CHAPTER-1

INTRODUCTION
1.1 ABSTRACT

Today it would be difficult to survive a few days without money ,but before the industrial
revolution most people had livestock and grew the food that they consumed .They also
generally leaved in family housing that that was passed down through the generations . As to
us grew in size most people were paid money that was used to buy essential food and
accommodation. The aim of this chapter is to provide a brief ,non technical, historical,
perceptive on the role of money and financial transactions in society.

The origin of finance can be traltd to the start of civilization. The earliest historical evidence
of finance is dated to around 3000 B.C. banking originated in the Babylonian empire, where
temples and places were used as sofle places for the storage of valuables.

Meaning :

Finance refers to monetary resources and to the study and displine of money , currency and
capital assets, As a subject of study it is related to but distinct from economics, which is the
study of productions, distribution and consumption of good and services . Based on the scope
of financial activities in financial system. The discipline can be dividend into personal,
corporate and public finance.

In these financial systems , assets are bought, sold or traded as financial instruments, such as
currencies, loans,bonds,shares,stocks,option,future
etc.

THE FINANCIAL SYSTEM

“Finance thus studies the process of channeling money from savers and investors to entities
that need it. Savers and investors have money available which could earn interest or
devedends if put to productive use. Individuals, companies and governments must obtain
money from some external source, such as loans or credit, when they eack sufficient funds to
run their operations. The lending is after indirect, through a financial intermediary such as a
bank.
 BANKING SECTOR

Banking sector plays a crucial role in the functioning and economic development of an
economy. In all economic systems, banks play a leading role in planning and implementing
financial policy. The difference lies in prioritizing goals and methods embraced for their
attainment. Going by the neo-liberal approach, earning higher profits by utilizing all resources
is an end in itself, while in the socialistic systems bank operations also aims at improving
economy in general and at satisfying social needs. Banks accepts deposits and provide loans
and derive a profit from the difference in the interest rates paid and charged to depositors and
borrowers respectively. The process undertaken by banks of taking in funds from a depositor
and then lending them out to a borrower is termed as financial intermediation. Banking sector
flourish on the financial intermediation capabilities that allow them to lend out money and
receiving money on deposit. The bank is the most significant financial intermediary in the
economy as it bridges the gap between surplus and deficit economic agents. Banks contribute
immensely towards the economic development of a nation by facilitating business activities.
Banks also facilitate the development of saving plans and hold a key position in the
determination of Government’s monetary strategies . Institutional credit refers to the funds
made available by Cooperative Societies, Commercial Banks and Regional Rural Banks. In the
field of co-operation, the Primary Agricultural Credit Societies (PACs) provide mainly short-
and medium-term loans and Land Development Banks (LDBs) provide long term loan to the
agricultural sector. Commercial Banks including Regional Rural Banks (RRBs) provide both
short- and long-term loans for agriculture and allied activities. The National Ashwini H, Prof.
Ravindranath N. Kadam 4109 Bank for Agriculture and Rural Development Bank (NABARD)
is apex institution at the national level and for agricultural credit and provides refinance
assistance to the above agencies. The Reserve Bank of India as the Central Bank of the country
gives overall direction to rural credit and financial support to the NABARD.
CHAPTER :2

THEORETICAL BACKDROP
2.1 MEANING AND DEFINATION

MEANING OF LOANS:

A credit is took into account a specific time frame.overall business bank give transient
advances . regardless , term credits i.e progress for over a year may in like manner be
permitted . the borrower may be given the entire aggrate in solitary sum or in partitions.
Credits are the most extreme part surrendered against the security of particular assets. A
progress is regularly repaid in parcels.In any case ,it like manner be repaid in solitary sum.

MEANING OF ADVANCES :

An advances is a credited office gave by the bank to its customers. It contracts from credit as
in advances may be considered more period, any way progress are consistently surrendered
for a short tine span. Advance the inspreation driving permitting peoples is to meet the
regular necessities of business . the rate of premium charged on propels shifts from bank to
bank. diversion is charged just on the entirely pulled back and note on the supported
aggregate.

