A SUMMER TRAINING REPORT

IN SHRIRAM CITY UNION FIN. LTD. DISTT HAMIRPUR HIMACHAL

PARDESH
Submitted in the Gautam Institute of Management and Technology Hamirpur (HP), in the

Partial Fulfillment for the requirements award Degree of

Master of Business Administration

Session 2022 -2023

Submitted To Submitted By

HIMACHAL PARDESH TECHNICAL ROHIT SHARMA

UNIVERSITY, HAMIRPUR (HP) Class: MBA 3rd semester

University Roll No21014426021

[1]
Certificate of Firm

[2]
 PREFACE

First chapter to introduction of the report After The 2nd semester of Master Of Business
Administration (MBA) course, an interne was sent to SHRIRAM CITY UNION FIN. LTD.
Hamirpur Branch to have a practical exposure on banking activities under the programs of
Industrial training SCUF is a leading NBFC which starts in operation from 1974 Through All
over India its to silent to general banking service account opening ,bills, remittance, clearing, cash,
and computer ,section while advance banking involves the activities related to providing borrowing
to its customers.

focus on background , objective and introduction of industry focus on the context of banking industry
present situation challenges and opportunities. And after then brief introduction to the organization
focus on SCUF vision, mission, strategy, present situation of the Non- bank of SWOT analysis.

The second chapter focus on Practical part analysis of activity done and problems solved role of
the internee and fitting in the organization structure experience in the training including system
process also Occurrences of problems and how these problems solved and observed gape.

The final section of the report includes conclusion and overall experience and Learning Knowledge
gained

[3]
 Acknowledgement

It was not possible to complete the industrial training with out proper support and guidance of the people working in
the organization. It would have been difficult to fulfill our training programmed with out the co-operation of the
people around us. I bring no exceptions to the fact that had to seek the activity help and co-operation of many people
to make the report successful. I would like to thank the Shri Ram City Union Finance Limited Hamirpur. For providing
me with an opportunity to
undertake industrial training, which has been a great leading ha experience for me.

Thanking you

Rohit Sharma

[4]
 DECLARATION

I ROHIT SHARMA student of MBA 3rd semester at GAUTAM INSITIUTE OF MANAGEMENT &
TECNELOGY HAMIRPUR affiliated to Himachal Pradesh Technical University Hamirpur here by
declare that the report entitled NON-Banking Training of the “Shri ram city union fin ltd”. Distt
Hamirpur (HP) has been the report under the supervision of Mr. Pankaj Banyal and is very First
and genuine copy. I myself originally prepared this report prepared on the 26 days work period as
an training. The report has not been published or submitted or published elsewhere before. Any work
data or done by other and citied with in this report given due acknowledgment and listed in the
reference section.

I am ever for any penalty or charge if found any fraud regarding this report.

Date: ROHIT SHARMA

Uni. Roll No: 21014426021

PLACE: Gautam Institute Of Management & Technology Hamirpur

[5]
 INDEX

Sr. No. PART Particular Page No.

1 Cover Page 1
2 Certificate of 2
Firm
3 Preface 3

4 Acknowledge 4
4 Later of 5
Declaration
5 Table of 6
Contents
6 List of Table 7
7 1st INTRODUTIO 8
N
1.1 Background of 8
The report
Overview Of 9
Report
Duration Of 9
Training
Ways Of 10
Information Of
Collection
Scope Of Study 11
1.2 Objectives of 11-12
training
1.3 Brief 12
Introduction Of
Banking
Organization
8 Introduction Of 13-15
Shri Ram City
Union Finance
9 Organization 16
structure of
SCUF
Detail Of SCUF 17
Bank Branch
Office Hamirpur
10 SWOT Analysis 18
of SCUF
11 Position of 19

[6]
 Balance Sheet
12 2nd Weekly 20-41
Practical Report
2.1 1st week
16
August – 21
August
2.2 2nd week
22 August -28
2.3 3rd week
29 August- 4
September
2.4 4th week 5
September - 11
September
2.5 5th week
12 September –
15 September
13 Conclusion 42

[7]
 CHAPTER 1
INTRODUTION

Back ground of the report

The term TRAINING IMPLIES Students participants in any organization and Trainee for the
partial fulfillment of the degree for the awarded university. Training is that sort of academic
curriculum and platform where student get

Opportunity to gain practical Knowledge and develop the idea about how to implement the
theoretical Knowledge that gat they have been taught In the university or colleagues.

