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CHAPTER-I INTRODUCTION INTRODUCTION As iwe iknow iindia ilives iin ia ivillages,

inearly i70 ipercent iof iindia‟s ipopulation ihas ifound itheir ilivelihood iin ivillages iand
ipeople iin ithis iarea ihave ihalf iof iIndian iconsumption. iNow ia idays iincreasing
iurbanization iand imigration ihave iattracted iruralities iant ito icolourfull icities, iit iis
ipredicted ithat i63 ipercent iof iindia‟s ipopulation imay ilive iin irural iareas iby
i2025.Therefore iwe icannot iignore ithe iimportance iof irural ieconomy iand irural iparts
iwill icontinue ito iremain isignificant ito ithe iIndian ieconomy.

iAccording ito ithe i2011 icensus, ithere iare i6,40,867 ivillages iin iindia iand iabout i85
icrores iof ipopulation ilives iin ithese ivillages iamong i130 icrores iof itotal ipopulation.
Today, icustomers iare iconsidered ias ithe icelebrities ifor ieconomic iorganization. Even
iconsumer ihas iawareness ito iexercise ihis/her i irights. irural icustomers iare ialso inot i
ifree ifrom ithis.The i irural imarkets ihave ithe ipotential ito ireach i$500 ibillion iby
i2020.E ibanking iis igradually ireplacing ithe itraditional ibranch ibanking isystem iand
iis iintroducing iadvanced itechnology.

iCustomer iawareness iis ikey iingredient ito ibring ithe ihatric isuccess ito ibanking
isector iand ialso ito iincrease ithe imarket ishare. E ibanking iis idefined ias idelivery
itechnology ibased ibanking iservices ifor i24 ix7 ito iits icustomers. ithe ichanging
iglobal iscenario iis iinducing ibanking isector ito iadopt ithis ilatest itechnology. iOur
icountry ihas ian iextensive inetwork iof ibank ibranches iin irural iareas. iMany iof ithem
iare icommercial ibanks, ithe imain imotto iof ithis iextensive igrowth i iof i ibank i
ibranches i iin i irural i iindia i iis i ifinancial i iinclusion i i.We i icannot i iignore i irural
iparts iof iindia ibecause iregional idisparity i iis ialso ione iof ithe idrawbacks iof iIndian
ieconomy.
iThe irural ibanking iis iclearly imore iinclusive iof ilow iincome ifamilies ithan ithose
iprovided iby ithe icommercial ibanks. Electronic ibanking iis idefined ias ithe
iautomated idelivey iof inew iand itraditional ibanking iproducts iand iservices idirectly
ito icustomers ithrough iinteractive icommunication ichannel.E-banking iwhich iis
igradually ireplacing ithe itraditional ibranch ibanking isystem. iEach ibank itries ito
isatisfy icustomers ibecause ithey iare icentral ito ioptimal iperformance iand ifinancial
ireturns.

iEven iin irural iareas icustomer iawareness ihas ibecome ithe ikey ipoint. iIf irural
icustomers iare iinformed iand iinduced ito iuse ilatest itechnology ithe idream iof
icashless ieconomy ibecomes itrue. iWith ithis iadvent iany ibank ican iidentify ithe ikey
isuccess ifactors ito isurvive iin iintence icompetition. One ihas ito iapproach ithe ibranch
iin iperson, ito iwithdraw icash ior ideposit ia icheque ior irequest ia istatement iof
iaccounts. iIn itrue iInternet ibanking, iany iinquiry ior itransaction iis iprocessed ionline
iwithout iany ireference ito ithe ibranch i(anywhere ibanking) iat iany itime.

iProviding iInternet ibanking iis iincreasingly ibecoming ia i"need ito ihave" ithan ia
i"nice ito ihave" iservice. iThe inet ibanking, ithus, inow iis imore iof ia inorm irather ithan
ian iexception iin imany ideveloped icountries idue ito ithe ifact ithat iit iis ithe icheapest
iway iof iproviding ibanking iservices. Banks ihave itraditionally ibeen iin ithe iforefront
iof iharnessing itechnology ito iimprove itheir iproducts, iservices iand iefficiency.

iThey ihave, iover ia ilong itime, ibeen iusing ielectronic iand itelecommunication
inetworks ifor idelivering ia iwide irange iof ivalue iadded iproducts iand iservices. iThe
idelivery ichannels iinclude idirect idial i– iup iconnections, iprivate inetworks, ipublic
inetworks ietc iand ithe idevices iinclude itelephone, iPersonal iComputers iincluding
ithe iAutomated iTeller iMachines, ietc. iWith ithe ipopularity iof iPCs, ieasy iaccess ito
iInternet iand iWorld iWide iWeb i(WWW), iInternet iis iincreasingly iused iby ibanks ias
ia ichannel ifor ireceiving iinstructions iand idelivering itheir iproducts iand iservices ito
itheir icustomers.

iThis iform iof ibanking iis igenerally ireferred ito ias iInternet iBanking, ialthough ithe
irange iof iproducts iand iservices ioffered iby idifferent ibanks ivary iwidely iboth iin
itheir icontent iand isophistication. EVOLUTION iOF iE-BANKING The istory iof
itechnology iin ibanking istarted iwith ithe iuse iof ipunched icard imachines ilike
iAccounting iMachines ior iLedger iPosting iMachines. iThe iuse iof itechnology, iat ithat
itime, iwas ilimited ito ikeeping ibooks iof ithe ibank. iIt ifurther ideveloped iwith ithe
ibirth iof ionline ireal itime isystem iand ivast iimprovement iin itelecommunications
iduring ilate i1970‟s iand i1980‟s.it iresulted iin ia irevolution iin ithe ifield iof ibanking
iwith i“convenience ibanking” ias ia ibuzzword. iThrough iConvenience ibanking, ithe
ibank iis icarried ito ithe idoorstep iof ithe icustomer.

The i1990‟s isaw ithe ibirth iof idistributed icomputing itechnologies iand iRelational
iData iBase iManagement iSystem. iThe ibanking iindustry iwas isimply iwaiting ifor
ithese itechnologies. iNow iwith idistribution itechnologies, ione icould iconfigure
idedicated imachines icalled ifront-end imachines ifor icustomer iservice iand irisk
icontrol iwhile icommunication iin ithe ibatch imode iwithout ihampering ithe iresponse
itime ion ithe ifront-end imachine.Intense icompetition ihas iforced ibanks ito irethink
ithe iway ithey ioperated itheir ibusiness. iThey ihad ito ireinvent iand iimprove itheir
iproducts iand iservices ito imake ithem imore ibeneficial iand icost ieffective.

iTechnology iin ithe iform iof iE-banking i iin irural iarea ihas imade iit ipossible ito ifind
ialternate ibanking ipractices iat ilower icosts. More iand imore ipeople iare iusing
ielectronic ibanking iproducts iand iservices ibecause ilarge isection iof ithe ibanks
ifuture icustomer ibase iwill ibe imade iup iof icomputer iliterate i icustomer, ithe ibanks
imust ibe iable ito ioffer ithese icustomer iproducts iand iservices ithat iallow ithem ito
ido itheir ibanking iby ielectronic imeans. iIf ithey ifail ito ido ithis iwill, isimply, inot
isurvive.

