Académique Documents
Professionnel Documents
Culture Documents
The banking industry is making its mark in the world economy with the coming
of globalization the export opportunity increase for the industries. We can make
good professionals can be obtained only when they are trained both theoretically
& practically.
The students are taught theory in the colleges but practical knowledge can be
obtained only by visiting the industries and gaining knowledge by actually seeing
them working in the bank. The students when trained will help the bank to grow.
A well trained professional understands the values of team and will make a good
team and take the bank to its highest prosperity stage.
Through report I express my sincere gratitude through all those people who
helped me in the preparation of this project which really has been a great
enlightening and a learning experience for me.
This project gives a deep prospective and outlook about the bank which has been
compiled by hard work, devotion, dedication and deep study of the available
PRIYA
MBA (3) Semester
ACKNOWLEDGEMENTS
I would like to express my gratitude to Mr Rajesh Kumar Gangwar, Mr
Gajendra Pal Singh, Mr Ramsevak Gangwar, Mrs Shikha Singh and the whole
staff of the URBAN COOPEARTIVE BANK, civil lines branch for providing
immense encouragement and help.
PRIYA
MBA (3) Semester
LIST OF CONTENTS
Introduction
General profile
Product/services of UCB
Vehicle loan
Need of the study
Objective
Research Methodology
Tips of questionnaire
Source of data
Data representation & analysis
Tabular form
Graphical form
Findings
SWOT Analysis
Conclusion
Suggestion & recommendation
Bibliography
Questionnaire
7-32
33-35
36-43
44
45
46-55
56
57
59-66
67-83
84
85-86
87
88-90
91
92-94
LIST OF TABLES
Table no.
Title
page no.
1.
Comparative Statement
59
2.
60
3.
Distribution of Profits
61
4.
Deposits
62
5.
63
6.
64
7.
65
8.
Estimation of Expenditure
66
LIST OF GRAPHS
Graph no.
Graph 1
Graph 2
Graph 3
Graph 4
Graph 5
Graph 6
Graph 7
Graph 8
Graph 9
Graph 10
Graph 11
Graph 12
Graph 13
Graph 14
Graph 15
Graph 16
Graph 17
Page no.
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
LIST OF ABBRIBIATION
CCB
DCB
PACS
SCB
UCB
T.D.
Term Deposits
INTRODUCTION
URBAN CO-OPERATIVE BANKS
Primary (urban) co-operative banks play an important role in meeting the growing
credit needs of urban and semi-urban areas. UCBs mobilize savings from the middle
and lower income groups and purvey credit to small borrowers, including weaker
sections of the society. The number of UCBs stood at 1,872 at end-March 2005,
including 79 salary earners' banks and 119 Mahila banks. Total number of scheduled
UCBs was 55 at end-March 2005. Scheduled UCBs are under closer regulatory and
supervisory framework of the Reserve Bank.Various entities in the urban co-operative
banking sector display a high degree of heterogeneity in terms of deposits/asset base,
areas of operation and nature of business. In view of its importance, it is imperative
that the sector emerges as a sound and healthy network of jointly owned,
democratically controlled and professionally managed institutions. In order to achieve
these objectives, the Reserve Bank took a series of policy initiatives in 2004-05. The
most significant initiative in this regard was the Vision Document and Medium-Term
Framework (MTF) for UCBs. With a view to protecting depositors' interests and
avoid contagion on the one hand, and enabling UCBs to provide useful service to
local communities and public at large on the other, a draft Vision Document was
prepared and placed in public domain for eliciting comments. Based on the feedback
received from different quarters, the necessary modifications were vehicleried out in
the vision document to evolve as the medium-term framework for the sector
Regulatory Initiatives for UCBs. UCBs have grown rapidly since the early 1990s.
During the phase of rapid expansion, however, the sector showed certain weaknesses
arising out of lack of sound corporate governance, unethical lending, and
comparatively high level of loan defaults, inability to operate in a liberalized and
competitive environment. The Reserve Bank, therefore, has been striving to harness
the growth of UCBs with appropriate application of prudential regulation and
supervision to safeguard the interests of depositors. The Reserve Bank initiated
several regulatory measures during 2004-05 to ensure the growth of UCBs .
SUPERVISION OF UCBS
Inspections
The on site financial inspection vehicleried out by the Reserve Bank continues to be
one of the main instruments of supervisions over UCBs. The Reserve Bnak
vehicleried out statutory inspections of 812 UCBs during 2004-05 as against of 848
UCBs conducted during the previous year.
Off-site Surveillance
The off-site surveillance system (OSS) for supervision was made applicable to all
scheduled UCBs from March 2001.The returns for OSS were reviewed and a revised
set of 8 returns was prescribed from March 2004.The OSS returns of UCBs are
designed to monitor compliance and obtain information from them on areas of
prudential regulations. The main objective of the OSS returns is to obtain relevant
information on areas of prudential interest, address the management information
needs, strengthen the management information system (MIS) capabilities within the
reporting institutions and to sensitise bank managements about concerns of the
supervisory authority. Compliance monitored through these returns covers assets and
liabilities, earnings, assets quality, sector/ segment-wise analysis of advances,
concentration of exposures, connected or related trending and capital adequacy. These
concerns earlier were being addressed through periodical on-site inspections of banks
undertaken at intervals ranging from one to non-scheduled banks with deposit base
base of over Rs.100 crore from June 2004.
10
11
12
13
Assets/liabilities of StCbs grew at a higher rate during 2003-04 as compared with the
preceding year. Deposits of StCBs grew significantly during the year. Most of such
deposits were deployed in investments, a trend which wa observed in respect of other
financial institution as well. Many financial institutions increased their exposure to
investments for making capital gains in a declining interest rate scenario. Loans and
advances extended by StCBs. However,decelerated further from the low growth
witnessed in the previous year.
14
15
CO-OPERATIVE BANKS
INTRODUCTION
Co-operative banks are a part of the vast and powerful superstructure of co-operative
institutions which are engaged in the tasks of production, processing, marketing,
distribution, servicing, and banking in India. The beginning of co-operative banking
in this country dates back to about 1904 when official efforts were initiated to create a
new type of institution based on the principles of co-operative organization and
management, which were considered to be suitable for solving the problems peculiar
to Indian conditions. In rural areas, as far as agricultural and related activities were
concerned, the supply of credit, particularly institutional credit, was woefully
inadequate, and unorganized money market agencies, such as money lenders, were
providing credit often at exploitatively high rates of interest. The co-operative banks
were conceived in order to substitute such agencies, provide adequate short-term and
long-term institutional credit at reasonable rates of interest, and to bring about
integration of the unorganized and organized segments of the Indian money market.
