A

WINTER TRAINING REPORT

ON

CASH MANAGEMENT

UNDERTAKEN AT
VARACHHA CO-OPERATIVE BANK LTD

SUBMITTED BY:
NAKRANI PURVI
(08BBA071)

GUIDED BY:
MR. GOVIND DHINAIYA

BBA PROGRAMME
(YEAR 2010-2011)

SHREE SWAMI ATTMANAD SARASWATI COLLEGE

OF MANAGEMENT & IMFORMATION SCIENCES
 CERTIFICATE

This is to certify that the winter project report has been prepared by Nakrani Purvi
(Id-71), under my guidance and supervision. This project embodied the result of her
work and is of standard expected from a candidate for the degree of BBA.

The report submitted towards the partial fulfillment of the requirement for the degree
of BBA has been found satisfactory.

Dr. P. K. Bhatt Mr. Govind Dhinaiya

Principal Guide

Date:
Place: Surat
 DECLARATION

I here by that this winter project report submitted to shree swami

Attmanad Saraswati College of management and information
sciences, Surat, in the fulfillment of requirement of B.B.A (bachelor of
business administration) degree. The project is result of my own work
carried out during Jan-Feb 2011

This project report is entirely an outcome of my own efforts and has not
been previously submitted to any other university or institute for any
other examination and for any other purpose by any other person.

Date: Nakrani Purvi

Place: Surat Id no: 71

 ACKNOWLEDGEMENT

I offer my sincere gratitude to the Varachha Co-Operative bank ltd, Surat

for providing the opportunity to work with them. These experiences will
really be a strong foundation from my future career.

I would like to thank respected General Manager Mr. A.D Bhalani and
assistant General Manager Mr. V.B.Dhanani and Director Mr. J.K.Patel
for providing me an opportunity to undergo this training.

I would like to offer my special thanks to respected Mr. Sureshbhai

branch manager, Head office, Affil Tower and also thanks to
Mr.Pareshbhai Dhanani and all staff member of the Varachha bank for
giving me guidance, necessary theoretical aspects and methodology for
handling my work. Without valuable guidance this project report would
not have become possible.

I am thankful to Mr.Govind Dhinaiya (Faculty Guide) for valuable

inspiration and guidance provided me through out the course of this
project. And I also thankful to Principal Dr. P.K.Bhatt and other staff
member who directly or indirectly was instrument in the completion of
my project work.

Palace: Surat Your faithfully,

Date: Purvi Nakrani

 EXECUTIVE SUMMARY

In this report I try to do the analysis on the how cash management is

done at the varachha co-operative bank ltd. The report gives information
about banking system and co-operative banks.

Cash management is broad term that refers to the collection

concentration and disbursement of cash. It encompasses a companys
level of liquidity, its management of cash balance, and its short term
investment strategies. In some ways managing cash flow is the most
important job of business managers.

In a business anything done financially affects cash eventually. Cash is

to a business is what blood is to a living body. A business cannot operate
without its life-blood cash, and without cash management, there may
remain no cash to operate. Cash movement in a business is two-way
traffic. It keeps on moving in and out of business. The inflow and outflow
of cash never coincides. Important aspect which is unique to cash
management is time dimension associated with the movement of cash.

I have used the ratio analysis method to know the cash management at
bank. Few of them are loan deposite ratio, loan to assets ratio, and
growth ratio. By the use of this ratio I found the liquidity of bank. Net
non-performing assets of the bank are zero in all three years that I have
used for the analysis.
 TABLE OF CONTENT

CHAPTER TITLE PAGE

Declaration
Acknowledgement
Executive Summary
Table of Content
1 Introduction 1
2 Industry profile 6
3 Company profile 23
3.1 Introduction of bank 24
3.2 History of bank 25
3.3 Social contribution 30
3.4 Financial strength of bank 31
3.5 Awards 32
4 Theoretical framework 33
5 Literature review 52
6 Research methodology 57
7 Data analysis 61
8 Finding 81
9 Conclusion 83
Bibliography 85
Annexure