iNew iproducts iand iservices iare iemerging ithat iare iset ito ichange ithe iway iwe ilook
iat imoney iand ithe imonetary isystem.
 CHAPTER-II REVIEW iOF iLITERATURE Saving imoney iin iIndia iis iconsidered ias
igenuinely idevelop ias ifar ias isupply, iitem irange iand ireach-despite ithe ifact ithat
ispan iin icountry iIndia istill iremains ia itest ifor ithe iprivate iarea iand iremote ibanks.

iIndeed, ieven iregarding inature iof ibenefits iand icapital isufficiency, iIndian ibanks iare
iconsidered ito ihave iperfect, isolid iand istraightforward iasset ireports iwhen
icontrasted iwith idifferent ibanks iin iequivalent ieconomies iin iits idistrict. E-Banking iis
ianother iconveyance idivert ifor ibanks iin iIndia. iThe iE-keeping imoney ichannel iis
iboth ia iuseful iand ia ivalue-based imedium i[1]. iNonetheless, iE-saving imoney ihas
inot ibeen iprominently iembraced iin iIndia iof icourse. iE-Banking iincludes ipurchasers
iutilizing ithe iInternet ito iget ito itheir ifinancial ibalance iand ito iattempt ikeeping
imoney iexchanges.

iAt ithe ifundamental ilevel, iInternet imanaging ian iaccount ican imean ithe isetting iup
iof ia isite ipage iby ia ibank ito igive idata iabout iits iitems iand iadministrations. The
iutilization iof iinnovation ihas iput iIndian ibanks iat istandard iwith itheir iworldwide
icompanions. iIt ihas iadditionally ichanged ithe iway imanaging ian iaccount iis idone iin
iIndia. i'Anyplace isaving imoney' iand i'whenever imanaging ian iaccount' ihave iturned
iinto ia ireality i[2].

iThe imonetary isegment inow iworks iin ia imore iaggressive ienvironment ithan ibefore
iand iintermediates imoderately iextensive ivolume iof iglobal ibudgetary istreams.
E-keeping imoney iis ia inon ispecific iterm ifor iconveyance iof imanaging ian iaccount
iadministrations iand iitems ithrough ielectronic ichannels, ifor iexample, ithe iweb, ithe
imobile iphone, iand iso ion. iThe iidea iand iextent iof iE-managing ian iaccount iis ias
iyet iadvancing. iIt iencourages ia isuccessful iinstallment iand ibookkeeping iframework
iin ithis imanner iupgrading ithe ispeed iof iconveyance iof ikeeping imoney ibenefits
iextensively.

iWhile iE-managing ian iaccount ihas ienhanced iproficiency iand icomfort, iit ihas
iadditionally irepresented ia ifew idifficulties ito ithe icontrollers iand idirectors. iA ifew
iactivities itaken iby ithe ilegislature iof iIndia, iand iin iaddition ithe iReserve iBank iof
iIndia i(RBI), ihave iencouraged ithe iadvancement iof iE-managing ian iaccount iin
iIndia. iThe iadministration iof iIndia iestablished ithe iIT iAct, i2000, iwhich igives
ilegitimate iacknowledgment ito ielectronic iexchanges iand idifferent imethod ifor
ielectronic itrade i[3].

iThe iRBI ihas ibeen iplanning ito ioverhaul iitself ias ia icontroller iand ichief iof ithe
imechanically ioverwhelmed imoney irelated iframework. iIt iissued irules ion idangers
iand icontrol iin iPC iand imedia itransmission iframework ito iall ibanks, iencouraging
ithem ito iassess ithe idangers iintrinsic iin ithe iframeworks iand iset iup isufficient
icontrol iinstruments ito iaddress ithese idangers. iThe icurrent iadministrative isystem
iover ibanks ihas ilikewise ibeen istretched iout ito iE-keeping imoney i[4].

iIt icovers idifferent iissues ithat ifall iinside ithe istructure iof iinnovation, isecurity
igauges, iand ilegitimate iand iadministrative iissues. iAn iendeavor ihas ibeen imade iin
ithis iarticle ito ienquire ithat, iwhat inumber iof iclients iare iusing ielectronic ikeeping
imoney iof ithe iHDFC iand iOBC iin iHyderabad iof iTellangana iand ito ilook iat ithe
iissues iconfronted iby ithe ispecimen ibanks irespondents iwhile iutilizing ielectronic
imanaging ian iaccount iand ito irecommend iconceivable iways iand iintends ito itone
iup itheir imonetary iadministrations iin ithe iworldwide ibusiness isituation.

Dabholkar i(2021) ithe iflexible idesign iof ie-banking iallows icustomers ito imake
ichanges iwhile imaking itransactions iand ifurther iensures iavailability iof icustomer
iservice iadviser iwithin iminimum ipossible iwaiting itime. Joseph iet ial. i(2020)
iinvestigated ithe iinfluence iof iinternet ion ithe idelivery iof ibanking iservices. iThey
ifound isix iunderlying idimensions iof iebanking iservice iquality isuch ias iconvenience
iand iaccuracy, ifeedback iand icomplaint imanagement, iefficiency, iqueue
imanagement, iaccessibility iand icustomization.

Heggade i(2019), istudied ithe ibank-customer irelationship iin iIndia. iHe ianalyzed
iresponses iof i11 idifferent iclasses iof ibank icustomers ilike ibusinessman, isalaried
ipersons, iadvocates ietc. iHe ianalyzed icustomer‟s iviews ion ione ihand iand
iemployees iview ion iother ihand. iHe iconcludes ithat ithere iis ilow icorrelation iamong
ithe idifferent ioccupations iand isatisfaction ifrom iservices iin ithe iPSBs. Tan i& iTeo
i(2018) istudied ithe ifactors ithat iinfluenced iadoption iof iinternet ibanking iamong
icustomers iin iSingapore.

iTheir imain ifindings irevealed ithat iattitudinal iand iperceived ibehavioural icontrol
ifactors iplayed isignificant irole iin iinfluencing ithe iintention ito iadopt iinternet
ibanking. CHAPTER-III RESEARCH iMETHODOLOGY NEED i iOF iTHE iSTUDY To iknow
iwhat inumber iof iclients iare iusing ielectronic ikeeping imoney i. To isurvey ithe
ioperation iof ielectronic ikeeping imoney iby ithe irespondents iof itest ibanks. To
idistinguish ithe iissues iof itest ibanks i„clients iwhile iworking ie-managing ian iaccount
iin ithe ipresent istudy iand ion ithe ipremise iof idiscoveries imade, ioffer isome
iworkable irecommendation ito ibetter ithe iadministrations ioffered iby ithe iIndia
isaving imoney iframework. Reduce irural iand iurban igap iby imobilizing ifinancial
iresources iand iservices ito irural iregions.

i Regional iRural iBanks ipave ithe iway ifor iinclusion iof ithe imarginal ipopulation ilike
ismall ifarmers, iBelow iPoverty iLine i(BPL) ifarmers iand iworkers, ismall ientrepreneurs,
iartisans, iwomen, ietc. Regional iRural iBanks iassist irural ibusinesses iby iproviding
ithem ishort- iterm iloans, iinsurance ifacilities, ietc., iand ihelp ito iimprove ithe irole iof
ientrepreneurship iin irural iareas. Providing iassistance ilike iloans, iadvances, iinsurance
ito iagriculturists ifor ifarming iinputs, iequipment, iprocessing, imarketing iactivities,
iand icooperative isocieties ihelps iin ithe igrowth iof iagriculture iand ithe iadvancement
iof ifarmers.

