Sl.

no Chapters Topic Page no

1 Chapter 1 Introduction 1-7
2 Chapter 2 Organization 8-12
profile
3 Chapter 3 Research and
praposal
4 Chapter 4 Literature
review and
theoretical
concepts
5 Chapter 5 Data analysis
and
interpretation
6 Chapter 6 Conclusion
and suggestion
7 Chapter 7 Bibliography
CHAPTER : 1:

INTRODUCTION :
The banking system is central to a nation's economy. Banks are special as the only accept and
deploy large amounts of uncollateralized public funds in Fiduciary capacity, but also leverage
such funds through credit creation. In India, Prior to nationalization, banking was restricted
mainly to the urban areas and neglected in the rural and semi- urban areas. Large industries
and big business Houses enjoyed major portion of the credit facilities. Agriculture, small-
scale Industries and exports did not receive the deserved attention. Therefore, inspired by a
larger social purpose, 14 major banks were nationalized in 1969 and six more in 1980. Since
then the banking system in India has played a pivotal role in the Indian economy, acting as an
instrument of social and economic change. The Rationale behind bank nationalization has
been succinctly put forth by eminent Bankers.

"Many bank failures and crises over two centuries, and the damage they did under laissez-
faire conditions; the needs of planned growth and equitable Distribution of credit, which in
privately owned banks was concentrated mainly on the controlling industrial houses and
influential borrowers; the needs of growing small scale industry and farming regarding
finance, equipment and inputs.

CLASSIFICATION OF BANKS :

A).COMMERCIAL BANK :

A commercial bank is of financial institution which carries all the operation related to
deposit and withdrawal of money for the general public providing loans for investing, etc.
These banks are profit-making institutions and do business only to make a profit.

TYPES OF COMMERCIAL BANK:

1). PUBLIC SECTOR BANK

2). PRIVATE SECTOR BANK

3). FOREIGN BANK

4). RRB (REGIONAL RURAL BANK)

1). PUBLIC SECTOR :

The public sector is a part of the economy that comprises all organizations that are owned and
operated by the government. This includes everything from schools and hospitals to roads
and bridges.
2). PRIVATE SECTOR :

The private sector is the part of a country's economic system that is run by individuals and
companies rather than the government. Most private sector organizations are run the intention
of making profit.

3). FOREIGN BANK:

A Foreign bank branch is a type of foreign bank that is obligated to follow the regulations of
both the home and host countries because the foreign Bank branch has loan limits based on
the total bank capital, they can Provide more loans than subsidiary banks.

4). RRB (REGIONAL RURAL BANK):

Regional rural banks are government owned schedule commercial banks of India that operate
at regional level in different states of India. These Under the ownership of ministry of
finance, government of india. They Were created to serve rural areas with basic banking and
financial services however, RRBs also have urban branches.

B).SMALL FINANCE BANK :

Small finance banks is a specific segment of banking created by RBI under the guidance of
government of India with an objective of furthering financial inclusion by primarily
undertaking basic banking activities to un-served and underserved sections including small
business units, small and marginal farmers, micro and small industries and unorganized
entities. Like other commercial banks, these banks can undertake all basic banking activities
including lending and taking deposits.

C).PAYMENTS BANK:

A payments bank is like any other bank, but operating on a smaller scale without involving
any credit risk. In simple words, it can carry out most banking operations but can't advance
loans or issue credit cards.

D).CO-OPERATIVE BANK:

A co-operative bank is a financial entity which belongs to its members, who are at the same
time the owners and the customers of their bank.

1) URBAN CO-OPERATIVE BANK :

The term urban co-operative banks though not formally defined, refers to primary co-
operative located in urban and semi-urban areas.

1) STATE CO-OPERATIVE BANK :

The state co-operative bank is a federation of the central co-operative bank and acts as
custodian of the co-operative banking structure in the state. Its funds are obtained from the
social capital, deposits, loans and overdrafts of the reserve bank of India.

2) PACS (PRIMARY AGRICULTURAL CREDIT SOCIETY:

A primary agricultural credit society (PACS) is a basic unit smallest Co- operative credit in
India. It works on the grassroots level (gram panchayat and village level.) its main function is
provide short and medium-term purpose loans to its.

