deposits and lending of money. But now a modern banker under take wide
variety of functions to assist their customers without op-rations the social and
relationship between the items of Balance sheet and Profit and Loss Account.
Research Proposal:
The aim need for the organization study is to make the students
acquainted with the practical knowledge about the overall functioning of the
It gives opportunity to study the human behavior and also makes one
ready to face different situation which normally would come across while
about the various policies of the organization and its performance and its
future strategies.
They are formed all over the world. It is voluntary association of person for
mutual benefit and its aim are accomplished of through self help and
collective efforts.
Co-operative organization is mutual help i.e. each for all and all
for each. Thus poor formers may form co-operative credit societies to get
less man in association with others can lift himself as well others out of
weakness into strength co-operative ( i.e. work together) for working out
Working capital is life blood of business and nerve center for all business
Each and every report has got its own objectives to be reached. The
statement of the problem in the given report is, analyzing the statements and
drawing some interpretation from the results. In the field of business world,
that profits can be yielded to the highest extent. Once we analyze the
can be drawn, if the analyst does not analyze the data. Analysis is an art that
base for us to understand that strong the banks are financially . Every analyst
naturally starts taking some preventive actions once he/she identifies some
deviations in the system. But this is not correct and hence we should be
2) Balance sheet
To measure some financial trends and their relative impact on the results.
a whole.
It helps to understand the profit & Loss and its impact on the Bank.
Primary data: The project report of this kind will really need first
been used as a reference for the study. Banking magazines and prospects
have also been used for the study. The following are the secondary
sources:
the study. The project report covers different financial aspects and its impact
how analysis should be done and compared and how to draw some
Time constraint
conclusions.
Syndicate bank all 2014 braches are computerized extending accurate and prompt
services
semi urban areas thereby encourage rural savings and mobilize those
country.
banks.
The Mission articulated for each of the functional area of the Bank is
highlighted below:
Rs.180 crore with a commission income of Rs.20 crore, a credit card base of
1 lakh that brings in net earnings of a minimum of Rs.3.50 crore and a debit
THEORTICAL ASPECTS
Introduction:
Working capital in simple terms is the amount of funds, which a company, must have to
finance its day-to-day operation, it can be regarded as part/portion of capital, which is,
1. Fixed Capital.
2. Working Capital
The amount invested in the assets like Plant and Machinery, Building, Furniture etc,
blocked on permanent basis and is called Fixed Capital Organization not only requires
Fixed Capital, but also need of fund to meet day to day operations for short term purpose,
A Study of Working Capital is of major part of the external and internal analysis because
of its close relationship with the current day to day operation of business. Working
Capital consists broadly for that position/the assets of a business that are used at related
current operations and is represented by raw materials, stores, work in process and
Genestenberg: -
“ Working Capital means Current Assets of a company that are changed in the ordinary
course of business, from one to another, for ex, from cash to inventories, inventories to
“ Working capital refers to a term investment in short term assets cash, short term
J. Smith: -
“ The Sum of the current assets is the working capital of the business.”
A. Current Assets
B. Current Liabilities
A. Current Assets
although such assets does continue for long in the same form.
received.
with customers.
Prepaid Expenses.
shares.
Expenses Payable.
Unclaimed Dividend.
Security Deposits.
Dealers Deposits.
expenses.
management.
its significance is enhanced in cases of small firms. A small firm has more
investment in current assets than fixed assets and therefore current assets
The working capital needs increase as the firm grows. As sales grow,
the firm needs to invest more in debtors and inventories. The finance
finance a part of its permanent current assets with short-term funds. On the
other hand, a conservative firm will finance its permanent assets and also a
This refers to the firm’s investment in current assets. Current Assets are
the assets which can be converted into cash within a short period say, an
accounting year. Current assets include cash, debtors, and bill receivable,
company must have enough cash fund to meet its obligations. The need for
the circulation of the capital from the cash inventories to account receivable
cash balance on hand and at bank, adequate stock of raw materials and
It refers to the past of the Working Capital that changes with the
different and hence the amount of working capital varies with seasons. The
have neither too much not too of little working capital. The working capital
however, affect different enterprise differently. They also vary from time to
utilities have certain features which have a bearing on their working capital
have, financial enterprise. The nature of their business is such that they
2. Production Cycle
Another factors which have a bearing on the quantum of working capital is
the time involved in the man of finished goods. Funds have to be necessarily
capital. In other words, there is some time gap before raw material becomes finished
goods. To sustain such activities the need for working capital is obvious. The longer the
time span (i.e. Production Cycle), the larger will be the tied up fund and, therefore, the
The study has been undertaken in the organization for the purpose to
University Dharwad.
project report has not been submitted by any one to the Karnataka University
Dharwad.