Many ipublic iand iprivate isector ibanks ido inot ideal iwith ifarmers iand irural isection
idue ito itheir ismall ifinancial ineeds, ifewer iincomes, ietc. iIn isuch ia icase, ithere iis ia
ineed ifor ia iseparate ibanking isystem ito iprotect ithe iinterests iof ithese isectors. i
The iRRBs ilook iforward ito icovering iunderserved irural iareas iin iterms iof ifinancial
iservices iand iextending icredit iassistance. Help iin ithe igrowth iof icooperative
isocieties, iagricultural isocieties, ietc.

RRBs ireduce ifarmers‟ iand ithe iweaker isections‟ idependence ion itraditional isources
ilike imoneylenders iwho iexploited ithem iwith ia ihigh irate iof iinterests ion iloans. i
 SCOPE iOF iTHE iSTUDY People iused iinformation itechnological itools ito imanage
iand iprocess ithe iinformation. iatomization iprocess iuse iin ithe ifinical isector ifor
itransaction isystem. The istudy imainly iinvolves ithe ifinancial iperformance iof iRural
iBanking iin iTELENGANA iGRAMEENA iBANK ibefore iand iafter iamalgamation. In ithis
istudy, iwe iget ito iknow ithe ichallenges ifaced iby ithe ibanking iin irural iareas.

To iprovide iloan ifacilities ito iCooperative isocieties, iwhich iare iengaged ion iservices
irelated ito irural iarea iincluding iagriculture iactivities. iProviding ibanking iservices ito
iindividuals iliving iin irural iareas. The istudy iinvolves ihow iTELENGANA iGRAMEENA
iBANK icame iinto iexistence ifor iproviding ithe icredit ifacilities ito ithe ismall iand
imarginal ifarmers, iand ismall ientrepreneurs ifor ithe iagricultural, itrade, iand iother
iproductive iactivities. Increasing iin ithe ipurchasing ipower India ihas i200 imillion
ihouseholds iand i400 imillion imiddleclass ipopulation Nuclear ifamily iconcept iis
igaining imuch iimportance
 OBJECTIVE iOF iTHE iSTUDY The iprimary iobjective iof ithe iresearch iis ito iknow ithe
ibenefits iof ie-banking ito irural ipeople. To iunderstand ithe imeaning iof ie ibanking
To ianalyze ithe iimportance iof iICT iin iIndian ibanking isector To iknow ithe irole iof
ibanking itechnology iin irural iindia.

To istudy iFinancial iperformance iof irural ibanking iin iTELENGANA iGRAMEENA iBANK.
In ithis istudy, iwe iget ito iknow ihow iTELENGANA iGRAMEENA iBANK iprovide
ifacilities iand ibanking iservices ito ithe iRural iareas. iTo iknow ithe ireasons ifor
iprofitable iand iunprofitable iin iTELENGANA iGRAMEENA iBANK.
 RESEARCH i iMETHODOLOGY The idata icollection imethods iinclude iboth ithe
iprimary iand isecondary icollection imethods. PRIMARY iDATA This imethod iincludes
ithe idata icollected ifrom ithe ipersonal idiscussions iwith ithe iauthorized iclerks iand
imembers iof ithe iexchange.

SECONDARY iDATA Secondary idata irefers ito ithose idata ithat ihas ialready ibeen
icollected iand ianalysed iby isomeone ielse.In iother iwords isecondary idata iis ithe
iinformation ithat ialready iexist isomewhere ihaving ibeen icollected ifor ianother i
ipurpose.
 LIMITATION iOF iTHE iSTUDY The iusage iof irural ibanking i iin irural iarea iis iall iset
ito iincrease iamon ie iservice iclass.

i The iservice iclass iat ithe imoment iis inot iusing ithe iservices ithoroughly idue ito
ivarious ihurdling ifactors ilike iinsecurity iand ifear iof ihidden icosts ietc. iSo ibanks
ishould icome iforward iwith imeasures ito ireduce ithe iapprehensions iof itheir
icustomers ithrough icampaigns iand imore imeaningful iadvertisements ito imake
iE-banking i iin irural iarea ipopular iamong iall ithe iage iand iincome igroups. i Further,
iwith iincreasing iconsumer idemands, ibanks ihave ito iconstantly ithink iof iinnovative
icustomized iservices ito iremain icompetitive. i E-banking i iin irural iarea iis ian
iinnovative itool ithat iis ifast ibecoming ia inecessity.

i It iis ia isuccessful iawareness istrategic iweapon ifor ibanks ito iremain iprofitable iin ia
ivolatile iand icompetitive imarketplace iof itoday.
CHAPTER-IV COMPANY iPROFILE
 Telangana iGrameena ibank ioffers imobile ibanking iservices ito iits icustomers iso
ithat ithey ican iperform imobile ibanking itransactions idirectly ion itheir imobile
iphones. iTelangana iGrameena ibank imobile ibanking iregistration ican ibe idone
ionline iand iafter ithat iyou ican iuse imobile ibanking iservices isuch ias icheck ibalance,
imoney itransfer, ipayments, ietc. idirectly ion iyour imobile iphone.

Instead iof igoing ito ibank ibranch ior iATM, iyou ican idirectly idownload iour iapp iand
iperform iall ibanking itransactions ion iyour imobile iphone. iYou idon‟t ihave ito ifill
iany iform iand ican iactivate imobile ibanking iservices iimmediately. \Register iand
iactivate iTelangana iGrameena ibank imobile ibanking iservices ion ithe iapp ito iuse
ithe ifollowing ifeatures: Mobile ibanking iregistration ionline Generate ibanking iPIN
ionline Check ibank iaccount ibalance Transfer imoney ito ianyone iin iIndia iin ireal-time
ifrom iyour ibank iaccount. iTransfer iupto iRs. i1,00,000 iper iday, i24x7. iEven ion
iweekends iand iholidays.

iNo ifees ifor ionline imoney itransfer Activate iEmployee iProvident iFund i(EPF)
iaccount ionline Check iEPF ibalance i& ipassbook Mobile irecharge i& imobile
ipost-paid ibill ipayment DTH irecharge Electricity ibill ipayment Gas ibill ipayment
Credit icard ibill ipayment Mediclaim i(Health iInsurance) ipremium ipayment Buy
iinsurance View itransaction ihistory iand itransaction istatement
 Telangana iGrameena iVikas iBank iis ian iIndian iRegional iRural iBank iheadquartered
iin iWarangal, iIndia. iIt iwas iestablished iin i2006 ias ia iRegional iRural iBank ias iper
iRegional iRural iBanks iAct iof i1976.

