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A
PROJECT REPORT
ON

LOANS AND ADVANCES


THE MUSLIM COOPERATIVE BANK LIMITED
PUNE
SUBMITTED TO

UNIVERSITY OF PUNE
BY

ARIF INNUS MUJAWAR


MBA II
IN PARTIAL FULFILLMENT
OF THE REQUIREMENTS OF THE

MASTER OF BUSINESS ADMINISTRATION (MBA)

MCES
ALLANA INSTITUTE OF MANAGEMENT
SCIENCES
PUNE 411001
*2007 2009*
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C E R T I F I C AT E

This is to certify that the Project Report titled LOANS AND ADVANCES
is a work carried out by
of MBA II of our
of

the MBA degree

ARIF INNUS

MUJAWAR student

Institute in partial fulfillment the requirements


of the

University Of

Pune . He has worked

under our guidance and supervision .

Dr. K.K.SINGH
Prof. Zafir
Director Internal Guide
Date :
Date :
Place : PUNE
Place : PUNE

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D E C LAR AT I O N

This is to certify that the Project LOANS AND ADVANCES is entirely done

by me except taking into account the internal guidance under Prof. Zafir and

Mr. Amir Usman Magdum (Branch manager) Muslim Co-operative Bank Ltd.

it is an authentic effort put in by me.

ARIF INNUS MUJAWAR


(ALLANA INSTITUTE OF MANAGEMENT SCIENCES)

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ACKNOWLODEGEMENT

The preparation of this project report has been made possible through the direct
and indirect co-operation of various Organization , to whom I wish to express
S
my appreciation and gratitude.
I am grateful to Mr. AMIR USMAN MAGDUM (Br.Mgr.) for giving me the
opportunity to undertake my summer training in MUSLIM CO-OPERATIVE
BANK LTD. PUNE.

I am also thankful to the other employees of the organization who in their own
capacities have helped me to successfully complete my project.

I owe my profound gratitude to my Project guide Prof. Zafir for his


suggestions and guidance in the completion of this project report.

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EXECUTIVE SUMMARY

THE STUDY OF LOANS AND ADVANCES was the project undertaken as a


part of the academic requirement of the two year MBA course and was
conducted for MUSLIM CO-OPERATIVE BANK LTD. PUNE.

The main objective of project was to study the loan and advances provided by the
MUSLIM CO-OPERATIVE BANK LTD. PUNE and to comment on the
interest rates applied on different loans and advances.

This project aims at analyzing the issuance of different loans and advances
provided by MUSLIM CO-OPERATIVE BANK LTD. PUNE

The objective of the project was tounderstand the concept of loans and advances
rate of interest,sanction,security,maturity time , and formalities to be followed.

The project was carried out from 2

nd

st

of June to 31 July 2008 under the guidance

Of Mr.Amir Usman Magdum (Branch Manger)

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INDEX

SR. NO.

TOPIC

INTRODUCTION
a) Background of the study
b) Objectives of the study
c) Scope of the study
d) limitation
COMPANY PROFILE
a)Company History
b)Corporate overviews
c)Organizational Hierarchy

THEOREITICAL FRAMEWORK

RESEARCH METHODOLOGY

PAGE
NO.

a) Meaning of research
b) Method of data collection
DATA ANALYSIS AND
INTERPRETATION

CONCLUSION

SUGGESTIONS

QUESTIONNAIRE

BIBLIOGRAPHY
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INTRODUCTION
Loans and advances are the most important aspect of any banking organization .
Loan is a type of debt. Like all debt instruments, a loan entails the
Redistribution of financial assets over time. The borrower initially receives
An amount of money from the lender, which they pay back , usually but not
Always in regular installment , to the lender . This service is generally
Provided at a cost , referred to as interest on the debt . A sum of borrowed
Money (Principal) that is generally repaid with interest . Loan to Value
Ratio the relation between the amount of the mortgage loan and the appraised
Value of the property expressed as a percentage.
Lock lenders guarantee that the mortgage are quoted will be good for a specific
Number of days from day of application . Money Margin, the amount of a
Lender adds to the index on an adjustable ratio mortgage to establish

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The adjusted interest rate . ADVANCE is a term that describes a secured loan
Made to a member. Advances are offered at fixed or floating rates with specific
Maturities or with embedded options for early redemption .
There are different types of loan offered by a bank . Different loans fetch a
different rate of interest and have different securities against them.

