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THE STYDY OF LOAN PROCESS IN CO_OPERATIVE BANK
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DECLARATION
I, SATENDRA RAMSHARIKH CHAUHAN A STUDENT OF YESHWANTRAO

CHAPHEKAR COLLEGE OF COMMERCE AND MANAGEMENT , PALGHAR DIST:-
PALGHAR, PIN:- 401 404 STUDYING IN T.Y.BAF HEREBY DECLARE THAT I HAVE
COMPLETED THIS PROJECT ON “LOAN PROCEDURE IN CO-OPERATIVE BANK .”
DURING THE ACADEMIC YEAR 2018-19. THE INFORMATION SUBMITTTED IS TRUE
AND ORIGINAL TO THE BEST OF MY KNOWLEDGE.
DATE: SIGNATURE OF STUDENT
PLACE: PALGHAR
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CERTIFICATE
I, PROF. DR. PRAFULLA ZODAPE, HEREBY CERTIFY THAT

SATENDRA.R.CHAUHAN. OF the YESHWANTRAO CHAPHEKAR COLLEGE OF
COMMERCE AND MANAGEMENT, PALGHAR DIST:- PALGHAR, PIN:- 401 404 OF
T.Y.BAF HAS COMPLETED HER PROJECT ON “LOAN PROCEDURE IN CO-
OPERATIVE BANK .” DURING THE ACADEMIC YEAR 2018-19. THE INFORMATION
SUBMITTED IS TRUE AND ORIGINAL TO THE BEST OF MY KNOWLEDGE.
PROF. DR. PRAFULLA ZODAPE SIGNATURE OF THE
SIGNATURE OF PROJECT PRINCIPAL OF THE COLLEGE

GUIDE
SIGNATURE OF CO-ORDINATOR SIGNATURE OF
EXTERNAL EXAMINER
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ON
“LOAN PROCEDURE IN CO-OPERATIVE BANK”

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SUBMITTED TO THE UNIVERSITY OF MUMBAI IN THE PARTIAL FULFILLMENT OF THE DEGREE
BACHELOR OF ACCOUNTING & FINANCE.
SUBMITTED By
SATENDRA R CHAUHAN
T.Y.BAF
SEAT NO.:
ACADEMIC YEAR: 2018-2019
PROJECT GUIDE:
PROF. DR PRAFULLA ZODAPE

SUBMITTED TO: UNIVERSITY
OF MUMBAI
YESHWANTRAO CHAPHEKAR COLLEGE OF COMMERCE AND MANAGEMENT, PALGHAR DIST: PALGHAR PIN:
401404
UNIVERSITY OF MUMBAI
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ACKNOWLEDGEMENT
If words are considered as a symbol of approval and token of appreciation

then let the words play the heralding role expressing my gratitude. My successful
completion of this project report involved more than just my desire to earn a
valued degree working on this project has presented me with many insights and
challenges.
I would like to thank the university of Mumbai for introducing bachelor of

management studies course, thereby giving its student a platform to abreast with
changing business scenario, with the help of theory as a base and practical as a
solution- I am also thankful to the management of
YESHWANTRAO CHAPHEKAR COLLEGE OF PALGHAR for making all
the facilities available and espousing the cause of the research. I would like to
thank our honorable principal DR.PRAFULLA ZODAPE
I would like to express my earnest gratitude to Prof. Shreya Mishra for her
superlative guidance and unflinching support throughout the project work. No
development would have been feasible had it not been for their excellent
supervision, constant encouragement and careful perusal, in completion of the
project successfully.
Last but not the least; I would like to thank my parents & teachers for giving the
best education and friends for their support and feelings without which this project
would have not been possible. Many others without whose invaluable help and
expert advice this project would not have been the same ought to be cited.
With the completion of my project entitled “LOAN PROCEDURE IN COPERATIVE

BANK.”
-SATRNDRA R
CHAUHAN
INTRODUCTION
Finance is the life blood of trade commerce and industry. Now-a-day’s bank money acts as the
backbone of modern business. Development of any country mainly depends upon the banking
system.
The term bank is derived from the French word Banco which means a Bench or Money exchange
table. In olden days, European money lenders or money changers used to display (show) coins of
different countries in big heaps (quantity) on benches or tables for the purpose of lending or
exchanging.
A bank is a financial institution which deposits and advances and other related services money
from those who want to save in the form of deposits and it lends money to those who need it.
1.2 DEFINITION OF BANK

Oxford Dictionary defines a bank as "an establishment for custody of money, which it pays out on
customer's order.
1.3 BANKING SECTOR- AN OVERVIEW

Banking in India originated in the last decades of the 18th century. The oldest bank in existence in
India is the State Bank of India, a government-owned bank that traces its origins back to June 1806
and that is the largest commercial bank in the country. Central banking is the responsibility of the
Reserve Bank of India, which in 1935 formally took over these responsibilities from the then
Imperial Bank of India, relegating it to commercial banking functions. After India's independence
in 1947, the Reserve Bank was nationalized and given broader powers. In 1969 the government
nationalized the 14 largest commercial banks; the government nationalized the six next largest in
1980.
Currently, India has 88 scheduled commercial banks (SCBs)-27 public sector banks (that is with
the Government of India holding a stake), 31 private banks (these do not have government stake;
they may be publicly listed and traded on stock exchanges) and 38 foreign banks. They have a
combined network of over 53000 branches and 17.000 ATMs. According to a report by ICRA
Limited, a rating agency, the public sector banks hold over 75 percent of total assets of the Banking
industry, with the private and foreign banks holding 18.2 % and 6.5° res
The Indian baking sector comprises 26 state sector banks, besides a number of private as well as
cooperative sector players.
The banking sector in India has made significant progress in the last five years- the growth is. well
reflected through parameters including profitability, annual credit growth, and decline in non-
performing assets (NPAs). In the last decade, the sector witnessed many positive developments,
as policy makers which comprise the Reserve Bank of India (RBI), Ministry of Finance and
associated government and financial sector regulatory entities, made several distinguished efforts
to improve regulation.
Worth noting is the fact that India's banking sector has been one of the very few ones that have
actually been able to maintain resilience without much impacting the growth process.
Growth in the sector has been favored by factors including low defaulter ratio, strong economic
Growth, central bank's regular intervention and pre-emptive adjustment of monetary policy.
India has the potential to become the third largest banking sector by 2050 after China and US,
according to a PricewaterhouseCoopers (PwC) report titled "Banking In 2050". The report states
that India has particularly strong long-term growth potential.
 Indian Banking Sector-Key Drivers

The banking sector in India is expected to have another good year during 2011, with growth Being
propelled by factors such as good economic growth, favorable demographics and low Penetration,
according to a report titled ‘Indian banks are likely to ride an economic growth wave’, by research
firm Standard & Poor's
 The country's economy grew by 8.S per cent in the last fiscal and the government expects
the growth impetus to continue this year as well
 More than 50 per cent of India's population is under the age of 30 years, which is a major
target group for banks
 Penetration of banking serv1ces in the country remains low. The government has set targets
to provide banking facilities to all areas with a population of over 2,000 by March, 2012
 Indian Banking Sector-Key Statistics

