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HOOGLY DISTRICT CENTRAL CO-OPERATIVE BANK
A Project Report on
CREDIT APPRAISAL &
RISK ANALYSIS
Submitted by Farida
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C%a&da&&a"arI&'titute o#Ma&a"eme&t a&d
UNIVERSITYofBURDWAN
THE UNIVERSITY OF B*R+,AN. RAJBATI, BAR+HAMAN
2015
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>=
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CHANDANNAGAR INSTITUTE OF MANAGEMENT
& TECHNOLOGY Formr! #$o%$ ' C($)$$r Com+,-T( A)m
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Serial Particulars Page
No. No.
1 Introductionlli: 2 History of Bank 5
Bank
< Public
< 7riGate
4
: :-: L The Co-operative Bank !
Mai& Feature' !$ B
yEe' u&) o&' o o$oEera Gea& 6
7roblem' o# Co$oEeratiGe Ba&k9
i ! Introduction of Hooghly District Central CooperativeBank
Company Profile 11
ggj;..:-The Chief Functions of Hooghly District Central 12Co-operative Bank
:O Basic Principle 12....................... 2
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ACKNOWLEDGEMENT
I would like to convey my gratitude in this phase to those
responsible persons who have render endless effort for the
completion of this project report, which is spontaneous overflowpowerful feeling. A lot of individuals have rendered their helping
hand to me in completing this study. I take this opportunity to thank
all of them.
I am grateful to Mr. Purnendu Tarafder, project guide as well
as our faculty member of department of Business Administration,
Chandannagar institute of Management and Technology, Chinsurah
because without his help, guidance and advice this project would not
have been completed in the current format.
^
I am thankful Mr. NILANJGN SINHA (C E O) and Mr.
Subhranti Sen (Deputy Manager) of Hooghly District Central Co-
operative Bank Ltd. for providing right the project and heart full
cooperation for the project.**'““"*“ I -
They had specially contributed their precious time despite of
his busy schedule to guide in all respect of his time. I am alsograteful to my friends who providing me relevant information
throughout the project.
Place: C.I.M.T, Hooghly
Date:
Farida Akter
T!le & &"te"ts
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P Vission Mission
10Mission of Hooghly District Central Co-operative Bank
1Lmmm
i 1 Role of Hooghly District Central Co-operative Bank
I& Rural Area 1 I& *rba& Area
11 1
$12
Types of Loans and Advances given by Hooghfy District
Central Co-operative Bank;
1;13
Credit Appraisal ■11
1L TactorsJ|f Credit Appraisal1! Mechanism Components 6 1m
4)o&omi) Earameter' 9 Q 5•
Ba&ki&" 7arameter' 22
5 Credit Appraisal Process ......23
!
117
Risk Analysis
18Objective of Study 1111 HU
1P Case Study26
20 Calculation of EMI Factors 2P
21 Calculation of Repayment Factors SO
22 Repayment Capacity SO
Cost of the Project SO2L
om
Analysis of Data
• Outstanding position of the Bank
• Financial Indicator• Statement of Classification of Asset
• Position of Net NPA
32
41..
32
S3
342!
iifillll:
pig
Charts and graphs
• Deposit of Hooghly District Central Cooperative
Bank• Loans and advances of HD
. -
• Profit Loss Graph
• Credit deposit Ratio
• NPA of HD
3!3
37
38
2 Findings bySWOTanalysis2; Recommendation
1
28 Learning 41 JO Conclusion 42
30 Bibliography _ «
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Banking in the modern sense of the word can be traced toUUU
medieval and early Renaissance Italy, to the rich cities in the northlike Florence, Venice and Genoa.
The Bardi and Peruzzi families dominated banking in 14thV
century Florence, establishing branches in many other parts of
Europe. Perhaps the most famous Italian bank was the Medici bank,
set up by Giovanni Medici in 1397.
The earliest known state deposit bank, Banco di San GiorgioUUU
(Bank of St. George), was founded in 1407 at Genoa, Italy.
