job-satisfaction-KMB Sanjay

INTRODUCTION
The dissertation work our MBA is an important part of a curriculum. This study
aimed at creating an opportunity for students to do an in- depth study and analysis of a
problem. It would enable me to get a practical exposure and real time feel of various
aspect of me, topic and also to relate this with concepts and theories studied in the
class room. Kotak Mahindra Bank. Group is one of the leading manufactures of the
textile and product under the brand name Kotak Mahindra Bank based at Hyderabad
is facing high level of competition in the market. I got an opportunity to undertake the
project work in one of the topic A Study on employee motivation used on the
employee of Kotak Mahindra Bank, Hyderabad. This study help me to understand
more about an employee motivation by Kotak Mahindra Bank and also the workers
attitudes towards this one by analyzing different secondary data.
SCOPE OF THE STUDY

The scope of the study is very vital. Not only the Human Resource department can
use the facts and figures of the study but also the marketing and sales
department can take benefits from the findings of the study.
Scope for the sales department

The sales department can have fairly good idea about their employees, that they are
satisfied or not.
Scope for the marketing department

The marketing department can use the figures indicating that they are putting their
efforts to plan their marketing strategies to achieve their targets or not.
Scope for personnel department

Some customers have the complaints or facing problems regarding the job. So the
personnel department can use the information to make efforts to avoid such
complaints.
Sample Size:
Question is filled by 20 employees of Net worth life Insurance, Kaithal.
The questionnaire was filled in the office and vital information was collected which
was then subjects to:
A pilot survey was conducted before finalizing the questionnaire.
Data collection was also done with the help of personal observation.
After completion of survey the data was analyzed and conclusion was drawn.
At the end all information was compiled to complete the project report.
OBJECTIVES OF THE STUDY

1. Find current motivation policy how much effective to employee.
2. Know the satisfaction level of existing reward system.
To find that whether the employees are satisfied or not.
To analyses the companys working environment.
To check the Degree of satisfaction of employees.
To find that they are satisfied with their job profile or not.
To find that employees are working with their full capabilities or not.
To find out the satisfaction of the employees in their work.
To know the satisfaction of the employees in the company.
To know the satisfaction of the employees for the benefits given by the
company.
To improve the working skills of the employees in the company.
RESEARCH METHODOLOGY
Research methodology is a way to systematically solve the problem. It may be
understood has a science of studying how research is done scientifically. In it we
study the various steps that all generally adopted by a researcher in studying his
research problem along with the logic behind them.
The scope of research methodology is wider than that of research method.
MEANING OF RESEARCH
Research is defined as a scientific & systematic search for pertinent information on a
specific topic. Research is an art of scientific investigation. Research is a systemized
effort to gain new knowledge. It is a careful inquiry especially through search for new
facts in any branch of knowledge. The search for knowledge through objective and
systematic method of finding solution to a problem is a research.
RESEARCH DESIGN
A research is the arrangement of the conditions for the collections and analysis of the
data in a manner that aims to combine relevance to the research purpose with
economy in procedure. In fact, the research is design is the conceptual structure
within which research is conducted; it constitutes the blue print of the collection,
measurement and analysis of the data.
As search the design includes an outline of what the researcher will do from writing
the hypothesis and its operational implication to the final analysis of data.
The design is such studies must be rigid and not flexible and most focus attention on
the following
Research Design can be categorized as:
TYPES OF RESEARCH
DESIGN
EXPLORATORY
RESEARCH
DESIGN
DESCRIPTIVE
&
DIAGNOSTIC
RESEARCH DESIGN
EXPERIMENTAL
RESEARCH
DESIGN
The present study is exploratory in nature, as it seeks to discover ideas and insight to
brig out new relationship. Research design is flexible enough to provide opportunity
for considering different aspects of problem under study. It helps in bringing into
focus some inherent weakness in enterprise regarding which in depth study can be
conducted by management.
SAMPLE SIZE:
Out of 100 respondents were interviewed. The tool for this research study is simple
percentage and chi-square analysis. Diagrammatic for the data are exhibited through
bar charts.
LIMITATIONS
Could not interact with senior managers because they are always busy with
their work.
Due to busy with their work, co-operation of the respondent were less.
The night workers were not consulted as they were not available at the time of
interview.
Due to the hectic schedule the manager was not available at the time of
interview.
Due to the work in progress employees were not able to respond properly.
The availability of the clerical staff was less due to the work.
The availability of night shift employees was less due to change of shift.
The employees were less available at the time of interview.
Due to working time schedule the employees were not available at the time of
interview.
HISTORY OF BANKING
Banking is nearly as old as civilization. The history of banking could be said to have
started with the appearance of money. The first record of minted metal coins was in
Mesopotamia in about 2500B.C. the first European banknotes, which was handwritten
appeared in1661, in Sweden. Cheque and printed paper money appeared in the 1700s
and 1800s, with many banks created to deal with increasing trade.
The history of banking in each country runs in lines with the development of trade
and industry, and with the level of political confidence and stability. The ancient
Romans developed an advanced banking system to serve their vast trade network,
which extended throughout Europe, Asia and Africa.
Modern banking began in Venice. The word bank comes from the Italian word
banco, meaning bench, because moneylenders worked on benches in market
places. The bank of Venice was established in 1171 to help the government raise
finance for a war.
At the same time, in England merchant started to ask goldsmiths to hold gold and
silver in their safes in return for a fee. Receipts given to the Merchant were sometimes
used to buy or sell, with the metal itself staying under lock and key. The goldsmith
realized that they could lend out some of the gold and silver that they had and charge
interest, as not all of the merchants would ask for the gold and silver back at the same
time. Eventually, instead of charging the merchants, the goldsmiths paid them to
deposit their gold and silver.
BANKING STRUCTURE IN INDIA

