A SUMMER INTERNSHIP REPORT ONGeneral Banking & Cash Management Of THE KANGRA CENTRAL CO-OPERATIVE BANK LTD. Master of Business Administration Session : (2016-2018) SUBMITTED TO : SUBMITTED BY: HP Technical University NAME : Rahul HAMIRPUR (H.P) CLASS : MBA 3rd Sem Univ. Roll No. 1601028027 CERTIFICATE FROM BANK ii DECLARATION The report entitled “General Banking And Credit Management” is submitted to Gautam Institute Of Management & Technology is a original work done by me under the Supervision & Guidance of Mr. Jagdish Pal Sharma The internship report has been done in the partial fulfillment of the requirements for the Master Of Business Administration. This report has not been previously submitted in any form to any examination/institute/university or any. The information which I included here is true and in original as per my best knowledge and research, with taking possible references if any. Name – Rahul Univ. Roll No. 1601028027 Gautam Institute Of Management & Technology iii . First of all I would like to thank to the DR. Thanks to everyone who supporting and encouraging me to complete the internship report. I want to express my Gratitude to everyone who helped me to accomplish my intership. Secondly. Rahul . In addition I would like to thanks my Colleagues. Cashier Champa Devi. Clerk Rajender Gautam & Arvind Kumar for their devotion and thoroughness in supervising me during the internship.ASHOK BANSAL of MBA Department HOD of Gautam Institute of Management and Technology Hamirpur prviding me with usefull knowledge that can be applied on practical task at Kangra Central Co-operative Bank Ltd Branch Ladrour. They were not only my bosses but also my mentors. I am greatly indebted to our Branch Manager Jagdesh Pal Sharma. ACKNOWLEDGEMENT Writing this report after 45 days interning as an official staff in Kangra Central Co- operative Bank Ltd. I was thankful and lucky having an opportunity active friendly as well as challenging environment. iv . ) 19 History of KCC Bank 22 20 Commerce and .2 Objectives of Internship 14 13 General Objectives 14 Specific Objectives 15 1.4 Introduction Of Our 20 Organization ( KCC Bank Ltd.3 Brief Introduction Of 18 Banking Organization 16 Meanings and Definition Of Banking 17 Functions of Banking 18 1. No. Training Methodology 12 1. Chapters Particular Page No. 1 Cover Page 2 Approval Letter i 3 Certificate of Bank ii 4 Letter of Declaration iii 5 Acknowledgment iv 6 Executive Summary v 7 Table of Contents vi 8 List of Tables vii 9 Abbreviation viii 10 1st INTRODUCTION 11 1.1 Background of the 12 Report Overview Of the Report Duration Of Internship. TABLE OF CONTENTS Sr. Objectives 34 2. Work Assignment 43 33 Iii.5 Organization Structure 32 and Bank Profile 25 1. Weekly Practical Report 41 In Detail ( 1st -7th Week) 32 ii.2 Credit Department Work 31 I. 29 2.3 Learning of the Week 44 35 3rd Customers Service Department 36 3.1 Recommendations and Conclusion .6 SWOT Analysis of KCC Bank 26 27 2nd Weekly Practical 34 Report 28 2 Practical Work Structure.1 Introduction Practical 38 Work Activities 30 2. Management 22 Business & Deposits 28 Policies 23 Products and Services 30 of KCC Bank 24 1. 2 Overall Experience and Learning during the training 38 3.3 Recommendations 43 39 Conclusion 44 References And 45 Bibliography .37 3. 6.1 Loan Dept. Figure No. Activities 11 2.4.4.1 Bank Profile 6 1. LIST OF TABLE Sr No.2 Capital Structure 4 1. Table No.3 Financial Position 5 1.1 Duration of Internship in various Departments 2 1.6 SWOT Analysis .1.1.2 Cash Dept.3 Function of Banks 15 1.2.5.2.2.3 Cheues Collection Register 13 1.1 Sources of data Collection 14 1.4.5.1. Particulars Page no. Activities 12 2.1 Major Activities of Credit Department 10 2.2 Profile Of Branch Office 7 1. 1 1.1 Operation of KCC Bank 3 1.2 Balance Sheet 8 2 Practical Work Structure 9 2. KYC Know Your Customers LTFD Long Term Fixed Deposits N P A Non Performing Assets S S M E Small Scale & Medium Enterprises. KCC Kisan Credit Card. S S G Self Help Groups x . BOD Board of Directors CAP Credit Proposal CRR Cash Reserve Ratio. CSD Customer Service Department E – Banking Electronic Banking HP Hire Purchase HR Human Resources KCCB Kangra Central Co -Operative Bank Ltd. ABBREVIATION ATM Automated Teller Machine. CHAPTER 1 INTRODUCTION . 1 . one of the successful and emerging bank in the Himachal Pradesh. acknowledge my strengths/weakness that would be more helpful to shape up my career in the future. carried out in the organization. work environment. Hamirpur college for the internship program. The report add up the knowledge of how organization obtained the debt financing and what sort of provision and criteria are required to meet to different types loan facilities from the bank. the internship duration provided me with the opportunity to broaden my knowledge. Ashok Bansal. Hamirpur under Himachal Pradesh Technical University. I got a chance to work in the department about Gereral Banking & Credit Management Of Kangra Central Co-operative Bank Limited how is it perform all operations. Hamirpur (HP) The internee got the opportunities to work at KCC Bank Ltd. Thus.1 Background of the Report Internship program has become the bridge for those who want to enter to corporate level from the college life. The term I spent at Kangra Central Co-operative Bank Limited was more engaged with learning part through assignments. peering support. 12 . During my internship.1. The internee was under the direct supervision of Dr. through internship I got to know the real working environment that was very much different from my course study. All my experience helped me realize parts like grouping work. Head of Management Department at GIMT. Overview Of Report : This report entitled “ An Overview Of General Banking & Credit Department “ of The Kangra Central Co-operative Bank Ltd “ has been prepared as partial fulfillment of the requirement for the award of degree of Master of Business Administration under the MBA program of “ Gautam Institute of Management & Technology . 13 .1. internally and externally. what and where method & techniques are used to gather the data . Here. when. b. Primary Data : First time collected data. valuable and more meaningful. I observed the total banking process. In another word. Duration of Internship The Internship program endure for 45 days starting from 4July-17August 2017. analyzing and interpretation of facts and figure and providing solution of the problem. Informal Discussion.ii. Some time orally I have collected information which is not available. Direct Involvement in work. c. Data information and other necessary materials that are used to make this report complete and meaning full gathered from two sources. make the analysis and represent the collected data to draw up the report complete. Methodology is the process of collecting . information. Data and Information collection. And these can be gathered only personal experience Ways of Data Collection 1. Internee has spent 45 days period in the following departments : Table No. we mean how. Observation of Employees : Here primary data are collected through spending 45 days in the kcc bank during the working hour. No. 1.1 Duration of internship in Different Departments Sr. As a internee accumulated from primary data