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7/27/2019 Loans Offered by Nagrik Sahkari Bank
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Loans offered by nagrik sahkari bank
Guided by :
Ms.aupama goswami
Prepared by:
Nimavat mayuriJagruti solanki
Kkpims amreli
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banking
Bank A financial institution that is licensed to deal with money and its substitutes by accepting timeand demand deposits, making loans. The bank generates profits from the difference in the interestrates charged and paid.
The development of banking is an inevitable precondition for the healthy and rapid development of thenational economic structure.
Service offered by bank
Checking/Current account Savings accounts Internet/Mobile Banking ATM Cards Check Books
Deposit Accounts Loans Credit Cards etc. Bill Payment Shopping Ticket Booking Prepaid Mobile Services
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Establishment of banking in india
The Businessmen called Shroffs, Seths, Sahuk ars, Mahajans, Chettis etc. had been carrying on the business of banking since ancient times.
The origin of western type commercial Banking in India dates back to the 18th century
The story of banking starts from Bank of Hindusthan established in 1770 and it was first bank atCalcutta under European management
banks were set up under charters from the British East India Company- Bank of Calcutta, Bank of Bombay and the Bank of Madras. These worked as quasi central banks in India for many years
So this bank is called India's First Truly Swadeshi bank.
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Banking system inIndia
Rererve bank of india
Commercial bank Scedule bank
Cooperative bank
Foreign bank
Rural bank
Private banks
Publicsector bank
Urbanco
operativ
e banks
State cooperative
banks
others
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Current scenario
Private sector Banks have pioneered internet banking, phone banking, anywhere banking, mobile banking, debit cards, Automatic Teller Machines (ATMs) andcombined various other services and integrated them into the mainstream banking arena
In order to sustain the business growth amid highly competitive market andslowing Indian economy, banks are likely to expand in the overseas market.
They will try to tap emerging opportunities by expanding into newer markets suchas Africa, former Soviet region and other South East Asian countries, in which Indiahas maintained good trade relations.
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The state government has declared that the annual rate of intereston general provident fund and other similar accounts will be 8% in
the financial year 2010-11.
Government of India had formulated a scheme for extendingfinancial assistance at concessional rate of interest of 4% toselected low income groups
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Introduction of co operative bank
India finance urban areas under:
Self-employed. Industries. Small scale unit.
Home finance. Consumer finance. Personal finance.
India finance urban areas under: Self-employed. Industries. Small scale unit. Home finance. Consumer finance.
Personal finance.
“ A Co-operative is an independent association of a persons united voluntarily to
meet their common economic, social and cultural needs and aspiration through
a jointly owned and democratically controlled enter price.”
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Eye view of ansb
Name of the unit : Amreli Nagrik Sahakari Bank Ltd.
Establishments Year : 1964.
Form of organization : Co-operative one.
Registration No. : 8905.
Bank AddRress : Keriya Road“Nagrik Bhavan” Amreli.
Working Hours : Monday to Friday. = 8a.m. to 4:30 p.m.
Saturday. = 8 a.m. to 3 p.m.
Accounting Year : April to march.
Audit Class : One.
Competitors : Amreli jilla madhayastha sahakari bank ltd.
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Introduction of ansb
Amreli Nagrik Sahakari Bank has received an „in-principle‟ approval from the ReserveBank of India (RBI) to set up a bank in the cooperative sector, in 1964 during the periodof nationalization of the Indian banking sector in India.ANSB ltd.was incorporated in july , 1964 in the name of „ Amreli Nagrik Sahkari Bank Limited‟, with registered office in Amreli, india
ANSB ltd. Conducts retail banking services. The objectives of the retail banking businesssegment is to provide a full range of financial products and services. Its operationthrough three core business segment, which include; deposits, Advances other services.
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Mission
The mission of ANSB Ltd. Is to provide the best customer services and productinnovation, with continuous up degree with pace of time and technology. Efficiency andeffectiveness built on ethical practices.
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goals
Develop close relationship with individual.
Maintain its position as the premier housing financeinstitution in the amreli.
Transform ideas into practical and creative solutions.
Grow through diversification by leveraging off theexisting client base.
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objectives
Build Sound And Close Relationship With The Individual
To Achieve A Healthy Growth In Profitability
Steady With The Bank‟s Risk Desire.
Ensuring The Highest Level Of Ethical Standards
Professional Honesty
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Various departments
Finance department
Operation department
Marketing department
Human resource departments
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Operation mgt
The product / service offering is amont the most crucial elements inmarketing of banking services
SERVICE GIVEN TO THE CUSTOMER:- clearing service Current account Saving account Fix deposit account Clearing service Insurance service
Mobile banking service Draft facility at all over India Locker facility
loan servic
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Tqm manage by ansb
customer focus leadership involvement of people
process approach system approach to management continual improvement
factual approach to decision making mutually beneficial supplier relationship
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Human resorce mgt
Hours of work:-
Normally 12 hours, but subject tocompletion target
Working in shift:-
Normally there are four shifts into.
1st shift is 8:00 A.M. to 3:00 P.M.
