VISVESVARAYA TECHNOLOGICAL

UNIVERSITY
MACHHE, BELGAUM-590 018

DEPARTMENT OF MANAGEMENT STUDIES

SUMMER PROJECT REPORT

On

“LOANS AND ADVANCES”

At
KARNATAKA VIKAS GRAMINA BANK
DHARWAD

Submitted in Partial fulfillment of the requirement for

the award of
Master of Business Administration
During the academic year 2008-2009

Submitted by
Kotrappa B. Desai
USN: 5VX07MBA29

Organization Guide Institute Guide

 Mr. Sunagad Prof.
ANAND NAYAK
Senior Manager (HRDD) Jnana
sangama, VTU,
KVG Bank, Dharwad. Belgaum.
Visvesvaraya Technological University
PG Center, VTU - Belgaum

DEPARTMENT OF MANAGEMENT STUDIES

Certificate
Certified that the project report carried out by Kotrappa B.
Desai bearing USN 5VX07MBA29 a bonafide student of Jnana
sangam VTU PG center, Belgaum in partial fulfillment for the
award of Master of Business Administration of the Visvesvaraya
Technological University, Belgaum during the year 2008-09. It is
certified that all correction/suggestions indicated for internal
Assessment have been incorporated in the Report. The project report
has been approved as it satisfies the academic requirements in
respect of project work prescribed for the said Degree.
Signature of the Guide Signature
of the PG Coordinator
(Prof. Anand Nayak) (Prof.
Nandini S. Sidnal)

External Viva
Name of the examiners
Signature with Date
1.
2.

DECLARATION

I hereby declare that the project report titled “Summer

project at Karnataka Vikas Gramina Bank Dharwad” is
based on an independent study conducted during the academic
year 2008–09 under the guidance of Sunagad (Senior Manager
HRDD)and Mr. Mantesh Shimbi (Branch Manager).

I also declare that this project has not been submitted for
the award of any Degree of any other University / Institution.

I further declare that this report is entirely based on the

information provided to me by the company and is a result of my
own efforts.

I submit this report in fulfillment of the requirement of

Master of Business Administration Degree awarded by VTU
(Belgaum) University
Date:
Kotrappa B. Desai

Place: Belgaum

ACKNOWLEDGEMENT

It has been a great learning pleasure in going through the

summer project at Karnataka Vikas Grameena Bank Dharwad”

I thank Mr. Sunagad (HRDD) of KVGB for giving me the

permission to conduct my project in KVGB.

I express my sincere thanks to Mr. Sunagad, Mr. Shanai, and Mr.

Mantesh Shimbi for sharing their valuable knowledge and also to the
entire staff of KVG Bank.

I sincerely thank Smt. Nandini Sidnal, P.G. Coordinator, P.G

Centre VTU for giving me the opportunity to carry out this dissertation.
I thank them for being a constant source of inspiration and
encouragement.

Lastly I express my sincere thanks to my Parents and all

Friends and those who have helped directly or indirectly in successful
completion of my Dissertation.

I submit this report in fulfillment of the requirement of Master

of Business Administration Degree awarded by Belgaum University
Date:
Kotrappa B. Desai

Place: Belgaum