iBy iamalgamation, ion i31 iMarch i2006, iof ithe ifollowing i5 ibanks, isponsored iby iSBI,
ito iparticipate imore ienergetically, iwith isynergy, iin ithe iuplift iand idevelopment iof
iRural iFarm iSector iand iRural iNon-Farm iSector, iwith iemphasis ion ithe ideprived,
ithe iRural iPoor, iRural iISB iand iRural iCrafts.It iis iunder ithe iownership iof iMinistry iof
iFinance i, iGovernment iof iIndia. Amalgamated iFive iRegional iRural iBanks Sri
iVisakhaGrameena iBank i(Established ion i30-09-1976) Nagarjuna iGrameena iBank
i(Established ion i30-04-1976) SangameswaraGrameena iBank i(Established ion
i31-03-1982) ManjiraGrameena iBank i(Established ion i31-03-1982) KakathiyaGrameena
iBank i(Established ion i28-06-1982) Districts iCovered IN iTELANGANA iSTATE
Khammam i(Population: i25.65 iLakhs) Mahabubnagar i(Population: i35.09 iLakhs)
Medak i(Population: i26.70 iLakhs Nalgonda i(Population: i32.43 iLakhs) Warangal
i(Population: i32.46 iLakhs) Wanaparthy Nagarkurnool Narayanpet IN iTELANGANA
iSTATE Visakhapatnam i(Population: i38.32 iLakhs) Vizianagaram i(Population: i22.45
iLakhs) Srikakulam i(Population: i25.38 Lakhs) Ownership[edit] Government iof iIndia
i:50% iGovernment iof iTelangana i:15% iState iBank iof iIndia i:35% Telangana
iGrameena iVikas iBank ihas iits ibranches iin iTelangana iand iTelangana
 BOARD iOF iTHE iDIRECTORS Sri iV.

iArvindCHAIRMAN Sri iAnil iKumar iKalbhoreAsst. iGeneral iManager iFIDD, iReserve

iBank iOf iIndia, iHyderabad Sri iR.NatarajanDy, iGeneral iManager, iAgri. i& iGSS, iSBI,
iLHO, iHyderabad. Smt. iSiva iTulasiDevataDeputy iGeneral iManager, iNABARD, iTSRO.
Sri iK. iPradeepGeneral iManager, i(A i& iS), iState iBank iOf iIndia, iCorporate iOffice,
iMumbai Sri iRayiRaviAddl. iSecretary iTo iGovt., iFinance iDepartment, iGovt. iOf
iTelangana i. Sri iM.Raghunandan iRao, iIASSecretary iTo iGovt.(TS) i& iCommissioner iOf
iAgriculture iHyderabad i. Telangana iGrameena iBank iLoans iOffered Car iLoan– iThe
ibank ioffers ia iwide irange iof ibusiness iservices iand iis ivery irecognised iand
itrustworthy.

iA iused ivehicle iloan iis ia itype iof iauto iloan ithat iis iused ito ipurchase iand ifinance
ia iused ior ipre-owned icar. Personal iLoan– iThe iTelangana iGrameena iBank iPersonal
iLoan iis iprovided ito isalaried iand iself-employed ipersons iwith irepayment icapacity
iat ia i10.70% iyearly iinterest irate. Gold iLoan– iThe iTelangana iGrameena iBank,
ifounded iin i1983, iis ia irural ibank iin iTelangana ithat iis isupported iby ithe iState
iBank iof iIndia i(State ibank iof iIndia). iThis ibank iis iavailable iin iall iof iTelangana‟s
idistricts.

iThe ipurpose iof ithis ibank iis ito iprovide ifinancial iassistance ito ithe icountry‟s
icommon iinhabitants. iThis ibank ioffers ia ivariety iof iservices, iincluding ipersonal
iloans, igold iloans, iand ihome iloans. Home iLoan– iQualified iNon-Resident iIndian
iBorrowers ican iget iNRI ihome iloans ifrom iTelangana iGrameena iBank iat ia ifixed
iinterest irate ibeginning iat i6.80 iper icent. iFemale iborrowers iare ieligible ifor ispecial
iinterest irate ireductions. iWith ivariable iinterest irates, ithere iare ino iprepayment
ipenalties. Telangana iGrameena iBank iGold iLoan Gold iLoan iis ian iunsecured iservice
iin iwhich ithe iapplicant ideposits igold ijewellery iin ithe ibank iin iexchange ifor ithe
iloan iamount.

iThe iGold iLoan iservice iis iwell-known isince ithe ipaperwork irequired ifor ithis iservice
iare iminimal. iIn iaddition, iwhen icompared ito iother ilending iservices, ithe iGold
iLoan iInterest iRate iis irelatively ilow. No iDebt iBurden: iIf ithe iapplicant icannot irepay
ithe igold iloan, ithe ibank iwill iauction ioff itheir ijewellery ito irecover ithe idebt.
iFollowing ithat, ithe iapplicant iwill inot ibe irequired ito ipay ianything. Low-Interest
iRates: iThe imonthly iinterest irate ion ia igold iloan istarts iat ionly i1%. iAs ia iresult,
irepayment iis imore istraightforward.

Farmers ibenefit ifrom ia ilower iinterest irate: iFurthermore, ibanks iprovide ifarmers
iwith iadditional ibenefits isuch ias ilower iborrowing irates iand iother ifees. Telangana
iGrameena iBank iPersonal iLoan If ian iNRI iis ivisiting ibriefly, iobtaining ia ipersonal
iloan ifrom ia iforeign ilender imay ibe ichallenging. iThey ican, ihowever, itry ito iacquire
ia iloan ifrom ian iIndian ibank isince inumerous iinstitutions ioffer iloans ito iNRIs iwith
ilittle ibother iand ipaperwork.

Telangana iGrameena iBank ioffers iNRIs ipersonal iloans iwith ilow-interest irates, iquick
iloan iprocessing, iand ilittle idocumentation. iHowever, ithe iprimary iborrower imust
ibe ian iIndian iresident, iwhile ithe ico-borrower imust ibe ian iNRI ito iobtain ian iNRI
ipersonal iloan ifrom iTelangana iGrameena iBank. Telangana iGrameena iBank iCar
iLoan Telangana iGrameena iBank iwill iassist iyou iin iobtaining ia icar iloan ito
ipurchase iyour idream ivehicle. iYou imay ireceive ia ivehicle iloan iwith ilow iinterest
irates iand iflexible irepayment iduration.

iThis isimplifies ithe iprocess iof iobtaining ia iloan. iDialabank‟s iteam iassists iyou iin
iobtaining ia iloan ifrom ia ivariety iof idifferent ilending ioptions iwith isimple iterms
iand iconditions. Accounts iArea: iYou imay iuse ithis isection ito iperform itransactions
ion iyour iSavings, iCurrent, iand iDeposit iaccounts. iIt imay ialso ibe iused ito imake
inew ideposits, icheck iyour ibalance, iliquidate iyour ideposits, iread ia isummary,
ireceive ia istatement, ipay ia icheque, iand iso ion.

Check ithe istatus iof iyour iaccounts: iPerform ia iholdings iquery, ireview itransaction
istatements, isee iclient iprofiles, iand irequest iholdings istatements, iamong iother
ithings, iin ithe iDemat iarea. Funds iTransfer: iThis iarea iprovides ionline iservices isuch
ias iadding ia ibeneficiary, iestablishing iand ireading istanding iinstructions, ichanging
ithe iTPT ilimit, iseeing ithe ilist iof ibeneficiaries, iand imonitoring ithe iprogress iof
iRTGS/IMPS ipayments, iamong iother ithings. Telangana iGrameena iBank iHome iLoan
Get ia iTelangana iGrameena iBank iHome iLoan ifor iyour idream ihome iwith
ilow-interest ipayments iand isimple irepayments.

iCustomers iwho iwant ito ibuy ia ihouse, ibuild ia inew ione, ior irenovate itheir iexisting
ione ican iapply ifor ia ihome iloan. iTelangana iGrameena iBank ican igive iyou ithe
ifinances iyou irequire. iMoreover, iyou imay ireturn ithe imoney ias iyou isee ifit isince
ithe iHome iLoan ifrom iTelangana iGrameena iBank iis iflexible, isimple, iand
ihassle-free. iDialabank‟s iHome iLoan ispecialists iwill iwalk iyou ithrough ithe iwhole
iHome iLoan iprocedure, iand iall iservices igiven iby iDialabank iare ifree iof icharge.

