Chapter No.

1
Introduction to the Study

1.1 Introduction –
India is one of the largest consumers of gold with an estimated stock of 23,000 tones. About 40
per cent of the gold loan market is in South India. Public sector banks and NBFCs like Method
Finance and Manappuram control nearly 81 percent of the organized gold loan market. Informal
players in the sector like brokers and money lenders, which are unregulated, control 40-60
percent of the gold loan transactions sin the country, say estimates.
The report said growth drivers for the industry would be exclusion from mainstream personal
and retail loans by scheduled banks, changing attitudes towards applying for gold loans,
geographical demands, large volume of existing gold held by rural communities, availability of
gold loan in extremely flexible terms and lower default rates in the supply side.
The report said gold loan companies are expected to continue delinking the gold price volatility
risk by offering more variants of lower tenure loan products. Increased competition from Small
Finance Banks (SFBs) will reduce the yield and players should invest in technology and
automation to a great extent. The space is likely to see interesting partnerships with fintech’s to
help streamline and automate processes.

1.2 Research Problem:-

The value of gold has been on the rise for the last century uninterrupted and its
currently touching unprecedented heights. Thus, it makes sense to utilize the power
of the gold lying in lockers to avail loans instead of paying higher interest rates for
pure personal loans.
1.3 Statement of Research Problem: -
A Statement of research problem is “A Study of gold loan with reference to Dapoli urban co-op.
Bank ltd, Harnai”.

1.4 Objective of the study of Gold loans: -

i. To know the purposes for availing gold loans by the respondents.
ii. To find the reasons for choosing gold loans over various personal loans.
iii. To understand the satisfaction level of customer with bank regarding services provided
by staff.

1.5 Importance of Study: -

1.5.1 Importance to the organization: -
This study helps the organization to identify the period when the customer prefers gold loan. The
organization also identify customer awareness about gold loan and satisfaction about operational
services and procedures.

1.5.2 Importance to the researcher:-

The study helps to get about gold loan process and the documentation required gold loan as well
as the study also help to get knowledge of calculating EMI (Equated Monthly Installment) on the
loan provided.

1.6 Scope of Study-

1.6.1 Geographical Scope: -
The study was conducted in Harnai, Tal. Dapoli, District. Ratnagiri. This geographical scope of
the study is limited to Harnai, Dapoli.

1.6.2 Conceptual Scope: -

“A study of gold loan with reference to Dapoli Urban Co-Op. Bank Ltd, Harnai.”
The study of concept are included gold loan meaning, definition, characteristics,
advantages etc.

1.6.3Analytical Scope: -
Data has been studied with the help of MS Excel. Researcher1.6 has put all the data collected in
MS Excel and it is analysed with the help of Bar Chart and Pie chart. MS Excel is used for the
analysis &presentation.

1.6.4 Periodic scope-

For the study, data was collected through five years records. i e year of 2014-2015,2015-
2016,2016-2017,2017-2018,2018-2019

1.7 Research Methodology

Research methodology is the systematic, academic analysis of the methods applied to a field of
the body of methods and principles connected with a branch of knowledge. The attention of this
is on the methodology used for the collection of data for research. Data creates the subject matter
of the expert The secondary sources are collection of data from the printed and annually
available material.

1.8 Data Sources: -

1.8.1 Primary Data :-
The Data collected for the study purpose is through Questionnaires. Customers of Dapoli Urban
Bank have been selected randomly for the study purpose and then information revealed from the
customer is analyzed and interpreted the study.
1.8.2 Secondary Data : -
Secondary data highlights the related familiarities for primary data collection. It provides rich
insights into the research process. The sources of secondary data include bank record, manuals,
official records and other published sources pertaining to Dapoli Urban Co-Op. bank.

1.9 Data required

Data required for this study was provided by the bank. Data required included the 5 years
financial statement and some information related to the customer sanctioned loan amount and
interest rate was directly provided by the deputy manager.

1.10 Data analysis-

Data analysis is done with the help of data collected by the firm containing financial
statements.MS-EXCEL is used for data analysis.

