Vijaya Kumar D v-mb193243 Tarak

A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
CHAPTER-1
INTRODUCTION
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INTRODUCTION ABOUT TOPIC
The marketing strategy combines all the marketing goals and objectives of the
company into a comprehensive plan. Entrepreneurs chart successful marketing
strategies from market research. They also focus on the right mixed product so that
they get the most out of it.
Cooperative banks may be a leading entity involved in the lending

process, proposing the act of disposing of cash, property or various commodities to
its customers, which may settle interest or various financing fees in lieu of
compensation in the future, which may serve as a co-incentive to encourage the
lender in the loan transaction. In the case of consolidated loans, the term is
formally set in writing before the exchange. When a lender needs a security
mortgage, equivalents such as a commitment agreement are specified. Most loans
have legal terms associated with the largest interest to be collected. In addition, the
treaty states how much time I spent before this compensation was needed. The loan
can also be accessed as an open credit up to a one-time fixed amount or fixed sale
amount. They need people, companies, finance, corporations, businesses, and so
on.
The survey unit will bless economic growth. It leads to the expansion of
overall cash resources in the economy, increases competition, introduces a flood of
startups and contributes to business expansion. Area business unit is the primary
source of income for business entities such as individuals and companies
expanding the scope of credit facilities.
The tile gold loan model, in which the reader distributes financial assets
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over time among the leaders associated with the borrower, the borrowers initially
receive the amount of cash from the borrower. Since the lender is required to repay
it in regular installments, this service is often provided at the rate indicated as
interest on the full gold point of the regular payment type, with the amount paid
intermittently installed. There is also a receiver
As the supplier of the gold loan, it is subject to the binding limitations of the loan
terms indicating that the loan is sufficient and inadequate, which is one of the
primary functions of each corporation. For the issuance of various articles of
association, bonds serve as a distinctive offer of financing. Legally, a loan is a
written agreement of promise between two parties, through which one of the
parties, i.e. one person, agrees to provide the cash amount to one person and the
UN agency to each other in the same amount or in a set amount of your time.
Additional payments of the rental fee on the funds provided to the person in this
agreement, the unit area of the funds will be in the hands of the person (interest).
TYPES OF LOAN:
Secured
Secured loan means that the borrower pledges certain assets (such as gold) as
security for the loan. Mortgage loans are loans that many people use to buy a
home. In this setting, funds are used to purchase the property. However, a home
mortgage is guaranteed to the financial institution - until the mortgage is paid in
full. If the borrower defaults on the loan, the financial institutions have the right to
repurchase and sell the home.
Insecure
Unsecured loans are unsecured financial loans against the borrower's
assets. These are in the market from many alternative forms or money company
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under bundle sales.
 Personal loans
 Credit card debt
 Credit facilities or lines of credit
 Financial institutes bill of exchange
 Corporate bonds ets.
A STUDY ON THE ATTITUDE TOWARDS GOLD LOAN
Gold debt has become the basis for creating new monetary products such as loans
This paper seeks to raise awareness on nursing in relation to the Indian gold loan
market and to glorify the buying perspective towards gold loans. The paper uses
both primary and secondary sources to compose information. To glorify the
buyer’s perspective, data were collected from eighty respondents. India is one of
the largest gold and credit markets.
Gold can be an important storehouse and inflation hedge. As gold costs
increased, borrowers were found to be raising more money with a similar
collateral. With gold loans, small individual players skip those in mega-cities to
take advantage of corporate loans and have gold jewelry.
1.1-IMPORTANCE OF THE GOLD LOAN

In this day and age, debt occupies an important place. Everyone should buy a lot
of things and utilities, but it is unpredictable in all cases. Costs are high and
personal wages are equal to them. The expansion peaked, but the level of wages
continued as before. Therefore, there will be extraordinary pressure on the
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breadwinner to bear all the family expenses.
So loans have become the solution to every one of these problems. There are many
answers to these problems. There are many types of loans that are closely
accessible. The idea is to buy a lot of things but for people who can’t afford it.
Branch company
The branches play an important role in building the image of the association. The
wide organization of branches allows an acceptable bank to stay close to the
customer. Site and Branch Access are two basic models for customers to choose a
specialist cooperative. There has been a huge expansion of customers as a result of
the agreed bank development move.
Rapid reaction time:

Unparalleled help deepens trust and customer relationship. At the same time, a lack
of adequate help can destroy these connections. Similarly, gold loans are on the
positive side of getting a quick opportunity to the central bank. This can be
achieved without changing the validation framework.
Customer Appreciation:
Consumers will be with an expert if they are unable to process the cost they deem
reasonable depending on the nature of the item they are receiving. Clients are
expected to maintain the appropriate cost of assistance available to them, at the
lowest possible cost. The agreed bank has the opportunity to act as it is thought and
offer loans with less financing costs than in a risky place.
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Standard and straightforward trading methods:

Maqbool offers direct exchange, which undoubtedly places all the conditions on
credit reports and works with a standard trading method, which provides better
accommodation for clients.
Access to Assets:
In this way the policies accepted by the credit institution do not face any
limitations. The informal zone operates on property reserves, which limit the
ability to lend in good condition.
SIGNIFICANCE OF THE STUDY

