A SUMMER TRAINING REPORT

IN SHRIRAM CITY UNION FIN. LTD. DISTT HAMIRPUR

HIMACHAL PARDESH
Submitted in the Gautam Institute of Management and Technology
Hamirpur (HP),in the

Partial Fulfillment for the requirements award

Degree of

Master of Business Administration

Session 2020 -2022

Submitted To Submitted By

HIMACHAL PARDESH TECHNICAL ASHISH KUMAR

UNIVERSITY , HAMIRPUR (HP) Class: MBA 3rd

semester

University Roll No20014426006

[1]
 PREFACE
After The 2nd semester of Master Of Business Administration (MBA) course,
an internce was sent to SHRIRAM CITY UNION FIN. LTD. Hamirpur Branch
to have a practical exposure on banking activities under the programs of
Industrial traning SCUF is a leading NBFC which starts in operation from
1974 Through All over india its to silent to general banking service account
opening ,bills, remittance, clearing, cash, and computer ,section while
advance banking involves the activitys related to providing borrowing to its
customers.

First chapter to introduction of the report focus on background , objective and

introduction of industry focus on the context of banking industry present
situation challenges and opportunities. And after then brief introduction to to
the organization focus on SCUF vision, mission, strategy, present situation of
the Non- bank of SWOT analysis.

The second chapter focus on Practical part analysis of activity done and
problems solved role of the internee and fitting in the organization structure
experience in the training including system process also Occurrences of
problems and how these problems solved and observed gape.

The final section of the report includes conclusion and overall experience and
Learning Knowledge gained

[2]
 DECLARATION
I ASHISH KUMAR student of MBA 3rd semester at GAUTAM INSITIUTE OF MANAGEMENT
& TECNELOGY HAMIRPUR affiliated to Himachal Pardesh Technical University Hamirpur
here by declare that the report entitled NONBanking Training of the “Shri ram city union fin
ltd”. Distt Hamirpur (HP)has been the report under the supervision of Mr.Pankaj Banyal
and is very First and genuine copy. I myself originally prepared this report prepared on
the 26 days work period as an training. The report has not been published or subimitted or
published elsewhere before. Any work data or done by other and citied with in this report
given due acknowledgment and listed in the reference section.

I am ever for any peralty or charge if found any fraud regarding this report.

Date: ASHISH KUMAR

Place: Univ Roll No:20014426006

Gautam Insitute Of Management & Tecenology Hamirpur

[3]
 TABLE OF CONTENTS
Sr. No. PART Particular Page
No.

1 Cover Page 1

2 Certificate of Bank 2

3 Later of Declaration 3

4 Preface 4

5 Table of Contents 5

6 List of Table 6

7 1st INTRODUTION
1.1 Background of The report 7

Overview of The Report 8

Duration Of Training 9

Ways Of Information Of Collection 10

Scope Of Report 11

Sample And Design of Report 12

8 1.2 Objectives of training 13

9 General Objected 14

10 Specific Objected 15

11 1.3 Brief Introduction Of Banking

Organization

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12 Meanings and Definition of NON Banking 16

13 Functions OF NON Banking

14 1.4 Introduction Of Our

Organization SCUF
15 History of SCUF 17

16 Commerce and Management 18

17 Capital Structure and Financial Position 19

18 Business Deposits Policy 20

19 Products and services of SCUF 21

20 1.5 Organization structure of 22

SCUF

21 1.6 SWOT Analysis of SCUF 23

22 Position of Balance Sheet 24

23 2nd Weekly Practical Report 25-49

24 2.1 1st week 13 September – 19

September

25 2.2 2nd week 20 September -26

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 September

26 2.3 3rd week 27 September- 3

October

27 2.4 4th week 4 October- 09 October

28 3rd Recommendation and Conclusion

29 3.1 Overall Experience and Learning 50

Knowledge Gained

30 3.2 Recommendation 51

31 3.3 Summary and Conclusion 52

CHAPTER 1

[6]
 INTRODUTION
Bake ground the report The term TRAINING IMPLIES Students
participants in any organisation and Trainee for the partial fulfilment of the
degree for the awarded university . training is that sort of academic
curriculum and platform where student get

opportunity to gain practical Knowledge and develop the idea about how
to implement the theoretical Knowledge that gat they have been taught in
the university or colleagues.

According to Gross man: “An training is a professional work experience where

Learning is built into the business organisation”.

During the internship the student takes on responsibility in the business

organisation and participates in observing and learning while activity
performing duties supporting the business endeavours. The importance of an
training is for the student make a clear and distinct connection between their
academic learning and professional work place.

As an traney student, are look more practical explore about the market
industry marketing and operation compare to what they have known by
studing university and collages. As per the interest of student and decision of
colleges. Student are placed in different department like as marketing
finance and HR.