from a. Name Of Departments Time Period in days 1 Credit Department 10 2 Customer Service Department 12 3 Cash Department 12 4 Recovery Department 11 Training Methodology : By methodology. d. 14 . Collected information is processed by the use of computer system. In this regards internal sources : a.1 (Sources of Data Collection Of Prepare the Report ) SCOPE OF STUDY : The duration of the study was a very short span time. e.e. Primary Data Secondary Data Sampling Procedures and Research Design : I collected primary data by random sampling basis and my sample size is banking employees i. So I had to complete this study facing very much time pressure. c. 1.2. b. By using MS Excel and SPSS software to analyzed one year account opening data. 4. in a financial products . Bank Annual Report 2016. It consider only one Branch from all well known public and private banks. Secondary Data : The secondary data had been collected from the MIS of KCCB . This report are cover only Credit Department and General Banking Activities of The Kangra Central Co-operative bank Ltd. register book . Previous reports and journals relevant to banking industry. Books And Wikipedia Sources etc SOURCES OF DATA PRIMARY SECONDARY DATA DATA Fig. It was very much hard to complete a report as well as assigned task by the bank. To clarify different secondary sources such web site . Especially this report emphasis on the comparison of different bank interest rate and deposit schemes . 7 . Bank issues seminar papers etc. Instruction circulation of Head office.2017. 15 . currency exchange. Moreover. enthusiasm for a particular job and importantly has experience. To Analyze the lending process. V. III.2 Objectives of Internship Internship is become the key for students to get employment. Only one organization KCCB Ltd. Specific Objectives : a. a candidate who has spent time working for a particular industry shows. To get the real picture of professional life. Sometime data is not available. To study the efficiency of the management in present competitive banking market. Meaning of the Bank Bank is the lawful organization which accepts deposits that can be withdraw on demand. 1. The Objectives are internship highlighted as : General Objectives. Specific Objectives. c. e. Inexperience on practical to do so. To identify the types of loan and their importance of business.Limitation Of Study : I. Safe deposit. Not proper to perfectly represents on this task.3 Brief Introduction of the Banking Industry : I. IV. locker and vault facility. 1. To identify the role of loan department in bank. is taken into consideration. g. ii. f. To acquire that experience about the activities perform in the credit & Finance dept. d. an internship offers you practical knowledge of professional career. I internee have selected to do internship at KCC Bank one of the finest bank in Himachal Pradesh banking on the credit department. dedication to a particular career. II. I. b. General Objectives : To Qualify for the degree of Master of Business Administration. To acquire the knowledge about the document needed for obtaining loan. To get an employer. 5. Study is mostly secondary based data . pay interest. clear cheques act as an intermediary and make loan to individual and business those need it A part from this bank also provides financial services such as wealth management. These deposits can be different types such as : 6 I) Saving Deposits ii) Current Deposits iii) Fixed Deposits iv) Recurring Deposits. draft order or otherwise. Primary Functions : Accepting Deposits and Granting advance are the main primary function of the bank. The types of bank loans and advances are : I) Overdraft ii) Loans iii) Cash Credits iv) Discounting of Bills of Exchange. Granting of Loan and Advances : The bank advances loans to the business community and other members of the public.” II. 1. repayable on demand or otherwise or withdraw able by cheque. The difference in the interest rates ( lending rate and the deposit rate) is its profit. Accepting Deposits : The bank collects deposits from the public. The rate charged is higher than what pays on deposits. 2.. 16 .Definition of Banking : According to Bank Regulation Act Of India (1949) “ It defines banking as accepting. FUNCTIONS OF BANKS : A. for the purpose of lending or investment of deposit pf money the public. Functions of Banks SECONDARY PRIMARY FUNCTIONS FUNCTIONS ACCEPTING AGENCY DEPOSIT FUNCTION GRANTING UTILITY ADVANCESA FUNCTION 17 . also called as non banking functions. Iv ) Periodic Collection. 2.4 INTRODUCTION OF KCC BANK LTD The Kangra co-operative Bank Ltd started as very humble condition way as a small thrift/credit society in March 1960 by a few friends of Distt. Iv ) Dealing in Foreign Exchange. ii ) Locker and ATM Facility. current. V ) Project Reports. 1. such as : I ) Issue of Drafts . sincerity and honesty of those members brought rich fruit and this credit society grew up into a big society within 12 years after its formation and successful running was converted into primary urban cooperative bank in 1972 by RBI permitted to carry out to banking activities including acceptance of deposits from non. 1. These important secondary functions of banks are explained below. Kangra of Himachal Pradesh to help out of the people of Himachal residing in Delhi to uplift their economic conditions and tide over the financial hardships. Iii ) Collection of Cheques.Functions of Banks PRIMARY FUNCTIONS SECONDARY FUNCTIONS ACCEPTING DEPOSIT GRANTING ADVANCESA AGENCY FUNCTION UTILITY FUNCTION B. SECONDARY FUNCTIONS : The bank performs a number of secondary functions. Vi ) Social welfare programs. Iii ) Underwriting of shares. Vii ) Other utility functions. v. Utility Functions The bank also performs general utility functions . RD A/c’s.Letters of Credits etc. Ii ) Portfolio Management. Vi .members by opening their savings. CRR is the percentage of deposits liability to be retained by commercial bank and other deposit money bank as prescribed by central bank. Dedications. Agency Functions : The bank act as an agent of its customers.) Periodic Payments. CASH RESERVE RATIO : Bank are required to maintain CRR ratio as prescribed by central bank. The bank performs a number of agency functions which includes : I ) Transfer of funds.23 years there from in june 1995 it was granted a license to carry out the banking business by .) Other Agency Functions. It was granted license to Open Branchres and consequently Six more branches were added in February.RBI. 2. Any member enrolled after 31st December 2013 if dies before attaining a membership of 10 years. If form the membership of the bank existing as on 31st December 2013. October 2008 and last in July 2009. .operative bank Ltd Dharamshala was registered on 18 March 1920. 3. Bank enjoys Grade A audit classification since long Govt of NCT of Delhi gave to the bank ‘Best Bank Award’ for the years 2004-05.2007-08. any member dies. May.1 History Of KCC Bank : The Kangra Central Co. June 1998. then loan amount up to Rs 75000/ will be exempted from interest. The main branch along with its service branch arbitration and recovery department is situated in its own three storied building at Pacarana. 