ORGANIZATIONAL - PROFILE - 12345678911 Final 1

A study of the factors affecting on the sale of Kisan Credit Card (a loan product) of
Assam Gramin Vikash Bank and its initiative with special reference to pathsala area
1.1 ABOUT KISAN CREDIT CARD:
G.C.C Centre of Management Studies Page 1

Kisan Credit Card is for farmers. Using this facility farmers are able take loan from any
Nationalized Bank of India. The loan is to fulfill the farmers’ need for agriculture. With the
help of this loan farmers are able to buy everything for agriculture. Day by day the prices of
all the goods which are used in cultivation are rising. Government and agriculture department
are giving pressure to the banks to sanction such loan. Banks need to fulfill certain targets
too.
After introduction of KCC loan, the farmers are able to do the more conveniently. As,
farmers are generally economically weaker, they are not able to buy the inputs which are
required for agriculture. As a result, the production is hampered. If any farmer takes money
from money lenders, they need to bear huge interest. As a result they don’t get any profit.
After introduction of the KCC, the new generation young boys and girls are also getting
inclined towards agriculture. It is a good sign for our country. Because, if a country is strong
in agriculture, then its economy gets stronger.
The Kisan Credit Card has emerged as an innovative credit delivery mechanism to meet the
production credit requirements of the farmers in a timely and hassle-free manner. The scheme
is under implementation in the entire country by the vast institutional credit framework
involving Commercial Banks, RRBs and Cooperatives and has received wide acceptability
amongst bankers and farmers. However, during the last 13 years of implementation, many
impediments were encountered by policy makers, implementing banks and the farmers in the
implementation of the scheme. Recommendations of various Committees appointed by GOI
and studies conducted by NABARD also corroborate this fact. It was, therefore, felt
necessary to revisit the existing KCC Scheme to make it truly simple and hassle free for both
the farmers and bankers. Accordingly, the GOI, Ministry of Finance constituted a Working
Group to review the KCC Scheme.
1.2 HISTORY OF KISAN CREDIT CARD:

The Kisan Credit Card (KCC) scheme introduced in August 1998 has emerged as an
innovative credit delivery mechanism to meet the production credit requirements of the
farmers in a timely and hassle-free manner. The scheme is under implementation in the entire
country by the vast institutional credit framework involving Commercial Banks, RRBs and
Cooperatives and has received wide acceptability amongst bankers and farmers. However,
during the last 15 years of implementation, many impediments were encountered by policy
makers, implementing banks and the farmers in the implementation of the scheme.

Recommendations of various Committees appointed by Govt. of India and studies conducted

by NABARD also corroborate this fact. It was, therefore, felt necessary to revisit the existing
KCC Scheme to make it truly simple and hassle free for both the farmers and bankers.
Accordingly, Ministry of Finance, Dept of Financial services, Government of India had
constituted a Working Group under the Chairmanship of Shri T. M. Bhasin, CMD of Indian
Bank to review the Kisan Credit Card to suggest changes to be made in the KCC scheme to
make it a Smart Card cum Debit Card.
On acceptance of the recommendations of the Working Group by Govt. of India, revised
operational guidelines on KCC were issued by NABARD to Cooperative Banks, RRBs and
by RBI to Commercial Banks in the year 2012. Banks were advised to devise suitable
strategies to implement the scheme in a time bound manner. Improvements in the guidelines
over the earlier KCC scheme are as under:
1. Paper card (pass book) to Plastic card - KCC in the form of ATM enabled Debit card
2. Wider delivery channels : Operations through Branch/Cheque facility/BCs/ATM
(debit card)/POS/Mobile handsets
3. More clarity in assessing credit needs (inclusion of post harvest /
household/consumption needs up to 10% + maintenance expenses up to 20%)
4. Cost escalation built in for assessing the limit – Notional hike of 10% for fixing credit
limit from second year onwards
5. More activities covered under Term Loan
6. Emphasis on financing Joint Liability Groups
7. One time documentation at first availment and thereafter simple declaration from
second year
8. Moving towards accessing online land record and Creation of charge.

1.3 PURPOSE OF KISAN CREDIT CARD LOAN:
Kisan Credit Card Scheme aims at providing adequate and timely credit support from the
banking system under a single window to the farmers for their cultivation & other needs as
indicated below:
a. To meet the short term credit requirements for cultivation of crops

b. Post harvest expenses
c. Produce Marketing loan

d. Consumption requirements of farmer household

e. Working capital for maintenance of farm assets and activities allied to
agriculture, like dairy animals, inland fishery etc.
f. Investment credit requirement for agriculture and allied activities like pump
sets, sprayers, dairy animals
1.4 SECURITY OF KISAN CREDIT CARD LOAN:

If the loan is less than 1 lakh than Bank don’t want any security for the loan. But if the loan
amount is more than 1 lakh Bank want some security. Basically the security is land.
Actualy the agriculture department help the Bank to give Kisan Credit Card to farmers.
1.5 TERM OF LOAN:

The Kisan Credit Card Loan is sanction for 5 years. But it gives to farmers in 10 installments.
In a year bank give to farmers loan in 2 insatlment. One instalment is for Kharif Cultivation
and another is for Robi cultivation. The term of Kharif Cultivation is 30 th September to 31st
March. The farmer can give interest from 31st March onward. After taken the interest Bank
give him loan instalment for Robi Cultivation. Term of the Robi Cultivation Loan is from 31 st
March to 30 September. The farmers can give interest to Bank from 30th September onward.
1.6 INTEREST RATE:

Upto 3 lakh of loan amount the rate of interest is 10% , But the government of India give 3%
interest as subsidy. So, farmers are giving 7% interest.
If a customer are regularly transacting with Bank than the government give him 6% interest
as subsidy.
If the laon amount is more than 3 lakh than rate of interest is 10% and he don’t take any
subsidy from government.

