Bhararti Yidypeeth

(Deemed to be Univexsity.),
Pune lolica)
Gciene ahd
lashwaintrao Mohite Colleqe of Arts,
Commexce Pune -38

Semesteyi-L

Subject- Resaarch Methodaloqy-I

Nime af the student-Rohit Rajendd Mali
Mobile No-7276382051
chss i- M.ComT PRN No-2001o10369
E-mail - robitmdli571@.gmmil Com

Ttlei-
Bhadti Sahakari Bink ltd PUne-80
(Muti-state Schecluec Bclhk)

FOR EDUCATIONAL USE

undaram
 Intoducdion
CO operltoxk by their wn effort,
inspired by c Sense af frcltemity, equity
ane lave_ot the Social justice, Stive to
remedy the s t ad Cedte c hew
econamic System -a Systea in which ptal
peys the ale of.
SeNant intecl of cIstey, the
object af Production is ovganized selt-help
instedd Profit ad humdin_dignity 1s
aiven the Pride of place for cheYih a
More equitdble ad efficientBettey Sccial
coljustment ad C moe baldine System cf
demacdey The Bcink bcus macde steddly
Progess dd toby has 23 Braches,specd
inScioqli, Sctaa kolhclpu, SobPU Pune
2 NeviMumbali DIstrrt in aarashtrd Cld
Neyy DELHi in Delhi State. By khovýinq Connpetiti-
onBcink introducim Shotly RIGS, NEÉT and Ne:
Banking bcility as cCUstmey sewke
Bholati Scdmkari Bank Lto, Puine Hcis
been established On sth September 1971 Duriy
the ecdy pexiod of Bharati Vidyapeeth, lts
foundey Hon'ble Dr: Ratengclaji kciclda
heedad
Some finae fov estalblishihg his amm Pxintinq
press.He approsched lo leadin bunk, xhch
shovwal Hle enthusasm in lacning aut Rs 25.aool
FOR EDUCATIONAL USE
Cundaram
 to this baby institution.This a s
ging Situation fox him with yhich very Challen-
he del t
sucssfully by establ ishing his own bank Bhactti
Scldkari Bank td, Pune c s gn 8th September
hich Became Multi-State On 29th April 19
d 19gg
got Status of scheduled Bank vide R-81.
dated 17h May 2002. letter
The Shaeholdlex CoStomer empoyee
well- vwisler ce întegal pcirt of the ahd
o f the Bank Theiy P0gess
is immense which
Învolvement a l Contributon
help us Jo mcking the
progxess of the bank in urge.Bhdtti sc1akari
Badhk ltel. Pune haying visbn of opening Bcrh-
es in all teito-ies Jike rudl Lcnmp: Ubdn
reds to develop Society by ecoomic
lof people clt large. Bank is Workiq uplifthment
had t h
mission af 'reciching every peson who
fo his and SOcieties ovedl deyelophmenatis neecful
Dr:Patangrao kadaun M:A IB Ph D oude
cf the bank has established the bonk with
Mottol godl to upljft the of Common man af
the Society and make himself Sufficient on
econamc front Bank having more then 2hcs
Custonmers,clong with Mix busiheSS Ma thaib
RS 200o C Bharati Sc hakari Bcink ltel.
cide Staddy Progress Ond toclcly Bmk haishas-
23
Banches.

FOR EDUCATIONAL USE

undaram
 Objectives of Study
Saling Account
Saving deposit cIccut tor your
SayingPuypose Clnc to edmterest Alc Can be
aPened by de positig. Nomip1tian tacility is
avallable' Acccunts aalh be OPEned with ox mithut
cheque book falcility. hss boaklcomputex Stcrtemeh=
Cie ssued.ixst Cheque book e fee' tor use
Yith pexsondlised Cheque Book
Rufay Alm CCLYd

