Best Practices in Loan & Pricing Mechanism- Short Term & Long Term

Loans in District Central Cooperative Bank - A Case Study of

Thiruvananthapuram District Cooperative Bank Limited, Kerala.
Rajesh Kumar R.L, M.Com, MBA
*PhD Research Scholar, Department of Management, Bharathiyar University, Coimbatore
*Accountant, Planning and Development Section, Head Office, Thiruvananthapuram District
Cooperative Bank Ltd, Kerala

ABSTRACT
A Cooperative bank is generally viewed as socio-economic organization that can fulfill both
social and economic objectives of its member’s interest truly at heart equally, for its success.
The cooperative credit and banking institutions have been functioning as an important channel
for deployment of rural credit and other services. Through cooperative banks it is possible to
reach last man in village. Cooperative banks in India play an essential role in the economic
development of the nation. They are providing timely assistance to rural people by way of giving
loans and other services to agrarian at low rate of interest, and thereby relieve them from the
clutches of the money lenders. The Cooperative Societies Act was amended on 1912 with a view
to permitting registration of District Cooperative banks in India. The Thiruvananthapuram
District Cooperative Bank Limited [TDCB] is a leading bank in cooperative sector in Kerala.
Being the apex bank of the primary co-operative societies of the district is the best organization
that could be studied upon with regard to better practices in loans and advances. The present
study involved to analysis the best practice in loans and advances provided by The
Thiruvananthapuram District Cooperative Bank Limited.

Index Terms:-Lending Practices, District Cooperative Banks, Pricing Mechanisms, NPA

1.1. INTRODUCTION

The Cooperative banks in the rural areas mainly finance the agricultural based activities which
include activities like farming, cattle, milk, hatchery, personal finance etc. These banks mainly
finance various categories of peoples for self-employment, industries, small scale units, home
finance, consumer finance, and personal finance. The banking related activities of the
Cooperative Banks are also regulated by the Reserve Bank of India, even though they are

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registered under the Cooperative Societies Act of the Respective States where they were formed
originally. These banks are governed by the Banking Regulations Act 1949 and the Banking
Laws (Cooperative Societies) Act 1965. The structure of Cooperative banking is constituted with
three tier system in Kerala. For the last three decades cooperative credit sector of Kerala has
attained outstanding achievement. In fact cooperative banking system of Kerala has reached even
to the remote corners of the state. Cooperative credit banks can serve mostly the small and
marginal farmers who are economically and socially isolated. In Kerala, cooperative credit sector
deals with more than 35% of rural credit. Unfortunately certain studies depict the losing
importance of this sector. It is mainly, due to the primitive technologies and the poor man power
utilization strategies and absence of an effective lending mechanism. It demands the continuous
application of dynamic lending policies. The present study is an attempt to analyze the best
practices of short-term, medium-term and long- term advances provided by the
Thiruvananthapuram District Cooperative Bank Limited, Kerala.

1.2. Significance of the study

A Strong network of the DCBs is a prerequisite for the sound performance of the cooperative
credit structure. Interest income is the major source of income to a district cooperative bank.
Hence, the study on the bank’s performance along with the lending practices is the core area of
bank’s profitability. DCBs not only provided much financial assistance to PACS but also ensured
the smooth flow of credit to various sectors in the district. The District cooperative banks are not
better than new generation banks in terms of facilities provided, their interest rates are high.
However, unlike new generation banks, the documentation process is lengthy if not stringent and
getting a loan from a DCB are less stringent than for a loan from a commercial/nationalized
bank.

1.3. Objectives of the Study

· To analyze the lending practices of The Thiruvananthapuram DCB

· To suggest the appropriate measures to improve the lending efficiency of the Bank

· To offer suitable suggestions for the growth of the Bank

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1.4. Research Methodology

The data used for this study have been drawn from secondary sources. It includes annual report,
circulars, various publications issued by the research organizations in cooperative sector and
official web sites. The inclusive data were collected from the National Federation of State
Cooperative Banks (NAFSCOB), NABARD and RBI.

