M.B.A.

PROGRAMME

CHAPTER: 1
INTRODUCTION TO THE STUDY:
Non co-operative bank in India can start banking business without the permission of
the R.B.I as per the amended section 23 of this act, no any co-operative bank can purchase
new place or can change the place except the change of the place in the same city or town
however this rule is not applicable or conference for the period of the month. Except the
primary co-operative bank, no other co-operative bank can start business without the
permission of the R.B.I. However, NABARD Loans and Deposits constitute very important
function in any path sanstha. Deposits is the soul of path sanstha. Therefore, loans and
deposits are the two sides of the same coin. The company collects deposits from the members
and from the non-members. Provides loans to needy people. The pat sanstha depend upon
the funds deposits with them by the public. Increase in the deposits over the year is the
indicator of the progress of the company and goodwill of the company. Deposits are held at
financial institute that has a fixed term. In finance, a loan is a debt provided by one entity to
another entity at an interest rate, and evidenced by a note, which specifies, among other
things the principal amount, interest rate, and date of repayment. A loan entails the
reallocation of the assets for a period, between the lender and the borrower.
With the above thing in background and as a part of fulfilling the university
requirement for the award of Master of Business Administration Degree, it is necessary for
each student to visit in the organization during vacation for implant training. For the said
training, “A. P. PATIL SARVODAY GRAMIN SAHAKARI PAT SANSTHA
MARYADIT, HASUR” has been selected after contacting and getting the confirmation letter
from the organization. The topic selected for the research is “A Study of Loans and Deposits
With Reference To A. P. Patil Sarvoday Gramin Sahakari Pat Sanstha Maryadit, Hasur”.

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OBJECTIVES OF THE STUDY:

1. To study the overall financial performance of the organization.
2. To study the efficient utilization of deposits and the loans granting capacity of pat
sanstha.
3. To study the loans and deposits schemes of the pat sanstha.
4. To study the different parameters considered for sanctioning of cash credit loan
with the help of cases studies.
5. To make suggestions if any to improve the performance of A.P.Patil SGSPMH
in terms of effective management of loans and deposits.

IMPORTANCE OF STUDY:
The current study helps to analyze the financial condition and performance of the
organization. Because the income statement indicates the profit earned by an enterprise
during an accounting year. A look at the absolute figures of these two statements may not
indicate how the enterprise has actually fared during the year. The use of ratio helps in
making meaningful analysis of the performance of an organization. This analysis may reveal
the management efficiency in utilization of resources, financing of assets and it can also be
used for appraisal of various policies like credit policy, inventory policy etc.

RESEARCH METHODOLOGY:

1. Period of Study:
The study has been conducted during 50 days of internship at the organization and
the income statement, balance sheet of last 3 years have been used for the purpose of analysis.
2. Sources of Data Collection:
Secondary Sources:
Secondary data is second hand information, which is collected and complied by some
other purpose, which can be used for the study. For this research work, the secondary data is
collected from following sources.
a) Annual reports of the company.
b) Manuals of the company.
c) Magazines, books from the library.

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SCOPE OF THE STUDY:

The purpose of preparation of this report is to focus on the lending function of pat
sanstha with specific reference to A. P. Patil Sarvoday Gramin Sahakari pat sanstha
Maryadit, Hasur. There are different types of loans that are financed by the company, they
are classified as fund, and non-fund based loans.

LIMITATIONS OF THE STUDY:

1. The data, which is very confidential from management’s point of view, was not
made available for the study.
2. The study is limited only to loans and deposits schemes of the Bank.
3. The time for the project was 50 days, which was insufficient to carry research study
thoroughly.
4. As per the policy of the bank, only common information was provided and hence
non-availability of strategic information had limited the study to few findings.

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CHAPTER: 2
COMPANY PROFILE:

From the ancient time, there is kingdom of private. Bankers have a private loan
system in rural areas. The loan obtained from private bankers is very expensive having in
interest people are suffered from bankruptcy.
The founder shri. Annasaheb P. Patil gathered people and total the smart idea about
getting rid of from high interest Loan and facility of loans in low interest based on credit co-
operative society. This credit co-operative society is established and started in the year 1 Jan
1990 solving the economic problem of poor to middle class people.
AP Patil Sarvoday Gramin Sahakari Pat Santha Maryadit is one of the big and well-
settled credit co-operative societies in Hasur. The Sanstha is registered under the co-
operative society act and consisting the 17 members of board director.
The head office of the society is Hasur. The other branches of the said society are 13,
which are developed in Kolhapur and Sangli district such as Hasur,Ganeshwadi, Kurundwad,
Umalwad, Udgav, Alas, Shirti, Akiwat, Maishal, Nandre, Arag, Danwad and Datwad.

FUNCTIONS OF A.P.PATIL GRAMIN SHAHAKARI MARYADIT PAT

SANSTHA:
1. Acceptance the deposits from the public. The society accepts deposits from of cash
from members and non – members.
2. The lending of money to the person who need finance.
3. The sanstha provide security of Gold, House, Property, Valuable documents and
Goods.
4. The deposits accepted from the public are refundable either on demand or other a
stipulated period.
5. Payment of interest to deposit and changing higher rate of interest for the loan given
to borrowers. There are the difference between the interest that society have to its
deposits and the interest that is changes on the loan accounts. This gap covers up its
express and a leave a margin of profit.
6. The deposits accepted from the public are refunded eighteen on demand or after a
stipulated period.

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BOARD OF DIRECTORS:
The A.P. Patil Sarvoday Gramin Sahakari Pat Sanstha the following Board of
Directors manages Maryadit, Hasur.

Sr. No. Name Designation

1 Shri. Babasaheb A. Patil Chairman

2 Shri. Dada S. Chougule Vice Chairman
3 Shri. Surendra B. Bhende Director
4 Shri. Aapaso S. Chougule Director
5 Shri. Bandu D. Mangave Director
6 Shri. Vijay S. Mangave Director
7 Shri. Subhash B. Shirgave Director
8 Shri. Shailesha R. Dhumal Director
9 Late. Dhondiram S. Sawant Director
10 Shri. Birapa R, Gavde Director
11 Sao. Sushila A. Patil Director
12 Smt. Malutae D. Khatavane Director
13 Shri. Aniket B. Patil Expert Director
14 Shri. Ramesh R. Chougule Expert Director
15 Shri. Parisa B. Borgave General Director
16 Shri. Abhijeet B. Patil Asst. Gr. Director

