INDEX

Chapter No. Chapter Name

TITLE COVER PAGE I
DECLARATION II
CERTIFICATE OF THE GUIDE III
ACKNOWLEDGEMENT IV
CHAPTER 1
INTRODUCTION 1-10
1 Introduction
1.1 Introduction
1.2 Management
1.3 Membership
1.4 Function Of Various Committee
1.5 Major Working Of Various Departments Of The
Bank
1.6 Accounts
1.7 Recovery
1.8 Staff Traning

CHAPTER 2 LITERTURE REVIEW 11-15

Introduction
LiteratureReview
16-17
CHAPTER 3 RESEARCH METHODOLOGIES
3.1 Objectives Of Study
3.2 Scope Of The Study
3.3 Limitations Of The Study
3.4 Data Collections.

CHAPTER COMPANY PROFILE 18-24

4
4.1 History
4.2 Working Capital

CHAPTER DATA ANALYSIS AND INTERPRETATION 25-35

5
5.1 Data Presentation Analysis Information
5.2 Annual Report of MSBL bank for 2021-22
 5.3 MSBL bank for Asset position

CHAPTER CONCLUSIONS AND RECOMMENDATIONS 36-46

6
6.1 Overall Conclusion
6.2 Summary of findings
6.3 Recommendation
 CHAPTER NO-1
1.1 Introduction

1.2 Management

1.3 Membership

1.4 Function Of Various Commitee

1.5 Major Working Of Various Departments Of The Bank

1.6 Accounts

1.7 Recovery

1.8 Staff Traning

1.9 Conclusion
1.1 Introduction

The area of operation of the bank is extended over Satara District, Despite the fact that there is
Stiff Competition From the nationalized & urban Co-op banks, which have fairly large net Work
in the district but bank has maintained its business share in the district but bank has maintained
its at level since last 101 years the bank. is rendering remarkable services. As a Central
Financing Agency in the district, the District. Central Co-op Bank are the platform on Which the
Co-operative Societies in the district use to maintain there reserve Fund, deposits and others
besides Which the SLR investments. in Form of deposits..

The MSBL banks are the backbone Of the Agriculture Finance in the Country Co-op Banks
occupies a position of Cardinal importance in the co- -operative Credit Structure

The success. OF the Co-operative Credit movement largely depends. on their Financial Strength

1.2 Management

The Management of Vested in the Board the bank is OF directors thetenure of the elected board
years. After the Completion of is of Five the said the powers peried the Board of Directors are
eligible For re-appointment •Some OF Board are delegated to Excutive Commitee Loon
Commitee and misk Manage ment Commitee. The meetings of Board OF Directors are held once
in every month, while the Commitee meetings are held once in every Week.

The decisions. made in the Commit meetings are approved and Finalized in. the Board meeting.
The Board OF Diretors Consisting of 10 members. In order to develop the Co-operative
structure; the representatives of different Classes OF Co-operative Societies are eligible to elect
and act as 9 directors of the bank. The directors From different Fields leads to Work the bank in.
a Profitable Way make Lover all progress of the district and to run the Bank in democracy
system.

1.3 Membership
The Constitution of the Bank is of a Mixed type consisting of both individuals and Co-operative
Societies as members However, advised by the Co-operative department individual membership
of the Bank has been discouraged. As on 31-3-2018 the Bank has an affiliated membership is

• Co-operative Societies 9111

Individuals 21729

• Total 10840

1.4 Function OF Various Committee

1 Executive Commitee :

The Board of Directors decide the members. of Executive Commitee among themselves. The
Chairman of the Bank the Bank is the chairmen Of the Executive Commitee. The Perids of
Executive Committee is of 4 months. There are maximum 11 members For Executive Commitee
The Executive Commitee Performs. Following main Functions

 Sanction of membership
 Saction to issue shore Certificate
 Sanction for transfer of shares.
 Sanction of agricultural loans.
 Preparation of annual report of the Bank
 Consider measures For recovery of overdue.
 Sanction OF Various bills.

2) Loan Commitee

The Board of directors decide the member Of Loan Commitee amoung themselves. The Period
OF Loon Committee is of 4 months After the Completion of the Said period the members of the
Board are re-elected for the membership OF Loon Committee.There are Maximum 11 members.
For Loan Committee

The Loan Committee Performs. Following main Functions

 Sanction of non-agriculture loons to non-agriculture socities such as industrial.

 Consider measures For recovery of overdue
 Consider for reshedwment a F loan

3) Audit Commitee

The member of the Audit Commitee are appointed For the period of one year. There are
maximum 5 members for Audit Commitee Audit Commitee takes the review OF the Progress of
audit report by various audthorities Such as Chartered. Accountants, National Bank for
Agriculture & Rural develof ment (NABARD) inspection Maharastra state Co-operative Bank's.

4) Control of the Bank

The annual balance-sheet, profit and Loss. account, auditors report sanctioned by the
shareholders of the bank. They are the owner of the Bank. The Control over the yearly activities,
of the Bank. The General Manager and Deputy General Manager and of various various
department (at present there are two Deputy General Manager of various departments.

