A STUDY ON DEPOSITS AND LOANS OF

PATTITHARA SERVICE CO-OPERATIVE BANK

CLIPTHAM NO.592

PROJECT REPORT SUBMITTED TO THE

UNIVERSITY OF CALICUT

In Partial fulfilment of the requirement for the

Award of the degree of

BACHELOR OF COMMERCE

By

CHITHRA.M.R.

Reg.No. VPAQBS0245

UNDER THE SUPERVISION OF

UNIVERSITY OF CALICUT

KERALA
 DECLARATION

I CHITHRA.M.R. (Reg.No.VPAQBS0245) do hereby declare that

project report entitled “An Analysis on Deposits and Loans of
Pattithara Service Co-operative Bank “ submitted to Calicut
University is a partial fulfilment of the requirement for the award of
the degree of the Bachelor of Commerce is a record of original
project work done by me during the academic year 2017-2018
under supervision and guidance of as…..

Place:

Date:
CHITHRA. M.R
 CONTENTS

CHAPTER TITLES PAGE.NO.

NO.
1. Introduction
A. Industry Profile
B. Research
Methodology
2. Review of
Literature
3. Data Analysis
4. Finding,
Conclusion and
Suggestions
5. Bibliography
6. Appendix
 LIST OF TABLES
TABLE
CONTENT PAGE NO.
NO.
Table showing
1
Saving Deposit
Table showing Fixed
2
Deposit
Table showing
3
Recurring Deposit
Table showing Daily
4
Deposit
Table showing Total
5
Deposits
Table showing Gold
6
Loan
Table showing
7
Ordinary Loan
Table showing MT
8
Mortgage
Table showing
9
Business Overdraft
Table showing
10
Deposit Loan
Table showing Total
11
Loans
 PROJECT ACKNOWLEDGEMENT

Reg No. of the student

Name of the student
Programme Name
Title of the Project
Date of receipt
Total No. of pages
including appendix

Signature of the student Name and Signature of the Co-ordinator(with Seal)

Name of the Project Receiving Centre

CHAPTER – 1
 INTRODUCTION
HISTORY OF CO-OPERATIVE MOVEMENT IN INDIA

The experience of British government with India’s peasent

society on occasions of famine, scarcity gives the idea of providing
some financial assistance to the village people. It was also found
that Indian peasantry always suffered from lack of funds required
for the development of farm produce. The striking factor is that the
jagirdars and jamindars always exploited the when the latter failed
to deposit the land tax in time. Even they required money for their
subsistence if there was a famine. Realisation of land tax was the
first objective of the colonial rule. This prompted the British
government to establish credit co-operative societies in the
villages. The first Co-operative credit societies Act was passed in
1912. The movement has now made rapid strides. The government
before fostering and supporting it wanted to be sure if it was
developing on right lines. Therefore, it appointed Maclagan
Committee in 1914 which suggested certain improvements in its
functioning, such as better procedure of audit, emphasis on
teachings to members and to have steady progress of the
movement. However, in spite of warning given by the committee,
the number of societies continued to increase rapidly. The
cooperative movement got a boost during the war period. Various
post-war plans were drawn up in the country and they all
emphasised the increasing role of co-operative movement. As a
result, a Co-operative Planning Committee was appointed by the
Government of India in 1945. It was in 1951 that the RBI appointed
a committee with the terms of guidance to survey All India Rural
Credit Societies. The report of this committee was submitted in
1954.
 HISTORY OF CO-OPERATIVE MOVEMENT IN KERALA
The Co-operative movement started in Kerala long before the
attainment of independence. In 1946 there were 1669 co-operative
societies with a total working capital 92.21 lakhs of rupees. There
are at present about 14,000 co-operative societies under the
Registrar of Co-operative Societies. Of these 10,503 societies
function satisfactorily. They include the apex institutions like the
State Co-operative Bank, the State Agricultural and Rural
Development Bank, 14 District Co-operative Banks, 60 Urban Banks,
48 Primary Agriculture al and Rural Development Banks, and 1602
primary Lending Societies. The total deposit in the co-operative
sector is 40,000 cores. About 75% of this is distributed as loans. Co-
operative institutions were developed in Kerala as a result of mass
struggles and peoples’ participation. Compared to the movements
in other States, the co-operative movement in Kerala is more
comprehensive and creative. Land reforms have played a great role
in Kerala’s development. The co-operative sector in Kerala is a wide
spread one. It plays its role in the traditional, money lending,
marketing, consumer, housing, women’s welfare, educational,
health and construction sectors. The functioning of these
institutions help to provide the people services of various kinds of
low cost. The State Government is intervening effectively to take
the co-operative sector forward and extend its service to the
people. The co-operative sector has been playing a distinct and
significant role in the process of socio-economic development of the
state with special focus on rural population and livelihood. Through
sustained efforts, co-operatives have made impressive progress in
various segments of Indian economy particularly in agriculture
credit disbursement, fertilizer distribution, procurement and
distribution of agricultural commodities, promotion of consumer
activities, health, diary, fisheries. handloom, coir etc.
 COMPANY PROFILE

