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A STUDY ON LOANS AND ADVANCES FOR DCC BANK MAIN BRANCH

NAYAKAMAN BIDAR

Book · August 2016

DOI: 10.13140/RG.2.2.36029.59363

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 EXECUTIVE SUMMARY:
Banking regulations act of India, 1949defined banking has “acceptance for the purpose of
lending or investment of deposits of money from the public, repayment on demand or otherwise
and withdraw able cheques, drafts order or otherwise”, the major participating of the Indian
financial system are commercial banks, the financial institution encompassing term lending
institutions. Investments institutions, specialized financial institution and the state level
development banks , non banking financial companies (NBFC) and other market intermediaries
such has the stock brokers and money lenders are among the oldest of the certain variants of
NBFC and the oldest market participants. The Fls on the other hand are relatively new entities in
the financial market place.
Historical perspective:
Bank of Hindustan set up in 1870, was the earliest Indian bank. banking in India on modern lines
started with the establishment of three presidency banks under the presidency banks act,1876
 Bank of Calcutta

 Bank of Bombay

 Bank of madras
In 1921, all presidency banks were amalgamated to form the establishment of Reserve Bank of
India. It‟s engaged in all types of commercial banking business Except dealing in foreign
exchange. Reserve Bank of India act was passed in 1934 and RBI was constituted as apex bank
without major governmentownership, the banking regulations act was passed in1949, this
regulation brought RBI under government control under the act. RBI got wide ranging powers
for supervision and control of banks. The act also vested licensing the powers and authority to
conduct inspections.
 INTR0DUCTION ABOUT THE INTERNSHIP:

Internship is a system of arrangement, requiring a student to work is in organization for a

specific period of time after completing requisite number of degree and post graduate courses.
Internship has certain specific objective such as to.
 Improve a report writing skill
 Apply management knowledge to practice
 Helps to develop plans includes long term and short term plans along the financial detail
 To understand the functioning and working condition of the organization

Selection of an bank for internship

The organization selected for working in internship project is DCC BANK main branch n
nayakaman Bidar for fulfillment of requirements of MBA project in Visvesvaraya Technological
University, Belagavi. It is an opportunity to everyone MBA student for learns the practical
aspects of the bank.
 TOPIC CHOSEN FOR STUDY:
“A STUDY ON LOANS AND ADVANCES FOR DCC BANK MAIN
BRANCH NAYAKAMAN BIDAR”.

A study of financial statement on LOANS AND ADVANCES for helpful in future days for
working in the any kind of banks or other financial institutions and understanding of the financial
statements of the banks accounting of bank balance sheet of loans and advances.
The loans and advances understanding the how to takes loans for agriculturalist and other self
help group people and big industries
Understanding of the bank percentage of depending loans for short term loans and long term
loans percentage and other requirement documentations reference and agreement of the loans
and advances and rulesand regulation of the district co-operative banks for bidar district peoples.
Definition of „Loans‟
The term loans refer to the amount borrowed by one person from another. The amount is in the
nature of loan and refers to the sum paid to the borrowers. Thus, from the view point of
borrowers, it is borrowing and from the view point of bank it is a lending.
Advantages of loans and advances:
It takes a finance degree to know that the current economy is tough. Unemployment rates are still
at an all time high, and many companies have gone bankrupt, while others are barely hanging on
by a thread. In fact in today‟s ever changing and flexing economic climate, business loans are
about only option small business owners have for obtaining cash to furthers their companies.
With an efficient business loans, almost any enterprise can see immediate capital wisely
Benefits:
Another benefit of getting a business loans is that, if the loan is lent to a corporate entity, loan
will not usually have to be repaid by the business owner if the company fails. In the events of
failure, the business is liquidate, which helps pay back part (sometimes bill) of the funds
borrowed.
 NEED FOR THE STUDY:
 The education has great significance and provides well benefits to various students who
have work hardly or directly indirectly interact with banks
 It is a beneficial to management of the banks or companies by providing crystal clear
pictures
 Regarding important aspects like profit and losses of bank balance sheet and
Profitability
 The study is also beneficial to employees and offers motivations by showing how activity
they Are contributing for company profit
 The depositors who are interested in depositing money for choose banks expected of the
interest depending one bank percentage will also get a beneficial by going through to
study and can easily take a decision whether invest or not to invest in the money for bank
 OBJECTIVE OF THE STUDY:
 To know about the working of the bank.
 To study the loans & advances in DCC bank.
 To study the loans & advances sanction procedure.
 To study the match difference between the five years. And three years
 To study the loans and advances profit, deposits, and advances, (SHG) members
And working capital share capital of the DCC bank.
 To identified the NABARD sanctioned short-term and medium-term loans.
 To know the borrowing of the DCC bank
 To know the statutory and other reserve
 SCOPE OF THE STUDY:
 The scope the study concerned with to the DCC BANK
 The present study “ANALYSIS ON LOANS AND ADVANCES” is empirical and
description in nature.
 The study title is loans and advances on main branch DCC bank bidar. Based on the data
and information given by the DCC bank
 The study is limited only to DCC bank bidar branch and considered only that branch
activities.
 METHODOLOGY ADOPTED:
Data collection is a most essential aspect of any research the whole result depends on the data
collected and information processed hence. The methodology adopted by me to collect the data
is through primary and secondary data, will be helpful for final interpretation.
There are two types of data collected
1) Primary data
2) Secondary data

