TAILIEUCHUNG - Cost –Benefit and Usage Behaviour Analysis of No Frills Accounts: A Study Report on Cuddalore District

Qian, Roland, and Xu (2005) and Roland (2000:56-65) capture the stylized difference of Russian and Chinese coordination in their modeling of U-form and M-form organizations. Soviet, vertically-integrated branch divisions represented U-form structures formed along functional lines, while in China, regionally-decentralized, M- form structures could coordinate activities across all industries in a single region. These decentralized arrangements reduced information costs, facilitated small-scale experimentation, and contributed to China’s increased flexibility. However, in the absence of horizontal product and input markets, decentralization led to wasteful duplication and barriers to the movement of goods between provinces. Still, Qian, Roland, and Xu. | CENTRE FOR MICRO FINANCE College of Agricultural Banking Institute for Financial Management and Research Centre for Micro Finance December 2008 Cost -Benefit and Usage Behaviour Analysis of No Frills Accounts A Study Report on Cuddalore District S. Thyagarajan Jayaram Venkatesan S. Thyagarajan is a Member of Faculty at the College of Agricultural Banking Reserve Bank of India Pune http . Jayaram Venkatesan is a Research Consultant at the Centre for Microfinance http cmf . The views expressed in this paper are entirely those of the authors and do not in anyway reflect the views of the institutions with which they are associated. 5. Thyagarajan Jayaram Venkatesan Cost -Benefit Usage Behaviour Analysis of No Frills Accounts Contents Executive 1. Literature Notable Indian 2 Financial Inclusion Cuddalore District A 3 Study Financial Inclusion Project Sources for Account Usage Sources for Cost and Break Even of No Frills Sources for 4. Financial Inclusion Project New Accounts Opened Variations in Willingness Reported by Banks .20 . Households Response Unwillingness of Willingness of Branch Manager 5 Account Usage Analysis of Field Analysis of Balances Maintained. 33 6. Cost and Break Even of No Frills Account Opening Account Maintenance Break Even 7. Conclusions and Bibliography . 51 ANNEXES. 52 2 5. Thyagarajan Jayaram Venkatesan Cost -Benefit Usage Behaviour Analysis of No Frills Accounts Acknowledgements First we would like to thank Mr. Sandip Ghose Chief General Manager and .

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