.Significance of gold loans in today’s life is lays tricky question for wall those.
who think that taking a loan is being unreasonable is aperson with no enough
financial capacity hate to be subjected procrastinate and wait for so long before
meeting his or her own dreams is he or she has no financial capacity to do the at
the hour of need? His he or she not entitled to fulfill his desire on time? Should
she or he stop having design on the basis of financial grounds? all these questions
amount to one absolute answer no!this is simple because there is a solution to all
such questions and problems cash loans is are available for such situations only
short term financial loans are available two people who might be in critical
financial crisis employed as they offer an alternative budget before the pay day
arise it feels bad when a person seeks assistance from the relative only to be given
negative answer before even given a chance to present the needs these loans come
to the rescue of such people and time
They may be a time that a person can require large amounts of money which
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should be provide on time to meet various demand which when foregone aperson
can we see a lifetime opportunity some of these type of loans include home
improvement loans students loan business loan and holiday trips among others.
1.2-STATEMENT OF THE PROBLEM

COMPITATION:
Non-bank financial companies like ours are expected to be pioneers in expanding
and popularizing the gold lending business. Banks with a significant advantage in
terms of cost of funds can expand their gold lending business by offering it at a
lower interest rate than NBFCs. Time has major disadvantages in terms of
operating costs.This is the top to run a business. The unorganized sector, for which
volume data is not available, can still meet the needs of its niche clients.
Fall in collective value:

It is believed that there are a number of risk management mechanisms that
allow for a weakening in the value of security, such as a fall in the price of gold, a
significant drop in value and staying at those levels, and at the same time, a threat
to our business by borrowers who lose emotional attachment to the collateral.
Reverse organizational changes:
We believe that the regulations of our sectors have enacted appropriate
regulations to regulate this sector, and future developments that require a
regulatory framework for agriculture will adversely affect the growth and
sustainability of this sector.
Alternative loan products:

The growth of this sector mainly depends on the availability of gold
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jewelery with borrowers and its willingness to take over. The popularity and
availability of other loan products, such as personal loans, loans against real estate
and home loans, will reduce the demand for gold loans.
Industry Introduction:
System of Indian Financial Institutions
The country’s financial institutions and corporate governance are
undergoing a massive “change”. India is one of the fastest growing economies in
the world. The financial institution dates back to 1786, the first financial institution
to be established in India, the nationalization of financial institutions in 1969 and
most recently their simplification since 1991.
India Financial Corporation is the lifeblood of the country. The network of
more than 62,500 offices is spread across the country and serves nearly 40
depositors. Funding the diverse needs of more than 6 entrepreneurial clients
provides a national framework for clearing and resolving payments. Important
sectors of the economy such as agriculture, industry, commerce and financial
institutions play an important role in GDP growth. According to revised estimates
released by the Central Statistical Organization (CSO) in May 2017, real GDP rose
from 11.5 in 2017-18 to 10.6 and an 18-year high in 2018.
System structure of financial institutions

The system structure of financial institutions is financial and legal.
Economic development and the expansion of financial institutions usually require
an increase in the services of financial institutions. Demand for the services of
these financial institutions affects the structure and organization of the financial
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institution. National goals and aspirations lead to government control, which has a
profound effect on the structure of the financial institution.
According to the IBA Prospectus, financial institutions in India are classified
into six main categories: public sector financial institutions, private sector financial
institutions, foreign financial institutions, government co-operative financial
institutions, regional co-operative financial institutions and primary co-operative
financial institutions. Management companies.
Vasantha Desai (2015) from the book "Financial Institutions and
Organizational Management" classifies the structure of financial institutions in
India into three main sectors.
 Financial Commercial financial institutions
 Cooperative Society
 Other companies.
COMMERCIAL FINANCIL INSTITUTIONS

Commercial financial institutions are the oldest, largest and fastest growing
financial intermediaries in India. They are also among the most important
depositors in the public sector and the most important distributor of financing. The
commercial financial institution in India is a unique system found nowhere else in
the world.
Functions of Commercial Financial Institutions:
Commercial financial institutions in India can be broadly classified into two
categories. They are
 Public sector financial institutions
 Sector Private sector financial institutions
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Public sector financial institutions

Public sector financial institutions refer to commercial financial
institutions owned by the Central Government either directly or through the
Reserve Bank of India. Also known as national financial institutions. Created by a
special cat approved by Parliament. The Consolidated Financial Institute of India is
one of the 14 major public sector financial institutions in India, nationalized on
July 19, 1969. Prior to this, the Consolidated Financial Institute of India Limited,
one of the public sector financial institutions, had been cultivated since 1950 by the
merger of four financial institutions. Camilla Financial Institutes Limited (1918),
Federation of Camilla Financial Institutes Limited. (1922) and Hoagley Financial
Institutes Limited (1932).
Public sector financial institutions can be classified into two categories. They
are:
Government financial institutions in India
Affiliates Financial Institutions
14 nationalized financial institutions
Regional Rural Financial Institutions
6 nationalized financial institutions
National Financial Institutions

