A

PROJECT REPORT ON
“ COMPARATIVE STUDY OF GOLD LOAN”
With special reference to
“THE KUMBHI KASARI SAHAKARI BANK LTD.,KUDITRE ”
Submitted To
“SHIVAJI UNIVERSITY,KOLHAPUR.”
In Partial Fulfillment Of The Degree Of
“MASTER OF BUSINESS ADMINISTRATION”
Submitted by
MR.KHOT VISHWAJEET JAGNNATH
Under the guidance of
PROF. DR. SWATI M. PATIL
(MBA, Ph.D )
THROUGH DIRECTOR

D.Y.PATIL TECHNICAL CAMPUS

FACULTY OF ENGINEERING & FACULTY OF MANAGEMENT
TALSANDE, KOLHAPUR.
 Introduction
Develop a habit of saving among the farmers, to provide
loans to needy people and to improve the standard of living
by encouraging their economic development, our respected
Late D. C. Narakesaheb and their following associate
promoters had established Kumbhi Kasari Sahakari Bank Ltd.,
Kuditre on 23.07.1976 at Kumbhi Kasari Sahakari Sugar
Factory site at Kuditre
Initially Kumbhi Kasari Sahakari Bank had beed started in a
small room in front of Kumbhi Kasari Sahakari Sugar Factory.
But now Bank has Six branches and one Head Office. The
Bank had obtained permission from Reserve Bank of India on
27/10/1998.
At initial stage Bank had Nominal share capital but now Bank
has 12,106 shareholders and 7 Crores 60 Lakhs own fund.
.
 Introduction to Gold Loan
A gold loan is a loan which is secured against gold ornaments. A
borrower pledges their gold ornaments with the lender in exchange
for funds. Therefore, it is a loan which is granted against a certain
physical security of gold.
As the name suggests this is the loan given against gold. Many
nationalized banks, private banks and other financial companies offer
this loan at attractive rates. Many go for this loan for short period to
meet the requirement of their children’s education, marriage and
other financial problems in the family. And others think that instead
of keeping the gold idle at home or locker, loan against gold is the
best option. Moreover with the rise in gold rates the demand from
companies and banks offering such loans has raised. For instance,
Muthoot Finance, one of the leading gold loan companies has seen
24 percent rises in gold loan against 17 percent raise in the market
value of gold.   
 Objectives of the study
– To study Gold loan of Kumbhi Kasari sahakari Bank,
Ltd.
– To study Gold loan of kumbhi kasari sahakari
bank,Ltd.
– To compare the Gold loan of SBI with kumbhi
kasari sahakari Bank,Ltd.
– To study interest rate structure for Gold Loan
offered by SBI. and kumbhi kasari sahakari bank Ltd.
•  
 LIMITATIONS OF THE STUDY
• Limitation of study are as follows :
•  
– Bank does not provide full information .

– Reliability of the sources could be limitation for

the project.
 Research methodology
• Data collection methods
1. Primary data –
Data collection by a researcher is known as primary data.
2. It is collected for the first time.
3. It is original and more reliable.
*interaction with bank manager.

*Observation Method:
• Observation method is one of the most commonly used method
especially in studies related a behavioral sciences. All the observation are
not authentic. Observations become a scientific tool and method of data
collection for the researcher when it serves formulated research purpose
ifs systematically planned, recorded and is subjected to check and controls
on validity and reliability.
*Survey Method:
 
Surveys provide an important source of basic
scientific knowledge.
  *Sampling Unit:-

Since this Project is one study of Gold loan in SBI & kumbhi kasari
sahakari Bank,ltd. Katol So the Following person was taken as sample
Unit and were interviewed

Branch Manager

Gold Loan Executive

Local Executive

Customers
2) SECONDARY DATA:-
The secondary data will be collected
from the following documents.

a. Technical Journal and Trade Journals

b. Books, Magazines and Newspapers.

c. Published records and Statistics.

 
 Chapter scheme
1. Introduction to the study
2. Profile of the organization
3. Theoretical background
4. Data analysis and interpretation of
data
5. Findings suggestions and conclusion
Thank You...!!!