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A PROJECT REPORT
ON
ANALYSIS OF THE LOANS AND ADVANCES
FOR
JIVAN COMMERCIAL CO-OPERATIVE BANK
-:SUBMITTED TO:-
MARWADI EDUCATION FOUNDATION GROUP OF
INSTITUTIONS

IN PARTIAL FULFILMENT OF REQUIREMENT OF THE AWARD FOR
THE DEGREE OF
MASTER OF BUSINESS ADMINISTRATION
UNDER
GUJARAT TECHNOLOGICAL UNIVERSITY

UNDER THE GUIDANCE OF

FACULTY GUIDE COMPANY GUIDE
PROF. ALAKNANDA MADHANI MR. ASHWIN DAVE
ASST. PROFESSOR MANAGER

SUBMITTED BY
NIKUNJ MATALIYA

ENROLMENT NO.
138260592029
MBA SEMESTER III



JULY 2014
DECLARATION


I undersigned Mr. NikunjMataliya student of Marwadi Education
Foundations Group of Institutions MBA program, 3
rd
Semester hereby
declare that the report for summer Project Report entitled ANALYSIS OF
THE LOANS & ADVANCES from 10
th
June 1014, to 15 July 2014. Is my
own work and has been carried out under the guidance of
Prof.Alaknandamadhani of MEFGI.
This work has not been previously submitted to any other
university for examination.


Place : Rajkot Signature
Date : NikunjMataliya





PREFACE

To work with the bank which is in project stage, is too different as
the infrastructure will not available as a result you have to work very
hard to get the work done, and a result you got the exact scenario of the
corporate work.

I consider myself lucky as we got the permission to work Jivan
Commercial Co-operative Bank have very interesting and good learning
experience for me as. I have taken in as a challenge.

This training provides an opportunity and platform to know the
current market situation and the behaviour of environment. Here one can
apply all the theoretical knowledge in to the real world, which helps to be
a successful manager.

For the preparation of this project, I feel deep sense of gratitude to
all the faculty members, staff member of the respective organization and
all the respondents for their cooperation and feedback.




ACKNOWLEDGMENT

We learn in management id Manage + Men + T (Time Task,
etc.). We all agree with this statement & wise to include that it would
have been not possible to complete this without help and support of
many people. We are thankful all of them.

First and foremost we are thankful to Ashwin G. Dave for giving au
this valuable opportunity to have our project at this bank. I think him to
taken been interest in my work, and guide me throughout my training.

For the final preparation I received expert guidance of my project
guide Prof.AlaknandaMadhani, without guidance, encouragement and
enthusiasm. It was difficult to bring this report to its present form.

Last but not least I am indebted to all my well-wishers, who provide
me their time, support, and inspiration needed to prepare this project.




INDEX
SR.NO PARTICULARS Page No
PART I GENERAL INFORMATION
1 INDUSTRY OVERVIEW
1.1 HISTORY
1.2 GROWTH AND DEVELOPMENT
1.3 PERFORMANCE AND OTHER
STATISTICAL DATA

1.4 MARKET PLAYERS IN THE
INDUSTRY

2 COMPANY OVERVIEW
2.1 HISTORY
2.2 GROWTH AND DEVELOPMENT
2.3 PRODUCT OVERVIEW
2.4 SWOT ANALYSIS
PART
II
RESEARCH WORK
3 INTRODUCTION OF STUDY
3.1 BACKGROUND OF THE STUDY
3.2 REVIEW OF LITERATURE
3.3 RESEARCH PROBLEM
3.4 OBJECTIVE OF THE STUDY
4 RESEARCH METHODOLOGY
4.1 RESEARCH DESIGN
4.2 SAMPLING METHOD
4.3 SAMPLING SIZE
4.4 SOURCING OF DATA
4.5 DATA COLLECTION METHOD
5 ANALYSIS AND INTERPRETATION OF
DATA

