Jay Prakash Jeengar - Project File - Mba

A
Summer Internship Project

Report On
Study Of Agriculture Loan
ICICI BANK
(Submitted As A Partial Fulfilment Of Degree Of Toward The Partial
Fulfilment Of Degree Of Masters Of Business Administration)
Of
MewarUniversity ,Chittorgarh
Session: - 2020-21
Submitted To : Submitted By:
Mr.Rajesh Bhatt Jay PrakashJeengar
H.O.D (Department ofManagement) MUR1900446
MewarUniversity, Chittorgarh
Faculty Of Management &Commerce
Mewar University
Chittorgarh( Raj.)
June 2021
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Certificate
This Is To Certify That Jay Prakash Jeengar Enrolment No. :
MUR1900446 Has Submitted The Report Entitled “Study Of Agriculture
Loan ICICI Bank”In Partial Fulfilment For The Award Of The Degree Of
Masters Of Business Administration ( Marketing).The Report Is Up To
My Satisfaction And As Per The Format Prescribed For The Writing Of
The Report . Her Report Is Approved For Presentation.
Guided By: Head of Department
Declaration
In According With The Requirements For The Degree Of MBA
(Marketing) Programmed In Management Department .I Present This
Report Entitled “Study Of Agriculture LoanICICI Bank ”.
This Report Is Completed Under The Supervision Of……………..
I Declare That The Work Presented In The Report Is My Own Work
Expected As Acknowledged In The Text And Foots Notes And That To
My Knowledge This Material Has Been Submitted Either In Whole Or In
Part ,For The Degree At This University .
“Jay PrakashJeengar”
Acknowledgement
I Am Deeply Indebted To Our Chancellor, Dr.Ashok Kumar Gadiya,
Mewar University And Chittorgarh For Providing Us The Infrastructure
Facilities To Complete Our Project Work.
I Would Like To Express My Sense Of Gratitude Of My
Guide…………………,For His Valuable Guidance, Suggestion, And
Continuous Support Throughout In Preparing The Report.
I Also Express My Thanks To My Head Of Department Mr.Rajesh Bhatt
And Other Faculty Member For Providing Me An Opportunity To
Present The Seminar On “Summer Training”.
Jay PrakashJeengar
Enrollment No:- MUR1900446
Table Of Contents
Chapter No. Chapter Name Page No.

1. INTRODUCTION
2. COMPANY PROFILE
3. PRODUCT PROFILE
4. RESEARCH
METHEDOLOGY
I. PRIMARY DATA
II. SECONDARY
DATA
III. SAMPLING
IV. SCOPE OF THE
STUDY
V. LIMITATION OF
THE STUDY
5. THEORITICAL
BACKGROUND OF THE
STUDY
6. DATA ANLYSIS AND
INTERPRETATION
7. FINDINGS
8. SUGGESTIONS
9. CONCLUSIONS
10. BIBLIOGRAPHY
CHAPTER NO. 1
INTRODUCTION
1.1 INTRODUCTION
Agriculture
Agriculture Is The Backbone Of The Indian Economy. It Is The Largest
Industry Of The Country. In India 70% Of Workforce Still Engaged In
Agriculture And Allied Activities.
The Agriculture Is The Main Source Of Raw Material For Leading
Industries. It Is Largely Stands For Prosperity Of Our Country. The
Agriculture Gone Through The Various Stages Like Green ,White,Yellow
Revolution To Floriculture .
1. Role Of Agriculture In India
 A Flourishing Agriculture Sector Is Far More Important For The
Development Of The Indian Economy.
 Since Farming Is The Less Business Than The Tradition In India.
Even At This Stages About 80% Population Lives In Rural Area
&Directly Or Indirectly Depends On Agriculture For It’s Live Hood.
 About 85Crores Person Which Are Further Multiplying At The
Rate 2.5 % Per Annum Depends On Agriculture Sector.
 The Surplus Generated By This Sector Would Help Indian
Economy To Reach The “ Golden Stages”.
 It Provides Offers Enormous Scope Of Alternative Employment.
 Agriculture Exports Constitute A Major Portion Of India Export
&Accounted For 50% Of Export At Present.
AGRICULTURE
FOREIGN
NATIONAL INDUSTRY EXCHANGE
FOOD
INCOME
RURAL
EMPLOYEMENT TRADE DEVELOPMEN VOCATION
Figure: Contribution Of Agriculture In Different Sector
The Rural Area Become More &More Independent On The

