An analytical study to understand payment patterns towards various utilities bills with special reference of baroda city

With the change in technology, change in the mind set, income level, consumption pattern, new facilities offered by banks and other agencies the payment methods of the people towards various activities has been changed. More over the people staying in urban area and the people who are stating in rural area they also have the different payment patterns towards different expenses like gas bill, fuel bill, electricity bill etc . Here with reference to this research paper an attempt has been made to identify the different payment patterns specifically with reference to the various selected utilities bills. The basic motto behind this research paper is to identify the preferences towards different types of utility bills and this will be helpful to the different agencies to take appropriate decision to make more efficient usage of their services to offer more satisfaction to the customers.