A PROJECT REPORT

ON

TO ANALYSIS OF FINANCIAL CONDITION OF CHITTORGARH CENTRAL COOPERATIVE BANK (CCB)

SUBMITTED BY

- SHAILESH KANSAL

ACKNOWLEDGEMENT

The successful completion of this report would not have been possible without the cooperation and support of our friends & colleagues who has helped us in preparing this report.

I would like to thank respected Mr. Mohan Singh Sahay (M.D) of Chittorgarh Central Cooperative Bank for giving me this opportunity to undertake this project work. I would like to thanks to Mr. Dinesh Khatri,(Management section officer) who dedicated his precious time and his input in defining, the project and his valuable contribution to the design of the methodological framework, the management of the project, assistance in review of the reports, and the organization of a series of dissemination meeting.

I would also like to extend my thanks to respected ALL EMPLOYEES and other employees Hamza Hussain, of the bank for giving us valuable guidance.

Lastly a vote of thanks must be given to all the people who are directly or indirectly involved with the project work.

Thanks MBA

PREFACE
Banks are regarded as the blood of the nation‘s economy without them one cannot imagine economy moving. Therefore banks should be operated very efficiently, cooperative banks although a small part of whole banking system in India, but they are very important not only from economical point of view but also from social point of view as it is more concerned about common people‘s welfare and development. Advance is heart and recovery is oxygen for the bank and for the bank to survive it is necessary to give advances and recover the amount at the appropriate time. Through this project I have tried to cover the various aspects like credit appraisal, NPA management, recovery management, etc. E.g. this project covers all the areas right form the beginning like inquiry till the loan has been paid up. Though Loaning is, a very vast topic, I have tried to incorporate to the best of my capacity from all possible aspects in this project. I do hope that institution will appreciate this project.

CCB- Central cooperative bank

INDEX CHAPTER 1 –Introduction of Banking 1.1 Early History of Banking 1.2 Status Wise Bifurcation of Bank 1.3 Types of Bank CHAPTER 2 - Profile of the Bank
1.1

2.1CCB - CENTRAL COOPERATIVE

BANK

2.2

CCB at a Glance

CHAPTER 3 – Profile of the NABARD 3.1 Organization structure of NABARD 3.2 Introduction of NABARD CHAPTER 4 – Analyses Of financial condition CHAPTER 5 – Schemes and Interest rate Loan and Fixed Deposit CHAPTER 6 – CCB Management 6.1 Classification of Assets 6.2 Findings of CCB 6.3 CCB Reduction Technique CHAPTER 7 – Research Methodology CHAPTER 8 – Data Analysis and Interpretation REFERENCES AND BIBLIOGRAPHY

CCB- Central cooperative bank

CCB- Central cooperative bank

during simply an office for the transfer of the public debt. The Bank of Venice established in 1157 is supposed to be the most ancient bank. the business of banking is as old as authentic history. who received money on deposit. the Babylonians has developed a banking system.EARLY HISTORY OF BANKING As early as 2000 B. growing necessity forced the issued in the middle of the 12th century and banks were established at Venice and Genoa.Central cooperative bank . as to conduct private banking and to create confidence in it.. After a period of time. pledges. banking institutions have since than changed in character and content very much. many countries established public banks either for the purpose of facilitating commerce or to serve the government. the business of banking was carried on by drapers of Barcelona. The books of Manu contain references regarding deposits. This is true not only in the case of India but also of other countries. The Romans did minute regulations. in most crude from existed. there was a spread of irreligion. the banking in those days largely mint money lending and they did not know the complicated mechanism of modern banking. True. policy of loans. upon the revival of civilization. against security of land for 3 or 4 years. In India. However. Although. Again the origin of modern banking may be traced to the money dealers in Florence. and were lenders of money in the 14th century and also in 1349. it was not a bank in the modern sense. From these the poor citizens received loans without paying interest. banking. Loan banks were also common in Rome. which soon destroyed the public sense of security in depositing money and valuable in temples. as early as the Vedic Period. During the early periods. The priests were longer acting as financial 45 agents.C. They have developed from a few simple CCB. although private individuals mostly did the banking business. Originally. There is evidence to show the temples of Babylon were used as banks. and rate of interest.

Non-Scheduled Banks. which are licensed and whose demand and time liability are not less than 50 crores in 1987. Government of India notifies the Primary Banks. Government of India notifies the Primary banks.operation involving the satisfaction of a few individual wants to the complicated mechanism of modern banking.Central cooperative bank . involving the satisfaction of capital slowly seeking employment and thus providing the very life blood of commerce. THE ORIGIN OF WORD ‘BANK’ The word ‗Bank‘ itself derived from the word ‗bancus‘ or ‗banque‘ that is a French. which are licensed and whose demand and time liability are not less than 100 crores can only qualify to be included in the second schedule since 1993. Scheduled Banks In first schedule. CCB. There were others of the opinion that the word ‗Bank‘ is originally derived from the German word ‗back‘ meaning joint for which was Italianised into ‗banco‘. A bank becomes scheduled when it fulfils the followings: ‗A‘ grade rating from RBI Demand and Time Liability over 100 Crores Satisfy the RBI guidelines related to CRR and SLR As per the norms Priority Sector wise lending Benefits of Being a Scheduled co-operative are described below: RBI would provide Rediscounting facility at nominal rate RBI gives remittance facility at par The demerit of being a scheduled co-operative bank is that the bank will not get 0. STATUS WISE BIFURCATION OF BANKS Scheduled Banks.5% subsidy from RBI.

