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izlrkouk
Hkkjrh; thou chek fuxe Hkkjr dh lcls cM+h thou chek daiuh gS
vkSj ns’k dh lcls cM+h funs’kd daiuh Hkh gSA ;g iwjh rjg ls Hkkjr
ljdkj ds LokfeRo esa gSA bldh LFkkiuk lu~ 1956 esa gqbZA
bldk eq[;ky; Hkkjr dh foRrh; jkt/kkuh eqacbZ esa gSA Hkkjrh; thou
chek fuxe ds 8 vkapfyd dk;kZy; vkSj 101 laHkkxh; dk;kZy; Hkkjr
ds fofHkUu Hkkxksa esa fLFkr gSA blds yxHkx 2048 dk;kZy; ns’k ds dbZ
‘kgjksa esa fLFkr gS vkSj blds 10 yk[k ls T;knk ,tsaV Hkkjr Hkj esa QSys
gSAa
Hkkjrh; thou chek fuxe] Hkkjr dh lcls cM+h thou chek daiuh gS
vkSj ns’k dh lcls cM+h fuos’kd daiuh Hkh gSA ;g iwjh rjg ls Hkkjr
ljdkj ds LokfeRo esa gSA bldh LFkkiuk lu~ 1956 esa gqbZA
1
bfrgkl
vksfj,.Vy thou chek daiuh Hkkjr dh igyh chek daiuh Fkh tks
lu~ 1918 esa dksydkrk esa fcfiu nkl xqIrk ,oa vU; yksxksa ds }kjk
LFkkfir dh x;hA ckWEcs E;qP;qy ykbQ baU’;ksjasl lkslkbVh tks 1870 esa
xfBr gqbZ] ns’k dh igyh chek iznkrk bdkbZ FkhA vU; chek daiuh;ka tks
Lora=rk ds igys xfBr gqbZ A
2
chek dk laf{kIr bfrgkl
vkt ds vk/kqfud bUlku esa Hkh uqdlku vkSj vkinkvksa ls yM+us
dh ogha lqj{kk izo`Rrh ik;h tkrh gS tks izkphu dky ds eku esa O;kIr
FkhA vkx vkSj ck<+ tSlh vkinksa ls cpus ds fy, mUgksua s dksf’k’ks dh
vkSj viuh lqj{kk ds fy, gj izdkj ls cfynku nsus dks Hkh rRij jgrs
FksA gkykafd chek dj.k dh vo/kkj.kk fiNys dqN o”kksZa esa gh vk;h gS]
[kkl rkSj ls m|ksfxdj.k ds ckn ds le;---- dqN lfn;ka igys ysfdu
fQj ls Hkh blds vadqj 6000 lky igys gh QwV pqds FksA
3
oxksZa dh lqj{kk vkSj chek dj.k dk lan’s k ysdj lkeus vk;h Fkh] Hkkjr
chek dEiuh ¼1896½ dh jk”Vªh;rk ls izHkkfor ,d ,slh gh daiuh Fkh]
1905 & 1907 ds Lons’kh vkanksyu us ,slh vkSj Hkh dbZ chek daifu;ksa
dks ca/koka fn;kA enzkl esa gh ;qukbVsM bafM;k] dksydkrk esa us’kuy
bafn;u vkSj us’kuy ba’;ksjsl
a ds rgr 1906 esa ykgkSj esa dks&vkWijsfVOg
chek dh lFkkiuk gqbZ] dksydkrk esa egku dfo jfoUnz ukFk VSxksj ds
?kj tksjk la[;k ds ,d NksVs ls dejs esa fgUnqLrku dks&vkWijsfVOg
ba’;ksjsl
a daiuh dk tUe 1907 esa gqvk] mu fnuksa LFkkfir gksus okyh
dqN ,slh gh daifu;ka esa Fkh] ;g baf.M;u edZUVkbZy] tujy ba’;kjsal
vkSj Lons’kh ykbQ tks ckn esa eqcbZ ykbQ ds uke ls tkuh xbZ A
4
v/;k; &2
mn~ns’;
thou chek dks O;kid izlkj nsuk vkSj [kkl rkSj ls xzkeh.k