16
When the national economic planning began in India, co-operative banks were made
an integral part of the institutional framework of community development and
extension services, which was assigned the important role of delivering the fruits of
economic planning at the grass root levels. In other words, they became a part of the
arrangements for decentralized plan formulation and implementation for the purpose
of rural development in general and agricultural development in particular. Today cooperative banks continue to be a part of a set of institutions which are engaged in
financing rural and agricultural development. This set-up comprises the RBI,
NABARD, commercial banks, regional rural banks, and co-operative banks. The
relative importance of co-operative banks in financing agricultural and rural
development has undergone some changes over the years. Till 1969, they increasingly
substituted the informal sector lenders. After the nationalization of banks and the
creation of RRBs and NABARD, however, their relative share has somewhat
declined. All the institutional sources contributed about 4 per cent of the total rural
credit till 1954. The contribution increased to 62 per cent by 1990.
The share of co-operative banks in this institutional lending has declined from 80 per
cent in 1969 to about 42 per cent at present. The percentage of rural population
covered by the agricultural credit co-operatives was 7.8 in 1951, 36 in 1961, and
about 65 per cent at present
17
18
Even before the submission of the Khusro Committee Report, the government and the
RBI had initiated certain measures to strengthen the development of co-operative
banks. Some of these policy initiatives were as follows:
(i) The NABARD had formulated a scheme for the reorganization of PACSs and the
implementation of this scheme had started in those states which have accepted it.
(ii) The programme for development of selected PACSs into truly multi-purpose cooperative societies has been implemented in many states and Union Territories.
(iii) In addition to such programmes, certain state governments like Andhra Pradesh,
Madhya Pradesh West Bengal had also initiated development programmes to
strengthen the working of the co-operative credit institutions at the base level.
(iv) On the basis of their financial position as on 30 June 1987, 175 CCBs and 7 SCBs
in the country were identified as 'weak' banks and brought under the programme of
rehabilitation which, however, did not really work quite well.
(v) With a view to enabling weak banks which were either ineligible or were on the
verge of becoming ineligible for refinance ,a 12-Point Action Programme had been
formulated and circulated by NABARD to all the state governments.
19
(i) They are organized and managed on the principles of co-operation, self-help, and
mutual help. They function with the rule of "one member, one vote".
(ii) They function on "no profit, no loss" basis. For commercial banks also,
profitability is no longer the main objective, but in their case this change has been
brought about as a result of social or public policy, while co-operative banks, by their
very nature, do not pursue the goal of profit maximization.
(iii) Co-operative banks perform all the main banking functions of deposit
mobilization, supply of credit and provision of remittance facilities. However, it is
said that the range, of services offered is narrower and the degree of product
differentiation in each main type of service is much less in the case co-operative
banks, compared to commercial banks.
In other words, co-operative banks are characterized by functional specialization. It
should be added that this is true with much less force now, because many changes
have taken place in the co-operative banking system since the Banking Commission
arrived at the above-mentioned conclusion. For example,co-operative banks now
provide housing loans also. The UCBs provide working capital loans and term loans
as well. The State Co-operative Banks (SCBs), Central Co-operative Banks (C0)3s)
and Urban Co-operative Banks (UCBs) can normally extend housing loans up to Rs
one 1akh to an individual. The scheduled UCBs, however, can lend up to Rs three lacs
for housing purpose. The UCBs can provide advances against shares and debentures
also.
(iv) As said earlier, co-operative banks do banking business mainly in the agricultural
and rural sector. However, certain types of banks viz., UCBs, SCBs and CCBs operate
in semi-urban, urban, and metropolitan areas also. The urban and non-agricultural
business of these banks has grown over the years. The co-operative banks demonstrate
20
a shift from rural to urban, while the commercial banks, from urban to rural.
(v) Co-operative banks are perhaps the first government-sponsored, governmentsupported, and government-subsidized financial agency in India. They get financial
and other help from the RBI, NABARD, Central government and state governments.
They constitute the "most favored" banking sector with no risk of nationalization. For
commercial banks, the RBI is a lender of last resort, but for co-operative banks, it is
the lender of first resort which provides financial resources in the form of contribution
to the initial capital (through state governments), working capital, and refinance. The
promotional role of the RBI can be seen in respect of co-operative banks, and this role
supersedes its regulatory role, in respect of these banks.
A corollary of government help to co-operative banks is that there is much
government intervention in their working. Co-operative banks are subject primarily to
the control, audit, supervision and periodic inspection of the co-operative department
of the state government under the Cooperative Societies Act, but less rigorously, by
the RBI under the Banking Regulation Act. The RBI and the state government lay
down rules for investment of surplus resources, reserves, and the loan policy of cooperative banks. Consequently, compared to commercial banks, they have less
freedom and flexibility in conducting their operations.
(vi) Co-operative banks belong to the money market as well as to the capital market.
Primary agricultural credit societies provide short-term and medium-term loans. Land
Development Banks LDBs) provide long-term loans, DCBs meet working capital as
well as fixed capital requirements, and SCBs and CCBs also provide both short-term
and term loans. Similarly, they accept short-term and long-term deposits, and some of
them mobilize resources through the issue of debentures.
(vii) Co-operative banks are financial intermediaries only partially. The sources of
their funds resources) are: (a) Central and state governments, (b) the RBI and
NABARD, (e) other cooperative institutions, (d) ownership funds, and (e) deposits or
debenture issues. It is interesting to note that intra-sectoral flows of funds are much
greater in co-operative banking than in commercial banking. Inter-bank deposits,
21
borrowings, and credi\t form a significant part of assets and liabilities of co-operative
banks. This means that intra-sectoral competition is absent and intra-sectoral
integration is high for co-operative bank.
However, co-operative banks face stiff competition from commercial banks and other
financial intermediaries. Till their nationalization, commercial banks did not pose any
competition to co-operative banks. In fact, till then, certain areas of operations were
deliberately left to co-operative banks. But recently, the competition from LIC and
small-savings organization has become quite tough, and co-operative banks are in a
disadvantageous position in this area of inter-sectoral competition.
(viii) Co-operative banks have a federal structure of three-tier linkages. Primary credit
societies are unit banks; many DCBs also are unit banks. But SCBs, DCBs (CCBs),
and SLDBs, PLDBs and many DCBs have a number of branches. It can be said that
each co-operative institution in each tier is a separate entity with definite jurisdiction
and has an independent board of management.
(ix) Some co-operative banks are scheduled banks, while others are non-scheduled
banks. For instance, SCBs and some DCBs are scheduled banks but other cooperative banks are non-scheduled banks. At present, 28 SCBs and 11 DCBs with
Demand and Time Liabilities over Rs 50 crore each are included in the Second
Schedule of the RBI Act.
