RESEARCH PROJECT REPORT

ON
STUDY OF LOAN MANAGEMENT WITH SPECIAL EMPHASIS IN PUNJAB & SIND
BANK OF BANKING SECTOR LOCATED AT KARNAL

SUBMITTED FOR THE PARTIAL FULFILLMENT OF THE DEGREE OF

MASTER OF BUSINESS ADMINISTRATION
of
PUNJAB TECHNICAL UNIVERSITY
By
NAVNEET KAUR
1440536
MBA III SEMESTER
UNDER THE SUPERVISION OF
Mrs. Jasminal Kaur

Chandigarh Business School, Landran, Mohali

2014-2016

CONTENTS

Chapter:1.. Introduction (Industry Profile)

Historical evolution,
Growth rate
Players in industry
Key challenges
Chapter:2..Company profile
History
Products
Organization structure
Chapter:3 Research Methodology
3.1. Literature Review
3.2. Need of study
3.3. Objectives of study
3.4. Research Design
(a) Population
(b) Sample
(c) Sample Size
(d) Sampling Technique
(e) Sampling Unit
(f) Data collection
(g) Scope of study
(h) Technique of analysis
3.5. Limitations of the study
Chapter: 4. Data Analysis & Interpretation
Chapter:5. Findings & Conclusions
Chapter: 6. Recommendations

Bibliography
Appendix
Questionnaire

CERTIFICATE OF SUPERVISOR

This is to certify that Ms. Navneet Kaur Roll No. 1440536 has completed the research project titled A study
of loan management with special emphasis in Punjab & Sind Bank under my supervision in partial
fulfillment of the MASTER OF BUSINESS ADMINISTRATION degree of MBA universitys name
PUNJAB TECHNICAL UNIVERSITY.

Supervisors signature:
Supervisors name:
Supervisors Designation:
Date:
Place:

DECLARATION

I, hereby declare that the research project report titled A STUDY OF LOANS MANAGEMENT WITH
SPECIAL EMPHASIS ON PUNJAB AND SIND BANK is my own original research work and this report has
not been submitted to any University/Institute for the award of any professional degree or diploma.

NAVNEET KAUR
MBA (III)
Chandigarh Business School
Date:
Place:

ACKNOWLEDGEMENT

I express my sincere gratitude to Mr. Mukhtiyar Singh (Senior Manager of Punjab & Sind Bank, Ramba) for
providing me an opportunity to work on this project. I am very grateful for their constant support and guidance
throughout the duration of the entire project. I express my sincere thanks to Dr. Satinderpal Singh and our
present summer internship coordinator Mrs. Jasminal Kaur for their guidance and support. I also express my
thanks to my friends and family for their encouragement and guidance. Lastly, I thank my parents, family
members and friends for their constant support in my endeavor.

Navneet Kaur

ABSTRACT

Research word in management is extremely important as it gives a close and depth view of real life business
issues. For the student pursuing any professional course like business studies who is striving to perform
outstanding it is paramount importance that apart from theoretical knowledge one must also gain practical
knowledge.
The main objective of project report is familiarization with the necessary theoretical inputs and to gain
sufficient practical exposure to establish a distant linkage between the conceptual knowledge acquired at the
college and practicing those concepts.
The project report is concerned with the Study Of Loan Management With Special Emphasis provided by
Punjab & Sind Bank at Ramba ( Karnal). During my tenure of project, I studied the various developments tools
and deeply analyzed the functions.
My objective is to learn about the various schemes which are being implemented by Punjab & Sind
Bank. I had also surveyed various respondents to know their view and suggestions.

CHAPTER 1
INTRODUCTION ( Industry Profile)

HISTORICAL EVALUATION:
INDIAN BANKING SECTOR
Banking in India has its origin as early as the Vedic period. It is believed that the transition from money
lending to banking must have occurred even before Manu, the great Hindu Jurist, who has devoted a section
of his work to deposits and advances and laid down rules relating to rates of interest. During the Mogul period,
the indigenous bankers played a very important role in lending money and financing foreign trade and
commerce. During the days of the East India Company, it was the turn of the agency houses to carry on the
banking business. The General Bank of India was the first Joint Stock Bank to be established in the year 1786.
The others which followed were the Bank of Hindustan and the Bengal Bank. The Bank of Hindustan is
th

reported to have continued till 1906 while the other two failed in the meantime. In the first half of the 19
century the East India Company established three banks;
1. Bank of Bengal in 1809
2. Bank of Bombay in 1840, and
3. Bank of Madras in 1843.

These three banks also known as Presidency Banks were independent units and functioned well. These three
th

banks were amalgamated in 1920 and a new bank The Imperial Bank of India was established on 27

January

1921. With the passing of the State Bank of India Act in 1955 the undertaking of the Imperial Bank of India
was taken over by the newly constituted State Bank of India. The Reserve Bank which is the Central Bank
was created in 1935 by passing Reserve Bank of India Act, 1934. In the wake of the Swadeshi Movement, a
number of banks with Indian management were established in the country namely :Punjab National Bank Ltd,
Bank of India Ltd, Canara Bank Ltd, Indian Bank Ltd, Bank of Baroda Ltd, T he Central Bank of India
th
Ltd. On July 19, 1969, 14 major banks of the country were nationalised and in 15 April 1980 six more
Commercial Private Sector Banks were also taken over by government.

The INDIAN BANKING INDUSTRY

The origin of the Indian banking industry may be traced to the establishment of the Bank of Bengal in
Calcutta (now Kolkata) in 1786. Since then, the industry has witnessed substantial growth and radical changes.
As of March 2002, the Indian banking industry consisted of 97 Commercial Banks, 196 Regional Rural Banks,
52 Scheduled Urban Co-operative Banks, and 16 Scheduled State Co-operative Banks. The growth of the
banking industry in India may be studied in terms of two broad phases: Pre Independence (1786-1947), and
Post Independence (1947 till date). The post independence phase may be further divided into three sub-phases:

Pre-Nationalisation Period (1947-1969)

Post-Nationalisation Period (1969-1991)

Post-Liberalisation Period (1991- till date)

The two watershed events in the post independence phase are the nationalisation of banks (1969) and the
initiation of the economic reforms (1991). This section focuses on the evolution of the banking industry in
India post-liberalization.

Banking Sector Reforms - Post- Liberalisation

In 1991, the Government of India (GOI) set up a committee under the chairmanship of Mr.
Narasimaham to make an assessment of the banking sector. The report of this committee contained
recommendations that formed the basis of the reforms initiated in 1991.
The banking sector reforms had the following objectives:
1. Improving the macroeconomic policy framework within which banks operate;
2. Introducing prudential norms;
3. Improving the financial health and competitive position of banks;
4. Building the financial infrastructure relating to supervision, audit technology and legal
framework; and
5. Improving the level of managerial competence and quality of human resources.