1.11 Limitations of the study:

i) The study does not cover the entire population of People availing Gold Loan.
ii) As the managers are busy in their duty schedules it is not possible for us to
spend more time in interaction and discussion with them
 Chapter No. 2
Organizational Profile

2.1 Name of the bank :-

Dapoli Urban Co-op. Bank Ltd, Harnai Dapoli.

2.2 Location & Address of the Bank :–

2.2.1 Address (Head Office) :- Veer Savarkar Road, post lane, at post Tal- Dapoli,
District- Ratnagiri. Post Box No. 19, Pin Code: 415 712.

2.2.2 Address ( Branch ) :– At post Harnai, Tal. Dapoli, Dist. Ratnagiri. Pin Code:
415713.

2.3 History of the Bank :-

The Dapoli Urban Co-operative Bank, Dapoli registered on 29th feb 1960 having the register
license no. 25872. Late Shri Kaluram Malu was the founder of Dapoli Urban Co-op. Bank
Ltd,Dapoli. The Reserve Bank Of India given permission to do banking business through license
no. U.B.D.M.H.793P Dated on 22 Dec.1986. The operation area of the bank is the limited to
Maharastra State.
Dapoli Urban Bank has now become a financial lifeline of Ratnagiri district and for that matter
of entire Konkan. A small step taken 59 years ago to be economically self reliant has now been
proven as a giant leap. Whenever you think of Dapoli taluka or Ratnagiri district, every time
Dapoli Urban Bank is the part of it. The financial growth during last couple of years has marked
this organization as a successful one.
Fishery is the main profession is observed at the coast region of Ratnagiri District. There are
many Fishing Co-operative societies in Ratnagiri District and they are giving loan to fishermen
on small scale. Dapoli Urban Co-op. Bank is financing facilities to these co-operative societies.
2.4 Branch:-
No. Branch Address
1 Dapoli veer savarkarmarg,post
2 Harnai At Post Harnai, Tal. Dapoli, Dist. Ratnagiri.

3 Mandangad At Post Tal. Mandangad, Dist. Ratnagiri.

4 Kelshi At Post Kelshi, Tal. Dapoli, Dist. Ratnagiri.
5 Khed Mukadam Complex, Tin Batti Naka, Khed

6 Ratnagiri Laxmi Chowk, Gadital, Ratnagiri

7 Bharne At Post Bharne,Tal. Dapoli, Dist. Ratnagiri
8 Dabhol At Post Dabhol, Tal Dapoli, Dist. Ratnagiri

9 Burondi At Post Burondi, Tal. Dapoli, Dist. Ratnagiri.

10 Goregaon Ravidarshan Building, Opp. Vishnu Talav, Goreegaon,
Tal. Mangaon, Dist. Raigad.
11 Guhagar Ashirwad Bungalow, Dev Pat, Guhagar

2.5 General Information of Dapoli Urban Co-op. Bank ltd, Dapoli :-

Sr. Description 2014-15 2015-16 2016-17 2017-18 2018-19

No.
1 Members 37569 37655 38003 38295 39415
2 Recovered 813.54 871.14 915.45 972.43 1068.89
Capital
3 Funds 1745.05 1682.09 1752.8 1673.85 1700.80
4 Deposits 26904.2 27200.2 30826.3 29865.8 31891.31
5 Loans 16200.9 17611.3 17934.9 18839.7 22363.02
6 Investment 11577.5 10150.2 12405.9 11548.7 10074.96
7 Working 29874.3 30096.5 33809.9 32805.7 35029.57
Capital
8 Net Profit 116.5 121.03 143 101.25 139.90
9 Outstanding 2.74% 1.65% 2.10% 1.96% 2.03%
10 Dividend 10% 9% 9% 9% 9%
11 Audit Class A A A A A

2.6 Product and Services –

Dapoli Urban co-op. Bank offer wide variety of deposits product to suit your requirements.
Attached with suitability of networked or branches ,ATMs and facility of E-channels like
internet and mobile banking.