ORGANIZATIONAL PROFILE
2.1 ABOUT ASSAM GRAMIN VIKASH BANK:

A Regional Rural Bank (RRB) of Assam, Assam Gramin Vikash Bank was established on
12th January, 2006 after amalgamation of four erstwhile Regional Rural Bank namely
Pragjyotish Gaonlia Bank, Lakhimi Gaonlia Bank, Cachar Gramin Bank and Subansiri
Gaonlia Bank . Assam Gramin Vikash Bank’s Head Office is situated at Guwahati ,
Bhangagarh. The motto of the Bank is to fulfill the Rural loan demand and improved the rural
area. Assam Gramin Vikash Bank is separate from other commercial bank, because other
commercial banks are only for their profit but Assam gramin vikash Bank is for the
development the rural area. It covers almost the entire Assam except Karbi Anglong and
Dima Hasao.
2.2 HISTORY OF ASSAM GRAMIN VIKASH BANK:
After Independence the commercial banks and cooperative banks are raising their business.
These types of banks have covered almost all the areas. But they did not fulfill the rural loan
demand. For a strong rural economy, loan and banking services are necessary. For solving the
problem, the Government of India had established the Regional Rural Bank. In 1975 in the
month of October, Government of India has introduced an act of Regional Rural Bank and in
1976 accordingly promulgated an Ordinance which was subsequently replaced by the
Parliament as Regional Rural Banks Act, 1976. These banks are situated in locality and
regional level. These Regional Rural Bank are established under sponsorship of a particular
commercial bank.
Following the Regional Rural Bank Act, 1976; the first Regional Rural Bank of Assam
namely Pragjyotish Gaonlia Bank with Head Office at Nalbari was established. It covered
almost the complete Lower Assam. Second Regional Rural Bank of Assam namely Lakhimi
Gaolia Bank was established in 29th July 1980 and it head office was Golaghat. It covered
half part of Upper Assam. Third Regional Rural Bank of Assam was Cachar Gramin Bank
which was established in 31st March 1981 and its Head Office was Silchar. Cachar Gramin
Bank covered the Borak Valey. Fourth Regional rural Bank of Assam was established in 30 th
March 1982 namely Subansiri Gaonlia Bank and it Head office was in Lakhimpur. It covers
the rest half part of upper Assam. All banks mentioned above were sponsored by United
Bank of India.
The Other Regional Rural Bank of Assam is Karbi Lagnpi Dehangi Bank and its sponsorship
bank is State Bank of India. It covers the Karbi Anglong and Dima Hasao District.

The pro-active attitude and the rural bias of these banks culminated not only in the creation of
thrift habit among the rural masses but also in the dispensation of credit to such people
mostly for priority sector.
The Regional Rural Bank was facing many problems in providing services to customers. For
solving this problem in 2006, on 12th January banks whose sponsor was Unite Bank of India
were amalgamated sponsor bank. The new Bank is named Assam Gramin Vikash Bank and
the Head Office of the New Bank is Guwahati , Bhangagarh , G.S. Road.
The objectives of the amalgamation are:
 Better customer services from better infrastructure, modern technology
including implementation of core Banking Solution (CBS), pool of experience
work force, unified publicity and marketing efforts.
 Reaping economies of scale with larger area of operation, enhanced credit
exposure limits.
 Opportunities for diverse banking activities, leading to hogher business
growth.
Looking back at the post amalgamation period, it is noteworthy that the metamorphosis of the
Regional Rural Banks with different cultures and practices, into a single large entity with
shared culture has been extremely smooth. The advent of Assam Gramin Vikash Bank had a
positive impact, particularly in the areas of Business growth and operational matters.
2.3 VISION:
With the advantage of largest network of branches in the Rural Assam, it is the duty and
obligation to serve the rural masses, the deprived and denied with all banking facilities for
augmentation of agricultural production, upliftment of the downtrodden employment of rural
youth, with commitment of the sacred task of all out development of the Rural Assam. The
bank’s initiatives have strengthened our culture and we aim to be the top class Rural Bank of
the Country, benchmarking ourselves against the best standards and practices in terms of
product offering, service level and professional integrity.
2.4 MISSION:

To financially include as well as spread Banking Literacy to each household of its area of
operation and initiate intervention for economic uplift of the people of Assam through
Agriculture, Micro, Small and Medium Enterprises to accomplish the mandate set out for the
RRBs and thus emerging as a strong vibrant and socially committed ‘Mass – Class Bank.’
2.5 CHARACTERISTICS OF ASSAM GRAMIN VIKASH BANK:

(i) Assam Gramin Viaksh Bank’s geographical boundary is limited. The bank carries out
business in Regional Level only.
(ii)In case of giving loan, they give pRefers to small and landless farmers, agricultural
farmers, cottage, and small scale industrialists and business men.
(iii)This type of banks takes low interest for loan in comparison to other cooperative bank.
But in case of deposits they give 0.5% more interest in comparison to other cooperative bank
(iv)Assam Gramin Vikash Bank takes relief from Reserve Bank of India
(v)The term and condition of giving loan is very easier for customer
(vi) The forms used by the Banks are published in Regional language.
2.6 CAPITAL OF ASSAM GARMIN VIKASH BANK:

As per the Regional Rural Bank Act, 1976, Regional Rural Bank are to be established under a
sponsorship bank. In the case Assam Gramin Vikash Bank, sponsor is under United Bank of
India. The sources of capital of Assam Gramin Vikash Bank are Central Government, State
Government and United Bank of India
Table 2.6 CAPITAL OF ASSAM GARMIN VIKASH BANK:

Sources of Capital Percent of Capital
Central Government 50
State Government 15
United Bank of India 35

Capital of Assam Gramin Vikash Bank
United Bank of India

35%
Central Giovernment
50%
State
Govern-
ment
15%
Fig2.6 CAPITAL OF ASSAM GARMIN VIKASH BANK

2.7 BOARD OF DIRECTORS:

Sl. No. Name and Designation Address
1. Shri S. N. Sahu Assam Gramin Vikash
Chairman Bank
Head Office, G.S. Road,
Bhangagarh,
Ghy- 781005
Director from Reserve Bank of India
2. Shri S. C. Sarkar Rural Planning & Credit
Asstt. General Manager, RPCD, Department
Reserve Bank of India Reserve Bank of India
Station Road, Ghy-
781001
Director from NABARD
3. M. C. Gayari NABARD, Opposite
Deputy General, NABARD, Ghy Assam Secretariat,
Dispur, Ghy- 781006
Directors from Govt. of Assam
4. Shri S. P. Nandy. IAS Finance Department
Secretary, Finance, Govt. of Assam Dispur, Ghy-781006
5. Shri Anjan Chakraborty, ACS Finance Department
Joint Sectretary, Finance, Govt. of Dispur, Ghy-781006
Assam
Directors from Sponsor Bank
6. Shri Rathin De United Bank of India,
DGM and CRM, Central Assam Panbazar, H. B. Road,
Region Ghy-781001
7. Shri Timir Kumar Chattopadhyay Lead Bank Deptt, United
Asstt General Manager Bank of India, Head
Office, Kolkata-700001
Non-Official Directors from Govt. of India
8. Shri Sarif Uz-zaman Laskar Madhurband, Kadira
Road, Silchar, Cachar
Non-official Director
9. Shri P. L. Dev Mahanta Banphool Nagar Path,
Non-Official Director Dispur, Ghy-781006
2.8 ORGANIZATIONAL STRUCTURE OF AGVB:

HEAD OFFICE
Chairman
General Manager
C.M C.M C.M C.M C.M C.M C.M C.M

P&D,CS Dept. Per Dept A/c&Invs Vig Dept IT,MIS&FS Credit Dept Inspctn dept Rec&Cr.MonDept
Regional Offices
Reg. Mngr Reg. Mngr Reg. Mngr Reg. Mngr Reg. Mngr Reg. Mngr Reg.
Mngr
Nalbari Reg Golaghat Reg Silchar Reg. Lakhimpur Reg Guwahati Reg Kokrajar Reg
Dibrugarh Reg
(71 Br.Cover) (77 Br.Cover) (46 Br.Cover) (58 Br.Cover) (42 Br.Cover) (51 BrCover) (51
BrCover)
2.9 SERVICES OF ASSAM GRAMIN VIKASH BANK:

Assam Gramin Vikash Bank accepts Deposit from the public and provides Loan services to
customer.
2.9.1 DEPOSIT SCHEMES:
The various schemes of deposit are:
(i) CURRENT DEPOSIT: a current account is a running and active account which may be
operated upon any number of times during a working day. There is no restriction on the
number and the amount of withdrawals from a current account.

(ii) SAVINGS BANK DEPOSIT : A savings bank account is meant for the people of the
lower and middle classes who wish to save a part of their current incomes to meet their future
needs and also intend to earn an income from their savings. The bank, therefore certain
restrictions on the savings bank account and also offer a reasonable rate of interest.
(iii) RECURRING DEPOSIT: a variant of the savings bank account is the reccurring
deposit or cumulative deposit account introduced by bank in recent years. This account is
intended to inculcate the habit of saving on a regular basis as an inducement is offered in the
form of comparatively higher rate of interest.
2.9.2 LOAN AND ADVANCE SCHEMES:
The various loan and advance scheme of AGVB are:
(i) MICRO FINANCE (SHG/JLG): This type of loan basically give in small amount.
Which are doing as a self help group or joint liability, they take the micro finance. In India
many poor people are helpful from this loan.
(ii) LOAN FOR AGRIL AND ALLIED ACTIVITIES: Some farmers’ are not able to get
facility from government. But without any support some farmer are not able to do agriculture.
The particular product of AGVB help the farmer.
(iii) OD AGAINST BASIC S.B. ACCOUNT: Customer are who are regular customer of
Bank,then bank give him overdraft facility. Overdraft means customer are permitted
withdraw more than manoy which are deposited in his/her account.
(iv) EDUCATION LOAN :A brilliant student may not able to study for the money. But the
Bank give him education loan and started to counting his interest after 6 month completed of
his couse.
(v) PERSONAL LOAN: Personal loan is for only government employee. The personal loan
not for a particular product.
(vi) HOUSING LOAN: The housing loan is for help the people to buid a house. For a
housing loan customer must to have proper loan. If any customer don’t recover the loan
amount bank seel his house.
(vii)TRADE LOAN: Assam Gramin Vikash Bank help many trader to trade their trade.
AGVB give loan to all type of trader.
(viii) CAR LOAN: Assam Gramin Vikash help to rural people to improving their life. So, it
take a step for giving car loan to people. Assam Gramin Vikash Bank collaborate Tata
Motors.

(ix) SSI AND SME LOAN:SSI loan is small scale industry loan. Like Biscuit bakery,
bamboo product industry this small scale industry.
SME Loan means small and medium enterprise, like whole sale shop is example of Small and
Medium Enterprise.
(X) KISAN CREDIT CARD: Kisan Credit Card is for farmers.Using this facility farmers
are able take loan from any Nationalized Bank of India. The loan is to fulfill the farmers’
need for agriculture. With the help of this loan farmers are able to buy everything for
agriculture. Day by day the prices of all the goods which are used in cultivation are rising.
Government and agriculture department are giving pressure to the banks to sanction such
loan. Banks need to fulfill certain targets too.
After introduction of KCC loan, the farmers are able to do the business very nicely. As,
farmers are generally economically weaker, they are not able to buy the inputs which are
required for agriculture. As a result the the production is hampered. If any farmer takes
money from money lenders, they need to bear huge interest. As a result they don’t get any
profit.
(xi) PROFESSIONAL AND SELF EMPLOYED LOAN: This type of loan is mainly for
those people who are professional self employed. The professional and self employed loan is
taken by doctor ,C.A , Beutician, Goldsmith, Blacksmith etc. Who are doing their profeesion
in self Bank give them this type of loan.
(xii) SOLAR ENERGY LOAN:Due to the electricity problem some people are start to buy
solar plat. AGVB help to people for buying it.
2.10 OTHER FEATURES AND SERVICES:
(i) ATM: The Assam Gramin Vikash Bank newly launch their ATM facility. The ATM card
is in Rupe techonology. But the have no ATM machine, others Bank ATM are give chance to
withdrawl money with ATM card.
(ii)NEFT: In NEFT system people are trnsfering to money in one Bank another with no
cutting any charge. Due to this facility people are transferring money from AGVB to other
bank.
(iii) Call Deposit: One kind of Banker cheque.
(iv)Bancassurance: The life insurance facility also give by Assam Gramin Vikash Bank.
With collaboration Bajaj Alliance the bank do life insurance of the customer.

(v)Gift Cheque:In many occasion like marriage, anniversary some people are do not want to
carry a heavy goods. So, Bank introducing gift cheque facility. This are cheque which design
like a gift product. When a gift cheque is deposit by people Bank immedietly give the cheque
amount of money the people.
2.11 REGIONAL OFFICES OF ASSAM GRAMIN VIKASH BANK: There
have 7 Regional Office. These are Nalbari, Kokrajar, Guwahati, Silchar, Dibrugarh, Golaghat
and Lakhimpur Regional Office
2.12 BRANCHES OF ASSAM GRAMIN VIKASH BANK:

In all over Assam 358 number of branches of Assam Gramin Vikash Bank and it is the Bank
which have highest branch in Assam.
2.13 PERFORMANCE OF ASSAM GRAMIN VIKASH BANK IN 1 ST
APRIL 2013 TO 31ST MARCH 2014:
In financial year 2013 to 2014 Assam Gramin Vikash Bank performance in some particular
product is very good and incase of some product bad also.Now compare with others Bank in
some particular product.
2.13.1PERFORMANCE IN GIVING LOAN TO SELF HELP GROUP
Now days from Self Help Group many unemployed are become success.Self Help Group are
depositing money to Bank and taking loan from Bank they are doing very profitable
businesses.
The performance to give loan selp help group in 1 st April 2013 to 31st March 2014 are
analysis.
Table: 2.13.1 PERFORMANCE IN GIVING LOAN TO SELF HELP GROUP
Rank Bank Amount Share(%)
1 AGVB 58137 36
2 SBI 25342 16
3 UBI 18531 12
4 PNB 13266 8
5 UCO 12252 8