DEFINATION OF LOANS AND ADVANCES :

Loans and advances are financial instruments where you borrow money from a bank are
financial institution and have to pay it back with interest . loans are usually for larger sums of
money and have longer repayment periods , while advances are typically shorter- term loans
provided by businesses to there customers. Both loans and advances involve receiving
financial assistance that must be paid back with an additional cost in the form of interest.

SL.N LOANS ADVANCES

O
1 Long tem borrowing Short term credit
2 Fixed repayment schedule Flexible repayment terms.
3 Typically higher interest rates Generally lower interest rates.
4 Collateral may be required Collateral may or may not be required .
5 Primarily used for large investments Used for working capital or immediate
expenses

2.2TYPES OF LOANS OFFERED BY KARNATAKA GRAMINA BANK (KGB)

Housing loan:
Minimum age: Individual(s) 21 years of age & maximum age limit for a Home Loan
borrower is fixed at 60 years at the time of availing the loan. However, the repayment
of the last installment shall not fall beyond 75 years subject to availability of sufficient,
regular and continuous sources of income for servicing the loan repayment.
Up to Rs.25.00 lakhs Priority Sector. NTH 25%
Starting from 8.35% and 8.03% for takeover from another bank.

Housing loan plus(HL+)

 EMT of the property already under Mortgage to bank under housing loan shall be
 continued by creating continue security mortgage with additional REMT.
 Fresh SMT to be created for loan amount if Simple Mortgage was done for existing
 Housing loan.
 Release of security is only on closure of both loans.

Vehicle Loan

 KGB bank vehicle loan starting from 8.40%.

 Hypothecation of Proposed vehicle to be purchased.
 Comprehensive insurance for the full value of the vehicle with Bank clause.
 In respect of loans to Agriculturists Suitable guarantor good for the amount shall be
 obtained.

Mortgage Loan

 Starting from 10.9% all the above rate of interest.

 Open plot shall not be considered
 Loan amount should not be used for speculation purpose.
 Property to be situated at Hobli, Taluka or Dist. HQ

Home cash:

 KGB bank home cash starting from 09%.

 Any personal purpose such as to meet the expenditure of education, marriage,
  healthcare, repairs, renovation and furnishing the house etc. other than speculative
 purposes.

Personal loan:

Rack loan fee salaried-10.75% to 21.30%. What's more, Loan handling energizes to 2.50% of
the credit sum subject to at least Rs. 2,999/ - and limit of Rs 25,000 for salaried clients.
Education loan:

 Up to Rs. 4.00 lakhs-No security & Loan jointly granted to the parent/guardian and
the student
 Above Rs. 4.00 lakh and up to Rs.7.50 lakh : Loan jointly granted to the
parent/guardian and the student & Suitable third party guarantee of an individual with
sufficient net worth in the form of immovable property. He should be earning
sufficient income. Above Rs.7.50 lakh up to Rs. 20.00 lakhs –
I. Loan shall be given jointly with parent / guardian and assignment of future income of the
student.
II. Collateral security equal to 100% of loan amount and coobligation of third party having
required net worth not less than the loan amount.:

Security for Studies Abroad

 Limit exceeds Rs.20.00 lakhs

 Loan shall be given jointly with parent / guardian and assignment of future income of
 the student.
 Marketable Collateral security equal to 150% of loan amount and coobligation of
third
 party having required net worth not less than the loan amount.

Gold loan:

Average Price per Gram (APG) of 22 carat Gold during preceding month as quoted by M/s
India Bullion & Jewelry Association Ltd., to be considered for finance as follows – HO will
communicate on every 10th of the succeeding month, the quantum of loan per gram.
However,
the loan limit should not exceed 75% of the value of gold ornaments.
OBJECITIVS OF LOANS AND ADVANCE

 Providing financial assistance to individuals and business .

