A SUMMER INTERNSHIP REPORT ON

General Banking & Cash Management Of

THE KANGRA CENTRAL CO-OPERATIVE BANK LTD.

Master of Business Administration

Session : (2016-2018)

SUBMITTED TO : SUBMITTED BY:

HP Technical University NAME :

HAMIRPUR (H.P) CLASS : MBA 3 rd Sem
Univ. Roll No. 16010280
CERTIFICATE FROM BANK

ii
 DECLARATION

The report entitled General Banking And Credit Management is submitted to Gautam
Institute Of Management & Technology is a original work done by me under the
Supervision & Guidance of Mr. Vinay Sharma

The internship report has been done in the partial fulfillment of the requirements for
the Master Of Business Administration. This report has not been previously submitted in
any form to any examination/institute/university or any.

The information which I included here is true and in original as per my best knowledge
and research, with taking possible references if any.

NAME

Univ. Roll No. 16010280

Gautam Institute Of Management & Technology

iii
 ACKNOWLEDGEMENT

Writing this report after 45 days interning as an official staff in Kangra Central Co-operative
Bank Ltd. I was thankful and lucky having an opportunity active friendly as well as
challenging environment. I want to express my Gratitude to everyone who helped me to
accomplish my intership. First of all I would like to thank to the DR.ASHOK BANSAL of MBA
Department HOD of Gautam Institute of Management and Technology Hamirpur prviding
me with usefull knowledge that can be applied on practical task at Kangra Central Co-
operative Bank Ltd Branch Kuthera. Secondly, I am greatly indebted to our Branch Manager
Suman Thakur, Cashier Amarnaath Kapoor, Clerk Vinay Sharma & Neelam Kumari for their
devotion and thoroughness in supervising me during the internship. They were not only my
bosses but also my mentors. In addition I would like to thanks my Colleagues,

Thanks to everyone who supporting and encouraging me to complete the internship report.

NAME

iv
 Sr. No. Chapters Particular Page No.
1 Cover Page
2 Approval Letter i
3 Certificate of Bank ii
4 Letter of Declaration iii
5 Acknowledgment iv
6 Executive Summary v
7 Table of Contents vi
8 List of Tables vii
9 Abbreviation viii

10 1st INTRODUCTION

11 1.1 Background of the Report 12

Overview Of the Report
Duration Of Internship.
Training Methodology

12 1.2 Objectives of Internship 14

13 General Objectives
14 Specific Objectives
15 1.3 Brief Introduction 18
Of Banking
Organization
16 Meanings and Definition
Of Banking
17 Functions of Banking
18 1.4 Introduction Of 20
Our Organization
( KCC Bank Ltd.)
19 History of KCC Bank 22
20 Commerce and
Management

22 Business & Deposits 28

 Policies
23 Products and Services of 30
KCC Bank
24 1.5 Organization Structure and 32
Bank Profile
25 1.6 SWOT Analysis of KCC
Bank
26
27 2nd Weekly Practical 34
Report
28 2 Practical Work Structure.
29 2.1 Introduction Practical 38
Work Activities
30 2.2 Credit Department
Work
31 I. Weekly Practical Report 41
In Detail ( 1st -7th Week)
32 ii. Work Assignment 43
33 Iii. Objectives
34 2.3 Learning of the Week 44
35 3rd Customers Service
Department
36 3.1 Recommendations
and Conclusion
37 3.2 Overall Experience and
Learning during the
training

38 3.3 Recommendations 43

39 Conclusion 44

References And 45
Bibliography
 Sr No. Table No. Figure No. Particulars Page no.

1 1.1 Duration of
Internship in
various
Departments
2 1.4.2.1 Operation of
KCC Bank
3 1.4.2.2 Capital
Structure
4 1.4.2.3 Financial
Position
5 1.5.1.1 Bank Profile
6 1.5.1.2 Profile Of
Branch Office
7 1.6.1.2 Balance Sheet
8 2 Practical Work
Structure
9 2.1 Major Activities
of Credit
Department
10 2.1 Loan Dept.
Activities
11 2.2 Cash Dept.
Activities
12 2.3 Cheues
Collection
Register
 ABBREVIATION

ATM Automated Teller Machine.

BOD Board of Directors
CAP Credit Proposal
CRR Cash Reserve Ratio.
CSD Customer Service Department
E Banking Electronic Banking
HP Hire Purchase
HR Human Resources
KCCB Kangra Central Co -Operative Bank Ltd.
KCC Kisan Credit Card.
KYC Know Your Customers
LTFD Long Term Fixed Deposits
N P A Non Performing Assets
S S M E Small Scale & Medium Enterprises.
S S G Self Help Groups
1.1 Background of the Report

Internship program has become the bridge for those who

want to enter to corporate level from the college life, through
internship I got to know the real working environment that
was very much different from my course study. During my
internship, I got a chance to work in the department about
Gereral Banking & Credit Management Of Kangra Central Co-
operative Bank Limited how is it perform all operations. The
term I spent at Kangra Central Co-operative Bank Limited was
more engaged with learning part through assignments. All
my experience helped me realize parts like grouping
work, work environment, peering support, carried out in the
organization. Thus, the internship duration provided me with
the opportunity to broaden my knowledge, acknowledge my
strengths/weakness that would be more helpful to shape up
my career in the future.

1 . Overview Of Report :

This report entitled An Overview Of General Banking & Credit Department of The
Kangra Central Co-operative Bank Ltd has been prepared as partial fulfillment of the
requirement for the award of degree of Master of Business Administration under the MBA
program of Gautam Institute of Management & Technology , Hamirpur under Himachal
Pradesh Technical University, Hamirpur
(HP) The internee got the opportunities to work at KCC Bank Ltd, one of the successful
and emerging bank in the Himachal Pradesh.
The internee was under the direct supervision of Dr. Ashok Bansal, Head of Management
Department at GIMT, Hamirpur college for the internship program. The report add up the
knowledge of how organization obtained the debt financing and what sort of provision and
criteria are required
to meet to different types loan facilities from the bank.
12
ii. Duration of Internship

The Internship program endure for 45 days starting from 3th June to 17th July 2017. Internee
has spent 45 days period in the following departments :

Table No. 1.1.1

Duration of internship in Different Departments

Sr. No. Name Of Departments Time Period in days
1 Credit Department 10
2 Customer Service Department 12
3 Cash Department 12
4 Recovery Department 11

Training Methodology :

By methodology, we mean how, when, what and where method & techniques are used to
gather the
data , information, make the analysis and represent the collected data to draw up the report
complete,
valuable and more meaningful. In another word, Methodology is the process of collecting ,
analyzing and interpretation of facts and figure and providing solution of the problem.

Data and Information collection.