Telangana iGrameena iBank iCredit iCard Uttarakhand iGramin iBank iCredit iCard iBill
iPayment imay ibe iaccomplished iin ivarious imethods, iall iof iwhich iare iquick iand
isimple. To iapply, iyou imust ibe ian iIndian icitizen. The iapplicant‟s iage ishould ibe
ibetween i21 iand i65 iyears iold. To ibe iqualified, ithe iapplicant‟s imonthly isalary imust
ibe iat ileast iRs. i15,000. Applicants imight ibe ifrom iany ifield. They ishould ihave ian
iexcellent icredit irating. Telangana iGrameena iBank iNet iBanking Using inet ibanking
iis iboth iconvenient iand istraightforward. iHowever, iwhen iit icomes ito iNetbanking,
iyou inow ihave ia ivariety iof ialternatives.

One iof ithe imost iconvenient iways ito ipay iEMI iusing iNetbanking iis iwith ia imobile
iphone, iwhich iallows iyou ito ipay iyour iEMI ieven iwhile iyou iare inot iat ihome.
Furthermore, iEMIs imay ibe ipaid ifor iusing iInternet iBanking. Again, iseveral iother
ionline ibanking imethods iare iaccessible, isuch ias iPaytm, iBilldesk, iNEFT, ietc.
Telangana iGrameena iBank iCustomer iCare iNumber Location _Telangana iGrameen
ibank icustomer icare _ _Kagaznagar i(M), iTelangana i504296 _9491041778 _
_chaitanyapuri, iAdilabad(U), iTelangana i504001 _18004251191 _ _Ravindra iNagar,
iTelangana i504299 _094910 i41609 _ _Karimnagar, iTelangana i505001 _0878 i223 i1670
_ _Elkathurthy, iTelangana i505476 _18004251191 _ _Telangana iGrameena iBank
iCustomer iComplaints Customers ican ivisit ithe ibranch ifrom iMonday ito iSaturday,
i10 ia.m. ito i4 ip.m.,

ifor iany iquestions, icomplaints, ior idifficulties i(except i2nd iand i4th iSaturdays). In
icase iof iany iproblems, ithe ibank‟s iemail iaddress, [email protected], iis ialso
iavailable i24 ihours ia iday, iseven idays ia iweek. The ibank‟s itoll-free ilines iare
iaccessible i24 ihours ia iday, iseven idays ia iweek, ito ianswer iand iresolve iall iof iyour
iquestions. Customers imay ialso iobtain iaccount iinformation iand ibank ibalance
iinformation iby ivisiting ithe ibank‟s iofficial iwebsite ior ileaving ia imessage iat
i09278031313, iand iyou iwill ireceive ia inotification ias isoon ias ipossible.

How ito iOpen ia iSavings iAccount iin iTelangana iGrameena iBank To iopen ia iSavings
iAccount iin iTelangana iGrameena iBank, iyou ineed ito ifollow ithese isteps: Step1: iPay
ia ipersonal ivisit ito ia iTelangana iGrameena iBank ibranch. Step i2: iComplete ithe
iAccount iOpening iForm i(AOF) ifor ithe iSavings iAccount. Step i3: iInclude iwith ithe
iAccount iOpening iForm iany irequired i(mandatory) idocuments i(AOF) Step i4:
iAccount iOpening iForm i(AOF) iand iOther iDocuments iVerification iby ithe iBanker
Step i5: iMake ia iminimum ideposit iinto iyour iSavings iAccount ifollowing ithe
irequirements iof iyour iSavings iAccount. Step i6: iObtain ifrom ithe ibank ia icheque
ibook, ipassbook, idebit icard, iand iother idocuments.

How ito iOpen ia iCurrent iAccount iin iTelangana iGrameena iBank To iopen ia iCurrent
iAccount iin iTelangana iGrameena iBank, iyou ineed ito ifollow ithese isteps: Step i1: iGo
ito ia ibank ibranch. Step i2: iCompleting ithe iAccount iOpening iForm i(AOF) ifor ia
iCurrent iAccount Step i3: iInclude iwith ithe iAOF iany irequired i(mandatory)
idocuments. Step i4: iBanker iverification iof iAOF iand iother idocuments Step i5: iMake
ia iminimum ideposit iinto ithe iaccount. Step i6: iObtain ia icheque ibook, ia ipassbook,
iand iother inecessary idocuments ifrom ithe ibank.

CHAPTER-V DATA iANALYSIS & INTERPRETATION

 i iDATA iANALYSIS iAND iINTERPRETATION Table i5.1 Gender iof ithe irespondent
Gender _No. iof ithe irespondent _Percentage _ _Male _23 _47.9% _ _Female _25 _52.1%
_ _Total _48 _100 _ _ / Figure ino. i5.1 Interpretation In ithe iabove itable,23(47.9%) iare
imale irespondent i& i25(52.1%) iare ifemale irespondent. Table i5.2 Age iof ithe
irespondent Age _No. iof irespondent _Percentage _ _Upto i20 iyears _1 _2.1% _ _21-30
iyears _39 _83% _ _31- i40 iyears _4 _8.5% _ _41-50 iyears _3 _6.4% _ _Total i _47 _100% _
_ / i iFigure ino.5.2 Interpretation As ishown iin ithe iabove itable,most iof ithe
irespondent‟s iage iis ibetween i21-30 iyears ii.e,39(83%). Table i5.3

Educational iqualification iof ithe irespondents _No. iof irespondent _Percentage _

_Graduation _21 _44.7% _ _Post igraduation _21 _44.7% _ _Proffesional _2 _4.3% _
_Private iemployee _3 _6.4% _ _Total _47 _100% _ _ / i iFigure ino.5.3 Interpretation As
ishown iin ithe itable, i21(44.7%) iare igraduated, ipost igraduated i21(44.7%),
iprofessional i2(4.3%), iPrivate iemployees i3(6.4%). Table i5.4 Occupation iof ithe
irespondent Occupation _No. iof irespondent _Percentage _ _Student _24 _51.1% _
_Business _5 _10.6% _ _Private iemployee _18 _38.3% _ _Government iemployee _- _- _
_Total _47 _100% _ _ / i i iFigure ino.5.4 Interpretation From ithe iabove itable, i24(51.1%)
iare istudents, i5(10.6%) iare iinto ibusiness, i18(38.3%) iare iprivate iemployees. Table
i5.5 People iwho ihave ian iaccount iin ibank _No. iof irespondents _Percentage _ _Have i
iaccount _45 _95.7% _ _Dont ihave iaccount _2 _4.3% _ _Total _47 _100% _ _ / i iFigure
ino.5.5

i i i i i i i Interpretation As ishown iin ithe iabove iTable, imany iof ithem iare iholding ian
ibank iaccount ii.e, i95.7% i iandnon iusers iare i4.3%. Table i5.6 Awareness iof ipeople
iregarding ie-banking i iprovided iby ithe ibank iwhile iopening ian iaccount Awareness
iof ian iaccount _No. iof iRespondents _Percentage _ _Fully iaware _25 _53.2% _ _Had ian
iidea _17 _36.2% _ _No iidea _5 _10.6% _ _Total _47 _100% _ _ / iFigure ino.5.6

