A STUDY ON SATISFICATION OF FARMERS RELATED TO

KISAN CREDIT CARD OF KDCC BANK

REPORT SUBMITTED FOR THE PARTIAL FULFILLMENT OF THE
REQUIRMENTS FOR THE DEGREE OF MASTERS OF BUSINESS
ADMINISTRATIVE

SUBMITEED TO

DEPARTMENT OF COMMERCEAND MANAGEMENT

KSKV KACHCHH UNIVERSIT

SUBMITTED BY

NIKITA NITIN AAIYA

(2021- 22)

DEPARTMENT OF COMMERCE AND MANAGEMENT

KSKV KACHCHH UNIVERSITY

GUIDED BY

Dr KANISH SHAH

ASSISTSNT PROFFERSOR

KSKV KACHCHH UNIVERSITY BHUJ- KACHCHH.

1
 DECLARTION

I HEREBY,DECLARE THAT THE PROJECT TITLED “A STUDY ON SATISIFICATION

OF FARMERS RELATED TO KISAN CREDIT CARD OF KUTCH DISTRICT CENTRAL
COOPERATIVE BANK” .

SUBMITTED IN PARTIAL FULFILMENT FOR THE AWARD OF THE DEGREE OF

MASTERS OF BUSINESS ADMINISTRATIVE IS MY ORIGINAL WORK AND NO
DEGREE OR DIPLOMA HAS BEEN CONFERRED ON ME BEFORE EITHER BY
THIS UNIVERSITY OR BY ANY OTHER UNIVERSITY FOR THIS WORK.

NIKITA AAIYA
DEPARTMENT OF COOMERCE AND MANAGEMENT
KSKV KACHCHH UNIVERSITY,
BHUJ – KACHCHH

2
3
 ACKNOWEDGEMENT

THE HIGHEST HAPPINESS THAT ACCOMPANIES THE SUCCESSFUL

COMPLETION OF ANY TASK WOULD BE INCOMPLETE WITHOUT THE
EXPRESSION OF GRATITUDE TO ALL THOSE PEOPLE WHO HAVE HELPED ME
THROUGHOUT THIS PROJECT, AS SUCCESS IS THE ABSTRACT OF HARD WORK.
I WOULD LIKE TO EXPRESS MY HEARTFELT GRATITUDE TO MR.V.G. JADEJA FOR
PERMITTING ME TO DO THE PROJECT IN KACHCHH DISTRICT CENTRAL CO-
OPERATIVE BANK BHUJ, AND FOR HIS INSPIRING GUIDANCE, SUPPORT,
VALUABLE INPUTS, AND CONSTRUCTIVE CRITICISM TO DEVELOP AND
COMPLETE THIS PROJECT.

I EXPRESS MY HEARTFELT THANKS TO MR. MEET PARMAR SIR FOR THEIR

PRECIOUS GUIDANCE AND CONSTANT SUPPORT.

I PERCEIVE THIS OPPORTUNITY AS A BIG MILESTONE IN MY CAREER

DEVELOPMENT. I WILL STRIVE TO USE GAINED SKILLS AND KNOWLEDGE IN
THE BEST POSSIBLE WAY, AND I WILL CONTINUE TO WORK ON THEIR
IMPROVEMENT, IN ORDER TO ATTAIN DESIRED CAREER OBJECTIVES. HOPE TO
CONTINUE COOPERATION WITH ALL OF YOU IN THE FUTURE.

4
 PREFACE

AS A PART OF MASTER OF BUSINESS ADMINISTRATION CURRICULUM AND

IN ORDER TO GAIN PARTICULAR KNOWLEDGE IN THE FIELD OF
MANAGEMENT, I AM REQUIRED TO MAKE REPORT ON MY MANAGEMENT
RELATED TOPIC.
THE BASIC OBJECTIVE BEHIND DOING THIS PROJECT IS TO GAIN THE
KNOWLEDGE ABOUT THE MANAGEMENT AND THEIR IMPLEMENTATION
THROUGH VARIOUS STRATEGIES OF MARKETING. MY PROJECT REPORT ON
A STUDY ON SATISIFICATION OF FARMERS RELATED TO KISAN CREDIT
CARD .