2.6.1 Saving Accounts-

A savings account is an interest-tendency credit account held at a bank or extra financial
institution that provides interest rate. The financial institutions may limit the number of
withdrawals you can make from your savings account every month. They also charge fees in
case you maintain a certain average monthly balance in the account.

2.6.2 Salary Accounts

Salary accounts is a feature rich corporate payroll accounts with benefits for both corporate and
its employees Dapoli Urban Bank salary account is a benefit rich payroll account for employers
and employees.
Dapoli Urban Bank salary accounts your employees will enjoy the convenience of-
 Having the network of ATMs at their command.
 Free 24-hour phone banking.
 Free internet banking.

2.6.3. Fixed deposits

Fixed deposits are options which help you grow your money thus creating wealth in a safer and
secure way.

2.6.4. Recurring deposits-

Recurring deposits aims to encourage savings without putting any stress on customer’s finances
by making them to put a lump sum amount in fixed deposit in one go. The recurring deposit also
attracts high rate of return that are identical to the fixed deposit rates and most importantly no
TDS is applicable in it.

2.7 Dapoli Urban Co-op Bank, Loan Provided -

2.7.1 Personal loans –
You can get these loans at almost any bank. The good news is that you can usually spend the
money however you like. You might go on vacation, buy a jet ski or get a new television.
Personal loans are often unsecured and fairly easy to get if you have average credit history. The
downside is that they are usually for small amounts, typically not going over RS.5 Lack, and the
interest rates are higher than secured loans.

2.7.2Education loans –
These are great ways to help finance a college education. The most common loans are Stafford
loans and Perkins loans. The interest rates are very reasonable, and you usually don't have to pay
the loans back while you are a full-time college student. The downside is that these loans can add
up to well over 100,000 in the course of four, six or eight years, leaving new graduates with huge
debts as they embark on their new careers.

2.7.3 Housing loan –

This is most likely the biggest loan you will ever get! If you are looking to purchase your first
home or some form of real estate, this is likely the best option. These loans are secured by the
house or property you are buying. That means if you don't make your payments in a timely
manner, the bank or lender can take your house or property back! Mortgages help people get into
homes that would otherwise take years to save for. They are often structured in 10-, 15- or 30-
year terms, and the interest you pay is tax-deductible and fairly low compared to other loans

2.7.4 Small business loans –

Your local banks usually offer these loans to people looking to start a business. They do require
a little more work than normal and often require a business plan to show the validity of what you
are doing. These are often secured loans, so you will have to pledge some personal assets as
collateral in case the business fails.

2.7.5 Car Loan-

The finance availed of to buy either a new or a used car is known as car loan. Car loan is one of
the complex loan products in India as car dealers tend to include various discounts offered by
Car manufacturers or lenders (banks and other financial institutions) in the interest rate offered to
the buyer.

2.7.6 Machinery Loan-

A machinery loan allows you to finance the purchase of machinery and equipment Essential for
smooth operations of your business. It helps in funding the lease or Purchase of new machinery,
as well as the repair of existing machinery that may have broken down.
For instance, if you have a printing business and you had to purchase printing machinery
with the latest technology and expand your business, but don't have the necessary funds to buy
the expensive machinery. You can approach the financial institution for machinery loan and can
purchase the machinery for fuelling your business requirements.
2.7.7 Gold Loan –
Gold loan is certified by accepting the gold junks of the customer as recruit. Individual loan is
authorized based on source of income and repayment capacity of an applicant. It is true that Gold
loans, like personal loans or credit card borrowings, are regularly used for short term household
requirements.

2.8 Dapoli Urban Co-op Bank, Harnai Branch Staff structure –

Sr. No. Particular Counted no. of staff
1 Branch manager 1
2 Passing officer 1
3 Clerks 3
4 Cashier 1
5 Peon 2
Total 8

