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International Journal of Trend in Scientific Research and Development (IJTSRD) ISSN: 2456nd in Scientific Research and Development (IJTSRD) ISSN: 2456nd in Scientific Research and Development (IJTSRD) ISSN: 2456-6470 | IF: 4.101

between banks and customers to receivive and deliver The study area is Erode district, which contributes rea is Erode district, which contributes
information, this form of banking is is described as around 3.12% of the total population of Tamil Nadu. around 3.12% of the total population of Tamil Nadu.
Around 51.43% of the Erode district population are round 51.43% of the Erode district population are
Internet banking (Reserve Bank of Indiaa, 2001). A
staying in urban areas of the district while 48.57 % stay taying in urban areas of the district while 48.57 % stay
s
Defining Electronic banking in rural areas.
A banking system that allows customers to perform customers to perform
bank transactions through internet, Transactions like Transactions like
account transfers, balance enquiries, bill payments, account transfers, balance enquiries, bill payments,
etc. are done through this system. Some banking offer etc. are done through this system. Some banking offer
services like loan, credit card applications forms services like loan, credit card applications forms
through this system. The banking activities can be e banking activities can be
classified as transactional and non- transactional
activities. Electronic transfer of funds, Payment of Electronic transfer of funds, Payment of
The around 70% of the total Indian population lives in he around 70% of the total Indian population lives in
bills, Loan |& credit card application T
r rural areas. So the study on this topic in rural areas was ural areas. So the study on this topic in rural areas was
Investment products are few of transactional activities Investment products are few of transactional activities f found to be of high importance. The study aimed to ound to be of high importance. The study aimed to
u
and Viewing of account balance, Viewing of previous Viewing of previous understand the awareness of electronic banking facilities nderstand the awareness of electronic banking facilities
available to the people in rural vailable to the people in rural areas. This would be an
transactions, Downloading of Bank statement, transactions, Downloading of Bank statement, a
eye opener to the people also to move forward to an ye opener to the people also to move forward to an
Ordering Check book, mobile banking and internet Ordering Check book, mobile banking and internet e
electronic transaction mode from paper and manual lectronic transaction mode from paper and manual
banking application forms are few of nonbanking application forms are few of non- e
transactional activities. mode of transactions.

RESEARCH SIGNIFICANCE Population outline:
The study has been conducted in Modakurachi taluk of he study has been conducted in Modakurachi taluk of
The banking industry, being backbone of Indian banking industry, being backbone of Indian T
E
economy is undergoing vast changes. Advancement in economy is undergoing vast changes. Advancement in Erode district. Modakurachi is a town panchayat. The rode district. Modakurachi is a town panchayat. The
t
information technology, global business development information technology, global business development taluk is divided into 15 wards. The population of the aluk is divided into 15 wards. The population of the
and demand from customers has paved way for changes and demand from customers has paved way for changes t taluk with 3076 families is 9907. The aluk with 3076 families is 9907. The numbers of male
in the banking scenario. The study is a bird’s eye view of in the banking scenario. The study is a bird’s eye view of are 4931 and female are 4976. The sex rati4931 and female are 4976. The sex ratio is 1009 and
E-banking in rural India. After demonetizabanking in rural India. After demonetization, the literacy rate is 72.4%. (Statistics, 2014(Statistics, 2014-15)
remonetizati on has taken place. Due to the advancement on has taken place. Due to the advancement
F
of technology, banking sector looks ahead for more of technology, banking sector looks ahead for more Data Male Femaleemale Total
paperless transactions. This was considered as right time paperless transactions. This was considered as right time Population 4931 4976 9907
to study about the usage of electronic banking system in to study about the usage of electronic banking system in Literacy 81.25% 63.66%63.66% 72.36%
D
rural India. The study aims to understand the awareness to understand the awareness Data from Census report, 2011ata from Census report, 2011
about the electronic banking system in rural India. The about the electronic banking system in rural India. The
study was conducted in Modakurachi taluk of Erode study was conducted in Modakurachi taluk of Erode OBJECTIVES OF THE STUDYOBJECTIVES OF THE STUDY
district, Tamil Nadu, South India. The following are set objectives of the study.objectives of the study.
To study the impact of demographic factors on the To study the impact of demographic factors on the
a
STATAEMENT OF THE PROBLEMSTATAEMENT OF THE PROBLEM awareness level of respondents about Ewareness level of respondents about E- Banking.
According to census 2011, out of 121 crore Indians, 83.3 According to census 2011, out of 121 crore Indians, 83.3 To find and analyse the factors influencing use of To find and analyse the factors influencing use of
crore live in rural areas while 37.7 crore live in urban re live in rural areas while 37.7 crore live in urban E- banking.
areas. The total population of Tamil Nadu is 7.21 crores areas. The total population of Tamil Nadu is 7.21 crores To find out the opinion of the respondents To find out the opinion of the respondents
out of which 51.6% live in rural areas and 48.4% live in out of which 51.6% live in rural areas and 48.4% live in regarding the various problems of phone / mobile blems of phone / mobile
urban areas.(India Population Census, 2011)(India Population Census, 2011) banking.

REASEACRCH METHODOLOGYEASEACRCH METHODOLOGY
R
Scope of the study
This study is a demo graphical al study, based on usage
of E-Banking services by vaarious classes of people
irrespective of occupation, agge, sex and literacy. The
research work was undertaken by getting the research undertaken by getting the research
questionnaires filled by the respondents.uestionnaires filled by the respondents.
q

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