They have been created with a read to serve primarily the agricultural areas of India with basic banking and monetary services

Hence, it is inferred that the significance attached by the customers to the factor, “Social networks” while strong relationships, and is dependent on the type of the organization. 43. It is found that the chi-square test value 55.357 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = 0.00 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Communication” while strong relationships, and is dependent on the type of the organization. 44. The chi-square test value 83.701 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Utility bill payments” while strong relationships, and is dependent on the type of the organization. 45. The chi-square test value 11.568 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .021 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Compensate” while strong relationships, and is dependent on the type of the organization. 46. The chi-square test value 5.816 is less than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .213 is greater than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Confidentiality” while strong relationships, and is independent on the type of the organization. 47. It is found that the chi-square test value 26.722 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Security arrangements” while strong relationships, and is dependent on the type of the organization. 48. the chi-square test value 5.487 is less than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .241 is greater than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Supportive behavior” while strong relationships, and is independent on the type of the organization 49. the chi-square test value 1.975 is less than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .740 is greater than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Supportive behavior” while strong relationships, and is independent on the type of the organization. 50. The chi-square test value 59.899 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Commitment” while strong relationships, and is dependent on the type of the organization. 51. The chi-square test value 39.203 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Technical expectations” while strong relationships, and is dependent on the type of the organization 52. The chi-square test value 63.421 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Communication services” while strong relationships, and is dependent on the type of the organization. 53. It is found that the chi-square test value .805 is less than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .938 is greater than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Movement of time” while strong relationships, and is independent on the type of the organization. 54. The chi-square test value 9.376 is less than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .052 is greater than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Security services” while strong relationships, and is independent on the type of the organization. 55. Chi-square test value 28.794 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Greater value” while strong relationships, and is dependent on the type of the organization. 56. The chi-square test value 63.935 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Sincerity and trust” while strong relationships, and is dependent on the type of the organization 57. It is found that the chi-square test value 110.990 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Quality” while strong relationships, and is dependent on the type of the organization. 58. The chi-square test value 73.514 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05). Hence, it is inferred that the significance attached by the customers to the factor, “Positive attitude” while strong relationships, and is dependent on the type of the organization 59. That the chi-square test value 25.838 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Consistent” while strong relationships, and is dependent on the type of the organization. 60. The chi-square test value 29.986 is greater than the table value of 9.488 for four degrees of freedom at 0.05 level of significance (P = .000 is less than 0.05).
Hence, it is inferred that the significance attached by the customers to the factor, “Explicit quality” while strong relationships, and is dependent on the type of the organization. 61. The above table clarifies that the majority of the respondents own the assets valued between Rs. 20000 - 50000(34%), while those owning the assets valued between Rs. 10,001 to 20,000 are behind (28.2%). A sizable percentage (18.1%) of the borrowers owns the assets valued between Rs. 1,000 to 10,000. There are 108 borrowers (12.7%) who owned the assets valued between Rs. 50,000/- and 1.0
lakh and 59 borrower possessed assets worth over Rs. 1.0 Lakh. It shows that from the Bank's viewpoint a substantial number of the borrowers have good economic positions. 62. Clearly brings out the fact that if the farmers avail the crop loan in time and utilize it judiciously, the returns are substantial, as is evidenced by the quantum jump in the net income per borrower from Rs. 6877 (in 2010) to Rs. 10,744 (in 2015).
