RESEARCH DISSERATION

1. A STUDY ON FUND AND CREDIT MANAGEMENT AT

KARNATAKA GRAMEENA BANK / AXIS BANK

NEED OF THE STUDY

The main purpose of doing this project is to know about the customer behavior towards
Karnataka Grameena Bank/Axis Bank . It also helps in understanding different services
provided by the bank. Some people are selecting bank on their comfort ability and services
but most of them are select bank on the basis of Interest rate. It helpful to identify the
Customer preferences of both bank regarding its services, images, interest rate and scheme.

OBJECTIVES OF THE STUDY

1.To examine the impact of credit management on the profits of the bank

2. To examine the effects of non performing on gross advance and net advances on the
profitability of the bank

3.The Impact of Capital Adequacy Ratio on the Performance of the Bank.

SCOPE OF THE STUDY:

The scope of the project is limited to the study and analysis of funds management
at Karnataka grameen bank/Axis bank . The study is analytical in nature as the
financial position of last 1years is analyzed. Past figures of balance sheet are
analyzed to find out the overall management of available fund in the bank. Since
the study involves financial data, primary data can be collected and the available
data are secondary in nature. The data collected are within a period ranging from
2019 to 2020. Various management tools are used to find out the liquidity and
profitability of the bank.

LIMITATIONAS OF THE STUDY:

1.The information given from the bank is limited.

1. In this study only selected ratios are used.

2. Since the study relates only to the fund and credit

management of KGB and Axis Bank the findings and
suggestions cannot be generalized.

3. The duration given was only four weeks so much economic

fluctuations are not seen.