Jithin 1

PROJECT REPORT 2022-2023
INTRODUCTION
A bank is a financial institution and a financial intermediary that

accept into lending activities, either directly by loaning or indirectly through
capital markets. A bank links together customers that have capital deficit and
customers with capital.
According to Banking Regulation Act 1949 “A bank is one which

transacts, the business of banking which means from public, repayable on
demand or otherwise and withdrawal by cheque, draft order or otherwise”.
Loans and Advances are the most important aspect of any banking
organization. Loan is a type of debt like all debt instruments, a loan entails
the redistribution of financial assets overtime The borrower initially received
an amount of mon from the lender, which they pay back, usually but not
always in regular installment, to the lender. This service is generally provided
at cost, referred to as interest on the debt. The sum of borrowed money
(principal) that is generally repaid with interest Loan-to- value-ratio the
relation between the amount of the mortgage loan and the appraised value of
the property expressed as a percentage
Look lenders guarantee that the mortgages are quoted will be good for a
specific number of days from day of application Money margin, the amount
of a lender adds to the index on an adjustable ratio mortgage to establish the
adjusted interest rate. ADVANCE is a term that describes a secured loan
made to a member. Advance is offered at fixed or floating rates which
specific maturities or with embedded options for early redemption. There are
different types loan offered by a bank.
THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 1

TITLE OF THE STUDY

“A STUDY ON LOANS AND DEPOSITS WITH SPECIAL REFERENCE
TO ELAVANCHERY SERVICE CO-OPERATIVE BANK LTD ”
OBJECTIVE OF THE STUDY

 To know the different types of loans and deposits provided by the bank
 To find out which type of loans are most preferred by customer
 To find out which type of deposits are most preferred by customer
 To know the procedure followed by the society while using loans and
deposits
 To understand the concept of loan
SCOPE OF THE STUDY

 To understand the concept of loans and deposits
 Study covers last 5 years performance of the bank
 The scope of the study is neither deep or wider for the loans and deposits
of banks
 To evaluate the performance of the bank and analyse loans and deposits
and to understand which type of loans and deposits is more preferred by
the customers
RESEARCH METHODOLOGY
According to Clifford woody "Research comprises defining
redefining problems formulating hypothesis for suggested solutions
collecting, organizing and evaluating data making deductions and reaching
conclusion and at least careful testing the conclusion to determine whether
they fit in formulating hypothesis" A research can be generally defined as a
systematic method and finding solution to a problem the systematic approach
concerning generalization and formulation of a theory is called research.

RESEARCH DESIGN
Descriptive research is used in this study in order to identify the lending
practices of bank and determining customer level of satisfaction.
SOURCE OF DATA
 Primary sources
 Secondary sources
1) PRIMARY SOURCES
These are original sources from which the researcher directly collects data
Through personal interview and discussing with the secretary and other staffs
valuable information collected
 Observation method
 Interview method
2) SECONDARY SOURCES
The secondary data are those data which have been already collected by
someone else and which have been already passed through the statistical
process.
This data was collected from the files of the bank documents, reports,
articles, books internet and other sources.
TOOLS USED FOR ANALYSIS

 Graph
 Table
 Trend analysis
 Simple percentage method

PERIOD OF THE STUDY
The period of the study is 21 days
LIMITATION OF STUDY
The research was limited because of the fact that the major source of data is a
from the annual reports of the bank Which was subjected to accounting
policies and practice Fire followed by the bank The major limitations are:
 The time span of the study is limited.

 Due to strict confidentiality policy of the bank the accounts departments
provided only screened information
 Bank do not reveal all the business secret
 Due to busy schedule of advance manager of the banks only financial
statement were referred
 There is no proper system for updating information

CHAPTER 2
BANK PROFILE

INTRODUCTION
A co-operative bank is financial entities which belong to its

members, who are the same time the owners and the customers of their bank.
Co-operative banks are often created by person belonging to the same local
or professional community or sharing a common interest co- operative banks
generally provide their members with a wide range of banking and financial
services (loans, deposits, banking, accounts etc.)
Co-operative differs from stockholder banks by their organization,

their values and their governance In most countries, they are supervised and
controlled by banking authorities and have to respect prudential banking
regulations, which put them at a level playing field with stockholder banks
Depending on countries this control and supervision can be implemented
directly by state entities or delegated to a co-operative federation or central
body, Co-operative banking is retail and commercial banking organized on a
co-operative basis Co-operative banking institutions take deposits and lend
money in most parts of the world co- operative banking, includes retail
banking, as carried out by credit unions, mutual saving and loan associations,
building societies and co-operatives. As well as commercial banking service
provided by mutual organizations
CO-OPERATIVE SOCIETIES
The Kerala co-operative society Act is an enactment to consolidate, amend

and unify the law relating to co-operative was classified into 9 categories.
 Co-operative banks
 Co-operative credit societies
 Co-operative marketing societies