GROWTH RATE

Growth in relation to a banking organization relates to increase in the business over a period of time. Year to
year growth is calculated and targets are fixed to evaluate the performance and standing of the bank in relation
to industry, in relation to competitors, in relation to branch. Growth means the increase in advances and deposits
of a bank in current year in comparison to previous year, Growth also means the increase in revenue profits,
earning of the Bank in comparison to previous year. It also evaluates the increase in business per employee of
the bank in comparison to the previous year. Operating profits, net profits, earning per share, dividend per share,
return on capital employed, return on equity. Interest coverage ratios are the other yardsticks to measure the
growth of a business entity over a period of time. Profit maximization and wealth maximization are the ultimate
goals of an organization because it leads to the growth of the organization to a large extent. As regards Growth,
it can be studied from various angles like in terms of sales, net profit, reserve and surplus, earning per share,
internal growth & sustainable growth. As a matter of fact, the desired growth rate and the debt financing both
are interrelated. The higher the growth rate, the greater would be the need for external financing if other things
remaining the same or vice-versa. Balanced Debt equity mix and its relationship with growth may better be
studied in terms of net assets growth, fixed assets growth, net profit growth, revenue growth, reserves & surplus
growth and earnings per share growth.

MANAGEMENT PUNJAB & SIND BANK

Name

Designation

Jatinderbir Singh

Chairman & Managing Director

S R Mehar

Director

Mahesh Kumar Gupta

Director

Anita Karnavar

Director

Sukhen Pal Babuta

Director

Mukesh Kumar Jain

Executive Director

Pradipta K Jena

Director

Sanjay Verma

Director

M S Sarang

Director

KEY CHALLENGES
Cyber crime
Effecting cultural change
More stress testing
Dealing with heightened regulatory scrutiny
Facing another economic downturn

CHAPTER 2
INTRODUCTION (company Profile)
PUNJAB & SIND BANK

INTRODUCTION
Punjab & Sind Bank (P&SB) is a government-owned bank (79.62%), with headquarters in New Delhi. Of its
1466 branches spread throughout India, 623 branches are in Punjab state. Its net profit is Rs. 121.35 crores and
net NPA is 3.55% for the year ending 2014-15. The banks operating profit for the year ending 2014-15 is 775.45
crores. Total business of the bank was 1,51,511 crores for the year ending 2014-15 and Business per employee is
15.95 crore. The net worth of the bank as on 31.03.15 is Rs. 4812 crore.

HISTORY
It was in the year 1908, when a humble idea to uplift the poorest of poor of the land culminated in the birth of
Punjab & Sind Bank with the far-sighted vision of luminaries like Bhai Vir Singh, Sir Sunder Singh Majitha and
Sardar Tarlochan Singh. They enjoyed the highest respect with the people of Punjab.
The bank was founded on the principle of social commitment to help the weaker section of the society in their
economic endeavours to raise their standard of life. Decades have gone by, even today Punjab & Sind Bank
stands committed to honor the social commitments of the founding fathers.
On 15 April 1980 Punjab & Sind Bank was among six banks that the Government of India nationalized in the
second wave of nationalizations. (The first wave had been in 1969 when the government nationalized the top 14
banks.)
In the 1960s Punjab & Sind Bank established a branch in London. In 1991 Bank of Baroda acquired Punjab &
Sind Bank's London branch at the behest of the Reserve Bank of India following Punjab & Sind's involvement
in the Sethia fraud in 1987.
Since 2004 Punjab & Sind has shown growth of over 40% year on year, and its recent IPO was oversubscribed
by more than 50 times. Recently the bank crossed a mark of Rs 1 lac crore in business.
Setluj Gramin Bank is a Regional Rural Bank sponsored by Punjab & Sind Bank.
CORPORATE VISION OF THE BANK:

To emerge as a techno savvy vibrant Public Sector Bank with Pan India presence aspiring to meet expectations
of all stake holders

THE MISSION STATEMENT OF THE BANK:

To provide excellent customer service through innovative products and services for different segments of
customers using state of the art technology.
To dedicate ourselves wholeheartedly for Sarva Jana Hitai Sarva Jana Sukhai

FINANCIAL PERFORMANCE

# Particulars

FY 2014-15 FY 2013-14

A Deposits (' INR crores)

86,714.71

84,730.16

B Advances (' INR crores)

64,796.42

57,857.74

1,51,511

1,42,588

97,753.40

94,509.15

E Operating Profit (' INR crores)

775.45

800.54

F Net Profit(' INR crores)

121.35

300.63

15.95

15.31

H Net Interest Margin (NIM) (%)

1.80

1.88

I Return on assets (%)

0.13

0.35 Delivery Channel Based Products of Bank

J Gross NPAs (%)

4.76

4.41

Debit Card

K Net NPAs (%)

3.55

3.35

ATM

L Total Branches

1456

1330

Internet Banking

M Total ATM's

1268

1008

Mobile Banking

Total Business (A+B) (' INR

crores)

D Total Assets (' INR crores)

G Business/Employee (' INR crores)

SMS Banking

2.3ORGANISATION STRUCTURE

PRODUCTS:

TOPIC OF RESEARCH
LOAN
In finance, a loan is a debt provided by one entity (organization or individual) to another entity at an interest
rate, and evidenced by which specifies, among other things, the principal amount, interest rate, and date of
repayment. A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and
the borrower.
In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender,
and is obligated to pay back or repay an equal amount of money to the lender at a later time.
The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the
lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract,

which can also place the borrower under additional restrictions known as loan covenants. Although this article
focuses on monetary loans, in practice any material object might be lent.
Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing
of debt contracts such as bonds is a typical source of funding.

