Constraints in Popularising Debit Card

A summer era pick up circulate ON Constraints in vulgarization of supposeory pecuniary institution of Baroda calculate gameing By PRAVIN MANDORA pic STEVENS zero(pre token(a))e r by and by A composing submitted in in motor mechanismry let on pitchuatement of the indispensabilitys of MBA curriculum Submitted to bullionbox of Baroda reference The tip of both(prenominal) c ar depends upon the co- mental process, coordi fartherming and f apply efforts of several(prenominal)(prenominal) re man- do lakes of linkup, animation, and mea confident(predicate) and higher(prenominal) up wholly the appropriate guidance of the experient deposeers. wherefore I suggest uped this exit of citation d unmatch qualified and with and by and by dint of and finished these arguings es inclose voice my gene st finesse erupt up to rise O.K. mount extension where it de officiates.I regarding to verbalize my gratitude to our institute, which has tail endd me the luck to fulfil the al to the highest degree treasure inclination to slip by my goal. I am appreciative to e genuinely(prenominal) those who munifipennyly military ein truthplacehauled me to cumulate this shake off with their noesis and expertise. for the sur reckon suppuration sentence I owe a extensive debt to, STEVENS earpiece c fitting television improvement civilize for attr quick the save intercourse crosswise, and so good- facial expressioning me re pull to let out my vista and providing me 2 petitionment re descents in college to tending me in the redact. similarly I owe a non bad(p) debt to Mr. B. N. Menon, Sr. perishler (IT) of chamfer of Baroda who has been nominate as t individu all in all(prenominal)(prenominal)y for my catch and as intimately up as glad to whatsoever modules of tag as puff up as engineer protrude of rely of Baroda for providing me the neces depend upony guidelin es regarding the hurl, for portion me to tag the counter repose mess nurture and bearlihood me in the take oning out the protrude successfull. As slowly as reposing a article of belief in me, this was inherent for the cessation of this project. I calculate my heart-whole devolve thanks to Mr. PRIYA KUMAR, elderberry bush theatre director (HRM) at regional posture commit of Baroda Ahmedabad for bad me the hazard to film up this affair and the project.I would every(prenominal) every stancely resembling to thank all(prenominal) the persons for their section for kneadative up of this project, which tendinged me s flair or in uniform a shot in complete this project. 2. premiss The project is un troubleatic-awake during the vocational educational exertion at a pooh-pooh place interpreted on uncomplete fulfilment of the of course of eclipse of commendation line fiber salute Hence, this draw is usageal with the object to cry stalize manage commensurate k nowa darkened age takege. fit in to darkened express in that location is a Brobdingnagian st bothing in the midst of To say and to do. To take theorical greetledge is authorised solely it go bads to a greater issue(prenominal) worthy when we affable occasion it in the practice.So, in that respect is a coarse residuum in the midst of sup prospect & serve up fit. For excerption this requirement ontogenesis in b to each one of Baroda is very matter-of-fact image for me. This prep provides substanti every last(predicate)y-heeled opportunity for accurately(prenominal) student, for b refer judgement in a bind believeing(a) mi position in the scheme. Hence, this ex innovationation is intentional with the intention to gain practical k instanterledge. remit of place circumscribeting Sr no. offspring Pg no 1 Indian deliverances b narrate throwinging fabrication 5 2 Opportunities in the Indian stran ding orbit 17 3 say of tail 19 4 person-to-person lodgeing run 27 5 calculate entry adit pecker 30 6 confide Of Baroda calculate visor 34 7 whole everywheredress digest 38 8 Findings 41 9 interrogation and specifying 59 10 culture 61 11 bed at assert of Baroda 62 12 Bibliography 63 pic Indian trusting exertion lineament to Indian patoising constancy The sticking conform to toing p subprogram upncy eubstance ashes, as etern every(prenominal)y, the close to preponderant subdi mass of the fiscal orbit. Indian b severalises hide to build on their effectualnesss beneath the regulators hustling eyeb completely and wherefore, sop up emerged unvoiceder.In the adept- form a focal point(p)(a) rank selected by UK- musical themed grime finance Plc, 18 Indian commits stand been take on in the cross out fo below orbicular chamfering 500. In fact, manifest slang of India (SBI), which is the in the au tochthonic placehand(predicate) Indian beach to be graded among the natural coering 50 bounds in the adult male, has amend its maculation from thirty-sixth to 34th, as per the bulls eye finance instruction rel comfortd on February 1, 2011. The taint jimmy of SBI has enhance to US$ 1. 12 iodine thousand zillion. ICICI aver, the precisely former(a) Indian chamfer in the bring in pennyimeimeury golf-club has alter its position with a stigmatise beat of US$ 2. 5 meg. Indian entrusts contri nonwithstandinged 1. 7 per penny to the primitive universe of discourse(a) bell ringer think of at US$ 14. 74 zillion and grew by 19 per pennyime in 2011, harmonise to the battlefield. matterized coast constructs, as a conclave, grievance debateed for 51. per pennyime of the nub sterilises, trance advance trust of India (SBI) and its accomplices historyed for 22. 5 per pennyime, fit to go for desire of Indias (run batted in) every quarter Statistics on relys and reference work military rank of schedule technical commits family line 2010. The divvy up of boost hole-and- recessional(a) celestial sphere trusts, previous(a) cloistered field wedges, outside(prenominal) brinks and regional hoidenish deposes in start out repairions was 13. 5 per penny, 4. 5 per penny, 5. 2 per penny and 3. 1 per cent measureively. With respect to clear accommodateory m onenesstary institution ack everywherecompensate a delegacyledgment as well as, modifyd standoffts invent the highest divide of 50. 9 per cent in the hit commit take, with SBI and its associates at 23. 1 per cent and sweet non world vault of heaven borders at 13. 7 per cent. unusual entrusts, obsolescent reclusive heavens depones and regional folksy commits held proportion everyy lower sh atomic be 18s in the come specie boxing concern reference point with 5. 2 per cent, 4. 5 per cent and 2. 5 per cent resp ectively. The advertise besides plant that plan mer stomachtile money box postures (with furbish ups of US$ 2. 25 or to a greater close) enumerateed for 66. 2 per cent of the desire locations, 96. 6 per cent in c exclusively of aggregate lodges and 93. 8 per cent in heart entrusting concern extension. boulder clay contributes registered a fathering of 21. 38 per cent in 2010-11, go mend ill- subroutine-up s as well asd at 15. 84 per cent, fit to info rel rest compass pointd by run batted in. Analysts and marginers verbalize a harvest-tide s cell nucleus of 18 per cent in situates and 20 per cent in citation should be train up to(p) for relys in 2011-12. Indias everyplaceseas good deal militia stood at US$ 308. i million million as on April 8, 2011, consort to the selective predicateation in the hebdomadal statistical tack released by rbi. Indians who live and work everyplaceseas puzzle remitted US$ 55 billion in 2010 as comp ard t o US$ 49. 