(x) As said earlier, co-operative banks accept current, saving, and fixed or time
deposits from individuals and institutions including banks. Some DCBs numbering
about 40 in 1989 are allowed open and maintain NRI accounts in rupees but not in
foreign currency. Deposits mobilized by them in a given area are used for financing
activities in that locality. Some co-operative banks, namely, Land Development Banks
(LDBs), issue debentures to raise resources for their operations. These debentures are
secured by mortgaging lands belonging to borrowers from LDBs and are often
guaranteed by the state government. They are regarded as -tee securities and are
treated on par with government securities for making advances. There are three types
of such debentures: ordinary, rural, and special. These debentures are almost entirely
22
(xi) The co-operative banks are subject to CRR and liquidity requirements as other
scheduled non-scheduled banks are. However, they are required to maintain the CRR
and SLR only at level of three per cent and 25 per cent respectively, at present. They
are subject to SCCs also. Further, the DCBs have been advised to lend 60 per cent of
their total advances to the priority ors. It means that the target for priority sector
lending has been fixed at a higher level for these banks compared to commercial
banks. Similarly, while the CAS has now been withdrawn in the of commercial banks,
it is still applicable to the DCBs, although in a liberalized form. With effect from
January 1989, they have to seek prior approval of the RBI for grant of advances to a
single party exceeding certain credit limits, which vary from bank to bank depending
on their size
(xii) Since 1966, the lending and deposit rates of commercial banks have-been
directly regulated by the RBI. Although the RBI had powers to regulate the 'rates of
co-operative banks also, these powers were not exercised much till about 1979, in
respect of their lending rates. From the early years till 1979, the SCBs and CCBs were
expected to provide finance for agricultural and allied activities to the ultimate
borrowers at reasonable rates, i.e., at concessional rates, by virtue of their being
entitled to concessional refinance from the RBI. In case of their non-agricultural
advances for the purpose of production and marketing activities of cottage and small
scale industries, the RBI imposed certain conditions as regards rates to be charged by
these banks for such purposes. In respect of their non-agricultural advances, they were
free to charge any rates at their discretion. The RBI did not regulate at all the lending
rates of DCBs, because of which there was little uniformity in the rates charged by
different DCBs. In early 1979, the RBI decided to maintain parity with regard to the
rates of interest on all agricultural advances irrespective of the credit agency. As a
result, the rates of interest charged to the ultimate borrowers by co-operative banks
were also brought in line with those charged by commercial banks. Accordingly, the
RBI advised all SCBs in 1980 to charge certain ceiling rates on agricultural advances.
While ceiling rates were prescribed for short-term agricultural advances, the lending
23
rates for medium-term agricultural credit were stipulated as fixed rates. Similarly,
lending rates of co-operative banks including DCBs for non-agricultural advances
also became subject to the directives issued by the RBI with effect from 1981. As a
result of measures adopted by the RBI in 1980 and 1981, a certain amount of
uniformity has been brought about with regard to the lending rates charged by cooperative banks in different states, and between commercial banks and co-operative
banks.
However, since 1974, the deposit rates of co-operative banks including DCBs, have
been regulated by the RBI. To begin with, the RBI policy in this respect was to
specify that the rates prescribed for commercial banks should be considered as the
minimum to be offered by the cooperative banks. This was unlike the directives in the
case of commercial banks for which fixed rates have been stipulated for different
types of deposits. Their current accounts were also excluded from the purview of the
directive, while commercial banks were prohibited from paying interest on current
accounts. This, however, led to relatively higher rates being paid by co-operative
banks on their deposits which adversely affected the deposit mobilization efforts of
the commercial banks. Therefore, the RBI once again changed its policy in 1974 and
began to direct co-operative banks not to pay interest at rates in excess of certain
percentages over the minimum rates prescribed by the RBI for commercial banks. The
ceilings laid down over the minimum rate were 0.25, 0.5, and 1.0 per cent with regard
to SCBs, CCBs, and Primary Agricultural Credit Societies (PACSs) respectively, on
term and saving deposits. Likewise, they have been prohibited since 1975, from
paying interest at a rate exceeding 0.5 per cent per annum on current accounts.
deposits up to 14 days, and those subject to withdrawal or repayment after a notice of
14 days or less. The latter facility, however, has been withdrawn with effect from
March 1989 in respect of DCBs. In the recent past; the RBI has introduced changes in
interest rates of co-operative banks also along with changes in interest rates of
commercial banks. The interest rates structure of cooperative banks is quite complex.
The rates charged by them depend upon the type of bank, and vary from state to state.
(xiii) Although the main aim of the co-operative banks is to provide cheaper credit to
the members, and not to maximize profits, they may access the money market to
24
improve their income so that they remain viable. This is in keeping with the opening
up of the non-farm sector to them in the recent past. Their need to access money
market arises due to a variety of factors. First, CCBs are mainly in the field of
financing seasonal agricultural operations, which creates cycles of flows of funds.
Second, the short-term agricultural loans are given at a concessional rate of interest
whereas interest rates paid on deposits by co-operative banks are higher than those
paid by the commercial banks. It is true that they get concessional refinance from the
NABARD, but its availability depends upon fulfilling conditions such as minimum
involvement, non-overdue cover, etc. Similarly, many DCBs often have surplus funds
which they mostly keep with the SCBs at a fixed rate of interest. There is, therefore, a
need for co-operative banks to access money market to deploy their short-term funds
profitably and cross-subsidise their lending operations.
(xiv) Co-operative banks (COBs), in short, have played a pivotal role in the
development of short-term and long-term rural credit structure in India over the years.
The co-operative credit endeavor is said to be the first ever attempt at micro-credit
dispensation in India. The entire cooperative credit system covers more than 74 per
cent of rural credit outlets, and it has a market share of about 46 per cent of total rural
credit in the country. From being the providers of loans for redemption of debt, COBs
have gone on to meet the investment requirements of all activities in rural areas. The
co-operative credit structure had a membership of 1.3 crore, net owned funds of Rs
3191 crore, and outstanding loans and advances of Rs 17261 crore in 20012. The
COBs have borne the major share of the task of widening institutional agricultural
credit because their retail outlets are so widespread and far flung that no other type of
agency can percolate to all corners of the country as COBs have done. However, too
much intervention by the State in day-to-day management has contributed to the lack
of involvement and ownership of people in their functioning. The COBs need to
become member-driven banks. There is also a need to do away with the duality of
control over them by the RBI and state government. They need support in respect of
infrastructure, resource base, professional management, etc.