Moneylender. It Is Necessary To Relive The Poor Farmer From The
Clutches Of Villages Moneylender &Stop Their Exploitation After Many
Days The Financial Institute Are Introduced Like Government,
Commercial, Private &Cooperative Societies Are Introduced &They Act
As A Financial Support To Farmer To Agriculture Production.
2. Introduction To Financial Sector In India

After The Globalization Economical Process ,Lots Of Growth
Opportunity Incorporated In Service Sector . Hospitality,
Entertainment, Tourism, Banking Insurance &Marketing Sector
Grown Up Fastly Not Only In Term Of Employment But Also
Started Offering Various Product And Service To Customer.
Among The Above Mentioned Services Sectors The Banking And
Marketing Sectors Is Proved To Be Essential Component Of
Consumer Life So Far As Financial Needs Are Consumed.
Now A Days Consumer Are Concerned About Financial Products In
Terms Of Personal Loans, Individual Loans, Education Loans,
Agriculture Loans.. Being A Student Of Financial Management I
Have Decided To Study Agriculture Loan As A Financial Project.
2.1 Selection Of The Topic
Regarding The Topic Selected By Me For Study Purpose.I Want To
Quote Following Reason Why This Specific Financial Product Is
Selected.
A. History Of The Agriculture
10,000 Year Ago A Man Invented Agriculture.
A Primitive Form Of Agriculture Was Shifting Cultivation Crops.
After Few Year These Plot Lost Fertility & Heavily Infected With The
Grass And Soil Born Pests, The Cultivator Would Shift To New Site.
It Is The Backbone Of Indian Economy.
B. Agriculture In India
 Agriculture Is The Prime Source Of Live Hood Of Most Of The
Population In India.
 It Provide Food For Population Fodder &Also Other Needs Like
Fiber, Fuel ,Timber ,Woods &Raw Material, To Various
Industries.
 60% Of Indian Population Is Engaged In Agriculture &Agro
Based Industries.
 India Is Exporting Fruits, Tea ,Cotton, Basmati Rice, And So
Many Other Agriculture Commodity Which Helps To Get
Foreign Exchange Rate.
9
CHAPTERNO.2
COMPANYPROFILE
10
Bank Profile
History OfICICI Bank
ICICI Bank Was The First New Private Bank To Have Begun Operation In
1994,After The Government Of India Allowed New Private Bank To Be
Established .The Bank Was Promoted Jointly By The Administrator Of
The Specified Undertaking Of The Unit Trust Of India . Life Insurance
Corporation Of India ( LIC ) And General Insurance Corporation Of India
(GIC) And The Other Four PSU Insurance Companies ,I.E National
Insurance Company Ltd., The New Assurance Company Ltd., The
Oriental Insurance Company Ltd. And United Insurance Company Ltd.
The Bank Today Is Capitalized To The Extend Of Rs. 358.56 Corers With
The Public Holding (Other Than Promoters ) At 57.60%.
The Bank Registered Office Is At Ahmadabad And Its Central Office Is

Located In Mumbai . Presently The Bank Has Very Wide Network Of
More Than 701 Branch Office And Extension Counters. The Bank Has
Network Of Over 2854 Atms Providing 24 Hours A Day Banking
Convenience To Its Customers. This Is The One Largest ATM Network
In The Country.
The Bank Has Strength In Both Retails And Corporate Banking And Is
Committed To Adopting The Best Industry Practices Internationally In
Order To Achieve Excellence.
11
MISSION AND VISION
MISSION
 Customer Services And Product Innovation Tuned To Diverse The
Needs Of Individuals And Corporate Clients.
 Continuous Technology up Gradation While Maintaining Human
Values.
 Progressive Globalization And Achieving International Standard.
 Efficiency And Effectiveness Built On Ethical Practices.
VISION
The ICICI Bank Is Committed To Maintain The Highest Level Of Ethical
Standard, Professional Integrity And Regulatory Compliance. ICICI
Bank’s Business Philosophy Is Based On Four Core Values Such As :-
1. Operational Excellence.
2. Customer Focus.
3. Product Leadership.
4. People.
The Objectives Of ICICI Bank Is To Provide Its Target Market Customers

