A Study On Analysis Of Loans And Deposits At Axis Bank

Authors

  • Dr. M. Ganesan ,Kanagaraj, Dr. S. Raja

Abstract

The Project report deals with the research topic “A STUDY ON ANALYSIS
LOANS/ADVANCES AND DEPOSITS AT AXIS BANK”. The Project aims at analyzing
the Deposits and Advances of the bank; thereby it helps the bank to improve its leading
process. The main purpose of this research is to identify Loans and Deposits at AXIS BANK
to calculate the proportion of different Deposits to the total Deposits, to find the proportion of
different loans to the total loans. The study is analytical in nature; the study is done for the
period of five years. Deposits held at financial institute that has a fixed term. These are
generally short term with maturities ranging anywhere from a month to a few years. When a
term deposits is purchased, the lender (customer) understands that the money can only be
withdrawn after the term has ended or by giving the predetermined number of days’ notice. A
number of studies related to performance of Private banking sector in India related to
Deposits and Advances have been conducted. Here, an attempt is being made to provide an
overview of various aspects and issues of this study through the review of existing literature.
In Research Methodology the type of research is analytical in nature. It is a specific type of
research that involves critical thinking skills and the evaluation of facts and information
relative the research being conducted. The method of data collection is two types i.e. Primary
data & Secondary data collection. The tools used in calculation are Ratio analysis, Percentage
analysis, Trend analysis, Correlation, Regression, and Compound Growth & Time Series
Estimation. The study covers the period of the five accounting year from 2015-2019. Demand
Deposit collection can be increased more from members. Growth rate of Term Deposits is
low; hence Term Deposits should be increased. Friendly and courteous behavior of the
employees is expected and hence special training needs to be imparted to the employees. The
employee must try to improve the quality of service given. The study shows Axis Bank has
sound system for Deposits and Advances and the bank has good parameters to appraise the
project.

Published

2020-12-01

Issue

Section

Articles