Data information and other necessary materials that are used to make this report complete
and
meaning full gathered from two sources, internally and externally. Some time orally I have
collected
information which is not available. And these can be gathered only personal experience

Ways of Data Collection

1. Primary Data : First time collected data. As a internee accumulated from primary
data from

a. Observation of Employees : Here primary data are collected through

spending 45 days in the kcc
bank during the working hour. Here. I observed the total banking process.

b. Direct Involvement in work.

c. Informal Discussion.
13
2. Secondary Data :

The secondary data had been collected from the MIS of KCCB . To
clarify different secondary sources such web site , register book . In this regards internal
sources :
a. Bank Annual Report 2016- 2017.
b. Previous reports and journals relevant to banking industry.
c. Instruction circulation of Head office.
d. Bank issues seminar papers etc.
e. Books And Wikipedia Sources etc

Fig. 1.1 (Sources of Data Collection Of Prepare the Report )

SCOPE OF STUDY :

The duration of the study was a very short span time. It was very much hard to complete a
report as
well as assigned task by the bank. So I had to complete this study facing very much time
pressure.
This report are cover only Credit Department and General Banking Activities of The
Kangra Central
Co-operative bank Ltd. Especially this report emphasis on the comparison of different bank
interest
rate and deposit schemes , in a financial products . It consider only one Branch from all
well known
public and private banks.
4.
Primary Data Secondary Data
Sampling Procedures and Research Design :
I collected primary data by random sampling basis and my sample size is banking employees i.e. 7 .
Collected information is processed by the use of computer system. By using MS Excel and SPSS
software to analyzed one year account opening data.
14

Limitation Of Study :
I. Inexperience on practical to do so.
II. Not proper to perfectly represents on this task.
III. Sometime data is not available.
IV. Only one organization KCCB Ltd. is taken into consideration.
V. Study is mostly secondary based data .

1.2 Objectives of Internship

Internship is become the key for students to get employment. To get an employer, a
candidate who
has spent time working for a particular industry shows, dedication to a particular career,
enthusiasm
for a particular job and importantly has experience. Moreover, an internship offers you
practical
knowledge of professional career.
I internee have selected to do internship at KCC Bank one of the finest bank in Himachal
Pradesh
banking on the credit department. The Objectives are internship highlighted as :

General Objectives.
Specific Objectives.

I. General Objectives :
To Qualify for the degree of Master of Business Administration.
5.

ii. Specific Objectives :

a. To get the real picture of professional life.
b. To acquire that experience about the activities perform in the credit & Finance dept.
c. To acquire the knowledge about the document needed for obtaining loan.
d. To Analyze the lending process.
e. To identify the types of loan and their importance of business.
f. To identify the role of loan department in bank.
g. To study the efficiency of the management in present competitive banking market.

1.3 Brief Introduction of the Banking Industry :

I. Meaning of the Bank

Bank is the lawful organization which accepts deposits that can be withdraw on demand,
pay interest,
clear cheques act as an intermediary and make loan to individual and business those need it
A part
from this bank also provides financial services such as wealth management, currency
exchange, Safe
deposit, locker and vault facility.
15

Definition of Banking :

According to Bank Regulation Act Of India (1949)

It defines banking as accepting, for the purpose of lending or investment of deposit pf
money the public, repayable on demand or otherwise or withdraw able by cheque, draft
order or otherwise.

II. FUNCTIONS OF BANKS :

A. Primary Functions : Accepting Deposits and Granting advance are the main
primary function of
the bank.

1. Accepting Deposits : The bank collects deposits from the public. These
deposits can be different
types such as :
6
I) Saving Deposits ii) Current Deposits
iii) Fixed Deposits iv) Recurring Deposits.

2. Granting of Loan and Advances :

The bank advances loans to the business community and other

members of the public. The rate charged is higher than what pays on deposits.. The
difference in the
interest rates ( lending rate and the deposit rate) is its profit. The types of bank loans and
advances
are :

I) Overdraft

ii) Loans

iii) Cash Credits

iv) Discounting of Bills of Exchange.

16
 17

Functions of Banks
PRIMARY
FUNCTIONS SECONDARY
FUNCTIONS
ACCEPTING DEPOSIT
GRANTING ADVANCESA
AGENCY FUNCTION
UTILITY FUNCTION

B. SECONDARY FUNCTIONS :
The bank performs a number of secondary functions, also called as non banking functions. These
important secondary functions of banks are explained below.

1. Agency Functions :

The bank act as an agent of its customers. The bank performs a number of agency functions which
includes :
I ) Transfer of funds. Ii ) Portfolio Management.
Iii ) Collection of Cheques. Iv ) Periodic Collection.
v.) Periodic Payments. Vi .) Other Agency Functions.

2. Utility Functions

The bank also performs general utility functions , such as :

I ) Issue of Drafts ,Letters of Credits etc.
ii ) Locker and ATM Facility.
Iii ) Underwriting of shares.
Iv ) Dealing in Foreign Exchange.
V ) Project Reports.
Vi ) Social welfare programs.
Vii ) Other utility functions.

CASH RESERVE RATIO :

Bank are required to maintain CRR ratio as prescribed by central

bank. CRR is the percentage of deposits liability to be retained by commercial bank and other
deposit
money bank as prescribed by central bank.

1.4 INTRODUCTION OF KCC BANK LTD

The Kangra co-operative Bank Ltd started as very humble condition way as a small thrift/credit
society in March 1960 by a few friends of Distt. Kangra of Himachal Pradesh to help out of the
people of Himachal residing in Delhi to uplift their economic conditions and tide over the financial
hardships, Dedications, sincerity and honesty of those members brought rich fruit and this credit
society grew up into a big society within 12 years after its formation and successful running was
converted into primary urban cooperative bank in 1972 by RBI permitted to carry out to banking
activities including acceptance of deposits from non- members by opening their savings, current,
RD
A/cs.23 years there from in june 1995 it was granted a license to carry out the banking business by
RBI.

1.4.1 History Of KCC Bank :

The Kangra Central Co- operative bank Ltd Dharamshala was registered on 18 March
1920. It was
established to facilitate the operation of the Primary Co operative societies affiliated with
it by
raising resources and acting as balancing centre. It was granted license to Open Branchres
and
consequently Six more branches were added in February, May, December 1996, June 1998,
October
2008 and last in July 2009. The main branch along with its service branch arbitration and
recovery
department is situated in its own three storied building at Pacarana. It purchased another
building in
April 2008 At Jagatpuri where its one of the existing Branches has already been
functioning.
Bank enjoys Grade A audit classification since long Govt of NCT of Delhi gave to the bank
Best
Bank Award for the years 2004-05,2007-08,2009-10 and 2011-12.
Bank is giving dividend to its shareholders regularly and lastly declared @18% the highest
declared
so far, Bank has also introduced three schemes of welfare nature for its shareholders.

