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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

wholesale businesses.

HDFC Bank - Housing Development Finance Corporation Limited

Bank Limited or HDFC Bank is one of the largest private banks in

India. The company competes with Indian Bank in each segment,

over a wide range of banking services covering commercialand

investment banking on the wholesale side and

transactional/branch banking on the retail side. HDFC's Standard

Life Insurance company competes with ICICI's insurance

subsidiaries. Their mutual fund and asset management businesses

are also in direct tussle.

Canara Bank - is one of the oldest commercial bank in India which

has been in operations for over 100 years. The Bank is the third

largest public sector bank in terms of assets with a total asset base

of over Rs. 2,196.46 billion. Among the nationalized banks, Canara

Bank holds the largest Automated Teller Machine (ATM) network

comprising over 2000 ATMs across India. As of March 2009, the

Bank had a total of 2,733 branches spread across all geographical

segments. All the branches of Canara Bank are enabled with Real

Time Gross Settlement (RTGS) and National Electronic Fund

Transfer (NEFT) transaction facilities, ensuring smooth and swift

money transfer across the country.

HISOTRY:

Jivan commercial Co-operative bank is a lending Co-operative

Bank in Rajkot. Bank was established on 7 august 1972 with share

capital of Rs 78200 and membership of 1027 persons under the

leadership of Late Rajendrabhai Raya & Late HarsurbhaiRaval. Bank

has made tremendous & real progress under the leadership of former

chairman Late Rajendrabhai Raya.

Bank is successfully working for last 41 years. During past

Yearbank has played vital & leading role for the development of industry

business & economic of Rajkot city.

JIVAN BANK was the first bank that takes direct loan to

GUJARAT STATE CO-OPERATIVE BANK LTD.

Over the years the bank was able to develop as many as 5

branches including 5 in Rajkot and 1 in the nearby town of wakened,

with main branch in the center of the city. All of its branches have

experience from public because of the facility provide by city.

Being in service sector,with a vision of current & future trends,

bank has started automation and modernization way back in 2005 all the

branches was computerized.

BANK PROFILE

Name Jivan Commercial Co-operative Bank Ltd.

Registration Office “Vittalay”, Dhebar Road, Rajkot-360002

Registration no. 6101(18-04-1972)

Year of Establishment 7 August, 1972

Initial Share Capital 78,200/-

Current share capital 5,31,79,525/-

Initial member 1017

Current Member 24,949

Type of Bank Commercial Co-operative

Phone No. 0281-02240

Fax. No. 0281 2233 168

E-mail jivanbank@yahoo.co.in

Chairman Mr. BhagavanjibhaiParasana

Managing Director Mr. NarendreasinhJadeja

BOARD OF DIRECTORS

Chairman Shree BhagvanjibhaiParasan

Managing

Director

Shree NarendrabhaiJadeja

General

Manager

Shree Ashvinbhai Dave

Directors Shree RudradatbhaiRaval

Shree VasantbhaiKamdar

Shree RaieshbhaiParanasa

Shree HarkishanbhaiMazani

Shree NatavarlalKhakhkhar

Shree BabubhaiDabhi

Shree JaydevsinhJadeja

Shree NavinbhaiBarchha

Shree vajubhasajubhaZala

Shree Rarneshbhai Patel

Shree Sureshbhai Pathak

Chairman

Vice. Chairman

Managing Director

General Manger

Main Branch Other Branch

Manager

Deputy Manager

Assistant Manager

Clerk

Manager

Assistant Manager

Clerk

Peon

Mission

“HALPING TO CREATE GREENER FUTURE.”

The above slogan shows well performance and social

responsibility towered the society. For that they are taking care of those

garden developed by government never to thebank. They think that by

this way environment will be Elena and also the bank got the good name

in the area.

They are providing much facility as well as they are going to

starred ATM facility. They are having already 4 branches in Rajkot and

going to strand 2 new branches. One at sudhuvasvani road and another

is near to nana mahuacircl, shastrinagar area.