1. December 1996. Amount of Incentive is RS 3100/ & RS 5100 for 10th & 12th class respectively. Member Welfare Scheme and Loan up to RS 75000/ if taken will be exempted from interest.4. his nominee will be given a death grant of RS 25000/ from 4. his nominee will be given a death grant of RS 15000/ from Member Welfare Scheme and Loan up to RS 50000/ if will be taken from exempted from interest. his nominee will be given a death grant of Rs 25000/ from member welfare Scheme and it and if he has taken any loan . Any Member enrolled after 31st December 2013 if dies after completing membership of 10 years. It was established to facilitate the operation of the Primary Co – operative societies affiliated with it by raising resources and acting as balancing centre. the second one is where scholarship @ 75000/. the second one is where scholarship @ RS 150/ & 200/ per month is given to the brilliant wards of the members and staff I and third one is to give one time incentive to those wards of members who get 90% marks in Board Examination. Bank is giving dividend to its shareholders regularly and lastly declared @18% the highest declared so far. 9. Bank has also introduced three schemes of welfare nature for its shareholders. It purchased another building in April 2008 At Jagatpuri where its one of the existing Branches has already been functioning.2009-10 and 2011-12. if taken will be exempted from interest. Welfare Schemes Of Membership 1. there is an apex state cooperative bank and 2 dist.2 COMMERCE & MANAGEMENT Branches spread through out the state of Himachal Pradesh. and Sirmour respectively. In order to fulfil the demand of long term credit. 20 . The Himachal Pradesh state co-operative bank is the apex bank which also discharges its co-operative role as district central co-operative bank in 6 Ditties.1. Una. the Himachal Pradesh state co-operative agriculture and rural development bank play in important role. central co-operative banks financing in the concerned districts of their functioning areas. There are 5 urban co-operative banks eating to the credit needs to their members in the urban areas of Himachal Pradesh. Shimla. 250 branches are serving in the semi urban areas and1331 branches are serving in the rural areas of the state. On the other hand.4. Kinnaur. Hamirpur. As for as the rural short term credit co-operatives are concerned. Kangra primary co-operative agriculture and rural development bank which is located in Dharamshala provides medium and long term financial assistance for agriculture and allied activities with its 16 branches in 3 Distt’s namely Kangra. There are 85 branches of all banks which are serving in the urban areas of the state. 3 MISSON : KCC Bank’s began operation in 1995 with a simple mission to be a world class Indian bank . We realized that only a single minded focus on product quality and service excellence world help us get there. c. All the branches have online connectivity.4 TECHNOLOGY. The Bank’s business is supported by salable and rebuts systems which ensure the our clients always get the finest services we offer. KCC Bank Ltd Operations in highly automated environment in term of information Technology and communication systems .4. 12. KCC Bank offers a wide range of commercial and transactional banking service and treasury products to wholesale and retail customers. 1. Large Range of small and mid size and agricultural business. It includes working capital finance.4. b. Expertise and technology to create a competitive advantage and build market share. trade services. 1. Retail Banking Services. d. transaction services. RETAIL BANKING SERVICES : a. It is currently gratifying that its efforts towards providing customer convenience has been appreciated both nationally and internationally. Provide commercial and Transactional banking services.4. B.1. . giving the customer a one stop window for all banking requirements. In each of the business. which enables the bank offer speedy funds transfer facilities to its customers.5 BUSINESS. the bank has succeeded in leveraging in market position. Today the bank is on the way towards that goal. cash management etc. The Bank has two Business Segements : 1. A. Whole Sale Banking Services 2. It provide Target Market customers a full range of the financial products and banking services. Provide Insurance policies in whole customers. WHOLE SALE BANKING SERVICES : a. 6. 1.b. Deposits to increase 850 crores from 730 crores. ATM Card holders up to 17000. 5. d. 14. To open two Branches. To get “A” RBI inspection Rating. All the branches are fully computerized with CBS. Internal Control Profitability. Net Banking etc. To Arrange minimum two lectures in a year on important topics such as a.4. To Maintain Net NPA 0 % and gross NPA not more than 4.1 Vision Document For 2016 -2017 to 2017 – 2018. ATM has already been done .6 Deposit Policy Customers are most important visitors in our premises they are not dependent on us we are dependent . Credit Appraisal. To computerized HO & CRD 10. The implementations of CTS. 9. So as well as provide alternative delivery channels like as ATM’s. b. Share Money up to 31 cores. Investment Schemes. Board of Directors has also prepared a “ VISION DOCUMENT” for 2016-17 to 2017-18 according to which various targets have been fixed. 3. 12. Customer Services. 11.5%. 7. 4. To Open onside ATM’s in all branches. To purchase two buildings. 13. To be Eligible for schduled status. To make customer service quick and satisfactory. NEFT/ RTGS. 1. 1. KYC Norms.4.5. c.50 lakhs. NPA. Membership has been planned up to 48. Mobile Banking. 8.000.13. Efforts will be made to maintain the highest percentage of dividend clienntent 1. 2. It can be opened by : 1. The facility of withdrawal by cheque is also allowed subject to certain organisations and agencies as approved by RBI. members of the public and ourselves against fraud and other misuse of the banking system duly observing know your customers (KYC) guidelines of RBI. Saving Account. Minimum amount of withdrawal /deposit is RS 10 . . Partnership Firms 3. Saving Bank Account : Saving Bank account is very name suggest that is intended for savings for the Future. 1. 2. We are determined served them in particular and our community as a whole in general with smile to their utmost satisfaction through co-operatives. 3. Societies and Trust Etc. Current Account. There are no restrictions on the number and amount of deposit that can be made on any day.on them. Current Accounts are suitable to such category of customers as there are no restrictions on the number of withdrawals or deposit. corporate bodies or the like who receive money and make payment very offen . Businessmen. HUF’s / Specified associates. 5.4. 1. 2. As required by Law. including verification of address of a person seeking to open an account. Traders. Private and Public Ltd. while opening the account we will satisfy ourselves about the identity. 2. Co. Current Account : Current Accounts are designed to meet of the needs of such sections of the public who operate their account regularly and frequently . Individuals.6. to assist in protecting the prospective customers. Term Deposit Account.1 Types of Deposit Accounts : 1. 