Vtu Darshan 12

INTERNSHIP AT JANA SMALL FINANCE BANK LTD .
CHAPTER -1
INTRODUCTION ABOUT THE ORGANISATION & INDUSTRY
INTRODUCTION TO FINANCE
The study of money and assets is known as finance. It is related to economics, which is the study
of the production, distribution, and consumption of money, goods, and services, but it is not the
same. Financial systems support a variety of financial activities, so the field of finance can be
roughly divided into personal, corporate, and public finance. Assets can also be banked, invested,
and insured in a financial instrument, such as money, loans, bonds, shares, stocks, options, etc., to
maximize value and minimize loss. In reality, risks are a constant part of all financial transactions
and entitlements.
Due to its broad range, finance has developed into many subfields. The objectives of asset, cash,
risk, and investment management are to increase value and decrease volatility. An activity or
entity's viability, stability, and profitability are evaluated through financial analysis. The
application of the scientific method to the testing of financial hypotheses is known as
experimental finance. Transdisciplinary areas include financial engineering, financial economics,
financial law, and financial technology, to name a few. These subjects provide the foundation of
business and accounting.
MEANING OF FINANCE
Finance may be considered the art and science that involves handling funds. Financial services and
financial instruments are included. The provision of money at the appropriate time is referred to as
finance. The finance department is responsible for acquiring money and efficiently applying them
to company challenges. Finance is a notion that encompasses capital, finances, money, and
amount. However, each term has a distinct meaning. Finance for business now includes studying
and understanding the concept of finance
DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 1

Jana Small Finance Bank Limited (Jana Small Finance Bank) is one of the leading Small Finance
Banks of India in terms of assets under management and deposit size as at March 31, 2020. Jana
Small Finance Bank has the second most geographically diversified portfolio with a pan-India
presence among all Small Finance Banks in India as at March 31, 2020 (Source: IRR Report).
TYPE OF BUSINESS
PRIVATE BANK
As at February 28, 2021, Jana Small Finance Bank had 611 Branches, including 166 Branches in
Unbanked Rural Centres, and 134 ATMs located in 229 districts in 19 states and three union
territories. Jana Small Finance Bank has served over 8.00 million customers since 2008, including
approximately 3.05 million active customers.
Jana Small Finance Bank is a small finance bank that commenced operations on March 28, 2018,
headquartered in Bangalore, India. The Reserve Bank of India issued a licence to the bank under
Section 22 (1) of the Banking Regulation Act, 1949. Prior to becoming a bank, the company was
India's largest microfinance institution, Jana Lakshmi Financial Services, founded July 24,
2006.
As a microfinance lender, the company survived large losses following the 2016 Indian banknote
demonetization, reporting total losses of ₹2,504 crore (US$338 million) at the time of its
conversion to a small finance bank. Jana reported in November 2019 that the September 2019
quarter was its first profitable quarter since demonetization.
Branches in Unbanked Rural Centers and 134 ATMs located in 229 districts in 19 states and three
union territories. Jana Small Finance Bank has served over 8.00 million customers since 2008,
including approximately 3.05 million active customers.

The core elements of the logo of Jana Small Finance Bank are an adaptation of the Jana Group
logo, and reflect what we stand for: Connecting People and Place, all 3 words being equally
important.
DESIGN:
The lines are an expression of each individual’s journey to find meaning and relevance in his or
her life. The connections recognize the labyrinth of associations in our life and relate to place. The
lower arm of the ‘J’ in the logo represents people, the upper arm of the ‘J’ represents place, and
the lines of the ‘J’ represent both journeys as well as connections.
‘Fuchsia’ is the colour of prosperity, abundance and empowerment. It is also a non-conformist

colour representing the innovative nature of the bank as well as the group at large. ‘Turmeric’, is
the colour of knowledge, sanctity and auspiciousness. It stands for a continuous quest for solving
new problems and learning new ways of serving customers.
Together, these colours represent a sacred bond between the organisation and its stakeholders.
The logo also amplifies the Brand Promise of Jana Small Finance Bank, captured in the statement
‘Likho Apni Kahani’ or ‘Write Your Destiny’.
The logo is relevant to all the customer segments that the bank targets: the underserved, as well as
those who are financially healthier. The lines also reflect the spirit of the company in another
manner: no line can ever be drawn without effort and initiative by individuals, to walk their
individual journeys or make the connections between people.
The lines are, therefore, visual extensions of the handwritten stories of real people impacted by the
work of Jana Small Finance Bank, and of the networks of connections being enabled by Jana
Small Finance Bank. Derived from stories and connections, they form the graphic element for all
communication Banks are financial institutions that perform deposit and lending functions. There
are various types of banks in India and each is responsible to perform different functions.
The banking industry in the pillar of India's financial services industry. The country has numerous
public s
ector (27) private sector (21), foreign (49), regional rural (56) and urban/rural cooperative

(95,000+) banks.
Banks can be classified into various types. Given below are the bank types in India: -
 Central Bank
 Cooperative Banks
a) State Co-operative Banks
b) Urban Co-operative Banks
 Commercial Banks
a) Private Sector Banks
b) Public Sector Banks
c) Regional Rural Banks (RRB)
d) Foreign Banks
 Local Area Banks (LAB)
 Specialized Banks
 Small Finance Banks
 Payments Banks

Central Bank
The central bank of India is known as the Reserve Bank of India. The R.B.I. is a financial
institution that is mandated to regulate and oversee all of the other banks in the country.
Co-operative Banks
A Co-operative Bank is one that is registered under the Co-operative Societies Act of 1912 and is
run by an elected managing committee. It works on a non-profit no-loss basis, and it will mainly
serve entrepreneurs, small businesses, self-employment, and more in urban areas.
In the rural areas, they will mainly function to finance agriculture-based activities like farming,
livestock, and hatcheries. There are mainly these types of Co-operative Banks:
a) State Co-operative Banks

A State Co-operative Bank is a federation of the central Co-operative banks that will act as a
custodian of the Co-operative banking structure in the State.
b) Urban Co-operative Banks

The Urban Co-operative Bank is the primary Co-operative bank located in urban and semi- urban
areas. The banks essentially lent to smaller borrowers and businesses centred around a community,
locality, and more.

