Project_Loans and Advances

7/24/2019 Project_Loans and Advances

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EXECUTIVE SUMMERY

Financial sector reform in India has progressed rapidly on aspects like interest rate

deregulation, reduction in reserve requirements, prudential norms and supervision of risk.

Though the progress on the structural institutional aspects have been comparatively slower,major changes required to take the Loans and dvances problem has gained importance.

!handrapur based "hri #anyka "ahakari $ank is !o%&perative bank in India, that has a

substantive history since '()(. The bank not only deals in retail banking providing utility

services to its customers but has also e*panded its area of operation in multidimensional services

like merchant banking, agri business consultancy and e%banking. It recently registered a core

profit of +s. ') Lakhs in the financial year -arch )%-arch '/. The report deals with a clear

understanding of the lending procedures followed by "hri #anyka "ahakari $ank. It not only

e*plains the basic concepts and the terminologies used in the banking sector but also gives an

insight into the legal aspects and the paper work required for final sanction of a loan proposal.

0ifferent types of advances, method of assigning credit limit and drawing power to individuals

and business units has been a part of the study during the internship period. The credit rating

methods applied by the banks to rate the credibility of the prospective clients, securities accepted

against lending and calculation of 1quated -onthly Installments have also been discussed to

give an overview of the lending concept of the bank. The most important part of the study

includes case analysis of 234 Infotech. This e*plains the significance of financial ratios and

credit rating of the client in a precise manner. The forecasting of pecuniary status of the

prospective borrower is shown by the study of balance sheets sand other financial details

furnished by the borrower and the bank.

Later, the report includes the final sanction of the loans, their regular monitoring and

conversion of accounts into standard or bad debts. The treatment of those 5on 6erforming ssets

and the recovery of the same along with the legal procedure followed by the bank are discussed

in great detail.

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ORGANISATION PROFILE

INTRODUCTION TO BANKING SECTOR

$ank is a financial institution licensed by a government.Its primary activities include

borrowing and lending money. -any other financial activities were allowed over time. For

e*ample banks are important players in financial markets and offer financial services such as

investment funds. The level ofgovernmentregulationof the banking industry varies widely, with

countries

TYPES OF BANKS

$anks7 activities can be divided into8%

Retail bankingdealing directly with individuals and small businesses9

B!"ine"" bankingproviding services to mid%market business9 corporate banking, directed at

large business entities9

P#i$ate banking, providing wealth management services to high net worth individuals andfamilies9

In$e"t%ent banking is relating to activities on the financial markets.-ost banks are profit%

making, private enterprises. :owever, some are owned by government, or are non%profit

organi;ations.

Cent#al bank" are normally government%owned and charged with quasi%regulatory

responsibilities, such as supervising commercial banks, or controlling the cash interest rate. They

generally provide liquidity to the banking system and act as the lender of last resortin event of a

crisis.

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IMPORTANCE OF A BANK

SAFETY OF MONEY&

The money with the bank remains in safe custody there is always risk in keeping cash with

one


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BANKING IN INDIA

>ithout having sound and effective banking system India cannot have healthy economy.

The banking system of India should not only be hassle free but it should be able to meet new

challenges posed by the technology and any other e*ternal and internal factors. $anking in India

originated in the last decades of the ')th century. The oldest bank in e*istence in India is the

"tate $ank of India,a government%owned bank that traces its origins back to ?une ')@ and that

is the largest commercial bank in the country. !entral banking is the responsibility of the +eserve

$ank of India, which in '(A/ formally took over these responsibilities from the then Imperial

$ank of India, relegating it to commercial banking functions. fter India7s independence in '(BC,

the +eserve $ank was nationali;ed and given broader powers. In '(@( the government

nationali;ed the 'B largest commercial banks9 the government nationali;ed the si* ne*t largest in

'().

!urrently, India has ()* scheduled commercial banks D"!$sE % (+public sector banks

Dthat is with the overnment of India holding a stakeE, *, private banks Dthese do not have

government stake9 they may be publicly listed and traded on stock e*changesE and -, foreign

banks.

The oldest bank in e*istence in India is the State Bank ./ In0ia, which originated in the

$ank of !alcutta in ?une ')@, which almost immediately became the $ank of $engal. This was

one of the three presidency banks, the other two being the $ank of $ombayand the $ank of

-adras, all three of which were established under charters from the $ritish 1ast India !ompany.

For many years the 6residency banks acted as quasi%central banks, as did their successors. The

three banks merged in '(/ to form the Imperial $ank of India, which, upon India7s

independence, became the "tate $ank of India

STRUCTURE OF INDIAN BANKING

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RESERVE BANK OF

(RBI)

SCHEDULED BANKS IN

COMMERCIAL BANKS COOPERATIVE BANKS

REGIONAL RURAL BANKS (196)PRIVATE SECTOR BANKS (30)PUBLIC SECTOR BANKS (2)FOREIGN BANKS (40)

NE! (")OLD (22)

NATONALI#ED BANKS (19)SBI AND ASSOCIATE BAN

URBAN COOPERATIVES ($2)STATE COOPERATI

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COOPERATIVE BANKING INTRODUCTION

!ooperative banking is retail and commercial banking organi;ed on a cooperativebasis.

!ooperativebanking institutionstake deposits and lend money in most parts of the world. The

!ooperative banks have a history of almost ' years. The !ooperative banks are an important

constituent of the Indian Financial "ystem, judged by the role assigned to them, the e*pectations

they are supposed to fulfill, their number, and the number of offices they operate. The

cooperative movement originated in the >est, but the importance that such banks have assumed

in India is rarely paralleled anywhere else in the world. Their role in rural financing continues to

be important even today, and their business in the urban areas also has increased phenomenally

in recent years mainly due to the sharp increase in the number of primary cooperative banks.