Name & Address : Pattithara Service Co-operative

Bank. Ltd.No.592,

Pattithara. P.O,

PattambiTaluk,

Palakkad District.

Area of Operation : Pattithara Service Co-operative

Bank

Head Office : Pattithara

Branch : Kakkattiri

Extension Counter : Pattithara

Liability : Limited

Members : 14367

Deposit : (110.58 Cr)

Loans : 88.53 Cr. Co.

Audit : Concurrent

Audit Classification : A Class

 I.b. INDUSTRY PROFILE
Pattithara Service co-operative Bank Ltd no.592 ,P.O.Pattithra
(Pattambithaluk) Pattitharapanchayath in Palakkad District. Its area of
operation consist of Pattitharapanchayath. The bank was established
in 1921 with the motive of operation among farmers in the early stage,
the bank was engaged in textile trade. Due to huge losses, these were
stopped later. The main banking activities of the bank are accepting
deposits and advancing loans. Moreover subsidiary functions of the
banks includes working as an agent of RUBCO and providing facilities
like Neethi Medicals stores of fertilizer, Kizhakkupunjappadam lift
irrigation scheme is an important activity of the bank.

The head office and main branch of the bank are functioning at
Aloor. Apart from the main branch, there is a branch at Kakkatiri. At
present, the bank has developed into a full-fledged banking institution
with an authorized capital of Rs.100 lakhs, paid-up capital of Rs.90
lakhs and there are 13898 members.

I.c. FUNCTIONS OF THE BANK

1. The functions of Pattithara Service Co-operative Brinciple of Co-
operation, self-help, and mutual help.
2. The bank works on the basis of “No Profit, No loss” profit
maximization is not their goal.
3. They do banking business mainly in the agriculture and rural
sector.
4. To collect movable and immovable properties for the activities of
the bank.
5. To provide short term, medium term, long term loan to members.
6. To give loan to members for self-employment.
7. To formulate and implement production program’s for the
members.
8. The provide facilities to the members for the production of
manures like compost and mixed manure, jointly or individually
under the area of operation of the bank.
LIABILITY
The liability of the bank is limited which means that the
members will be liable only for the unpaid amount of shares in the
event of winding up of the bank.

ADMINISTRATION AND MANAGEMENT

The ultimate of the bank is vested in the hands of general
body. Day to day management of the bank is done by the Board of
Directors, consisting of eleven members shall be elected by the
General Body. Two seats are reserved for the SC/ST, another for
women. The term of the office of the committee is five years. The
committee shall elect the President, Vice President and office
bearers accounting to the bye-laws. The service of the Directors are
honorary. The Secretary is the Chief Executive of the Society and is
appointed by the committee with the approval of the Registrar. The
bye-laws will clearly state the duties responsibilities of all the
members.

VISION OF THE BANK

Following are the vision of the bank.

1. To encourage the standard of living, self dependency and

mutual help.
2. To contribute toward national economic development by
participating in the growing financial service section.

MISSION OF THE BANK

To retain performance on the Parameter, banks are
committed to excellence satisfaction and to play a leading role in
expanding and diversifying financial service sector, which continuing
emphasis on its development banking role.
MEMBERSHIP
The bank has three types of shares namely, A,B and C, the
‘A’ class shares is given to the person we reside permanently under
the area of operation of the bank should be aged above 18years.
He should be a sound minded person. The ‘B’ class shares is Rs.100,
for enrolling in kuries, make gold loan and enrolling in left irrigation.
The bank provides ‘C’ classes shares by paying Rs.Five as fee. The
bank following the rues of Kerala Co-operative Societies Act 1969,
for the admission and removal of membership.
ORGANISATION STRUCTURE

Secretary

Assistant Secretary

Chief Accountant

Manager

Internal Auditor

Accountant

Senior Clerk

Junior Clerk

Attender

Peon
 DEPOSITS
Deposits are life blood of banking industry accounting for
about 98% of bank liabilities and other activities of the bank are
chiefly dependent upon deposits. The various deposits schemes
provided by Pattithara Service Co-operative Bank includes saving
deposit, fixed deposit, recurring deposit and daily deposits.