Commercial Banks
Commercial banks are regulated under - the Banking Regulation Act of 1949, and their business
model has been constructed to make profits.
The primary function of the commercial bank is to accept deposits and offer loans to the public,
businesses, and the government. A commercial bank is further divided into the following.
a) Private Sector Banks
b) Publi
c) c Sector Banks
d) Regional Rural Banks
e) Foreign Banks
 Private Sector Banks

Private sector banks are the ones with a major stake or equity being held by private
shareholders. All of the banking rules and regulations laid down by the Reserve Bank of India
(central bank) are applicable to private sector banks.
 Public Sector Banks

A public sector bank is a nationalized bank, and it accounts for more than 75% of the total
banking sector in the country. They are banks with a majority of the stakes held by the
government.
 Regional Rural Banks (RRB)

A regional bank is a scheduled commercial bank, but it is established to provide credit to the
weaker section of the society, such as marginal farmers, small businesses, and agricultural
labourers. They would typically operate at a regional level in different states of the country
and have branches in selected urban areas.
 Foreign Banks
A foreign bank is a bank with its headquarters in a foreign country but also operates in other
parts of the country as a private entity. These banks need to follow the regulations of the
home country as well as the country where they operate.

The bank also offers services such as ATM cards, net banking and more.
Local Area Banks (LAB)
Local area banks are referred to as small private banks with low-cost structures that provide
financial services limited by the area of operation. These banks usually function in rural and semi-
urban areas and three main contiguous districts
Small Finance Banks

It Is a niche small finance bank in India with the objective of providing financial inclusion to
sections of society that have not been served by other banks. The core customers of this bank are
inclusive micro industries, unorganized sector entities, marginal farmers, and more.
This type of bank is licensed under Section 22 of the Banking Regulation Act 1949 and it is
governed by the Provisions Act of 1934.
Payments Banks
The payments banks are a relatively new banking model in the country that has been
conceptualized by the RBI. This bank is allowed to accept a restricted deposit. This amount is
limited to Rs. 1 lakh for a customer.

CHAPTER-2
ORGANISATION PROFILE
BACKGROUND
As at February 28, 2021, Jana Small Finance Bank had 611 Branches, including 166 Branches in
Unbanked Rural Centres, and 134 ATMs located in 229 districts in 19 states and three union
territories. Jana Small Finance Bank has served over 8.00 million customers since 2008, including
approximately 3.05 million active customers.
headquartered in Bangalore, India. The Reserve Bank of India issued a licence to the bank under
Section 22 (1) of the Banking Regulation Act, 1949. Prior to becoming a bank, the company was
India's largest microfinance institution, Jana Lakshmi Financial Services, founded July 24,
2006.
As a microfinance lender, the company survived large losses following the 2016 Indian banknote
demonetisation, reporting total losses of ₹2,504 crore (US$338 million) at the time of its
conversion to a small finance bank. Jana reported in November 2019 that the September 2019
quarter was its first profitable quarter since demonetisation.
Branches in Unbanked Rural Centres and 134 ATMs located in 229 districts in 19 states and three
union territories. Jana Small Finance Bank has served over 8.00 million customers since 2008,

including approximately 3.05 million active customers.
NATURE OF BUSINESS
Jana banking activities are considered to be the life blood of the national economy. Without
banking services, trading and business activities cannot be carried on smoothly. Banks are the
distributors and protectors of liquid capital which is of vital significance to a developing country.
Efficient administration of the banking system helps in the economic growth of the nation.
Banking is useful to trade and commerce.
activities are useful to trade and industry in the following ways.
a) Money deposited in a bank remains safe. Precious articles too can be kept in the safe custody
of banks in lockers.
b) Banks provide credit facilities to their customers. Customers with bank accounts also
enjoy better credit in the business world.
c) Banks encourage the habit of saving and thrift among people. They mobilise savings and
invest them in productive activities. Thus, they help in increasing the rate of savings and
investment in the country.
d) Banks provide a convenient and safe means of transferring money from one place to another
and facilitate business dealings/ transactions.
e) Banks collect and realise bills, cheques, interest and dividend warrants etc. on behalf of their
customers.
f) Farmers and artisans in rural areas can also avail of bank credit for financing their activities.
g) Commercial banks provide many other services to the general public which include locker
facility, issue of traveller’s cheques and gift cheques, payment of insurance premium, etc.
Awards & Recognition
At Jana Small Finance Bank, they strive to ensure the integration of their principles, values and
vision, and to enrich the lives of their customers. The awards and recognition are as follows
 Jan 2021: Gold award at ‘RMAI Flame awards Asia 2020’ for ‘Campaign Decade Plus

 Jan 2021: Campaign of the Decade Award for Jana Diwas conferred by the Rural
Marketing Association of India
 Dec 2020: CSR award for excellence in BFSI sector by Golden Globe Tigers 2020 in
December 2020
 Dec 2020: Winner at the cfi.co Inclusive Finance Awards for ‘Best Inclusive Financial
Service India 2020’ by Capital Finance International, London
 2020: Featured in ‘Fortune – The top 500’ list of largest corporations in India for the year
2020
 Dec 2019: Received the Global Leadership Award 2019 by Dale Carnegie
 July 2018: Conferred with the 2018 Best Inclusive Finance Services India Award
 July 2017: Awarded India's Distinctive Goodwill Brands May 2017: Awarded for Best
Financial Sector Transaction ADB Private Sector- CNBC Awards
 January 2017: Inducted in Fortune India 500 (Ranked at 488, currently 360)
 September 2016: Received CSR Impact Award in the Women Empowerment Category at
the India CSR Summit, Mumbai
 March 2016: Awarded the "Financial Services Company of the Year" at VC Circle Awards
 November 2015: Inducted into Palladium’s Balanced Scorecard Hall of Fame for
Executing Strategy
 May 2015: Received Smart Campaign Client Protection and got officially recognized for
customer-centricity
 Certification from Micro-Credit Ratings International Limited (M-CRIL)

Research design is a statement or specification of procedures for collecting and analyzing the
information required for the solution of specific problems. It provides a specific framework for
conducting some research investigation.
“A research design is the arrangement of condition for collection and analysis of data in a manner
that aims to combine relevance to the research purpose with economy in the procedure.”

TITLE OF THE STUDY:
“A STUDY ON INTERNSHIP PERFORMANCE &ANALYSIS OF JANA SMALL

FINANCE BANK LTD”
Company product and services
They bring to you an assortment of products catering to every financial need of yours. They strive
to provide innovative, result-driven, and compliant solutions, and while doing so, they uphold
their commitment towards financial inclusion for all.
Savings Account
They offer you a wide range of savings accounts to meet your banking needs. They value your
hard-earned money and offer 6% interest rate on your savings bank account. Select the one that
suits you the most and experience the best-in-class banking services.
Fixed Deposit
They ensure your earnings grow effortlessly with their variety of fixed and recurring deposits.
Multiple interest pay-out options and no penalty for premature closure with attractive interest rates
make their deposits the best investment for your hard-earned money. They also offer higher

interest rates for senior citizens. Invest now and give a boost to your income.
Current Account
They bring you an array of current accounts to meet your business needs. Thoughtful features such
as Cash Management Service helps you to manage your working capital efficiently and Doorstep
Banking lets you bank from your workplace.
Salary Account
Gift your employees the convenience of salary account. Let them enjoy the benefits of anytime
banking, zero balance account, and high interest rates on savings and fixed deposits.
Group Loan
Their group loan products are designed to offer financial access to those sections of the society
that are traditionally unserved by other organised financial institutions. Apart from competitive

interest rates, the loan customers enjoy facilities that help uplift their economic status and achieve
their dreams.
Agriculture Loan
Their agriculture loans are designed for farmers seeking financial support for their business needs.
It offers a host of facilities like credit life, cattle & crop insurance, free debit card, and more.
Gold Loan
Fulfil your emergency or immediate financial needs with their gold loan. Pledge your gold
ornaments and get a loan of up to Rs. 3 lakhs. Avail the loan with minimal documentation.
Locker
They offer bank lockers to ensure the safety of your valuables. Choose your locker and be
worry-free about your important documents, ornaments, and other valuables.