bykdksa vkSj lekftd vkfFkZd :i ls fiNM+s oxksZa rd mls
igqapkuk rkfd ns’k ds reke chek djus ;ksX; yksxksa rd igqapk tk
lds vkSj okftc ykxr ij mUgsa e`R;q ls gksus okys foRrh;
uqdlku ds izfr lqj{kk iznku dh tk ldsA
5
cnyrs lkekftd & vkfFkZd ifjos’k ds en~nsutj iSnk gksus okyh
thou chek vko’;drkvksa dks iwjk djukA
nqfu;k dh lcls cM+h vkcknh okys gekjs& tSls ns’k esa chek dh
mruk egRo ugha fn;k tkrk ftruk fn;k tkuk pkfg,] ;gka ge
,yvkbZlh ds fo’ks”k lanHkksZa ds tfj;s ikBdksa dks thou chek dh
dqN vo/kkj.kkvksa voxr djkus dh dksf’k’k dj jgs gSaA
cjgky ;g ckr /;ku j[ksus ;ksX; gS fd ;gka ge tks dqN Hkh ckr
chek djk jgs gSa og ,y vkbZ lh dh fdlh ikWfylh ds
fu;e@’krkZas ;k mlds vuqlkj fo’sk”kf/kdkjksa dk foLr`r C;kSjk ugha
gSA
6
foLr`r tkudkjh ds fy, gekjs ‘kk[kk ;k eaMy dk;kZy; ls lEidZ djs]a
dksbZ Hkh ,y-vkbZ-lh- ,tsVa vkidh vko’;drk ds vuq:i ikWfylh dk
pquko djus vkSj mlds Hkqxrku esa vkidh enn djds [kq’k gksxk A
Hkqxrku frfFk] ;k
;k fu;r vof/k ds varjky ij [kkl&[kkl frfFk;ksa ij ;k
nqxZHkkXiw.kZ e`R;q ij c’krsZa fd og Hkqxrku vof/k ls igys gksA
8
lqj{kk
thou chek dh ekQZr dh tkus okyh cp cprdrkZ dh e`R;q gks
tksu ij tksf[ke ds f[kykQ lqj{kk dh iwjh xkjaVh nsrk gS o ;gh
ugha] fu/ku dh fLkfr esa thou chek iwjh chfer jde dk Hkqxrku
¼e; cksul ds tgksa cksul feyrs gS½a vko’oLr djkrk gS o tcfd
nwljh cprksa esa flQZ cpr dh jde e; C;kt esa vnk dh tkrh
gSA
9
le`f) c<+kus esa enn
10
udnh
chek cpr ds ekeys esa fdlh ,slh ikWfylh dh tekur ij tks
dtZ ewY; izkIr dj pqdh gks dtZ feyuk vklku gksrk gS] blds
vykok] thou chek ikWfylh dks O;kolkf;d dtZ dh tekur ds
:i esa Hkh Lohdkj fd;k tkrk gSA
<dj jkgr
vk;dj vkSj laifRr dj dVkSrh ds mi;ksx dk Hkh thou chek
lcls mi;qDr mik; gSA thou chek dh izhfe;eksa ds :i esa vnk
dh tkus okyh jde ij ;g lqfo/kk myC/k gS] tks ykxw vk; dj
njksa ij fuHkZj djrh gSA
11
cPpksa dh i<+kbZ & fy[kkbz] xqgLFkh ‘kq: djus ;k ‘kknh ds] [kpksZa
;k fdlh] [kkl oDr esa iSnk gksus okyh ekSfnzd t:jrksa dks iwjk
djuk bu iWfyfl;ksa dh enn ls vklku gks tkrk gSA
dksbZ Hkh o;Ld L=h&iq:”k tks oS/k vuqca/k dj ldrk gS vkSj mudk
chek djk ldrk gS ftuds lkFk muds chek ;ksX; tqMa+s gksA
O;fDr vius ifr@;k iRuh ;k cPpksa dk Hkh chek djk ldrk gSA blds
lkFk dqN ‘krsZa tqM+h gksrh gS chek izLrkoksa dks Lohdkj le; fuxe
