INTRODUCTION OF BANKINGDefinition Of Bank:

Banking Means "Accepting Deposits for the purpose of lending or Investment of deposits of money from the public, repayable on demand or otherwise and withdraw by cheque, draft or otherwise." -Banking Companies (Regulation) Act,1949

ORIGIN OF THE WORD BANK:-

The origin of the word bank is shrouded in mystery. According to one view point the Italian business house carrying on crude from of banking were called banchi bancheri" According to another viewpoint banking is derived from German word "Branck" which mean heap or mound. In England, the issue of paper money by the government was referred to as a raising a bank.

ORIGIN OF BANKING :Its origin in the simplest form can be traced to the origin of authentic history. After recognizing the benefit of money as a medium of exchange, the importance of banking was developed as it provides the safer place to store the money. This safe place ultimately evolved in to financial institutions that accepts deposits and make loans i.e., modern commercial banks.

Banking system in India

Without a sound and effective banking system in India it cannot have a healthy economy.The banking system of India should not only be hassle free but it should be able to meet new challenges posed by the technology and any other external and internal factors.For the past three decades India's banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India's growth process.

HISTORY OF BANKING IN INDIABanking in India has its origin as early or Vedic period. It is believed that the transitions from many lending to banking must have occurred even before Manu, the great Hindu furriest, who has devoted a section of his work to deposit and advances and laid down rules relating to the rate of interest. During the mogul period, the indigenous banker played a very important role in lending money and financing foreign trade and commerce.With the passing of the State Bank of India Act in 1955 the undertaking of the Imperial Bank of India was taken over by the newly constituted SBI. The Reserve Bank of India (RBI) which is the Central bank was established in April, 1935 by passing Reserve bank of India act 1935. The Central office of RBI is in Mumbai and it controls all the other banks in the country. In the wake of Swadeshi Movement, number of banks with the Indian management were established in the country namely, Punjab National Bank Ltd., Bank of India Ltd., Bank of Baroda Ltd., Canara Bank. Ltd. on 19th July 1969, 14 major banks of the country were nationalized and on 15th April 1980, 6 more commercial private sector banks were taken over by the government.BANKS IN INDIA

In India the banks are being segregated in different groups. Each group has their own benefits and limitations in operating in India. Each has their own dedicated target market. Few of them only work in rural sector while others in both rural as well as urban. Many even are only catering in cities. Some are of Indian origin and some are foreign players.

All these details and many more is discussed over here. The banks and its relation with the customers, their mode of operation, the names of banks under different groups and other such useful informations are talked about.

One more section has been taken note of is the upcoming foreign banks in India. The RBI has shown certain interest to involve more of foreign banks than the existing one recently. This step has paved a way for few more foreign banks to start business in India.

BANKING STRUCTURE IN INDIASCHEDULED BANKS IN INDIA(1) Scheduled Commercial Banks Public Sector BanksPrivate Sector BanksForeign Banks In IndiaRegional Rural Banks

(26) (25) (29) (95)

Nationalized Bank Other Public Sector Banks (IDBI) SBI And Its Associates

Old Private Banks New Private Banks

(2) Scheduled Cooperative BanksScheduled Urban Cooperative BanksScheduled State Cooperative Banks

Public Sector Banks

Public sector banks are those banks which are owned by the Government. The Govt. runs these Banks. In India 14 banks were nationalized in 1969 & in 1980 another 6 banks were also nationalized. Therefore in 1980 the number of nationalized bank 20. At present there are total 26 Public Sector Banks in India (As on 26-09-2009). Of these 19 are nationalised banks, 6(STATE BANK OF INDORE ALSO MERGED RECENTLY) belong to SBI & associates group and 1 bank (IDBI Bank) is classified as other public sector bank. Welfare is their primary objective.Nationalised banks

Allahabad Bank Andhra Bank Bank Of Baroda Bank Of India Bank Of Maharastra Canara Bank Central Bank Of India Corporation Bank Dena Bank Indian Bank Indian Overseas Bank Oriental Bank Of Commerce Punjab & Sind Bank Punjab National Bank Syndicate Bank UCO Bank Union Bank Of India United Bank Of India Vijaya BankOther Public Sector Banks

IDBI (Industrial Development Bank Of India)Ltd.SBI & its Associates

State Bank of India

State Bank of Hyderabad

State Bank of Mysore

State Bank of Patiala

State Bank of Travancore

State Bank of Bikaner And Jaipur

(State Bank of Saurastra merged with SBI in the year 2008 and State Bank of Indore In 2010)

Private Sector Banks

These banks are owned and run by the private sector. Various banks in the country such as ICICI Bank, HDFC Bank etc. An individual has control over these banks in preparation to the share of the banks held by him.

Private banking in India was practiced since the beginning of banking system in India. The first private bank in India to be set up in Private Sector Banks in India was IndusInd Bank. It is one of the fastest growing Bank Private Sector Banks in India. IDBI ranks the tenth largest development bank in the world as Private Banks in India and has promoted world class institutions in India.