1. Administrative Department :

Administrative department looks of the availability of mon-power of the book The HR

Department which comes under the Adminstrative department handle all the matters OF leave,
transfer and recritment OF employees.

2. Agriculture Department:

It provides Short-term, medium-term and long term Finance to the farmers with the help of
primary agriculture Societies at the village level. the total agricuture advances 31st March 2020
is OF RS 2.483.42 out of direct agriculture Former is OF 2.043.69 Gr Finance to the

3. Non-agriculture Department
It mainly provide finance to Salary Corner societies urban banks, urban thrift, + industrial and
labour Societies, Self-help groups rural artisans, Sugar Factories, marketing Societies Planning
and development department is sub department of Non-Agriculture

4. Accounts Department:

It mainly looks after the availability of Funds of the bank and its utilization in proper Way While
making utilization of the available: Funds it has to Consider two. important factors le liquidity
and pro Fitability. It has to Consider two important Factors It also Consider the Maximum
lending limit Cie) up to which the bank Can Sanction the loan)

5. Financial Position of the bank

Sr No Praticulars 2017-18 2018-19 2020-21 2021-22

Own Funds 891.19 1054.99 1166.79 1231.53
1. Deposits 6683.31 7035.55 7594.79 8044.13
2. Advances 3779.86 3982.26 4955.03 5094.83
3. Investments 3438.27 3683.14 3824.31 4293.9
4. Working 8393 8960.14 10028.1 11457.92
Capital
5. Total Income 567.23 650.89 776.33 805.9
6. Net Profit 51.25 55.25 61.55 71.62
7. C.D Ratio 64.15% 66.18 65.24% 63.34%
8. Net NPA - - - -
9. CRAR 12.80% 13.23% 12.89% 12.89%
10. Audit A A A A
Classification

1.6 Accounts
Saving Account

Current Account

1) Saving Account :
MSBL Bank has the right Saving Accounts For everyone/ choose from a array of salin accounts.
to Find one that matches your net You Can avail of basic banking services wit this account, and
experience banking With us in an easy and hassle Free manner. For people who like things
simple, we offer the cavings account, low maintenance, easy Solution For all your booking
needs.
Benefits

 He offer a variety of accounts, each tailored to your saving needs.

 SMS Alerts.
 Easy to monitor account activity passbook Rupay Debit Card With Annual Fee 4 Free
Withdrawal transations Cincludes Branch Cash and Poce / other ATM Cash Withdrawal
tran tions.

2) Current Account
MSBL Bank Business Banking of Fer's Comprehen sive banking Solutions to suit the banking
needs of every MSME. From a wide range OF Current Accunt products to banking Solutions like
interest internet Convenient Banking, mobile Banking and Tax payments.

We make your banking easy and hassle

Free. Bene Fits

 Current bank accounts are operated to run a business

 SMS Alerts.
 It needs a higher minimum balance to be maintained as compared to the savings account.
Penalty is charged if minimum balance is not maintained in the Current account..
 It charges interest on the short-term Funds borrowed from the bank.
 The main objective of current. bank account is to enable the businessmen to Conduct
their business transactions smoothly.

1.7 Recovery
Since the year 1996-97 the Prudential norms have been made applicable to the D.cc Banks on
this background the bank has effected Recovery up to 70.57%. in June 2013 the bank earned
ProFit oF Rs 51.25. Crores as on 31 March 2019.

1.8 Sta FF Traning

The bank had started to provide tronining in various Fields such as banking recovery NPA
Management, Computerization, Industrial Finance, management of available Funds & its
utilization, liquidity management, risk management & so on. it helps bank For its Future
Progress

1.9 Internet Banking

The functional requirement for the Internet Banking Module is mentioned in the “Annexure 8.11
- Functional Requirements”.
Below are enlisted the main technical capabilities and features of the solution proposed by the
Bidder.
i. Interface to core banking system for financial and non-financial transactions / updates
ii. Interface through payment gateway to card transactions
iii. Interface for online merchant transaction payment using internet banking (POS/online
processing)
iv. Support of web services / XML through http/https.
v. Support of multiple languages including English & Hindi
vi. Compatible with all major browsers (including but not limited to different versions of IE,
Chrome, Firefox, Opera and Safari)
vii. Bidder to supply, install and maintain the required hardware/Database/OS/Security solution
and other required components
viii. Support of the online data replication at the Bank's backup sites for disaster recovery
ix. Data backup and archiving
x. Separate test environment
xi. The solution should support the following security features:
a) Username and password for accessing internet banking
b) Auto blocking/locking of internet banking upon reaching maximum number of tries with
invalid/incorrect PIN. The maximum number of incorrect tries should be configurable by the
Bank.
c) Termination of internet banking session and log off after lapse of configurable time period;
Pop-up alert intimating customer that session is about to expire.
xii. The solution should support the following transaction level security

a) End-to-End encryption of data transmission (symmetric or asymmetric)

