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September2011IJMT Volume 1, Issue 4 ISSN: 2249-1058__________________________________________________________It can be concluded that in HDFC bank various factors contributing to the satisfaction level ofconsumer are ATM facility, debit card, low interest rates on loans, internet banking high depositrates, depository services, safety of funds and so on.It can be concluded from the above analysis that in both banks technology enabled services andinterest rates on deposits and loans are the most important factors affecting satisfaction ofcustomers. On the other hand factors like closeness to work areas, banking hours, closeness tohome are less significant in enhancing customer satisfaction.EMPLOYEES-RELATED, SERVICE-RELATED AND ATM-RELATED FACTORSAFFECTING CUSTOMER SATISFACTION IN SBI & HDFC BANK:Key:I – Excellent II – Very good. III – JustsatisfiedIV – Poor.V – Very poor.Table 2Employees-related, Service-related and ATM related Factors affecting Satisfaction Level ofCustomersSatisfaction Level SBI HDFC BankEmployeesI II III IV V WAS I II III IV V WASStaff knowledge 101 44 10 10 5 1.329411765 140 15 10 5 0 1.705882353Employees dress andappearance 70 30 20 20 30 0.529411765 149 11 10 0 0 1.817647059Pleasing Manners 95 25 20 10 20 0.970588235 150 20 0 0 0 1.882352941Friendly staff willing tohelp130 15 15 10 0 1.558823529 120 25 15 0 0 1.558823529A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial DirectoriesIndexed & Listed at: Ulrich's Periodicals Directory ©, U.S.A., Open J-Gage as well as in Cabell’s Directories of Publishing Opportunities, U.S.A.International Journal of Marketing and Technologyhttp://www.ijmra.us31