Vision:

To be the premier public sector bank of Gujrat aiming at growth

and profit with central focus on customer delight by means of improved

technology, excellence in services thus harnessing the potential for

growth in alignment with national policies and priorities in a planned

manner geared to meet all challenges of growth

FUTURE PLAN

JIVAN COMMERCIAL CO-OPARATIVE BANK wants to start new

branches in different district of Gujrat and if possible, may start at India

level also bank may also provided facility if possible, bank wants to

develop close relationship with individual and depositors. bank also

wants to develop maintain growth want more growth. Bank may provide

various types of new loan, student’s loan, NIR loan and many more

policies. Generally, bank mainly focuses on starting new branches in

various place of Gujarat.

GROWTH AND DEVELOPMENT

Accounting is economic transaction which will be written in

statement. A proprietor as well as a partnership firm or any organization

has to make accounts of full year at the end their financial year for a

company to prepare profit and loss A/C and balance sheet every year.

Accounting to section 209 of the Indian companies Act, prescribes a

form in which a balance sheet has to be prepared. It also provides for

detailed requirement as to profit and loss A/C account can be made in

different ways. Different firm uses different practices.

1) RESERVE & SURPLUS:

Particular March 2013-‘14 March 2012-‘13 March 2011-‘12

Reserve &surplus

24.20cr 23.43cr 22.7cr

.

Interpretation:-

In the March 11-12, Reserve& surplus is 22.70cr.

In the March 12-13,Reserve & surplus from 22.70 to 23.43

In the March 13-14 Reserve & surplus from 23.43 to 24.20.

yr 14-13 yr13-12 yr12-1121.5

22

22.5

23

23.5

24

24.5

Chart Title

Series 1 Column1 Column2

2) DEPOSITS:-

Particular March 2013-‘14 March 2012-‘13 March 2011-‘12

Deposits 203.43cr 199.54cr 180.72cr

yr 14-13 yr 13-12 yr 12-11165

170

175

180

185

190

195

200

205

210

Chart Title

Series 1 Column1 Column2

Interpretation:

In the march 11-12, the amount of deposit is 180.72cr.

In the march 12-13, the amount of deposit from 180.72cr to

199.54cr.

In the march 13-14, the amount of deposit from 199.54cr to

203.43cr.

3) CASH:

Particular March 2013-‘14 March 2012-‘13 March 2011-‘12

CASH 45.65cr 51.21cr 37.13cr

Interpretation:

In the march 11-12, the amt of cash is 37.13cr.

In the march 112-13, the amt of cash from 37.13 to 51.21cr.

In the march 13-14, the amt of cash from51.21 to 45.65cr.

YR14-13 YR13-12 YR12-110

10

20

30

40

50

60

Chart Title

Series 1 Column1 Column2

PRODUCT OVERVIEW

LOAN:

The term “loan”refers to the amount borrowed by one person from

another. The amount is in the nature of loan and refers to the sum paid

to the borrower. Thus, from the point of view of bank, it is “lending”. Loan

may be regarded as “credit” granted where the money is distributed and

its recovery is made on a later date.

I. Housing loan

II. Business loan

III. Vehicle loan

IV. Personal loan

V. Professional loan

VI. Loan against NSC\KVP

ADVANCES:

‘Advances’ on the other hand, is a ‘credit policy’ granted by the

bank. Banks grant advances largely for short term purpose, such as

purchase of goods traded in and meeting other short term trading

liabilities. There is a sense of debt in loans, whereas an advance is a

facility being availed of by the borrower. However, like loans, advances

are also to be repaid. Thus a credit facility repayable within one year

may be known as advances.

Secured advances

Land and building

Produce and goods

Documents of title to goods

Life insurance policies

Unsecured advances

Guarantees of another person

SERVICES

A) DEPOSITS:-

1) Current deposits

2) Fixed deposits

3) Saving deposits

B) CASH CREDIT:-

Cash credit is a form of advances to meet the demand of trade,

industry, agriculture and commerce. Operations in cash credit are

conducted similar to the overdraft.

1) Loan to small scale industry

2) Other

C) BANK OVERDRAFT:-

Under the overdraft facility, banks permits the customer to overdraw

his current account up to a certain limit. The borrower is allowed to draw

in excess of the amount he deposits by a specified amount.

D) ADVANCES:-

1) advances given for purchase of domestic appliances

2) advances given against gold ornaments

3) advances given against machinery

4) advances given against overdraft

E) DEPOSITS:-

In the banking sector there are very important role of deposit

accounts including the procedure of opening and operating bank

accounts.