The present work is original and conclusion drawn are based on data
collected by me. And I have tried to put all the possible efforts to make this
study a success.
Acknowledgment
JYOTI BIRADAR madam & HOD of SIBA B.B.A. who guided and
the project.
SOCIETY
principle.
H. calvert
to form as association.
members and not for earning maximum profits. “service, not profit”.
society, are not distributed as dividend among the members. A small portion
as exemption from the payment of income tax, stamp duty and registration.
member who are bound together bound by a common bound ( i.e. belonging
Rules & condition for the persons who want be members and other
liabilities.
B) Financial year of the bank start from April 1st of every year and end on
31st march.
D) Five copy of the rules and regulation of the co-operative society should
E) If all the application of the group are male then there number should be
F) All the applicant should be having more then 18 years age & all applicant
group & represent all of them & he should be given all the rights of signing.
law.
President
Vice president
Secretary
Treasurer
The general body of the members lays down the broad objectives and
members.
The office bearers are responsible for the conduct of the day-to-day
committee.
5) It does not aim profit; it tried to render maximum service to its members.
HISTORY:
1912 April 22. in the years 1912 under the leadership of Late Vachana
pitamaha Rao Bahadur Dr. F.G Halakati ( B.A LLB) and in association of
Late Diwan Bahadur Shri S.G Deshmukh ( Almel ) under co-operative rules
for a small business, for the sake of poor and middle class people, with the
amount of Rs. 2500/- Share capital without any deposits started the business.
In the year 1932 with Rs 20,839 Share capital, Rs 16,821 reserved fund and
started working with rules. Late after analyzing the financial position and
the biggest bank. In the end of the year 31/03/09 bank contains Rs. 7.07
crore share, Rs 9.91 crore deposit and Rs. 251 crore working capital.
Functions:-
fund are given in the form of loan without any burden on the people
them.
Details of finance:-
Share capital:-
In the last 5 years the amount of share capital and the number of members
From the last 5 years the reserve fund and other funds details are as
follows
Years Amount
31/03/2005 236, 52, 77,214.91
31/03/2006 254, 55, 57,407.75
31/03/2007 216, 99, 81,701.48
31/03/2008 240, 81, 26,904.27
31/03/2009 250, 74, 37,705.73
Bank accepts regular, saving, pigmy and fixed deposits the details
of the deposits in the last 5 years as following. In the end of the 31/03/2005
& 31/03/2006 deposits gets supposed. In the end of last 3 years i.e. 31/03/07,
Years Amount
31/03/2005 2,10,90,70,260.65
31/03/2006 2,24,22,65,504.69
31/03/2007 1,85,02,61,329.29
31/03/2008 1,99,66,76,887.43
31/03/2009 2,08,54,52,346.55
6) Investments:-
7) Borrowings:-
gives more importance to those forms which are necessary / important and
then grant loans. The details of the loans provided in last 5 years
years Amount
31/03/2005 1,56,47,99,350.00
31/03/2006 1,39,01,76,619.00
31/03/2007 1,25,23,36,852.95
31/03/2008 1,00,00,76,639.83
31/03/2009 93,05.37,955.52
3168.83 lakhs & the total debts will be 34.05% last year its percentage was
is as under.
the bank should be maximum 9 from last 6 years the Ratio of the C.R.A.R
will be as follows
Year % age
31/03/2005 8.02
31/03/2006 4.47
31/03/2007 7.31
31/03/2008 10.69
31/03/2009 12.97
Auditing:-
Branching:
There are totally 11 main branches. In which one of the branch is in
indi town & the rest of 10 are situated in different areas of Bijapur. Main
branch of Bank are in K.C market, college campus, Jorapur peth, paschapur
peth, Hudco colony, and in Indi & Ashram Road, branches are having
security Blocks. In the Branch except Indi, other branches are gaining profit.
Computerized:-
To provide good service to the members of Bank, Depositors &
customers in main branch & other branches. And except D rest other work of