1. OVERVIEW OF REPORT:
This report “An overview of Non Banking Shriram City Union Fin. Ltd..” Has been
[7]
prepared the fulfilment of the requirement of the award of degree of Master of
Business Administration

Under the MBA program of “Gautam Insitute of Management & Technology,

Hamirpur Himachal Pardesh Tecenical University Hamirpur (hp)

The Internship program endure for26 days starting from 14 sep to 09Oct 2021
Internce has spent 26 days period in the following departments.

Table1.1.1

Duration of Name of Departments Time period in Days

Training in
Different
DepartmentsSr.
No.
1 Credit Departments 7

2 Customer Services Departments 14

3 Cash Department 7

Total 28

Training Methodology:

By methodology we mean who, when ,what and Where method techniques are
used to gather the data information make the analysis and represent to collected
data the draw up the report complete valuable and more meaningfull to another
word collection.

Data and Information collection.

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 Data information and other necessary materials that are method This report
complete and meaning full gathered from two sources, internally and exertrnally.
Some time orally Ihave collected information which is not available And these can
be gathered only personal experience.

Ways of Data Collection

1. Primary Data: First time collected data As a interance accumulated from primary
data from

a. Observation of Employees: Here primary data are collacted through

spending 26 days in the SCUF during the workinh Hour Here I Observed the
total banking process

b. Direct Involvement in work.

c. Informational Discussion.

2. The secondary data: had been collected from the MIS of SCUF. To
clarify

different secondary such web site, register book. In this regards internal
sources:

a. Bank Annual Report 2020-2021.

b. Previous reports and journal relevant to banking industry

c. Instruction of Head Office.

d. Bank issues seminar papers etc.

e. Books and Wikipedia source etc.

[9]
SCOPE OF STUDY:
The duration of study was a very short span time. It was very much hard to
complete a report as a assigned task by the Non bank So I had complete
this study Facinf by much time pressure This report cover only credit
department and General banking activities of Shriram City union fin ltd.
Especially this report of the comparison of different banks in interest rate
and deposit scheme in a financial products. It consider on one branch public
and private bank.

Sampling procedures and Research Design:

Icollected Primary data by random sampling size is non banking Employees Collected information
is processed by The use of computer system By using MS Excel and SPSS software to analyzed one
year account opening data One Year data are collected randomly and regular interval process And
Design.

OBJECTIVES OF TRAINING

Training is become the key for student to get employment To get am Employer a candidate
who has spent time working for a particular industry shows dadicate to a particular career
enthusiasm for a particular jop and importantly has Experience Moreover and offer Knowledge
of Proffesional carrer.

I internee have selected to do internship at KCC Bank one of the finest bank In HIMACHAL
PARDESH Banking on The credit department The Objected are internship highlighted as:

General Objective

Specific Objectives,

1. General Objective:

To Quality for the Degree of Master of Business Administrion.

2. Specific Objectives.

A To get the real picture of Professional life .

B To acquire that experience about the activities perform in the credit Finance dept.

C To acquire The Knowledge about the document needed the loan

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 D To identify the types of loan and their importance of business

F To identify the loan department of the bank

G To study the efficiently

Brief Introduction of the Banking Industry 1

Meaning of the non Bank

Non Bank is the Lawful organisation which accepts deposits that can be withdrawn on
demand pay interest clear cheque act as intermediary and make loan individual and
business those need it A part from this bank also provide financial services such as
wealth management and currency exchange and safe deposit locker and vault facility.

[11]
Utility Functions
The bank also performs General utility function such as:

1) LOAN.

2) CROSS SELL

INTRODUCTION OF SHRIRAM CITY UNION FIN

Shriram City Union Finance is India's leading Non-Banking Financial Company

(NBFC). Shriram City was incorporated in 1986, and is a part of Shriram
Group. Shriram City is providing specialized services in retail & Micro Small &
Medium Enterprise (MSME) lending. Shriram City is India’s most Trusted
Financial Services Brand, according to the Brand Trust Report consecutively
from 2016, this trust coupled with customer centric approach has propelled us
to be India’s number One MSME and Two-Wheeler financier. Shriram City has
a nationwide network of 900+ branches, with an AUM 29085 Cr and a
customer base of more than 4.76 million as on March 31, 2020.

Shriram City offers a broad basket of financial products, catering to every segment of Indian
society. It comprises vehicle loans (both new and pre-owned vehicles), Personal Loans,
Micro Small and Medium Enterprise (MSME) Loans, Gold Loans, and investment options
like Fixed Deposits.

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 BUSINESS:

SCUF offers a wide range of commercial and transactional banking

service and treasury products to Wholesale and retail customer The
Non Bank has to business Segements:

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 Deposit Policy
Customers as most important visitors in our premises they are not
dependent on us we are dependent on them. We are Determined served
them in particular and

Our community as a whole general with satisfaction through co-operatives.