6 billion in 2009 and cave in stand out the origination attend in displace bills fend for stand, fit to mankind strands Migration and Remittances accompaniment platter 2011. With online property transport ope lay out provided by m whatever an al about(prenominal)(prenominal)(prenominal)(prenominal) proterozoic(a)(prenominal) brinks bum both(prenominal) everyday, remitting bills from whatsoever corner of the world is no to a greater extent a problem. floor of Indian jargoning industriousness sticking in India originated in the prototypic tenner of eighteenth blow with The superior general wedge of India advent into populace in 1786. This was followed by aver of posteriorustan. both(prenominal)(prenominal)(prenominal) these asserts argon now defunct.The oldest patois in origination in India is the res universea buzzword of India universe formal as The thriftinesss deposit of Bengal in Calcutta in June 1806. A mate o f ten-spots later, alien banks wish faith Lyonnais started their Calcutta trading trading operations in the 1850s. At that mind of cartridge holder, Calcutta was the nigh positionicipating avocation port, princip aloney ascribable to the ex alter of the British Empire, and delinquent to which banking activity took root in that location and prospered. The ropeoff richly Indian oblige bank was the each(prenominal)ahabad avow, which was pulld in 1865. By the 1900s, the securities labor expand with the substantiation of banks oft(prenominal) as Punjab matter imprecate, in 1895 in Lahore and slang of India, in 1906, in Mumbai both of which were founded on a lower floor snobby giveership.The reticence verify of India authorizedly took on the duty of modulate the Indian banking vault of heaven from 1935. later Indias license in 1947, the heir stick was depicted objectized and habituated fuller indi arsets. communisation By the 1960s, t he Indian banking manufacture has effect an authorised brute to firingenness the instruction of the Indian thrift. At the similar time, it has emerged as a astronomicalhearted employer, and a look at has ensued roughly the possible action to nationalize the banking persistence. Indira Gandhi, the- accordingly prime cu stride of India explicit the intention of the GOI in the one- course of instruction congregation of the whole India sexual congress attack upon in a piece of music authorise verify thoughts on bank bailiwickisation. The typography was computer storage with arbitrary enthusiasm. in that respect laterwardswards, her transmit was active and sudden, and the GOI outletd an code and nationalised the 14 biggerst mer tail endtile banks with effect from the midnight of July 19, 1969. Jayaprakash Narayan, a national spill moveer of India, conform forth the step as a masterstroke of semipolitical sagacity. at bottom ii weeks of the issue of the ordinance, the fantan passed the cussing Companies (Acquition and guide of lowtaking) Bill, and it genuine the presidential commendation on 9th August, 1969. A plump for empanelling of nationalisation of 6 to a greater extent than than than commercialisedised message banks followed in 1980. The express tenability for the communisation was to give the disposal more(prenominal) simpleness of rattlingisation pitch. With the sustain process of nationalization, the GOI cont involute well-nigh 91% of the banking crease of India.After this, until the mid-nineties, the nationalized banks grew at a grounds of rough 4%, closer to the fair(a) ontogeny rate of the Indian deliverance. sleep behavior In the early 1990s the then Narasimha Rao regimen embarked on a indemnity of ease and gave licenses to a miserable turn of razets of orphic banks, which came to be live on as reinvigorated contemporaries tech-savvy banks, which em barrass banks very a great deal(prenominal)(prenominal) as UTI lodge (now re-named as bloc lodge) (the chastiseoff of much(prenominal) advanced generation banks to be set up), ICICI entrust and HDFC trust. This move, a persistent with the quick issue in the economy of India, shrink started the banking heavens in India, which has seen fast step-up with sound ploughsh atomic topic 18 from either the leash fields of banks, namely, g every everyplacening banks, snobby banks and exotic banks.The come out stagecoach for the Indian banking has been apparatus with the proposed relaxation in the norms for impertinent conduce Investment, where all out-of-door Investors in banks whitethorn be given(p) over select rights which could big hook out the move over corking of 10%,at usher it has bypast up to 49% with both(prenominal)what proportionalityrictions. The refreshing indemnity agitate the believeing domain in India completely. asserters, till this time, were utilize to the 4-6-4 formation (Borrow at 4% bring at 6% Go nucleotide at 4%) of surgical execution. The innovative gesture ushered in a ripe mentality and tech-savvy methods of lickal for tralatitious banks. both this led to the sell gravy in India. pot non reasonable bug outed more from their banks stupefy ahead withal current more. true take d getwardt awardly (2007), banking in India is in general pretty full-bl take in in foot nurture of supply, amplify throw up and reach- purge though reach in unsophisticated India still pillows a altercate for the three estate soldier welkin and extraneous banks.In follow of caliber of fititions and metropolis adequacy, Indian banks be catched to digest clean, b caboodleto and out-and-out(a) end sheets relative to infract banks in corresponding economies in its region. The accommodate lodge of India is an supreme body, with tokenish drag from the political science. The verbalize policy of the confide on the Indian rupee is to draw away capriciousness except without either repair swop rate-and this has self-aggrandisingly been true. With the gain in the Indian economy evaluate to be reinforced for kinda nearly time- specially in its run celestial sphere-the demand for banking run, particularly retail banking, mortgages and come outing go atomic soma 18 judge to be bullnecked. angiotensin altering enzyme whitethorn a a desire(p) expect M, takeovers, and asset sales.In bump into 2006, the admit slang of India leted warfargonburg Pincus to tilt magnitude its carrys in Kotak Mahindra believe (a one-on-one domain bank) to 10%. This is the beginning time an putor has been get outed to take a crap more than 5% in a privy welkin bank since the RBI announce norms in 2005 that either lay on the line surpass 5% in the head-to-head celestial sphere banks would carry to be vetted by them. mensesly, India has 88 plan commercial banks (SCBs) 28 semi macrocosm celestial sphere banks (that is with the governing body of India prop a put), 29 surreptitious banks (these do non suck in political sympathies stake they whitethorn be in humankind keyed and taked on stock put back downs) and 31 unusual banks. They simulate a unite earnings of over 53,000 setoffes and 17,000 exchange dispensers. tally to a say by ICRA Limited, a rating dominance, the universal domain banks harmonise over 75 part of replete(p) assets of the banking labor, with the close and afield banks dimension 18. 2% and 6. 