SUMMER TRANING PROJECT REPORT ON FINANCIAL ANALYSIS OF FINANCIAL STATEMENT

UNDERGONE AT BARODA GRAMIN BANK UTTAR PRADESH

In partial fulfillment of the requirement for the Degree of “MASTER OF BUSSINESS ADMINISTRATION”
SESSION (2007-2009)

AFFILIATED TO U.P. TECHNICAL UNIVERSITY, LUCKNOW SUBMITTED TO:Mr. SOMESH SHARMA

SUBMITTED BY:KAMLESH TRIPATHI
MBA 2nd year Roll No- 0701570038

PREFACE
The business word today is consider different and more complex than it was just year ago. Today we experience improving economic rising interest rate .excuse ,out soucising ,more attention to business ethics. Finance is difficult to understand but very important in the business era . The organization life totally depends on the financial position of the firm or organization if the finance position is good then organization run smoothly. Today Bank play important role of the any company growth and run the business. Bank provide loan to the business to produce better quality of good nd service and satisfy the customer need. In the rural sector government help to the bank to given loan to the farmer. In the recent day government given loan relief to the farmer and that is beneficial to the entire farmer. In this project I am mention these point which are important to the any Bank. Because without any benefit no body done any work. So that is important think is that what all these mention in the project are actually happen in the bank. In India 70% people depend on the agriculture and same percent people living in the rural area, so that some bank point these area, where people only think about living is the life , but now time to change and every body want to become rich person and he become if you have money . In people life money is biggest problem if you have money then everything in your hand neither nothing in the life. So that bank provide facility to save money for bright future.

ACKNOWLEDGEMENT

It is a privilege and pleasure to express the deep sense of gratitude to Mr. S. K. Sill Finance Manager of Baroda Gramin Bank Uttar Pradesh for his valuable guidance and encouragement during the course of project work. I am extremely grateful to the authorities of Invertis Institute of Management Studies, Bareilly Placement cell teacher which help me and guide to done the summer training on the particular company.

I would like to thank my concerned faculty Mr. Somesh for extending her immense help while completing my project successfully.

I would also like to special thanks to Mr. Rahul Singh sir which are help to make project and valuable guidance & suggestion time to time.

(KAMLESH KUMAR TRIPATHI)

DECLARATION

I am Kamlesh Kumar Tripathi , Roll no. 0701570038 a student of MBA third Semester of Invertis Institute of Management Studies, Bareilly hereby declare that the summer training project report on the topic “Profit Analysis of the Bank” is my original work and the same has not been submitted for the award of any other diploma or degree.

PLACE Bareilly (KAMLESH KUMAR TRIPATHI)

.2 Product and Service…………………………………….28-29 Award & Recognitions……………………………………………. INTRODUCTION Page No.64-76 Objective of Study………………………………………………….18-24 IRDA………………………………………………………………. 102 Appendix……………………………………………………………103-105 .35-60 Performance of the company…………………………………….25-27 Board of Directors & Management Team………………………. 1.CONTENTS 1.1 Company Profile ………………………… ………………6-17 1.77-78 Research Methodology……………………………………………...61-63 Introduction of Topic………………………………………………...30-34 Products & Services……………………………………………….79-83 Limitation of Research Finding…………………………………… 84 Data Analysis…………………………………………………………85-92 Summery of Finding…………………………………………………93-98 Suggestion & Conclusion…………………………………………99-101 Bibliography……………………………………………………….

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COMPANY PROFILE .

23. of India vide its notification dt.HISTORY The RRBs were established in India under RRB Act 1976 [23(1)]. sponsored by Bank of Baroda. Faizabad Kshetriya Gramin Bank. Govt. Raebareli Kshetriya Gramin Bank. Thus emerged a new corporate called Baroda Eastern Uttar Pradesh Gramin Bank with its Head Office in Raebareli .02.2006 amalgamated 7 RRBs of Eastern Uttar Pradesh namely Allahabad Kshetriya Gramin Bank. Bank of Baroda had sponsored 19 RRBs in the country of which 7 RRBs were in eastern Uttar Pradesh. Pratapgarh Kshetriya Gramin Bank. Kanpur Kshetriya Gramin Bank. Fatehpur Kshetriya Gramin Bank. Considering the need for structural changes in RRBs in view of dynamically changing economic scenario. During the period from 1976 to 2006 banking industry had undergone various changes and RRBs were no exception. Sultanpur Kshetriya Gramin Bank.

to prepare a committed and knowledgeable workforce with a view to transforming the Bank into the most preferred banking outlet in rural areas. to achieve a quantum jump in savings bank deposit mobilization. to ensure saturation of villages in our service area. .VISION To stage a turn around in profitability and NPA reduction. to double the flow of credit to agriculture.

Contact Us HEAD OFFICE. Address: A-1. Civil Lines.MISSION Mission is to transform into a Bank with sound financials committed to overall economic development of rural areas with care. competence and compassion towards its customers.RAEBARELI : 229 001 .

.2607653 alhro@barodagraminbank. KANPUR 0512 -2505411 0512 – 2505413 knpro@barodagraminbank.2702050 0535 .Kakadeo.com 3 .D. Tashkent Marg ALLAHABAD 0532 .2607602 0532 .com .2700723 ho@barodagraminbank.220235 05342 – 220235 prtro@barodagraminbank.com Regional office Allahabad Address: Phone No: Fax No: E_mail : Regional office Kanpur Address: Phone No: Fax No: E_mail : Regional office Partapgarh Address: Phone No: Fax No: E_mail : City Road .com 117 / N / 26 .Phone No: Fax No: E_mail : 0535 .PRATAPGARH 05342 .

com BOARD OF DIRECTOR The Governance of Baroda Eastern Uttar Pradesh Gramin Bank is through its Board of Directors. Shri Dinesh Sharma . Phone No: Fax No: E_mail : 05278 – 241194 05278 – 241706 fzbro@barodagraminbank. Structure of the Board is as under: 1.Acharya Narendra Deo Road.Regional office Faizabad Address: FAIZABAD Baldeo Niwas Compound.

2. Shri Ram Sudhar Deputy General Manager. RPCD and Urban Banks Department in RBI. he joined Reserve Bank of India in 1972.Mumbai.R. CAIIB. Jaipur.SME. He believes in “Work hard as much as you can and enjoy life as much as you can".02. AGM Udaipur Region and Deputy General Manager . holds Post-Graduate Diploma in Banking and Finance. Reserve Bank of India.Butolia. Shri M.1948 in village Khanipur in Lambhua Tehsil of Sultanpur (UP) he is M. NABARD. He has been departmental head of the department for Supervision of co-operative Banks and Regional Rural Banks. . he did his post-graduation in Economics and also acquired post-graduation diploma in personal Management. joined the Bank in 1972 and carries with him a rich and varied experience of being branch head of many branches in Rajasthan. Shri Sharma besides being a science graduate and CAIIB. A richly experienced banker with humble beginning. 3.IT in the IndoZambia Bank. A simple man his life’s philosophy is “be honest and try to help others without expecting anything from them. Baroda Corporate Centre .Com. 1949 in New Delhi.R.DBF. Born on 27th July 1951. He joined Reserve Bank of India in 1976 as officer and opted to migrate to NABARD in1982. Chief Manager .Deputy General Manager of Bank of Baroda. Deputy General Manager. His journey in Bank of Baroda epitomises his conviction that hard work. Ahmedabad. being born on 01. After beginning his carrier in District cooperative Bank Sultanpur. Butolia Shri M. He has been incharge of Deposit Accounts department. faculty member of Training Centre. Assistant General Manager at Zonal Inspection Centre. Born on May 13. honesty and dedication always pays in the long run. Lusaka.