6 RESULTS AND FINDING
7 SUGGESTION AND CONCLUSION
8 LIMITATION OF STUDY
9 BIBLIOGRAPHY
ANNEXURE


























INDUSTRY OVERVIEW
HISTORY:
Banking in India originated in the first decade of 18
th
century with
the general bank of India Coming into existence in 1786 this was
followed by bank of Hindustan. Both were followed by bank of
Hindustan.
Both these banks are now defunct. The oldest bank in existence
in India is the state Bank of India being established as the bank of
Bengal in Calcutta in June 1806. A couple of decades later, foreign
banks like credit Lynnes started their Calcutta operations in the 1850 at
that point of time, Calcutta was the most active trading port, mainly due
to the trade of the British empire and due to which banking activity took
roots there and prospered. The first fully Indian owned bank was the
Allah bad bank, which was established in 1865.
By the 1900 the market expanded with the establishment of
banks such as Punjab national banks, in 1895 in Lahore and bank of
India in 1906 in Mumbai both of which were founded under private
ownership. The RBI formally took on the responsibility of regulating the
Indian banking sector from 1935 after India independence in 1947 the
RBI was nationalized and given border powers.




HISTORY OF CO-OPERATIVE BANKING
In 1904 the co-operative movement started in India with view to
provide finance to the agriculturist at a low rate of interest. The co-
operative society has to take the place of the money lenders & provide
cheap loan to the farmers for productive purposes. Even through many
types of co-operative societies have been started particularly for the
artisans & others, the most common from of such societies deal in rural
credits and today co-operative banks have started verities of services of
services with different technologies.
Co-operative banks in are registered under the co-operative
societies Act. The co-operative bank is also regulated by the RBI. They
are governed by the banking regulations Act 1949 and banking laws.

CO-OPERATIVE BANKS
Corporative banks, another component of the India banking
organization system originated in India with the enactment of the co-
operative credit. A new act of the year 1904 which provided for
increasing demand of co-operative credit. A new Act passed in 1912
which provided for the establishment of union of primary credit societies.
The chief function of these banks
o Attracting deposits from non agricultures
o Using access funds of some societies temporarily to make
up.







TYPES OF CO-OPERATIVE BANKS
They are mainly 3 types of co-operative banks in India.
(1) State co-operative banks
(2) Central co-operative banks
(3) Urban co-operative banks

STATE CO-OPERATIVE BANK
These banks are also known as apex bank & are registered under
co-operation societys act 1912. In fact these banks are established to
function as a leading cooperative financial institution of the state offer
co-operative societies should grow. The apex banks as they are called
to render financial help as & when the co-operative Societies are in need
of their help.

CENTRAL CO-OPERATIVE BANK
A direct-level of central co-operative banks is functioning as a
commercial bank &that tool as an independent unit. They are there in
order to strengthen the co-operative movement in the country.

URBAN CO-OPERATIVE BANK
Urban co-operative banks organized & established in towns on
the pattern of joint-stock bank but are established societies act 1912. For
funds, these banks depend on their own Sources. However central co-
operative banks are helping them in financial variable. They are in tune
with the government policies & program.




GROWTH AND DEVELOPMENT:
Banks are the financial backbone of any countrys economy.
Without a sound banking system a country cannot have a healthy
economy. A bank is a financial institution which deals with money and
credit. It accepts deposits from individuals, firms and companies at a
lower rate of interest and gives it at a higher rate of interest to those who
need them. The difference between the terms at which it borrows and
which it lends forms the source of profit, thus bank being a profit earning
institute. For the past three decades Indias banking system has several
outstanding achievements to its credit. The most striking is its extensive
reach to customers. It is no longer confined to only metropolitans or
cosmopolitans in India. In fact the Indian banking system has reached
even to the remote corners of the country. This is one of the main
reasons for the Indias growth process. The first bank in India though
conservative, was established in 1786. Form 1786 till today, the journey
of Indian banking system can be segregated into three distinct phase.
They are: PHASE 1:Early phase from 1786 to 1969 of Indian
banks. PHASE 2: Nationalization of Indian Banks and up to 1991 prior to
Indian banking sector reforms. PHASE 3: New phase of Indian banking
system with the advent of Indian banking and financial reforms after
1991.
The unleashing of products and services through the net has
galvanized players at all levels of the banking and financial institutions
market grid to look new at their existing portfolio offering.





