Professional Documents
Culture Documents
PREPARED BY
KEDAR BHIDE
ROLL NO. 03
T.Y.B&I
GUIDE
Mrs. LEKHA VISARIA.
UNIVERSITY OF MUMBAI,
MUMBAI- 400028
Year 2013- 2014
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T.Y. BANKING AND INSURANCE (SEM-V)
MAT.K.M.PAETL COLLEGE OF
COMMERCE AND SCIENCE
THAKURLI (E)
Place: _________
Date: __________
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T.Y. BANKING AND INSURANCE (SEM-V)
Place: __________
Date: ___________
Supervisor : ___________________
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T.Y. BANKING AND INSURANCE (SEM-V)
Abstract
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T.Y. BANKING AND INSURANCE (SEM-V)
INDEX
SR.NO PARTICULER PAGE.NO
CHAPTER.1 INTRODUCTION 08
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T.Y. BANKING AND INSURANCE (SEM-V)
1.8 HYPOTSIS
DEFINITION OF THE
IMPORTANT TERNS
1.9
ASSUMPTION OF THE
1.10
STUDY
1.11
REVIEW OF LITERATURE
1.12
METHODOLOGY
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T.Y. BANKING AND INSURANCE (SEM-V)
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T.Y. BANKING AND INSURANCE (SEM-V)
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T.Y. BANKING AND INSURANCE (SEM-V)
BIBLIOGRAPHY 80
ANNEXURE 81
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Chapter-1
INTRODUCTION
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▪ The credit limit will be valid for three years and the bank
will conduct internal reviews annually and enhancement of
the limit will happen based on the operations.
▪ Objective-
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T.Y. BANKING AND INSURANCE (SEM-V)
▪ Ceiling-
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T.Y. BANKING AND INSURANCE (SEM-V)
▪ Insurance-
▪ Security/Margin/Interests/Prudential Norms-
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T.Y. BANKING AND INSURANCE (SEM-V)
▪ Eligible concerns-
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▪Purpose-
▪ Borrower‟s contribution-
▪ Bank finance-
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▪ Objective-
▪ Participating Bank-
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▪ Quantum of limit-
Short term credit limit for crops term loan and working
capital limit for agriculture.
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T.Y. BANKING AND INSURANCE (SEM-V)
● AGRICULTURE-
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T.Y. BANKING AND INSURANCE (SEM-V)
● TINY UNITS-
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● RETAIL TRADE-
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1.7) Hypothesis: -
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1.11) Methodology:-
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Scope-
The present study has been taken to find out various rural
banking facilities and analyze the customer awareness
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T.Y. BANKING AND INSURANCE (SEM-V)
Limitation-
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T.Y. BANKING AND INSURANCE (SEM-V)
Chapter- 2
Review Of Literature
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T.Y. BANKING AND INSURANCE (SEM-V)
http://ideas.repec.org/p/bri/cmpowp/04-104.html
Background -
Findings –
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T.Y. BANKING AND INSURANCE (SEM-V)
http://ideas.repec.org/a/ucp/ecdecc/doi10.1086-
657122.html
Background -
Findings -
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T.Y. BANKING AND INSURANCE (SEM-V)
Background-
Findings-
1) I find that rural banking had a larger effect on no
poor households relative to poor, defined in terms of
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T.Y. BANKING AND INSURANCE (SEM-V)
Background-
The banking system touches the lives of millions and has
to be inspired by larger social purpose and has sub verse
national priorities and objectives such as rapid growth of
agriculture, small industries and exports, rising of literacy
rate, encouraging new entrepreneurs and development of
backward areas.
Findings-
1) Branch expansion and priority sector lending scheme
became the main part of rural banking.
2) During the post nationalization period, spanning more
than 3 decades, the Bank has grown in size and stature
with more than 80,547 branches (31,667 branches in
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T.Y. BANKING AND INSURANCE (SEM-V)
http://ideas.repec.org/p/bri/cmpowp/04-104.html
Background-
Government of India initiated the revolutionary concept of
rural banking for operational flexibility and effectiveness.
Priority sector lending is another notable initiative of the
government of India to strengthen the rural banking
concept. Branch banking into unbanked areas and priority
sector lending to target sectors have succeeded in the
reduction of poverty in India and bringing about a uniform
sect oral development particularly in rural areas to some
extent.