In todays dynamic world banks are inevitable for the development of a country.
Banks play a pivotal role in enhancing each and every sector. They have helped bring
a draw of development on the worlds horizon and developing country like India is no
exception.
Banks fulfills the role of a financial intermediary. This means that it acts as a vehicle
for moving finance from those who have surplus money to (however temporarily)
those who have deficit. In everyday branch terms the banks channel funds from
depositors whose accounts are in credit to borrowers who are in debit.
Without the intermediary of the banks both their depositors and their borrowers would
have to contact each other directly. This can and does happen of course. This is what
has lead to the very foundation of financial institution like banks.
Before few decades there existed some influential people who used to land money.
But a substantially high rate of interest was charged which made borrowing of money
out of the reach of the majority of the people so there arose a need for a financial
intermediate.
The Bank have developed their roles to such an extent that a direct contact between
the depositors and borrowers in now known as disintermediation.
INDIAN BANKING SYSTEM
Reserve Bank of India
Schedule Banks
State co-op
Banks
Non-Schedule Banks
Central co-op
Banks and
Primary Cr.
Societies
Commercial
Banks
Indian
Public Sector
Banks
State Bank of India

and its Subsidiaries
Commercial Banks
Foreign
Private Sector
Banks
Other Nationalized
Banks
HDFC,
ICICI etc.
Regional Rural
Banks
INDIAN BANKING INDUSTRY ANALYSIS

The banking scenario in India has been changing at fast pace from being just the
borrowers and lenders traditionally, the focus has shifted to more differentiated and
customized product/service provider from regulation to liberalization in the year
1991, from planned economy to market.
Economy, from licensing to integration with Global Economics, the changes have
been swift. All most all the sector operating in the economy was affected and banking
sector is no exception to this. Thus the whole of the banking system in the country has
undergone a radical change. Let us see how banking has evolved in the past 57 years
of independence.
After independence in 1947 and proclamation in 1950 the country set about drawing
its road map for the future public ownership of banks was seen inevitable and SBI
was created in 1955 to spearhead the expansion of banking into rural India and speed
up the process of magnetization.
Political compulsions brought about nationalization of bank in 1969 and lobbying by
bank employees and their unions added to the list of nationalized banks a few years
later.
Slowly the unions grew in strength, while bank management stagnated. The casualty
was to the customer service declined, complaints increased and bank management
was unable to item the rot.
In the meantime, technology was becoming a global phenomenon lacking a vision of
the future and the banks erred badly in opposing the technology up gradation of
banks. They mistakenly believed the technology would lead to retrenchment and
eventually the marginalization of unions.
The problem faced by the banking industry soon surfaced in their balance sheets. But
the prevailing accounting practices unable banks to dodge the issue.
The rules of the game under which banks operated changed in 1993. Norms or income
Recognition, Assets classification and loan loss provisioning were put in place and
capital adequacy ratio become mandatory.
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The cumulative impact of all these changes has been on the concept of state
ownership in banks. It is increasingly becoming clear that the state ownership in bank
is no longer sustainable.
The amendment of banking regulation act in 1993 saw the entry of new private sector
banks and foreign banks.
MAJOR PLAYER IN INDIA

1. HDFC BANK LTD
2. ICICI BANK LTD
3. STATE BANK OF INDIA LTD
4. PUNJAB NATOINAL BANK LTD
5. BANK OF BARODA LTD
6. FEDERAL BANK LTD
7. AXIS BANK LTD
8. ING VYSYA BANK LTD
9. IDBI BANK LTD
10. INDUSIND BANK LTD
11. YES BANK LTD
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COMPANYS PROFILE
Established in 1984, The Kotak Mahindra Group has long been one of
Indias most reputed financial organizations. In Feb 2003, Kotak Mahindra Finance
Ltd., the groups flagship company was given the license to carry on banking business
by the Reserve Bank of India (RBI).This approval creates banking history since Kotak
Mahindra Finance Ltd is the first company in India to convert to a bank. The license
authorizing the bank to carry on banking business has been obtained from the RBI in
tune with Section 22 of the Banking Regulation Act 1949.
KMBL was promoted by Mr. Uday.S.Kotak, Kotak and Company Ltd and Mr. Sidney
&A.A.Pinto under the name of Kotak Capital Management Finance Ltd on 21st Nov
1985 and obtained a Certificate of Commencement of Business on 11th Feb 1986.
The bank customers have access to entire VISA network of 4500 ATMS in India and
800000ATMS worldwide accepted in more than 56000 establishments across India
and 10 million worldwide. The customer also has access to over 800 ATMs with
sharing arrangements with UTI BANK, of these 125 are in the NCR.
KEY GROUP COMPANIES AND THEIR BUSINESSES