According to Gross man: “An training is a professional work experience where Learning is built into
the business organization”.

During the internship the student takes on responsibility in the business

organization and participates in observing and learning while activity

performing duties supporting the business endeavors. The importance of an training is for the student
make a clear and distinct connection between their academic learning and professional work place.

As an trainee student, are look more practical explore about the market industry marketing and operation compare
to what they have known by studying university and collages. As per the interest of student and decision

of colleges. Student are placed in different department like as marketing finance and HR.

1. OVERVIEW OF REPORT:
[8]
This report “An overview of Non-Banking Shriram City Union Fin. Ltd.” Has been
prepared the fulfillment of the requirement of the award of degree of Master of Business
Administration

Under the MBA program of “Gautam Institute of Management & Technology, Hamirpur
Himachal Pradesh Technical University Hamirpur (hp)

The Internship program endure for 30 days starting from 16 aug to 15 sep 2022 Interne
has spent 26 days period in the following departments.

Table1.1.1

Duration of Name of Departments Time period in Days

Training in
Different
Departments
Sr.
No.
1 Credit Departments 7

2 Customer Services Departments 14

3 Cash Department 7

Total 28

[9]
 Training Methodology:

By methodology we mean who, when ,what and Where method techniques are used to gather the data

information make the analysis and represent to collected

data the draw up the report complete valuable and more meaning full to another word
collection.

Data and Information collection.

Data information and other necessary materials that are method This report complete and
meaning full gathered from two sources, internally and externally. Some time orally I have
collected information which is not available And these can be gathered only personal
experience.

Ways of Data Collection

1. Primary Data: First time collected data As a interne accumulated from primary data from

a. Observation of Employees: Here primary data are collected through spending 26

days in the SCUF during the working Hour Here I Observed the total banking
process

b. Direct Involvement in work.

c. Informational Discussion.

2. The secondary data: had been collected from the MIS of SCUF. To clarify

different secondary such web site, register book. In this regards internal sources:

a. Bank Annual Report 2020-2022.

b. Previous reports and journal relevant to banking industry

c. Instruction of Head Office.

d. Bank issues seminar papers etc.

[10]
[11]
SCOPE OF STUDY:

The duration of study was a very short span time. It was very much hard to complete a report as a
assigned task by the Non bank So I had complete this study Facing by much time pressure This
report cover only credit department and General banking activities of Shriram City union fin ltd.
Especially this report of the comparison of different banks in interest rate and deposit scheme in a
financial products. It consider on one branch public and private bank.

Sampling procedures and Research Design:

I collected Primary data by random sampling size is non banking Employees Collected
information is processed by The use of computer system By using MS Excel and SPSS software to
analyzed one year account opening data One Year data are collected randomly and regular
interval process And Design.

OBJECTIVES OF TRAINING

Training is become the key for student to get employment To get am Employer a candidate who
has spent time working for a particular industry shows dedicate to a particular career
enthusiasm for a particular job and importantly has Experience Moreover and offer Knowledge
of Professional carrier.

I internee have selected to do internship at KCC Bank one of the finest bank In HIMACHAL
PARDESH Banking on The credit department The Objected are internship highlighted as:

General Objective

Specific Objectives,

1. General Objective:

To Quality for the Degree of Master of Business Administration.

2. Specific Objectives.

A To get the real picture of Professional life .

B To acquire that experience about the activities perform in the credit Finance dept.

