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Sr. No. TOPICS Page No.


Vote Of Thanks




Types of deposits & loans of Co-operative Bank



Survey analysis














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Word do not proved to be sufficient to express our gratitude and thanks for all of them who devoted their precious time, intellect the knowledge towards the successful completion of our project. We feel immense pleasure in expressing our heartfelt gratitude and vote of thanks to our guide Mrs Bhide. Without whose help our project would have been our dream come true and would have remained in our dreams only. We can never forget their kind and helping nature. They took at most pain to enhanced the beauty of our project and make it error free as possible.

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In Economic development of any country an efficient banking system mobilizes effectively and allocated the same advantageous among various borrows of funds. The Indian companies Act, 1936 said that banking company which carries on its principle business. The banking regulation act, 1949 defines banking as a company which transacts the business of banking in India. The world banking itself has been defined as acceoting for the purpose of lending or investment of deposits of money from the public, repayable on demand or otherwise and withdraw able by a cheque, draft, order etc. A company entitled to be called a banking company must perform two important functions.

A] Accepting deposits. B] Lending or investment these deposits. The word BANK is derived from the word Banus or Banqe that is bench. The early bankers the Jews in London translated their business on Bebches in the

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Market place. The other opinion is that the word Bank mean join stock fund which was Italianized into Banco which means a heap or amount. Banking in India has almost existed from the Vedic period this is very clear from the writing of Manu in Manusmirti. He stated that. A sensible man should deposit his money with a person of good family of good conduct well acquainted with the law, veracious, having many relatives wealthy and honorable. Reserve Bank of India

As per the Hilto Commissions recommendation, a bill was introduced in 1927 in the legislative assembly, but it was afterwards withdrawn due to difference of opinion. In 1933 another bill with some changes was introduced. It was passed in 1934. Reserve Bank of India as the Central Bank of the country came into existence in 1935. Since eastablishment, this bank is working as Banks Bank of Country. In the evolution some lacunas in the working banks are removed, still in modern time. We find that all the traditional and latest varieties if banks are in existence, not only in the existence but they are dependent on each other. These banks help in creating developed capital and money market which in turn helps economic development of the country.
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Objectives of RBI: 1. To stabilize internal and external value of Indian Rupee.

2. To bring co-ordination between monetary policy and policy of credit control.

3. To maintain stability of the banking sector.

4. To safeguard the interest of banking sector at the time calamity etc.

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Functions of RBI: The RBI discharges all the functions of central bank i.e. traditional, supervisory, development, and promotional. Traditional functions of Reserve Bank of India are as follows.

1. Monopoly of note issue: The RBI has the sole right of issue of bank notes of all denomination except one rupee note and coins. One rupee note are issued by Reserved Bank of India on behalf of Government of India. 2. Banker to Government: The RBI serves as the banker to the Central and State Government of India. It acts as the bankers bank transaction of the of the Government.

3. Bankers Bank and the lender of the last report: The RBI acts as the Bankers Bank according to the provisions of the banking companies act, 1949. Every scheduled bank has to keep a cash balance with the RBI equivalent 5 percent of demand liabilities and 2 percent of time liabilities.

4. Ti stabilize the Rate of Exchange:

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For bringing stability in the rate of exchange the RBI is authorized to make saled and purchases of foreign exchange. The international value of the Indian rupee is determined by the Government and the RBI is responsible to maintain this Rate of Exchange.

5. To act as a clearing House: As the RBI is the Central Bank, other commercial banks have their accounts with the RBI. The day to day transactions of other banks are settled without waste of time through RBI.

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1. To study the various deposits of the bank.

2. To study the system of loan given from the deposits of bank.

3. To study the deposits collected by bank their limitations and given according suggestions.

4. To study the loan given from deposits through bank.

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1. Increase in deposits leads to increase in profit ability of bank.

2. Loan given from deposits leads to increase annual income from bank.

3. Loan provided to customers and recovery of loan is timely and according to term and conditions.

4. To increase the deposits in the bank, they are undertaking these efforts.

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Research Methodology
Primary Data: The primary data has been collected by the interview method. The research has interviewed the bank officials of Pavana Sahakari Bank Ltd.

Secondary Data:

Through annual report of the bank 2006-07 more information was gained regarding their working process and also invention of the bank about the number of customer accounts and thus also regarding the considerable growth rate of bank. After considering the annual and through the personnel visit the information gained was not so enough and in order the referred to Prof. A G. Gosavi Mr. V. Godbole and Mr. Sandhya Varkad publication they receive the knowledge about project and deposits rules, types, profit and loss also interest of RBI rules and reguilations etc. and also considered the knowledge about the working of other co-operative societies.
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Types of Deposits and Loans of Co-operative banks

Types of Deposits: 1. Current deposits: Current deposits is the type of deposit where the depositor can withdraw any time they want. There are also no restrictions on number of withdrawals from this account. There is no rate of interest and if exists it is very nominal. Advantages of current deposits: 1. Current deposits received to the rate of interest are limited. 2. Current deposits are started with pay of Rs. 500 3. These types deposits transactions are limited.