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ORGANIZATION SET-UP A.P.PATIL SARVODAY GRAMIN SHAHKARI

MARYADIT PAT SANSTHA:
For the organization set-up shareholders is the owner of the society. Shareholders
have certain power, which they exercise in the annual general meeting. They select Board of
Directors and have power to remove them.
Chairman is selected from directors, directors are selected representative of
shareholders and they are interested with substantial power of management. The directors
are of the prosperity and money of the society and exercise money power in the society. The
board of directors has all authorities except those reserved for shareholders in general annual
meetings.
Not all shareholders of the sanstha participate in day-to-day management transaction.
Therefore, it was necessary they should know the general policies and share of affairs of the
sanstha and review to progress. Prospects of the annual general meeting provided them an
opportunity annual general meeting this held regularly once in year. A notice is necessary
for holding meeting, must be accomplished by annual report, and audited statement of
accounts along with the auditor’s report before 21days. 17 directors are selected from from
the members of sanstha and out of woman as per Maharashtra Co- Operative; societies act
1960 under section 73BBB.
Annual general meeting is held a regularly once in year. The period between two
annual general meetings should not excess 18 months. A notice of 21 days is necessary to
hold report. Audited statement of accounts along with the auditors there on.
Chairman and board of directors are only decision makers. Secretory and office staff
are actual participation in daily working of the company by low registers, accounts, reports
etc. He helps to the directors for taking decision and annual report at the time of general
meeting.
The appointment of secretary is to be done by Co-operative low. Agents are only
pigmy deposits collectors. They get commission on amount that collected by them deposit
holders.

AUDITING:
In this year 2021-22 Shri. E.D. Shedbaleso checked the audit so the society and he
has given ‘A’ grade to the bank. The society has achieved always ‘A’ grade in the past also
from the beginning. In the audit report of shri. E.D. Shedbaleso has raised and

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appreciated the working pattern of the bank and the overall auditing of society. He is also
given a special guidance and suggestions for the future betterment and success of society in
the next year.

PROGRESS OF A.P.PATIL SARVODAY SHAHAKARI MARYADIT PAT

SANSTHA:

PARTICULARS 2020-21 2021-22 2022-23

Share holders 6,814 7,169 7,863

Share Capital 3,82,32105 4,19,08,075 4,86,71,47,413
Deposit’s 74,26,62,007 77,04,63,940 87,71,47,413
Reserve Fund 7,67,13,214 9,01,36,558 956,16,754
Investment 37,41,53,192 40,37,25,849 51,17,31,973
Loan 48,94,37,194 50,52,13,635 56,29,68,980
Net Profit 1,04,77,123 68,81,205 1,08,83,764
Dividend 12% 12% 12%
Audit A A A

THEORETICAL DESCRIPTION OF TABLE:

From the analysis of above table it is clear that the shareholders of company have
increasing trend in 2022-23 as compare with financial year 2020-2021 and 2021-22. It is
clear from above table that the share capital of company have increasing trend. A deposit of
company is increasing trend as well as loans of company is increasing trend. It is clear that
the net profit have increasing trend. The company’s financial position is very good .From
the analysis of the above table it is clear that the company got ‘A’ Audit class in every year.

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Company Profile:

Name of Company A.P. Patil Sarvoday GraminSahakari company

Maryadit, Hasur.
Address Nearby Marathi, school Hasur.
Tal- Shirol Dis- Kolhapur
Year of Establish 1st Jan 1990
Founder Shri. Annasaheb P Patil.
Chairman Babasaheb A. Patil.
Number of workers 102
Head Office Hasur.
Reg. No. KPR/SRL/RSR(CR)631/1989-90
State Maharastra.

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ORGANIZATIONAL STRUCTURE:

Chairman
n

Vice-
Chairman

Board of
Directors

Manager

Junior
Officer

Pigmy
Cashier Clerk Agent

Peon

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CHAPTER: 3
THEORETICAL BACKGROUND

INTRODUCTION DEPOSITS AND LOANS:

Co-operation means working together. It is group of instinct men, which market him
to live together, and help each other in times strain. This is capital by share, deposits, and
debentures of loans and as financial accommodation with the help of available.
Deposit is the heart of the credit society. The society collects deposit from the
members of the society and non-members. In addition, the society provide finance to the
needy members. Therefore, society depends upon the funds deposits with them by the public.
Increase in the deposit each year is the indicator of the stability and goodwill of the credit
society.
Loans also render a great help in economic development. The loans play an important
role in the industrial development and economical development of the country. Credit society
provides loans to agriculture and small industries. In credit society business, the loans have
unique significance. In India, co-operative credit society provides loans under various
schemes for small-scale industries.
The co-operative organization is the serve the common person and to liberate him
from the oppression of the economically strong people and organization, Mutual assistance
and service is the objective as distinguished from the aim of the objective as distinguished
from the aim of the other forms of organization, which is primarily making of profit. It aims
at encouraging self-help on the part of economically weaker section of the society by looking
after their own affairs in co-operation with one another.
The principal theory of true co-operative organization is the elimination of profit and
provision of goods and service to member of cost as a form of organization it is an enterprise
ordinarily set up by “economically weak” individuals to further their common economic and
social interest eradicate capitalist exploitation, to consumer and producer to gather.

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NATURE OF DEPOSITS:
There are various ways in which bank deposits rights tual cash and they may deposit
right to reserve cash; these dights to receive cash may be in the form of a cheque a bill, a
promissory note owing to them etc. However, all the banks insist chat while opening a new
account; the first deposit must be in her form of cash. When a receive a cheque bill or
promissory note from a customer, he collect or it and credit the customer’s accounts with the
proceeds. Deposit may also arise to out of loans granted by the bank of through the process
of discounting a customer’s account with the proceeds. Deposits may also arise out of the
process of discounting customer’s bill. In this case are known as credit deposits. In actual
practice, the larger than that of deposit received in hard cash or in the form of rights to rights
to receive cash.

NATURE OF LOANS:
The granting of loans is one of the most important function of a bank and the test of
banker’s strength depends considerably on the quality of its loans and the proportion they
bear to the total deposits. In the money, Linder most carefully consider the chance of the
obligation of the borrower alone but wants some tangible security to safeguard his loans in
case the borrower is unable to meet his obligation. Most important qualification of a
successful banker is always had been his ability to judge the character and credit worthiness
of his customer.

DEFINATIONS:

Co-operative:
“A co-operative organization is a voluntary association with unrestricted
membership. In addition, collectively owned funds, organized on democratic principle of
equality by persons of moderate means an incomes, who join together to supply their needs
and wants through mutual action. In which the motive of production and distribution is
service than profit.”

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CHARACTERISTICS:
As a form of business organization, the co-operative ociation possesses the following
special characteristics.

