Industrial Training Report Conducted at

KANGRA CENTRAL CO-OPERATIVE BANK

LTD.
A report submitted
in partial fulfillment of the requirements
for the Degree of

Master Of Business Administration

By

SHOBHIT THAKUR
(Registration Number: 22015126065)

Under the guidance of

DR. MANISH KHANNA

to the
School of Commerce & Management
HIMACHAL PRADESH TECHNICAL UNIVERSITY
Daruhi, Distt. Hamirpur-177001(H.P.)
JULY-AUGUST, 2023
INDUSTRIAL TRAINING CERTIFICATE

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 CANDIDATES’DECLARATION

I hereby certify that the work which is being presented in the Industrial Training Report conducted
at “ The Kangra Central Co-Operative Bank Ltd” in partial fulfilment of the requirements for
the award of the Degree of Master of Business Administration in the department of school of
commerce and management studies, Himachal Pradesh Techinical University, is an authentic
record of my own work and learnings carried out during a period from 27 July 2023 to 25 august
2023 under the supervision of Dr.Manish Khanna, Department Co-Ordinator, School Of
Commerce And Management , Himachal Pradesh Technical University Hamirpur
.
The matter presented in this Industrial Training Report has not been submitted by me for the award
of any other degree of this or any other Institute/University.

Name of student - Shobhit Thakur

This is to certify that the above statement made by the candidate is correct to the best of my
knowledge.

Date: (Dr. Manish Khanna)

Department Co-Ordinator
The Industrial Training Viva-Voce examination of Name of Student has been held
on……………….

Expert outside of Department Expert from the Department Supervisor

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 ACKNOWLEDGMENT

With the sense of gratitude and respect I would like to extend our heartiest thanks to all of those
who provide help and guidance to make this project a great success.

No project is even the outcome of single individual’s talents or efforts.

It has been highly enriching experience to do my training at The Kangra Central Co-operative
Bank Ltd. Pucca Bharo during 3rd semester for 4-week . It has been possible to achieve the project
blend of valuable experience gained from work place and indispensable knowledge gathered from
theoretical studies.

I would like to thank my mentor and project- coordinator Dr. Manish Khanna for guiding and
helping me to solve all kinds of queries regarding the project work with his able guidance.

I must acknowledge special thanks to the management and all employees of KCC Bank who are
directly or indirectly helped me with valuable review, suggestion, moral support for the completion
of my project.

Shobhit Thakur

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 LIST OF TABLES
Table no. Title Page no.
1 Board of directors of kccb ltd. 14

2 Keys Learnings out of this Training (weekly basis) 19

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 TABLE OF CONTENTS
Sr. No. Content Page Number
1 Industrial Training Certificate I.
2 Candidate’s Declaration II.
3 Acknowledgement III.
4 List of Tables IV.
5 Chapter 1: Introduction 1-6
1.1: Need of Industrial Training
1.2: Objectives of Industrial Training
1.3: Scope of Industrial Training
1.4: Time period of Industrial Training
6 Chapter 2: Company 7-16
2.1: Company Details
2.1.1: Name and Website
2.1.2: Vision, Mission, Objectives,
2.1.3: Business and Products Mix
2.1.4: Administration and Organization Structure
2.1.5: Headquarter
2.2: Environmental Analysis
2.2.1: Internal Environmental Analysis
2.2.2: External Environmental Analysis
7 Chapter 3: Activities of Various Departments 17-18
3.1: Banking operation
3.2: Credit and loan administration
3.3: Customer services
3.4: Marketing and business development
3.5: Human resources
3.7: Information technology
8 Chapter 4:Keys Learnings out of this Training (weekly basis) 19
9 Chapter 5: Conclusion 20
10 Suggestion 21
11 References 22

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 CHAPTER 1 INTRODUCTION

1.1: Need of Industrial Training

Industrial Training must be lived by all finance students aiming to thrive in the
industrial sector should focus on specific areas to bolster their expertise. Essential
training includes honing financial analysis skills, comprehending industry-specific
dynamics, and delving into cost accounting. Additionally, mastering risk
management tailored to industrial settings, understanding capital budgeting for long-
term investments, and adeptness in financial modeling are crucial. Proficiency in
regulatory compliance, data analysis tools, and effective communication skills are
equally vital. Practical experiences, internships, or exposure to industrial finance
scenarios are invaluable for applying theoretical knowledge and building industry
connections. Embracing continuous learning to stay abreast of industry trends and
technological advancements remains pivotal for sustained success in this dynamic
field.In addition, this exercise also introduce the students themselves in terms of
ability. willingness and attitude to the employer. This exercise can highlight the
ability of students to work hard and to work with dedication and show a positive
attitude to the employer.

