People's Bank

REPORT ONREPORT ON

Submitted ToSubmitted To :: - :: - SURASHTRA

UNIVERSITY

Prepared ByPrepared By :: -:: - SHINGALA

ANKIT L. (S.Y. B.B.A)

Roll No.Roll No. :: - :: - 28

Academic YearAcademic Year :: - :: - 2006-2007

GuidanceGuidance :: - :: - MR. NIRAJ PANDYA

CollegeCollege :: - :: - R.P.BHALODIA

COLLEGE,

RAJKOT.

( 1 )

PREFACEThe Objective Practical at T.Y.B.B.A. level to develop

prospective about the company and the functioning or the following

areas of management.

As per our syllabus of the Saurashtra University in B.B.A.

course and industrial visit in T.Y.B.B.A. course at practical study or

practical training is lot of important for a management student not only

the theoretical knowledge and class discussion is not enough but

knowledge at various levels of business unit necessary for every

student industrial visit place an important role to get the practical view

point of students and also making them aware about the problems

opportunity and situation all industrial unit.

(Sign. Of Student) (Sign. Of Student)

SHINGALA ANKIT L.SHINGALA ANKIT L.

PlacePlace :: - RAJKOT :: - RAJKOT

Date Date :: - :: - / /06

( 2 )

ACKNOWLEDGEMENT

The preparation of the report is my own work, but I have taken

help from many persons. I am thankful to all those persons who helped

me in my project report.

I express my deepest of gratitude the manager of “Rajkot

People’s Co-Operative Bank Ltd.” Mr. R.B. PANDYA (MANAGER),

ASHOKBHAI RAMANI and other members who have provided me all

the necessary information.

For the final preparation I received expert guidance of my

project guide Mr. NIRAJ PANDYA., without his guidance,

encouragement and enthusiasm. It was difficult to bring this report to its

present form.

I would be failing my duty if I will not mention thanks to family

members, relatives and friends to helping me throughout.




Date Date :: - :: - / /06

( 3 )

DECLARATION

I, the undersigned ANKIT SHINGALA a student of S.Y.B.B.A.

from the SHREE R.P.BHALODIA COLLEGE of Commerce & Business

management & Computer studies, declare that this project report is

prepared by me. I had taken a help of my college and professor for the

purpose of guidance only and to add that, myself prepare this report.




Date Date :: - :: - / /06

( 4 )

Sr.Sr.

No.No.CONTENTSCONTENTS

PagePage

No.No.

1.1. General InformationGeneral Information 77

2.2.

3.3.

4.4.

5.5.

6.6.

7.7.

8.8. Conclusion & SuggestionConclusion & Suggestion 7474

9.9. BibliographyBibliography 7676

( 5 )

CONTENTCONTENT

SR.NO. PARTICULARS PAGE NO.

1. Baking Sector In India 9

2. General Information Of

Bank

10

3. Objectives of bank 12

4. Policies of bank 13

5. Board of directors 14

( 7 )

BANKING SECTOR IN INDIABANKING SECTOR IN INDIA

The Co operative banks in India started functioning almost 100

years ago. 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 fulfill, 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 play an important role even

today in rural financing. The businesses of cooperative bank in the

urban areas also have 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.

Some Facts About Cooperative Banks In IndiaSome Facts About Cooperative Banks In India ::::

--

Some cooperative banks in India are more forward

than many of the state and private sector banks.

This exponential growth of Co operative Banks in

India is attributed mainly to their much better local reach,

personal interaction with customers, and their ability to catch the

nerve of the local clientele.

( 8 )

GENERAL INFORMATION OF GENERAL INFORMATION OF

BANKBANK

The name of this bank is Rajkot People’s Co-Operative Bank Ltd.

The audit class of the bank is “A”

The year of establishment of the Bank is 1998.

The register number of this bank is 29673-1997

The banking RBI license No. of this bank is UBD/GUJ/1497P

The Chairman\M.D. of this bank is Shree Shamjibhai Khoont.

The Chartered Accountant of this bank is P.T. Mankadia(C.A.)

Concurred auditor of this bank is Sanjay H. khakkhar

Accounting year of this bank is 1st April to 31st March

The head office of this bank is in RAJKOT.

The registered office of this bank is in RAJKOT.

Rajkot People’s Co-Operative Bank Ltd.

“Sabhasad Bhavan”,

1-Manhar Plot,Gondal Raod,

Rajkot – 360 002.

Ph. :( 0281) 2480942-43-44

Fax : 0281-2480945

( 9 )

There are 5 branches in the Rajkot of this bank.

Accounting year of this bank is 1st April to 31st March

Working hour of this bank is 10:00 A.M. to 5:30 P.M

Off Day - Sunday & approved by negotiable act

The E- mail I.D. of the bank is info@[email protected].

( 10 )

mailto:info@[email protected]

OBJECTIVES OF BANKOBJECTIVES OF BANK

Accumulate deposit to the tune of Rs. 100 crores.

Disburse advances to the tune of Rs. 65 crores.

Achieve net profits to the tune of Rs. 100 laces.

Acquires business per employee for Rs. 200 laces for the year.

Reduce cost of deposit to 7%

Bring customers satisfaction to 100%

Reduce customers complains to 100%

Educate customers to bring banking awareness.

Train staff to become more effective.

Update present software.

( 11 )

POLICIES OF BANKPOLICIES OF BANK

Bank is committed to achieving the customers’ satisfaction

through

1) Providing best services as per norms.

2) Enhancing organization’s image and reputation for quality.

3) Continuously improving service quality.

This commitment is met through nurturing quality culture in the

organization and the by constant adherence to laid down quality

management system.

BANK’S AREA OF OPERATIONBANK’S AREA OF OPERATION

“Rajkot People’s Co-Operative Bank Ltd.” operates through 5

branches including main branch. This bank has expanded its area of

operations to Jamnagar and Junagadh district, over and above Rajkot

region. This bank has geared up all its procedures to open its branches

in these districts.

