e.com A PROJECT REPORT ON ANALYSIS OF THE LOANS AND ADVANCES FOR “JIVAN COMMERCIAL CO-OPERATIVE BANK” -:SUBMITTED TO:- MARWADI EDUCATION FOUNDATION GROUP OF INSTITUTIONS IN PARTIAL FULFILMENT OF REQUIREMENT OF THE AWARD FOR THE DEGREE OF MASTER OF BUSINESS ADMINISTRATION UNDER GUJARAT TECHNOLOGICAL UNIVERSITY UNDER THE GUIDANCE OF FACULTY GUIDE COMPANY GUIDE PROF. ALAKNANDA MADHANI MR. ASHWIN DAVE ASST. PROFESSOR MANAGER
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A PROJECT REPORT
ON
ANALYSIS OF THE LOANS AND ADVANCES
FOR
“JIVAN COMMERCIAL CO-OPERATIVE BANK”
-:SUBMITTED TO:-
MARWADI EDUCATION FOUNDATION GROUP OF
INSTITUTIONS
IN PARTIAL FULFILMENT OF REQUIREMENT OF THE AWARD FOR
THE DEGREE OF
MASTER OF BUSINESS ADMINISTRATION
UNDER
GUJARAT TECHNOLOGICAL UNIVERSITY
UNDER THE GUIDANCE OF
FACULTY GUIDE COMPANY GUIDE
PROF. ALAKNANDA MADHANI MR. ASHWIN DAVE
ASST. PROFESSOR MANAGER
SUBMITTED BY
NIKUNJ MATALIYA
ENROLMENT NO.
138260592029
MBA SEMESTER III
JULY 2014
DECLARATION
I undersigned Mr. NikunjMataliya student of Marwadi Education
Foundation’s Group of Institutions MBA program, 3rd Semester hereby
declare that the report for summer Project Report entitled ANALYSIS OF
THE LOANS & ADVANCES from 10th June 1014, to 15 July 2014. Is my
own work and has been carried out under the guidance of
Prof.Alaknandamadhani of MEFGI.
This work has not been previously submitted to any other
university for examination.
Place : Rajkot Signature
Date : NikunjMataliya
PREFACE
To work with the bank which is in project stage, is too different as
the infrastructure will not available as a result you have to work very hard
to get the work done, and a result you got the exact scenario of the
corporate work.
I consider myself lucky as we got the permission to work Jivan
Commercial Co-operative Bank have very interesting and good learning
experience for me as. I have taken in as a challenge.
This training provides an opportunity and platform to know the
current market situation and the behaviour of environment. Here one can
apply all the theoretical knowledge in to the real world, which helps to be
a successful manager.
For the preparation of this project, I feel deep sense of gratitude to
all the faculty members, staff member of the respective organization and
all the respondents for their cooperation and feedback.
ACKNOWLEDGMENT
We learn in management id “Manage + Men + T (Time Task,
etc.)”. We all agree with this statement & wise to include that it would
have been not possible to complete this without help and support of
many people. We are thankful all of them.
First and foremost we are thankful to Ashwin G. Dave for giving au
this valuable opportunity to have our project at this bank. I think him to
taken been interest in my work, and guide me throughout my training.
For the final preparation I received expert guidance of my project
guide Prof.AlaknandaMadhani, without guidance, encouragement and
enthusiasm. It was difficult to bring this report to its present form.
Last but not least I am indebted to all my well-wishers, who provide
me their time, support, and inspiration needed to prepare this project.
SR.NO PARTICULARS Page NoPART I GENERAL INFORMATION
1 INDUSTRY OVERVIEW 1.1 HISTORY 1.2 GROWTH AND DEVELOPMENT1.3 PERFORMANCE AND OTHER STATISTICAL DATA1.4 MARKET PLAYERS IN THE INDUSTRY
2 COMPANY OVERVIEW2.1 HISTORY2.2 GROWTH AND DEVELOPMENT2.3 PRODUCT OVERVIEW2.4 SWOT ANALYSIS
PART II
RESEARCH WORK
3 INTRODUCTION OF STUDY3.1 BACKGROUND OF THE STUDY3.2 REVIEW OF LITERATURE3.3 RESEARCH PROBLEM3.4 OBJECTIVE OF THE STUDY
4 RESEARCH METHODOLOGY4.1 RESEARCH DESIGN4.2 SAMPLING METHOD4.3 SAMPLING SIZE4.4 SOURCING OF DATA4.5 DATA COLLECTION METHOD
5 ANALYSIS AND INTERPRETATION OF DATA
6 RESULTS AND FINDING7 SUGGESTION AND CONCLUSION8 LIMITATION OF STUDY9 BIBLIOGRAPHY
ANNEXUREINDEX
INDUSTRY OVERVIEW
HISTORY:
Banking in India originated in the first decade of 18th century with
the general bank of India Coming into existence in 1786 this was
followed by bank of Hindustan. Both were followed by bank of
Hindustan.
Both these banks are now defunct. The oldest bank in existence
in India is the state Bank of India being established as “the bank of
Bengal in Calcutta in June 1806.” A couple of decades later, foreign
banks like credit Lynne’s started their Calcutta operations in the 1850 at
that point of time, Calcutta was the most active trading port, mainly due
to the trade of the British empire and due to which banking activity took
roots there and prospered. The first fully Indian owned bank was the
Allah bad bank, which was established in 1865.