Findings-
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T.Y. BANKING AND INSURANCE (SEM-V)
http://www.kpmg.com/global/en/issuesandinsights/articles
publications/social-banker/pages/future-of-socialbanking.aspx
Background -
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T.Y. BANKING AND INSURANCE (SEM-V)
Chapter – 3
RESEARCH METHODOLOGY
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a) Primary data:-
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a) Secondary data:-
Journals
Newspaper
Internet
Books
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T.Y. BANKING AND INSURANCE (SEM-V)
Chapter - 4
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T.Y. BANKING AND INSURANCE (SEM-V)
100
90%
90
80
70
60
50
40
30
20
10%
10
0
YES NO
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T.Y. BANKING AND INSURANCE (SEM-V)
Interpretation: -
1) Out of total respondent 90% are aware about rural banking
facility.
2) Only 10% respondent is unaware about rural banking facility.
100
90
80
70%
70
60
50
40
30
20 14% 16%
10
0
PERSONAL COMMERICAL PUBLIC
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T.Y. BANKING AND INSURANCE (SEM-V)
Interpretation: -
1) Out of total respondents 70% are knowing about rural
banking facility through public source i.e. TV, Radio etc.
2) 10-20% respondents are knows through commercial and
personal sources.
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T.Y. BANKING AND INSURANCE (SEM-V)
100
90
80
70%
70
60
50
40
30%
30
20
10
0
YES NO
Interpretation:-
1) More than 50% respondents are applies for loan under rural
banking facility.
2) Only 30% are not applies for loan.
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T.Y. BANKING AND INSURANCE (SEM-V)
100
90
80
70
60
50
43%
40
31%
30
20 17%
8%
10
0
1 VISITS 2 VISITS 3 VISITS 3 + VISITS
Interpretation: -
1) Maximum people are visited in bank only 1 time for inquiry.
2) 31% are visited by 2 times.
3) 05-20% people are visited for 3 and more times.
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2 TOTAL 35 35
RESPONDENT
100 100%
90
80
70
60
50
40
30
20
10
0%
0
YES NO
Interpretation: -
1) 100% respondent responded that all quires are solved by
banks.
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T.Y. BANKING AND INSURANCE (SEM-V)
1 RESPONSE 20 05 10 00
RECEIVED
2 TOTAL 35 35 35 35
RESPONDENT
100
90
80
70
60 57%
50
40
29%
30
20 14%
10
0%
0
AGRICULTURE SME's EDUCATION OTHER
Interpretation: -
1) Maximum people are taking loan for agriculture purpose.
2) Up to 14% are taking for SMEs purpose.
3) More than 20% customers is applying for education loan.
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T.Y. BANKING AND INSURANCE (SEM-V)
1 RESPONSE 22 06 07
RECEIVED
2 TOTAL 35 35 35
RESPONDENT
100
90
80
70 63%
60
50
40
30
20%
20 17%
10
0
ZERO BALANCE UPTO RS 200 UPTO RS 400
Interpretation: -
1) In maximum banks minimum balance is 0 for opening account
to avail rural banking facilities.
2) 15-20% banks charges from Rs-0 to Rs-400 for account
opening.
8) How are the legal formalities to avail the banking service?
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T.Y. BANKING AND INSURANCE (SEM-V)
1 RESPONSE 13 18 04
RECEIVED
2 TOTAL 35 35 35
RESPONDENT
100
90
80
70
60
51%
50
40 37%
30
20
12%
10
0
GOOD SATISFACTORY NON
SATISFACTORY
Interpretation: -
1) Maximum i.e.51%respondent said that legal formalities are
satisfactory.
2) 37% respondents told that legal formality is good.
3) Only 12% customer dissatisfied with this formalities.
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T.Y. BANKING AND INSURANCE (SEM-V)
90
83%
80
70
60
50
40
30
20 17%
10
0
YES NO
Interpretation: -
1) Out of total respondents only 17% are not expecting softer
legal formalities.
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T.Y. BANKING AND INSURANCE (SEM-V)
100
90
80
70
60
51% 49%
50
40
30
20
10
0%
0
PERSONAL COMMERICAL PUBLIC
Interpretation: -
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T.Y. BANKING AND INSURANCE (SEM-V)
100
90
80
70
60
50
40
30
43%
20
34%
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T.Y. BANKING AND INSURANCE (SEM-V)
10 23%
0
Interpretation: -
1) Maximum people are taking loan up to Rs 100000 only.