>hile the cooperative banks in rural areas mainly finance agricultural based activities including

farming, cattle, milk, hatchery, personal finance etc. along with some small scale industries and

self%employment driven activities, the co%operative banks in urban areas mainly finance various

categories of people for self%employment, industries, small scale units, home finance, consumer

finance, personal finance, etc.

DEFINITION

cooperative bank is a financial entity which belongs to its members, who are at the same time

the owners and the customers of their bank.

ORIGIN OF COOPERATIVE BANKS IN INDIA

The origins of the cooperative banking movement in Indiacan be traced to the close of

nineteenth century when, inspired by the success of the e*periments related to the cooperative

movement in $ritain and the cooperative credit movement in ermany, such societies were set

up in India. They are the primary financiers of agricultural activities, some small%scale industries

and self%employed workers. The nyonya !ooperative $ankin India is considered to have been

the first cooperative bank in sia.

!ooperative movement is quite well established in India. The first legislation on

cooperation was passed in '(B. In '('B the -aclagen committee envisaged a three tier structure

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for cooperative banking vi;. 6rimary gricultural !redit "ocieties D6!sE at the grass root level,

!entral !ooperative $anks D!!$sE at the district level and "tate !ooperative $anks D"!$sE at

state level or pe* Level. The first urban cooperative bank in India was formed nearly ' years

back in $aroda.

In the beginning of th century, availability of credit in India, more particularly in rural

areas, was almost absent. gricultural and related activities were starved of organi;ed,

institutional credit. The rural folk had to depend entirely on the money lenders, who lent often at

usurious rates of interest.

The cooperative banks arrived in India in the beginning of th !entury as an official

effort to create a new type of institution based on the principles of cooperative organi;ation and

management, suitable for problems peculiar to Indian conditions. These banks were conceived as

substitutes for money lenders, to provide timely and adequate short%term and long%term

institutional credit at reasonable rates of interest. In the formative stage !ooperative $anks were

Grban !ooperative "ocieties run on community basis and their lending activities were restricted

to meeting the credit requirements of their members. The concept of Grban !o%operative $ank

was first spelt out by -ehta $hansali !ommittee in '(A( which defined on Grban !ooperative

$ank. 6rovisions of "ection / D!!=E of $anking +egulation ct, '(B( Das applicable to !o%

operative "ocietiesE defined an Grban !ooperative $ank as a 6rimary !o%operative $ank other

than a 6rimary !ooperative "ociety was made applicable in '(@@.

FEATURES OF COOPERATIVE BANKS

!ooperative $anks are organised and managed on the principal of co%operation, self%help,

and mutual help. They function with the rule of Hone member, one voteH. Function on Hno

profit, no lossH basis.

!ooperative banks, as a principle, do not pursue the goal of profit ma*imi;ation.

!ooperative bank performs all the main banking functions of deposit mobili;ation,

supply of credit and provision of remittance facilities. !ooperative $anks provide limited

banking products and are functionally specialists in agriculture related products.

:owever, cooperative banks now provide housing loans also.

!ooperative bank do banking business mainly in the agriculture and rural sector.

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!ooperative banks are perhaps the first government sponsored, government%supported,

and government%subsidi;ed financial agency in India. They get financial and other help

from the +eserve $ank of India 5$+0, central government and state governments.

!ooperative $anks belong to the money market as well as to the capital market.

6rimary agricultural credit societies provide short term and medium term loans.

!ooperative banks are financial intermediaries only partially. The sources of their funds

DresourcesE are8

DaE !entral and state government,

DbE The +eserve $ank of India and 5$+0,

DcE &ther co%operative institutions,

DdE &wnership funds and,

DeE 0eposits or debenture issues.

It is interesting to note that intra%sectoral flows of funds are much greater in cooperative

banking than in commercial banking. Inter%bank deposits, borrowings, and credit from a

significant part of assets and liabilities of cooperative banks. This means that intra%

sectoral competition is absent and intra%sectoral integration is high for cooperative bank.

!ooperative $anks are subject to !++ and liquidity requirements as other scheduled and

non%scheduled banks are. :owever, their requirements are less than commercial banks.

"ince '(@@ the lending and deposit rate of commercial banks have been directly regulated

by the +eserve $ank of India.

TYPES OF COOPERATIVE BANKS

12 STATE COOPERATIVE BANKS 3SCB"2

"tate cooperative banks are a federation of central cooperative banks and act as a

watchdog of the cooperative banking structure in the state. Its funds are obtained from share

capital, deposits, loans and overdrafts from the +eserve $ank of India. "tate cooperative banks

lend money to central cooperative banks and primary societies and not directly to farmers.

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(2 CENTRAL COOPERATIVE BANKS 3CCB"2

!entral cooperative banks are the federations of primary credit societies in a district and

are of two types those having a membership of primary societies only and those having a

membership of societies as well as individuals. The funds of the bank consist of share capital,

deposits, loans and overdrafts from state cooperative banks and joint stocks. These banks finance

member societies within the limits of the borrowing capacity of societies.

*2 PRIMARY AGRICULTURAL CREDIT SOCIETIES 3PACS2

!ooperatives have played a major role in the supply of finance to agricultural sector for

the development of land, irrigation system and for its mechani;ation. The agricultural

cooperative credit in 6unjab is divided into two sectors mainly, one dealing with short and

medium%term credit and the other with the long%term credit. The long term credit is awarded

from the 6unjab "tate !ooperative Land -ortgage $anks at the ape* and the 6rimary

!ooperative Land -ortgage $anks at districtJtehsil level.

-2 PRIMARY COOPERATIVE BANKS 3PCB"2

They are non%agricultural societies. These are of two types8 Grban cooperative banks and

"alary earners< societies. 0evelopment of 6!$s is looked after by the +$I. The +$I and I0$I

offer them concessional refinance facility on a selected basis. They operate in urban and semi%

urban areas. They provide housing finance and loans and advances for various purposes such as

petty trade and industry.

