1

S.Y.
BMSKOMA
L SINGH
‘A’
GROUP MEMBERS
2
 KOMAL SINGH (L)
07
NISHAT SHAIKH
53
PRANAV SHETTY
41
2009-10

3
 CONTENT

PART 1

1. INTRODUCTION TO CO-OPERATIVES
2. CHARACTERISTICS OF CO-OPERATIVE SOCIETY
3. FORMATION OF CO-OPERATIVE SOCIETY
4. ADVANTAGES & DISADVANTAGES
5. TYPES OF CO-OPERATIVE SOCIETY
6. CO-OPERATIVE BANKS IN INDIA

PART 2
(ABOUT THANE JANATA SAHAKARI BANK)

1. HISTORY
2. PROFILE
3. AWARDS AND ACHIEVEMENTS
4. TECHNOLOGICAL INITIATIVES
5. SAVINGS DEPOSIT ACCOUNT
6. CURRENT ACCOUNT
7. FOREX
8. CONCLUSION
9. BIBLIOGRAPHY

4
INTRODUCTION TO CO-

OPERATIVES

There is no universally accepted definition of a cooperative. In

general, a cooperative is a business owned and democratically
controlled by the people who use its services and whose benefits
are derived and distributed equitably on the basis of use. The user-
owners are called members. They benefit in two ways from the
cooperative, in proportion to the use they make of it. First, the
more they use the cooperative, the more service they receive.
Second, earnings are allocated to members based on the amount of
business they do with the cooperative.

In many ways, cooperatives resemble other businesses. They have

similar physical facilities, perform similar functions and must
follow sound business practices. They are usually incorporated-
under state law by filing articles of incorporation, granting them
the right to do business. The organizers draw up bylaws and other
necessary legal papers. Members elect a board of directors. The
board sets policy and hires a manager to run the day-to-day
operations.

But in some ways, cooperatives are distinctly different from other

businesses. These differences are found in the cooperative's
purpose, its ownership and control, and how benefits are
distributed. They are reflected in cooperative principles that
explain the unique aspects of doing business on a cooperative
basis.

5
Characteristics of Co-operative
Society
A co-operative society is a special type of business organisation
different from other forms of organisation you have learnt earlier.
Let us discuss its characteristics.

i. Open membership: The membership of a Co-operative Society

is open to all those who have a common interest. A minimum of
ten members are required to form a cooperative society. The Co–
operative societies Act do not specify the maximum number of
members for any co-operative society. However, after the
formation of the society, the member may specify the maximum
number of members.
ii. Voluntary Association: Members join the co-operative society
voluntarily, that is, by choice. A member can join the society as
and when he likes, continue for as long as he likes, and leave the
society at will.
iii. State control: To protect the interest of members, co-operative
societies are placed under state control through registration. While
getting registered, a society has to submit details about the
members and the business it is to undertake. It has to maintain
books of accounts, which are to be audited by government
auditors.
iv. Sources of Finance: In a co-operative society capital is
contributed by all the members. However, it can easily raise loans
and secure grants from government after its registration.
v. Democratic Management: Co-operative societies are managed
on democratic lines.

6
The society is managed by a group known as “Board of Directors”.
The members of the board of directors are the elected
representatives of the society. Each member has a single vote,
irrespective of the number of shares held. For example, in a village
credit society the small farmer having one share has equal voting
right as that of a landlord having 20 shares.
iv. Service motive: Co-operatives are not formed to maximise
profit like other forms of business organisation. The main purpose
of a Co-operative Society is to provide service to its members. For
example, in a Consumer Co-operative Store, goods are sold to its
members at a reasonable price by retaining a small margin of
profit. It also provides better quality goods to its members and the
general public.
v. Separate Legal Entity: A Co-operative Society is registered
under the Co-operative Societies Act. After registration a society
becomes a separate legal entity, with limited liability of its
members. Death, insolvency or lunacy of a member does not affect
the existence of a society. It can enter into agreements with others
and can purchase or sell properties in its own name.
vi. Distribution of Surplus: Every co-operative society in addition
to providing services to its members also generates some profit
while conducting business. Profits are not earned at the cost of its
members. Profit generated is distributed to its members not on the
basis of the shares held by the members (like the company form of
business), but on the basis of members’ participation in the
business of the society. For example, in a consumer co-operative
store only a small part of the profit is distributed to members as
dividend on their shares; a major part of the profit is paid as
purchase bonus to members on the basis of goods purchased by
each member from the society.
vii. Self-help through mutual cooperation: Co-operative Societies
thrive on the principle

7
of mutual help. They are the organisations of financially weaker
sections of society.
Co-operative Societies convert the weakness of members into
strength by adopting
the principle of self-help through mutual co-operation. It is only by
working jointly
on the principle of “Each for all and all for each”, the members can
fight exploitation
and secure a place in society.

