A

Report on
A study on RBL and Mehsana cooperative bank

Submitted to:
Prof. Pooja Shah

Under the subject of:

Indian Financial System
IMBA- Semester V

By:
Name Enrollment number
Harshil Soni 201900510010047

Dhaval Dixit 201900510010048

Rahi Mehta 201900510010133
Sahil Patel 201900510010184

Jainam Shah 201900510010242

Nihil Soni 201900510010303
Krish Thakkar 201900510010318

Mansi Thakore 201900510010324

 INTRODUCTION
RBL bank
In 6 August 1943, Ratnakar Bank was founded as a regional bank in Maharashtra with
two branches in Kolhapur and Sangli founded by Babgonda Bhujgonda Patil from Sangli
& Gangappa Siddappa Chougule from Kolhapur. It mainly served small and medium
enterprises (SMEs) and business merchants in the Kolhapur-Sangli belt. It was
incorporated in Kolhapur district on 14 June 1943 as Ratnakar Bank Limited. In 1959, the
bank was categorized as a scheduled commercial bank as per the Reserve Bank of India
Act, 1934. During this decade, it was referred to as an NH4 Bank. In 1970, it received a
banking license from the Reserve Bank of India (RBI). In July 2010, Vishwavir Ahuja
became managing director and CEO of the bank. In August 2014 the name of the bank
was changed to RBL Bank Limited.

Type Private Bank

Founded 6 August 1943

CEO Vishwavir Ahuja

Headquarter Mumbai,Maharastra India

Number of 372 branches and 394 ATMs across 28 states and union
locations
Products Consumer Banking,
Corporate Banking,
Finance & Insurance
Number Of 5,843 (2019)
Employees

Net Income ₹866.95 crore (US$120 million) (2019)

Total Assets ₹80,359 crore (US$11 billion) (2019)

Logo

Website www.rblbank.com
 Mehsana cooperative bank
Established on 23rd October, 1983, registered under Multi State Co-Operative Society
Act 2002 Registration No. MSCS/CR/124612015. The RBI License No. DB/UBD GJ 357
P dt. 28/09/1983. The Bank started with one branch at Mehsana with Share Capital of
₹15.00 lacs, made continuous Progress as on 31/03/2020 paid up share capital is ₹304.65
Crores. The Bank was given status of Scheduled Bank by Reserve Bank of India in the
year 2000. At present The Bank is providing better customer service through its core
banking solution Available at All 58 Branches. Branches at various centers in the state of
Gujarat and Maharashtra

Type Public Sector Bank

Founded 23rd October ,1983

RBL
Headquarter Mehsana India products
and
Number of 58 Branches (53 In Gujrat and 5 In Maharastra)
services
Branches
Products Banking, Product
Commodities, Savings
Mortgage Loan Account
Number Of 201-500 Employees With RBL
Employees savings
accounts
customers
Share 304.65 RSCrore can carry out
Capital the basic
Logo banking
transactions
easily and
earn interest
on their
Website Info@mucbbank.com savings as
well. Read
More

Current Account
Offer 6 types of current accounts to its customers. These accounts provide a host of banking
benefits such as fund transfer, receive cheques, cash, etc.
Fixed Deposit
There are different types of Fixed Deposits offered by the RBL Bank with varied features and
attractive rates of interest. Read More

Recurring Deposit
RBL Bank offers Recurring Deposit with a minimum tenure of 6 months and maximum
tenure of 240 months.

Credit Card
Offers a range of credit cards that are designed to provide a host of rewards and benefits
like discount vouchers on dining, entertainment, etc. Read More

Debit Card
RBL India Debit Cards allows its customers to deposit or withdraw funds as per their
convenience without the hassle of standing in long queues.

SMS Banking
Customers can conduct their banking transactions with ease with the SMS Banking facility
offered by the bank.

Mobile Banking
RBL Bank has launched its mobile banking app namely MoBank 2.0 that can be used anytime
anywhere.

Net Banking
Net banking service offers a one-stop solution to a user’s banking tasks at any point of time
from anywhere.

Customer Care
RBL Bank has a dedicated team of phone banking officers available 24X7-Call on +91 22 6115
6300.