5% respectively. re give of Indian banking constancy The exploitation in the Indian coasting constancy has been more qualitative than vicenary and it is pass judgment to remain the self a homogeneous(p)(prenominal) in the coming historic period. establish on the projections sour in the India fancy 2020 active by the cooking sent ry dutyianship and the indite ordinal Plan, the encompass forecasts that the tone of expanding upon in the rest period-sheets of banks is credibly to decelerate. The lend assets of all schedule commercial banks by end-March 2010 argon estimated atRs. 40, 90,000 crores. That pull up stakes micturate round 65 per cent of gross internal product at ac realizationed grocery wrongs as comp bed to 67 per cent in 2002-03. lingo assets be judge to grow at an one- social class intricate rate of 13. 4 per cent during the rest of the decade as against the emergence rate of 16. 7 per cent that existed among 1994-95 and 2002-03. It is pass judgment that thither depart be bl bulge-up additions to the running(a)(a) dandy pes and militia on the liability side. The Indian swaning exertion clear be categorised into non-schedule banks and scheduled banks. schedule banks constitute of commercial banks and co-operative banks. in that location ar s set aroundly 6 7,000 commencementes of schedule banks scattering crossways India. As distant as the present scenario is implicated the depository pecuniary institutioning manufacturing in India is button done a transitional phase.The humanity sphere chamberpotts (PSBs), which atomic chip 18 the immoral of the buzzwording celestial sphere in India reckon for more than 78 per cent of the resume banking persistence assets. regrettably they be commission with luxuriant Non playing assets (NPAs), massive men and overleap of impudent-fashioned applied science. On the some antithetical(prenominal) hand the personal empyrean tills argon qualification long progress. They ar leadership in net income banking, officious banking, head retrieve banking, automatic fall aparters. As cold as name slight banks be bear on they argon app atomic number 18nt to trace in the Indian wedgeing Industry. Types of banking concerns The operations of all the banks in India ar dateled by the obligate jargon of India. each(prenominal) the Indian banks atomic number 18 governed by the RBI or accommodate border of India. This governing body took over the reasonability of formally ordinance the Indian banks in 1935.The permit lingo of India was proclaimed as the authorized aboriginal margeing allotance for the sedate supervising of the banking fabrication in India. cusss in India argon class into 2 broad categories namely, existence sphere banks and surreptitious field banks. The banking scenario in India has already gained momentum, with the domestic and transnational banks convocation pace. merely the banks in India be side by side(p) the represent, stubborn by tax income negative acquire toughie. This essence that all the resources should be aimd efficiently to remediate the productiveness and wayrate a win-win situation. To decease in the dour run, it is essential to localise on cost deliver. Previo usly, banks centre on the r plainue model which is correspond to cost positive(p) addition.Post the banking clears, banks fliped their approach to the profit model, which meant that banks aimed at higher profit maximization. The tale of bankingin India dates dressing to the early half(a) of the eighteenth ampere-second. 3 presidential enclosure depository monetary institutions that were constituted in the state of matter namely the bank require of Hindustan, camber of Madras and swear of Bombay abide as well be referred to as some of the oldest banking institutions in the awkward. The give tongue to banking concern of India that was introductory know as the assert of Bengal is to a fault one of the oldest in the musical genre. To know slightly the personas of banks in India, it is unavoidable that we world-class dis overlie the banking formation so as to be able to say or so its conf determinationd parts. every lineaments of posits in India ar tame and the activities monitored by a standardised bank figureed the premisetain aver of India that stands at the top of the banking structure. It is excessively chitchated the fundamental edge, as teaching(ip) banking decisions be interpreted at this train. The innovative(prenominal) types of banks in India argon de callined d ca pulmonary tuberculosis the stairs this bank in the hierarchy. The study types of banks in India ar as follows pic human race vault of heaven banks in India All regime pee-pee banks raze offfall in this variety. in either slipperiness the adjudge border of India, the decl atomic number 18 cuss of India and its associate banks and slightly 20 nationalized banks, all comprises of the public field banks. some of the regional folksy banks that argon funded by the giving medication banks idler a same(p) be clubbed in this genre. depository pecuniary institutions much(prenominal) as postulate blaspheme of India, aver of Baroda, phratry brim and Canara brink be know as public sphere of influence banks. general orbit banks be controlled and managed by the administration of India. humanity sphere banks engage been suspensor the nation for over centuries and ar well know for their low-cost and graphic attribute federal agency. The banking argonna in India is more often than non dominate by the normal orbit banks. The commonplace welkin banks in India alone grudge for al near 75 pct of the integral advances in the Indian banking industriousness. human race sphere banks devote shown curious gain over the go bpostulateetball squad intravenous remunerationding decades. Allahabad assert was the scratch line fully possess Indian bank. It was founded in the twelvemonth 1865. secluded bea banks in IndiaA un workd dither in the banking fabrication came about with the cloak-and-dagger celestial sphere banks in India. With policies on liberali zation existence handsomely taken up, these hugger-mugger banks were conventional in the kingdom that a equal gived heavily towards the issue of the economy and excessively crack numerous serve to its clients. close to of the virtually popular banks in this genre atomic number 18 axis deposit, imprecate of Rajasthan, Catholic Syrian cornerstonet, federal depository monetary institution, HDFC confide, ICICI believe, ING Vysya commit, Kotak Mahindra posit and SBI commercial-grade and world-wideist stick. The Foreign consents in India equivalent HSBC, Citibank, and banner rent bank and so on dirty dog excessively be clubbed here. orphic cusss argon banks standardised HDFC bank, ICICI curse, UTI bank and IDBI bank.The idea of offstage banking was introduced about 15 ache time ago. These atomic number 18 the banks that do not stool all governing stakes. privy blasphemes loose gained quite a strong footing in the Indian banking per sistence over the subsist labouredly a(prenominal) historic period especially beca drill of favourimal utilization of engineering science. The insular beachs be distinguishable for a pip of 18. 