Kotak Mahindra Bank
The Kotak Mahindra Group's flagship company, Kotak Mahindra Finance Ltd which
was established in 1985, was converted into a bank- Kotak Mahindra Bank Ltd in
March 2003 becoming the first Indian company to convert into a Bank.
Its banking operations offer a central platform for customer relationships across the
group's various businesses. The bank has presence in Commercial Vehicles, Retail
Finance, Corporate Banking, Treasury and Housing Finance.
Kotak Mahindra Capital Company
Kotak Mahindra Capital Company Limited (KMCC) is India's premier
Investment Bank. KMCC's core business areas include Equity Issuances, Mergers &
Acquisitions, Structured Finance and Advisory Services.
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KOTAK SECURITIES
Kotak Securities Ltd. is one of India's largest brokerage and securities distribution
houses. Over the years, Kotak Securities has been one of the leading investment
broking houses catering to the needs of both institutional and non-institutional
investor categories with presence all over the country through franchisees and
coordinators. Kotak Securities Ltd. offers online and offline services based on wellresearched expertise and financial products to Non-institutional investors.
KOTAK MAHINDRA PRIME

Kotak Mahindra Prime Limited (KMP) (formerly known as Kotak Mahindra Primus
Limited) has been formed with the objective of financing the retail and wholesale
trade of passenger and multi utility vehicles in India. KMP offers customers retail
finance for both new as well as used cars and wholesale finance to dealers in the
automobile trade. KMP continues to be among the leading car finance companies in
India.
KOTAK MAHINDRA ASSET MANAGEMENT COMPANY

Kotak Mahindra Asset Management Company Kotak Mahindra Asset
Management Company (KMAMC), a subsidiary of Kotak Mahindra Bank, is the asset
manager for Kotak Mahindra Mutual Fund (KMMF). KMMF manages funds in
excess of Rs 20,800 core and offers schemes catering to investors with varying riskreturn profiles. It was the first fund house in the country to launch a dedicated gilt
scheme investing only in government securities.
KOTAK MAHINDRA OLD MUTUAL LIFE INSURANCE LIMITED
Kotak Mahindra Old Mutual Life Insurance Limited is a joint venture
between Kotak Mahindra Bank Ltd. and Old Mutual plc. Kotak Life
Insurance helps customers to take important financial decisions at every stage in life
by offering them a wide range of innovative life insurance products, to make them
financially independent.
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BOARD OF DIRECTORS
Mr. K.M.Gherda Executive Chairman
Mr. Uday Kotak Executive Vice Chairman and Managing Director
Mr. Anand Mahindra Co Promoter of Kotak Mahindra Bank and
Vice Chairman and Managing Director of Mahindra and Mahindra
Mr. Cyril Shroff Co Promoter
Mr. Pradeep N Kotak Agri Division of Kotak and Company Limited
Dr. Shanker Acharya
Mr. Shivaji Dam Managing Director Kotak Mahindra Old Mutual
Life Insurance Limited
Mr. C.Jayaram Executive Director
PRODUCT DETAIL
Kotak Mahindra Bank is one of the prominent subsidiaries of Kotak Mahindra group.
The activities of the company being parallel to its objective are very wide and cover
all the components of a Bank. The Basic area of Operations is the Banking business,
other products are meant for the regular revenue generation. Being a Banking house,
the company is in regular touch with Banking Accounts, Investment Services ,
Convenience Banking and Other Services .
They offer complete solutions that address all your financial requirements, whether
you're an individual or a firm. From everyday banking to long term investments their
offering covers it all. This wide range of products is delivered to you with a genuine
understanding of your specific need and warm, personalized service. Kotak Mahindra
Bank, it's not about selling you many different products it's about working out a
holistic, pragmatic solution that addresses your financial needs. Through their varied
products, they commit themselves to becoming banker to the customer rather than
being asset financier to our Customers.
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BANKING ACCOUNTS
There are three types of banking account:
Savings Account
Current Account
Term Deposit
SAVINGS ACCOUNT
Choose from our range of Savings Accounts
KOTAK MAHINDRA has got a variety of options of savings accounts to choose from
for its customers according to their convenience and requirements .These savings
accounts offer attractive returns along with personalized banking services at three
convenient average quarterly balances (AQB) levels of Rs. 10000 (KOTAK EDGE
SAVINGS ACCOUNT), Rs. 20000 (KOTAK PRO SAVINGS ACCOUNT) and at
Rs75000 (KOTAK ACE SAVINGS ACCOUNT).The average quarterly balance levels
as well the corresponding services and benefits try to ensure the various customer
needs and requirements. Thus the three account opening options in savings account
are as mentioned above:
EDGE SAVINGS ACCOUNT
Kotak Mahindra Banks Edge Savings Account is a complete financial package
customized to suit Individual banking needs. Its constant Endeavour is to enable
regular. Financial transactions through online platform so that most of Payments can
be made directly through your account or card.
Features & Benefits Wide ATM access through the Kotak Mahindra Bank Debit
Card One can walk into any KOTAK or HDFC Bank ATMs to withdraw cash or
enquire balance at no extra charge!
MULTIPLE ACCESS CHANNELS ACCESS