12. Kolkata Metro Region and Lucknow Region. of Uttar Pradesh. Director – Directorate of Institutional Finance & Insurance.P). Born on July 1. Born on July 7. Directorate of Institutional Finance. Kailash Shankar . Shri Suresh Kumar Puri Deputy Director. A simple man he believes in being honest and true. 1957 in Sitapur (U. Institutional Finance. Born on 21st June 1959 in the beautiful city of Allahabad he holds a post-graduate degree in Science. represents the sponsor bank on the Board and bring with him rich experience and acumen of banking operations and administration. 1949 at Shahjehanpur (U. Allahabad. semiurban. Bank of Baroda. General Manager.K. An upright individual. Addl. urban and metro branches. 7. After being a Research Officer in the Planning Department of UP Government. Srivastava. 5. he was the Zonal Head of MP and Chattisgarh Zone. Srivastava head of Uttar Pradesh & Uttarakhand Zone of Shri S. He joined Bank of Baroda on 07.). he is a double post graduate in commerce as well as in Economics. he has been serving the State Government as class I officer since 1980 and is presently Deputy Director. Jodhpur Region (Rajasthan).4. During his illustrious career spanning 37 years has been branch manager of many rural. Regional Manager of Faizabad Region (U. Before his elevation as General Manager. Rakesh Krishna Shri Rakesh Krishna. B. for him “Honesty is the best policy". Govt. Having started his career with Reserve Bank of India and gaining rich experience there in various departments he has been serving the utter Pradesh Government in various capacities and is presently the Additional Director in the Directorate of Institutional Finance.).P.P.70 as a DRO. 6. he holds a post graduate degree in Physics and CAIIB as professional qualification. Sunil K.

he comes with a wealth of academic and professional qualification. Born on October 16.01. 1950 in Kollam district of state of Kerala.Shri B. Lucknow. he became Assistant General Manager (Industrial Law) at Baroda CorporateCentre.Sc. which includes B. with an academically sound background with graduation in Science & Law. perseverance. General Manager. the first Chairman of Baroda Eastern Uttar Pradesh Gramin Bank has the distinction of being one of the youngest executive to be elevated to the rank of Deputy General Manager in Bank of Baroda in the year 2003. PGDSSA. CHAIRMAN FIRST CHAIRMAN OF THE BARODA GRAMIN BANK:Shri Rakesh Kumar Bansal. Dy. Starting his career as Chief Labour Officer withCalicut Modern Spinning & Weaving Mills. Bank of Baroda. In between he held various positions in Personnel/ HRM department at Hyderabad. he joined Bank of Baroda in 1973. Having varied experience in branch banking and administrative offices he rose to be the chairman of the erstwhile . Born on 21. B. An expert in HRM he switched over to operational side in May 2005 and has been heading the Allahabad Region as Regional Head very successfully. Kailash Shankar. Rising in hierarchy due to his hard work & sharp intellect.L. sharp & deep insight. Kerala. Bareilly. Delhi & Mumbai. Mumbai. he soon started climbing the ladder of success by dint of sheer hard work. Kozhikode. DCA. Equipped with the professional qualification of CAIIB.1954. he joined Bank of Baroda in 1979 as Personnel Officer. knowledge & leadership qualities.

SME. Jaipur. Ahmedabad. Chief Manager . joined the Bank in 1972 and carries with him a rich and varied experience of being branch head of many branches in Rajasthan. faculty member of Training Centre. Assistant General Manager at Zonal Inspection Centre. holds Post-Graduate Diploma in Banking and Finance. Lusaka.Shahjehanpur Kshetriya Gramin Bank. His journey in Bank of Baroda epitomises his conviction that hard work. honesty and dedication always pays in the long run. Baroda Corporate Centre . AGM Udaipur Region and Deputy General Manager . Deputy General Manager of Bank of Baroda. BANKING STRUCTURE IN INDIA . Shri Sharma besides being a science graduate and CAIIB. Born on 27th July 1951. which position he adorned from June 1997 to April 2002 CURRENT CHAIRMAN OF THE BARODA GRAMIN BANK:- Shri Dinesh Sharma.Mumbai.IT in the Indo-Zambia Bank.

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became the State Bank of India. which started in 1786. Subsequently. as did their successors. The depositors lost money and lost interest in keeping deposits with banks. which originated in the "The Bank of Bengal" in Calcutta in June 1806. The Reserve Bank of India formally took on the responsibility of regulating the Indian banking sector from 1935. which. upon India's independence. The oldest bank in existence in India is the State Bank of India. banking in India remained the exclusive domain of Europeans for next several decades until the beginning of the 20th century.Banking in India originated in the first decade of 18th century. The presidency banks were established under charters from the British East India Company. This was one of the three presidency banks. most of the banks opened in India during that period failed. Promoters opened banks banks to finance trading in Indian cotton. After India's independence in 1947. and Bank of Hindustan. With large exposure to speculative ventures. . established in 1865. They merged in 1925 to form the Imperial Bank of India. there were hardly any banks in India in the modern sense of the term. The American Civil War stopped the supply of cotton to Lancashire from the Confederate States. The first banks were The General Bank of India. both of which are now defunct. at the end of late-18th century. For many years the Presidency banks acted as quasi-central banks. However. the other two being the Bank of Bombay and the Bank of Madras. the Reserve Bank was nationalized and given broader powers. Early history The first fully Indian owned bank was the Allahabad Bank.

The Swadeshi movement in particular inspired local businessmen and political figures to found banks of and for the Indian community. Bank of Baroda. in Mumbai . Indian joint stock banks were generally under capitalized and lacked the experience and maturity to compete with the presidency and exchange banks. and another in Bombay in 1862. The exchange banks. Indians had established a small banks.both of which were founded under private ownership. then a French colony. the market expanded with the establishment of banks such as Punjab National Bank. concentrated on financing foreign trade. The Comptoire d'Escompte de Paris opened a branch in Calcutta in 1860. The Bank of Bengal. particularly in Calcutta. mainly due to the trade of the British Empire. the Indian economy was passing through a relative period of stability. and so became a banking center.Foreign banks too started to arrive. most of which served particular ethnic and religious communities. mostly owned by Europeans. and the social. followed. A number of banks established then have survived to the present such as Bank of India. Indian Bank. Canara Bank and Central Bank of India . The presidency banks dominated banking in India. which later became the State Bank of India. Around the turn of the 20th Century. All these banks operated in different segments of the economy. Corporation Bank. Around five decades had elapsed since the Indian Mutiny. industrial and other infrastructure had improved. This segmentation let Lord By the 1900s. Calcutta was the most active trading port in India. in 1895 in Lahore and Bank of India. Sardar Dyal Singh Majithia. Punjab National Bank is the first Swadeshi Bank founded by the leaders like Lala Lajpat Rai. There were also some exchange banks and a number of Indian joint stock banks. in 1906. in the 1860s. branches in Madras and Pondichery.

and two years thereafter until the independence of India were challenging for Indian banking. The years of the First World War were turbulent. At least 94 banks in India failed between 1913 and 1918 as indicated in the following table: Years Number of banks Authorised capital Paid-up Capital 1913 1914 1915 1916 1917 1918 that failed 12 42 11 13 9 7 (Rs. India's independence marked the end of a regime of the Laissez-faire for the Indian banking.From World War I to Independence The period during the First World War (1914-1918) through the end of the Second World War (1939-1945). and the Industrial Policy Resolution adopted by the government in 1948 envisaged a mixed economy. This resulted into greater involvement of the state in different segments of the economy including banking and finance. Lakhs) 274 710 56 231 76 209 (Rs. The Government of India initiated measures to play an active role in the economic life of the nation. The major steps to regulate banking included: . Lakhs) 35 109 5 4 25 1 Post-independence The partition of India in 1947 adversely impacted the economies of Punjab and West Bengal. and it took its toll with banks simply collapsing despite the Indian economy gaining indirect boost due to war-related economic activities. paralyzing banking activities for months.

" 3 The Banking Regulation Act also provided that no new bank or branch of an existing bank may be opened without a license from the RBI. despite these provisions.1 In 1948. the Banking Regulation Act was enacted which empowered the Reserve Bank of India (RBI) "to regulate. was nationalized. India's central banking authority. . However. and no two banks could have common directors. banks in India except the State Bank of India. This changed with the nationalization of major banks in India on 19th July. control. 1969. and it became an institution owned by the Government of India. continued to be owned and operated by private persons. the Reserve Bank of India. 2 In 1949. control and regulations. and inspect the banks in India.

Nationalization By the 1960s. the nationalised banks grew at a pace of around 4%." The paper was received with positive enthusiasm. With the second dose of nationalisation. the-then Prime Minister of India expressed the intention of the GOI in the annual conference of the All India Congress Meeting in a paper entitled "Stray thoughts on Bank Nationalisation. it has emerged as a large employer. It was the first and only merger between nationalized banks and resulted in the reduction of the number of nationalised banks from 20 to 19. The stated reason for the nationalisation was to give the government more control of credit delivery. Thereafter. Jayaprakash Narayan. her move was swift and sudden. 1969. a national leader of India. described the step as a "masterstroke of political sagacity. 1969. Indira Gandhi. Later on. A second dose of nationalisation of 6 more commercial banks followed in 1980. and it received the presidential approval on 9th August. the GOI controlled around 91% of the banking business of India. until the 1990s. . After this. in the year 1993. closer to the average growth rate of the Indian economy." Within two weeks of the issue of the ordinance. and the GOI issued an ordinance and nationalised the 14 largest commercial banks with effect from the midnight of July 19. and a debate has ensued about the possibility to nationalize the banking industry. the government merged New Bank of India with Punjab National Bank. the Parliament passed the Banking Companies (Acquition and Transfer of Undertaking) Bill. the Indian banking industry has become an important tool to facilitate the development of the Indian economy. At the same time.

revitalized the banking sector in India.Liberalization In the early 1990s. UTI Bank(now re-named as Axis Bank).at present it has gone up to 49% with some restrictions. private banks and foreign banks. the then Narsimha Rao government embarked on a policy of liberalisation. and included Global Trust Bank (the first of such new generation banks to be set up). were used to the 4-6-4 method (Borrow at 4%. ICICI Bank and HDFC Bank. Bankers. These came to be known as New Generation tech-savvy banks. People not just demanded more from their banks but also received more. where all Foreign Investors in banks may be given voting rights which could exceed the present cap of 10%.Lend at 6%. This move. which later amalgamated with Oriental Bank of Commerce. along with the rapid growth in the economy of India. The next stage for the Indian banking has been setup with the proposed relaxation in the norms for Foreign Direct Investment. government banks.Go home at 4) of functioning. The new wave ushered in a modern outlook and tech-savvy methods of working for traditional banks. which has seen rapid growth with strong contribution from all the three sectors of banks. licencing a small number of private banks.All this led to the retail boom in India. till this time. namely. The new policy shook the Banking sector in India completely. .

