sarvodaya bank

8/13/2019 Sarvodaya Bank

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INTRODUCTION

Today in the modern world banking is a backbone of national

economy of any country. The progress of banking is an unavoidable

Procondition to correspond, health and swift growth of the national

economic formation. Institutions of banking have donated much to the

growth of the developed countries of the world. Today without banking,

the business cannot run smoothly. Banking is an important in economy asblood in the human body. Due to the progress of banking advance are

increases and business activities developing. So it is rightly said, the

growth of banking is both root and result of the development of the

business world.

The progress of banking is both the cause and result of the business

growth. fter !"#$ the Indian government also has taken a series of steps

to develop the banking sector. Due to e%tensive efforts and considerable

efforts of the government today we have a no. &f bank like as, 'BI,

Industrial banks and (o)operative banks. *ven today the banking system

of India retain certain limitation but one cannot doubt its important role in

the development of the Indian economy.

!


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B&+T B-I

Definition of Banking

Banking company is a company, which accepts money with low

rate, and investment at deposit of money with high rate.

- Banking 'egulation ct /!"#"0

Banking company is a company, which transects the business ofbanking in any state of India.

- Section s /10 of Banking (ompany ct /!"#"0

Banking is my brain and other people2s money.

- Bombay Provincial Banking In3uiry (ommittee

Origin of word Bank:

4Bank5 word origin is originated by different views. Some e%perts

view that word 4Bank5 is derived from word 4Bancus5 or 4Ban3ue5,

which means Banch.

Some other e%perts view that word 4Bank5 is originated from

erman word 4Bach5 which means 46oint (apital5.

Sort of Bank / Types of Bank:

/!0 (ommercial Bank7

The activity of (ommercial Bank is collecting the money from

public /saving of public in the form of money0 and which money invest in

their development /They also carry out leading of money0. They are also

to lend the money to meet the need of Buyer, Saller, 8erchant, Tredess

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and business house. This type of bank provides the loan in the short)term

form to company, trade and industry. The accepted deposits are always

repayable on demand or on short notice.

/90 (o)operative Bank7

The main aims of (o)operative Banks are to reach actual progress

of agriculture sector and activity of granting advances and loan. (o)

operative banks meet the short)term financial needs of farmers. :or which

borrower /former0 has to follows the rule of (o)operative Bank. (o)

operative Bank rise funds through various means.

/;0 (entral Bank7


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re3uires foreign currencies to meet his obligations. *%change Banks to

stage the role of financing the dealer for setting transaction involved in

foreign trade.

/>0 ?and Development Bank7

There are very less numbers of such Bank in India. Such types of

Bank /providing0 supply long)terms advances and loans to agriculturist

other improvable properties. They provide long)terms funds for periods

e%ceeding > years and up to 9@ years.

?and Development Banks are earlier known as ?and mortage

Banks.

/$0 Investment or Industrial Bank7

Investment Bank provides long)term credit to industrial. They raise

their funds by way of share capital, debenture, and long)term deposits

from the public. They also raise funds by issue of bonds for business

corporation and government agencies.

#


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B&+T (&)&P*'TIA* B-

eaning and Definition:4(o)operation is an effective self)reliance done by organism.5

)Sir oras Planket

4(o)operation is one type of organism in which people Coin

willingly to encourage their e3ual financial interest5.

)ewert -elwert

4(o)operation is the step taken for e3ual profit or loss undermutual management. 8anagement by mutually using their own resources

and factors willingly.

)erick 8. T.

Origin of Co-operati!e Bank:

The word of co)operative was /being0 recogni=ed in !"@# /when

the co)operative societies ct !"@# was enacted0.


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/90 District (o)operative Bank7

District (o)operative banks are linked with the state (o)operative

Bank and primary credit society. This bank collects the deposits from

rural area and these banks supplies money to primary credit society and

gives money to other institutes on a reasonable rate of interest.

/;0 State (o)operative Bank7

These banks take a position at the higher stage in the structure of

(o)operative borrowing activity. The main acts of these banks are co)

ordination of co)operative lending its balance and playing many roles.

These (o)operative banks have to keep control and watch on the district

and primary (o)operative banks.