Jana Pay Point
They offer the convenience of banking in your neighborhood with Jana Pay, which is an
initiative to make banking and payment services available through a network of agents.
VISION & MISSION
A small finance bank, such as Jana Small Finance Bank, typically aims to provide financial
services and support to underserved and unbanked segments of the population. Their vision and
mission statements may focus on addressing financial inclusion and empowering individuals,

especially in rural and semi-urban areas. While I can't provide the specific vision and mission of
Jana Small Finance Bank, here is a generic example:
Vision Statement:
Vision:
 “To be the leading digitized bank of an aspirational India serving all customers and
communities”.
 To be a leading financial institution committed to creating a financially inclusive society by

offering accessible and innovative banking solutions to the unbanked and underserved
populations.
 The main vision of Jana small finance bank of India is to become the bank of first choice in
its chosen areas by building beneficial and lasting relationships with customers through a
process of continuous improvement
Mission Statement:
Mission:
“To be the trusted and inclusive bank with consistently high standards of performance,
compliance and work culture”
 To provide convenient and affordable banking services to individuals and micro, small, and
medium enterprises (MSMEs) in underserved areas.
 To promote financial literacy and education among the unbanked population, empowering
them to make informed financial decisions.
 To leverage technology and digital solutions to enhance accessibility and efficiency in banking
operations.
 To build strong relationships with customers based on trust, transparency, and personalized
service.
 To contribute to the socio-economic development of communities by supporting
entrepreneurship, livelihood initiatives, and social welfare programs
Objectives and goal of Jana small finance bank

Jana small finance bank was primarily focused on improving the lives of the urban poor. Over
time, Jana small finance gained a global recognition as one of the world's most trusted and
innovative financial institutions, working on the problem of financial inclusion.
The aim of the small finance bank is financial inclusion by providing basic banking services to the
unorganized sector, micro small and medium enterprises, small and marginal farmers, and small
business units.
Number of employees and location
Jana Small Finance Bank had 611 Branches, including 166 Branches in Unbanked Rural Centres,
and 134 ATMs located in 229 districts in 20 states and three union territories. Jana Small Finance
Bank has served over 8.00 million customers since 2008, including approximately 3.05 million
active customers.
Its current employee strength is of 15,000. By end of 2019, Jana Small Finance Bank's 500
branches will be operational in 19 states, post conversion of majority of its micro finance
storefronts into bank branches. Bengaluru-headquartered Jana Small Finance Bank is regulated by
the Reserve Bank of India (RBI).
COMPETITOR

Jana Small Finance Bank's competitors include AU Small Finance Bank, Fin care Small Finance
Bank, Ujjivan Small Finance Bank, Sarvodaya.
AU Small Finance Bank
AU Bank (formerly AU Financiers) is a provider of loans to entrepreneurs for the acquisition of

commercial vehicles. It offers collateralized loans for commercial vehicles to clients who are
typically first-time entrepreneurs, located in under-banked rural and semi-urban areas. It provides
loans for new vehicles and second-hand vehicles including refinancing. It offers loans for heavy
and light commercial vehicles, multi-utility vehicles, tractors and three wheelers. Also provides
SME loans and affordable housing loans. From 1 Nov'17, the erstwhile NBFC converted to a
small finance bank, and started offering
Fin care Small Finance Bank
The Bank commenced banking operations on 21st July 2017, with a vision to enable the financial
inclusion of the unbanked and underbanked customer segments, including micro entrepreneurs
and microenterprises and mass with the active participation of the affluent. Fincare Small
Finance Bank Limited is a 28years 1 month old Public Limited Indian Non-Government
Company incorporated on 05 Apr 1995.

Ujjivan Small Finance Bank
Ujjivan Small Finance Bank Limited is an RBI licensed small finance bank. It is a wholly owned
subsidiary of Ujjivan Financial Services Ltd., which is a leading microfinance organization and
was one of the ten recipients of first set of small finance bank licenses. Has a network of 160+
branches across 24 states, and provides the full range of banking services with a focus on the
underserved market.
Suryoday
Suryoday Small Finance Bank Limited was originally incorporated as Suryoday Micro Finance
Private Limited at Chennai, Tamil Nadu on November 10, 2008. Within one year, it received a
license from the Reserve Bank of India (RBI) to establish a non-banking finance company
(NBFC) and start microfinance operations. Mr. Baskar Babu Ramachandran is the Managing
Director and Chief Executive Officer of the Bank
 PRODUCT OR SERVICE PROFILE

headquartered in Bangalore, India .The Bank offers various types of banking and financial
services to its customers such as deposits as savings account, credit cards, fixed deposits, home

loan, personal loan, debit card, car loan, gold loan and more.
Products and Services
Jana small finance Bank of India offers its customers various types of products and services so
that they can make the most of their banking experiences. The wide range of the services and
products consist of:
1. Deposit Account
 Savings Account
Offers 10 types of savings account to its customers with zero minimum balance requirements.
Customers can link their accounts to fixed deposit schemes to earn high interest.
 Current Account
Jana Small finance Bank of India offers 6 types of the current account to its customers with low
minimum balance requirements, and facilities like internet banking, nomination, etc.
2. Loan
 Home Loan
Jana Small finance Bank of India offers 6 types of home loans to its customers with flexible
methods of repayment, low-interest rates, low processing charges, and simple documentation.
 Personal Loan
Jana small finance Bank of India offers 4 types of personal loans to its customers for salaried,
non-salaried individuals, government employees and many more at flexible tenures and attractive
interest rates.
1) Banking
 Balance Enquiry
Jana Small finance Bank of India accounts holders can use its net banking, toll-free number,
mobile banking, passbook, missed call service, SMS banking, ATM to check their balance
instantly
 Mobile Banking
Jana Small finance Bank of India offers mobile banking facility to its users through ‘U Mobie ’

Banking App. Customers can check their account balance, transfer funds, pay bills and much
more.
Is there a possibility of divergence in the future?