Formation of a Co-operative Society

A Co-operative Society can be formed as per the provisions of the
Co-operative Societies Act, 1912. At least ten persons having the
capacity to enter into a contract with common economic
objectives, like farming, weaving, consuming, etc. can form a Co-
operative Society.
A joint application along with the bye-laws of the society
containing the details about the society and its members, has to be
submitted to the Registrar of Co-operative Societies of the
concerned state. After scrutiny of the application and the bye–laws,
the registrar issues a Certificate of Registration.
Requirements for Registration:
1. Application with the signature of all members
2. Bye-laws of the society containing:
(a) Name, address and aims and objectives of the society;
(b) Names, addresses and occupations of members;
(c) Mode of admitting new members;
(d) Share capital and its division.

8
 Advantages of Co-operative
Society
A Co-operative form of business organisation has the following
advantages:
i. Easy Formation: Formation of a co-operative society is very
easy compared to a joint stock company. Any ten adults can
voluntarily form an association and get it registered with the
Registrar of Co-operative Societies.
ii. Open Membership: Persons having common interest can form
a co-operative society. Any competent person can become a
member at any time he/she likes and can leave the society at will.
iii. Democratic Control: A co-operative society is controlled in a
democratic manner. The members cast their vote to elect their
representatives to form a committee that looks after the day-to-day
administration. This committee is accountable to all the members
of the society.
iv. Limited Liability: The liability of members of a co-operative
society is limited to the extent of capital contributed by them.
Unlike sole proprietors and partners the personal properties of
members of the co-operative societies are free from any kind of
risk because of business liabilities.
v. Elimination of Middlemen’s Profit: Through co-operatives the
members or consumers control their own supplies and thus,
middlemen’s profit is eliminated.
vi. State Assistance: Both Central and State governments provide
all kinds of help to the societies. Such help may be provided in the
form of capital contribution, loans at low rates of interest,
exemption in tax, subsidies in repayment of loans, etc.

9
vii. Stable Life: A co-operative society has a fairly stable life and
it continues to exist for a long period of time. Its existence is not
affected by the death, insolvency, lunacy or resignation of any of
its members.
Limitations of Co–operative
Society
Besides the above advantages, the co-operative form of business
organisation also suffers from various limitations. Let us learn
these limitations.
i. Limited Capital: The amount of capital that a cooperative
society can raise from its member is very limited because the
membership is generally confined to a particular section of the
society. Again due to low rate of return the members do not invest
more capital. Government’s assistance is often inadequate for most
of the co-operative societies.
ii. Problems in Management: Generally it is seen that co-
operative societies do not function efficiently due to lack of
managerial talent. The members or their elected representatives are
not experienced enough to manage the society. Again, because of
limited capital they are not able to get the benefits of professional
management.
iii. Lack of Motivation: Every co-operative society is formed to
render service to its members rather than to earn profit. This does
not provide enough motivation to the members to put in their best
effort and manage the society efficiently.
iv. Lack of Co-operation: The co-operative societies are formed
with the idea of mutual co-operation. But it is often seen that there
is a lot of friction between the members because of personality
differences, ego clash, etc. The selfish attitude of members may
sometimes bring an end to the society.

