Source of Fund:

The main source of fund of this society is share capital collected from share
holders which is limited to Rs.50crores and with 4500 members Acceptance of
deposits from members. Its own funds which are created out of profits and
borrowing from district central co-operative banks in case of need.

The Society collects surplus money from the members as deposits for the
safety of the public, money collected are preserved by banks and interest at a
certain rate is given on the amount of deposits, the deposits are beneficiary because
they get a certain rate of interest on deposits, besides the safely of their amount on
the other hand, the society can earn some money on the amount collected in the
form of deposits. To suit the various requirements of the depositors the society has
introduced different schemes. They are as follows:
1. Savings Deposits
2. Loan on Saving Account
3. Fixed deposits
4. Recurring deposits

The Society has collected different types of deposits form 2014-15 to 2018-
2019 are as follows.
Table showing various types of deposits collected by society:
Sl. Types of Deposit 2014-15 amt 2015-16 amt 2016-17 amt 2017-18 amt 2018-19 amt
No in lakhs (Rs) in lakhs (Rs) in lakhs (Rs) in lakhs (Rs) in lakhs (Rs)
1 Savings Deposits 851.29 953.13 985.26 1038.23 1101.52
2 Loan on SB 236.89 289.26 326.21 370.52 440.56
3 Fixed Deposits 701.53 781.69 899.26 935.50 966.71
4 Recurring Deposits 0.98 1.29 1.53 1.92 2.13

5 Total 1790.69 2025.37 2212.26 2346.19 2506.92

 From the above table we can conclude that from 2014-15 to 2015-16 the
total deposit has been increased of 234.68 lakhs and from 2015-16 to 2016-17. The
total deposit increased to 186.89 lakhs and the year 2016-17 to 2017-18. The
deposits were increased to 133.91 lakhs as compared to previous year the deposit
collected got steady growth. In the year 2017-18 to 2018-19 the deposits got
increases. It has been came up to 164.75 lakhs.
Table showing total deposits collected by the society from
2015 to 2019 (in lakhs.)
Year Deposits (Rs)
2015 1790.69
2016 2025.37
2017 2212.26
2018 2346.17
2019 2510.92

Representation of Total Deposits Collected by the Society in Bia

3000
2510.92
2500 2346.17
2212.26
2025.37
2000 1790.69

1500

1000

500

0
2015 2016 2017 2018 2019
Diagram.
Lending of the Society:
Society provides loan on the surely of land of the members amounting upto
Rs.5,00,000/- the rate of interest charged is 7% and can repay the loan amount in
100 equal monthly installment.
The society provides the loan on the surely of gold ornaments for a
maximum amount of Rs.3,00,000/- the loan is given on the basis of 65% of the
appraises value of the gold. The rate of interest charged is 11.50% the amount
should be repaid within 12 months on daily basic.
Vehicle loan is provided by the society on the surely of vehicles, for 2
wheelers rate of interest for repayable in 40 and 60 installment respectively.
The society gives loan on the surely of fixed assets upto Rs.10,00,000 with a
rate interest of 12% and it gives loan on surely of salary of its staff the interest rate
is 11.50% and it provides loan to its member on the basic of deposits at 12%
interest.
Loan is also given to improve the members business the minimum amount
of loan is Rs.50,000/- and maximum limit is Rs.3,00,000/- with interest of 11.50%.

Table showing total lending of the Society

Year Loan amount

(in Rs. in lakhs)
2015 2098.25
2016 2156.32
2017 2298.12
2018 2336.85
2019 2506.92
Representation of loans and advances given to the members from
2015 to 2019

2600
2506.92
2500
2400 2336.85
2298.12
2300
2200 2156.32
2098.25
2100
2000
1900
1800
2015 2016 2017 2018 2019

From the above table, we come to know the total lending of the society from
2015 to 2019. As the loans and advances given are increasing year by year this
shows the improvement and lending capacity of the society.

