Loan and Advances Procedures of Urban-Baroda-Punjab Bank.doc

7/21/2019 Loan and Advances Procedures of Urban-Baroda-Punjab Bank.doc

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A

PROJECT REPORT

ON

COMPARITIVE STUDY

OF

LOAN AND ADVANCES

PROCEDURES

OF

URBAN CO-OPERATIVE BANK

WITH

BANK OF BARODA AND PUNJAB NATIONAL BANK

Submitted i P!"ti!# Fu#$i##met %$ M!&te" I Bu&ie&&

Admii&t"!ti% P"%'"!m (Se&&i% )**+-*,

SUBMITTED TO SUBMITTED BY

MR. NITIN PATHAK SHIKHA RASTO/I

(Project Guide) MBA 2 ND YEAR (3RDSEM)

(Roll Number-070!700"7)

Invertis Institute of Management Studies

Bareilly

(Aliated to U..Te!"ni!al University# $u!%no&'



PREFACE

#r$i%i%& i' $% i%te&r$l $rt o t*e curriculum o m$'ter o bu'i%e'' $dmi%i'tr$tio% $%d 'o +

*$,e do%e tr$i%i%& i% t*e RBAN .//PERA#+E BAN1 #D B$reill45 + *$,e $%

ob'er,$tio% t*$t t*e m$%$&eme%t o co-oer$ti,e 'ociet4 i' eicie%t $%d e6erie%ced #*e

or&$%i$tio% &ro8' to t*e e6te%t de'ire /%e o t*e mo't imort$%t eleme%t' %ece''$r4 or

'ou%d de,elome%t o $ co-oer$ti,e or&$%i$tio% i' erect 9%o8led&e o co-oer$ti,e

u%d m$%$&eme%t $%d ot*er 'er,ice' (Seci$ll4 o$% Ser,ice) to be o''e''ed b4 t*e

b$%9 m$%$&er'

:*e% + &ot $ ,er4 &ood oortu%it4 o u%der&oi%& RBAN .//PERA#+E

BAN1 or tr$i%i%& uro'e + *$d m$de u m4 mi%d to $4 e6tr$ $tte%tio% to8$rd' t*e

'tud4 o co-oe m$%$&eme%t

#*e m$i% objecti,e' o 'ummer tr$i%i%& $re $' ollo8';

•

#o *el t*e i%di,idu$l i% m$9i%& better deci'io%' $%d eecti,e roblem 'ol,i%&

• #o *el i% e%cour$&i%& $%d $c*ie,i%& 'el-de,elome%t $%d 'el-co%ide%ce

• #o ro,ide i%orm$tio% or imro,i%& le$der'*i5 9%o8led&e5 commu%ic$tio%

'9ill' $%d $ttitude'

• #o *el i% elimi%$ti%& e$r i% $ttemti%& %e8 t$'9'

• #o imleme%t5 t*eoretic$l 9%o8led&e r$ctic$ll4

A' + 9%o8 t*$t 8e $re li,i%&5 i% $ cometiti,e 8orld $%d t*ere i' $ cut-t*ro$tcometitio% i% $ m$r9et #*e co-oer$ti,e mo,eme%t 8$' 't$rted to o,ercome t*e

e6loit$tio% o t*e 8e$9er b4 t*e i%$%ci$ll4 8ell built eole Amo%& $ll t*e i%'titutio%$l

$&e%cie' co-oer$ti,e' l$4 $% imort$%t role i% ro,idi%& credit to urb$% eole.

#*ereore5 to $%$l4e it5 + 8$' &i,e% t*e toic or re'e$rc*5 <o$% = Ad,$%ce'

Procedure o rb$% .o-oer$ti,e B$%9 8it* B$%9 o B$rod$ = Pu%j$b N$tio%$l B$%9>



ACKNOWLED/EMENT

:e $ll 9%o8 t*$t &olde% to 'ucce'' i' te$m8or9 #*i' roject i' %o e6cetio% to t*e rule A' $ 'tude%t +

le$r% m$%4 t*i%&' but u%le'' + ut $ll 8it* t*e r$ctic$l 1%o8led&e $' *o8 t*i%&' re$ll4 8or9 $%d 8*$t

$re t*e roblem' &e%er$ll4 $ri'e5 + c$% %ot e6ect to be $% eicie%t MBA So + t*i%9 'ummer roject i'

$% i%di'e%'$ble $rt o t*e cour'e

#*e roject 8or9 be$r' t*e imri%t o 'e,er$l er'o%' + *$,e $ dee 'e%'e o &r$titude

$%d *o%or to8$rd' t*em ?ir't o $ll + 8ould li9e to re'e%t m4 'i%cere t*$%9' to S*ri

P.B$l$4$% (GM)5 RBAN .//PERA#+E BAN15 $%d B$reill4

Seco%dl45 + e6re'' m4 dee &r$titude to Mr@$&di'* B$bu G$%&8$r5 Br$%c* M$%$&er

o RBAN .//PERA#+E BAN1 8*o ro,ided me t*e oortu%it4 to u%der &o 'ummer

tr$i%i%& i% $% or&$%i$tio% o 'uc* $ *i&* reute $%d re'ti&e

M4 *e$rtelt &r$titude $%d 'eci$l t*$%9' to Mr u9um Si%&* G$%&8$r5 @u%ior /icer o

RBAN .//PERA#+E BAN1 :*o *$d &uided me i% $ ,er4 9i%d $%d *elul m$%%er duri%& t*e

comletio% o t*e 8*ole roject $%d + 8ould %ot be to do t*i' roject 8it*out ,$lu$ble &uid$%ce o *im

+ $m ,er4 muc* t*$%9ul to m4 .*$irm$% $%d All /t*er emlo4ee' o b$%9 to 'ul4 me t*e reuired

i%orm$tio% $%d d$t$ i% 'ite o bu'4 oici$l $%d $c$demic 'c*edule

+ e6re'' m4 deee't 'e%'e o &r$titude to m4 roject &uide M" Niti P!t0!1 5 8*o too9 ,er4

9ee% i%tere't i% &uidi%& me t*rou&*out m4 roject 8or9 $%d '$ri%& *i' ,$lu$ble time or me

Be't eort' $re m$de to co,er $ll t*e $'ect' rel$ted to t*e roject to ro,ide $ comlete $%d

brie 9%o8led&e to t*e re$der'

SHIKHA RASTOGI

MBA 3rd SEM



CONTENTS

?ro%t P$&eC#itle P$&e

2 .ertiic$te o +%du'tri$l #r$i%i%&

3 Pre$ce

Ac9%o8led&eme%t

! i't / .o%te%t'

i't / #$ble'

7 i't / Gr$*'

F A%$tom4 / #*e 8ord Project

" +%troductio%

$ Gro8t* / .o-oer$ti,e Mo,eme%t +% +%di$

b Aim' = /bjecti,e' / .o-oer$ti,e .redit +% +%di$

c Structure = Sre$d / +%di$

0 i'tor4 / rb$% .o-oer$ti,e B$%9 +% +%di$

Proile / #*e rb$% .o-oer$ti,e B$%9

$ Are$ /' /er$tio%

b Br$%c*

2 i'io%5Mi''io%5/bjecti,e' = Go$l' / B$%9

3 Ser,ice' / B$%9

o$% = Ad,$%ce' Procedure

$ Polic4 = Procedure / B$%9

b #4e' / o$% Pro,ided B4 B$%9

c Reuireme%t' o #$9i%& ome o$%

! .om$r$ti,e Stud4 / ome o$% / #*i' B$%9 :it* /t*er B$%9'

Need / Stud4 or Re'e$rc* Problem

7 /bjecti,e' / Stud4

F S:/# A%$l4'i'



" Re'e$rc* Met*odolo&4

$ Re'e$rc* Dei%itio% = +t' #4e'

b /bjecti,e' / Re'e$rc*

c +mort$%ce / Re'e$rc*

d Met*od / Stud4 = D$t$ .ollectede St$ti'tic$l #ool' / Stud4

ue'tio%%$ire $%d it' ?orm$t

20 D$t$ A%$l4'i' A%d +%terret$tio%(+% Gr$*ic$l ?orm)

2 De,elome%t'

22 .o%clu'io%' = ?i%di%&' / Stud4

23 Su&&e'tio%' = Recomme%d$tio%'

2 +de%tiic$tio% / Be%eici$rie'

2! imit$tio%' / Stud4

2 Biblio&r$*4



LIST OF TABLES

Pre'e%tl4 .o-oer$ti,e +% +%di$

2 No% .redit .o-oer$ti,e +% +%di$

3 Structure / rb$% .o-/er$ti,e B$%9

Sc*edule / .u'tomer Ser,ice

! .omo'itio% / Bo$rd / Director'

D$t$ / :or9i%& .$it$l = +%,e'tme%t'

7 Pro&re'' / Deo'it'

F Deo'it Sc*eme'

" Pro&re'' / o$% = Ad,$%ce'

0 +%tere't R$te' /% o$% = Ad,$%ce'

.om$r$ti,e Stud4 / ome o$% :it* /t*er B$%9'

2 +%come 5 E6e%diture = roit

3 Deo'it Mi6

Borro8i%& Po8er / B$%9

! ?i%$%ci$l Pro&re'' Reort / B$%9

16.Emlo4ee Producti,it4



LIST OF CHARTS

+%di$% .redit .o-oer$ti,e B$%9i%& Structure

2 Det$il Structure / +%di$% .redit .o-oer$ti,e

3 Admi%i'tr$ti,e Set-u

Pro&re'' / Deo'it

! Pro&re'' / o$% = Ad,$%ce'

+%come5 E6e%diture = Proit

7 ?i%$%ci$l Pro&re'' Reort / B$%9

F D$t$ A%$l4'i' = +%terret$tio% .*$rt'



1.

ANATOMY OF THE WORD PROJECT

E$c* $l*$bet o t*e 8ord <PR/@E.#> it'el reer' to 'ome me$%i%& Beore &i,i%& i%to

roject 8or95 it i' %ece''$r4 to 9%o8 8*$t <PR/@E.#> de%ote' #*e 8ord re,e$l' t*e

ollo8i%& me$%i%&;

PLANNIN/ 2 ?or $rr$%&i%& = mobilii%& Re'ource'

RESPIRES 2 ?or romotio% o l$%%i%&

OVERHEAD E3PENSES 2 +% e'tim$ted 'ur,e4 de'i&% = $4out

JOINT EFFORTS 2 Mu't or 'ucce''ul comletio%

EN/INEERIN/ 2 A% $mic$ble 'olutio%

CONSTRUCTION 2 Mu't or b$'ic r$me8or9

TECHNI4UE 2 #*e $d,$%t$&e or $%4 roject



CHAPTER-5

INTRODUCTION

+%di$ i' $ cou%tr4 8*ere 502750!0527 i%*$bit$%t' li,i%& i% t*e $re$ o 32F73 millio%

*ect$re' o 8*ic* 70H o t*e oul$tio% li,e' i% rur$l $re$ +t *$' 2F 't$te'5 7 u%io%I'

territorie'5 27 di'trict' $%d tot$l o 5 F25F2 ,ill$&e' A&riculture i' t*e redomi%$%t

'ector i% t*e eco%om4 8*ic* co%tribute' 2!H i% GDP/ut o 3"722 millio% tot$l 8or9-

orce'5 !FH e%&$&ed i% $&riculture

#*e cou%tr4 c$te&oried u%der t*e c$te&or4 o de,eloi%& cou%trie' 8*ic* $re

e$tured b4 lo8 er c$it$ i%come 5 &re$ter dee%de%ce o% $&riculture5 l$r&e 'c$le o

u%emlo4me%t5 lo8 le,el o roducti,it45 *i&* de%'it4 o oul$tio% $%d 'ueri%& o

c$it$l deicie%c4 #*e er c$it$l i%come o $% +%di$% 8$' !0 SJ i% """ $%d 37H o

t*e oul$tio% 8ere BP+t *$' $l'o 2!H '$,i%& r$te 8*ic* *$mer' t*e c$it$l

orm$tio% $%d lo8 roducti,it4

#*e co-oer$ti,e mo,eme%t i% +%di$ i' t*e l$r&e't i% t*e 8orld #*ere $re $bo,e

! l$9*' co-oer$ti,e 'ocietie'I %et8or9 $ll o,er t*e cou%tr4 *$,i%& member'*i o $bo,e

20! crore' At t*e &r$'' root le,el t*ere $re more t*$% 5 005000 rim$r4 A&ricultur$l

credit 'ocietie' *$,i%& $bo,e F7 crore' e$'$%t member' #ot$l "FH o t*e ,ill$&e' o

t*e cou%tr4 $re $,$ili%& diere%t i%$%ci$l 'er,ice' +%di$ i' $ ir't de,eloi%& cou%tr4 i%

t*e 8orld 8*ic* *$' 'ucce''ull4 tried eco%omic de,elome%t i% bot* rur$l $%d urb$%

$re$' t*rou&* co-oer$ti,e mo,eme%t #*e co-oer$ti,e mo,eme%t *$' become ,ei%' $%d

$rterie' o t*e blood o 'oci$l lie o +%di$% eole



A. /"%6t0 O$ C%-O7e"!ti8e& M%8emet I Idi!

#*e &ro8t* o co-oer$ti,e mo,eme%t i% +%di$ i' di,ided i%to t*ree $rt' ,i Pre-

i%dee%de%ce eriod $%d re'e%t 'ce%$rio

5.5. P"e-ide7ede9e 7e"i%d

Duri%& t*e re-i%dee%de%ce eriod5 t*e co-oer$ti,e credit 'ocietie' $ct5

"0 8*ic* &i,e' ri'e to t*e co-oer$ti,e mo,eme%t $%d $l'o t*e co-oer$ti,e

'ocietie' $ct5 "2 co,er t*e ri'e o $ll ot*er co-oer$ti,e 'ocietie' i% +%di$ #*e co-

oer$ti,e' emer&ed $' $ 'oci$li'tic 'tro%& orce $&$i%'t t*e e6loit$tio% $%d romoted

$%d rotected t*e eco%omic i%tere't o t*e 8e$9er 'ectio%' +t &i,e' lie blood to t*el$bor'5 t*e 8or9er'5 t*e $rti'$%' $%d t*e co%'umer' +t &i,e' t*e loud ,oice o u%it4 to

c*ec9 t*e e6loit$tio% o oor cl$'' eole 8it*out co%'ideri%& t*eir c$'te5 'ub-c$'te

$%d reli&io%

#*u'5 it $l'o *eled i% 'oci$l ju'tice $%d u$lit4 o m$% $%d 8om$% +t built

t*e 'ociet4 or t*e i%di,idu$l $' 8ell $' or de,elome%t o $ll t*e member' o t*e

'ociet4 #*u' co-oer$ti,e mo,eme%t *$' l$4ed d4%$mic 'i&%iic$%t role i% t*e lie o

+%di$% oor

5.). P%&t :Ide7ede9e 7e"i%d

#*e $tt$i%me%t o i%dee%de%ce i% "7 $%d t*e co%'eue%t e't$bli'*me%t

o %$tio%$l &o,er%me%t i% t*e cou%tr4 c$me i% $' $ ou%t$i% o i%'ir$tio% or t*e co-

oer$ti,e' mo,eme%t

%li9e t*e Euroe$% cou%trie'5 t*e de,elome%t o co-oer$ti,e i%'titute'

i% +%di$ 8$' t*ru't u or b4 t*e &o,er%me%t +t *$' t$9e% ,$riou' 'te' to or&$%ie5



reor&$%ie' $%d de,elo' co-oer$ti,e mo,eme%t rom time to time $' er t*e

recomme%d$tio%' o ,$riou' committee' 'uc* $';-

• All +%di$% Rur$l .redit .ommittee "!-!

• .ommittee o% .o-oer$ti,e $85 "!

•

M+RDA .ommittee o% .o-oer$tio%5 "!• .*ie Mi%i'ter' $%d mi%i'ter' co%ere%ce or co-oer$tio% "F

• .ommittee o% .o-oer$ti,e $8 or democr$ti$tio% $%d roe''io%$li$tio%

o m$%$&eme%t i% co-oer$ti,e5 "F!

#*e .o-oer$ti,e Pl$%%i%& .ommittee *$' 't$ted ri&*tl4 t*$t <t*e co-

oer$ti,e 'ociet4 *$' $% imort$%t role to l$4 $' mo't 'uit$ble medium or t*e

democr$ti$tio% o eco%omic l$%%i%& +t ro,ide' t*e loc$l u%it 8*ic* c$% ulill

t*e du$l u%ctio% o educ$ti%& ublic oi%io% i% $,or o $ l$% $%d o

e6ecuti%&+%$ctK co-oer$ti,e mo,eme%t i' or t*e b$'i' o l$%%ed &ro8t* $%d

'ocio-eco%omic de,elome%t o t*e m$r&i%$l oor>

+% t*i' eriod %umber o 'ocietie' 8it* diere%t objecti,e' o

eco%omic $cti,itie' 8$' 't$rted u%ctio%i%& #*ere $re t8o m$i% tre%d' o%e i'

$tt$c*ed to t*e rur$l 'ector $%d t*e ot*er i' $tt$c*ed to t*e urb$% 'ector #*e rur$l

tre%d i%clude' rur$l credit5 'ul4 o $&riculture i%ut' 'uc* $'

'eed'5ertilier'5e'ti'ide' $%d i%'ecticide' $%d 'er,ice' 'uorti,e or $&riculture'

$%d K$&ro-b$'ed cott$&e $%d 'm$ll 'c$le i%du'trie'5roce''i%&5'tor$&e5cold'tor$&e

$%d m$r9eti%& u%it' o $&ricultur$l roduce 5d$ir45 $%im$l' *u'b$%dr4 l$bor

co%'tructio%5 ublic di'tributio% '4'tem'

#*e &ro8t* o co-oer$ti,e mo,eme%t *$' &i,e% birt* to

di,er'iic$tio% o $cti,itie' 'uc* $' t*e co-oer$ti,e' *$' $l'o e%tered i%

m$%u$cture o ertilier'K e'ticide' $%d i%'ecticide' to ulill t*e %eed' o t*e

$rmer'5 co%'umer'5 8or9er' $%d l$borer' +t *$' *eled eco%omic de,elome%t

$%d $l'o ro,ided emlo4me%t to t*e rur$l u%emlo4ed eole #*e d$ir4

de,elome%t li9e t*e <ANAND> $%d t*eir mo't oul$r br$%d <AM> *$'

ro,ided t*e 'ocio-eco%omic de,elome%t o t*e rur$l



Poor o +%di$% ?$rmer' i' o''ible t*rou&* co-oer$ti,e mo,eme%t

$t l$r&e 'c$le #*e mo't de,eloed $rt o co-oer$ti,e' i' credit co-oer$ti,e' $%d

it *$' ri'e% to core comete%c4 o +%di$% co-oer$ti,e mo,eme%t #*e i%$%ci%&

'tructure i' b$'ed o% t*ree tier '4'tem-Ae6 co-oer$ti,e B$%9 $t t*e 't$te le,el5

rim$r4 $&riculture credit 'ocietie' $%d urb$% credit 'ocietie' $t t*e rim$r4 &r$''

root le,el $%d t*e ce%tr$l co-oer$ti,e b$%9' $t t*e di'trict le,el $t t*e middle le,el

$%d $ct $' t*e i%termedi$rie' $l'o #*e l$%d de,elome%t b$%9 $l'o *$' t*ree tier

oer$ti%& 'tructure +% 'ome 't$te'5 t*e'e l$%d de,elome%t b$%9' *$,e u%it$r4

'tructure $%d t*eir br$%c*e' $re 're$d $ll o,er t*e 't$te

5.;. PRESENT SCENARIO

#*e Re'er,e B$%9 o +%di$ i' t*e ce%tr$l b$%9 o t*e cou%tr4 e%tru'ted 8it*

mo%et$r4 't$bilit45 t*e m$%$&eme%t o curre%c4 $%d t*e 'uer,i'io% o t*e i%$%ci$l $'