Simultaneously, the average sales of agricultural produce per borrower have also gone up, contributing to the overall trading and commercial activities of the region. 63. It is observed that 34.7 per cent opined borrowers are blessed with poor awareness and 32 per cent expressed as fair. Further, about 21.3 per cent of the employees felt that the borrowers had good knowledge about the various loan schemes.
Only 12 per cent of the bank employees felt that the awareness of rural people about different loan programmes was very poor. 64. It shows Farmers Perception of banking services average mean is 3.9521, and Standard deviation is .31087, Service Quality of Banking Services average mean 3.7936, and Standard deviation is. 28342 Performance of Banking Services average mean of 3.7006, and Standard deviation is .33110, Customer Satisfaction of Banking Services average mean 3.5441, and Standard deviation is .37240. From the Anova table F-values are 4.959, 3.062, 228.959, 311.820 and p values are .026, .041, .000..000 which is <0.05 level of significance, hence reject the null hypothesis and conclude that there is a significant mean difference between the Service factors in Banks and selection of the bank 65. Farmers Perception of banking services average mean of SSC 3.9506 and standard deviation .29919, Inter mean average 3.8753 and standard deviation is .35795, Graduate average mean is 4.0085, standard deviation .31098, PG mean average is 3.9959, and standard deviation .31292.Service Quality of Banking Services average mean of SSC 3.8267 and standard deviation .38402, Inter mean average 3.7750 and standard deviation is .32018, Graduate average mean is 3.8212, standard deviation .29663, PG mean average is 3.8170, and standard deviation .28420, Performance of Banking Services average mean of SSC 3.7413 and standard deviation .38338, Inter mean average 3.7444and standard deviation is .40883, Graduate average mean is 3.7662, standard deviation .39502 PG mean average is 3.8734, and standard deviation .34986, Customer Satisfaction of Banking Services average mean of SSC 3.6896 and standard deviation .45383, Inter mean average 3.7750 and standard deviation is .32018, Graduate average mean is 3.8212, standard deviation .29663, PG mean average is 3.8020, and standard deviation .42403. From the Anova table F-values are 4.161, 0.586, 4.979, 1.606 and p values are .006,.624,.187 which is >0.05 level of significance, hence accept the null hypothesis and conclude that there is no significant mean difference between the Service factors in Banks and educational qualification where as Performance of E-Banking Services p vale is .002 which is <0.05 level of significance, hence reject the null hypothesis and conclude that there is significant mean difference with this factor. 66.
Farmers Perception of banking services average mean of annual income below 3 lakhs 3.9835 and standard deviation.33013, 3.1-5 lakhs 3.9969 and standard deviation is .32258, 5.10-10 lakhs mean average 3.9508 and standard deviation .22914, above 10 lakhs average mean 3.9632 and standard deviation .31961 Service Quality of Banking Services average mean of annual income below 3 lakhs 3.8061 and standard deviation.29677, 3.1-5 lakhs 3.8185 and standard deviation is .28376 5.10-10 lakhs mean average 3.8233 and standard deviation .31194, above 10 lakhs average mean 3.7949 and standard deviation .32502, Performance of Banking Services average mean of annual income below 3 lakhs 3.8267 and standard deviation.34897, 3.1-5 lakhs 3.8763 and standard deviation is .36164, 5.10-10 lakhs mean average 3.8779 and standard deviation .34462, above 10 lakhs average mean 3.9192 and standard deviation .35961, Farmers Satisfaction of Banking Services average mean of annual income below 3 lakhs 3.7206 and standard deviation.46338, 3.1-5 lakhs 3.7625 and standard deviation is .40746, 5.10-10 lakhs mean average 3.7494 and standard deviation .43152, above 10 lakhs average mean 3.8889 and standard deviation .38341.
From the Anova table F-values are .832, .270, 1.282, 4.085 and p values are .476, .847,.279, .007 which is >0.05 level of significance, hence accept the null hypothesis and conclude that there is no significant mean difference between the Service factors in Banks and Annual income of the consumer.
CONCLUSION It can be concluded from the research findings that with the skilled and experienced employees public and private banks are using creative marketing efforts to make customer aware and delight about innovative products and hi-tech services in comparison with cooperative banks. Banks have large customer group because of number of branches and faith, comfortable banking hours.
Co-operative banks are not able to attract and serve up to the expected customer's satisfaction and more customer group because of inconveniency in speed and service standards. Each aspects leading customer satisfaction influenced by one or other demographic factors and resulted in to varied customer satisfaction for all category banks.
So, it would be advisable to public, private and cooperative banks to reconnect with their customers & satisfy them through adopting all the marketing practices whether it might be focused to cost, convenience, and communication or core services. According to recommended CSTBM model and CRM all the category banks can have better performance directed towards customer loyalty, customer retention, customer delight.