PUNJAB & SIND BANK PROVIDING THESE LOAN SCHEMES

Punjab and Sind Bank loans have been innovatively designed to meet a variety of needs of the customers. All
the loan products launched by Punjab and Sind Bank boast attractive interest rates and convenient repayment
terms to fit the budgets of the borrowers. Given below are the different types of loan programs and advances
offered by Punjab and Sind Bank:
Priority Sector Advances
The priority sector advances offered by Punjab and Sind Bank can be categorized into the following types:

P&SB Policy for financing of Small and Medium Enterprises (SMEs)

P&SB Kisan Credit Card Schemes

P&SB Scheme for financing of old tractors

P&SB tractor finance and tractor welfare fund scheme

P&SB scheme for financing farmers for buying land for agricultural purpose

P&SB drip irrigation scheme

P&SB scheme for financing of commission agents/aahrtias

P&SB scheme for financing of two wheelers to farmers

Scheme for financing Self Help Groups (SHGS)

P&SB scheme for financing of combine harvesters

P&SB scheme for financing handicapped loan assistance scheme for agricultural operations

P&SB Kheti Udyog Khazana Yojana (KUKY)

P&SB Scheme for eco-hatchery for carp seed production and extension services

P&SB Scheme for vermi - compositing unit

P&SB Scheme for plant protection service centre

P&SB Scheme for soil water quality and inputs testing laboratory services centre

P&SB Scheme for agro service centre - agricultural machinery/equipments and primary processing

P&SB Scheme for horticulture clinic and business centre

P&SB Scheme for private veterinary clinic with small dairy unit

P&SB Scheme for agro service centre-farm machinery

P&SB Scheme for private veterinary clinic with retail outlet for feed & medicine

P&SB Scheme for private artificial insemination centre

Housing Loan
Housing loan schemes from Punjab and Sind Bank are ideal financing options for purchasing plots,
construction/purchase of properties and other purposes.
Conveyance financing
Conveyance financing schemes of Punjab and Sind Bank are meant for purchasing automobiles under the most
suitable terms and conditions. You can use it for purchasing either a new or old car.
Consumer loans
Consumer loans from Punjab and Sind Bank help you finance purchase of consumer durables.
Personal loans
Personal loans offered by Punjab and Sind Bank are good financing options to fulfill any valid financial need
such as healthcare costs, wedding expenses, higher education, household needs or a holiday trip.
Education loans
Education finance schemes offered by Punjab and Sind Bank are perfectly designed to finance higher
educational programs for students in India and abroad.
Other loans
Besides the abovementioned loans, Punjab and Sind Bank also offers some other types of loan programs which
include the following:

P&SB scheme for eating joints

P&SB loan scheme for skill enhancement and education of construction workers

P&SB artisan credit card (ACC) scheme

P&SB special scheme for insurance agents

P&SB Diamond Krishi Card

P&SB Udyogini Scheme

P&SB scheme for working capital requirement for Retail traders

P&S Bank special scheme for loan against rent receivables

P&S Bank special scheme for doctors

I select two loan in which I study that is following.

EDUCATION LOAN

HOUSING LOAN

EDUCATION LOAN

Objective of the scheme: The educational loan scheme aims at providing financial support from the banking
system to deserving and meritorious students for pursuing higher education in India and abroad. The main
emphasis is that every meritorious student though poor is provided with an opportunity to pursue education with
the financial support from the banking system with affordable terms and conditions. No deserving student is
denied an opportunity to pursue higher education for want of financial support.

PROCEDURE

Eligibility

A)

For Vocational Education:

Vocational/Skill development courses of duration from 2 months to 3 years run or

supported by:
A ministry/Department//Organization of the Government or a
company/society/organization supported by National Skill Development Corporation or
State Skill Mission/State Skill Corporations, preferably leading to a
certificate/diploma/degree etc. issued by the Govt. Organization or an organization
recognized/authorized by the government to do so. State Level Bankers Committee
(SLBC) may add other skill development courses/programmes,having good
employability.
B)

For Higher Studies in India and Abroad:

(a)

Studies in India: (Indicative list)

Approved courses leading to graduate/ post graduate degree and P G diplomas

conducted by recognized colleges/ universities recognized by UGC/ Govt./ AICTE/
AIBMS/ ICMR etc.

Courses like ICWA, CA, CFA etc.

Courses conducted by IIMs, IITs, IISc, XLRI. NIFT,NID etc.

Regular Degree/Diploma courses like Aeronautical, pilot training, shipping,

nursing or any other discipline, approved by Director General of Civil
Aviation/Shipping/Indian Nursing Council or any other regulatory body as the case
may be, if the course is pursued in India.

Approved courses offered in India by reputed foreign universities.

Note: The above list is indicative in nature. Courses other than the above offered by
reputed institutions may also be considered on the basis of employability.
(b)

Studies abroad:
Graduation : For job oriented professional/ technical courses offered by
reputed universities

Post graduation: MCA, MBA, MS, etc.

Courses conducted by CIMA- London, CPA in USA etc.


Degree/diploma courses like aeronautical, pilot training, shipping etc
provided these are recognized by competent regulatory bodies in India/abroad for
the purpose of employment in India/abroad.

Quantum of
Finance

Margin

A)

For vocational Education:

For Courses of duration upto 3 months

Rs. 20,000/-

For Courses of duration 3 to 6 months

Rs. 50,000/-

For Courses of duration 6 months to 1 year

: Rs. 75,000/-

For Courses of duration above 1 year

B)

For Higher Education in India and Abroad

Studies in India

Studies Abroad

Upto Rs. 4 lakhs

Nil (including vocational studies)

Above Rs. 4 lakhs

Studies in India

5%

Studies in Abroad

15%

Rs. 1,50,000/-

: Maximum upto Rs. 10 lakhs.

: Maximum upto Rs. 20 lakhs.

A)
Processing fee

For vocational Education: Nil

B)
For Higher Education in India and Abroad: Nil. However, for students studying
abroad, refundable security of Rs. 2000/- in lieu of processing fee, in Saving account, to
be kept under reserve.

A)

In case of vocational education: No Security( Parents to be joint borrower)

B)

In case of Higher Education in India & Abroad

Upto Rs. 4 lakhs: NO Security( Parents to be joint borrowers).
Above Rs. 4 lakhs and upto Rs. 7.5 lakhs

Security

i) Parents to be joint borrower

ii) Collateral security in the form of suitable third party guarantee
Above Rs. 7.5 lakhs
i) Parent(s) to be joint borrower(s)
ii) Tangible collateral security of suitable value acceptable to bank, along with the
assignment of future income of the student for payment of installments

a)

For Vocational Courses:

Loans upto Rs. 50,000/-

:Upto 2 years

Loans between Rs. 50,000/- to Rs. 1.00 lac : 2 to 5 years

Loans above Rs. 1.00 lac

: 3 to 7 years

Repayment
b)

For Education loan scheme for pursuing Higher Education in India & Abroad:

For loans upto Rs. 7.5 lakhs

: upto 10 years

For loans above Rs. 7.5 lakhs

: upto 15 years

INTEREST RATE

a) For higher studies in India & abroad

Loan up to Rs.4 Lac
Category

Loan Above Rs.4 Lac & up to

Rs.10 Lac

Above Rs.10 Lac

General Public

BR (10.25%) +3.00%=
13.25%

BR (10.25%)+3.50%= 13.75%

BR (10.25%)+4.25%= 14.50%

Staff as CoBorrower

BR (10.25%)+2.00%= 12.25% BR (10.25%)+2.50%= 12.75%

BR (10.25%)+3.25%= 13.50%

Additional concession of 0.50% for girl students

Additional concession @1% to all borrowers on account of service of interest during moratorium period.
*All the concessions are subject to charging of minimum of base rate of the Bank.

b) For vocational Education

Category
General Public
Staff as Co-Borrower
Documents Required:

Rate of Interest (p.a.)