C To acquire The Knowledge about the document needed the loan

[12]
 D To identify the types of loan and their importance of business

F To identify the loan department of the bank

G To study the efficiently

Brief Introduction of the Banking Industry 1

Meaning of the non Bank

Non Bank is the Lawful organization which accepts deposits that can be withdrawn on demand pay interest clear cheque
act as intermediary and make loan individual and business those need it A part from this bank also provide financial
services such as wealth management and currency exchange and safe deposit locker

Utility Functions

The bank also performs General utility function such as:

1) LOAN.

2) CROSS SELL

[13]
 INTRODUCTION OF SHRIRAM CITY UNION FINANCE

Shriram City Union Finance is India's leading Non-Banking Financial Company (NBFC). Shriram City was
incorporated in 1986, and is a part of Shriram Group. Shriram City is providing specialized services in retail & Micro
Small & Medium Enterprise (MSME) lending. Shriram City is India’s most Trusted Financial Services Brand,
according to the Brand Trust Report consecutively from 2016, this trust coupled with customer centric approach has
propelled us to be India’s number One MSME and Two-Wheeler financier. Shriram City has a nationwide network of
900+ branches, with an AUM 29085 Cr and a customer base of more than 4.76 million as on March 31, 2020.

Shriram City offers a broad basket of financial products, catering to every segment of Indian society. It comprises
vehicle loans (both new and pre-owned vehicles), Personal Loans, Micro Small and Medium Enterprise (MSME)
Loans, Gold Loans, and investment options like Fixed Deposits

[14]
 BUSINESS:

SCUF offers a wide range of commercial and transactional banking service and treasury
products to Wholesale and retail customer The Non Bank has to business Segements:

Deposit Policy

Customers as most important visitors in our premises they are not dependent on us we are
dependent on them. We are Determined served them in particular and

Our community as a whole general with satisfaction through co-operatives.

TYPES OF DEPOSIT ACCOUNTS

1. Term Deposit Account

2. RD

1. Term Deposit Accounts:

The Deposit Received by the bank for a fixed period withdraw after the expiry of the fixed period
and include deposit such as recurring and Fixed Deposits Etc.

Term Deposits can be opened by

1. Individual by Partnership firms

2. Private and Public LTD Companies

3. HUF and Socities Etc.

[15]
PRODUCT SCOPE
SCUF a bunch of Products and services to meet the every need people. The Company Cares for
both individuals as well as corporate and small

And Medium enterprises For individuals and cards assist the customers.

The customer are choose the suitable one from a range of products which will suit
their life stage and needs. For organization the company has a host of customized solution the
range for funded service and not funded service. Value addition services and non funded
service value ,mutual fund

1 LOANS

a. Personal Loans

b. Home Loans

c. Two Wheeler Loans

d. New Car Loans

e. Used Car Loans

f. Commercial vehicle Finance

g. Working Capital Finance

h. Construction Finance

i. Investment and Insurance

j. Mudra Gold Bar

[16]
ORGANISATION STRUCTURE OF SCUF:-

The management of affairs of the bank shall best as defined in the laws in the following bodies and
officers.

The General body determined the policy of the bank

1. The board of directors

2. The Executive Comity.

3. The managing Director

4. The General Managers.

ADMINISTRATIVE SET UP OFBANK:

1. Board of Director

2. Chairman.

3. Managing Director

4. General Manager

[17]
About Branch Office, Hamirpur for the financial year 2020- 2022
Total Number of Employees=35

With designation of Branch Manager Mr. Pankaj Banyal

Junior Assistant Manager Arun Kumar

Senior Clerk Dinesh Kumar

(Detail of SCUF Bank, Branch Office Hamirpur)

Sr. Particular Amount in Fig (in Amount in

No. Lakh)31/03/2020 fig(in lakh)
31/03/2022

1 Turn over The Year 880000 950000

2 Total Deposits of the Year 702654 759005

3 Deposit ratio 21.00% 22.55%

4 Loan and Advance 172169 167646

5 NPA non Performing 8% 8.50%

Assets

6 Saving Accounts 7600 7792

7 Profit and Loss 1666000 1667000

[18]
SWOT ANALYSIS Introduction of
SWOT Analyses

A swot analyses is a structure planning method used to evaluate the strengths weakness,
opportunities and threats involve in a project or in a business venture. A SWOT analyses can be
carried out for a business venture A swot analysis can be carried out for a project place company
firm or person it internal and external factor that are favorable and identification

1. STRENGTHS: characteristics of the business or project that give it an advantages over

other.

