CHAPTER 4

1
DATA ANALYSIS AND FINDINGS

A) Comparison of home loans

The comparative study of SYNDICATE BANK home loan products and process was
conducted with similar services offered by other financial institutions. The study was done on
the leading market players like ICICI, SBI, AXIS Bank etc. The study illustrates prevailing
rate of interests, percentage of funding, tenure of home loan and fees , documentation and
repayment options features etc being launched in other banks .

From this study, SYNDICATE BANK can identify the difference

between their schemes and charges charged by other banks. Therefore this can help
SYNDICATE BANKto change their schemes accordingly so as to perform better than other
financial institutions.

B) Financial Analysis

The study of Balance Sheet and Profit and loss A/c of SYNDICATE BANK Ltd. for two
years i.e2017-2018 and 2018-14.The financial statements for these two years help me out in
preparation of Ratio Analysis and Cash Flow Statement of SYNDICATE BANK Ltd.

From this study of Ratio Analysis and Cash Flow Statements to interpret the results that the
future of SYNDICATE BANK Ltd. is bright.

2
BUSINESS PROFILE(for self employed people)

BANKS STATE BANK IDBI BANK UBI SYNDICATE

OF INDIA BANKBANK
DOCUMENTS 1. SALES DEED ITR & ALL SAME ALL SAME
2. MUTATION BALANCE
3. LEGAL SHEET &P/L
SEARCH (LAST 2
REPORT(BANK YEARS)
ADVOCATE) &
4. DESIGN & OTHERS SAME
ESTIMATE
(ARCHITECT) 5.
VALUATION
REPORT
6. ITR (LAST 3
YEARS)
7.BALANCE
SHEET & P/L
(LAST 3
YEARS)
8. BANK
STATEMENT
(CURRENT &
SAVINGS, 6
MONTHS)
9. BUSINESS
PROFILE
10. ID PROOF
16. RESIDENCE
PROOF
17. PHOTOS
18. PROPERTY
PAPERS

3
RATE OF UPTO 30 LAC – UPTO 30 LAC – UPTO 5 YEARS – UPTO 30
INTEREST 8.75% 8.75% 9% LACS
30- 50 LACS – 30- 50 LACS 5 – 10 YEARS – 1st YEAR –
9% – 9% 9.25% 8.25%
> 50 LACS – > 50 LACS – 10-15 YEARS – 2nd YEAR –
9.25% 9.25% 9.5% 9%
15- 25 YEARS – 3rd YEAR – 9%
9.5% MORE THAN
30 LACS
1st YEAR –
8.25%
2nd YEAR–
9.25%
3rd YEAR –
9.25
PROCESSING 0.5% OF LOAN 1% OF LOAN 0.5% OF LOAN 0.5% OF LOAN
FEES TAKEN TAKEN (.5% TAKEN + 1500 TAKEN ( IF
NEGOTIABLE LAWYERS FEES LOAN
FOR GOVT (NOT ALREADY
EMPLOYEES) NEGOTIABLE) EXIST THEN
NEGOTIABLE
.25%)
REPAYMENT A. MAX 60% OF BELOW 55 FOR FLAT/PLOT MAX 20
TERMS NET INCOME YEARS -MAX MAX YEARS - 20 YEARS OR 60
B.BELOW 55 20 YEARS YEARS YEARS OF
YEARS -MAX 20 REPAYMENT CONSTRUCTION AGE
YEARS PERIOD OR 65 MAX YEARS - 10
REPAYMENT YEARS OF AGE YEARS
PERIOD OR 65
YEARS
ELIGIBILITY 85% of the cost of 85% of the cost GROSS INCOME 85% of the cost
- 4 TIMES MAX
OF LOAN property OR 4 of property ( of property OR
NET INCOME - 5
AMOUNT times the amount below 30 lakhs) TIMES & 100% of the
MAX AMOUNT -
of income (Avg of OR 80% of the amount of
50 LACS &
3 years' income) cost of property FOR ( 7 registry.
METROS)- 100
(above 30 lakhs)
LACS

4
OWN SOURCE NIL NIL ( AFTER 6 90%
MONTHS) PREPAYMENT
ANYTIME
STARTING
FROM THE
REFINANCE 2% 2% NEXT MONTH
OF THE
LOAN. 17 EMI
TO RUN
AFTER THAT.
INSURANCE OF YES YES NO YES
THE PROPERTY (OPTIONAL) (OPTIONAL) (OPTIONAL)
AREAS OF Any area inside or Any area inside NOT OUTSIDE Any area inside
FUNDING outside tricity the or outside tricity THE TRICITY or outside tricity
condition being it the condition the condition
should not have being it should being it should
been given on not have been not have been
GPA or through given on GPA or given on GPA
Share transfer through Share or through
transfer Share transfer
GURRANTOR Guarantor is NOT DEPENDS UPON NOT
required(one who REQUIRED CASE REQUIRED
is an Income Tax
Assessee and
he/she has to have
an account in
State bank of
india)
ADDITIONAL N/A DEPENDS DEPENDS UPON N/A
SECURITY UPON CASE CASE