Interpretation As iseen ifrom ithe iabove iTable, ioverall ipercentage iof iservice iclass
ipeople ihaving icomplete iknowledge iabout ie-banking i iprovided iby ithe ibank iwhile
iopening ian iaccount iin iit iis i53.2%, ithose ihaving isome iidea iabout iit iis i36.2% iand
ithe ipercentage iof ipeople ihaving ino iawareness iof ie-banking i iprovided iby ithe
ibank iis i10.6%. iIt ican ireasonably, ibe iconcluded ithat inearly i90% iof ithe ipopulation
iis ihaving iawareness iabout ie-banking.
Table i5.7 Sources ifrom iwhich ithe irespondents iget ito iknow iabout ie-banking i
Sources _No.

iof iRespondents _Percentage _ _Personal iVisit _14 _29.8% _ _Executive ifrom iBank _11
_23.4% _ _Advertisements _2 _4.3% _ _Friends i/Relatives _20 _42.6% _ _Total _47 _100% _
_ / i iFigure ino.5.7 Interpretation Table ino.4.7, iindicates ithe ipercentage idistribution
iof iawareness iavenues, ithe imajor iare iin ifavour iof ifriends/relatives, iwhich iscore
i42.6% iamong idifferent iavenues isuch ias ipersonal ivisit, iexecutives iof ithe ibanks
iand iadvertisements. iWhile ithe ileast iscore iis ifor iadvertisements ii.e i i4.3% i
icompare ito iother isources.
Table i5.8 8) iAwareness iof iE-banking i Awareness _No. iof iRespondents _Percentage _
_ATM _32 _68.1% _ _Debit iCard _37 _72.3% _ _Credit iCard _20 _42.6% _ _Phone
iBanking _30 _63.8% _ _Mobile iBanking _33 _70.2% _ _Internet iBanking _28 _59.6% _
_Total _180 _200% _ _ / i i i i i i i i i i i i iFigure ino.5.8

Interpretation E-banking iservices iprovided iin iterms iof iATMs, iDebit iCard, iCredit
iCard, iPhone iBanking, iMobile iBanking, iInternet iBanking ietc, iof iwhich ithe ifirst isix
ihave ibeen icovered. iAmongst ithese iDebit icard iscores ithe ilargest iused iservice
istatus i(72.3%) ias iindicated iby ifigures. iClose ion ithe iheels iis iMobile ibanking
i(70.2%), iATM i(68.1%), iPhone ibanking i(63.8%), iInternet ibanking i(59.6%), iwhile
icredit icard ilags ibehind iby iscoring ithe ileast iie.,42.6%
Table i5.9 9)Various ibenefits iaccruing ifrom iE-banking i ito iits iusers Benefits _No. iof
iRespondents _Percentage _ _Time iSaving _44 _ i93.6% _ _Inexpensive _18 _38.3% _
_Easy iProcessing _27 _57.4% _ _Easy iFund iTransfer _22 _46.8% _ _Total _ i i i i i i i i i i i i i
i i i i i i i111 _ i i i i i i i i i i i i i i i i i i i i i i i i i i i i i i i120% _ _ / i i iFigure ino.5.9

iInterpretation When iasked ito ilist ivarious ibenefits iaccruing ifrom ithe iusage iof
ie-banking, itime isaving ireceived ihighest ipercentage iscore iat i93.6% iamong
idifferent ibenefits isuch ias i iinexpensive i(38.3%), ieasy iprocessing i(57.4%), ieasy ifund
itransfer(46.8%). Quite iinterestingly, ieasy iprocessing ifeature iscored imore ithan ithe
iinexpensiveness. Table i5.10 10) iSatisfactionwiththebankservices Satisfaction iLevel _No.
iof irespondents _Percentage _ _Highly isatisfied _9 _19.1% _ _Satisfied _30 _63.8% _
_Neutral _8 _17% _ _Dissatisfied _None _- _ _Highly idissatisfied _None _- _ _Total _47
_100% _ _ / Figure ino.5.10 Interpretation As ishown iin ithe iabove itable, imost iof ithe
ipeople iare isatisfied iwith ithe ibank iservices iwith i63.8%, ipeople iwho iare ihighly
isatisfied iwith ibank iservices(19.1%) iand ineutral iscored ithe ileast ii.e, i17%.
Table i5.11 11)Main idisadvantages iof ivisiting ibank ibranch Disadvantages _No. iof
iRespondents _Percentage _ _Waiting _36 _76.6% _ _Distance _4 _8.5% _ _Opening itime
_4 _8.5% _ _Quality iof iservice _3 _6.4% _ _Total _47 _100% _ _ / i i iFigure ino. i5.11
Interpretation Most iof ithe iusers iare ihaving i ithedissadvantageofwaiting i(76.6%),
iDistance i(8.5%), iopening itime i(8.5%) iand iQuality iof iservice i(6.4%). Table i5.12 i
12)Development iof irural iareas ithrough ie ibanking i _No.

iof irespondents _Percentage _ _Yes _36 _76.6% _ _No _Non _- _ _May ibe _11 _23.4% _
_Total _47 _100% _ _ / i i iFigure ino.5.12 Interpretation As ishown i iin ithe iabove itable,
imajor ino iof imembers iare ihaving ian iopinion iabout ichances i idevelopment iof
irural iareas ithrough ie ibanking i(76.6%) iand isome iof ithem ithink iit imay ibe ihelpfull
iin idevelopment iof irural iareas ithrough ie ibanking ii.e, i(23.4%).
Table i5.13 13)Major ireasons ifor iavoiding ie ibanking iin irural iareas Avoiding iof iE
iBanking _No.

iof irespondents _Percentage _ _Lack iof isecurity _3 _6.5% _ _Lack iof iknowledge _25
_54.3% _ _Poor isignals _13 _28.3% _ _Communication ibarriers _5 _10.9% _ _Total _47
_100% _ _ / i i iFigure ino.5.13 Interpretation i As ishown iin ithe iabove itable, i imajor
ireason ifor iavoiding ie ibanking iin irural iarea iis ilack iof iknowledge i(54.3%), ithe
inext imajor ireason iis ipoor isignals i(28.3%), icommunication ibarriers i(10.9%) iand
ithe ileast i iscored ireason iis ilack iof isecurity i(6.5%). Table i5.14 i14)Why ie ibanking
ishould ibe iintroduced iin irural iareas _No.