Banking in India is highly fragmented with 30 banking units
contributing to almost 50% of the deposits and 60% of the advances.
The nationalized banks continue to dominate the Indian banking area.
Industry estimate indicate that out of 274 commercial banks operating in
India, 223 banks are in public sector and 51 are in private sector. The
private sector bank grid also includes 24 foreign banks that have started
their operations in India.




PERFORMANCE AND OTHER STATISTICAL DATA
Bank make available loan performance and other data that shed
light on loan performance at local levels. Loan performance is critical to
understanding the level of foreclosure risk in a community. Be aware
that the majority of the sources on this list charge a fee for access to
their data. Many nonprofits seek out partnerships with local Universities
and Think Tanks that may already have acquired the service for access
to the data.




MARKET PLAYERS IN THE INDUSTRY

Competition
State Bank of India - State Bank of India, a public sector bank, is
the largest bank in India. Besides personal and corporate banking,
SBI is also involved in NRI (Non Resident Indian) services through
its network in India and overseas. Its 11,000 branches and 5,600
automatic teller machines give it a reach throughout the length and
breadth of the country; its work force of 200,000 dwarfs all other
banks in India.
ICICI Bank ICICI Bank is India's largest private sector bank and
second largest overall in terms of assets. Together with its
subsidiaries, ICICI Bank offers a complete spectrum of financial
services and products ranging from commercial banking to
investment banking, mutual fund to insurance. The bank,
headquartered in Mumbai, has a network of about 1,400 branches
and 4,530 ATMs in India and a presence in 18 countries. ICICI
Bank is also the largest issuer of credit cards in India.
Punjab National bank - Punjab National Bank (PNB) is the
second largest government-owned commercial bank in India with
about 4,500 branches across 764 cities. This financial institution
offers services in personal and corporate banking, including
industrial, agricultural, and export finance, as well as international
banking. It competes with Indian Bank mostly in retail lending and
wholesale businesses.



HDFC Bank - Housing Development Finance Corporation Limited
Bank Limited or HDFC Bank is one of the largest private banks in
India.

The company competes with Indian Bank in each segment,
over a wide range of banking services covering commercialand
investment banking on the wholesale side and
transactional/branch banking on the retail side.

HDFC's Standard
Life Insurance company competes with ICICI's insurance
subsidiaries. Their mutual fund and asset management businesses
are also in direct tussle.
Canara Bank - is one of the oldest commercial bank in India which
has been in operations for over 100 years. The Bank is the third
largest public sector bank in terms of assets with a total asset base
of over Rs. 2,196.46 billion.

Among the nationalized banks, Canara
Bank holds the largest Automated Teller Machine (ATM) network
comprising over 2000 ATMs across India. As of March 2009, the
Bank had a total of 2,733 branches spread across all geographical
segments. All the branches of Canara Bank are enabled with Real
Time Gross Settlement (RTGS) and National Electronic Fund
Transfer (NEFT) transaction facilities, ensuring smooth and swift
money transfer across the country.















































HISOTRY:
Jivan commercial Co-operative bank is a lending Co-operative
Bank in Rajkot. Bank was established on 7 august 1972 with share
capital of Rs 78200 and membership of 1027 persons under the
leadership of Late Rajendrabhai Raya & Late HarsurbhaiRaval. Bank
has made tremendous & real progress under the leadership of former
chairman Late Rajendrabhai Raya.

Bank is successfully working for last 41 years. During past
Yearbank has played vital & leading role for the development of industry
business & economic of Rajkot city.