1. Co-operative society is a voluntary association :

The members of the society is voluntary and open to all persons having a common
interest. In other words, there is no compulsion for anyone to become members, not
can any person be denied the right to become a member of the society.
2. Its membership enjoy equal voting rights :
A co-operative society is a democratic organization and so all its member has equal
rights in the management of its affairs. The rule is one member, one vote. Therefore,
each member has one vote irrespective of the number of share held by him.
3. Its management is democratic :
As a necessary result of the principle of equality, the management of a co-operative
society is essentially democratic ingenerate operative society is essentially demo co-
operative society work on local basis, which enable almost all the members to attend
the meeting and select their managing committee.

DEPOSITS:
The main important function of the pat sanstha is the collection of deposits. The pat
sanstha will be collected money by the members of company and by non-members.
Therefore, company depends upon the funds deposited with them by the public people who
have surplus money deposited to the pat sanstha for safekeeping. Company give interest on
such amount deposited, there are various scheme of depositors these scheme are as under.
1. FIXED DEPOSITS
In this account period is fixed, no withdrawal can be allowed during the period. Therefore
they are called time deposited are accepted for a specific period a specific rate of interest.
One certain amount of deposited that amount will remain till its maturity period. In this type
of deposit the fixed for minimum period of forty-six days and maximum period three year.
In this account, no passbook only fixed deposit accepts. In addition, certificate is given to
depositor of the deposit values. In depositor need money before maturity of date, the
company gives 80% loan to the deposit holder, The Company will acquire 2% additional
interest on give him the rate of interest.

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2. SAVING DEPOSITS
Saving deposit is hybrid of the current deposit and fixed deposit. Saving deposit can be
withdrawn subject to certain limitations, regarding the amount to be withdrawal, frequency
of withdrawing money etc., some banks may allow one withdrawal in a week and other banks
may put ceiling on the amount pre withdrawal. The company pays interest on such deposits
twice in an interest is calculated based on monthly minimum balance. The main object of
this account is not only interest to develop saving habit. The big amounts are generally
transferred to term deposit accounts as per the requirement and interest on saving bank
account interest rate is 5%
3. RECURRING DEPOSIT
Depositor gets lump sum amount on maturity of the deposit by means of which he can
arrange to purchase valuable exquisites or festival expenses. The depositor by opening long-
term account for this daughter’s marriage, purchasing of property and so on.
4. DAM DUPPAT DEPOSIT
In this scheme depositor deposit money for fixed period depositor, get money back in
one instalment. In this type of deposits, depositor get back double amount after maturity
period of this deposit is very high and long period. Depositor wants to keep deposits in dam
duppat scheme because that amount can be utilized in marriage or in higher education of son
and daughter. Interest rate on this type of deposit is 12% and its maturity period is 7 years
and 8 months.
5. PIGMY DEPOSIT
Pigmy deposit is a scheme under which depositor was not to attain the bank the banks
collection agent come to his door and collected deposit. This collection is on daily basis.
These pigmy-collecting agents attain the small businessperson having retail shop such as
panpatti shops, vegetables stall and very small neglected depositors. A small business means
have to not time to into bank and deposit money, because they are having no working in the
shop every day and collects amounts.
6. LAKHPATI DEPOSIT
This scheme is same like a recurring deposit every person wants to become lakhpati by
the scheme of lakhpati. In this scheme, installments are fixed like recurring. The amount of
installment is Rs. 1,300 per month. There is condition to pay the installment up to 60 months
then after the completion of instalments depositor can get 1.00.000 it is useful for service
member or an income a lakhpati.

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LOANS:
The co-operative societies are commercials enterprises. Therefore, they are always
in earing profits whatever deposits are mobilized cannot be kept idle in stock room. These
deposits are utilized as loans and called advance to needy person and business installation.
A loan is emerging as an important source of business financing in recent years. Loans
constitute the major of intimation term financing. Unlike short term loans of which are self-
liquidation over a period of less than year. Long-term loan are given for a period of more
than one but less than ten years.

1. GOLD LOAN
In such type of loan, gold or any ornament are placed in custody of company of name as
security. The loan is given based on valuation of gold, prepared by authorized valuation of
pat sanstha. The loan is given 80% of gold value. The process of sanctioning this type of
loan is very simple. There is no need of guarantor or of any other papers security gold is high
marble table for the company and hence it is benefit not only to borrowers as well as to the
company. This period for this type loan is very small i.e. one year.
2. CASH CREDIT LOAN
A cash credit is a term commonly used to describe an arrangement under which customer
is aloud advance up to certain limit either on his personal guarantee or on the guarantee of
another people. This loan is generally for the period of one year. However, the
businessperson can renew cash credit may be secured. The society can give cash credit on
the security of raw material stock or any other assets.
3. SHORT TREM LOAN
This type of loan is generally given for the period up to one year. The repayment period
for these type of loans is generally 3 months, 6 months or a year. The minimum Rs. 5000,
10000, 15000, 20000 is under short-term loans. These loans are again divided in to two parts
i.e. secured or unsecured. The society advances only short-term loans for a seasonal
agricultural purpose.
4. FIXED DEPOSIT MORTGAGE LOAN
Fixed deposit loan is the depositor keeps loan against the fixed deposit. Once a depositor
deposits a money under fixed deposit scheme, he cannot withdraw the amount before its
maturity. It there is financial problem to the depositor the bank grants 70% to

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80% loan on the amount deposited by the depositor. Interest rate on this type of loan is 13%.
5. VEHICLE LOAN
Pat sanstha gives this type of loan to its members for purchase vehicle. This type of loan
is sanctioned against security of hypothecation of vehicle. Pat sanstha notes its charge with
RTO-71 are compulsory the vehicle till the time of full repayment. This loan can be repaid
in monthly installments society also charged the interest to his type of loan. Machine loan is
also like vehicle loan. However, it is mainly useful for businessperson, industrialists etc. this
loan sanctioned against the security.

ADVANTAGES OF LOANS:
1. Keep Control of the Company: A bank loans money to a business based on the value of
the business and its perceived ability to service the loan by making payments on time and
in full. Unlike with equity finance where the business issues shares, banks do not take any
ownership position in businesses. Bank personnel also do not get involved in any aspect of
running a business to which a bank grants a loan. This means you get to retain full
management and control of your business with no external interference.
2. Bank Loan is Temporary: Once a business borrower has paid off a loan, there is no
more obligation to or involvement with the bank lender unless the borrower wishes to take
out a subsequent loan. Compare this with equity finance, where the company may be paying
out dividends to shareholders for as long as the business exists.
3. Interest is Tax Deductible: The interest on business bank loans is tax-deductible. In
addition, especially with fixed-rate loans, in which the interest rate does not change during
the course of a loan, loan-servicing payments remain the same throughout the life of the loan.
This makes it easy for businesses to budget and plan for monthly loan payments. Even if the
loan is an adjustable-rate loan, business owners can use a simple spreadsheet to compute
future payments in the event of a change in rates.
4. Bank Loans Are Flexible: Bank loans involve many different variables, including the
term of the loan, the fees that apply to the loan, the requirements for application, the interest
rates, and so on. These will be different from one bank to the next and are typically
negotiable, allowing you to go for the terms that favor you the most. With the ability to shop
around from one bank to another and to negotiate for better terms, it is very easy to get a
sweet deal with a bank loan.