25
26
(2) Deposits, credit, working capital and other indicators of all types of co-operative
banks and the co-operative banking sector as a whole have also grown manifold over
the period, 1951 to 2003. Their growth has not been uniform over the span of 53
years. On the whole, the annual rate of growth of all co-operative banks (in terms of
deposits) has varied between 13 to 19 per cent in different during 1961-1986.
(3) If we rank different types pf banks, it would be found that in terms of deposits,
CCBs were the most important, followed by UCBs, SCBs and PACSs, in that
descending order in 1988-89. However, in terms of outstanding credit, the descending
order in that year was CCBs, PACSs, SCBs, and LDBs. in 1994-95 was CCBs, UCBs
PACSs, SCBs and SLDBs. In period 2002-03, the descending order was UCBs,
CCBs, SCBs, SLBs and PLDBs in term of deposits as well as outstanding credit.
(4) The composition of resources and other operational ratios of different types of cooperative banks differ significantly from those of commercial banks. The ratios also
vary among the cooperative banks themselves.
(5) In the recent past, a number of COBs have come under stress or failed. Many
DCBs are in prevehicleious conditions. Some of them have been found to have
manipulated government securities transactions. In 2003, as many as 163 DCBs out of
the total number of 2104 of DCBs were under liquidation.
(6) The co-operative banks are not allowed to approach debt recovery tribunals, and
are not covered under the Securitization and Reconstruction Ordinance. They are also
not allowed to access capital markets, bullion markets, and derivatives markets.
(7) Capital adequacy requirements for the COBs are, at present, lower than those
prescribed for commercial banks. However, all DCBs and other COBs would have to
achieve the CRAR level which is applicable to commercial banks by March 31, 2005.
They are required to adhere to capital adequacy standards in a phased manner over a
period of three years beginning with 2002.
27
REGESTRATION
This bank was established on 02-03-1996, in Bareilly under U.P. cooperative act.
1965
BANK LICENSE
This Bank has got the license under banking regulation act 1949; code (U-1595)
Reserve Bank of India from Reserve Bank of India.
28
HEAD OFFICE
Its Head Office in A-Block in D.D.Puram, Plibhit road Bareilly.
BRANCHES
PREMNAGAR
C.B.GANJ
CIVIL LINES
SHYAM GANJ
NAWAB GANJ
UBDUP-1277P
UBDUP-LK-71
UBDUP-LK-81
UBDUP-LK-80
UBDUP-LK-109
REGESTRATION NO.
UP-112 Dt.30-12-1996
WORK STARTED ON
05-09-1996
AUDIT CLASSIFICATION
A
DISTRIBUTION OF PROFITS
From 1996-07 onwards, Every Year
PROMOTERS
29
02-09-1996
06-03-1999
10-01-2000
10-01-2000
07-08-2002
MR SUBODH ARYA
MR HARSHVARDHAN GANGWAR
30
ADMINISTRATION
OF URBAN COOPERATIVE BANK,
BAREILLY
MR P.S. BALYAN
S.MANAGER
MR K.K. GANGWAR
ADVISOR
ADVISOR
MR B.B.L. SHARMA
GENERAL MANAGER
MR RISHI BHARDWAJ
ACCOUNTSMANAGER
BRANCH MANAGER
BRANCH MANAGER
BRANCH MANAGER
MR ARYANDRA SINGH
BRANCH MANAGER
BRANCH MANAGER
31
PRODUCTS-SERVICES
PROVIDED BY URBAN COOPERATIVE BANK
BAREILLY
Current deposit
Saving deposit
Fixed deposit
Safe
Lockers
Loans
Home loans
Personal loans
Agricultural loan
Consumer loan
Self-employment loan
Vehicle loan
32
PRODUT/SERVICES OF
URBAN COOPERATIVE BANK,
BAREILLY
LOANS FOR EVERY NEED
UCB is providing loan to their customers in easy-to-pay monthly installments. Bank
is giving the feasible interest rate and is available with easy documentation and quick
delivery.
HOME LOANS
Buying a property requires a complete knowledge of real estate and in todays
complex financial market it is difficult to choose the appropriate home loan company.
UCB Bank brings home loans at your doorstep. A dedicated team of experts and a
complete package to meet your housing finance needs, ever eager to guide you with a
basket of value added products and services.
Thats why bank say, any one can offer you housing finance, but only the most
experienced can guide you completely.
PERSONAL LOAN
UCB a loan of up to Rs. 5 lakh for a wedding, education, purchase of a computer or
an exciting holiday.
33
AGRICULTURAL LOAN
UCB is providing agricultural loan to their customers who wants to take the
agricultural loan up to 2 lacs and above than 2 lacs. The interest rates are available at
agricultural loan at 9% and 10%.
CONSUMER LOAN
UCB is providing to consumer loan their customers up to 50 thousands and above
than 50 thousands. The interest rates are available at agricultural loan at 12.50 % and
13%.
SELF-EMPLOYMENT LOAN
UCB is providing to their self-employment loan to un-employed people for making
them employed. The loan limit is up to 50 thousands and above than 50 thousands.
The interest rates are available at self-employment loan at 12.50 % and 13%.
VEHICLE LOAN
UCB is providing vehicle loan to their customers. The loan limit is up to 2 lacs and
above than 2 lacs. The interest rates are available at vehicle loan at 10.50% and 11%.
34
Banks trust services provide you with the dual advantages of a secure depository and
efficient administration of your securities.
UCB solutions help you maximize returns, meet fiduciary responsibilities, and
improve operational efficiency.
Knowing that their clients' needs are complex and varied, bank leverage their
extensive expertise and experience to provide customers with a customized set of
benefit and investment services that work best in assisting your employee benefits
program.
And what's more, since bank take on custodian services for all types of securities, you
can protect your securities from loss, theft, damage or destruction. In addition to the
benefits of a securities account, you can also take advantage of banks other services
such as professional investment advice as well as banking products.
Incoming credits will be immediately deposited to your account and you receive
regular statement of interest, redemption and payments. You can also request at a
predefined interval a custody account or account statement showing clearly the
account's current holdings.
35
VEHICLE LOAN
New vehicle loan
UCB is providing vehicle loan to their customers at minimum interest rates. So if you
have a dream for the model and colors for your new vehicle you dont have to spend a
moment more than necessary to bring it home.
You will have to meet the relationship manager for a vehicle to buy a new vehicle and
see how simple the vehicle experience can be UCB banks vehicle loans scheme is the
most convenient way to get a loan for a new dream vehicle.
It is the right time you stepped on the accelerator?
