A PROJECT ON THE FUND MANAGEMENT &

ANALYSIS OF THE MANAGERIAL PERFORMANCE IN

VELIYAM REGIONAL SEVICE CO - OPERATIVE BANK LTD
No.4171

GROUP PROJECT REPORT

HIGHER DIPLOMA IN CO-OPERATION

AND
BUSINESS MANAGEMENT 2016-17

CO- OPERATIVE TRAINING COLLEGE, AVANOOR,

KOTTARAKKARA
Father Of Cooperative Movement in the World

ROBERT OWEN(1771-1858)
 CO-OPERATIVE TRAINING COLLEGE AVANOOR,
KOTTARAKKARA

(Owned by state Co-operative Union, Kerala, Thiruvananthapuram,

Estd.by Government of Kerala)

CERTIFICATE

This is certified that the project work entitled "FUND MANAGEMENT &
ANALYSIS OF THE MANAGERIAL PERFORMANCE IN VELIYAM
REGIONAL SERVICE CO-OPERATIVEBANK LTD.NO.4171" is a bonafied
work done by the students of H.D.C& B.M Course 2016-17 and submitted
in partial fulfillments of the requirement for the awardof H.D.C&B.M Course
Co-operative Union,Thiruvananthapuram,Kerala.

Mrs.Deepa C.R Mr. Thomas

George

Supervisory Faculty Principal

Project viva held on…………….

Examiner
Examiner

Central Board of Examination

 State Co-operative Union
Thiruvananthapuram

CERTIFICATE OF THE GUIDE

This is to certify that the project reportentitled"FUND MANAGEMENT AND

ANALYSIS OF MANAGERIAL PERFORMANCE IN VELIYAM
REGIONAL SERVICE CO-OPERATIVE BANK LTD NO.4171"is a record of
project work done bythe members of the groupdeputedto "VELIYAM
REGIONAL SERVICE CO-OPERATIVE BANK LTD. NO.4171" has
worked under my guidance and supervision and that it has not previously formed
the basis of award of any degree/diploma, fellowship, associateship to any
members of the group or other.

Counter signed by, Signature of the

guide

Mr. Thomas George Mrs. Deepa C.R

Principal Supervisory
faculty Co-operative Training College
Avanoor, Kottarakkara

Kottarakkara
 DECLARATION

We the members of group of HDC& BM Course August 2016-2017 whose

name enlisted alphabetically as under do by declare that the Project Work Report
entitled a studyFUND MANAGEMENT &ANALYSIS OF MANAGERIAL
PERFORMANCE OF VELIYAM REGIONAL SERVICE CO-OPERATIVE
BANKLTD.NO.4171is a bonafied work done by us atVELIYAM REGIONAL
SERVICECO-OPERATIVE BANKin partial fulfillment of the requirement of
HDC& BM Course. It has not previously formed the basis for the award to us for
any other degree/diploma fellowship, Associateship or any other institutions.

Sl.No. NAME OF THE ADMISSION SIGNATURE

STUDENT NUMBER
1 Akhila Ashok
2 Jayalekshmi.s
 3 RakhiRavindran
4 Reshma Raj
5 Saranya. S.Y
6 Sindhu T.K
7 Soorya V.S
8 Swathy T.N
9 Vineeth.M.R

ACKNOWLEDGEMENT

This Project report has been submit before The Principal, Co-operative Training
College, Kottarakkara in partial fulfillment of HDC & BM Course of the State
Co-operative Union.

First and foremost, we praise the almighty for the unfailing source of support,
comfort and strength for the successful completion of our project work. We would
like to extend our gratitude to Mr.Thomas George,Principal, Co-operative
training college, kottarakkarafor giving us sincere support and encouragement.

Besides we express our heartfelt gratitude to our project guide Mrs.DeepaC.R

whose constant inspiration, Co-operation and proper guidance pave our way to
complete the work successfully in time.
In addition to that we extend our soulful gratitude to all the teachers and non
teaching staff in Co-operative Training College, Kottarakkara for their valuable
support. We also express our sincere thanks to the Board of Directors, President,
Secretary, Asst. Secretary and other staff of the Veliyam Regional Service co-
operative Bank Ltd.No 4171 who had provided the necessary help for the
completion of the project.

for the group

Vineeth M.R (Group Leader)

Kottarakkara

CONTENTS

Chapter Title Page No.

No:

I DESIGN OF STUDY
1.1 Introduction
1.2 Statement of the problem
1.3 Significance
1.4 Objectives
1.5 Methodology
1.6 Scope of the study
1.7 Limitations

II TEXT OF STUDY

2.1 Profile of the Bank

2.2 Design & Case study
2.3 Findings
2.4 Suggestions
2.5 Conclusion
2.6 Bibliography
 TABLES
NO NAME PAGES

1. Membership position(2011-2012 to 2015-2016) 20

2. Staff pattern of the bank 28
3. Details of gold loan 38
4. Details of kissan credit card 39
5. Details of long term loan 40
6. Details of medium term loan 41
7 Details of short term loan 42
8 Details of ordinary loan 43
9 Details of investment position 45
10 Details of deposit loan comparison 46
11 Details of overdue 47
12 Details on fixed deposit 48
13 Details of savings deposit 49
14 Details of Recurring deposit 50
15 Details of Home safe deposit 51
16 Details of Athulya deposit 52
17 Details of Thrift 53
18 Details of Staff provident fund 54
 ABBREVIATIONS

PACS : Primary Agricultural credit societies

DCB :District Co Operative bank

KCC :Kissan Credit Card

MTNA :Medium Term Non-Agricultural loan

GL :Gold Loan

MDS :Monthly Deposit Scheme

GDS :Group Deposit Scheme

ST & MT :Short Term And Medium Term Loan

RBI :Reserve Bank Of India

SCARDB :State Co –Operative Agricultural &

Rural Development Bank

PCARDB :Primary Co – Operative Agricultural &

 Rural Development Bank

KCS Act :Kerala State Co Operative Societies Act

CHAPTER -1
DESIGN OF STUDY