By 1960, the development of Indian financial institutions had become an
important tool for the development of the Indian economy. At the same time, she
became a major employer, and confirms the discussion on the possibility of
nationalizing the financial institutions industry, during which Indian Prime
Minister Indira Gandhi expressed the intention of the Government of Israel in the
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Annual All. India Conference Session in the paper "Deviant Ideas in

Nationalization of Financial Institutions".
Private Sector Financial Institutions:

A private financial institution in India has been practicing since the inception
of the financial institutions system in India. The first private financial institutions
in India to be established were private sector financial institutions in India. It is one
of the growing private financial institutions in India. IDBI is the 10th largest
developing financial institution in the world as a private financial institution in
India and has promoted the global institution in India.
Establishment of Financial Institutions in Private Sector Financial
Institutions in India as part of the RBI Simplification of the Financial Institution
Industry, the first Private Finance Housing Development Finance Limited in India
to receive initial approval from the Reserve Financial Institute of India. It was
established as HDFC Financial Institute Limited in August 1994 with a registered
office in Mumbai and was scheduled to operate in January 1995 as a commercial
financial institution.
The private sector can be further classified as follows:

 Private Other private financial institutions
 And new and developed private financial institutions
 Schedule Cooperative financial institutions listed in the Second Schedule.
 India Foreign Financial Institutions, Representative Office in India
 -A non-scheduled financial institution
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They are 33 private financial institutions and some private financial institutions in
India:
Hub Bank
• HDFC Financial Institutions
IDBI Financial Institutes
 ICICI Financial Institutes

 ING Visa
 Karnataka Financial Institutes Limited.
 Cuttack Mahindra Financial Institutes
 Yes, financial institutions
Cooperatives:
The sectors of co-operative financial institutions in the country have been

developed in place of the village money lender which is the main source of rural
finance as the term financing available is generally detrimental to agricultural
development in India.
 The cooperative sector can be classified into 4 types

 Co Primary Cooperative Credit Unions
 Central Cooperative Financial Institutions
 Co Government Cooperative Financial Institutions
 Coastal Cooperative Financial Institutions
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1.3-NEED OF THE STUDY

Gold loan can be taken in any form may be for a gold loan it’s managed by well
qualified and highly experience banking professionals our bank aims to provide
and promote financial services to the public with expectation of overall
development. It goes without saying that the most common known type of gold
wan is the mortgage remember that a loan should taken only if it is really
important. It is evident from the name that a gold loan is offered against gold. They
are offered by a number of banks and financial institution. Gold loans are
extremely popular in rural areas in India. People in rural Ares as have a lot of gold
jewelry and can easily avail a gold loan. This helps them to unlock the true value
of their gold and fulfill their needs.
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CHAPTER-2
METHODOLOGY
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RESEARCH DESIGN
Churiwal and Sreeni (2012) gave an overview of the growing demand for gold.
They shed light on various aspects of gold lending to transfer loans from traditional
pawn brokers to the National Finance Bank. They explained the importance of gold
lending to the borrower and lender as they switch from traditional lenders to
organized lenders. They also clarified important issues such as the high borrowing
costs due to the elimination of the agricultural sector on credit. Non-bank financial
companies are increasingly looking at the idea of gold loans compared to
organized banks. It has become an effective way to meet the microfinance demand
in India.
SCOPE OF THE STUDY

Domains are restricted to Tavuniya clients and are available to me to streamline
further inquiries. The study therefore focuses on the geographical area of the KGF.
Clients are facing many problems regarding the use of advance services on gold
loans, so it provides cooperative assistance in developing them as it plays a key
role in the development of the Indian economy. It is necessary to study the terms
and conditions of cooperation in lending to the public.
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OBJECTIVE OF THE STUDY:

 To find the reasons for choosing gold loans over conventional loans
 To evaluate operational performance of gold loan advance made by financial
institutes
 To study the preferential rate of interest for senior citizens provide at swarna
vilas souharda credit co-operative limited KGF
SOURCE OF DATA COLLECTION:

Primary data
 Face to face challenges
 Structured interview
Secondary data:
Secondary data is data that is already collected by other sources and is readily
available from other sources. This data is cheaper and can be obtained faster than
raw data and may be available when raw data is obtained at all.
RESEARCH METHODOLOGY
 Comparative analysis
 Ratio analysis
 Trend analysis
LIMITATION OF THE STUDY

 The analysis of primary data may be affected by factors such as respondents
status of mind, knowledgeetc.
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 The company’s desire to maintain confidentiality in information acts as a

limitations.
 As it is internal information it is very difficult to get the accurate data from
the company.
PROCEDURE FOR AVAILING GOLD LOAN

