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7/31/2019 Ankit Soni 1

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A

PROJECT REPORT

ON

THE LOANS AND ADVANCES ANALYSIS

OF

SUBMITTED BY:

PINKY RAMESHCHANDRA PATEL

Enrollment No: 097500592047

(Batch No: 2009-11)

SUBMITTED TO:

S.R.LUTHRA INSTITUTE OF MANAGEMENT

(Institute Code No: 750)

Gujarat Technological University, Surat.


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PREFACE

Theory without practice has no fruit

Practice without theory has no root.

As the student of Masters of Business Administration, I am imparted with all the minute things

in the books about managing a business and about administrating an organization, but it is the

happening what matters in this world and so the foreseers of MBA degree course have

recommended practical study based on research. This is with a view to strike a balance between

the theory that is taught at the classroom of a college and its application in the real life. Such

practical exposure widens ones vision and views and gifts another eye to see beyond what is

seen through an eye of theory.

The importance of practical exposures cant be neglected. The objective of practical exposure is

to familiarize the future with the weaving waters of industry. The practical aspect is very

essential not only to enhance the theoretical concepts but also to know the practical problem

and their remedies.

This report deals with banks activities related to loans. It includes lending procedure, available

schemes of loans in bank, criteria for loan sanction, recovery procedure etc.

Subject matter of this report has been elaborated with simple words and lucid. Tables, charts,figure have been given to facilitate understanding.


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ACKNOWLEDGEMENTS

The completion of any project is not the result of the endeavors of any single person. A lot of

people contribute towards it, whether directly or indirectly. This project on The loans and

advances analysis of the Sutex co-operative bank ltd. which was a part of my Management

Research Report is no different, and I would like to take this opportunity to express my

gratitude towards all the people who have made the difference.

I would like to express our sincere gratitude and whole hearted thanks to our project guide Mr.

Jayavant B. Shinde (C.E.O) and Mr. Mahesh V. Jariwala from The Sutex co-operative Bank for

granting the permission and providing us with their valuable guidance.

I am also thankful to all those respondents from the bank who had given their valuable time to

provide banks annual reports and other related documents and their support. Last but not the

least, I whole heartedly thank my family members and friends who always stand by my side to

support and guide in every work I undertake.

Date: 23/07/2010

Place: Surat

Pinky R. Patel


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EXECUTIVE SUMMARY

This project title is The Loans and Advances Analysis of The Sutex co-operative Bank ltd.

The project includes collecting information about awareness about the how to deal with the

various loans and advances procedures through various schemes provided by the bank in the

different sectors.

Co-Operative bank are based on the value of self responsibility, democracy, equity & solidarity. Co-

Operative banks are promoted to meet the banking requirements of consumers not only in urban areas

but also in rural areas. In the world Co-Operative activity was started in December 1844, in Britain

social development is the sole aim of co-operative activity.

Loans and advances granted by commercial banks are highly beneficial to individuals, firms,companies and industrial concerns. The growth and diversification of business activities are

effected to a large extent through bank financing. Loans and advances granted by banks help in

meeting short-term and long term financial needs of business enterprises.

Loans procedures deals with the various principles:

Security

Liquidity

Profitability

Risk and more

In this project, I have endeavored to conduct a comparative analysis of the Sutex Banks loans

and Advances.

It has been a great pleasure in preparing in this report. I believe that this report will help to

provide concise and clear picture of understanding and awareness about the Loans and

advances procedures in India.


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INDEX

1. Banking Sector

1.1Introduction of Banking.01

1.2Origin of Banks in India.....02

1.3Banking System in India04

1.4Scope of the Banking Sector..08

1.5Classifications of the Banks...09

2. Introduction of Co-operative Banks

2.1Origin of the co-operatives banks..................10

2.2Co-operative Banks in India...12

2.2.1 Some facts about Co-operative banks13

2.2.2 Other Details...13

2.3Structure of co-operative Banking in India....15

2.3.1 The State Co-operative Bank.....16

2.3.2 The District Central Co-operative Bank.....16

2.3.3 The Primary Agricultural Credit Societies.....16

3. The Sutex Co-operative bank

3.1Introduction of the bank.....17

3.2History of the bank ....19

3.3 SWOT Analysis of the bank...21

3.4 Present Situation of The Sutex co-operative Bank.22

3.5Branches of the bank..23

3.6 Board of Directors..26

3.7 Organization structure of the bank.27

3.8 Performance of the bank.28

4. Research Methodology

4.1 Types of Research ............................30

4.1.1 Objectives...............................31


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4.2 Research Methodology .32

4.2.1 Instrument of the research..33

4.3Limitations of the research.....................................34

5. Loans and Advances Analysis

5.1Literature review35

5.2Introduction............36

5.3Utility of Loans and advances....38

5.4Principles of sound lending40

5.5Types/Forms of Advances..41

5.5.1 Loans..43

5.5.2 Cash credit system..49

5.5.3 Overdraft....53

5.5.4 Bill discounted and purchased54

5.6Procedures of loans57

5.7Various Schemes offered by bank..59

5.8Recovery procedure of loan...66

5.9Comparatively Growth Rate Discussion67

5.9.1 Interpretation..73

6. Findings...74

7. Recommendations..76


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8. Conclusion...77

9. Bibliography...78

10. Annexure/Specimens......

79

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