Introduction: Cooperative banking is retail and commercial banking organized on a cooperative basis. Cooperative bankinginstitutionstakedepositsandlendmoneyinmostpartsoftheworld.

Cooperative banking, as discussed here, includes retail banking carried out by credit unions, mutual savings banks, building societies and cooperatives, as well as commercial banking services provided by mutual organizations (such as cooperativefederations)tocooperativebusinesses. Rajkot nagrik shekari bank ltd. Introduction Rajkot Nagarik Sahakari Bank LTD is a leading CoOperative Bank in Gujarat State,India. Bank was established on 5th October 1953 With a small Capital Of Rs. 4890 and Membership of 59 persons under the leadership of Late Keshavlal Amrutlal Parekh as a Chairman, and Late Janmashankar Antani as a M.D. Bank has made tremendous & real progress, Bank became pride of saurashtra region & achieved new heights in banking as well as Co.Operrative sector under the leadershipofformerChairmanLateShriArvindbhaiManiar. Bank is Enjoying the SCHEDULE BANK Status Since 1989. In year 2001 Bank was registered UNDER MULTISTATE CO OPERATIVESOCIETYACT.WiththisBankhasopenedaBranchInMumbai,EconomicCapitalofIndiaandbecomeMULTI STATESCHEDULECOOPERATIVEBANK. MILE STONE 05Oct1953 Bank Was Started As A First Ever CoOperative Institution In The Erstwhile State Of SAURASHTRA. InauguratedBySAHAKARMAHARSHILateShriVAIKUNTHRAIMEHTA. 30Jun1955 BankRecordedMaidenProfit. 30Jun1956 BankDeclaresMaidenDividend4.00% 01Feb1960 AStepTowardsExpansion,UDYOGNAGARBranchWasCommenced. 30Jun1966 NoOfShareHolders(Member)Crosses10,000Mark. 30Jun1973 DepositBaseCrossesRs.5Crores. 06Oct1973 FirstOutstationBranchWasOpenedAtWankaner. 197576 BankAchievesFIRSTPositionAmongAll268CoOperativeBanksOfGUJARATSTATE. 05Oct1977 BankCelebratesSILVERJUBILEEYEAR.FirstofItsKindIndustrialFareWasOrganizedByTheBank. 30Jun1978 DepositBaseCrossesRs.10Crores.12%Dividendwasdeclared 198586 DepositBaseCrossesRs.51Crore 18Aug1988 BANKISDECLAREDASASCHEDULEDBANKBYTHERESERVEBANKOFINDIA.(Ref.UBD.BR.94/A9/88/89 198889 NetProfitCrossesRs.1Crore. 30Jun1990 FirstEverBranchOutsideSAURASHTRA,WasOpenedAtAHEMDABADCITY. 30Jun1990 AdvancesCrosesRs.100Crores. 199192 No.OfShareHolder(Member)Crosses1Lac(100,000) 199192 StaffTrainingCenterWasStarted. 199697 RBIPermitsTheBankToOPENNRNRAccounts 199697 10thAllIndiaInterBankCricketTournamentWasOrganisedByBank. 19992000 DepositBaseCrossesRs.500Crores. 20002001 NoShareHolderMemberCrosses2Lacs(200,000+) 12Mar2001 RESERVEBANKOFINDIAGivesLicenseForOpeningBranchesAtMUMBAI. Mar2002 FirstEverBRANCHOUTSIDETHESTATEOFGUJARATWASOPENEDATMUMBAI. 31Mar2003 NetProfitCrossesRs.10Crores,25%DividendWasDeclared. 05Oct2003 BankCelebratesGOLDENJUBILEEYEAR. 20062007 BankhasbeenawardedforlargestmembershipbasebyNAFC 20102011 BankhasstartedNEFTservice. StrengthFactors TotalShareCapital&ReserveFund MorethanRs.334.39Crores 1

TotalDepositBase MorethanRs.2132.73Crores TotalAdvancesLanded MorethanRs.1494.07Crores No.ofBranches 29Branches(with29Premises) TotalMembership StandsAt2,48,284(31Mar2011) NetProfit(20102011) Rs.34.06Crores ScheduledStatus SinceOct1988 MULTISTATEStatus SinceJan2001 BusinessPerEmployee Rs.7.05Crores. DividendtoShareholders Record20%proposed20112012 TotalInvestmentinGovernmentSecurity(SLR)Rs.536.92Crore C.R.A.R.13.31% NETNPA <0.63% BorrowingsfromanyBank/Institution.(NHB) 0.46Crores. AdvancestoDirectors/Relative StandsAt0.28%OfTotalAdvances StandsAt0.17%OfTotalAdvances AdvancesAgainstShare DepositsuptoRs.OneLakh FullyInsuredwithDICGC ADVACESFACILITY SignificantFeatures: LoangivenforthepurchaseofDomesticAppliances. MaximumLoanAmountis60%ofpurchasevalue(MaxRs.20000). NormalinstallmentisRs.21.54/1000. RateofInterestIs13.50% Durationofrepaymentis66Months. RequireDocument/OtherPaper/Guarantees: ApplicantMustBeMemberOfBank. ApplicantmustnothaverunningSELFSURITYLOAN. Guaranteeof2Guarantorsisrequired Guaranteeoffamilymemberisnotaccepted. QuotationofItemtobepurchasedismustwithapplication. Onsanctionofadvance,paymentwillbepaiddirectlytotheDealer/Firm. EitherApplicantofOneOftheGuarantorMustHavePropertyWithHim. DEPOSITS SAVINGACCOUNT SignificantFeatures: AnyIndividualCanOpenThisAccount. Maximum3NamesAreAllowedInJointAccount. MinimumBalanceisRs.300. Institute/CoSoc./Mandli/TrustCanOpenThisAccount. AccountCanbeOpenedbyMinorstoo. Maximum8WithdrawalsareallowedduringtheMonth. CurrentRateOfInterestis4.00%SubjecttoChangeasperRBISRules. NoChequebookChargeisChargedforRegularUsage. ExtraChequebooksareChargeable. DuplicatePassbookisChargeable. NominationfacilityisAvailable. 2