The banking sector in India is well capitalized, with capital ratios s being above the global average.
The average tier-1 Capital Adequacy Ratio (CAR) of the Indian banking industry is above 10 per
cent compared to the Basel III norm of s.5 per cent including the contingency buffer. Moreover,
the Reserve Bank of India. in is Financial Stability Report (FSR) has also asserted that the sector
remains well capitalized with both core capital adequacy and leverage ratios at comfortable level.
Efficient internal capital generation, fairly active capital markets, and strong support from the
Government ensured good capitalization for most banks. The overall CAR reached 14 per cent as
on March 31, 2011. High levels of public deposits also ensured a comfortable liquidity profile
The total assets size of the banking industry rose by more than five times between March 2000 and
March 2010 - from US$ 250 billion to more than US$ 1.3 trillion - a Compound Annual Growth
Rate (CAGR) of 18 per cent compared to the average GDP growth of 7.2 per cent during the same
period.
During the last five years, while the annual rate of credit growth was 23 per cent, profitability was
maintained at around 15 per cent.
While the Indian banking sector is characterized by the presence of a large number of players, top
10 banks accounted for a significant 57 per cent share of the total credit as on March 31, 2011.
Nationalized banks accounted for 52.2 per cent of the aggregate deposits, with State Bank of India
(SBI) and its Associates accounting for 22.1 per cent. The share of new private sector Banks,
foreign banks, old private sector banks, and regional rural banks aggregate deposits was 13.3 per
cent, 4.8 per cent, 4.6 per cent and 3.0 per cent, respectively, according to RBI's Quarterly Statistics
on Deposits and Credit of Scheduled Commercial Banks, December 2010.
With respect to gross bank credit, nationalized banks had the highest share of 51.6 per cent in the
total bank credit. They were followed by SBI and its associates at 22.7 per cent and new private
sector banks at 13.7 per cent. Foreign banks, old private sector banks and regional rural banks had
comparatively lower shares in the total bank credit at 5.l per cent, 4.5 per cent and 2.5 per cent,
respectively.
India’s foreign exchange reserves were US$ 314.6 billion as on July 8, 2011, according to the data
in the weekly statistical supplement (WSS) released by RBI.
Indian bank loan increased by 19.9 per cent year-on-year (y-o-y) as of July 1, 2011, according to
the central bank’s WSS. Deposits rose by 18.4 per cent from a year earlier.
 Indian Banking- Trends& Developments

The last three decades have demonstrated a significant increase in the size, spread and scope of
activities of banks in India. The business profile of banks has changed significantly to include non-
traditional activities such as merchant banking, new financial services, mutual funds, etc. The
evolution from class banking to mass banking and rising customer focus is immensely changing
the landscape of Indian t banking.
 Payments and banking transactions through mobile phones in India are likely to reach US$
350 billion by 2015, according to global management consulting firm, The Boston
consulting Group (BCG). This, in turn, will provide banks, telecom operators, device
makers and service providers an opportunity to earn fee income of US$4.5 billion
 With an objective of increasing the financial inclusion, the SBI has opened 21 new
branches, besides, 101 new Automatic Teller Machines (ATMs) and 400 green channel
counters.
 Around 350,000 villages spanning the entire India a would have access to financial services
offered by banks in the next two financial years, according to a plan given by banks to the
RBI. RBI has directed banks to ensure that 223.473 villages have a to basic financial
services by March 2012
 . Three local banks have partnered with a global financial technology firm- Polaris
Software with its headquarters in India - to establish a joint venture IT C in Bangladesh.
The company would start with providing software solutions to these three banks before
selling customized services to other banks, non- financial institute and insurance
companies respectively.
 Commercial Banks:
In 1969, fourteen major commercial banks were nationalized in 1980, six more commercial banks
were nationalized. The State Bank of India and its subsidiaries are also own by the central
government. After this amendment the existing structure has evolved in
 Public sector
 Private sector
Public sector banks have either the Government of India or Reserve Bank of India as the majority
shareholder. This segment comprises of
 State Bank of India (SBI) and its subsidiaries.
 Other nationalized banks.
Private sector banks consist of

 Scheduled Commercial Banks
 Unscheduled Banks
 Scheduled commercial Banks constitute those banks which have been included in the
schedule of Reserve Bank of India (RBI) Act, 1934. RBI in turn includes only those
banks in this schedule which satisfy the criteria laid down vide section 42 (60 of the Act.
Some co- operative banks are scheduled commercial banks albeit not all co-operative
banks are. Being a part of the second schedule confers some benefits to the bank in terms
of access to accommodation by RBI during the times of liquidity constraints.
CO-OPERATIVE BANKING
DEFINATION
"A Co-operative bank, as its name indicates is an institution consisting of a number of

individuals who join together to pool their surplus savings for the purpose of eliminating the profits
of the bankers or money lenders with a view to distributing the same amongst the depositors and
borrowers."
The Co-operative Banks Act, of 2007 (the Act) defines a co-operative bank as a co-
operative register as a co-operative bank in term of the Act whose members- Are of similar
occupation or profession or who are employed by a common employer or who are employed within
the same business district; or Have common membership in an association or organization,
including a business, religious, social, co-operative, labour or educational group; or have common
membership in an association or organization, including a business, religious, social, co-operative,
labour or educational group; or Reside within the same defined community or geographical area.
INTRODUCTION
Co-operative bank, in a nutshell, provides financial assistance to the people with small means to
protect them from the debt trap of the moneylenders. It is a part of vast and powerful structure of
co-operative institutions which are engaged in tasks of production, processing. marketing,

distribution, servicing and banking in India. A co-operative bank is a financial entity which
belongs to its members, who are at the same time the owners and the customers of their bank. Co-
operative banks are often created by persons belonging to the same local or professional
community or sharing a common interest. These banks generally provide their members with a
wide range of banking and financial services (loans, deposits, banking accounts. co-operative
banks differ from stockholder banks by their organization, heir goals, their Values and their
governance.
The Co-operative Banking System in India is characterized by a relatively comprehensive network
to the grass root level. This sector mainly focuses on the local population and micro- banking
among middle and low income strata of the society. These banks operate mainly for the benefit of
rural areas, particularly the agricultural sector. According to National Federation of Urban Co-
operative Banks and Credit Societies Ltd., (NAFCUB). the total deposits & lending's Of co-
operative Banks is much more than Old Private Sector Banks & also the New Private Sector Banks.
This exponential growth of Co-operative Banks is attributed mainly to their much better local
reach, personal interaction with customers, and their ability to catch the nerve of the local clientele.
Though registered under Co-operative Societies Act of be Respective States (where formed
originally) the banking related activities of the co-operative banks are also regulated by the Reserve
Bank of India. They are governed by the Banking Regulations Act 1949 and Banking Laws (Co-
operative Societies) Act, 1965.
OVERVIWE OF CO-OPERATIVE BANKS
Co-operative movement is quite well established in India. The first legislation on cooperation
was passed in 1904. In 1914 the Maclagen committee envisaged a three tier structure for co-
operative banking viz. Primary Agricultural Credit Societies (PACS) at the grass root level. Central
co-operative Banks at the district level and State Co-operative Banks at state level or Apex Level.
The first urban co-operative bank in India was formed nearly 100 years back in Baroda
Co-operative Institutions are engaged in all kinds of activities namely production processing,
marketing, distribution, servicing, and banking in India and have vast and powerful superstructure.
Co-operative Banks are important cogs in this structure.
In the beginning of 20th century, availability of credit in India, more particularly in rural areas was
almost absent. Agricultural and related activities were starved of organized, institutional credit.
The rural folk had to depend entirely on the money lenders, who lent often at usurious rates of
interest.
The cooperative banks arrived in Indian the beginning of 20th Century as an official effort to create
a new type of institution based on the principles of -operative organization and management,
suitable for problems peculiar to Indian conditions. These banks were conceived as substitutes for
money lenders, to provide timely and adequate short-term and long-term institutional credit at
reasonable rates of interest.
In the formative stage Co-operative Banks were Urban Co-operative Societies run on community
basis and their lending activities were restricted to meeting the credit requirement of their
members. The concept of Urban Co-operative Bank was first spelt out by Mehta Bhansali
committee in 1939 which defined on Urban Co-operative Bank. Provisions of S n 5 (CCV) of
Banking Regulation Act, 1949 (as applicable to Co-operative Societies) defined an Urban Co-
operative Bank as a Primary -operative Bank other than a Primary Co-operative Society was made
applicable in 1966.
With gradual growth and also given Philip with the economic boom, urban banking sector received
tremendous boost and started diversifying its credit portfolio Besides giving traditional lending
activity meeting he credit requirements of their customers they started catering to various sorts of
customers viz. self-employed, small businessmen/industries, house finance, consumer finance,
personal finance etc.
Categories
There are two main categories of the co-operative Banks.
(a) Short term lending oriented co-operative Banks - within this category there are
three sub categories of banks viz state co-operative banks, District co-operative banks and Primary
Agricultural co-operative societies.
(b) Long term lending oriented co-operative Banks- within the second category the are
land development banks at three levels state level, district level and village level. The co-operative
banking structure in India is divided into following main 5 categories:
1. Primary Urban Co-op Banks
2. Primary Agricultural Credit Societies
3. District Central Co-op Banks
4. State Co-operative Banks
5. Land Development Banks