BR (10.00%) + 3.00% =
13.00%
BR (10.00%) + 2.00% =
12.00%

 Letter of admission
Completely filled in Loan Application Form
2 passport size photographs
Statement of cost of study
PAN Card of the student and Parent/ Guardian
AADHAR Card of the student and Parent/ Guardian
Proof of identity (Driving Licence/Passport/Aadhar/ any photo identity)
Proof of residence (Driving Licence/Passport/Electricity bill/Telephone bill)
Student/Co-borrower/ guarantors bank account statement for last 6 months
IT return/ IT assessment order, of previous 2 years of Parent/ Guardian/ other co-borrower (if IT Payee)
Brief statement of assets & liabilities of Parent/ Guardian/ other co-borrower
Proof of income (i.e. salary slips/ Form 16) Parent/ Guardian/ other co-borrower

HOUSING LOAN

A home loan is a secured loan wherein a bank or a financial

institution lends you money to help you purchase your dream home. It is generally given for a longer duration
compared to other loan types because the amount borrowed is usually higher and requires a longer repayment
plan.

PROCEDURE

For Construction/ Acquisition/ Purchase/ Extension/ Repair / Renovation

Purpose

Eligibility

Individuals, Group of individuals, and individual members of housing societies are eligible
under the scheme

Age

Minimum: 18 years Maximum: subject to maximum age for repayment period

Quantum of
Finance

i) For construction of house or purchase of house/ flat/ Plot: Need based finance, with no
Maximum limit
ii) For repairs / renovation / additions / alterations: Maximum Rs. 20.00 lac.

i) For Purchase of Plot only, offered / allotted by Govt. authorities and/ or Builders who
are Banks borrowers:
a) 25% of the Cost of plot up to a finance amount of Rs.100 lac upfront
b) 40% of the Cost of plot for the finance amount over and above Rs.100 lac upfront
ii) For Construction or for Purchase of Plot & Construction:

Margin

a)

For purchase of plot: 40% of the cost of land / plot upfront

b)

For construction:

10% of the value of construction, proportionate for loans up to Rs.

20 lacs

20% of the value of construction, proportionate for loans above Rs.

20 lacs & upto Rs 75 lacs.

25% of the value of construction, proportionate for loans above Rs.

75 lacs

(loan amt. for ascertaining margin would be after clubbing both the loans i.e. for plot +
for construction)
iii) For Purchase of Built up dwelling unit:

10% of the total value of property for loans up to Rs. 20 lacs up-front
20% of the total value of property for loans above Rs. 20 lacs & up
to Rs. 75 lacs up-front
25% of the total value of property for loans above Rs. 75 lacs up-front

iv) For Extension / Renovation /Repair:

10% of the total estimated cost, proportionate for loans up to Rs. 20 lacs

Characteristics

It is a secured loan, that is, the lender considers your house/property as a security collateral. If you fail to
pay back the loan, then the lender will become entitled to retrieve the money lent by selling your
house/property.
The loan amount can vary, with the minimum amount being Rs. 50,000.
The repayment time period for a home loan is fixed and ranges from 5 years to 30 years.
The Equated Monthly Installment (EMI) of a home loan is computed by adding the principal amount and
interest.
Home loan includes such charges as registration charge, processing fee, penalty on prepayment,
commitment charge and miscellaneous charges (documentation/consultation).
Types
There is a home loan for every requirement, take a look:

Home Purchase Loans: Avail these when buying a new home

Land Purchase Loans: Choose them when you buy property for either investment or construction
purposes
Home Construction Loans: Opt for a home construction loan, if you plan to build a house over an
already owned land.
Home Improvement Loans: Avail these when you are about to start a home repair or renovation project
Home Conversion Loans: Transfer your existing home loan into a new loan amount by availing a home
conversion loan when you wish to buy a new house but already have a home loan over an existing property
Home Extension Loans: Opt for this loan type when you plan to extend your existing home
Bridge Loans: Opt for a bridge loan when you plan to buy a new house while looking for the right buyer
to sell off your already existing home

INTEREST RATE

Loan Amount
Upto Rs.30.00 lacs

Rate of Interest (p.a.)

10.50%

Above Rs.30.00 lacs & upto Rs.75.00 lacs

10.75%
Above Rs.75.00 lacs

11.00%

DOCUMENT REQUIRED

Duly signed and filled application form

Passport-size photograph
Statements of investments, if any
Copy of plan approved for the proposed construction/extension
Cost estimation or valuation report from the bank's (or finance company's) panel CA
Allotment letter of housing board/NOC of the society/builder etc.
Bank statement and salary slips
In addition to these, you will have to also submit the following documents:

Identity and signature proof - Passport, Pan card, Driving License, Voter ID card, Aadhar card,
employee identity card in case of government employees.
Address Proof - Bank statement, Rent Agreement, Voter ID card, Ration card, Passport, Driving
License, telephone/electricity/water/credit card bill or Property tax.
Age Proof - Voter ID card, Secondary school leaving certificate (class 10), birth certificate, Passport,
Aadhar Card, pension payment order or receipt of LIC policy