are called as a Non-scheduled Banks. the Government had then passed Reserve Bank of India Act. it casts greater responsibility on the banks in the maintenance of books of accounts and submission of returns.Central cooperative bank . CCB. accept deposits from local bodies. 1934 and established the Reserve Bank of India with effect from 1st April 1935. Non-Scheduled Bank The banks.The conferment of scheduled status on the banks has certain advantages like refinance facility. avail of Reserve Bank of India Remittance facility scheme. With this. The principal aim behind this was to organize proper control over the currency management in the interest of country benefits and to maintain financial stability. quasi-government organization. These are very small banks. At the same time. religious. Accordingly. and charitable institutions. directly industrial finance from Reserve Bank of India. TYPES OF BANKS Regional Rural Bank Nationalize Bank State Bank Group Co-operative Bank Private Bank Foreign Bank RESERVE BANK OF INDIA The Hilton-young commission. the RBI mainly looks after the following important functions: To keep effective control over creation of credits and currency supply To control the Banking transactions of Central and State Governments To act as Central administered Authority of all other Banks in the Country. appointed in 1926 has recommended the necessity of centrally empowered institution to have effective control over currency and financial transaction in the country. guarantees and cheques issued by Banks are accepted by Government Departments. which are not applicable as per the criteria of Scheduled Banks.

To organize control over Foreign Currency Transaction To assist for improvement in financial aspects of the country Nationalize Banks The Banking Company Act establishes it in July 1969 by nationalization of 14 major banks of India. to a large extent. The sent percent ownership of the bank is of government of India. also because of long working hours and speed of services. Co-operative banks work for its member and private banks work for earn profit. and rest of the part is some private ownership in the share capital of State Bank of India. which open its branch office in India and their head office is outside of India. Basic difference between cooperative banks and private banks is its aim. 1956. Foreign Banks Foreign Bank means multi-countries bank. In case of India Foreign Banks are such Banks. CCB. the subsidiary banks under the State Bank of India (subsidiary Banks) Act. This is also registered under the Company Act. The State Bank of India owns the subsidiary Banks. 1956.Central cooperative bank . Old Private Banks These banks are registered under Company Act. The Reserve Bank of India owns the State Bank of India. because of its variety of services and approach to handle customer. New Private Banks These banks lead the market of Indian banking business in very short period. 1955. State Bank Group The State Bank of India was established under the State Bank of India Act. 1959.

Central cooperative bank . while establishing a Regional Rural Bank at the request of a Commercial Bank. shall specify the local limits within which it shall operate.000 and bye-laws of which do not permit admission of any other co-operative society as a member. CCB. which has sponsored the proposal to establish it. the primary objective of which is the financing of other co-operative in that particular district. Co-operative Banks State Co-operative Banks State Co-operative Bank means the principal Co-operative society in the state. Primary / Urban Co-operative Banks The primary objective of principal business of which the transaction is of banking business and paid up share capital and reserve of which are not less than rupees 100. The Government of India in terms of the provision of the Regional Rural Bank Act 1976 has established these banks. The Central Government.Regional Rural Banks (RRB) Regional Rural Banks are added in Indian Banking since October 1975. The distinctive feature of Regional Rural Bank is that through it is a separate body corporate with the Commercial Bank. Central / District Co-operative Banks Central / District co-operative Bank means the principal co-operative society in a district. The primary objective of which is the financing other co-operative societies in the state. The Regional Rural Bank may establish its branches or agencies at any place within the notified area.

Central cooperative bank .CCB.

Jan. Bank has developed in manifolds with the time. Bank is celebrating its 42th anniversary this year.Central cooperative bank . 1959 Bank has made tremendous & real progress under the leadership of former Chairman Late Shri Bhagirath Joshi. During past years bank has played vital& leading role for the development of rural and tribal area. CCB is providing many types of loans and charge different rate of interest on different types of loans. Approximately 65 % members of this bank are SC/ST. India.CCB – KENDARIY SAHAKARI BANK CCB is a Co-Operative Bank in Chittorgarh district. CCB. CCB is a Co-Operative bank not a commercial bank. Chittorgarh is a tribal district and CCB is playing a lead role in development of rural and farmers. Bank was established on 15.

02% Profit & Loss Position (31.28 lakh Total outstanding loan(31.012) : 14470.04 lakh Recovery % (20011-012) : 75.3.91 lakh Working capital : 27245 lakh Establishment Expenses : 48.012) On Member On head bank : : 4638.1.CCB AT A GLANCE Registration Number : 214H Membership (31.57 lakh Loan Disbursement (2011-012) : 4638.012) : 19023041. Members : : 791.012) Total Member Loanee Member : 14268 (552) 7490(199) Share Capital State Govt.42 lakh 17757.Central cooperative bank .03 % Outstanding Demand (30.31 lakh NPA %31.08 : 47.31 lakh 38.05 accumulated profit CCB.1.3.3.

CCB.Central cooperative bank .

small-scale industries. cottage and village industries.Organization Structure of NABARD Introduction Of NABARD NABARD is set up as an apex Development Bank with a mandate for facilitating credit flow for promotion and development of agriculture. promote integrated and sustainable rural CCB.Central cooperative bank . It also has the mandate to support all other allied economic activities in rural areas. handicrafts and other rural crafts.

the Reserve Bank of India and other organizations in matters relating to rural development    Offers training and research facilities for banks. monitoring 4.57. health and education.309 during 2004-2005. rural roads and bridges. etc. NABARD also: Acts as a coordinator in the operations of rural credit institutions Extends assistance to the government. state cooperative banks.31. Providing refinance to lending institutions in rural areas 2.59.  As on 31 January 2007 through the Rural Infrastructure Development Fund (RIDF).   Some of the milestones in NABARD's activities are:  With its effective overseeing and monitoring of the implementation of the Government of India's programme to double the flow of credit to agriculture over a three-year period from 2004-2005. Rs.25.37 crore. soil conservation. drinking water schemes.702 projects covering irrigation.795. cooperatives and organizations working in the field of rural development Helps the state governments in reaching their targets of providing assistance to eligible institutions in agriculture and rural development Acts as regulator for cooperative banks and RRBs. Developing among hosts of other infrastructures. RRBs and other eligible financial institutions aggregated Rs 8.development and secure prosperity of rural areas. Bringing about or promoting institutional development and 3. In discharging its role as a facilitator for rural prosperity NABARD is entrusted with: 1. and inspecting the client banks Besides this pivotal role.35crore have been sanctioned for 2. Ground level credit flow to agriculture and allied activities reached Rs 1. CCB. state cooperative agriculture and rural development banks. the total disbursement of credit reached Rs 1.Central cooperative bank .622. Evaluating.  Refinance disbursement to commercial banks.480 crore in 2005-2006.