Services
RBL Bank India provides the following services under the Personal Banking section: -
 Loans
 Home Loan
 Life Insurance
 Personal Loan
 Loan against Property
 General Insurance
 Overdrafts

RBL Bank Loans

RBL Bank provides all conventional banking facilities and various contemporary banking
products. The various types of Canara Bank Loans, which are offered to the customers
include:
 Personal Loan
 Home Loan
 Vehicle Loan
 Educational Loan
 Loan against property

Car Loans
The car loans by the RBL Bank are offered for buying new or used four wheelers. The loans
are given to the salaried people with regular income and those who have the capacity to repay
the loan amount.

Home Loans
RBL Bank Home Loans are provided for the purchase or construction of houses and flats.
The bank also offers loans for the renovation and furnishing of the existing house or flat.
Loan amount subject to the maximum of ` 1,00,00,000 is provided to the customers.

Education Loans
The educational loans by RBL Bank are provided to the meritorious students and the needy
students. The funds are offered to the Indian students only. The loans are granted for pursuing
graduate courses, professional courses and technical courses.

Personal Loans
Personal loans are offered by RBL Bank to fulfil various personal needs of the customers.
The personal loans are provided to all who have the ability to repay the loan amount.

Loan against Property

Offers Loan Against Property up to Rs.1 crore for tenure of up to 25 years. RBL Bank offers
loan against property where its customers get a higher amount of loan by keeping any
property as collateral. The amount of loan available can then be used for any personal or
business needs.

Mehsana cooperative bank products and services

Product

DEPOSITS
Fixed Deposit
Fixed Deposits are one of the most popular ways to save money
Features and Benefits

 Potential to earn compound interest by reinvesting the principal amount along with
the interest earned during the period.
 Flexibility in altering period of deposit of renewal deposit, maturity and payment
instructions, principal amount and rollover mode before maturity of the rollover
deposit.
 Higher rate of interest on Fixed Deposits.

Tax Bachat
In 2006, it was announced for the first time that Bank fixed deposits booked by an
Individual/HUF for 5 years & upto Rs. 1,50,000/- will be allowed exemption under Sec 80C of
the Income Tax Act,1961 subject to necessary declarations taken from the Customer.

Features and Benefits

  Minimum Amount: Rs.100.00
 Multiples of Rs.100.00
 Maximum Amount: Rs. 1.5 lac (in a FY)
 Tenure - 5 years (lock in period).
 No Partial/Premature withdrawal allowed.
 No OD or pledge allowed.
In the case of joint holder deposit, the deduction from income under section 80C of the Act
shall be available only to the first holder of the deposit.

Recurring Deposit
A recurring deposit is a special kind of term deposit offered by banks which help people with
regular incomes to deposit a fixed amount every month into their recurring deposit account
and earn interest at the rate applicable to fixed deposits.

The recurring deposit can be funded by standing instructions which are the instructions by
the customer to the bank to withdraw a certain sum of money from his savings/current
account and credit to the recurring deposit account.

Features

 An investment as small as Rs.50 (and in multiples of Rs.50 thereafter) or as large as

per your wish.
 A minimum tenure of 6 months (and in multiples of 3 months thereafter) up to a
maximum tenure of 10 years.
 For a much smaller investment per month, get interest rates equal to that of regular
Fixed Deposits.

Accounts
Savings Account
Presenting, The Mehsana Urban Co-operative Bank Regular Savings Account. The account is
an endeavor by the Bank to understand the consumers’ needs and redefine banking to suit
your requirements for a truly comfortable banking experience. Regular Savings Account
gives you instant access to your money anywhere, anytime. Possessing a range of unmatched
features, it has been devised to better suit the convenience of our eclectic client base.
  You can avail of all these services with a minimum balance of Rs. 1000.
 At-par cheque book
 ATM cum Debit card
 Internet Banking
 Fund Transfer (Intra Bank)
 Fund Transfer (Inter Bank)
 RTGS
 NEFT (24x7)
 IMPS (24x7)
 Bill payment (Payment Gateway)
 Bill Desk
 SBIePay
 UPI
 SMS Alert
 WhatsApp Banking
 Quarterly account statement on demand
 Free monthly e-statement.
 Free Personal Accidental death cover of Rs. 5.00 lakh

Current Account
Our Normal Current Account gives you the optimum value for your money. At Minimum
Balance of Rs. 5,000, this account takes you into an all-new world of banking.