Currently. India has 88 scheduled commercial banks (SCBs) . especially retail banking. the public sector banks hold over 75 percent of total assets of the banking industry. the Reserve Bank of India allowed Warburg Pincus to increase its stake in Kotak Mahindra Bank (a private sector bank) to 10%.27 public sector banks (that is with the Government of India holding a stake)after merger of New Bank of India in Punjab National Bank in 1993.000 branches and 17. In March 2006. strong and transparent balance sheets relative to other banks in comparable economies in its region. With the growth in the Indian economy expected to be strong for quite some timeespecially in its services sector-the demand for banking services. Indian banks are considered to have clean. they may be publicly listed and traded on stock exchanges) and 31 foreign banks.CURRENT SITUATION Currently (2007). This is the first time an investor has been allowed to hold more than 5% in a private sector bank since the RBI announced norms in 2005 that any stake exceeding 5% in the private sector banks would need to be vetted by them. 29 private banks (these do not have government stake. banking in India is generally fairly mature in terms of supply.000 ATMs. The Reserve Bank of India is an autonomous body. with minimal pressure from the government.2% and 6. a rating agency. . and asset sales. In terms of quality of assets and capital adequacy. According to a report by ICRA Limited.5% respectively. One may also expect M&As. mortgages and investment services are expected to be strong. They have a combined network of over 53. with the private and foreign banks holding 18. takeovers. product range and reach-even though reach in rural India still remains a challenge for the private sector and foreign banks. The stated policy of the Bank on the Indian Rupee is to manage volatility but without any fixed exchange rate-and this has mostly been true.

In 1959 the State Bank of India Act was passed and this paved the way for creating the state bank group. however. They now account for more than 80 percent of the entire banking business. In view of this necessity the State Bank was requird to function as a development agency beside performing the tradition function of commercial bank.BANKING STRUCTURE The commercial banking system in India now consists of public sector scheduled bank and private sector scheduled as well as non-scheduled banks. AS A Whole India now has a far more developed and integrated banking system than at the time of independence. The nineteen nationalized bank had 32612 offices all over the country. Amongst the public sector bank the State bank of India and Associated had 13. 1955.454 branches as on June 30. Among th factor which guided the establish of the state Bank of India are main consideration was that the country should have a big commercial bank committed to national purpose and should take banking to the countryside even if initially it was not a commercially viaale proposition. Their number was 196 on June 30 . In recent year In order to meet the credit requirement of the weaker section small and marginal farmer. landless laborers. State Bank of . Now State Bank of Hyderabad. 2002. In term of business the public sector bank now have a dominant position.431 as on June 30. the regional rural banks have been set upon different part of the country. artisans and the small entrepreneurs. remain very much less important than the tradional commercial banks.2002 and their branches numbered 14485. In term of business they. Its 92 percent share were aquired by the RBI. and thus it has the distinction of becoming the first state owned commercial bnk in the country . The state Bank of India and Its Associate Banks: On the recommendation of the rural Credit survry committrr the imperial Bank of India was converted into the state bank of India on July 1. The foreign scheduled banks operate mostly in big cities and their number of branches in the whole country is just 5. 2002. State Bank of Bikaner.

agency approach of rural debit. The grip of money lenders remained right in the country side and rural indebtedness was widespread . State Bank of Patiala. After nationalized of 14 banks there was rapid expansion of branch network. The working group of rural Bank (Chairman : M. For Example. 1980 six more private owned commercial bank were nationalized . The purpose as nit has been stated by the government. the nationalized banks could not do much to solve the problem of rural indebtedness. This step though not unprecedented in the history of Indian banking had changed government on the banking that the major banks could not be any more allowed to remain captive organization of the big business. Each one of these fourteen banks had deposits of Rs. The banking system in this period become an instrument of development . These banks have been set up under an Act of 1976. There fore new type banking institution called Regional Rural Banks was conceived. The lead Bnak Scheme formulated in December 1969 played a significant role in transforming these profit maximizing institution of yester year into catalyst of local development .Narasimham) recommended the setting up of these bank as a part of multi. 1969.jaipur. . a fundamental shift in their approach was witnessed in the post independence phase. State Bank of Indore. was” to control the height of the ecnomy to meet progressively and serve better the need of the development of the economy and to promote welfare of the people in conformity. OTHER NATIONALISED BANKS : A second category of public sector bank is of nineteen commercial banks of which fourteen were nationalized on July 19. State Bank of Saurastra and State Bank of Tranvancore constitue the State Bank Group. Hence. Regional Rural Banks: The nationalization of 14 major bank through successful in many respect failed to solve all problem of rural . On April 15. Their policies should be inspired by the larger social purpose and be in according with the national priorities and objective. 50 Crore or more.

In terms of branches and also the business done by them . OTHER SCHEDULED COMMERCIAL BANKs : Now relatively small scheduled commercial bank and ten newly established banks with a network of 5. setting up of new private sector bank is being encouraged. Assistances is also given in the form of managerial personnel. 90% banks have been opened in the rural area and unbanked centres. These private sector banks (both old and new) account for less than 15% of both bank deposits and aggregate advances. As on June 30. old private sector bank are much smaller than both nationalized banks and foreign and thus their role in the financial system of the country is just marginal Recently having realized that over the year competitive efficiency has suffered in the banking sector.A Regional rural bank is sponsored by a public sector bank which also subscribed to its share capital. So for ten new private sector bank have been setup and in principal. . small and marginal farmer . in term of ownership are predominantly government undertaking. 2002 there were 196 regional rural banks with a network of 14485 branches in the country. landless labouers artisans and small enterprenerues. three more proposal for setting up banking in private sector have been approved. The regional rural banks though operating as a subsidiary of one or the public sector bank. Yhe regional rural banks meet the credit requirement of weaker section.431 branches are operating in the private sector bank .

LIST OF IN INDIA 1. Foreign banks . Central bank Reserve Bank of India 2. Nationalized banks Allahabad Bank · Andhra Bank · Bank of Baroda · Bank of India · Bank of Maharashtra · Canara Bank · Central Bank of India · Corporation Bank · Dena Bank · Indian Bank · Indian Overseas Bank · Oriental Bank of Commerce · Punjab & Sind Bank · Punjab National Bank · Syndicate Bank · Union Bank of India · United Bank of India · UCO Bank · Vijaya Bank · IDBI Bank 3. Development Credit Bank · Dhanalakshmi Bank · Federal Bank · Ganesh Bank of Kurundwad ·HDFC Bank · ICICI Bank · IndusInd Bank · ING Vysya Bank · Jammu & Kashmir Bank · Karnataka Bank Limited · Karur Vysya Bank · Kotak Mahindra Bank · Lakshmi Vilas Bank · Nainital Bank · Ratnakar Bank · SBI Commercial and International Bank · South Indian Bank · Amazing Mercantile Bank · YES Bank 4. State Bank Group State Bank of India · State Bank of Bikaner & Jaipur · State Bank of Hyderabad · State Bank of Indore · State Bank of Mysore · State Bank of Patiala · State Bank of Saurashtra · State Bank of Travancore Private banks Axis Bank · Bank of Rajasthan · Bharat Overseas Bank · Catholic Syrian Bank · Centurion Bank of Punjab · City Union Bank · 4.