6239 primary health centres and provide drinking water supply in 7267 villages  Watershed Development Fund .578. with cumulative sanctions of Rs. has created a People‘s Movement in rural India. Reserve Bank of India on November 28. The Reserve Bank had onerous responsibilities to discharge in respect of its many basic functions of central banking in monetary and credit regulations and was not therefore in a position to devote undivided attention to the operational details of the emerging complex credit problems.  CRAFICARD also found it prudent to integrate short term.34 lakh persons with 10. District Rural Industries Project (DRIP) has generated employment for 23.95 lakh units in 105 districts. The Parliament through the Act 61 of 81. Genesis and Historical Background:  The Committee to Review Arrangements for Institutional Credit for Agriculture and Rural Development (CRAFICARD) set up by the RBI under the Chairmanship of Shri B Sivaraman in its report submitted to Governor. medium term and long-term credit structure for the agriculture sector by establishing a new bank.  The Committee after reviewing the arrangements came to the conclusion that a new arrangement would be necessary at the national level for achieving the desired focus and thrust towards integration of credit activities in the context of the strategy for Integrated Rural Development. approved its setting up. Similarly. 1979 recommended the establishment of NABARD. It was set up with an initial CCB.50 lakh Kisan Credit Cards that have been issued through a vast rural banking network.Central cooperative bank . This paved the way for the establishment of NABARD. Against the backdrop of the massive credit needs of rural development and the need to uplift the weaker sections in the rural areas within a given time horizon the arrangement called for a separate institutional set-up.95 crore for 427 projects in 124 districts of 14 states. NABARD is the result of this recommendation.RIDF will create 20971 schools.   Farmers now enjoy financial access and security through 582.

The main objectives of the NABARD as stated in the statement of objectives while placing the bill before the Lok Sabha were categorized as under :  The National Bank will be an apex organisation in respect of all matters relating to policy.Central cooperative bank . In pursuing this mission. ensuring the proper functioning of cooperative banks and regional rural banks Objectives: NABARD was established in terms of the Preamble to the Act. fully subscribed by the Government of India and the RBI. issuing policy and operational guidelines to rural financing institutions and providing credit facilities to eligible institutions under various programmes   Development functions. monitoring the flow of ground level rural credit. NABARD focuses its activities on:  Credit functions. which was enhanced to Rs 2. institution building and other innovative initiatives. Mission:  Promoting sustainable and equitable agriculture and rural development through effective credit support. concerning reinforcement of the credit functions and making credit more productive Supervisory functions. cottage and village industries. handicrafts and other rural crafts and other allied economic activities in rural areas with a view to promoting IRDP and securing prosperity of rural areas and for matters connected therewith in incidental thereto". related services. small scale industries. "for providing credit for the promotion of agriculture.000 crore.capital of Rs 100 crore. planning operational aspects in the field of credit for promotion of CCB. involving preparation of potential-linked credit plans annually for all districts of the country for identification of credit potential.

Agriculture. Major Activities:  Preparing of Potential Linked Credit Plans for identification of exploitable potentials under agriculture and other activities available for development through bank credit. Cottage and Village Industries. Refinancing banks for extending loans for investment and production purpose in rural areas. On-site inspection of cooperative banks and Regional Rural Banks (RRBs) and iffsite surveillance over health of cooperatives and RRBs. Supporting credit innovations of Non Government Organizations (NGOs) and other non-formal agencies.Central cooperative bank . Small Scale Industries.    The Bank will serve as a refinancing institution for institutional credit such as longterm. CCB. Handicrafts and other rural crafts and other allied economic activities in rural areas. short-term for the promotion of activities in the rural areas. Extending formal banking services to the unreached rural poor by evolving a supplementary credit delivery strategy in a cost effective manner by promoting Self Help Groups (SHGs)   Promoting participatory watershed development for enhancing productivity and profitability of rainfed agriculture in a sustainable manner. The Bank will have organic links with the Reserve Bank and maintain a close link with in. The Bank will also provide direct lending to any institution as may approved by the Central Government.     Refinancing banks for extending loans for investment and production purpose in rural areas.

CCB.Central cooperative bank .

3. Debit Accounts are Assets and Expenses. It also enables the offsetting of payment flows between geographical areas. Conversely.Central cooperative bank . This means you credit a credit account to increase its balance. reducing the cost of settlement between them. present. Credit intermediation – banks borrow and lend back-to-back on their own account as middle men CCB. or by drawing a cheque that the payee may bank or cash. They are effectively transferable by mere delivery. Your savings might be your assets. 3. and not you. and pay payment instruments.5 Economic functions 1. in the form of banknotes and current accounts subject to cheque or payment at the customer's order. while you credit your credit card account every time you spend money from it (and the account is normally in credit). it will say the opposite—that you credit your account when you deposit money. they are done so from the viewpoint of the account holder—which is traditionally what most people are used to seeing.Where bank transactions. These claims on banks can act as money because they are negotiable and/or repayable on demand. balances. your loans are your liabilities but the bank's assets.However.4 Accounting for bank accounts Bank statements are accounting records produced by banks under the various accounting standards of the world. you have a positive (or credit) balance. and you debit a debit account to increase its balance. 2. This enables banks to economies on reserves held for settlement of payments. credits and debits are discussed below. so they are debit accounts (which should have a also have a positive balance). if you read your bank statement. The reason for this is that the bank. since inward and outward payments offset each other. Under GAAP and IFRS there are two kinds of accounts: debit and credit. Credit accounts are Revenue. if you are overdrawn. Equity and Liabilities. so they are credit accounts (which should have a positive balance).3. participating in interbank clearing and settlement systems to collect. in the case of banknotes. and you debit it when you withdraw funds.[7]This also means you debit your savings account every time you deposit money into it (and the account is normally in deficit). If you have cash in your account. Issue of money. be presented with. you have a negative (or deficit) balance. Netting and settlement of payments – banks act as both collection and paying agents for customers. and hence valued at par. has produced the bank statement. but the bank's liability.

