Professional Documents
Culture Documents
AT
SHIRAL GAT PRIMARY AGRICULTURE CO-
OPERATIVE CREDIT SOCIETY
PREPARED BY
MR. NANDAN DYANESH K HANVILKAR
(M.M.S.- SEMESTER III)
Academic year
2021-2022
Roll no.
16
Enrollment No.
117870592032
A PROJECT SUBMITED TO
UNIVERSITY OF MUMBAI
Signature
Place: CHIPLUN
Date:
PREFACE
The main objective of practical knowledge in the form of industrial visit at the
Master of Management Studies level is to give the perspective knowledge about
the organization. To become sharper in the field of Management, one needs
both practical as was theoretical knowledge.
Page : V
ACKNOWLEDGEMENT
Then I would like to thank Dr Vikas Arora, dean of our college and I am
heartily thankful to Ms. Pooja Vasant (faculty member) for his constant
Encouragement and assistance in preparing project report.
Page : VI
Table of content
Declaration.....................................................................................................IV
Preface...........................................................................................................V
Acknowledgement..........................................................................................VI
List of tables & chart …………...……………… …………...…………………
Executive summary………………………………………………………………
“Study of loan and advances of JCCB”. I have taken this topic because now- a-
days in this fast developing economics era, loan and advances play a very
important role like when a person wants to start a business then he can start
his business by taking a loan from bank and this is affected by the interest
charged on loan.
The main purpose of this study is to know that which banks loan is more
suitable to take by market survey.
Page : 1
Industr y
over view
Page : 2
1.1) INTRODUCTION TO BANKING
Banks are among the main participants of the financial system. Banks also
deposits and lending. Since Banking involves dealing directly with money,
Banks have added new payment channels like Internet banking, Mobile
Individuals
Page : 3
In addition to this Banks are now moving towards Universal banking which is
Page : 4
1.2) BANKING IN INDIA
The origin of banking in India can be traced back to almost the Vedic period.
have taken place before the times of Manu. Manu, a great Hindu jurist, has
devoted a section of his work explaining the deposits and advances and he
Throughout Mauryan period and later on, desi bankers played some role in
the economy of the country. However, it was during the Mogul period that
indigenous bankers started playing a vital role in lending money and financing
agency houses, namely Ferguson and Co. and Alexander and Co. set up the
first joint stock bank in 1786 in the name of General Bank of India. Later on
Bank of Hindustan also came into existence which carried on the business till
1906.
Page : 5
East India Company established three banks; namely, The Bank of Bengal in
1809, The Bank of Bombay in 1840, and Bank of Madras in 1843. They were
units.
National Bank Ltd., Bank of India Ltd., Canara Bank Ltd, Indian Bank Ltd. etc.
were established.
The Reserve Bank of India was established as the Central bank of the country
in 1935under an act called Reserve bank of India Act. In 1955, the Imperial
Bank of India was nationalized and was given the name "State Bank of India”.
country.
In 1980, another six banks were nationalized, and thus raising the number of
banks were allowed to be set up. However, in 1993, in recognition of the need
Page : 6
to introduce greater competition which could lead to higher productivity and
efficiency of the banking system, new private sector banks were allowed to be
New delivery channels like ATM, Mobile banking and Internet banking and
becomes cheap.
Page : 7
1.3) INTRODUCTION TO CO-OPERATIVE BANK
Definition of Cooperation
interest of themselves.”
2. Democratic control
Page : 8
1.4) HISTORY OF CO-OPERATIVE BANKING
Over the years, the difference between co-operative banks & commercial
banks has blurred as they all have come under a common law. All products &
services are offered by co-operative banks are on the par with commercial
banks, with a few exceptions related to government business. In 1904 the co-
agriculturist at a low rate of interest. The co-operative society has to take the
place of the money lenders & provide cheap loan to the farmers for productive
started particularly for the artisans & others, the most common form of such
societies deal in rural credits. And today co-operative banks have started
operation; There is no one who weak or strong among those who co-operate.
Over a period of time, a strong co-operative network made its way into rural
areas with Gujarat, Maharashtra and Andhra Pradesh leading the way. The
original founders of the co- operative movement were people with integrity,
foresight and vision. However, with the passage of time, there has been
Page : 9
1.5) ROLE OF CO-OPERATIVE IN INDIAN
ECONOMY
for the society. Also our nation is the agriculture based where 60% people live
farmers.
