welfare facility provided to employees by bank of india

8/12/2019 Welfare Facility Provided to Employees by Bank of India

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PROJECT REPORT

ON

WELFARE FACILITY PROVIDED TO EMPLOYEES BY BANK OF

INDIA

INDEX


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SR. NO CHAPTER PAGE NO

Executives summ!"

1 I#t!$%ucti$#

2 B#& $' (!$'i)e

3 A*$ut +e)'!e 'ci)it"

4 Rese!c, Met,$%$)$-"

5 Dt #)"sis #% t*u)ti$#

6 O*se!vti$# #% c$#c)usi$#

7 Bi*)i$-!(,"

8 .uesti$##i!e/

EXECUTIVE SUMMERY


3/38

We)'!e me#s '!i#- $! %$i#- +e))/ It is c$m(!e,e#sive te!m0 #% !e'e!s t$ t,e (,"sic)0

me#t)0 m$!) #% em$ti$#) +e))1*ei#- $' # i#%ivi%u)/ Fu!t,e!0 t,e te!m +e)'!e is !e)tive

c$#ce(t0 !e)tive i# time #% s(ce/ It t,e!e'$!e0 v!ies '!$m time t$ time0 !e-i$# t$ !e-i$# #%

'!$m c$u#t!" t$ c$u#t!"

B#& $' I#%i is $#e $' t,e (!emie! *#&s i# t,e c$u#t!" (!$vi%i#- +e)'!e 'ci)it" i# %%iti$# t$

-$$% s)!"/ B#& is s(e#%i#- )$t $' m$#e" $# t,e em()$"ee +e)'!e/ T,e ex(e#ses s(e#t *" t,e

$!-#i2ti$# !e )ess i# !etu!# t$ t,e *e#e'its +,ic, it !eceives '!$m t,e em()$"ee3s ,!% +$!&/

We)'!e 'ci)it" (!$vi%e% *" $!-#i2ti$# is u#i4ue '$! )) t,e em()$"ees/ T,e $#)" %i''e!e#ce is

t,t t,e t$( )eve) $''ice!s !eceive s$me %%iti$#) 'ci)it" )$#- +it, !$uti#e $#e/

Wit, t,e ,e)( $' t,e (!$5ect $# ttem(t is m%e t$ stu%" t,e +e)'!e mesu!e (!$vi%e% t$

em()$"ees/ W,t is t,e (!$ce%u!e0 time !e4ui!e% '$! s#cti$#i#- +e)'!e 'ci)it" #% suc, $t,e!

*sis ($)icies $' t,e $!-#i2ti$#/

T,e stu%" is *se% $# t,e i#'$!mti$# c$))ecte% '!$m !es($#%e#t t,!$u-, 4uesti$##i!e/ T,e %t

#)"2e% is (!ese#te% i# t,e '$!m $' -!(,s #% $# t,e *sis $' t,t c$#c)usi$# !e m%e/ I# t,e

)st0 t,e !e4ui!e% su--esti$#s !e -ive#/

A'te! #)"2i#- t,e %t it is '$u#% t,t t,e em()$"ees !e stis'ie% +it, t,e +e)'!e 'ci)ities

(!$vi%e% t$ t,em *" t,e *#&/

CHAPTER 1: INTRODUCTION

We)'!e is *se% c$#ce(t em()$"ees +e)'!e is c$m(!e,e#sive te!m i#c)u%i#- v!i$us se!vices0

*e#e'its #% 'ci)ities $''e!e% *" t,e em()$"ees t,$u-,t suc, -e#e!$us '!i#-e *e#e'its t,e

em()$"e!s m&es )i'e +$!t, )ivi#- '$! em()$"ees t,e +e)'!e me#ities exte#% i# %%iti$# t$

#$!m) +-es 6 $t,e! ec$#$mic !e+!%s vi)*)e t$ em()$"ees s (e! t,e )e-) (!$visi$#/


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T,e v!i$us +e)'!e mesu!es (!$vi%e% *" t,e em()$"ees +i)) ,ve imme%ite im(!t $# t,e

,e)t,0 (,"sic) 6 me#t) e''icie#c"0 )e!t#ess0 m$!) 6 $ve!)) e''icie#c" $' t,e +$!&e!s 6 t,e!e

* c$#t!i*uti$# t$ t,e ,i-,est (!$%uctivit"/

We)'!e mesu!es m" )s$ *e (!$vi%e% *" t,e -$ve!#me#t t!%e u#i$#s0 #% #$#1-$ve!#me#t

-e#cies i# %%iti$# t$ t,e em()$"e!/ T,e *sics (u!($se $' +e)'!e 'ci)it" is t$ e#!ic, t,e )i'e $'

em()$"ees #% &ee( t,em ,((" #% c$#te#%e%/

1) SCOPE

T,e )*$! i#vesti-ti$# c$mmittee1 #"t,i#- %$#e '$! i#te))ectu) (,"sic)0 m$!) #% ec$#$mic

*ette!me#t $' t,e +$!&e!s0 +et,e!0 *" em()$"e!s $! -$ve!#me#t $! $t,e! -e#cies $ve! #%

*$ve +,t is #$!m))" ex(ecte% $# t,e (!t $' t,e c$#t!cte% *e#e'its '$! +,ic, +$!&e!s m"

,ve *!-i#e%/

T,e c$mmittee $# )*$u! +e)'!e1 t$%"0 +e)'!e is -e#e!))" cce(te% *" em()$"e!s/ T,e stte

ste(s i#t$ +i%e# t,e !e $' t,e (()ic*i)it" $#)"/ We)'!e is *ei#- )$$&e% t s s$ci) !i-,t $'