4. Balance in the account earns interest Rate by the Head Office from time to time. quality or standard of the services offered by the bank to enable him/her to take an independent decisions. Individuals and Partnership Firms.4. Right to Utilize the PRODUCTS & SERVICES To right a depositor choose and utilise of Products & services according to our facility 1. 2. HUF and Societies /Trusts Etc. 3.2 Depositors Rights 1.For organization the company has a host of customised solution the . 3. The customers are choose the suitable one from a range of products which will suit their life stage and needs. 2. 4. Account of Blind Persons. Right to INFORMATION A deposit will have right to information about charges. 6. Term Deposit Account : The Deposit Received by the bank for a fixed period withdraw after the expiry of the fixed period and include deposits such as Recurring and Fixed Deposits Etc. For Individuals and cards assist the customers.7 PERSONAL BANKING PRODUCTS & SERVICES PRODUCT SCOPE Kcc Bank Ltd Offers a bunch of Products and services to meet the every need of people . 1. Right to CHOOSE A depositor will have the absolute freedom to choose among the various services offered by the bank to suit his/ her requirements. 5. General Accounts : 1. 3. Minor Accounts 4.3.4. Special Type Account. Repayment under joint accounts. The Company Cares for both individuals as well as corporate and small and Medium entreprises. Private and Public Ltd Companies. Term Deposit can be opened by 1.6. Joint Account. 2. Accounts of illitrate Persons. Saving Plus Account b. Working Capital Finance h. Home loans c.range from funded services and non funded services. New Car Loans e. Pension Saving Account i. 1. Current Account. Saving Max Account c. Mudra Gold Bar . Regular Salary Account h. Regular Fixed Account b. Recurring Deposit Account e. Commercial vehicle Finance g. Used Car Loans f. Insitutional Savings Account e. Trade Current Account c. Family Saving Account j. Investment and Insurance j. 2. Fixed Deposit Account a. Safe Deposit Locker. 2. Senior citizen Account d. Regular Current Account e. Plus Current Account b. value addition services. LOANS a. ACCOUNTS & DEPOSITS Saving Account a. Clasic Salary Account g. Premium Current Account d. a. Personal Loans b. Sweep In Account d. mutual funds. Construction Finance i. Demat Account f. Etc. Max Current Account 3. Kisan Saving Account. The affordable plans part from providing long term value to the employees help in enhancing goodwill of the company. Payroll Salary Account f. Super Saver Account c. Two Wheeler Loans d. Funded Services k. Cards a. Silver Credit Card b. KCC Bank Idea Silver Credit Card h. ATM & Locker Facilities. Foreign Currency Cheques & Deposits c. Corporate Salary Account o. 4. Foreign Currency Deposits e. Wholesale Banking Services j. Rupee Saving Account b. . The General Manager. Trade Finance b. NRI Banking Services a. Mobile & Internet Banking g. The Managing Director. Accounts for Returning India 1. Value Added Services m. Payment Services d. Women’s Gold Credit Card d. The General body shall determine the General Policy of the bank 1.5 ORGANIZATION STRUCTURE OF KCC BANK LTD. NEFT & RTGS Services.Funded Services l. 3. Gold Credit Card c. Branch Network h. Non. The management of affairs of the bank shall best as defined in the laws in the following boddies and officers.3. Visa Money Transfer e. Tax Collection 5. f. 2. The Board Of Directors. Internet Banking n. Rupee Fixed Deposits d. Value Plus Credit Card f. The Executive Comitee. Platinum Plus Credit Card e. Rupee Current Accounts c. Health Plus Credit Card g. 4. KCC Bank Idea Gold Card i. FOREX SERVICES a. 2 Zonal Office. LADROUR Bank: THE KANGRA CENTRAL CO-OPERATIVE BANK LTD Address: TESHIL & DISTT. Jagdish Pal Sharma Junior Asistant Manager Mrs. JAGDISH PAL SHARMA IFSC Code: KACE0000143(used for RTGS. MICR Code: 177850028 About Branch Office KUTHARA For The Financial Year 2016 -17 Total Number of Employees = 5 designation of Branch Manager Mr.5. Deputy General Manager. Branch Manager. 1.1 Our Organization Profile Details of THE KANGRA CENTRAL CO-OPERATIVE BANK LTD.ChampaDevi Senior Clerk Mr. State: HIMACHAL PRADESH District: BILASPUR Branch: LADROUR Contact: SH. General Manager. Zonal Manager. 3. HAMIRPUR H. Managing Director. IMPS andNEFT transactions) Branch Code: Last six characters of IFSC Code represent Branch code. Sunil Kumar Cashier Mr. 4. ORGANIZATION SET UP BY BANK 1. 7. 3 Branch Office. Chairman. 20 5. 2. Board of Directors. 6.P.ADMINISTRATIVE SET UP OF BANK : 1. Puran Chand Peon Mr Rampal Sr . Head Office. Head office Situated in Dharamshala Distt Kangra (H. Main Head Office Details Of Kcc Bank Ltd. 1 Poinneer banking institution catering needs of public and co.in. 2. PIN Code is . Establishments Year March 1960 .in .2 KCC BANK PROFILE: KCC Bank History Come in existence in 17th March 1920. dgmkcc@dataone. Bhijari IFSC Code consists of 11 Characters: KACE0000143 First 4 characters represent the entity (KACE#######) Fifth position has been defaulted with a '0' (Zero) for future use (####0######) Last 6 character denotes the Bhijari branch identity (#####000143) The Kangra Central Co-Operative Bank Bhijari Branch Hamirpur. Indora banking union was merged and 2nd branch open at Nurpur in Jan. Particulars Amount ( Fig. MICR No is 177850143 Contact No: . Himachal Pradesh Details Kangra Central Bank Ladrour Branch Phone Number : Address: TESHIL & DISTT. Leading Co – Operative bank in North India. 1956.P. IFSC Code is KACE0000143. Bhijari branch code is 000143. 3.1967. in thousands) (1. 4. HAMIRPUR H. complaint@kccb. [email protected]. 4th Branch of the bank opened at Hamirpur in oct.in. Email id of The Kangra Central Co-Operative Bank Ladrour Branch is ..) Name Designation Company Name The Kangra Central Co-Operative Bank Ltd.operative societies in Kangra and Lahul Spiti.in . Customer Care Toll Free No : 1800-180-8008 Email ID: [email protected]. Plampur banking union was merged and 3rd branch of the bank opened at Plampur in Jan 1957. place. STRENGTHS : characteristics of the business or project that give it an advantage over other. Jawahar Nagar Dharamshala . Distt. A SWOT analyses can be carried out for a project. VISION : To emerge as the most trusted. . Ajit Paul Mahajan Director Mr. opportunities and threats involve in a project or in a business venture. firm or person. WEAKNESS : characteristics that place the organization or project at a disadvantages over other. Kachehri Road. PC Akela (HAS) Managing Director Mr. Jagdish Sepahia Chairman Mr. Kuldeep Singh Pathania Vice. 1. Kangra Himachal Pradesh 176215. Sudhir Katoch Deputy Registrar Mr. Ashok Puri General Manager. HDFC Bank and ICICI. admired.6 SWOT ANALYSIS Introduction of SWOT Analyses A SWOT analyses is a structure planning method used to evaluate the strengths. The degree to which the internal environment of firm matches with the external environments expressed by the concept of strategic fit. Mr. It involves specifying the objectives Organization or project and identifying the internal and external factor that are favrorable and unfavorable to achieve the objectives. Bank and also with Maruti Udyog Ltd.Chairman Mr. weakness. sought after world class financial institution. Address: H.O.Bank has tie ups Axis Bank. company. 