8ell $' t*e $4me%t' '4'tem E't$bli'*ed i% "3!5 it' u%ctio%' $%d ocu' *$,e e,ol,ed i%

re'o%'e to t*e c*$%&i%& eco%omic e%,iro%me%t +t' *i'tor4 i' %ot o%l4 i%tri%'ic$ll4

i%ter8o,e% 8it* t*e eco%omic $%d i%$%ci$l *i'tor4 o t*e cou%tr45 but $l'o &i,e' i%'i&*t'

i%to t*e t*ou&*t roce''e' t*$t *$,e *eled '*$e t*e cou%tr4L' eco%omic olicie'

Re'er,e B$%9 o +%di$ (RB+) '$4' $ b$%9 i' $ b$%95 8*et*er it i' i% t*e ublic 'ector5

ri,$te 'ector or t*e co-oer$ti,e 'ector $' re&ul$tio%' $re $lic$ble to $ll eu$ll4 But

co-oer$ti,e b$%9' $re l$i%l4 u%*$4 $t t*i' eu$l tre$tme%tI

#*e $ll +%di$ cooer$ti,e 8ee9 i' celebr$ted e$c* 4e$r duri%& t*e t*ird 8ee9

o No,ember coi%cidi%& 8it* t*e birt*d$4 o l$te P$%dit @$8$*$rl$l Ne*ru o% t* N/

#*i' 4e$r +%di$ cooer$ti,e mo,eme%t 8$' celebr$ted o% !3rd $ll +%di$ cooer$ti,e 8ee9

rom -20 No,ember5 200 #*e m$i% t*eme o t*e cooer$ti,e 8ee9 i' <&ree%

re,olutio% $%d 'ocioeco%omic ro&r$mme' t*rou&* cooer$ti,e'>

.o-oer$ti,e' *$,e bee% t*e $rt o t*e '4'tem5 'i%ce m$% le$r%t to '*$re

+% co%crete orm5 co-oer$ti,e' *$,e bee% $rt o t*e eco%omic '4'tem or more t*$% 00



4e$r' %o8 A$rt rom t*e ublic $%d ri,$te 'ector'5 t*e4 *$,e bee% l$4i%& $ 'i&%iic$%t

role $%d t*eoretic$ll4 t*ere i' %o better or&$%i$tio%$l orm t*$% t*e cooer$ti,e' #*e4

*$,e bee% reco&%ied $' $ b$l$%ci%& $ctor bet8ee% t*e ublic $%d t*e ri,$te 'ector'

+% t*e re'e%t co%te6t o m$r9et eco%om45 co-oer$ti,e' $re muc* more

rele,$%t t*$% i% t*e>PAS#>+% t*e &lob$lie 8orld5 8*e% t*e olicie' $re more ocu'ed o%

&lob$l m$r9et $%d e,er4t*i%& i' ,ie8ed i% t*e co%te6t o 8ider 'ocio-eco%omic '4'tem5

t*e ,ul%er$ble 'ectio%' o t*e 'ociet4 $re let out

.o-oer$ti,e' $t re'e%t time $re ide$l i%'titutio%$l de,ice or t*e &ro8t*

o ,ul%er$ble $%d m$r&i%$lied 'ectio%' o t*e 'ociet4 #*e4 c$% e%$ble t*e'e &rou' to

'eie oortu%it4 t*ro8% oe% i% t*e &lob$lie eco%om4 #*e N$tio%$l b$%9 o

A&riculture $%d rur$l de,elome%t (NABARD)5 i' t*e 'uer,i'or4 $ut*orit4 or rur$l

cooer$ti,e'5 NABARD 8$' 'et u i% "F2 u%der t*e $e&i' o t*e RB+ or 'uer,i'io%

$%d Rei%$%ce o Rur$l .ooer$ti,e'

#*e ollo8i%& t$ble i' de'cribe' t*e re'e%tl4 cooer$ti,e';

(A## Idi! Le8e#

S.N%. P!"ti9u#!"& N%. O$ C%-%7e"!ti8e&

St$te cooer$ti,e'

b$%9'(S.B)

3

2 Di'trict ce%tr$l cooer$ti,e'

b$%9'(D..B)

3!

3 Prim$r4 $&ricultur$l

'ocietie'

0!73!

Re&io%$l rur$l b$%9' 20

! rb$% cooer$ti,e b$%9' F72

Prim$r4 cooer$ti,e

$&riculture = rur$l

de,elome%t b$%9

7F

NON CREDIT COOPERATIVES

S".N%. P"%9e&&i' 9%-%7e"!ti8e& N%. O$ C%-%7e"!ti8e&



Su&$r cooer$ti,e' 2

2 Si%%i%& cooer$ti,e' 37

2 .o%'umer cooer$ti,e'

2 Di'trict .o%'umer .ooer$ti,e'

22 Prim$r4 .o%'umer Societie'CPA.SCAMPS 2323

3 M$r9eti%& .ooer$ti,e'

3 St$te Seci$l .ommodit4 m$r9eti%& ?eder$tio% 2"

32 Di'trictC.e%tr$l M$r9eti%& Societie' !!

33 Ge%er$l Puro'e Prim$r4 M$r9eti%& Societie' 32

3 Seci$l .ommodit4 M$r9eti%& Societie' !!F!

$%dloomCPo8er loom(+%du'tri$l .ooer$ti,e')

$%dloom .ooer$ti,e'

$)Prim$r4 $%dloom :e$,er'

F3"F

2 Po8er loom .ooer$ti,e'

b) Prim$r4 +%du'tri$l .ooer$ti,e'

3!

! D$ir4 .ooer$ti,e'

Mil9 Producer' Societie'

?i'*er4 .ooer$ti,e'

.e%tr$l ?i'*erme%I' .ooer$ti,e' = Prim$r4

?i'*erme% .ooer$ti,e'

07

7 ou'i%& .ooer$ti,e'

7 Prim$r4 .ooer$ti,e' ou'i%& Societie' 7200

F #ob$cco .ooer$ti,e'

F Prim$r4 #ob$cco Gro8er' .ooer$ti,e' 27

rb$% .o-oer$ti,e B$%9' (.B') $re $% imort$%t $rt o t*e i%$%ci$l

'4'tem i% +%di$ +t i'5 t*ereore5 %ece''$r4 t*$t t*e .B' emer&e $' $ 'ou%d $%d *e$lt*4

%et8or9 o joi%tl4 o8%ed5 democr$tic$ll4 co%trolled5 $%d et*ic$ll4 m$%$&ed b$%9i%&



i%'titutio%' ro,idi%& %eed b$'ed u$lit4 b$%9i%& 'er,ice'5 e''e%ti$ll4 to t*e middle $%d

lo8er middle cl$'' $%d m$r&i%$lied 'ectio%' o t*e 'ociet4



B AIMS < OBJECTIVES OF THE CO-OPERATIVE CREDIT IN

INDIA

.o-oer$ti,e credit i' &uidi%& b4 t*e ri%cile' o mutu$l *el $%d

t*rit $%d i' $ctu$ted b4 t*e 'er,ice r$t*er t*$% roit moti,e Accordi%& to Pro

or$ce Bel'*$85 t*e $im' o co-oer$ti,e credit $re;-

.

#o romote t*rit 'o $' to i%cre$'e t*e 'ul4 o u%d'2 #o dr$8 o% 'ource' out'ide t*e 'ociet43 #o romote t*e eecti,e u'e o lo$%' $%d to reduce t*e ri'9' i% &r$%ti%& lo$% b4

c$reul $%d co%ti%uou' 'uer,i'io% +% co%'eue%ce5 to reduce ri'9 to le%der' $%d to credit co-oer$ti,e b4 $deu$te

'ecurit4! B4 t*i' me$%' $%d b4 lo8 co't o m$%$&eme%t to 9ee t*e co't o credit $' lo8 $'

o''ible #o e%de$,or to m$9e 'ocietie' 'o credit 8ort* t*$t5 t*e4 c$% obt$i% 'uicie%t

u%d' to i%$%ce' ot*er co-oer$ti,e u%der t$9i%&'

9 STRUCTURES AND SPREAD OF UCBS.

+% term' o &eo&r$*ic$l 're$d5 .B' $re u%e,e%l4 di'tributed $cro'' t*e

't$te' ?i,e 't$te' ,i5 M$*$r$'*tr$5 Guj$r$t5 1$r%$t$9$5 A%d*r$ Pr$de'* $%d #$mil N$du

$ccou%t or !23 out o "2 b$%9' t*$t re'e%tl4 comri'e t*e 'ector ?urt*er5 t*e .B'

i% t*e'e 't$te' $ccou%t or $ro6im$tel4 F2H o t*e deo'it' $%d $d,$%ce' o t*e 'ector

$' m$4 be 'ee% rom t*e t$ble belo8;



INDIAN CREDIT CO-OPERATIVE BANKIN/ STRUCTURE

+% $ t$bul$r orm5 t*e co-oer$ti,e credit 'tructure c$% be e6l$i%ed li9e t*i';-

A' de'cribed $bo,e5 t*e 'tructure o t*e credit mo,eme%t t$9e t*e 4r$mid

'*$e ie 't$rti%& rom belo8 8it* rim$r4 'ocietie'5 it &oe' u to t*e $e6 le,el

+% &e%er$l 5 t*e co-oer$ti,e' credit 'tructure i% +%di$ 5 'o $r $' rur$l i%$%ce i'

co%cer%ed 5 co%'i't' o t8o 8i%&' o%e de$li%& i% '*ort term $%d medium term credit $%d

t*e ot*er i% lo%& term credit #*e '*ort-term $%d medium term credit 'tructure i' $ t*reetire o%e #*$t i' 't$te co-oer$ti,e b$%9C di'trict ce%tr$lCco-oer$ti,e b$%9CD..BCrim$r4

'ocietie'CPA.S

#*e rim$r4 $&riculture credit 'ocietie' $t t*e ,ill$&e le,el orm t*e b$'e

+t i' o% t*i'5 t*$t t*e 8*ole ediice o co-oer$ti,e credit i' b$'ed t*e4 eder$te i%to

di'trict ce%tr$l co-oer$ti,e b$%9 u'u$ll4 $t t*e di'trict le,el At t*e 't$te t*e'e $re

eder$ted i%to $% $e6 b$%9 'er,i%& t*e e%tire 't$te #*e $e6 b$%9 i% it' tur% 8$' clo'el4

li%9ed 8it* t*e re'er,e b$%9 o +%di$ $%d 8it* N$tio%$l B$%9 or A&ricultur$l $%d rur$l

de,elome%t (NABARD) 'i%ce @ul4 "F25 8*ic* ro,ide' $mo%& ot*er'5 co%'ider$ble

i%$%ci$l $''i't$%ce to $&riculture t*rou&* t*e 't$te co-oer$ti,e b$%9'5 di'trict ce%tr$l co-oer$ti,e b$%9' $%d rim$r4 'ocietie'

Co-operative CreditShort & Mediu Ter Credit throu!h

State Co-op. Ba"#$ i" Ea%h State

o"! Ter Credit throu!h Ce"tra'

a"d Mort!a!e Ba"#

Ce"tra' Co-op. Ba"#$ at (i$tri%t

eve')riar* a"d Mort!a!e Ba"#$

)riar* Credit So%ietie$ i" the+i''a!e$



#*e lo%& term credit 'tructure co%'i't' o t8o tire' #*ere $re rim$r4 l$%d

de,elome%t b$%9' $t t*e b$'eC&e%er$ll4 $t t$l9Cbloc9 le,el $%d ce%tr$l l$%d de,elome%t

b$%9' $t t*e 't$te le,el #*e lo%& term credit i' ro,ided b4 ce%tr$l l$%d de,elome%t

b$%9 or e$c* 't$te o $e6 le,el #*e $e6 b$%9 oer$te' t*rou&* rim$r4 l$%d

de,elome%t b$%9' $%d 8*ere rim$r4 l$%d de,elome%t b$%9' do %ot e6i't5 it oer$te'

t*rou&* rim$r4 $%d de,elome%t b$%9' $%d 8*ere rim$r4 l$%d de,elome%t b$%9' do

%ot e6i't5 it oer$te' t*rou&* it' o8% br$%c*e' or di'trict ce%tr$l co-oer$ti,e b$%9'



#*e det$il 'tructure o co-oer$ti,e credit i% +%di$ i' i% t*e ollo8i%& 8$4;

BRIEF HISTORY OF URBAN COOPERATIVE BANKS IN INDIA

Co-op. %redit

$tru%ture

A!ri%u'tura' %redit

$o%ietie$

,o"-a!ri%u'tura'

Credit So%ietie$

Short-ter &

Mediu-Tero"! - ter

I"du$tria' Co-op.Ba"#

State Co-op. Ba"#$

State-Co-op. Ba"#

Ce"tra' Co-op. Ba"#

)riar*

A!ri%u'tura' Credit

So%ietie$

Grai" Ba"#

Ce"tra' 'a"d

ort!a!e(eve'op

e"t a"#$

)riar* a"dMort!a!e(eve'op

e"t Ba"#

Ce"tra' I"du$tria'

Ba"#$

)riar* ,o"-a!ri%u'tura' Credit

So%ietie$

/ra" Co-

operative Ba"#$

Ep'o*er0$ Co-op.Credit So%ietie$

Ce"tra' Co-op.

Ba"#$



#*e term rb$% .o-oer$ti,e B$%9' (.B')5 t*ou&* %ot orm$ll4 dei%ed5

reer' to rim$r4 cooer$ti,e b$%9' loc$ted i% urb$% $%d 'emi-urb$% $re$' #*e'e b$%9'5

till ""5 8ere $llo8ed to le%d mo%e4 o%l4 or %o%-$&ricultur$l uro'e' #*i' di'ti%ctio%

doe' %ot *old tod$4 #*e'e b$%9' 8ere tr$ditio%$ll4 ce%tered o% commu%itie'5 loc$litie'

8or9 l$ce &rou' #*e4 e''e%ti$ll4 le%t to 'm$ll borro8er' $%d bu'i%e''e' #od$45 t*eir 'coe o oer$tio%' *$' 8ide%ed co%'ider$bl4

#*e ori&i%' o t*e urb$% cooer$ti,e b$%9i%& mo,eme%t i% +%di$ c$% be

tr$ced to t*e clo'e o %i%etee%t* ce%tur4 8*e%5 i%'ired b4 t*e 'ucce'' o t*e e6erime%t'

rel$ted to t*e cooer$ti,e mo,eme%t i% Brit$i% $%d t*e cooer$ti,e credit mo,eme%t i%

Germ$%4 'uc* 'ocietie' 8ere 'et u i% +%di$ .ooer$ti,e 'ocietie' $re b$'ed o% t*e ri%cile' o cooer$tio%5 - mutu$l *el5 democr$tic deci'io% m$9i%& $%d oe%

member'*i .ooer$ti,e' rere'e%ted $ %e8 $%d $lter%$ti,e $ro$c* to or&$%i$tio% $'

$&$i%'t roriet$r4 irm'5 $rt%er'*i irm' $%d joi%t 'toc9 com$%ie' 8*ic* rere'e%t t*e

domi%$%t orm o commerci$l or&$%i$tio%

THE BE/INNIN/S

#*e ir't 9%o8% mutu$l $id 'ociet4 i% +%di$ 8$' rob$bl4 t*e A%4o%4$

S$*$9$ri M$%d$liI or&$%ied i% t*e er't8*ile ri%cel4 St$te o B$rod$ i% FF" u%der t*e

&uid$%ce o it*$l $6m$% $l'o 9%o8% $' B*$u'$*eb 1$,t*e9$r rb$% co-oer$ti,e

credit 'ocietie'5 i% t*eir orm$ti,e *$'e c$me to be or&$%ied o% $ commu%it4 b$'i' to

meet t*e co%'umtio% orie%ted credit %eed' o t*eir member'

S$l$r4 e$r%er'I 'ocietie' i%culc$ti%& *$bit' o t*rit $%d 'el *el l$4ed

$ 'i&%iic$%t role i% oul$rii%& t*e mo,eme%t5 e'eci$ll4 $mo%&'t t*e middle cl$'' $'

8ell $' or&$%ied l$bor ?rom it' ori&i%' t*e% to tod$45 t*e t*ru't o .B'5 *i'toric$ll45

$' bee% to mobilie '$,i%&' rom t*e middle $%d lo8 i%come urb$% &rou' $%d ur,e4

credit to t*eir member' - m$%4 o 8*ic* belo%&ed to 8e$9er 'ectio%'



#*e e%$ctme%t o .ooer$ti,e .redit Societie' Act5 "05 *o8e,er5 &$,e

t*e re$l imetu' to t*e mo,eme%t #*e ir't urb$% cooer$ti,e credit 'ociet4 8$'

re&i'tered i% .$%jee,$r$m (1$%ji,$r$m) i% t*e er't8*ile M$dr$' ro,i%ce i% /ctober5

"0 Amo%&'t t*e romi%e%t credit 'ocietie' 8ere t*e Pio%eer rb$% i% Bomb$4

(No,ember 5 "0!)5 t*e No Milit$r4 Accou%t' Mutu$l el .o-oer$ti,e .redit

Societ4 i% Poo%$ (@$%u$r4 "5 "0) .o'mo' i% Poo%$ (@$%u$r4 F5 "0)5 Go9$9 rb$%

(?ebru$r4 !5 "0) $%d Bel&$um Pio%eer (?ebru$r4 235 "0) i% t*e Bel&$um di'trict5

t*e 1$%$9$,li-M$t* .o-oer$ti,e .redit Societ4 $%d t*e $r$,$de :e$,er'I rb$% .redit

Societ4 (M$rc* 35 "0) i% t*e Sout* R$t%$&iri (%o8 Si%d*udur&) di'trict #*e mo't

romi%e%t $mo%&'t t*e e$rl4 credit 'ocietie' 8$' t*e Bomb$4 rb$% .o-oer$ti,e .redit

Societ45 'o%'ored b4 it*$ld$' #*$c9er'e4 $%d $llub*$i S$m$ld$' e't$bli'*ed o%

@$%u$r4 235 "0

#*e .ooer$ti,e .redit Societie' Act5 "0 8$' $me%ded i% "25 8it* $

,ie8 to bro$d b$'i%& it to e%$ble or&$%i$tio% o %o%-credit 'ocietie' #*e M$cl$&$%

.ommittee o "! 8$' $oi%ted to re,ie8 t*eir erorm$%ce $%d 'u&&e't me$'ure' or

'tre%&t*e%i%& t*em #*e committee ob'er,ed t*$t 'uc* i%'titutio%' 8ere emi%e%tl4 'uited

to c$ter to t*e %eed' o t*e lo8er $%d middle i%come 'tr$t$ o 'ociet4 $%d 8ould i%culc$te

t*e ri%cile' o b$%9i%& $mo%&'t t*e middle cl$''e'

#*e committee $l'o elt t*$t t*e urb$% cooer$ti,e credit mo,eme%t 8$'

more ,i$ble t*$% $&ricultur$l credit 'ocietie' #*e recomme%d$tio%' o t*e .ommittee

8e%t $ lo%& 8$4 i% e't$bli'*i%& t*e urb$% cooer$ti,e credit mo,eme%t i% it' o8% ri&*t

+% t*e re'e%t d$4 co%te6t5 it i' o i%tere't to rec$ll t*$t duri%& t*e b$%9i%& cri'i' o "3-

5 8*e% %o e8er t*$% !7 joi%t 'toc9 b$%9' coll$'ed5 t*ere 8$' $ t*ere 8$' $ li&*t o

deo'it' rom joi%t 'toc9 b$%9' to cooer$ti,e urb$% b$%9'



#*ere 8$' t*e &e%er$l re$li$tio% t*$t urb$% b$%9' *$,e $% imort$%t role

to l$4 i% eco%omic co%'tructio% #*e +%di$% .e%tr$l B$%9i%& E%uir4 .ommittee ("3)

elt t*$t urb$% b$%9' *$,e $ dut4 to *el t*e 'm$ll bu'i%e'' $%d middle cl$'' eole #*e