( 12 )

BOARD OF DIRECTORSBOARD OF DIRECTORS

CHAIRMAN\M.D. :: - Shree Shamjibhai Khoont

VICE CHAIRMAN :: - Shree Bhikhalal Kamani

DIRECTOR :: - Shree Meghjibhai Virani

DIRECTOR :: - Shree Parsottambhai Patel

DIRECTOR :: - Shree Gordhanbhai Shingala

DIRECTOR :: - Shree Sureshbhai Kamani

DIRECTOR :: - Shree Premchandbhai

Agarwal

DIRECTOR :: - Shree Vallabhbhai Vadalia

DIRECTOR :: - Smt. Bhagvatiben Khoont

DIRECTOR :: - Smt. Meenaben Vaghela

DIRECTOR :: - Shree Harikrishnabhai Ghadia

DIRECTOR :: - Shree Prafulbhai Patel

DIRECTOR :: - Shree Veljibhai Pipalia

GENERAL MANAGER :: - Shree Jagdihbhai Busa

( 13 )

( 14 )

SHARE CAPITAL

124147

178216

0

50

100

150

200

250

2002 2003 2004 2005

YEAR

AM

OU

NT

(lac

s)

DEPOSITS

5000

68008300 8800

0

2000

4000

6000

8000

10000

2002 2003 2004 2005

YEAR

AM

OU

NT

(lac

s)

( 15 )

ADVANCES

31003800

4500

6300

01000200030004000500060007000

2002 2003 2004 2005

YEAR

AM

OU

NT

(lac

s)

NET PROFIT

85 87 90 92

0

25

50

75

2002 2003 2004 2005

YEAR

AM

OU

NT

(lac

s)

( 16 )

( 17 )

CONTENTCONTENT


1. Introduction 20

2. General Meeting 21

3. Qualification Of Directors 22

4. Time Keeping System 23

5. Selection & Recruitment 24

6. Promotion & Transfer 27

7. Performance Appraisal 28

8. Personal Record 29

9. Remuneration 30

10. Training & Seminars 31

11. Organization Chart 32

INTRODUCTIONINTRODUCTION

( 18 )

The internal department structure of personnel department

varies widely from one company to another; the personnel department

has to function as a medium to establish healthy relationship between

the management and the employee. Organization is formed by the

factor of production namely land, labours, money etc. Middle level

management and labourers is the living factor with the sense of feeling.

“Personnel management is the planning, organizing, direction,

controlling of the procurement, development, compensation, integration

and malignance of people of the purpose of contribution to

organization, individual and social goal.”

- EDWARD FLIPPO

Personnel management is the direction and co-ordinate of

Human Relations in the business organization, thereby obtaining

maximum production with minimum of physical and mantel effort,

stress and strain on the individual worker and group of workers and

without sacrificing the genius well being of the employees.

Now a day, proper direction to achieve the goal is carried out by

a separate department that is personnel,” Personnel management is

the planning, organizing, directing and controlling of procurement

development, compensation, integration and maintenance of people for

the purpose to contribution, to organization, individual and social

goals.” Personnel department is concerned with training and

development of employees and providing them proper wage and

salary.

( 19 )

GENERAL MEETINGGENERAL MEETING

After the financial year within three months annual general

meeting has been decided. All the member of bank staff, board of

directors is invited to attend the meeting. Generally the entire general

meeting can be of annual general meeting and special general meeting

two types in all kinds of organization.

1. The agenda of the meeting was to note the audited

accounts of bank, and audit report on 31st March,

2. The loonies who could not paid their loan; they can get

the advantages of one time settlement scheme to their sanction

application. The time period is not fixed given to loonies but it is

decided in the general meeting.

3. Small loan holders who are enable to repay their loan

amount as a relief to close their account from bad and doubtful

debts reserve to discuss the suggestion by members &

chairman of the bank.

( 20 )

QUALIFICATION OF DIRECTORSQUALIFICATION OF DIRECTORS

As we know that the directors are the most important part for

any kind of organization, for be the director of any organization, the

person should have some certain qualification.

1) The member who have at least the balance of Rs.2000 in the

bank at the 31st march, so he can be the director of the bank

according to the law of bank.

2) The person who have a membership of bank of 24 months

before the date of election.

3) The age of the person should be above18 years.

4) He should not be the creditor of any kind of organization.

AUTHORITY OF MANAGING DIRECTORAUTHORITY OF MANAGING DIRECTOR

1) To appoint the managers and secretary.

2) To decide the salaries and bonus of particular employee.

3) To do punishment if any mistake done by the employees and to

see the proper way of work to them.

4) To here complains and understand the problems and make the

way clear of work by avoiding these kinds of restrictions.

( 21 )

TIME KEEPING SYSTEMTIME KEEPING SYSTEM

“Time & tide waits for none” is the famous saying, keeping

this view in mind a unit has to develop an efficient time keeping

system. There are various benefits that a firm is able to avail only

because of discipline in time management system. To get these

benefits that affect the system of time keeping like production capacity,

demand for products etc. After studding all these factors time schedule

are adjusted.

Time keeping system is important for the businessman and

employers. This system can also be used to improve employee

relation. People’s bank’s working hour is 10 a.m. to 5.30 p.m. The

employees of this company enjoy one holiday in a week that is Sunday

and holiday which is approved by negotiable act.

( 22 )

SELECTION & RECRUITMENTSELECTION & RECRUITMENT

SELECTIONSELECTION :: - :: -

Selection means the procedure of selection in terms of best

person and all with required qualification. This process is negative by

nature because it selects only suitable persons and rejects the other

applied.

According to Yoder, “the hiring process is of one or many ‘go,

no-go’ gauges. Candidates are screened by the application of these

tools. Qualified applications go on to the net hurdle, while the

unqualified are eliminated.”

“Rajkot People’s Co-Operative Bank Ltd.” gives advertisement in

the magazines and receives applications. From that application

interview is taken, and then the person is selected in interview. Finally

salary is decided as per the qualification and ability for job.

SELECTION PROCESSSELECTION PROCESS :: -:: -

Selection is a process by which the qualified personnel can be

chosen from the application selection is process in the hand of

management to get qualify and disqualify applicant by various

methods. This process is as follow :: -

Interviews

Primary selection

Final selection

Placement

( 23 )

RECRUITMENTRECRUITMENT :: - :: -

“Recruitment is the process of identifying various sources of

recruitment persons in the organization. It is the process of searching

and encouraging them to apply for jobs in organization”. Recruitment

has been regarded as the important function of this department.