BUSINESS
PROFILE(for
self employed
people)

5
BANKS AXIS BANK BANK OF INDIA SYNDICATE BANKLtd.
DOCUMENTS ALL SAME 1.PHOTOGRAPHS 1.BALANCE SHEET , P
2.IDENYITY PROOF & L AND ITR (LAST
3.LOCAL ADDRESS THREE YEARS)
PROOF 4.BANK 2. BUSINESS PROFILE
STATEMENT (LAST 3. COPIES OF
6 MONTHS) INDIVIDUAL TAX
5.ITR (LAST 3 CHALLANS FOR THE
YEARS) LAST THREE YEARS.
6.BALANCE SHEET 4. COPY OF ADVANCE
& P/L (LAST 3 TAX CHALLAN (IF
YEARS) ANY)
7.PROOF OF WORTH 5.BANK STATEMENT (
8.SALE LAST 17 MONTHS)
AGRREMENT
9.COPY OF
APPROVED MAP.
10ESTIMATION OF
CONSTRUCTION.
16. COPY OF TITLE
DEED & PREVIOUS
TITLE DEED
RATE OF UPTO 30 LACS -
INTEREST 8.75%
ABOVE 30
LACS – 9.25%
PROCESSING 0.5% OF LOAN .55% OF THE LOAN 1% OF LOAN AMOUNT
TAKEN
FEES AMOUNT
REPAYMENT MONTHLY EMI 15 YEARS - 1029 MAX TO 20 YEARS
FOR 25 YEARS
TERMS PER LACS 10 YEARS
- 822
FOR 20 YEARS - 1767 PER LACS
- 884
FOR 15 YEARS
- 999
FOR 10 YEARS
– 1753

6
ELIGIBILITY 85% OF THE 75% OF THE COST A. IIR (INCOME
OF LOAN COST OF OF PROPERTY OR 4 INSTALMENT RATIO)
AMOUNT PROPERTY OR TIMES LAST THREE = EMI/GROSS INCOME
55% OF THE YEARS AVERAGE MAX 40%, IN CASE
NET INCOME ANNUAL INCOME MORE EMI REDUCE
B. FOIR
= ALL
OBLIGATION/GROSS
INCOME , MAX
TO 35%
OWN SOURCE
REFINANCE NIL NIL
INSURANCE OF NIL 0.65% YES (OPTIONAL)
THE
PROPERTY
AREAS OF YES REQUIRED FOR APPROVED PROJECTS
FUNDING (OPTIONAL) BUILDING NOT FOR ONLY & FLATS
LAND TRANSFERABLE ON
GPA & ALSO FUNDED
WITH ADDITIONAL
SECURITY i.e 1.5
TIMES THE GPA
PROPERTY
GURRANTOR Any area inside Any area inside or DEPENDS UPON CASE
or outside tricity outside tricity the
the condition condition being it
being it should should not have been
not have been given on GPA
given on GPA or
through Share
transfer

7
ADDITIONAL NOT LOCAL DEPENDS UPON CASE
SECURITY REQUIRED GURRANTOR IN
CAES OF OUTSIDE
TRICITY, MIGHT
REQUIRE KEEPING
THE PROPERTY
INTO
CONSIDERATION

8
COMPARATIVE ANALYSIS OF VARIOUS BANKS FOR HOME LOANS (for
employed people)
STANDARD BANK OF INDIA. SYNDICATE
CHART. BANKLIMITE
D
Maximum loan amount 75% of the cost of 75% of the cost of 85% of the cost
the property Property or four of property
times the avg income
of last three years
Rate of interest: (
FLOATING )
below 30 lakhs 8.5% floating 9.25%(for 10 years n till 30th june all
above) applications
received can be
locked in under
dual rate. March
2016 - 8.25%,
Till March 2017
- 9% 3rd year
onwards Floating
30 lakhs - 50 lakhs 9% ( for below 10 rate( PLR-
years) 4.75%)
more than 50 lakhs housing loan:
upto 30 lakhs-
8.75%, 30 - 50
lakhs -9%, above
50 lakhs - 9.25%
Plot loan: Upto
30 lakhs -
9.25%, 30 - 50
lakhs - 9.5%,
above 50 lakhs -
9.75%