Primary data
Primary data was firstly collected data from annual report of the banks and register for
investers.to gain more about the loans and advances rules and regulations and methods and other
more information, discussion were had with the officials which provides helpful data collected,
books and general banking information annual report, etc
Secondary data
Secondary data based on the loans and advances were prepare, to know the financial position
different rate of interest based on loans imported finding were noted.
The information is collected through secondary sources during the project. That information was
utilized for calculating performance of based on the interest rate interpresentation were made.
 LITERATURE REVIEW:
In order to understand the main concept of loans and advances and also to identify the areas
already collected, some of the imported studies already undertaken and related to the objectives
of the present study are mentioned, compare to other developing countries also face similar
problem in helping the poor to fight their poverty. They have also experience may strategies.
Some of them have adopted the micro-finance strategy. Their experience may be of relevance in
this section. For better understanding. They have been divides two type loans means secured
loans and unsecured loans. Studies related India.
In the study of all a study on loans and advances in developing of industries and farmers for
Development of the India comparing to other countries.
The micro finance provides farmers and smile scale industries for rural areas and for short term
loans and very short rate of interest easily installments for monthly tree monthly.
Crop loans at DCC banks level during the April-may 2011 (Rs. In crores)
Name of DCC bank number amount
Bagalkot 14,923 62.70
Bangalore 4,218 15.02
Belguam 1, 02,287 2, 14
Bellary 7,152 25, 65
Bidar 1,652 6.95
Davangere 1,787 4, 40
Dharwad 16,204 61, 76
Gulbarga 29,451 47, 84
Mysore 5,869 29, 80
Shimoga 39,834 118.33
Tumkur 412 1.80
Kalyankar (1983) in his study titled, “Wilful Default in Loans of Co-operatives” examined the
trends in deposits, share capital, working capital, loans outstanding, advances, overdues and
recoveries at the district level financing institutes. Socioeconomic factors responsible in
projecting and promoting future development in the operations and approaches of the co-
operative credit organizations were also considered to examine the specific progress made by
Central Co-operative Bank of Parbhani District. The study revealed that the cropping intensity,
irrigation facility and working capital of the societies were the major factors for explaining
overdues at primary agricultural credit societies‟ level. The socio-economic factors were not
responsible for increasing overdues at the borrowers‟ level, but overdues were mainly mounted
due to the non-economic factors in case of wilful defaulters. Kurulkar (1983), in his published
work on agricultural finance in
Balister et al. (1994) conducted a study of overdues of loans in agriculture to examine the
repayment performance of defaulters in three blocks of Agra district in Uttar Pradesh. They
found that well-to-do agriculture families accounted for a large share of overdues. They
accounted 37 per cent of total defaulters and 57 per cent of total overdues. Total amount of
overdues and its relative share also increased during the period of study. Lack of proper
supervision over end use of loan was identified a major reason for mis-utilisation of credit which
leads to increase in overdues
Ramachandaran (1992), in his paper titled, “Profit Planning as a Management Tool for Profit
Maximisation” tried to analyse profitability position of the banks. Increasing emphasis on goals,
increase in establishment cost, NPAs, amount locked in sick units, unfavorable deposit mix,
compliance to statutory requirements were some reasons, 26 identified by him, for declining
profitability. He suggested the following measures to redress the said problem: (i) Diversification
of business, (ii) Interest to be paid by RBI on CRR/SLR balances, (iii) Opting utilisation of
scarce resources by asset management, (iv) Better funds management, (v) Management of non-
performing advances, (vi) Professionalisation of bank management, (vii) Identification of loss
centres, (viii) Better role of government, and (ix) Upgradation of skills and mechanism.
Murthi and Saraswati (1996), in their paper titled, “Reducing Overdues in Credit Co-
operatives: Some Alternatives” undertook a study to evaluate the Quantitative Progress made in
respect of supply of Institutional Credit. Using the secondary data made available by RBI in
Statistical Statements relating to Co-operative Movement in India for a period of 6 years from
1978 to 1983 and assessing the Loaning Policies of Girijan Co-operative Corporation,
Visakhapatnam, the study concluded that the progress in respect of supply of credit was
phenomenal over the period of study but this progress pales into significance, if the magnitude of
overdues was considered. It pointed out that the most unnerving aspect of institutional credit was
the alarmingly high percentage of overdues, i.e., about 43% of loan recoverable in the second-
half of the 80s in the case of co-operatives. The study was conducted to find out whether it was
possible to reduce overdues by (1) making co-operatives the exclusive institutions of
economically weaker sections-BY RESTRUCTURING THEM; and (2) by effective changes in
the Loaning Policies-BY REVAMPING THEM. The study suggested that making co-operatives
as exclusive institutions of weaker sections, i.e., 28 making them homogeneous would not result
in decline in overdues, as mere homogeneity was not a sufficient condition. Further, regarding
the Revamping of Loaning Policies, the results were quite impressive as it resulted in significant
improvement in the Recovery Performance. It was finally concluded that the change of Loaning
Policies like Induction of Liaison Workers, efforts of Elders Committee, Motivated Management
would not have helped recovery of loans in the absence of homogeneity.
 LIMITATIONS OF THE STUDY:
The present study has been conducted based on the following limitation
 The current study is limited to bidar district
 Time is important limitations. The whole study was conducted is in a period of time
 Loans and advances is based on understand easy to calculate. Therefore, there has been
tendency to over the agriculture loans detail.
 loans and advances is a based information on the preparing for bankers in balance sheet
for the account holder monthly installments and rate of interest collect the data for
bankers in guiders for the bankers banks for RBI bank for rules and regulations for the
,and the every bankers bank for RBI bank.
 INDUSTRY PROFILE:
The district co-operative central bank Ltd. Bidar was established in the year 1922 under the
Hyderabad co-operative societies act with registration No. 20944 dated 13-08-1922 with an
objective to provide short term and medium term loans for agricultural purposes. The area of
operation of the bank is extended to the whole of bidar district. After realignment of (5) talukas
Viz, bidar, aurad, bhalki, humnabad & basavakalyan. Bidar district population stood of 15.00
lakhs covering 622 revenue villages and 300 wadithandas in the entire district.
After re-organization of states the bank opened its first branch at basavakalyan and than at Aurad
and humnabad. The activities of the banks have gradually increased. Which can be seen from the
statements enclosed? Now, the bank is having (48) branches covering all the revenue circles.
The bank has started functioning with a initial share capital of Rs.1671/- there after it has
developed gradually. The bank has grown rapidly in the last 4 decades and its operation in the
district.
The co-operative have been working in India since a century that is a period of 100 years. These
banks are an important constitute of the Indian financial system. The importance of co-operative
banks in India cannot be matched to any other co-operative banks operative anywhere in the
world. The role of the co-operative banks in financing the rural areas continues to be imported
even today and there business in the urban areas has increased in the recent years, mainly
because of the speedy increased in the number of primary co-operative banks.
The co-operative banks in the rural areas finance mainly for the agricultural based activities like:
 Cattle farming
 Milk hatchery
 Personal finance
 Irrigation equipments
 Trade of fertilizers
 Seeds at subsidized prices
 Funds for heavy machineries (tractor, cultivator, stones, pickers, etc)
It also helps small scale industries and self employed driven activities. The co-
operative banks in urban areas mainly finance various categories of people for:
 Self employment
 Industries
 Small scale units
 Home finance
 Consumer finance
 Personal finance, etc
CATEGORIES:
there are two main categories of the co-operative banks:
1. Short term lending oriented co-operative banks
 State co-operative banks
 District co-operative banks
 Primary agriculture co-operative societies
2. Long term lending oriented co-operative banks
 State level
 District level
 Village level
 COMPANY PROFILE:
THE DISTRICT CO-OPERATIVE CENTRAL BANK LTD; MAIN BRANCH

NAYAKAMAN BIDAR
DCC Bank was establish 1922 in bidar under the Hyderabad co-operative societies act with
registration no 20944 dated 13/08/1922 with the objective to provides short terms and medium
term loans for agriculture development for guidance NABARD regulation means national
agriculture board of rural development the DCC Bank accept all the deposits and Short and
medium term loans will provides to low interest rate for compare to other Competitive banks
likes‟ Pragathi Krishna grameen bank state bank of Mysore and oriental bank of commerce etc
The DCC Bank opened new branches 48 banks for bidar taluka [08482] basavakalyan
[08481]And humanabad [08483] bhalki [08484] and aurad [08485] all the taluka and divides
villages wise and others trust for SHARADA RUDSETI pratapnagarbidar and SAHARDA
naubad bidar Under the britishindia .theorist Attempt to introduce the co-operative method for
solving rural economic problems through institutional financial was made in 1904 with the
objective of encourage thrift. Self help and co-operation amongst agriculturists, artisans and
persons of limited means
It was in the 1921 when some co-operative of bidar was established in the year 1922Under the
Hyderabad co-operative societies act with registration no 20944 dated 13/8/1922With an
objective to provide short term and medium term loans for agriculture purposes. The area of
operation of the bank is extended to the whole of bidar district. After re-alignment of 5 talukas
viz. bidar, aurad, bhalki, humnabad, basavakalyan. Bidar districts population stood of 15.00
lakhs covering 622 revenue villages and 300 wadithandas in the entire district
After re-organization of states the banks opened its first branch at basavakalyan and at Aurad and
humnabad. The actives of the banks has gradually increased, which can be seen From the
statements enclosed. Now, the banks is having [44] branches covering all the revenue
Circles.
The reserve bank of India granted license no. RPCD BG 83-C dated 15thjuly 1988 to the bank
The bank has functioning with an initial share capital of Rs.1671/-and thereafter it has developed
gradually. The bank has grown rapidly in the last 4 decades and its operation
In the district can be seen from the enclosed statement.
Magazine called bidarsahakar for the benefit of farmer in the district. The aim of this
Magazine is to provide education to the farmers in agriculture, marketing, technology
Scientifically management and other important aspect related to agriculture. The magazine is
being published since 1997 with a circular of 1000 copies.
Business hours Monday to Saturday 10 am to 4 pm and the mode of the operations for the DCC
bank facilities cash, cheques, demand draft, and net banking on of the other most useful in
village peoples for (SHG).
Remittance services for the NEFT AND RTGS (national electronic fund transfer) and RTGS
(real time gross settlement) and IFSC code of the main branch DCC bank IFSC code
KSCB0018001 AND contact number 08482-226402,
The address of the n\main branch is Ltd, Basaveshwar chowk, bidar 585-401
NEFT, RTGS AND IMPS CODES FORKARNATAKA DISTRICT CO-OPREATIVE
BANK
You can find Karnataka state co-operative bank NEFT, RTGS and IMPS codes in the table
alongside. Karnataka state co-operative bank NEFT, RTGS and IMPS code is same as IFSC code
and used in net banking. For carrying out these tranctions we need account detail like account
number, holders numbers as per bank records, type of account and ifsc code. Money can be
transferred using any of the three techniques for IMPS, NEFT, RTGS. This all the Karnataka co-
operative central Bank limited at bidar.
 PROMOTERS:
SL.NO. NAME OF THE DIRECTOR DESIGNATION
1. SRI. UMAKANTH NAGAMARPALLI PRESIDENT
2. SRI. VIJAY KUMAR K. LINGOJI DIRECTOR
3. SRI.RACHAPPA B. PATIL DIRECTOR
4. SRI. VIJAYKUMAR S. PATIL DIRECTOR
5. SRI.RAMREDDY GANGWAR DIRECTOR
6. SRI. AMARKUMAR B. KHANDRE DIRECTOR
7. SRI. BHEEMRAO.B. PATIL DIRECTOR
8. SRI. ABDUL SALEEM DIRECTOR
9. SRI. SANJAY SINGH HAJARI DIRECTOR
10. SRI. BASWARAJ HEBBALE DIRECTOR
11. SRI. KASHINATH BEERGI DIRECTOR
12. SRI. PENTAREDDY S. CHANDKAPURE DIRECTOR
13. SRI. JAGANTH REDDY DIRECTOR
14. SRI. RAJGOPAL DIRECTOR
15. SRI. SHARNAPPA SHIVAPPA DIRECTOR
16. SRI. DHULAPPA BIRADAR DIRECTOR
17. SRI. SANGMESH PATIL DIRECTOR
18. SRI.VISHWANATH MALKOD DY.REGISTER C.S
BIDAR
19. SRI. VITHAL REDDY. M YEDMALLE CHIEF EXECUTIVE
OFFICER
 VISION, MISSION AND QULITY POLICY:
VISION
 Vision augments the socio-economic development of the district within the frame
work of co-operative spirit principles.
 Keeping mind decreasing poverty
 Unemloyeement and improvement backwardness ,maximum possible of economic
development in district Bidar model of SHG [[Self Help Group]

