CHAPTER 1

INTRODUCTION

Temporary position is a essential section of scholastic modules of VTU MBA

.it is an performance to conquer several hindrance in the middle of information and its
solicitation through a evolution of intercessions that will endow alternates of VTU
MBA programme to spontaneous bits of acquaintance and overview to the business.

The entry level position task was led for a time of 12 week which fills the twin
need of furnishing the business with alumni of high gauge why should prepared excel
on the planet from the very beginning.

The internship project provides a great the day to day management experience
and a good platform to learn about the day to management operation of an
organization and helps in improving a student‘s overall personality. It gives an
opportunity to involve in organization‘s various activities like collecting feedback
from theusers, enquiring with potential buyers, closing of actual sale.

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 INDUSTRY PROFILE

Brief History of Urban Cooperative Banks in India

The tenure Inner-city Co-administrator Banks (UCBs), however not lawfully

depicted, recommends fundamental wonderful banks masterminded in inner-city and
semi-inner city scopes. These tiers, till 1996, stayed permitted to credit cash just for
non-agrarian purposes. This refinement does not hold today. These banks were
generally revolved from place to place social events, areas toil put packs. They on a
very basic level credited to little debtors and affiliations. Today, their level of errands
has extended incredibly.

The wellsprings of the inner-city satisfying saving trade change out India tin be taken
after to the complete of 19th century when, vivified by the accomplishment of the
examinations renowned with the strong headway in Britain and the wonderful credit
progression in Germany such social solicitations were set up in India. Satisfying
social solicitations depend upon the rules of help, - fundamental help, basically basic
expert and open enrolment. Cooperatives tended to another and elective way to deal
with oversee association as in contradiction of particular corporations, association
corporations and business components which address the general kind of business
connection.

The Beginnings
The vital known shared guide populaces in India was no doubt the "Anyonya
Sahakari Mandali" dealt with in the past illustrious State of Baroda in 1889 under the
bearing of Vithal Laxman generally called Bhausaheb Kavthekar. Inner-city co-
specialist credit social requests, in their formative stage came to be dealt with on a
gathering reason to meet the usage orchestrated credit essentials of their people.
Remuneration labourers" social requests imparting affinities for thrift and self-change
expected an important part in propelling the improvement, especially among the
clerical class and furthermore dealt with work. From its underlying foundations at that
point to today, the push of UCBs, for the most part, has been to enact stores from the

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interior and low stipend inner-city social affairs and give credit to their people -
countless had a place with weaker fragments.

The underwriting of Co-operative Credit Societies Act, 1904, in any case,

gave the guaranteed main role to the change. The basic urban solid credit society was
chosen in Canjeevaram (Kanjivaram) in the present Madras district in October, 1904.
Among the obvious credit social sales were the Pioneer Inner-city in Bombay
(November 11, 1905), the No.1 Military Descriptions Reciprocated service Co-
executive Credit Society in Poona (January 9, 1906). Universe in Poona (January 18,
1906), Gokak Urban (February 15, 1906) and Belgaum Pioneer (February 23, 1906)
in the Belgaum area, the Kana kavli-Math Co-supervisor Credit Society and the
Varavade Weavers" Urban Credit Society (March 13, 1906) in the South
Ratnagiri (now Sindhudurg) space. The most unmistakable among the early credit
social asking for was the Bombay Urban Co-master Credit Society, kept up by
VithaldasThackersey and Lallubhai Samaldas made on January 23, 1906. The
Cooperative Credit Societies Act, 1904 was changed in 1912, with a perspective to
expansive basing it to empower relationship of non-

credit social asking. The Maclagan Committee of 1915 was examined their execution
and propose processes for fortifying them. The essential party of trustees watched that
such establishments existed unmistakably apt to consider the necessities of the worse
and center wage echelons of the world and would educate the measures of saving
money among the work place curricula. The standard get-together of trustees in like
way fondled that the inner-city satisfying credit change was supplementary useful
than nation credit social asking. The endorsements of the Agency exited far in setting
up the inner-city steady credit development in its private specific ideal position.

In the extant day alliance, it is of imperativeness to think about that in the

midst of the keeping cash predicament of 1913-1914, when no under fifty seven
multiparty stock banks confined, there was a flight of stores from united stock banks
to satisfying inner-city banks. Mclagan Agency chronicled this incident henceforth:

Indeed, the emergency had an opposite impact, and in various locale, there
was a headway to pull back stores from non-enterprises and domicile them in
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satisfying establishments, the refinement amongst twofold curricula of security being
all around animating and an inclination creature known to the last unsettled almost the
whole way to the territory character and presentation of steady foundations yet by and
large, we think, to the relationship of Government with Accommodating adjustment".

Under State Purview

The set up changes which induced the demise of the Government of India Act
in 1919 traded the substance of "Hypothesis" from Government of India to the
Bucolic Governments. The Government of Bombay handed the fundamental State
Complaisant Societies Act in 1925 "which not simply bequeathed the drive its bulk
and contour yet was a jump setter of fulfilling practices and concentrated on the
urgent thought of prudence, character change and normal guide." Other States took
after. This suggested the inauguration of the 2 stage in the chronicled establishment of
Complaisant Tribute Bodies.

There was the genres affirmation that inner-city panels have a crucial part to
composition in real money related change. This was affirmed by an enormous party of
sheets. The Indian Central Banking enquiry Committee (1931) felt that inner-city
panels have an assurance to empower the little industry and ordinary authorities to
populaces. The Mehtabhansali Committee (1939), acclaimed that those social sales
which partook contented the gages of keeping cash should be indorsed to fill in as
banks and grasped an association for these banks. The Co-head Forecasting Working
group (1946) exited on personal best to express that urban banks have been the best
relationship for little people in whom Joint stock banks are not generally interested.
The Rural Banking Enquiry Committee (1950), moved by the unessential exertion of
instituting and endeavours grasped the instituting of such banks flush in spots more
unassuming than taluk towns.

The pivotal examination of Inner-city Co-expert Banks was engaged up by RBI in the
year 1958-59. The Crash streamed in 1961 saw the enormous and monetarily stable
structure of inner-city co-chairman banks; underlined the requisite to make basic
inner-city satisfying banks in fresh fixations and recommended that State
Governments propel dynamic help to their progress In 1963, Verde Commission
upheld that such banks ought be overseen at all Inner-city Middles with a masses of 1
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lakh or progressively and not by any distinct amassing or station. The notice gathering
demonstrated the probability of littlest capital need and the benchmarks of masses for
portraying the inner-city concentration where UCBs were interweaved.