Welfare Schemes Of Membership

1. If form the membership of the bank existing as on 31st December 2013, any member
dies, his nominee will be given a death grant of Rs 25000/ from member welfare Scheme and
it and if he has taken any loan , then loan amount up to Rs 75000/ will be exempted from
interest.
9.

2. Any member enrolled after 31st December 2013 if dies before attaining a membership
of 10 years, his nominee will be given a death grant of RS 15000/ from Member Welfare
Scheme and Loan up to RS 50000/ if will be taken from exempted from interest.
3. Any Member enrolled after 31st December 2013 if dies after completing membership
of 10 years, his nominee will be given a death grant of RS 25000/ from
4. Member Welfare Scheme and Loan up to RS 75000/ if taken will be exempted from
interest, the second one is where scholarship @ 75000/, if taken will be exempted from
interest, the second one is where scholarship @ RS 150/ & 200/ per month is given to the
brilliant wards of the members and staff I and third one is to give one time incentive to
those
wards of members who get 90% marks in Board Examination. Amount of Incentive is RS
3100/ & RS 5100 for 10th & 12th class respectively.

1.4.2 COMMERCE & MANAGEMENT

Branches spread through out the state of Himachal Pradesh. There are 85 branches of all
banks which are serving in the urban areas of the state, 250 branches are serving in the
semi
urban areas and1331 branches are serving in the rural areas of the state. In order to fulfil
the
demand of long term credit, the Himachal Pradesh state co-operative agriculture and rural
development bank play in important role.
On the other hand, Kangra primary co-operative agriculture and rural development bank
which is located in Dharamshala provides medium and long term financial assistance for
agriculture and allied activities with its 16 branches in 3 Distts namely Kangra, Una,
Hamirpur. There are 5 urban co-operative banks eating to the credit needs to their members
in
the urban areas of Himachal Pradesh.
As for as the rural short term credit co-operatives are concerned, there is an apex state
cooperative
bank and 2 dist. central co-operative banks financing in the concerned districts of
their functioning areas. The Himachal Pradesh state co-operative bank is the apex bank
which also discharges its co-operative role as district central co-operative bank in 6 Ditties.
Shimla, Kinnaur, and Sirmour respectively.
20
1.4.3 MISSON :

KCC Banks began operation in 1995 with a simple mission to be a world class Indian bank .
We
realized that only a single minded focus on product quality and service excellence world help
us get
there. Today the bank is on the way towards that goal. It is currently gratifying that its efforts
towards
providing customer convenience has been appreciated both nationally and internationally.

1.4.4 TECHNOLOGY.

KCC Bank Ltd Operations in highly automated environment in term of information

Technology and communication systems . All the branches have online connectivity, which
enables
the bank offer speedy funds transfer facilities to its customers.
12.
The Banks business is supported by salable and rebuts systems which ensure the our clients
always
get the finest services we offer.
In each of the business, the bank has succeeded in leveraging in market position. Expertise
and
technology to create a competitive advantage and build market share.

1.4.5 BUSINESS.

KCC Bank offers a wide range of commercial and transactional banking service and treasury
products to wholesale and retail customers. The Bank has two Business Segements :

1. Whole Sale Banking Services

2. Retail Banking Services.

A. WHOLE SALE BANKING SERVICES :

a. Large Range of small and mid size and agricultural business.

b. Provide commercial and Transactional banking services.
c. It includes working capital finance, trade services, transaction services, cash
management etc.
d. Provide Insurance policies in whole customers.

B. RETAIL BANKING SERVICES :

a. It provide Target Market customers a full range of the financial products and banking
services, giving the customer a one stop window for all banking requirements.
b. So as well as provide alternative delivery channels like as ATMs, Mobile Banking,
Net Banking etc.

1.4.5.1 Vision Document For 2016 -2017 to 2017 2018.

All the branches are fully computerized with CBS. The implementations of CTS, NEFT/
RTGS, ATM
has already been done . Board of Directors has also prepared a VISION DOCUMENT for
2016-17
to 2017-18 according to which various targets have been fixed.

1. Membership has been planned up to 48,000.13.

2. Share Money up to 31 cores.

3. Deposits to increase 850 crores from 730 crores.

4. Efforts will be made to maintain the highest percentage of dividend clienntent 1.50 lakhs.

5. ATM Card holders up to 17000.

6. To purchase two buildings.

7. To be Eligible for schduled status.

8. To open two Branches.

9. To computerized HO & CRD

10. To get A RBI inspection Rating.

11. To Open onside ATMs in all branches.

12. To make customer service quick and satisfactory.

13. To Arrange minimum two lectures in a year on important topics such as

a. Investment Schemes.
b. NPA, Credit Appraisal, KYC Norms.
c. Customer Services.
d. Internal Control Profitability.

14. To Maintain Net NPA 0 % and gross NPA not more than 4.5%.

1.4.6 Deposit Policy

Customers are most important visitors in our premises they are not dependent on us we are
dependent
on them. We are determined served them in particular and our community as a whole in
general with
smile to their utmost satisfaction through co-operatives.

1.4.6.1 Types of Deposit Accounts :

1. Saving Account.

2. Current Account.

3. Term Deposit Account.

1. Saving Bank Account :

Saving Bank account is very name suggest that is intended for savings for the Future.

There are no restrictions on the number and amount of deposit that can be made on any day.
Minimum amount of withdrawal /deposit is RS 10 . Balance in the account earns interest
Rate by the
Head Office from time to time. The facility of withdrawal by cheque is also allowed subject
to
certain organisations and agencies as approved by RBI.
As required by Law, while opening the account we will satisfy ourselves about the identity,
including
verification of address of a person seeking to open an account, to assist in protecting the
prospective
customers, members of the public and ourselves against fraud and other misuse of the
banking
system duly observing know your customers (KYC) guidelines of RBI.

2. Current Account :

Current Accounts are designed to meet of the needs of such sections of the public who
operate their
account regularly and frequently . Traders, Businessmen, corporate bodies or the like who
receive
money and make payment very offen . Current Accounts are suitable to such category of
customers
as there are no restrictions on the number of withdrawals or deposit. It can be opened by :

1. Individuals.
2. Partnership Firms
3. Private and Public Ltd. Co.
4. HUFs / Specified associates.
5. Societies and Trust Etc.
3. Term Deposit Account :

The Deposit Received by the bank for a fixed period withdraw after the expiry of the fixed
period
and include deposits such as Recurring and Fixed Deposits Etc.
Term Deposit can be opened by

1. Individuals and Partnership Firms.

2. Private and Public Ltd Companies.
3. HUF and Societies /Trusts Etc.

4. General Accounts :

1. Joint Account.
2. Special Type Account.
3. Minor Accounts
4. Accounts of illitrate Persons.
5. Account of Blind Persons.
6. Repayment under joint accounts.

