Project report submitted to

l lYERSrn· OF ,1t")ffiAI OF PARTL-\1 co,IPLETIO. - OF THE

DEGREE

BACHELOR OF B..\..'aa G ..\..,1) SLR.\.. CE

lJ l>ER THE FACCLin· OF co,1'l£RCE

BY

MISS Asbwini Sbasbikant Dbawale

CLASS: TYBBI, ROLL O: B12020006

UNDER THE GUIDA CES

OF
ASST.PROF, Mr. Amin 1\

Manlaha Education Trust'•

Smt. Janakibai Rama Salvi College

An ISO 9001:2008 Certified Collogo
Accr9dlted By NAAC with Gr.«ie ·e·
We Bollovo In tho Pow r of Education
 SMT. JANAKJBAI RAMA SALVI,

DEGREE COLLEGE OF Arts, COMMERCE & SCIENCE

MANISHA NAGAR, KALWA (W), THANE -400605

CERTIFICATE
This is to certify that, Miss Ashwini Shashikant Dhawale (T.Y. B.Com (Banking and
Insurance)

Semester VI Seat No: BI2020006 has undertaken & completed the project titled "TO
STUDY THE FUNCTION OF COOPERATIVE BANK (TJSB BANK)"

During the academic year 2022-23 under the guidance of Asst. Prof. Mr. Amin Memon
submitted of 2023 to this college in fulfilment of the curriculum of

BACHELOR OF BANKING AND INSURANCE, UNIVERSITY OF MUMBAI.

This is a bona fide project work & the information presented is true & original to the best·
of our knowledge & belief.

PROJECT GUIDE EXTERNAL EXAMINER

 DECLARATION BY LEARNER

I the undersigned here by, Miss Ashwini Shashikant Dhawalc declare that the work
embodied in this project work "TO STUDY THE FUNCTION OF COOPERATIVE
BANK (TJSB BANK)"

Fonns my own contribution to the research work carried out under the guidance
of Mr.Asst. Prof. Amin Memon_is a result of my own research work and has not
been previously submitted to any other University for any other Degree/Diploma to this
or any other University.

Wherever reference has been made to previous works of others, it has been clearly
indicated as such and included in the Webliography and bibliography.

I, here by further declare that all info1mation of this document has been obtained and
presented in accordance with academic rules and ethical conduct.

(Miss Ashwini Shashikant Dhawalc)

?--
Name and Signature of the Learner

Certified by

(ASST. PROF. Mr. Amin Memon)

Project Guide
 ACKNOWLEDGEMENT

To list who all have helped me is difficult because they are so numerous and the depth is
so enonnous.

I would like to acknowledge the following as being idealistic channels and fresh
dimensions in the completion of this project.

I take this opportunity to thank the University of Mumbai for giving me chance to do this
project.

I would like to thank my Principal, {ASST. PROF. Mr. ALKRISHNA SHINGOLE)

for providing the necessary facilities required for completion of this project.

I take this opportunity to thank our Coordinator Asst. Prof. Mr. Amin Memon for his
moral support and guidance.

I would also like to express my sincere gratitude towards my project guide (ASST.
PROF. Mr. Amin Memon) whose guidance and care made the project successful.

I would like to thank my College Librarian, for having provided various reference books
and magazines related to my project.

Lastly, I would like to thank each and every person who directly and indirectly helped me in
the completion of the project especially my Parents and Peers who supported me
throughout the project.
Sr No. < l111p1,.,, l'Al.t: ,t,

-
('IIAP'll,11,I flfl(JIJ(}(,'lf(J f 11 JA

1.1 l111,"'l1u..11w1
I
5 Ir 11
1.2

1.3
11ic.ilor1,;il H;1'- f{r<,uml
- % fr, • 4

IS'fr, 2'3
I

l'rc-l'rofilc o ·f r he tudy

1.4 Selection And Relevance of'Jopic with BanJ-:ing r;1nd Jn·,uram,,;

CouP,c 24
:I

CHJ\Pl l:,R 2: LJTERA'JURt PJ::.VH:.W I 2r, - 1

2.1 Introduction To Literature Review I 2r, to 2

2.2 Literature Review of Past Research 29 to j(J

2.3 Research Gap -t l

CHAPTER3: RESEARCH
-t3
METJIODOLOGY

3.1 Objective of the Mudy 44

3.2 f I ypothc1,i -t51o 50

3.3 Scope of thc 1,tudy 51

3.4 Limitation of the 1,tudy 52

3.5 Data collection 53 to 54

2
 CHAPTER 4: DATA ANALYSIS AND

56 TO78
INTERPRETATION

..J.l TJSB bank 56-59

4._ Data Process 60

..J.3 Data Analysis 61

-.J..4 Data Interpretation And Presentation 62 to 78

CHAPTER 5: FINDINGS AND

. 80-82
CONCLUSION

5.1 Findings 80

5.2 Suggestions 81

5.3 Conclusion 82

I
j Bibliography 83

Annexure 84-88

3
 - - -

CHAPTERl

INTRODUCTION

4
 Co-operatiYe l\1ovement in India
The Co-operati\'e Mo\'ement in India was born out of the distress and turmoil that prevailed in the
la t quarter of the 19th century. The Industrial Revolution had given a death blow to village industries
and drfren people to agriculture, the only avenue of employment and livelihood. The consequent
ub-di,·ision and fragmentation of holdings had made agriculture an uneconomic proposition. This,
ombined with the rigidity of land revenue collection, uncertainty of rainfall and, therefore, of crop
production. compelled the agriculturist to knock at the door of the money-lender who advanced
money either by purchasing the crop at a throwaway price or by charging a sky-high rate of interest.
The deteriorating condition of fanners under the heavy strain of increasing indebtedness and frequent
famines not onJy proved the inadequacy of legal measures but also emphasized the need for the
provision of cheap credit through an alternative agency The primary objective of this movement was
to reLie e the peasants from the clutches of moneylenders and from the vicious circle of indebtedness
through supply of credit at lower rate of interest. Co-operatives today cover the entire spectrum of
activities in rural areas and serves as an alternative source to villagers who otherwise were dependent
on moneylenders for supply of credit.
The co-operative movement is responsible for comprehensive development of primary agricultmal
credit societies to function as multi-purpose, viable units. Though co- operative movement in our
nation began as a credit movement, ultimately non-credit activities were introduced in the co operative
structure. Even though, the credit activities still constitute the most significant element of the co-
operative movement. At present cooperatives are destined to emerge as dominant undertakings in
vital sectors of the economy like agriculture, fisheries, industrial development, and handloom sector
etc.