O;fDr ds LokLF;] mldh vk; vkSj nwljs izLrkfor dkj.kksa ij fopkj
djrk gSA
12
tek gksus okys ifj.kkeksa dk forj.k
GENDER
72%
80
70
60
50 28% Percentage
40
30
20
10
0
Male Female
çkFkfed MsVk
fu"d"kZ
13
Vscy uacj 4-2
No. of Percentage
respondents
Below 30 30 60
30 – 40 10 20
40 – 50 6 12
Above 50 4 8
Total 50 100
AGE
8%
12%
Below 30
30 - 40
40 - 50
20%
60% Above 50
çkFkfed MsVk
fu"d"kZ
;g ik;k x;k gS fd 30 o"kZ ls de vk;q oxZ ds yksxksa us ,lchvkbZ
dh bZ&cSafdax lsokvksa esa vf/kd #fp fn[kkbZ gSA 30&40 ds chp vk;q
lewg dsoy 20% gS tks fd 40&50 vkSj 50 ls vf/kd vk;q lewgksa ls
vf/kd gSA Åij ds yksxksa us de çfr'kr fn[kk;k D;ksafd muds ikl
,lchvkbZ dh bZ&cSafdax lsokvksa esa Kku dk vHkko gSA
14
Vscy uacj 4-3
No. of Percentage
respondents
Students 38 76
Pvt. sector 8 16
employees
Govt. employees 2 4
Business 2 4
Total 50 100
OCCUPATION
4%
4%
16% Students
Pvt.sector
Govt.sector
Business
76%
çkFkfed MsVk
fu"d"kZ
pkVZ ls irk pyrk gS fd Nk= 50 mÙkjnkrkvksa esa ls SBI ds lcls
bZ&cSafdax mi;ksxdrkZ gSaA ;kuh] 76%A futh {ks=ksa ds deZpkfj;ksa dh
rqyuk esa dkjksckjh yksx vkSj ljdkjh yksx bZ cSafdax lsokvksa ds lcls
de mi;ksxdrkZ gSaA ;g lR;rk ;k lqj{kk ds Mj dh otg ls gSA
15
Vscy uacj 4-4
No. of Percentage
respondents
Less than Rs.1 10 20
lakh
Rs.1 lakh to 7 14
Rs.5 lakh
More than Rs.5 5 10
lakh
Not earning 28 56
Total 50 100
çkFkfed MsVk
fu"d"kZ mijksä rkfydk ls] 56% mÙkjnkrk dksbZ vk; ugha dek jgs gSaA
os] mÙkjnkrk Nk= gSaA dsoy 10% mÙkjnkrkvksa us 5 yk[k #i;s ls vf/kd
dh dekbZ dhA 'ks"k mÙkjnkrk 1 yk[k vkSj #A 5 yk[k ls uhps vkrs gSaA
16
Vscy uacj 4-5
Hkkjr ds LVsV cSad ds lkFk muds [kkrs esa vkus okys urhtksa dk forj.k
No. of Percentage
respondents
Below 1 year 4 8
1 – 3 year 9 18
3 – 5 year 17 34
Above 5 year 20 40
Total 50 100
BANK ACCOUNT
8%
18%
40%
Below 1 year
1 - 3 year
34% 3 - 5 year
Above 5 year
çkFkfed MsVk
fu"d"kZ
mijksä vkadM+kas ls] 40% mÙkjnkrkvksa dk 5 ls vf/kd o"kksZa ds fy,
,lchvkbZ ds lkFk cSad [kkrk gS vkSj 34% 3 ls 5 o"kksaZ ds fy, mlh ds
ikl gSA tc 1&3 o"kZ vkSj 1 o"kZ ls de ds ,lchvkbZ ds cSad [kkrs dks
17
Vscy uacj 4-6
Hkkjr ds LVsV cSad dh bZ&cSafdax ds ckjs esa tkudkjh çkIr djus okys
vH;fFkZ;ksa dk forj.k
No. of Percentage
respondents
Aware 40 80
Not aware 10 20
Total 50 100
20%
Aware
Not aware
80%
çkFkfed MsVk
fu"d"kZ