HISTORY OF THE CO-OPERATIVE SOCIETY:

"A Co-operative bank, as its name indicates is an institution consisting of a number of

individuals who join together to pool their surplus savings for the purpose of eliminating the
profits of the bankers of money lender with a view to distributing the same amongst the
depositors and borrowers." co-operative registered as a co-operative bank in terms of the Act
whose members

1). Are of similar the co-operative banks Act, of 2007 (the act) defines a co- operative bank
As a occupation or who are employed by a common employer

FEATURES OF CO-OPERATIVE BANK:

Co-operative bank perform all the main banking functions of deposit mobilization, supply of
credit and provision of remittance facilities.

Co-operative banks belong to the money market as well as to the capital market. Primary
agricultural credit societies provide short term and medium term loans.

As said earlier, co-operative banks accept current, saving and fixed or time deposits from
individuals and institutions including banks.

Co-operative banks organized and managed on the principal of co- operation, self-help and
mutual help. They function with the role of "one member, one vote". Function on "no profit,
no loss" basis. Co-operative banks, as a principal, do not pursue the goal of profit
maximization.

CO-OPERATIVE BANKS ARE FINANCIAL INTERMEDIARIES ONLY

PARTIALLY

The sources of their funds (resources) are;

a) Central and state government,

b) The Reserve Bank of India and NABARD,

c) Other Co-operative institutions,

d) Ownership funds and

e) Deposits or debentures issues.

1) Co-operative banks, in short, have played a pivotal role in the development of short term
and long term rural credit structure in India over the years. The co-operative credit effort is
said to be the first ever attempt at micro credit dispensation in India.

2) Co-operative movement in the world: The earliest co-operative were set-up among the
weavers, in other words worker in cottage industries, Who were the first and the hardest hit
by the development of the mercantile economy and the industrial revolution.

So the weavers, in order to gain access to the market in the tools of their trade or to
the market in foodstuffs set up the first co-operative in Scotland (Fenwick, 1761; Go van,
1777; Darvel, 1840), in France (Lyons, 1835), in England (Rockdale, 1844) and in Germany
(Chemnitz, 1845). Through co-operative and mutual enterprise has been an essence of human
society ever since it involved, the real co-operative movement can be credited to the
Rockdale Pioneers who established a co-operative consumer store in North England. This
store can be called as the first in the co- operative consumer movement.

The "Rockdale Pioneers", made their first aim to establish cooperative where the members
would not only be their own merchants but also their own producers and their own
employers.

NEED OF STUDY

The study involves the personal interest to understand about trends in business based on
profits earned by the bank and to understand about the different banking operations and
percentage changes over time in the selected data and to compare the historical data of
different periods, we can identify the growth rate, trend line, and of various financial
indicators.

RESEARCH METHODOLOGY

This study aims on the compatitive analysis of fixed deposit and pigny deposit of Shiva
credit Co-operative Bank Haveri .This study is mainly based on deposits
CHAPTER : 2 :

COMPANY PROFILE :
ORGANISATION PROFILE :

Name of the society Shiva cooperative credit society ltd , Haveri

581110
Founder of the bank Mr. Mallappa . Veerappa . Itagundi
Head office Haveri
Year of establishment 9 – 10- 2001
registration C/R. 85/30432/2001/02
Type of sector Cooperative society
Address Shiva cooperative credict society ltd , Haveri
581110
Total employees Staff – 5, legal advisor – 1, directors - 14
Name of general manager

INTRODUCTION OF SHIVA CREDIT CO-OPERATIVE SOCIETY

Shiva credit co-operative society Ltd, Haveri is the financial institution established in
the year 01/12/2001 has completed its useful of 21 years in Haveri. Its providing loan facility
to public residing in and around Haveri.

The main objective of this society to protect poor people from private lenders. Shiva
credit co-operative Society Ltd, Haveri is the financial Institution provides loan facilities as
specifically agriculturist's people and collect the deposits for their customers in and around
Haveri.

Haveri city is a developing city loan is necessary to HAVERI people so it is helpful.