MISSION
 To achieve profit with growth by developing banking habits rural people
 To act as a balancing centre between societies and branches and to finance
The co-operative societies
 To provide financial assistance to poor and downtrodden people.
 To encourage thrift and collect savings from members and others.
 To develop, assist, help and co-ordinate the work of afflicted societies.
 To develop the co-operative societies.
 WTO [world trade organization] involves people in the formation
 Managing of the to bank, to assist a needy person for his all round
 Development of the family and village

QUALITY POLICY:

„‟To aim at customer‟s delight by exceeding his expectations through an expectation

blend of quality of service our products and services that we provide”
 PRODUCT & SERVICES:

 Deposits
 Loans
 Internet banking
 Insurance
 Global cards
 Cash management services
 ATM services [Automatic Teller Machine]
 Recovery channel
 NRI services
 Electronic fund transfer [EFT] system
 Demat account
 Cheques facilities
 NEFT facilities [National Electronic Fund Transfer]
 RTGS facilities [Real Time Gross Settlement]

DCC instant – (RTGS system for instant transfer of funds)Real time gross settlement (RTGS) is
a technology based initiative for improment ofPayment & settlement system linked to the funds
managements. RTGS is a gross settlement in which both processing and final settlement of funds
transfer instruction take Place continuously in real time and transfers are settled individually
against the Present clearing system. RTGS settles payments on a transaction basis instead of
settlement basis adopted presently at clearing houses. The funds transfer through
RTGS is instant, final and irrevocable It is aremmitence solution to both corporate customers and
individuals customers For transfer of funds from their accounts with us to other customers of
others Banks branches, which are RTGS,enable Electronic funds transfer (EFT) system

The electronic fund transfer (EFT) system was introduced by the reserve bank established
in 1995 for quick movement of funds between different banks for the bank customers. The
scheme is available for transfer of funds across the banks at 45 branches for taluka in main
branch bidar taluka, basavakalyan taluka, humnabad taluka, bhalki taluka, aurad taluka and
divides villages wise for total branches for DCC bank in 45branches those all branches transfer
for fund (EFT) through more and more use for transfer for transfer funds
 CHEQUES FACILITIES
For more useful in cheques for trading business man when farmer sold to the seeds and
other varieties of seeds for traders provides a cheques to farmers the new generation prime
minister declared everyone transaction should be used in online system for more and more used
chequses the DCC bank will provides well facility for current account holders for used to
undrawn facility also for only regular consumers and current account holders only. Cheques
through transfer from one account to another account it‟s an easy way from transfer from fund in
cheques through
 AREA OF OPERATION:
BRANCHES:
BRANCH PHONE NO. BRANCH PHONE NO.
BIDAR TALUKA BASAVAKALYAN (08481)
(08482)
1. HEAD OFFICE 226402 24. BASAVAKALYAN 250360
2. GANDHI GUNJ 226266 25. RAJESHWAR 258021
3. OSMAN GUNJ 230263 26. BHOSGA 256244
BIDAR
4. ANDURA 241824 27. HULSOOR 253021
5. KAMTHANA 245027 28. MATALA 257423
6. JANWADA 244035 29. MUCHLAMB 256771
7. CHILLERGI 243424 30. MUDBI 259962
8. KRE BIDAR 225576 BHALKI TALUKA (08484)
9. MANHALLI 246024 31. BHALKI 262248
10. GURU NAGAR, 228343 32. HALBARGA 263621
BIDAR
11. S.S. MATH, 234270 33. MEHKAR 269250
BIDAR

12. NSSK SF 206311 34. BHATAMBRA 268026

IMAMPUR
13. NAUBAD BIDAR 232090 35. K-CHINCHOLLI 265205
HUMNABAD 36. LAKHANGAON 267815
TALUKA (08483)
14. HUMNABAD 270035 37. SAIGAON 267161
15. CHITGUPPA 277126 38. SHIVAJI COLLEGE 262831
BHALKI
16. MUTTANGI 278026 39. NITTUR 264442
17.MANNAEKHELLI 276824 AURAD TALUKA (08485)
18. DUBULGUNDI 273637 40. AURAD 280037
19. HALLIKHED(B) 274324 41. WADGAON 283345
20. HUDGI 279250 42. KAMALNAGAR 285224
21. GHATBORAL 275834 43. T-KUSHNOOR 288824
22. SF SITE 274349 44. DABKA 284491
23. BEMALKHEDA 275473 45. SANTHPUR 287624

SHARADA 232810 SAHARDA, naubadbidar 232478

RUDSETI, BIDAR Email:dccbsaharda@yahoo.com 232594
Email:
Dccbrseti@gmail.com
 INFRASTRUCTURAL FACILITIES:

Ambience and Visibility

Good ambience neat & tidy business premises, attractive and comfortable interior couple
with proper visibility has been ensured in all branches and offices, since these factors
substantially impact the business.

Furnishing& Site preparation

Timely& appropriate furnishing of premises to open new branches and offices, furnishing
of branches cutting over to CBS and TBM: Omni were adequately taken care. site preparation for
opening ATM has facilitated bank to accomplish the target. This supportive role facilitates rapid
expansion of core banking and computerization of branches, as planned

Energy saved is energy produced:

Recognizing the fact that the use of energy efficient luminaries like compact fluorescent
lamps saved electricity substantially. Conventional light fittings have been replaced with CFLs
especially semi urban, and metropolitan branches. I all new branches renovated branches and
offices, only CFLs fitting are used. This major step taken by the bank will not only save much
needed electricity but also economize on power charges.
 COMPETITORS INFORMATION:

Mainly competitors are as follows

Canara bank
 Pragathi Krishna grameen bank
 Corporation bank
 State Bank of Hyderabad ( SBH )
 State Bank of India( SBI )
 State Bank of Mysore( SBM )
 Oriental Bank of commerce ( OBC )
 Union Bank of India
 Central Bank of India( CBI )
 Vijay Bank
 Union Bank of India
 Punjab national Bank
 Allahabad Bank
 Andhra Bank
 Bank of Baroda
 Bank of India
 Bank of Maharashtra
 Dena Bank
 Indian Bank
 Indian overseas Bank
 Axis Bank
 SWOT ANALYSIS:

STRENGTHS
 Valuable contributor to GDP
 Regulatory environment
 Government support
 Expertise in mergers and acquisitions and re branding
 Maintains financial strength through a disciplined approaches to balance sheet
management

WEAKNESSES
 Increasing NPA
 Low penetration
 Lack of product differentiation
 Heavy dependence on energy division for topline
 Geographical concentration as most of its revenue generation is from uk

OPPORTUNITIES
 Modern technology
 Untapped rural market
 Globalization
 Positive outlook for green energy sources like fuel cells
 Expansion in other European countries through mergers and acquisitions

THREATS
 Unorganized money lending market
 Customer dissatisfaction
 Rise of monopolistic structures
 Intense competition in IT sector
 Volatile foreign exchange rates
 Increasing compliance cost
 FUTURE GROWTH AND PROSPECT:

Further, he served our bank as a chairman for 28 years continuously and contributed much for
growth and laid solid economic consolidation to the bank his concept of SHG ( Self-Help
Group)is one of the outstanding schemes which helped for rural areas and backward areas.
During this financial year bank has performed well as per development action plan and it is a
matter of proud to state you that our bank has classified as „A „under statutory audit for the year
2015-2016 and earned a net profit of Rs.437.54 crores have been made Our bank has formed
23620 „self help group‟ covered 3, 60,451 lakhs Members and already linked 23494 groups as on
31.03.2016 the loan outstanding Rs.11097.94 lakhs the recovery is 99% SHG S.B deposits with
our bank / PACS as on 31.03.2016 is 5831.22 lakhs. Groups have already been linked with a
tune of Rs.1334.36 lakhs. The bank has awarded by NABARD seven state levels awards for
“best performance oneself help group and joint liability groups” for the year 2013-2014 and
2014-2015.

