PROJECT REPORT

SOCIO-ECONOMIC STATUS OF DOMESTIC MAIDS WITH A

SPECIAL REFERENCE TO PALAKKAD DISTRICT

Submitted to the University of Calicut

in partial fulfilment of the requirements for the award of the Degree of
BACHELOR OF COMMERCE

Submitted by

ABIJITH.C

Reg. No. (3269)

Under the guidance and supervision of

Mrs. Reshma K T
Assistant professor of commerce

COLLEGE OF APPLIED SCIENCE VADAKKENCHERRY,

PALAKKAD (Affiliated to University of Calicut)
BATCH (2021-2024)
DEPARTMENT OF COMMERCE COLLEGE OF APPLIED SCIENCE
VADAKKENCHERRY, PALAKKAD (MANAGED BY I.H.R.D,
AFFLIATED TO CALICUT UNIVERSITY)

BONA FIDE CERTIFICATE

This is to certify that the project report entitled “STRESS MANAGEMENT OF

PRIVATE BANK EMPLOYEES: A STUDY IN PALAKKAD DISTRICT”
submitted to the University of Calicut in partial fulfilment of the degree of
commerce is a record of original project done by ABIJITH.C under my guidance
and supervision and this project report has not been submitted for any other
course undergone by the candidate.

Name and signature of Name and signature of

HEAD OF DEPARTMENT SUPERVISING TEACHER

Place: Vadakkencherry Name and signature of

Date: 26-02-2024 EXTERNA EXAMINER

2
 DECLARATION

I ABIJITH.C, student of final semester Bachelor of commerce (2021

-’24), College of applied science , Vadakkencherry , do hereby declare that
the project report entitled ‘STRESS MANAGEMENT OF PRIVATE BANK
EMPLOYEES: A STUDY IN PALAKKAD DISTRICT’ and Submitted by
me to the University of Calicut / Department of Commerce college of
Applied Science , Vadakkencherry for award of the bachelor of Commerce
graduation by the University of Calicut, is a Bonafide work done by me and
it has not been submitted to any other university or institution for the award
of any degree/diploma. Nor has it been published earlier.

My study is done on the basis of the primary data collected from

Palakkad District. It’s not on the basis of the data obtained from any
institution.

ABIJITH.C

College Campus, REG NO (3269)

DATE: 26-02-2024

ACKNOWLEDGEMENT

I express my sincere and heartful thanks to my supervising teacher

3
RESHMA K T, Assistant Professor of Commerce, College of Applied Science

Vadakencherry for the valuable guidance and helpful suggestions she has
given across the study and preparation of the report.
My sincere thanks are expressed to Pradip Somasundaran,
Principal of the college for having permitted me to undergo the project
study outside the campus. Likewise, I am to express my sincere gratitude
to the HOD, Department of Commerce for her encouragement and
assistance throughout the study.

Further, I wish to take this opportunity to express my heartful

gratitude and profound thanks to private bank employees in Palakkad for
having given me in collecting the data required for the study.

Further, I am to thank the College Librarian and all members of the

staff of the library for the co-operation they have given during the project
work. Last but not least I express my heartful thanks to my parents and to
all my friends for their co-operation and encouragement throughout my
project work.
Above all, I am to thank God almighty without whose help this would
not have been complete and materialized.

College Campus,
Date: 26-02-2024 ABIJITH.C

4
 CONTENTS
Chapter Title Page
No. No.
INTRODUCTION
1.1 Introduction
1
1.2 Statement of the Problem

1.3 Objectives of the study

1.4 Scope of study
1.5 Research methodology
1.6 Limitations
1.7 Chapterisation
2 REVIEW OF LITERATURE
3 A THEORETICAL FRAMEWORK
4 ANALYSIS & INTERPRETATION OF DATA
FINDINGS, SUGGESTIONS AND
CONCLUSION
5 Findings
Suggestions
Conclusion
BIBILIOGRAPHY
APPENDIX

5
 LIST OF TABLES
Table. Title Page.
No No
1 Gender

2 Age

3 Working experience

4 Working hours

5 Working days per week

6 Annual gross salary

7 Feelings about your job

8 Are you satisfied with the pay package provided by the organization

9 Rate the level of job stress

10 How do you handle the stress situation

11 Satisfaction level in the current job

12 How would you rate the level of your job stress

13 Do you feel you have a healthy work life balance

14 How do you manage stress

15 How often do you have a hard time feeling relaxed

16 Are you constantly expected to perform good at work

17 How long you had the job stress

18 Select the symptoms you experience due to stress

19 How many attempts have you made to relieve your stress solve the
causing

6
Chart Title Page
No. No.

1 Gender

2 Age

3 Working experience

4 Working hours

5 Working days per week

6 Annual gross salary

7 Feelings about your job

8 Are you satisfied with the pay package provided by the organization

9 Rate the level of job stress

10 How do you handle the stress situation

11 Satisfaction level in the current job

12 How would you rate the level of your job stress

13 Do you feel you have a healthy work life balance

14 How do you manage stress

15 How often do you have a hard time feeling relaxed

16 Are you constantly expected to perform good at work

17 How long you had the job stress

18 Select the symptoms you experience due to stress

19 How many attempts have you made to relieve your stress solve the
causing

7
 CHAPTER 1
INTRODUCTION
1.1INTRODUCTION
Stress is a normal phenomenon in contemporary life. Not that stress is recent concept.But still
the concequence are vastly different in the modern world. What they were for our ancestor's
stress is the and tear of our bodies experiences as we adjust to our dynamic environment it
has physical psychological and emotional effects on us and can create positeve or negative
emotions.