An account through phone, mobile phone or internet to get information about account
balance or track transactions. One can even transfer funds through Phone Banking or
Net Banking.
15
Financial Payments Facilitated Through the Savings Account

Use the free Payment Gateway to make online payments for utility bills, credit cards,
online trading of shares or even online shopping.
Quick and Easy Funds Transfer

Quick funds transfer to a third party account with another Bank is available across 15
locations through Net Banking. Also get a multi-city cheque book so that money from
account is received by the beneficiary in the fastest possible time.
FREE INVESTMENT ACCOUNT

One can open an investment account, and use the Net Banking facility to
purchase/redeem mutual funds online while directly debiting / crediting your Bank
Account. Besides this you get a consolidated view of all your mutual fund
investments across schemes with updated returns status, latest NAV information and
research reports.
Attractive Returns
Earn better returns in your savings account, with our 2-Way Sweep facility that
automatically sweeps out idle funds, above a threshold, from your account into Term
Deposits. These Term Deposits sweep back into your account to meet fund
requirements when your withdrawals exceed the balance available in your account,
thereby providing you maximum Liquidity.
PRO SAVINGS ACCOUNT:

Kotak Mahindra Banks Pro Savings Account is an account packed with powerful
features to provide a superior banking experience at a very comfortable balance
requirement. They provide a relationship manager who will specifically take care of
banking and investment needs.
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FEATURES & BENEFITS

Free ATM Access All Domestic VISA ATM Network
Walk into any VISA ATM in India to check balance or withdraw cash absolutely free.
no longer have to worry about locating your Bank or Partner Bank ATM Use the
first VISA ATM that you spot, for cash withdrawal or balance enquiry transactions.
Multiple Access Channels

Access your account through phone, mobile phone or internet to get information on
your account balance or track your transactions. You can even transfer funds through
Phone Banking or Net Banking.
Free Investment Account

One can open an investment account, and use the Net Banking facility to
purchase/redeem mutual funds online while directly debiting / crediting Bank
account. Besides this get a consolidated view of all the mutual fund investments
across schemes with updated returns status, latest NAV information and research
reports.

Use our free Payment Gateway to make online payments for utility bills, credit cards,
online trading of shares or even online shopping. Quick and easy funds transfer
Quick funds transfer to a third party account with another Bank is available across 15
locations through Net Banking. Also get a multi-city cheque book so that money
from account is received by the beneficiary in the fastest possible time. Attractive
returns Earn better returns in your savings account, with our 2-Way Sweep facility
that automatically sweeps out idle funds, above a threshold, from your account into
Term Deposits. These Term Deposits sweep back into your account to meet fund
requirements when your withdrawals exceed the balance available in your account,
thereby providing you maximum Liquidity.
Dedicated Relationship Manager You get a one point contact for all your banking
related queries and transactions. Your relationship manager will also help you with
financial planning and sound investment decisions.
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ACE SAVINGS ACOUNT

Kotak Mahindra Bank's Ace Savings Account has been designed as a gateway to a
world of financial benefits and privileged banking transactions. The account carries
benefits ranging from personal investment advisory services to concierge services to
free banking transactions. One will find that this package of services and privileges is
unmatched by any other savings account in the market.
Features & Benefits

Free Access at All Domestic and International VISA Atms
No longer have to worry about locating your Bank or Partner Bank ATM - Use the
first VISA ATM that you spot, for free cash withdrawal or balance enquiry
transactions. So walk into any VISA ATM in India or abroad to withdraw cash or for
balance enquiry.
Multiple Access Channels

Access the account anytime through land line, mobile phone or internet to get
information on account balance or track transactions. One can even transfer funds
through Phone Banking or Net Banking.