5
 INDEX
SR NO PARTICULAR PAGE NO
1 TITLE PAGE 1
2 DECLARTION 2
CHAPTER NO CHAPTER NAME PAGE NO
CHAPTER 1 INTRODUCTION
1.1 COMPANY PROFILE 8 TO 19
1.2 HISTORY OF BANKING SYSTEM
1.3 BANKING IN INDIA
1.4 NATIONALISATION IN 1969 TO 1980
1.5 TYPES OF BANKS
1.6 ABOUT KDDC BANK
1.7 SERVICES
1.8 HIERACHY OF BANK
1.9 PROJECT INTORUCTION
CHAPTER 2 RESEARCH AND METHODOLOGY 20 TO 25
AND LITERATURE REVIEW
2.1 RESEARCH INTRODUCTION
2.2 REVIEW OF LITERATURE
2.3 RESEARCH PROBLEM
2.4 RESEARCH OBJECTIVE
2.5 RESEARCH DESIGN
CHAPTER 3 DATA ANYLASIS 26 TO 39
AND INTERPREATION
CHAPTER 4 FINDINGS AND SUGGESTION 40 TO 42
BIBILOGRAPHY

6
CHAPTER 1 INTRODUCTION

7
 THE KUTCH DISRTICT CENTRAL COOPERATIVEBANK

1 Company Profile
Bank Name: The Kachchh District Central Co-operative Bank Ltd.
Address: Vijaynagar char Rasta ,
Hospital road,
Bhuj – Kachchh
Tel: 02832223626/02832257626

8
1.2: History of banking System : The history of banking began when
empires needed a way to pay for foreign goods and services, with something
that could be exchanged more easily. Coins of varying sizes and metals served
in the place of fragile, impermanent paper bills.
These coins, however, needed to be kept in a safe place. Ancient homes did
not have the benefit of a steel safe, therefore, most wealthy people held
accounts at their temples. Numerous people, like priests or temple workers
whom one hoped were both devout and honest, always occupied the temples,
adding a sense of security. Historical records from Greece, Rome, Egypt, and
Ancient Babylon had suggested that temples loaned money out, in addition to
keeping it safe. The fact that most temples were also the financial centres of
their cities is the major reason that they were ransacked during wars. Coins
could be hoarded more easily than other commodities, such as 300-pound
pigs, so there emerged a class of wealthy merchants that took to lending these
coins, with interest, to people in need. Temples generally handled large loans,
as well as loans to various sovereigns, and these new money lenders took up
the rest
The First actual bank The Romans, great builders, and administrators in
their own right took banking out of the temples and formalized it within
distinct buildings. During this time, moneylenders still profited, as loan sharks
do today, but most legitimate commerce—and almost all governmental
spending—involved the use of an institutional bank.
1.3: Banking in India:
Banking in India originated in the last decade of the 18th century. Among the
first banks were the Bank of Hindustan, which was established in 1770 and
liquidated
1829–32; and the General Bank of India, established in 1786 but failed in
1791
The largest and the oldest bank which is still in existence is the State Bank of
India (S.B.I). It originated and started working as the Bank of Calcutta in mid-
June 1806.
In 1809, it was renamed as the Bank of Bengal. This was one of the three
banks