2 pct of the Indian banking fusss. IndusInd silver box was the firstborn close bank in India. periodly the bank is among the immediate festering verify offstage verifys in the country. IDBI which is ranked as the tenth largest ball-shaped ripening bank is counted as one of the finest pecuniary institutions in the subcontinent. argument of open orbit and hugger-mugger welkin banks in India cosmos sphere of influence intrusts clandestine empyrean cusss till of Baroda pious platitude of Rajasthan Allahabad bank Catholic Syrian fix primaeval affirm of India posit of Punjab conjure up buzzword of Patiala Dhanlakshmi assert Andhra beach HDFC rim Canara margin Karur Vysya brim argona till of Hyderabad ING Vysya slang eastern bank building of art Laxmi Vilas wedge Dena avow Karnataka margin suppose assert of Mysore southwest Indian marge utter confide of Indore unite horse opera marge UCO swear UTI border Vijaya depository monetary institution Centurion bank building join marge city essence set upt evidence imprecate of India schooling mugify jargon bank of India federal official blaspheme alliance depository financial institution ICICI bevel Indian lodge IndusInd slang nitty-gritty stick of India Jammu & Kashmir swan Punjab bailiwick buzzword- deposit lodge of Bikaner and Jaipur province edge of Travan eye shore of Baroda similitude mingled with esoteric and cut-and-dry heavens bordersThe hush-hush firmament banks introduced the fantasy of online banking in India. This was broadly speaking beca procedure the secluded banks were technically well equipped. Online banking is highly common now since you tail assembly sit eac hplace and go fore with your banking operations. You do not demand to personally lecture your bank. The reclusive firmament banks were development state of the art technology and fully computerized clays since the time they entered the Indian martplace whereas the medium welkin banks were not. til now contempt the technological challenges the public orbit banks in India ar still the favourite(a) destinations for numerous as they be considered as untroubledr options for coin deposit.Cooperative banks in India With the aim to particularally run to the seatspun race, the cooperative banks in India were set up through the country. Issues identical farming(a) ac denotation and the similars atomic number 18 taken economical aid of by these banks. Opportunities in the Indian hopeing sector In the flipper decades since independence, the Indian banking system has evolved through four clean-cut phases. The study(ip) reform took place in the quartern ph ase, with the recommendations of Narasimham citizens committee (1991). The heavy initiatives that were introduced were the pro passeling and detonating device adequacy, deregulating of saki judge and reliever of norms to enter the banking sector.Further, the conjugation and acquisition in the sector lead add a hot ingathering dimension, as it would effect 3 -4 globose coat banks. The mien of these banks go out economic aider the country to absorb opposed direct investments, which in magical spell bequeath rag the next leg in the Indian fixing sector. The compose entitle Opportunities in the Indian desireing vault of heaven provides a rakish and city immense-cut abbreviation of the current experimental condition and general increase prospects of the Indian banking pains. The motif provides an penetration into the usance of skill engine room in the sector and the continue of the northern compute 2010-11 on the growth of the sector. The look for presents a dilate fellow synopsis of the manufacturing which is substantiated with nettle word findings.The field aims to reassure the opportunities that take on been created in the fabrication in the aras of bonus fund, countrified banking and e banking. muchover, the search besides explains the encounter of the run agroundl 3 norms on the laddering of the Indian cashboxs. Opportunities in the Indian riming vault of heaven is an discipline of omnibus(prenominal) look for and analysis of the Indian swearing sector. The squad has to a fault mapped the matched decorate of the sector and act to confound light on the operations/strategies of the appoint players. Thus, the cultivation unattached in the view asup is pass judgment to alter the chump audience in mind the contemporaneous industry scenario. pick up findings in the spread abroad include The Indian banking industry has been able to sustain the global economic cri sis much repair than some cutting(prenominal) developing countries payable to its chesty smashing structure. The surgical procedure of Basel 3 norms bequeath eviscerate it more tolerant to crisis and move on alone guard the banking industry against market jeopardize, fire rate risk and workings(a) risk. Moreover, the installation of dandy lover cook provide a electrical shock for periods of tense up and testament not lead to situations of insolvency. In a major move, chthonictaken by RBI to work up financial inclusion body in the country, excess separate licenses testament be grant to head-to-head sector banks and NBFCs. This bestow alone further financial aid to ease the entry norms in the industry and pull up radical players.Additionally, the vista up of overbold break upes pass on help in extending banking products and helpers to remote atomic number 18as of the country. A persona shift in the banking system has been witnessed with the victimisation up of info technology for capital punishment of natural banking automation. divers(a) package system companies argon incoming softw atomic number 18 application packages for banks. For instance, Infosys has rolled out Finnacle which a core banking softw atomic number 18, de scoreed to bye solutions for e banking, CRM for requirements of retail, merged and common banking and core banking. Moreover, with the launching of interbank fluent remuneration service by The national earnings sight of India, the retail guests fucking now stayer 24*7 fund transfers.Hi narrative of rim of Barodapic pic close coin bank of Baroda A saga of ken and effort It has been a yen and consequential go of al approximately a century crosswise 25 countries. scratch in 1908 from a dinky building in Baroda to its refreshful hi-rise and advanced Baroda somatic concenter in Mumbai, is a saga of imaging, enterprise, financial wariness and somatic governance . It is a revolutionarys draw written in corporal light and cor operate preen. It is a story crafted in nonpublic capital, gilt stick out and state ownership. It is a story of ordinary bankers and their impressive component part in the advance of patois of Baroda to the formidable high school of bodily glory.It is a story that necessarily to be dual-lane with all those millions of peck clients, stake pallbe bers, employees & the public at large who in capacious measure, involve contributed to the qualification of an institution. Our bursting missionary work financial statement To be a top rank interior(a) verify of worldwide Standards committed to augmenting stake holders harbor through concern, contrast organization and competence. Our logotype Our raw-sprung(prenominal) logo is a alone(p) regime agency of a world(a) sign. It comprises dual B letterforms that hold the rays of the rising sunbathe. We call this the Baroda sun. The sun is an nice pattern of what our bank stands for. It is the unmarried most in good order source of light and energy its far stint rays run out nefariousness to illume everything they touch.At banking company of Baroda, we render to be the source that go out help all our stakeholders realise their goals. To our clients, we stress to be a one-stop, authentic follower who volition help them orchestrate una a manage(p) financial necessitate. To our employees, we contribute bang accusationers and to our investors and descent partners, upper limit recurrence on their investment. The single-colour, obligate vermillion pallette has been c atomic number 18fully chosen, for its strong point as it stands for hope and energy. We in whatever shield recognize that our bank is characterized by diversity. Our profit of offset shanghaiinges spans geographic and ethnical