Cureht Acount-
An cccoust foy business ihstiturtiah
alGpexctions cand Can be OPehed by Indivicduals,
firmsSocieties, COmpcnes, and Goyt. depiments
etc. No limit on humbey af transcctons.
balde af Rs 250odt Hialeners Clhe Ylinium
Clt Lrban cehters is heqLuired to RS.50oa/
Maitain.with
lpersondlised Chegue Book, Rufay fTM Cod
Current Deposlt Acoount
undaram
 NEEI -Timings for RTGS 2NEFT
Iansaction imes NEFT RIGS
toSaturday 10.o0 Cm to 6-00 Pm onday
e Pm. Saturchys 2nd 2yth closed10-o0 dmto5:0o
2nd2 4th
dosed.
Amount Limit
Irdhscktion Amount imt NEFIRTGS
Minimum Re, 11- Rs. 2 lcikh cid above
ixium 25,0o.ODo No limlt feae: RIGs
System is afunds brlnsfer mechdnism
tanstex of hee
Money takes Pice fom One bank
toclhathey bcink an a "real time'and
basisThis is the fastest ongkess"
transier System thoygh thePossible norey
bonkig Clashel.
SetHement i n "ecl time " Medns
payhment
transdctio is hot Subjarted to ahy
Period atihg
The trdnsclctions ae Settled cis s00n
s they ake pracessed. Noticondl Electonic
urds TYdnsfey (NEFT) SyStem is d holtionyyide
funds tmnsier System to feicilitctte bcsfer
of funds from dny bahk brahch
t o any 0the
bank bJnch. ydsièy-cny amount o f RS 1
lond dlbove to dny Bank There 15 ba uppex
cglingfor NEFT tdeactions.
The system uses the Concept of
centglized CCCOUntin4 system am the bainks
Cccount that_is sehdin or harevjng the
Cundaram FOR EDUCATIONAL USE
 unds tiansfey int instructionsgets operd ted
ct ohe Cente
BenefiCicry eceives the hohe yi-
The beeficiary gets the Chedjt on the
Same DIy Or the hext Deiy depending Onthe
time of Settle ment
Term DepasitScheme-
Amant is cleosit fox Pre-
clecidecdpexiod Clngihq betinveen 14 cciys to
1o
years
Hox 14 cays - minimum deRsit RS. 1000/
Account can be opened by lclividucls, Eirms,-
Societies, Compaaies»ahd Govt depathments etc
crhs atbractive rete of Înterest The fciclity off
locn on deposjt, Premdtue Peiyhet, omibclt ion
facility and bcVsfer f Alc t6 cthey baches is
dvaibble. Locb Ccln be Civased hociximLim lup to 8o
f pricifalCind inteest ccc ruecd theveob

Reinvestment Depasit-
A ter clepost Schéme with behefit of
einyestment of întevest. Fens inteRst yith
quartely Compollhdingesulting inta hcdsame
mdtunty Cmou aximum retunaThe facility of
bd b ob deposit, Phed tue CLymeht,nomltios
facility and trcsfey Of Alc ta othey byarches is
Cvailable.
Cundara FOR EDUCATIONAL USE
 Locker
Safe deposit vauts hmve locn been
Considered the Sclfest pbce to Stoe hdrloom
jenels,Stack Certificclte, cleerls ahd otey
|Voluclble.lockev fcicihty is geneally hat
Cvdildble dt all b d h e s of c bank. Locke
aeiityis Proyice d by the baink t its sekat
braches. The lockers cle allotted on t i s t _
Come first Seved basis. At the time of hirin4-
the locker, bank il) obtain a minimlm-
secunty deposit in the Cmount whicb wauld
Cover years ent dd the Chr4es far braoki-
ng open the locker in Case of Such exehtudli-
Leslockers inbe aullatted irdivid ucl)ly cis
well cis jointly:
You can phn youy yist and Kcess
ycur bcker on al working cays cluying banking-
hours. You c n Set dStamdinglnstucEiom în-
youx Syings AccOunt to PCIy you_conell locker
vent homieltioo facilHy is.cyailabe to
ncliyiduals Joint hivers of Scife De pasitlockers.
The Lockey holde is pemitted to_cldd ox
delete na mes trom the list of persons who
C
operdte the lockey or have acess to it lacker
Lossof key is to be Immed dtely Intormed to
the base branch. Nomindtion focility is
available to Individudls JJot hiers af sofe
Deposit Lockers.