1.4.6.2 Depositors Rights

1. Right to INFORMATION

A deposit will have right to information about charges, quality or standard of the services
offered by
the bank to enable him/her to take an independent decisions.

2. Right to CHOOSE

A depositor will have the absolute freedom to choose among the various services offered by
the bank
to suit his/ her requirements.

3. Right to Utilize the PRODUCTS & SERVICES

To right a depositor choose and utilise of Products & services according to our facility

1.4.7 PERSONAL BANKING PRODUCTS & SERVICES

PRODUCT SCOPE

Kcc Bank Ltd Offers a bunch of Products and services to meet the every need of people . The
Company Cares for both individuals as well as corporate and small and Medium entreprises.
For
Individuals and cards assist the customers.
The customers are choose the suitable one from a range of products which will suit their life
stage
and needs.For organization the company has a host of customised solution the range from
funded

services and non funded services, value addition services, mutual funds. Etc. The affordable
plans
part from providing long term value to the employees help in enhancing goodwill of the
company.

1. ACCOUNTS & DEPOSITS

Saving Account

a. Saving Plus Account

b. Saving Max Account
c. Senior citizen Account
d. Insitutional Savings Account
e. Payroll Salary Account
f. Clasic Salary Account
g. Regular Salary Account
h. Pension Saving Account
i. Family Saving Account
j. Kisan Saving Account.

2. Current Account.

a. Plus Current Account

b. Trade Current Account
c. Premium Current Account
d. Regular Current Account
e. Max Current Account

3. Fixed Deposit Account

a. Regular Fixed Account

b. Super Saver Account
c. Sweep In Account
d. Recurring Deposit Account
e. Demat Account
f. Safe Deposit Locker.

2. LOANS

a. Personal Loans
b. Home loans
c. Two Wheeler Loans
d. New Car Loans
e. Used Car Loans
f. Commercial vehicle Finance
g. Working Capital Finance
h. Construction Finance
i. Investment and Insurance
j. Mudra Gold Bar

3. FOREX SERVICES

a. Trade Finance
b. Foreign Currency Cheques & Deposits
c. Payment Services
d. Visa Money Transfer
e. NEFT & RTGS Services.
f. Mobile & Internet Banking
g. Branch Network
h. ATM & Locker Facilities.

4. Cards

a. Silver Credit Card

b. Gold Credit Card
c. Womens Gold Credit Card
d. Platinum Plus Credit Card
e. Value Plus Credit Card
f. Health Plus Credit Card
g. KCC Bank Idea Silver Credit Card
h. KCC Bank Idea Gold Card
i. Wholesale Banking Services
j. Funded Services
k. Non- Funded Services
l. Value Added Services
m. Internet Banking
n. Corporate Salary Account
o. Tax Collection

5. NRI Banking Services

a. Rupee Saving Account

b. Rupee Current Accounts
c. Rupee Fixed Deposits
d. Foreign Currency Deposits
e. Accounts for Returning India

1.5 ORGANIZATION STRUCTURE OF KCC BANK LTD.

The management of affairs of the bank shall best as defined in the laws in the following
boddies and officers.
The General body shall determine the General Policy of the bank
1. The Board Of Directors.
2. The Executive Comitee.
3. The Managing Director.
4. The General Manager.

ADMINISTRATIVE SET UP OF BANK :

1. Board of Directors.
2. Chairman.
3. Managing Director.
4. General Manager.
20
5. Deputy General Manager.
6. Zonal Manager.
7. Branch Manager.

ORGANIZATION SET UP BY BANK

1. Head Office.
2 Zonal Office.
3 Branch Office.

1.5.1 Our Organization Profile

Details of THE KANGRA CENTRAL CO-OPERATIVE BANK LTD, KUTHERA

BUHLA

Bank: THE KANGRA CENTRAL CO-OPERATIVE BANK LTD

Address: TESHIL & DISTT. HAMIRPUR H.P.

State: HIMACHAL PRADESH

District: HAMIRPUR

Branch: KUTHERA BUHLA

Contact: SH. KARTAR CHAND

IFSC Code: KACE0000166 (used for RTGS, IMPS andNEFT transactions)

Branch Code: Last six characters of IFSC Code represent Branch code.

MICR Code: 177850031

About Branch Office KUTHARA For The Financial Year

2016 -17
Total Number of Employees = 5

designation of Branch Manager Mrs. Suman Thakur

Junior Asistant Manager Mrs. Neelam Kumari
Senior Clerk Mr. Vinay Sharma
Cashier Mr. Amarnaath Shukla
Peon Mr.Ramprashad

Sr

Kuthera IFSC Code consists of 11 Characters:

KACE0000166

First 4 characters represent the entity (KACE#######)

Fifth position has been defaulted with a '0' (Zero) for future use
(####0######)

Last 6 character denotes the Kuthera branch identity (#####000166)

The Kangra Central Co-Operative Bank Kuthera Branch Hamirpur, Himachal

Pradesh Details

Kangra Central Bank Kuthera Branch Phone Number : Address: TESHIL & DISTT.
HAMIRPUR H.P.. Email id of The Kangra Central Co-Operative Bank Kuthera
Branch is , PIN Code is , Customer Care Toll Free No : 1800-180-8008 Email ID:
support@kccb.in , mdkccb@bsnl.in , dgmkcc@dataone.in, complaint@kccb.in,
IFSC Code is KACE0000166, Kuthera branch code is 000166. MICR No is
177850031 Contact No: .

Particulars Amount ( Fig. in

thousands)
(1.5.2 KCC BANK PROFILE:

KCC Bank History

Come in existence in 17th March 1920.
1 Poinneer banking institution catering needs of public and co- operative societies in Kangra
and
Lahul Spiti.
2. Indora banking union was merged and 2nd branch open at Nurpur in Jan. 1956.

3. Plampur banking union was merged and 3rd branch of the bank opened at Plampur in Jan
1957.

4. 4th Branch of the bank opened at Hamirpur in oct.1967.

Main Head Office Details Of Kcc Bank Ltd.

Leading Co Operative bank in North India.

Head office Situated in Dharamshala Distt Kangra (H.P.)

Name Designation

Company Name The Kangra Central Co-Operative Bank Ltd.

Establishments Year March 1960

Mr. Jagdish Sepahia Chairman

Mr. Kuldeep Singh Pathania Vice- Chairman

Mr. Ajit Paul Mahajan Director

Mr. PC Akela (HAS) Managing Director

Mr. Sudhir Katoch Deputy Registrar

Mr. Ashok Puri General Manager.