9
founded by a presidency government, the other two were the Bank of Bombay
in 1840 and the Bank of Madras in 1843. The three banks were merged in
1921 to form the Imperial Bank of India, which upon India's independence,
became the State Bank of India in 1955.
For many years the presidency banks had acted as quasi-central banks, as did
their successors, until the Reserve Bank of India[was established in 1935,
under the Reserve Bank of India Act, 1934.
In 1960, the State Banks of India was given control of eight state-associated
banks under the State Bank of India (Subsidiary Banks) Act, 1959. These are
now called its associate banks. In 1969 the Indian government nationalized 14
major private banks; one of the big banks was Bank of India. In 1980, 6 more
private banks were nationalized. These nationalized banks are the majority of
lenders in the Indian economy. They dominate the banking sector because of
their large size and widespread networks.
The Indian banking sector is broadly classified into scheduled and non
scheduled banks. The scheduled banks are those included under the 2nd
Schedule of the Reserve Bank of India Act, 1934. The scheduled banks are
further classified into: nationalized banks; State Bank of India and its
associates; Regional Rural Banks ; foreign banks; and other Indian private
sector banks.] The SBI has merged its Associate banks into itself to create the
largest Bank in India on 01 April 2017. With this merger SBI has a global
ranking of 236 on Fortune 500 index. The term commercial banks refers to
both scheduled and non-scheduled commercial banks regulated under the
Banking Regulation Act, 1949

1.4: Nationalization in 1969 to 1980

The Government of India issued the Banking Companies Ordinance, 1969 and
nationalized the 14 largest commercial banks with effect from the midnight of
19 July 1969. These banks contained 85 percent of bank deposits in the
country. Within two weeks of the issue of the ordinance, the Parliament passed
the Banking Companies Bill, and it received presidential approval on 9 August
1969.
The following banks were nationalized in 1969:

Allahabad Bank (now Indian Bank)

10
Bank of Baroda
Bank of India
Bank of Maharashtra
Central Bank of India
Canara Bank
Dena Bank (now Bank of Baroda)
Indian Bank
Indian Overseas Bank
Punjab National Bank
Syndicate Bank (now Canara Bank)
UCO Bank
Union Bank of India
United Bank of India( now Punjab National Bank)

A second round of nationalizations of six more commercial banks followed in

1980. The stated reason for the nationalization was to give the government
more control of credit delivery. With the second round of nationalizations, the
Government of India controlled around 91% of the banking business of India.

The following banks were nationalized in 1980:

Punjab and Sind Bank

Vijaya Bank (Now Bank of Baroda)
Oriental Bank of India (now Punjab National Bank)
Corporation Bank ( now Union Bank of India)
Andhra Bank (now Union Bank of India)

working in Kutch district since for so many years . This bank is specially for
farmers, larger number of customers of this bank is from rural area of Kutch
district and they are mostly farmers. Middle class and lower class is the only
main area of the bank. KDCC bank gives them loans and credit facilities and
taking deposits from them .
District bank is one the most important factor for district finance. Only this
bank decides the rates of the various vegetables, fruits, grains etc. no other
bank has the right to decide this.

11
That is why KDCC bank is known as farmer’s bank.
This is the best bank among the Kutch area. This bank is working under the
GUJARAT STATE CO-OPERATIVE BANK LTD.
Every city has packs which are working under the KDCC bank. These Packs
also has their own board of director and chairman. They can give the money
on the behalf of the KDCC bank. They are also responsible for their.

12
Vision of Bank:
Our Main Vision is to become first in customer satisfaction. KDCC is
committed to work towards building a strong and viable co-operative
banking and credit system across the Country, to strive for level playing
field for the institutions, to be an effective voice of the sector, to work
towards eliminating visible weaknesses and infirmities, to provide the
training and other support and to knit the institutions into a cohesive unit
for them to benefit from strength of being in cooperative system.

The adoption of all modern technologies for Better, Fast and Squired
service will be priority of the bank in future. The environment of all the
branches will match an international standard with easy operation for our
valuable customer.

Mission of Bank:

We will consistently exceed customer expectation by providing value-

adding solutions through professional and highly motivated people,
delivering excellent financial performance in all markets where we operate.