 Co-operative consumer stores

 Co-operative processing societies
 Co-operative farming societies
 Co-operative produces societies
 Co-operative housing societies
 Miscellaneous societies
ELAVANCHERY SERVICE CO-OPERATIVE
BANK LTD
The elavanchery service co-operative bank is situated at elavanchery

panchayath, Chittur Taluk, Palakkad. The bank is registered as a co-operative
society under the Travancore-Cochin co-operative societies Act 1951. The
bank was registered at Chittur and the date of registration of the bank is 04-
12-1961. The date of commenced of work at 15-01-1962.
AREA OF OPERATION
As per by laws the area of operation of the bank is elavanchery Village
MEMBERSHIP
Every major person who resides with in the area of operation or holding land
with the area of operation of the society the state government can also a
member of the society.
A person should subscribe at least one share to become a member of the

society. But the maximum share that one member can hold is limited to 1/5th
of the total share capital of the society. The share capital of the bank consist
“A” class and “B” class ”C” class and “D” class.

Any person become a member of the bank, if he resides with in the area of
operation that is specified in the bye law and he has attained the age of 18
years insolvent person cannot become a member of the bank. All assets of the
members must be treated as the security for the loans provided to them. At
the time of repayment of the shares the refundable amount should not be
exceed 10% of the last year share capital
LIABILITIES OF MEMBER
The liabilities of the bank limited to the amount of share capital subscribed
by them and the liabilities are come into force at the time of winding up the
society.
SOURCE OF WORKING CAPITAL
The following are the different sources of funds
 Share capital
 Deposits and borrowings
 Reserves and other funds
 Grand
 Undistributed profit
OBJECTIVE OF BANK
 Accepting funds and deposits from the member and non members and
Convert
 To procure and provide agricultural requirements like seed, manure and
other house hold equipment‟s
 Provide agricultural equipment‟s like tractors, power tillers, sprayers etc.
to its members.

 To arrange for the scale of agricultural products through marketing

societies or otherwise for the benefits of members produced.
 To acquire or hire go down for the purpose of procurement and shortage
of member produced.
 To promote and encourage thrift, self-help and mutual help among the
members
 To prepare and implement agriculture production plants for its members.
 To provide necessary assistance and facilities to the members for the
production of new kind of seeds.
 To arrange for the sale of seeds and fertilizers and agricultural implements
as agent and to relives the value of their off
 To purchase movable and immovable properties for working of the bank.

FUNCTION OF THE BANK
The main function performed by the bank is to attract deposits and

provide medium term and short term loans to the villages on easier terms
they receive deposits from members and non members. The bank provides
different types of loans to the members on the security of deposits they had
with the bank. They provide gold loans on the security on gold for maximum
of six months.
The other functions are provided by the bank:-
 Collecting cheque or bills of exchange of its members.

 Dealership between FACT-IFFCO and IPL.
 Provided Mirror account to its agricultural members in PDC bank

ORGANISATIONAL STRUCTURE
SECRETARY
BRANCH MANAGER
CLERK
ATTENDER
PEON
WATCHMAN

CHAPTER 3
THEORETICAL FRAMEWORK

LOANS AND ADVANCES
The primary function of a bank institution is to receive deposits and

making loans and advances to the public. The loans means lending money
after keeping certain percentage of deposits as cash reserve the balance is
given loans and advances to the nearly person against personal security of
borrowers or the security movable and immovable properties. It is a written
or oral agreement for temporary transfer of a property usually cash form its
owner to a borrower who promises to return it according to the terms of the
agreement usually with interest for its use. It the loan is repayable on the
demand of the leader. Demand loan a written promise to repay the loans is
called promissory note.
Loans and advances can be arranged from banks in keeping with the
flexibility in business operations. Traders may borrow money for day to day
financial needs availing of the facility of cash credit, bank overdraft and
discounting of bills. The amount raised as loan may be repaid within a short
period to suit the convenience of the borrower.
BASIC PRINCIPLES OF CO-OPERATIVE BANK
The co-operative movement recess its roots to a store started by weavers in

the town rock dale England in 1844 mainly co-operative banks are run on
seven basic principle.
I. VOLUNTARY AND OPEN MEMBERSHIP

Co-operative are voluntary organization open to all persons able to use their
service and willing to accept the responsibilities of membership without
gender social political or religious discrimination