36
37
38
FOR SELF-EMPLOYED
Minimum Annual Income: Net profit Rs. 60000 p.a for standard vehicle and
Rs.100000 p a for mid-sized and premium vehicle
Minimum income: net profit Rs 60000 p.a. for standard vehicle and 100000
for mid-sized vehicle and premium vehicles.
Telephone: one phone must be at least at business and at residence of the loan
executive partner.
39
Minimum income: net profit Rs 60000 p.a. for standard vehicle and 100000
for mid-sized vehicle and premium vehicles.
Minimum income: net profit Rs 60000 p.a. for standard vehicle and 100000
for mid-sized vehicle and premium vehicles.
40
Proof of Identity:- Passport copy, PAN Card, Voter Id card, driving license
(Laminated, Recent)
Address
Proof:
Ration
card/Driving
license/Voters
card/passport
Address
Proof:-
Ration
card/Driving
license/Voters
card/passport
Bank Statement: - Waived for small vehicle, for mid - sized and premium
vehicle if income is greater than Rs 1.5 lacs then bank statement requirement
can be waived.
41
Proof of Identity:- NA
Income Proof:- Audited balance sheet, Profit & loss Account for latest two
years and the latest 2 years IT returns of the company
Bank Statement: - Waived for small vehicle, for mid - sized and premium
vehicle if income is greater than Rs 1.5 lacs then bank statement requirement
can be waived.
Proof of Identity:- NA
Income Proof:- Audited balance sheet, Profit & loss Account for latest two
years and the latest 2 years IT returns of the company
Bank Statement:- NA
Proof of Identity:- NA
Income Proof:- Audited balance sheet, Profit & loss Account for latest two
years and the latest 2 years IT returns of the company
Bank Statement:- NA
42
Salaried individuals in the age group of 21 to 60 years (at the end of the
tenure)
Self-employed individuals in the age group of 21 to 65 years (at the end of the
tenure)
Partnership Firms
43
NEED OF STUDY
Collect the information about customers reaction towards the vehicle loan of
UCB.
To know about the satisfaction level of customers towards the vehicle loan.
To know about the awareness of customers towards the vehicle loans scheme
provided by UCB.
To know about the customers satisfaction level towards the interest rates
provided by UCB.
44
OBJECTIVE
To find out the awareness of the services provided by UCB Bank in the
Bareilly, city.
To find out the satisfaction level of customers towards four wheeler loans
provided by UCB Bank.
To conduct a research for finding out the factors that has an impact on the
satisfaction of customers towards loaning schemes.
The objective of this study is also to help UCB Bank to improve their
marketing strategies & schemes by knowing their customers better.
To find out the rating of UCB Bank in the opinion of customers having loan
from bank.
To find out that customers are satisfy with the documentation procedure of
UCB.
To find out that customers are satisfy with the schemes of UCB.
To find out that customers of bareilly are satisfy with the interest rates which
are provided by UCB.
To find out those customers is best utilizing the different loans schemes
running by UCB.
45
RESEARCH METHODOLOGY
Research is a novel contribution of an individual and is a planned and systematic line
of action which gives way to next needed step.
Research methodology is a systematic method of collection & analyzing the data for
the problem solving faced by the company.
RESEARCH
Research is a systematized effort to gain knowledge.
-REDMAN AND MORY
Research is the search for knowledge through objective and systematic method of
finding solution.
TYPES OF RESEARCH
DESCRIPTIVE RESEARCH:
Descriptive research includes and fact-finding enquiries of different kinds. The major
purpose of descriptive research of the state of affairs, as it exists at present.
I have collected the data from the customers those have been consume the services of
the UCB.
ANALYTICAL RESEARCH:
Analytical research, the researcher has to use facts or information already available,
and analyze these to make a critical evaluation of the material.
In this part I took the help of the annual report of bank.
APPLIED RESEARCH:
46
FUNDAMENTAL RESEARCH:
Fundamental research is mainly concern with generalizations and with the
formulation of the theory.
QUANTITATIVE RESEARCH:
Quantative research is based on the measurement of quantity or amount .it is
applicable to the phenomena that can be expressed in terms of quantity.
QUALITATIVE RESEARCH:
Qualitative research is based on the qualitative phenomena, phenomena relating to or
involving quality.
47
Policies:
In this section we looks that what schemes are available and they will benefited to the
customers.
Advertising research:
This attempts to asses the likely impact of an advertising campaign in advance, and
also measure the success of a recent campaign.
48
Research process
Research process consists of a number of closely relating activities. Such activities
overlap continuously and do not follow a strictly prescribe manner.
Steps involved in Research process
Formulating the research problem:
It is the very first step in research is formulating a research problem. It is well said
that a problem well defined is half-solved.
Extensive literature survey:
Once the problem is formulated, the next step is to write down a brief summary. For
this the researcher should undertake extensive literature survey connected with the
problem. For this purpose the abstracting and indexing journals and published or
unpublished bibliography is the first place to go to.
Preparing the research design:
A research design specifies the methods and procedures for conducting a conducting a
particular study.
Research design can grouped into three categories:
Casual research
Exploratory research
Descriptive research
49
Sample design:
All the items under consideration in any field of inquiry constitute a universe or
population. If we choose right sample then there will be very less chances of facing
errors.
Types of sampling
Deliberate sampling:
In this sampling the sampling methods involves purposive or deliberate selection of
particular unit of the universe for constituting a sample which represent the universe.
Convenience sampling:
In this sampling the population elements are selected for inclusion in the sampling
based on easy of the access.
50
Process of research
51
Research Design
A research design is purely and simply the framework or plan for a study that guides
the collection & analyzing of data.
Research design is some statement or specification of procedures for collecting and
analyzing the information required for the solution of some specific problem.
It provides scientific framework for conduction of some research investigation.
Anticipating and specification are the main characteristics in research design.
It provides information for decision making. Decision regarding what, where, when,
how much and by what means concerning an enquiry as a research study constitutes
in research design.
A research design is the blue print of research work of what we are going to perform
by a research.
Descriptive research design is used and it gives idea about consumption of a product
in relation to customer attitude it gives idea about quality, features of the services,
traits, and liking, disliking, knowledge, interaction, belief, faith and information of
customer.
52
Sampling Techniques
The sample size was so selected that it could be used to explaining the behavior of the
customers of the population of that region. It was selected to be able to identify with
the whole population of the area.
Sampling allows us to concentrate our attention upon a relatively smaller number of
people items and hence to denote energy to ensure that the information collected from
them is accurate. The step involved in determining the sampling technique are:-
A. Defining Population:
The group of individuals or their attributes which can be directly specified
numerically is known as population. It covers elements, units extent and time. For the
given project these are as follows:Element
people
Unit
individuals
Extent
Bareilly
B. Sampling frame:
A list map or other specification of the units which constitute the available
information relating to the population designated for a particular sampling scheme.