Basic gold loan application procedure. Here are the neat details of the application
cycle.
First of all, the person who needs a gold loan should choose a bank that offers a
gold loan office.
Then he went closer and saved money with his gold assets, verifying images of his
permanent personality and the size of his identity. Personality proof can be a
business ID, Aadhaar card, ballot cost, driver's license or any other archive
confirmation personality.
At this point, he should meet with the bank officer and explain to him his desire or
need for a loan instead of gold. The bank hires some gold experts to confirm the
authenticity of the gold and assess the price of the gold, or the bank will ask him to
assess the gold from a specialist and submit his approval. The whole course takes
thirty minutes.
Meanwhile, during the evaluation, the debt poor may end up in various habits of
distributing his debt, for example, with money order ‌or paying for our ledger.
Value When completing the gold evaluation, the amount of the fine will be in his
possession by the position he chooses.
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Advantages of Gold Loan:

There are many favorable conditions for obtaining a gold loan on a variety of loans
that are closely accessible. They follow.
1. Less financing cost on gold loan

Most banks offer gold loans with a financing cost of 12-16%, which is much lower
than various types of loans. These are the main priorities and primary benefits
behind choosing this loan.
2. Payment authentication is not required to obtain a Golden Loan
If the person is not a compensation entrepreneur and at the same time needs cash
for any purpose, this loan is the best setting at this stage. When it comes to
applying for this loan, you do not have to worry about any payment approval. The
bank only needs gold to keep in a safe place until the borrower repays the loan
amount.
3. Quick and useful approval for gold loan

Approval of a gold loan does not take months or days, but can be punished within
two hours. Up to 80% of the gold amount is allowed to be deposited in the registry
by the borrower through the loan registry or after the gold is transferred to the
bank.
Another thing that can quickly penalize a gold loan is that it does not require huge
contracts for certain records.
4. A gold loan can be forgiven regardless of whether the borrower has a bed
credit record
People with weak financial record can avail gold loan. The bank has nothing to do
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with the borrower's record in approving an application for this loan. What is
important to the bank when imposing a penalty on a gold loan is the amount of
gold it specifies.
Some of the various benefits of a gold loan are given below
 No Cha Charges - You have no additional fees, charges or commissions
 Component simple component, short documentation and fast approval.
 Requirements Expert guidance on your needs and compatibility
 Attractive loan costs
 Give clarity and dynamic speed without a doubt
Compare rates with leading banks
Offer complete alternatives than our competitors
Fast and straightforward preparation
Confirm EMI, eligibility, cover life etc.
Gold loan repayment:
We have Rs. 1 crore can reach 90% of the significant value for any reason
Gold You can get 100% luxury and security from our gold stones
Loan loan can be settled quickly
Liquid Enjoy liquidity anytime
No EMI, interest only help and the loan bureau appreciate it
The loan fee has been reduced
To simple and fast documentation to prepare
Overdraft limits vary based on the market price of gold
Repayment is a lump sum of interest with the principal at the end of the term. It
can also be repaid through regular scheduled payments, which will cover interest
regardless of the head.
The filter was borrowed in lieu of stored gold
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Eligibility
The eligibility of each client varies. Eligibility for a gold loan depends on the
accuracy of the gold
 To meet all loan requirements, the person must be a resident of India
 He is in control of a coin or ornament made of pure gold
 The maximum loan amount should not exceed 80%
 The loan term ranges from 3 to a year
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CHAPTER-3
SWOC ANALYSIS
Page 21
SWOC ANALYSIS
INTERNAL EXTERNAL
STRENGTH WEAKNESS OPPORTUNIT CHALLENGE

Y S
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FEATURES OF CO-OPERATIVE
 Voluntary organization
 Democratic management
 Service and return thereon
 Government control
 Distribution of surplus
OBJECTIVES OF CO-OPERATIVE BANK GOLD LOAN

 Protect the rural sector from the greed of moneylenders
 Providing easy credit facilities to farmers
 Industries Provide personal financial services for those working in small
industries and self-employment based activities for people in rural and urban
areas.
 Various loans designated to assist the Co-operative Bank for gold loans to
various sectors. These include small loans to poor clients and high sums to
prominent clients.
STRENGTHS
 Operating Swarna Sauharda Villas Ltd. is financially self-sufficient with low

operating risk.
 It accounts for about 10% of the resources of the entire banking sector in
India.
 They closed the debt gap in urban, peri-urban and peri-urban areas.
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 One hundred years of existence.
 Of course you are responsible for the economic progress of the most
vulnerable section of society.
 Sect does not discriminate on the basis of class, class, religion, creed or
gender.
 The principle of member participation has resulted in the formation of a

separate capital system for borrowing.
 The principle of democratic management for the corporate sector.
 The corporate bank deposit is protected by the Deposit Guarantee