PERFORMANCE IN GIVING LOAN TO SELF HELP

GROUP
58137
25342
18531
13266 12252
AGVB SBI UBI PNB UCO
Fig 2.13.1 PERFORMANCE IN GIVING LOAN TO SELF HELP GROUP
In case of giving loan to Self Help Group, performance of Assam Gramin Vikash Bank is better than other
Banks.
2.13.2 PERFORMANCE TO ISSUING KISAN CREDIT CARD LOAN :

The issuing the Kisan Credit Card loan by difference bank to customer in 1 st April 2013 to
31st March 2014 are analysis.
Table: 2.13.2 PERFORMANCE TO ISSUING KISAN CREDIT CARD LOAN
Rank Bank No. of Customer Share(%)
1 AGVB 454144 31
2 SBI 433064 29
3 UBI 202506 17
4 PNB 94682 6
5 UCO 53583 1

Performance to issueing KCC loan
454144 433064
202506
94682
53583
AGVB SBI UBI PNB UCO
Fig 2.13.2 PERFORMANCE TO ISSUING KISAN CREDIT CARD LOAN

From the table and figure we assume that to issuing KCC loan Assam Gramin Vikash Bank
are doing highest business.

NEED, OBJECTIVES, SCOPE AND LIMITATIONS

3.1 NEED OF THE STUDY:

This study is being conducted in Assam Gramin Vikash Bank, Barpeta Road branch. The
main need of conducting the survey was to find out the factors which lead to the popularity of
the Kisan Credit Card among the farmers as compared to the other brands offering the same.
Moreover survey was carried on in order to find out whether the farmers are utilizing the loan
amount in any other area besides agriculture. AGVB was keen to find out the factors which
give them extra edge over other brands, which entails the main need of the study.
3.2 OBJECTIVE OF THE STUDY:

The primary objective is:
 To find out the important factors effecting the sale of Kisan Credit Card.
The secondary objectives of the study are:
 To find out the areas where the loan amount has been utilized.
 To find out the reasons of choosing Assam Gramin Vikash Bank for Kisan Credit
Card
 To find out the satisfaction level of farmers with the factors of Kisan Credit Card
loan.
3.3 SCOPE OF THE STUDY:

The main scopes of this study are:
i. This study provides an opportunity to know the opinion of the customer about the services
of AGVB
ii. The study provides an opportunity to know about the schemes of other competing Banks
iii. The study is restricted only to the Barpeta Road region. It can be further extended to the
entire Assam or North East region.
3.4 LIMITATIONS OF THE STUDY:

The limitations of this study are listed below:
i. The study was carried out within a short span of time i.e. within two months. So, in-depth
study was not possible within this short period.
ii. The respondents sometimes may not give the correct response due to negligence.

iii. The another limitation is the area of the study which faces Bandh given by some particular
groups. So surveying the respondents become difficult.
iv. Another limitation is that almost majority of the farmers surveyed were uneducated. So
the survey was conducted along with a schedule and lot of explanations was given to them to
make it understable, which is a time consuming affair.

METHODOLOGY
4.1 RESEARCH PLAN:
4.1.1 Research Design:

The research was both exploratory and descriptive in nature.

The entire primary study was undertaken in Barpeta Road Area. In order to provide a current
snapshot of the impact of Assam Gramin Vikash Bank in agriculture sector. This involved
data collection through a detailed opinion-schedule across the customers of Assam Gramin
Vikash Bank.
The technique used for data collection was ‘One-on-One interviews’. Individual responses
thus obtained were then compiled, processed and analyzed to arrive at the opinions on
various issues. The instrument for data collection, in the form of a ‘Structured Schedule’, was
designed to elicit information on demographic aspect of the respondents. The demographic
aspect includes gender and yearly income. The Schedule had a mix of open-ended and
closed-ended questions in it. The open- ended questions, which gave an added ‘qualitative
feel’ to the instrument, provide the logic or rationale for the behavioral patterns and thus help
in generating insights.
Primary data was also collected from 158 customer of Assam Gramin Vikash Bank. In
addition to the primary research, secondary data was collected from articles published by the
bank, banking related books and also from the worldwide web.
4.1.2 Data collection method:

The primary data was collected through
 Structured Schedule
 Observation
 Personal interview
4.1.3 Sources of data :

A. Primary data Sources: The primary data sources in this project are the local farmers of
Barpeta Road region who has taken KCC loan from various banks.
B. Secondary data Sources:

 Various reports of Kisan Credit Card
 Other References viz. relevant websites of Assam Gramin Vikash Bank and
concerned state Reserve Bank of India, Regional Rural Bank.
 Prathamik Banking
 Assam Gramin Vikash Bank’s own Magazine.

4.1.4 RESEARCH INSTRUMENT:

Well defined structured, personally administered Schedule. It also included structured and
unstructured personal interviews.
 Schedule Design: For this study one Schedule was designed and used, for customer.
The Schedules was framed with the intention to collect the required information. Each
question was directed towards eliciting informations related to objectives. Both open and
closed ended questions was used so as to make it easy for the respondents and at the same
time get the requisite amount of data required for the study. Moreover, rating scales have
been used to gauge the perception of the respondents.
4.1.5 SCALING TECHNIQUE: Nominal scale and Interval scale has been used
4.1.6 Sampling Plan:
4.1.6.1 Sample Size: Customers sample size is 158
4.6.2 Sample Element: 100 Customers of AGVB and 58 customers of other bank
who has taken KCC loan
4.1.6.3 Sampling Procedure: Convenient and judgment sampling was employed for
collecting primary data in this study.
4.1.6.4 Duration of the study: Two months (From 2nd June to 31st July, 2014)
4.1.6.5 Organization: Assam Gramin Vikash Bank
4.1.6.6 Research area: Barpeta Road Town
4.1.7 Data representation tools: Bar diagrams, Pie diagrams and various charts has
been used to represent the facts and figures.
4.1.8 ANALYSIS TECHNIQUE: Weighted arithmetic mean method is used to find out
the relative importance of various factors on different variables.
Formula for calculating Weighted Arithmetic Mean Score:
∑WX
Weighted Arithmetic Mean Score =
∑X
Where, W= Values assigned to the scale parameters
X= Number of respondents

5.1 GENDER BASED DISTRIBUTION OF KISAN CREDIT CARD’s

RESPONDENTS:
In this analysis Gender of Kisan Credit Card’s Customers are evaluated (Refer to question no.
1 in the Schedule). The following interpretations have been arrived at through this analysis.
Table: 5.1: Gender based distribution of Kisan Credit Card’s Respondents

Gender No. of respondents Percentage (%)

Male 136 86
Female 22 14
Total 158 100
Gender based distribution of Kisan Credit Card's Respondents