 Halping manage cash flow.
 Facilitating purchase or investment .
 Supporting economic growth by funding projects.
 Generating intrest income for lenders.
 Help to fill the gap between the current financial situation situation and future goals .
 Loans are typically used for long term financing needs.
 Advances are used for short term financing needs.
 To promote economic and development activities for the benefit of back ward classes.
 To assist,subject to such income and /or economic criterea as may be prescribed by
government form time to time individuals or groups of individuals belonging to back
word classes by way of loans and advances for economically and financially viocble
schemes and projects.

2.3 MERITS AND DEMERITS OF LOANS AND ADVANCES

Merits on loans and advances

 There is loan for just about anything. If you are in need of money to
you can apply for a car loan. With all the loans available, you will be able to purchase
everything you need.

 It helps a person offer and expensive purchase. All of as wish to acquire a property.
However , we do not have the amoumt of money to make the purchase. Loans allow
us to do this. They lend us the money so that we can finally afford our desired
property

 Payment is staggered, which makes it affordable this enables the person to pay off the
loan gradually. If person has chosen a good deal, he should be able to finish paying
off the loan in the time specified.


Demerits of loans and advances

 IT is long –term debt. This means that you have to deal with it for a specified period.
Which means that you have to commit yourself to making monthly payments
specified in your agreement foe the period indicated to repay the loans.

 If you miss payments, you will face serious consequences. You can face foreclosure
or repossession of the property. In addition, you could also face penalties and legal
issues.it will also reflect in your credit reating, which can lead to a low credit scores.

 You may not be able to make early loan repayment. Few lenders give option for early
repayment. Although there are some who will allow you to do this, they will charge
you with early repayment fees
CHAPTER:3

RESEARCH METHODOLOGY
3.1 TITTLE OF THE STUDY

“ A STUDY ON LOANS AND ADVANCES IN KARNATAKA GRAMINA BANK,

GHANDINAGAR BRANCH BALLARI.”

3.2 STATEMENT OF THE PROBLEM

In modern world economic savings and investments are usually carried out by different
groups. The banking system channels the transfer of the funds from savers to borrowers.
Loans are assets of the bank that represents the majority of caring and make profit by grading
loan to their customers who fulfil the banks and countries rule and regulations. Here,the
researcher conducted the research on loan practice and procedure on karnataka Gramin bank
due to the following reasons :

 To examine the loan procedure and activity of the bank

 To investigate the profitability ofnthe bank by loan to their customers.
 To asses the applicable banks as well as countries law towards the loan provision.
 Here,also the research is needed to asses the loan practice activates of the band in
relation to the other financial institutution loan provision.

3.3 OBJECTIVES OF THE STUDY

 To understand the loans and advances in banking industry in general.

 To study the different types of loans offer in karanataka gramina bank.
 To study intrest rates avilable in Karnataka gramina bank on loans and advances.
 To undrstand the RBI guidilines regarding loans and advances.
 To study the loan sanction provided by Karnataka gramina bank.

3.4 SCOPE OF THE STUDY

The study will help the company to know the customers perception toward ladvances
provided by the bank
The scope of the study is to track out the customers perception and their awareness towards
bank
Sample design:

A samle design is a finite plan for obtaining a sample from a given population. Simple
random sampling is used for this ssstudy

Universe:
The universe chooses for the employees of karnataka gramina bank Number of the sampling
units selected from the population is called the size of the sample sample of 50 respondents
were obtained from the population

Limitations of the study

1. The study is mainly based on the data provided by the bank and quality of finding depends
on the quality of data provided by bank officials

2. Since the report of the bank are confidential in nature it might have affected quality ofthe
findings.

3. The study is done only for the limited period the required primary data through
questionnaire has been collected from the customer.

4. The study is restricted to ballari city.

3.6 Research Design

Research design is the arrangement of conditions for collections and analysis of data in a
manner thataims to combine relevance to the research purpose economy is procedure in fact.

The research design in the conceptual structure within which research is conducted. It
constitutes theblue print for the collection and analysis of data. The research design adapted
in the study was descriptive study.