CONSUMER LOANS

HOUSING LOANS

CAR LOANS

EDUCATION LOANS

LOAN AGAINST MORTAGE

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BACK GROUND OF THE STUDY


No one can say for certain where the history of loans began its likely that
people have been practicing lending and borrowing for as long there has been a
concept of ownership.

The history of loans and advances can be documented at least several thousand
Years back forms of lending were evident in ancient Greek and Roman times ,of
course it is, however ,important to realize that lending started much earlier than
many people would imagine and has its origin in much older times .

Indentured loans
One of the early forms of lending that should be explored in the history of loans
Is the indentured loan (also known as indentured servitude,) Initially

practiced

th

In the middle ages and through the 19 century by landowners and the wealthy

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indentured servitude allowed poor individuals to borrow the money needed for
major expenses such as travel and real estate once the land owner or wealthy
individual had secured a ship passage or piece of real estate for an individual,
that would then have to work off real estate for an individual that individual
would then have to work off their debt over the course of several years.
unfortunately , many a times

the land owner was very

greatly inflate the debt or would continue to

dishonest and would

add provisions to the debt long

after it had been repaid . Indentured servants often had very few rights, and
were seen by some wealthy individuals as a
after slavery had been abolished

way to maintain slave labor long

in both Europe

and

the United States.

Banking Loans
Luckily legitimate banks were developing even as indentured servitude was

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rampant. individuals known as money lenders played an important part in the


history of loans in fact, its from the Italian moneylenders of the middle
ages that we get both the English words banks and bankrupt that we use
today.

Indian moneylenders would set up benches in the local marketplace (with the
word for bench being banca from which, we eventually derived the word
bank ) The moneylenders

would charge interest on

their loans at a rate

that they set, and would sometimes be quite successful and become very wealthy.
As an interesting side none

to the history of loans, if the moneylenders were

not successful, though, theywould break up their benches and pursue other venues.

The Latin expression for breaking up benches in this way was bnaca rupta ,
(which carries a much steeper connotation than simply a broken bench .).

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Modern banking loans


Of course , the history of loans has

progressed quite a bit from the days of

the middle ages moneylender. Interest rates are much more controlled , loan
terms have a much higher degree of fairness to them , and banks

of out era

arent out to simply get as much

they

money out of borrowers as

can

The modern banks , finance companies , and online lenders that provide loan
to the public and private
and are

sectors provide a great service to the world economy,

regulated by both local and governmental policy so as to make sure

that nothing interferes with that service.


However , if

not for some of the oppression and misdealing

Through the history of

that was present

lending then fairness and opportunity that exists in

Banking today might not be possible.. even the oppression that resulted from

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Indentured servitude in the past helped to establish modern banking by showing


What factors needed to be eliminated so as to benefit both lender and borrower.

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OBJECTIVES OF THE STUDY

1 To assess the different interest rate on the different loans schemes


Provided by the bank .

2 To study different loans provided by the bank.

3 To assess the total loans provided by the bank in a nutshell as well as


Individually that is car loan, housing loan, personal consumer loan and
Other schemes .

To study the process and formalities that needs to be completed


for acquiring the loan.

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SCOPE OF THE STUDY


To be competitive in modern banking / corporate world , constant Capital flow
is essential. Whether to expand business or to relocate production
unit to some other place

of cost effectiveness, you require finance is required.

Its not always possible to fund them through

internal sources. A delay of a

few days can cost millions.


To make an your enterprise successful and to run a your business strategically,
a secured business loan is an option worth trying for. Life can take an adverse
turn at any moment. We cant be certain about our future responsibilities and
obligations. In an hour of need, we look for various

options to raise money.