Male Female
14%
86%
Fig 5.1 Gender based distribution of Kisan Credit Card’s Respondents
Interpretation: From the above table 5.1 and the figure 5.1 it is found that, male and female
customers of Kisan Credit Card are 86% and 14% customers respectively who availing the
KCC loan.
5.2 TYPES OF CULTIVATION DONE BY THE RESPONDENTS ARE:

This study aimed at analyze the type of cultivation which are done by the respondents who
has taken KCC loan (Refer to the question no 2 in the Schedule). The following interpretation
have been arrived at through this analysis
Table 5.2: Types of Cultivation done by the respondents
Cultivatio No. of Respondents Percentage

n
Kharif 77 49%
Robi 38 24%
Both 43 27%
Types of Cultivation done by the respondents
49
24 27
Kharif Rabi Both
Fig 5.2 Types of Cultivation done by the respondents
Interpretation- From the above table 5.2 and figure 5.2 it iss found that 49% of respondents
are doing Kharif cultivation, 24% respondents are doing Robi Cultivation and 27% of are
doing both type of cultivation.
5.3 TYPE OF CROPS PRODUCED BY RESPONDENTS AVAILING KCC LOAN

The analysis is done on the basis of types of crops which are produced by the farmers (Refers
to question no 3 in the Schedule). The following interpretation have been arrived at through
this analysis.
Table 5.3: Types of Crops produce by respondents availing KCC loan
Crops No. of Respondents Percentage
Paddy 117 74
Vegetables 141 26
Others 0 0
Total 158 100

Types of Crops produce by respondents availing

KCC loan
74
26
Paddy Vegetables Others
Fig 5.3 Types of Crops produce by respondents availing KCC loan
Interpretation- From the above table no 5.3 and figure no 5.3 it has been found that, out of
100 respondents, 74% are doing only Paddy crops, 26% are doing Vegetables and no other
crops are cultivated. So, it can be observed that more number of farmers are doing Vegetables
than the Paddy crops who have taken KCC Loan.
5.4 RESPONDENTS YEARS OF EXPERIENCE IN AGRICULTURE:

Effort was made to identify the length of engagement of the respondents in agriculture (Refer
to question no 4 in the Schedule). The following interpretation have been arrived at through
this analysis.
Table5.4 Respondents years of experience in agriculture
YEARS No. of Respondents Percentage

1-5 Years 3 2
6-10 Years 32 20
11-20 Years 19 12
Above 21 Years 104 66
Fig 5.4
Total 158 100
Respondents years of experience in agriculture

Interpretation- From the above table 5.4 and figure5.4 it has been found that, 2% are
engaged in agriculture from 1-5 years, 20% are engaged from 6-10 years, 12% are engaged
from 11-20 years and 66% are having more than 21 years of experience in agriculture. So it
can be observed that most of the respondents are having more than 21 years of experience in
cultivation.
5.5 RESPONDENTS YEARLY INCOME:
Attempt was made to find out the yearly income of Respondents who has taken KCC loan
(Refer to the question no 5 in the Schedule). The following interpretation have been arrived at
through this analysis.
Table5.5 Respondents yearly income

Yearly income No of Respondents Percentage
Below 50000 7 4
51000-100000 100 63
101000-150000 40 25
Above 150000 11 8
Respondents yearly income
63 %
25%
4% 8%
Below 50000 51000-100000 101000-150000 Above 150000
Fig 5.5
Interpretation- From the above table no 5.5 and the figure no 5.5 it is observed that, 4% of
respondents’ yearly income is below 50000, 63% of respondents’ yearly income is 51000-

Respondents yearly income 100000 and 25% of respondents’ yearly income is 101000-
150000 and 8 % of respondents’ yearly income is above 150000.
5.6 RESPONDENTS LEVEL OF AWARNESS ABOUT KCC LOAN

Effort is made to find out the awareness level of respondents about KCC loan (Refer to
question no 6 in the Schedule). The following interpretation have been arrived at through this
analysis.
Table No. 5.6 Respondents level of awareness about KCC loan
Option No. of Respondents Percentage
Yes 158 100%
No 0 0%
Total 158 100%
Respondents level of awareness about KCC

loan
Yes No
100%
Fig No. 5.6 Respondents level of awareness about KCC loan

Interpretation- From the above table 5.6 and the figure 5.6 it is observed that, 100%
respondents are aware about KCC loan.
5.7 RESPONDENTS WHO HAVE TAKEN KCC LOAN

This study is for analysis whether respondents have taken KCC loan or not. (Refer to
question no 7 in the Schedule). The following interpretation have been arrived at through this
analysis.
Table5.7 Respondents who have taken KCC loan
Yes 158 100%
No 0 0%
Respondents who have taken KCC loan

Yes No
100%
Fig 5.7 Respondents who have taken KCC loan

Interpretation- From the above mention table no. 5.7 and the figure no. 5.7 it has been found
that 100% respondents has taken KCC loan.
5.7.1 RESPONDENTS TAKEN LOAN FROM WHICH BANK

This study is for analyzing the bank which gave the KCC loan to the respondents.
Table 5.7.1 Respondents taken KCC loan from which bank
AGVB 100 63%
Other Banks 58 37%

Respondents taken KCC loan from which bank
63%
37%
AGVB Others Bank
Fig 5.7.1 Respondents taken KCC loan from which bank

Interpretation- From the above table5.7.1 and the figure 5.7.1 it has been found that 63%
respondents are taking the KCC loan from AGVB and only 37% are taking from other Bank.
5.8 NUMBER OF RESPONDENTS TAKEN KCC LOAN FROM AGVB:

This study involves analysis of the respondents who has taken KCC loan from AGVB (Refer
to the question no. 8 in the Schedule). The following interpretation have been arrived at
Table 5.8 Number of Respondents taken KCC loan from AGVB
Yes 100 63%
No 58 37%
Total 158 100%

Number of Respondents taken KCC loan from

AGVB
Yes No
37%
63%
Fig 5.8 Number of Respondents taken KCC loan from AGVB
Interpretation- From the above table no 5.8 and figure no 5.8 it is found out that 63% of
respondents have taken KCC loan from Assam Gramin Vikash Bank and 37% respondents
have taken loan from Other Banks.
5.9 RESPONDENTS LENGTH OF RELATIONSHIP WITH AGVB :

Attempt is made to find out the length of the relationship of respondents with AGVB (Refers
to question no 9 in the Schedule). The following have been arrived at through this analysis.
Table 5.9 Respondents Length of Relationship with AGVB
Years No. of Respondents Percentage (%)
Less than 1 4 3%
1-5 Years 20 12%
6-10 Years 11 6%
More than 10 Years 65 43%
No relation 58 36%