ABN AMRO · Barclays Bank · Citibank · HSBC · Standard Chartered · Deutsche Bank Regional Rural banks South Malabar Gramin Bank · North Malabar Gramin Bank · Pragathi Gramin Bank · Shreyas Gramin Bank 5. Financial Services Real Time Gross Settlement(RTGS) · National Electronic Fund Transfer (NEFT) · Structured Financial Messaging System (SFMS) · CashTree · Cashnet · Automated Teller Machine (ATM) .

mostly Europeans shareholders The first Indian bank to open a branch outside India in London in 1946 and the first to open a branch in continental Europe at Paris in 1974 The oldest Public Sector Bank in India having branches all over India and serving the customers for the last 132 years The first Indian commercial bank which was wholly owned and The Federal Bank Limited Imperial Bank of India Bank of India. the biggest. offering the widest possible range of domestic. founded in 1906 in Mumbai Allahabad Bank Central Bank of Bank Punjab National Bank South Indian Bank .FACT FILE OF BANK IN INDIA The first. The first bank in India to be given an ISO Certification Canara Bank The first bank in Northern India to get ISO 9002 certification for their Punjab and Sind selected branches The first Indian bank to have been started solely with Indian capital The first among the private sector banks in Kerala to become a scheduled bank in 1946 under the RBI Act India's oldest. international and NRI products State Bank of India and services. the oldest. the largest. largest and most successful commercial bank. get all such types of informations about Banking in India in this section. through its vast network in India and overseas India's second largest private sector bank and is now the largest scheduled commercial bank in India Bank which started as private shareholders banks.

It became the first Indian bank to open a branch outside India in London in 1946 and the first to open a branch in continental Europe at Paris in 1974.managed by Indians India Bank of India was founded in 1906 in Mumbai. AMALGAMATION .PUBLIC NOTICE .

total business whereof will exceed Rs 6. the said Baroda Uttar Pradesh Gramin Bank. 2.Regional Offices and Branches. 4. Kanpur Rural. 3. Shahjahanpur and Pilibhit with Head Office at Raebareli.400 crores. Raebareli. as sponsor bank of 1) Baroda Eastern Uttar Pradesh Gramin Bank and 2) Baroda Western Uttar Pradesh Gramin Bank. Bareilly. Faizabad. Fatehpur. referred to as Regional Rural Banks (RRBs). will be having total 655 branches and will be operating in 13 districts of Uttar Pradesh i. With the bigger size and expanded coverage the amalgamated and reconstituted Baroda Uttar Pradesh Gramin Bank will have the benefit of economies of scale to serve its customers in a cost effective manner with optimum utilization of financial & non financial resources through diversified business portfolio and increased mobility of staff. By the Notification dated 31.1. the Baroda Uttar Pradesh Gramin Bank will have a 3 tier structure with Head Office. Amalgamation of -2.2008. Pratapgarh. . 1976. Upon such amalgamation. in consultation with the National Bank for Agriculture and Rural Development (NABARD). Government of India. has in public interest and in the interest of development of the area served by the aforesaid Regional Rural Banks and also in the interest of the said Regional Rural Banks themselves notified amalgamation of the said two Regional Rural Banks into a single Regional Rural Bank with effect from the date of publication of the said notification in the official Gazette of the Government of India. Accordingly the said two Regional Rural Banks stand amalgamated into a single Regional Rural Bank which shall be called as Baroda Uttar Pradesh Gramin Bank. Government of Uttar Pradesh and Bank of Baroda. Kaushambi. Allahabad.03.e. Kanpur Urban. in the exercise of powers under sub-section (1) of Section 23 (A) of the Regional Rural Banks Act. Sultanpur. 5.-7.RRBs sponsored by Bank of Baroda into one single larger RRB in the State of Uttar Pradesh. Ambedkar Nagar.

8. Depositors.6 . rights. privileges and obligations of whatever nature of any of the said -2RRBs to the said Baroda Uttar Pradesh Gramin Bank. All contracts. prosecuted or enforced by or against the said Baroda Uttar Pradesh Gramin Bank. the said notification shall be sufficient conveyance of the business. Further. deeds. registers. conveyance. any reference to any of the said -2. The notification also provides that not withstanding anything contained in the transfer of Property Act 1882 or Registration Act 1908. records and documents and all borrowings. powers. bonds. possession. A copy . guarantees. assets and liabilities. Borrowers and others concerned are therefore. grant of legal representation and other instruments subsisting shall be in full force and effect against or in favour of the said Baroda Uttar Pradesh Gramin Bank and may be enforced or acted upon fully and effectively as if in the place of any of the said -2. authorities and privileges and all properties . interest. the said Baroda Uttar Pradesh Gramin Bank has been a Party thereto or in favour of the said Baroda Uttar Pradesh Gramin Bank and any suit or proceedings in relation to any business of any of the said two RRBs pending by or against any of them. as are in ownership. power or control of the said two RRBs and all books of accounts . agreements. properties.From the said effective date of amalgamation the said two RRBs shall cease to exist carry on business and these undertakings including all their assets rights. not discontinued or in any way would not be prejudicially affected by reason of such transfer and amalgamation and may be continued. power of attorney. 7. the same shall not abate. contract. requested to note the consequential changes and constitution of the Baroda Uttar Pradesh Gramin Bank. reserve funds . powers . movables and immovables. liabilities and obligations of whatever nature shall be transferred to and shall vest in the said Baroda Uttar Pradesh Gramin Bank.RRBs. investments and all other rights and interest in or arising out of such property. cash balances.RRBs in any agreement. assurance or powers of attorney or any other document shall be deemed to be a reference to the said Baroda Uttar Pradesh Gramin Bank.

VARMA) General Manager Bank of Baroda. (UP). Counters .2008 to be published in part II – section.K.of the notification of 31.2008 Network of 539 branches and 8 Ext.sub section (ii) of the Gazette of India. Civil Lines. Extra ordinary is available with the transferee Bank viz “Baroda Uttar Pradesh Gramin Bank” having its Head Office at A-1. (Dr. Baroda Corporate Centre.3. Raebareli – 229 001. Mumbai Date: 31. V.03.03.

40 Semi Urban Branches 3. Allahabad 7. Kanpur urban 9. Raibareli 2.Sultanpur 3. 478 Rural Branches 2. 14 Urban Branches 4. 07 Metro Branches CITY 1.BRANCH 1. Pratapgarh 4. Fatehpur 8. Faizabad 6. Kaushambi .

Ambedkarnagr PRODUCT AND SERVICE .5 Kanpur Rural 10.

3. Baroda Gramin Bank Savings Deposit Scheme Liquidity of fund Regular Growth of money 2. Baroda Gramin Bank Recurring Deposit Scheme Regular saving every month. . of withdrawals in a day Banking convenience to business. All the schemes are customer friendly and offer a great value to your money. Any no. Higher returns on savings.Baroda Eastern Uttar Pradesh Gramin Bank has very attractive deposit schemes for all sections of the society. Baroda Gramin Bank Current Deposit Scheme Liquidity of funds. 1.

Flexibility of choice for deposit amount Higher income.Period ranging from 6 months to 120 months. General FDR and Regular Income-cum-Recurring Deposit Scheme. Loan facility. . Period ranging from 15 days to 10 years. Premature payment allowed. 4. Interest compounded at quarterly rest. Interest compounded at quarterly rest.5% additional interest to senior citizens. Premature payment allowed. 5. Baroda Gramin Bank Fixed Deposit Scheme Attractive rate of interest Parking of surplus fund for a certain period to fetch maximum return. Suitable investment schemes such as Monthly/Quarterly Income Plan. Loan facility. 0. Baroda Gramin Bank Yatha Shakti Jama Yojna Regular saving every month.

Personal Loan Schemes 3. Retail Lending Schemes 5. Other Schemes under Priority Sector . 1. Schemes under MSME sector 4. Agriculture Finance Schemes 2.Baroda Eastern Uttar Pradesh Gramin Bank has several credit schemes under various sectors for the customers from all walks of life with special schemes for the rural people.

Kisan Credit Card (KCC) 2. Setting up of Kisan Sewa Kendra 8. Deep Boring Scheme 4. Pisci culture 6. Purchase of Old Tractors 10. 1. Vermi Compost (Kisan Khad Yojna) 7. Goattery/Sheep Breeding . Farm Machanisation 3.AGRICULTURAL FINANCE SCHEMES Agriculture being the backbone of the Indian Economy. Land Purchase scheme 11. Dairy Development 5. is contributing significantly in accelerating the pace of rural development by providing finance to farmers by way of following agriculture products. Baroda Eastern Uttar Pradesh Gramin Bank. Kisan Over draft Scheme 9.

Construction/Expansion/modernisation/Renovation of Rural Godown/Cold storage . medicine etc. covering sinking of wells/bore wells. purchase of quality inputs. Development of irrigation facilities. unforeseen family expenses (consumption) and maintenance of non-farm activities.g. fertilisers etc. Poultry 13. KCC provide hasselfree adequate and timely financial support to farmers for their production needs e. for land owners or permanent tenants or lease holders or share croppers. Purchase of agricultural implements including indigenous improved ones being utilised for field operations including harvesting/sorting/grading. and supply of agriculture machinery/ irrigation system. farming expenses towards farm maintenance. for farmers. transporting of water through field channels..12.business centre (ACABC) 15. Krishi Samagri Vyavsayi Yojna Kisan Credit Card (KCC). Production credit for raising various crops from the point of preparatory tillage till harvesting. Two Wheeler Scheme for Farmers 14 Agriclinics & Agri. lifting of water by installation of pump sets.Empowering the farmer: The KCC facility designed exclusively for the benefit of the farmers aims to provide them the opportunity to manage and utilise their funds in the manner they deem fit. Extending working capital needs to dealers / distributors/traders of agricultural inputs like seeds. Setting up of Agri clinic and Agribusiness centre by agriculture graduates. live stock inputs like cattle feed. water saving system like drip irrigation/sprinkler irrigation etc.