Me*t$-B*$%'$li .ommittee ("3")5 recomme%ded t*$t t*o'e 'ocietie' 8*ic* *$d ulilled

t*e criteri$ o b$%9i%& '*ould be $llo8ed to 8or9 $' b$%9' $%d recomme%ded $%A''oci$tio% or t*e'e b$%9' #*e .o-oer$ti,e Pl$%%i%& .ommittee (") 8e%t o%

record to '$4 t*$t urb$% b$%9' *$,e bee% t*e be't $&e%cie' or 'm$ll eole i% 8*om @oi%t

'toc9 b$%9' $re %ot &e%er$ll4 i%tere'ted

#*e ir't 'tud4 o rb$% .o-oer$ti,e B$%9' 8$' t$9e% u b4 RB+ i% t*e

4e$r "!F-!" #*e Reort ubli'*ed i% " $c9%o8led&ed t*e 8ide're$d $%di%$%ci$ll4 'ou%d r$me8or9 o urb$% co-oer$ti,e b$%9'K em*$'ied t*e %eed to

e't$bli'* rim$r4 urb$% cooer$ti,e b$%9' i% %e8 ce%ter' $%d 'u&&e'ted t*$t St$te

Go,er%me%t' le%d $cti,e 'uort to t*eir de,elome%t +% "35 $rde .ommittee

recomme%ded t*$t 'uc* b$%9' '*ould be or&$%ied $t $ll rb$% .e%tre' 8it* $ oul$tio%

o l$9* or more $%d %ot b4 $%4 'i%&le commu%it4 or c$'te #*e committee i%troduced

t*e co%cet o mi%imum c$it$l reuireme%t $%d t*e criteri$ o oul$tio% or dei%i%&

t*e urb$% ce%tre 8*ere .B' 8ere i%coror$ted

DUALITY OF CONTROL

o8e,er5 co%cer%' re&$rdi%& t*e roe''io%$li'm o urb$% cooer$ti,e

b$%9' &$,e ri'e to t*e ,ie8 t*$t t*e4 '*ould be better re&ul$ted $r&e cooer$ti,e b$%9'

8it* $id-u '*$re c$it$l $%d re'er,e' o R' l$9* 8ere brou&*t u%der t*e re,ie8 o

t*e B$%9i%& Re&ul$tio% Act "" 8it* eect rom 't M$rc*5 " $%d 8it*i% t*e $mbit

o t*e Re'er,e B$%9I' 'uer,i'io% #*i' m$r9ed t*e be&i%%i%& o $% er$ o du$lit4 o

co%trol o,er t*e'e b$%9' B$%9i%& rel$ted u%ctio%' (,i lice%'i%&5 $re$ o oer$tio%'5

i%tere't r$te' etc) 8ere to be &o,er%ed b4 RB+ $%d re&i'tr$tio%5 m$%$&eme%t5 $udit $%d

liuid$tio%5 etc &o,er%ed b4 St$te Go,er%me%t' $' er t*e ro,i'io%' o re'ecti,e St$te

Act' +% "F5 .BS 8ere e6te%ded t*e be%eit' o Deo'it +%'ur$%ce



#*e $te :or9i%& Grou ("F) de'ired better utili$tio% o b$%9'L 'urlu'

u%d' $%d t*$t t*e erce%t$&e o t*e .$'* Re'er,e R$tio (.RR) = t*e St$tutor4 iuidit4

R$tio (SR) o t*e'e b$%9' '*ould be brou&*t $t $r 8it* commerci$l b$%9'5 i% $ *$'ed

m$%%er :*ile t*e M$r$t*e .ommittee (""2) redei%ed t*e ,i$bilit4 %orm' $%d u'*ered

i% t*e er$ o liber$li$tio%5 t*e M$d*$,$ R$o .ommittee (""") ocu'ed o% co%'olid$tio%5co%trol o 'ic9%e''5 better roe''io%$l 't$%d$rd' i% urb$% co-oer$ti,e b$%9' $%d 'ou&*t

to $li&% t*e urb$% b$%9i%& mo,eme%t 8it* commerci$l b$%9'

A e$ture o t*e urb$% b$%9i%& mo,eme%t *$' bee% it' *etero&e%eou'

c*$r$cter $%d it' u%e,e% &eo&r$*ic$l 're$d 8it* mo't b$%9' co%ce%tr$ted i% t*e 't$te'

o Guj$r$t5 1$r%$t$9$5 M$*$r$'*tr$5 $%d #$mil N$du :*ile mo't b$%9' $re u%it b$%9'

8it*out $%4 br$%c* %et8or95 'ome o t*e l$r&e b$%9' *$,e e't$bli'*ed t*eir re'e%ce i%

m$%4 't$te' 8*e% $t t*eir be*e't multi-'t$te b$%9i%& 8$' $llo8ed i% "F! Some o t*e'e

b$%9' $re $l'o Aut*oried De$ler' i% ?orei&% E6c*$%&e

RECENT DEVELOPMENTS

/,er t*e 4e$r'5 rim$r4 (urb$%) cooer$ti,e b$%9' *$,e re&i'tered $

'i&%iic$%t &ro8t* i% %umber5 'ie $%d ,olume o bu'i%e'' *$%dled A' o% 3't M$rc*5

2003 t*ere 8ere 250 .B' o 8*ic* ! 8ere 'c*eduled b$%9' About 7" erce%t o

t*e'e $re loc$ted i% i,e 't$te'5 - A%d*r$ Pr$de'*5 Guj$r$t5 1$r%$t$9$5 M$*$r$'*tr$ $%d

#$mil N$du Rece%tl4 t*e roblem' $ced b4 $ e8 l$r&e .B' *$,e *i&*li&*ted 'ome o

t*e diicultie' t*e'e b$%9' $ce $%d olic4 e%de$,or' $re &e$red to co%'olid$ti%& $%d

'tre%&t*e%i%& t*i' 'ector $% /%l4 $ e8 o +%di$I' o,er 25000 urb$% co-oer$ti,e b$%9'

tod$4 t$9e ride i% cre$ti%& b$%9i%& *$bit' $mo%& t*e lo8er $%d middle-i%come &rou'

#*eoretic$ll45 t*e'e b$%9' $re o'itio%ed to be re'o%'i,e to t*e credit

%eed' o t*e oor But $ 'erie' o e,e%t' 't$rti%& 8it* t*e crumbli%& o t*e M$d*$,ur$



Merc$%tile .o-oer$ti,e B$%95 ollo8ed b4 $ R' 70-crore bullio% 'c$m $%d $ &ilt' 'c$m

8*ic* i%,ol,ed *u%dred' o crore' o ruee' roc9ed t*e i%du'tr4 $%d 'eriou'l4 de%ted

it' credibilit4 #*e RB+ *$' bee% ti&*te%i%& urb$% co-oer$ti,e b$%9 re&ul$tio%' to rotect

deo'itor'I i%tere't' But urb$% co-oer$ti,e b$%9'5 8*ic* *$,e $ collecti,e deo'it b$'e

o clo'e to R' 005000 crore $%d $d,$%ce' o $rou%d R' 705000 crore5 $re %ot re$d4 tot*ro8 i% t*e to8el 8it*out $ i&*t B$c9ed b4 olitici$%'5 t*e'e b$%9' $re &$%&i%& u $'

t*e4 eel t*$t t*eir democr$tic ri&*t' *$,e bee% tr$mled uo%

No%-'c*eduled urb$% co-oer$ti,e b$%9' *$,e bee% $llo8ed to l$ce

deo'it' 8it* 'tro%& 'c*eduled urb$% co-oer$ti,e b$%9'K &old lo$%' $%d 'm$ll lo$%' *$,e

bee% e6emted rom t*e "0-d$4 %orm or reco&%itio% o lo$% im$irme%tK $%d t*e ceili%&

o% cert$i% c$te&orie' o riorit4 'ector $d,$%ce' (lo$%' to roe''io%$l' $%d 'el-emlo4ed

$%d t*e ret$il tr$de) *$' bee% r$i'ed +mro,i%& &o,er%$%ce #*e ce%tr$l b$%9 $l'o

'cr$ed t*e <8e$9> $%d <'ic9> t$&' or cl$''i4i%& i%$%ci$ll4 u%'ou%d urb$% co-

oer$ti,e b$%9' # t*e RB+ b$%%ed urb$% co-oer$ti,e b$%9' rom &r$%ti%& lo$%' $%d

$d,$%ce' (bot* 'ecured $%d u%'ecured) to director'5 t*eir rel$ti,e' $%d t*eir irm' #*e%5

it ro*ibited t*e decl$r$tio% o di,ide%d' b4 b$%9' %ot cl$''iied $' Gr$de + t*e4 $re %o8

cl$''iied i%to our &r$de' +5 ++5 +++5 +

#*e RB+I' co%te%tio% i' t*$t urb$% co-oer$ti,e b$%9' te%d to di'tribute

di,ide%d' t*$t $re *i&*er t*$% 8*$t could be co%'idered rude%t5 &i,e% t*eir 8e$9

i%$%ci$l o'itio% #r$ditio%$ll45 urb$% co-oer$ti,e b$%9' u'e t*e lure o di,ide%d' to

$u&me%t t*eir c$it$l b$'e $%d t*e $4 out c$% ,$r4 rom ! er ce%t to !0 er ce%t

rb$% co-oer$ti,e b$%9' 8ill be $llo8ed to $oi%t $ $rt-time c*$irm$%

or c*ie e6ecuti,e oicer o%l4 8it* RB+ $ro,$l #*e RB+ c$% $l'o remo,e m$%$&eri$l

$%d ot*er er'o%%el rom oice i% t*e ublic i%tere't or to re,e%t t*e $$ir' o t*e



b$%9i%& com$%4 bei%& co%ducted i% $ m$%%er detrime%t$l to deo'itor'I i%tere't +t 8ill

*$,e o8er' to imo'e $ e%$lt4 o u to R' ! crore or i,e time' t*e $mou%t i%,ol,ed i%

'uc* co%tr$,e%tio%5 8*ic*e,er i' *i&*er #*e mi%imum $id-u c$it$l $%d re'er,e' $re to

be e%*$%ced b4 2! time' rom R' l$9* %o8 ?i%$ll45 %o b$%9i%& com$%4 or b$%9i%&

co-oer$ti,e 'ociet4 8ill be $llo8ed to $4 di,ide%d o% it' '*$re' u%til $ll it' c$it$liede6e%'e' *$,e bee% comletel4 8ritte% o

REPORTS OF THE BANK

#*e B$%9 ubli'*e' t8o 't$tutor4 reort'5 t*e A%%u$l Reort o t*e B$%9 $%d t*e Reort o% #re%d $%d Pro&re'' o B$%9i%& i% +%di$ #*e'e reort' $lo%& 8it* t*e

Reort o% .urre%c4 $%d ?i%$%ce $re docume%t' t*$t %ot o%l4 rel$te to t*e B$%9L'

oer$tio%' duri%& $ &i,e% 4e$r but $l'o relect eco%omic e,e%t'5 m$tter' rel$ted to

b$%9i%& $%d olic4 rel$ted to t*e i%$%ci$l 'ector $%d i% $ bro$der 8$4 t*e milieu o t*e

time' #*e45 t*u'5 co%'titute $% imort$%t 'ource m$teri$l rel$ti%& to +%di$L' i%$%ci$l $%d

eco%omic *i'tor4



PROFILE OF THE URBAN COOPERATIVE BANK

+% urt*er$%ce to t*e de,elome%t o t*e co-oer$ti,e mo,eme%t i% t*e

di'trict5 t*e %eed or e't$bli'*me%t o 'e$r$te m$c*i%er4 or t*e di'tributio% o i%$%ce'

i% t*e rur$l $re$' 8$' elt ,i&orou'l4 $%d *e%ce t*e di'trict ce%tr$l co-oer$ti,e b$%9'

c$me i%to e6i'te%ce $' $ ce%tr$l i%$%ce $&e%c4 to meet t*e i%$%ci$l reuireme%t o t*e

,$riou' cooer$ti,e' i% t*e di'trict #*e urb$% co-oe B$%9 c$me i%to e6i'te%ce o% @$%

35 "" $%d 8or9i%& 't$rted o% /ct 25 ""2

5. AREA OF OPERATION

B$%9 i' e6te%ded o,erB$reill4 di'trict De'ite t*e $ct t*$t t*ere i' 'ti cometitio% rom t*e %$tio%$lied $%d RBAN ./-/PERA#+E B$%9'5 8*ic* *$,e

$irl4 l$r&e %et8or9 i% t*e di'trict5 but t*e b$%9 *$' m$i%t$i%ed it' bu'i%e'' '*$re i%

t*e di'trict $%d e,e% $t i%du'tr4 le,el

Si%ce l$'t 37 4e$r' t*e b$%9 i' re%deri%& rem$r9$ble 'er,ice' i% it'

member' $%d deo'itor' A' $ ce%tr$l i%$%ci%& $&e%c4 i% t*e di'trict5 t*e di'trict co-oe'

B$%9 l$torm o% 8*ic* t*e co-oe Societie' i% t*e di'trict u'e to m$i%t$i% t*eir re'er,e

u%d deo'it' $%d ot*er'5 be'ide' 8*ic* t*e SR i%,e'tme%t' i% t*e orm o deo'it' $re

bei%& 9et 8it* t*e RBAN ./-/PERA#+E B$%9'

A di'trict cooer$ti,e B$%9 i' $ eder$l 'ociet4 o $ll rim$r4 'ocietie'

i% t*e di'trict #*i' b$%9 ro,ide' i%$%ci$l $ccommod$tio% to ,ill$&e rim$rie' 8*ic*

reuire i%$%ce or ro,idi%& it urt*er to t*eir member' #*e di'trict cooer$ti,e B$%9

ulill' t*e %eed' o it' member 'ocietie' #*e ./PB l$4 $ &re$t role i% t*e

de,elome%t o $&riculture credit cooer$ti,e' $%d ot*er t4e' o 'ocietie' i% t*e di'trict

+t 'er,ice' $' co%%ecti%& li%9 bet8ee% t*e 't$te cooer$ti,e B$%9 $%d rim$r4 co-oe

.redit 'ocietie' $' + *$,e me%tio%ed $bo,e #*e4 $ct $' b$l$%ci%& ce%ter' b4 tr$%'erri%&

t*e u%d' o t*o'e 'ocietie' 8*ic* *$,e $ 'urlu' to ot*er 8it* $ '*ort$&e o u%d



#*u' t*e di'trict ce%tr$l co-oe B$%9 occuie' $ o'itio% o c$rdi%$l

imort$%ce i% t*e cooer$ti,e .redit 'tructure #*e 'ucce'' o t*e co-oer$ti,e credit

mo,eme%t l$r&el4 dee%d' uo% t*eir i%$%ci$l 'tre%&t* +% ,ie8 o t*i' de,elome%t $%d

'ucce'' o t*e'e b$%9' c$% l$4 $ &re$t role i% t*e romotio% o t*e i%$%t cooer$ti,e

). BRANCH

At re'e%t t*e b$%9 *$' ! br$%c*e' $%d o%e *e$d oice

;. BANK OPERATIONS

All br$%c*e' $re 8or9i%& i% t*e mor%i%& $%d o%l4 3 br$%c*e' $re

8or9i%& e,e%i%& 'e''io%' B$%9 $im' to de,elo our di'trict $%d imro,ed 'm$ll

i%du'tr4 $%d 'ocietie' #*e 'c*edule o cu'tomer 'er,ice i' ollo8i%& belo8;

S".N%. B"!90 Add"e&& < P0%e N%. Se"8i9e time

Prem N$&$r M$c*e%e$r Ro$d5 Ne$r #*$$%$ Prem%$&$r5B$reill4 F;00 $m #o ";00 m

2 .BG$%j AI Bloc95 Dee%d4$l Pur$m5Del$eer Ro$d5B$reill4 ";00$m #o !;00 m

3 .i,il i%e' F75 .i,il i%e'5 P$tel .*o895 B$reill4 2;00 m to F;00 m

S*4$m$&$%j !5 +% ?ro%t / Merc*$%A''oci$tio%5B$reill4 0;00 $m #o ;00 m

! N$b$b&$%j Oil$ P$%c*$4$t M$r9et5 N$b$b&$%j5 B$reill4 0;00 $m #o !;00 m

=. HEAD OFFICE

>AI Bloc95 Dee%d4$l Pur$m5 Pilib*it Ro$d5 B$reill4

? ADMINISTRATIVE SET UP



A& o% 3't m$rc* 200F t*e rb$% .o-oer$ti,e B$%9 *$' 't$ 'tre%&t* i' F!

#*e or&$%i$tio%$l c*$rt o *ier$rc*4 i' 't$ted belo8;

Ge"era' od*

Board o dire%tor

Chaira"

G.M.Se%retar*

Bra"%h a"a!er

2u"ior o%er

C'er#%a$hier

@ MEMBERSHIP

#*e co%'titutio% o t*e b$%9 i' o $ mi6ed t4e co%'i'ti%& o bot*

i%di,idu$l' $%d co-oer$ti,e 'ocietie' $' member' o8e,er5 $' $d,i'ed b4 t*e co-

oer$ti,e de$rtme%t i%di,idu$l member'*i o t*e b$%9 *$' bee% di'cour$&ed /% 3-3-

2005 t*e b$%9 *$' $% $ili$ted member'*i 8it* ollo8i%& $rticul$r';

• .o-oe 'ocietie' 0

• +%di,idu$l 0

#ot$l !

+ MANA/EMENT



M$%$&eme%t i' co%'i'ti%& o Bo$rd o Director' $%d B$%9I' member'

#*e'e $re ollo8i%&;-

A) BOARD OF DIRECTORS

#*ere i' o%l4 o%e c*$irm$%5 SmtSob*$&4$ G$%&8$r #*e m$%$&eme%t

o t*e b$%9 i' ,e'ted i% t*e bo$rd o director' co%'i'ti%& o 3 member' #*e como'itio%

o t*e bo$rd o director' o t*e b$%9 i' $' u%der;

S.N%. P!"ti9u#!"& T%t!# %. %$

"e7"e&et!ti8e& S$d*$%$ co-oe 'ocietie' !

2 #*e ot*er t4e' o co-oe Societie' !

3 /%e rere'e%t$ti,e or t*e member'-

j$%$t$ cooer$ti,e SSociet4

Re'er,e 'e$t' or 8ome% 2

#ot$l 3

+t c$% be 'ee% rom t*e $bo,e como'itio% t*$t t*e rere'e%t$tio% i'

$irl4 comre*e%'i,e Some o t*e o8er' o t*e bo$rd $re dele&$ted to e6ecuti,e

committee $%d ot*er 'ub-committee or 'moot* 8or9i%& o t*e b$%9

B) NUMBER OF MEMBERS

#*e %umber o member' i% 200F i' !730

F WORKIN/ CAPITAL

A' t$ble 3 i%dic$te'5 t*e m$jor como%e%t o 8or9i%& c$it$l i' deo'it

ollo8ed b4 borro8i%&' #*e rel$ti,e '*$re o deo'it' to 8or9i%& c$it$l (deo'it) i'

i%cre$'ed b4 !330H i% 200!-0 to 3H i% 2007-0F :*ile t*e rel$ti,e '*$re o



borro8i%&' i' rom 2"H i% 200!-0 to 72FH i% 2007-0F5 8*ic* '*o8' t*e b$%9 *$'

bee% i%cre$'ed our o8% 'ource' $%d deo'it'

.o%cer%i%& t*e '*$re o o8%ed u%d to 8or9i%& c$it$l 8$' e%cour$&i%& +t reuired to beurt*er 'tre%&t*e%ed t*e o8%ed u%d $%d decre$'i%& borro8i%&' more $%d more #*e

c$it$l $deu$c4 r$tio o t*e b$%9 $l'o '*o8' t*$t it *$' i%'uicie%t $mou%t o

c$it$lCo8% u%dC$' it com$red to ri'9 8ei&*ted $''et' A' o% m$rc* 35 2007-0F t*e

b$%9 *$' t*e ollo8i%& $''et' i% it' b$l$%ce '*eet

(R&. I #!10&

Item Am%ut Ri&1

6!m%ut

5.9!&0 i 0!d*

33702 0H

).b!1 b!#!9e* 30"7" 0H

;.#%!&%ut&t!di'

5)=55.5@

2 00H

=.i8e&tmet(i &t!te

C%%7. b!1)).)=

27F00 FH

T%t!# F7F2

/8%ed u%dC'*$re c$it$l ree re'er,e buildi%& u%d $ccumul$ted lo''e' i'

35""" #*ereore5 t*e c$it$l $deu$c4 r$tio (.AR) 8*ic* i' t*e r$tio o o8%ed u%d to

ri'9 8ei&*ted $''et' o t*e b$%9 A' er t*e b$%9 re&ul$tio% e,er4 b$%9 '*ould m$i%t$i%

"H c$it$l reuireme%t

" INVESTMENTS



#*e tot$l i%,e'tme%t' co%'i'ti%& o SR $%d %o%-i%,e'tme%t' *$,e

re$c*ed u to R' 0300 l$9*' #*e b$%9 *$' m$de i%,e'tme%t 8it* t*e $e6 B$%95

SB+5 B$reill4 de,elome%t $ut*orit45 *ou'i%& i%$%ceK co- oer$ti,e tru'tee 'ecuritie' $%d

'*$re' o co-oer$ti,e 'ocietie'

INVESTMENT

(s. In la!%s'

P!"ti9u#!"& ;5.*;.*@ ;5.*;.*+ ;5.*;.*

NABARD Bo%d'

Ae6 B$%9

.ommerci$l B$%9

.o-oer$ti,e /r&$%i$tio%$l S*$re

3! 3F" 0300

2300 27"0! 3!"