CHAPTER 3
RESEARCH METHODOLOGY

3.1 Review of Literature

This research study was an attempt made to study the determinants of diversification of banks in India and to
analyze the loan with special emphasis of banks over the period of 2007 to 2013. The study covered
nationalized banks, SBI and associates, new private sector banks and foreign banks. Profitability ratios were
found out to examine the financial performance of banks. It was found out that though the interest income is still
a major source of income in the operations of banks in India, but the phenomenon of non-interest income is
acquiring added significance in the wake of declined interest margins and increased disintermediation in
commercial banking. The study suggested that banks should concentrate more on 50 providing better, faster and
more efficient customer service to permit banks to charge higher rates for better and faster service
In august 2001 James B. Thomson and Ben R. Craig had studied about the Banks who are providing home
loans, personal loans and car laons Lending to Community Banks are Targeted Subsidies Necessary? The
Gramm-Leach-Bliley Act of 1999 amended the lending authority of the Federal Home Loans, personal loan and
car loan Banks to include advances secured by small enterprise loans of community financial institutions. Three
possible reasons for the extension of this selective credit subsidy to community banks and thrifts are examined,
including the need to: subsidize community depository institutions, stabilize the Federal Home Loan, personal
loan and car loan Banks, and address a market failure in rural markets for small enterprise loans.
In December 2006 Fulbag Singh and Reema Sharma had studied about the housing Finance personal and car
finance in India. Housing, as one of the three basic needs of life, always remains on the top priority of any
person, economy, government and society at large. Where as the personal is to fulfill some personal need.
In May 18, 2007 Michael LaCour-Little had studied about the Economic Factors Affecting Home Mortgage
Disclosure Act Reporting. The public release of the 2004-2005 Home Mortgage Disclosure Act data raised a
number of questions given the increase in the number and percentage of higher-priced home mortgage loans and
continued differentials across demographic groups. Three possible explanations for the observed increase in
2005 over 2004: (1) changes in lender business practices; (2) changes in the risk profile of borrowers; and (3)
changes in the yield curve environment.
In may 2013 MANAH CHANDRA CHANGMAI, Singapore had studied home loan in India. When he had
put the request for home loan, he did get a quick response from AXIS bank. Within 2-3 days, he had sent the
scanned copies of documents as well as through courier. There was a proper follow up which was there.
Processing fees was 5000 with a interest rate of 10%. Initially, AXIS bank contacted first, hence he went with
this bank
In may2000 Stephen F. Borde had studied about the Is the Savings and Loan Industry Facing Extinction?
This article tells about the saving and loan crisis. Proposed solutions are discussed in the context of the industry
as it currently stands. With a somewhat similar liability structure to that of banks (mainly short-term deposits),
the asset structure of S&Ls is quite different. Whereas banks assets consist of short-term loans, S&L assets
consist largely of long-term loans, such as home ownership mortgages, some for personal things. Therefore, in
the absence of adequate hedging measures, S&Ls are more vulnerable to interest rate risk, which can lead to
lower profits when interest rates rise.
In June 29, 2001 Joshua Rosner had studied about the Housing in the New Millennium: A Home without
Equity is Just a Rental with Debt. They studied about the prospects of the U.S. housing/mortgage sector over the
next several years. Based on our analysis, we believe there are elements in place for the housing sector to
continue to experience growth well above GDP. However, we believe there are risks that can materially distort
the growth prospects of the sector. Specifically, it appears that a large portion of the housing sector's growth in
the 1990's came from the easing of the credit underwriting process.

 In dec 2002 Melissa B. Jacoby had studied about the Home Ownership Risk beyond a Subprime Crisis: The
Role of Delinquency Management. They studied that Public investment in and promotion of homeownership
and the home mortgage market often relies on three justifications to supplement shelter goals: to build
household wealth and economic self-sufficiency, to generate positive social-psychological states, and to develop
stable neighborhoods and communities. Homeownership and mortgage obligations do not inherently further
these objectives, however, and sometimes undermine them. The most visible triggers of the recent surge in
subprime delinquency have produced calls for emergency foreclosure avoidance interventions (as well as frontend regulatory fixes). Whatever their merit, I contend that a system of mortgage delinquency management
should be an enduring component of housing policy. Furtherance of housing and household policy objectives
hinges in part on the conditions under which homeownership is obtained, maintained, leveraged, and - in some
situations - exited.
In 2000 Yoko Moriizumi had studied about the Current Wealth, Housing Purchase and Private Housing Loan
Demand in Japan. Japanese households accumulate wealth for downpayments at a high rate. Therefore, current
wealth plays an important role in home acquisition as public loans whose direct mortgage lending is a strong
support for home purchasers. We estimate the wealth effect on private mortgage debt as well as housing
consumption by applying a model where mortgage debt demand is derived from house purchase decisions and is
determined jointly with housing consumption. We use a simultaneous equation Tobit estimation method. Wealth
effects on private mortgage debt, likelihood of borrowing, and housing consumption are not elastic. On the other
hand, a change in housing consumption affects the likelihood of borrowing elastically much more than the
private mortgage amount of borrowers. Housing and private mortgage markets fluctuate very closely with the
number of participants in the mortgage market. Therefore, the number of housing starts is linked strongly to the
private mortgage market.
Robert B. Avery and Allen N. Berger had studied about the Loan commitments and bank risk exposure. They
studied about the Loan commitments increase a bank's risk by obligating it to issue future loans under terms that
it might otherwise refuse. However, moral hazard and adverse selection problems
Sumit Agarwal,Souphala Chomsisengphet and John C. Driscoll had studied about the Loan commitments and
private firms. They studied that, Most loans are in the form of credit lines. Empirical studies of line demand
have been complicated by their use of data on publicly traded firms, which have a wide menu of financing
options. We avoid this problem by using a unique proprietary data set from a large financial institution of loan
commitments made to 712 privately-held firms. We test Martin and Santomero's model, in which lines give
firms the speed and flexibility to pursue investment opportunities. Our findings are consistent with their
predictions. Firms facing higher rates and fees have smaller credit lines. Firms with higher growth commit to
larger lines of credit and have a higher rate of line utilization. Firms experiencing more uncertainty in their
funding needs commit to smaller credit lines. Almost all firms convert unused credit line portions into spot loans
and take out new lines.
3.2 Need of Study
The educational loan scheme aims at providing financial support from the banking system to deserving and /
meritorious students for pursuing higher education in India and abroad. The main emphasis is that every
meritorious student though poor is provided with an opportunity to pursue education with the financial support
from the banking system with affordable terms and conditions. . And a home loan is a secured loan wherein a
bank or a financial institution lends you money to help you purchase your dream home. It is generally given for
a longer duration compared to other loan types because the amount borrowed is usually higher and requires a
longer repayment plan.

Here we conduct a research to know about how Punjab & Sind Bank provide loan scheme with benefits.
How much customer are satisfied from Punjab & Sind Bank services.

3.3 Objective of Study

The objective of the making report is:

To study the loans of Punjab & Sind Bank

To study the process of these loans

To study the customers preferences to particular loan.
To recommend the suggestions

3.4 Research Design

A research design is like arrangement of conditions for collections & analysis of data in a manual that aims to
combine relevance to the research purpose with economy in procedures.
A research design is purely & simply the framework of plans for a study that guides the collections & analysis
of data the research design is the conceptual structure within which the research is conducted. It constitutes the
blue print for the collection, measurement & analysis of the data.
The research design with help to answer the following questions :

Why the study is being made ?