Address: H.O. Kachehri Road, Jawahar Nagar Dharamshala , Distt. Kangra Himachal
Pradesh
176215.Bank has tie ups Axis Bank, HDFC Bank and ICICI. Bank and also with Maruti
Udyog Ltd.

VISION :

To emerge as the most trusted, admired, sought after world class financial institution, and to
be
the most preferred destination for every customer and investor and a place of pridge for its
employees

1.6 SWOT ANALYSIS

Introduction of SWOT Analyses

A SWOT analyses is a structure planning method used to evaluate the strengths, weakness,
opportunities and threats involve in a project or in a business venture. A SWOT analyses can
be
carried out for a project, place, company, firm or person. It involves specifying the objectives
Organization or project and identifying the internal and external factor that are favrorable and
unfavorable to achieve the objectives. The degree to which the internal environment of firm
matches
with the external environments expressed by the concept of strategic fit.

1. STRENGTHS : characteristics of the business or project that give it an advantage over

other.

2. WEAKNESS : characteristics that place the organization or project at a disadvantages

over
other.

3. OPPORTUNITY : elements that the project could exploit to its advantage.

4. THREATS : elements that environment could cause trouble for the

business or Project.

1. STRENGTH :
2. The biggest strength of bank is direct banking channels. As direct banking
channels saves time and money both as a customer does not need to go to bank for any kind
of
transaction except cash withdrawal and cash deposits all other things are done sitting
anywhere in the
world.
a. All services and products of Kcc Bank are available through direct banking channels.
b. Free ATM , Mobile and Net Banking Services.

c. Very Easy to Access and use.

d. A highly Personalized Services provided by the bank.
e. KCC Direct Banking Channels provide Real Time and Accurate Information.

2. WEAKNESS :

a. Resistance to change
b. One Should have the knowledge of the operation of the computers and all of course the
internet.

3. OPPORTUNITIES :

a. Centralized banking makes easy for KCC Bank to provide services to customers.
b. Huge Markets of Shareholders
4. THREATS :

a. Vulnerable to reactive attack by competitors.

b. Attacks of Web Hackers.
c. Lack of infrastructure in rural areas could constrain investment.

30
31
 LISTOF
TABLE OFCONTENTS
TABLE
WEEKLY PROGRESS REPORT

WEEK NAME OF WORK WORK STATUS

SECONDARY
PRIMARY
AGENCY
ASSIGNED
Functions of
SECONDARY
ACCEPTING
PRIMARY
13 1.1 SOURCES
CHAPTER OF
DATADATA
2DATAS
FUNCTION
DEPOSIT
FUNCTION
Sources ofBanks
data

CHAPTER 1
FUNCTIONS
UTILITY
CollectionGRANTING
WEEKLY
st
1 Know about the bank Accomplished FUNCTION
7th Work in open different Accomplished
ADVANCESA
14 1.3 Function of

INTRODUCTION
Bank Account
PRACTICAL Banks

2 15
nd
Know about the 1.6 SWOT Analysis
Accomplished
working of Bank ACTIVITIES
3rd Work in Customer Accomplished
Service Department

4th Work in Credit Accomplished

Department

5th Work in Cash Accomplished

Department

6th Work in Recovery Accomplished

department

CUSTOMER SERVICE DEPARTMENT

Customer service is an important, but broad concept in the banking

industry. In essence, banks are service-based businesses, so most of their
activities involve elements of service. While they do sell banking and
financial products, there is often little tangible product variation among
their offerings. Customer service managers generally deal directly with
service issues, but several other common banking jobs involve service.
Teller
An often underappreciated element of a bank's service is the level of
friendliness and helpfulness offered by front line service employees.
Tellers essentially serve as the "face" of the bank to regular customers.
They're the ones visitors typically interact with for routine checking and
savings transactions. Thus, service-oriented, helpful people in these roles
greatly affects a bank's customer service performance and reputation.
Personal Bankers
For customers with more involving banking needs, personal bankers
usually enter the picture. Bankers generally meet with customers
interested in setting up new accounts or getting more information on
banking products. They also handle many of the issues or problems
customers have, such as unexpected bank fees or transaction errors.
Banks do often have customer service managers that step in to deal with
the most significant customer service concerns.
Loans
The loan or finance side of banks has its own customer service situations
and processes as well. Mortgage consultants inform customers about new
loan and refinance options and help with applications. During and after
the loan approval process, members of a bank's loan division
communicate with the customer about any paperwork requirements. They
also update them on their loan status. Loan officers and service
employees also field loan payment and servicing questions from existing
loan customers.
Self-Service
Ironically, one area in which bank customer service is assessed is in its
provision of self-service banking tools. In the early 21st century,
customers are often more concerned with banking efficiency than the
personalized in-branch experience. Online banking tools, including the
ability to move money between accounts and to pay bills online, are
examples. ATMs and mobile banking are additional options banks often
provide to customers looking for self-service opportunities.
 Duties & Responsibilities of a Customer Service
Representative

A customer service representative interacts with a companys customers

to provide them with information to address inquiries regarding products
and services. In addition, they deal with and help resolve any customer
complaints. For instance, a customer representative may assist you in
opening an account or help you to resolve a problem if you cannot access
your account or if your order never arrived. Usually, customer service
representatives gather their information via a telephone call.
Handling Problems
Customer inquiries often involve some form of complaint that the
customer service representative must handle in accordance with the
companys guidelines and policies. Sometimes, the representatives may
attempt to solve the problems or at least propose some solutions. Some
representatives may also be authorized to send customers their
replacement products or reverse erroneous fees. Others may function like
gatekeepers, getting information on the problem and passing it along to
someone else to solve. Customer service representatives must make sure
first that the complaints made are valid and must do whatever they can--
within the bounds of their authority--to make sure the customer is
satisfied when he hangs up the phone.
Assisting in Sales
Selling the companys products and services may be part of a customer
service representatives job, even though he may not be part of the sales
division. Some representatives may provide product or service information
to assist customers in making a decision about a product to buy. Customer
service representatives may also help generate sales leads. For instance,
after addressing a customers inquiry, the representative may attempt to
sell them some new products upgrades. For instance, he may suggest
upgrading your cable service.
Clerical Tasks
The job of a customer service representative may also involve clerical
responsibilities. Such duties may involve answering telephone calls and
making the appropriate transfers. For example, when a customer makes
an inquiry about Internet broadband, the representative can transfer the
call to a technical service representative. Other duties include processing
new client accounts, maintaining customer accounts, implementing
changes to existing accounts, and filing documents and other paperwork.
Job Specific Responsibiliites
Almost all types of organizations employ customer service representatives
and often their duties and responsibilities vary depending on the type of
the organization and industry. For example, customer service
representatives who work in banks may have similar duties to bank
tellers, counting money, cashing checks and servicing accounts. Those
working in insurance companies may be required to handle paperwork
dealing with policy renewals. Customer service representatives who work
for communication and utility companies may assist customers who have
outage or other service problems.