3455.6

3748.7

6

3374.7

6

9847.4

5

347.6

8

:864.4

7

VISION MISSION OBJECTIVES AND /OALS

VISION

rb$% .o-oer$ti,e B$%9I' ,i'io% i' to be $ 8orld cl$'' +%di$% B$%9

MISSION

#*e b$%9I' mi''io%C$im i'

• #o build 'ou%d cu'tomer r$%c*i'e' $cro'' di'ti%ct bu'i%e''

• #o $c*ie,e *e$lt*4 &ro8t* i% roit$bilit4 co%'i'te%t 8it* t*e b$%9I' ri'9' $etite

OBJECTIVES



#*e rim$r4 objecti,e o rb$% .o-oer$ti,e B$%9 i' to e%*$%ce

re'ide%ti$l *ou'i%& 'toc9 i% t*e cou%tr4 t*rou&* t*e ro,i'io% o *ou'i%& i%$%ce i% $

'4'tem$tic $%d roe''io%$l m$%%er $%d to o8%er'*i A%ot*er objecti,e i' to

+%cre$'e t*e lo8 o re'ource' to t*e *ou'i%& 'ector b4 i%te&r$ti%& t*e *ou'i%& i%$%ce

'e3ctor 8it* t*e o,er$ll dome'tic i%$%ci$l m$r9eter'

OR/ANISATIONAL /OALS;

rb$% .o-oer$ti,e B$%9I' m$i% &o$l' $re to

De,elo clo'e rel$tio%'*i' 8it* i%di,idu$l *ou'e*old'

2 m$i%t$i% it' o'itio% $' t*e remier *ou'i%& i%$%ci$l i%'titutio% i% t*e cou%tr4

3 tr$%'orm ide$' i%to ,i$ble $%d cre$ti,e 'olutio%'

Pro,ide co%'i'te%tl4 *i&* retur%' to '*$re*older'

! #o &ro8 t*rou&* di,er'iic$tio% b4 le,er$&i%& o t*e e6i'ti%& clie%t b$'e



SERVICES OF BANK

5 DEPOSITS OF MONEY

#*e b$%9 *$' t$9e% ,i&orou' eort' to mobilie t*e deo'it' o% $ l$r&e

'c$le #*e dere&ul$tio% o r$te o i%tere't oered o% t*e deo'it' *$' cre$ted co%'ider$ble

cometitio% i% t*e m$r9et i% 'ite o it t*e $c*ie,eme%t i' rem$r9$ble o% t*e $rt o t*e

b$%9 A' o% m$rc* 200F t*e b$%9 *$' 'olicited t*e deo'it' u to R'F2F2! l$9*'

DEPOSIT

(R&. I #!10&

T7e %$ !99%ut ;5.;.*@ ;5.;.*+ ;5.;.*

.urre%t $ccou%t 70 70F FF0

S$,i%& $ccou%t 072 !3033 !7!

Recurri%& $ccou%t 37!2F 3F302 3"70



) WITHDRAWL OF MONEY

rb$% .o-oer$ti,e B$%9 $l'o ro,ide' t*e $cilit4 o 8it*dr$8$l o

mo%e4 $t $%4 time 8*e%e,er reuired to t*e cu'tomer + $ cu'tomer5 8*o *$,e $%4

t4e o $ccou%t li9e '$,i%& $ccou%t5 curre%t $ccou%t or recurri%& $ccou%t5 c$%

8it*dr$8 mo%e4 $ccordi%& to *i'C*er $ccou%t b$l$%ce $%d 'ome b$%9I' rule' o

8it*dr$8 mo%e4 rom $%4 $ccou%t o cu'tomer

; BORROWIN/

#*e rb$% .o-oer$ti,e B$%9 *$' borro8ed rom it' $e6 b$%9 or '*ort

term $%d medium- term lo$% uro'e to meet t*e dem$%d o it' member' A' t$ble 3

i%dic$te' borro8i%& decre$'e' rom R' 3F l$9*' to R' !3F7 l$9*' it i%dic$te'

t*e b$%9 $l'o '*ould i%cre$'e i%ter%$l re'ource' $%d deo'it' it i' ,er4 &ood or b$%9

8or9i%& $%d i%cre$'e o our i%ter%$l re'ource' $%d deo'it'

= LOANS AND ADVANCES

#*e b$%9 *$' re%dered i%$%ci$l $''i't$%ce to t*e rim$r4 $&ricultur$l

credit5 m$r9eti%&5 8e$,er'5 co%'umer5 i%du'tri$l co-oer$ti,e'5 'i%%i%& mill'5 urb$%

credit 'ocietie'5 '$l$r4 e$r%er' 'ocietie' ./PB5 coe Su&$r $ctorie'5 i%di,idu$l'5 i6ed

deo'it' receit'5 co%'umer' dur$ble5 tr$%'ort 'ocietie'5 roject i%$%ce etc t*e b$%9 *$'

m$de $,$il$ble i%$%ce to 'u&$r $ctorie' i% t*e di'trict $%d u%der co%'ortium $rou%d r'

2 l$9*'



? LOCKER FACILITY

Stori%& too muc* je8eller4 $%d ,$lu$ble' i% t*e *ou'e $t time'

become' $ 'ecurit4 i''ue $%d $% imedime%t i% c$'e o %$tur$l c$l$mitie' 'o b$%9 i'

ro,idi%& $ '$e5 tru't8ort*4 '$ce to 'tore 4our ,$lu$ble'5 je8eller45 docume%t' $%d

ot*er t*i%&' de$r to 4ou 'o t*$t $ll cu'tomer' c$% m$9e '$e t*eir je8eller4 $%d $%4

ot*er reciou' t*i%&'

KEY BENEFITS OF LOCKER FACILITY

• St$te-o-t*e-$rt oc9er'5 t*e '$e deo'it ,$ult' 8it* ull4 euied5 l$te't bur&l$r$l$rm '4'tem'

• ?or $dditio%$l '$et45 t*e oc9er *older $''i&%' $ code 8ord 8*ic* urt*er

i%cre$'e' 'ecurit4

• A,$il$ble i% diere%t 'ie' $' er 4our reuireme%t

• #*e'e oc9er' $%d t*eir co%te%t' c$% be %omi%$ted to eole %e$r $%d de$r to

4ou

@ DRAFT < PAYORDER FACILITY

rb$% .o-oer$ti,e B$%9 $l'o ro,ide t*e $cilit4 o m$9i%& dr$t $%d

$4 order o diere%t b$%9' li9e D?.5 SB+5#+5#+ etc #*i' b$%9 ro,ide' t*e $cilit4

o diere%t b$%9' 8it* diere%t commi''io% r$te' o% it M$i%l4 dr$t $re m$de or

/ut'ide t*e cit4 8*ile $4 order $re m$de or e'eci$ll4 loc$l uro'e ie B$reill4 Some

time dr$t' $re $l'o m$de or loc$l uro'e



@ ACCOUNT FACILITY

rb$% .o-oer$ti,e b$%9 ro,ide' t*e $cilit4 o diere%t t4e o $ccou%t' oe%i%& 'o t*$t $ er'o% c$% '$,e *i'C*er mo%e4 $%d $l'o c$% 9ee it '$e i%

t*eir b$%9 $ccou%t or $ lo%& eriod $ccordi%& to *i' de'ire

TYPES OF ACCOUNT

rb$% .o-oer$ti,e b$%9 ro,ide' m$i%l4 t*ree t4e' o $ccou%t

$cilit4 8*ic* $re ollo8i%&;-

• INDIVIDUAL ACCOUNTS2- +%di,idu$l $ccou%t' $re t*e mo't commo%

er'o%$l i%,e'tme%t $ccou%t' #*e mi%imum i%,e'tme%t reuired i' R'

2!05000

• JOINT ACCOUNTS2- @oi%t $ccou%t' $re 'et u b4 more t*$% o%e

er'o% #*e mi%imum i%,e'tme%t reuired i' R' 2!05000

• COMPANY ACCOUNTS2- .oror$te $ccou%t' c$% be oe%ed b4

i%'titutio%'5 com$%ie'5 $rt%er'*i'5 tru't' $%d %o%-roit or&$%i$tio%' A

mi%imum o R' 50005000 i' reuired to oe% $ .om$%4 Accou%t $t

A1D #r$de

• RECURRIN/DAILY DEPOSIT ACCOUNT2- #*e'e $re oe% b4

tr$der' $' 8ell $' &e%er$l cu'tomer bot* 8*o 8$%t to deo'it *i' mo%e4 o%

•

#*e d$il4 b$'i' to '$,e t*eir mo%e4



CHE4UE BOOK ISSUE FACILITY

rb$% .o-oer$ti,e b$%9 $l'o ro,ide t*e $cilit4 o c*eue boo9 i''ueor t*e cu'tomer $ccordi%& to *i' reuireme%t = $ccou%t bot* $%d b$%9 $l'o c*$r&e'

rice or it B$%9 ro,ide' t*ree t4e' o c*eue boo9 ie .urre%t $Cc c*eue boo95

'$,i%& $Cc c*eue boo9 $%d o,erdr$t $Cc c*eue boo9 E,er4 c*eue boo9 *$'

diere%t %umber o le$,e' $ccordi%& to it' t4e' $%d c*$r&e' or e$c* c*eue boo9

$re $l'o diere%t #*u' t*ere $re t*ree t4e' o c*eue boo9' r$e i''ued 8*ic* $re

ollo8i%&;-

.urre%t Accou%t .*eue Boo9 ;-

S$,i%& Accou%t .*eue Boo9

/,erdr$t Accou%t .*eue Boo9

, DEPOSIT SCHEMES

#*e Go,er%me%t *$' i%troduced t*e 'c*eme' to rotect te%$%c4

deo'it' $%d ro,ide $ $irer '4'tem or 'ettli%& di'ute' $bout t*e retur% o $ deo'it

$t t*e e%d o $ te%$%c4.



A ACCOUNT DEPOSIT SCHEME

PENSION SCHEME FOR SENIOR CITIEN

;or

At

'ea$t

8

<ear$

Amount Interest

rates

Annual

Interest

rates

)uarterly

Interest rates

Mont"ly

Interest

rates

1=55=55

5

15.85> 15=855 9=698 76

9=55=55

5

15.8> 91=855 8=38 1=6

3=55=55

5

15.8> 39=985 7=563 9=66:

:=55=55

5

15.8> :3=555 15=85 3=889

8=55=55

5

11.55> 88=555 13=85 :=8:9

S.*

o.

arti!ulars Interest ate

(+'

1. Curre"t A%%ou"t 5.95

9. Savi"! A%%ou"t 3

3. Re%urri"! (epo$it((C?(ai'* (epo$it

A%@

i@:6 da*$ to 45 da*$

ii@41 da*$ to 14 da*$

iii@175 da*$ to 1 *ear or 36: da*$

iv@1 *ear a"d aiu 3 *ear$

v@3 *ear$ a"d aove

8.85>

6.55>

6.98>

.55>

.98>

:. Se"ior Citie"$hip

i@1 *ear a"d aiu e'o 9 *ear$

ii@9 *ear$-3 *ear$

iii@3 *ear$-aove

.85>

.8>

7.98>



15=55=5

55

11.98> 1=19=855 97=198 4=977

18=55=5

55

11.85> 1=9=855 :3=198 1:=934

9 CASH CERTIFICATE SCHEME

F%"

?

Ye!"&

F%" O"di!" Citie (,.+?G

S". N%. Am%ut 60i90

&0%u#d be de7%&it

Am%ut %$ C!&0

Ce"ti$i9!te Wi##"e9ei8e

R' 577 R' 05000

2 R' 305FF! R' !05000

3 R' 5770 R' 5005000

R' 5235!0 R' 25005000

! R' 5F!530 R' 35005000

F%" Sei%" Citie (5*.+?G

R' !5FF R' 05000

2 R' 2"520 R' !05000

3 R' !F5F0 R' 5005000

R' 575F0 R' 25005000

! R' 575!20 R' 35005000



L%!& !d !d8!9e&

P%#i9 7"%9edu"e& !d im7#emet!ti%

#*e co-oer$ti,e b$%9 or di'trict co-oer$ti,e b$%9 bei%& t*e le$der $%d re'er,oir o t*e u%d' o

$ll t*e rim$r4 'ocietie'5 *$' to e%'ure t*$t t*e credit reuireme%t o $ll t*e rim$r4 'ocietie' i%

t*e di'trict $re $deu$tel4 met $%d i% time +t i%$%ce' $&riculture credit 'ocietie' l$r&el4 or

roductio% uro'e M$r9eti%& 'ocietie'5 co%'umer 'ocietie'5 i%du'tri$l 'ocietie' $%d $ll ot*er

t4e' o 'ocietie' e6cet *ou'i%& co-oer$ti,e' or co%ducti%& t*eir %orm$l oer$tio%'

Alt*ou&* t*e co-oer$ti,e b$%9 i' e6ected to meet bot* t*e $&ricultur$l $%d %o%-

$&ricultur$l credit reuireme%t i% t*e di'trict5 t*e ro,i'io% o i%$%ce or $&ricultur$l oer$tio%' i'

t*e m$jor t$'9 8*ere t*e bul9 o t*e $&ricultur$l credit 'ocietie' $re it' $ili$ted 'ocietie' +%

$dditio% to t*$t t*e ot*er m$jor t$'9' o t*e b$%9 to e%'ure t*$t t*e reuireme%t' $re &i,e% to t*e

re$l be%eici$l #*e b$%9 ro,ide' '*ort term $%d medium term lo$%' to it' $ili$teI' 'ocietie'

or $&ricultur$l $%d %o%-$&ricultur$l uro'e $' i *$,e me%tio%ed i% re,iou' $r$&r$*' #*e

'*ort-term lo$%' $re re$4$ble 8it*i% $ eriod o 2 mo%t*' ( 4e$r) #*i' '*ort term lo$%' $re

9%o8% $' roductio% lo$%' +t i' u'ed m$i%l4 or t*e urc*$'e o 'eed'5 m$%ure'5 $%d ertilier'

#*e medium term lo$%' $re $d,$%ced or $ eriod o 3 to ! 4e$r' or u'i%& erm$%e%timro,eme%t o% l$%d 'uc* $' 'i%9i%& o 8ell' $%d le,eli%& etc t*e lo%& term lo$%' $re re$4$ble

8it*i% ! 4e$r' to 7 4e$r' A&ricultur$l roductio% credit de%ote' t*e '*ort-term credit' $re $l'o

c$lled cro lo$%'

POLICY AND PROCEDURE OF THE BANK

#*e olicie' $%d roductio% o t*e ce%tr$l co-o b$%9 $re b4 $%d l$r&e5

re'cribed b4 t*e re'er,e b$%9 o +%di$ (RB+)5 %$tio%$l b$%9 or $&ricultur$l $%d rur$l

de,elome%t (NABARD)5 &o,t $%d 't$te $e6 b$%9 NABARD $%d ot*er i%'titutio%' 8ould

ro,ide %ece''$r4 &uid$%ce $%d t*e b$%9 $dot t*$t lo$% olic4



T0e im7%"t!t t7e& %$ #%!& !d !d8!9e&2

S*ort term lo$%'

2 Medium term lo$%'

3 o%& term lo$%'

A&ricultur$l roductio% credit de%ote' t*e '*ort- term 'tructure i' m$i%l4 or

5. Se$'o%$l $&ricultur$l oer$tio%'

). +%,e'tme%t lo$%' $re &i,e% or eriod u%to ! 4e$r' or ide%tiied roducti,e uro'e'

'uc* $' mil9 c$ttle '*ee5 &o$t ('*out') oultr45 bulloc95 um 'et' $%d oil- e%&i%e'5

&$rb$&e l$%t etc t*e b$%9 rocedure' ollo8ed or '$%ctio%' o '*ort $%d medium term

credit $re $' ollo8'; -

A. SHORT TERM FINANCE

#*e'e lo$%' $re limited or 'e$'o%$l $&ricultur$l oer$tio%' or t*e

eriod u to 2-! mo%t*' $t co%ce''io% r$te o i%tere't $t 3H belo85 t*e b$%9 r$te'

$re '$%ctio%ed b4 't$te co-o b$%9' #*e '*ort-term credit cro lo$%' '4'tem i' $imed

$t r$tio%$lii%& t*e lo$% olic4 o credit co-oer$ti,e' #*e '$lie%t e$ture' o '*ort-

term i% t*e orm o cro lo$%' $' me%tio%ed b4 t*e $ll +%di$ rur$l credit Sur,e4

.ommittee $re $' u%der; -

i. #*e credit reuireme%t' o t*e culti,$tor' $re $''e''ed o% t*e b$'i' o

t*e $,er$&e $%d co't o culti,$tio% o t*e cro &ro8% 'ubject to t*e

re$4i%& c$$cit4

ii .ulti,$tor' $re &i,e% lo$%' 8it* reere%ce to t*eir roductio%

reuireme%t i% c$'* $%d i% 9i%d

iii #*e 'ie o t*e lo$%' i' determi%ed b4 r$tio%$l $''e''me%t o t*e %eed'i% rel$tio% to t*e roductio% $cti,it4

i, #*e lo$%' $re to be re$id out o t*e '$le roduct' o cro

, #*e $d,$%ce' $re &e%er$ll4 co%i%ed to t*e eriod '*ortl4 beore

'o8i%& $%d e%di%& '*ortl4 beore t*e *$r,e't

,i #*e eli&ibilit4 o $ culti,$tor or lo$%' i' t*$t *e '*ould be bo%$ide

culti,$tor $%d i' $ble to re$4 t*e lo$% out o *i' roductio%



!DEPOSI CREDIT FINANCE

+t i' reuired to i%dic$te i% it' credit limit $lic$tio% it' le%di%& ro&r$m %ot

o%l4 i% re'ect o '*ort term $&ricultur$l $d,$%ce' but $l'o medium term $%d %o%- $&ricultur$l

lo$%' e6re''ed i% term' o t*e m$6imum out 't$%di%& li9el4 to be re$c*ed u%der e$c* *e$d

Allo8i%& or $ re$'o%$ble i%cre$'e5 t*e $ccet$ble lo$%i%& ro&r$m i' determi%ed or t*e e%'uri%&

4e$r $%d credit limit to 'uleme%t it' re'ource' o t*e b$%9 $,$il$ble or t*e uro'e Di'trict

ce%tr$l co-o b$%9' 8*o'e o,er due' e6ceed' 0H $re %ot eli&ible or NABARD rei%$%ce

$lt*ou&* 't$te co-o b$%9' m$4 ro,ide t*em 8it* u%d' rom t*eir o8% re'ource' :*ile

'$%ctio%i%& credit limit' or i%$%ci%& 'e$'o%$l $&ricultur$l oer$tio%'