1.5. Scope of Future research

The study provides enough inputs for further research. The study was conducted to know the best
practices in loans and pricing mechanism in Thiruvananthapuram DCB and to get a fair idea how
the bank manages its lending practices. The study conducted was successful in knowing the
loans and advances of the bank. Further the study can be extended into a major study with
increase in the sample size.

1.6. Limitations of the Study

· The study is based on the data of past 3 years only

· The secondary data is used
· The study was restricted to The Thiruvananthapuram DCB

2.LITERATURE REVIEW

Thanker H M and Dubule US (2010) states that cooperative banks can avoid sanctioning loans
to the non creditworthy borrowers by proper enquiries. Banker can constantly monitor the
borrower in order to ensure that the amount sanctioned is utilized properly for the purpose to
which has been sectioned. The banker should get both the formal and informal reports about the
goodwill of the customer. The banker also has to educate the borrowers regarding the effects and
consequences of defaulting.

Gowthaman A and Srinivasan T (2010) stated in his research paper “Effective Funds
Management by the Kumbakonam DCB” that there have no mobilize the existing resources and
utilize them in the most efficient and profitable manner. As a result of this situation, efficiency in
funds management has along considerably and profitability of the DCCBs in Tamilnadu is found
decreased.

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Mandirasarma and Rajiv Kumar (2008) have made considerable studies on the rural short-
term cooperative credit structure. They observed that the NPA level of short term cooperative
credit structure was very high compared to that of other systems of banking. They concluded that
in spite of significant development in India’s financial sector over the last decade, a large number
of poor, particularly large and marginal communities remained “finically excluded” even today.

Sreelaxmi.P (2007) A Paper entitled” Housing Finance Sector in India-An Overview by stated
that housing finance generate national income by creating employment and helps the individuals
in their socio-economic development. It gives impetus to the economy by enhancing capacity
utilization of related industries. It is advisable to make periodic review of the borrower’s
financial position to ensure his capabilities of prompt payments of installments.

3. INDUSTRIAL PROFILE

3.1. District Cooperative Banks in India

District Cooperative Banks occupy a pivotal role in the cooperative credit structure of the nation.
The first successful central cooperative bank in modern sense started in Ajmer, Rajasthan in
1910. The District Cooperative Banks holds a position of great importance as they from the
back of the three tier structure. They are the strongest units in the cooperative credit and banking
system in the state. Total number of District Cooperative Banks in the country for the period
2016-17 is 371, having 3208720 number of members, deposit of Rs.28260931 lakhs and
Rs.24937596 lakhs as total loans. The DCBs also play a vital role in the development of the
cooperative movement in the entire district. Such banks are aimed at meeting the credit
requirement of member societies and general public. It acts as intermediary between the state
cooperative bank and the village level cooperative institutions. They are as a fulcrum of finance
for the affiliated cooperative societies in the district by providing them funds when in shortage
and by serving as a clearing house for the funds when in surplus. They are also helpful in
extending banking facilities both in rural and urban areas in calculate thrift and saving habits
among the people.

3.1.2. Significance of Lending Practices in District Cooperative Banks

Lending is generally encouraged because it has the effect of funds being transferred from the
system to productive purposes, which results into economic growth. However lending also

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carries a risk called credit risk, which arises from the failure of borrower. But any default in
repayment of loan, affects the operational efficiency of the bank. So that management of loans is
very important in cooperative banks. Banking depends on public trust. The pin problem is
recovery management. The unrecovered loan which is termed as NPA is a headache to for these
banks. Non-recovery of these loans along with interest forms a major hurdle in the process of
credit cycle. Apart from raising resources through fresh deposits, borrowings and recycling of
funds received back from borrowers constitute a major part of funding credit dispensation
activity