All these accounts have been audited by the RBI and there is no major fresh slippage where there
would be a relook. This year, our corporate slippage could be about Rs 6,000 crore, and many of
them are small accounts, while the big accounts could be only two or three.
This year we don’t expect big slippages, so the divergence also will not be that much. We expect
the delinquency from slippages to be 3-3.5% in the worst case. Credit costs will be at 2.15% this
year, down from 3.5% last year.
Small Finance Banks

It Is a niche small finance bank in India with the objective of providing financial inclusion to
sections of society that have not been served by other banks. The core customers of this bank are
inclusive micro industries, unorganized sector entities, marginal farmers, and more.
This type of bank is licensed under Section 22 of the Banking Regulation Act 1949 and it is
governed by the Provisions Act of 1934.
Payments Banks
The payments banks are a relatively new banking model in the country that has been
conceptualized by the RBI. This bank is allowed to accept a restricted deposit. This amount is
limited to Rs. 1 lakh for a customer.
CHAPTER-3
Mckensy’s 7S framework Porter’s 5 forces analysis
INTRODUCTION
There are numerous management strategies that discuss controlling the resources and business
processes within an organization. Vacancy seven framework is a well-known model to assess
management pattern.
The 7-S model is also known as Mc Kinsey's 7-S since its creators, Robert Waterman and
Tompetus, were consultants for Mc Kinsey and Company at the time it was created. They state

that an organization consists of seven aspects that can be divided into "hard S" and "soft S," rather
than just being simply structured. The model is highly useful for understanding how different
strategies interact with one another. Manager attention is directed toward an activity verification
through formation and interpretation. This could have an impact on how any approach is
implemented because the model was created as a method to think more broadly about the issues
with effective organizing. It serves as a tool for strategy implementation judgement.
McKinsey 7s model is a tool that analyzes firm’s organizational design by looking at 7 key
internal elements: strategy, structure, systems, shared values, style, staff and skills, in order to
identify if they are effectively aligned and allow organization to achieve its objectives.
This paper discusses McKinsey's 7S Model that was created by the consulting company McKinsey
and Company in the early 1980s. Since then it has been widely used by
The McKinsey 7S model was named after a consulting company, McKinsey and Company, which
has conducted applied research in business and industry (Pascale & Athos, 1981; Peters &
Waterman, 1982).
These seven variables include structure, strategy, systems, skills, style, staff and shared values.
Structure is defined as the skeleton of the organization or the organizational chart.

This paper discusses McKinsey's 7S Model that was created by the consulting company McKinsey
and Company in the early 1980s. Since then it has been widely used by
ractitioners and academics alike in analyzing hundreds of organizations The McKinsey 7S model
was named after a consulting company, McKinsey and Company, which has conducted applied
research in business and industry (Pascale & Athos, 1981; Peters & Waterman, 1982). All of the
authors worked as consultants at McKinsey and Company; in the 1980s, they used the model to
analyze over 70 large organizations. The McKinsey 7S Framework was created as a recognizable
and easily remembered model in business. The seven variables, which the authors term "levers",
all begin with the letter "S":These seven variables include structure, strategy, systems, skills, style,
staff and shared values. Structure is defined as the skeleton of the organization or the
organizational chart.
The authors describe strategy as the plan or course of action in allocating resources to achieve
identified goals over time. The systems are the routine processes and procedures followed within
the organization. Staff are described in terms of personnel categories within the organization (e.g.
engineers), whereas the skills variable refers to the capabilities of the staff within the organization
as a whole. The way in which key managers behave in achieving organizational goals is
considered to be the style variable; this variable is thought to encompass the cultural style of the
organization. The shared values variable, originally termed super ordinate goals, refers to the
significant meanings or guiding concepts that organizational members share (Peters and
Waterman, 1982).
1. Structure
Every organization no matter big or small has got its own organization structure. Creating the
structure is a difficult task for the top management. Structure should be formed in such a manner
that its neither complicated for the employees nor for the top management to control it.


Functions of Banks.
 Accepting Deposits: Banks provide a safe place for individuals and businesses to
deposit their money, which can be withdrawn when needed.
 Providing Loans: Banks lend money to individuals and businesses for various
purposes, such as home mortgages, business expansion, or personal loans.
 Payments and Settlements: Banks enable transactions through various payment

methods, like checks, debit/credit cards, and electronic transfers.
 Currency Exchange: Many banks offer foreign exchange services, allowing

customers to buy, sell, or exchange foreign currencies.
 Safekeeping of Valuables: Some banks offer safe deposit boxes for customers to
securely store valuable items and documents.
 Investment Services: Banks also provide investment products like mutual funds,
stocks, and bonds, helping customers grow their wealth.
 Internet Banking Services: Banks offer online and mobile banking services,
making it convenient for customers to access their accounts, pay bills, and
transfer funds.
Functions of Chief Risk Officer
 Risk management policies are directly reflected in the organization’s strategic plans
 Timely risk assessment process through risk management expert or in-person
 Prepare documentation related to risk assessment
 Create a budget plan for concerned projects

 Take a thorough look at the audit practices of accounting, compliance reports, and safety
measure
 Recognize the threats to the reputation of the organization, which include blunders in the
marketing process
 Documenting risk analysis reports to various stakeholders such as board members, C-suite
executives, and employees
 Evaluating the operational risks that might occur due to system failure or human error, which
in turn leads to the disruption of business processes. In such a scenario, it’s the responsibility
of the CRO to formulate strategies to overcome the risks
 Recognize the potential threats to operational efficiency and financial stability of the
organization
 Develop risk-related plans and formulate strategies to minimize and mitigate risks and also
monitoring the progress of the project
Functions of chief vigilance officer

 To undertake study of existing procedures and practices prevailing in his Organisation with a
view to identify those procedures or practices which provide a scope for corruption and
require modification.
 To find out the causes of delay, the points at which delay occurs and devise suitable steps to
minimize delays at different stages; Chapter - II Appointment, Role, Functions and
Responsibilities of Chief Vigilance Officers 36 Vigilance Manual 2017
 To review the regulatory functions to see whether all of them are strictly necessary and
whether the method of discharge of those functions is capable of improvement;
 To devise adequate methods to ensure that discretionary powers are not exercised arbitrarily
but in a transparent and fair manner; and in accordance with some laid down guidelines.
 To educate the citizens about the procedures of dealing with various matters and also to
simplify these as far as possible