The first Private Bank in India to receive an in principle approval from the Reserve Bank of India was Housing Development Finance Corporation Limited, to set up a bank in the private sector banks in India as part of the RBI's liberalization of the Indian Banking Industry. It was incorporated in August 1994 as HDFC Bank Limited with registered office in Mumbai and commenced operations as Scheduled Commercial Bank in January 1995. ING Vysya, yet another Private Bank of India was incorporated in the year 1930.

Private sector banks have been subdivided into following 2 categories:-

Old Private Sector Banks Bank of Rajasthan Ltd. Catholic Syrian Bank Ltd. City Union Bank Ltd. Dhanalakshmi Bank Ltd. Federal Bank Ltd. ING Vysya Bank Ltd. Jammu and Kashmir Bank Ltd. Karnataka Bank Ltd. Karur Vysya Bank Ltd. Lakshmi Vilas Bank Ltd. Nainital Bank Ltd. Ratnakar Bank Ltd. SBI Commercial and International Bank Ltd. South Indian Bank Ltd. Tamilnad Mercantile Bank Ltd. United Western Bank Ltd.

New Private Sector Banks

Bank of Punjab Ltd. (since merged with Centurian Bank) Centurian Bank of Punjab (since merged with HDFC Bank) Development Credit Bank Ltd. HDFC Bank Ltd. ICICI Bank Ltd. IndusInd Bank Ltd. Kotak Mahindra Bank Ltd. Axis Bank (earlier UTI Bank) Yes Bank Ltd.

Foreign Banks In India:-

ABN AMRO Bank N.V. Abu Dhabi Commercial Bank Ltd American Express Bank Antwerp Diamond Bank Arab Bangladesh Bank Bank International Indonesia Bank of America Bank of Bahrain & Kuwait Bank of Ceylon Bank of Nova Scotia Bank of Tokyo Mitsubishi UFJ Barclays Bank BNP Paribas Calyon Bank ChinaTrust Commercial Bank Citibank DBS Bank Deutsche Bank

HSBC (Hongkong & Shanghai Banking Corporation) JPMorgan Chase Bank Krung Thai Bank Mashreq Bank Mizuho Corporate Bank Oman International Bank Shinhan Bank Socit Gnrale Sonali Bank Standard Chartered Bank State Bank of Mauritius

Cooperative banks in India:-The Cooperative bank is an important constituent of the Indian Financial System, judging by the role assigned to co operative, the expectations the co operative is supposed to fulfil, their number, and the number of offices the cooperative bank operate. Though the co operative movement originated in the West, but the importance of such banks have assumed in India is rarely paralleled anywhere else in the world. The cooperative banks in India plays an important role even today in rural financing. The businessess of cooperative bank in the urban areas also has increased phenomenally in recent years due to the sharp increase in the number of primary co-operative banks. Co operative Banks in India are registered under the Co-operative Societies Act. The cooperative bank is also regulated by the RBI. They are governed by the Banking Regulations Act 1949 and Banking Laws (Co-operative Societies) Act, 1965.

Rural banks in India:-Rural banking in India started since the establishment of banking sector in India. Rural Banks in those days mainly focussed upon the agro sector. Regional rural banks in India penetrated every corner of the country and extended a helping hand in the growth process of the country.SBI has 30 Regional Rural Banks in India known as RRBs. The rural banks of SBI is spread in 13 states extending from Kashmir to Karnataka and Himachal Pradesh to North East. The total number of SBIs Regional Rural Banks in India branches is 2349 (16%). Till date in rural banking in India, there are 14,475 rural banks in the country of which 2126 (91%) are located in remote rural areas. Apart from SBI, there are other few banks which functions for the development of the rural areas in India. Few of them are as follows.

Haryana State Cooperative Apex Bank LimitedThe Haryana State Cooperative Apex Bank Ltd. commonly called as HARCOBANK plays a vital role in rural banking in the economy of Haryana State and has been providing aids and financing farmers, rural artisans, agricultural labourers, entrepreneurs, etc. in the state and giving service to its depositors.

NABARD

National Bank for Agriculture and Rural Development (NABARD) is a development bank in the sector of Regional Rural Banks in India. It provides and regulates credit and gives service for the promotion and development of rural sectors mainly agriculture, small scale industries, cottage and village industries, handicrafts. It also finance rural crafts and other allied rural economic activities to promote integrated rural development. It helps in securing rural prosperity and its connected matters.

Sindhanur Urban Souharda Co-operative Bank

Sindhanur Urban Souharda Co-operative Bank, popularly known as SUCO BANK is the first of its kind in rural banks of India. The impressive story of its inception is interesting and inspiring for all the youth of this country.

INDIAN BANKING INDUSTRYThe Indian banking market is growing at an astonishing rate, with Assets expected to reach US$1 trillion by 2010. An expanding economy, middleclass, and technological innovations are all contributing to this growth.The countrys middle class accounts for over 320 million People. In correlation with the growth of the economy, rising income levels, increased standard of living, and affordability of banking products are promising factors for continued expansion.