FOR EDUCATIONAL USE

undaram)
 Resatrch Methabkgy
Duxin he edrly periodof Bhardti
idyapeeth its toundey needed Some firdrkes
toy its elevdapmentaPuzposeHe cjppoacLed
c lacal leneling bank yhich shaw l t t l e
enthusiclsm in locning OUt cdny dmalnt o.
Hhis bady. înshitutiao This CuE dny OmouE
a s Very Chdllenginq Situclio to him
yiHa hicn he cdeallt Sucesstully by
stablshig his owa bunk
Bhdrat Sclhdkai Bank" in 1g1 Th his
this
task he got Co-0erdhoa trom his Colg laes
who ud temelans taiHa in his albiltS-
JIHin a sh0t Span gf Hime the
n over Hhe Canfidence cff hundyeds
of its Custones d es telblished its
4 eputeHion c5 Ohe af H2 tustwodtny Clnd
ledding bank

Cundaram FOR EDUCATIONAL USE

 Phdlysis md InterPetqtion of Dorta i
1-3-202l CaPital 2 Lidbilities 31-d3- 2021
100oo0ooo.AUTHORTSED 5H ARE looco6ooo0 o0
CAPITAL
(200000oo Shdhes of Rs5ol-esh

2742433coPdicd uP shhe Capitd) 29784430o

132385417925Reseyefund 2 other Rese 12402944&1
SA78989-ta|@Stdtutdy Resenve 623828o03.25
6375973h) 5pecic) Reseve fuhd18222Z00
-36151516sC Builcling Fund 62367516:5

115c0o0-00|dSpl.Res.fo) long Tenmlerding 215do.0am

155744615-94)PraYision for Bcld 2 Dalbky
Dclbts.17544615.94
107321500Investment DepecicHionResov10732150.00
T0.3%600 0o)Tnrestmet Fluchuahiou Rece7K60oo.0
2555000a.0ah proy.for Rurd Adrdnce 805500ooo-co
160314og.s CIE 11487314670

FOR EDUCATIONAL USE

Sundaram)
31-03-202o PoPeytydad Assets 81-03-2021
5581-5339139 ()BANK BALANC ES InCORRENT AIcs |435222571.1
S4914063-bo2Ash Tn HAND 4%0833440

9453121-519 (Amc 2 Dsc BAN 64cq412-3

84784467 6D.CC Bane Ccanamed Dishiczo62253.92

4564191o4oHher Ponks B453165714

204621 So NATONALSED BANk 2424411.5%
6 2q20219.12
LkL S876o4343CURRENT AlCIT+ RBI
Doo0ooDo MNEY AT CALL AND ShRI NOTICE 3-O0

160000o.OO
Loco0o.op DEPaSTT WITH CcH
222646 83 oo(oTHER BANk BALANCE CEOR 230311523

100000. do UNDER MA SCHEME Loo 000. Os

5150168.oo jXED DEpaS1T ATTH DeCBANK 27o000000.co

5060Doo.oo RESERVF HIND ZAV£STMNT

CLJITH_D.C¢ BAN PONE) 5.0500oo Oo

38265529223 / E 33990227a
4
-

FOR EDUCATIONAL USE

undaram
 10

31-03-20do CAPITAA e TABTL I1IEs 31-03202-1.

1603143o42s BF 111481377
3aoco0.soCot PayAqst Stdnd Assets. 33o00do-oo
Soog0.oo i )Capita) Resewe So040-0o
5600000.boD Membership Development Fund 550oD00.c
1722345olpo(V)Chaj>itable 2 co.OpPUpose fundL4229 4500

5eea06obo Pro foy Conater 5ystemUgdHSoooocoo-o

69000 Proyisiah o 5pacia) BDPR1360000o
L940726R49 DEPoSTTS Co C HER AlcS 143163Gq
14166 86ao Aixed Deps)ts 123649443100
L69736 82.006Recuninq_ Deposits 5689245260
52555s5 Saving Deposits 5247641122e
5440314 8.ks ) CUnen t eposts 623334831 32
Hi84223246 Reinvestnent Depcsits 6364223 11-13
L616001423 C Bdl. in Cclop Ac 14S654332
S5415oo Dbancrdini Deposits 31366462.c