 To identify the areas in his Organisation which are prone to corruption and to ensure that
officers of proven integrity only are posted in those areas
 To identify sensitive posts in the Organisation
 To ensure periodical rotations of staff and in particular officers holding sensitive posts; (CVC
Circular No. 004/VGL/090 dated 11.09.2013)
 To ensure that well-defined internal processes as well as corresponding controls with clear
responsibilities, for different kind of activities, are set out
 To ensure that the Organisation has prepared manuals on important subjects such as
purchases, contracts, procurement, recruitment, etc. and that these manuals are updated from
time to time and conform to the guidelines issued by the Commission and the Ministries
concerned
 To develop and implement an effective Whistle Blower mechanism
 To leverage technology for making preventive vigilance function effective
 To ensure prompt observance of Conduct rules relating to integrity, covering
keys of ED-whole sale banking
 Wholesale banking refers to banking services sold to large clients, such as corporations, other
banks, and government agencies.
 Typical services sold are mergers and acquisitions, consulting, currency conversion,
and underwrting
 Wholesale banking is the opposite of retail banking, which services individuals and small
businesses.
 Most standard banks offer wholesale banking services in addition to traditional retail banking
services.
 Wholesale banking also refers to the borrowing and lending between institutional banks.
Keys of ED-HR recovery monitoring

 Appropriate load monitoring can aid in determining if an athlete is adapting to a training program and
to minimize the risk of developing non-functional overreaching (fatigue lasting weeks to months),
illness and/or injury.
 Research has investigated a number of external load quantifying and monitoring tools, such as power
output measuring devices, time-motion analysis, as well as internal load unit measures, including
perception of effort, heart rate, lactate concentration and training impulse. Dissociation between
external and internal load units may reveal the state of fatigue of an athlete.
 Heart-rate recovery, neuromuscular function, biochemical/hormonal/immunological assessments,
questionnaires and diaries, psychomotor speed and sleep quality and quantity are other monitoring
tools utilized by high-performance programs.
 The monitoring approach taken with athletes may depend on whether the athlete is engaging in
individual or team sport activities, but the importance of individualization of load monitoring cannot
be overemphasized.
 Detecting meaningful changes with scientific and statistical approaches can provide confidence and
certainty when implementing change.
 Appropriate monitoring of training load can provide important information to athletes and coaches;
however, monitoring systems should be intuitive, provide efficient data analysis and interpretation,
and enable efficient reporting of simple, yet scientifically valid feedback.
2. Skills
Skills refer to set knowledge and talent which the employee need to have in him to attend the
organization goal. Skills are possessed based on the qualification of an individual and the sound
knowledge and experience that the employee would possess on his work. The Jana small Bank of
India believes that the skills are the integral part of the bank and the employees are appointed with
the specific skills required to perform its operations
Top level Middle level Lower level

management t management management
Technical skill   -
HR skill  - -
Conceptual   -

skill
Communicatio   
n skill
Leadership skill  - -
Problem   
solving skill
3. Strategy:
Strategy means actions a company plans in response to or in anticipation of challenges in the
external environment. Today lots of changes are taking place in the banking environment of our
country. The Jana small Bank of India, in order to respond to the changes, has formed following
action plans with specific reference to pricing and people.
Increasing emphasis on fee based, commission based activities such as selling insurance products,
introduction of money transfer (western union money transfer), collection of utility bills and other
fee based services like Mutual Fund distribution which helps the Bank to be more competitive.
 Action plans- Pricing:
Increasing emphasis on fee based, commission based activities such as selling insurance products,
introduction of money transfer (western union money transfer), collection of utility bills and other
fee based services like Mutual Fund distribution which helps the Bank to be more competitive.
4. Systems
Every organization has some systems or internal processes to support and implement the strategy
and run day-to-day affairs. These processes are normally strictly followed and are designed to
achieve maximum effectiveness. The kind of systems used by the bank are
 Computer systems
The bank has got all the best facilities to meet the requirements of their customers, keeping in
mind the booming of business sector and the very much urge of meeting the fast transactions . the
bank has launched the Core Banking Solutions(CBS) by using Finacle which makes the customer
using his account not only in his branch but any branch of the bank.

 Risk management systems:

It means managing the risk, the objective of the bank is to maximize its profit by making
investments in profitable channel. Thus by minimizing the risk bank tries to gain investors
confidence and enhances its profitability.
 Control system
The bank has very good control systems in all areas of its operations, its make continuous review
from time to time, And has adopted very strict measures to maintain its work standards, and the
bank also undergoes audit inspection to measure its performance to meet the customer complaints
and to settle down the routine problems.
5. Staff:
The organization is build up with the people , who are termed as staff and they are the ones who
define the organization and build its scope and prospects. The employees appointed for the job
must be well trained , provide them training with necessary skills and knowledge so that they can
perform their work effectively and efficiently. the bank has got a staff training college in
Bangalore, where it provides the training to the new as well as existing entrants.
6. Shared values
All members of the organization share some common fundamental ideas or guiding concepts
around which the business is built. This may be to make money or to achieve excellence in a
particular field. These values and common goals keep the employees working towards a common
destination as a coherent team and are important to keep the team spirit alive.
The banks values are based on its understanding towards its customers and employees and
achieving the goals on timely basis.

Porter’s forces analysis

Porter's Five Forces Framework is a method of analyze the operating environment of
a competition of a business. It draws from industrial organization (IO) economics to derive five
forces that determine the competitive intensity and, therefore, the attractiveness of an industry in
terms of its profitability. An "unattractive" industry is one in which the effect of these five forces
reduces overall profitability. The most unattractive industry would be one approaching "pure
competition", in which available profits for all firms are driven to normal profit levels. The five-
forces perspective is associated with its originator, Michael E. Porter of Harvard University.
Porter refers to these forces as the microenvironment to contrast it with the more general
term macro environment.. This framework was first published in Harvard Business Review in
1979.
The five-force model includes:
 Threat of new entrants

 Rivalry among existing competitors
 Bargaining power of suppliers
 Bargaining power of buyers
 Threat of substitutes

1. Level of competition
As mentioned earlier, competition in the financial sector is very stiff globally. This is further
worsened by the consolidation of the financial industry, which leads to the creation of bigger and
more diversified competitors. However, UBS has a dedicated research team and a large pool of
resources that enable the group to innovatively devise better means of staying ahead of the game
(UBS, 2012).
2. Threats of substitutes
To a large extent, there are no substitutes when it comes to financial services. This fact makes the
threat of substitutes significantly low. However, UBS operates on a high margin regime, which
can be substituted by low margin products and services offered by rival companies.
3. Threat of new entrants

The threat of new entrants is relatively low. This is mainly attributed to the fact significantly large

amount of capital and resources are required to set up an institution that would actively threaten
the progress or success of UBS.
Possibility of merger of all public sector banks may create a stiff competition amongst the existing
banks and makes the private players free entry
4. Bargaining power of buyers
By globally diversifying its operations, UBS has a larger market. This means that there are more
clients and UBS has to cater for their needs in order to maintain and expand its market base. Since
UBS has established itself as a top notch investor, its client has a higher bargaining power
(WetFeet, 2012).
Value Chain Analysis
According to Financial Times (2012), the value chain analysis sets out to identify specific
functions carried out by a company in order to create a competitive advantage over its rivals.
Some of the recognized primary value chain activities include: Inbound logistics, Operations,
Outbound logistics, Marketing and sales and Services (Van Bennekom & Goffin, 2010). according
to WetFeet (2012), the support value chain activities in UBS bank relate to Human Resource
Management (HRM), technological development and firm infrastructure among other

CHAPTER - 4
SWOT ANALYSIS
SWOT ANALYSIS
SWOT Analysis states the organization strengths, weakness, opportunities and threats. Strengths
and weaknesses pertain to the internal configuration while opportunities and threats belong to the
external environment. A focus on the Company’s internal environment helps in understanding its
capacity, weakness and opportunities that are important considerations in its activities and actions
for efficiency and sustainability. A critical analysis of the environment within which the company
operates, reveals the following core strengths, weakness, opportunities and threats (SWOT).