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pANKThe word of bank is derived from the Italian banca, which is
derived from German and mean bench.
The term bankrupt and broke is similarly derived from bancaUUU
rotta.
Which refers to an out of business bank, having its bench
physically broken.
*1+ Money lenders in Northern Italy originally did business in open
areas or big open rooms with each lender working from his own bench
or table.
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PUBLIC SECTOR BANKS
y All government owned banks fall in this variety.
y Besides the Reserve Bank of India, the State Bank of India and
its associate banks and about 20 nationalized banks, all comprises
of the public sector banks.
y Many of the regional rural banks that are funded by the
government banks can also be clubbed in this genre.
Z'A
/'A
y A new wave in the banking industry came about with the private
sector banks in India.
'y With policies on liberalization being generously taken up, these
private banks were established in the country that also contributed
heavily towards the growth of the economy and also offering
numerous services to its customers.
y Some of the most popular banks in this genre are: Axis Bank, HDFC
Bank, ICICI Bank, Kotak Mahindra Bank and SBI Commercial and
International Bank.
y The Foreign Banks in India like HSBC, Citibank, and Standard
Chartered bank etc can also be clubbed here.
Page 4
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v Societies Act, 1965. ACo-operativeBank is a financial entity which
belongs to its members,who are at the same time the owners
and the customers of their bank.
>/
Registered under the Co-operative Societies Act
They are governed by the Banking Regulations Act 1949
and Banking Laws (Co-operative
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MAIN FEATURES
As per B.R. Act 1949 co-operative bank cannot undertake
trading activities.
A co-operative bank is prohibited from holding any immovable
property
>/ Except for own use
Co-operative bank cannot carry on business of banking in
india unless
Minimum paid up share capital and reserves is less than
rupees one lakh.
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r\Types & Function of Co-operative Banks,
India
The co-operative banks are small-sized units which operate both in
urban and non-urban centers. They finance small borrowers in industrialand trade sectors besides professional and salary classes. Regulated by the
Reserve Bank of India, they are governed by the Banking Regulations Act
1949 and banking laws (co-operative societies) act, 1965. The co-operative
banking structure in India is divided into following 5 categories:
/~S
Primary Co-operative Credit Society
The primary co-operative credit society is an association of borrowers
and non-borrowers residing in a particular locality. The funds of the society
are derived from the share capital and deposits of members and loans from
central co-operative banks. The borrowing powers of the members as well as
of the society are fixed. The loans are given to members for the purchase of
cattle, fodder, fertilizers, pesticides, etc.
/~\
Central Co-operative Banks
These 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
co-operative banks and joint stocks. These banks provide finance to member
societies within the limits of the borrowing capacity of societies. They also
conduct all the business of a joint stock bank.
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State Co-operative Banks
The state co-operative bank is a federation of central cooperative
bank and acts as a watchdog of the co-operative banking structure in the
state. Its funds are obtained from share capital, deposits, loans and
overdrafts from the Reserve Bank of India. The state co-operative banks
lend money to central co-operative banks and primary societies and not
directly to the farmers.
Land Development Banks
The Land development banks are organized in 3 tiers namely; state,
central, and primary level and they meet the long term credit
requirements of the farmers for developmental purposes. The state land
development banks oversee, the primary land development banks situated
in the districts and tehsil areas in the state. They are governed both by the
state government and Reserve Bank of India. Recently, the supervision of
land development banks has been assumed by National Bank for
Agriculture and Rural development (NABARD). The sources of funds for
these banks are the debentures subscribed by both central and state
government. These banks do not accept deposits from the general public.
Urban Co-operative Banks
The term Urban Co-operative Banks (UCBs), though not formally
defined, refers to primary co-operative banks located in urban and semi-
urban areas. These banks, till 1996, were allowed to lend money only for
non-agricultural purposes. This distinction does not hold today. These
banks were traditionally centered on communities, localities, work place
groups. They essentially lend to small borrowers and businesses. Today,
their scope of operations has widened considerably.