From where the data needed can be collected ?

What time is required for the study to be competed & how much material is needed.

What will be the technique for data collections?

How the data can be analyzed?

How the answers to above questions can be found with minimum efforts, time & money?

Types of Research Design

Exploratory Research Design

These designs are the first step to start any research & are absolutely essential to obtain the proper definition of
the problem. It helps in classifying the concepts of the study. The major emphasis is the discovery of ideas and
insights by study the available information.

Descriptive Research Design

These are concerned with describing the characteristics of a particulars phenomenon in detail the descriptive
study requires a clear specifications of who, what, when, where, why & how aspects of research.

The methodology of my study involved descriptive research method.

(a) Population
A population is generally a large collection of individuals or objects that is the main focus of a scientific query.

(b) Sample Design

The stratified sampling technique was used for collecting information in this technique population is divided
into stratas (homogenous group) and then sample is obtained from each group by simple random method.
Somewhere convenient sampling was also used where the sample is selected on the basis of convenience.
Bank Consulted:
Name of bank

Punjab & Sind Bank

No of persons consulted

50

Respondents Included:
PSB staff, customers, persons from Ramba (Karnal).
Respondents belong to different Professions
Chartered Accountant

Lecturers & Teachers

Doctors

Others

(c) Sample Size

The number of respondents are 50. Respondents are from different professions and with different professions.

(d) Sampling Technique

The sampling technique used is descriptive type of study.

Descriptive Research Design

These are concerned with describing the characteristics of a particulars phenomenon in detail the descriptive
study requires a clear specifications of who, what, when, where, why & how aspects of research.
(e) Sampling Unit
The elementary units or the group or cluster of such units may form the basis of sampling process in which case
they are called as sampling units. Sampling unit is five years data from annual report of Punjab & Sind Bank.

(f) Data Collection

Two types of data collection methods are used.
Primary sources of data collection:
Primary data are those which are collected afresh & for the first time, & this happens to be original in character.
Simple well drafted questionnaire was circulated among all respondents. Full freedom was provided to an
individual to answer the questions.
Personal & Telephonic Interviews, observation, personal opinion & viewpoints of the respondents about the
various schemes helped in completion of the project.

Secondary sources of data collection:

These are those which are collected by someone else & which have been passed through statically process.
Brochures, Manuals, Journals, Magazines, Site of PSB Bank and various Articles provided lot many inputs for
successful completion of project

(g) Scope of study

The scope of the study is limited to various aspect of bank containing further sub-aspects, which are e-banking (mobile
banking, tele-banking, anywhere banking) deposit schemes

(h) Tools and Techniques used for Analysis

1.Tables and graphs
2. Pie charts
3.Mirosoft Excel and Word

3.5 Limitations of the Study

Due to constraints of time & resources the present study is likely to suffer from certain limitations some of these
are mentioned so that study can be understood in a proper respective :
Area covered under the report is sample size was very small.
The research was carried out in a short period of 7-8 weeks as a part of summer training. Some of the
respondents of the survey were unwilling to give information.
Sometimes wrong information was provided by respondents which needed to be cross checked &
verified.
Chances of biasness are there because of the use of convenient sampling.
Some respondents were not available and thus needed data could not be found

CHAPTER-5
DATA ANALYSIS AND INTERPRETATION

Q1: Table showing the respondents educational qualification.

Table No.1
Sl. No.

Educational Qualification

No. of respondents Percentage (%)

1.

Under Graduates

10

20

2.

Graduates

16

32

3.

Post Graduates

4.

Others

Total

20

40

50

100

Graph No. 1
Graph showing the respondents educational qualification.

Educational Qualification
45%
40%
35%
30%
25%
20%

40%
32%

15%
10%

20%

5%

8%

0%
Under Graduates

Graduates

Post Graduates

Others

Interpretation: The above table shows that, out of total respondents 40% of them lies under Others category,
32% of them lies under Graduates category, 20% of them are Under graduates and 8% of them are Post
graduates.
Conclusion: It can be easily inferred that the majority of respondents comes under Other educational group.
Among all the respondents 40%(majority) of them falls under Others category and 8%(minority) of them falls
under Post Graduate category.

Q2: Table showing number of respondents on the basis of occupation.

Table No. 2

Sl. No.

Occupation

No. of respondents

Percentage (%)

1.

Salaried

21

42

2.

Retired

10

20

3.

Self-employed

11

22

4.

Others

16

50

100

Total

Graph No.2
Graph showing number of respondents on the basis of occupation.

Occupation

16%

Salaried
Retired
42%

Self-employed
Others

22%

20%

Interpretation: The above table clearly shows that out of 50 respondents 21 of them are salaried persons, 10 of
them are retired persons, 11 of them are self-employed persons and 8 of them belongs to others category.

Conclusion: It can be easily inferred that among 50 respondents 42% of the respondents are salaried persons,
22% of them comes under self-employed category, 20% of them are retired and 16% of them falls under others
category.

Q3: Table showing the rate of interested borrowers.

Table No. 3
Sl. No.

Interested

No. of respondents

Percentage (%)

1.

Yes

36

72

2.

No

14

28

50

100

Total

Graph No. 3
Graph showing the rate of interested borrowers.

Interested
80%
72%
70%
60%
50%
40%
28%

30%
20%
10%
0%
Yes

No

Interpretation: Out of 50 respondents 36 of them are interested in borrowing loans and only few that is 14
members are not interested in borrowing loans.
Conclusion: It is clear by seeing the graph that majority (72%) of the respondents like to borrow loans and
minority(28%) of respondents have considerably less interest in borrowing loans due to various reasons.

Q4: Table showing the reasons for not borrowing the loans.
Table No. 4
Sl. No.

Reasons

No. of respondents

Percentage (%)

1.

Not necessary

29

2.

Lack of information about

loans

14

3.

Unsure about repayment

21

4.

Local lenders

36

14

100

Total

Graph No. 4
Graph showing the reasons for not borrowing the loans.

Reasons
40%
35%
30%
25%
20%
15%
10%
5%
0%

Interpretation: Out of 14 respondents not interested in borrowing loans 4 of them comes under not necessary
category, 2 of them under lack of information about loans category, 3 of them under unsure about repayment
category and 5 under local lenders category.
Conclusion: Most of the respondents gave reasons for not borrowing loan is due to local lenders. So the Banks
should consider this reason in order to increase the rate of interested respondents in future.

Q5: Table showing the preferences of borrowers in borrowing loans and advances.

Table No. 5

Sl. No.