The Indian banking Industry is in the middle of an IT revolution, Focusing on the expansion of retail and rural banking. Players are becoming increasingly customer -centric in their approach, which has resulted in innovative methods of offering new banking products and services. Banks are now realizing the importance of being a big playerand are beginning to focus their attention on mergers and acquisitions to take advantage of economies of scale and/or comply with Basel II regulation.Indian banking industry assets are expected to reach US$1 trillion by 2010 and are poised to receive a greater infusion of foreign capital, says Prathima Rajan, analyst in Celent's banking group and author of the report. The banking industry should focus on having a small number of large players that can compete globally rather than having a large number of fragmented players.

Company Profile About UsOur ProfileName : HCBL CO-OP BANK LIMITED

Registered Address : 1st Floor, Sahara India Centre, 2, Kapoorthala Complex, Aliganj, Lucknow-226024

Telefax No. : 0522- 2327560

Call Center No. : 0522-4008888, 1800-1800-900

Help Desk No. : 9839007777

Registered under U.P.Co-Operative societies Act : Reg. No 3528

Licence for commencement of banking from Reserve Bank of India : Licence No UBD U.P.0011P Dated 30.08.2001

VISION To create a model Co-operative bank in a country at par with an International level and equipped with all latest information technology, best customer services and best products.MISSION To obtain the status of Multistate Co-Operative Bank. To Provide unprecedented service to customers through various innovation in customers services so that they truly endorse our punch line-Yeh Bank Zara Kuchh Khaas hai. To Contribute in growth of customer wealth and overall development of countrys economy. To Deliver best returns to our shareholders.

BOARD CONSTITUTION

Shri. Anil Vikram Singh (Chairman)Shri.Nand Lal (Director)Shri. Sadhu Saran (Director)Shri. Sandeep Das Gupta (Director)Shri. S.K.Jain (Director)Shri. Y.N.Saxena (Director)Shri. Ram Sudhar (Co-Opted Director)Smt Pratibha Thukral (Co-opted Director)Smt Leela Singh (Co-opted Director)Smt Mithlesh Khare (Co-opted Director)Shri Pushkal Singh (Co-opted director)Shri D.P.S Rathore (Professional Co-opted Director)Shri K.C Mishra (Professional Co-opted Director)

OUR GROWTHWhat started as a small Co-operative Bank way back in August, 2002 in a small one room office, has today evolved into a respectable Co-operative Bank with a state-of the- art Head Office and a spread of seven branches and two extension counters in and around Lucknow city. Today HCBL Co-operative Bank has made its presence felt in the Banking sector of the region and some of its outstanding features include- a broad base of satisfied customers, state of the art technology, exemplary customer service, unique concept of E-Lobby, ATM sharing, internet banking, Banking mall etc. to name a few.OUR BRANCHESAll our branches are state of art and are equipped with all latest infrastructure and modern facilities. Presently we have nine setups 7(Seven) Branches and 2(Two) Extension counters within Uttar Pradesh.HCBL CO-OPERATIVE BANK LTD- A NEW BRANDAs the Bank completes nine years of its challenging journey and secures a niche in the hearts of thousands of customers, it is gradually establishing itself as a strong brand and has officially adopted its more popular name i.e-HCBL Co-operative Bank Ltd. in place of its old name Hindustan Co-operative Bank Limited. The new name of the Bank has been adopted pursuant to the amendments in its Bye-laws and subsequent approval by the Reserve Bank of India and the Registrar of Co-operative Societies.The following glimpses of our Bank truly reflect the benchmarks set by our Bank in the Banking industry of the region.Good Infrastructure:The first and foremost impression when we go any where is of the ambience and atmosphere. All our branches are of international feel and equipped with good interiors & fully air conditioned. Guest Relationship:Generally one can witness the Guest Relationship Concept in an aviation and hospitality industry. But we have introduced this Guest Relationship Concept in banking. In our bank we have Guest Relationship Officers who look after prompt services and provide best quality hospitality to all our esteemed customer.

E-lobby:All our existing and upcoming Branches are equipped with the concept of E-Lobby which is based in the premise of 24X7 Banking. The Electronic Lobby or E-Lobby is an attempt of our Bank to provide all the essential electronic banking facilities under one roof. Some of the essential characteristics of our E-Lobby includes Automated Teller Machines (ATMs), Coin Dispenser Machine, Cheque Deposit Machine with a scanner to generate automatic receipts, Pass Book Printing machines, Loan Kiosk, Information Kiosk and Net Banking Kiosk. These facilities enable customers to avail of the banking facilities beyond normal business hours, completely in tune with the concept of 24X7 Banking.A glimpse of our E-Lobby Concept at one of our Branches:

Banking Mall:Our Bank has not only restricted its services to core banking but has widened its canopy of services and is providing complete banking solution to its customers in the form of Insurance services, Mutual Fund selling, Pan Allotment, NSC /KVP , Portfolio Management and Tax Consultancy, all under one roof-in the form of Banking Mall. Our Bank has entered into tie-ups with SBI-Life Insurance & Bharti Axa General Insurance and provides a wide range of their products. Thus we aim at providing all the financial solutions to our customers all under one roof.

