Submitted to Submitted to

Dr.Liaqat Ali Amardeep Singh

18421078
 A cooperative bank is a financial entity which
belongs to its member , who acts the same time the
owner and customer of the bank. Cooperative banks
often created by the persons belonging to the same
local or a professional community or sharing a
common interest. It generally provides their
members with a wide range of banking and financial
services like loan, deposits, banking accounts etc.
  In rural areas  In urban areas
1. Farming cattle 1. Self employment
2. Milk 2. Industries
3. Personal finance 3. Small scale units
4. Home finance
5. Consumer finance
6. Personal finance
  Deposits  Services
I. Saving bank account I. Clearing
II. Current account II. Safe deposit locker
III. Recurring deposit III. ATM
IV. Fixed deposit IV. Demand draft/pay order
V. Cash certificate
 Loans
I. Loan to salaried employee
II. Home need loan
III. Education and housing
loan
SAVING ACCOUNT
Single type of Saving account
Low opening charge
Bank provide various banking facilities like atm etc
It is simplest deposit available to depositor
It is easy to operate there term and conditions are simple to understand to facilitate
layman s language
The minimum balance is required for saving account is Rs thousand with cheque book
and rupees five hundred for saving account without cheque book facility
A minor not below fourteen year of age can also open an independent savings a/c
without cheque book facilities
Current account
 Current deposit a/c can be opened by sole propetier / partnership firm , private
and public ltd companies , trusts , individual , societies etc.
 The minimum balance required to open this a/c rs.3000
 Bank provide overdraft facility

RECCURING DEPOIST ACCOUNT

This type of account encourages people to save for future necessity like , to create a
fund for your children education are marriage or to buy a car for a dream holiday.
This type of account have the highest rate pof interest
Minimum amount required to open rd account is Rs hundred
the deposit time period is minimum 12 months and maximum 60 months
Fixed account
 This type of account is to create for a buffer fund for
your future requirement like childern marriage ,
education , marriage , or to buy a car to open a
saving bank account and place fund in flexi depoist
scheme . Where in term is not fixed and provide
liquidity as well as beneifit o higher returns
 The deposit time period maximum 60 months
 Interest Rate
Maturity Period Deposit Amount
General Senior Citizen

15 lakh and above Less

7 days to 29 days 4.00 4.00
than Rs. 1 cr

15 lakh and above Less

30 days to 60 days 5.00 5.00
than Rs. 1 cr

15 lakh and above Less

61 days to 90 days 6.00 6.00
than Rs. 1 cr

15 lakh and above Less

91 days to 180 days 6.25 6.25
than Rs. 1 cr

181 days to less than 1 15 lakh and above Less

6.50 6.50
year than Rs. 1 cr

15 lakh and above Less

1 year to 3 years 7.90 8.15
than Rs. 1 cr

Above 3 years to 5 15 lakh and above Less

7.75 8.00
years than Rs. 1 cr

15 lakh and above Less

Above 5 years 7.90 8.35
than Rs. 1 cr
 Clearing is a method of funds settlement between
banks
 Clearing inward –it means cheque of a bank which
is presented by other banks to it for payment
purchase.
 Clearing outward –it means cheque by which our
bank presents to other banks for payment to our
customers.
 A savings account is a basic type of bank account
that allows you to deposit money, keep it safe, and
withdraw funds, all while earning interest. Savings
accounts offered by most banks, credit unions, and
other financial institutions are FDIC insured and
typically pay interest on your deposits.
 A credit facility is a type of loan made in a business
or corporate finance context, such as revolving
credit, term loans, and committed facilities
 Personal loan scheme
 Loan for purchase or construction
 Vehicle loan (For personal or commercial use)
 Home loan
 Educational loan
 Agriculture loan
 Under this scheme the loan is provided for fulfillment of
personal and family needs by taking care of refund capacity
of applicant. The applicant can enjoy this facility by
following two types-
 Term loan for maximum 5 years.
 Renewal of Credit limit each year according to last year’s
transactions.
ELIGIBILITY:-
 Domicile Dhuri city whose age is between 21to 55 years.
 Employee of Government/ self governed, semi government, leading banks, urban
cooperative bank/court, financial institution, education institutes etc.
 The self employed person who earns fixed income and files income tax return
also having PAN card.
 Organizer of standing committee.

LOAN/ CREDIT LIMIT:-

 Maximum loan amount is 2 lacks.
 8 times of Gross Monthly salary or rs.2 lacks whichever is less.
 In the case of businessman/ professionals the calculation of average monthly
salary is to be done according to the IT return of past three years.
 15 times of monthly salary of manager of selection committee or 2 lacks
 Whichever is less
 INTEREST RATE:-
 According to the decision taken by bank the rate of interest is 16%.