To be the top most cooperative bank in the country providing able

leadership to the cooperative structure for achieving a sustained growth and
upliftment of the small and marginal farmers and rural masses
implementing the objectives of financial inclusion.
SWOT Analysis of Bank:
Strength: The Bank focuses on the development of their members. The
bank offers loans at reasonable interest rates to their members. Trust is the
key factor for the effective functioning of the co-operative bank.
Weakness: The bank lacks in implementation of the latest technology such
as ATMs, IMPS, net banking. The members lack right training and
education that is necessary for the customer satisfaction.
Opportunity: The bank has large untapped area for expansion as in India
major part of the population lives in villages. There is also a better
understanding and cooperativeness among rural customer and members.
Government also supports this bank to expand their business throug
Threats: Increasing focus of commercial banks towards untapped rural
sector. The bank also failed to bring latest technological changes. Unlike
commercial banks co-operative banks operates only in India. Increasing
inflation and liquidity fluctuation results in rise in interest rates, that is not
desirable for the effective working of banks and it affects the profit of the
bank.

14
1.5: Types of banks in India:

15
1.5.2: Types of co-operative banks:

16
7: Services:

The following are the services which are

provided by the bank to the customers.

17
1.8: Hierarchy of bank:

18
INTRODUCTION ABOUT KISAN CREDIT CARD

WHAT IS KISAN CREDIT ?

Kisan credit card (KCC ) scheme aims at providing adequate and timely
support from the banking system to the farmers for their short term credit
needs for cultivation of crops. This mainly helps farmers to purchase inputs
required for the cropping season. The credit card scheme proposed to
introduce flexibility to the system and improve cost efficiency.
The scheme of kisan credit card was launched jointly by the government
of india. RBI (reserve bank of India) and NABARD (NATIONAL BANK
FOR AGRICULTURAL AND RURAL DEVELOPEMNET) in 1989 -99
to help famers to access timely and adequate credit. The KCC allows
farmers to have cash and credit facilities without going through the credit
screening processes repeatedly.

OBJECTIVES OF KISAN CREDIT CARD

The following main objective of KCC scheme.
To provide insurance coverage and financial support to the farmers in the
event of failure of crops as a result of natural calamities, pests and diseases
.
To help the stabilization of farm incomes particularly during disaster year.
BENEFITS OF KCC SCHEME AVAILAIBLE
KCC SIMPLIFIES DISTBURSEMENT PROCEDURES .
IT REMOVES RIGIDITY THE SUPPLY OF CASH CREDIT .
THERE IS NO NEED TO APPLY FOR A LOAN FOR EVERY CROP
UNDER KCC
THERE IS ASSURED

19
 CHAPTER 2
LITERATUREREVIEW
&
RESEARCH METHODOLOGY

20
 LITERATURE REVIEW
Author Of The Analysis Technique Findings
SR Project/Report
NO /Article

1 sumaiya (2015) regression analysis The Role Of kisan Credit Card

Scheme In The Rural India. The
and logit analysis
Primary Motive Of The Study Was
To Analyse The Role Of Kisan
Credit Card Scheme And Provide
Suggestions Thereof

2 maurya (2015) primary sample survey It Was Recommended That Instead

Of Giving Cheaper Credit, Banks
Should Also Try To Inculcate
Saving Habit And Monitoring
Arrangements And Controls Should
Be Tightened.

3 patil (2014) - It Was Suggested That The

Cooperative Banks Should Be
Taken Care Of By Reducing
Political Interference In Order To
Motivate Cooperative Sector

4 laxyapathi (2013) the respondents were It Was Suggested That Introduction

randomly selected and Of Biometric Cards, Weather Based
information was obtained by Crop Insurance Schemes,
way of questionnaire Simplification Of Procedure To
Obtain Loan,

21
 Conclusion
1 Sumaiya (2015) evaluated the role of kisan credit card system in the distribution of
agricultural credit in the country. It was found that among the selected variables, rural
branches of commercial banks, aggregate deposits, agriculture production, borrowing
of commercial banks from Reserve Bank of India and the introduction of KCC scheme
were significant to determine financial inclusion. Further, it was observed that the
regression analysis and logit analysis proved that KCC improved the financial inclusion
in the agriculture sector.