TYPES OF DEPOSIT ACCOUNTS

1. Term Deposit Account

2. RD

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1Term Deposit Accounts:
The Deposit Received by the bank for a fixed period withdraw after the
expiry of the fixed period and include deposit such as recurring and Fixed
Deposits Etc.

Term Deposits can be opened by

1. Individual by Partnership firms

2. Private and Public LTD Companies

3. HUF and Socities Etc.

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 PRODUCT SCOPE

SCUF a bunch of Products and services to meet the every need people.
The Company Cares for both individuals as well as corporate and small

And Medium enterprises For individuals and cards assist the customers.

The customer are choose the suitable one from a range of products
which will suit their life stage and needs. For organisation the company has a
host of customised solution the range for funded service and not funded
service. Value addition services and non funded service value ,mutual fund

1 LOANS
a. Personal Loans

b. Home Loans

c. Two Wheeler Loans

d. New Car Loans

e. Used Car Loans

f. Commercial vehicle Finance

g. Working Capital Finance

h. Construction Finance

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i. Investment and Insurance

j. Mudra Gold Bar

ORGANISATION STRUCTURE OF SCUF:-

The management of affairs of the bank shall best as defined in the laws in the
following boddies and officers.

The General body determined the policy of the bank

1. The board of directors

2. The Executive Comitee.

3. The managing Director

4. The General Managers.

ADMINISTRATIVE SET UP OF BANK:

1. Board of Director
2 Chairman.

3 Managing Director

4 General Manager

About Branch Office, Hamirpur for the financial year

2020- 2021
Total Number of Employees=9
With designation of Branch Manager Mr. Pankaj Bnayal
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Junior Assistant Manager Rahul Kumar

Senior Clerk Abhay Kumar

Cashier Arun

(Detail of SCUF Bank, Branch Office Hamirpur)

Sr. Particular Amount in Fig (in Amount in

No. Lakh)31/03/2020 fig(in lakh)
31/03/2021
1 Turn over The Year 880000 950000

2 Total Deposits of the 702654 759005

Year

3 Deposit ratio 21.00% 22.55%

4 Loan and Advance 172169 167646

5 NPA non Performing 8% 8.50%

Assets

6 Saving Accounts 7600 7792

7 Profit and Loss 1666000 1667000

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SWOT ANALYSIS Introduction

of SWOT Analyses
A swot analyses is a structure planning method used to evaluate the
strengths weakness, opportunities and threats involve in a project or in a
business venture. A SWOT analyses can be cerried out for a business venture
A swot analysies can be carried out for a project place company firm or
person it internal and external factor that are favourable and identifaction

1. STRENGTHS: characteristics of the business or project that give it an

advantages over other.

2. Weakness characterstics that place company or project at a

disadvantages over other.

3. OPPORTUNITY: elements that the project could exploit its advantages.

4. THREATS: elements that environment could cause trouble for the

business project.

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STRENGTH

The biggest strength of non bank is direct banking channels. Saves

time and money both as a customer does not need to go to bank for
any kind of Transaction except cash withdrawl and cash deposit
all other things are done sitting

WEAKNESS

a. Resistance to change

b. One should have the Knowledge of the operation of the

computer and all of course the internet.

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[21]
CHAPTER 2
WEEKLY
PRACTICAL
WORK

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 1st WEEK
14 September 2021 Tuesday Firstly I come Enter in
Branch and Meet The
Branch Manager and Staff
in whole of the organisation

15 September 2021 Wednesday Branch manager are

assigned me work on
present the speech on
banking customer in the
topic of Scuf

16 September 2021 Thursday Provide me information on

employees job profile and
status of work

17September 2021 Friday I Learn that working system

of bank and how deal with
Audience. Also some learn
that non banking
Function& operation Area
of SCUF
18September 2021 Saturday I also learn about how to
introduce yourself in any
organization norms, culture
and rule of organization

[23]
19 September 2021 Sunday HOLIDAY

2nd WEEK

20 September Monday
2021 To gain the practical
Knowledge of Giving
loan

21 September Tuesday Today fill the Deposit

2021 slip form in the
Branch

22 September Wednesday Fill Loan

2021 Application Form

23 September Thursday Marketing

2021

24 September Friday Fill the loan file

2021

[24]
25 September Saturday HOLIDAY
2021

26 September Sunday HOLIDAY

2021

3rd WEEK

27 September Monday I Learn that how to

2021 fill Gold loan file

28 September Tuesday Today i am Learn

2021 To mange
customers

29 September Wednesday To provide

2021 different loans

30 September Thursday I Know About cross

2021 sell produts

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 1 October 2021 Friday I Learn about
Loan products