CREDIT DEPARTMENT

F u n c t i o n s o f C re d i t A d m i n i s t r a t i o n D e p a r t m e n t :

Basic principles of Loans & Advances:

Aggregate loans and advances shall not exceed the Banks net worth or 65% of
customers deposit whichever is lower (excluding loans and advances covered by
specific counter -finance arrangements).

Within the aggregate limit of loans and advances as mentioned in (1) above 50% of
lending will be small industry sector in accordance with prescribed norms of the
government and the Central Bank in terms of the banks objectives with 50% to the
commercial sector. No term loans will be approved for the commercial sector.
Exceptions will be rare and will require approval of the Executive Committee.

All lending will be adequately secured with acceptable security and margin
requirement as laid down by the Head office credit committee.

The bank shall not incur any uncovered foreign exchange risk (currency exposure) in
the lending of funds.

The Bank shall not incur any risk of exposure in respect of unmatched rates of Interest
 of funding of loans and advances beyond 15% of outstanding loans and Advances.
35

End - Use of working capital facilities will be closely monitored to ensure lending
used for the purpose for which they were advanced.

Country risk in loans and advances will be accurately identified and shall be within
the country limits if any approved for the bank. The same treatment will be given to
country risk arising out of contingent liabilities relating to Letters of credit and letters
of guarantee.

Loans and advances shall be normally funded from customers deposits of a

permanent
nature, and not out of short-term temporary funds of borrowings from other banks or
through short-term money market operations.

The aggregate outstanding loans and advances (excluding loans advances covered by
specific counter finance arrangement) shall be dispersed according to the follow in
guidelines (subject to item above whereby 50% of lending being to small industry
sector).

Spreads over cost of funds on loans and advances and commissions and fees on other
transactions

should be commensurate with the rating of the borrower, quality or risk and the
prevailing market conditions.

Credit risk evaluation will include an accurate appraisal of risk in any credit exposure
is highly subjective matter involving quantitative and qualitative judgments. The
financial statements of the borrower do not always provide a complete picture of the
borrower

CASH DEPARTMENT

Cash is the most volatile and liquid Current Asset of Banks Balance Sheet and as
such it demands special attention of Efficient Management. Cash Department plays a
paramount role in creating good perception among the customers about the services
of a bank. Cash in-charge, ideally a senior level officer with direct experience in cash
management shall be responsible in performing good cash management. good Cash
Management constitutes the following roles.

Receipt of Cash
Before receiving cash from depositors in Pay-in-Slip / Credit Voucher the concerned
cash official(s) shall:

1. Verify / check the (a) Title of Account, (b) A/C Number, (c) Amount in
 Words and Figures, (d) Date, etc. written on Pay in Slip / Credit Vouchers with
the records of computer program and shall satisfy on their correctness and
genuineness.
2. Carefully check and Count the Currency Notes
3. Write down denomination
4. Affix Cash Received stamp
5. Make entry of particulars of the Cash Received
6. Verify entries / Particulars of Pay-in-Slip / Credit Voucher with those of the
Cash Receiving Register
7. Keep Cash in the Drawer of Cash Counter under lock and Key (within Counter
limit) during transaction hours.
36

Payment of Cash

While Paying Cash against debit instruments namely Cheques, Demand Drafts (DD),
Pay Order (PO), Pay Slip (PS), SDR, FDR, etc. and also against other debit
instruments issued under scheme deposits of the Branch as well as Cash Debit
Vouchers, the following formalities have to observed.
Verify Genuineness & Authenticity of the instrument, make posting, passing &
cancellation of the Cheques and, thereafter, count relevant cash and note down
denominations there against on reverse/ back side of respective instruments/
vouchers.
Obtain 2nd signature of payee/ recipients on the back of the instruments,
affixing stamp and cancellation of instruments.
Enter particulars of instruments/ Cheque in Cash payment register in Serial
order and write down that serial number in a red circle to be made on the face of
the instruments.
And finally after completion of all above formalities the Cash official, upon
satisfaction, shall pay/ handover cash against the instrument/ cheque to the
payee/ Recipients.
However, paying cash official(s) shall hold all paid debit instrument(s) until
cash is closed and handed over to Cash-in-charge at the close of business.

Balancing of Cash Receiving Register

After receipt of total cash during the day the Cash Receiving Official shall (i)
aggregate the amount after the last entry in the Cash Receiving Register, (ii) write
down the total amount in words and figure under the summation and ensure that it
is okay and the figure agrees with the computer generated supplementary figure.

Balancing of Cash Payment Register

Paying Cash shall accomplish the following formalities:

Make date-wise entry of all payment Vouchers in Cash Payment Register in

serial order.
Make sure that total amount of such payments of the day agrees with the total
amount shown in the parallel computer generated supplementary.
 Write down the total amount of cash paid during the day both in words and
figures in Cash Payment Register and authenticate the same by full signature.

Writing and Checking of Cash Balance Book

After Balancing of (i) Cash Receiving Register and (ii) Cash Payment Register by the
respective Cash Officials, Cash In-Charge shall prepare and sign the Cash Balance
Book and shall submit the same to the Deposit In-charge/Manager Operation (MoP),
who, upon satisfaction about its accuracy and genuineness shall authenticate the
same by his / her countersignature thereon.

Checking / Closing of Cash and writing of Cash Position Memo

At the end of days Cash transaction Cash In-charge shall Count, Sort and Balance
the remaining cash (after receipt & payment) and shall prepare and sign the Cash
Position Memo. However, Deposit In-charge / Manager Operation shall check and
confirm that the figures mentioned in the Cash Position Memo agree with the total
figures of (i) Cash Payment Register, (ii) Cash Receiving Register and (iii) Daily
Affairs (cash in hand figure) and, upon satisfaction, shall authenticate the Cash
Position Memo by his full signature / countersignature.

Safe Custody of Cash (after transaction) over night

Cash balance of the counter at the end of a day together with Cash in Safe (if any)
shall be preserved in the Fire Proof Iron Safe of Branchs Vault for Safe-Triple-
Custody until next reopening of the Vault. But before storing cash in the Iron Safe,
the Triple Custodian shall additionally ensure that entire cash i.e. Closing Balance of
the day as per Cash Position Book (Balance Cash of Cash Counter and remaining
Cash Iron Safe) are accurate and correct.