Duality of Control
In any case, stresses concerning the certifiable fitness of urban obliging banks
offered climb to the point of view that they should be better controlled. Critical superb
keeps cash with paid-up offer principal and stores of Rs.1 lakh were conveyed under
the opening of the Banking Regulation Act 1949 with impact from first March, 1966
and inside the ambit territory of the Reserve Bank’s supervision. This showed the
beginning of a time of duality of control over these banks. Dealing with a record
related purposes of constrainment (viz. favouring, a zone of activities, financing
expenses et cetera.) were to be tended to by RBI and enlistment, affiliation, diagram
and liquidation, et cetera composed by State Governments as appeared by the
acquirements of individual State Acts. In 1968, UCBS were enhanced the upsides of
Security Indemnity.

On the way to the dawn 1960s there was plentiful friendly conflict with
respect to the movement of the little scale business tries. UCBs came to be understood
as essential dramatis personae in this affiliation.

The Waged Set on Industrial Funding through Co-expert Banks, (1968

notorious as Damari Clutch) endeavoured to widen the level of undertakings of urban
co-manager banks by supporting that these banks should back the little and lodging
affiliations. This was supplemented by the Funding Assignment (1969).

The Madhavadas Committee (1979) surveyed the imagined by inner-city co-

overseer banks in more significant explanations behind premium and depicted a guide
for their future part proposing help from RBI and Government in the instituting of
such banks regressive areas and supporting appropriateness models.

The Odium Working Group (1981) required enhanced exploitation of banks'

additional resources and that the rate of the Cash Deputy Proportion (CDP) and the
Statutory Liquidity Ratio (SLR) of these banks ought be passed on at standard with
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business banks, stagedly. While the Marathe Committee (1992) rethought the
presence of mind benchmarks and showed the period of development, the Madhava
Rao Committee (1999) dedicated on blend, device of sullying, superior capable
measures in urban co-genius banks and endeavored to modify the urban sparing cash
change with business banks.

A component of the inner-city keeping cash advancement has been its mixed
character and its rutted land banquet with most tiers pressed in the states of Gujarat,
Karnataka, Maharashtra, and Tamil Nadu. Though most chains are entity saves money
with no branch mastermind, a level of the tremendous tiers have developed their
region in various circumstances when at their order multi-state keeping cash was
tolerable in 1985. A portion of these tiers are furthermore Accredited Merchants in
Overseas Altercation.
Late Developments
Consistently, basic (urban) accommodating banks have enrolled an immense
advancement in numeral, bulk and bulk of commerce dealt with. As on 31st March,
2003 there were 2,104 UCBs of which 56 were arranged tiers. Around 79% of these
are arranged in five states, - Andhra Pradesh, Gujarat, Karnataka, Maharashtra and
Tamil Nadu. Starting late the issues challenged by two or three broad UCBs have
featured a level of the worries these tiers surface and approach deeds are prepared to
blending and bracing this portion and upgrading

organization Current Structure of UCBs:

At introduce there are 95,156 Credit Co-agent organizations in India out of
which there are 1606 urban co-agent banks. The accompanying make sense of
delighted that of 1606 UCBs 51 are planned and 1555 are non-booked UCBs. To the
extent booked co-agent banking the urban part 25 are multi state. This shows with the
developing significance of keeping money in the financial framework, UBCs hold a
noticeable position in the managing an account circle.
URBAN COOPERATIVE BANKING
The urban agreeable banks held a lofty position in the field of cooperative
division and are extremely critical part in the States in Union of India as urban credit
framework has a solid asset base. To-day, the nearness of urban agreeable banks a
colossal felt-require in the field of business tasks in the present day managing an
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account business; describing them as 'companion of-poor' and the borrower as
'companion of-urban cooperative banks.'

The piece of urban pleasing banks is a holding by the strategies of rendering the
untouched or unreached and weaker zones in the urban society, and continued in lead
of business exercises in the ever changing competitive condition. The change of
weaker and the need portion ought to be checked by the urban pleasing banks with the
administer of an incentive as quality to the fragile. Urban and semi-urban domains
with a view to making open entryways for certainty of people. Their focus on
activities is as flows.

• To in still thrift and self improvement among the individuals and pull in stores
from the surplus wage savers of heap individuals

• To render keeping money administrations including credit to the poor urban

weaker segments and the fragment of need segment in urban regions

• To enhance the financial states of urban individuals with its sound and
successful managing an account arrangement

ROLE OF URBAN COOPERATIVE BANKS

Among various financial foundations which collect stores and deploy funds to the
poor urban borrowers, the urban supportive dealing with a record has emerged as the
guideline functionary in meeting the keeping cash benefits as well as the credit needs
of them. They moreover do the business with straightforwardness; commitment and
obligation, and render the beneficial organizations. They ascended by temperance of
business banks which couldn't show critical energy for meeting the credit needs of
little techniques for people in urban districts, which invigorated the necessity for.
Primarily, the urban pleasing banks are planned to lift needy individuals and justified
weaker areas.
Man Mohan Singh, the then Governor of Reserve Bank of India expressed the
point of view some portion of the urban pleasant banks in India as: "The urban
cooperative banks have an uncommonly profitable and ponder impact in progressing
the habit of thrift and speculation stores; and a vital fragment of their advances was to
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help the general population of little means as well."10 On the examination of urban
supportive banks, Rage has totally watched that "the urban pleasant banks have
increased appealing ground just after they went under the control of Reserve Bank of
India. They banks are progressing without any other individual stores."

The objectives and functions of the Urban Co-operative banks:

• Primarily, to collect supports for loaning cash to its individuals.

• To pull in stores from individuals and also non-individuals.

• To support thrift, self-improvement promotion common guide among

individuals.

• To draw, make, acknowledge, markdown, purchase, offer, gather and

arrangement in bills of Exchange, drafts, testaments and different securities.

• To give safe-store vaults

Sorts of Co-agent Banks:

The co-administrator banks are insignificant evaluated entities which work together in
inner-city and non-inner city focuses. They back little debtors in show day and
exchange divisions other than ace what's more, pay classes. Supervised by the RBI,
they are controlled by the Managing a record Conventions Act 1949 and saving
money regulations (co-administrator social solicitations) act, 1965. The co-
administrator managing a record organization in India is secluded into taking after 5
segments

Essential Co-agent Credit Society

The key co-pro credit humanity is a relationship of debtors and non-debtors living in a
specific locale. The upsides of the general populace are gotten from the offer
investment and stores of individuals and credits from focal co-pro banks. The getting
forces of the general population and what's a greater amount of the general populace
are balanced. The advances are given to individuals for the buy of dairy cows, grain,
composts, pesticides, and what not.
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Focal co-agent banks
These are the relationship of central acclaim social demands in an area and there of
two types those are taking a help of essential social demands just and those having a
selection of social solicitations and in addition people. The advantages of the bank
incorporate offer capital, stores, credits and over drafts from ceremonial co-master
tiers and united bonds. These tiers offer save to part social demands inside the cut off
motivations behind the getting farthest reaches of social solicitations. They also
arrange all the matter of a united typical tier.