3.6.1 DATA COLLECTION

Meaning of data collection

Data collection is the process of gathering and measuring information or data from various
sources to answer questions,test hypotheses, or evaluate outcomes.it involves
identifying ,collecting,and storing data to support decision -making ,research ,or analysis .

DATA COLLECTION METHODS INCLUDE:

 Surveys and questionnaires

 Interviews (structured or unstructured)
 Observations (direct or indirect )
 Experiments and trials
 Secondary data sources (existing datasets,literature reviews)

SOURCES OF THE DATA COLLECTION

 Primary data collection

 Secondary data collection
Primary data collection

The data is directly collected through discussion with organization employees of the bank
with help of questionnaires. There are to basic ways they are as follow.
 By observation.
 Survey method.

Secondary data collection

This data have been collected from both internal and sources, it is done by collecting data
from:
 Company website.
 Company magazines.
 Journals.

3.6.2 STATISTICAL TOOLS

Meaning of statistical tools:

Statistical tools are methods techniques used to analyze and interpret data to extract insights
and meaning. They help to:

1. Describandsummarizedata(e.g.,mean,median,mode,standard
CHAPTER:4

PROFILE OF THE COMPANY

4.1 INDUSTRY PROFILE

Banking:-

Bank accepting the payments from the public & lending the loans to the public, without a
complete and successful saving cash system in India it can't have a strong economy. The
supervision a record course of action of India should be sans trouble alongside it should have
the ability to meet new challenges posed by the advancement and some other outside and
internal segments. As far back as three decades India's supervision a record structure has
couple of exceptional achievements amazingly. The greatest remarkable is its expansive
compass. This one is not any more kept to simply subjects in India. Frankly, Indian keeping
cash structure has come level to the remote corners of the country. This is one of the essential
reasons of India's advancement process. The organization's general game plan for Indian
banks taking after 1969 has financed benefits with the nationalization of fourteen banks in
India

In the no so far earlier, a record holder expected to sit tight for sensibly a long time in the
bank counters for recovering a draft or for pulling his own specific money. These days, he
takes a choice. Earlier days when greatest effective bank exchanged money from one bank to
other within of two days.

The primary bank in India, however moderate, was built up in 1786. From 1786 till today, the
adventure of Indian banking system can be divided into three distinctive stages. That is
specified under:

Stage I:

In 1786, the General Bank of India was built up in India and after that Bank of Hindustan and
bank of Bengal was set up in India. East India Company set up Bank of Bengal in 1809 and
Bank of Bombay in 1840 and Madras bank in 1843 as free units and called it Presidency
Banks. These banks were participated in 1920 and Imperial Bank stayed set up. Which began
as private banks, generally Europeans investors? In1865 Allahabad Bank remained created
and most reliable time only by methods for Indians, Punjab National Bank Ltd. stayed set up
in 1894 with home office at Lahore. Some place around 1906 and 1913, Bank of India, Bank
of Baroda, Canara Bank and so forth was built up. RBI began in 1935.
Amid the important stage the change was immediate and banks likewise experienced
unpredictable disillusionment some place around 1913 and 1948. There were around 1100
banks all things considered slight. To streamline the working and exercises of business banks,
the Government of India thought of The Banking Act, 1949. Spare Bank of India stayed
relegated with expansive administrations for the rule of sparing cash in India as the Central
Banking power.
Amid those day's open has lesser trust in banks. As a repercussions store plan was direct. One
beside the other of it store holds bank office gave by the Postal office was for the most part
more secure. Also, bolsters were, everything considered and given to merchants.
Stage II:

Government ventured in this Indian Banking Division Change after opportunity. In 1955 it
national Imperial Bank of India through expansive sparing cash workplaces on a tremendous
scale especially in nation and semi-urban reaches. It formed State Bank of India go about as
the central administrators of RBI and to deal with sparing cash trades of the Union and State
Governments wherever all through the country. Seven banks molding helper of State Bank of
India remained nationalized in 1960 on nineteenth July, 1969, methodology of nationalization
was finished. It was the effort of than Prime Minister of India Mrs. Indira Gandhi. Fourteen
business banks in country were nationalized.