NABARD 'tiul$ted t*$t $ 'eciied erce%t$&e (u'u$ll4 20H) o t*e tot$l

$d,$%ce' i''ued b4 di'trict ce%tr$l co-o b$%9' to $ili$ted 'ocietie' duri%& t*e eriod o t*e 4e$r

comme%ci%& Aril '*ould be e$rm$r9ed or i%di%& 'm$ll eco%omic$ll4 8e$9 $rmer' rim$r4

le,el lo$%i%& rocedure' o $ll PA.S $re b$'ed o% t*e cro lo$% '4'tem o le%di%& $' 'et out i% t*e

m$%u$l i% roductio% orie%ted '4'tem o le%di%& or $&riculture brou&*t out b4 t*e RB+ #*i'

m$%u$l &uide' $%d l$4' do8% t*e 'c$le' o i%$%ce $%d rocedure' to t*e ollo8ed;

b)SCALES OF FINANCE2 - #*e culti,$tor' reuireme%t' o cro lo$%' $re bro$dl4 cl$''iied

i%to 2 c$te&orie'5 t*e'e or e6$mle' (como%e%t $I) $%d t*o'e or urc*$'e o i%ut' 'uc* $'

,$rietie' o 'eed'5 c*emic$l ertilier' etc(como%e%t bI) b$'ed o% t*eir roductio%

reuireme%t #*e 'c$le o i%$%ce to e$c* cro 'o i6ed t*$t t*e roductio% credit %eed' $re

$deu$tel4 met5 8*ile e%'uri%& t*$t t*e credit ro,ide' 8it*i% re$4i%& c$$cit4 o t*e borro8er

9 CONSTITUTION OF TECHNICAL COMMITTEE 2 - #*e 'c$le' o i%$%ce or

diere%t cro' $re to be i6ed b4 'eci$l committee #*e committee co%'i't' o member' dr$8%

rom diere%t de$rtme%t' li9e $&riculture $%d co-oer$tio% Ae6 B$%95 'elected A&ricultur$l

credit 'ocietie' $%d ro&re''i,e $rmer' i% t*e di'trict $%d $&ricultur$l u%i,er'it4 i% t*e 't$te #*e

committee i6e' t*e 'c$le o i%$%ce5 8*ic* comri'e' 'e$'o%$lit4 i% le%di%& $%d reco,er4 o% t*e

b$'e' o d$t$ o co't roductio% $%d &r$'' 4ield er $cre $' ur%i'*ed b4 t*e $&ricultur$l

de$rtme%t



d CREDIT LIMIT STATEMENT2 /% t*e b$'i' o t*e 'c$le' i%$%ce recomme%ded b4 t*e

tec*%ic$l committee 'ubmitted to t*e b$%9 #*e b$%9 t*e% di'cu''e' t*e '$id olic4 $%d

rocedure' i% it' bo$rd o director' meeti%& $%d $ro,$l b4 Ae6 b$%9 /%ce t*e lo$% olic4 $%d

rocedure i' $ro,ed5 t*e deci'io% i' commu%ic$ted to rim$r4 'ocietie' b4 t*e b$%9

#*e% e$c* 'ociet4 i' reuired to re$re $ credit limit 't$teme%t +% order to

i%d out 8*et*er $deu$te $tte%tio% i' bei%& $id b4 t*e 'ociet4 to meet t*e %eed' o 'm$ll

culti,$tor'5 t*e credit limit 't$teme%t i' re$red i% 2 $rt' ,i$ $rt A or 'm$ll $rmer' $%d $rt B

or ot*er' Ater t*e 't$teme%t i' re$red t*e m$%$&i%& committee o t*e 'ociet4 recomme%d' t*e

$mou%t t*$t m$4 be '$%ctio%ed5 to t*e member' +% $rri,i%& $t t*e $mou%t to be $d,$%ced to t*e

'ociet45 t*e b$%9 t$9e' i%to $ccou%t t*e re'ource' o t*e 'ociet4 8*ic* $re ,$lu$ble or le%di%& i%

$ccord$%ce o it' co%cer%i%& de$rtme%t'

B. MEDIUM TERM FINANCE

Medium term credit limit' or t*e $ro,ed uro'e $re $llo8ed b4 t*e b$%9 $'

i6ed i% tec*%ic$l committee 8*ic* $re 8it*i% t*e 'c$le' re'cribed b4 NABARD or $&ricultur$l

$%d $llied uro'e or eriod %ot le'' t*$% ! mo%t*' $%d %ot e6ceedi%& ! 4e$r' A' i% t*e c$'e o

cro lo$%' 'e$r$te credit limit 't$teme%t' or medium te$m reuireme%t o t*e member' $re

re$red $t t*e PA.S le,el t*e uro'e o t*e lo$%' $re m$de b4 t*e b$%9 $re di,er'e $%d i%clude

irri&$tio% 8or9' 'uc* $' di&&i%& o 8ell' 5 i%'t$ll$tio%Crel$ceme%t o um 'et'5 re$ir o t*e

8ell' 5 l$%d de,elome%t 8or9'5 co%'tructio% o re$ir' o $rm *ou'e'5 c$ttle '*ed' etc urc*$'e

o dr$u&*t $%im$l'5 urc*$'e o tr$ctor' $%d ot*er co'tl4 $rm m$c*i%er4 Medium term lo$%' $re

Al'o '$%ctio%ed $' + *$,e $lre$d4 me%tio%ed b4 b$%9' to $&riculture member' o rim$r4

'ocietie' or 'ub'idi$r4 occuier'5 ,i$ urc*$'e o mil9 c$ttle5 oultr4 $rmi%&5 bee9eei%&5 i&

breedi%&5 '*o$tI' (&o$t $%d '*ee) re$ri%& $cti,itie'

#*e lo$%' $re '$%ctio%ed b4 t*e b$%9' $' er t*e %eed o t*e borro8er $&$i%'t

t*e 'ecurit4 o l$%d or o% t*e er'o%$l 'ecurit4 'uorted b4 $%4 t8o 'ol,e%t member' e%di%&

b4 t*e b$%9 or ,$riou' medium term uro'e' $re &e%er$ll4 o $ 'c$ttered t4e 8*ere 'em$%tic

le%di%& i' %ot o''ible #*e b$%9 *$,i%& tot$l o,er due' $t t*e e%d o t*e l$'t 4e$r ormi%& erce%tor $bo,e o t*e tot$l dem$%d or t*e 4e$r $%d t*e'e 8*ic* 8ere %ot '$%ctio%ed $%4 '*ort term



credit limit or i%$%ci%& 'e$'o%$l $&ricultur$l oer$tio%' or $%4 ot*er re$'o% t*em $,$il$bilit4 o

$deu$te re'ource' $re %ot %orm$ll4 co%'idered eli&ible or medium term credit limit' ?urt*er it

i' re'cribed t*$t $ mi%imum o 0H o t*e tot$l medium term $d,$%ce' '*ould *$,e bee% i''ued

or e$'il4 ide%tii$ble roducti,e uro'e' 'uc* $' 'm$ll irri&$tio%5 $&ricultur$l m$c*i%er4 $%d

urc*$'e o oultr4 $rmi%& $%d '*o$t' re$ri%& $cti,itie'

MEDIUM TERM CONVERSION2

#o u%$ble to e%'ure u%i%terruted 'ul4 o borro8er'5 medium- term i%$%ce i'

m$de $,$il$ble rom NABARD to t*e co-oer$ti,e b$%9' b4 8$4 o co%,er'io%$l lo$%' #*e 't$te

co-oer$ti,e b$%9' o% be*$l o t*e di'trict ce%tr$l co-oer$ti,e b$%9' $re &r$%ted medium term

lo$%' i% t*e e,e%t o recurre%ce o %$tur$l c$l$mitie' #*e rei%$%ce o lo$% co%,er'io% comi%&

rom NABARD i' $lmo't 0 erce%t $ected $t PA.S le,el 8*ile t*e co%cer%ed 't$te

&o,er%me%t

A 't$te Ae6 co-oer$ti,e b$%9 $%d di'trict co-oer$ti,e b$%9' $re reuired to

co%tribute !H5 0H $%d 0H re'ecti,el4 ?or t*e l$'t 4e$r'5 t*e b$%9 *$' re%dered i%$%ci$l

$''i't$%ce to rim$r4 $&ricultur$l credit 'ocietie'5 m$r9eti%& 'ocietie'5 urb$% credit 'ocietie'5

8e$,er5 co%'umer 'ocietie' i%du'tri$l co-o 'i%%i%& mill'5 urb$% co-o 'ocietie'5 '$l$r4 e$r%er'

Societie' .o-oer$ti,e 'u&$r $ctorie'5 i%di,idu$l lo$%' $&$i%'t &old or%$me%t' $%d i6ed

deo'it'5 receit' co%'umer dur$ble5 tr$%'ort 'ocietie'5 roject i%$%ce etc t*e tot$l lo$%' $%d

$d,$%ce' out't$%di%& $' M$rc* 200! 8ere R' 773 t*e b$%9 *$' m$de $,$il$ble i%$%ce

to 'u&$r $ctorie' i% t*e di'trict $%d co%'ortium $rou%d R' 2"!320 crore'

3) LON/-TERM LOANS

#*e'e lo$%' $re commo%l4 'et or more t*$% t*ree 4e$r' Mo't $re bet8ee%

t*ree $%d 0 4e$r'5 $%d 'ome ru% or $' lo%& $' 20 4e$r' o%&-term lo$%' $re

coll$ter$lied b4 $ bu'i%e''L' $''et' $%d t4ic$ll4 reuire u$rterl4 or mo%t*l4 $4me%t'

deri,ed rom roit' or c$'* lo8 #*e'e lo$%' u'u$ll4 c$rr4 8ordi%& t*$t limit' t*e



$mou%t o $dditio%$l i%$%ci$l commitme%t' t*e bu'i%e'' m$4 t$9e o% (i%cludi%& ot*er

debt' but $l'o di,ide%d' or ri%ci$l'L '$l$rie')5 $%d t*e4 'ometime' reuire t*$t $ cert$i%

$mou%t o roit be 'et-$'ide to re$4 t*e lo$%

#*e tot$l lo$% $%d $d,$%ce i''ued or t*e l$'t t*ree 4e$r b4 t*e b$%9 i' '*o8% $'

t$ble;

L%! !d Ad8!9e !& % M!"90 )**@ T% )**

(R&. I #!9&

T7e& %$ #%! )**@ )**+ )**

S*ort term lo$% 0!2"2273 "3"3F3"2 733FF!3

2 Medium term lo$% 37!3 3!2 33"""3

3 o%& term lo$% 0!3F 230!7 !3037

#ot$l o$% 0""703F! 2!20732 FF73



TYPES OF LOANS PROVIDED BY BANK

B$%9 ro,ide' diere%t t4e' o lo$%' 8*ic* $re ollo8i%&;-

i. ASSET POWER (LOAN A/AINST PROPERTY

:e 8ill &i,e 4ou $ lo$% $&$i%'t 4our roert4 Be it commerci$l or re'ide%ti$l You c$%

$l'o $l4 or t*i' lo$% i 4ou %eed u%d' to $cuire %e8 roert4 A t$9e-o,er o 4our

e6i'ti%& lo$% 8it* rei%$%ci%& i' $l'o o''ible 8it* A''et Po8er

FEATURES

• Attr$cti,e i%tere't r$te'

• B$l$%ce #r$%'er $cilit4 $,$il$ble 8it* $dditio%$l i%$%ce

Door'te 'er,ice

You c$% $,$il t*e ollo8i%& our roduct' u%der A''et Po8er

• o$% $&$i%'t roert4 - Re'ide%ti$l

• o$% $&$i%'t roert4 - .ommerci$l

• o$% or urc*$'e o commerci$l roert4

ii. HOME LOAN

ome lo$%' $re ro,ided b$'ed o% t*e m$r9et ,$lue5 m$i%l4

e'tim$tio% &i,e% b4 b$%9' or t*e re&i'tr$tio% ,$lue o t*e roert4 A,$ili%& ,$riou'

t4e' o *ou'e lo$%' to 'uit 4our i%di,idu$l %eed' $t t*e lo8e't r$te' = e$'4 i%$%ci%&

c$% %o8 ulill t*e %eed or $ *ou'e o 4our o8% ome lo$% i' %ot $ o%e-time

deci'io%K do re,ie8 t*e m$r9et eriodic$ll4 beore $,$ili%& t*em



UNI4UE FEATURES OF HOUSE LOAN2

� Pu"7%&e2 ?or urc*$'e o *ou'e rom builder C re'$le $%d co%'tructio% C e6te%'io%

o e6i'ti%& *ou'e

� L%! !m%ut !d Te%"2 You c$% $,$il or ome lo$%' rom ! 4e$r' to ! 4e$r'

$%d $mou%t dee%di%& o% 4our eli&ibilit45 i%come $%d re$4me%t c$$cit4

� Se9u"it2 ome lo$% i' $ 'ecured lo$% 8*erei% coll$ter$l $re reuired

iii.VEHICLE LOAN 2-

A loan taken out to purchase a vehicle. i#e Car 'oa"$ , Auto oa". At re'e%t5

o%e o t*e mo't 8idel4 u'ed $%d imort$%t lo$% or $ commo% m$% i' $ c$r lo$%

#*e'e t4e' o lo$%' $re de'i&%ed or eole 8*o 8$%t to urc*$'e $ c$r $%d $re

%orm$ll4 9%o8% $' c$r lo$%' or $uto lo$%'

You c$% $l4 or $ c$r lo$% re&$rdle'' 8*$t 9i%d o c$r 4ou $re loo9i%&

or +t c$% be $ 'm$ll more eco%omic$l com$ct c$r or it c$% $l'o be $ S #*e $mou%t

o lo$% t*$t 4ou 8$%t to borro8 $%d t*e i%tere't r$te' 8ill *e$,il4 dee%d o% 4our credit5

4our mo%t*l4 i%come $%d 4our $&e + 4ou *$,e $ oor emlo4me%t *i'tor4 t*e% t*$t 8ill

$l'o *$,e $ %e&$ti,e eect o% t*e tot$l $mou%t $%d t*e i%tere't r$te $''oci$ted 8it* t*e

lo$%

I8.A/RICULTURE LOAN

#*e'e $re t*e lo$%' ro,ided b4 b$%9 or t*e $&ricultur$l u%ctio%' or

$rmer' #*e'e $&ricultur$l lo$%' $re ro,ided b4 b$%9 or 'eci$ll4 $rmer' $t $' c*e$er

$' o''ible r$te'

http://www.creditandmortgageindex.com/car-finance/





V. PERSONAL LOANS

Peole %eed lo$%' or er'o%$l %eed'5 %eed' t*$t do %ot re$ll4 *$,e $%4t*i%& to

do 8it* t*e b$'ic %ece''itie' o lie li9e medic$l5 c$r lo$%' or lo$%' or *ome urc*$'i%&

?or i%'t$%ce er'o%$l %eed' li9e tr$,eli%& duri%& *olid$4'5 co'metic 'ur&erie'5 &oi%& out

or $ lo,el4 *o%e4moo% or &etti%& $ lo$% to *$,e $ 8eddi%& o 4our dre$m #*i' t4e o

lo$% i' 9%o8% $' Per'o%$l lo$% 'u$ll4 er'o%$l lo$%' c$rr4 $ *i&*er i%tere't r$te

bec$u'e t*e'e lo$%' $re t$ilor m$de or er'o%$l %eed' o t*e borro8er t*$t ,$r4 rom c$'e

to c$'e Beore 4ou $l4 or er'o%$l lo$%' 8it* $ i%$%ci$l i%'titute5 4ou '*ould do $

little re'e$rc* o% t*e i%ter%et #*ere i' $ &ood c*$%ce t*$t 4ou 8ill i%d $ le%der t*$t i'

oeri%& t*e'e lo$%' o% lo8er i%tere't r$te'.

Ite"e&t "!te& % #%! !d Ad8!9e&

T7e& %$ #%!& Am%ut %$ #%! Ite"e&t "!te (G

5.A'"i9u#tu"e L%! At R' 25005000

Abo,e R' 25005000

"00

000

).O99u7!ti%!# < SSI L%!

(iW%"1i' C!7it!#

(ii L%!

At R' 5005000

?rom R' 5005000 #o !5005000

?rom R' !5005000 #o 205005000

Abo,e R' 205005000

At R' 5005000

?rom R' 5005000 #o !5005000

?rom R' !5005000 #o 205005000

Abo,e R' 205005000

2!

!0

7!

200

2!

!0

7!

200

;.T"!8e##i' L%! At R' !5005000

Abo,e R' !5005000

200

300

=.C%&ume"Cu&t%me" #%! At R' !05000

Abo,e R' !05000

2!0

300

?.Pe"&%!# L%! At R' !05000

?rom R' !05000 #o 25005000

2!0

300

http://www.creditandmortgageindex.com/personal-loans/

http://www.creditandmortgageindex.com/personal-loans/



Te!90e"S!#!" P!ee C#!&& L%! At R' !05000

?rom R' !05000 #o 25005000

200

2!0

@.H%me L%!

H%me L%!(Fied !m%ut

?or ! Ye$r'

?or $bo,e ! 4e$r' = ?or 0 4e$r'

?or $bo,e 0 4e$r' $%d ?or ! 4e$r'

?or ! 4e$r'

?or $bo,e ! 4e$r' = ?or 0 4e$r'

?or $bo,e 0 4e$r' = ?or ! 4e$r'

0!0

07!

00

200

22!

2!0

+. Se#$-em7#%met !d At R' !05000

Abo,e R' !05000

2!0

300

.Ve0i9#e L%! At R' 25005000

Abo,e R' 25005000

0!0

00

,.NSCLICKVP !0

5*.S!#!" P!ee &%9ietie&C%-

%7e"!ti8e C%mmittee

000

55. St!$$ L%! H e'' t*$%&e%er$l



RE4UIREMENTS OF TAKIN/ HOME LOAN

#*ere $re cert$i% term' $%d co%ditio%' 8*ic* $re %ece''$r4 to ulill or t$9i%& *ome lo$%

$%d e,er4 cu'tomer 8*o 8$%t to t$9e ome o$% 5$' to ollo8 t*e'e term' A%d

co%ditio%' t*e'e cert$i% co%ditio%' $re ollo8i%&;-

Puro'e / ome o$%

!. ome o$% ?or co%'tructio% or re$ir uro'e

b. ome o$% ?or urc*$'e o *ou'eC l$t

9. e6te%'io% o t*e e6i'ti%& *ou'e re$ir'C re%o,$tio%' $lter$tio%' to e6i'ti%&

*ou'eC l$t

2 Eli&ibilit4

3 A&e

Securit4

! +%tere't R$te'

E6te%t o lo$%

7 ro%t ?ee

F Docume%t$tio% .*$r&e'

" Re$4me%t Period

0 .ert$i% Docume%t' P*oto co4

#8o Gu$r$%tor

2 PAN NumberCoter +D .$rd P*oto co4

3 Proert4 P$er'



COMPARISON OF INTEREST RATES < TERMS < CONDITION

OF HOME LOAN OF DIFFERENT BANKS

S".

N%

.

C0!"!9te"i&ti9 U"b! C%-

%7e"!ti8e B!1

B!1 O$ B!"%d! Pu!b N!ti%!#

B!1

5. Ite"e&t R!te&

i Fied R!te %7ti%

• to ! 4e$r'

• /,er ! 4e$r' = u to 0 4e$r'

• /,er 0 4e$r' = u to ! 4r'

ii.F#%!ti' R!te O7ti%

• to ! 4e$r'

• /,er ! 4e$r' u to ! 4e$r'

• /,er ! 4e$r' u to 2! 4e$r'

200H

22!H

2!0H

0!0H

07!H

00H

2!H

!0H

7!H

02!H

0!0H

07!H

2!H

200H

22!H

000H

02!H

0!0H

). T"!&$e" F!9i#it Pro,ided Pro,ided Not Pro,ided

;. E#i'ibi#it Re'ide%t +%di$%' Re'ide%t +%di$%' +%di$% N$tio%$l

=. A'e No $&e limit Mi%imum $&e 2

4e$r'

?. O7e"!ti%!# H%u"& 2 *our' )= $cro'' 2 *our'



COMPARISON OF OTHER CONDITIONS FOR TAKIN/ HOME

LOAN

5. Se9u"it • Mort&$&e o

t*e roert4

= je8elr4

• NS.'51P'5

+.