State co-agent banks

The state-run co-director tier is an association of significant co-master tier and goes
about as a screen canine of the co-specialist keeping exchange erection out the state-
run. Its central focuses are gained from offer assets, stores, credits and overdrafts from
the RBI. The state-run stunning tiers drive dough to dominant co-genius tiers and
fundamental social requests and not clearly to the agriculturists.

Land improvement banks

The Acreage change tiers are managed in three levels particularly; municipal, focal,
and essential glassy and they meet the entire arrangement glory necessities of the
agriculturists for formative commitments. The municipal arrive change tiers facilitate,
the key domain movement banks engineered in the region and tehsil zones in the
municipal. They are controlled both by the formal government and RBI. Beginning
late, the control of domain change banks has been recognized by National Bank for
Agriculture and Rural Improvement (NABARD). The wellsprings of advantages for
these tiers are the debentures purchased in by mutually focal and municipal
government. These tiers don't perceive stores from the general masses.

Functions of co-operative banks

Co-specialist tiers in like way play out the real managing a record segments of
keeping money yet they separate from business banks in the running with deference

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 Commercial banks are business components under the affiliations' appearing of 1956,
or open domain tier under a substitute show of a house while co-administrator
banks were set up under the co-administrator humanity's shows of various
federations.
 Marketable bank erection is office managing a record erection while co-administrator
tiers have a 3 level format, with municipal co administrator tier at top level,
focal/locale co-master bank at area near, and fundamental co administrator social
solicitations at typical level.

 Merely a level of the areas of managing a record course show of 1949 (absolutely
significant to business tiers), are material to co pro banks, happening just in limited
governor by RBI of co administrator tiers and

 Co expert tiers confine on the represent of facilitated exertion and not by any reach
out of the innovative vitality on business parameters.

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COMPANY PROFILE

Company Name: Ballari urban co-operative bank

Date of establishment: Jun-12-1996
Incorporation date: Feb -07-2004
Area of operation: Ballari
Employees: Ballari urban co-operative bank employees 20-25
President: Dr. Ramesh Gopal
CEO: Shiva raj patil

VISION & MISSION STATEMENT

CORPORATE VISION OF THE BANK
We imagine to make as a solid excited Bank through bringing together of human,
money related and mechanical assets.

THE MISSION STATEMENT OF THE BANK

•To get a handle on and operationalize high – level headway rules.

•To endeavour to accomplish quality in Client Facility

•To accomplish the most confounding ethics of straightforwardness and obligation in

the lead of saving money business

•To develop preferred standpoint and preferences of the Bank with due consistence of
prudential principles

Quality policy:
Consistently advance and enhance our preparation frameworks and procedures for
powerful learning dispersal. Meet or surpass desires of our clients from the money
related part AWARDS &

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 ACHIEVEMENTS:
 2009-2010 Award for achieving net NPA 0% from Pune District Co-operative
Banks Association.
 2008-2009 Award for achieving net NPA 0% from Pune District Co-operative
Banks Association.
 2007-2008 Award for achieving net NPA 0% from Pune District Co-operative
Banks Association.
 2005 Rated “BEST BANK” by Maharashtra Urban Co-operative Banks Federation
in Rs.500 category.

Products and Services

 Housing finance
 Car loan
 Professional loan
 Educational loan
 Gold loan
 Safe deposit lockers
Housing finance

We have to an uncommon degree liberal approach for hold up store to all inclusively
community from general society. Shocking pattern have been schemed for govt./PSU
authorities, proficient and whole heartedly utilized people, has additionally for
common individuals for progress, buying and upgrade of households. For govt./PSU
doles out no overseeing responsibilities are taken.

Car loan

Under this plan a debtor can get a progress to purchase an auto on fantastically
captivating standings for specific utilize. An specific can stick his/her remuneration
with that of his/her life partner to profit greater credits. Scarcest traditions, major
made word and fundamental technique are the run excitement of this strategy.

Professional loan

A credit for ace like doctors, engineers, chartered accountants, lawyers, designers and
so on, to meet their lord needs is given one can profit advance for buy of a broad

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 assortment to helpful supplies, gadgets ,things to begin work places, getting or fixing
up business premises, ventilation systems, generators, coolers and so on.

Educational Loan

Gold loan

Gold advance is authorized by tolerating the gold decorations of the client as promise.
Gold credits are here and now advances and the reimbursement time frame can
change for a month to couple of years.

The work environment of safe store lockers is an assistant connection offered by our
bank. The branch offering this office will show up/show this data at an unmistakable
place. True blue points of view managing the affiliation are;

• A locker might be selected by an individual (not minor) firms, obliged

affiliations, quicked affiliations and social deals and so on, beside evidently injured
individuals.

 A selection office is open to particular hirer of safe store locker.

 Loss of key should be immediately instructed to the branch and customer will be
charged for break-opening of the locker.
 Lockers are opened in various sizes (pretty much nothing, medium and noteworthy).

Lockers are leased for a base time of 1 year as showed up by banks strategy. In
occurrence beginning late lease, the bank will charge instruct as picked once in a
while.

 Withstanding heading, the rent might be paid from the store record of the hirer.
 We will issue storeroom just to genuinely showed individuals.
 We favour our vitality to tear open the locker if the lease isn't paid in spite of giving
advised by the bank coordinates and recover charges their off.

Senior Citizens

Extra premium and motivating forces are accessible for senior citizens. The bank has
wonderful plans for the senior citizens, as of now, the bank is pushing additional rate

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 of vitality of 0.50% as material on various change. They can in like manner advantage
free office of get-together/settlement of purposes of enthusiasm up to certain most
uncommon, latest explanations behind premium are unguarded with the bank. Safe
Deposit Lockers

Defilement Free Service

We will give every last one of the associations and regard the sense of duty regarding
the customers without segment of any pay off.

Importance Of Home Credit

An aggregate of cash obtained from a financial affiliation or bank to buy a house,

home advances incorporate a versatile or settled proper charge and segment terms.

Back For Housing Schemes

Ballari UCB limited primary (urban) co-specialist banks (UCBS) blessing advances to
the going with classes of borrowers:

A) Individuals and co-authority/bunch lodging social solicitations.

B) Housing sheets undertaking lodging assignments or plans for fiscally weaker parts
(EWS), a lower remuneration bunches (LIG) and centre pay sets (MIG)
C) Proprietors of a families/cushions for development and up-degree, including basic
repair.

Qualified Schemes

 Building/buy off stocks/pads by people.