The co-operative bank offer different types of deposits they are:

a. SAVING BANK DEPOSITS:

Saving Bank accounts are mainly meant for non-trading

customers. It is generally preferred by middle and low income group
who can deposit only small sums. Salaries classes of lower and
middle income group, farmers or small traders mainly open such
accounts. Commercial bank accept saving deposits. It is mainly
done encourage the saving habit of the people. These accounts are
meant for middle and low income groups. It can be opened with a
minimum account of Rs.5. there is variations in the minimum
account to be kept by different banks. The minimum balance is
Rs.500 for saving accounts with cheque facility in urban centres and
metro cities branches State Bank of India. Proper satisfactory
introduction is required for opening saving bank accounts. The rate
of interest paid is less than the rate of interest paid on fixed
deposits.

b. FIXED DEPOSITS:

The fixed deposit means deposits repayable after the expiry of a

certain period, which ordinarily varies from three months to five
year. They also known as time deposit. Customers usually offer
c. MORTAGE LOAN

A mortgage is the transfer of an interest in specific a movable

property for the purpose of securing the payment of money
advanced or to be advance by way of loan existing or future debt or
the performance of an engagement with may give rise to a
transferee a mortgage. The principle money and the interest of
which payment is secured for the time being are called the
mortgage money and the instrument by which the transfer is
affected is called the mortgage deed. The term immovable property
includes land, building and similar other assets.

d. DEPOSIT LOAN

These loans are given to the members who have fixed deposit in
the same bank. Loans are provided on the security of fixed deposit
receipt. 80 percent of the deposit amount can be taken as a loan
from the bank and interest on this loan will be two percent more
than the rate of interest on deposit. The loan amount should be
repaid before the expiry of the deposit.
 RESEARCH METHODOLOGY
It is essentially a systematic enquiry seeking facts through
objective variable method in order to discover the relationship
among them.

A. OBJECTIVE OF THE STUDY

 To study and analysis the various types of deposits and loans.
 To understand the procedure of different deposits schemes
 To make suggestions and recommendation based on the
finding of the study.
 To analyse the saving habits of customers.

B. SOURCES OF DATA
Data collection is a process of gathering and measuring
information on variables of interest, in an established systematic
fashion that enables one to answer stated that enables one to
answer stated research questions. Test hypothesis and evaluate
outcomes. In the project data is manually collected from primary
and secondary sources. Secondary data refers to the data which is
already published, Books, Journals, etc... are same of the examples
of secondary data. For this study, previous reports of the
organisation, reference books etc..have been used. Primary data
those which are collected by investigator himself for the first time
and they are original in character. For convenience I have selected
secondary data for this study.

C. METHOD OF DATA COLLECTION

There are two methods :-

1. Census method
2. Sample method
 The census method involves a complete enumeration of all units
of the population or universe. Census method enables to yield
correct factual data. The type enquiry involves great deal of time,
money and energy. Although the census method gives correct
factual information it may be in complete, inadequate and
inaccurate. When the universe is small it is better to adopt sample
method for collection of information. For this purpose of study I
have selected 5 years data only.

D. TOOLS AND TECHNIQUES

There are various tools for the analysis of study. They are
interview, graph, schedule, percentage, Ratios, comparative
statements, balance sheet analysis, trend analysis, working capital
analysis, questionnaire and all the statistical percentage and graph.
E. SAMPLING DESIGN
Sampling design is a design, or a working plan that specifies the
population frame, sample size, sample selection and estimation
method in detail. A sample design is a definite plan for obtaining a
sample from a given population, it refers to the techniques or the
procedure the researcher would adopt in selecting items for
sample. I have selected 5 year data for the purpose of study.
F. LIMITATION OF THE STUDY
The major limitation of the study include ;
 Busy time schedule of employee create a problem to get the
responses.
 Time is a constraint
 Money is a constraint
 For the purpose of study I have selected 5 year data only.
 The period of the study was limited.
 CHAPTER 2
REVIEW OF LITERATURE
 REVIEW OF LITERATURE
1. The literature relating to sources of credit and credit
utilization, repayment and overdues, factors influencing
overdues and various aspects, issues of this study through the
review of existing literature have been discussed below.

