Title: SURVIVAL STRATEGIES OF PRIVATE SECTOR BANKS: EMPLOYEE PERSPECTIVES IN TAMIL NADU
Author: PONMANIKANDAN.S and Dr. C. K. MUTHUKUMARAN
Abstract:

In the face of rapid technological change, rising competition, economic fluctuations, and evolving customer expectations, private sector banks must adopt effective survival strategies to sustain performance and competitiveness. This study explores employee perspectives on survival strategies adopted by private sector banks in Tamil Nadu. The study examines key strategies such as technological innovation, customer relationship management, human resource development, risk management, and service quality enhancement. Primary data were collected through structured questionnaires administered to bank employees. The findings reveal that technological integration, employee training, proactive customer engagement, and risk mitigation practices are considered critical to survival. However, employees identify challenges such as resistance to change, workload pressures, and skill gaps. The study provides actionable insights for bank managers to strengthen strategic resilience in a dynamic financial environment.

Keywords: Survival Strategies, Private Sector Banks, Employee Perspectives, Competitive Advantage, Tamil Nadu
DOI: https://doi.org/10.38193/IJRCMS.2026.8173
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Date of Publication: 22-02-2026
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Published Vol & Issue: Volume 8 Issue 1 Jan-Feb 2026