Respondents Length of Relationship with AGVB
43%
36%
12%
6%
3%
Less than 1 1-5 Years 6-10 Years More than 10 No relation

Years
Fig 5.9 Respondents Length of Relationship with AGVB
Interpretation- From the above table no 5.9 and figure no 5.9 it is found out that 3% of
respondents are having less than 1 year relationship with AGVB, 12% are having 1-5 years,
6% are having 6-10 years and 43% are having more than 10 years relationship.
5.10 RESPONDENT’s REASONS FOR CHOOSING AGVB

The analysis is attempting to find out the respondent’s reasons for choosing the AGVB (Refer
to Question No. 10 in the Schedule. The following have been arrived at through this analysis.
Table 5.10 Respondent’s reasons for choosing AGVB
Reason No. of Respondents Percentage
Regular old customer 11 7%
Feel easy to transact 80 51%
Have a branch nearer to our 3 2%
place
Easily available than other 6 4%
bank
No reason 58 36%
Total 158 100

Respondent's reasons for choosing AGVB
51%
36%
7% 4%
2%
Regular old cus- Feel easy to Have a branch Easily available No reason
tomer transact nearer to our than other bank
place
Fig 5.10 Respondent’s reasons for choosing AGVB

Interpretation- From the above table no 5.10 and the figure no 5.10 it has been found that ,
7% of respondents are choosing AGVB because they are Regular old customer, 51% of
respondents choosing as they feel easy to transact with AGVB, 2% of respondents have
branch nearer to their residence and 4% thinks that loan are easily available than other bank.
5.11 RESPONDENTS’ KCC LOAN AMOUNT

This study is attempting to analyse on the loan amount to the Customer by AGVB (Refer to
Question No. 11 in the Schedule). Interpretations are shown in the table 5.11 and figure 5.11
below.
Table 5.11 Respondents loan amount

Amount No. of Respondents Percentage
25000-40000 107 68%
40100-60000 30 18%
60100-100000 16 11%
More than 100000 5 3%
Total 158 100%

Respondents loan amount
68
18
11
3
25000-40000 40100-60000 60100-100000 More than 100000
Fig 5.11 Respondents loan amount

Interpretation- From the above table no 5.11 and the figure no 5.11 it is found that 68% of
respondents getting 25000-40000 amount of loan, 18% of respondents getting 40100-60000,
11% respondents are getting 60100-100000 and 5% of respondents are getting more than
100000 of KCC loan.
5.12 WHO PROMPTED THE RESPONDENTS TO CHOOSE AGVB

This study is attempting to analysis who prompted the respondents to choose AGVB (Refer
to question no. 12 in the Schedule). The following interpretations have been arrived at
Table5.12 Who prompted the respondents to choose AGVB
SOURCES PERCENTAGE
BANK EMPLOYEE 2
OTHERS FARMERS 22
FAMILY MEMBERS 1
OWN DECESSION 75
TOTAL 100

Who prompted the respondents to choose

AGVB
75
22
2 1
Bank employee Others farmers Family members own decession
Fig 5.12 Who prompted the respondents to choose AGVB
Interpretation- From the above table no 5.12(a) and the figure no 5.12(b) it is found that 2%
respondents are approached by Bank employees, 22% of respondents are advised by other
farmers, 1% of respondents are advised by family member and 75% respondents choose
AGVB by their own decision.
5.13 FACTORS THAT ARE IMPORTANT FOR SELLING KCC LOAN IN VIEW OF
RESPONDENTS:
This study is to analysis the factors that are important for selling KCC loan (Refer to question
no 13 in the Schedule). The following interpretations have been arrived at through this
analysis.
Table 5.13 Important factors for selling KCC loan in view of respondents
Factors Important Neither Unimportant WAM Rank
Important nor
Unimportant
a)Loan 141 6 11 2.82 3rd
amount
b)Term of 141 6 11 2.82 3rd
Loan
c)Rate of 148 10 0 2.93 2nd

Interest
d)Bank 121 36 1 2.76 4th
Service
e)Process of 154 3 1 2.97 1st
getting loan
Important factors for selling KCC loan

180
160
140
120
100
Fig 5.13 (A)
80
60 Important
40 factors for selling
20
KCC loan
0
a)Loan amount b)Term of Loan c)Rate of Interest d)Bank Service e)Process of getting
loan
WAM Values Showing Imporatants Factors For

Selling KCC Loan
3
2.95
2.9
2.85
2.8
2.75
2.7
2.65
loan
Fig 5.13 (B) WAM Values Showing Importants Factors For Selling KCC Loan
Interpretation- From the above table no 5.13 and the figure no 5.13 it has been observed that
for selling KCC, the most important factors is process of getting loan as indicated by WAM
value 2.97, which is followed by 2nd ranked factors i.e. rate of interest with WAM value 2.93.
3rd important factors for choosing KCC loan are loan amount and term of the loan with

WAM value 2.82 respectively. And finally in the 4 th position it is bank services with WAM
value 2.76.
5.14 RESPONDENTS LEVEL OF SATISFACTION WITH THE FACTORS OF KCC

LOAN
Effort is made to find out the respondents’ level of satisfaction with the factors of KCC
loan (Refer to question no 14 in the Schedule). The following results have been arrived at
Table5.14 Respondents level of satisfaction with the factors of KCC loan of AGVB
Factors Satisfied Neither satisfied Dissatisfied WAM Rank
nor dissatisfied
a)Loan amount 3 6 149 1.07 4th
b)Term of Loan 2 6 150 1.06 5th
c)Rate of Interest 9 6 143 1.15 3rd
d)Bank Service 154 1 3 2.96 1st
e)Process of getting 92 63 3 2.56 2nd
loan
Respondents level of satisfaction with the

factors of KCC loan of AGVB
180
160
140
120
100
80
60
40
20
0
loan
Satisfied Neither satisfied nor dissatisfied Dissatisfied
Fig 5.14 (A) Respondents level of satisfaction with the factors of KCC loan

Wam value showing Respondents level of sat -

isfaction with the factors of KCC loan
3.5
2.5
1.5
0.5
0
loan
Fig 5.14 (B) WAM value showing Respondents level of satisfaction with the factors of
KCC loan
INTERPRETATION- From the above table no 5.14(A) and the figure no 5.13(B) it is found
out that respondents consider bank service as the most satisfactory one as indicated by WAM
value 2.96. In the 2nd position respondents are satisfied with the process of getting loan in
AGVB bank as indicted by WAM value 2.56. In the 3 rd position, respondents are satisfied
with Rate of Interest. In the 4th and 5th position, respondents are satisfied with Loan Amount
and term of Loan with WAM value 1.07 and 1.06 respectively.
5.15 USE OF THE LOAN AMOUNT BY THE RESPONDENTS IN ANY OTHER

