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Old September 25th, 2017, 10:10 AM
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Join Date: May 2011
Default Re: Project Report on KVG Bank

The present study at Karnataka Vikas Grameen Bank, Dharwad is directed for the investigation of payment and recovery procedure of credits.

The Karnataka Vikas Grameen Bank that developed after the amalgamation of the four past Grameen Banks with its region of operation spread more than nine regions, now takes into account 1/3 of the geographical zone of the State and there by has earned the opportunity of serving a vast area of provincial masses.

The essential goal of any budgetary establishment is to maximize wealth. With a specific end goal to accomplish this goal the bank must procure sufficient amount of benefit. The measure of such benefits to a great extent relies on the magnitude of advances helped and the recuperation of those credits. Each component of recuperation has two measurements, time and cash. With regards to recuperation of advances "Time is Money".

An investigation of recuperation system which has been picked as the theme of my task in KVG Bank, Dharwad is the primary and the key recovery department, which assumes a critical part in the accumulation of the sources of assets for the bank which thusly will be utilized for refinancing for the modern and agrarian concern.

Goals of the Study

To contemplate the different plans of the bank

Confinements

Despite the fact that the present examination intends to accomplish the specified goals infull sincere and accuaracy,it might be hampered because of certainlimitations.some of the impediments of this investigation might be condensed as takes after;

Since the Project was embraced in Hubli-Dharwad zone just thelimited modern concerns were met and associated forthe reason for gathering of information.

The time of study was constrained

Marketable Strategy

Bank has a driven focus of achieving Rs.10000 Crore business level by year 2010 and this will bepossible in the event that we conceive the development in Deposit and Advances at

27% and 41% individually amid the year 2009-10. Likewise, the Bank has set an objective of achieving business level of Rs. 8100 Crore by March 2010.

Further, the Bank needs to enhance the subjective parts of business development like Customer Service, Financial Inclusion, Formation of Farmers Clubs, Conducting Extension exercises, quickening SHG Credit Linkage, Flow of Credit to Agriculture, NPA Management and Profitability etc.Due to the effect of Debt Relief Scheme of the Government of India, Banks propels portfolio will beaffected. Consequently, stream of value credit to both need and non-need area must be substantiallyincreased amid 2009-10. Henceforth, accentuation should be appended on Investment Credit to horticulture, SME Sectors, increment loaning for J L and SHGs and so on.

Bank has a conferred and very much experienced human asset that has demonstrated their metal in achieving the testing assignments some time recently. Bank is confident of outperforming the Business Targets for the year 2009-10 well in front of the planned time.

Region Wise Targets Under Deposits, Advances & NPA - March 2009-10





Performance of Bank

As on 31/03/2008

Number of Branches:407
Rural: 309
Semi urban: 063
Urban: 035

No.of Employees: 2160
Officers: 876
Clerks: 860
MCS: 424

As on 31/03/2009

Number of Branches:409
Rural: 310
Semi urban: 063
Urban: 036

No.of Employees: 2153
Officers: 864
Clerks: 851
MCS: 438

Particulars

Performance As on


31/03/2008
31/03/2009

CAPITAL
Rs. 23.97 Crores
Rs. 23.97 Crores

Reserves
Rs. 503.15 Crores
Rs. 528.71 Crores

Deposits
Rs.2756.74 Crores
Rs. 3458.70 Crores

Advances
Rs.2547.86 Crores
Rs. 2626.28 Crores

Business
Rs.5304.60 Crores
Rs. 6084.98 Crores

C D Ratio
92.42%
75.93%

Business per Branch
Rs. 13.03 Crores
Rs. 14.88 Crores

Productivity per employee
Rs. 2.45 Crores
Rs. 2.83 Crores

Gross Profit
Rs. 124.01 Crores
Rs. 49.06 Crores

Net Profit
Rs. 72.13 Crores
Rs. 37.68 Crores

NPA Amount
Rs. 91.19 Crores
Rs. 100.01 Crores

Percentage of NPA Gross
3.58%
3.81%
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