10
v. Dependence on Government: The inadequacy of capital and
various other limitations make cooperative societies dependant on
the government for support and patronage in terms of grants, loans
subsidies, etc. Due to this, the government sometimes directly
interferes in the management of the society and also audits their
annual accounts.
Let us now sum up–
Advantages
Easy formation Elimination of
Open membership Middleman’s Profit
Democratic Control State Assistance
Limited Liability Stable Life

Disadvantages
Limited Capital Lack of Cooperation
Problems in Management Dependence on
Lack of Motivation Government

Types of cooperative
societies
 Housing cooperative
 Building cooperative
 Retailers' cooperative
 Utility cooperative
 Worker cooperative
 Business and employment co-operative
 Social cooperative
 Consumers' cooperative

11
 Agricultural cooperative
 Cooperative banking (credit unions and cooperative savings
banks)
 Federal or secondary cooperatives
 Cooperative wholesale society
 Cooperative Union
 Co-operative party

12
 Types of Co-operative Societies
Although all types of cooperative societies work on the same
principle, they differ with regard to the nature of activities they
perform. Followings are different types of co-operative societies
that exist in our country.
1. Consumers’ Co-operative Society:
These societies are formed to protect the interest of general
consumers by making consumer goods available at a reasonable
price.
They buy goods directly from the producers or manufacturers and
thereby eliminate the middlemen in the process of distribution.
Kendriya Bhandar, Apna Bazar and Sahkari Bhandar are examples
of consumers’ co-operative society.
2. Producers’ Co-operative Society:
These societies are formed to protect the interest of small
producers by making available items of their need for production
like raw materials, tools and equipments, machinery, etc.
Handloom societies like APPCO, Bayanika, Haryana Handloom,
etc., are examples of producers’ co-operative society.
3. Co-operative Marketing Society:
These societies are formed by small producers and manufacturers
who find it difficult to sell their products individually. The society
collects the products from the individual members and takes the
responsibility of selling those products in the market. Gujarat Co-
operative Milk Marketing Federation that sells AMUL milk
products is an example of marketing co-operative society.
4. Co-operative Credit Society: These
societies are formed to provide financial support to the members.
The society accepts deposits from members and grants them loans
at reasonable rates of interest in times of need. Village Service Co-
operative

13
Society and Urban Cooperative Banks are examples of co-
operative credit society.
5. Co-operative Farming Society: These
societies are formed by small farmers to work jointly and thereby
enjoy the benefits of large-scale farming. Lift-irrigation
cooperative societies and pani-panchayats are some of the
examples of co-operative farming society.
6. Housing Co-operative Society: These
societies are formed to provide residential houses to members.
They purchase land, develop it and construct houses or flats and
allot the same to members. Some societies also provide loans at
low rate of interest to members to construct their own houses. The
Employees’ Housing Societies and Metropolitan Housing Co-
operative Society are examples of housing co-operative society.

14
 INTRODUCTION OF
CO-OPERATIVE BANKS
The Co-operative banks have a history of almost 100 years. The
Co-operative banks are an important constituent of the Indian
Financial System, judging by the role assigned to them, the
expectations they are supposed to fulfill, their number, and the
number of offices they operate. The co-operative movement
originated in the West, but the importance that such banks have
assumed in India is rarely paralleled anywhere else in the world.
Their role in rural financing continues to be important even today,
and their business in the urban areas also has increased
phenomenally in recent years mainly due to the sharp increase in
the number of primary co-operative banks.

While the co-operative banks in rural areas mainly finance

agricultural based activities including farming, cattle, milk,
hatchery, personal finance etc. along with some small scale
industries and self-employment driven activities, the co-operative
banks in urban areas mainly finance various categories of people
for self-employment, industries, small scale units, home finance,
consumer finance, personal finance, etc.
Some of the co-operative banks are quite forward looking and have
developed sufficient core competencies to challenge state and
private sector banks.

According to NAFCUB the total deposits & lendings of Co-

operative Banks is much more than Old Private Sector Banks &
also the New Private Sector Banks. This exponential growth of Co-
operative Banks is attributed mainly to their much better local

15
reach, personal interaction with customers, their ability to catch the
nerve of the local clientele.

Though registered under the Co-operative Societies Act of the

Respective States (where formed originally) the banking related
activities of the co-operative banks are also regulated by the
Reserve Bank of India. They are governed by the Banking
Regulations Act 1949 and Banking Laws (Co-operative Societies)
Act, 1965.

Categories
There are two main categories of the co-operative banks.

(a) Short term lending oriented co-operative Banks -

within this category there are three sub categories of banks viz
state co-operative banks, District co-operative banks and Primary
Agricultural co-operative societies.