Rural self employment training institute has (RUDSETI) imparted residential training to un
employed male and female youths in various fields which help them to take self employment in
their native villages. For start up of their ventures, bank has supported them financially in the
loan. 11867 un employed youths have benefitted and started their own carrier.
 ANALYSIS OF FINANCIAL STATEMENT:

Financial statements analysis is the process of examining relationship among elements of the
company‟s “ accounting statements “ or financial statements ( balance sheet, income statement,
statement of cash flow and the statement of retained earnings ) and making comparison with
relevant information. Financial statements analysis is a valuable tool used by investors, creditors,
financial analysts, owner, managers and others in their decision-making process.
The most common known types of financial statements analysis area:
FINANCIAL ANALYSIS: financial ratios analysis is the most common form of financial
statements analysis. Financial ratios illustrate relationships between different aspects of a
company‟s operations and provide relative measures of the firm‟s conditions and performance.
Financial ratios may provide clues and symptoms of the financial condition and indications of
potential problem areas.
Financial ratios are categorized according to the financial aspects of the business which the ratio
measures.
 THE DISTRICT CO-OPERATIVE CENTRAL BANK LTD.BIDAR
Profit & Loss accounts for the year ended 31-03-2016
Audited as on Sl. EXPENDITURE Audited as on
31-03-2015 No 31-03-2016
Amount amount

1,21,47,32,844.91 1 To, interest on deposits and borrowing etc 1,47,94,03,132.91

70,45,43,051.91 a) interest paid on deposits 79,28,25,103.19
51,01,89,793.00 b) interest paid on borrowing 68,65,78,029.00
14,16,03,726.73 2 To, salaries allowances and provident fund 15,92,91,289.36
3,91,664,00 3 To, to directors and local committee members fees 4,91,545.00
allowances
3,15,38,034.82 4 To, rent taxes, insurance, lighting, deposit guarantee 2,74,43,226.05
& computer charges
1,50,843.00 5 To, law charges 1,82,500.00
45,21,767.72 6 To, postage, telegram& telephone charges 55,88,840.05
8,63,998.00 7 To, auditor‟s fees 17,61,716.50
3,15,10,663.55 8 To, depreciation on and repairs to property 5,59,56,759.50
1,33,76,868.43 9 To, stationary, printing & advertisement and 1,40,69,998.63
subscription& contribution etc.
Nil 10 To, loss from sale or dealing with non banking Nil
assets
1,78,39,951.19 11 To, other expenditures 1,68,21,472.86
11,79,26,422.00 12 To, provision for NPA and others 22,25,46,422.00
5,55,33,250.51 13 To, balance of profit 5,98,02,866.72

1,62,99,90,034.87 TOTAL 2,04,33,59,768,86

Audited as on Sl. INCOME Audited as on
31-03-2015 No. 31-03-2016
Amount amount

1,58,54,90,503.62 1 By, interest and discount 2,00,26,31,357.44

1,30,40,81,705.62 a) interest on loans 1,70,79,10,075.79
26,56,65,146.00 b) interest on investments 27,22,42,979.65
1,57,43,652.00 c) dividends on shares 2,24,78,302.00
34,88,695.85 2 By, commissions, exchange and brokerage 27,83,957.20

Nil 3 By, subsidies and donations Nil

Nil 4 By, income from non banking assets & profit Nil

4,10,10,835.40 5 By, other receipts 3,79,44,454.22

Nil 6 By loss Nil

1,62,99,90,034.87 TOTAL
2,04,33,59,768,86
 THE DISTRICT CO-OPERATIVE CENTRAL BANK LTD. BIDAR
The third schedule (see section 29) form „A‟ of balance sheet
As on 31st march 2016.

Audited 31-03-2015 Capital & liabilities Audited 31-03-2016

Amount Amount
1) CAPITAL
Subscribed capital:
As per by law no.4(a)
780062300.00 a) „A‟ class member shares 867100400.00
of Rs. 10000/-
86600.00 b) „B‟ class member shares 86600.00
of Rs.25000/- each of
TAPCMS
540100.00 c) „C‟ class member shares 550100.00
of Rs. 25000/-each of urban
banks
24969500.00 d) „D‟ class shares of 25809500.00
Rs.10000/-each of all other
co-op societies other than
above
0.00 e) „E‟ class member shares 0.00
of Rs.5000/-ach of other
bodies including under u/s
16of KCA act 1959
0.00 f) „F‟ class member shares 0.00
of state government.
as per by law no.4(N)
861503203.00 55844703.00 g) associate member shares 60928814.00 954475414.00
minimum of Rs.10000/-of
person/firm/industry other
corporate bodies including
u/s 16 of KCS act 1959.

2) RSERVE FUND &

OTHER RESRVE:
193502515.05 a) statutory reserve 221895038.05
95272023.26 b) agriculture credit 111302267.66
stabilization fund
107876984.31 c) building and bhavan fund 114963778.31
15041161.81 d) dividend equalization 19155590.81
 2317625.15 e) prov. For int subsidy to 2317625.15
goK
26271701.61 f) bad & doubtful debts 30386130.61
reserve
6137805.70 g) investment depreciation 8195020.70
6405259.00 h) farmers benefit fund 8462474.00
8455615.77 i) common good fund 10512830.77
14532744.31 j) employees benefit fund 18647173.31
3595035.65 k) diamond jubilee fund 3595035.65
14506151.36 l) capital redemption fund 18620580.36
6142206.00 m) co-op development fund 8199421.00
9579763.66 n) capital reserve fund 9579763.66
1070022.00 o) co-operative welfare 1070022.00
fund
17333000.00 p) provision for gap fund 17333000.00
(PACS)
8415525.00 q) PACS development fund 12415525.00
8045741.00 r) development of bank 12160170.00
fund
21976500.00 s) computerization of bank 21976500.00
494960000.00 t) provision for NPA 631480000.00
6990258.38 u) deposit guarantee 9047474.33
(PACS)
8630000.00 v) special prov. (int on infra 8630000.00
loans)
2500000.00 w) SHG & TME cell devt. 2500000.00
Fund
30000000.00 x) prov. For pension fund 35000000.00
(staff)
9143315.00 y) charitable fund 13257744.00
1118700954.02 0.00 z) education fund 0.00 1350703165.37

938825.25 938825.25 2) provision for 938825.25 938825.25

misappropriation

3) PRINCIPLE/
SUBSIDIARY STATE
PARTNERSHIP FUND
Nil a) central co-operative bank Nil
Nil b) other societies Nil Nil

4) DEPOSITS AND
OTHER ACCOUNTS
Fixed deposits
5590627996.18 a) individuals 6242994724.49
 985529370.29 b) primary agriculture co-op 1329485653.29
societies
6702488817.21 126331450.74 c) others 90475288.74 7662955666.52
Saving bank deposits
2934739061.21 a)individuals 2572733759.11
678952614.36 b)primary agriculture co-op 854773521.82
3821337190.71 societies 3655947171.60
207645515.14 c)others 228439890.67

CURRENT DEPOSITS
25104564.25 a) individuals 23383865.74
154149062.36 b) primary agrl co-op 484800802.64
societies
236141921.56 56888294.95 c) others 83619908.46 591804476.84

32656946.32 32656946.32 Other deposits 36383612.32 36383612.32

5) BORROWINGS
From the reserve bank of
India co-op bank
6467757000.00 a) short term loans cash 6956157000.00
credit and overdrafts
2395289692.00 b) medium term loans 1542758346.00
Of which secured against
251932200.00 c) long term loans 850588431.00

9114978892.00 Nil Loans from other sources Nil 9349503777.00

0.00 0.00 6) BILL FOR 0.00 0.00

COLLECTON BEING
BILLS RECEIVABLE AS
PER COUNTRA

51333719.88 51333719.88 7) BRANCH 59068898.08 59068898.08

ADJUSTMENTS

32357223.00 32357223.00 8) OVER DUE 43194718.00 43194718.00

INTEREST RESERVES

9892238.60 9892238.60 9) INTEREST PAYABLE 9739929.60 9739929.60

10) OTHER
LIABILITIES
329616178.43 a) suspense liabilities 449331204.18
 78789823.62 b) sundry liabilities 170631242.58
20852956.10 c) cost of management due 21525520.10
487086958.15 57828000.00 Provision for standard 57828000.00 699315966.86
assets
11) PROFIT & LOSS
Added profit brought from
the profit and loss account
51335045.47 31-03-2014 0.00
55533250.51 31-03-2015 0.00
106868295.98 0.00 31-03-2016 59802866.72 59802866.72

