CHAPTER 3 DATA ANALYSIS AND INTERPRETATION

3.1 AGE OF RESPONDENTS

AGE GROUP Below 25 26 35 36 45 46 55 Above 55 TOTAL FREQUENCY 16 22 4 8 0 50 PERCENTAGE
25

32% 44% 8% 16% 0 100%

20 15 10 5 0 Below 25

26 3

I N

TERPRETETION:

From the above table it is found that

majority of the respondents (44%) falls under the age of 26 35 years followed by (32%) under the age group below 25 years respectively.

3.2 GENDER OF RESPONDENTS

GENDER MALE FEMALE TOTAL

FREQUENCY 40 10 50

PERCENTAGE 80% 20% 100%

female 20%

MALE FEMALE

male 80%

INTERPRETETION:

From the above table it is found that

majority of the respondents (80%)are male and (20%) of respondents are female.

3.3 MARITAL STATUS OF RESPONDENTS

MARITAL STATUS MARRIED UNMARRIED TOTAL

FREQUENCY

PERCENTAGE

16 34 50

32% 68% 100%

MARRIED 32% MARRIED UNMARRIED

UNMARRIE 68%

INTERPRETETION:

From the above table it is found that

majority of the respondents (68%) are unmarried followed by (32%) respondents are married.

3.4 DUCATION QUALIFICATION OF RESPONDENTS

EDUCATION QUALIFICATION UNDER

FREQUNCY

PERCENTAGE

16%

GRADUATE GRADUATE POST GRADUATE TOTAL 22 20 50 44% 40% 100%

POST GRADUATE 40%

UNDER GRADUATE 16%

GRADUATE 44%

INTERPRETETION:

From the above table it is found that

majority of the respondents (44%) are graduate followed by (40%) are post graduate and remain (16%) are under graduate.

3.5 EMPLLOYMENT STATUS OF THE RESPONDENTS

EMPLOYMENT STATUS EMPLOYED UNEMPLOYED SELF EMPLOYED TOTAL 28 17 5 50% 56% 34% 10% 100% FREQUENCY PERCENTAGE

SELF EMPLOYED 10%

UNEMPLYOED 34% EMPLOYED 56%

INTERPRETETION:

From the above table it is found that

majority of the respondents (56%) are employed followed by (34%) of respondents are unemployed and remain (10%) are self-employed.

3.6 MOTHLY PERSONAL INCOME OF RESPONDENTS

MOTHLY INCOME Less then 5000 5000 - 10000 10000 - 20000 20000 30000 Above 30000 TOTAL

FREQUENCY

PERCENTAGE

4 7 8 13 27 50

8% 14% 16% 26% 54% 100%

LESS THEN 5000 5000-10000 ABOVE 30000

10000 - 20000

20000-30000

INTERPRETETION: From the above table it is found that

majority of the respondents (54%) are having monthly is above 30000 followed by (26%) respondents having monthly income is 20000 30000.

3.7 NUMBER OF DEPENDENTS

NUMBER OF

FREQUENCY

PERCENTACE

DEPENDEND 1 2 3 More than 3 TOTAL 11 23 7 9 50 22% 46% 14% 18% 100%

50% 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% 1 22%

46%

18% 14%

More than 3

INTERPRETETION: From the above table it is found that

majority of the respondents (46%) are having 2 dependents in their family followed by (22%) respondents are having only 1 dependent.

3.8 NATURE OF FAMILY OF RESPONDENTS

NATUR OF FAMILY NUCLEAR FAMILY JOINT FAMILY TOTAL

FREQUENCY

PERCENTACE

43

86%

7 50

14% 100%

JOINT FAMILY 14%

NUCLEAR FAMILY 86%

INTERPRETETION: From the above table it is found that

majority of the respondents (86%) are having nuclear family and rest (14%) respondents are having joint family.

3.9 OCCUPATION OF THE RESPONDENTS

OCCUPATION ENTEPRENEUR LAWER DOCTORE ENGG. ACADEMIC GOVT. EMPLOYEE OTHER (SPECIFIED) TOTAL

FREQUENCY -

PERCENTACE -

50

100%

50

100%

OTHER SPECIFY 100%

INTERPRETETION: From the above table it is found that

majority of the respondents (100%) are from other specify.

3.10 DO YOU HAVE SAVING ACCOUNT IN BANK

SAVING ACCOUNT YES NO TOTAL

FREQUENCY

PERCETAGE

50 50

100% 100%

ACCOUNT IN BANKK 100%

INTERPRETETION: From the above table it is found that

majority of (100%) respondents having a bank account.

3.11 DO YOU USE THE FOLLOWING FACILITY PROVIDED BY THE BANK

FACILITY PHONE BANKING MOBILE

FEQUENCY 1

PCENTAGE 2%

4%

BANKING NET BANKING ELECTRONIC FUND TRANSER ATM TOTAL 23 50 46% 100% 23 1 46% 2%

25

20

15 10

0 1 2 3 4 5

INTERPRETETION: From the above table it is found that

majority of (46%) respondents are using the facility of net banking & ATM followed by (4%) are using mobile banking facility.