Many new ways have been evolved to raise money, but as a human being ,
we tend to rely on the most favored options. A secured loan provides easier and

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way to acquire loan. One can easily plan his future investments and
can easily fulfill his requirement and needs of life without risk.
Loan like housing loans, car loans, educational have helped people fulfill their
needs with ease.

BENEFIT TO THE LENDER

The lender of the loan

gets the desired rate of

He/ she has

borrowed.

The lender

can plans his investment and can

returns on the investment to be utilized in the


good reputation

interest on the amount

earn good
future and can build a

in the market.

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BENEFIT TO THE BORROWER

The

advantage with loans is that you can design your repayment period

as

well as monthly installments according to your financial capacity .

A secured

business loan comes at a lower interest rate when compared

with other

business loans . As these loans are taken against collateral,

any

default in repayment can put the commercial property at risk.

Interest
offered onare
secured
business
loan is variable
and easily
affordable.
Suchrates
opportunities
provided
to entrepreneurs
to encourage
them and ultimately enhance the economy of the region. By promising
business or industries, local government can even eradicate unemployment
and improve overall standard of living.

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LIMITATIONS
My research was limited because of the fact that the major source of data
was from the annual reports of the company, which were subject to accounting
policies and practices followed by the company.
The major limitations are :

1 Due to strict confidently policy of the company the accounts


departments provided only screened information.
2

Accuracy of the data provided cannot be guaranteed which does

Not give a clear idea about the actual functioning of the bank .
1

Due to busy schedule of advance manager , the companies


financial statements obtain secondary data .

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ORGANIZATION
PROFILE

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The Muslim co-operative Bank was started in the year 1931. Earlier

it was

a credit society , and then it converted itself into a co-operative bank in the year
1936 , registered and incorporated. Mr. Ramzan Umar Shaikh and Abdul Kadir
Ebrahim

established the Muslim national co-operative bank in the year 1931


th

on May 25 today the bank is officially recognized as The Muslim co-operative


Bank Ltd.

Important aspects of the Bank

The Bank has been established to focus on the local needs of the
communities specially the minority community, which is considered as
economically and educationally backwards.

To engage itself in creating


deposits and lending the

awareness for saving by means of colleting


same to theneedy people

of the minority

community.

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It is a voluntary organization open to all people irrespective of gender ,


social , political , and religious persuasion.

The tradinational role of the bank is to provide financial intermediation


between the depository and the borrower.

The Muslim co-operative Bank has in all 18 branches in the main areas of
Pune city at camp, Raviwar Peth , Kondwa , Hadapsar, Wanwori and
Yerewada etc. and also in other cities at Sangamner, Baramati Mumbai
and Junnar branch. The Muslim co-operative bank has
main administration office at Bhavani peth. Pune 42, which is considered
as powerhouse, and it has its registered office at Raviavar Peth Pune 42

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KEY FEATURES OF THE


MUSLIM CO-OPERATIVE BANK

The Muslim co-operative bank has 3 of its branches working 12


daily from 8.3o a.m. to 8.30 p.m. These branches are the main head

hours
office,

camp branch , M.G. road, Mominpura branch and works for 365 days.

The bank achieved a great position in the field of banking by


securing 0%Net N. P. A. for the session 2005-2006.

The bank felicitate the children of there staff which secure 70 %


and above in their exams.

The Muslim co-operative banks provides educational allowances


to the children of the employees.

The Muslim bank has also started a 24 hours service branch along
with additional services to the customers and thus at that time it was called
THE NEVER SLEPPING BANK.

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The Muslim bank is fully computerized at all the branches with the latest
technologies and software used in the banking sector.

The bank provides other services such as safe deposit vaults, issue of
D.D. at any place within Maharashtra under Mutual arrange scheme and
PLR on fixed and floating basis minimum at 8 %.

The bank also provides facility of Non Resident external Rupee


account and non-Resident ordinary account facility.

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OBJECTIVES OF THE BANK

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To promote good and fair banking practices.


To promote cordeal relation between the customer and

bank

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To foster confidence in the banking system.