All branches CBS Solution :All our branches are running at Core Banking Solution thus are enabled to provide Any Where Banking Services to all our esteemed customers. Fully Computersied Branches:All our branches are fully computerized RTGS/NEFT Facility:Through our tie-up we give the RTGS and NEFT facility to our customers by ensuring their fund effect on the same day. Call Centre:The bank is also having its own Call center and Help Line No.9839007777operating 24X7. SMS Banking:Customers can avail facilities like enquiring about their account balance, last three transactions and requests for cheque book facilities through SMS. Internet Banking:Customers can now avail of internet banking facility, as part of which they can avail of the following features:-on-line transactions-check their statements on-line and-transfer money from one account to the other at the click of a mouse. ATM Sharing:We have a tie-up with Bancs network and thus our bank customer can withdraw their money from ATM'S of some major banks like Axis Bank and IDBI Bank.ADVANCE DATA CENTREOur Data Centre is equipped with the latest Blade Server Technology provided by IBM, which provides us the power to manage our banking services, it has in-built capability of clustering of disk and single point of control for management of various servers running in the single chassis. There are various services controlled by our Data Centre like Banking application software, ATM applications, SMS Services, Internet Banking application etc. There are various in-house services that are also running and managed by our data centre to facilitate the employees of our bank like E-Mail services which are managed by e-mail server and personalized data storage facility which is managed by file server.We are also managing web server for running our website with our in data centre through Domain Name Server (DNS). For better security of our banks network we are also managing our own Anti-virus Server in the Data Center.Our Data Center is equipped with latest networking equipments which is powered by CISCO. There are various Switches, Routers and Firewalls which are fully configured and provide us robust network, so that we are able to provide better network access to our end users.

Our state-of- the art Data Centre

FINANCIAL INCLUSION:-An initiative by our Bank:To fulfill the dreams of our Father of the Nation- Mahatma Gandhi which says India lives in her villages and to strengthen the RBIs initiative of Financial Inclusion, our Bank has adopted the Khatwara Village and has newly adopted Chhota Bharwara Village as another step to promote Financial Inclusion in its area of operation. Our Bank does not believe in just becoming a money lender and accepting deposit. We believe in overall development of the weaker section of the society specially women, to make them: Self Motivated Self Sufficient Self EmployedThus, we have taken the overall responsibility of development of living standard, increasing source of income of the family and creating awareness amongst the villagers/weaker section of the society specially women. Keeping the above in mind, our bank has even opened accounts of Bhikshus (beggars) and has taken initiatives to change their lives, making them self sufficient. Several free medical consultation camps by experienced doctors along with free medicine distribution and distribution of tricycles to the physically handicapped villagers have also been organized by our Bank. Our efforts in this direction have been duly recognized and the Financial Inclusion Model of our Bank has also being appreciated by the Honble Governor of Reserve Bank of India.

Banks Financial Inclusion Model being:-Our Bank has also organized various vocational courses and associated Self Help Groups and are arranging various training programmes on self employment avenues viz. Pickle making, stitching, chikankari, papad making, cane work, mithai dabba making, thaila making etc. If the villagers are skilled then we also finance them loans and the credit risk involved is low. Further, we are also arranging selling points for those people so that they get the market for their products and generate revenues. The awareness program for the weaker section of the society, specially women are also conducted by our bank from time to time to teach them the value of money,importance of education, hygiene, family planning, child labour etc. and living standards in near future.Screen Printing vocational classes for the villagersChikankari classes for women

Dabba making classes for the villagersPickle Making classes for the womenfolk

Keeping in mind the financial status of the inhabitants of the village, Bank also offers the facility of opening Savings Account with zero balance. To ensure a bright and safe future for the children living in villages, the Bank offers unique Children Saving Plan Scheme. By depositing a nominal amount in this scheme, on a regular basis, the parents can secure a safe, sound and healthy future for their children in the long run. It is also offering small loans ranging between Rs.500/- to Rs.10,000/- for making villagers self sufficient and self employed. Our bank has also launched theHCBL-Asha Pigmy Deposit Schemewhich is a deposit scheme collecting money of small denominations ofRs.20/- to Rs.5000/-per day through agents, using modern technology of hand held devices.

Villagers depositing money under the Pigmy deposit Scheme of the Bank.

MOBILE ATM:The Mobile ATM Van is an E-Lobby on wheel providing banking facility at your doorstep. It is equipped with machines like ATM, Coin Dispensor, Internet Kiosk etc. to fulfil your banking requirements and provide banking in villages a well as in remote and unbanked areas.

HCBL-ASHRAYWe provide housing loan for residential purpose covering construction, addition, purchase, takeover and renovation of house property, building etc. Finance for purchase of land is only permissible in case the purchase is for residential use and is constructed within one year."HUMARA SAPNA- AAPKO MILE APNE SAPNO KA ASHRAY"

HCBL-CASHHCBL-Cash aims at meeting the short term and medium term credit needs of salaried persons as well as self employed, businessmen and professionals for the following purposes:

1.Pleasure trips(India or abroad)2.Medical treatment3.Wedding/Birthday/any other social/cultural functions.4.Retirement of High cost debts.5.Credit card payment6.Any other unforseen expenditure.