The bank would know its position only classifying its Strengths, Weakness, and Opportunities &
Threats. This is necessary to meet the Environment opportunities and threats. This will help the
organization to be in the forefront of the competition and make its survival
STRENGTH
 It has got overseas banking operations

 Government of India holds the maximum shares in the psu banking sector
 The bank has got 100% CBS in all its branches
 It has 2838 branches with 2420 Atm’s across the country.
 The bank opens 400 branches every year.
 The bank is into operation for more than 90 years
 The bank has staff of 27772 . across the country
 The banks net profit has increased from rs 1726.55 crores to rs 2074.92 crores.
 Market share of total business has increased from 3.39% to 3.44%.
 The banks staff are very dedicated to their work
 It has got product like debit cards, Online booking of rail tickets through e-mail
 The bank also has mobile banking facility for its customers
 the bank is well established, and has created a good impression among its customers.
WEAKNESS
 The bank had introduced the latest technologies in the past few years , in which there was
heavier competition to face for it
 The bank needs to increase its promotional activities.
OPPORTUNITIES
 There is a greater scope for the bank to carry on its business, because of the growing banking
sector.

 Because of 100 % CBS the bank can create more customers.
 Expanding branches of the bank is the sign of growth
 Bank can target the youth especially the students for opening accounts and provide various
facilities to them
 The bank can establish branches in rural areas to increase its business.
 The programmed of financial inclusion should implemented in all the villages.
 The bank can provide session to its customers to make the best use of Internet banking.
 The bank has various attractive ,lending and deposit schemes for its customers.
 The growth in retail lending is expected to continue at much higher rates in the time to come
as the retail loans to GDP are still less than 5% which is lower than the other developed
countries.
THREATS
 The bank is facing competition from the other public sector banks.
 Risks: Banks are exposed to various types of risk such as credit risk, market risk and
operational risk. Effective risk management is critical to the success of the banks.
 Competition from foreign banks and their innovative financial products and new technology.
Banks like any other industry are exposed to credit, market and operational risks in the day
today operation

CHAPTER-5
ANALYSIS OF FINANCIAL STATEMENT

Financial statement analysis is a method for the reviewing and also produced a company
accounting report in order by gauge its past and present and projected future activities Another
important purpose of the analyzing of financial statement is to identify potential problem areas
and troubleshoot those.This process of reviewing the financial statement and allows for better
economy decision making.
Area elaborated on the financial statement analysis
1) Management
2) Investors
3) Creditors
4) Customers
5) Employees
Key points to be considered for financial analysis
1. Areas of financial performance analysis
 Working capital analysis
 Activity analysis
 Probability analysis
 Financial structure analysis
2. Significance of financial performance
 Management

 Corporate social responsibility
5.1. BALANCESHEET:
Balance sheet is the financial statement of a company with includes assets, liabilities,
equity capital, total debt, etc. at a point in time. Balance sheet includes assets on one side, and
liabilities on other. It is the amount that the company owes to its creditors.
Table 5.1 Balance Sheet
BALANCE SHEET AS AT 31/03/2023 And 31/03/2022
PARTICULERS Note 31/03/2023 31/03/2022

No
I. EQITY AND
LIABILITI
ES
1.Shareholders fund
a)Share capital 2 2,03,00,000.00 2,03,00,000.00
b)Reserves and 3 16,51,17,248.68 15,65,17,922.93

surplus
- - -
c) Money received
against share
warrants
2. Share application
money pending
Allotment
3. Non-current
liabilities
a) Long term 4 2,35,58,022.00 4,43,50,644.00
borrowings
- Nil N
il
b) Deferred tax -5
liabilities (Net) - -
c) Other long-term 3,34,02,409.00 2,69,58,946.00

liabilities
d) Long term
provisions
4.Current liabilities
a) Short term 6 17,84,61,218.93 17,74,43,453.44
borrowing's
7 9,40,43,308.72 4,82,05,662.38
b) Trade payables
8 6,77,30,718.29 5,58,15,823.63
c) Other current
liabilities 9 64,54,700.00 98,51,221.00
d) Short term
provisions
TOTAL 58,90,67,625.62 53,94,43,673.30

I. ASSETS
1.Non-current assets
a) Fixed assets 10
1.Tangible assets 13,10,61,008.80 11,53,99,336.46

2.Intangible assets Nil N
il
3.Capital work-in- 6,78,25,076.70 7,81,32,991.98
progress Nil N
il
4.Intangible assets
under Development
b) Non-current Nil N
investments il
c) Deferred tax 11 36,41,010.00 27,28,610.00
assets (Net)
12 1,40,88,036.00 67,66,127.00
d) Long term loans
and advances
e) Other non- 13 8,43,36,654.00 6,15,67,947.38

current assets

2.Current assets
a) Current - Nil N
il
investments
14 19,16,02,184.00 16,64,82,855.00
b) Inventories
15 3,14,75,238.39 2,42,97,198.14
c) Trade receivable's
16 1,19,78,741.30 1,03,03,379.68
d) Cash and cash
equivalents 17 5,30,59,676.43 7,37,65,227.74
e) Short term loans - Nil N

il
and advances
f) Other current
assets
Significant 1 to
accounting policies 27
and notes
Forming part of
Balance sheet
TOTAL 58,90,67,625.62 53,94,43,673.38
FINDINGS:
 Company produces high quality products

 Methods India Pvt. Ltd. is planning to expand their production by developing two new
plants, one in Andhra Pradesh and another in West Bengal.
 Employees at Methods are not exploited and treated as resource which adds value to
their finished goods and organization as a whole.
 Methods are making effort to increase their Global presence through development of
various new clients.
RECOMMONDATION