Use the free Kotak Payment Gateway to make online payments for utility bills, credit
cards, online trading of shares or even online shopping. All this at the click of a
mouse!
Quick and Easy Funds Transfer

Transfer funds easily and with speed, to a beneficiary account at another bank. One
can avail of this facility by walking into any of branches or by simple logging on to
Net Banking. Also get a free multi-city cheque book so that money from your account
is transferred to the beneficiary's account at any of branch locations, in the fastest
possible time.
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Free Banking Transactions

One can issue demand drafts or send cheques for collection at all branches for no
extra charge.
Attractive Returns
Earn better returns in your savings account, with our 2-Way Sweep facility that
automatically sweeps out idle funds, above a threshold, from your account into Term
Deposits. These Term Deposits sweep back into account to meet fund requirements
when withdrawals exceed the balance available in the account, thereby providing
maximum liquidity.
CURRENT ACCOUNT
Kotak Mahindra Bank offers unparalleled advantages with its three Current Account
offerings. Whether small/ mid size business or an enterprise spread across multiple
locations in the country, would find a Current Account that's just designed for you.
These Current accounts offer attractive returns along with personalized banking
services at three convenient average quarterly balances(AQB)levels of Rs. 25000
(KOTAK EDGE SAVINGS ACCOUNT),Rs. 50000 (KOTAK PRO SAVINGS
ACCOUNT) and at Rs250000(KOTAK ACE SAVINGS ACCOUNT).The average
quarterly balance levels as well the corresponding services and benefits try to ensure
the various customer needs and requirements. With features ranging from Free DDs,
Free Cheque Collection, Free At -Par Cheque facility to Free Trading Account & free
Demat Account, and more! Thus the three account opening options in savings account
are as mentioned above:
Edge Current Account in need of a well equipped bank account to keep pace in all the
business endeavors. They offer the Kotak Edge Current Account, armed with Kotak
2-Way Sweep and the entire gamut of Banking Privileges, providing that extra edge to
get ahead. The feature rich Kotak Edge Current Account is the ideal way to make
money work harder.
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Features & Benefits

Multi City Banking
Current account/s with Kotak Mahindra Bank will be recognized in every other
branch. One can just walk into a Kotak Mahindra Bank branch in any of our branches
across country to satisfy all the banking needs.
2 - Way Sweep: Term Deposit linked Current Account

Kotak 2-Way Sweep ensures that money never stops working for you. Daily balances,
above a threshold level, in Current Account are automatically swept out into Term
Deposits (TD). This 'swept out amount' is brought back
into account to meet fund requirements when withdrawals exceed the balance
available in the account (or when the account balance goes below the specified
threshold level.) With Kotak 2-Way Sweep you enjoy the twin advantages of
attractive returns & maximum liquidity.
Free Demand Drafts and Pay Orders

Enjoy the benefit of our free Demand Drafts, payable at Kotak Mahindra Bank
Branch location in India.
At-Par Cheques
Get free At-par Cheques that are treated as 'local clearing' cheques across all branch
locations. All these at nominal costs.
Cheque Collection
All Outstation cheques, drawn on any of branch locations, are collected 'at nominal
charge' for you. The strong network of correspondent banks enables us to collect
cheques from 1600 locations across India at faster speed and minimal cost.
Mobile Banking and Alerts

Our Mobile Banking & Alerts service enables to access bank account on Mobile
Phone. One can access all your standing instructions (SI), any large credits or debits,
available balance, balance below AQB, any SI failure and SIs successfully executed
will be intimated to you via SMS.
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Balance Sheet
------------------- in Rs. Cr. -------------------
Mar '14
Mar '13
Mar '12
Mar '11
Mar '10
12 mths
12 mths
12 mths
12 mths
12 mths
Total Share Capital
0.00
373.30
370.34
368.44
348.14
Equity Share Capital
0.00
373.30
370.34
368.44
348.14
Share Application Money
0.00
17.53
34.82
36.92
0.00
Preference Share Capital
0.00
0.00
0.00
0.00
0.00
Reserves
0.00
9,073.65
7,575.59
6,428.04
4,191.78
Net Worth
0.00
9,464.48
7,980.75
6,833.40
4,539.92
Deposits
0.00
51,028.77
38,536.52
29,260.97
23,886.47
Borrowings
0.00
20,410.62
16,595.52
11,723.95
6,140.51
Total Debt
0.00
71,439.39
55,132.04
40,984.92
30,026.98
Other Liabilities & Provisions
0.00
2,789.81
2,553.67
3,032.36
2,869.42
Total Liabilities
0.00
83,693.68
65,666.46
50,850.68
37,436.32
Mar '14
Mar '13
Mar '12
Mar '11
Mar '10
12 mths
12 mths
12 mths
12 mths
12 mths
0.00
2,207.90
2,016.49
2,107.72
2,085.67
CAPITAL and Liabilities:
Assets
Cash & Balances with RBI
21
Balance with Banks, Money at Call
0.00
1,481.26
618.06
363.26
214.59
Advances
0.00
48,468.98
39,079.23
29,329.31
20,775.05
Investments
0.00
28,873.43
21,566.81
17,121.44
12,512.66
Gross Block
0.00
464.42
449.97
425.61
745.34
Revaluation Reserves
0.00
0.00
0.00
0.00
0.00
Accumulated Depreciation
0.00
0.00
0.00
0.00
317.69
Net Block
0.00
464.42
449.97
425.61
427.65
Capital Work In Progress
0.00
0.00
0.00
0.00
0.00
Other Assets
0.00
2,197.69
1,935.91
1,503.33
1,420.69
Total Assets
0.00
83,693.68
65,666.47
50,850.67
37,436.31
Contingent Liabilities
0.00
42,117.47
40,052.52
35,422.71
4,156.15
Bills for collection
0.00
0.00
0.00
0.00
3,063.64
Book Value (Rs)
0.00
126.53
107.28
92.23
130.40
Profit & Loss account
------------------- in Rs. Cr. -------------------
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Income
Interest Earned
Other Income
Total Income
Expenditure
Interest expended
Employee Cost
Selling, Admin & Misc Expenses
Depreciation
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses
Net Profit for the Year