JIVAN BANK was the first bank that takes direct loan to
GUJARAT STATE CO-OPERATIVE BANK LTD.

Over the years the bank was able to develop as many as 5
branches including 5 in Rajkot and 1 in the nearby town of wakened,
with main branch in the center of the city. All of its branches have
experience from public because of the facility provide by city.

Being in service sector,with a vision of current & future trends,
bank has started automation and modernization way back in 2005 all the
branches was computerized.




BANK PROFILE
Name Jivan Commercial Co-operative Bank Ltd.
Registration Office Vittalay, Dhebar Road, Rajkot-360002
Registration no. 6101(18-04-1972)
Year of Establishment 7 August, 1972
Initial Share Capital 78,200/-
Current share capital 5,31,79,525/-
Initial member 1017
Current Member 24,949
Type of Bank Commercial Co-operative
Phone No. 0281-02240
Fax. No. 0281 2233 168
E-mail jivanbank@yahoo.co.in
Chairman Mr. BhagavanjibhaiParasana
Managing Director Mr. NarendreasinhJadeja













BOARD OF DIRECTORS
Chairman Shree BhagvanjibhaiParasan
Managing
Director
Shree NarendrabhaiJadeja
General
Manager
Shree Ashvinbhai Dave
Directors Shree RudradatbhaiRaval
Shree VasantbhaiKamdar
Shree RaieshbhaiParanasa
Shree HarkishanbhaiMazani
Shree NatavarlalKhakhkhar
Shree BabubhaiDabhi
Shree JaydevsinhJadeja
Shree NavinbhaiBarchha
Shree vajubhasajubhaZala
Shree Rarneshbhai Patel
Shree Sureshbhai Pathak


































Chairman
Vice. Chairman
Managing
Director
General
Manger
Main Branch Other Branch
Manager
Deputy
Manager
Assistant
Manager
Clerk
Manager
Assistant
Manager
Clerk
Peon




Mission

HALPING TO CREATE GREENER FUTURE.

The above slogan shows well performance and social
responsibility towered the society. For that they are taking care of those
garden developed by government never to thebank. They think that by
this way environment will be Elena and also the bank got the good name
in the area.

They are providing much facility as well as they are going to
starred ATM facility. They are having already 4 branches in Rajkot and
going to strand 2 new branches. One at sudhuvasvani road and another
is near to nana mahuacircl, shastrinagar area.

Vision:
To be the premier public sector bank of Gujrat aiming at growth
and profit with central focus on customer delight by means of improved
technology, excellence in services thus harnessing the potential for
growth in alignment with national policies and priorities in a planned
manner geared to meet all challenges of growth




FUTURE PLAN
JIVAN COMMERCIAL CO-OPARATIVE BANK wants to start new
branches in different district of Gujrat and if possible, may start at India
level also bank may also provided facility if possible, bank wants to
develop close relationship with individual and depositors. bank also
wants to develop maintain growth want more growth. Bank may provide
various types of new loan, students loan, NIR loan and many more
policies. Generally, bank mainly focuses on starting new branches in
various place of Gujarat.

















GROWTH AND DEVELOPMENT
Accounting is economic transaction which will be written in
statement. A proprietor as well as a partnership firm or any organization
has to make accounts of full year at the end their financial year for a
company to prepare profit and loss A/C and balance sheet every year.
Accounting to section 209 of the Indian companies Act, prescribes a
form in which a balance sheet has to be prepared. It also provides for
detailed requirement as to profit and loss A/C account can be made in
different ways. Different firm uses different practices.




21.5
22
22.5
23
23.5
24
24.5
yr 14-13 yr13-12 yr12-11
Chart Title
Series 1 Column1 Column2
1) RESERVE & SURPLUS:

Particular March 2013-14 March 2012-13
March 2011-12
Reserve
&surplus
24.20cr 23.43cr
22.7cr
.

