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CONSUMERSPERCEPTIONS

ONKCC BANK

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HISTORY

Came into existence on 17th March 1920.

Dharmshala Banking Union was merged and1st Branch of the Bank opened at dharmshala in

1927 Indora Banking Union was merged and 2nd

Branch of the Bank opened at Nurpur inJan1956

Palampur Banking Union was merged and 3rdBranch of the Bank opened at Palampur inJan1957

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CONT.

The Bank suffered losses because of thepartition in 1947 to the tune of Rs.10.64 Lacs

In Mar 1962, the bank suffering from the setbackof partition was granted Rs.4.09 Lacs by theGovt.

Govt also provided Interest Free Relief Loan ofRs.3.98 Lacs and Govt of India Loan of Rs.4.97Lacs @ 3.87% in 1962 In 1971-72

The Bank entered into the deposit mobilisation

scheme of Pong Dam Area aggressively andsecured maximum share of Deposit BankDeposits increased from Rs. 256 Lacs to Rs.1054 Lacs in 1973-74.

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MANAGEMENT TEAM

Sh. Hans Raj Chauhan Managing Director

Shri Jagdish Sepahia

Chairman

Shri Karan Singh Pathania Vice Chairman

Shri Ajit Paul Mahajan Director

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PRODUCT SCOPE

KCC Bank Ltd. offers a bunch of products andservices to meet the every need of the people.The company cares for both, individuals aswell as corporate and small and medium

enterprises. For individuals, the company has a range

accounts, investment, and pension scheme,different types of loans and cards that assist

the customers. The customers can choose the suitable one

from a range of products which will suit theirlife-stage and needs.

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Consumers Perceptions On KCC

Bank,

At KCC Bank, I was assigned with the topic as

"consumers Perceptions on KCC Bank for

my project work. I joined the company as a

Personal Banker. The selection of the topic wasto know how the company generates business

through them. Personal Banker is those sources

of a company who have their own relations and

personal contacts among common public thatthey use to generate business through.

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OBJECTIVES OF THE STUDY

1. To study the customers perception about

KCC Bank.

2. To measure the awareness level of people

regarding direct banking channels, productsoffered by KCC bank.

3. To increase the business of the bank.

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RESEARCH METHODOLOGY

Research methodology is way to systematically

solve the research problem.

The research methodology includes the various

methods and techniques for conducting aresearch.

D.Salinger and M. Stephenson in the

encyclopedia of social sciences define research

as themanipulation of things, concepts or verify

knowledge, whether that knowledge aids in

construction of theory or in the practice of an

art

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COLLECTION OF DATA:

SECONDARY DATA: It was collected frominternal sources. The secondary data wascollected on the basis of organizational file,official records, preserved information in thecompanys database and website of thecompany.

PRIMARY DATA: All the people from differentprofession were personally visited andinterviewed. They were the main source ofPrimary data. The method of collection ofprimary data was direct personal interviewthrough a structured questionnaire.

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SAMPLE SIZE

My sample size for this project was 50

respondents. Since it was not possible to

cover the whole universe in the available time

period, it was necessary for me to take asample size of 50 respondents.

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QUESTION WITH ANALYSIS AND

INTERPRETATION:

Your Occupation?

Category No. of Resp. %

Business 14 28

Profession 12 24Service 18 36

Students 6 12

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From which bank you have bank

account?

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what is your perception about different

products/services provided by KCC bank?

48%

42%

10%

LUCRATIVE

NOT LUCRATIVE

NOT IDEA

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Is the staff of KCC bank is co-

operative?

68%

22%

10%

0%

10%

20%

30%

40%

50%

60%

70%

80%

YES NO NO IDEA

Series1

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Q.If you get opportunity in future would you

like to be attached with KCC bank ?

76%

24%

YES

NO

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CONCLUSIONS:

KCC Bank, the banking arm of KCC is expected to goon stream. The bank already has good number ofemployees on board and is recruiting personal banker. Itis on the brim of increasing its customers through its

attractive schemes and offer. So, at last the conclusion is that there is tough

competition ahead for the company from itsmajor competitors in the banking sector. Last but not theleast I would like to thank KCC Bank for giving me an

opportunity to work in the field of Operation andMarketing. I hope the company finds my analysisrelevant.

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hanks