Sandesh

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A STUDY ON OVERALL FINANCIAL PERFOREMACE OFGANGOLI TOWN SOUHARDA CO-OPERATIVE LTD.Company profile Founder- H. Laxminarayan kamath established on 22.11.1920First name-GANGOLI TOWN CO-OPERATIVE BANKIn 1998-GANGOLI TOWN SOUHARDA CO-OPERATIVE LTD.In 2000 start business in own buildingIn 2001 start computerized transaction2ObjectivesTo gain the knowledge of functions of co-operativeTo study the financial aspects of co-operativeSources of funds and applicationTo know the financial position of co-operativeTo study the work style and variety of transaction in co-operative

Limitations Unable to collect all data from bankSome data are not available due to business restrictionStudy limited to financial analysisTime is limitedRESEARCH METHODOLOGYIt contains 2 parts they are:Primary dataSecondary dataPRIMARY DATAInformation about banks history , different service and other details about the bankObjectives of the bank

SECONDARY DATABy laws of co-operative banks Co-operative dairies of the banksAnnual reports of the banksBusiness web siteText book

Sl.noperiodInterest rate115 to 29 days6%230 to 179 days 7%3180 to 364 days8%4365 to 729 days9%53 years or more10%(For senior citizen 0.5% more in each class)INTEREST RATECREDIT DEPOSIT RATIOYEARDEPOSITLOANRATIO(%)2009-2010770884945945832777.132010-201111092610910113505891.172011-201215376221814335575793.232012-201319457503417539919290.142013-201421569121017529650281.27Interest earned and givenyearInterest earnedInterest given Gross margin2009-2010757420872819012923072010-201110120600861862215019782011-2012159968551480024911966062012-201321813539208441429693972013-201429373649227300646643585RETUEN ON ASSESTS RATIOYEARPROFITASESTSRATIO(%)2009-201022295552115923105.372010-20112715125396031868.562011-20123715464407249191.232012-201348391873728619129.782013-201448813553650105133.73TOTAL CASH DEPOSITE RATIOYEARCASHDEPOSITRATIO(%)2009-201085000770884940.112010-20111224001109261090.112011-20121035001537622180.072012-20134790001945750340.252013-20147670952156912100.36NET PROFIT TO DEPOSIT RATIOYEARNET PROFITDEPOSITRATIO(%)2009-20102229555770884942.892010-201127151251109261092.452011-201237154641537622182.422012-201348391871945750342.492013-201448813552156912102.26Share capitalyearShare capital2009-201059252702010-201166051602011-201293660002012-2013100358002013-201410553990FindingsModern technology are used to its operationDeposit and loans are in cress yearlySafe locker facilityEmployees are energetic and efficientProper maintenance of its a/cEmployees are local peopleE-stamping facilityIn the total loan 14corore is from gold loan22SuggestionsATM facilityMobile bankingOpen branchesReward the efficient employeeTraining and development programs to employeeProvide zero balance a/c to studentEducate people about services provide by co-operativeConclusion

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