Dapoli Urban Co-op. Bank Harnai Branch Organisation Structure

Branch manager :- Miss. Gitanjali Ganesh Aambekar

Passing officer :- Mr. milind Yashwant Karve

Cashier :- Atmaram Kanu Chogale

Clerks :-

I. Mr. Santosh Ramchandra Mundekar

II. Mr. Milind Govind Chavan
III. Miss. Dhanashri Sunil More

Peon :-

I. Mr. Shekhar Nandkumar Khule

II. Mr. Anant Vasant Shinde
2.9 Management :–
2.9.1 Board of Directors :–
A. Hon. Chairman – Shri. Jayant S. Jalfoakar
B. Hon. Vice Chairman – Shri. Anvar A. Gafur Rakhange

2.9.2 Present Board of Directors of the Bank –

1. Shri. Prahant K. Mehta 2. Advt. Dr. Vasant Mehendale

3. Shri. Subhash K. Malu 4. Shri. Ashok B. Wadkar
5. Shri. Madhav R. Shetye 6. Shri. Sandip R. Divekar
7. Shri. Chandrakant G. Kalaskar 8. Shri. Prabhakar P. Shinde
9. Shri. Vinod R. Awale 10. Shri. Pramod G. Katkar
11. Sou. Sangita S. Talathi 12. Sou. Rama S. Belose
13. Shri. Sandip R. Khochare 14. Shri. Prasad K. Paranjape
15. Shri. Sambhajirao M. Thorat 16. Shri. Atmaram K. Chogale
 Chapter No. 3
Conceptual Framework

3.1 Introduction of Gold Loan: -

Gold is not a metal for Indians it is Goddess Lakshmi, it is very deeply involved in our emotion
so Glitter of Gold is always on higher side. Gold is part of Hindu rituals from ancient time. It is
taken as the safest way of investment from the time when the banks were not in the existence. In
India maximum population rely on agriculture and the crop production is done either once or
twice and this is the earning for whole year so they secure excess vesting money bylining gold
and silver (generally in the form of jeweler to facilitate rituals). When they need money, they
pledge it to money lender for fulfilling the short-term need. According to World Gold Council
reports, two-thirds of the gold demand in India comes from the rural agricultural sector. So, the
concept of Gold loan in India is from old time. The concept of gold loan was previously
available in banks but not on their priority, but the success of some nonbanking financial
companies has attracted other player of this market to tape the potential.

3.2 Meaning: -
The loan that is given against gold is known as Gold Loan. This includes the gold stuffs of the
borrower excluding the diamond articles and Mangal Sutra. The borrower keeps his gold stuffs
as collateral with the lender and takes the money against those patterns. Many go for the
fulfilment of their short term goal through gold loans, such as their child’s education, marriage or
other family problems. Many think that instead of keeping it idle at home or in a locker, the gold
loan is the best option.

3.3 Definition: -
Loan against gold is a very simple concept. By pledging your gold stuffs, coins, biscuits, bars
etc. The lender provides you with liquidity at predetermined rate of interest. Loans are
sanctioned after scrutiny of basic documents and satisfactory evaluation of the gold pledged.
Gold is one of the most valuable and costly metals in India. Its value in our lives cannot be
overlooked because every person is attached to it emotionally. However, what is the point of
keeping your gold in a closed drawer when it could help you in times of emergency. Taking a
loan against your gold can help you to overcome any drastic situation.
3.4 Gold loan-
3.4.1Gold Loan Suitability Criteria and Documentations: -
The following are the documents that are required in order to apply for a loan: -
i. To apply for Gold loan, you need to submit only your KY C documents, such as identity
and address proof like Driving License / Passport / Aadhar Card / Ration Card etc.
ii. You must have bank account of Dapoli Urban Bank while taking gold loan from Dapoli
Urban bank.
iii. You should be above 18 year old.
iv. Two passport size photographs.

3.4.2 Features of Gold Loan: -

i. Loan amount ranges from minimum Rs.1,000 to maximum Rs.5,00,000.

ii. Loans repayment period is 12 months.
iii. Loan can be paid back on a monthly or quarterly basis.
iv. Negligible amount of paperwork and documentation is required.

3.4.3 Benefits of Gold Loans:-

i. No certification of income required.
ii. Few documents
iii. Low rates of interest.
iv. Easy and quick procedure.