A Full Range Of Financial Product And Baking Service , Giving The
Customer A One Step Window For All His/Her Requirement .The ICICI
Bank Plus The Investment Advisory Service Program Have Been
Designed Keeping In Mind Needs Of Customers Who Seeks Distinct
Financial Solution Information And Advice On Various Investment
Avenue .
12
Features
 A Saving Account For Your Trust With A Concessional Average
Quarterly Balance.
 A Multi-City At – Par Cheque Facility With No Limit On Clearing
Payment At Centres Across The Country Whenever We Are
Present.
 Free Anywhere Banking Across All Our Branches And Extension
Counters And Over All Ours Atms.
 Free Demand Drafts Or Pay Order As And When Required By You
To Remit Funds.
 Free Collection Of Cheque At Outstation Location.
 Monthly Statement Of Accounts Delivered At Your Doorstep.
 Facility For Collecting Donation In Your Accounts Through Our
Network Of Branches And Extension Counter Across The Country ,
As Well As Through Connect Our Internet Banking Facility. Also
ICICI Bank Also Offer The Facility To Donate The Funds To Your
Trust Through Our Internet Banking Facility Connect To Its
Customers.
13
ORGANIZATIONAL FLOW CHART
Chief Manager
Senior Senior Manager Senior Manager

Managers(Deposits) (Loans) (Agriculture )
Assistant Assistant
Manager Manager
Clericals Clericals Clericals
14
CHAPTER NO. 3
PRODUCT PROFILE
15
1. Product And Service
Accounts
 Easy Access Saving Accounts
 Prime Saving Accounts
 Salary Saving Accounts
 Power Salute
 Senior Privilege Saving Accounts
 For The Women Of Today – Smart
Privilege Saving Accounts
 A Complete Banking Solution For Trusts
 Person Saving Bank Accounts
Deposits
 Fixed Deposits
 Recurring Deposits
 Encash 24
 Tax Saver Fixed Deposits
Loans
Welcome To The Wide Range Of ICICI Banks Loans Products. Out An
End To Yours Financial Troubles.
 Power Homes
 Power Drive
 Personal Power
 Study Power
 Asset Power
 Two Wheeler Loans
 Loan Against Security
 Consumer Power
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Cards
Apart From Gold& Silver Credit Cards, ICICI Bank Provides
 ICICI Bank Meal Card
 ICICI Bank Gift Card
 LIC Co – Balanced Annuity Card
Capital Markets
 Debt Solutions
 Equity Solutions
 Private Equity, Mergers & Acquisitions
 Advisory Services
 Trusteeship Services
 Capital Market Funding
 E- Banking
Credits
 Working Capital Marketing
 Term Loans
 Trade Services And Trade Marketing
 Structured Marketing
 Supply Chain Management
 Overseas Financing And Transaction
 SME : Standard Products
 Power Trace
2. Trust /NGO Saving Accounts

Thoughtful Banking For People Who Spend Their Lives Thinking Of
Other Need Special Banking For Special Causes?
ICICI Bank’s Trust Account Is An Effort To Offer Thoughtful Banking
For People Who Spend Their Lives Thinking Of Other. It Is A
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Complete Banking Solution For Trusts, Associations, Societies,
Government Bodies , Section 25 Companies And Ngos, So That The
Organization Can Devote All Of Their Time Noble Motivations.
3. ICICI BANK – AGRICULTURE LOAN SCHEMES
AGRICULTURE
1) Direct Marketing to formers for agriculture purposes.
1. Short Terms Loans For Raising Crops I.E Crop Loans.
2. Medium And Long Loans.
 Purchase Of Agriculture Implements And Machinery.
 Purchase Of Farm Nursery..
 Development Of Irrigation Potential.
 Reclamation And Land Development Schemes.
 Construction Of Farm Building And Structures.
 Construction And Running Of Storage Facilities.
Minor Irrigation ForAgriculuturists.
Purpose - Digging Of New Wells ,Revitalization Of Existing Well,