withdrawals and redemptions of banknotes).g. accepting deposits and issuing banknotes) and redemptions (e. Account maintenance fee of Rs. investing in marketable securities that can be readily converted to cash if needed. Conditions Apply:1. There is two part of financal condition of the organtionation that is main part of the orgationation One is the Libilites and another is Asstes of organation at the CKSB Bank is financal condition is allso better other sahkari bank cous the funding is provied of nabard. if the bank gets into difficulty and pledges assets as security. The improvement comes from diversification of the bank's assets and capital which provides a buffer to absorb losses without defaulting on its obligations. Credit quality improvement – banks lend money to ordinary commercial and personal borrowers (ordinary credit quality). but are high quality borrowers. wholesale cash markets and securities markets). 100 per annum Average Balance Requirement : This account is offered with the requirement of maintaining the half-yearly average balance of Rs 100 only CCB. this puts the note holders and depositors in an economically subordinated position.4. 2. Maturity Transformation – banks borrow more on demand debt and short term debt. banks can do this by aggregating issues (e. maintaining reserves of cash. but provide more long term loans. and raising replacement funding as needed from various sources (e. 5. With a stronger credit quality than most other borrowers. to raise the funding it needs to continue to operate. Initial funding of Only 100 rs. they borrow short and lend long. Types of Saving Account In CKSB Bank  Zero Balance Savings Account At Axis Bank it has been constant endeavor to create products specifically catering to your needs. SAVING ACCOUNT INFORMATION Definition: A deposit account at a bank or savings and loan which pays interest. 6.g.g. The account while offering a whole range of services also addresses your latent need of having an account without the hassle of maintaining an average quarterly balance. In other words. but cannot be withdrawn by check writing. However.Central cooperative bank . banknotes and deposits are generally unsecured.

147.264.618.33 20.124.351.23 3.205.708.289.889.00 11.00 20.00 2.000.Central cooperative bank .656. On Bad and Debts (m) Risk fund (n) Reserve for conveyance (o) Reserve Guarantee Commision (p) Pro.854.of intt.80 1.737.71 1. (u) Provision for Erosion in Investment (v) Provision for Branch adjustment (w) Provision for Gratutity HEAD OFFICE 21.289.481. Debts (b1) Reserve For Subsidy Computer (c )Building Fund (d) Agricultural credit stabilisation (e) Dividend equilisation (f) Special bad debts reserve fund (g) Investment depriciation fund (h) Education and publicity fund (i) Public good fund (j ) Gratutity fund With Lic (j ) Leave Encashment with LIC (k) Admission fees (l) Prov.77 1.00 8.00 71.00 64.10 35.289.815.393.00 CCB.416.27 175.33 2.000.242. Manager (q) PACS Development Fund (r ) Reserve cadre Authority (s) Provision Standard Assets (t) Rehabilitation fund of week farmers socs.506.00 1.00 121.217.00 FUND (a) Reserve fund (b) Reserve for Bad & D.00 20.513.428.519.34 104.88 12.000.00 5. Of intt.819.440. Socs.500.000.789.532.200.723.19 925.978.047.476.00 493.000.000.102.990.00 1.506.00 1.LIABILITIES CAPITAL (a) Government (b) Primary Societies 93.146.500.453.

P.000.860.388.182.Fund LOANS CASH CREDIT AND OVERDRAFT (From Apex Bank) (d) S.367.00 8.T. Fixed deposit matured but undrawn 5.65 26.Salary Security Fund (a2) Unclaim Fund 216.Mgr.00 CCB.30 90.149. Primary societies 2.37 96.674. To pledge/hpt 79.381.T.114. Loan (Agricultural) (e) S. Primary societies 2.036. Storage project 4 .492.43 (b) Saving Bank 1.705. Primary societies 2. Individuals (j ) Staff provident fund deposits (l ) F.C.00 DEPOSITS 891.13 (f ) Call deposits 1.554.849.00 542. Individuals 3.238. Thirft certificate (h) Risk fund (I ) Security staff (k) Special bad and doubtful debts reserve 1.86 (C) Recurring deposits (d) Fixed deposits 1.000. Loan Krishak Mitra Yojna 5. Individuals (f) Meera Panch varshiya Nakad patr (e) Five year Coop. C.967. Primary societies 3. For Income Tax (z) Coorps Fund (a1) Socs.62 (p) Sub state partnership fund (q) Borrowing from State Revo.500.(x) Provision for ARDR Claim (y) Prov. Individual 935.126.00 185.555. Fund (a) Current deposits 1.170.02 6. Supervisoury fund 2.317.Central cooperative bank .