This exercise is also important as it can get rid of inferiority complex while a student
at the Polytechnic, but when students are in training it is likely he will meet with.
officials of high rank or attend meetings and provide jobs to foreign workers.
Through this exercise, students are able to handle a problem with wise through
experience that has been through this before. The value of respect for those around
him will arise within the student if the student's Industrial Training heartfelt and
sincere. It is hoped that these properties will be sustained in the future.

The conclusion that can be defined on the importance of industrial training are:

• Financial Analysis Skills: Master analyzing statements and ratios.

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 • Industry-Specific Insight: Gain knowledge about industrial sectors.

• Cost Accounting Expertise: Understand cost structures and budgeting.

• Risk Management Acumen: Learn to handle financial risks unique to industries.

• Capital Budgeting Know-How: Evaluate long-term investment opportunities.

• Financial Modeling Proficiency: Create tailored industrial financial models.

• Regulatory Compliance Mastery: Understand industry-specific regulations.

• Data Analysis and Tech Savvy: Familiarize with relevant tools and tech.

• Strong Communication Skills: Effectively articulate complex financial concepts.

• Internships and Practical Experience: Apply knowledge in real-world scenarios.

• Continuous Learning: Stay updated with industry trends and advancements.

1.2: Objective of Industrial Training

The purpose of Industrial Training is to expose students to real work of environment

experience and at the same time, to gain the knowledge through hands on observation and
job execution. From the industrial training, the students will also develop skills in work
ethics.communication, management and others. Moreover, this practical training program
allows students to relate theoretical knowledge with its application in the manufacturing
industry.

The objectives of industrial training are:

• Skill Enhancement: Develop and refine specific technical skills relevant to the
industry or field of work.

• Real-World Application: Apply theoretical knowledge in practical, industrial

settings to bridge the gap between academia and industry.

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 • Professional Exposure: Gain firsthand experience in the industry's working
environment, culture, and practices.

• Industry Understanding: Acquire a comprehensive understanding of industrial

processes, workflows, and operations.

• Problem-Solving Abilities: Enhance problem-solving skills by facing real-time

challenges and finding practical solutions.

• Teamwork and Collaboration: Learn to work effectively in teams and understand

the dynamics of collaborative work within an industrial setting.

• Professional Networking: Build connections and relationships within the industry

for future career prospects.

• Work Ethics and Discipline: Develop a sense of professionalism, time

management, and work discipline in a real work environment.

• Adaptability and Flexibility: Adapt to dynamic and unpredictable situations

commonly encountered in industrial settings.

• Career Insight: Gain insights into potential career paths, roles, and responsibilities
within the industrial domain, aiding in career decision-making.

1.3: Scope of Industrial Training

• Financial Analysis in Industrial Context: Learning to analyze financial

statements and metrics specific to industrial sectors, understanding how financial
decisions impact operational efficiency and profitability.

• Industrial Cost Accounting: Gaining insights into cost structures, budgeting, and
cost control techniques unique to manufacturing or industrial operations.

• Risk Management in Industrial Finance: Understanding and managing financial

risks inherent in industrial sectors, such as supply chain disruptions, commodity
price fluctuations, or regulatory changes.

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 • Capital Budgeting and Investment Analysis: Evaluating and making decisions
about long-term investment opportunities in industrial projects, such as expansion
plans or machinery purchases.

• Financial Modeling for Industrial Scenarios: Developing financial models

tailored to industrial settings, projecting cash flows, analyzing scenarios, and
assessing investment viability.

• Compliance and Regulatory Finance: Understanding industry-specific financial

regulations, compliance standards, and financial reporting requirements relevant to
industrial sectors.

• FinTech Integration: Embracing financial technologies and data analytics tools

specific to industrial finance for efficient decision-making and risk assessment.

• Mergers, Acquisitions, and Corporate Finance: Exploring financial strategies

related to mergers, acquisitions, and corporate finance within industrial contexts.

• Project Finance and Funding Mechanisms: Understanding project financing

methods, funding mechanisms, and capital structures prevalent in industrial
projects.

• Strategic Financial Management: Applying financial strategies to optimize

industrial operations, enhance competitiveness, and drive sustainable growth within
the sector.

