INTRODUCTION

YES BANK, Indias new age private sector Bank, is an outcome of the
professional entrepreneurship of its Founder, Rana Kapoor and his highly
competent top management team, to establish a high quality, customer centric,
service driven, private Indian Bank catering to the Future Industries of
India. YES BANK is the only Greenfield license awarded by the RBI in the
last 14 years, associated with the finest pedigree investors. YES BANK has
fructified into a full service commercial Bank that has steadily built
Corporate and Institutional Banking, Financial Markets, Investment Banking,
Corporate Finance, Business and Transaction Banking, Retail and Wealth
Management business lines across the country, and is well equipped to offer a
range of products and services to corporate and retail customers.
The Bank has adopted international best practices, the highest standards of
service quality and operational excellence, with innovative state-of-the-art
technology, and offers comprehensive banking and financial solutions to all its
valued customers. A key strength and differentiating feature of YES BANK is
its knowledge driven approach, which goes beyond the traditional realm of
banking, and helps adoption of a diagnostic and prescriptive approach towards
superior product structuring.
YES BANK has a vision to champion Responsible Banking in India where
the concepts of Corporate Social Responsibility and Sustainability are
embedded in the DNA of the organization and integrated in its Business Focus.
YES BANK is committed to adding long term value to society, to differentiate
itself in the marketplace based on a strong 'sustainability mandate' and to build
in flexibility and openness as part of its core strategy. The Bank has engaged
with global thought leadership forums like the Clinton Global Initiative (CGI),
Triple Bottom Line Investing (TBLI) and Tallberg Forum. YES BANK has

recently become the first Indian Bank to become a signatory with the United
Nations Environment Programme (Financial Initiative).

REVIEW OF LITERATURE
The central bank of India is the Reserve Bank: most large commercial banks
were nationalized in 1969, with more being nationalized in 1980. The
Department of Banking at the Ministry of Finance controls all banking. The
State Bank of India, the largest commercial bank, handles some of the Reserve
Banks roles. Cooperatives and credit societies are an important supplement to
the private banking industry, especially in rural areas.
The Entry of Foreign Banks in the Early 1990s has brought about a Revolution
in the Banking industry. The superior service level of these Banks have forced
even the Nationalized Banks to wake up to the reality that if they do not live up
to the customers expectation they will soon cease to exist.
Indian Banking Industry, today is in the midst of an IT revolution. A
combination of regulatory and competitive reasons have led to increasing
importance of total banking automation in the Indian Banking Industry.
Earlier profitability gained only secondary importance, since banks lived in the
comfort of a controlled environment. However, today banks cannot survive
only with the Government support. They have to set goals of profitability along
with service and set targets and evolve strategies to reach them.
There is certainly a paradigm shift in banking in India in the recent past. At
present profitability, capital restructuring and transparency are considered
important and significant for banks. Also, banks in India have started realizing
the need to be customer focused that in turn leads to customer
appreciation, which is imperative for survival and growth.
The first change along this line was brought in by the foreign banks with their
emphasis on high quality and efficient service combined with technological

advantages like satellite banking and tele-banking manned by skeletal staff and
lesser number of branches.
Further, development of special manpower, innovative products, technology
exploitation and personalized services play a crucial role on the banking
industry today, since the customer has more options in choosing bank. Thus
leading to consumerism in the banking sector. Also, since customers are
becoming more sophisticated and educated, their expectation from the
neighborhood bank is increasing.
To sum, the new private sector banks are poised to redefine banking sector in
India. Though they dont pose a threat to the existing private banks they will
certainly force them to gear up their strategies to remain in the field.
The last few years have seen a sea change in banking strategies, with more
focus on quality. The adoption of a specialized customer-oriented focus is fast
getting wider acceptability. In a market that keeps growing in depth and
diversity, niche banking is new mantra adopted by all. Thus, instead of
targeting an entire market segment, banks have adopted a specific business
focus to reach their target audience.
Over the last few years, the communication style too has changed with respect
to the banking industry. Communication has shifted from branding the bank to
branding banking products, highlighting service commitments, convenience,
etc. Further, branding of banking products such as home loans, consumer
durable loans, tele banking, ATMs, net banking etc have started taking
place, especially after the entry of foreign banks and private sector banks which
had the advantage of the latest technology.
Banks like Yes Bank, Standard Chartered, ICICI, HDFC, and Citibank now
bring your Bank Account to your fingertips. With Mobile commerce, you can

perform a wide range of query-based transactions from your Mobile Phone,

without even making a call.
Yes Bank is one of the largest Indian Private Banking Group in India with an
employee base of nearly 1600 people across the country. It has the largest
branch network all over India (116 branches) amongst all Indian Private Banks
in India.