Mort&$&e o t*e

roert4 to be

re$ired C re%o,$ted

• Mort&$&e o

roert4

• ?DRC +.

olic4CGo,tSecuritie'5

NS.'51P'5 +P'5C PSBo%d' etc

). Pu"7%&e O$ H%me L%!2

• .o%'tructio% or

urc*$'e o *ou'eC l$t

• e6te%'io% o t*e

e6i'ti%& *ou'e re$ir'Cre%o,$tio%' $lter$tio%'to e6i'ti%& *ou'eC l$t

• ou'i%& o$%' to

NR+' C P+/'

Pro,ided

Pro,ided

Not Pro,ided

Pro,ided

Pro,ided

Pro,ided

Pro,ided

Pro,ided

Pro,ided

;. Etet %$ #%! o$% u to R' !$c' or

co%'tructio% o

*ou'e = 0 $c' or

urc*$'i%& o l$%d

•S$l$ried

er'o% - 2time' o&ro'' $%%u$li%come

• roe''io%$l'

C 'el-emlo4ed C

bu'i%e'' er'o%' etc53 time' o

%et $%%u$li%come dereci$tio%cl$imedi%di,idu$lc$$cit4

•o$% u toR'20 $c'or urc*$'eo $%dCPlot

• o$% i'

$,$il$blem$6imumu to R'2$c' orur%i'*i%&

=. U7$"%t Fee 0F0H o lo$%

$mou%t Ser,ice

#$6

H o% $mou%t

re$id i%cludi%&

$%4 'uc* $mou%t

re$id i% t*e l$'t

i%$%ci$l 4e$r

0"0H o t*e lo$%

$mou%t Ser,ice

#$6 = Educ$tio%

.e''

http://www.bankofbaroda.com/pfs/homeloans_nri.asp






0 D%9umet!ti% C0!"'e& R' F00C-Ser,ice

.*$r&e'

R' 2!C- Ser,ice

#$6

R'53!0C-

Ser,ice #$6 =

Educ$tio% .e''

Re7!met 20 4e$r' or beore

t*e borro8er $tt$i%'

t*e $&e o 2 4e$r'

• M$6imum-

0-4e$r' b4Eu$ted

Mo%t*l4i%'t$llme%t'

20 4e$r' or beore

t*e borro8er $tt$i%'

t*e $&e o ! 4e$r'



NEED OF STUDY OR RESEARCH PROBLEM

?ollo8i%& $re t*e m$i% objecti,e' o t*e b$%9! #o e%cour$&e t*rit $%d collect '$,i%& rom member' $%d ot*er'

b #o ro,ide $ '$e l$ce or i%,e'ti%& t*e re'er,e' o rim$r4 'ocietie'

9 #o de,elo $%d e6te%d b$%9i%& $cilitie' i% rur$l $%d urb$% $re$'

d #o 'uer,i'e &uide $%d co%trol t*e 8or9i%& o member 'ocietie'

e #o $ct $' b$l$%ci%& ce%tre o i%$%ce or t*e rim$r4 'ocietie' i% t*e di'trict b4

ro,idi%& t*em 8it* u%d' 8*e% t*e4 *$,e $ '*ort$&e $%d b4 'er,i%& $' $ cle$ri%&

*ou'e or t*eir u%d' 8*ic* $re 'urlu'

SCOPE OF STUDY2

#*e roject 8ill *el t*e com$%4 i% co%ducti%& urt*er 'tud4 i% t*e $re$ de'i&%

t*e 8*ole 'tr$te&4 $' er com$%4 $%d ret$ilerI' e6ect$tio% t*$t 8ould &i,e $deu$te i%cre$'e i%t*e '$le' #*i' roject 8ould *el i% &etti%& e6o'ure to t*e ceme%t i%du'tr4



OBJECTIVES OF THE STUDY

A. #o 'tud4 t*e 't$tu' o B$reill4 urb$% co-oer$ti,e b$%9

B. #o ide%ti4 t*e i%$%ci$l erorm$%ce o B$reill4 urb$% co-oer$ti,e b$%9 or l$'t

t*ree 4e$r'

C. #o $%$l4e i%$%ci$l erorm$%ce o B./PB t*rou&* r$tio $%$l4'i'

D. #o $''e'' t*e erorm$%ce o %et8or9 o br$%c*e' i% rel$tio% to u%d m$%$&eme%t

$%d o$% Ser,ice

E. ?i%di%& out 8*$t cu'tomer 8$%t to c*$%&e i% t*eir e6i'ti%& ceme%t

F. A'9i%& ret$iler' re&$rdi%& t*e c*$%%el di'tributio% t*$t 8*$t t*e4 8ould li9e to

c*$%&e

/. ?i%di%& out 8*$t ret$iler' 8$%t 'ome more $cilitie' b4 com$%4 doe' t*e

i%lue%ce t*e cu'tomer

H. A%$l4i%& t*e i%$%ci$l $cilitie' $,$il$ble to t*e cu'tomer



SWOT ANALYSIS

STREN/TH

MARKET STANDIN/2 Stro%& re'e%ce i% t*e m$r9etK 'te$d4 &ro8t* i%

'$le' o it' 'er,ice'.

MARKET COVERA/E2 N$tio%8ide co,er$&eK 'emi-urb$% $%d rur$l$re$' $re $l'o 8ell co,ered

MARKET SHARE2 M$r9et le$der i% b$%9i%& 'er,ice' 'eci$ll4 or

urb$% eole

INNOVATION IN MARKETIN/ 2 er4 i%%o,$ti,e5 e'eci$ll4 i%

ro,idi%& 'er,ice'

PRODUCTS MI32 :ide r$%&e.

PRICIN/2 .o't' $re co%trolled o e,er4 'er,ice

PHYSICAL DISTRIBUTION SERVICE LEVELD i&*.

INVENTORY MANA/EMENT2 er4 &ood i%,e%tor4 *oldi%& co'tlo8e't i% t*e m$r9et



WEAKNESS

INNOVATION IN MARKETIN/ 2 :ide roduct mi6 ut'

Str$i% o% ro,idi%& 'er,ice'5 di'tributio%5 $ccou%ti%& = $dmi%i'tr$tio%

NEW PRODUCT CAPABILITY2 +%%o,$tio% i% %e8 roduct'

i%$deu$te

INVENTORY MANA/EMENT2 E,er e6$%di%& roduct mi6 e6ert'

'ome 'tr$i% o% m$%$&eme%t o t*e 'er,ice' $%d roduct' o t*e b$%9 .

MANA/EMENT CAPABILITY OVERALL; More i%%o,$tio% %eeded

or t*e utureK cometitio% i' c$tc*i%& u $'t

OPPORTUNITY2

THE CONSUMERDEEMAND2 $r&e co%'umer b$'e5 &ro8i%& urb$%

middle cl$'' Dem$%d i' co%'t$%tl4 o% t*e i%cre$'e

THE BANK2 B$%9I' $ttr$cti,e%e''Croit$bilit4 &e%er$ll4 &ood i% t*e

middle term +%du'tr4 i' &$i%i%& e6ert orie%t$tio%

TECHNOLO/Y2 #*o'e 8*o comm$%d t*e be't tec*%olo&4 *$,e t*e

'coe to 't$4 o% to



NATURAL ENVIRONMENT2 Ge%er$ll4 +%di$ i' ull o 'er,ice

ro,ider'

THREAT2

THE CONSUMERDEEMAND2 .o%'umer' $re becomi%& c*oo'ier

THE INDUSTRYCCOMPETITION2 #*e r$id c*$%&e i% i%du'tr4

'tructure ?or t*e %e8 e%tr$%t' too cometitio% i' $ m$jor $ctor to rec9o%

8it* +%te%'e cometitio% $%d o,ercro8di%& li9el4 to le$d to $ '*$9eout i%

t*e comi%& 4e$r' #*e dem$%d c$%%ot 'uort 'o m$%4 roblem'.

TECHNOLO/Y2 More i%,e'tme%t' $%d eort' i% tec*%olo&4 $%d R=D

$re reuired

NATURAL ENVIRONMENT2 #*ou&* $,$il$bilit4 o m$i% reuireme%t

ie 'er,ice ro,ider' i' %o roblem5 co't cometiti,e%e'' i' l$c9i%&

Producti,it4 $%d eecti,e%e'' *$' to imro,e com$red to i%ter%$tio%$l

't$%d$rd



RESEARCH METHODOLO/Y

INTRODUCTION2

Re'e$rc* i' $% $rt o 'cie%tiic i%,e'ti&$tio% /%e c$% $l'o dei%e re'e$rc* $' $

Scie%tiic $%d '4'tem$tic 'e$rc* or erti%e%t i%orm$tio% o% $ 'eciic toic Re'e$rc*

co,er' t*e 'e$rc* or $%d retrie,$l o i%orm$tio% or $ 'eciic uro'e Re'e$rc* *$'

m$%4 c$te&orie' rom medic$l re'e$rc* to liter$c4 re'e$rc* A re'e$rc* $er i' $ iece o

$c$demic 8riti%& t*$t reuire' $ more $b'tr$ct5 critic$l $%d t*ou&*tul le,el o i%uir4 t*$t

4ou mi&*t be u'ed to

#*e dictio%$r4 me$%i%& o re'e$rc* i' $ c$reul i%,e'ti&$tio% o i%uir4

e'eci$ll4 t*rou&* 'e$rc* or %e8 $ct' i% $%4 br$%c* o 9%o8led&eI

D Sle'i%&er $%d M Ste*e%'o% i% t*e e%c4cloedi$ o 'oci$l 'cie%ce' dei%e

re'e$rc* $'5> t*e m$%iul$tio% o t*i%&'5 co%cet' or '4mbol' or t*e uro'e o

&e%er$lii%& to e6te%d5 corrector ,eri4 9%o8led&e5 8*et*er t*$t 9%o8led&e $id' i%

co%'tructio% o t*eor4 or i% t*e r$ctice o $% $rt> Re'e$rc* i'5 t*u'5 $% ori&i%$l

co%tributio% to t*e e6i'ti%& 'toc9 o 9%o8led&e m$9i%& or it' $d,$%ceme%t

B$'ic$ll4 re'e$rc* i' t*e ur'uit o trut* 8it* t*e *el o 'ome 'tud45

ob'er,$tio%5 com$ri'o% $%d e6erime%t' Some eole co%'ider re'e$rc* $' $ mo,eme%t5$ mo,eme%t rom t*e 9%o8% to t*e u%9%o8% Re'e$rc* i% commo% $rl$%ce reer' to

t*e 'e$rc* or 9%o8led&e 8it* t*e *el o objecti,e $%d '4'tem$tic met*od o

?i%di%& 'olutio% to $ roblem Re'e$rc* i' $ ,o4$&e o di'co,er4 o 9%o8led&e le$d b4

i%ui'iti,e%e'' o *um$% %$ture



TYPES OF RESEARCH

Re'e$rc* i' m$i%l4 o ollo8i%& t8o t4e';

5. DESCRIPTIVE RESEARCH2- De'criti,e re'e$rc* i%clude' 'ur,e4' $%d $ct

i%di%& e%uire' o diere%t 9i%d' #*e m$jor uro'e o de'criti,e re'e$rc* i'

de'critio% o t*e 't$te o $$ir' $' it e6i't' $t re'e%t +% 'oci$l Scie%ce $%d

bu'i%e'' re'e$rc* 8e uite ote% u'e t*e term E6 o't $cto re'e$rc* or

de'criti,e re'e$rc* 'tudie' #*e met*od' o re'e$rc* utilied i% de'criti,e

re'e$rc* $re 'ur,e4 met*od' o $ll 9i%d' i%cludi%& com$r$ti,e $%d correl$tio%

met*od'

). ANALYTICAL RESEARCH2- +% A%$l4tic$l Re'e$rc* o% t*e ot*er *$%d5 t*e

re'e$rc*er *$' to u'e $ct' or i%orm$tio% $lre$d4 $,$il$ble $%d $%$l4e t*e'e to

m$9e $ critic$l e,$lu$tio% o t*e m$teri$l

#*ere $re 'ome ot*er t4e' o re'e$rc* $l'o li9e;

5. APPLIED RESEARCH2 Alied re'e$rc* i' $l'o c$lled Deci'io%$l Re'e$rc* 5

roceed' 8it* $ cert$i% roblem5 $%d it 'eciie' $lter%$ti,e 'olutio%' $%d t*e

o''ible outcome' o e$c* $lter%$ti,e +t i' romoted b4 commerci$l

co%'ider$tio%'

). FUNDAMENTAL RESEARCH2 ?u%d$me%t$l or B$'ic Re'e$rc* i' $l'o c$lled

#*eoretic$l Re'e$rc* or Pure Re'e$rc* +t $im' $t e6$%di%& t*e ro%tier' o

9%o8led&e $%d doe' %ot directl4 i%,ol,e r$&m$tic roblem' #*e e''e%ce o

b$'ic re'e$rc* i' t*$t it $ddre''e' it'el to more u%d$me%t$l ue'tio%' $%d %ot to

t*e roblem' 8it* immedi$te commerci$l ote%ti$l



;. 4UANTITATIVE RESEARCH2 u$%tit$ti,e re'e$rc* i' b$'ed o% t*e

me$'ureme%t o u$%tit4 or $mou%t +t i' $lic$ble to *e%ome%$ t*$t c$% be

e6re''ed i% term' o u$%tit4

=. 4UALITATIVE RESEARCH2 u$lit$ti,e re'e$rc* i' co%cer%ed 8it*

u$lit$ti,e *e%ome%$ ie *e%ome%$ rel$ted to or i%,ol,i%& u$lit4 or 9i%d

Moti,$tio% re'e$rc* i' $% imort$%t t4e o u$lit$ti,e re'e$rc*

?. CONCEPTUAL RESEARCH2 .o%cetu$l Re'e$rc* i' t*$t rel$ted to 'ome

$b'tr$ct ide$ or t*eor45 +t i' &e%er$ll4 u'ed b4 *ilo'o*er' $%d t*i%9er' to

de,elo %e8 co%cet' or to rei%terret e6i'ti%& o%e'

@. EMPIRICAL RESEARCH2 Emiric$l re'e$rc* relie' o% e6erie%ce or

ob'er,$tio% $lo%e ote% 8it*out due re&$rd or '4'tem $%d t*eor4 +t i' d$t$ b$'ed

re'e$rc*5 comi%& u 8it* co%clu'io%' 8*ic* $re c$$ble o bei%& ,eriied b4

,eriied b4 ob'er,$tio% or e6erime%t

OBJECTIVES OF RESEARCH2

#*e uro'e o re'e$rc* i' to di'co,er or i%di%& $%'8er' to ue'tio%' b4 $l4i%& cert$i%

'cie%tiic rocedure' Re'e$rc* i%,e'ti&$te' t*e trut*5 8*ic* i' *idde% $%d trie' to i%$l

'olutio% to e6i'ti%& roblem5 8*ic* *$,e %ot bee% di'co,ered 4et Diere%t uro'e'dee%di%& o% %$ture $%d t4e o re'e$rc* Ge%er$ll4 8e *$,e ollo8i%& c$te&orie' o

objecti,e' o re'e$rc*;

Become $mili$r 8it* $% e6i'ti%& *e%ome%o% or $rc*i,e %e8 i%'i&*t' i%to e6i'ti%&

*e%ome%o% Suc* 'tudie' $re termed $' e7#%"!t%" or $%"mu#!ti8e "e&e!"90

'tudie'



2 #o $ccur$tel4 determi%e t*e re$l e$ture' or c*$r$cteri'tic' o i%di,idu$l'5 'itu$tio%' or

&rou' Suc* 'tudie' $re termed $' de&9"i7ti8e &tudie&

3 #o $'cert$i% t*e reue%c4 o occurre%ce o 'omet*i%& or $'cert$i% A''oci$tio% o

'omet*i%& 8it* 'omet*i%& el'e Suc* 'tudie' $re 9%o8% $' di!'%&ti9 "e&e!"90&tudie&

#o te't $ *4ot*e'i' o $ c$'u$l rel$tio%'*i bet8ee% ,$ri$ble' Suc* 'tudie' $re

9%o8% $' 07%t0e&i& te&ti' "e&e!"90 &tudie&

IMPORTANCE OF RESEARCH 2

Re'e$rc* orm' t*e u%d$me%t$l b$'e o% 8*ic* t*e eco%omic $%d le&i'l$ti,e olicie'

c$% be build

2 Re'e$rc* $''i't' i% 'ol,i%& ,$riou' oer$tio%$l $%d l$%%i%& roblem' o bu'i%e'' $%d

i%du'tr4

3 Re'e$rc* *el' u' to e't$bli'* 'oci$l rel$tio%'*i' $%d 'ol,e' 'oci$l roblem

Re'e$rc* i' u'ed i% $ll ield' o $lied m$t*em$tic' etc

! Re'e$rc* $cilit$te' 'cie%tiic $%d met*odolo&ic$l $%d lo&ic$l t*i%9i%& o $ll

Re'e$rc* $''i't' i% P*D t*e'i' o 'tude%t'

7 Re'e$rc* *ilo'o*er' $%d t*i%9er' to e't$bli'* t*eir ,ie8oi%t'

F A''i't' $%$l4'i' $%d i%tellectu$l' to de,elo %e8 t*eorie' $%d ide$'



METHOD OF STUDY2

Si%ce 8e 9%o8 t*$t rb$% .o-oer$ti,e B$%9 *$' $ ,er4 &ood im$&e i%

B$%9i%& +%du'tr4 $%d it i' &ood or t*e B$%9 t*$% ot*er' com$%4 re'e%ce +% uture

com$%4 8$%t' to m$i%t$i% *i' '*$re i% t*i' +%du'tr4 .om$%4 8ill *$,e to em*$'ie

m$i%l4 t8o $re$';

.ometitio% $%$l4'i'

2 .o%'umer bu4i%& be*$,ior

+% order to do5 $ det$iled 'tud4 %eeded to be co%ducted

METHODOLO/Y ADOPTED2-

#*e met*odolo&4 $doted b4 me or t*e uro'e o t*i' 'tud4 to be

c$rried out 8$' b$'ed o% t*e ri%cile' $%d co%cet o re'e$rc* met*odolo&4

Re'e$rc* Met*odolo&4 i' $ 8$4 to '4'tem$tic$ll4 'ol,e t*e re'e$rc* roblem +t m$4

be u%der'tood $' $ 'cie%ce o 'tud4i%& *o8 re'e$rc* i' do%e 'cie%tiic$ll4 +% it 8e

'tud4 t*e ,$riou' 'te' t*$t o%e &e%er$ll4 $dot' i% 'tud4i%& *i' re'e$rc* roblem

$lo%& 8it* t*e lo&ic be*i%d met*od' C tec*%iue' to 'ol,e t*$t roblem

#*e ,$riou' 'te' t*$t ro,ide u'eul rocedur$l &uideli%e' re&$rdi%& t*e

re'e$rc* roce'' $re;

E6te%'i,e iter$ture 'ur,e4

De,eloi%& t*e *4ot*e'i'

Pre$ri%& t*e re'e$rc* de'i&%



Determi%i%& t*e de'i&%

.ollecti%& t*e d$t$

E6ecutio% o t*e roject

A%$l4'i' o d$t$

4ot*e'i' te'ti%&

Ge%er$li$tio% $%d i%terret$tio%

#*e'e ollo8i%& 'te' $re $l'o $doted b4 me to 'ol,e m4 re'e$rc* roblem;-

• Per'o%$l ,i'it o t*e b$%9 $%d di'cu''io% 8it* t*e b$%9 oici$l' 8ere *eld to

collect cert$i% rele,$%t $ct' or t*e 'tud4

• Seco%d$r4 d$t$ collectio%

DEFININ/ THE RESEARCH PROBLEM

+% re'e$rc* roce''5 t*e ir't $%d oremo't 'te *$e%' to be t*$t o

'electi%& $%d roerl4 dei%i%& $ re'e$rc* roblem A re'e$rc*er mu't i%d t*e roblem

$%d ormul$te it 'o t*$t it become' 'u'cetible to re'e$rc*

A re'e$rc* roblem5 i% &e%er$l5 reer' to 'ome diicult4 t*$t $ re'e$rc*er

e6erie%ce' i% t*e co%te6t o eit*er $ t*eoretic$l or r$ctic$l 'itu$tio% $%d 8$%t' to obt$i%

