1. A COMPARATIVE STUDY OF E-
BANKING IN PUBLIC & PRIVATE
SECTOR BANKS
(WITH SPECIAL REFERENCE TO SBI & HDFC BANK)
PRESENTED BY:-
ALKA SHUKLA
M.B.A. 4th Sem

2. Banking sector in india
 The banking sector is the section of the economy devoted to
the holding of financial assets for others, investing those
financial assets as leverage to create more wealth, and the
regulation of those activities by government agencies.
 The banking sector's core is trust. Without it, no clients
would deposit money, and it would be unable to use that
money to give loans, invest, and drive economic growth, and
regulation is used to create that trust.

3. Banking structure in india
RBI
SCHEDULED
BANKS
COMMERCIAL
BANKS
PUBLIC
SECTOR BANKS
PRIVATE
SECTOR BANKS
FOREIGN
SECTOR BANKS
REGIONAL
RURAL BANKS
(RRBs)
CO-OPERATIVE
BANKS
UNSCHEDULED
BANKS

4. Introduction
 The provision of banking service through electronic
channels and the customer. It can access the data
without time and geographical limitation.
 Combination of the two term Electronic technology
& Banking.
 Process by which a customer performs banking
transactions electronically.

5. Development of E-banking
1980s :
• Rapid development of the Internet
• TCP/IP system (communication system)
• E-commerce

6. Development of E-banking
May 1995 :
• Wells Fargo - the first bank in the world to offer
customer access to their accounts over the
internet .
• Allows customer to see their accounts online

7. Development of E-banking
• ICICI was the first bank to initiate the Internet
banking revolution in India as early as 1997 under
the brand name 'Infinity'.
• ICICI Bank kicked off online banking way back in
1996 . But even for the Internet as a whole, 1996
to 1998 marked the adoption phase, while usage
increased only in 1999-due to lower ISP online
charges, increased PC penetration and a tech-
friendly atmosphere.

8. E-BANKING
 Online banking, also known as internet banking, e-
banking or virtual banking.
 is an electronic payment system that enables customers of
a bank or other financial institution to conduct a range
of financial transactions through the financial institution's
website.
 To access a financial institution's online banking facility, a
customer with internet access would need to register with the
institution for the service, and set up a password and
other credentials for customer verification.

9. Different services
provided under
e-banking
• ONLINE BILL PAYMENT
• SHOPPING
• TICKET BOOKING
• PRE PAID MOBILE RECHARGE
• MARKET WATCH

10.  State Bank of India (SBI) is an Indian
multinational, public sector banking and financial
services company.
 It is a government-owned corporation with its
headquarters in Mumbai, Maharashtra.
 The company is ranked 232nd on the Fortune Global
500 list of the world's biggest corporations as of 2016.

12. PRODUCTS OF SBI
 Consumer banking
 Corporate banking
 Finance & Insurance
 Investment banking
 Mortgage loans
 Saving
 Credit cards etc..

13. Contd…
• PERSONAL HOME PAGE
• INVESTMENT SERVICES
• ONLINE APPLICATIONS
• PERSONAL UPDADATE

14. SERVICE PROVIDED BY SBI
 Self-account funds transfer across India.
 Third party transfers in the same branch.
 New account opening.
 Demand Draft requests.

15. Contd…
 Standing instructions.
 New Cheque-book request and much more.
 Railway tickets booking.
 Utility bill payments.

16. Contd…
 LIC and other insurance premia payments.
 SBI Mutual funds Investments.
 Remit Subscription to PPF account.
 Credit card dues payments.

17. Contd…
 Deposit your taxes.
 Donations to your religious inspirations.
 Donations to Red Cross and such other
organisations.
 Setting up SMS alerts for transaction information.