Corporation and the Credit Guarantee Corporation of India.
WEAKNESSES
1. Staff in SVSCC ltd not properly recruited. There is a shortage of manpower.
2. A good number of errors and inconsistencies were found in management

leadership. Their insufficient knowledge leads to incompetence.
3. The computing process of SVSCC ltd is very slow. Although computers were
installed, trained personnel were not available.
4. Lack of professional management.
5. Regional imbalances in distribution and development of SVSCC Ltd.
6. As a result of the directive of the state authorities by the state authorities, the
independence of the SVSCC ltd was affected.
7. Annual General Meetings (AGMs) are not held regularly and efficiently.
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8. Political factors play a negative role and hinder the smooth functioning of banks,
i.e., the promotion of credit trends and at the same time the acceptance of credit.
9. Inefficient monitoring and weak inspection of branches.
10. Dual control creates a lot of confusion in the operation of SVSCC ltd.
OPPORTUNITIES
1. SVSCC ltd is located in its home environment and its role is greater than that of
financial services provider.
2. Due to their closeness to their members and organizations, SVSCC ltd has good
scope for membership practice.
3. Swarna Villas Suharda Trust Cooperative Limited is a pioneer in the field of

microfinance.
4. Collective efforts not only increase the chances of success, but also increase
economies by reducing per capita operating costs and increasing productivity.
5. The Reserve Bank of India (RBI) established the Urban Banking Division
(UBD) in 1984 recognizing this sector as an important part of the banking system.
6 - Gold Villas Registration of Soharda Bank Credit Cooperative with Multi-State

Existence under the Multinational Co-operative Societies Act, 2002.
7. The approval granted by the Reserve Bank to SVSC Ltd. with strong financial
scheduling and a minimum net worth of Rs.100 / - to enter the insurance business
by 04/08/2003.
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8. Notification (No. SO.E. 105 (e) January 28, 2003) to the Government of India
making provisions for securitization and restructuring of financial assets applicable
to SVCC ltd.
9. With the merger of the urban banks as per the directives issued by the Reserve
Bank on February 2, 2005, the foundation was laid to consolidate the co-operative
banking sector.
10. Draft RBI vision document for SVSCC ltd on their website in 2005 to select
comments.
CHALLENGES
1. Intense competition in the market
2. Fraud and abuse cases are on the rise
3. Tightening standards for income identification and asset classification have a

direct impact on the balance sheet of SVSCC Limited.
4. High operating costs, especially interest and establishment costs on deposits.
5. The government failed to honor its promises when implemented.
6. Increased litigation between management and employees
7. External pressure to provide financial assistance to ineligible borrowers
8. Announcing the loan allocation to the government then and there
9. Departments in financial affairs interfere in various forms.
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CHAPTER-4
OUTCOMES OF THE STUDY
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VISION AND MISSION

VISION
It aims to provide quick and prompt financial service to the public with
expectations of overall development.
MISSION
"To build a technology-driven customer-centric business, maintain the highest
standards of corporate governance and increase bargaining values."
Comparative Analysis
YEARS RESERVES ABSOLUTE

CHALLENGES
2015 38,928,600 5,290,100
2016 33,638,500 8,098,300
2017 25,540,200 13,388,400
TOTAL 98,107,300 26,776,800
CALCULATION ON ANNUAL RESERVES
2015=5,290,100/26,776,800*100=19.76%
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2016=8,098,300/26,776,800*100=30.24%
2017=13,388,400/26,776,800*100=50%
TABLE 4.1
TABLE SHOWING RESERVES

SL.NO YEARS PERCENTAGES
1 2015 19.76
2 2016 30.24
3 2017 50
SOURCE: SECONDARY DATA

Analysis: it is being analyzed that in the year 2017 the company reserves has been
increased to 50% when compared to years 2015 19.76% & 2016 30.24%is
decreased.
GRAPH 4.1
GRAPH REPRESENTATION RESERVES
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50
45
40
35
30 %
25 Column1
20 COLUMN2
15
10
5
0
2015 2016 2017
Interpretation
From the above analysis we can interpret that, in the year 2017 reserves is
increased when compared to last year 2016.
YEARS SECURED LOANS ABSOLUTE CHANGES
2015 87,779,400 73,051,790
2016 14,727,610 1,535,680
2017 13,191,930 74,587,470
TOTAL 115,698,940 149,174,940
CALCULATION ON ANNUAL SECURED LOANS

2015 = 73,051,790/149,174,940*100= 48.98%
2016 = 1,535,680/149,174,940*100= 1.02%
2017 = 74,587,470/149,174,940*100= 50%
TABLE 4.2
TABLE SHOWING SECURED LOANS
SL NO YEARS PERCENTAGE
1 2015 48.98
2 2016 1.02
3 2017 50
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Analysis: it is being analyzed that in the year 2017 the company secured loans
has been increased to 50% when compared to years 2015 48.98% & 2016
1.02% decreased
GRAPH 4.2
GRAPH REPRESENTATION SECURED LOANS
50
45
40
35
30
%
25 Column1
20 Series 3
15
10
5
0
2015 2016 2017
Interpretation
From the above graph we can conclude that a secured loan is in the year 2017 50%
is increased when compared to 2015 48.98% &2016 1.02% decreased.
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YEARS UNSECURED LOANS ABSOLUTE CHANGES

2015 41,909,500 14,853,800
2016 27,055,700 4,171,600
2017 22,884,100 19,025,400
TOTAL 91,849,300 38,050,800
CALCULATION ON ANNUAL UNSECURED LOANS