FORMATION OF CO-OPERATIVE SOCIETY
A Co-operative Society can be formed as per the provisions of the Co-operative Societies Act,
1912. At least ten persons having the capacity to enter into a contract with common economic
objectives, like farming, weaving, consuming, etc. can form a Co-operative Society.
A joint application along with the bye-laws of the society containing the details about the society
and its members has to be submitted to the Registrar of Co-operative Societies of the concerned
state. After scrutiny of the application and the bye-laws, the registrar issues a Certificate of
Registration.
Requirements for Registration:
1. Application with the signature of all members
2. Bye-laws of the society containing:
 Name, address and aims and objectives of the society;
 Names, addresses and occupations of members;
 Mode of admitting new members;
 Share capital and its division.
CO-OPERATIVE BANKS-STRUCTU AND FUNCTIONS

The primary objective of a Co-operative bank is to encourage ‘Thrift and self help' and to raise
resource f deposits. Hence the basic tenet of a Co-operative bank is to encourage the savings habits
of its members. Co-operation is definitely a school of thrift, and co-operative saving create first
the basis of funds, which are then employed for granting credits and for granting credit and the
confidence of depositors and clients.
Another objective of co-operative banks is to lend money to those who may not have acceptable
assets to secure funds, but who is in need of it, especially to the weaker section of the community.
The resources of banks should not be given to a few chosen members. All members are entitled to
get loans and an individual maximum if fixed to avoid the monopolizing of resources by a few.
While lending money, the o-operative banks see that they are properly used for productive purpose.
Then only it would be possible for the borrower to repay the loans in time. The Co-operative
system possesses certain qualities, which eliminate the difficulty encountered by commercial
banks when lending to small borrowers. Co-operative banks are generally local in character and
they have local feel. Therefore, lending by them is more to the needy people of the community and
hence recovery becomes easier. The aim of Co-operative
lending is not to weaken a member by making debt on unbearable burden but to p him to get rid
of financial difficulties by creating assets and to start a new economic life.
The purpose of a co-operative bank is also to offer service to the customer at a reasonable cost. As
profit motive is eliminated, a Co-operative banker can afford to render services at a reasonable
cost. Co-operative banks been enjoying legislative support from the government. In India, they
have been working under the Co-operative Societies Acts of the respective states and have been
provided certain concessions In order to help them to face challenges from commercial banks.
They now have to pay income tax on their income. At present, co-operative Banks have been
providing all modern banking services comparable to that offered by any Commercial Bank.
The functions of Co-operative Banks in India are governed by the Banking Regulation Act. 1949.
The Banking Regulation Act was not applicable to Urban Co-operative Bank till March 1966. I
was made applicable to them with the ultimate objective of protecting customers interest as large
amount of deposits of deposits were at stake. According to section 6 of banking Regulation Act,
Urban Co-operative Banks can conduct following functions.
In addition to normal business of banking, co-operative banks may engage in any one or more of
the following activities namely:
 The borrowing, raising or taking up of money, the lending or advancing of money either
upon or without security, the drawing making accepting discounting, buying, selling,
collecting and dealing of bills of exchange, hundies, promissory notes, Coupons, drafts,
bills of landing, railway receipts, warrants, debentures. certificates, scrip’s and other
instruments and securities whether transferable or negotiable or not the granting and
issuing of letters of credit, travelers cheque, circular notes: the buying and selling of foreign
exchange, securities and investments of all kind, the purchasing and selling of bonds, scrip
or valuables on deposits or for safe custody or otherwise, the providing of safe deposits
vaults: the collecting and transmitting and securities.
 Acting as an agent for any government or local authority or any other persons or persons:
the carrying on of agency business of any descriptions including the clearing and
forwarding of goods, giving of receipts an discharges and otherwise acting as an attorney
on behalf of customers.
 Contracting for public and private loans and negotiating and issuing the same.
 Carrying on and transacting every kind of guarantee and indemnity business.
 Managing, selling and realizing any property which may come into the possession of the
Co-operative bank in satisfaction or part satisfaction of its claims.
 Undertaking and executing trusts.
 The acquisition, construction, maintenance and alteration of any building or works
Necessary or convenient for the purpose of the Co-operative bank.
 Acquiring and undertaking the whole or any part of the business of any persons company
or Co-operative society: when such business is of nature enumerated or described in the
sub-section:
 Doing all such other things as are identical or conducive to the promotion or advancement
of the business of the Co-operative bank.
 Any other form of business which the central government may by notification in the
official gazette, specify as a form of business in which it is lawful for a co-operative bank
to engage.
EVOLUTION OF URBAN CO-OPERATIVE BANKS
The term Urban Co- operative Banks (UCBs), though not formally defined, refers
to primary cooperative banks located in urban and s mi-urban areas. These banks, till 1996,
were allowed to lend money only for non-agricultural purpose. This distinction does not
hold today. These banks were traditionally centered on communities, localities work place
groups. They essentially lent to small borrowers and business. Today, their scope of
operations has widened considerably currently 1721 Urban Co-operative Bank's 7500
Branches across India over 20 Million Members.
The origins of the urban co-operative banking movement in India can be traced to
the close of nineteenth when, inspired by the success of the experiments related to the
cooperative movement in Britain and the co-operative credit movement in Germany such
societies were set up in India. Co-operative societies are based on the principles of
cooperation, - mutual help, democratic decision making and open membership.
Cooperatives represented a new and alternative approach to organization as against
proprietary firms, partnership firms and joint stock companies which represent the
dominant form of commercial organization.
STRUCTURES AND SPREAD OF UCBs

In term of geographical spread, UCBs are unevenly distributed across the states. Five states
viz., Maharashtra Gujarat, Karnataka, Andhra Pradesh and Tamil Nadu.
Account for 1523 out of 1942 banks that presently comprise the sector. Further, the UCBs
these states a for approximately 82% of the s deposits and advances of the sector as may
be seen from the table below
Name of the No of % to Deposits % of Advance % of

state banks in total (Rupees deposits (Rupees in Advances
operation no. of in Lacks) to total Lacks) to total
banks deposits advances.
Maharashtra 639 26.68 60,72,498 55.08 37,42,401.2 55.09
Gujarat 321 15.24 16,27,946 14.77 9,70,287.03 14.28
Karnataka 300 14.25 8,35,274 7.58 5,37,186.7 7.91
Tamil Nadu 132 6.27 3,10,521 2.82 2,12,113.28 3.12