By the 1900 the market expanded with the establishment of
banks such as Punjab national banks, in 1895 in Lahore and bank of
India in 1906 in Mumbai both of which were founded under private
ownership. The RBI formally took on the responsibility of regulating the
Indian banking sector from 1935 after India independence in 1947 the
RBI was nationalized and given border powers.
HISTORY OF CO-OPERATIVE BANKING
In 1904 the co-operative movement started in India with view to
provide finance to the agriculturist at a low rate of interest. The co-
operative society has to take the place of the money lenders & provide
cheap loan to the farmers for productive purposes. Even through many
types of co-operative societies have been started particularly for the
artisans & others, the most common from of such societies deal in rural
credits and today co-operative banks have started verities of services of
services with different technologies.
Co-operative banks in are registered under the co-operative
societies Act. The co-operative bank is also regulated by the RBI. They
are governed by the banking regulations Act 1949 and banking laws.
CO-OPERATIVE BANKS
Corporative banks, another component of the India banking
organization system originated in India with the enactment of the co-
operative credit. A new act of the year 1904 which provided for
increasing demand of co-operative credit. A new Act passed in 1912
which provided for the establishment of union of primary credit societies.
The chief function of these banks
o Attracting deposits from non agricultures
o Using access funds of some societies temporarily to make
up.
TYPES OF CO-OPERATIVE BANKS
They are mainly 3 types of co-operative banks in India.
(1)State co-operative banks
(2)Central co-operative banks
(3)Urban co-operative banks
STATE CO-OPERATIVE BANK
These banks are also known as apex bank & are registered under
co-operation society’s act 1912. In fact these banks are established to
function as a leading cooperative financial institution of the state offer
co-operative societies should grow. The apex banks as they are called to
render financial help as & when the co-operative Societies are in need of
their help.
CENTRAL CO-OPERATIVE BANK
A direct-level of central co-operative banks is functioning as a
commercial bank &that tool as an independent unit. They are there in
order to strengthen the co-operative movement in the country.
URBAN CO-OPERATIVE BANK
Urban co-operative banks organized & established in towns on
the pattern of joint-stock bank but are established societies act 1912. For
funds, these banks depend on their own Sources. However central co-
operative banks are helping them in financial variable. They are in tune
with the government policies & program.
GROWTH AND DEVELOPMENT:
Banks are the financial backbone of any country’s economy.
Without a sound banking system a country cannot have a healthy
economy. A bank is a financial institution which deals with money and
credit. It accepts deposits from individuals, firms and companies at a
lower rate of interest and gives it at a higher rate of interest to those who
need them. The difference between the terms at which it borrows and
which it lends forms the source of profit, thus bank being a profit earning
institute. For the past three decades India’s banking system has several
outstanding achievements to its credit. The most striking is its extensive
reach to customers. It is no longer confined to only metropolitans or
cosmopolitans in India. In fact the Indian banking system has reached
even to the remote corners of the country. This is one of the main
reasons for the India’s growth process. The first bank in India though
conservative, was established in 1786. Form 1786 till today, the journey
of Indian banking system can be segregated into three distinct phase.
They are: PHASE 1:Early phase from 1786 to 1969 of Indian
banks. PHASE 2: Nationalization of Indian Banks and up to 1991 prior to
Indian banking sector reforms. PHASE 3: New phase of Indian banking
system with the advent of Indian banking and financial reforms after
1991.
The unleashing of products and services through the net has
galvanized players at all levels of the banking and financial institutions
market grid to look new at their existing portfolio offering.
Banking in India is highly fragmented with 30 banking units
contributing to almost 50% of the deposits and 60% of the advances.
The nationalized banks continue to dominate the Indian banking area.
Industry estimate indicate that out of 274 commercial banks operating in
India, 223 banks are in public sector and 51 are in private sector. The
private sector bank grid also includes 24 foreign banks that have started
their operations in India.
PERFORMANCE AND OTHER STATISTICAL DATA
Bank make available loan performance and other data that shed
light on loan performance at local levels. Loan performance is critical to
understanding the level of foreclosure risk in a community. Be aware
that the majority of the sources on this list charge a fee for access to
their data. Many nonprofits seek out partnerships with local Universities
and Think Tanks that may already have acquired the service for access
to the data.
MARKET PLAYERS IN THE INDUSTRY
Competition
State Bank of India - State Bank of India, a public sector bank, is
the largest bank in India. Besides personal and corporate banking,
SBI is also involved in NRI (Non Resident Indian) services through
its network in India and overseas. Its 11,000 branches and 5,600
automatic teller machines give it a reach throughout the length and
breadth of the country; its work force of 200,000 dwarfs all other
banks in India.
ICICI Bank – ICICI Bank is India's largest private sector bank and
second largest overall in terms of assets. Together with its
subsidiaries, ICICI Bank offers a complete spectrum of financial
services and products ranging from commercial banking to
investment banking, mutual fund to insurance. The bank,
headquartered in Mumbai, has a network of about 1,400 branches
and 4,530 ATMs in India and a presence in 18 countries. ICICI
Bank is also the largest issuer of credit cards in India.
Punjab National bank - Punjab National Bank (PNB) is the
second largest government-owned commercial bank in India with
about 4,500 branches across 764 cities. This financial institution
offers services in personal and corporate banking, including
industrial, agricultural, and export finance, as well as international
banking. It competes with Indian Bank mostly in retail lending and