3.1.3. District Cooperative Banks in Kerala

Rural cooperative banking and credit institutions play an important role in meeting growing
credit needs of Kerala. Primary cooperatives are the base level organizations in the cooperative
structure of Kerala. The primary cooperative federated into a central cooperative bank, at district
level is called ‘District Cooperative Bank [DCB]. State Cooperative Bank is the apex body in
cooperative sector. As a socially committed organization ‘District Cooperative Bank has been
playing a magnificent role in the drive of “healthy cooperatives in the district”. There are 14
District cooperative banks functioning in Kerala having 683 branches for the period of 2016-17
with total share capital of Rs.93552 lakhs, total number of membership is 39126, total deposit of
Rs.4777093 lakhs, loans advanced of Rs.2828403 lakhs, working capital of Rs.5180043 lakhs.
Total staff strength of DCB’s is 6047 (National Federation of State Cooperative Banks
[NAFCOBS], New Delhi) It shows the volume of business done by the DCBs in Kerala. But it is
facing acute competition from Regional Rural Banks, Nationalized banks and other private
players.

3.2. ORGANIZATIONAL PROFILE

3.2.1 The Thiruvananthapuram District Cooperative Bank Limited

The Thiruvananthapuram District Cooperative Bank Limited (TDCB) was registered on 01-08-
1958. It is the largest DCB in Kerala having 83 branches and one Moving Branch. The area of
operation of the bank has constituted with 6 taluks and having more than 700 employees are
working in the bank. It has a membership of 1863, constituted with 1862 cooperative institutions
and Government. Total loans and advance for the period of 2016-17 is Rs.288555.46 lakhs.

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3.2.2.Best practice of Loans and Advances

The bank financing to PACS for the purpose of short-term, Medium Term, Loans. It offers
consumer, Consumption, Vehicle, Housing, Educational, Hotel Projects, and industrial loans to
general public. Apart from these loans the bank has providing soft loan to those PACS that are
not functioning properly, for their revitalization. Special drive for high value loans and advances
is exists in the bank recently by the initiation of Bank Administrator. In addition to normal
procedures of loan, there operates a core team composing 20 senior level officers to manage high
value loans at head office level. It is a competing team to make speed the disbursement of loans
for higher amounts. The bank provides many types of loans to both PACS and General Public. It
includes Short –term, Medium Term and Long-term loans. Loans and advances are disbursed
through bank’s various branches, it coordinated by Loans section in bank head office. It provide
interest free loans also to the needy people they who suffered from serious diseases.

a. LOAN TO GENERAL PUBLIC

1. SHORT-TERM LOAN
a) Gold Loan: Attractive scheme for gold loan is introduced by the bank customers for
three months, six months and within one year period.
b) Loans against Fixed Deposit: It provides 85% of face value of fixed deposit holds
the client.
2. MEDIUM-TERM LOAN
a) Consumer Loan: The maximum period for the repayment of such loan shall not exceed
60 months and the maximum amount shall not exceed Rs.50000/-. The said loan issued
against the security of landed property or salary certificate of Government employees.

b) Consumption Loan: The maximum period for the repayment of consumption loan is 60
months; the maximum amount is restricted to Rs.7 lacks.

c) Vehicle Loan: Vehicle loan issued up tot eh 80% of value of vehicle against security for
the period of 5 years.

d) Educational Loans: Educational loan issued for students those who wish to studies in
professional courses.

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 e) Business Cash Credit Loans: It aims the business men to avail credit facility up to the
limit of rs.25 lakhs.

f) Aswasa Vaypa: This scheme aims the financially needy persons, who suffered from
serious diseases. There is no interest charged in this scheme.

g) Current Account Overdraft: It helps the businessman to withdraw an amount of

rs.100000 from this loan

h) Employee Ordinary Loan: This scheme aims to the customers able to provide
employee sureties to avail the loan up to 5 lakhs.

