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  • Submitted To Mr. Kiran Kothare: From Govardhan Ashok Tari Roll No-C 09

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    Vishakha Rudra
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    Thane Bharat Sahakari Bank Ltd is a cooperative bank with 17 branches and working capital of Rs. 80975.29 Lacs in 2009-2010. Deposits have increased from Rs. 28,295 in 2006 to Rs. 45,213 in 2010, with savings deposits growing and fixed deposits fluctuating. Profits also increased from Rs. 203 in 2006 to Rs. 350 in 2009. Documents required for a cash credit application include balance sheets, income statements, tax documents, and details of the business and collateral. Analysis of ratios like current, debt-equity, debtors turnover, creditors turnover, stock turnover, and net profit turnover are used to evaluate applications. Margin requirements for cash credit

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    Cash Credit GD

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    Thane Bharat Sahakari Bank Ltd is a cooperative bank with 17 branches and working capital of Rs. 80975.29 Lacs in 2009-2010. Deposits have increased from Rs. 28,295 in 2006 to Rs. 45,213 in 2010, with savings deposits growing and fixed deposits fluctuating. Profits also increased from Rs. 203 in 2006 to Rs. 350 in 2009. Documents required for a cash credit application include balance sheets, income statements, tax documents, and details of the business and collateral. Analysis of ratios like current, debt-equity, debtors turnover, creditors turnover, stock turnover, and net profit turnover are used to evaluate applications. Margin requirements for cash credit

    Copyright:

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    Download as PPTX, PDF, TXT or read online from Scribd
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    8 views9 pages

    Submitted To Mr. Kiran Kothare: From Govardhan Ashok Tari Roll No-C 09

    Uploaded by

    Vishakha Rudra
    Thane Bharat Sahakari Bank Ltd is a cooperative bank with 17 branches and working capital of Rs. 80975.29 Lacs in 2009-2010. Deposits have increased from Rs. 28,295 in 2006 to Rs. 45,213 in 2010, with savings deposits growing and fixed deposits fluctuating. Profits also increased from Rs. 203 in 2006 to Rs. 350 in 2009. Documents required for a cash credit application include balance sheets, income statements, tax documents, and details of the business and collateral. Analysis of ratios like current, debt-equity, debtors turnover, creditors turnover, stock turnover, and net profit turnover are used to evaluate applications. Margin requirements for cash credit

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 9

    Submitted to Mr.

    Kiran Kothare
    From Govardhan Ashok Tari Roll no- C 09

    BACKGROUND OF THE WORKPLACE

    Thane Bharat Sahakari Bank Ltd A cooperative bank 17 branches 2009-2010 Working Capital Rs. 80975.29 Lacs MPBF Rs. 6 Crore

    DEPOSITS

    28295

    33685

    39731

    41553

    8000
    3000

    7800
    3200

    10000
    4000

    14000
    3800

    18900
    5100

    2006

    2007

    2008 Saving Deposit

    2009

    2010 Fixed Deposit

    Current deposit

    45213

    PROFIT
    PROFIT

    203

    251

    291

    350

    2006

    2007

    2008
    Pr ofit

    2009

    2010

    154

    DOCUMENTS REQUIRED FOR CASH CREDIT

    The borrower and / or the guarantors have to provide the following documents to the banks or the lending institutions while submitting Cash Credit Application. Balance Sheet
    Project Report

    Income Statement

    Income Tax & Sales Tax Challan


    Brief Description of Nature of Business

    Rent Receipt / Electricity Bill / Letter from landlord / Copy of Shop and establishment license / Ownership Documents / Ownership Documents / Purchase deeds of Property
    Prime Security and Collateral Security

    ANALYSIS
    Current Ratio- ratio of 2:1 Debt Equity Ratio-ratio of 3:1 Debtors turnover Ratio- Standard debtors turnover ratio is considered below 90 days Creditors turnover Ratio- Standard creditors turnover ratio is considered below 180 days Stock Turnover Ratio- Standard stock turnover ratio is considered below 45 days Net profit Turnover Ratio- net sales is left for the owners after all expenses have been met

    MARGIN STIPULATION
    Category
    CASH CREDIT (HYPOTHECATION AND PLEDGE)

    Margin Requirement
    STOCK 25% STOCK VALUED AT COST OR SALE PRICE, WHICHEVER IS LESS DEBTORS 1) 40% 2) 25 % IF THE ADVANCE IS BACKED BY 100% COLLATERAL SECURITY OR AT THE DISCRETION OF SANCTIONING AUTHORITY

    Thank You !

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