Our govt adopted LPG policy in 1991 so cooperative banks also need to
welfare of its members. This calls forcreation and development of new type of
Page : 10
1.6) CHARACTERISTICS OF CO-OPERATIVE
BANK
□□The establishments of co-operative banks are mainly to cater to the needs
of the rural areas and small borrowers are concerned more with financing
agricultures.
□□In co-operative banks borrowers being member have some control over
□□They have to follow rate for investment laid down by the register of co-
operative societies.
Page : 11
COMPANY
PROFILE
Page : 12
2.1) HISTORY of JCCB
Jivan commercial Co-operative Bank ltd. has been a long & eventful journey
from 1972. From a small building in a Rajkot to its new hi-tech & fully
JCCB ltd. was established on 7 Aug, 1972 with share of Rs. 78200 and
shri rajedra raya with late shri harsubhai raval. And Mr. Kantibhai, Gujarat’s
finance minister at that time. This bank was names on famous shastri
JIVANLAL RAVAL. The bank has made tremendous and real progress under
Bank is successfully working for 3 year. This bank has started with the
working capital of Rs.1 crores which kept on incasing till today and crossed
the limit of Rs.100 crores. The bank has started its first branch at bhaktinagar
on 4 sept, 1977 and again to fill the demand of customers 2nd branch on 19th
Oct, 1981 at Raiya road and 3rd branch on 7th April, 1985 at wakaner. The
bank sees a vision of current and future trends, bank to start the safe deposit
Page : 13
During past years bank has player 7 leading role for the development of
example of how mass movement can be turned into the instrument for social
up-linemen. Today bank has more than 59719 deposit accounts with deposits
facility of rs.85+ crores and advance bank has 19+ crores of reserve fund.
Now bank has share capital of rs. 4, 37, 82,500 bank has 3840 safe deposit
Walt.
Bank has establishes “sabhasad kalyannidhi fund” for T.B, cancer, Eye and
diabetes treatment for the member of bank. Bank has denoted to educational
institutions and hospitals. Bank has also denoted in Natural calamities such
Being in the service sector with a vision of current and future treats, Bank
started automation and modernizations way back in 2005 all the branches as
computerized. And the has paid regularly the dividend to share holders on an
Page : 14
2.2) BANK PROFILE
Registration no 6102
Branches 5
E-mail : jivanbank@yahoo.co.in
Page : 15
Working day : Monday to Friday
Saturday half day
Page : 16
2.3) BOARD OF DIRECTOR
Page : 17
2.4) ORGANIZATION STRUCTURE
Chairaman
↓
Vice chairman
↓
Managing director
↓
↓ ↓
↓ ↓
Manager Manager
↓ ↓
↓ ↓
↓ ↓
Clerk Peon
Peon
Page : 18
2.5) VISION AND MISSION OF BANK
→vision of bank
1. Operational excellence,
2. Customer focus,
3. Service leadership,
4. Welfare of people,
provide its target market members a full range of financial products and
banking services, giving the members a one-step window for all his/her
requirement.
Page : 19
→Mission of bank
the bank. Bank always tries to give support to its members. The regular
Bank also provides loan facilities to its members for short term
The bank is going to start new branch in near future for easy
accessibility.
at main branch.
communication.
Page : 20
2.6) AWARDS AND ACHIEVEMENT
→The bank is awarded “A” class for auditing by the government of Gujarat
since its inspection.
→bank is going to adopt new technologies for accounting and other activities.
Page : 21
2.8) SOCIAL CONTRIBUTION
its share holders in particular, the bank aim is to provide a WORLD CLASS
operates and achieve a healthy growth in profit, which will be partly used for
the benefit of society and for up-linemen of masses and general growth of co-
coordinative movement.
Page : 22
2.9) MILE STONE OF BANK
ministerm of Gujarat
7 April 1985 -The first out station branch was opened at waknaner
Page : 23
7 Aug 1997 -bank celebrate silver jubilee
Page : 24
SERVICE
DEPARTMENT
Page : 25
INTRODUCTION
1. Current
2. Savings
3. Special savings
4. Loan Compulsory
5. Nominal Compulsory
6. Pigmy
7. Fixed
8. Recurring
9. Locker
Page : 26
Current Account
Savings Account
• These deposits too are used for transactions purpose. For example if you
want to pay electricity bill, telephone bill etc. you can give a cheque from your
savings a/c rather than giving hard cash. Other things such as paying fees,
paying dues etc. can be done from this a/c.