2. BRUCE.C.COHEN and GEORGE.G.EAUFMAN (2007) in their

study on “factors determining bank deposit growth by state”
found that, bank deposit are one of many forms in which liquid
wealth may be held. As a medium of exchange, demand
deposit are an alternative to currency, particularly for
individual and small business firms.

3. MAYA.R.KRISHNAN (2002) in this study on “working the Kerala

State Co-operative Bank” stated that while granting loan and
advances, the bank should give preference to small scale
sector. This leads to give more employment opportunity
mainly in rural areas and takes strict measures for collection of
the outstanding loans in time.

4. BHATIA (1975) revealed that per farm borrowing was higher on

the large farms but per hectare borrowing was higher in small
farms. Borrowed fund accounted for 46.6% of the total
investment on the small farms and 20.9 percent in large farms.
Overall, the investment per hectare of operated land was
active and provided 40 percent of the credit to both types of
farms. However, the commercial bank concentrated on large
farms only.

5. GHAR and GANGWAR (1975) have made a study in two blocks

(Guargaon and Palad) of Gurgaon District of Haryana. They
found that on an average, in the two blocks understudy, 54.31
percent of the short term credit was used for unproductive
 purpose whereas it worked out to 20.37 percent in respect of
medium and long term credit. Thus short term credit was
more misutilised then medium and long term credit by the
small farmers.

6. SING (1975) studies the role of credit institutions in meeting

the need of the rural poor and also the participation of
different institutions in providing rural institution in providing
rural credit in Muzzafarpur District of North Bihar. The major
share in total agricultural credit advanced by organised credit
institutions during the period 1972-75 was accounted by LDB
(50%) followed by co-operatives 22 percent, commercial banks
20% and Government 8% among the different sources of credit
in unorganized sector the money lenders finance
predominated, accounting for about 90% of the borrowing per
household on an average.

7. DEO (1976) in this study on problems of agricultural credit

allocation, emphasized that the problem of credit allocation in
agricultural was immense and required adequate attention. He
was suggested that the financial expert, social scientists and
team of bank personnel have to work together and have to
make micro level planning for expansion of credit.

8. SWIDHA and CHAND (1981) , an analysing the pattern of credit

distribution and overdues,, have found that there was inverse
relationship, between the overdues and credit advanced to
different farm categories. They have further found that most
of the small farmers were non-willful defaulters whereas most
of the medium and large farmers were wilful defaulters. They
have suggested thatin order reduce the overdue of small
farmers, their income should be increased through additional
investment by way of adoption of improved method of
cultivation while the overdue of large farm could be reduced
by taking strict action agaist term.
9. A.R.VISWANATH has made an attempt to analysis the
performance of agriculture credit co-operative and their
overdues problems in India in 2001. Initially, an attempt is
made to assess the overall performance of agricultural credit
co-operatives, by using the development index. It is followed
by an analysis relating to the nature and extent of overdues
problems by using correlation co-efficient technique. Finally, it
highlights the main factors causing mounting overdues and
suggests remedies to mitigate the same in the coming years.
They are:

(a) The seasonality in disbursement andrecovery of loans

should be strictly adhered to by credit co-operatives.
(b) In order to minimize the problem of overdues, urgent
steps must be taken to create recovery call in each
district headed by a district judge.
10. KADRIA.P and CHADAI .SS (2006) in this study on
“Performance pf rural credit delivery system of scheduled
commercial bank’s revealed that there is no denial to
scheduled commercial banks especially in the past economic
reforms period, but there is an urgent need to have fresh
thinking on equity and adequacy of credit.

11. SATHISH.O and BALA BARATHI Y(2005-2006) In their study on

“Indian banking coming of age-suggestted that management of
a bank takes initials decisions depending on its risk perception.
The rate of total advances to deposits indicates the ability of a
bank in converting its deposits into higher earning advances.

12. CHRIS O UDOKA (2015) In his study on “Bank Loan and

advances: Antidote for restructuring the agricultural in Nigeria,
1985-2012- noted that there was a significant relationship
between bank’s loans and advances and agricultural growth in
Nigeria.
 This chapter dealt with review of literature both conceptual
and empirical. The next chapter deals with the percentage
growth analysis of deposits and loans over past five years.