As a positive influence stress can drive a person towards action it can result in a new
awareness and an existing new perspective, and such stress is called “eustress”. As a negative
influence it can result in feelings of distress rejection, anger and depression which in turn can
lead to health problems such as headaches, upset stomach , rashes, insomnia, high blood
pressure, heart disease, stroke and such stress is called “Distress”

Optimum stress is essential for performing well in one's job, but once stress excess a certain
limit it can cause burn out and determinately affects one's performance. As organizations
become more complex and competitive the potential for stress increase urbanization,
industrialization and increase in scale in operation are some of the reasons for rising stress
employees should provide a stress-free work environment recognize where stress is
becoming a problem for staff and take action to reduce productivity increase pressure and
make people ill in many ways evidence of which is still increasing work place stress affects
the performance of the brain including functions of work performance, memory,
concentration and learning stress at work also provide a serious risk of litigation for all
employees and organization carrying significant liabilities for damage bad publicity and loss
of reputation dealing with stress related claim also consumes vast amounts of management
time. So, there are clearly strong economic and financial reasons for organizations to manage
and reduce stress at work aside from the obvious humanitarian and ethical consideration.

During the past decades the banking sector had undergone rapid and striking changes like
policy changes due to globalization and liberalization increased competition due to the
entrance of more private (corporate) sector banks, downsizing introduction of new
technologies etc. Due to the change the employees in the banking sector are experiencing a
high level of stress along with other sector the banking sector also leaning towards the policy
of appointing contract labors while various compulsive as well as rewarding options such as
VRS etc. All the factors discussed above are perspective attributes to the cause occupational
stress and related disorder among the employees although a lot of studies have been

8
conducted on the psychosocial side of the new policy regime in many sectors there are only
few studies as far as the banking sectors has been drastically influenced by the present study
is undertaken to address specific problem of bank employees related to occupational stress.
This throw light into the pathogenesis of various problems related to occupational stress
among bank employees.

1.2 STATEMENT OF THE PROBLEM

Nowadays several private banks are establishing to capture the customer in competitive
banking industry in order to survive in the market the banks are giving more responsibility
for their staffs to capture new customers and retain existing customers in addition there is a
sysytem of job rotation in the private banks, So each and every staff is having ,ore burdens
through this situation it becomes a stress for them. Therefore, this research is focused on
finding the factors which leads to stress in the bank and to what extend it is influencing on the
employees.

1.3 OBJECTIVES OF THE STUDY

The main objective is to study and analyze the job or work stress among private bank
employees.

To attain the main objective the following sub objectives are set:

• Assess current stress level of employees at bank

• Identify situations that causes stress
• To identify the measure to overcome the stress of the employees at bank.

1.4 SCOPE OF THE STUDY

The study seeks to analyze the stress among private bank employees in palakkad district. The
study is conducted on the important banking organization. The scope of the study is extended
only to employees working in private banks at alathur thaluk. It does not cover employees in
the three levels of displaced as manager level. Probationary officers level and cherical level
employees

1.5 RESEARCH METHODOLOGY

9
Research methodology is the way to systematically solve the research problem the objective
of the study and the nature of the data gathered determine the appropriateness of the
descriptive method that was adopted for this research

1.5.1 RESEARCH DESIGN

The study is descriptive in nature

1.5.2 SOURCE OF DATA

For the study purpose both primary and secondary source of data are used

1.5.3 SLAMPLING TECHNIQUE

The sampling technique used for selecting sample elements in convenience sampling

1.5.4 SAMPLING METHOD

The samples were selected by using non-probability sampling method. Among the non-
probability sampling method convenient sampling method and snowball sampling method
were used for the study.

1.5.6 SAMPLE SIZE

Sample of 50 bank employees are taken for the study

1.5.6 TOOLS USED FOR DATA COLLECTION

Questionnaire is used for data collection

1.5.7 TOOLS USED FOR ANALYSIS

Simple percentage analysis and diagram are used for analyzing the data collected.

1.6 LIMITATION OF THE STUDY

• Employees in the banks have lot of work load all the questionnaire were filled at
banks during working hours so it is possibility that they have filled the questionnaire
in hurry.
• Respondents may be influenced by the collogues or some respondents may not
discuss the truth.

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 • Some of the information given by the respondents may not be reliable.

1.7 CHAPTERSISATION

• Chapter 1 deals with introduction and research design.

• Chapter 2 consists of review of literature.
• Chapter 3 provides the theoretical framework for the study.
• Chapter 4 is about the study of stress on private bank employees.
• Major findings, suggestions and conclusions from the study are incorporated in the
last chapter.

11
 CHAPTER 2
REVIEW OF LITERATURE
2.1 REVIEW OF LITERATURE
1. Ms. Sharmila A., Asst. Prof, Ms. Poornima J., Lecturer (2011) -The review of
literature in the study on employee stress management in selected private banks in
Salem highlights the high level of stress found in bank employees due to the
competitive nature of the banking sector. It emphasizes the impact of added
responsibilities on employees, leading to psychological problems such as stress,
anxiety, depression, and sleep disorders. The review also discusses the potential
consequences of employees feeling disconnected from their jobs, including decreased
performance and the likelihood of seeking alternative employment. Additionally, the
literature review underscores the need for further research and policy development in
this area.

2. Dr. A. XAVIOR SELVAKUMAR (2015) focuses on stress management in the

banking industry. It highlights the importance of stress management in the service,
financial, and banking sectors, particularly due to the high levels of stress faced by
banking employees. The literature emphasizes the impact of long working hours,
heavy workloads, and lack of management support on employee stress levels.
Additionally, it discusses the symptoms of high stress and the potential health
problems that can arise if stress is not addressed early. The review also outlines
important measures for managing stress, such as effective communication,
counseling, and specific stress reduction programs. Furthermore, it delves into factors
affecting stress management in private sector banks, including positive
communication, social support, healthy lifestyle, and boosting self-esteem. The
review employs factor analysis to identify common factors among the variables
studied, with some variables demonstrating a higher impact on stress than others.
3. Immanuel S. Lawrence, Dr. Selvakumar A. Xaviour (2020) The study "A study on
the job stress management among the employees of private sector bank" focuses on
the job stress levels of public and private sector bank employees in Thirunelveli. It
presents empirical data and recommendations for organizational development
interventions. The study identifies reasons for stress, including long working hours,
improper reward system, lack of job autonomy, organizational culture, and role
conflict. The methodology involved a survey of 282 public and 220 private sector