+$!&e!s/ T,e c$mmittee %esc!i*e% it s s$ci) secu!it" mesu!es t,t c$#t!i*ute t$ im(!$ve t,e

c$#%iti$# u#%e! +,ic, +$!&e!s !e em()$"e% i# I#%i/ 789:9 !e($!t; )*$u! +e)'!e i#c)u%es *$t,

sttut$!" s +e)) s #$# sttut$!" ctivities u#%e!t&e# *" t,e em()$"e!s0 t!%e u#i$# 6 *$t, t,e

ce#t!) 6 stte -$ve!#me#t '$! t,e (,"sic) 6 me#t) %eve)$(me#t $' +$!&e!s/

2) IMPORTANCE

T,e *e#e'its !e $' -!et im($!t#ce t$ t,e +$!&e! +,ic, ,e is u#*)e t$ secu!e *" ,imse)'/ T,e

sc,eme $' )*$u! +e)'!e m" *e !e-!%e% s +ise i#vestme#t *ecuse t,ese +$u)% *e t,e

(!$'it*)e !etu!#s i# t,e '$!m $' -!et e''icie#c"/

T,e +$!&i#- e#vi!$#me#t i# 'ct$!" %ve!se)" ''ects excessive ,et $! c$)%0 #$ise0 'umes0 %ust

$! )c& $' s#itti$# #% (u!e i!/ Suc, $((!essive c$#%iti$#s c!ete ,e)t, (!$*)ems '$! +$!&e!s/

T,ese ,ve t$ *e c$#ti#e% t,!$u-, (!eve#tive ste(s ime% t im(!$vi#- t,e )$t $' +$!&e!s/

A#$t,e! !es$# i# '$v! $' +e)'!e +$!& is c))e% s s$ci) i#vsi$# $' t,e 'ct$!"/ W$!&e!s '!e

)$t $' %5ustme#t (!$*)em +,e!e t,e" t&e u( 'ct$!" +$!&/ T,e )$#-est e#vi!$#me#t0 #$is"


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mc,i#es0 S)um !e/ T$ esc(e '!$m suc, t!"i#- c$#%iti$#0 t,e +$!&e! si-#s $' i#%isci()i#e/

Suc, c,#-es $+# s t,e s$ci) i#vsi$# $' t,e 'ct$!"0 c)) '$! ext! i#%uceme#ts i# t,e

+$!&()ce/ I# %%iti$# t$ #$!m) +-es0 s$ t,t t,e +$!&e!s *e-i# t$ e#5$" 'u))e! #% !ic,e! )i'e/

3) OBECTIVES O! THE "E#!ARE PROGRAMMES

T,e im($!t#t $*5ectives $' t,e +e)'!e !e/

8; T$ *$$st u( em()$"ees m$!)


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Rec!eti$# 'ci)it" V$cti$#) t!i#i#-

C#tee# @$)i%" ,$mes

Su*si%ies '$$% C$1$(e!tive st$!es

Me%ic) i% Fi!(!ices s,$(s

S$ci) i#su!#ce

#%&'( *+,-%+ %/ %,0' &+ + ' *' %+'+0

8; Sttut$!" +e)'!e +$!& c$m(!isi#- t,e )e-) (!$visi$# i# v!i$us (ieces $' )*$u!

)e-is)ti$#


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T,e c$mmittee #% +$!&e! )*$u! +e)'!e0 89:9 !ec$mme#%e% t,e (!$visi$# $' t!#s($!t 'ci)it"

t$ +$!&e!s s$ t,t t,e" c# !ec, t,e +$!&()ce (u#ctu))" #% c$m'$!t*)e/

>;RECREATION

T,!$u-, t,e!e is #$ sttut$!" sti(u)ti$# i# t,is !e (!$-!essive em()$"e!s *$t, i# t,e (u*)ic #%

(!ivte sect$! c$#sci$us)" $''e!e% 'ci)it" '$! !ec!eti$# s($!ts #% cu)tu!) ctivities '$! exm()e1

c$m(#ies )i&e NIIT #% TISCO ,ve (($i#te% c,ie' 'u# $''ice! t$ t&e c!e $' (!ties #%

'u#cti$#s ,e)% $# eve!" F!i%"/ I# %%iti$# t$ ,$)i%" (c&-es0 %ti#- ))$+#ces0 ##ive!s!"0

*i!t,%" -i't0 -mes #% c$m(etiti$# #% +ee&e#% 6 eti#- sessi$#/

5)OTHER !ACI#ITY

T,ese !e *sic))" i#te#%e% t$ im(!$ve t,e c$m'$!t )eve) $' +$!&e!s +,i)e t +$!& 6 i#c)u%e t,e

'$))$+i#-

C#tee#0 !est!$$m #% )u#c,!$$m

Ws,i#- 'ci)it"0 me%ic) i%0 )eves t!ve)

C$#sume! c$$(e!tive st$!es/


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CHAPTER 2: PRO!I#E O! THE BAN

BANING SYSTEM

Wit,$ut s$u#% #% e''ective *#&i#- s"stem i# I#%i it c##$t ,ve ,e)t," ec$#$m"/ T,e

*#&i#- s"stem $' I#%i s,$u)% #$t $#)" *e ,ss)e '!ee *ut it s,$u)% *e *)e t$ meet #e+

c,))e#-e ($se% *" t,e tec,#$)$-" #% #" $t,e! exte!#) # i#te!#) 'ct$!s '$! t,e (st t,!ee