Different kinds of deposits:

Current deposit

Saving deposit

Recurring deposit

Special saving account

Fixed deposit

F) LOCKER SYSTEM:-

Banks provides safe deposit vaults to public at selected branches.

Jivan Bank provides locker System to members for the security of gold

ornaments, important papers and other precious items.

The rent is charged as per the locker size:

For small size locker is Rs.350.

For medium size locker is Rs.500.

For big size locker is Rs.1000 are charged per month.

G) DEMAND DRAFT:-

A draft is written by a bank to other bank of branch of the bank. In it

an order is giving to pay the amount to person, whose name is indicated.

He has to fill up sleep for issuing the draft to which he wants to pay the

amount. As per the transaction bank is charging different amount of

commission for Demand Draft service.

SWOT ANALYSIS

STRENGTH

WEAKNESS

OPPORTUNITY

THREAT

STRENGTH:-

The jcc bank adopts the systematic approach.

Jcc bank having good competitive skills.

Jcc bank having good financial strength like, NET NPA is ZERO

Jcc bank is having good human resource available.

Jcc bank providing fast services.

Employees always ready to carry challenges.

Profitability and sound liquidity.

Strong brand equity

WEAKNESS:-

Jcc bank is weak updating of the web site.

Jcc bank has to follow rules and regulations of RBI

Bank is not available open market

operationforpurchaseorsellofshares.

Bank is having lack of proper marketing expertise.

Lower volume of advance due to their rate of interest.

OPPORTUNITY:-

Jcc bank can increase new customers by increasing its marketing

activity.

Bank can start its mobile banking.

Bank can start open market operation.

Bank is provide capture market segment.

THREAT:-

Bank facing high level of competition with other bank.

Changes in government policies and in rules and regulations

regarding bank can be disturbed in regular services of the bank.

Any wrong rumours against bank may put its existence in danger

INTRODUCTION OF STUDY

Methodology includes a philosophically coherent collection of

theories, concept or ideas as they to a particular discipline or filed of

inquiry:

Methodology refers to methods rather it refers it to the rationale

and the philosophical assumption that underlie a particular study relative

to the scientific method. This is why scholarly literature often includes a

section on the methodology of the researchers. This section does more

than outline the research’s methods it might explain what the

researcher’s ontological or epistemological views are.

Another key usage for methodology does not refer to research or

the special analysis techniques. The often refers to anything and

everything that can be encapsulated for a discipline or a series of

processes, activities and tasks.

Research acknowledges the need for rigor, logic and coherence in

their methodologies, which are subject to peer review.

DEFINITION:

“The manipulation of things, concept or symbols for purpose of

generalizing to extend, correct or verify knowledge, aids in constriction of

theory or in the practical of an act.”

RESEARCH PROBLEM

WHAT IS RESEARCH PROBLEM?

Research forms a cycle. It starts with a problem and ends S a

solution to the problem. A research problem is the simulation that causes

the researcher to feel confused at ease. It is the determination of

problem are within a certain context involving the WHO or WHAT,

WHEN and the WHY of the problem situation.

IDENTIFICATION OF THE PROBLEM

The prospective researcher should think on what caused the need

to do the research. Research originates from a need that arises. A clear

distinction between the PROBLEM and the PURPOSE should be made.

The problem is the aspect the researcher worries about, thinks about,

and wants to find a solution for. The purpose is to solve the problem i.e.

find answers to the question. If there is no clear problem formulation, the

purpose and methods are meaningless.

The research problem should be stated in such a way that it would

lead to analytical thinking on the researcher with the aim of possible

concluding solution to the stated problem. Research problem can be

stated in the form of either questions or statements.

Problem face by JCC bank,

(1) Amount of loans is affected by consumer’s income.

RESEARCH OBJECTIVES

1) To study how the bank provide different loan

2) Compare and known which loan is better for customer

3) To know the different services provided by bank

4) To aware about the customer satisfaction for the particular service

taken from the JCC bank

RESEARCH METHODOLOGY

RESEARCH DESIGN

The nature of our research design is descriptive in studies.

Descriptive research, also known as statistical research, describe

data about the population being studied.

Descriptive research is taken because it includes the knowing the

views of different independent financial advisor.