b) Minimum two factor authentication (with provision for a second factor like transaction OTP,
transaction password, RSA token, etc.)
c) System should support multiple authentication schemes based bank's preferences
xiii. The solution should support the following platform security & reliability:
a) Data stored is encrypted in the platform database
b) Audit trails and logging features available in Web Server, application server and database
server
c) Possibility to assign specific rights to platform administrators for secure and restricted access
d) Ability of the platform to support external certifying authority
e) Support of standard algorithms like AES with RSA
f) Minimum encryption strength of 128 bit for end-to-end transaction Support of the PKI scheme
by the platform.
xiv. The solution should maintain reliability of the transactions. It means that the platform should
have the intelligence to handle cases like:
a) Internet connection drops during transaction
b) Backend host system down
c) Performing transactions in offline mode
xv. The system should provide the following functionalities with respect to transaction logs and
audit:
a) Should maintain detailed transaction logs to enable processing audit trails to be reconstructed
in the event of any disputes or errors. The storage period of logs should be parameterized
b) Security safeguards should also be implemented to protect the information from unauthorized
modification or destruction
c) System should facilitate maintaining a log of the reasons for unsuccessful transactions
xvi. Application to support multiple channels for registration such as registration through bank
branch and Web portal registration.
xvii. An audit trail of all the registrations done with details of the mode of request, who
activated, date and time of registration should be stored in the database.
xviii. The platform should support creation of users through bulk file upload. The file upload
should support fixed length and delimiter separated file format.
xix. Provision for advertisement of bank products and services.
xx. Provision to generate detailed reports, logs, audit trails regarding all transactions
xxi. The internet banking solution should be scalable to meet future enhancements/upgrades.
xxii. The platform should provide the functionality for the administrator to create and modify
different end-user and administrator-user groups with different set of rights/permissions (using
administrator rights)

xxiii. The solution should abide with all the technical & security guidelines released by
RBI/other regulatory authorities time to time.
xxiv. The administrator portal should have the capability for:
a) Approving users
b) Blocking users
c) Enabling or disabling functionalities
d) Deleting users
e) Maintenance of activation requests.
All administrator activities shall be logged to track the creation, modification and/or deletion of
any data.
xxv. The administrator of the platform should have:
a) The capability to add new products and services easily as per bank’s need.
b) The capability to create various types of alerts such as bulk SMS campaign, system down
alert, customized advertising campaign management, etc.
xxvi. MIS and Reporting – As per Bank’s requirement

1.10mobile Banking
i. The proposed Mobile Banking Solution should be implemented interfacing with Bank’s Core
Banking Solution. The proposed solution should have functionality for handling retail as well as
corporate customers of Bank on Mobile Channel. The proposed solution should also support
interfacing with ATM switch, internet banking and other channels of the Bank for seamless
integration, parameterization, customization etc.
ii. The solution should include, but not limited to, the following: a) The solution should deliver
the listed services as given in the table referred as Annexure-8. 11
b) The vendor should implement the solution at DC and DR Site. UAT and T&D
environment(At least 20% of production). The vendor is required to provide required hardware
along with operating system (OS) & Database (DB).

iii. Any software and mobile handsets required / needed for making the solution live and running
to be provided by the bidder throughout the contract period

iv. The proposed solution should be compliable in terms of communication/ synchronization

with Bank’s Core Banking Solution.
v. To provide support for trouble shooting and enhancements in the Services during the contract.
vi. To implement proposed Mobile Banking solution by interfacing with Bank’s Core Banking
application and interfacing with NPCI Mobile Banking Channel for IMPS, NUUP, BHIM, BBPS
or any other service offered by NPCI using Gateway (to be provided by the bidder).
vii. The proposed solution should also support interfacing with Financial Transaction Switches
proposed by the bidder for seamless integration, parameterization, customization etc. as required.
viii. The solution should be integrated online banking channel offering a central transaction
management, business logic orchestration and application administration. Single integration with
host systems with a unified data architecture model.
ix. The solution offered should comply with all the Operative Guidelines for Mobile Banking
Transactions in India issued by RBI. The solution should also comply with any further guidelines
and mandates issued by RBI for Mobile Banking Transactions. The bidder has to undertake to
incorporate, at no cost to the Bank, suitable changes in the solution including the software,
procedure and operations as required from time to time to comply with any new rules of Indian
Law or new rules from RBI/IBA/MFI/NPCI/Bank for providing the Mobile Banking services to
The Bank.
x. The solution should be compatible with all the Mobile Platforms meeting the industry standard
but not limited to J2ME, Android, Windows, iOS etc. The bidder should ensure the compatibility
of solution provided for all the impending updates / upgrades of various Mobile Platforms
without any additional cost to Bank. Bidder should also ensure the availability of solution for any
new Mobile Platform within 1 month from the date of its launch without any additional cost to
Bank.
xi. The proposed solution should be compatible with all the Smartphones & Tablets meeting the
industry standards.
xii. The proposed solution should be able to provide various MIS reports which should be
configurable in nature.
xiii. The proposed solution should follow an enterprise model (perpetual license) at Corporate
Level and there should not be any restriction in terms of number of users or volume of
transactions in either way.
xiv. The selected bidder has to ensure the flawless switching of all the services under purview of
this RFP to Disaster Recovery (DR) site during DR drill as and when decided by Bank or in case
of non-availability of primary / DC site.
xv. The proposed solution should be well versed with functionality to support English languages.
xvi. The selected bidder has to offer technical and functional support of the service for contract
tenure post implementation of solution. During this period, selected bidder has to provide one
onsite technical resource for providing support from Bank’s identified location.
xvii. The selected bidder will be required to provide technical support to Bank during the entire
contract period.
xviii. For any new platform/model/OS/upgrade, the selected bidder will provide complete
functional and technical solution/ features/ application within thirty days of launch in India.
xix. The proposed solution should be compliant with the RBI Working group document on
“Information Security, Electronic Banking, Technology Risk Management and Cyber Frauds”
dated Jan 2011, such as for confidentiality and security and Cyber Security guideline June’ 2016.
xx. The selected bidder need to mention any other security feature supported by the system with
details and architecture of security components.
 CHAPTER NO - 2
LITERATURE REVIEW
1) Dr Jai Kishan Chandel (2012):