HCBL-CONSUMERThe scheme provides for financing of various consumer durables and utility articles like Two Wheeler, T.V, Refrigerator, Air Conditioner, CD/DVD, Mobile Phone, Washing Machine, Personal Computers, Furnitures etc."HUMARA SAPNA-ZINDAGI KI CHOTI-CHOTI KHUSHIYAN HO AAPKE SAATH."

HCBL-VIDHYAWe provide Education Loan for financing professional courses like- Engineering, Medical, Computers (hardware, software), Agriculture, Veterinary, Craft and designing, Management, Cost Accountant, Chartered Accountant, Company Secretary, Aeronautics, Marine Engineering etc."HUMARA SAPNA-VIDHYA HO HAR VIDHYARTI KA ADHIKAR."

HCBL SERVICES:ATM FACILITYThe Bank also provides you ATM card. The card is operative any where in our Banks' ATM and you can also avail the ATM facility from ATM's of Axis Bank, IDBI Bank, Bank of India, Bank of Behrain & Kuwait, Saraswat co-op. Bank Ltd., Cosmos Co-op. Bank Ltd, Greater Co-op. Bank Ltd., Abhyudaya Co-op. Bank Ltd, Union Bank Ltd, Air Employees Co-op. Bank Ltd, Thana Janta Sahkari Co-op. Bank Ltd, Erankulam Dist. Co-op. Bank Ltd, Dombivili Nagri Sahkari Bank Ltd, Punjab & Maharastra Co-op. Bank Ltd , Shyamrao Vittahal Co-op. Bank Ltd. MOBILE BANKINGWe give you information about your account balance, last three transactions and cheque book request through SMS.For Balance confirmation type hcbbalFor last three-transaction type hcbtxnFor cheque book request type hcbchq

Locker FacilityOur Bank offers away your tension of your important things by using the Locker facility. We are providing you three types of locker facilities according to your need.

LOCKERS:-Locker Rent

(A) Big Cities (Metro & Capital)

Small : ` 750/- per annum.Medium ` 1200/- per annum.Big ` 2500/- per annum.

(B)Small Town (All other Cities except)Small: ` 400/- per annum.Medium ` 700/- per annum.Big ` 1200/- per annum.

(C) Locker Visit Charges` 50/- per visit (if More than four visit in a month)(D) Penalty for Delayed Payment ofSmall ` 100/- up to one year... ` 200/- above one yearMedium ` 150/- up to one year... ` 300/- above one yearBig ` 150/- up to one year... ` 300/- above one yearOther Services NEFT/ RTGS FACILITY An RTGS transaction will be credited to your beneficary's account on the same day, provided your transaction is posted the bank specified business hours.Please note that the minimum amount for an RTGS transaction is ` 2,00,000/-. NEFT transaction will be processed maximum within the next working day depending on the settlement time.There is no minimum transaction amount for NEFT transactions.

LOAN FACILITY :Loan against term deposit is also available up to 90% of amount of deposit and upto 75% amount in case of third party. PREMATURE WITHDRAWL:In case of prematurity you can withdraw money before maturity. Payment of interest will be at 1% less than the card rate applicable at the time of deposit of money. In case of prematurity the senior citizen benefit & defence personnel benefit will not be applicable.

Double Magic Dhamaka1.NOMINATION FACILITY : The Bank gives you nomination facility where you can nominate any person as your nominee by filling nomination details in your account opening form.Nomination form should be filled specification nomination.. 2.MINIMUM DEPOSIT : Rs. 5000/- 3.MAXIMUM DEPOSIT : Rs. 50/- Lacs. 4.PREMATURE CLAUSE : Prematurity will be 1% below the card rates applicable at the time of making such for the period deposit remains with the bank. 5.PAN/GIR : Required for deposit in case the amount exceeds Rs. 50000/- or submit Form 60/61. 6.Nominations form should be filled specifying nomination.

10: Children School Fees DepositHome|Eligibility|Special Features|Documents|Rate Of Interest

A)NOMINATION FACILITY : The Bank gives you nomination facility where you can nominate any person as your nominee by filling nomination details in your account opening form. Nomination form should be filled specifying nomination. B)MINIMUM AMOUNT:-Rs.50000/-C)NO LOCK IN PERIODD)PREMATURITY CLAUSE:1% less than the card rate applicable at the time of making such FDR for the period deposit remains with bank. E)PAN/GIR:Required for deposit in case the amount exceeds Rs.50000/-amount or submit Form 60/61

11: Recurring DepositHome|Eligibility|Special Features|Documents|Rate Of Interest