M arket Share

Private/Foreign Banks; 4%

Nationalized Banks; 95%

The
graph below shows the Market share of the Nationalized and Private Banks in
India and the share of Yes Bank.

The Aim of Yes Bank is to increase its market share by capturing the
customers of the Other Private Banks and the Nationalized Banks.
The share can also be increased if the Bank is successful in convincing new
people (children, students etc.) to hold accounts with the Bank.

OBJECTIVE OF THE STUDY

Main objective:
Objective of the study is to look for the banking opportunities in FCRA
accounts of charitable institutions for the Yes Bank.
With the increasing number of organizations taking the FCRA registration,
Bank is interested in having the business with the NGOs in Delhi and NCR.
1. Objective of the study aims at the 360 degree knowledge to the target
business. It includes the MHA (Ministry of Home Affairs), NGOs and various
banks giving such type of services to take detail know how and should reach at
a decision to be taken by the bank after concluding the study.
2. To operate the FCRA accounts in accordance with the rules and guidelines
mentioned in the FCRA 1976.
RESEARCH METHODOLOGY
Research in general refers to the search of knowledge. One can also define
research as a scientific & systematic collection of information.
In simple words research is the careful investigation or enquiry
of markets especially through search for new facts in any branch
of knowledge.

Analytical Tools
Microsoft Excel (PivotChart Reports). A PivotChart Report
is an interactive chart that quickly combines and compares large
amounts of data from tables in excel. PivotChart report was
used here to analyze related totals, because there was a long list of figures to
sum and there was a need to compare several facts about each figure. Because a
PivotChart report is interactive, it has flexibility to change the view of the data

to see more details or calculate different summaries, such as counts or

averages. Drop fields feature was extensively used for the report creation.
Essentially it is an area in a PivotChart report where we can drop fields from
the Field List dialog box to display the data in the field.
DATA COLLECTION
Data can be collected by using two well known methods: Primary &
Secondary. In primary data collection, you collect the data yourself using
methods such as interviews and questionnaires. The key point here is that the
data you collect is unique to you and your research and, until you publish, no
one else has access to it. There are many methods of collecting primary data
and the main methods include:
Questionnaires
One-to-one interviews
Group interviews
Observation
Case-studies
Diaries
Critical incidents
Portfolios
Secondary data is data that has already been collected by someone else for a
different purpose to yours. For example, this could mean using:
Data collected by a hotel on its customers through its guest history
system
Data supplied by a marketing organization
Annual company reports
Government statistics.

Primary data collection method used for this project.

I used questionnaire method which is also known as scheduling method for
primary data collection in the research process. To know the exact details
regarding FCRA accounts in Banks 360 degree approach is being used as the
FCRA department, Banks, and NGOs are surveyed to take the required
Secondary Data is also used for the purpose of completion of project which
includes Internet, Centre for policy Research, and FCRA department.

SAMPLING AND SAMPLING DESIGN

The procedure by which a few fields are chosen from the data to be studied in
such as way that the sample can be used to estimate the same characteristics in
the total is referred to as sampling.
The advantages of using samples are that it is much less costly, quicker and, if
selected properly, gives results with known accuracy that can be calculated
mathematically. Even for relatively small samples, accuracy does not suffer
even though precision or the amount of detailed information obtained, might.
These are important considerations, since most research projects have both
budget and time constraints.
Sampling process is taking a sample out of the universe population to take a
decision regarding the population. Instead of surveying the whole population
we take only a few persons for our topic to have a general idea of the subject
related.
In the project I took a sample of three Banks for a general idea of the FCRA
accounts and made our study reach a conclusion.
These three banks are

1. HDFC BANK
2. STANDARD CHARTERED
3. CORPORATION BANK
For the charitable institutions and NGOs who are reporting to the FCRA
Department to be studied I took a sample of 11 organizations from the NCR.

LIMITATIONS OF THE STUDY

1. General survey is more biased: General Survey is more biased because
few charitable institutions were not ready to give the exact financial
details.
2. Less responsive communication: General Survey was found to be less
responsive because of the reason that institutions &organizations did not
want to respond to the questionnaire due to lack of time & non
willingness.
3. Time consuming: The General Survey was time consuming because it
take time to reach to different charitable institutions & ask them certain
related questions in there different areas.