examined the Financial Performance of district central co-operative! Banks (DecBs) operating in
Ambala kaitha karnal The objective of Was Kurukshetra, in division of Haryana. Fo suggest
Corrective measures for effectiveness in the Per Formance OF the DCCBS. The Haryana state
Come in existence separated from punjabas 7th State of India on 1st Noveber, 1966 Tuesday and
for proper administration, it was divided in to an attempt is made to Cover Five key Financial
areas (profitability, liquidity. Solvency efficiency and risk) The Co-operative Credit institutions
being leader in rural and agricuture Financing proved their worth at Various stances and
particularly the Indian economy is recognized as rural economy World Wide.

2) M.J Mane al. (2012)

Concluded that the most important and critical problems faced by the Doc Banks in India is
recovery of loans and advances, heavy over dues and NPA Poor recovery of loans leds to
adverse effect on the functioning of Dcc Banks. To increase thine own Capital and Working
Capital some necessary steps

3) Jyoti Gupta, Suman Jain (2012);-

the lending bank in Todio. to measure and efficiency Of Co-operative Bank Of India to Suggest
the appropriate measures to improve the efficiency of the Co-operative. banks. The study based
on the data based on the data oF past three or four years only The data for Study mainly based on
a single bank. The time period of the research Wat limited The banks should adopt the modern
Method of banking like internet banking Credit Card, ATM etc The bank should improve the
customer services of the bank to a better extent.

4) Mr. Sanjivraje Nimbalkar (2014).

Study the Comparative performance of pace Bank & SHRIMANT MALOJIRAJE SAHAKARI
BANK for the period 2005-06 to 2009-10 To Calculate and analyze the Pro Fitability Parameter
To know fino acial Position CF pocs Book & spcc Banks. To know, Calculate and analyze
Financial stregth of Branches oF MSBL Bank & SDCC Bank For the Comparison of pre
perimory data and secondary data Method is used For data Collection. This research paper
Focuses on only two DCCB's ie pocc band and MSBL bank Se results come Per Formance of
out May or may applicable to all a MSBL In
addition to this most of net in Maharastra the data collected for research is based on the
secondary sources

5) Mr.Vijay Nevase (2016):-

examined the growth MSBL. to analyze the deposits Credits and C/D Ratios of RoCC:
Secondary data have been collected. from the annual report Ramanathapuram District central
cooperative book. The print study Concluded that the Financial performance of the District
central Co-operative banks in Ramanathapuram is analyzed using different Statistical techniques.

6) Bharti R. Hire math (2016):-

analyzed the Profitability of Co-operative bank in Bijapur district to evalute the ratio
Contributing to financial Performance of the bank to Suggest to improve efficiency of Co-
operative banks of Binpur district the Study based on the annual reports of the banks For a
Period OF 5 years From 2008-0g to 2012-13 the Performance OF Co-operative banks was
measured though Profitability ratio. Souaces of Data the study is based on Secondary data the
secondary data Consists OF Gnnual reports of G-operative bank.

7) Dr. D. Joel Edwinraj and H.J, Franklin Banister(2018)

studied the different sources of Furds used by the salem District central co-operative Banks for
mobilzinas the required Funds. The present study was based on analytial in nature the required
data collected dary Sources. This Study Collected Data related. to the deposits, share Capital,
reserves and total awes Of the DCC Bank. in Salern have been taken. in to the present study.
This study concluded. that proportion share Capital, reserves, depoats and loan total soures of
funds1.95% ,1.10%,82.44%

8) Mr. Arun Maruti komble (2019),

Studied To study the Financial policies of pace. Limited relating to deposit to Critically analyze
financial Policies OF MSBL Bank Limited releting to advances to exluate Financial Policies OF
Investment MSBL Bank Limited relating to term Of Concept, the key areas of study are
Financial Policies Partaining to deposits. advances and investment. Would be studied. This
Conclusion was reached based on the strong non- effective rating in areas like variety of deposit
account. Fixed deposit Themes Should be Auto rene Wal Facility should introduced be
introduced.