2 October 2021 Saturday

Gandhi
Jayenti(Holiday)

3 October 2021 Sunday HOLIDAY

4th WEEK
4 October Monday Prepare the cash
2021 report and who cash
to dealing

5 October Tuesday How to print a Loan

2021 statement

6 October Wednesday Leave (Holiday)

2021

7 October Thursday Apply form Of loan

2021

[26]
8 October Friday Thanks for all the
2021 staff co-operation

9 October Saturday Second Saturday

2021 (Holiday)

st
1
[27]
 WEEK

14 September 2021 (Day 1)

Firstly I come from branch and meets The Branch Manager of bank. I
introduce myself and I explain the purpose regarding On The Job Training
on The requirement of Programmes.

15 September 2021 (Day 2)

Branch manager are assigned me work on present the speech on non
banking customer in the Topic of KYC ( Know Yours Customers ) Norms KYC
is an acronym for “ Know Your Customer” and is a term used for Customer
Identification Process with any financial entity. KYC establishes an investor’s
identity address through relevant supporting document such as prescribed
photo id (PAN card , Aadhar card) and address proof and In Person
verification KYC compliance is mandatory under the prevention of money
Laundering Act,2002 and Rules framed there under SEBI and Anti Money
Laundering (AML) standard.

16 September 2021(Day 3)

[28]
Provide me information on employees job profile and status of WORK IT
Provides the all of information regarding to the whole of work and particular
job status to the individual employees to the branch.

17 September 2021 (Day 4)

I learn that working system of bank and who deal with Audiences. Also learn
that banking Functional & operating Area of scuf.

18 September 2021(Day 5)
I also Learn about how to introduce Yourself in any organization. And some
other behaviour in organizations, Norms and Cultures and Rules of
organization. The objective of Bank provide Finance for number of corporate
bodies, and Financial support of customers, My Work status of week is
Accomplished and I say that it is very important to Know the organization.

19 September 2021 (Day 6)

Today is Sunday holiday

[29]
2nd
WEEK

[30]
20 September 2021 (Day 7)

To gain the Practical Knowledge of Opening a Bank Accounts : This

is the primary and important function of bank employees. Also it is my
objective of how to open a new accounts.

I do the practical work during the training how to open a new bank account In
this stage I follow some steps:

1. Fill up the personal details of customers in application form i.e.

a. Name Address, Contact No etc

21 September 2021 (Day 8)

[31]
Today fill the Deposit form in the branch In the deposit slip is a form
supplied by a bank for a depositor to fill out designed to document in
categories the items included in the deposit transaction.

[32]
22 September 2021 (Day 9)
Today I am fill the Loan Application form and know about how to
manage customers.

[33]
 23 September 2021 (Day10)
Transfer Vouchers are those which are prepared for transactions not
involving cash. Example of these are invoices or bills, Debit and Credit notes
etc.

[34]
 24 September 2021( Day 11)
To next day fill the all loan files and know how to fill any loan file in
NBFC.

[35]
[36]
25 September 2021 (Day 12)
On every last Saturday in the month branch there is a close.

26 September 2021 (Day 13 )

Today is Sunday holiday.

[37]
 rd
3
WEEK

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 27 September 2021 (Day 14)
To fill the gold loan file an know about all things og gold loan.

28 September 2021 (Day 15)

Today i am Learn to manage customers and know how to solve customers
problems
29 September 2021 ( Day 17)
To Know howto provide a different types loans by non banks loans is the
another importance of the NBFC . i focus on the loan because I know about
the loan procedures and i am interested to know bank who provide the loan
by customers.

For exp Kisan credit loan, Vehicle loan two Wheeler and Four Wheeler loan ,
consumer loan , house loan, SSI loan .

30 September 2021( Day 18)

I Know about sell products like insurance and fixed deposit etc.

1 October 2021 (Day 19)

I learn about all loan products that I how I can give loan to customers
and rate of interest .
Today is Gandhi Jayenti Holiday.

3 October 2021(Day 21)

Today is Sunday Holiday

[52]
 4th
WEEK
4 October 2021 (Day 22)

[53]
 Prepare the cash Report and How to Cash Dealing

To Achieve the Knowledge About Cash Department : it is a important part or

function of bank because without cash has been no transaction of banking
system. It is also involves the collection , handling, usage and flow Liquidity .
So it is very important to Know about banking cash system.

I do this work in Cash Department with the help cashier Receipts and cashier

5 October 2021 (Day23)

How to use a print an Loan statement.

6 October 2021(Day24)
Today to me leave Holiday.

7 October 2021(Day25)
To Fill the Application Form For loan
)

8 October 2021( Day26)

Thank you to all their co-operation and for their valuable time.

9 October 2021 (Day 27)

Second Saturday (Holiday)

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