22576285185.68 GRAND TOTAL 24473834488.16

CONTINGENT
LIABILITIES

5427361.22 Outstanding liabilities 5777361.22

Security issued for
guarantee per contra

Audited 31-03-2015 amount Property & Assets Audited 31-03-2016

Amount
930789679.00 1) CASH: 964457394.97
Cash on hand
Bank of India/state bank of
India
930789679.00 Central co-op bank 964457394.97

2) BALANCE WITH
OTHER BANKS:
408791931.47 a) current deposits 240290255.81
408791931.47 0.00 0.00 240290255.81

3) MONEY AT CALL
AND SHORT NOTICE
0.00 00 Call deposit with IDBI 473000000.00 473000000.00

4) INVESTMENTS:
600000000.00 a) in central bank and state 1456645000.00
govt. securities
345775700.00 b) other trustee securities 497464000.00
 1000000.00 c) shares in co-op 1000000.00
institution other than in
item
289100000.00 d) shares with apex bank 294100000.00
90000000.00 e) Investment (other apex 90000000.00
bank)
2505630000.00 f) FD & reserve fund with 1480630000.00
state co-op bank
0.00 g) FD with IDBI bank 30000000.00
3841505700.00 10000000.00 h) FD with NABARD 40000000.00 3889839000.00
(TMD sch.)
5) INVESTMENT OUT
OF THE PRINCIPLE
SUBSIDIARY STATE
PARTNERSHIP FUND
Nil a) central co-operative Nil
bank
12525000.00 1252000.00 Other societies 12525000.00 12525000.00

6) ADVANCES:
13385108355.02 a) short term loan cash 14519148250.52
Credit, overdrafts and bills
discount

Of which secured against:

a) govt and other approved
securities
Rs.10449418434.88

b) other tangible securities

of the advances amount due
from individual Rs.
240320534.00 of the
advance amount overdue
Rs.28125469.00

3510080905.15 c) medium term loans of 3792395790.63

which secured against:
Nil Of the advance amount Nil
overdue Rs.0.00 considered
bad and doubtful of
recovery Rs 0.00

16895189260.17 Nil Of the advance amount due Nil 18311544041.15

from individuals of the
advance amount
 7) INTEREST Nil Nil
RECEIVABLE:
0.00 0.00 Of which overdue 0.00 0.00
considered bad and
doubtful of recovery

0.00 0.00 8) BILLS RECEIVABLE 0.00 0.00

BEING BILLS FOR
COLLECTION
AS PER CONTRA
Nil Nil 9) BRANCH Nil Nil
ADJUSTMENT
65833878.55 65833878.55 10) PREMISES LESS 66363076.55 66363076.55
DEPRECIATION 5%
Rs.6256806.00

34315179.00 34315179.00 11) FURNITURE AND 37772350.00 37772350.00

FIXTURE LESS
DEPRECIATION@10%
Rs.3823231.00
12) OTHER ASSETS:
994657.00 a) Vehicle less depreciation 650216.00
@20% Rs.344441.00
10469863.80 b) forms and ledgers for 11199573.80
use and stationary stock
1817931.50 c) forms and ledgers for 1736861.50
sales
41323146.71 d) computer a/c less 83094281.71
depreciation @ 33.33%
Rs.40397745.00
3114958.00 e) electrical machinery 2922643.50
depreciation Rs.974214.50
384083024.09 326362467.08 Sundries assets 375188259.77 474791836.28
MISAPROPRIATION
90835.00 a) hulsoor branch 90835.00
9979.65 b) jeep fule (HO) 9979.65
190588.00 c) T. kushnoor 190588.00
528169.10 d) osmangunj 528169.10
933908.25 114336.50 e) SF site branch 114336.50 933908.25
2317625.15 2317625.15 Interest subsidy receivable 231762515 2317625.15
from govt.

NIL NIL 13) NON BANKING Nil Nil

ASSETS ACQUIRED IN
SATSIFACTION OF
 CLAIMS (stating mode of
valuation)
Nil Nil 14) PROFIT AND LOSS Nil Nil

22576285185.68 TOTAL 24473834488.16

CONTINGENT ASSETS
5427361.22 Outstanding assets 5777361.22
 THEORETICAL BACKGROUND OF THE STUDY:
“FINANCE SPECIALIZATION”
Introduction of „Finance‟
Finance may be defined as the art and science of managing money. The major areas of finance
are: 1) financial service and 2) managerial finance/corporate finance/financial management.
While financial services is concerned with the design and delivery of advice and financial
products to individuals, businesses and governments within the areas of banking and related
institutions, personal financial planning, investments, real estate, insurance and so on, financial
management is concerned with the duties of the financial managers in the business firm.
Financial managers actively manage the financial affairs of any type of business, namely,
Financial and non financial, private and public, large and small, profit seeking and non-for-
profit. They perform such various tasks as budgeting, financial forecasting, cash management
credit administration, investment analysis, funds management and so on. In recent years

Definition of „Finance‟
External financing is any kind of business funding you acquire from sources outside the
company. Bank loans, investments from private individuals or investments firms, grants and
selling company shares are all examples of external financing.

Finance related disciplines:

Financial management, as an integral part of overall management, is not a totally independent
area. It draws heavily on related disciplines and field of study, such as economics, accounting,
and marketing. Production and quantitative methods. Although these disciplines are interrelated,
there key difference among them. In this section, we discuss these relationships.
Scope of financial management:
Financial management provides a conceptual and analytical framework for financial decision
making. The finance function cover both acquisition of funds as well as their allocation. Thus,
apart from the issue involved in acquiring external funds, the main concern of financial
management is the efficient and wise allocation funds to various uses. Defined. In a broad sense,
it is viewed as an integral part of overall management. The financial management frame work is
an analytical way of viewing the financial problems of a firm. The main contents of this
approach are; what is the total volume of an enterprise should commit? Alternatively, the
principle contents of the modern approach to financial management can be said to be: (1) how
large should an enterprise be, and how fast should it grow?(2) in what form should it hold assets?
(3) What should be the composition of its liabilities?
The three questions posed above cover between them the major financial problems of a firm. in
other words, the financial management. According to the new approach, is concerned with the
solution of three major problems relating to the financial relating to the financial operations of a
firm, corresponding to the three question of investment, financing of dividend decisions. Thus,
financial management, in the modern sense of the term, can be broken down into three major
decisions as functions of finance: (1) the investment decision. (2) The financing decision, and (3)
the dividend policy decision.

“A STUDY ON LOANS AND ADVANCES FOR DCC BANK MAIN

BRANCH NAYAKAMAN BIDAR”.
Definition of „Loans‟
The act of giving money, property or other material goods to another party in exchange for future
repayments of the principal amount along with interest or other finance charges. A loan.
Achievement of percentage of ST, MT, LT loans

percentage%
70

60

50

40

percentage%
30

20

10

0
2010-11 2011-12 2012-13
TYPES OF LOANS:
SHORT-TERM LOANS:
In the case of loans given to members of societies for seasonal agriculture operation,
The period of repayment shall be limited to marketing of the crops subjects to maximum
On year. In case of short term loans givens to member of societies for other purpose approved
By the register the period of repayment shall not exceed one year.

MEDIUM-TERM LOANS:
In the case of midterm loans the period shall not exceed three years provident that the period
Of loans may be enhanced in respect of government‟s loans from NABARD or other agency
Analyzed through the bank for specific purpose as may be communicate by the financing
agencies or the register of co-operative societies from time to time.

LONG-TERM LOANS:
In this case the period of loans shall be 9 to 15 years for the approved schemes of
NABARD/MCD/IDBI or other agencies as per their conditions stipulated from time to time.
Achievement of long term loans (Rs in crores)

210
205
200
195
190
Series1
185
180 Series2
175
170
165
160
155
2010-11 2011-12 2012-13
Definition of „Advance Rate‟
The maximum percentage of the value of a collateral that a lender is willing to extend for a
Loan. The advance rate helps a borrower determine what kind of collateral to bring to the table
In order to secure the desired loan amount, and helps minimize a lender‟s loss exposure when
Accepting collateral that can fluctuate in value.

Banking system occupied an imported place in a nation‟s economy. Banking

Intuitions are indispensable in a modern society. It play pivotal role in the economic
development of a country and forms the money market in an advanced country.
The development of „banking‟ is evolutionary in nature. Theories no single answer to the
question of what is banking. Because a bank performs a multitude of functions and services
which Cannot be comprehended into a single definition. For a conman man, a bank means a store
house of money, for a business it is a institution of financial and for a worker it may be a
depository for his savings.
It may be explained in brief, as “banking is what a bank does” but it is not clear enough to
understand the subject in full. The oxford dictionary defines a bank as “an establishment for the
custody of money which pays out on a customer‟s order.” But this definition is not also enough it
considers the DCC bank loans and advances payment let us briefly trace the evolution of
banking.