Recruitment has been regarded as the most important function

of personnel administration, because unless right the type of people

are hired, even the best plans, organization charts and control system

would not do much good. According to Flippo,” it is a process of

searching for prospective employees and stimulating and encouraging

them to apply for jobs in an organization. It is often termed positive in

that it stimulates people to apply for jobs to increase the ‘hiring ratio’

i.e., the number of applicants for a job. Selection, on the other hand

tends to be negative because it rejects a good member of those who

apply, leaving only the best to be hired.”

“Rajkot People’s Co-Operative Bank Ltd.” uses both internal and

external sources of recruitment. When any employee having

qualification, ability and experience works in the unit at lower level and

if the place is vacant, the place is filled by promotion.

( 24 )

RECRUITMENT POLICYRECRUITMENT POLICY

According to Yoder,” the recruitment policy is concerned with

quantity and qualifications of manpower.” A good recruitment policy

must contain these elements:

a) Organization’s objectives – both in the short term and long term

must be taken into consideration as a basil parameter for

recruitment decisions and needs of he personnel – area wise,

job – family - wise.

b) Identification of the recruitment needs to take decisions

regarding the balance of the qualitative dimensions of the would

be recruits i.e., the recruiters should prepare profiles for each

category of workers and accordingly work out the man

specifications, decide the sections, departments or branches

where they should be placed and identify the particular

responsibilities which may be immediately assigned them.

c) Preferred sources of recruitment, which would be tapped by the

organization e.g., for skilled or semi-skilled manual workers,

internal sources and employment exchanges may be preferred;

for highly specialized categories and managerial personnel,

other sources besides the former, may be utilized.

d) Criteria of selection and preferences: these should be based on

conscious thought and serious deliberations. In some cases

trade unions may be consulted in working out the recruitment

policy. In others, management may take the unilateral decision.

e) The cost of recruitment and financial implications of the same.

( 25 )

PROMOTION & TRANSFERPROMOTION & TRANSFER

PROMOTIONPROMOTION :: -:: -

Promotion may be defined as, “upward of an employee in an

organization, which commands better wages, better status, higher

responsibility & authority etc. In short a promotion is the transfer of an

employee to a job, which pays more money or one that carries out

some preferred status.”

Promotion may be given on the basis of seniority, merits on the

basis of seniority, but here promotion is given on the basis of ability,

performance, capability, merits and qualification.

Rajkot People’s Co-Operative Bank Ltd. does not promote its

employees on the basis of seniority, but promotion is given on the

basis of ability, performance, capability, merits and qualification.

TRANSFERTRANSFER :: -:: -

“Transfer is a horizontal moment of employees from one

selected job, department to another place where the salary, status and

responsibility are remaining same”.

In “Rajkot People’s Co-Operative Bank Ltd.” employees are

transferred from one department to another and from one position to

another.

( 26 )

PERFORMANCE APPRAISALPERFORMANCE APPRAISAL

For personnel management a performance appraisal is an

important tool. Performance appraisal means person’s performance in

the company.

Ones the employee has been selected trained and motivated,

he is then appraised for his performance. Performance appraisal is the

step where the management finds out how effective it has been at

hiring and placing employee. A performance appraisal consists of

evaluating an employee’s performance of a job in terms of a job in

terms of its recruitment.

“Rajkot people’s Bank” consider its employees as it’s most

valuable and therefore it believes in perfect and accurate performance

appraisal system. They believe that employees’ efficiency, productivity

and great performance is a ladder to success. “Rajkot people’s Bank”

has an efficient performance appraisal system for evaluating their

employees’ performance.

( 27 )

PERSONAL RECORDPERSONAL RECORD

In personal record, compete up to date information is maintained

about employees. Every unit have record book for employees in which

record information about employ, leave, promotion, punished men etc.

“Rajkot People’s Co-Operative Bank Ltd.” has record books of

employees. These record books are as follow.

Attendance register

Salary-wages register

Provident fund register

Casual leave register

Bonus register

Others

SOCIAL RESPONSIBILITIESSOCIAL RESPONSIBILITIES

“Rajkot People’s Co-Operative Bank Ltd.” has remained ahead

in fulfilling social responsibilities. “Rajkot People’s Co-Operative Bank

Ltd.” has always remained active for maintaining good health of the

people of the society, by sponsoring “Sharir Santulan Shibirs” and “Yog

Shibirs”. Taking into consideration various benefits availed by

participants of such programs, we are successfully organizing such

programs every year.

( 28 )

REMUNERATIONREMUNERATION

Remuneration’s main purpose is to maintain equitable

remuneration structure. It is the duty of the firm to pay proper, relative

and reasonable amount to the worker for their service.

“Rajkot People’s Co-Operative Bank Ltd.” is under consideration

follow the time wages (remuneration). This is oldest & most common

method of wages (remuneration). Under this system workers are paid

according to the work done during certain period. Like hour, par day,

weekly, monthly or any fixed period of time.

“Rajkot People’s Co-Operative Bank Ltd.” pays salary

(remuneration) their worker on monthly basis.

( 29 )

TRAINING & SEMINARSTRAINING & SEMINARS

Training is the organized procedures by which people acquire

knowledge for a benefit. It is the act of increasing the knowledge and

skill of workers for doing a certain job.

As the trained labours are considered the valuable assets to the

organization training is considered as a vital part of managerial control.

By arranging training programs and seminars “Rajkot People’s

Co-Operative Bank Ltd.” is trying its best to improve the banking skill of

the staff, thereby bring momentum in the bank’s work. And for this,

continuous training is being given to the staff within the premises as

well as deputing them to other institution on regular basis. The

Chairman, Vice-Chairman and Members of the Board of Directors are

also taking part various seminars and thereby get acquainted with

various pros and cons of co-operative banking arena.

Thus, good training is provided to the employees who become

more effective and productive after this process.

( 30 )

ORGANIZATION CHARTORGANIZATION CHART

MAIN BRANCH

MANAGING DIRECTOR

( 31 )

GENERAL MANAGER

MANAGER

DEPUTY MANAGER

ASSISTANT MANAGER

CLARK

PEON

OTHER BRANCHES

MANAGER

ASSISTANT MANAGER

CLARK

PEON

CHAIRMAN

VICE CHAIRMAN

( 32 )

CONTENTCONTENT


1. Introduction 35

2. Deposits 37

3. Loans 40

4. Other Services 46

5. Process Of Granting Loan 47

6. Recovery Of Loan 49

( 33 )


With years, banks are also adding services to their customers.