 Maintenances, changes and increments to communities by people.
 Systems for inn and motels for organized stations and booked societies.
 Under ghetto room outlines-especially to the ghetto finance on the security of the
command, or round about concluded legislative boards grew thus.
 Education,success,social, or particular establishments/focuses which are somewhat of
a lodge grow and considered key for the movement of settements or townships.

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 Measure of Loan

Level 1: Rs 30 lakhs for every beneficiary of a residence;

Level 2 : Rs 70 lakhs for each recipient of a habitation; subject to surviving prudential
introduction limits;

The most prenominal advance ought not outflank 15% of capital assets of the bank, if
there should be an occasion of single debtors and forty for each penny of the capital
assets in the event of get-together of debtors. The investment assets for the reason
should join together TIER1 and TIER2.

Interest

BUC bank may settle the hobby/correctional hobby and so on with the endorsement
of particular boards.UCBS are not allowed to collect any abandonment or advance
payment controls in home-based credits on scheming amount premise.

Security

A) Advance of chattels or control assurance where up and coming together;

B) Where these are not achievable, tiers may perceive safekeeping of satisfactory
quality as LIC approaches, regime promissory summaries, offers/debentures, gold
embellishments or such other sanctuary has they respect sensible.

Time of Loan
Lodge Finances might be repayable inside a most uncommon time of twenty years
containing a blacklist or reimbursement occasion of eighteen months. The blacklist or
occasion might be allowed at the choice of the recipient or till satisfaction of
progressions or from the portion of paramount section either is prior. Move on parts
(cut down aggregate at first to be expanded ceaselessly) might be seen as with a
specific end goal to impact the Housing to back more sensible.

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Lodging Loans under Priority Sector

• Loans up to Rs.25 Lakhs to entities for securing/improvement of standing unit

per family,
• Credits agreed for renovations to the hurt withstanding units of families up to
Rs. one Lakh in nation and semi-municipal zones and up to Rs.two Lakhs in
municipal and urbanite reaches.

• Support agreed to any administrative association for advancement of staying

entities or for ghetto space and recuperation of ghetto occupants, substance to a top of
Rs. Five lakhs of credit entirety per continuing entity.

Mode of Operations:

PROGRESS OF BALLARI URBAN CO-OPERATIVE BANK LIMITED

The BALLARI URBAN CO-OPERATIVE BANK, which was very nearly being
exchanged, has left red. The bank has recorded a benefit of Rs 9.25 lakh for 2005-06,
As per its leader D.L. Ramesh Gopal
Dr Ramesh Gopal, who has been heading the board for the second term consecutively,
said changing over unsecured advances into secured ones and endeavours to recoup
advances had helped the bank to turn the corner.

The bank recuperated around rs54.32 lakh (rs.40.70 lakhs central and rs.13.61
premium segment) in the earlier year. As per him, the net non-performing assets
(NPA) had descended from 56.51% of every 2004-2005 to 24.15% out of 2005-06.
The present offer capital of the bank was about rs 26.01 lakh and the store remained at
2.93 crore. In 2005-06, the bank had propelled credits of rs 1.18 crore. Dr Ramesh
Gopal said the bank broadened advances at 12% and 11% for each if there should be
an occurrence of instructive advances. The bank had been giving higher rate of
enthusiasm on store and offered 1% additional for stores by senior subjects and
dowagers.

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INFRASTRUCTURE

Friendly environment among employees of organization

Good ventilation and lighting system.
Separate cabin facility for each employee.
Advanced computer systems with high speed internet connectivity.

Competitors of URBAN CO-OPERATIVE BANK BALLARI:

SUCO bank
SUCO Bank started in a taluk focal point of Raichur region; Sindhanur in 1995 as
Sindhanur Urban Co-specialist Bank under the activity of Mr Manohar Maski. After a
short time the Bank got the chance to be standard as SUCO Bank, from now on Bank
changed its enrolled name itself to SUCO Bank. The gathering of SUCO Bank draws
in the inspiration to start the Bank from the achievement of Janatha Bazar, Sindhanur.
SUCO Bank started in automated and ventilated condition from the earliest starting
point. Today it may be a run of the mill ponder in Banking section however in 1995 it
was a radical walk from Team SUCO Bank. Undoubtedly, even today SUCO Bank is
a pioneer in banking part.
In 2001 SUCO Bank turned into the primary Co-agent establishment to be enlisted
under Souharda Sahakari Act.
SUCO Bank is the main Bank in Karnataka to gain two co-agent Banks to be specific
Mahila Shakti Co-agent bank, Bellary and Vardhaman Co-agent bank, Hubli We are
the main co-agent Bank to present brand envoy idea by designating Mrs
AnuPrabhakar, Kannada film Actress in the year 2005-06.

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 SWOT ANALYSIS

STRENGTHS:
 UCBs are self– dependent in budgetary with less hazard in activities.
 They have been filling the credit hole in the urban, rural and semi-urban regions.
 Employees of UCBs are from local areas, well versed with their clientele, their needs
and psychology
 UCBs have duty regarding the financial upliftment of the weaker segments of the
group.

WEAKNESSES
 Staff recruitment is not done properly in UCBs. There is a shortage of manpower
 The process of computerization of UCBs is rather slow. Though computers have been
installed, trained staff is not available.
 Lack of professional management.
 Regional imbalance in the distribution and development of UCBs.
 Ineffective supervisory mechanism and internal control system.

OPPORTUNITIES
 UCBs are incorporated into their neighbourhood condition and their part goes past
that of supplier of money related administrations.
 On record of their vicinity to their individuals and their organizations, UCBs have a
decent degree for extending the enrolment.
 UCBs are pioneers in the field of micro finance.

THREATS
 Acute competition in the market
 Increasing incidence of frauds and misappropriation
 Loan waiver announcement of government then and there.
 Higher cost of management especially for interest on deposits and establishment cost.
 Departmental interference in financial matters in various forms.

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 Future Growth and prospects of Ballari Urban Co-operative Bank
 ATM facility: ATM is proposed to be initiated at head office branch and in Bangalore
road , infantry road.
 RTGS facility: It is an electronic payment environment where payments are processed
based on REAL TIME or GROSS basis.
 NEFT: national electronic fund transfer made on no upper value limit for putting an
individual NEFT transaction.