. and which covers both long term and short term requirement.Development of horticulture including production. vegetables. by individual farmers. organisation like co-operative societies etc. plantation and flowers. which cover from nursery to the point of market. firms. processing and marketing of various fruits. can be financed for purchase of farm implements irrigation pair of bullocks etc. Financing Scheduled Caste & Scheduled tribes.

Additional monitory assistance for any eligible purpose. . Key Benefit The loans and advances offered by Baroda Eastern Uttar Pradesh Gramin Bank for MSME can be used for the basic needs of: • • • • • Acquisition of factory. Meeting working capital requirements. Small & Medium Enterprise An enterprise the one which is engaged in the manufacture. Temporary additional assistance for meeting the urgent needs of raw material. testing equipment. like raw materials. Purchase of plant and machinery including lab equipment. mining or quarrying or custom service unit.SME Finance Micro. processing or preservation of goods or is a servicing and repair workshop undertaking repairs of machinery used for production. stock-inprogress. land and construction of building space. etc. finished goods etc.

20 lacs for buying/constructing your dream house Flexible 20 years loan repayment period .The Home Loans offering fromBaroda Eastern Uttar Pradesh Gramin Bank essentially provides for finance in relation to the purchase/construction of a new house. purchase of a plot.Housing Loans Your own home Baroda Eastern Uttar Pradesh Gramin Bank invites you to be a proud owner of your own home and offers easy Housing Loan with a number of conveniences to suit your budget. Extension & Renovation of house financing of an old house. Key Benefits- • • • • • Wide range of requirements addressed Ready-for-occupation property Under-construction property You can avail upto Rs.

Yet other expenses and plans in life take priority and the dream of owning a car takes a back seat. Low interest rates .AUTO LOAN In today's fast paced world. a vehicle is but a necessity. Whether as a comfortable and dependable means of transport or as a status symbol in society. 2 lacs for second hand car. Repayment period as long as 5 years ( 60 EMIs) (For agriculturists .in half yearly instalments). Loans available up to Rs 5 Lakhs for any new car make/model. Key Benefits: • • • • • Loan facility is available for Agriculturist and Non-agriculturist customers. Loans can be availed upto Rs. we believe you deserve ownership of a vehicle.

RETAIL LOAN .

A wide range of solutions for your financial needs.

Baroda Eastern Uttar Pradesh Gramin Bank offers a wide range of retail loans to meet your diverse needs. Whether the need is for a new house, child's education, purchase of a new car or home appliances, our unique and need specific loans will enable you to convert your dreams to realities.
Key Schemes

Saral Vyapar Yojna

This Trader Loan facility enables Individuals, Proprietorships, bodies such as Partnership firms and Coop societies to avail of working capital or undertake development of shop by way of loan/overdraft.

Loan against Securities You can avail loan for productive purpose or for meeting contingency needs of personal nature through schemes mentioned here:

Loan Against National Savings Certificates (NSC) / Kisan Vikas Patra (KVP)

LABOD

Baroda Eastern Uttar Pradesh Gramin Bank provides loan for all non-specific needs against your deposit with us

Housing Loan

Baroda Eastern Uttar Pradesh Gramin Bank invites you to be a proud owner of your own home and offers easy Housing Loan with a number of conveniences to suit your budget.The Home Loans offering fromBaroda Eastern Uttar Pradesh Gramin Bank essentially provides for finance in relation to the extension / purchase of a new house, financing of an old house, purchase of a plot, Renovation / Repairing of house.

Two Wheeler Loan

Two-Wheeler Loan make it possible to purchase a twowheeler and pay back in easy monthly instalments, thereby reducing the burden of a one-time payment.

Car Loan

In today's fast paced world, a vehicle is but a necessity. Yet

INTERST RATE

ON DEPOSIT AND ADVANCE

Interest Rates on Term Deposit
w.e.f. 01.09.2007

S. No.

Maturity Range

Rates from 01.06.07 to Revised Rate of Interest w.e.f. 31.08.07 4.50 % p.a. 5.00 % p.a. 5.00 % p.a. 6.00 % p.a. 7.00 % p.a. 9.50 % p.a. 9.50 % p.a. 9.50 % p.a. 8.00 % p.a. 8.00 % p.a. 8.50 % p.a. 01.09.2007 4.50 % p.a. 5.00 % p.a. 5.00 % p.a. 6.00 % p.a. 7.00 % p.a. 9.00 % p.a. 8.50 % p.a. 8.50 % p.a. 8.00 % p.a. 8.00 % p.a. 8.25 % p.a.

01. 15 days to 45 days 02. 46 days to 60 days 03. 61 days to 90 days 04. 91 days to 180 days 05. 181 days to less than 1 year 06. 1 year to less than 2 years 07. 2 years to less than 3 years 08. 3 years & upto 5 years 09. Above 5 years to less than 7 years 10. 7 years & above but less than 8½ years 11. 8½ years to upto 10 years

The above rates shall be applicable on all domestic term deposit accounts opened or renewed on or after 01.09.2 The additional incentive given on rate of interest to Senior Citizens shall continue at existing rate i.e. 0.50%. The above rates will be compounded on quarterly rest for the deposits held for the period above 181 days. Tax at source be deducted as per norms applicable.

Interest Rates on Advances

. 2.50% Interest Rate -% BPLR difference 10.50% Below 2. A.00..000/1.. >Rs...00.000/3.000/...00% 13....) Up to Rs.000/.) Up to Rs. Rs.to 3.. Other Priority Sector ...25% Below 0..) Effective Interest Rate – BPLR 12....001/...000/2.00% Below 2.50% Below 2.. 50.00..00% 13.. Rs.25% 11....No.00% Below 2... Rs.. Self Help Group/SGSY/Group Loan ..000/Rs. 2.000/4..00.00... 50001/...00.50% 13. 50..00.000/Rs..001/....000/. Rs..00. 50001/.25% Below 2..25% 12. 2.50% Up to Rs.. 2....00% 13....50% Above 0.. Rs.00.. Small & Medium Enterprises (MSME) 1.to 5.. 1.50% Above 1.25% 10... 50001/. Up to Rs. Advance/Sector/ Scheme Direct Agriculture (Production Credit) Up to Rs...00....25% Below 0..00..000/4.50% 13..to Rs. 50.00.50% Above 1.. 3.000/2. 5..50% Above 0.000/>Rs.. 5.00.25% Below 0...25% 12... Micro.00% 13.00% 10.00.00% 10.25% 11.000/Rs...50% 12..and above D.. Indirect Agriculture (... 1. 5....25% 12... 5.. 50. 3.to 5. 50001/.. 4.. 2.00% Above 0.S... 2.and above E.to Rs. 5. B...000/3....per Capita) F..50% . 2.000/4. >Rs. 1. >Rs.. 2.. 2...00......000/2....) (Rs.25% Below 1. 50.25% Below 1...00...... 5.to Rs.to Rs.000/..to Rs.00.. 50000/. 10.00% 13. . 1.001/.and above C...00% Above 0. 2.000/..001/.and above Agriculture Investment Credit (...to Rs.to 5...50% Above 1. 50001/..50% Above 0.000/3...00% 10.000/Rs..00..50% Below 2..00.. 2..00% 13.

.