The Indian banking industry is passing through a phase of customers

market. The customers have more choices in choosing their banks. A

competition has been established within the banks operating in India.

With stiff competition and advancement of technology, the

services provided by banks have become more easy and convenient.

The past days are witness to an hour wait before withdrawing cash

from accounts or cheques from north of the country being cleared in

one month in the south.

This section of banking deals with the latest discovery in the

banking instruments along with the polished version of their old

systems.

Banks in India with the way of development have become easy

to apply in loan market. Generally, Loan against Shares, Personal

Loan, Home Loan, etc, Loans is given by almost all the banks in the

country:

( 34 )

SERVICES AT A BANKSERVICES AT A BANK

DEPOSITSDEPOSITS :: -:: -

Current deposits (account)

Fixed deposits (account)

Saving deposits (account)

LOANSLOANS :: -:: -

a)a) Term LoansTerm Loans :: - :: - b) b) Cash CreditCash Credit :: - :: -

Housing loan Loan to Small Scale

Industry

Business loan Others

Vehicle loan

Personal loan

Professional loan

Loan against NSC\KVP\LIC

OTHER SERVICESOTHER SERVICES :: - :: -

In other services, bank provides following services,

Locker system

Demand draft

( 35 )

DEPOSITSDEPOSITS

1)1) CURRENT DEPOSIT (ACCOUNT)CURRENT DEPOSIT (ACCOUNT) :: -:: -

While opening this account person or who so ever is going to

open this type of account, he has to make the regular transactions with

this account. Generally, this type of account can be opened by

businessmen, companies, industrialist, and common men etc, who

have working capital in his hand and interested to keep his money

safe. Mostly the businessmen open this type of account because they

have to receive and make payments through cheques many times in a

day.

Required Documents To Open CurrentRequired Documents To Open Current

AccountAccount :: - :: -

A.A. For partnership firm B. For

proprietorship firm

All partners’ photos. All

partners’ photos.

Copy of partnership deed. P.A.N

card Copy of firm.

P.A.N card Copy of firm. Proof of

existing of firm.

Registration copy (If). Copy

of S.T & C.S.T no. (If).

Proof of existing of firm. Proof of all

partners’ address.

( 36 )

Proof of all partners’ address.

A person has to deposit minimum Rs. 3000 in current account.

Bank takes Rs. 300 service charge at the end of the year. If a person

wants to close his current account, bank charge Rs.50 (if a person

having cheques book) and bank will charge Rs. 25(if person is not

having cheques book).

2)2) SAVING DEPOSIT (ACCOUNT)SAVING DEPOSIT (ACCOUNT) :: - :: -

It is an ideal account for those who have sufficient money to

save. Generally, common men who save money from his salary and he

deposits in to bank for saving purpose. Saving account is the best way

and when ever need of money occur he can get or withdraw money

from his saving account.

If a person wants to open his saving account with a bank, he

has to fill up a firm of the banks saving account, he has to give required

documents such as photo, address proof, license or election card as

identity etc, and he has to deposit minimum Rs. 1,000. If a person

wants a new cheques book, bank charges Rs, 50 for every cheques

book. While closing a saving account, a person has to surrender all

documents which have already been given by a bank like, cheques

book, pass book, etc.

Rate on saving account is 3.5%.

( 37 )

3)3) FIXED DEPOSIT (ACCOUNT)FIXED DEPOSIT (ACCOUNT) :: - :: -

A person who has spares money for a particular period of time

and he wants to get it as double so for him fixed account is a best way

to deposit money. In this account he has to deposit his money for a

specific period of time and as a reward he can get double amount after

completion of time. If a person wants to open his fixed account with a

bank, he has to fill up a firm of the banks fixed account, he has to give

required documents such as photo, address proof, license or election

card as identity etc, and he has to deposit minimum Rs. 1,000. While

closing a saving account, a person has to surrender all documents

which have already been given by a bank. A person can get double at

109 months.

RATES ON FIXED DEPOSITSRATES ON FIXED DEPOSITS

30 days to 45 days :: - 3.5%

46 days to 90 days :: - 5%

91 days to 179 days :: - 6%

180 days to 1 year :: - 7%

1 year to 2 years :: - 7.5%

2 year to 5 years :: - 8%

Above 5 years :: - 7.75%

Rate on senior citizenship above 6 months :: - 0.5%

( 38 )

LOANSLOANS

A)A) TERM LOANSTERM LOANS :: - :: -

It is one of the major sources of debt finance for a long term

project. Term loans are generally repayable in more than a year but

less than 10 years. These loans are offered by all Indian financial

institutions. Term loans are generally secured through a first mortgage

or by way of deposit of title deeds of immovable properties.

1)1) Housing LoanHousing Loan :: -:: -

Home loan is the latest craze in the banking sector with the

development of the infrastructure. Now people are moving to township

outside the city. More number of townships is coming up to meet the

demand of 'house for all'. The RBI has also liberalized the interest rates

of home loan inorder to match the repayment capability of even middle

class people. Almost all banks are dealing in home loan. Again SBI,

ICICI, HDFC, HSBC are leading.

Local residential can get housing loan for the purpose of to

purchase or build home. Rate of interest is 10.5% for Rs. 5 lacs and

above Rs. 5 lacs; rate of interest is 11.5%. As a security bank takes the

documents of property which is mortgage by the person. A person, who

is grated loan, has to repay loan to bank up to 5 years.

( 39 )

2)2) Business LoanBusiness Loan :: -:: -

A person who is engaged in their business at least from last one

year can get this kind of loan for the purpose of fulfillment of the short

term working capital needs. A business man get loan up to 10 lacs but

in special cases bank allow him to grant above 10 lacs and person has

to repay the loan in installments which should have already been

decided. As a security bank takes all documents of property which is

being mortgaged by a person. Rate of interest on this loan is as

under :: -

Up to Rs. 2 lacs :: - 12%

Rs. 2 lacs to Rs. 5 lacs :: - 12.5%

Rs. 5 lacs to Rs. 10 lacs :: - 13%

Above Rs. 10 lacs :: - 14%

3)3) Vehicle LoanVehicle Loan :: -:: -

A person or a businessman who wants to purchase new or old

vehicle for the purpose of the transportation or for personal use can get

this kind of loan. Bank grants this kind of loan up to 85% of the face

(quotation) value of vehicle and person has to repay the loan in

installments which should have already been decided. Rate of interest

on this loan is as under :: -

For transport operator :: - 14%

For personal use :: - 13%

( 40 )