Interpretation:-
In the March 11-12, Reserve& surplus is 22.70cr.
In the March 12-13,Reserve & surplus from 22.70 to 23.43
In the March 13-14 Reserve & surplus from 23.43 to 24.20.




2) DEPOSITS:-

Particular March 2013-14 March 2012-13
March 2011-12
Deposits 203.43cr 199.54cr
180.72cr




Interpretation:
In the march 11-12, the amount of deposit is 180.72cr.
In the march 12-13, the amount of deposit from 180.72cr to
199.54cr.
In the march 13-14, the amount of deposit from 199.54cr to
203.43cr.

165
170
175
180
185
190
195
200
205
210
yr 14-13 yr 13-12 yr 12-11
Chart Title
Series 1 Column1 Column2



0
10
20
30
40
50
60
YR14-13 YR13-12 YR12-11
Chart Title
Series 1 Column1 Column2
3) CASH:

Interpretation:
In the march 11-12, the amt of cash is 37.13cr.
In the march 112-13, the amt of cash from 37.13 to 51.21cr.
In the march 13-14, the amt of cash from51.21 to 45.65cr.



Particular March 2013-14 March 2012-13
March 2011-12
CASH 45.65cr 51.21cr
37.13cr



PRODUCT OVERVIEW
LOAN:
The term loanrefers to the amount borrowed by one person from
another. The amount is in the nature of loan and refers to the sum paid
to the borrower. Thus, from the point of view of bank, it is lending. Loan
may be regarded as credit granted where the money is distributed and
its recovery is made on a later date.

I. Housing loan
II. Business loan
III. Vehicle loan
IV. Personal loan
V. Professional loan
VI. Loan against NSC\KVP



ADVANCES:
Advances on the other hand, is a credit policy granted by the
bank. Banks grant advances largely for short term purpose, such as
purchase of goods traded in and meeting other short term trading
liabilities. There is a sense of debt in loans, whereas an advance is a
facility being availed of by the borrower. However, like loans, advances
are also to be repaid. Thus a credit facility repayable within one year
may be known as advances.



Secured advances
Land and building
Produce and goods
Documents of title to goods
Life insurance policies

Unsecured advances
Guarantees of another person







SERVICES

A) DEPOSITS:-

1) Current deposits
2) Fixed deposits
3) Saving deposits

B) CASH CREDIT:-
Cash credit is a form of advances to meet the demand of trade,
industry, agriculture and commerce. Operations in cash credit are
conducted similar to the overdraft.

1) Loan to small scale industry
2) Other

C) BANK OVERDRAFT:-
Under the overdraft facility, banks permits the customer to overdraw
his current account up to a certain limit. The borrower is allowed to draw
in excess of the amount he deposits by a specified amount.

D) ADVANCES:-

1) advances given for purchase of domestic appliances
2) advances given against gold ornaments
3) advances given against machinery
4) advances given against overdraft





E) DEPOSITS:-

In the banking sector there are very important role of deposit
accounts including the procedure of opening and operating bank
accounts.
Different kinds of deposits:
Current deposit
Saving deposit
Recurring deposit
Special saving account
Fixed deposit


F) LOCKER SYSTEM:-
Banks provides safe deposit vaults to public at selected branches.
Jivan Bank provides locker System to members for the security of gold
ornaments, important papers and other precious items.

The rent is charged as per the locker size:
For small size locker is Rs.350.
For medium size locker is Rs.500.
For big size locker is Rs.1000 are charged per month.




G) DEMAND DRAFT:-
A draft is written by a bank to other bank of branch of the bank. In it
an order is giving to pay the amount to person, whose name is indicated.
He has to fill up sleep for issuing the draft to which he wants to pay the
amount. As per the transaction bank is charging different amount of
commission for Demand Draft service.