Sample design, tables and graphs

Acknowledgements this winter, our research team visited terrace to conduct key informant
Interviews and focus groups, business members, service providers, policy maker and municipal
Staff who took the time to help out and to answer our many questions.

Thanks to the many community members who helped out including dough foster, cliff best,
Melodies Johnson, blain strong guard, and Susanmakela. Specific thanks to members of a local
Advisory group who helped provide input and feedback on the project. This includes Lynne
Christiansen, marlyin Divies, David block, denies fisher, and Andrew Webber. On our research
Team, we wish to thanks chelan Hoffman for her assistance with the statistics Canada data
collection, Joanne Doddridge for her work in arranging and coordinating the interview process.
Research ethics
 Each of the other two research methods used in the study (key information interviews
and focus group) involved interactions with local resident. Because this is a university
based research team, we are bound by standard protocol which identifies that all research
conducted with people be sent to UNBC research ethics board for review and approval
 Key to ethics review is that participants are advised of the purposes of the study
 The participations is voluntary. This information is given in the consent forms
attached in
 Appendices A and B. in addition, it is important that participants be advised as to
how the Research shall protect their anonymity and confidentially through the
process
 How through the analysis no linkages are made between the data and the individuals
 No individuals should be identifiable through the analysis
 Again, these points are described in the applicable consist forms.
 DATA ANALYSIS AND INTERPRETATION
4.1 Loans and Advances Outstanding Analysis (Rs. In lacks)
Years amount Difference Percentage%
2012 81033.56 - 12.5%
2013 87971.71 6938.15 13.61%
2014 127139.69 39167.98 19.61%
2015 168951.09 41811.4 26.06%
2016 183115.13 14164.04 28.25%
TOTAL 648211.18 100%

700000 amount
600000 difference
500000
Percentage%
400000
300000
200000
Percentage%
100000
0 amount
2012 2013 2014 2015 2016 TOTAL

Interpretation:
From the above diagram it is analyzed that the loans and advances outstanding difference amount
is 2012-2013 6938.15 2013-2014 39167.98
2014-2015 41811.4 and 2015-2016 14164.04 lakhs
4.2 Consumer Deposits of the DCC bank Analysis (Rs. In lacks)
Years amount difference Percentage%
2012 60036.58 - 13.09%
2013 79187.81 19151.23 17.27%
2014 91992.08 12804.27 20.05%
2015 107926.25 15934.17 23.53%
2016 119470.91 11544.66 26.05%
TOTAL 458613.63 - 100%

Percentage%

100.00%
90.00%
80.00%
70.00%
60.00%
50.00%
40.00% Percentage%
30.00%
20.00%
10.00%
0.00%
- 19151.23 12804.27 15934.17 11544.66 -
60036.58 79187.81 91992.08 107926.25 119470.91 458613.63
2012 2013 2014 2015 2016 TOTAL

Interpretation:
From the above diagram it is analyzed that the consumers deposits of the DCC bank difference
amount is
2012-2013 19151.23 2013-2014 12804.27 2014-2015 15934.17 and 2015-2016 11544.66
4.3 Borrowings of DCC bank
(Rs in lakhs)
years Amount Difference Percentage%
2012 33583.48 - 10.06%
2013 53501.78 19918.3 16.02%
2014 62174.15 8672.37 18.62%
2015 91149.79 28975.64 27.38%
2016 93495.04 2345.25 28.00%
TOTAL 333904.24 - 100%

100000
90000
80000
70000
60000 lacks) years

50000 lacks) amount

40000 lacks) difference

30000 lacks) Percentage%
20000
10000 lacks) Percentage%
lacks) difference
0 lacks) amount
1 2 lacks) years
3 4 5

Interpretation:
From the above diagram it is analyzed that the borrowers of the DCC bank for five years the
difference mount of each showing the performance. 2012-2013 19918.3. 2013-2014 8672.37.
2014-2015 28975.64. and 2015-2016 2345.25. lakhs
4.4 Investments in DCC bank (Rs in lacks)
Years amount Difference Percentage%
2012 20520.25 - 11.75%
2013 36327.25 15807 20.81%
2014 35467.05 860.2 20.31%
2015 38540.31 3073.26 22.07%
2016 43753.64 5213.33 25.06%
TOTAL 174608.5 - 100%

100%
90%
80%
70%
60% Percentage%
50% difference

40% amount

30%
20%

10%
0%
2012 2013 2014 2015 2016 TOTAL

Interpretation:
From the above diagram it is analyzed that the investments in DCC bank for five years showing
the each two years difference amount. 2012-2013 15807. 2013-2014 860.2. 2014-2015
3073.26 and 2015-2016 5213.33 lakhs.
4.5 Net profit of the DCC bank for the five years (Rs in lacks)
Years Amount difference Percentage%
2012 319.22 - 13.15%
2013 442.46 123.24 18.22%
2014 513.35 70.89 21.14%
2015 555.33 41.98 22.87%
2016 598.03 42.7 24.63%
TOTAL 2428.39 - 100%

2500

2000

1500
amount
1000
difference
500
Percentage%
0 Percentage%
difference
201
2013 amount
2014
2015
2016
TOTAL

Interpretation:
From the above diagram it is analyzed that the net profit of the DCC bank for the five years
difference amount between the each two years. 2012-2013 123.24. 2013-2014 70.89. 2014-
2015 41.98. and 2015-2016 42.7 In lakhs
4.6 Working capital of DCC bank for the five years calculated (Rs in lacks)

Years amount difference Percentage%

2012 108934.76 - 12.14%
2013 151152.45 42217.69 16.85%
2014 174717.26 23564.81 19.47%
2015 222938.10 48220.84 24.85%
2016 239468.91 16530.81 26.69%
TOTAL 897211.48 - 100%

Percentage%

100.00%
90.00%
80.00%
70.00%
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
- 42217.69 23564.81 48220.84 16530.81 -
108934.76 151152.45 174717.26 222938.1 239468.91 897211.48
2012 2013 2014 2015 2016 TOTAL

Percentage%

Interpretation:
From the above diagram it is analyzed that the working capital of DCC bank for the showing of
five years performance for each two years difference amount. 2012-2013 42217.69. 2013-2014
23564.81. 2014-2015 48220.84. and 2015-2016 16530.81.
4.7 Self Help Group of the DCC bank (Rs In lakhs)
YEARS AMOUNT DIFFERENCE PERCENTAGE
%
2012 18409 - 17.48%
2013 19769 1360 18.77%
2014 21092 1323 20.03%
2015 22419 1327 21.29%
2016 23620 1201 22.43%
TOTAL 105309 - 100%

PERCENTAGE %
120.00%

100.00%

80.00%

60.00%

40.00% PERCENTAGE %

20.00%

0.00%
- 1360 1323 1327 1201 -
18409 19769 21092 22419 23620 105309
2012 2013 2014 2015 2016 TOTAL

Interpretation:
From the above diagram it is analyzed that the (SHG) Self Help Group of the DCC bank the
year wise performance will be increases for more usefull in rural and villages for 15 to 20
members are join in this group. For 2012 performance in 17.48% but 2016 performance 22.43%
 4.8Medium term agricultural loans of the detail of advances made for
agricultural operation during the year 2013-2014, 2014-2015, 2015-2016 as
given below (Rs in lacks)
Years amount Difference Percentage
2013-2014 6176.10 - 49.15%
2014-2015 3194.09 2982.01 25.42%
2015-2016 3196.75 2.66 25.44%
TOTAL 12566.94 - 100%

Percentage
100.00%
80.00%
60.00%
40.00%
20.00%
Percentage
0.00%
-
2982.01 2.66
6176.1 -
3194.09
3196.75
2013-2014 12566.94
2014-2015
2015-2016 TOTAL

Interpretation:
From the above diagram it is analyzed that the loaning operation of the for medium term loans
for the general farmers, small farmers, sc/st, others include all those farmers. For the M.T. Agrl
loans operations. For 2013 TO 2016 performance for the DCC banks. Is 49.15% to 25.44%
4.9Paid up share capital of the DCC bank for the five years calculations
(RS IN LAKhS)
YEARS AMOUNT DIFFERENCE PERCENTAGE%
2012 3990.00 - 11.97%
2013 5017.73 1027.73 15.05%
2014 6164.72 1146.99 18.49%
2015 8615.03 2450.31 25.85%
2016 9544.75 929.72 28.64%
TOTAL 33332.23 - 100%