Purchase Of Oil Engine, Electric Motor, Pump Set Installation Of Pipe
Line, Sprinkler, Irrigation, Tube Well , Bore Well, Etc.
Eligibility – Agriculturist Who Owns Agriculture Land.
18
Amount – For New Dug Well As Per The NABARD Unit Costs For
Equipment's/Estimates.
Repayment – Depending Upon The Repaying 7 To 11 Year.
Security – Mortgage Of Land , Hypothecation Of Movable Assets And
Guarantors.
Other Terms & Conditions - Proposed Well Should Be Located In While
Watershed Area. It Should Not Be In Dark Watershed Area.
Farm MechanizationForAgriculture
Purpose– Purchase Of Tractor/ Power Of Tillers, Purchase Of

Harvesters, Purchase Of Threshers & Other Farm Implementations.
Eligibility– Agriculturist Who Own At Least 8 Acres Of Irrigated Land.

The Tractor Should Get At Least 1500 HrsOf Works In The Year.
Amounts– As Per Cost Of Machinery.
Repayment- 7 To 9 Years.
Security– Hypothecation Of Tractors/Trolley And Accessories.

Mortgage Of Land.
19
Other Terms &Conditions – Comprehensive Insurance Of
Machinery With Bank Clause.
Other Types Of Direct Marketing To Farmers

Short Term Loans
 Dairy, Fishery, Piggery, Poultry, Bee – Keeping, Medium And
Long Term Loans Plantation, Horticulture, Forestry ,Bio-Gas
Plants.
Indirect MarketingTo Agriculture

 Credit For Financing Tot He Distribution Of Fertilizers,
Pesticides& Seeds Etc.
Others Types Of In Direct Marketing
 Marketing For Hire Purchase For Distribution Of Machinery And
Implement.
 Cold Storage.
 (Storage Facility) Market Yard , God Own.
2) ICICI BANK – LOAN FOR PURCHASE OF AGRICULTURE

LAND
 Eligibility – Small And Marginal Farmers Who Would Own
Maximum Of Non Irrigated And Irrigated Land , Share
Croppers/ Tenant Farmers.
 Purpose– Purchase , Develop And Cultivate Agriculture Land.
 Margin – Up To Rs.50000/-Nil, Above RS. 50000/-MIN 10%
Margin.
 Security– Mortgage Of Land.
 Interest Rate – Applicable Under Scheme.
 Repayment Period – Loan May Be Repaid In 7 -12 Years.
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 Repaying Capacity – The Financing Branch Satisfies Itself That
Borrowers Have A Adequate Surplus.
3) ICICI BANK – EXPORT MARKETING

A. Types Of Pre- Shipments Marketing
B. Liquidation Of Packing Credit Advance
C. Post Shipment Marketing – The Advance Is Against
Receivable Bank Guarantees.
 Bid Bond Guarantees.
 Performance Guarantees.
 Guarantees For Advance Payment Made By Foreign
Buyer To Indian Exporter.
4. KISAN CREDIT CARD (MKCC)

Purpose– Cultivation Of Crop , Meeting The Short Term Credit Needs
Of Farmers For Crop Production And Allied Activities Etc.
Eligibility- Agriculturist Who Own Agricultural Land.
Amount– As Decide By District Technical Committee & Limit Worked

Out For The Purpose
Security– Mortgage Of Land , Hypothecation Of Crop/ Assets.
Repayment– Revolving Credit Facility For 3 Year , Coinciding With

Harvesting Of Crops –Season/Marketing Of Produce.
Other Term & Condition – Assured And Timely Availability Of

Working Capital For Crop Cultivation..
Borrowers Are Covered Under Personal Accident Insurance Scheme.
Insurance For Notified Crops Is Available.
21
5. DEVLOPMENT OF COMMERCIL HORTIULTURE THOUGH
PRODUCTION AND POST HARVEST MANAGEMENT(N.H.B.)
 To Improve Linking Between Horticulture Producer And
Markets To Create Integrated Network For Marketing Of
Horticulture Product.
 Horticulture Density Plantation, Micro – Propagations.
Horticulture
Purpose- Cultivation Of Fruit Crops – Mango , Pomegranate, Grapes