Andhra 131 6.22 2,11,324 1.92 1,37,888.23 2.03

Pradesh
Total 1,523 2,106 90,57,563 82.15 55,99,876.5 82.44
For all UCBs in the country, the total Deposits are Rs. 1,10,25,642 Lacks and total
Advance are Rs.67,93,017 Lacks.
PRESENT STATUS OF UCBs
The urban cooperative banking system has witnessed phenomenal growth during the last
one and a half decades. From 1307 urban cooperative banks (UCBs) in 1991, the number
of UCBs has risen to 2105 in the year 2004. Deposits have increased by over 1100 percent
from Rs.8600 crore to over Rs.100, 000 crore, while advances have risen from Rs.7800
crore to over Rs.65,000 that is by 733 percent during the above 15-year period. This growth
path has been possible mainly on account of the enabling policy environment in the Post
1991 period, which encouraged setting up of new urban cooperative banks. Further, the
deregulation of interest rates, as available to commercial banks, enabled the UCBs to
mobilize vast deposits, which, together with the liberal licensing policy propelled the
growth of UCBs in terms of numbers as also in size. This significant growth in business,
which has come about in a competitive environment was largely due to the efforts and the
ability of the sector to harness resources from the small depositors
Thus, while the sector has shown spectacular growth during the last decade exhibiting
substantial potential for sustained growth, there are certain infirmities in the sector that
have manifested in the form of weakness of some of the entities resulting in erosion of
public confidence and causing concerns to the regulators as also to the sector at large.
There is, thus, a need to harness the benefit of rapid growth and mitigate the risk to which
individual banks and the system are exposed by providing a regulatory and supervisory
framework that will address the problems of the sector as also the shortcomings of dual
control.
COMPANY PROFILE
THE THANE JANATA SAHAKARI BANK LTD (TJSB)
History
With the modest beginning in 1972 in the co-operative field, the dynamism infused by the
Board of Directors, unflinching loyalties of clientele and devotion of staff has propelled
the sound foundation of The Thane Janata Sahakari Bank Ltd (TJSB) and has emerged
as one of the leading multi state scheduled co-operative Bank in the county.
TJSB presently is catering to the needs of society through a close network of 54 Branches
and 1 Extension Counters spread all over the city of Thane, Mumbai, Navi Mumbai,
Nashik, Pune and Satara. All these Branches have made remarkable progress on all fronts
in all these years.
TSB believes that "customer delight" is s the ultimate goal and has a strong belief that
Customers & all Stakeholders wholehearted support, absolute faith and their patronage has
largely been responsible for its enviable growth TJSB is committed to provide banking
with speed, comfort and convenience.
TJSB feels proud to acknowledge the growth of large number of successful industrialists,
traders and professionals who have grown leaps & bound due to timely assistance and
support of the Bank.
TJSB has set before a Visionary Growth Plan focusing all business strategies solely on
creation of Stakeholders value.
PROFILE
 Professional Board and Pragmatic decision making
 Consistent profit and growth for last 38 Years
 Equilibrium in Growth and profits
 Strong Internal Reserves and CRAR at 14.74%
 Balanced Credit Portfolio & focus on Retail / /SME Segment
 Strong Focus on Recovery and NPA Management
 First Co-op Bank to offer Bank assurance Product in association with Max New
York
 Anywhere Any Branch Banking facility in all Branches
 50 ATM's installed in Branches at Thane, Mumbai, Pune, Nashik and Satara
 24x 7 Cheque Issuance Machine at e-Lobby at Naupada Branch

 24x 7 Cheque Depository machine at 37 branches
 Value Added services for Customers
TECHNOLOGY INITIATIVES
TJSB, a Techno-savvy Bank has implemented successfully the Core Banking Solution (CBS). This
has helped the Bank to migrate the Branches from being the processing centers to marketing
customer centric outfits. It will also extend the Bank’s reach to its customers by multiple delivery
channels such as ATM, Internet, Mobile etc. This has brought the Bank on par with the leading
Banks. Bank has network of 58 ATM's across Thane, Mumbai. Navi Mumbai. Pune and Nashik.
TJSB is the first Bank in Co- operative sector to install Cheque Depository Machines at 44
branches. which are operational 24 X7.
TJSB has put in place Real Time Gross Settlement System (RTGS) transaction. With Core
Banking Solution in place the Bank is Providing RTGS facility to all its customers.
TSB has initiated process for strategic alliance with other Banks for the usage of their delivery
channels by which nearly 60,000 ATMs will be available to Bank's customers across the country.
TJSB is first Bank In the country to introduce Automated cheque Issuance Machine which
Enables customers to take Personalized Cheque Book 24 X 7
Business Process Re-engineering

With the successful implementation of Core Banking Solution TUSB has initiated Business
process.
Re-engineering by establishing
 Specialized Credit Cell
 Specialized Retail Banking Cell
 Centralized Monitoring Cell
 Centralized Back office Pro Cell
 e-lobby
Bancassurance
TJSB (License No. 1126801) is Corporate Agent for Max New York Life Insurance Co. Ltd. For
Life Insurance products and with The Oriental Insurance Co. Ltd. for General Insurance. TJSB's
Bancassurance is recognized as one of the most successful Bancassurance in the country.
"Insurance is the subject matter of solicitation"
BUSINESS EXPANSION PLANS
TUSB has recognized the opportunity for its expansion through the Merger and Takeover of the
other Banks. To step forward it has recently acquired two Pune based Co-operative Banks namely
The Navjeevan Nagrik Sahakari Bank Ltd and The Sadguru Jungli Maharaj Sahakari Bank Ltd.
SPECIAL MENTION
One of the very few co-operative banks to get ADI license to deal in Foreign exchange
The Indian Bank Association (IBA) have accolade TJSB with TECHNOLOGY BANK OF THE
YEAR award in the Co-operative Banks category for FY 2009
TJSB has been awarded 1st Prize for the Best co-operative Bank in Maharashtra by
"Maharashtra State Urban Bank's Federation Ltd." For the F.Y.2004-2005.
TJSB has been awarded 1st Prize as "Padmabhushan Vasantdada Patil Utkarsha Nagri Sahakari
Bank" for the F.Y.2003-2004 from Kokan Region for the second time consecutively.
TJSB was recognized amongst top 5 Co-Operative banks in the country, during centenary
celebration of Co-Operative movement by Kalupur Commercial Co-Operative Bank Ltd.
With its distinctive culture, as the most trusted bank, TJSB has become the Most Preferred Bank
too.
24x7 BANKING
Technology Services
On the Technology front, Bank has implemented successfully the "Core 1 Banking Solution"
(CBS) developed by M/s Infrasoft Technologies Ltd. Bank has state of art Data Center This has
helped them to migrate the Branches from being the processing centers to marketing customers
centric outfits. It will also extend the Bank's reach to its customers by multiple delivery channels
such as ATM, Internet, and Mobile etc. This has brought the Bank on par with the leading Banks.
TJSB is the first Bank in Co-Operative sector to install Cheque Depository Machines at 44
branches, which are operational 24 x 7. TJSB is the first Bank to install Cheque Book Making and
Issuance Machine at Naupada – E-Lobby by which customers can avail the facility of issuance of
Personalized Cheque Book, which is operational 24 x 7.
ATM's
All the 58 ATM's of the bank are connected to Central ATM Switch and Customers are able to do
all the transactions through any of the Branches of the bank in Thane, Mumbai, Pune, Nashik &
Satara.
To overcome the geographical barrier the Bank has made ATM Sharing Arrangement with
BANKS ATM & NFS ATM network. Major Banks participating in NFS & BANKS is SBI, IDBI,
ICICI, AXIS Bank, HDFC, Bank of Baroda, Bank of India and etc. Now the TJSB ATM card
holder can access all his TJSB accounts with the NEW TISB ATM Card' from more than 60,000
ATMs cross all over India.
e-Lobby at Naupada Branch
Customer Delight being the Moto the bank has implemented and focusing on creation of virtual
service outlets operated through Customer Activated delivery channels. The e-Lobby of the Bank
at Naupada is now equipped with 3 ATM's, 2 Cheque Depository machines and 24x7 Automated
Cheque Book Issuance machines.
Cheque Depository Machines
Branches of the Bank are fully equipped with Cheque depository machines giving the convenience
to the customers to deposit the cheques 24x7x365. The printed acknowledgement is given to the
Customers by the Cheque depository machine for Cheque being deposited in the machine.
Automated Cheque Issuance Machine
Bank has always put the thrust on providing value added services to the customers which will be
operational on 24x7x365. As part of this process Bank has installed the Automated Cheque
Issuance Machine at its e-loby at Naupada Branch. Under single customer Id all the accounts
maintained in the bank will be displayed for selection. Customer has to just enter the Customer Id
and secret pin issued to him and customer's personalized Cheque book will be issued without any
manual intervention. All the Customers of the bank irrespective of the Branch where the account
is maintained will able to take the benefit of the facility.
SMS Banking
SMS Banking services are available for the Customers of the bank to know the latest balances and
last 3 transactions in their account using the SMS feature of the Mobile Phones. Apart from
Customer pull operations Bank is also giving SMS alerts to the Customers for clearance of
cheques, maturity of terms deposits, return of the cheques and host of other services.
Statement on E-mail
Customers of the Bank can get the Statement of Account by mail at desired Intervals.
Business Expansion Plans
TJSB has recognized the opportunity for is expansion through the Merger and Takeover of the
other Banks. To step forward it has recently acquired two Pune based Co-operative Banks namely
The Navjeevan Nagrik Sahakari Bank Ltd and The Sadguru Jungli Maharaj Sahakari Bank Ltd.
FOREX
FOREIGN EXCHANGE SERVICES
Currency Changing
They change all the convertible currencies in exchange of Indian Rupees for our clients. Also we
issue the foreign currency for the persons going on business tour or leisure trips, individually or in
group.
Traveller's Cheque
They issue Travelers cheques of American Express Bank for USD, EURO, GBP which can be
availed by the persons going abroad for business, leisure trips. They also exchange al travellers'
cheques for the customers against rupees.
Post- shipment
They handle the documents on collection for our exporters and credit the proceeds on realization.
They negotiate the documents through our correspondents against specific sanction of limits.
They grant advance against the export bill sent on collection at a concessional rate of interest.
They handle the inward remittances received as advance payments for exports.
Import Services
 Import Payments / Outward Remittances:
 Import Letter of Credit:

 Bank Guarantee Bank Guarantee facility to our clients guaranteeing their
Performance /financial obligations
 Co-acceptance facilities
CRISIL RATING
CRISIL upgrades rating on THE THANE JANATA SAHAKARI BANK to "P2+"
CRISIL has upgraded its rating on the bank guarantee facility of The Thane Janata Sahakari Bank
Ltd (TUSB) to P2+ from P2'. The upgrade factors in the comfortable liquidity positic of the bank
given its adequate resource profile and conservative set-liability managem policies.
The rating, besides adequate resource profile, also reflects TJSB's moderate earnings position.
These rating strengths are partially offset by risks inherent in the urban cooperative banks sector,
and TJSB's average capitalization. While the bank's asset quality is better than that of other urban
cooperative banks, its gross non-performing assets rema1 higher than that of scheduled
commercial banks.
FUTURE PLAN
TJSB has some aggressive growth plans. It plans to open new branches in Karnataka and Gujarat
as the new licenses to open branches has been relaxed by
RBI The bank is expecting five more licenses from RBI. Other plans include having a HRMS
System so it all HR related payroll systems can be consolidated and streamlined. It would be in
line with Employee Self Service wherein any employee can log into the system to access their
personal details as well as apply for leave online.
VARIOUS LOANS IN THANE JANATA SAHAKARI BANK (TJSB)
COMMERCIAL LOAN
TRADECASE
Hassle free credit facility for traders
FEATURES
Types of facility  Term Loan / Overdraft.
Eligibility  The business units like small business enterprises
(SBE), Traders should have been established in the line
of business for a minimum period of 2 years and making
profits for last 2 years and submission of IT returns for
2 years.
Loan Limits  Maximum Rs.50.00 lacks
Repayment Period  For term loan 60 months (maximum).
Rate of interest  Minimum 15.00% P.A.(Subject to change as per change
in PLR)
Security  Hypothecation of stock and book-debts and Mortgage
of immovable property, (preferable commercial).
SANJEEVANI
Lifeline for professionals
FEATURES
(A) Clean overdraft
Nature of facility 
Clean overdraft for working capital W.C.T.L.
Limit 
Up to Rs.200,000/-
Margin 
Nil – up to Rs. 1.00 Lac

10% - Above Rs.1.00 Lac to Rs.2.00 Lacks
Guarantors 
Nil
Eligibility 
Any Professional like Medical Practitioners,
Charted Accountants, Cost Accountants, Company
Secretaries, Architects etc, 3 years in the profession
Documentation  Professional Qualification Certificate.
 Last two years assessment order or return copy.
 Proof of address of residence/ clinic/ hospital/
office.
 Copy of Registration Certificate of concerned
authorities for commencing practice.
Interest  13.50% Floating
Processing Charges  @ 0.25 % of loan amount. (Min Rs.500/-)
Exclusive Banking or NOC from existing Banker.
Review / Renewal every year

Security  Hypothecation of Equipment / Furniture /
Mortgage of property to be purchased
Prepayment penalty  2.00% on outstanding balance for takeover loan.
Equipment Financing /Purchase of office/furniture
Nature of Facility  Term Loan

Limit Rs.20,00,000/- (maximum)
Security  Hypothecation of Equipment / Furniture / Mortgage of
property to be purchased.
Guarantors  Up to Rs.2.00 Lacks – Nil
 Above Rs.2.00 Lacks up to Rs.5.00 Lacks – No Outside
guarantors incase of satisfactory track record of borrowing
with out bank
Interest  13.50% Floating
0.5 % incentive lacks-No outside guarantors in case of
satisfactory track record of borrowing with out bank.
Margin  10 % in Term Deposit.
Repayment  With 48 EMI / 60 EMI/ 72 EMI months with 3 months
moratorium.
Eligibility  Established in profession for minimum period of 3 years.
 Annual Income: up to Rs.75,000/-
Maximum Loan; Rs.2.00 Lacks.
Rs.75,001/- to Rs.1,50,000/-
Maximum Loan Rs.5.00 Lacks
Rs.1,50,001/- to Rs.3,00,000/-
Maximum Loan; Rs 10.00 lacks
Above Rs.3,00,000/-
Maximum Loan: Rs.20.00 lacks
 Should not be defaulter for loan repayment of our bank.
Documentation  Professional Qualification certificates,
 Last six months Bank Statement.
 Last two years assessment order or Income Tax Return copy.
 Proof of Residence / Business place.
 Guarantors Income and Residential proof.
 12 post dated cheques.
 Copy of Registration Certificate of Concerned Authorities for