4)4) Professional LoanProfessional Loan :: - :: -

This kind of a loan is granted to professional persons such as

lawyers, C.A, doctors, etc, for the professional purpose like, to the

doctor bank grants this type of loan to build new clinic, to buy new

medical equipments, and so on. Bank grants this loan up to 10 lacs but

in some cases bank grants loan above 10 lacs and person has to repay

the loan in installments which should have already been decided. Rate

of interest on this loan is as under :: -


Rs. 2 lacs to Rs. 5 lacs :: - 12.5%

Rs. 5 lacs to Rs. 10 lacs :: - 13%

Above Rs. 10 lacs :: - 13.5%

5)5) Loan against NSC\KVP\LICLoan against NSC\KVP\LIC :: -:: -

Loan against NSC\KVP\LIC is very easy to get because liquid

guarantee is involved in it. Bank grants loan against NSC\KVP\LIC.

Bank grants loan for the purpose of purchase or to build home. If a

person wants to get this kind of loan, should have share certificate or

any LIC policy holder of his own name only. Bank grants this loan up to

75% to 90% of market value of NSC, KVP and LIC policy. Applicant

has to give share certificate or LIC policy to bank. Bank will charge

12% rate of interest on this loan. A person has to repay this loan to

bank up to the due date of share certificates or policy. As a security

bank takes share certificates or LIC policy.

( 41 )

6)6) Personal LoanPersonal Loan :: -:: -

In Personal Loan, one can get a sanctioned loan amount

between Rs. 25,000 to Rs. 1 lacs depending upon the profile of person

applying for the loan. SBI, ICICI, HDFC, HSBC are some of the leading

banks which deals in Personal Loan.

Local residential can get this kind of a loan for the purpose of to

buy home appliances, like TV, fridge, etc or any thing a person wants

to buy. Bank grants this kind of loan up to 25,000 but in some cases

bank grants above 25,000 and person has to repay the loan in

installments which should have already been decided. Rate of interest

on Personal loan is as under :: -

Up to Rs. 25,000 :: - 13 %

Above Rs. 25,000 :: - 14 %

( 42 )

B)B) CASH CREDITCASH CREDIT :: -:: -

1)1) Loan to Small Scale IndustryLoan to Small Scale Industry :: -:: -

A person who has his own business and wants to start his own

business as small scale sector can get this kind of the loan for the

purpose of fulfillment of the short term working capital needs or to

purchase new machineries or so on. A business man can get loan up

to 15 lacs but in special cases bank allows him to grant above 15 lacs

and person has to repay the loan in installments which should have

already been decided. In cash credit type loan, person can withdraw

money (up to decided) if there is no money in his account. Bank grants

this loan against the raw material, stock, and any mortgaged

properties. The insurance of stock and mortgaged properties is taken

by the bank as a security. Rate of interest on this loan is as under :: -


Rs. 2 lacs to Rs. 5 lacs :: - 11.75%

Rs. 5 lacs to Rs. 15 lacs :: - 12.25%

Above Rs. 15 lacs :: - 13%

( 43 )

2)2) Other Cash Credit LoanOther Cash Credit Loan :: -:: -

Bank also grants cash credit to the local residential or to an

ordinary people to fulfill their needs for money. A person can get loan

up to 10 lacs but in special cases bank allows him to grant above 10

lacs and person has to repay the loan in installments which should

have already been decided. In cash credit type loan, person can

withdraw money (up to decided) if there is no money in his account. As

a security bank takes all documents of property which is being

mortgaged by a person. Rate of interest on this loan is as under :: -

Up to Rs. 2 lacs :: - 11.5%

Rs. 2 lacs to Rs. 5 lacs :: - 12.25%

Rs. 5 lacs to Rs. 10 lacs :: - 12.75%

Above Rs. 10 lacs :: - 13.5%

( 44 )

OTHER SERVICESOTHER SERVICES

1)1) Locker SystemLocker System :: -:: -

Bank also provides locker system to their customer or peoples.

Basically, bank provides A, B, C - three types of lockers and size of

lockers are 6*6, 6*12, and 12*1 respectively. Bank also charge for

locker Rs. 350, Rs.450, Rs. 550 respectively. A person who is going to

open locker with bank, he has to deposit Rs. 5, 500, Rs. 6,500, Rs.

7,500 for A, B, C respectively. Person also has to open his current

account with bank because bank will debit service charge of locker in

his current account.

2)2) Demand DraftDemand Draft :: -:: -

Purchase of demand draft is required to fill up the requisite

application form of bank which contains following columns :: -

Date of the application.

Scroll no.

Name of the drawer bank and its branch

Account type no. and cheques no.

Beneficiary’s name.

Demand draft no. and bank code no.

Amount of demand draft in figures and commission and total Rs.

Purchaser’s name, address, and sign.

Cashier\Clerk and officers initials.

( 45 )

PROCESS OF GRANTING LOANSPROCESS OF GRANTING LOANS

Primary InvestigationPrimary Investigation :: - :: -

In primary investigation, bank investigates all the things of the

customer such as, name, address, purpose of loan, amount of loan,

assets which is going to be mortgaged, etc. After knowing all the things

about the customer, bank will give loan form to customer. He has to fill

up all the things clearly.

Bank will need some documents for assurance. The one and

common document bank demand is demand promisenary this because

customer needs loan. If bank is granting loan to partnership firm and

proprietorship firm following documents are required.

All Partners’ / Proprietors’ photos.

Copy of Partnership / Proprietors’ deed.

P.A.N card Copy of firm.

Registration copy (If).

Proof of existing of firm.

Proof of all Partners’ / Proprietors’ address.

If bank is granting loan in the form of vehicle loan, bank will try

to know the purpose of getting loan whether it is getting to buy new or

old vehicle and bank also grant loan against the vehicles. If bank is

going to grant loan to the company, bank will demand for registration

documents of the company.

( 46 )

After investigating all above things and required documents

General Manager of the bank will decide to grant loan or not. For taking

this decision he may call meeting and General Manager takes an

opinion of the others. Thus they will decide to grant loan of not and

customer will get loan whether he has submitted all the required

documents and if he has not submitted the entire required document

he might not be granted loan.