Types of Credit provided to its members details :

Different types of loan as credit in co-operative credit society by which it
provides lending facilities to its members are as follows.
1. Kissan Credit Card
2. Loan on Fixed Deposit
3. Loan provided on Gold ornaments
4. Members SHG loan
5. Loans providing on PF for staff
6. Loan on MT loan
 1. Kissan credit card (KCC) :
Kissan credit card is a Agriculture loan provided by the society to its members on
members own responsibility. Amount of loan provided to the customers by having acre of land.
Loan amount will be sanctioned for 1acre is Rs.28500 for paddy and 1acre is Rs.54000 for
sugarcane. Interest of the loan 7% claimed by the government.

Following is the table showing total Kissan credit card provided to members
from 2014-15 to 2018-19

Year Total KCC loan (Rs. in lakhs)

2014-15 175.25
2015-16 199.26

2016-17 236.52
2017-18 255.36
2018-19 306.10

The following in the diagram showing total KCC loan provided by the society.
350
306.10
300
255.36
250 236.52
199.26
200 175.25

150

100

50

0
2014-15 2015-16 2016-17 2017-18 2018-19
2. Loan on Fixed Deposit:
The members are provided loan on their fixed deposits is which they have
the amount is it which is not available for withdrawals. So society provided this
loan at the rate of interest 12% on their deposits.

Following is the table showing total loan provided on fixed desposts

Year Total loan (Rs. in lakhs)
2014-15 28.36
2015-16 35.36
2016-17 48.55
2017-18 55.69
2018-19 63.46

Diagram of total loan on fixed deposits:

70
63.46
60 55.69
48.55
50

40 35.36
28.36
30

20

10

0
2014-15 2015-16 2016-17 2017-18 2018-19
3. Loan provided on Gold ornaments:
The society provides gold ornaments loans means on the surety of gold
ornaments for maximum amount of 8 lakhs. The loan is given on the basic of 60%
of the appraiser value of gold. The rate of interest charged is 11.5%.

Table showing total gold ornament loan provided to members from 2014-15 to
2018-19
Year Total loan (Rs. in lakhs)
2014-15 1379.26
2015-16 1423.74
2016-17 1575.39
2017-18 1655.36
2018-19 1752.79

The following diagram showing total gold ornament provided.

2000

1800 1752.79
1655.36
1575.39
1600
1379.26 1423.74
1400

1200

1000

800

600

400

200

0
2014-15 2015-16 2016-17 2017-18 2018-19
4. Members SHG loan :
Society provides loans for SHG upto Rs.8 lakhs with the rate of interest at
12%. SHG(Self help group) is contains group of members around 10 or 12.
Table showing the total SHG loan provided to members from 2014-15 to
2018-19.
Year Total loan (Rs. in lakhs)
2014-15 155.96
2015-16 185.36
2016-17 222.36
2017-18 298.35
2018-19 361.30

Diagram Representing total loan provided for SHG from 2014-15 to 2018-19.
400
361.30
350
298.35
300

250 222.36
200 185.36
155.96
150

100

50

0
2014-15 2015-16 2016-17 2017-18 2018-19
5. Loans providing on PF for staff :

This type loan is provided to the staff of having money in provident fund
account with interest of 11.5%.

Following is the table showing total loan lent on PF loan from 2014-15 to
2018-19.

Year Total loan (Rs. in lakhs)

2014-15 6.33
2015-16 7.36
2016-17 8.25
2017-18 9.36
2018-19 13.59

Diagram showing the total loan lent on Recurring deposit:

16

14 13.59

12

10 9.36
8.25
8 7.36
6.33
6

0
2014-15 2015-16 2016-17 2017-18 2018-19
 6. Loan on MT loan :
This loan is provided to the customer for medium term upto the limit of
3lakhs in secure buying milch animal.
Following table shows the total loan on vehicle loan from 2014-15 to
2018-19.
Year Total loan (Rs. in lakhs)
2014-15 3.5
2015-16 4
2016-17 4.5
2017-18 4.8
2018-19 5

From the above table we can conclude the loan taken on MT loans are increased in
2015-16 and no majors till 2018-19.

Diagram shows the total loan on MT:

6.00
5.00
5.00 4.80
4.50
4.00
4.00 3.50

3.00

2.00

1.00

0.00
2014-15 2015-16 2016-17 2017-18 2018-19