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DIFFICULTIES FACED BY COOPERATIVE

BANKS IN RURAL AREAS

12 Sl.4 5#.g#e""& The progress of co%operative banks is not up to the e*pectation and is slow

when comparing other type of banks because of many restrictions on their operations.

(2 Li%ite0 "6.5e ./ in$e"t%ent& The main objective of co%operative banks is to provide credit

facilities to the poor people i.e., to small and marginal farmers and other weaker sections. They

were originally having limited scope to invest their surplus funds freely.

*2 Dela7 in 0e6i"i.n %aking& The co%operative banks directly or indirectly by various agencies

i.e., 5$+0, +$I. Thus it takes long time to take decision on some important issues. This, in

turn affects the progress of co%operative banks.

-2 La6k ./ t#aining /a6ilitie"& enerally the staff of co%operative banks is urban oriented and

they may not know the problems and conditions of rural areas. Lack of training facility

concerning these areas also affects the growth of co%operative banks.

82 P..# #e6.$e#7 #ate& The recovery performance of the co%operative banks is not up to the

mark. the reason for poor recovery of loans and mounting overdue are9 inadequate supervision

and follow up action to assess the end use of credit by co%operative banks due to inadequate staff

in banks, poor Identification of beneficiaries, inadequate generation of output and income by the

beneficiaries, poor marketing facilities.

92 La6k ./ l.6al 5a#ti6i5ati.n& +ural co%operative banks have not received sufficient local

participation. The cooperative banks have been thrust upon the rural people from above without

involving local people in its operation and management. In this connection, it is suggested that

knowledgeable persons in the rural areas need be associated with the management of co%

operative banks.

+2 La6k ./ 6.:.#0inati.n& There is lack of proper co%ordination between co%operative banks and

other institutional financing agencies like commercial banks and ++$s. lso, there is inadequate

co%ordination between co%operative banks and other developmental agencies operating in rural

areas. This has hampered the progress of co%operative banks.

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;2 P..# 0e$el.5%ent ./ #!#al a#ea"& In spite of several efforts made during the course o

development plans to promote the development of rural areas, it has not taken place in a

significant way. The areas, at present lack economic infra% structures like9 facilities of marketing

storage and distribution of inputs. $esides, social infrastructure like9 schools, medical facilities.

s a result, co%operative banks find it e*tremely difficult to operate in such areas.

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Bank P#./ile

'i"t.#7&

"hri #anyaka 5agari "ahakari $ank Ltd., was founded by a great visionary 0r. =ijay "ambashiv

inchwar on 'Cth &ctober, '()(. The first !hairman was 0r. =ijay "ambashiv inchwar, andfirst vice% chairman was 0r. 6rafulla Tumakampant $haskarwar. These were the people with

profound and and enduring ideals, faith, vision, optimism and entrepreneurial skills. The bank

was registered under -aharashrta "tate !o%&perative "ocieties ct , '(@ on (th

5ovember,'(). =ide registration no. !:0J$5#J'BC and license no. G$0J-:J(()6 &5

'CT: ?uly, '()( and is governed by the $anking +egulation ct '(B(D..!."E sec D!!=E. The

bank also registered against the provision of I"& ('8'B on th ?une, '. The +egistered

&ffice of the bank is situated at 'st Floor, +aghuwanshi !omple*, $ehind !ity :igh "chool,

$a;ar ward, !handrapur % BB B, Tal% K 0istrict !handrapur. Its area of operation is confined

to !handrapur 0istrict K adjoining 0istrict >ardha, 5agpur, adchiroli K $handara.

The $ank has @ branches % -ain $ranch %!handrapur, ".6. !ollege 1*tn !ounter, !handrapur.

!ivil line, !handrapur, -ul, $hadrawati, ondpipri, "itabuldi 5agpur.

"hri #anyaka 5agri "ahakari $ank Ltd. always try to offer innovative customer services and

schemes. Latest technology Gsed to provide uality services to the !ustomerhat will happen In The Future9 It Is 5ot lso >ish

list &f 0esirable, $ut Gnattainable oals. &ur =ision Is To 1volve Into "trong, "ound nd

!ompetitive !ooperative $anking -all, 6roviding Integrated "ervices To Its !ustomers nd

-embers From ll "egments, Leveraging &n dvanced Technology nd Trained :uman

+esources, dopting The $est ccounting nd 1thical 6ractices nd Fulfilling "ocial

+esponsibilities Towards The !ommon 6eople. The !ustomer Is The !enter 6oint &f &ur

$usiness "trategy9 If >e Lose Touch >ith :imJher Then >e Lose 1verything.

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Vi"i.n

A Vi"i.n i" n.t a 5#.


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PRODUCT PROFILE

312 Kan7aka '.!"ing L.an S6@e%e

shelter which you can call your own has been eluding you so farM 5ot anymore. >ith the

#anyaka :ousing Loan "cheme, almost anyone can now fulfill his long cherished dream of

owning a house or a flat of hisJ her choiceat most attractive terms.

Eligibilit7&

ny individual aged ' years or above having regular income.

P!#5."e&

6urchase of land, purchase or construction of houseJ flat.

6urchase of up to A/ years old houseJ flat.

+enovationJ e*tensionJ repairJ furnishing of houseJ flat.

Taking over of e*isting :ousing Loan form other $ankJ Financial Institution.

The loan is now e*tended to those cases also where flats are being constructed by

promotersJ developers where immediate mortgage of the property may not be possible.

