. Dr. Shubhra Jain


This paper presents the operational efficiency of ATMs in the Indian banking industry. Being the oldest and largest public sector bank in India, the study has been carried out with special reference to SBI. Further, three more nationalized banks and four private sector banks have been selected with a view to present a comparative picture. This study presents the result obtained on the basis of data collected for the selected banks. A sample of 400 respondents equally representing in two groups; SBI banks & other banks has been taken through questionnaire. Then various statistical tools have been used accordingly to compile the result.


ATM, Operational Efficiency, Customer Satisfaction.

Full Text:



Banknet India (2006), “ATM User Survey Report 2006”, Published by Banknet India,

Banknet India (2007) presented a report on, “Indian ATM Industry”, Published by Banknet India

Bipin K. Deokar (2008),” Growth of ATMs in India: Well Spread By Bank Groups”, Current Economic Statistics and Review For the Week, Ended April 19, 2008, 16th Weekly Report.

C. R. Kothari (2004) , “ Research Methodology – Methods and Techniques”, 2nd revised edition, New age international (P) Ltd. Publishers.

R. N. Ramnathan (2006), “ATM – A Convenient Banking”, The Indian Banker, March 2006, Vol. 1, No. 3.

Retail Banking Research Ltd (2005), “‘Global ATM Market and Forecasts to 2011”, presented a study. (

Ross Anderson (1992) , “Perspectives - Automatic Teller Machines”, The newsgroup alt. security

S. Murali (2006), “A 2 Z of ATM” , The Indian Banker, March 2006, Vol. 1 , No. 3.

S. Natarajan & R. Parameswaran (2003), “Indian Banking”, S. Chand & Company Ltd. New Delhi.


  • There are currently no refbacks.