/#0 ?and (o)operative Bank7

The main acts of these banks are providing long)terms advance and

loan to agriculture sector. (o)operative societies and (o)operative bank

give only short)term and middle)term advances and not long)term, so for

long)term loans, there is an independent separate bank.

/10 agarik (o)operative bank7

The meaning of agarik (o)operative bank is a 4 (o)operativesociety2. The paid up share capital of these types banks are minimum

's.1@@@@ which has been registered in a city area. The agarik (o)

operative bank can do a banking business after getting licenses from 'BI.

The main function of the agarik bank should be financial transaction

and paid up capital reserve in this bank should not be less than one lacs.

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IST&' &: S'A&D S-'I

B- ?I8IT*D

The sarvodaya sahakari bank ltd. is laid down by 8r.Aiththalbhai

P. min, the president of uCarat urbon (o)operative bank federation, at

Surat city in varachha road.


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"rogression of Bank fro# $%-%-$&'% to ()-*-%))(:


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Bank has won 9nd pri=e, in +dyog)9@@@ arranged bySouthern uCarat (hambers of (ommerce.

BR+NC,S

'*D.&::I(*7

4Shri idhi5, -hand Ba=ar, Aarachha 'oad,

Surat);"1@@>, Ph.7 911#;>1)>>)>$)>")$@

/!0 'ing 'oad Branch

(enter Point Building,

Beside -adiwala School,

'ing 'oad, Surat

Phone7 ) 9#$9E!;F9#$9$E!F$#$9>"$/Tele banking0

/90 Aed 'oad Branch

'amCi (hambers,

'amCi agar,

Surat.

Phone7 ) 91!9$;;F91!@9";

/;0 Puna -umbhria Branch

.6. (omple%,

Aillage)magob,

Surat.

Phone7 )9>#;>9>F9>#;>@$F9>#;>;1

/#0 thwalines Branch

8)91, Sargam Shopping (enter,

Parle Point,

Surat.

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Phone7 )991#"1"F991#">@F991#">!/Tele Banking0

BO+RD O. DIRCTORS

Cair#an

Shri 8ahesh(handra '. ?akhwala

anaging Dire0torShri 8adhusudan . -atargemwala

1i0e Cair#an

Dr. Bharatbhai . Shah

Dire0tors

Shri Prafulbhai mablal Shah

Shri Aallabhabhai irabhai Patel

Dr. -anaiyalal . 8avani

Shri (handrakant . Trivedi

Shri 6ayantilal 8. :udanawala

Shri8ati Dr.6ayaneben B. Bhakt

Shri ogeskchandra 6. Parikh

Shri 'ameshchanra 6. 'eshamawala

Shri -anubhai . Shah

Shri 'aCendrabhai 8. (hokhawala

Shri 8ahendrabhai '. -aCiwala

+d!iser

!@


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Shri Aipinbahi . Shah

Organi2ation Str30t3re of Sar!odya Saakari

Bank 4i#ited

C,+IR+N

1IC C,+IR+N

BO+RD O. DIRCTORS

C,I. +N+5R

+DINISTR+TI1 +N+5R +N+5R CR+DIT

+SSIST+NC +N+5R CRDI +SSIST+NC +N+5R RCO1R6

O..ICRS O..ICRS

C4R7S C4R7S

"ONS "ONS

!!


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"UTTIN5 N8 .+CI4IT6

.OR CUSTORS:

There are some many facilities drawn by Sarvodya Sahakari Bank

?imited for their customers and member facilities like7 +3to#ati0 Te99er a0ine +T;: -The Bank brought the automatic teller machine on 9"th

march !"">. This is the first bank of South uCarat

providing high facility to the customer by automatic teller

machine. By using the automatic teller machine customer

can receive banking services round the clock 9# hours and

whole year ;>1 days. T8 is also known with another name

for business development is 4ny time money5. (ustomer

get T8 card who have a che3ue saving account. In the

simple saving, customer cannot get T8 card. t a time of

using T8 card customer has to press both the account

numbers and password numbers in Sarvodya T8 machine.

:or using government T8 card customer has to press only

password. :rom current account, overdraft account and

saving account customer can withdraw the amount of

's.!@@@@, 's.91@@@ and 's.1@@@@ respectively in Sarvodya

T8 center. t the time of using the T8 and if customer

press the wrong password at three time, customer cannot get

card return because T8 card gone into machine.