SERVICE CHARGE SECTION –I Sr. DEPOSITS AND ALLIED SERVICES 12. No.36% AREA OF BANKING SERVICE REVISED SERVICE CHARGES (FLOOR RATES) INCLUSIVE OF SERVI .

i.B..(Others A/c) Urban .per leaf fo 03 Cheque Book Issuance Charges NON MICR Cheque books...With Cheque Book ..for all centers .. bal. based on Av........ 1000/...(Individual A/c) ... a) Charges for issue of Duplicate Statement / Pass Book b) Issue of letter of required) Rs...01..................Rs.. 30/... A/cs ...500/.... 2000/......... Note : Ist cheque book me 04 Opening & minimum balances 1) Current A/c Rural -Rs.a...... Ledger folio charges Applicable to CA & CC.......... OD (Excluding loan against banks own deposits) Rs.......Rs.. 30 entries or part thereof to be t one ledger page.... Fre cheque books in a SB a/c will be on pro-rata basis......250/Urban ..... b) CA/CC/OD: one Cheque book ina year is free and subsequent cheque bo book of 50 leaves... Note: For accounts maintained on computers. Free folios Bal......... If debit exceed charge of Rs. 3000/= (Individual A/c) -Rs..(I A/c) Metro .................... 6/-per debit exceeding 15 is charged......500/- 2) Savings Bank Accounts 3) Pensioners and Scholarship Rs.. 2000/. 2/........ 7000/-(Other A/c) A/c) Rs.... 1000/.. (Rs..... For SB A/cs . ledger page Free folio allowed p... i) Rs....Rs.15 debits allowed free of cost in a year........................25 per leaf for MICR/ NON MICR cheque book..10... acknowledge-ment / duplicate i) For acknowledgement Rs......Without Chequ Rural . 5000 .....per ledger page or part thereof. 30/.. as follows : Current Accounts Av........... ii) Charges for previous e 02. 500/-(individualA/c) Rs.... Cr...e... 1000/..250/Semi-Urban ........ Cr...per pass book with latest balance only......... 55/TDR in case of loss of TDR a) In SB Account of individuals-40 leaves will be free in a financial year...... 30 entries or part thereof be one ledger page.) Upto 10000/-2 folio per half year Above 25000 NOTE: For a/cs maintained on computers..No folio charges Savings Bank Accounts No Frill S............500/........ 30/-ii) Duplicate TDR Rs...(Others A/c) S/U ...Rs. 20 cheque leaves fo months and/or part thereof... 2. Subsequent cheque book @ Rs........

10/-per quarter SU -Rs.per month Others .Rs.e. 15/. 25/-per month branch. 25/.Rs.per transaction ii) For Outside remittance Rs. 15/-per quarter Urban/Metro . Branches can open zero balance a/cs of such institutional employee 05 Charges for not maintaining minimum balance Uniform charges with cheque book & without cheque book facility Current A/c Rural -Rs. 25/.nations/ 06 Change in operational instructions (including Lockers) first nomination will be free i) With the Branch Rs. 07 Charges for standing instructions Rs. Exemption : i) Funds transfer through SI from SB/CA to R/D – free Charges for inability to carry 08 out standing instructions due to insufficient balance in the account Rs.per occasion.Rs.per occasion.per transaction + applicable remittance charges on which ST levied separately. .Exemptions :No minimum balance charges in SB a/cs to be recovered from Accounts institutional salary a/cs i.per quarter Savings Bank No frill S/B A/C (after one year) : If in a year minimum balance comes to R charges should be recovered otherwise charge be recovered as per above r Addition/ deletion of names in joint accounts/Nomi. 25/. not only institutions maintaining account with th but also of employees whose salary is paid through SB a/cs maintained wit salary is paid through us. Rural . 25/. 25/.

5. No charges to be recovered from drawee in case of outward ret cheques on account of stop payment instructions. 25/.S. In respect of inward clearing cheques returned unpaid due to fi reasons.+ Pos 11 Incidental charges for inoperative accounts A) Inoperative Savings Bank a/cs (Not intt. for the pe (others) bank was out of funds.30/- Charges for Stop Payment 09 CA/CC/OD . The intt. at BPLR+3% p. 50/.Rs. 2. -Rs. Rece 4. 75/. 200/Local Cheques: A) Cheque deposited & Returned Unpaid (Inward Return) Rs. 3. bearing a/c only) Rs. NOTE: 1. Brs.per instructions Per instrument) In instrument case of loss of complete blank Max.a. ceiling as per below : cheque book Savings Bank : Rs. 25/.(in respect of cheque returned for financial reasons) Rs. Outstation Cheques : 50% of collection charges subject to a minimum of Rs.per in 10 Charges for Cheque returned (irrespective of nature of reasons) unpaid B) Cheque Returned Charges (drawn on us) Outward Return - Rs. Charges to be recovered for both inward and outward clearing.B. is to be credited to P/L Intt. should also recover Intt. Branch Manager can double the said charges in cases where th of cheque return is high. inter Br. Clg. 2 other reasons. 25/- . charges to be reco from the drawer of the cheque. 100/Current Account: Rs. For transfer cheques received at the branch.

5/.Rs.per certificate(for individual) Rs. 50/Closure of A/c due to death of A/c holder .NIL iii) If the balance in the a/c is less than the charges to be debited.lacs-----Rs. 110/. 110/RD/any Recurring deposit scheme A/c .per half year . 35/. Cash Credit. B) for inoperative Current Account: Rs. at The request of customer Rs. 1600/- for issuance of above certificate to staff members for educational loan of th children . 75/.No Charges Upto Rs.& SU / Rural 13 Premature closure of A/cs (within a year) Current A/c .per certificate for others Ordinary / Cheque operated SB A/c .Rs. 500/- Above Rs. 100/.per lac a part thereof subject to maximum 15000/Note:- 14 Issue of Solvency Certificate For issuance of capacity certificate for obtaining VISA for educational purpo for Students .Rs.lacs-—--Rs. 15 Opening accounts with restrictive operations Current.is recovered Charges for issuance of 12 Balance Certificate.only 50% of the charges as mentioned above subject to max Rs. 5/.per half year No frill SB Accounts exeption . so entire amount be debited instead of complete charges. 10/. Over Draft Account Rs. 225/.No charges should be recovered.If a/c closed in a year service charge of Rs.Metro/Urban . 25/.i) Account maintaining stipulated minimum balance .

Over draft Account Rs.per debit exceeding 15 is charged. 18 SB account opened under ‘’No Frills’’ A/c Exemption: 3. 2.50 per Rs. 3.40/Above Rs. 100/. 350/. 1 Lac .no charge should be re Note : No Cheque book facility is allowed in this account.Rs. 2. 10/.-Rs.is recovered. 10000/.e.-Rs. 10/.and no service charges should be recovered Upto Rs.to 1000/. 1000/. 1000/.Rs... 100/.Rs. If in a year minimum balance comes to Rs. Cash Credit. If debits exceeds 15 a service ch 5/. 55/.per half year Allowing operations in an a/c through16 a) Power of Attorney b) Mandate Change of authorized 17 signatory including reconstitution of A/c Excluding Govt Account Current.Rs. 1000/-to 5000/. 100/.50 per 01 Collections of Outstation Cheques a) Through our bank's branches Rs.25/AboveRs. 15 debits allowed free of cost in a year. 55/.per half year 1. instruments Other bank charges plus our charges to be recov .or par subject to a minimum of Rs.to 1 Lac .per half year Savings Bank Accounts Rs. 5/Above Rs.and maximum of Rs. 100/-per change Current. Over Draft Accounts Rs. b) Direct through other banks i. 15/ Above Rs. 225/.or part thereof Above Rs. 5000/-to 10000/.Savings Bank Account Rs. Cash Credit. If account gets closed within a year a service charge of Rs. Scholarships / Pensioners / Widow Pension & others subsidies account shou opened for Rs.

Upto Rs.Rs. 100 to Rs.drawn at a centre where we have no branch mentioned above. those 6 private sector bank whose reserve were more Rs. 100/. togetherwith Regional Rural Bank. were nationalized. 200 crore each were nationalized. 14 large commercial bank whose reserve 50 Crore each. 04 05 Teachers Employed in Government Run Schools / Central Schools At par collection of salary bills NEED OF STUDY OR RESEARCH PROBLEM In India there 19 National bank present work.1000 . .. The other kind of commercial banks are private sector commercial Bank. On April 15 1980.Rs. 10/>Rs.No Postage > Rs. in July 19. 20/-per instrument In case sent by courier .Actual charges At par collection of cheques favouring the fund.. come under the category of public sector commercial Banks. 03 Donations to PM / CM's Relief Funds Free remittances favouring these funds. These nationalized banks. 1000/. 1969. Our charges to be recovered in full Note : for 1 & 2 postage per instrument to be re under : 02 Cheques collected through branch for another bank.

Pratapgarh.Faizabad. so that in respect to the employee the profit of the bank is very slow. Those people are deposit money all are farmer. So that the objective of the study to fulfill the customer requirement.Baroda Gramin bank is the subsidiary bank of the Bank of Baroda. Raibareli. Now there are some question which answer are needed in this study--1. Why people can not influence the rural bank? 3. so that the biggest problem faces by the bank in the rural are where these bank are located depositor not interested to deposit money in the bank.Sultanpur. Today there is lot of scheme in the public sector bank. But the problem is that depositor as well as loan waiver of the bank is also high percentage. Objective of the Study Today bank sector are growing sector in the Indian industry. So the problem is how the bank profit increase in which area where bank work hardly. Before 23-03-2006 there are 7 RRBs work in the Uttar Pradesh. In rural bank there are few depositors who have deposit money in the rural bank. Why brand are play important role in the banking sector? . These bank are all Keshetriya Gramin Bank in Seven District Allahbad. Kanpur. What is the reason behind to people move to the public or private sector commercial bank? 2.Kaushambi.