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5. Credit Improvements: Another one of the advantages of borrowing money is that,

depending on your debt situation, you can actually improve your credit in the process of
taking a loan from a bank. If you take out a long-term loan from a bank and make all of your
payments on time, your credit score will improve over the life of the loan. In case you finish
paying off the entire loan on time without any missed payments, your credit score will
actually improve.

DISADVANTAGES OF LOANS:
1. You Risk Foreclosure if You Cannot Repay the Loan: A bank will not take ownership
of your business when you first take out a loan. However, depending on how the contract is
drawn up, you risk the bank foreclosing on your business in the event that you are unable
to repay the loan. Most business loans are secured, which means something is backing the
loan. It could be collateral or a guarantee. If the loan is secured by collateral, then the bank
can claim some asset of yours or your business in the event that you cannot repay the loan.
In the extreme cases, the bank can take over your entire business.
2. Guarantee Secured: If the loan is secured by guarantee, then it means that someone else
has cosigned on the loan and it is his or her personal assets or the assets of their business
that are on the line. If you do not repay the loan, you will be putting someone else at risk.
If the bank takes over your business, it is up to them to figure out how to recover their
money from your business, which might involve selling it as a whole or disbanding and
liquidating it altogether. That can be devastating for many business owners.
3. High-Interest Rates: When you take a loan from a bank, there is always the chance that
interest rates could go up over time, especially if you have taken a loan with variable interest
terms. That could potentially make the loan very difficult to repay. There is also the
possibility that the terms of the loan can change during the life of the loan, making it
unfavorable for your business. Many banks have been known to make stricter demands and
harsher terms for loans given to businesses when those businesses undergo a period of
failure.
4. It Could Ruin Your Credit: Your credit history is an important factor that the bank will
consider when deliberating on whether to give you a loan or not. You do not have to worry
about your credit rating when you are exploring other sources of funding, such as

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equity financing, but it is one of the most important factors in debt financing. If you have a
good credit rating, then you can look forward to better chances of getting your loan
application approved and getting favorable terms. On the other hand, bad credit will make
you unattractive to most banks and make it very hard for you to get a loan.
5. Risking Your Credit Score: Even if you do have good credit and manage to get a loan
from the bank, you risk jeopardizing your credit score when you fail to make payments on
time or fail to pay the loan back completely. Short-term loans are the riskiest as they can
bring your credit score down in a short amount of time. With a long-term loan, one missed
payment can be rectified by making future payments on time. With a short-term loan, that
one-time payment may be all you have to save your credit score and missing it might make
all the difference at your next loan application when your credit score is less than perfect.

ADVANTAGES OF DEPOSITS:
1. Guaranteed money security: If you are afraid to invest and save because of safety, the
deposit is the right choice. The security of your money is guaranteed because you have an
account at a bank. When you have deposited your money in a bank, the bank will ensure
security.
2. Little risk: Deposits are investment instruments that have little risk. If you use the money
for business capital or other investment, it will undoubtedly have a different amount of risk.
However, with deposits, the risk is very small or not at all.
3. Flowers are big enough: The interest you will get when you make a deposit is quite
significant compared to ordinary savings types. The bank will determine the interest rate per
quarter or year, depending on the deposit term.

DISADVANTAGES OF LOANS:
1. Less profit: Even though you have earned a significant interest, the benefits of deposits
are still small than other investment instruments assets. The profit you will get is not
proportional to the funds you give.
2. Depends on inflation: The value of the money you deposit is affected by inflation, which
will cause the currency to decrease in value. Inflation causes the value of money when you
will not be the same value when you withdraw.

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3. Tax costs: Deposits are included in income tax, which makes you obliged to pay tax every
year. The cost of this tax is relatively high, namely 20 percent, so it is enough to cut the
proceeds from deposits because the profits are small and the taxes are significant.

FEATURES AND BENEFITS OF LOANS:

1. Financial Flexibility: Loans allows you to meet a financial requirement or expenses you
incur in life. Taking a loan gives you a certain degree of financial freedom as it equips you
to make big payments or take care of onetime expenses without upsetting your planned
budget.
2. Easy Availability: All types of loans are approved as quickly as 48 hours based on details
of income financial history of the borrower and in some cases the collateral to be attached.
3. Get Required Amount: Based on your income and financial history, the amount you
require as loan can be disbursed to you.
4. Convenient Tenure: The tenure of a loan is sample depending on the bank and amount.
Loans are generally available for a tenure of 12 months to 60 months or even more.
5. Tax Benefits: According to the income tax Act of 1961 almost all types of loans offer tax
benefits which can avail.

DOCUMENTATION REQUIRED TO OPEN RECURRING DEPOSIT:

Identity proof:

 Passport
 PAN card
 Voter ID card
 Driving License
 Government ID card
 Photo ration card
 Senior citizen card

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Address Proof:
 Passport
 Telephone bill
 Electricity bill
 Bank statement with Cheque
 Certificate/ ID card issued by Post Office
Any other identity proof or Address Proof document can be submitted, subject to the
Bank’s satisfaction.

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CHAPTER: 4
DATA ANALYSIS AND INTERPRETATION

Table.1. Table showing Liabilities of A.P.Patil Sarvoday Gramin Sahkari Pat Sanstha
Maryadit in last three years.

BALANCE SHEET AS ON 31 MARCH 2021, 2022, 2023

LIABILITIES SIDE

LIABILITIES 2020-21 2021-22 2022-23

Authorized Capital 5,00,00,000.00 5,00,00,000.00 5,00,00,000.00

Issued Capital 3,82,32,105.00 4,19,08,075.00 4,86,17,565.00

Reserve Fund 7,6713,214.40 9,01,36,558.39 9,56,16,754.56

Deposits 74,26,62,007.63 77,0463,940.91 87,71,47,413.66

Provision for Liabilities 2,94,86,017.40 2,75,68,227.50 3,16,39,930.21

Bank Overdraft 5,25,551.72 45,81,805.10 4,93,05,325.56

Profit 1,04,77,123 68,81,205.17 1,08,83,764.62

TOTAL 94,80,96,019.14 99,15,39,813.07 1,16,32,10,753.61

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Table.2. Table showing Assets of A.P.Patil Sarvoday Gramin Sahkari Co-operative

Bank Maryadit in last three years.