2. Weakness characteristics that place company or project at disadvantages over

other.

3. OPPORTUNITY: elements that the project could exploit its advantages.

4. THREATS: elements that environment could cause trouble for the business project.

[19]
BALANCE SHEET

[20]
[21]
 CHAPTER 2: WEEKLY PRACTICAL
WORK

1st WEEK

16 August 2022 Tuesday Firstly I come Enter in

Branch and Meet The
Branch Manager and Staff
in whole of the organization
17 August 2022 Wednesday Branch manager are
assigned me work on
present the speech on
banking customer in the
topic of Scuff
18 August 2022 Thursday Provide me information on
employees job profile and
status of work
19August 2022 Friday Janmashtami Holiday
20 August 2022 Saturday I also learn about how to
introduce yourself in any
organization norms, culture
and rule of organization
21 August 2022 Sunday HOLIDAY

[22]
 2nd WEEK

22 August Monday
2022 To gain the practical
Knowledge of Giving loan

23 August Tuesday Today fill the Deposit slip

2022 form in the Branch

24 August Wednesday Fill Loan

2022 Application Form

25 August Thursday Marketing

2022

26 August Friday Fill the loan file

2022

27 August Saturday HOLIDAY

2022

28 August Sunday HOLIDAY

2022

[23]
 3rd WEEK

29 August Monday I Learn that how to

2022 fill Gold loan file

30 August Tuesday Today i am Learn

2022 To mange customers

31 August Wednesday To provide

2022 different loans

1 September Thursday I Know About cross

2022 sell products

2 September 2022 Friday I Learn about

Loan products

3 September 2022 Saturday I Learn that working

system of bank and how
deal with Audience. Also
some learn that non
banking Function&
operation Area
Of SCUF
4 September 2022 Sunday HOLIDAY

[24]
 4th WEEK

5 September Monday Prepare the cash

2022 report and who cash to
dealing
6 September Tuesday How to print a Loan
2022 statement
7 September Wednesday Leave (Holiday)
2022
8 September Thursday Apply form Of loan
2022
9 September Friday DATA COLLECTION
2022
10 September Saturday Second Saturday
2022 (Holiday)
11 September SUNDAY
2022 (Holiday)

[25]
 5th WEEK

12 September 2022 Monday Data collection

13 September 2022 Tuesday Data collection

14 September 2022 Wednesday Data collection

15 September 2022 Thursday Data collection

[26]
 1st Week

16 August 2022 (Day 1)

Firstly I come from branch and meets The Branch Manager of bank. I introduce myself and I
explain the purpose regarding On The Job Training on The requirement of Programmes.

17 August GANIZATION (Day 2)

Branch manager are assigned me work on present the speech on non banking customer in the
Topic of KYC ( Know Yours Customers ) Norms KYC is an acronym for “ Know Your Customer”
and is a term used for Customer Identification Process with any financial entity. KYC establishes an
investor’s identity address through relevant supporting document such as prescribed photo id (PAN
card , Aadhar card) and address proof and In Person verification KYC compliance is mandatory
under the prevention of money Laundering Act,2002 and Rules framed there under SEBI and Anti
Money Laundering (AML) standard

18 August 2022(Day)

Provide me information on employees job profile and status of WORK IT Provides the all of
information regarding to the whole of work and particular job status to the individual employees to
the branch.

[27]
19 August 2022 (Day 4)

Janmashtami holiday

20 August 2022(Day 5)

I also Learn about how to introduce Yourself in any organization. And some other behavior in
organizations, Norms and Cultures and Rules of
organization. The objective of Bank provides Finance for number of corporate bodies, and financial
support of customers, My Work status of week is Accomplished and I say that it is very important to
Know the organization.