9
 following loans
are given when
the person has
home loan
Equit loan ( loan
against property)
16.25%
top up loan -
10.25%
education loan -
upto 30 lakhs -
9.75%, 30 - 50
lakhs -10%,
above 50 lakhs -
10.25%
Processing charges 0.55% 1% of the loan
amount
Pre-payment charges: 51,229.20 fixed: 2% if the
amount being

own source Nil repaid is more

Refinance 0.65% than 25% of the

Broken Interest Charges opening balance

adjustable: 2%
if the amount
being repaid is
more than 25%
0f the opening
balance and is
paid within 3
years of the date
of first
disbursement.
Additional security in case of GPA not required in case of GPA

10
Insurance of the property required for required for building optional
building not for land
Area of funding anywhere except any area but the
GPA project has to be
approved by the
MC. GPA
property is also
financed but
with an
additional
security of 1.5
times the cost of
the GPA
property.
Guarantor depends on case to local guarantor in depends on case
case case of outside tricity. to case
Might require a
guarantor in tricity
keeping property into
consideration.
Resale of the property
Additional documents sale agreement, copy area to be
of the title deed and
approved by MC
previous title deeds,
copy of the approved
map duly signed,
estimation of the
construction/
renovation cost, any
other statutory
permission as
required by the local
authority.
DOCUMENTS
REQUIRED:
(1)Income tax return with 3 3 3
computation (years)

11
(2)Balance sheet and 3 3 3
Income statement (years)
(3) Six months bank √ √ √
statement
(4) Residence proof √ √ √
(5) Pan card √ √ √
(6)Landline bill original √ √ √
(7) Business Profile not required not required √
(8) Property paper √ √ √
(9) Passport size √ √(applicant + √
photograph guarantor)
(10) R C Photocopies not required not required not required

COMPARATIVE
ANALYSIS OF
VARIOUS BANKS
FOR HOME LOANS
(for employed
people)

STATE AXIS IDBI BANK SYNDICATE

BANK OF BANK BANKBANK
INDIA
Maximum loan 85% of the 85% of the 85% of the cost 85% of the
amount cost of cost of of property ( cost of
property OR 4 property below 30 lakhs) property OR
times the OR 80% of the 100% of the
amount of cost of property amount of
income (Avg (above 30 lakhs) registry.
of 3 years'
income)
Rate of interest: (
FLOATING )
below 30 lakhs 8.75% 8.75% 8.75% 8.25% for

12
 first year; 9%
for second
year; 9.25%
onwards
30 lakhs - 50 lakhs 9% 9% 9% 8.25% for
first year; 9%
for second
year; 9.25%
onwards

more than 50 lakhs 9.25% 9.25% 9.25% 8.25% for

first year; 9%
for second
year; 9.25%
onwards
Processing charges 0.50% 0.50% 1% 0.5% ;
(negotiable)(.50% 0.25%( if
for govt loan already
existing)
Pre-payment charges: 90%
prepayment
anytime
starting from
the next
month of the
loan. 17
EMIs to run
after that.
own source Nil nil nil (after 6
months)

Refinance 2% nil 2%

13
Broken Interest √
Charges

Additional security not required not depends upon the not required
required case

Insurance of the Yes yes optional not required

property

Area of funding Any area

inside or
outside tricity
the condition
being it
should not
have been
given on GPA
or through
Share transfer

Guarantor Guarantor is Not yes in case of not required

required(one required business,no in
who is an case of salaried
Income Tax
Assessee and
he/she has to
have an
account in
State bank of
india)

Resale of the property Allowed allowed allowed with allowed

security

Additional documents Registered Not depends upon the Map and

Sale deed, required case Area to be

14
 Mutation approved by
copy, map and the MC
estimate
approved by
the authority

DOCUMENTS
REQUIRED:
(1)Income tax return 3 3 2 3
with computation
(years)
(2)Balance sheet and 3 3 2 3
Income statement
(years)
(3) Six months bank √ √ √ √
statement
(4) Residence proof √ √ √ √
(5) Pan card √ √ √ √
(6)Local Address not required not not required √
Proof required
(7) Business Profile √ not √ √
required
(8) Property paper √ √ √ √
(9) Passport size √ √ √ √
photograph