आरे ख से पता चऱता है कि SBI द्वारा प्रस्तावित ई बैंकििंग सेिाओिं पर ऱोग कितना
जागरूि और जागरूि नह िं हैं । इस प्रिार इस आरे ख िे माध्यम से हम दे ख सिते
18
Vscy uacj 4-7
No. of Percentage
respondents
Strongly agree 8 16
Agree 35 70
Can’t say 5 10
Disagree 2 4
Total 50 100
Strongly agree
Agree
Can't say
Disagree
70%
çkFkfed MsVk
fu"d"kZ
mijksä vkjs[k ls] vf/kdka'k mÙkjnkrkvksa us –<+rk ls lgefr O;ä dh
fd ,lchvkbZ dh bZ&cSafdax lsok,a lqjf{kr vkSj lqjf{kr gSAa 10%
No. of Percentage
respondents
Internet 12 24
banking
Mobile banking 30 60
Tele banking 2 4
Plastic money 6 12
Total 50 100
60
60%
50
40
30
24% most prefered e-banking
20 services of SBI among
customers
12%
10
4%
0
INTERNET MOBILE TELE BANKING PLASTIC MONEY
BANKING BANKING
çkFkfed MsVk
fu"d"kZ
;g Li"V gS fd ,lchvkbZ dh lcls ilanhnk bZ cSafdax lsok,a baVjusV
cSafdax] eksckby cSafdax] Vsyh cSafdax vkSj IykfLVd euh ds chp eksckby
cSafdax gSA bldh otg gS fd gSM
a fyax esa lqfo/kk vkSj eksckby dks ,d
txg ls nwljh txg vklkuh ls iksVsZcy fd;k tk ldrk gSA
20
Vscy uacj 4-9
çkFkfed MsVk
fu"d"kZ
mijksä vkjs[k ls] ;g Li"V gS fd 46% xzkgd ,lchvkbZ }kjk çnku dh
xbZ ,Vh,e lsokvksa ls iwjh rjg ls larq"V gSAa ;g muds dkMZ forj.k]
ysunsu dh la[;k vkSj blds LFkku ds lqfo/kktud rjhds ds dkj.k gSA
;g Hkh irk pyrk gS fd dsoy 4% xzkgd viuh ,Vh,e lqfo/kkvksa ls
vlarq"V gSaA
21
Vscy uacj 4-10
50
40
30
Percentage
20 18%
16%
10 8%
0%
0
Exremely satisfied Satisfied Neutal DissatisfiedExremely dissatisfied
çkFkfed MsVk
fu"d"kZ
vkjs[k ls ;g Li"V gS fd 58% yksx ,lchvkbZ dh baVjusV cSafdax lsokvksa
ls U;wVªy :i ls larq"V gSa vkSj 18% larq"V gSa A16% yksx cgqr larq"V gSaA
22
v/;k; -6
[kkst] fu"d"kZ
23
v/;k; &3
fL=;ksa ds fy, chek
24
fpfdRldh;] xSj fpfdRldh; ;kstuk,a
vke rkSj ij thou chfer O;fDr ds LokLF; dh tkap ds
ckn fd;k tkrk gS cgjgky] thou chek dks O;kid izlkj nsus
vkSj vlqfo/kkvksa dks Vkyus ds fy, thou chek fuxe fcuk
MkWDVjh tkap ds lqj{kk nsus yxk gS] ftlds lkFk dqN ‘krZ tqM+h
gksrh gSA
25
ykHk ds lkFk vkSj fcuk ykHk dh ;kstuk,a
26
dheSu chek
dheSu chek O;kikfjd daifu;ka@daiuh dks vius egRoiw.kZ
deZpkfj;ksa ds vlkef;d fu/ku ls gksus okys foRrh; uqdlku ls cpus
ds fy, djrh gSA
27
v/;k; &4
lwpuk ,oa rduhd vksj thou chek fuxe
28
QaM ,aM vkijs’kal
29
egkuxjh; {ks= usVodZ