The Grameena banks are not using technology as other banks, due to their location in the villages and interior places. RECOMMENDATIONS 1. Security in services is highly appreciated till it has to take more care to protect the transactions. 2. The services are required computer knowledge and net accessibility it is possible to educated customers only so uneducated people felt it is difficult to operate the services 3. To increase the services Banks should conduct a special programme to educate all type of customers. 4.
Urban customers are using the e-banking services where as rural people may not acquaint with the services, bank authorities should take measures to use number of people should use the services. 5. Some respondents felt they are not receiving the up to date information on time, so bank authorities take a measures to reach information to all the customers without delay. 6. Bank authorities convey the information through various channels for sending information.
The choice of communication channel should be appropriate that it should reach to all the customers. 7. Attempts should be made to enable the Rural Regional Banks to provide adequate and timely credit with the maximum possibility of simplicity in procedure. At the same time, consumption loans, on reasonable terms, should be made available to check the diversion of a large part of credit from the productive purposes.
Credit provided by the RRBs and other financial agencies must be adequate to enable rural masses to be free from the clutches of the ruthless moneylenders. A proper credit plan and concerted efforts by different agencies are required. 8 Deposits are the main source of the RRBs income from the long term point of view. The Rural Regional Banks should introduce special deposit schemes for the poorer sections of the village community.
Through newspapers, radio, television, as also through dramas, puppet-shows, etc., appeals should be made to the villagers for deposit collection. The RRBs should also plan to allocate funds for the development of the villages in their operational area. 9. The other steps that are to be taken by the Rural Regional Banks include - a.
Gram - Sabhas should be conducted in every village at least twice a month, for the purpose of selecting rightly type of borrowers as well as to follow up with the existing borrowers for prompt loan repayment. b. In order to avoid the employment turnover in the Rural Regional Banks, the employees must be motivated by announcing suitable incentives like rural working allowance, promotions and by providing loans at subsidized interest rates for meeting their personal needs. 10.
The Rural Regional Banks should necessarily continue their activity of financing only the weaker sections in the rural areas and this consideration should never be diluted or compromised for the sake of making the Rural Regional Banks viable in their operations. The Rural Regional Banks can achieve the viability through other methods and means.
It must also be remembered that the size of the weaker sections in the society is increasing at an alarming rate and there is a need to provide credit to these sections both for production and consumption and at the same time, to protect the borrowers from the moneylenders and exploitative traders. In the case of the Rural Regional Banks, the term 'viability' is to be appreciated from the point of increased level of social gains accrued to those customers whose socio-economic upliftment and better standard of living should become the indices for judging the State's efforts towards the commitment of growth with social justice.
The success of the Rural Regional Banks will depend on the dedicated personnel appointed to run them and the organizational acumen and innovation which they bring to bear upon the operational problems, so as to tackle them more effectively than the other agencies have done. In the final analysis, the role of the RRBs will have to be that of moneylender sans exploitation and the role of the bank-staff will have to be that of village teacher sans politics. Rural Regional Banks, as they exist and are administered today are neither a model of perfection nor a system of best virtues.
Yet, they have demonstrated their utility, if not inevitability, already. The Rural Regional Banks will have to prove as one of the most useful instruments of the rural credit. The Rural Regional Banks also have a bright future if the union and State Governments, Reserve Bank of India, commercial and cooperative banks and NABARD all ensure for them a proper operational environment.
The Rural Regional Banks may perhaps be the best answer to many of our present-day problems in the area of rural credit and rural development. BIBLIOGRAPHY 1. The Performance of Rural Regional Banks (RRBs) in India: Has Past Anything to Suggest for Future? By Biswa Swarup MisraWorld Bank 2008 2. National Sample Survey Organization (NSSO), Household Consumer, Expenditure in India (2006) 3. Ellinger, P 1994.
Potential Gains from Efficiency Analysis of Agricultural Banks. American Journal of Agricultural Economics, 76 (3) pp.652-654 4. Government of India Report of the Committee on Rural Banks, (Chairman-M, Narasimhan), New Delhi, 1975. Gupta, R.V. 1998. Report of the High-Level Committee on Agricultural Credit through Commercial Banks. Reserve Bank of India, Mumbai. 5. IBA (Indian Banks? Association), 1999.
Performance Highlights of Banks, 1997-98, Indian Banks Association, Mumbai. 6. Karam Pal and Jasvir Singh 2006. “Efficacy of Rural Regional Banks (RRBs) In India: A Conventional Analysis”, JIMS-8M, Indian Journals.com 7. Mester, L.J. 1996. “A Study of Bank Efficiency taking into account Risk Preferences”, Journal of Banking and Finance, Vol.20, No.6, 1025-45. 8. Misra, B. 2006.
