A BILLION DOLLAR COOPERATIVE CREDIT SOCIETY

PEOPLES MONEY SHOULD BE UTILIZED FOR WELL BEING OF PEOPLE

EVOLUTION OF SOCIAL BANKING

1 BILLION USD BUSINESS MIX.

DEPOSITS OF 500 MILLION USD

LENDING OF 450 MILLION USD

MEMBERS ARE 500000 (HALF MILLION

AREA OF OPERATION 420000 sq. kilometer

BRANCHES 254

EMPLOYEE 3500

7 SUBSIDAIRIES

GOLD LOAN 150 MILLION USD(at peak)

WARE HOUSE LOAN 150 MILLION USD(at peak)

TERM LOAN 70 MILLION USD

CASH CREDIT LOAN 100 MILLION USD

FARMERS LOAN 70 MILLION USD

OTHER LOANS LIKE PERSONAL LOAN,CROP LOAN,VEHICLE LOAN,CREDIT CARD DEBIT CARD LOAN

LOAN AGAINST LIC,FD,DEBENTURES AND OTHER INSTUMENTS

LADDER FORM OF GROWTH

0

500

1000

1500

2000

2500

1998 2002 2006 2008 2010 2012

DEPOSITSLOANS

LADDER FORM OF DECLINING NPAS

0

1

2

3

4

5

6

7

2000 2006 2008 2010 2012

NPAS

Foundation was laid on 15 august 1986

Mr. Radheshyamji Chandakfounder and present chairman nurtured the society to present status.

He started with 210 USD only and with 72 members

Buldana is first branch.

For first five years growth was sluggish and then it took pace.

FOUR PILLAR SYSTEMSOCIAL BANKING

FOUR PILLAR SYSTEM :-Normal cooperative stands on depositors money but buldana

urban has evolved its four pillar system based on principle that“ALL THE MONEY IN WORLD GOES TO BANK”SOCIAL BANKING :-

Principle behind social banking“PEOPLE’S MONEY SHOULD BE UTILISED FOR WELL BEING OF PEOPLE”

WE MADE BULDANA URBAN STAND ON FOUR PILLAR.FIRST IS DEPOSITORS MONEY.

SECOND IS REFINANCE BY BANKS ON OUR PORTFOLIOS.

THIRD IS DIRECT FINANCING BY BANKS THROUGH OUR BRANCH AND HUMAN NETWORK.

FOURTH ONE IS SERVICE SECTOR PILLAR THAT INCLUDES ATM,DEBIT CARDS,TT AND DD COMMISSION,REVENUE BY BHAKTNIWAS,HOSTELS AND SCHOOLS.

FOUR PILLAR SYSTEM

FIRST PILLAR- DEPOSITORS MONEY GENERATED BY TRUST OF MEMBERS

MAINTAING TRUST IS AN ISSUE SOLVED BYTRANSPERENT SYSTEM OF WORK.

CORE BANKING SOLUTION WITH DATA CENTRE.

SMS ALERTS.

PROFESSIONAL MANAGEMENT.

SOCIALLY HELPFUL PROJECT.

DO ALL THINGS THAT ARE NEEDED TOMEMBERS

SECOND PILAR-REFINANCE PILLAR

ON OUR VARIOUS PORTFOLIO LIKE GOLD LOAN,WARE HOUSE LOAN,CROP LOAN,TRACTORLOAN ETC. BANKS GIVE REFINANCE.

BANK OF INDIA HAS GIVE 100 MILLION USD.

UNION BANK HAS GIVEN 50 MILLION USD.

IOB HAS GIVEN 25 MILLION USD.

AND MANY MORE READY TO FINANCE.

. THEY ARE AUTHORISED TO DO MONITORINGAND THEY ARE HAVING FIRST CHARGE.

THIRD PILLAR-BANK DIRECT FINANCE

BANKS LIKE ICICI,HDFC,YES BANK ARE DIRECTLY FINANCING USING OUR NETWORK OF BRANCHES AND HUMAN CAPITAL.

THEY ARE USING OUR REACH FOR FINANCING FARMERS AND MEMBERS.

LOAN DIRECTLY GOES TO THEIR BOOKS.

AROUND 200MILLION USD OF AGREEMENT DONE BY THIS WAY OF FINANCING.