15
16
SYNDICATE BANKBANK LTD

RATIO ANALYSIS

for year ending March 31, 2018

1.CURRENT RATIO: CURRENT ASSETS/CURRENT LIABILITIES

For the Year 2017-18

Rs.53,59,17,46,262 = 2.018:1

Rs.26,56,16,40,847

For the year 2016-17

Rs.18,76,16,65,268 = 0.651:1

Rs.28,83,36,87,487

Note: 1.Current Assets Are Taken Except Loans And Advances

2. Current Liabilities Are Taken Except Provisions

17
 2.ABSOLUTE LIQUID RATIO: ABSOLUTE LIQUID ASSESTS/CURRENT

LIABILITIES

For the Year 2017-18

Rs.5,22,41,47,60,065- Rs.5,85,606

Rs.26,56,16,40,847

= Rs.52,24,08,90,459 = 1.97:1

Rs.26,56,16,40,847

For the Year 2016-17

Rs.17,18,48,32,905 = 0.338:1

Rs.28,83,36,87,487

Note: 1.Absolute Liquid Assets =Cash And Bank Balance Except Cash With RBI

2. Current Liabilities Are Taken Except Provisions

18
 3.RATIOS OF LONG TERM DEBT TO SHAREHOLDERS’ FUND: LONGTERM
DEBT/SHAREHOLDERS’ FUND

For the Year 2017-18

Rs.8,77,71,97,08,058 = 5.78:1

Rs.1,51,97,65,86,590

For the Year 2016-17

Rs.7,59,54,90,10,918 = 5.78:1

Rs.1,31,37,38,78,518

Note: 1.Long Term Debt Are Taken Except Following:

A) Short Term Foreign Currency Borrowings From Banks

B) Unsecured Foreign Currency Convertible Bonds
C) Loans From Scheduled Banks (Unsecured)-Short Term
D) Commercial Paper(Unsecured)
E) Interest Accrued And Due
2. Shareholders’ Fund=Share Capital + Reserves And Surplus

19
 4.PROPRIETORY RATIO: SHAREHOLDERS’ FUND/TOTAL ASSETS

For the Year 2017-18

Rs.1,51,97,65,86,590 .

Rs.16,17,62,96,74,904+ Rs.48,78,46,89,701

= Rs.1,51,97,65,86,590 = 0.180:1

Rs.16,66,41,43,64,605

For the Year 2016-17

Rs.1,31,37,38,78,518 .

Rs.9,69,93,46,86,387+ Rs.46,63,44,72,308

= Rs.1,31,37,38,78,518 = 0.179:1

Rs.10,16,56,91,58,695

Note: 1.Shareholders’ Fund=Share Capital As Per Schedule 1 + Reserves And

Surplus As Per Schedule 2

2. Total Assets= Loans And Advances As Per Schedule4 + Investment As Per

Schedule 5 + Current Assets, Loans And Advances Schedule 6 +

Fixed Assets As Per Schedule 8

20
 5.FUNDED DEBT TO TOTAL CAPITALIZATION: FUNDED DEBT / TOTAL
CAPITALIZATION * 100

For the Year 2017-18

Rs.9,65,65,30,88,314 = 0.864:1

Rs.16,17,62,96,74,904

For the Year 2016-17

Rs.8,38,56,08,07,874 = 0.865:1

Rs.9,69,93,46,86,387

Note: 1.Funded Debt= Loans As Per Schedule 3

1. Total Capitalization =Share Capital As Per Schedule 1+ Reserve And Surplus As Per
Schedule 2+ Loans As Per Schedule 3

21
 6.DEBT/EQUITY RATIO: OUTSIDERS’ FUND/SHAREHOLDERS’ FUND

OR

EXTERNAL EQUITIES/INTERNAL EQUITIES

For the Year 2017-18

Rs.9,65,65,30,88,314 = 6.35:1

Rs.1,51,97,65,86,590

For the Year 20016-17

Rs.8,38,56,08,07,874 = 6.39:1

Rs.1,31,37,38,78,518

Note: 1. Outsiders’ Fund= Loans As Per Schedule 3

2. Shareholders’ Fund=Share Capital As Per Schedule 1 + Reserves And

Surplus As Per Schedule 2

22
 7.SOLVENCY RATIO: TOTAL LIABILITIES TO OUTSIDERS/TOTAL ASSETS

For the Year 2017-18

Rs.9,92,21,47,29,161 = 0.851:1

Rs.16,66,41,43,64,605

For the Year 2016-17

Rs.8,67,39,44,95,361 = 0.853:1

Rs.10,16,56,91,58,695

Note: 1.Total Liabilities To Outsiders= Loan Funds As Per Schedule 3 +Current Liabilities And
Provisions As Per Schedule 7 (Except Provisions Under Schedule 7)

2. Total Assets= Loans And Advances As Per Schedule 4 + Investment As Per

Schedule 5 + Current Assets, Loans And Advances Schedule 6 +

Fixed Assets As Per Schedule 8

23
 8.FIXED ASSETS TO NET WORTH RATIO: FIXED ASSTS (AFTER
DEP.)/SHAREHOLDERS’ FUND

For the Year 2017-18

Rs.2,22,16,41,618 = 0.0146:1

Rs.1,51,97,65,86,590

For the Year 2016-17

Rs 2,03,40,51,342 = 0.0155:1

Rs 1,31,37,38,78,518

Note:1.Fixed Assets= Net Block As Per Schedule 8

2. Shareholders’ Fund=Share Capital As Per Schedule 1 + Reserves And

Surplus As Per Schedule 2

24
 9.FIXED ASSET RATIO:

OR

FIXED ASSET TO LONG TERM FUNDS: FIXED ASSTS (AFTER DEP.)/TOTAL

LONG TERM FUNDS

For the Year 2017-18

Rs.2,22,14,16,618 = 0.0022:1

Rs.10,29,69,62,94,648

For the Year 2016-17

Rs.2,03,40,51,342 = 0.0023:1

Rs.8,90,92,28,89,431

Note: 1.Fixed Assets= Net Block As Per Schedule 8

2.Total Long Term Funds= Share Capital As Per Schedule 1+ Reserves And Surplus As
Per Schedule 2+ Loan Funds As Per Schedule 3

But Loan Funds Are Taken Except Following:

A)Short Term Foreign Currency Borrowings From Banks

B)Unsecured Foreign Currency Convertible Bonds

C)Loans From Scheduled Banks (Unsecured)-Short Term

D)Commercial Paper(Unsecured)

E)Interest Accrued And Due

25
 10.RATIO OF CUURENT ASSETS TO PROPRIETORS’ FUND: CURRENT
ASSETS/SHAREHOLDERS’ FUNDS

For the Year 2017-18

Rs.53,59,17,46,262 = 3.354:1

Rs.1,51,97,65,86,590

For the Year 2016-17

Rs.18,76,16,65,268 = 0.143:1

Rs.1,31,37,38,78,518

Note: .1.Current Assets Are Taken Except Loans And Advances

2. Shareholders’ Fund=Share Capital As Per Schedule 1 + Reserves And

Surplus As Per Schedule 2

26
 16.RETURN ON SHAREHOLDERS’ INVESTMENT OR NET WORTH: NET
PROFIT AFTER INTEREST AND TAX/SHAREHOLDERS’ FUND*100

For the Year 2017-18

Rs.28,26,48,98,200*100 =18.60%

Rs.1,51,97,65,86,590

For the Year 2016-17

Rs.22,82,54,27,543*100 =17.37%

Rs.1,31,37,38,78,51

Note:1.Net Profit = Net Profit After Interest And Tax Taken As Per Profit And Loss Account.

2. Shareholders’ Fund=Share Capital As Per Schedule 1 + Reserves And

Surplus As Per Schedule 2

27
 17.EARNING PER SHARE (EPS): EARNING AVAILABLE TO EQUITY
SHAREHOLDER/NUMBER OF EQUITY SHARES

For the Year 2017-18

Rs.28,26,48,98,200 =Rs.98.45 Per Share

28,71,10,222 Shares

For the Year 2016-17

Rs.22,82,54,27,543 =Rs.80.24 Per Share

28,44,53,910 Shares

Note:1.Earning Available To Equity Shareholders’= Net Profit After Interest And Tax Taken
As Per Profit And Loss Account.

2.Number Of Equity Shares= No. Of. Equity Shares Are Given In Share Capital As Per
Schedule 1

28
 18.DIVIDEND PER SHARE: PROPOSED DIVIDEND/NUMBER OF EQUITY
SHARES

For the Year 2017-18

Rs.10,33,59,67,992 = Rs.36 per Share

28,71,10,222 Shares

For the Year 2016-17

Rs.8,53,36,17,300 = Rs.30 per Share

28,44,53,910 Shares

Note:1.Proposed Dividend Is Taken As Per Profit And Loss Account.

2.Number Of Equity Shares= No. Of. Equity Shares Are Given In Share Capital As Per
Schedule 1

29
 14.DIVIDEND YIELD RATIO: DIVIDEND PER SHARE/MARKET PER SHARE

For the Year 2017-18

Rs.36*100 = 1.25%

Rs. 2876

For the Year 2016-17

Rs.30*100 = 1.17%

Rs. 2686

Note: 1. Dividend Per Share Is Taken As Per Above Calculations.

2.Market Price Per Share Is Taken As Per Balance Sheet.

30
 15.DIVIDEND PAYOUT RATIO: DIVIDEND PER SHARE/EARNING PER SHARE

For the Year 2017-18

Rs.36*100 = 36.57%

Rs.98.45

For the Year 2016-17

Rs.30*100 = 37.39%

Rs.80.24

Note: 1. Dividend Per Share Is Taken As Per Above Calculations.

2.Earning Per Share Is Taken As Per Above Calculations.