Extraordinary Items
Profit brought forward
Total
Preference Dividend
Equity Dividend
Corporate Dividend Tax
Per share data (annualised)
Earning Per Share (Rs)
Equity Dividend (%)
Book Value (Rs)
Appropriations
Transfer to Statutory Reserves
Transfer to Other Reserves
Proposed Dividend/Transfer to Govt
Balance c/f to Balance Sheet
Total
Cash Flow
Mar '14
Mar '13
Mar '12
Mar '11
Mar '10
12 mths
12 mths
12 mths
12 mths
12 mths
0.00
0.00
0.00
8,042.49
1,160.66
9,203.15
6,180.24
977.35
7,157.59
4,189.75
780.53
4,970.28
3,255.62
420.97
3,676.59
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Mar '14
4,836.82
1,075.14
1,797.95
132.53
0.00
2,209.73
795.89
7,842.44
Mar '13
3,667.75
902.36
1,385.66
116.76
0.00
1,834.84
569.94
6,072.53
Mar '12
2,092.18
783.83
1,177.83
98.27
0.00
1,553.32
506.61
4,152.11
Mar '11
1,397.48
583.48
1,044.54
90.00
0.00
1,447.42
270.60
3,115.50
Mar '10
12 mths
12 mths
12 mths
12 mths
12 mths
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,360.72
0.00
2,162.79
3,523.51
0.00
52.38
7.29
1,085.05
0.00
1,494.52
2,579.57
0.00
44.49
7.22
818.18
0.00
965.91
1,784.09
0.00
36.88
4.37
561.11
2.01
648.94
1,212.06
0.00
29.66
0.00
0.00
0.00
0.00
18.23
14.00
126.53
14.65
12.00
107.28
11.10
10.00
92.23
16.12
8.50
130.40
0.00
0.00
0.00
0.00
0.00
379.20
68.04
59.67
3,016.60
3,523.51
310.81
54.26
51.71
2,162.79
2,579.57
207.41
40.91
41.25
1,494.52
1,784.09
188.43
28.06
29.66
965.91
1,212.06
------------------- in Rs. Cr. -------------------
Mar '14
Mar '13
Mar '12
Mar '11
Mar '10
12 mths
12 mths
12 mths
12 mths
12 mths
23
Net Profit Before Tax
1502.52
1360.72
1085.05
818.18
811.08
Net Cash From Operating Activities
9001.63
-1405.46
-1338.69
-1474.47
1572.56
-549.06
-1478.16
-130.81
-78.99
-275.59
-6161.84
3938.23
1633.07
1724.19
-137.38
2290.73
1054.61
163.57
170.72
1159.59
Opening Cash & Cash Equivalents
3689.16
2634.55
2470.98
2300.26
1140.67
Closing Cash & Cash Equivalents
5979.89
3689.16
2634.55
2470.98
2300.26
Net
Cash
(used
in)/from
Investing Activities
Net Cash (used in)/from Financing Activities
Net
(decrease)/increase
In
Cash
and
Equivalents
Cash
LITERATURE REVIEW
The literature survey conducted here include the academic books and website. the
study being conducted was to evaluate the effectiveness of recruitment and selection
policy in relation with increasing attrition problem. Gui L. Barriball KL, While AE.
2nd Military Medical University, School of Nursing, Shanghai, PR China.
Job
satisfaction among nurses is of concern throughout the world but the satisfaction of nurse teachers has
received less attention and no review of global research on the topic has been published. A comprehensive
literature review (1976-2007) was undertaken from an international perspective (n=26 papers and 4 doctoral
abstracts) to examine the state of knowledge about nurse teachers' job satisfaction over time. Coverage over
the last 30 years was selected to examine if the level and contributing factors to nurse teachers' job
satisfaction have changed during a time which has seen considerable developments and reorganization of
nurse education as well as the role of nurse teachers. The purpose of this Part I paper is to: (i) review the
different measurements of job satisfaction, (ii) report the job satisfaction levels of nurse teachers and, (iii)
identify the components of job satisfaction of nurse teachers. This paper provides the foundation for the Part
II paper which reviews the literature regarding the effects and related factors of nurse teachers' job
satisfaction.
1. Prasad L.M. Human resource management pp219-purpose and

