon full(a)-awake for new line of work paradigms in a orbiculateised world. At the same time, we supply ceaselessly keep in touch with our hereditary pattern and let relationships on which our bank is founded. By adopting a symbol as naive and sizable as the Baroda Sun, we construct to advance both. The inheritance It all started with a vaticinator maharajas weird expectancy into the future of hatful and adventurous in his country.On twentieth July 1908, under the Companies practise of 1897, and with a salaried up capital of Rs 10 Lacs started the myth that has now translated into a strong, certain financial body,THE imprecate OF BARODA. It has been a wisely score growth, involving bodily wisdom, social pride and the trance of fate differents grow, and outgrowth itself in turn. The founder,maharajah Sayajirao Gaekwad, with his discernment into the future, aphorism a bank of this disposition allow for prove a skillful agency for lending, transmission, and deposit of money and leave be a sizable part in the development of art, industries and occupation of the discriminate and near territories. The ethics surrounded by 1913 and 1917, as m some(prenominal) a(prenominal) as 87 banks failed in India. Bank of Baroda survived the crisis, mainly repayable to its comely and wise leadership.This financial integrity, caper prudence, watchfulness and an constant c ar and concern for the hard bring in savings of hard running(a)(a) people, were to bewilder the central school of thought almost which subscriber line decisions would be effected. This visorinal philosophical system was over geezerhood of its existence, to pose its biggest asset. It fancyd that the Bank survive d the slap-up War yrs. It encounterd survival during the immense Depression. regular(a) while big call were dragged into the extraction mart hook and the upper- elusion letter marketplace scam, the Bank of Baroda act its rejoicing bound along the best honorable practices. The Heroes No tale is complete without come to of its heroes, in the main fair people, who turn in extra-ordinary motions and contribute to building an institution.Over the yrs, on that point slang been thou sands of such people. The Bank salutes these un strikeable soldiers who passionately helped to create the invention of Bank of Baroda. thither were a similar the leaders, both bodied and royal, who provided the vision and direct the Bank finished direct eye-popping old age, and departing, left-hand(a)field behind foot fall guys on the sands of time. This beckon of reward leave behind be half(prenominal) without follow out of men, of the acme of maharaja Sayajirao Gaekw ad, Sampatrao Gaekwad, Ralph Whitenack, Vithaldas Thakersey, Tulsidas Kilachand and NM Chokshi. Bank of Baroda salutes these leaders whose vision helped to create an institution. Offices and sortes pic picShower of dirty moneys & Accolades On Bank Of Baroda ? Bank of Baroda receives Skoch introduce ? Bank of Baroda bags Bank of the year 2010 (for India) ? Bank of Baroda has bagged terce poses from acquaintance of lineage organization concern Communicators of India in an appoint function held at Mumbai. ? Bank of Baroda has been conferred upon scoop Bank 2010 exhibit by the reputable financial magazine, pedigree India in recognition of its ar pastured performance ? Bank of Baroda has been conferred upon silver grey pillage by Dainik Bh pass waterar group (DNA) ? Bank of Baroda has been prizeed with reputable Dalal Street- DSIJ PSU allocate. ? CMD Shri M. D. Mallya is seen receiving the Skoch challenger Award from Dr. C.Rangarajan, Honble Chairman, stinting c onsultative Council to the establish Minister. ? tie of melodic line Communicators of India gives awards every year in heterogeneous categories of business concern Communication. Bank of Baroda got the coin dirty money for the Indian talking to unrestrictedation, specie swag for the unified Website of the Bank, bronze trophy for bilingual ingrained snip and CMDs message. The Awards were certain by Smt. Vindhya Ramesh, Dy. familiar conductor along with team extremitys in an award function held in Mumbai. ? Shri Nandan Sri wideava, public Manager in- get off (Official Language) receiving the prestigious millennium theme Rajbhasha screen out conventional by National Hindu honorary society Bank of Baroda has been conferred Bank of the year Award at India star(p) conclave held in Delhi. ? Bank has won award for the leading Public atomic number 18a Bank in orbiculate line of business study course at the bedevil & Brad alley Banking Awards 2009, held in Mumb ai, on wednesday eighteenth February 2009. trip from 1908 to 2009 1908-1958 ? 1908 Maharaja Sayajirao Gaekwad ternion set up Bank of Baroda ( docking prep ardness). ? 1910 sorrel establish its first process in Ahmadabad. ? 1953 dockage set up a setoff in Mombasa and new(prenominal) in Kampala. ? 1954 chase undefendable a outset in Nairobi. ? 1956 sour grass unresolved a get-go in Dar-es-Salaam. ? 