2 maurya (2015) studied the role of co-operative banks in agriculture in district

Mohali (Punjab) with the purpose to assess the impact of agriculture credit provided by
co-operative banks in the study area. Further, it also studied the attitude of borrowers
and lending agents towards farmers and assessed the impact of credit on assets, level of
income, employment, savings etc. The study was based on primary sample survey
conducted on 120 beneficiary farmers.
3 PATIL (2014 ) evaluated the function of commercial banks in financial inclusion
through kcc scheme to kisan credit holders and benefited many farmers through this
scheme commercial bank not only give credit card but benefited many poor farmers
from these scheme.
4 laxyapath (2013) evaluated the kisan credit card scheme all over india in order to
analyse it gave idea to many farmers about this scheme and observed that many of
farmers adopted this scheme and further give rise and helped to increase their
production

22
RESERCH METHODOLOGY
What is research methodology?
research methodology is the path through which researches need to conduct
their research .it shows the path through which the researcher formulates
his problems and objective and present his result from the data obtained
during the outcome at the end will be obtained in line with meeting the
objective of the study.
NEED OF THE STUDY
to study satisfaction level of farmers related to kisan credit card.
OBJECTIVE OF THE STUDY
research objectives are very critical part as it defines the entire research and
the purpose of research. “a research objective is a clear, concise,
declarative statement, which provides direction to investigate the variables
under the study.”
Researchers objective for a study on study on satisfaction of farmers related
to kisan credit card of kdcc bank ltd.
To study about the awareness of the Kisan credit card holders and their
attitude towards Kisan credit card.
ii. To review the extend of utilization of Kisan credit card in kutch district
iii. To examine the practical problems faced by the Kisan credit card
holders.
Iv. To offer effective suggestion in order to increase the efficiency of kisan
credit cards scheme.

STATEMENT OF PROBLEM
the institutional finance must be adequate enough to provide loans to the
farmers, particularly to small farmers at cheaper rates. The expansion of
credit alone does not bring about an adequate increase in agricultural
production. Kcc holders are not aware of the modalities, usefulness/
benefits of kcc scheme, but they were not aware of its positive aspects, like,
revolving cash credit facility (rccf) involving any number of drawls and
repayments.

23
SCOPE OF THE STUDY
the present study aims at analysing the farmers kisan credit card scheme is
order to exhibit the farmers awareness about the scheme factors influenced
them towards this scheme , ways and means of utilizing loan provided
under this scheme and opinions regarding the service charges, validity
period and maximum ceiling limit. This study is also mainly concerned
with the farmers‘ problems and suggestions in order to improve the
effectiveness of this scheme. The researcher to create the awareness about
the kcc.

RESEARCH METHDOLOGY FOR DATA COLLECTION

the primary data necessary for the purpose were collected from the farmers
having kisan credit card in Coimbatore district with the help of interview
schedule was constructed to elicit information from farmers regarding
kisan credit card. The first hand information was collected by the
researcher by having discussion with the bank officials by visiting bank
branches as well as their head office. The interview schedule used for the
study has been prepared by the researcher with the help and guidance of
her supervision. The secondary data necessary for the study have been
collected through pamphlets, broachers, annual reports and of the
published papers of kdcc bank.

SAMPLE DESIGN:
The researcher has adopted convenience sampling for the sample group.
However the researcher was must careful to ensure that the sample group
represents the whole area of the study. The researches left with no change
to go in for any other sampling technique rather than sampling technique.
Because of the reason that the banks were reluctant to give the names and
address of the Kisan credit card holders in order to maintain secrecy field
work and collection of data. The researcher used interview schedule for the
collection of data from farmers by giving questionnaire

24
SAMPLE SIZE
The sample size for the study is 30 respondents, who are regular customer
in kdcc bank.
LIMITATIONS OF THE STUDY
When the researcher approached the banker for getting farmer address to
colopt a stratified random sampling techniques the banker refused to give
any information relating to the card holders on the ground that such matters
were to be kept by him as strictly confidential. Therefore the researcher
relived on convinces sampling technique for collecting data from farmers.