ASSETS SIDE
ASSETS 2020-21 2021-22 2022-23
Cash Balance 3,18,874.34 1,03557.64 2,14,937.25

Bank Balance 91,83,544.65 78,46,746.56 81,67,750.19

Investment 37,41,53,192.00 40,37,25,849.00 51,17,31,973.00

Loan 48,94,37,194.05 50,52,13,635.47 56,29,68,980.85

Assets 1,87,45,212.90 1,75,16,737.80 1,94,27,302.00

Outstanding 53,39,294.00 69,25,665.00 37,07,944.00

TOTAL 89,71,77,311.94 94,13,32,191.47 1,10,62,18,887.29

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Table.3. A. P. Patil Sarvoday Gramin Sahakari Pat Sanstha Maryadit, Hasur.

PROFIT AND LOSS A/C FOR THE YEAR ENDED 31.3.2021 TO 31.3.2023

PARTICULARS 2020-21 2021-22 2022-23

Interest On Deposits 7,06,90,792.00 7,2227,875.00 7,29,65,157.00

Interest On Bank 22,18,460.00 16,21,185.95 62,10,906.95
Salary And
1,00,73,880.25 98,10,889.00 1,07,95,915.05
Allowance
Meeting Expenses 16,003.00 17,480.00 12,490.00
Meeting Allowance 61,200.00 77,100.00 81,600.00
Stationery 3,39,928.15 3,65,475.05 3,83,482.30
Annual Report Ex 42,960.00 83,515.00 85,500
Rent And Insurance 2,78,395.00 45,931.00 41,450.00
Depreciation 8,17,995.00 2,91,452.00 3,17,915.00
Office Repairs 94,183.00 7,41825.00 11,03,757.66
Electricity Repairs 14,809.00 20,528.00 73,383.00
Computer Repairs 22,480.00 26,968.00 38,553.00

General Meeting Ex 75,090.00 97,386.00 1,30,952.00

Function Expenses 54,204.00 24,741.00 1,57,865.00
Laxmi Pujan Ex 21,561.00 14,213.00 21,820.00
Electricity Bill 1,30328.00 1,37,139.50 1,48,650.00
Mobile Bill 53,504.00 52,506.12 38,944.29
Telephone Bill 88,362.00 80,258.00 81,246.00
Bank And Pigmy 15,50,520.82 16,83,661.78 19,37,594.00
Audit Fees 4,47,523.00 6,00,000.00 6,00,000.00
Bad Debts 5,00,000.00 25,00,000.00 13,24,000.00
Provisions 36,81,164.5 59,67,927.65 36,73,592.4

Profits 1,04,77,123.35 68,81,205.17 1,08,83,764.62

TOTAL 101808114.07 103425132.22 1140737.27

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A. P. Patil Sarvoday Gramin Sahakari Pat Sanstha Maryadit, Hasur.

PROFIT AND LOSS A/C FOR THE YEAR ENDED 31.3.2021 TO 31.3.2023

INCOME SIDE

2020-21 2021-22 2022-23

PARTICULARS

Interest On Loan 7,24,42,115.50 7,59,49,899.50 7,44,40,219.60

Interest On Bank 2,86,67,075.02 2,68,30,489.79 3,60,09,091.92
Pigimi Commission 1,22,541.00 1,08,163.00 1,35,138.00
Service Charges 36,806.55 31,712.93 -------------

Other Income 3,97,911.00 4,50,832.00 5,23,677.35

TOTAL 10,16,66,449.07 10,33,74,097.22 11,11,08,126.87

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Table.1 Table showing Total Deposits of A.P.Patil SGSPSM for three financial years.

YEAR TOTAL DEPOSIT INCREASES / PERCENTAGE

DECREASE INCREASE

2020-2021 74,26,64,007.63 ………. …………

2021-2022 77,04,63,940.91 2,77,99,333.27 3.74 %

2022-2023 87,71,47,413.66 10,66,84,072.75 13.84 %

GRAPHICAL REPRESENTATION:

YEAR WISE TOTAL DEPOSITS IN

90.0 CRORES
0

85.0
0

80.0
0

75.0
0

70.0
0

65.0
0 2020-21 2021-22 2022-23

INTERPRETATION:
From the above table it is seen that total deposits of A.P.Patil SGSPSM showing
increasing trend. The total deposits of pat sanstha were increased by 3.74 % in 2021-2022
compared to previous year deposits, whereas in 2022-22 it was increased by 13.84 %.

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Table.2 Table showing Fixed Deposit Ratio of A.P.Patil SGSPSM for three financial
years.

Fixed Deposits
Fixed Deposits Ratio = x 100
Total Deposits

YEAR TOTAL DEPOSIT FIXED DEPOSIT RATIO

2020-21 74,26,64,007.63 46,69,01,610.00 62.86 %

2020-21 77,04,63,940.91 48,27,29,079.00 62.65 %

2020-21 87,71,47,413.66 57,42,02,256.00 65.49%

GRAPHICAL REPRESENTATION:

YEAR WISE RATIO OF FIXED

66.00 DEPOSITS
%
65.50
%
65.00
%
64.50
%
64.00
%
63.50
%
63.00
%
2020-21 2021-22 2022-23

INTERPRETATION:
From the above table it is seen that ratio of fixed deposits of A.P.Patil SGSPSM
showing decreasing trend. The ratio of fixed deposits of pat sanstha was decreased by 0.21
% in 2021-2022 compared to previous year deposits, whereas in 2022-23 it was increased
by 2.81 %.

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Table.3 Table showing Saving Deposit Ratio of A.P.Patil SGSPSM for three financial
years.
Saving Deposits
Saving Deposits Ratio = x 100
Total Deposits

YEAR TOTAL DEPOSIT SAVING DEPOSIT RATIO

2020-21 74,26,64,007.63 5,08,06,593.19 6.84 %

2020-21 77,04,63,940.91 5,45,84,760.40 7.08 %

2020-21 87,71,47,413.66 6,06,01,432.95 6.90 %

GRAPHICAL REPRESENTATION:

YEAR WISE RATIO OF SAVING

7.10 DEPOSITS
%

7.05
%

7.00
%

6.95
%

6.90
%

6.85
%

6.80
%
2020-21 2021-22 2022-23

INTERPRETATION:
From the above table it is seen that ratio of Saving Deposit Ratio of A.P.Patil SGSPSM
showing Increasing trend. The Saving Deposit Ratio of pat sanstha was increased by 0.24 %
in 2021-2022 compared to previous year deposits, whereas in 2022-23 it was decreased by
0.18 %.

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Table.4 Table showing Dam Duppat Deposit Ratio of A.P.Patil SGSPSM for three
financial years.