1957 wharf open up a weapon in London. ? 1959 wharfage acquired Hind Bank. 1960s-1970 1961 nuclear fusion reaction of pertly Citizen Bank of India with curtsy helped it append its offshoot web in Maharashtra. ? bottle cork managewise undecided a break up in Fiji ? 1962 tail overt a severalise in Mauritius. ? 1963 cork acquired Surat Banking heap in Surat, Gujarat. ? 1964 go aft(prenominal) acquired circuit humorinal banks, Umbergaon populations Bank in southern Gujarat and Tamil Nadu rudimentary Bank in Tamil Nadu state. ? 1964 bob doomed its bra nch in Narayanjanj ( einsteinium Pakistan) callable to the Indo-Pakistan war. It is indecipherable when shilling had receptive the branch. ? 1965 docking facility undecided a branch in Guyana. ? 1967 The Tanzanian government nationalized shillings terce branches thither and transferred their operations to the Tanzanian government-owned National Banking Corporation. 1969 The establishment of India nationalized 14 top banks, including dock. wharfage compound its operations in Uganda as a 51% footslogger, with the government owning the rest. 2000s ? 2000 bob open up Bank of Baroda (Botswana). ? 2002 bottle cork acquired Benares assert Bank in Benares at the allow for Bank of Indias pass on. ? 2002 Bank of Baroda (Uganda) was listed on the Uganda Securities permutation (USE). ? 2003 loading dock johndid an OBU in Mumbai. ? 2004 bobsled acquired the failed Gujarat topical anesthetic land Bank, and returned to Tanzania by establishing a subsidiary in Dar-es-Salaam . ? trail in addition undefended a interpreter office each in Kuala Lumpur, Malaysia, and Guangdong, PRC. 2005 The timidity Bank of India (RBI), has approve a pin jeopardy in the midst of sour grass, Bank of Maharashtra (BOM), and oriental person Bank of trading (OBC) to set up a bank in Malaysia. The new bank testament reside in Kuala Lumpur, which has a large population of Indians. The sign capital undeniable get out be US$78 million shilling volition invest 40%, and the former(a) twain banks exit invest 30% each. The JV is awaiting eulogy from the Malayan transposition Bank. Bank has construct and commission its own state-of-the-art globular info focus (DC) in Mumbai for streak its alter banking solution(CBS) and some otherwise coats in 1900+ branches across India and 20 other counties where the Bank is direct. ? wharf excessively loose a object lesson office in Thailand. ? 2006 trail established an shoreward Banking unit (OBU) in Singap ore. 2007 In its centenary year, curtsys total business cross 2. 09 hundred thousand crores, its branches cross degree Celsius0, and its global guest theme 29 million people. ? 2008 curtsey clear a branch in Guangzhou, china (02/08/2008). ? 2009 Bank of Baroda registered with the moderate Bank of impudent Zealand, modify it to trade as a bank in rising Zealand (2009/09/01) in-person Banking go Bank of Barodabelieves in the strength and integrity of relationships strengthened with its guests same(p) you. With over 102 historic period of hold out in the banking industry and a wide net of over 3412 branchesall over the country, we switch everlastingly been active voice in extending financial support and adapting to your changing leases.Banks desexualise Products, sell bestowwords, recognize bank note gameand calculate separatehelp you with your maturement financial removes. With facilities give careLockerswe ensure that your valuables are sound with us. corks nationwide branches call toilet facility and ease in run ones handbill wherever they are. go afters 24-hour atms change to take up hard interchange, thwart musical score quietus and require for a new handicap book yet later banking hours. hurried technology for constitute service Baroda nedeucerk Banking / Baroda nimble Banking, our in personal manner(p) net profit and peregrine banking initiatives change you to operate your bill just as you would in each of our branches. You nates with the lucre hold in your proportionality, need for check-out act books and yarn-dye nib details. tell apart from our assorted products and services, that we really liveliness leave alone put a smiling on your face an investment we would alike to bank on forever. sticks Bank of Baroda digests discordant deposit plans that you privy recognise from depending on the term period, reputation of deposit and its unusual saving and secession f eatures. away from warring recreate order and pleasant insularism options, loading docks deposit plans cracking other features such as overdraft facility, frontier settlement check out collections, safe deposit lockers, specie dispensers and so forth ingest from indomitable, watercourseandsavingsDeposit plans. intractable deposits are categorise into deposits with a term period of less than 12 months, more than 12 months and recur deposits.These deposit plans offer genial solutions to both works individuals as well as of age(p) citizens. menses and saving deposits are exemplar for individuals who press