Preference

No. of respondents Percentage (%)

1.

Personal

14

28

2.

Agricultural

17

34

3.

Micro & Small

Enterprises

12

24

4.

Commercial &
institutional

14

50

100

Total

Graph No. 5

Graph showing the preferences of borrowers in borrowing loans and advances.

Preference
Commercial & institutional

14%

Micro & Small Enterprises

24%
Preference

Agricultural

34%

Personal

0%

28%

5%

10%

15%

20%

25%

30%

35%

40%

Interpretation: Out of 50 respondents 14 respondents comes under personal loans, 17 respondents comes under
agricultural loans, 12 respondents comes under micro & small enterprises loans and 7 respondents comes under
commercial & institutional loans.

Conclusion: Most of the respondents prefer to obtain agricultural loans and only a few respondents like to
borrow commercial & institutional loans. Thats why our India is called as an agriculture based country.

Q6: Table showing the factors that influenced the respondents to borrow the loans.

Table No. 6
Sl. No.

Factors

No. of respondents

Percentage (%)

1.

Loan amount

16

32

2.

Purpose

12

3.

Interest rate

20

40

4.

Repayment period

16

50

100

Total

Graph No. 6

Graph showing the factors that influenced the respondents to borrow the loans.

Factors

Loan amount

16%

Purpose

Interest rate
32%

40%

12%

Repayment period

Interpretation: Out of 50 respondents 16 belongs to loan amount, 6 belongs to purpose, 20 belongs to interest
rate and 8 belongs to repayment period.

Conclusion: Majority of the respondents are influenced by the interest rate factor, secondly by the factor of loan
amount and least influenced by repayment factor.

Q7: Table showing repayment period preferences.

Table No. 7
Sl. No.

Repayment Period

No. of respondents

Percentage (%)

1.

Less than 1 year

10

2.

1-5 years

15

30

3.

5-10 years

20

40

4.

Above 10 years

10

20

50

100

Total

Graph No. 7

Graph showing repayment period preferences.

Repayment Period
40%
40%
35%
30%
30%
25%
Repayment Period

20%

20%

15%
10%
10%
5%
0%
Less than 1 year

1-5 years

5-10 years

Above 10 years

Interpretation: Out of 50 respondents 5 respondents comes under less than one year, 15 respondents comes
under one to five year, 20 respondents comes under five to ten years and 10 respondents comes under above ten
years.

Conclusion: From the graph we can say the majority of the respondents would like to repay the loan from 510 years, because it is suitable for all levels of customers.

Q8: Table showing respondents choice from among the following agricultural loans.

Table No. 8

Sl. No.

Agricultural Loans

No. of respondents

Percentage (%)

1.

Drip irrigation

17

34

2.

Scheme for purchase of

land for Agr. Purpose

18

3.

Farm Mechanisation

12

24

4.

Kisan Credit Card

Scheme

14

5.

Others

10

50

100

Total

Graph No. 8

Graph showing respondents choice from among the following agricultural loans.

18
16
14
12
10
8
6
4
2
0

Interpretation: In the above table out of 50 respondents 17 respondents comes under drip irrigation, 9
respondents comes under scheme for purchase of land for agricultural purpose, 12 respondents comes under
farm mechanization, 7 respondents comes under Kisan credit card scheme and 5 respondents comes under
others scheme.

Conclusion: Among the five popular agricultural loans majority of the respondents would prefer in
borrowing drip irrigation loan, secondly for farm mechanization loans and minority in borrowing Kisan
credit card loan.

Q9: Table showing respondents preference in borrowing the below listed personal loans.

Table No. 9

Sl. No.

Personal Loans

No. of respondents

Percentage (%)

1.

Car loan

18

2.

Education loan

12

24

3.

Housing loan

10

20

4.

Personal loan

14

28

5.

Others

10

50

100

Total

Graph No. 9

Graph showing respondents preference in borrowing the below listed personal loans.

Chart Title

14
12
10
9

Car loan

Education loan

Housing Loan

Personal Loan

Others

Interpretation: In the above analysis out of 50 respondents 9 respondents comes under car loan, 12
respondents comes under Education loan, 10 respondents comes under housing loan, 14 respondents comes
under personal loan and 5 respondents comes under Others loan.

Conclusion: Most of the respondents would like to borrow personal loan from the other five popular personal
loans and secondly they give more preference in borrowing Education loan.

Q10: Table showing the level of satisfaction towards loans and advances.

Table No. 10
Sl. No.

Satisfaction

No. of respondents

Percentage (%)

1.

Highly satisfied

12

2.

Satisfied

32

64

3.

Considerably satisfied

10

20

4.

Not satisfied

50

100

Total

Graph No. 10

Graph showing the level of satisfaction towards loans and advances.

Satisfaction

4%

12%

20%
Highly satisfied

Satisfied

Considerably satisfied

Not satisfied

64%

Interpretation: Out of 50 respondents 6 respondents are highly satisfied, 32 respondents are satisfied, 10
respondents are considerably satisfied and only 2 respondents are not satisfied with the loans and advances.

Conclusion: From the graph we can say majority of the respondents are satisfied with the loans and only a few
respondents are not satisfied.

Q11: Table showing the expectations of the borrowers from loans.

Table No. 11
Sl. No.

Expectations

No. of respondents

Percentage (%)

1.

Low rate of interest

24

48

2.

More amount

16

32

3.

Long repayment period

10

4.

Subsidy

10

50

100

Total

Graph No. 11

Graph showing the expectations of the borrowers from loans.

Expectations

10%
10%
Low rate of interest

More amount

32%

Long repayment period

48%

Subsidy

Interpretation: Out of 50 respondents 48% of respondents comes under low rate of interest, 32% under more
amount, 10% under long repayment period and 10% under subsidy.

Conclusion: From the analysis one can say that majority of the respondents expect low rate of interest and also
more amount from the loans.

CHAPTER-5
FINDINGS & CONCLUSION

The findings of the study are summarized below:

Out of total respondents 40% of them lies under Others category, 32% of them lies under
Graduates category, 20% of them are Under graduates and 8% of them are Post graduates
.

 Respondents 42% of them are salaried persons, 20 %of them are retired persons, 22% of them are selfemployed persons and 16% of them belongs to others category.
72% of them are interested in borrowing loans and only few that is 28% members are not interested in
borrowing loans.
28% respondents not interested in borrowing loans 8% of them comes under not necessary category, 4%
of them under lack of information about loans category, 6% of them under unsure about repayment
category and 10% under local lenders category.