2015=14,853,800/38,050,800*100 = 39.03%
2016= 4,171,600/38,050,800*100 = 10.97%
2017 = 19,025,400/38,050,800*100 = 50%
TABLE 4.3
TABLE SHOWING UNSECURED LOANS
SL NO YEARS PERCENTAGES
1 2015 39.03
2 2016 10.97
3 2017 50

Analysis: the above table can considered the highest is 50% of the unsecured loans in the year
2017, while compared to 2015&2016.
GRAPH 4.3
GRAPH REPRESENTATION UNSECURED LOANS
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2017 50
2016 10.97
2015 39.03
0 5 10 15 20 25 30 35 40 45 50
Interpretation
From the above graph we can conclude that an unsecure loan is in the year 2017, is
increased year by year when compared to the year 2015%2016
YEARS INVESTMENTS ABSOLUTE CHANGES
2015 35,370,000 47,130,000
2016 82,500,000 15,000,000
2017 97,500,000 62,130,000
TOTAL 215,370,000 124,260,000
CALCULATION ON ANNUAL INVESTMENTS

2015= 47,130,000/124,260,000*100= 37.92%
2016= 15,000,000/124,260,000*100=12.08%
2017= 62,130,000/124,260,000*100= 50%
TABLE 4.4
TABLE SHOWING INVESTMENT
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1 2015 37.92
2 2016 12.08
3 2017 50

Analysis: by the analysis the above table can compared the investment 50% in 2017 more than
the all years as the company maintains good profitability position.
GRAPH 4.4
GRAPH REPRESENTATION INVESTMENTS
50
45
40
35
30
3
25 2
Column1
20
15
10
0
2015 2016 2017
Interpretation
The above chart interprets the investment in the year 2016 is decreased, when
compared to the years 2015 & 2017 is increased.
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YEARS SUNDRY DEBTORS ABSULOTE CHANGES

2015 11,639,700 157,900
2016 11,481,800 61,920,200
2017 73,402,000 61,762,300
TOTAL 96,523,500 123,840,400
CALCULATION ON ANNUAL SUNDRY DEBTORS

2015= 157,900/123,840,400*100= 0.12%
2016= 61,920,200/123,840,400*100= 50%
2017= 61,762,300/123,840,400*100= 49.88%
TABLE 4.5
TABLE SHOWING SUNDRY DEBTORS
1 2015 0.12
2 2016 50
3 2017 49.88

Analysis: from the above table shows that the sundry debtors of the years 2016 50% is increased
when compared.
GRAPH 4.5
GRAPH REPRESENTATION SUNDRY DE
Page 35
50
45
40
35
30
%
25 COLUMN1
20 COLUMN2
15
10
5
0
2015 2016 2017
Interpretation
From the above graph we can conclude that a sundry debtors is in the year 2016, is
increased year by year when comparing to base year.
Comparative analysis
YEARS CASH &BANK ABSOLUTE
BALANCE CHANGES
2015 20,489,300 7,069,300
2016 13,420,000 66,084,000
2017 79,504,000 59,014,700
TOTAL 113,413,300 132,168,000
CALCULATION ON ANNUAL CASH & BANK BALANCE

2015= 7,069,300/132,168,000*100= 5.34%
2016= 66,084,000/132,168,000*100=50%
Page 36
2017= 59,014,700/132,168,000*100= 44.66%

TABLE 4.6
TABLE SHOWING CASH AND BANK BALANCE
1 2015 5.34
2 2016 50
3 2017 44.66

Analysis: From the above charts shows that the cash and bank balance of the year
2016 50% is more than the two years.
GRAPH 4.6
GRAPH REPRESENTATION CASH AND BANK BALANCE
60
50
40
%
30
COLUMN1
COLUMN2
20
10
0
2015 2016 2017
Interpretation
From the above graph we can conclude that cash and bank balance is in the year
2017, is increased year by year when compared to base year 2015.
Page 37
COMPARATIVE ANALYSIS
YEARS LOAN AND ADVANCES ABSOLUTE CHANGES
2015 22,018,620 4,521,950
2016 26,540,570 5,063,160
2017 21,477,410 541,210
TOTAL 70,036,600 10,126,320
CALCULATION OF ANNUAL LOANS & ADVANCES

2015=4,521,950/10,126,320*100= 44.66%
2016= 5,063,160/10,126,320*100= 50%
2017= 541,210/10,126,320*100= 5.33%
TABLE 4.7
TABLE SHOWING LOANS AND ADVANCES
1 2015 44.66
2 2016 50
3 2017 5.34

Analysis: it is being analyzed that in the 2016 the company loans and advances has
been increased to 50% when compared to years 2015 44.66% & 2017 5.34% is
decreased.
Page 38
GRAPH 4.7
GRAPH REPRESENTATION LOAN AND ADVANCES
50
45
40
35
30
%
25
2
20
15
10
0
2015 2016 2017
Interpretation
From that above graph we can conclude that loan and advances is in the year 2016,
is increased year by year when compared to years 2015&2017.
YEARS CURRENT ABSOLUTE CHANGES
LIABILITIES
2015 81,407,000 2,617,200
2016 78,789,800 31,875,200
2017 46,914,600 34,489,400
TOTAL 207,111,400 68,981,800
Page 39
CALCULATION OF ANNUAL CURRENT LIABLITIES