2. and to be the most preferred destination for every customer and investor and a place of pridge for its employees 1. All services and products of Kcc Bank are available through direct banking channels. Huge Markets of Shareholders 4. THREATS : elements that environment could cause trouble for the business or Project. 3. Attacks of Web Hackers. THREATS : a. 4. Vulnerable to reactive attack by competitors. b. e. STRENGTH : 2. a. . b. Mobile and Net Banking Services. Lack of infrastructure in rural areas could constrain investment. c. As direct banking channels saves time and money both as a customer does not need to go to bank for any kind of transaction except cash withdrawal and cash deposits all other things are done sitting anywhere in the world. Very Easy to Access and use.3. 2. Centralized banking makes easy for KCC Bank to provide services to customers. d. The biggest strength of bank is direct banking channels. OPPORTUNITIES : a. c. KCC Direct Banking Channels provide Real Time and Accurate Information. One Should have the knowledge of the operation of the computers and all of course the internet. A highly Personalized Services provided by the bank. WEAKNESS : a. OPPORTUNITY : elements that the project could exploit to its advantage. Resistance to change b. Free ATM . 1. b. 30 CHAPTER 2 WEEKLY PRACTICAL ACTIVITIES 31 . WEEKLY PROGRESS REPORT WEEK NAME OF WORK WORK STATUS ASSIGNED 1st Know about the bank Accomplished 2nd Know about the working Accomplished of Bank 3rd Work in Customer Service Accomplished Department 4th Work in Credit Accomplished Department 5th Work in Cash Department Accomplished 6th Work in Recovery Accomplished department 7th Work in open different Accomplished Bank Account . customers are often more concerned with banking efficiency than the personalized in-branch experience. They also update them on their loan status. helpful people in these roles greatly affects a bank's customer service performance and reputation. They're the ones visitors typically interact with for routine checking and savings transactions. but several other common banking jobs involve service. Customer service managers generally deal directly with service issues. . there is often little tangible product variation among their offerings. so most of their activities involve elements of service. In essence. including the ability to move money between accounts and to pay bills online. members of a bank's loan division communicate with the customer about any paperwork requirements. In the early 21st century. but broad concept in the banking industry. personal bankers usually enter the picture. CUSTOMER SERVICE DEPARTMENT Customer service is an important. ATMs and mobile banking are additional options banks often provide to customers looking for self-service opportunities. Teller An often underappreciated element of a bank's service is the level of friendliness and helpfulness offered by front line service employees. Loan officers and service employees also field loan payment and servicing questions from existing loan customers. Mortgage consultants inform customers about new loan and refinance options and help with applications. Loans The loan or finance side of banks has its own customer service situations and processes as well. are examples. such as unexpected bank fees or transaction errors. Personal Bankers For customers with more involving banking needs. service-oriented. Tellers essentially serve as the "face" of the bank to regular customers. They also handle many of the issues or problems customers have. one area in which bank customer service is assessed is in its provision of self- service banking tools. Online banking tools. banks are service-based businesses. During and after the loan approval process. While they do sell banking and financial products. Thus. Self-Service Ironically. Bankers generally meet with customers interested in setting up new accounts or getting more information on banking products. Banks do often have customer service managers that step in to deal with the most significant customer service concerns. the representatives may attempt to solve the problems or at least propose some solutions. Other duties include processing new client accounts. even though he may not be part of the sales division. For example. Such duties may involve answering telephone calls and making the appropriate transfers. Usually. For instance. they deal with and help resolve any customer complaints. maintaining customer accounts. Sometimes. implementing changes to existing accounts. In addition. Others may function like gatekeepers. customer service representatives gather their information via a telephone call. Some representatives may also be authorized to send customers their replacement products or reverse erroneous fees. Customer service representatives must make sure first that the complaints made are valid and must do whatever they can--within the bounds of their authority--to make sure the customer is satisfied when he hangs up the phone. getting information on the problem and passing it along to someone else to solve. Customer service representatives may also help generate sales leads. . the representative can transfer the call to a technical service representative. Handling Problems Customer inquiries often involve some form of complaint that the customer service representative must handle in accordance with the company’s guidelines and policies. For instance. For instance. he may suggest upgrading your cable service. Assisting in Sales Selling the company’s products and services may be part of a customer service representatives job. a customer representative may assist you in opening an account or help you to resolve a problem if you cannot access your account or if your order never arrived. Some representatives may provide product or service information to assist customers in making a decision about a product to buy. Clerical Tasks The job of a customer service representative may also involve clerical responsibilities. when a customer makes an inquiry about Internet broadband. Duties & Responsibilities of a Customer Service Representative A customer service representative interacts with a company’s customers to provide them with information to address inquiries regarding products and services. the representative may attempt to sell them some new products upgrades. after addressing a customer’s inquiry. Those working in insurance companies may be required to handle paperwork dealing with policy renewals. Customer service representatives who work for communication and utility companies may assist customers who have outage or other service problems. CREDIT DEPARTMENT F u n c t i o n s o f C r e d i t A d mi n i s t r a t i o n D e p a r t m e n t : Basic principles of Loans & Advances: Aggregate loans and advances shall not exceed the Bank’s net worth or 65% of customers deposit whichever is lower (excluding loans and advances covered by specific counter -finance arrangements). All lending will be adequately secured with acceptable security and margin requirement as laid down by the Head office credit committee.Use of working capital facilities will be closely monitored to ensure lending used for the purpose for which they were advanced. The same treatment will be given to country risk arising out of contingent liabilities relating to Letters of credit and letters of guarantee. . customer service representatives who work in banks may have similar duties to bank tellers. No term loans will be approved for the commercial sector. cashing checks and servicing accounts. Exceptions will be rare and will require approval of the Executive Committee. For example. Country risk in loans and advances will be accurately identified and shall be within the country limits if any approved for the bank. Job Specific Responsibiliites Almost all types of organizations employ customer service representatives and often their duties and responsibilities vary depending on the type of the organization and industry.and filing documents and other paperwork. The Bank shall not incur any risk of exposure in respect of unmatched rates of Interest of funding of loans and advances beyond 15% of outstanding loans and Advances. 