Considerably within a short period of time being established Methods India Pvt. Ltd. has earned
the reputation of being a leading manufacturer of conveyer belts by virtue of an enviable
manufacturing infrastructure. As a result of efficient monitoring and quality control at every
stage of production. wastages and rejections are brought down. Whatever be the orders,
whatever lie the risk, whatever be the tasks Methods will live up to the expectations of the
people by providing a wide range of products, catering to diverse segment of the market,
enforcing strict quality measures and standards for its products. Methods India Pvt. Ltd. enjoys a
very favorable position in the market. The company can increase its market share by introducing
new products into the market. By launching variety products, the clients can make their
selection as per their wish, which will help the company to increase the customer satisfaction.
CONCLUSION:
The organization study helped me to analyze the function of various departments in Methods
India Ltd. The study was carried out through the functional areas like finance, marketing, human
resources, technical and production and it was found out that all the departments are functioning
with good coordination. I was able to understand what are the strengths as well as
the weakness of the organization. Both primary and secondary data are collected for the study.
The corporation of the faculty and the company personnel also play a vital role in the
successful competition of this project.
5.2. RATIO ANALYSIS
Ratio analysis is referred to as the study or analysis of the line items present in the financial
statements of the company. It can be used to check various factors of a business such as
profitability, liquidity, solvency and efficiency of the company or the business.
Ratio analysis is often used for understanding the risks a company has, and to do that, you need
to calculate operating leverage and financial leverage. Simply put, it helps you determine the
sensibility of a company’s profitability while looking at outstanding debts and fixed cost

deployment.
1. CURRENT RATIO
The current ratio is a liquidity ratio that measures a company’s ability to pay short-term
obligations or those due within one year. It tells investors and analysts how a company can
maximize the current assets on its balance sheet to satisfy its current debt and other payables.
CURRENT RATIO = CURRENT ASSETS / CURRENT LIABILITIES
Table of current ratio

Table 5.2
Current Ratio
YEAR CURRENT CURRENT RATIO

ASSETS LIABILITIES
2023 28,81,15,840.12 34,66,89,945.94 0.831
2022 27,48,48,660.56 29,13,16,160.45 0.943
1. SOLVENCY RATIO
A solvency ratio indicates whether a company's cash flow is sufficient to meet its long term
liabilities and thus is a measure of its financial health. An unfavorable ratio can indicate some
likelihood that a company will default on its debt obligations.
SR=TOTAL ASSETS/TOTAL LIABILITIES

Table 5.3
Solvency ratio
YEAR TOTAL ASSETS TOTAL RATIO

LIABILITIES
2023 58,90,67,625.62 58,90,67,625.62 1
2022 53,94,43,673.38 53,94,43,673.38 1
The 1:1 solvency ratio simply means that assets equal liabilities, indicating a balanced financial
position where an entity's assets are sufficient to cover its liabilities. In other words, for every unit
of liabilities, there is an equivalent unit of assets. This ratio is often used as a benchmark to assess
the financial health and stability of an organization, as it signifies that the entity has enough
resources to meet its financial obligations
2. CASH RATIO
The cash ratio is a measurement of a company's liquidity. It specifically calculates the ratio
of a company's total cash and cash equivalents to its current liabilities. The metric
evaluates company's ability to repay its short-term debt with cash or near cash resources,
such as easily marketable securities.
CR=CASH/CURRENT LIABILITIES
Table 5.4
Cash ratio
YEAR CASH CURRENT RATIO

LIABILITIES
2023 1,19,78,741.30 34,66,89,945.94 0.034
2022 1,03,03,379.68 29,13,16,160.45 0.035

CHAPTER – 6
LEARNING E X P E R I E N C E
The project work was carried out at Jana Small finance Bank gave me a lot of insight into the
practical working of a Bank. I could understand the various functions of an organization like,
Planning, Organizing, Directing, Controlling and Staffing. I learned the various methods used to
assess the working capital of firms, companies etc.and the various forms of working capital
extended to organizations. I understood various services provided by the Bank apart from the
basic functions of Accepting deposits and lending loans and learnt about the technology used in
the Bank to provide quality, secure and faster services. I also learned the workflow for accepting
deposits and providing loans and various strategies, policies and systems adopted by the Bank .
As part of MBA curriculum at VTU Muddenahalli, completed a four week organizational study at
Davangere Wire Rope Industry Private Limited to familiarize myself with the company
environment. The purpose of this study was to learn about the Industry’s structure, functions,
processes, competences and strategies.
The main purpose of the organization study is to make students acquainted with the practical
knowledge about the overall functioning of the organization. It gives an opportunity to study the
human behaviour and also makes one ready to face different situations which normally would
come across while on work in the office or an factory environment.
Learning is an continuous process enriches the knowledge and gives us the edge in our career the
experience was wonderful which exposed me to practical knowledge of what I studied in the class
room it gave me practical knowledge with regards to the functioning of organization its culture

values and beliefs this internship helped me to understand the working culture of the organization
in different areas.
During first and second semester MBA I had got only theoretical knowledge which was studied as
a part of my curriculum. Davangere Wire Rope Industry Private Limited gave me an opportunity
to get to know the industrial exposure and how to prepare boldly myself to face any kind of
problems and in interviews. My confident level has immensely increased during my 4 weeks of
organisation study. And company gave an autocratic type of leadership style and centralized
decision making.
An internship with a company, which is well established, is a brilliant source of knowledge. There
will be able to physically feel and experience the concepts that the students have learned
throughout their life. This provides a chance to reflect upon what they have learned till now. They
would be able to utilize their experience as a guide to correct the mistakes and to rediscover more
skills that will be useful.
The basic values of internship are:
Students have gained experience by applying knowledge and skills in work related situations.
1. Expanding the knowledge by seeing others mistakes and to solve them.

2. We have learnt about what kind of official works to do and also gained their level of
confidence in their own abilities.
3. Studied the application of theoretical concepts into business decision making process in the
organization.
4. Gained knowledge about overall view of the manager operation.
5. Practical knowledge about how the motivation is to be made for the employees to get the
work.
6. We have learnt how to identify the internal problems of the company and to be solved.
7. Learnt about the organization, their existence, mission, vision of the company and product
profile, and the types of product they have bene offered, and the services profile we learn
on organization structure, hierarchy of the organization and an decision making process.
8. We would understand what are the strength, weakness, opportunity, and threat of the

company.
In the HR department learn so many thinks, because work on that department. There are 13 HR
persons are there, they will give suggestions to the employees, and give instruction to the
employees. And learn company how recruit the employees that procedure. And learn how to
behave with employees.
The organization gives the opportunity to every employee to share their ideas and give suggestion
to the company. For using advanced technologies to doing work fast purpose produce more
product in less time frame it gives more profit to the company.
During the interaction with each employee, I came to know their real situation, duties,
responsibilities and functions. In spite of their busy schedules there were very much interested to
explain me different concepts. The employees at every corner of the company helped me in
getting the required information for successful completion of this project. The atmosphere was so
friendly so I did not have a difficulty during the whole project period of four weeks, it gives me a
great real information and knowledge as to how bank function.
 The organization study was able to improve my managerial skills and being timely with respect
to handling people's problems.
 The energy and effort put in by me for four weeks will help me stand in a good position in the
long run.
 This company gave an chance to learn from the people who are experts in different fields.
 By the study got to know about the various policies for workers benefits and their schemes and
the way they going about their strategy in order to gain workers compliance.
 During this training got an opportunities to interact with professionals which helped m enhance
my communication skills and decision-making skills and made me managerially more
equipped.
 In this organizational study came to know how different employee's/ workers have different
skills, talents, abilities attitudes etc., and how they are being coordinate and utilized in an
optimum manner, in achieving organization goals.
 It was very happy with all the employees in the organization because every individual
cooperated a lot with us. Whatever information I was in need of, that I could collect very easily
with them. They used to stop their work for a while and tried to give the full information, which