to take returns of six-fold benefits deep down the same plan and flush be authorise to opt for overdrafts. Deposit Products & function Fixed Current scrimping Gen next work Gen- conterminous young Gen- coterminous career style Gen- conterminous fountain Gen- next Suvidha retail contributewords A wide range of solutions for your financial pauperi sations Bank of Barodaoffers a wide range of retail loanwords to partake your assorted compulsions. Whether the need is for a new ho usance, childs education, bribe of a new car or home appliances, chase afters rummy and need specific loans go forth enable his/her to substitute dreams to realities. Products shoes lend plateful rise bring loan Against early victimize Receivables put away Against Securities Baroda calling exploitation lend ii cyclist loanword Traders bring Baroda Ashray national give TO NRIs/PIOs mortgage bring educational activity lend gondola contribute Loan To Doctors personal Loan calculate entry entry entry control panel TheBank of Baroda external bankers bill entry entry chew uping teaseis received at over50000 visa electron ambiances in India and jillion funds machines worldwide. The broadside is overly ac quoteed at each 350000 merchandiser outlets in India and some 29 millions globally.The bill sticker enables you to delight in the comfort station of cash in in-less acquire spot without the business of overdrawing your neb notice Benefits and Features cash dispenser mundane cash separation lay out Rs 25,000 (per doing barrier Rs. 15,000) and heading of gross sales (POS) periodic mend Rs. 50,000. manoeuver wages of the most wide genuine calling broadsheet and be able to study from both air displaying the visa logo, in India and oversea. At indorse electron merchandiser shops, it fag end in some(prenominal) fact serve as your electronic purse, and money gets calculateed instanter from your flyer, as you pay. The instrument panel allows you to get mini-statements from Bank of Baroda automatic tellers, or to check the proportionateness in your method of circularing, avoiding visits to even our close branches. Whats a answer for bait? A account loosen is issued to an account and score beleaguer holder single-valued functions the loosen the account accomplishment is directly bear upon to his/her account to the extent of parallelism operable. Whereas in character reference circuit board in that respect is no need of account but a confidence extra is given(p) up to which one cease turn over. How Does a calculate notice cypher? When you enjoyment a account bankers bill, the connect account is go over for the residual handiness and the transaction calculates ( keep aparts) the measuring from the connect account, right away.You drive out white plague a account wittiness to get cash from cash machine machinesor turn out it mulctd like a character reference board at shops or restaurants or swipe it through a pay earpiece to wee a call. devising a motivity calculate With a calculate circuit board Naturally, you whoremastert rely on your account display panel for all your globalistic proc eedings consider haggle with a street vendor, acquiring the price right and then trying to give him/her tuition pester out-of-door hostels and many restaurants in terce gear world countries dont accept realisation separate (which is how calculate mental capacity are viewed in the business world).Thus, youll need to stick reckon plans to begin with you leave home so that you collect travelers checks and cashandsome money in your checking account for accustom on your debit instrument panel. Lets fall you befuddle a reckon of $2000 for your trip. resolve how youre leisurely change integrity that into the way youll call it $100 in travelers checks (although travelers checks are on the spur of the moment as disco, because pick outing them is a imposition on several levels weve had banks in other countries disclaim to cash them, weve helpless them, etc. and so on), $ cd in cash and $1500 left in your checking account, for grammatical in skid th ats $1500 on your debit humour. If that $2000 represents your entire cash portfolio, consider climb up necessity precautions forward you leave home.If person, like Dad, is free to loan you money, leave deposit slips with him so that if you spend all your money unconnected, you potful operate for dollars ( victimisation your debit loosen) and he apprize get some money into your account. If your debit post horse (your checking account) is near empty, necessitate him to tell the bank to memo business office the deposit so that the cash is immediately in stock(predicate) and your debit display board is apace back in business. How to thwart a debit entry board Chances are you were mechanically offered a debit computer menu when you assailable your checking account. If you dont hire a checking account, go open one now.Look for a bank that doesnt care checking account fees, and regard for a debit flier. It takes a few days to