!ant!% ./ l.an&

uantum of loan depends on the cost of houseJflat, application


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3(2 Kan7aka Ca# L.an S6@e%e

"hri #anyaka 5agri "ahakari $ank joins :ands with -aruti Gdyog Ltd. For Financing 6urchase

of -aruti !ars

P!#5."e&

6urchase of any -aruti $rand !ar from authori;ed -aruti 0ealer.

Eligibilit7 &

ny individual with gross income of +s.',J% and minimum net income of

+s./,J% per month.

To be eligible the applicant will be required to get minimum score as per structured

scoring -odel of "#"$.

!ant!% ./ L.an8

Ma. +s.@ lack.

Ma#gin& 'N

Se6!#it7&

In case of salaried person8 5il, if employer ensures repayment.

In case of professional K "elf%employed person 8

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To be secured by personal guarantee of ' to persons having adequate worth, otherwise at least

@N of loan amount to be covered by liquid security in the form of Term 0eposits, 5"!s, #=6s,

LI6s D"=E, and +elief $onds etc

Eligibilit7 C#ite#ia

For purchase of new car as well as old car

3our "avingsJ !urrent 0epositJ Term 0eposit Jc holder with the $ank and fulfill the following

criteria %

minimum net income Dtake home salary for salaried personE of +s /,J% per month.

In respect of working couple, net income of the spouse is considered for the purpose of

computing net income and monthly installments, provided the spouse joins as co%

borrower and monthly installment may be reali;ed from the salaries of either of them. In

case of salaried person, the applicant should be in regular service for at least years.

6rofessional and self%employed persons who are at least years in their profession.

!ant!% ./ L.an&

In case of individuals

-a*imum amount of loan is '. lacs in case of new car and +s. @. lacs in case of old

car.

Ma#gin:

5ew !ar8% 'N

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&ld !ar8% AN of the valuation amount in case of old car

P#.6e""ing C@a#ge&./N

3*2 Kan7aka Pe#".nal L.an S6@e%e /.# Sala#ie0 Pe#".n"

0aughter


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3-2 Kan7aka Pe#".nal L.an S6@e%e /.# Pen"i.ne#"

s a senior citi;en of the society, you command a special respect from "hri #anyaka 5agri

"ahakari $ank. The $ank is offering you a loan scheme for assisting you to meet your various

family and personal needs after retirement.

The salient features of the +evised "cheme are as under8

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ma*imum of +s lakhs subject to ' months7 gross pension.

Ma#gin8 5il

P#.6e""ing C@a#ge8 'N

Di"b!#"e%ent ./ L.an&

The loan shall be disbursed through your "avings $ank Jc other than the account in which your

pension is credited every month. If you are not having any other "avings $ank Jc with the

branch, you may open a "avings Jc with the $ranch jointly with another member of your

family, preferably with family pensioner for the purpose of availing of the loan under the

"cheme.

382 Kan7aka '.!"ing L.an /.# Pen"i.ne#"

"hri #anyaka 5agari "ahakari $ank Ltd takes care of your :ousing and related requirements at

post retirement stage. 3ou will also find us your companion in securing "helter in any &ld%ge

:ome. "alient features of the "cheme are given below

Eligibilit7 &

'. ll pensioners of !entral and "tate overnments, !entral and "tate overnmentse are now at your doorstep to support your pursuit for e*cellence. &ur 1ducational Loan

"cheme has been designed to meet your e*penses for higher studies in India and abroad.

If you are an Indian 5ational and secured an admission to any of the following academicJ

professionalJ technical courses through 1ntrance TestJ "election process in a $oardJ InstitutionJ

Gniversity.

C.!#"e" Eligible /.# St!07 in In0ia&

raduation !ourses8 $.., $.!om, $."c., etc.

6ost raduation !ourses8 -aster, !, !F, etc.

!ourses conducted by II-, IIT, II"!, 2L+I, 5IFT, etc.

!ourses offered in India by reputed foreign Gniversities.

1vening !ourses of approved Institutes.

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&ther !ourses leading to 0iplomaJ 0egree, etc. conducted by !ollegesJ Gniversities

approves by G!J ovt.J I!T1J I$-"J I!-", etc.

C.!#"e" Eligible /.# St!07 Ab#.a0&

raduation 8 For job%oriented professionalJ technical courses offered by reputed

Gniversities.

6ost raduation8 -!, -$, -", etc.

!ourses conducted by !I- % London, !6 in G" etc.

!ant!% ./ L.an&

'. For study in India8 -a*. +s. ' lack.

. For study abroad8 -a*. +s. lacks

Ot@e# R!le"&

1*penses covered by the Loan 8

i. Fees payable to !ollegeJ "choolJ :ostel.

ii. 1*aminationJ LibraryJ Laboratory Fee.

iii. 6urchase of $ooksJ 1quipmentsJ InstrumentsJ Gniforms.

iv. !aution 0epositJ $uilding FundJ +efundable 0eposit supported by Institution $illsJ

+eceipts.

v. Travel 1*pensesJ 6assage -oney for studies abroad.

vi. 6urchase of !omputers8 1ssential for completion of the !ourse.

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vii. ny other e*penses required to complete the !ourse like study tours, project work, thesis,

etc.

Re5a7%ent ./ L.an&

The loan is to be repaid in / to C years after commencement of repayment. The

repayment will commence after a moratoriumJ repayment holiday which is !ourse period

plus years or @ months after getting job whichever is earlier.

Life Insurance !overage8To ensure security to student7s and borrower7s life and against their loan liability and

additional loan component for payment of one%time premium for such insurance coverage

may be sanctioned by bank on request from the customer.

3)2 Kan7aka M.#tgage L.an S6@e%e

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!ant!% ./ l.an&

Term Loan % -a*imum +s.'/. Lac K &0 facility % -a* +s./. lac subject to

'. B%times of monthly net income.

. /N of the value of property.