Respondents 28% respondents comes under personal loans, 34% respondents comes under agricultural
loans, 24% respondents comes under micro & small enterprises loans and 14% respondents comes
under commercial & institutional loans.

respondents 10% respondents comes under less than one year, 30% respondents comes under one to five
year, 40% respondents comes under five to ten years and 20% respondents comes under above ten years.
34% respondents comes under drip irrigation, 18% respondents comes under scheme for purchase of
land for agricultural purpose, 24% respondents comes under farm mechanization, 14% respondents
comes under Kisan credit card scheme and 10% respondents comes under others scheme.
Respondents 18% respondents comes under car loan, 24% respondents comes under Education loan,
20% respondents comes under housing loan, 28% respondents comes under personal loan and 10%
respondents comes under Others loan.
Respondents 12% respondents are highly satisfied, 64% respondents are satisfied, 20% respondents are
considerably satisfied and only 4% respondents are not satisfied with the loans and advances.

CONCLUSION

 It can be easily inferred that the majority of respondents comes under Other educational group.
Among all the respondents 40%(majority) of them falls under Others category and 8%(minority)
of them falls under Post Graduate category.

It can be easily inferred that among 50 respondents 42% of the respondents are salaried persons,
22% of them comes under self-employed category, 20% of them are retired and 16% of them
falls under others category.
It is clear by seeing the graph that majority (72%) of the respondents like to borrow loans and
minority(28%) of respondents have considerably less interest in borrowing loans due to various
reasons.
Most of the respondents gave reasons for not borrowing loan is due to local lenders. So the
Banks should consider this reason in order to increase the rate of interested respondents in future.
Most of the respondents prefer to obtain agricultural loans and only a few respondents like to
borrow commercial & institutional loans. Thats why our India is called as an agriculture based
country.
Majority of the respondents are influenced by the interest rate factor, secondly by the factor of
loan amount and least influenced by repayment factor.
Among the five popular agricultural loans majority of the respondents would prefer in borrowing
drip irrigation loan, secondly for farm mechanization loans and minority in borrowing Kisan
credit card loan

Most of the respondents would like to borrow personal loan from the other five popular personal
loans and secondly they give more preference in borrowing Education loan.
From the graph we can say majority of the respondents are satisfied with the loans and only a
few respondents are not satisfied.

CHAPTER- 6
RECOMMENDATIONS

SUGGESTIONS
The following were the suggestions offered by the study:
1. Prompt measures should be taken to collect the overdues from the borrowers that will help the banks to earn
profit in future.
2. For improving operational efficiency, new technology should be introduced. Computerization and automation
will help in reducing unproductive and costly operations.

3. The banks should take necessary steps to increase the non-interest income, which only constitutes less than
20% of the total income, by way of collection of cheque and bills, giving guarantees, locker facilities, acting as
agent providing merchant banking services etc.
4. The banks should conduct awareness programmes among the rural poor about the repayment of loans and
saving habits.
5. With regards to deposits, the current deposits carry zero rate of interest. Therefore, the banks have to
concentrate on mobilizing current deposits.
6. To maintain a steady growth rate of deposit, it is recommended that the banks should come forward to offer
some subsidiary services like marketing assistance, technological assistance, insurance facilities, export
facilities and so on.
7. The banks should take efforts to reduce the operating expenses by means of improving the efficiency of the
non-viable branches by utilizing some expert services like professional management, private management and
the like.
8. New attractive and innovative schemes should be introduced according to the requirements of difference
types of clients.

APPENDIX
QUESTIONNAIRE
.

Questionery
Personal information
Name:
Age:
Gender M/F:

1. Education Qualification:
Under Graduate
Post Graduate

Graduate
Others (please specify)

2. Occupation:
Salaried
Self-employed

Retired
Others

3. Are you interested in borrowing loans?

Yes

No

4. If the answer is no, why you have not borrowed loan?

Not necessary
Unsure about repayment

Lack of information about loans

Local lenders

5. What type of loans and advances you prefer?

Personal loans
Agricultural loans
Commercial loans
MSE loans
6. Why do you prefer the above option?
Loan amount
Purpose
Interest rate
Repayment period
7. How much period do you prefer for repayment?
Less than a year
1 to 5 years
5 to 10 years
Above 10 years
8. Among the following agricultural loans, which loan do you prefer?
Drip irrigation
Scheme for purchase of land for Agr.Purpose
Farm Mechanisation
Kisan Credit card Scheme
Other
9. Which loan do you like to borrow among the below listed personal loans?
Car loan
Education loan
Housing loan
Personal loan
Others
10. How satisfied are you with loans and advances?
Highly satisfied

Satisfied

Not satisfied

Considerably satisfied

11. What are your expectations from loans?

Low rate of interest

More amount

Long repayment period

Subsidy

Any suggestions,

OTHER RELATED ATTACHMENTS

Balance Sheet of Punjab
Capital and Liabilities:

Mar '15

Mar '14

Mar '13

Mar '12

Mar '11

Total Share Capital

400.41

475.28

454.02

434.21

423.06

Equity Share Capital

400.41

275.28

254.02

234.21

223.06

Share Application Money

Preference Share Capital

200

200

200

200

Reserves

5,195.76

4,536.00

4,150.08

3,814.74

3,380.33

Net Worth

5,596.17

5,011.28

4,604.10

4,248.95

3,803.39

86,714.72

84,730.16

70,641.50

63,123.98

59,723.19

Deposits
Borrowings

3,048.23

2,305.04

2,540.05

3,382.33

2,885.89

Total Debt

89,762.95

87,035.20

73,181.55

66,506.31

62,609.08

2,394.28

2,462.66

2,692.25

2,150.01

2,137.68

97,753.40

94,509.14

80,477.90

72,905.27

68,550.15

Other Liabilities & Provisions

Total Liabilities

& Sind Bank

Assets
Cash & Balances with RBI
Balance with Banks, Money
at Call
Advances
Investments
Gross Block
Revaluation Reserves
Accumulated Depreciation

Mar '15

Mar '14

Mar '13

Mar '12

Mar '11

3,756.11

4,834.49

3,248.92

3,640.15

4,579.80

463.4

1,490.35

830.29

675.27

316.67

63,870.18
26,751.70

57,239.07
28,294.11

51,430.79
22,542.48

46,151.41
20,064.13

42,637.85
18,643.65

994.83

1,002.72

844.13

808.38

816.25

994.83

1,002.72

844.13

808.38

816.25

Other Assets

1,917.19

1,648.42

1,581.30

1,565.93

1,555.92

Total Assets

97,753.41

94,509.16

80,477.91

72,905.27

68,550.14

Net Block
Capital Work In Progress