Dam Duppat Deposits

Dam Duppat Deposits Ratio = x 100
Total Deposits

YEAR TOTAL DEPOSIT DUM DUPPAT RATIO

DEPOSIT
2020-21 74,26,64,007.63 17,50,05,003.00 23.56%

2020-21 77,04,63,940.91 18,41,98,779.00 23.90 %

2020-21 87,71,47,413.66 18,66,73,357.00 21.28 %

GRAPHICAL REPRESENTATION:

YEAR WISE RATIO OF DAM DUPPAT

24.50% DEPOSITS
24.00%
23.50%
23.00%
22.50%
22.00%
21.50%
21.00%
20.50%
20.00%
19.50%
2020-21 2021-22 2022-23

INTERPRETATION:
From the above table it is seen that ratio of Dam Duppat Deposit Ratio of A.P.Patil
SGSPSM showing Increasing trend. The ratio of Dam Duppat Deposit Ratio of pat sanstha
was increased by 0.34 % in 2021-2022 compared to previous year deposits, whereas in 2022-
23 it was decreased by 2.26 %.

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Table.5 Table showing Recurring Deposit Ratio of A.P.Patil SGSPSM for three
financial years.
Recurring Deposits
Recurring Deposits Ratio = x 100
Total Deposits

YEAR TOTAL DEPOSIT RECURRING RATIO

DEPOSIT
2020-21 74,26,64,007.63 35,03,673.00 0.47 %

2020-21 77,04,63,940.91 38,61,797.00 0.50 %

2020-21 87,71,47,413.66 46,78,128.00 0.53 %

GRAPHICAL REPRESENTATION:

YEAR WISE RATIO OF RECURRING

0.54
DEPOSITS
%

0.53
%

0.52
%

0.51
%

0.50
%

0.49
%

0.48
%

0.47
%
1 2 3

INTERPRETATION:
From the above table it is seen that ratio of Recurring Deposit Ratio of A/.P.Patil
SGSPSM showing Increasing trend. The ratio of Recurring Deposit Ratio of pat sanstha was
increased by 0.03 % in 2021-2022 compared to previous year deposits, whereas in 2022-23
it was increased by 0.03 %.

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Table.6 Table showing Pigmy Deposit Ratio of A.P.Patil SGSPSM for three financial
years.
Pigmy Deposits
Pigmy Deposits Ratio = x 100
Total Deposits

YEAR TOTAL DEPOSIT PIGMY DEPOSIT RATIO

2020-21 74,26,64,007.63 1,37,97,268.00 1.85 %

2020-21 77,04,63,940.91 1,55,13,972.00 2.01 %

2020-21 87,71,47,413.66 1,72,73,278.00 1.96 %

GRAPHICAL REPRESENTATION:

YEAR WISE RATIO OF PIGMY

2.05
%
DEPOSITS
2.00
%

1.95
%

1.90
%

1.85
%

1.80
%

1.75
% 2020-21 2021-22 2022-23

INTERPRETATION:
From the above table it is seen that ratio of Pigmy Deposit of A.P.Patil SGSPSM
showing Increasing trend. The ratio of Pigmy Deposit of pat sanstha was increased by 2.01%
in 2021-2022 compared to previous year deposits, whereas in 2022-23 it was decreased by
0.05 %.

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Table.7 Table showing Lakpati Deposit Ratio of A.P.Patil SGSPSM for three
financial years.
Lakpati Deposits
Lakpati Deposits Ratio = x 100
Total Deposits

YEAR TOTAL DEPOSIT LAKPATI DEPOSIT RATIO

2020-21 74,26,64,007.63 2,22,88,031.00 3.00 %

2020-21 77,04,63,940.91 1,85,62,411.00 2.40 %

2020-21 87,71,47,413.66 2,24,57,203.00 2.56 %

GRAPHICAL REPRESENTATION:

YEAR WISE RATIO OF LAKPATI

3.50
DEPOSITS
%

3.00
%

2.50
%

2.00
%

1.50
%

1.00
%
2020-21 2021-22 2022-23

INTERPRETATION:
From the above table it is seen that Lakpati Deposit Ratio of A.P.Patil SGSPSM
showing decreasing trend. The Lakpati Deposit Ratio of pat sanstha was decreased by 0.6%
in 2021-2022 compared to previous year deposits, whereas in 2022-23 it was increased by
0.16 %.

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Table.8 Table showing Total Loan of A.P.Patil SGSPSM for three financial years.

YEAR TOTAL INCREASES/DECREASES RATIO

LOANS
2020-21 48,94,37,194.05 ------- ------

2020-21 50,52,13,635.42 1,57,76,441.42 3.22 %

2020-21 56,29,68,980.85 5,77,55,345.38 11.43 %

GRAPHICAL REPRESENTATION:

YEAR WISE TOTAL LOANS IN CRORES

58

56

54

52

50

48

46

44

42

2020-21 2021-22 2022-23

INTERPRETATION:

From the above table it is seen that total loans of A.P.Patil SGSPSM showing
increasing trend. The total loans of pat sanstha were increased by 2.42 % in 2021-2022
compared to previous year loans, whereas in 2022-23 it was increased by 6.38 %.

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Table.9 Table showing Short-term loan of A.P.Patil SGSPSM for three financial
years.

Short-term loan
Short Term Loan ratio = x 100
Total loan

YEAR TOTAL LOANS SHORT-TERM LOAN RATIO

2020-21 48,94,37,194.05 59721902.40 12.20 %

2020-21 50,52,13,635.42 74113542.00 14.66 %

2020-21 56,29,68,980.85 90480362.00 16.07 %

GRAPHICAL REPRESENTATION:

YEAR WISE SHORT TERM LOAN RATIO

18
16
14
12
10
8
6
4
2
0
2020-21 2021-22 2022-23

INTERPRETATION:
From the above table it is seen that short-term loan of A.P.Patil SGSPSM showing
increasing trend. The short-term loan of pat sanstha were increased by 2.46 % in 2021- 2022
compared to previous year loans, whereas in 2022-23 it was increased by 1.41 %

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Table.10 Table showing Vehicle loan of A.P.Patil SGSPSM for three financial years.

Vehicle loan
Vehicle Loan = x 100
Total loan

YEAR TOTAL LOANS VEHICLE LOAN RATIO

2020-21 48,94,37,194.05 5,24,11,827.00 6.62 %

2020-21 50,52,13,635.42 5,30,17,464.00 5.90 %

2020-21
56,29,68,980.85 5,53,11,377.00 6.59 %

GRAPHICAL REPRESENTATION:

YEAR WISE RATIO OF VEHICLE

6.80% LOAN
6.60%

6.40%

6.20%

6.00%

5.80%

5.60%

5.40%

2020-21 2020-22- 2022-23

2021

INTERPRETATION:
From the above table it is seen that vehicle loan of A.P.Patil SGSPSM showing
decreasing trend. The vehicle loan of pat sanstha were decreased by 0.72 % in 2021-2022
compared to previous year loans, whereas in 2022-23 it was increased by 0.69 %.