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I' G
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rs.
The origins of the urban co-operative banking movement in India
can be traced to the close of nineteenth century. Inspired by the success of
the experiments related to the co-operative movement in Britain and the
co-operative credit movement in Germany, such societies were set up in
India. Co-operative societies are based on the principles of cooperation,
mutual help, democratic decision making, and open membership. Co-
operatives represented a new and alternative approach to organization as
against proprietary firms, partnership firms, and joint stock companies
which represent the dominant form of commercial organization. They
mainly rely upon deposits from members and non-members and in case of
need, they get finance from either the district central co-operative bank to
which they are affiliated or from the apex co-operative bank if they work in
big cities where the apex bank has its Head Office. They provide credit to
small scale industrialists, salaried employees, and other urban and semi-
urban residents.
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/
Problems ©f Co-operative B
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12
However, concerns regarding the professionalism of urban
cooperative banks gave rise to the view that they should be better
regulated. Large co-operative banks with paid-up share capital and
reserves ofRs.l lakh were brought under the purview of the Banking
Regulation Act 1949 with effect from 1st March, 1966 and within the ambit
of the Reserve Bank’s supervision. This marked the beginning of an era of
duality of control over these banks. Banking related functions (viz.
licensing, area of operations, interest rates etc.) were to be governed by RBI
and registration, management, audit and liquidation, etc. governed by
State Governments as per the provisions of respective State Acts. In 1968,
UCB’s were extended the benefits of deposit insurance.
Towards the late 1960s there was debate regarding thepromotion of the small scale industries. UCB’s came to be seen as
important players in this context. The working group on industrial
financing through Co-operative Banks, (1968 known as Damry
Group) attempted to broaden the scope of activities of urban co-
operative banks by recommending these banks should finance the
small and cottage industries. This was reiterated by the Banking
Commission in 1969.
The Madhavdas Committee (1979) evaluated the role played by
urban co-operative banks in greater details and drew a roadmap for their
future role recommending support from RBI and Government in the
establishment of such banks in backward areas and prescribing viability
standards.
------------------------------------------------------------- Page 9 ------------------------------------------------------------------
The Hate Working Group (1981) desired better utilization of bank’s
surplus funds and that the percentage of the Cash Reserve Ratio (CRR) &
the Statutory Liquidity Ratio (SLR) of these banks should be brought at
par with commercial banks, in a phased manner. While the Marathe
Committee (1992) redefined the viability norms and ushered in the era of
liberalization, the Madhava Rao Committee (1999) focused on
consolidation, control of sickness, better professional standards in urban
co-operative banks and sought to align the urban banking movement with
commercial banks.
A feature of the urban banking movement has been its
heterogeneous character and its uneven geographical spread with most
banks concentrated in the states of Gujarat, Karnataka, Maharashtra, and
Tamil Nadu. While most banks are unit banks without any branch
network, some of the large banks have established their presence in many
states when at their behest multistate banking was allowed in 1985. Some
of these banks are also Authorized Dealers in Foreign Exchange.
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COMPANY PROFILE
TYPE: public
INDUSTRY: Financial Co-operative Bank
FOUNDED: 1966
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Hooghly District Central Co-operative Bank Ltd. Was registered on
29/04/1966 with registration no. 32 (HG) under the W.B Co-operative
society act and W.B Co-operative society rules. Latter on 28/08/1966 the
bank got the license from the RBI. Its area of operation is in the area of
Hooghly District. It has 19 branches through of the Hooghly district
covering all the blocks and municipali ties. It has 143 staff covering 19
branches and Head Office. The H.O of the bank situated at Netaji Subhash
Road, Chinsurah Hooghly. The bank is run by an elected board directors.
In the board of directors of the bank they are representation of government
of W.B.
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Y 12
_________________________________________ Page11
rs
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3 THE HIEF FUNTIONS OFHOO4HLY 5ISTRIT
ENTRAL O/O+ERATIVEBAN6S ARE7 To attract deposit from non-agriculturist,UUU
> To use excess funds of some societies temporarily to make up forU
shortage in another.