9) Shatakshi Pawar (2) vivek Ayre: (2020),

explained Co-operative bank in Surat regions With special reference on lending Practice by
result of 100 responses. Descriptive researchis Used in this study in order to indentify the lending
practices: to know the lending pratices OF Co-operative banks in surat region. Basically this
study is originated in surat City: It has given 100 responses by the Customers in under the one
month research.

10) Mr. KRISHAN KUMAR Dr. M.LAGDAYAMAWAR² (2018)

Comthis study aimed to measure the growth. OF Dec banks in Haryana also to make a
Comparative study of growth of Nineteen. District central co-op banks of Haryana State In this
study, secondary data has. been used Which was obtained From the annual publication of
Reserve bank Of India related to the development banking and From the annual reports of the co-
operative banks.
 CHAPTER 3
RESEARCH METHODOLAGY

3.1 objectives of study

3.2 SCOPE OF the study.

3.3 Limitations OF the study

3.4 Data Collections.

3.1 objectives of study.

1) To study the performance of MSBL Bank.

2) To know Financial position of MSBL Bank

3) To evalute Financial Policies of pace bank. Ltd relating to deposits

4) To Flod out the problems of the bank of MSBL

3.2 Scope of the Study

The above research paper Focuses. Per Formance OF MSBL Banks ID OP addition to this, most
of the data collected For research Paper helps to evalute, analyze and measure Financial 3 years
activities Many more

3.3 Limitations of the study.

This research Papar focuses on performance of only MSBL bank results. Come out May. all
MSBL bank 10 or may not, applicable to. Maharashtra In addition 4 to this, most of the data
Collected for re Search is So, the actual based on the Secondary Sources, Performance might be
different than interpretation.annual data so it may affect the result to analysis includes o there
Fore the quality. OF this research depends on quality and rehability of data publised in annual
referts.

3.4 Data Collection

Fox the Comparison of MSBL Bank, a Case study Of performance Method is used this Case
Study Primary data Secondary data Collection Method is used and For data

In Primary data: personal interview tele phonic interview method is used observation.. Survey
& Questionnaire

In secondary data:- Sources data Published in. Annual reports a books, Journals Magazies and
data available with Website OF Cop Cerp banks is used.
 Secondary Data

The researcher has collected required secondary data from followingsources Books, magazines
etc. Published & unpublished research works. Other online sources e.g. internet etc.

\
 CHAPTER 4
COMPANY PROFILE
 Organization Name :- SHRIMANT MALOJIRAJE SAHAKARI BANK PVT
Main Office :- Lonand
Registration number :-PNA\BAI\RSR\C.R.\1828\1998-20

Registration Date :- 13/11/1998.

Founder :- Mr. Sunil Raghunathrao Bhosale
Geographical area :- Satara City.
Members :- 1230
Total permanent Employees:- 15
Share capital :- RS.46,77,900/-
Reserves and other funds :- Rs. 43,68,708/-
Capital Risk to asset Ratio :- 30%
Deposits :- Rs.110,85,63,983/-
Loans Given :- Rs.5,48,81,498/-
Investment :-Rs.3,86,01,750/-
Net N.P.A. :- 70%
Government Audit Class :- ‘A’.
Net Loss :-Rs.70,85,777.26/-
Working capital :-Rs.86,77,900/-
Dividend :-Due to losses not distributed.
Loans to board of Directors :-RS.90,00,000/-
Vision:-

1) To encourage member stocultivate thrift and cooperation’s.

2) Acceptance of deposits from members.
3) To accepted posits from customers &lend loanst oneedy customers for
their needs.

4) To see the public welfare.

Board of Directors

Mr.Sanjivanraje Vijayshi Naik Nimbalkar Chiarman

Miss.Yogini Yogesh Pokale ViceChiarman

Mr. Mohanrao Nimbalkar Director

Mr.Vijay Bhikoba Niwase Director

Mr.Shubhas Vittalrao Gaikwad Director

Mr.Mohanrao Sanpatrao Khalate Director

Mr.Rchnadrakant Ranaware Director

Mr.Prabhakar Ramchndra Pawar Director

Mrs. Nevideta Umesh Nimbalkar Director

Mrs.Vidya Raje Nimbalkar Director

Mr.Popat Ganpat Shelkhe Director

 CHAPTER NO-5
DATA PRESENTATION /ANALYSIS
DATA PRESENTATION |ANALYSIS
Thee study of Financial position, Of the MSBL bank. In this study, secondary. data has been
used which was obtained from the annual Publication of pore banks to the development banking
from the annual refork OF MSBL bank. The period of the data was selected From 2017-18 to
2020-21. The gmuth Parameters used in the study were mainly Share Capital, Funds, members
loon, member deposit, profit, dividend of the Doces Data has been analysed using the
Compounded annual growth and the banks has shown saticictory Performance in other which are
Calculated and presenting thought Charts and a tables.
BALANCE SHEET OF THE FINANCIAL YEAR 2021-2022

