SYNOPSIS

Name of the Student: Danish Paul

Name of the Guide : Prof. Aparna

Registration No. : 11HDCAMA007

Proposed research area: Finance

Title of the Dissertation (proposed): A Study on Working Capital Management of J & K Bank

INTRODUCTION: Working capital management refers to the administration of all aspects of current assets, namely cash, marketable securities, debtors and stock (inventories) and current liabilities. J&K Bank adopts certain method for financing their customers working capital requirements. There are certain recommendations from the committees for the banks to finance the working capital needs of their clients.

STATEMENT OF THE PROBLEM : The research aims to study the working capital management at J & K Bank , Srinagar.

RESEARCH OBJECTIVES: To learn the effective management of working capital. To study how to keep the capital that is tied up in the working capital cycle at a minimum and maximizing profit. To study the different components of working capital and its impact on the performance of the firm. To study how J&K Bank finances working capital requirements of the firms.

RESEARCH METHODOLOGY: Sample size : 100 Sampling Method: Random sampling Data source: Primary as well as Secondary Data o Primary data: The project report mainly comprises of primary data collected through Questionnaires. Questionnaires were designed specially to suit the nature of sample and to suit the purpose of the study. o Secondary data: In addition to the primary sources, data was also collected from the following sources; internet, J&K banks case studies

SCOPE OF THE STUDY: the study is confined to district Srinagar only.

CHAPTER SCHEME: The study will have the following sections :

Executive Summary Chapter 1 Company Profile . Chapter 2 Working Capital Management

Chapter 3

Research Methodology

Chapter 4

Data Analysis and Interpretation

Chapter 5

Findings, Recommendations, and Conclusion

References

Annexures

QUESTIONNAIRE (Sample) Q1: In which financial institution/Bank you have an a/c? Jammu & Kashmir bank State bank of Punjab Anantanag India national bank central cooperative bank Land development bank Ellaqui dehati bank

Q2: What type of a/c you have? Current a/c Saving a/c Fixed deposit a/c Loan a/c Personal a/c Joint a/c Pledge a/c Official a/c

Q3: Why do you opt for having a/c in this bank? Influenced by Sound brand name beneficial schemes Helping nature of employees Suggested by existing customers Any other reason All of the above

Q4: What facility does the bank provide you? Securing your money at good interest returns Provide housing loans Industrial loans Education loans Vehicle loans Locker facility All of the above

Q5: Out of the above listed facilities, which do you use most? Securing your money at good interest returns Provide housing loans Industrial loans Education loans Vehicle loans Locker facility All of the above

Q6: How much beneficial is the particular facility that you use and why? Provide loans at low interest Saving your money at good interests Fulfilling all loan requirement Saving time in loan issuance All of the above

Q7:Which bank plays a major role in the infrastructure development? Jammu & Kashmir bank State bank of Punjab Anantanag India national bank central cooperative bank Land development bank Ellaqui dehati bank

Q8: How the particular bank helps in the infra-structure development of the area? By issuing loans at cheaper rates Reduced Mortgage Flexibility in loan return period All of the above

Q9: How far financial institutions/ banks help in economic growth of the area? To great extent To some extent Not at all

Q10: What are the major economic activities flourishing in the area? Fresh fruit cultivation Dry fruit cultivation Rice cultivation Pisciculture All of the above

Q11:Which activity needs immediate attention and financial aid/ help? Fresh fruit cultivation Dry fruit cultivation Rice cultivation Pisciculture

Q12: What is the role Of J&K bank of the town in boosting of the major economic activity which mainly include agriculture? Provide apple cherry schemes Provide kissan credit card Providing Zafron, geri, khatamb schemes All of the above

Q13:Amoungst the banks present in the area which do you think is empowering the economic development? Jammu & Kashmir bank State bank of Punjab Anantanag India national bank central cooperative bank Land development bank Ellaqui dehati bank

Q14:Does a financial institution help in the up- liftment of downtrodden class of people? yes No

Q15: Do you think J&K Bank is providing better services than others? Yes No

Q16: If yes than why? Easy Finance schemes Better loan facility Facilitating Modern way of infra-structure of banking the area (SMS, Mobile banking All of the above

Q17.What is the share percentage of the J&K Bank in the total credit flow of the financial institutions towards the area? 20-40% 40-50% 50-75% Above 75%

Q18: Are you satisfied with the services provided by the financial institutions of the area? Yes NO