PURPOSE
This study is also analyzing the use of the loan amount by the respondents in any other
purpose apart from agriculture. (Refer to question no 15 in the Schedule). The following
interpretations have been arrived at through this analysis.
Table5.15 Use of the loan amount by the respondents in any other purpose
Yes 0 0
No 158 100
Total 158 100

Use of the loan amount by the respondents in

any other purpose
Yes No
100%
Fig 5.15 Use of the loan amount by the respondents in any other purpose
Interpretation- From the above table no 5.15 and the figure no 5.15 it has been found that
100% respondents are utilizing the loan amount in their agriculture only. So respondents are
not channeling their loan in other agriculture related activities.
5.16 CONDITION OF AGRICULTURE BEFORE TAKING THE LOAN BY

RESPONDENTS
This study is to analysis the condition of agriculture before taking the KCC loan by the
respondents(Refer to the question no 16 in the Schedule). The following interpretations have
been arrived at through this analysis.
Table 5.16 Condition of agriculture before taking KCC loan by respondents
Good 23 15
Average 104 65
Bad 31 20
Total 158 100

Condition of agriculture before taking KCC loan

by respondents
65
20
15
Good Average Bad
Fig 5.16 Condition of agriculture before taking KCC loan by respondents
Interpretation – From the above table no. 5.17 and figure no. 5.17 it has been found that
only 15% of farmers’ agricultural condition was good before taking the loan, 65% farmers’
condition was Average and 20% farmers’ condition was bad.
5.17 CONDITION OF AGRICULTURE AFTER TAKING THE KCC LOAN BY

RESPONDENTS
This study is to analysis the condition of agriculture after taking the KCC loan (Refer to the
question no 17 in the Schedule). The following interpretations have been arrived at through
this analysis.
Table5.17 Condition of agriculture after taking the KCC loan by respondents
Good 105 66
Average 43 27
Bad 10 7
Total 158 100

Condition of agriculture after taking the KCC

loan by respondents
66
27
7
Good Average Bad
Fig 5.17 Condition of agriculture after taking the KCC loan by respondents
Interpretation- From the above table no. 5.17 and the figure no. 5.17 it has been found that
66% farmers’ condition after taking the loan is good, 27% farmers’ consider it as bad and
7% farmers’ consider it as Average. So it is assumed that from the KCC loan farmers are
improving their agriculture.
5.18 RESPONDENTS WHO HAVE TAKEN LOAN FROM MONEYLENDER

This study is for analysing whether the respondents borrow money from moneylenders apart
from KCC loan. (Refer to question no 18 in the Schedule). The following Interpretation has
been arrived at through this analysis.
Table5.18 Respondents who have taken loan from moneylender

Yes 2 1
No 156 99

Respondents who have taken loan from

moneylender
Yes No
1%
99%
Fig 5.18 Respondents who have taken loan from moneylender
Interpretation- From the above table and the figure it is found out that 1% customers have
taken loan from moneylenders and 99 have not.

MAJOR FINDINGS
To analysis the different responses of the respondents of Customer of Assam Gramin Vikash
Bank, following main findings have been found in this study.
1. From the study it has been found that 86% of male respondents are availing
KCC loan. 14% female cultivators are also availing KCC loan from bank.
(Refer to Interpretation no 5.1)
2. Under this study it has been found that, 49% Farmers are doing Kharif
Cultivation. (Refer to Interpretation no 5.2)
3. 66% of respondents have more than 21 years of experience in cultivation.
4. 63% of respondents have yearly income within 51000-100000 range. (Refer to
Interpretation no 5.5)

5. 63% of respondents have taken KCC loan from AGVB and 37% have taken
from other Banks. It means most of the respondents are taking KCC loan from
AGVB. (Refer to Interpretation no 5.7)
6. 51% of respondents avail loan from AGVB because they feel it is easy to
transact with AGVB. (Refer to Interpretation no 5.9)
7. From the study it is found that customer of KCC loan are not satisfied with the
loan amount and rate of interest. They want more amount of loan money at
low rate of interest. (Refer to Interpretation no 5.10)
8. 75% of respondents come to AGVB for taking loan on their own decision.
9. The most important factors for selling KCC loan as per the view point of
respondents is process of getting loan as indicated by WAM value 2.97. (Refer
to Interpretation no 5.12)
10. From this study it has been found that, respondents are satisfied with the Bank
services as indicated by WAM value 2.96. (Refer to Interpretation no 5.13)
11. 100% respondents are utilizing the loan amount in their agriculture only. So, it
is assumed that almost all farmers are utilizing their loan amount in their
agriculture only. (Refer to Interpretation no 5.14)
12. According to only 15% respondents’ agricultural condition was good before
taking KCC loan. But after taken KCC loan 66% respondents’ agricultural
condition is good. (Refer to Interpretation no 5.15)
13. 66% respondents agreed to the fact that their agricultural conditions have
improved after taking K.C.C loan. (Refer to Interpretation no 5.16)
14. Only 1% farmers have taken money from moneylender for doing agriculture.
So, it can be assumed that most of the farmers are taking agricultural loan
from organized sectors.(Refer to Interpretation no 5.19)

RECOMMENDATIONS
 Out of the total respondents only 14% are female respondents. So, number of female
cultivation availing loan are less as compared to male. So, bank can emphasized on
this segment and can come up with special scheames to lure them.
 Bank should emphasize on bringing more transparency and simplify the process of
getting loan by reducing the amount of orthodox paper works. Because most of
respondents consider the easy process of getting loan is the most important factor for
getting loan.
 Most of the respondents are uneducated and due to lack of awareness many farmers
hasitate to approach bank for loan. So, bank may take initiative to educate the farmers

about the benefits of K.C.C loan, case of getting loan, channelizing the loan etc. ,
Then many reluctant farmers may approach AGVB for K.C.C loan.
 1% respondents are availing loan from money lenders out of 158 respondents. So, it
can be assumed that there are still a segment of farmers are availing loan from
unorganized sector due to various reasons. So, bank may target these potential
customers and attract them to avail loan from bank only.