Features
 Inter Branch Cash Deposit Facility
 Inter Branch Cash Withdrawal Facility
 Fund Transfer
 Other ancillary services
 SMS Alert
 ATM cum Debit card
 Free Monthly account statements through e-mail
 SMS Alert
 Whatsapp Banking
  Quarterly account statement on demand
 Free monthly e-statement.
 Free Personal Accidental death cover of Rs. 5.00 lakh

Loans
Personal Loan
Whatever the occasion, our range of Personal Loans can help. The procedure is simple,
documentation is minimal and approval is quick.

Features and Benefits

 Potential to earn compound interest by reinvesting the principal amount along with
the interest earned during the period.
 Flexibility in altering period of deposit of renewal deposit, maturity and payment
instructions, principal amount and rollover mode before maturity of the rollover
deposit.
 Higher rate of interest on Fixed Deposits.

Home Loan
Mehsana Urban Bank brings home loans as per your requirement. A dedicated team of
experts and a complete package to meet all your housing finance needs, Mehsana Urban
Bank Home Loans, help you realize your dream.

Features and Benefits

 Home loans for individuals to purchase (fresh / resale) or construct houses.
Application can be made individually or jointly. Mehsana Urban Bank finances up to
70% maximum of the cost of the property (Agreement value + Stamp duty +
Registration charges) based on the repayment capacity of the customer.
 Flexible repayment options to suit your individual needs.
 Automated Repayment of Home loan EMI – You can give us standing instructions to
repay your Home Loan EMIs directly from your Mehsana Urban Bank Savings
Account, thus, saving you the trouble of procuring, signing and tracking post-dated
cheques.
Vehicle Loan
 Whichever Two-Wheeler, our Two-Wheeler loan is the answer. With quick
approvals, flexible payment options and easy repayment – we’ll help you buy the two-
wheeler you desire.
 Invest an amount every month in The Mehsana Urban Bank Coop Bank Ltd.
Recurring deposits so as to meet your financial needs.

Features & Benefits

 Flexible repayment options, ranging from 12 to 48 months available even at the point
of purchase.
 Automated Repayment of Vehicle loan EMI – You can give us standing instructions
to repay your Vehicle Loan EMIs directly from your Mehsana Urban Bank Savings
Account, thus, saving you the trouble of procuring, signing and tracking cheques
every time.
 Speedy loan approval.
 Just decide on the make & model and our New Car Loan will bring it to your
driveway in no time.

Features & Benefits

 Covers the widest range of cars and multi-utility vehicles in India.
 Avail 70% finance on your favorite car.
 Flexible repayment options, ranging from 12 to 60 months.
 Speedy processing
 Repay with easy EMIs.
 Attractive Interest rates
 Hassle-free documentation.

Educational Loan
Mehsana Urban Bank Study Power aims to provide financial support to deserving students
for pursuing higher professional or technical education in India and abroad. The loan would
be provided to students who have obtained admission to career-oriented courses eg, medicine,
engineering, management etc., either at the graduate or post-graduate level.

Quantum of Loan
The quantum of finance under the scheme is capped at Rs 10.00 lacs for studies in India and
abroad, which would cover tuition fees, hostel charges (if any), cost of books, etc.
Margin
Margin for loans will be 20% for studies within India and higher studies overseas.

Role of the Guardian

The parent(s) or guardian of the student would be treated as a co-applicant of the loan. His or
her role would be, necessarily, like the primary debtor.

Security
Third party guarantee and/or collateral security may be asked for in appropriate cases.

Disbursement
The loan will be disbursed in full or in suitable installments taking into account the
requirement of funds and/or fee schedule as assessed by the Bank directly to the educational
institution or vendor of books or equipment or instruments.

Loan Against Property

Mehsana Urban Bank brings to you Loan against Property. You can now take a loan against
your residential or commercial property, to expand your business.

You can depend on us to meet all your business requirements even to purchase a new shop or
office for your business. Loan to purchase Commercial Property is a specially designed
product to help you expand your business without reducing the capital from your business.

Features & Benefits

 Loans to expand your business or to meet any personal need
 Residential & Commercial properties accepted
 Maximum Loan to value.
 Flexible product offerings – EMI based loan / Overdraft facility available.
 Attractive interest rates.

Loan Against Security

Loan against Securities offers you instant liquidity.
You don’t have to sell your securities. All you have to do is pledge your securities in favor of
Mehsana Urban Bank. We will then grant you an overdraft facility up to a value determined
on the basis of the securities pledged by you. Interest will be charged only on the amount
withdrawn and for the time span utilized.