(b) Long term lending oriented co-operative Banks -

within the second category there are land development banks at
three levels state level, district level and village level.
The co-operative banking structure in India is divided into
following main 5 categories:

1. Primary Urban Co-op Banks

2. Primary Agricultural Credit Societies
3. District Central Co-op Banks
4. State Co-operative Banks
5. Land Development Banks

16
 History
With the modest beginning in 1972 in the co-operative field, the
dynamism infused by the Board of Directors, unflinching loyalties
of clientele and devotion of staff has propelled the sound
foundation of The Thane Janata Sahakari Bank Ltd (TJSB) and
has emerged as one of the leading multi state scheduled co-
operative Bank in the country.

TJSB presently is catering to the needs of society through a close

network of 48 Branches and 2 Extension Counters spread all over
the city of Thane, Mumbai, Navi Mumbai, Nasik, Pune & Satara.
All these Branches have made remarkable progress on all fronts in
all these years.

TJSB believes that "customer delight" is the ultimate goal and has
a strong belief that Customers & all Stakeholders wholehearted
support, absolute faith and their patronage has largely been
responsible for its enviable growth. TJSB is committed to provide
banking with speed, comfort and convenience.

TJSB feels proud to acknowledge the growth of large number of

successful industrialists, traders and professionals who have grown
leaps & bound due to timely assistance and support of the Bank.

TJSB has set before a Visionary Growth Plan focusing all business
strategies solely on creation of Stakeholders value.

17
 Profile
Professional Board and Pragmatic decision making

Consistent profit and growth for last 38 Years

Equilibrium in Growth and profits

Strong Internal Reserves and CRAR at 14.74%

Balanced Credit Portfolio & focus on Retail /SME Segment

Strong Focus on Recovery and NPA Management

First Co-op Bank to offer Bancassurance Product in

association with Max New York

Anywhere Any Branch Banking facility in all Branches

50 ATM’s installed in Branches at Thane, Mumbai, Pune,

Nashik and Satara

24x 7 Cheque Issuance Machine at e-Lobby at Naupada

Branch

24x 7 Cheque Depository machine at 37 branches

Value Added services for Customers

18
 Business Expansion Plans:
TJSB has recognized the opportunity for its expansion through the
Merger and Takeover of the other Banks. To step forward it has
recently acquired two Pune based Co-operative Banks namely The
Navjeevan Nagrik Sahakari Bank Ltd and The Sadguru Jungli
Maharaj Sahakari Bank Ltd.

Special Mention:
TJSB has been awarded 1st Prize for the Best Co-Operative Bank
in Maharashtra by “Maharashtra State Urban Bank’s
Federation Ltd.”
for the F.Y.2004-2005.

TJSB has been awarded 1st Prize as “Padmabhushan

Vasantdada Patil Utkarsha Nagri Sahakari Bank” for the
F.Y.2003-2004 from Kokan Region for the second time
consecutively.

TJSB was recognized amongst top 5 Co-Operative banks in the

country, during centenary celebration of Co-Operative movement
by Kalupur Commercial Co-Operative Bank Ltd.

With its distinctive culture, as the most trusted bank,

TJSB has become the Most Preferred Bank too.

19
:::: Awards & Achievements:::
Best Bank In Maharashtra
The Indian Bank
Association (IBA) have
accolade TJSB with the
TECHNOLOGY
BANK OF THE
YEAR award in the
Co-operative Banks
category for FY 2009.
IBA has first felicitated
TJSB with Special Jury
Award for
"Acknowledging
Outstanding
Achievements in
Banking Technology"
in the Year 2007.

20
 Awarded by The
Maharashtra Urban Co-
operative Bank's
Federation for 'Best Urban
Co-operative Bank'
in Maharashtra amongst the
urban Co-operative banks
having Deposits over Rs. 500
crores.

Awarded by The Maharashtra Urban Co-operative

Bank's Federation for 'Best Urban Co-operative Bank'
in Maharashtra For The Year 2004-05 amongst the
urban Co-operative banks having Deposits over
Rs. 500 crores.

TJSB has been awarded 1st Prize for the Best Co-Operative Banks in

21
Maharashtra by "Maharashtra State Urban Bank's Federation Ltd." for
the F.Y.2004-2005.

TJSB has been awarded 1st Prize as "Padmabhushan Vasantdada Patil

Utkarsha Nagari Sahakari Bank" for the F.Y.2003-2004 from Kokan
Region for the second time consecutively.

TJSB was recognized amongst top 5 Co-Operative banks in the country,

during centenary celebration of Co-Operative movement by Kalupur
Commerical Co-Operative Bank Ltd.

