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Products Offered by Competitors in Short Term and Long Term Agri Loans with Process Flow
sourcing & Delivery
SUBMITED BY
SUPRIYA SHIKHAR
NORTH ORISA UNIVERSITY
CONTENTS
INTRODUCTION
COMPANY PROFIL
THEORITYCAL ANALYSIS
DATA ANALYSIS & INTERPRETATION
FIGURES
SUGGESTION
CONCLUSION
INTRODUCTION
Agriculture is a dominant sector of our economy and credit plays an important role in increasing agriculture production. Availability and access to adequate, timely and low cost credit from institutional sources is of great importance especially to small and marginal farmers. Along with other inputs, credit is essential for establishing sustainable and profitable farming systems. The major concern of the Government is Therefore, to bring all the farmer households within the banking fold and promote complete financial inclusion.
COMPANY PROFILESTATE BANK OF INDIA
In India by assets, State Bank of India is one of the Big Four banks of India, along with ICICI Bank, Punjab National Bank and HDFC Bank.Bank of Madras merged into the other State Bank of India (SBI) is a multinational banking and financial services company based in India. It is a government-owned corporation with its headquarters in Mumbai, Maharashtra. offices, making it the largest banking and financial services company two "presidency banks" in British India, Bank of Calcutta and Bank of Bombay, to form the Imperial Bank of India, which in turn became the State Bank of India on 1st July 1955.On October 7,2013 Arundhati Bhattacharya became the first woman to be appointed chairperson of the bank.
THEORITYCAL PROSPACTIVE
Agricultural Gold LoansDairy Plus Schemes For Financing Dairy NitsSBI Krishak Uthan YojanaKisan Gold Card SchemesNew Tractor Loan SchemesKisan Credit Card Schemes(KCC)Financing Power TillerLand Purchase schemes
DATA ANALYSIS AND INTERPRETATION
YES 90%(27)
NO 10%(3)
TOTAL NO.OF PEOPLE 30
90%
10%
YESNO
Q1.Are you aware of Agri product and services provided by SBI?
Q2.which bank you prefer for taking Agriculture loans?
AGRI LOAN 40%(12)HOME LOAN 27%(8)EDUCATION LOAN 20%(6)OTHER 13%(4)TOTAL NO.OF PEOPLE 30
40%
27%
20%
13%
AGRI LOAN
HOME LOAN 27%
FINDING
From this project it is found that SBI Agriculture banking must give the good result towards SBI for larger amount of transaction, there is a great opportunity to compete with other private sector bank & to retain its customer by fulfilling the requirement of customer in SBI.
It has been observed that approximately 93% correspondents of people know about agriculture banking & 7% do not know about it.
SUGGESTION
SBI has to reduce the interest rate.SBI has to entertain indirect sectors of agriculture so that it can have more number of borrowers for the bank.SBI must take feedback of customers regarding features & services.SBI should more focus on retaining existing customers.
CONCLUSION
From the analysis part it can be conclude that customers have a good respond towards the SBI agriculture products in Baripada. SBI is in 1st position having large number of customers & providing good services to them.
SBI should focus on:-•Launch innovative product•Customized agriculture products.•Better customer services•Fastest customers problem solving techniques
THANK YOU