12
 employees in Thirunelveli district, and statistical tests were applied to analyze the
data. The study found that both sectors face moderate levels of stress, with certain
individual stressors such as work experience, age group, marital status, annual
income, and educational qualifications. However, it is important to note that the
study's limitation is that it was conducted only in Thirunelveli district, and the work
culture in other districts may differ.
4. Navnindra Kumari & Prof. Ram Milan (2018) stress among banking employees
reveals that the banking industry faces challenges due to technological revolution,
service diversification, and global banking, leading to increased stress among
employees. Stress negatively impacts employee performance, resulting in mental
tiredness, high blood pressure, and increased medication use. The study emphasizes
the importance of stress management through regular training, openness, and
understanding among employees. The research findings highlight that stress is
prevalent among private sector bank employees, with causes including time
management, job responsibilities, and work-life imbalance. Stress management
strategies such as breathing exercises, progressive relaxation, and stretching exercises
are recommended. Overall, the literature underscores the need for effective stress
management to improve the psychological well-being and health of banking
employees.

5. Elizabath greorge,zakkaria K.A (2015) study on "Job related stress and job
satisfaction: a comparative study among bank employees" focuses on examining job
satisfaction and job-related stress among employees in different banking sectors. The
study uses questionnaires administered to 337 employees from private, public, and
new generation banks. The findings reveal that employees in different sectors have
varying levels of job satisfaction and job-related stress. Specifically, public sector
banks have lower job-related stress and higher job satisfaction compared to private
and new generation banks. The study suggests that measures should be taken to
reduce job-related stress and enhance job satisfaction in private and new generation
banks. The original and empirical nature of the study has wider implications for the
service industry as a whole.

13
6. Nadeem Malik (2011) covers various sources related to stress at work, including
studies on role stress and work satisfaction, job stress, organizational effectiveness,
and staff burnout. It also references sources on violence and stress in financial
services, information technology-related stress, and the hospitality industry. The
review highlights the impact of workplace factors on stress and health risks, such as
long hours, work overload, lack of breaks, and poor work conditions. Additionally, it
emphasizes the importance of job development, relationships at work, and
organizational culture as buffers against stress. The review provides a comprehensive
overview of the existing literature on occupational stress and its implications for
employees and organizations.

7. Shukla & Garg (2013) discussed that most of the employees fear with the fact that
lack quality in their work puts stress on them. It is found that maximum number of
employees in banks remains in stress. 50% employees feel that they are overloaded
with work. 44% employees feel tensed due to their non-achievement of their target of
work. 38% employees accepted that they will obey the order of their boss by
sacrificing their important domestic function. It indicates fear and stress among
employees. 24% employees feel stress due to their family related problems. It means
such employees feel greater level of stress as compared to other employees. Half of
the employees accepted that there is conflict among the employees. It is a concern for
top management. Only 48% employees feel that strategies used by banks to manage
stress of employees are effective. Majority of the employees try to find solution to
relieve them from stress.50% employees use YOGA or other ways to relieve them
from stress. In spite of stress, majority of the employees balance in their social life.

8. Sankpal, S., Negi, P., & Vashishtha, J. (2010) in the study "Organizational Role
Stress of Employees: Public Vs Private Banks" focuses on the specific study of
organizational role stress, particularly in the context of the banking sector in India. It
highlights the lack of extensive research in this area, especially in comparison to
studies conducted in medical and health services. The study aims to address this gap
by examining and comparing organizational role stress among employees of public
and private banks. The standardized questionnaire developed by Pareek was used for

14
 data collection, and the data was analyzed using z-test to test 11 hypotheses. The
review provides a clear context for the study and emphasizes the significance of the
research in the Indian banking sector.
9. Balder M.R. (2011), the main motive is to analyse the cause of stress & how they
affect the overall job performance of banker. Stress became a huge issue all over the
world. Every sector, organizations, companies, industries, banks facing the stress
problem. In this paper researcher identify some important factors which is the reason
of stress these are heavy work load, high market competition, low salaries,
management peer support & behaviour, lack of acknowledgement, public dealing,
high targets, longer time frames at work, outcome of decisions. These causes of stress
are very harmful for banks. These stress cause gives negative impact of the
performance of bank employees. Banks should give extra salary & compensation for
overtime & banks should conduct career development plans & time management
procedure, extra time for refreshment, counselling sessions, motivational programs,
reward system, training programs, and promotional activities for employees. These
plans & programs are very helpful to reduce the stress & increase the job performance
of the employees

10. Ali T.V., Hassan A., Ali T. & Bashir R. (2013) "Stress Management in Private
Banks”published in the Journal of Emerging Trends in Economics and Management
Sciences (JETEMS) discusses the impact of stress on employees in private banks. It
analyzes various methods and techniques used by management to reduce stress among
private sector employees, focusing on how job stress influences personal and
professional lives, as well as the physical and mental health of employees. The article
identifies several stressors, such as late working hours, work overload, role conflict,
work-life imbalance, improper reward systems, lack of management support, and
communication gaps. It also addresses the health problems faced by employees and
suggests management techniques and strategies to overcome stress.

11. Dr. Muthusamy A.(2013) employees Stress can either enhance or hinder personal
effectiveness, depending on its level. Group stressors, including lack of cohesiveness,
social support, and conflicts, contribute to job stress. Individual factors such as

15
 personality, life changes, and work trauma also play a role in job stress. The fast-
paced nature of the modern world and the lack of time for relaxation and self-care are
significant contributors to job stress. The workplace is a major source of stress, as
employees often bring work home and have limited time for relaxation. Overall, the
abstract emphasizes the impact of stress on personal effectiveness and the various
factors contributing to job stress.

12. Hamdan Y. (2012), the main motive is to identify the work stress in organization &
explore how it affects the performance & productivity of any organization. Stress is
becoming a serious problem in this time. Researcher discussed many sources of stress
such as environmental, organizational, personal factors. These factors create stress
problems in organizations & organisations suffer low productivity, high absenteeism,
increased turnover & insurance costs. These problems affect growth & performance&
productivity of organization. Stress creates physical, mental & behavioural problems
like headache, tension, depression, anxiety, dissatisfaction, irritation, increased
drinking & smoking & eating habits, sleep disorder. It gives negative impact on
employee’s personal & professional life. So it is very necessary to take major steps to
solve stress problem. Organizations should start stress management programs, time
management programs, improve work life balance, technological system, promotional
plan, retirement plans & conduct counselling sessions, motivational & meditation
sessions.