Here are some key aspects of the scope of industrial training:

• Financial Analysis Techniques: Training in analyzing financial statements, cash

flow, and balance sheets specific to industrial sectors to evaluate the financial health
of companies within these industries.

• Cost Management and Budgeting: Understanding cost structures, budget

allocation, and variance analysis tailored to industrial operations to optimize
expenditure and improve efficiency.

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• Risk Assessment and Management: Specialized training in identifying, assessing,
and mitigating financial risks inherent in industrial settings, such as market
volatility or operational risks.

• Capital Investment and Project Finance: Learning the intricacies of capital

budgeting, assessing investment opportunities, and understanding project financing
methods relevant to industrial projects.

• Compliance and Regulatory Finance: Training to navigate industry-specific

financial regulations, compliance standards, and reporting requirements to ensure
legal and financial adherence.

• Financial Modeling for Industrial Scenarios: Developing models and conducting

scenario analyses specific to industrial sectors to facilitate strategic decision-
making and forecasting.

• Understanding Industrial Valuation: Learning valuation techniques applicable

to industrial assets, companies, or projects, considering factors unique to industrial
sectors.

• Mergers, Acquisitions, and Corporate Finance: Exploring financial strategies,

deal structuring, and financial implications in mergers, acquisitions, and corporate
restructuring within industrial contexts.

• Sustainability and Financial Performance: Integrating financial strategies to

align with sustainable practices and understanding how these impact financial
performance in industrial settings.

• Technology Integration in Financial Operations: Familiarization with financial

technologies, software, and data analytics tools used in industrial finance to
enhance efficiency and decision-making processes.

The finance-focused scope of industrial training equips individuals with specialized

financial knowledge tailored to the complexities and nuances of industrial sectors,
aiming to prepare them for key roles within these industries.

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1.4: Time Period of Industrial Training

The duration of this Industrial Training Is Four Weeks From 27th July , To 25th
August, 2023

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 CHAPTER 2 : COMPANY PROFILE
2.1: Company Details

2.1.1: Name And Website

Name - Kangra central co –operative bank ltd.

The Main Branch Along With It Service Branch, Arbitration And The Kangra Cooperative
Bank Ltd. Started In A Humble Way As A Small Thrift/Credit Society
The Kangra Central Cooperative Bank Limited Is Established In The 17-03-1920, The Kccb
Is A Major Indian Private Bank With Its Headquarters In Dharamshala. The Bank Has Over
210 Branch The Kccb Provides All The Financial Services Includes Saving Accounts,
Current Account, Deposits, Safe Deposit Lockers, Personal Loans, Home/Car Loans, Two
Wheeler Loans, Educational Loans, Debit Credit Card . On The Website One Can Easily Pay
Bills, Make Credit Card Payments ,Transfer Funds Access Net Banking And MuchMore.
The Bank Began Operation In 17-03-1920 With A Simple Mission : To Be A “World-class
Indian Bank”. For Queries Complaints Or Other Reach The Kangra Central Cooperative
Bank Limited Customer Care Between 9 A.M To 6 P.M From Monday To Friday.
It Provides All The Financial Services To Its Customer Like Saving Deposit, Fixed
Deposites, Home Loan , Car Loan, Mobile Banking , Atal Pension Yojana,
Pradhanmantrijandhanyojna , Pradhanmantrijeevanjyoti Bema Yojana And Many More.

Website: https://www.kccb.in/

History

The Kangra central co-operative bank ltd. Dharamshala was registered on 18 march 1920. It
was established to facilitate the operation of the primary co- operative societies affiliated
with it by raising resources and acting as balancing centre. It was granted license to open
branches and consequently six more branches were added in February , may ,December
1996,june 1998, October 2008 and last in July 2009.In recognition of its outstanding
contribution to the cooperative movement, KCCB has received numerous awards and

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 accolades. The bank is committed to providing its customers with the best possible banking
experience and to continuing its legacy of service to the people of Kangra.

2.1.2: Vision, Mission, Objectives

Vision:

“We will provide comprehensive and cost effective Banking services to the community with smile
through co-operatives to meet their banking needs”.

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 Mission

“To strive hard to provide excellent customer services to its clientele.. To promote trust , faith,
confidence and commitment among the staff members to meet the expectations of the valued
customers”.

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Objectives

The Kangra Central Co-operative Bank aims to continuously update and develop its product line
and range of services to cater to the needs of retail and corporate customers. To achieve this goal
efforts have been directed in three main areas:

 Design and introduction of New Products and Services.