The performance of local rural banks (RRBs) in India: Has past some thing to signify for destiny? Reserve bank of India Occasional Papers, 27 (1), Reserve bank of India, Mumbai. nine. Narasimhan Committee, 1991. document of the Committee at the monetary machine, government of India. Parliament of India (Loksabha), 2004. movement for attention of „The local Rural Banks (change) invoice, 2004. 10. ? Professor Dilip Khankhoje and Dr. Milind Sathye, 2008.
“Efficiency of Rural Banks: The Case of India”, International Business Research-CCSE, Vol-1, No.2. 11. Rangarajan, C. 1995. “Inaugural address at the 18th Bank Economists? Conference?, Reserve Bank of India Bulletin, December, XLIX (12), Reserve bank of India, Mumbai. 12. Report on the Trend and Progress of Banking in India 1995-96, Reserve Bank of India Bulletin, March 1007, 34-35. Satyadevi, C. 2009.
“Financial Services-Banking and Insurance”, S.Chand & Company, ISBN: 81-219-3208-4. Sathye, M. 1997. „Lending Costs, Margins and Financial Viability of Rural Lending Institutions in South Korea?, Spellbound Publications, Rohtak, India. 13. Subramanyam, G. 1993. “Productivity Growth in India?s Public Sector Banks: 1979-89”, Journal of Quantitative Economics, 9, 209-223. 14. Syed Ibrahim, 2010.
“Performance Evaluation of Rural Regional Banks in India”, International Business ResearchCCSE, Vol-3, No.4.October. 15. Tyagarajan, M. 1975. “Expansion of Commercial Banking- An Assessment”, Economic and Political Weekly, 10, 1819-1824. 16. Bhatt Nitin and Y. S. P. Thorat (2006). India's Rural Regional Banks: The Institutional Dimension of Reforms. Journal of Microfinance, 3 (1), pp: 65-94. 17. Bose Sukanya (2005).
Rural Regional Banks: The Past and the Present Debate. Macro Scan, URL: http://www.macroscan.com/fet/jul05/ fet200705RRB_Debate.htm. 18. Gadgil M.V. (1992). Future of Institutional Agricultural Credit in India: Likely Impact of Narasimham and Khusro Committee Reports. Indian Journal of Agricultural Economics, 47 (2), pp: 255-65. 19. Kumar Rama and Pallavi Chavan (2008). Revival of Agricultural Credit in the 2000s: An Explanation.
Economic and Political Weekly, XLII (52), pp: 57-60. 20. Mohan Jagan (2004): “Rural Regional Banks Need a Shot in the Arm”, Financial Daily from the Hindu Group of Publications. March 19th Edition. NABARD, Annual Report, Various Issues. RBI, Annual Report and Report on Trends and Progress of Banking in India, Various Issues. 21. Sharma A.K.
and Asha Upwanshi Wasewar (2009). Agriculture Credit: Organisation, Problems and Challenges in Inida. Asian Economic Review, 51 (2), pp: 291-310. 22. Sahu Gagan Bihari (2007). Supply Analysis of Institution Credit to Agriculture for Major States in India. Indian Journal of Agricultural Economics, 62(4), pp: 664-70. 23. Singh Surjeet (1990). Rural Credit: Issues for the Nineties. Economic and Political Weekly, 25 (46), pp: 2531-535. 24. Velayudham, T. K. and V.
Sankaranarayanan (1990). Rural Regional Banks and Rural Credit: Some Issues. Economic and Political Weekly. 25(38), pp: 2157-2161. 25. Bagachi, K. K. and A. Hadi (2006), Performance of Rural Regional Banks in West Bengal: an evaluation, Serials Publications: New Delhi. 2. Bose, S. (2005) Rural Regional Banks: The Past and the Present Debate 3. Das, U.R. (1998) “Performances and Prospects of RRBs”, Banking Finance November. 4. Gupta, S.K
(1996) “Profitability and Rural Regional Banks”, Kurukshetra, July. 5. Gupta and Sodhi (1995), “Economic Liberalization and Rural Credit”, Kurukshetra Vol.XLIII, No. 10, p-27-30 26. Horseman, S.B (2002), Performance of Rural Regional Banks, New Delhi, 7. Ibrahim Dr. M. Syed (2010) “Performance Evaluation of Rural Regional Banks in India”, 27. International Business Research Vol. 3, No. 4; p-203-211 8.
Jham Poonam (2012) “Banking Sector Reforms and Progress of Rural Regional Banks in India (An Analytical Study)”, Online published 11 January. 28. Khankhoje, D. and Sathye, M. (2008) “Efficiency of Rural Banks: The Case of India”, International Business Research, Vol. 1. No.2, pp. 140-149. 29. Kannan, R. (2004), Rural Regional Banks 30. Mohindra Versha and Kaur Dr.
Gian, Total Factor Productivity of Rural Regional Banks in India: A Malmquist Approach, Abhinav journal of commerce and management Volume 1 issue 3, p- 75-86 31. Mohindra Versha and Kaur Gian (2012) Rural Regional Banks in India since Reforms: A Study of Technical Efficiency, Prerana, March. 32. Prasad, T. S. (2003), Rural Regional Banks: Performance Evaluation, Kurukshetra, Vol. 51, No.10, p. 20-24. 33.
Singha, Kanhaiya (1990) “Restructuring Rural Regional Banks”, Kurukshetra, 38 (10): 9-11. 34. Reddy, A. A. (2006) “Productivity Growth in Rural Regional Banks”, Economic and Political Weekly, Vol. XLI, No.11, pp. 1079-1085. 35. Ramanaa Murty, D.V. (1977) “Rural Regional Banks: An Assessment of Performance”, Southern Economist, No.16 (7), August 1. 36. Reddy, Y.V.
(2000) “Rural Credit: Status and Agenda”, Reserve Bank of India Bulletin, November. and Insurance Research, Volume 1,Issue 2, p 76- 84
INTERNET SOURCES:

-------------------------------------------------------------------------------------------

<1% - Empty

<1% - https://www.scribd.com/document/12969390

<1% - http://web.mit.edu/

<1% - http://www.turtledreams.ca/index.php/com

<1% - https://gradeup.co/interview-preparation

<1% - http://4bankifsccode.blogspot.com/2015/1

<1% - http://exploredoc.com/doc/3117894/andhra

<1% - https://id.scribd.com/document/147418425