Total monthly deduction including proposed 1-I J Intt on &0 should not e*ceed /N of the gross

monthly income of the borrower

OUTLINE OF PROBLEM

'. To understand the terms and conditions of various loan schemes provided.

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. To study and evaluate the performance of each loan scheme.

A. To study about the respondent and their varying interest.

B. .To makes suggestion based on findings.

RESEARC' MET'ODOLOGY

This refers to the method of data description. 0escriptive research includes surveys and fact

findings enquire of different kinds. The major purpose of descriptive research is description of

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the state of affair as it e*ists at present. In business research we quite often use the term e*port

facto research for descriptive research studies.

The main characteristics of this method is that the researcher has no control over the variable, he

can only report what has happened or what is happening. The method of research utilised in

descriptive research are survey methods of all kinds including comparative and correlation

methods.

DATA COLLECTION TOOLS&

0ata mainly collected from both primary and secondary sources.

1= PRIMARY DATA& 6rimary data are freshly gathered for a specific purpose or for

a specific research project. 6rimary data was collected by way of discussion with

company officials. -ainly with bank manager. It has collected through the interim

schedule, discussion and by interacting with the officials of the organi;ation or the

respondents.

(= SECONDARY DATA& "econdary data that were collected through published

materials like pamphlets, company books and from the official website that is

http8JJwww.kanyakabank.inJhistory

TOOLS AND TEC'NIUES&

Information has to be collected on the basis of the questionnaire distributed to the borrowers

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http://www.kanyakabank.in/historyhttp://www.kanyakabank.in/history


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InternetJ prominent search engines have been used for collecting the 0ata, market watch is also

used to some e*tent for interpretation analysis.

ll data collected are carefully classified, tabulated for the purpose of research and interpreted

on the basis of charts and tables.

DATA ANALYSIS AND INTERPRETATION

Table&1

Table "@.4ing t.tal a0$an6e" /#.% t@e 7ea# (,1( (,18

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Yea# A%.!nt 3 in Lak@"2 Pe#6entage 32

' % 'A ,'/@.'' /.(/

'A % 'B C,)@).'' A.@

'B % '/ A/,A(A.// B'.BA

Total )/,B'C.CC '

ANALYSIS&

From the above table it can be analysed that in the year ' 'A the total no. of advances

was ,'/@.'' Lakh with a /.(/N9 in 'A 'B the total no. of advances was C,)@).''

Lakh A.@N and in the year 'B '/ the amount is A/,A(A.// with B'.BAN.

INTERPRETATION&

From the above pie% chart it can be inferred that in the year 'A 'B showed the

ma*imum advances.

Table ( & Table "@.4ing .!t"tan0ing a%.!nt ./ l.an /.# t@e 7ea#" (,1( : (,18=

3a2'.!"ing /inan6e

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ANALYSIS&

From the above table it is analysed that when we compare the year ' 'A the amount

outstanding was ',B')./C Lakh with A'.)N. In the year 'A 'B the amount was ',B/A.@C

Lakh with A./ N and in the year 'B '/ it was ',/('.B Lakh with A/.CN.

INTERPRETATION&

From the above pie% chart it can be inferred that there is continuous growth every year in the

housing finance segment. There is a noticeable growthin the home loan segment which is very

profitable to the bank for their further financial improvement.

Table * Table "@.4ing .!t"tan0ing a%.!nt ./ l.an /.# t@e 7ea#" (,1( : (,18=

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Yea# A%.!nt 3in Lak@2 Pe#6entage 32

' 'A ',B')./C A'.)

'A 'B ',B/A.@C A./

'B '/ ',/('.B A/.C

Total BB@A.@@ '


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3b2 Ca# l.an"


' 'A C.') A.@

'A 'B ).C @.(@

'B '/ 'B@.)' B(.B

Total (C.@ '

ANALYSIS&

From the above table it is analy;ed that when we compare the year ' 'A the amount

outstanding was C.') Lakh with A.@N . In the year 'A 'B the amount was ). Lakh

which shows @.(@N and in the year 'B '/ the amount was 'B@.)' Lakh with B(.BN.

INTERPRETATION&

From the above graph it can be inferred that in the year 'B '/ there is a substantial

growth in the car loans as against all previous years.

Table *= Table "@.4ing .!t"tan0ing l.an /.# t@e 7ea# (,1( (,18=

362 Pe#".nal l.an

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Yea# A%.!nt3 in Lak@2 Pe#6entage 32

' 'A A)B.B@ ).A'

'A 'B B/.'' A'.A

'B '/ /B).B B.AC

Total 'A/C.)' '

ANALYSIS&

From the above table it is analy;ed that when we compare the year ' 'A the amount was

A)B.B@ Lakh which shows ).A'N. In the year 'A 'B the amount was B/.'' Lakh which

shows A'.AN and in the year 'B '/ the amount was /B).B Lakh which shows the

percentage of B.AC.

INTERPRETATION&

From the above mentioned graph it can be interpreted that there is a substantial growth every

year in the personal loans.

Table 88Table "@.4ing .!t"tan0ing l.an /.# t@e 7ea#" (,1( : (,18=

302 E0!6ati.nal l.an

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' 'A B.(( @.))

'A 'B C@.)B AA.(

'B % '/ AA/.C B.A

Total )A@.( '

ANALYSIS&


outstanding is B.(( Lakh with @.))N. In the year 'A 'B the outstanding amount is

C@.)B Lakh with AA.(N and in the year 'B '/ the outstanding amount is AA/.C Lakh

with B.AN.

INTERPRETATION&

From the above graph it is seen that there is a constant growth in the education loan of "#"$.There is a noticeable growth in the education loan segment which is very profitable to the bank

for their further financial improvement

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Table 9 & Table "@.4ing .!t"tan0ing l.an" t. #etail "e6t.# /.# t@e 7ea# (,1( :

(,18


' % 'A A,B@(.C A.)