commencing practice.
Processing Charges  @ 1% of loan amount (Min 1000/-)
Prepayment penalty  2.00 % on outstanding balance for takeover of loan by any
other financial institution / Bank etc.
EMITABLE FOR SA.JEEVANI
EMI per lack (In Rs.)
INT (% p.a) 36 M 48 M 60 M 84 M
10.25 3211 2527 2119 1659
10.50 3222 2539 2131 1672
10.75 3233 2550 2143 1685
11.00 3244 2561 2155 1697
11.25 3255 2573 2167 1710
11.50 3267 2584 2179 1723
11.75 3278 2596 2191 1736
12.00 3289 2608 2203 1748
12.25 3300 2619 2215 1761
12.50 3311 2631 2227 1774
12.75 3322 2643 2239 1787
13.00 3333 2654 2251 1800
13.50 3356 2678 2275 1826
SMALL & MEDIUM SIZE ENTERPRISES
Bank has special focus for extending credit facilities to Small and Medium Size Enterprises. Bank
has customized solutions for Small Business Enterprises, Small Scale Industries and Medium Scale
Industries. Credit Facilities are offered in the nature of Term Loans for establishment of new
industries, acquisition of machineries, technology up-gradation, or execution of ad-hoc orders or
for expansion, modernization or diversification programs. Finance offered will be in the form of
Fund base as well as non fund base facilities as per the requirements of the Business. Working
Capital Term Loan requests are considered for viable small and medium size enterprises requiring
infusion of fresh funds by way of one time core working capital assistance.
FEATURES:-
Purpose  For establishment / modernization / up-gradation of
Fixed Assets
 Setting up Office, Renovation of the premises
 Purchase of vehicles, etc.
 Working Capital Limits
 Export Finance and Guarantee Limits
Eligibility  Individual / Partnership Firms / Companies.
 Experience / qualification in the proposed line of
activity.
Loan Amount  As per the project requirement
 Working Capital as per project requirements
 Maximum period up to 84 months.
 Maximum moratorium 6 months.
 Working Capital for one year on renewable basis.
Margin Requirements  Minimum of 25 % and project assessment. Security
 Mortgage / Hypothecation of Asset financed.
Processing Fees  1 % of the sanctioned amount ( Minimum –
Rs.1000)
COMMERCIAL & OTHER LOANS:-
Bank is actively lending to all sectors of the Industries / Business and provide customized solutions
for Small Business activities, Transporters, wholesalers, stockiest, Distributors. Retailers having
exclusive showrooms dealing in FMCG products, readymade garments, consumer durables,
pharmaceutical stores, etc. Bank also actively considers Working Capital Term Loans for
execution of ad-hoc orders or Loans against mortgage of existing securities for Capital specified
purposes.
FEATURES:-
Purpose  For establishment / modernization / up-gradation of

Fixed Assets
 Setting up Office, Renovation of the premises
 Purchase of vehicles etc
 Working Capital Limits
 Export Finance and Guarantee Limits
 Eligibility Exiting running business activity and good
track record
Loan Amount  As per the business requirements

 Working Capital as per assessment
 Maximum period up to 84 months.
 Maximum moratorium 6 months.
 Working Capital for one year on renewable basis.
Margin requirements.
Margin Requirement  Minimum of 25 % security

 Mortgage / Hypothecation of Assets.
Processing Fees  1 % of the sanctioned amount ( Minimum – Rs.1000)
RETAIL LOAN:-
SWAYAM SIDDHA LOAN
Granting loans to the members of “Women Self Help Groups" (SHG) so as to cater need weaker
section in the society.
FEATURES:
"SWAYAM SIDDHA" SCHEME

Type of credit facility  Term Loan to MBG ( Max Rs.2.00 Lacks)
 Term Loan to Individual Members of MBG (Max

Rs.50,000)
Eligibility  MBG should be registered
 MBG should have been in active existence for period of Six

months.
 Size of the Bachat Gat Min 11 and Max 20 persons.
 Saving per month by each member- Min rs.50/- for Urban

areas and Rs.25/-for semi urban areas.
 There is no ceiling on maximum contributions.
 The saving duration will be for a minimum period of 60

months and maximum period of 120 months. In the form of
Recurring Deposits. ( RD to be lien marked till the
repayment of loan)
 The person should be a member of MBG. His application

should be referred by Executive / Administrative body of
the MBG under their seal and signature for consideration of
loan proposal.
Loan Limit  Term loan to MBG (Max Rs.2.00 Lacks) for on lending to
group members for business, education, ceremonial purpose
and for medical
 Term Loan to Individual Members of MBG (Max

Rs.50,000)
Max Rs.50,000/ for business
Max Rs.50,000/ for education
Max Rs.15,000/ for ceremonial expenses.
Max Rs.10,000/ for medical expenses.
Security, Margin, Bank  Nil

charges & Pre-Payment
Charges
Repayment Period  Max 60 months. The SHG should make repayment to the
bank.
Rate of Interest  10.50 % p.a. at monthly rests.

KALPATARU CONSUMER FNANCE SCHEME
“Fulfills all your Dreams & Desires”
FEATURES:-
Purpose  For purchase of Electronic Appliances / Consumer

Durables / Furniture & Fixtures / Two Wheelers etc.
Eligibility  Salaried / Self Employed / Businessman.
Loan Amount  Maximum Rs. 2.00 Lacks
Repayment  Maximum 5 years.
Rate of Interest Floating
 When Salary Deduction in available 15.00 %
 When Salary Deduction is not available 16.50 %
Service Charges  Flat Processing Fees Rs.750/-
Guarantee / Surety  Personal Guarantee of 1 / 2 Persons
Pre-payment  No penalty for pre-payment

Documents Required  Income Proof of Applicant(S) & Guarantors(s)

Residential Proof of Applicant(s) & Guarantor(s)
Original Quotation / Invoice etc.
 First installment at the time of disbursement
Loan Installment EMI Per Rs.1,00,000/- Loan Amount

36 M 48 M 60 M
@ 15.00% p.a. 3,424/- 2,749/- 2,350/-
AUTO FINANCE SCHEME
FEATURES
Loan Amount
a. Brand New Car  100 % of Invoice Value.
b. Second Hand Car  80 % of Agreement Value or Valuation

Report whichever is less, if car is up to
2 years old.
 70 % of Agreement Value or Valuation

Report whichever is less, if car is 2 to 3
years old
Rate of Interest
a. For New Vehicle  Repayment Period up to 3 years.
12.00% Floating
 Repayment Period up to 5 years. 12.50

% Floating
b. Second Hand Vehicle  Repayment Period Up to 3 years –

15.00%
For vehicle less than 3 yrs. Old  Repayment Period up to 3 years Loan
Up to 2 Lacks – Loan above 2 Lacks
Service Charges  0.50 % of Loan Amount.(Min

Rs.2000/-)
EMI Chart
EMI per lack (in Rs.)
INT (% p.a.) 36 M 48M 60 M
12.00 3289 2607 2202
12.50 3311 2631 2227
15.00 3424 2749 2350

TRAVEL NOW
Around the world Travel Fast,

Travel Now!
With TRAVEL Now,
Take off to any part of the globe.
Now, you don't have to save for that annual holiday.

You could take short break or long holiday any time of the year. Enjoy Mauritius, Seychelles,
Singapore, Malaysia or Shimla, Kalu Manali, backwaters in Kerala. Think of place, leave the rest
to us.
We have excellent loans for travel for various reasons. Our travel loans are simple and easy to
acquire. Just check out our schemes and Enjoy!
So, get the wings to reach your favorite holiday destinations now! ‘Enjoy Families’ holidays or
go for business cum holiday trips or simply discover beautiful places in India and Abroad. For
travel-be it holiday or business.
Choose TRAVEL NOW
FEATURES
Purpose  To meet expenditure of traveling (in India

and abroad) for family or individual tour,
for pleasure or business visit for seminars,
high tech exhibition or group education
tours etc. accommodation, hotel ling and
all peripheral expenses
Loan Amount  Rs. 25000/- (min) To Rs.2.00 Lacks (max)
Process Fees  Rs 1000/-