2nd shift is 10:00 A.M to 5:00 P.M.
3rd shift is 11:00 A.M. to 6:00 P.M.
4th shift is 1:00 P.M. to 8:00 P.M.
Weekly off:- Saturday: Half Day Sunday: Off
Pay & salary:-
Provident fund, Loan, savings are
deducted from salary
Scheme:-
Provident fund
Pension Life insurance of
employees
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Welfare activity
organized library in which newspaper, magazine and books relating to Banking.
Leave
Life insurance is given to the employees at Rs. 50000
include retirement benefits, gratuity, provident fund, and pension plan, Transfer Townshipetc.
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Marketing managment
Ansb offer different types of loans & deposit shcems
SAVING ACCOUNT
MICR (magnatic ink character reader) check book facility.
Sms facility.
Check book facility possible when a/c balance rs.1000.
A/c holder„s id proof & living proof & other person‟s .
Interest rate 3. 5%.
CURRENT ACCOUNT
Current account is primary mint for businessmen, firms, companies, public enterprise,etc. that have numerous daily banking transactions
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FIXED DEPOSITS
Duration interest rate(%)
30-45 days 5 % 46-89 days 6 %
90-179 days 7%
180days – 1 year 8 %
1-3 year 8.5 %
More than 3 year 9.50 %
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RECURRING DEPOSITS
The recurring deposit in bank is mean for someone who want to invest a specific some of money on a monthly basEasy process to open an account.
Quick and timely service.
Maturity deposit at attractive interest rates.
Maturity Convenient period.
is for a fixed rate of return
Will be open for at least 12 months or more.
At least Rs. 50 need for open account
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Swot analysis
S = STRENGTH
The Bank is having very good reputation among thegeneral public.
As the district is mainly agriculture based
The staff and the management of the bank areresiding in the same district
As this is a co-operative bank people feel this bank astheir own bank.
Customer high relationship
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swot
W = WEAKNESS
Lack of adequate marketing techniques.
Dependency on government
Less modern operating system Lack of quick service
Lack of customer integrity
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O = OPPORTUNITIES
As The Bank Has A Very Good Customer Base, It Can ExpandTheir Business Without Much Investment.
This Bank Can Open Branch Or Open Extension Counters AtThese Potential Areas.
As The Customers Are The Real Beneficiaries, The Bank CanEducate And Attract The General Public To The Bank.
Micro Finance Loans, Group Loans, Etc. Are Much AttractedBy The Poor And Middle Income People And Bank Can MoreIn This Field.
Mechanization And Modernization Can Lessen The Cost AndTheir By It Can Reduce The Overall Cost Of The Organization.
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T = THREATS
. Emergence of other banks with modern facilities is the major
challenge faced by the bank. The cut throat competition in the banking scenario is another major
factor which pulls the bank into back door. Government and political interference are often against the banking
policy and it makes loss. Staff posting is not on the basis of work volume, but on staff
strength in the past. This leads to overstaffing.
L
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Loans
Loans means the amount given to the borrower agaist sequrity & facitly charge as interest
rate duducted from the borrower a/c
Types of loans
Secured loan
Unsecured loan
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Loans offers by ansb
Securities loans (for working)
Securities on loans
Hypothetic loan
Personal loan FD against loan & industrial loan
Machinery loan
Medical equipments loan
Industrial loans
Gold loan Property against loan
others
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In detail
Securities loan (for working personal)
Person have to present salary receipts & document
For satisfy middle class family „s money requirement
Securities on loans
Loan against government securities
Loans against cash credit
Cheque against loans
Hypothetical loan Offer to share holder for purpose of business establishment
Person have to represent 2 years balance sheet data for it
Rebate 1%
Loan a/c renewable every year
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Personal loan
Offer to any personal facilitate by their conditions
Considering paying capacity of credit
FD against loan 85% loan amount given of total FD
Loans against kishan vikas patra
2% rate charged more than fd rate
Machinery loan
Any type of machinery loans Offered on the basis of balance sheet credit
amount
Machinery or property against machinery at present value
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Medical Equipment Loans
This type of loans offers to the medial practitioner
For the purpose of new equipment purchases
Modern equipments facility
Industrial Loan
Offers to factory or industry to establishment purpose
Credit data have to represent
Inventory against loan Any machinery or government or receivable bills against loans provided
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GOLDLOAN
.
10 gram gold against 9500rs loans
For middle class family short term money facility without selling gold ornaments
LOAN AGAINT PROPERTY
ANBS Ltd. Provides you loan against property (LAP). You can now take a loan agent your residential or commercial property
Other loans
as per the security balances
bank facility to recover credit
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description
loans Securities loans (working personal)
Securities loans
Hypothetical loans
Property against loan
Gold loan Personal loan
Others
loans Int rate Maxi amt Duration limit
Securities loans (w
orking personal) 16% 50000 36 month
Securities loans 16% 20000 36 month
Hypothetical loans 15 to 16% 17 lakh Renew every year
Property against
loan
15% - 10 years
Gold loan 13% - 2 years
Personal loan 15.5% - -
Others 15% -
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