'A % 'B A,CC. A./B

'B % '/ B,@.A@ AC.')

Total '',B/C.A '

ANALYSIS&


A,B@(.C Lakh with A.)N. In the year 'A 'B the amount was A,CC. Lakh with

A./BN and in the year 'B '/ the amount was B,@.A@ Lakh with AC.')N .

INTERPRETATION&

From the above graph it can be inferred that there is a moderate growth in the loans of the retail

sector from ' % '/.The ma*imum growth is in the year 'B '/.

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Table + & Table "@.4ing .!t"tan0ing l.an" t. 6.#5.#ate "e6t.# /.# t@e 7ea#

(,1( (,18=


' % 'A 'A,A.( @./

'A % 'B '/,@@'.BB A'.(

'B % '/ ',AB(.B' B.@@

Total /,B.(B '

ANALYSIS&

From the above table it is analysed that when we compare the year ' 'A the amount was

'A,A.( Lakh which shows a percentage of @./. In the year 'A 'B the amount

was'/,@@'.BB in Lakh which shows the percentage of A'.( and in the year 'B '/ the

amount was ',AB(.B' in Lakh which shows the percentage of B.@@.

INTERPRETATION&

From the above pie%chart it is inferred that there is constant growth in the outstanding loans in

corporate sector.

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Table ; & Table "@.4ing .!t"tan0ing l.an" t. .t@e#" 4@i6@ in6l!0e" 5#i.#it7

"e6t.# /.# t@e 7ea# (,1( : (,18=


' 'A @,'A).@B B./A

'A 'B ),C@A. A/.A

'B '/ ','').BC B.BB

Total /,.'B '

ANALYSIS&


@,'A).@B Lakh with B./AN. In the year 'A 'B the amount was ),C@A. Lakh with

A/.AN and in the year 'B '/ the amount was ','').BC Lakh with B.BBN.

INTERPRETATION&

From the above graph it can be inferred that there is a noticeable growth in the outstanding loan

by others which includes priority sector which is highly beneficial to the bank.

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Table ) & Table "@.4ing t.tal .!t"tan0ing l.an" t. b!"ine"" "e6t.# /.# t@e 7ea#

(,1( : (,18=


' % 'A ,@B.B/ @.'@

'A % 'B ),'/'.@) A.//

'B % '/ A/,C).B B'.(

Total )@,/.AC '

ANALYSIS&


outstanding was ,@B.B/ Lakh which shows a percentage of @.'@. In the year 'A 'B the

amount was ),'/'.@) Lakh which shows the percentage of A.// and in the year 'B '/

amount was A/,C).B Lakh which shows the percentage of B'.(.

INTERPRETATION&

From the above graph it is inferred that there is a substantial growth in the outstanding loan in

business sector which concludes that it is highly advantageous to the bank for their further

financial improvement.

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Table 1, & Table "@.4ing t.tal .!t"tan0ing #etail a0$an6e" /.# t@e 7ea# (,1( :

(,1*


' % 'A A,B@(.C A.)

'A % 'B A,CC. A./A

'B % '/ B,@.A@ AC.'(

Total '',B/C.A '

ANALYSIS&

From the above table it is concluded that when we compare the year ' 'A the amount

outstanding was A,B@(.C Lakh with A.)N. In the year 'A 'B the outstanding amount

was A,CC. Lakh with A./AN and in the year 'B '/ the amount is B,@.A@ Lakh

with AC.'(N.

INTERPRETATION&

From the above graph it can be inferred that there i" asequential growth year wise which is

highly beneficial to the "hri #anyaka 5agari "ahakari $ank.

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Table 11& Table "@.4ing te#% l.an" /.# t@e 7ea#" (,1( :(,18


' % 'A 'A,()A.@/ A.)

'A % 'B '(,./@ A./A

'B % '/ /,(('.@B AC.'(

Total /(,'C/.)/ '

ANALYSIS&

From the table it can be analysed that in the year ' 'A the amount is 'A,()A.@/ Lakh with

a percentage of A.). In the year 'A 'B the amount is '(,./@ Lakh with a percentage

of A./A and in the year 'B '/ the amount is /,(('.@B Lakh with a percentage of AC.'(.

INTERPRETATION&

It can be inferred that there is continuous growth in the term loans provided by the bank

wherein the ma*imum growth is seen in the year 'B '/.

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Table 1( & Table "@.4ing e0!6ati.nal !ali/i6ati.n ./ t@e l.an b.##.4e#"

Pa#ti6!la#" N!%be# ./ #e"5.n0ent Pe#6entage 32

6G! ) )

raduate /B /B

6ost% graduate ') ')

Total ' '

ANALYSIS&

From the above mentioned table it can be analy;ed that )N have done 6G!, /BN are graduateand ')N are post%graduate.

INTERPRETATION&

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From the above graph it can be inferred that ma*imum no. of respondents are graduate where as

minimum no. of respondent are post%graduate.

Table 1*& Table "@.4ing b#eak !5 ./ #e"5.n0ent::: age 4i"e=

Age in 7ea#" N.= ./ #e"5.n0ent Pe#6entage 32

A B/ B/

A B ( (

B / ') ')

bove / ) )

Total ' '

ANALYSIS8

From the above table it is seen that in there are B/ respondent in the age group of A, (

respondents fall in the age group of A B, ') respondent in the age group of B / and )

respondent above the age group of /.

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Inte#5#etati.n& From the above graph it can be inferred that the majority group of respondents

belongs to the age group of A followed by the age group of A B. The least no. of

respondents belongs to the age group above /.

Table 1-&Table "@.4ing b#eak !5 ./ #e"5.n0ent::: gen0e# 4i"e=

Gen0e# N.= ./ #e"5.n0ent Pe#6entage 32

-ale )) ))

Female ' '

Total ' '

ANALYSIS&

From the above table it is analysed that )) respondent are males whereas only ' respondents are

females which shows the ma*imum no. of respondent were males.