FOURTH PILLAR-SERVICE SECTOR PILLAR

ATM CARD,DEBIT CARD,PREPAID ATM CARD.T.T. AND D.D. COMMISSIONREVENUE FROM HOSTELS,SCHOOLS,IDUSTIRES ETC.REVENUE FROM BHAKTNIVAS, HOTELREVENUE FROM CLEANING GRADING MACHINE. REVENUE FROM TOLL ROAD.REVENUE FROM SELLING IDEA RECHARGE VOUCHES, SOLAR LAMPSREVENUE FROM SELLINNG INSURANCES.REVENUE FROM ADVERTISING.SO ON THESE FOUR PILLARS BULDANA URBAN SO ON THESE FOUR PILLARS BULDANA URBAN IS STADING MORE STROGLY.IS STADING MORE STROGLY.

15%

20%

24%

41%

farmer

businessm

service

deprivedand other

41 % of members are farmers

24 % of members are businessman

20 % of members are from service

sector

15% of members are deprived and

Residential distribution

50 % of our members are from rural area

30 % of our members are from semi urban area

20 % of our members are from urban area

AGE DISTRIBUTION

MIDDLE AGE -54%

CHILDREN - 26%

ABOVE 60 - 20%

Male -55%Female-45%

BULDANA URBAN CREDIT COOPERATIVE SOCIETY HAS MORE THAN 300 WARE HOUSESEACH BRANCH IS CONNECTED WITH WAREHOUSE.TOTAL AREA OF WAREHOUSES IS AROUND 5 MILLION SQ.FEETTOTAL CAPASITY OF WARE HOUSES IS AROUND 450000 MT. TONNBUSINESS IS AROUND 150 MILLION USDFARMERS ASSOCIATED WITH WAREHOUSING ARE AROUND 200000STAFF OF WAREHOUSE IS WELL TRAINED AND CAN EASILY IDENTIFY AND RATE THE COMMODITY SO LENDING CAN BE DONE ON SPOT IN SHORT TIME.WAREHOUSES ARE CONNECTED WITH SPOT AND FUTURE EXCHANGES.WARE HOUSES HELPS FARMERS TO PRESERVE COMMODITIES AND EARN AS MARKET FLUCTUATES.

BULDANA URBAN WAREHOUSING

Buldana urban has started grain cleaning and packing project around 10 projects are running currently.

As we all know problem for the poor farmer is to stand in competition with sophisticated urban plants only because of lack of facilities at his place though production of grains by him. For that farmer buldana urban has setup a cleaning and packing plant and the packed products are carried by BUCCS to big market places like Bombay ,Puna etc

Now small rural farmers can have exposure to big markets

CLEANING AND GRADING UNITS

GOLD LOAN PORTFOLIO IS AROUND 150 MILLION USD.

GOLD LOAN IS MAINLY TAKEN BY FARMERS AND POOR PEOPLE.

GOLD LOAN IS A KIND OF MICROLOAN TO MEMBERS.

GOLD LOAN IS MAINLY USED FOR HEALTH AND OTHER EMERGENCY PURPOSES.

200000 MEMBERS ARE BENIFITTING FROM GOLD LOAN.

IN INDIA GOLD IS THERE IN EVERY HOUSE HOLD.

SILVER LOAN IS ALSO THERE.

SO IT IS LIKE A MICROFINANACE.

GOLD LOAN PROCEDURE

HOUSING LOAN FOR POOR

PERSONAL LOAN.

EDUCATION LOAN.

INFRASTRUCTURE LOAN.

LOAN ON CREDIT CARD,DEBIT CARD.

CROP LOANS.

INDUSTRIAL LOAN.

NON CONVENTIONAL ENERGY LOAN.

FARMERS TAKE GOLD LOAN WHILE SEWING, FOR AGGREGATION, FOR PESTICIDE AND OTHER FARM ACTIVITIES ETC

THEN AS CROP GROWS HE PUT IT IN OUR WAREHOUSES AND GET LOAN AND MAKE GOLD LOAN NIL.

AFTER THAT WHEN RATE RISES HE SELL THE CROP AND MAKE WAREHOSE LOAN NIL AND WITH DIFFERENCE OF MONEY HE CAN BUY WHAT HE NEEDS.

SUPPOSE THE RATE GOES DOWN HE CAN HOLD THE WAREHOUSE LOAN AND AGAIN PUT GOLD WITH US TO FULFILL HIS NEED SO THAT HE CAN BUY TIME AND OVER THE PERIOD OF TIME RATE WILL INCREASE.

BECAUSE OF THESE TWO PRODUCTS AVAILABLE IN RURAL AREA HE GETS CREDIT IN RURAL AREA.