3.4.4Charges associated with gold loan: -

i. Loan processing charge: -
While some of the service providers may abdication these charges only Rs.50 per loan and also
charge to processing fees.

ii. Valuation Charge: -

These are the charges to be paid to the valuator.

iii. Late payment penalty: -

 Most of the service providers charge late payment penalty and this too can vary from one
institution to the other.

3.4.5 Advice on Gold Loans: -

 Go for gold loan if you are self-confident of recurring the money in time otherwise, you
will be penalized, and all your initiated gold will come under the control of bank from
where you take a Gold Loan.
 While choosing for gold loan check the interest rates in various banks. If you go for
private lenders, then better to go with one who has been in this business for many years.

3.4.6 Steps To Be Followed While Appraising Gold: -

category gold items according to solid chains and others

Confirm the cleanliness with the help of touch, stone and acid test

Calculate weight

As per the gold rate calculate the amount of jewellery as follows:

Name of item Gross weight Net weight Gram rate Amount (net wt.
per gm rate)

Finally fill out the fold loan form and sign and seal all the jewellery by appraisal person.

3.4.7 Role of cashier: -

i. To make sure that cash is as per cash denomination entered in the system.
ii. To make sure that cash transaction is done in front of CCTV camera.

3.4.8 Bank provide amount of gold loan:-

The gold loan amount given by the bank ranges from Rs.1,000 to Rs.5,00,000.

3.5 Gold loan interest rate :-

a. The annual interest rate of gold loan for the year 2018-19 was13%.

b. The annual interest rate for the loan for the year 2017-18 was 13%.

c. The annual interest rate of gold loan for the year 2016-17 was13%.

d. The annual interest rate of gold loan for the year 2015-16 was12%.

3.6 Gold Loan Process :–

Customer approaches to take gold loan

If loan amount is above 5 lacs then discussion is done with the manager

Interaction with Customer care decision-making

Customer care decision-making Collecting Gold

Appraisal of gold

If loan amount is above 5 lacs then discussion is done with the manager
 Cash handling to customer

3.6.1Calculate interest amount-

Interest amount = principal amount * annual ROI / 365*number of days.

3.6.2 Calculation of EMI: -

An EMI can be calculated on a daily reducing, monthly reducing, quarterly reducing, and half
yearly or yearly reducing basis.
Computation of EMI is calculated with the help of the following formula: -
EMI = L ×r (1 + r) n/ [(1 + r) n - 1)]
Where,
L - Loan Amount
r - Rate of Interest in Decimals
n – Period of loan (in years).

3.6.3 Bank information about gold loan: -

i. The bank delivers only 85% loan on 1-gram gold.

ii. The bank breakdowns notice to the customer after 1 month, 3 month and 6 months
repay the loan taken,
iii. Bank accepts 24 carat gold for issuing the loan.

3.7 Advantages of Gold Loan: -

i. Gold loan doesn’t require certificate to show your salary or income and even no credit card
past is required. Thus, even unemployed and non-working people can go for gold loan.
ii. Unlike any other unthinking loan, gold loan doesn’t require many papers, only few documents
such as ID proof and address proof is enough to avail for such loan.
iii. Gold loan is the most simple and suitable forms of loan because here all you need to do is
recruit your gold with a bank and get up-to 85% of the market value of the gold as a loan.
iv. Smaller processing time and fees.

Chapter no. 4
 Data Analysis & Interpretation
4.1 Introduction:-
Analysis is the process of introduction that data in ordered form, combining them with the
existing information, and extacting meaning from them. Interpretations challenges to answer,
“What relationship exists between the result to the research objectives and hypothesis outlined
for the study in the beginning. Interpretation is act of drawing conclusions from the collected
data.
Once you decide your method of data collection and have gathered all of the data you need, you
need to decide how to analyze and interpret your data. Data analysis is a process of inspecting,
cleansing, transforming and modeling data with the goal of discovering useful information,
informing conclusion and supporting decision-making. Anaysis refers to breaking a whole into
its separate components for individual examination. Data analysis is a process for obtaining raw
data and coverting it into information useful for decision-making by users.