• This deposit is usually held in the name of individual as it is used for personal
purposes and gives interest at the rate of 3.5% per annum.
• Note that trust and association can hold current as well as savings account.
• A customer having savings account can withdraw money in the form of cash
or cheque in a limit number of times which is restricted as 5 times per month
at JCCB. Note that this withdrawing power can be different for different banks
according to the rules and regulations of that particular bank
Page : 27
Special savings
• This concept and deposit was prevalent earlier, but now it is not in use.
• In this deposit a customer can withdraw the money only3 times (less than
savings i.e. 5times). However, this deposit gives an interest at the rate which
is higher than the savings account. Earlier, when it was in use these deposits
gave a return of 0.5%higher than that of savings deposits.
Loan Compulsory
• These deposits are made compulsory for a customer who wants to take a
loan from JCC. For this customer it is required to keep 2.5% of the loan
amount in these deposits. It gives the same interest rate as saving deposits.
Nominal Compulsory
Pigmy
• Pigmy has different names at different banks. Some banks give ‘daily saving’
name to this service.
• Very few banks offer this service. Here, the customer is required to deposit
the installment on daily basis. The interest rate offered is same as Fixed
Deposits. Fixed Deposits (FD)
Page : 28
• It is a deposit which offers the highest interest rate than any other above
mention deposits. So it is mainly used for long-term saving purposes. For
example: a couple having a child of the age of 10 keeps an FD account so as
to use the matured amount for the child’s college fees in future.
• These deposits and its interest rates are explained in detail in the future
sections that are to come.
Recurring
• It is a type of FD with deposits kept for 12 or more months. Here the deposits
are given at installment by the customer. The interest rate for these deposits
is same as FD.
Recurring Example
Locker
Page : 29
Size of locker Deposit required to be maintained
Small R.7500
Medium Rs.15,000
Large Rs .22,500
Page : 30
MARKETING
DEPARTMENT
Page : 31
INTRODUCTION
The origin of marketing can be traced to the early system of barter system.
Various difficulties of barter gave way to introducing of money and the pricing
became the main mechanism of marketing. Then the marketing era after the
World War 2. Competition became very intense, there was more supply of
goods then was actually needed by market. Therefore marketing research
became vital to undertake the social responsibility in connection with
manufacturing of goods. Efforts are made to balance consumer satisfaction +
profit + public welfare.
By the name it self people doesn’t ask any other question and willingly ready
to do the transaction with the bank did some local marketing such as.
- Advertising in local news papers
- Distribution of pamphlets
- Advertisement in business fair
Page : 32
PRODUCT LIFE CYCLE
Every product under goes different stages of life cycle. Product life cycle
simply Mean the course of the product’s sales and profits over its life time. It
involves five distinct stages:
1) Product Development
2) Introduction- Low sales, High Costs, Negative Profits
3) Growth- Rapidly increasing sales, Average Cost, Rising Profits
4) Maturity- Peak sales, Low Cost, High Profit
5) Decline- Declining sales, low Cost, Declining Profits.
Page : 33
HUMAN
RESOURCE
DEPARTMENT
AITS, DEPARTMENT OF MANAGEMENT
Page : 34
INTRODUCTION
This bank has a good management and large department of manager and
employees.
Page : 35
RECRUITMENT SOURCE
□□Internal Sources
□□External Sources
Page : 36
(b) External Sources:
□□Advertisement
□□Employment agencies
□□Labor union
□□Gate hiring
□□Education institution
□□Unsolicited application
□□Ex- Employee.
Page : 37
SELECTION
IN JCCB:-
In case the bank has given advertisement for applicants, first the receive the
application. Manager evaluates the application and he rejects improper
application and calls a person having proper application from for the personal
interview.
Now, if the employee has passed the relative interview, he has to pass the
medical test & then the employee is selected as “trainee” for a certain time
period.
The training period depends upon the employee’s capacity but the maximum
period is of 2 years. After, 3 to 6 months, the report of trainee employee is
submitted to manager and if it is satisfactory then he is selected, and if the
report is negative i.e. if there is no progress then employee will have to
discontinue
Page : 38
PROMOTION:
A promotion is a type of a transfer involving placement of an employee to a
position having higher pay, increased responsibility more privilege, increased
benefit and great opportunity.
□□Promotion is given so as
□□To increase an employees organizational effectiveness
□□To build up moral, loyalty and a sense of belongings on the part of
□□To attract suitable and competent workers for the organization.