This facility is available against the following securities

 Fixed Deposit of Mehsana Urban Bank
 NSC/KVP

Services
Fund Transfer
NEFT, RTGS, IMPS And UPI

NACH
NACH Credit
NACH Debit

WhatsApp banking
Balance Inquiry, Ministatement, Interest Rate, etc

Locker
Keep your valuables secure with us

Demat
You can avail all the Depository-related services by just opening a Demat account with
NSDL through BANK

Stamp Franking
Obtain Stamp Franking Facility

Sabarmati Gas Bill

You can pay Sabarmati Gas Bill at any of our branches

ATM
Easy Withdrawals

Insurance
Life Insurance, General Insurance (General & Health)

PMSBY
Pradhan Mantri Suraksha Bima Yojana

PMJJBY
Pradhan Mantri Jivan Jyoti Bima Yojana

APY
Atal Pension Yojana

Ganpat University Fees

Pay your GNU fees at any of our branches

Growth of RBL bank

 RBL Bank is one of India’s leading private sector banks with an expanding presence
across the country. The Bank offers specialized services under five business verticals
namely: Corporate & Institutional Banking, Commercial Banking, Branch & Business
Banking, Retail Assets and Treasury and Financial Markets Operations. It currently
services over 9.83 million customers through a network of 435 branches; 1,422
business correspondent branches (of which 271 banking outlets) and 380 ATMs
spread across 28 Indian states and Union Territories. RBL Bank is listed on both NSE
and BSE (RBLBANK).

 On 14 August 2017 RBL Bank announced that it has successfully completed the
capital infusion of Rs 1680 crore from a set of marquee investors.
 The bank has issued 3.26 crore equity shares on preferential basis at a price of Rs 515
per share.

 On 27 November 2017 RBL Bank announced that it has increased its stake from 30%
to 60.48% in Swadhaar Finserve Pvt. Ltd. (SFPL) - a captive business correspondent
of RBL Bank - engaged in offering services to the financial inclusion segment
covering MSME & Micro banking in rural and semi-urban areas.

 RBL Bank bought the additional 30.48% stake in Swadhaar Finserve in line with its
business strategy to leverage technologies and partnerships and extend its service
offerings to the under-banked.

 During the FY2018 the total deposits of the Bank grew by 26.93% to Rs 43902.26
crore as against Rs 34588.09 crore in the previous year.

 The bank's Net advances upsurged by 36.74% from Rs 29449.04 crore in FY 2016-
17 to Rs 40267.84 crore in FY 2017-18.

 At the end of the previous fiscal FY 2016-17 the Bank's shareholding in Swadhaar
Finserve Private Limited (Swadhaar) was at around 30%. During FY 2017-18 the
Bank had increased its shareholding in Swadhaar to 60.48%. Accordingly, Swadhaar
ceased to be an Associate Company of the Bank and had become a subsidiary of the
Bank.

 As on 31 March 2018 the bank had a distribution network of 265 branches 807 BC
branches and 388 ATMs across the country.

 During the year 2018 the bank awarded the MOST PROMISING COMPANY OF
THE YEAR at the CNBC TV18 India Business Leader Awards 2018. Also bagged
the `BEST BANK OF THE YEAR award at the Outlook Money Awards 2018.

 Also received the BEST SMALL BANK OF THE YEAR' Award at the Business
Today Banking Awards 2018.

 The bank also won the `HIGH GROWTH - PRIVATE SECTOR BANK' award at the
Dun & Bradstreet Banking Awards 2018. Also received the FASTEST GROWING
BANK award at the Business World Magna Awards 2018.
 During the fiscal 2019 the total deposits of the Bank grew by 33.01% to Rs 58394.42
Crore as against Rs 43902.26 Crore in the previous year. The Bank's Net advances
surged 34.87% from Rs 40267.84 Crore in FY 2017-18 to Rs 54308.24 Crore in FY
2018-19.

 During the FY2019 the Bank had increased its shareholding in RBL Finserve Limited
(Formerly Swadhaar Finserve Private Limited) to 100%. Accordingly, RBL Finserve
Limited is now a wholly owned subsidiary of the Bank. On 28 June 2018 RBL Bank
announced that it has acquired 100% stake in Swadhaar Finserve Pvt. Ltd. (SFPL) -
an exclusive business correspondent of RBL Bank engaged in offering services to the
underbanked segment in rural and semi-urban areas.