2015=2,617,200/68,981,800*100= 3.80%
2016= 31,875,200/68,981,800*100= 46.20%
2017= 34,489,400/68,981,800*100= 50%
TABLES 4.8
TABLE SHOWING CUREENT LIABLITIES
1 2015 3.80
2 2016 46.20
3 2017 50

Analysis: the above table can considered that the current liabilities of the year 2017
50% increased while compared to years 2015 3.80% & 2016 46.20% is decreased.
GRAPH 4.8
GRAPH REPRESENTATION CURRENT LIABLITIES
Page 40
50
45
40
35
30
%
25
2
20
15
10
0
2015 2016 2017
YEARS CURRENT LIABLITIES ABSOLUTE CHANGES
AND PROVISIONS
2015 83,604,100 1,128,900
2016 82,475,200 49,661,400
2017 49,661,400 33,942,700
TOTAL 215,740,700 84,733,000
CALCULATION ONANNUAL CURRENT LIABILITIES AND

PROVISIONS
2015= 1,128,900/84,733,000*100= 1.33%
2016= 49,661,400/84,733,000*100= 58.61%
2017= 33,942,700/84,733,000*100= 40.06%
Page 41
TABLE 4.9
TABLE SHOWING CURRENT LIABILITIES AND PROVISIONS
1 2015 1.33
2 2016 58.61
3 2017 40.06

Analysis: it is being analyzed that in the 2016 the company current liabilities &
provisions has been increased to 58.61% when compared to 215&2017.
GRAPH 4.9
GRAPH REPRESENTATION CURRENT LIABILITIES & PROVISIONS
60
50
40
%
30
2
20
10
0
2015 2016 2017
Page 42
Interpretation
The above chart interprets the current liabilities & provisions in the year 2015 is
decreased, when compare to the last year.
YEARS TOTAL DEBT ABSOLUTE CHANGES

2015 12,968,890 4,464,290
2016 17,433,180 1,952,840
2017 15,480,340 2,511,450
TOTAL 17,433,180 1,952,840
CALCULATION ON ANNUAL TOTAL DEBT

2015= 4,464,290/8,928,580*100= 50%
2016= 1,952,840/8,928,580*100= 21.88%
2017= 2,511,450/8,928,580*100= 28.12%
TABLE 4.10
TABLE SHOWING TOTAL DEBT
1 2015 50
2 2016 21.88
3 2017 28.12

Analysis: it is being analyzed that in the 2015 the company total debt has been increased to 50%
when compared to years 2016 21.88% & 2017 28.12% is decreased.
Page 43
GRAPH 4.10
GRAPH REPRESENTATION TOTAL DEBT
50
45
40
35
30
%
25
2
20
15
10
0
2015 2016 2017
Interpretation
From the above analysis we can interpret that, in the year 2017 debt is decreased
when the comparing to the year 2015.
YEARS TOTAL CURRENT ABSOLUTE CHANGES
ASSET
2015 32,129,000 7,227,200
2016 24,901,800 9,611,200
2017 15,290,600 16,838,400
TOTAL 72,321,400 33,676,800
CALCULATION ON TOTAL CURRENT ASSET

2015= 7,227,200/33,676,800*100= 21.47%
2016= 9,611,200/33,676,800*100= 28.53%
Page 44
2017= 16,838,400/33,676,800*100= 50%
TABLE 4.11
TABLE SHOWING TOTAL CURRENT ASSET
1 2015 21.47
2 2016 28.53
3 2017 50