00 (Q) MTC (R) (F) M.500.000.478.T.000.D.T.422.000.078.T.12 - CCB.B.500.00 6.00 1.T. Reschedulement Borrowing Apex Bank (m) Tractor mech.000. Cash with other Bank BRANCH ADJUSTMENTS BILLS FOR COLLECTION 27.00 72. A.00 (g) M.O.T.I.732.T.000.T.00 (n) Overdraft (with apex Bank) 1.(f) N.P.495.200.310. SHG Borrowing Apex Bank 25. Udaipur 3.T. Fodder Borrowing Apex Bank House Loan (rural ) Borrowing Apex Bank (c ) M. Conversion (Q) MTC NODP () MT/ panchamrit Yojana (R) MT Composite Loan (NFS) ( q) MTC DTP apex bank 49. Jaipur 2.000. (ST) (r ) S.00 42. Loan Other Farm Sector M.000.00 1. IDBI Udaipur (r ) Consortium finance (L) Renewal Fund 643. Non Farm SRTO (q) Intrigrated 643.647.060.S Farm Sector (p) M. M.D.218. M.Dairy (I ) ARDC Loan (o) SGSY FARM (w) MT Sugam Credit Card/S.Yojna Loan Boro.00 Computer Loan From Apex Bank C.000.000.00 465.000.768.00 M.017.478.00 25.00 2.200. M. DTP 100.Central cooperative bank .500.690.T.500.

825.309.00 791.22 485.08 321.023.Central cooperative bank .571.00 352.022. AND CONTT.40 9.05 17.033.B.420.942.682.(a) I.02 6. For Income Tax Venchar Capital loan A/C INTEREST SUBSIDY ON GOVT.B.000. MARGIN MONEY ESTT.C.159.611.22 18.464.221.235. GRAND TOTAL 2.424.54 6.023.360.762.002.398.50 CCB.82 27. OF INDIA 2% INTEREST PAID ON DEPOSITS INTEREST RECEIVED (a) Consortium IFFCO (b) Consortium finance (c) Borrowing and overdraft (d ) From investment (e) From loans advances (f) Nabard Relief Fund PROFIT AND LOSS (A) year 2002-03 (b) yearly 2003-04 (c) yearly 2004-05 (d) yearly 2005-06 (e) yearly 2006-07 (f) yearly 2007-08 (g) yearly 2008-09 (h) yearly 2009-10 STATIONERY SOCS.54 8.57 19.190.07 19.257.125.476.00 19.851.C. (b) O. INTEREST PAYABLE ON DEPOSITS SUNDRIES AND OTHER LIABILITIES (a) Sundry creditors (b) Share application money (c ) Subsidy (d) Draft payable (e) Prov.

00 CCB.234.Central cooperative bank .T.00 19.737.41 524.000.500. SOCS. A/c (UDR) (e) With other Bank in C.458.10 9.238.ASSETS CASH (a) Cash in hand (b) With Notified Bank C.D.D.T.800.040.108.67 3.00 17.000.270.345.23 2. (f) S.D. Loan (Agri.464. NODP (W) HEAD OFFICE 45.73 4. NODP (N) (I ) S.000.634.800. Socs. Securities (e) Nabard Bond (f ) Shares of Apex Bank (g) Shares of others (h) Employees Group Gratitu Schem (LIC) (h) Employees Group Leave Encashment (I ) Share of Pri.Loan (Agri. A/c (c )With Apex Bank C.81 (h) S.953.990.841.T.000.513.000.00 130.D. (j ) ARDR Scheme LOANS TO CO-OP.456.949.200. A/c (JPR) (d) With Apex Bank C. IDBI Udaipur A/c (f) With other Bank in C.) (W) 710.60 2.05 90.113.00 20.719.00 20.000.00 26.205.) (N) (g) S.00 1.D.500. IDBI Chittorgarh A/c (g) Post Office CALL DEPOSIT WITH BANKS (a) With apex Bank (b) With Notified Banks (c ) With other Banks FIXED DEPOSITS (a) With apex Bank (b) With Notified Bank (c ) With other Banks INVESTMENT (a) SIDBI BOND (b) UTI (c ) RFC BOND (d) Govt.T.

C.Normal ( Chara) (q) ARDC Loan (s) SJSY Farm 178.000.00 (o) MTC NODP (N) (p) MTC NODP (W) 38.870.371.00 (p) MTC DTP (N) (p) MTC DTP (W) 7.078. CASH CREDIT TO SOCS.786.612.00 (p) MTCR (N) (p) MTCR (W) (l ) M.00 (I) M.T.T.T. (a) C.T.872.876.40 (n) Tractor Societies (k) Dairy Societies (u) Loan ag.81 (k) Krishak Mitara Yojna (m) MTC Normal (n) MTC Week 588. (a) C.00 (J) S. Non Agri.G.T.T. to Agri. FD socs.377. Socs. DTP (W) 93. to Coop.551. (x) S. Socs.340.T. NOR NON FARM (r ) MT Non Farming (t) SJSY Non Farm (w) M.472. Normal Term loan reschedulement 2004 M.638.337.00 633.311. CCB.428. POP 36. Composite Socs.H.32.C.717. DTP (N) (k) S. (v) S.T.Central cooperative bank .00 836.661. M.

88 CCB. account (o) C. to Staff (r) MT LOAN AGRI.(b) Marketing socs. to C.C.D.C.081.Individual ( p) C.(pledgloan) (c ) Marketing socs (Hypo.D. Pacs Manager (Q) C. (l) Commercial vehicle (m) Tractor Machinasition ind. Loan) (d) Consumer Stores (pledge loan) (e) Consumer Stores (Hypo.T. (j) Dairy Individual (l ) Krishak Jyoti Yojna (c ) SSI Term Loan TERM LOAN TO SOCS Term Loan to D/H Hotal ( w) Women Socs Loan non agri ind (d) SSI Working Capital (f) O.Central cooperative bank .697.R. INDIVIDUAL (s)Plantation & Horticulture/UDYAAN (t)Vishwas Yojana 1.C. Loan) (I) Forest Labour (g) Supervissory fund DUES FROM SOCIETIES UNDER LIQUDATION LOAN TO INDIVIDUAL (a) Against FDR (b) Against RD (c ) Against NSC (d) House loan (janmangal yojna) (d) House loan(staff) (e) Clean loan to staff (E) RIDHI SIDHI YOJNA SUGAM CREDIT CARD Swarojgar Credit Card Swarojgar yojna Artijan Credit Card Yojna Gyan Sagar Yojna (f) Personal loan (g) Consortium Finance (h) S.O.