1.NOMINATION FACILITY :The Bank gives you nomination facility where you can nominate any person as your nominee by filling nomination details in your account opening form. The Passbook at the face will show NOMINATION REGISTERED' to show position regarding the availment of this facility. 2.PASS BOOK : Every customer will be issued Pass Book for Recurring Deposit / RD Lakhpati which will have details of all case of RD Deposits. Standing instruction for debiting account is being accepted in this account 3.MINIMUM AMOUNT : Rs. 100 P.M. In case of RD Lakhpati : You may become Lakhpati ina) 5 Years by paying `1321/- per month in which you can get `1,00,201/-b) 6 Years by paying `1051/- per month in which you can get `1,00,380/- 4.MINIMUM PERIOD : 12 Months 5.MAXIMUM PERIOD : 96 Months 6.PREMATURE WITHDRAWL : Prematured withdrawl is available However if withdrawl before maturity following interest will be applicable :-1. Before 6 Months : No interest is allowed2. After 6 Months: Less 1% interest below the rate applicable for the period the customer has deposited his or her money at the ROI applicable at the time of such deposit at the commencement of such scheme. 6.LATE DEPOSIT OF INSTALMENT :The depositor has to pay the penalty of Rs. 1 per 100 Rs. per month/ monthly for late deposit. 7.PAN/GIR :Required for deposit in case the amount exceeds Rs. 50000/- LOAN FACILITY :Loan against deposit is available at the applicable rates up to 90% of the amount of deposit. The amount due for payment to account holder if equals to Rs.20,000/- shall be payable by cheque or through account only.

12: Pension PlanHome|Eligibility|Rate of Interest|Special Features|Documents|Services1.NOMINATION FACILITY :The Bank gives you nomination facility where you can nominate any person as your nominee by filling nomination details in your account opening form. Nomination form should be filled specifying nomination. 2.MINIMUM AMOUNT : Rs. 50,000 4.MAXIMUM PERIOD : 10 years (No lock in period)5.PREMATURE WITHDRAWL : Prematured withdrawl is available However if withdrawl before maturity following interest will be applicable :-1. Before 6 Months : No interest is allowed2. After 6 Months: Less 1% interest below the rate applicable for the period the customer has deposited his or her money at the ROI applicable at the time of such deposit at the commencement of such scheme. 6.LATE DEPOSIT OF INSTALMENT :The depositor has to pay the penalty of Rs. 1 per 100 Rs. per month/ monthly for late deposit. 7.PAN/GIR :Required for deposit in case the amount exceeds Rs. 50000/- or submit Form 60/61

ORGANISATION CHART

OBJECTIVE OF THE STUDY To analyze the financials of HCBL using internationally accepted norms of financial analysis To identify good investment opportunities in HCBL Bank To know about the company as a whole To find out the products offered by HCBL Bank

Investments in shares can be a very risky business. However the risk can be minimized by a proper analysis before taking an investment decision. The project attempts to perform such an analysis for the banking industry adopting the internationally accepted norms of investment analysis.The ultimate function of all economic activities is to produce goods and services to be consumed by the households. The aggregate demand from the household sector is influenced by the level of disposable income and its distribution.

RESEARCH METHODOLOGY

The procedure adopted for conducting the research requires a lot of attention as it has direct bearing on accuracy, reliability and adequacy of results obtained. It is due to this reason that research methodology, which we used at the time of conducting the research, needs to be elaborated upon. It may be understood as a science of studying how research is done scientifically. So, the research methodology not only talks about the research methods but also considers the logic behind the method used in the context of the research study. Research Methodology is a way to systematically study and solve the research problems. If a researcher wants to claim his study as a good study, he must clearly state the methodology adapted in conducting the research the research so that it way be judged by the reader whether the methodology of work done is sound or not.

The Research Methodology here includes:-

Objective of study Meaning of Research. Research Problem. Research Design. Data Collection method. Analysis and interpretation of Data Limitation of study

IMPORTANCE OF THE STUDY

By BANKING OPERATION IN HCBL Bank we would be able to get a fair picture of the financial position of HCBL Bank. By showing the financial performance to various lenders and creditors it is possible to get credit in easy terms if good financial condition is maintained in the company with assets outweighing the liabilities. Protecting the property of the business. Compliances with legal requirement.

Meaning of Research:

Research is defined as a scientific and systematic search for pertinent information on a specific topic. Research is an art of scientific investigation. Research is a systematized effort to gain now knowledge. It is a careful investigation or inquiry especially through search for new facts in any branch of knowledge. Research is an academic activity and this term should be used in a technical sense. Research comprises defining and redefining problems, formulating hypothesis or suggested solutions. Making deductions and reaching conclusions to determine whether they if the formulating hypothesis. Research is thus, an original contribution to the existing stock of knowledge making for its advancement. The search for knowledge through objective and systematic method of finding solutions to a problem is research.