II. DEMOCRATIC MEMBERSHIP CONTROL

Co-operatives are democratic organization controlled their members who
actively participate in setting policies and right decisions. The detected
representative is accountable to the membership. In primary co-operatives
members have equal voting right and co-operative at other levels are
organized on a democratic manner.
MEMBERS ECONOMIC PARTICIPATION
Members contribute equally and democratically control the capital of their

co-operative. At last part of the capital is usually the common property of the
co-operative members usually receive limited compensation it any on capital
subscribed condition of membership. Member allocate surplus from any or
all of the following purpose developing the co-operative possible by setting
up reserves part of which at last would be in divisible benefiting members in
proportion to their transactions with the co-operative and support in other
activities approved by the membership.
1. AUTONOMY AND INDEPENDENCE
Co-operatives are autonomous self help organizations controlled by their
members. If they are enter in to agreement with other organizations including
governments or raise capital from external sources. They do so on terms that
ensure democratic control their members and maintain their co-operative
autonomy.
2. EDUCATION, TRAINING AND INFORMATION
Co-operative provides education and training for their members elected
representatives managers and employees. So they can contribute effectively
to the development of their co-operatives. They uniform the general public
particularly young people and opinion about the nature and benefits of co-
operation.

3. CO-OPERATION AMONG CO-OPERATIVES

Co-operative serve their members most effectively and strengthen the co-
operative movement by working together through local national regional and
international
4. CONCERN FOR COMMUNITY
While focusing on members needs co-operative work for the sustainable
development of their communities through polices accepted by their
members.
CO-OPERATIVE MOVEMENT IN FOREIGN COUNTRIES
CO-OPERATIVE MOVEMENT IN ENGLAND
England is considered to be the birth place of the co-operative movement in

the world.
Robert Owen is considered as the father of the co-operative movement. A
Welshman who made his fortune in the cotton trade, Owen believed in
putting his workers in a good environment with access to education for
themselves and their children.
Dr. William king give great importance to co-operative education according
to him the acquisition of knowledge was a pre-requisite for the success of co-
operation. He believed that only man of knowledge could spread the message
of co-operation.
The first successful co-operative society in the world is said to be the
Rochadle equitable society started on 1844. Rochadle is situated near
Manchester in the north western part of England.

CO-OPERATIVE MOVEMENT IN GERMANY
England is considered to be birth place of consumer co- operative. Germany

can claim to be grade of credit co-operatives to the world. Therefore both
England and Germany are pilgrim centers for the co- operators all over the
world. Schulz‟s Delitzsch in the year 1808. He got the best education and
after graduation he joined the judicial service and thus he became a judge in
his native city Delitzsch. He came to contract with the life of poor people in
1852. He started a fully fledged co-operative credit society in his native
town. It was grand success thus he laid the federation store in Germany.
CO-OPERATIVE MOVEMENT IN USA
The co-operative movement in USA can be said to be very old. The

movement flourished in the field of agricultural at the beginning. Even today
agricultural plays a very important role in the development of co- operatives
in USA. The first co-operative organization in USA were known as “BEES”.
CO-OPERATIVE MOVEMENT IN ITALY
Co-operative movement in Italy was started as a socio economic movement

in the last years of the 19th century. The credit of starting co-operative
movement on Italy goes to Lusatia who was a professor of economics in an
educational institution in Milan.
CO-OPERATIVE MOVEMENT IN INDIA
The co-operative movement in India started with the praising of the co-
operative credit societies act. The origin of the co-operative movement in
India was entirely different from that of western countries including England.
Where the first successful co-operative society was organized as a
spontaneous democratic movement. The land improvement Act of 1884 was

also known as Taccavi act. This means act for providing agricultural loans to
farmers by the government. The government accepted the recommendation.
The cooperative societies act 1912 was an important landmark in the history
of cooperative Movement in India by which the movement entered the
second stage of progress. The defects which had been experienced on the
working of the Cooperative institution under the act were rectified with the
raising of the new act. The present Multi State Cooperative Society Act 1984
formed as per Recommendation of the expert committee on Multi State Co-
operative Society legislation and in consultation with the state government.
CO-OPERATIVE MOVEMENT IN KERALA
Before the formation of state of Kerala, co-operatives under the area was
administered by the Travancore co-operative societies act, cochin co-
operative societies act and Madras co-operative societies act.
After the integration of Travancore and Cochin, Travancore-Cochin co-
operative societies Act 1951 came into force with effect from 1/9/1952. After
the formation of Kerala state, the Kerala co-operative societies act of 1969
came into force with effect from 15/05/1969 in order to enact a uniform law
on co-operation applicable throughout.
CO-OPERATIVE MOVEMENT IN TRAVANCORE
In Travancore the first co-operative society registered under the Travancore