2. Savings deposits: This deposit can be withdrawn by the depositor, but there is limited to the number of withdrawls. Depositor can withdraw once in a week for 52 times in a year. In case the amount is large the banker has to be informed in advance. The depositor also earns some rate of interest.
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Advantage of saving deposits:

1. To started with savings deposits paying limited amount. 2. To receive the amount of saving deposited two types in a week. I personally visited and evaluated to the Pavana Sahakari Bank having saving deposit 31,55,05,682,95. 3. Recurring deposit: As the name suggests the depositor selects an amount which he can save every month an amount which he can save every month and also a date of which he can continue the deposit may be 1 year or 2-3 year, after the maturity of the period

4. Fixed deposits: This deposit is for fixed for a period of time, no withdrawals are considered within period. Rate of interest is higher than the saving and recurring deposit.

5. Safe deposit locker:

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This is a unique method by which customer can make use of the locker kept by the bank in the safe room. The locket can be operated only with two keys, one is with bank and other is to the customer. The locker opened if both the keys are used. The customer is allowed to keep any kind of valuable things the locker. The customer should be pay rent periodically, normally his bank

Account will be debited towards the rent. The customer can use the locker at anytime during the banking hours. In case of loss of items the bank is not directly responsible as the relationship between the bank and customer is that of lesson and lessee.

Bank credit may be classified in a variety of ways according to security maturity, method of repayment origin and purpose, generally speaking the bank advance in our country are classified as cash credit ,overdrafts,demand loans,term loans, packing credit,export bill,purchased/discounted/advance against inland bill,purchased/discounted and advanced against import and others.

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1. Cash Credit: Cash credit is a credit given in a cash to business firm. It is essentially a drawing account against credit granted by the bank and is operated in the same way as a current account on which the over draft is sanctioned. The borrower has option to operate the account within the stipulated limit as and when required. Cash credits are generally allowed against the pledge or hypothecation of goods, against book depts. Or personal security.

2. Customer credit for limited amounts is given to customer for their personal needs, including the

Purchase cars, refridgeratoes, television sets, repairing in house etc.

3. Overdrafts: An overdraft is a fluctuating account an appearing upon the general ledger and financial statement of a bank to indicate the aggregate amount by which the depositor have overdrawn their account only. this facility is given to current account only. this arrangement enable a

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customer to draw over above his balance up to the extend of the limit stipulated.

4. Demand Loans: A demand loans is one that has no stated maturity period may be asked to be paid on demand. The silient feature of this is that the entire amount of the loan sanctioned is paid to the debtor at one time, either by in cash or by transfer to his current account. The security can either be personal or in the form of shares, debenture, government papers,immovable preoperty,fixed deposits receipts,life insuarance policies, goods etc. 5. Term Loans: A term loan is often defined as a loan whose final maturity period is longer than one year. A term loan provides the borrower with the intermediate or long term capital finds and has a final maturity period which is linger than one year but less than ten year maturity period which is dependent upon the borrowers future earnings or cash flow for its ultimate liquidation and which has been custom designed to meet the borrower need for credit and satisfy the lending banks requirement for earning liquidity and safety.

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6. Bills Purchase: Bill clean or documentary are sometime purchased from approved customer us whose favor regular limits are sanctioned. The term seems to imply that the banks becomes the purchase/owners of such bills. Please remember in almost all cases, the bank holds the bills only as security for the advance. In the case of documentary bills, the drafts are accomplished for the advance.

7. Bills Discounted: Usually bills maturity within 30,60 or 90 days or so after days or sight are discounted by the bank for approved parties bill of exchange which is discounted by bank. There are debited to the bill discounted accounted and credited to the customer account less the discount the discounting being passed into the discounted account.

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1. The timely increase in deposits of bank reserves in profitability of bank.

2. The recovery of loan is done timely and according to terms and conditions.

3. The bank provides various loans and deposits for customer.

4. Pavana Sahakari Bank Ltd. (Bhosari Branch) is in better financial position.

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1. Attractive schemes should be incurred in the Kalewade and Kasawadi banks is such a manner that it should reach within the customer.

2. To increase the deposits in the doubling schemed the chairman and the administration should be alert.

3. Considerable efforts should be taken to increase the demands for the loan.

4. To motive the customer for the locker facility the bank should give importance to the bank should give importance to this facility to the customer.

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While studying about the deposits and loans from Pavan Sahakari Bank Ltd. The information was collected from following medium.

1. Annual report published Pavana Sahakari Bank Ltd.

2. A] Prof. Gosavi A.G. B] Mr. Godbole V. C] Mrs. Sandhya Vartaks Banking and Fincance Pune Nirali Prakashan 2009 3. Internet at websites: www.co-operativesociety.com

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1. When was Bank eastablised? Ans: 2nd Oct 1973 2. Who is the founder of bank? Ans: Mr. Annasaheb Magar 3. What is the total investment of Bank? Ans: Rs 4,963.11 lc 4. Is there any increase in deposits? If yes then how many? Ans: Yes, it has been increased by 39.15% 5. How many branches are there? Ans: 5 branches- Chichwad, Bhosari, Pimpri, Kasarwadi, Kalewadi.

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