%ec%es I#%i3s *#&i#- s"stem ,s seve!) $utst#%i#- c,ieveme#t t$ its c!e%it/ T,e m$st

st!i&i#- is its exte#sive !ec,/ It is #$ )$#-e! c$#'i#e% t$ $#)" met!$($)it# $! c$sm$($)it# i#I#%i/ I# 'ct0 I#%i# *#&i#- s"stem ,s !ec,e% eve# t$ t,e !em$te c$!#e! $' t,e c$u#t!"/ T,is is

$#e $' t,e mi# !es$#s $' I#%i3s -!$+t, (!$cess/

T,e B#& $' I#%i +s '$u#%e% i# t, se( 89:9 #$+0 B#& $' I#%i 0is *$%" c$!($!te

c$#stitute% u#%e! t,e *#&i#- c$m(#ies ct0 890 +,ic, its ,e% $''ice t st! ,$use0 ()$t #$ C1

?0 *)$c&0 B#%!1Ku!) C$m()ex0 B#%! Est/ Mum*i 1>?8/ T,e *#& is %$i#- t,e

*usi#ess $' *#&i#- +,ic, me#s t,e cce(ti#- $' %e($sits '$! t,e (u!($se $' )e#%i#- $!

i#vestme#t0 $' %e($sit $' m$#e" '!$m t,e (u*)ic0 !e("*)e $# %em#% $! $t,e!+ise0 +it,%!+)

*" c,e4ue0 %!'t0 $!%e! $! $t,e!+ise i# %%iti$# t$ t,e *usi#ess $' *#&i#- *#& is )s$ e#--e% i#

$t,e! '$!ms $' *usi#ess s c$#tem()te% u#%e! sec :78; $' t,e B#&i#- Re-u)ti$# Act0 89>9/

GT,e -$ve!#me#t $' I#%i c$me u( +it, t,e B#&i#- C$m(#ies Act089>9 +,ic, +s )te!

c,#-e% t$ B#&i#- Re-u)ti$# ct 89>9 s (e! me#%i#- Act $' 89:? Rese!ve B#& $' I#%i +s

veste% +it, exte#sive ($+e! '$! t,e su(e!visi$# $' *#&i#- i# I#%i s t,e ce#t!) *#&i#-

ut,$!it"/ H

T,e B#& $' I#%i ,s u#%e!-$#e v!i$us (,ses i# its -!$+t, (t, $ve! t,e )st $#e ,u#%!e%

"e!s t,e !$+t, $' B#& $' I#%i +s (,e#$me#)0 es(eci))" 'te! #ti$#)i2ti$# i# t,e "e!

89:9 tti#i#- t,e sttus $' #ti$#) )eve) ()"e! i# te!m $' -e$-!(,ic) !ec,/

T$%"0 BOI $ccu(ies (!emie! ($siti$# i# t,e c$mmittee $# I#%i# *#&s0 eme!-i#- s t,e

)!-est #ti$#)i2ti$# B#& $' I#%i i# te!ms $' --!e-tes *usi#ess v$)ume '$!


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u#*!$&e# !ec$!% $' (!$'its si#ce its i#ce(ti$#0 BOI c$#ti#u$us its +i##i#- (e!'$!m#ce i# "e!

$' Acc$)%es 6 A+!%s/

ACCO#ADES $ A"ARDS

NDTV (!$'it *usi#ess )e%e!s,i( +!%s


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T$ eme!-e s *est (!ctice *#& *" (u!sui#- -)$*) *e#c,m!&s i# (!$'it*i)it" $(e!ti$#)

e''icie#c"0 sset 4u)it"0 !is& m#-eme#t 6 ex(#%i#- t,e -)$*) !ec,

MISSION

T$ (!$vi%e 4u)it" *#&i#- se!vices +it, e#,#ce cust$me! $!ie#tti$#0 ,i-,e! v)ue c!eti$# '$!

st&e,$)%e! 6 t$ c$#ti#ue s !es($#sive c$!($!te s$ci) citi2e# *" e''ective)" *)e#%i#-

c$mme!ci) +it, s$ci) *#&i#-/

BANING SCHEME

1) STAR DHANVANTARI SUVIDHA SCHEME

L$# '$! t,e me%ic) (!$'essi$#) t$ set u( #$+ c)i#ic0 ex(#si$# $' existi#- c)i#ic0 (u!c,se $'

e4ui(me#t0 etc/ u( t$ Rs/? )&,s0 ("*)e i# EMIs +it,i# "e!s


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2) PRIYADARSHANI YONA

Sc,eme '$! )) t"(es $' +$me# e#t!e(!e#eu! e#--e% i# ec$#$mic ctivities suc, s mic!$ #%

sm)) e#t!e(!e#eu!0 !tis#s0 (!$'essi$#) 6 se)' em()$"e%0 i#c)u%i#- '$! t,e (u!($se -!icu)tu!e

#% ,i-,e! e%ucti$#/ We $''e! c$#cessi$#) !te $' i#te!est u( t$ 880 $# t,e (()icti$# !te0

*esi%es $t,e! !e)xe% te!m c$#%iti$#/

3) SCHEME !OR TAX RETURN PREPARER

A #e+ sc,eme i#t!$%uce% +it, vie+ t$ (!$vi%i#- em()$"me#t t$ e%ucte% "$ut, +,$ !e

t!i#e% s tx !etu!# (!e(!es/ O#e c# vi) )$# u( t$ Rs/?01 +it, !e)xe% te!m c$#%iti$#

4) STAR #AGHU UDYOG SUVIDHA

B$!!$+e!s +,$se u#it e#5$"s )imits i# excess $' Rs/8 )cs #% ,vi#- #et (!$'it t )est %u!i#-

t,e )st "e!s #% ##u) tu!#$ve! i# excess $' Rs/? )cs0 !e e)i-i*)e '$! # %%iti$#) %v#ce

'ci)it" $' ? $' t,e !e-u)! )imits e#5$"e%0 su*5ect t$ mximum Rs/? )cs0 t$ meet tem($!!"