21 August 2022 (Day 6)

Today is Sunday holiday

[28]
 2nd WEEK

22 August 2022 (Day 7)

To gain the Practical Knowledge of Opening a Bank Accounts : This

is the primary and important function of bank employees. Also it is my objective of how to open a
new accounts.

I do the practical work during the training how to open a new bank account In this stage I follow some
steps:

1. Fill up the personal details of customers in application form i.e.

a. Name Address, Contact No etc.

[29]
23 August 2022 (Day 8)

Today fill the Deposit form in the branch In the deposit slip is a form supplied by a bank
for a depositor to fill out designed to document in categories the items included in the deposit
transaction.

[30]
24 August 2022 (Day 9)

Today I am fill the Loan Application form and know about how to manage customers.

[31]
 25 August 2022 (Day10)

Transfer Vouchers are those which are prepared for transactions not involving cash.
Example of these are invoices or bills, Debit and Credit notes etc.

[32]
26 August 2022( Day 11)

To next day fill the all loan files and know how to fill any loan file in NBFC.

[33]
27 August 2022 (Day 12)

On every last Saturday in the month branch there is a close.

28 August 2022 (Day 13 )

Today is Sunday holiday.

[34]
 3rd WEEK

29 August 2022 (Day 14)

To fill the gold loan file an know about all things og gold loan.

30 August 2022 (Day 15)

Today i Learn to manage customers and know how to solve customers problems
31 August 2022 ( Day 17)

To Know how to provide a different types loans by non banks loans is the another importance of the
NBFC . i focus on the loan because I know about the loan procedures and i am interested to know
bank who provide the loan by customers.

For exp Kisan credit loan, Vehicle loan two Wheeler and Four Wheeler loan , consumer loan , house
loan, SSI loan .

1 September 2022( Day 18)

I Know about sell products like insurance and fixed deposit etc.

2 September 2022 (Day 19)

I learn about all loan products that I how I can give loan to customers and rate of interest .
3 September 2022(Day 20)

I am on leave.(Holiday)

[35]
 4th WEEK

4.September 2022 (Day 21)

Prepare the cash Report and How to Cash Dealing

To Achieve the Knowledge About Cash Department : it is a important part or function of bank
because without cash has been no transaction of banking system. It is also involves the collection ,
handling, usage and flow Liquidity . So it is very important to Know about banking cash system.

I do this work in Cash Department with the help cashier Receipts and cashier

5 September 2022 (Day22)

How to use a print an Loan statement.

6 September 2022 (Day 23)

Today to me leave Holiday.

7 September 2022 (Day 24)

To Fill the Application Form For loan
8 September 2022( Day25)

Data Collection. We Collect the Data From the customer of the branch.

9 September 2022 (Day 26)

Second Saturday (Holiday)

[36]
 5th
Week

10 September 2022 (Day 27)

Data Collection

11 September 2022 (Day 28)

Sunday (Holiday)

12 September 2022 (Day 29)

[37]
Data collection

[38]
13 September 2022 (Day 30)

Data collection

[39]
 14 September 2022 (Day 30)

Data collection

[40]
 15 September 2022 (Day 31)

Thank you to all their co-operation and for their valuable

[41]
 CONCLUSION
Performance appraisal may be understood as the assessment of an individual's performance in a systematic way.
The performance being measured against such factors as job knowledge. quality and quantity of output, initiative,
leadership abilities, supervision, dependability, co- operation judgement, versability, health and the like it also
helps in developing strength and rectifies weakness of the employees.

Shriram city union finance limited Hamirpur has been conducting performance appraisal from the past years
from its formation Employees were co-operative and fully supporting the performance appraisal in the institution
and it was found to be highly effective in the employee's performance.

Shriram city union finance limited Hamirpur has been running successfully for past several years and has created a
good name among its customer's and society. People having poor background are given training and provided jobs.
Performance appraisal can be conducted more effectively by using the right tools and properly reviewing and
updating the performance appraisal program. Suggestion from employees and experienced personnel can further
enhance and make the performance appraisal an ideal evolution system.