35 End . Within the aggregate limit of loans and advances as mentioned in (1) above 50% of lending will be small industry sector in accordance with prescribed norms of the government and the Central Bank in terms of the banks objectives with 50% to the commercial sector. counting money. The bank shall not incur any uncovered foreign exchange risk (currency exposure) in the lending of funds. Affix Cash Received stamp 5. etc. Cash in-charge. 2. Write down denomination 4. Cash Department plays a paramount role in creating good perception among the customers about the services of a bank. (b) A/C Number. Keep Cash in the Drawer of Cash Counter under lock and Key (within Counter limit) during transaction hours. The aggregate outstanding loans and advances (excluding loans advances covered by specific counter finance arrangement) shall be dispersed according to the follow in guidelines (subject to item above whereby 50% of lending being to small industry sector). (d) Date. Carefully check and Count the Currency Notes 3. Spreads over cost of funds on loans and advances and commissions and fees on other transactions should be commensurate with the rating of the borrower. quality or risk and the prevailing market conditions. Credit risk evaluation will include an accurate appraisal of risk in any credit exposure is highly subjective matter involving quantitative and qualitative judgments. Verify / check the (a) Title of Account. The financial statements of the borrower do not always provide a complete picture of the borrower CASH DEPARTMENT Cash is the most volatile and liquid Current Asset of Bank’s Balance Sheet and as such it demands special attention of Efficient Management. Receipt of Cash Before receiving cash from depositors in Pay-in-Slip / Credit Voucher the concerned cash official(s) shall: 1. (c) Amount in Words and Figures. good Cash Management constitutes the following roles. and not out of short-term temporary funds of borrowings from other banks or through short-term money market operations. Make entry of particulars of the Cash Received 6. written on Pay in Slip / Credit Vouchers with the records of computer program and shall satisfy on their correctness and genuineness. Verify entries / Particulars of Pay-in-Slip / Credit Voucher with those of the Cash Receiving Register 7. Loans and advances shall be normally funded from customers’ deposits of a permanent nature. 36 . ideally a senior level officer with direct experience in cash management shall be responsible in performing good cash management. And finally after completion of all above formalities the Cash official. However. FDR. shall pay/ handover cash against the instrument/ cheque to the payee/ Recipients. Checking / Closing of Cash and writing of Cash Position Memo At the end of day’s Cash transaction Cash In-charge shall Count. (ii) write down the total amount in words and figure under the summation and ensure that it is okay and the figure agrees with the computer generated supplementary figure. SDR. paying cash official(s) shall hold all paid debit instrument(s) until cash is closed and handed over to Cash-in-charge at the close of business. However. Pay Order (PO). Pay Slip (PS). Balancing of Cash Payment Register Paying Cash shall accomplish the following formalities: Make date-wise entry of all payment Vouchers in “Cash Payment Register” in serial order. thereafter. who. upon satisfaction about its accuracy and genuineness shall authenticate the same by his / her countersignature thereon. Cash In-Charge shall prepare and sign the Cash Balance Book and shall submit the same to the Deposit In-charge/Manager Operation (MoP). upon satisfaction. Verify Genuineness & Authenticity of the instrument. Sort and Balance the remaining cash (after receipt & payment) and shall prepare and sign the Cash Position Memo. Balancing of Cash Receiving Register After receipt of total cash during the day the ‘Cash Receiving Official’ shall (i) aggregate the amount after the last entry in the ‘Cash Receiving Register’. Deposit In-charge / Manager Operation shall check and . make posting. and also against other debit instruments issued under scheme deposits of the Branch as well as Cash Debit Vouchers. Obtain 2nd signature of payee/ recipients on the back of the instruments. the following formalities have to observed. etc. affixing stamp and cancellation of instruments. count relevant cash and note down denominations there against on reverse/ back side of respective instruments/ vouchers. Writing and Checking of Cash Balance Book After Balancing of (i) Cash Receiving Register and (ii) Cash Payment Register by the respective Cash Officials.Payment of Cash While Paying Cash against debit instruments namely Cheques. passing & cancellation of the Cheques and. Make sure that total amount of such payments of the day agrees with the total amount shown in the parallel computer generated supplementary. Write down the total amount of cash paid during the day both in words and figures in ‘Cash Payment Register’ and authenticate the same by full signature. Enter particulars of instruments/ Cheque in Cash payment register in Serial order and write down that serial number in a red circle to be made on the face of the instruments. Demand Drafts (DD). Denominations of Cash in Hand mentioned in the Cash Balance Book must match with the denominations recorded in the Vault Register at the end of day’s transaction. is strictly prohibited. Maintaining vault limit Branch has to ensure the vault/cash in safe limit as set by the Head Office time to time. Safety / Security of Strong Room during Transaction Hours Strong Room / Vault must be kept Closed / Locked during transactions hours under Joint Control of two key holders from Triple Custodians and both the Joint Controllers must be present whenever the strong room is re-opened during the Day / Office Hours. Excess cash over the approved limit shall not be held in the Branch at any time either on Counter or in Iron Safe.confirm that the figures mentioned in the Cash Position Memo agree with the total figures of (i) Cash Payment Register. (ii) Cash Receiving Register and (iii) Daily Affairs (cash in hand figure) and. Cash-on-Counter and Cash-in-Transit Limit Branch must handle cash within Cash-in-Safe.e. Cash Enclosure Access of unauthorized person(s). upon satisfaction. Closing Balance of the day as per Cash Position Book (Balance Cash of Cash Counter and remaining