3. LONG TERM LOAN

a) Mortgage Loan: Mortgage loan shall be sanctioned to public to the maximum of 40 lakhs,
the duration is 120 months.

b) Housing Loan: Housing loans will be sanctioned to individuals for the purpose of
construction, renovation and purchase of building and land.

c) Shopping Complex Loan: It is a special scheme aimed the urban people to construct the
shopping complexes with minimum legal procedures.

b. LOANS TO COOPERATIVES

Main purpose of DCBs lending is aims to strengthen the primary cooperative societies by way of
financing and revitalization. Important types of loans are;

1. KCC Loan: KCC scheme was formulated by NABARD at the instance of Government
of India on August 1988. It aims to the village level agriculturists. The composition of the
loan 85% financing by DCB and 15% by PACS. The rate of interest is restricted to 4%.

2. Ordinary loans: Ordinary loans are issued to other type of cooperative societies to meet
their lending requirements at village levels.

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 3. Samrudhi Loan: It is also a viable loans scheme to all cooperative societies to enhance
them to function in an effective manner.

c. LOANS TO STAFF MEMBERS

The concept of Human Resource Development is increasingly, more importance is being given to
“people” in organization. This is mainly because Bank has realizing that human assets are the
most important of all assets. Bank provides sufficient amount of loans and other financial
assistance to its staff members. It aims to equip them to financially strong to create a sense of
belongings and to avoid employee absenteeism. Major schemes to employees include:

1. Staff Overdraft:It aims to provide advance to staff members against the employment
security of the staff and two other permanent employee of the Bank
2. Computer Loan:Computer loan scheme aims to support the staff to purchase computer
to the limit of Rs.50000/-
4. Vehicle Loan: vehicle loans are issued to employees to meet their requirements at lower
rate upto 3.5 lakhs.
3. Staff Housing Loan: Staff housing loans are issued to the employee to meet their
different housing requirement upto a limit of 25 lakhs

4.DISCUSSION
1. Individul Loans

The study disclosed the average growth rate of loans and advances provided by the
Thiruvananthapuram DCB. It is an analyze on loan, type-wise, and purpose wise. It made a
comparative study with three year data derived from the audit report of the Bank. While
considering the Short-term lending pattern on loans to general public for the period of 2014-15
and 2015-16 shows that there is a decline in gold loan OD for Rs.12765.77 lakhs. But short term
gold loan shows increasing tendencies to 8931.88 lakhs. During the period of 2015-16 and 2016-
17 short term gold loan shows an increase of 2718.95 lakhs.

While comparing the performance of Medium term loans to general public for the period of
2014-15 to 2015-16 has revealed that Ordinary loan has shown an increase of 2359.65 lakhs,
consumption loan also shown an increase of 32550.16 lakhs and self help group has shown an

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increase of 709.25 lakhs. There is a high level of performance to Mortgage loan in this period to
8262.37 lakhs. The performance of consumer loan for the period of 2015-16 and 2016-17 has
shown an increase of Rs. 190.03 lakhs, Consumption loan also showing an increase of 16432
lakhs, at the same time the performance of mortgage loan is declined for Rs.30476.64 lakhs.

There is a steady decline in the share of long term loans in the total loans of the bank for the
period of 2014-15 to 2015-16. Housing loans has shown a decline of Rs.2935.84 and Rs.442.04
respectively. During the period of 2015-16 and 2016-17 all loans shown increasing tendencies.
Both housing loans are increased by Rs.2935.84 and 442.04 lakhs respectively. The performance
of Overdraft for the period of 2015-16 and 2016-17 has shown a decline to Rs. 1148.56 lakhs.
Working Capital CC also shown a declining rate to Rs

2. Society Loans

There is a steady increase in the share of short term loans in the total society loans of the bank
for the period of 2014-15 to 2015-16. Overdraft has shown an increase by Rs.2297.29 lakhs,
Cash Credit (coir) for Rs.302.28, Special Gold CC to Rs.1579.95. the Working Capital CC and
Cash credit (Hypothecation have shown a decline by Rs.404.73 lakhs and 17367.00 lakhs
respectively. During the period of 2015-16 and 2016-17 shows declining tendencies to all loans.
Overdraft has shown a declining rate to Rs. 1148.56 lakhs, Special Gold CC to Rs.194.30 lakhs
and working capital CC to Rs.5543.48 lakhs. While considering the performance of medium
term loans for the period of 2014-15 to 2015-16, it showed a declining to all types of loans
except OLCD. The Self Help Group loan has shown a declining rate of Rs.20898.07 lakhs.
During the period of 2015-16 and 2016-17 shows an increasing rate to Rs.17015.15 lakhs,
OLCD to Rs.1157.82 and SHD to 177.74 Lakhs.