 RECOVERY OF LOAN:-
 Maximum 5ve years, in the case of employee 5ve years or date of retirement whichever is earlier.
 The advance cheque is taken according to EMI installments of other banks.

 FOR SECURITY OF LOAN:-

 The bank requires the guaranty of 2 persons having creditability of loan amount who are recognized by
bank.
 The collateral security is also accepted by bank in the case of non remunerated and employer who
having loan of more than 50000 and lake of contract of direct recovery.

 DOCUMENTS REQUIRED FROM APPLICANT:-

 Photo of applicant
 Residential proof
 Two guarantors
 Income certificate of applicant and guarantor
 In the case of salaried employee the guarantee certificate passes by his employer.
 In case of loan amount which is more than 50 lacks the evaluated rate of fixed assets for mortgage.
 The nominal membership fee and deposit amount.
 Under this scheme an applicant may apply for loan related to purchase of
a plot, construction of a building, purchase and repairs of building.

LOAN/ CREDIT LIMIT:-

 Maximum loan amount is 15 lacks for loan related to purchase of a plot,
construction of a building, purchase and repairs of building.

INTEREST RATE:-
 The interest rate is 10.50% in the case of normal purchase or repairs of
plot and in the case of purchase or repairs of commercial building, shops
the rate of interest is 14%.
 For personal use - Under this scheme the loan is to
be given for four wheeler (car, jeep etc.) for
personal use only.
 For commercial use -Under this scheme the loan is
provide for purchase of any vehicle for commercial
use.
LOAN/ CREDIT LIMIT:-
 The loan provides up to 5 lacks for purchasing of four wheeler for
personal use.

INTEREST RATE:-
 The rate of interest for four wheeler is 14%.

TIME PERIOD OF THE LOAN:-

 The time limit set by the bank authority for this kind of loan is
maximum 7 years.

FOR SECURITY OF LOAN:-

 The bank requires the guaranty of 2 persons having creditability of
loan amount who are recognized by bank.
 LOAN/ CREDIT LIMIT:-
 The loan provides up to 10 lacks for purchasing of four wheeler
for commercial use.

 INTEREST RATE:-
 The rate of interest for four wheeler is 14%.

 TIME PERIOD OF THE LOAN:-

 The time limit set by the bank authority for this kind of loan is
maximum 7 years.

 FOR SECURITY OF LOAN:-

 The bank requires the guaranty of 2 persons having creditability of
loan amount who are recognized by bank.
 This loan scheme is for:
 Purchase or construction of plot/building for the
persons having regular income and loan for take
over the current loan account for different financial
institutes.
 Construction or purchase of building for
Commercial use, business use, shops, showrooms,
warehouse etc.
 Repairing, expansion, and renovation of Home/
commercial building.
LOAN/ CREDIT LIMIT:-
 The loan limit is up to 15 lakes
 Rs. 2 lakes in the case of repairs
 The margin would be 20% up to 2 lakes and 25% in the case of above 2 lakes
 There should be no margin in fee cost in the case of plot replacement and tere should be
repayment in 3 installments after fully utilization of his contribution of loan in the case of
construction.

INTEREST RATE:-

 FIXED RATE OF INTEREST:

 Up to 5 years 10%
 From 5 to 10 years 10.50%
 Above 10 years 11%

 FLEXIBLE RATE OF INTEREST:

 Up to 5 years 9.50%
 From 5 to 10 years 10%
 Above 10 years 10.50%
 Agriculture loan is given to existing or prospected farmers for there need of
finance for puchase of agriculture ,land , equipments and maintaing or also
operating of agrilculure actvities
 Agricultural loans are any loans that are availed by a farmer to fund seasonal
agricultural operations or related activities like animal farming, pisci-culture or
purchase of land or agricultural tools. ... In India, most of the commercial
banks, co-op societies and rural banks provide agricultural loans to farmer
 Eligibility
 Farmers who have availed crop loans from our Bank.
 Farmers who have availed crop loan /credit facility from any bank and
the accounts are regular.
 Traders holding valid license and carrying the trade for minimum one
year
Purpose
 Credit facility to farmers to avoid distress sale.
 Credit facility to Traders to meet working capital need.
Loan Amount
 Minimum Rs.10000/- and Maximum Rs.100 lakhs against warehouse
receipt of CWC/SWC or any national multilevel MCE approved
warehouse.
 This loan is for pursuing higher studies by their
children.
 Students who have got admission to some
professional or other courses and whose prospects
of getting employment are very good.
 LOAN/ CREDIT LIMIT:-
 The maximum limit of loan is Rs. 3.00 lakes per borrower.
50 times of the gross monthly salary of the applicant or Rs.
10.00 lakes whichever is less ensuring 35% take home salary
by the loan after payment of installment of loan.