2020-2021 Capital & Liabilities 2021-22

50000000000 Authorize Share 50000000000
d
Capital
33842120000 Rcovered share 3339800000
capital
1542120000 Rcovered share 7839800000
capital
2082845957 Reserve fund 3823800557
1382845957 Reserve fund 3323800557
950772829 Other Fund 1150772829
40438729 Subspicious and bad 70438729
debts funds
94770200 Dividend Equation 26285500
Fund
311485100 Building Funds 211485100
273433300 Building depreciation 192189600
Fund
- member Family -
1411045500 Welfare Fund 439942800
25410000 Member Family 7000000
Emergency Relie
64300000 Charity Fund 3100000
5500000 Pune James Bank 7500000
Award Fund
- Training Fund 700000
1599374140 Deposit 32312257200
3058051100 Maintain membership 1468186700
862000000 Member Family 830000000
Walfare Deposit
17365125800 keep up the 17819698600
Work,
good
18652237100 Rein vest 12194371900
51713152786 44434499486
Bank loan 2002222500
V.G.P.M accounts. 2002222500
145213600 other debts 98539800
2815200 Pay dividends 228500
68292100 Members to pay 32663300
interest on.
- Fixed Deposit -
750 Paying business tax 150000
------- To give a deposit 8676000
5000 To fund education.
copayment to internal
inspection
5000 Paying government 5000
inspection fee
- Fee -
277678.00 paying government 245569.00
inspection fee 2
6544.00 M. N.P. to Pay ---
40000.00 Paying tax audit fee 40000.00
96000.00 Giving exaggeration. 94000.00
10000.00 Providing Housing 10000.00
Society.
- Maintenance -
- Paying annual -
maintentance
- Costs (Computer) 28660.00
194400.00 Provision of Snacks for 194400.00
members.
10309100 Retirement expenses 19400.00
For
- member. -
13634184.00 Profit and Loss account 11257433.29
1634,29 Last year's balance 6,85.29
profit
13632550.00 Profit 11256748.00
1532217848.15 Total 1169486799236.91
2020-21 Properties & Assets 2021-22
115476.15 Cash and bank balances 5100.70
525476.15 MSBL B. J. road 5100.70
9783155000 Investment 9574655000
20000000.00 Bank Part 13000000.00 71978911640
25000 Ranjan Housing Society 250,00
Port Pune
30000 District Salary Credit 3000
Society part non.
29860000.00 De Preation 33240000.00
Deposit (Reserve
Fund
Investment)
4567000.00 -Bank investment -
705000.00 Suspicious and Sunken 705000.00
Funds
650,000.00 dividend equalization 265000.00
2115000.00 Building Fund 2115000.00
Investments
1738000.00 Building Zeez Fund 1735000.00
Investments
4350000.00 Member Welfare Fund 4470000.00
Investmen
150000.00 Meeting Emergency 110000.00
Fund Investm
75000.00 pune James Bank Award 75000.00
Investme
21000.00 Charity Fund 31000.00
Investment
4317059400 Member Loan. 418442598.00
392005147 General debt 387068166.00
49223900 Contingency loan 31058000
33358562 Atmannati Deposit Loan 31060307.00
Term
584999200 Deposit Mortgage Loan 35450.00
2220002.00 Property 2178120.00
1875629.00 Building 1875629.00
271623.00 deadstock accounts. 244461.00
8461.00 Computer 3384.00
64289.00 Electrification 54.646.00
532212915 476372368.00
7588000 Other Assets 23768245
000 Telephone depasits 300000
000 T.D.S arrive 188000
153221741.15 Total 476610051.15

PROFIT & LOSS ACCOUNTS OF THE FINANCIAL YEAR 2020-21

2020-21 Expenses 2021-22

4994069.00 Interest paid on the 4941123700
deposit
6658,118.00 Member Permanent
deposit
- Interest -
78206200 Member Family Walfare
deposit Interest
16666775.00 Almonati deposit 1710873500
interest.
- Interest on banks loans. 76868000
17587114.00 Reinvestment deposit 1295018500
Interest
22787250 General Expenses 98988700
11234.00 Printing and stationary 1313700
Expenses
58764.00 Simple Cost 33027.00
4734600 Minor Expenses 3907300
1075400 telephone bill expense. 1713100
23678.00 training Cost 1792700
9950.00 Vij Beel Expenses 10,220.00
70,800.00 Tax audit Fee 15000.00
483000.00 Honotarium expenses 470000.00
13540000 operator allowance 105600.00
150069.00 annual meeting 24041.00
expenses.
273000 Bank charges 2970.00
- M.N.P Tax Expenses. 1.1716.00
275000.00 Government Tapasani 240000.00
Expenses
177780.00 other Expenses. 143410.00
150000 business Tax 750.00
1415000 Computer stationery 11800.00
9660000 exgratia expense 94000.00
3776000 Annual maintenance 3186000
Costs.
500000 Internal Inspection fee 500000
Cost
2277000 Election expenses -
24181600 Depreciation 22944500
18756300 Building depreciation 18756300
costs
3018000 Deadstock depreciation 2716200
costs.
1269200 Computerdepreciation 507700
costs.
1138100 electrification Cost 964300
1363255000 Current profit 1125674800
1363255000 Current profit
1072494000 Total 116070728