THE BASIC PRINCIPLES ON WHICH A CO-
OPERATIVE BANK WORKS ARE
v A co-operative character of activities and trait of mutual aid ̂
Catering for collective organizations and their members. . ̂
Restriction on the number of individual votes.
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Asaresult, during2007-08,the Primary Cooperative
Agriculture and Rural Development Banks have again
started lending for the Non-Farm Sector including Jewel
Loans.
* At high rates on deposits and low rates on lending.
̂Limitation of dividends out of profits and bonus to
depositors and borrowers or grants to cultural or co-
operative endeavor.
These banks are constituted of voluntary association, self- helpand mutual aid, one share Aiming one vote and
nondiscrimination and equality of members.
T( o-o+r0 $#' r (
or$00o$' o7 $) 7or ( +o+!.
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(ISSION OF THEHOO4HLY 5IST-
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> To retain our banks position as the premier agriculturefinancial services in Hooghly District.
To commit responsive service to the small and managerial
farmers in our role as a development banking.
To help poor SI-lG & JLG members in rural and urban areas
with micro credit and thereby to lift their families out poverty.
To become a sustainable financial institution for the common
masses including the valuable groups of district.
To deliver need based transparent financial services
constantly in a cost effective manner and at an affordable cost.
To play leading role in expanding and diversifying financial
services with responsive services to all types of people in district
on development banking covering priority and non priority
sector.
To act as catalyst for change in attitude an orientation of
banking staff with core insti tutional values.
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Farming
s Cattle
rs ✓ Milk
✓
Hatchery/ ~\■ ✓ Personal finance
The Co-operative banks in urban areasOi finance in activities likeio
✓
Self-employment
/~s✓ Industries
/-a
✓Small scale units
h/ ✓ Home finance
/~s ✓Consumer finance
O/O+ERATIVE BAN6
Co-operative Banks are much more important in India than
anywhere else in the world. The distinctive character of this bank is
service at a lower cost and service without exploitation. It has gained its
importance by the role assigned to them, the expectations they are
supposed to fulfill, their number, and the number of offices they operate.
Co-operative banks role in rural financing continues to be
important day by day, 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 co-operative banks. In rural areas, as
far as the agricultural and related activities are concerned, the supply
of credit was inadequate, and money lenders would exploit the poor
people in rural areas providing them loans at higher rates.
Page
Co-operative banks in rural areas mainly
finance agricultural based activities like
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/A
/
Types of loan & advances Given byOOGL! 5ISTRIT
ENTRAL O
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" Personal Loan " Gold Loan
" Rent Securitization Loan " Mortgage Loan
" Hosing Loan " Educatin Loan " Vehicle
Loan " Group Loan " Project Loan
" Loan Against NSC/RBI Bonds/LIC/KVP)
"#ocess of lendin$ in Co%opanks e$ins
'i() *e+be#s)ip,
In co-op banks the borrowers must be the members
(shareholders) of the bank
There are 2 types of members
Page17
THE HOO4HLY 5ISTRITENTRAL
OO+ERATIVE BAN6LT5- 5ONE--------------------To play as an important Co-operative Financial Institution for all
round development of Hooghly District with National perspectiv by
exacting standards of efficiency and co-operative core values, creating
a challenging knowledge and information sharing environment
through financial products and transparent need based financial
services in a cost effecting including poor SHG &JLC members in rural
Co-operation for Mankind and our Bank for Cooperation
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MPBF Maximum Permissible bank finance calculation is done on the
basis of loan amount.
Ratio
analysisTo check the financial position and repayment capacity of the
borrower.
Financial
statements
To find out the current and projected value of borrower income.
IRR Internal Rate of Return is calculated of the borrower.
DSCRTo check the ability of the project to generate sufficient cash flows
to repay the debt taken to finance the project.