$ 'olutio% or t*e '$me :e c$% 't$te t*e como%e%t' o $ re'e$rc* roblem $' u%der;

A #*ere mu't be $% i%di,idu$l or $ &rou 8*ic* *$' 'ome diicult4 or t*e roblem



B. #*ere mu't be 'ome objecti,e(') to be $tt$i%ed $t + o%e 8$%t' %ot*i%&5 o%e c$%%ot

*$,e $ roblem

C. #*ere mu't be $lter%$ti,e me$%' (or t*e cour'e' o $ctio%) or obt$i%i%& t*e objecti,e(')

o%e 8i'*e' to $tt$i%

D #*ere mu't rem$i% 'ome doubt i%% t*e mi%d o $ re'e$rc*er 8it* re&$rd to t*e 'electio%

o $lter%$ti,e'

E #*ere mu't be 'ome e%,iro%me%t(') to 8*ic* t*e diicult4 ert$i%'

? #*u' $ re'e$rc* roblem i' o%e t*$t reuire' $ re'e$rc*er to i%d out t*e be't 'olutio%

or t*e &i,e% roblem5 ie to i%d out b4 8*ic* cour'e o $ctio% t*e objecti,e c$% be

obt$i%ed otim$ll4 i% t*e co%te6t o $ &i,e% e%,iro%me%t

#*ere $re 'e,er$l $ctor' t*$t m$4 re'ult i% m$9i%& t*e roblem comlic$ted

All 'uc* eleme%t' (or $t l$'t t*e imort$%t o%e') m$4 be t*ou&*t o i% co%te6t o $ re'e$rc*

roblem

?or re$ri%& m4 reort5 + 'elected $ toic rel$ted to t*e $%$l4'i' o

i%$%ci$l 't$teme%t o rb$% .o-oer$ti,e B$%9 i% 8*ic* + *$,e ,$riou' objecti,e' A' $

,er4 ir't 'te + ,i'ited to b$%9 to %o8 $bout o$% Procedure i% t*i' b$%9



RESEARCH DESI/N

+ re$red t*e re'e$rc* de'i&% o m4 roject t*$t i' $ co%cetu$l 'tructure

8it*i% 8*ic* t*e roject 'tud4 i' co%ducted Re'e$rc* de'i&% i' re$red to $cilit$te t*e

'moot* '$ili%& o t*e ,$riou' re'e$rc* oer$tio%'5 t*ereb4 m$9i%& re'e$rc* $' eicie%t $'

o''ible5 4ieldi%& t*e m$6imum e6e%'e' o eort5 time $%d mo%e4

+t i' $ blueri%t or t*e collectio%5 me$'ureme%t $%d $%$l4'i' o d$t$ M4

de'i&% ocu'e' $tte%tio% o% t*e ollo8i%& $'ect';-

#o $'cert$i% $ir $%d euit$ble r$tio o i%$%ci$l 't$teme%t o rb$% .o-oer$ti,e

B$%9

2 E,$lu$te $%d $%$l4'i' t*e i%$%ci$l o'itio% o rb$% .o-oer$ti,e B$%9

3 #o &$i% i%'i&*t i%to $ b$%9

#o 'tud4 t*e lo$% rocedure o rb$% .o-oer$ti,e B$%9

FEATURES OF A /OOD RESEARCH DESI/N2

i) +t i' $ l$% t*$t 'eciie' t*e 'ource' $%d t4e' o i%orm$tio% rele,$%t to t*e

re'e$rc* roblem

ii) +t i' $ 'tr$te&4 'eci4i%& 8*ic* $ro$c* 8ill be u'ed or &$t*eri%& $%d

$%$l4i%& t*e d$t$

iii) +t $l'o i%clude' t*e time $%d co't bud&et' 'i%ce mo't 'tudie' $re do%e u%der

t*e'e t8o co%'tr$i%t'



SAMPLE DESI/N

Ater decidi%& t*e re'e$rc* roblem5 t*e %e6t 'te i' to 'elect t*e

re'e$rc* de'i&% #*e re'e$rc*er 8ill decide *o8 t*e i%orm$tio% 8ill be collected

#*ere $re t8o imort$%t 'ource' o collectio% o i%orm$tio%;

) .e%'u'

2) S$mle

+% c$'e t*e d$t$ $re collected rom e$c* member o t*e oul$tio% o

i%tere't5 it i' 9%o8% $' t*e .e%'u' Sur,e4+5 d$t$ $re to be collected o%l4 rom

'ome member' o t*e oul$tio%5 it i' 9%o8% $' t*e S$mle 'ur,e4

STEPS IN SAMPLIN/ DESI/N

:*ile de,eloi%& $ '$mli%& de'i&%5 t*e re'e$rc*er mu't $4 $tte%tio% to t*e

ollo8i%& oi%t';

i TYPE OF UNIVERSE2- #*e ir't 'te i% de,eloi%& $%4 '$mle de'i&% i' to

cle$rl4 dei%e t*e 'et o object'5 tec*%ic$ll4 c$lled t*e u%i,er'e5 to be 'tudied

#*e u%i,er'e c$% be i%ite or i%i%ite +% i%ite u%i,er'e t*e %umber o item' i'

cert$i%5 but i% c$'e o $% i%i%ite u%i,er'e t*e %umber o item' i' i%i%ite

ii SAMPLIN/ UNIT2 A deci'io% *$' to be t$9e% co%cer%i%& $ '$mli%& u%it

beore 'electi%& '$mle S$mli%& u%it m$4 be $ &eo&r$*ic$l o%e 'uc* $'

't$te5 di'trict5 ,ill$&e etc or $ co%'tructio% u%it 'uc* $' *ou'e5 l$t etc

iii SOURCE LIST2 +t i' $l'o 9%o8% $' S$mli%& ?r$meI rom 8*ic* '$mle i'

to be dr$8% +t co%t$i%' t*e %$me' o $ll item' o $ u%i,er'e + 'ource li't i'

%ot $,$il$ble re'e$rc*er *$' to re$re it +t i' e6ter%$ll4 imort$%t or t*e

'ource li't to be $' rere'e%t$ti,e o t*e oul$tio% $' o''ible

i8 SIE OF SAMPLE2 #*i' reer' to t*e %umber o item' to be 'elected rom

t*e u%i,er'e to co%'titute $ '$mle #*i' i' $ m$jor roblem beore $

re'e$rc*er t*e 'ie o '$mle '*ould %eit*er be e6ce''i,el4 l$r&e5 %or too

'm$ll +t '*ould be otimum A% otimum '$mle i' o%e5 8*ic* ulill' t*e

reuireme%t' o eicie%c45 reli$bilit4 $%d le6ibilit4



8 PARAMETERS OF INTEREST2 +% determi%i%& t*e '$mle de'i&%5 o%e

mu't co%'ider t*e ue'tio% o t*e 'eciic oul$tio% $r$meter'5 8*ic* $re o

i%tere't #*ere m$4 $l'o be imort$%t 'ub-&rou' i% t*e oul$tio% $bout

8*om 8e 8ould li9e to m$9e e'tim$te' All t*i' *$' $ 'tro%& im$ct uo% t*e

'$mle de'i&% 8e 8ould $ccet

8i SAMPLE PROCEDURE2 ?i%$ll45 t*e re'e$rc*er mu't decide t*e t4e o

'$mle *e 8ill u'e ie *e mu't decide $bout t*e tec*%iue to be u'ed i%

'electi%& t*e item' t*e item' or t*e '$mle #*ere $re 'e,er$l '$mle de'i&%'

out o 8*ic* t*e re'e$rc*er mu't c*oo'e o%e or *i' 'tud4

STATISTICAL TECHNI4UES USED

?or d$t$ i%terret$tio% $%d re'e%t$tio% 'ome 't$ti'tic$l tec*%iue' 8ere

u'ed ie diere%t &r$*ic$l $%d di$&r$mm$tic$l rere'e%t$tio%' 8ere u'ed

METHODS OF DATA COLLECTED

#*e t$'9 o d$t$ collectio% be&i%' $ter $ re'e$rc* roblem *$' bee% dei%ed

$%d re'e$rc* l$% c*$l9ed out :*ile decidi%& $bout t*e met*od o d$t$ collectio% to be

u'ed or t*e 'tud45 t*e re'e$rc*er '*ould 9ee i% mi%d t8o t4e' o d$t$;-

Seco%d$r4 d$t$ =

2 rim$r4 d$t$

5. PRIMARY DATA; #*e rim$r4 d$t$ $re t*o'e5 8*ic* $re collected $re'* $%d or t*e

ir't time $%d t*u' *$e% to be ori&i%$l i% c*$r$cter

). SECONDARY DATA2 #*e 'eco%d$r4 d$t$5 o% t*e ot*er *$%d5 $re t*o'e 8*ic* *$,e

$lre$d4 bee% collected b4 'omeo%e el'e $%d 8*ic* *$,e $lre$d4 bee% $''ed t*rou&* t*e

't$ti'tic$l roce''



#*e met*od' o collecti%& rim$r4 $%d 'eco%d$r4 d$t$ dier 'i%ce

rim$r4 d$t$ $re to be ori&i%$ll4 collected5 8*ile i% c$'e o 'eco%d$r4 d$t$5 t*e

%$ture o d$t$ collectio% 8or9 i' merel4 t*$t o comil$tio%

COLLECTION OF PRIMARY DATA

:e collect rim$r4 d$t$ duri%& t*e cour'e o doi%& e6erime%t' i% $%

e6erime%t$l re'e$rc* but i% c$'e 8e do re'e$rc* o t*e de'criti,e t4e Prim$r4 d$t$

collectio% i' collectio% o ir't *$%d i%orm$tio% t*rou&* ,$riou' 'ource'

Prim$r4 d$t$ c$% be collected i% eit*er o t8o orm';

$) u$lit$ti,e d$t$

b) u$%tit$ti,e d$t$

:e *$,e collected rim$r4 d$t$ b4 ue'tio%%$ire

COLLECTION OF SECONDARY DATA

#*e 'eco%d$r4 d$t$ $re t*o'e 8*ic* *$,e $lre$d4 bee% collected b4

'omeo%e el'e $%d 8*ic* *$,e $lre$d4 bee% $''ed t*rou&* t*e 't$ti'tic$l roce''

Prob$bl4 uic9e't $%d mo't eco%omic$l 8$4 or re'e$rc*er' to i%d *4ot*e'i' i' to t$9e

$d,$%t$&e o t*e 8or9 o ot*er' $%d utilie t*eir re'e$rc* ro&r$mmed +% $ rel$ti,el4

'*ort time $ re'e$rc*er c$% collect $ l$r&e ,olume o ubli'*ed $%d u%ubli'*ed d$t$

#*ereore + time $%d eort $re to be u'ed eco%omic$ll45 it i' %ece''$r4 to 'i%&le out t*e

mo't im$&i%$ti,e i%di,idu$l'

Seco%d$r4 d$t$ collectio% i' do%e 8it* t*e *el o ubli'*ed m$&$i%e'

$er'5 $%%u$l reort' etc 'uc* i%orm$tio% $re $lre$d4 i%,e'ti&$ted $%d comiled b4

cert$i% eole or b$%9' or b4 &o,er%me%t or&$%i$tio% #*u'5 t*i' 'eco%d$r4 d$t$ i'

collected rom 'eco%d$r4 'ource'



Seco%d$r4 d$t$ i' collected rom t*e com$%4I' i%ter%$l 'ource' o% t*e &i,e%

toic i% order to &et t*e ruitul $%d m$6imum i%orm$tio% 8it* t*e mi%imum time5 eort

$%d t*e e6e%'e' o mo%e4

Seco%d$r4 d$t$ rel$ted to m4 toic i' $l'o collected rom ollo8i%& 'ource';-

Article' o% t*e *i'tor4 $%d roile o b$%9

2 #*e b$%9I' i%$%ci$l 't$teme%t or $%%u$l reort'

3 #*e AGM (A%%u$l Ge%er$l Meeti%&)o t*e b$%9

4UESTIONNAIRE

ue'tio%%$ire l$4' $ ce%tr$l role i% t*e d$t$ collectio% roce'' A 8ell

de'i&%ed ue'tio%%$ire eicie%tl4 collect' t*e reuired d$t$ 8it* $ mi%imum %umber o

error' +t $cilit$te' t*e codi%& $%d c$ture o d$t$ $%d it le$d' to $% o,er$ll reductio% i%

t*e co't $%d time $''oci$ted 8it* d$t$ collectio% $%d roce''i%& #*e bi&&e't c*$lle%&e i%

de,eloi%& $ ue'tio%%$ire i' to tr$%'l$te t*e objecti,e' o t*e d$t$ collectio% i%to $ 8ell

co%cetu$lied $%d met*odolo&ic$ll4 'ou%d 'tud4

#*e ollo8i%& ue'tio%' '*ould be $ddre''ed;

:*4 i' t*e 'ur,e4 bei%& co%ductedQ

:*$t do + %eed to 9%o8Q

o8 8ill t*e i%orm$tio% be u'edQ

o8 $ccur$te $%d timel4 doe' t*e i%orm$tio% *$,e to beQ

Beore de'i&%i%& t*e ue'tio%%$ire5 m$%4 deci'io%' *$,e to be m$de #*e'edeci'io%' $ect t*e ue'tio%%$ire5 $%d '*ould be $rt o t*e l$% or $ 'ur,e4





ESEA- O*

ESEA- TYE-(e$%riptive

U*I/ESE-Barei''*

SAM$I*0 TE-*I)UE-)urpo$ive ra"do $ap'i"!

SAM$I*0 U*IT- Cu$toer$ o Barei''* %it*

SAM$E SI1E2185

TYES O3 DATA- )riar* data= Se%o"dar* (ata= Ba"#0$ e$ite$

a"d other $our%e$ a'$o.

TOO$S- Stati$ti%a' $%hedu'e per$o"a' i"tervie



FORMAT OF 4UESTIONNAIRE

NAME2

ADDRESS2

PHONE NO.2

5. I9%me2

$ Belo8 !5000

b !5000 #o !5000

c !5000 #o 2!5000

d Abo,e 2!5000

). O99u7!ti%2

$ Go,er%me%t Ser,iceme%

b Bu'i%e'' me%(+%di,idu$lC?irm)

c Pri,$te Ser,iceme%

d Retired 'er,iceme%

;. A'e2

$ Belo8 30

b 3 to 0

c to !0

d Abo,e !0



=. D% Y%u 1%6 !b%ut t0e Fi!9i!# Se"8i9e& P"%8ided b U"b! C%-%7e"!ti8e

B!12

$ Ye'

b No

?. W0e"e did %u 1%6 !b%ut U"b! C%-%7e"!ti8e B!12

$ ?rie%d' = Rel$ti,e'

b o$rdi%&'

c Ne8' P$er' = M$&$i%e'

d /t*er' Medi$

@. D% Y%u 1%6 !b%ut t0e L%! F!9i#it 7"%8ided b U"b! C%-%7e"!ti8e B!12

$ Ye'

b No

+. W0!t %u t0i1 !b%ut d%9umet 7"%9edu"e %$ U"b! C%-%7e"!ti8e B!1 %$

#%! F!9i#it2

$ Simle Proce''

b .omle6 Proce''

c #ediou' Proce''

d #ime .o%'umi%& Proce''



. W0!t Y%u t0i1 !b%ut !90ie8i' L%! &e"8i9e i "e#!ti% t% time(d!& 60i90

%u 0!8e t% i8e&t2

$ uic9 Ser,ice

b Slo8 Ser,ice

c Moder$te

d Dee%d /% t*e 'itu$tio%

,. A"e %u &!ti&$ied 6it0 t0e te"m& !d 9%diti%& "eui"ed b U"b! C%-

%7e"!ti8e B!1 $%" #%! 7"%9edu"e2

$ i&*l4 '$ti'ied

b S$ti'ied

c A,er$&e '$ti'ied

d Di''$ti'ied

5*. A"e %u &!ti&$ied 6it0 ite"e&t "!te& $%" #%! 7"%9edu"e

$ i&*l4 '$ti'ied

b Deli&*ted

c S$ti'ied

d Di''$ti'ied

55. Y%u" de"i8!ti% t%6!"d& !$te" "e9ei8i' &e"8i9e&2

$ $deu$te

b e6celle%t

c Moder$te

d +%$deu$te



5). A99%"di' t% %u" 7e"9e7ti% 60i90 b!1 7"%8ide be&t $!9i#itie& !$te" &!#e&

&e"8i9e&;

$ rb$% .o-oer$ti,e B$%9

b +.+.+ B$%9

c ./ B$%9

d D?. B$%9



DATA ANALYSIS AND INTERPRETATION

5 INCOME2

ANALYSIS AND INTERPRETATION

+ ou%d +% m4 $%$l4'i' t*$t !0H eole 8*o $re u'i%& t*i' b$%9I' $cilit45 $re

$c*ie,i%& '$l$r4 rom !000 to 2!000 8*ile 30H 8ere &etti%& $bo,e 2!0005 0H

8ere o !000 to !000 = re't o t*e 0H 8ere &etti%& belo8 !000 '$l$r4



) OCCUPATION2


+% m4 $%$l4'i' 5+ ou%d t*$t 0H eole 8ere ri,$te 'er,iceme% 8*ile 30H 8ere

bu'i%e''me%5 20H &o,er%me%t 'er,iceme% $%d re't o t*e 0H 8ere retired

emlo4ee'



; A/E2


+% m4 $%$l4'i' 0H eole 8ere $&e o 3 to 0 8*ile 30H 8ere $bo,e !05 20H

8ere o $&e to !0 $%d re't o t*e 0H 8ere o belo8 30



=@ D% %u 1%6 !b%ut t0e Fi!9i!# Se"8i9e& P"%8ided b U"b! C%-%7e"!ti8e

B!1


+ ou%d t*$t F0H eole 9%e8 $bout t*e i%$%ci$l 'er,ice' ro,ided b4 t*e rb$% .o-

oer$ti,e B$%9 8*ile 20H 8ere %ot $8$re $bout it



? W0e"e did %u 1%6 !b%ut U"b! C%-%7e"!ti8e B!1


#*e re'o%'e o 0H eole 8$' t*$t t*e4 9%e8 $bout urb$% co-oer$ti,e b$%9 rom

?rie%d' $%d' rel$ti,e' 8*ile 30H 9%e8 rom *o$rdi%&'5 20H rom %e8' $er' $%dm$&$i%e' $%d re't o t*e 0H rom ot*er medi$



) D% %u 1%6 !b%ut t0e L%! F!9i#it 7"%8ided b U"b! C%-%7e"!ti8e B!1


+ ou%d t*$t F0H eole re'o%d' $' i% $,or o t*i' ue'tio% t*$t t*e4 9%o8 $bout

urb$% co-oer$ti,e b$%9 8*ile re't o t*e 20H eole 8ere %ot more $8$re $bout t*i'

b$%9



+ W0!t %u t0i1 !b%ut d%9umet 7"%9edu"e %$ U"b! C%-%7e"!ti8e B!1 %$

#%! F!9i#it2


+ ou%d t*$t 0H eole t*i%9 t*$t lo$%I' docume%t rocedure o t*i' b$%9 i' $ 'imle

roce''5 8*ile $ccordi%& to 30H eole it i' time co%'umi%&5 20H eole '$id t*$t it i'

comle6 roce'' $%d 0H eole '$id t*$t it i' $ tediou' roce''