INTEREST RATE AND DEPOSITE :

SL. NO DEPOSITE TIME INTEREST ON INTEREST RATES

RATES GENERAL ON SENIOR
CITIZEN
1 30 days to 90 days 4% 4%
2 91 days to 180 days 4.50% 4.50%
3 181 days to 365 days 6% 6.50%
4 1year to2year 7% 7.50%
5 2 years to 3 years 8.50% 9%
6 Above 3 years 9.50% 10%

: VISION

Inspiring to build a strong bond liable to co-operative unified by a common aspiration to

promote thrift and mutual assistance through programs and services to people.

MISSION:
 Increase economic opportunities and benefits for public by forecasting the growth and
success of co-operative enterprises and investment.

: PRODUCTS AND SERVICES AVAILABLE IN THIS CO-OPERATIVE

SOCIETY:

SERVICES

a) Cheque

Usually, the drawer's name and account is preprinted on the cheque, and the drawer is usually
the signatory. Payee: the person or entity who is to be paid the amount. Drawee: the bank or
other financial institution where the cheque can be presented for payment. This is usually
preprinted on the cheque.

b) RTGS (Real time gross settlement)

RTGS or Real-Time Gross Settlement is a system where the funds transfer requests from one
savings account to another are processed in real-time, i.e., as soon as they are received from
the remitting bank. Unlike in NEFT, the fund transfer instructions under RTGS are processed
individually on an order basis.

c) Public locker

A locker is a small, usually narrow storage compartment. They are commonly found in
dedicated cabinets, very often in large numbers, in various public ...

LOANS

a) Vehicle loan

Car Loan Documents

Required documents include KYC details, identity and address proofs, income evidence and
business or employment stability proofs. Salaried individuals need recent salary slips whereas
self-employed applicants must provide financial statements or income tax returns.

b) Personal loan

Personal loan is a type of unsecured loan that you can borrow from a bank or financial
institution if you require funds to pay for your financial needs.

c) Deposit loan

You can check details such as the outstanding amount, annualised rate of interest, and deposit
ID by visiting our customer portal – My Account.

d) Overdraft loan
An overdraft facility allows you to withdraw funds from a fixed line of credit (sanctioned
loan amount) as and when you need and deposit funds in the same.An overdraft is a credit
feature offered by private and public sector banks that permits you to withdraw an amount as
per your requirements.

e) Pigmy deposit loan

Loans can be availed upto a maximum of 85% of the balance in the Pigmy account.
Nomination facility available. No tax will be deducted for the interest on the deposit. (for
Members Only)

f) Gold loan

Documents Required for Gold Loan

Proof of Identity (Any One): Aadhar Card, PAN Card, Passport, Voter ID, Driving License.

Proof of Address (Any One): ...

Passport-size Photographs: ...

Proof of Ownership: ...

Form of Gold: ...

Duly Signed Application Form: ...

Income Proof (Optional): ...

Borrower's Signature Proof:

g) Business loan

Instant Business Loan — Navigate Business Success With Our Seamless Loan Application.
Fast, Simple, Effective. Fuel Your Business Dreams With Quick and Easy Loans. Discover
Financial Freedom Now.

SWOT ANALYSIS:

SWOT is an acronym for the internal strengths and weaknesses of a firm and environment
Opportunities and Threats facing that firm .SWOT analysis is a widely used technique
through which managers create a quick overview of a company's strategic situation. The
technique is based on the assumption that an effective strategy derives from a sound "fit"
between a firm's internal sources (strengths and weakness) and its external situation
(opportunities and threats). A good fit maximizes a firm's strengths and opportunities and
minimizes its weaknesses and threats.

: 1) Strengths:
a) It focuses on rural development.

b) Emphasis on customer satisfaction.

c) Well experienced planning team.

d) Quick Remit, a facility to make money transfer easy.

e) Operating system for handling of the fund in bank is better than the other private bank.

2) Weaknesses

a) Lack of well infrastructure facility.

b) Absence of E-banking facility.

c) Less variety of banking products.

3) Opportunities

a) Rural banking and more services for the rural areas.

b) New schemes can be introduced.

4) Threats:

a) More competition with other banks.

b) Up-gradation of technology in other small banks which are still well behind.

c) Highly competitive environment