SWOT ANALYSIS
STRENGTH
WEAKNESS
OPPORTUNITY
THREAT

STRENGTH:-
The jcc bank adopts the systematic approach.
Jcc bank having good competitive skills.
Jcc bank having good financial strength like, NET NPA is ZERO
Jcc bank is having good human resource available.
Jcc bank providing fast services.
Employees always ready to carry challenges.
Profitability and sound liquidity.
Strong brand equity

WEAKNESS:-
Jcc bank is weak updating of the web site.
Jcc bank has to follow rules and regulations of RBI
Bank is not available open market
operationforpurchaseorsellofshares.
Bank is having lack of proper marketing expertise.
Lower volume of advance due to their rate of interest.





OPPORTUNITY:-
Jcc bank can increase new customers by increasing its marketing
activity.
Bank can start its mobile banking.
Bank can start open market operation.
Bank is provide capture market segment.

THREAT:-
Bank facing high level of competition with other bank.
Changes in government policies and in rules and regulations
regarding bank can be disturbed in regular services of the bank.
Any wrong rumours against bank may put its existence in danger






























INTRODUCTION OF STUDY
Methodology includes a philosophically coherent collection of
theories, concept or ideas as they to a particular discipline or filed of
inquiry:
Methodology refers to methods rather it refers it to the rationale
and the philosophical assumption that underlie a particular study relative
to the scientific method. This is why scholarly literature often includes a
section on the methodology of the researchers. This section does more
than outline the researchs methods it might explain what the
researchers ontological or epistemological views are.
Another key usage for methodology does not refer to research or
the special analysis techniques. The often refers to anything and
everything that can be encapsulated for a discipline or a series of
processes, activities and tasks.
Research acknowledges the need for rigor, logic and coherence in
their methodologies, which are subject to peer review.
DEFINITION:
The manipulation of things, concept or symbols for purpose of
generalizing to extend, correct or verify knowledge, aids in constriction of
theory or in the practical of an act.





RESEARCH PROBLEM
WHAT IS RESEARCH PROBLEM?
Research forms a cycle. It starts with a problem and ends S a
solution to the problem. A research problem is the simulation that
causes the researcher to feel confused at ease. It is the determination of
problem are within a certain context involving the WHO or WHAT,
WHEN and the WHY of the problem situation.
IDENTIFICATION OF THE PROBLEM
The prospective researcher should think on what caused the need
to do the research. Research originates from a need that arises. A clear
distinction between the PROBLEM and the PURPOSE should be made.
The problem is the aspect the researcher worries about, thinks about,
and wants to find a solution for. The purpose is to solve the problem i.e.
find answers to the question. If there is no clear problem formulation, the
purpose and methods are meaningless.
The research problem should be stated in such a way that it would
lead to analytical thinking on the researcher with the aim of possible
concluding solution to the stated problem. Research problem can be
stated in the form of either questions or statements.
Problem face by JCC bank,
(1) Amount of loans is affected by consumers income.




RESEARCH OBJECTIVES
1) To study how the bank provide different loan
2) Compare and known which loan is better for customer
3) To know the different services provided by bank
4) To aware about the customer satisfaction for the particular service
taken from the JCC bank
























RESEARCH METHODOLOGY
RESEARCH DESIGN
The nature of our research design is descriptive in studies.
Descriptive research, also known as statistical research, describe
data about the population being studied.
Descriptive research is taken because it includes the knowing the
views of different independent financial advisor.
SAMPLING FRAME
In practical life, it is not possible to enumerate, investigate, and
estimate all items in any field inquiry. Therefore when the field of inquiry
is large, a complete enumeration of universe becomes difficult and
complicated.
Consequently, Researcher must prepare a sample plan for
selecting an opposite sample. In this research, sample was selected as
50 customer of JCCB.

POPULATION SIZE
Around 1000 in these the customer as well as employee of JCC is
counted which is part of these.




SAMPLE SIZE
This research is conducted by taking preference of 100 customer
of JCCB. It is convenience sampling because this questionnaire was
distributed randomly to all the customer.

SAMPLING METHOD
I have to use convenience sampling method to analysis of market
research and percentage of investment is dependent of loan taken or
independent of income level.