Research Problem

The first step while conducting research is careful definition of Research Problem. To ERR IS THE HUMAN is a proverb which indicates that no one is perfect in this world. Every researcher has to face many problems which conducting any research thats why problem statement is defined to know which type of problems a researcher has to face while conducting any study. It is said that,Problem well defined is problem half solved.Basically, a problem statement refers to some difficulty, which researcher experiences in the context of either a theoretical or practical situation and wants to obtain the solution for the same.The problem statement here is:-TO MAKE A BANKING OPERATION IN HCBL Bank.Research DesignA research designs is the arrangement of conditions for collection and analysis data in a manner that aims to combine relevance to the research purpose with economy in procedure. Research Design is the conceptual structure with in which research in conducted. It constitutes the blueprint for the collection measurement and analysis of data. Research Design includes and outline of what the researcher will do form writing the hypothesis and it operational implication to the final analysis of data. A research design is a framework for the study and is used as guide in collection and analyzing the data. It is a strategy specifying which approach will be used for gathering and analyzing the data. It also include the time and cost budget since most studies are done under these two cost budget since most studies are done under theses tow constraints. The design is such studies must be rigid and not flexible and most focus attention on the following:-

What is the study about? Why is the study being made? Where will the study be carried out? What type of data is required? Where can be required data be found? What period of time will the study include? What will be sample design? What techniques of data collection will be used? How will the data be analyzed? In what style will the report be prepared?

TYPES OF RESEARCH DESIGN : EXPERIMENTAL RESEARCH DESIGN EXPLORATORY RESEARCH DESIGN DESCRIPTIVE& DIAGNOSTIC RESEARCH

Exploratory Research Design: This research design is preferred when researcher has a vague idea about the problem the researcher has to explore the subject.

Experimental Research Design : The research design is used to provide a strong basis for the existence of casual relationship between two or more variables.

Descriptive Research Design: It seeks to determine the answers to who, what, where, when and how questions. It is based on some previous understanding of the matter.

Diagnostic Research Design: It determines the frequency with which something occurs or its association with something else.

RESEARCH DESIGN USED IN THE STUDY:Descriptive research design is used in this study because it will ensure the minimization of bias and maximization of reliability of data collected. Descriptive study is based on some previous understanding of the topic. Research has got a very specific objective and clear cut data requirements The researcher had to use fact and information already available through financial statements of earlier years and analyse these to make critical evaluation of the available material. Hence by making the type of the research conducted to be both Descriptive and Analytical in nature. From the study, the type of data to be collected and the procedure to be used for this purpose were decided.

Data Collection MethodThe process of data collection begins after a research problem has been defined and research design ahs been chalked out. There are two types of data PRIMARY DATA -It is first hand data, which is collected by researcher itself. Primary data is collected by various approaches so as to get a precise, accurate, realistic and relevant data. The main tool in gathering primary data was investigation and observation. It was achieved by a direct approach and observation from the officials of the company.

SECONDARY DATA - it is the data which is already collected by someone else. Researcher has to analyze the data and interprets the results. It has always been important for the completion of any report. It provides reliable, suitable, adequate and specific knowledge.SAMPLE AREA: LUCKNOWSAMPLE SIZE: 50 RESPONDENTS

TYPE OF DATA USED IN THE STUDYThe required data for the study are basically secondary in nature and the data arecollected from

The audited reports of the company. INTERNET which includes required financial data collected form HCBL Bank. official website i.e www.hcblbank.com and some other websites on the internet for the purpose of getting all the required financial data of the bank and to get detailed knowledge about HCBL Bank. for the convenience of study. Brouchers of HCBL Bank. The valuable cooperation extended by staff members and the branch manager of HCBL bank, contributed a lot to fulfill the requirements in the collection of data in order to complete the project.

Methods of data analysisThe data collected were edited, classified and tabulated for analysis. The analytical tools used in this study are:

ANALYTICAL TOOLS APPLIED:The study employs the following analytical tools:1. Comparative statement.2. Trend Percentage.3. Ratio Analysis.4. Cash Flow Statement.

LIMITATIONS OF STUDY Difficulty in data collection. Limited knowledge about the bank in the initial stages. Branch manager was reluctant for giving financial data of the bank. The analysis and interpretation are based on secondary data contained in the published annual reports of HCBL Bank for the study period. Ratio itself will not completely show the companys good or bad financial position. Inter firm comparison was not possible due to the non availability of competitors data. The study of financial performance can be only a means to know about the financial condition of the company and cannot show a through picture of the activities of the company.

DATA ANALYSIS AND INTERPRETATION1. Do you have account

Respondents Percentage (%)

Yes 4080 %

No1020%

INTERPRETATION

80% of Respondents have account with HCBL Bank at Lucknow city. 20% of Respondents dont have account with HCBL Bank at Lucknow city.

2. Do you heard about the HCBL Bank?

Respondents Percentage (%)

Yes 510 %

No4590%

INTERPRETATION

Only 10% of Respondents have heard about the HCBL Bank situated at Lucknow city. And 90% of Respondents dont heard about the HCBL Bank situated at Lucknow city.

3. Do you award about the various products and services provided by the HCBL?

Respondents Percentage (%)

Yes 1020 %

No4080%

INTERPRETATION

80% of Respondents have not award about the various products and services provided by the HCBL 20% of Respondents heard about the HCBL Bank situated at Lucknow city.