Inte#5#etati.n8

From the above graph it is inferred that that the ma*imum no. of respondent are males and

female participation is less.

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Table 18 &Table "@.4ing b#eak !5 ./ #e"5.n0ent ::: .66!5ati.n 4i"e=

O66!5ati.n N.= ./ #e"5.n0ent Pe#6entage 32

overnment A/ A/

6rofessional '/ '/

6rivate B B

$usiness @ @

Total ' '

ANALYSIS&

From the above table it can be analysed that A/ of the respondents are government employees, '/

are professional, and B are in private and @ belongs to the business.

Inte#5#etati.n&

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From the above graph it can be inferred that bank major customer on the basis of occupation are

government employees. Table 198 Table "@.4ing b#eak !5 ./ #e"5.n0ent :::

in6.%e 4i"e=

In6.%e 3R"=2 N.= ./ #e"5.n0ent Pe#6entage 32

Less than /,

/, ',, ) )

',, ',/, B) B)

bove ',/, B B

Total ' '

ANALYSIS&

From the above mentioned table it can be concluded that there are respondents income is less

than /, 9 ) respondents falls in the income group of /, ',, 9 B) respondents in

the income group of ',, ',/, and B respondents falls in the income group above

',/,.

Inte#5#etati.n&

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It can be inferred that majority no. of respondent belongs to income group of ',,

',/, and the least is below ',/,.

Table 1+ &Table "@.4ing ".!#6e ./ a4a#ene""

S.!#6e N.= ./ #e"5.n0ent Pe#6entage 32

"#"$ employees B/ B/

-aga;ine A/ A/

Friends and television ' 'A

5ewspaper ) )

Total ' '

ANALYSIS&

From the above table it can be analysed that source of awareness of B/ respondents was through

"#"$ employees, A/ was through maga;ine9 ' was through friends and television and ) was

through newspaper, ' was through friends and television through

INTERPRETATION&

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It can be inferred that majority of the respondent came to know about the bank through "#"$

employees followed by maga;ines, Friends and television and finally the least came to know

through newspaper.

Table 1; &Table "@.4ing EMI 5ai0 b7 t@e b.##.4e#=

A%.!nt N.= ./ #e"5.n0ent Pe#6entage 32

$elow /,

/, ', BA BA

', '/, A A

'/, , C C

Total ' '

ANALYSIS&

From the above table it can be analysed that below /,, respondent paid 1-I in between

/, ', , BA in between ', '/,, A paid 1-I and the least 1-I was paid in

between '/, ,.

INTERPRETATION&

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It can be inferred from the pie% chart that the majority no. of respondent who borrowed 1-I is in

between /, ', and the least 1-I paid by the borrower is in between '/, ,.

Table 1) &Table "@.4ing l.an a%.!nt b.##.4e0 b7 #e"5.n0ent=

A%.!nt 3 R"=2 N.= ./ #e"5.n0ent Pe#6entage 32

$elow /,, A A

/,, ',, B/ B/

',, '/,,

'/,, ,, / /

Total ' '

ANALYSIS&

It can be analy;ed from the above mentioned table that that there were A respondents who

borrowed amount of loan below /,, 9 B/ between /,, ',, 9 between

',, to '/,, and there were only / respondents who borrowed above '/,,.

, ,

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INTERPRETATION&

From the above graph it can be interpreted that the ma*imum no. of amount borrowed by

respondent is in between /,, ',, whereas the least of amount borrowed by

respondent is in between '/,, ,,.

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Table (, Table "@.4ing "ati"/a6t.#7 le$el ./ #e"5.n0ent" 4it@ l.an=

Sati"/a6ti.n

le$el

N.= ./

#e"5.n0ent

Pe#6entage

32

1*tremely satisfied '/ '/

"atisfied /A /A

-oderate / /

Gnsatisfied C C

Total ' '

ANALYSIS&

From the above table an attempt was made to understand whether respondent feels that the

products offered by the bank were e*tremely satisfied, satisfied, moderate or unsatisfied.

INTERPRETATION&

It can be inferred from the pie%chart that that the ma*imum no. of respondent were satisfied

where least no. of respondent were unsatisfied.

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ACTIVITY C'ART

?eek A6ti$it7

'. Introduction to $ank, &bservation

&f Finance process, 0iscussion of prospective topics.

. 0iscussion of "I6, Finali;ation of "I6 topic, "tarted collection of theoretical

background.

A. 6reparation of questionnaires, discussion with $ank employees regarding

questionnaires, checking theoretical background.

B. 0iscussion with employees, checking internet websites of $ank and others for

theoretical background K literature review.

/. !ollection of all secondary data i.e. annual report, company information etc.

@. "tarted typing for final copy of project, prepare graphs charts, 0iscussion with

financial manager official about result of data analysis.

C. Forwarded mails for correction K recommendation to both ends.

Dorgani;ation guide, faculty guideE

). Final graph prepare approval from organi;ation guide, submitted to

organi;ation, changes were made according to faculty guide K submitted

project.

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KEY LEARNING

'. B/N of the loans taking customers are in between the age of A while another (N

of customers are in between the age A B. ')N of the customers belong to the B /

age categories while )N are above the age of /.. ))N of the loan takers are male while only 'N are female.

A. A/N of loan taking customer are working at the government sector, '/N professional,

BN private and @N customers are engaged in his J her own business.

B. It can be observed that majority of customers are under the income group of ',,

',/, which is B)N followed by the income group of +s. /, ',,, at )N.

The group earning less than +s. /, owns N and at last the income group of +s.

