E
I V
AT
E R K
P AN
O
- B
C O SHUBHAM GARG
(2017A109BIV)
SUBMITTED BY ~
SHUBHAM ARYA
(2017A110BIV)
SUBMITTED TO~ SUMIT LEGHA
DR. V. P. MEHTA (2017A121BIV)
INTRODUCTION TO
COOPERATIVE BANK
• Cooperative banking institutions takes
DEPOSITS and LEND MONEY in most parts of
the world.
• It differs from STOCKHOLDERS BANK.
• Follows all PRUDENTIAL banking regulation.
• It provides FINANCIAL ASSISTANCES to the
people with small means to protect them
from the debt trap of the money lenders.
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DEFINATION
co-operative bank is a financial entity
which belongs to its members, who areat
the same time the owners and the
customers of their bank. Co-
operative
banks are often created by
persons
belonging to the same local or
professional community or sharing
a
common interest.
services (loans, Co-operative
deposits, banking
banks
account
generally provide their members
with a
wide range of banking and financial
FUNCTIONS OF CO-
OPERATIVE BANK
• Co-operative Banks are organised and
managed on the principal of co-operation,
self-help, and mutual help. They work on
the basis of “no profit no loss”. Profit
maximization is not their goal.
• Co-operative bank do banking business
mainly in the agriculture and rural sector.
However, UCBs, SCBs, and CCBs operate in
semi urban, urban, and metropolitan
areas also.
’S
IA
D K
IN AN
F
O EB
R E IV
T U AT
U C ER
TR OP
S O -
C
• To support the financial requirement of
people
• Co-operative banks are categorized at various
dimensions and at various levels
• Co-operative banking structure consists
of two main segment
• (a)Agricultural credit
• (b) Non Agricultural credit
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Non-Agricultural Agricultural
Sector Sector
(Urban and Semi- ( Rural Areas )
Urban Areas)
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SHORT
AND PACS CCB SCB
MEDIUM (BASE (DISTR (APEX
TERM
CREDIT ICT LEVEL
Agricultural
LEVEL) LEVEL) )
Sector
(Rural
areas) CLDB
Long
term LDB
credit
PLDB
C O - O P E R AT I V E
B A N K S IN
I N DI A FINANCE
Rural Areas Urban Areas
--Farming -- Small Scale
--Cattle Units
--Milk --Industries
--Hatchery --Home finance
--Personal --Self
finance Employment
--Personal
finance
FEATURES OF COOPERATIVE
BANK
In a co-operative bank, the needs of
the customers meet the needs of the
owners, as co-operative bank
members are both.
• Democratic member control
Co-operative banks follow the
principle of “one person, one vote.
• profit allocation
Profit is usually allocated to members
which is related to the number of
shares subscribed by each member.
• limited banking
• The State Co-operative Banks (SCBs), Central
Co- operative Banks (CCBs) and Urban Co-
operative Banks(UCBs) can normally extend
housing loans up to Rs 1lakh to an
individual. The scheduled UCBs, however,
can lend up to Rs 3 lakh for housing
purposes. The UCB scan provide advances
against shares and debentures.
PRODUCTS AND SERVICES
• DEPOSITS
i.Saving Bank Account
ii.Current Account
iii.Recurring Deposits
iv.Fixed Deposits
v.Cash Certificate Click icon to add picture
•LOANS . SERVICES
i.Loans to Salaried employees i. Clearing
ii.Home Needs Loan ii. Safe Deposit Locker
iii.Loan to Pensioners iii. ATM
iv.Education $ Housing Loan iv. Demand Draft
THANK YOU