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Table.11 Table showing Cash Credit loan of A.P.Patil SGSPSM for three financial
years.

Cash Credit Loan

Cash Credit Loan = x 100
Total loan

YEAR TOTAL LOANS CASH CREDIT LOAN RATIO

2020-21 48,94,37,194.05 5,24,11,827.00 3.16%

2020-21 50,52,13,635.42 5,30,17,465.00 1.77%

2020-21
56,29,68,980.85 5,53,11,377.00 1.28%

GRAPHICAL REPRESENTATION:

YEAR WISE RATIO OF CASH CREDIT

3.50% LOAN
3.00%

2.50%

2.00%

1.50%

1.00%

0.50%

0.00%

2020-21 2021-22 2022-23

INTERPRETATION:
From the above table it is seen that cash credit loan of A.P.Patil SGSPSM showing
decreasing trend. The cash credit loan of pat sanstha were decreased by 1.39 % in 2021-
2022 compared to previous year loans, whereas in 2022-23 it was decreased by 0.49 %.

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Table.12 Table showing Gold loan of A.P.Patil SGSPSM for three financial years.

Gold Loan
Gold Loan = x 100
Total loan

YEAR TOTAL LOANS GOLD LOAN RATIO

2020-21 48,94,37,194.05 5,24,11,827.00 10.70%

2020-21 50,52,13,635.42 5,30,17,465.00 10.49%

2020-21 56,29,68,980.85 5,53,11,377.00 9.82%

GRAPHICAL REPRESENTATION:

YEAR WISE RATIO OF

10.80
%
GOLD LOAN
10.60
%

10.40
%

10.20
%

10.00
%

9.80
%

9.60 2020-21 2021-22 2022-23

INTERPRETATION:
From the above table it is seen that Gold loan of A.P.Patil SGSPSM showing
decreasing trend. The Gold loan of pat sanstha were decreased by 0.21 % in 2021-2022
compared to previous year loans, whereas in 2022-23 it was decreased by 0.67 %.

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Table.13 Table showing Fixed Deposits loan of A.P.Patil SGSPSM for three financial
years.

Fixed Deposits Loan

Fixed Deposits Loan = x 100
Total loan

YEAR TOTAL LOANS FIXED DEPOSITS RATIO

LOAN
2020-21 48,94,37,194.05 5,68,52,322.00 11.61%

2020-21 50,52,13,635.42 5,92,21524.00 11.72%

2020-21
56,29,68,980.85 6,06,82,388.00 10.77%

GRAPHICAL REPRESENTATION:

YEAR WISE RATIO OF FIXED DEPOSITS

11.80% LOAN
11.60%

11.40%

11.20%

11.00%

10.80%

10.60%

10.40%

10.20%

2020-21 2021-22 2022-23

INTERPRETATION:
From the above table it is seen that fixed deposit loan of A.P.Patil SGSPSM showing
increasing trend. The fixed deposit loan of patsanstha were Increased by 0.11 % in 2021-
2022 compared to previous year loans, whereas in 2022-23 it was decreased by 0.95 %.

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Table.14 Table showing Profit of A.P.Patil SGSPSM for three financial years.

YEAR PROFIT (Rs.)

2020-21 10477123.35

2020-21 6881205.17

2020-21 10883764.62

GRAPHICAL REPRESENTATION:

PROF
1.200 IT
0

1.000
0

0.800
0

0.600
0

0.400
0

0.200
0

0.000
0 2020-21 2021-22 2022-23

INTERPRETATION:
From the above table it is seen that Profit of A.P.Patil SGSPSM showing Decreasing
trend. The Profit of patsanstha were decreased by 0.65 % in 2021-2022 compared to previous
year profit, whereas in 2022-23 it was increased by 0.63%.

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CASE ANALYSIS FOR SANCTIONING OF CASH CREDIT LOAN IN A.P.PATIL

SGSPMH.

CASE NO.1

Applicant Name - Avinash Suresh Gorwade

Age 30yrs
Occupation Worker (On Looms)
Job Stability Last 4yrs
Salary 15000 Per Month
Purpose of Loan Vehicle
Loan Required 150000
Rate of Interest 12%
Loan Tenure 5 yrs

SOLUTION:
Applicant has given documents like; Driving License for identity proof, Ration Card
for Address Proof, Salary pay slip, form 16, last 6 months salary account bank statement,
last 3yrs work experience certificate.

PAPERS REQUIRED FOR ASSESSMENT BY PAT SANSTHA:

 Loan application mentioning purpose and name of company debtor, name of
guarantor officer along with worth papers.
 Financial and other supporting documents.
 For businessman – last 4years P&L ,B/S and Income Tax Return.
 For employee – Salary slip.
 Repayment plan of instalment and interest by the applicant along with cash flow
statement.

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DOCUMENT TO BE TAKEN:
 Agreement of authority for deduction from salary.
 Application and grant of no objection certificate.
 Transferee from.
 Registration.
 Loan Agreement.
 Demand promissory note.
 Declaration of non-borrowing.
 Declaration of branch manager / authorized person.

Mr. Avinash Gorwade application for a vehicle loan of RS. 1.5Lakh for the purchasing
a bike.
Interest rate of two wheeler loan is 12%
Tenure period is 5 years.

Loan Amount 1,50,000

Interest 12%

Tenure 5yrs

Monthly EMI 3,336.67

Total Interest 50,200.03

Total Payment 200,200.03

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USING EMI CALCULATOR:

YEAR TOTAL EMI PRINCIPAL INTEREST BALANCE

2022 13,346.67 7,457.61 5,889.06 142,542.39
2023 40,040.01 24,239.35 15,800.66 118,303.05
2024 40,040.01 27,313.50 12,726.50 90,989.54
2025 40,040.01 30,777.54 9,262.47 60,212.00
2026 40.040.01 34,680.90 5,359.10 25,531.10
2027 26,693.34 25,531.10 1,162.24 0.00

GRAPHICAL REPRESENTATION:

Chart Title
1,60,000.00
1,40,000.00
1,20,000.00
1,00,000.00
80,000.00
60,000.00
40,000.00
20,000.00
0.00
2022 2023 2024 2025 2026 2027

TOTAL EMI PRINCIPAL INTEREST BALANCE

INTREPRETATION:
In the above case, the loan applicants annual income is Rs.1,80,000(15,000*12). From
the above chart pertaining repayment of loan, it is clear that in the 1st year, applicant has to
pay Rs.13346.67 as loan instalment amount which is less than applicant’s annual income.
The next 4 years loan repayment instalments are much lesser than applicant’s annual income.
Hence the loan application is sanctioned by Pat Sanstha.