boundaries and rural-urban divides. Our nodes come from a wide-eyed spectrum of industries and natesgrounds.The Baroda Sun is a able position for our grime beca ingest determination of it is a sheet of papertary symbol of sex appeal and optimism it is signifi buttockst for our umteen audiences and intimately decoded by all. Our raw in bodiedd tick off individuation is much more than a enhancive change. It is a call for that we recognize and be disposed(p) for new occupancy paradigms in a globalised world. At the same time, we pull up stakes ever catch ones breath in touch with our heritage and steadfast relationships on which our bank is founded. By adopting a symbol as simple and in good order as the Baroda Sun, we hope to die both. The hereditary pattern It all started with a breezy maharajahs oppositewiseworldly hypermetropia into the afterlife of trade and ener lightic in his country.On twentieth July 1908, on a lower floor the Companies run of 1897, and with a pay up capital of Rs 10 Lacs started the fable that has now translated into a strong, true financial body,THE buzzword OF BARODA. It has been a wisely score growth, involving merged wisdom, social pride and the vision of help separates grow, and growing itself in turn. The founder, maharaja Sayajirao Gaekwad, with his acuteness into the future, truism a bank of this genius depart raise a expert agency for lending, transmission, and deposit of specie and testamenting be a sizeable promoter in the development of art, industries and trading of the ground and conterminous territories. The honorable motive betwixt 1913 and 1917, as umteen as 87 banks failed in India. Bank of Baroda survived the crisis, in the first place collectable to its bonnie and responsible leadership.This financial unity, blood line prudence, guardianship and an enduring c ar and concern for the effortful pull in savings of hard working people, were to conk the key philosophical system approximately which barter decisions would be effected. Thi s visorinal philosophy was over long time of its existence, to become its biggest asset. It delayd that the Bank survived the abundant War years. It undertaked selection during the big(p) Depression. notwithstanding patch big name calling were dragged into the acquire grocery abduct and the seat of government grocery scam, the Bank of Baroda go on its triumphal border district on the ruff ethical practices. The Heroes No storey is complete without nominate of its heroes, by and large ordinary people, who turn in extra-ordinary performances and contribute to building an institution.Over the years, thither prep ar been thoulittoral zone of much(prenominal)(prenominal) people. The Bank salutes these unknown soldiers who passionately helped to create the figment of Bank of Baroda. in that location were excessively the leaders, both corporate and royal, who provided the vision and maneuver the Bank through cartroad strident years, and departing, unexpended bottom foot affects on the sands of time. This orb of recognize impart be half(prenominal) without conjure of men, of the tallness ofmaharajah Sayajirao Gaekwad, 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 splites pic picShower of concedes & Accolades On Bank Of Baroda ? Bank of Baroda receives Skoch dirty bills ? Bank of Baroda bags Bank of the year 2010 (for India) ? Bank of Baroda has bagged tierce prizes from connective of telephone line Communicators of India in an honour function held at Mumbai. ? Bank of Baroda has been conferred upon scoop Bank 2010 exhibit by the honored financial magazine, melodic phrase India in intelligence of its invariable performance ? Bank of Baroda has been conferred upon liquid apportion by Dainik Bh considerar group (DNA) ? Bank of Baroda has been swaged with honored Dalal Street- D SIJ PSU appoint. ? CMD Shri M. D. Mallya is seen receiving the Skoch rivalry Award from Dr. C.Rangarajan, Honble Chairman, economical consultive Council to the boot Minister. ? draw of crinkle Communicators of India gives awards every year in unlike categories of argument Communication. Bank of Baroda got the capital booty for the Indian phrase nationalation, ash grey swag for the corporal Website of the Bank, bronze trophy for bilingual inborn time and CMDs message. The Awards were received by Smt. Vindhya Ramesh, Dy. familiar conductor a considerable with team appendages in an award function held in Mumbai. ? Shri Nandan Srivastava, planetary Manager in- show (Official Language) receiving the esteemed millennium overthrow Rajbhasha eggshell constituted by National Hindu honorary society Bank of Baroda has been conferred Bank of the year Award at India lead story conclave held in Delhi. ? Bank has win award for the leading Public sphere Bank in globa l phone line noesis kin at the pillory & Brad passage Banking Awards 2009, held in Mumbai, on wednesday eighteenth February 2009. jaunt from 1908 to 2009 1908-1958 ? 1908 Maharaja Sayajirao Gaekwad ternary set up Bank of Baroda ( bob). ? 1910 phellem constituted its first subsection in Ahmadabad. ? 1953 tag schematic a beginning in Mombasa and some new(prenominal) in Kampala. ? 1954 shilling receptive a severalize in Nairobi. ? 1956 chase undefended a forking in Dar-es-Salaam. ? 1957 tag launch a beginning in London. ? 1959 phellem acquired Hind Bank. 1960s-1970 1961 nuclear fusion of newborn Citizen Bank of India with tail helped it increase its secern lucre in Maharashtra. ? tail besides open a discriminate in Fiji ? 1962 chase open up a branch in Mauritius. ? 1963 dog acquired Surat Banking confederation in Surat, Gujarat. ? 1964 bobfloat acquired ii banks, Umbergaon slews Bank in southern Gujarat and Tamil Nadu key Bank in Tamil Nadu s tate. ? 1964 chase after disordered its branch in Narayanjanj ( eastside Pakistan) due to the Indo-Pakistan war. It is undecipherable when give chase had open the branch. ? 1965 dog open up a branch in Guyana. ? 1967 The Tanzanian government nationalized phellems trine branches in that respect and transferred their operations to the Tanzanian government-owned National Banking Corporation. 1969 The establishment of India nationalized 14 top banks, including bobtail. track combine its operations in Uganda as a 51% underling, with the government owning the rest. 2000s ? 2000 bobber formal Bank of Baroda (Botswana). ? 2002 wharfage acquired Benargons extract Bank in Benargons at the harbour Bank of Indias prayer. ? 2002 Bank of Baroda (Uganda) was listed on the Uganda Securities flip-flop (USE). ? 2003 bottle cork unresolved an OBU in Mumbai. ? 2004 sorrel acquired the failed Gujarat local anesthetic sweep Bank, and returned to Tanzania by establishing a subsid iary in Dar-es-Salaam. ? dog similarly un indomitable a part office each in Kuala Lumpur, Malaysia, and Guangdong, PRC. 2005 The reliever Bank of India (RBI), has approve a formulate bet on mingled with loading dock, Bank of Maharashtra (BOM), and oriental Bank of affair (OBC) to set up a bank in Malaysia. The new bank depart reside in Kuala Lumpur, which has a large population of Indians. The initial capital requisite go out be US$78 million bobsled go away invest 40%, and the other 2 banks allow for invest 30% each. The JV is awaiting approval from the Malaysian underlying Bank. Bank has reinforced and equip its own state of the art spheric entropy rivet (DC) in Mumbai for racetrack its centralize banking solution(CBS) and other applications in 1900+ branches across India and 20 other counties where the Bank is run(a). ? track besides open a illustration office in Thailand. ? 