End Notes

2ndBruie C Cohen and George G Kaufman, “factors determining Bank

deposit growth by state”. The ICF journal of bank, Management
March 2007, volume 20,ppp 21-25.

3rd Maya R Krishna, “working of the Kerala State Co-operative

Bank”. Hzdian banking today and tomorrow, April 2002, volume 35,
pp 80-85.

4thBhatia.J.p, “Problems of small farmimg – A case study of Tribals

(UP)”. Indian Journal of Agricultural Economic, 1975, P.240.

5thGhar R.K. and Gangwar A.C “Small farmers and utilization of SFDA
credit in District Gurgaon (Haryana) Financing agriculture, 1975.

6th Singh R.P. “Study of rural credit structure in Muzaffarpur District,

Bihar “Financing agriculture, 1975.

7th DEO.S. “Problems of Agricultural credit a allocation: Rura India

1976.

8thSwidha D.S and Chand R “Distribution of agricultural credit and

concentration of overdues in Punchab.Financing of Agriculture,
1981.

9th A.R. Viswanath (2001) An analysis of the performance of

agricultural credit co-operative and their overdues problems in
India, Indian co-operative Review, July.
10thP.Katania and SS Chadal. “Performance of rural credit delivery
system of scheduled commercial bank”. Southern Economist,
Volume 45(11), 2016.

11thD.Sathish and Y.BalaBharathu.“Indian Banking coming of Age”

Indian banking 2005-2006, Oct 2006.

12thG.Christ O Udoka , Bank Loan and advances: Antidote for

restructuring the agricultural in Nigeria, 1985-2012”, International
journal of Research studies and management, volume 2, March
2015, pp 9-18.
 CHAPTER - 3
DATA ANALYSIS AND INTERPRETATIONS
SAVING DEPOSITS

3.1 Table showing saving deposits

% OF
YEAR AMOUNT
GROWTH
2012-2013 983.47 15.9
2013-2014 1282.72 30.47
2014-2015 1665.40 29.83
2015-2016 1529.46 -8.16
2016-2017 1792.82 17.21
(Source: Compiled from annual reports)

The above table shows that the savings deposit has undergone the
fluctuating trend. During the upcoming years, the amount of
savings deposit is increased except the financial year 2016-2917. It
shows the lowest growth rate of -8.16% The financial years 2013 to
2014 shows the highest growth rate of 30.47%.

DAIGRAM 3.1

Percentage growth of saving deposit.

35
30
25
20
15
10
5
0
-5 2012-2013 2013-2014 2014-2015 2015-2016 2016-2017

-10
-15

The diagram shows that percentage growth of saving deposit is

facing a fluctuating trend. The graph shows the increasing growth
rate up to the year 2011-2015 and decrease in trend from the year
2015-2016. The highest growth rate is 30.47% in the year 2013-
2014 and the lowest growth rate is -8.16 in the year 2015-2016.
FIXED DEPOSIT

3.2 Table showing Fixed Deposit.

YEAR AMOUNT PERCENTAGE

2012-2013 12104.01 41.63
2013-2014 15508.62 28.13
2014-2015 19810.30 27.74
2015-2016 25798.19 30.23
2016-2017 32676.13 26.66
(Source: Compiled from annual reports)

From the above table, it is clear that the fixed deposits of the bank
shows an increasing trend. The financial year 2012-2013 shows that
the amount of fixed deposits is Rs.12104.01 lakh, but, it reached to
Rs.32676.13 lakh in 2016-2017 with a growth rate of 26.60 percent.

DIAGRAM 3.2

Percentage growth of Fixed Deposits.

45
40
35
30
25
20
15
10
5
0
2012-2013 2013-2014 2014-2015 2015-2016 2016-2017

The diagram shows the percentage growth rate of fixed deposits for
five year. The highest growth rate is 30.23 percent in the 2015-2016
and the lowest growth rate is 26.66 percent in the year 2016-2017.
RECURRING DEPOSITS

3.3 Table showing Recurring Deposit.

YEAR AMOUNT PERCENTAGE

2012-2013 85.32 -11.01
2013-2014 101.58 19.06
2014-2015 107.90 6.22
2015-2016 99.17 -8.09
2016-2017 122.77 23.79
(Source: Compiled from annual Reports)

The above table shows that during the year 2012-2013, the
recurring deposit was Rs.85.32 lakhs. The financial year 2013-2014
shows the lowest growth rate of -11.01 percent. In short, the
recurring deposit has undergone a fluctuating trend.