2020-21 Income 2021-22

4474556300 Recover Interest on 4299803000
loan
3992234800 General Debts interest 3883003900
Contingent
6082000 Loan Interest Self 4206400
415839000 Depreciation Deposit 386824500
Loan interes
60400500 Fixed Deposit Mortgage 25768200
Loaninterest
897937700 other Income 10200000

195000600 Bank dividend deposit -

Form Fee -
Non-performing 164524600
Deposit Interest
502099500 Recovery bank 427345100
interest return
5000 Investment retail -
income
10724940 Total 1172494000
MSBL BANK OF ASSETS POSTION CRORE
31-03-2018 31-03-2019 31-03-2020 31-03-2021 31-03-2022
Paid up share 768.39 768.92 771.21 784.21 784.21
Capital
Funds 327.94 327.42 367.78 393.36 393.36
Member Loan 4304.24 4383.82 4315.12 4317.05 4317.05
Member 3970.59 4069.71 4406.44 3993.74 3993.74
Deposit
Profit 123.68 123.15 102.72 136.34 136.34
Dividend 11% 10% 13.50% 10.50% 12%
1. PAID UP SHARE CAPITAL

PAID UP SHARE
800 CAPITAL
780

760

740

720

700 PAID UP SHARE CAPITAL

680

660

640

620
2018 2019 2020 2021 2022

In thee year paid up capitap was 2018 is 728.39 In thee year paid Capital Was 2019-768. 92. The
authorized Share Capital of the organization, is Rs 10, Crores out of which at the end of st March
2021, the recovered Capital Was 6,21,200 1- The recovered share capital is the reporting period
is Rs 232.001 and this decrease is due to retirement resignation. of senior members. on at the end
of March.31, 2022 the recovered share Capital wasRs 7,83,98 000/-
2. FUNDS

FUNDS
450

400

350

300

250

200 FUNDS

150

100

50

0
2018 2019 2020 2021 2022

In thee year Funds was at the end OF 2018 the 310.94. In the year Funds. Was 2019 the 327.94.
In thee year Funds. Was at the end of 2019 the 367.78 TO the organization: At the end of 31-3-
2021 the total fund is Rs 393. 36 which. huge is a increase oF 34.88. 2351 during the reporting
year on At the end of 31-3 2022 the total Fund is RS 4.28.24 422/-
3. MEMBER LOAN

MEMBER LOAN
4450

4400

4350

4300

4250
MEMBER LOAN
4200

4150

4100

4050
2018 2019 2020 2021 2022

In thee year-General debt on At the end AS OF 31-3-2022 is Rs the loan to members is Rs

39,20,05, 1471- Was Rs 28.23 81.708 1 Loan have been distrubuted and Rs 28, 73, 18, 689/ has
been repaid on March 31-3-2021 38, 38.73.18,689/ is due 38.70, 68, 166 1- Accourding to the
report, the dept has decreased by 49.36.9811- To the members of the Committee of the
organization of 31-3-2024, Amenaging the total debt is Rs 156, 27, 183/-
In thee year member loan Was 2018 is RS 4204.24. In thee year member lead Was 2021 is Rs
4385.82. In the year member loan Was 2020 is Rs. 4315 12 In thee year member loon Was 2020
is Rs 4317. 05. accourding to the report, the year of 2021 has a loan is decreased by Rs. 4184.42

4. MEMBER DEPOSIT

MEMBERS DEPOSIT
5000
4500
4000
3500
3000
2500
MEMBERS DEPOSIT
2000
1500
1000
500
0
2018 2019 2020 2021 2022

In thee year member deposit was 2018 is 3976 59 and on At the end OF 31-3-2019 members
deposit is Rs 3993.9.4. at the end of 31-3-2020 Member deposit is Ps 3231.22 and in thee year
period of 2019 is deposit of Rs 4069. and 4486.44. on At the end of 31-3-2021, member's Sel F
Promotion deposit OF RS 1736.51.2581 31-3-2021 Report at the end of the year, the members
Self Promotion deposit's are RS 17,81,96.9861- reinvestment deposit on 31-3-2022 at the end. Rs
12.19.43 719 1 With reinvestment deposit of Rs 6.45.78652 has been reduced due to return of
nominal member deposit.
5. PROFIT

PROFIT
160

140

120

100

80
PROFIT
60

40

20

0
2018 2019 2020 2021 2022

In thee year profit Was 2018 is 108.6 and 2019 10 is a 123 15 There is Continuous increase in
Profit Per earned by both the year more than profit earn by.. pace bank for period of 2021-22.
There less than profit earn by MSBL bank. the period of 2019. is a profit For 102 72. In the
reporting year, the net ProFit of the organization was Rs 1,12,56. 748 god the previous balance
Profit Was Rs 683.29 Total net profit RS 112,57.433.29.
6. DIVIDEND