Etc.
Eligibility– Agriculturist With Adequate Provision Of Irrigation.
Amount– As Per NABARD Unit Costs/ Project..
Security– Mortgage Of Land , Hypothecation Of Crops.
Repayment– Within 15 Years.
Objectives Of The Study
The Study Is Undertaken With The Following Objectives.
 To Study The Concept Of Agricultural Loan.
22
CHAPTER NO. 4
RESEARCH METHODOLOGY
23
Research Methodology
Research Definition :-Research Is A Scientific Activity In Which Decision
Is Made & Problem Is Solved.
1) Research Methodology
The Method Or Formwork Within Which The Research Is To Be
Done Is Called Research Methodology.
Types Of Research Of My Study Is

 Exploratory
 Descriptive Procedure Of ICICI BANK
2) Data Collection
A. Primary Data –In The Form Of Feedback Of The Farmers
Collected Through Questionnaire.
B. Secondary Data – Al The Data Is Collected From The Books,
Publication, Records By The Bank , Websites.
Hypothesis:
Related To The Study Undertaken, Following Statements Can Be The
Statement For Hypothesis,
I. Agriculture Credit/MarketingHis Its Impact On The Farmers
Progress.
II. Agriculture Credit/Marketing Has No Impact On The Farmers
Progress.
III. The Farmers Borrowed Loan From ICICI BANKAre Satisfied.
IV. The Farmers Borrowed Loans From ICICI BANKAre Not Satisfied.
24
3) Scope For The Study
The Scope Of The Study Lies In Three Dimensions.
a. Scope For The Students– The Students Studying The
Topic Will Get An Exposure To The Agriculture Sector,
Financial Procedure To Agriculture Credit Marketing
Procedure.
b. Scope Of AIXS BANK – The ICICI Bank As An
Organizational Study, Will Come To Know The Exact
Feedback Of Customers For The Schemes & Offers They Are
Making Towards Them It Some Derivation Will Found Then
Definitely It Will Useful For The Bank Itself To Improve There
Functioning.
c. Scope For The Society In General – As The Agriculture
Sector And The Farmers Are The Part And Parcel Of The
Society, The Study Itself And The Finding As Such Will Be
Definitely Useful For The Society .The Society In General And
Farmers In Particulars Can Be Well Understood In Terms Of
The Agriculture Marketing Procedure.
4) Limitation of the study

The Study Is Completed With Following Probable Limitations.
 Only One Bank Is Selected To Study So There Is No
Comparative Analysis.
 The Time Available For The Purpose Of Study Is Very Less I.E.
Two Months Only. Mostly Secondary Data Is Referred Then
The Primary Data For The Study Is Limited.
25
CHAPTER NO. 5
THEORETICAL BACKGROUND
OF THE STUDY
26
Terms & Concepts
1) Agriculture
Agriculture Is Most Important Enterprise In India. It Is A Very
Broad Term Comprising All Aspect Of Production. It Provides Food
For Population, Fodder For Livestock &Fulfils Needs Like Fiber,
Fuel , Timbre , Wood & Raw Materials To Various Industries.
2) Agriculture Marketing
The Funds Are Required For The Agriculture & For Its Allied
Activities It Provides Financial Assistance To Various Purpose Or
Agriculture Operation For Short & Medium Periods Like Minor
Irrigation, Land Development , Soil Conservation, Farm
Mechanization , Plantation & Horticulture , Cold Storage & Other
Allied Activities.
3) Direct Agriculture Loans

It Means Short Term Production & Investment Loans Provided
Directly To Farmers For Agriculture Purpose. This Would Also
Include Such Loans Provided Directly To Farmers For Agriculture
Purpose.
4) Needs Of Agriculture Marketing