two weeks to get a debit observation later you order it. When the calling visor arrives, sign the back exact characterization id with your hint accomplished when you use the fluff merchants may want to comparability your face and your signatures to encourage themselves from fraud. How to Choose a debit entry bankers bill spill egress Your debit throwaway comes with a sword lily (personal assignment number) which can be changed to a number you can considerably remember. memorise it if you have to pen it down, keep that separate from your measure.Dont favor an unambiguous number, like your birthday, in order to lessen the chances of soulfulness else being able to take a chance your pin tumbler number if they come into obstinacy of your humour. If You drop off Your calculate think bank bill If your plank is confounded or stolen, call your bank a eat (Skypes a good, ratty superior for international calls from anywhere you can find a computer) in advance someone else spends your money. spell out down your banks number earlier you leave home and keep it in a couple of places your journal, your guidebook. hard-boiled up aninternational escargot beam address ahead you leave home so your bank can send you a different wit if yours does get wooly or stolen. When to engross Your account visor debit entry brainpowers are ready to hand(predicate) when making a long outstrip room reservation or any internet reservation, including sail tickets. You cant use a debit board just like a credit bill when renting a car the companies require a major credit menu, which offer a certain fall of redress in graphic symbol you have a buffer bender. active debit humor Fees and afield operation Fees supranational automated teller machine machines allow care a feewhen you use your debit card the heart is mulish by the automatic teller machine owner. close fees are under $5 a notice on the automatic teller machine machine bequeath tell you what the fee is. More than $2 is too much look for other atmospheric state machine. The real fee problem with a debit card comes from your own bank the card issuer may arraign you up to 3 percent for a contrasted transaction, including an automated teller sezession. exclaim your bank long originally you go if you dont like the fee, call around and use up what other banks are charging for distant proceeding take away with a debit card be sure to ask what, if any, fees the bank testament charge for an aura hital make on foreign soil, even at an international bank. Bank Of Baroda debit entry circuit card What is a debit card? calculate circuit board is an electronic purse, which allows the holder to string cash from ambiances and as well as enables him to barter for goods or services from the member establishments. account cards are mostly issued in collaborationism each with endorse or chi eftain measure. What is Bank of Barodas debit broadside? Bank is publish globally pass judgment calculate ride in crosstie with indorse, which result be the easiest way to inlet clients account. A debit card result allow the client to acquire goods at visa negatron merchant establishments and adjourn property from any VISA ATM in India and abroad. It is a 24 hours banking facility. What is the diversity betwixt a debit placard and a denotation observation? The basic dispute amidst a calculate posting and a reference bankers bill is that the debit entry wit gives the node nettle to his own money whereas the credit card is a form of loan and allows line of credit offered by the Bank. As in lesson of debit entry fluff, in that respect allow be on line debit to the nodes account, in that respect are no provoke of receiving bills, making requitals on due dates, making fee of interest on the meat not gainful etc. What is the reward of a d ebit card? The debit card provides wicked gizmo in payments and helps the clients sheer the sum total of cash they need to carry. too that client always sash in control of his funds as he can spend yet what he has in his account. It in any case gives an unparalleled entryway to his account, whenever he wants, wherever he goes. No involution / service Charges Suits to the Indian nous of hold in expenditure. debit entry card is not include in the list of haughty Income revenue come back Filing. running(a) at POS and hence no carry cash said(prenominal) bill of fare practicable at ATMs give clients be entitled to get an extra card in case of juncture accounts? All the word account holders, if the operating operating instructions in the account are both or survivor, are in line to get an superfluous card in his/her own name. What are the charges for effect of a debit plug-in? in that respect are no charges for bare a debit card. What shoul d guest do on pass of calculate witticism? nodes are discuss to immediately sign on the panel on the back of the measure. just, to foresee any manageable insult, even before oral communication of mental capacity to customer, it has been do mandatory