Repayment  12 months to 36 months by post dated
cheque in advance/ ESC or any convenient
mode mutually agreed upon with at least 3
blank cheque with undertaking u/s 138 of
NI Act.
Age  Minimum 25 years, Maximum 60 years at
loan maturity.
Security  Nil
Guarantors  One earning family member or outsider

with regular income tax returns for last 2
years.
Margin  Nil
Membership  Regular membership of borrower.
Requisites  Proof of ownership residence: Residence
within corporation limit with min. flat area
500 sq. ft. built up.
 PAN card
 Proof of traveling: ticket reservation
booking copy.
 Self estimation of expenditure.
 One year bank statement of regular or
salary account with healthy operation
without cheque return charges & min bal
charges.
 Repayment through PDC’s/ECS/ through
existing account.
 One time disbursement to account credit
 One acceptable guarantor
Rate of Interest  14.00% (Fixed)

Income Criteria
Professional & Self Employed Businessman Salaried
I.T. Return more than Rs.2.00 Lacks p.a. IT Return more than Form 16 showing
for last 3 years. Rs,2.00 Lacks p.a. for income more than 2.50
last 3 years Lacks for last three
years
 All income tax return must have been failed regularly during every year.
 Return filed at one stroke for last 2/3 years will not be considered.
EMI Charts
EMI per lack (in Rs)

INT (% p.a.) 36 M 48 M 60 M
11.00 3244 2561 2155
11.50 3267 2584 2179

12.00 3289 2608 2203
12.50 3311 2631 2227
13.00 3333 2654 2251
13.50 3356 2678 2276
14.00 3378 2701 2300

Loan Process & Credit Analysis in Thane Janata Sahakari Bank (TJSB)
The Loan Process Flow in TJSB Bank Is as follows.
Stage 1 Stage 2 Stage 3 Stage 4 Stage 5
Pre-Qualifying Application Processing Underwriting
Closing >> Signing
document
>> Preliminary >> Fill out >> Credit >> Loan goes drawn.
determination loan check. to for approval
of borrowing application.
capacity and >> Document
credit history sent to title
>> Gathering >> Appraisal of >> All company.
documents property. conditions
from prescribed in
applicant. credit policy >> Buyers
>> Title search. are met. bring in
money and
>> Consent sign
letter from >> Employment >> Loan is documents.
surety. & residential approved.
history >> Title
complied company
records deed.
>> Verification
of financial >>Escrow is
reserves. now closed.
The popularity of loan and advances facility >> Buyers get

provided by TJSB bank is due to its >> Compiling effectively structured keys to
loan process and credit policy. The industrial visit credit policy is being property.
revised at regular interval. report.
DETAILED STUDY OF HOME LOAN

PURPOSE OF HOUSINGL LOAN

Owning a piece of land or property lifeline dream for every individual. There are many home loans
provider in the market to make your dream come true. But before you opt for any home loan
provider, one need to consider certain factors related to property that one are interested in buying
and also about the salient feature offered by a home provider and also study some Home Loans
and Home Insurance FAQs which helps in applying a Home Loan India.
And the most important thing is one should know about each and every term related with Home
Loans before applying for a Loan. It is always advisable to consult a home loan expert or
consultant before applying for a home loan or purchasing a property.
One can take different types of home loans like Bridge Loans, Home construction Loans, Home
Equity Loans, Home Extension Loans, Home Improvement Loans, Land Purchase Loans etc for
different scheme available in the market. There are different types of home loans tailored to meet
your needs.
Home Purchase Loans: These are the basic forms of home loans used for purchasing of a
new home
Home Improvement Loans: These loans are given for implementing repair works, healing
and renovations in a home that has already been purchased.
Home Construction Loans: These loans are available for the construction of a new home.
Home Extension Loans: These loans are given for expanding or extending an existing home.
For e.g.: addition of an extra room etc.
Home Conversion Loans: These loans are available for those who have financed the Present
home with a home loan and wish to purchase and move to another home for which some extra
funds are required. Through home conversion loan, the existing loan is transferred to the new home
including the extra amount required, eliminating the need of pre-payment of the previous loan.
Land Purchase Loans: These loans are available for purchasing land for both construction
and investment purposes
Bridge Loans: Bridge loans are designed for people who wish to sell the existing home and
purchase another one. The bridge loans help finance the new home, until a buyer a found for the
home.
IMPORTANCE OF HOME LOAN
The rising cost of residential accommodation has led to the popularity of Home Loans in India.
Home loan is the finance borrowed from a bank or financial institution to buy or modify a
residential real estate property. Any Resident or Non-resident individual who is planning to buy a
house in India can apply for a Home loan. If you have decided to buy a property in the near future
you can even apply for a loan before you select your property. It easier if the Property you are
planning to buy is in a condominium or township that is pre-approved by a bank or financial
institution.
Today, the amount of money that a city dweller spends on rent is roughly the same, or only slightly
less than the amount he pays as the EMI (Equated Monthly Installments) on a housing loan. Home
loans are made available by financial institutions to both Indian and NRI applicant at floating or
fixed rate of interest and also at attractive EMI options:
 For construction or buying a new home
 For purchase of plots for construction of house
 For home repairs and renovations or extension of an existing house or flat
 Against mortgage of property
 Purchase of home consumer durables and furnishings as included in the project cost.
HOME LOAN IN THANE JANATA SAHAKARI BANK (TJSB)

SADASAVALI HOUSING FINANCE SCHEME
Purpose To acquire /construct House/Flat for self accommodation or

to take over housing loan from financial institutions.
Loan Amount Max. Up to Rs.15.00 Lac per beneficiary of a dwelling unit.
Rate of Interest Floating

Loans up to Rs.20 Lacks 11.50%
Loans above Rs. 20 Lacks 11.75%
Margin 15% to 30 % as the case may be
Repayment Maximum up to 15 years.
Various repayment options Regular/Step up/Accelerated.
Service charges 0.80% of Loan Amount
(Exclusive of Stamp Duty for Mortgage)
Security Equitable/Registered mortgage of flat/house.
DETAILED STUDY OF EDUCATION LOAN
VIDYA SIDDHI EDUCATION LOAN

ELIGIBILITY
 Occupations: Salaried/Self employed/Businessman.

 Gross Income: Above Rs. 8,000/- p.m. Age: Min. 21 years, Max. 60 years at loan
maturity.
 Repayment capacity it will be considered on total income of the applicant and co-
applicant.
 Student as Co-Applicant.
LOAN DETAILS
Quantum of Loan
 Studies in India Maximum Rs.10.00 lacks

 Studies abroad : Maximum Rs.l5.00 lack
Margin of Loan
Up to Rs. 4.00 Lacks: NIL

 Above Rs.4.00 lack :Studies in India:5 %
 Studies Abroad: 15 %
EXPENSES CONSIDERED FOR LOAN

 Fee payable to College/School/Hostel.

 Examination/Library /Laboratory fee.
 Purchase of Books/ Equipments/ Instruments/Uniform.
 Caution Deposit/Building Fund/Refundable Deposit supported by Institution
Bills/Receipts.
 Travel expenses/passage money for studies abroad.
 Purchase of computers essential for completion of the course.
 Any other expense required to complete the course-like study tours, project work, thesis
etc.
RATE OF INTEREST
 11.05%
REPAYMENT
 Maximum up to 7 years + 18 months moratorium.
SECURITY
 For Loan above Rs.1.00 Lac equivalent collateral security is required.
DOCUMENTS REQUIRED
 Income Proof of Applicant(s) & Guarantors).

 Residential Proof of Applicant(s) & Guarantor(s)
 Bank Account Statement One Year
MORATORIUM PERIOD
 Applicable Max 18 months.
BHUSHAN COMPUTER LOAN SCHEME
“Change the way your Child Learns Gift a COMPUTER Today”
Purpose
 To buy a Personal Computer or laptop for the Students,
Guarantee /Surety
 No Guarantors (In case of both the parents are earners).