co-operative societies act 1914 was Trivandrum Central Co- operative Bank.
It was formed as the present Kerala State Co-operative Bank the societies
were registered with unlimited liability. But recovery of loans become a
problem and number of societies was changed into Limited from 1918 on
wards. Land mortgage Bank was formed on 1932 to provide long term loans

for a period of 10 to 20 years on the security of land. In 1963 it was renamed

as Land Development Bank.
CO-OPERATIVE MOVEMENT IN COCHIN
The Cochin co-operative societies Act was enacted in 1913. The first co-
operative society registered under this act was Advanced co-operative
society. It was a Credit society with unlimited liability. The cochin Central
Co-operative Bank was formed in 1918. It was based on British Co-operative
movement. Long term loans were provided by cochin Central Co-operative
and Mortgage Bank. The area of operation was limited to Cochin.
TRAVANCORE-COCHIN CO-OPERATIVE SOCIETIES

ACT OF 1951
Travancore Cochin state came into existence in 1949. It was necessary to

have a uniform Co-operative law applicable in the entire Travancore Cochin
area. Travancore Co-operative Society Act was passed in 15th may 1969 This
act was in force fill Kerala co-operative societies act came into force in July
1969.
KERALA CO-OPERATIVE SOCIETIES ACT 1969
All states in India have its own act of co-operation. All laws are United on
the basis of Indian co-operative societies act of 1904 and 1912. When
Travancore, Cochin and Malabar where integrated to form the Kerala state, a
common Cooperative law become inevitable. Accordingly the Kerala state
cooperative societies act came into existence on 13th May 1969.

PRIMARY CREDIT SOCIETIES
The organization of primary agricultural credit societies dates back to 19

Note 4 were the Indian co-operative societies was formed to provide cheap
credit to the agriculturists with a view to make them free from the clutches of
money lenders. The primary agricultural credit society is the foundation stone
on which the whole Co-operative sector is built. These societies were
intended to promote the economic interest of its members especially, the poor
in accordance with Co-operative principles. It want to achieve its aim by
promoting savings among members, providing loans, supplying agricultural
implements and certain essential domestic requirements and arranging for the
marketing of their Agricultural Products, these societies are also called rural
banks. As on March 2006 the word 1587 primary agricultural credit societies
in Kerala out of which 1565 are functional, 22 dormant and 26 are under
liquidation out of 1565 functional PACS 828 societies were on loss and 721
were on Profit.
DISTRICT CO-OPERATIVE BANK
The district co-operative bank is a federal society of the primary Credit

societies in a revenue district. Usually, societies and not individuals are the
members of the district co-operative banks is to give loans and other financial
help to the affiliated member societies. It also functions a balancing centre of
resources. If a society has excess funds, it can be diverted to another society
which is in deficit through the district Co-operative Bank. The district Co-
operative Bank also gives proper directions and guidance for all the affiliated
societies in the district.

STATE CO-OPERATIVE BANK
The State Co-operative Bank stands at the top of the Co-operative credits
structure in the state. It is an Apex co-operative society according to the
Kerala co-operative societies act, “an Apex society is a society having the
whole of the state as its area of operation and having as its members only
other societies with similar objects and declared as such by the registrar”.
The State Co-operative Bank is a connecting link between NABARD and the
Co-operative credit institution in the state. It is also a connecting link
between the state government and the Co-operative credit movement.
The establishment of one Apex Bank In each state is the policy of the
government. There are at present 28 state co-operative banks in India,
including the banks in the union territories. The Kerala State Co-operative
Bank, the Apex cooperative bank „ in the state. It is the only scheduled bank
in the whole Co-operative sector of this state.
CO-OPERATIVE BANKING SYSTEM IN INDIA
Commercial banks and co-operative bank are two important sectors of Indian
banking. The co-operative bank is mostly established for providing credit and
other facilities to the rural agricultural members. In a country like India her
agricultural is the most important occupation of the people. The co-operative
system assumes greater importance.
Co-operative movement started in our country with the enactment of
cooperative credit societies Act 1907 which provide for the formation of the
co-operative credit societies under the Act 1904 a number of co-operative
credit societies was started a new Act passed in 1912 provided for the
establishment of co-operative central bank by union primary credit societies.