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CASE NO.2

Applicant Name – Bharat Subhash Kognole.

Age 36yrs
Occupation Sales executive
Job Stability Last 7yrs
Salary 20,000 Per Month
Purpose Of Loan Gold Loan
Loan Required 4,00,000
Rate Of Interest 10%
Loan Tenure 6yrs

SOLUTION:
Applicant has given document like driving like- identity proof, Address Proof is
enough to avail for such loan. One of the main advantage of gold loan is its low interest rates.

DOCUMENT TO BE TAKEN:
 Identity proof
 Address Proof
Mr. Bharat Kognole application for a Gold loan of RS. 4Lakh for any personal Exp.
or use.
Interest rate of Gold loan is 10%
Tenure period is 6 years.
Loan Amount 4,00,000
Interest 10%
Tenure 6yrs
Monthly EMI 7,410.34
Total Interest 133,544.13
Total Payment 533,544.13

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USING EMI CALCULATOR:

YEAR TOTAL EMI PRINCIPAL INTEREST BALANCE
2022 59,282.68 33,583.34 25,699.34 366,416.66
2023 88,924.02 54,746.46 34,177.56 311,670.21
2024 88,924.02 60,479.13 28,444.89 251,191.08
2025 88,924.02 66,812.08 22,111.94 184,379.00
2026 88,924.02 73,808.18 15,115.84 110,570.82
2027 88,924.02 81,536.86 7,387.16 29,033.96
2028 29,641.34 29,033.96 607.38 0.00

GRAPHICAL REPRESENTATION:

Chart Title
4,00,000.00
3,50,000.00
3,00,000.00
2,50,000.00
2,00,000.00
1,50,000.00
1,00,000.00
50,000.00
0.00
2022 2023 2024 2025 2026 2027 2028

TOTAL EMI PRINCIPAL INTEREST BALANCE

INTREPRETATION:
In the above case, the loan applicants annual income is Rs.2,40,000(20,000*12). In the
above repayment of loan clearly shows that in the 1st year of applicant has to pay
Rs.59,282.68 as loan instalment amount which is less than applicant’s annual income. The
next 5years loan repayment instalment are much lesser than applicant’s annual income.
Hence the loan applicant can be sanctioned with the loan amount.

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Various Deposit Schemes of A.P.Patil SGSPMH.

DEPOSITS RATE OF INTEREST

Saving Deposit 5%
Fixed Deposit 8.25%
Dam Duppat Deposit 12%
Recurring Deposit 8.25%
Pigmy Deposit 4%
Lakhpati Deposit 8.25%

Following table lists the total receivable amount after the due period over assumed
amount under various depository schemes of SGSPMH.

DEPOSTS ASSUMED RECEIVABLE PERIOD

AMOUNT AMOUNT
Lakhpati Deposit 1,300 p.m. 1,00,000 5 years

Dam Duppat Deposit 10,000 20,000 8 years 7 months

Pigmy Deposit 1000 daily 1,90,320 6 months

Fixed Deposit 1000 12,121 1 year

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CHAPTER: 5
FINDINGS, SUGGESTIONS AND CONCLUSION

FINDINGS:
On the basis of data analysis and interpretations the major findings of the study are as
follows.
1. It is found from the analysis that, fixed deposit ratio of A.P.Patil SGSPMH increased in
year 2020-21 and got decreased in immediate next year, however huge increase in the
ratio is observed in the year 2022-23 of 2.81%.
2. It is observed that, that saving deposits of pat sanstha got increased by 0.24 % in 2021-
2022 which is more than the previous year’s growth.
3. It is found that Dam Duppat Deposits were increased by 0.34 % in 2021-2022 which is
less than the previous years growth which was 2.26%
4. It is observed that Pigmy Deposits of pat sanstha got increased by 2.01% in 2021-2022
which is more than the previous year’s growth and it shows positive trend.
5. It is found that total loan distribution of Pat Sanstha got increased by 2.42 % in 2021-
2022 which is less than previous year’s growth.
6. It is found that in the distribution of vehicle loans, the pat sanstha has shown steady
growth from last 3 years.
7. Gold loan distribution from pat sanstha have been observed to be decreased in 2021-
2022 compared to previous years.
8. It is observed that, total profit of pat sanstha were decreased by 0.65 % in 2021-2022
compared to previous year’s profit, whereas in 2022-23 it was increased by 0.63%.
9. From the analysis of case of a vehicle loan, it is observed that, that loan repayment
installments are much lesser than applicant’s annual income.

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SUGGESTIONS:
1. Deposits are very important from the pat sansthas point of view. Therefore, it is
suggested that. Pat sanstha should start new deposit schemes such as marriage deposit
scheme and focus more on dam tippat deposit and lakhpati schemes.
2. Saving deposit and pigmy deposit have declined during the study period. Hence, it is
recommended that the pat sanstha should popularize these deposit schemes among
the customers.
3. In order to utilize the funds more efficiently, the pat sanstha should also think of
giving education loan.
4. Lakhpati deposits were decreased in one of the financial years of study period. So
Pat sanstha needs to perform better and promote the lakhpati deposits scheme.
5. The pat sanstha should even think of opening new branches in urban areas.
6. Organization should use advertising media like hoardings, digital banners and local
radio stations etc. to let the people know about its schemes related to loans and
deposits.
7. Pat Sanstha should try to promote ‘Dam Duppat; scheme more among the new
potential depositors as this scheme is observed to be showing good trend in
investments.

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CONCLUSION:
From the current study it is concluded that A.P.Patil Sarvoday Gramin Sahakari Pat
Sanstha Maryadit, Hasur has developed manifold in short period of time due to facilities and
services provided to their customers and this growth can be increased if they concentrate
more on urban areas. In last couple of years, they have opened 16 branches to reach their
customers in lending banking services. The Pat Sanstha provides loans and deposits facility
whose interest and other charges are less when compared to other Pat santshas. The bond
between customers and A.P.Patil SGSPMH is very strong and because of that pat Sanstha
has managed well in managing loans and deposits.

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BIBLOGRAPHY:

References:

1. Kothari. C.R. 2010 “Research Methodology” New Age, international (I) Ltd. Delhi
2. Annual Reports of A.P.Patil Sarvoday Gramin Sahakari Pat Sanstha Maryadit,
Hasur, for year, 2020-2023
3. P. K.Shrinivas - “Banking Theory and Practice”
4. M.C.Shukla - “Business Organization and Management”
5. Annual Reports of Pat Sanstha

Websites:
1. https://www.investopedia.com
2. https://www.Indiafillings.com
3. https://www.rbi.org.in
4. https://www.indiabank.in
5. https://www.samatpat.com

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