25
Chapter 3 DATA ANYLASIS
AND
INTERPREATION

26
1 what is your gender?

GENDER

44.80%
55.20%

FEMALE MALE

from the above research we can conclude that the graphical representation of different
age group shows that out of 50 respondents 44.80% are male and 55.20% are female.

2 what is your occupation?

occupation percentage of respondents

farmers 0
businessman 6.90%
salaried employee 4.95
student 86.20%
other 0

% RESPONDENTS
0 0 6.90%

86.20%

4.95

FARMERS BUSINESSMAN SALARIED EMPLYOEE STUDENT OTHER

from the above research we can conclude that that the graphical representation of
occupation shows that 86.20% are students and rest 6.90% are businessman and only
4.95% are salaried employees.

27
3 where do they belong to?

area respondents
rural 20.70%
urban 75.90%
other 2.50%

WHERE DO THEY BELONG TO

2.50%

20.70%

75.90%

RURAL URBAN OTHER

from the above research we can conclude that most of people belong to urban 75.90%
where other 20.70% belong to rural and rest belong to other.

28
4 do you know what kisan credit card is?

WHAT IS KISAN CREDIT CARD

13.30%, 13%
36.70%, 37% YES
NO
MAYBE
50%, 50%

from the above data we can say that majority of people know what is kisan credit card
only few peoples don’t know what is it. this concludes that people are not aware about
kisan credit card . .

5 who are the users of kisan credit card?

users % of respondents
bank 4.51%
farmers 27.60%
customer 4.51%
don’t know 4.50%

USERS OF KISAN CREDIT CARD

27.60%

4.51% 4.51% 4.50%

BANK FARMERS CUSTOMER DON’T KNOW

% OF RESPONDENTS Column2 Column3

from the above data we can conclude that 27.60% are using kisan credit card are
farmers and remaining are bank 4.51% and customer 4.51% and rest are others .

29
6 who issues kisan credit card?

banks % of response
commercial bank 286%
cooperative bank 25%
reserve bank of India 46.40%

46.40%

25%

286%

commerical bank cooperative bank reserve bank of india

from the above research we can conclude that the graphical representation of who issues
kisan credit card which shows that 25%people response to cooperative bank and
46.40% to reserve bank of India and rest 286% response to commercial bank.

30
7 what is kisan credit card used for?

used for % of response

for purchase of agriculture inputs 16.70%
for benefit to get subsidy
or both 83.30%

16.70%

83.30%

FOR PURCHASE OF AGRICULUTURE INPUTS FOR BENEFIT TO GET SUBSIDY OR BOTH

from above information we conclude from graphical representation that more

respondents say that it is used for both purpose while others only few 16.70% say used
for only agricultural inputs only.

31
8 validity period of kisan credit card?
validity of kisan credit card % of respondents
1 year 26.70%
5 year 66.70%
6 month 6.70%

VALIDITY FOR KISAN CREDIT CARD

6.70%

26.70%

66.70%

1 YEAR 5 YEAR 6 MONTH

from the above data we can conclude that majority peoples say it is used for 5 years
only 26.7% say for 1 year and less than 1 year only for 6 month 6.75%

32
9 rate of interest of kisan credit card?
rate of interest % of response
3 to 4 % 56.70%
5 to 6% 23.40%
more than 6% 20%

20%

23.40% 56.70%

3 TO 4 % 5 TO 6% MORE THAN 6%

from above data we can conclude that more respondents response to 3 to 4% which say
that most people are aware about the interest rate because only this card provides low
interest rate.