 Shaping and developing the system to face new challenges and emerging need of market.
 Full implementation and utilization of the Bank's excellence program which aims to
provide
2.1.3: Business and product mix

KCCB bank offers a wide range of commercial and transactional banking services and
treasury product to wholesale and retail customers. The bank has two business sagements.

Retail banking services

It provide target market customer a full range of the financial product and banking services,
giving the customer a one stop window for all banking requirements .So as well as provide
alternative delivery channels like ATM , mobile banking ,net banking etc.

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 Product
KCCB bank ltd offers a bunch of product and services to meet the every need of people.
The company cares for both individuals as well as corporate and small and medium
enterprises . for individual and cards assist the customers. The customer are choose the
suitable one from a range of product which will suit their life stage and needs. For
organization the company has a host of customer solution the range from funded services
and non founded services , value addition services, mutual funds etc.
1) Accounts & deposits
a) Saving account
i) Saving plus account
ii) Regular Saving account
iii) Senior citizen account
iv) Insitutional saving account
v) Payroll salary account
vi) Pension saving account
vii) Family saving account
viii) Kisan saving acccount
b) Current account
i) Plus current account
ii) Trade current account
iii) Premium current account
iv) Regular current account
v) Max current account

2) Fixed deposit account

i) Regular fixed account
ii) Super saver account
iii) Sweep In account
iv) Safe deposit locker.

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3) Loans
i) Personal loans
ii) Home loans
iii) Two wheeler loans
iv) New car loans
v) Commercial vehicle finance
vi) Working capital finance
vii) Construction finance
viii) Investment and insurance
ix) Used car loans
4) Cards
i) Silver credit card
ii) Gold credit card
iii) Other services
5) Other sevices
i) UPI
ii) internet banking

2.1.4: Administrative and organizational structure

The management of affairs of the bank shall best as defined in the law in the following boddies
and offices.
The general body shall determine the general policy of the bank

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THE BOARD OF DIRECTOR

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 BOARD OF DIRECTORS OF KCCB LTD.
Table no. 1
CHAIRMAN Sh. Kuldeep Singh Pathania

VICE CHAIRMAN Sh. Ramesh Kumar

DIRECTOR Smt. Prem Lata Thakur

DIRECTOR Sh. Karnail Sing Rana

DIRECTOR Sh. Ranjeet Singh Rana

DIRECTOR Sh. Atam Prakash

DIRECTOR Sh. Hiteshwar Singh

DIRECTOR Sh. Karan Singh Pathania

DIRECTOR Sh. Lekh Raj Kanwar

DIRECTOR Sh. Pawan Kumar

DIRECTOR Sh. Balwant Singh Thakur

DIRECTOR Sh. Champa Chering

DIRECTOR Sh. Chander Bhusan Nag

DIRECTOR Smt. Gaytri Kapoor

(Govt. Nominee)
DIRECTOR Sh. Sher Singh Chauhan
(Apex Nominee)
MANAGING DIRECTOR Sh. Vinod Kumar (I.A.S)

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2.1.5: HEADQUARTER

Dharamshala

(The Kangra Central Co-Operative Bank Ltd.)

2.2: Environmental Analysis

Kccb operates in a dynamic environment that is influenced by various factors. An
environment analysis for kccb would typically involve assessing political, economic,
social, and technological factors. Additionally, environmental sustainability and
regulatory compliance are critical considerations. It’s essential to evaluate how these
factors impact kccb operations, risk management, and overall business strategy.
 Political Factors
 Economic Factors
 Social Factors
 Technological Factors
 Environmental Sustainability
 Regulatory Compliance
 Global Economics Trend
Competition
Risk management

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2.2.1: Internal Environmental Analysis

Internal environmental analysis of the the kangra central co-operative bank ltd. would involve
examining its organizational structure, culture, resources, and capabilities. This includes
evaluating its management practices, employee skill sets, technological infrastructure, and
financial health. Additionally, assessing kccb strengths and weaknesses in areas such as
customer service, product offerings, and innovation would provide insights into its internal
dynamics.
 Organizational Structure
 Corporate culture
 Human Resources
 Financial Health
 Technological Infrastructure
 Operational Efficiency
 Risk Management
 Innovation
 Customer Service

2.2.2: External Environment Analysis: -

When it comes to external environmental analysis, consider factors like economic conditions,
market trends, regulatory changes, and competition. It helps them understand the opportunities
and threats in the external environment.
 Economic Factors
 Regulatory Enviromental
 Technological Trends
 Social and Cultural Factors
 Political Environment
 Environmental and Sustainability Factors
 Legal Factors
 Competitive Landscape

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 CHAPTER 3: ACTIVITIES OF VARIOUS DEPARTMENTS
Here is a summary of the activities of various departments of the Kangra Central Co-operative Bank
Limited:
1. Banking Operations
 Handles all cash transactions, including deposits, withdrawals, and cheque
clearances.
 Manages customer accounts and provides account statements.
 Processes loan applications and disburses loans.