Importance of Recruitment & selection cannot be ignored as by this org.
24
2. Bhattacharyya Kumar Deepak, Human resource management Excel

Books pp166.-what is basically recruitment, its introduction, how to carry out
Recruitment..
3. Dwivedi R.S. Managing Human Resource, Personnel Management
(Indian enterprises, Golgotha publishing company, New Delhi, 1st edition,
Pp96-97 -what is a recruitment policy .what factors should be include while
Formulating.
4. Rao V.S.P, Human Resource Management, Excel books,1st edition,pp151.
Importance of tests while selecting the candidates for the job, as these tests
help the interviewer to better judge the candidate his competency for the
particular jobs.
5. Bernardin John H, Human Resource Management, Tata Mc Graw Hill
publishing company ltd., New Delhi, pp 160-163.the effectiveness of selection
method depends upon the reliability of the data ,validity of the purpose &
utility of the methods.
6. Gulati Ambika, Training and Management, vol3, aug07, pp18-19,
Importance of recruitment function in an organization.
7. Gulati Ambika, Training and Management, vol3, June 07,pp46-4 Changing role of Human Resource
8. Gulati Ambika, Training and Management, vol3 a single click for all
Recruitment solutions.
9. Rao Janardhan N, MBA Reviewmar07, pp33-37.-Paradigam shifts in
Human resources
10. Kothari C.B. Research Methodology-Methods & Techniques, new age
International research methodology.
25
DATA COLLECTION
For any study there must be data for analysis purpose. Without data there is no
means of study. Data collection plays an important role in any study. It can be
collected from various sources. I have collected the data from two sources which are
given below:
1. Primary Data
Personal Investigation
Observation Method
Information from correspondents
Information from superiors of the organization
2. Secondary Data
26
Published Sources such as Journals, Government Reports, Newspapers and

Magazines etc.
Unpublished Sources such as Company Internal reports prepare by them given

to their analyst & trainees for investigation.
Websites like Net worths official site, some other sites are also searched to
find data.
DATA ANALSYSY AND INTERPRETATION
27
This graph shows that 0% of employees are strongly agree about the point , 20% of
employees are agree on the point, 30% are neither agree nor disagree,50% are
disagree and rest 0% of employees are strongly disagree.
28
29
employees are agree on the point, 10% are neither agree nor disagree,5% are disagree
and rest 0% of employees are strongly disagree.
30
31
32
33
34
35
36
37
This graph shows that 45% of employees are strongly agree about the point, 20% of
38
39
40
41
42
43
44
45
46
47
FINDINGS
Employees are not completely satisfied with their job although their salary is
good enough.
Employees are not getting value to their work.

Most of employees think that they are not on their actual path.
Most of the employees think that the organization hasnt fulfilled their
promises, what they do in beginning especially regarding Promotion.
There is negatively comparison between peers especially regarding targets.

They often feel overworked.
The employees are not getting sufficient time for break.
The employees working for more time than prescribed.
Heavy work load for low level employees.
The customer responding is not good for low level employees.
The low level employees are not getting the enough salary.
The employees are more frustrated with the heavy work load.
The employees are expecting for the hike in salary according to their work.
The employees are working slowly because shortage employees.
48
SUGGESTIONS AND RECOMMENDATIONS

To increase the job satisfaction level of the employees the company should
concentrate mainly on the incentive and reward structure rather than the motivational
session.
Ideal employees should concentrate on their job.
Educational qualification can be the factor of not an effective job.
Company should give promotion to those employees who deserve it.
Working hours should be according to the salary.
Promotion should be given according to the seniority and qualification.
Work load should be reduced for employees.
More recruitment should be done for reducing work load on employees.
Salaries should be paid according to the working hours.
Night security guard should be appointed for the safety.
49
LIMITATIONS OF STUDY
However I shall try my best in collecting the relevant information for my research
report, yet there are always some problems faced by the researcher. The prime
difficulties which I face in collection of information are discussed below:
1. Short time period: The time period for carrying out the research was short as
a result of which many facts have been left unexplored.
2. Lack of resources: Lack of time and other resources as it was not possible to
conduct survey at large level.
3. Small no. of respondents: Only 20 employees have been chosen which is a
small number, to represent whole of the population.
4. Unwillingness of respondents: While collection of the data many consumers
were unwilling to fill the questionnaire. Respondents were having a feeling of
wastage of time for them.
5. Small area for research: The area for study was Kaithal, which is quite a
small area to judge job satisfaction level.
50
ANNEXURE
QUESTIONNAIRE
NAME: .
DESIGNATION: .
COMPANY: .
1. I have been passed up at least once for a promotion in the past few years.
Strongly Agree
Agree
Neither Agree nor Disagree
Disagree
Strongly Disagree
2. I spend parts of my day daydreaming about a better job.
Strongly Agree
Agree
Disagree
Strongly Disagree
3. I find much of my job repetitive and boring.
Strongly Agree
Agree