( 47 )

RECOVERY OF LOANRECOVERY OF LOAN

Customer who is being granted loan by bank, he has to repay

the loan in small installments which have already been decided earlier.

Customer has to pay his installment in 1st to 10th of month otherwise he

has to pay fine (penalty) interest 2% more for per day.

If customer does not pay more than 3 installments, bank will

issue legal notice. And though customer will not pay installment bank

will claim in court and generally court will also take decision in favor of

the bank then after Bank will again issue notice of confiscation assets

for 30 days. After these entire if customer will not pay installment bank

will issue notice of auction of his assets and bank will give an

advertisement in news paper and after 30 days bank will get its money

from selling assets.

( 48 )

( 49 )

CONTENTCONTENT


1. Introduction 52

2. Financial Analysis 53

3. Financial Planning 54

4. Ratio Analysis 55

5.Importance Of Ratio

Analysis

57

6. Financial Report 58

7. Information Of Shares 63

8. Auditor’s Report 65

( 50 )


Today, Finance is considered as the “Life Blood of the Business”

without finance no business activity is possible. So for an organization,

it must have a large amount of finance and for this it should have

finance department.

Finance management is concerned with the acquisition,

financing and management of assets with some overall goal in mind.

Finance management continuous to develop at an even more rapid

pace. Advancement is occurring not only in the theory of finance

management but also in its real world practice.

The finance manager has dynamic role in a modern company’s

development. Until around the first half of century, finance manager

primarily raised funds and managed their firm’s cash and that was

pretty much it. Today internal factors have an increasing impact on the

financial manages. Corporate competition, technological changes

volatility in inflation and interest rates, worldwide economic uncertainty,

fluctuating exchange rats, tax low changes, and ethical concourse over

certain financial dealings must be dealt with the corporation.

Finance management is very important i.e. first to manage

financial resource, then to distribute that finance among the various

department according to their need and lastly has to check whether it is

used in right way or not. Thus, only finance gathering has not become

the goal or aim of finance management but is holds a key position in

top management of companies.

( 51 )

FINANCIAL ANALSISFINANCIAL ANALSIS

The nature of analysis will differ depending on purpose of the

analyst. Trade creditors are interested in firms’ ability to meet their

claims over a very short period of time. Their analysis will therefore

confine to the evaluation of the firms liquidity position.

Suppliers of the long term debit on the other hand are

concerned with the firms’ long term solvency and survival. They

analyze the firms’ profitability over time, over its ability to generate cash

to be able to may interest and repay principal and relationship between

various sources of funds.

Investors who have invested their money in the firms’ shares are

concerned about the firms’ earnings. They restore more confidence in

there firms’ that show steady growth in evening. Management of the

firm would be interested on every aspects of the financial analysis. It is

their overall responsibility to see that the resources of the firm are used

most effectively and efficiently and that the firms’ financial condition is

found.

( 52 )

FINANCIAL PLANNINGFINANCIAL PLANNING

The pursuit of increased profitability usually requires careful

planning of a financial instructions future operations. Growing number

of banks and other financial institutions have turned to formalized

planning methods to achieve their goals.

Though planning techniques vary widely in scope & design,

many of largest financial instructions use both short run and long run

plans. Short run plans may include a monthly or weekly projected cash

budget that tracks cash inflow and reveals how the institution’s level of

cash reserves will vary overtime of the projections turn out to be true.

The planning over a year is formalized in a so-called profit plan, which

projects key items on the balance sheet and income and expenditure

statement for a 12 month period.

Long term plans frequently include a capital budget, charging

projected growth in facilities and a strategic plan. Strategic plans

forecast organizations future position in various target markets.

( 53 )

RATIO ANALSISRATIO ANALSIS

Ratio analysis is a powerful tool of financial analysis. A ratio is

defined as “the indicated quotient of two mathematical impression” and

as the relationship between two or more things. It helps to ascertain the

financial condition of the firm. Ratio analysis is a process of identifying

the financial strength and weakness of the firm.

A financial ratio is a relationship between two variables which

are drawn from the financial statements of business enterprises it is

important for there variables which are related to each other. It is one

the financial control tools in the head of management and is widely

used by business.

Ratios as shown above are relative figures reflecting the

relationship between variables. They enable analyst to draw

conduction regarding financial operations. The use of ratios as a tool of

financial analysis involves their comparison for a single ratio like

absolute figures, fails to reveal the true position. For example, if in the

case of a firm the return on capital employed is 15% in a particular

year, what does it indicate? Only if the figure is related to the fact that

in the preceding year the relevant return was 12% or 18% can it be

informed whether the profitability of the firm has dedicated or improved.

Alternatively if we know that the return for the industry as a whole is

10% or 20%, the profitability of the firm in question can be evaluated.

Comparison with related facts is therefore the basis of ratio analysis.

Four types of comparisons are involved ( 1 ) trend ratio ( 2 ) inter firm

comparison ( 3 ) comparison of items within a single year’s financial

statement of a firm ( 4 ) comparison with standards as plans.

( 54 )

Trend ratio involved a comparison of ratio of a firm over time,

i.e., presents ratios are compared with past ratio for the same firm.

Trend ratio indicates the direction of change in the performance

improvement, deterioration as constancy over the years.

The inter firm comparison involving comparison of the ratio of a

firm with there of others in the same line of business on for the industry

as a whole reflects its performance in relation to its competitors. Other

types of comparison may relate to comparison of items within a signal

year’s financial statement of a firm and comparison with standards as

plans. Some ratios of the year 2005 (Rs. In lacs) are as under :: -

( 55 )

IMPORTANCE OF RATIO ANALYSISIMPORTANCE OF RATIO ANALYSIS

Importance of ratio analysis are as follows :: -

1) It helps in knowing the liquidity position of a firm.

2) Ratio analysis helps in assessing long term financial viability of a

firm.

3) It helps management in evaluating operating efficiency of

management & utilization of its assets.

4) It also helps investors on outsiders in evaluating even all

profitability.

5) Ratio analysis helps in inter firm comparison that helps in

comparing firms’ performance.

6) Finally, ratio analysis enables to tale the time dimension into

account. In other words whether the financial position of a firm is

improving or determining over the years.

( 56 )

FINANCIAL REPOERTFINANCIAL REPOERT

The directors have pleasure in presenting the 8th report of Rajkot

People’s Co-Operative Bank’s Audited Statement of Accounts of the

year ended on 31st March 2005.