13. Bashir U. & Ramay I., (2010), analysed the impact of stress on employee’s job
performance on banking sector of Pakistan. Banking sector play a significant role for
economic growth. Work pressure increasing very quickly in banking sector. Stress
affects performance of employees very badly. (Selly, 1936) first introduced the idea
of stress in to the life science. He defined stress as the force, pressure, or tension
subjected upon an individual who resists these forces and attempt to uphold its true
state. stress create many problems such as work overload, role ambiguity, role
conflict, lack of feedback, technological changes, organizational climate & structure.
Khan, Wolfe, Quinn & Snoek (1964), was designed four stressors work conflicts,
resource inadequacy, work overload & work ambiguity. In this paper, researcher

16
 shows the relationship between stress & job performance of employees. Employee’s
job performance is negatively correlated to job stress. Bank should organize some
plans & programs to reduce stress level between employees. Banks should start stress
management programs, time management procedure, reward system, motivational
programs. Banks management should support every employee & understand
employee’s problems. Management support & managerial strategies helps employees
overcome the stress problems.

14. Mr. R. Gopalakrishnan(2014) .“A Study on Employees Job Stress in Private Banking
Sectors with Special Reference to Madurai District"The literature review in the study
provides definitions and explanations of stress, highlighting its physical, mental, and
emotional impacts. It also discusses the causes of job stress, particularly in the
banking sector, and emphasizes the importance of stress management. The review
references various sources and studies to support the understanding of stress and its
effects on employees in the banking sector. Additionally, it suggests initiatives and
strategies to reduce stress, such as meditation, counseling, and reward programs.
Overall, the literature review effectively presents a comprehensive overview of stress
and its management in the context of the banking industry.

15. Michael Leny(2013) In the study "A Study on Occupational Stress among Public,
Private and Co-operative Bank Employees: A Comparative Study" focuses on the
impact of occupational stress on employees in the banking sector. It discusses the
universal nature of stress and its negative impacts on both employees and
organizations. The study compares the levels of occupational stress in public, private,
and Co-operative sector banks, highlighting that private bank employees experience
higher levels of stress compared to their counterparts in public and Co-operative
banks. The review identifies various factors contributing to occupational stress,
including excessive workload, dealing with ambiguous or delicate situations, lack of
consultation and communication, keeping up with new techniques and technology,
and inadequate guidance from supervisors. It also emphasizes the challenges faced by
bank employees, such as discrimination, favoritism, delegation, and conflicting tasks,
which hinder their ability to relax and unwind.

17
16. Kiran Rani Panwar and Prof. Beer Singh(2019) "Job Satisfaction and Occupational
Stress Among Public and Private Bank Employees"The study includes findings from
various studies related to job satisfaction and occupational stress among bank
employees. Hind (2013) concluded that factors like marital status, education level,
city, and duration of work positively affect job satisfaction, while gender, age, and
work itself do not substantially affect job satisfaction levels. Sangeeta Bhatnagar and
P.K. Jain (2014) examined the work-life balance of IT professionals in metro cities
and found a significant difference between age and losing temper. Reddy et al. (2016)
found that demographic variables greatly affect employee satisfaction levels, with
factors like pay, promotion, and supervision playing significant roles. Mrs. Caral
Lopes and Ms. Dhara Kachalia (2016) conducted a study in private and public banks,
concluding that there is a significant relationship between the type of banks, age,
gender, and education, impacting motivation for employees.

17. K. Suresh* & Dr. M. Hema Nalini(2016) The study "A Study on Sources of Stress
for Employees in Private Sector Banks" provides a comprehensive overview of
existing research on stress among bank employees. It references various studies such
as "Occupational Stress and the Nigerian Banking Industry," "The Impacts of
Occupational Stress of Selected Banking Sector Employees in Tamil Nadu," and "A
Study on Stress Management Among the Employees of Nationalized Banks," among
others. These studies explore the impact of stress on job performance, job satisfaction,
and the factors contributing to stress in the banking sector. The review effectively
contextualizes the current study within the broader body of research on stress in the
banking industry.

18. Dr. Kazi Fayz Ahamed and Md. Mizanur Rahman (2014) Conducted a study "Job
Stress of Public and Private Sector Commercial Bank Employees in Bangladesh: A
Comparative Scenario" on job stress encompasses several key findings from various
studies. Sarker and Uddin (2007) discovered a negative association between
environmental stress and job satisfaction, as well as a positive correlation between job
satisfaction and career intention and willingness to work longer hours. Sorcar and
Rahman (1993) reported that employees with low occupational stress experienced

18
 better mental health than those with high stress. Desai (1993) conducted research on
stress and mental workload in India, revealing that higher and middle management
had higher levels of stress, and mental workload was a significant contributor to
perceived stress. Wadud (1992) conducted research on occupational stress, mental
health, and job satisfaction among employees in public and private industries. These
findings collectively contribute to the understanding of job stress and its impact on
employees in various organizational settings.

19. M.Vetrivel (2019) Conducted a study named "A Study on Effects of Job Stress of
Employees in Indian Overseas Bank, Villupuram District” provides valuable insights
into the impact of job stress on employees in the banking sector. It uses a descriptive
and empirical research methodology, collecting primary and secondary data through
questionnaires and interviews. The study identifies factors contributing to job stress
and provides recommendations for managing stress, including balancing professional
and family life, role clarification, job-oriented training, and open communication
channels. Additionally, the study found a significant association between overall job
performance and the duration for conducting employee performance appraisals. This
research offers important implications for organizations to address employee stress
and improve overall well-being.