4.2 Data Analysis & Interpretation:-

Data analysis and interpratation is the process of assigning meaning to the collected information
and determining the conclusions, significance and implications of the findings. It is an important
and exciting step in the process of research studies, analysis follows data collection. Data
analysis is an electronic process, which arises simultaneously with data collection, data
interpretations and report making.

Gender wise classification of customer:-

 Sr. No. Gender Total
1 Male 56
2 Female 24
Total 80
Source – primary data

Interpretation:-

Gender

Female
30%

Male
70%

Male Female

Gender wise classification of customer

Age wise classification of customer:-

 Sr. No. Age Total
1 18-30 8
2 30-40 24
3 40-50 36
4 Above 50 12
Total 80
Source – Primary data

Interpretation:-

Age
40

35

30

25

20

15

10

0 Age
18-30 30-40 40-50 Above 50

Education wise classification of customers:-

 Sr. No. Education qaulification Total
1 Illiterate 4
2 Under-Graduate 44
3 Graduate 24
4 Post Graduate 8
Total 80
Source – Primary Data
Interpretation:-

Educational Qaulification
50
45
40
35
30
25
20
15
10
5
0
Illiterate Under-Graduate Graduate Post Graduate

Educational Qaulification

Monthly Income Group:-

 Sr. No. Monthly Income Total
1 Below 15000 38
2 15000 to 30000 28
3 30000 to 50000 10
4 Above 50000 4
Total 80
Source – Primary Data

Interpretation:-

Monthly Income
40

35

30

25

20

15

10

0
Below 15000 15000 to 30000 30000 to 50000 Above 50000

Monthly Income

In which language do you like to deal with the Bank?

 Sr. No. Language Total
1 English 1
2 Hindi 12
3 Marathi 67
4 Other 0
Total 80
Source – Primary Data

Interpretation:-

Language
80

70

60

50

40

30

20

10

0
English Hindi Marathi Other

Language

Are you aware about the Gold loan service provided by Dapoli Urban Bank?
 Sr. No. Particular Total
1 Yes 72
2 No 8
Tatal 80
Source – Primary Data

Interpretatio:-

From where did you came to know about the Gold Loan?
 Sr. No. Particular Total
1 Friends & relatives 48
2 Newspaper 10
3 T V Adevertise 24
4 Other 8
Total 80
Source – Primary Data

Interpretation:-

What are your needs for availing the Gold Loan?

 Sr. No. Particular Total
1 Education of Children 12
2 Medical Emergency 20
3 Purchase a propery 2
4 Fisheries needs 46
5 Other 10
Total
Source – Primary Data

Interpretation:-

How many times in a year do you have emergency?

 Sr. No. Particulars Tatal
1 0-2 20
2 3-4 10
3 5-6 24
4 7 & above 26
Total 80
Source – Primary Data
Interpretation:-

How much loan amount has bank sanctioned as per your proposal?
 Sr. No. Particulars Total
1 Less than 20000 36
2 20000 to 50000 22
3 50000 to 100000 16
4 100000 to 500000 6
Total 80

Source – Primary Data

Interpretation:-

Why do you prefer gold loan against variuos other loans provided by the bank
to fullfill your requirement?
 Sr. No. Particulars Total
1 Low interst rate 12
2 Less documentation 38
3 Quick process 24
4 Other 6
Total 80
Source – Primary Data
Interpretation:-

Are you satisfaction with the interest rate charged by the bank on the Gold
loan?
Sr. No. Particular Total
 1 Satisfactory 24
2 Highly satisfactory 26
3 Averagely satisfactory 18
4 Dis-Satisfactory 12
Total 80

Source – Primary Data

Interpretation:-

While applying for gold loan, which things attracted you the most?
Sr. No. Particulars Total
 1 Interest rate 12
2 Lesser documentation 30
3 Faster processing 22
4 Service provided 10
5 Other 6
Total 80
Source – Primary Data

Interpretation:-

Are you satisfied with the services provided by the bank?

 Sr. No. Particulars Total
1 Satisfactory 44
2 Highly satisfactory 10
3 Averagely satisfactory 18
4 Dis-satisfactory 8
Total 80

Source - Primary Data

Interpretation:-

Will you again apply for gold loan in future?