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1is3a9 +00o3nt Ter#ina9 a0ine 1+T;: -AT machine is important part of the bank because

AT machine make smooth activity of the bank. AT

machine perform good role when member has to need to

know his account and statement at that time without any

difficulty member can operate AT machine, with easily

and we can know about his account and statement, without

asking to bank employee.


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"ersona9 Co#p3ter: -The Sarvodya bank is totally computeri=ed bank, in

this bank each employee having one personal computer.

"ersona9 "rinter: -In the Sarvodya bank every department having one

personal printer. Printer is necessary part of the bank

because printer is used in typing cancellation letter and

writing the letter to other department or bank and it is also

useful to put entry in passbook.

OT,R .+CI4IT6 O. T, B+N7:

Deposit: -:or accepting the deposit, the bank has got different

plan in which many plan are not running only few plan are

running which are

:i%ed deposit /minimum 's.!@@@0

Sarvodya Shree idhi parivar Saving Plan /'ecurring0

Sarvodya Bank Aikas Patra /double for "" month0

olden monthly income plan

uto renewal deposit

:le%i deposit /new0 /8inimum 's.!@@@@0

ow at this present time above facility are running in Sarvodya

Sahakari Bank ?imited.

Salayana /'s.!@@F>@ months0

Si% years cash certificate plan

!@ years cash certificate plan

-alp)Ariksha deposit /for ?I(0

!#


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Dushabdi certificate plan /for shareholder0

Plantium plan /multiply of 9.1G in $1 month0

==ad Suvarna Aarsh certificate plan /multiply of ;G in ""

month0

:i%ed deposit /short)term0

:le%i deposit scheme /old0

(ompound deposit

t this present time above facility are not running in the Sarvodya

bank.

+d!an0es: -:or the personal use of person2s different plan has been

made by bank which are given below7

/!0 old ?oan

/90 Personal ?oan

/;0 ypothecation ?oan

/#0 :i%ed Deposit loan

/10 (ash (redit F &verdraft

/>0 ousing ?oan for staff

/$0 *ducation loan

/E0 SwaroCgar ?oan

/"0 (ash Purchase (um (redit Sale

/!@0 T+:S ?oan

/!!0 ousing ?oan

/!90 dvances in favor of share

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DT+I4 +CTI1IT6 O. B+N7

D"+RTNT

Sa!ing +00o3nt Depart#ent: -

Saving ccount means the bank with a view to encourage the

people2s habit of saving. In saving account, bank accepts saving deposit

from middle and low income group people, who wish to save a part of

their earnings. The people, who have fear of thrift, open the savings bank

account. &ther people like students, salaries class, and small businessman

also open this type of account.


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The difference between these two types of account is7

In che3ue saving account, person does not have to come at the

bank to withdrawn money. But in the che3ue saving account person has

to keep minimum balance of 's.!@@@. Person can)withdrawn money by

the che3ue.


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banking hours, a customer is allowed to deposit or withdraw money. Aery

nominal charges are taken on current account for e%penses incurred in

maintaining such account by the bank.

It is only through this account that a customer can collect local or

out station che3ues, bills and other bank instrument. ormally these

collections cannot be made through the savings bank account.

To open current account a formal application form is given to a

customer to fill it and hand over to the bank. The application form should

enclose the contractual obligations that are to be met by banker and

customer.

C9earing Depart#ent: -

(learing means transfer the amount of che3ue from bank of which

have in che3ue into account of party whose party name have been written

in che3ue.

In short clearing means transfer the amount of che3ue is not of a

bank where the che3ue is submitted but. It is other bank2s che3ue.


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account number and amount of che3ue is installed in machine. The

timing of clearing department in the Sarvodya bank is !! a.m. to 9 p.m.

before # p.m. print out is taken out from the machine. ccount holder

write inde% number behind the che3ue and that number is written with a

Coint che3ue on a credit voucher. Through done at this way it will help to

do summary report as a bank wise, account number wise. There are two

copy taken out by machine one copy is sent to /8I('0 clearing house

and we have another copy of it. fter all the che3ue has been send to

/8I('0 clearing house with a summary sheet of bank list. In the clearing

house list of bank is send to each bank, which is the member in the

clearing house, after it all che3ue are distributed to department of the

name of the bank, this procedure is recogni=ed with the name of 4outward

clearing 4. In the outward clearing customer account are credited.