18. CHANNELS IN E-BANKING
 AUTOMATED TELLER MACHINE (ATM)
 TELE-BANKING OR PHONE BANKING

19. Contd…
 MOBILE BANKING
 INTERNET BANKING

20. Advantages of E-banking
 Benefits for Banks
 Benefits for Small to Medium Businesses
 Benefits for Customers

21. Disadvantages OF E-banking
 A need for customer skill to deal with computers and
browsers.
E.g. Elderly, Housewives → Inconvenient
 Site change it will make the customer have some
confusion or delay.
 Security Risk

22. Benefits for Banks
 Larger customer coverage
 Reducing the costs of operations
 Promoting their services and products
internationally
 Increasing the customer satisfaction and
providing a personalized relationship with
customers

23. Conclusion
 E-Banking Enable Better Business Anywhere,
Anytime.
 E-Banking represent a tremendous opportunity in
India.
 However, Factors such as illiteracy in India,
availability of cheaper labor force, reluctance to
change by the existing staff of banks and slow
growth of technology in India are responsible for
slow growth of e-banking in India.

24. Contd…
 Development and acceptance of standards by financial
institutions will clearly have a positive impact on the level
of security achieved by banks and bank customers.
 Since opportunities foregone are opportunities lost, the
banks have to rise ahead of time so as not to lag behind in
the e-banking era.

26. Introduction
 HDFC Bank Limited is an Indian banking and financial services
company headquartered in Mumbai, Maharashtra.
 It has 84,325 employees and has a presence in Bahrain, Hong
Kong and Dubai.
 HDFC Bank is India’s second-largest private sector lender by
assets.
 It is the largest bank in India by market capitalization as of
February 2016.
 It was ranked 69th in 2016 BrandZ Top 100 Most Valuable Global
Brands.

27. History
 In 1994 HDFC Bank was incorporated, with its
registered office in Mumbai, India. Its first corporate
office and a full service branch at Sandoz
House, Worli was inaugurated by the then Union
Finance Minister, Manmohan Singh.
 As of December 31, 2016, the Bank’s distribution
network was at 4,715 branches and 12,260 ATMs
across 2,597 cities / towns.

28. Continued……….
 The Housing Development Finance Corporation Limited was incorporated in
August 1994 in the name of HDFC Bank Limited. The registered office was
founded in Mumbai, Maharashtra. The bank was the first to receive an ‘in
principle’ approval from the Reserve Bank of India to set up a bank in the
private sector as per the liberalization of the Indian Banking Industry in the
year 1994. HDFC Bank started its operations as a Scheduled Commercial
Bank from January 1995.
 HDFC is one of India’s premier Housing Finance Company and has a great
track record both in the Indian market and in the International markets. It
was founded in the year 1977 and since then the corporation have a
consistent and healthy growth rate in the home loan sector Moreover, the
corporation has a large corporate client base for its housing related credit
facilities.

29. MISSION
 WORLD CLASS INDIAN BANK
 BENCHMARKING AGAINST INTERNATIONAL STANDARDS
 BEST PRACTICES IN TERM OF PRODUCT OFFERING,
TECHNOLOGY, SERVICE LEVELS , RISK MANAGEMENT ,AUDIT &
COMPLIANCE.
 TO BUILD SOUND CUSTOMER FRANCHISES ACROSS DISTINCT
BUSINESSES.

30. Research methodology and Data
collection
 The methods adopted for studying the objectives of the project was
surveying the account holders of HDFC bank.
 Simple random sampling was used, with a sample size of 100
customers.
 Survey with the help of structured questionnaire was used to collect
primary data, secondary data was collected from magazines, internet
and previous research findings.