DIAGRAM 3.3

Percentage Growth of Recurring Deposits.

30
25
20
15
10
5
0
-5 2012-2013 2013-2014 2014-2015 2015-2016 2016-2017

-10
-15

The diagram shows a decreasing trend in the percentage growth

rate of recurring deposits except in the year 2013-2014. In the year
2016-2017 it reaches to the highest growth rate of 23.79 percent.
DAILY DEPOSITS

3.4 Table showing Daily Deposits.

YEAR AMOUNT PERCENTAGE

2012-2013 45.95 -12.18
2013-2014 110.92 141.39
2014-2015 148.30 33.70
2015-2016 158.38 6.80
2016-2017 141.71 -10.52
(Source: Complied from Annual reports)

The above table shows a increasing trend in the amount of daily

deposits except the period 2012-2013. The amount of daily
deposits has increased from Rs.45.95 lakhs in 2012-2013 to Rs.141.7
lakh in 2016-2017. The highest growth rate is -12.18 percent in
2012-2013.

DAIGRAM 3.4

Percentage Growth of Daily Deposits.

160
140
120
100
80
60
40
20
0
2012-2013 2013-2014 2014-2015 2015-2016 2016-2017
-20

The above diagram shows a fluctuation trend in the percentage

growth of daily deposits for five years. The highest growth rate if
14.139 percent in the year 2013-2014 and the lowest growth rate if
-12.18 percent in the year 2012-2013. The growth rate of the latest
year 2016-2017 is -10.54 percent.
 TOTAL DEPOSITS

Table 3.5
DEPOSIT SCHEMES
2012-2013 to 2016-2017

(Rs. In lakhs)
2012- 2013-
ITEMS 2014-2015 2015-2016 2016-2017 TOTAL
2013 2014
Saving
983.14 1282.72 1665.40 1529.46 1792.82 7253.54
Deposits
Fixed
12104.01 15508.62 19810.30 25798.19 32676.13 105897.25
Deposits
Recurring
85.32 101.58 107.90 99.17 122.77 516.74
Deposits
Daily
45.95 110.92 148.30 158.38 141.71 605.26
Deposits
Total 13218.45 17003.84 21731.90 27585 34733.43 114272.79
(Source: Compiled from Annual reports)

The table shows the different deposits for the past five years. From
the above data we can the amount of fixed deposits is more than
the other deposits.

3.2 ADVANCES

Lending one of the primary functions of the bank. Loan is a

major item on the asset side of the balance sheet and is major
contribution revenue or profit of a bank which in turn is necessary
for the survival. The various loan schemes provided by Karuvannur
Service Co-operative Bank include Gold Loan, Mortgage Loan,
deposit, Ordinary Loan and business overdraft.
GOLD LOAN

3.6 Table showing Gold Loan.

YEAR AMOUNT PERCENTAGE

2012-2013 2610.32 35.05
2013-2014 3927.53 50.46
2014-2015 3532.86 -10.05
2015-2016 3509.95 -0.65
2016-2017 2779.30 20.81
(Source: Completed from Annual reports)

From the above data, we can say that there is a fluctuating trend in
the amount of gold loans. The above table shows in increasing
trend in the amount of Gold loans in 2012-2017. The amount of
Gold loan has increased from Rs.2610.32 lakh in the year 2012-2013
to Rs.3927.53 lakh in 2013-2014. The current growth rate is 50.46.

DIAGRAM 3.6

Percentage Growth of Gold Loan.

60

50

40

30

20

10

0
2012-2013 2013-2014 2014-2015 2015-2016
-10

-20

The above diagram clearly shows a fluctuation trend in the

percentage growth of gold loan. The highest growth rate of gold
loan in 50.46 percent in the year 2013-2014. The lowest growth
rate is -10.05 percent in the year 2014-2015.
 ORDINARY LOAN

3.7 Table showing Ordinary Loan.

PERCENTAGE OF
YEAR AMOUNT GROWTH
2012-2013 53.18 1.18
2013-2014 88.13 65.72
2014-2015 102.90 16.76
2015-2016 140.32 36.37
2016-2017 160.12 14.11
( Source: Complied from Annual reports)

The above table shows an increasing trend in the amount of

ordinary loans of the financial years 2012-2017. The amount of
ordinary loans has increased from Rs.53.18 lakh in the year 2012-
2013 to Rs.160.12 lakh in 2016-2017. The current growth rate is
14.11 percent.

DIAGRAM 3.7

Percentage Growth of Ordinary Loans.