Page : 39
Finance
depar t
ment
Page : 40
AITS, DEPARTMENT OF MANAGEMENT
Page : 41
INTRODUCTION
The term Business Finance mainly involves, rising of funds and their effective
utilization keeping in view the overall objective of the firm. The management
makes use of various financial techniques for administrating the financial
affairs of the firm in most efficient and effective way. Financial therefore
means the entire gamut of managerial effort devoted to the management of
finance-both its sources and - of the enterprise.
Its detailed analysis includes financial analysis, risk analysis, capital structure,
measurement of cost of capital, merger, acquisition, working capital financing,
and management of cash and market securities.
Page : 42
Swot
anal ysis
Page : 43
SWOT analysis means overall evaluation of a firm’s strengths, weakness,
opportunities and threats. Swot analysis consists of making analysis of the
external environment and internal environment.
STRENGTH
Page : 44
WEAKNESS
OPPORTUNITES:
THREATS:
Page : 45
Resea Rch
t opic
Page : 46
3.1) Meaning of Research
In essence term, Research refers to a search for knowledge. One can also
define Research as a scientific and systematic search for pertinent
information on a specific topic. In fact, Research is art of scientific
investigation and careful investigation especially through search for new fact
in any branch of knowledge. Research is an academic activity because it
comprises defining and redefining problems, formulating hypothesis,
collecting, evaluating data, Making deductions and conclusion. Thus,
Research is an original contribution to existing stock of knowledge making for
its advancement.
Page : 47
3.2) Introduction of Research topic
Loan is a method of lending under which bank gives credit to a borrower for a
fixed period and for a specific purpose. Loan are promises for future payment,
they have to be repaid in periods beyond a year and are, therefore long term
liabilities.
In other words "when a banker makes an advance in a lump sum which can
not be paid wholly or partly and which the customer has permission to
withdraw subsequently, it is called a loan."
Profit is the pivot on which the entire business activity rotates. Banking is
essentially a business dealing with money and credit. Like every other
business activity. Banks are profit oriented. A bank invests its funds in many
ways to earn income. The bulk of its income is derived from loans and
advances.
Page : 48
Many a time a borrower needs funds for fixed assets or non-respective type of
activities and thus seeks money from the bank that is withdrawn in one lump
sum. The loan amount is normally repaid in installments. Loan may be short-
term, medium-term or long-term.
Page : 49
3.3) List of various Loan of JCCB
1. Hypothecation-cash credit
2. Industrial
3. Overdraft
4. Pledge
5. Consumption
6. Staff Consumption
7. Commercial loan
8. Vehicle loan
9. Building loan
10. Consumable loan
11. Machinery loan
12. Gold loan
13. Bill purchase
Page : 50
1. Hypothecation-cash credit:
This loan is basically given to business people on their trading stock. JCC
gives loan up to 70% of the value of the stock. If here the customer provides
additional property for mortgaging, then extra 50% of the value of property
can be added to the loan amount.
2. Industrial:
Like Hypothecation this loan is also given to firms but here it is given on
finished goods. The other things are same as Hypothecation.
Industrial purpose
Up to 75,00,000 15%
More than 75,00,000 14%
3. Overdraft (OD):
For the businesses like brokerage firms and trading firms, where there is no
record of the stock, but has to keep large amount of funds to felicitate trade,
hypothecation and industrial loans cannot be given. So for the liberation of
these firms, OD loans can be given. Here these firms are given loans on the
basis of their record of balance sheet and PNL (Profit and Loss) account.
These loans are of 2 type’s viz. FOD and SOD. FOD is the loan given against
fixed deposit whereas SOD means Secured OD and is given on the
Page : 51
mortgaging of the property of the business land or property. JCC gives loan
up to 85% of FD value.
Overdraft
Unsecured 18%
Secured for others
Up to 75,00,000 15%
More than 75,00,000 14%
4. Pledge:
Here stock is under the control of bank. For example the key of the
warehouse in which the goods are kept is with the bank. Example of a fridge
stock. Suppose a warehouse of fridge is under the control of bank. Now, bank
will give the keys to the stockholder only if he pays a part of loan which he has
taken on the stock of fridge. This loan is not prevalent now at JCC.