Financial statement
Balance sheet as on 31-03-2017
LIABILITIES AMOUNT ASSETS AMOUNT
Share Capital 12320800 Cash in Hand 10287019
Reserves & Other funds 21796557 C/A with Banks 52714608
Deposits 38096792 Investments 148134300
Term deposits 370684601 Loans & Advances 251957310
Matured deposits 21371875 Fixed & other assets 3773726
Accrued interest
Provision for interest 19313902 10840709
receivable
Other liabilities &
1014820 Other receivables 7914281
provisions
Interest receivable
Overdue interest (contra) 5160104 5160104
(contra)
Net profit 1022606 ----- -----

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Profit & Loss Account
PARTICULARS AMOUNT PARTICULARS AMOUNT
Interest deposits, Interest received on
43990196 40966576
borrowings etc. loans
Salaries & allowance, Interest received on
4092368 12485103
bonus, gratuity etc Investment
Rent, Taxes, service Commission, Exchange,
1357848 45679
charges, Insurance Brokerage
Administrative expenses 1935649 Rent for SDV Lockers 95962
Audit & Consultancy fee 392837 Other receipts 504447
Other expenses 240478
Depreciation 1065785
Net profit transferred to
1022606
B/S
Total 54097767 Total 54097767

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 Chapter 2
Conceptual background and Literature review

Customer satisfaction
Client satisfaction is a showing stint that methods how stuffs or overtones donated by
an attachment light or shattered a shopper's prerequisite. Client dedication is
necessary in sunlit of the manner that it gives promoters and professional futurists
with a metric that they can use to superintend and overhaul their affiliations.

Procedures for measuring consumer loyalty:

Managing customers' satisfaction profitably is one the best test an affiliation confront.
The instruments or methods to measure purchaser steadfastness ought to be described
skilfully to fulfil the liked models. There are taking after strategies to check customer
reliability.

1. Coordinate Systems: Openly achieving shoppers and receiving their gainful

information is basic. Captivating later are a section of the courses by which patrons
might be plainly chosen:

a. Attainment client input through unknown working environments.

b. Organize progressing, in house sound concentrations, dissenting managing office
might be overseen as first explanation behind exchange for receiving client feedback.
These wellsprings of data are assembled to look into shoppers' understanding.
c. Getting punter disparagement concluded close exchange or assembly.
d. Feedback through dissent or thankfulness memo.
e. Arrange shopper input through outlines and appraisals.

2 Indirect Method: The bona fide inconvenience of direct procedures is that it ends
up being expensive and requires a broad measure of pre amassed courses of action to
execute for getting the productive data sources the provider completely depends on
upon the customer due to which they loses ranges and chances to yield therapeutic

Page | 21
ration at perfect stint. Thus there are other later round about methodologies for
attainment feedback as for purchaser dedication:

a. Customer Complaints: Patron's contradictions are the concerns and concerns point
by point by the shopper to purveyor with reverence to a precise thing or associated
association. These grievances can be asked for further down various portions as
appeared by the genuineness and bureau. On the off unplanned that the contradictions
under a detailed segment go in elevation in a precise time traverse then the
performance of the alliance is undignified in that precise area or portion.
Notwithstanding, if the differences lessen in a precise time designation that construes
the connotation is acting out admirably and buyer trustworthiness flat is also complex.

b. Customer Loyalty: It is essentially prerequisite for a relationship to partner and

contrast with patrons every one of the open door with broaden client steady quality. In
these affiliations and trades it is prerequisite to learn and pick all specific shopper
prerequisites and counter in like way. A shopper is alleged to continue on the off
fortuitous that he benefits to trader for consistent prelude for good buy. These fearless
patrons are the contented ones and from this time forward they are compelled with an
connotation with the trader. Along these lines by attainment the patron commitment
record, suppliers can roundabout evaluate customer trust worthiness.
.
Central purposes of Customer Satisfaction

• Up-to-date input: Crease up-to-date patron obligation on unalike slices of your

connexion. You can remain focused of patron outlines over and done with
unvaryingly orchestrated online examinations or e mail charts, and get minute patron
contribution. It is perpetually valuable to get learning into how your shoppers are at
acquaint countering with all slices of your industry.

• Benchmark comes to fruition: You can control a comparative report every now
and then to patrons to escalation progressed with data into your patrons. Audits can
have comparative mandate, which will enable you to ponder material after some
interval and scale look at material oblique over completed before years to understand
whether any enlargements ought be ended.
Page | 22
• Show that you give it a misgiving: Patrons seize the opportunity to be wished their
information. It springs the patron the understanding that your attachment regards
them; is circled all over the place observance them overall prearrangement patron; and
stations commerce ranges on their documents.

In-depth about consumer loyalty level

Banks perceive the way that conveyance of value administration to clients is

fundamental for achievement and survival in today's worldwide and aggressive
managing an account domain. Consumer loyalty measurably affects buy goals, on
client maintenance and on an association's money related performance. Customers
who shift banks for the most part do as such on the grounds that they are disappointed
with administration. In the meantime, clients who are fulfilled by their banks'
administration stay faithful, regardless of the fact that they need to pay somewhat
more for it. After some time, loyal customers transform into promoters, prescribing
their banks to others. Along these lines, couple of things are more critical than
guaranteeing client faithfulness in today's aggressive saving money environment. In
this setting, for the better execution and development of UCBs, it has turned out to be
extremely fundamental to give legitimate weightage to the sentiments of clients of
these banks and in the meantime to gauge and screen the consumer loyalty constantly.

Page | 23
 Literature review:

Patel (1996) Had explain That Housing Finance Has Been An vital Part Of Bank’s
main concern region lend. Every Nationalised Banks Is Expected To Allocate A
Specific Percentage Of Deposits For Housing Finance Every Year, I.E., To Provide
Housing Finance To Weaker Sections Of Society From 1975 Under The Twenty Point
Programme. For Providing Planned And Systematic Housing Finance To Customers
Many Banks Have Established Their Own Housing Finance Subsidiaries.

Talaga And Buch (1998) Studied How Consumers Of Mortgage Instruments Make
Adjustment Among Different Instruments. The Study Focussed On Five Variables:
Number Of Points, Reputation Of Lender, Type Of Mortgage, Additional Fees And
Term Of Mortgage, Whereas The Interest Rate Was Controlled Variable. Using
Conjoint Analysis It Was Found That The Most Preferred Mortgage Was That Was
Fixed, No Points, No Additional Cost And Known Lender. It Was Followed By
Fixed, 15 Years, No Additional Cost, No Points And Known Lender. The Important
Variables That Were Recognized In The Study Were Additional Costs And Number
Of Points.

