PRESENTATION ONOPERATION AND CREDIT FACILITIES OF THE RAJSAMAND URBAN COOPERATIVE BANK

INTRODUCTION OF BANK

BANKING. A Bank is an organization, which is usually corporation that accepts deposits, makes loans, pays cheques and performs related services for the public and it can be justly stated as a crux of a business. It can also be described as a financial institution that accepts deposits and channels the money into lending activities. Role of bank.

It encourages saving habit of amongst people and thereby makes funds available for productive use. It acts as an intermediary between people having surplus money and those requiring money for various business activities. It facilitates business transactions through receipts and payment by cheques instead of currency. It provides loans and advances to businessmen for short term and long term purposes. It helps in national development by providing credit to farmers, small scald industries

CONT..
Types of bank

Central Bank Development Bank Specialised Bank Commercial Banks(Public sector , Private sector, Foreign Bank) Co-Operative Banks(Primary credit societies , Central Co-op banks , State Co-op banks)

INTRODUCTION OF RUCB
This bank is established at 29 Feb. 1996 & started its working on 23
may 1996. First president & chair man of bank was Dr. C.P. joshi. It started its working with capital of 26 lac Rs but today it has working capital of Rs 57 caror. Now it is playing an important role in the list of cooperative bank. Branches of bank
Rajsamand udaipur Nathdwara devgarh Aamet

Future plan Establishing branches in chit or & in bhilwara. Organising more loan camps for economic enhancement of citizen. Adopting more advance techniques of banking.

INTRODUCTION OF STUDY
CREDIT POLICY AND PLANNING Introduction
Lending money is one of the main business activities of banks. The Rajsamand Urban Cooperative bank deploys a major portion of funds by way of loans and advances. Lending business provides a major part of their total income. Since bulk of the funds lent belongs to the depositors, it is necessary that the funds are deployed on a sound and realizable basis and they earn optimum returns. While lending the wider national objectives of economic and social development are also taken into consideration. Long Term Strategic Plan The Long Term Strategic Plan is the basic instrument for Credit Policy and Planning of the bank. Prepared by the Corporate Office, it takes into consideration: i) The mission, vision, corporate philosophy and basic business objectives of the Bank. ii) Share holders expectations in terms of the Return on Assets (ROA) and Return on Equity (ROE). that would influence the long-term strength and success of the Bank. Annual Budgets/Plans A. Business Levels B. Plan Implementation Strategies C. Recovery and NPA Monitoring D. Monitoring and Review of Performance

RESEARCH METHODOLOGY

This talks about data collection of the project work. All progress is born out of enquiry Doubt is often better than over confidence for it leads to inquiry and inquiry leads to invention.

During my research work I went for Stratified Random Sampling The data collection as such is divided into
Primary data collection- Data collected through questionnaire survey, brain storming, opinion poll, discussion etc.

Secondary data collection- Data collected through literature survey, journals, Internet search, company records/bulletin, company reports, CDROM search etc.
i. Sampling Method: Method of collecting primary Data: Observation method & Questionnaire method.Methods of Collecting Secondary Data: Journals of trade commerce, economics, engineering, magazines, book etc.Through Schedules also

ii. Value Chain Analysis: to gain a deeper insight into buyer needs. The value chain breaks down the firm into its strategically relevant activities in order to understand the behavior of costs & the existing or potential sources of differentiation. The force field analysis: to identify pushing and resisting forces. The present situation is described in the form of a line that is subject to pushing and resisting forces.

SURVEY ON CREDIT FACILITIES

We prepared a Questionnaire consisting of 12 questions to be asked by the customers. A sample of 50 customers was taken and the following result was obtained from our sample survey. This result may not be exact but gives an overview of what is being there the scenario of Kota related to credit facilities.

OBJECTIVES OF THE SURVEY

1. Survey on potential of credit facilities The objective behind this was to study and analyze the market potential for the credit facilities. For this the income pattern, type of credit facilities range of disbursement has to be studied in detail. In order to understand the range of business that would be available to The Rajsamand urban Cooperative bank. 2.Create awareness amongst potential customers of Credit facilities for Bank.

3.Study of market share of various banks in credit facilities: gives knowledge about major competitors of The Rajsamand urban Cooperative Bank.
4.To create a database of potential customers of credit facilities in for The Rajsamand urban Cooperative Bank.

ANALYSIS AND FINDINGS

1. Outcome of the survey done to know the percentage of people, of different
professions, avail credit facilities provided by the banks.
70 60 50 40 30 20 10 0

Business Entreprise

Self employed

Salaried Person

Professional

Findings: 21% of persons work in a business enterprise. 6% of persons are self-employed. 66% are salaried persons. 7% are professionals. Interpretation: After analysis one can interpret that out of a sample of 50 persons majority of them are salaried working in private concerns i.e. they covered around 66% share in the sample. The persons working in business enterprise occupied the next major share. Such a survey was conducted in order to analyze the sector in which major proportion of people are working.

CONCLUSION
Market place is no longer responsive to the strategies that worked in
the past. There are just too many products, too many companies and too much marketing noise. During the training process the reality, which unveiled itself was that, the easy way to get into customers mind is to be the best & cheaper and UMUCo Bank has grown up as a household name, as its capital services are working from so many years i.e. step with step with its competitors. Credibility and reliability works as a bonus point for UMUCo Bank while launching of any new product. Credit facilities are not a new concept in banking in todays scenario. Earlier people were relying more on Private Financers and HBFCs but now, the scene is being changing. People are trusting on banks for this service. UMUCo is providing credit facilities at an attractive rate of interest giving customer a good margin.

RECOMMENDATIONS
In this over communicated market the only hope to score big is to
concentrate on narrow but deep targets i.e. UMUCo bank should not only focus its efforts on assessing the credit facilities of Private Banks but it can also go for the Nationalized Banks as still for the credit facilities the customers rely more on them. As there is a lot of misconception about the interest factor of such products offered by these can be foregone by organizing various presentations and seminars. The market holds a good potential so a team should be formulated whose main focus is on credit facilities. UMUCo can go for promotion of its products and services by arranging for:
Displays through attractive hoardings and boards especially
outside organization providing market for this segment. Giving advertisement in various newspapers and magazines.

The bank must keep not only its employees upto date with the
information regarding the customer.

any new scheme but it should also reach to

THANK YOU
PRESENTED BYSANJAY NAIR MBA 2ND yr.