 INTEREST RATE:-
 The rate of interest on such loan is 12%.

 TIME PERIOD:-
 5 years after the borrower gets employment or one year after
completion of course whichever is earlier.
 The Dhuri central cooperative bank provides some other kind of loans
also like
 Loan for Self employment (@14%).
 Loan for farm sector (@13%),
 Loan for cooperative society/marketing society (@14%),
 Computer loan (@8%),
 Loan for farm sector (@13%)
 Loan for non farm sector (@14%)
 Krishak mitra cooperative credit (@7%)
 Cooperative society/marketing society credit limit (@ 14%)
 National saving certificate/ kisaan vikas patra (@ 12%)
 National saving certificate/ kisaan vikas patra (for staff)(@8%)
 Loan to bank staff for computer (@12%)
 Agriculture loan (up to 50000/-) (@12%)
 Non agriculture loan (up to 50000/-) (@13%) etc.
Repayment of internal loan –
1. Regular

2. Irregular

3. Overdue

Amount per installment (rs)____/-

FORMAT OF PROJECT REPORT:-
 The report is exploratory and descriptive in nature.

 This report is going to describe various loans

provided by Jodhpur central cooperative bank hence
it is a descriptive in nature but it suggests some
important points to improve the services of the bank
so it is exploratory in nature also.
 Do you have any bank account ?
1. Yes
2. No
60

50

40

30

20

10

0
lack of knowledge Awareness
Mode of repayment period ?
1. Monthly
2. Quarterly
3. Biannual
4. Annual
80

70

60

50

40

30

20

10

0
fully reapaid being repayed not yet started
 Did you have satisfaction of loan amount ?
1. Satisfied
2. Dissatisfied
3. Not aware
80

70

60

50

40

30

20

10

0
fully reapaid being repayed not yet started
 Difficulties faced at the time of getting loan ?
1. Lack of Knowledge
2. Awareness
3. Manipulation
60

50

40

30

20

10

0
lack of knowledge Awareness manipulation
 Status of recovery ?
1. Fully repaid
2. Being repaid
3. Not yet stared
80

70

60

50

40

30

20

10

0
fully reapaid being repayed not yet started
 Are you satisfied with our bank ?
1. Yes
2. No

60

50

40

30

20

10

0
lack of knowledge Awareness
 Research refers to a search for knowledge .
Research is scientific and systematic seaech for
information on specific topic .
 Research methodology is a way to systematically
solve the research problem.
 Types of marketing research
 Primary research
 Secondary research
OBJECTIVE OF STUDY :-
 The objective of research is as follows:

 First objective is to find out various loan schemes

provided by the bank.
 To learn various aspects of loan provided by bank.

 To know the problem faced by customers when

obtaining the loan.
  Rural areas  Urban areas
a. Slow progress a. Absence of branch
b. Limited scope of banking
investment b. Restriction to open new
c. Delay in decision banks.
making c. Low coverage of
d. Lack of training population
facilities d. Clearing house facilities
e. Poor recovery rate e. Untrained staff
 The study concludes that Cooperative Bank, which was established for mainly for the service of rural
sector, still is not on the line to its goal. It is lacking at various elements, particularly at the branch levels,
which reveals the edge of other public and private sector banks over the Cooperative bank, the lines at
which the bank is lacking behind. Indiscipline and lack of commitment in these banks make people’s
trust in the cooperative sector a casualty.
 Some of the co-operative banks are quite forward looking and have developed sufficient core
competencies to challenge state and private sector banks. But there is shortage of staff in this bank and
the traditional manual banking which is affecting the business and customer services. People are still
unaware of the services provided by the Cooperative Banks due to lack of advertisement.
 There is a need to analyze and pick up early warning signals. A change is needed today in the
cooperative banks which is built on confidence in human capital - the most important of all resources - in
commitment, creativity and innovation brought about by proactive management, membership and
employees. The ability to capture knowledge and wisdom gives cooperative banks their competitive
advantage. A prerequisite is that participants from all parts of a cooperative organization know and
understand its purpose, core values and visions.
 In this way, by keeping in mind the certain shortcomings, appropriate measures to overcome them should
be adopted. So that the real purpose of the Cooperative bank must be realized with a competitive
advantage and the gap between the customer perception of the Cooperative Bank and the other private
and public sector bank, can be reduced.