"Banking Frontiers has

conferred
5 awards to TJSB on
28/07/2008 as
1.Best M&A (Merger and
Acquisition)
2. Innovation in CBS ,
3. Innovation in Marketing
4. Innovation in Self Service

5. Innovation in Branch Up-

gradation.
in the category of big Co-
operative
banks having business mix
more than 500 crores. "

22
The Thane Janata
Sahakari Bank has won the
award by 'Banking Frontiers'
for e-security
implementation and best
website in the category of
big co-opeartive banks
having business mix of more
than 500 crores.

23
 Technological Initiatives

TJSB, a Techno-savvy Bank has implemented successfully the

Core Banking Solution (CBS). This has helped the Bank to migrate
the Branches from being the processing centers to marketing
customer centric outfits. It will also extend the Bank’s reach to its
customers by multiple delivery channels such as ATM, Internet,
Mobile etc. This has brought the Bank on par with the leading
Banks. Bank has network of 49 ATM’s across Thane, Mumbai,
Navi Mumbai, Pune & Nashik.

TJSB is the first Bank in Co-operative sector to install Cheque

Depository Machines at 37 branches, which are operational 24 X 7.

TJSB has put in place Real Time Gross Settlement System

(RTGS) transactions. With Core Banking Solution in place the
Bank is Providing RTGS facility to all its customers.

TJSB has initiated process for strategic alliance with other Banks
for the usage of their delivery channels by which nearly 5000
ATMs will be available to Bank’s customers across the country.

TJSB is first Bank In the country to introduce Automated Cheque

Issuance Machine which enables Customers to take Personalised
Cheque Book 24 X 7

24
Business Process Re-engineering :
With the successful implementation of Core Banking Solution
TJSB has initiated Business Process
Re-engineering by establishing :

Sp
eci
ali
ze
d
Cr
edi
t
Ce
ll
Specialized Retail Banking Cell
Centralized Monitoring Cell
Centralized Back office Processing Cell
e-lobby

Bancassurance :
TJSB is having arrangement with Max New York Life Insurance
Co. Ltd. for Life Insurance products and with The Oriental
Insurance Co. Ltd. for General Insurance. TJSB’s bancassurance is

25
recognized as one of the most successful bancassurance in the
country.

26
 :: Savings Deposit Account ::
Savings Account at The Thane Janata Sahakari Bank comes
with banquette of facilities & services at no extra charge to the
Customers. Eligible person/s and eligible organizations or
agencies as approved can open Savings Account with the Bank.
Savings Account can be opened with Rs.1000/- and minimum
balance to be kept in the Account is Rs.1000/- only. Amount can
be withdrawn from Savings Account by way of cheques or
withdrawal slips. Interest is paid half yearly on Savings
Account at 3.5 % p.a. as per the directives fixed by Reserve
Bank of India

· Eligibility – Savings Account can be opened in the name of

Individuals Singly or Jointly or by minors of the age 10 years or
above or under natural / legal Guardianship or by an illiterate or
blind person. Documents Required – Duly filled in Account
Opening Form with valid residential proof, PAN Number, 1
photograph and introduction by existing account holder of the
Bank

· Minimum Balance – Account holder is required to maintain

minimum balance of Rs.1000/ in the account.

• Facilities Offered

o 30 Cheque Leaves in a Year

o ATM Card Facility with withdrawal Limit of Rs.15,000/=
o Any Branch Banking Facility through out all Branches of
the Bank for operations in Savings / Term Deposit Accounts.

27
 o SMS banking facility for Balance Inquiry, Statement
Details, Transaction Alerts
o 24x7 Cheque Issuance Machine facility for getting
personalized cheques at any time.
o Statement of Account at monthly intervals by e-mail
o 24x7 Cheque Deposit Facility with acknowledgement for
Cheque deposited
o Nomination Facility
o Internet Banking

::: Current Account :::

Current Accounts can be opened by Businessmen / Proprietorship /
Partnership Firms / Public or Private companies requiring to do
multiple or numerous business transactions. Customer can deposit
or withdraw the amount as many times required. Minimum Balance
to be maintained is Rs.2000/- in the account.