2/3rdPopulation Depends On Agriculture, Low Growth In
Agriculture Output Result In Food Prices, Majority Of The Poor Are
Farmers, A Labour &Casual Labour Therefore For Reduction
27
Ultimately & Elimination Of Poverty. Agriculture Has A Significant
Share In GDP. If GDP Is Low Then Overall GDP Is Fall Down.
5) Agricultural Marketing
Since Independence India Has Made Substantial Progress In
Respect Of Agriculture Marketing. The Reports Of All India Rural
Credit Survey Committee And All India Rural Credit Review Show
That Farmers Were Entirely Dependent Sources Of Credit. Money
Enders Are Main Sources Of Credit. They Were Most Convenient
And Easiest Source. His Administration As Simple And Flexible. The
Indian Government Launched The Three – Tier Banking Structure
In Indian. At The Apex Is NABARD At The Middle Level Are The
Urban Co- Operative Banks (UCBS) And A Few Public Sector Bank
(PSBS) ; And At The Base Are Primary Agriculture Credit Societies
(PACS).
 NABARD
 UCB,PSBS
 PACS
6) Marketing in villages of two types
1. Agriculture marketing (credit).
2. Non agriculture Marketing.
1. PRODUCTION CREDIT
a. SHORT TERM: loans for 15 to 18 months, loans for meet
daily working requirements
 Cash components
 Kind component : co-operative marketing societies.
b. MEDIUM TERM
 Loans for 15 months to 5 years .
28
 NABARD gives loans for 7 to 18 years
 Creating livestock machinery equipment.
c. LONG TERM
 5-7 years
 Land fencing mechanization construction of farm
house, storage facilities
2. CONSUMPTION CREDIT
It is basically for survival of farm families.
Sources of agriculture credit
A. Co-operative credit
 Primary co-operative credit short terms.
 Co-operative land development bank medium term.
B. RBI
 The national agri credit funding term & stabilization
RBI guidelines.
 Margin and security.
 Credit norms Marketing : cash to kind proportion.
 Recovery default.
C. SBI
 IT provide financial assistance to marketing.
D. COMMERCIAL BANKS
 Direct Marketing is granted for agriculture operation
for short period.
E. AGRICULTURAL REMARKETING
 CO-ORDINATE , guide and assist long term Marketing.
 Help in reduction of regional imbalance.
 Reduce regional disparities.
F. RRB
29
 RURAL BASED.
 Authorized capital structure :rs. 1 crore.
G. NABARD
(national bank for agriculture and rural development)
 Serve as a apex refinancing agency.
 Co-ordination the rural financing the activities.
 Monitoring and evaluation of project reMarketingd
by it.
H. GOVERNMENT MARKETING
 TO assist farmers overcome emergencies.
 Land improvement loans act 1883 long term
 Agriculturist loans act 1884 – short term.
CURRENT SITUATION.......
AGRICULTURE DEBT WAIVER &DEBT RELIEF SCHEME 2008
Hon‘ble union Marketing minister during his budget speech for 2008-09
announced above scheme for farmer. It covers direct agriculture loan
extended to marginal & small farmers & other farmer. It includes short
term production loans & investment loans to farmer for agriculture
purpose.
 Short terms production loans: a loan gives in connectionwith
rings of crops which is to be repaid within 18 months .it includes
working capital loans not exceeding rs. 1.lacs.
 Investment loan : it related to the replacement & maintenance of

wasting asset.E.g tractor dug well, installation of pump sets.
It divides farmers into 3 types
 Marginal farmer – it means farmer cultivating agriculture land up
to 1 hectare (2.5 acres ).
30
 Small farmer – farmer cultivating agriculture land of more 1
hectare up to 2 hectare ( 5 acres ).
 Other farmers – farmers cultivating agriculture land more than 2
hectare ( more than 5 acres ).
Salient features.......
 Direct agriculture loans disbursed between mar.31,1997&
mar.31.2007 &remaining unpaid until feb 29.2008 will be eligible
for debt waiver.
 Production loan for plantation & horticulture crops to be covered
the scheme a ceiling of rs. 1.00 lakh has been prescribed.
 Term loans overdue portion as on 31stdec. 2007 ,7 which is not
repaid up to 29.02.2008 will eligible for waiver in case of small &
marginal farmers.Loans availed by the farmers in for agriculture
activities upto 50000 will be eligible for loans waiver for the
farmers.
 In case of other farmers there will be one time settlement under
which the farmer will give 25% is rebate & eligible amount pays
the balance of 75% eligible amount.
ICICI BANKis lead bank it implemented the schemes in right eamest&
true spirit .it has identified 1,38,000 borrowers. The small farmer who
have become eligible the waiver is 91,000 &the to be waived rs.
22,205.75 lacs. In other farmers in which 47000
31
CHAPTER NO. 6
DATA ANALYSIS AND
INTERPRETATION
32
6.1 SECURITIES
Securities against which banks leads money can be of two
types.
 Primary security –whenever any loans is sanctioned some
goods or assets are bought with the help of funds. These
are called primary security..
 Collateral security – on primary security bank don’t have
control on goods .the goods are under lock key of the bank
. in such cases, bank prefer to insist some additional
security which is called as collateral securities.
ICICI BANK STATUTORY REPORT .
ASSETS(in crores)
Particulars 2019-20 2018-19 %changes
Cash And Balance With RBI 84,959 35,099 142%
Balances With Banks And 12,309 32,106 (62%)
Money At Call And Short
Notice.
Government Securities 125,982 120,239 5%
Other Securities 30,752 54,730 (44%)
Total Investment 156,734 174,969 (10%)
Retail Advances 305,400 245,812 24%
33
Corporate Advances 204,103 183,402 11%
SME Advances 61,921 65,584 (6%)
Total Advances 571,424 494,798 15%
Fixed Assets 4,313 4,037 7%
Other Assets 85,426 59,988 42%
Total Assets 915,165 800,997 14%
Liabilities And Shareholder’s