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THE MUSLIM CO-OPERATIVE BANK LTD., PUNE


ORGANISATIONAL HIERARCHY
CHAIRMAN
Mr. Shaikh Shafi F.M. Delhiwala

Vice Chairman
Miss Mumtaz Z. Sayed

SECRETARY C.E.O.
J. L .Mandrupkar

Co-opted Director
Taslim Khan

Staff Director
Imtiyaz Mulla

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THEORETICAL
FRAMEWORK

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Different types of loans provided by Muslim Co-Operative Bank Ltd.


Sr.No.

Types of Loan

Short

Term Medium Term

Long

Loans

Loans

Loans

Term

Total (Rs.)

1.

Personal Loan

2,12,42,748.75

2,12,42,748.75

2.

Salary Loan

13,71,501.90

13,71,501.90

3.

Property

48,00,00,888.10

48,00,00,888.10

Mortgage
Loan
4.

Gold Loan

2,55,52,000.00

2,55,52,000.00

5.

Fixed

Deposit 7,68,91,471.00

7,68,91,471.00

Duppat 1,30,85,926.00

1,30,85,926.00

Loan
6.

Dam
Loan

7.

Recurring

2,27,352.00

2,27,352.00

Deposit Loan
8.

Education

13,26,795.00

13,26,795.00

37,22,73,235.93

37,22,73,235.93

Loan
9.

Building Loan

10.

House Loan

11.

Festival

24,99,438.65

24,99,438.65

58,18,924.00

58,18,924.00

Advance Loan
12.

Cash

Credit 8,01,606.00

8,01,606.00

Reinvestment
Loan
13.

Shop Loan

14.

Cash

7,49,15,564.00

Credit 22,27,470.71

7,49,15,564.00
22,27,470.71

Term Loan
15.

Reinvestment

1,08,38,853.00

--------------

--------------

1,08,38,853.00

135443602.71

505114577.4

448515594.93

1,08,90,73,775.04

Deposit Loan
TOTAL

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CONSUMEER LOANS
It is a loan that establishes consumer credit that is granted for personal use ;
usually unsecured

and based on the borrowers integrity and ability to pay .

For acquiring consumer loan one has to complete all the formalities .

1 are the kinds of loan provided by the bank


Following
Computer (P. C.)
2

Autorikshwa

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a) Scale of finance :

b)Eligibility

up to Rs. 75, 000

Employee of Govt. , Semi-Govt. , Civic Bodies


Self employed having minimum net monthly
Salary or income of Rs. 1800.

c)Security

Primary Hypothecation of article financed.


Collateral third party Guarantee of one person.

d)Rate of interest

: 11.25 % p. a.

e) Repayment

30 months

f)Margin

10 % of cost of article

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HOUSING LOAN
It is a loan that establishes consumer credit that is granted for building house :
usually unsecured and based on the borrowers integrity and ability to pay.
For acquiring housing loan one has to complete all the formalities.

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Salient Features :
a)_Quantum of Loan
i) for construction / purchase :The maximum amount of loan to be sanctioned under the
scheme would be 40 times the net monthly income/ salary of the applicant and
there would be no ceiling viz a viz . The amount of loan.

ii) For Renovation / Addition : The maximum loan granted for carrying out
repairs, additions, extensions, improvement, completion, renovation of existing
house is Rs. 4 lakhs (subject to 20 times net monthly salary / income )

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Also as an incentive for small borrowers the loans up to Rs.1.5 lakhs


granted for repairs / renovation of existing houses would now be secured by

third party guarantee of 2 persons or LIC policies, Government securities, IVPs


NSCs, KVPs or such other security as is deemed appropriate by the sanctioning
authority.

However, negative lien would be stipulated

over the existing house

property for which the facility is granted and also have an ir-revocable power
of attorney executed by the borrower authorizing

the bank to sell the house

in case of default.

b) Eligibility :

i) Employee of Govt., Semi-Govt., Civic Bodies PUSs

with minimum 5 years service.