)i4ui%it" c$#st!i#ts/

5) NORMA# GRAM YONA

As (!t $' $u! c$!($!te s$ci) !es($#si*i)it"0 $u! *#& ,s )u#c,e% !u!) s#itti$# sc,eme t$

(!$vi%e civic #% (e!s$#) )"-i#es 'ci)it" *" (!$vi%i#- ssist#ce '$! c$#st!ucti$# $' )$+ c$st

t$i)et i# !u!) !es/ Ou! *#&s ,s s$ '! s#cti$#e% =:> !u!) ,$use,$)% '$! c$#st!ucti$# $'

t$i)ets #% e#su!e% 8 s#cti$# i# =8< vi))-es i# t,e stte $' M,!s,t!/ T,e $utst#%i#-

u#%e! t,e sc,eme is Rs/ 8?/< c!$!e/

6) ANASHREE BIMA YOANA

J#s,!ee Bim Y$5#0 %et,1cum1%is*i)it" i#su!#ce sc,eme '$! t,e mem*e! $' se)' ,e)(

+$me# -!$u( c!e%it )i#&e% t$ t,e *#& is *ei#- im()eme#te%/ It (!$vi%es )i'e i#su!#ce c$ve! t$

t,e !u!) #% u!*# ($$! (e!s$# )ivi#- *e)$+ ($ve!t" )i#e #% m!-i#))" *$ve ($ve!t" )i#e/

A%%iti$#))" sc,$)!s,i( ))$+#ce 7#%e! S,i&s, S,"$- Y$-#; is )s$ vi)*)e t$ t,e

c,i)%!e# $' t,e mem*e!s $' +$me# S@/ T,e st#%!% +i)) -et sc,$)!s,i( $' Rs/:1 (e! ,)'

"e! (e! c,i)% '$! mximum (e!i$% $' > "e!s/ T,e *#& ,s si-#e% m$ve +it, LIC t$

im()eme#t t,e sc,eme t,!$u-, $u! *!#%s u(t$ =/:/


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7) SCHEME !OR SO#AR "ATER HEATERS

S$)! +te! ,ete! +it, *$t, ')t ()te $! ev)ute% tu*u)! c$))ect$!s 7$' t,e si2e; '$! #" e#%

use!s suc, s i#%ivi%u)0 i#stituti$#s0 #$# c$mme!ci) $!-#i2ti$#s c$mme!ci) $!-#i2ti$#

7,$te)0 ,$s(it)0 etc; 'i##ci#- u( t$ ? $' t,e )$st $' t,e (!$5ect/ T,e e4ui(me#t ,s t$ *e

(u!c,se% '!$m

B) DEPOSITED SCHEME

1) STAR SURASHA SAVING BANS DEPOSIT SCHEME:9

A# u#i4ue cc$u#t '$! i#%ivi%u) 7exc)u%i#- NRI; +it, ,$st $' *e#e'it i#c)u%i#- cci%e#t) %et,

*e#e'it #% $#e DD '!ee $' c$st eve!" m$#t, +,ic, ,e)(s t$ !emit m$#e" t$ $u! %$$! $#ce eve!"

m$#t,/ T,e mi#imum *)#ce is &e(t t Rs/?1

2) STAR BENE!IT CURRENT DEPOSIT SCHEME

A u#i4ue (!$%uct '$! eve!" $#e es(eci))" '$! t!%e! 6 m#u'ctu!es +it, < t!ee DDs i# m$#t,/

T,is ,e)(s i# (u!c,si#- -$$%s !$+ mte!i) #% 'ci)it" $' %e($siti#- c,e4ue t #" *!#c, $'

BOI ,vi#- BOI B!/ F$! its c)e!i#- t 4uesti$# t,!$u-, *#&s st! s(ee% c,e4ue c$))ecti$#

sc,eme '!ee t c$st +,ic, sve time s +e)) s c$st/ T,e mi#imum A.B is &e(t t Rs/?1

3) STAR SAVING P#US: 9 PRIVI#EGE CUSTOMER)

C$#ve#ie#ce $' svi#- cc$u#t #% !etu!# $' 'ixe% %e($sit st! svi#- ()us $''e! ,$st $' *e#e'it

i# mi#imum *)#ce $' 5ust Rs/


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C) BAN #OAN SCHEME

1) STAR EDUCATION #OAN

T,e stu%e#t $' I#%i# #ti$#)it" ,vi#- -$$% c%emic !ec$!% +,$ ,s secu!e% %missi$# t$

(!$'essi$#) tec,#ic) c$u!se i# I#%i $! *!$%/

2) STAR HOME #OAN

F$! c$#st!ucti$# (u!c,se $' ,$use ')t Rs/= )&,

F$! !e(i!s !e#$vti$# exte#si$# %%iti$# Rs/


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B#& $' I#%i i#t!$%uce% '!ie#%)" i#ititive '$! t,e c$#ve#ie#ce $' (e#si$#e!/ Pe#si$# %e)ive!"

t$ t,e (e#si$#e! t$ *e m%e t t,ei! ()ce $' !esi%e#ce t,!$u-, ($st $''ices/

5) ON#INE BANING SERVICES

A) STAR CONNECT INTERNET BANING

cust$me! '!ie#%)" 'ci)it" vi)*)e '!ee $' c$st t$ )) t,e !eti) #% c$!($!te cust$me! $' c$ve!