%; Inward C9earing: -

The inward clearing procedure is started after che3ue distributed to

all the banks department. Peon of the banks which banks are member in

clearing house are return back to his bank with his bank che3ue from the

clearing house. fter it the banker check the all the detail which written

in the che3ue. If there is no any mistake in the che3ue it should be passed

ahead, otherwise it returned. This time that persons account should be

debited and clearing house should credit amount of the banks. In inward

clearing when che3ue comes in the bank, it can be shorted according tosaving account, clearing account, order or bears dividend warrant and

return che3ue etc. and after filling the all information of each che3ue in

the machine, print out is taken on a computer.

In short outward clearing means all the che3ue sends in clearing

house and inward clearing means che3ue received from the clearing

house which che3ue send to the out bank clearing though other bank.

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recogni=e with the name of 4time5 deposits or 4term deposit5. In the

fi%ed deposits customer cannot be allowed to withdrawn the mount

before specified period of time and when he desires, so the banker also

does not keep more cash reserve against it. If customer has to more need

of money, he can take loan against fi%ed deposit for this he has to pay

!G interest more than interest rate on fi%ed deposit.

To opening fi


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The Sarvodaya Sahakari Bank ?td.

Interest rate of @!F@9F9@@9 onward /Decided by the board0

?& TP* 'T*

&:

IT*'*

T

'BT

*

*T

'T*

)old loan !1G I? !1.1G

)Personal !1G 9G !;G

).P.?oan

/!0stock K machinery

/90vehicle K consumer K furniture

!.up to 's.#@@@@

9.above 's.#@@@@

!1G

!#.1G

!1G

9G

9G

9G

!;G

!9.1G

!;G

):.D.?oan

/!0?oan Fod against banks :D'

/:i%ed deposit rashid0

In case of third party :D'

/Deposit

/Deposit

'ate

'ateL;

Gor

L!G0

!;Gwhic

h ever is

higher0

/90?oan Fod against

S(F-APF+TIF'BI B&D

!.upto 9@G of face value

9.Incase of non)cumulative 'BIbond

upto 1@G of face value

!!.1G

!!.1G

)

)

!!.1G

!!.1G

/;0?oan against ?I( Policy

!.upto "@G of surrander value

/ssignable life police only0

9.1!G to$@G of surrander value

/ssignable investment policy0

!!.1G

!!.1G

)

)

!!.1G

!!.1G

/#0?oan against share !1G ) !1G

)(ash (redit

/!0gainst stock K book)debt

/90gainst property/;0gainst personal guarantee

!1G

!1G!1G

)

))

!1G

!1G!1G

99


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)Property mortgage loan !1G ) !1G

)SwaroCgar loan !1G ) !1G

)(P(S. ?imit

/!0upto #1 days

/90#> days to "@ days/;0bove "@ days

!1G

!#G

!>G9#G

)

)

)))

!1G

!#G

!>G9#G

)T+:S ?oan !1G 9G !;G

)ousing ?oan

/!0'epayment up to >@ months

!.upto 's.9@@@@@

9.above 's.9@@@@@

/90'epayment above >@ months

!.upto 's.9@@@@@

9.above 's.9@@@@@

!#G

!#.1G

!1G

!1.1G

9G

9G

9G

9G

!9G

!9.1G

!;G

!;.1G

$; 5o9d 4oan: -

The bank gives gold loan to customers or people on pledge of

ornament of gold. :irst guessing the value of ornament by the goldsmith

of bank. nd bank grant the #@ to 1@G loan on valuation of ornament of

gold. enerally this loan is given for two years and after two years

customer will have to return this loan with !1G interest. There are on any

rebut provide by bank on gold loan.

%; "ersona9 9oan: -

Personal loan advances granted to salaried employees against

personal security called as personal loan.

Purpose of Personal loan7

/a0 :or social activities

/b0 :or ouse repairing and

/c0 :or 8edical *%penses

:or personal loan bank provide up to 's.9@@@@ and on which

borrower /party0 has to pay interest at !1G. If party /borrower0 return

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personal loan with interest in ;@ to ;> month. Bank provide 9G rebate on

it to borrower.

properly filled application form and documents are to be

submitted by the borrower.