Due to irresponsible attitude of some of the Co-Operative Banks’

management in the last few years, lay men had to suffer immense loss.

However, under the adverse circumstances, Rajkot People’s Co-

Operative Bank has kept the pace with the progress all around and has

sustained faith of the people, which is highlighted from the following

information.

Profit and Appropriation ThereofProfit and Appropriation Thereof :: ::

--

The Profit & Loss Account of the Bank shows Gross Profit of

Rs.1, 59, 00,000 and after making the provisions under Bye-Laws and

the Gujarat Co-Operative Societies Act, the Net Profit comes to Rs. 91,

00,000.

The board expects your confirmation for the appropriation of Net

Profit as under:

Reserve Fund -40% of Net Profit

Dividend – 15% of Net Profit

Education Fund – 2.5% of Net Profit

Under credit Equalization Fund – 15% of the Residual

Profit after above appropriate

Building Fund – 20% of Net Profit

( 57 )

Residual Profit after making aboveResidual Profit after making above

appropriateappropriate:: -:: -

Dividend Equalization Fund – 20% of Residual Profit.

Charity Fund – 20% of Residual Profit.

Co-op, Movement Propaganda Fund – 20% of Residual

Profit.

Members’ Welfare Fund – 20% of Residual Profit.

Social Welfare Fund – 10% of Residual Profit.

Employees’ Welfare Fund -5% Residual Profit.

Festival Fund – 5% of Residual Profit.

DIVIDENDDIVIDEND :: -:: -

As per the provision of the Gujarat Co-Operative Societies Act of

maximum limit of Dividend, Board or Directors recommends 15%

Dividend. Rajkot People’s Co-Operative Bank has shown consistency

in maintaining the same rate of Dividend since inception.

CAPITAL ADEQUACYCAPITAL ADEQUACY :: - :: -

Against the statutory Requirement to maintain capital adequacy

ratio that is capital to risk weighted assets ratio-CRAR at 9% Rajkot

People’s Co-Operative Bank has maintained as high as 11.57%.

Higher CRAR suggests high financial soundness of the bank. The

CRAR is an indictor to measure the risk against the capital.

( 58 )

FINANCEFINANCE :: - :: -

The liberalization of the financial sector is the key for the over all

liberalization process. Gradually, the structure of the financial market

itself has begun to change, in the changing Financial Market; Rajkot

People’s Co-Operative Bank has market the progressive growth and

profitability both the financial year 2004-2005 which is reflected in the

following Financing since inception:

(Rs. In Lacs)

Particulars 31-3-04 31-03-05

Members 13,000 13,300

Share Capital Rs. 178 Rs. 216

Deposit Rs. 8,300 Rs. 8,800

Advances Rs. 4,500 Rs. 6300

Net Profit Rs. 90 Rs. 92

Working

CapitalRs. 9,100 Rs. 10,200

( 59 )

DEPOSITSDEPOSITS :: - :: -

The condition of many banks became vulnerable during last few

years. However Rajkot People’s Co-Operative Bank was successful in

sustaining the trust of its Depositors and has sustained the same

growth in all adverse circumstances.

Rajkot People’s Co-Operative bank’s deposits, in comparison to

previous year have increased by 5.59% and reached to Rs.88, 00,

00,000 as at 31.03.2005. The ruse in the deposits is the symbol of

trust. The percentage of low cost deposits to total deposit is rising year

by year which is the key for gradual but steady growth in profitability.

ADVANCESADVANCES :: - :: -

Rajkot People’s Co-Operative bank grants various loans and

advances for the actual needs of the fundamental principles of co-

operation. As a matter of fact, Rajkot People’s Co-Operative Bank is

“Big for Small (lay) people and small for big (rich) people”. Rajkot

People’s Co-Operative Bank has always tried to be helpful to common

people, which are 6,300 (in lacs).

Rajkot People’s Co-Operative Bank’s financial portfolio is

distributed in entire economic and varied activities so that changes

arising from the market may not have direct adverse impact on the

recovery and economy affairs of the bank.

( 60 )

Advances made to the directors and their relatives have been

fully recovered. As per instruction of Reserve bank of India, Rajkot

People’s Co-Operative has not financed a single rupee against security

of shares, debentures etc.

INVESTMENTINVESTMENT :: - :: -

Out of total investment of Rs. 21, 85, 00,000 of Rajkot People’s

Co-Operative Bank at 31.03.2005, Rs 21, 16, 00,000 has been

invested in various central government securities. The face value of the

investment is Rs. 21, 20, 00, 000 and market value of the investment is

Rs. 21, 60, 00,000.

Rajkot People’s Co-Operative Bank has adopted the policy of

investment as directed by the reserve bank of India from time to time.

Accordingly, entire investment is kept in RBI’s SGL Account. Rajkot

People’s Co-Operative Bank’s total investment is more than statutory

requirement.

( 61 )

INFORMATION OF SHAREINFORMATION OF SHARE

SHARE CAPITALSHARE CAPITAL :: - :: -

Last year there were 13,000 members. This year it has reached

to 13,300 in numbers. During the year 2004-2005, total share capital

gone up to Rs. 2, 16, 00 , 000 which is 21.42% higher than the

previous year’s figure. An increase in number of members is the sign of

success of the bank.

SHAREHOLDINGSHAREHOLDING :: - :: -

If a person who wants to become share member of the bank,

has to buy the shares of that bank. He has to fill up form of the bank.

Bank collects the share application form, membership fees and share

application money.

Board sanctioned the share application and provides

membership member and also provide an identity card. Now, the

person becomes a permanent member of this bank.

( 62 )

TRANSFER OF SHARETRANSFER OF SHARE :: - :: -

If any share holder wants to transfer his share in favor of any

person, he has to fill up share transfer form of the bank in favor of

others. He has to pay transfer fees and submit original share certificate

to bank and identity card which has already been given to the share

holder and bank will transfer his share on name of another person.

SHARE CERTIFICATESHARE CERTIFICATE :: - :: -

Bank issues the share certificate to share holder and identity

card. The share certificate is approved by the Co-Operative sector. In

which such things are covered as Bank shareholder No., Sr. No.,

Certificate No. signed by the of bank authority. If a person who

deposits Rs25, 000 in the account of the bank, bank will give him a

share certificate.