 One acceptable Guarantor (In case, either of the parents is earner).
Rate of Interest
 12.00 % P.a. Floating
Eligibility
 Repayment capacity will be considered on total inc of the applicant and co- applicant.
Key Criteria
 Student should open a saving account at any of our branches
Loan Amount
 Rs. 15,000 to Rs. 1,00,000
Margin
 Nil.
Repayment
 60 EMI Maximum,
Service charges
 Flat Processing Foes Rs. 250/
Documentation Charges
 At actual.
Special Feature
 Quick credit delivery and simple documentation.
Security
 Computer/ Laptop.
Information / Documents
 Loan Application Form.
 In income proof of Application (s) & Guarantor (9.
 Residential Proof of Applicant (s) & 1arantor (s). Photocopy of Ration Card / Municipal
Tax Receipt/Society Receipt /Passport/Voter's Identity Card.
 Banking. Last six months Statement of Accounts.
 One Photograph of the Applicant/Co-Applicant/ Guarantor
 Signature Verification.
 Saving account of student with our Bank.
EMI Charts
Month 12 24 36 48 60
EMI/Rs 87.58 46.18 32.44 25.61 21.55
DATA ANALYSIS
Total 100 people were contacted and 50 were respondent

1.Which is the type of services preferred by you the most?
High
35
30
25
20
15
10
0
ATM SERVICES INTERNET PHONE BANKING SMS BANKING SAFE BANKING CORE BANKING
BANKING
Interpretation
According to survey, 60% customers prefer ATM service and 8 % of customer can prefer
Internet banking service. 8% customers prefer phone banking and 10 % customers prefer SMS
banking. 4% customers prefer Safe deposit lockers & 10 % customers prefer core banking service.
2. Which retail banking product have you availed?
Customers
16
14
12
10
8
Series 1
6
0
Home Loans Car Loans Education Loan Personal Loan Others
Interpretation
In the above graph, it is indicated that 30% of custom prefer Home Loans and 18%
of Customer can availed car loan & 14% for educational loan, this because of this three are
major chunk of retail product. So, rest 26% can availed personal & 12% for other product
availed by customer.
3. How did you come to know about TJSB products?
Customers
25
20
15
10 Series 1
0
Television Newspaper and Radio word of mouth billboards /
Magazines hoardings
Interpretation
10% of customer can awareness the product through television & 40 % can aware through
newspaper and magazines & 10%can aware through radio. So this both can give more information
about product to customer. Also 30% can aware through word of mouth & rest 10% through
billboards /hoardings.
4. Are you satisfied with TJSB loan services?

30
25
20
High
15
Column1
Column2
10
0
Yes No cant say
Interpretation
In this survey 50% of customer can satisfied with TJSB loan services because it provides
core services. Also 20% of customer not satisfied with loan services provided by TJSB bank &
rest 30% cannot decide anything.
5. Can TJSB provide better facility than other bank?

30
25
20
customers
15
Column1
Column2
10
0
Yes No Cant say
Interpretation
In this survey 20% of customers are satisfied with TJSB's services as compared to
other bank's services and 60% of customers are not satisfied with services of TJSB as
compared to other bank's services & rest 20% cannot decide anything.
RECOMMENDATIONS
After learning the credit appraisal process at THANE JANATA SAHAKARI

BANK (TJSB) and observing the findings. I put some of my recommendation which,
firmly believe, would enhance the overall credit delivery process of the bank and
experience of the corporate clients.
FINDING
The government and Reserve Bank of India have devised compromise settlement schemes to help
Banks recover nonperforming assets especially for genuine borrowers. The scheme provides
concession and interest waivers so that immediate settlements can take place.
CONCLUSION
The study has been conducted on “study of loans in TJSB” of various services offered by Thane
Janata Sahakari Bank at Thane.
Currently the credit policy of the TJSB Bank is reviewed periodically by taking into account
changes in political environment, economical environment and money markets, changes in credit
policy announced by the Reserve Bank of India and happening of other events to protect the
interest of the Bank and to maintain profitability.
BIBLLIOGRAPHY
Books
Financial management- Prasanna Chandra
Banking and Law practices – S.L.Gupta
Hand book on co-operative bank – John D’silva
Annual report of tjsb – 2010-2011
Websites
www.rbi.org.in
www.cibil.com
www.thanejanata.co.in

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THE STYDY OF LOAN PROCESS IN CO_OPERATIVE BANK

 Stydy f Commented [1]: hsjsjjsjs

I, SATENDRA RAMSHARIKH CHAUHAN A STUDENT OF YESHWANTRAO

DATE: SIGNATURE OF STUDENT

I, PROF. DR. PRAFULLA ZODAPE, HEREBY CERTIFY THAT

PROF. DR. PRAFULLA ZODAPE SIGNATURE OF THE

SIGNATURE OF PROJECT PRINCIPAL OF THE COLLEGE

SIGNATURE OF CO-ORDINATOR SIGNATURE OF

“LOAN PROCEDURE IN CO-OPERATIVE BANK”

ACADEMIC YEAR: 2018-2019

PROF. DR PRAFULLA ZODAPE

If words are considered as a symbol of approval and token of appreciation

I would like to thank the university of Mumbai for introducing bachelor of

With the completion of my project entitled “LOAN PROCEDURE IN COPERATIVE

1.2 DEFINITION OF BANK

1.3 BANKING SECTOR- AN OVERVIEW

 Indian Banking Sector-Key Drivers

 Indian Banking Sector-Key Statistics

 Indian Banking- Trends& Developments

Private sector banks consist of

"A Co-operative bank, as its name indicates is an institution consisting of a number of

co-operative institutions which are engaged in tasks of production, processing. marketing,

OVERVIWE OF CO-OPERATIVE BANKS

1. Primary Urban Co-op Banks

2. Primary Agricultural Credit Societies

3. District Central Co-op Banks

4. State Co-operative Banks

5. Land Development Banks

FORMATION OF CO-OPERATIVE SOCIETY

CO-OPERATIVE BANKS-STRUCTU AND FUNCTIONS

EVOLUTION OF URBAN CO-OPERATIVE BANKS

STRUCTURES AND SPREAD OF UCBs

Name of the No of % to Deposits % of Advance % of

Maharashtra 639 26.68 60,72,498 55.08 37,42,401.2 55.09

Gujarat 321 15.24 16,27,946 14.77 9,70,287.03 14.28

Karnataka 300 14.25 8,35,274 7.58 5,37,186.7 7.91

Tamil Nadu 132 6.27 3,10,521 2.82 2,12,113.28 3.12

Andhra 131 6.22 2,11,324 1.92 1,37,888.23 2.03

THE THANE JANATA SAHAKARI BANK LTD (TJSB)

 Professional Board and Pragmatic decision making

 Consistent profit and growth for last 38 Years

 Equilibrium in Growth and profits

 Strong Internal Reserves and CRAR at 14.74%

 Balanced Credit Portfolio & focus on Retail / /SME Segment

 Strong Focus on Recovery and NPA Management

 Anywhere Any Branch Banking facility in all Branches

 50 ATM's installed in Branches at Thane, Mumbai, Pune, Nashik and Satara

 24x 7 Cheque Issuance Machine at e-Lobby at Naupada Branch

 24x 7 Cheque Depository machine at 37 branches

 Value Added services for Customers

Business Process Re-engineering

BUSINESS EXPANSION PLANS

e-Lobby at Naupada Branch

Cheque Depository Machines

Automated Cheque Issuance Machine

Business Expansion Plans

FOREIGN EXCHANGE SERVICES

 Import Letter of Credit:

CRISIL upgrades rating on THE THANE JANATA SAHAKARI BANK to "P2+"

VARIOUS LOANS IN THANE JANATA SAHAKARI BANK (TJSB)

Hassle free credit facility for traders

(A) Clean overdraft

Review / Renewal every year