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2) Reputed Businessmen with minimum 5 years standing


3) Professionals & self employed like Doctors, Engineers,
C.A.s, Advocates, with minimum 5 years standing .

c) Security :

Primary mortgage of the house property to be

purchased / constructed .
Collateral : Third party Guarantee of two person , or
assignment of LIC Policies, pledge of Govt. securities etc.

d)Rate of interest (SUBJECT TO CHANGE)


EMI

11.25 %

REGULAR

13.50 %

e)Repayment :

i) For construction of new house 180 months including

9 months moratorium in equal monthly installments .

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ii) For addition / renovation 5 years including 2


months moratorium in equal monthly installments .

f) Margin :

i) For construction /purchase15 %(cost of land inclusive)


ii) For renovation 25%

g) Processing
charges

0.25 % of loan amount

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EDUCATIONAL LOAN
An advance of funds to a student for the purpose of financing a college or
vocational education . For acquiring loan one has to complete all the formalities
The Muslim Co-Operative bank provide loans for P. G. courses

SAILENT FEATURS
a) Scale Of Finance : up to 2 lakhs

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b) Courses Allowed
for

: i) P. G.

Courses in : Medicine, Surgery, Bio

-chemistry, Agriculture, Veterinary , Architecture


etc. .

c) Eligibility

: i) Should

have secured admission to

professionals /

technical courses through entrance

test / selection

process.
ii) Should have passed the qualifying examination
for admission to the courses.
iii) Employed person intending to improve their
educational qualification and / or

receive training

in modern technology.

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d) Security

Personal guarantee of borrowers

e) Margin

Nil

f) Interest

: @ 13.25 % monthly pay on amount

g) Repayment : Course period plus one

of loan

year after getting the job.

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CAR LOANS

The

Muslim Co - Operative bank provides a personal loan to purchase

automobiles.

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Salient Features
Scale of finance : Ranging from Rs. 1 Lac. depending upon the Salary /
Net Annual Income

Eligibility

: i) Employees of

Govt. Semi Govt., Civic Bodies, PSUs

Individual / Proprietorship Concerns / Firms / Limited


Companies known to the Bank
ii) Net Annual Income should exceed

Rs. 75000 /-

iii) The applicant (individuals) should

have a valid

driving license in his/her own name .


iv) The employees of the State Govt. / Semi

Govt.

Departments / Other Organizations should

have

minimum 3 years service in the organization.


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Primary
Hypothecation
of vehicle
financed

Security
:
Interest

@ 13.25%

me
nt :
Repay

years

Marg
in
: 25 %

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LOAN AGAINST MORTGAGE

This scheme is for individuals / business enterprises / professionals and self


employed as an ideal source of funds for expenditures of any nature.

Eligibility criteria :
The scheme would provide finance to Individuals / Business Enterprises
having minimum net annual income of Rs. 1 lac per annum against mortgage
of unencumbered immovable property situated in Metros/Urban areas. Salaried
individuals must have put in a minimum confirmed service of 3 years.
Business Enterprises, professionals and self-employed must have a minimum
standing of 3 years in the respective line of activity.

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Purpose

For meeting their business and / or any personal need / expenditure .

AMOUNT OF LAON

: 1 Lac

INTEREST

: @ 13. 25 %

MARGIN

: Nil

PROCESSING FEES

: .0. 25 % Of the loan amount sanctioned would


be charged as processing fees.

SECURITY

: Registered/Equitable mortgage of unencumbered


residential house / flat, commercial or industrial
property with a clear marketable title situated
in the Metros Urban areas only and which stands
in the name and profession of the borrower.

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The property should be vacant

REPAYMENT

: The loan granted under the scheme together with


interest thereon would be

repayable within a

maximum period of 60 months through equated


monthly installments(EMI)commencing one month
after

disbursement of the loan. The repayment

shall have to be fixed on realistic basis so that


the gross deduction including the EMI

for the

loan granted under this scheme does not exceeds


50 % of the borrower gross

income. In

case of

individual borrower the income of spouse shall


be taken into account for determining the repaying
capacity of the borrower.

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INSURANCE

: The property against

which the loan is granted

will have to be comprehensively insured against


all risks for its full value during the continuance
of the loan facility from the Bank. The cost of
the insurance to be borne by the borrower & the
policy will be drawn in the joint names of the
bank and the borrower within usual bank clause
therein.