 Sr. No. Particulars Total
1 Yes 56
2 No 24
Total 80
Source – Primary Data

Interpretation:-

Are you satisfied with EMI policy of the Bank?

 Sr. No. Particulars Total
1 Fully satisfied 34
2 Partly satisfied 28
3 Unsatisfied 18
Total 80

Source – Primary Data

Interpretation:-

Data analysis of last 3 years of Male & Female:-

 Sr. No. Period Male Female
1 01.04.2016 - 31.03.2017 478 176
2 01.04.2017 - 31.03.2018 506 286
3 01.04.2018 - 31.03.2019 536 312
Total 1520 774
Source – Secondary Data

Interpretation:-

Last 3 years of interest rates in Dapoli Urban Bank.

 Sr. No. Period Interest Rate
1 01.04.2016 - 31.03.2017 13%
2 01.04.2017 - 31.03.2018 13%
3 01.04.2018 - 31.03.2019 13%

Source – Secondary Data

Interpretation:-

Data analysis for last 3 years of total loan account:-

Sr. no. Period Total account Loan amount
holder
1 01.04.2016 - 31.03.2017 654 2,48,92,300
2 01.04.2017 - 31.03.2018 792 3,12,26,100
3 01.04.2018 - 31.03.2019 848 3,40,37,800
Total 2534 9,01,56,200

Source – Secondary Data

Interpretation:-

Last 3 year of total loan amount recovered amount:-

Sr. No. Period Loan amount Recovered
amount
1 01.04.2016 - 2,48,92,300 2,81,28,290
31.03.2017
2 01.04.2017 - 3,12,26,100 3,49,85,406
31.03.2018
3 01.04.2018 - 3,40,37,800 3,84,62,714
31.03.2019

Source – Secondary Data

Interpretation:-

Last 3 year total interest received by the Bank :-

Sr. No. Period Interest received amount
1 01.04.2016 - 31.03.2017 32,35,990
2 01.04.2017 - 31.03.2018 37,59,306
3 01.04.2018 - 31.03.2019 44,24,914

Source :– Secondary Data

Interpretation:-

Data analysis for 3 years of total loan account holders :-

Sr. No. Period Total account holder
1 01.04.2016 - 31.03.2017 654
2 01.04.2017 - 31.03.2018 792
3 01.04.2018 - 31.03.2019 848
Total
Source: - Secondary Data
Interpretation:-

Chapter No. 5
 Findings, Suggestions & Conclusion

Introduction:-
This final chapter deals with the findings, suggestions and conclusion. In each
project the researcher gives findings, suggestions and conclusion. This is the back
bone of each project. This finding provides what the researcher had found out as
the problems and analysis in the study area, the researcher’s suggestions for the
findings, and the conclusion of the thesis.
Examination process is scientific, and objective based. Different steps must be
followed for doing any examination, but the last aim of entire enquiry process is to
get findings. In this chapter findings are presented by analysis of collected data
from different point of view. This section includes a brief re-state of the problem, a
explanation of the procedure used, and discussion of findings and conclusion of the
study.
The previous chapter dealt with the analysis and interpretation of the collected
data. The present chapter deals with the findings of the study based on the results
given in chapter four. This chapter is divided into three sections. The first section
presents the findings of the study. The second section deals with the suggestions
for further research and the third section gives the implications of the study
followed by conclusion.
This chapter is completely dedicated to summaries the entire research work and to
present the important findings obtain through this innovative research work. The
need to find new sources of revenue is essential requirement for business growth.
Developing close, co-operative relationship with customers is more important in
the recent forever of competition and demanding customers than it has ever been
before. Basis of the analysis of the practical data and interpretations made thereon,
the detailed findings are presented in the various sections of this chapter in the
order of data analysis followed earlier. This chapter contains findings based on the
different tools used followed by ideas for the implementation of Islamic banking in
the sample area and concludes with the scope for further research. In this chapter, a
summary of findings is presented and discussed with reference to the objectives of
the study.