Parameter Norms.............Z.......| Checkpoints[
9h!t %s cre#%t !::r!%s!l;Credit Appraisal is the process by which a lender appraises the
technical feasibility, economic viability and bankability including
creditworthiness of the prospective borrower.
r/2 Page19
FATORS OF RE5ITr“\
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Page20
(ech!"%sm &m:&"e"ts & re#%t
A::r!%s!l +r&cess Economic Parameters
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Bai ... i ers
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4
12 months bank To check the
Hi.. statements need to be av erage amount furnished
client is maintaining
in the account is.. . :
sufficient to pay theinstall men t amount
or not.
Business Two year IT returns To enquire primary
continuity proof made compulsory source of income.
’redit interview For the big loan amount To check the general credit interview is attitude of customer
. .. necessary.along with efforts
are put in to
understand their
RR
T $M \ Asset of value equal to or
needs better.
To safeguard bankBBtS < more than loan amount interest against any
eTo taken has to be put as future default.
pledge or collateral.
To be on the name or blood
relative of applicant.
To establish the
ownership claim of the
loan applicant.
CIBIL Report To check the credit Bank tool to check
history of the applicant..
in loaning history of
. . .
applicant.
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Page22
V
%t A::r!%s!l +r&cess
r\
p
Re)eiEt o# aEEli)atio& #rom aEEli)a&t
Re)eiEt o# do)ume&t' Bala&)e '%eet ]C EaEer'+i^ere&t "oGt re"i'tratio& &o. M6A. A6A a&d
7re$'a&)tio& Gi'it by ba&k o_)er'
C%e)k #or RBI de#aulter' li't Yill#ul de#aulter' li't CIBI9data 4C8C Cautio& li't
(itle )leara&)e reEort' o# t%e EroEertie' to be obtai&ed#rom IB emEa&elled AdGo)ate'
/ AXaluatio& reEort' o# t%e EroEertie' to be obtai&ed #romemEa&elled Galuere&"i&eer'
7reEaratio& o# `&a&)ial data S) S)ruti&y &ote by bra&)%
7roEo'al EreEaratio& St A''e''me&t o# EroEo'al
Sa&)tio&aEEroGal o# EroEo'al by aEEroEriate 'a&)tio&i&" aut%ority
+o)ume&tatio&' a"reeme&t' mort"a"e'
+i'bur'eme&t o# 9oa&
7o't 'a&)tio& a)tiGitie' 'u)% a' re)eiGi&" 'to)k'tateme&t' reGieY o# a))ou&t' re&eY o# a))ou&t'
Page23
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yv
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0
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OBJECTIVE OF STUDY
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o
W
W
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Applicant Co-Applicant
Date of Birth 15/6/1976 03/05/1976
Membership No. Applied Applied
Pan No. A0mpp6087B Afzpp6527k
Residential status
:. . . . . .
Ownership Ownership
Area sq.ft. 1250 1250
Address Mogra,station road Mogra,station road
Name & Address of Navami Enterprise, Sahara One , SaharaBusiness
Mograpoint, mogra
Gross Salary P.M. 15000 2,50,000
Net Salary P.M. 14800 2,00,000
Income tax paid 380 7,21,449
N ame of
Loanee
•
Amt Sanctioned Bank Dateof
Sanction
Mr.Uday 89,00,000 Syndicate Bank 03/05/14Ghaisas
Mr.Uday 50,00,000 NKGSB 1/12/14
Ghaisas
!se stu#*Loan
TypeA::l%c!"t
: Housing Loan
: Mrs. Sulogna Ghosh
: Mr. Debasish Ghosh
Amt A::l%e# 7 -.,../...
I"st!llme"t 7 01.1.Details of Applicant & Co-Applicant is collected:
2.Details of Applicant’s family members iscollected.
S.Account Details:
4. Details of Loans & Advances availed from other
bank/financial institution/credit societies:
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Particulars of property A-1823, Garden Estate, Goregaon (w)
Mumbai — 400 062
Area (Sq.ft.) (955)- 653 Sf carpet
Purchase on 6/10/2010
Agreement value 70,00,000
Builder / Vender Name M/s. Vicky Joshi & Co.