Cash Iron Safe) are accurate and correct. shall immediately move the Excess Cash of the counter. Cash-on-Counter and Cash-in-Transit Limit duly approved by Head Office. Stitching / Banding of cash (as per instructions / guidelines of Bangladesh Bank/ Head Office) should be made inside Cash Enclosure by the concerned staff(s) who will not be allowed to leave Cash enclosure until cash is duly handed over to the Cash-in-charge in his full satisfaction & acknowledgement. to the Cash Enclosure of the Branch. Cash in excess of vault has to be deposited immediately with BB/Sonali Bank or . to the Strong Room during transaction hours. under due record & acknowledgment in the relevant register. Vault Register Cash In-Charge shall Maintain Vault Register for keeping record of Cash Movement to and from the Iron Safe. Counting. Cash In-charge must keep his / her hand balance (exceeding counter limit) in a steel box under lock & key in the strong room. But before storing cash in the Iron Safe. However. including officials of other departments. Cash-in-safe. shall authenticate the Cash Position Memo by his full signature / countersignature. Only the officials working in the Cash Department shall have access to the Cash enclosure but normally they will not be allowed to go outside the Bank premises until entire cash is balanced and handed over to the Cash-in-Charge. the Cash In-charge. the Triple Custodian shall additionally ensure that entire cash i. Safe Custody of Cash (after transaction) over night Cash balance of the counter at the end of a day together with Cash in Safe (if any) shall be preserved in the ‘Fire Proof Iron Safe’ of Branch’s Vault for Safe-Triple- Custody until next reopening of the Vault. 10 packets of 100 pieces notes in each packet (100 x 10) shall make a ring / bundle which should be tied up with rope and stacked denomination-wise in Fireproof Iron Safe(s) under Triple Custody. Rotation of Cash Officers’ Duty Rotation of duties between Paying and Receiving Cash Officials should be made at regular monthly frequency. Cash balance with less than 100 pieces notes (unstitched / unbanded) is to be kept denomination-wise in separate loose packets. / Main Branch of the Bank to avoid irrational accumulation. in iron Safe / Vault and on counter of Branch) is to be noted down denomination-wise in Cash Position Book and that denomination must go with the denomination to be recorded in the Vault Register at the end of transaction of the day. A cash slip (fly leaf) bending at left side of each packet is to be pasted and signed by the official who has counted / verified the notes in the packet. with description of the coin. A Cash Slip Form. Forged Notes Whenever a forged note is detected in branch the matter must be brought to the notice of Head of Branch (HoB) for disposal in the light of directives issued by Bangladesh Bank. cash official shall record denominations of all the cash received and paid daily on the back of each respective credit and debit voucher. Surprise Verification of Cash Head of Branch (HoB) shall make surprise verification by physical counting of entire Cash-in-Safe at least once a month and shall confirm its accuracy with the remarks “Entire Cash Checked and Found Correct” on the particular page of Cash Position Book under his / her signature. Packing / Banding of Currency Notes Currency notes in till of the Branch are to be packed denomination-wise separately with 100 pieces in each packet and those packets shall be stitched / banded as per specification of Bangladesh Bank. Soiled Notes Branch. Branch’s rubber stamp (round seal) is to be affixed on both sides of each packet covering part of Cash Slip (fly leaf) and a part of the currency notes. . Security Measure of Cash-in-Transit Branch shall ensure adequate and effective security measures while carrying cash to and from link branches of the Bank and Bangladesh Bank / any other banks. with due record in a register. Again. where the branch maintains Bankers’ Account. Recording Denomination of Note(s) / Coin(s) Cash at Bank (in hand. Coins to be kept in Bags Coins should be kept denomination wise in bags of uniform size.designated cash feeding branch. shall always keep Soiled and Mutilated Notes separated from the notes for circulation and shall arrange Change of the same at necessary interval from Bangladesh Bank / Sonali Bank Ltd. signed by two officials who counted and checked them. Police Action. Cash Shortage / Discrepancy Any discrepancy in cash (excess payment / short receipt. counterfeit. when licensed by Bangladesh Bank. Sales of Lottery Ticket Banks usually serve some social activities such as selling tickets for the help of thesociety. Receipt of Cash After Banking Hours (Evening Banking) A particular branch. Then. Then. cash official check the authenticity of the prize bond. forged. Note: during the purchase and sale of prize bond. upon its enormity.In this regard. If shortfall is caused due to less receipt / excess payment. the cash in charge must sign the register with counter sign by the Deposit in charge/Manager Operation (MoP). mutilated. Cash receiving officer receive the utility bills after proper stamping. However.should be placed inside each coin bag. Then he/she issue cash debit voucher and pay cash to the customer.) should immediately be brought to the notice of Head of Branch (HoB). branch authority shall recover the amount from concerned cash official(s) and or from the concerned customer(s) if he is identified to be liable or culpable. who. if required. he/she out the prize bond from prize bond in hand register serially following first in first out (FIFO) method.). Then he/she issue cash credit voucher and handover the prize bond to the customer. All coin bags in Iron Safe are to be checked to ascertain genuineness and accuracy of its contents. notes. When the customer approaches the cash official to buy the prize bond. branch always follow the instruction of Head Office. shall be taken in time against delinquent official(s) / customer(s) in concurrence with Head Office. (particularly Cash shortage and forged notes). Outstanding entry so created in “Suspense A/C Cash Shortage shall have to be reversed at the earliest by recovering / realizing the money from the delinquent official(s) and or customer(s) or from both as per their involvement in the matter. affixing seal and sign on it. Bags full of Coins are to be stored in the Iron safe in orderly manner. Purchase & Sale of Prize Bond: When a customer placed the prize bond over the counter. the cash official receive the money in cash of the said prize bond. On failure to recover at the end of the day. shall inform Head Office right away. for ‘Evening Banking’ Operation shall receive cash within fixed period of time after closing of the normal transaction of the day by observing the following procedures: . etc. At the end of the day the entire received amount deposited to a collection A/C & at the end of the month bank remit the entire bill amount as per contract. Receipt of Utility Bills Cash receiving officer receive the utility bills as per contract of bill authority (BTRC/Grameen Phone/Titas Gas etc. the said shortfall shall have to be covered / made up by debiting “Suspense A/C Cash Shortage” with the concurrence of