2) 34% is taking loan more than Rs 1000000.
3) Up to 23% people are taking Rs 100000 to 1000000.
100
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T.Y. BANKING AND INSURANCE (SEM-V)
90
80 83%
70
60
50
40
30
20
10
17%
YES NO
Interpretation: -
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T.Y. BANKING AND INSURANCE (SEM-V)
100
90
80
70
60 57%
50
43%
40
30
20
10
0
YES NO
Interpretation: -
1) Majority respondent are satisfied with interest rate charged
by banks.
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T.Y. BANKING AND INSURANCE (SEM-V)
100
90
80
70
60 57%
50
43%
40
30
20
10
0
BY CASH BY CHEQUE
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T.Y. BANKING AND INSURANCE (SEM-V)
Interpretation: -
1) Maximum respondent respond makes repayment through
cash mode only.
2) Out of total respondents only 43% make repayment by
cheque.
1 RESPONSE 02 04 16 13
RECEIVED
2 TOTAL 35 35 35 35
RESPONDENT
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T.Y. BANKING AND INSURANCE (SEM-V)
100
90
80
70
60
50 46%
40 37%
30
20
11%
10 6%
0
MONTHLY QUERTARLY HALF- YEARLY YEARLY
Interpretation: -
1) Generally the period for repayment is half yearly.
2) 37% repaid by yearly.
3) 5%-20% respondent repaid money monthly to quarterly. 16)
Have you failed to make repayment of loan?
TABLE NO PARTICULAR YES NO
1 RESPONSE 01 34
RECEIVED
2 TOTAL 35 35
RESPONDENT
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T.Y. BANKING AND INSURANCE (SEM-V)
100 97%
90
80
70
60
50
40
30
20
10
3%
0
YES NO
Interpretation: -
1) Maximum respondent have not failed to make repayment of
loan.
2) Only 3% respondent are failed to make repayment of loan.
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T.Y. BANKING AND INSURANCE (SEM-V)
2 TOTAL 35 35
RESPONDENT
100
91%
90
80
70
60
50
40
30
20
10 9%
0
YES NO
Interpretation: -
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T.Y. BANKING AND INSURANCE (SEM-V)
100
90
71%
80
70
60
50
40
29%
30
20
10
0
YES NO
Interpretation: -
1) 71% respondents suggest to other for rural banking
facility.
2) 29% respondents are not suggested for rural
banking facility.
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T.Y. BANKING AND INSURANCE (SEM-V)
Chapter 5
SUMMERY OF
FINDINGS AND
CONCLUSIUON
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Findings:-
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Summary:-
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Conclusion:-
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T.Y. BANKING AND INSURANCE (SEM-V)
Chapter 6
SUGGESTION
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BIBLIOGRAPHY
WWW.RBI.CO.IN
WWW.SME.IN
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T.Y. BANKING AND INSURANCE (SEM-V)
& Science
Padmakar Colony, Near railway
station, thakurli(East)
Name : --------------------------------------------------------------
Address : --------------------------------------------------------------
----------------------------------------------------
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1. Yes 2. No
2. 2 visits
3. 3 visits
4. Other
3. Up to Rs 400
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T.Y. BANKING AND INSURANCE (SEM-V)
----------------------------------------------------------------------
--------
1. Yes 2. No
1. Personal 2. Commercial
3. other
2. Rs.1000000and more
1. Yes 2. No
1. Yes 2. No
1. By Cash 2. By Cheque
1. Monthly 2. Quarterly
3. Half-yearly 4. Yearly
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1. Yes 2.No
---------------------------------------------------------------
--------------
----------------------------------------------------------------
------------
1. Yes 2. No
20) Will you suggest to other for rural banking facility or this
service?
1. Yes 2. No
---------------------------------------------------------------
-------------
----------------------------------------------------------------
-----------
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Science
Padmakar Colony, Near railway station, thakurli(East)
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90
T.Y. BANKING AND INSURANCE (SEM-V)
----------------------------------------------------------------
------
1.Yes 2.No
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T.Y. BANKING AND INSURANCE (SEM-V)
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T.Y. BANKING AND INSURANCE (SEM-V)
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