Second time nationalization of Indian Banking Division was changed in 1980 with 7 more
banks. This walk brought about 80% of the sparing cash segment in India under the
Government
Ownership

The going with the steps involved by means of Indian government to Regulate Banking
Institutions within Country. In 1949 managing an account direction act authorized, and 1961:
Insurance spread contacted stores and nationalized of fourteen banks in 1969, finally in 1980
nationalized of 7 noteworthy saves money with stores in excess of 200 crores.

Stage III:

This stage has shown different more things and work environments in the dealing with a
record zone in its movements measure. In 1991in the chairmanship of M Narasimham a main
leading body of trustees stayed settled by his name which worked for the progression of
dealing with records. The nation is flooded with remote banks and their ATM stations. Tries
are being put to give a charming association to clients. Telephone sparing money and net
sparing money is shown. The entire structure ended up being more favorable and snappy.
Time is set additional centrality than money
The cash related action of India demonstrated a huge amount of value. It is shielded from any
emergency incited by any outside macroeconomics stun as other East Asian Countries drove
forward. This is because of an adaptable change scale association, the remote stores are high,
the capital record isn't yet absolutely convertible, and banks and their clients have constrained
outside trade.

Types of Banks in India:-

Different sorts of banks which work in our nation to meet the monetary necessities of various
classes of individuals occupied with agribusiness, business, calling, and so forth. On the
premise of capacities, the managing an account foundations in India might be isolated into
the accompanying sorts.
1. Central Bank
2. Commercial Banks
3. Cooperative Banks
4. Development Banks &
5. Specialized Banks
4.2 COMPANY PROFILE

Regional Rural Banks (RRBs) in India were Government of India, under provisions of
RRBsAct 1976, enacted by the Indian parliament

With a view to develop the rural economy by catering the basic banking needs for the
purpose of development of Agriculture , trade, commerce, Industry and other productive
activities in the rural areas, credit and other facilities, particularly to the small entrepreneurs
and for matters connected therewith and individuals there to have now become an Integral
part of the Indian banking system like other public sector banks RRBs areestablished by
Govt of India and are scheduled &notified by Reserve Bank of India

RRBs are jointly owned by Government of India (GOI) sponsor bank and the concern state
Governmentand with share proportion 50%, 35% & 15% respectively

Govt of India with a view to improve the operational viability and efficiency of RRBs
initiated the process of structural consolidation by amalgamating RRBs the amalgamated
RRBs were expected to provide better customer service with improved infrastructure
expanding area of operation with combined network . Improved technology with innovative
IT improvement of combined workforce, strategic marketing efforts, ect.

Karnataka Gramina Bank with Head Office at Bellary

Under the sponsorship of canara bank came to existence on 01.04.2019 as per the gazette
notification of Government of India No 852 dated 22.02.2019 with amalgamation of 2RRBs
ie. Pragathi Krishan Gramin Bank (sponsored by canara Bank with Head office at
Ballari )&Kaveri Grameena Bank (sponsored by state Bank of India with Head office at
Mysore)
SIGNIFICANCE OF LOG0

 Leaves represent agriculture and signifies prosperity.

 Diverging leaves signify our expanding base and growing support to agriculture and
clean environment.
 The circle formed signifies the wholeness and inclusive growth.
 Blue color represents trust, loyalty, integrity and responsibility.
 Yellow color represents optimism, success, confidence, youthfulness and fresh energ

4.3 REGIONAL PROFILE

Ballari district , located in the state of karnataka , India, is know for its rich history,diverse
culture and economic signifiance particularly in the mining and steel industries.

GEOGRAPHY

 Location: Ballary is located in the eastern part of karnataka.

 Area: The district covers an area of approximately 8447 squre kilometers.
 Climate:Ballary has a summer and mild winters.

DEMOGRAPHICS

 Population:According to the 2011 census, the population of ballari district is around 2.53
millon.
 Density: The population density is approximately 299/300 persons per square kilometer .
 Language : Kannada is the official language . Telugu and urdu are also widely spoken .
ECONOMY

 Agriculture : Major crops include cotton , jowar , groundneet and paddy.