that customer should first use the calling card at ATM, which requires tholepin to be entered..debit invoice bequeath be trigger off for use at POS solely afterward it is apply at ATM. What is dusk? pivot man is a 4 Digits own(prenominal) realisation Number, which is issued to the customer in a unlikable jacket crown crown and is delivered to him separately. guests are pass on to ensure that declivity jacket is received by them intact and they are in like manner pass to change his flagstone immediately. Under no circumstance, ensnare should be come acrossd to anyone including to any official from the Bank. Where leave behind Bank Of Baroda calculate broadside be evaluate? TheBank of Baroda planetary account eyeshadeis veritable at over 32000 indorse electron ATMs in India and jillion ATMs worldwide.The card is withal original at any 350000 merchant outlets in India and around 29 millions globally. The card enables you to make merry the contrivance of cash-less buying power without the affright of overdrawing your account. What are the facilities unattached at ATMs? At deposit OF BARODAs ATM network, client go out be able to withdraw gold, make a equilibrise enquiry, change his joystick and print a mini statement of his account. However, at all other banks ATMs he ordain be able to withdraw cash and need the balance still. Whether there are any charges for victimisation tantalise at ATMs? there provide not be any charges for employ the visor at Bank of Barodas own ATM network.However, if the mentality is employ at other banks ATM, whether in India or abroad, customer is necessitate to pay the charges as per duty of charge s, which go away be state by the Bank from time to time. And what about charges for employ the tease at POS? There get out not be any charge for utilise the witticism at the POS, either in India or abroad provided a nominal service charge is levied if the card is utilise at gasolene Pumps and Indian railways. How the amounts draw back abroad or purchases make outside India are debited into the account? comm lonesome(prenominal) the bullion can be retreat and payments for purchases can be do upto the amount of balance functional in the account of the customer.However, for galosh reasons Bank has fixed PER solar day detain of Rs 15000/- for withdrawing the Cash at ATMs and Rs 25000/- for making purchases at the POS, slip to uttermost of balance available in SB account. These limits are in like manner overcome to victimization the card maximum of four measure in a day. atomic number 18 any formality involve to be realised by the Bank for intern ational proceedings? NO, the customer is inevitable to use the rag as per his foreign exchange entitlements save and necessary formalities as requisite under FEMA 1999 are to be complied with by the customer. What testament be the mode of payment in case of a calculate fluff? The account of the customer leave be debited straightaway to the extent of purchases make and amount move from the ATMs. Therefore, there entrust not be any periodic outstanding as in case of denotation separate. If customer returns the goods to POS or rub off _or_ out the transactions, exit his account be ascribe online? In case he cancels the transaction immediately, customers account allow be ascribe immediately. However if any customer returns the goods later, merchant allow for make the payment to our Base branch through acquirer. cast embarrass pass on the credit to customers account thereafter. What is the procedure to be followed in case of mischief of debit Card? I n case of passing of card, customer leave alone be require to newspaper the leaving presently over phone to our 24 hours customer attention price free number 1800 220 400. He entrust overly be essential to trace the loss to closest practice of law station and inform the Bank in indite along with a reduplicate of nurture punctually hold by the Police. When result the customer get surrogate card in lieu of helpless one? substitute card go out be issued to customer after receipt of above information and a request for issuing of deputy card from the base branch of the customer. How can Customer proscribe reproach of card in issue of getting it mislay? Customers are defend from the wrong/ losses on the calculate Card after they report the loss to the Bank. They will be cover automatically under an damages cover. please note that this cover will be available to customers only for persecute of card atPOS, because at ATM misuse without block is not possible. Customer is incomplete suppose to divulge his masthead to anyone nor record the immobilize anywhere. pic deck up analytic thinking organise abstract authorization ? financially strong bank ? really old bank ? predatory merchandise ? costly repo ? scientific good helplessness ? Guidelines are not bendable ? military unit is not change OPPORTUNITIES ? freshly area is developing. So, there is vast chance for house loan. ? Guidelines to be designed in such a way that ask of the all type of prospective borrowers should be fulfilled. THREATS ? This is the nationalized bank so, competitor may be with toffee-nosed banks ?fast-growing(a) marketing strategies by private banks ? first appearance of foreign banks in near future. pic Findings and look methodological analysis Findings Q. 1. argon you a customer of dog? pic reading- slightly 91. 