SAMPLING FRAME

In practical life, it is not possible to enumerate, investigate, and

estimate all items in any field inquiry. Therefore when the field of inquiry

is large, a complete enumeration of universe becomes difficult and

complicated.

Consequently, Researcher must prepare a sample plan for

selecting an opposite sample. In this research, sample was selected as

50 customer of JCCB.

POPULATION SIZE

Around 1000 in these the customer as well as employee of JCC is

counted which is part of these.

SAMPLE SIZE

This research is conducted by taking preference of 100 customer

of JCCB. It is convenience sampling because this questionnaire was

distributed randomly to all the customer.

SAMPLING METHOD

I have to use convenience sampling method to analysis of market

research and percentage of investment is dependent of loan taken or

independent of income level.

SOURCES OF DATA

I have collected the data from different sources which are given below.

Website

www.jccb.co.in

Books

Magazines

DATA COLLECTION METHOD

There are to main sources of data.

1. Primary Data

2. Secondary Data

Primary Data:-

The data, which is collected directly from the respondent to the

base of knowledge and belief of the research, is called primary data.

Primary data have been collected through discussions with

executives and staff of the Bank.

Secondary Data:-

When the data is collected and compiled from the published nature

or any other’s primary data is called secondary data.

So far as our research is concerned, we have not collected any

information form any sources. So, we have not used secondary data for

our research.

Analysis and interpretation of Data

Q.1

TYPE OF OCCUPATION NO. OF CUSTOMER

Businessman 27

Employee 42

Profession 19

Retired person 12

Total 100

Businessman Employee Profession Retired person0

5

10

15

20

25

30

35

40

45

No. of Customer

No. of Customer

Interpretation:

The highest occupation of loan borrowers is employees. 42

employees are taken a loan JCCB. Then 27 Businessman, 19

Professional persons are taken a loan JCCB. The lowest loan taken are

retired person are 12.

Q.2

TYPES OF LOAN NO. OF CUSTOMER

Industrial Loan 18

Consumption Loan 08

Building Loan 14

Gold Loan 20

Other Loan 40

Industrial Loan Consumption Loan Building Loan Gold Loan Other Loan

No. of Customer 18 8 14 20 40

2.5

7.5

12.5

17.5

22.5

27.5

32.5

37.5

42.5

18

8

14

20

40

No. of Customer

No. of Customer

Interpretation:

In the JCCB, 18 borrowers are taken industrial loan, 08 borrowers

are taken consumption loan, 14 borrowers are taken building loan, 20

borrowers are taken gold loan, and 40 borrowers are taken other loan.

Q.3

AGE GROUP OF CUSTOMER NO. OF CUSTOMER

18-35 year 35

35-60 year 55

60-90 year 10

Total 100

35

55

10

No. of Customer

18-35 year35-60 year60-90 year

Interpretation:

The highest are group of loan borrower is, 35-60 year age group

55 people are included under this age group. Then 35 people are

included under 18-35 year age group the lowest 10 people are included

under 60-90 year age group.

Q.4

INCOME LEVEL OF CUSTOMER NO. OF CUSTOMER

Up to 2 lakhs 23

Between 2 to 5 lakhs 44

Between 5 to 10 lakhs 21

More than 10 lakhs 12

Total 100

Up to 2 lakhs Between 2 to 5 lakhs Between 5 to 10 lakhs More than 10 lakhs0

5

10

15

20

25

30

35

40

45

50

No. of customer

No. of customer

Interpretation:

The highest income level of loan borrowers is, between 2 to 5

lakhs. 44 people are included under these. Then 23 borrowers are taken

up to 2 lakhs, 21 borrowers are taken between 5 to 10 lakhs loans. The

lowest, 12 borrowers are taken a loan of Rs. More than 10 lakhs.

Q.5

BEHAVIOUR NO. OF CUSTOMER

Excellence 36

Good 23

Adequate 14

Average 17

Unsatisfactory 10

Total 100

Excellence Good Adequate Average Unsatisfactory0

5

10

15

20

25

30

35

40

No. of customer

No. of customer

Interpretation:

36 staff members behaviour are Excellence, 23 staff members

behaviour are good, 14 staff members behaviour are adequate, 17 staff

members are Average, and 10 staff members are unsatisfactory.