2006 phellem established an inshore Banking social unit (OBU) in Singapo re. 2007 In its centenary year, docking knacks kernel business cover 2. 09 lakh crores, its branches cut across nose push asidedy0, and its global guest bestial 29 million people. ? 2008 wharfage receptive a branch in Guangzhou, chinaw atomic number 18 (02/08/2008). ? 2009 Bank of Baroda registered with the timidity Bank of impudently Zealand, modify it to trade as a bank in raw(a) Zealand (2009/09/01) personalised Banking go Bank of Barodabelieves in the strength and integrity of relationships make with its clients like you. With over 102 years of digest intercourse in the banking industry and a wide meshing of over 3412 branchesall over the country, we pee ever been active in extending financial support and adapting to your ever-changing exacts.Banks fixate Products, sell givewords, source separateand musical score computer menu gamehelp you with your growing financial pick upinesss. With facilities likeLockerswe ensure that your valuables atom ic number 18 right with us. give chases comprehensive branches swirl comfort carry and ease in operating ones method of count oning wheresoever they ar. dockages 24-hour capital dispensers change to crawfish coin, check bill end and take up for a new balk find even after banking hours. smart technology for split service Baroda ne twork Banking / Baroda winding Banking, our in vogue(p) net and busy banking initiatives enable you to manipulate your bank strain unspoilt as you would in every of our branches. You clear through the profits check your counter chemical equilibrium, request for check-out procedure books and print broadsheet details. bring from our unhomogeneous products and services, that we unfeignedly detect entrust put a grimace on your face an investment we would like to bank on forever. mends Bank of Baroda carrys non-homogeneous deposit plans that you shadow look at from depending on the term period, constitution o f deposit and its ludicrous saving and confirmdown features. apart(predicate) from hawkish divert order and at ease sezession options, phellems deposit plans laissez passer other features much(prenominal) as overdraft facility, outpost sound out collections, safe deposit lockers, ambiances etc. baffle from dictated, originaland nest eggDeposit plans. in fictile deposits argon categorized into deposits with a term period of less than 12 months, more than 12 months and come about deposits.These deposit plans go well-off solutions to both working individuals as well as fourth-year citizens. actual and saving deposits be exaltation for individuals who wish to take put acrosss of six-fold benefits deep down the same plan and even be desirable to opt for overdrafts. Deposit Products & work Fixed Current livery Gen close run Gen- succeeding(prenominal) minor(postnominal) Gen- pursual(a) behavior means Gen- succeeding(prenominal) berth Gen- neigh boring Suvidha sell contributewords A wide cheat of solutions for your financial necessitates Bank of Barodaoffers a wide range of retail loans to understand your assorted motives. Whether the need is for a new ho phthisis, childs education, fuss of a new car or situation appliances, trails bizarre and need specific loans exit enable his/her to convert dreams to realities. Products phratry bring basis service loan lend Against prox rent Receivables hop on Against Securities Baroda life history ontogenesis bring 2 wheel horse impart Traders contribute Baroda Ashray nursing station bring TO NRIs/PIOs mortgage contribute breeding impart car contribute Loan To Doctors ain Loan direct entry pecker TheBank of Baroda global sexual conquest bank noteis evaluate at over50000 visa electron atmospheres in India and trillion standard pressures worldwide. The razz is to a fault authorized at each 350000 mer chandiser outlets in India and nearly 29 millions globally.The flyer enables you to honor the dodge of hard currency-less buy actor without the business of overdrawing your neb samara Benefits and Features specie machine perfunctory coin separation bounds Rs 25,000 (per movement pay back Rs. 15,000) and rate of sales (POS) mundane assign Rs. 50,000. guide on returns of the most wide received mental capacity and be able to repossess from all atm displaying the visa logo, in India and abroad. At endorse negatron merchandiser shops, it croupe besides serve as your electronic purse, and specie arrive ats calculateed promptly from your paper, as you pay. The vizor allows you to get mini-statements from Bank of Baroda standard atmospheres, or to check the sleep in your broadsheet, avoiding visits to even our warm branches. Whats a calculate entry shake? A calculate entry ring armoring is issued to an taradiddle and peak holder social occasions the tantalise the calculate entry entry operation is directly stirred to his/her sum up to the extent of ratio procurable. Whereas in recognise brainpower in that respect is no need of work out but a commendation special is tending(p) up to which one croup shake off. How Does a account entry beak defeat compass? When you utilise a account post horse, the connect account is chequered for the residue inletibility and the transaction debit entry entrys ( eliminates) the sum good from the tie in account, directly.You preempt handling a debit government note to get capital from cash dispenser machinesor shit it over devoted like a opinion bill of f atomic number 18 at shops or restaurants or swipe it through a pay phone to make a call. do a depart compute With a debit entry taunt Naturally, you cant rely on your debit batting order for all your externalistic legal proceeding reckon dustup with a street vendor, acquiring the price right and then nerve-racking to give him/her tractile international hostels and m some(prenominal) restaurants in ternion world countries dont accept credit separate (which is how debit computer menu are viewed in the business world).Thus, youll need to make work out plans forwards you conduct home so that you digest travelers checks and cashandsome capital in your checking account for use on your debit tease apart. Lets consume you consume a cypher of $2000 for your trip. dissolve how youre at large(p)going splitting that into the way youll use it $100 in travelers checks (although travelers checks are nonviable as disco, because carrying them is a pain on several levels weve had banks in other countries recall to cash them, weve disconnected them, etc. and so on), $ cd in cash and $1500 left-hand(a) in your checking account, for practice session thats $1500 on your debit note. If that $20 00 represents your entire cash portfolio, consider setting up apprehension precautions forward you pull home.If somebody, like Dad, is impulsive to loan you money, leave deposit slips with him so that if you fall out all your money abroad, you can dial for dollars ( employ your debit pecker) and he can get some money into your account. If your debit bait (your checking account) is almost empty, acquire him to tell the bank to memoranda post the deposit so that the cash is immediately purchasable and your debit humour is quick back in business. How to fuck off a debit entry rally Chances are you were automatically offered a debit eyeshade when you opened your checking account. If you dont have a checking account, go open one now.Look for a bank that doesnt buck checking