20. Saini Meenu, Pal Rishi, and Chaudhry Nirmala.(2014) Conducted a study named
“study of occupational stress among bank employees” focuses on the rapid changes in
the banking sector, including policy changes due to globalization and liberalization,
increased competition from private sector banks, downsizing, and the introduction of
new technologies. These changes have led to a high level of stress among employees,
particularly in dimensions such as Role Overload, Role Conflict, Intrinsic
Impoverishment, Poor Peer Relations, and Strenuous Working Conditions. The
literature also highlights the higher level of occupational stress experienced by
managers compared to non-managers, as well as the equal levels of stress among male
and female bank employees.

19
2.2 REFERENCES
1. Ms. Sharmila A., Asst. Prof, Ms. Poornima J., Lecturer (2011) International Journal of
Management, IT and Engineering.. A study on employee stress management in
selected private banks in Salem.. Volume 1(7), 148-161. Online ISSN: 2249-0558.
2. Dr. A. XAVIOR SELVAKUMAR(2015) Asia Pacific Journal of Research, Vol: I.
Issue XXVI, April 2015, ISSN: 2320-5504, E-ISSN-2347-4793,
3. Immanuel S. Lawrence, & Dr. Selvakumar A. Xaviour. (2020). A study on the job
stress management among the employees of public and private sector bank. , 10(6),
70-88. DOI: 10.5958/2249-877X.2020.00046.6
4. Navnindra Kumari & Prof. Ram Milan. "A STUDY ON STRESS AMONG THE
EMPLOYEES OF PRIVATE SECTOR BANK." International Journal of Research
and Analytical Reviews, Volume 5, Issue 3, July–Sept 2018.
5. George, E. and K.A., Z. (2015), "Job related stress and job satisfaction: a comparative
study among bank employees", Journal of Management Development, Vol. 34 No. 3,
pp. 316-329.
6. Nadeem Malik (2011) Vol.5 (8), pp. 3063-3070,
7. Harish Shukla and Ms. Rachita Garg (2013) STUDY ON STRESS MANAGEMENT
AMONG THE EMPLOYEES OF NATIONALISED BANKS STRESS
MANAGISMENT Voice of Research Vol. 2. Issue 3 December 2012 ISSN No.
2277-7733
8. Sankpal, S., Negi, P., & Vashishtha, J. (2010). Organizational Role Stress of
Employees: Public Vs Private Banks. , 3(1), 4.
9. Badar M.R. (2011), “Causing Stress and Impact on Job Performance, A Case Study of
Banks” European Journal of Business and Management, Vol 3, No.12
10. Ali T.V., Hassan A., Ali T. & Bashir R., (2013), “Stress Management in Private
Banks of Pakistan” Journal of Emerging Trends in Economics and Management
Sciences (JETEMS) 4(3):308-320.
11. Dr. Muthusamy A., Assistant Professor International Journal of Management, IT and
Engineering. (2012). A study on job stress among the bank employees. Volume 2(7),
201-211
12. Yara Hamdan , (2012), “Work Stress and its Management: A Practical Case Study,”
European Journal of Business and Management, Vol 4, No.18.

20
13. Bashir U. (2010), “Impact of “Stress on Employees Job Performance, a Study on
Banking Sector”, International Journal of Marketing Studies, Vol. 2, No. 1
14. Mr. R. Gopalakrishnan(2014) .“A Study on Employees Job Stress in Private Banking
Sectors with Special Reference to Madurai District", Volume 1, Issue 6, June 2014
15. Michael Leny(2013) A Study on Occupational Stress among Public, Private and Co-
operative Bank Employees: A Comparative StudySumedha Journal Of Management
Year : 2013, Volume : 2, Issue:4
16. Kiran Rani Panwar and Prof. Beer Singh(2019) "Job Satisfaction and Occupational
Stress Among Public and Private Bank Employees" RJPSS 2019, Vol. XLIV, No. 1,
pp. 114-127 Article No. 15
17. K. Suresh* & Dr. M. Hema Nalini(2016) "A Study on Sources of Stress for
Employees in Private Sector Banks" International Journal of Multidisciplinary
Research and Modern Education (IJMRME), Volume II, Issue II, 2016
18. Dr. Kazi Fayz Ahamed and Md. Mizanur Rahman (2014) The study is titled "Job
Stress of Public and Private Sector Commercial Bank Employees in Bangladesh: A
Comparative Scenario" , Jagannath University Journal of Business Studies, Vol. 4,
No. 1 & 2, 107-114, December, 2014
19. M.Vetrivel (2019) “A Study on Effects of Job Stress of Employees in Indian Overseas
Bank, Villupuram District.” Shanlax International Journal of Commerce, vol. 7, no. 4,
2019, pp. 55–62.
20. Saini Meenu, Pal Rishi, and Chaudhry Nirmala.(2014) International Journal of
Management, IT and Engineering volume:4 issue:8 4(8), 236-249.

21
 Chapter 3
THEORETICAL FRAMEWORK
MEANING OF STRESS

A state of tension experienced by an individual facing extraordin3ary demands constrains or

opportunities.

Stress is an adaptive response to an external situation that result in physical, psyhologycal

and or behaviarial deviations for organizational participants. Stress can be defined as an
overload demand state, where individual being present with more information, stimuli,
intensity and immediary than they can take in or process.

CAUSES OS STRESS

• To meet out the demands of the job.

• Relationship with collegues.
• To control staff under you.
• To meet deadlines.
• New work hours
• Promotion
• Change of the job.
• Work against will.
• Harrasment.

How to manage stress

Managing stress is all about taking change of your thoughts your emotion schedule
environment and the way you deal with problems stress management involves changing the
stresssful situations. When you can changng your reaction when you cant take care of
yourself and making time for rest and relaxaction.

Stress managemnt
The work place is challenging job assignmemnt followed by moderate stress of compatative
sipirt constructive conflict and zeal to get ahead of others and a way in which individual are
deal with stress at work is called stress management.

Some strategies used by individual and organization for managinbg the stress.

➢ Individual strategies
• Time management.

22
 • Meditation and exercise.
• Physical exercise.
• Muscle relaxation.
• Bio feedback.
• Cognitive restructuring.

➢ Organizational strategies
• Role clarity.
• Supportive climate.
• Clear career plan.
• Company wide program.