31. Gender of Respondents
Male
Female
Options No. of respondents Percentage
Male 83 83%
Female 17 17%
Total 100 100%
Gender of the respondents

32. Option No. of respondents Percentage
Business 25 25%
Employee 56 56%
Others 19 19%
Total 100 100%
Occupation of the respondents
Occupation of the respondents
Business
Employee
Others

33. Option No. of respondents Percentage
10-20 years 2 2%
21-30 years 63 63%
31-40 years 32 32%
Above 40 years 3 3%
Total 100 100%
Age of respondents
Age of respondents
10-20 years
21-30 years
31-40 years
Above 40 years

34. Option No. of respondents Percentage
Rs. 15,000-20,000 41 41%
Rs. 20,000-25,000 13 13%
Rs. 25,000-30,000 25 25%
More than 30,000 21 21%
Total 100 100%
Monthly income of
respondents
Monthly Income of respondents
Rs. 15,000-20,000
Rs. 20,000-25,000
Rs. 25,000-30,000
More than 30,000

35. Option No. of Respondents Percentage
Savings account 66 55.46
Salary account 33 27.73
Current account 13 10.92
Other accounts 7 5.88
Total 119 100
Relationship with the bank
Relationship with bank
Savings account
Salary account
Current Account
Other accounts

36. Option No. of respondents Percentage
To make deposit 75 66.37%
To enquire about balance 5 4.42%
To withdraw cash 20 17.69%
Others 13 11.50%
Total 113 100%
The reason for visiting the bank
branch
The reason for visiting the bank branch
To make deposit
To enquire about balance
To withdraw cash
Others

37. Option No. of respondents Percentage
Convenience 82 49.39%
Safe and Secure 10 6%
Low service 10 6%
Easy to maintain 64 38.55%
Total 166 100%
Reason for using internet banking
Reason for using internet banking
Convenience
Safe and Secure
Low service
Easy to maintain

38. Option No. of Respondents Percentage
Better technology platform 45 36%
User friendly apps 9 7%
Excellent service 65 52%
Flexibility in banking transactions
through net banking
6 5%
Total 125 100%
Reason for choosing this bank for internet banking
Reason for choosing this bank for internet
banking
Better technology platform
User friendly apps
Excellent service
Flexibility in banking transactions
through net banking

39. Option No. of Respondents Percentage
6 months 2 2%
7-12 months 6 6%
More than 1 year 92 92%
Total 100 100%
Internet using for how long
Internet using for how long
6 months
7-12 months
More than 1 year

40. Options No. of respondents Percentage
1-5 times 60 60%
6-10 times 24 24%
More than 10 times 16 16%
Total 100 100%
Frequency of ATM’s used in a month
Frequency of ATM’s used in a month
1-5 times
6-10 times
More than 10 times

41. Options No. of respondents Percentage
Personal banking transactions 71 25.55%
Check balance online 60 21.58%
Apply for various services and
schemes
1 .35%
Inter account transfer 14 5%
Pay utility bills 78 28%
Purchase different goods and services 54 19%
Total 278 100%
Uses of Internet banking
Uses of Internet banking
Personal banking
transactions
Check balance online
Apply for various services
and schemes
Inter account transfer
Pay utility bills
Purchase different goods and
services

42. Findings of the study
 It is identified that only employees are using more internet banking as
compared to the other people.
 In gender wise category mostly the users are males. The usage of internet
banking in females is very less.
 It is identifies that only people in the category of 21-40 are using internet
banking. Below 20 and above 40 age group are using less internet banking
service.

43. CONTD……
 The people who are drawing the salary between rupees 15,000-
20,000 were more responsive to this study.
 It is evident that most of the respondents choose internet
banking because of its convenience and it is easy to maintain
internet banking transactions.
 Popular uses of internet banking among customers are personal
banking transaction, paying utility bills, purchasing different
goods and services and checking their account balances online.

44. Suggestions & conclusions
 The bank should concentrate on creating awareness among business
holders and students.
 The involvement of female customers should be improved by the bank.
 The transactions relating to senior citizens like pension and retirement
benefits should be provided through e-banking.
 The bank should encourage their customers to use e-banking as a
alternative way of banking as compared to traditional banking.

45. CONTD…………
 Activities should be undertaken by the bank to attract new
customers towards e-banking by providing attractive offers and
schemes to new and current customers.
 The bank can offer customise e-banking services to the
customers according to their spending patterns and needs.
 Bank should enable high class IT efficiency.
 To make customers realise that they are in full control of their
account and its related transactions.