/a0 Proof of residence light bill

/b0 Proof of income or salary

/c0 ?etter of dedication of installment from the salary

/d0 Proof of property M income ta% bill

/e0 Signature of bank director for introduction

/f0 Photograph of the applications as well as the

guarantors are re3uired

(; ,ypote0ation 4oan: -

These types of loan given for stock, machinery, vehicle and

furniture.

/a0. gainst Plant K 8achinery7 )

Bank provides the hypothecation loan to buy new machinery

for business development and also grant loan against old

machinery. Bank grant loan up to $1G face value of bill of new

machinery but bank does not pay this amount to borrower, bank

make payment directly to supplier after getting necessary margin

from borrower. Bank also grant loan for old machinery up to 1@Gof valuation for the professions purpose.

/b0. gainst Stock7 )

Bank provide hypothecation loan for short)term period to

buy raw material for trade business.

/c0. gainst Aehicle K :urniture7 )

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Bank grant hypothecation loan to purchase vehicle,

T.A., fra=e, furniture, domestic tools etc. Bank makes payment to

directly to dealer.

To take hypothecation loan borrower has to submit

same necessary document like7

- Proof of residence

- Photograph of applicants as well as the

guarantors

- &nly filled application form with fully detail

- (opy of driving license

- Nuotation of Aehicle, T.A., free=e, furniture

- Permanent account no. &f borrower

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The customer as per his fungible or security can take a loan up to that

specified limit. The customer can withdraw money from his account,

which is called cash credit account.

O!erdraft:

&verdraft means customer can withdraw more amount than the

amount credited in his account. This type of advances given to the

creditable customer for the purpose of business and good stock purchases

for a small period of time. &verdraft is only given to current account

holder against fi%ed deposit receipts, S(, -AP, share certificates, ?I(

policy, government security and against assets. Bank may charges on

such advances at the rate !1G interest.

*; "roperty #ortgage 9oan: -

The bank provides property mortgage loan for the development or

e%pansion of the business. &n such advance bank may charges at the rate

of !1G interest. This loan allowed only for >@ month. :or property

mortgage loan borrower has to submitted the necessary documents such

as

- Signature of bank directors for introduction- Photograph of borrower and guarantors

- Proof of residence

- ProCect report

- ?icense of business

- Profit and loss account, capital account, provisional

balance sheet of borrower from ;!);)9@@!

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- ?ast two years income ta% return papers of borrowers

and guarantors

-

@; SwaroAgar 4oan: -

Swa means him self and roCgar means employment. SwaroCgar

loans given to self)employed persons for e%pansion to their business.

Aarious self)employed people like engineers, doctors, (.., shopkeepers,

ta%i drivers, rickshaw driver can get such loan to start their profession,

practice and to purchase e3uipment etc. &n such loan bank charge at rate

!1G interest and there is no any rebate on such loan. The bank grant loan

up to >@G to $@G at the total amount re3uired for starting a new

business. Borrowers can be allowed ;@ months on this loan after it

borrower will has to repay loan amount with interest.

The following criteria re3uired for taking loan from the bank.

- Signature of director for introduction

- 8inimum 9 sureties are compulsory with their background- Borrowers background

'; Cas "3r0ase C3# Credit Sa9es: -

This loan is given in the form of cash credit. The cash purchase

cum credit sale arrangement by which banker allows his customer to

borrow money up to a certain limit against their bond of credit by one ormore sureties or against security. The bank charge on such advance at the

rate of !#G /for up to #1 days0, !>G /for #> to "@ days0, and 9#G /for

above "@ days0 respectively. If there is any default in collection or

payment interest should be charged 9#G for the period of default.

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Indian government has issued te%tile upgradation fund scheme

from !)#)!""" for te%tile industry. +nder this proCect government has

distributed subsidy of 's.91@ million. This type of the loan is given for

purchase new or secondary te%tile machinery, bank grant loan up to E@G

face value of bill of te%tile machinery. In this scheme borrows get subsidy

decided by the government. &n such loan bank may charge at the rate of

!1G interests and bank also provide 9G rebate, if borrower repay loan

amount timely with interest.

