FINDINGS

 Most of the respondents were male i.e., 58% and 42% were females.
 The study revealed that 37% respondents takes loans having age between 40 & 50 and
33% respondents are in the age group above 50.
 The study revealed that 42% of the respondents have graduation
 50% of the respondents are included in other occupations other than agriculture, self-
employed, NRI, government employee.
 The study shows that 52% of the respondents have annual income in between 1-3 lakh.
 Majority of the respondents(35%) were taken housing loan from this bank, 20%were
taken vehicle loans.
 Most of the respondents(42%) takes loan for the amount between 1-5 lakh.
 Majority of respondents(55%) takes loan for the first time from this bank.
 The study revealed that 57% of the respondents provide land paper as the security against
loans.
 Less paperwork is the main attractive element makes people to avail loan from this bank
and interest rate also included as another element.
 100% respondents says that the loan officers explain the terms & conditions of loan while
applying the loan.
 83% of the respondents says that the loan amount they borrowed are sufficient to meet
their needs.
 The study revealed that 62% of the respondents are satisfied with the interest rate of this
bank.
 Majority of respondents says that they do not get any interest discount while repaying the
loan.
 60% of the respondents take loans for 5and below 5 years.
 90% of the respondents prefer monthly pattern to repay the interest and loan amount.
 80% of the respondents do not made any default in repaying the loan in correct time.
 The study shows that 60% of the respondents fully repaid the loan they have taken.
 Majority of the respondents (57%) says that the district cooperative bank provides loan at
low interest rate as compared to other banks.
 52% respondents got information about loans from other persons such as friends,
relatives, neighbours etc. and 30% got information from bank itself.
 The study revealed that 75% of the respondents rate the loan provided by DCCB as
excellent.
 Majority of the respondents says that the bank takes more than 2 months for processing
the loan.
 70% of the respondents recommend the loan facilities of this bank to other persons.
 Majority of the respondents are satisfied with the services provided by the bank.

SUGGESTIONS

 The bank should adopt the modern methods of banking like internet banking,
credit cards, ATM etc.
 The Bank should plan to introduce new schemes for attracting new generation
customers and satisfying the present ones.
  Steps will take to mass advertisement for bank’s loan product to the general
public
 The bank should improve the level of customer service to a better extent.
 The bank has to maintain strong relationship with the clients and conduct
recovery camps for the effective recovery of loans.
 Proper supervision over the end of loan is required to make sure credit
delinquencies. Supervision should make sure that the loans and advances are used
only for the purpose of which they have been obtained.
 The bank take steps to provide training and awareness program to the clients
regarding the better utilization and prompt repayment of the loans.
 Relevant steps or necessary action should take even when the first installment or
interest is defaulted by the borrower.

CONCLUSION

Banks mainly make profit from the difference of interest received and loans paid. Nowadays
banks are performing the number of functions in addition to its two main functions lending and
accepting deposits. Banks grant loans in order to satisfy the growing credit needs of the different
sections of the society.

Loans can be described as a financial assistance from an institution or an individual,

with excess money, to an institution/business or an individual with limited money. Loans are
facilitated by banks and other financial institutions for the purpose of accumulating interest.
People avail loan with an objective to satisfy their immediate needs, with a promise/contract of
repayment, over a period of time. Loans are granted to meet short term, medium term and long
term needs against collateral securities etc. and loans are the promises for future payment, and
they have to be repaid in periods beyond a year and are therefore long-term liabilities.

Cooperative banks in India play an essential role in the economic development of the
nation. They are providing timely assistance to rural people by way of giving loans and other
services to agrarian at low rate of interest, and thereby relieve them from the clutches of the
money lenders. The bank provides many types of loans to primary agriculture credit societies and
general public as short term, medium term and long term loans. It includes housing loans, vehicle
loans, education loans, personal loans, agriculture loans etc. From the study it is revealed that
there is a fluctuating trend in loans of the bank and most of the people are satisfied with the loans
and services of district cooperative bank.