 Industries : presence of several steel plants and ancillary industries.

INFRASTRUCTURE

TRANSPORT

Road : well - connected by national and state highways .

Rail : major railway junctions .
Air : the nearest airport is hubli , 200 km way
Board of Directors

Name of the Director Designation Address

Sri G R Dilli Babu Chairman, Karnataka Gramin Head Office, Ballari
Bank

Sri. Rama Naik K General Manager G A Wing

Canara Bank, Head Office,
Annexe 29,
K R Road, Dwarkanath
Bhavan,
3rd floor Basavana Vudi
Bengaluru - 560004
Sri. Barun Singh Thakur General Manager Recovery, Legal and Fraud
Prevention Wing,
Bengaluru- 560 006
NABARD,
Karnataka Regional Office,
NABARD Towers, PB
Smt. Richa Bajpai Deputy General Manager No.9944,
K.G. Road,
Bhavan, Bengaluru - 560
009.
Shri Santosh Trivedi Assistant General Manager Issue Department,
Reserve Bank of India,
Nrupathunga Road,
Bengaluru - 560 001

Sri. Mohammed Ikramulla Deputy Secretary - 3 Finance Department,

Shariff, IAS Government of Karnataka,
Room No 250, Second Floor,
Vidhanasoudha,
Bengaluru - 560 001.
Sri. Rahul Sharanappa Chief Executive Officer Zilla Panchayath,
Sankanur, IAS Ballari.
 CHAPTER-5

DATA ANALYSIS AND INTERPRETATION

1.What is the Gender of the responded?
a) Male
b) Female
Respondents Percentage
Male 35 44.9%
Female 43 55%
Total 78 100 %

respondents

male
45% female
55%

INTERPREATION

From the above table it clearly indicate the ratio of male and female
respondents for the survey.The survey constituted a very large percentage
of female than the male.
2. What is the age of respondent ?
a) 18-25
b) 26-30
c) 31-40
d) 41-60
Age respondent Percentage
18-25 62 80.8%
26-30 04 5.1%
31-40 06 7.7%
41-60 05 6.4%
Total 78 100%

respondent

6%
8% 18-25
5% 26-30
31-40
41-60

81%

INTERPREATIONS
The above table indicates that the different age groups the respondents in
the survey.The majority of the respondent belong to age group 18-25.
3. What is the profession of respondent?
a) Government employees
b) Self employees
c) Students
d) Others
profession respondents Percentage
Government employees 0 0
Self employees 04 5.1%
students 53 67.9%
others 21 26.9%
Total 78 100%

respondents
5%
27%

governament employees
self employees
students
68% others

INTERPREATION
The above table indicates that the different age groups of the respondents
in the survey. The majority of the respondents belong to surveyed belonged
to the students are 67.9%,and government employees are 0%,self employees
are 5.1%,others are 26.9%.
4. what is your monthly income?
a) 10000-20000
b) 20000-35000
c) 35000-50000
d) Above 50000
Monthly income respondent Percentage
10000-20000 49 62.8%
20000-35000 14 17.9%
35000-50000 08 10.3%
Above 50000 07 9%
Total 78 100%

respondent

9%
10000-20000
10%
20000-35000
35000-50000
above 50000
18%
63%

Interpretation
The above table indicates that the different age group of the
respondents in the survey.the majority of the respondents belong
to 10000-20000 is 62.8%,20000-35000 is 17.9%,35000-50000 is
10.3%,above 50000 is 9%.
5. on which bank do you depend for your regular transaction?
a) Karnataka gramina bank
b) SBI
c) HDFC
d) Others
Names of Banks respondents Percentage
Karnataka gramina bank 39 50%
SBI 20 25.6%
HDFC 05 6.4%
Others 14 17.9%
Total 78 100%