5. Consumption:
This is called self-mortgaging loan where the people usually comes for taking
loans on their personal income. It is the only type of loan where the purpose
of the loan is not mentioned. At JCC, this loan has one of the larger shares
among all types of loans. Majority of the loan takers of these loans are the
workers of Rajkot Municipal Corporation (RMC).Here the RMC submits the
salary information of the worker who wants to take loan and promises to pay
back the loan installments from the salary of that particular worker. RMC
manages this by withholding the installment amount from the salary.
Page : 52
6. Staff Consumption:
This is similar to the consumption loan except that it is provide to staff people
at a slightly lesser rate.
7. Commercial loan:
This loan is provided to the small vendors, who are in need of money for
running their business. This is usually given to the people running small
provision stores, pan shops and others.
8. Vehicle loan:
As the name implies the bank gives loan on the purchase of vehicle. Here a
customer may want an old vehicle or a new vehicle. In the former case the
valuation of the vehicle is must. This valuation can be done by the bank or the
customer himself. In the later case of new vehicle the bill quotation is used for
considering vehicle’s value and 75% of the value can be given as loan.
However, in case of old vehicle 50% of the value of vehicle is given as loan.
Vehicle loan
Up to 75,00,000 16%
More than 75,00,000 14.5%
Page : 53
9. Building loan:
This loan is given for consumable such as fridge, TV, AC, etc. This is a type of
personal loan wherein it is necessary to define the purpose of the loan.
Consumption loan
Up to 75,00,000 17%
More than 75,00,000 14.5%
This is a loan given to industries on the purchase of the machinery. Here in, if
it is a new machinery then bill quotation is used as valuation. On the other
hand if it is old machinery then a value of bank is a asked to give valuation
report, based on which loan is sanctioned.
Page : 54
Machinery loan
Up to 75,00,000 15%
More than 75,00,000 14%
Here the loan is given on the purchase of gold. This loan is a rarity now.
Page : 55
13. Bill purchase:
Here the customers give their receipt receivable to the bank. Bank pay the
total amount of bills to the customer and then it itself collects the receivables
on behalf of customers. Again these are also not prevalent now at JCCB.
Page : 56
4.) LITERATURE REVIEW
Observed that the use of funds from banks by the private corporate sector
had exceeded its inventory formation. Gupta, has argued that a small portion
of such finance should have gone to meet fixed investment. Further, he found
the growth rate of physical assets to be more directly and closely related to
security issues than bank credit. Hence, he argued that the fast growing firms
relied heavily on security issues than the use of bank credit. Arnbegeokar
found that the rate of rise in bank credit exceeded that of inventory, sales and
output. Further he observed that its dependence on banks for working capital
had increased, accompanied by a decline in reliance on other financial
institutions.
SHETTY:
Assessed the dimensional changes in credit deployment during the first five
years of nationalization in relation to changes in output and prices. The
rationale for his analysis was the fact that, in any accepted model of demand
for money, one common variable is the gross national product or some other
variant of it in real terms. Consequently, he hypothesized that credit for any
sector or industry over a period has to have some relationship with its
performance in real terms, particularly output. He observed a declining trend
in the credit extended by banks to industries since nationalization, though it
was higher than other sectors. On finding that the share of manufacturing
sector in bank credit is higher than its share in Net Domestic Product (NDP)
he concludes that increase in bank credit has occurred far in excess of
increase in output during the years 1968/69 to 1973/74.
Page : 57
REVISED BY SHETTY:
Observed that the share of medium and large industry in total bank credit had
declined due to priority sector lending. Another observation in line with his
earlier finding was that growth in bank credit had always been
disproportionate to growth of their physical output, especially in industries like
cotton textiles. His observation particularly for the years 1975-76 and 1976-77
revealed:
(a) Increase in average bank credit had been higher than the growth of NDP
originating in registered manufacturing sector even at current prices
K.S.R.ROA:
Page : 58
DIVATIA AND SHANKAR:
In their paper discussed the role of internal and external sources of funds and
their components in financing capital formation of the private corporate sector.
The study was based on the RBI company finance studies relating to medium
and large public and private limited companies and Covered the period 1961-
76. They also discussed the trends and patterns of financing for four individual
industries, viz, cotton textiles, jute, sugar and cement.