Q.6

TIME PERIOD OF LOAN NO. OF CUSTOMER

1 to 3 year 33

3 to 8 year 18

8 to 15 year 21

15 to 25 year 28

Total 100

1 to 3 year 3 to 8 year 8 to 15 year 15 to 25 year0

5

10

15

20

25

30

35

No. of customer

No. of customer

Interpretation:

The highest 33 loan borrowers are taken loan for 1 to 3 year, 18

borrowers are taken loan for 3 to 8 year, 21 borrowers are taken loan for

8 to 15 year, and 28 borrowers are taken loan for 15 to 25 year.

Q.7

BANK NAME NO. OF CUSTOMER

ICICI 8

HDFC 20

AXIS 8

BOB 15

ANOTHER LOAN 11

NO ANOTHER LOAN 38

TOTAL 100

8%

20%

8%

15%11%

38%

No. of Customer

ICICI HDFC AXISBOB ANOTHER LOAN NO ANOTHER LOAN

Interpretation:

The loan borrowers of JCCB are also taken loan from rival bank, 8

borrowers taken loan from ICICI bank, 20 borrowers are taken loan from

HDFC bank, 8 borrowers are taken loan from AXIS bank, 15 borrowers

are taken loan from BOB, 11 borrowers are taken loan from another

bank, 38 borrowers are taken loan only from JCC bank.

Q.8

QUALIFICATION OF CUSTOMER NO. OF CUSTOMER

Up to HSC 37

Up to graduation 32

Up to post graduation 19

More than post-graduation 12

Total 100

Up to HSC Up to graduation Up to post graduation More than post-graduation0

5

10

15

20

25

30

35

40

No. of Customer

No. of Customer

Interpretation:

In JCC bank’s 37 customer study up to HSC, 32 Customer study

up to graduation, 19 customer study up to post graduation, and 12

customer’s study more than post-graduation.

Q.9

EXTENT LEVEL NO. OF CUSTOMERLess than 1,00,000 12Between 1,00,000 to 5,00,000 31Between 5,00,000 to 10,00,000

38

More than 10,00,000 19Total 100

Less than 1,00,000 Between 1,00,000 to 5,00,000

Between 5,00,000 to 10,00,000

More than 10,00,000 0

5

10

15

20

25

30

35

40

No. of Customer

No. of Customer

Interpretation:

In JCCB, 38 borrowers are having maximum extent to take loan

between 5 to 10 lakhs, 31 borrowers are having maximum extent to take

loan between 1 to 5 lakhs, 19 borrowers are having maximum extent to

take loan more than 10 lakhs , and 12 borrowers are having maximum

extent to take less than 1 lakhs.

FINDINGS

1) I have visited JCCB over there, I took interview of various

customers on the basis of that.

2) I found those customers who are more preferring or favoring

personal loan because it is easily available.

3) Customer are satisfied with service & other banking facility

provided so they are ready to deal but then also the bank is

working in very sound condition in every situation.

4) The duration between loans taken is long term because the people

of rural areas have either irregular sources of income or they take

the loan for occasions only.

SUGGESTION

1) The bank should introduce advances technology for banking

and should give attention to manpower time to time.

2) The bank should take steps to forecast the changing financial

need of customer of different type of group and banking

accordingly.

3) The bank should focus on advances.

4) The bank should put together all it hard work to bring more

responsiveness and awareness to customers.

5) The bank should give loan more to small and middle class

people.

6)The bank should make more advertisement for publicity of

activity of bank.

CONCLUSION

This is the ending stage of this research report. From this financial

research work, I came to know about a lot of new things which can be

very useful me at present and also in future.

After having all the required information for preparing my report, I

have tried to analyse each and every function of JCCB.

LIMITATIONS

1) Many times of customers are not ready to give information to the

researcher.

2) Sometimes time gap make research irrelevant.

3) If there is manipulation of data by preparing financial report then it

will be showing unrelated and invalid data.

4) Lack of advanced scientific techniques for analysis and

interpretation.

BIBLIOGRAPHY

1) Bank annual report

2011-12

2012-13

2013-14

2) Magazines published by JCCB

3) “ Modern banking- Theory and practice”

Authors: D.MURALEEDHARAN

Publisher: PHI learning pvt ltd.

4) “Research methodology- Methods and techniques”

Author: C.R.KOTHARI

Publisher: New age international pvt ltd.