SOURCES OF DATA
I have collected the data from different sources which are given below.
Website
www.jccb.co.in
Books
Magazines




DATA COLLECTION METHOD
There are to main sources of data.
1. Primary Data
2. Secondary Data
Primary Data:-
The data, which is collected directly from the respondent to the
base of knowledge and belief of the research, is called primary data.
Primary data have been collected through discussions with
executives and staff of the Bank.
Secondary Data:-
When the data is collected and compiled from the published nature
or any others primary data is called secondary data.
So far as our research is concerned, we have not collected any
information form any sources. So, we have not used secondary data for
our research.
































Analysis and interpretation of Data
Q.1
TYPE OF OCCUPATION NO. OF CUSTOMER
Businessman 27
Employee 42
Profession 19
Retired person 12
Total 100



Interpretation:
The highest occupation of loan borrowers is employees. 42
employees are taken a loan JCCB. Then 27 Businessman, 19
Professional persons are taken a loan JCCB. The lowest loan taken are
retired person are 12.
0
5
10
15
20
25
30
35
40
45
Businessman Employee Profession Retired person
No. of Customer
No. of Customer



Q.2
TYPES OF LOAN NO. OF CUSTOMER
Industrial Loan 18
Consumption Loan 08
Building Loan 14
Gold Loan 20
Other Loan 40



Interpretation:
In the JCCB, 18 borrowers are taken industrial loan, 08 borrowers
are taken consumption loan, 14 borrowers are taken building loan, 20
borrowers are taken gold loan, and 40 borrowers are taken other loan.

Industrial Loan
Consumption
Loan
Building Loan Gold Loan Other Loan
No. of Customer 18 8 14 20 40
18
8
14
20
40
0
5
10
15
20
25
30
35
40
45
No. of Customer
No. of Customer



Q.3
AGE GROUP OF CUSTOMER NO. OF CUSTOMER
18-35 year 35
35-60 year 55
60-90 year 10
Total 100



Interpretation:
The highest are group of loan borrower is, 35-60 year age group
55 people are included under this age group. Then 35 people are
included under 18-35 year age group the lowest 10 people are included
under 60-90 year age group.

35
55
10
No. of Customer
18-35 year
35-60 year
60-90 year



Q.4
INCOME LEVEL OF CUSTOMER NO. OF CUSTOMER
Up to 2 lakhs 23
Between 2 to 5 lakhs 44
Between 5 to 10 lakhs 21
More than 10 lakhs 12
Total 100



Interpretation:
The highest income level of loan borrowers is, between 2 to 5
lakhs. 44 people are included under these. Then 23 borrowers are taken
up to 2 lakhs, 21 borrowers are taken between 5 to 10 lakhs loans. The
lowest, 12 borrowers are taken a loan of Rs. More than 10 lakhs.

0
5
10
15
20
25
30
35
40
45
50
Up to 2 lakhs Between 2 to 5 lakhs Between 5 to 10 lakhs More than 10 lakhs
No. of customer
No. of customer



Q.5
BEHAVIOUR NO. OF CUSTOMER
Excellence 36
Good 23
Adequate 14
Average 17
Unsatisfactory 10
Total 100




Interpretation:
36 staff members behaviour are Excellence, 23 staff members
behaviour are good, 14 staff members behaviour are adequate, 17 staff
members are Average, and 10 staff members are unsatisfactory.