8


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CHAPTER 3: ABOUT "E#!ARE !ACI#ITY

BOI (!$vi%e t,e '$))$+i#- +e)'!e 'ci)it" t$ t,ei! em()$"ees /

8; C#tee#


16/38

BOI est*)is,e% ,$)i%" ,$mes t #um*e! $' ,i)) stti$#0 ,e)t, !es$!t 6 $t,e! c$u#t!ies

+it, )$+ c,!-es $' cc$mm$%ti$#0 s$ s t$ e#c$u!-e em()$"ees t$ use t,is 'ci)it" '$! !est

i# s)u*!i$us e#vi!$#me#t/

4) REIMBURSEMENT O! EDUCATIONA# BENE!IT

T,e sc,eme is i#te#%e% t$ !eim*u!se e%ucti$#) ex(e#ses i#cu!!e% *" em()$"ees '$!

e%ucti#- ,is ,e! c,i)%!e# #%$! *" se)' '$! (e!secuti#- ,i-,e! stu%ies/

5) GOOD "ORING CONDITION

+$!&i#- c$#%iti$# i# *#& !e exce))e#t t,e e#vi!$#me#t is #et #% c)e# eve!"+,e!e 6 t0

(!emises -!%e#i#- is %$#e s$ t,t -!ee#e!" is t,e!e t,e ()es#t e#vi!$#me#t $' *#& &ee(s

em()$"ees 'it 6 'i#e

6) REIMBURSEMENT O! EXPENSES TO"ARDS MEDICA# CHEC9UP

Em()$"ees *$ve > "e! $' -e !e c$ve!e% u#%e! t,e sc,eme !eim*u!seme#t is (e!missi*)e

t$+!% me%ic) c,ec&1u( $' s($use )s$/ Reim*u!seme#t is (e!mitte% $#ce %$i#- t,e "e!/

A# em()$"ee c)imi#- '$! !eim*u!seme#t ,s t$ su*mit t,e *i)) #% ce!ti'icte '!$m t,e

%$ct$! stti#- t,t t,e em()$"ees($use ,s ,ve u#%e!-$#e t$t) me%ic)1 c,ec& u(/

BOI >'+ ?+ -',,'* 0>+%, *+,-%+ -%,/. T?0 -%,/ 0 >'+ ' ?+ '>

,++, '--+0 ',/

8; OFFICIATIN ALLOWANC

; DEPTATION TO TRAININ CENTER

?; REIMBRSEMENT OF TRAVELIN EPENSES ON MONT@ CONSOLIDATED

BASIS/


17/38

1) O!!ICIATING A##O"ANCE

: $' BP (m/ P!$vi%e% t,e (e!i$% $' $''iciti#- is #$t )ess t,# %"s i# c)e#%! m$#t, $!

c$#ti#u$us (e!i$% $' %"s/ T,is ))$+#ce +i)) !#& '$! PF $#)"/

2) DEPUTATION A##O"ANCE

i' # $''ice! is %e(ute% t$ se!ve s mem*e! $' t,e 'ci)it" i# #" tec,i#- est*)is,me#t $'

t,e *#& ,e s,)) *e e)i-i*)e t$ %e(utti$# ))$+#ce t > $' ,is BP su*5ect t$ mximum

$' Rs/?1 (m/ ,$+eve!0 i' %e(ute% t$ # $utsi%e $!-#i2ti$# #% %$es #$t $(t '$! t,e sc)e

$' t,t $!-#i2ti$# t,e# t,e %e(utti$# ))$+#ce +i)) *e /? $' t,e *sis (" su*5ect t$

mximum $' Rs 8?(m

3) MEDICA# AID

T,e !eim*u!seme#t $' *e% c,!-es0 2$#) m#-e! ,s t$ ut,$!i2e%0 '$! s#cti$#i#- c,!-es

'$! $''ice!s '$! t!etme#t $' se)'0 u( t$ Rs/81 '$! $''ice! i# sc)e IV 6 *$ve #% u( t$

Rs/?1 '$! $''ice! u( t$ sc)e III #% '$! c,!-es i#cu!!e% $ve! t,e '$!eme#ti$#e% m$u#t

2$#) ut,$!it" m" !ec$mme#%e% t$ @/O/ '$! !eim*u!seme#t 8 !eim*u!seme#t '$!

$''ice +,$ %ies i# ,!#ess/

Be% c,!-e $# ,$s(it)i2ti$# i#v$)vi#- %missi$# i# ICICC0 sc)e IV #% *$ve

Rs/


18/38

I; L$% T!i#ees1 Rs/?1 (e! %" '$! Mum*i 6 De),i 7N$i%; Rs/:1 (e! %" '$! t,e $t,e!

ce#te!s

5) REIMBURSEMENT O! TRAVE#ING EXPENSES ON MONTH

CONSO#IDATED BASIS.

