A

PROJECT REPORT
ON

IDBI BANK

BACHELOR OF COMMERCE IN BANKING AND INSURANCE

(SEMESTER V)

Under the Guidance of

PROF. VARSHA SAWLANI

Submitted

In Partial Fulfillment of the requirement for the Award of the degree of

Bachelor of commerce in Banking and insurance

Submitted by,

SANDEEP RAMBHAVAN CHAUHAN

ROLL NO. 1728052

SHRI SIDH THAKURNATH COLLEGE OF ARTS & COMMERCE

ULHASNAGAR 421 004

UNIVERSITY OF MUMBAI
2017-18
 DECLARATION

I, SANDEEP RAMBHAVAN CHAUHAN student of TYBCBI (Bachelor of

Commerce in Banking and Insurance Management) hereby declare that I have
completed the Project on IDBI BANK in the academic year 2017-18.
The information submitted is true and original to the best of my knowledge.

SANDEEP R CHAUHAN

{T.Y.BBI}

ACKNOWLEDGEMENT
 My project is a result of the inspiring and thoughtful guidance and
supervision of my project guide PROF. VARSHA SAWLANI I am deeply
indebted to her whose help, time, support, inspiration, stimulating suggestions
and encouragement helped me in all the times of research and writing of this
report.
This project has widened my horizon to various areas under general
knowledge regarding the practical and real aspects of IDBI BANK".
I whole heartedly thank all the concerned people at college as well as at
university level, who have given me the chance for preparing this valuable
project.
I would further like to thanks our Principal Sir Dr. J.C. Purswani for
giving me an opportunity to complete our Project
Last but not least, this Project has definitely helped me to achieve something
which will be useful to us in near future and hence I am thankful to all persons
who have helped in knowledge.
 Preface

Decision making is a fundamental part of the research process. Decisions regarding that what

you want to do, how you want to do, what tools and techniques must be used for the successful

completion of the project. In fact it is the researchers efficiency as a decision maker that makes

project fruitful for those who concern to the area of study.

Basically when we are playing with computer in every part of life, I used it in my project not for

the ease of my but for the ease of result explanation to those who will read this project. The

project presents the role of financial system in life of persons.

I had toiled to achieve the goals desired. Being a neophyte in this highly competitive world of

business, I had come across several difficulties to make the objectives a reality. I am presenting

this hand carved efforts in black and white. If anywhere something is found not in tandem to the

theme then you are welcome with your valuable suggestions.

 Executive Summary

- Banking sector was quite similar in offering and products and because of

that it was very difficult to discriminate between our product and products of

the competitors.

- Target customers and respondents were too busy persons that to get their

time and view for specific questions was very difficult.

- Sensitivity of the industry was also a very frequent factor which was very

important to measure correctly.

- Area covered for the project while doing job also was very large and it was

very difficult to correlate two different customers/respondents views in a

one.

- Every financial customer has his/her own need and according to the

requirements of the customer product customization was not possible.

 INDEX

SR. Chapter Name Page.

NO No
1 INTRODUCATION OF BANK 1-6

1.1 An overview of Banking Industry

1.2 Banking structure in India

1.3. Present Situation of Banking Industry:
1.4 New Generation Banking:
2 INDUSTRY STATUS & IDBI BANKS INTERFACE 7-22

2.1 Industry introduction

2.2 IDBI bank: all about

2.3Industry /bank performance

3 RESEARCH METHODOLOGY 23-36

3.1 Objective of the study

3.2 Scope of the Study

3.3 Tools and Techniques

3.4 Applied Principles and Concepts

3.5 Sources of Primary and Secondary data

3.6 Statistical Analysis

4 COMPANY PROFILE 37-41

 4.1 Brief Introduction of IDBI

4.2 IDBI Bank: A journey from Development banking to

Commercial banking
4.3 Capital Structure

4.4 Highlights

4.5 SWOT of IDBI

5 BANK DEPOSITS 45-48

5.1 Introduction

5.2 Types of Deposits Account

5.3 Common guidelines of opening and operating deposit

accounts
5.4 Types of Deposit Accounts in IDBI

6 BANK LOAN 49-51

6.1 Basic of bank landing

6.2 Principles of Lending and Loan policy

6.3 Loan Policy

I ANNEXURE
A QUESTIONNAIRE I-II

B CONCLUSION III
C BIBLIOGRAPHY IV
D WEBIBILOGRAPHY IV