 RequisitesForOpeningOfAccount. DulyfilledAccountOpeningform.ZeroxofPANCard/DulyfilledForm60.2PhotographofEachSignatories. Anyoffollowingdocument. RasoningCard/Passport. ElectricityBill/TelephoneBill/HouseTaxBillEtc. Validdocumentsissuedandpermittedbygovt. FIXEDDEPOSITS SignificantFeatures: AnyIndividualCanOpenFdrAccount. Maximum3NamesAreAllowedInJointAccount. MinimumAmountofFdrisRs.1000. Institute/CoSoc./Mandli/TrustCanOpenFdrAccount. FDrisAcceptedForMinors. CurrentRateOfInterestisSubjecttoChange. NominationfacilityisAvailable. PaymentexceedRs.20000atthetimeofmaturitywillbepaidtoA/c/PayOrderOnly. Loan/OverdraftagainstFDrisavailable. ShareMembershipisofferedtodepositorforFDramountExceedingRs.1,00,000/inDoubleScheme. RequisitesForOpeningOfAccount. DulyfilledAccountOpeningform. ZeorxofPANCard/DulyfilledForm60forFDrExceedingRs50000/(CashOnly). 1PhotographofEachSignatories. Anyoffollowingdocument. RasoningCard/Passport.ElectricityBill/TelephoneBill/HouseTaxBillEtc.

CURRENTACCOUNT AnIdealBusinessAccountforYourBusiness. SignificantFeatures: ThisAccountCanbeOpenedforAnyBusinessEstablishmentLike. ProprietorshipBusiness PartnershipBusiness. Pvt.LimitedCompany. LimitedCompany. AnyOtherInstitute/Trust/CoSocetc. AnyIndividualSingleorJointly MinimumBalanceisRs.1000 NominationfacilityisAvailable. LowestServiceChargesIntheBankingSector. RequisitesForOpeningOfAccount. DulyfilledAccountOpeningform.ZeroxofPANCard/DulyfilledForm60.2PhotographofEachSignatories. Anyoffollowingdocument. 3

RasoningCard/Passport.ElectricityBill/TelephoneBill/HouseTaxBillEtc.TwoBusinessProofs SERVICES LOCKERFACILITY ToProvideSecurityforthevaluablesbankoffersLocker Facility atveryeconomicalchargeswithnominaldeposit. This FacilityisavailableatalltheBranches.

FacilityAvailableatfollowingBranches

City LocationofBranch Rajkot ParaBazarBr.NagarikBhavanNo.1Dhebarbhaird. Rajkot UdhyognagarBr.NagarikBhavanNo.2,DhebarRoad Rajkot S.V.P.RoadBranch,KenalRoad, Rajkot JunctionPlotBranch,JunctioinPlotMainRoad, Rajkot BediparaBr.ParevadiChowk,Opp.DeluxeCinema Rajkot Dr.YagnikRoadBranch,NearoldJagnathTemple Rajkot SorathiyawadiBr.80feetRoad Rajkot MavdiPlotBr.NearMavdiPlotRailwayCrossing Rajkot KalawadRoad,"BhagyaLakshmi",NearKotechaChowk Rajkot RaiyaRoadBranch,SadguruTirthdham,RaiyaRoad, Jetpur JetpurBranch,KanakiaPlot DhorajiDhorajiBranch,JetpurRoad,nearGirlsHighschool Upleta UpletaBrahcn,Nr.Panjarapol,BhadarRoad, Morbi MorbiBranch,NearZananaHospital Jasdan JasdanBranch,TowerChowk,RegentStreet Ahmedabad AhmedabadBranch,Mithakhali6,Nr.JainDerasar Bhuj HospitalRoad,VijaynagarCharrasta,Opp.BhujEnglishschool,Bhuj Surendranagar SurendranagarBranch,M.G.Road,MainBazar Surat SuratBr.RingRoad,Opp.KinnariCinema Mumbai KalbadeviBr.41DevkaranMention,Princessstreet Junagadh JunagadhBr.M.G.Road,Nr.PGVCL

DEMANDDRAFT DRAFTSISSUEDWITH CHARGES CurrentA/cWithClearBalance FREE,SavingA/cWithClearBalance FREE C.C.A/cUptoItsSanctionLimitFREE UptoRs.20,000/ Rs.12/ AboveRs.20,000/ Rs.12/+Rs.0.60perRs.1000/ ThroughCASHUptoRs.20,000/ Rs.17/ Rs.17/+Rs.0.85PerRs.1000/ ThroughCASHAboveRs.20,000/ InstitutionalCustomer/TrustA/Cs PowerwithGM/DirectorBoard

DRAFTSISSUEDWITH CHARGES UPTORs.10,000/ Rs.24/ AboveRs.10,000/ Rs.24/+Rs.2.25perRs.1000/