Advantages of stress management

Business advantages of stress mangement

1. Less absenteeism due to stress related disorders

2. Less workers compoensation loss due to stress realated illness or accident.
3. Improved job performance.
4. Less stressful, more efficient workplace.
5. Improved employee attitude.
6. Improved employee overall health.

Health advantages of stress management

1. Decreased stress related symptoms.

2. Improved sleep.
3. Decreased anxiety.
4. Increased sense of control and improved self-esteem.

Consumer advantages of stress management

1. No side effects.
2. No pharmacological.
3. Non-surgical.
4. Cost effect. One of the positive points of these banks is that, lean heavily on service
and technology and such, they are likely to attract more bussiness.

23
DEFINITION OF STRESS:
Stress is an adaptive response, mediated by individual differences and/or psychological
processes that is a consequence of any external action, situation, or event that places
excessive psychological and/or physical, and/or demands upon a person. Stress is an
interaction between individuals and any source of demand (stressors) within their
environment. A Fortress is the object or event that the individual perceives to be disruptive.
Stress results from the perception that the demands exceed one's capacity to cope. The
interpretation or appraisal of stress is considered an intermediate step in the relationship
between a given fortress and the individual's response to it. Appraisals are determined by the
values, goals, individual commitment, as personal resources (e.g., income, family, self-
esteem), and coping strategies that employees bring to the situation.

Stress means constraining force or influence as:

1. A force exerted when one body or body part presses on, pulls on, pushes against or
tends to compresses or twist another body or body part,
2. The deformation caused in a body by such a force,
3. A physical, chemical or emotional factor that causes bodily or mental tension and may
be a factor of disease causation, and
4. A state resulting from a stress, especially from factors that tend to alter an existing
equilibrium.

CONCEPT OF STRESS:
Stress is a person's adaptive response to a stimulus that places excessive psychological or
physical demands on that person.Stress produces various physiological and psychological
dysfunctions like severe tension, undue fatigue, high blood pressure, excessive worry and
sometimes it may also lead to heart attack. If a person is experiencing stress and has the stress
tolerance capacity, then he may be able to manage it temporarily but those who do not have
that capacity might get excessively upset and angry unreasonably

1. Alarm Reaction: The first stage includes an 'Initial-Shock Phase' in which resistance is
lowered, a 'Counter Shock Phase' in which defensive mechanism becomes active. Alarm
reaction is characterized by increased respiration, rise in the blood pressure, dilated pupils
and tensed muscles. Depending on the nature and intensity of the threat and the condition of
the organism, the periods of resistance vary, and severity of symptoms may differ from 'mild
invigoration' to 'Disease adaptation'.

2. Stage of resistance: Maximum adaptation occurs during this stage. The bodily signs
characteristic of alarm reaction disappears. Resistance increases to levels above normal. If the

24
stressors persist, or the defensive reaction proves ineffective, the organism deteriorates to the
next stage. A sign of being in the resistance stage includes fatigue, anxiety and tension.

PRIVATE-SECTOR BANKS IN INDIA

In India private banks are available in plenty and known for offering expeditious service to
their customers

Thanks to globalization that prompted many foreign banks to expend their business
throughout world and India became the most preferred destination. Today you can find lots of
foreign bank that are engaged to serve the customers in the best possible manner and made its
stand strong by offering 24x7 hour service.

All those banks where greater parts of stake ore equity are held by the private shareholders
and not by government are called" private-sector banks". These are the major players in the
banking sector as well as in expansion of the business activities India. The present private-
sector banks equipped with all kinds of contemporary innovations, monetary tools and
techniques to handle the complexities are a result of the evolutionary process over two
centuries. They have a highly developed organizational structure and are professionally
managed. Thus, they have grown faster and stronger since past few years.

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 CHAPTER 4
DATA ANALYSIS AND
INTERPRETATION
 TABLE 4.1
RESPONDENTS GENDER

options No. Of respondents percentage

Male 24 48%
Female 26 52%
Others 0 0
Total 50 100%
Source: primary data

CHART 4.1
RESPONDENTS GENDER

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The above chart shows 48% respondents are male and 52% respondents are female.

TABLE 4.2
RESPONDENTS AGE

Age groups No of respondents Percentage

15-20 18 36
20-30 30 60
30-40 2 4
50-60 0 0
Total 50 100
Source: primary data

CHART 4.2
Respondents age

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The above data shows majority of respondents ( 60% ) age lies between 20-30 and (36%)
lies between 15-20 age , (4%) lies between 30 – 40 and (0%) lies between 50-60 age class.

TABLE 4.3
Working experience
Options No of respondents Percentage
Fresher 36 72
1-3 8 16
3-5 6 12
Total 50 100
Source: primary data

Chart 4.3
Working experience

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Out of 50 employees 72% are freshers, 16% have experience of 1-3 years and 12% of
employees have working experience of 3-5 years.

TABLE 4.4
WORKING HOURS
Options No of respondents Percentage
7-8 hours 40 20
8-10 10 60
Total 50 100

Chart 4.4
Working hours

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Out of 50 employees 80% are working 7-8 hours a day and 20% are working 8-10 hours.

TABLE 4.5
Working days per week

Options No of respondents Pecentage

5 days 25 50
6 days 25 50
Total 50 100
Source: primary data

CHART 4.5
Working days per week

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Out of 50 employees 50% are working 5 days a week and other 50% are working 6 days.

TABLE 4.6
Annual gross salary

Options No of respondents Percentage

Less than 5 lakhs 41 82
5-10 lakhs 5 10
10-15 lakhs 2 4
15 lakhs and above 2 4
Total 50 100
Source: primary data

CHART 4.6
Annual gross salary

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Out of 50 employees 82% employees having annual gross salary less than 5 lakhs, 10% are
5-10 lakhs, 4% are 10-15 lakhs and only 4% are having 15 lakhs and above annual gross
salary.

TABLE 4.7
Feelings about your job

Options No of respondents percentage

Challenging 22 44
Boring 4 14
Interesting 21 42
Total 50 100
Source: primary data

CHART 4.7
Feelings about your job

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Out of 50 employees 44% are feeling the job as challenging, 14% are feeling boring and 42%
are feeling intresting.