$); ,o3sing 4oan: -

This loan provide for construction, additions, alteration, repair of

the house etc. in the form of long)term period. Bank charge !#G for

up to 's.9@@@@@ and !#.1G for above 's.9@@@@@ duration of repayment

up to >@ months and for the duration of repayment above >@ month bank

charge !1G for up to 's.9@@@@@ and !1.1G for above 's.9@@@@@

respectively. If borrower repay loan amount with interest, get 9G rebate

by bank.

The following criteria re3uire for housing loan7

- Background of borrowers

- 8inimum two sureties are compulsory with their background

- 'ecommendation of board of directors

Token Depart#ent: -


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ear irabaug,

Aarachha 'oad,

Surat);"1 @@>

's.!1@@@ Date7

)91F@>F9@@;

Three months after date pay to -hodi 'akesh or order the sum of

fifteen thousand rupees for value received.

To ccepted SD

'amesh 'akesh Signature

.eat3res of i99 of e


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- The payment order must be for certain amount

Ce3e: -

4(he3ue is one types of bill of barter which is writing on decided

banker and which is payable on the demand5

4ccording to lords chorlena, che3ue is writing document which

by customer can pay money from bank account. This type of document

force to bank pay the money to other person from account of che3ue

maker.5

The Sarvodya bank totally depend on che3ue system many

transaction done through che3ue like outward bill collection or inward

bill collection.

.eat3res: -

- It must be written

- It must bear the signature of maker- It must be unconditional

- It must be ordered, not re3uest

- The payment order must be for a specific sum of the money

- It must be paid to specific person

Specimen of (he3ue formDate7 )

Pay to or bearer

'upees

Saving ccount o.

T* S'A&D S-'I B- ?I8IT*D

8ain branch, Surat) ;"1 @@>.

;!


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(ode o.

Re0o!ery and Dayook Depart#ent: -

Dayook depart#ent: -

In the daybook department prepared the general ledger, profit and

loss account of day to day transaction and at the last date of the month

prepared the balance sheet of transaction make during a month. So

through this bank know how many cash comes in and goes out. Through

general ledger, profit and loss account and balance sheet bank know their

present condition and also know their capital ade3uacy and li3uidity

ration.

Re0o!ery depart#ent: -

:irst recovery department banker collects all the loan information

like hypothecation loan, gold loan, housing loan, fi%ed deposit loan etc.

the gives the different code number according to area wise. Banker can

get the list at none payment loan amount at particular area by that code

number. So through this banker can do recovery work easily and speedy

and avoiding the problem of go different plan. The work of recovery

department start when the customer payment date is over due then bank

takes following action like7

- Inform to party by letter- Inform to party by telephone

- Bank gives the notice to borrower

- (onnect at home

- 8ake the threat of legal action

- If there is no any response from borrowers then bank claim

in the court on borrowers.

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"RSON+4 +N+5NT

Personal management provides guideline to identify the

organi=ation, intention in re3uirement, selection, promotion,

development, compensation and organi=ation, leading and directing.

In the other words, 4Personal management means it is the process

of attracting, holding and motivating people involving all managers line

and staff5.

Re3ire#ent and Se9e0tion: -

eaning of Re3ire#ent and Se9e0tion: -

'e3uirement is generating of application or applicants for specific

positions through three common sources i.e., dvertisement, state

employment e%change agencies and present employees.

Selection is the process of difference between appliances in order

to identify. Those with a greater likely would of success in a Cob.

In the Sarvodya Sahakari bank re3uirement and selection is done

by first pool of 3ualified Cob applicants by putting the advertisement in

news paper and local channel then test knowledge at applicants by

making interview and also test his physical fitness, background and

reference. :inally offer the Cob to applicants by board of directors, If

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applicants success in pass all the phase done by bank. ow this all the

procedure is re3uired when there is any vacancy in the organi=ation. But

Sarvodya Sahakari bank take too much use of this way for selection. The

most of part of employee section from inside the organi=ation. Because

Sarvodya Sahakari bank understands the rationali=ation. Therefore there

is no need to recruit or select more employees from outside the

organi=ation.

Training: -

The Sarvodya Sahakari bank is a one type of servicing

organi=ation. In every business, institute industry and service

organi=ation training is given to new selected employee to develop

knowledge, attitude or social behavior. :or this bank makes training

programme for every new employee. In the Sarvodya bank training is

compulsory for ; year to new employee. During this three year salary

must be running and after three)year new employee become permanent in

the bank. The bank has their own branch for providing training about all

departments at the bank. During new employee training seminar

employee taught him about bank activity and also prepared for to do and

handle the activity the work.