BoRROJTNG S
NAIGARD REFTNANCE
.00 BILLS SENT PoR CoLFCTIO N)

L654387546k41 CIF 1603170714S

FOR EDUCATIONAL USE

Sundaram
 11
31-03-2l021
31-63-2.0cPrORerty 2 Asscets
coop 4000060.-00
400o000-olo GOEixad Depositith Delhi stateBahe
1g i8 5156 23cie
165T03Kas D with other Notodlised 2
Comed-ical Bcanks: 5131619327-24
B183490241a INYESTMENTS
Coverh neat SeuriHes.
4233 323533 4614421447
Cetyal coyt Securjtes
|111084656324|
So6231638: Stcte royt SaU>ites
L700000 o RD.CC Bansb 1-o0000-0o
1600 0 M:Ss BcIhk
Other Threstments
465.0doo.o1) Non 5:L:R S8T Cvedit Cavd LA65000o-0o
19625o-o NoN 6-LR seDc Bod O-O0

637%s34548 LOANS 2 ADVANC Es

681531661E
Shgt tem
-1-515B8 SecuRd 1411793260-1
2
52486 405 nseLued
Ofyith ovedue Rs. 251s5985 2.92 17314344:34

bMadium Tex
1 LogtoYS$AD SeCued Lor26To3437

1106379ak
140687934
secured
of aich oyerdue 162666K7 20 62459521561
15396518346=
15888131814 CF

FOR EDUCATIONAL USE

undaram)
 11

31-03-20ao Capital Liabilities 31-03-2021.

17643360429 BIF |1166715325 7
169a813.o F The Yedy 2o16-17 O Oo

36&5444sONETPROFIT 2120776124
Bealance of prefit
(6p>ofit sorlunentyea
30656544 4s ansfaed from Protit 2Loss 212OH61-241
LAlc

11624o 7dz46TOtd(RS) 17-81933R00

undaram9 FOR EDUCATIONAL USE

 12

31-03-20o ProRety 2 Assets S1-03-2021.

17674012443 BIF 118148%o3102

459299244aInterest Acaed bud not ecivedon

GOyt SeC 583913.62.11
105 424 7koTinteest AccoIed but het eccivel an
TnvesthenE 727082:00
14268.0oOCERSALDeposit vith CERsAL 2g268.0o
292540951)Thterest Accaunted bul+ not Receive
On NonSLR 9 16347 24
47950 Tekphone Deposic 12099200
1113s0 0 Rent,Light wate Conechion Depes4229S:00
3 o00 oo trclnkin S.tamps Oh Hdnd 6500.00
4570.g06DEAE Rece vable 1581763»
49106o45s bo( NoN Bankinq Assets Acgyed
13.6R () GST Receiable 257738 90
5452243 the y Receiycble 214513s2
416866.3)ATM chdige Baink Account 167531 38
OOD OlanTnleest Éx-gatia Recdyable 454916:0

116HThhs TOTal(R:s) 19187q 8308745

FOR EDUCATIONAL USE

Cundaram
 13

Findinq Condlus on
The Bahk has ectmed "A" CIudit class
evey yed Continonl Sine its estab)ish
ents.The bank bas Paid fo its_Shcie holdes
Cwnu eliyidend at the CHe of15)- every
yeg The bank is one of the fey o.
opeaHye bcdhks i n m harelshta. nxbch
lacve been giveo the Stcus boHa is a
Myli SBate Bahk CApi)2002.) c l aShedue
bank (Mcy 20o2)
The Bank is paUaly keep o help
People bebnqns to the clepived Sections of
Scciety Smal enteepels C Coens. The.
bcnks Coypodte offce is boatl i b ine

Kefèrences
Baai Bank website .
Bhaati Bank Annua) RePOt

FOR EDUCATIONAL USE

Sundaram