What type of service need by customer? 6. How the profits increase? 8. How can be increasing the productivity? 5. FINANCIAL ANALYSIS . What are the average of employee deposit and advances? 10. What is next year profit if the trends are same? 7. What the company is sound to pay long term loan are not? 11. What are effect of the loan waiver in the current compensation given by the government? 9. In which interest company pay interest to the customer? These are question which answer should be giver after proper analysis of the company financial record.4.

OF FINANCIAL STATEMENT .

921 .000 9.80.33.58.295 3.35.99.142 31-03-2006 70.000 .190 3.05.56.12.843 11.880 17.278 24.70.282 4.35.69.295 3.99.13.BALANCE SHEET Balance Sheet Liabilities Capital Share capital Deposit Deposit Borrowing Other liablities&Provision Total 31-03-2007 70.000 9.454 18.99.

00.40.142 2.57.906 1.31.691 90.914 55.26.088 3.236 11.33.76.420 .42.12.253 1.17.032 24.050 18.921 36.32.38.Assets Cash &Balance with RBI Balance with Bank Money All call& short Note Investment Advance Fixed Assets Other Total Contigent Liabilities Bill for Collection Significant Account Policies Note 1.710 1.130 1.03.442 1.750 2.783 58.35.94.42.92.83.921 4.69.678 13.13.58.

44.64.305 28.19.627 .000 Sr No.PROFIT AND LOSS ACCOUNT .63.05.12.511 28.322 2.027 13.715 1 2 26. From 01-04-2006 to 31-032007 Income Interest Earned Other Income Total Expenditure Interest Expended Operating Expences Provision Total 3 4 5 14.177 43.

912 1.878 The schedule reflects to about from as integrated part of the profit loss account. .225 2.32.137 9 (-) 12728 10 Transfer to Govt.04.P/L Appropriation Net Profit/Loss Profit/Loss Total Transfer to statuory fluctuation Reserve 6 7 8 50.81. proposal dividend Balance carried to Balance sheet Siginificant Account Note Acount 13 12 11 (-) 14531 2.

1.each.share of Rs. Nationalized Banks’ Capital which is fully owned by the central Government. (C) Subscribed Capital divided into -----.3 Other Bank shall indicate their capital under the following headings: (a) Authorized Capital divided into share of Rs.share of Rs. From this amount deduct unpaid call and add amount of forfeited share. (b) Issued Capital divided into ------.Bank incorporated out side India shall show their capital in following two heads: (a) The amount brought in by bank by way of start up capital as prescribed by RBI.each.each.each.2. ----. ----.Explanation of Various head of Balance Sheet 1. (b) The Amount of deposit kept with RBI under sec. . Capital: 1. (d) Called Up Capital divided into -------. 1.share of Rs. ----. 11(2) of the banking Regulation Act. 1. ----. 1949.

5 Balance of Profit and Loss Account. 5. . 1.1 Borrowing in India from Reserve Bank of India . 1. Deposit: Deposit include the following: 1.4 Revenue and Other Resources.3 Term Deposit. 1.2.2 Borrowing out side India It should also be included as to how much amount of borrowing is secured.2 Saving Bank deposit 1. Deposit of Branches in India and Branches outside India should be shown seperatly. 3.4 Other.3 Interest accrued. Borrowing: Following are including in it: 1.3 Share Premium. From other Bank and from other institution and agencies.1 Bill payable. 1. 1. 1.2 Capital Reserve. 1.1 Statutory Reserve which is calculated @ 20% on the net profit of each year. Reserve and Surplus: Following items are included under the head of Reserve and surplus: 1.under this heading provision for bed debt and taxation are included. Other Liabilities and provision : Following are including in it: 1. 4.2 Inter office adjustment 1.1 Demand Deposit 1.

3 Balance current account . 8. 1. Total of these should be equal to the total of advances as per first paragraph given above under the heading of advances. It should also be shown as to what amount of advance is secured by tangible asstes and covered by bank and government guarantees. 7.6.1 Government Securities.2 Balance with RBI – In current account in India.g Unit trust of India. overdraft and loan payable on demand and term loans. Cash and Balance with Bank RBI: Following are including in it: 1. .1 Balance with Bank in current account and other deposit account in India. 1. share. Investment: Following are including inside India: 1. Unsecured advance should show seperatly . cash creditor. Advances: Following are including in it: Bill purchased and discounted. 10. Subsidiaries and joint ventures abroad other investment which are to be specified. 1. othet approved securties. subsidiaries and joint ventures and other which should be specified e. debenture and Bond. in other deposit account and money at call and short notice out side India.2 Money at call and short notice with bank other institution. Fixed Assets: Fixed assets include premises less depreciation and other fixed assets like furniture and fixture are also included in theses assets and depreciation is deducted from them. Balance with Bank at money at call and short Notice: Following are including in it: 1.2 Following are including outside India: Government securities (including local authorities) . 1. 9.1 Cash in hand include foreign currency note.

Interest earned: Following are including incude in interest earned: Interst on Advance.discount on bill .advertisement and publicity. liablility on account of outstanding forward excnange contract . Rent . 12. Contigent Liabilities: Following are including in such liabilities: Claims against bank not acknowledge debts. and provision for employees.income on investment . Other Assets: Other assets include inter office adjustment (net).telegram. printing and stationary .11.exchange and brokerage .profit on sale of building and other assets less loss on sale of land. Interest Expanded: This include interest on deposit . postage . tax deducted from source . interest accrued .stationary and stamp. 16. profit on revaluation of investment less loss on revaluation of investment . law charge . Operating Expenses: Following are including in it : Payment to employees. Acceptance and endorsement and other obligation and other item for which bank is contigently. 14. Depreciation on bank’s property. the same may be show under this item. Auditor Fees and expenses including branch auditor’s . profit interchange transaction less loss on exchange truncation.profit on sale of investment less on sale of investment . Income earned by way of dividend etc. Directors’ fees allowance and expenses . nonbanking assets acquired in satisfaction of claims and other – if there in any unadjustment balance of loss . 15. Interest on RBI / Inter bank borrowing and other.interest on balances with RBI and other. 13.liability for prtly paid investment. telephone etc.tax paid in advance . Other Income: Following are including in other income: Commission . and lighting. . guarantees given on behalf of consituents in India and outside India. building and other assets .Taxes.

RATIO ANALYSIS .

a financial ratio can give a financial analyst an excellent picture of a company's situation and the trends that are developing.Financial Ratio Analysis Financial ratio analysis is the calculation and comparison of ratios which are derived from the information in a company's financial statements. . In context. however. Taking our example. In isolation. its operations and attractiveness as an investment. expressed in percentage terms. the "gross margin" is the gross profit from operations divided by the total sales or revenues of a company. If we also know that the historical trend is upwards. a gross profit margin for a company of 25% is meaningless by itself. A ratio gains utility by comparison to other data and standards. The level and historical trends of these ratios can be used to make inferences about a company's financial condition. this would also be a favourable sign that management is implementing effective business policies and strategies. we know that it is more profitable than its industry peers which is quite favourable. for example has been increasing steadily for the last few years. Financial ratios are calculated from one or more pieces of information from a company's financial statements. For example. If we know that this company's competitors have profit margins of 10%. a financial ratio is a useless piece of information.

Garbage Out!" A cross industry comparison of the leverage of stable utility companies and cyclical mining companies would be worse than useless. For example.Financial ratio analysis groups the ratios into categories which tell us about different facets of a company's finances and operations. Like computer programming. 1. An overview of some of the categories of ratios is given below. Credit analysts. Liquidity Ratios which give a picture of a company's short term financial situation or solvency. Using historical data independent of fundamental changes in a company's situation or prospects would predict very little about future trends. the historical ratios of a company that has undergone a merger or had a substantive change in its technology or market position would tell very little about the prospects for this company. Analysts will often differ drastically in their conclusions from the same ratio analysis. They pay great attention to liquidity and leverage ratios to ascertain a company's financial risk.. to determine the future profits that will accrue to the shareholder. financial ratio is governed by the GIGO law of "Garbage In. those interpreting the financial ratios from the prospects of a lender. practicing financial analysts often develop their own measures for particular industries and even individual companies. Liquidity Ratio include two ratio:- . It is imperative to note the importance of the proper context for ratio analysis. Equity analysts look more to the operational and profitability ratios. Although financial ratio analysis is well-developed and the actual ratios are well-known. Examining a cyclical company's profitability ratios over less than a full commodity or business cycle would fail to give an accurate long-term measure of profitability.. focus on the "downside" risk since they gain none of the upside from an improvement in operations.