"ro#otion: -

In the Sarvodya Sahakari bank promotion is given a basis ofseniorityFe%perience and good efficiency. In the bank promotion must be

given when need to fill vacancy and open a new branch.

Transfer: -

In the bank transfer must be given to employee, after #,> and E

month from one department to other department or one branch to other

branch. So that he can able to handle every department of bank.

8ages and Sa9ary depart#ent: -

;#


35/51


36/51

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37/51

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38/51

:und

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b.Ten early

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39/51

tificate

E.=adi Suvarna

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Deposit

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40/51

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41/51

$E&%E?'E'@E&?$G%' $E&%E?'E'@E&?$G%'

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42/51

tion

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advertise

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premium

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3uake relief funds

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loan account

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9.8islleneouse%p.

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member fee

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insurance premium

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[email protected]

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#9


43/51

!!.8ember fee

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ovt. security

purchase

5ross "rofit

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debt

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Net profit

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R+TIOS +N+46SIS : -

ow The ratios calculation of The Sarvodaya Sahkari Bank

?td. as on ;!st8arch, 9@@; are as under 7

(urrent ssets K (urrent ?iabilities as per the record of

Sarvodaya Sahkari Bank2s Balance sheet is given below.

#;


44/51


45/51

(+''*T

'TI

& /G0

$&% )?( $)@

(urrent ssets

(+''*T 'TI& ))))))))))))))))))))))

(urrent ?iability

:&' 9@@; 77)

!,;",E@,E;,E#E

!,$9,$",";,;9# !.@$ 7 !

(urrent ssets M Stock M Prepaid e%penses

/90?i3uid 'atio

(urrent ?iability M B.&.D

!,;",E@,E;,E#E ) >,@>,@E9 M #,1#,@@@

:or 9@@;

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Total ssets

!$.E@!/crore0

1@.>@"/crore0

@.;17!

Total ?ong Term Debt

/#0Debt *3uity 'atio

Share holder :und

!."@"/crore0

#1


46/51

!$.E@!/crore0

@.!!7!

:i%ed interest F Dividend bearing fund

/10(apital earing 'atio

*3uity share capital

!."@"/crore0

9.$@E/crore0

@.$@7!

?ong term fund

/>0?ong term fund to :i%ed assets 'atio

:i%ed assets

!."@"/crore0

#.!$;/crore0

@.#>7!

et profit

/$0'eturn on *3uity 'atio !@@

Total e3uity capital

!.#;1/crore0 !@@

!>."1#/crore0

E.#>G

Total dividend to e3uity share holder

/E0Dividend pay out 'atio !@@

Total net profit available to e3uity

share holder

#>


47/51

@.#@@/crore0

!@@

!.#;>/crore0

9$.E>G

S8OT +na9ysis

The full form of S


48/51

- T8, AT and cash counting machine facility provided by the

Sarvodya Sahakari bank

#E


49/51

%; 8eakness: -

The growth and performance of Sarvodya Sahakari bank has

been increasing years by year since ;@)1)!"E9 and also the

working of the bank is better. So there is no any weakness of

Sarvodya Sahakari bank.

(; Opport3nities: -

The Sarvodya Sahakari Bank can e%pand its service and

facility like credit card and T8 for Surat locality through this

facility more customers are attract toward bank. So it will be happy

much helpful to both customer and bank. It can also establish its

branches in industrial area of city like katargam, nana varachha,

sachin etc. The Sarvodya Sahakari Bank has a gold opportunity of

future growth because at in the present time so much awareness

about this bank in people.

>; Treats: -

Bank has to face7

- So much competition in present time

- Strike in the industry, business due to government ta% and due toviolence done at ant place in the country

- Threat about the low speed of the recovery loans.

#"


50/51


51/51

BIB4IO5R+",6

Banking law and Practice )PankaC ' andhi

nnual 'eport K Balance Sheet )Sarvodya Sahakari Bank ?td.

?aws K practices relating to banking )The Indian Institute of Bankers

(o)operative Banks Diary/+(B:0

sarvodaya bank

Documents