A

PROJECT REPORT
ON

AT
CO-OPERATIVE BANK
KAPURTHALA

In the partial fulfillment of Master’s of Business Administration

[M.B.A]
Guided by: Submitted By:
MR. SUNNY GULATI MINAL
Lecturer Roll No.90222233113
Dept. of Mgmt. Studies MBA 3rd Sem

Session(2009-2011)

CT INSTITUTE OF ENGINEERING AND MANAGEMENT

TECHNOLOGY
 GUIDE’S DECLARATION

This is to certify that this project report submitted by MINAL THAKUR to Punjab
Technical University, Jalandhar for the reward of the degree of MBA is a record of
her own work carried out by her under my guidance and supervision. The quality of
work fairly fulfills the entire requirement to the said degree. To the best of my
knowledge and information, no part of this report is reproduced earlier or elsewhere.

Mr. Sunny Gulati,

Lecturer,
Department of mgmt. studies,
CT Institutions,
Jalandhar.
 STUDENT DECLARATION

This is the report of the project work entitled “NPA’s AND PRUDENTIAL NORMS
IN CO-OPERATIVE BANK” undertaken by me during the one and half month training
at CO-OPERATIVE BANK, KAPURTHALA.
I hereby declare that project report is being submitted by me to the Department of
Management for the partial fulfillment of the degree of Master of Business
Administrative. A copy of this project has been submitted to the organization where the
project was developed. This project is not submitted to any other organization or
university or college and is the outcome of my work.

(MINAL)
 ACKNOWLEDGEMENT

This project has been possible through the direct and indirect co-operation of various persons
to whom I wish to express my appreciation and gratitude. First and foremost, my thanks go
to Mr. SUHKMINDER SINGH (Branch Manager) whose versatility of creativeness, interest
and enthusiasm gave a new dimension to my work with a motto “to seek, to strive and not to
yield”. His unfailing guidance and encouragement made me understand the vagaries of
appropriation and help to solve my problems. In addition to this, I would like to thank all my
respondents, who has spent their valuable time with me and help me in getting the requested
information for this project.

I am equally thankful to the whole team of department of management studies, CT

institutions, shahpur, jalandhar, who extended their full co-operation and assistance. Words
are not sufficient to express the greatness for the help, guidance and knowledge dispensed to
me by Respected project Guide, Mr. Sunny Gulati, who not only lent his considerable time
and energy to the understanding, but also helped me a great deal in making this report see the
light of the day.

Last but not least, I owe my special regards to my parents and my elders for their blessings
and good wishes.

(MINAL)
 TABLE OF CONTENTS

CHAPTER NO. CHAPTER TITLE PAGE NO.

CERTIFICATE

ACKNOWLEDGEMENT

CHAPTER:-1 EXECUTIVE SUMMARY

1 EXECUTIVE SUMMARY 1-2

CHAPTER:-2 INTRODUCTION

2 ORIGIN OF BANKS 3-27

PROFILE OF CENTRAL CO-
OPERATIVE BANK KPT.

NPA’S

CAUSES OF NPS’S

CHAPTER:- 3 OBJECTIVES OF RESEARCH

3 OBJECTIVES OF RESEARCH 28-29

CHAPTER:- 4 REVIEW OF LITERATURE

4 REVIEW OF LITERATURE 30-32

CHAPTER:-5 METHODOLOGY & LIMITATIONS OF THE STUDY

5 METHODOLOGY& LIMITATIONS 33-35

OF THE STUDY
CHAPTER NO:-6 OBSERVATION, ANALYSIS & DISCUSSION

6 OBSERVATION, ANALYSIS & 36-46

DISCUSSION

CHAPTER:-7 FINDINGS & SUGGESSTIONS

7 FINDINGS & SUGESSTIONS 47-49

CHAPTER:-8 CONCLUSION

8 CONCLUSION 50-51
ANNEXURE

BIBLIOGRAPHY
 LIST OF TABLES

TABLE NO. TABLE TITLE PAGE NO.

6.1 NPAs AND PRIDENTIAL 37

NORMS

6.2 NPAs ARE GOOD FOR BANKING 38

SECTOR

6.3 MAIN REASONS FOR NPAs IN 39

BANK

6.4 RECOVERY OF NPAs 40

6.5 RECOVERY MECHANISMS 41

ADOPTED BY BANK FOR PRE-
SECURITIZATION ACT

6.6 RECOVERY MECHANISMS 42

FORE POST-SECURITIZATION
ACT

6.7 MEASURES FOR RECOVERY 43

6.8 ADDITIONAL POWER 44

FACILITATION

6.9 ENACTMENT FOR REDUCING 45

OF LEVEL

7.0 RATE OF NPAs 46

 LIST OF GRAPHS

TABLE NO. TABLE TITLE PAGE NO.

6.1 NPAs AND PRIDENTIAL 37

NORMS

6.2 NPAs ARE GOOD FOR BANKING 38

SECTOR

6.3 MAIN REASONS FOR NPAs IN 39

BANK

6.4 RECOVERY OF NPAs 40

6.5 RECOVERY MECHANISMS 41

ADOPTED BY BANK FOR PRE-
SECURITIZATION ACT

6.6 RECOVERY MECHANISMS 42

FORE POST-SECURITIZATION
ACT

6.7 MEASURES FOR RECOVERY 43

6.8 ADDITIONAL POWER 44

FACILITATION

6.9 ENACTMENT FOR REDUCING 45

OF LEVEL

7.0 RATE OF NPAs 46