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limited is a premier private sector Indian bank with a heritage of over 36 years and over 3 million satisfied customers. Started in the date 13/09/1976 as the name of Sericultures cum farmers service Co-operative Bank, Hoskote town in the date of 26/02/1998.
The current vision of the bank is to increase the deposits, issue the crop loans, providing cash credit loans, increasing the present share investment, provide medium term loans, nonagricultural loans, and the most important may be collecting back the loan amounts given to the customers Area of Operation: Hoskote kasaba Hobli 41 villages limited Area. Deposits: Rs 1,106.84 Lakhs. Working Capital: Rs 1,557.84 Lakhs. Branches: 10 Branches with a Head Office. Fixed Assets: Rs 47.37 Lakhs.
KCC (kissan cash credit) LOAN : The Kissan Credit Card introduced in the year 1997-98 aim at providing adequate & timely credit supports from the banking system to the farmers for their cultivation needs in flexible & cost effective manner. Tractor Loan: Minimum 5 acres land should be there Hypothecation to the bank in RC book Insurance coverage. Personal Loan (PSL) : On the basis of salary on percentage 5%, 10%. Gold Loan:Market Value of the gold on 70% of loan authorized apparel recommended amount.
Members limit from 10-20 max Unregistered group Loan on the basis of capital of SHG i.e. 1:5 Limit 30,000-6, 00,000 Max Self employment.
Work
Flow Model
PACS
FARMERS
Mckinsey model consist of 7-s they are Structure(virtual organization ) Skill (competencies ) Style (culture and leadership ) Strategy (corporate ,business ,product or market ) System (process ) Staff (empowerment ) Shared values (mission and goal)
SWOT ANALYSIS
Strengths:
Weakness:
Supported by government in its functioning. No internet & mobile banking. Open, proactive ,teem based and learning organization 5 decades of experience in the fields of Less advertisement Operates only in regional level only
banking
Concentrates mainly on rural agriculture development
Opportunities:
Enhancement of Providing ATM facilities Providing internet and mobile
Threats:
Easy policies Less documentation for different
banking facilities
Providing life insurance schemes
types of loans
Updating facility to their customers
LEARNING EXPERIENCE
Project work is the practical orientation program which every student has to undergo as per part the academy .This work enriches the practical knowledge, about the functioning of the organization. The scope of the project covers the various aspects of an organization like how they work authority responsibility, distribution and functioning of different departments. It was a great opportunity for me to carry out a project work with Co-operative Bank. During this period I was exposed to many of the banking concepts, terms, process and systems. Concepts which I learnt during my academy theoretically were been experienced practically in the bank. Basic management concepts such as planning, organizing, directing and controlling were implemented smoothly in the bank.
GENERAL INTRODUCTION Introduction to Finance: Finance is a life-blood of every business. At present, we cannot think of an economy without money because an economy without money cannot function as effectively, efficiently and smoothly.
Meaning of Finance: Finance is the master key, which provides access to all the resources for being employed in manufacturing activities. Finance is the art raising and spending of money. Every business concern requires money or finance to commence its operations to continue its operations and for expansion or growth.
Advances play an important role in the gross earnings and net profit of banks.
The basic function of a bank irrespective of type is to enable individuals & business enterprise to purchase of goods & services.
Consumers demand credit to acquire goods for which they pay on a future
date.
Function of modern banks, lending with security is the most important function.
The
proper
management
of
loans
&
advances
is
known
as
All type of business activity including trade, industry & agriculture depends on bank finance. Banks assists in creating more employment & thus helps in raising the standard of living.
The study CREDIT MANAGEMENT aims to covering the process of financing and managing credit. The study of credit management is applied in banking and financial institutions.
The scope of the study is limited to the data of THE S.C.F.S COOPERATIVE BANK LIMITED.
The scope of the Credit Management of the S.C.F.S Co-operative Bank covers the Comparison , of assets and liability of current year with the previous five years.
The study is confined to finance department. The study is limited only to Comparative analysis, Comprehensive analysis,
study the position of various loans and advances. Study the policy of borrow or raise money. Study the various types of loans schemes offered and to analyze their growth.
Study about the reasons contributing towards the growth of the loans and advances.
Methodology and Data Collection: For analysis of investment structure, many methods are available such as comparative financial position of the bank, profit and loss account, balance sheet etc, The technique selected for the study includes table & graphs relating to the credit methodology. Sources of Data: There are two type of sources of data collection Viz;. Primary data. Secondary data. Primary Data: Short interviews with the branch managers, Employees and customers of the branch. Secondary Data: Accounting records like registers, annual records, and audit reports and inspection files are the internal secondary data. A manual, journals, magazines and text book is collection the external secondary data.
The bank is not maintaining any particular fund flow statement. The banks total expenses are met out of profits made. It is observed that Saving Deposits and Fixed Deposits constitute a major part of total deposits.
PRIMARY OF FINDINGS:
It is observed that the credit operation is fluctuation in recovery. The bank shows various sales increasing in year by year.
The SCFS co operative banks interest rate 13% of overall loans except kissan credit card interest rate only 1%.
The loans provided by the bank such as Gold loan and vehicle loan are
The bank should attract more and more on recurring deposits, saving
SHG deposits by providing good services when compared to the other banks.
The bank should provide its customer advanced services such as Ebanking, Tele-Banking, ATMs services Etc., so that more and more customers are attracted. That helps the bank to lend to higher level and in turn will result in increasingly its profitability.
The bank should increase its branches throughout the state for its future growth. So that it may help the bank to extends its valuable services to the customers.
The Hoskote SCFS co-operative Banks must provide ATMs services to provide better services to customers.
The bank can provide advances and loans to the general public for
the following purposes:
The procedure in sanctioning the loan is to be reduced. The bank has to provide agriculture loan at interest rate for all agricultural activities.
CONCLUSION:
The credit management process carried The credit department thoroughly analysis the credit requirement of the company and the capacity to service the debt. The credit appraisal passes through various stages and evaluations before it is appraised. In early days lending were provided in less numbers because the formalities for sanctioning and the interest rates were too high. However, after globalization the banks have reduced the formalities as well as interest rates on various loans and advances.
The system module of SCFS co-operative bank at present is functioning well. It gave me a good insight in to the whole process of sanctioning loan and difficulties that are faced in dealing with the client.
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