AND THEN HE SPENDS MONEY IN THE SAME AREA SO BUSINEESES IN THAT AREA GROWS

. SUPPOSE HE GETS CREDIT FROM URBAN AREA THEN HE WILL SPEND IT IN URBAN AREA AND THERE WILL BE MIGRATION OF MONEY FROM RURAL TO URBAN AREA FOLLOWED BY POPULATION MIGRATION ALSO.

TECHNOLOGICAL UPGRADATION

CORE BANKING SOLUTION.

ATM CARD,DEBIT CARD.

SMS ALERT

ONLINE WAREHOUSING.

VIDEO MONITORING OF BRANCH

VIDEO SURVIVALCE OF WAREHOUSES

AUTOMATIC STOCK IN WAREHOUSES.

ONLINE CHECKING DEPARTMENT.

DAILY CENTRALISED RATE MONITORING OF COMMODITY.

TOLL FREE NUMBER.

FAKE GOLD TESTING MACHINE.

LOW POWER CONSUMING COMPUTERS.

INDIA’S FIRST PREPAID DEBIT CARD.

ONLINE MOBILE VAN BANKING.

QUARTER SYSTEM FOR MANAGERS

CHEAP VEHICLE LOAN(2W)FOR ALL EMPLOYEE

PENSION FOR ALL EMPLOYEE

GRATUITY UPTO 1000000.

HEALTH INSURANCE FOR COMPLETE FAMILY.

LIFE INSURANCE FOR ALL EMPLOYEE.

EDUCATION AND MARRIAGE LOAN TO EMPLOYEE.

HOLIDAY FOR BEST PERFORMING BRACHES

EMPLOYEES ARE PARTNER OF BUCCS.

10% OF PROFIT GOES TO EMPLOYEE.

MANY PROMOTIONAL SCHEMES ARE THERE TO ENHANCE PERFORMANCE.

EMPLOYEE KIDS GET THE SCHLOLERSHIPS.

CONCESSION IN OUR SCHOOLS.

ONCE CAPTURED ,THAT EMPLOYEE AND THE BRANCH GOES OUT OF SOCIAL SECURITY BASKET.

7 FILTER SYSTEM FOR CHECKINGBRANCH MANAGER CHECKING.

REGIONAL MANAGER CHECKING

FLYING SQUAD CHECKING.

INTERNAL AUDITOR CHECKING.

FINANCIER BANK CHECKING.

STATUTORY AUDITOR CHECKING.

ONLINE CHECKING AT HEAD OFFICE.

WORLD CLASS SECURITY SYSTEM.

STRONG ROOMS AT ALL BRANCHES.

VIDEO RECORDING OF GOLD LOAN CASES

VIDEO SURVEILLANCE OF WAREHOUSES.

GOLD TESTING MACHINES HELPS IN IDENTIFYING FAKE GOLD.

SCANNED DOCUMENTS OF ALL LOAN CASES WITH PROPER CHECKING AT HEAD OFFICE.

“PEOPLES MONEY SHOULD BE UTILISED FOR WELL BEING OF PEOPLE”

It is the heart of Buldana urban.In it we do all activities that help society for making a better place of living.It is totally innovative concept and we urge all financial institution to follow the same conceptIt helps all 500000 members as well as other peoples.It helps children, young as well as old people.It helps normal as well as diseased, educated as well as uneducated ,rural as well as urban population.

19 schools of buldana urban( 15000 students)

EDUCATING THE NEXT GENERATION

Buldana urban is running 19 English medium schools with 15000 students are getting education.These schools are equipped with all modern day facilities and world class infrastructure.Students are getting digital education and high class scientificeducation.Education of robotics and aerodynamics for the students we are providing.We are also trying to give them vocational training also.We promote tree plantation by asking these students to plant trees with their names.Poor students of members get concession in these schools.Presently schools have 300 acre of land.We used to give students organic food and high protein diet.World bank has given us soya been milk extraction machine.

Health initiative

We are also working in health related activities by having an association with GTZ (German insurance company) ,united India insurance company to have concept of health insurance in rural India almost 50000 people are benefitted from health insurance.

We have around 20 ambulances at different places for serving the people.

We used to organize eye camps ,vaccination camps and up till now we did health checkups of 100000 people.

Tricycle for the handicap person as a social objective and loan for micro business that he can do

TRYING TO FULFILL SOCIAL RESPONSIBILITIES

Adopting children of martyr as these soldiers fight for us so we adopts children of martyr.