 As on 31 March 2019 the bank had a distribution network of 324 branches 993 BC
branches and 341 ATMs across the country. The bank bagged the MOST
PROMISING COMPANY OF THE YEAR award at the CNBC-AWAAZ CEO
Awards 2019. Also received the INDIA'S BEST BANK FOR MICROFINANCE
award at the Asia money Awards 2019.

Growth of Mehsana cooperative bank

 Gujarat based multi-state scheduled bank- Mehsana Urban Cooperative Bank recently
organized its 38th Annual General Meeting in which it was revealed that the UCB had
been able to cross the business mix of Rs 11,000 crore till the end of the 2020-21
financial year.

 The bank has announced a 15 percent dividend for the shareholders. It earned a net
profit Rs 86 crore in the 2020-21 FY, which is highest ever in the history of the bank.
In comparison to the 2019-20 financial year the bank has performed well on all the
parameters in the 2020-21 FY.

 According to the audited figures of the 2020-2021 financial year shared by the bank
with Indian Cooperative “The total deposit of the bank has increased from Rs 5731
crore to Rs 6614 crore, registered a growth of 15.40% whereas advance has risen from
Rs 3966 crore to Rs 4606 crore, registering a growth of 16.16 percent”.

 Despite Covid-19 the total business of the bank increased from 9,697 crore to Rs
11,220 crore and earned a gross profit of Rs 207 crore which was earlier Rs 151 crore.
The net profit of the bank is 86.78 crore which was earlier 70.34 crore registering a
growth of 23.37 percent, the report reads.
 Besides, Share Capital grew from Rs 304 crore to Rs 310 crore and reserves and other
funds increased from Rs 418 crore to Rs 551 crore in the 2020-2021 financial year.

 The Bank was also active when Covid-19 entered the world and helped the needy
with essential items. The Bank also gave Rs 58 Lakh 50 thousand towards the CM
Relief Fund.

Literature review
RBL bank
1) Aravmudhan, V (2014), analyzed the relationship among service quality, customer
retention and customer satisfaction in Lakshmi Vilas Bank at Tiruchengode town. It
examined whether the dimensions of service quality impacts customer satisfaction which
eventually leading to customer retention. The tool like Correlation was used to analyze
the relationship among service quality, customer satisfaction and customer retention.
Service quality and customer satisfaction have a positive correlation with customer
retention. Hence, the bank provides quality services and also highly satisfies and retains
their customers.
2) Abdul A R. (2014) evaluated the customers’ satisfaction towards the banking services
rendered by the SBI in Kanyakumari District. The author conducted a literature search on
banking services of SBI interviewing of its 150 customers and thoroughly scrutinized
how it caters to the banking needs of the inhabitants of the district. For analyzing the data
tools like percentage Analysis, Chi- Square Test were used. The result showed that there
is a significant relationship between the variable of customer satisfaction and banking
services of the SBI and the customers have a medium level of satisfaction. The SBI could
consider the researcher’s suggestions in order to alleviate its reputation and customer
satisfaction.
3) Shah Minal et al (2013) conducted to study the customer perception towards services
provided by public banks using SERVQUAL model. The research has been conducted
with public sector banks. Typically, customers perceive very little difference in the
banking products offered by public banks dealing in services as any new offering is
quickly matched by competitors.
4) Parasuraman et al (1985) and Zeithaml et al (1990) noted that the key strategy for the
success and survival of any business is the deliverance of quality services to customers.
5)Westbrook (1981) reported that overall satisfaction of the customer is the outcome of
his evaluation of all set of experiences that are linked with the service provider. It also
observed that organization’s emphasis on customer expectations resulted into greater
satisfaction.