PERCENTAGE%
100.00%
90.00%
80.00%
70.00%
60.00%
50.00%
40.00%
PERCENTAGE%
30.00%
20.00%
10.00%
0.00%
- 1027.73 1146.99 2450.31 929.72 -
3990 5017.73 6164.72 8615.03 9544.75 33332.23
2012 2013 2014 2015 2016 TOTAL

Interpretation:
From the above diagram it is analyzed that the paid up share capital of the DCC bank
performance of the share capital difference amount. 2012-2013 1027.73 2013-2014 1146.99
2014-2015 2450.31 and 2015-2016 929.72 in lakhs.
4.10Statutory and other reserves for the DCC bank for the five years
calculations (Rs in lacks)
YEARS AMOUNT DIFFERENCE PERCENTAGE%
2012 8562.39 - 16.25%
2013 9238.25 675.86 17.47%
2014 10376.26 1138.01 19.63%
2015 11187.01 810.75 21.16%
2016 13507.03 2320.02 25.55%
TOTAL 52870.94 - 100%

PERCENTAGE%

100.00%

50.00%

0.00%
- PERCENTAGE%
675.86 1138.01 PERCENTAGE%
810.75 2320.02
8562.39 9238.25 -
10376.2611187.01
2012 2013 13507.03 52870.94
2014 2015 2016
TOTAL

Interpretation:from the above diagram it is analysed that the statutory and other reserve for the
DCC Bank 2012-2016 calculation for the each year difference amount calculated 2012-2013
Rs.675.86 2013-2014 Rs.1138.01 2014-2015 Rs.810.75 and 2015-2016 Rs.2320.02 in lakhs
4.11 Achievement of percentage of short-term, medium-term long-term loans
TYPES OF LOANS AMOUNT DIFFEREENCE PERCENTAGE %
SHORT-TERM 6956157000.00 - 74.40%
MEDIUM-TERM 1542758346.00 5413398654.00 16.50%
LONG-TERM 850588431.00 692169915.00 9.097%
TOTAL 9349503777 - 100%

PERCENTAGE %
120%

100%

80%

60%

40% PERCENTAGE %

20%

0%
- 5413398654 692169915 -
6956157000 1542758346 850588431 9349503777
SHORT-TERM MEDIUM-TERM LONG-TERM TOTAL

Interpretation:
From the above diagram it is analyzed the achievements of short-term medium-term and long-
term loans was in the short-term percentage 74.40% medium-term 16.50% and long-term
9.097%
4.12NABARD sanctioned For short-term loans . (Rs in lakhs)
Years amount Difference Percentage
2013-2014 38123.28 - 24.44%
2014-2015 62213.57 24090.29 39.89%
2015-2016 55635.64 6577.93 35.67%
TOTAL 155972.49 - 100%

percentage
100.00%
90.00%
80.00%
70.00%
60.00%
50.00%
40.00%
30.00%
percentage
20.00%
10.00%
0.00%
-
24090.29
6577.93 -
38123.28
62213.57
55635.64
2013-2014 155972.49
2014-2015
2015-2016 TOTAL

Interpretation:
From the above diagram it is analyzed NABARD sanctioned agriculture loans
for the short-term loans for the development of the agriculture field. For three
years performance 2013-2016. 2013-2015 difference amount 24090.29 and
2015-2016 difference amount 6577.93.
4.13NABARD sanctioned Medium-term loans. (Rs in lakhs)
years Amount Difference Percentage%
2013-2014 17419.67 - 25.68%
2014-2015 26472.21 9052.54 39.03%
2015-2016 23933.46 2538.75 35.29%
TOTAL 67825.34 - 100%

Percentage%

100.00%

90.00%

80.00%

70.00%

60.00%

50.00%

40.00% Percentage%

30.00%

20.00%

10.00%

0.00%
- 9052.54 2538.75 -
17419.67 26472.21 23933.46 67825.34
2013-2014 2014-2015 2015-2016 TOTAL

Interpretation:from the above diagram it is analyzed that NABARD sanctioned of the

medium-term loans for the three years performance. And2014-2015 difference amount is9052.54
and 2015-2016 difference amount is 2538.75
 FINDINGS:

 Advances during the study period. This has increased the risk to risk to get more
profitability.
 The priority sector loans & advances is increased in rate at the trend this loan regulates
the banks in better performance.
 Cash credit & overdraft have been gradually increasing trend this results into investment
in higher profitability & deduction in liquidity.
 Unsecured loans have also been increase in at a greater rate this has immense increase
the risk of the bank since there is no security.
 Loans covered by govt or bank securities is increasing during the study period this is a
secured investment which prevents the bank from untoward events.
 Bank advance outside India is increasing gradually with moderate fluctuation. This
increases the risks in term of country forex risk.
 SUGGESTIONS:
 DCC bank adopted only print media for advertisement; it should go for television
Advertisement for creating awareness among cost
 Bank should capture the competitors (like SBM, SBH, SBI etc) marketed by coming
out with Better service and offers
 The bank should adopt the online service to the new and old customers.
 Many of the employees / customer need ATM facilities in the bank. So the bank
Should provide it shortly.
 Biometrics should be introduced.
 Usage of new technology on increased scale.
 Control on NPA‟s to be continued.
 Simply & rationalize the loan sanction procedure.
Bank can tie up with education institution for increasing education loan segment.
Because Bidar has lot of education institution, catering education needs medicine, PG
courses for MBA, MSc, etc and engineering management,
 CONCLUSION:
Such has loans and advances as are granted by banking company to its whole time director for
the purpose of purchasing furniture, car, personal computer or constrictions / acquiring house for
personal use, festival advance with the prior approval of RBI and on such terms & conditions as
may be stipulated by it IDBI (Industrial Development Bank of India) as bank quit often deal with
Unlisted company‟s disclosure requiremts for such companies above a specific turnover may be
made akin to those for listed company‟s viz. consolidated balance sheet; segmental reporting etc.
information on large share holding also will be useful. The company has made loans and
investments or given guarantees or provided securities to other business entities as detailed in
annexure. And has complied with the provisions of the companies act, 1956. Loan application
forms in respect of all categories of loans irrespective of the amount of loan sought by the
borrower should be comprehensive. With a view to bringing in fairness and transparency, banks
are advised that they must transparently disclose to the borrower all information about fees /
charges payable for processing the loan application, the amount of fees refundable if loan
amount is not sanctioned / disbursed, pre payments options and charges, if any, penalty for
delayed repayments if any, conversion charges for switching loan from fixed to floating rates or
vice versa, existence of any interest of the borrower. Such information should also be displayed
on the website of the banks for all categories of loan products.
 BIBLIOGRAPHY:

 Annual reports of the DCC Banks

 Bank reports and Maxine‟s
 Indian banker published by Indian Banks Association

WEBSITES
www.Google.co.in
www.DCC bank .com
www.loans and advances .com
www.RBI.com

