A

Summer Training Project Report

on

PROJECT REPORT ON LOANS AND ADVANCES

Submitted to

I.K. GUJRAL PUNJAB TECHNICAL UNIVERSITY

JALANDHAR

In partial fulfillment of the requirement for the

award of degree of
Master of Business Administration (MBA)

Submitted by Project Guide

Maninder Singh Mrs. Kiranjeet Kaur
Roll no.1615219 ( Branch Manager)

Session (2016 - 2018)

APEEJAY INSTITUTE OF MANAGEMENT TECHNICAL CAMPUS
JALANDHAR
 DECLARATION

This is to certify that the project report entitled “LOANS AND ADVANCES” is a
bonafide piece of work conducted under the supervision of MS. Kiranjit Kaur (Branch
Manager), Hoshiarpur central co.op bank Punjab (Company Guide). No part of this
work has been submitted for any other degree of any university. The data sources have
been duly acknowledged

Date:

Student’s Signature
 PREFACE

The project study on LOAN AND ADVANCES of cooperative bank has been
conducted to fulfill the requirement as is enforced by Apeejay Institute of
Management and Technical Campus. This training helps the students to
working in actual condition in the bank. This project report conducted
with the Hoshiarpur Central Cooperative Bank Ltd and is prepared on
the basis of financial statements. The required information was obtained
from the Manager, Accountants and other member of the bank. The loan
facilities of the bank have been described in this project report. During
the training.I tried to understand the loan facilities procedures of the
bank.
 ACKNOWLEDGEMENT

It is difficult to acknowledge so precious a debt as that of learning as it is the

only debt that is difficult to repay, except through gratitude. First and foremost,
it was a great pleasure to do my summer training at “The Hoshiarpur Central
Cooperative bank Ltd.”. I was really fortunate for getting an opportunity to
pursue my assignment in a reputed, well established, fast and professionally
managed organization. I would like to express my gratitude to Mr. MOHAN
LAL(manager) who gave an opportunity to take up my project in this
esteemed organization and helped me throughout the project with her
competent guidance, keen interest and valuable suggestion. I extent my
thanks to the planning section of the bank for supplying me the valuable
information required to complete my study

MANINDER SINGH
 TABLE OF CONTENTS

Certificate by Guide i.
Declaration ii.
Preface iii.
Acknowledgments iv.

CHAPTER NO. CHAPTER TITLE PAGE NO.

Introduction 1
1.1 INTRODUCTION OF BANK 2
1.2 OBJECTIVES OF THE COOPERATIVE BANK 3
1.3 FEATURES OF THE CENTRAL 4-5
COOPERATIVE BANK
1.4 EVOLUTION OF COOPERATIVE IN INDIA 6
1.5 COOPERATIVE BANKING STRUCTURE 7-8
1 1.6 RESEARCH METHODOLOGY 9

1.7 LIMITATIONS 10

BANK PROFILE 11
2 2.1 MEANING OF COOPERATIVE BANK 12
2.2 INTRODUCTION THE HOSHIARPUR
CENTRAL COOPERATIVE BANK LTD. 13
(PUNJAB)
2.3 LIST OF KEY PERSONNEL 14
2.4 MAIN BRANCHES OF COOPERATIVE
BANK HOSHIARPUR 15
 A STUDY OF THE LOANS & ADVANCES 16
3.1 INTRODUCTION OF LOANS & 17-19
ADVANCES 20
3.2 UTILITY OF LOANS $ ADVANCES 21
3.3 RULES FOR THE LOANS 22-25
3 3.4 PROCEDURE FOR GRANTING THE LOANS 26-37
3.5 TYPES OF THE LOANS 38-43

3.6 TRAINNING SCHEMES &ACHIEVEMENTS

DATA ANALYSIS AND INTERPRETATION 44

4
4.1 DATA ANALYSIS &INTERPRETATION
45-46

4.2 FINANCIAL ANALYSIS 47-48

4.3 QUESTIONNAIRE 49-52

5 FINDINGS OF THE STUDY 53-55

56-57
CONCLUSION OF THE STUDY
6

58-59
SUGGESTIONS OF THE STUDY
7
 BIBLOGRAPHY 60-61

Appendix/ Supportive Documents (if any)

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