0
5
10
15
20
25
30
35
40
Excellence Good Adequate Average Unsatisfactory
No. of customer
No. of customer



Q.6
TIME PERIOD OF LOAN NO. OF CUSTOMER
1 to 3 year 33
3 to 8 year 18
8 to 15 year 21
15 to 25 year 28
Total 100



Interpretation:
The highest 33 loan borrowers are taken loan for 1 to 3 year, 18
borrowers are taken loan for 3 to 8 year, 21 borrowers are taken loan for
8 to 15 year, and 28 borrowers are taken loan for 15 to 25 year.
0
5
10
15
20
25
30
35
1 to 3 year 3 to 8 year 8 to 15 year 15 to 25 year
No. of customer
No. of customer



Q.7
BANK NAME NO. OF CUSTOMER
ICICI 8
HDFC 20
AXIS 8
BOB 15
ANOTHER LOAN 11
NO ANOTHER LOAN 38
TOTAL 100


Interpretation:
The loan borrowers of JCCB are also taken loan from rival bank, 8
borrowers taken loan from ICICI bank, 20 borrowers are taken loan from
HDFC bank, 8 borrowers are taken loan from AXIS bank, 15 borrowers
are taken loan from BOB, 11 borrowers are taken loan from another
bank, 38 borrowers are taken loan only from JCC bank.

8%
20%
8%
15% 11%
38%
No. of Customer
ICICI HDFC AXIS BOB ANOTHER LOAN NO ANOTHER LOAN



Q.8
QUALIFICATION OF CUSTOMER NO. OF CUSTOMER
Up to HSC 37
Up to graduation 32
Up to post graduation 19
More than post-graduation 12
Total 100



Interpretation:
In JCC banks 37 customer study up to HSC, 32 Customer study
up to graduation, 19 customer study up to post graduation, and 12
customers study more than post-graduation.

0
5
10
15
20
25
30
35
40
Up to HSC Up to graduation Up to post graduation More than post-
graduation
No. of Customer
No. of Customer



Q.9
EXTENT LEVEL NO. OF CUSTOMER
Less than 1,00,000 12
Between 1,00,000 to 5,00,000 31
Between 5,00,000 to
10,00,000
38
More than 10,00,000 19
Total 100


Interpretation:
In JCCB, 38 borrowers are having maximum extent to take loan
between 5 to 10 lakhs, 31 borrowers are having maximum extent to take
loan between 1 to 5 lakhs, 19 borrowers are having maximum extent to
take loan more than 10 lakhs , and 12 borrowers are having maximum
extent to take less than 1 lakhs.


0
5
10
15
20
25
30
35
40
Less than 1,00,000 Between 1,00,000 to
5,00,000
Between 5,00,000 to
10,00,000
More than 10,00,000
No. of Customer
No. of Customer



FINDINGS

1) I have visited JCCB over there, I took interview of various
customers on the basis of that.
2) I found those customers who are more preferring or favoring
personal loan because it is easily available.
3) Customer are satisfied with service & other banking facility
provided so they are ready to deal but then also the bank is
working in very sound condition in every situation.
4) The duration between loans taken is long term because the people
of rural areas have either irregular sources of income or they take
the loan for occasions only.















SUGGESTION

1) The bank should introduce advances technology for banking
and should give attention to manpower time to time.
2) The bank should take steps to forecast the changing financial
need of customer of different type of group and banking
accordingly.
3) The bank should focus on advances.
4) The bank should put together all it hard work to bring more
responsiveness and awareness to customers.
5) The bank should give loan more to small and middle class
people.
6) The bank should make more advertisement for publicity of
activity of bank.













CONCLUSION

This is the ending stage of this research report. From this financial
research work, I came to know about a lot of new things which can be
very useful me at present and also in future.

After having all the required information for preparing my report, I
have tried to analyse each and every function of JCCB.















LIMITATIONS

1) Many times of customers are not ready to give information to the
researcher.
2) Sometimes time gap make research irrelevant.
3) If there is manipulation of data by preparing financial report then it
will be showing unrelated and invalid data.
4) Lack of advanced scientific techniques for analysis and
interpretation.

















BIBLIOGRAPHY

1) Bank annual report
2011-12
2012-13
2013-14

2) Magazines published by JCCB


3) Modern banking- Theory and practice
Authors: D.MURALEEDHARAN
Publisher: PHI learning pvt ltd.

4) Research methodology- Methods and techniques
Author: C.R.KOTHARI

Publisher: New age international pvt ltd.