inof irespondents _Percentage _ _To iavoid ifraudulent _6 _13% _ _To imake ipeople
iaware iabout idigital ipayments _27 _58.7% _ _To iavoid imediator _3 _6.5% _ _To
ieducate ipeople _10 _21.7% _ _Total _47 _100% _ _ / i i i iFigure ino.5.14 Interpretation
As ishown iin ithe iabove itable, ito imake ipeople iaware iabout idigital ipayments iis
ithe imajor ireason ito iintroduce ie ibanking iin irural iareas ii.e, i(58.7%) i,to ieducate
ipeople i(21.7%), ito iavoid ifraudulent i(13%) iand ito iavoid imediator i(6.5%). Table
i5.15 15)Do iyou ithink ie ibanking iis isafe _No. iof irespondent _Percentage _ _Yes _41
_89.1% _ _No _5 _10.9% _ _Total _47 _100% _ _ / i i i i iFigure ino.5.15 Interpretation As,
ishown iin iabove itable, i89.1% imembers ithink ie ibanking iis isafe iand i10.9%
imembers ithink iit iis inot isafe. Table i5.16 i 16) iHow idoes iyour ibank iprovide ie
ibanking idetails ito iyou Source _No.

iof irespondent i _Percentage _ _Via iSMS _34 _73.9% _ _E imail _8 _17.4% _ _Brouchers
_2 _4.3% _ _Others _2 _4.3% _ _Total _47 _100% _ _ / i i i iFigure ino.5.16 Interpretation As
ishown iin ithe itable, iVia iSMS iscores imore icompare ito iother iwith i(73.9%), iEmail
i(17.4%), iBrouchers i(4.3%) iand iothers i(4.3%). i CHAPTER-VI FINDINGS FINDINGS iOF
iTHE iSTUDY The ioverall ipercentage iof iservicemen ihaving icomplete iknowledge
iabout ie- ibanking iservices iprovided iby ithe ibank iwhile iopening ian iaccount iin iit
iis i i53.2%, ithose ihaving isome iidea iabout iit iis i36.2% iand ithe ipercentage iof
ipeople ihave ino iawareness iof ie-banking i iin irural iarea iservices iprovided iby ithe
ibank iis i10.6%.

iIt ican ireasonably, ibe iconcluded ithat inearly i90% iof ithe ipopulation iis ihaving
iawareness iabout ie-banking i iin irural iarea iservices. The ipercentage idistribution iof
iawareness iavenues, ithe imajor iscenes iis iin ifavour iof ifriends/relatives, iwhich iscore
i42.6% iamong idifferent iavenues isuch ias ipersonal ivisit, iexecutives iof ithe
ibanks,advertisements iand ifriend/relatives. iWhile ithe ileast iscore iis ifor
iadvertisements.
E-banking i iin irural iarea iconstitutes iservices iprovided iin iterms iof iATMs, iDebit
iCard, iCredit iCard, iPhone iBanking, iMobile iBanking, iInternet iBanking ietc, iof iwhich
ithe ifirst isix ihave ibeen icovered. iAmongst ithese iDebit icard iscores i ithe ilargest
iused iservice istatus i(72.3%) iClose ion ithe iheels iis iMobile ibanking i(70.2%), iATM
i(68.1%),Phone ibanking i(63.8%),Internet ibanking i(59.6%), iwhile icredit icard ilags
ibehind iby iscoring ithe ileast iie.,42.6% When iasked ito ilist ivarious ibenefits iaccruing
ifrom ithe iusage iof ie-banking, itime isaving ireceived ihighest ipercentage iscore iat
i93.6% iamong idifferent ibenefits isuch ias itime isaving i(93.6%), iinexpensive i(38.3%),
ieasy iprocessing i(57.4%), ieasy ifund itransfer(46.8%).Quite iinterestingly, ieasy
iprocessing ifeature iscored imore ithan ithe iinexpensiveness.

iThe iother ibenefits iaccruing ito ithe ipeople iinclude iready iavailability iof ifunds,
iremoval iof imiddlemen iand ino irude icustomer irelationexecutives. From ithe inon
iusers, ian iattempt iwas imade ito ielicit ithe ireasons ifor iits inon iusage.. iSatisfaction
iwith itraditional ibanking iwas iconsidered ias iprime ide- imotivating ifactor, ifollowed
iclosely iby ithe ifear iof iinsecurity, ithen i„hidden icost‟ ifactor, iwhich isuggested itheir
iresistance ito ichange, iwhich ito isome iextent ican ibe icountered iby iaggressive
iadvertisement iand iutilizing iother imodes iof iawareness idissemination iaswell. Most
iof ithe ipeople iare isatisfied iwith ithe ibank iservices iwith i63.8% ias iservice iquality iis
iimproved inow idue ito ithe igrowth iof ithe itechnology, ipeople iwho iare ihighly
isatisfied iwith ibank iservices i(19.1%) iand ineutral iscored i ithe ileast ii.e, i17%.

People iusually iare ihaving ithe idisadvantage i iof iwaiting i iat ithe ibank iand isome iof
ithem ialso ihaving ithe iproblem iof idistance iof ithe ibank ias isome iof ithem istay ifar
iso iit iwill itake imuch itime ito itravel, itimings iof ithe ibank imay idiffer ifrom ithe ifree
itime iof ithe icustomer iand isome iof ithem ialso inot isatisfied iwith iquality iof ithe
iservices iprovided iby ithe ibank. Majority iof ithe imembers iare ihaving ian iopinion
iabout ichances ifor ithe idevelopment iof irural iareas ithrough ie ibanking i(76.6%) iand
isome iof ithem ithink iit imay ibe ihelpful iin idevelopment iof irural iareas ithrough ie
ibanking ii.e,(23.4%) ibut inot isure iabout iit. Commonly ipeople iin irural iareas iavoids
ie ibanking ior idoesn‟t ishow iinterest idue ito imany ireasons isuch ias ilack iof
iknowledge i(54.3%), ithe inext imain i ireason iis ipoor isignals i(28.3%), icommunication
ibarriers i(10.9%) iand ithe ileast iscored ireason iis ilack iof isecurity i(6.5%).

E ibanking ishould ibe iintroduced ito ieverywhere iand ieveryone ito imake ipeople
iaware iabout idigital ipayments iso ithat ipeople iwill iget ieducated iand ialso ithere
iwill ibe ino iinvolvement iof ithe imediator iand ialso ino ichances ifor ithe ifraudulent.
Bank iprovides ithe iinformation iof ie ibanking ifacilities iwhich iis ibeing iprovided iby
ithe ibank ito iits icustomers ithrough idifferent isources isuch ias iSMS ias iscores ihigh
iwith i(73.9%), ialso isends ithe ie imail ito iits icustomer ias iit iscores(17.4%), iand ialso
iby idistributing ibrouchersi.e, i(4.3%) iand ialso ithrough iother imediums. Majority iof
ithe ipeople ii.e, i90% i ithink ie ibanking iis ithe isafest iway ito itransfer the imoney
iwhile i10% iof ithe ipeople ithink ias iit iis inot iso isafe ito ideal iwith ias ithere imust ibe
ichances iof ihacking iand icheating.