69 11.505.029. Scheme (b) Loan and Advances (c )From Investment (d) Subsidy apex bank (e) Intt.127. Subsidy on Govt.991. Waiver & Debt.37 1.Central cooperative bank .144. WITH REGIONAL COMMISSIONER INTEREST RECEIVABLE Consortium (a) A.75 5.00 CCB.(u)Panchamrit Yojana/Vermi compost (v)Gramin Godown (w) Property Mordgage Venchar Capital loan A/C FURNITURE FIXTURE LAND AND PREMISES VEHICLE ACCOUNT STATIONERY STOCK (a) Bank Use (b) For Societies SUSPENSE ACCOUNT LIBRARY EMPLOYEES P.R.D.513.792.865. SUNDRY DEBTORS INTEREST RECEIVABLE From Govt-Nabard-20% INTEREST PAID ON DEPOSITS INTEREST PAID ON BRANCH BORROWING.22 3.79 5.416.083.00 2. Debt.116.00 54.221. LOSS FOR THE YEAR ESTT.00 21. OF INDIA 25% GRAND TOTAL 12.705. Sec.385.942.919.00 2. BRANCH ADJUSTMENT AMOUNT RECEIVABLE ARDR SCHEME GRATUTITY FUND INTEREST SUBSIDY ON GOVT.976.D. Agri.02 707.041.913.960.709. OF INDIA 2% RELIEF FUND SCHEME GOVT.R.971.689.40 1. Relief Scheme INTEREST PAID ON CONSORTIUM INTEREST PAID ON LOANS BORROWING AND O. AND CONTT.661.838.00 90.F.182.436.023.53 295.00 406.

the cash account of branch will be credited CCB account will be debited. • The operator as per the following form will enter the details of these amount transfers to and from CCB in the system: • • In case cash will be received from the CCB. When cash will be paid to the CCB. CCB. subsidy amount. to PLDB from time to time. share money amount etc. • Similarly the branch will receive the loan reimbursement amount. accidental insurance amount etc.Central cooperative bank .CASH TRANSACTIONS WITH PLDB • The branch will send the loan recovery amount. the cash account of branch will be debited and CCB account will be credited. from CCB. share money amount.

CCB.Central cooperative bank .

Interest rate is 11 % at present.Central cooperative bank .Main Loaning Sector & Purpose Minor Irrigation New Well Old Well Farm Non Farm Mechanisation Sector Tractor SRTO Trolley Small Scale Industries Diversify Dairy Land Development Rural Housing New Houses House Repairing Crop Loan Crop Loan Pump set Sprinkler Field Channel Generator set Light Security Drip Irrigation Thresher Other Ag. The main crops are Maize. Equipment High Plantation & Education Horticulture Tiny Sector Forestry & Waste land Development Swagojgar Poultry Credit Card Rural Sheep/Goat/Piggery Artisans/ Handicrafts Handloom/ Powerloom Fisheries Storage Godown/ Cold Storage Vermicompost Bio Gas Many types of loans are provided by the bank some mainly given loans are: 1. Groundnut and Soya bin etc. CCB. Wheat. Corp loan:     Bank providing loan for crop. the requirement of credit is estimated keeping in view scales of finance and the area cultivated under each crop. Accordingly. Mustard.

Plantation and Horticulture:    Major horticulture crops grown in the district Guava. It also helps minimizing the cost of cultivation as also increasing cropping intensity. funding. Farmers are showing interest towards horticulture activities. animal husbandry sector becomes one of the main sources of income for the farmers.Watershed development is generally being done through Govt.35 lakh. Animal Husbandry:    This sector assumes great importence as it forms integral part of rural economy in the district. Piggery. As there is frequent occurrence of drought conditions in the district. Investment credit for Agriculture: A. During 2008-09 credit flow to this sector was Rs 7. Dairy. and Poultry farming are major allied activities of the rural people.2.39 lakh. Citrus and Aonla. During 2008-09 credit flow to this sector was Rs. There is good scope of financing tractors in the district. E. These activities are needed for improving water management aspects of irrigation. bunding and soil conservation. D. B. Goat rearing. During 2008-09 credit flow to this sector was Rs 0. farm pond. CCB. productivity and adoption of multiple cropping. land leveling. engergisation of pump set and water conservation devices such as sprinkler and drip irrigation system.55 lakh.44 lakh. Mango.14. C.Central cooperative bank . Vermicompost technology has immense potential to meet organic manure requirement in both irrigated and rain fed area. Farm Mechanization:    Farm mechanization is essential for increasing production. During 2008-09 credit flow to this sector was Rs 35. Land Development & Dry land Agriculture:     Major activities covered under land development are land reclamation. Minor irrigation:   This financing is proposed for replacements of pump sets. Sheep. vermicompost and integrated watershed development.

99 lakh. service. Other Priority Sector:  The activities grouped under ‗OPS‘ or ‗Services and Business‘ sector are considered vital for sustaining the developmental activity in other sector of the economy. Non-Farm sector:     Promotion of rural non-farm sector is essential for creating employment opportunities in rural areas. G. medium and small scale industries in the district. CCB. This sector offers immense potential in the district. F. Borrower should have agriculture land. During 2008-09 credit flow to this sector was Rs. manufacturing processing. As per occupational pattern around 10% of the total work force in the district is engaged in household industry. During 2007-08 credit flow to this sector was Rs 11.Central cooperative bank . repairs and other work. G. 9.95 lakh. There are good number of large. Rural housing:   Bank is also providing the loan for built new houses and repairing..

