A

SUMMER TRANING PROJECT REPORT

ON

“CUSTOMER PERCEPTION ABOUT SERVICES OF CENTRAL CO-OPERATIVE BANK”

GURU JAMBHESHWAR UNIVERSITY OF SCIENCE & TECHNOLOGY,HISSAR

In partial fulfillment of MASTER OF BUSINESS ADMINSTRATION

Submitted To :- Submitted by :-

Ms.Julee Khokhar Deepak Kamboj

Asst.Professor ROLL NO-1211310064

(MBA:-2012-2014)

JCD INSITUTE OF BUSINESS MANGEMENT,SIRSA

SESSION-2012-2014

DECLARATION

I Deepak Kamboj a student of MBA III Semester (2012-2014), at JCD Insitute of Business

Management, Sirsa hereby declare that this Project Report under the title “A Study On

Customer Perception About Services Of Central Co-Operative Bank” is the record of my

original work under the guidance of Ms. Julee khokhar. This report has never been submitted

to anywhere else for award of any degree/diploma.

DEEPAK KAMBOJ

GUIDE CERTIFICATE

This is to certify that the project “A Study On Customer Perception About Services Of

Central Co-Operative Bank ” submitted to JCD INSITUTE OF BUSINESS

MANGEMENT,SIRSA in partial fulfillment of the requirement for the award of Master of

Business Administration (MBA) is a bona fide work carried out by Deepak Kamboj, a student

of MBA III Sem, under my supervision and guidance. The project was carried during 15.06.2013

to 31.07.2013 in The Sirsa Central Co-Op. Bank LTD.

Dr.Kuldeep Singh Project Guide

Principal Ms.Julee Khokhar

JCD Institute Of Business Management Asst.Professor

ACKNOWLEDGEMENT

                                Heartfelt Thanks to the following people….. A few typewritten words of thanks can not really express the sincerity of my gratitude. But I am

still trying to put into words my gratefulness towards all who have helped & encouraged me in

carrying out this project.

Any work-study is never an individual own effort. It is contributed effort of many hearts, hands

and heads. I give my great sense of privilege in submitting this project work, for which I am

grateful and indebted to Mr. HARISH CHANDER (BRANCH MANAGER) for allowing me

and also for help to undergo my training and to do this project at This Bank 

Further, I would also like to thank all the Employees of THE SIRSA CENTRAL CO-

OPERATIVE BANK,SIRSA and all the respondents of survey, without whom it would be

impossible for me to complete the project. 

(DEEPAK KAMBOJ)

PREFACE

Responsibilities for the economic development of India by taking banking services to the masses

and taking special care of the weaker section of the society and the priority sector of the

economy. Though the number of banks offices magnitude and the variety of their operations

have grown considerably during the period of near about three decades, but The introduction and

application of the concept of customer services entered in a welcoming way in India only after

independence. The banking system in India has come a long way during the last two centuries.

Its growth was faster and the coverage wider since 1960. In 1969, a major portion of banking

sector was entrusted to the public sector. This process continued and embraced few private sector

banks in 1980. 

The transfer of ownership of banks from the public to private was aimed at entrusting the banks

with greater it appears that the banking sector has entered into serious business among

customers. 

For overcoming this problem, banking industry should seek introspection and adopt refined

management techniques. It has been endeavors of this study to analyze the present state of

various banks keeping in view the primary data has been collected regarding the present state of

loan schemes in various banks by using a questionnaire. 

Executive Summary

“ENSURE ME A GOOD PANCHAYAT, A GOOD SCHOOL AND A GOOD

CO-OPERATIVE SOCIETY: I WILL ENSURE YOU THE RAMRAJYA”

PANDIT JAWAHARLAL NEHRU

This is a study to understand the causes for success or failure of co-operative societies banks.

The Co-Operative Societies Banks are mainly divided into rural cooperative societies banks and

urban cooperative societies banks. Here we are studying the entire structure of co-operative

societies banks giving much emphasis on rural CSBs. We are evaluating the strategies of CSBs

with regards to their success and failure and attempting to implement the strategies of successful

CSBs to those, who that are a failure CSB to minimize the problems faced by them. Based on the

survey-conducted by us, we assume that the main reasons for the failure of rural co-operative

societies banks.

Inefficient fund management

Poor recovery methods

Political interferences

Lack of control & Supervision

By analyzing these causes we will be able to locate the loopholes in the CSBs, which will help in

eliminating the problems faced by these banks. Although the cooperative banks established on

the patterns of Raiffeisen and Schulze Delitzch patterns have made substantial progress in India,

the movement can not be termed as a vibrant one in regard to cooperative values and philosophy

as enunciated in cooperative principles. While the extension of financial sector reforms

programme mainly the prudential standards to cooperative banking segment on par with

commercial banks may be justified on several counts, it can not be ignored that such standards

were essentially contrived for the latter. Logically, if the prudential standards, and supervision

and regulation for cooperative banks were same as that of commercial banks, then there would

not be any difference worth mentioning between these entities other than the holding pattern.

The notion of a code of good practices though intuitively appealing, the temptation to prescribe

universally valid model codes which do not allow for differences in institutional development,

legislative framework and more broadly, different stages of development must be avoided. The

increasing external intervention in the era of reforms, many a times beyond the functional

aspects of cooperative banks has resulted in the dilution of cooperative character in terms of their

adherence to cooperative principles. The paper identifies several broad areas for the

intervention of researchers under three categories, i.e., prudential standards, professional

management and governance and supervision & regulation against the backdrop of financial

sector reforms. While maintaining the thrust on cooperative character throughout the

discussions, it is argued that if cooperative character of credit cooperatives is to be preserved or

promoted, then the prudential norms, system of governance and supervision & regulation, all

should emanate from the guiding principles of cooperation.

CONTENTS 

o INTRODUCTION OF BANKING

o ABOUT BANKING INDUSTRY IN INDIA

o INTRODUCTION TO COOPERATIVE BANK

o WHAT IS BANK

o RESEARCH METHODOLOGY

o OBJECTIVES OF THE STUDY

o LIMITATIONS OF THE STUDY

o PRODUCTS & SERVICES AT COOPERATIVE BANK

o DATA ANALYSIS & INTERPRETATION

o FINDING & SUGGESTION

o CONCLUSION

o BIBLIOGRAPHY

o QUESTIONNAIRE