S. ADVE.:
Page : 59
L.S.GUPTA:
The extensive study viewed that the growth of institutional finance emerged in
lndia due to structural change for industrial financing system with wide change
of socio-political situations in lndia. He attempted to measure overall impact of
financial institutions on capital formation in the organized private sector as
also the allocate efficiency of financial system. He observed that during the
first plan financial assistance rendered by special institutions represented only
4.1 per cent of gross fixed investment in private industry, which rose to 7.9 per
cent in the second plan and further to 18.1% in the third plan period. He also
found that commercial banks remained the most important single agency for
financing the private corporate industry and LIC was the single largest
purchaser of industrial securities and the underwriter of new issues of large
and established companies.
M.S.JOSHI:
Page : 60
5.) RESEARCH PROBLEM
Research Problem
The research is that the income level affected to borrower to take
a loan.
Page : 61
6.) RESEARCH OBJECTIVE
Page : 62
7.) HYPOTHESIS
1. Ho: µ=µ1
2. Ha: μ≠μ
3. Ha: µ<µ
4. Ha: µ>µ
Page : 63
Resea Rch
met hodol
ogy
Page : 64
AITS, DEPARTMENT OF MANAGEMENT
Page : 65
8.) RESEARCH METHODOLOGY
Primary data:
Primary data are those which are collected for the first time. I have taken
some information about JCCB by discussing with Loans and Advances
department of the bank. I have done data analysis through filling
questionnaire from customer and employee.
Secondary data:
Secondary data are those which are already been collected for some other
purposes. I have taken the secondary data from internet and from a book
"Guidance note on audit of books.” I have also done data analysis on the
basis of this secondary data. I have compared the interest rates of various
banks with JCCB to fulfill my objectives.
Page : 66
8.2) SAMPLING PLAN
Population Size-
Sample Size
Page : 67
SAMPLING METHOD:
Sampling Procedure
Non-probability
Page : 68
9.) Data analysis and interpretation
Occupation of Loan Borrower
. What is your the occupation?
□ Business man □ Employee
□ Profession □ Retired person
Type of occupation No. of customer
Businessmen 27
Employee 42
Profession 19
Retired person 12
Total 100
45
40
35
30
No. of Customer
25
20
15
10
0
Businessmen
Employee Profession Retired person
Type Of Occupation
In this question, we know that, in different class of occupation who take more
loan in these group. in above chart we can see that the employees are 42%
means the employees are more take a loan as compare to other group of like
businessmen ,Profession and Retied Person are as 27%, 19% and 12%.
Page : 69
Age group of loan borrower
60
50
40
No. of Customer
30
20
10
0
18-35 year
35-60 year 60-90 year
Year
In this research on loan and advances, classified the different age group and
knowing that who take a more loan. In above chart we can see that the 48%
people are those who age is 35 to 60. 30% people are those who age is 18 to
35 year and 22% are those who age group is 60 to 90 years.
Page : 70
Income Level of Loan Borrower
. What is your the income level per annum?
□ more than 10 laces. □ Between 5 & 10 laces.
50
45
40
35
30
No. of Customer
25
20
15
10
0
Up to 2 laces.
Between 2 & 5 laces. Between 5 & 10 laces. More than 10 laces.
Income Level Of Customer
In this question, the incomes of borrower are identified. In these, the persons
whose incomes are between 2 to 5 laces are 48% means its take more loans
then after whose income level is up to 2 laces are 23%,the income of between
5 to 10 laces are 21% and who income is more than 10 laces is 12%.
Page : 71
Behavior of Staff Member
What is the behavior of staff members?
□ Excellence □ Good
□ Adequate □ Average
□ Unsatisfactory
40
35
30
25
No. of Customer
20
15
10
0
Excellence
Good Adequate Average Unsatisfactory
Behavior
Page : 72
Time Period of Loan
Time period of loan No. of customer
1 to 3 year 18
3 to 8 year 33
8 to 15 year 28
15 to 25 year 21
Total 100
35
30
25
No. of Customer
20
15
10
0
1 to 3 year 3 to 8 year 8 to 15 year 15 to 25 year
Year
The customer whose take a loan in the bank is mostly time period 3 to 8
years. In the above chart, clarified that the person whose take a loan for 3 to 8
year is 33%. And then after the person who takes a loan of 8 to 15 year are
28%. The people who take a loan of 15 to 25 years are 21% and the last the
person who take a loan of 1 to 3 years are 18%.
Page : 73
Another Loan from Rival Bank
Which is another bank from you borrowed other loans?