TABLE 4.8
Are you satisfied with the Pay package provided by the organization?

Options No of respondents Percentage

Highly satisfied 14 14
Satisfied 31 62
Dissatisfied 3 6
Neutral 18 18
Total 50 100
Source: primary data

CHART 4.8
Are you satisfied with the Pay package provided by the organization?

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Out of 50 employees 62% are satisfied of the paypackage , 14% are highly satisfied ,18% are
neutral and 6% are dissatisfied.

TABLE 4.9
Rate the level of job stress

Options No of respondents Percentage

Mild 15 15
Moderate 26 30
Severe 9 18
Total 50 100
Source: primary data

CHART 4.9
Rate the level of job stress

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Out of 50 employees 52% has moderate level job stress, 30% has mild and 18% has severe
job stress.

TABLE 4.10
How do you handle stress situation

Options No of respondents Percentage

Optimistically 20 40
With the help of others 17 34
Depends upon level 13 26
Total 50 100
Source: primary data

CHART 4.10
How do you handle stress situation

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Out of 50 employees handles stress situation with the help of others, 26% are handle the
stress based upon the level of stress, and 40 handles the stress optimisticaly.

TABLE 4.11
Satisfaction level in current job

Options No of respondents Percentage

Satisfied 24 48
Highly satisfied 6 12
Neutral 14 28
Dissatisfied 5 10
Highly dissatified 1 2
Total 50 100
Source: primary data

CHART 4.11
Satisfaction level in current job

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Out of 50 employees 48% are satisfied with their job, 12% are highly satisfied, 28% are
neutral, 10% are dissatisfied and 2% are highly dissatisfied.

TABLE 4.12
How would you rate the level of your job pressure

Options No of respondents Percentage

Mild 10 20
Moderate 29 58
Severe 7 14
Extreme 4 8
Total 50 100
Source: primary data

CHART 4.12
How would you rate the level of your job pressure

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Out of 50 employees 58% has moderate job poressure, 20% has mild level of pressue, 8% has
extreme level and 14% has severe job pressure.

TABLE 4.13
Do you feel you have a healthy work life balance?

Options No of respondents Percentage

Yes 36 72
No 14 28
Total 50 100
Source: primary data

CHART 4.13
Do you feel you have a healthy work life balance?

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Out of 50 employees 72% has a healthy work life balance and 28% says not having a healthy
work life balance.

TABLE 4.14
How to do manage stress?

Options No of respondents Percentage

Doctors' treatment 4 2
Regular exercise 26 52
Prayer 5 10
entertainment/other 17 34
Total 50 100
Source: primary data

TABLE 4.14
How to do manage stress?

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Out of 50 responses 52% of employees manage stress by regular exercise, 10% are managing
stress through prayer, 4% employees seek doctors' treatment and 34% are managing stress
through entertainments or other activities.

TABLE 4.15
How often do you have a hard time feeling relaxed

Options No of respondents Percentage

Never 11 22
Occasionally 24 28
About half of the time 7 14
Most of the time 5 10
Always 3 6
Total 50 100
Source: primary data

CHART 4.15
How often do you have a hard time feeling relaxed

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Out of 50 employees 48% are having a hard time feeling relaxed, 6% are always having hard
time feeling relaxed, 14% are half of the time feeling relaxed and 22% is never having a hard
time feeling relaxed.

TABLE 4.16
Are you constantly expected to perform good at work

Options No of respondents Percentage

Strong disagree 8 16
Agree 30 60
Disagree 4 8
Neutral 8 16
Total 50 100
Source: primary data

CHART 4.16
Are you constantly expected to perform good at work

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Out of 50 respondents 60% are agreed that they are constantly expected to perform well at
work,8% disagree, 16% are strongly disagree and 16% are neutral.

TABLE 4.17
How long you had the job stress

Options No of respondents Percentage

Less than a month 17 34
1-6 months 4 8
6 months-1 year 17 34
Total 50 100
Source: primary data

CHART 4.17
How long you had the job stress

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Out of 50 employees 34% had the job stress to 1-6 months, 8% had 6 months - 1 year and
58% had job stress less than a month.

TABLE 4.18
Select the symptoms you experience due to stress

Options No of respondents Percentage

Frequent headaches 21 42
Depression 15 30
Over sensitivity 7 14
Others 7 14
Total 50 100
Source: primary data

CHART 4.18
Select the symptoms you experience due to stress

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Out of 50 responses 42% of the employees are having frequent headaches as a symptom of
stress, 30% having depression, 14% having over sensitivity and 14% are having other
symptoms.

TABLE 4.19
How many attempts have you made to relieve your stress solve the
causing

Options No of respondents Percentage

None 21 42
One 9 18
Two 10 20
Three or more 10 20
Total 50 100
Source: primary data

TABLE 4.19
How many attempts have you made to relieve your stress solve
the causing

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Out of 50 response 42% of employees are not attempting to solve the cause of stress, 18%
are making one attempt, 20% made two attempts and 20% made three or more attempts.

45
 CHAPTER 5
MAJOR FINDINGS, SUGGESTIONS
AND CONCLUSION
5.1 FINDINGS 0F THE STUDY
i. The majority of the respondents' age lies between 20-30 (60%), 36% belong to 30-40,
4% belong to 30-40 and no respondents in the age group 50-60.
ii. 52% of respondents are female, 48% belongs to male and nobody belongs to others.
iii. Most of the employees (72%) are freshers.
iv. 80% of employees work 7-8 hours a day and only 20% works 8-9 hours.72% are feels
they have a helathy work life balance.
v. Most of the employees (62%) of employees are satisfied with their salary, 82% of the
employees' annual gross salary is 5 lakhs or less than 5 lakhs and 10% is having 5 to
10 lakhs.
vi. Data shows that employees have stress and most of the employees (52%) has
moderate level stress and 18% has severe, 30 has mild level of stress
vii. Employees manage stress with different method only 4% of respondents are seeking
doctors' treatment to manage stress, most of the employees (52%) are doing exercise,
and 34% managing through Entertaiment and other activities.
viii. It comes to know that Major symptom of stress is frequent headaches (42%), 30% is
depression.
ix. Most of the employees have not attempted to solve the stress cause.
x. Majority employees are expected to perform well at work (60%)

5.2 SUGGESTIONS

46
 i. Private banks must reduce work pressure on employees, Stress in private banks is
mostly due to work pressure.
ii. A professional should be employed so that stress audits can be conducted at all levels
in the organization and the main cause of stress can be identified.
iii. Employee health is being given priority over things. A healthy employee can satisfy
the customer and customer satisfaction is the priority of any organization.
iv. Employees must get enough sleep and exercise regularly.
v. The employees must give importance to time management techniques thereby they
can complete their work within the specific time.
vi. Private banks should maintain employee skills recognition, welfare, and reward
systems properly.
vii. Employers should provide a stress-free work environment, recognize where stress is
become a problem for staff and take action to reduce it.