There are 14 Central banks at the present. One central co-operative bank for
every revenue district. It is called District co- operative bank.
HISTORY OF CO-OPERATIVE BANK IN INDIA
The co-operative bank in India, co-operatives are organized group of people

and jointly manage and democratically controlled enterprises. They exist to
serve their members and depositors and produce better benefits and services
for them. Professionalism in co-operative banks reflects the co-existence of
high level of skills and standards in performing. Duties entrusted to an
individual co-operative bank needs current and future development in
information technology. It indeed necessary for co- operative banks to devote
adequate attention for maximizing their returns on every unit of resources
through effective services
Co-operative Bank have completed hundred years of existence in India. They
play a very important role in the financial system. The co- operative banks in
India form an integral part of our money market today. Therefore, a brief
resume of their development should be taken into account. The history of co-
operative banks goes back to the year 1904. I 1904, the co-operative credit
society act was enacted to encourage co-operative moment in India. But the
development of co-operative banks from 1904 to 1951 was the most
disappointing one.
The first phase of co-operative bank development was the formation and
development was the formation and regulation of co- operative society. The
constitutional reforms which lead to the passing of the Government of India
Act in 1919 transferred the subject of “co- operation” form Government of
India to the provincial Governments. The government of Bombay passed the
first state co-operative society Action 1925 “Which not only gave the

moment, it‟s size and shape but was a pace sector of co-operative activities
and stressed the basis concept of thrift, self help and mutual aid “ This
marked the beginning of the second phase in the history of co-operate credit
Institutions. There was the general realization that urban banks have an
important role to play in Economic constructions. This was asserted by post
of committees. The Indian central 39 Banking Enquiry committee (1931) felt
that Urban banks have a duty to help the small business and middle class
people the Mehta-Bhansali committee (1939) recommended the those
societies which had full filled the criteria of banking should be allowed to
work as banks and recommended an association for these banks. The co-
operative planning committees (1946) wend on record to say that urban
banks have been best agencies for small peoples in whom joint stock banks
are not generally interested.
The real development of co-operative banks took place only after the
recommendation of All India Rural Credit Survey Committee (AIRCSC),
which were made with the view to fasten the growth of co- operative banks.
The co-operative bank are expected to perform some duties, namely, extent
all type of credit facilities to customers in cash and kind, advance
consumption loans, extent banking facilities in rural areas, mobilize deposits,
supervise the use of loan etc. The needs of co-operative banks are different.
They have faced a lot of problems, which has affected the development of co-
operative banks.
LOANS
A loan is an arrangement which a lender gives money or property to a

borrower and the borrower agrees to return the property or repay the money
usually. Along with interest there is a predetermined time for repaying a loan
and generally the lender has to bear the borrower may not repay a loan.

The loan applicable is differing form every lending organization. The

lending organization usually wants the background of the owner and the
financial position.
The co-operative banks provide different term loans and scheme loans
provides different term loans and scheme loans provided by the Act of central
government and state government the co-operative bank focused on the
welfare of its members.
STRUCTURE OF CO-OPERATIVE BANK
State co-operative bank in the premier co-operative institution in the state it is

the apex bank which occupies the most position in the co- operative bank in
structure. A state co-operative bank may be pure or mixed. The state co-
operative bank is said to be pure if it is a federation of central co-operative
bank if it is called a mixed bank. If the membership consist to both central
co-operative bank and individual shareholder. The state co-operative bank
receives current and fixed deposit from its consist bank it also receives saving
and fixed deposits from the general public and From local contributes a
certain general public and from local contributes a certain portion of the
working capital of the state co-operative bank.
PROCEDURE FOR SANCTIONING LOAN
To avail a loan from the society the member should submit an application
within the prescribed form of the society. The application form should
mention the name address of the applicant, member, purpose of loan, the
securities offered along with declaration is property signed. The managing
committee shall scrutinize the application and satisfy the following.

 The application
 Purpose of loan
 Period of loan
 Utilisation of loan
 The member had eligibility to repay the loan
 The following are the loans and issued by the Elavanchery service
bank
 Agricultural loan
 Medium – term agricultural loan
 Ordinary loan
 Gold loan
Deposits issued by the bank
 Savings deposits
 Fixed deposit
AGRICULTURAL LOANS
Agricultural loans are classified into
(i)Short term agricultural loans
(ii)Medium term agricultural loans
SHORT TERM AGRICULTURAL LOANS
These loans are provided only to the member of the bank and the period of
loans are one year to short term agricultural activities.
MEDIUM TERM AGRICULTURAL LOANS
The standard prescribed for medium term loans are on acre basis they are
issued on the basis on mortgage of landing property.