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RESEARCH
METHODOLOGY

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MEANING OF THE RESEARCH


Research may mean the first small step in an endeavor to understand better the
change occurring and at times forced upon us as individuals or as society.

Research as a process involves defining problems, hypothesis formulation and


organization and evaluating of data , deriving deductions interferences and
conclusions after careful testing.

OBJECTIVE OF RESEARCH
1. It extends, verifies or corrects knowledge.
2. It enables us to have a better understanding of our world.
3. It aids in purposeful planning.
4. Research initiates, formulates, deflects and clarifies theory.

METHODS OF DATA COLLECTION


Data is of two kind.
1. Primary Data
2. Secondary Data

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Secondary data may be defined as data that has been collected earlier for some
purpose other than the purpose of the present study. Any data that is available
prior to the commencement of the research project is secondary data and it is
called historic data.

USES OF SECONDARY DATA


1) It acts as a reference for the present study.
2) The secondary data can be a useful benchmark, against which the findings
of the study can be tested.
3) At times it may be the only source of data.

SOURCES OF SECONDARY DATA


1) Published Sources
2) Unpublished Sources

DATA COLLECTION METHODS


1) Observation
2) Interviewing
3) Experimentation
4) Simulation
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In this project following data collection methods are used. They are-----------1) Interviewing
2) Published source of data in the form of books of accounts.

INTERVIEWING
It is the most commonly used method of data collection. It is two ways
purposive communication between the interviewer and the respondent aimed at
obtaining and recording information pertinent to the subject matter of the study.

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DATA ANALYSIS, interpretation


AND FINDINGS

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AWARENESS ABOUT LOANS

90
80
70
60
50
40
30
20
10
0 AGREED NOT AGREED

AGREED

NOT AGREED

From the above graph we can say that :

80 % of the respondents agreed that


different

they are

aware of the

loan schemes provided by the bank .

While only 20 % are not aware of the loan schemes provided by the

bank

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REASONING FOR NOT AVALING THE LOAN

70

60
50
40
30
20
10
0
COMPLICATED

SLOW PROCESSING

COMPLICATED

OTHER REASON

SLOW PROCESSING

OTHER REASON

From the above graph it is clear that :

2 65 % of the respondents said that the reasons for not availing the
different loan schemes are the complicated formalities .

20 % of the respondents said that the reasons for not availing the
different loan schemes are the slow processing of applications.
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15 % of the respondents gave the other reasons for not availing the
different loan schemes .

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ATTITUDE OF BANK OFFICIALS WHILE


MAKING TRANSACTIOS

60
50
40
30
20
10
0
EXCELLENT
EXCELLENT
POOR

SATISFACTORY

GOOD
VERY POOR

VERY POOR

SATISFACTORY

From the above graph it is clear that :

2 59 % of the customers think that the attitude of the bank officials


while making transactions is excellent.

1 21 % of the customers feel that the attitude of the bank officials while
making transactions is good .

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15 % of the customers think that the attitude of the bank officials


while making transactions is satisfactory .

02 % of the customers think that the attitude of the bank officials


while making transactions is poor .

3 03 % of the customers think that the attitude of the bank officials while
making transactions is very poor .

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SUGGESTION OF THE INTEREST RATE

NONE, 15, 15%

NON FAVOURABLE,
25, 25%

FAVOURABLE, 60,
60%

From the above graph it is clear that :


60 % of the respondents think that interest rates should be 6 % to
7%
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25 % of the respondents think that interest rates should be between

8 % to 10 %

Rest of them agree with the existing policy of the bank

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CONCLUSIONS

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CONCLUSION
As we observed the trends in Indian financial sector is changing rapidly through
Innovation and dependability of loans and advances has also increased and much
awareness of this concept has been found.

Loans and advances have become an important source of raising


the finance amongst individual, corporate as well as for the higher
organizations.

A secured business loan is a loan given for commercial purpose.