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7. Bhadrappa Haralayya and P. S. Aithal, “A Study On Structure and Growth of Banking
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EFFICIENCY USING MEAN, International Journal of Innovative Research in Science,
Engineering and Technology (IJIRSET), Volume 10, Issue 6, June-2021 ,Page no: 6391-6397,
Available at: http://www.ijirset.com/upload/2021/june/97_INTER_NC1.pdf
16. BHADRAPPA HARALAYYA, P.S.AITHAL , ANALYSIS OF TOTAL FACTOR
PRODUCTIVITYAND PROFITABILITY MATRIX OF BANKS BY HMTFP AND FPTFP,
Science, Technology and Development Journal, Volume 10, Issue 6, June-2021, Page no:
190-203, Available at: http://journalstd.com/gallery/23-june2021.pdf
17. BHADRAPPA HARALAYYA, P.S.AITHAL , ANALYSIS OF BANKS TOTAL FACTOR
PRODUCTIVITY BY AGGREGATE LEVEL, Journal of Xi'an University of Architecture &
Technology, Volume 13, Issue 6, June- 2021 ,Page no: 296-314, available at:
https://www.xajzkjdx.cn/gallery/28-june2021.pdf
18. Bhadrappa Haralayya, P S Aithal, "ANALYSIS OF BANKS TOTAL FACTOR
PRODUCTIVITY BY DISAGGREGATE LEVEL", International Journal of Creative
Research Thoughts (IJCRT), Volume.9, Issue 6, June 2021, pp.b488-b502, Available at
:http://www.ijcrt.org/papers/IJCRT2106187.pdf
19. Haralayya B. Importance of CRM in Banking and Financial Sectors Journal of Advanced
Research in Quality Control and Management 2021, 6(1): 8-9
20. Haralayya B. How Digital Banking has Brought Innovative Products and Services to India.
Journal of Advanced Research in Quality Control and Management 2021; 6(1): 16-18
21. Haralayya B. Top 5 Priorities That will Shape The Future of Retail Banking Industry in India.
Journal of Advanced Research in HR and Organizational Management 2021; 8(1&2): 17-18.
22. Haralayya B. Millennials and Mobile-Savvy Consumers are Driving a Huge Shift in The
Retail Banking Industry. Journal of Advanced Research in Operational and Marketing
Management 2021; 4(1): 17-19
23. Haralayya B. Core Banking Technology and Its Top 6 Implementation Challenges. Journal of
Advanced Research in Operational and Marketing Management 2021; 4(1): 25-27
24. Nitesh S Vibhute ; Dr. Chandrakant B. Jewargi ; Dr. Bhadrappa Haralayya . "Study on Non-
Performing Assets of Public Sector Banks" Iconic Research And Engineering Journals
Volume 4, Issue, 12 June 2021, Page 52-61 Available at
https://irejournals.com/formatedpaper/1702767.pdf
25. Haralayya, Dr. Bhadrappa and Saini, Shrawan Kumar, An Overview on Productive Efficiency
of Banks & Financial Institution (2018). International Journal of Research, Volume 05 Issue
12, April 2018, Available at SSRN: https://ssrn.com/abstract=3837503
26. Haralayya, Dr. Bhadrappa, Review on the Productive Efficiency of Banks in Developing
Country (2018). Journal for Studies in Management and Planning, Volume 04 Issue 05, April
2018, Available at SSRN: https://ssrn.com/abstract=3837496
27. Basha, Jeelan and Haralayya, Dr. Bhadrappa, Performance Analysis of Financial Ratios -
Indian Public Non-Life Insurance Sector (April 30, 2021). Available at
SSRN: https://ssrn.com/abstract=3837465.
28. Haralayya, Dr. Bhadrappa, The Productive Efficiency of Banks in Developing Country With
Special Reference to Banks & Financial Institution (april 30, 2019). Available at
SSRN: https://ssrn.com/abstract=3844432 or http://dx.doi.org/10.2139/ssrn.3844432
29. Haralayya, Dr. Bhadrappa, Study on Performance of Foreign Banks in India (APRIL 2, 2016).
Available at
SSRN: https://ssrn.com/abstract=3844403 or http://dx.doi.org/10.2139/ssrn.3844403
30. Haralayya, Dr. Bhadrappa, E-Finance and the Financial Services Industry (MARCH 28,
2014). Available at
SSRN: https://ssrn.com/abstract=3844405 or http://dx.doi.org/10.2139/ssrn.3844405
31. Haralayya, Dr. Bhadrappa, E-payment - An Overview (MARCH 28, 2014). Available at
SSRN: https://ssrn.com/abstract=3844409 or http://dx.doi.org/10.2139/ssrn.3844409 .
32. Bhadrappa Haralayya . "Customer Satisfaction at M/s Sindol Bajaj Bidar" Iconic Research
And Engineering Journals, Volume 4 ,Issue 12, June 2021, Page 157-169 Available at:
https://irejournals.com/formatedpaper/1702792.pdf
33. Bhadrappa Haralayya . "Ratio Analysis at NSSK, Bidar" Iconic Research And Engineering
Journals, Volume 4, Issue 12,June 2021, Page 170-182 Available at:
 https://irejournals.com/formatedpaper/1702793.pdf
34. Bhadrappa Haralayya . "Financial Statement Analysis of Shri Ram City Union Finance"
Iconic Research And Engineering Journals, Volume 4, Issue 12,June 2021, Page 183-196
Available at: https://irejournals.com/formatedpaper/1702794.pdf
35. Bhadrappa Haralayya . "Employee Job Satisfaction at Big Bazaar" Iconic Research And
Engineering Journals, Volume 4, Issue 12, June 2021, Page 197-206 Available at:
https://irejournals.com/formatedpaper/1702795.pdf
36. Bhadrappa Haralayya . "Effect of Branding on Consumer Buying Behaviour at Vijay Bharat
Motors Pvt Ltd, Bidar" Iconic Research And Engineering Journals, Volume 4, Issue 12, June
2021, Page 207-222 Available at: https://irejournals.com/formatedpaper/1702796.pdf
37. Bhadrappa Haralayya . "Study on Customer Perceptions Guru Basava Motors, Bidar" Iconic
Research And Engineering Journals, Volume 4, Issue 12,June 2021, Page 223-231 Available
at: https://irejournals.com/formatedpaper/17027972.pdf

38. Bhadrappa Haralayya . "Study on Loans and Advances for DCC Bank Main Branch
Nayakaman, Bidar" Iconic Research And Engineering Journals, Volume 4, Issue 12, June
2021, Page 232-242 Available at: https://irejournals.com/formatedpaper/1702798.pdf

39. Bhadrappa Haralayya . "Work Life Balance of Employees at Karanja Industries Pvt Ltd,
Bidar" Iconic Research And Engineering Journals, Volume 4, Issue 12, June 2021, Page 243-
254 Available at: https://irejournals.com/formatedpaper/1702799.pdf

40. Bhadrappa Haralayya . "Working Capital Management at TVS Motors, Bidar" Iconic
Research And Engineering Journals, Volume 4, Issue 12, June 2021, Page 255-265 Available
at: https://irejournals.com/formatedpaper/1702800.pdf

41. Haralayya, Dr. Bhadrappa, Testing Weak Form Efficiency of Indian Stock Market – An
Empirical Study on NSE (April 30, 2021). Emerging Global Strategies for Indian Industry
(ISBN: 978-81-910118-7-6), 2021, Available at SSRN: https://ssrn.com/abstract=3837488

42. Haralayya, Dr. Bhadrappa, Top 10 Ways to Improve the Communication Skills (JUNE 20,
2016). Available at
SSRN: https://ssrn.com/abstract=3844410 or http://dx.doi.org/10.2139/ssrn.3844410
43. Haralayya, Dr. Bhadrappa, Multi-Inter-Trans Disciplinary Research Towards Management
and Commerce (July 25, 2016). Available at SSRN: https://ssrn.com/abstract=3847404

44. Bhadrappa Haralayya . "Advertising Effectiveness With Reference to Big Bazaar" Iconic
Research And Engineering Journals, Volume 5, Issue 1, July 2021, Page 101-110 Available
at: https://irejournals.com/formatedpaper/1702831.pdf

45. Bhadrappa Haralayya . "Analysis of Non Performing Asset on Urban Cooperative Bank in
India" Iconic Research And Engineering Journals, Volume 5, Issue 1,July 2021, Page 111-121
Available at: https://irejournals.com/formatedpaper/1702832.pdf

46. Bhadrappa Haralayya . "Ration Analysis With Reference to DCC Bank" Iconic Research And
Engineering Journals, Volume 5, Issue 1, July 2021, Page 122-130 Available at:
https://irejournals.com/formatedpaper/1702833.pdf

47. Bhadrappa Haralayya . "Consumer Buying Behavior With Reference to Bajaj Auto Ltd"
Iconic Research And Engineering Journals, Volume 5, Issue 1, July 2021, Page 131-140
Available at: https://irejournals.com/formatedpaper/1702834.pdf

48. Bhadrappa Haralayya . "Sales Promotion With Reference to Yamaha Motor" Iconic Research
And Engineering Journals, Volume 5, Issue 1, July 2021, Page 141-149 Available at:
https://irejournals.com/formatedpaper/1702835.pdf

49. Bhadrappa Haralayya . "Financial Statement Analysis Using Common Size on Mahindra
Sindol Motors" Iconic Research And Engineering Journals, Volume 5, Issue 1, July 2021 ,
Page 150-159 Available at: https://irejournals.com/formatedpaper/1702836.pdf

50. Bhadrappa Haralayya . "Loans And Advances with Reference to PKGB Bank" Iconic
Research And Engineering Journals, Volume 5, Issue 1, July 2021, Page 160-170 Available
at: https://irejournals.com/formatedpaper/1702837.pdf

51. Bhadrappa Haralayya . "Study on Trend Analysis at John Deere" Iconic Research And
Engineering Journals, Volume 5, Issue 1, July 2021, Page 171-181 Available at:
 https://irejournals.com/formatedpaper/1702838.pdf

52. Haralayya B, Aithal PS. Study on Cost Efficiency in Indian and Other Countries Experience.
Journal of Advanced Research in HR and Organizational Management 2021; 8(1&2): 23-30.

53. Haralayya B, Aithal PS. Study on Theoretical Foundations of Bank Efficiency. . Journal of
Advanced Research in Operational and Marketing Management 2021; 4(2): 12-23.

54. Haralayya B, Aithal PS. Study on Profitability Efficiency in Indian and Other Countries
Experience. Journal of Advanced Research in Quality Control and Management 2021; 6(2):
1-10.

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