31
 16.PRICE EARNING RATIO: MARKET PRICE PER SHARE/EARNING PER
SHARE

For the Year 2017-18

Rs.2876 = 29.21:1

Rs.98.45

For the Year 2016-17

Rs.2686 = 33.47:1

Rs.80.24

Note: 1.Market Price Per Share Is Taken As Per Balance Sheet.

2.Earning Per Share Is Taken As Per Above Calculations.

32
 17.RATIO OF FIXED ASSET TO FUNDED DEBT: FIXED ASSETS (AFTER
DEP.)/FUNDED DEBT

For the Year 2017-18

Rs.2,22,16,41,618 = 0.0025:1

Rs.8,77,71,97,08,058

For the Year 2016-17

Rs.2,03,40,51,342 = 0.0027:1

Rs.7,59,54,90,10,918

Note: 1.Fixed Assets= Net Block As Per Schedule 8

2.Funded Debt= Loans As Per Schedule 3

33
 18.RATIO OF FIXED ASSET TO FUNDED DEBT: FIXED ASSETS (BEFORE
DEP.)/FUNDED DEBT

For the Year 2017-18

Rs.5,24,45,57,998 = 0.0060:1

Rs.8,77,71,97,08,058

For the Year 2016-17

Rs.4,93,85,23,820 = 0.0065:1

Rs.7,59,54,90,10,918

Note: 1.Fixed Assets= Gross Block As Per Schedule 8

2.Funded Debt= Loans As Per Schedule 3

34
 19.RATIO OF RESERVE TO EQUITY CAPITAL: RESERVES AND
SURPLUS/EQUITY CAPITAL

For the Year 2017-18

Rs.1,49,10,55,23,520*100 = 98.16%

Rs.1,51,97,65,86,590

For the Year 2016-17

Rs.1,28,52,93,78,563*100 = 97.80%

Rs.1,31,37,38,78,518

Note:1.Reserve And Surplus Are Taken Per Schedule 2 Of The Balance Sheet.

2. Equity Capital=Share Capital As Per Schedule 1 + Reserves And

Surplus As Per Schedule 2

35
 20.RATIO OF CURRENT LIABILITIES TO PROPRIETORS’ FUND: CURRENT
LIABILITIES/ PROPRIETORS’ FUND

For the Year 2017-18

Rs.26,56,16,40,847 = 0.175:1

Rs.1,51,97,65,86,590

For the Year 2016-17

Rs.28,83,36,87,487 = 0.219:1

Rs.1,31,37,38,78,518

Note: 1. Current Liabilities Are Taken Except Provisions

2. Proprietors’ Fund=Share Capital As Per Schedule 1 + Reserves And

Surplus As Per Schedule 2

36
 21.TOTAL INVESTMENT TO LONG TERM LIABILITIES: SHAREHOLDERS’
FUND + LONG TERM LIABILITIES/LONG TERM LIABILITIES’

For the Year 2017-18

Rs.1,51,97,65,86,590+ Rs.8,77,71,97,08,058

Rs.8,77,71,97,08,058

= 1.173:1

For the Year 2016-17

Rs.1,31,37,38,78,518+ Rs.7,59,54,90,10,918

Rs.7,59,54,90,10,918

= 1.1729:1

Note: 1. Shareholders’ Fund=Share Capital As Per Schedule 1 + Reserves And

Surplus As Per Schedule 2

2.Long Term Liabilities Are Taken Except Following:

A)Short Term Foreign Currency Borrowings From Banks

B)Unsecured Foreign Currency Convertible Bonds

C)Loans From Scheduled Banks (Unsecured)-Short Term

D)Commercial Paper(Unsecured)

E)Interest Accrued And Due

37
22.FREE RESERVES PER SHARE: ALL FREE RESERVES/ NO. OF EQUITY

SHARES

For the Year 2017-18

Rs.44,15,89,06,746+ Rs.9,52,45,78,000

28,71,10,222

= Rs.53,68,34,84,746 = Rs.186.97 per share

28,71,10,222

For the Year 2016-17

Rs.37,20,87,54,723+ Rs.5,20,45,78,000

28,44,53,910

= Rs.42,41,33,32,723 = Rs.149.10 per share

28,44,53,910

Note:1.Free Reserves= General Reserve As Per Schedule 2+ Balance Of Profit And Loss
Account As Per Schedule 2

2.Number Of Equity Shares= No. Of. Equity Shares Are Given In Share Capital As Per
Schedule 1

38
23.RETURN ON GROSS CAPITAL EMPLOYED:NET PROFIT AFTER TAX and
PREFERENCE DIVIDEND/GROSS CAPITAL EMPLOYED*100

For the Year 2017-18

Rs. 28,26,48,98,200*100 = 18.60%

Rs. 1,51,97,65,86,590

For the Year 2016-17

Rs. 22,82,52,27,543*100 = 17.37%

Rs. 1,31,37,38,78,518

Note: 1.Net Profit = Net Profit After Tax And Preference Dividend Taken As Per Profit And
Loss Account.