It Keeps business properties as collateral. It can be taken for a variety
of
purposes like diversification, research and development or to buy
plants and machineries.

The advantage with loans is that you can design your repayment
period as well as monthly installments according to your financial
capacity. A
loan comes at a lower interest rate when compared with other business
loans. As these loans are taken against collateral, any default in
repayment can put to your commercial property at risk..

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To be competitive and successful in modern corporate world,


constant capital flow is essential. Whether to expand your business or
relocate
your production unit to some other place for cost. effectiveness, you
require finance. Itsnot always possible to fund them to internal sources.

A delay of a few days can cost you in millions.To make your enterprise
successful and to run your business strategically, a secured business
loan is an option worth trying for.

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SUGGESTIONS

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SUGGESTIONS

There are lots of benefits accruing from loans and one can easily fulfill his
needs and basic requirements of life. There are also tax related benefits that is tax
liability can be reduced a lot by showing more debt than equity in capital
structure.

Banks also get the interest on the loans so accordingly they can
also earn profits and plan the future investments.

A lot of documentation and formalities are to be completed for


raising the loan, which requires a lot of time so the procedure of
raising the
loan should be simplified to some extent.

Banks can adopt few qualitative techniques to educate the borrower


about its lending policies.

Bank can start to provide ATM facility .

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QUESTIONNAIRE

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QUESTIONNAIRE FOR CUSTOMER

M/S. :
Address :
Phone :
Dear Customer
It has always been our earnest endeavor to serve you better. The following
questionnaire is aimed at satisfaction level. You are requested to respond fairly to
the questions and guide us in developing strategies for serving you better.
1) How long you have been banking with The Muslim Co-Operative Bank?
a.

1 year

b. 1-5 years
c.

5-10 years

d. Not at all

2) Are you aware of the different loan schemes provided by the bank?

a. Yes
b. No
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3) What interest rates do you suggest for the maximum loan amount(15 Lakhs)?

a. 6-7% b.
8-10%
c. Agree with existing

4) How do you rate the attitude of bank officials towards you while making
transactions?

a. Excellent
b. Good
c. Satisfactory
d. Poor

5) If you are aware of the loan scheme offered by the bank and desire to avail the
facility of the scheme but have not availed so far, what is the reason?

a. Indifference of the branch people


b. Complicated formalities
c. Slow pace of processing

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BIBLIOGRAPHY

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BIBLIOGRAPHY

NAME OF THE BOOK

NAME OF THE AUTHOR

EDITION

Financial Management

I. M. Pandey

6th

Marketing of banking services

Lewis h. Haney

3rd

Marketing Management

Philip Kotler

4th

ANNUAL REPORT OF THE MUSLIM CO_OPERATIVE BANK LTD.

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ANNEXURE
Statement showing financial position of
st
The Muslim Co-Operative Bank Ltd. as on 31 March
Name of The Bank
Head Office Address
Date Of Registration
Date & No. Of RBI License
Jurisdiction
Items
No. of Branches including
Head Office
Membership Regular
Nominal
Paid Up-Share Capital
Total Reserve And Funds
Deposits
Saving
Current
Fixed
Advances
Secured
Un-Secured
Total % of Priority sector
Total % of Weaker Section
Borrowings
D.C.C.
M.S.C.
Others
Investments
D.C.C.
M.S.C.
Others
Overdue Percentage
RBI Grade
Audit Classification
Profit For The Year
Other Staff
Sub Staff
Total Staff
Working Capital

The Muslim Co-Operative Bank Ltd.


633 Raviwar Peth PUNE-411002
th
No. 7000 Dated 25 May 1931
th
UBD-MH-411/P Dated 18 Nov. 1984
Pune, Solapur, And Ahmednagar District ,
Greater Mumbai (Municipal Limit), Nasik,
Thane
st
As On 31 March 2008 (Rs.In Lacs.)
19
24300
2498
597.40
4440.55
10823.52
4344.74
11752.47
12469.27
401.56
88.85%
15.25%
NIL
NIL
NIL
11016.00
5.00
6774.51
8.67%
I
A
272.77
159
45
204
32815.99

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