25-30 people of Bareilly city are selected for survey. The selection of people was
based on non-probability based judgmental and convenience sampling.
53
E. Sample design:
Sample design is the third problem that must be addressed in any sampling operation.
This subject may be divided into:
54
Probability method
Probability sampling methods are in which every item in the universe has a
known chance a probability of being chosen for the sample. The collection of
sample items is independent of the person making the study that is the sampling
operation is controlled objectively so that the items can be chosen strictly at
random.
Non probability sampling methods are those do not provide every item in the
universe with a known chance of being included in the sample. The selection
process is at least partially subjective.
Research design
Research instruments
Sampling
descriptive research
structured and undisguised questionnaire
20-30 people
55
TIPS OF QUESTIONAIRE
Questions should be straight forward so that the customer could give the
answers.
56
SOURSE OF DATA
DATA COLLECTION
The task of data collection begins after a research problem has been defined and
research plan has been solved.
TYPES OF DATA
Primary data:
Primary data is described as those data that have been recorded or observed by the
researchers for the first time to their knowledge.
Secondary data:
Secondary data are statistics not gathered for the immediate study at hand but for
some other purpose.
Secondary data is classified into two parts:
Internal secondary data:
Internal secondary data is based on the internal information of bank.
External secondary data:
External secondary data is based on the external information of bank.
57
Research
Descriptive
Analytical
Sampling
Deliberate sampling
Convenience sampling
Element
People
Unit
Individuals
Extent
Bareilly
Reseanch design
Sampling frame
20-30 people
Research instruments
Data collection
secondary data
Internal secondary data
External secondary
58
S.NO.
1.
2.
3.
4.
5.
6.
7.
PARTICULERS
30-09-06
RS
IN
LACS
Share capital
117.06
Funds
690.49
Deposits
5641.38
Loan
and 2358.70
advances
Investments
3724.32
Working capital
7065.14
Profits
54.31
30-09-07
RS
IN
LACS
165.07
713.19
7384.91
3488.81
ABSOLUTE
CHANGE
PERCENTAGE
+ 48.01
+ 22.70
+ 1743.53
+ 1130.11
41.01%
3.29%
30.91%
47.91%
4882.34
9424.55
77.40
+ 1158.02
+ 2359.41
+ 23.09
31.91%
33.40%
42.51%
Table 1
So we can see that in the above table that the bank has been achieved the rapid
progress in the history of Bareilly.
In above table the share capital was Rs117.06 in 2006 and in 07 has increased up
41.01%.
59
6.50%
3.
7.50%
4.
8.00%
5.
6.
7.
60
9.00%
9.25%
9.50%
Table 2
We can see in the above table that UCB provides the minimum interest rates in
term deposits.Duration of 30 days to 45 days it gives 6% interest rate. Duration of 46
days to 90 days it gives 6.50% interest rate. Duration of 91 days to 180 days it gives
7.50% interest rate. Duration of more than 181days but less than 1 year it gives 8%
interest rate. 1 year and above than 1 year but less than 2 year it gives 9% 1 year and
above than 1 year but less than 2 year it gives 9.25% and 5 year and above than 5 year
it gives 9.50%.
PARTICULARS
AMOUNT
PARTICULARS
YEARS PROFIT
77,39,694.26
TRANSFER
INTO 19,35,000.00
RESERVE FUND
61
AMOUNT
(MIN 25%)
INCOME TAX
18,84,357.00
TOTAL
HOUSING FUND
1,00,000.00
DISTRIBUTION FUND
21,68,600.00
EXCHANGE RATE
INC./DEC.FUND
73,000.00
77,39,694.26
77,39,694.26
Table 3
We can see that from the above table the distribution of profit of UCB was Rs.77,
39,694.26.
The amount transfer into reserve fund was Rs.19, 35,000.00. The income tax paid was
Rs.18, 84,357.00. The amount given to educational fund was Rs. 38, 698.00. The
amount given to bad and doubtful debt was Rs.14, 90,039.26. The amount given to
donation fund was Rs. 50, 000.00. The amount delivered to the housing fund was
Rs.1, 00,000.00. The amount was given to distribution fund Rs. 21, 68,600.00. The
amount given to the exchange rate fund was Rs.73, 000.00
DEPOSITS
Rs in Lacs
Sr. No.
1.
Type Of Deposit
Individuals
Current deposit
Saving deposit
Year
Average
In %
2005-06
2006-07
2007-08
190.51
4040.98
330.88
4943.19
485.41
6191.09
62
154.80
53.21
Growth
2.
3.
Fixed deposit
Total
Other deposit (total)
Current deposit
Saving deposit
Fixed deposit
Total
Grand total(1+2)
Relative shares In %
Individual to total deposit
Current to total deposit
Saving to total Deposit
Fixed to total Deposit
2822.78
7054.28
2797.61
8071.68
3334.62
10011.12
18.13
41.92
364.83
366.12
1037.77
1768.77
8822.99
375.98
360.17
1033.41
1769.56
9841.24
400.98
353.66
1062.48
1872.12
11828.24
9.91
(-)3.40
2.38
2.74
34.06
79.95
4.13
4.15
11.76
82.02
3.82
3.66
10.50
84.64
3.39
2.99
8.98
5.87
(-)17.92
(-)27.95
(-)23.64
Table 4
We can see in the above table that UCB has achieved a rapid growth in three years
regularly. In 2005-2006 the current deposits was Rs190.51 lacs, it has increased in
2006-07 was Rs 330.88 and in 2007-08 it has increased Rs 485.41lacs. The average
growth is 154.80%.In 2005-2006 the saving deposits was 4040.98 lacs, it has
increased in 2006-07 was Rs 4943.19 and in 2007-08 it has increased Rs 6191.09lacs.
The average growth is 53.21%.In 2005-2006 the fix deposits was Rs 2822.78 lacs, it
has increased in 2006-07 was Rs 2797.61 lacs and in 2007-08 it has increased Rs
3334.62 lacs. The average growth is 18.13%.
The average growth of relative shares in individual to total deposit is 5.87%, current
to total deposit is (-) 17.92%, saving to total Deposit is (-) 27.95%, Fixed to total
Deposit is (-) 23.64
Year
2005-06
778.77
63
Avg. Growth In %
2006-07
817.92
2007-08
829.10
6.46
2.
3.
4.
5.
6.
7.
8.