W0!t Y%u t0i1 !b%ut !90ie8i' L%! &e"8i9e i "e#!ti% t% time(d!& 60i90 %u

0!8e t% i8e&t2


+ ou%d i% m4 $%$l4'i' t*$t !0H eole t*i%9 t*$t lo$% 'er,ice o t*i' b$%9 i' uic9

'er,ice 8*ile 30H $re i% $,or o Moder$te 'er,ice5 20H '$id it Dee%d' o% t*e

'itu$tio% $%d %o eole t*i%9 it %e&$ti,el4



, A"e %u &!ti&$ied 6it0 t0e te"m& !d 9%diti%& "eui"ed b U"b! C%-%7e"!ti8e

B!1 $%" #%! 7"%9edu"e2


+ ou%d t*e re'ult i% re'o%'e o t*i' ue'tio% t*$t 0H eole $re *i&*l4 '$ti'ied

8*ile 30H $re $,er$&e '$ti'ied 5 20H '$ti'ied $%d re't o t*e 0H $re di''$ti'ied



5* A"e %u &!ti&$ied 6it0 ite"e&t "!te& $%" #%! 7"%9edu"e


+ ou%d i% re'o%'e o t*i' ue'tio% t*$t 0H eole $re '$ti'ied 8it* t*e i%tere't

r$te' o lo$% Procedure 8*ile 30H eole $re deli&*ted5 20H '$ti'ied $%d 0H

di''$ti'ied



55 Y%u" de"i8!ti% t%6!"d& !$te" "e9ei8i' &e"8i9e&2


+ ou%d i% re'o%'e o t*i' ue'tio% t*$t !H re'ult' $re i% $,or o e6celle%t 'er,ice

8*ile 27H or $deu$te5 23H or moder$te $%d re't !H $re or i%$deu$te 'er,ice



5) A99%"di' t% %u" 7e"9e7ti% 60i90 b!1 7"%8ide be&t $!9i#itie& !$te" &!#e&

&e"8i9e&

ANALYSIS AND INTERPRETATION2

+ ou%d i% re'o%'e o t*i' ue'tio% t*$t mo't o t*e eole 8ere '$ti'ied 8it* rb$% .o-

oer$ti,e B$%9I' 'er,ice' 8*ile $ little %umber o eole 8ere %ot '$ti'ied = 8ere i%

$,or o ot*er b$%9' #*e re'ult i' ollo8i%& ou%d i% m4 d$t$ $%$l4'i';

• 0H eole i% $,or o rb$% .o-oer$ti,e B$%9

• 30H eole i% $,or o +.+.+ B$%9

• 20H eole i% $,or o D?. B$%9

•

0H eole i% $,or o ./ B$%9



DEVELOPMENTS

5 COMPUTERIATION2 ?or $c*ie,i%& $ccur$c4 i% 8or9 $%d m$i%t$i%i%& ud$te

record $%d 9eei%& co%'t$%t 'eed i% 8or95 t*e b$%9 *$' u%dert$9e%

comuteri$tio% ro&r$mmed o *e$d oice $' 8ell $' *u&e br$%c*e' i% t*e ir't

't$&e5 out o 8*ic* *e$d oice $%d 20 br$%c*e' o t*e b$%9 $re ull4 comuteried

$%d t*e comuteri$tio% o $%ot*er bi& br$%c*e' i' u%der roce''

) WORKIN/ CAPITAL2 #*e 8or9i%& c$it$l o t*e b$%9 $' o% M$rc* 200 *$'

re$c*ed u to R' ""22 l$9*'

; SHARE CAPITAL AND RESERVES2 #*e b$%9' $ut*oried '*$re c$it$l i' o

r'F2"0 l$9*' $%d t*e ,$lue o e$c* '*$re i' R' 00C-o%l4li9e t*i' re'er,e' o

t*e b$%9 i' 2!F37 i% 200

= CASH MANA/EMENT SYSTEM2 B$%9 *$' e't$bli'*ed $ c$'* m$%$&eme%t

'4'tem 8*ic* e%'ure' otimum utili$tio% o c$'* i% *$%d $t $ll t*e br$%c*e' #*e

t$lu9$ le,el br$%c*e' collect' t*e i%orm$tio% $bout t*e c$'* i% *$%d $%d b$l$%ce'

8it* ot*er b$%9' o $ll t*e br$%c*e' i% t*e t$lu9$ $%d $ll t$lu9$ le,el br$%c*e'

co%,e4' t*e i%orm$tio% $bout t*e '$me o% d$il4 b$'i' to u%d' m$%$&eme%t

de$rtme%t o *e$d oice 8*ic* co%'olid$te' t*e i%orm$tio% $%d t$9e' t*e

%ece''$r4 deci'io% or i%,e'tme%t o 'urlu' re'ource' #*i' '4'tem e%$ble' or

'eed4 di'o'$lC i%,e'tme%t o 'urlu' u%d' 'o $' to e$r% more i%tere't i%come $'

8ell $' it i' u'eul or m$i%t$i%i%& $deu$te liuidit4



? INCOME AND E3PENDITURE; #*e o,er$ll i%come decre$'ed b4 2!H

8*ile t*e &ro8t* o roit i%cre$'e' b4 72H to t*$t o t*e 4e$r 2003-0 #*i' i'

due to 'ti cometitio% $%d 8it* reduce' e6e%diture5 e'eci$ll4 i%tere't

INCOME AND E3PENDITURE

(R' +% l$9*')

S".N%. P!"ti9u#!"& )**+-*

I9%me

) +%tere't recei,ed rom$)i%,e'tme%t 257!505F"

b) o$% 25"57523

2) .ommi''io%5 E6c*$%&e = bro9er$&e

3) Mi'cell$%eou' i%come

!575"50"!

3053F5!00

F55!27!

T%t!# i9%me @)*;))==.+*

2 E7editu"e

) +%tere't $id o%$)borro8i%& 5357000

b)Deo'it' 25"75205!30"!2) S$l$rie' = Allo8$%ce' = Pro,ide%t

u%d

3) Re%t5t$6e'5i%'ur$%ce5li&*ti%& etc) $8 c*$r&e'!) Po't$&e5 tele&r$m' = tele*o%e

c*$r&e') AuditorI' ee'7) Dereci$tio% o% = re$ir' to

roert4F) St$tio%er45 ri%ti%& = $d,erti'eme%t

etc") ro,i'io%'0) /t*er e6e%diture

355F3577"!

"!5"5F00

2"5F53302!

5"5F00 575730

0500000 3F5225"3

2535003

5"25!"!0

/t*er e6e%diture 35753770 Proit o t*e 4e$r 7753"5"2

T%t!# e7editu"e @)*;))==.+*



INCOME E3PENDITURE < PROFIT ()**?-*@-)**+-*

R$. i" 'a%#$

S".N%. P!"ti9u#!" )**?-*@ )**@-*+ )**+-*

I9%me 2!037 30!0 32F7

2 E7editu"e "!7! 0F"F 073

3 P"%$it 37! 2!2!2 2F0F3

P"%8i&i% 20! FF73 2"

! Net P"%$it !"" 37" !F"

N%te2- B$%9 roit i' i%cre$'e $t t*e time b$%9 i' roit co%ditio% but %et roit i' le''

t*$% due' i%tere't b$%9 i' %ot &i,e% di,ide%d



@ DEPOSIT MI3

DEPOSITS MI3

S". N%. T7e O$ De7%&it Ye!" A8e"!'e /"%6t0

I G

)**?-*@ )**@-*+ )**+-*

5. Idi8idu!#&

.urre%t deo'it "0! 330FF F! !F0

S$,i%& deo'it 00"F "3" "0" !32

?i6ed deo'it 2F227F 27"7 3332 F3

#ot$l 70!2F F07F 002 "2

). Ot0e" de7%&it (t%t!#

.urre%t deo'it 3F3 37!"F 00"F ""

S$,i%& deo'it 32 307 3!3 (-)30

?i6ed deo'it 03777 033 02F 23F

#ot$l 7F77 7"! F722 27

Gr$%d tot$l(2) FF22"" "F2 F2F2 30

;. Re#!ti8e &0!"e& I G

+%di,idu$l to tot$l deo'it 7""! F202 F !F7

.urre%t to tot$l deo'it 3 3F2 33" (-7"2

S$,i%& to tot$l Deo'it ! 3 2"" (-)27"!

?i6ed to tot$l Deo'it 7 0!0 F"F (-)23

#*e deo'it o t*e b$%9 i%cre$'ed rom R' FF22"" l$9*' i% 200!-0 to

R' F2F2 l$9*' i% 2007-0F b4 30H $' '*o8% i% t$ble #*e t$ble i%dic$te' t*e m$i%

'ource' o deo'it' $re co-oer$ti,e'5 i%di,idu$l deo'it R' 70!2F l$9*' $t 200!-0 to



R' 002 l$9*' $t 2007-0F or t*e i%di,idu$l deo'it i' 7""!H i% 200!-0 rom l$'t

4e$r 2007-0F #*e deo'it i% H i' FH A' c*$rt 2 '*o8' it r$%&e' rom R' 70!2F

l$9*' to R' 002 l$9*'

#*e'e i%dic$te t*$t5 t*ou&* t*e b$%9 e%cour$&e' 't$ble deo'it 8*ic* i'

term deo'it +t *$' $l'o dr$8b$c9 i% romoti%& t*e curre%t deo'it 8*ic* i' ree o co't

$%d '$,i%& #*e b$%9 '*ould 'tre%&t*e% t*e'e t8o deo'it t4e' 'o $' to i%cre$'e it'

m$r&i%$l roit 8it* $ le''er co't o u%d

+ BORROWIN/ POWER OF THE BANK2 #*e borro8i%& o8er o t*e b$%9 $'

er t*e b4e-l$8 i' 2 time' o $id u '*$re c$it$l &e%er$lCree re'er,e' buildi%&

u%d $ccumul$ted lo''e'

A' er t*e b4e-l$85 t*e b$%9 *$' borro8i%& o8er u to t*e limit i%

t*e ro8 i% t*e $bo,e t$ble But i% r$ctice t*e $ctu$l borro8i%& o8er 8*ic* i'

i%dic$te' i% ro8 7 e6ceed' t*e borro8i%& o8er b4 t*e $mou%t e6re''ed i% ro8

F



BORROWIN/ POWER OF THE BANK ()**?-*@-)**+-*

S".N%. Item& Ye!" A8'. /"%6t0 I

G

)**?-*@ )**@-*+ )**+-*

P!id u7 &0!"e 9!7it!# 77F77 F7"2 F2"0

2 /ee"!# "e&e"8e& 3! 237 !7722 F3F

3 t%t!# 0"3FF 20" 032 2F!

B%""%6i' 7%6e"(5) %$

&te7;

32! F"30F F7!F 2F!

! De7%&it& FF22"" "F2 F2F2 30

B%""%6i' $"%m b!1& 3F !22! 33!3

7 T%t!# A.C. b%""%6i'(;@ 320"3 !070 !3F7

F Re&e"8e b%""%6i' 7%6e"(+-

=

F2F7 732 73"7

BORROWIN/ RECEIVED

P!"ti9u#!"& )**?-*@ )**@-*+ )**+-**

S$%ctio% lo$% imit 73000 220 7000

M$6imum :or9i%& ?u%d 72F0 """0 3200

E%d lo't lo$% !"0 F700 30000

o$% '$%ctio% u'e Perce%t$&e o ""F" 0! 770



FINANCIAL PRO/RESS REPORT2

FINANCIAL PRO/RESS REPORT OF URBANCOOPERATIVE BANK

Det!i#& )**?-*@ )**@-*+ )**+-*)reere"%e %apita' 11.56 168.5 99:.43

(epo$it$ 645.:4 13.14 735.11

ithdraa'$ 86:1.37 37:.41 15991.3:

I"ve$te"t 39:.39 :779.3: 6594.39

oa" & Adva"%e$ 9387.5 3:77.71 :87:.79

or#i"! Capita' 559.:8 4:9:.88 11713.41

,o. O Meer$ 31 :813 8:64

,et )roFt 8:.31 .:5 45.77

,o. O Bra"%he$ 8 8 8

Eai"e ra"# A A

)roFt to preere"%e

$hareho'der$

1> 1>

,.).A.?Gro$$@ 914.:9?4.35

>@

3:7.7?4.47

>@

34.:?7.6

>@

,.).A.?,et@ ,I 63.3?1.47>

@

:5.:3?5.54>

@

Re%over* > 67> :> 78>





, EMPLOYEE PRODUCTIVITY2-

FY *? FY@ FY *+

Numbe" %$ Em7#%ee& 5),5 ++5 +)+

Numbe" %$ O$$i9e& 55 ) )=

P"%$it Pe" Em7#%ee (R&. i m .* 5., *.;

A&&et& Pe" Em7#%ee (R&. i m ;5= @, 5,

Admii&t"!ti8e E7e&e& t% A8e"!'e T%t!#

A&&et& (G

*.=? *.@+ *.+@

C%&t I9%me R!ti% (G 5)., )).; ;*.,



CONCLUSION AND FINDIN/S OF STUDY

CONCLUSION

A' $ .o-/er$ti,e B$%9 *$' l$4ed $ m$jor role e'eci$ll4 i% t*e '*ort-term

$%d medium term lo$%' 8*ic* *$,e bee% $ble to re$c* e$c* = e,er4 member o t*e b$%9

?rom t*e e$rlier di'cu''io% t*e ollo8i%& co%clu'io% $%d i%di%&' c$% be m$de i%

co%%ectio% 8it* t*e objecti,e o t*e 'tud4

5. P$id '*$re c$it$l F7"2 l$c9' i% 200! to F2"0 l$c9' i% 200 Simil$rl4 t*e

re'er,e $l'o i%cre$'ed rom 23"3! l$c9' i%200! to 2!F37 i% 200

). Due to 'u't$i%ed eort' m$de b4 t*e b$%95 t*e deo'it mobili$tio% i' i%cre$'ed

rom FF22"" l$c9' i% 200!-0 to F2F2 i% 2007-0F

;. #*e borro8i%&' o t*e b$%9 $re decre$'ed rom R' 320"3to 200!-0 to

!3F7 i% 2007-0F

=. #*e lo$%' $%d $d,$%ce' *$,e i%cre$'ed duri%& t*e 2!2 i% 200-07 $%d

2 i% 2007-0F *$,e reduced #*e medium $%d lo%& term lo$%' *$,e

i%cre$'ed i% 200!-0

?. #*e %umber o emlo4ee i%cre$'e or t*e l$'t 3 4e$r'

@. + 8e &o t*rou&* t*e S:/# $%$l4'i' o urb$% .o-oer$ti,e B$%9 $' $ 8*ole t*e%

+ 8ill i%d out t*$t it *$' $ ,er4 &ood 't$%di%& $t m$r9et l$ce $%d urb$% .o-

oer$ti,e B$%9 *$' ,er4 &ood im$&e $mo%& re'e%t ot*er b$%9' $%d *e '*ould

c$'* *i' im$&e b4 eecti,e u'e o m$r9eti%& mi6

+. ?rom t*e 'ur,e4 + ou%d t*$t lot o eole do%It $8$re o urb$% .o-oer$ti,e

B$%9 $%d it' $ll br$%c*e' #*e re'e$rc* 8*ic* + *$,e co%ducted5 + ou%d t*$t i

urb$% .o-oer$ti,e B$%9 8$%t' to 't$%d i% to o'itio% t*e% *e *$' to m$i%t$i% it

'el ir'tl4 i% 'ome $re$' li9e;

• Ad,erti'i%&

• Number o 'er,ice'



RECOMMENDATIONS < SU//ESTIONS

Duri%& t*e 'ur,e4 it i' ou%d t*$t urb$% .o-oer$ti,e B$%9 *$d $lre$d4 $ &ood

o'itio% i% t*e m$r9et $%d it i' $ o8erul b$%9 B4 t*e ollo8i%& recomme%d$tio%5

com$%4Cb$%9 c$% i%cre$'e *i' m$r9et '*$re;

#*e o8er o t*e bo$rd '*ould be dele&$ted to e6ecuti,e committee i% $ccord$%ce

o t*e co-oer$ti,e l$8 $%d b4 l$8 o t*e b$%9 or t*e 'moot* 8or9i%& o t*e

b$%9

2 #*e b$%9 '*ould urt*er 'tre%&t*e% it' '*$re c$it$l $%d re'er,e'

3 #o $dot me$'ure' to boo't reco,erie' o,er due' to ut ort* $%d imleme%t

'c*eme' o e%cour$&eme%t $%d re8$rd' i% t*e orm o i%ce%ti,e' m$4 ro,idedor &ood erorm$%ce

Proer 'uer,i'io%5 roer mo%itori%& $%d ollo8 u o lo$%' $d,$%ce' m$de

'tro%&

! #*e b$%9 '*ould be re$red t*e li't o NPA $ccou%t' to e%'ure co%ce%tr$tio% o

eort' to 'tre%&t* t*e reco,er4

#*e b$%9 '*ould $dot t*e co%cet' o co't eecti,e%e''5 cometiti,e%e''5

roe''io%$li'$tio% $%d $ccou%t$bilit4 ;

7 B$%9 mu't em*$'ie o% $d,erti'i%& $%d cre$ti%& cu'tomer $8$re%e'' B$%9

'*ould l$u%c* 'ome ot*er $d,erti'i%& c$m$i&% B$%9 '*ould $l'o i%cre$'e t*e

reue%c4 o old $d,erti'eme%t

F #*e B$%9 mu't $rr$%&e ,er4 8ell 'tructured $%d 'tro%& Di&t"ibuti% Net6%"1

6*ic* *$' $ m$jor *$%d i% t*e 'ucce'' o $%4 'er,ice

" B$%9 mu't ro,ide 'ome $dditio%$l 'er,ice' to cu'tomer' li9e %$tio%$lied b$%9'

or more cu'tomer '$ti'$ctio%5 b4 8*ic* $8$re%e'' o t*e cu'tomer 8ill $l'o

i%cre$'e



LIMITATIONS OF STUDY

#*e 'coe o t*i' roject reort i' limited or t*e re'e$rc* uro'e5 t*e 'ur,e4 i'

t$9e% rom o%l4 B$reill45 $%d 'o it m$4 %ot be e6$ct rere'e%t$ti,e o t*e ot*er citie' $%d cou%trie' cu'tomer'

2 #*e re'e$rc* 8or9 i' limited b4 t*e time = mo%e4 co%'tr$i%t'

#*e d$t$ *$' bee% collected t*rou&* r$%dom '$mli%& met*od t*rou&* 'ome o t*e

re'o%de%t m$4 *$d 'ome er'o%$l b$'ic' to8$rd' $ $rticul$r b$%9 $%d it' 'er,ice'



BIBLIO/RAPHY

M$%u$l o% b$%9i%&5 #$6m$% Public$tio%'5 200!5 Del*i

S1Si%*$5 ""F5Ru"!# C"edit !d C%%7e"!ti8e& i Idi!5 Del*i

$'$%t5 . @o'*i $%d i%$4 @o'*i5 ""F5>m$%$&i%& +%di$% b$%9' t*e c*$lle%&e

$*e$d>5 re'o%'e Boo9'5 Ne8 Del*i

?i%$%ci$l St$teme%t A%$l4'i' b4 Pe$r'o% Public$tio%' ?i%$%ci$l M$%$&eme%t b4

+M P$%de45 #$t$ McGr$8 ill Public$tio'

B$%9 i%ter%et 8eb'ite'

B$%9I' 'eco%d$r4 'ource' o d$t$ li9e A%%u$l Reort5 Broc*our etc

R11ot*$ri-Re'e$rc* Met*odolo&4



A!t%m

O$ T0e

W%"d P"%e9t





PROFILE

OF

URBAN

CO-OPERATIVE

BANK



SERVICES OF

BANK



LOAN

<

ADVANCESPROCEDURE



COMPARITIVE

STUDY

OF

HOME LOAN

OF

DIFFERENT

BANKS



RESEARCH

METHODOLO/Y



SWOT

ANALYSIS



DATA ANALYSIS

AND

INTERPRETATION





CONCLUSIONS

<

FINDIN/S

OF

STUDY



SU//ESTIONS

<

RECOMMENDATIONS



LIMITATIONS

OF

STUDY



Documents

Loan and Advances Procedures of Urban-Baroda-Punjab Bank.doc