Present Value Market Value: 1,10,79,000 lakh
Distress Value: 88,64,000 lakh
/->
5. Securities: A. Prime (Purchase of flat/house)
mortgage of immovable property:
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Page27
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6.Details of projected cost/Budget:
Purchase of Flat(Total amt) :70lakh
Advance paid : 30.50lakh
Amt applied : 40lakh
Balance in Account : 10,000
Deficit : Nil
7.Guarantee:2 Sureties
8.Check list of Documents
9.Declaration cum Undertaking by Mortgagers.
10. List of Documents:
Agreement for Sale
Stampduty paid receipt
Registration receipt
Valuation receipt
11. Housing Loan Agreement
1 ̂.Undertaking:
I Mrs. Prachi Ghaisas the borrower will repay 180 EMIsof Rs.
44300/- @10.5%(floating) on daily reducing balance
Purpose: Purchase of Flat
13. Scrutiny by branch:
Full details of applicant,co-applicant,surety 1 & 2.
_______ Page28
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........
wi i i l l
As per Agreement (RS.) As per
Government(Rs.)
Value/Costililllll iiiiii i||
70,00,000 51,05,400
Stamp Duty 33260
Reg,charges 30380
.............iliilli
..................I. 73,62,980 54,68,380
90/85/80%of C ost of
project
58,90,384 43,74,704
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Page30
/T
Applied : 40.00lakh
% : 90lakh (as per value construction)
Eligible as per repayment capacity : 59083/1105*100000 = 53.47 lakh
Loan Amount Eligibility (Lower of A/B/C of above) = Rs. 40.00 lakh
15. Visit report:
16. Documents Checked:
r Rent income deposit letter
> No share certificate issued by society
> No maintainance received by Society P
CIBIL report explanation letter
P Salary confirmation letter P
Rent agreement P Employer
Bond
P
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1 111=Silare
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iii. Above 6 Y ears250.76 0.51
>??-?? 250.76
Total Doubtful
Assets
(i+ii+iii)
1277.28 2.58
@- U"secure#
& Loss Assets
202.75 0.41 Y Y j i
100.00202.75
SI.
No.
Particulars Current
Year Previous Y ear
l. GROSS ADVANCES 49420.53 44365.34
2. GROSS NPA 2490.86 2696.91
GROSS NPA as Percentage to Gross Advances5.04 6.08
'EOO
Net NPA as a percentage of Net Advances0.32 1.18
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Position of Net NPAfnot performing asset)
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!/ &" @>-?@,3?>
Page34
(Rs. In Lacks)
/~\
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I f l F f W F B M
^ . ' . , - > . ■ * \ v Si Ct * .
■
2 0 0 9 - 2 0 1 0
■ P
4 9 8 . 6 8
9 0 1 0 - 2 0 1 1 5 8 7 . 4 8
2 0 11 - 2 0 1 2 6 7 5 . 6 4
2 0 1 2 - 2 0 1 7 9 . 1 6
2 0 1 - 2 0 1 4 f ! l v . 7 4
YEAR LOAND &ADVANCES
2009-2010 261.29;
2010-201 1
§g|| g f 11| | 11 ||g|
: 01 1-2012 350.65
2 443.65aHRHp: 494:2 1
HARTS AN5 4RA+HS
DEPOSIT OF HOOGHLY DISTRICT
CENTRAL CO OPERATIVE BANK:
TABLE: 1
4AR
>???
800
" 600
3
c4°0
O- 3??
0
2009-10 3?>?/>> 3?>>/>32012-1
DEPOSITS
201-14
#$%!$&l
2009->?
*20 l-
11 2011$
>3
Page45
LOANS AND AVAMCES OFHOOGHL1
DISTRICT CENTRAL COOPERATTV E BANK;
TABLE :2
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LOANS & ADVANCES
2012-1201-14
500
400
00
3?