General reserves
total
Borrowing power(12* of step3)
Deposits
Borrowing from banks
Total A.C. borrowing(3+6)
Reserve borrowing power(7-4)
315.11
1093.88
13126.56
8822.99
4386.44
13209.43
82.87
423.17
1241.09
14893.08
9841.24
5225.46
15066.70
173.62
577.22
1406.32
16875.84
11828.24
3315.63
15143.87
1731.97
83.18
28.56
28.56
34.06
14.64
Table 5
We can see in the above table that UCB has achieved a rapid growth in three years
regularly. In 2005-2006 the paid up share capital was Rs 778.77 lacs, it has increased
Rs 817.92 in 2006-07 was and in 2007-08 it has increased Rs 829.10 lacs. In 20052006 the general reserve was Rs 315.11 lacs, it has increased 423.17 in 2006-07 was
and in 2007-08 it has increased Rs 577.22 lacs.
The borrowing power of customer was Rs 13126.56 in 2005-06, in 2006-07 it was Rs
14893.08, and in 2007-08 it was Rs 16875.84. The average growth is 83.18%.
The deposits were Rs 8822.99 in 2005-06, in 2006-07 9841.24 it was, and in 2007-08
it was Rs 11828.24 The average growth is 34.06%.
The borrowings from bank were Rs 4386.44 in 2005-06, in 2006-07 it were Rs
5225.46, and in 2007-08 it was3315.63. The average growth is 14.64%.
The reserve borrowing power was 82.87 in 2005-06, in 2006-07 it was173.62, and in
2007-08 it was 1731.97.
Details
Preference capital
Deposits
2005-06
117.06
690.49
2006-07
165.07
713.19
64
2007-08
224.93
830.11
Withdrawals
5641.38
7384.91
10221.34
Investment
3724.32
4882.34
6029.32
Loan & Advances
2358.70
3488.81
4584.82
Working Capital
7002.45
9424.55
11813.91
No. Of Members
3717
4513
5469
Net Profit
54.31
77.40
90.88
No. Of Branches
5
5
5
Examine rank
A
A
Profit
to
preference 17%
17%
shareholders
N.P.A.(Gross)
219.42(9.30%) 348.87(9.98%) 397.47(8.67%)
N.P.A.(Net)
NIL
63.73(1.98%) 40.43(0.09%)
Recovery %
68%
74%
85%
FINANCIAL PROGRESS REPORT OF URBANCOOPERATIVE BANK
Table 6
The preference capital of UCB was 117.06 in 2005-06, in 2006-07 it was Rs 165.07,
and in 2007-08 it was Rs 224.93. The deposits of UCB was Rs 690.49 in 2005-06, in
2006-07 it was Rs 713.19, and in 2007-08 it was Rs 830.11. The withdrawals of UCB
was Rs 5641.38 in 2005-06, in 2006-07 it was Rs 7384.91, and in 2007-08 it
was10221.34. The ivnvestments of UCB was Rs 3724.32 in 2005-06, in 2006-07 it
was 4882.34, and in 2007-08 it was Rs 6029.32. The loans and advances of UCB
was2358.70 in 2005-06, in 2006-07 it was3488.81, and in 2007-08 it was 4584.82.
The working capital of UCB was Rs 7002.45 in 2005-06, in 2006-07 it was Rs
9424.55, and in 2007-08 it was Rs 11813.91. The net profit of UCB was 54.31 in
2005-06, in 2006-07 it was77.40, and in 2007-08 it was90.88.
UCB Bank has got the A examine rank. Its recovery is also increased in every year.
65
Sr.No.
1.
2.
Particulars
Income
1) Interest received from
a)investment
2,75,01,896.61
b) Loan
2,96,47,244.34
2) Commission,
Exchange
&
brokerage
3) Miscellaneous income
Total income
Expenditure
1) Interest paid on
a)borrowing
14,63,147.000
b)Deposits
2,97,20,530.95
2) Salaries & Allowances & Provident
fund
3) Rent,taxes,insurance,lighting etc
4) Law charges
5) Postage, telegrams & telephone
charges
6) Auditors fees
7) Depreciation on & repairs to
property
8) Stationery, printing & advertisement
etc
9) provisions
10) Other expenditure
2007-08
5,71,49,140.95
30,38,651.00
18,44,452.75
6,20,32,244.70
3,11,83,677.95
95,19,800.16
29,18,330.25
1,94,681.00
1,67,173.10
10,000.00
38,22,911.34
21,36,004.34
6,92,595.60
Table 7
In the profit and loss account of the UCB profit of the year was Rs
77, 39,694.26.
66
S.NO.
PARTICULARS
1.
ESTIMATION OF EXPENDITURE
RS
PS
10,00,000
00
2.
7,00,000
00
3.
5,00,000
00
6,00,000
00
25,00,000
00
25,000
00
TOTAL
53,25,000
00
4.
5.
6.
Table 8
We can analyze that UCB will expand the amount for new branches, for safe and
lockers, for furniture and fixture of new branches, for telecommunications, for
purchasing of new technology, for library in this current year.
67
graph 1
ANALYSIS
We can see that in the above graph that most of the customers get the information
from their friends.30% customers know about the bank from the media habit.20%
customers know about the bank from the Relation ship manager.
68
graph 2
ANALYSIS
WE CAN see from the above graph that 70% customers are highly satisfied towards
the delivery of payments. 19% customers are satisfied towards the delivery of
payments.9% customers are highly dis-satisfied towards the delivery of payments.2 %
customers are dis-satisfied towards the delivery of payments
69
graph 3
ANALYSIS
We can see that from the above graph tha 28% customers are highly satisfied by the
bank. 59% customers are satisfied with the bank.only 11% customers are dis-satisfied
and mere 2% customers are highly dissatisfied with the bank.
70
Graph 4
ANALYSIS
We can see that 80% customers are satisfied by the services provided the bank. 20%
customers are not satisfied by the services provided by the bank.
71
Graph 5
ANALYSIS
We can see from the above graph that 58% customers gives good rating to the loans
scheme of UCB bank. 28% customer gives very good rating to the customers. 14%
customers gives unsatisfactory rating to the customers.
72
graph 6
ANALYSIS
We can see tht 75% customers say that bank is bank is flexible at credit.only 25%
customers are not satisfied with them.
73
graph 7
ANALYSIS
We can see that the above graph 55% customers say that loaning policies are
assessable to them, only 45% are not agree with them.
74
graph 8
ANALYSIS
We can see from the above graph that 60% customers are satisfied with the processing
of bank only 40% customers are not satisfy with the processing of bank.
75
graph 9
ANALYSIS
We can see in the above graph that 69% customers will again approach to UCB bank
as they are satisfy with the bank and 31% customers are not agree with bank.