RESPONDENTS

18%
karnataka gramina bank
SBI
6% HDFC
50% OTHERS

26%

Interpretation
The above table indicates that the different age groups of the
respondents are aware of karnataka gramina bank 50%,SBI
25.6%,HDFC 6.4%,OTHER 17.9%.
6. Which loan product of karnataka gramina bank you have plan to use?
a) Home lone
b) Education loan
c) Gold loan
d) Others
Loans Respondents Percentage
Home loan 11 14.1%
Education loan 32 41%
Gold loan 05 6.4%
others 30 38.5%
Total 78 100%

RESPONDENTS

14%
HOME LOAN
EDUCATION LOAN
38% GOLD LOAN
OTHERS

41%
6%

INTERPRETATION

The above of the table indicates that the different age group of the respondents
are aware of karnataka gramina bank home loan 14.1%, education loan 41%,
gold loan 6.4%, others 3.85%.
7. what is the purpose of borrowing loan in karnataka gramina bank?
a) Education loan
b) Personal loan
c) Agriculture loan
d) Others
Types ofloans respondents percentage
Education loan 28 35.9%
Personal loan 15 19.2%
Agriculture loan 10 12.8%
others 25 32.1%
Total 78 100%

RESPONDENTS

EDUCATION LOAN
32% PERSONAL LOAN
36%
AGRICULTURAL LOAN
OTHERS

13%
19%

INTERPRETATION

The above table indicates that the different age groups of the respondents are
aware of karnataka gramina bank Education loan 35.9%, personal loan 19.2%,
agricultural loan 12.8%, others 32.1%.
8. For how many years do you want to avail loan?
a) Less then 1 year
b) 1 to 3 years
c) 3 to 5 years
d) More then 5 years

No of years avail loan respondents percentage

Less then one year 18 23.1%
1 to 3 years 44 56.4%
3 to 5 years 11 14.1%
More then 5 years 05 6.4%
Total 78 100%

respondents

6%
14% 23% less than 1 year
1 to 3 years
3 to 5 years
more than 5 years

56%

INTERPRETATION

The above table indicates that the different age groups of the respondents are
aware of karnataka gramina bank. Less than 1 year 23.1%,1 to 3 years 56.4%, 3
to 5 years 14.1%, more than 5 years 6.4%.
9. How do you prefer to pay your installments?
a) Weekly
b) Monthly
c) Quarterly
d) Annually
Time period Respondents Percentage
weekly 02 2.6%
monthly 56 71.8%
quarterly 05 6.4%
annually 15 19.2%
Total 78 100%

respondents

3%
19% weekly
monthly
quarterly
6%
annualy

72%

INTERPRETATION

The above table indicates that the different age groups of the respondents are
aware of karnataka gramin bank. Weekely 2.6%, monthly 71.8%, qurterly 6.4%,
annualy 19.2%.
10. Are you assessed to income tax?
a) Yes
b) No

Respondents percentage
Yes 33 42.3%
NO 45 57.7%
Total 78 100%

respondents

yes
no
42%

58%

INTERPRETATION

The above table indicates that the different age groups of the respondents are aware of
karnataka gramin bank. Yes 42.3% , no 57.7%.
11. Are you satisfied with loan offered by karnataka gramina bank?
a) Highly satisfied
b) Satisfied
c) Partly satisfied
d) Not satisfied
respondents percentage
Highly satisfied 24 30.8%
satisfied 43 55%.1
Partly satisfied 07 9%
Not satisfied 04 5.1%
Total 78 100%

respondents

5%
9% highly satisfied
31% satisfied
partly satisfied
not satisfied

55%

TNTERPRETATION

The above table indicates that the different age groups of the respondentes are aware of
karnataka gramin bank. Highly satisfied 30.8%, satisfied 55.1%, partly satisfied 9%, not
satisified 5.1%.
12. from where did you here about the karnataka gramina bank providing various types of
loans ?
a) Social media
b) Friends
c) Relatives
d) Others
respondents Percentage
Social media 10 12.8%
friends 32 41%
relatives 18 23.1%
others 18 23.1%
Total 78 100%