Central cooperative bank .3.75 10. FM.2008 and charged by more than 11% interest rate they will be charged by 11% interest rate from 1.RH.75 10. Rural SHG. 2009.50 12.2009.50 12. Org. SHG.0 0 12.00 12.75 12.00 10.Agri NFS S Purpose Clinic.00 1. Up to Rs. CCB. 500000/Above Rs.50000 /CORP LOAN A 9. According to that scheme all those loans which were disburse before 31..50 8. A&M. Clinic. SGSY.RH. CCB followed the rules and regulation of NABARD .4.Farming . June. Cold storage.50 11.Farming Cold A&M storage.00 Rate of interest charged by CCB to BORROWER NF MIS FM. SGSY. & Other all purpose B 9. No. Loan Amount Rate of interest charged by CCB MIS Purpose. A. Sr.00 12.00 Note:. Org.Agri. Godwon & Other all purpose C A B C 9. 2.Interest rates This rate of interest are Charged by CCB And CCB to BORROWER from 1. Rural Godown.In year 2009 the resetting scheme was announced by the bank.

Central cooperative bank .CCB.

Monthly Last date of month.30.and 31.April of every year 30.no 1 2 3 Type of loan Yearly Half yearly Quarterly Due date 30.Dec.Sep. month.30.25 % Over due a/c from Over due a/c from 90 days 180 days Sub Standard Over due a/c from Over due a/c from 90 days to 10 % 180 days to 36 36 month.June.Term loans : Mainly there are three types of loan.Mar. 4 to 6 year 30 % More than 6 year 50 % Loss Assets Account which are Account which are marked 100 % marked by auditor by auditor and those which and those which overdue from long time and overdue from long less possibilities to recovered time and less loan. 36 month. Nil Grace period 1 month Nil Nil Classification of assets: Category Standard Agriculture Loan Non-Agriculture Loan Provision % . CCB. And there due dates are like that: Sr.and 31. to possibilities recovered loan.March 31.Sep. 4. Doubtful Over due a/c from Over due a/c from more than 3 to 4 year 20 % more than 36 month .Central cooperative bank .

Central cooperative bank . the current net worth of the borrower/guarantors or the current market value of the security charged is not enough to ensure recovery of the dues to the banks in full.Asset classification The co-operative banks should classify their assets into the following broad groups. which does not disclose any problems and which does not carry more than normal risk attached to the business. Classification Of Non-Performing Assets After identification of borrowed accounts as NPA the next stage is asset classification Standard assets Standard Assets is one. Such as asset should not be an NPA. if deficiencies are not corrected. such assets will have well defined credit weakness that jeopardize the liquidation of the debt and are characterized by the distinct possibility that the banks will sustain some loss. A NPA was defined a credit facility in respect of which interest and/or installment of principal has remained ‗past due‘ for a specified period of time. viz. Which accounts are regular or cover due installments are less than six is called performing assets. Performing assets: Which accounts are not in performing are performing assets. CCB. In other words. Sub-standard assets In case of sub-standard assets. Asset here also includes a leased asset. Performing assets Standard assets Non-performing assets Sub-standard assets Doubtful assets Loss assets Non-performing assets: NPAs are loans given by a bank or financial institute where the borrower defaults or delays payments of interest or repayment of principal.

the classification of an asset should not be upgraded merely as a result of rescheduling. A loan classified as doubtful thus all the weakness inherent as that classified as substandard. such an asset is considered un-collectible and of such little value that its continuance as a bankable asset is not warranted although there may be some salvage or recovery value. in other words. conditions and values.Central cooperative bank . on the basis of currently known facts. Findings for NPA   Improper selection of borrowers activities Weak appraisal system for credit proposal industries problem/prospects not locked into   Managerial competence of borrower given less consideration Irregularities in deficiencies in documentationUndated Not renewed  Assessment of borrower and guarantors net worth on market opinion CCB. Doubtful assets An asset is required to be classified as doubtful. if it has remained in the sub-standard category for 12 months. wholly or partly. with the added characteristic that the weaknesses make collection or liquidation in full. rescheduling does not entitle the bank to upgrade the quality of an advance automatically. Loss assets A loss asset is one where loss has been identi fied by the bank or internal or external auditors or by the co-operation department or by the Reserve Bank Of India inspection but the amount has not been written off. In other words. should be classified a sub standard and should remain in such category for at least 18 months of satisfactory performance under the re-negotiated or rescheduled terms. highly questionable and importable.An asset where the terms of the loan agreement regarding interest and principal have been re-negotiated or rescheduled after commencement of production. As in the case of sub-standard assets. unless there is satisfactory compliance of this condition. If interest and installment of loans have been paid regularly as per the terms of re-scheduled.

associates useful Medium size NPA (once Rs.Legal action is time consuming .Central cooperative bank .             Lack of review of borrowed accounts Inadequate staff to contact borrowers frequently Lack of proper follow up by banks Failure to take punitive (strict and effective) actions against defaulters Bank‘s failure to appreciate the acts of prompt repayers Under financing/non financing in time of projects Mentality and attitude to default willfully Non action/co-operation of government agencies in recovery Effect of agricultural debt relief scheme Inadequate monitoring of court cases and delays in execution Socio-physical pressure by some people/activities Target fulfilling under govt.5 lakh and up to Rs. 25 lakh) .1 lakh) .Influence of other local persons‘ contacts helpful NPA-larger than small but medium (above Rs.Mobilizing liquid cash for meeting the debt is not difficult .SWOT analysis and analysis of security will be helpful CCB.1 lakh and up to 5 lakh) .Branch team can talk to the borrower and work out the repayment programmer .Debts can be settled through Lok Adalat .Written remedies and repeat personal calls help mostly .Influence of trade professional circles. poverty alleviation programme Lack of income generation due to natural calamities and other uncertainties Suggestions NPA reduction techniques: Small NPA loans (loans up to Rs.Repaying capacity can be easily gauged .