□ UBI □ ICICI □ HDFC
□ AXIS □ BOB □ OTHER
□ NO ANOTHER LOAN
UBI, 12
ICICI, 8
NO ANOTHER LOAN, 38
HDFC, 14
AXIS, 6
ANOTHER LOAN, 7
BOB, 15
In these chart we seen that the 38% are those not take a loan from another
bank then after 15% are those whose take a loan in BOB. in theses way the
borrower are also take a loan to different bank. In these 7% are those who
take a loan from other bank.
Page : 74
Qualification of Customer
What is your education qualification?
□ Up to HSC □ Up to Graduation
□ Up to Post Graduation □ More than post graduation
Qualification of Customer
40
35
30
25
No. of Customer
20
15
10
0
Up to HSC
Up to Graduation Up to Post Graduation More than post graduation
Qualification
Page : 75
Maximum Extent to Take Loan
What is your maximum extent to take loans?
□ Less than 100000 □ between 100000 & 500000
□ Between 500000 & 1000000 □ More than 1000000
40
35
30
25
No. Of Customer
20
15
10
0
Less Than 100000 Between 100000 to 500000 Between 500000 & 1000000 More than 1000000
Loan Amount
In these chart, the amount of loan is given. In these, the loan amount of
Rs.1,00,000 to 5,00,000 is more means the 38% customer are those whose
take a loan of amount 1 to s laces. Then after 31% customer are those whose
take a loan of amount of Rs. 1,00,000 to 5,00,000.then 19% are take a loan of
more than 10,00,000. then 12% are those whose take a loan of less than
Rs.1,00,000.
Page : 76
10.) HYPOTHESIS TESTING
Step-1 hypothesis
Level of income
Extent amount to Up to 2 Between Between More Total
take loan laces. 2 & 5 5 & 10 than 10
laces. laces. laces.
Less than 100000 8 3 1 0 12
between 100000 & 10 16 4 1 31
500000
Between 500000 & 5 15 13 5 38
1000000
More than 1000000 0 10 3 6 19
Total 23 44 21 12 100
Page : 77
Expected Frequency
(Row total*column total)/n
Extent amount to Up to 2 Between Between More
take loan laces. 2 & 5 5 & 10 than 10
laces. laces. laces.
Less than 100000 2.76 5.28 2.52 1.44
between 100000 & 7.13 13.64 6.51 3.72
500000
Between 500000 & 8.74 16.72 7.98 4.56
1000000
More than 1000000 4.37 8.36 3.99 2.28
Page : 78
Chi-square calculation
Page : 79
Step-3: Degree of freedom
Level of significance 5%
Step-5: conclusion
H0 is rejected.
Page : 80
11.) SUGGESTION
► The bank can introduce advance technology for banking and should give
attention to Manpower time to time.
► The bank can promote confidence and commitment among the staff
members, to address the expectations of the customers efficiently and handle
technology banking with simplicity.
► The bank can take steps to forecast the changing financial need of
customer of different type of group and banking accordingly.
► The bank can identify the reason of few unsatisfied group of customer and
should take steps to eliminate their problems and grievances.
► The bank can put together all it hard work to bring more responsiveness
and awareness to customers.
Page : 81
12.) RESEARCH FINDING
→customers are satisfied with services & other banking facility provided so
they are ready to deal but then also the bank is working in very sound
condition in every situation.
→the customer ratio of urban & rural area are 2:3 means 40% customers are
from urban & 60% customers are from rural area.
Page : 82
13.) CONCLUSION
Page : 83
14.) LIMITATION OF THE STUDY
5. Many time customers are not ready to give private information to the
researchers.
Page : 84
15. IMPLEMENTATION OF THE STUDY
The above study can be helpful to the bank in various ways. Through these
research, the bank know that customer as well as employees are satisfy with
the service which provided by bank.
Due to these research, the customer as well as employee needs are knowing
and then implement that so that the more customer are join and firm are grow
up easily. To know current position of the bank and how to implement the
various service who aspect by the customer as well as employees.
Page : 85
16.) SCOPE OF THE STUDY
Page : 86
17.) ANNEXTURE
NAME: _ AGE: _
Page : 87
10. What is the behavior of staff members?
□ Excellence □ Good
□ Adequate □ Average
□ Unsatisfactory
13. How much amount would you like to pay as monthly installment for your
loans?
_
Page : 88
18.) BIBILIOGRAPHY
For preparing this project report, I have taken guidance from
various sources which are as follows:
1. BOOKS &JOURNALS:
2. by Searching Sites:
www.jccb.com
Page : 89