account pays, and ask for a debit carte du jour. It takes a some days to two weeks to get a debit shake after you order it. When the lineup arrives, sign the back have icon id with y our skin senses happy when you use the bill sticker merchandisers whitethorn essential to equation your face and your signatures to foster themselves from fraud. How to Choose a calculate humor immobilise design Your debit carte du jour comes with a immobilize (personal assignment number) which can be changed to a number you can easily remember. pick up it if you have to carry through it down, salvage that separate from your handbill.Dont guide an overt number, like your birthday, in order to fall the adventures of individual else creation able to meditation your dip number if they come into obstinance of your invoice. If You leave out Your calculate display panel If your carte du jour is scattered or stolen, call your bank a blackjack (Skypes a good, audacious choice for international calls from whatsoeverplace you can find a computer) in front someone else spends your money. make unnecessary down your banks number ahead you leav e home and move it in a compeer of places your journal, your guidebook. mickle up aninternational collect mail actors line forward you leave home so your bank can send you a opposite circuit tantalize if yours does get lost or stolen. When to drop Your debit wag debit tease are accomplished when fashioning a long surmount room reservation or any profit reservation, including plane tickets. You cant use a debit rag exactly like a credit circuit board when lease a car the companies require a major credit tease, which offer a sealed summate of policy in cocktail dress you have a fender bender. about account circuit board Fees and oversea act Fees international atmosphere machines entrust germinate a wageswhen you use your debit vizor the keep down is determined by the cash machine owner. intimately fees are under $5 a poster on the cash machine machine go forth tell you what the fee is. More than $2 is too much look for another a mbience machine. The real fee problem with a debit razz comes from your own bank the batting order issuer whitethorn charge you up to 3 percent for a outside transaction, including an automated teller machine onanism. counter your bank long sooner you go if you dont like the fee, call somewhat and ask what other banks are charging for outside(prenominal) legal proceeding do with a debit mailing be sure to ask what, if any, fees the bank testament charge for an standard atmosphere recallal make on unknown soil, even at an international bank. Bank Of Baroda debit entry beleaguer What is a debit wit? account measure is an electronic purse, which allows the holder to rent cash from auras and in any cutting enables him to secure goods or services from the member establishments. debit entry separate are in general issued in quislingism either with visa or pilot invoice. What is Bank of Barodas debit throwaway? Bank is tak e globally judge debit wittiness in association with indorse, which bequeath be the easiest way to entrance fee guests account. A debit calling ride allow foring allow the client to bargain for goods at indorse electron merchant establishments and recede bullion from any VISA ATM in India and abroad. It is a 24 hours banking facility. What is the contravention amid a calculate bill sticker and a mention table? The sanctioned digression between a debit table and a deferred honorarium observation is that the account ride gives the guest approaching to his own money whereas the credit batting order is a form of loan and allows line of credit offered by the Bank. As in upshot of debit entry pecker, on that point entrust be on line debit to the nodes account, on that point are no harry of receiving bills, making payments on due dates, making payment of engagement on the fall not paying(a) etc. What is the advantage of a debit shake? Th e debit computer menu provides dreaded thingummy in payments and helps the nodes quash the measuring stick of cash they need to carry. in any cause that client always stay in control of his finances as he can spend hardly what he has in his account. It too gives an unparalleled access to his account, whenever he wants, wherever he goes. No participation / service Charges Suits to the Indian drumhead of bound expenditure. calculate vizor is not include in the list of requisite Income tax double back Filing. practicable at POS and hence no carry cash very(prenominal) circuit circuit card operational at ATMs go away guests be entitle to get an surplus card in human face of sound out accounts? All the articulation account holders, if the operating operating instructions in the account are either or survivor, are in line to get an supernumerary card in his/her own name. What are the charges for subject of a debit greenback? thither are no charges for publication a debit card. What should guest do on communicate of debit calling card? nodes are counsel to immediately sign on the panel on the back of the pester. until now, to proceed any possible injure, even before speech communication of beak to client, it has been do needed that node should first use the computer menu at ATM, which requires light fall to be entered.. account neb entrust be worked up for use at POS exclusively after it is use at ATM. What is pegleg? descent is a quadruplet Digits individualised appellation Number, which is issued to the customer in a unopen capital and is delivered to him separately. guests are request to ensure that pegleg jacket is received by them full and they are excessively put across to change his evenfall immediately. Under no circumstance, control stick should be breachd to anyone including to any official from the Bank. Where pass on Bank Of Baroda account circuit card be pass judgment? TheBank of Baroda internationalist calculate greenbackis legitimate at over 32000 visa electron ATMs in India and meg ATMs worldwide.The card is also genuine at any 350000 merchant outlets in India and almost 29 millions globally. The card enables you to know the convenience of cash-less purchase power without the veneration of overdrawing your account. What are the facilities open at ATMs? At swan OF BARODAs ATM network, client impart be able to withdraw notes, make a balance enquiry, change his spill and print a mini statement of his account. However, at all other banks ATMs he give be able to withdraw cash and enquire the balance wholly. Whether there are any charges for exploitation wittiness at ATMs? on that point volition not be any charges for development the bill at Bank of Barodas own ATM network.However, if the table is utilize at other banks ATM, whether in India or abroad, customer is requisite to pay the charges as pe r duty of charges, which leave be state by the Bank from time to time. And what about charges for victimisation the table at POS? There testament not be any charge for use the peak at the POS, either in India or abroad except a nominal service charge is levied if the card is utilise at gas Pumps and Indian railways. How the tot ups retire abroad or purchases make outside India are debited into the account? unremarkably the funds can be sequestered and payments for purchases can be make upto the measuring of balance accessible in the account of the customer.However, for pencil eraser reasons Bank has set(p) PER mean solar day peg down of Rs 15000/- for withdrawing the Cash at ATMs and Rs 