· Eligibility – Current Account can be opened

by Businessmen /Proprietorship / Partnership Firms
/Public or Private companies to be operated by Authorized
Signatories.
· Documents Required – Duly filled in Account Opening Form
with valid
residential proof, PAN Number, Registration Certificate,
Partnership
Deed, Memorandum of Association as the case may be.
· Facilities Offered

28
o ATM Card Facility with withdrawal Limit of Rs.20,000/=
for Proprietary Accounts
o Any Branch Banking Facility through out all Branches of the
Bank for operations in Current Accounts.
o SMS banking facility for Balance Inquiry, Statement Details,
Transaction Alerts
o 24x7 Cheque Issuance Machine facility for getting personalized
cheques at any time.
o Statement of Account at monthly intervals by e-mail
o 24x 7 Cheque Deposit Facility with acknowledgement for
cheques deposited
o Internet Banking

29
 FOREX
FOREIGN EXCHANGE SERVICES

• Currency Changing

We change all the convertible currencies in exchange of Indian

Rupees for our clients. Also we issue the foreign currency for
the persons going on business tour or leisure trips, individually
or in group.

• Traveller's Cheque

We issue Travellers cheques of American Express Bank for

USD, EURO, GBP which can be availed by the persons going
abroad for busines, leisure trips. We also exchange all travellers
cheques for the customers against rupees.

• Remittences

30
• POST - SHIPMENT

We handle the documents on collection for our exporters and

credit the proceeds on realisation.
We negotiate the documents through our correspondents against
specific sanction of limits.
We grant advance against the export bills sent on collection at a
concessional rate of interest.
We handle the inward remittances received as advance
payments for exports.

• RUPEE EXPORT CREDIT

• IMPORT SERVICES

• Import Payments \ Outward Remittances:

• Import Letter of Credit:
• Bank Guarantee: Bank Guarantee facility to our clients
guaranteeing their
performance / financial obligations
• Co-acceptance facilities

Way Ahead:
With the increasing level of globalization of the Indian Banking
Industry, evolution of Universal Banks and bundling of Financial
Services, competition in the industry will only intensify further.
The Banking Industry would need to harness its potential and
ability to raise the standard of banking services. At the same time,

31
the financial strategy of individual Banks is the first line of defense
against financial risks. Strong capital positions in balance sheet
place Bank in a better position to deal with and absorb economic
shocks.

The Indian Banking Sector will become intensely customer centric,

dominated by few global mega banks and densely populated by
smaller players catering to niche market.

In coming years, the customers will be open to the new products

and demand flexibility in the way services are provided to them.
The Banks will have to use variety of means to reach out to the
customers in a convenient way and cost effective manner. To face
the intense competition, the Bank will have to move towards
greater cost efficiency. As interest rates directionally changed its
course, reduction of operating cost and focus on non funded
sources of income will play a significant role in the Bank’s
financial statement in the post 2009.

Technology and product innovation would have to contribute

lower transaction costs and increased fee income.
On special occasion of World’s Women’s Day on 08th March
2008, Bank has launched a new scheme “Swayamsidhha” for
Mahila Bachat Gat to encourage the saving habits in the women
and for easy accessibility of borrowed funds to women
entrepreneurs.

 Cooperative Society is one of the Largest sector Provides

nearly 800
million. India is Employees more employee than to any other
country in the world .

32
33
 CONCLUSIONS
Cooperative Society is one of the Largest sector Provides nearly
800 million. India is Employees more employee than to any other
country in the world.
Being Agriculture based India’s most population is situated in rural
areas nearly 2/3 of total. So this gives clear indication of scope of
cooperative society also Employment opportunities in this area.A
co-operative bank is a financial entity which belongs to its
members, who are at the same time the owners and the customers
of their bank. Co-operative banks are often created by persons
belonging to the same local or professional community or sharing a
common interest. Co-operative banks generally provide their
members with a wide range of banking and financial services
(loans, deposits, banking accounts…).
PEACE AND SOCIAL WELL-BEING ARE NOT ONLY RELEVANT TO CO-
OPERATIVES BUT CO-OPERATIVES ARE RELEVANT TO THE PEACE
MAKING PROCESS IN COMMUNITIES AND SOCIETIES
THROUGHOUT THE WORLD.

YEHSSUSDAH PAZ, WINNER OF THE 2006 DOVE OF PEACE

AWARD

BIBLIOGRAPHY

• www.thanejanata.co.in
• wikipedi
• Annual Report of TJSB (2008-09)

34