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    Winter InternshipReport Presentation

    at

    Chittorgarh Central Cooperative Bank Ltd

    Submitted To:- Submitted By:-

    Pro! "llas P!Ramakrishnan #yushi $%ha

    &'S-IR' P()'-B'

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    TITL* $& T+* PR$,*CT

    Comparison

    $

    &inan.ial Produ.ts o

    Banks /ith

    The Chittorgarh Central Cooperative Bank

    Ltd!0

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    &L$W $& PR*S*1T#TI$1

    Introdu.tion o .ooperative bank

    Company proile

    Resear.h methodology

    &indings

    Suggestions

    Bibliography

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    Introdu.tion o .ooperative bank

    A co-operative bank is a financial entity which belongs to its

    members, who are at the same time the owners and the

    customers of their bank. Co-operative banks are often created

    by persons belonging to the same local or professional

    community or sharing a common interest. Co-operative banks

    generally provide their members with a wide range of banking

    and financial services (loans, deposits, banking accounts). A

    bank that holds deposits makes loans and provides other

    financial services to cooperatives and member-ownedorganizations also known as anks for Cooperatives.

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    Company proile

    Chittorgarh Central Cooperative ank was !stablished "

    registered on #anuary $%, $&%&

    ank started its 'ourney with $ branch " today have a span

    of $ branches.

    C2SB 'ISSI$1 heir mission is to become a strong and competitive

    Cooperative anking *etwork, which offers innovative

    financial products along with varied range of services toserve rural masses with cooperative credit structure

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    PRI$RITI*S

    o issue +isan Credit Card to all eligible farmers.

    o start AAA based services for the customers.

    Computerization of /AC0.

    o release farmers from the clutches of moneylenders by

    providing cheaper and timely 1nstitutional credit.

    o promote 2armer3s Club " 04s ensuring credit linkage of

    ma5imum number of 04s " special efforts for women

    04s.

    o bring technological changes in the 0hort-erm

    Cooperative Credit 0tructure.

    o e5pand business through 6 new branches in untouched

    area.

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    $B,*CTI3* $& ST")4

    he 0tudy was conducted to get an insight about

    2inancial /roduct 0ervices offered by various banks and

    give an unbiased opinion about C+03s standing and

    suggest ways to improve the position.

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    )*T#ILS $& WI1T*R I1T*R1S+IP

    71*! 1*!*01/ /8#!C 7A0 191! 1*8 78

    /A0!0

    5stPhase

    Comparative analysis o dierent Banking produ.ts

    6ndphase

    Consumer &eedba.k analysis by observation and personal

    intervie/

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    C$'P#R#TI3*

    )#T#

    #1#L4SIS

    $&

    B#12I1( PR$)"CTS

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    )#T# C$LL*CTI$1:

    uring my data collection, data was collected:-

    2rom anks

    2rom anks 7ebsite

    2our anks were selected 01, 0#, 8,

    2C

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    C$'P#RISI$1 $& S#3I1( #CC$"1TC2SB

    0ingle type of saving a;c

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    C$'P#RIS$1 $& C"RR*1T #CC$"1T

    C2SB

    ???

    8nly local che@ue book are

    given

    0top payment charges

    applicable

    C$'P*TI3* B#12

    igh opening

    charge -$????

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    C$'P#RISI$1 $& B#12I1( CILITI*S

    C2SB

    9arious banking facilities not

    available like

    A=

    ebit " Credit card

    /hone anking

    Check balance through 0=0 0weep in facility

    C$'P*TI3* B#12

    9arious banking facilities

    available like

    A=

    ebit " Credit card

    *et anking

    /hone anking Check balance through

    0=0

    0weep in facility

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    C$'P#RIS$1 $& L$#1

    C2SB

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    Lo/ interest Rate then any

    other bank generally it is

    7!87 or 5 9 appro! lo/

    In some loan lo/pro.essing ees like

    +ome loan s.$??(fi5ed)

    'ortgage Loan?.%?B of

    loan amount

    +igh interest rate

    01 - $>.6%B

    2C ank- $B

    8 -$>.6%B

    In some loan high pro.essing

    ees .omparison C2SB bank

    +ome Loan

    0# ank- ?.D?B of loan

    amount

    'ortgage Loan0# and 2C ank-$.$%B

    " 6 B respectively on loan

    amount.

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    C$1S"'*R &**)B#C2 #1#L4SIS

    uring my data collection, data was collected from:- 9isitor

    ank customer

    0hopkeeper

    y observation and personal interview , find out various strength

    and weakness of C+0.

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    '#,$R &I1)I1( $& T+* PR$,*CT

    1t was found that the banks with most A=s have gained

    priorities in the minds of the customers.

    ifferent bank have different schemes for different age

    groups. 0ome banks are giving privilege to senior citizens,

    while others to child group etc. ut C+0 have not any

    such schemes targeted to different age group.

    he study has shown that the customers want better branch

    network so that they can operate their account from

    different city also.

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    Cont;

    he study has shown that since different bank are

    providing different facilities to different type of retailbanking products so in lieu of better facilities customer

    have different account in different banks.

    he study has shown that many people don3t want toopen account in Chittorgarh central Cooperative bank

    because they think that the services like A=s, /hone-

    banking, internet banking etc. not provided by these

    banks.

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    R*C$''*1)#TI$1S < S"((*STI$1S

    Advertising is not appropriate, as many people are not

    aware of C+0. herefore oarding and oards should be

    displayed at various prime location in the city.

    imely payment of salary and /romotion of employees will

    boost their morale.

    All the complaints of Customer should be deal in proper

    manner because it is the customer who will give good or

    bad mouth about bank services.

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    Cont;

    *on maintenance " other charges which are very high ascompared to other anks should be reduced.

    !5isting customer should always be informed about the

    new product. egular connected with customer.

    /roblem faced by account manager during opening the

    account should be forwarded to deputy manager by

    branch manager. his will help to sort out all the

    problems.

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    Cont; /roper training of ank staff to give impressive

    presentation.

    /roper Co ordination between =arketing and 8peration

    need to be developed.

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    BIBLI$(R#P+4

    Books

    Management of urban Co-operative Bankby Dr. Partho P pratim R

    Commercial Banking of IndiaWebsites

    www.nabard.org

    www.rbi.org www.bankerindia.com www.ccbchittor.com

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