E)i-i*)e $''ice! +,$ $+# #% use ve,ic)e '$! *#&3s +$!&s ,ve $(ti$# t$ c)im

!eim*u!seme#t $' t!ve)i#- ex(e#ses eit,e! $! m$#et!" *sis $! i# te!m $' c$#sum(ti$# $'

(et!$) (e! m$#t,/ O(ti$#e% c# *e exe!cise% $#)" $#ce #% +i)) #$t *e ))$+e% t$ *e c,#-e

i# t"(e $' ve,ic)e #% $! ()ce $' ($sti#-/ P!$m$tee $''ice!s %u!i#- t,e (!$*ti$#!" (e!i$%

#% DR3s %u!i#- t,e 'i!st "e! $' (!$*ti$# !e #$t e)i-i*)e/ @$+eve!0 t,e" m" *e

!eim*u!se% ctu) ex(e#ses i#cu!!e% *" t,em/


19/38

CHAPTER 4: RESEARCH METHODO#OGY

Rese!c, met,$%$)$-" is +" t$ s"stemtic))" s$)ve t,e !ese!c, (!$*)em/ I# it +e stu%"

t,e v!i$us ste(s t,t !e -e#e!))" %$(te% *" t,e !ese!c,e! i# stu%"i#- ,is !ese!c,

(!$*)em )$#- +it, t,e )$-ic *e,i#% t,em/ It is #ecess!" '$! t,e !ese!c,e! t$ $+ #$t $#)"

t,e !ese!c, met,$% s tec,#i4ue *ut )s$ t,e met,$%$)$-"/ T,us0 +,e# +e t)& t !ese!c,

met,$%$)$-" +e #$t $#)" t)& $' t,e !ese!c, met,$% *ut )s$ c$#si%e! t,e )$-ic *e,i#% t,e

met,$%s +e use i# t,e c$#test $' $u! !ese!c, stu%" #% ex()i# +," +e !e usi#- (!ticu)!

met,$% $! tec,#i4ue #% +," +e !e #$t usi#- $t,e! s$ t,t !ese!c, !esu)ts !e c(*)e $'

*ei#- ev)ute% eit,e! *" t,e !ese!c,e! ,imse)' $! *" $t,e!/

OBECTIVES

T,e mi# im $' !ese!c, is t$ 'i#% $ut t,e t!ut, +,ic, is ,i%%e# #% +,ic, ,s #$t *ee#

%isc!%e% s "et/ T,!$u-, ec, !ese!c, stu%" ,s its $+# s(eci'ic (u!($se0 +e m" t,i#& $'

!ese!c, $*5ectives s '))i#- i#t$ #um*e! $' '$))$+i#- *!$% -!$u(i#-/

8; T$ -i# '$!m)it" +it, (,e#$me#$# $! t$ c,ieve #e+ i#si-,t i#t$ it/


20/38

@R !ese!c, is t,e (!$cess $' ev)uti#- t,e e''ective#ess $' ,um# !es$u!ces0 ($)icies #%

(!ctices #% %eve)$(i#- m$!e ((!$(!ite $#ce/ It i#c)u%e

8; C$#%ucti#- m$!)e0 ttitu%e0 5$* stis'cti$# #% *e,vi$! su!ve"s


21/38

I#'ct0 t,e %esi-# $' !ese!c, stu%" is %esc!i(tive s it is i#te#%e% t$ %esc!i*e t$ 'ct$! stu%" is

%esc!i(tive s it is i#te#%e% t$ %esc!i*e t$ 'ct$!s t,t m#-eme#t is )i&e)" t$ *e i#te!este% i#

suc, s em()$"ees 'ee)i#- s $(i#i$# t$+!%s $!-#i2ti$#0 #% )s$ *$ut $!-#i2ti$#)

em()$"ees +e)'!e #% $!-#i2ti$#) est*)is,me#t

RESEARCH INSTRUMENT

.uesti$##i!es !e use% s !ese!c, i#st!ume#t i# t,e stu%"/ P!im!" %t is c$))ecte% t,!$u-,

(e!s$#) i#te!vie+ met,$%/

M+?' '- 0%>,

P!$**i)it" sm()i#- met,$% is use% '$! t,e stu%"0 s it is )s$ $+# s !#%$m sm()i#-

u#%e! t,is sm()i#- %esi-#0 eve!" item $' t,e u#ive!se ,s # e4u) c,##e) $' i#c)usi$# i# t,e

sm()e/

R#%$m sm()i#- '!$m 'i#ite ($(u)ti$# !e'e!s t$ t,t met,$% $' sm()e se)ecti$# +,ic, -ives

ec, ($ssi*)e sm()e c$m*i#ti$# # e4u) (!$**i)it" $' *ei#- (ic&e% u( #% ec, item i# t,e

e#ti!e ($(u)ti$# t$ ,ve # e4u) c,#ce $' *ei#- i#c)u%e% i# t,e sm()e/ T,$s (()ies t$

sm()i#- +it,$ut !e()ceme#t i/e/ $#ce # item is se)ecte% '$! t,e sm()e it )$$&s c# #$t ((e!

i# t,e sm()e -i#/

S%>,+ 0+ '- 0(/

Sm()e si2e is (!t $' t$t) u#it0+,ic, c$mes i#t$ !es($#%e#t -!$u( / t,e!e !e t$t) #um*e! $' =

em()$"ees +e!e i#te!cte% t$ stu%" t,is t$(ic 0,e#ce t,e sm()e si2e $' t,e stu%" is = /

DATA CO##ECTION

PRIMARY DATA

Pe!s$#) i#te!vie+ met,$% is use% '$! c$))ecte% i#'$!mti$# '!$m t,e em()$"ees t,!$u-,