2. Preference Dividend Is Nil Because There Are No Preference Shares

3. Gross Capital Employed= Share Capital As Per Schedule 1 + Reserves And

Surplus As Per Schedule 2

39
24.RETURN ON NET CAPITAL EMPLOYED:NET PROFIT AFTER TAX and
PREFERENCE DIVIDEND/NET CAPITAL EMPLOYED*100

For the Year 2017-18

Rs. 28,26,48,98,200*100 = 22.54%

Rs. 1,25,41,49,45,743

For the Year 2016-17

Rs. 22,82,52,27,543*100 = 22.26%

Rs. 1,02,54,01,91,026

Note: 1.Net Profit = Net Profit After Interest And Tax Taken As Per Profit And Loss Account.

2. Preference Dividend Is Nil Because There Are No Preference Shares

3. Net Capital Employed= Share Capital As Per Schedule 1 + Reserves And

Surplus As Per Schedule 2 – Current Liabilities As Per Schedule 7 Except Provisions.

40
 Current Year Previous year

(2017-18) (2016-17)

Rupees Rupees

A] CASH FLOW FROM OPERTAING ACTIVITIES

Profit Before Tax 39159898200 32190427543

Adjustment For:

Depreciation And Amortization 182023071 174563928

Provision For Contingencies 580000000 500000000

(Gains)/Loss On Translation Of Foreign Currency

Monetary Assets

And Liabilities And Mark To Market Derivatives -295703919 2616652309

Employee Stock Option Expense(Net Of Options

Exercised) -43790 -48969

Provisions For Employees Benefits 80382284 160954902

Profit On Sale Of Investments -2248303068 -252300208

Surplus From Deployment In Cash Management Schemes

Of Mutual Funds -1898442216 -1579731748

Profit In Sale Of Fixed Assets (Net) -4587887 -5874605

Operating Profit Before Working Capital Changes 35555222675 33749643152

Adjustments For:

Current Assets -840719487 -2821781029

Current Liabilities 552821617 6652700403

Cash Generated From Operations 35267324300 37580562526

Advance Tax Paid -16010619403 -9781572839

Net Cash From Operations 24256704897 27798989687

Loans Disbursed(Net) -178772620317 -167632036043

Corporate Deposits 7189418000 2336673400

Net Cash Used In Operating Activities -97326502415 -87496372956

41
B] CASH FLOW FROM INVESTING ACTIVITIES

Purchase Of Fixed Assets -348309049 -173665189

Sale Of Fixed Assets 10708086 32160579

-337600963 -91504610

Investment In Subsidiaries -2863800000 -4155000000

Investment In Cash Management Schemes Of Mutual

Funds -1849455987700 870590000000

Other Investments -89046447459 -10706949930

Sale Proceeds Of Investments:

In Cash Management Schemes Of Mutual Funds 1888598000886 848904287525

In Other Companies And Properties 54228732324 2493273220

Net Cash From/(Used)In Investing Activities 1672897088 -34145893795

CASH FLOW FROM FINANCING ACTIVITIES

Share Capital- Equity 26563170 4159250

QIP Warrants 3017269150 -

Securities Premium 3242077645 510876154

Securities Issue Expenses -64147933 -

Borrowings 185154524943 18853018535653

Dividend Paid- Equity Shares -85368106520 -7105985821

Tax Paid On Dividend -1755798590 -1066273179

Shelter Assistance Reserve- Utilization -84845183 -52159522

Net Cash From Financing Activities 181493832532 180820752535

42
Net Increase In Cash And Cash Equivalents 35290227205 9178485784

Cash And Cash Equivalents As At The Beginning Of The

Year[As Per Note 8(i)] 16956082916 7777597177

52246310166 16956082916
Cash And Cash Equivalents As At The End Of The
Year[As Per Note 8(i)] ========== ==========