Mehsana urban cooperative bank

1) Nagalekshmi V S, Vineetha S Das (20183), found that the positive impact of merger of
Kotak Mahindra Bank Ltd with ING-Vysya Bank. It also found that momentous
increment in various budgetary angles like operating profit, net profit, earnings per share,
interest earned, return on assets, equity share capital, income on investments etc.
2)Bhawna Malhotra (20174), attempted has been made to evaluate the performance &
financial soundness of selected Private Banks in India for the period 2007-2017. CAMEL
approach has been used. This study concluded that the Axis bank is ranked first under the
CAMEL analysis followed by ICICI bank. Kotak Mahindra occupied the third position.
The fourth position is occupied by HDFC bank and the last position is occupied by
IndusInd bank amongst all the selected banks.
3) Grundy (1992) in the article discusses about the competitive and financial analysis,
which is required by a firm for strategic and operational decision making. The research
mentioned in the required in the financial managers to careful thinking of the linkages
between competitive and financial analysis. The success factor depends on the ability to
manage behavioral variables effectively. Conclusion can be made that competitive and
financial business analysis helps the firm for making better strategic decision.
4) McMahon & Davies (1994) in the articles talks about the small enterprises and
importance of developing skills regarding financial statements analysis and interpretation.
Article points out that because of growth financial stress is created in such firms, which
can be improved through upgrading of financial analysis and reporting systems. The
article aims to find out possible relation between the historical financial reporting and
analysis and achieved growth rate and financial performance.
5) Zuckerman (1995) presents the article, which is about the financial statements that are
very important as when analyzed, they reveal financial condition, health, operating trends
and future prospects of the firm article has tried to find and suggest ways to provide
framework to automate the customizing of analysis according to the firms customer or
industry needs. The article aims for standard automated comparative spreadsheet that will
provide detailed summary of most significant line items and also few analytical ratios

Introduction to NPA

A non-performing asset (NPA) is a classification used by financial institutions for loans

and advances on which the principal is past due and on which no interest payments have
been made for a period of time. In general, loans become NPAs when they are
outstanding for 90 days or more, though some lenders use a shorter window in
considering a loan or advance past due.
A loan is classified as a non-performing asset when it is not being repaid by the borrower.
It results in the asset no longer generating income for the lender or bank because the
interest is not being paid by the borrower. In such a case, the loan is considered “in
arrears.”
Sub-Classifications for Non-Performing Assets (NPAs)
Lenders usually provide a grace period before classifying an asset as non-performing.
Afterward, the lender or bank will categorize the NPA into one of the following sub-
categories:

1. Standard Assets
They are NPAs that have been past due for anywhere from 90 days to 12 months, with a
normal risk level.

2. Sub-Standard Assets
They are NPAs that have been past due for more than 12 months. They have a
significantly higher risk level, combined with a borrower that has less than ideal credit.
Banks usually assign a haircut (reduction in market value) to such NPAs because they are
less certain that the borrower will eventually repay the full amount.

3. Doubtful Debts
Non-performing assets in the doubtful debts category have been past due for at least 18
months. Banks generally have serious doubts that the borrower will ever repay the full
loan. This class of NPA seriously affects the bank’s own risk profile.

4. Loss Assets
These are non-performing assets with an extended period of non-payment. With this
class, banks are forced to accept that the loan will never be repaid, and must record a loss
on their balance sheet. The entire amount of the loan must be written off completely.

How NPAs Work

Loans, as addressed above, are not switched into the NPA category until a considerable
period of non-payment has passed. Lenders consider all of the factors that may make a
borrower late on making interest and principal payments and extend a grace period.
After a month or so, banks typically consider a loan overdue. It is not until the end of the
grace period (typically, 90 days of non-payment) that the loan then becomes a non-
performing asset.
Banks may attempt to collect the outstanding debt by foreclosing on whatever property or
asset has been used to secure the loan. For example, if an individual takes out a second
mortgage and that loan becomes an NPA, the bank will generally send notice of
foreclosure on the home because it is being used as collateral for the loan.

Significance of NPAs
It is important for both the borrower and the lender to be aware of performing versus non-
performing assets. For the borrower, if the asset is non-performing and interest payments
are not made, it can negatively affect their credit and growth possibilities. It will then
hamper their ability to obtain future borrowing.
For the bank or lender, interest earned on loans acts as a main source of income.
Therefore, non-performing assets will negatively affect their ability to generate adequate
income and thus, their overall profitability. It is important for banks to keep track of their
non-performing assets because too many NPAs will adversely affect their liquidity and
growth abilities.

Non-performing assets can be manageable, but it depends on how many there are and
how far they are past due. In the short term, most banks can take on a fair amount of
NPAs.
However, if the volume of NPAs continues to build over a period of time, it threatens the
financial health and future success of the lender.