33
10 users of kisan credit card?
users of card % of response
yes 10%
no 90%

USING OF KISAN CREDIT CARD

10%

90%

YES NO

from the above graphical interpretation it shows that people have lack of awareness
about the card.

34
11 if using kisan credit card then satisfied with it or not?

satisfied or not % of response

yes 10%
no 20%
maybe 46.70%
not at all 23.30%

% OF RESPONSE

10%

23.30%
20%

46.70%

YES NO MAYBE NOT AT ALL

from the above observation we can conclude that it shows that most of the people are
not using the card so they not satisfied with card.

35
12 which bank issues kisan credit card?
which bank issues card % of response
commercial banks 23.30%
cooperative banks 40%
reserve bank of india 36.70%

WHICH BANKS ISSUE KISAN CREDIT CARD

23.30%
36.70%

40%

COMMERICAL BANKS COOPERATIVE BANKS RESERVE BANK OF INDIA

from the above responses most respondents say it is issued by cooperative bank .but
some respondents response that 36.7% say issued by reserve bank of india. this shows
that people have lack of awareness about card.

36
13 do you know kdcc bank and its schemes?

KDCC BANK AND ITS SCHEMES

10.30%
17.20%

72.40%

YES NO MAYBE

from the above graphical representation say that more respondents are not aware about
the schemes of kdcc bank only 10.3% of respondents are aware of scheme and bank.

37
14 which schemes provided for kisan credit card?
awareness about schemes % of response
yes 13.30%
no 46.70%
maybe 10%
no idea 30%

SCHEMES FOR KISAN CREDIT CARD

13.30%
30%

10% 46.70%

YES NO MAYBE NO IDEA

from the above we can conclude that most of people are not aware of kcc scheme only
13.3% are aware about kdcc bank and its schemes.

38
15 do you know about kdcc bank?

awareness about bank percentage

yes 26.70%
no 63.30%
maybe 10%

PERECENTAGE

10%

26.70%

63.30%

YES NO MAYBE

from the above conclusion most of respondents have no idea about kdcc bank and its
schemes provided for farmer’s.

39
CHAPTER 4 :FIDINGS
AND
SUGGESTIONS

40
FINDINGS
1 find out about problems faced by kisan credit card holders.
2 people have lack of awareness about kisan credit card.
3 they also don’t know about kdcc bank.
4 the Kutch district central cooperative bank is only one bank which provides lower
interest rate on kisan credit card.
5 kdcc bank main objective is to serve welfare for farmers only.
6 most of service takers of this bank are farmers.

SUGGESTIONS
kdcc bank must have to do marketing about bank and its schemes because people have
lack of knowledge.
should create awareness campaign in near by villages for farmers to give them
knowledge about kdcc bank and its core important product kisan credit card .

4.2 CONCLUSION
After having all the required information for preparing my report, I have tried to
analysis each and every function of kdcc bank. During my report all the members of
the kachcch district central cooperative bank ltd, had well cooperated with me. I have
also found that there is a very good level of commitment in all the staff members.
During my report preparation, I have tried to cover each functional area of the bank. I
can conclude that this is one of the leading bank in banking sector, and with advance
technologies and educated staff to trying to positioning in the banking market. But due
to some weakness of cooperative sector is suffering in some limitations.
So at last I can conclude that kdcc bank is doing their best and getting great goodwill
in the market.

4.3 LIMITATION:
• The duration of the study is limited. So it may not be able to cover the entire scope.

• The sample size is restricted to 50 respondents only.

• The survey is subjected to the bias and prejudices of the respondents. Hence 100%
accuracy can’t be assured.

• The study could not be generalized due to the fact that researcher has used Google
questionnaire.

41
5. BIBLIOGRAPHY

https://en.wikipedia.org/wiki/Districtco-operative central bank

https://thekachchhdcc.co.in/

http://www.nabard.org/citizen.asp

42