Calls for intervention not only by head office staff but also specialists and senior management .Legal. 25 lakh) .O..Central cooperative bank .of state govt. and SFC in selling assets .Branches should take advice of H.Whether to have legal action or to go for compromise .Threat of winding up action would be useful CCB.Take legal advice Large NPA (over Rs. from time to time . technical advice called for .

CCB.Central cooperative bank .

 The exclusive schedule bank in Pratapgarh and hence gets priority over the others. prediction is done and full information about group is integrated. is nothing but selecting pockets or samples representing the whole group and analysis of these samples gives the idea about the respective groups. On the basis of this. Salient features of my chosen sample  The Leading co-operative bank having head office in my vicinity enables me to do my work efficiently. out of which one I have chosen is ―sampling method‖. is selection of sample should be such that it should represent the whole group and information we get from them should be cent percent reliable. in order to have great accuracy. It saves the time and energy. still producing accurate results. Collection of DATA: Data are only collected from secondary sources. This is the striking feature of my sample. Primary data has not been used. Though this is not a first hand method.  Generally the new bank lacks the experience so it is mandatory to select a sample. Secondary Data : Factsheets Internet Pamphlets etc CCB. under the lights of which work becomes easier.RESEARCH METHODOLOGY There are many methods. Sampling in laymen‘s language. which is really easier. which has enormous experience.Central cooperative bank . CCB has a gigantic experience of successful 42 years. it gives sufficiently good outcomes if used carefully by experts. which are well known today for research methodology. The only care should be taken.

CCB.Central cooperative bank .

1.53 Amount (in Lakhs) 80 60 40 20 0 2006-07 2007-2008 2008-2009 28.39 28.97 110.14 113.44 83.58 82.Central cooperative bank .14 28-39 110. total 2009-2010 85-44 28-39 113-83 2010-011 83-58 28-39 111-97 2011-2012 82.53 Share capital 120 100 85. Total Year Conclusion: According to this figure and graph this is shows that the share capital of the bank is regularly reducing and the reason behind is that the loan disbursement is also decreasing from last few year. Share Capital: Particulars Members State govt.39 28.83 111.39 Member State Gov. CCB.

Central cooperative bank . in 2006-07 it was suddenly decrease but in year it increase. Loan disbursement: Particulars Target Achievement 2009-2010 150 94.2.12 Target Achievement Conclusion: Loan disbursement is not constant.12 2010-011 150 125 2011-2012 150 124. CCB.09 Loan Disbursment 160 140 Amount (in Lakhs) 150 150 125 150 124.09 120 100 80 60 40 20 0 2006-07 2007-2008 2008-2009 Year 94.

march.56 11.31 37.34 128.08 502.87 128.94 Amount(in Lakhs) & % 1000 800 600 400 180.31 37.09 Year Conclusion: Recovery of Bank is not according to the demand because of many reason like many rebates are provided by bank in between the recovery period.34 575. Recovery Particulars Demand Recovery Balance recovery% 2009-2010 682.37 2008-09 31.94 180.81 Recovery 1200 1086.65 682.31 958.08 200 0 2006-07 Dem and 338.87 913.03 31.37 2010-2011 2011-2012 913.65 338.Central cooperative bank .012 1086. CCB. many times people not pay the money etc.03 2007-2008 11.3.86 26.m ay.81 Recovery Recovery% 26.

4 6.77 2.77 2.35 7.4 200 0 2006-2007 2007-2008 2008-2009 30.35 7.63 Loan from SLDB 1600 1384.08 107.93 30.87 2011-12 1407.93 1400 1200 1417.Central cooperative bank .19 1407.22 2010-2011 1417.19 Amount & % 1000 800 600 400 97.87 107.19 97. CCB. Loan from CCB Particulars Outstanding Overdue principal OD% from totalo/s 2009-2010 1384.22 6.63 Outstanding OD principal OD % YEAR Conclusion: Many time CCB borrow money from LOAN to lent their customer.4. From last three it is increase regularly and overdue is also increasing every year.

99 2014.47 15.62 2006-2007 14.9 0. 1000 Total est.53 0. But the total establishment expenses is less than 1 it is the good thing about the bank.59 0. CCB.99 14.25 11.62 2010-011 1999.73 2007-2008 15.73 2011-012 2014.77 Establishment expenses 2500 1922. % 500 11.59 0.5.77 2008-2009 Year Conclusion: Total working capital requirement of bank is increasing and total establishment expenses is also increasing. % 2009-2010 1922. Establishment Expenses: Particulars Working capital Total Est.9 0 0.47 Amount & % 1500 W.C.53 0.exp.25 2000 1999.exp.Central cooperative bank .

48 Amount(in Lakh) -50 -100 -150 -200 -250 -300 -350 20062007 20072008 -34.18 -273.Central cooperative bank . CCB.06 28. Profit & Loss Position: Particulars Profit during the year Accumulated P & L 2009-2010 29.06 -301.67 2010-011 28.39 Profit & loss Position 50 0 29.6.67 -307.21 -301.18 -307.21 2011-012 -34.39 20082009 Profit during the year Accum ulated P&L Year Conclusion: In 2006-07 & 2007-08 the in profit but in 2008-09 it in loss and bank incurred accumulated loss because of NPA provisions.48 -273.

various interest rates on different schemes.L. CCB. but compared to nationalize bank. Factsheets and Guidence of bank member. www. recovery programmes are specific to CCB. The procedure of credit appraisal. Bedi H.Central cooperative bank . The Cooperative Banking Acts. BIBLIOGRAPHY BOOKS:    Pamplets . Practical Banking Advances.C. Banking Theory and Practices.rsnindia. its network is BIG.nabardbank.K.com www.com Shekhar K.LIMITATION OF THE STUDY Though I have selected the co-operative bank for my study and no doubt here I have learnt a lot.. Hardikar V.

Central cooperative bank .CCB.

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