Analysis: the above table we can consider the total current asset of company in
year 2017 50%is increased when compared to years 2015 21.47% and 2016
28.53% is decreased.
GRAPH 4.11
GRAPH REPRESENTATION TOTAL CURRENT ASSET
Page 45
60
50
40
COLUMN4
30
COLUMN 3
COLUMN1
20
10
0
2015 2016 2017
Interpretation
From the above analysis we can interpret that, in the year 2015 total current asset is
decreased when comparing to previous years.
Page 46
CHAPTER-5
EXPERIENCE, LEARNING AND CONCLUSIONS
Page 47
1. LEARNINGS
 4.1 it is been found that in the year 2015 the reserve has been to 19.76 where there was the
stable growth in 2016 & 2017.
 4.2 it is been found that around 1.02% of secured loans has been decreased in year 2016
when compared to year 2015 48.98% and 2017 50% is increased.
 4.3 It is been found that in the year 2016 the unsecured loans has been 10.97% decreased
when compared to 2015 & 2017.
 4.4 It is been found that in year 2016 the investment has been reduced to 12.08% where
there was the stable growth in 2015 & 2017.
 4.5 It is been found that around 0.12% of sundry debtors has been decreased in year 2015
when compared to year 2016 50% and 2017 49.88% is increased.
 4.6 It is been found that in the year 2015 the cash has been reduced to 5.34% where there
was the stable growth in 2016 & 2017.
 4.7 It is been found that around 5.34% of loans and advances has been decreased in the
year 2017 when compared to year 2015 44.66% and 2016 50% is increased.
 4.8 It is been found that around 50% of current liabilities has been increased in year 2017
when compared to year 2015 3.80% and 2016 46.20% is decreased.
 4.9 It has been found that in the year 2015 the current liabilities and provisions has been
reduced 1.33% where there was the stable growth in 2016 and 2017.
 4.10 50% debts is the increased in the year 2015 while compared other years.
 4.11 It has been found that in the year 2015 the current asset has been reduced to 21.47%
where there was the stable growth in 2016 and 2017.
2. SUGGESTIONS
 Society The cooperative society should improve its interaction with its customers and be
more friendly.
 Cooperation should seek to provide information on cash-back policy about short-term loan
processing fees.
 Incubation of the loan To expedite the evaluation of the loan, if the customer requests it, it
Page 48
should be issued in advance and the interest charged on the loan should be low.
 Gold imposes lower interest rates on gold loans, mortgage loans as well as salary loans.
 Processing Credit Union The co-operative should improve its operational efficiency to
improve processing speed and reduce loan submission time.
 Since Op Cooperation has a large network, it should present as many projects as possible.
 Customers Cooperative Bank should focus on expanding its branch, helping the bank to
integrate customers and expand its operations in this area.
3 - CONCLUSION
This study was reviewed to determine methods for comparing co-operative bank gold
loan schemes. By applying and reviewing the results and suggestions presented in this project, all
successes can be seen across the border sky.
Many technical aspects of computerized software availability evaluation have been
greatly simplified by the Co-operative Bank constantly updating the evaluation procedures. It
represents a high level profession and also explains why it occupies a prominent position among
nationalized companies.
Page 49
BIBLIOGRAPHY
1) Banking theory and practice- k c shaker, Vikas Publication, Edition, 21 page no
168-175
2)B RM- Lakshmi .T, First edition 2015 page no 49-85
3)Banking theory law and practices-E Gordon, Himalaya publication Edition, 24
Website:
www.google.com
www.swarnavilas.com
www.souharda.com
www.linkintime.com.in
Page 50
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Vijaya Kumar D v-mb193243 Tarak

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Vijaya Kumar D v-mb193243 Tarak

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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA

CREDIT CO OPERATIVE LTD AT KGF

INTRODUCTION ABOUT TOPIC

Cooperative banks may be a leading entity involved in the lending

under bundle sales.

A STUDY ON THE ATTITUDE TOWARDS GOLD LOAN

1.1-IMPORTANCE OF THE GOLD LOAN

breadwinner to bear all the family expenses.

Rapid reaction time:

Standard and straightforward trading methods:

SIGNIFICANCE OF THE STUDY

1.2-STATEMENT OF THE PROBLEM

Fall in collective value:

Alternative loan products:

System structure of financial institutions

COMMERCIAL FINANCIL INSTITUTIONS

Public sector financial institutions

National Financial Institutions

Annual All. India Conference Session in the paper "Deviant Ideas in

Private Sector Financial Institutions:

The private sector can be further classified as follows:

• HDFC Financial Institutions

IDBI Financial Institutes

 ICICI Financial Institutes

The sectors of co-operative financial institutions in the country have been

 The cooperative sector can be classified into 4 types

1.3-NEED OF THE STUDY

SCOPE OF THE STUDY

OBJECTIVE OF THE STUDY:

SOURCE OF DATA COLLECTION:

LIMITATION OF THE STUDY

 The company’s desire to maintain confidentiality in information acts as a

PROCEDURE FOR AVAILING GOLD LOAN

Advantages of Gold Loan:

1. Less financing cost on gold loan

3. Quick and useful approval for gold loan

STRENGTH WEAKNESS OPPORTUNIT CHALLENGE

OBJECTIVES OF CO-OPERATIVE BANK GOLD LOAN

 Operating Swarna Sauharda Villas Ltd. is financially self-sufficient with low

 One hundred years of existence.

 The principle of member participation has resulted in the formation of a

 The principle of democratic management for the corporate sector.

 The corporate bank deposit is protected by the Deposit Guarantee

1. Staff in SVSCC ltd not properly recruited. There is a shortage of manpower.

2. A good number of errors and inconsistencies were found in management

4. Lack of professional management.

5. Regional imbalances in distribution and development of SVSCC Ltd.

9. Inefficient monitoring and weak inspection of branches.

3. Swarna Villas Suharda Trust Cooperative Limited is a pioneer in the field of

6 - Gold Villas Registration of Soharda Bank Credit Cooperative with Multi-State

1. Intense competition in the market

2. Fraud and abuse cases are on the rise

3. Tightening standards for income identification and asset classification have a

4. High operating costs, especially interest and establishment costs on deposits.

5. The government failed to honor its promises when implemented.

6. Increased litigation between management and employees

7. External pressure to provide financial assistance to ineligible borrowers

8. Announcing the loan allocation to the government then and there

9. Departments in financial affairs interfere in various forms.

VISION AND MISSION

YEARS RESERVES ABSOLUTE

CALCULATION ON ANNUAL RESERVES

TABLE SHOWING RESERVES