DIVIDEND
16.00%

14.00%

12.00%

10.00%

8.00%
DIVIDEND
6.00%

4.00%

2.00%

0.00%
2018 2019 2020 2021 2022

In thee year dividend was 2018. is 1250 1 thee period of dividend was 2019 is 11:1
and 2020 is. 9 10%. There is in Crease in dividend Was period of 2021 dividend is
recommended. to the is a 13.50% members at the rate of 10.50% is thee year 605 2021 'It should
be recognized. In thee year Dividend equation Fund Was 2020 is 6.47,702 and 2022 is 2682
252.855
 CHAPTER NO-6
CONCLUSION AND RECOMMENDATIONS
\

6.1 OVERALL CONCLUSION

Further the bank bad focused roose on loon of General loan, Contingency loan, funds, dividend
instead of Share Capital and deposits in order to balance the required funds. Based on the study
conducted it can be Concluded that Professionalism, technology and updates are the critical
dimensions of Service quality of pune district Central Govt. an bank and they are directly related
to overall service quality. They are even giving. For the money to the Foreign bank that everyone
feels are the beach March for meccurity banking Standards. Also, the international Sope OF E-
banking provides new growth perspectives and Internet business. In this study I Found that the
band of pune district central.bank with its Customers is very strong. because 8 Polec baoks
mainly Focuses on retaining their Customers.

This study Concluded that the Financial position of district Central cooperan tive book in pune is
analyzed using different Statistical techniques. The bank. Should focus on the annual reports of
the bank For period of 3 years from. Pune district. Central Co-operative bank sector handiling.
better human, adopting new technologies,bringing new concepts and maintalning very high
standards in Services in services. Provided to the Customers.
FINDINGS.
This study Found the study that the Share Capital Membet Deposit and dividend of the district
central Co-operative bank operating in pune state have decreased during the last year period
2021 and the net profit of Rs 685.29. the organization was Rs 1,12,56 748 and the previous
balance profit Was Total net profit Rs 1,12,57, 433. 29 in dunding the period 2021. Further it
was found that the profit and Funds the DCCB bank in Pure State have increased during the
period 2021. It Was Found that the low rate of share capital, Funds, Member lean and Member
deposit of the district Central Co-operative bank of pune during the period 2017. There is
increase in dividend. during the period of 2020 is 18.50% Were found to be significantly
different While no Significient difference Was Found in the growth rate OF Member loon,
Member deposit and net profit / loss. Of the central district Co-operative banks.
6.3 Suggetions | Recommendations.
1) Accounting details of all the accounts OF Members by the organization to the menden on
mobile SMS Loans and other per month. through banking.

2) pune district Central Co-operative banks. give the member loan. The banks. Should Plan For
expansion of

3) balance The banks Should Plan to Introduce new

4) Schems for attracting new customers and Satisfying the present ones.

5) The banks should improve the Customer Services OF the bank of to better extent.

6) Customers are satisfied. with the mode repayment of installments.

7) There is very simple produ procedure.followedby the bank.

8) The banks. Should enhance their services according the needs of the Customer.

9) keeping the bank with up-to-date technologically is an important factor. modern equipment,
new improved technology Should be replaced with the old ones.
Appendices: Re Ferences

1 DR. Jai Kishan CHandel (2012), Financial performanse OF DCCB in Halyana, International
Journal OF Marketing, ISSN No 22773622, Vol 1 No.3.

2) Jyoti Gupta, Suman Jain (2012), A Study on co-operative Banks in India with special
reference, International Journal of scientific and Research Publications, volume 2, Issus 10, ISSN
2250-3153.

3 Mr Rs Kharat (2014), performance of DCCB in. Maharasta: Journal of EMERGING TECHNO

LOGIES And Innovative Research CJETTR) ISSN No, 2349-5162, Volume-g Issue 3,

4) M. Muthukumoreson (2016), A Study on Growth. and Performance of Ramanath Puram

DCCB. Shanlax international Journal of Art, Science & Humanities, ISSN 2321-788x Volume-4
Issue 1

5) Bharti & Hire Math (2016), Determinats of Co-operative Banks Profitability in karnatak
State, Research scholar, Bharathiar, univercity Coimbatore 641046, ISSN 2249-4359 51

6) Dr. D. Joel Edwinaj and H.J. Franklin Banister (2018) Financial performance OF SALEM
District central Co-operative Bank Ltd, Reviews OF Research LGC App Roved Journal No.
48514, ISSN: 2249-894 X, volume -8, issue-3

7) Mr. Arun Maruti kamble (2019), A study on effectiveness of Financial policies. OF Pune
District central Co-operative Bank
WEB LINKS.
Annual Report of pune district central asp operative bank For 2018 21

Website

1) https:// www.MSBLbank.co.in

2) https:// www.jetty.org

3) https: // Wild, researchgate.net

4) https:// pder bank Co. in

5) www.conference World. In.