2.Credit and Loan Administration

 Appraises loan applications and assesses creditworthiness of borrowers.
 Monitors loan accounts and ensures timely repayment of loans.
 Takes action to recover delinquent loans.

3.Customer Service
 Provides customer service and support to all customers.
 Handles customer inquiries, complaints, and requests.
 Resolves customer issues and ensures customer satisfaction.

4.Marketing and Business Development

 Develops and implements marketing strategies to attract new customers and
increase business.
 Develops and maintains relationships with key stakeholders, such as corporate
clients and government agencies.
 Expands the bank's branch network and ATM footprint.

5.Human Resources
 Recruits, selects, and trains employees.
 Handles employee compensation and benefits.
 Manages employee performance and conducts disciplinary proceedings.
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6. Information Technology
 Develops and maintains the bank's IT infrastructure.
 Provides IT support to all departments.
 Implements IT security measures to protect the bank's data and systems.

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 CHAPTER 4: KEYS LEARNING OUT OF THIS TRAINING

Sr. weeks Nature of work done Work learnings How my theoretical

no. assigned knowledge helped me in
doing this work assigned

1 Week1 How to fill different types manager I learned how to This helps me to fill
of voucher talk respectly different type of fill
with the vouchers
customer

2 Week2 Loan notice accountant Here I learned My theoretical knowledge

that how to send help me to different terms
notice for loan in a loan categories.
account holder

Week3 Opening different types of manager I learn how to Here I use my knowledge
3 new accounts open new bank to fill different account
account like opening forms etc.
saving account
current account

4 Week4 CKYC manger I Learned about The CKYC refer to central

central based KYC (know your
know your customer) an initiative of
customer the govt of india.
verification

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 CHAPTER 5: CONCLUSION

 The project was undertaken to analyze the CUSTOMER STATISFACTION TOWARD

KCC BANK. The study concludes that KCC Bank, which was established for mainly for
the service of rural sector, was almost on the line to its goal.
 But now this bank had developed so much in public sector and makes a good position.
 But there was shortage of staff in some of the KCC banks. Earlier the banking system was
manual which was affecting the business and customer services but now the computerized
system was started which makes the work of the organization easier

 The main reason for which the internee had selected banking field to learn about how
working environment in the bank. The prime objective is to obtain the professional
experience by exposing the corporate culture and implementing the knowledge that has
been learnt.

 In this examation I found that the obligation of kangra central co-operative bank with its
clients is great, since kangra central co-operative bank essentially centers around holding
their clients.

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 SUGGESTION

 Personalize customer interactions at KCCB by utilizing data analytics to gain deeper

insights into customer preferences and behavior, enabling personalized product
recommendations and targeted marketing campaigns.

 Enhance customer service at KCCB by providing prompt and responsive support through
multiple channels, including phone, email, live chat, and social media.

 Gather customer feedback at KCCB regularly through surveys and focus groups to identify
areas for improvement and enhance overall customer satisfaction.

 Expand KCCB's online and mobile banking services to make it easier for customers to
manage their finances conveniently.

 Implement KCCB's digital onboarding process, allowing customers to open accounts

remotely and without paper documents.

 Explore fintech partnerships to introduce innovative financial products and services that
cater to the evolving needs of tech-savvy customers.

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 REFERENCES
 https://www.kccb.in/

 https://www.hrkatha.com/news/kccb-to-recover-bonus-and-ex-gratia-from-staff/

 https://economictimes.indiatimes.com/wealth/ifsccode/bank-the-kangra-central-
cooperative-bank-limited,state-himachal-pradesh,district-hamirpur,branch-puca-
baroh,ifsccode-KACE0000168.cms

 https://www.slideshare.net/PankajSharma1221/on-the-job-summer-training-report-2017

SUBMITTED BY: SHOBHIT THAKUR

REGISTRATION NO.- 22015126065

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