CHAPTER-VII SUGGESTIONS iAND iCONCLUSIONS SUGGESTIONS Internet ibanking

iwould idrive ius iinto ian iage iof icreative idestruction idue ito inon-physical iexchange,
icomplete itransparency igiving irise ito iperfectly ielectronic imarket iplace iand
icustomer isupremacy. iThe iquestion ito ibe iasked iright inow iis i"What ithe iIndian
iBanks ishould ido" iWhatever iis ithe istrategy ichosen iand ioptions iadopted, icertain
ikey iparameters iwould idetermine ithe ibank's isuccess ion iweb. For ilong-term
isuccess, ia ibank imay ifollow: Adopting ia iwebs imindset Catching ion ithe ifirst
imover's iadvantage iRecognizing ithe icore icompetencies Ability ito ideal imultiplicity
iwith isimplicity isenior iManagement iinitiative ito itransform ithe iorganization ifrom
iinward ito ioutward ilooking Aligning iroles iand ivalue ipropositions iwith ithe
icustomer isegments iRedesigning ioptimal ichannel iportfolio iacquiring inew
icapabilities ithrough istrategic ialliances.

The iabove ican ibe iimplemented iin ifour isteps: Familiarizing ithe icustomer ito inew
ienvironment iby idemo iversion iof isoftware ion ibank's iweb isite. iThis ishould
icontain itour ithrough ithe ifeatures iwhich iare ito ibe iincluded. iIt iwill ienable iusers
ito igive isuggestions ifor iimprovements, iwhich ican ibe iincorporated iin ilater
iversions iwherever ifeasible. Second iphase iprovides iservices isuch ias iaccount
iinformation iand ibalances, istatement iof iaccount, itransaction itracking, imailbox,
icheck ibook iissue, istop ipayment, ifinancial iand icustomized iinformation.
The ithird iphase imay iinclude iadditional iservices isuch ias ifund itransfers, iDD iissue,
istanding iinstructions, iopening ifixed ideposits, iintimation iof iloss iof iATM icards.

The ilast istep ishould iinclude iadvanced icorporate ibanking iservices ilike ithird iparty
ipayments, iutility ibill ipayments, iestablishment iof iL/Cs, iCash iManagement iServices
ietc. iEnhanced iplan ifor ithe icustomers iin ifuture ican iinclude irequests ifor idemand
idrafts iand ipay iorders iand imany imore ito ibring iin ithe iultimate iin ibanking
iconvenience. Also iif iproper itraining ishould ibe igiven ito icustomer iby ithe ibank
iemployees ito iopen ian iaccount iwill ibe ibeneficial isecondly ithe iwebsite ishould ibe
imade ifriendlier ifrom iwhere ithe ifirst itime icustomers ican idirectly imake iand iaccess
ithere iaccounts.

We ican isee ithe itime iis ichanging iand ias ithe ipassage iof itime ipeople iare
iaccepting itechnology ithere iis istill ia ilot iof iperceptual iblocking iwhich ihampers ithe
igrowth iit‟s ithe inormal itendency iof ia ihuman inot ito ihave ichanges iwork ion ithe
iold itrack, ithat‟s ialso ione iof ithe ireason ifor ithe islow iacceptance iof iinternet
ibanking iaccounts. Give iproper itraining ito icustomers ifor iusing-banking Create ia
itrust iin imind iof icustomers itowards isecurity iof ithere iaccounts Provide ia iplatform
ifrom iwhere ithe icustomers ican iaccess idifferent iaccounts iat isingle itime iwithout
iextra icharge. Make ithere isites imore iuser-friendly. Customers ishould ibe imotivated
ito iuse ie ibanking ifacilities imore.
CONCLUSION The iusage iof iE-banking i iin irural iarea iis iall iset ito iincrease iamon ie
iservice iclass.

iThe iservice iclass iat ithe imoment iis inot iusing ithe iservices ithoroughly idue ito
ivarious ihurdling ifactors ilike iinsecurity iand ifear iof ihidden icosts ietc. iSo ibanks
ishould icome iforward iwith imeasures ito ireduce ithe iapprehensions iof itheir
icustomers ithrough icampaigns iand imore imeaningful iadvertisements ito imake
iE-banking i iin irural iarea ipopular iamong iall ithe iage iand iincome igroups. iFurther,
iwith iincreasing iconsumer idemands, ibanks ihave ito iconstantly ithink iof iinnovative
icustomized iservices ito iremain icompetitive. iE-banking i iin irural iarea iis ian
iinnovative itool ithat iis ifast ibecoming ia inecessity.

iIt iis ia isuccessful iawareness istrategic iweapon ifor ibanks ito iremain iprofitable iin ia
ivolatile iand icompetitive imarketplace iof itoday. In ifuture, ithe iavailability iof
itechnology ito iensure isafety iand iprivacy iof ie-BI iguidelines ion ivarious iaspects iof
iinternet ibanking iwill idefinitely ihelp iin irapid igrowth iof iinternet ibanking iin iIndia.
 QUESTIONAIRE 1.Name iof ithe irespondent i i 2.Gender Male Female i3.Email
4.Contact iNo 5.Age Upto i20 iyears 21 ito i30 iyears 31 ito i40 iyears 41 ito i50 iyears
6.Educational iqualification Graduate Post igraduate Professional Private iemployee
7.Occupation Student Business Private iemployee Government iemployee 8. iDo iyou
ihave ian iaccount iin ibank? Yes no 9.While iopening iof ithe iaccount, iwere iyou iaware
iof ie ibanking iprovided iby iyour ibank? Fully iaware Had ian iidea No 10.How idid iu
iget ito iknow iabout iE ibanking iof iyour ibank? Personal ivisit Executive ifrom ithe
ibank Advertisements Friends i/Relatives 11.Which iof ithe ifollowing iE ibanking iare
iyou iaware iof? ATM Debit icard Credit icard Phone ibanking Mobile ibanking Internet
ibanking 12.Which iof ithe ifollowing ibenefits iaccrue ito iyou,while iusing ie ibanking?
Time isaving Inexpensive Easy iprocessing Easy ifund itransfer 13.To iwhat iextent iare
iyou isatisfied iwith iyour ibanks? Highly isatisfied Satisfied Neutral Dissatisfied Highly
idissatisfied 14.What iother iservices iyou iwould ilike ito ihave ithrough iE ibanking?
15.What iare ithe imain idisadvantage iof ivisiting ibank ibranch? Waiting Distance
Opening itime Quality iof iservice 16.Do iyou ithink iE ibanking ihelps ito idevelop irural
iareas? Yes No May ibe 17.Do iyou ihave iinternet iaccess ion iyour imobile iphone? Yes
NO 18.Major ireasons ifor iavoiding iE ibanking iin irural iareas Lack iof isecurity Lack iof
iknowledge Poor isignals Communication ibarriers 19.Why iE ibanking ishould ibe
iintroduced iin irural iareas? To iavoid ifraudulent To imake ipeople iaware iabout idigital
ipayments To iavoid imediator To ieducate ipeople 20.Do iyou ithink iE ibanking iis
isafe? Yes No 21.How idoes iyour ibank iprovide iE idetails ito iyou? Via iSMS E imail
Brouchers Others BIBLIOGRAPHY i i i i i iBOOKS “An iempirical istudy iof icustomers
isatisfaction ifrom iE ibanking iin iIndia”-Nishi iSharma, iChandigarh, iIndia.

“Awareness iof iE ibanking iservices iamong irural

icustomers”-Reshma,Aishwaryadevi,Kerala,India.(2017) “Digital ibanking iservices iin
irural iindia:A icustomer‟s iperspective”-ML iAshoka,India.(2019) WEBSITES -
iwww.puchd.ac.in - iwww.igi.global.com - iwww.icommercecentral.com

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