4uesti$##i!e

SECONDARY DATA

Sec$#%!" %t is c$))ecte% '!$m !e'e!!i#- *$$&s #% +e*sites $' B#& $' I#%i


22/38

THE SAMP#E

.uesti$##i!e +e!e (!e(!e% *" &ee(i#- i# mi#% t,e 'ci)it" t,t !e exte#%e% t$ em()$"ees t,e

!ese!c, i#st!ume#t use% ,s ,e)(e% (e!s$#))" $+i#- t,e 'ee)i#- $' em()$"ees/

F$! c$m()eti#- t,e (!$5ect stu%" m$!e em(,sis is -ive# # (!im!" s$u!ce $' %t #% its

#)"sis '$! mi#ti#i#- t,e ccu!c"0 !e)i*i)it" #% '$! -$$% !esu)t !e-!%i#- t,e (!$5ect stu%"

u#%e!t&e#/

CHAPTER 5: DATA ANA#YSIS AND TABU#ATION

D%% %%,/00

P!$cess $' %t c# *e cte-$!ies i#t$

8; E%iti#-


23/38


24/38

T*u)ti$# is t,e (!$cess $' summ!i2i#- !$+ %t 6 %is()"i#- t,e sme i# c$m(ct '$!m

7i/e/ i# t,e '$!m $' sttistic) t*)es; '$! 'u!t,e! #)"sis/ I# *!$%e! se#se0 t*u)ti$# is #

$!%e!)" !!#-eme#t $' %t i# c$)um#s 6 !$+s/

DATA INTERPRETATION

.ues 8 @$+ m#" We)'!e 'ci)it" !e "$u vi)i#- $# !$uti#- *sis

40%

10%

50%

0%

1 ' 5

5 ' 1B

1B $ %&'3+

O&0+%'


25/38

A)) t,e em()$"ees $' B#& $' I#%i vi)i#- !$uti#e We)'!e Fci)it" ? em()$"ees s"

t,t t,e" !e vi)e% 8 6 *$ve We)'!e Fci)it" #% !eset $' > 6 8 em()$"ees s"i#-

t,t t,e" !e vi)i#- 8 t$ ? #% ? t$ 8 We)'!e 'ci)it" !es(ective)"/

.ues


26/38

.ues= @$+ muc, time it +i)) t&e s#cti$#i#- !$uti#e +e)'!e 'ci)it"

1 ' 2 *++C

2 ' 3 *++C

192 .'4?

O&0+%'

F!$m t,e c,!t it is $*se!ve% t,t0 )) em()$"ees s"s t,t '$! s#cti$#i#- !$uti#e +e)'!e

'ci)it" time !e4ui!e is 8 t$ < +ee&/


27/38

.ues > @$+ muc, time it +i)) t&e s#cti$#i#- s(eci) +e)'!e 'ci)it"

90%

10%

1 ' 2

*++C

3 *++C

O&0+%'

F!$m t,e *$ve c,!t it is $*se!ve% t,t 9 em()$"ee3s s" t,t '$! s#cti$#i#- s(eci)

+e)'!e 'ci)it" time !e4ui!e% is 81< +ee&/ 6 8 em()$"ees s"s t,t time !e4ui!e% '$!

s#cti$#i#- +e)'!e 'ci)it" is = +ee&


28/38

.ues ? B!ie')" ex()i# t,e (!$ce%u!e $' vi)i#- !$uti#e +e)'!e 'ci)it" i# ($i#t

80

20 M%C47 %4

%>>,6%'4

0(&. >)''- $

..%+

0%46'4

O4,/%>>,6%'4 0

)+()+

O&0+%'

em()$"ees s"s t,t t$ m&e t,e (()icti$# su*mit (!$$' 6 it s#cti$# 6 !est $'


29/38

.ues : B!ie')" ex()i# (!$ce%u!e '$! vi)i#- t,e s(eci) +e)'!e 'ci)it"

10%

90%

M%C+ %4

%>>,6%'4

0(&. >)''- $

0%46'4

#+47? >)'6+00

O&0+%'

9 em()$"ees s"s t,t t,e" ,ve t$ 5ust (()"0 su*mit (!$$' 6 t&e ((!$v) $' ,i-,e!

ut,$!it" #% $#)" 8 em()$"ees s"s t,t t,e (!$ce%u!e is )e#-t," /


30/38

.ues @$+ muc, !e "$u stis'ie% *$ut (!$ce%u!e $' vi)i#- !$uti#e +e)'!e 'ci)it"

50

40

10

H7?,/ 0%0-+

P%),/ 0%0-+

0%0-+

N' 0%0-+

O&0+%'

T,e ? em()$"ees $' t,e *#& !e ,i-,)" stis'ie% +it, t,e (!$ce%u!e $' vi)i#- !$uti#e

+e)'!e 'ci)it" +,i)e > em()$"ees !e (!t)" stis'ie% 6 t,e !emi#i#- 8 $' em()$"ees

!e stis'ie%/


31/38

.ues @$+ muc, !e "$u stis'ie% *$ut (!$ce%u!e $' vi)i#- s(eci'ic +e)'!e 'ci)it"

40%

60%

H27?,/ 0%20-2+

S%20-2+

P%),/ S%20- 2+

N ' S%20-2+

O&0+%'

T,e : em()$"ees $' t,e *#& !e stis'ie% +it, t,e (!$ce%u!e $' vi)i#- s(eci) +e)'!e