51
Disagree
Strongly Disagree
4. I am mentally and/or physically exhausted at the end of a day at work.
Strongly Agree
Agree
Disagree
Strongly Disagree
5. I feel that my job has little impact on the success of the company.
Strongly Agree
Agree
Disagree
Strongly Disagree
6. I have an increasingly bad attitude toward my job, boss, and employer .
Strongly Agree
Agree
Disagree
Strongly Disagree
7. I am no longer given the resources I need to successfully do my job.
Strongly Agree
52
Agree
Disagree
Strongly Disagree
8. I am not being used to my full capabilities.
Strongly Agree
Agree
Disagree
Strongly Disagree
9. I have received no better than "fair" evaluations recently.
Strongly Agree
Agree
Disagree
Strongly Disagree
10. I feel as though my boss and employer have let me down.
Strongly Agree
Agree
Disagree
Strongly Disagree
11. I often feel overworked and overwhelmed.

53
Strongly Agree
Agree
Disagree
Strongly Disagree
12. I am frequently stressed out at work.
Strongly Agree
Agree
Disagree
Strongly Disagree
13. I live for weekends and days away from the job.
Strongly Agree
Agree
Disagree
Strongly Disagree
14. I find myself negatively comparing my situation to my peers.
Strongly Agree
Agree
Disagree
Strongly Disagree
54
15. I feel my bad days at work outweigh the good ones.
Strongly Agree
Agree
Disagree
Strongly Disagree
16. I often experience a sensation of time standing still when I am at work.
Strongly Agree
Agree
Disagree
Strongly Disagree
17. I have been told that I am becoming a more cynical person.
Strongly Agree
Agree
Disagree
Strongly Disagree
18. I feel as though my employer has broken promises about my future with the
organization.
Strongly Agree
Agree

55
Disagree
Strongly Disagree
19. I have lost sight of my career goals and aspirations.
Strongly Agree
Agree
Disagree
Strongly Disagree
20. I no longer feel valued for my work.
Strongly Agree
Agree
Disagree
Strongly Disagree
56
BIBLIOGRAPHY
BOOKS
1. Kothari C.R., Research Methodology, New Delhi; New Age International
Publication, second edition.
2. Ashwathapa K. Human Resource Management (third edition), Tata Mc Graw Hill
Publication Company Ltd. Page no. 81-136,171,179,267,284.
3. Chhabra.T. N. Human Resource Management, Dhanpat Rai $Co (P) Ltd. India,
ninth edition.
4. Monnapa Arun., Human Resource Management, Tata Mc Graw Hill Publication
Company Ltd.
WEBSITES:
a. www.Networth.com/home/products
b. www.Networth.com
57
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INTRODUCTION

SCOPE OF THE STUDY

Scope for the sales department

Scope for the marketing department

Scope for personnel department

OBJECTIVES OF THE STUDY

To find that whether the employees are satisfied or not.

To analyses the companys working environment.

To check the Degree of satisfaction of employees.

To find out the satisfaction of the employees in their work.

To know the satisfaction of the employees in the company.

To improve the working skills of the employees in the company.

Research Design can be categorized as:

The employees were less available at the time of interview.

BANKING STRUCTURE IN INDIA

INDIAN BANKING SYSTEM

Reserve Bank of India

State Bank of India

INDIAN BANKING INDUSTRY ANALYSIS

MAJOR PLAYER IN INDIA

KEY GROUP COMPANIES AND THEIR BUSINESSES

KOTAK MAHINDRA PRIME

KOTAK MAHINDRA ASSET MANAGEMENT COMPANY

MULTIPLE ACCESS CHANNELS ACCESS

Financial Payments Facilitated Through the Savings Account

Quick and Easy Funds Transfer

FREE INVESTMENT ACCOUNT

PRO SAVINGS ACCOUNT:

FEATURES & BENEFITS

Multiple Access Channels

Free Investment Account

Financial Payments Facilitated Through the Savings Account

ACE SAVINGS ACOUNT

Features & Benefits

Multiple Access Channels

Financial Payments Facilitated Through the Savings Account

Quick and Easy Funds Transfer

Free Banking Transactions

Features & Benefits

2 - Way Sweep: Term Deposit linked Current Account

Free Demand Drafts and Pay Orders

Mobile Banking and Alerts

------------------- in Rs. Cr. -------------------

Total Share Capital

Equity Share Capital

Share Application Money

Preference Share Capital

Other Liabilities & Provisions

CAPITAL and Liabilities:

Balance with Banks, Money at Call

Capital Work In Progress

Bills for collection

Book Value (Rs)

Profit & Loss account

------------------- in Rs. Cr. -------------------

Net Profit for the Year

------------------- in Rs. Cr. -------------------

Net Profit Before Tax

Net Cash From Operating Activities

Opening Cash & Cash Equivalents

Closing Cash & Cash Equivalents

Net Cash (used in)/from Financing Activities