repondnets

13%
23% social media
friends
relatives
others

23% 41%

INTERPRETATION

The above table indicates about major respondents given by friends ,who is known about
karanataka gramina bank. i.e., 41%
13. which features do you like most in loan segments of karnataka gramina bank ?
a) Less paperwork
b) Simple and fast process
c) Longer repayment
d) Attractive interest rates
respondents percentage
Less paperwork 22 28.2%
Simple & fast 32 41%
process
Longer repayment 10 12.8%
Attractive interest rates 14 17.9%
Total 78 100%

respondents

18%
less paper work
28%
simple and fast process
longer repayments
13% attractive interest rates

41%

INTERPRETTION

The above table indicates most of the people like simple and fast process and less paper
work .It is easier for people to repay the whole loan amount with its interest with low interest
rates and with longer repayment period.
14. what do you feel about the services providing by karnataka gramina bank on advance
products?
a) Excellent
b) Good
c) Satisfactory
d) Poor
respondents Percentage
Excellent 28 35.9%
Good 40 51.3%
Satisfactory 08 10.3%
Poor 2 2.5%
Total 78 100%

respondents

3%
10%
excellenta
36% good
satisfactory
poor

51%

INTERPRETATION

From this it is clear that the service provide by the karnataka gramina bank in its advance
product is good in between the customer. All of them satisfy with the product provide by
karnataka gramina bank 51% of people said that the service provide by karnataka gramina
bank good and 36% said it is excellent of people said that is satisfactory and some 3 % with
a bad experience chose bad.
15. Are you aware of products and services provided by karnataka gramina bank?
a) Yes
b) No
respondents percentage
Yes 63 80.8%
No 15 19.2%
Total 78 100%

respondents

19% yes
no

81%

INTERPRETATION :

In this simple size this showns that the people are aware of new loan product and around
81%. and the people are not much aware of new product of loan 19%.
 CHAPTER 6

FINDINGS , SUGGESTIONS &

CONCLUSION
 FINDINGS

 Karnataka gramina bank having good brand image in the minds of

customers.

 Karnataka gramina bank is providing good service to their customers.

 Some of the customer of karnataka gramina bank already benefited through

home loan , gold loan , product and services.

 It has been observed that approximately 82% correspondents are using

advance product of karnataka gramina bank and 18% are not using any type
of advance product of karnataka gramina bank in ballari.

 Many of this customers satsitisfied with the low interest rate and longer
repayment period of the advance product .

 Most of the customer at ballari prefer to take loan from karnataka gramina
bank.

 Approximately 40% of advance product users said that the service of

karnataka gramina bank in advance product is excellent .

 A response from customer care is so clear and good .

SUGESSTIONS

 Karnataka gramina bank should strive to bring innovative

measures to retain its first position.

 Karnataka gramina bank should provide attractive interest rates to

encourage people to take advances.

 Puchaser recognition software is required in order to draw more

individuals to a stronger product.

 If there are any hidden costs,these must be disclosed to the

consumers befor the loan is granted.

 Karnataka gramina bank must take of efforts to ensure that

consumers receive their loans on schedule.for example,phone
verification by customer service to determine whether a customer
received their loan on time or not.it must be befor a specific date in
order for the appropriate measures to be done.

 Karnataka gramina bank should priorities physical verification

over phone verification to minimize fraud or cheating.

 Advance product selling agents shall not provide any incorrect

information about advance products.
CONCLUSION

According to the findingsof the research,customers have a favourable attitude

toward karnataka gramina bank expansion products. Karnataka gramina bank is
in its first function, serving a large number of customers and providing
appropriate services to them. The bank has large customer base,thus the
financial institution must focus on this to keep those customers.

Karnataka gramina bank is India's largest advance product issuer in a gift

situation. Karnataka gramina banks fulfillment in such a short period of time is
extraordinary,something that no ordinary financial institutional can expect,but
its far being carried out by karnataka gramina bank.it arises as a result of
employee commitment to the firm,the fastest expanding Indian economy.
……