76
graph 10
ANALYSIS
We can see the above graph that 35% customers comes in scale 1. 29% say give them
second rank. 15% give it third rank. The decline rate given by the customers are very
less.
77
graph 11
ANALYSIS
We can see in the above graph that the strongest competitor according of UCB are
public sector banks. Then number comes of state bank group. The third no. is
commercial bank. Another strongest competitor is private sector bank.
78
graph 12
ANALYSIS
We can see in the above graph that 72% customers say that vehicle loan from UCB is
easily accessible. Only 28% customers are not agreeing with them.
79
graph 13
ANALYSIS
We can see in the above graph that 68% customers gives it excellent ranking. 23%
gives it second rank, third ranking is 7% which is poor,only 2% cutomers gives it
worst ranking.
80
graph 14
ANALYSIS
We can see in the above graph that 66% cstomers are highly-satisfied with UCB bank.
We can see the performance of UCB bank that a large percentage of customers are
satisfy with the bank. 21% customers are satisfied with the bank. 10% customers are
dis-satisfied with the bank. Only 3% customers are dis-satisfied with the bank.
81
graph 15
ANALYSIS
We can see in the graph that 71% customers say that they will again opt UCB bank for
vehicle loan as they are satisfy with the bank. 22% say that they will not try UCB
bank, 7% are not sure with the banking procedure.
82
graph 16
ANALYSIS
We analyze that UCB is providing loans to their customers at 9-10%. It provides loans
to their customers at 10-11% interest rate.
Interest rates depend upon the amount of loan and it depends upon the time-period.
83
graph 17
ANALYSIS
We can see from the above graph tha UCB is providind iaon amount according to
their customer need. 39% customer takes loan amount 1-2 lacs. 49% customer takes
loan amount 2-5 lacs.12% customer takes loan amount above 5 lacs.
84
FINDING
The organization is dealing with the banking services and has many options to
their program. Serving customers with their needs, wants and satisfaction are
only the way to improve the business and hence profit.
All UCB is putting all effects on their services but as due to lack of
advertisement of the bank, it is facing some sort of problems regarding the
marketing of their services. Hence, keeping in mind they have many changes
in their marketing strategies for the betterment of their services & they are
new running in much structural way.
After going through the findings it is concluded that there are many people
who are not aware about the services of the bank due lack of advertisement but
it is truth that UCB is providing lowest rate of interest.
Though UCB bank is putting all of its effort to sustain in this competitive
world but these efforts are not sufficient.
Public sector banks, private sector banks, commercial banks, are the strongest
competitors of the bank.
85
STRENGTHS
WEAKNESSES
Urban cooperative bank has very less number of branches which make it less
reachable.
86
OPPERTUNITIES
Urban cooperative bank can cover a wider market by advertising more about
its schemes, etc.
The bank and its services can be made more reachable by opening a few more
branches.
The criteria for loan if made more flexible can lead to larger number of loan
customers.
The schemes and services are made more flexible then it will be able to
achieve more market.
THREATS
87
CONCLUSION
At the end I would like to say that urban cooperative bank is putting all their
efforts on their services but due to the lack of advertising and lacking of
awareness of the other facilities, it is facing some problems.
Due to the change in the market scenario, bank is changing their marketing
strategies so that it could face the challenges with other banks.
With the expanding credit need of urban areas, urban cooperative bank is
providing lowest rate of interest. Its schemes of loans are attract the customers.
Banks services are up to the mark.
Bank is facing tough competitions with the other financial institutions. Public
sector banks, private sector banks, and state bank of India.
At last this is customers believe and trust that is why bank is firm at its place in
this tough market situation and lacking of marketing ,financing, facilities.
88
The advertising of UCB should be good so that the customers can awre of
different schemes of UCB.
The bank should conduct a market survey so that they could analyse the
market situation.
The bank should maintain their credit system. Banks should be more
economical and viable; the progress is existing only is the paper.
With the expanding credit needs of the urban sector, the cooperative banks
have come in actively to meet the credit requirements of this sector.
Urban Co-operative banks should always active by the competition from other
financial institutions.
Urban Co-operative banks are not doing well in all the urban areas; only a few
account for a major part of their business.
Urban cooperative banks still rely very heavily on refinancing facilities from
the government, the RBI, and NABARD. They should have been able to
become self-reliant in respect of resources through deposit mobilization
89
Urban cooperative banks suffer from dangerously low or weak quality of loan
assets, and from highly unsatisfactory recovery of loans. They should have to
strengthen the recovery part of loan.
Urban cooperative banks should not have been resorting to unethical practices.
There are many regulators for them, but still there are many lacunae in their
regulation. In fact, the existence of multiple regulatory authorities has come in
the way of effective regulation, control, and monitoring.
90
Urban cooperative banks should maintain their financial position so that they
can sustain in this competitive bank.
91
BIBLIOGRAPHY
Marketing management
Philip Kotler
Financial management
I.M.Panday
M Y Khan
Research methodology
C.R.Kothari
92
QUESTIONNAIRE
1. Where did you know about urban cooperative bank?
a) Friend
b) Dealer
c) Advertising
d) Other source
2. Are you satisfied towards the delivery of payment system of
Urban cooperative bank?
a) Highly satisfied
b) Satisfied
c) Dissatisfied
d) Highly dissatisfied
3. Are you satisfied the rate of interest provided by the bank to the
customers?
a) Yes
b) No
c) Not sure
4. Do you believe in the loaning policy of urban cooperative bank?
a) Yes
b) No
c) Not sure
5. Are you satisfied with the urban cooperative bank?
a) Highly satisfied
93
b) Satisfied
c) Dissatisfied
d) Highly dissatisfied
transaction?
a) Yes
b) No
c) Not sure
9. Do you think that urban cooperative banks loan is assessible to the
potential customers?
a) Yes
b) No
c) Not sure
10. Are you satisfy with the processing of urban cooperative bank?
a) Yes
b) No
c) Not sure
11. Will you again opt for urban cooperative bank when you need loan?
94
a) Yes
b) No
c) Not sure
12. At the scale of excellent to worst where do you rate urban cooperative
bank?
a) Excellent
b) Good
c) Poor
d) Worst
13. Who is the strongest competitor of urban cooperative bank?
a) Public sector bank
b) Private sector bank
c) Commercial bank
d) State bank
14. Is the vehicle loan of urban cooperative bank easily accessible?
a) Yes
b) No
c) Not sure
15. Will you again opt urban cooperative bank for when you need vehicle
loan?
a) Yes
b) No
c) Not sure
95
96