3. Loan to Staff

It shows a steady increase in the share of short term loans in the total staff loans of the bank for
the period of 2014-15 to 2015-16 especially in the case of Staff overdraft for Rs.284.87 lakhs,
Housing loan Rs.524.35 and consumption loan Rs.225.79 lakhs. The performance of short term
loans for period of 2015-16 and 2016-17 shown a decreasing tendency.

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5.SUGGESTIONS

Effective steps taken to managing its lending practices very well .For successful management of
lending practices a time-bound program involves the following steps:-

· The Bank should plan to introduce new schemes for attracting new generation customers
and satisfying the present ones.
· Steps will take to mass advertisement for bank’s loan product to the general public
· The bank should improve the level of customer service to a better extent.
· Timely issue of demand notices for raising demand for recovery
· It is found that staff loans are showing a lower rate of NPA, hence steps to taken to
improve the volume of credit to employees
· Steps will take to follow credit portfolio very closely taking necessary action, even when
the first installment or interest is defaulted by the borrower.
· There must be regular follow-up with the customers and it is the duty of banker to ensure
that there is no diversion of funds. This process can be taken up at regular intervals.
· Personal visits should be made after sanction and disbursal of credit and further close
monitoring of the operations of the accounts of borrowed societies/units should be done
periodically.
· Frequent discussions with the staff in the branch and taking their suggestions for effective
loan disbursement.
· If the delinquencies are due to draughts, floods, or other natural calamities, the banker
should suitably restructure the loans taking into accounts the genuine difficulty of the
borrowers.
· The bank has to maintain strong relationship with the clients and conduct recovery camps
for the effective recovery of loans.
· The bank should meet their total establishment payments out of non-interest income. For
this purpose the banks have many fee based products like bank guarantee, letter of credit,
bancassurance etc
· The main income expenditure portfolios in cooperative banking are “interest collected”
and “interest paid”. Introduction of new technologies and efficient Human resource
management will reduce the man power cost.

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 · Proper supervision over the end of loan is required to make sure credit delinquencies.
Supervision should make sure that the loans and advances are used only for the purpose
of which they have been obtained.
· The bank take steps to provide training and awareness program to the clients regarding
the better utilization and prompt repayment of the loans.
· The bank has to take the steps to publish the name of defaulter in CIBIL and local news
papers.

6.CONCLUSION
The present study concluded that the various loans products of the bank have been systematically
arranged, so that the stake holders can easily assimilate the true spirit and working of the
cooperative movement. The study revealed that there is a fluctuating trend in the share of short –
term, medium –term, long-term loans in the bank. Viable member societies are reluctant to avail
ordinary loans from the bank, because they are capable to lend from their own funds. It is
recommended to adopt a better practice in lending practices the bank have to be self-reliant and
the survival in the era of competition.

7.ANNEXURES

I. Bibliography

1. Gowthaman A and Srinivasan T. (2010)”Effective Funds Management by the

Kumbakonam Central Cooperative Bank” Indian Cooperative Review,Vol.47.No.4, April
2010.
2. Mandira Sarma and Rajiv Kumar(2008) “rural short term cooperative credit structure
“Vol-43 Issue No.9, 1 March 2008
3. Bhaskar Rao M,1978, Central Cooperative Bank in Orissa, Cooperative Prospective
vol.XV.Pp.24-28
4. Prasanna Deshmukh G.2002. Working of cooperative Banks in India, Overview and
prospective, Kanishkar Publishers & distributes, P.124-126,New Delhi.
5. Sankhyan C.L and Pankaj Lait Sharma (1996) “Performance of Central Cooperative
Bank in HP” an appraisal, P.121-123