Vault Register
Cash In-Charge shall Maintain Vault Register for keeping record of Cash Movement
to and from the Iron Safe. Denominations of Cash in Hand mentioned in the Cash
Balance Book must match with the denominations recorded in the Vault Register at
the end of days transaction.

Cash-in-safe, Cash-on-Counter and Cash-in-Transit Limit

Branch must handle cash within Cash-in-Safe, Cash-on-Counter and Cash-in-Transit
Limit duly approved by Head Office. Excess cash over the approved limit shall not be
held in the Branch at any time either on Counter or in Iron Safe. However, the Cash
In-charge, under due record & acknowledgment in the relevant register, shall
immediately move the Excess Cash of the counter, to the Strong Room during
transaction hours.

Cash Enclosure
Access of unauthorized person(s), including officials of other departments, to the
Cash Enclosure of the Branch, is strictly prohibited. Only the officials working in the
Cash Department shall have access to the Cash enclosure but normally they will not
be allowed to go outside the Bank premises until entire cash is balanced and handed
over to the Cash-in-Charge. Counting, Stitching / Banding of cash (as per
instructions / guidelines of Bangladesh Bank/ Head Office) should be made inside
Cash Enclosure by the concerned staff(s) who will not be allowed to leave Cash
enclosure until cash is duly handed over to the Cash-in-charge in his full satisfaction
& acknowledgement.

Safety / Security of Strong Room during Transaction Hours

Strong Room / Vault must be kept Closed / Locked during transactions hours under
Joint Control of two key holders from Triple Custodians and both the Joint
Controllers must be present whenever the strong room is re-opened during the Day /
Office Hours. Cash In-charge must keep his / her hand balance (exceeding counter
limit) in a steel box under lock & key in the strong room.

Maintaining vault limit

Branch has to ensure the vault/cash in safe limit as set by the Head Office time to
time. Cash in excess of vault has to be deposited immediately with BB/Sonali Bank or
designated cash feeding branch.

Security Measure of Cash-in-Transit

Branch shall ensure adequate and effective security measures while carrying cash to
and from link branches of the Bank and Bangladesh Bank / any other banks, where
the branch maintains Bankers Account.

Rotation of Cash Officers Duty

Rotation of duties between Paying and Receiving Cash Officials should be made at
regular monthly frequency.

Surprise Verification of Cash

Head of Branch (HoB) shall make surprise verification by physical counting of entire
Cash-in-Safe at least once a month and shall confirm its accuracy with the remarks
Entire Cash Checked and Found Correct on the particular page of Cash Position
Book under his / her signature.

Recording Denomination of Note(s) / Coin(s)

Cash at Bank (in hand, in iron Safe / Vault and on counter of Branch) is to be noted
down denomination-wise in Cash Position Book and that denomination must go with
the denomination to be recorded in the Vault Register at the end of transaction of the
day. Again, cash official shall record denominations of all the cash received and paid
daily on the back of each respective credit and debit voucher.

Packing / Banding of Currency Notes

Currency notes in till of the Branch are to be packed denomination-wise separately
with 100 pieces in each packet and those packets shall be stitched / banded as per
specification of Bangladesh Bank. A cash slip (fly leaf) bending at left side of each
packet is to be pasted and signed by the official who has counted / verified the notes
in the packet. Branchs rubber stamp (round seal) is to be affixed on both sides of
each packet covering part of Cash Slip (fly leaf) and a part of the currency notes. Cash
balance with less than 100 pieces notes (unstitched / unbanded) is to be kept
denomination-wise in separate loose packets. 10 packets of 100 pieces notes in each
packet (100 x 10) shall make a ring / bundle which should be tied up with rope and
stacked denomination-wise in Fireproof Iron Safe(s) under Triple Custody.

Soiled Notes
Branch, with due record in a register, shall always keep Soiled and Mutilated Notes
separated from the notes for circulation and shall arrange Change of the same at
necessary interval from Bangladesh Bank / Sonali Bank Ltd. / Main Branch of the
Bank to avoid irrational accumulation.

Forged Notes
Whenever a forged note is detected in branch the matter must be brought to the
notice of Head of Branch (HoB) for disposal in the light of directives issued by
Bangladesh Bank.

Coins to be kept in Bags

Coins should be kept denomination wise in bags of uniform size. A Cash Slip Form,
with description of the coin, signed by two officials who counted and checked them,
should be placed inside each coin bag. Bags full of Coins are to be stored in the Iron
safe in orderly manner.
All coin bags in Iron Safe are to be checked to ascertain genuineness and accuracy of
its contents.

Cash Shortage / Discrepancy

Any discrepancy in cash (excess payment / short receipt, forged, mutilated,
counterfeit, notes, etc.) should immediately be brought to the notice of Head of
Branch (HoB), who, upon its enormity, (particularly Cash shortage and forged
notes), shall inform Head Office right away. If shortfall is caused due to less receipt /
excess payment, branch authority shall recover the amount from concerned cash
official(s) and or from the concerned customer(s) if he is identified to be liable or
culpable. On failure to recover at the end of the day, the said shortfall shall have to be
covered / made up by debiting Suspense A/C Cash Shortage with the concurrence
of Head Office / Controlling Office. Outstanding entry so created in Suspense A/C
Cash Shortage shall have to be reversed at the earliest by recovering / realizing the
money from the delinquent official(s) and or customer(s) or from both as per their
involvement in the matter. However, Police Action, if required, shall be taken in
time against delinquent official(s) / customer(s) in concurrence with Head Office.

Purchase & Sale of Prize Bond:

When a customer placed the prize bond over the counter, cash official check the
authenticity of the prize bond. Then, he/she put the serial number of the prize bond
into the prize bond and in the purchase register. Then he/she issue cash debit
voucher and pay cash to the customer.

When the customer approaches the cash official to buy the prize bond, the cash
official receive the money in cash of the said prize bond. Then, he/she out the prize
bond from prize bond in hand register serially following first in first out (FIFO)
method. Then he/she issue cash credit voucher and handover the prize bond to the
customer.

Note: during the purchase and sale of prize bond, the cash in charge must sign the
register with counter sign by the Deposit in charge/Manager Operation (MoP).

Sales of Lottery Ticket

Banks usually serve some social activities such as selling tickets for the help of
thesociety.In this regard, branch always follow the instruction of Head Office.

Receipt of Utility Bills

Cash receiving officer receive the utility bills as per contract of bill authority
(BTRC/Grameen Phone/Titas Gas etc.). Cash receiving officer receive the utility bills
after proper stamping, affixing seal and sign on it. At the end of the day the entire
received amount deposited to a collection A/C & at the end of the month bank remit
the entire bill amount as per contract.