43
 Schedule March 31,2009

Balance Sheet as at March 31,2018 Rupees Rupees Rupees

SOURCES OF FUNDS

SHAREHOLDERS' FUNDS

Share Capital 1 2871063070 2844499950

Reserves and Surplus 2 149105523520 178529378563

151976586590 181873878518

LOAN FUNDS 3 965653088314 838560807874

1617629674904 969334686387

APPLICATION OF FUNDS

LOANS 4 979669905923 851981057761

INVESTMENTS 5 107274545227 104687498861

DEFERRED TAX ASSEST[Note 26] 2857280715 2158210179

CURRENT ASSETS, LOANS AND

ADVANCES 6 74391491677 55708340552

Less: CURRENT LIABILITIES AND

PROVISIONS 7 48784689701 46634472308

NET CURRENT ASSESTS 25606801426 9073868244

FIXED ASSESTS 8

Gross Block 5244557998 4938523820

Less: Depreciation 3023416385 2904472478

Net Block 2221641618 2034051842

1617629674904 969934686387

44
Notes Forming Part of Accounts 14

Significant Accounting Policies 15

Schedule 1 To 15 Annexed Hereto

Form Part of Balance Sheet and Profit
And Loss Account

2018

45
 CHAPTER-5
FINDING
SUGGESTIONS
CONCLUSION

46
 FINDINGS
From this project it is found that SYNDICATE BANK Home Loans having the 1st place
in the market at Luck now, but SYNDICATE BANK also working hard for for improving
their market share in home loan segment so they are the main threat or competitor.

It has been observed that a person first of all come to the SYNDICATE BANK for
sanctioning their loan but bad response from SYNDICATE BANK force them to switch to
the other bank.

All of SYNDICATE BANK customers are satisfied with the services provided by the
bank.

Many of these customers are well aware of SYNDICATE BANK and their home loan
product and satisfied with the low interest rate and longer repayment period of the advance
product.

Most of the customers at Luck now feels that SYNDICATE BANK really trying hard for
improving their services.

Approximately 43% of advance product users said that the service of SYNDICATE
BANKin advance product is excellent.

A response from customer care is so clear & good.

Many customers have no time to call customer care so that they are not able to know
about the service & features of SYNDICATE BANK advance product.

Most customers are shifted from other bank’s advance product to SYNDICATE BANK
because of hidden charges, high interest rate, less repayment period.

Government employees are more concern than private employees for advance product.

47
 SUGGESTIONS

All one need is the courage to innovate, the skill to understand clientele and the desire to give
them the best .Likewise following are some of the suggestions which would help
SYNDICATE BANK in improvising their working styles and performance.

 Most of the customers face problems regarding the rate of interest. SYNDICATE BANK
must inform its customers about the change in ROI, It automatically changes but there is
decrease in rate of interest , it doesn’t change automatically.
 Any change in the policies must be intimated to all the customers .SYNDICATE BANK
should provide proper information to its customers.
 There is lot of formalities in the loan disbursement process .Too much documentation is
done . Customer is no aware of all the formalities. Therefore paperwork should be more
friendly and clear .
 Customers should be given proper information about EMI. They are generally not told
how their EMI are calculated they should know EMI is calculated and of what amount.
 After sale service is an issue of concern. Customers facing problems are not attended on
time. Employees are generally cooperative only when the loan is sanctioned and
disbursed. Therefore after sale service should be improved up to the satisfaction level of
the customer.
 Website of SYNDICATE BANK should give more options and features to customers so
that they get maximum information sitting at home
 Employees of SYNDICATE BANK should be more prompt towards customer’s
grievances and problems
 SYNDICATE BANKshould provide personalized services to customers.
 Comparative pricing in terms of lower interest rates and front end changes should be
adopted.
 Company should enter into tie ups with reputed builders and development authorities.
 SYNDICATE BANK should increase their reach by penetrating into rural and semi urban
areas .They should also capitalize on present customer base by generating referrals
 Aggressive marketing and great publicity through newspapers, hoarding, websites and
other medias should be done.

48
 CONCLUSION

I have studied the attached Balance Sheet of SYNDICATE BANKBANK LTD (“the
Corporation”) as at March 31, 2015,

The Profit and Loss Account and the Cash Flow Statement of the Corporation for the year ended on
that date, both annexed thereto & have made an interpretation of the company via ratio analysis.

I have come to the conclusion that the company is on the high level of success. It is growing day by
day. Its long term as well as short term stability is solid. It is capable of generating more & more
returns in coming future. After analyzing, I have no doubt that if in coming future any contingent
liability raises before company, it is able to face the challenge. Moreover the investors & creditors
(short & Long Term) both are satisfied by the company because it is declaring high profits & returns
& repaying creditors in tim

49
 BIBLIOGRAPHY

1. Banking and Financial Systems by A.V.Ranganathachary, K.Anjaneyulu, K.Lalitha

2. Financial Services, A.K.Khan

3. www.icicibank.com

4. http://www.icicibank.com/pfsuser/loans/homeloans/hlhomepage.htm

5. Online Home loan. in/SYNDICATE BANKBank

 www.wikipedia.org
 www.google.com
www.syndicatebank .com
www.icici.com
 www.ansalapi.com
 www.moneycontrol.com
 www.icicibank.com
 www.iciciinsurance.com
 www.icicifund.com
 www.iciciergo.com
 www.icicirealty.com
 www.credila.com

50
51