Head Office / Controlling Office. he/she put the serial number of the prize bond into the prize bond and in the purchase register. A separate Evening Banking Cash Receiving Register called “Evening Banking Register” have to maintain. Type of account will be open by customer i. Cash received during Evening Banking Hours together with the relevant Deposit Slip / Pay-in-Slip is to be preserved separately in the Iron Safe within the strong room under Triple Safe Custody as per usual banking practice. & also know about the how is it work Learning of the week : I have know about a lot of things in this week like as how the bank can perform all the operations 2nd WEEK : (8th july-14th ) Work Assignment :How to opening a New Accounts in Bank : Objective : To gain the Practical Knowledge Of opening a Accounts : This is the primary and important function of bank employees. Accounts are not personal also take different type accounts internship period.e. ‘Receipt of Cash’. Also it is my objective of how to open a new accounts. Contact No. 2. Our manager Assigned us a work in the field. WEEKLY PRACTICAL WORK REPORT IN DETAILS 1st WEEK : ( 1ST JULY-7TH JULY) Work Assignment : Know about the Bank Management System.e. Name . a. I follow some steps : 1. Id Proof etc. a. Address . Procedure for receiving cash shall be the same as explained earlier under the caption.OR Current A/c. Objective : In the first week we have to assigned a work of know about the bank. b. In this field we have given a address of that default person who have take a loan from KCC Bank but they not give installments in proper time. Our work is just inform him give installment in timely other wise they have give installments + Penalty. . In this stage. RD A/C OR FD A/C. Fill up the personal details of customers in application form i. In this work we have know the history about the bank. Learning of the Week : I learn about how to open a new bank account . 40 RECOVERY DEPARTMENT In the Recovery Department we have done a lot of things. Saving Account. Loan A/C. 6.c. KYC i. Because Loan is the source of income generation and bank maintain the NPA Management Policy through the loan.7 Years 3.) Maximum Credit Limit 1 Kisan Credit Loan : Crops Loan . because I know about the loan procedures and I am interested to know bank how to provide a loan .e. Objective : To Know how to provide a different types loans by bank :Loan is the another importance function of the banking organization. After provide the Bank Passbook of Customer. Aadhar Card Number . Learning of the Week : In this week.000 2 Vehicle Loan Two – Wheeler and Four – Wheeler 7 – 20 Years 5. Nominee of Account and Fill the details of Nominee. 4 House Loan .00. (Agricultural Activities) Allied Activities. The following loans are provides are follows : Types of Loans Providing The KCC Bank Ltd. 3. After Fill the Application form Enter the details of Management system on Different screens and Scan the Documents and open the account some rupees. Signature of Accountholder and their Nominee. 12 Months 10000 Not more than 25.00.000 not less than 35 % of Gross Salary. In this week. WEEK 3rd : ( 15july-21july) Work Assignment : Loan Providing Services. 8. bank account is the most important work in employees and I gain more knowledge about this work and accomplished by successfully. I achieve that THE KCC Bank What types loans are provided the customers. 33 So.000 ( New Car) or 2 times of the Annual Income 3 Consumer Loan 5. 5. PAN Card Number ( If any) 4. I focus on the loan. 7. 15. And also learn how to dealing with customer .How To work in .000 – 5. usage and cash flow liquidity. & Cr.because without cash has been no transaction of banking system.000 or 35 % of Gross Salary ( New House) 5 SSI Loans ( Small Scale Industries) New Entrepreneurs Expansion Of Business. This tool is especially useful when entering a situation where active cash management is required for your daily cash flow. learns that how to transfer the amount of one account holder to another account holder. In this transactions are following accounts are Dr.20 Years 5. learning that how to entry of Receipts and Payment of cash register. 5-10 Years 25.Construction and Repair. Learning Of the week : In this week . So it is very importance to know me about banking cash system.000 6 SCC ( Swarojgar credit Card Scheme) 5 Years 25000 7 Education Loan 5 Years 25. It is also involves the collection.00. 5th WEEK (29july-04august ) Work Assignment : How to transfer of money due to Che ques.00.00.000 or ‘ 4th WEEK ( 22-28 July) Work Assignment : Prepare the Cash Report and How to Cash Dealing Objective : To Achieve the Knowledge About Cash Department: It is the important part or function of bank . 6th WEEK ( 05August-11August) Work Assignment : Distribution Activities Objective : To Gain Knowledge about Account Statement . Purchase of Land and Flat. So I Prepare Daily cash balance report. handling. Also I interact with customer and practically some work with Cashier in Bank. Learning of the Week : In this week .000 – 5. I have work in different departments 2. The over all experience of my training is to good. c. Learning of the Week : Distribution Function in mainly three types which are mention below : a. I have also learnt the working of the banking . Because I have never work in banks before my training. 3. 1.Customer service Dpartment. Account Statement . During my training I have learnt that how to perform bank operation. 7th Week (12august-16august) Work Assignment: Distribution Activity Objective: To open a different Bank Account Learning of the week: I have learn in Brief of bank account CHAPTER 3 RECOMENDATIONS & CONCLUSION OVER ALL EXPERIENCE & LEARNING DURING THE TRAINING During my 45 days Training I have learnt a lot of things. I have perform the different operations. During my training I have learnt that the various services given by bank to customers . b. Cheque Book Distribution . ATM Distribution. T. Then bank can have decrease there NPA. I have learnt a lot of things in bank. Day . I have also work in different departments. REFERENCES Bulkaliya. What are the terms. During my training I also learnt that how the bank perform its operation. CONCLUSION I have done 45 days training in Kangra Central Co-operative Bank Limited Branch Bhijari.(2012). 2010) Dr. During working in different departments I have gain a knowledge in different departments like Customer Service Department. R S Singla ( VK Publication. Research Methodology (2004) . Recommendation I have work in Kangra Central Co-operartive Bank Ladrour. 2017). I want to Recommendation made to KCC Bank for the purpose of high achievements. 2013) CR Kothari. They have to work hard for making high profits. Credit Department. J. Bank have to organize some camps to the publics and starts various schems by banks to the public. Recovery Department. R. & Conditions give by bank to his customer. The bank have to increase there ATM facility to the publics.The NPA (Non Performing Assets) of this bank is 15%. Subramanian ( New Age Publication. (Jan. . And according to the rule of RBI (Reserve Bank Of India) if the bank have NPA is more than 10% The bank can not be open new branches. Cash Department. 1601028027 Gautam Group Of College Hamirpur .THANK YOU Roll No.