DATA ANALYSIS AND INTERPRETATION

Data analysis and interpretation of Ratnakar Bank
 Figures in cr. Years Gross CAR (in %) Net
NPAs (in %) Profit (in
Gross NPAs ( In %) crore)
5 Ratnakar Bank MAR 21 4.34 17 507.78
4.5
4 Ratnakar Bank MAR 20 3.62 16 505.67
3.5
3 Ratnakar Bank MAR 19 1.38 13 866.95
2.5 Gross NPAs ( In %)
2 Ratnakar Bank MAR 18 1.40 15 635.09
1.5
1 Ratnakar Bank MAR 17 1.20 14 446.05
0.5
0

CAR
Net(In %) ( In crore)
Profit
18 1000
16 900
14
800
12
700
CAR (In %)
10
600 Net Profit ( In crore)
8
500
6
400
4
300
2

0 200

100

0
 Data Analysis and Interpretation of Mehsana Urban Cooperative Bank
Figures in cr. Years Gross CAR (in %) Net
NPAs (in %) Profit (in
crore)
Mahesana urban MAR 21 0.07 26.2 2,205.46
cooperative bank
Mahesana urban Gross NPAs(
MAR 20 1.48 In %)25.7 3,023.74
2.5 cooperative bank
Mahesana urban MAR 19 2.04 24.7 1,951.50
cooperative bank
2 Mahesana urban MAR 18 1.25 29.6 1,345.56
cooperative bank
Mahesana urban MAR 17 -- 22.6 1,111.95
1.5 cooperative bank

Gross NPAs( In %)
1

0.5

0
 Net Profit
CAR(In( In%)crore)
3500
35

3000
30

2500
25
2000 Net Profit ( In crore)

20 CAR(In %)
1500

15
1000

10
500

5 0

Correlation analysis of Ratnakar Bank

0.8

0.6 Gross CAR Net

NPS profit
0.4
Gross 1
0.2 NPA
CAR 0.892518 1
0
Gross NPS CAR Net profit
Net -0.41934 - 1
-0.2
profit 0.61885
Gross NPA CAR Net profit

 Interpretation: As per the correlation study of Ratnakar bank we can see that capital
adequacy ratio to gross NPAs seems to be negative and showing the negative strength
of association. This shows that there is strong inverse relationship between both the
variables if we look at the case of gross NPAs to capital adequacy ratio. In the
 another variable Gross NPAs to Net profit analysis of both banks shows that strength
of association is negative between both the variables. This shows that both share the
inverse relationship to each other however it is not stronger like CAR. Gross NPAs to
PCR ratios analysis of correlation shows that both share the negative strength of
association.

Correlation of Mehsana urban co. operative bank

1.2
1
0.8
0.6
Gross CAR Net
NPS profit
0.4
Gross 1
0.2
NPA
0
Gross NPS CAR Net profit CAR 0.28102 1
-0.2 4
Gross NPA CAR Net profit
Net 0.29362 - 1
profit 0.0512
1

 Interpretation: As per the correlation study of Mehsana urban co operative bank, we

can see that capital adequacy ratio to gross NPAs seems to be weak positive and
showing the positive strength of association. This shows that there is similar
relationship between both the variables if we look at the case of Gross NPAs to
Capital Adequacy ratios. In the another variable Gross NPAs to Net profit analysis of
both banks shows that strength of association is neutral between both the variables.
This shows that both share the no association to each other.

Comparison of RBL bank and Mehsana cooperative bank

Gross NPAs
 Below, figures shows that the comparative data of last 5 years of Mehsana cooperative
and RBL bank for the Car of them. Below mentioned bar chart shows the different 5
points which are showing the trend of the Car.
 5
4.5
4
3.5
3
2.5
2
1.5
1
0.5
0
1 2 3 4 5

Gross NPAs(in %) Gross NPAs(in %)

Comparison of RBL bank and Mehsana cooperative bank Net

profit

3500

3000

2500

2000

1500

1000

500

0
1 2 3 4 5

Net Profit(in crore) Net Profit(in crore)

 Comparison of RBL bank and Mehsana cooperative bank
CAR

35

30

25

20

15

10

0
1 2 3 4 5

CAR(in %) CAR(in %)

Bibliography
1. RBL Bank Share Price, RBL Bank Stock Price, RBL Bank Ltd. Stock Price, Share
Price, Live BSE/NSE, RBL Bank Ltd. Bids Offers. Buy/Sell RBL Bank Ltd. news &
tips, & F&O Quotes, NSE/BSE Forecast News and Live Quotes (moneycontrol.com)
2. https://www.moneycontrol.com/financials/mehsanacooperativebank /balance-sheetVI/
3. https://www.nseindia.com/