70

60

50

40

30

20

10

0
2012-2013 2013-2014 2014-2015 2015-2016 2016-2017

The above diagram clearly shows a fluctuating trend of growth rates

in ordinary loans. The highest growth rate of ordinary loans is 65.72
percent in the year 2013-2014. The lowest growth rate is 1.18
percent in the year 2012-2013. The growth rate of the latest year is
14.11 percent.
MT MORTAGE

3.8 Table showing MT Mortgage.

PERCENTAGE OF
YEAR AMOUNT GROWTH
2012-2013 2463.21 74.42
2013-2014 5113.04 107.58
2014-2015 7760.61 51.78
2015-2016 10307.87 32.82
2016-2017 16757.78 62.57
(Source: Completed from Annual reports)

The table clearly shows a increasing trend in the amount of MR

mortgages where the amounts are increasing in a decreasing
manner. The amounts have increased from Rs.2463.21 lakh in
2012-2013 to Rs.16757.78 lakh in 2016-2017. The highest growth
rate is 107.58 percent in 2013-2014.

DIAGRAM 3.8

Percentage Growth of MT Mortgage

120

100

80

60

40

20

0
2012-2013 2013-2014 2014-2015 2015-2016 2016-2017

The diagram shows that the percentage growth of MT mortgage

have a fluctuating trend among the five year. The highest growth
rate is 107.58 percent in the financial year 2013-2014. The financial
year 2015-2016 shows the lowest rate of 32.82 percent.
BUSINESS OVERDRAFT

3.9 Table showing Business Overdraft.

PERCENTAGE OF
YEAR AMOUNT GROWTH
2012-2013 4771.91 17.84
2013-2014 4632.55 -2.92
2014-2015 5993.84 29.39
2015-2016 9741.14 65.52
2016-2017 9982.61 -2.47
(Source: Compiled from Annual reports)

The above table shows an increasing trend of business overdraft

except in the financial year 2013-2014. It has increased from
Rs.4632.55 lakh in these five years. In short, it can observe that
there is an increasing growth rate in business overdraft over the
past five years.

DIAGRAM 3.9

Percentage Growth of Business Overdraft

70
60
50
40
30
20
10
0
2012-2013 2013-2014 2014-2015 2015-2016 2016-2017
-10

The above diagram shows an increasing trend in the percentage

growth rate of business overdrafts except in the year 2016-2017.
The highest growth rate is 62.52 percent in the year 2015-2016
which is also the current year’s growth rate. The lowest growth rate
is 84.62 percent in the year 2016-2017.
DEPOSIT LOAN

3.10 Table showing Deposit Loan

PERCENTAGE OF
YEAR AMOUNT GROWTH
2012-2013 381.66 79.02
2013-2014 411.14 7.72
2014-2015 497.22 20.94
2015-2016 604.85 21.65
2016-2017 733.27 21.23
(Source: Compiled from Annual reports)

The above table shows an increasing trend in the amount of deposit

of the financial years 2012-2017. The amount of deposit loan has
increased from Rs.381.66 lakh in the year 2012-2013 to Rs.733.27
lakh in the year 2016-2017. The highest growth rate is 79.02 percent
in the year 2012-2013.

DIAGRAM 3.10

Percentage Growth of Deposit Loan

100

80

60

40

20

0
2012-2013 2013-2014 2014-2015 2015-2016 2016-2017

The above diagram clearly shows a fluctuation trend growth

rate of deposit loan. The highest growth rate of deposit loan is 79.02
percent in the year 2012-2014. The growth rate of the latest year is
21.23 percent.
 TOTAL DEPOSITS

Table 3.11

LOANS SCHEMES

2012-2013 to 2016-2017

(Rs.In lakhs)

ITEMS 2012-2013 2013-2014 2014-2015 2015-2016 2016-2017 TOTAL

Gold
Loans
2610.32 3927.53 3532.86 3509.95 2779.30 16359.96
Ordinary
Loans
53.18 88.13 102.90 140.32 160.12 1031.75

MT
Mortgag 2463.21 5113.04 7760.61 10307.87 16757.78 42402.51
e Loan
Business
Overdraf 4771.91 4632.55 5993.84 9741.14 9982.61 35122.05
t
Deposit
Loan
381.66 411.14 497.22 604.85 733.27 2628.14