Devlin (2002) Studied The Choice Criteria Followed By Consumers In Choosing The
Financial Institution And The Importance Of Demographic Factors And Customers
Maturity In Affecting Choice Decision. Utilizing Judgemental Survey, Questionnaire
Was Administered To Respondents That Generated 4200 Responses From Individuals
Who Had Chosen A Home Loan Institution. Procedures Like T-Test And ANOVA
Were Used To Find Out The Results. From All The Criteria That Were Selected In
The Study From Previous Literature, It Was Found That Professional Advice Is The
Most Cited Choice Criteria. It Was Also Found That Females Choose A Mortgage
Primarily From An Institution Where They Already Have An Account. People From
Lower Social Class And Low Household Income, Asian Ethnicity, Location Whereas
Those From Higher Social Class And High Household Income Choose On The Basis
Of Previous Mortgage. People from Non-White Ethnicity Choose Mortgage
Institution On The Basis Of Image And Reputation Of The Provider. They Also
Consider Service Quality While Choosing. People With Low Education Choose On
The Basis Of Cash Back Being A Part Of The Product Features, Attractive Interest

Page | 24
Rate And Availability Of Discounts. It Was Seen That Individuals With High
Financial Maturity Choose On The Basis Of Previous Mortgage, Interest Rates And
Those With Low Financial Maturity Choose On The Basis Of Professional Advice. s.

Lee And Marlowe (2003) Studied The Decision Making Criteria Of Consumers In
Choosing A Financial Institution. Two Self-governing But Linked Trainings Were
Conducted. In First Study, Customer Decision Making Measures Were analysed
While In Second Training Consumer Decision Making Heuristics Were Identified. In
First Study, Data Was Taken From The Survey Of Consumer Finances And An
Analysis Was Done Using Descriptive Statistics, Bivariate Statistics And Multi
Nominal Logic Investigation. The Variables Included Were

Knowledge With Examination Accounts, Socioeconomic Position And Demographic

Features. Discoveries Had Shown That Convenience Was Considered An Important
Criterion By Most Of The Respondents. It Was Also Seen That Customers‟ Choice
Making Standards May Differ across the Practices with Examination Financial
records, Socioeconomic and Demographic Features. In The Second Study Data Was
Composed Via Attention Assembly Practice. Discoveries Show That Convenience
Was Considered Important By Most Of The Respondents Tracked By Low Fee And
Private Affairs. Shoppers Considered Zone, Periods Of Action, Operational Funding
As Accessibility Features.

Sangwan P. BhanK. (2012) evaluated the House Loan Schemes of PNB, UBI, HDFC
and ICICI and Studied the Customers Response Regarding Housing Loans and Their
Level of Satisfaction and Difficulties Challenged by them while dealing With the
Bank. The Analysis Of The case was based on replies given By 200 Clients through
Questionnaires. It Was Seen That All Banks Offered Loan On Fixed Interest Rate To
Individuals For Whom Equitable Mortgage And Guarantee Were Security With
Repayment Period Of 20 Years Except For PNB That Had Repayment Period Of 25
Years. Each Bank Has Limit To Provide Loan Amount Except For HDFC That Offers
No Limit. Also Each Bank Charged Processing Charge For The Loan To Be
Provided, Where UBI Has Least Charges. Lavenes Test And T-Test Were Conducted
For Analysing The Results. It Was Seen That People Get Attracted To Lower Interest
Rate And Low Processing Cost Of Private Sector Banks And Moreover The

Page | 25
Behaviour Of Public Sector Bank Employees Is Not Cooperative. The greater part Of
the People Have Lack of Money, Professionals Prefer Home Loans from 1 to 5 Lakhs,
Majority Prefer Loan for Construction of New House and Give Land Papers as
Security for Loan. It was decided that Private sector banks are better than public
Sector banks.

Frangos Et Al (2012) Studied The Factors Affecting Decision To Choose A Bank For
Loan Among Greek Citizens. The Survey Was Carried By Administering
Questionnaires To Citizens Of Athens. Utilizing Factor Analysis Variables Like
Satisfaction, Interest Rates, Insurances/Guarantees, Installments, General Loan
Factors, Service Quality, And Shop Design And Customer Service Were Selected. It
Was Then Observed That Interest Rate Followed By Service Quality Factors Are
Significant Variables Affecting Loan Taking Decision. Considering Demographic
Factors, It Was Observed That Females, Young Individuals, Employed And Educated
Respondents Generally Those Working In Public Sector Having

Gross Monthly Income Less Than 1000 Euros And Annual Income Less Than 8000
Euros And Belonging To Personal Property Band Less Than 10000 Euros Prefer To
Take Loan

BiswaN.Bhattacharya (1991) discovered the purpose behind the low quality of client
benefit in banks. The outcome demonstrated that in excess of fifty for every penny of
the clients who made dissensions referred to wasteful administration as the
fundamental driver. The postponement in encashment of check was the following
explanation behind client grievances. The investigation called attention to that there
was impressive deferral in the administration rendered which brought about aggregate
disappointment among clients.

Dilshath (1992) examined the degree of consumer loyalty as to the administration

rendered by the nationalized banks. She found that clients were not fulfilled at the
money counter because of long time taken for drawing cash. Clients were additionally
disappointed in light of the fact that specific administrations like speculation counsel
and expense guidance were not given to them and borrowers were disappointed
because of bulky procedural customs in getting credits authorized.

Page | 26
Sangeetha Aurora and Meenakshi Malhotra (1997) considered the components
deciding consumer loyalty at various levels and showcasing methodologies for
expanding the level of clients' fulfilment. Factor-wise normal scores uncovered that
there was noteworthy distinction between the level of fulfilment of the general
population and private area banks' clients. The last were substantially more fulfilled
than their partners out in the open division banks. The most recognizing and
exceptional elements in charge of the fulfilment of private banks' clients were staff
and administration factors. They recommend that open segment banks expected to
receive certain particular promoting systems to get by in the present day rivalry.
Parimal Vyas (2000) contemplated clients' fulfilment from the administrations gave
by various banks and furthermore broke down the reaction of clients towards the real
time taken by banks to finish the saving money exchanges. The discoveries of the
examination uncovered that nationalized banks and co-agent banks need to enhance
diminishing the time taken to finish managing an account exchanges. Relatively the
private and outside banks set aside significantly less time for finishing their
exchanges. The investigation proposed that the nationalized business banks and co-
agent banks need to expand the utilization of data innovation and client relationship
administration to convey institutionalized administrations to their objective clients.

Eapan Varghese and Ganesh (2003) in their examination titled "Client Service in
Banks: An Empirical Study", fundamentally centred around how to gauge the speed in
which business banks were rendering administration to their clients in 13 unique
measurements. The aftereffect of this investigation was that there existed no
difference between the general people partition banks and isolated segment banks in
devouring clients' the ideal opportunity for executing business with the bank. It was
watched that investors estimated just activity time and the getting to time and lining
time were not mulled over which is basic to clients.
Kulkarni (1979)

In his examination "Progress responsibility and benefit of banks" imparted that while
considering bank expenses and points of interest, social inclinations ascending out of
it can't be dismissed. He endorsed that while meeting social duty banks should try to
make formative business as effective as could be permitted.