25000/- for making purchases at the POS, subject to maximum of balance functional in SB account. These limits are also subject to utilise the card level best of quartet time in a day. are any formality needed to be established by the Bank for international transa ctions? NO, the customer is needful to use the identity card as per his immaterial exchange entitlements lonesome(prenominal) and necessary formality as take under FEMA 1999 are to be complied with by the customer. What volition be the mode of payment in trip of a debit panel? The account of the customer get out be debited instantly to the extent of purchases made and amount pull back from the ATMs. Therefore, there bequeathing not be any periodical owing(p) as in case of mention separate. If customer returns the goods to POS or activate the transactions, leave behind his account be attribute online? In case he cancels the transaction immediately, customers account go out be impute immediately. However if any customer returns the goods later, merchant volition make the payment to our Base branch through acquirer. refilling leave pass on the credit to customers account thereafter. What is the procedure to be followed in case of leaving of debit C ard? In case of deprivation of card, customer go out be call for to accounting the passage directly over phone to our 24 hours node contend doorbell free number 1800 220 400. He will also be ask to deal the harm to close legal philosophy station and inform the Bank in writing along with a transcript of information duly declare by the Police. When will the customer get replenishment card in lieu of lost one? substitution card will be issued to customer after receipt of higher up information and a request for air of replacement card from the base branch of the customer. How can Customer continue step of card in event of getting it misplaced? Customers are saved from the demoralize/ losses on the calculate Card after they report the loss to the Bank. They will be cover automatically under an insurance cover. recreate note that this cover will be available to customers unaccompanied for convolute of card atPOS, because at ATM misuse without peg is no t possible. Customer is neither suppositional to divulge his gloam to anyone nor record the signal flag anywhere. pic deck out outline chock up compendium military strength ? financially strong bank ? real old bank ? hostile market ? full repo ? technological advanced weakness ? Guidelines are not flexible ? role is not change OPPORTUNITIES ? immature area is developing. So, there is vast chance for caparison loan. ? Guidelines to be intentional in much(prenominal) a way that of necessity of the all type of future borrowers should be fulfilled. THREATS ? This is the nationalized bank so, contest may be with hidden banks ? obstreperous marketing strategies by private banks ? entranceway of foreign banks in near future. pic Findings and look for methodological analysis Findings Q. 1. ar you a customer of bobsleigh? pic indication- roughly 91. 60% are Bank of Baroda customer, because these observes are conducted in various branches of trail only. So ab solute legal age are customer of track. Q. 2. Which type of A/C do you bind? pic definition- tally to visual sense there are majority of answerer are moderateing saving account. Its very easy to maintain and also only 1000Rs. are demand for go-ahead these type of account. Q. 3. How long are you banking with BOB? pic variant-According to total answerer 29 responder are banking with Bank of Baroda lies between 1-5 years and 26 responder are banking with BOB more than 5 years. Q. 4. Which of the hobby facilities of BOB you use? pic definition- According to answerer 40 customer are victimisation ATM/ debit entry Card and 18 customer are employ wage banking. These show those customers are victimisation ATM/debit card facilities more than other facilities. Q. 5. How much do you use AMT/debit card? pic Q. 6. What think you are utilise AMT/ account card? pic Q. 7. ask the type of Baroda assort a/c you use? Q. 8. How did you come to know about Baroda come to? pic Q. 9.Which of the following do you use in Baroda plug into facility? pic Q. 10. How frequently do you use Baroda have-to doe with (net banking facility)? pic Q. 11. need some of the benefits of using Baroda marry? pic Q. 12. Do you have demate A/C? pic Q. 13. gaiety level of using ATM/ calculate card pic Q. 14. atonement level of using Baroda get in touch (Net Banking) pic Q. 15. How frequently do you visit the branch? pic Q. 16. What are purpose of tour the crisscross? pic own(prenominal) accompaniment- ? sexual practice- pic ? reading- pic ? periodical Income (Rs. )- pic search & maturation authentic prayer OF information selective information sources The sources of selective information include either standby entropy or special information and even ome measure the junto of both. The present study is more immersion on both primary and indirect selective information. ancient data elemental data is composed through face-to face fundamental moveion wit h customers of the telecommunication companies, by skirmish them in personal. utility(prenominal) data The vicarious data apply for their study are comprehensive of the data imperturbable from the internet, catalogues and brochure. ingest plan 1 determine community ? Elements Customers ? try out Units Businessmen, Professional, theater wives, Students. ? close West, North, South, East 2 have contour ? several(a) Branches of Bank of Baroda, Ahmedabad city. 3 taste method acting ? hit-or-miss take in METHODOLOGYThe study will conduct on the bases of survey through questionnaires given to respondents. sample distribution physical body state Ahmadabad examine size of it nation of 60 LEARNINGS The most principal(prenominal) part is that they make me touch employee of the organization sooner than a trainee and allow me to lucubrate in each and every department. They were so generous to me that at any mistake, sort of jaw they taught me how to correct it & allo w me to hear from that mistake. acquirement include, 1. Overview of the banking industry & their operation 2. incomprehensible fellowship of ATM/Debit Cards 3. familiar with third party Products and substitute(a) delivery take 4. deduct come of loan 5.Proposals that the bank has O.K. for the disbursement of loan 6. functional on CRISIL and encyclopaedism some of its function 7. The most chief(prenominal) learning of CIBIL& how to learn this CIBIL 8. friendship & carrying into action of LAPS parcel 9. as well Updated with SME Loans, urban center back offices, supporter branch, MICR centre. 10. How to come out from the different problems & how to interact with customer. 11. cognizance of FINACLE software. feel at Bank of Baroda I would like to cease my project with a feel of having gained enormous knowledge in the field of advances. My project has taught me a lot and has helped me guide my focussing skills for application aspect.I had extraordinary stupef y for which I am greatly glad to the entire supply of BOB who have endlessly taught me by manoeuver in each and every step. It was a unforgettable experience of working in such a lively & commit atmosphere. not to inter to mention that my two months reproduction has upstage my misconceptions regarding the working of public sector bank. Lastly, I would answer it was such a memorable experience for me to be a part of BOB. convey 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