Funds
Capital 564 514 10%
Reserves And Surplus 84,384 66,162 28%
Total Shareholder’s Funds 84,948 66,676 27%
Deposits 640,105 548,471 17%
Current Account Deposits 90,114 89,265 1%
Saving Bank Deposits 173,592 154,129 13%
Casa 263,706 243,394 8%
Retails Terms Deposits 253,437 198,914 27%
Non – Retails Term Deposits 122,962 106,163 16%
Total Term Deposits 376,399 305,077 23%
Borrowing 147,954 152,776 3%
In India 92,493 83,037 11%
Infra Bonds 20,880 16,705 25%
Outside India 55,461 69,739 20%
Others Liabilities And 42,158 33,073 27%
Provisions
Total Liabilities And 915,165 800,997 14%
Shareholder’s Funds
34
Analysis & Interpretation Of Data.
35
A. GRNDERS OF FARMERS.
B. PURPOSE OF BORROWING LOANS.
36
C. MEDIA / SOURCE OF INFROMATION.
37
38
D. SATISFACTION ABOUT LOAN PROCEDURE.
39
E. FEEDBACK ABOUT INTEREST RATE .
40
F. FEEDBACK ABOUT WAITING PERIOD FOR SANCTIONING &
DISTRIBUTING LOANS.
41
G. AWARENESS ABOUT THE FINANCIAL PRODUCT.
42
CHAPTER NO. 7
FINDING
FINDING
43
 Many Farmers Are Borrowing Loans For Agriculture Loan For
Irrigation I.E. Drip Irrigation.
 Farmers Are Less Aware About The Other Financial Product
Related To The Agriculture Loan.
 The Awareness About The Different Financial Product Related To
Agriculture Loan Is Very.
 Less Like N.H.B ( National Horticulture Board) , Kisan Credit Card
And For Agri – Business And Agri- Clinic.
 No One Farmer Came To Know Through The T.V So The Very Less
Awareness Through The T.V.
 Age Group Of 40-50 Borrowing Loan From The Bank.
 In General Observation Found That Many Farmers Are Intentional
Loan.
 If More Than One Agency Lends Money For The Same Purpose At
The Same Time There Is An Overlapping Of Credit To Borrower.
44
CHAPTER NO. 8
SUGGESTION
Suggestions
45
Looking At The Level Of Awareness It Is Recommended That
Promotion Of Agriculture Loan Different Can Be Done In Different
Ways.
 Bank Officers Also Have To Increase The Contracts With Farmer.
Encourage The People By Conducting Seminars; Some
Programmers Related To The Agriculture Schemes How It Is Useful
In Remote Areas. So It Creates Awareness In The Farmers.
 Bank Have To Focus On Enhancing The Quality Of The Some New
Schemes Related To The Farm Development , Equipment ,
Plantation And Farm Mechanization Which Are Helpful To
Fostering The Agriculture Production Which Are More Important
For The Development Of Indian Economy.
 People Of Young Age Group Who Are Risk Takes By Nature May
Be Targeted Separately . At Present Era They Are Taking The
Decision Related Each And Activity In The Family . So The Bank
Officers Have To Target The Younger ‘S Age Group .
 Some Farmers Are Capable To Repay The Loan But They
Intentionally Avoid To Repay The Loan . In Which The Government
& Bank Recovery Policy Should Tighten – Up . After Recovery Of
The Funds Can Utilizes For Various Purpose.
46
CHAPTER NO. 9
CONCLUSION
47
Conclusion
After Analyzing& Interpreting Data It Was Found That ICICI BankIs Very
Good Various Facilities Are Provided To Farmer’s Related Between The
Branch Officers & The Farmers Are Very Good.
Related to study
 Maximum No. Of Farmers Belong To Age Group 40- 50 I.E. 40%.
In India Have A Hindu Undivided Family System In Which Only One
Person Is Head Of The Family . They Have Knowledge About
Farming Activities He Can Handle The All Responsibilities Related
To Family . He Also Have Handholding As A Security.
 In Which The 82% Of Land Belongs To The Male Farmers
According To HUF. Head Of The Family Is A Male Farmer So The
Male Farmer Is More Than Female Farmer.
 Maximum Number Of Farmers Belongs To Age Landholding 0-5
Acres I.E. The 44% . It Because Of Division Of Family. They Also
Think That Small Farm Is Available We Can Develop The Land By
Using The Different Techniques Like Farm Mechanization.
Fertilizers & Effective Utilization Of Resources.
 In The Loan Schemes Many Farmer Take Loan Fir Irrigation I.E Drip
Irrigation For Horticulture Plantation (Grapes, Pomegranate)
Farmers Also Get Subsidy For Plantation . 50% Of The Total Cost
For Drip Irrigation.
 Bank Officer Are Co- Operative & Provide Every Information To
Farmer, Which Are Needed & Provide Knowledge About Different
Schemes . They Have Full Involvement Of Branch Manager.
Successful Marketing Of Agriculture Loan With Zeal And Mission.
 ICICI Bank A Medium Rate Of Interest Said By Farmer. The Rate Of
Interest Is Only Levied On Whatever Amount Is Withdrawn From
Sanctioned Amount. So Interest Only Paid On That Amount.
 92% Farmer Said That Repayment Of Loan Is Easy Because They
Give Some Time To Repayment Of Loan . They Encourage People
48
By Providing Extensive Credit And Smooth Recovery. Adjustment
In Borrowers. Accounts In Which The Repayment Schedule Will Be
Drawn On The Loan Amount In Such Way That Subsidy Amount Is
Adjusted After The Bank Loan Portion In Liquidation.
49
CHAPTER NO. 10
BIBLIOGRAPHY
Bibliography
1. ICICI Bank annual report
2. Publication of ICICI Bank
3. https://www.icicibank.com
50

