LIST OF CONTENTS

SR. NO. PARTICULARS PAGE NUMBER

Declaration III
Acknowledgement IV
Preface V
List of Tables VI
List of Figures VII
1. Chapter 1
1.1 COOPERATIVE BANKING 1-4
A. Cooperative Movement In India
B. Cooperative Banking In India
C. Structure Of Cooperative Banking In India

1.2 RESERVE BANK OF INDIA

A. Organization & Functions 5-6
B. Policies Regarding Cooperative Banks

1.3 COOPERATIVE BANKS

A. Introduction 7-9
B. Principles, Features & Types
C. Functions & Problems

1.4 KCCB LTD.

A. Introduction & History 10-23
B. Organization Structure
C. Offices Of The Bank
D. Financial performance of KCCB
E. SWOT ANALYSIS OF THE KCCB

2. DETAILED STUDY OF PROJECT 24-31

Chapter 2: Home & Education Loan
A. Abstract
B. Introduction
C. Objectives Of the Study
D. Home Loan
E. Education Loan

3. Chapter 3: Consumer Preferences for Loans 32-43

A. Research Methodology
B. Data Analysis & Interpretation

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4. Chapter-4: Retailing Work 44-47
A. Retailing in KCC Bank
B. Objective of Retailing
C. Product and Services
D. Services charge and cooperate tie up
E. Internet banking of KCCB Ltd.

5. Chapter-5: Findings, Suggestions & Conclusion 48-51

A. Findings Of The Study
B. Suggestions
C. Comparison With Other Banks
D. Conclusion

6. Bibliography 52-53

7. Appendix: QUESTIONNAIRE 54-56

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 Declaration

I,Abhishek Singh Pathania, student of Himachal Pradesh University Regional Centre Dharamshala, do
here by declare that this training Report relating to the topic “CUSTOMERS’ AWARENESS ABOUT
LOAN SCHEMES AND RETAILING WORK OF KCC BANK” has been prepared by me after
undergoing the prescribed study, as part of the requirements of the MBA Programme of Himachal
Pradesh University Regional Centre Dharamshala (Batch of 2015–2017).

I further declare that this project report has not been submitted earlier to any other University or Institute
for the award of any Degree or Diploma.

Abhishek Singh Pathania

Place: Dharamshala

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 Acknowledgment

This study was made possible with the consultations, support and kind opinions from several people. So
with immense gratitude, I acknowledge all those, whose guidance and valuable inputs have helped in the
materialization of this training.
I would also like to pay my gratitude to Director, Regional Centre Himachal Pradesh University
Dharamshala, for providing me with the opportunity to carry out this dissertation.
I would like to say thanks to Mr. Harish Walia (Asst. Manager) at KCC Bank, Head Office, Dharamshala
for providing me training and supervision.
I am indebted to Dr. Sachin Kumar, Assistant Professor, Department of Management Studies, Himachal
Pradesh University Regional Centre Dharamshala, for his unfailing support throughout the study. His
timely suggestions and novel ideas provided a better insight for the study.
I am also thankful to Dr. Manoj Sharma, Coordinator, Department of Management Studies and all the
faculty members for their kind guidance.

I thank all my friends, whose help and suggestions, have helped shape my dissertation into what it is
today.
Finally, I am immensely grateful to my family for their constant encouragement and support.

Abhishek Singh Pathania

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 Preface

Management of Modern business requires an opportunity of multidisciplinary concept and in depth

knowledge of specific analytical tools, geared to the solution the real life problems. No doubt every real
situation is unique but a set of theoretical tools of knowledge, itself based on empirical foundation can
help in developing the mechanism for handling such situation. So the MBA curriculum has been desired
to provide to the future manager sample practical exposures to the business world.

Summer training is essential for the fulfilment of MBA curriculum. It provides an opportunity to the
student to understand the industry with special emphasis on the development of skills in analysing
interpreting practical problems through application of management.

The essential aim of management should be to assist management in decision making and improving the
efficiency of the organisation.

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 List of Tables
SR. PARTICULARS PAGE NUMBER
NO.
1 TABLE 1.1: Financial position of the bank as on March 13
31, 2012
2 TABLE 1.2: Financial Performance in Terms of Deposits 14
3 TABLE 1.3: Financial Performance in Terms of Loans 15
4 TABLE 1.4: Financial Performance in Terms of 16
Investment
5 TABLE 1.5: Financial Performance in Terms of Profit 17
6 TABLE 1.6: Balance Sheet 18
7 TABLE 1.7: Profit & Loss Statement 19
8 TABLE 3.1: Preference of the customers for the Loans 34
9 TABLE 3.2: Range of Amount of the Loans 35
10 TABLE 3.3: Preferable Term of Loans 36
11 TABLE 3.4: What prompted the customers to take loan 37
from cooperative banks?
12 TABLE 3.5: Average Time taken for the Processing of 38
the Loan
13 TABLE 3.6: Ranking of the Facilities provided by the 39
Bank
14 TABLE 3.7: Customer’s ranking for Service of the Bank 40

15 TABLE 3.8: Satisfaction of the customers with the 41

amount & period of Instalment
16 TABLE 3.9: Preferable banks for Borrowing Facilities 42

17 TABLE 3.10: Customers who would like to refer this co- 43

op. bank to their friends and relatives

Page | VI
 List of Figures

SR. PARTICULARS PAGE NUMBER

NO.
1 FIGURE 1.1: Financial position of the bank as on 13
March 31, 2013
2 FIGURE 1.2: Financial Performance in Terms of 14
Deposits
3 FIGURE 1.3: Financial Performance in Terms of Loans 15

4 FIGURE 1.4: Financial Performance in Terms of 16

Investment
5 FIGURE 1.5: Financial Performance in Terms of Profit 17

6 FIGURE 3.1: Preference of the customers for the Loans 34

7 FIGURE 3.2: Range of Amount of the Loans 35

8 FIGURE 3.3: Preferable Term of Loans 36
9 FIGURE 3.4: What prompted the customers to take loan 37
from cooperative banks?
10 FIGURE 3.5: Average Time taken for the Processing of 38
the Loan
11 FIGURE 3.6: Ranking of the Facilities provided by the 39
Bank
12 FIGURE 3.7: Customer’s ranking for Service of the 40
Bank
13 FIGURE 3.8: Satisfaction of the customers with the 41
amount & period of Instalment
14 FIGURE 3.9: Preferable banks for Borrowing Facilities 42

15 FIGURE 3.10: Customers who would like to refer this 43

co-op. bank to their friends and relatives

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