EXECUTIVE SUMMARY

The corporate exposure and learning was done at SCDCC bank limited,
Mangalore. The study was conducted in two parts. In the first part a detailed study of
the company profile was done with reference to 7-s model McKinsey. The product
profile, organization structure and the balance sheet analysis using various ratios.

In the second part, the study was done on the problem faced by SCDCC bank
Ltd. The problem was related to “Credit appraisal and monitoring of agricultural
credit at SCDCC”. The purpose of the study is to know the credit appraisal method by
the bank.

OBJECTIVES OF THE STUDY

• To understand the method of credit appraisal of SCDCC bank.

• To know the different type of agriculture loan and the rate of interest charged to
those loans.
• To know the different schemes provided by the bank.
• To know the repayment period and recovery procedure and to analyze recovery
position of bank.
• To analyze the amount of total agriculture loans advanced, comparison of Kissan
credit loan, and medium term loans as against total loan advanced, procedure
followed by bank for granting loan.

Duration of the Study:

10 weeks

Methodology:

The study is based on collection of both primary data secondary data.

Primary data:

Primary data was collected through direct interview with concerned authority,
personal discussion, interview and data from reports.

Secondary data:

Secondary data is collected through journal, company records, textbooks and

websites.
 ACKNOWLEDGEMENT

First of all, I express my utmost gratitude to my project Guide,

Mrs. SUREKHA I. Faculty, MBA programme who has enthusiastically imparted
relevant information, support in carrying out this report.

I express my humble thanks to Mr. P. NARAYAN KAMATH Assistant

General Manager S.C.D.C.C. Bank Ltd, Mangalore for his valuable guidance and
support in undertaking the study and preparing this report.

I am thankful to our beloved Director of MBA programme,

Dr. VISHNU PRASANNA K.N who has enthusiastically imported relevant information,
support in carrying out this report.

I express my profound and sincere gratitude to Prof. S. G. GOPALA KRISHNA,

Principal K.V.G.C.E, Sullia, for his support in carrying out this project.

My sincere gratitude to Dr. KURUNJI VENKATRAMANA GOWDA, Founder

President of Academy of Liberal Education, Sullia for having been a constant source
of inspiration.

I would like to express my gratitude to all MBA faculty members, my parents

and friends for being constant source of support and encouragement.

Place: Sullia RADHAKRISHNA GOWDA A.

Date:
 CONTENTS

Chapter No Title Page No.

Section A
I. INDUSTRY PROFILE 1
II COMPANY PROFILE 10
III SERVICE PROFILE 20
IV ORGANISATION STRUCTURE 35
V ACCOUNTING AND FINANCIAL PRACTICES 39

Section B
I INTRODUCTION 51
II REVIEW OF LITERATURE 54
III METHODOLOGY 59
IV RESULTS AND DISCUSSION 61
V SUMMARY AND CONCLUSION 77
VI REFERENCES 79
APPENDIX 80
 LIST OF TABLE

Table No. Title Page No.

Section A
1.1 Co-Operative Credit Structure in the Whole State of
Karnataka 9
3.1 Deposits From Customer and From PACs 21
3.2 Statistical Highlights 27
3.3 Membership and Share Capital 30
5.1 Balance Sheet as on 31st March 2004 &
2005(Liabilities) 42
5.2 Balance Sheet as on 31st March 2004 & 2005(Assets) 43
5.3 Profit and Loss Account for the Year 2004 & 2005
(Expenditure) 44
5.4 Profit and Loss Account for the Year 2004 & 2005
(Income) 45
5.5 Ratio Analysis 50
Section B
4.1 Present Rate of Interest Loan 53
4.2 Scale of Finance for Crop Loan 65
4.3 Total Agriculture Loan Advanced for 5 year 72
4.4 Comparison of Kisan Credit Loan with Total Loan 72
4.5 Comparison of MT Loan with Total Loan 72
4.6 Comparison of Total Agriculture Loan With Non
Agriculture Loan Advanced 74
4.7 Comparison Recovery of Agriculture Loan With Non
Agriculture Loan 74

LIST OF FIGURES

Fig. No Title Between Pages

Section A
2.1 7s Mckinsey Frame Work 11-12
3.1 Value Chain Analysis 20-21
 3.2 Out Bound Logistic 25-26
4.1 Organization Structure 35-36
Section B
4.1 Total Agriculture Loan Advanced for 5 Year 72-73
4.2 Comparison of Kisan Credit Loan with Total Loan 72-73
4.3 Comparison of MT Loan with Total Loan 72-73
4.4 Comparison of Total Agriculture Loan with Non-
Agriculture Loan Advanced for 5 Years 74-75
4.5 Comparison of Recovery of Agriculture Loan with Non
Agriculture Loan 74-75