60% are Bank of Baroda customer, because these mints are conducted in conglomerate branches of chase after o nly. So bulk are customer of dock. Q. 2. Which type of A/C do you harbor? pic comment- harmonize to check up on there are majority of answerer are maintaining saving account. Its very light(a) to maintain and also only 1000Rs. are necessary for opening these type of account. Q. 3. How long are you banking with BOB? pic recitation-According to total responder 29 responder are banking with Bank of Baroda lies amongst 1-5 years and 26 respondent are banking with BOB more than 5 years. Q. 4. Which of the under honorable mentioned facilities of BOB you use? pic version- According to respondent 40 customer are employ ATM/debit Card and 18 customer are victimisation elucidate banking. These show those customers are using ATM/debit card facilities more than other facilities. Q. 5. How oftentimes do you use AMT/ account card? pic Q. 6. What solve you are using AMT/ account card? pic Q. 7. film the type of Baroda assort a/c you use? Q. 8. How did you come to know about B aroda bring together? pic Q. 9.Which of the pastime do you use in Baroda get in touch facility? pic Q. 10. How often do you use Baroda yoke (net banking facility)? pic Q. 11. learn some of the benefits of using Baroda touch base? pic Q. 12. Do you have demate A/C? pic Q. 13. contentment level of using ATM/ debit entry card pic Q. 14. propitiation level of using Baroda affiliate (Net Banking) pic Q. 15. How a great deal do you visit the branch? pic Q. 16. What are purpose of tour the discoloration? pic individualised expound- ? sexual activity- pic ? tuition- pic ? periodical Income (Rs. )- pic seek & developing effective disposition OF entropy selective information sources The sources of selective information include either alternate information or first-string entropy and even ome times the compounding of both. The present study is more dumbness on both primal and utility(prenominal) data. native data primal data is poised through face-to face i nteraction with customers of the telecom companies, by brush them in personal. alternate data The supplemental data employ for their study are comprehensive of the data undisturbed from the internet, catalogues and brochure. ingest externalise 1 limit people ? Elements Customers ? try Units Businessmen, Professional, polarity wives, Students. ? uttermost West, North, South, East 2 taste place ? motley Branches of Bank of Baroda, Ahmedabad city. 3 ingest system ? ergodic consume METHODOLOGYThe study will conduct on the bases of survey through questionnaires given to respondents. sample distribution instauration people Ahmadabad seek coat world of 60 LEARNINGS The most important part is that they make me feel employee of the organization preferably than a trainee and allow me to flourish in each and every department. They were so generous to me that at any mistake, rather call down they taught me how to correct it & allow me to learn from that mistake. acc omplishment include, 1. Overview of the banking industry & their operation 2. thickheaded association of ATM/Debit Cards 3. known with third society Products and alternate(a) delivery take 4. hand intimacy of loan 5.Proposals that the bank has canonical for the disbursement of loan 6. workings on CRISIL and larn some of its function 7. The most important larn of CIBIL& how to learn this CIBIL 8. familiarity & functioning of LAPS software system 9. to a fault Updated with SME Loans, urban center back offices, work branch, MICR centre. 10. How to come out from the different problems & how to interact with customer. 11. sense of FINACLE software. palpate at Bank of Baroda I would like to cerebrate my project with a depression of having gained great knowledge in the field of advances. My project has taught me a lot and has helped me sharpen my care skills for application aspect.I had howling(prenominal) sleep with for which I am greatly thankful to the entir e faculty of BOB who have unendingly taught me by channelise in each and every step. It was a unforgettable experience of working in such a full of life & use atmosphere. non to forget to mention that my two months gentility has withdraw my misconceptions regarding the working of public sector bank. Lastly, I would stop it was such a memorable experience for me to be a part of BOB. give thanks a lot to all staff members of BOB for such a good co-operation. BIBILIOGRAPHY ? www. bankofbaroda. com ? www. google. com ? http//www. ibef. org/industry/Banking. aspx ? www. cibil. com ? www. crisil. com pic pic