'ci)it" #% !emi#i#- > em()$"ees !e ,i-,)" stis'ie%/


32/38

.ues9 D$es +e)'!e 'ci)it" (!$vi%e% *" t,e $!-#i2ti$# ()"s s m$tivti$#) 'ct$!s

40%

60%

H7?,/ %7)++

A7)++

(0 %7)++

D' 4' %7)++

O&0+%'

: em()$"ees !e -!ee% t,t t,e +e)'!e *e#e'its ()"s s m$tivti$#) !$)e/ W,i)e >

!e ,i-,)" -!ee $# t,is issue/


33/38

.ues8 &i#%)" su--est t,e met,$%s $' im(!$vi#- %%i#- +e)'!e 'ci)it"

20%

80%

0%0%

A47 0%.+ .')+

*+,-%)+ -%6,/

N' 0(77+00'4

O&0+%'

2 +>,'/++0 0%/ ?% ' % 0'+ '+ *+,-%+ -%,/ $ 8 +>,'/++0 0 '

%/ 0(+0'0.

CHAPTER 6: OBSERVATION $ CONC#USION


34/38

A)) t,e !$uti#e +e)'!e 'ci)ities !e vi)e% *" )) t,e em()$"ees i# B#& $' I#%i i#

%i''e!e#t (!$($!ti$#/

M$!e t,# em()$"ees !e vi)i#- !$uti#e +e)'!e 'ci)it" # !$uti#e *sis/

M$!e t,# = em()$"ees !e vi)i#- s(eci) +e)'!e 'ci)it" cc$!%i#- t$ t,e #ee%

!ise

T,e time !e4ui!e% '$! s#cti$#i#- t,e s(eci) +e)'!e 'ci)it" is mximum < +ee&/

T,e em()$"ee !e #$t -etti#- i# st$!-e 'ci)it" '$! $ut%$$! c)$t,i#-

T,e !$uti#e +e)'!e 'ci)ities !e vi)e% *" eve!" $#e i# t,e $!-#i2ti$# 6 time

!e4ui!e% is )s$ #$mi#)/

T,e (!$cess $' vi)i#- s(eci) +e)'!e 'ci)it" is ve!" )e#-t," 6 ,e#ce it c# *e

vi)e% *" sim()e (!$cess/

T,e em()$"ees $' B#& $' I#%i !e ,i-,)" stis'ie% +it, t,e !$uti#e +e)'!e 'ci)it"0

+,ic, t,e" !e vi)i#- $# !e-u)! *sis/

T,e em()$"ees $' B#& $' I#%i !e stis'ie% s t,e" !e -etti#- s(eci) +e)'!e

'ci)it" +it, sim()e (!$cess/

S(+0'

8; T,e em()$"ees s,$u)% *e (!$vi%e% +it, st$!-e 'ci)it" '$! exte!#) c)$t,i#-


35/38

#%'

8; T,e stu%" m" #$t c$ve! ec, 6 eve!" 'ci)it" (!$vi%e% *" t,e $!-#i2ti$#/


36/38

8 V/S/P/ R$ ? 0>?>:0 >>

= C/R/K$t,!i 89? Rese!c,Met,$%$)$-"

Ne+ De),i Ne+A-eI#te!#ti$#)

Pu*)is,e!s

80

> P/P/ARYA

"EBSITES

NAME

+++/-$$)e/c$m

+++/*#&$'i#%i/c$m

+++/*#&$'i#%i/c$/i#

CHAPTER 8: FUESTIONNAIRE

PLEASE TICK T@E ANSWER OF FOLLOWIN .ESTION

8; @$+ m#" +e)'!e 'ci)it" !e "$u vi)i#- !$uti#e *sis

A; 8 t$ ? B; ? t$ 8 C; 8 6 *$ve
http://www.goole.com/http://www.bankofindia.com/http://www.bankofindia.co.in/http://www.goole.com/http://www.bankofindia.com/http://www.bankofindia.co.in/


37/38

; @$+ muc, time it +i)) t&e s#cti$#i#- !$uti#e +e)'!e 'ci)it"

A; 8 t$ < +ee& B; = +ee& C; 8 t$ < +ee&

?; B!ie')" ex()i# t,e (!$ce%u!e $' vi)i#- !$uti#e +e)'!e 'ci)it" i# ($i#t

A; M&i#- # (()icti$# su*mit (!$$' 6 imme%ite s#cti$#i#-

B; O#)" (()icti$# is !e4ui!e%

:; B!ie')" ex()i# (!$ce%u!e '$! vi)i#- t,e s(eci) +e)'!e 'ci)it"

A; M&e # (()icti$#0 su*mit (!$$' $' s#cti$# it/

B; Le#-t," (!$cess

C; N$t vi)e%

; @$+ muc, !e stis'ie% *$ut (!$ce%u!e $' vi)i#- !$uti#e +e)'!e 'ci)it"

A; @i-,)" stis'ie%

B; P!t)" stis'ie%

C; Stis'ie%

; @$+ muc, !e "$u stis'ie% *$ut (!$ce%u!e $' vi)i#- s(eci) +e)'!e 'ci)it"

A; @i-,)" stis'ie%

B; Stis'ie%

C; N$t stis'ie%

9; D$es +e)'!e 'ci)it" *" t,e $!-#i2ti$# ()"s s m$tivti$#) 'ct$!s

A; @i-,)" -!ee


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B; A-!ee

C; Just -!ee

8; Ki#%)" su--est t,e met,$% $' im(!$vi#- %%i#- +e)'!e 'ci)it"

A; N$ su--esti$#

B; A%%i#- s$me m$!e +e)'!e 'ci)it"/

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