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A

Summer Internship Project

Chapter No. Chapter Name Page No.

Figure: Contribution Of Agriculture In Different Sector

The Rural Area Become More &More Independent On The

2. Introduction To Financial Sector In India

The Bank Registered Office Is At Ahmadabad And Its Central Office Is

The Objectives Of ICICI Bank Is To Provide Its Target Market Customers

Senior Senior Manager Senior Manager

Clericals Clericals Clericals

2. Trust /NGO Saving Accounts

3. ICICI BANK – AGRICULTURE LOAN SCHEMES

Minor Irrigation ForAgriculuturists.

Purpose - Digging Of New Wells ,Revitalization Of Existing Well,

Purpose– Purchase Of Tractor/ Power Of Tillers, Purchase Of

Eligibility– Agriculturist Who Own At Least 8 Acres Of Irrigated Land.

Security– Hypothecation Of Tractors/Trolley And Accessories.

Other Types Of Direct Marketing To Farmers

Indirect MarketingTo Agriculture

2) ICICI BANK – LOAN FOR PURCHASE OF AGRICULTURE

3) ICICI BANK – EXPORT MARKETING

4. KISAN CREDIT CARD (MKCC)

Eligibility- Agriculturist Who Own Agricultural Land.

Amount– As Decide By District Technical Committee & Limit Worked

Security– Mortgage Of Land , Hypothecation Of Crop/ Assets.

Repayment– Revolving Credit Facility For 3 Year , Coinciding With

Other Term & Condition – Assured And Timely Availability Of

Purpose- Cultivation Of Fruit Crops – Mango , Pomegranate, Grapes

Types Of Research Of My Study Is

4) Limitation of the study

3) Direct Agriculture Loans

4) Needs Of Agriculture Marketing

 Investment loan : it related to the replacement & maintenance of

Liabilities And Shareholder’s

B. PURPOSE OF BORROWING LOANS.

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