Celebrating religious functions with prisoners so that these prisoners should not feel that they are totally cut from society.

Earn and learn scheme- in this buldana urban gives loan for bicycle to students who has to walk for a long distance to go to their schools.

Buldana urban also did last rituals of unclaimed bodies.

We use to run cleanliness drive in villages as well as towns.We also builds toilet blocks in rural area.

BUILDING SOCIAL INFRASTRUCTURE

Building hostels for member’s children or for members in PUNA.

Building hostel for working woman and students in BULDANA.

Aggregate capacity for hostels is around 700.

Building old age home for old people.

In future number of old people will increase and to cater their future need we build old age home.

Formation of agriculture hub and agriculture mall and connectivity center at rural level.

Connectivity to various bourses so that poor rural farmer also can get the benefit of market price fluctuation.

Building storage space for FOOD CORPORATION OF INDIA.

Give training to rural farmer so that he can do farming scientifically.

LOW COST HOUSING FOR POOR

COLLECTIVE FARMING OF MEMBERS

Along with private developer buldana urban build low cost housing.

Around 6000 households are getting the benefits,We are also planning for second stage low housing project.

At village level buldana urban organizes farmers and do collective farming of members.

It helps to reduce cost, maximize utilization of resources as well as modern instruments can be utilized by every farmer.

Building infrastructure for members and general people

Buldana urban has build 74 kilometer long road on build operate and transfer basis.

We collect the toll from vehicles and we got lease period of 20 years.

It helps to create jobs and infrastructure for society.

We also build the hotel in buldana with 3 star facility.

Buldana urban also has adopted a village of 50000 population and we try to provide urban amenities in rural area, like roads,potable water, street lights, underground drainage and most importantly these villages run on alternative energy ,this project is under implementation.

BIO MASS&

BIOGAS PROJECTS

CARING FOR ENVERONMENT AND PROMOTING GREEN ENERGY

Buldana urban every year plants 50000 trees all along the areas and also by the side of road.

We have adopted a village of population 50000 and we are trying to run it on biogas, biomass, solar and wind energy.

We are running 7 of our branches on solar as well as wind power.

We are selling solar lamps in rural area.

We are installing biomass and biogas plants.

Our branches are using computers which are consuming only 5 watt energy.

We promote loans on electric vehicles.

RELIGIOUS ACTIVITIES FOR MEMBERS

INTERNATIONAL TRAING CENTRE AND GUEST HOUSE AT SHIRDI

VAIDIC SCHOOL AT BULDANA

Buldana urban has build 5 guest houses at religious places.At Tirupati, Mahur, Shirdi, Onkareshwar .Almost 700 people can be accommodated at these places.We provide booking facility at branch level.Almost 200000 members have benefitted from it.

We are also opening vaidic school to promote Vedas.

We also build cow shelter.In India we worship cow and so we build two cow shelter with capacity of 700 cows

Owning industries and creating jobs

Pharma company Mineral water plant

Cleaning and grading units Sugar factory(sold)

SUGAR FACTORY

INJECTION PLANT

Buldana urban credit care subsidiary of buldanaurban have stake in pharmaceutical company manufacturing anticancer drugs.

Company has world class injection facility.

Buldana urban also has mineral water bottling plant.Every day 10000 bottles can be made.

Buldana urban has cleaning and grading units at warehouses promotes cleaning of grains.

We also had sugar factory.

These industries create thousands of jobs.

Building infrastructure also create jobs.

And society is able to build good infrastructure useful for members and also promote manufacturing.

These industries are generating good amount of revenue for society as well.Owning industries by cooperative is helpful because we do not look for too much of profit at the same time maintaining the world class standards.

SO LET’S COME TOGETHER TO BUILD A BETTER AND WONDERFUL WORLD IN WHICH

“PRINCIPLE OF SOCIAL JUSTICE WILL BE FOLLOWED AT THE SAME TIME PROMOTION OF INNOVATION AND ENTREPRENUARSHIP WILL ALSO TAKE PLACE”

SO HOPE TOGETHER WE ALL WILL BUILD A BEAUTIFUL WORLD AND A BETTER PLACE OF LIVING.

THANKING YOU THANKING YOU ALL FOR ALL FOR APRICIATINGAPRICIATING

DR SUKESH ZAMWARCEO

BULDANA URBAN COOPERATIVE CREDIT SOCIETY