3.12 SCINCE HOW LONG YOU ARE USING NET BANKING

TIME LESS THEN 6 MONTH 6 MONTH 1 YEAR 1 3 YEAR MORE THEN 3 YEAR TOTAL 50 100% 20 15 40% 30% 10 20% FREQUENCY 5 PERCENTAGE 10%

25

20

15 10

0 1 2 3 4

INTERPRETETION: From the above table it is found that

majority of (40%) respondents are using Online banking 1 3 years followed by (30%) are using more then 3 years (20%) are using 6month 1 year and (10%) are using net banking less then 6 month.

3.13 FROM WHERE YOU HEARD ABOUT NET BANKING FOR THE 1ST TIME
SOURCES FRIEND FREQUENCY 20 PERCENTAGE 40%

RELATIVES NEWS PAPER MAGAZINE LAEFLETS OF THE COMPANY BANK EMPLOYEE ONLINE OUTHER SPCIFY TOTAL

8 3 2 5

16% 6% 4% 10%

6%

5 -

10% -

50

100%

25

20

15 Series1 10

0 1 2 3 4 5 6 7 8

INTERPRETETION: From the above table it is found that

majority of (40%) respondents are heard about net banking first time from friends followed by (16%) are heard from there relatives.

3.14 HOW DID YOU LEARN TO USE THE NET BANKING

LEARN FROM SELF

FREQUENCY 17

PERCENTAGE 34%

FRIEND FROM WEBSITE OF THE BANK FROM BANK STAFF OTHER SPECIFY TOTAL

21 5

42% 10%

14%

50

100%

25

20

15 Series1 10

0 1 2 3 4 5

INTERPRETETION: From the above table it is found that

majority of (42%) respondents are learn to use net banking from there friends followed by (34%) are learn to use self (14%) are learn from bank staff and (10%) are learn from website of bank.

3.15 REASON DUE TO YOU STARTED THE USING NET BANKING

REASON IT SVES TIME IT IS SAFE AND SECURE I CAN USE IT ANY WHERE I DONT HAVE TIME TO GO TO 8 16% 15 30% FREQUNCY 21 6 PERCENTAGE 21% 12%

BANK TOTAL 50 100%

25 42% 20 30% 15 10 12% 5 0 IT SVES TIME IT IS SAFE I CAN USE IT I DONT AND ANY HAVE TIME SECURE WHERE TO GO TO BANK 16%

INTERPRETETION: From the above table it is found that

majority of (42%) respondents are started to use net banking because it saves time followed by (30%) are started because it saves time (16%) are stared because respondents dont have time to go to the bank and (12%) are stared because it is safe & secure.

3.16 PURPOSE OF USING NET BANKING

PURPPOSE 1 2 3 4 5 6 7 8 9 10 11 TOTAL

FREQUENCY 16 7 5 9 10 3 50

PERCENTAGE 32% 14% 10% 18% 20% 6% 100%

18 16 14 12 10 8 6 4 2 0 1 2 3 4 5 6 7 8 9 10 11

INTERPRETETION: From the above table it is found that

majority of (32%) respondents are using net banking for view account balance followed by (20%) are using for cheque book request (18%) are using for cheque status enquiry.

3.17 SAFETY PRECAUTION FOLLED BY RESPONDENTS

SAFETY PECAUTIONS 1 3 6% FREQUENCY PERCENTAGE

2 3 4 5 6 7 8 9 10 TOTAL
14 12 10 8 6 4 2 0 1 2 3 4

8 1 5 12 6 2 13 50

16% 2% 10% 24% 12% 4% 26% 100%

10

INTERPRETETION: From the above table it is found that

majority of (26%) respondents are using safety precautions that they always logout to terminate the session followed by (24%) are never use cyber cafes to access there online account and (16%) are keep there password top secret and change it often.

3.17 ARE YOU SATISFIED WITH YOUR NET BANKING EXPERIENCE

SATISFIED YES NO TOTAL

FREQUENCY PERCENTAGE 50 50 100% 100%

60 50 40 30 20 10 0 1 2

INTERPRETETION: From the above table it is found that

majority of (100%) respondents are satisfied with there net banking experience.

CHAPTER 4

FINDINGS, LIMITSTION, SUGGESTIONS

CHAPTER 4

FINDINGS, LIMITATIONS , SUGGESTION

4.1 FINDINGS

It is found that majority of (42%) respondents are adopted net banking because it saves time followed by (30%) are adopted because it saves time (16%) are adopted because respondents dont have time to go to the bank and (12%) are adopted because it is safe & secure.

 It is found that majority of (32%) respondents main purpose of using net banking for view account balance followed by (20%) are using for cheque book request (18%) are using for cheque status enquiry.

It is found that majority of (100%) respondents are satisfied by net banking facility.

It is found that majority of (26%) respondents are using safety precautions that they always logout to terminate the session followed by (24%) are never use cyber cafes to access there online account and (16%) are keep there password top secret and change it often.

4.2 LIMITATIONS

 Since the sample are taken out of universe was very small the conclusion cannot be generalized for whole Ranchi city.

The respondents not willing to answer.

Inadequate and wrong information from respondents.

4.3 SUGGESATIONS

 Net banking site should be made more interactive

. Net banking should be made user friendly

Net banking site should be made more safe for transaction.

BIBLIOGRAPHY

BIBLIOGRAPHY

 Kothari, C.K. Research Methodology New Age International Publisher 3rd Addition , New Delhi, 2004 P.P. 4 23.

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