Total 10580.28 14172.39 17887.43 24304.13 30413.08 107244.41

The above table shows the different loans for the past five
years. It is seen that the amount of MT mortgage loan is more than
the other loans. The second largest portion is contributed by the
business overdraft as compared to the rest.
 FINDING, CONCLUSION AND SUGGESTIONS
1. The percentage growth of saving deposits shows a fluctuating
trend. During the financial year 2015-2016 it shows the lowest
growth rate of -8.16 percent.
2. The percentage growth of fixed deposit shows the highest growth
rate of 41.63 percent in the year 2012-2013.
3. The recurring deposits of the bank shows a fluctuating trend
except in the year 2016.2017 with the growth rate of 23.79.
4. The percentage growth of daily deposits shows on increasing trend
in the year 2015-16 it shows the highest growth rate of 158.38
percent.
5. The percentage growth of changes in total deposits having a
fluctuating trend.
6. The major portion of total deposits is contribution by fixed
deposits.
7. The percentage growth of gold loan shows a fluctuating trend and
the highest growth rate of 50.46 percent in the year 2013-2014.
8. The highest growth rate of ordinary loan is 65.72 percent in the
year 2013-2014.
9. From the analysis of percentage growth of MT mortgage shows a
increasing trend and current year recording a growth rate of 62.57
percent.
10.The analysis of business overdraft lead to the conclusion that is
shows on fluctuating trend except in the year 2013-2014 with the
rate of -2.92 percent.
11.The analysis of the deposits loan shows a fluctuating trend and the
highest growth rate is 79.02 percent in the year 2012-2013.
12.From the analysis of percentage growth of changes in total loans it
sows a fluctuating trend.
13.From the analysis of total loans for the all the five years business
overdraft and MT mortgage are the major advance area of the
bank.
 SUGGESTIONS
1. The bank should assess the repaying capacity of the borrower
before lending loans.
2. The bank should be vigilant in the recovery of loan amount.
3. Adequate information about new schemes should be provided to
the public.
4. To bring out more innovative products of deposit and non-
schemes.
5. Strengthen the internal check system.
6. The bank should exercise adequate on the utilization of loans.
7. The bank can give effective advertisements on its products.
CONCLUSION
A co-operative bank is a socio-economic institution that plays an
important role for the development of its members Pattithara
Service Co-operative society also aimed at promoting the economic
intrest of its members by complying with co-operative principles
and provisions of bye-law. The major function of the bank is to
accept deposits and lending loans to its members. Loans are issued
in proportion to the deposits. The deposit of the bank is sufficient
to meet its requirement. The bank is facing certain problems in the
recovery of loans. This is the major problem to be remedied.

From the study it is able to find out that the resource of the
bank is effectively utilized for providing loans. The bank off
different type of deposits for increasing the saving habits of
members. The bank provide financial assistance to farmers &
traders, co-operative banks can performs better by mobilizing
surplus resources or funds from the Urban and rural people and
meet the most urgent task of financing agricultural and small
industries.

From this study it was clear that company gives much

importance their deposit mobilization & grant loans & advances to
farmers & small farmers. However attempts should be taken to
promote the further developments of the bank by bringing more
innovative products of deposits and loan schemes.
 BIBLIOGRAPHY
A: BOOKS

 VasantPesai, “Fundamentals of the Indian financial system new

challenger, New initiatives” New Delhi :Himalayal Publishing
Housse, 1998.
 Vasudevan.S.V, “Theory of Banking”, New Delhi:S.Chand and
company Ltd.,2002.

B: JOURNALS

 Geetha Sharma and Ganesh Kawadia, “Efficiency or Urban Co-

operative Bank of Maharashtra”, The ICF Journal of bank
management, Nov.2006, Volume 5, pp 15-18.
 Maya R Krishnan, “Working of the Kerala State Co-operative
Bank”, Indian banking today and tomorrow, April 2002 volume
35, pp 80-85.
 Katania P and Chandal S.S “Performance of rural credit delivery
system of scheduled commercial banks”. Southern economist,
Volume 45(ii), 2006,pp 9-12.
 Sthish D and Balabarathi Y; “Indian Banking coming of Age”
Indian Banking 2005-2006, Oct.2006,Volume 12, pp 8-13.
 Chris O Octoka, “Bank Loan and advances: Antidote for
restructuring the agricultural in Nigeria, 1958-2012”,
International Journal of Research studies and management,
volume 2, March 2015, pp9-18.

C. WEBSITES

 www.wiki pedia.com
 www.google.in
 www.kscb112.com