ORDINARY LOAN
Ordinary loan are secured firstly by share equity and then by an additional
security from our list of approved security from our list of approved
securities. These loans are taken for the ordinary purpose.
GOLD LOAN
Gold loan or the against gold is the exist and quickest way for servicing your
financial needs. To avail a gold loan, all you need to do is pledge your gold
ornaments with us and we would provide you with a loan amount as per the
market value of your gold.
DEPOSITS
Bank deposits consists of money placed into banking institutions for

safekeeping. These deposits are made to deposits accounts such as saving
account, fixed account the account holder has right to withdraw deposits find,
as set forth in terms and condition governing the account agreement
Deposits schemes offered by the bank:
Saving deposit account : Savings Bank Account can be opened in the name
of an individual or in joint names of the depositors. Savings Bank Accounts
can also be opened and operated by the minors provided they have completed
ten years of age.
Fixed deposit account :A fixed deposit means one-time money invest in a

long time. A high interest rate is paid on Fixed deposit. The rate of interest
may very as per amount. Period and as per bank rule. Withdrawal are not
allowed but in case, of emergency bank, allowed to close the fixed amount
before to the maturity date.

CHAPTER – 4
DATA ANALYSIS AND

INTERPRETATION

TREND ANALYSIS
Types of
2018 2019 2020 2021 2022
loans
Short Term
Agricultural 100% 11.34% 120.32% 124.29% 114.65%
Loan
Medium
Term
100% 369.82% 369.35% 278.45% 1402.33%
Agricultural
Loan
Ordinary
100% 93.32% 76.73% 73.18% 61.07%
Loan
Gold Loan 100% 104.31% 115.04% 128.42% 110.82%

100%
Total Loan 109% 11.77% 126.64% 115.89%

SHORT TERM AGRICULTURAL LOAN
TABLE NO:1
Year 2018 2019 2020 2021 2022
Amount(%) 100% 11.34% 120.32% 124.29% 114.65%
CHART NO:1
Short Term agricultural loan

1.4
1.2
0.8
0.6
0.4
0.2
0
2018 2019 2020 2021 2022
INTERPRETATION
In the above diagram, the year 2019,the STAL have decreased at a

higher rate.

MEDIUM TERM AGRICULTURAL LOANS
TABLE NO:2
Year 2018 2019 2020 2021
Amount
100% 369.82% 369.35% 278.45%
(%)
CHART NO:2
16
14
12
10
0
2018 2019 2020 2021 2022
INTERPRETATION
In the above diagram, for the last 5 years the MEDIUM TERM
AGRICULTURAL LOAN is fluctuating.

ORDINARY LOAN
TABLE NO:3
Year 2018 2019 2020 2021 2022
Amount
100% 93.32% 76.73% 73.18% 61.07%
(%)
CHART NO:3
1.2
0.8
0.6
0.4
0.2
0
2018 2019 2020 2021 2022
INTERPRETATION
In the above diagram, for the last five years the ORDINARY LOAN
shows negative impacts.

GOLD LOAN
TABLE NO:4
Year 2018 2019 2020 2021 2022
Amount
100% 104.31% 115.04% 128.42% 110.82%
(%)
CHART NO:4
1.4
1.2
0.8
0.6
0.4
0.2
0
2018 2019 2020 2021 2022
INTERPRETATION
In the above diagram, GOLD LOAN starts to increase from the year
2019 &starts to decreases from 2021.

TOTAL LOAN 2018-2022
TABLE NO:5
Years 2018 2019 2020 2021 2022
Amount(%) 100% 109% 11.77% 126.64% 115.89%
CHART NO:5
16
14
12
10
0
2018 2019 2020 2021 2022
INTERPRETATION
In the above diagram, the year 2019-2020, TOTAL LOANS are

decreasing at higher rate and from the next year, TOTAL LOANS are
increasing at higher rate.

PERCENTAGE ANALYSIS
Types of loans 2018 2019 2020 2021 2022
Short Term
Agricultural 43.7% 45.8% 45.1% 43.3% 43.6%
Loan
Medium Term
Agricultural 0.32% 1.11% 1.10% 0.72% 3.9%
Loan
Ordinary Loan 0.81% 0.69% 1.53% 0.47% 0.43%
Gold Loan 54.7% 52.3% 53.4% 52.3% 55%

LOANS 2017-2018
TABLE NO:6
Medium
Short Term
Term Ordinary
Loans Agricultural Gold Loan
Agricultural loan
Loan
Loan
Amount(%) 43.7% 0.32% 0.81% 54.7%
CHART NO:6
Amount(%)
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
Short term Medium term Ordinary loan Gold loan
agricultutal loan agricultural loan
INTERPRETATION
In the above diagram, from the all loans, short term agricultural loans
and gold loan are highly preferred by the customers.