RESERVES AND FUNDSRESERVES AND FUNDS :: - :: -

Various reserves and funds of Rajkot People’s Co-Operative

bank has reached to the level of Rs. 5,35,00,000 as at 31.03.2005,

which is 27.75% higher than the previous year’s figure. Constant rise in

various reserves and funds is also a land mark of a successful and

sound bank.

( 63 )

AUDITOR’S REPORTAUDITOR’S REPORT

We have audited the balance sheet as on 31.3.2005 and the

profit & loss account for the year ended on 31.3.2005 of Rajkot

People’s Co-Operative Bank Ltd. With reference to our audit memo

and audit note we hereby report as follow:

1) It is bank management duty to prepare the said financial

statement our duty is only to give opinion about the genuineness

of the informative data disclosed in the said statements.

2) We follow the rules and regulation of the existing accounting

standards for the said audit purpose. It is to be verified that the

said financial statement are true and the information and

figurative data disclosed are genuine in all respect.

3) As per our opinion all the information and explanations provided

to us are disclosed in bank’s books and as per that we report as

follows:

a) The balance sheet as on 31.3.2005 and the accounting

note there in reflect the actual financial position of the

bank all the required information is included in it and it is

properly prepared.

b) The profit and loss account for the year ended on

31.3.2005 reflects the actual profit of the bank.

( 64 )

4) The information and clarifications required by us promptly

provided to us and we found them satisfactory.

5) The transaction of the bank observed by us are lawful and as

per rules and regulation of the respective law.

6) As per our opinion all mandatory financial records to be

maintained are properly maintained by the bank.

7) The NPA classification and the provisions thereof of the bank

are as per the norms of income recognition and provisions

prescribed by Reserve Bank of India.

Rajkot People’s Co-Operative Bank Ltd. satisfies all the needs

of auditors. The audit class of this bank is “A” and the audit grade of

this bank is “1”.

( 65 )

( 66 )

S.W.O.T ANALYSISS.W.O.T ANALYSIS

S.W.O.T analysis means overall evaluation of a firm’s strengths,

weaknesses, opportunities, and threats. S.W.O.T analysis consists of

making analyses of the external environment and internal environment.

External Environment AnalysisExternal Environment Analysis :: - :: -

External environment consists of out sides of the firm such as

government, competitors, etc. Such environmental analysis is

necessary because it affects the firm or an organization.

Internal Environment AnalysisInternal Environment Analysis :: - :: -

Internal environment consists of inner sides of the firm such as

personnel, finance, etc. Such environmental analysis is necessary

because it affects the firm or an organization.

( 67 )

SS == StrengthsStrengths

WW == WeaknessesWeaknesses

OO == OpportunitiesOpportunities

TT == ThreatsThreats

S.W.O.T.ANALYSIS

OPPORTUNITES

WEAKNESSES

STENGTHS

THREATS

( 68 )

STRENGTHSTRENGTH :: -

This bank is very reputed in local (Rajkot) area.

Professional management & co-operate team spirit.

Strong brand equity in local (Rajkot) area.

Fully computerized.

Profitability & sound liquidity.

Branches in all most developed part of Rajkot.

No mistake in regular transactions can be found because

of small network.

Against the statutory Requirement to maintain capital

adequacy ratio that is capital to risk weighted assets ratio-CRAR

at 9% Rajkot People’s Co-Operative Bank has maintained as

high as 11.57%.

WEAKNESSESWEAKNESSES :: -

Bank is not performing marketing activity because lack of

marketing expertise.

Lack of modern management concepts and sometimes

communication gap can be found which indicates lack of

professionalism.

Bank is not providing A.T.M. facility in the recent

developed era and Bank is not fully developed in modern era.

Lower volume of advances due to higher rate of interest

may affect the expansion of the organization.

Not reputed at national level and less no. of the branches.

( 69 )

OPPORTUNITIESOPPORTUNITIES :: -

Bank can open branches at state level in near future.

Number of branches can be increased in all over nation

next 5 to 8 years.

Bank can introduce new services like, NRI loan, ATM,

student account with minimum Rs. 100 etc.

Bank can perform marketing activities by media.

THREATSTHREATS :: -

Changes in government policies and in rules and

regulation regarding bank can be disturbed in regular services of

bank.

Crises in the Co-operative banking sector can disturb the

bank progress.

All the depositors may withdraw their money from bank

because of any wrong rumors against bank.

( 70 )

( 71 )

FUTURE PLANSFUTURE PLANS

Rajkot people’s co-operative bank wants to starts new branches

in different districts of Gujarat and as possible, may start at India level

also. People’s bank may also provide ATM facility if possible. People’s

bank wants to develop close relationship with individual and depositors.

People’s bank also wants to maintain growth and wants more growth.

People’s bank may provide various types of new loans like, student

loan, NIR loan, and many more policies. Generally, People’s bank

mainly focuses on starting new branches in various place of India.

( 72 )

( 73 )

CONCLUSIONCONCLUSION

From the bank’s visit I learn a lot. Now I know that how the

theoretically aspects are applied in the industries.

I had found that all the staff members and workers are working

in a co ordinates manner and in a planned way and they are more

concentrating about their work and diversifying their efforts towards the

desired target. Due to unprecedented trust and co-operation of the

members and customers as well as continuous efforts put in by the

management and the staff of Peoples Bank has been able to reach to

the new heights of success.

So, at the end I wish “RAJKOT PEOPLE’S CO-OP. BANK LTD.”

and ”ALL THE BEST” to get desired success in the future.

SUGGESTIONSUGGESTION

Bank is not performing marketing activity because lack of

marketing expertise for this bank should appoint skilled person who

has a marketing knowledge. Bank is not providing A.T.M. facility in the

recent developed era and many others facilities which are being

providing by other banks so bank should try to provide or start this

facility and other policies in near future. Bank has not large net work

and not fully developed so bank should open new branches in different

states of the India.

( 74 )

( 75 )

BIBLIOGRAPHYBIBLIOGRAPHY

Web SiteWeb Site :: -:: -

www.google.com

www.rbi.com

Personnel Management Ashwathappa

C.B. Mamoria

Marketing Management Phillip Kotler

S.A. Sherlekar

Finance Management I. M. Pandey

Annual Report of the Bank (2005)

( 76 )

http://www.rbi.com/

People's Bank

Documents

Transcript of People's Bank