4. If yes, then mention

Only (10 Respondents )Respondents Percentage (%)

Saving A/c550%

Current A/c330%

FDRH110%

RD110%

INTERPRETATION

Only 10% of respondent there are only 50% are interested in Saving bank Account and 30% in current Account and 10% each in FDRH & RD

5. Which product you are using?

Respondents Percentage (%)

Saving A/c2550%

Current A/c1530%

FDRH1010%

RD1010%

INTERPRETATION

Only 10% of respondent there are only 50% are interested in Saving bank Account and 30% in current Account and 10% each in FDRH & RD

6. Why are you interested in using HCBL bank products?

Respondents Percentage (%)

Profit 440%

Interest Rate 330%

Trust 110%

Customer Dealing110%

Services 110%

INTERPRETATION

40% of Respondents are interested in opening of account for profit 30% of Respondents are interested in opening of account for interest 10% of Respondents are interested in opening of account for Trust , Customer Dealing and service purpose

7. What kind of services HCBL bank is provided.

Respondents Percentage (%)

ATM 550%

Internet Banking330%

Mobile ATM220%

Locker--

INTERPRETATION

50% of Respondents are using ATM services is provided by HCBL. 30% of Respondents are using Interent Banking services is provided by HCBL 20% of Respondents are using Mobile ATM services is provided by HCBL None of Respondents are using Locker services is provided by HCBL

8. Are you satisfied with the products and services.

Percentage (%)

Yes 40%

No60%

INTERPRETATION

40% of Respondents have satisfied with the products and services. 60% of Respondents have not satisfied with the products and services.

SWOT Analysis Strengths

ING as one on the biggest financial MNC. 7th in 500 fortune Only foreign bank which has acquired an Indian private bank (Vysya Bank) Higher rate of interest than other private banks Most of the financial plans are legalized under 80(ccc) Top notch customer care and staff behavior

Weakness

Very few branches Less variety of financial/banking products Location

Opportunities

New segment of doctors, students and CAs as they like innovation in their financial needs and like to enjoy the services. High class (upper strata) population of city Increase in different kind of financial products NGO and Public Relations

Threats

Presence of two top private banking players in the market (ICICI & HDFC) Large market share already capturedNon willingness of Lucknow citizens to change for something new, or to try innovation in their banking.RECOMMENDATIONAs we have defined the main problem is acquisition and retention of their customers. So Bank has to find out the solution of this problem. Bank has to pay more attention towards their customer who are quitting from the Bank. So Bank has to reduce the churn rate. 1. HCBL bank should open new branches in rural areas.2. Extra charges should reduce. 3. Staff should be more co-operative than before.4. They should emphasize on selling their other products like fixed deposit, insurance policy to their customers.

CONCLUSIONOn the basis of various techniques applied for the financial analysis of HCBL Bank. we can arrive at a conclusion that the financial position and overall performance of the bank is satisfactory. Though the income of the bank has increased over the period but not in the same pace as of expenses. But the bank has succeeded in maintaining a reasonable profitability position.The bank has succeeded in increasing its share capital also which has increased around 50% in the last 5 years. Individuals are the major shareholders. The major achievement of the bank has been a tremendous increase in its deposits, which has always been its main objective. Fixed and current deposits have also shown an increasing trend.Equity shareholders are also enjoying an increasing trend in the return on their capital. Though current assets and liabilities (current liquidity) of the bank is not so satisfactory but bank has succeeded in maintaining a stable solvency position over the years. As far as the ratio of external and internal equity is concerned, it is clear that bank has been using more amount of external equity in the form of loans and borrowings than owners equity. Banks investments are also showing an increasing trend. Due to increase in advances, the interest received by the bank from such advances is proving to be the major source of income for the bank.

BIBLIOGRAPHYBooks1.Bhalla V.K., Investment management security analysis and portfolio management, 8th Ed., New Delhi, S. Chand and company Ltd., Ramnagar.2.Fisher E. Donald, Jordan J. Ronald, security analysis and portfolio management, 6th Ed., New Delhi, Prentice hall of India Pvt. Ltd.3.Kothari, C.R., Research Methodology, 2nd Ed., New Delhi, Wishwa Prakashan, A Division of New Age, International Private Limited.4.Pandian Punithaveathy, security analysis and portfolio management, 1st Ed., New Delhi, Vikas Publishing House Pvt. Ltd.5.Singh Preeti, Investment Management, Security and portfolio management, 9th revised Ed., Mumbai, Himalya Publishing House.

Magazines / Newspaper Business World Business Today Global Market Scenario The Times of India Hindustan Times Economics TimesWebsites www.investmentbank.com www.invbankers.com google.com

QUESTIONNAIRENameDesignation..

1. Do you have account(a)Yes (b) No

2. Have you heard about the HCBL Bank?(a)Yes (b) No

3. Do you award about the various products and services provided by the HCBL?(a)Yes (b) No

4. If yes, then mention (a)Savings A/c(b)Current A/c(c)FDRH(d)RD

5. Which product are you using?(a)Saving A/c(b)Current A/c(c)FDRH(d)RD

6. Why are you interested in using HCBL bank products?(a)Profit (b)Interest Rate (c)Trust (d)Customer Dealing(e)Services

7. What kind of services HCBL bank is providing?(a)ATM (b)Internet Banking(c)Mobile ATM(d)Locker

8. Are you satisfied with the products and services?

(a)Yes (b) No

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