I was in need of, Our External Guide was very helpful for us. He used to give me various
department information and financial statement & information's.
An internship with a company, which is well established, is a brilliant source of knowledge. I will
be able to physically feel and experience the concepts that I have learned throughout my life. This
provides me a chance to reflect upon what I have learned till now. On the other hand, I will be
able to gain some very important insights of working with senior officials in reality. I would be
able to utilize their experience as a guide to correct my mistakes and to rediscover more skills that
will be useful.
The works related to the company plays as an opportunity where they have given the assignments
directly related to an area of study or career interest.
The basic values of internship I have taught are:
 I have gained experience by applying knowledge and skills in work related situations.
 Have learnt about what kind of official works to do and also gained my level of confidence in
my own abilities.
 Gained the practical real work experience as an employee.
 Expanding my knowledge by seeing others mistakes and to solve them.
 I have learnt how to identify the internal problems of the company and to be solved.
 Multitasking in some areas and team work.
My experience at internship has taught me more than I could have imagined. I felt my duties were
diverse and ever changing. Some it’s tough to recall everything I have taken in over past month,
but even though I feel that these are some of the most beneficial lessons I have learnt.
Learnt about the organization, their existence, mission, vision of the company and product
profile, and the types of products they have been offered, and the services profile we learn
on organization structure, hierarchy of the organization, decision making process.
They also increase communication skill while interacting with the staff members and they
learn about management team, their responsibilities, their point of view in future
expectation of products, learnt on company core values that is using team word instead of I
that results efficiency in work.

 I learnt how the deferent plastic will be use in production in our company they have
quality assurance about their product because they will use the fabric for production which
is tested in regional laboratory of textiles committee, ministry of textiles, government of
India.
 The study gave an opportunity to understand the day-to-day activities and that are performed
by each and every department.
 This study helped to know the organization workflow and also how all the departments work
process will be carried out.
 With the help of this organization study learnt about strength, weakness, opportunity and
threats of the industry
 Throughout my organizational study, I learned about skill required, style of leader ship, the
strategies adopted by the company in order to face the tough competition, it was more a
learning experience for me.
 The results and findings of this research study clearly exemplifies the fact than in depth
Market. Research has been conducted and all the objectives set for the research work has been
fully. Accomplished and the analysis is also performed to the maximum extent possible.
The study generated sense of knowledge to understand customer behavior and various attributes
pertaining to customer buying. It has been observed that customers are more satisfied and are
loyal to the brand.
In order to meet the customer requirements, the organization is monitoring the information
relating to customer perception through various methods like collecting feedback from the
customer and the retailer by frequent interactions. After collecting feedback, the customer and the
retailer satisfaction analysis is done on the parameters like delivery performance, quality of the
product and an additional parameter of difference in invoices specific to retailers. This was been
studied through personal interview method.
To conclude the training gave an opportunity to understand the practicality about the management
operation. The training was very useful as it manifolds the confidence apart from the theoretical
knowledge gained/ acquired in the classroom.

BIBLIOGRAPHY
WEBSITES
1) https://www. Jana small bank of india.co.in/
2) https://en.wikipedia.org/wiki
3) https://www.moneycontrol.com
4) https://economictimes.indiatimes.com
5) https://www.google.com/search?
q=functions+ED+HR+recovery+monitoring&sca_esv=d20ab216d57f1a16&sca_upv=1&sxsrf=ACQV
n08nChsg1Wo9vh34PYIAwV35MVWIXg%3A1710307326062&ei=
6) https://www.google.com/search?
q=wkipedia+of+org&sca_esv=d20ab216d57f1a16&sca_upv=1&sxsrf=ACQVn09Fp1J-
L3P3MumWK_wgthkbinjnbg
%3A1710307530233&ei=yjjxZZPsDaOLnesPxda9mAI&ved=0ahUKEwiT-
a6GwPCEAxWjRWcHHUVrDyMQ4dUDCBA&uact=5&oq=wkipedia+of+org&gs_lp=Egxnd3Mtd2l
6LXNlcnA

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INTERNSHIP AT JANA SMALL FINANCE BANK LTD .

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 1

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 2

‘Fuchsia’ is the colour of prosperity, abundance and empowerment. It is also a non-conformist

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 3

a) State Co-operative Banks

b) Urban Co-operative Banks

a) Private Sector Banks

b) Public Sector Banks

c) Regional Rural Banks (RRB)

 Local Area Banks (LAB)

 Small Finance Banks

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 4

a) State Co-operative Banks

b) Urban Co-operative Banks

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 5

 Private Sector Banks

 Public Sector Banks

 Regional Rural Banks (RRB)

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 6

Small Finance Banks

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 7

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 8

including approximately 3.05 million active customers.

Awards & Recognition

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 9

 Certification from Micro-Credit Ratings International Limited (M-CRIL)

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 10

TITLE OF THE STUDY:

“A STUDY ON INTERNSHIP PERFORMANCE &ANALYSIS OF JANA SMALL

Company product and services

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 11

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 12

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 13

Jana Pay Point

VISION & MISSION

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 14

 To be a leading financial institution committed to creating a financially inclusive society by

Objectives and goal of Jana small finance bank

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 15

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 16

AU Small Finance Bank

AU Bank (formerly AU Financiers) is a provider of loans to entrepreneurs for the acquisition of

Fin care Small Finance Bank

DEPARTMENT OF MBA, VTU-CPGS, MUDDENEHALLI Page 17

Ujjivan Small Finance Bank

 PRODUCT OR SERVICE PROFILE

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Products and Services

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Is there a possibility of divergence in the future?

Small Finance Banks

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 Payments and Settlements: Banks enable transactions through various payment

 Currency Exchange: Many banks offer foreign exchange services, allowing

Functions of Chief Risk Officer

 Timely risk assessment process through risk management expert or in-person

 Prepare documentation related to risk assessment

 Create a budget plan for concerned projects

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Functions of chief vigilance officer