Page | 27
Varde and Singh (1979)
In an examination "effectiveness of business banks" more than 15 years offered
thought to two sorts of segments that effects propel charges levelsi.e. Inward
segments (checking operational and administrative effectiveness of individual
prelude). Managing a record Commission (1972) researched bank working techniques
and frameworks and made proposals for updating and modernizing these, especially
identifying with client associations, credit system and inward control structures. It
watched that present techniques for working out branch advantage are not proper and
a combined costing and budgetary enumerating structure is required.
La cour Michael (2006)

Separated the home buy contract thing inclinations of LMI families. Targets of his
examination were to examination the parts that picked their decision of agreement
thing. The part evaluating and thing substitution play in this bit of the business
division and do happens shift when pushes are started through home loan centre
individuals? For this they have utilize the descend into sin examination and results
that high premium hazard diminishes push quality.

La courr, Michael (2007)

Examination in his examination the portions influenced the improvement in the level
of Annual rate rates (APR) spread specifying amidst 2005 more than 2004.The three
fundamental variables are (1) changes in credit expert business hones; (2) changes in
the hazard profile of borrowers; and (3) changes in the yield bend condition. The
outcome displays that in the wake of controlling for the blend of drive sorts, credit
threat factors, and the yield turn, there was no quantifiably critical advancement in the
reportable volume for advances began especially by moneylenders amidst 2005,
though indirect, markdown beginnings did in a general sense increment. At long last,
given a model of the segments affecting comes to fruition for 2004-2005, we imagine
that 2006 results will continue to show an improvement in the rate of advances that
are higher regarded when last numbers are discharged in September 2007.
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 Chapter 3
Research Design

STATEMENT OF THE PROBLEM

Housing finance stands top in the financial sector today. Housing finance companies
play major part in the national economy. Though the housing finance banks are fast
flourishing, they face problems due to various reasons.
Normally the local bodies make inordinate delay to approve the sites and plots. So
house builders find it difficult to get approval of their sites, without which they can't
borrow loans.
There are some laws which are detrimental to development of housing sectors like
Urban Land Ceiling Act and Rent Control Act. These Acts should be amended so as
to make them suitable for the changing needs of the society.
The development of populace brings about the deficiency of lodging ceaselessly. The
Government's drive for the improvement of lodging isn't up to the stamp and isn't in
help of the effective usage of this plan. The cost of development continues expanding
as the cost of land is soaring and furthermore the work and material costs increment
persistently. The loaning banks too have upgraded their rates of premium. 5

The larger part of destitute individuals abide in provincial zones. They don't have
general month to month pay as work open doors are less in rustic zones. With no or
less reserve funds town individuals can't think about their own homes. Numerous
banks promote low rates of enthusiasm for lodging. Be that as it may, as a general rule
financing costs are high as they include them with the key each quarter in a year.
They additionally incorporate handling expense and other concealed charges. These
are very in opposition to their promotions.

Page | 29
 Additionally, the lodging account banks propel advances predominantly to the
salaried class in India. The town individuals, sloppy non-customary pay bunches think
that it’s hard to benefit the lodging advance office. Subsequently an endeavour is
made to think about the issues looked by the
Clients in benefiting the lodging account. In such a circumstance the accompanying
variables are essential for the investigation.
• At what levels the various housing finance institutions renders services to utilizers of
housing finance?
• What are the advantages derived by the utilizers of housing finance and the housing
finance banks?
• What is the role of housing finance banks in achieving their objectives?
• What are the steps taken by housing finance institutions to meet the competitions in
the market?

NEED OF THE STUDY

In the present example, purchaser dependability accept an essential part in all parts of
the thing and organizations. This investigation work is used to envision the general
purchaser devotion and dissatisfaction with cabin cash

OBJECTIVES OF THE STUDY

1. To comprehend the mindfulness level of clients towards lodging advances gave by

Ballari urban co-agent bank

2. To assess the fulfilment level of clients towards lodging advances

3. To break down effect of process received in authorizing lodging credits

4. To recommend methodologies for the organization in improving fulfilment level of

the clients

Page | 30
Extent OF THE STUDY

A review is for the most part led in the city of Ballari, in this way the present work
has been attempted in the Ballari the majority of the general population are being used
of managing an account items and administrations. This examination is in a general
sense bound to the shopper steadfastness towards lodging fund and administrations as
it were.

RESEARCHMETHODOLOGY
RESEARCH DESIGN

The kind of research took after is illustrative research, it relies upon the fundamental
and discretionary data. The basic data identifying with the level of fulfilment of the
client of the banks about the Housing fund offered byballari urban co-agent bank,
were gathered from people who have acquired the item (credits) and having their
records in ballari urban co-agent bank, by talking them specifically by the analyst
with the assistance of a booked questionnaire.

Auxiliary information were acquired from various pamphlets of banks, yearly reports,
site of bank, magazines and diaries.

Territory OF THE STUDY

Urban co-agent bank ltd Ballari branch basically the examination territory is the
Housing advances, inquire about is led on the general population who have taken the
credit in the Ballari UCB.

Testing METHOD

Irregular inspecting procedure has been utilized as a part of this venture and an
example of 50 clients profiting home advance office of Urban Co-agent Bank
Limited, ballari has been chosen.

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 Irregular inspecting procedure is picked in light of the fact that to know the qualities
of the respondents on home advance in BUCB in a specific city Ballari.

Factual TOOLS
Rate system is used for examination of data. The delayed consequence of the
investigation is presented through tables took after by Bar charts

Collection of data:
A) Primary Data
 Organized questionnaire.
B) Auxiliary Data
 Yearly reports of the bank
 Manual of headings on advances and advances
 News and magazine and other type of auxiliary sources.

LIMITATIONS:

 Time gap makes research irrelevant.

 Problem of trust and accuracy.
 The sample is limited to ballari (District) itself.

Chapter scheme

This section begins with an introduction of the examination took after by the
foundation i.e. how and when the physical condition turned out to be so pivotal for
analyst of administration advertising and behavioral science. What are the different
research issues analyzed in the examination talked about at that point, trailed by
reason, target and centrality of the investigation. With the assistance of a pictorial
outline an exploration structure has been exhibited and a well ordered association of
the examination is given. Toward the finish of the section definitions and terms
utilized as a part of the investigation are given and clarified.

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 CHAPTER 4
DATA ANALYSIS & INTERPRETATION

Introduction: The data collected in the form of response to the questionnaire has
been analyzed. On account of responses the ratings have been averaged to conclude
on the opinion of the respondents. The graph of the rating have been drawn using
Microsoft excel.

Table 1: Are you aware of housing finance at Ballari urban co-operative bank
ltd.

No of respondents 50 Percentage (%)

Yes 35 70%

No 15 30%

40

35

30

25

20

15

10
yes no
5

0
Interpretation: From the above table it clearly shows that 70% of the
customers were aware of home loans and 30% of them respondents had
respond that they were not aware of home loans.