?100
2009-103?>?/>> 3?>>/>3
#$%!$&l
■ 2
0
0
9
-
4AR
Page4
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credit deposit ra tio
2009-2010 52.40
2010-2011 50.54
2011-2012 51.54--- ' ''O7-/7- ' B C7' 2
2012-2013
'A: :
55.93
2013-2014
i: . S': ' ,■ : . ! . ' 111
55.67
2
MM
XT M I■ 11
SF9 2/' 2 0 \ 2IcITcc999999IT99:...
99999999c 11
9 9 I I I I 7 9
9 9 9 9 I 9 9
9 9 9 9
I 9 9 9 9 \ b : : I b c F \
2U c2 / 2 0 ( MHI8HI
:I
%%((((mm II:ISS9:: :S: SSSTSSTS I mmmmmmm7m) IIIII 4IIIIIIIII IIIIIIIIIIII2 0 5 $2 0 54
1
F .
$I /I$M0 . 5 c9999999I99I9 c IIIII FI99 999I9I9: 99999999I9999997I99cI9999...............
PROFIT LOSS GRAPH OF HOQGHLY
DISTRICT CENTRAL CO OPERATIVE
BANK:
TABLE:3
■ 2
0
0
9-
1
PROFIT / (-) LOSS
4.00
.50
.00
" 2.50).O
“ 3-??C6
1.50
>-??
0.50
0.00
2009-10 2010-11 2011-12 2012-1 201-14
4AR
Page4 V
CREDIT DEPOSIT RATIO
TABLE:4
CR4+I( +476SI( RA(I6
2009-10
3?>?/>>3?>>/>3
2012-1201-14
4AR
■ 2
0
0
9-
Page4
NPA OF HOOGHLY DISTRICT CENTRAL
COOPERATIVE BANK
TABLE; 5
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NON PERFORMING ASSET
?3?>>
/>3
2012-1
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FIN5IN4SS9OT ANALYSIS OF
H&&$hl* 5ISTRITENTRAL OO+ERATIVE
sGTHS
1st:;T ilili
r\
RTUNITIES
Introducing New Types of
Customized loan
THREATS
I Inflation
NPA
Page40
REO((EN5ATION
̂IN EVERY BRANCH ONE STAFF ALLOWTMENT FOR DOING
CALLING WORK
̂SYSTEM UPGRADATION
̂BOOKLET OF AGREEMENT/SECURITY DOCUMENTS
LEARNIN4t*U Credit appraisalis done to check the commercial, financial &
technical viability of the project proposed its funding pattern.
< A banker’s task is to identify/assess the risk factors/parameters
& man age/mitigate them on continuous basis.
I worked in loan Department & understood the meaning of
Customer service.
One thing I got is Though all banks are different entities, theyUUU
all are under one roof that is RBI.
P
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ONLUSIONI have gained an enormous insight while doing the project. The
organization for which I get the assignment in one of the leading bank of
our country. So I feel extremely privileged to get myself associated with a
company like this
Finance is not a theoretical affair. The essence of finance could be
realized only when one can get the opportunity to deal with the core
segment.
I am very satisfied for doing my project from HOOGHLY DISTRICT
CENTRAL CO-OPERATIVE BANK LTD.XREDIT APPRAISAL AND RISK
ANALYSIS” as subject.
It is my first project work I have ever done in my life. So naturally
some excitement and expectation increase my sincerity and seriousness.
Page1
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BIBLIO4RA+HY
To complete this project various books and other source of
information have been used which are as follows:
,4BSI(4S:
l.WWW.GOOGLE.CO.IN
B66]S:
1. Financial management system-M.Y. Khan and P.K. Jain
2. Financial management-I M Pandey
3,Management Accounting- Shaski. K. Gupta and R.K.Sharma.
4,Modern Accounting Theory-DebasishBanerjee.
4.Data collected from Hooghly District Central Co-operative
Bank.
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http://www.google.co.in/http://www.google.co.in/
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/S
0