LOANS 2018-2019
TABLE NO:7
Medium
Short Term
Term Ordinary Gold
Loans Agricultural
Agricultural loan Loan
Loan
Loan
Amount(%) 45. 8% 1.11% 0. 69% 52.3%
CHART NO: 7
Amount(%)
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
INTERPRETATION
In the above diagram, MTAL and ORDINARY LOANS are less

preferred by the customers just as the previous year.

LOANS 2019-2020
TABLE NO:8
Medium
Short Term
Term Ordinary Gold
Loans Agricultural
Loan
Loan
Amount(%) 45. 1% 1.10% 0.53% 52.3%
CHART NO: 8
Amount(%)
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
INTERPRETATION
In the above diagram, GOLD LOAN shows higher preference than

the other loans for the year.

LOANS 2020-2021
TABLE NO:9
Medium
Short Term
Term Ordinary Gold
Loans Agricultural
Loan
Loan
Amount(%) 43.3% 0.72% 0.47% 52. 3%
CHART NO: 9
Amount(%)
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
INTERPRETATION
In the above diagram, GOLD LOAN didn‟t change from the last
year, other loans are slightly changed.

LOANS 2021-2022
TABLE NO:10
Medium
Short Term
Term Ordinary
Loans Agricultural Gold Loan
Agricultural loan
Loan
Loan
Amount (%) 43.6% 3.9% 0.43% 55%
CHART NO:10
Amount(%)
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
INTERPRETATION
In the above diagram, MEDIUM TERM AGRICULTURAL LOAN

shows a growth from the past years.

DEPOSITS DURING THE YEAR 2018-2022
TABLE NO:11
RS IN LAKHS
Types of deposits 2018 2019 2020 2021 2022
Savings deposit 532.15 589.73 512.01 642.55 700.27
Fixed deposits 1467.85 1966.83 2471.32 2759.32 2883.37
SAVINGS DEPOSITS DURING THE YEAR 2018-2022
CHART NO:11
savings deposits
800
700
600
500
400
300
200
100
0
2018 2019 2020 2021 2022
INTERPRETATION
In the above diagram, Deposits shows a fluctuating trend during the

last year

FIXED DEPOSIT DURING THE YEAR 2018-2022
TABLE :12
RS IN LAKHS
Types of
2018 2019 2020 2021 2022
deposits
Fixed
1467.85 1966.83 2471.32 2759.32 2883.37
deposits
CHART NO:12
3500
3000
2500
2000
1500
1000
500
0
2018 2019 2020 2021 2022
INTERPRETATION
In the above diagram, fixed deposits shows an increasing trend

during 2018-2022. It shows the growth of the bank.

DEPOSITS DURING THE YEAR 2018
TABLE NO :13
RS IN LAKHS
Types of deposits 2018
Savings deposits 532.15
Fixed deposit 1467.85
CHART NO :13
2018
1600
1400
1200
1000
800
600
400
200
0
savings deposits fixed deposits
INTERPRETATION
In the above diagram, the year 2018 fixed deposit are highly
preferred, than Savings deposits.

TABLE NO:14
RS IN LAKHS
Savings deposit 589.73
CHART NO :14
2019
2500
2000
1500
1000
500
0
savings fixed deposits
deposits
INTERPRETATION
In the above diagram, the year 2019, both the deposits are increased.
Fixed deposits increased at a higher rate and Savings deposit increased at a
lower rate.

TABLE NO :15
RS IN LAKHS
CHART NO:15
2020
3000
2500
2000
1500
1000
500
0
savings fixed deposits
deposits
INTERPRETATION
In the above diagram, amount of savings deposit decreased from the

last year and fixed deposits increased from the last year.

TABLE NO :16
RS IN LAKHS
CHART NO :16
2021
3000
2500
2000
1500
1000
500
0
INTERPRETATION
In the above diagram, the year 2021, both the deposits are increased
from the last year.

TABLE NO :17
RS IN LAKHS
Types of deposit 2022
CHART NO:17
2022
3500
3000
2500
2000
1500
1000
500
0
INTERPRETATION
In the above diagram, fixed deposits are preferred by the customers

over Savings deposits in the year 2022.