uoEcj 1997 esa eqacbZ dh 74 ‘kk[kkvksa dks vkil esa tksM+us ds fy,
,d esVªksikWfyfVu ,fj;k usVodZ LFkkfir fd;k x;k] rkfd ikWfylh /kkjd
viuh ikWfylh dh oLrqfLFkfr tku lds] viuh izhfe;esa Hkj lds]a ljsaMj
ewY; nj vkSj dtZ nj oxSjg ds ckjs esa tkudkfj;ka gkfly dj ldsA
;s iz.kkyh lQyrkiwoZd dke dj jgh gSA bl usVodZ ds tfj;s gj fnu
10 gtkj ls T;knk VªkatsD’ku gksrs gSaA bl rjg ds usVodZ nwljs ‘kgjksa esa
Hkh LFkkfir fd;s x;s gSAa
30
okbM ,fj;k usVodZ
lkr ds lkrksa laHkkxh; dk;kZy;ksa vkSj lHkh esu dsUnzksa dks okbM
,fj;k usVodZ ds tfj;s vkil esa tksM+ fn;k x;k gSA blls fdlh Hkh
eSu flVh esa jgus okyk dksbZ Hkh ikWfylh /kkjd fdlh Hkh ‘kk[kk esa viuh
ikWfylh dh oLrqfLFkfr tku ldrk gS vkSj viuh izhfe;esa Hkj ldrk
gSA uoEcj 2005 esa geus Hkkj Hkj ds 91 dsUnksa dh 2034 ‘kk[kkvksa dks
pSu usVodZ ls tksM+kA
31
baVjSfDVo okWbl jsLikal flLVe
32
baVjusV ij ,y vkbZ lh
33
usV ij ihfe;e Hkqxrku vkSj iWfylh dh oLrqfLFkfr
34
lwpuk VsyhQksu dsUnz
35
lwpuk dsUnz
vkB dky lsaVj Hkh LFkkfir fd;s x;s gSa ftu ij dq’ky deZpkjh
dk;Zjr gSa tks vidks gekjs mRiknksa] ikWfylh lsokvksa] ‘kk[kk dk;kZy;ksa ds
irs vkSj nwljh laLFkkxr tkudkfj;ka iznku dj ldrs gSaA
36
v/;k; &5
thou chek fuxe dh fofHkUu ;kstuk,W
37
vof/k chek ;kstuk,a
f}o”khZ; vLFkkbZ chek ;kstuk & bl ;kstuk ds varxZr de
o”kksZa ds fy, bLFkkbZ thou chek iznku fd;k tkrk gSA chek /ku
vof/k ds Hkhrj cheknkj dh e`R;q gks tkus ij Hkh ns; gksrk gSA
38
cPpksa ds fy, ;kstuk,a
vusd izdkj dh ckyfoyfEcr chek ;kstuk,a miyC/k gSa tSls
thou ckY;
thou fd’kksj
39
isa’ku ;kstuk,a
40
thou chek vuqc/a k ds vk/kkjHkwr fl)kar
1- chek ;ksX; fgr
2- ije~ lf}’okl
3- thou chek izlafonk] {kfriwfrZ dh izlfa onk ugha gSA thou ds gkfu
dh {kfriwfrZ laHko ugha gSA
41
fo’ks”k vko’;drkvksa dh iwfrZ ds fy, of’ks”k ;kstuk,a
43
thou Nk;k & cPps dh mPprj f’k{kk ds fy, ;g ,d vkn’kZ
;kstuk gSA
44
thou chek fuxe
45
lanHkZ xzUFk lwph
bUVjusV }kjk fuEu oSclkbVksa ij lpZ djus ij gesa ,y-vkbZ-lh-
dh tkudkjh izkIr gksrh gSA
1. hi.wikipedia.ord/org
2. w.licidia.in/hindi/bottomlinks/objectives.htm
3. w.licindia.in/bottomlinks/objectives.htm
4. w.licindia.in/hindi/bottomlinks/know _lic.htm
5. https;//w.w google.co.in/search?q=cg+forest&biw=1366&bth=653&source=lnms
&tbm=isch&s=
a X&ei=3q8kVaWwirK4BJDMgYAG&sqi=2&ved=0CAgQ_AU0Aw#tbm=isc
h&q=lic+images
46