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IGNOU Project Synopsis SHGB

The document presents a comprehensive case study of Sarva Haryana Gramin Bank (SHGB), focusing on its financial performance and role in rural development since its establishment in 2013. It outlines the study's objectives, including evaluating SHGB's financial performance, its impact on rural development, and the influence of government schemes. The research methodology includes descriptive and analytical designs, utilizing secondary data and potential primary data collection, while acknowledging limitations such as reliance on secondary data and accessibility issues.

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15 views3 pages

IGNOU Project Synopsis SHGB

The document presents a comprehensive case study of Sarva Haryana Gramin Bank (SHGB), focusing on its financial performance and role in rural development since its establishment in 2013. It outlines the study's objectives, including evaluating SHGB's financial performance, its impact on rural development, and the influence of government schemes. The research methodology includes descriptive and analytical designs, utilizing secondary data and potential primary data collection, while acknowledging limitations such as reliance on secondary data and accessibility issues.

Uploaded by

shgbpawan
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as DOCX, PDF, TXT or read online on Scribd
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Project Synopsis

Title:
A Comprehensive Case Study of Sarva Haryana Gramin Bank: Financial Performance and
Role in Rural Development

(i) Introduction
Sarva Haryana Gramin Bank (SHGB) is a leading Regional Rural Bank (RRB) formed in 2013
through the amalgamation of two legacy banks—Haryana Gramin Bank and Gurgaon
Gramin Bank. It operates under the sponsorship of Punjab National Bank and serves as the
backbone of rural financial infrastructure in Haryana. With over 680 branches and more
than 1,100 BCs (Business Correspondents), SHGB has played a significant role in financial
inclusion, implementation of government schemes, and support to agriculture and micro-
entrepreneurs. Given the growing importance of rural banking in economic development,
this study aims to delve into SHGB's operations, performance, and strategic approach to
fulfilling its mandate.

(ii) Rationale for the Study


The rationale for choosing this topic stems from SHGB’s pivotal role in bridging the rural-
urban financial divide in Haryana. Despite the rapid digitalization and privatization in the
banking sector, RRBs like SHGB remain essential for channeling institutional credit to rural
areas. Evaluating SHGB’s performance provides insights into how well government-backed
banking models are functioning, what challenges persist, and where policy interventions
might be necessary. Moreover, the bank's recent achievements—including zero Net NPAs
and substantial growth in net profit—make it a timely and relevant case for detailed
academic study.

(iii) Objectives of the Study


The objectives of this study are:
- To study the financial performance of Sarva Haryana Gramin Bank over the past five years.
- To explore the role of SHGB in promoting rural development and financial inclusion in
Haryana.
- To analyze the factors affecting SHGB's operational efficiency and profitability.
- To investigate the influence of government schemes and digital initiatives on SHGB’s
service delivery.

(iv) Research Methodology


Research Design:
This study will adopt a descriptive and analytical research design. The descriptive aspect
will focus on understanding SHGB’s existing structure, performance, and initiatives, while
the analytical component will involve interpretation of financial and operational data.
Nature and Source of Data:
- Secondary Data: Annual reports, RBI/NABARD data, verified online sources.
- Primary Data (if required): Interviews or questionnaires.

Sample and Sampling Technique:


- Sampling Unit: Sarva Haryana Gramin Bank.
- Sampling Technique: Purposive sampling of data from FY 2019-20 to FY 2023-24.

Tools and Techniques for Data Collection:


- Documentary Analysis and structured questionnaires (if needed).

Data Handling and Analysis:


- Tools: Ratio Analysis, CAGR, Comparative Analysis, etc.

(v) Limitations of the Proposed Project


- The study is based on secondary data, which might not reflect real-time challenges.
- Limited branch-wise data may restrict in-depth regional analysis.
- Accessibility constraints to officials for interviews might limit primary data collection.
- Some financial and strategic data may be confidential or unavailable.
Certificate of Originality
This is to certify that the project titled:

"A Comprehensive Case Study of Sarva Haryana Gramin Bank: Financial Performance and
Role in Rural Development"

is an original work of the student [Your Full Name], Enrollment No. 2352822110, and is
being submitted in partial fulfillment for the award of the Master of Business
Administration (MBA) degree under the Indira Gandhi National Open University (IGNOU).

This report has not been submitted earlier either to this University or to any other
University/Institution for the fulfillment of the requirement of a course of study.

Signature of Supervisor: Signature of Student:

Name: Name: [Your Full Name]


Date: Date:
Place: Place:

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