CHAPTER 5
FINDINGS, SUGGESTIONS AND

CONCLUSION

FINDINGS
 Gold loans provided by the bank increases year by year. This is because
middle income group family prefers these types of launch mostly
 Ordinary loans are decreased for the 5 years
 Among all loans, medium term agricultural loan and ordinary loans are
less preferred by customers
 All the loans provided by bank shows fluctuating trend for the last 5
years
 All deposits r increasing year by year
 From the deposits, fixed deposits are mostly preferred by the customers
 Short term agricultural loans are increasing trend for the five years

SUGGESTIONS
 The bank shall increase electronic fund transfer system and instruments of
innovation
 The band Shaw support online banking system
 The bank could reduce the time for sanctioning of loans
 The bank must reduce political influence
 The bank could expand its area of operation
 The bank can introduce other kind of loans and deposits

CONCLUSION
A bank is a financial institution which deals with loans and deposits

and other related services. It receives money from those who want to save in
the form of deposits and it lends money those who need it.
The present study leads the conclusion that, through fund

mobilization of loans and deposits provided by the bank increasing over the
year. The cooperative bank provides many services the corporative is a type
of bank there after keeping certain percentage of deposits reserve the balance
is given as loans and advances.
ELAVANCHERY SERVICE CO-OPERATIVE BANK provides

different types of loans such as Gold loan, short term agricultural loan,
medium term agricultural loan, Ordinary loan and deposits provides such as
fixed deposit and Savings deposits. These types of loans and deposits are
fluctuating year by year. No customers is dissatisfied with the service
rendered by the bank.

BIBILOGRAPHY

BIBILOGRAPHY
BOOKS
 Balance sheet of Elavanchery Service co-operative bank

 Annual Audit report of Elavanchery Service co-operative bank
 Co-operative theory of co-operatives
 International Co-operative movement
WEBSITES
 www.co-operativebank.com
 www.shodhaganga.com
 www.quora.com

APPENDIX

LOANS AND DEPOSITS OF ELAVANCHERY SERVICE
Types of
2018 2019 2020 2021 2022
loan
Short term
agricultural 99483866.93 112783859. 40 1196719844 1236119504 114027822
loan
Medium
term
738520 2731267 2927135 2056456 10356507
agricultural
loans
Ordinary
1838549 1715889 1410806 1345610 1122951
loan
Gold loan 123260401 128584256 141801194 188298933 136897601
CO-OPERATIVE BANK 2018-2022
Types of
2018 2019 2020 2021 2022
deposits
Savings
532.15 589.73 512.01 642.55 700.27
deposit
Fixed
1467.85 1966.83 2471.32 2759.32 2883.37
deposits

BALANCE SHEET

BALANCE SHEET





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PROJECT REPORT 2022-2023

A bank is a financial institution and a financial intermediary that

According to Banking Regulation Act 1949 “A bank is one which

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 1

TITLE OF THE STUDY

OBJECTIVE OF THE STUDY

SCOPE OF THE STUDY

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 2

TOOLS USED FOR ANALYSIS

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 3

PERIOD OF THE STUDY

The period of the study is 21 days

 The time span of the study is limited.

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 4

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 5

A co-operative bank is financial entities which belong to its

Co-operative differs from stockholder banks by their organization,

The Kerala co-operative society Act is an enactment to consolidate, amend

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 6

 Co-operative consumer stores

ELAVANCHERY SERVICE CO-OPERATIVE

The elavanchery service co-operative bank is situated at elavanchery

As per by laws the area of operation of the bank is elavanchery Village

A person should subscribe at least one share to become a member of the

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 7

SOURCE OF WORKING CAPITAL

The following are the different sources of funds

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 8

 To arrange for the scale of agricultural products through marketing

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 9

FUNCTION OF THE BANK

The main function performed by the bank is to attract deposits and

The other functions are provided by the bank:-

 Collecting cheque or bills of exchange of its members.

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 10

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 11

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 12

LOANS AND ADVANCES

The primary function of a bank institution is to receive deposits and

BASIC PRINCIPLES OF CO-OPERATIVE BANK

The co-operative movement recess its roots to a store started by weavers in

I. VOLUNTARY AND OPEN MEMBERSHIP

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 13

II. DEMOCRATIC MEMBERSHIP CONTROL

MEMBERS ECONOMIC PARTICIPATION

Members contribute equally and democratically control the capital of their

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 14

3. CO-OPERATION AMONG CO-OPERATIVES

CO-OPERATIVE MOVEMENT IN FOREIGN COUNTRIES

CO-OPERATIVE MOVEMENT IN ENGLAND

England is considered to be the birth place of the co-operative movement in

THUNCHATHEZHUTHACHAN COLLEGE ,ELAVANCHERY 15

CO-OPERATIVE MOVEMENT IN GERMANY

England is considered to be birth place of consumer co- operative. Germany

CO-OPERATIVE MOVEMENT IN USA

The co-operative movement in USA can be said to be very old. The

CO-OPERATIVE MOVEMENT IN ITALY

Co-operative movement in Italy was started as a socio economic movement