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It is mandatory to scan through the literature which has already gone through the proposed study subject. Various research works on lending practises of UBI has been very helpful in the successful conduct of the study. However all such studies concentrate on certain issues and suggest piecemeal solution. Therefore, a comprehensive study is elusive. The text and academics literature which helped the study in details are:

A Hand Book of Banking by N. S. Toor Ramman Finance management. Finance management and policies by James C. Van Horne. Management accounting principle and practises by R. K. Sharma. Accounting for managers S. P Jain and K.L. Narang. Research methodology by C.R. Kothari.

Business Research Methods by Appannaiah Reddy and Ramnath


The financial management of public units has been a grinding issue before the mobility of resources. Even after the findings and intensive industries in the sector face huge cash crush and in inadequacy in the mobility of resources. Even after the findings and recommendation of so many committee appointed by the government to enquire into the working capital issues of public sector units.

This refers to the method of data description. Descriptive research includes surveys and fact finding and enquire of different kinds. The major purpose of descriptive research is description of the state of affair as it exists at present. In business research we quite often use the term export facto research for descriptive research studies.

The main characteristics of this method is that the researcher has no control over the variable, he can only report what has happened or what is happening. The method of research utilised in descriptive research are survey methods of all kinds including comparative and correlation methods.


Data mainly collected from both primary and secondary sources. 1. PRIMARY DATA: Primary data are freshly gathered for a specific purpose or for a specific research project. Primary data was collected by way of discussion with company officials. Mainly with bank manager. It has colled through the interim schedule, discussion and by interacting with the officials of the organization or the respondents.


SECONDARY DATA: Secondary data that were collected through published materials like pamphlets, company books and from the official website that


Information has been collected on the basis of constant interaction with the Bank officials. Internet/ prominent search engines have been used for collecting the Data, market watch is also used to some extent for interpretation analysis. All data collected are carefully classified, tabulated for the purpose of research and interpreted on the basis of charts and tables.


1. Confined to one financial institution Bangalore City co-operative Bank ofIndia. 2. On account of time constraint whole spectrum of long term lending practises was not possible. 3. Inaccurate and inadequate information might have resulted to wrong interpretation. 4. Only a very few no. of respondent were interviewed to get the information. 5. Accounting information is another constraint.