',/, and above owns BN./. B/N of respondent are made aware about loan by "hri #anyka $ank employee while

A/N are made aware by maga;ine. 'AN and CN of customer are made aware of bank by

newspapers and friends.@. -ajority of the 1-I was paid by the borrower in between /, ', and least 1-I

was paid by borrowed in between , A,.

C. AN of customer of "#"$ banks are taking loans below /,,, >hile B/N are taking

between /,, ',, , N are taking between ',, '/,, by N

and only /N borrowed in between '/,, ,,.

). /AN of the customers are satisfied with the loan amount while /N are moderately

satisfied and '/N are e*tremely satisfied but CN are unsatisfied.

(. It is also found that there is an impressive continuous growth in vehicle loan, education

loan and personal loans which is remarkably outstanding for the bank.

'. :ome loan segment has a better increasing trend in coming years since it has a high rate

of demand in the current market.

CONTRIBUTION TO T'E ORGAISATION

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'. I helped to bank in various bank activities.

. :elp to customer to understand the various banking products and loan schemes.

A. !ustomer support in various forms i.e. 0ocumentation required for loan, 0ocuments

required for account opening.

B. &rgani;e the campaigns for mass awareness of the customer.

. 6eriodic review with the current bank customer.

A. &rgani;e the customer satisfaction survey.

:uman beings are no more constraint to the basic necessities in their lives. Their

needs have diversified through the ages placing an increase demand on resources. The economic

boom in the country has wide open the new challenges and opportunities to the people. This has

necessitated timely and easy availability of funds to meet the requirements of institutions and

individuals in meeting their goals. Thus to keep up with the pace of this increasing demand, the

banking industry have come forward with the credit portfolio to provide funds on relatively

easier terms and conditions. Today, banks are committed towards providing more and more

number of people with finance with a view to make their lives better.

The ever increasing demands of the customers have forced the banking sectors to

emerge with new retail products bearing new unique features in them. The competition among

the banks cannot be neglected. They have been supplying loans for the purpose of purchase of

vehicles, pursue of higher education, or to meet their other personal requirements.

The banking industry is witnessing a boom at present boosted by the increasing

demand for retail loan products. The demand has arisen as a result of genuine individual needs.

From an overall view point demand for retail loans is ever rising and the same would be reflected

on the demand for funds. :ence the profitability of this particular industry is e*pected to take a

positive track in the future ahead.

SUGGESTIONS

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'. The bank


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i. #ainth ursharan "inghD'((@E,PDynamics of Cooperatives in MaharashtraP9 Indian

!ooperative +eview, =ol. 222=II, 5o.',pp. A)%/

ii. #othari !.+.D'AE,HResearch MethodologyP9 revised second edition9 pages C'%

C@, )B%)/, '%'

iii. :and $ook of $anking by 5. ". Toor

iv. +amman Finance management

b= ?eb Page"&

i. http8JJwww.kanyakabank.inJhistory.htmlQ

ii. http8JJwww.kanyakabank.inJoldRaboutRus.html

iii. http8JJwww.kanyakabank.inJvisionRmission.html

iv. http8JJwww.kanyakabank.inJservices.html

vi. http8JJwww.nabard.orgJciti;en.asp

UESTIONNAIRE

0ear sir J madam

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I am a student of Institute of $usiness -anagement and research, under 6une Gniversity. I need

your kind co%operation regarding the following information, which will be used only for my

academic purpose. It will be considered as highly confidential.

MODEL UESTIONS FOR CUSTOMERS

'. 6ersonal details of customer

5ame8RRRRRRRRRRRRRRRRRRRRRRRRRR

ddress8RRRRRRRRRRRRRRRRRRRRRRRRR

ender '. -ale . Female ge

aE % A

bE A B

cE B /

dE / %@

eE / and above

ualification

aE raduate

bE 6ost graduate

cE &thers

E &ccupation

aE overnment

bE 6rofessional

c E 6rivate

dE $usiness

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AE nnual income

aE $elow +s. /,

bE +s. /, +s. ',,

cE +s. ',, +s. ',/,

dE +s. ',/, and above

BE ccounts in other bank

aE 3es

bE 5o

/E Is this is the first time you borrowing the loanM

aE 3es

bE 5o

@E For what purpose have you borrowed the loanM

aE :ousing finance

bE !ar loan

cE 1ducational loan

dE 6ersonal loan

CE >hat is the combined annual income of your familyM

aE $elow +s. /,

bE +s. /, +s. ',,

cE +s. ',, +s. ',/,

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dE +s. ',/, and above

)E :ow many times did you approach the bank to get the loanM

aE &ne

bE Two

cE Three

dE Four

(E :ow much loan amount borrowed by you from G.$.IM

aE $elow /,,

bE +s. /,, +s. ',,

cE +s. ',, +s. '/,,

dE +s. '/,, +s. ,,

'E >hat is the monthly 1-I paid by youM

aE $elow /,

bE +s./, +s.',

cE +s., +s.A,

dE +s.A, and above

''E :ow many years have you taken the loan forM

aE % A years

bE A @ years

cE @ ' years

dE ' years and above

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'E 0id you face any problems for borrowing loanM

aE 3es

bE 5o

'AE >hat are the sources that make you aware of "#"$ loan schemesM

aE 5ewspaper

bE -aga;ine

cE Friends and television

dE "#"$ or other bank employee

'BE re you satisfied with your decision to take loan from "#"$M

aE 1*tremely satisfied

bE "atisfied

cE -oderate

dE Gnsatisfied

'@E +ate your level of satisfaction in a scale of ' '

%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%

%%%%%%%%%%%%%%%%%

'CE >hat do you think about interest ratesM

aE 1*treme :igh

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bE :igh

cE Low

dE &. k.

')E >hat do you think about "#"$ bank serviceM

aE =ery good

bE ood

cE &.k.

dE $ad

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