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 6. Siraj K.K and Sudarsanan Pilla.p “Efficiency of NPA Management in Indian DCB- A
Bank-Group wise Exploratory”, Journal of applied Finance &Banking Vol.3,No.2,2013
pp 123-137
7. National Federation of State Cooperative Banks (NAFSCOB),Circulars from 2014-15 to
2016-17

2.TABLES

Table-1

Comparative Study of Short Term Loans for the period of 2014-15 and 2015-16

Type of Loans 2014-15 2015-16 Difference

Cash Credit 887.00 929.32 42.32
Business OD 88.41 86.19 -2.22
Current A/c OD 136.68 129.23 -7.45
Gold Loan O.D. 14034.44 1268.67 -12765.77
Short Term Gold Loan 1191.80 10123.68 8931.88

(Source: Audit Report of the Bank for the period from 2014-15 to 2016-17) (Rupees in Lakhs)

Table-2

Comparative Study of Short Term Loans for the period of 2015-16 and 2016-17

Types o 2015-16 2016-17 Difference

Cash Credit 929.32 887.00 -42.32
Business OD 86.19 88.41 2.22
Current A/c OD 129.23 136.68 7.45
Gold Loan O.D. 1268.67 1191.80 -76.87
Short Term Gold Loan 10123.68 12842.63 2718.95

(Source: Audit Report of the Bank for the period from 2015-16 to 2016-17) (Rupees in Lakhs)

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 Table-3

Comparative Study of Medium Term Loans for the period of 2014-15 and 2015-16

Types of Loans 2014-15 2015-16 Difference

Ordinary Loan (OLCD) 702.93 3062.58 2359.65
Vehicle Loan 5.34 19.46 14.12
OL against NSC 6.03 0.34 5.69
Consumer Loan 1448.79 0

Consumption Loan 682.06 33232.22 32550.16

Self Help Group 29.86 739.11 709.25
Head Load Workers Loan 23.89 22.76 -1.13
Aswasa Loan 22.02 1.25 -20.77
Education Loan 52.14 65.39 13.25
Mortgage Loan 4.58 82624.95 82620.37
(Source: Audit Report of the Bank for the period from 2014-15 to 2016-17) (Rupees in Lakhs)

Table-4

Comparative Study of Medium Term Loans for the period of 2015-16 and 2016-17

Types of Loans 2015-16 2016-17 Difference

Ordinary Loan (OLCD) 3062.58 2977.46 -85.12
Vehicle Loan 19.46 19.59 0.13
OL against NSC 0.34 5.34 5.00
Consumer Loan 1448.79 1638.82 190.03

Consumption Loan 33232.22 49664.22 16432.00

Self Help Group 739.11 682.06 -57.05
Head Load Workers Loan 22.76 29.86 7.10
Aswasa Loan 1.25 4.43 3.18
Education Loan 65.39 78.16 12.77
Mortgage Loan 82624.95 52148.31 -30476.64

(Source: Audit Report of the Bank for the period from 2015-16 to 2016-17) (Rupees in Lakhs)

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 Table-5

Comparative Study of Long Term Loans for the period of 2014-15 and 2015-16

Type of Loans 2014-15 2015-16 Difference

ARF NABARD Scheme 144.35 108.21 -36.14

Industrial Loan 69.86 68.76 -1.1

NHB Housing Loan 21843.03 18907.19 -2935.84

EMS Housing Scheme 4776.01 4333.97 -442.04

(Source: Audit Report of the Bank for the period from 2014-15 to 2016-17) (Rupees in Lakhs)