5.3 CONCLUSION:

After studied the stress management on private bank employees, it is concluded that The
problem of stress is inevitable and unavoidable in the private banking sector. private sector
banks most of the employees have stress problems and these causes gives bad impact on
employee's life.Large numbers of employees agree with this. After this, study recognized the
health problems of employees because stress also gives negative impact on employee's
health. I private sector banks most of the employees suffer headache, mood swings problem,
easily frustrated with anyone and increase or decrease appetite and blood pressure high and
low problem. These health issues are very harmful of employee's health. the organization
should support and encourage taking up roles that help them to balance work and family.
productivity of the work force is the most decisive factor as far as the success of an
organization is concerned the productivity in turn is dependent on the psychosocial wellbeing
of the employees. In private banks employees have no time to manage the personal and
professional life both that's why they did not give more attention to their health so after this
they suffer these types of health problems which gives bad effect on employee's life. And this
study also depicts the impact of stress on employee's performance. Everyone knows that most
of the time stress gave negative impact on employees' performance but some of the time it
gave positive impact. It's based upon employees' situations and capabilities that which level
of stress employees facing and how to take stress positive way or negative way. Most of the
employees it stresses in negative way. In this study most of the time stress affects employee's
performance. This study intended to know on stress management on private Bank employees.
Although certain limitations were met with the study, every effort has been made to make it
much comprehensive.

47
BIBLIOGRAPHY
• Dr. Mini Amit Arrawatia, Deepanshi (2017) A STUDY OF STRESS
MANAGEMENT ON PRIVATE BANKS EMPLOYEES AND IMPACT OF
STRESS ON EMPLOYEE’S PERFORMANCE AND HEALTH, International
management of science technology and management vol.no.6, issue 07, July 2017.

• Akankshi Singh, Dr.R.P.Gupta Research scholar Head of commerce G.D.C.Rewa

(M.P.) (2016) Stress Management of Banking Sector Employees Vol. 6 | Iss. 3 |
March 2016 | 1

• Mr. Manjunatha M K., Dr.M.S.Yathish Chandra A Study on The Cause of Stress

Among Employees in Private Banking Sector International Journal for Research in
Engineering Application & Management (IJREAM)ISSN: 2454-9150 Vol-06, Issue-
12, MAR 2021
• Ms. Tejashwini K C Impact of Stress on the Performance of Bank Employees
International Journal of Scientific Research in Engineering and Management
(IJSREM) Volume: 07 Issue: 05

• Ms. Elizabeth Paul Chakkachamparambil (2021) A Study on Occupational Stress

Among Women Employees in Private Banking Sector with Specia lReference to
Thrissur District International Journal of Advanced Research in Science,
Communication and Technology (IJARSCT) Volume 9, Issue 1, September 2021

• Kumari Soni Sunil (2020) Stress management in Indian banking: An overview

international Journal of Commerce and Management Research Volume 6; Issue 1;
January 2020; Page No. 124-126

• Dr. (Sr) Christina Bridget (2015) A Study on Occupational Stress among Bank
Employees of ICICI Banks at Trichy District IJEMR – July 2015 - Vol 5 Issue 7 -
Online - ISSN 2249–2585 Print - ISSN 2249-8672

• https://rcm.ac.in/a-study-on-stress-among-employees-in-banking-industry/

• http://www.ijstm.com/images/short_pdf/1500542163_ijstm_125.pdf

48
APPENDIX
 Questionnaire
1. Name
2. Gender
 Male
 Female
 Other
3. Age group
 15-20
 20-30
 30-40
4. Working Experience
 Fresher
 1-3years
 3-5years
5. Working hours
 7-8 hours
 8-10 hours
6. Working days per week
 5days
 6days
7. Annual gross salary
 Less than 5 lakhs
 5-10 lakhs
 10-15 lakhs
 15lakhs and above
8. Feelings about your job
 Challenging
 Boring
 Interesting
9. Are you satisfied with the Pay package provided by the organization?
 Highly satisfied
 Satisfied
 Dissatisfied
 Neutral
10. Rate the level of job stress you have
 Mild
 Moderate
 Severe
49
11. How do you handle dress situation?
 Optimistically
 With the help of others
 Depends upon level
12. Show your satisfaction level in the current job
 Highly satisfied
 Satisfied
 Neutral
 Dissatisfied
 Highly dissatisfied
13. How would you rate the level of your job pressure
 Mild
 Moderate
 Severe
 Extreme
14. Do you feel you have a healthy work life balance?
 Yes
 No
15. How do you manage stress?
 Doctors' treatment
 Regular exercise
 Prayer
 Entertainment / Other
16. How often do you have a hard time feeling relaxed
 Never
 Occasionally
 About half of the time
 Most of the time
 Always
17. Are you constantly expected to perform well at work
 Strongly disagree
 Agree
 Disagree
 Neutral
18. How long you had the job stress
 Less than a month
 1-6 month
 6 months-1year
19. Select the symptoms you experience due to stress
 Frequent headaches
 Depression
50
  Over sensitivity
 Others
20. How many attempts have you made to relieve your jobs stress solve the causing
 None
 One
 Two
 Three or more

THANK YOU FOR YOUR CO-OPERATION

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