Receipt of Cash After Banking Hours (Evening Banking)

A particular branch, when licensed by Bangladesh Bank, for Evening Banking
Operation shall receive cash within fixed period of time after closing of the normal
transaction of the day by observing the following procedures:

Procedure for receiving cash shall be the same as explained earlier under the
caption, Receipt of Cash. A separate Evening Banking Cash Receiving Register
called Evening Banking Register have to maintain.
Cash received during Evening Banking Hours together with the relevant
Deposit Slip / Pay-in-Slip is to be preserved separately in the Iron Safe within the
strong room under Triple Safe Custody as per usual banking practice.

40
RECOVERY DEPARTMENT
In the Recovery Department we have done a lot of things. Our manager
Assigned us a work in the field. In this field we have given a address of
that default person who have take a loan from KCC Bank but they not give
installments in proper time. Our work is just inform him give installment in
timely other wise they have give installments + Penalty.
WEEKLY PRACTICAL WORK REPORT IN DETAILS

1st WEEK : ( 3-10 june )

Work Assignment : Know about the Bank Management System.

Objective :

In the first week we have to assigned a work of know about the bank. In
this work we have know the history about the bank. & also know about the
how is it work

Learning of the week :

I have know about a lot of things in this week like as how the bank can
perform all the operations

2nd WEEK : (10-17 June)

Work Assignment :How to opening a New Accounts in Bank :

Objective : To gain the Practical Knowledge Of opening a Accounts

:

This is the primary and

important function of bank employees. Also it is my objective of how to open a new
accounts.
Accounts are not personal also take different type accounts internship period.

Learning of the Week :

I learn about how to open a new bank account . In this stage, I follow some
steps :
1. Fill up the personal details of customers in application form i.e.
a. Name , Address , Contact No. Id Proof etc.
2. Type of account will be open by customer i.e.
a. Saving Account,OR Current A/c.
b. RD A/C OR FD A/C.
c. Loan A/C.
3. PAN Card Number ( If any)
4. KYC i.e. Aadhar Card Number .
5. Nominee of Account and Fill the details of Nominee.
6. Signature of Accountholder and their Nominee.
7. After Fill the Application form Enter the details of Management system on Different
screens
and Scan the Documents and open the account some rupees.
8. After provide the Bank Passbook of Customer.
33
So, bank account is the most important work in employees and I gain more knowledge about
this work and accomplished by successfully.

WEEK 3rd : ( 17-24 June)

Work Assignment : Loan Providing Services.

Objective : To Know how to provide a different types loans by bank :Loan is the another
importance

function of the banking organization. In this week, I focus on the loan, because I know about
the loan
procedures and I am interested to know bank how to provide a loan . Because Loan is the
source of
income generation and bank maintain the NPA Management Policy through the loan.

Learning of the Week : In this week, I achieve that THE KCC Bank What types
loans are provided
the customers. The following loans are provides are follows :

Types of Loans Providing The KCC Bank Ltd.)

Maximum Credit Limit

1 Kisan Credit Loan :

Crops Loan . (Agricultural Activities)
Allied Activities.
12 Months 10000 Not more than 25,000

2 Vehicle Loan
Two Wheeler and
Four Wheeler
7 20 Years 5,00,000 ( New Car) or
2 times of the Annual Income

3 Consumer Loan 5- 7 Years 3,00,000 not less than 35 % of

Gross Salary.

4 House Loan
Construction and Repair.
Purchase of Land and Flat.
15- 20 Years 5,00,000 or 35 % of Gross
Salary ( New House)

5 SSI Loans ( Small Scale Industries)

New Entrepreneurs
Expansion Of Business.
5-10 Years 25,000 5,00,000

6 SCC ( Swarojgar credit Card Scheme) 5 Years 25000

7 Education Loan 5 Years 25,000 5,00,000 or

4th WEEK ( 24-1 July)

Work Assignment : Prepare the Cash Report and How to Cash

Dealing

Objective : To Achieve the Knowledge About Cash Department: It is

the important part or
function of bank ,because without cash has been no transaction of banking system. It is also
involves
the collection, handling, usage and cash flow liquidity. So it is very importance to know me
about
banking cash system.

Learning of the Week : In this week , learning that how to entry of Receipts and
Payment of cash
register. And also learn how to dealing with customer . Also I interact with customer and
practically
some work with Cashier in Bank. So I Prepare Daily cash balance report. This tool is
especially useful
when entering a situation where active cash management is required for your daily cash flow.

5th WEEK ( 1-8 July)

Work Assignment : How to transfer of money due to Che ques.

Learning Of the week : In this week , learns that how to transfer the amount of one
account holder to
another account holder. In this transactions are following accounts are Dr. & Cr.

6th WEEK ( 8-15 July)

Work Assignment : Distribution Activities

Objective : To Gain Knowledge about Account Statement ,How To work in Customer

service
Dpartment.

Learning of the Week :

Distribution Function in mainly three types which are mention below :
a. Account Statement .
b. Cheque Book Distribution .
c. ATM Distribution.

7th Week (15-17 July)

Work Assignment: Distribution Activity

Objective: To open a different Bank Account

Learning of the week: I have learn in Brief of bank account

 CHAPTER 3
RECOMENDATIONS
&
CONCLUSION

OVER ALL EXPERIENCE & LEARNING DURING THE

TRAINING

During my 45 days Training I have learnt a lot of things. Because I have

never work in banks before my training. The over all experience of my
training is to good. I have also learnt the working of the banking . I have
perform the different operations.

1. I have work in different departments

2. During my training I have learnt that how to perform bank operation.
3. During my training I have learnt that the various services given by
bank to customers

Recommendation

I have work in Kangra Central Co-operartive Bank kuthera. I want to

Recommendation made to KCC Bank for the purpose of high
achievements. Bank have to organize some camps to the publics and
starts various schems by banks to the public. The bank have to increase
there ATM facility to the publics.
They have to work hard for making high profits.The NPA (Non Performing
Assets) of this bank is 15%. And according to the rule of RBI (Reserve
Bank Of India) if the bank have NPA is more than 10% The bank can not
be open new branches. Then bank can have decrease there NPA.
 CONCLUSION

I have done 45 days training in Kangra Central Co-operative Bank Limited

Branch Kuthera. I have learnt a lot of things in bank. During my training I
also learnt that how the bank perform its operation. What are the terms. &
Conditions give by bank to his customer. I have also work in different
departments. During working in different departments I have gain a
knowledge in different departments like Customer Service Department,
Cash Department, Credit Department, Recovery Department.

REFERENCES

Bulkaliya, R.(2012),

Day . J. (Jan. 2017),

.
T. Subramanian ( New Age Publication, 2010)

Dr. R S Singla ( VK Publication, 2013)

CR Kothari, Research Methodology (2004)

THANK
YOU
Roll No. 16010280
Gautam Group Of College Hamirpur