Table-6

Comparative Study of Long Term Loans for the period of 2015-16 and 2016-17

Type of Loans 2015-16 2016-17 Difference

ARF NABARD Scheme 108.21 144.35 36.14

Industrial Loan 68.76 69.86 1.10

NHB Housing Loan 18907.19 21843.03 2935.84

EMS Housing Scheme 4333.97 4776.01 442.04

(Source: Audit Report of the Bank for the period from 2015-16 to 2016-17) (Rupees in Lakhs)

2. LOANS TO SOCIETIES

Table-7

Comparative Study of Short Term Loans for the period of 2014-15 and 2015-16

Type of Loans 2014-15 2015-16 Difference

Overdraft 8801.23 11098.52 2297.29
Cash Credit (Consumer) 34.62 60.77 26.15
Cash Credit (Hypothecation) 451.95 47.22 -404.73
Cash Credit (Coir) 150.72 453.00 302.28
O.D.C.D. 77.29 83.34 6.05
Special O.D (MAVELI) 2.55 55.30 52.75
Spl Gold CC 1993.45 3573.40 1579.95
Working Capital CC 24903.93 7536.93 -17367

(Source: Audit Report of the Bank for the period from 2014-15 to 2016-17) (Rupees in Lakhs)

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 Table-8

Comparative Study of Short Term Loans for the period of 2015-16 and 2016-17

Type of Loans 2015-16 2016-17 Difference

Overdraft 11098.52 9949.96 -1148.56
Cash Credit (Consumer) 60.77 63.00 2.23
Cash Credit (Hypothecation) 47.22 34.62 -12.6
Cash Credit (Coir) 453.00 451.95 1.05
O.D.C.D. 83.34 150.72 67.38
Special O.D (MAVELI) 55.30 77.29 21.99
Spl Gold CC 3573.40 3379.10 -194.30
Working Capital CC 7536.93 1993.45 -5543.48

(Source: Audit Report of the Bank for the period from 2015-16 to 2016-17) (Rupees in Lakhs)

Table-9

Comparative Study of Medium Term Loans for the period of 2014-15 and 2015-16

Types of Loans 2014-15 2015-16 Difference

Ordinary Loan 1098.19 2.00 -1096.19
MT. Non-Agri. Loan 2256.01 14381.53 -12125.52
O.L.C.D. 22.40 1098.19 1075.79
Self Help Group 20981.05 82.98 -20898.07

(Source: Audit Report of the Bank for the period from 2014-15 to 2016-17) (Rupees in Lakhs)

Table-10

Comparative Study of Medium Term Loans for the period of 2015-16 and 2016-17

MEDIUM TERM 2014-15 2015-16 Difference

Ordinary Loan 2.00 17017.15 17015.15
MT. Non-Agri. Loan 14381.53 255.10 -14126.43
O.L.C.D. 1098.19 2256.01 1157.82
Self Help Group 82.98 260.72 177.74

(Source: Audit Report of the Bank for the period from 2015-16 to 2016-17) (Rupees in Lakhs)

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3. LOANS TO STAFF

Table-11

Comparative Study of Staff Loans for the period of 2014-15 and 2015-16

Type of Loans 2014-15 2015-16 Difference

Vehicle Loan 19.59 60.63 41.04
Over Draft 2516.22 2801.09 284.87
Computer Loan 4.43 20.80 16.37
Housing Loan 1582.89 2107.24 524.35
Consumer Loan 2.16 1.73 0.43
Consumption Loan 2353.65 2579.44 225.79

(Source: Audit Report of the Bank for the period from 2014-15 to 2016-17) (Rupees in Lakhs)

Tabel-12

Comparative Study of Staff Loans for the period of 2015-16 and 2016-17

Type of Loans 2015-16 2016-17 Difference

Vehicle Loan 60.63 38.63 -22
Over Draft 2801.09 2516.22 -284.87
Computer Loan 20.80 23.89 3.09
Housing Loan 2107.24 1582.89 -524.35
Consumer Loan 1.73 2.16 0.43
Consumption Loan 2579.44 2353.65 -225.79

(Source: Audit Report of the Bank for the period from 2015-16 to 2016-17) (Rupees in Lakhs)

16