CONCLUSION
This summer training of two month at Assam Gramin Vikash Bank, Barpeta Road Branch
was a successful training and it enriches knowledge to a great extent.
Actually agriculture is a primary factor of a country for its economical growth. Those
countries, whose agricultural condition is not good, need to be dependent on the other
countries for their basic consumption requirement. When a country needs to depend on the
other countries, it faces a fear of domination by the country.
Most of the farmers of our country are very poor. They are engaged in traditional way of
cultivation, without proper knowledge, technology and financial assistance. In our country
farmers’ do not get proper facility for cultivation. In the recent past, the Government and
Banks have taken some steps for helping the farmers. Kisan Credit Card is an innovation for
providing maximum possible assistance to the farmers during their needs. Most of the
farmers are not well educated, so they seek easy ways of transaction, lesser rate of interest,

adequate quantum of finance and timely assistance. Kisan Credit Card is a customized
product to assist the farmers to help them in cultivation and thereby helping in the growth of
the country. AGVB is one of the leading nationalized bank helping in this aspect.
In this project it is evident that the important factors for selling Kisan Credit Card is the rate
of interest and loan amount. It is also found out that customers come to Assam Gramin
Vikash Bank because they feel easy to transact in the Bank. Farmers are also accepting that
they are more successful in agriculture as compare to previous days after availing KCC loan.
Thus conclusion which can be derived from the study is that if bank gives more amount of
money as a loan to farmers then farmers will be much benefited as they will be able to
purchase agricultural products like tractor, pumpset etc and thereby modernize the cultivation
process. Our country primarily depends on agriculture. If our agricultural produce can be
made sufficient then we will not be dependable on other state or country. Farmers will also be
able to purchase agricultural products in order to modernize the cultivation process.
Hopefully, the suggestions and recommendations when implemented will prove to be more
beneficial for the organization.

BIBLOGRAPHY
BOOKS
 Prathamik Banking 1st Edition, Publish By Mani-Manik Prakash
 Banking Law and Practice,19th Edition, Reprint 2003,Sultan Chand and Sons
JOURNAL
 AGVB Barta April-June, 2014, April-June,2014
ONLINE RESOURCES:
 http://agvbank.co.in/
 http://indg.in/agriculture/credit/agri-credit-kisan
 http://rbi.org.in/home.aspx


1/ What type of cultivation are you doing?

Kharif Robi Both
2/ What type of crops are you producing?

Paddy Vegetables Others
3/ Since when are you engaged in agriculture?

1 Year- 5 Years 6 Years- 10 Years 11 Years- 20 Years
21Years above
4/ How much is your yearly income?

Below 50000 51000- 100000 Above 100000
5/ Are you aware of KCC Loan ?

Yes No

6/ Have you taken KCC loan from AGVB?

Yes No
7/ From how many years are you the customer of AGVB?

Less than 1 Years 1Year-5 Years More than 5 Years
8/Why do you choose AGVB for your KCC loan? Regular old Customer of AGVB
Feel easy to transact Have a branch nearer to our Place
Easily available than other No reason
9/ How much loan amount have you taken from AGVB?

Below25000 25000-50000 50000-100000
Above 100000
10/ What are the term of your loan?

Upto 1 Year 1 Year-5Years Above 5 Years
11/Are you utilizing your loan amount in any other purposes?

Yes No
If Yes, Where…………………………………………………………………
12/ Before taking the loan what was the condition of your agriculture?
Good Average Bad
13/ After taking the loan what is the condition of your agriculture?
Good Average Bad
14/ Do you have any complain about the loan amount of AGVB?

Please
indicate…………………………………………………………………………………………
………………………………….
15/ Indicate your level of satisfaction about the factors of loan
Factors Satisfied Neither Satisfied nor Dissatisfied
Dissatisfied
1/ Loan Amount
2/ Term of Loan
3/Rate of Interest
4/ Bank Service
5/Process of getting
loan

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A study of the factors affecting on the sale of Kisan Credit Card (a loan product) of

1.1 ABOUT KISAN CREDIT CARD:

G.C.C Centre of Management Studies Page 1

1.2 HISTORY OF KISAN CREDIT CARD:

G.C.C Centre of Management Studies Page 2

Recommendations of various Committees appointed by Govt. of India and studies conducted

a. To meet the short term credit requirements for cultivation of crops

G.C.C Centre of Management Studies Page 3

d. Consumption requirements of farmer household

1.4 SECURITY OF KISAN CREDIT CARD LOAN:

1.5 TERM OF LOAN:

1.6 INTEREST RATE:

G.C.C Centre of Management Studies Page 4

G.C.C Centre of Management Studies Page 5

G.C.C Centre of Management Studies Page 6

G.C.C Centre of Management Studies Page 7

2.5 CHARACTERISTICS OF ASSAM GRAMIN VIKASH BANK:

2.6 CAPITAL OF ASSAM GARMIN VIKASH BANK:

Table 2.6 CAPITAL OF ASSAM GARMIN VIKASH BANK:

G.C.C Centre of Management Studies Page 8

Capital of Assam Gramin Vikash Bank

United Bank of India

G.C.C Centre of Management Studies Page 9

2.7 BOARD OF DIRECTORS:

2.8 ORGANIZATIONAL STRUCTURE OF AGVB:

C.M C.M C.M C.M C.M C.M C.M C.M

2.9 SERVICES OF ASSAM GRAMIN VIKASH BANK:

G.C.C Centre of Management Studies Page 11

G.C.C Centre of Management Studies Page 12

G.C.C Centre of Management Studies Page 13

2.12 BRANCHES OF ASSAM GRAMIN VIKASH BANK:

G.C.C Centre of Management Studies Page 14

PERFORMANCE IN GIVING LOAN TO SELF HELP

AGVB SBI UBI PNB UCO

Fig 2.13.1 PERFORMANCE IN GIVING LOAN TO SELF HELP GROUP

2.13.2 PERFORMANCE TO ISSUING KISAN CREDIT CARD LOAN :

G.C.C Centre of Management Studies Page 15

Performance to issueing KCC loan

AGVB SBI UBI PNB UCO

Fig 2.13.2 PERFORMANCE TO ISSUING KISAN CREDIT CARD LOAN

G.C.C Centre of Management Studies Page 16

NEED, OBJECTIVES, SCOPE AND LIMITATIONS

3.1 NEED OF THE STUDY:

3.2 OBJECTIVE OF THE STUDY:

3.3 SCOPE OF THE STUDY:

3.4 LIMITATIONS OF THE STUDY:

G.C.C Centre of Management Studies Page 18

G.C.C Centre of Management Studies Page 19

G.C.C Centre of Management Studies Page 20

The research was both exploratory and descriptive in nature.

4.1.2 Data collection method:

4.1.3 Sources of data :

B. Secondary data Sources:

G.C.C Centre of Management Studies Page 21

4.1.4 RESEARCH INSTRUMENT:

G.C.C Centre of Management Studies Page 22

5.1 GENDER BASED DISTRIBUTION OF KISAN CREDIT CARD’s

Table: 5.1: Gender based distribution of Kisan Credit Card’s Respondents

G.C.C Centre of Management Studies Page 23

Gender No. of respondents Percentage (%)

Gender based distribution of Kisan Credit Card's Respondents

Fig 5.1 Gender based distribution of Kisan Credit Card’s Respondents