152/41.92.454 = 2.87.691+90.51. at least.99.13. 2.50.155/30. Current Liabilities: Bank overdraft+ B/P + Creditor + Provision for Taxation + Proposed Dividend + Unclaimed Dividend + outstanding expense + Loan payable with in a year.17.162 .1 Current Ration or Working Ratio: This Ratio explain th relationship between current assets and current liabilities of a business.783/ 24.05.05.03. Current Assets: Cash in Hand + Cash at Bank+ B/R + Short term investment + Debtors + Stock + Raw Material + Prepaid Expenses. Formula : Current Ratio= Current Assets/Current Liabilities Current Year Ratio= 24.442+1.162 = 9. It mean that current assets of a business should .644 = 8.282 = 3.050+1.1.32.985/41.As such the quick ratio is Caluclulated as: Formula : Quick Ratio= Current Year Ratio= Liquid Assets/Current Liabilities 1. be twice of its current liabilities.80.94.42.3:1 Interpretation: This ratio is used to assess the firm’s ability to meet its short term liabilities on time .710+ 1.26.914/11.31.70.420+1.86.2 Quick Ratio or Acid Ratio : Quick Ratio indicate whether the firm is in a position to pay its current liabilities with in a month or immediately .880+17.09.94.35.38.5:1 Previous Year Ratio=18.86.40. According to accounting principal a current ratio of 2:1 is supposed to be ideal.130+1.52.

Hoe ever accumulated losses and fictitious assets remaining to be written off like preliminary expenses.82. These include Debenture . general reserve . Mortgage Loan Bank Loan . it is considered to be better . 2. underwriting commission.644 = 3. share issue expenses etc. .821/30.05.6:1 Liquick Assets = Current assets – Stok.08.1 Debt Equity Ratio : This ratio expresses the relationship between long term debts and share holders Fund . Debt Equity Ratio= Debt/ Equity or Long Term loan/ Share Holder Funds Long Term Loan= These refer to long term liabilities which mature after one year. Loan From Financial institution and public deposit. securities premium . The idea is that for every rupee of liquid assets. Solvency Ratios : which give a picture of a company's ability to generate cashflow and pay it financial obligations. 2.= 3. This ratio is calculated to ascertain the soundness of the long term financial policies of the firm. This ratio is a better test of the short term of the financeial position. Share Holder’s Funds = These include Equity share capital. Interpretation: An ideal quick ratio is used to be 1: 1 if it is more . Capital Reserve. It indiacate the proportion of the fund which are acquired by long term borrowing in comparison to shareholder funds. Preference share capital .6:1 Previous Year Ratio = 1. other Reserve and credit balance of profit and loss account .Prepaid expenses.

95.52:1 and previous year .27.equity ratio of 2: 1 is considere safe.71:1.45. debt.295+3. 2.080 Current Debt Equity Ratio= 24.12.2 Debt to Total Fund Ratio : This ratio is a variation of the debt equity ratio and gives the same indication as they debt equity ratio.960 .27.000 +9.45.85.454 Equity – 70.880 Equity – 70.52: 1 Debt of the Prvious Year = 11.000 +9.85.880/41.080 = 1.878= 16. If the equity is more that that it show a rather risky financial.70. generally.85.27.85.880+16.659 Previous Year Debt Equity Ratio = 11. so that previous year bank position is very sound in comparison to current year.71:1 Interpretation – This ratio is calculated to asses the ability of the firm to meet its long term liabilities.880/16.debt is expressed in relation to total fund. In ratio . The debt equity ratio tell me that debt portion more in the bank financial statement.99.454/16.080 = 24.04.295+3.225= 16.139+1.907+2.880/24.85.659 = .81. It is calculated as under: Debt to Total Fund Ratio = Debt/ Debt+Equity Current Year Ratio= 24.Debt of the Current Year = 24. i.e both equity and debt . In the Bank debt equity relation in current year 1.99.70.52.

960 = .42 Interpretation: This ratio should be not more than 67%.880+16. 27. 27.70. 45.080 = 16.= . 70. 85.080/24.113 .659/11. 70.16. the proportion of long term loans should not be more 67% of total fund.454+16. It is calculated as under.113 = . 12. 16. A higher ratio than this is generally treated an indicator of risky financial position from the long term point of view.454/11. But if we are comparison between both year than that previous year financial position is good. In the other word.60 Previous Year Ratio = 11.080/41.659 = 11. 27.454 = 16.45.70.454+11. Proprietary Ratio= Equity/ Debt+ Equity Current Year Ratio= 16.454/28.70. 45. In Both the year ratio is below 67% so that bank financial position is very sound. 2.40 Previous Year Ratio = 16.2 Proprietary Ratio: This ratio indicator the proportion of total fund provided by owner or shareholder.659/28.

3. The following are the important profitability ratio:(A) Gross profit Ratio (B) Net Profit Ratio (C) Operating Ratio (D) Return on Shareholder’s investment or R. The efficiency and the success of a business can be measured with the help of profitability ratio. Operational Ratios which use turnover measures to show how efficient a company is in its operations and use of assets.E . A higher proprietary ratio treated an indicator of the sound financial position from long term point of view. Profitability Ratios which use margin analysis and show the return on sales and capital employed. A business must earn adequate profit in relation to the capital invested in it.I (E) Return on Equity OR R. The main objective of the business to earn profit. The bank very sound position and it is less dependent on external source of fund. because it means that the firm is less dependent on external source of finance.= .O.58 Interpretation:. In other words.This ratio should be 33% or more than that.O. the proportion of shareholder funds to total funds should be 33% or more .

tax. It measure how efficiently the capital employed in the business is being used. Even the performance of two dissimilar firm may be compared with the help of the ratio. Since the profit available to equtty shareholder will be the profit left after payment of interest.Equity Share Capital + Preference Share Capital + All Reserve + P/L Balance + Long Tern Loans – Ficititous Assets ( such as preliminary expenses tec.Return On Shareholder’s Investment: The ratio reflect the overall profitibilty of the business .Profit before Interest.) – Nonoperating Assets like investment made outside the business.Since profit is the overall objective of a business enterprise. taxes and dividend on preference share capital. this ratio is a barometer of th overall performance of the enterprise. Return On Equity:.Equity shareholder of a company are more interested in knowing the earning capacity of their funds in the business. it is also a measure of the earning power of the net assets of the business. the ratio is computed as follows: Return On Equity:= Net Profit(After interest. it is also a measure of the earning power of the business is being used. In other words.and preference Dividened)/Equity shareholder’ funds*100 Equity shre holder funds= Equity share ccpital + All Reserve + P/L a/c Balance – Ficitious Assets( such as prlriminary Expenses ect) . In other word . Taxand dividends/Capital Employe*100 Capital Employd :. The ratio is computed as under:Return On Investment :. Interpretation:. As such this ratio measure the profitibilty of the fund belonging of the equity shareholder. It is calculated be comparing the profit earned and the capital employed to earn it. This ratio is usually in percentage and is also known as ‘Rate of Return ‘ OR ‘Return On capital Employed’ or ‘Yield on capital’ .

SWOT ANALYSIS .

had an opportunity to give my views and opinions about BARODA GRAMIN BANK UTTAR PRADESH through this project report.S – Strength W – Weakness O – Opportunity T. is really a tuff work and the officials and the departmental heads have well managed it. STRENGTHS: • A hard nut to crack: To manage such a big organization. . I therefore.Threat Strike the iron when it is hot It was a great experience for me to have the summer training in BARODA GRAMIN BANK UTTAR PRADESH To conclude my observation regarding BARODA GRAMIN BANK UTTAR PRADESH I had undertaken a topic to give a good report that is really beneficially for me. I have expressed this through a very important technique called SWOT analysis. Here are the findings and observation:- 1.

like subject Not only the top management and other officers but also the lower level employees are very cooperative. • NO pain. 2. WEAKNESS: • A little knowledge is dangerous than no knowledge: Some people working over here are not fully aware of the working of the organization and hence they always have to consult each other on even the smallest matters.• Like King. better than no bread: . energetic. little wool: The working here is to complex i. attending the customers daily. motivates them. • Half a loaf. which in return. get well: The employees working over here get a good degree of respect and appreciation for their effort. • Great cry. But net working capital is very less. taking care of customers problems. • DO good.e. and effective and dedicated for their work. no gain: The various department heads and the other officials are doing great efforts and hard work for the improvement of the organization and facing the competition.

OPPURTUNITIES: • A drowning man catches on a straw: It gets a good level of assistance from the superiors as well as other staff members when they try to provide some help in the matter which are not meant to be handled. • Every potter praises his pot: The people from head office are always on a routine visit to check the working so that they can do much better for more profits. by one own self. 3. which leads to loose sometimes and have proved to be one of the best bottlers of India. THREATS: • Rotten apples injure their companions: . • Rome was not built in one day: The organization is built with lots of efforts of all the concerned people and they always try to maintain its position. 4. which is better than nothing. • It is of no use to cry up on the split milk: They tend to learn from the past mistakes.Some people work in these organizations only because they are getting something in return in the form of salary.

.Some people are lethargic and due to lack of strict supervision. they sit as much as they can and do nothing. • Birds of a flower flock together The top management takes very less care about the employees development and work for their own facilities.

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