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Table2: What is the amount of Home loan availed by you from Ballari UCB.

Loan amount No of respondents 50 Percentage (%)

5lk-10lk 10 20%

10lk-15lk 8 16%

15lk-20lk 22 44%

20lk-above 10 20%

25

20

15

10

0
10 lk-15 lc 15 lc-20 lc 20 lc- above

Interpretation : From the above table it clearly shows that 44% of

customers has taken the home loans of 15-20lakhs from ballari urban co-
operative bank ltd.

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 Table3. Are you satisfied with the home loan requirement and the
amount sanctioned by the Ballari urban co-operative bank?

No of respondents 50 Percentage (%)

Yes 40 80%
No 10 20%

45

40

30

30
20

10
25

yes no
5
20

0
Interpretation: From the above table it clearly shows that 80% of the
customers were satisfied with the home loan requirement and the amount
sanctioned by BUCB.

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Table– 4: Identify from the following the reasons for dissatisfaction towards
housing loans?

No of respondents 50 Percentage (%)

a.Amount applied is high 5 10%

B .Fail to provide requirements 10 20%
documents
c. Fails in prompt repayment of 30 60%
the pervious loan
D .Procedural problems 5 10%

35

30

25

10

20

5
A B C D
15

Interpretation: From the above table it clearly shows that 60% of the customers were
failed in prompt repayment of the pervious loan.

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 Table 5. From the following identify the factors that attract towards bank?

No of respondents 50 Percentage (%)

Personal service 15 30%
Interest rate 25 50%
Product range 8 16%
Treatment of employees 2 4%

30

20

20
10

15
5
personalservice interestrate productrange or anyother

Interpretation: From the above table it clearly shows that 50% of the
customers were is to think about the interest rate offered by BUCB.

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Table 6. How do you rate the bank out of 5?

No of respondents 50 Percentage(%)
Excellent-5 5 10%
V good-4 30 60%
Good-3 10 20%
Poor-2 5 10%
Very poor-1

35

30

25

20

15

10

0
excellent5 v good4 good 3 poor very poor

Interpretation: From the above table it clearly shows that 60% of the
customers is to rate the bank as an v good, and 20% of the customers rates
good.

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 Table 7: Are you finding difficulty in repayment of loans?

No of respondents 50 Percentage (%)

Yes 5 10%

No 45 90%

50

45

40

35
15

30
10

25 yes no
5

20
0
Interpretation: From the above table it clearly shows that 10% respondent is
finding difficulty in repayment of loan. And 90%of respondent are not
finding difficulty in repayment of home loan.

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 Table 8: Do you feel that the rate of the interest charged by bank on home loan is
reasonable?

No of respondents 50 Percentage (%)

Yes 40 80%

No 10 20%

Interpretation: From the Above table it clearly shows that the rate of interest
charged by the bank is reasonable. Out of 50 respondent 80% of customers
says that interest charged by the is reasonable and 20% of the customers
says that its is not reasonable.

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 Table 9: Give your opinion about the services of BCUB?

No of respondents 50 Percentage (%)

Excellent 13 26%

Good 30 60%

Average 5 10%

Poor 2 4%

35

30

25

20

15

10

0
excellent good average poor

Interpretation: From the above table it clearly shows that number of

respondents states that service provided by BUCB, 26% excellent, 60%
good and 10% is average and 4% is poor.

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 Table 10: Would you like to recommend this bank to others?

No of respondents 50 Percentage (%)

Yes 45 90%
No 5 10%

Interpretation: From the above table it clearly shows that the 90% of customers will
recommend his bank to others and 10 %of customers will not recommend this bank.

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 Table 11: If yes how do you rate the service of BUCB compare to other banks?

No of respondents 50 Percentage (%)

Better than other bank 25 50%

Average 10 20%

Poor than other banks 4 8%

Cant say 6 12%

30

25

20

15
no of respondents

10

0
better than average poor than cant say

Interpretation: From the Above table it clearly shows that the majority of the
respondents feel BUCB is better than others banks.

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 Table 12: What is the type of interest rate opted by you?

No of respondents Percentage (%)

Flat rate of interest 44 88%

Floating rate 6 12%

Interpretation: From the Above table it clearly shows that 88% of customers are
taking floating rate of interest and 12% of customers took flat rate of interest

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 Table 13: Was employee behavior satisfactory during the course of
disbursement of home loan and repayment of the loan?

No of respondents 50 Percentage (%)

Delighted 14 28%

Satisfied 34 68%

Dissatisfied 2 4%

Interpretation: From the Above table it clearly shows that the employees behavior
during the disbursement of home loan and repayment of home loan .28% of the
customers are delighted, 68% customers are satisfied, and 4%of customers are
dissatisfied

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 CHAPTER – 5

FINDINGS

 It was found that 70% of the customers were aware of home loans and 30%
of them respondents had respond that they were not aware of home loans.

 It was found that 44% of customers has taken the home loans of 15-20 lakhs
from ballari urban co-operative bank ltd.

 It was found that that 80% of the customers were satisfied with the home
loan requirement and the amount sanctioned by BUCB.

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 SUGGESTIONS:

As from the above research it was discovered that 30% of the respondents
didn't know about home credit plot at ballari urban co-agent bank for which the bank
need to embrace publicizing methodologies with the goal that the clients would wind
up mindful of plans profited by bank

As from the above research it was discovered that 56% of the clients had not
taken the home advance but rather they had acquired other kind of advance from the
same. For which the bank needs to receive techniques for pulling in the new clients to
get the home credit.

The banks should need to present new plans for drawing in new clients and
fulfilling the present ones.

The banks ought to get ready for enlargement of branches.

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 CONCLUSION:

The study is gone for measuring the customer satisfaction and fulfillment, offered
by Ballari urban co-agent bank in Ballari locale. Home loans are such in, general
fulfillment on bank store plans came about emphatically while different
administrations of saving money still should be given consideration by concentrating
on client issues. New inventive plans, systems to take into account non client’s
different administrations must be received. A study or future exploration is prescribed
on all verticals of keeping money administrations. In quality included administrations
client inclination for net keeping money was slightest positioned and if the investors
with to expand net saving money movement, brokers ought to take most extreme
endeavors to teach the clients by offering on line preparing as opposed to passing out
direction manuals. At long last, on the off chance that they need to support clients on
a long haul premise, brokers ought to work towards 100% consumer loyalty that
naturally encourages client delight.

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 BIBLIOGRAPHY
Kothari C.R, Research
Methodology Methods
and technique’s

Journals:

Magazines and journals of urban co-operative bank

Website:

www.articles on housing loans.in

www.ballari urban co-operative bank.comwww.proquest.in
www.rbi.in

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